| Question No 1 to 175 : View /Down Load Q176 Honorarium can be paid for the works related with calculation of Tax The above said statement is a. True b. false |
| Q177 if a Government servants accepts honorarium in respect of broadcast on all India Radio Then whether prior sanction is required or not ? a. Not Required b. Required |
| Q178 When a government servant working as an arbitrator in a dispute between his department and private party he -------- granted honorarium a. should not be b. Should be |
| Q179 When a government servant working as an arbitrator in a dispute between Ministry/department other than the one in which he is working can receive --------------- a. Honorarium b. Special Allowance c. None of these |
| Q180 The official Languages Act was formed a. 1963 b. 1976 c. 1954 |
| Q181 If enquiry officer is not submit or handed over the case records and inquiry report to disciplinary authority then payment of honorarium can be made . The above statement is a. True b. False |
| Q182 From the following duties which are not entitled for honorarium ? a. Valuation of Examination b. Duties related with calculation of interest . c. Duties related with extra time |
| Q183 If a Government servant is coming and delivering the lectures/talks in training programmes, Then in what condition is applicable for getting honorarium to that official a. Government servant claim only TA b. Government Servant claim TA and DA c. No honorarium granted for such work |
| Q184 Whether it was justifiable to grant deputation allowance when the officer held only the additional charge of the ex cadre post a. No b. Yes. |
| Q185 When an officer holds additional charge of a sanctioned post , the administrative Ministries may grant additional remuneration as prescribed for a maximum period of ------------- months a. Six b One c. Three |
| Q186 Subsistence Allowance is related with ---------- a. Pay and allowance to governments servant who have under Suspension b Special Allowance to government servant who have removed from service c. Remove from Service |
| Q187 The amount of subsistence allowance may be increased or decreased subject to some condition The above said statement is a. True b. False |
| Q188 From the following situation which is applicable to with held the subsistence allowance a. Suspension period exceeding three months b. specific order from appointing authority c. The Government Servant does not furnish certificate that he is not engaged in any other employment |
| Q189 Contribution under health scheme can be reduced from subsistence allowance Then it is called as a. Compulsory deduction b. Optional Deduction c. None of these |
| Q190 From the following deduction , which deduction from subsistence allowance is needed prior consent from suspended employee a. Deduction related with income tax b. Repayment of loans and advance taken from government c. Deduction related with PLI premium |
| Q191 From Subsistence allowance the employer can deduct GPF subscription The above mentioned statement is a. True b,False |
| Q192 The government servant is under suspension and he is not vacate free quarter . What action should be taken in such condition a. issue order to vacate from licence fee free accommodation b issue order to charge the licence fee for free accommodation c. None of these |
| Q193 From the following situation which is considered as deemed to suspension of government servant a. A Government Employee is under police custody on a Criminal charge exceeds 48 Hours b A Government Employee is under police custody on a Criminal charge exceeds 24 Hours C. A Government Employee is under police custody on a Criminal charge exceeds 12 Hours |
| Q194 if a Government Servant granted extension of service , then he is ---- to promoted to another post during the period of extension a. Not Eligible b. Eligible |
| Q195 From which department obtain sanction to change of date of Birth of a Government Servant who are working in the Indian Audit and Accounts a. Audit Department b. Concerned Ministry c. Comptroller and Audit - General |
| 196 is any specific order is necessary for retirement of due date a. No b. Yes |
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Thursday, July 21, 2011
Model Question Paper for IPO from FRSR Part I (Q176 -196)
Project ‘SANGAM’ for Defence Pensioners Launched
Ministry of Defence
Project ‘SANGAM’ for Defence Pensioners Launched
Controller General of Defence Accounts (CGDA) Shri Nand Kishore recently launched a software project ‘SANGAM’ for defence pensioners in a function at its headquarters at Delhi Cantonment. Speaking on this occasion, Controller General of Defence Accounts mentioned that the project ‘SANGAM’ will provide useful Management Information System (MIS) to the financial planners in the Ministry of Defence.
