Handbook

IMPORTANT INSTRUCTIONS USEFULL FOR THE OFFICERS NOTE 1.
This handbook should, in no way, be treated as a substitute for the issued by the Bank from time to time. 2. In case of any doubt/ambiguity, please refer to the formal and regular instructions issued by the Bank from time to time. The same alone will be material and binding in case of any doubt/dispute/proceedings etc whatsoever. 3. Latest instructions have been provided under each segment. However, old instructions have also been incorporated for ready reference. 4. Updataion is an ongoing process. Efforts shall be made to update the latest instructions as and when required. instructions
CONTENTS Chapter-1: State Bank of Patiala (Officer) service Regulations, 1979. Short Title and Commencement Officers to whom the Order shall apply Definitions Chapter- 2: Grades & Scales of Pay. Grades and Increments Fitment Increments Stagnation Increments Professional Qualification Pay Fixed Personal Pay Provident Fund Pension Grant of Extension in Service Categorisation Chapter- 3: Allowances Payable to Officers. Dearness Allowance House Rent Allowance City Compensatory Allowance Special Area Allowance Project Area Allowance Mid-Academic Year Transfer Allowance Deputation Allowance Officiating Allowance Closing Allowance Split Duty Allowance Halting Allowance to Custodian of a Vault or Locker on Holiday Hill & Fuel Allowance Discomfort Allowance Compensation for working on Sundays/Public Holidays Out of Pocket Expenses to Liaison/Assistant Liaison Officers Late sitting by D.B.A.s etc. Chapter- 4: Perquisites Admissible to Officers. Medical Aid Residential Accommodation Provision of Furniture/Fixtures at Residence Supply of Cleansing/Disinfecting Materials Entertainment Expenses and Membership of Clubs Preferential Interest Rates on Deposits Chapter- 5: Leave Rules Leave admissible to Officers Casual Leave Privilege Leave Sick Leave Study Leave Maternity Leave Extra-Ordinary Leave on Loss of Pay Special Leave & Special Casual Leave General Instructions/Other Instructions Chapter- 6: Reimbursement of Expenses on Travel. Mode of Travel Halting Allowance Admissible/Reimbursement of Actual Hotel Expenses Joining Time & Travelling Expenses etc. admissible on Transfer Leave Travel Concession admissible to Officers Drafting of Bank employees for Election duty
Chapter- 7: Reimbursement of Conveyance Expenses. Reimbursement of petrol expenses on receipt basis for officers maintaining vehicles. Reimbursement of petrol expenses to officers who maintain vehicles and claim the expenses on certificate basis. Reimbursement of conveyance expenses incurred on hired conveyance for officers who do not own vehicles. When the Officers are provided with a Motor Cycle by the Bank No Reimbursement on consolidated basis to Internal Auditors Limits applicable when an officer officiates in higher grade Reimbursement on Consolidated basis not to be a source of profit Expenses on Mobile oil Conveyance Allowance to orthopaedically handicapped employees Chapter- 8: Incentives to Officers. Hindi Examinations Reimbursement of Tuition Fee & Payment of Honorarium Diplomas/Short Courses in Computer Appreciation & Programming Reimbursement & Honorarium for Diploma in subjects of interest to the Bank Reimbursement & Honorarium for Diploma Exams of Indian Institute of Bankers Incentive Scheme for ORACLE Certified Professional Examination Miscellaneous Incentives-Provision of Newspapers -Provision of Brief Cases -Reward Scheme for those who die/get injured while on duty resisting dacoits/robbers Payment of Ex-Gratia lump sum amt. in lieu of appointment on compassionate grounds Payment of Funeral Expenses to dependants of late employees Contesting of Elections to Parliament/Legislative Assembly/Local Bodies by employees Drafting of Bank employees for Election Duty Grant of Special Leave for taking Expeditions Incentives/Facilities to Officers taking up Overseas Studies Incentives/Facilities to employees undertaking training under Civilian Rifle Trg. Scheme Incentives/Facilities to employees joining Combatant or Non Combatant Forces etc. Incentives/Facilities for joining officially sponsored Auxiliary Police Organisations etc. Facilities to employees enrolling as members of St. Johan Ambulance Brigade Permission to Join Civil Defence Organisation etc. Provision for payment of Silver Jubilee Award on completion of 25 years of service Memento at the time of Retirement Provision for reimbursement of cost of Greeting Cards Provision of Telephone at Residence/Mobile Telephone Miscellaneous Chapter- 9: Employees Provident Fund & Gratuity Regulations. State Bank of Patiala Employees Provident Fund Regulations 1969 State Bank of Patiala (Payment of Gratuity To Employees) Regulations 1970 Payment of Provident Fund & Gratuity to Employees Annexures/Forms
Chapter- 10: Facilities to Ex-Servicemen Employees. Facilities to Reservist Ex-Servicemen Employees called for Training Facilities to Ex-Servicemen Employees appearing before the Medical Re-Survey Board/ Artificial Limb Centres Chapter- 11: Facilities for Employees taking part in Sports & Cultural Activities. Sportsmen Employees Participation of Employees in Cultural Activities Chapter- 12: Facilities Available to Inspecting Officers. Chapter- 13: Employees on Foreign Assignments/Deputation Abroad. Chapter- 14: Facilities available to Retiring/Retired Officers. Retiring Officers-Residential Accommodation & Telephone -Transfer of Furniture on concessional rates Retired Officers-Interest rate on Fixed Deposits -Interest rate on Savings Accounts -Interest rate on Advances -Service Charges -Safe Custody Articles -Holiday Homes -Funeral expenses to heirs of retired employees -Employment after retirement Payment of Superannuation Benefits to Officers Proceeded against under Regulation 19(2) of SBOP (Officers) Service Regulations- 1979 Maintenance cost of Leased Accommodation taken by Bank from Retired Staff Encashment/Lapse of Privilege Leave Travelling, Baggage & Other Expenses on Retirement SBOP Retired Employees Medical Benefit Scheme Chapter- 15: Welfare Activities. Scholarship Scheme and Reimbursement of Admission/Tuition Fee Scheme for award of Silver Jubilee Awards Holiday Homes Subsidised Canteen Facility Financial Assistance for Major Ailments Financial Assistance to Staff members having handicapped children Self Hospitalisation Medical Bills- Payment of difference amount Annual Health Check Up Assistance Annual Health Check Up for Spouses of employees/officers SBI Life Insurance for Employees Annexures/Forms Chapter- 16: Important Staff Loan Schemes. Housing Loans Conveyance Loans Consumer Loan Festival Loan Gold Loan Personal Loan
Chapter- 17: Delegation of Powers. Placing of Appreciation/Commendation Letters etc. in Service Files Reimbursement of Travelling Expenses for using own vehicles for Official Duty Payment of Halting Allowance on Deputation Principle approval for purchase of Brief Case Grant of Mid Academic Year Transfer Allowance Sanction of Personal Loans (OD Limit) Write off of Mattresses & Curtains Accumulation of Leave beyond 240 days Medical Bills Membership of Clubs Extension of LFC Block Sanction of HRA on Capital Cost Purchase of Brief Case at DGM headed branches Administration of Officers Service Regulations 1979 Bringing Political/Outside influence.
CHAPTER 1 STATE BANK OF PATIALA (OFFICERS) SERVICE REGULATIONS, 1979 In exercise of the powers conferred by Section 63 of the State Bank of India (Subsidiary Banks) Act, 1959, the Gentral Board of Directors of State Bank of India in consultation with the Board of Directors of State Bank of Patiala and with the previous approval of the Reserve Bank of India hereby makes the following Regulations, namely:1. SHORT TITLE AND COMMENCEMENT (i) These regulations may be called State Bank of Patiala (Officers) Service Regulations, 1979. (ii) These regulations shall come into force on the 1st day of October 1979. 2. OFFICERS TO WHOM THE ORDER SHALL APPLY (i) These regulations shall apply to all officers of the Bank and to such other employees of the Bank to whom they may be made applicable by the Competent Authority to the extent and subject to such conditions as such Authority may decide. (ii) These shall also apply to officers transferred/posted/deputed outside India except to such extent as may be specifically or generally prescribed by the Competent Authority. (iii) They shall, however, not apply to employees appointed/engaged in any country outside India and permanently serving there. 3. DEFINITIONS
In these regulations, unless there is anything repugnant to the subject or context:(a) appointed date means the 1st of October 1979; (b) Bank means the State Bank of Patiala; (c) Calendar Year means the period commencing from the 1st day of January of a year and ending with the 31st day of December of the same year; (d) Board menas the Board of Directors of the Bank; (e) Competent Authority means the authority designated by the Board or the Executive Committee and till such authority is designated authority for the purpose immediately prior to the appointed date; (f) Emoluments means the aggregate of salary and allowances, if any; (g) Executive Committee means the Executive Committee of the Board; (h) Family means and includes spouse of the officer (if the spouse is not an employee of the Bank) and the children, parents, brothers and sisters of the officer wholly dependent on the officer but shall not include the legally separated spouse. (i) Managing Director means the Managing Director of the Bank. (j) Officer means a person fitted into or appointed to or promoted to any of the grades specified in Regulation 4 and any other person, who immediately prior to the appointed date, was an officer of the Bank, and shall also include any specialists or technical persons so fitted or promoted or appointed and any other employee to whom any of the provisions of these regulations has been made applicable under Regulations 2. (k) Pay means basic pay including stagnation i ncrements. (l) Probationary Officer means an officer appointed as such and fitted in the Junior Management Grade. (m) Salary means the aggregate of the pay and dearness allowance. (n) Trainee Officer means a person appointed as such from the staff of the Bank and fitted in the Junior Management Grade. (o) Year means a continuous period of twelve months. (p) Disciplinary Authority, Appellate Authority and Reviewing Authority mean respective authorities specified as such by the Executive Committee from time to time. (q) Public Servant means a person defined as such in Section 21 of the Indian Penal Code as amended from time to time. (r) Perquisite means the various facilities that have been specified in Chapter 6. **********
CHAPTER- 2 GRADES & SCALES OF PAY Grade JMGS MMGS MMGS SMGS SMGS TEGS TEGS Scale Designation I Asstt. Manager II III IV V VI VII Deputy Manager Manager Chief Manager Asstt. General Manager Dy. General Manager General Manager Scales of Pay
14500-600/7-18700-700/2-20100-800/7-25700 (Auto switchover to MMGS-II scale) 19400-700/1-20100-800/10-28100 (Auto switchover to MMGS-III scale) 25700-800/5-29700-900/2-31500 30600-900/4-34200-1000/2-36200 36200-1000/2-38200-1100/2-40400 42000-1200/4-46800 46800-1300/4 -52000 (Cir.No.Per\10 dt.11.6. 2010)
Fixed Personal Allowance and Professional Qualification Allowance : Fixed personal pay Professional qualification allowance Rs. 410/-p.m. for passing JAIIB (CAIIB Part I) JMGS-I Rs.800/- +58+ HRA*
after one year on reaching top of scale
MMGS
Rs 900/-+ 65+ HRA*
Rs.1030/-p.m. for CAIIB (both parts) after 2 years on reaching top of scale * Fixed HRA on the date of sanction of FPA
SMGS-IV SMGS-V TEGS-VI TEGS-VII
Rs 1000/-+ 72+ HRA* Rs.1100\-+ 79+HRA* Rs.1200\-+ 86+HRA* Rs.1300\- +94+HRA*
**Payment of FPA to be revised in promoted grade on completion of one year Per\01 dt.10.4.08
Stagnation Increments
a. Officers in JM Grade Scale I who have moved to scale of pay for MMG Scale II in terms of Regulation 5(b) after reaching maximum of the higher scale shall be eligible for four stagnation increments for every three completed years of service of which first two shall be Rs.800/- each and next two Rs.900/- each. Provided that officers who have completed three years or more after receipt of the second stagnation increment as on 1.11.2007 will get the third stagnation increment on 1.11.2007 and another stagnation increment on or after 1.11.2008 on their completion of six years after receipt of second stagnation increment. b. Officers in MMG Scale II who have moved to scale of pay for MMG Scale III in terms of Regulation 5(b) after reaching maximum of higher scale shall be eligible for three stagnation increments of Rs.900/- each for every three completed years of service. Provided that officers who have completed three years or more after receipt of the first stagnation increment as on 1.11.2007 will get the next stagnation increment with effect from 1.11.2007 and a subsequent stagnation increment on or after 1.11.2008 on their completion of six years after receipt of the first stagnation increment. Provided further those officers in substantive MMG Scale III i.e. those who are recruited in or promoted to MMG Scale III shall be eligible for four stagnation increments of Rs.900/- each for every three completed years of service. Those who have already received two stagnation increments and completed more than three years of service after receipt of second stagnation increment as on 1.11.2007 will get the third stagnation increment on 1.11.2007 and the fourth stagnation increment, on or after 1.11.2008 on their completion of six years after receipt of second stagnation increment
i. One advance increment on account of computerization to all officers who were in service as on 1.11.93 except those promotee officers who have already received benefit of such an increment by way of fitment/adjustment in officers scale of pay. Officers who are granted an advance increment as above shall draw the fixed personal pay one year after reaching the maximum (Cir.No.Per/8 dated 4.5.2001)
ii. The officers who are at the maximum of scale of pay or in receipt of stagnation increment(s) as on 1.11.93, shall draw the fixed personal pay as from that date i.e. 1.11.93, which shall be equivalent to an amount of last increment drawn plus D.A. payable thereon. (Cir.No.Per/14 iii) The employees who were in receipt of F.P.P. after promotion continue to draw the same amount the entire period of service. (Cir.No.Per/14 dated 14.05.1996) prior to promotion may even which shall remain frozen for dated 14.05.1996)
Dearness Allowance : 0.15% for every rise or fall of 4 points over 2836 points in the quarterly average of the All India average Working class CPI Base 1960+ 100 (w.e.f.1.11.2007) Provident Fund : 10% of Pay Pension : 50% of Pay i.e. Basic Pay + stagnation increment+PQA+increment component of of FPA will be basic Pension and D.A. The Board of Directors of State Bank of Patiala, with the approval of Reserve Bank of India, has made State Bank of Patiala (Employees) Pension Regulations 1995 to provide for the establishment and maintenance of Pension Fund for the benefit of the employees. In respect of an officer, who is a member of the Pension Fund, who retires or dies while in service or otherwise ceases to be in employment on or after the 1st of May 2005, Pay for the purpose of pension shall be the pay last drawn by the officer employee prior to his retirement/death. (Cir.No.Per/15 dated 29.06.2005)
Note:- Pay for the purpose of Provident Fund and Pension shall mean Basic Pay including Stagnation Increment, Professional Qualification Pay, Increment component of Fixed Personal Pay and Officiating Allowance.
(Cir.No.Per/15 dated 29.06.2005) Project Area Allowance (W.E.F. 1.11.2007)

Group A Centres Group B Centres Rs.290/-p.m. Rs.255/- p.m.
Other Allowances and Loans linked to Basic Pay continued to be paid in terms of the pre revised Basic Pay till the existing rates / multiplying factors are revised. Mid Academic Year Transfer Allowance : Rs.700/- p.m. (w.e.f. 1.5.2010) GRANT OF EXTENSION IN SERVICE First Stage: On completion of 30 years of service or on attaining 55 years of age, whichever occurs first (for grant of extension in service upto 58 years of age) Second Stage: On attaining 58 years of age (for grant of extension/continuation upto 60 years of age being the age of retirement). (Cir.No.Per/35 dated 10.11.1999 & Per/17 dated 09.06.2001)
PART-C CATEGORISATION Rule No.6 (1) & (2) of SBOP (Officers) Service Regulations 1979 reads as under: 6 (1): Having regard to the responsibilities and functions exercisable, every post of an officer in the Bank shall be categorized by the Board or the Executive Committee or the competent authority as falling in any one of the grades or scales mentioned in regulation 4 and such categorization may be reviewed from time to time by the Board or the Executive Committee or the competent authority. Provided that the categorization of the posts in existence on the appointed date shall be done before the expiry of two years from that date and shall, in respect of the posts in the senior management and top executive grades, be done by a committee appointed for the purpose by the Board or the Executive Committee. 6 (2): For the purpose of categorization of posts under sub-regulation (1), every branch or office of the Bank shall be classified by the Bank in accordance with the criteria to be approved by the Board or the Executive Committee as small, medium, large, very large or exceptionally large category. **********
B. 1.
HOUSE RENT ALLOWANCE Entitlement:
Officers are entitled to House Rent Allowance as under:House Rent Allowance : Classification of Place Rates Major A class cities and Project Centres in Group A 8.5% of pay Other places in Area I and Project Centre in Group B Places in Area II Other places House Rent Recovery/Standard Rent at First Stage Furniture Rent Recovery at First Stage of Scale 7.5% 6.5% 6.5% 1.20% 0.25%
Provided that if an officer produces a rent receipt, the House Rent Allowance payable to him/her shall be the actual rent paid by him/her for the residential accommodation in excess over 1.20% of Pay in the first stage of the Scale of Pay in which he/she is placed with a maximum of 150% of the House Rent Allowance payable as per aforesaid rates mentioned in Column II above. Note:- The claims of the officer employees for House Rent Allowance linked to the cost of their ownership accommodation shall also be restricted to 150% of the House Rent Allowance as hitherto. (Cir.Per/15 dated 29.06.2005)
2. Payment of HRA at Ghaziabad or Such Like Nearby Places in Area I at par with Delhi or Such Like other places: Ghaziabad, Faridabad, Noida and Gurgaon, on the basis of their nearness to Delhi, are treated at par with Delhi for the purpose of payment of House Rent Allowance and Halting Allowance to the Officers. The following clarifications are made in this regard(i) Officers posted at Gurgaon can be allowed leased accommodation at Delhi at the discretion of the Bank, taking into account the distance between the place of work and the place where the leased accommodation is sought. (ii) Officers posted at Gurgaon, when deputed to Delhi or vice versa will not be entitled to halting allowance. (iii) The rental ceilings for leased accommodation at Gurgaon may be extended as per the entitlement at Delhi. (iv) House Rent Allowance may be paid at the rate applicable to Delhi in case the officer posted at Delhi, occupies the house constructed/purchased by him at Gurgaon. However, he should be considered for residential accommodation at Delhi if he owns a house at Gurgaon. The same may be applied when nearby place to Area I is treated at par with that city like Ahmedabad and Gandhinagar. (Cir No.Per/86 dt.3.11.82, Per/1 dt.6.4.92 and Per/27 dt.28.8.93) 3. Payment of HRA/CCA at places which are within 8 kms from Chandigarh: Officers posted at Chandimandir, Mohali and such other centres which are within 8 kms of Municipal limits of Chandigarh, may be extended the facility of HRA/CCA and leased accommodation at par with Chandigarh. (Cir.No.Per/7 dated 9.5.92) 4. HRA where Husband & Wife, both are Officers in the Bank:
(1) The Officers spouse, serving in the Bank and otherwise eligible for residential accommodation (on his/her own) living in the accommodation provided to his/her spouse by the Bank may be reimbursed House Rent Allowance on the certificate basis not exceeding the amount paid by his/her spouse in excess of 1.75% of the 1st stage of his/her pay scale. (ii) If both are living in a house belonging to one of them and the House Rent calculated in terms of Paragraph 22(3) of the State Bank of Patiala (Officers) Service Regulations, 1979 is more than what is reimbursable by the Bank plus 1.75% of the 1st stage of the scale of pay of the owner officer, his/her spouse may claim minimum house rent allowance on certificate basis, not exceeding the amount of difference. (iii) If both are living in a rented house and one of them obtains reimbursement of rent on the basis of rent receipt, however the amount reimbursed is less than the actual rent, the other spouse would be eligible for minimum House Rent Allowance on certificate basis not exceeding the amount of difference.
(iv) Where the husband and wife are living in a rented house, both of them may claim house rent allowance on certificate basis. (Cir.No.Per/57 dated 30.6.88 and Memo No.Per/24 dated 3.7.95) 5. Payment of HRA when Officer is staying in his own house and HRA on Capital Cost Basis: (i) The Officers staying in their own houses have also been permitted to draw House Rent Allowance on Certificate Basis as above, subject to adjustment when House Rent Allowance payable on the basis of Capital Cost or Annual Rental Value taken for Municipal assessment of the accommodation is determined. (Cir.No.Per/10 dated 25.3.1980) (ii) As per Regulation 22(2) of SBOP (Officers) Service Regulations, 1979, AreaI, Area-II and Area-III shall mean as under: Area-I: Area-II: Area-III: (iii) Places with a population of more than 12 lakhs All cities, other than those included in Area-I, which have a population of 1 lakh and more. All places not included in Area-I and Area-II. As per Regulation 22(3) of SBOP (Officers) Service Regulations 1979, where an officer resides in his own accommodation, he shall be eligible for a house rent allowance on the same basis as mentioned in proviso to such Regulation (2) as if he were paying by way of monthly rent a sum equal to one twelfth of the higher of A or B below:(a) (b) (A) Municipal taxes payable in respect of the accommodation; and 12% of the Capital Cost of the accommodation including the cost of the land and if the accommodation is a part of the building, the proportionate share of the capital cost of the land attributable to that accommodation, excluding the cost of special fixtures, like air conditioners OR (B) The annual rental value taken for municipal assessment of the accommodation. (iv) Each case, however, shall be submitted to the Controlling Authority for prior approval of the rent fixed on the basis of capital cost as envisaged in Regulation 22(3). (Cir.No.Per/36 dated 11.8.80) v) An officer posted at difficult centre can be permitted to draw HRA on rent receipt basis (at rate applicable to previous place of posting) if he was residing in a rental accommodation arranged by himself prior to his transfer to difficult centre and continues to retain his family thereat, provided the official/leased accommodation has not been provided by the Bank to him at the place of his posting. (Cir.No.Per/102 dated 28.04.1999)
vi) Officers who are staying in their own houses prior to the transfer to a difficult centre, be permitted to retain their families thereat and may also be permitted to draw HRA on capital cost basis. Further, in case an official residence is provided by the Bank at the place of posting in the difficult centre (i.e. when the official residence made for the incumbent such as Branch Manager, is available for occupation) the official if retaining his family in his own house in the circumstances stated above, may also be permitted to draw HRA on capital cost basis for his own house and would be subject to a House Rent Recovery from his salary for the official residence occupied by him. vii) It has been decided to extend the facility of payment of HRA on capital cost basis to such officers also who shift their families to their own houses after their transfer to difficult centres. viii) HRA on capital cost basis will be allowed to officers who keep their family at their own house even if their house is situated outside the place of posting. However, the payment of HRA on capital cost will be the amount workable on capital cost basis or amount of leased accommodation to which the officer is entitled at the place of posting, whichever is less. (Cir.No.Per/22 dated 14.03.2005) (ix) Following procedure will be adopted for determination of capital cost of an officials own house in which he stays:a) In case of the Banks House Schemes, there should be no difficulty in ascertaining the capital cost of the building. The employee shall, however, be required to provide satisfactory evidence for any major additions/alterations subsequently carried out in the building/flat at his cost. b) In the case of buildings, either constructed and occupied by the employee outside the Banks scheme or occupied as being an ancestral property, the employee shall produce satisfactory evidence for the original capital cost of the building (including original cost of land) and cost of the subsequent major additions/alterations carried out. c) If it is not possible to give satisfactory evidence of the capital cost especially in the case of ancestral house, then the criteria for determining the house rent allowance payable to the employee will be governed by the rental value as assessed and recorded in the registers of the local authority like Municipality. d) The evidence showing cost of any major additions, alterations, should be supported by a certificate from a qualified architect, at the discretion of the Bank. The Banks engineer may visit the house and certify that the capital cost claimed is reasonable. e) Where a portion of jointly owned house belongs to the officer, the capital cost will be calculated proportionately. (Cir.No.Per/36 dated 11.8.80 and Per/8 dated 12.2.81) f) House Rent Allowance on capital cost basis will not be admissible in case an officer (transferred to a rural branch and permitted to retain his family at a place of his choice) shifts his family to his own house built with Banks finance at a centre other than the place of his posting. (Cir.No.Per/7 dated 2.5.2001)
6.
Payment of HRA when the Officer is staying in the House belonging to his Wife or Kith & Kin: Where an officer is staying in a house belonging to his wife or kith & kin and the Bank is satisfied that the house actually belongs to the spouse or kith & kin, the Bank may reimburse the House Rent Allowance in terms of Regulation 22(2) of State Bank of Patiala (Officers) Service Regulations, 1979, relying on the rent receipt of the spouse or kith & kin for the rent actually paid. If no rent receipt is produced and the house is owned by the officers wife, children, father or mother, he will be eligible for reimbursement of the minimum house rent in the usual manner. (Cir.No.Per/44 dated 28.8.81)
7. i)
Payment of HRA when Officers are staying in Hostels/Lodging Houses: Where officers are staying in hostels/lodging houses, the charges paid by the officers for lodging (excluding boarding) may be taken as the actual house rent paid by the officer for the purpose of reimbursement of House Rent Allowance under Regulation No.22(2). (Cir.No.Per/10 dated 25.3.80)
ii) Having regard to the facts that the officers posted at Bombay were experiencing considerable difficulty in obtaining suitable housing accommodation on rental basis as also the landlords demanding advance rent upto 2-3 months, the following facilities were extended to the officials posted in Bombay from outstations: Officers entitled for provision of residential accommodation were permitted to avail paying-guest accommodation and reimbursed with the rental portion of the accommodation so obtained, the ceiling for such reimbursement being restricted to Rs.400/- per month in each case. The reimbursement was made on production of receipt for the payment made for the rental portion of the accommodation and after satisfying that the payment was genuine and that the rent was reasonable. In supercession of the above instructions, the concerned officials posted at Bombay may now be reimbursed House Rent as provided in Regulation 22(2) of State Bank of Patiala (Officers) Service Regulations 1979, subject to submission of receipts representing the rental portion of the paying guest accommodation. In cases where it is not possible to produce the receipts, the officer may claim House Rent at the same rate to which an officer is entitled. (Cir.No.Per/104 dated 28.12.82) 8. When the Officer Resides with Spouse/Child/Parents:
In an accommodation provided by Govt. or autonomous public undertakings or semi govt. organisations such as Municipality, Port Trust etc. or the spouse claims HRA on production of rent receipt, the officer will not be allowed to claim HRA for the same quarter twice. He will also not be eligible for minimum HRA. (Cir.No.Per/113 dated 6.8.1983) 9. When the Landlord refuses to issue Rent Receipt:
When an officer is claiming House Rent on Receipt basis but the landlord refuses to issue rent receipts, he may pay rent by means of a crossed cheque in favour of the landlord and furnish a certificate to this effect to the Bank. He may be reimbursed HRA as per his entitlement. (Cir.No.Per/Per/78 dated 4.12.1990)
10.
HRA and Income Tax Deductions from Salary:
Under Section 10 (13A) of the Income Tax Act, 1961, any special allowance specifically granted to an assessee by his employer to meet expenditure actually incurred on payment of rent (by whichever name called) in respect of residential accommodation occupied by the assessee is exempt from Income Tax to the extent as may be prescribed, having regard to the area of place in which such accommodation is situated, and other relevant considerations. The Rule 2A of the Income Tax Rules, 1962, prescribes the limits in respect of the amount which is not to be included in the total income of the assessee for the purpose of Section 10 (13A) of the Act. It has to be noted that only the expenditure actually incurred on payment of rent in respect of residential accommodation occupied by the assessee, subject to the limits laid down in Rule 2A qualifies for exemption from Income Tax. Thus, House Rent Allowance granted to an employee who is residing in a house/flat owned by him is not exempt from Income Tax. The disbursing authorities should satisfy themselves in this regard by insisting on production of evidence of actual payment of rent before excluding the house rent allowance from the taxable income of the employee. (Cir.No.Per/6 dated 2.2.1981 & Per/60 dated 16.2.1981) An Officer on his joining at the new place of posting on transfer/shifting in his own house should exercise his option regarding the mode of drawing House Rent Allowance within two months from the joining at his new place of posting/shifting to own house or otherwise it will be allowed from the beginning of the next financial year. (Memo No.Per/90 dated 3.1.1997) C. CITY COMPENSATORY ALLOWANCE
City Compensatory Allowance

Area Place in Area I and in the State of Goa Places with population of 5 lacs and over and State Capitals & Chandigarh, Pondicherry, Port Blair Rate 4% 3% Rates Max. Rs. 540/375/-
F. MID-ACADEMIC YEAR TRANSFER ALLOWANCE Mid Academic Year Transfer Allowance : Rs.700/- p.m. (w.e.f. 1.5.2010) 1. As per Regulation 23(iv) of SBOP (Officers) Service Regulations 1979, if an officer is transferred from one place to another in the midst of an academic year and he has one or more children studying in school or college in the former place, he is entitled to a Mid-Academic year Transfer Allowance of Rs.700/- per month, subject to other conditions, from the date he reports to the latter place upto the end of the academic year, provided that such allowance shall cease if the children cease studying at the former place. (Cir.No.Per 14 dated 8.6.1998 and Per/15 dated 29.06.2005) 2. The facility of Mid-Academic year Transfer Allowance was also extended to Probationary/Trainee Officers w.e.f. 1.1.1973, throughout the academic year regardless of number of times they are transferred during the training period. However, where such officers keep their children for educations at towns other than the stations at which they are posted at the time of their transfers and continue to do so after their subsequent transfers in the mid session, they will not be eligible for the allowance. (Cir.No.Staff/26 dated 26.5.1973)
3. Trainee Officers will not be eligible to Mid-Academic year Transfer Allowance for the second Academic session. (Cir.No.Per/6 dated 23.1.1986) 4. Prior Head Office approval should be obtained for charging this allowance. (Cir.No.Staff/66 of 1972) 5. Where circumstances warrant, the Bank may, at its discretion, permit the officers to retain the quarters provided by the Bank at former place of posting for limited period besides providing them with quarters, if eligible at the transfer place subject to usual recovery of rent for accommodation at both the places. In that case, Mid-Academic year Transfer Allowance will not be paid. (Cir.No.Per/116 dated 23.8.1983) G. DEPUTATION ALLOWANCE: Deputation Allowance will be payable to the officers as under:Deputation Allowance:
Classification Rate Deputation outside the Bank 7.75% Deputation to an Organisation at same place or to 4% Training Establishment of Bank Rates Max. Rs. 2300/1200/-
(No deputation allowance is payable to Credit Managers deputed to DIC.s) (Cir.No.Per/105 dated 29.12.1982) H. OFFICIATING ALLOWANCE
1. As per Regulation 23(vi) of SBOP (Officers) Service Regulations 1979, if an officer is required to officiate in a post in a higher scale for continuous period of not less than 7 days at a time or aggregate of 7 days during a calendar month, he shall receive an officiating allowance equal to 6% of his pay, prorate for the period for which he officiates. Officiating Allowance will rank as pay for the purpose of Provident Fund and not for other purposes. Provided that where an officer comes to officiate in a higher scale as a consequence solely of the review of the categorization of posts under Regulation 6, shall not be eligible for officiating allowance for a period of one year from the date on which i.e. review of the categorization takes effect. (Cir.No.Per/36 dated 3.10.2002) 2. Officiating Allowance is payable when a position falls vacant due to transfer or other exigencies and it becomes necessary to make officiating arrangement. It may, however, be paid only with the prior approval of the concerned competent authority. Officiating Allowance will not be paid if officiating arrangements are made in violation of the laid down instructions. (Cir.No.Per/8 dated 3.6.1993) 3. i) Officiating arrangements should not be necessary in Administrative Offices where Head of the Department goes on leave for a few days and another officer of his rank and seniority is available in the same building or nearby to look after the work. Similarly, in branches, officiating arrangements may not be necessary unless the Branch Manager or the Head of Division or an officer holding charge of cash is not available. (Cir.No.Per/8 dated 3.6.1993)
ii) For the sake of clarification For a few days means a period of less than 7 days and the words within a few days as appearing in Para 1(ii) of Circular No.Per/8 dated 3.6.1993 may also be taken to mean Within a week. (Cir.No.Per/34 dated 7.12.1993) 4. As per extant scheme of delegation of powers, where an official of lower grade is posted to a position of higher grade, he may exercise the powers corresponding to that higher grade with the approval of the competent authority. The competent authority to allow such officiating arrangement has been defined as under:Grade/Scale MMGS- II MMGS- III SMGS- IV SMGS- V TEGS- VI Period *Upto 3 months ---do-----do-----do-----do--Authority DGM/ZM GM (Op.) CGM MD MD
*The officiating arrangement exceeding three months shall be approved by the enxt higher authority in each case and shall be subject to usual report for control to the next higher authority. It is clarified that whenever an officer will officiate against higher post with the approval of the competent authority, he will exercise financial powers of that higher post. (Cir.No.OPD/GEN/27 dated 12.6.1989 & GB/OPD/6 dated 08.12.205) Note: Officiating Allowance is not payable to an officer while he is on leave (including casual leave), on deputation for training or while taking over new assignment etc. When an officer officiating in a higher post on a regular basis is absent for more than 7 days from his post, officiating allowance for such period of absence exceeding 7 days in a month would not be payable. (Cir.No.Per/112 dated 6.11.1987) Prior permission of the competent authority, in writing, should invariably be obtained before allowing any officiating arrangement. However, in emergent cases, where it is not possible to obtain the prior permission of the competent authority, confirmation for such an emergent arrangement must immediately be sought say on the day such an arrangement became necessary or within maximum of 2/3 days. Further, in case the officiating arrangements are required to be made against a permanent vacancy, the Controlling Authority, while seeking the approval of the competent authority, should also propose and specifically mention the fact regarding the scale/level of financial and administrative powers to be exercised by the concerned officer in addition to higher passing powers. No officer will exercise the financial and administrative powers of the higher scale without the written permission of the competent authority. In case of officiating arrangements under leave arrangement, the concerned officer will exercise higher passing powers and will not exercise higher financial and administrative powers which, in the case of any urgency, may also be delegated with the specific approval of the competent authority. (Cir.No.Per/35 dated 31.11.1998)
The controlling authorities may put up the cases for officiating arrangement on the Performa enclosed with the H.O. Cir.No.Per/37 dated 18.10.1994. I. CLOSING ALLOWANCE
As per Regulation 23 (vii) of SBOP (Officers) Service Regulations 1979, if an officer is posted at a branch where books are closed on 31st March and 30th September, he is entitled to a Closing Allowance of Rs.250/- for each of the two closings. The allowance is payable to concurrent auditors also. (Cir.No.Per/14 dated 8.6.1998 and Per/9 dated 24.06.1999) Closing Allowance is payable to all officers in Junior & Middle Management Grades, irrespective of the date of promotion to officers cadre. (Cir.No.Per/12 dated 5.3.1981) J. SPLIT DUTY ALLOWANCE Split Duty Allowance : Rs.165/- p.m.
As per the Regulation 23(viii) of SBOP (Officers) Service Regulations 1979, if the working hours of an officer during a day are split with minimum interval of two hours, he is entitled to Split Duty Allowance. Split Duty Allowance shall be payable at Rs.165/-p.m. (Cir.No.Per/15 dated 29.06.2005) K. HALTING ALLOWANCE TO CUSTODIAN OF A VAULT OR LOCKER ON HOLIDAY As per Regulation 23(ix) of SBOP (Officers) Service Regulations 1979, if an officer is required to work as Custodian of a Vault or Locker on a holiday, he will be paid Halting Allowance at the rate to which he is entitled.
L. HILL & FUEL ALLOWANCE: Hill & Fuel Allowance will be payable to the officers as under:Hill & Fuel Allowance :
Classification Places with altitude of 1000-1499 meters Places with an altitude of 1500-2999 meters Places with an altitude of 3000 and above Rate 2% 2.5% 5% Rates Max. Rs. 550/680/1570/-
Note: a) Officers posted at places with an altitude of not less than 750 metres and which are surrounded by hills with higher altitude which cannot be treated without crossing an altitude of 1000 metres or more, will be paid Hill & Fuel Allowance at the same rate as is payable at centres with an altitude of 1000 metres and above. b) Hill & Fuel Allowance presently paid at any centre not covered by the above classification shall stand withdrawn. The allowance already paid between 1.11.1987 and 30.4.1989 shall not be recovered. From 1.5.1989 onwards, the quantum of allowance paid as on 30th April under the old provisions alone shall be protected in the case of officers posted at that centre on or before that date till the time they remain posted at that centre in the same scale of pay. (Cir.No.Per/33 dated 17.8.2001)
M.
DISCOMFORT ALLOWANCE
-Discomfort Allowance : Rs200/- per day (Officers who are required to work in shifts involving hardships such as airports (Per/21 dt.24.08.07)
b) For the time being, discomfort allowance shall be paid to the following category of officers:i) Officers who are required to work in shifts involving hardships. ii) Security Officers and Assistant Security Officers whose duties include liaison work and receiving dignitaries at the airports, railway stations etcetra and whose hours of duty consequently get extended beyond usual working hours as a regular feature. (Cir.No.Per/10 of 1980 dated 25.3.1980 and Per/35 dated 25.8.2001) Compensation for working on Sundays/Public Holidays: Compensation in the form of out of pocket expenses/luncheon expenses may be reimbursed to officers detained to work in branches/offices on Sundays/Public Holidays @ Rs.500/per day at rural branches and @ Rs.700/- per day at other centres. (CirNo.Per/15 dated 21.5.2001) Officers posted at Airport offices and Service branches who are required to work before 8 a.m. or after 8 p.m. be paid out of pocket expenses of Rs.100/- per day. Such instances of payment, however, may be restricted to 5 or 6 days in a month selectively subject to satisfaction of the Zonal Head in each and individual case. (Cir.No.Per/21 dated 22.6.2002) Out of Pocket Expenses to Liaison/Assistant Liaison Officers: The Liaison Officers and Assistant Liaison Officers attending on important dignitaries at the Airport/Railway Stations at odd hours will be reimbursed with out of pocket expenses as under, if the total absence from headquarters is not less than three hours:Time of duty Max. limit for reimbursement Attending duty at airport/railway station during breakfast Time i.e. between 6 A.M. to 9 A.M., during lunchtime i.e. between 12 noon to 2 P.M. or during dinner time i.e. between 8 P.M. to 11 P.M. Rs.110/Attending duty at airport/railway station at any time other Than the timings mentioned above (3 to 6 hours) More than 6 hours Discomfort allowance to Laiosion, Asstt Laision officers and Securty/Asstt Security officers w.e.f 01/07/2008 Cir.No.Per/10 dated 15.07.2008 Rs.220/Rs. 400/Rs. 1000/- p.m.
Late sitting by D.B.A.s: Compensation @ Rs.100/- per day (with a maximum of 6 days in a month. (Cir.No.Per/21 dated 21.6.2002) General Provisions: Officers at Hubs/Switch Centres/Disaster Recovery Centres or similar sensitive installations requiring round the clock maintenance shall not participate in any work stoppage/strike action. **********
CHAPTER- 4 PERQUISITES ADMISSIBLE TO OFFICERS

A. MEDICAL AID Rs. 6320/-p.a.
Medical Allowance : (w.e.f. 1.11.2007) a) JMGS/MMGS Rs. 5100/- per annum b) SMGS & above
(b).
HOSPITALISATION EXPENSES
JMGS/MMGS 125% SMGS/TEGS 150% of rates applicable to clerical staff
Hospitaliation: 100% for self and 75% for dependants at approved rates Hospitalisation Expenses On and from 1st May 2010, reimbursement of hospitalisation expenses under Regulation 24(1(b)(i) of Officers Service Regulations, 1979/1982, shall be in terms of the Hospitalisation Scheme laid down under Bipartite Settlement dated 27th April 2010 for workmen employees, subject to following limits:-
Scale of Officer a) Junior Management Grade Scale I and Middle Management Grade Scales II & III.
Limits
i) Bed Charges Self Rs.700/- per day. Family Rs.525/- per day. ii) Other charges At the scale of 125% of the limits laid down under the Hospitalisation Scheme applicable to workmen employees. b) Senior Management i) Bed Charges Grade Scales IV & V Self Rs.900/- per and Top Executive day. Family Grade Scales VI & VII. Rs.675/- per day. ii) Other charges At the scale of 150% of the limits laid down under the Hospitalisation Scheme applicable to workmen employees.
SCHEDULE V SCHEDULE FOR REIMBURSEMENT OF HOSPITALISATION EXPENSES 1. Hospitalisation expenses will be reimbursed to workmen staff in the bank to the extent of 100 per cent in case of self and 75 per cent in case of dependent members of family subject to the procedure for reimbursement of hospitalisation expenses as enumerated hereunder: (a) Hospitalisation charges to the extent stated above will be reimbursed in case of all ailments and major accidents which require hospitalisation. (b) A workman or his dependent family member(s) will be considered to have been hospitalised only if they are admitted as indoor patient(s) in the hospital in respect of diseases/accidents as mentioned above in sub-para (a). However, cases where the patient is admitted as an outpatient and discharged the same day after surgical procedures involving advanced techniques may also be considered for reimbursement of hospitalisation expenses. (c) Medical expenses incurred for the hospitalisation will be reimbursed on the strength of bills/vouchers to the extent of 100% in case of self and 75% in case of family members subject to limits prescribed hereunder. 2. For the purpose of medical facilities:
The expression family of an employee shall mean the employees spouse, wholly dependent unmarried children (including step children and legally adopted children), wholly dependent physically challenged brother/sister with 40% or more disability, as also parents ordinarily residing with and wholly dependent on the employee. (a) The term wholly dependent child/parent, wholly dependent brother/sister shall mean such member of the family having a monthly income not exceeding Rs.3500/- p.m. If the income of one of the parents exceeds Rs.3,500/- p.m. or the aggregate income of both the parents exceeds Rs.3,500/- p.m., both the parents shall not be considered as wholly dependent on the employee. (b) A married female employee may include her natural parents or parents-in-law under the definition of family but not both provided that the parents/parents-in-law are ordinarily residing with and wholly dependent on her.
3. The reimbursement of hospitalisation expenses will be restricted to the following charges:
Sr. No. 3.1
Details
Extent of reimbursement 100% for self and 75% for dependent family members of the amount actually incurred or Rs.220/- whichever is lower. Proportionate to the extent of the bill passed by the bank 100% for self and 75% for dependent family members of the amount actually incurred or Rs.450/- whichever is lower. 100% for self and 75% for dependent family members of the amount actually incurred or Rs.550/- per day, whichever is lower. This is in addition to bed charges. As per Annexure I hereto
(a) Hospital Registration Fees
(b) Surcharge/tax on hospital bills 3.2 Charges for bed per day (excluding boarding charges)
3.3
ICU/CCU/Neo-natal Nursery
3.4 3.5
Diagnostic material charges, X-rays, Pathological tests, ECGs, etc.
Medicines, drugs, injections 100% or 75% as the case may be (including disposable syringes), of actual expenses. bandage and dressing materials, etc. except tonics/vitamins. (However, tonics/vitamins which are prescribed by the attending doctor and certified as essential for the period of hospitalisation, may be considered for reimbursement.) Operation charges, etc. As per Annexure-II hereto
3.6
3.7
Physicians and Consultants fees per visit:

100% for self and 75% for dependent family members of the amount actually incurred or the amount as mentioned below against each item, whichever is lower Major A Class cities viz. Mumbai, Chennai, Delhi, Kolkata, Ahmedabad, Bangalore & Hyderabad
Other Places
Rs. per visit

VISIT AT THE CHAMBER
Rs. per visit 130/70/-
First Consultation Subsequent Consultations

VISIT AT RESIDENCE
220/85/-
In case of emergency leading to Hospitalisation Second Consultation Subsequent Consultations
330/250/165/-
210/165/110/-
VISIT MADE BY SPECIALISTS AT THE HOSPITAL:- SPECIAL VISIT
During the day time 140/95/During the night time 330/165/Routine visits 140/95/4. The workmen or members of their families (as the case may be) are expected to secure admission in a Government/Municipal Hospital or any private hospital (i.e., hospitals under the management of a Trust, Charitable Institution or a religious mission). The reimbursement will be restricted to the percentage applicable to the workman / dependent family member, i.e. 100% or 75% of the charges applicable to the lowest paying bed in such hospitals according to hospital rules or the maximum amounts mentioned above, whichever is lower. 5. Normally, the workman and members of family should avail of services of hospital as mentioned in paragraph 4 above. However, if he feels, that it is unavoidable to seek services of a private nursing home/hospital, he can do so in one of the hospitals/nursing homes, approved by the bank. Reimbursement in such cases will, however, be restricted to the extent of the amount which would have been reimbursable in case of admission to a public or private hospital as mentioned in paragraph 4 above.
6.
Medical expenses incurred within 30 days of pre and post-hospitalisation period on medical advice, on account of the ailment/disease for which the person was hospitalised, will be considered as hospitalisation expenses for reimbursement purpose. However, in cases of hospitalisation involving special or major operations, medical expenses incurred for a period not exceeding 45 days of post-hospitalisation will be considered for reimbursement, subject to medical advice. Charges for engaging a nurse/attendant will not be reimbursed. However, nursing charges, if any, charged by hospital authorities in respect of days spent in ICU / CCU/ neo-natal nursery may be considered for reimbursement on the basis of certificate issued by the hospital authorities and in consultation with banks Medical Officer. Reimbursement in such cases shall be 100% for workmen and 75% for family members of the actual charges. Hospitalisation charges in connection with maternity will not be reimbursable. However, the expenditure incurred by an employee in cases involving operative interference because of complicated labour and caesarean operation and subsequent hospitalisation thereto will be reimbursed under the hospitalisation scheme to the extent of expenditure incurred in excess of normal maternity charges and consequent hospitalisation thereto subject to the condition that such reimbursement shall be 70% of the amount actually incurred or the limits as per Annexure II hereto, whichever is less. The purchase of drugs/medicines will be restricted to approved chemists and arrangements will be made by banks wherever possible to make direct payments to the chemists.
7.
8.
9.
10. Banks will have discretion to refuse payment of bills in cases where they are not satisfied about the genuineness of the bills. 11. Ambulance Charges
Ambulance charges for removing the workman or his dependent family member from residence to the hospital/nursing home or from hospital/nursing home to residence on discharge or from one hospital/nursing home to another hospital/nursing home, within the urban agglomeration or municipal limits may be reimbursed in full. Actual expenses incurred on conveyance by mode other than ambulance shall be reimbursed subject to the maximum as under: (i) (ii) By public taxi By autorickshaw Actuals subject to maximum of Rs.165/per trip Actuals subject to maximum of Rs.85/per trip
In case the patient is to be moved to a hospital/nursing home outside the urban agglomeration/municipal limits, then the expenses incurred on conveyance may be reimbursed at the rate of Rs.6.00 per kilometer, with a maximum of Rs.1100/- per trip or the amount actually incurred, whichever is the least. Normally, services of an ambulance should be availed of. Where ambulance is not available or the facility of ambulance is not established, public mode of transport i.e. taxi/ auto rickshaw could be used. The bank shall consider such claims on merits and facts. Abuse of the facility will be dealt with treating such claims as acts of gross misconduct. 12. Domiciliary Treatment
Medical Expenses incurred in respect of the following diseases which need domiciliary treatment as may be certified by the recognised hospital authorities and banks medical officer shall be deemed as hospitalisation expenses and reimbursed to the extent of 100% in case of a workman and 75% in the case of his family. Cancer, Leukaemia, Thalassemia, Tuberculosis, Paralysis, Cardiac Ailment, Pleuresy, Leprosy, Kidney ailment, Epilepsy, Parkinsons Disease, Psychiatric disorder, Diabetes, Hepatitis-B, Hepatitis-C, Haemophilia, Myastheniagravis, Wilsons disease, Ulcerative Colitis, Epidermolysis bullosa, Venous Thrombosis (not caused by smoking), Aplastic Anaemia, Psoriasis, Third Degree Burns, Rheumatoid Arthritis, Hypothyroidism and Hyperthyroidism. Note:(i) The cost of medicines etc. in respect of domiciliary treatment shall be reimbursed for the period stated in the Specialists prescription. If no period is stated, the prescription for the purpose of reimbursement shall be valid for a period not exceeding 90 days. (ii) Expenses incurred on radiotherapy and chemotherapy in the treatment of cancer and leukaemia shall be considered for reimbursement under domiciliary treatment to the extent of 100% in case of a workman and 75% in the case of his family.
13.
The medical aid and reimbursement of expenses under the hospitalisation scheme under this Settlement will also be available for medical treatment under the recognised systems of medicines, viz., Ayurvedic, Unani, Sidha, Homeopathy and Naturopathy if such treatment is taken in a clinic/hospital recognised by the Central/State Government. Further, reimbursement shall be limited to such expenses within the prescribed
ceilings as would have been reimbursable in case the treatment was taken in a Government/Municipal hospital, subject to the overall limits under the scheme, i.e., 100% of approved expenses for self and 75% in case of family. 14. Package Charges Some hospitals are charging on the basis of package for specialised treatment for diseases pertaining to heart, kidney, coronary, etc. These package charges generally include all charges pertaining to a particular treatment/procedure including admission charges, accommodation charges, ICU/ICCU charges, monitoring charges, operation charges, anesthesia charges, operation theater charges, procedural charges/ Surgeons fee, cost of disposables, cost of consumables like catheters, guide wires, etc., surgical charges and cost of medicine used during hospitalisation, related routine investigations, physiotheraphy charges etc. In the following cases, package charges will be reimbursed to the extent of 100% in the case of self and 75% in the case of dependent members of family, subject to the limits specified below:(a) Coronary Bypass Surgery (b) Coronary Angiography (c) Angioplasty/Stentoplasty (d) Kidney Transplant (e) Liver Transplant Rs.1,60,000/Rs.16,500/Rs.80,000/Rs.1,80,000/Rs.2,20,000/-
Note:(i) For the above ailments, workmen employees can claim either as per schedule of expenses prescribed or package charges whenever the treatment is taken under package charges scheme. (ii) In the case of stentoplasty, cost of medicated stent(s), wires/balloon, implanted during surgery may be reimbursed at the rate of 75% for family members and 100% for workman himself at rates not exceeding the rates applicable to lowest paying bed of AIIMS, New Delhi, in addition to the package charges indicated above. (iii)Liver transplant charges are not reimbursable in cases where damage to the liver has been caused by alcoholism. ________
Annexure I SCHEDULE FOR REIMBURSEMENT OF CHARGES INCURRED BY WORKMEN FOR PATHOLOGICAL ETC. INVESTIGATIONS
100% for self and 75% for dependent family members of the amount actually incurred or the amount as mentioned below against each item, whichever is lower (Rupees)
NAME OF PROCEDURE
CLINICAL PATHOLOGY Urine Routine Urine for Albumin Urine for 17 Ketosteroids Urine Culture Urine for Column Count Test Sensitivity Test Urine for Acid Fast Bacilli (T B Culture) Urine Bile Pigment and Salt Urine Urobilinogen Urine Occult Blood Urine Total Proteins Urine Sodium Urine Chloride Bence Jones Protein Stool Routine Stool Occult Blood Smear Analysis Body Fluids-C.S.F./Plural/Ascitic, etc. Chemistry, Sugar, Protein, etc Malignant Cells HAEMATOLOGY Blood Count with Indices (Hb, TLC, DLC) Blood Count without Indices (Hb, TLC, DLC) RBC and Hb with Indices RBC and Hb without Indices Total WBC and Differential Count (TC/DC) Blood Smears for parasites (MP, etc.) Peripheral smear examination 80 75 80 60 60 45 50 45 45 400 125 125 165 115 45 45 45 90 90 90 55 45 45 65 185 150
NAME OF PROCEDURE
Blood for Microfilaria Platelet Count Bleeding and Coagulation time (BT CT) Clot Retraction Time Prothrombin Time Erythrocytes Sedimentation Rate (Westergrens method) Sedimentation Rate (Both Methods) ESR Hb, TLC,DLC, ESR Blood Culture Clot Culture Glucose Phosphate Dehydrogenase (G&PD) Reticulocyte Count Absolute Eosinophil Count Packed CellVolume (PCV) R.B.C. Fragility Test L.E. Cell Haemogram Bone Marrow Smear Examination Partial Thromboplastin BLOOD BANK Coombs Test direct (for coating antibodies) Coombs Test (for complete and incomplete indirect antibodies) Blood Grouping and Rh Factor only (not for matching) for Non-maternity Cases Blood Transfusion per Bottle and Donors fees (including Pathologists attendance and cross-matching) Packed Cell Preparation BIOCHEMISTRY Blood Urea/Calcium/Phosphorus/Phosphatase/ Sodium/Potassium each Blood Urea Nitrogen Urea Clearance Test Creatinine Clearance Test Serum Proteins or Plasma Proteins
110 80 75 75 85 35 35 95 175 175 165 50 45 45 80 105 95 225 150
165 220 75 400 280
110 110 190 190 110
NAME OF PROCEDURE
Serum Proteins Electrophoresis Blood for Fibrinogen Blood for Creatinine Blood Uric Acid Blood Sugar Curve (Glucose Tolerance Test) GTC or GTT CO2 Combining Power of Plasma Blood Cholesterol Blood Protein Bound Iodine (PBI) Blood Chlorides (S Cl) Serum Sodium (S Na) Serum Potassium (S K) Serum Iron (S Fe) Serum Iron Studies Serum Calcium (S Ca) Serum Phosphorous (S.P.) Serum Alkaline Phosphatase Serum Acid Phosphatase Serum Glutamic Oxalic Transaminase (SG OT) Serum Lipase Serum Glutamic Pyruvic Transaminase (SG PT) Serum Anylase CPK Glucose 6 Phosphate Dehydrogenase Serum Lactic Dehydrogenase(LDH) Serum Lactic Dehydrogenase with Isoenzyme SMA 12-2 (14 Blood Chemistry) BACTERIOLOGY & SEROLOGY Brucella Agglutination Test* Cold Agglutination Test for Virus Pneumonia Paul Bunnel Test C Reactive Proteins** Smear Gram-Strain Examination Sputum Smear A.F.B. Stain V.D.R.L. Widal Test
220 120 85 110 310 145 85 330 110 95 95 145 240 95 95 85 150 85 145 85 215 345 185 160 415 690 145 145 165 150 55 55 85 85
NAME OF PROCEDURE
R.A.Test 110 Culture & Sensitivity (other specimens) 165 Vibro Cholera Culture 145 Conjunctival Swab for Microscopic and Culture 155 Examination Smear Examination for Micro Organisms 105 Fluids or Exudates for Malignant Cells 155 * For hospitalised patients only ** For Rheumatic disease to be reimbursed for hospitalised patient X-RAY Fluroscopy Chest Abdomen AP Erect (One Film) Abdomen Lateral View (One Film) Abdomen for Pregnancy Chest PA View (One Film) Chest Oblique or Lateral (One Film) Mastoids Extremities, Bones and Joints (One Film) Pelvis (One Film) Paranasal Sinuses (One Film) T.M. Joints (One Film) Abdomen & Pelvis for K.U.B. Skull A.P. & Lateral Spine AP & Lateral Barium Swallow Sinography/Sialography Cystography/Urethrography Arthrography Retrograde Pyelography Oral or I.V. Cholecystography Barium Enema Barium Meal Upper or Lower Bronchography I.V. Urography Myelography Pneumo Encephalography 135 150 150 150 150 150 150 150 150 150 150 250 250 250 580 660 990 745 825 825 1075 1075 1155 1155 1320 990
NAME OF PROCEDURE
Barium Meal Complete Cerebral/Femoral Angiography C T SCAN/MRI CT Scan CT Scan (with contrast) MRI MRI (with contrast) ULTRA SONOGRAPHY AND ECHOCARDIOGRAPHY Electro Cardiogram (ECG) Indual Test U C G (Phono-cardiography, Telemetry C, Cardiac Ex Test, Stress Test) Echo Cardiography Cardio Version Ultra Sonography US Guided Biopsy SKIN Tuberculin Test (Mantaux) TT or MT Scraping for Fungus Skin Clipping & smear for Leprosy Nasal smear for leprosy LIVER FUNCTION TESTS Thymol Turbidity Test Cephalin Cholesterol Floculation Test Vanden Berghn Reaction and Icterus Index (Quantitative Bilirubin) Takata Ara Reaction Bromsulphalein Excretion Test (Excluding injection charges) PLEURAL AND PERICARDIAL AND ASCITIC FLUIDS Pleural Fluid for Routine Examination Pleural Fluid for Cultural Pericardial and Ascitic Fluids
1320 1570 2750 4400 5500 7200
150 155 760 870 560 435 580 115 60 115 95
100 100 165 110 240
155 155
NAME OF PROCEDURE
SPUTUM EXAMINATION Sputum Routine Sputum for Acid Fast Bacilli only (Sputum AF B) Sputum for Culture (Culture for TB) CSF for Diptheria Culture for Diptheria GASTRIC ANALYSIS Gastric Contents for Routine Analysis (Gastric Analysis or Fractional Test Meal) Sternal Marrow Routine Cytology (Bone Marrow) Basal Metabolic Rate (BMR) Lung Function Test PSYCHIATRY TEST ECT CO2 Psychology Testing RIA TSH, LH, FSH, Prolactin (for each test) Testosterone Parathyroid Estrogen (Total) ACTH HBsAg by RIA or EIA
FOR SURGICAL INVESTIGATION &TREATMENT OF CANCER
100 100 155 140 115
240 310 275 275 150 90 150 180 470 470 470 470 550 550 1100 2200 3300
Scopies and Biopsies Chemotherapy: Single Drug Therapy per day Multiple Drug Therapy per day Infusional Chemotheraphy
OXYGEN CHARGES
Oxygen charges shall be reimbursed at the rate of Rs.40/- per hour subject to a maximum of Rs.400/- per day .
Note: Any test/investigation prescribed by the Hospital/Doctor but not included in the Schedule may be reimbursed at 100%/75% of the cost of such tests or the rates of CGHS, whichever is lower.
Annexure II OPERATION CHARGES

