സ്ത്രീകള്‍ എങ്ങിനെ വസ്ത്രം ധരിക്കണം എന്ന് പുരുഷന്‍ നിഷ്ക്കര്‍ഷിക്കുന്നത് ശരിയോ? അല്ലെങ്കില്‍ തിരിച്ചും?

Saturday, October 29, 2011

Settlement of Savings Banks Claims - Revised Procedures

Types of Claims

  • WITH NOMINATION
  • WITH OUT NOMINATION / LEGAL EVIDENCE
  • WITH LEGAL EVIDENCE
  • NORMS FOR SETTLEMENT OF CLAIMS


7 days from the date of Receipt

WITH NOMINATION CLAIMS

What the customer should present?
  • Claim Application – SB 30
  • Death Certificate – in original
  • Passbook
  • Copy of ID Proof and address proof of the claimant(s)

WITHOUT NOMINATION/ LEGAL EVIDENCE

What the customer should present?
  • Claim Application – SB 30
  • Death Certificate – in original
  • Passbook
  • Letter Indemnity ( signed by the claimant(s) and Suritie(s) and attested by the Notary Public)
  • Affidavit (Executed before Oath Commissioner)
  • Letter of disclaimer on Affidavit (Executed before the Oath Commissioner)
  • Copy of ID Proof and address proof of the claimant(s)

With legal evidence
  • What the customer should present?
  • What the customer should present?
  • Claim Application – SB 30
  • Death Certificate – in original
  • Passbook
  • Legal evidence in original or certified copies or attested copies with original (Original will be returned after verification)
  • Copy of ID Proof and address proof of the claimant(s)
Powers for Sanction of claims (with nomination)


(SB/TD/PPF)

RD/ MIS

SCSS

Time Scale SPM
1000
Cl III SPM
Cl II SPM – 1000
Cl I SPM – No limit
No limit
LSG Norm based
2000
No limit
No limit
SPM/DPM/PM in HSG (Non Gazetted)
SPMs - 5000
PMs – No limit
No limit
No limit
DPM/Sr., PM/Dy., Chief PM/SPOs (All Gazetted Gr.B)
No limit
No limit
No limit
Chief PM/ SSPOs (Gazetted Gr.A)
No limit
No limit
No limit
Regional Director/ Director in GPO
Need not be referred to.
Need not be referred to.
Need not be referred to.
CPMG/ PMG
Need not be referred to.
Need not be referred to.
Need not be referred to.

Without nomination

(SB/RD/TD/MIS/ SCSS)
Time Scale SPM
1000
LSG Norm based
2000
SPM/DPM/PM in HSG (Non Gazetted)
5000
DPM/Sr., PM/Dy., Chief PM/SPOs (All Gazetted Gr.B)
20000
Chief PM/ SSPOs (Gazetted Gr.A)
50000
Regional Director/ Director in GPO
75000
CPMG/ PMG
100000

With legal evidence

Time Scale SPM
1000
LSG Norm based
2000
SPM/DPM/PM in HSG (Non Gazetted)
SPM – 5000
PM - No limit
DPM/Sr., PM/Dy., Chief PM/SPOs
(All Gazetted Gr.B)
Need not be referred to.
Chief PM/ SSPOs (Gazetted Gr.A)
Need not be referred to.
Regional Director/ Director in GPO
Need not be referred to.
CPMG/ PMG
Need not be referred to.
Death certificate
  • Issued by Municipality/ local bodies, Hospital, Police station in prescribed form
  • When death occurs in a place where none of the above said authorities exist, a certificate of death in original form a Gazetted Officer, a MP/ MLA/ Panchayat Officer/ Village Police Patel may be submitted
  • Certificate from last employer/ Doctor/ Hakkim who last attended the deceased if BAL < 250
  • Certificate of death issued by Parsee panchayat, Burial Certificate issued by Church authorities may be accepted if certificate can not be had from Municipality/local body/ Hospital etc.,

CHECK LIST FOR SANCTION OF CLIAM :

• Account Particulars are correct and verified with our records ( Account No., Name of Depositor, Balance, Nominee name if any., etc.,)
• BPM/SPM/PM/Sr., PM has accepted the two witnesses in the claim application
• ID Proof and address proof submitted
• Death Certificate in original submitted
• Legal evidence is submitted (if No Nomination exist and claim exceeds 1 lakh)

or

• Annexure viz., (if No Nomination and No legal evidence)
• Letter of Indemnity – signed by claimant and suritie(s) attested by Notary public
• Affidavit – executed before the Oath Commissioner
•Letter of disclaimer on affidavit – executed before the Oath Commissioner

PROCEDURE :
• Receipt of claim application should be acknowledge on the same day
• Sanction the claim if satisfied with the above check list if you are competent
• Otherwise forward on the same day to the competent authority by Insured post
• Pay the amount by getting the acquittance on the claim application
• Preserve a copy in claim file and forward the original as voucher to the HO / SBCO
• If the claim is to be sanctioned by any other administrative authorities other than the Postmaster, then the sanction will be issued separately and the PM concerned will sign in the claim for by attaching a copy of sanction.

All payment should be made by cheque irrespective of amount

Special Procedure of claims :
Claim Closure without PB
– refer the case to the Head of the Division
– If permitted, get an application from the claimant to do so
– Attach it with the warrant of payment
– Make remarks in Ledger and other records


• Payment to Minor claimants –
– to the person appointed in the nomination to receive it.
– Where no nomination exist, Guardian (Father or Mother or a person entitled under law when neither parent is alive)
– Certificate to be furnished by the Guardian that the minor is alive and the money is required on behalf of the minor.

• Transfer of account to the name of the claimant
– RD and TD account can be continued by the claimant till maturity
– Separate Form 1/ SB 3 card/ SS will be given by the claimant

Necessary remarks will be entered in the concerned remarks

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