Project ‘SANGAM’ is a software which will facilitate issuance of corrigendum pension payment orders. This will address the demand from the ex-servicemen for issue of individual corrigendum pension payment order consequent to implementation of recommendations of Sixth Central Pay Commission (6th CPC).
This software project is one step forward from the project ‘SUVIGYA’ which was launched in October last year on the occasion of Defence Account Department Day and is very popular among defence pensioners.
The pension payment orders to be issued using ‘SANGAM’ software will be a special corrigendum pension payment system which will contain all the basic details of original pension payment order. It will also have details of family pension, disability pension and any other type of pension available to a pensioner. The new corrigendum pension payment order is unique in the sense that it gives new ID to each pensioner which will be helpful in readily accessing all data relating to a pensioner.
There are about 18 lakh defence pensioners who will be benefitted with the launch of project ‘SANGAM’ in the long run. It will also help in grievance redressal of pensioners with regard to the correctness of payment of pension.
The software has been developed in house by a team of officers from IT wing of Controller General of Defence Accounts, headed by Shri Murli Krishnan, Sr ACGDA (IT).
Source: PIB & http://90paisa.blogspot.com/
OUTSTATION ALLOWANCE (OSA) FOR RMS STAFF- REVISION OF RATES THEREOF
No. D.G. Posts No. 28.2/2010-D dated 19.7.2011
The outstation allowance payable to the RMS Staff was last revised vide Directorate Memo no. 50-1/98-D dated 08.03.1999 and was under consideration at this Directorate for further revision in the wake of revised DA rates recommended by the 6th Central Pay Commission.
2. It has been decided to revise upwards the Outstation Allowance payable to the RMS Staff for a period of absence on duty from their headquarters exceeding six hours at the following rates:
i) Multi task Staff (Gr. D) Rs. 27.50
ii) Mail Guard Rs.27.50
iii) Head Mail Guard Rs.29.70
iv) Sorting Assistants Rs.29.70
v) LSG SA Rs.31.50
FOR EVERY SIX HOURS OR PART THEREOF |
3. The revised Outstation allowance rates would be applicable with restrospective effect from 01.09.2008.
4. This issues with the concurrence of IFW vide Diary No. 64/FA/11/CS dated 15.07.2011 and approval of Secretary (Posts)
Courtesy : http://nfpe.blogspot.com/
View the Original Order Below
CBDT's FAQs ON EXEMPTION FROM FILING OF INCOME-TAX RETURN
What is the purpose of this notification and who are proposed to be exempted from the requirement of filing of the return?
1. The primary objective of this notification is to exempt those salaried taxpayers from the requirement of filing income-tax returns, who have (i) total income not exceeding Rs. 5,00,000, and (ii) the total income consists only of income chargeable to income-tax under the head 'Salaries' and interest income from savings bank account if such interest income does not exceed Rs. 10,000.
Further, such salaried taxpayer would be eligible for exemption from filing a return of income only if tax liability has been discharged by the employer by way of Tax Deducted at Source (TDS) and the deposit of the same to the credit of the Central Government. For this purpose, taxpayer has to intimate his interest income to the employer during the course of the year.
For Example -
(i) If an individual has salary income of Rs. 4,90,000 and interest income from savings bank account not exceeding Rs. 10,000 (which has been reported to the employer and tax has been deducted thereon), then the taxpayer would be exempt from the requirement of filing income-tax returns since the total income from both the above sources does not exceed five lakh rupees.
(ii) A taxpayer having salary income of Rs. 4,98,000 and interest income from savings bank account of Rs.2,000 (which has been reported to the employer and tax has been deducted thereon), would also be eligible under this Scheme.
(iii) A taxpayer having salary income up to Rs. 5,00,000 and nil interest income would also be eligible under this Scheme.
(iv) A taxpayer having salary income of Rs. 5,50,000, interest income from savings bank account of Rs.8,000(which has been reported to the employer and tax has been deducted thereon), and who has claimed deduction of Rs. 70,000 under section 80C (on account of certain payments/investments/savings) would also be eligible under the Scheme.