100% for self and 75% for dependent family members of the amount actually incurred or the amount as mentioned below against each item, whichever is lower
Rs. Special Operation
Rs. Major Operation
Rs Minor Operation
(a) Operation Theatre 3,300/2,200/715/Charges (b) Anaesthetists Charges 3,300/2,200/715/(c) Surgeons Fees for 11,000/7,150/2,310/Operation (including Fees for Assistants) (d) Expenses for dialysis, blood transfusion, Heart valve replacement, angiography, implanted items during surgery wherever they do not form part of package charges and pace-maker may be reimbursed at the rate of 75% for family members and 100% for workman himself at rates not exceeding the rates applicable to lowest paying bed of AIIMS, New Delhi. Indicative list of Special, Major and Minor operations is appended below: SPECIAL OPERATIONS : Cardiac including By-Pass Surgery, Brain, Lung and Cancer Operations, Kidney/Liver Transplantation Operation, Bone Marrow transplant and Multiple Fractures (time taken is more than 3 hours). MAJOR OPERATIONS : Kidney Stone (including lithotripsy), Prostate, Thyroid, Caesarean Delivery, Gastrectomy, Hysterectomy, Fractures, Amputations, S.P.Nailing, Discoidectomy, Retina Detachment, Liver & Gall Bladder, Plastic Surgery (not for beautification), Cataract(wih IOL), Hernia subject to Banks discretion (Time taken approximately 1 to 3 hours). MINOR OPERATIONS : D & C, Fissure, Circumcision, Small Hydrocele, Dilatation, Vasectomy, Abscess, Bilat, Hydrocele, Appendix, Tubectomy, Piles, Fistula, Minor Operations of the Eye, Nose and Ear (Time taken approximately 60 minutes or less). Note:Operative interference done using state-of-the-art medical techniques taking less than the time indicated as above will not alter the nature of the operations.
Other relevant references Scheme of Reimbursement of Expenses incurred by the Officers for Treatment Abroad: 1. As a rule reimbursement of expenses incurred by officers and their family members on treatment abroad will not be allowed. 2. In exceptional case necessitating treatment of a kind yet to be widely established in the country, where officers on medical advice obtained in the manner indicated below, choose to go on their own for treatment abroad, reimbursement may be authorised by the board of directors of the Bank subject to conditions laid down hereinafter and limited to the expenditure that would have been incurred had such treatment been received in India in a government hospital or a nursing home specially recognised by the Director General of Health Services of the Government of India. 3. The reimbursement of expenses incurred on air passage for travel abroad in connection with such treatment will not be reimbursed. 4. Foreign exchange may be released to the officers for the purpose of treatment abroad to the same extent as is permissible to private citizens. 5. Hospital and clinics indicated in paragraph 9 below have facility for specialists treatment for which requests are generally received for treatment abroad and in respect of which treatment facility in ordinary hospitals are still inadequate. The services provided by these hospitals may be availed of by the eligible officers. In such cases reimbursement may be allowed subject to the board of directors being satisfied about reasonableness of the claim. 6. The following ailments have been identified as ailments for which treatment in India is not yet widely established: i) Cardaver Kidney Transplant; ii) Old operated by-pass surgery cases (in which the initial operation was done abroad) needing revascularization); iii) Bone marrow transplant; iv) Operative correction for high myopia cases; and v) Complex cyanote- Heart- Lesion and newly born infants suffering from heart diseases. 7. Reserve Bank of India (RBI) will constitute Medical Boards at Bombay, Delhi, Calcutta and Madras and at such other centres as may be considered necessary for the purpose of recommending whether an employee would be covered under the Scheme. The annual cost incurred on meeting of the Board by way of sitting fees, etc., shall be shared on an annual basis by such of the banks which avail of the services of the Medical Boards of examining cases of their officers needing treatment abroad, in a manner as may be decided by the Reserve Bank of India. The Medical Board should make a specific recommendation and also give reasons for recommending treatment abroad. The Medical Board will submit its report to RBI, which in turn, could pass it on to the concerned bank.
8. For the purpose of reimbursement, as envisaged in the scheme, the schedule of charges as applicable for private ward treatment at the All India Institute of Medical Sciences, New Delhi, enforced from time to time, should be adopted. (Cir.No.Per/23 dated 11.06.1996) 9. The following institutions have been identified as having facilities for specialised treatment(a) Bypass Coronary Surgery: i) Southern Railways Headquarters Hospital, Perambur, Madras. ii) Christian Medical College & Hospital, Vellore. iii) K.E.M. Hospital, Bombay. iv) Jaslok Hospital, Bombay. v) Bombay Hospital, Bombay. vi) Kasturba Hospital, Bhopal. vii) Sree Chitra Tirunal Institute of Medical Sciences & Technology, Trivandrum. Kidney Transplant: i) Christian Medical College & Hospital, Vellore. ii) All India Institute of Medical Sciences, New Delhi. iii) Post Graduate Institute, Chandigarh. iv) Jaslok Hospital, Bombay. Blood Cancer: i) Tata Memorial Hospital, Bombay. ii) Cancer Institute, Adyar, Madras. Complicated Heart Surgery Cases: i) Southern Railway Headquarters Hospital, Perambur, Madras. ii) Christian Medical College & Hospital, Vellore. iii) K.E.M. Hospital, Bombay. iv) All India Institute of Medical Sciences, New Delhi. v) Bombay Hospital, Bombay. vi) G.B. Pant Hospital, Delhi. vii) Sree Chitra Tirunal Institute of Medical Sciences & Technology, Trivandrum. viii) Post Graduate Institute, Chandigarh ix) S.S.K.M. Hospital, Calcutta. x) Samaritan Hospital, Alwaye (Kerala). xi) Kasturba Hospital, Bhopal (BHEL). xii) N.M. Wadia Institute of Cardiology, Pune. (Cir.No.Per/23 dated 11.06.1996)
(b)
(c) (d)
Some Clarifications i) It has been decided to allow reimbursement of cost of treatment for snake bite & dog bite to officers. (Cir.No.Per/45 dated 18.1.1996) ii) The officers getting increased pay as a result of increment during a year would be eligible for higher medical aid in that year. (Cir.No.Per/14 dated 16.03.1981 & Per/36 dated 23.07.1981) iii) While claiming for parents the officer/employee will submit the following certificate also: I further certify that dependent parents in respect of whom the reimbursement is being claimed ordinarily reside with me and my other brother and sisters working in the bank have not claimed/are not claiming reimbursement of such expenses. (Cir.No.Per/37 dated 19.05.1987) iv) Reimbursement is admissible in respect of married son/major son as long as he/they are wholly dependent on the officer. (Cir.Per/41 dated 17.05.1994) v) Income tax at source to be deducted only when reimbursement during a financial year exceeds Rs.5000/-. Separate record of the reimbursement of medical expenses for each employee/official should be maintained so that necessary deduction of income Tax may be made before reimbursement whenever the total amount P.A. exceeds Rs.5000/-. (Cir.No.Per43 dated 23.05.1984) The following treatments are exempted from Income Tax: a) Dental treatment including bridging/capping of tooth on account of decaying. b) Hospitalisation charges including charges of medicines, given in the hospitals, operation theatre charges and anesthetists charges. c) Treatment of chronic diseases like Tuberculosis, Cancer, Leprosy. d) Treatment given by a specialist for diseases like chronic lung diseases, asthma/Heart disease/orthopedic treatment/mental disorders as well as operative treatment in gynecology and surgery. e) Medical expenses by an employee in connection with medical examination on account of promotion to higher grade. f) Expenses incurred for family planning operation. g) Expenses incurred for Executive Health check-up. (Cir.No.Per/103 dated 18.07.1983) vi) Where the officers spouse is also employed elsewhere and is eligible for reimbursement of medical expenses from that employer, the officers claim will be reduced to the extent of his/her spouses entitlement under his/her employers rules whether or not the spouse of the Banks officer voluntarily surrenders his/her claim from his/her employers for various reasons, say inordinate delay in reimbursement of medical bills, etc. (Cir.No.Per/45 dated 28.06.1982)
For the purpose of amended Regulation 24(i) powers to reimburse medical expenses are delegated as under: Officials working at Branches: Other than Branch ManagerBranch ManagersBranch Manager Controlling Authority
Officials working at Head Office: Officials working at Head OfficeChief Manager (Office Administration) Officials working at Regional Office-Administrative Officer or any other Designated officer. vii) An officer after retirement will not be eligible for the benefits of medical expenses incurred within 30 days of post Hospitalisation period. (Cir.No.Per100 dated 22.12.1984) viii) Claims for reimbursement of medical expenses should be submitted immediately the expenditure is incurred and in any case not later than four weeks from the date of expenditure. Before passing the medical bills the sanctioning authority should ensure that there is not unreasonable delay in the submission of the bills. (Cir.No.Per/47 dated 18.10.1976) ix) (a) Powers to grant special sick leave on account of injury sustained by officer/employee, while on official duty:Managing DirectorExecutive DirectorGeneral Manager6 months 4 months 2 months
(b) Financial powers for reimbursement of medical expenses for all employees in case of injury sustained while on duty have been revised and full powers have been delegated to the CGM. (Cir.No.Per/43 dated 21.12.2001) x) Expenses incurred by officers for plastic surgery if required for repair or reconstructing a part of the body that has suffered an injury, and is necessary as a part of the treatment thereof and for granting if required for healing of a wound or burn injury. However, reimbursement will not be allowed if the plastic surgery is performed for beautification. xi) The medical bill of the spouse of an employee who is employed elsewhere and is eligible for reimbursement of medical expenses from his/her employer, may be reimbursed, provided the spouse has not made any claim in respect of the same ailment from his/her employer. (Memo No.Per/89 dated 09.02.1986)
d. Executive Health Scheme- Annual Medical Check-Up: e. Annual Health Check-up Scheme a) Major A Centres Scale-III & above Female Rs.3700\- male, Rs.3500/- Male-(b) Other centres Rs.2250\- for both (Linked to place of posting (Per\1 dt.8.4.03 Per\22dt.21.09.05) Scale-I & II (with age of 40 years
above) Rs.1000\- (PER\39 dt.07.02.2008)
Reimbursement of Root Canal treatment Rs.300\-per tooth) Per\17 dt.5.11.08 (Rs.600\- Anterior Rs.900\- Posterior + xray
i) Executives in the Bank, especially those in senior positions are required, in the nature of things to continuously undergo considerable stress & strains. Besides, on account of sedaritary nature of their jobs, they become prone to ailments like diabetes, hypertension, coronary/cerebral troubles etc. These diseases usually go unnoticed over a period of time until they grow into major complications. Now a days, a modern diagnostic methods have made it possible to detect such ailments in the incipient stages and to take necessary preventive measures for which periodical medical examination is essential. It is, however, observed that as long as there is no specific symptom or discomfiture, senior executives, being usually hard pressed for time, do not always think of undergoing a routine medical check up. ii) The Bank, therefore, considers expedient, in the interest of the organisation as well as the executives themselves to provide for an annual medical check up to senior officers. iii) In the first instance, Bank decided to extend this facility of annual medical check up only to the General Managers & Asstt. General Managers. But now the facility has been extended to all officers within the monetary ceiling as under. Following are the monetary ceilings for allowing reimbursement of medical expenses to eligible officers (MMGS-III & above) under the Executive Health Scheme for Annual Medical Check-Up:
Centres Major A class cities ---do--Other cities
Ceiling Rs.3500/- p.a. (for Male) Rs.3700/- p.a. (for Female) Rs.2250/- p.a.
The officer may be permitted to undergo health check-up under the scheme at the place/centre convenient to him even if such centre is located outside the jurisdiction of his controlling office. However, no special leave and also no traveling expenses will be sanctioned for the purpose to the officer.
If the Banks Medical Officer/Consultant considers the necessity of any additional test except the list (as per Annexure-I), during the health check-up as a follow up of the reports, the same may be carried out and paid for by the Bank as part of the Executive Health Check-up scheme. Annexure-I COMMON LIST OF TESTS FOR ALL Two consultations a) Physician/Cardiologist b) Surgeon X-Ray Chest (Full size plate) E.C.G. Pathology Tests: a) C.B.C. b) E.S.R. c) Blood sugar- Fasting with urine sugar P.P. with urine sugar d) Cholesterol e) H.D.L. Cholesterol/Chol. + Triglycerides +LDL + VLDL ratio f) Urea g) Creatinine h) Uric Acid (Males) i) S.G.O.T. j) S.G.P.T. k) Alkaline Phosphatase l) Urine examination m) Stool examination n) Blood Grouping o) Pap smear for female patients Dental Checkup Ultra Sonography of abdomen & pelvis Stress test Eye checkup The following tests may be carried out on the Recommendations of Banks Medical Officer for Echocardiogram T3, T4, TSH Pulmonary function test Bone Densitometry Mammography. (Cir. No.Per/1 dated 08.04.2003 & Per/22 dated 21.09.2005) The prescribed Performa of application is annexed.
1. 2. 3. 4.
5. 6. 7. 8.
1. 2. 3. 4. 5.
Annexure EXECUTIVE HEALTH MEDICAL SCHEME QUESTIONNARE TO BE FILLED IN BY THE OFFICER Name:____________ Age:____________ Designation:____________ 1. Any shortness of breath: Date:____________ Sex:____________ Marital Status: Single/Married/Widower Weight: Gaining/Losing/Steady. Yes/No Walking____________ Climbing stairs_______ Sexual Act___________ Yes/No
At rest:
At night does it wake you up from sleep: Yes/No Can you lie flat comfortably: Or prefer to be propped up: 2. Any chest pain: 3. Any cough: 4. Have you slowed down in your General activity: 5. Do you feel fatigued After a days work: On getting up in the morning: 6. Any weakness in the muscles: 7. Any cramps in the legs or arms: 8. Any pins & needles in hands & feet: 9. Any backache: 10.Is the appetite good: 11.Do you consume Alcohol: Yes/No Yes/No Yes/No Yes/No Sputum: Yes/No Blood in Sputum: Yes/No Yes/No Yes/No Yes/No Yes/No Yes/No Yes/No Any pain in knees: Yes/No How many pillows:______
Yes/No Yes/No
Yes/No
12.Do you smoke:
Yes/No
13.Any soreness of mouth or tongue: 14.Are the teeth normal: Yes/No
Quantity____________ How much___________ Yes/No Dentures: Yes/No
15.Are the bowels regular: Yes/No How many times daily: ______ Any change in previous pattern: Yes/No Any blood or mucous in stool: Yes/No Any pain: Yes/No Distension: Yes/No 16.How many times do you pass urineDuring the day: ______ During the night: ______ Any difficulty in passing urine: Yes/No Any loss of control over bladder/bowel: Yes/No 17.Do you sleep well: Yes/No Timing: (Hours of sleep) ______ 18.Any sexual weakness: Yes/No
Gas trouble:
Yes/No
Loss of libido:
Yes/No
19.Do you have any physical activity: Yes/No Walking _____Exercise:______Tennis:______ Golf:______ Yoga:_____Others_____ 20.Are you troubled by headache: 21.Any difficulty with vision: 22.Any difficulty in hearing: 23.Is your memory good Yes/No Yes/No Yes/No Yes/No Yes/No Yes/No Yes/No Yes/No Yes/No
24.Are you tending to become forgetful: 25.Any difficulty in speech: 26.Any difficulty in swallowing: 27.Any difficulty in hand writing: 28.Any black outs (unconsciousness) 29.Is there any family history of-
Diabetes mellitus: High blood pressure: Heart disease: Tuberculosis: Cancer: 30.Headaches:
Yes/No Yes/No Age at which______ Yes/No Age at death of Father_____ Age at death of Mother_____ Yes/No Yes/No Yes/No
31.Have you any anxieties and tension Yes/No At work: ______ At Home: ______ 32.Are you taking any drugs: Pain Relieving: Sedatives: Vitamins: Others: 33.List of major illness in the past: 34.List of surgical operations in the past:____________ 35.Any history of allergy: 36.List of accidents in the past: Yes/No ____________ Yes/No ______ How ______ ______ How ______ How often & what_____ How long & what______ long & what______ long & what______
ADDITIONAL QUERIES FOR FEMALES 37.Menstrual periods: 38.Has the change of life occurred: 39.Any vaginal bleeding: 40.Any pain or discomfort or coitus: 41.Any lumps in the breast: 42.Obsteric History: 43.History or oral contraceptives: ______ Yes/No Yes/No When______
Any vaginal discharge: Yes/No
Yes/No Yes/No ____________ ____________ How Long______ Which propn.____________ Signature________________
Date____________
EXECUTIVE HEALTH SCHEME INVESTIGATIONS 1. Complete Urinalysis 2. Stool examination (including for blood) 3. Blood Chemistry Blood urea Serum creatinine Serum calcium Serum phosphorus Serum alkaline phosphatase Serum acid phosphatase Serum amylase Serum proteins i) Total______ ii) Differential______ S.G.O.T. S.G.P.T. Liver Functions TestsSerum bilirubin Zinc turbidity Thymol turbidity Van Denberg Reaction Fasting Blood Sugar 2 hour post prandial blood sugar Serum uric acid Serum Cholesterol Serum electrolvts Serum sodium Serum potassium Serum chlorides 4. Haematology Hb T.L.C., D.L.C. & Peripheral blood film for M.P. B.T. C.T. R.B.C. Count E.S.R. Platelet count Prothrombin time & Index 5. Chest X-ray (May be undertaken by a qualified radiologist) 6. E.C.G. (May be done by the examining doctor) 7. Blood grouping (A B O & RH) 8. Any other Comments: Date____________ Signature of Doctor
STATE BANK OF PATIALA HEAD OFFICE, PATIALA EXECUTIVE HEALTH SCHEME PHYSICAL EXAMINATION (To be filled in by the doctor) Weight: Pulse: Temperature: Blood Pressure: Hair Nails: Skin: Oodema, if any: Lymph nods: Thyroid gland: Eyes: Pupils: Ears: Tongue: Teeth: Tonsils: Nose: Cardiovascular system: Respiratory System: Abdomen: Genitilia Locomotion system: Nervous system: Any Other:
Vision:
Glasses:
Hernia, if any:
Signature of the Doctor e. List of Pvt. Nursing Homes/Pvt. Hospital approved by the Bank at Patiala i) Saronwala Nursing Home, Patiala ii) Aggarwal Nursing Home, Patiala iii) Rajan Nursing Home, Patiala iv) Sandhu Nursing Home, Patiala. (Per Adm. Letter No.Per/10627 dt. 10.12.82 addressed to all Heads of Deptts & Branches at Patiala)
B. 1.
RESIDENTIAL ACCOMMODATION Regulations
(a) i) In terms of the instructions contained in Rule No.25(1) of SBOP (Officers) Service Regulations 1979, no officer is entitled as of right to be provided with residential accommodation by the Bank. It is, however, open to the Bank to provide residential accommodation to an officer on payment of 1.75% of the first stage of the scale of pay in which the officer is placed or the standard rent for the accommodation, whichever is less. ii)) A sum equal to 0.40% of the first stage of the scale of pay in which the officer is placed will be recovered by the Bank, if furniture is provided at the officers residence. In such residential accommodation, charges for electricity, water, gas and conservancy will be borne by the officer. (Cir.No.Per/38 dated 19.12.1998 and Per/15 dated 29.06.2005) (b) Provision of Official Accommodation: The following are the rental ceilings for providing residential accommodation to the eligible officers:- (Rs. per month)
RENTAL CEILINGS : w.e.f. 1.1.2011 up to SMGS and 1.4.11 for TEGS (per\09 dt. 30.5.11)
Grade Mumbai Rs. JMGS MMGS-II MMGS-III SMGS-IV SMGS-V TEGS-VI TEGS-VII
Car parking Society Maintenance charges
Delhi Rs. 15000 15000 18000 20000 22000 50000 55000 1000 1250
Major A* Centres Rs. 14000 14700 15400 16800 18200 30800 35000 1000 1250
Population 7.50 lacs & above(Rs.)
2 lacs to less than 7.50 lacs Rs.
C Other centres Rs. 4100 4400 4900 5200 5900 NA NA NA 300
20000 20000 25000 30000 35000 60000 65000 1000 1250
10100 10800 11100 12100 12800 18900 24300 600 925
5800 6200 6500 6900 7500 13000 18200 300 625
* Kolkatta, Chennai, Ahmedabad, Banglore, Hyderabad

**Vishakhapatnam,Patna,Vadodra,Kochi,Indore,Bhopal,Ludhiana,Coimbotore,Madurai,Agra,Varanasi -Leased accommodation at rental in excess of entitlement also to be sanctioned by same authority
- Advance rent for leased accommodation for 10 months at Mumbai
-Payment of brokerage for 2 months entitlement of rent at Mumbai and Navi Mumbai
-Leased accommodation for family upto MMGS-III anywhere in India, extended upto SMGSV -Rent on capital cost basis even if posted outside
-Ceilings for capital cost basis on the rates applicable to the place where house is constructed
-Rental Ceilings applicable to the centre where leased accommodation is provided -Lease from close relatives other than spouse is allowed (Per\8 dt. 30.05.2011).
Note : i)
The above ceilings are the outer limits set by the Bank and all efforts should be made to secure residential accommodation at lower rates where possible.
ii) The lease rentals of the accommodation already leased to the Bank should not be revised till the contracted period expires or lease is due for renewal and the enhancement is asked for by the landlord and is in accordance with the market rent prevailing in the locality. iii) The officers who have their own houses/flats constructed/purchased under the Banks Individual Housing Loan Scheme, at the centres where they are posted, should, as far as possible, occupy their own houses/flats. They may, however, be permitted leased accommodation, if they experience any difficulty in occupying their own houses. Further, if the particular assignment has a designated house, the same should invariably be occupied by the incumbent. iv) Under the Banks co-operative Housing Loan or Individual Housing Loan Scheme, it is incumbent on the part of the employees to offer the houses/flats constructed/purchased thereunder on lease to the Bank. It is imperative that the residential accommodation available under this arrangement should be effectively requisitioned and utilised. v) Flats/Houses already leased to the Bank by the employees/officers on economic rent basis should not be released except for the occupation of the employee concerned till the loan is fully liquidated. vi) The Premises & Estate Department at Head Office should draw up a list of residential accommodations already available (i.e. houses/flats of employees under lease to the Bank) and those to be requisitioned in future, including particulars of accommodation available etc. and allot this accommodation to the eligible officer. vii) The increase in lease rent allowed by various controllers should be reviewed every quarter. (Cir.No.Per/12 dated 15.06.2005) viii) The lease should be for a minimum period of 3 years and upto 5 years, preferably with an option for renewal for another similar term.
(Cir.No.Per/04 dated 18.4.96) ix) With a view to mitigate the hardship being faced by officers in
identifying suitable leased accommodation at the new place of posting on transfer, compensation/reimbursement of ex penses to the extent of 15 days of lease rent entitlement will be allowed, provided the leased accommodation is taken by the officer at the place of posting only. This will, however, not be available if the officer stays in Banks guest houses. (Cir.No.Per/19 dated 10.01.2005)
Provision of Leased Accommodation at a place other than the place of the Officers posting: Officers in Scale I to Scale III can be extended the facility of leased accommodation (not Banks own quarters/flats) at a place of choice, with a precondition that the officer himself will stay at the place of his posting and will not commute to the place where he has been provided leased accommodation for retaining his family, subject to the terms and conditions given belowi) An application-cum-undertaking on the prescribed format will be submitted by the officer who wants to retain his family at the place of his choice. ii) The officer availing this facility will be eligible for the lease rental ceiling applicable to the place of his posting or the place where the house is leased, whichever is lower. iii) If the officer opts for leased accommodation facility at a place other than his posting, he would not be eligible for guest house/Banks accommodation at his place of posting and arrangement for his stay at the place of posting will have to be made by him at his own cost/expenses. iv) All officers are required to stay at the place of their posting. As such, if any officer, who has been permitted to avail this facility is found to be commuting from his place of posting to the place where he has been provided the leased accommodation, the concerned controller (of the rank AGM or above) will withdraw the facility without giving notice and without prejudice to Banks right for initiating appropriate disciplinary action. v) In the event of an officer exercising the option of availing the facility of leased accommodation at a place of choice, he would be entitled for reimbursement of the actual traveling expenses in respect of self and family members and also the cost of transportation of household luggage to the place where he intends to have a leased accommodation. Such reimbursement will, however, be limited to his entitlement had he shifted his family and household luggage to the place of his posting. This facility will be available only once during one posting i.e. if the officer again wants to shift to any other place, he will have to do so at his own cost and expenses. vi) If a designated house is provided at the place where officer is now transferred and posted, he must occupy the same. While such officer can exercise his option for availing the facility of leased accommodation at a place of his choice, he will be subjected to recovery of usual rent for both the houses. vii) The facility of shifting the family to the place of choice is applicable only for leased accommodation and not for Banks own flat etc. The officer would be
required to vacate the Banks owned flat, if occupied at his previous place of posting; Banks owned houses/quarters at the place of choice shall not be made available to such category of officers. viii) The officer can exercise the option to carry the furniture to the leased residential accommodation to a place of choice permitted to be taken on lease by him and will be permitted to avail of the facility of reimbursement of maintenance expenses of furniture on production of receipts/bills or on certificate basis. If he opts to retain the family at the present place of posting and exercises the aforesaid option, the furniture will be allowed to be retained by him with the same benefits. The authority structure to permit the officers to avail the facility of leased accommodation at the place of choice will be as under:Sr. i) ii) iii) Officers upto Scale-III posted at Approving Authority Branches Concerned Controller (Minimum- AGM) Zonal Offices DGM of the Zone Head Office & its Establishments DGM (P & HRD)
The Bank may, at its discretion, permit officers in SMGS IV and V, the facility of leased accommodation at a place of their choice beyond the academic session on case to case basis, depending upon the merits of each case and if the circumstances so warrant. Such extension will be on the same terms and conditions as applicable to officers in JMGS I to MMGS III. The authority to grant permission to officers in SMGS IV and V for permitting leased accommodation beyond academic session would be vested with the Managing Director. The officers will be permitted to avail the facility only after they report at the proposed place of their posting and apply for the same. The power to withdraw the facility will also vest with the same authorities.
(Cir.No.Per/14 dated 22.09.2004) Reimbursement of Local Transportation Charges: In case the landlord gives notice for termination of the lease of the building and the officer has to vacate the house as a result, the reasonable transportation charges for shifting the household and furniture items will be reimbursed to the officer. Variance will be c onsidered by the General Manager concerned on case to case basis. (Memo No.Per/120 dated 24.03.2003)
The specimens for taking the house on leased accommodation by the officers and the application to be given by the landlord are annexed 1 & 2.
Requests of officers for retaining/occupying leased housing accommodation at the place of their choice will be considered on case to case basis depending upon the merits of each case, if the children of the officer are studying in such a class/course from whic h the migration is not possible to a school/college/university at the place of posting of the officer. (Memo No. Per/12 dt. 24.6.97) It has been decided to vest the Discretionary powers for allowing hiring of leased residential accommodation at rental i n excess of rent entitlement of officers concerned, to the authority who is empowered to permit hiring of leased accommodation to various officers. (Cir. No. Per/11 dt. 6.6.2003)
Annexure 1 To The ________________ _ State Bank of Patiala _____________________ Dear Sir, Building for Bank's Residential House at ___________________ I/we offer my/our House No.............. situated in .................. or portion of house No. .......... situated ................ ............ exclusively owned by me/us to your bank for the purpose cited as subject. The building/or the portion of the building offered having a separate and exclusive entry is provided with electric and water connections. The house is a one/two/three -storied structure. However, I/we offer the following accommodation at ground floor/first floor/second floor respectively for the exclusive use of the Bank : S.No. Ground floor First floor Second floor 2. The house or portion of the house (as per plan enclosed) referred to above will be let out to the bank on tenancy at will basis. The other terms of tenancy will be as under: i) I/we shall charge a rent of Rs..... .... (Rupees..........) inclusive of all taxes present and future those may be levied or leviable by any Government, Central or State, Statutory or Local authorities etc. The water and electricity consumption charges shall be borne by the bank/or the occupant on behalf of the Bank. Separate electric and water meters have been provided to record the consumption for the portion being offered to the Bank. I/we shall carry out repairs to building water pipes, electric installations as and when required and also carry out annual white -washing, distempering, polishing, painting etc. once in two years at my/our cost. In the event of my/our failure to do so, the Bank is authorised to get the same done and deduct the cost out of rent payable to me. I/we will also provide.......... ceiling fans and ........ geysers within the aforesaid rent. Particulars Size of rooms inner Area in dimensions Sq.ft./Sq.m.
(ii)
(iii)
(iv)
3. Kindly let me have your approval to the above terms at the earliest. No.......... Yours faithfully, Place : Date : Name (s) and address (es) of owner (s) house
Signature of owner (s) verified
Annexure 2 Estate Manager/RM-/ZM-/DGMState Bank of Patiala _____________________ Dear Sir, Provision of Official Residence Please find herewith a letter of offer from ___ ________________________, owner of house No. _________ situated in _________________________________ offering his/her house to the Bank on the Bank's usual terms and conditions. I hereby submit as under : 1. 2. The total covered, area is _______ Sq. ft. as detailed in the letter of other dated___________. The rent of Rs.__________ per month is inclusive of all taxes but is exclusive of water and electricity, sewerage consumption charge which shall be borne by me. The accommodation has separate entry and the house/portion is exclusive for the Bank, i.e., there is no interference from the land lord/land lady. There is a separate electricity and water -meter/sub-meter in the house. The accommodation is befitting my status and meets with all my requir ements. To the best of my knowledge and belief the landlord/landlady is not in the service of our Bank and even not related to me. I undertake to bear a sum of _______________ per month other than the standard deductions as per rules. An irrevocab le letter of authority in this regard is also enclosed. I further undertake that in the event of my transfer from this place or retirement or resignation from Bank's service or termination of my service by the Bank for what so ever reasons or on expiry of the period where for the Bank may allow me to retain the building at its absolute discretion or on being called upon by the Bank, I hereby undertake to hand over vacant possession of the building to the landlord or the bank, as the case may be, and in the event of my failure to do so I authorise the Bank to recover the rent of the building from my salary and or retiral benefits till such time I handover the vacant possession of the building to the landlord/Bank.
3.
4. 5. 6.
7.
I further, authorise the Bank that in t he event of non -compliance of Bank's instructions regarding vacating the building, the Bank may not, at its discretion, release the retiral benefits like Provident Fund, Gratuity etc. due to me, besides other remedies available to the Bank to evict me, and that I shall not demand release of such benefits till I handover the vacant possession of the building to the landlord/or the Bank. Yours faithfully
Place Date
Name Designation with scale Basic Pay Date of posting at the station
(c)
In case an officer continues occupying a house unauthorisedly even after the expiry of the period for which he was entitled/permitted (i) A notice to be served on the officer to vacate the residence within specified time limit failing which the entire rent may be recovered from the salary and allowances of the officer in addition to the usual recovery being made at the next place of posting without prejudice to any other action that the bank may decide to take. (ii) Eviction proceedings under public premises (Eviction of unauthorised occupants Act 1971) may also be considered. (iii) Undertaking to be obtained as per enclosure to Cir No. Per/87of 1984 Dt.10.10.84. (iv) An officer who has constructed a house at the place of pos ting with banks finance under the staff co -operative housing scheme is not eligible for leased accommodation in as much as he is expected to live in his own house. (v) An officer who owns a house at the place of his posting (the house may be ancestral or constructed out of his own funds) is eligible for leased accommodation. However, he cannot lease his own house to the bank for residential purposes for himself or for his kith or Kin. (vi) Where circumstances warrant, the bank may at its discretion permi t the officers to return the quarters provided by the bank at former place of posting for a limited period besides providing them with quarters if eligible at the transferee place subject to usual recovery of rent for accommodation at both the places. In that case Mid-academic transfer allowance will not be paid. (Cir. No. Per/116 of 1983 Dt. 23.8.83) (d) Leased Accommodation from the relations of officer The Bank will not take accommodation on lease from the following relations of the eligible officers for allotment to them:(i) Spouse (ii) Father (iii) Mother (including step-mother) (iv) Son (including step-son (v) Son's wife (vi) Daughter (including step daughter) (vii) Daughter's husband (viii) Brother (including step brother) (ix) Brother's wife (xi) Sister's husband (x) Sister (including step sister) (xii) Brother (including step-brother) of the spouse Cir. No's. Per/84 dt. 22.10.1984 & Per/11 dt. 22.1.1990
(xiii) Sister (including step-sister) of the spouse.
(e)
Provision of leased housing acc ommodation at rural centres As per memorandum No. Per/4241 dated the 17th August, 1995, the facility of keeping residential accommodation at a nearby station (within a radius of 5 to 10 kms) within the rental ceilings applicable to present place of postin g was extended to those officers who are posted in the branches situated at rural centres which though do not fulfill the criteria for being classified as 'difficult' centres and lack in basic amenities like suitable accommodation, medical treatment and ed ucational facilities. On reconsideration of the matter afresh, it has been decided that such officers may be allowed to acquire residential accommodation in other neighbouring towns on merits, provided adequate transportation facilities are available an d the stay arrangements do not disturb the working of officer in any way. In any case, the distance between the place of work and place of stay should not exceed 15 kms. Each case will be considered on merits and Chief General Manager will be competent authority. Personnel Deptt. letter No. Per./6213 Dt. 20.11.95 addressed to All Controlling Authorities Leased Accommodation to Officers posted at Rural Centres - Modifications (a) An officer posted to a rural centre as per RBI definition viz. with a population of 10,000 or less (1991 census) other than difficult centre, may be permitted to retain his family at a place of his choice. In case, he keeps his family at the previous place of posting, the rental ceiling applicable for that centre i.e. the p revious place of posting shall be applicable. An officer who wishes to keep his family at a place of his convenience other than the place of previous posting, shall be eligible for unfurnished accommodation within the rental ceiling applicable to his present place of posting, i.e., rural centre. Where the Bank's flat/leased housing accommodation provided at the previous place of posting to such an officer is required by the Bank and he is desirous of keeping his family at that centre, he may arr ange alternative accommodation within his entitlement applicable to that centre, i.e., the centre of previous posting; such accommodation will be unfurnished. An officer living in his own house and drawing house rent allowance on capital cost basis at the place of his previous posting, and who does not shift his family from that place, shall be permitted to continue to draw it on capital cost basis during his tenure at the rural centre. All officers who are permitted the above facility should ne cessarily stay at the place of their posting. Arrangements for stay at headquarters should be made by them at their own cost. In respect of officers who are posted as Branch Managers at rural centres where official residence earmarked for Branch Man ager is available, the officer shall occupy that house and rent will be recovered at the usual rate. Cir. No. Per/11 dt. 29.6.1999 & Cir. No. Per/28 dt. 29.9.1999
(b)
(c)
(d)
(e)
(f)
(g)
(h)
An officer living in his own house and drawing HRA on Capital Cost basis at the place of previous posting and who does not shif t his family f rom that place on his transfer to a rural branch, shall be permitted to continue to draw it on capital cost basis during his tenure of the rural centre. The House Rent Allowance on Capital Cost b asis will, however, not be admissible in case an off icer (transferred to a rural branch and permitted to retain his f amily at a place of his choice) shif ts his family to his own house built with Banks f inance at a centre other than the place of his previous posting.
(Cir.No.Per/28 dated 29.09.1999 and Per/7 dated 02.05.2001) 2. DIFFICULT CENTRES (a) Officers posted at centres categorised as 'difficult' can be allowed the facility of leased accommodation at the place of their choice within the rental ceilings as applicable to their place of posting or at a place of their convenience within the rental ceilings as applicable to C category centres. Further categorisation of centres as difficult is made in view of the situation prevalent thereat i.e., the ce ntres should qualify under 4 or more of the 8 parameters as laid down hereunder : (1) (i) High altitude above sea level resulting in hostile climatic conditions. (ii) High security risk arising from insurgency tribal hostility etc. as per government guidelines. (2) Public transport not at all available. (3) Potable drinking water not at all available and the distance from which and the cost at which it is provided. (4) (5) (6) (7) (8) Educational facilities even upto primary level not at all available. Basic essentials of life not at all available due to the absence of market and the distance from which these have to be procured. Medical facilities even for ordinary ailments not at all available. Residential accommodation not at all available. The branch being situated in a rural centre. Cir. No. Per/41 Dt. 8.8.91 & Memo No. Per/83 Dt. 16.2.94 The list of difficult centres is as under :
LIST OF CENTRES CATEGORISED AS DIFFICULT -------------------------------------------------------------- --------------------------------------S.No. Name of the branch District State Zone ----------------------------------------------------------------------------------------------------1. Alsindhi Mandi HimachalPradesh Chandigarh 2. Amlala Patiala Punjab Patiala 3. Atta Panipat Haryana Chandigarh 4. Awaha Devi Hamirpur Himachal Pradesh Chandigarh 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. Baddi Solan HimachalPradesh Chandigarh Chandigarh Patiala Patiala Patiala Bathinda Bathinda Chandigarh Chandigarh Chandigarh Bathinda Patiala Bathinda Patiala Patiala Patiala Badhlag Solan HimachalPradesh Badshahpur Patiala Punjab Bakshiwala Patiala Punjab Banbhora Sangrur Punjab Bangi Ruldu Bathinda Punjab Bareh Barmana Batel Behal Bathinda Punjab Bilaspur HimachalPradesh Solan Himachal Pradesh Bilaspur Himachal Pradesh
Behniwal Bathinda Punjab Benra Sangrur Punjab Bhalaiana Faridkot Punjab Bhasaur Sangrur Punjab Bhattiwal Kalan Sangrur Punjab Bhogiwal Sangrur Punjab
21. Boghdhar Sirmour HimachalPradesh Chandigarh ----------------------------------------------------------------------------------------------------S.No. Name of the branch District State Zone -------------------------------------------------------------------------------------- --------------22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. Buana Lakhu Burass Chananwal Panipat Haryana Punjab Punjab Chandigarh Patiala Patiala Chandigarh Chandigarh Chandigarh Patiala Chandigarh Patiala Patiala Bathinda Patiala Sangrur
Chhausha Solan Himachal Pradesh Dagrahan Bilaspur HimachalPradesh Dayori Shimla Himachal Pradesh Dehar Patiala Punjab Delgi Solan Himachal Pradesh Dharamgarh Sangrur Punjab Dhaula Sangrur Punjab Dhilwan Kalan Faridkot Punjab
33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 43. 44. 45. 46. 47. 48.
Domshar Solan Himachal Pradesh Doomerkhan Kalan Jind Haryana Donkalan Patiala Punjab Drawal Shimla Himachal Pradesh Duggan Sangrur Punjab Gangoli Jind Haryana Gaura Solan Himachal Pradesh Ghanauri Kalan Sangrur Punjab Gharwal Rohtak Haryana Ghushaini Gulzarpur Gurdit Pura Handesra Handiyaya Harnol Hassangarh Kullu Patiala Patiala Patiala Sangrur Himachal Pradesh Punjab Punjab Punjab Punjab
Chandigarh Chandigarh Patiala Chandigarh Patiala Chandigarh Chandigarh Patiala Chandigarh Chandigarh Patiala Patiala Patiala Patiala Chandigarh Chandigarh
Yamunanagar Haryana Rohtak Haryana
49. Hathwala Panipat Haryan a Chandigarh 50. Hathan Sangrur Punjab Patiala 51. Jabli Solan HimachalPradesh Chandigarh 52. Jagsi Rohtak Haryana Chandigarh 53. Jai Devi Mandi Himachal Pradesh Chandigarh 54. Jakhepal Sangrur Punjab Patiala 55. Jalalabad (East) Faridkot Punjab Bathinda 56. Jalaldiwal Sangrur Punjab Patiala ----------------------------------------------------------------------------------------------------S.No. Name of the branch District State Zone ----------------------------------------------------------------------------------------------------57. 58. 59. 60. 61. 62. 63. 64. 65. 66. 67. 68. Jalalpur Jand Mangoli Jibhi Jul Kalajhar Kalyan Sukha Kandroori Karloti Karsindhu Karyal Katron Khaltoo Patiala Patiala Punjab Punjab Patiala Patiala
Kulu HimachalPradesh Chandigarh Bhiwani Haryana Chandigarh Sangrur Punjab Patiala Bathinda PunjabBathinda Kangra HimachalPradesh Chandigarh Bilaspur HimachalPradesh Chandigarh Jind Haryana Chandigarh Ferozepur Punjab Bathinda Sangrur Punjab Patiala Solan HimachalPradesh Chandigarh
69. 70. 71. 72. 73. 74. 75. 76. 77. 78. 79. 80. 81. 82. 83. 84.
Khanpur Kharakpunia Khera Gajju Khizrabad Kungar Kurar Ladori Lehal Kalan Lohat Baddi Lohar Ghat Mandvi Manpura Mehlan Mehma Sarja Mohiuddinpur Morsinghi
Sangrur Punjab Patiala Hissar Haryana Chandigarh Patiala Punjab Patiala Yamunagar Haryana Chandigarh Bhiwani Haryana Chandigarh Kaithal Haryana Chandigarh Kangra HimachalPradesh Chandigarh Sangrur Punjab Patiala Sangrur Punjab Patiala Solan HimachalPradesh Sangrur Punjab Chandigarh Patiala
Solan HimachalPradesh Chandigarh Sangrur Punjab Patiala Bathinda Punjab Bathinda Karnal Bilaspur Haryana Chandigarh HimachalPradesh Chandigarh
85. Muddi Chhuri Maran Ferozepur Punjab Bathinda 86. Mullowal Sangrur Punjab Patiala 87. Nadampur Sangrur Punjab Patiala 88. Nakpur Bhiwani Haryana Chandigarh 89. Navgaon Solan HimachalPradesh Chandigarh 90. Olinda Bilaspur Himachal Pradesh Chandigarh 91. Panog Sirmour HimachalPradesh Chandigarh -------------------------------- --------------------------------------------------------------------S.No. Name of the branch District State Zone ----------------------------------------------------------------------------------------------------92. 93. 94. 95. 96. 97. 98. 99. 100. 101. 102. 103. 104. Pujarli Ramthali Ranwar Ronhat Saha Sai Sanawar Sanghoa Sanyana Shambhu Kalan Shatrana Sheikhpura Sidhbari Shimla HimachalPradesh Haryana Haryana Chandigarh Chandigarh Chandigarh Chandigarh Chandigarh Chandigarh Chandigarh Chandigarh Chandigarh Patiala Patiala Bathinda Chandigarh Kurukshetra Karnal
Sirmour HimachalPradesh Ambala Haryana Solan HimachalPradesh Solan HimachalPradesh Karnal Haryana Hissar Haryana Patiala Punjab Patiala Punjab Bathinda Punjab Kangra HimachalPradesh
105. 106. 107. 108. 109. 110. 111. 112. 113. 114. 115.
Sillihari Singho Swahan Tatta Pani Timbi Tungwali Ubhewal Uppli Virk Kalan Wander Jattana Wasani
Solan HimachalPradesh Bathinda Punjab Bilaspur HimachalPradesh Mandi HimachalPradesh Sirmour HimachalPradesh Bathinda Punjab Sangrur Punjab Sangrur Punjab Bathinda Punjab Faridkot Sirmour
Chandigarh Bathinda Chandigarh Chandigarh Chandigarh Bathinda Patiala Patiala Bathinda
Punjab Bathinda Himachal Pradesh Chandigarh
(Cir. No. Per/45 dt. 9.2.94) New centres as advised by Planning Deptt. to be added.
3. ENTITLEMENT OF OFFIC ERS POSTED IN DIFFICULT CENTRES BUT RETAINING THE OFFICIAL RESIDENCE AT THE PLACE OF THEIR PREVI OUS POSTING Where the leased housing accommodation provided at the previous place of posting is required by the Bank and the officer is desirous of keeping his family at that centre, he may arrange alternate accommodation within his entitlement applicable to that centre (and not within the entitlement applicable to his present place of posting). If an officer wants to keep his family at a place of his convenience, he may arrange accommodation threat within the entitlement applicable to 'C' category centres. (Cir. No. Per/38 of 1994-95 dt. 18.10.94) PAYMENT & CALCULATIO N OF STANDARD RENT
(i)
(ii)
4.
In terms of Regulation 22(3) of SBOP (Officers) Service Regulations 1979, where an officer is provided with residential accommodation by the Bank, he is required to pay to the Bank every month 1.75% of the basic pay in the first stage of the scale or the standard rent for the accommodation which ever is less. The explanation at the end of the Regulation 22 of the (Officers) Service Regulations 1979 provides that for the purpose of these provisions, standard rent shall mean : (i) In the case of any accommodation owned by the bank, the standard rent calculated in accordance with the procedure for such calculation in vogue in the government. Where accommodation has been hired by the bank, the contractual rent payable by the Bank.
(ii)
Thus in cases where the officers of the bank have been provided with residential accommodation owned by the bank, the recovery should be made at the standard rent calculated in accordance with the procedure for such calculation in vogue in the government or the 1.75% of the basic pay in the first stage of he scale which ever is less. Memo No. Per/24 dt. 3.7.95 Cir. No. Per/89 Dt. 20.9.88, Per/16 Dt. 2.3.89, Per/42 Dt. 8.8.91 and Per/15 dated 29.06.2005
Norms for measuring living area and computation of standard rent are as under :
ANNEXURE - A NORMS FOR MEASURING 'LIVING AREA' MAIN BUIDING (a) Rooms, Kitchen, Bath, Laterine, Store and enclosed Varandah. 100% of the floor area (b) Varandah, Corridors and barsati 25%-do(c) Porch (d) Court-yard pucca OUT HOUSES (a) Rooms (b) Varandahs Living Area (Sq.Metres) 51 to 60 61 to 75 76 to 90 91 to 105 106 to 120 121 to 150 151 to 180 181 to 225 226 to 300 301 to 400 401 to 550 Beyond 550 12%-do5%-do25%-do12%-do-
COMPUTATION OF STANDARD RENT Standard Rent per month (Rs.) upto 50 113/135/157/209/252/296/ 362/433/ 510/728/901/ 1073/1250/of the regular
For servant quarters and garage, allotted independent accommodation, the following flat rates may be recovered. (a) (b) Servant quarter Garrage Rs. 17/Rs. 10/-
Cir. No's. Per/16 of 1989 dt. 2.3.89 Per/42 dt. 8.8.91 Per/38 dt. 19.12.98
ANNEXURE B The Branch Manager/Department Head, State Bank of Patiala ______________________
Dear Sir,
Flat/House No. ........................................ ..... ........................................ ..... ........................................ .....
I have been provided by the Bank leased housing accommodation as above. 2. In this connection, I forward herewith enclosure. I, am showing On the existing
particulars of "living area" in the ac commodation provided to me. basis thereof, standard rent in accordance with the
provisions/instructions, comes to Rs. ............ per month. 3. I shall be glad if standard rent as above is fixed for the accommodation
provided to me and re covered/adjusted from my salary accordingly.
Yours faithfully, Place : Date : (Name of the officer) (Designation/Grade/Scale)
FORMAT FOR SANCTION OF STANDARD RENT
1. 2. 3. 4.
Name of Officer: Grade/Scale: Contractual monthly rent paid by the Rs................... Entitlement of officer for leased housing accommodation: Rs................... (i.e. maximum permissible ceiling) Amount of standard rent chargeable on th e Rs................... of particulars furnished by the officer (copy enclosed) (Here Branch Managers/Deptt. Heads will enclose a copy of particulars as Annexure 'B' submitted by the Officer) Date from which standard rent is applicable. The particulars furnished by the officer, regarding the living area of the accommodation hired by the Bank have been verified and found to be correct. bank:
5.
basis
6. 7.
Recommended for sanction
Sanctioned Branch Manager/Departmental Head Zonal Manager/Office r Manager (Cir. No. Per/16 of 1989 dt. 2.3.89)
COMPUTATION OF STANDARD RENT FOR ACCOMMODATION HIRED BY THE BANK
(A) MAIN BUILDING (a) Room(s), Kitchen, Bath(s), latrine(s), Store and enclosed verandah (b) Verandah, corridors and Barsati (c) Porch (d) Court-yard Pucca (B) OUT HOUSE(S) (a) Room(s) etc. (b) Verandah(s)
100% of floor area 25% of floor area 12% of floor area 5% of floor area 25% of floor area 12% of floor area
Sq.m. Sq.m. Sq.m. Sq.m. Sq.m.
Sq.m. Total eligible area Sq.m. Standard rent chargeable on the basis of eligible living area worked out aboveRs...................................
I certify that the above particulars in respect accommodation provided to me by the Bank are correct.
of
the
residentia l
Place : Date :
Signature_____ Name of Officer : Designation : Grade/Scale : Cir. No. Per/16 of 1989 dt. 2.3.89 & Cir. No. Per/42 dt. 8.8.91
House Rent Recovery Standard Rent at 1st Stage of Scale 1.75% Furniture Rent Recovery 0.40%
at
1st
Stage
of
Scale
6. (a)
(b)
NORMS FOR ACCOMMODATION In acquiring houses/flats, preference should be given by the Bank for houses built under the Bank's scheme for financin g staff co-operative Housing Societies including those under the individual loans irrespective of the fact that such houses belong to Supervising or Award Staff. The rent for such houses/flats will be paid on the basis prescribed under the Bank's scheme. (Cir. Per/57 dt. 24.11.80) Residential Accommodation in the Branch Premises
In circular No. Staff/82 of 1973 dated the 14th May 1973, it was stated that if the officer considered the residential accommodation provided to him in the branch premises itself as sub-standard, he could make his own arrangements after obtaining Head Office approval and draw house allowance in the usual manner. It was further stated that once the residential accommodation was so surrendered, it would not be available to him or his successor thereafter unless the Bank so decides subsequently. 7. PROCEDURE FOR APPROVAL OF ACCOMMODATION The proposals for the provision of residential accommodation to eligible officers complete in all respects and strictly according to the norms should be submitted by the branches to their respective controlling authorities and for the officers posted at Head Office to the Office Manager for final approval. The amount of monthly rent for the house to be taken on rent, along with a certificate to the effect that the rent quoted is reasonable and competitive for similar type of construction prevailing in the same vicinity may also be given in the proposal recommending the hiring of the house by the Bank. (Cir. Per/57 dt. 24.11.80) The discretionary power to allow leased accommodation over and above the entitlement of the officer will vest with the authority who is empowered to permit hiring of leased accommodation to various officers. (Cir.No.Per/11 dated 06.06.2003) 8. (a) DEDUCTIONS FROM SALARY ON ACCOUNT OF RESIDENTIAL ACCOMMODATION PROVIDED TO THE OFFICER In terms of Regulation 25 of the SBOP (Officers) Service Regulations 1979, it shall be open to the Bank to provide residential accommodation on payment by an officer of 1.20% of his f irst stage of scale of pay or the standard rent for the accommodation, whichever is less. Further, wherever possible, the Bank may, at its discretion, provide essential furniture in the house provided by the Bank subject to the recovery of a monthly rental of 0.25% of his initial stage of pay. Where the bank premises and official quarters are situated in the same building and covered by the same lease, the Bank may determine the rent for the space used for office purposes on the basis of commercial re nt
(b)
applicable at such places. The rent for the quarters could, thereafter, be determined by deducting the commercial rent payable for office premises from the leased rent. Since there may be difficulty in apportioning the rent actually paid for the office premises and residential quarters on the above basis, to place the matter beyond doubt, it has been clarified that where a combined lease is taken for office and residential purposes, the ratio between the commercial rent and residential rent per square foot should be determined and thereafter rent for office premises and residence should be calculated in relation to the area occupied by each. The formula for calculating the standard rent will be as under: A = ratio of area occupied for office to resi dence. ratio of commercial rent to residence per sq. ft. area of residence. rate of rent for residence. rent for residence rent for office (XY + ABXY) = (AB + 1) = Lease rent. Two examples of calculation of standard rent on the basis of aforesaid formula are also given herebelow for, guidance. Example I : If lease rent Rs. 800/- p.m. And area for office 1,000 sq. ft. And area for residence 800 sq. ft. A i.e. ratio of area for office to residen ce If rate of commercial rent is Rs.3/ -persq. ft. And rate of residence is Rs.1.25persq. ft. 10/8 B X Y XY ABXY = = = = =
B i.e. ratio of commercial rent to residence rent 3/1.25 Now (AB + 1 ) (XY) = Lease rent = Rs. 800/XY = 800/(ab+1)=800+(10/8x3/1.25+1)=2 00 And ABXY = (200x10/8x3/1.25)=600 Accordingly, standard rent for residence will be Rs.200/ - P.M. and rent for office will be Rs.600/- P.M. Example II : If lease rent Rs. 300/- p.m. And area for office 800 sq. ft. And area for residence 400 sq. ft. A i.e. ratio of area for office to residence If rate of commercial rent is And rate of residence is 8/4 Rs. 2/- per sq. ft. Rs. 1/- per sq. ft.
B i.e. ratio of commercial rent to residence rent 2/1 Now (AB + 1 ) (XY) = Lease rent = Rs. 300/XY = 300/AB+1=300+(8/4x2/1+1)=60 And ABXY = 60x8/4x2/1=240 Accordingly standard rent for residence will be Rs.60/ - P.M. and rent for office will be Rs.240/- P.M.
9.
MAINTENANCE COST OF ACCOMMODATION TAKEN FROM STAFF ON RENT The bank will carry out the same type of distempering which the landlord had carried out while leasing the premises to the Bank (this will not include the application of plastic emulsion paint which is very costly.) The periodicity of white-wash/distemper will not be earlier than 2 years for white wash and 4 years for distempering from the date of previous white washing/distempering. However if the condition of the flat/bungalow is all right, the distempering may be done on completion of, say 5 years depending upon the merits of each case. (Cir. No. Per/37 dt. 4.1.94) 10. PAYMENT OF BROKERAGE (a) 30 days of rent in Metropolitan cities and Major A class cities. (b) 15 days of rent at other deserving centres where the practice is prevailing against production of receipt from a regular broker engaged in this business. The broker should issue a valid receipt on his letter head with complete address. (Cir. No. Per/47 dt. 22.1.96) 11. FACILITY OF ADVANCE RENT/SECURITY DEPOSIT Centres Period for allowing advance rent/ security deposit (i) Bangalore and Chennai 10 months rent (ii) Other metropolitan centres (iii) All state capitals & Pune, (iv) (v) Nagpur, Kanpur & Baroda Other centres Mumbai 4 months rent 2 months rent Not more than one month rent. 10 months rent (Cir. No. Per/4 dt. 8.4.2003) (Cir. No. Per/62 dt. 14.2.95) 6 months rent (Cir. No. Per/04 dt. 18.4.2001)
(vi)
Coimbetore (Per/41 dated 23.2.1999)
12. VACATION OF OFFICIAL RESIDENCE ON TRANSFER (a) No officer should keep in his possession the official residence or any portion thereof after relinquishing charge of his office. Violation of these instructions will be dealt with as an act of indiscipline. Moreover, rent of the full accommodation for full months will be charged from the outgoi ng officer even if portion of the official residence is occupied for a single day after his relinquishing charge of the office. (Cir. No. Per/28 dt. 5.8.76)
13. TRANSFER IN THE MIDST OF ACADEMIC YEAR When however an officer is transferred from one plac e to another in the midst of an academic year, he can be allowed to retain the official residence at his previous place of posting in deserving cases. It has been decided to extend the facility of retention of official accommodation at the previous place of posting on case to case basis upto the end of the academic session in case of education of children. Request for retention of leased accommodation should invariably be made in the Joining Report. The following is the authority structure for allowing su ch retention: (i) For officers posted in Head Office Category of Officers Period Involved Scale I to V Upto 4 months Scale I to V beyond 4 months to 6 months Scale VI to VII Upto 4 months Scale VI to VII Scale TEGS I Beyond 4 months Any period that may
Competent Authority General Manager Chief General Manager Chief General Manager Managing Director Managing Director
be considered desirable (ii) For officers posted in branches Scale I to V Scale I to V Upto 2 months Beyond 2 months upto 4 months Scale I to V beyond 4 months to 6 months Dy.General Manager General Manager Chief General Manager Cir. No. Per/83 dt. 20.12.91 & Per/1 dt. 8.4.96
Retention of Residential Accommodation after Retirement/on Transfer Retention - on Retirement at all Centres : The designated houses meant for BMs/AGMs/DGMs/GMs/CGM etc. must be vacated within 15 days. Retention of house other than designated house will not be permitted beyond 2 months. Retention on Transfer: For officers upto TEGS - scale I, guidelines for retention of Banks flats beyond 2 months at Mumbai - May be allowed for a period of 15 days. Extensions not beyond 3 months in total may be considered in cases of extreme hardships provided the officer agree to shift at own expense to one of the eligible and available flat at Borivili. At other Metro Centres : An officer may be permitted to retain Bank's flat for a period not exceeding 3 months or upto the end of current academic year whichever is earlier on Deputation on Mobile duty to Inspection/Audit. The officer will not be allowed to occu py the Bank's flat at Mumbai and other metro centres and will make arrangement to secure leased accommodation. (Cir. No. Per/39 dt. 13.1.99) However, the facility of retention of leased residential accommodation/Bank's flat is not available to officers le aving the bank on voluntary retirement. (Cir. No. Per/50 dt. 26.3.99) 14. VACATION OF RESIDENTIAL ACCOMMODATION (i) Vacation of Residential Accommodation by Officers proceeding on study leave Officers proceeding on study leave are usually away for a lon g period of one to two years or more. They should make their own arrangements for the stay of their families during their absence or shift the families to their home towns. In such cases also, it is not desirable to block the residence for such long periods which should, by and large, be available only for serving officers in the area whose needs will be have to be taken care of without hindrance at any point of time. (Cir.No. Per/24 of 1982 dt. 20.4.82) (ii) Vacation of Residential accommodation after resignation by the officers (a) In terms of Service Regulations, an officer who desires to resign from the Banks service is supposed to give 3 months notice to the Bank. It is expected that the officer should make his own arrangements for his alternative accommodation within the notice period. In such cases, there is no justification to allow them to retain the residential accommodation after the date of resignation. (b) When an officer resigns and the notice period is partly or wholly waived, it would be his responsibility to make proper arrangements for his future stay before deciding to quit the bank. In such cases also, there is no justification to allow him to retain the residential accommodation after the date of resignation. (Cir. No. Per/24 of 1982 dt. 20.4.82)
(iii) Vacation of Residential Accommodation on extra ordinary leave on loss of pay In the case of officers on extra ordinary leave on loss of pay other than on medical grounds, steps should be taken to have the residence vacated once it becomes clear that the officer is making arrangements to quit the bank. Where medical grounds are involved, each case may be reviewed on its merits by the Managing Director. (Cir. No. per/24 of 1982 dt. 20.4.82) (iv) Vacation of Residential accommodation after death of an officer Requests from the dependents of the deceased officer may be considered sympathetically as it is not desirable to fix anytime limit. For the purpose, requests for the continuance of the residential accommodation upt o the end of the current academic session of the school/college going children of the deceased officer may be acceded to. (Cir. No. Per/24 of 1982 dt. 20.4.82) (v) Approval of Accommodation (Cir. No. Per/57 dt. 24.11.80) The proposals for the provision of residential accommodation to eligible officers complete in all respects and strictly according to the norms should be submitted by the branches to their controlling authorities and for the officers posted at Head Office to the Offi ce Manager for final approval. Authority to allow hiring of leased accommodation at rental in excess of the rent entitlement has been vested with the authority who is empowered to permit the hiring of the leased accommodation. (Cir.No.Per/11 dated 06.06.2 003) 15. PROVISION OF OFFICIAL RESIDENCE TO AN OFFICER DURING THE PERIOD OF SUSPENSION Regulation 697 (ii) of SBOP (Officers) Service Regulations 1979, reads as under: During the period of suspension, an officer may, subject to such guidelines as decided by the Managing Director, be allowed occupation of such official accommodation as may be decided by the bank but shall not be entitled to free use of the Bank's car or receipt of conveyance or entertainment allowance or special allowance. (Cir. No. Per/18 of 1996 dt. 10.6.96) The following guidelines should be adhered to: (i) If the suspended officer is residing in the Bank's leased residential accommodation, he would be left undisturbed. (ii) If the officer is residing in a designated flat/house allo tted to him by virtue of his position as Branch Manager or incumbent of any other post, he should shift to an alternative leased accommodation. (iii) If the place of residence is Bank's own house/flat, the suspended official should shift to a leased house or to an alternate accommodation as Bank flats are in short supply and there would be long waiting list of incoming officers. (iv) The recovery on account of provision of the accommodation will be as per rules, as if the official was in active service.
v)
Recovery on account of House Rent and allied charges like electricity, water, furniture etc., where such facility is provided by the Bank, can be deducted from the subsistence allowance payable to the officer under suspension. (Cir.No.Per/32 dt.23.1.04)
(v)
The furniture/fixtures already provided in the said house will not be withdrawn and usual rent will be recovered. However, if a new leased accommodation is taken, the same will be furnished with essential furniture only. (vi) The rental ceilings will be as per the place of stay. (vii) The following facilities will also be allowed to the officers under suspension: (a) (b) (c) Residential telephone, if any, will not be withdrawn and may be continued on the same terms as in active service. Cleansing materials for upkeep of furniture and fixtures as per rules. Reimbursement of casual labour charges as per rules. (Cir. No. Per/39 of 1996 dt. 14.8.96)
C.
PROVISION OF FURNITURE & FIXTURES AT RESIDENCES
REPLACEMENT\REPAIR OF FURNITURE\FIXTURES (Cir. No. Per\71 dated 14.2.97) 1. Maintenance\repair charges will be paid once in a year in the month of January . No carry forward is allowed.*Annual lump sum amount to be paid in full to those officers (JMGS to SMGS)who avail furniture to the extent of 50% or more of their entitlement and no amount is payable to those who avail less than 50%(Per\8 dt. 12.7.08) Ist payment will be made only if January falls 9 months after purchase of furniture
2. Furniture \fixture will be replaced after 10 years. All electronic and electric consumer items and equipments running on electricity except physical health equipment to be replaced after 5 years. Mattresses, curtains and inverter battery to be replaced after 3 years. 3. In case of unfortunate death of officer, no recovery from family. 4. Insurance to be paid by Bank 5. Curtains within overall ceiling to be replaced after 3 years. (Per\22 dt.19.2.09) 6. The officer will have to utilize 50% of overall entitlement on furniture items 7. At the time of retirement, if the items are old than 5 years, no cost to be recovered and in case the period of 5 years from the date of purchase is not complete, book value to be recovered. 8.. Electronic Items, Mattresses that are three years old and Curtains, Inverter battery being consumable item may be given to officer free of cost at the time of retirement and depreciated book value thereof will be written off.
ENTITLEMENT
FURNITURE & FIXTURES AT RESIDENCE : (Per\25 dated 26.02.07 & Per\8 dt.24.5.07) Category Amount Annual Curtains(with Furniture Items: Sofa set, Central in overall cost of Table, Show Case, Single Bed (4), (excluding repair Table, Dining Chairs(6), furniture & Dining taxes) charges Fixture) Writing Table &chair, dressing table , ( in Ironing Table with Iron, Invertor, Jan) Computer Table & Chair, Kitchen rack, RO System\water purifier, JMGS * 90,000 9,000 9,000 MMGS SMGS-IV 1,00,000 1,10,000 10,000 11,000 10,000 10,000
SMGS-V
TEGS VII
1,75,000
12,000 By Bank
15,000 Included in the ceiling
Fully automatic washing machine, refrigerator(any size), mixer grinder, vacuum cleaner, LCD TV of any size, TV trolley, Set Top Box, OTG or Microwave Oven, Room Heater, Meat Safe, Garden Chairs(4), Bed Side Table(2), AC(any size) , Laptop/Notebook, DVD \VCD \ Home theatre, Sofa-cum-bed, tel. table, carpet , Shoe rack Fixtures: Ceiling fan (4), Tube Light(6), Chandelier(1), Geyser (1), Steel Almirah (2), Air Cooler (1), Morning Walker, Foot Massager (Per\8 dated 29.05.2010) +Cooking range, dish washer, wardrobe, wall unit, Kitchen Chimney hub, Food Processor
Detail of items & other conditions Cir. Per\ 16 dated 24.07.2007(LCD 32, Washing machine 7 Kg)
VI- 4.00,000
Curtains: Replacement after 3 years Dry cleaning every 6 months (Per\9 dt.14.7.2008)
Clause for minimum furniture removed (Cir. Per\28 dt.31.8,.2002)*(Eligibility:All confirmed officers) Furniture to eligible officers residing in ancestral\house built without bank finance Per\54 dt.18.3.02
OTHER ITEMS AVAILABLE :

Emergency 1* SMGS 1150/MMGS\JMGS 750/Per\3 dt.18.4.01,Per\19 dt. 6.9.03 ( 7 yrs) Hand Blender\Electric toaster Cost Rs.1000\-(life 3 yrs) Per\ 50 dt. 31.3.2006 Table lamp 1 ceiling Rs.500/Per\3 dt.04.05.1999 Plastic bucket, mugs, dustbin, water container Rs.1100\- p.a. Cir.Per\35dt.14.12.05,Per\30 dt.22.3.10 (on certificate basis) Mosquito net/ terminator 4 Ceiling Rs.2000/- Once in 3 yrs Per\78 dt.22.3.97,Per\4 dt.9.4.02 CFL tubes 2
Cost Rs.350/- each (life 5 years) Per\1dt.12.4.01& Per\9 dt.23.4.02
Refer Circular No. Per/46 dated 4.10.96,Per/3 dt. 4.5.1999,Per\1 dt.12.4.2001, Per/4,5,6 dt.9.4.2002 and Per/10,11 dt.23.4.2002 , Per\3 dt. 8.4.03 Per\24 dated 14.11.2003 Per\20 dt.16.9.05)
Reimbursement of disinfecting Material
(Refer Cir. Per/27 dt 13.12.2003 Per\ Per\ 14 dt.22.06.07) JMGS Rs.600/-MMGS Rs.750\- SMGS-IV Rs825./- SMGS-V Rs.975/- TEGS Rs.1200\- p.m.
Repair\Replacement of Invertor Battery Rs.9000/- once in 3 yrs (Per\22 dt.19.02.09

Purchase of Furniture at the time of retirement : (Per\8 dated 12th July 2008) a) items with more than 5 years of age - Free of cost b) items with more than 4 years of age - at 20% of the original cost c) items with more than 3 years of age - at 40% of the original cost d) items with more than 2 years of age - at 60% of the original cost e) items with more than 1 years of age - at 80% of the original cost f) items with less than 1 years of age - at 100% of the original cost
(Memo ANo.Per/8 dated 08.05.1997)
ENTERTAINMENT/SUNDRY EXPENSES & MEMBERSHIP OF CLUBS

dt.27.12.06, Per/36 dt 31.03.10 BMs (Sund ry expen ses)
1600 2500 3000 3500 4000 4550 -
ENTERTAINMENT EXPENSES REIMBURSEMENT (P.A.): (Cir No. Per\22 ) Scale Officers Other Officers on Sundry with Officers not operational expenses for Budgetary covered in assignments other officers at Assignment (1) or (2) ** (2) HO \ZO \ Other (1) (3) establishments
JMGS MMGS-II MMGSIII SMGS-IV SMGS-V TEGS-VI TEGS-VII 11050 13150 15800 19300 21900 34600 35500 5350 6750 7050 8400 9750 19600 24500 10150 12250 14600 17850 20250 1200 1800 2400 3000 3700 4500 6000
Other Officers, MOD, LBOs, Distt. Co-ord, & RDMs, Relationship Managers Sundry expenses)
1500 2000 2500 3000 3500 -
*Officers posted as LBO/DCO/FO/ACCTT/other confirmed officers/confirmed specialist officers
**Officers of all scales in Operational assignments like Field Officers, Accountants, Cash Officers, Lead Bank Officers, District Co-ordinators, Credit Officer (RuralCPC), Customer Support Officer (Support Officer to RM ME), Relationship Manager (Personal Banking branches New business department outfit) Sr. Marketing Executives (HLST), Team Leader (MPST), City Case Officer (SARC), CPC Team Leaders, Credit Analyst, COO in MCG / CAG and at other DGM headed branches, Case Lead Officers, Recovery and Rehabilitation officers at SAMBs, Customer Relation Officer (in redesigned branches) Relationship Manager (NRI) other BPR Role Holders etc. - Sundry entertainment expenses reimbursement @Rs2700\- p.a. to officers on probation IRD\2 dt10.10.08 (Cir. No. Per/102 of 1991-92 dt. 3.3.92)
2. (a)
MEMBERSHIP OF CLUBS ETC. "All Branch Managers, Managers of Divisions, Lead Bank Officers, District co-ordinators and Officers in SMGS -IV, V and TEGS-VI are permitted to become members of a club. The membership subscription payable as a consequence thereof is paid by the Bank by debit to Bank's charges Account Miscellaneous. However, admission fee and subscription to local Bank Managers/Bankers Club is paid by the Bank separately depending on the merit of each case to be decided by the General Manager and for any other social clubs and professional institution by the Chief General Manager. However, officers in the rank of Dy. General Manager and above may take corporate membershi p of one club located at Patiala/Chandigarh/Delhi and such officers availing of the facility of corporate membership will not be eligible for reimbursement of admission fee." (Cir. No. Per/102 of 1991-92 dt. 3.3.92) The admission fee not exceeding Rs.1 000/- will be admissible to the eligible officials. Further the membership subscription upto a ceiling of Rs.1000/- p.a. will be allowed to such officials and the remaining amount, if any, would be borne by the officer or claimed through his personal entertainment quota. (Cir. No. Per/20 of 1993-94 dt. 4.8.93) For Branch Managers, the entrance fee for club membership has been enhanced to Rs.2000/-. (Cir.No.Per/30 dated 21.01.2004)
(b)
(c)
(d)
Bank has delegated the powers for reimbursement of admission and subscription fee for Local Managers/Bankers Club to General Manager concerned and for any other Social Clubs and Professional institutions to the Chief General Manager. (Cir. No. Per/38 of 1989 dt. 29.4.89) Further, once an officer becomes eligible to be a member of a club in terms of existing guidelines, he/she may continue tobe allowed the facility even after any change in his assignment. (Cir. No. Per/34 of 1996 dt. 12.8.96)
F.
PREFERENTIAL INTEREST RATES ON DEPOSITS
1. Regulation 30 of SBOP (Officers) Service Regulations 1979 provides as under: "The Bank may allow one percent additional rate of interest over its ruling rate of interest on term deposits, savings deposits and recurring deposits in the name of an officer individually or jointly with any member of his family." The undernoted concessions in regard to payment of interest on deposits will be allowed to the present and retired employees to meet their personal requirements:
(a) (i)
Nature of Accounts and Rate of Interest Term Deposits 1% p.a. above the current rate of interest allowed to the public on Term Deposit A/cs Savings Accounts 1% above the current rate of interest to the public on Savings Accounts.
allowed
Cir. No's O&M/1 of 1977dt. 1.1.77 & Per/67 of 1985 dt. 29.5.1985 (ii) Employees/ex-employees may be permitted concessionary rate of interest i.e. 1% above ruling rate on non -convertible savings/term deposit accounts opened only in their individual names against foreign e xchange receipts for priority allotment of scooter/cement etc. (Cir. No. O&M/1 of 1981 dt. 3.1.81) (b) Limit of deposits (i) Deposits must represent the employee's bonafide savings, such as, the employee's current savings equivalent to three years' substa ntive pay. However, in cases where the deposit exceeds three year's substantive salary of the employee concerned, the above noted concessionary rate of interest may be allowed with the prior permission of Head Office in each case. (ii) In the case of retired employees, the permissible limit upto which deposits would be eligible for higher rates would include bonafide savings upto the limit applicable to substantive pay drawn at the time of retirement. However, the relaxation granted in (a) above may also be applied similarly in deserving cases to retired employees. (iii) In addition, payment of higher rate of interest on moneys deposited by the employees representing proceeds of Life Insurance policies, Provident Fund moneys, unutilised balance of pensio n funds, gratuity, etc. which amount also represents accrued savings and/or ex -gratia payment made by the Bank to the employees can also be considered by the Managing Director. (iv) For the purpose of arriving at the aforesaid limit interest accrued on th e deposit account need not be taken into account. (v) A declaration as per specimen given below should be obtained from all the employees/ex-employees maintaining their deposit accounts, either singly or jointly.
SPECIMEN OF DECLARAT ION Place :..................... Date : ..................... The Branch Manager, State Bank of Patiala, ................................ Dear Sir, With reference to my Savings Account(s) No. ................../Term Deposit Receipt(s) No................., I declar e that the moneys deposited in the above account/represented by the above receipts or which may, from time to time be deposited into such accounts, are and shall be money belonging to me. Yours Faithfully, (.......................) (f) The declaration referred to above should be preserved in a separate file in the branch. Cir. O&M/1 of 1977 dt. 1.1.1977 O&M/63 dt. 26.2.77, RD/13 dt. 21.3.77 & RD/37 dt. 1.9.76 2. (a) Style of Account Concessionary rate of interest is payable only when the accounts are maintained by him/her in his/her individual name or jointly with his/her spouse or with his/her dependent minor child. (Cir. O&M/63 dt. 19.12.80 and O&M/49 dt. 31.10.79) (b) Concessionary rate of interest is not to be allowed on accounts in the names of minor under guardianship, of his/her parent, who is employee/ex -employee. (Cir. O&M/5 dt. 4.2.81) 3. Accounts opened before joining the service in the Bank Concessionary rate of interest is not to be allowed on the deposit, made by any staff member prior to his entry in the bank. However, in case of savings account concessional rate may be permitted from the month of his/her joining service, the balance being subject to the limit stipulated above. (Cir. O&M/5 dt. 4.2.81) 4. Deposits from widows of ex-employees The concessionary rate of interest is also allowed on deposits from widows of ex-employees provided a suitable declaration from the widow is taken stating that the monies deposited by her are her own monies & originally belonged to the deceased staff member. (Note 1 (c) Appendix II, Ch. IBBOI) 5. Deposits of staff on deputation The concessionary rate of interest may be allowed on accounts of staff on deputation with the Bank. Such accounts will be subject to the same terms and conditions as applic able to the accounts of regular employees and concession will be withdrawn at the expiry of the deputation period. (Cir. BR/Gen/67 dt. 26.8.72)
**********
CHAPTER 5 LEAVE RULES