(v) A taxpayer having salary income of Rs. 6,10,000, interest income from savings bank account of Rs.10,000 (which has been reported to the employer and tax has been deducted thereon), and who has claimed deduction of Rs. 1,00,000 under section 80C (on account of certain payments/investments/savings), a deduction of Rs. 20,000 under 80CCF (Infrastructure Bonds) and a further deduction of Rs. 15,000 under section 80D (Health Insurance Premium) would also be eligible under the Scheme.
Whether a salaried taxpayer having total income of less than Rs. 5,00,000 and claiming a refund of Rs.3,000 would be eligible under this Scheme
2. No. The taxpayer has to file a return of income for making a claim of refund.
Is having a valid PAN a precondition for being covered by the notification?
3. Yes. The notification clearly specifies that the individual has to report his PAN to the employer. Hence having a valid PAN is a precondition for falling within the ambit of the notification.
Can an individual who is getting income under the head "salaries" from more than one employer take benefit of the notification?
4. No. A salaried taxpayer who has earned income from more than one employer during the financial year is not covered under this Scheme.
Whether this notification would also cover taxpayers having 'loss from house property', which are often reported by the employees to the employer.
5. No. Under the existing procedure, DDO/employer can give credit to the employee for a claim for loss under the head "income from house property" under section 24 made by the employee. As a result, a salaried employee's total income may reduce to less than Rs. 5,00,000 as loss from the head "income from house property" would have been set-off against salary income. Such a taxpayer is not exempted from filing his return of income as the notification exempts only cases where the total income is under the head "salary" and from savings bank account (income from other sources) not in excess of Rs. 10,000. If the taxpayer has any loss under the head "income from house property", he will not be eligible for exemption from filing a return of income.
Does savings bank account include other banking accounts like fixed deposits or recurring deposits accounts?
6. No. The benefit of the notification is available to taxpayers whose interest income comprises of interest earned on savings bank account ONLY.
Circular No. 8/2010, dated 13-12-2010 which is applicable for Assessment Year 2011-12 stipulates that the Drawing and Disbursing Officer (DDO)/Employer while deducting TDS from salary of an employee cannot allow deduction u/s 80G except donations made to the Prime Minister's Relief Fund, the Chief Minister's Relief Fund or the Lt. Governor's Relief Fund. Whether the notification would cover only these cases?
7. Yes. An individual cannot avail the exemption under this notification if the claim of deduction for donations under section 80G is for donations other than those mentioned in Circular No. 8/2010. A taxpayer has to file a return of income for making a claim in respect of claim of deduction under section 80G for such donations (not specified in Circular No. 8/2010).
Will a salaried individual having agricultural income, which is exempt from tax, be covered within the ambit of the notification?
8. A salaried individual with agricultural income exceeding five thousand rupees shall be out of the ambit of the notification. A return will have to be filed in such a case, even if other conditions of the notification are satisfied as the agricultural income (of more than Rs. 5,000) has to be included, for rate purposes, in the total income.
1. The primary objective of this notification is to exempt those salaried taxpayers from the requirement of filing income-tax returns, who have (i) total income not exceeding Rs. 5,00,000, and (ii) the total income consists only of income chargeable to income-tax under the head 'Salaries' and interest income from savings bank account if such interest income does not exceed Rs. 10,000.
Further, such salaried taxpayer would be eligible for exemption from filing a return of income only if tax liability has been discharged by the employer by way of Tax Deducted at Source (TDS) and the deposit of the same to the credit of the Central Government. For this purpose, taxpayer has to intimate his interest income to the employer during the course of the year.
For Example -
(i) If an individual has salary income of Rs. 4,90,000 and interest income from savings bank account not exceeding Rs. 10,000 (which has been reported to the employer and tax has been deducted thereon), then the taxpayer would be exempt from the requirement of filing income-tax returns since the total income from both the above sources does not exceed five lakh rupees.
(ii) A taxpayer having salary income of Rs. 4,98,000 and interest income from savings bank account of Rs.2,000 (which has been reported to the employer and tax has been deducted thereon), would also be eligible under this Scheme.