A. LEAVE ADMISSIBLE TO OFFICERS
Rule No. 31 of SBOP (Officers) Service Reg ulations 1979, reads as under: "Subject to the grant of leave being determined by the exigencies of service, an officer shall be eligible for the following kinds of leave: (A) Casual leave (B) Privilege Leave (c) Sick leave (D) Study leave (E) Maternity leave (F) Extraordinary leave on loss of pay (G) Special casual leave & special leave 2. Further, as per instructions contained in H.O. Cir. No. Per/83 of 1982 dt. 21.10.82, the following are the guidelines/clarifications/interpretations to Regulat ions 31 to 40 of SBOP (Officers) Service Regulations 1979. 3. Existing Procedure of computing entitlement of P leave as well as casual leave has been revised/charged from Calendar Year basis to Financial year basis from 1.4.2003 onwards. (Cir.. No. Per/2 dt. 8.4.2003)
B. CASUAL LEAVE
(i) Rule No. 32(1) & (2) of SBOP (Officers) Service Regulations 1979 reads as under : 32(1) "An officer shall be eligible for casual leave on full emoluments for 12 working days in a year provided that not more than four days' casual leave may be availed of at any one time." 32(2) "Casual leave not availed of in any year may be suffixed or prefixed to sick leave in the following three year." (Cir. No. Per/14 dt. 8.6.98) (ii) Further, if casual leave is extended beyond 4 days, it shall be treated as Privilege Leave, Sick leave or Extra ordinary leave as the case may be for the entire period at the discretion of the competent authority. Casual leave shall not be granted in combination with any other kind of leave. (iii) Casual leave is intended to meet special or unforeseen circumstances. Ordinarily, the prior permission of the competent authority shall be obtained before taking such leave. Casual leave shall be non -cumulative. However unutilised casual leave in any calendar year may be suffixed or prefixed to the sick leave or availed of as sick leave in the following year. Public Holidays & weekly offs falling within the period of sanction of casual leave will not be treated as part of casual leave.
(iv) For an officer who has joined Banks' service at any time during the calendar year, the casual leave entitlement would be at one day per month for the first calendar year Fraction of a month will also be treated as full month to calculate entitlement of the leav e. v. (Cir. No. Per/83 of 1982 dt. 21.10.82) The authority empowered to sanction casual leave to an officer is also the competent authority to allow conversion of unavailed casual leave into sick leave. (Cir. No. Per/51 of 1993-94 dt. 2.3.94)
C.
(i)
PRIVILEGE LEAVE
Rule No. 33(1) to (5) of SBOP (Officers) Service Regulations 1979 which relates to Privilege leave reads as under : 33(1) An officer shall be eligible for privilege leave computed at one day for every 11 days of service on duty provided that at the commencement of service no privilege leave may be availed of before completion of 11 months of service on duty." 33(2) An officer on privilege leave shall be entitled to full emoluments for the period of leave. 33(3) The period of privilege leave to which an officer is entitled at any time shall be the period which he has earned less the period of leave availed of.
33(4)
On & from 1.1.1990, privilege leave may be accumulated upto not more than 240 days except where leave has been applied for and it has been refused. 33(5) An officer desiring to avail of privilege leave shall ordinarily give not less than one month's notice of his intention to avail of such leave. (ii) For calculation of privilege leave, the total number of days of all kinds of leave except casual leave availed of during the calendar year shall be deducted from the total period of service during that calendar year and the remaining period shall be divided by eleven which will give the number of days privilege leave earned by an offi cer. Fraction of a day of earned leave, if any, shall be taken as a full day. Privilege leave encashed, if any, shall not be deducted from the period of service on duty for the purpose of calculation of privilege leave. (iii) An officer shall normally submit at the commencement of the year his leave programme for the year. (iv) Once in every four years when an officer avails of leave fare concession, he may be permitted to surrender and encash his privilege leave not exceeding one month at a time. For the purpose of such encashment pay, dearness allowance and house rent allowance, if any, shall alone be admissible at the rate applicable as on the date of proceeding on leave. The encashment shall normally be made not before the 15 days from the date of proceeding on leave. (Cir. No. Per/83 of 1982 dt. 21.10.82)
(v)
In the case of officers promoted from clerical & cash cadre the entire balances if any, in their privilege leave accounts as on the date of their promotion may be carried over. (Cir. No. Per/38 of 1980 dt. 6.9.80)
(vi) Power to grant privilege leave to officers will vest with the concerned controlling authority or any authority designated by the Managing Director. (Rule 96 of SBOP Staff Rules - 1954) (vii) If the period of suspension of an o fficer who is reinstated with retrospective effect has been treated as duty shall be reckoned as service for accrual of P. Leave. (Cir. No. Per/60 of 1987 dt. 13.6.87) viii) P leave upto 1 week to officers will be sanctioned by the BM at Scale III and above branches upto a maximum of 2 times in an year, provided no relief arrangement is called for. (Cir. No. Per/28 dt. 24.10.98) ix) Calculation of leave at the time of retirement of the off icer will be made as per the Cir.No.Per/92 dated 25.06.1983. x) The off icers who are in the last year of their service and are carrying a balance of privilege leave in excess of 240 days as on the 1 s t April of that year, by virtue of leave having been ref used in the previous year, the portion of privilege leave that is allowed to be carried over to the next year should necessarily be availed as early as possible, say within 3 months of the following year. However, should this not be possible, and the off icer is due to retire, he may be permitted to encash the full balan ce to the credit of his privilege leave account even if the same exceeds 240 days. (Cir.No.Per31 dated 19.09.1994)
D.
SICK LEAVE
Rule No. 34(1) to (4) of SBOP (Officers) Service Regulations 1979 reads as under :
34(1) On & from 1.1.1989, an officer shall be eligible for 30 days of sick leave, for each completed year of service subject to a maximum of 18 months during the entire service. Such leave can be accumulated upto 540 days during the entire service and may be availed of only on production of medical certificate by a medical practitioner acceptable to the Bank or at the Bank's discretion nominated by it at its cost.
34(2) In respect of the period of sick leave, an officer shall be eligible to receive one half of the full emoluments. Provided that if an officer so desires, the Bank may permit him to draw full emoluments, in respect of any portion of the sick leave granted to him, twice the amount of such period on full emoluments being debited against sick leave account. 34(3) The bank may require any officer desiring to resume duty on the expiry of sick leave, to produce medical certificate saying that he is fit for duty. 34(4) On & from 1.1.1989 where an officer has put in a service of 24 years, he shall be eligible to additional sick leave at the rate of one month for each year of service in excess of 24 years subject to a maximum of three months of additional sick leave. Further, benefit of commutation of sick leave on full pay in cases of additional sick leave availed on or af ter 29.6.99 is available. (Cir. No. Per 50 dt. 14.2.2000)
E.
STUDY LEAVE
Rule No. 35 of SBOP (Officers) Service Regulations 1979 reads as under:
"An officer may be granted study leave for such period and on such terms & conditions as may be decided by the Board or the Executive Committee." (For a maximum period of 2 years only after completion of 5 years service). (Cir. No. Per/4 dt. 7.5.1999) Managing Director is the competent authority for sanction of Study Leave to all categories of officers. (Cir.No.Per02 dated 07.01.1981, Per/85 dated 29.10.1984, Per/7 dated 16.01.1985 and Per/96 dated 10.10.1988)
F.
MATERNITY LEAVE
Rule No. 36 of SBOP (Officers) Service Regulations 1979 reads as under:
On and from 1.4.2000, leave upto a period of 6 months a t a time be granted as Maternity leave including in respect of post natal period or at the time of miscarriage/abortion or medical termination of pregnancy so, however, that not more than 12 months of such leave be availed during the entire service. Leave may also be granted once during service to a childless female employee for legally adopting a child who is below 1 year of age till child reaches age of one year subject to a maximum of 2 months. (Cir. No. Per 33 dt. 12.8.2001)
G.
EXTRA ORDINARY LEAVE ON LOSS OF PAY
(i) An officer shall be eligible for extra -ordinary leave on loss of pay (i.e. loss of full emoluments) when no other kind of leave is due to him. Rule No. 37 of SBOP (Officers) Service Regulations 1979 reads as under: An officer shall be eligible for extra ordinary leave on loss of pay for not more than 360 days during the entire period of service. Such leave may not be availed of except for sufficient reasons not more than 90 days at a time. Provided that in very special circumsta nces the Board or the Executive Committee may grant extra ordinary leave on loss of pay to an officer upto a total period of 720 days. (ii) Such leave may be granted in combination with or in continuation of any kind of leave except casual admissible to h im. (Cir. No. Per/83 of 1982 dt. 21.10.82) (iii) The period spent as leave on loss of pay shall not count for increments, in view of the fact that the increments in the case of officers is released on the first of the calendar month in which the date of increment falls due. Such anniversary date will be postponed and notionally determined. The effect of postponement would be given when the notional date of increment shifts to the next calendar month. The increment date in each year will be computed by taking into account the leave on loss of pay during the year. In effect, the postponement, unless condoned, will have cumulative effect through out the career of the officer provided that the cases where the competent authority is satisfied that the leave was taken on account of illness or for any other cause beyond the officers control, it may direct that the period of extra ordinary leave may count for increments. Authority structure for sanction of extra ordinary leave(leave without pay) and restoration of seniority will be as under:Sanction of extra ordinary leave upto 180 days cumulative - GM(op) 181-360 days - (CGM), Above 360 days upto 720 days - MD. (Cir. No. Per/35 dt. 7.11.2000)
H.
SPECIAL LEAVE & SPECIAL CASUAL LEAVE
(i) As per Rule No. 37(a) of SBOP (Officers) Service Regulations 1979, an officer may be granted special casual leave and any special leave by the competent authority as may be decided by the Board or the Executive committee in accordance with the state Bank's guidelines. (ii) The facility of special leave to be allowed only if the official is associated with a sports event of National/International importance as a coach, referee, manager, umpire etc. for which professional competence is required. The intention is to grant to qualified person who is actively involved in the conduct of the tournament and is required on the ground or with the team and not a person who is associated in an honorary or decorative capacity such as a member of reception or refreshment committee etc. (Cir. No. Per/54 of 1988 dt. 17.6.88)
I. (1) (i)
GENERAL INSTRUCTIONS GENERAL All kinds of leave will be reckoned in a financial year and credit will be afforded on the first day of April every year. However, where an officer joins service or is due to retire in the middle of the year, the proportionate credit in respect of pro -rata privilege leave & sick leave will be allowed to him. (ii) An officer who desires to obtain leave of balance other than casual leave, shall apply in writing to the Competent Authority. Generally, such application for leave shall be made not less than one month before the date from which the leave is to commence, except in urgent cases or unforeseen circumstances including illness when it is not possible to do so. The competent authority shall communicate the decision as soon as practicable and in case of an urgent nature immediately. When the leave is sanctioned, the date of commencement of the leave and the date on which the officer will have to resume duty shall generally be intimated to officer. (iii) If an officer, after proceeding on leave, desires an extension thereof, he shall make an application in writing to the Competent Authority. Such application should state the full postal and telegraphic address of the officer and should be made in sufficient time to enable the competent Authority to consider the application and send a reply to him before the expiry of the leave desired to be extended. A reply either of grant or refusal of extension shall be sent to the offic er at the address given by him. (iv) Leave of any kind cannot be claimed as of right. When the exigencies of the service so require, discretion to refuse/defer or revoke leave of any kind is reserved by the Authority empowered to grant it. (v) An officer who overstays his leave (except under circumstances beyond his control, for which he tenders a satisfactory explanation) shall not be paid his salary and allowances and shall further render himself liable to such disciplinary action as the bank may deem fit. (vi) An officer on leave will not be entitled to return to duty before the expiry of the period of leave granted to him, unless he is permitted to do so by the Authority which granted him leave. (vii) An officer on leave shall, unless otherwise inst ructed to the contrary, return for duty to the place at which he was last posted (at the time of granting the leave). (viii) The Competent Authority may require an officer who has availed himself of leave for reasons of health to produce a medical certifi cate of fitness before he resumes duty. (ix) No leave shall be granted to an officer under suspension. However, if any suspension period is treated as period spent on duty by specific order of Disciplinary Authority, the officer will be eligible to accum ulate privilege leave in excess of 180 days subject to the condition that such accumulated leave in excess of 180 days should be proportionate only to
the period spent under suspension by the officer, until such time the bank is in a position to grant him privilege leave. (x) The bank for this purpose shall mean and include 'Competent Authority' empowered to grant leave to Officer Staff.
(xi) An officer proceeding on leave shall hand over the charge of his post at the close of last working day preceding t he day on which he proceeds on leave. His leave shall be considered to commence from the next succeeding working day and end on the last working day preceding that upon which he reports for duty. 2. LAPSE OF LEAVE Rule No. 38 of SBOP (Officers) Service Regulations 1979 reads as under : All leave shall lapse on the death of the officer or if he ceases to be in the service of the bank, provided that where an officer dies while in service, these shall be payable to his legal representative, sums which wo uld have been payable to the officer if he had availed of the privilege leave that he had accumulated at the time of his death. Provided further that where an officer retires from the Bank's service, he shall be eligible to be paid a sum equivalent to th e emoluments of any period of privilege leave that he had accumulated." An officer who resign from service of the Bank on or after 1.4.2001 may be permitted to encash P leave to his/her credit to the extent of half of such leave at his/her credit on the date of cessation of service subject to a maximum of 120 days. (Cir. No. Per/28 dt. 14.7.2001) 3. RECALL FOR DUTY (i) An officer on duty may be recalled to duty by the Competent Authority whenever the Bank deems fit to do so. But if the officer is at tha t time out of station, he shall be eligible for the actual expenses incurred by him and the members of his family for coming back to the station and if the officer and the members of his family go back to the same station from which he was called, for the return journey also. In such an event the journey period (both inward and outward) shall be taken as period spent on duty. If he is availing of leave fare concession during that period, it will be allowed to be carried over. However the bank will as far as possible offer him leave so as to enable him to avail of leave travel concession during the same span of LTC block. In addition to travelling expenses, in such cases, the officer concerned will be eligible to halting allowance as may be applicable to him for the inward journey to his place of posting. The family members should generally accompany the officer when he is recalled to duty otherwise travelling expenses for members of his family will not be reimbursed. Advance against LTC, if any, shall be adjusted by the officer immediately on his reporting for duty. (Cir. No. Per/83 of 1982 dt. 21.10.82)
(ii) In this connection, Rule No. 39 of SBOP (Officers) Service Regulation 1979 reads as under: "An officer on leave may be recalled to duty by the competent authority whenever the bank deems fit to do so; but if the officer is at that time out of station, he shall be eligible to be paid the actual expenses incurred by him and the members of his family for coming back to the station, and if the officer and the members of his family go back to the same station from which he was called, for his return journey also." 4. BANK EMPLOYEES - EXERCISING THEIR FRANCHISES In this connection it has been decided as under: (i) General Elections to Lok Sabha/Stat e Assemblies The bank employees residing and enrolled as a voter in a particular place constituency, say Delhi (where the election is to be held) may be employed in any office located at some other place, say Faridabad/Ghaziabad etc. In such cases, the Bank employee may be granted special casual leave, if his office does not happen to be closed on that particular day, to enable him to exercise his franchise. (ii) Bye Election Lok Sabha: - Special causal leave is permissible on the same grounds/circumstances as in the case of General Elections. State Assemblies: - In the bye election to the State Assemblies while the Central Govt. Offices/Banks shall not be closed, it would be sufficient if only those bank employees who may be placed on election duty ar e allowed to absent themselves from office on the polling day. All other employees shall be given the facility to exercise their franchise either by way of coming late to office or by being allowed to leave office early or a short absence on that day, subject to exigencies of service. Panchayat/Corporation/Municipalities or Other Local Bodies The Bank employees who are bonafide voters and desire to exercise their franchise would however be offered reasonable facility by way of coming late to office or by being allowed to leave office early or a short absence on that day. (Cir. No. Per/64 of 1990 dt. 17.10.90) 5. FURNISHING THE LEAVE ADDERESS TO THE BANK (i) An officer, who has been sanctioned leave and leaves his place of duty should furnish to the Bank the address at which he can normally be contacted while out of station. (ii) In this connection, Rule Regulations 1979 reads as under : "An Officer who has been sanctioned leave and leaves his place of duty shall furnish to the Bank the address at which he can be contacted while out of station." (Cir. No. Per/83 of 1982 dt. 21.10.82) No. 40 of SBOP (Officers) Service
6.
UNAUTHORISED ABSENCE The procedure to deal with the cases pertaining to the officers who remain on unauthorised absence from their duties is detailed in Circular No.Per/101 dated 7.11.1988, Per/53 dated 20.12.1994 and Per/14 dated 07.5.2002. Following authority structure has been approved to deal with such cases/appealsCategory of Officers JMGS- I to MMGS- III SMGS- IV & V TEGS- VI to TEGSS- I Appointing Appellate Authority GM CGM CGM MD MD A committee comprising Dy. M.D. (Associates & Subsidiaries) from SBI, Govt. Nominee Director & RBI Nominee Director on the Board. Quorum- minimum 2 members one Of whom should be Dy. Managing Director(Associates & Subsidiaries) (Cir.No.Per/14 dated 07.05.2002) STAFF SUPERVISING CONDUCT RULES
7.
No officer shall absent himself from his duty or be late in attending office or leave the station without having first obtained the permission of the authority empowered to sanction leave. Provided that in unavoidable circumstances where availing of prior permission is not possible or is difficult, the permission may be obtained later subject to the satisfaction of the concerned authority that prior permission could not have been obtained.
**********
CHAPTER- 6 REIMBURSEMENT OF EXPENSES ON TRAVEL

A. MODE OF TRAVEL & EXPENSES ON TRAVEL
By steamer 1st class Ist class or highest class if train,By air(economy) if distance more distance is more than 500 kms
than 1000 kms. AC 1st classt or By air (economy)
Entitled class for travel : Per\39 dt.20.3.04. Category Entitled class by rail 1st class or AC-II tier sleeper by train JMGS 1st class or AC-II tier sleeper by MMGS SMGSTEGS
Highest class by steamer
1.
TRAVEL ON DUTY As per Regulations 41 of SBOP (Officers) Service Regulation 1979, the following provisions apply whenever an officer is required to travel on duty: (i) An officer in Junior Management Grade is entitled to travel by 1st Class or AC 2-tier Sleeper by train. He may, however, travel by air (Economy Class) if so permitted by the Competent Authority, having regard to the exigencies of business or public interest. (ii) An officer in Middle Management Grade is entitled to travel by 1st Class or AC 2-tier Sleeper by train. He may, however, travel by air (Economy Class) if the distance to be traveled is more than 1000 kms. He may, however, travel by air (Economy Class) even for a shorter distance if so permitted by the Competent Authority, having regard to the exigencies of business or public interest. (Cir.No.Per/15 dated 29.06.2005) (iii) An officer in Senior Management or Top Executive Grade is entitled to travel by AC 1st Class by train or by air (Economy Class). (iv) An officer in Senior Management or Top Executive Grade may travel by car between places not connected by air or rail provided that the distance does not exceed 500 km. However, when a major part of the distance between the two places can be covered by air or rail, only the rest of the distance should normally be covered by car. (v) Any other officer may be authorized by the Competent Authority, having regard to the exigencies of business, to travel by his own vehicle or by taxi or by the Banks vehicle. The remaining provisions as in Sub-regulation (2) & (3) of Regulation 41 of Officers Service Regulation shall remain unchanged. Cir.No.Per/15 dated 29.06.2005)
vi)
For air or rail travel, a single fare for the officer will be reimbursed.
vii) For travel by road by his own vehicle, such rate on kilometer basis as may be decided by the Bank from time to time, having regard to the type of vehicle used, the cost to be incurred and terrain covered will be reimbursed. 2. REIMBURSEMENT RATES FOR TRAVEL BY OWN VEHICLE Reimbursement of traveling expenses to the eligible officers who are authorized to travel in their own vehicles while on transfer/official duty outside the place of posting will be as under:-Travel by own vehicle :If journey approved by competent authority Four Wheeler(less 1000 CC) 1000 CC & above Two wheeler(scooter/M-cycle) Moped @ Rs.4.60 p.Km @ Rs.5.80 p.Km. @ Rs.2.80 p.km @ Rs .2.00p.km (Circular No. Per/37 dt. 20.2.2004)
Officers who transport their own vehicles by road to the place of their transfer will also be reimbursed at the aforesaid rates. (Cir. No. Per/37 dated 20.02.2004) (1) Where an off icer performs journey, while on duty, by his/her own car with the prior approval of the competent authority, he/she will be reimbursed traveling expenses on the basis of mileage charges and if the off icer concerned performs such journey by his/her own car without the prior approval of the competent authority, he will be reimbursed the traveling expenses as per his entitled class by rail for the actual distance traveled by his/her own vehicle or the admissible mileage charges whichever is less. (2) Where an off icer performs journey by his own vehicle while on off icial duty with or without the prior permission of the competent authority and seeks reimbursement of traveling expenses as per entitlement contained in para ( 1) above, he/she may be asked to produce the petrol receipt/toll tax receipt or any other proof in support of his having performed the journey by his/her own vehicle. (Cir.No.Per/91 dated 23.1.1991 and Per/46 dated 11.03.1999)
3.
TRAVEL BY TAXI/PUBLIC TRANSPORT
(i) Where hiring of a taxi is permitted, the actual taxi charges will be reimbursed. (ii) For travel by public motor or water transport, the actual fare will be reimbursed. As per Rule No. 41(3) of SBOP (Officers) Service Regulations 1979, ac tual expenses incurred for transport and porterage will be reimbursed.
B.
1.
HALTING ALLOWANCE ADMISSIBLE/REIMBURSEMENT OF ACTUAL HOTEL EXPENSES

HALTING ALLOWANCE ADMISSIBLE
Per\28 dt. 30.12.2003 Per\25 dt.30.3.05
Kolkatta,Chennai Mumbai)
Halting/Daily Allowance SMGS\TEGS JMGS/MMGS

Less 4 hrs Nil
w.e.f. 1.5.2010 800 700 700 600
IV-V-VI-VII I-II-III
4 to less 8 hrs Half
Rs.1000* (Rs.1200\- at 4 Metros Delhi, Rs.800(Rs.1000\at 4 Metros Delhi, Kolkatta,Chennai Mumbai) 8 hrs & above Full (Per/33 dt.17.8.01 w.e.f 1.6.01)
2. (i)
REIMBURSEMENT OF ACTUAL HOTEL EXPENSES As per Cir. No. Per/26 of 2005 dt. 30.03.2005, the ceilings reimbursement to officers who stay in Non -ITDC hotels is as under : LODGING & BOARDING: Per\27dt.01.11.2007
for
Grade Scale Major A Area 1 Others TEGS VI-VII 6800* 3400 3000 SMGS IV-V 4000 2400 2000 MMGS II III 2400 1600 1200 JMGS I 1600 1200 800 Major A = Mumbai, Delhi, Kolkattai, Chennai, Ahmedabad, Bangalore & Hyderabad Area I = Pune ,Nagpur, Surat, Kanpur, Patna, Jaipur,Lucknow, Visakhapatnam, Patna, Vadodra, Kochi, Indore, Bhopal, Ludhiana, Coimbotore, Madurai, Agra & Varanasi
Further, if Top Executive Grade (Scale VI & VII) officers are unable to stay at ITDC hotels at Delhi & at other hotels at Bombay and Calcutta within the tariff limit of ITDC hotels, they may be reimbursed actual lodging expenses for staying in other hotels not exceeding 125% of the tariff of their entitled class at Bombay & Delhi & Calcutta. (Cir. No. Per/41 dt. 14.2.1998) Detail of centres falling under Major A Class cities and Area -I cities is as under:Major A Class Cities Area-I Cities Mumbai, Kolkata, Delhi Chennai, Ahmedabad, Bangalore & Hyderabad. Pune, Nagpur, Kanpur, Surat, Jaipur, Lucknow, Vishakapatnam, Patna, Vadodara, Kochi, Indore, Bhopal, Ludhiana, Coimbatore, Madurai, Agra and Varanasi. (Cir.No.Per/4 dated 09.04.2005)
Rule No's 41(4)(c) to (f) of SBOP (Officers) Service Regulation 1979 reads as under: (a) (b) (c) Where lodging is provided at Bank's cost/arranged through the bank free of cost 3/4th of the Halting Allowance will be admissible. Where boarding is provided at bank's cost/arranged thro ugh the bank free of cost, 1/2 of the Halting Allowance willbe admissible. Where lodging & boarding are provided at bank's cost/arranged through the bank free of cost, 1/4th of the halting allowance will be admissible. Where however an officer claim s boarding expenses on a declaration basis without production of bills for actual expenses incurred, then he shall not be eligible for 1/4th of the Halting allowance. On & from 1.1.87, a Supp. diem allowance of Rs. 10/ - per day of halt outside headquarters on inspection duty shall be paid to all inspecting officers. It is also payable in case the officer claims actual hotel expenses.
(d)
(Cir. No. Per/89 dt. 20.6.83, Per/35 dt. 26.3.87 & Per/15 dt.29.06.05 )
(iii) Explanation to Rule No. 41(4) of SBOP (Officers) Service Regulations 1979
For the purpose of computing Halting Allowance, per diem shall mean each period of 24 hours or any subsequent part thereof, reckoned from the reporting time for departure in case of air travel and the scheduled time o f departure in other cases to the actual time of arrival. Where the total period of absence is less than 24 hours, per diem shall mean a period of not less than 8 hours. (vi) In case an officer has approved official residence for self or family where at a place he is deputed for official work, it is implied that lodging & boarding facilities are being made available to him as in the case of that being a station of his headquarter. Therefore 1/4th of halting allowance admissible to the officer may be allowed besides local conveyance charges (if any). (Cir. No. Per/96 of 1984 dt. 20.11.84) (vii) Chandigarh falls under the category of other places for the purpose of payment of halting allowance. (Cir. No. Per/93 dt. 9.9.87) 3. HALTING ALLOWANCE FOR DEPUTATION FOR TRAINING WITHIN THE OFFICER'S HEAD QUARTERS As approved by the Executive Committee at their meeting held on the 30th March 1982, the facility of paying 1/4th halting allowance is extended to the officers of the Bank who are deputed for trai ning at the residential training centres of the Bank as well as outside organisations where free lodging and boarding facilities are provided and the officers are required to stay overnight in the training centres/institutes even though such deputation is within the officers' headquarters. However, no such halting allowance will be payable to the officers who are deputed to non -residential training centres/institutions within their headquarters. This facility will also not be
extended to the officers deputed to residential training centres but who continue to stay at their residences for any reason whatsoever while attending a training programme in as much as instead of attending the office they are attending the training programme and no additional expens es are involved in so far as they are concerned. While claiming 1/4th halting allowance, a local official will have to produce a certificate from the head of the training centre/institute that he stayed overnight at the centre/institute during the entire training programme. (Cir.No. Per/22 of 1982 dt. 7.4.82) 4. HALTING ALLOWANCE ON TRAVEL FROM HIGHER AREA TO LOWER AREA AND VICE VERSA When an official travels from a higher area to lower area and vice versa while on tour or on transfer, the place of vis it or the place of transfer should be taken as the basis for determining the rate of halting allowance admissible to him irrespective of the rate applicable to the area of his headquarters. Accordingly, if an officer from Major 'A' class city is required to visit another place in Area I, he shall draw halting allowance at the Area I rate for both the periods of outward journey and return journey as also for the period of halt at the place of visit. Where, however, an officer is required to visit more than one place during the tour, and makes a halt for 8 hours or more or stays overnight at an intermediate place of visit, he will be eligible for payment of halting allowance for the period involved at the rate applicable to the place of halt in question. This provision will also apply if an officer has to halt at a station other than the proposed place of visit enroute on tour or on transfer. (Cir. No. Per/21 of 1980 dt. 21.5.80) 5. HALTING ALLOWANCE FOR HOLIDAYS/LEAVE OCCURING DURING TOUR
Under old rules (Rule No. 27) daily allowance is admissible for holidays occurring during a tour but no daily allowance is admissible during casual leave unless such leave is necessitated by illness. 6. HALTING ALLOWANCE TO OFFICERS DEPUTED FROM DELHI TO GHAZIABAD OR FROM SUCH LIKE PLACE TO NEARBY PLACES AND VICE VERSA It has been decided to treat Ghaziabad, Faridabad, Noida and Gurgaon on the basis of their nearness, at par with Delhi for the purpose of payment of halting allowance to the officers and the followi ng clarifications are made in this regard : (i) halting allowance on deputation from Delhi to Ghaziabad, Faridabad, Noida and Gurgaon be paid only if the officer/workman was residing at Delhi at the time of such deputation; (ii) the same principle, i.e., permanent residence at Ghaziabad, Faridabad, Noida and Gurgaon may be insisted upon while dealing with claims for payment of halting allowance when an employee is deputed from Ghaziabad, Faridabad, Noida and Gurgaon to Delhi;
(iii) the same principle may be applied when a nearby place to Area I is treated on par with that city like Ahmedabad and Gandhinagar; (iv) no halting allowance will be payable when the deputation is within the same city or treated as part of the city on the basis of its falling wi thin the urban agglomeration of the city. Cir. No's. Per/1 dated 6.4.92 Per/27 dated 28.8.83 Per/86 of 1982 dated 3.11.82 7. PAYMENT OF OUT-OF-POCKET EXPENSES FOR VISITS/ABSENCE FROM HEADQUARTERS WITHIN THE MUNICIPAL LIMITS Consequent upon the implementation of the State Bank of Patiala (Officers') Service Regulations 1979, no halting allowance is payable to officers for their visits/absence from headquarters within the municipal limits, whereas officers still have to incur expenditure for tea/coffee/snacks/lunch etc. when they travel reasonably long distances and are away from headquarters for at least four hours. The matter was reconsidered and it has been decided to pay out -of-pocket expenses incurred by him for journey completed on the same day subjec t to a ceiling of half. The halting allowance payable to him or Rs.100/ - per day whichever is lower, w.e.f. 1.4.97, to an officer, who is deputed locally at a distance of at least 15 Kms. from office and 5 Kms. from residence, if he proceeds from office an d 15 Kms. from residence and 5 Kms. from office if he proceeds from residence provided the absence is of a period of at least four hours, on furnishing a certificate that the amount has been actually incurred. It will however, be ensured that the facility is not misused in any way. For the purpose, the Controlling Authorities should exercise extreme care to restrict the visits of the officials to the required minimum as may be warranted for business consideration/follow up of advances etc. Besides, reimb ursement of such out-of-pocket expenses should be sanctioned by the Competent Authority after satisfying himself beyond any doubt that the visits were necessary in the Bank's interest and the claims were genuine, reasonable and otherwise in order. Cir. No's. Per/20 of 1982 dated 5.4.1982 Per/37 dt. 20.12.1997 Reimbursement of out of pocket expenses : Officers who are deputed to attend court locally and don't return to office in lunch time may be allowed reimbursement of out of pocket expenses for lunch etc. equal to 50% of daily allowance admissible at a place. (Cir. No. Per/107 dt. 9.4.02)
8.
PAYMENT OF HALTING ALLOWANCE DURING THE PERIOD OF TAKING OVER CHARGE
As per Regulation 45(4) of SBOP (Officers) Service Regulation 1979, an officer transferred to any station shall be eligible to claim halting allowance for the period spent on journey, for the joining time and period of taking over charge of his post as specified by the competent authority at the same rate as in the case of travel on tour. Out of Pocket Expenses to Liaison/Asstt. Liaison Officers and Security/Asstt. Security Officers: Liaison/Asstt. Liaison Officers and Security/Asstt. Security Officers will be reimbursed out of pocket expenses for attending on important dignitaries at the Airport/Railway stations as under:Time of Duty Max. limit of Reimbursement Upto 3 hours Rs.110 \More than 3hours but upto 6 hours Rs.220 \More than 6 hours Rs.400 \Discomfort allowance (Liasion/Asstt.Liaision Officers and Security Officers/Asstt. Security Rs.1000 \- p.m. Officers Circular No. Per\10 dated 15 t h July 2008
Out of pocket expenses at service\MICR branches, Airport etc. Rs.200\- per day dt.24.8.07 Per\21
(old reference Cir.No.Per/38 dated 15.12.1999 & Per/45 dated 21.02.2003)
C.
JOINING TIME & TRAVELLING EXPENSES ETC. ADMISSIBLE ON TRANSFER (A) (1) TRANSFERABILITY & JOINING TIME ON TRANSFER (i) Transferability Regulations 42 & 43 of SBOP (Officers) Service Regulations 1979 are reproduced here below : 42 - Every officer is liable for transfer to any office or Branch of the Bank or to any place in India. 43 - Every officer should be available for Bank's duties at any time of the day. (ii) Joining Time on Transfer Regulation 44 (1) of SBOP reproduced here below : (Officers) Service Regulations 1979 is
An officer shall be eligible for joining time on on e occasion and not exceeding seven days exclusive of the number of days spent on travel to enable him : (a) to join a new post to which he is appointed while on duty in his old post or (b) to join a new post to return from leave. (iii) Regulation 44 (2) to 44 (5) of SBOP (Officers) Service Regulations 1979 reads as under : 44-2 During the joining time, an officer shall be eligible to draw the emoluments as applicable to the place of transfer. ( Cir. No. Per/31 of 1995 of 18.11.95) 44-3 In calculating the joining time admissible to an officer, the day on which he is relieved from his old post shall be excluded but public holidays following the day of relief shall not included in computing the joining time. 44(4) No joining time shall be admissible to an officer when the transfer does not involve a posting to a different place." 44(5) No joining time will be admissible to an officer when his posting is of a temporary nature irrespective of the fact that posting is to a place or station other than the one at which is permanently posted. 2. JOINING DUTIES WITHOUT AVAILING JOINING TIME If an officer is required to take up new assignment immediately on the instructions of the Bank without availing joining time, he may be permitted to avail the same if so desired by him in writing, at the end of current academic session so that studies of his children are not disturbed. This will be approved by the concerned authorities. On transfer, officers may be allowed to avail joining time as under: (i) (ii) Upto 3 months Controlling Authority Beyond 3 months to 6 months - Respective General Manager
(iii) After 6 months3.
Chief General Manager (Cir. No. Per/62 of 29.10.91) MODE OF TRAVEL AND CLASS OF ACCOMMODATION FOR
THE OFFICER AND THE MEMBERS OF HIS FAMILY (1) Regulation 45(1) of SBOP (Officers) Service Regulation 1979 reads as under: (i) An officer on transfer & the members of his family will be eligible to travel to the place of posting by the same mode of travel and class o f accommodation, by the officer as in the case of travel on tour. When the members of the family travel by road, the entitlement will be the actual or the Ist class rail fare for the distance covered whichever is less.
(ii)
Explanation Family for the purpose of this Regulation will be limited to the spouse as also children, parents, brothers & sisters residing with & wholly dependent on the officer employee. (2) It has been clarified that for the purpose of Regulation 45(1) and also for the purpose of leave fare concession, the widowed sister, if fully dependent on the employee should be deemed to be part of the family. To determine whether a widowed sister is dependent on the employee for the purpose stated above, the following points should be con sidered : (a) That the widowed sister is wholly dependent on the employee. (b) that she has no independent source of income. (c) that she is staying permanently with the employee. (d) that she has no earning member i.e. her sons or daughters, for support. (Cir. No. Per/14 of 1982 dt. 19.2.82) 3. When an officer is required to join without availing joining time (a) Officers who are not allowed joining time at the time of permanent transfer may be reimbursed their own fares to & fro for the journey t o their earlier place of posting. (b) They may be paid halting allowance for the joining period (excluding journey period) subsequently sanctioned to them even though they may be in occupation of official residence at new place of posting. (Cir. No. Staff/43 of 1974 dt. 7.11.74) 4. When an officer proceeds on leave when he was under orders of transfer There are no specific instructions on the point in the Officers Service Regulation. However, under old Rules (Rule -12) of Travelling allowance contained in Bank of Patiala Staff Rules 1954, an employee who proceeded on leave while he was under orders of transfer or who was transferred while on leave was entitled to travelling allowance provided that in the case of an employee who availed himself of leave fare concession before proceeding on leave, the fares admissible for self & family with the exception of the extra fare admissible for self was permissible only if the employee & his family returned to his old station before proceeding to the new station. 5. When an officer is transferred while on tour Under old Rules (Rule No. 10), an employee who was transferred while on tour and proceeded to the new station without returning to the old was entitled to draw, unless he was permitted to return to his old station, travelling allowance as on tour for his journey upto the new station.
6.
Payment of T.A. to Trainee/Probationary Officers When a Trainee Officer is transferred while on training, he can if he so opts, keep his family at a place & claim trav elling expenses for self. He can also claim travelling expenses for actually shifting his family to a place of choice if any. The irrevocable option to be exercised before first branch training, official residence will not be allowed at such a place. Du ring the entire period of training, he will not be allowed T.A. bills in respect of his family on account of any number of transfers except at the time of his final posting when he will be reimbursed expenses regarding shifting of his family from the place where family was stationed on completion of first branch training. Probationary officers can also be extended this facility. (B) (1) REIMBURSEMENT OF EXPENSES FOR TRANSFER OF BAGGAGE Regulation 45(2) of SBOP (Officers) Service Regulation 1979 reads as under : 45(2)(i) On & from 1.4.97, an officer on transfer will be reimbursed his expenses for transporting his baggage by goods train upto the following limits :
Transfer of Baggage on transfer: Pay Range family
Where officer has family
Where officer has no

1500 kg. 2500 kg. Per\14
BP 10000-13820(Revised 14500-19400) 3000 Kg. 13821 & above (revised 19401 above) Full wagon dt.8.6.98 Upto 1000 Kms.
for 300 kms)
Transport of Baggage on transfer through approved carrier (Per\7 dt 30.5.11)

Hilly area 2 times the normal rates do-
Other than Hilly area Rs.2.80 per km. per tonne (Minimum
Beyond 1000 Kms. basis)
Rs.2.00 per Km per tonne (rates on slab
Minimum charges for transport of goods in an 8 wheeler wag on would be 120 quintals provided the baggage is transported through approved transport operator (Cir.No.Per/63 dated 04.09.1989 & Per/14 dt. 8.6.98 ) 45(2)(ii) On & from 1.1.87, if an officer eligible for full wagon avails of the facility of 'Container Service' by railways, he will be reimbursed actual charges for one container if he is in Junior Management or Middle Management Grade and for two containers if he is in Senior or Top Management Grade. If the baggage is transported by road between places connected by rail, the reimbursement will be limited to the actual freight charges against submission of bills subject to the cost not exceeding the cost of transport of the maximum permissible quantity by goods train. If there is no railway station or railway out-agency at the old or new place of posting, the officer will be paid the actual cost of transporting the baggage by road upto the nearest railway station or railway out -agency. If both the places do
not have railway station/out-agency, the official will be paid actual cost of transporting the baggage by road upto the stipulated weights by an approved transport operator. Officers may transport their goods through truck union, if approved transport is not available at the centre. However, if e ven truck union is also not available at the centre, the officers may transport the goods through approved operators after obtaining the permission of the controlling authority. If the claim is found to be genuine, the same can be paid within the overall eligibility of the concerned officer. (Cir. No. Per/45 of 1990-91 dt. 30.8.90) 45.(2)(iii) An officer, who owns a car, will be eligible to claim the cost of transporting it by train to the place of transfer at goods train rate and where the car is driven by road, the cost of so taking it, at the rates decided by the Board or the Executive committee. 45(3) (iv) An officer, who owns a scooter, motor cycle or any other vehicle, will be eligible to claim the cost of transporting it to the place of transfer at goods train rate and if the vehicle is transported by lorry the actual lorry charges. If the vehicle is driven by road, the officer will be eligible to claim at the rates decided by the Board or the Executive Committee. (2) LOCAL TRANSFER The provisions of Regulations 45 relating to travelling allowance etc. on transfer and Regulation 41(4) relating to halting allowance on travel on duty are not applicable to an officer transferred from one office/branch to another located within the same city unless there is a change of residence. (Cir. No. Per/61 of 1980 dt. 24.12.80) (3) WHEN FAMILY OF AN OFFICER TRAVELS APART FROM HIM There are no specific instructions on the point in the Officers Service Regulations 1979. However, it was laid down in circular N o. 131 dt. 10.5.67 that when for unavoidable or climatic reasons the family of an officer travels apart from him but within a reasonable time of the date of his transfer, the further fares of the entitled class required for the family and cost of transporting the family's luggage may be paid by the Bank at the discretion & under the special sanction in each instance of the General Manager, subject to the provision that in no case shall the total cost to the Bank be more than the amount, if the family had ac companied the officer. (4) PAYMENT OF T.A. ON RETIREMENT An officer on retirement can claim reimbursement of travelling expenses due to shifting to a place of choice within a period of 3 months after retirement. (Cir. No. Per/26 dt. 31.8.94)
(5) REIMBURSEMENT OF CHARGES INCURRED TRANSPORTATION & INSURING THE BAGGAGE
IN
PACKING,
LOCAL
Regulation 45(3) & (4) of SBOP (Officers) Service Regulation 1979 reads as under:
LUMP SUM PAYMENT ON TRANFER

JMGS/MMGS Rs.14000/- SMGS Rs.18000/-(Cir. No. Per\2 dt.23.4.08)
(b) (i)
Lumpsum amount would include charges on packing, local transportation, insurance of luggage only. Loading charges at the Station or at the residence to a reasonable extent, actually incurred by the officer, may be reimbursed in addition to the lumpsum amount. (ii) Lumpsum amount will not include expenses incurred as conveyance from residence to Railway Station/Airport or vice versa for self and members and porterage for baggage carried with them, these are reimbursed as a part of travelling expenses. (iii) Local transportation charges by rickshaw/cart/van from residence to railway station/transport head in respect of transportation of household goods transported by Rail/Lorry will be included in the lumpsum amount and will not be reimbursed separately.
(Cir. No. Per/7 of 1989 dt. 7.2.89) (c) Further, officer while on transfer can be allowed reimbursement of octroi charges for house hold goods/vehicle etc. where it is payable. (Cir. No. Per/19 dt. 4.8.93) (II) (a) 45(5) An officer transferred to any station shall be eligible to claim halting allowance for the period spent on journey & for the joining time & period of taking over charge of his post as specified by competent authority at the same rate as in the case of travel on tour. Provided that if residential accommodation is provided by the Bank at the new place of posting, no halting allowance will be payable from the date such accommodation is provided. (b) Officers are allowed halting allowance for the journey per iod, joining period & period of taking over the charge. In case the officers are provided with leased accommodation at the new place of posting, no halting allowance is paid from the date official accommodation is provided at the new place of posting. Fu rther, officers transferred to out station branches if not provided with leased accommodation may be allowed reimbursement of hotel charges within their entitlement for the days of taking over the charge. (Cir. No. Per/44 of 1990-91 dt. 30.8.90)
Facility of reimbursement of hotel charges as per their entitlement during the joining time period and taking over period to officers stands withdrawn. (Cir. No. Per/46 dt. 10.2.2000)
6.
REIMBURSEMENT OF PREMIA FOR AVIATION RISK POLICY a) Officers who are authorized to travel by air for official journey will be reimbursed with the amount of the insurance premium paid towards aviation risk policy upto the extent indicated hereunder and subject to their producing documentary evidence of the expenditure as incurr ed:
i) ii) iii)
Category of Officers Officers in SMGS-IV & V Officers in MMGS-II & III Officers in JMGS-I
Sum Assured Rs.10.00 lac Rs. 7.50 lac Rs. 5.00 lac
Other terms & conditions as per Cir.No.Per/77 dated 20th December 1991 remain unchanged. (Cir.No.Per/9 dated 21.06.2004)
b) In respect of the officers in TEGS and TEGSS, the Bank has obtained a Personal Accident Insurance Policy with the amount of insurance cover as under:Category of Officers Insurance Cover TEGSS- I &II Rs.15.00 lac TEGS- VI & VII Rs.12.50 lac. 7. T.A. BILLS AND DOCUMENTARY EVIDENCE T.A. Bills, including bills of Leave Fare Concession/Home Travel Concession, travelling expenses incurred on duty or transfer, should invariably be accompanied by Tickets or their number mentioned in evidence of actual expenditure incurred. Where it is not done the claim made in the T.A. bills should not be admitted. The deviation, if any, should be with authority of the General Manager in each case. (Cir. No. Per/18 of 1978 dated 16.5.1978) D. E. LEAVE TRAVEL CONCESSION ADMISSIBLE TO OFFICERS
The officer and family can perform the journey separately within 3 months. Each member can go to different places within the permissible distance and the members of family can perform the journey without the officer availing any leave.
Encashment of fare: JMGS/MMGS 4500 Kms (one way) SMGS/TEGS 5500 kms(one way)
LEAVE TRAVEL CONCESSION : Block 4 years . Destination anywhere in India.
75% of eligible fare of entitled class The mode and class by which an officer may avail of Leave Travel Concession shall be the same as the officer is normally entitled to travel on transfer and other terms and conditions subject to which the Leave Travel Concession may
be availed of by an officer, shall be as decided by the Board from time-to-time. Provided that w.e.f.1st May 2010 an officer in Junior Management Grade ScaleI while availing LTC will be entitled to travel by air in the lowest fare economy class I which case the reimbursement will be the actual fare or the fare applicable to AC 1st Class fare by train for the distance traveled whichever is less. The same rules shall apply when an officer in Middle Management Grade Scale II and Middle Management Grade Scale III while availing LTC where the distance is less than 1000 kms. Home Travel Concession : Block 4 years (However one can avail LTC in first two years and HTC in other two years and vice versa in the same block of four years)
(Notional entitlement for MMGS-II By air if distance beyond 500 kms. Per\59 dt.18.3.96 (revised 1000 Kms)
Encashment of leave : One month leave once in four years or 15 days P. leave in Each HTC/LTC
Encashment of one days P. leave for donation to PM Relief Fund Per\27 dt.15.9.97
INCOME OF DEPENDENTS: Wholly dependant family members income has been fixed @ Rs.3500/- p.m. Availment of LFC after retirement (within 2 months) with prior approval Per\5 dt.26.05.09 Extension of LFC Block by 6 months on admn. Grounds in exigencies of service Per\14 dt.28.08.08
OTHER INSTRUCTIONS (i) Regulation 47(1) of SBOP (Officers) Service Regulations 1979 reads as under : During each block of four years, an of ficer shall be eligible for leave fare concession for travel to his home town once in each block of two years. Alternatively, he may travel in one block of two years to his home town & in the other block to any place in India by the shortest route. Reckoning the period for the purpose of leave travel concession for those who were in officer cadre as on Ist Oct. 1979 : (a) The commencement of the block of four years or two years as the case may be in respect of officers in officer cadre as on 1.10.7 9 shall be commuted from the commencement of the triennial period current on Ist Oct. 1979, so however, that if a period of two years had lapsed from such commencement & if the officer has not availed of the facility under rules obtaining immediately befor e the Ist October 1979, he will be eligible to avail of the facility before the completion of the block of four years as if the first block of two years has not expired. (Cir. No. Per/10 of 1980 dt. 25.3.80) (b) In the event of an officer not having avai led of leave fare concession/home travel concession during the relevant triennial period prior to the Ist October 1979, he was allowed to avail either twice the Home Travel Concession or one Leave Fare Concession and one Home Travel Concession as the case may be before the expiry of the current quadrennial period current on 1.10.1979 so however, that the first such concession should be availed of before the end of 3 years. (Cir. No. Per/38 of 1980 dt. 6.9.1980)
(ii)
(c)
In case an officer had already availed of leave fare concession during the triennial period current on 1.10.1979 under the old rules, this was to be set off against the home travel concession. (Cir. No. Per/10 of 1980 dt. 25.3.80) The concession under old rules (R ule No. 7) was allowed not more than once during every successive period of 3 years and for this purpose : (i) The first triennial period was deemed to have commenced from Ist March, 1967 and (ii) if a return journey fell partly or wholly in a trien nial period following the triennial period in which the connected onward journey commenced, the return journey was counted against the period to which the onward journey related. Under the old rules/practice, the concession was allowed not more than once during every successive period of three years either to the officer's home town or to any other place in India upto a distance of 1200 Kms. Under the new Regulations, the distance stipulation has been done away with and in block of four years, two co ncessions will be admissible each in a block of two years as under: (i) both of them to home town, or (ii) first block to anywhere in India and the second block to home town; or (iii) first block to home town and second to anywhere in India. (Cir. No. Per/31 of 1980 dated 18.7.1980) Pursuant to the implementation of the SBOP (Officers) Service Regulation, 1979, the facility of leave travel concession in one block of two years is available only to an officer's declared home town; in other words, in those cases where officers get posted over a quadrennial period either in their home towns or somewhere nearby in their own home states the implication of this provision is that either the officers would not be eligible for one concession when they are posted in their home town or the benefit accruing to them would be minimal when they are posted in their home state. (Cir. No. Per/27 of 1981 dated 22.5.1981)
PROCEDURE FOR RECKONING THE PERIOD FOR THE PURPOSE OF LEAVE TRAVEL CONCESS ION FOR THOSE PROMOTED FROM CLERICAL TO OFFICER'S CADRE AS FROM THE IST NOVEMBER, 1979 :
(d)
(e)
(f)
2. (i)
In case of erstwhile officers grade II promoted as such on or after Ist November, 1979 the triennial period for the purpose of leave fare concession was deemed to have commenced from the expiry of the last triennial concession availed of by them in the clerical cadre instead of from the date of their appointment in the supervising cadre.
(ii)
In case of erstwhile officer grade II promoted as such prior to the Ist November, 1979, who did not complete one year's service in that grade on that date their triennial period continued to be reckoned from the date of their promotion to that Grade.
(iii) Consequently the eligibility requirement of one year's service in the supervising cadre for the purpose of availment of leave fare concession for officers both in (i) and (ii) above was not considered necessary any more. (Cir. No. Per/42 of 1979 dt. 13.12.79) 3. ADMISSIBILITY FOR SELF AND FAMILY (i) The concession shall be admissible for self and family.
(a) For the purpose of Leave Travel Concession, Family of an officer shall mean on officers spouse, wholly dependant unmarried children (including dependant step children) and wholly dependant parents ordinarily residing with and wholly dependant on the officer. (b) The term wholly dependant child/parent shall mean such member of the family having a monthly income not exceeding Rs.2,550/- p.m. If the income of the parents exceed Rs.2,550/- p.m., both the parents shall not be considered as wholly dependant on the employee. (Cir.No.Per/15 dated 29.06.2005)
For definition of family, please refer to Regulation No. 45 of SBOP (Officers) Service Regulation 1979 and also Cir. No. Per/14 of 1982 dt. 19.2.82. (ii) If the husband and wife are both working either in the same or different cadres, each will be entitled to leave fare concession in his/her own right, the family including the husband and wife taken together will not be eligible for the concession more than once in the rel ative period. Only one of them will be entitled to claim LFC in respect of their dependent children but the wife will not be eligible for LFC in respect of any of her dependents except for her dependent parents residing with her with income not exceeding Rs.2550/- P.M. each parent. Cir. No. Per/8 of 1983 dt. 18.1.83 Per/48 of 1987 dt. 6.5.87 And Per/15 dated 29.6.2005) Widowed/deserted daughters/sisters may be allowed LFC facility so long as they are residing and wholly dependent up on the officer. Facility of LFC/Medical aid may be allowed in case of a married daughter of an officer, only in exceptional cases, such as where she has been divorced/abandoned or separated from her husband and is residing with and is wholly dependent on the officer. Cir No. Per/43 dt. 27.2.1999
(iii) (a) (b)
(iv) The family members of an officer can be permitted to avail of LFC without the attendance of the officer. Also the officer and/or his family members may be permitted to visit the same/or different places within the permissible distance except in case of availing of home travel facility. The Executive Committee at their meeting dated 23.5.1988 have approved to implement the following clarifications in this regard: (a) Unlike award employee, during each b lock of 4 years, an officer is entitled to LFC for travel to his home town once in each block of 2 years. Alternatively, he is entitled to travel in one block of 2 years to his home town and in another block to any place in India by the shortest route. Thus, there is no restriction of distance to be covered by an officer when he is entitled to visit a designated place other than the home town. However, when he avails of the facility to travel to his home town, the question of permitting visit to differen t places by him or the family members would not arise. The facility on visiting different places can be permitted only when the officer is entitled to visit a place other than the home town (i.e. any other place in India) and in such cases the designated p lace of the officer and the designated place (s) for the family members could be different. (b) In cases where the journey is commenced either by the officer or by a member of his family from a place other than the officer's place of posting, the claim will continue to be limited to the amount admissible, had the journey been made from or to the actual headquarter of the official. In case of a visit to a place other than the home town, as the designated places can now be different for the officer and the family members, the expenditure reimbursable would be limited to the notional fare by the entitled class from the place of posting of the officer to the designated place (s) and vice versa. (c) Under extant instructions, an officer may claim expenses in respect of members of his family (it they do not ordinarily reside with him at the place of work) for travel from his place of domicile to the place of his work and return with the officer and vice versa. Since separate journeys without the attendance of the officer are now being permitted, the present restriction of return of the officer with the family or vice versa need not be insisted upon.
Further, if the journeys are undertaken separately by the officer and the members of his family, the existing time gap not exceeding 3 months should continue to be followed ensuring that the journeys by the officer as well as the family members start within the block concerned. As an officer and his family members may now like to visit different places when entitled, it should be ensured that the LFC bills of the officer and his family members are passed properly within their respective entitlements and that the journeys by the officer and his family members are completed within the permissible time limit of 3 months. To this end, when the officer applied for LFC facility or when he applies for advance for undertaking separate journeys or visiting different places by the officer and
(d)
his family members, these should be duly taken note of. Thereafter, it should be ensured that the bills are submitted by the officer in time and passed for appropriate amounts. Further, it should also be made clear to the officers that the facility is availed of by all members of the family within the prescribed time, failing which the unavailed facility should be treated to have been lapsed. (Cir. No. Per/46 of 1988 dt. 3.6.1988) 4. In exceptional cases, the bank may allow the officers to avail LFC/HTC within a period of 3 months from the expiry of their blocks. This falls withi n the discretion of General Manager. LFC block may be allowed to be extended for a period not exceeding 6 (six) months on administrative grounds in exigencies of service (Cir. No. Per/40 dt. 20.5.88 & Per/22 dated 29.08.2000)) 5. In terms of Regulation 47(1) of SBOP (Officers) Service Regulations 1979, the family of an officer can be permitted to avail LFC/HTC three months prior to or after the date on which the officer himself avails the LFC/HTC. (i) To avoid any doubt in the matter, it is clarified as under: If the gap between the commencement of the outward journey by a member of the family & that of the officer is not more than 3 months, the family members may undertake the journey prior to or after the commencement of the outward journey by the officer subject to the time gap stipulated and or If the time gap between the termination of return journey by a member of the family and that of the officer return is not more than 3 months, the family members may terminate the return journey prior to or after the termination of return journey of the officer, but between the termination of such journeys the time gap should not be more than the stipulated 3 months. Failing above, the unavailed portion will be deemed to have lapsed. (Cir. No. Per/45 dt. 3.6.88) Further to clarify the 'permissible distance' it is the distance by the shortest route to the designated place as declared by the officer or the family members and the designated place can be different for the officer and the family members only when availing leave fare concession. For home travel concession, the designated place for both the officer and members of his family can only be the domicile as declared by the officer.
(ii)
6.
(Cir. No. Per/116 dt. 14.12.88) Encashment of Leave: As per the Regulation 47(2) of SBOP (Off icers) Service Regulation, 1979, once in every four years, when an off icer avails of Leave Travel Concession, he may be permitted to surrender and encash his Privilege Leave not exceeding one month at a time. Alternatively, he may, whilst traveling in one block of two years to his home town and in other block to any place in India, be permitted encashment of Privilege Leave with a maximum of 15 days in each block or 30 days in one block. For the purpose of leave
encashment, all the emoluments payable for the month during which the availment of the Leave Travel Concession commences, will be admissible.
In the case of officers who have been provided with residential accommodation by the Bank, notional House Rent Allowance, equivalent to an amount payable on certificate basis will be included for the purpose of computing the emoluments for leave encashment. (Per/100 dated 01.10.1987) Surrender/Encashment of Leave Travel Concession 1. Alternately, an officer, by exercising an option anytime during a 4 year block or two year block, as the case may be, surrender and encash his LTC (other than travel to place of domicile) upon which he shall be entitled to receive an amount equivalent to 75% of the eligible fare for the class of travel by train to which he is entitled up to a distance of 4500 kms. (one way) for officers in JMG Scale and MMG Scale II & III and 5500 kms (one way) for officers in SMG Scale IV and above. A officer opting to encash his LTC shall prefer the claim for himself/herself and his/her family members only once during the block/term in which such encashment is availed of. The facility of encashment of privilege leave while availing of Leave Fare Concession is also available while encashing the facility of LFC. 3. The mode and class by which an officer may avail of Leave Travel Concession shall be the same as the officer is normally entitled to travel on transfer and other terms and conditions subject to which the Leave Travel Concession may be availed of by an officer, shall be decided by the Board from time to time. (Cir.No.Per/15 dated 29.06.2005)
4. DESIGNATED PLACE OF VISIT/DOMICILE AND CHANGE THEREOF 1. An officer proposing to avail of leave travel concession should designate the place of visit. It will, however, be open for him to change the place for any valid reason, which may be acceptable to his controlling authority. However, if the change is made even before the commencement of journey, and if the officer has obtained a higher advance fare related to the place earlier designated, he should refund the excess amount immediately. With regard to home travel concession, the declaration regarding the place of domicile will be already on record and the designated place for home travel concession will of course be the declared place of domicile. (Cir. No. Per/31 of 1980 dated 18.7.1980) (I) (a) Criteria for determining home town
The correct test to determine whether a place declared by the Bank employee may be accepted as his home town or not is to check whether it is the place where the Bank employee would normally reside but for his absence from such a station for service under the Bank. The criteria mentioned below may, therefore, be applied to determine whether the declaration may be accepted.
(i)
Whether the place declared by the Bank employee is the one which required his physical presence at intervals for discharging various domestic and social obligations, and if so, whether after his entry into service, the Bank employee had been visit ing that place frequently. (ii) Whether the Bank employee owns residential property in that place or whether he is a member of joint family having such property there. (iii) Whether his near relations are permanently residing in that place. (iv) Whether prior to his entry into Bank's service, the Bank employee had been living there for some years. (b) (c) The criteria one after the other, need be applied only in case where the immediately proceeding criteria is not satisfied. Where property is owned in more than one places, the Bank employee may choose any one place, giving reason for the choice, but the decision of the Controlling Authority whether or not to accept such a place as the home town of the Bank employee shall be final. Where the presence of near relations at a particular place is to be the determining criterion for the acceptance of the declaration of 'Home Town' the presence of near relations should be more or less of permanent nature. (Cir. Per/7 of 1982 dt. 25.1.1982)
(d)
(II) Change in declaration of 'Home Town' : (a) A declaration of 'Home' once made shall ordinarily be treated as final but in exceptional circumstances the head of department or if the Bank employee himself is the head of depar tment, the competent authority may authorise a change in such declaration provided that such a change shall not be made more than once during the service of the Bank employee. (Cir. No. Per/7 of 1982 dated 25.1.1982) (b) The objective is primarily to enable an employee to change his/her place of domicile on account of developments taking in his/her personal life, during his/her career in the Bank, and such a facility is to be extended for only valid reasons and that too only once in one's service in the Ba nk. It will also be necessary to satisfy the genuineness of the reasons adduced by the employees to change their places of domicile. (Cir. No. Per/27 of 1981 dated 22.5.1981) (III) Declaration of Home Town where both husband and wife are in the Bank's service While one or more of the above mentioned guidelines will need to be satisfied, in cases where the husband and wife are both in the Bank's service the couple will need to be treated as a single family unit and allowed to declare only one place to be their home town which could be the same place for both of them. In making the declaration, it is, open to them to choose the home town of either the husband or wife or home town of the parents of the husband or wife or an entirely different place cons istent with the guidelines spelt out above. (Cir. No. Per/27 of 1981 dated 22.5.1981)
5. MODE & CLASS FOR AVAILING LEAVE TRAVEL CONCESSION (i) Regulation 47(3) of SBOP (Officers) Service Regulation 1979 reads as under: The mode and class by which an officer may avail of leave travel concession shall be the same as in the case of travel on transfer and other terms and conditions subject to which the leave travel concession may be availed of by an officer, shall be as decided by the Bo ard or the Executive Committee from time to time. (a) While the LTC entitlement of officers in the Middle Management will be determined by Ist class/AC sleeper rail fare only, but if the distance to be travelled is more than 1000 Kms by the most direct r oute, then the eligibility will be as per air, economy class. (Cir. No. Per/59 dt. 18.3.96) (b) As regards travel by helicopter, it is classified that Helicopter service is not an acceptable mode of transport. If an officer travels by Helicopter from Jammu to Vaishno Devi, he may be reimbursed the eligible train fare for the distance from jammu to Vaishno Devi. (Cir. No. Per/60 dt. 6.7.88) (c) Travel by air when the designated place and the headquarters are partly connected by air and partly by rail/ro ad and the Officer is entitled to travel by air. If the designated place and the headquarters are partly connected by air and partly by rail/road, he will be entitled for reimbursement of rail/road fare for the distance covered by rail/road and air fare for the distance covered by air. For this purpose, the nearest airport on the shortest air-route, generally accepted as the connected links enroute will only be considered. (Cir. Per/31 of 1980 dated 18.7.1980) (ii) Travel in one's own car When an officer travels in his own car, he may be reimbursed at the per kilometer rate for travel on duty upto the place of domicile/designated place. This reimbursement would, however, be subject to a maximum of the train fare by the entitled class from head quarter to the place of domicile/designated place by the shortest route in respect of himself and the eligible members of the family who travel with him. (Cir. No. Per/21 of 1992-93 dt. 9.7.92) (iii) Entitlement of fare for reimbursement to the eligible officers who travel by steamer/water transport while traveling on LFC/HTC, will be as under:Category of Officers Fare Entitlement i) Officers in JMGS-I First class by steamer ii) Officers in MMGS II & IIIif distance to be traveled is First class by steamer less than 500 kms. iii) Officers in MMGS II & IIIif distance to be traveled is Highest class by steamer more than 500 kms. iv) Officers in SMGS IV & above Highest class by steamer
(Cir.No.Per/39 dated 20.03.20 04)
6.
REIMBURSEMENT OF FARE AND OTHER EXPENSES (i) Headquarter means the place from where an officer proceeds on leave. If an officer or member of his family travels to his home town or any other place in India from a place other than his headquarters o r travels from his home town or any other place in India to a place other than his headquarters, the place where the former journey commences and the latter journey terminates shall be regarded as the headquarters of the official and is regulated accordingly. The claim will, however, be limited to the amount admissible had the journey been made from or to the actual headquarter of the official. (Cir. No. Per/31 of 1980 dated 18.7.1980) (ii) If the designated place and the headquarters are connected by air and the officer is entitled to travel and actually travels by air, he will be reimbursed with the air fare incurred. (Cir. No. Per/31 of 1980 dated 18.7.1980) (iii) Where employees have to face difficulties in getting direc t bookings by train by the shortest route while availing LFC, reimbursement by a convenient route, which is considered shortest in point of time, though it may be a little costlier than the shortest route in terms of distance, may be permitted. (Ref. Cir. No. Per/117 of 1983 dt. 24.8.83) (iv) Travel by longer/circuitous route or higher/lower class (a) If an officer is entitled to travel by air/air conditioned first class by train but travels by air and/or by a different mode o f transport or lower class by a longer/circuitous route, he will be entitled for reimbursement of actual fare incurred by him or the amount calculated on the following basis, whichever is lower : (i) Train fare by the air conditioned first class from hea dquarter to the designated place by the shortest route, or at his option. (ii) Air fare for the distance for which air travel is available by the normally accepted shortest air route and for the remaining distance air-conditioned first class fare by rail . (Cir. No. Per/31 of 1980 dt. 18.7.1980) An officer may reach the designated place/home town by a longer/circuitous route or may travel throughout or partly in a higher or lower class, or in a taxi. He will, however, be reimbursed with the actual fares/hire charges incurred by him or the cost of the fare to the designated place/home town by shortest route by the entitled class, whichever is lower. (Cir. No. Per/31 of 1980 dt. 18.7.1980) So long as the officers designated place is anywhere in India and he actually visits that place, reimbursement may be made to him for his entire journey by the circuitous route even when foreign land falls in the circuitous route adopted by an officer to go to the designated place or his home town provided reimbursement made to him is limited to the actual fare/hire charges or the cost of fare to his designated place/home town by the shortest route by his entitled class, which is lower. (Cir. No. Per/56 of 1981 dt. 30.11.1981)
(b)
(c)
(d)
(e)
(f)
(v) (a)
(b)
Under old rules (Circular No. Per/77 of 1976 dated 22.12.1976), it was provided that officers proceeding to Nepal by train/road will be reimbursed the fare by the entitled class for the distance from the place of work to the farthest point within the Indian border provided the actual distance travelled did not exceed the permissible distance. Similarly, officers who travelled by air abroad under leave fare concession were reimbursed the notional rail fare to which they were entitled upto the farthest point on the Indian bo rder, or the permissible distance from the place of his work, whichever was lower. The expenditure incurred in visiting places enroute with deviations touching the same place more than once, could be permitted with over all entitlement. However, the headquarter or the designated place cannot be touched more than once because as soon as one reaches the designated place/place of domicile/headquarter, the journey is terminated and cannot be revived. (Cir. No. Per/70 of 1987 dt. 25.7.1987) Officers visiting Foreign countries can be allowed reimbursement of travelling expenses upto that place in India where they actually Board the train/ship for foreign countries. (Cir. No. Per/85 dt. 9.11.89) Conveyance Charges Conveyance charges incurred for reaching airport/railway station and place of residence, both at the points of commencement and termination of the journey, including conveyance charges at connecting points between the transport terminus, may be reimbursed on actual basis. (Cir. No. Per/31 of 1980 dt. 18.7.1980) As regards conveyance charges from the transport termination to the place of temporary halt and from that place to another terminus or the same terminus for onward journey, it has been clarified that if the officer actually travels by the shortest route on which there is a connecting place where he has to change over i.e. he gets down from the plane and then goes to Railway Station, the expenses incurred for such transport are paid as part of the entitlement. When the offi cer takes a circuitous route or undertakes a round tour such charges at connecting points are not payable as an entitlement by the shortest route that may be permitted to be included as actuals. (Cir. No. Per/38 of 1981 dt. 21.7.1981)
(vi) Reservation Charges The reservation charges, if any, may be reimbursed over and above the amount of actual fare. (Cir. No. Per/31 of 1980 dt. 18.7.1980) (vii) Kind and period of leave for leave travel concession The concession may be availed by an officer when on leave of any kind, including casual leave. There is no stipulation as regards minimum period of leave for the purpose of availment of leave -Fare concession. (Cir. No. Per/31 of 1980 dt. 18.7.1980)
(viii) Applications for leave travel con cession The Branch Managers/Heads of the departments of Head Office should not allow any leave fare concession/home travel concession in anticipation of Head Office sanction. The officers applying for such leave should incorporate the following particulars in their applications for leave/home travel concessions and the relative travelling allowance bills before the submitting to Head Office : (a) The dates when the facility was last availed. (b) The date of promotion to Officers Cadre and also the date of joining in the case of Probationary Officers and (c) The place of domicile in case of home travel concession. (Cir. No. Staff/10 of 1972 dt. 24.1.1972) Officials are not allowed to hire Luxury Car/Luxury Taxi for official purpose/for travelling while availing LFC/HTC even though total expenditure comes within their entitlement. (Cir. No. Per/11 dt. 14.6.1997) (ix) Recall for duty from leave under L.T.C. For detailed instructions please refer to chapter on Leave Admissible to Officers. (x) Advance against leave travel concession Advance may be obtained ordinarily 30 days before the journey. However, if advance earlier than 30 days is required, the officer should undertake to produce evidence to the sanctioning authority within 7 days of availing the advance to the effect that the amount has been utilised for booking journey tickets. Wherever possible, the onward tickets may be booked through the bank. (Cir. No. Per/31 1980 dt.18.7.80) (xi) L.T.C. bills and documentary evidence As soon as possible, on return from leave and in any case not later than 15 days after return, the officer should submit his final bill. The bills should be accompanied by money-receipts or tickets. If no money receipts are available or tickets are surrendered, details of journey tickets, as also some evidence in support of visit to the designated place should be furnished. In the case of travel by own vehicle, cash memos or vouchers for purchase of petrol, toll tax receipts, if any, etc. should be furnished. (Cir.No.Per/31 dated 18.07.1980)
(xii) Leave fare concession-bills-Preventive Vigilance Contents of Head Office Circular No. Per/24 of 1980 dated the 12th June 1980 are re-produced here below: Of late, cases of submission of fraudulent leave fare concession bills are coming to light with steadily increasing frequency. While in many cases in the past employees had submitted claims supported by false railway receipts in the recent cases we observe that most of them have submitted false taxi receipts also 'evidencing' journey alleged to have been undertaken by them. It is relatively easy to obtain the latter type of receipts and the sanctioning authorities had approved of such bills without actually verifying the genuineness of such receipts. 3. It is obviously necessary for the sanctioning authorities to be more careful while passing such bills. They should be on their alert, particularly when they notice a large number of employees submitting bills/bills accompanied by receipts issued by the same tra vel agent or similar other suspicious circumstances. In case of any doubt of the genuineness of such receipts, they must not fail to make thorough and probing enquiries and, if necessary, seek the assistance of Chief Vigilance Officer in doing so. An imp ortant point to be borne in mind is that under no circumstances should they part with the Leave Fare Concession/Travelling Allowance Bills or the attached bills/receipts which are suspected to be false. 3. Submission of false bills is treated by some con trolling authorities as a minor and routine misconduct and consequently the maximum punishment inflicted is stoppage of one/two increments. A lenient view is also being taken when cases come to light of a group of employees committing similar offences. Once a lenient view has been taken in such group cases, the same yardstick is applied in subsequent individual cases also. This has evidently led to a strong feeling among at least some of the employees that the maximum punishment that will be inflicted is the stoppage of one/two increments. 4. Another surprising fact that has come to notice is, that the amounts fraudulently receipted by the employees are not immediately recovered from then when the frauds come to light. The erring employees should also not be allowed to repay the money in instalments over a period of several months. 5. We need hardly stress upon the Controlling Authorities the need for inflicting appropriate punishment in cases of frauds. The mistaken impression which seems to be current is that frauds of the nature referred to herein or embezzlement etc. for small amounts are treated leniently and, as a matter of policy, need to be corrected. We therefore, emphasis that there is no fixed or agreed scale of punishment like one or two increments and in case of frauds, cessation of service has to be the result unless warrant a lenient view being taken. 7. DRAFTING OF BANK EMPLOYEES FOR ELECTION DUTY Bank employees who are drafted for election duty will not be given any advance or payment of halting allowance for such duty. (Cir.No.Per/10 dated 25.06.2004) **********
CHAPTER 7 REIMBURSEMENT OF CONVEYANCE EXPENSES

As per the Bank's instructions, for the purpose of reimbursement of conveyance expenses, the officers are divided into two categories viz those who do not own vehicles and those who are vehicle owners. Reimbursement of conveyance expenses is made to both the categories of officers as per their scales as under:-
a) Those who do not own any vehicle :

JMGS Rs.710/- p.m.
MMGS Rs. 935/Area- II 1 lac to less 12 lac
SMGS Rs.1160/ (w.e.f.1.04.11)
b) Owners of four wheelers

Scale
Area-I Population 12 lac & above Lumpsum AGM\CM
(Populaltion details Per\18 dt.17.12.04)

Other centres Litre
petrol Lumpsu m
Litre
petrol
Litre
petrol
Four wheelers SMGS
lumpsum
1770 1770 1425 980
105 95 80 60
1300 1300 1130 725
95 85 75 55
1130 1130 955 640
85 75 70 50
MMGS-III
MMGSII
JMGS
Mgrs Dy. Mgr. Asstt. Manager
Two All officers 980 50 870 45 770 40 Wheelers * W.E.F. 01.06.09 on certificate basis @ prevailing on the last date of month (Per\ 3 dt.26.5.09 &
Per\ 7 dt.28.05.09 ) BPR initiatives-Conveyance expenses @rs.2.80 per km orRs.150\ per day Max. Rs.2500\- p.m. Per\20 dt.13.01.09 Circular No. 45 dated 30.03.2011)
Old instructions on conveyance expenses

Further, officers who are obtaining reimbursement of petrol charges are in, some months, unable to take full reimbursement because of lack of official visits and, in the following months, when they have to make larger number of visits, they stand to loose for the reason that petrol quota proves inadequate. It has, therefore, been decided that if an officer who owns a vehicle (4 wheeler or 2 wheeler) and has opted for reimbursement of petrol charges, he may be permitted to accumulate the permissible quota of petrol subject to the following: (i) Such accumulation will be permissible only upto the end of each calendar quarter (i.e. upto the end of March, June, Septe mber & December each year). Thereafter, it will stand lapsed. For example, quota of petrol unavailed in January/February can be carried over upto the month of March, whereafter it will lapse and it will not be permissible to carry over quota unavailed in March to the month of April. (ii) Where an officer proceeds on long leave (say exceeding two weeks in a month), it will not be permissible to carry over the unavailed quota in respect of that month.
(Cir No.'s Per/91 of 1987 dt. 8.9.87) 2. When officers are provided with a Motor Cycle by the Bank Officers such as RDO & Field officers etc. who have been provided with a motor cycle by the bank are not eligible for reimbursement of such expenses as expenses on motor cycle are also met by the bank. (Cir No. Per/56 of 1982 dt. 10.8.82) Notes: Where motor cycle is provided to the branch for general use and not specifically for the exclusive use of an officer such as RDO (Tech. officer agri.), Field officer etc., it would be in order to perm it the reimbursem ent of conveyance expenses incurred by such officers in a consolidated basis provided they are drawing a basic pay of Rs.3060/- P.M. (as per old scales) and above & satisfy other eligibility criteria. (Cir No. Per/95 of 1982 dt.30.11.82) At branches where Bank's Motorcycle has been provided, one helmet for use by the FO and one additional helmet in case the Motorcycle is also used by other officers, may be provided. The cost of helmet not to exceed Rs.400/ (Cir. No. Per/60 dt. 30.12.96) 3. No reimbursement on consolidated basis to internal auditors Having regard to the nature of duties of auditors, which include journeys within & also beyond a distance of 8 ks., it is considered expedient that they should claim reimbursement of expenses incurred by th em on conveyance in the discharge of official duties on the basis of detailed travelling allowance bills. No changes, therefore in the existing practice obtained in this regard are to be made. (Cir No. Per/61 of 1980 dt. 24.12.80) 4. Limits applicable when an officer officiates in higher grade or scale Conveyance expenses incurred by an officer belonging to a lower grade/scale officiating in a post categorised as one belonging to higher grade/scale, be reimbursed on a consolidated basis as applicable to the higher grade/scale, provided the officiating arrangement continues for a minimum period of one month. Where an officer officiates in such positions for less than one month, he may claim the actual expenditure incurred by him on official visits in the usual manner. (Cir No. Per/56 of 1982 dt. 10.8.82) 5. Reimbursement on consolidated basis not to be a source of profit Such reimbursement on consolidated basis will be subject to the specific conditions that the claim within limits represent actual expe nses and should not become a source of profit. It is also the intention that such practice of reimbursement of actual expenses should not degenerate into an automatic payment of a fixed amount on a certificate basis. (Cir No. Per/12 of 1980 dt. 1.4.80)
6.
Expenses on Mobile Oil In case the reimbursement is claimed against petrol bills, amount spent on petrol is only reimbursable and not mobile oil. (Cir No. Per/28 of 1990-91 dt. 5.7.90) Off icers can be reimbursed the cost of high octane fuel on actua l consumption basis under the scheme for reimbursement of conveyance expenses for use in case of new f uel eff icient models of four wheelers which provides better mileage besides creating lesser pollution. (Cir.No.Per/36 dated 27.09.2003) 7. (a) Conveyance allowance to orthopaedically handicapped employees This allowance is payable to blind and orthopaedically handicapped employees @ 5% of the basic pay only subject to a maximum of Rs.200/ P.M. as per the revised basic pay. (Cir No. Per/22 dt. 22.06.2002) It is payable in addition to the reimbursement of conveyance expenses for performance of official duties in terms of Cir. No. Per/14 dt. 17.06.2005. (Cir No. Per/22 dt. 22.06.2002)
(b)
**********
CHAPTER 8 INCENTIVES TO OFFICERS

A.
1.
HINDI EXAMINATIONS
The following are the incentives allowed to Bank Employees who pass the Hindi Examinations:
--------------------------------------------------------------------------------------------Employees Category Employees Category 'A' & 'B' 'C' & 'D' --------------------------------------------------------------------------------------------(i) Prabodh Examination of the Hindi Teaching Scheme Rs. 250/(ii) Praveen Examination of the Hindi Teaching Scheme Rs. 250/(iii) Pragya Examination of the Hindi Teaching Scheme Rs. 300/(iv) Such Hindi Examinations conducted by the Voluntary Hindi Organisations as have been recognised by the Government of India (Ministry of Education and Social Welfare) as equivalent to or higher than the Matriculation Examination Rs. 300/(v) Hindi Parichaya Examination of the Central Hindi Directorate Rs. 300/(vi) Banking oriented Paper in Hindi Indian Institute of Rs. 500/Rs. 500/Rs. 600/-
Rs. 600/-
Rs. 600/-
Bankers Rs. 300/--------------------------------------------------------------------------------------------For the purpose of the payment of the above incentives, the employees would be categorised as under:
Category 'A' Employees whose mother-tongue themselves well in Hindi. Category 'B'
is
Hindi
and
who
can
express
Employees whose mother-tongue is one of the following languages : Urdu, Punjabi, Kashmiri or the allied languages. Category 'C' Employees whose mother-tongue is one of the following languages : Marathi, Gujrati, Bengali, Oriya, Assamese and other allied languages and Sidhi. Category 'D' Employees who speak any South Indian language or English. (Cir No. Per/90 of 1988 dt. 21.9.88)
2.(a) Further employees who pass various Hindi Examinations including those for typing and shorthand (for which an incentive scheme is operative in the Bank) through their own efforts, be given an honorarium, one and a half times of t he honorarium paid to the employees who pass the examination after attending classes, for which banks provide these facilities as per the scheme. (b) If an employee obtains 70% or more marks in examinations for which an incentive scheme is operative, he m ay be given an honorarium equivalent to one and a half times of the normal honorarium. If an employee meets both the requirements as given in (a) and (b) above, he be given an honorarium twice the amount of the normal honorarium. Officers who give maximum number of dictations in Hindi be considered for cash award on Zonal/Circle basis as under:
(c) 3.
(i)
If the Zone/Circle falls in Region 'C' I Prize II Prize : : Rs. 1,000/Rs. 500/-
(ii)
III Prize : Rs. 250/If the Zone/Circle falls in Region 'B'
I Prize : Rs. 500/II Prize : Rs. 250/(iii) If the Zone/Circle falls in Region 'A' 4. I Prize : Rs. 250/If bank employees work as part time instructors for teaching Hindi typing and stenography, they may be paid an honora rium as under: Region 'A' : If the number of trainee employees is upto 5, Rs. 50/ - per month and if the number is more than 5, Rs. 100/ - per month. Region 'B' : One and a half times of what is admissible in Region 'A'. Region 'C' : Twice of what is admissible in Region 'A'. (Cir No. Per/10 dt. 15.6.95)
B.
1. 1.
REIMBURSEMENT OF TUITION FEE & PAYMENT OF HONORARIUM

DIPLOMA IN BUSINESS FINANCE (DBF), ICFAI , HYDERABAD The Institute of Chartered Financial Analysis of India (ICFAI) Hyderabad have restructured the Diploma in Basic Finance Programme to Diploma in Business Finance (DBF).
Following incentives are available to the officers who successfully complete the Diploma:i) To reimburse the Admission Fee, Programme Fee and Examination Fee upon successful completion of the DBF Programme of ICFAI on actual basis without any ceiling and on production of the satisfactory and acceptable proof of the payment of fees. The fees for training classes are not reimbursed. The present schedule of fees is Rs.20,100 /-. ii) To pay the differential in the amount of actual fees paid and the amount reimbursed by the Bank as per the extant instructions, as a special case to those who have passed the examination after April 2001. iii) To pay an honorarium of Rs.5,000/ - for successful completion of the DBF Programme of the ICFA effective from 01.02.2002. (Cir.No.Per36 dated 03.01.1994 and Per/44 dated 20.02.2003) 2.
SCHEME FOR REIMBURSE MENT OF TUITION FEES ETC. AND PAYMENT OF HONORARIUM TO STAFF MANAG EMENT SUBJECTS OF INTEREST TO THE BANK- CERTIFIED INFORMATIO N SYSTEMS AUDITOR (CISA) EXAMINATION CONDU CTED BY EDP AUDITORS ASSOCIATION INC., (EDPAA), U.S.A. 1. In terms of extant instructions our employees who successfully pursue the course in computers through institution s recognised by us specifically for the purpose are reimbursed with tuition fees etc. and are also paid honorarium of Rs. 500/-. 2. In view of the acceleration in pace of computerisation in various sectors including Banks, Computer Audit (also referred t o EDP Audit or Information System Audit) has emerged as an important discipline relevant to banking. With a view to encouraging the officials of the Bank to acquire proficiency in Computer Audit, it has been decided that the Certified Information System A uditor (CISA) course conducted by EDP Auditors Association Inc. (EDPAA), U.S.A. be recognised as one of the courses under our above scheme and to reimburse the following course to officers who successfully complete the above course:
- Examination fee and Registration fee on actual basis - Membership cost as an additional incentive w.e.f. 1.1.2003 will reimbursed as under:ISACA, USAUS$ 120/Local Chapter of ISACA in IndiaVarious between Rs.500/Rs.1000/- P.A. (Cir.No. Per/2 dt. 8.4.1997, Per/24 dt.4.9.1999 1.7.2003) & Per/14
& dt.
3. The scheme is open to all confirmed officers of the Bank subject to the following conditions: (i) Cost of themselves. books/study materials have to be borne by the officers
(ii) To and fro travel expenses to the place of examination will not be reimbursed. (iii) The facility can be availed of by an official only once i.e. eligible reimbursement and payment of honorarium would be limited only to the successful attempt. (iv) Remittance in foreign exchange towards examination fees etc. would have to be arranged by the officers themselves in terms of the Exchange Control Regulations, Bank will not take any responsibility therefore. (v) No advance will be granted by the Bank for the purpose. (vi) Prior permission will have to be obtained from the appropriate authority i.e. Chief General Manager. (vii) No special leave need be sanctioned for completing the CISA Examination. (viii) All other instructions under our existing scheme for reimbursement of tuition fees etc. for computer courses would apply in this case also. 4. The officers who desire to undertake the course may submit his/her application as per the enclosed format. 5. Managing Director has been vested with necessary discretionary powers to make relaxations in eligibility criteria within the approved policy. (Cir No. Per/22 dt. 30.9.95) 6. The amount of honorarium payable has been revised from Rs.500/ to Rs.2000/- in respect of the employees who complete the said courses approved under the scheme on or after 6th June 1996. (Cir No. Per/47 dt. 11.10.1996) 7. Any officer will be eligible for pursuing a course each under both the schemes i.e. CISA (under the scheme for reimbursement of Tuition Fee etc. in respect of courses in management subje ct of interest to the Bank) and the incentive scheme for computer application. (Cir No. Per/2 dt. 8.4.1997) 8. Provision for reimbursement of Annual maintenance fee payable by CISA qualified officials to keep their certification alive and payment of honorarium of Rs. 10,000/- on qualifying CISA. (Cir No. Per/24 dt. 4.9.1999)
Format
Application for Reimbursement of Examination fees, etc., and payment of honorarium on successful completion of the CISA Examination conducted by EDP Auditors Association Inc., U.S.A. Bio-data of the official : 1. Name of the Officer : 2. Grade : 3. Designation : 4. Branch/Office where working : Since 5. Date of Birth : Age __________ Y __________ m (as on date) 6. Joined the Bank as ______________ on __________ __________ 7. Entered Officers' cadre as : 8. Total confirmed service : ________________ Y ______________ m 9. Educational Qualifications : 10. Position of CAIIB : 11. Technical Qualifications : (in computer field) 12. Past experience : Place Designation From To a) At Branches (as Acctt/FO/BM, etc.) b) In Admn. Deptts. c) Mechanised Accounting Branches d) Verification Audit or Dy./Branch Inspection Details of the Examination and Expenses Incurred: 13. 14. 15. Date of CISA Examination: Registration No. : Centre / Venue Date of Passing : (Copy of certificate attached) Reimbursement claimed in respect of the following expenses : Amount US$**Rupee Equivalent paid : : : : :
a) b) c) d) e)
Examination fees Registration fees Cost of sample Test Booklet/Diskette Cost of Candidates' Guide for CISA exam. Travelling Expenses ***
________________________________ Sub Total Add : Honorarium payable Total Payable
________________________________ ________________________________
(**Copies of receipts/evidence of remittance attached) (***Copy of travelling expenses bill attached). Certified that the above mentioned expenses have actually been incurred by me in connection with the CISA Examination. STATE BANK OF PATIAL A __________________________ Signature Date
3. DIPLOMAS/SHORT COURSES IN COMPUTER APPRECIATION PROGRAMMING: REIMBURSEMENT OF FEES AND PAYMENT OF HONORARIUM
&
Computers are being introduced in a phased manner in the Banking Industry to cope with the present day needs of customer and his satisfaction. The training system also needs gearing up to meet with the challenges emerging out of this introduction. Looking into this aspect and to inculcate among our staff the will to take up voluntarily certain programmes conducted by reputed institutions, we have now designed a scheme which offers certain incentives to our staff to acquire proficiency in the computer area. The scheme would permit members of staff both officers and clerical to take up short term certificate/diploma courses in the computer area. On successful completion of such courses by the employees, they would be reimbursed the tuition fees etc. and will also be paid an honorarium of Rs.500/-. The details of the scheme are as follows: (i) Supervising/Clerical Staff of the Bank will be eligible under the scheme. (ii) An employee may avail of the benefits under this scheme only once. But this is in addition to the other Management Programmes. (iii) Only courses offered by institutions specifically recognised under the scheme would be covered. A list of such institutions is as under. (iv) The course should include a minimum of 120 hours tuition and the maximum duration should not be more than one year. (v) The courses should offer proficiency in at least one computer language on modern computer system. (vi) The Certificate/diploma issued by the Institution should indicate the proficiency acquired by the employee and s hould not merely be a certificate of attendance. (vii) The course should be part-time and outside the employee's working hours. (viii) Employees sponsored by the Bank for any computer course will not be eligible for benefits under the scheme in respect of such course. (ix) The competent authority to grant such permission will be the concerned controlling authority. Employees must seek prior approval. )x) The scheme is effective from 1st November, 1985. (xi) The employees may join course at a centre oth er than the place of their posting by availing themselves of their leave. (xii) Reimbursement of tuition fees and payment of honorarium to such employees on their successful completion of Computer Courses would also be considered. Cir No.'s Per/129 of 1985 dt. 9.12.85 & Per/79 of 1988 dt. 23.8.88
List of Computer Training Institutes 1. Computer Society of India, Bombay (and other centres) 2. National Institute for Training and Industrial Engineering, Bombay. 3. CMC Limited, Bomaby (and other centres) 4. Tata Institute of Fundamental Research, Bombay. 5. Indian Institute of Technology, Bombay, Kanpur, Kharagpur, Madras, New Delhi. 6. Regional Computer Centre, Pune, Chandigarh, Calcutta. 7. Indian Statistical Institute, Calcutta. 8. Indian Institute of Sciences, Bangalore. 9. Birla Institute of Technology & Science, Pilani. 10. Electronics Corporation of India Ltd., Hyderabad. 11. Indian Institute of Management, Ahmedabad, Bangalore, Calcutta. 12. Jamnalal Bajaj Institute of Management Studies, Bomb ay. 13. Aligarh Muslim University, Aligarh. 14. Jadhavpur University, Calcutta. 15. Jawaharlal Nehru University, New Delhi. 16. University of Bombay. 17. University of Roorkee. 18. Administrative Staff College of India, Hyderabad. 4. REIMBURSEMENT OF TUITION FEES ETC. AND PAYMENT OF HONORARIUM IN RESPECT OF DIPLOMA PROGRAMME IN SUBJECTS OF INTEREST TO THE BANK 1. The current instructions in regard to the scheme for payment of tuition fee & Honorarium in respect of Diploma programme in respect of subjects of interest to the Bank are, inter alia, as under : (i) The scheme covers all officers and clerical staff who have put in a minimum total service of 5 years in the Bank. (ii) The scheme covers one year Diploma/Certificate Courses in Management subjects of relevance to the Bank -part time as well as correspondence-conducted by the recognised Universities/Indian Institute of management and the Indian Society for Training and Development. 2. Further, the Executive Committee at their meeting held o n 30th July, 1984 has approved to include one year Diploma/Certificate Courses (part time and correspondence) in Management subjects of relevance to the Bank conducted by the Bhartiya Vidya Bhawan under Para (ii) of the said scheme.
3. Further, the Executive Committee at their meeting held on 20.8.1985 have approved to cover the Post -Graduate Diploma in Management of Personnel & Industrial Relations also offered by the All India Management Association (AIMA), New Delhi which is a correspondence course of 1 years duration, inclusive of Project work. The other terms and conditions as approved by the Executive Committee at their meeting held on 30th July, 1984 remain unchanged. Cir No's Per/3 of 1988 dt. 13.8.88 & Per/97 of 1985 dt. 29.8.85 It has been decided to permit the CISA qualified officials to become members of Information Systems Auditor & Control Associations (ISACA), USA and local chapter of ISACA in India and reimburse them the membership cost as an additional incentive w.e.f. 1.1.2003. (Cir No. Per/14 dt. 1.7.2003) 5. REIMBURSEMENT OF EXAMINATION FEE & PAYMENT OF HONORARIUM FOR DIPLOMA EXAMINATIONS OF INDIAN INSTITUTE OF BANKERS (IIB) MUMBAI: The Indian Institute of Bankers (IIB) has designed the following five Diploma Courses to help bank employees acquire the required competence to meet the challenges of market-oriented approach, globalization, financial sector reforms and competition in the financial sector: i) ii) iii) iv) v) Diploma in Treasury, Investment & Risk Management Diploma in Capital Markets and Merchant Banking Diploma in International Banking and Finance Diploma in Banking Technology Diploma in Advanced Rural Banking
Candidates can apply for only one diploma at a time. Examinations for the Diplomas will be held once a year. Candidates will have to complete the Diploma in a maximum of three attempts within a time limit of five years. The IIB has fixed a fee of Rs.5,000/ - for each diploma, which includes the cost of study material. Candidates appearing for the D iploma Examination in Banking Technology will be required to do Project Work and the additional fee for the same is Rs.500/-. Candidates will have to secure minimum marks of 50% or more in each subject. Following incentives are available to the employees of our Bank who successfully complete the Diploma examinations of the IIB:
a) Reimbursement of the examination fee to the successful candidates who pass the diploma course within the time frame stipulated by the IIB. Employees who complete the Diploma Examination in Banking Technology may be reimbursed additional fees for project work. b) Payment of honorarium of Rs.2,000/ - (Rupees two thousand only) to employees who complete the diploma course as per the guidelines prescribed by the IIB. Employees who pass the examination in one attempt with distinction (as defined by IIB) may be paid a higher honorarium of Rs.3,000/ (Rupees three thousand only). The employees will be eligible for the incentives subject to the following conditions: a) The facility of reimbursement of fees and payment of honorarium will be extended to an employee only for one diploma course. b) The employee will have to seek prior permission from the Bank before taking up the course. The competent authority for the purpose will be the Controller of the employee, not below the rank of Assistant General Manager. c) Employees will have to produce the original Diploma awarded by the IIB for obtaining reimbursement of the examination fee and payment of honorarium. d) A noting will be made in the service sheet of the employee acquiring the Diploma. (Cir. No. Per/26 dated 28.11.2003) 6. INCENTIVE SCHEME FOR PROFESSIONAL QUALIFICATIONS - ORACLE CERTIFIED PROFESSIONAL EXAMINATION The following two certifications by ORACLE will b e eligible for incentive under the schemei) ORACLE Certified Professional Database Administrator ii) (OCP- DBA) (any version) ORACLE Certified Professional Internet Application Developer (any version)
Incentive:i) Reimbursement of examination fe e on actual basis upto a maximum of Rs.30000/- on production of receipts/satisfactory documentary evidence. ii) Honorarium of Rs.5000/-. (Cir. No. HRD/01 dated 12.06.2003)
C.
1.
MISCELLANEOUS INCENTIVES
PROVISION OF NEWSPAPERS/MAGAZINES
BOUR (1/3rd FURNITURE REQUIRED): Casual labour (per day) Cir. No. Per\ 19 dt.24.8.07 Rs.10/- per day Rs.15/Rs.25/Rs.50/Rs.75/Rs.75/-
PROVISION OF NEWS PAPERS \MAGAZINES\CASUAL LA Scale Amount per month (Rs.) ON CERTIFICATE BASIS (Circular No. Per\ 21 dated 27.12.06) JMGS-I Rs.350/- p.m. MMGS-II\III Rs.500/SMGS-IV Rs.700/SMGS-V Rs.700/TEGS-VI Rs2000/TEGS-VII Rs.2500/-
2.
PROVISION OF BRIEF CASES (a) Officers who are required to frequently carry files/papers etc. while on tour are provided with the facility of provision of a brief case once in three years by debit to charges a/c Misc. subject to the following ceilings :
PROVISION OF BRIEF CASE :
Once in three years Max.Ceiling JMGS Rs.1800/MMGS Rs. 2300/- SMGS Rs.3000/- TEGS-VI/VII Rs.3500\- TEGS-I/II Rs.5000/- (Per/34 dt. 29.03.10)
(b) Delegation of powers for providing Brief cases/ Principal approval for purchase of brief case Off icers Posted At____________ Branches RO/ZO Head Off ice i) Upto SMGS- V: CA DGM DGM (concerned) ii) Off ices in TEGS- VI GM GM GM iii) Officers posted at DGM headed branches: DGM --(Cir.No.Per/1 dated 01.04.2005 & Per/7 dated 26.04.2005) Others:(a) There is provision for four mosquito nets, once in t hree years, within an overall ceiling of Rs.2000/- at the residence of the officers. (Cir. No. Per/78 dt. 22.3.1997) It has been decided to provide mosquito terminators/insect terminators within the overall cost ceiling of Rs.2000/- in lieu of mosquito nets at the residence of officers. (Cir.No.Per/04 dated 09.04.2002)
(b)
(b)
Officers in SMGS-V and SMGS-IV will be reimbursed expenditure of Rs.25/- and Rs.10/- per day respectively for engaging casual labour to attend to the maintenance of furniture/fixture etc. provided by the Bank at their residences. (Cir. No. Per/24 dt. 30.6.2001) Provision of mosquito terminators/insect terminator within the overall cost ceiling of Rs.2000/- once in 3 years in lieu of Mosquito Nets.
(Cir. No. Per/04 dt. 9.4.200
(c)
3. i)
REWARD SCHEME FOR TH OSE WHO DIE/GET INJURED WHILE ON DUTY RESISTING DA COITS/ROBBERS In case of death of an employee as a result of or during bank robbery and attacks by terrorists on bank employees during as well as after office hours in any part of the country, the family of the deceased will be given compensation by the bank as follows: In case of death of Officers SMGS-IV onwards Officers Scale - I to III Clerical Staff Sub Staff Rs. 5 lac Rs. 3 lac Rs. 2 lac Rs. 1 lac
ii)
The bank concerned will look after the educational expenses of the children of the deceased up to and inclusive of graduation. iii) In case of bank employees and customers/mem bers of public who actively resist bank robberies and terrorist attack on banks, the banks may consider a cash reward not exceeding Rs. 50,000/ -. In addition, bank employees may be given an out of turn promotion, if they satisfy the conditions of eligibility prescribed for direct recruitment to the post but without reference to the number of years of service rendered. Employees not covered by the above criterion, may be allowed three advance increments in their existing grade on permanent basis. All expenses for treatment of injury including hospitalisation of the victims including bank employee, members of public/member of police forces etc., shall be borne by the bank. The cash reward mentioned in clause (vi) above, will be in addition to the compensation, if any, to which the person may be entitled to under the provisions of various Acts/Rules governing him/her.
(Cir. No. Per. 81 Dt. 20.12.91 )
iv)
v)
vi)
Bank employees who sustain injuries during the course of bank robberies/dacoities or as a resu lt of terrorist attack may be given special leave for the period of treatment on production of a certificate from the station house officers in whose jurisdiction he/she was injured.
vii) The power to sanction cash reward and other facilities available un der the scheme are detailed in Cir. No.Per/41 dt. 7.1.2003. Revised scheme for payment of compensation with event of death while on duly or as a result of Dacoity/Robbery/Attack by terrorists or disability/serious injury etc. suffered while on duty.
(Cir. No. Per/41 dt. 7.1.03)
4.
SCHEME FOR PAYMENT OF EX-GRATIA LUMP SUM AMOUNT IN LIEU OF APPOINTMENT ON COMPASSIONATE GROUNTS IN STATE BANK OF PATIALA
This Scheme is in supercession of the earlier Compassionate Appointments Scheme circulated vide Circular No.Per/134 dated 4th October, 1983 as amended from time to time. The new Scheme provides for payment of ex-gratia lumpsum amount to the dependants of the employee who dies while in service or prematurely retires due to incapacitation before reaching the age of 55 years, subject to eligibility as laid down in the subsequent paragraphs, instead of appointment on compassionate grounds, even in case of death while on duty/death due to dacoity/robbery/terrorist attack etc. The Scheme covers only confirmed, regular employees who are serving full time or part time on scale wages at the time of death in harness/premature retirement on medical grounds before attaining 55 years of age and does not cover any one engaged on contract, temporary, casual/part-time on consolidated wages or any person who is paid commission, fee or service charges etc. Ex-gratia relief in lieu of compassionate appointment under the Scheme is not an entitlement, but may be granted at the sole discretion of the Bank in deserving and eligible cases of death in harness and incapacitation leading to premature retirement before 55 years of age, where dependants of such employees are left in penury and without any means of livelihood and that unless some immediate financial succour is provided, a family would not be able to tide over the financial crisis caused by the sudden deprivation of the income of the deceased employee. Only Indian citizens will be considered eligible under the Scheme. The employees who had attained the age of 60 years at the time of death and had not actually retired on account of provision regarding retirement on the last day of the month or for any other reason shall not be eligible for ex-gratia relief. Employees seeking premature retirement due to incapacitation before 55 years of age and whose service records are blemished on account of disciplinary action having been taken against them, will also not be eligible for the ex-gratia lump sum amount under the Scheme. Ex-Gratia: Ex-gratia on compassionate grounds in lieu of compassionate appointment may be granted to the family of the employee, subject to the ceilings specified below, if the monthly income of the family from all sources calculated in the manner shown below in Paragraph B is less than 60% of the last drawn gross salary (net of taxes) of the employee. The family shall be deemed to be eligible for ex-gratia payment if the income so arrived at is below 60% of the gross salary (net of taxes) last drawn, and ineligible if it is 60% or more of the gross salary (net of taxes). The Ex-gratia will be paid to the family of the deceased employee or the employee who has retired due to incapacitation, if eligible under the Scheme, within three months of the receipt of the application, complete in all respects.
Financial Condition of the Family A. The following sources of income/liabilities of the family of the deceased/retired employee shall be taken into account for determining financial condition of the family:i) Pension, including family pension, if any. ii) Terminal benefits like gratuity, encashment of leave, employees and employer contribution to Provident Fund etc. iii) Compensation/amount paid by the Bank iv) Proceeds of LIC/any other companys life or other (with accident) insurance policies. v) Investments/deposits in SBP or other organizations like Public Sector Banks/other banks/post offices/mutual funds etc. and income therefrom. vi) Income of the dependants from rent, employment, professional or vocation or any other source vii) Movable assets and immovable property (including agricultural land, groves etc.) and income therefrom. viii) Loans taken from the Bank, other dues payable to the Bank and/or other financial institutions with the prior approval of the Bank. ix) Any other income of the family. Note: Compensation paid under clause A(iii) above will not include the following compensation:a) The compensation paid to employees based on Governments guidelines in the event of death/disability/serious injury suffered by the employee while on duty as per the Scheme-I circulated vide Circular No.Per/41 dated 7.1.2003. b) Compensation paid to employees who are killed/injured in dacoities/robberies/terrorist attacks and rewards introduced under Government of Indias guidelines as per Scheme-II circulated vide Circular No.Per/41 dated 7.1.2003. c) Monetary compensation paid to Award employees under Workmen Compensation Act, 1923. B. Calculation of Monthly Income of the Family (1) Terminal Benefitsi) Provident Fund ii) Gratuity iii) Leave Encashment iv) Any other amount paid under Banks Scheme(s) v) Compensation etc. (other than those paid in terms of circular No.Per/41 dated 7.1.03) Sub Total (A) Rs.____________
(2)
Liabilitiesi) Loans taken from Bank and/or other financial institutions with prior approval of the Bank ii) Any other dues payable to Bank Sub Total (B) Rs.____________ Rs.____________
(3) (4)
Net Terminal Benefits (C) (A-B) Investments i) Deposits ii) NSCs iii) PPF iv) LIC/Other Policies v) Shares vi) Others Sub Total (D) Net Corpus Available (E) (C+D)
Rs.____________ Rs.____________
(5) (6) (7) (8)
Detail of Movable Property, if any, held And monthly income derived therefrom Details of Immovable Property, if any, held And monthly income derived therefrom Monthly Income of the family from all sources:i) Monthly notional interest at the Banks maximum term deposit rate applicable to public on 80% amount of the net corpus available (E) @: ii) Weighted Average Pension # : iii) Monthly Income from Movable and Immovable Property : iv) Monthly Income of dependant family members : v) Any other monthly income :
Total Monthly Income of the Family: Rs____________ @ The comparison is being made with 80% of the income on net corpus available in order to allow for certain immediate expenses viz. funeral, medical, childrens education etc. which the family has to spend from out of the moneys available after death. # Average of full pension and family pension (including dearness relief) payable up to the date of superannuation of the deceased. In case of the employees retired on medical grounds, only full pension (including dearness relief) will be taken into consideration. For the calculation of weighted average pension, as the dearness relief of the future date will not be known, the amount of dearness relief applicable at the time of death for the amount of applicable family pension will be taken into account. Amount of Ex-Gratia: In case the monthly income of the family as calculated above is less than 60% of the last drawn gross salary (net of taxes) of the employee, an ex-gratia amount calculated @ 60% of the last drawn gross salary (net of taxes) for each month of remaining service of the employee (i.e. up to the age of superannuation in terms of extant service rules/conditions) at the time of his death/incapacitation, subject to a Maximum Amount of Rs.8.00 lac for supervising staff will be payable. a) Amount of Ex-gratia relief, if payable, will be paid to spouse or the dependant family member nominated by the family. Where there is dispute amongst the claimant(s), the claimant(s) will be required to produce necessary court order from a competent Court of Law. b) In case of employees retiring prematurely due to incapacitation, the exgratia relief shall be payable to him only. In the event of his death before receipt of ex-gratia relief, the payment will be made as per procedure detailed above in (a). c) Payment of ex-gratia relief will be considered, provided a request in writing is made on the prescribed application form by the dependant within 6 (six) months of date of death. In case of employee retiring on medical grounds before completing 55 years of age with Banks approval, the application must be submitted within two months from the date of retirement on the prescribed supported by the prescribed affidavit and letter of authorization from the dependants. Managing Director may condone the delay, not exceeding three months, in deserving cases and on merits of each case.
Competent Authority for Sanction of Ex-Gratia: The ex-gratia payment under the Scheme shall be made only with the prior sanction of the Competent Authority as under:A. For employees working in Branches (excluding Top Executive Grade Officers)- The CGM will be the Competent Authority for approving proposals provided these do not involve any deviation like delay in submission of applications etc. B. For employees (excluding Top Executive Grade Officers) working in Head Office and its establishments or deputation to Associates/Subsidiary or other organizations: The Managing Director will be the Competent Authority for approving proposals. C. For all cases involving condonation of delay: The Managing Director shall be the Competent Authority for approving the proposal in all cases involving condonation of delay in submission of application. D. In case of Top Executive Grade Officers: The Managing Director will be the Competent Authority for approving the proposals relating to Top Executive Officers. Miscellaneous Provisions of the Scheme i) The ex-gratia relief under this Scheme does not confer any right or entitlement on/to any claimant for any reason whatsoever. The grant of exgratia relief is purely at the sole discretion of the Bank on being satisfied that dependants of the employees dying in harness or employees retired due to incapacitation to work are eligible in all respects as per provisions of the Scheme. ii) The dependants of employees who have died and whose service records were blemished on account of disciplinary action having been taken against them, will be considered under the Scheme as this is a welfare measure and the families should not suffer for their acts. Similarly, where the employees were facing disciplinary action at the time of death, the cases will be treated as abated. The payment of ex-gratia will be considered in such cases also. However, the employees seeking premature retirement due to incapacitation before 55 years of age and whose service records are blemished on account of disciplinary action having been taken against them, will be ineligible for payment of ex-gratia lump sum amount under the Scheme. iii) The applicant(s) will state only the facts and it will be supported by records. Such application enjoins a duty on the person(s) who is/are making the application to truly represent all the facts within his knowledge. Misrepresentation or no-disclosure of any material facts will have the effect of committing a fraud and as soon as it is discovered, the entire compensation (exgratia) under the Scheme shall be withdrawn. Applicant(s) will swear to an affidavit as to the facts stated in the application. Bank will have the right to verify the facts/assets/income of the family and in case of need, may call the applicant(s) along with the relevant documents for verification.
iv) The families of missing/absconding employees are not eligible under the Scheme. However, the Banks Board may consider and take a view on a case to case basis in the cases of employee missing for more than 7 years and declared dead by the Court. v) With effect from the date this Scheme comes into force, the Banks Scheme of Compassionate Appointments shall be deemed abolished/withdrawn and no request for compassionate appointment will be entertained or considered under any circumstances. vi) The incapacitation to work because of reasons of accident, injury or illness, including blindness, will be decided by the Bank as per its rules and systems and procedures prescribed therefore. The premature retirement of any employee due to incapacitation to work should be effective before his completing 55 years of age and should have the approval of the competent authority as per Banks rules. vii) In the cases of employees seeking premature retirement due to incapacitation before reaching the age of 55 years, the payment of ex-gratia lump sum amount under the Scheme will be subject to deduction of tax at source. viii) The recommendations for payment of ex-gratia lump sum amount on compassionate grounds has to be submitted to the appropriate authority on the format prescribed for the purpose. (Cir.No.Per/33 dated 24.11.2005)
5. (a) PAYMENT OF FUNERAL EXPENSES TO THE DEPENDANTS OF LATE EMPLOYEES It has been approved by the Board of Trustees of SBOP Employees Provident Fund Trust that the dependents of employees who die in harness be paid Rs.5000/- towards Funeral Expenses out of lapses & Forfeiture Fund. The remaining conditions of the scheme already in vogue in terms of Memo No. PFG/3 dt. 6.10.88 will remain unchanged. (Memo No. PFG/1 dt. 10.8.95) It has also been approved by the Trustees of SBOP Employees Provident Fund Trust on 27.12.95, to extend the facility of Funeral Expenses of Rs.5000/- out of Lapses & Forfeiture Fund to the heirs of retired employees also. The remaining conditions of the scheme already in vogue will remain unchanged. Memo No. PFG/5 dt. 31.1.96 PFG/3 dt. 6.10.88
(b)
6.
PERMISSION TO CONTES T/TAKE PART IN GENER AL ELECTIONS In line with Reserve Bank of India directives and Government of Indias instructions, f ollowing activities on the part of the Bank employees are prohibited:i) To be an Off ice bearer of political party or an organisation which takes part in politics; ii) To take part in or assist in any manner in any movement/agitation or demonstration of a political nature; iii) iv) To take part in an election to any legislature or local authority; and To canvass in any election to any legislature or local authority.
Accordingly, Bank employees are restricted f rom contesting/seeking election to Parliament/Legislative Assembly/Local Bodies etc. (Off ice Memorandum No.4 dated 12.04.2004) (iv) Drafting of Bank Employees for Election Duty The Indian banks' Association hav e advised that the Supreme Court, in a recent judgment, has held that the District Election Officer has no power under section 26 of the Representation of the People Act, 1951 to requisition the services of employees of banks for election duty. The court has further held that the Election Commission can only requisition the services of those Government servants who are appointed to public services and posts under the Central/State Governments. Article 324 of Constitution of India does not enable the Elect ion Commission to exercise untrammeled powers. (Cir No. Per/7 dt. 3.6.95) The Bank will not give any advance or pay halting allo wance, overtime f or such duty. (Cir.No.Per/10 dated 25.06.2004) 7. GRANT OF SPECIAL LEAVE FOR TREKKING EXPE DITION It has been decided that the special leave facility be extended to bank employees for participation in Trekking Expeditions on the following terms : (a) Special leave facilities for mountaineering/trekking expeditions may be granted by the banks provided the exped itions are approved by the Indian Mountaineering Foundation. The special leave facilities for mountaineering/trekking expeditions shall not exceed 30 days on one occasion and not more than three occasions in the employees entire career, with a gap of at least two years between two expeditions. In exceptional circumstances, the gap of two years could be relaxed at the employer's discretion. For each such expedition, there should be approval of the Indian Mountaineering Foundation and a certificat e should be produced of having participated in the approved expedition. Adhoc loans where essentially required for outfit etc. and or for supplementing (subject to exchange control clearances) the fellowship/assistantship amounts.
(b)
(c)
(d)
All such cases for grant of special non -cumulative leave will continue to be submitted to the General Manager (OP) for prior approval. (Cir No. Per/7 of 1990 -91 dt. 25.4.90)
8. INCENTIVES/FACILITIES STUDIES
TO
OFFICERS
TAKING
UP
OVERSEAS
As a part of long term human res ources development programmes, it has been decided by the Bank to extend assistance to the officers of the Bank who are desirous of proceeding to Universities/Institutions abroad for Ph.D./Master's Degree/other specialised studies in areas beneficial to th e Bank after arranging for the fellowships/assistance etc. themselves. The officers in the age group of 35 to 45 years may be given assistance as under : (a) Cost of passage. (b) Special leave without impairing seniority and promotions. (c) Payment of certain emoluments during the period of special leave for subsistence of the family or residential accommodation provided by the bank. (d) Adhoc loans where essentially required for outfit etc. and/or for supplementing (subject to exchange control clea rances) the fellowship/assistantship amounts. The officer concerned will be required to serve the bank for a minimum period of 5 years after his return so that full benefits of the assistance may be derived by the bank. Suitable bonds/undertakings in th is behalf with adequate financial stake should be got executed from the concerned officer. Each case for this assistance will be considered on merits based on the nature of courses/studies proposed to be undertaken and whether such study will be beneficial to the Bank. The requests received under this scheme should be forwarded to the Controlling Authority for consideration. (Cir. No. Per/45 dt. 13.10.1976) 9. INCENTIVES/FACILITIES TO EMPLOYEES UNDERGOING TRAINING UNDER CIVILIAN RIFLE TRAINING SCHEME The governments of the States of Punjab and Haryana have adopted a scheme, sponsored by the Government of India, for imparting rifle training to the civilians at charge of Rs.7.50 (in Punjab) and Rs.7.00 (in Haryana) per head through the Departments of Ho me Guards. The duration of training is ten days. As rifle training for every able bodied person is considered desirable in the national interest, the employees of the Bank are allowed to undergo rifle training which is arranged by the Department of Home Guards. To motivate and encourage the employees to receive the said training, the charges in connection therewith and borne by the Bank. The Branch Managers/Departmental Heads at Head Office should allow the employees working under them to receive the above training, only after working hours as and when they are approached by the Department of Home Guards. (Cir. No. Per/2 dt. 4.2.1976)
10. INCENTIVES/FACILITIE S TO EMPLOYEES JOINI NG COMBATANT OR NON COMBATANT FORCES AND /OR DEFENCE FORCES
1. The employees, to the extent possible may also be permitted to join combatant or non-combatant forces in addition to the civil defence organisations as Home Guards, Territorial Army, Auxiliary forces etc. The employees so released on full time basis are entitled to emergency leave on the following terms and conditions: (a) Where the emoluments drawn by the employees from the Government are less than those that would have been payable had they remained in the bank's service, the difference be made good by the Bank ( for this purpose the employees will continue to earn usual annual increments in their respective grade). In the case of employees drawing from the Government more than their emoluments in the Bank, they will be permitted to retain the excess amount with them. (b) The employees and the Bank will both continue to make their respective subscriptions at the usual rates towards provident funds, as also pension fund where applicable. (c) 'Emergency Leave' be counted as service for pension as well as for the purpose of accumulating ordinary or privilege leave, subject to the maximum available under the employees' respective service rules, provided such employees do not earn or enjoy leave under the rules of the Army or other defence organisation which they join and, (d) If there by any liability towards monthly repayments on account of various advances availed of from the Bank or from the Provident Fund, each employee should make his own arrangements to remit the instalments regularly, unless the difference, if any, payable by the Bank will cover such commitments. (Cir No. Staff/36 dt. 2.5.1972) 2. Emoluments drawn by employees from the Bank referred to, above include substantive pay, dearness and house rent allowance as also special allowance like Head Clerk's or Stenographer's allowance but not acting, officiating or local allowance. (Cir No. Staff/36 dt. 2.5.72) 3. All applications submitted by the employees seeking permission to join the above noted forces/organi sations will be forwarded to Head Office by the Branch Managers with their comments/recommendations specifically advising if it would be possible for them to release such employees without dislocating the work of the Bank. (Cir No. Staff/36 dt. 2.5.72) 4. Employees who were released for defence service in the emergency (1962) were granted 'Emergency Leave' for the period they remained attached to such service. For the purpose of interview, medical examination etc. in connection with their joining military service, the period of their absence from duty was treated as special leave, when they were selected for military service, provided no ordinary/privilege leave was due to the employee concerned. (Cir No. 1457 dt. 3.3.1964)
5. It was decided by the Government of India that all permanent Civil Government servants, who were permitted to take up military service during emergency (1962) should be allowed to retain lien on their civil posts during the period of their absence on military service so as to enable them to return to their civil posts on release from military service. Temporary Civil Government servants who were permitted to take up military service, if they so applied were to be permitted to return to their civil posts on re lease from military service provided these posts were still in existence and service rendered was approved military service. It was also decided in consultation with the Ministry of Finance that in the case of Civil Government servants who were permitted to take up military service during the emergency that service should be treated as service out-side the ordinary line and they would be entitled to Performa promotion in their parent department under the rules and also the seniority in the higher posts to which they would otherwise have been entitled, if they had not proceeded on military service. (Cir No. Staff/49 dt. 18.7.72) 11. INCENTIVES/FACILITIES TO EMPLOYEES JOINING OFFICIALLY SPONSORED AUXILIARY POLICE ORGANISATION LIKE HOME GUARDS ETC. The matter of granting facilities to those Bank employees who wish to be enrolled as Civil Defence Volunteers, Home Guards etc. was considered by the Indian Bank's Association. As volunteers play an important role in the life of citizens, the Bank decided to cons ider the request of its employees who wish to join Civil Defence Service and provide them necessary facilities for this purpose. It has, however, to be ensured that 'No Objection Certificate' to join the above service is given only to those employees who are not holding key posts or cannot be released due to the nature of their job. As far as possible it is envisaged that the normal period of training should be outside office hours. However, in any emergency, an employee who is enrolled as a member of the Civil Defence Service is required under Civil Defence Service Rules, 1962 to perform any duties and during office hours the period of his absence shall be as special casual leave provided a request to that effect is made by the authorities. In order, ho wever, to ensure that there is no dislocation of work even when some of the employees required to perform the Civil Defence duties during the office hours in case of emergency, the number of employees to be relieved will be determined by Head Office on the recommendations of the Branch Managers/Heads of departments in each case on merits. In the event of such permission being granted by Head Office, the period of absence of Bank employees who are called for duty as Home Guards by the Home Guards authorities will be treated as special leave, if a request to that effect is made by the said authority to the Bank. It may, however, be noted that the above facilities are not applicable to Bank employees desiring to join Civil Defence Organisation on a whole time paid basis. (Cir. No. Staff/20 of 1972 dt. 28.2.72)
2. Under earlier instructions contained in Circular No. 212 of 1967 dated 20th July, 1967 the employees were being allowed to join the officially sponsored auxiliary police organisations such has Hom e Guards, National Volunteer Cores, Orantity Raksha Dal, etc. provided this was possible without detriment to their official duties and further subject to the following conditions. (a) The period of training on duty as Home Guard etc. was to be treated as special leave and the person concerned permitted to receive in addition to his pay such emoluments as the provincial Government may offer and. (b) The bank was not to be responsible for any risk, injuries, damage or other consequences arising out of or during the course of employment in Home Guard etc. organisations. 12. FACILITIES TO EMPLOYEES ENROLLING THEMSELVES AS MEMBER OF ST. JOHAN AMBULANCE BRIGADE 1. The Indian Bank's Association, Bombay have advised that Bank employees may also be allowed to enroll themselves as members of St. Ambulance Brigade, subject to the following: (a) that the grant of permission would not interfere with the effective discharge of their official duties. (b) that if they are required to undergo the necessary training etc. during office hours, their absence will be treated as casual leave to the extent such leave is due and to the extent such leave is not due, as special casual leave. (c) that where employees are detained for any special duties by the Brigade, special casual leave not exceeding 3 days per annum may be allowed to them to cover their absence. 2. The aforesaid facility will be permitted only to those employees who take prior permission and will also be subject to the exigencies of administration. (Cir No. Per/36 of 1982 dt. 1.6.82) 13. PERMISSION TO JOIN CIVIL DEFENCE ORGANISATION GRANT OF SPECIAL CASUAL LEAVE FOR ATTENDING CIVIL DEFENCE DUTY/TRAINING Permission can be granted provided the normal period of training is outside office hours. In emergenc y if the employees enrolled as members of Civil Defence Corps are required under the provisions of Civil Defence Act/Rules/Regulations, 1968 to perform any training/duty during working hours, the period of such absence can be treated as special casual leav e. (Cir No. Per/10 of 1986 dt. 29.1.86)
GRANT OF SILVER SUBILEE AWARDS\RETIREMENT GIFT: Category of Silver Jubilee (in Rupees)* Retirement Gift (in Rupees) After completion of 25 years of servICE Staff Circular No. HRD/01 dated 28.05.2011 JMGS & MMGS 10000 (*Cir. Per\ 10 6250 dt.31.5.11) SMGS 15000 10000 TEGS VI & VII 20000 20000 16. Provision for reimbursement of Cost of Greeting Cards to be sent to VIPs/Clients on New Year/Diwali within a ceiling of Rs.800/ - for AGMs, 700 for CMs, Rs. 600/- for MMGS-III & all branch managers and Rs.500/- to all other officers. (Memo No. PRO/1 dt. 1.5.2002) 17. All officers in SMGS-IV & above, All Branch Managers and all Scale III officers (if they became eligible once) are entitled to Provision of a telephone at their residence (Cir No. OPD/4 dt. 4.2.99) Ceiling of number of calls on telephones (excluding free calls including Rent) provided at the residence of eligible officers will be as under:
Telephone at residence
Scale JMGS MMGS-II MMGS-III SMGS-IV SMGS-V n.a. n.a. n.a. n.a.
Controllers(p.m.) Others
LANDLINE TELEPHONE Controllers (Monthly) (p.m.) Rs.500+taxes (Confirmed) Rs.600+taxes Rs.730+taxes Rs.1600+taxes Rs.1600+taxes
MOBILES Cost Others (p.m.) Rs.250\- p.m..

(Scale-I\II probation) on
Mobile (Rs.)
of set
n.a. n.a. n.a.