(iii) A taxpayer having salary income up to Rs. 5,00,000 and nil interest income would also be eligible under this Scheme.
(iv) A taxpayer having salary income of Rs. 5,50,000, interest income from savings bank account of Rs.8,000(which has been reported to the employer and tax has been deducted thereon), and who has claimed deduction of Rs. 70,000 under section 80C (on account of certain payments/investments/savings) would also be eligible under the Scheme.
(v) A taxpayer having salary income of Rs. 6,10,000, interest income from savings bank account of Rs.10,000 (which has been reported to the employer and tax has been deducted thereon), and who has claimed deduction of Rs. 1,00,000 under section 80C (on account of certain payments/investments/savings), a deduction of Rs. 20,000 under 80CCF (Infrastructure Bonds) and a further deduction of Rs. 15,000 under section 80D (Health Insurance Premium) would also be eligible under the Scheme.
Whether a salaried taxpayer having total income of less than Rs. 5,00,000 and claiming a refund of Rs.3,000 would be eligible under this Scheme
2. No. The taxpayer has to file a return of income for making a claim of refund.
Is having a valid PAN a precondition for being covered by the notification?
3. Yes. The notification clearly specifies that the individual has to report his PAN to the employer. Hence having a valid PAN is a precondition for falling within the ambit of the notification.
Can an individual who is getting income under the head "salaries" from more than one employer take benefit of the notification?
4. No. A salaried taxpayer who has earned income from more than one employer during the financial year is not covered under this Scheme.
Whether this notification would also cover taxpayers having 'loss from house property', which are often reported by the employees to the employer.
5. No. Under the existing procedure, DDO/employer can give credit to the employee for a claim for loss under the head "income from house property" under section 24 made by the employee. As a result, a salaried employee's total income may reduce to less than Rs. 5,00,000 as loss from the head "income from house property" would have been set-off against salary income. Such a taxpayer is not exempted from filing his return of income as the notification exempts only cases where the total income is under the head "salary" and from savings bank account (income from other sources) not in excess of Rs. 10,000. If the taxpayer has any loss under the head "income from house property", he will not be eligible for exemption from filing a return of income.
Does savings bank account include other banking accounts like fixed deposits or recurring deposits accounts?
6. No. The benefit of the notification is available to taxpayers whose interest income comprises of interest earned on savings bank account ONLY.
Circular No. 8/2010, dated 13-12-2010 which is applicable for Assessment Year 2011-12 stipulates that the Drawing and Disbursing Officer (DDO)/Employer while deducting TDS from salary of an employee cannot allow deduction u/s 80G except donations made to the Prime Minister's Relief Fund, the Chief Minister's Relief Fund or the Lt. Governor's Relief Fund. Whether the notification would cover only these cases?
7. Yes. An individual cannot avail the exemption under this notification if the claim of deduction for donations under section 80G is for donations other than those mentioned in Circular No. 8/2010. A taxpayer has to file a return of income for making a claim in respect of claim of deduction under section 80G for such donations (not specified in Circular No. 8/2010).
Will a salaried individual having agricultural income, which is exempt from tax, be covered within the ambit of the notification?
8. A salaried individual with agricultural income exceeding five thousand rupees shall be out of the ambit of the notification. A return will have to be filed in such a case, even if other conditions of the notification are satisfied as the agricultural income (of more than Rs. 5,000) has to be included, for rate purposes, in the total income.
Courtesy : http://tkbsen.blogspot.com/
SBI Loan For Pensioners and Family Pensioners
LOAN TO AFFLUENT PENSIONERS:
A new scheme “SBI Loan to Affluent Pensioners” is formulated to match the requirements and higher repayment capacity of those with higher salaries and pensions The salient features of “SBI Loan to Affluent Pensioners” scheme are as under:-
(1) Eligibility:
(a) Pensioners :
(i) All Central, State Government pensioners and SBI Pensioners whose pension accounts are maintained by our branches.