Rs.1000\excl.taxes
--3500.00 5000.00 7000.00 7000.00
Rs. 400\ex.taxes Rs 770\.excl.taxes excl.taxes excl.taxes
Rs.1000\Rs.1000\-
Rs.1600 + taxes
Rs.1500\excl.taxes
TEGS-VI
Rs.2700\- + taxes
Rs.2700\+taxes
Rs.2500\excl.taxes
Rs.2000\excl.taxes
15000.00
TEGSVII
( * Detailed
Rs.3500\-+ taxes
Rs.3500\-+ taxes
Rs.3000\excl.taxes
Rs.3000\excl.taxes
20000.00
Cirular No. IND\ 2 dated 24.06.2009, IND\3 dated 17.9.09 & IND/1 dt.8.4.10)
All Br. Managers, All Scale IV and above are eligible. MMGS-III (once eligible always eligible) (Admn. Order 1 dated 16.10.1996)
Confirmed officers in JMGS\MMGS-II not covered under any scheme Rs.500\- p.m. (rent + call charges) Quarterly accumulation of call charges & Clubbing of land line +mobile entitlement allowed to officers in MMGS-II and above ((IRD\2 dated 10.10.08, IRD\6 dt.10.3.09 &IRD\4 dt.28.8.10) Officers in MMGS-II who were earlier eligible and availing telephone at residence will continue to have telephone facility at the residence (Cir.No. OPD\9 dt.15.3.05, IRD\BOD\79 dt.31.3.06) Option for mobile or land line at residence for MMGS OPD\6 dt.12.9.03 JMGS IRD\BOD\79 dt.31.3.06 Telephone at residence of Incharge of currency chest & FOs at Metro\urban \Semi Urban centres Telephone at residence of Field officers at Rural centres Scale III and above branches * (OPD \5 dt.12.9.03 and OPD\ 5 dt.11.1.05) ( * IRD\BOD\ 79 dt.31.3.06) Mobile set to be changed after 3 years IRD\BOD\2 dt. 13.04.07 Internet (Broadband) facility allowed on residential land line within overall entitlement Memo IRD\5 dt.24.01.07
18. The following items will be supplied for use at the residence of off icers every year. The year here will mean the f inancial year and time gap between the two supplies should be minimum of one year. i) Plastic buckets & two mugsRs.200/ii) Door Mats (2 No.s) Rs.300/iii) Dustbin (one) Rs.100/iv) Water Container (one - 250 Litres) Rs.500/The officers may purchase the above mentioned articles as per their choice within the prescribed cost ceiling and payment of such bill shall be made direct to the supplier by debit to Charges A/c Misc. (Cir.No.Per/35 dated 14.12.20 05 & Per/44 dated 29.12.2005)
**********
CHAPTER 9 EMPLOYEES PROVIDENT FUND & GRATUITY REGULATIONS

A. STATE BANK OF PATIALA EMPLOYEES PROVIDENT FUND REGULATIONS 1969
Preamble In exercise of the powers conferred by Section 63 of the State Bank of India (Subsidiary Banks) Act, 1959 (No. 38 of 1959), the State Bank of India, with the approval of the Reserve Bank of India and in consultation with the Board of Directors of State Bank of Patiala hereby makes, in supercession of the Bank of Patiala. Employees Provident Fund Rules, the following regulations, which shall be known as the State Bank of Patiala Employees' Provident Fund Regulations, 1969. They shall come into force w.e.f. Ist October, 1969. The supercession of the Bank of Patiala Emplo yees Provident Fund Rules shall not affect: (i) the previous operations of those rules or anything done or suffered thereunder including by virtue of reading there into the observations made in chapter vii of the Award of the National Industrial Tribunal in reference No. 1 of 1960; or (ii) any right, privilege, obligation or liability acquired, accrued or incurred under said rules prior to the coming into force of these regulations. 1. CHANGE IN NAME OF FUND 1. The fund, called the Provident Fund of Empl oyees of the Bank of Patiala shall be renamed as the State Bank of Patiala Employees Provident Fund and be governed by the provisions of these Regulations. DEFINITIONS In these Regulations, unless the context otherwise requires : (a) (b) (c) 'The Bank' means the State Bank of Patiala. 'Member' means any person in the service of the bank who is also a subscriber to the Fund. 'Salary' means substantive pay and includes special pay and special acting and officiating allowances, if any, and also s uch allowances as may be, by the terms and conditions of service of an employee specifically stipulated as being deemed for the purpose as substantive pay, but does not include any other allowance, bonus or other remuneration whatsoever : 'Service' means service under the State Bank of Patiala and includes service prior to the Ist April, 1960 with the Bank of Patiala for a continuous period immediately preceding that day: 'Workman' means an employee who is a workman within the meaning of the Industrial Disputes Act, 1947.
2. (i)
(d)
(e)
(ii)
Notwithstanding anything to the contrary in the Bank of Patiala Employees Provident Fund Regulations. 'Salary' in those rules shall be deemed to have meant in respect of the period Ist January, 1962 to 31st December, 1965 and in the case of an employee, who drew pay and allowances during that period in terms of the Award of National Industrial Tribunal in reference No. 1 of 1960 : (a) 80% of the basic pay if he was not a member of the subordinate staff. (b) 75% of the basic pay if he was a member of the subordinate staff. 3. TRUSTEES The fund shall be vested in Trustees who shall be the Directors of the Bank together with not more than six members of fund to be nominated by the Board of Directors of the bank to repre sent, as far as possible, all categories of staff provided however that at least one fourth of the total number of Trustees shall be members of the fund each of whom is also a 'Workman'. The Board of Directors shall have the authority to replace any Trustee so nominated by them. The tenure of a Trustee nominated by the Board of Directors from any category of staff will be for a period of two years. Such a Trustee will, however, be eligible for renomination by the Board for a period of two years. But a trustee so nominated or renominated by the Board for a period of two years. But a trustee so nominated or renominated by the Board will continue as such until his successor is duly nominated. The board, however, reserves its right to replace a trustee eve n before the expiry of the said period of two years. 4. MEETINGS OF THE TRUSTEES At every meeting of the Trustees, the Chairman of the State Bank of India & if for any reason he is unable to be present at a meeting, a director authorised by the Chairman in writing in this behalf and in the absence of such authorisation any Trustee elected by the Trustees present, from among themselves, shall be the chairman of the meeting. The presence of at least three Trustees, of whom one shall be a director, and anot her member of the Fund shall be necessary to form a quorum for the transaction of business. Each trustee shall have one vote and in case of equality of votes, the Chairman of the meeting shall have a casting vote. 5. COMMITTEE The trustees may appoint a committee from their number, of whom at least one shall be a member of the Fund, to carry on the ordinary business of the Fund including sanctioning of payments to members. Two trustees shall form a quorum of the committee. 6. STATEMENT OF ACCOUNTS The accounts of the Fund shall be made up yearly the 31st March and audited statements of officers as at that date shall be submitted to a meeting of the Trustees to be held no later than 31st August in every year, and a copy of such statement shall be made available for inspection of members at each branch and office as soon as may be after such meeting.
7. (1)
(2) 8. (1)
MEMBERSHIP FOR WHOM COMPULSORY Every whole time permanent employee of the Bank and every permanent part time employee who is required by the Bank t o work for more than 6 hours a week shall subscribe to the Fund from the date of his confirmation in the Bank's permanent service or from such date as may be provided in the terms and conditions of his service provided, however, that in case of permanent part time employees who have been confirmed in service on or before the 31st August 1978, the subscription to Provident Fund shall commence from the Ist September, 1978. Every employee shall, at the time of his joining the Fund, execute an Agreement in Form 'A'. RATE OF SUBSCRIPTION A member shall subscribe to the Fund in each month 10% of : (i) 80% of his monthly salary from 1.11.1987 to 31.12.1988 (ii) 90% of his monthly salary from 1.1.1989 to 31.12.1989 (iii) his monthly salary from 1.1.1990. Such subscription shall be deducted by the Bank from the monthly salary of the member in amounts calculated in round Rupees (Rounding off the amount to next higher Rupee) and shall be credited to the member's individual account in the books of t he Fund". Subject to Sub-Regulation 8(2), any member of the fund may at his option, subscribe towards the Fund in addition to any sum that he shall subscribe in terms of Sub-Regulation 8(1),such sum as shall not, together with the sum subscribed by him in terms of Sub-Regulation 8(1) be more than 25% of his salary. A member desirous of exercising the option to subscribe to the Fund in terms of Sub-Regulation 8(3) above shall advise in writing to the officer responsible for paying his salary, the ra te expressed in percentage of salary at which he desires to subscribe. Such rate shall not at any time be less than five percent of his salary and when once fixed, can be altered only by written intimation by him to such officer not less than one calendar month in advance of the salary payment date for the month of April. The subscription made under Sub-Regulation 8(3) shall also be credited to the member's account in the books of the Fund, but no contribution equivalent to or in respect there of shal l be payable by the Bank. SUBSCRIPTION OF MEMBER ON LEAVE The subscription of a member absent on leave shall, during the period of such absence, be calculated on the salary payable to him while on duty but any such member shall be at liberty not to su bscribe during the period of his leave or to subscribe on the leave salary at the rate fixed under Regulation 8 if notice in writing to that effect is given by him not less than 14 days in advance of the first payment of his leave salary to the officer responsible for paying him. Provided that where a member is granted leave without salary no subscription shall be collected from him.
(2)
(3)
(4)
(5)
9.
10. BANK'S CONTRIBUTION (1) Save as otherwise provided in these Regulations, the Bank shall contribute every month a sum equal to that subscribed by each member to his account in the Fund in terms of Sub -Regulation 8(1) above. (2) The contribution made by the Bank shall be calculated in round Rupees (Rounding off the amounts to the next higher Rupee) and credited to the Fund not later than fifteen days after the subscription has been deducted from the salary of the member. 11. INVESTMENT OF FUNDS All moneys of the Fund except sums withdrawn under Regulations 14, 15 and 17 shall be deposited in the Bank in an account styled The Trustees of the State Bank of Patiala Employees' Provident Fund" or invested by the Trustees in any securities for the time being authorised under the Indian Income Tax Act 1961 and the Indian Trust Act, 1882 and the Rules made there under in respect of the investment of money of a Provident Fund recognised under the Indian Income Tax Act, 1961. 12. INTEREST (1) The Bank shall pay on all moneys of the Fund held by it compound interest with half yearly rests at the rate fixed in accordance with the Sub-Regulation (2). (2) The account of each member will be credited with interest on the amount standing to his credit at a rate which shall be fixed by the Trustees annually, having regard to the return which can be obtained on the investment of other Provident, Charitable, Religious and Trust and quasi Trust funds in accordance with the Rules, Schemes or directions made, framed or given by the Central Government in this behalf. Such interest shall be calculated in round rupee (Rounding off the amount to th e next higher rupee) on the monthly products of each members account and shall be applied to the account half yearly as on 31st March and 30th September. 13. ANNUAL STATEMENT OF EACH MEMBER'S ACCOUNT Every member shall receive from the Trustees of the F und an Annual Statement showing the amount standing to his credit in the Fund. 14. TEMPORARY ADVANCES (1) At the discretion of the Trustees a Temporary Advance may be granted to a member on application from the amounts standing to his credit in the Fund, subject to the following conditions: (a) The Trustees are satisfied that the amount will be expended on the following object of objects and not otherwise. (i) To pay expenses incurred in connection with the illness of member or any person actually depe ndent on him. (ii) To pay obligatory expenses on a scale appropriate to the applicant's status in connection with marriages, Funerals or ceremonies which by his religion or social custom, it is incumbent on him to perform.
(b)
(iii) To meet any other expenses or liability which in the opinion of the Trustees, is unforeseen and extraordinary and beyond the ordinary means of the member and in respect of which a subscriber would have been eligible for an advance under the Income Tax Rules or the Contributory Provident Fund Rules in force from time to time. An advance shall not: (i) Exceed 3 month's salary or half the amount of the member's own subscription to the Fund and interest there on, which ever is less : or be granted until after the final repayment of the previous advances. Provided that in respect of purposes where the higher amount of advance is permissible under the Income Tax rules or the Contributory Provident Fund Rules, the advance may be upto the higher amount permitted under those Rules. An advance shall be recovered together with interest by the Bank from the member's monthly salary in such number of monthly installments as the Trustees may direct; but such number shall not be less than 12 unless the member so elects or in any case more than 24. A member may at his option repay more than one instalment in one month. Each instalment shall be a number of whole rupees, the amount of the advance being raised or reduced, if necessary, to admit of the fixation of such instalmen ts.
(ii)
(2)
(a)
(b)
Provided that where an advance is allowed in connection with marriages as specified in (a) (ii) above the amount advanced shall be repaid in 48 equal instalments. Recoveries shall commence from the second monthly salary payment made after the withdrawal or in the case of an employee on leave without pay from the second monthly salary payment made after his return from leave. Recovery shall not be made, except with the member's consent, while he is on leave other than leave on full pay, or in re ceipt of subsistence allowance. Recoveries made under this Regulation shall be credited as they are made to the member's account in the Fund. In respect of advances which are repaid in not more than 12 monthly installments, an additional instalme nt of 4 percent of amount advanced shall be paid on account of interest; and in respect of advances which are repaid in more than 12 monthly installments, two such installments of 4 percent of the amount withdrawn shall be paid on account of interest. Provided, however, that at the discretion of the trustees of the Fund, interest may be recovered on the amount advanced or the balance thereof outstanding from time to time at a rate not more than one percent above the rate which is payable for the time bein g on the balance in the Fund at the credit of the member.
(c) (d)
15. HOUSING BUILDING AND INSURANCE POLICIES ETC. Sums to meet the expenditure on building or purchasing a house or a site for a house or payments or premia on policies of insurance on the life of the member or his wife may be allowed to be withdrawn from the amount subscribed to the Fund by the member including interest thereon provided that : (i) Such house or site shall be assigned to the Trustees who may however in their discretion waive the condition as to assignment. Every such policy shall be assigned to the trustees or the bank as the nominee of the Trustees in consideration of payment of premia on such policy provided that any such withdrawal by a member from the fund shall not exceed the amount of his own subscription together with interest thereon standing to his credit in the fund or in the case of a withdrawal to meet the expenditure on building or purchasing a house or a site for a house the actual cost of such building, house or si te; and (ii) in the case of a withdrawal to meet the payments of premia on policies of insurance, 3 month's salary or the actual amount of such premia whichever is less. Provided further that no withdrawal for building or purchasing a house or a site for a house shall be allowed unless the employee has completed 10 years of service or is due to retire before another 10 years. 15(A) Notwithstanding anything contained in Regulation 15, sums for the purpose of building or acquiring as a member of co -operative housing society approved by the Bank a suitable house for his residence including the cost of the site may, at the discretion of the Trustees, be allowed to be withdrawn from the amount subscribed to the Fund by the Member including interest thereon, provided that any sum so withdrawn by a member shall not exceed : Rs. 1500/- or half of the amount of his own subscription together with the interest thereon standing to his credit in the Fund whichever amount is higher but in no case exceeding the a mount of his subscription together with interest thereon standing to his credit in the fund; or (b) the actual cost of the house and the site; whichever is less. Provided further that such a withdrawal by a member shall be allowed only once during his s ervice. 15(B) (1) Where withdrawals are allowed under Regulation 15 to meet the payment of premia on policies of insurance on the life of the member, the Trustees shall: (a) re-assign to the member the policies when he ceases to be a member in any of the circumstances detailed in Regulation 17 or on his repaying into the Fund the whole of the amount allowed to be withdrawn from the Fund to meet the payments of premia on such policies of insurance; or (a)
(b)
Collect the amount receivable from the insur ance company under the policy and credit to the account of the member in the Fund on the death of the member or on the maturity of the policy before he otherwise ceases to be a member.
(2) Where withdrawals are allowed under Regulation 15 to meet the payments of premia on policies of insurance on the life of the wife of the member, the Trustees shall: (a) re-assign the policy to the wife when he ceases to be a member of the Fund either by death or otherwise : or (b) Collect the amount receivable under the policy from the insurance company and credit to the account of the member in the Fund on the maturity of the policy or on the wife predeceasing him whilst he is a member. 16. INTEREST TO CEASE SIX MONTHS AFTER THE TERMINATION OF SERVICE OR DEATH OF MEMBER Interest on all sums standing in the books of the fund to the credit of a member shall cease at the expiry of six months from the date he ceases to be a member. 17. PAYMENT OF AMOUNT STANDING TO THE CREDIT OF MEMBERS 17 (1) Subject to sub-regulation (2) the sums standing to the credit of a member, after adjusting any withdrawals made under Regulations 14,15 and 15-A shall become payable when he ceases to be a member. Provided that where a member resigns, retires on his service in the Bank is terminated otherwise than by death, or on account of retrenchment, illness or physical disability or for reasons beyond his control before completion of permanent service of 5 years he shall be entitled to be paid only the amount of his own subscriptions to t he Fund together with interest thereon and not to any share of the contributions made by the Bank to his account in the Fund or the interest thereon. Provided further that where a member resigns or retires or his service in the Bank is terminated otherwi se than by death, or on account of retrenchment, illness or physical disability or for reasons beyond his control after completion of permanent service of 5 years or more but less than 10 year, he shall be entitled to receive his own contribution to the Fund together with interest in respect thereof, and to the Bank's contribution at the rate of 10% of such contribution with interest for each completed year of permanent service. Provided further that a member on leave preparatory to retirement may at his option withdraw from the sums standing to his credit in the Fund an amount not exceeding his own subscription and the interest thereon, but if the member does not eventually retire, the full amount withdrawn must be refunded as a condition of continued emp loyment.
(2)
Where the member has been dismissed from his employment on account of misconduct causing financial loss to the Bank, the whole amount of such financial loss, as ascertained by the Bank in its absolute discretion or, such part thereof as the Bank may direct (not exceeding in any case the total amount of contribution made by the Bank to his account together with the interest credited in respect thereof) shall be deduced from the amount payable to the member and paid to the Bank by the Trustees. (3) Notwithstanding anything contained in sub -regulation (1) when any amount becomes payable under the said sub -regulation to a member, who is under a liability to the Bank, the amount due under such liability (not exceeding in any case the total amoun t of contribution made by the Bank to his account together with interest credited in respect thereof) shall be deducted from the amount payable to the member and paid to the Bank. 18. LAPSES AND FORFEITURES On any member ceasing to be a member of the Fund any amount not payable to him or to the Bank, under the Provisions of these Regulations, shall be forfeited to the Fund. All sums so forfeited to the Fund, due to any reason whatsoever, all profits earned at any time on the sale or investments and all surplus income not allocated for payment of interest as provided under these Regulations shall be transferred to a separate account and shall be used and applied by the Trustees primarily as a reserve against any loss to the Fund on the sale or in consequenc e of any depreciation of investments and secondly for the benefit of the members and/or retired members and/or dependents of the deceased members and/or any such persons collectively and/or for such purpose connected with the Fund in such manner as the Trustees shall in their absolute discretion think fit. 19. NOMINATIONS (1) Every member shall nominate in Form 'B' one or more persons belonging to his family to whom the amount standing at his credit in the Fund shall be payable in the event of his death. A member who has no family shall nominate a person or persons in Form 'C' provided that such nomination shall be valid only for so long as the member has no family and that if a member subsequently acquires a family he shall nominate in Form 'B' one or more persons belonging to his family. A member may in his nomination distribute the amount that may stand to his credit in the Fund amongst his nominees at his own discretion so as to cover the whole of the amount. A nomination may be cancelled by a member and replaced by any nomination which is permitted to be made under this Regulation. No nomination or notice of cancellation shall be effective unless it has been received in the Head Office of the Bank while the member is still in the service of the Bank, and has been registered in the books of the Fund.
(2)
(3) (4)
EXPLANATION In this Regulation and in Regulation 20, 'Family' means the wife or wives, or husband, and children of a member and the widow or widows and children of a deceased son of a member; Provided that if a member proves that his wife has been judicially separated from him or has ceased under the customary law of the community to which she belongs to be entitled to maintenance she shall no longer be deemed to be a member of the family u nless the member subsequently indicates by express notification in writing to the Trustees that she shall continue to be so regarded. Provided further that if a member by notification in writing to the Trustees express her desire to exclude her husband fr om the family, the husband shall no longer be deemed to be a member of the family unless the member subsequently cancels formally in writing her notification excluding him. 20. PAYMENT ON DEATH OF A MEMBER On the death of a member the full amount standin g to his credit in the Fund irrespective of the period for which the member may have served after making any deduction authorised under these Regulations shall become payable as under : (i) When the member leaves a family (a) If a nomination made by the member in accordance with these Regulations in favour of a person or persons of his family subsists, the amount as stated above or the part thereof to which the nomination relates, shall become payable to the nominee or nominees in the proportion specified in the nomination; (b) If no such nomination in favour of a person or persons belonging to the family of the member subsists or if such nomination relates only to a part of the amount standing to his credit in the Fund, the whole amount or the part thereto which the nomination does not relate, as the case may be, shall notwithstanding any nomination purporting to be in favour of any person or persons other than a person or persons belonging to his family, become payable to the persons belonging to his fam ily in equal shares. Provided that no share shall be payable to: (i) (ii) Sons who have attained legal majority; Sons of a deceased son who have attained legal majority;
(iii) Married daughters whose husbands are alive; (iv) Married daughters of a de ceased son whose husbands are alive; if there is any member of the family other than the specified in clause (i), (ii), (iii) and (iv). Provided further that the widow or widows and the child or children of a deceased son shall receive between them in e qual parts only the share which that son would have received if he had survived the member and if, in a case where had he survived the member he would have been excluded from a share under clause (i) of the first provision, he had not been so excluded.
(ii) When the Member leaves no family (a) If a nomination made by him in accordance with these Regulations in favour of any person or persons subsists, the amount as stated above or the part thereof to which the nomination relates shall become payable to his nominee or nominees in the proportion specified in the nomination; (b) If no nomination made in accordance with these Regulations subsists, the amount as stated above shall become payable to any person appearing to the Trustees to be entitled to the same ; Provided that where the amount payable exceeds Rs.5000/ - the person claiming payment shall, unless he is a nominee being a dependent as defined in clause (c) of Section 2 of the Provident Funds Act, 1925, be required to produce probate, Letters of Admi nistration or a Succession Certificate in accordance with the provisions of Section 4 of the said Act. 21. On the death of a member, who is under a liability to the Bank, the amount of such liability (not exceeding in any case the total amount of contribution made by the Bank to his account together with interest credited in respect thereof) shall be deducted from the amount payable to the member and paid to the Bank. 22. ADVANCES TO BENEFICIARIES The Trustees may make advance to the beneficiary or benef iciaries of a deceased member's interest in the Fund, where such beneficiaries or any of them are in indigent circumstances, in anticipation of the grant of the probate of the will or letters of administration or other certificate of representation or title to the estate of the deceased, in order to meet funeral or other expenses. 23. LIABILITY OF TRUSTEES No Trustee shall be responsible & chargeable, save and except for monies actually received by him notwithstanding his having signed any receipt for the sake of conformity or otherwise nor shall be responsible for any loss unless the same happens through his own willful act, neglect or omission. 24. CLOSING OF THE FUND (1) If the Bank shall, with the approval of the State Bank of India, give to the Trustees notice in writing that it does not intent to make any further contributions to the Fund, the Fund shall be closed and in the event of such closure all the moneys of the Fund (including the realisation by sale of the investments) shall be disposed of by: (a) Payment to each member of the accumulated balance due to him as if his services had been terminated as on the date of closure of the Fund, and (b) Distribution of surplus, if any, after such payment, among the members proportionately to the balanc es in their accounts.
(2)
Notwithstanding Sub-Regulation (1), in the event of the business of the Bank being acquired by, or of the Bank being amalgamated with any other Bank under or by virtue of any provision of law and as a consequence of such acquisition or amalgamation, the employees of the Bank who are members of the Fund take up service with such other Bank with or without continuity of service, it shall be open to the Trustees to transfer to such other Bank or to the Trustees of any provident Fu nd constituted for the employees of such other bank the amounts standing to the credit of such members and if the concerned employees of the Bank who are members of the Fund so take up service with such other Bank on the transfer to such other Bank, Truste es of the amount standing to the credit of such members, the Fund shall stand closed.
25. INTERPRETATION OF REGULATIONS The decision of the Trustees shall be final and binding upon members in all respects and upon all matters questions and disputes relat ing to or connected with the interpretation of these Regulations or with the Fund or the administration thereof. 26. In their application to an employee, who is governed by the grades of pay and terms & conditions of service revised by the Bank of Patial a in August 1958, these Regulations shall, unless such an employee has on or before the Ist October, 1969 made a declaration to the Bank in Form 'D' stand modified as follows : (i) (ii) In such-regulation (1) of Regulation 8, for the figure read 10% and In sub-regulation (2) of Regulation 12 in the place of words at a rate which shall be fixed by the Trustees at the end of each year & which shall be the equivalent of the average yield to redemption through out the year of rupee securities of the Gover nment of India of approximately 20 years maturity rounded off to the nearest one half percent above read the words at the rate or 5% per annum. (Source Old handout obtained from PF Department)
Norms for grant of temporary advance of Provident Fund an d the specimens of application forms for Non -Refundable withdrawal, temporary advance are annexed 1,2 & 3.
Annexure 1 NORMS FOR GRANT OF TEMPORARY ADVANCE OUT OF PROVIDENT FUND ACCOUNT TO THE MEMBERS OF THE FUND Particulars Maximum Amount Repayment For self marriage or marriage of own son/daughter 6month's 48 monthly brother/sister if wholly dependent falling within the Basic Pay instalments definition of family. Marriage of near relatives say nephew/niece 3month's 24 monthly etc. (where family circumstances justify) Basic Pay instalments Death ceremony of mother/father or other 2months' 24 monthly family members Basic Pay Max. Rs.3000/instalments Religious ceremonies which byreligion or 1month'sbasicpay 12 monthly Inst. social custom is incumbent on him to perform. Max. Rs. 1000/For higher education (as defined in Income Tax Rules) 3month's 24 Monthly Inst. of son/daughter or younger brother/sister wholly Basic Pay Instalments dependent upon the member in case the father of the member is deceased, at the time of admission only. For Medical treatment (only when there is no balance 3 month's 24 monthly Medical A/c) for chronic diseases only (for self & Basic Pay instalments dependent members of the family) on the certificate of Charitable/Government Hospital or approved Nursing home provided that expenditure is not reimbursed by the Bank. For repairs of House : (a) Provided the house is owned by the employee solely. (b) That the time gap between the repairs effected 3 month's 24 monthly previously & at present is 5 years in case of Basic Pay instalments old house and gap of 10 years after the completion of new house. The conditions will, however, not apply if the house collapses due to some natural calamities. (1) The advance in each case shall not exceed the amount specified above or half of the amount of member's own subscription to the fund & interest thereof, whichever is less. (2) The request for withdrawal will be entertained by the Head of the Department/Branch Manager only after satisfying that the previous advance has been adjusted.
(3)
(4)
The request for temporary advance will be entertained only after the expiry of 3 months of the adjustment of the advance made earlier with the exception where the money is required for the marriage of son/daughter/brother/sister falling within the definition of family under Provident Fund Rules. Where the temporary advances for the major repairs of the house is involved, the production of estimated expenditure of repairs duly approved by the architect is necessary. No temporary advance for renovation of house is to be allowed. (Memo No. PFG/4 of 1983 dt. 26.12.83)
APPLICATION FOR NON-REFUNDABLE WITHDRAWA L FROM THE P.F. ACCO UNT FOR PURCHASE OF PLOT /HOUSE OR CONSTRUCTI ON OF HOUSE The Trustees Employees Provident Fund Trust State Bank of Patiala Head Office, Patiala Dear Sir, I request you to allow me Non -refundable withdrawal of Rs. .................. (Rupees .............. ..................................) or a lower sum, if so decided from my Provident Fund Account the necessary details for considering my request are given below : 1. 2. 3. 4. 5. Name & Designation_______________Branch Name____________Code_____ P.F. A/c No.____________ Date of joining the Bank's service____________ Date of Birth____________ Purpose of Loan .............................................................. (if for the purchase of plot/house, the Agreement to purchase and if for construction of house addition, attach Estimate from an approved Architect along with approved plan) Total cost of construction/cost of Flat/ House, in case ready-built house/flat is to be purchased/cost of additional construction. Particulars of House Loan availed/to be availed (a) Date of House Loan fully availed .............................................................. (b) Date of completion as per certificate submitted to the Bank .............................................................. (c) Attach photocopy of Original Approved Plan/ Original Cost Estimate of the Arch itect submitted to the Bank for availing the house loan and mark the portion of house still to be completed
6.
7.
(d)
Separate Estimate of the approved Architect for completion of the remaining work along with justification thereof. .............................................................. (e) Independent Certificate from Manager whether the house is still Incomplete .............................................................. 8. Amount of loan availed from the bank ..............................................................
9. 10.
Amount still to be incurred .............................................................. Amount of non-refundable withdrawal from Provident Fund required ..............................................................
11. 12. 13.
Sources from where the deficit .............................................................. Market value of property ............................................................. In whose name the plot/house will be purchased/constructed and whether the same is in Municipal Limits .............................................................. Name of the Station where the plot/ready built house is to be purchased or construction of the house is to be done .............................................................. Whether the said property is free from all encumbrances/charges ? .............................................................. Account No.:______________________________
if
any,
will
be
met
14.
15. 16.
I certify that I do not already own a House/Plot (if to be purchased)/ the plot on which the construction will be done, is in my name only. The Map Plan of the house is enclosed. I undertake no to sell or mort gage the property during the service and will not jeopardise the interest of the Trustees. I further undertake to assign the property in question in favour of the Trustees. The copy of the title deed of the property is submitted or will be submitted afte r the purchase of property. I certify that I have so far never availed non -refundable withdrawal from my Provident Fund Account. Yours Faithfully
Place: Date:
(Signature of Applicant) P.F. A/c No.____________
Certified that the particulars given by the applicant are correct the best of my knowledge. I recommended the loan for sanction. No.______ Date:_____ Place:___________ *Delete whichever is not applicable. FOR HEAD OFFICE USE ONLY Manager/Head f the Deptt.
P.F. A/C No. ................................................. Balance of P.F. Account Self Contribution Rs. .................................... Bank's Contribution Rs. ................................ Entered by Sh./Smt. ........................ ............. Date ............................................................. Dealing Officer Sh./Smt. ................................ Date ..............................................
Branch___________ _ Code______________ The Trustees Employees Provident Fund Trust State Bank of Patiala Head Office, Patiala Dear Sir, TEMPORARY ADVANCE FR OM PROVIDENT FUND AC COUNT I request you to allow me a Temporary Advance of Rs................... (Rupee s .................. ...........................................) or a lower sum, if so decided, from my Provident Fund Account. I undertake to repay the loan by monthly instalments so fixed by you. The necessary details for considering my request are giv en below : 1. 2. 3. 4. 5. Name and P.F. A/c No. ......................................................... Designation ......................................................... Place of Posting ......................................................... Account No.___________________________ Purpose of Loan ......................................................... (In case of marriage and other social ......................................................... Actual Date of Ceremony) (For Medical Purpose, enclose Medical ......................................................... Certificate stating therein approximate expenditure) (In case of marriage of Dependent, explain ......................................................... how the person is dependent) (In case of Marriage of Nephew/Niece, ......................................................... give the following information : (i) Name of Nephew/Niece ......................................................... of Nephew/Niece (ii) Exact Relationship ......................................................... (iii) Father's Name of Bride/Groom ......................................................... (iv) Date and Place of Marriage ......................................................... (v) Nature of social obligation ......................................................... necessary for the employee to incur expenses on the occasion. i.e. why it is & Father's
obligation,
please
Name
6.
Particulars of Previous Loan, if any : (i) Amount of Loan ......................................................... (ii) Purpose of Loan last availed ......................................................... (iii) Date of Adjustment of Loan .........................................................
7.
Particulars of loan taken by spouse : ......................................................... (if the spouse of the applicant is in Bank's service) (i) Amount of Loan ......................................................... (ii) Purpose of Loan ......................................................... (iii) Date of Adjustment (if adjusted) .........................................................
Yours Faithfully (Signature of Applicant) .............................. Please Turnover) DETAILS OF SALARY DEDUCTIONS Basic Pay Special Allowance D.A. Other Allowance Total Less : Deductions Net payable Rs...................................... Rs...................................... Rs..................................... Rs...................................... Rs...................................... Rs.................................... ........................................... Rs.................................... Total Deductions Rs................ It is certified that the d etails given above by the applicant are correct and the purpose of loan mentioned by him is genuine. The loan is recommended for sanction. Provident Fund Rs.................... Insurance Income Tax Housing Loan Vehicle Loan Rs..................... Rs..................... Rs..................... Rs..................... Rs..................... Rs..................... Dated (For Salary Details
........................................... consumer Loan ........................................... Festival Loan
Others (specify) Rs.....................
Manager/ Branch/Department......................................... Head of Deptt.
(FOR HEAD OFFICE USE ONLY) Provident Fund Account No. Balance of Bank's Contribution Balance of Self Contribution Balance of P.F. Withdrawal A/c (in case of Loan Account) ......................................................... Rs..................................................... Rs................................................ ..... Rs.....................................................
Entered by : ............................ Date : .................................. ... ..................................................
Dealing Officer ................................... Date
B. STATE BANK OF PATIALA (PAYMENT OF GRATUITY TO EMPLOYEES) REGULATIONS 1970

In exercise of the powers conferred by 63 Section of the State Bank of India (Subsidiary Banks) Act, 1959 (38 of 1959 ), the State Bank of India, with the approval of the Reserve Bank of India and in consultation with the Board of Directors of the State Bank of Patiala has made the following Regulations namely : 1. SHORT TITLE AND COMMENCEMENT These Regulations may be called the State Bank of Patiala (Payment of Gratuity to Employees) Regulations, 1970. 2. DEFINITIONS In these Regulations, unless the context otherwise required : (a) "Bank" means the State Bank of Patiala (b) "Board" means the Board of Directors of the Bank (c) "Employees" means an employee in the Bank's permanent service as on Ist April, 1960 or there after or an employee in temporary service as has extended for a continuous period of more than a year by Ist April, 1960, but does not include an employee who continues to be governed by the grades of pay and terms and conditions of service revised by the Bank in August, 1958 unless he expressly makes a declaration in form 'D' annexed to the State Bank of Patiala Employees Provident Fund Regulations 1969 in all respects without modification set out in Regulation 26 thereof. "The Gratuity Fund" means the gratuity fund as may be defined in the Gratuity Trust Deed that may be executed by the Bank and till such deed is executed such provisions that Bank ma y have, or here after make, for payment of gratuity to its employees.
(d)
(e)
"Service in the Bank" shall for the purpose of these Regulations means continuous service and shall include an employees service prior to the Ist April, 1960 with the Bank of Pati ala and, in the case of permanent employees' the period of his continuous probationary or temporary service immediately preceding his confirmation; and in the case of employees of banks amalgamated with the Bank under a scheme of amalgamation in terms of section 45 of the Banking Companies Act, 1949, their service in those banks also unless otherwise provided for in the relative scheme and in the case of employees of banks taken over pursuant to acquisition of business in terms of section 38 of the State Bank of India (Subsidiary Banks) Act, 1959 or any other law, their service in those banks also, if so provided for in the relative scheme of acquisition of business. (f) "Pay" means the average of the basic pay and special allowance and officiating allowance payable during the 12 months next preceding death, disability, retirement, resignation or termination of service as the case may be or any other emoluments which may be specially classed as 'Pay' by the Board. Provided, however, that in the case of a n employee governed by the State Bank of Patiala (Officers') Service Regulations 1979, pay will mean basic pay last drawn by him as on the date of retirement, death, disablement, resignation or termination of service in any other way except by way of punishment after completion of ten years of service. 3. TRUSTEE The Gratuity Fund shall vest in Trustees who shall be the Directors and Managing Director of the Bank. The Trustees shall be resident in India and on his leaving India permanently, such a Trustee shall vacate his office. The Managing Director shall be the Executive Trustee and shall have the power to carry on the day-to-day administration of the Gratuity Fund. Prior to July/August 1974, the powers of Executive Trustee were vested in the General Manager of the Bank, because there was no post of Managing Director at that time. Explanation For the purpose of this regulation, the expression "Managing Director" shall mean the Managing Director for the time being of the Bank and also includes an Acting Managing Director or such other person who performs the duties of the Managing Director of the Bank. 4. SECRETARY An officer of the Bank specified in this behalf by the Executive Trustee shall, ex-officio, be the Secretary of the Fund.
5. (1)
MEETING OF THE TRUSTEE At every meeting of the Trustee the Chairman of the State Bank of India and in his absence such one of the Directors of the bank as may generally or in relation to any particular meeting be authorised by the Chairman in writing in this behalf and in the absence of the Chairman and failing such authorisation, any Trustee elected by the Trustees present, from among themselves, shall be the Chairman of the meeting. The presence of at least three Trustees of whom one shall be the Executive Trustee, shall form a quorum for transaction of business. Questions arising at a meeting shall be decided by a majority of the votes and in case of equality the person presiding at the meeting shall have a casting vote. (2) A resolution of Trustees passed by circulation and signed by a majority of the Trustees shall be as valid and effectual as if it had been passed at a meeting of the Trustees duly called and constituted. The date of the resolution shall be the date on which the last Trustee puts his signatures on the resolution. (3) The Trustees may from time to time by resolution or resolutions under their signature authorise any one or more of them to sign and endorse for transfer or for conversion or for payment Government Promissory Notes, securities issued by the Government of India, State Governments and all other securities held by the Trustees or to sign or endorse cheques, drafts, interest warrants or receipts for interest. 6. STATEMENT OF ACCOUNTS The accounts of the Gratuity Fund shall be made up yearly as at the 31st March and an audited statement of affairs as at that date shall be submitted to a meeting of the Trustees to be held not later than the 31st July, in every year. 7. No money of the Gratuity Fund shall be receivable by the Ba nk under any circumstances nor shall the Bank have any lien or charge on the Gratuity Fund. 8. Investment of Fund : All monies of the Gratuity Fund shall be invested by the Trustees in any securities for the time being authorised under the Income - Tax Act, 1961 or mentioned or referred to in clauses (a) to (e) of section 20 of the Indian Trusts Act, 1882 (2) of 1982 in such a manner that the monies so invested are payable both in respect of capital and of interest in India." 9. EXPENSES All necessary expenses of management and other costs, charges and expenses to which the Trustees may be put in connection with the Gratuity Fund for any reasons whatsoever shall be borne by the Bank. 10. PAYMENT OF GRATUITY (TO BE MADE OUT OF THE FUND) Any gratuity granted by the Bank to an employee or, in the event of death before receipt of gratuity, to any other person or persons under provisions of the succeeding Regulations shall be paid only in India to employee, or such other person or persons, by the Tr ustees out of Gratuity Fund. his the the the
11. CONDITIONS OF GRANT Gratuity will be granted to an employee subject to the terms, conditions and other provisions contained in the succeeding regulations; but nothing in these Regulations shall be construed as conferr ing any right or benefit on any employee whose service in the Bank is governed by a contract expressly stipulating his service to be for a specified period, unless otherwise provided in such contract. 12. (1) When admissible Gratuity will be granted to or in the case of an employee if : (i) (ii) or (iv) (v) (vi) (2) (a) He retires from the service with the permission of the Bank before attaining the age of superannuation; or He voluntarily resigns from the service of the Bank after 10 years of completed service; or His service in the Bank is terminated by the Bank. Notwithstanding anything contained herein above No gratuity will be granted or in the case of an employee if he is or has been dismissed from service in the Bank for any misconduct committed by him prior to Ist January 1966; In case of termination of the service of an employee by dismissal for any misconduct committed by him after Ist January, 1966 involving financial loss to the Bank, there shall be forfeiture to the extent of such loss from the gratuity admissible to him otherwise under these Regulations. He dies while in service of the Bank; or He becomes physically or mentally incapable of further service; or
(iii) He retires from the service after attaining the age of superannuation;
(b)
Provided, however, that notwithstanding anything contained here -inabove, gratuity will be granted to or in respect of an employee governed by the State Bank of Patiala (Officers') Service Regulations, on a) retirement b) c) d) e) death, disablement rendering him unfit for further service as certified by a medical officer approved by the Bank. resignation after completion of ten years' of continuous service termination of service in any other way except by way of punishment after completion of ten years' of service.
13. AMOUNT ADMISSIBLE Without prejudice to the provisions of Regulation No. 12 the amount of gratuity admissible to an employee shall be : a) a sum of equal to one month's pay for each completed year of service in the Bank subject to a maximum of 15 month's pay and b) an additional sum equal to half months' pay in respect of each completed year of service in the Bank in excess of 30 years. Provided that if the amount of gratuity payable to an employee in accordance with the provisions of the payment of Gratuity Act, 1972 or any statutory modification thereof for the time being in force is higher than the amount of gratuity admissible to an employee determined in pursuance of clauses (a) & (b) here in above, the employee shall be entitled to be paid such higher amount payable to him in accordance with the provisions of the payment of Gratuity Act. 14. PAYMENT IN CASE OF DEATH OF THE EMPLOYEE (1) An employee may be allowed by the Trustees of the Gratuity Fund to make a nomination conferring one or more persons the right to receive the amount of gratuity in the event of his death before that amount becomes payable or, having become payable, has not been paid. Such a nomination shall be made in Form 'A'. (2) If an employee nominates more than one person under aforesaid clause (1) he shall be in his nomination, specify the amount or share payable to each of the nominees in such manner as to cover the whole of the amount of gratuity that may be payable in the event of his death. (3) Where an employee has a family at the time of making a nomination, the nomination shall be in favour of one or more persons belonging to his family. Any nomination made by such employee in favour of a person not belonging to his family shall be invalid. (4) If at the time of making a nomination the employee has no family, the nomination may be in favour of any person or persons, but if the employee subsequently acquires a family, such nomination shall forthwith be deemed to be invalid an d the employee may be allowed to make a fresh nomination in favour of one or more persons belonging to his family. (5) A nomination made by an employee may, at any time, be modified by him after giving a written notice to the Trustees of his intention of doing so in Form 'B'. If the nominee predeceases the employee, the interest of the nominee shall revert to the employee, who may there upon make a fresh nomination in respect of such interest. A nomination or its modification shall take effect to th e extent it is valid on the date on which it is received by the Trustee.
(6)
Explanation For the purpose of this Regulation, Family means the employee's spouse, legitimate children and dependent parents, sisters and minor brother. Regulation No. 14-A In the event of the death of an employee before receipt of gratuity, the amount of gratuity admissible shall be paid to his nominee (s) if he has made a valid nomination in accordance with the Regulation No. 14 hereof or failing such nomination, to his wife or husband, children, dependents of the employee on such proof and upon such terms as to indemnify or otherwise as the Trustees may consider fit or necessary. 15. INTERPRETATION The decision of the Trustees shall be final and binding upon the employees in all respects and upon all matters, questions and disputes relating to or connected with the interpretation of these Regulations or with the Gratuity Fund or the administration thereof. (Source Old handout obtained from PF Department)
PART C
PAYMENT OF PROVIDENT FUND & GRATUITY TO EMPLOYEES Some basic information in respect of employees, who retire/resign from the service of the Bank or expire is required to be submitted well in time to Officer-In charge, Provident Fund & Gratuity Section. The info rmation should be sent at least 2 month's before the date of retirement of the employee and on the date of event in the case of resignation/termination/death of employee (Head Office Circular No. PFG/Gen/40 of 1987 dated the 10th November, 1987 & Circular No. PFG/Gen/35 of 1988 dated 18th July, 1988). The required Performa annexure I, annexure A, annexure B, Form I, Form J ^ Form A are annexed. (Cir. No. PFG/Gen/6 dt. 17.2.89) SBOP-Employees (Pension) Regulations, 1995 Nomination of Competent Authority - Sanction of Pension etc. (Cir. No. Per/76 dt. 28.2.1997) If disciplinary proceedings against an officer are continued after reaching the age of superannuation he may be paid on completion of the said proceedings, interest on Terminal benefits at the r ate prevailing at the end of one month after retirement, payable to staff members on term deposit for the period for which the release of terminal benefits was delayed. Interest will be paid by debit to PF/Gratuity a/c. It will however, be paid subject to condition that proceedings have not been delayed on account of officer and a penalty other than dismissal has been imposed. (Cir. No. Per/34 dt. 27.11.98)
ANNEXURE - I Chief Manager, (Pension, PF & Gratuity Deptt) State Bank of Patiala, Head Office, Patiala. Dear Sir,
APPLICATION FOR FINAL PAYMENT OF PROVIDENT FUND & GRATUITY SHRI_________________________________________________________________
Branch____________ Code______________
We furnish here below the information in respect of the above named employee, who will retire/retired/resigned/expired/been discharged etc. on .......................... 1. Name of the employee, P.F. No. & A/c No._____________________ 2. Designation of the employee ..................................... ....................... 3. PAN No.(Employees Income tax No.)__________________________ 4. Date of birth of the employee ............................................................ 5. Date of appointment ............................................. ............... 6. Specimen signature No. in case of Officer/Spl. Asstt.___________ 7. Date of ceasing of the service ............................................................ 8. Permanent Address/Phone No./Mobile No.______________________ 9. Reasons for ceasing in the bank's service (i.e. retiring/resignation/death/ dismissal/Under Exit Option/Retirement on superannuation)____________________________________________ 10. Total leave availed on loss of pay:___years _____months _____days 11. Period of suspension, if ever suspended (if treated as not spent on duty):___years___months___days 12. Length of total service (Net):___years___months___days 13. Particulars of salary drawn for the preceding 12 months before ceasing in service: Sr. Month Basic No. Pay Special FPP Allowance PQP PF Contribution Bank Self PF Loan Instalment __________
___ ______ ______ ________ ____ ____ _____ _____
14. Date of last annual Grade/stagnation ................................ ........................... 15. Particulars of loans & other dues : Accrued Intt As on dt of retirement
Increment
i) Provident Fund Loan Rs. ...................................................... ii) Festival Loan Rs. ...................................................... iii) Consumer Loan Rs. ...................................................... iv) Vehicle Loan Rs. ...................................................... v) Housing Loan Rs. ...................................................... vi) Entries outstanding in Suspence A/c Rs. ...................................................... vii) Others Rs. viii) Cost of Furniture/Fixtures Rs.................... TOTAL Rs. ...................................................... 16. Salary details for the financial year .................................................................... (i.e. starting form April to date of ceasing from the Bank's service by the employee). I. A) Total Basic Pay Rs. ...................................................... B) Dearness Allowance Rs. ...................................................... C) Special Allowance Rs. ...................................................... D) House Rent Allowance Rs. ...................................................... E) C.C.A. Rs. ...................................................... F) Other allowances Total Rs. ...................................................... II.
III.
Total Rs. ....................... ............................... Income Tax deducted at sourceRs. ......................................................

Investments made under section 80 -C of the Income Tax Act. A) B) C) Provident Fund (self contribution) Public Provident Fund Life Insurance premium paid during the current financial year Rs. .............................. Rs. ............................. Rs. ..............................
D) E) F)
National Savings Certificates Accrued Intt. on NSC Others Total
Rs. .............................. Rs. .............................. Rs. .............................. Rs. ..............................
17.
The employee was posted at ............................ and .......................................... Branches/offices prior to his posting at this branch. We have confirmed from the above branches/offices regarding the outstandings of the Bank against the above named which have been included in loan outstandings against the above named. It is con firmed that there are no other dues recoverable from the above employee except as mentioned at Para 9. It is certified that nothing is recoverable from the above named on account of cash handled/defective notes accepted/remittances sent to Reserve Ban k of India, which have not been examined as yet (For Cash Staff Only). It is certified that no disciplinary contemplated against the above named: proceedings are pending or being
18.
19.
(Important: In case of part time worker, please mention date of conver sion to scale wages to 1/3 r d or 3/4 t h . In case of cessation of service other than superannuation/death, send the copy of speaking orders of competent authority and death certificate in case of death of an employee. If during the last twelve months a n employee has been absent or remained on leave on loss of pay or had been under suspension and the period whereof does not count as service, the said period shall not be taken into account in the calculation of the average emoluments and equal of twelve m onths shall be included i.e. period of full wages only is to be reported) Yours faithfully, Branch Manager/Head of the Deptt. Signature of the employee/ Nominee(s) of deceased employee Forwarded in original to Chief Manager PPFG Deptt, H.O., Pati ala for release of final payment of PF and Gratuity to the above named. We hereby confirm the correctness of particulars given in application. We also certify that no disciplinary proceedings are pending or being contemplated against the above named whic h should affect the payment of PF and Gratuity to him/her. Date:____________ Signature of Controlling Authority With Seal
ANNEXURE-A PPFG DEPARTMENT FAX NO:0175-2301054 TELEPHONE NO.0175-2214776 EXTN.393,394,395,410,456 SEND ONE COPY IN ADVANCE STATE BANK OF PATIALA BRANCH______________________ CODE NO:___________ (To be submitted in Duplicate at least one month in advance is case of retirement) APPLICATION FOR FINAL PAYMENT OF PROVIDENT FUND & GRATUITY 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Name of the Employee and Account No:___________________________________ Date of Birth P.F. Account No: Designation :_____________________________________ :____________________________________ :____________________________________
Specimen Signature No. in case of Officer/ :_______________________________ Special Assistant Employees Income Tax (PAN) No: Permanent Address/Phone No./Mobile No: Date of Appointment :_______________________________ :_________________________ :____________________________________
** Date of ceasing the Banks Service:____________________________________ Reasons for ceasing the banks Service :____________________________________ i.e., Retirement on Superannuation/ Voluntary Retirement/Resignation/ Dismissal/Death/under Exit Option Scheme etc. Total leave availed on loss of pay :_______Year _______Month ______Days Period of suspension, if ever suspended :_____Year _____Month _____Days (if treated as not spent on duty) Length of total service (net) i.e. 8-7-10-11 :_______Year _______Month ________Days
11. 12. 13.
14.
Particulars of loans and other dues Accrued Interest as on
Present
Outstanding i. Festival Loan Rs. Rs. Rs. Rs. Rs. Rs. Rs.
date of retirement
ii. Consumer Loan iii. Vehicle Loan iv. Over Draft Limit v. House Loan viii.Other, if any
vi. Entries outstanding in Suspense A/c
_________________________ Total Liability 15. 16. 17. _________________________________________ : ______________________________ :_______________________________ :_______________________________
Disciplinary Proceedings Pending/ Contemplated, if any. Taxable Salary figures, paid during the year Tax deducted at source from salary during the current financial year
Important: In case of part time worker, please mention date of conversion to scale wages to 1/3rd, 1/2nd or 3/4th. In case of cessation of service other than superannuation/death, send the copy of speaking orders of Competent Authority and death certificate incase of death of an employee.
18. Salary details drawn for the preceding 12 months before ceasing in service:
S.N o Month/Ye ar Basic Pay (Rs.) Spl. Allow. Pay (Rs.) FPP (Rs) PQP (Rs) Employees PF Contribution (Actual/Proposed) Banks Self. PF Loan Share incl. Repayme voluntar nt y share)
1 2 3 4 5 6 7 8 9 10 11 12
If during the last ten months of the service an employee have been absent or remained on leave on loss of pay or had been under suspension and the period of whereof does not count as service, the said period shall not be taken into account in the calculation of the average emoluments and an equal period before the ten months shall be included i.e. period on full wages only is to be reported. N.B: Please do not include conveyance allowance/washing allowance etc. Arrears of pay, if any, should be shown only in the months to which they related and not in the month of payment. (Signature of the employee/Nominee(s) of deceased employee) Forwarded in original to the _____________________________(Controlling Authority) for onward submission to the Chief Manager, PPF&G Dept., Head Office, Patiala. We certify that nothing is recoverable from the above named on account of cash handled/defective notes accepted/remittances sent to RBI (For cash staff only). We also certify that the particulars given above by the above named official, retiring/retired/died at our Branch/Department are correct and true as per Banks record. We hereby confirm the correctness of particulars given in the application. We also certify that no disciplinary proceedings are pending or being contemplated against the above employee. No:_____________ Branch Manager/Head of the Dept. Date:___________ ______________________________________________________________________________
Forwarded in original to the Chief Manager, PPF&G Dept., Head Office, Patiala for release of final payment of Provident Fund and Gratuity to the above named. We hereby confirm the correctness of particulars given in the application. We also certify that no disciplinary proceedings are pending or being contemplated against the above named which should affect the payment of Provident Fund and Gratuity to him/her. No: ______ with seal Signature of the Controlling Authority
____________________________________________________________________________ FOR USE OFPPFG DEPTTT. BASIC PAY : SPL.ALL.P.FPP+PQP : D.A. : TOTAL :
ANNEXURE-B STATE BANK OF PATIALA APPLICATION FOR REGULAR PENSION UNDER STATE BANK OF PATIALA (EMPLOYEES) PENSION REGULATIONS, 1995 Passport Size Joint Photograph of the Pensioner and spouse to be affixed here duly attested. 1. 2. 3. 4. PAN (Income Tax No.) Name & Designation of the employee PF Account No: Full Address with telephone no. or Mobile No. ____________________________________ _______________________________ :____________________________________ :_______________________________ :____________________________________ ____________________________________ ____________________________________ 5. 6. 7. Date of Birth Date of Appointment Date of Retirement :___________________________________ : ___________________________________ :____________________________________
8. Reason for Retirement : Superannuation/Voluntary/Compulsory/Cessation of Service/Discharged from Service 9. 10. 11. 12. 13. 14. Branch/Dept. from where Retired Details of leave without pay Length of Pensionable Service (excluding leave without pay) :______________________________ :______________________________ :____________________________________ : ______________________________ : _____________________________ :_______________________________
Period of Suspension, if ever suspended Disciplinary Proceedings pending/ Contemplated (if any) Portion of amount to be commuted (not exceeding 1/3rd of Basic Pension)
15. 16.
Branch & S.B. A/c No. through which Pension is to be drawn
:______________________________
Whether Ex-serviceman? If yes, whether :______________________________ Opted for Banks Family Pension Scheme Or Family Pension from Military Service after death
(Whether in Subordinate cadre, Clerical cadre, Officer Cadre Please state clearly) Important: In case of part time worker, please mention date of conversion to scale wages to 1/3rd,1/2nd or 3/4th 17. Particulars of the members of family to whim the family pension is payable: Relationship employee with Date of Birth
S.No. Name of Member of Family
Date:________________
Signature/LTI/RTI of the Employee
Forwarded in original to the ________________________________________(Controlling Authority) for onward submission to the Chief Manager, (PPF&G) Pension Section, SBOP, Head Office, Patiala for sanction to Shri/Smt.________________________________________________ the payment of pension. We also recommend for sanction of 1/3rd being the commuted value of pension. It is certified that the particulars given by the above named are correct as per Banks record. Documents of pension complete in all respects including salary detail of the last ten months are enclosed. No:_______________ Date:_____________ Signature of the Chief/Branch Manager __________Branch
Forwarded in original to the Trustees, SBOP (Employees) Pension Fund Trust through Chief Manager (PPFG), SBOP, Pension Section, Head Office, Patiala for the grant of pension to the above named employee. We hereby confirm the correctness of particulars given in the application. The note approving the retirement of Sh./Smt.__________________________________ is also enclosed. No:_________________ Date:______________________ Signature of the Controlling Authority (With seal)
ANNEXURE-C STATE BANK OF PATIALA FORM OF CERTIFICATE OF NON-EMPLOYMENT/RE-EMPLOYMENT (To be obtained from the Pensioner retired as Officer from the Bank) I declare that I have not been engaged in commercial employment after retirement from the Banks service till date. I also undertake not to accept commercial employment within two years after retirement without obtaining prior permission of the Bank. OR I have accepted commercial employment as under w.e.f. _____________ after obtaining permission from the Bank. Copy of which is attached herewith. Name of Employer Post Held Date of Employment Monthly Income Place:_______________ Date:_______________ : _______________________________________________ :_______________________________________________ :_______________________________________________ :_______________________________________________ Signature:__________________ Name of Pensioner__________________ P.P.O. No:_________________________ Note: To be obtained from the Pensioner in the beginning and in November till completion of two years of retirement.
Business or Profession :_______________________________________________
LETTER OF UNDERTAKING The Manager (Pension) State Bank of Patiala ____________________ Dear Sir, Payment of Pension under PPO No:________________ In consideration of your having at my request agreed to make payment of pension due to me every month by credit to my account with you. I, the undersigned, agree and undertake to refund on making good any amount to which I am not entitled or any amount which may be credited to my account in excess of the amount to which I am or would be entitled. I further hereby undertake and agree to bind myself and my heirs, successors, executors and administrators to indemnify the Bank from and against any loss suffered or incurred by the Bank in so crediting my pension to my account under the scheme and to forthwith pay the same to the Bank and also irrevocably authorize the bank to recover the amount due by debit to my said account or any other account/deposit belonging to me in the possession of the Bank. Yours faithfully Signature:______________________ Name: ________________________ ` Date Witness Address :______________________ ______________________________
1.
Signature_________________ Name_____________________ Address:___________________ __________________________
2.
Signature_________________ Name_____________________ Address:___________________ __________________________
ANNEXURE-D
FORM OF NOMINATION FOR PENSION DUES Trustee SBOP (Employees) Pension Fund Trust, Patiala I, ______________________________ nominate the person named below under Regulation 51 of the State Bank of Patiala (employees ) Pension Regulations 1995.
Name & Address of the nominee Relationship with Pensioner Date of Birth if nominee is minor Name & Address of person who may receive the said pension during the nominees minority (if nominee is minor)
-----------------------------------------------------------------------------------------------------------1 2 3 4
Name & Address of other nominee in case the nominee under Col.1 predeceases the pensioner
Relationship with Pensioner
Date of birth if other nominee is minor
Name & Address of person who may receive the pension during the other nominees minority
Contingency happening which nominee at all become invalid
Place:_________________________ Date:_________________________ WITNESS Signature_____________________ Name & Address_________________ ---------------------------------------------Received on _________________________________
Signature (or thumb impression if illiterate) Name of Pensioner_______________ Address: _______________________
Signature of Receiving Authority____________________________ Note: One copy each to be kept with 1) Pension Disbursing Branch 2) Pension Section, H.O. Patiala ____________________ ____________________
ANNEXURE- E STATE BANK OF PATIALA _____________Branch No:Pen/______________ Dated:_______________ The Chief Manager State Bank of Patiala Pension Section Head Office Patiala Dear Sir, Pension Case of Sh./Smt.__________________________ Salary Details The above named employee retiring/retired/died on _____________________. To enable you to fix his/her pension, we give here below the details of basic Pay, Special Allowance, PQA and FPA, if any, drawn by the aforesaid employee during the last 10 months as defined in Regulation 2(a) (b) of State Bank of Patiala (Employees) Pension Regulation, 1995. S.No. Month/Year Basic Pay Special PQA FPA Total Including Stagnation Increment(s) Rs.
1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Total:
______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ______________________________________________________________________ ____________________________________________________________________
This is to certify that the salary particulars of the above named having been verified from our Branch/Office record and are correct. Signature of the Employee Branch Manager/ Head of the Dept.
Note: In case the employee remained on leave without pay during the last ten months that period should not be taken into account and equal period before the last ten months shall be taken into account.
ANNEXURE- F STATE BANK OF PATIALA APPLICATION FOR FAMILY PENSION UNDER STATE BANK OF PATIALA (EMPLOYEES) PENSION REGULATIONS, 1995 Passport Size photograph of the Family pensioner to be affixed Here duly attested Particulars of the Deceased Employee/Pensioner PAN (Income Tax No.): :______________________________ 1. Name of the Deceased Employee/Pensioner : _______________________ 2. PF A/c No: of the Deceased : ________________________ 3. Name of the Branch/Office : ________________________ the employee was last posted : ________________________ 4. Designation of the Employee at the time of : ________________________ Death/Retirement 5. Date of Birth of the Deceased : ________________________ 6. Date of joining Banks Service : ______________________________ 7. Date of Retirement (in case of pensioner) : ________________________ 8. Date of Death of Employee/Pensioner : ________________________ (Death Certificate to be enclosed) 9. Whether the employee/pensioner was an : ________________________ Ex-service man, if yes, he should submit : ________________________ Non-payment certificate of family pension From Military Particulars of the Claimant (Family Pensioner) 1. 2. Name of the Claimant : ________________________ Full Address of the Claimant : ________________________ (in Capital letters along with phone no., if any) : ________________________ ______________________________
3. Name & Address of Members of Family of the Deceased (including the Claimant) Name Relationship with Date of Birth Present Occupation the deceased ------------------------------------------------------------------
4.
Name of the Branch and Account No: Branch________________ A/c No:______________ through which the pensioner wants to withdraw pension
In consideration of your having at my request agreed to make payment of Family Pension (Husband/Wife/Father/Mother (deceased), in terms of State bank of Patiala (Employees) Pension Regulation, 1995, I hereby state and confirm as under: i) I am the rightful legal heir of my husband/wife/father/mother who was retired by the Bank on superannuation/voluntary/compulsory or expired during service/after retirement and eligible for receiving pension in terms of Regulation 39 and 40 of SBOP (Employees) Pension Regulation, 1995. OR I am the legal guardian of minor ________________________________ son/daughter of late Sh./Smt.__________________________________ appointed by the Court vide order dated __________________ (copy of Court Order attached). OR I, being natural guardian am entitled to receive Family Pension on behalf of minor (name)___________________ as per Regulation 40 of SBOP (Employees) Pension Regulation, 1995. I, further hereby agree and undertake to bind my self and my heirs, successors, executors and administrators to indemnify and keep indemnified the bank from and against any loss, expenses, costs and other monies suffered or incurred by the bank for ranking payment of the pension tome by so relying on the above or any other information submitted by me and that in case any such information so furnished is found to be wrong and/or incorrect and any such instance of false or wrong information comes to the notice of the bank at a later date. I, irrevocably, authorize the bank to recover the difference/excess amount paid to me along with all losses, expenses, costs and other monies etc. aforesaid from my future family pension or any other account in my name or through any other means of mode including the process of law. I hereby undertake to keep the above particulars up to date by notifying to the Bank any addition or alteration. Yours faithfully, (Claimant) Forwarded in original to the ________________________________ (Controlling Authority) for onward submission to the Chief Manager, Pension, PF&G Department, SBOP, H.O., Patiala. Sh.Smt._________________ is eligible to receive family pension of late Sh./Smt.____________(deceased employee) of our bank as per SBOP (Employees) Pension Regulations, 1995. We, therefore, recommend payment of family pension to him/her and confirm that the particular given in the application are correct as per Banks record. No:_______________ Chief/Branch Manager Date:______________ Branch_____________ ----------------------------------------------------------------------------------------------------------------------Forwarded in original to the Trustees, State Bank of Patiala (employees) Pension Fund Trust through Chef Manager, State Bank of Patiala, Pension PF&G. Dept., Head Office, Patiala for grant of family pension to the above named legal heir of the deceased and confirm the correctness of particulars given in the application. No:________________ Date:______________ Signature of the Controlling Authority/ Head of the Dept. with seal
ii.
iii.
Date:_________________
ANNEXURE-G CERTIFICATE OF RE-MARRIAGE/NON-MARRIAGE (To be obtained from Widow/Widower/Daughter of the deceased employee) I hereby certify and declare that I have not married/re-married after death or my husband/wife. And I further undertake to intimate the Bank as and when I marry/re-marry. OR I have married/re-married on ________________________________ Place _________________ Date: _________________ Pensioner______________ Signature: _____________ Name of
PPO No:_______ Certified that the declaration by Sh./Smt.________________________________ W/H/D/o of Late Sh./Smt.________________________ is correct to the best of our knowledge and belief.
Branch:_________________ Dated:__________________
Manager/Head of the Dept.
ANNEXURE- H STATE BANK OF PATIALA NOMINATION FORM FOR PENSIONERS BENEFIT) To The Trustees State Bank of Patiala Employees Pension Fund Trust Patiala Name of the Employee Fathers/Husband Name Permanent Address : ___________________________________________ : ___________________________________________ : ___________________________________________ ___________________________________________ ___________________________________________
I hereby nominate the person(s) mentioned below to receive the amount of pensionary benefits in the event of my death before that amount becomes payable or, having become payable, has not been paid, and direct that the said amount shall be distributed among the said person(s) in the manner shown against their names:
Name & Address of the Nominee
Nominees relationship with employee
Age of nominee
Amount of share of commutation to be paid to each nominee
_______________________________________________________________________________ Date:______________ WITNESS: Signature: ____________________ Name: ______________________ Address: _____________________ ______________________ ______________________ Dated:________ Pensioners Signatures verified (Signature of the Pensioner)
________________________
(Signature of the Manager/ Head of the Deptt.
FORM A STATE BANK OF PATIALA NOMINATION FORM FOR GRATUITY: P.F. A/c No:__________________ Through The Manager The Trustees State Bank of Patiala Employees Gratuity Trust Fund State Bank of Patiala Head Office, The Mall ___________________ Patiala Branch/Dept. Code No:_______ _______________________________________________________________________________ 1. 2. 3. 4. 5. Name of the Employee Mrs./Mr./Miss*___________________________ Fathers/Husbands Name Shri_____________________________________ a) Date of Birth ________________ b) Religion_________________ Marital Status Married/Unmarried/Widow/Widower Permanent Address ________________________________________ ________________________________________ ________________________________________ ________________________________________ I hereby nominate the person(s) mentioned below to receive the amount of gratuity in the event of my death before that amount becomes payable, has not been paid, and direct that the aid amount shall be distributed among the said person(s) in the manner shown against their names.
Name & Address of the Nominees relationship Age of nominee Amount of share of Nominee with employee gratuity to be paid to each nominee**
_______________________________________________________________________________
*1 Certified that I have no family and should I acquire a family hereafter, the above nomination should be deemed as cancelled. *2 Certified that my father/mother/sister(s)/minor brother(s) is/are dependant upon me. Date this ______________ day of ___________________ 20____________ at __________ _________________________ (Signature of employee) Two witnesses to sign 1. a) b) c) Signature__________________________ 2. Name ____________________________ Address ___________________________ __________________________________ __________________________________ a) _______________________ b)_______________________ c) _______________________
Certified that the above declaration has been signed by Sh./Smt./Miss.______________________ before me after he/she has read the entries/*the entries has been read over to him/her by me. Date:____________________ ` __________________________ (Signature of the Manager Head of the Dept.) * Delete the inapplicable works ** This column should be filled in so as to cover the whole of the amount of gratuity that may be payable in the event of his death.
ANNEXURE- I PROVIDENT FUND FORM II (Form of Nomination when member has a family) P.F. Account No:__________ Member Name_______________________________ (in block letters) Place:______ Date:_________ To The Trustees of the State Bank of Patiala Employees Provident Fund Trust (Through ____________________________________________________) STATE BANK OF APTIALA Branch /office_________________ Code No:_________) Gentlemen, I hereby direct that the amount payable to me from the State Bank of Patiala Employees Provident Fund Trust at the time of my death shall be distributed among the members of my family mentioned below in the manner shown against their names: Name & address of the nominee or nominees 1 Relationship with the member 2 Age of the nominee(s) 3 Amount or share of accumulations 4
Without prejudice to my right under sub-regulation (3) of regulation 19 of the State Bank of Patiala Employees Provident Fund Regulations to cancel the nomination made by me Whenever I think fit, I hereby give notice that in the event of the person/any of the persons nominated there under predeceasing me, this nomination shall forthwith stand cancelled. Yours faithfully, (Signature)
Witnesses: 1. Signature ____________________ Name _______________________ Designation___________________ Address______________________ 2. Signature ____________________ Name _______________________ Designation___________________ Address______________________ Members signature verified by me. __________________Branch Manager/Head of the Dept. ** Note: Column 4 maybe filled in so as to cover the whole amount at credit
ANNEXURE- J PROVIDENT FUND FORM III (Form of Nomination when member has no family) P.F. Account No:__________ Member Name_______________________________ (in block letters) Place:______ Date:_________ To The Trustees of the State Bank of Patiala Employees Provident Fund Trust (Through ____________________________________________________) STATE BANK OF APTIALA Branch /office_________________ Code No:_________) Gentlemen, I hereby direct that the amount payable to me from the State Bank of Patiala Employees Provident Fund Trust at the time of my death shall be distributed among the members of my family mentioned below in the manner shown against their names: Name & address of the nominee or nominees 1 Relationship with the member 2 Age of the nominee(s) 3 Amount or share of accumulations 4
Without prejudice to my right under sub-regulation (3) of regulation 19 of the State Bank of Patiala Employees Provident Fund Regulations to cancel the nomination made by me Whenever I think fit, I hereby give notice that in the event of the person/any of the persons nominated there under predeceasing me, this nomination shall forthwith stand cancelled. Yours faithfully, (Signature)
Witnesses: 3. Signature ____________________ Name _______________________ Designation___________________ Address______________________ 4. Signature ____________________ Name _______________________ Designation___________________ Address______________________ Members signature verified by me. __________________Branch Manager/Head of the Dept. ** Note: Column 4 maybe filled in so as to cover the whole amount at credit
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CHAPTER 10 FACILITIES TO EX-SERVICEMEN EMPLOYEES

1. FACILITIES TO RESERVIST EX-SERVICEMEN EMPLOYEES CALLED FOR TRAINING The reservist ex-servicemen, re-employed in the Bank's service are at times compulsorily called by the military authorities to undergo biennial training of four weeks or so. The period of such absence during training of reservist ex-servicemen employees called for compulsory training should be treated as 'on duty' and they be paid only the difference between the salary payable to them by the Bank and the allowance paid by the military authorities during the period of training. (Cir. No. Per/61 of 1977 dt. 11.10.77) 2. FACILITIES TO EX-SERVICEMEN EMPLOYEES APPEARING BEFORE THE MEDICAL RE-SURVEY BOARD/ARTIFICIAL LIMB CENTRES (1) Ex-Serviceman re-employed in the Bank's service, who has sustained injuries during operations and have to go to artificial Limb Centre for replacement of the artificial limb(s) or for treatment or have to appear before Medical Resurvey Boards for assessing their disability/pension may be granted special casual leave upto a maximum of 15 days in a year, including transit time both ways, on the basis of Medical Discharge Certificate in deserving cases. Such cases for grant of special casual leave should be referred to controlling authorities for considerat ion on merits. (Cir. No. Per/35 of 1977 dt. 5.4.77) (2) The authorities empowered to sanction the above special casual leave are as under: (a) Employees working at the branches under the control of the Regional Manager - Zonal Manager (b) (c) Employees working at the branch managed by Chief ManagerChief Manager Employees working at H.O.- General Manager concerned. ******
CHAPTER 11 FACILITIES FOR EMPLOYEES TAKING PART IN SPORTS & CULTURAL ACTIVITIES
A.
1.
SPORTSMEN EMPLOYEES
APPOINTMENT OF OUTSTANDING SPORTSPERSONS
IN THE SERVICE OF THE BANK A uniform scheme for recruitment of Sportspersons in Public Sector Banks has been circulated by the Government of India. It has, therefore, been decided to adopt the said scheme in our Ba nk also. The salient features of the scheme for officers are re -produced below.
(a) Eligibility Norms Age Educational Qualifications Sports Qualifications Between 18 & 26 Graduation Should have represented the country or won an Arjuna award or represented the State with Distinction for at least five years in continuation.
(b) (i)
Recruitment Through advertisement in leading dailies calling for applications with all relevant certificates with regard to the qualifications as stated ab ove. On receipt of the applications as stated above, they should be scrutinised by the competent authority. Candidates found to possess the qualifications as stated above may be called for an interview and selections made strictly on the basis of merit. Since the recruitment will be on the basis of sports qualifications, maximum weightage would be given to this factor as well as to the age of candidates.
(ii) Character verification and medical tests There would be the usual character verification and m edical tests for candidates recruited. For sportspersons, recruitment will be done in the same manner as is done for regular candidates selected for appointment. (iii) Discipline The bank will recruit sportspersons only in those disciplines which are recognised by the Bank's sports Board and out of such disciplines also, the Bank may shortlist 4/5 disciplines in which it can build a strong team of national level. (iv) Ceiling Banks may recruit sportspersons, the number of which may not exceed 1% of the total recruitment in the clerical and subordinate cadres of the Bank in the immediately proceeding year. Banks should not consider those who are already working in some other bank, unless the application is routed through the employer bank.
(c)
Scholarship Scheme Sportspersons in the age group of 15 to 18 years could be offered a scholarship/retainership on a temporary basis for which a fixed amount not exceeding the starting salary of clerk be paid.
(d) (i)
Other Conditions All appointments under this scheme shall be entirely at the discretion of the Bank shall be made at the starting stage of the pay scales admissible to the post. The appointments in the officers cadre will be made at the minimum of the pay scales of the officers in JMGS -I and will be governed under the rules/policies in force from time to time. All these appointments will be on probation for the period as for general candidates. (ii) At the time of appointment, the candidate must be an active sportsperson and should be fit enough to take part in future tournaments as well. (iii) Sports/games certificates/achievements may be got verified by the Bank from the issuing authorities independently also. In case of any doubt, the candidates may be asked to give a demonstration in the gam e in which he/she claims to be meritorious. (iv) Only Indian citizens are eligible for appointment under this scheme. Age will also be relaxed in the case of reserved categories as per the guidelines issued by the Government from time to time. (v) Certifying Authorities/Certificates and Credentials The certificates relating to efficiency/merit in games/sports would be required from the authorities as prescribed by the Government or Banks' Sports Board. Mere recommendations from reputed sports club does not carry any weight unless the applicant produces the requisite certificates from the prescribed certifying authorities. Certificates and Credentials will have to be submitted before appointment. Obligations of the Sportsperson employees appointed in terms of the above (i) The sportsperson recruited under these rules would be obliged to play for the Bank as well State Bank/Associate Banks' Group team whenever and wherever necessary. If a sportsperson employee is required to participate in State/National/International events, he/she will have to seek prior permission of the Bank which will not be normally refused, but the Bank reserves the right to withhold such permission at its own discretion without assigning any reason. (ii) Refusal to play for Bank's team or failure to obtain prior permission of the Bank to play elsewhere would be tantamount to misconduct and shall attract disciplinary proceedings provided for in the relative Service Rules.
(e)
(iii) All sportspersons recruited under these rule s will be required to give a written undertaking to the Bank to the above effect at the time of their appointment in the Bank.
(iv) Amendment of the scheme The provisions of the scheme will be subject to amendments as per the guidelines issued by the Government on the subject from time to time. Cir. No's. Per/65 dt. 15.11.77 & Per/41 dt. 12.1.94 2. PARTICIPATION IN TOURNAMENTS ETC. OF BANK'S SPORTS BOARD (a) Bank employees participating in Tournaments sponsored by the Bank's Sports Board or by one of its Regional Sports Boards or are representing Bank's Sports Board may be allowed of the following facilities irrespective of their cadre and eligibility : (i) Special Leave (ii) Travel by first class by train as granted to Central Government Employees. (iii) Boarding, lodging and halting allowance facilities as applicable to Junior Management Grade Officers in banks. (b) It has further been decided that the above facilities may also be extended to the Bank employees who are deputed as volunteers for making arrangements for tournaments etc. or to act as officials like umpires referees etc. for organising tournaments on behalf of the Bank or other banks which are sponsored by Bank's Sports Board/Regional Sports Boards. Cir. No's. Per/19 of 1987 dt. 24.8.87, Per/9 of 1990-91 dt. 10.5.90 & IRD/2 dt. 22.7.91 3. SPORTSMEN - PAYMENT OF T.A./D.A. (a) Employees/officers of the bank who are deputed to play inter -Bank matches are paid travelling and daily allowance as under : (i) Conveyance charges (actuals) upto a maximum of Rs.10/- per head from residence to station and from station to residence each way. (ii) Journey allowance @ Rs.15/- per head per day when the team travels by Ist class and Rs.25/- per head when the team travels by 2nd class. No extra charges are paid in respect of tea, snacks, coolie charges, newspapers, water carriers, etc. (iii) Out-of-pocket expenses @ Rs.5/- per head per day for duration of the stay. The team should arrive at the venue one day prior to the first match and should leave one day after its fixture, no matter when the finals are to be played. Out of pocket allowances is not to be paid for journey days. (iv) Actual boarding and lodging expenses are reimbursed subject to a maximum of Rs.45/- per head per day in respect of tournaments held at Bombay, Calcutta and New Delhi and Rs.30/ - for other centres. (Cir. No. Per/57 of 1977 dt. 15.9.77)
(b) At their invitation, our Bank's teams also participate in the tournaments sponsored by State/Distt. Sports/Distt. Bodies/o rganisations or other sports clubs etc. who as a gesture of help or to attract players, offer certain facilities to the participating teams in the following forms : (i) Concessional Railway fare. (ii) Special Allowance on play days. (iii) Free boarding and lodging facilities. In order to avoid double payment and to regulate the position regarding entertaining of claims of sportsmen employees in cases where the boarding and lodging charges are to be borne by the organisers of the tournaments, the travelling and daily allowances detailed above shall be proportionately reduced i.e. the concerned employee will be paid the difference, if any, of the amount received by him from the organisers of the tournaments and that payable to him by the bank. The Branch Manager/ Heads of Departments at Head Office shall obtain certificate from the sportsmen employee about the amount received by them from the organisers of the tournaments and reduce the travelling and daily allowance proportionately while admitting their claims. (Memo No. Per/38 of 1979 dt. 5.7.79) (c) Sportsmen employees of the Bank proficient in games viz. Cricket, Hockey, Football, Table Tennis, Volleyball, Basketball and Athletics are entitled to special leave as under : (i) Special non-cumulative leave to the extent of 60 days in a calendar year. (ii) Additional special non-cumulative leave to the extent of 120 days in a calendar year for participation in national/international fixtures in India, subject to the sanction by the Managing Director. (iii) Where an employee plays in a team on behalf of the Bank, he will be treated as on duty. (iv) Subject to the approval by the Managing Director the sportsmen employees selected to represent India abroad will be granted leave on full pay for the entire duration of the foreign tour. (v) Special leave subject to a ceiling of 30 days in a calendar year to such sportsmen, employees who participate in tournaments of national/international importance in games, not recognised by the Bank, depending upon merits of each case. (vi) Those who officiate as coaches/managers/umpires/referees of team participating in national/international tournaments will also be entitled to special leave as available to sportsmen employee. The facility will not be available for participation as lines man, marks man or side referee or to a person who is associated in an honorary or decorative capacity such as a member of Reception Committee, Refreshment Committee. (Cir. No. Per/54 dt. 17.6.88)
Request for grant of such leave should be sent well in advance to the concerned controlling authority and prior approval should be obtained. Cir. No's. Per/65 of 1977 dt. 15.11.77 Per/13 of 1980 dt. 7.4.80 Per/75 of 1987 dt. 10.8.87 & Per/65 of 4.1.1997 (vii) As the sportsmen employees remain actively engaged in the pursuit of sports throughout the better part of the year and cannot be reasonably expected to compete with others in academic or even job -oriented tests for promotions, the application of extent standards would severely hamstring their norms advancement in the service career due to involvement in the sports, the standards for promotion for sportsmen employee will be relaxed by 5% in the written test and 10% in the interview. Further, since the major contribution of the sportsmen to the Bank is in the form of creditable representation in various sports, due weightage will be given to outstanding performance shown by them in the field and will be considered equivalent to excellence in the Bank, for promotion. (Cir. No. Per/65 of 1977 dt. 15.11.77) (viii) As per extant instructions, officers in JMGS -I due for promotion to MMGS-II are required to serve for a minimum period of 2 years in a rural branch and officers in MMGS-II due for promotion to MMGS-III are required to serve for a minimum period of 3 years in a rural/semi urban branch. Govt. of India have clarified that this stipulation may be relaxed in respect of active National/International sportsman employees in recognised games viz. Cricket, Hockey, Football, Table -Tennis, Basketball, Volley Ball and Athletics. For this purpose, an active National player would be a sportsman who plays in a recognised national competition on behalf of the staff. An international sportsman would be one who represents the country in International Competition. Such of those officers who cease to play/come below the level indicated will however be required to acquire rural/semi urban branch experience. (Cir. No. Per/25 dt. 29.6.90) (ix) As the possibility of sustaining an injury by sportsmen employ ees while playing on behalf of the bank cannot be ruled out, it has been decided to reimburse the expenses incurred by them on the medical treatment of the injuries sustained by them while playing for the Bank or while participating in tournaments represen ting the bank by debit to charges account, provided prior permission to participate in the fixture(s) has been obtained from the competent authority i.e. the General manager (operations) and the expenses incurred on medical treatment have been verified by the Bank's retainee doctor/approved doctor. (Cir. No. Per/22 of 1979 dt. 5.6.79)
B.
PARTICIPATION OF EMPLOYEES IN CULTURAL CTIVITIES
1. No restrictions need to be imposed on the employees undertaking activities which are purely literary, cultural, arti stic or religious in character, provided such assignments are undertaken outside the office hours and are not likely to interfere with the discharge of their duties and responsibilities in the Bank. In such cases, the employees may be permitted to retain in full the remuneration they may receive in connection therewith. In case of lectures/radio talk on articles contributed to journals, periodicals etc. on subjects connected with the employees specialised field of study and work in the Bank, so as, these are undertaken in their personal capacity. The necessary permission may be granted to them subject to the condition that they do not disclose their connection with the Bank and do not mention anything objectionable from the Bank's point of view. They wil l surrender 1/3rd of the remuneration. The competent authority to grant permission is General Manager. Cir. No's. Per/88 of 1984 dt. 6.11.84, Per/8 of 1985 dt. 16.1.85 & Per/16 of 1985 dt. 16.1.85 2. through (i) (ii) (iii) Officers participating in undernoted activities to se ek prior approval Controlling Authority: Writing books connected with banking or otherwise. Acting in Feature Films/on stage. Contributing articles/giving talks/lectures relating to Banking and other subjects in newspapers and magazines. (iv) Appearing on T.V. as commentators, experts musicians, dancers etc. (v) Appearing as models in advertisements/and films. (vi) Participating in any other cultural or literary activities. (vii) Giving religious discourses. 3. While considering request it will be ensured that (i) (ii) The concerned officers do not involve themselves and the bank, in any controversial matters. No inflamatory articles are contributed to by our employees with regard to political situation prevailing in India/outside which may have adverse repercussions or may invite adverse criticism.
(iii) The activity/action for which permission is granted should be befitting the status of the officer and does not in any way disparage the Bank. (iv) Such activity should not come in the way of efficient performance of officer's duties in the Bank. (v) Remuneration expected will be mentioned in the application and the same will be allowed to be retained by the officer where permission granted.
4.
Cultural activities Special Leave for Employees It has been decided to grant special leave to employees who are outstanding performers in the field of classical music, classic dance, stage acting, painting and literature on the following conditions: i) ii) iii) iv) v) vi) The event should be recognised one at National/Regional level. There should be official invitation from the organisers. The leave depending upon the event should not exceed 7 days including time used for travel to and fro. The employees will not be eligible for any other monetary benefit or time off facility for practice. The leave should be treated as non cumulative special leave.
An individual employee may be granted such non cumulative leave upto 7 days at any one instance and not more t han 30 days in a year. Maximum entitlement of an employee during his/her entire career will be 300 days. General manager is the competent authority for sanctioning the above special leave. (Cir. No. IRD/2 dt. 20.9.96)
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CHAPTER 12 FACILITIES AVAILABLE TO INSPECTING OFFICERS

The following monetary and non -monetary facilities are to be extended to the inspecting officials on mobile duty: (1) For purchase of essential kits such as woollen garments, blankets, suit case, raincoats etc. inspecting officers are allowed as under: Rs.4000/- for Ist year of mobile duty. Rs.2000/- per annum for the subsequent years of mobile duty. (Cir.No.Per/41 dated 14.12.2005) (2) In addition to the EXISTING Discomfort Allowance of Rs.10/-, payment of Adhoc Supplementary Discomfort Allowance or Rs.10/ - per day will be allowed to the inspecting officials during their term on mobile duty. The facility of reimbursement of lodging and boarding expenses on the Bank's usual terms and conditions will continue to be available to the inspecting officials. (3) Halting Allowance is to be paid even when the Inspecting Officials are on casual leave. (4) The Inspecting Officials joining the Inspection Department on mobile duty may be permitted, if they so desire, to shift their family to any place convenient to them for the duration of their deputation to Inspection Department. Actual expenses incurred on such shifting may be reimbursed to them to the same extent to which they would have been eligible if they had been transferred to that place and joined the Inspection Department from there. (5) An Inspecting Official, if he so desires at the time of his joining the Inspection Department or within six months from the date of joining, may be provided a residence on the Bank's usual terms and conditions at any place of his choice. (6) During their tenure in the Inspection Department, the inspecting official swill draw salary and allowances as applicable to the place of their last posting. However, City Compensatory Allowance will be payable to them in case they shift their residence from a non -CCA Centre to a Centre where City Compensatory Allowance is payable. Likewise, he is eligible to draw HRA at the rate applicable to the area where his fami ly has been shifted. (7) When officials fall sick while on mobile duty and continue to stay at the same station or shift to a nearby -place where proper medical facilities are available, halting allowance may be paid upto 6 days and, in deserving cases, the payment of halting allowance may be extended upto one month.
(8)
(9)
(10)
(11)
(12)
(13)
(14)
(15)
In case the services of an inspecting official are required at the place to which he has shifted his family, or the last place of his posting in case the family has not been shifted there from, the will continue to draw halting allowance during his stay at that place, with a maximum period of one month. An Inspecting official, while on mobile duty, may be permitted an additional fare equivalent to the fare of the lowest class in the Railway/Bus/Steamer if he is accompanied by a servant or a member of his family. If an Inspecting official, who is entitled to travel by Air -conditioned class is accompanied by his wife and both travel by first class, the relative fares may be reimbursed provided that the total cost thereof does not exceed the combined cost of one Air -conditioned Class. Where Inspecting officials proceed on leave from one station and report for duty at another, they may be reimbursed with the travelling expenses actually incurred by them for travelling a longer distance (by a lower class) provided that the amount claimed does not exceed the amount reimbursable by the entitled class by the direct route from the last place to the next place of duty. In addition to the usual home travel and leave fare concession facilities as per the service rules, the inspecting officials may be permitted to take leave and visit the place where their family is stationed at the Bank's expenses in that block of 12 months when HTC/L FC is not due to expire. Conveyance expenses incurred for daily commuting between the temporary residence and the branch under inspection may continue to be reimbursed to Inspecting officials. Suitable insurance cover is provided to the mobile staff in respect of personal accident risks to which they may be exposed while travelling on duty. All inspecting officials are entitled to the facility of a telephone at their residence.
(16) Inspecting officials belonging to SMGS -IV and above may claim reimbursement of entertainment expenses as per their entitlement in the scale. (17) The expenses of purchase of two newspapers (Dailies) may be reimbursed to all inspecting officials. (18) The Inspecting official's preference for the next place of p osting may be favourably considered after completion of their inspection assignment. (19) The requests of officials on mobile duty for a transfer may also be considered on an out-of-turn basis, subject to administrative exigencies. (20) In the matter of granting leave, etc. to inspecting staff a sympathetic view may be taken and requests received from them may be generally acceded to except in cases of emergencies. Their requests for transfer may also be considered favourably, subject to administrative c onvenience.
(21) While the normal tenure on mobile duty is three years, in case an official suffers genuine hardship, his request for posting in a Branch/Office before completion of the normal tenure may be considered sympathetically. (22) It has been decided that one STD/Urgent Trunk Call for 3 minutes duration per fortnight may be allowed to be made by the inspecting officials from the branches/office where they are doing inspection to their residence at the Bank's cost to enable them to keep in touch w ith their family. (23) (a) The travelling expenses of the spouse may be paid in accordance with the entitlement of the official. (b) (c) The spouse may join the official and return once a year rather than only once in the entire tenure. When the Inspecting Official is deputed for training to any of the Staff Colleges and in cases where his/her spouse is accompanying him/her at that time, the to and fro expenses for the spouse to go back to his/her place of residence during the training period and joining back shall be reimbursable. Cir. No's Per/32 dt. 3.4.89, Per/57 dt. 15.3.96, Per/8 of 1992 dt.18.5.92, Per/72 dt. 14.2.1997and Per/31 dated 23.01.2004
Payment of Adhoc supplementary Discomfort Allowance of Rs.10/- per day (in addition to the existing Discomfort Allowance of Rs.10/-) to be allowed to the inspecting officials during their term on mobile duty.
24.
(Cir.No.Per/31 dated.23.01.2004)
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CHAPTER 13
EMPLOYEES ON FOREIGN ASSIGNMENTS/DEPUTATION ABROAD
1. The employees of public enterprises, like Government employees are entitled to enroll their names with Foreign Assignments Section, Department of Personnel and Administrative, Reforms, Government of India for assignments with the U.N. bodies & Governments of dev eloping countries of Asia and Africa. The matter with regard to retention of lien of temporary/regular employees, while on foreign assignments was examined by the Bureau of Public enterprises, Government of India, who decided that : (i) It would be inappropriate to import the concept of lien in respect of top appointments, which are of the nature of tenure appointments. (ii) the question of lien of purely temporary employees would not arise; and (iii) there should not be any objection to retaining th e lien of non-top posts to the post held, or which he would have held but for his proceeding on foreign assignment. However, where an officer, while on foreign assignment, wishes to change the organisation, and enter into the employment of another orga nisation, he would be first required to return to India and resume his job in the parent organisation before submitting his resignation. To obviate the possibility of employees using his foreign assignments as "Spring Board" for bettering his prospects without regard for the interest of his parent organisation or the country, an employee proceeding on foreign assignment will be required to give an undertaking that he would return to India after the expiry of his tenure abroad. In addition, the benefit of provident fund/gratuity will be disbursed subject only to the employee observing the service rules/conditions including the one relating to return to India before leaving the parent organisation from foreign country. When officers of the Bank are deputed f or foreign assignments, it will be necessary to bear in mind the foregoing advices of the Government of India. Bank has been advised by the Ministry of Finance, Department of Economic Affairs, Government of India, New Delhi that an officer proceeding abroad on deputation will not be permitted to draw any part of his pay in foreign currency through Indian Missions abroad. However, such officers will be permitted to take foreign exchange with them in the form of cash or traveller cheques on the following scales for personal incidental expenses: (i) for the first ten days Rs. 40/- per diem. (ii) for the period thereafter Rs. 20/- per diem for a maximum period of 90 days.
2.
3.
4.
5.
6.
The above instructions will be applicable only to such officers as are deputed abroad and are to be allowed daily allowance at the prescribed rates. Cases of officers proceeding abroad under various training programmes and who will not be drawing daily allowance will be considered on merits of each case. The requests from the officers fro taking their wives along with them while proceeding abroad on deputation and clearance of passage for their wives, will not be entertained. Application from officers for release of foreign exchange as indicated above duly supported by orde r sanctioning the deputation abroad will require to be sent to the Ministry of Finance, Department of Economic Affairs, Government of India, New Delhi for clearance. (Cir. Per/52 dt. 10.11.1976 & Per/23 15.12.1977 ) **********
CHAPTER 14 FACILITIES AVAILABLE TO RETIRING/RETIRED OFFICERS

A. RETIRING OFFICERS Besides the Provident Fund/Pension (as per their options), gratuity, encashment of P. Leave, at the time of retirement from the service of Bank, the retiring officers are also allowed following facilities : (1) RESIDENTIAL ACCOMMODATION & TELEPHONE ETC. Ordinarily, it should be possible for an officer to make arrangements for his/her residential accommodation immediately after his/her retirement. When, however, it is not possible for him/her to do so, he/she may be allowed to retain the official residential accommodation provided to him/her by the Bank for a period under no circumstances exceeding 2 months from the date of retirement. He may be extended the facility of ch arging only such amount as he was paying first prior to his retirement instead of 4% of the last basic pay. However Bank will not issue any receipt for the rent paid by the officer. Telephone if provided during service could also be continued upto two mo nths and telephone bill will be paid by the officer. Cir No. Per/28 dt. 4.7.80, Per/122 dt. 31.12.87, Per/33 dt. 23.9.94, & Per/16 dt. 15.6.92 Following guidelines are also applicable in regard to retention of residential accommodation af ter retiremen ti) The designated houses meant for Branch Managers/Asstt. General Managers/Dy. General Managers/General Managers/Chief General Manager etc. must be vacated within 15 days of retirement. The incumbent concerned should make alternate arrangements befor ehand as the date of retirement is known in advance. No extension will be allowed. ii) Retention of leased house/Banks f lat, other than designated houses will not be permitted beyond two months under any circumstances. Education of children should not be an excuse as the date of retirement is known in all cases. iii) Facility of retention of leased residential accommodation/Banks flat af ter retirement on superannuation, is not available to officer leaving the Bank on voluntary retirement. (Cir.No.Per/39 dated 13.01.1999 and Per/50 dated 26.03.1999) (No other change in the instructions contained in Cir. No. Per/16 dt. 15.6.92).
iv) Leave encashment, if any, should be withheld in term deposit till such time the officer vacates the Banks residenti al accommodation and also in case of any advance against LFC/HTC. (Cir.No.Per/34 dated 3.11.2000) If any other facility like use of car during the post retirement period has been extended to any officer, the same may be discontinued forthwith and the amount of gratuity payable to such officers should be released only after getting the vacant possession of the official accommodation/flat, settlement of telephone bills etc. There have been instances when retired officials have not vacated the official residential accommodation even after the expiry of two months period. As such it has been decided that: (i) Since an officer is aware of the fact that he is to retire on a particular date, it is expected that he will make suitable alternative arrange ments well in advance. Therefore, normally, there should be not occasion for permitting an official to retain the residential accommodation beyond the date of retirement. (ii) In exceptional case, like where the official's own house was leased out to the Bank and the Bank has not been able to provide vacant possession of the house, or where the official needs to retain the house for any urgent work, like marriage of his child, treatment of serious ailment etc. permission may be granted for retention of th e house for a period not exceeding 2 months from the date of retirement. (iii) Before releasing the terminal benefits, a written undertaking should be obtained from such officers to the above effect that if the flat is not vacated on expiry of two months, commercial rent will be recovered from the gratuity. (iv) Leave encashment, if any, should be withheld till such time the official vacates the Bank's residential accommodation. (v) In case the official does not vacate the official residential accommodat ion after the expiry of two months period, commercial rent should be recovered from him. Exception to this could be made in those cases where appropriate authority has agreed to do so strictly on the merits of the case on receiving an application from the official concerned and is satisfied about the grounds for such request. The appropriate authority for this purpose will be General Manager (Operations) if the accommodation is not vacated during the period beyond 2 months to 4 months and beyond 4 months to 6 months, the Chief General Manager may consider the cases.
(vi) Further, it should also be made clear to the retiring officers that their official residence are to be vacated on or before the date of retirement and relaxations, on the above lines are su bject to approval depending upon the merit of the case. Simultaneously eviction proceedings should also be initiated as per existing procedure if the retired officer says beyond the permitted period.
Retention of Car etc. after Retirement: Officers in TEGS- VI and above may be allowed, by the competent authority, to retain the office car for a period of two months after retirement. In case where designated houses are to be vacated within 15 days, the retired official may avail the facility of car at his residence in the same zone/another zone for a period not exceeding two months from the date of retirement from the pool of car/hired cars. The undernoted authority structure is approved for allowing the above facility to various categories of officers: a) b) For officers in TEGS VI For Managing Director Managing Director Executive Committee
(Cir.No.Per/44 dated 27.2.1999) 2. TRANSFER OF FURNITURE ON CONCESSIONAL RATES TO RETIRING OFFICIALS/FAMILIES OF DECEASED OFFICIALS The Retiring officers are allowed to purchase furniture items provided at their official residences at the following rates : (a) If the furniture has been in use for 5 years 50% of original or more but less than 7 years cost or book value whichever is higher. (b) If the furniture has been in use for 7 years 40% of original or more but less than 10 years. cost or book value whichever is higher. If the furniture has been in use for 10 years 25% of original or more. cost or book value whichever is higher. (Cir. No. Per/9 of 1994-95 dt. 15.6.94)
(c)
The cost of mattress/curtains should be written off in the case of retirement of the officers concerned. (Cir.No.Per/11 dated 23.04.2002) The retiring officers who are residi ng in their own houses at the time of retirement and availing the facility of furniture/fixture may also be allowed to purchase fixture items. (Cir. No. Per/03 dt. 15.4.97) The Executive Committee of our Banks Board of Directors at their meeting held on 8 t h Dec. 2005 has approved sale of furniture to all officers who retire only on superannuation irrespective of length of service. (Cir.No.Per/36 dated 14.12.2005)
The officers are allowed to retain the mobile sets (provided the mobile set is three or more years old) at the time of retirement in normal course at the age of superannuation. In respect of those officers who acquired the mobile phone set before 01.03.2006, or had become eligible for the facility of mobile phone less than three years from the date of their superannuation, shall also be allowed the benefit of this facility. (Cir.No.IRD/BOD/79 dated 31.03.2006) The Executive Committee at their meeting dt. 10.3.94 have approved the detailed guidelines to allow such facility to the r etiring officials/families of deceased officials which are given hereunder: (i) The term "retiring officers" for the purpose of this facility will be taken to mean only those officers who retire from the Bank's service after attaining the age of superannu ation (58 or 60 years as the case may be) or completing 30 years' service, in terms of State Bank of Patiala (officers') Service Regulations, 1979. The family of a deceased officer would also be eligible for availing of the facility subject to the conditi ons set out in this circular. (ii) Items of antique value would be strictly outside the purview of this facility. "Antique" would mean any furniture or a carved item or an object of art made from rosewood, teakwood or any other material of value. It is not possible to lay down any specific age or date of manufacture of such items but generally this should cover items which are at least 30 years old and are so connected with the history of the Bank or the place where the office is located that Bank would l ike to preserve them. (iii) The intention behind the scheme is that on retirement an officer should not have to invest large sums on purchase of furniture. As such, only such items and number of furniture may be allowed to be sold which should be sufficient for the needs of a retired person for himself and occasional guests calling on him. The above said list has been prepared on the basis of eligibility of the officers under extant instructions for furniture in different scales and also to meet their needs in post-retirement life. They will, however, be allowed to take only those items for which they were eligible at the time of their retirement and were actually provided in their house. (iv) In the implementation of these guidelines, a situation may arise where an officer on retirement may take away all eligible items as a result of which the next occupant of the house will have to be provided with new furniture as replacement. In case the new occupant is also to retire shortly i.e., before expiry of 5 years (which is the minimum age of furniture for sale), he will be deprived of an opportunity to purchase any useful furniture at the time of his own retirement. To overcome this situation, the new occupant may be supplied with a mix of old and new furniture which will be drawn from Bank godowns or if necessary from other residences.
(v)
Family of deceased officers may also be allowed to purchase furniture at book value or at 25% of the original cost, whichever is higher, provided the furniture has bee n in use for at least 7 years and the family opts to take the entire lot. The guidelines in respect of eligibility of the late officer, items of furniture permissible for sale, authority structure for sanction etc., will mutatis mutandis be the same as th ose applicable to sale of furniture to retiring officers as stated in aforesaid/following paragraphs. (vi) Officers of Associate Banks include our Bank on deputation to our Bank/other Associate Banks under the scheme of cross deputation and retiring from service while remaining on deputation, will be permitted to purchase the furniture under the above scheme from the deputee Bank. (vii) The competent authority to approve the sale of furniture to retiring officers or the family of deceased bank officers wo uld be the Chief General Manager. (viii) An officer on retirement can claim reimbursement of travelling expenses due to shifting to a place of choice within a period of 3 months after retirement. (Cir. No. Per/26 dt. 31.8.94) B. RETIRED OFFICERS The undernoted concessions will be allowed to the retired Bank's employees to meet their personal requirements. (i) Fixed deposits 1% above the current rate of Interest allowed to the public on Fixed Deposit Account. (ii) Savings Accounts 1% above the current rate of interest allowed to the public on Savings Accounts. NOTE Deposits must represent the employee's bonafide savings, the permissible limit upto which deposits would be eligible for higher rates would include bonafide savings upto the limit applicabl e to substantive pay drawn at the time of realisation. Deposits from widows of retired officials representing amounts as mentioned. In addition, payment of higher rate of interest on money deposited by the representing proceeds of LIC policies, P.F. mon ies, unutilised balance in pension funds if applicable, gratuity, etc. which amount also represents accrued savings/or ex-gratia payment made by the Bank if any. (iii) Interest rate on advances Interest on loans granted to the retired officers of the Ban k will be charged at the rate fixed from time to time on different type of advances to the members of staff.
No concession will, however, be granted to the retired staff members in respect of vehicle/gold loans and for such purposes, the terms and condi tions would be the same as applicable to the public. (Cir.No.Per/25 dated 13.2.1985) (iv) Service Charges (a) No service charges will be levied on transactions conducted by our own retired officers. In respect of accounts held by a retired officer family with another person/persons this exemption will also be applicable provided the joint account holder is a close relative. No incidental charges to be levied on current a/c maintained in the name of retired employee/officer or jointly with clo se relative. No standing instructions fee is to be charged. All DDs/Bankers Cheques be issued free of charge. However, actual cost of telegram may be recovered in case of TTs. All cheques/drafts etc. be collected free of charge. Cheques/drafts upto Rs.2500/- be negotiated at par without levy of collection charges regardless of the Bank on which the cheque is drawn. No commission to be charged from retired employees/officers of the Bank.
(b) (c) (d) (e) (f)
(g)
IMPORTANT The above facilities/concessions will be extended to retired employees/officers provided: (a) The person concerned is not gainfully employed. (b) Person should identify himself to the satisfaction of the concerned Branch Manager to the extent that he is retired employee of the Bank . Postage and out-of-pocket expenses in above cases can be waived off by the Branch Manager in case where additional cost (out -of-pocket) is not involved. However, it should be ensured that this facility is provided for only meeting their genuine requirements. (v) Safe deposit articles Safe deposit articles may be accepted free of charge at places where accommodation is available in strong room. Rental for lockers will however, be charged at the rate fixed for the customers of the Bank. (vi) Holiday homes The retired officers can be permitted to stay in Holiday Homes of the Bank with the prior permission from Chief Manager, Industrial Relations Head Office, Patiala. (Cir. No. O&M/4 of 1991-92 dt. 13.5.92) (vii) Scheme for extension of funeral expen ses facility to the heirs of retired employees
It has been approved by the Trustees of State Bank of Patiala Employees' Provident Fund Trust in the General Meeting held on 27th December, 1995, to extend the facility of payment of Funeral Expenses of Rs. 5000/- out of Lapses & Forfeiture Fund to the heirs of retired employees also besides those who die in harness. The remaining conditions of the scheme already in vogue will remain unchanged. (Cir. No. PFG/5 dt. 31.1.1995) (viii) Employment after Retirement: If an officer wishes to accept employment in a private concern at any time within two years from the date of his retirement from the service of the Bank, he should obtain the previous sanction of the Board or Executive Committee, provided that in the case of officers below the Senior Management Grade, such previous sanction could be granted by a Competent Authority to whom such powers have been delegated by the Board or Executive Committee. Note: Employment in a private concern means an employment i n any capacity including that of an Agency under a company, co -operative society, firm or individual engaged in trading, commercial, industrial, financial or professional business and also includes a directorship of such a company and partnership of such a firm but does not include employment under a body corporate wholly or substantially held or controlled by Government. (Cir.No.Per/17 dated 28.5.1996)
Officers who submit their application for voluntary retirement/resignation while on deputation to a subsidiary/joint venture company will not be permitted to join the same company/subsidiary where he/she was working before his/her resignation/voluntary retirement. Officers who are not on deputation with the subsidiary/joint venture company at the time of applying for the post and are selected through open market selection/competition process, will be permitted to take up the assignment with such subsidiary/joint venture company. (Memo No.Per/59 dated 19.12.2003) Payment of Superannuation Benefits to Officers Proceeded Against under Regulation 19(2) of SBOP (Officers) Service Regulation- 1979: In terms of Regulation 19(2) of State Bank of Patiala (Officers) Service Regulations- 1979, service of an officer is deemed to continue for the limited purpose of continuing and concluding the disciplinary proceedings against him after the age of superannuation. An officer on application of Regulation 19(2) is entitled for the following benefits:-
a) Refund of his own contribution to Provident Fund b) The emoluments for the period of accumulated leave in terms of Regulation 38 of State Bank of Patiala (Officers) Service Regulations- 1979, provided there is no liability which warrants recovery from the concerned officer. c) Provisional pension at the discretion of the Trustees of the Pension Fund. All other terminal benefits, such as, the Banks contribution to Provident Fund, Gratuity are payable to him only after conclusion of the disciplinary proceedings. If the disciplinary proceedings against an officer are continued after reaching the age of superannuation in terms of the above said Regulation 19(2), he may be paid, on completion of the said proceedings, interest on the terminal benefits at the rate prevailing at the end of one month after retirement, payable to staff members on term deposit for the period for which the release of his terminal benefits were delayed. This is subject to the condition that the proceedings have not been delayed on account of the officer and a penalty other than dismissal has been imposed. This interest would be payable from one month after retirement to account for the processing time till the date of payment. Interest will be paid by debit to Provident Fund Account/Gratuity Account. Maintenance Cost of Leased Accommodation taken by the Bank from the Retired Staff on Rental for Use of Officers: i) Whenever a flat/bungalow is taken on rent from a member of the staff of the Banks retired staff members, by paying economic rent, without taking into consideration the component of white washing/minor repairs for calculation of economic rent, the Bank may, as a gesture of goodwill, carry out oil bound distemper painting internally and oil painting of doors, windows, grills etc. in case of flats, and in case of bungalows external walls also be distempered every four years. ii) In cases where the Bank is paying ceiling rent, the facilities referred to in part (i) above may be extended to such accommodations also where the lease period exceeds four years. iii) The facility may be extended as under:The Bank will carry out the same type of distempering which the landlord had carried out while leasing the premises to the Bank (this should not include the application of plastic emulsion paint which is very costly). In other words, if the landlord had carried out white washing/water bound distemper, etc. before leasing to the Bank, the Bank should also carry out white washing/water bound distemper, etc. The periodicity of white wash/distemper should not be earlier than 2 years for white wash and 4 years for distempering from the date of previous white washing/distempering. However, if the condition of the flat/bungalow is all right, the distempering may be done on completion of, say, 5 years depending upon the merit of each case.
iv) It should be ensured that whenever a flat/bungalow is taken on rental basis, it is in good/habitable condition and does not require repairs, etc. In ordinary circumstances, maintenance would mean keeping the leased accommodation in the same condition in which it was handed over to the Bank and ordinary upkeep (excluding major repairs unless occurring on account of Banks negligence). (Cir.No.Per/70 dated 14.02.1997) Encashment/Lapse of Privilege Leave: Save as provided below, all leave to the credit of an officer shall lapse on resignation, retirement, death, discharge, dismissal or termination:i) Where an officer retires from the Banks service, he shall be eligible to be paid a sum equivalent to the emoluments of any period, not exceeding 240 days of privilege leave that he has accumulated. ii) Where an officer dies while in service, there shall be payable to his legal representatives, a sum equivalent to the emoluments for the period not exceeding 240 days of privilege leave to his credit as on the date of his death. iii) Where an officer resigns from service on or after 1st April 2001 after giving due notice as in Sub Regulation (2) of Regulation 20 of State Bank of Patiala (Officers) Service Regulations- 1979, may be paid a sum equivalent to the emoluments in respect of privilege leave to the extent of half of such leave to his credit on the date of cessation of service, subject to a maximum of 120 days. (Cir No.Per/28 dated 14.07.2001 and Per/17 dated 24.5.2002) Travelling, Baggage & Other Expenses on retirement: On retirement, an officer will be eligible to claim traveling allowance, baggage and other expenses for himself and his family as on transfer from the last station at which he is posted to the place where he proposes to settle down on retirement. (Cir.Per/33 dated 02.11.2000) Staff Welfare Scheme- SBOP Retired Employees Medical Benefit Scheme: All the officers/employees who retired from the branch/office may enroll themselves by forwarding their membership forms within three months of the receipt of their 1st monthly Pension. (Cir.No.Per/9 dated 09.06.2000)
**********
CHAPTER 15
Scholarship Scheme The Scholarship Scheme was introduced in the bank in the year 1983-84 to provide encouragement to employees children to excel in their studies for better career prospective. The scheme was originally meant for the employee whose children secure required %age of marks in the 10th standard onwards. Subsequently, its coverage has been extended to employees wards from 4th standard onwards on the basis of their performance in the third class. The rates of Scholarship have been revised upward from time to time. The details of the scheme are given as under: Objective: The Scholarship Scheme has been introduced as a part of Banks Staff Welfare activities to encourage the wards of the employees to be more committed to their studies so as to develop their career prospective. Coverage: The scheme covers children of the employees who scores the prescribed minimum %age of marks in the promotional examination from 3rd standard onwards, as per detail given below: Aggregate marks Category of employee Initial sanction Renewal i) Officers & Clerical staff (Other 60% 55% than SC/ST) ii) Officers & Clerical SC/ST 55% 50% iii) Subordinate Staff (Other than 45% 40% SC/ST) iv) Subordinate Staff SC/ST 40% 40% v) Deaf, Dump, Blind and 40% 40% mentally retarded children of all employees (all categories of staff) In the institutions where marks are awarded in terms of Grades and not Percentage, conversion of Grades into Percentage should be ascertained from the concerned Institution. If it conforms to the laid down percentage as mentioned above, application for scholarship will be entertained. (Cir. IRD/SCH/15 Dt. 18.11.1996)
Employees who are not eligible: Sanction of Scholarship and reimbursement of admission/tuition fees will not be considered in the following cases: a) Where wards of the employee have secured the prescribed percentage of marks but have failed in one or more subject, their cases shall be considered fresh and not renewal when they apply in a subsequent academic year. b) Wards who could not secure the stipulated percentage of marks at the regular examination and appear for supplementary exams for improvement and secure the requisite marks in the same year/subsequent year. c) Part time courses/correspondence courses or courses less than one year duration and courses without affiliation to any University/not recognized by Govt. of India are not covered under the scheme. d) As coaching for courses in Chartered Accountancy, Cost Accountancy, Company Secretary and Computer programming is either postal or part time, these courses will also not be covered under the scheme. Quantum of Scholarship: For day Scholars Classes/Courses of study (Rs. per month) For 4th & 5th classes 45/th, 7th and 8th classes For 6 60/th and 10th classes For 9 75/At 10+2 level 90/At Graduate level for ordinary 105/courses B.A., B.com, B. Sc., L.L.B. and other courses where Bachelor degree is awarded At post Graduate level M.A., 150/M.com, M. Sc etc. At Graduate/post graduate level 200/for professional courses in Medical/Engineering/Management studies etc. For Boarders (Rs. per month) 150/150/200/375/375/-
450/525/-
As most of the Diploma/Certificate courses are lower in status than Degree course, Scholarship is applicable to 10+2 level of study @ Rs. 90/- per month for day scholar and Rs. 375/- for boarders. However, if the status of the diploma/certificate course is that of a degree, scholarship at the corresponding higher rates will be admissible.
Note: certificate/diploma courses for duration of less than one year will not be eligible for scholarship. The scholarship is available from next class onwards and for any full time diploma, degree certificate courses recognized by the Govt. scholarship is granted upto post graduation level only and not for doctorate level courses. An additional sum of Rs. 100/- per month will be paid to deaf, dump, blind and mentally retarded children of all employees in addition to the scholarship payable to him/her with a view to compensating partially the additional expenses to be incurred by our employees on schooling of such children on items such as special education aids, transportation, admission to specialized schools etc. Duration and renewal of Scholarship: The scholarship is awarded for one year initially and is renewed annually if the child shows consistently good performance. Therefore, the wards should secure in each subsequent qualifying examination not less than the minimum percentage of marks as specified for renewal purposes. Reimbursement of cost of text books Members of subordinate staff, whose children are studying in 4th class and above but upto 10th class and are in receipt of scholarship under Banks scheme, will also be reimbursed the cost of textbooks up to Rs. 250/- p.a. per child against production of cash memos/receipts. Reimbursement of admission/Tuition fees: Reimbursement of admission/tuition fee is permitted to eligible children of all the employees (irrespective of basic pay) subject to availability of balance in Staff Welfare Fund. C Under this provision, scheme envisages payment of nominal amounts only depending upon the course and the college in which the admission is taken; the monthly reimbursement to each employee should not exceed Rs. 100/- subject to production of receipt. In any case, reimbursement is based on production of receipt and should not exceed Rs. 1200/- annually (maximum two wards).
Boarders: i) Scholarship at boarders rate may be sanctioned to even such students who have not been able to get admission in the hostel of the institution/school/college concerned or in a hostel run by a reputed organization, or they have made their own residential and boarding arrangements because the college/institution concerned does not have hostel facility. ii) The wards who are staying with their relatives, friends etc. will not be eligible for the scholarship at the boarders rate. Further, where the child is studying at the same place where the employee is posted, the scholarship at boarders rate will be payable only if the child stays in a hostel recognized/owned by the school/college/institute or it is run by the reputed bodies under YMCA/YWCA etc. iii) For reimbursement, the production of vouchers/bills etc. has been done away with. A certificate, however, may be obtained from the employees and institutions to the effect that: a) The child is staying in the hostel owned/recognized by the school/college/institute or it is run by the reputed bodies like YMCA/YWMA etc. or where the child has made his own arrangement, the ward is not staying with his relative/friends etc. b) The expenses incurred on boarding and lodging are equal to or exceed the amount of scholarship payable under the schemes. Inability to take examination: If a scholar is unable to appear in the annual examination due to sudden or prolonged illness or any other compelling circumstances, the scholarship will be renewed at the discretion of the Head Office Central Welfare Committee, subject to an acceptable medical certificate having been submitted in this regard and the circumstances compelling absence from examination having been fully explained. This exemption, however, would be available only once in one class and if somebody falls sick again, the scholarship would be discontinued. But it can be sanctioned again for the next class if the ward/scholar secured the required percentage of marks prescribed for renewal cases. Break in studies: The applications submitted by the employees in respect of his/her wards who discontinued studies for a period of two years or so and thereafter resumes the studies will be considered as fresh and not renewal.
Cessation/Retirement/Death of an employee: If a Bank employee dies while in service, the scholarship amounts permissible under the scheme including reimbursement of tuition fees, admission fees etc. shall be payable in respect of his/her children provided the spouse of the deceased employee be not employed in the Bank and subject to the observance of the usual terms & conditions on which scholarships are awarded. The scholarships under this provision can be claimed by spouse of the deceased employee or the guardian appointed by the court, as the case may be, from the branch/office where she/he is getting family pension. The children of such deceased employee will remain eligible for the facility upto the time the deceased employee would have attained the superannuation age 58 or 60 years as the case may be. Where the employer of spouse of the deceased employee pays any amount in the shape of education allowance, scholarship etc. then scholarships granted under our scheme will be reduced to the extent of such amount being paid on account of the child. Where the amount paid by the employer of the spouse is more than the amount of scholarship from the Bank, no amount is payable under our scholarship scheme. (Cir. No. IRD/6 Dt. 24.02.1993) Submission of application: The members of staff eligible for payment of scholarship and or reimbursement of admission /tuition fee should send application on the prescribed proforma along with related documents duly recommended by the Branch Manager/Head of the Department and Local Implementation Committee through Controlling Authority/Disciplinary Authority within six months from the date of admission of the ward. Disciplinary Cases: i) Scholarship may be granted in the prescribed manner to eligible children of all employees, the fact that the concerned employee is under suspension or against him disciplinary action has been initiated for charges involving vigilance angle or otherwise should be ignored for the purpose of grant of such scholarship. ii) On the conclusion of disciplinary proceedings in cases where the penalty imposed results in cessation, termination of service of an employee, the scholarship would cease to be payable from the date of award of such punishment. However, if the scholarship has already been paid, the same would be stopped after the current academic session is over. iii) In the event of cessation of service, including retirement of an employee, scholarship would continue till the end of the current academic year of the employees child.
Other important instructions: i) The scholarship for eligible children of employees is released in advance provided the concerned employees given an undertaking that the child will continue his/her studies for the whole year and if later he/she is withdrawn from the educational institution or does not continue the study, the amount of scholarship so received will be refunded by the employee. However, in case of boarders, payment will be restricted to amount of actual expenses on account of hostel/boarding and tuition fee or the stipulated amount of scholarship, whichever is less. The amount of scholarship will be released in advance for six months. Subsequent payments/amount of scholarship will be released on submission of certificate for the first six months. ii) Scholarship can be sanctioned for full time course in evening classes, leading to a recognized degree, diploma or certificate course provided the scholar is not gainfully employed. iii) The children of permanent part time employees are also eligible for scholarship and reimbursement of admission and tuition fees. iv) No scholarship will be granted for the course in which college/institute/university pays stipend/scholarship e.g. for post graduate courses in Medicine. But if the amount paid by the college/institute/university is less than the scholarship for which a candidate is eligible under the scheme, the difference will be paid as scholarship. (for specimen of Scholarship application form, please refer Annexure-X)
Holiday Homes The Holiday Homes situated at fifteen different places of tourist interest are being maintained by our department out of allocated Staff Welfare Funds. These Holiday Homes were set up to provide lodging facilities to the staff members when ever they intend to visit these stations. The list of Holiday Homes with their addresses and telephone numbers are as follows: SR. NAME OF THE HOLIDAY HOME AND NO. ADDRESS 1. AMRITSAR HOTEL MC INTERNATIONAL, THE MALL, AMRITSAR 2. BANGALORE HOTEL BANGALORE GATE # 9 & 12, GAJANAN TOWERS K. G. ROAD, BANGALORE 3. DARJEELING MAIN OLD BELLEVUE HOTEL 5/1, NEHRU ROAD,CHOWRASTA, THE MALL 4. GHAZIABAD FLAT NO. 903, MALYAGIRI, KAUSHAMBI (TO BE SHIFTED TO NEW DELHI IN HOTEL HOTEL JYOTI DELUXE 4/68, WEA, KAROL BAGH, SARASWATI MARG, NEW DELHI110005) 5. GOA FLAT NO. S-2 & S-3 PARAISO-DE-GOA, NEAR TEEN BLDG., BUS STOP, PORVORIM 6. JAIPUR HOTEL COSTARICA F-301, SHYAM PATH, NEW SANGANER ROAD, SODALA, JAIPUR 7. KANYA KUMARI LAXMI TOURIST HOME, EAST CAR STREET 8. MUMBAI FLAT NO. G-703,704, ASSOCIATE BANKS OFFICERS COLONY, KANTI PARK, SHIMPOLI ROAD, BORIVILLI (W) TELEPHONE/FAX NUMBERS 0183-2222901-07 FAX NO. 0183-2222908 TEL NO. 080-41100777
TEL. NO. 0354-2254178 FAX. NO. 0354-2257046 TEL. NO. 0120-2777302 011-25742938,25820131
TEL. NO. 0832-2901422
TEL. NO. 0141-4015001
TEL NO. 04652-246333,246071 FAX. NO. 04652-246627 TEL NO. 022-28995119
9.
MANALI HOTEL NEW KENILWORTH INTERNATIONAL, OPP. VAN VIHAR, THE MALL, MANALI (H.P.) NAINITAL HOTEL ANKUR PLAZA, NEAR ROPEWAY BOOKING OFFICE HARIDWAR HOTEL ALPANA, LOWER BAZAR, RAM GHAT DALHOUSIE HOTEL SURYA RESORT, BALOON CHURCH ROAD, BATHRI VIEW ESTATE KATRA HOTEL AMBICA, KATRA MUSSOORIE HOTEL BASERA, SPRING ROAD, LIBRARY, MUSSOORIE SHIMLA HOTEL LORDS GREY, CIRCULAR ROAD, SHIMLA
TEL NO. 01902-253062,253238 FAX. NO. 01902-253237
10. 11. 12.
TEL NO. 05942-235448 FAX. NO. 05942-239728 TEL NO. 01334-225544 FAX. NO. 01334-224567 TEL NO. 01899-242158 FAX. NO. 01899-242876 01991-232400, 232062 0135- 2633541 TEL NO. 0177-2655146, FAX 0177-2658058
13. 14. 15.
16.
HOLIDAY HOME-AGRA HOTEL JYOTI CONTINENTAL, A-5

VIBHAV NAGAR, NEAR JAGGI HOSPITAL, OFF FATEHABAD ROAD, AGRA
Tel No. 09358039920
17
HOLIDAY HOME- SHIRDI HOTEL SAI PRATIK, NAGARMANMAD ROAD, SHIRDI
Tel No. 02423-326899 09820869494
Online booking of Holiday Homes To facilitate staff members and to bring transparency/convenience, the booking of all the Holiday Homes has been made online w.e.f. 29.03.2010. The system for booking of Holiday Home is as under: 1. Online booking can be done on the web based application by the staff members. The same is available through sbp/infonet-department pages-IRD and one can log in by using his/her own VVR-ID and password for booking of room. Booking can be done minimum two days prior and for maximum period of 3 days except at Katra where it for two days only. Booking can only be done 30 days prior to the starting date. An employee can book one room at one station. No booking can be done for the same day by an employee at two different Holiday Homes. Advance rent will be taken from the employees account against the booking which will be non refundable. Confirmation slip will be generated only when the amount has been successfully debited from his/her account @ Rs. 10/- per day per room within 2 working days of booking. In case of retired employees, they may send a fax for request of booking to IR Department. The confirmation slip will be sent on successful booking or retired employee can obtain the same from IR department. The cancellation can also be done by the user online. If cancellation is not done prior to three days, Rs. 100/- per day per room shall be charged. In case of non-occupancy or partial occupancy, Rs. 100/- will be charged per day per room. IR Department will print the list of bookings for a particulars holiday home on daily basis and forward to the caretaker of holiday home/Hotel. The employee should carry the confirmation slip along with him/her whenever he/she reached the holiday home. The care taker/hotel manager should compare the slip with list and then allow the person to occupy the room. Status can be checked on the system by clicking on check availability button. In case of any dispute or irregularity, Chief Manager (IRD) will settle the issues. Amount deposited for booking will not be refundable in case of cancellation.
2. 3. 4. 5. 6. 7. 8. 9.
10. 11.
12. 13. 14.
Rules for stay in Holiday Homes 1. 2. 3. 4. 5. 6. 7. Check out time is 12.00 noon. Nobody will stay beyond the period mentioned in the reservation slip. Number of persons staying in a room shall not exceed four (Two adults and two children or three adults). Help maintain proper upkeep of the assets as these are your own. Use of alcoholic drinks and gambling is strictly prohibited in the Holiday Home and any violation will render the employee liable for disciplinary action. The guests should switch off the electric points while leaving the room. Keys of the room be handed over to the care taker/ at reception counter while leaving the room.
For specimen of Holiday Home booking application form (For retired employees only), please refer Annexure-VIII
Medical Schemes out of Welfare Funds 1. Annual Health Checkup Scheme for Spouse of Officers/ Employees
Spouse of those officers/employees, who are of the age of 40 years and above (age of officer/employee is to be considered) are also extended the facility of reimbursement up to Rs. 1000/- for their Annual Health Check up, subject to the following conditions: i) ii) Benefit to the spouse under the scheme shall cease with the cessation of service of the employee. The scheme shall not be open to spouse employed elsewhere and deriving the benefit of medical expenses in any form.
(For specimen of application form, please refer Annexure-I) 2. Reimbursement of difference amount of Self Hospitalization Medical Bills:
Under this scheme the difference of amount spent and amount sanctioned, with a maximum of Rs 20,000/-per employee per annum (for self hospitalization only), is reimbursed out of staff welfare fund (please refer Memo No. IND/GB/2 dated 15.06.2010) . (For specimen of application form, please refer Annexure-II) 3. Reimbursement of 10% (5% in case of subordinate staff) for self Hospitalization, in cases sanctioned by EC:
In case of self hospitalization, sometimes the expenses (which are over and above of one's entitlement) are deducted by the Bank from the total amount claimed by the employee. With a view to compensate the employee suffering from serious ailments, where the amount is sanctioned by the EC and deduction has also been made as per orders of the EC, a reimbursement of 10% (5% in case of subordinate staff) of the amount so deducted is made under this scheme. (For specimen of application form, please refer Annexure-III)
4.
Assistance to those, who remained on extra ordinary leave on loss of pay due to serious ailments/major accidents/ operations:
The officers/ employees, who remained on leave on loss of pay due to major accidents and special operations/ ailments, financial assistance is provided to them by extending monthly help up to 50% of the gross monthly salary or Rs 7500/- p.m. which ever is less, for a maximum period of 18 months. This facility is allowed only once in the entire service. (For specimen of application form, please refer Annexure-IV) 5. Assistance to Staff Members having handicapped children:
Financial Assistance is provided to the officers/employees of the bank, who are having mentally retarded/ physically handicapped children to meet the expenses for their education, training and correctional therapy. Under this scheme, a sum of Rs. 300/- per month for Education, Training and correctional therapy is being reimbursed to the staff members having Mentally Retarded/Physically Handicapped children, which has now increased from Rs. 300/- to Rs. 600/- per month i.e. from Rs. 3600/- per annum to Rs. 7200/- per annum (please refer Memo No. IND/GB/2 dated 15.06.2010). (For specimen of application form, please refer Annexure-V) 6. Reimbursement of difference amount Hospitalization of part time workers: of medical bills in self
As per Bipartite settlement, part time workers are reimbursed medical bills on prorate basis according to their scale of wages. With a view to fully reimburse the eligible amount, reimbursement of medical expenses is made for self treatment under the hospitalization scheme @ 2/3rd, 1/2 & 1/4th of the eligible medical bill amount, to the workers working on 1/3rd, 1/2 & 3/4th of scale wages respectively. (For specimen of application form, please refer Annexure-VI) 7. Reimbursement of difference amount of medical bills in Hospitalization of dependents of employees: respect of
Under this Scheme, reimbursement of balance of 25 % of admissible amount of the medical expenses incurred by the employees/officers of the bank on Hospitalization of their dependents, who got 75% of the hospitalization charges from the Bank, is made out of staff welfare funds. (For specimen of application form, please refer Annexure-VII)
The employee seeking reimbursement under the Medical Schemes No. 2, 3, 6 and 7 has to produce a proof as under: That the Hospital from where treatment has been obtained is maintained by Government or any local authority or any other Hospital approved by the Government for the purposes of Medical treatment of its employees. In case of non submission of above mentioned proof, Medical reimbursement exceeding Rs. 15000/- per annum U/S 17 (2) (v) will be taken as perquisite IMPORTANT INSTRUCTIONS: 1. Applications only on proper Performa (enclosed for all the schemes) duly complete in all respects along with supporting papers, duly recommended by the branch Manager/Head of the Deptt. be sent to IRD at Head Office Patiala, and no column should be left blank, otherwise the claims shall not be entertained. 2. The last date for receipt of claim forms at IRD will be 28th February of every year, and claims received thereafter will not be entertained. 3. PF A/c No and Salary A/c of the claimant must be mentioned invariably in the claim form otherwise it will be liable to be rejected. 4. Telephonic enquiries regarding the medical claims should be, avoided as it results in Wastage of Banks' time and money. 5. No claim should be submitted twice. Submission of double claims may be treated as misconduct. 6. The payment in all the schemes will be made on first come first serve basis. Per employee Allocation of funds for Sports, Cultural, Canteen & Library facility: Every year a certain amount is being allocated for each employee, working on permanent basis, who were on the roll of the bank as on 31st March of last year. The employees, who joined the Bank after 31st March, will not be eligible for the amount for that year. For employees posted at Head Office, a sum of Rs.50/- per employee is earmarked for the library established at Head Office Patiala and Chief Manager Office Admin. Deptt. deducts a sum of Rs 50/- per employee out of the funds earmarked for newspaper, magazines, library etc. with in the total allocation in respect of employees posted at Head Office Patiala, which shall be
kept in the Account maintained by Local Implementation Committee. However, this amount will be treated as over and above the amount allocated to the Local Implementation Committee from Welfare Funds and will be utilized to purchase special books on Banking/Technology for the Library to be recommended by the Committee. The amount so available for conducting Staff Welfare Activities should be debited to charges A/C (Misc.) at respective branch and placed in a separate account to be operated by the Local Implementation Committee and utilized as per requirements from time to time. The expenditure will be authorized to be incurred jointly by the president/secretary and a member of the Local implementation Committee constituted for the purpose at the branch. The allocation must be utilized latest by 28th February of every year. Please ensure that the total expenditure on staff welfare Activities at your branch/ Deptt. does not exceed the allocation limit in any case. The percentage of expenditure to be incurred from per employee allocation under the various heads is given below: 65% on canteen facilities. 20% on Newspaper, Magazines and Library etc. 10% on Sports activities. 5% on cultural activities. A proper record of the expenditure along with the relative bills duly verified by the President/ Secretary of Local Implementation Committee be maintained. Please ensure that the Local Implementation Committee is constituted as per instructions contained in Head office Circular No. IRD/1 dated 01/05/1993. SBI Life Insurance for employees: Bank has taken a group SBI Life Insurance policy covering all permanent employees of the Bank (including permanent part time workers). The Bank is paying premium from Welfare Fund annually. Insurance coverage (as per detail given below) is available to the staff members till he/she attains the age of superannuation. Category of staff Supervising staff Clerical Staff Subordinate Staff Permanent part time Rs. Rs. Rs. Rs. Sum assured 12.50 Lacs 10.00 Lacs 09.00 Lacs 06.50 Lacs In case of death due to accident Rs. 25.00 Lacs Rs. 20.00 Lacs Rs. 18.00 Lacs Rs. 13.00 Lacs
(For specimen of SBI Life death claim form, please refer Annexure IX)
Subsidized canteen Facility With a view to improve on the job efficiency and to provide relief during work, subsidized canteen facility has been introduced in the bank. The amount of subsidy is provided according to the staff strength of each branch/office, which is as under: Staff strength Upto 20 21 to 50 51 to 75 76 to 100 101 to 125 126 to 150 151 to 200 201 to 225 226 to 250 251 to 275 276 to 300 301 to 325 326 to 350 351 to 375 376 to 400 Existing Subsidy (Rs. per month) 500/700/1050/1400/1750/2100/2800/3150/3500/3850/4200/4550/4900/5250/5600/Revised Rates (Rs. per month) 1000/1200/1700/2300/2870/3440/4590/5160/5740/6310/6880/7460/8030/8610/9180/-
It is reiterated that the above amount is payable to the Local Implementation Committee, only when a full fledged canteen, where tea/coffee/snacks are prepared and served to members of staff, is run by the Local Implementation Committee.
STATE BANK OF PATIALA BRANCH/ DEPTT.
Annexure-I
APPLICATION FOR CLAIMING REIMBURSEMENT OF ANNUAL HEALTH CHECK-UP EXPENSES FOR SPOUSES OUT OF WELFARE FUND FOR EMPLOYEES OF AGE OF 40 YEARS AND ABOVE (AGE OF EMPLOYEE IS TO BE CONSIDERED)
The Chief Manager, Industrial Relations Department, State Bank of Patiala, Head office, The Mall, Patiala. Dear Sir, 1. 2. 3. 4. 5.
Name & Designation of the Employee P. F. No. SALARY A/C No. Name of the Branch/office/Deptt. Name of the spouse Status of employment of spouse Employed or unemployed If employed, whether deriving the benefit of medical in any form
: : :
6. 7. 8. 9.
Date of birth of employee/officer Details of medical tests conducted
: : :
Particulars of bills for which reimbursement has been claimed i. Name of Hospital from where Health Check has been got done. ii. Whether authorized on the panel of Bank or not : : Signature of the employee
10.
Mode of payment
Certified that the particulars given in my application are correct. The bill in original is enclosed. Recommended to Chief Manager, Industrial Relations Department for favour of sanction. Dated: IMPORTANT INSTRUCTIONS i) ii) iii) iv) Benefit to the spouse under the scheme shall cease with the cessation of service of the employee. The scheme shall not be open to spouses employed elsewhere and deriving the benefit of medical expenses in any form. Reimbursement should be confined only to Annual Health Check-upfrom the authorized Hospitals on the panel of the Bank and should not be utilized for treatment of regular ailments/diseases. To the extent feasible payment will be made directly to the Hospitals concerned. Branch Manager/Head of the Deptt.
Annexure-II APPLICATION FOR CLAIMING REIMBURSEMENT OF MEDICAL EXPENSES FOR SELF HOSPITALIZATION OVER & ABOVE THE ENTITLEMENT FROM WELFARE FUND FOR CASES SANCTIONED BETWEEN 01/01/ to 31/12/ The Chief Manager, Industrial Relations Department, State bank of Patiala, Head office, The Mall, Patiala. 1. 2. 3. 4. 5. 6. 7. 8. 9. 9. 10. Name & Designation of the employee P.F. No. SALARY A/C No. Name & code No. of the Branch Whether reimbursement is claimed for self : Period of Hospitalization. Gross amount of medical aid claimed Amount sanctioned Amount deducted Date of sanction during the year (details thereof) Whether the Hospital from where treatment has been obtained is maintained by Government or any local authority or any other Hospital approved by the Government for the purpose of Medical treatment of its employees (This column is mandatory to be filled in) : Yes/No Signature of the employee Certified that the particulars given above are correct. The photocopies of the sanction and application of medical bill submitted by the officer/employee enclosed. Date: Branch Manager/Head of Deptt. Name Code No. : : : : : : : : :
Reimbursement already claimed under this scheme
Annexure-III
APPLICATION FOR CLAIMING REIMBURSEMENT OF BALANCE AMOUNT OF 10% (5% IN CASE OF SUBORDINATE STAFF) OF HOSPITALIZATION EXPENSES IN CASES SANCTIONED BY EC OVER & ABOVE THE ENTITLEMENT FROM WELFARE FUND FOR CASES SANCTIONED BETWEEN THE PERIOD 01/01/ to 31/12/
The Chief Manager, Industrial Relations Department, State bank of Patiala, Head office, The Mall, Patiala. Dear Sir, 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. Name & Designation of the employee P. F. No. SALARY A/C No. Whether reimbursement is claimed for self Claimed. Period of Hospitalization Gross amount of medical aid claimed Amount eligible for reimbursement Amount sanctioned over & above the entitlement (enclosed attested copy of original sanction.) Amount deducted, if any Comments, if any Date of sanction Whether the Hospital from where : : : : : : : : : Nature of disease for which reimbursement has been : :
treatment has been obtained is maintained by Government or any local authority or any other Hospital approved by the Government for the purpose of Medical treatment of its employees (This column is mandatory to be filled in) : Yes/No Signature of the employee Certified that the particulars given above are correct. The photocopy of the medical bills/vouchers passed by the competent authority are enclosed. Date: Branch Manager/Head of Deptt. Name Code No.
STATE BANK OF PATIALA BRANCH/DEPTT. The Chief Manager, Industrial Relations Department, State bank of Patiala Head office, The Mall, Patiala. Dear Sir,
Annexure-IV
NOTE : UNDER THIS SCHEME EMPLOYEES CAN AVAIL THIS FACILITY ONLY ONCE DURING THE ENTIRE SERVICE
Application for financial assistance on account of leave on loss of pay for the cases sanctioned between 01/01/ to 31/12/ . I remained on leave on loss of pay (on account of non- availability of any leave of any kind to my credit) due to my treatment consequent upon the major /special operation/accident as per details given below:1. Name & Designation of the employee : 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. P.F. No. SALARY A/C No. Name & code of the Branch/office Date of joining the Bank No. & Date of sanction vide which leave On loss of pay was sanctioned (copy enclosed) Details about the major /special operation/ Accident & treatment Period of loss of pay Balance of P. Leave/Sick Leave Amount of financial assistance claimed Amount of financial assistance claimed previously Under the scheme, if any Recommendation of the attending Doctor (enclose photocopy) permissible amount of financial aid. Yours faithfully, Date: Signature of the employee : : : : : : : : : :
I hereby declare that the above information is true and correct. Please disburse me the
Certified that the particulars given above are correct and no leave of any kind is due to the employee. Branch Manager/Head of Deptt. Name Code No.
Annexure-V APPLICATION FORM FOR FINANACIAL ASSISTANCE FOR PHYSICALLY/MENTALLY HANDICAPPED CHILDREN OF STAFF MEMBERS FOR THE PERIOD FROM 01/01/ to 31/12/ The Chief Manager, Industrial Relations Department, State bank of Patiala, Head office, The Mall, Patiala. Dear Sir, I request you to sanction me financial aid/scholarship of Rs. -------- (Rupees---------------------) under the scheme, for my physically/mentally handicapped child. I furnish the necessary particulars hereunder: 1. 2. 3. 4. 5. 6. 7. 8. Name of the employee. P.F. No. : SALARY A/C No. Designation & Branch/Office. Code/Name Name of the child : Nature of handicapped (as certified in Medical Report) Name & Address of the institution, Where the child is receiving training, Education & correctional therapy etc. Period of academic session. : Details of expenses incurred by the : Parent/employee for their children having serious retard ness, total blindness, dumbness, deafness towards their education, training, correctional therapy at the special schools/colleges/institutes covering their fees & other correctional therapy expenses incurred. Period for which claim has been lodged : : : :
9.
Certified that I have not already claimed the amount mentioned above under Banks scheme for grant of scholarship to the employees. Yours faithfully, Date: Place: Signature of the employee Branch/Department Code No. Certified that Mr/Ms/Mrs-------------------------is a permanent employee of the Bank and the particulars given above are correct. Branch Manager/ Head of Deptt. Enclosed the following documents: i. Admission Certificate from the concerned Institute/school/college where the child has taken admission. ii. Nature/Degree of the Physical handicap ness of the child & certificate. iii. Attested copies of receipts.
Annexure-VI STATE BANK OF PATIALA BRANCH/ DEPTT.

APPLICATION FOR CLAIMING REIMBURSEMENT OF HOSPITALIZATION CHARGES BY PART TIME WORKERS FOR TREATMENT OF SELF ONLY (2/3RD,1/2 & 1/4TH EXPENSES OF ELIGIBLE MEDICAL BILL AMOUNT TO PART TIME WORKERS WORKING ON 1/3 RD 1/2 & 3/4 SCALE WAGES RESPECTIVELY) FOR THE SANCTIONED BETWEEN 01/01/ to 31/12/
The Chief Manager, Industrial Relations Department, State Bank of Patiala, Head office, The Mall, Patiala. Dear Sir, 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Name & Designation of the employee (Please specify whether 1/3, 1/2 or ) P.F. No. SALARY A/C No. Name of the Branch/Office/Deptt. has been claimed Period of Hospitalization Gross amount of medical aid claimed Amount of medical bill sanctioned (attach attested copy of sanction) Amount eligible for reimbursement Date of sanction Comments, if any : : : : : : : Nature of disease for which reimbursement : : :
11. Whether the Hospital from where treatment has been obtained is maintained by Government or any local authority or any other Hospital approved by the Government for the purpose of Medical treatment of its employees (This column is mandatory to be filled in) :
Yes/No Signature of the employee
Certified that the particulars given are correct. The photocopy of the medical bills/vouchers passed by the competent authority are enclosed. Date: Branch Manager/Head of Deptt. Name Code No
Annexure-VII APPLICATION FORM FOR CLAIMING REIMBURSEMENT OF DIFFERENCE AMOUNT OF 25% OF MEDICAL EXPENSES INCURRED BY THE OFFICERS/EMPLOYEES ON HOSPITALIZATION OF THEIR DEPENDENTS FROM STAFF WELFARE FUND OF THE CASES SANCTIONED BETWEEN 01/01/ to 31/12/ The Chief Manager, Industrial Relations Department, State Bank of Patiala, Head office, The Mall, Patiala. Dear Sir, 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. Name/ Designation of the employee. P.F. No. SB/ CA No. Branch/Office Code Name & relationship of the dependent For whom reimbursement has been sought : Name of the disease for which reimbursement Has been sought Period of hospitalization Gross amount of medical aid claimed Amount sanctioned (enclose attested copy of Original sanction) Date of sanction Comments, if any Whether the Hospital from where : : : : : : : : :
treatment has been obtained is maintained by Government or any local authority or any other Hospital approved by the Government for the purpose of Medical treatment of its employees (This column is mandatory to be filled in) : Yes/No Note: - No reimbursement will be allowed in case of Domiciliary Treatment. Signature of the employee Branch/Department Code No. Certified that the particulars given above are correct. The photocopies of the medical bill/vouchers passed by the competent authority are enclosed. Date: Place: Branch Manager/Head of Deptt.
(Annexure VIII)
The Chief Manager State Bank of Patiala Industrial Relations Department Head Office, Patiala Dear Sir, Booking of Holiday Home I want to stay at banks Holiday Home situated at_________________________ Date you will occupy the room after 12.00 noon Date you will vacate the room before 12.00 noon Number of days Place__________ Please note that only employees and their dependents are eligible to stay in banks Holiday Home
Therefore, I request you to book one/two suits for use by the following members of my family:Sr. No. Name Relationship Age 1. 2. 3 4. 5. 6. I undertake that the persons mentioned above only will stay at the Holiday Home. Further, I undertake that I or the person staying with me will not drink or gamble at the Holiday Home and shall abide by the rules. Any violation will render me liable for Disciplinary Action against me. If I do not occupy the room, the amount of penalty may be debited to my A/c No.____________________ at branch_____________________. Yours faithfully, (______________) Name_____________________________ Designation________________________ Name of branch/office________________ Endst. No.__________________________ Dated______________________________ I have verified the contents of the application and recommend that accommodation be reserved for the above named employee as requested by him. Branch Manager/Head of Deptt.
Through Industrial Relations Department State Bank of Patiala ___________Branch To, Managing Director, SBI Life Insurance Co. Ltd. 2nd Floor, Turner Morrison Building, G.M. Vaidya Marg, Fort, Mumbai. Dear Sir, Claim Form for Death Benefit
(Annexure IX)
We write to convey that the under mentioned employee of our bank was a member covered under the group insurance cover and has expired due to: a) An Accident b) other causes (tick relevant box)
We submit the following details to enable SBI Life to proceed the claim and make payment. A. 1. 2. 3. 4. 5. 6. 7. 8. Details of the deceased employee (Please write in capital letter) Name of the employee: Sh. /Smt. Designation: Date of Birth: DD Employees P.F. No. Date of death: DD MM YYY Place and time of death: ________hh a.m. p.m. Immediate cause of death:__________________________________________________ A) if death was due to illness or other cause, state i) ii) iii) B) i) ii) iii) Nature of illness/cause:______________________________________________ Duration of illness/cause:_____________________________________________ Name of the Doctor and Hospital: ______________________________________ (with address and telephone) who provided treatment If death due to accident, state Date and time of accident: ________hh a.m. p.m. Nature of accident;_______________________________________________ Name of the doctor and Hospital: ______________________________________ (with address and telephone) who provided treatment MM YYY
B)
Please tick the relevant box
1. In case of death due to any cause We verify that the above mentioned employee has expired due to ________________________ Proof of his death and supporting documents as under, are enclosed@ i) A copy of death certificate issued by the local authority. ii) A copy of the attending doctors Certificate. 1. In case of death due to an accident We certify that the above mentioned employee has expired due to an accident and the death was caused solely and directly due to injury sustained in the accident and independent of all other causes. Proof of the accident and the supporting documents as under, are enclosed.* i) A copy of the Death Certificate issued by local authority. ii) A copy of FIR filed with the Police. iii) A copy of Police Panchnama. iv) A copy of the Post-mortem report. v) Attending Doctors Certificate. We certify that the information and annexure furnished are true and correct in every respect to the best of our knowledge and belief. We understand and agree to indemnify SBI Life Insurance Company Ltd., for any claim on the basis of any untrue/incorrect information provided or if any material information was withheld by us. Place: Dated: Authorized Signatory
State Bank of Patiala @ This statement is required if death claim is due to any cause. * This statement is required if death is due to an accident. Guidelines for filling up the form 1. Please ensure that the form is duly filled in all respects, no relevant information is withheld and all the related documents are enclosed. 2. Please attach original documents wherever possible, in case the original forms cannot be presented, enclose copies duly attested by a Notary Public or by the Manager of the Bank. 3. Please note that a claim due to an accident will be considered, if as a consequence of an accident and independent of any other means, the insured employee suffered bodily injuries and such injury or injuries resulted in the death of the member, within 120 days of occurrence of the accident. 4. In all communications to this office, please give the name of the member and the member code number for which the claim has been lodged. 5. For any further information or the status of the claim, please call our toll free number 1600 11 90 90. For office use only Claim No.: _____________________________________ Date of receipt: _________________________________ Claim settlement date: DD MM YYY Amount settled Rs.: ______________________________ SBI Life Insurance Company Limited, 2nd floor, Turner Morrison Building, G.N. Vaidya Marg, Fort, Mumbai- 400 023 Ph: 022-56392000 Fax: 56392025
(Annexure X)
Officer/Clerical/Sub Staff (To be submitted through controller) kayaa-laya p`yaaoga hotU maUla $p maoM AaOVaoigak sambanQa sToT baOMk Aaf piTyaalaa p`Qaana kayaa-laya piTyaalaa kao AgaòiYat tqaa inamaànausaar Ca~vaRit iSaxaNa p`vaoSa Saulk ko Baugatana hotU isafairSa kI jaatI hO. 1 Ca~ ka naama:____________________kxaa:________AMk:______% ii) iktabaoM : ii) p`vaoSa Saulk: iii) iSaxaNa Saulk: @ $:___________pìt maasa _______sao_________tk iv) Ca~vaRit : @ $:___________pìt maasa _______sao_________tk kula yaaoga : idnaaMk ____________ * Subject to the production of relevant
klyaaNakarI saimait & specific/fee, Boarding-lodging charges
$:___________ $:___________ $:___________ $:___________
$:___________ saicava
s baOM p sTaf
sToT baOMk
Aaf piTyaalaa
receipts, etc. respectively
Application for Award of Scholarship Reimbursement of Admission/Tuition fee

The Secretary, S.B.O.P. Staff Welfare Committee, C/O Industrial Relations Department, State Bank of Patiala, Head Office, Patiala * Application for (please tick ()
Staff Welfare SchemeAward of Scholarship for the Year 20.
a) New Scholarship b) Renewal (Date of last claim credited on .) Semester etc.for Rs.. Wards SB A/c No.. Provident Fund A/c No.
I hereby apply for reimbursement of admission and tuition fee and/or scholarship under the captioned scheme in respect of my son/daughter for the academic session commencing from.to. I have read the rules and regulations framed under the scheme and undertake to abide by the same. I give below the relevant particulars: 1. 2. 3. 4. 5. Full name of the employee: Designation/Grade: Department/Branch: Present Basic pay: Rs If SC/ST (Please enclose the certificate & sign the declaration under column no. 16 (f) 6. Full name of son/daughter: 7. Last examination passed by the scholar:.. a) Examination and month/year of passing : (Duration fromto. b) Percentage of marks obtained (photocopy of detailed marks certificate duly signed/verified by the employee should be enclosed) c) Whether ward has got reappear in this examination: 8. Course/Class for which admission has now : been taken. Whether examinations are held on yearly basis (in case of professional courses). (Duration from.to. Also mention month/year of the start of the course. *9. SB A/c No. must be viable and active. *10. Fill-up the application properly and specifically to avoid inconvenience. *10(a) Tick the number whether application is first or second of the above ward during the financial year. 11. Name of the School/Institute, where he/she is prosecuting his/her studies (In case of professional course, certificate regarding college/institutes affiliation /Govt. recognition should also be enclosed)
12. 13. 14.
15. 16.
a) If his/her spouse is in service of the bank? State his/her place of posting and Scale. b) Basic pay: If his/her spouse is in service of any other organization. Has he/she claimed scholarship from his/her employer? Whether student-child is receiving stipend/salary /scholarship from the concerned school/college/ University or any other source. If yes, state the amount of stipend/salary per month and enclose certificate. Whether student/child is a day scholar/boarder
Rs. ..
For day scholar a) Cost of text books (max. Rs. 250/- per annum for Rs Subordinate staff only (Cir. No. IRD/1 dated 09-08-96 (Upto Xth class only) b) Admission fee paid (exclusive of all funds) as per enclosed original receipt, if applicable Rs c) Tuition fee per month Rs d) Scholarship per annum Rs e) Total a+b+c+d Rs
day scholar/Boarder
16. Applicable for boarder students only Certified that my son/daughteris a student Of..(class) and is a boarder student of .. (name of School/college) it is further certified that the ward is staying in the hostel run by the school/college or is run by other institution/the ward has made own arrangement because the college/ institution concerned does not have hostel facility. However, it is confirmed that the wards is not staying with his/her relatives/friends. (Attach necessary certificates from the college/institution). The expenses incurred on boarding and lodging are more than Rs.p.m. (entitlement amount). I, therefore, request that the scholarship @ Rs.p.m. for the period..toamount to Rs..be disbursed. (Refer Circular No. IRD/4 dated 17-08-1991 and Circular No. IRD/1 dated 25-04-1992 Signature of the employee
Certificate from the institution where admission is taken Mr/Miss.Son/Daughter of. has taken admission in. class as a day scholar/boarder student for the academic sessionwhich started in.and will end in.(Give month). Signature of the Institutional Authority 17. a) b) c) d) e) f) g) I hereby certify as under: That the particulars given herein above are correct to the best of my knowledge and belief and nothing has been concealed by me which would prejudice or affect my right to claim scholarship and reimbursement of admission and tuition fee. That due to any reason if my child ceases to continue his/her studies I would refund the proportionate amount received by me on account of scholarship. That my son/daughter is not in receipt of stipend/scholarship/salary from the concerned school/college/university or any other source. My spouse is employed in the Bank and his/her basic pay as on 1st April is less than Rsand I am entitled to reimbursement of admission/tuition fee. That my spouse is employed and is not in receipt of any scholarship or any other benefit in connection with studies of my children. This is to certify that I belong to..Caste/Tribe which is recognized as Scheduled Caste/Scheduled Tribe. Copy of caste certificate is enclosed. Certified that I have not claimed scholarship for more than 2 children for the current academic session. Signature.. Name.. Designation P. F. No.
Branch. Date.
The particulars given herein have been verified and found correct. The scholarship applied for is admissible under the scheme and is recommended for sanction.
Branch Manager/Head of Deptt. State Bank of Patiala ..Branch Date..
* Please read the application thoroughly and no column should be left blank, Duly checked/verified before submitting
Quantum of Scholarship (Refer Circular Nos. Per/40 dated 28-03-1985, IRD/2 dated 27-04-1992 and IRD/3 dated 08-07-1992 Classes/Courses For day scholars *For boarders Of study Rs. per month Rs. per month For 4th and 5th classes 45/150/For 6th, 7th and 8th Classes 60/150/th and 10th Classes For 9 75/200/At intermediate level/Certificate or Diploma Courses generally lower in status than a degree course. 90/375/B.A., B. Com., B. Sc., LLB and other courses where Bachelor degree is awarded 105/375/At Post Graduate level M.A., M. Com., M. Sc., etc. 150/450/At Graduate/Post Graduate level for professional Courses in Medicine/Engineering, Management studies etc. 200/525/Note: i) Scholarship rates applicable for Graduation level courses may be granted @ Rs. 105/- p.m. for day scholars and Rs. 375/- p.m. for boarders to the children of employees attending diploma/certificate course recognized by Government, minimum qualification for admission whereto is graduate. * ii) In case of boarders, payment will be restricted to amount of actual expenses on account of hostel, boarding and tuition fee or the stipulated amount of scholarship whichever is less. Refer Memo No. IRD/1 dated 07-04-1995 Aggregate Marks And Circular No. IRD/SCH/5 dated 18-11-1996 Initial sanction Renewal i) Officers & Clerical staff (other than SC/ST) 60% 55% ii) Officers & Clerical staff (SC/ST) 55% 50% iii) Subordinate staff (other than SC/ST) 45% 40% iv) Subordinate staff (SC/ST) 40% 40% v) Deaf, dumb, blind and mentally retarded children of all employees (all categories of staff) 40% 40% Important Instructions * i) Scholarship must be applied within 6 months from the date of admission * ii) All the documents must be verified by the claimant and countersigned by Branch Manager/Head of Deptt. iii) Part time courses/correspondence courses or courses less than one year duration and courses without affiliation to any University/Non-recognized by Govt of India are not covered under scholarship scheme. iv) Wards of deceased employees (who die in service) are also eligible (Refer Circular No. IRD/6 dated 24-02-1993. v) Wards of employees who have secured the prescribed % of marks but have failed in one or more subjects are not eligible for scholarship.
Documents to be enclosed: i) Subject wise detail marks certificate of last year examination passed. ii) Certificate from the school/college/institution where admission is taken as per specimen given below. SC/ST certificate, if applicable. * iii) Tuition/admission fee receipts, for current academic session, if applicable. iv) In case of boarders, certificate from the school/college/institution that ward is staying in hostel. If private arrangement is made, a certificate from the college/institution that concerned college/institution does not have hostel facility.
C. GUEST/TRANSIT HOUSES
CHANDIGARH 125, Sector 9-A Ph.0172-2741507 SHIMLA The Mall (Ridge) Ph.0177-2654559 BATHINDA 640, Model Town Ph.0164-2211759 JALANDHAR 50, Cheema House Phase-II, Urban Estate Ph.0181-2270145 MUMBAI i) Samunder Gaurav, 6-A Flat No. 301, Worli Sea Face Ph.022-24954654 ii) 301, Mahesh Apptts., 5 t h Road, Khar West Ph.022-26494729 NEW DELHI A-13, Kailash Colony (1st Floor) Ph.011-26485707 And 011-26445834 PATIALA 13, Nihal Bagh (Baradari Garden) Ph.0175-2215002
B.
SCHEME FOR GRANT OF SILVER JUBILEE AWARDS TO EMPLOYEES It has been decided to implement the new scheme for grant of Silver Jubilee Award/other milestone awards to the employees whose salient features are as under : (a) Eligibility (i) The honour should be bestowed on an employee on completion of 25 years of unblemished service, which would mean service rendered without any punishment other than censure or warning during the entire service of 25 years. (ii)
The leave record of the employees should be non-assailable, in the sense that all leave availed of by him should be duly sanctioned by the concerned authorities. (b) Terms (i) The award may be in the form of an article like wrist watch, silver salver or any other article of the employee' s choice. (ii) The cost of the award should not exceed Rs.2000/ -. (iii) The Award should be given uniformly irrespective of the status of the recipient i.e. whether he is an officer, clerk or subordinate staff. (c) Presentation The presentation of the award may be made by the Branch Manager or Head of the Deptt., if the employee is attached to a controlling office like Head Office, Zonal Office, Regional Office, etc. A simple function may be arranged for the purpose in which the other employees may pa rticipate and light refreshments be served. An expenditure of Rs.15/ - per employee may be incurred on light refreshments on such occasions. (d) Sanction of Award The competent authority to sanction the Awards under the scheme is as under: For staff posted at branches Concerned Controlling Authorities (Regional Manager/Asstt. General Manager/Dy. General Manager) For Staff posted at Regional/ Zonal Offices For Supervising Staff posted at Head Office Concerned Zonal Manager/DGM Concerned General Manager
The above scheme is also applicable to employees who have already completed 25 years of unblemished service and are continuing in service of the Bank. Further, the practice of giving suitable letter of appreciation to the employees at the time of retirement will continue. Cir. No.'s Per/56 dt. 11.9.91 & Per/13 dt. 14.5.96 Per/46 dt. 12.3.2003
(e)
Retirement after 15-20 years of service As per extant instructions, all such employees who retire from bank in normal course and without blemish after a reasonable long service say 15 -20 years, may be covered under the old scheme i.e. they may be given a gift as per their eligibility as under:JMGS- I & MMGS SMGS IV & V TEGS- VI & VII Rs.1150/Rs.2000/Rs.4000/-
This will not cover those employees who are retiring earlier voluntarily. Cir. No. Per/4 Dt. 24.4.92 & Per/24 Dt. 7.10.95
CHAPTER 16 IMPORTANT STAFF LOAN SCHEMES A. HOUSING LOANS

STAFF SUPERVISING: MODIFICATIONS INDIVIDUAL HOUSING LOAN SCHEME-
In view of the decisions arrived at in the Bipartite Meeting held with Associate Banks Officers Association at Hyderabad on 05.03.2011, the Executive Committee of Banks Board at its meeting held on 25.03.2011 has approved the revision in the existing Individual Housing Loan Scheme as under: Limit (Max) : 90% of cost of project or Rs.20.00 lacs whichever is lower. Rate of intt : 6% p.a. (simple) Margin : 10% of project cost Repayment : 240 months or date of retirement, whichever is earlier commencing 24 months from date of disbursement of first installment or 6 months after completion of project whichever is earlier. In case of ready built house/ flat/tenement recovery will commence from the month following the month in which the advance is taken. (Instalments in the ratio of P:I=7:3) Primary Security: Equitable Mortgage of house. Collateral : Lien on PF will be noted. The above revision will be effective from 01.04.2011. The Other terms & conditions are as detailed in the AnnexureII. The earlier instructions, spread over various circulars/memos stand modified to the extent as provided in Annexure-II.
ANNEXURE-II Other salient features and terms & conditions governing Individual Housing Loan Scheme (IHLS) tor Supervising Staff a.) Additional Housing Loan under the Individual Housing Loan (IHL) scheme for staff presently available after 7 years for purchasing a bigger house or for repair, renovation or alterations in existing house, will now be available after 5 years @ 6 % p.a. (simple) as against present tiered rates.The process of sale of old house and purchase of new/bigger house has to be completed within 9 months. It has been decided to authorize the GM to condone delay up to 24 months and the CGM delay beyond 24 months but up to a maximum of 36 months on merits of each case. In exceptionally genuine cases the Managing Director may condone delay up to a maximum of 60 months. b.) As at present, the employees will continue to be eligible for additional Housing Loan on commercial rate to meet their additional requirements, in case the amount permissible under IHLS is not sufficient to complete the project. Employees who are not eligible under Individual Housing Loan Scheme for any reason, can also raise home loan on commercial terms as applicable to public housing loan scheme. The other operational guidelines are as under (I) The rationalization in interest rates will be effective to all new loans under IHLS sanctioned on or after 01.04.2011 and to the existing loans under Individual Housing Loan Scheme for employees with effect from 01.04.2011. Repayment for the new loans under IHLS will be fixed in the ratio of P:I =7:3 (168 monthly installments for principal and 72 monthly instalments for the interest). Necessary changes on this account may be made in the loan documentation. However, in case of existing loans, the original repayment schedule (i.e.180 instalments for principal and 60 instalments for the interest) will continue.
It has also been decided to make following amendments/improvements in the existing Individual Housing Loan Scheme to give benefit of revision in the scheme to the existing employees:A. (i) EMPLOYEES HAVING ACQUIRED ONE HOUSE AFTER BORROWING UNDER IHLS WITH A PART OF LOAN ON COMMERCIAL RATES OR FULL LOAN ON COMMERCIAL RATES (ii) EMPLOYEES HAVING ACQUIRED A NEW/BIGGER HOUSE AFTER SELLING THE OLD HOUSE BY RAISING ADDITIONAL HL UNDER IHLS AND/OR BY RAISING COMMERCIAL LOAN PARTLY/FULLY: The employees who were sanctioned or who had availed of the housing
loans/additional housing loan under IHLS, in the past, without any cut off date will be permitted enhancement in housing loan up to their entitlement under IHLS i.e. maximum of Rs.20 lacs, either to complete the housing project where it has not been completed or where completed, to repay high cost outstanding debts already raised by them from approved outside sources or housing loan on commercial rates from the Bank/other Banks/Financial Institutions provided the following stipulations are complied with: (i) Initial project cost as submitted at the time of sanction of loan remains unchanged, unless the employee proposes to undertake additional construction as per the sanctioned plan from the competent authority and submits revised estimates duly certified by the Architect.
(ii)
The loans from outside sources (verifiable institutional sources) should have been raised by the employee at the time of construction/purchase of house/flat to meet the part cost of the housing project as initially advised to the Bank in the housing loan application for sanction of the original housing loan or additional housing of a loan for additional house/flat construction after disposing or of purchase/construction new/bigger
old/existing house/flat. In case the house/flat is owned jointly by the employee and the spouse, and the employee raised a loan on commercial rate in the name of the spouse because of the earlier ceiling on commercial housing loan at 60% of loan under IHLS and such loan to spouse is shown in housing loan application of the employee as a source to meet cost of the project, the employee will be entitled to repay outstanding balance under such borrowing out of his revised entitlement.
(iii)
The outside loans should have been raised for housing purpose from approved and verifiable institutional sources like LIC , HDFC, Staff Cooperative Societies, scheduled commercial banks etc. and any other Bank's Govt./Semi-Govt. housing finance institution and/or
housing loan at commercial rate of interest and should have been indicated as such in the housing loan application submitted to the Bank. Loans raised from non-approved or non-verifiable sources like friends/relatives and other private sources etc., however, will not qualify for this facility. Also any loan availed of from approved sources not advised in the original loan application loan will not qualify for the facility. (iv) The eligibility/quantum of loan will be determined subject to repayment capacity of the employee. The aggregate monthly deductions including installments towards repayment of all existing/proposed loan, should not exceed 60% of the gross monthly emoluments/income. (v) The eligible amount towards liquidating/reducing the loans raised by the employee should be directly released to the financial institution/bank/staff co-operative society etc. (vi) The entire loan outstanding including the enhanced loan amount with interest, should be repaid within a period of maximum 240 months from the date of commencement of original repayment of housing loan or before the employee reaches the age of 60 years whichever is earlier by suitably modifying the monthly installments. (vii) The amount of enhanced housing loan will be to the extent of the outstanding amount of the eligible outside/commercial borrowing availed for housing purpose, subject to the ceiling of the revised limit. The total quantum of loan already availed of and the additional loan to be sanctioned to repay the outstanding outside debt should not exceed the ceiling. (viii) Conversion of Personal loan (Overdraft account) : Conversion of or raised subsequent to completion of construction/purchase of the house/flat with the Bank's
outstanding in the Personal Loan raised by way of overdraft up to the shortfall mentioned in the housing loan application may be permitted to be converted into individual housing loan account subject to the following conditions:
a) The amount should have been withdrawn / disbursed during the period of construction / purchase of housing project. b) The maximum permissible limit for such conversion (within the overall eligibility) will be limited to the shortfall mentioned in the housing loan application or the minimum debit balance in the overdraft account (personal loan) from the date of completion of project till the date of conversion whichever is lower. (ix) All the other terms and conditions for sanction of the housing loan/additional housing loan under IHLS should be complied with meticulously, except for the relaxations provided hereunder. Employees who were otherwise eligible for housing loan under IHLS to acquire a house/flat or additional housing loan under IHLS for purchase of a new/bigger house by selling the old house, but acquired the house/flat by raising the commercial housing loan from the Bank or from other bank/ institution instead of raising housing loan or additional loan under IHLS, shall also be eligible to avail loan under revised IHLS up to their entitlement to repay such commercial loans on the above terms and conditions. In case of additional housing loan for purchase of new house, the maximum amount of additional loan permissible under revised IHLS will be either (i) the difference between the present maximum loan entitlement of the employee and amount of original housing loan sanctioned initially including additional loan, if any, granted before the completion of the project/subsequently for renovation/repairs/ alteration; OR (ii) excess of purchase price over the sale price, whichever is lower. The employee will have to produce to the satisfaction of the sanctioning authority documentary evidence like copies of agreement to sell/sale deed/conveyance deed to arrive at the eligible loan amount under IHLS. The employee shall also submit, along with the loan application form, a suitable signed declaration giving chronological details of such loans availed earlier. The following stipulations applicable in case of additional housing loan under IHLS for purchase of new house/flat by selling the old house/flat are waived as a onetime measure for the existing employees: (i) (ii) (iii) Prior approval of the Bank to sell/buy provided the old loan was liquidated out of sale proceeds of the old house. The stipulation of a lapse of minimum period of 7/5 years for availing additional loan after availing the first loan. The stipulation that both the transactions of sale/purchase of old/new house hould be completed within the specified period (maximum 24/60 months).
The waiver of these three stipulations is made available to the employees who have already completed the transactions of sale/purchase and also to those employees who propose to acquire a new / bigger house, but the facility of loan must be availed on or before 31.03.2012 in both the cases. In other words, above mentioned stipulations will be operative after 31.03.2012 and this date will not be extended in any circumstances. B. EMPLOYEES WHO HAD ACQUIRED ONE .HOUSE BY AVAILING LOAN UNDER IHLS AND HAVE ALSO ACQUIRED OR PROPOSE TO ACQUIRE A SECOND HOUSE: The employees who had acquired a house by raising loan under IHLS or a new / bigger house by raising additional loan under IHLS and have acquired or propose to acquire a second house, may also be allowed to avail the difference between maximum revised entitlement and the limit of initial housing loan and/or additional housing loan for repairs/renovation/alteration/bigger house already availed under IHLS, to acquire a second house or to repay the borrowing on commercial rate either from the Bank or another bank/financial institution incurred to acquire a second house, We, therefore, propose that all employees should be permitted to acquire up to maximum of two houses/flats within their overall entitlement for loan under IHLS during entire service in the Bank. The amount of loan under IHLS to acquire the second house shall be restricted to the lower of the followings: (a) Entitlement as per revised IHLS, as reduced by original loan and/or additional HL under IHLS if availed earlier, irrespective of whether the earlier house is sold or not. OR (b) Amount outstanding, as on date of application, in the housing loan raised on commercial terms and conditions either from Bank or from other banks to acquire the second house. C. LOAN IN CASES WHERE BOTH THE HUSBAND AND WIFE ARE WORKING: At present, if both the husband and the wife are employees of the Bank, only one of them can be granted loan equal to combined amount calculated on the basis of their individual eligibility or the maximum permissible to an employee under IHLS, whichever is less. Similarly, if the husband and wife are either working in different banks or one of the spouses is working in a Central/State Govt. semi-Govt. sector enterprise or institution or local bodies etc. the house building advance is admissible to
only one of them.It is, therefore, decided that if both the husband and wife are working in the Bank, as they have separate incomes and have higher combined repayment capacity, they should be allowed one joint loan under IHLS up to their combined entitlement for one house or two loans separately as per their individual entitlements. On the same lines, if one spouse is working with any other bank/institution/corporate etc.
or Central / State department / their undertakings etc., both the husband and the wife will be eligible to raise concessionary housing loans as per their individual entitlement from their respective employers. D. LOAN FOR REPAIR/RENOVATION/ALTERATION OF THE HOUSE/ FLAT ACQUIRED WITHOUT BANK'S FINANCE: In cases where extension/alteration/renovation of the house/flat or apartment inherited or acquired by the employee from own resources is involved, the admissible amount of housing loan under IHLS has been decided to increase as under: EXISTING 50 times the Basic Pay or Rs.2.00 lacs, PROPOSED 50 times the basic Pay or Rs.10 lacs, whichever is less. whichever is less.
All the terms and conditions for grant of housing loan under IHLS including creation of a mortg margin, 60% deduction clause, repayment terms etc. shall be applicable in such cases.
E. CEILING OF 60% FOR MAX. DEDUCTION FROM TOTAL EMOLUMENTS: With a view to enable the employees to avail housing loans, it has been decided to make some changes in the criteria for arriving at gross monthly emoluments and total monthly deductions for the purposes of ceiling of 60% exclusively for housing loans. While the stipulation that maximum deductions should not exceed 60% of gross emoluments is proposed to be retained, it has been decided to make the following changes for the purpose of calculation of 60% deductions: Any regular income from other sources like interest on deposits, dividend income, income or rental income from existing house as declared by the employee in the last Income Tax Return may also be added to the gross monthly emoluments of the employee to calculate the percentage of deductions. A copy of the latest acknowledged copy of Income Tax Return evidencing such income should be kept along with the loan documents. To elaborate, monthly average of such declared annual income from other sources (divided by 12) may be added to monthly emoluments to arrive at gross monthly income and percentage of deductions be worked out thereafter.
The total monthly deductions should not exceed 60% of the gross monthly income of the employee as calculated above. The above method of calculation of 60% deductions will be applicable only to housing loans under IHLS. For all loans other than housing loan under IHLS, calculation of 60% deductions will be as per extant instruction. F. RATE OF INTEREST ON EXISTING PRINCIPAL OUTSTANDING UPTO RS.1.10 LACS IN LOANS SANCTIONED AS PER PRE-REVISED IHLS: It has been decided that in all existing housing loans sanctioned/disbursed under IHLS before the 1St of April, 2011, interest @ 5% p.a. (simple) will continue to be charged for the initial principal loan amount outstanding up to Rs..1.10 lacs, till full and final repayment of such loan. Revised entitlement : Application/Appraisal for conversion of Housing loan on commercial terms to IHLS & sanction of additional) Housinq loan to Staff: The application, arrangement letter and appraisal format for conversion of housing loans taken under commercial terms fully or partly to Individual Housing loan scheme are given in the annexure. 2nd Additional Housing Loan: Many of the existing employees, who have availed housing loan in the past for construction/purchase of new house and also availed additional housing loan after 5/7 years for additional constructions, repair, renovation and alteration, are now eligible for 2nd additional housing loan (those who do not want to acquire second house but want to take up expansion/renovation of existing house) to the extent of difference between the housing loan including additional housing loan already availed and revised entitlement under Individual housing Loan Scheme for repair/renovation/alteration and to carry out additional construction in their existing houses subject to fulfilment of among others the following: i) The amount of loan in such cases will be limited to the amount of difference between the loans (Original housing loan + additional housing loan) already availed under individual housing loan scheme and present entitlement or 90% of the project cost whichever is lower. ii) The facility of 2nd additional housing loan will be available only once during the service and 5 years after availing the first additional housing loan. iii) This additional housing loan facility will be governed by the terms and conditions of the existing IHLS.
iv)
Wherever additional construction is involved in the existing house, it should be bigger by at least 120 sq.ft and should have at least one more room than the existing house/flat. However, this condition will not be applicable in case of repairs/renovation/alteration etc. The copy of permission obtained for additional construction from the appropriate authority should be submitted along with the proposal. The plan and estimate for repair/renovation/alteration /additional construction should be repared/certified by the Architect / competent Authority as in case of a fresh loan.
Date : ______________ The Branch/Chief/Asstt. General Manager, State Bank of Patiala, _____________________________
Dear Sir, INDIVIDUAL HOUSING LOAN SCHEME (IHLS) REVISED ENTITLEMENT : APPLICATION FOR (i) (ii) SANCTION OF ADDITIONAL HOUSING LOAN UNDER IHLS CONVERSION OF EXISTING COMMERCIAL LOAN INTO IHLS
I hereby apply for additional loan under IHLS/conversion of th e outstanding in the loan availed by me/ me with spouse on Commercial terms from the Bank as per the enclosed statement (annexure - duly completed in all respects) to additional/fresh term loan of Rs Housing Loan Scheme(IHLS) to Staff. I undertake to abide strictly by all the terms and conditions stipulated by the Bank in IHLS and any modifications thereto made from time to time. All other rules and regulations of the Bank applicable to the aforesaid Scheme will be observed by me and the instructions issued by the Bank from time to time, will be adhered to by me. I am fully aware that any breach of the terms and conditions stipulated by the Bank and any misutilisation of the amount of the loan will constitute a gross misconduct and shall render myself liable for disciplinary action as per service rules governing my services with the Bank. I also certify that the particulars given in the attached annexure are correct and nothing has been concealed by me which would prejudice or affect my right to apply for loan from the Bank under the captioned Scheme. Yours faithfully, as per revised entitlement under Individual
Signature Name : Designation:
ANNEXURE TO APPLICATION FOR (i) SANCTION OF ADDITIONAL HOUSING LOAN UNDER IHLS (ii) CONVERSION OF EXISTING COMMERCIAL LOAN INTO IHLS 1. Full name of the Employee 2. 3. 4. 5. 6. 7. 8. 9. Date of Birth Age as on the date of application Date of joining the Bank Date of confirmation Provident Fund Index No. Designation Department / Branch/Office Total service as on the date of application (including probationary period but excluding temporary service) Date of Retirement Salary Particulars
10. 11. (a) (b) (c)
Basic pay Special/Other allowance Dearness allowance
12. 13. 14. 15. 16. 17.
(d) Gross salary (e) 1/12 th of Rental/Interest/Dividend income, if any. as declared in previous year's IT Return (f) Total monthly income (d+e) (g) Deductions (excluding I. Tax & other deductions which are in the nature of savings) (h) 1/12 th of Income Tax paid in the last year (i) Aggregate deductions (g+h) (j) % of deductions ( i /f x 100) Address of house purchased / constructed Original Cost of project estimated at the time of sanction of loan Rs. Date of Sale Agreement/Deed Date of completion / possession Margin ( of project) (A) (i) (ii) (iii) (iv) (v) (vi) (vii) A/c No. Branch from where loan availed Date of sanction Limit Sanctioned Present outstanding
Rs. Rs. (D) X ____ Months
% of cost
Rs.
Details of existing Housing Loan under IHLS, if any Rs.

Rs. Rs Rs.
Date of commencement of repayment /Scheduled Principal @ Rs. date of commencement. if already not started. Amount of monthly instalment (vii) Due date of repayment of last instalment
(B) Details of earlier Housing Loan a/c availed, in the past, if any, under IHLS but fully repaid. (i) Limit sanctioned (ii) Date of sanction (iii) (iv) Name of the Branch from where the loan was availed
Date of Liquidation
18. Details of housing loan availed on commercial terms a) Name of the institution/Bank b) Name of the Branch
c) A/C No. d) Limit sanctioned e) Present outstanding f) Loan availed on g) Date of commencement of repayment/ scheduled date of commencement of repayment h) Rate of interest (whether floating or fixed) i) Amount of EMI/No. of Months j) Date of payment of last EMI 19. Maximum eligibility (Entitlement under IHLS as per Circular No. ) Less housing loan already availed under IHLS, if any (limit sanctioned irrespective of repaid or not) Net Amount eligible Outstandings in housing loan A/c under commercial terms, i.e. 18 (e) Original project cost for which the loan was sanctioned less margin (10%) Loan amt. now applied (Lowest of À' or 'B' or `C') 2 Proposed repayment programme (Principal & interest in the ratio of 7:3) (a) Residual period of repayment of housing loan on commercial terms Interest Months. OR Up to the date of superannuation whichever is earlier. (In no case the total repayment period will exceed 240 months from the date of original commencement of repayment of existing commercial loan proposed to be converted to IHLS) (please tick whichever is applicable) 21. I hereby agree that the equitable mortgage created as a security for the housing loan availed on commercial terms will be available for the converted additional/fresh loan under IHLS and will be enforceable for due repayment of the said converted additional/fresh loan under IHLS with interest and other charges. 22. I hereby irrevocably and unconditionally authorise you to recover from and out of my monthly salary / pension such sum or sums due to the Bank, in payment of all or any of the installments of loan or loans towards principal and/or interest and all other sums that may from time to time and at any time become due and payable by me to the Bank. I agree to your recovering from my salary/pension in the manner above mentioned. Ends: Yours faithfully, accounts ii. iii. i. Statement of existing loan
Latest salary slip Latest acknowledged copy of IT Return, if rental / other income to be added. Signature Branch/Office:
Name : Designation:
STATE BANK OF ................... ARRANGEMENT LETTER Shri /Smt : _________________________ Dear Sir or Madam, REVISED ENTITLEMENT : ENHANCEMENT OF LOAN UNDER INDIVIDUAL HOUSING LOAN SCHEME FOR STAFF With reference to your application dated _ we are pleased to advise having sanctioned the conversion of the outstanding in the loan account No. ____________________________________________________________________ availed by you on commercial terms from Bank in respect of purchase/construction of property at to additional/fresh term loan of Rs.__________________________ as per revised entitlement under Individual Housing Loan Scheme. 2. Interest on the loan will be charged at 6% p.a.(simple) 3.The repayment of the principal amount of the loan shall be made in (No. of months) monthly instalments each of Rs. _______________________ (Rupees ________________________________________________________________________ ) with effect from ______________ and the interest amount in _monthly instalments subsequent to repayment of principal. 4. Security :- The mortgage of the property created by you onwill continue to remain available as security for the additional/fresh housing loan sanctioned under IHLS. 5. All other terms and conditions as stated in our arrangement letter dated remain unchanged. Yours faithfully, Received Original. Terms and conditions accepted. (Borrower) Branch/chief/Asstt General Manager Copy to ___________________ (Salary disbursing o fficer) - for information a nd necessary deduction of Rs. _________ pm for credit to housing loan account No. _______________ with effect from _____________________________________________ Date: ____________
SANCTION OF REVISED ENTITLEMENT : CONVERSION OF HOUSING LOAN UNDER COMMERCIAL TERMS TO INDIVIDUAL HOUSING LOAN SCHEME i. Name of the employee ii. Designation iii. Category iv. Posted at v. Loan to be availed at (Branch name): vi. Amount of loan applied for vii. Forwarding letter ref no. 1. In terms of Circular No. , revised entitlement to convert entire outstanding in the housing loan account availed under commercial terms to housing loan under Individual Housing Loan Scheme (IHLS) to staff is as worked out below. (a) Project cost (b) 90% of project cost i.e. less 10% margin (c) Revised maximumlimit (Sup-Rs.20 lacs) (d) Less Limit sanctioned/availed under IHLS till date (irrespective of whether loan a/c is having outstanding or nor) (e) Difference (c-d) (f) Outstandings in the housing loan a/c on commercial terms (A/C No. ) (g) Eligible loan under IHLS (lowest of (b), (e) or (f) : Rs. Rs. Rs. Rs. Rs. Rs. Rs. (e) (f)
(b)
2. The loan will be repaid in the ratio of Principal : Interest = 7:3 ove r the residual tenure so as to ensure that its liquidation coincides with liquidation of the main IHL, if any. Therefore, revised repayment schedule would be as under: Residual repayment period of existing loan/commercial housing loan ii. Maximum permissible period. for repayment of converted/additional loan, in months Recovery of Principal @ Rs. _____________ iv. Interest (Subsequent to repayment of principal) i. Months Months Months Months
(Total repayment period including interest not to exceed 240 months from the date of original commencement of repayments of existing outstanding loan).
3.
The existing equitable mortgage created/extended at the time of sanction of housing loan on commercial terms/under IHLS would be available for the converted additional/fresh loan limit under IHLS.
4.
Additional lien would be noted on the Provident Fund account of the employee to the extent of the revised limit.
5. (a)
Maximum permissible deduction from the salary: Basic pay : Rs.
(b) (c) (d) (e) (f) (g) (h) (i) (j)
Special/Other allowance Dearness allowance Gross salary
Rs. Rs. Rs.
1/12th of Rental/Interest/Dividend income, if Rs. any. as declared in previous year's IT Return Total monthly income (d+e) Rs. Deductions (excluding I. Tax & other Rs. (deductions which are in the nature of savings) 1/12th of Income Tax paid in the last year Rs. Aggregate deductions (g+h) Rs.
% of deduction (i/f x100) % The sanction of the housing loan under the revised entitlement under IHLS should not result in total monthly deductions exceeding 60% of the gross monthly income of the employee. 6. Noted/To be noted in service sheet of the employee appropriately. 7. The loan amount should be directly appropriated towards outstanding in the housing loan account on commercial terms. Additional documents to be obtained: Arrangement letter ii.
Scrutinized & found in order/Recommended/ Sanctioned Rs Allocation of fund recorded.
Manager (HR)
Asstt General Manager
OTHER RELEVANT INSTRUCTIONS INDIVIDUAL HOUSING LOAN SCHEME PURPOSE OF LOAN :- Loans will be granted to employees of the Bank individually for acquiring suitable housing accommodation for the bonafide use of the employee and his/her family i.e. wife/husband, dependent children and dependent parents and can be utilized for the following purposes :i. Acquisition of a house or flat or apartment, new or old already built. ii. Acquisition of a site or a plot of land and construction of a house or flat or apartment hereon. iii. Construction of a house or flat or apartment on a site or plot of land already acquired. iv. Extension or renovation of the house or flat or apartment already acquired. v. Acquisition of an old house and renovation, extension thereof or acquisition of an old house, its demolition and reconstruction. Notes :a. Application may also be considered on merit of each case for part/full repayment of outside debt raised for any one of the above mentioned purposes provided these debts were incurred as an interim arrangement. b. The house/flat/apartment to be constructed/ renovated/extended or site or plot of land already acquired on which house or flat apartment is proposed to be constructed with the banks loan should be in the name of the employee or in joint names of the employee and his/her spouse only. c. The housing loan will be granted only once during the service of the employee in the bank in respect of one house/flat/apartment. d. The loans under the scheme will not be made available for purchase of land/house from a near relative. For this purpose, the near relative means spouse, parents, children, brothers and sisters. LOCATION :It would not be necessary for the employee to acquire house/flat/apartment at the place of posting but it must be for the bonafide use of the employee and/or his/her family and should ordinarily be within 16 kms. from an office of the bank. However, the restriction of distance would not apply in cases where an employee already owns a house/flat/apartment or a site or plot of land and wants to avail loan for renovation/extension of the old house/flat
or apartment or house/flat/apartment.
construction
of
new
Competent Authority to sanction the H/L if the place of posting and the place where the employee wants to construct/own house differ and fall in two different zones: The housing loan has to be sanctioned by the Zonal Manager of the branch which is situated nearest to the property. The Branch Manager/ Departmental Head should forward the housing loan application of the employee along with necessary documents to the branch which is situated nearest to the property who in turn will verify the facts and thereafter forward the proposal along with his recommendations to this Zonal Manager. On receiving the sanction of the loan, the recommending branch should inform the fact to the forwarding Branch Manager/Departmental Head where the employee is posted for his noting the same in the service record of the employee and also for advising the concerned employee to avail of the housing loan from the recommending branch within the stipulated period. [Cir.No.5 dated 18.01.1986] ELIGIBILITY :1. Permanent Employees: Confirmed employees who have completed 5 years of uninterrupted service in the bank are eligible for H/L under this scheme. Five years of uninterrupted service in the bank includes the probationary period but not temporary service, if any, put in by the employee. However, the ex-serviceman employee or the employee who was in confirmed service of a public sector bank or public sector financial institution or RBI, or Centre/State Govt., or an undertaking of Central/State Govt. before joining the service of the bank and had not availed of any H/L from his previous employer will be eligible for the housing loan if he has put in 5 years total service inclusive of service put in the above organizations and also confirmed employee of the bank with a minimum of 2 years total service inclusive of period of probation but excluding temporary service. [Cir.No.65 dated 28.05.1985] 2. Permanent Part Time Employees:-
(i) (ii)
Only those permanent part-time employees will be eligible for loan who are drawing scale wages i.e. one third, one half or three fourths of pay. Rate of interest and the recovery schedule for them will be the same as for other employees in the subordinate cadre. [Cir No.96 dated 07.07.1983] Husband & Wife :Combined eligibility: Where both the husband and wife are employees of the bank, one of them can be granted loan equal to combined amount calculated on the basis of their individual entitlement or the maximum permissible to an employee under the scheme whichever is lower.
3. (i)
(ii)
Property in the name of employee or in the names of employee and spouse : In terms of extant instructions the house/ flat/ apartment to be constructed/ renovated/ extended or site or plot of land already acquired on which house or flat or apartment is proposed to be constructed with banks loan should be in the name of employee or in the joint names of the employee and his/her spouse only.
(iii)
[Cir.No.68 dated 14.08.1984] The employees are not eligible for H/L if they already own a house by themselves. However, in regard to the cases where the employees wife/husband or dependent children own a house, the employee will not be eligible for H/L if the house is in the town/urban agglomeration where the employee proposes to construct or acquire a house with the advance from the bank. [Cir.No.77 dated 03.07.1985] The facility of housing loan under the scheme may be allowed to an employee who owns a share in the ancestral property, in his own name as a coparcener of a HUF, provided he declares in his loan application the full details of his interest in the ancestral property and the sanctioning authority is satisfied that it is not practicable for the employee to dispose of his share therein. Similar facility may also be extended in cases where spouse/dependent
(iv)
(v)
children of employee inherit any interest in ancestral property in the same town/urban agglomeration where the employee proposes to construct /acquire house with loan from Bank. [Cir.No.37 dated 05.08.1991] As already explained, if both husband and wife are in the service of the bank only one of them will be eligible for grant of the loan according to his/her entitlement. The bank will be within its rights to recall either of the loan in the event of both the employees having been already sanctioned the loan or charge commercial rate of interest on one of the loans. Reconstructing a new house by demolishing the existing house owned by way of acquisition or inheritance :Employees who want to reconstruct a new house by demolishing the existing house owned by them whether by way of acquisition or inheritance can be made eligible for H/L and can be granted H/L for reconstruction of a house after demolishing the old house. This will not be an additional loan and the Sanctioning Authority has to satisfy itself that the loan is given for genuine purposes and there are no chances of its misuse. [Cir.No.45dated 01.03.1999] Extension of housing loan facilities employees/officers under suspension:to
4.
5.
(i)
Employees/officers placed under suspension or against whom major penalty proceedings have been initiated:-
Ordinarily employees/officers under suspension or against whom major penalty proceedings are initiated, where there is a reasonable chance of dismissal, would not be eligible for house building advance. However, the competent authority, depending upon the gravity of the case, may sanction house building advance to an employee/officer against whom disciplinary proceedings are pending, subject to the condition that the employee/ officer furnishes collateral security in the form of sureties from two permanent employees/ officers of the Bank. An employee/ officer, who is not granted the loan on this account and, as a result, raises it from some other approved and verifiable source, may be granted loan on
conclusion of the disciplinary proceedings if he continues in service. (ii) Employee/officer against whom disciplinary proceedings on charges of minor nature have been initiated but are not placed under suspension:House building advance to such category of employees/officers can be sanctioned treating them on par with those against whom no disciplinary proceedings are initiated or pending. In other words, in such cases, no collateral security by way of sureties from two permanent employees/ officers of the bank will be insisted. (Cir.No.53 dated 02.02.1996 & 5 dt.19.04.1996) Normally Employees who have attained the age of 55 years are not eligible for H/L under the individual Housing Loan Scheme subject to certain conditions :(i) In cases, where loan under individual housing loan scheme was sanctioned when an employee was within 55 years of age but at the time of disbursement he has crossed the age limit, the disbursement may be permitted provided the delay has taken place on account of delay in allotment of house by the Development Authority/ Housing Board and that the employee has not crossed the age of 56 years at the time of disbursement. (ii) Where the employee could not, for circumstances beyond his control avail loan, the relaxation in age for 1 year or so after examining merits of each case may be given on the following terms and conditions :a. The applicant employee is in a position to explain to the Banks satisfaction that he could not avail the loan before completion of 55 years age due to genuine and compelling reasons. However, reasons like education/ marriage of children or transfers etc. should not be acceptable reasons as these are normal events in life/service. Moreover, the employees are expected to plan for acquisition of a house well in advance in their career so that the repayment could be spread through major portion of their remaining service in the bank.
6.
[Cir.No.34 dt.26.07.1990] (Cir.No.122 dt.31.12.1988) b. The relaxation in age will be permitted to an extent ensuring that the house is completed and occupied before the employee completes the age of superannuation/retires from bank and the repayment of the loan begins. In all such cases, the security viz. mortgage of the land and the house should be completed at least 6 months prior to the date of superannuation/retirement of the employee from the banks service. c. The repayment of the loan in above cases and interest can be made fully from the terminal dues and PF contribution (Banks as well as own), Gratuity, if any etc. However in such cases, the bank will permit, at its discretion, repayment of housing loan after retirement and where repayment is intended to be made in normal period or beyond the age of 70 years, the loans will have to be collaterally secured by long term deposits, interest income on which should be sufficient to meet the monthly liability towards repayment. Competent Authority: Each case proposed to be covered under the relaxation will have to be critically examined within laid down parameters and put up to the Managing Director for approval. [Cir.No.122 dt 31.12.1998] [Cir.No.34 dt 26.07.1990] 7. Employees on contract (for a limited number of years, less than 20) are not eligible for H/L under the individual Housing Loan Scheme. Stipulation of margin to be contributed by the employees waived. [Cir.No.per/18 dated 3.08.1993] PURCHASE OF READY BUILT
Margin :
HOUSES
The scheme for purchase of ready built house/flats envisages purchase of ready tenements from Govt. and other housing agencies by availing loan from the bank. This scheme does not specifically prohibit purchase of a house from a private vendor. However housing loans to employees, for purchase of an existing built up house from a private vendor may be sanctioned by the Zonal Heads i.e. Zonal Managers/DGMs. However, before extending credit facilities to employees who intend to purchase a flat/house from a private vendor, it should be satisfied interalia on the following aspects: 1. The vendor should be a builder and not a real estate agent and the builders bonafides /reputation should be well established. 2. Verification should be made as regards the vendors title to the property. 3. Valuation certificate should be obtained from a Got. Approved valuer in such cases. 4. Each such case should be critically examined and if there are special circumstances justifying consideration for sanction, then only the bank should entertain such a proposal. 5. Cost of the project should not be disproportionate to the employees source of income. It should be within repaying capacity of the employee concerned. [Cir.No.103 dt.12.10.1987]
Note :-
In the case of purchase of flat/house from society /builder, it would be necessary for the employees to obtain a certificate from the society/builder stating that the society/builder has not raised any finance from the Govt. or any other agency against the house/flat allotted to him/her and they would not create any encumbrances on the flat/house allotted to him/her in future.
LOAN TO EMPLOYEES WHO HAVE BEEN PROMOTED TO OFFICERS CADRE : As per the scheme, a member of award staff, who was sanctioned housing loan and subsequently promoted to higher cadre, be sanctioned difference in quantum of housing loan available to him between the lower and higher entitlement. (Cir.No. 68 dt 29.01.1997 & Per/4 dt.26.04.2004) REPAYMENT: i) In the case of construction of a new house, recovery will commence from the pay of the month following the completion
of the house or the pay of 18th month after the date of first installment whichever is earlier. In the case of loan taken for purchase of a ready built house recovery will commence from the pay of the month following that in which the advance is taken. Where the construction of new house/flat/apartment by Govt. agency is involved, repayment starts from the month following the completion of the house or 36th month after the date of disbursement of the first installment which ever is earlier.[applicable to both supervising and award staff ] [Cir.No.18 dt 26.03.02 & 8 dt 30.04 1998] (ii) In the process of recovery the portion of the loan carrying higher rate of interest will be treated as having been refunded first. The loan amount which remains unutilized at the end of 2 years period will automatically lapse unless extension in time limit has been granted by bank in the meantime. (iii) Employees who have availed housing loan under individual Housing loan Scheme can be allowed to repay the loan any time before 20 years and the title deeds be released after such payment. No penal interest shall be charged for accelerated repayment of the loan amount. However, prior sanction in each case should be taken from the competent authority. The request for release of title deeds from employees for sole purpose of disposal of property on profit will not be entertained. Further, once an employee is permitted the release of title deeds for compelling reasons, no request for grant of housing loan either to the employee himself or his/her spouse, if both are in banks service, will be entertained because the housing loan can be granted only once during the service of the employee in the bank in respect of one house/flat/apartment. Extension in time limit for completion of housing projects: (i) Where the houses are being purchased from Govt./Semi Govt. agencies viz. Housing Boards, Govt. Development authorities etc. a. On completion of 18 months cushion period (i.e 18 months from the date of release of first installment ) the cases where the construction of house is still incomplete and on receipt of the employees request for extension in time, general Manager (Operations) of the Bank may permit the extension for a period of 1 year (beyond 18 months) b. If the house is still incomplete within the extended period on request by the employee the
(ii)
Chief General Manager may grant further extension of 1 year ( beyond 30 months). Where the houses are to be constructed by private builders/ contractors : a. Normally at the time of submission of the proposal for sanction of the loan, the employees have to submit an approved building plan together with cost estimates by an approved architect/engineer certifying that construction, if undertaken could be completed within specified period. Accordingly the case of delay for these reasons should not ordinarily be considered. Similarly reasons such as posting at a distant place, non- dependent relatives etc. as cause for delay should not be accepted. Where the delay has been caused due to unforeseen circumstances not anticipated at the time of submission of the proposal by the employee and denial of extension of time will cause genuine hardship, the General Manager (Operations) may permit the extension for a period of 1 year (beyond 18 months cushion period i.e 18 months from date of release of first installment). If the house is still incomplete within the extended period, on request by the employee, the Chief General Manager may grant further extension of 1 year (beyond 30 months). In such cases where extension in time limit for completion of the project is granted, it should be ensured that:Banks entire loan, together with interest, is repaid within 20 years after expiry of 18 months from the date of disbursement of 1st installment of loan by suitably stepping up the repayment installments. The accelerated repayment obligation does not become onerous to the employee. [Cir.No.85 dt 26.12.90, Cir No.20 dt 10.06.96] [Cir.No.67 dt 17.01.97]
b.
c.
REPAYMENT OF HOUSE LOAN AFTER
RETIREMENT
(i)
(ii)
Repayment of loan under the staff co-operative Housing Scheme as well as the individual Housing Scheme is permitted after retirement in cases where repayment period extends beyond the age of retirement on the following basis: Efforts should be made to re-schedule the repayment programme so that the loan is repaid by the time the employee attains the age of 70 years. However, whether the loan is repaid by 70 years of age or later in all cases adequate deposit in the long term deposits with the Bank should be obtained which would earn interest at least equal to the loan amount. [Cir.No.131 dt 04.10.1983] (PER/13 dated 25.07.2011) With the introduction of pension scheme in our bank, employees seek voluntary retirement under pension regulations. These retiring employees/officers continue their housing loans with the Bank in post-retirement period as per the present provisions. It has now been decided that the facility of extended period beyond retirement for payment of house loan will now be allowed to the employees both who have opted either for Provident Fund or for pension as stated under item (a) & (b) below :(a) Who retire in normal course (i.e. on completion of 30 years of service or 30 years pensionable service or on attaining the age of 58/60 years whichever occurs first). Who seek voluntary retirement on medical grounds before completion of 30 years of service or 30 years pensionable service or on attaining the age of 58/60 years whichever occurs first. The facility of extended period beyond retirement of house loan, however, will not be allowed to the employees who have opted either for provident fund or for pension seeking voluntary retirement before completion of 30 years of service or 30 years pensionable service or attaining 58 years of age, whichever occurs first except on medical grounds. Such employees should be asked to liquidate the outstandings in their housing loan accounts on or before the date of retirement. [Cir.No.29 dt 08.10.97]
(b)
REPAYMENT OF HOUSE LOAN IN CASE OF DEATH
OF AN EMPLOYEE
In case of death, legal heirs can be permitted to continue the loan and make repayment as per the installments agreed with the deceased employee. But in all such cases the legal heirs should be asked to make satisfactory arrangements by which the installments are repaid at regular intervals. To ensure this, the legal heirs can be asked to either deposit adequate amount in the long term deposits with the Bank which will earn interest at least equal to the loan installment and in case where such deposit is not possible, surety of two persons who could be our employees should be obtained in addition to an alternative arrangement ensuring regular payment of installments. In the event of any other form of cessation of service of an employee, outstanding loan amount must be repaid at the time of cessation of service failing which penal interest should be charged. [Cir.No. 131 dt 04.10.1983]
Note :
Penal interest may be charged @ 1.5% above State Bank Advance Rate. [Cir No.57 dt. 24.07.1986] (a) Equitable mortgage of the land and building by deposit of title deeds to the property and lien on Provident Fund. In case where equitable mortgage can not be created, the amount of loan will be covered by another suitable charge on the property and lien on the amount of employees provident fund. The Bank may also require an employee in such cases to provide any further security acceptable to the Bank.
SECURITY:
(b)
Note:
In case of purchase of flat/house, it would be necessary to obtain a certificate from the society/builder stating that the society/builder has not raised any finance from the Govt. or any other agency against the house/flat allotted to him/ her and that they would not create any encumbrances on the flat/house allotted to him/her in future.
RELEASE OF TITLE DEEDS: (i) As the title deeds may be required by an employee for various compelling reasons like raising of further loan from LIC or some other financial institution for addition/alternations in the house or purchasing another house on account of family circumstances, it has been decided that the employees who have availed housing loan under the Individual House Loan Scheme be allowed to repay the loan any time before 20 years and the title deeds released after such repayment. No penal interest shall be charges for accelerated repayment of the loan amount. However prior sanction in each case should be taken from the competent authority. The requests for release of title deeds from employees for the sole purpose of disposal of property on profit will not be entertained. Further, once an employee is permitted the release of title deeds for compelling reasons, no request for grant of housing loan either to employee himself or his/her spouse, if both are in bank service, will be entertained because housing loan can be granted only once during the service of the employee in the bank in respect of one house/flat/apartment. [Cir No.50 dt.31.03.1983] (ii) After obtaining prior approval, the title deeds may be released on repayment of the loan in full where these are required for compelling reasons except for profit motive. Apart from it, in case of loans under the staff Co-operative Housing Loan Scheme, the title deeds may be released subject to concurrence of the concerned Co-operative Society, legal feasibility of releasing the title deeds and protection of Banks interest in terms of the value of the property mortgaged to the Bank. The Following authorities have been delegated powers to release the title deeds subject to the fulfillment of provisions under the relative scheme:(a) Regional Manager: In respect of branches under them. (b) (c) (d) (e) Zonal Managers: Chief Managers: them. Office Mangers: In respect of staff posted at Head Office In case of GM/Head: Next Higher Authority In respect of branches under them and Staff working in Zonal offices. In respect of staff working under
of the department at Head Offices/Zonal Offices/ Chief Managers
The release of title deeds will be permitted by the Controlling Authority of the disbursing branch (i.e. the branch which is controlling and supervising the advance of the Co-operative Housing Society concerned) and not the branch where the employee is posted. [Cir.No.90 dt 09.08.85 & Cir.No.100 dt.24.10.88] LETTING OUT: (i) The employee will be required to occupy the house himself unless he has been permitted in some special cases to occupy an official accommodation. However, if an employee is transferred from the place where the house/flat is situated or in any other special cases where circumstances justify, the employee will be allowed to let out the house/flat or give it on lease license basis to any one of his choice, subject to the Banks prior approval. Provided that in case the Bank desires to take the house on rent, it will be first offered to the bank and the bank will pay him economic rent as monthly compensation. After the banks loan in repaid, the employee would not be bound to offer the house to the bank. If an employee is given the official accommodation and the bank does not require the house owned by him, he can let out to anybody.
(ii) (iii)
HOUSING LOAN AT COMMERCIAL RATE FOR ACQUIRING/CONSTRUCTION OF SECOND HOUSE WITHOUT LIQUIDATING THE HOUSING LOAN ALREADY RAISED AT CONCESSIONAL RQTE UNDER STAFF HOUSE LOAN SCHEME:
It has been decided to remove the stipulation of liquidation of Housing Loan already raised by staff at concessionary rate of interest under Staff Housing Loan Scheme while permitting staff members to avail second housing loan from Bank under Banks Housing Finance Scheme for Public at commercial rate of interest subject to following conditions:-
i) The total deductions from the salary on account of all borrowings from the Bank as well as other sources, and statutory deductions like Provident Fund, Income Tax etc. (including instalment towards the proposed loan) should not exceed 60% of gross emoluments. ii) The instalment for the loan under Housing Loan Scheme for public should be recovered from the salary under check off facility along with instalment under Staff Housing Loan Scheme, outstanding if any, i.e. instalments towards both the loans have to be recovered from the salary simultaneously. iii) All other terms and conditions of the Housing Loan Scheme as applicable for public viz. margin, quantum of loan, repayment norms, rate of interest etc. and marking of lien on the Provident Fund, etc. shall be adhered to meticulously. iv) The loan in such cases would also be sanctioned by the same competent authority who are as per extant instructions authorized to sanction housing loan to staff under approved schemes. (Cir.No.Per/40 dated 19.03.2004)
House loan for repair and renovation of houses constructed/acquired by staff by raising house loan under Individual Housing Loan Scheme can be considered as additional housing loan under IHLS or as housing loan at commercial rate of interest. (Memo No. per/24 dt.06.10.2004) HOUSING LOAN ON THE BASIS OF POWER OF ATTORNEY Objective: Some of the Development Authorities, Housing Boards, Cooperative Group Housing Societies and other Govt. agencies allot residential plots/flats/houses on lease hold basis and such properties are being purchased/sold on power pf Attorney and Agreement to sell basis. The scheme aims at providing Housing Loan of Attorney and Agreement to sell basis. Purpose: (i) Purchase of a lease hold flat allocated by a Development Authority/Housing Board/any other Govt. Agency/Co-operative Group Housing society on power of attorney and agreement to sell basis. (ii) Construction of a house on a lease hold plot already purchased on power of attorney and agreement to sell basis. Eligibility : All members of staff who are otherwise eligible to avail housing loan/additional housing loan shall be eligible to avail housing loan under this scheme, subject to fulfillment of following conditions : (i) This loan shall be available only in respect of those properties which are being purchased from the original allottees, i.e on First Power of attorney basis.
(ii) (iii) (iv)
Housing board or development authority or any other Govt. agency, as the case may be, should have a scheme for conversion of leasehold property into free hold property. If allotment letter/rules specifically/impliedly prohibit(s) sale/transfer of property, no loan should be granted. Where lease deed permits conversion of lease hold property into free hold, loan should be granted, provided the allotee has already paid necessary fee for conversion. However bank can consider reimbursement of conversion fee so paid out of the loan amount.
Amount of loan: As per the eligibility of borrowing employee in terms of Housing loan scheme for members of staff. General Conditions (i) The employee shall undertake to get the lease hold property converted into free hold. (ii) All other terms and conditions, such as rate of interest, margin, repayment period, security, permissible deduction, incurring of registration/mortgage expenses, deduction of installment etc. applicable under the relevant housing loan scheme shall also be applicable for this scheme. It is further clarified that the requests of the employees for granting of loans on power of attorney basis will be examined on merits of each case. The instant scheme being different from the existing housing loan scheme, the competent authority to consider the proposals under the above scheme will be General Manager (Operations). The controllers are advised to examine all such proposals received under the scheme, strictly as per the guidelines given above before these are recommended for sanction to competent authority and also to ensure that there is no deviation in the scheme whatsoever. [Cir.No.14 dt.26.06.1997]
Housing Loan For Construction Of House On Lease Hold Land

The authority structure for sanction of housing loan proposals for acquiring housing projects on lease hold land under Individual Housing Loan Scheme on the prescribed terms and conditions are as under :(i) Where the housing project is on lease hold land, and the vendor is a Govt./ Zonal Head i.e. Deputy General Manager
(ii)
(iii)
Semi-Govt.Agency and the period of lease is not less than 20 years. Where the housing project is on lease hold land and where the vendor is an individual or a private agency and where the remaining lease period is not less than 20 years Where the housing project is on lease hold land and the remaining period is less than 20 years irrespective of the category of vendor i.e. Govt./semi-Govt. agency or private agency/individual
Chief General Manager
Managing Director. Such cases will not be generally entertained. However, where denial of relaxation will cause hardship, these will be considered on the merit of each case.
[Cir.No.58 dt 02.07.88 & 6 dt 03.06.93] However legal aspects of each case shall be examined carefully and thoroughly and repayment of entire loan with interest shall be ensured before expiry of the lease period by stepping up the monthly repayment installments suitably as hitherto. In this regard following aspects will receive critical scrutiny:(a) (b) (c) (d) The lessee will get clear, valid and marketable title over the property for a period of not less than 20 years. There is no prohibition in the lease deed to mortgage the property and availing loan thereof. Where permission of the lesser is required for doing any act by the lessee, such a permission is to be obtained by the lessee. Formalities as contemplated, under the Indian Stamp Act and Registration Act are to be complied with.
SCHEME FOR GRANT OF DEMAND LOAN AGAINST BANKS CONTRIBUTION TO PROVIDENT FUND FOR THE PURPOSE OF MEETING THE MARGIN MONEY REQUIRED FOR AVAILING HOUSING LOAN/TO MEET COST OF THE PROJECT OVER AND ABOVE THE QUANTUM OF HOUSING LOAN AVAILABLE FROM THE BANK The Executive Committee have approved a scheme for grant of clean demand loan to the staff for the purpose of meeting margin money required for availing housing loan/to meet cost of project over and above the quantum of housing loan
available from the bank, against Banks contribution to the provident fund on the following terms and conditions: (i) Clean demand loan may be granted to the members of the staff who avail housing loan under the Banks Housing Scheme for the purpose of meeting the margin money required for availing of the housing loan or to meet the cost of the project over and above the quantum of housing loan available from the Bank i.e. the employees own investment required for the project. (ii) The amount of demand loan shall be restricted to six months basic pay of the employee or the employees own investment to the housing project over and above the finance available from the Bank under the housing loan scheme whichever is less after exhausting the withdrawal facility from the provident fund against the employees own contributions. The amount will however not exceed the banks contributions to the provident fund together with the interest thereon. The repayment of the Demand Loan will be made by the employee in monthly installments not exceeding 60 months. [Cir.No.36 dt 05.08.1997] Interest will be charged at the same rate as is applicable to Demand Loan against gold ornaments. The periodicity of application of interest will also be the same as is applicable to the gold loans to members of the staff. A lien against the balance of the Banks contributions to provident fund will be noted. The chief General Manager is the competent authority to sanction all such demand loans under the scheme.
HOUSING LOAN TO STAFF FOR PURCHASE OF DDA FLATS

If employees who have been sanctioned housing loan under the individual house loan scheme for acquisition of flats allotted by the DDA are not given possession of the flats allotted to them because of various reasons beyond their control at DDA level but the repayment of the housing loan granted to them had become due/has been started thereby causing them great hardships. In such cases, request from the employees for deferring the recovery of the loan till the date of possession of the flat is given to them may be considered. The repayment programme in respect of housing loan granted for acquisition of DDA flats to be deferred by the concerned Zonal Managers,
AGM Mall road Branch in case of staff working in Head Office provided the employees satisfy the following conditions :(i) The possession of flat has not been delayed by the Agency due to Non-compliance of any formality/requirement on the employees part. The employee satisfies the bank about his capacity to pay the enhanced monthly installments.
(ii)
However rescheduling of the repayment programme is to be made in such a way that total repayment period does not exceed 20 years from the date, the repayment of the original loan becomes due in the normal course after maintaining 180:60 ratio of principal to interest as provided in the scheme i.e. the period for which the repayment has been deferred is to be deducted from the period in which the loan was repayable then the repayment programme is rescheduled. The logic behind this is that the period of repayment does not exceed the original period. [Cir No.9 dt 28.01.1986]
SCHEME FOR GRANT OF ADDITIONAL HOUSING LOAN (UNDER INDIVIDUAL HOUSING LOAN SCHEME)
[Basis Cir.no.per/150 dt.12.11.1983] The individual Housing Loan Scheme was introduced with the approval of the Executive Committee of the Bank as detailed in our Cir No. Per/30 of 1980 dated 8th july,1980. This Scheme has been in operation since long prescribes that loan can be granted once to an employee during his service in the bank and the employees who have availed themselves of the housing loan, once the constructions of the houses/tenements/flats is completed they can not be allowed additional loan. This restriction has led to many employees acquiring houses with bank finances, not
commensurate with their actual requirements and present status. It is natural on their part to have desire to on bigger houses as per their requirements. With a view to help such employees the executive committee have modified the scheme in terms of which an eligible employee can avail of the additional loan under the individual housing loan scheme. Eligibility: All the employees who have taken H/L under the individual Housing Loan Scheme are eligible for taking additional H/L but after a gap of 7 years from the date of sanction of original Housing Loan . they are eligible for this additional H/L only if the ceiling has been revised in the meantime. For example is an employee was initially sanctioned a loan of Rs.5.00 lacs under the individual housing loan scheme and his present entitlement is Rs.2.50 lacs will be sanctioned to him. If no ceiling has been revised in this span of 7 years, then the employee would not be eligible for the Additional Housing Loan. Note :The grant of additional housing loan to those employees who have sold their houses before the stipulated period of 7 years can be considered by the Managing Director on a case to case basis. Purpose:- 1. To carry out the additional construction of his existing house/tenement/ flat or to have bigger house but not for accommodation in better location in lieu of his existing one irrespective of the fact whether he had availed of loan under the staff Co-operative Housing Scheme or the individual Housing Loan Scheme. (c) For construction of a new house also by selling the existing house. (d) Additional housing loan is available to employees in cases where the earlier housing loan availed by the employee has been liquidated and title deeds released after completion of normal repayment programme i.e. the repayment programme had run for the period stipulated in the sanction letter. [Cir.No.per/1 dt. 01.01.1985] SUBSTITUTION OF SECURITY: (a) After 7 years of sanctioning of housing loan, employees may be permitted to sell the property and purchase another property and purchase another property from the sale proceeds at the same centre without restoring to any additional loan limit, if not required. The property so purchased will be a substitution of the mortgaged property. This facility may be extended once in entire service. Employees who avail the above facility are also eligible for additional housing loan in terms of housing loan scheme of the bank after 7 years from the date of change of security provided he has not availed any additional H/L facility at the time of substitution of property.
(b)
[ Award staff Cir No.5 dt 19.04.1996] [Supervising staff Cir. No.57 dt 10.12.1996] (c) Additional loan can be made available for construction of new house also by selling the existing house provided the employee complete the construction within 12 months from the date of sale of his old house and on fulfillment of other terms and conditions laid down under the scheme. If however the construction in not completed with in 12 months interest as on clean overdraft will be charged and if the loan is not availed of within 12 months the sanction would be automatically cancelled. Similar view would be taken in case of purchase of ready built houses. However in exceptional circumstances in case of construction of houses where the managing director on examination of the circumstances attached to each case comes to the conclusion that for no fault/delays attributable to the employee he/she is not in a position to complete the construction within the stipulated period of 12 months, he may at his discretion grant an extension of time upto further 6 months to be reckoned from the date of sanction of the loan. Normally extension beyond a period of 18 months will not be granted except in very special circumstances. However the stipulation that the repayment of the additional housing loans have to be made within the prescribed limit allowed by suitably stepping up the amount of installments. [Cir No. 76 dt 03.7.1985] [Cir No.20 dt 13.03.1989]
REPAYMENT :
The additional loan shall be repayable in not more than 240 monthly installments together with interest. If however the repayment can not be completed before retirement, the employees will be allowed to repay the additional loan after retirement, as at present in case of housing loan, but before they attain retirement, as at present in case of housing loan , but before they attain the age of 70 years, provided they keep an amount which should be such as will earn interest equal to the monthly installments and in no case less than the outstanding loan amount on the date of retirement as security with the bank. The employees shall give letter of authority to the bank to recover the monthly installments from interest payable on the above deposit.
ADDITOINAL H/L TO EMPLOYEES WHO HAVE ATTAINED THE AGE OF 55 YEARS : The facility of additional loan will be available to the employees who have attained the age of 55 years where for genuine
reasons they may not have taken additional housing loan for enlarging the existing or acquiring a bigger accommodation before the age of 55 years. However reasons like education/marriage of children or transfer etc. should not be acceptable reasons as these are normal events in life/service. However the authority for approval in such cases will vest with the General Manager Per/14 dated 27.07.2011. [ Cir No. 24 dt 17.03.1989] [Cir No. 34 dt 26.07.1990 ] OTHER TERMS AND CONDITIONS : (i) Request for additional loan from an employee for acquiring bigger accommodation ( and not for accommodation in better location ) by selling or by extending house/flat to meet the need for increased accommodation due to present family needs/employees status, will be considered by the bank at its discretion after the house/flat had been acquired by taking the bank loan earlier. The facility will be available only once during the entire service. The additional loan will be granted only under the individual Housing Scheme irrespective of the fact whether the original loan was granted under the staff cooperative housing scheme or the individual housing loan scheme. A minimum period of 7 years from the date of sanction of original loan should have elapsed but in case of employees who have sold their houses before the stipulated period of 7 years, request for grant of additional H/L can be considered by the Managing Director on a case to case basis strictly on merit. Such requests will be considered only once in the service carriers of the employees. [Cir No. 24 dt 25.08.1998] (v) Such accommodation should be bigger by at least 120 sq.ft and should have at least one more room than the existing accommodation. If the existing house/flat is being extended the construction plan etc. should be approved by the appropriate authority. Request for relaxing the stipulation that the new house/flat should be bigger by at least 120 sq.ft. and it should have one more room than the exiting house/flat may be considered provided it involves sale of existing house/flat in terms of the existing provisions of
(ii) (iii)
(iv)
additional house scheme. The competent authority for considering such request depending on the merits of each case will be the chief General Manager. [Cir No 51 dt 09.12.1994] In case of acquisition of a bigger house/flat the employee should sell his existing House/flat at prevailing market price to the satisfaction of the bank . In such cases where house/flat is in housing society financed by the bank under the staff cooperating housing scheme, the societys written permission will be necessary. The bank after satisfying itself about the genuineness of the case and ensuring that there is no profit motive, may permit the member employee to sell his flat and sanction the loan to have a bigger house/flat. The sale proceeds of the existing house/flat together with the funds made available to him with the additional amount of the loan must be utilized for acquiring a new house/flat. When the existing house is sols and a new one is purchased, these should be almost simultaneous transactions and in no case the time gap between the sale and purchase should extend beyond 12 months. As usual the house/flat including the additional construction will remain be mortgaged to the bank. In addition an appropriate lien will be marked on the employees provident fund which include provident fund. The stipulation regarding purchase of land/house/flat from a near relative in case of individual housing scheme will apply also to the sale of house/flat. The additional loan shall also be subject to all other terms and conditions relating to the loans granted under the individual housing loan scheme. The additional loan will run concurrently along with the previous loan if additional construction is put in the existing house. If however an employs wishes to purchase a bigger house by disposing of the existing one, he should liquidate his existing loan along with accrued interest, if any. In such an event the maximum additional loan amount would be increased to the extent of outstanding amount repaid and the recovery for this part of the loan together with interest, if any, would be in the same manner as it have been under the old loan.
ADDITIONAL HOUSING FINANCE AT COMERCIAL RATE OF INTEREST [Basic Circular No. Per/55 dt 25.02.1993]
As per extent scheme loans are granted to employees of the bank for acquiring a house/flat/apartment, old or new under individual housing loan scheme.
Employees were also permitted to avail additional finance from outside Govt./Semi Govt. Organisations, Housing Finance Corporation etc. Such additional loans were not being hitherto granted by the bank to its employees over and above the loan sanctioned under staff housing loan scheme. Taking into consideration the low ceiling amount of loans that can be sanctioned to various categories of staff and considering the phenomenal rise in the cost of construction, bank has now decided to grant additional loans for housing purpose to the employees over and above the loans, sanctioned under staff housing loan scheme strictly on the terms and conditions applicable to the borrowing public which are given below :Eligibility : Confirmed employees of the bank who have completed 5 years of uninterrupted service ( including probationary period but not temporary service, if any put in ) are eligible to raise loan under banks scheme for giving house building loans to employees.
Purpose :
To meet shortfall in the cost of construction of the house after raising loan under the bank scheme for giving house building loans to the employees. If an employee intends to take up additional construction which was not envisaged at initial stage for lack of funds, the loan under the scheme may be sanctioned. However all the stipulations of fresh loan will apply. As the loan for additional construction will be a fresh one 60%of the housing/additional housing loan or shortfall in the total cost whichever is lower can be sanctioned as additional housing loan on commercial rate of interest. [Cir.No. dt Per/58 dt 16.01.1995]
NOTE :
Additional Housing Loan on commercial rate of interest is available on both original housing loan and additional housing loan. [Cir No. Per/58 dt 16.01.1995]
Quantum of Loan : 60% of the loan taken from the bank under banks scheme for giving house building loans. Shortfall in construction cost/cost of flat house (after taking banks loan ) whichever is lower. At present the ceiling applicable to the members of the staff under additional housing scheme at commercial rate of interest are as under :Category of staff Individual Housing Loan Scheme Additional Total Loan Housing Loan ( in lacs) 60% of (2) ( in lacs)
(1) Supervising staff Clerical staff Subordinate staff
(2) 7.50 4.50 3.00
(3) 4.50 2.70 1.80
(4) 12.00 7.20 4.80
At present upper cost ceiling of Rs.18.00 lacs has been prescribed for supervising staff. This cost ceiling also takes care of 20% relaxation given by CGM on case to case basis. No such cost ceiling has been fixed for award staff and subordinate staff. Margin : NOTE :Margins will be same as applicable to the banks housing loan scheme for general public. The margin is to be calculated on the amount of shortfall i.e ( Total cost of project ) ( Amount of loan sanctioned under staff housing loan scheme).
Rate of interest :The rate of interest will be exactly same as applicable on banks scheme for housing loans to general public. [ Cir.No.Per/23 dt 01.09.1999] Documentation : Loan Application Letter of authority addressed to bank to deduct monthly installments from salary Memorandum of term loan agreement for housing loan. Repayment: Entire loan together with interest will be repayable in equal monthly installments (EMI) within a maximum period of 15 years or the remaining period of service whichever is less. In case it is not possible to liquidate the loan on superannuation the employee will be required to deposit adequate amount in banks long term deposits so as to yield enough interest to cover the installments of loan. Recovery will start from 18th month after the date of disbursement of the first installment or from the month following the completion of the house whichever is earlier. Security : Extension of existing equitable mortgage created on the property by obtaining a fresh recital from the borrower to cover existing as well as additional loan. Noting of lieu on the employees provident fund. Mode of Disbursement :installments. As per the progress of construction in 2/3
Competent Authority :Deputy General Managers who are in charge of their zones are empowered to sanction loans under the scheme within the allocations made by head office under the scheme of direct housing loans to individuals.
Miscellaneous:
1. Housing Loan on commercial rate of interest is admissible on both original housing loan and additional housing loan. In both the cases the quantum of H/L which will be sanctioned will be limited to 60% of the quantum of the loan sanctioned at that particular time or the shortfall in the total cost whichever is lower. Needless to add the prescribed margins shall apply. To make things clearer, the entitlement of H/L on commercial rate of interest of an employee who is sanctioned an original H/L of Rs.6.00 lacs will be 3.60 lacs (60% of Rs.6.00 lacs) or shortfall in the total cost whichever is lower. On the other hand if an employee is sanctioned an additional H/L (admissible after a period of 7 years from the date of sanction of the original loan) of Rs.4.00 lacs (present entitlement original H/L) he will be entitled for housing loan on commercial rate of interest to the extent of Rs.2.40 lacs )60% of Rs.4.00 lacs) or the shortfall in the total cost whichever is lower ). [Cir No. 58 dt 16.01.1995] 2. Employees who have completed the age of 55 years are eligible for additional housing finance. However repaying capacity after superannuation and adequate collateral security must be given due weightage to safeguard the banks interest. [Cir No. 2 dt 26.04.1993] 3. The employees request for additional housing finance due to escalation in prices of the inputs may be considered provided the construction of house/flat has not been completed and the sanctioning authority is satisfied. [Cir No.2 dt 26.04.1993]
Ceiling of 60% of loan sanctioned under Individual Housing Loan Scheme for additional housing loan at commercial rate of interest has been removed. The amount of loan to be sanctioned as additional housing loan at commercial rate of interest will be determined by the cost of the project and the conditions that the total deductions on account of all borrowings from the bank & other sources, including deduction on account of PF, Income Tax etc. do not exceed 60% of the gross emoluments. [Cir.No.Per/39 dated 14.12.2005]
SCHEME FOR GRANT OF ADDITIONAL HOUSING LOAN FOR REPAIRS,ALTERATION AND RENOVATIONS [Basic Cir No.Per/46 dt 19.01.1996] Additional housing loan at commercial rate of interest to the members of staff can be given to meet the expenses incurred for repairs, alterations and renovations of residential property acquired by availing loan under the banks housing loan scheme on the terms and conditions enumerated below . Eligibility : Employees of the bank who have acquired residential accommodation by availing loan under the banks housing scheme. This facility will be available only after 5 years of availment of the banks housing loan sanctioned at concessional ate of interest .5 years period is to be reckoned at concessional rate of interest. 5 years period is to be reckoned from the date of completion of the house or the date of occupation of the house, whichever is later. Employees who have availed additional housing loan at commercial rate of interest to meet margin requirements for acquisition/construction of house will not be eligible for this loan. Purpose : To meet the expenses incurred for repairs alteration and renovations of the residential property acquired by availing loan under the banks housing loan scheme.
Amount of loan : 80% of the estimated cost of repairs, alterations and renovations subject to a maximum of 60% of the original loan sanctioned under the banks Housing Loan Scheme at concessional rate of interest. The estimates submitted by the employee must be verified and certified by the Banks Civil Engineer. Rate of Interest : Banks prime lending rate applicable from time to time applied at quarterly rests (compound).
Repayment :
Entire loan together with interest will be repayable in equal monthly installments (EMI) within a maximum period of 10 years or the remaining period of service whichever is less, in case it is not possible to liquidate the loan on superannuation, the employee will be required to deposit adequate amount in the Banks long term deposits so as to yield sufficient interest to cover the installment of loan . The burden of repayment of the loan and the interest thereon should not be onerous. In other words it must not exceed 50% of the gross emoluments excluding the statutory deduction viz. the income tax, LIC premium and professional etc. Recovery will be made from the salary of the employee commencing from the month following the month, in which the loan is disbursed. Equitable mortgage of property or extension of existing equitable mortgage created on the property by obtaining a fresh recital from the borrower to cover existing as well as the additional loan ( the recital similar to the one being made at the time of sanction of additional housing loan at commercial rate of interest may be made in the title deeds register).
Security :
Discretionary power: General Manager (Operations) shall be the competent authority to sanction loan. [Basic Cir No.Per/37 dt. 14.12.1998] At present members of the staff are granted loans for purchase/construction of houses/flats under the banks Individual Housing Loan Scheme at concessional rate of interest. Prior to 1993 there was no scheme for providing additional housing finance to staff to meet the shortfall in their construction cost, even at commercial rate of interest. Therefore employees were allowed to raise finance from Govt./Semi Govt. Public Sector Organizations/Housing Development finance Corporation etc. upto 60% of the loan taken from the bank. But with effect from 25.02.1993, the Bank has started giving additional housing loan at commercial rate of interest to staff members over and above the loans sanctioned under the individual housing loan scheme. This additional loan would be 60% of the loan taken from the bank under the banks scheme for giving house building loan or shortfall in construction cost/cost of flat/house (after banks loan) whichever is lower. Since The bank has started giving additional housing loan to the staff members to meet the shortfall in their construction cost/cost of flat/house, they are not allowed to raise additional housing loan from outside sources such as LIC, Co-operative Credit Society or any other Financial institution. As per extant instructions, housing loans under Staff Housing Loan Scheme will be granted only once during the service of an employee in the bank in respect of one house/flat/apartment. The staff members are not eligible to avail themselves of a housing loan for purchasing second house even at commercial rate of interest. But now with the approval of executive committee, it has been decided to extend loan facilities at commercial rate of interest to the employees of our bank under banks normal housing Finance Scheme meant for public on the following terms and conditions :
(a) The housing loan availed of by the staff members under the staff Housing Loan Scheme should have already been fully liquidated by the employee (either by sale of the house or otherwise). (b) Loan may be extended to the employee even if the employee/spouse of the employee already owns a house and the employee has not availed of any loan under our staff housing loan scheme. (c) Employees whose wife/husband or dependent children own a house situated in the town/urban agglomeration where the employee proposes to construct house can avail H/L under this scheme. (d) Confirmed employees having put in 5 years of total service (including probationary period but not temporary service) would only be eligible for the loan. (e) All other terms and conditions of housing loan scheme as applicable for public viz. margin, quantum of loan, repayment norms, rate of interest etc. would be applicable for these loans also. (f) In addition , a lien on the Provident Fund of the employee will also be noted (g) The loan under the scheme to staff would be sanctioned on merits by the competent authority mentioned in the Head Office Cir.No.OPD/8 dt 03.10.1996 and OPD/1 dt 14.06.1997. (h) The total deductions from the salary on account of all borrowings from the bank as well as other sources, Provident Fund, Income Tax etc. should not exceed60% of gross emoluments. It has been decided to include renovation/alteration and extension to the existing house/flat as purpose of loan under this scheme. House building advance where house/site/plot is in the name of spouse. Under the Individual Housing Loan Scheme for Staff, the housing loan can be sanctioned for purchase/construction/renovation/extension of house/flat/apartment where the housing property is in the name of spouse, subject to fulfillment of under noted additional terms and conditions: i) The spouse of the employee will be a co-borrower. ii) The employee and his/her spouse will be jointly and severally liable for repayment of the loan with interest and other dues. iii) The spouse of the employee will mortgage the housing property to the Bank as security for the loan. (Additional documents, as per specimens enclosed with the H.O. Cir.No.Per/10 dated 17.07.2006 will be obtained by the Bank). iv) All other terms & conditions as conveyed from time to time applicable to Individual Housing Loan Scheme shall remain unchanged. [Cir Per/10 dt 17.07.2006] B.
1. (a)
SCHEMES FOR GRANT OF CONVEYANCE LOAN

SCHEME FOR GRANT OF CAR/SCOOTER LOAN
Per\31 dt.29.03.2010 Per\43 dt.30.03.11

Eligibility An officer drawing a basic pay of Rs.9820/- p.m. and more (as per old scales) shall be eligible for a loan for purchase of motor car. However, a
physically handicapped officer drawing a basic pay of less than Rs.9820/ p.m. (as per old scales) shall be eligible for a loan for purchase of special motor car marketed by Maruti Udyog Ltd., provided he has completed 5 years of continuous service in the bank. Addendum: Erstwhile Basic pay of Rs. 9820/ - may be linked to the corresponding stage of latest wage revision
(b) Quantum of loan The maximum amount of loan that may be granted for purchase of a motor car shall be 90% of the cost of the motor car subject to a maximum of Rs.7.00 Lac which ever is less. The maximum amount for purchase of two wheelers shall be 90% of the cost of the vehicle (without ceiling). Further, an officer can purchase both two wheeler and four wheeler within overall limit of Rs. 7.00 Lacs Per/31 dated 29/03/2010(Cir. No. Per/43 dt. 18.2.2003) (c) Rate of interest 7% per annum simple Per/31 dated 29/03/2010 (d) Repayment The loan together with interest thereon shall be repayable in not more than 200 monthly installments in the case of motor cars and in not more than 84 monthly installments in the case of any other conveyance. However, in case such loan availed of by an officer is outstanding at the time of his retirement, its repayment may be permitted according to the original repayment programme, until the loan is fully repaid, provided the officer places an adequate amount in a long term deposit d uly discharged under lien with the bank which will earn monthly interest at least equal to the loan installment and interest. In the even of the death of an officer during the currency of the loan, the same will be adjusted against the deposit.
Cir. No's. Per/42 dt. 6.5.89 Per/40 dt. 30.12.95 Per/63 dt. 1.1.1997 & Per/23 dt. 6.9.1997
The repayment period has been changed to 180 monthly inslaments with 132 for principle and 48 for intrest Per/31 dated 29/03/2010 The facility of continuing the conveyance lo an is not to be extended to employees seeking voluntary retirement, except the cases where officer seek voluntary retirement on medical grounds before attaining the age of 58/60 or 30 years of service. Cir. No. Per/10 dt. 10.6.97 & Per/42 dt. 17.2.98 Staff Misc- Loan for 2 n d Vehicle Loan at Commercial Rate of Interest Note: Off icers/ex employees are allowed to avail loan for purchase of Car or two wheeler on the terms & conditions as applicable to general public subject to the conditions that total deductions from salary including repayment of proposed loan do not exceed 60% of gross emoluments. However, processing fee for the vehicle loan, if any, will be waived for the staff. (Cir.No.Per/36 dt.20.02.2004) Conveyance Loan to Employees who are promo ted to Officers Cadre: An employee in clerical cadre will be eligible to avail car loan on concessionary terms and conditions on promotion as off icer JMGS - I from the date of his request or becoming eligible for car loan as an officer, whichever is later. The entire loan should, however, be repaid in 200 months f rom the date of original disbursement (i.e. in clerical cadre), the quantum of instalment af ter becoming eligible for concessionary terms and conditions should be so f ixed that the balance outstand ing and interest thereon are
repaid in the ration of 2:1 as applicable to off icers. (Cir.No.Per/4 dt. 26.04.2004)
2.
SCHEME FOR GRANT OF CONVEYANCE LOAN FOR BOOKING OF MARUTI CARS/VANS (a) Presently, under the scheme of conveyance loan sanction ed to officers for purchase of Cars etc., the vehicle is to be acquired within the month of disbursement of the loan amount. However, these days Maruti Car/Van is required to be booked in advance with an amount of approximately Rs.2 lac (whereas it was 1000/- only earlier) and the delivery period after booking of the vehicle is 6 to 8 months. Accordingly, the officers are facing difficulties in booking Maruti Cars/Vans. (b) With a view to mitigate the hardships caused to officers, the Executive Committee of our Bank in its meeting held on 27th July, 1996 approved that requests received from officers intending to book Maruti Cars/Vans, for release of eligible amount of conveyance loan in full i.e. upto a maximum of Rs.80,000/- should be considered favoura bly subject to the following terms and conditions : i) The eligible amount of conveyance loan (upto a maximum of Rs.80,000) may be released in full at the time of booking of vehicle on a request from the officer and on production of invoice/estimate from the authorised dealers of Maruti Cars. ii) A.D.P. note and take delivery letter will be taken from the officer for the said amount. iii) iv) v) vi) The interest will be at the same rate as charged for conveyance loans at concessional rate under the scheme. The recovery of the loan amount will start from the month following the month in which loan is disbursed. A lien to the extent of the loan amount will be marked on the provident fund balance of the official. On delivery of the vehicle, the letter of hypothecation, and other documents will be executed by the official. Upto this period the loan will be treated as clean. The stipulated documents may be modified suitably.
vii) In case the officer decides, in the meantime, not to purchase the car, the full amount of the loan with upto date. 3. Second Vehicle Loan at Commercial Rate of Interest Members of supervising staff are also allowed to raise loan for 2nd vehicle on commercial rate of interest strictly on the terms and conditions applicable to general public. (Cir. No. Per/47 dt. 12.3.2003) 4. SCHEME FOR GRANT OF DEMAND LOAN FOR CARRYING OUT REPAIRS TO CARS OWNED BY OFFICERS
It has been decided to sanction loans to Officers who own cars, purchased with or without Bank's Finance upto a maximum of Rs.10,000/- for carrying out major repairs once in every five year subject to the following terms and conditions :
a) b) c) d) e) f)
The amount of advance will be 80% of cost of repairs or Rs.10,000/ whichever is less. Simple interest @ Rs. 8.5% shall be charge d on the amount of advance. The advance along with interest thereon shall be repayable in 36 months. Loans for replacements of major parts as well as painting works involving large expenses may be sanctioned by the appropriate authority. The cost of tyres and tubes can also be reimbursed within the frame of the existing schemes. The official will have to produce within six weeks of availment of the loan, evidence of expenditure incurred by submitting Cash Memos/Garage receipts etc. Cir. No. Per/11 of 1988 dt. 9.12.88 Per/55 of 1989 dt. 27.7.89
Per/32 of 1990 dt. 13.7.90 & Per/43 dt. 18.2.2003 Additional Car repair loan at Commercial Rate of Interest be allowed to officers to the extent of Rs.10,000/ -. (Cir. No. Per/18 dt. 4.8.1997)
C.
SCHEMES FOR GRANT OF CONSUMER LOAN
The scheme for grant of consumer loans is as under: (a) Eligibility Full time permanent employees, who have completed 3 years total and continuous service in the Bank, will be eligible to apply for consumer loans. (b) Limit The loan will be given to the extent of 8 month's basic pay maximum 20,000/- subject to the condition that the amount of the loan will not exceed 80% of the cost of the article proposed to be acquired. (c) Rate of Interest (d) Simple interest will be charged 11% per annum inclusive of interest tax). Repayment
84 equal monthly instalments commencing from one month after the date on which the purchase is made. (e) Items to be purchased The loan will be given for purchase of the following items mainl y : a) T.V. set b) Radio c) Record Player/Music system d) Furniture e) Refrigerators and other kitchen appliances/gadgets f) Washing and Cleaning equipments g) Fans h) Sewing Machines j) Two wheelers i) Home computers, G.Mobile/Cordless phone, (k) Inverter/Generator
(f) The payment will be ordinarily made by the Bank direct to the suppliers. (g) Departures in respect of items (e) and (f) above, i.e. permitting purchase of an item other than those listed in the scheme and making advance p ayment to the employee direct may be made only by the General manager (Operations). (h) Existing provision of granting consumer loans for a second time or subsequently only after 1 year of repaying the previous loan also stands waived with the stipulation that new loan will be granted to an employee for
consumer items other than those acquired under previous loan after repayment of the previous loan. (i) The sanctioning authority for the loan will be Branch Manager/Chief Manager/Office Manager. (j) The articles purchased will be subject to inspection during the period of currency of the loan. (k) The statutory deductions such as deductions on account of Income -Tax, Compulsory Deposit Scheme, Provident Fund etc. and those which are savings-oriented such as Life Insurance Corporation premia additional contributions to Provident Fund, Public Provident Fund, Compulsory Term Deposit etc. will not reckon 25% stipulation. Repayment on account of house building loan and festival advance will also not be reckoned for 25% stipulation. (l) The security documents to be obtained for the loan under reference will be similar to the other staff loans like loans for the purchase of scooters/motor cycles/bicycles, etc. Cir. No. Per/93 dt. 2.7.83, Per/23 Dt. 6.3.86, Per/99 dt. 21.10.88, & Per/51 dt. 7.9.90, & Per/25 dt. 5.7.2002
D.
(a)
SCHEME FOR GRANT OF FESTIVAL LOAN

Quantum
One Gross Salary (to be rounded 000 on lower side) (BP+DA+HRA+PQA+FPA emoluments as payable for the purpose of leave encashment
for LTC Per\04 May 1982 (b)
dt.26.05.2009
Officers on probation also eligible Per\32 dt.4th
Recovery In 10 equal monthly instalments, beginning from the salary paid in the month following that in which the festival falls. The advance will be granted once in a year for any recognised festival of the employee's choice. The next advance will be granted only after the previous advance has been repaid. The Festival advance may be sanctioned without having any relation to 60% limit placed on recoveries. In other words, even if the deductions exceed the limit of 60% of gross salary, festival advance may be sanctioned as the same is a short term advance deductible from salary. (Cir.No.Per/33 dt.09.02.2004 & Per/21 dt.20.09.2005)
E.
(a)
SCHEME FOR GRANT OF GOLD LOAN

Purpose (b) Repayment (monthly instalments)
(i)
Medical expenses
60 60 60 100 36
(ii) Marriage of sole dependents (iii) Educational expenses in India/abroad (iv) Purchasing land/building or constructing a house (v) Other purposes (c)
Quantum of loan Rs. 25000/- per 10 gms gold. Should be got weighted and valued from the approved goldsmith. (d) Clarifications (i) It must be ensured that the monthly instalments and the periodical interest are recovered directly from t he salary and allowances payable to such employees. (ii) The documents are kept alive by reviving the same as per extant instructions. (iii) Sources of finance for completion of the housing projects be scrutinised properly and if there be a need, then only requests for sanction of gold loans for housing purpose be acceded to. (iv) The total repayment obligations in all respects against the gross salary of the employees should not become onerous; in other words, must not exceed 50% of the gross emolume nts excluding the statutory deductions viz. provident fund, income tax, LIC premiums and professional tax. (v) In the event of employees retiring before completion of the repayment period, the resultant repayment burden on pension, if entitled for payment of pension from the Bank, will not be onerous. In the event of non-fulfillment of this condition, the employee will have to liquidate the outstanding at the time of his retirement, out of the terminal dues payable to him. (Cir. No. Per/82 dt. 21.12.90, Per/43 dt. 27.1.94 & P&SB/40 Dt.2.9.2006) Scheme for grant of personal loan to staff: The Scheme aims at discouraging borrowings by staff members from sources other than State Bank of Patiala and other public financial institutions. The loan will be by way of clean overdraft for meeting any bonafide needs of the staff members, which is not speculative in nature, subject to following ceilings, depending on the total service of the officer JMGS-I to SMGS-V TEGS-VI&VII = Service >3 but <5 years = Rs.1.50 lac Service >5 but <10 years = Rs.4.00 lac Service >10 years = Rs.7.00 lac Service >10 years = Rs.9.00 lac
Subject to a maximum of 50% of the revised limit as Demand loan payable in 84 (70 + 14 instalments towards principal & intt.). If insufficient balance in PF,
extension of mortgage on house property to avail full loan amount as per entitlement
Per\8 dt. 28.05.09 Per\14 dt.28.7.09 , Per\17 dt.2.9.09 **********
CHAPTER 17 DELEGATION OF POWERS
Circular No. Per/ 23
Dated
17.09.2007
As mentioned against the column Revised Structure:a) b) General Manager shall mean : Concerned General Manager
Dy. General Manager shall mean : (i) For staff posted at Branches/ : Concerned DGM ROs/ZOs (ii) For staff posted at HO :> Those working under DGM > For others Deptts.: Under control of GM (P&D) Under control of GMO, CGM Sectt., MD Sectt. Under control of GM (Try) Under control of GM (Vig) Under control of GM (CB) Under control of GM (T&I) : Concerned DGM : DGM (D&RB) : DGM (Ops) : : : : DGM DGM DGM DGM (A&C) (Credit Audit) (CAD) (ITS)
REVISED AUTHORITY STRUCTURE OF DELEGATION OF ADMINISTRATIVE POWERS
S.n. Particulars 1. Receiving reports of transactions concerning movable property owned or held either in his own name
Existing Structure For officers serving at branches : Controlling Authority For officers serving at ROs/Zos
Revised Structure No Change No Change
2.
or in the name of a member of his family, in case the value of property exceeds Rs.25000/(The same shall be kept in the service file of the official) Annual Grade Increments Supervising Staff
: DGM / Controller For officers serving at HO : General Manager concerned
Upto SMGS
3.
Up to MMGS II (For Brs, Ros, Zos) : Concerned Module Head (For officers at H O) : General Manager MMGS III = GM SMGS IV / V = CGM TEGS VI & above = MD : Pay Fixation of Supervising JMGS / MMGS General Manager (Op) Staff SMGS : Chief General Manager TEGS / TEGSS I : Managing Director Permitting an officer in SMGS, the facility of leased accommodation at their place Managing Director of choice beyond the academic session For staff posted at branches : Silver Jubilee Awards Concerned CA For staff posted at RO/ZO : Concerned ZM For staff posted at HO : GM concerned Authority to permit Additional Housing Loan where request for relaxing the stipulation that the new house/flat should be bigger by atleast 120 Sq.Ft. and it should have Chief General Manager one more room than the existing. Scheme for grant of General Manager additional housing loan for repairs, alteration and renovations
: DGM (Per & HRD) TEGS VI : Concerned & above Controlling Authority Upto SMGS-IV Controller / Deptt Head of scale not less than scale V Others Next higher authority to which the official reports. Up to MMGS-III DGM (Per & HRD) SMGS - GM(O) TEGS-VI & VII - CGM TEGSS-I - MD
4.
Chief General Manager
5.
Branch Head Deptt. Head Deptt. Head In case of Branch Head / Deptt. Head : Next higher authority to which the official reports
6.
General (Operations)
Manager
7.
Dy. General Manager
Annexure
Sr. No. 1. Area
Circular No. Per/ 11

Upto 3 months
Dated
25.05.2007
Revised Authority Structure
Existing Authority Structure : Concerned Controlling Authority > 3 6 months : General Manager > 6 months : Chief General Manager
2.
3.
If an officer is required to take up new assignment immediately on the instructions of the Bank without availing joining time, he may be permitted to avail the same if so desired by him. (Should be availed within three months normally) Competent authority to allow placing of appreciation / commendation letter in service file To give permission for higher studies, other than those where incentive money is paid
JMGS-I to MMGS-III : Chief General Manager SMGS-IV & above : Managing Director General Manager (Operations)
Upto SMGS IV for officers posted at Brs Upto 3 months : Controlling Authority > 3 -6 months : DGM > 6 months : GM for officers posted at HO Upto 3 months : Departmental Head > 3 -6 months : DGM > 6 months : GM All officers in SMGS V Upto 3 months : DGM > 3 months : GM All officers in TEGS VI : GM When letter is issued by DGM : GM When letter is issued by GM : CGM When letter is issued by CGM/ MD : MD
Dy. General Manager
DELEGATION OF ADMINISTRATIVE POWERS FOR SUPERVISING STAFF Circular No.Per/7 DT. 26-04-05 Sr. Area Present Sanctioning Proposed Sanctioning Authority No. Authority for officers for officers posted at posted at BRs. RO/ZO HO BRs. RO/ZO HO 1. Accumulation of leave GM GM GM DGM DGM DGM beyond 240 days upto 3 months 2. Medical bill as per scheme Upto Rs.10000/Above Rs.10000/DGM headed brs. Membership of Local Club/Banker Club Social Club/ Professional Club Extension of LFC Sanction of HRA on capital cost DGM headed brs. Purchase of Brief Case at DGM headed branches DGM GM GM DGM GM GM DGM GM GM AGM DGM GM AGM DGM GM
DGM(HR) DGM(HR)
GM
3.
GM CGM GM CA GM GM
GM CGM GM CA ---
GM CGM GM GM ---
DGM GM DGM CA DGM DGM
DGM GM DGM CA ---
DGM GM DGM DGM ---
4. 5.
6.
DELEGATION OF ADMINISTRATIVE POWERS FOR AWARD STAFF Sr. No. Area Present Sanctioning Authority for officers posted at BRs. RO/ZO HO GM GM GM Proposed Sanctioning Authority for officers posted at BRs. RO/ZO HO DGM DGM DGM
1. 2.
Accumulation of leave beyond 240 days upto 3 months Medical bill as per scheme Upto Rs.10000/Above Rs.10000/DGM headed brs. Permission to travel by taxi by clerical staff while on LFC Extension of LFC (max. 3 months)
3. 4.
DGM GM GM DGM GM
DGM GM GM DGM GM
DGM GM GM GM GM
AGM DGM GM AGM DGM
AGM DGM GM DGM DGM
DGM(HR) DGM(HR)
GM DGM DGM
For staff posted at Head Office except Foreign Deptt., the following DGMs would be the sanctioning authority except for medical bills:1. 2. 3. 4. 5. 6. 7.
Sr. No.
Deptts. Under control Deptts. Under control Deptts. Under control Deptts. Under control Deptts. Under control Deptts. Under control Foreign Deptt./IBD
Area
of of of of of of
GM(P&D) DGM(RRB) GM(O),CGMs Sectt. & MDs Sectt. DGM(HR) GM(Treasury) DGM(F&A) GM(V) DGM(HR)# GM(CB) DGM(CAD) GM(Tech./Insp.) DGM(CPP)/DGM(INSP) DGM(RRB)
Dated: 01.04.2005
DELEGATION OF ADMINISTRATIVE POWERS Circular No.Per/1
Present Sanctioning Authority for officers posted at BRs. RO/ZO HO
Proposed Sanctioning Authority for officers posted at BRs. RO/ZO HO
1.
2.
Principal approval for purchase of brief case i)Supervising staff upto SMGS-V ii)Officers in TEGS-VI Granting of mid academic year allowance to officers as per rules i)Supervising staff upto SMGS-V ii)Offices in TEGS-VI Sanction of personal loans OD limit to i)Award/subordinate staff ii)Supervising staff JMGS-I to SMGS-V TEGS-VI
CA GM
GM GM
GM GM
CA GM
DGM GM
DGM* GM
GM GM
GM GM
GM GM
DGM GM
DGM GM
DGM* GM
3.
DGM DGM GM
DGM DGM GM
GM GM GM
DGM DGM GM
DGM DGM GM
DGM* DGM* GM
For staff posted at Head Office, the following DGMs would be the sanctioning authority:1. 2. 3. 4. 5. 6. 7. Deptts. Under control Deptts. Under control Deptts. Under control Deptts. Under control Deptts. Under control Deptts. Under control Foreign Deptt./IBD of of of of of of GM(P&D) GM(O),CGMs Sectt. & MDs Sectt. GM(Treasury) GM(V) GM(CB) GM(Tech./Insp.) DGM(RRB) GM(HR) GM(F&A) DGM(Insp) DGM(CAD) DGM(CPP) DGM(FD)
Delegation of Administrative Powers General Matters Circular No.GB/OPD/ 1 of 2007-2008 Dated: 8th June, 2007
Delegation of Administrative Powers Sr . N o. Area Present Sanctioning Authority for Officers Posted at BRs 1 In Principle approval . for purchase of brief case for officers i) Supervising Staff upto SMGS-V ii) Officers in TEGSVI CA RO/ZO DGM DGM * GM GM GM -DOGM (No Chan ge) CA
Area
Proposed Sanctioning Authority for Officers Posted at BRs RO/ZO Mgr. (OAD) **
GM (No Change)
HO Supply of briefcase to all officers
HO CM (OAD) ***
GM (No Change)
CA
2 Sanction of Personal loans OD limit to DGM i)Award/Subordinate DGM staff
DGM *
Sanction of Personal loans OD limit to i)Award/Subordinate staff
Mgr. (OAD) **
CM (OAD) ***
ii) Supervising staff JMGS-I to SMGS-V
DGM DGM DGM *
ii)Supervising staff JMGS-I to SMGS-V
CA
Mgr. (OAD)
CM (OAD) *** GM (No Change)
TEGS-VI
GM
GM
GM
TEGS-VI
GM GM (No (No Chan Change) ge)
* See page 2 ** On the recommendation of Branch Head. *** On the recommendation of the Head of the Deptt. / higher authority in the case of Head of the Deptt.
3 Home/Leave Travel
Concessions
CA
DG M
CA
Home/Leave Travel Concessions including 75% encashment
DGM CA
Encashment of P. Leave upto a maximum limit of one month/15 days While proceeding on LFC/HTC once in four years/two years Encashment of accumulated leave at the credit of employee at the time of retirement.
CA
DG M
GM
Encashment of accumulated leave at the credit of employee at the time of retirement.
CA
DGM
CA
DG M
GM
Encashment of accumulated leave at the credit of employee at the time of retirement.
CA
DGM
Head of Deptt for staff working under him.For head of deptt. Next higher AuthorityHead of Deptt for staff working under him.For head of deptt. Next higher AuthorityHead of Deptt for staff working under him.For head of deptt. Next higher Authority.
* 1. Deptts under the control of GM (P&D) 2. Deptts. under the control of GM (O), CGMs Sectt. & MDs Sectt. 3. Departments under the control of GM(Treasury) 4. Department under the control of GM(V) 5. Departments under the control of GM(CB) 6. Departments under the control of GM(Tech.)
- DGM (D&RB) - DGM (P&H) - DGM(A/cs & Compliance) - DGM(Insp.) - DGM(Credit) - DGM(CPP)
Modification in the Authority Structure Of Disciplinary Matters of Officers Cadre JMGS-I & MMGS-II Circular No.GB/OPD/ 1 of 2006-2007 Dated: 26th May, 2006 Category of staff Disciplinary Authority Appellate Authority Reviewing Authority
(A) Supervising Staff Officers in JMGS-I to MMGS-III Officers in SMGS-IV & V
Officers in TEGS-VI, VII & TEGSS-I
MD A committee Comprising DMD(A&S) From SBI, Govt. Nominee Director & RBI Nominee Director on the Board. Quorum-Min. 2 members MD A committee Chairman of SBI comprising DMD (A&S) From SBI, Govt. Nominee Director on The Board. QuorumMin.2 members. Board of Directors Central Board of Directors of SBI.
GM CGM
CGM MD
MD from amongst the Officers of ABs
Chairman of SBI
With a view to speeding up the disciplinary matters in respect of JMGS-I and MMGS-II officers, it has been decided to modify the authority structure and designate DGMs as mentioned below as the disciplinary authority for minor and major penalty proceedings subject to certain conditions.
Category of officers JMGS-I MMGS-II Minor Penalty Major Penalty
Disciplinary Authority
Authority to Impose penalty
Appellate Authority
Reviewing Authority
DGM * DGM *
DGM * GM(O) #
GM(O) CGM
CGM MD
(* - DGM of the zone for officers working in ROs, ZOs, other administrative offices in the zone and branches - DGM heading the Branch for officers working in DGM headed branches - DGM (P&HRD) for officers working in Head Office establishments) # While the Disciplinary Authority i.e. DGM will be vested with powers to decide nature of proceedings i.e. under minor/major penalty, punishment of major penalty will be imposed only by the Appointing Authority; i.e. GM (O) (in terms of regulation No.68 (1) (ii) of Officers Service Regulations). The existing authority structure for officers in MMGS-III and above would remain unchanged.
Revision in Passing Powers For Officers in Scale-I & Scale-II Circular No.GB/OPD/ 2 of 2006-2007 Dated: 28th June, 2006 The passing powers of officers in JMGS-I and MMGS-II in our Bank were last revised in 1992. It has now been decided to rationalize the structure of passing powers of officers in Scale-I & Scale-II. The Executive Committee, in their meeting dated 17th June, 2006 vide Agenda Item No. 741/D-10 have approved the revision in passing powers, for various categories of officers, in JMGS-I and MMGS-II posted as Branch Manager/Head of Division/Accounts/Officer-Incharge of extension-counter in the bank. The revised structure of passing powers given below shall come into force with immediate effect.
Passing Powers Structure for Officers in Scale-I & II Existing Passing Powers Cash Transfer
Officers in JMGS-I
Revised Passing Powers Cash Transfer Unlimited Unlimited Unlimited Rs.1.00 lac Unlimited Unlimited Unlimited Rs.4.00 lacs
Posted as Branch Manager Posted as Asstt. Manager (Accounts) Posted as Officer-incharge, Extension Counter Other officers Probationary Officer Group-C During training in supervisory functions Promoted under Group B Trainee Officers During training in supervisory functions Officers in MMGS-II Posted as Branch Manager Posted as Head of the Division Posted as Dy. Manager (Accounts) Other Officers i.e. Dy. Managers
Unlimited Unlimited Unlimited Rs.1.00 lac
Unlimited Unlimited Unlimited Rs.2.00 lacs
Rs.10,000/-
Rs.10,000/-
Rs.50,000/-
Rs.1,50,000/-
Rs.20,000/-
Rs.50,000/-
Rs.50,000/-
Rs.1,50,000/-
Unlimited Unlimited Unlimited Unlimited
Unlimited Unlimited Unlimited Unlimited
Other relevant points with regard to passing powers are as under :Passing powers as above relate only to debits. There shall be no limit for passing credit (cash or transfer) transactions. ii) These powers shall not mean financial powers for sanctioning loans/advances or expenditure. iii) These powers are distinct and different from signing and checking powers. Rationale :- Improvement in operational efficiency and better customer service. i)
Delegation of Administrative Powers Circular No. PER/PER/6/1 1-12 Date: 30 May 2011 Sr. No. 1 Area Extension in time limit for commencement of repayment of loan where the housing project is not completed within 18 months in case of construction of new house by a Govt. Institution / Semi Govt. agency / private builders / contractors Existing Authority Structure Where the houses are being purchased from Govt./Semi Govt. agencies viz. Housing Boards, Govt. Development authorities etc. i)On completion of 18 months cushion period, the cases where the construction of house is still incomplete extension for a period of 1 year may be permitted : Authority : GM(O) ii) Extension for another 1 year (Beyond 30 months) : Authority :CGM Authority : CGM Proposed Authority Structure
Extension upto 12 Months at a time DGM (Max three such concerned occasions ) Extension beyond 36 months of initial GM three Extensions concerned (12 months x 3 occasions)
Sanction of loans to employees/officers beyond 55 years of age Waiver of the condition that the house/flat to be acquired with additional housing loan should be bigger by 120 Sq. Ft.
GM concerned
Authority : GM(O)
DGM concerned
Operational/Line and Independent Line Assignments: Cir. No. PER/35/09-10 Date: 31 March 2010 NAME OF POST, AGM RASECC/RASMECCC/RACPC CM RASECC/RASMECCC/RACPC TEAM LEADER MPST RELATIONSHIP MANAGER ME PROC. OFFICER RCPC INSP. OFFICER RCPC CUSTOMER SUPPORT OFFICER SR. MARKETING EXECUTIVE CITY CASE OFFICER SARC CUSTOMER RELATION OFFICER RELATIONSHIP MANAGER PB SCALE V IV II/III III II/I II/I II/I II/I II/I II/I III TO QUALIFY FOR INDEPENDENT LINE ASSIGNMENT LINE ASSIGNMENT OPERATIONAL ASSIGNMENT INDEPENDENT LINE ASSIGNMENT OPERATIONAL ASSIGNMENT OPERATIONAL ASSIGNMENT OPERATIONAL ASSIGNMENT OPERATIONAL ASSIGNMENT OPERATIONAL ASSIGNMENT OPERATIONAL ASSIGNMENT OPERATIONAL ASSIGNMENT
Delegation of Administrative Powers in General Matters Cir No. PER 13/10-11 Date: 10 June 2010
Particulars Existing Structure i) Upto 180 days ( Cumulative) ii) Absence beyond 180 days and upto 360 days ( Cumulative) iii) Absence beyond 360 days and upto 720 days ( Cumulative) General Manager (Operations) Chief General Manager Proposed Structure i) Upto 180 days ( Cumulative) ii) Absence beyond 180 days and upto 360 days ( Cumulative) iii) Absence beyond 360 days and upto 720 days ( Cumulative) DGM(Op.)
S r
Sanction of Extraordinary 1. leave

(For Officers &Award Staff)
General Manager(Op.)
Managing Director
CGM
For restoration of seniority in respect of extra ordinary leaves in deserving cases, we do not propose any change in the existing structure, where CGM, MD and E.C. have been delegated the authority under cases i, ii and iii respectively Grant of Award Staff General Award Staff a) Posted in modules: DGM permission Manager 2 to apply for of Module b) All others: outside job DGM (Op.) under SBOP Officers upto Chief General Officers upto General (OSR)Scale III Manager Scale III Manager 1979-Reg CGM Officers in 51(I) scale IV&V Officers in scale IV & Managing Director Officers in scale VI & Managing Director
Above Above
1.
PLACING OF APPRECIATION/COMMENDATION LETTERS ETC., IN THE SERVICE FILES OF OFFICERS The authority structure for placement of appreciation letters/commendation certificates in personal files of officers is amended as under: For JMGS-I & MMGS-II & III Chief General Manager For SMGS-IV and above Managing Director (Memo No. Per/75 dt. 28.1.95) 2. REIMBURSEMENT OF TRAVELLING EXPENSES TO OFFICERS FOR USING THEIR OWN VEHICLES FOR OFFICIAL DUTY The competent authority for the purpose of Regulation 41 of SBOP (Officers) Service Regulations 1979 for allowing officers for using their own vehicle on official duty is as under: Officers in all Grades Serving at Branches Zonal Manager Zonal Offices Serving at Head Office 3. G.M.(Operations) G.M. Concerned (Cir. No. Per/91 dt. 23.1.91) PAYMENT OF HALTING ALLOWANCE ON DEPUTATION (a) The following authorities have been empowered to allow hal ting allowance to Supervising Staff for a continuous period exceeding 30 days: i) For period exceeding 30 days but not over 90 days General Manager concerned ii) For period exceeding 90 days Chief General Manager (b) It is clarified that the 'period' referred to above relates to the period of deputation at a particular branch/office. If such deputation is required beyond 30 days, the matter would require the approval of the General Manager concerned, irrespective of whether such deputation is broken up into smaller components of deputation of less than 30 days each. Instances have come to the notice where an officer who had been sent to the deputee branch is replaced by another officer before the expiry of 30 days resulting in non-reporting of such deputation to the General Manager Concerned. (c) Controlling authorities are advised that if deputation to a branch/office continues for a period beyond 30 days irrespective of the change of officers so deputed, the matter would require the approv al of the General Manager concerned. Likewise, if the period of deputation exceeds 90 days, it would require the approval of the Chief General Manager. Personnel Adm. letter No. Per - 7737 dt. 21.11.94 addressed to all controlling authorities
4. Principle approval for purchase of Brief Case, Grant of Mid Academic Year Transfer Allowance and Sanction of Personal Loans (OD limit) and Write off of mattresses & curtains at the officers residence where these have outlived their prescribed life: Area For officers posted at Brs. RO/ZO HO 1. Principle approval for Purchase of Brief Case i) Upto SMGS-V ii)Off icers in TEGS- VI 2. Granting of Mid academic year Transfer Allowance as per Rules i) Upto SMGS- V ii)Off icers in TEGS- VI Sanction of Person Loans (OD Limit) i) Upto SMGS- V ii)TEGS- VI Write off of mattresses & curtains (having outlived prescribed life) i) Upto SMGS- V ii) TEGS- VI CA GM DGM GM DGM* GM
DGM DGM GM GM
DGM* GM
3.
DGM DGM GM GM
DGM* GM
4.
DGM DGM GM GM
DGM* GM
*For staff posted at Head Off ice, the following DGMs will be the Sanctioning Authority:Departments under control of GM (P&D) Deptts. Under control of GM(O), CGM & MD Sectt. Departments under control of GM (Treasury) Departments under control of GM (V) Departments under control of GM (CB) Departments under control of GM (Tech) Foreign Department/IBD DGM (RRB) DGM (P&IR) DGM (F&A) DGM (Insp) DGM (Credit) DGM (CPP) DGM (FD)
(Cir.No.Per/1 dated 01.04.2005 & OPD/1 dated 22.04.2005)
4B. MISC. Delegation of powers relating to following subjects is as under: Area For officers posted at Brs. RO/ZO HO 1. Accumulation of leave beyond 240 days- upto 3 Months DGM DGM DGM 2. Medical Bills as per Schemei) Upto Rs.10000/ii) Above Rs.10000/iii)DGM Headed Branches 3. Membership of Clubs (i) Local Club/Banker Club (ii) Social Club/Professional Club Extension of LFC (Maximum 3 months) Sanction of HRA On capital cost DGM headed branches 6. AGM AGM DGM(P&H) DGM DGM DGM(P&H) GM GM GM
DGM DGM GM GM
DGM GM
4.
DGM DGM
DGM
5.
CA
CA
DGM ---
DGM ---
Purchase of Brief Case At DGM headed branches DGM ----Note: i) For staff posted at Head Office, except Foreign Deptt., the following DGM.s will be the sanctioning authority except for Medical Bills: Departments under control of GM (P&D) DGM (RRB) Deptts. Under control of GM(O), CGM Sectt.& MD Sectt. DGM (P&H) Deptts. Under the control of GM (Treasury) Deptts. Under the control of GM (V) Deptts. Under the control of GM (CB) Deptts. Under the control of GM (Tech/Insp) Foreign Department/IBD DGM (F&A) DGM (P&H) DGM (CAD) DGM(CPP)/(Insp) DGM (FD)
ii) In case of DGMs, the sanctioning authority will be the concerned General Manager. (Cir.No.Per/7 dated 26.04.2005)
Others:Promotion policy for promotions to MMGS -II, III, SMGS-IV & V for the year 2001 and onwards. (Cir. No. Per/26 dt. 4.7.2001) Revised Promotion Appraisal forms. (Cir. No. Per/34 dt. 22.8.2001) Compilation & Review of Confidential Reports. (Cir. No. Per/37 dt.
4.10.2001)
Competent Authority for supply of Furniture/Fixture to eligible officers Zonal Heads - for those working in branches/Regional/Zonal Offices and AGM (Premises and Estate) for those working in H.O. (Cir. No. Per/68 dt. 15.12.99)
STATEMENT SHO WING TH E COMPETENT AUTHORIT IES DESIGNATED FOR T HE PURPOSE OF ADMINISTRATION OF THE OFFICERS' SERVICE REGULATIONS 1 979
_________________________________________________________________________________________________________ For the purpose of Subject matter covered Competent Authority/Functionaries to whom Regulations by the Regulation authority may be delegated _________________________________________________________________________________________________________ (1) (2) (3) _________________________________________________________________________________________________________ 5. Granting of annual grade Increments (i)Officers in Junior Management Grade Scale I and Middle Management Grade Scale II Serving at branches:Controlling authority i.e. Regional Manager/Zonal Manager/GMO Serving at Zonal Offices: Zonal Manager Serving at Head Office:General Manager concerned (ii)Middle Management Grade Scale III Serving at Branches & Regional Offices:General Manager(Op) Serving at Head Office (iv)Top Executive Grade: General Manager concerned Managing Director (iii)Senor Management Grade: Chief General Manager Note : In respect of officers in Junior Management Grade Scale I Efficiency Bar will be imposed only with the approval of the Chief General Manager. 6. Categorisation of Posts (i)Posts in Junior Management & Middle Management Grades:Chief General Manager (ii)Posts in Senior Management Grade Scale IV: Managing Director Posts in Senior Management Grade Scale V and Top Executive Grade Scale VI and VII : 15. Stipulation or/Reduction in/dispensing with the period 16. Confirmation or otherwise of officers (i) (ii) Executive Committee Junior Management and Middle Management Grades Senior Management Grade Scale IV Managing Director Chief General Manager
(iii) Senior Management Grade Scale V and Top Executive Grade Scale VI & VII 20. (2) Permission to resign without a notice or forfeiture of security deposit or payment in lieu of notice or reduction in notice period. Executive Committee
39. Recall to duty
(a) Officers in Junior Management & Middle Management Grades (i) Serving at branches: controlling authority viz. Regional Manager/Zonal Manager/Gen. Manager (Operations) (ii) Serving at Zonal Office: Zonal Manager (iii) Servingat Head Office:General Manager concerned (b) Officers in Senior Management Grade: Chief General Manager (c) Officers in Top Executive Grade: Managing Director
41. Permission to travel by AC First Class or Air
Officers in All Grades (i) (ii) Serving at Branches and Zonal Offices Zonal Manager/ General Manager (Op)
Serving at Head Office: General Manager concerned
45. Determing the period of taking over charge of new post for purpose of claiming Halting Allowance Manager. 48. Non-admission of an officer to the bank's Provident Fund Grades:Chief General Manager
General Manager (Operations), where period exceeds 30 days with the permission of the Chief General (i) (ii) Junior Management & Middle Management Senior Management & Top Executive Grades Senior Management Grade Scale IV: Managing Director Senior Management Grade Scale V and Top Executive Grade Scales VI & VII : Executive Committee
51. (1) Permitting an employee to engage directly or indirectly in any trade or business or to undertake any other employment while in service 51. (2) Receiving report from an employee in case any member (i) of his family is engaged in any trade or business or owns or manages an insurance agency or commission agency (ii)Officers serving at Zonal offices: Zonal Manager Officers serving at branches:Controlling authority viz. Regional Manager/Zonal Manager General Manager (Op) Chief General Manager
(iii) Officers serving at Head Office: General Manager concerned 51. (3) Permitting an employee to take part in the registration, promotion or management of a Bank or other Company which is required to be registered under the Companies Act, 1956 or any other law for the time being in force or any co-operative society for commercial purposes. 51. (4) Permitting an employee to accept fees for any work Done for any public body or any private person (i) :Managing Director Officers serving at branches Authority viz. General Manager (Op.) (ii) Officers serving at Zonal Offices: Zonal Manager (iii) Officers serving at Head Office Chief General Manager Controlling
Regional Manager/Zonal Manager/
51. (6) Permitting an employee to make public or publish or cause to be published or pass on to others any documents or information. 52. (2) Granting permission to an employee to allow his son, daughter or any other member of his family to accept employment in any private undertaking which is obliged to the Bank through his official dealings or any other under-taking which to his knowledge is obligated to the Bank. 54. (1) Permitting an employee to give evidence in connection with an enquiry conducted by any person, committee or authority. (ii) (i) Officers serving at branches:Controlling Authority viz. Regional Manager/Zonal Manager/GM(Op) Chief General Manager Managing Director
Officers serving at Zonal Offices: Asstt. General Manager (iii) Officers serving at Head Office : General Manager Concerned
55. (1) Permitting an employee to receive complimentary or valedictory addresxs or accept any testimonial honour or in the honour of any other employees of the Bank.
(i)
Officers serving at branches: Controlling Authoroty viz. Regional Manager/Zonal Manager
(ii)
Officers Serving at Zonal Offices: Zonal Manager
(iii) Officers Serving at Zonal Offices: General Manager Concerned 56. (2) Receiving report from an employee & (3) regarding acceptance of gifts by him from his own relative s or personal friends who are not obligated to the Bank through financial dealings with him. (ii) (i) Officers serving at branches:Controlling Authority viz.Regional Manager/Zonal Manager/ General
Officers Serving at Zonal Offices: Asstt. General Manager
(iii) Officers serving at Head Office: General Manager Concerned 56. (4) Permitting any employee to accept any gift from any other person 59. (5) Permitting an employee to give guarantee in his private capacity in respect of the pecuniary obligation of another person or to agree to indemnify another person from loss. 60. (1) Permitting an employee to draw his salary in advance of the date on which it is payable. 60. (3) Permitting an employee to accept contribution or otherwise associate himself with the raising of any funds or other collections in cash or in kind. General Manager Concerned (i) Officers in Junior Management and Middle Management Grades (ii) Officers in Senior Management Grade (iii) Officers in Top Executive Grade Chief General Manager Managing Director General Manager concerned
60. (4) Permitting any employee to canvass for membership or collect dues or subscription or carry on any activity in connection with an association, union or other organisation during office hours or with in the premises of the Bank. 62. (3) Receiving intimation in writing from an employee before he acquires/disposes of any immovable property by lease, mortgage, purchase, sale, gift or otherwise either in his own name or in the name of a member of his family. (ii) Officers serving at Zonal Offices (iii)Officers serving at HeadOffice: General Manager concerned 62. (4) Receiving reports of transactions concerning movable property owned or held with in his own name or in the name of a member of his family in case the value of the property exceeds Rs. 2500. 64. (1) Permitting an employee to enter into or contract marriage with a person having a spouse living or permitting an employee having a spouse living to enter into or contract a marriage with any person and receiving intimation from an employee who marries a person other than a person of Indian nationality. 69. (7) (i) Sanctioning subsistence allowance to an employee places under suspension. (ii) (i) Officers in Junior Management & Middle Management Grades Officers in Senior Management Grade & above. 72. Permission to accept a job in private sector concerns after retirement Officers in the Junior Management & Middle Management Grades. Officers in the Senior Management Grade Scale-IV Officers in the Senior Management Grade Scale V & Top Executive Grade Scales VI & VII 19. Grant of extension in Service Executive Committee Managing Director Chief General Manager Managing Director Chief General Manager Chief General Manager (i) Officers serving at branches Controlling Authority viz. Regional Manager Zonal Manager General Manager (Op.) Zonal Manager General Manager Concerned
(i) Junior Management and Middle Management Grades: Chief General Manager (ii) Senior Management Grade Scale IV Scale V and Top Management Grade Scale VI & VII (Cir. Nos. Per/79 dt. 5.10.1984 & OPD/Gen/34 dt. 16.10.1987) Managing Director Common Director Committee
(iii) Senior Management Grade Directors Committee/
Bringing Political or Outside Influence: As per Regulation 57 of SBOP (Officers) Service Regulations 1979, No officer shall bring or attempt to bring any political or other outside influence including that of individual directors or members of the Board to bear upon any superior authority to further his own interest in respect of matters pertaining to his service in the Bank It follows that if an officer of the Bank attempts to bring such influence, it amounts to violation of the above service rule and can be termed as misconduct, vide Regulation No.66, which states as under:A breach of any of the provisions of these rules shall be deemed to constitute misconduct punishable under Regulation No. 67. (Cir.No.Per3 dated 03.05.2006)
**********
Though every effort has been made to update various instructions, readers are requested to refer latest circulars on each subject. -Chaman Singla -Rajiv Sirhindi

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IMPORTANT INSTRUCTIONS USEFULL FOR THE OFFICERS NOTE 1.

Rs 900/-+ 65+ HRA*

SMGS-IV SMGS-V TEGS-VI TEGS-VII

Rs 1000/-+ 72+ HRA* Rs.1100\-+ 79+HRA* Rs.1200\-+ 86+HRA* Rs.1300\- +94+HRA*

(Cir.No.Per/15 dated 29.06.2005) Project Area Allowance (W.E.F. 1.11.2007)

HOUSE RENT ALLOWANCE Entitlement:

HRA and Income Tax Deductions from Salary:

City Compensatory Allowance

CHAPTER- 4 PERQUISITES ADMISSIBLE TO OFFICERS

3. The reimbursement of hospitalisation expenses will be restricted to the following charges:

Sr. No. 3.1

(a) Hospital Registration Fees

Diagnostic material charges, X-rays, Pathological tests, ECGs, etc.

Physicians and Consultants fees per visit:

Rs. per visit

Rs. per visit 130/70/-

First Consultation Subsequent Consultations

In case of emergency leading to Hospitalisation Second Consultation Subsequent Consultations

VISIT MADE BY SPECIALISTS AT THE HOSPITAL:- SPECIAL VISIT

110 80 75 75 85 35 35 95 175 175 165 50 45 45 80 105 95 225 150

165 220 75 400 280

110 110 190 190 110

1320 1570 2750 4400 5500 7200

150 155 760 870 560 435 580 115 60 115 95

100 100 165 110 240

100 100 155 140 115

Annexure II OPERATION CHARGES

Rs. Special Operation

Rs. Major Operation

Centres Major A class cities ---do--Other cities

12.Do you smoke:

13.Any soreness of mouth or tongue: 14.Are the teeth normal: Yes/No

Quantity____________ How much___________ Yes/No Dentures: Yes/No

Any vaginal discharge: Yes/No

Yes/No Yes/No ____________ ____________ How Long______ Which propn.____________ Signature________________

RESIDENTIAL ACCOMMODATION Regulations

Population 7.50 lacs & above(Rs.)

2 lacs to less than 7.50 lacs Rs.

C Other centres Rs. 4100 4400 4900 5200 5900 NA NA NA 300

20000 20000 25000 30000 35000 60000 65000 1000 1250

10100 10800 11100 12100 12800 18900 24300 600 925

5800 6200 6500 6900 7500 13000 18200 300 625

* Kolkatta, Chennai, Ahmedabad, Banglore, Hyderabad

- Advance rent for leased accommodation for 10 months at Mumbai

Signature of owner (s) verified

(xiii) Sister (including step-sister) of the spouse.

Yamunanagar Haryana Rohtak Haryana

Chandigarh Bathinda Chandigarh Chandigarh Chandigarh Bathinda Patiala Patiala Bathinda

Punjab Bathinda Himachal Pradesh Chandigarh

ANNEXURE B The Branch Manager/Department Head, State Bank of Patiala ______________________

Flat/House No. ........................................ ..... ........................................ ..... ........................................ .....

provided to me and re covered/adjusted from my salary accordingly.

Yours faithfully, Place : Date : (Name of the officer) (Designation/Grade/Scale)

FORMAT FOR SANCTION OF STANDARD RENT

Recommended for sanction

COMPUTATION OF STANDARD RENT FOR ACCOMMODATION HIRED BY THE BANK

Sq.m. Sq.m. Sq.m. Sq.m. Sq.m.

Coimbetore (Per/41 dated 23.2.1999)

PROVISION OF FURNITURE & FIXTURES AT RESIDENCES

15,000 Included in the ceiling

OTHER ITEMS AVAILABLE :

Reimbursement of disinfecting Material

Repair\Replacement of Invertor Battery Rs.9000/- once in 3 yrs (Per\22 dt.19.02.09

Quantity__ How much_ Yes/No Dentures: Yes/No

Yes/No Yes/No How Long Which propn. Signature______

_ ____ _ ___

Signature_______ Name_ Address:_ __________________

Signature_______ Name_ Address:_ __________________