(ii) Pensioners whose pensions are disbursed by Govt. Treasuries by cheques drawn in favour of our branches as per mandate of the pensioner are also eligible subject to condition that pensioner should not be more than 72 years of age
(b) Family Pensioners: Family pensioner, i.e. spouse authorized to receive pension after the death of the pensioner, subject to condition that family pensioner should not be more than 65 years of age.
(2) Loan Amount:
(a) Pensioners : Maximum of 12 months net pension with a ceiling of Rs.3.00 lac
(b) Family Pensioners : A maximum of 9 months net family pension with a ceiling of Rs.1.50 lacs In no case the EMI should be more than 25% of the net pension drawn by the family pensioner.
(3) Collateral Security :
(a) Pensioners : Third party guarantee (TPG) of the spouse eligible for family pension. In the absence of the spouse, TPG of any other family member or a third party worth the loan amount.
(b) Family Pensioners : Third party guarantee of a person who has been maintaining a satisfactorily conducted account with the bank, preferably of the son/daughter of the family pensioner.
(4) Repayment Period : In EMIs commencing from the pension payable one month after disbursal of loan. Installment is deducted at the time of payment of pension:
(5) Pensioners will have to submit their PAN Number or Form 15H before availing loan under this scheme.
(6) Processing Fees : Nil
(7) Margin : Nil
Interest rates
SBI CAREER LOAN
(Base Rate 9.50 % w.e.f. 11.07.2011)
(In case interest is paid during the course period a rebate of 0.50% will be admissible, only during the moratorium period)
NOTE: ALL INTEREST RATES ARE SUBJECT TO CHANGE, WITHOUT NOTICE.
For more details contact your nearest SBI Branch.
Courtesy : http://90paisa.blogspot.com/
A new scheme “SBI Loan to Affluent Pensioners” is formulated to match the requirements and higher repayment capacity of those with higher salaries and pensions The salient features of “SBI Loan to Affluent Pensioners” scheme are as under:-
(1) Eligibility:
(a) Pensioners :
(i) All Central, State Government pensioners and SBI Pensioners whose pension accounts are maintained by our branches.
(ii) Pensioners whose pensions are disbursed by Govt. Treasuries by cheques drawn in favour of our branches as per mandate of the pensioner are also eligible subject to condition that pensioner should not be more than 72 years of age
(b) Family Pensioners: Family pensioner, i.e. spouse authorized to receive pension after the death of the pensioner, subject to condition that family pensioner should not be more than 65 years of age.
(2) Loan Amount:
(a) Pensioners : Maximum of 12 months net pension with a ceiling of Rs.3.00 lac
(b) Family Pensioners : A maximum of 9 months net family pension with a ceiling of Rs.1.50 lacs In no case the EMI should be more than 25% of the net pension drawn by the family pensioner.
(3) Collateral Security :
(a) Pensioners : Third party guarantee (TPG) of the spouse eligible for family pension. In the absence of the spouse, TPG of any other family member or a third party worth the loan amount.
(b) Family Pensioners : Third party guarantee of a person who has been maintaining a satisfactorily conducted account with the bank, preferably of the son/daughter of the family pensioner.
(4) Repayment Period : In EMIs commencing from the pension payable one month after disbursal of loan. Installment is deducted at the time of payment of pension:
| Age at the time of loan sanction | Repayment period | Age at the time of full repayment |
| Up to 70 years | 36 months | 73 years |
| 70-72 years | 24 months | 74 years |
(6) Processing Fees : Nil
(7) Margin : Nil
Interest rates
SBI CAREER LOAN
(Base Rate 9.50 % w.e.f. 11.07.2011)
| Type of Security | Rate of Interest |
| Land/Building | 4.50% above Base Rate, currently 14.00% p.a. |
| Bank’s TDRs/STDRs | 1.00% above the rate of interest payable on deposits |
| Govt. Securities/Public Sector Bonds/NSCs/ KVPs/RBI Relief Bonds, LIC Policy | 4.25% above Base Rate , currently 13.75% p.a. |
NOTE: ALL INTEREST RATES ARE SUBJECT TO CHANGE, WITHOUT NOTICE.
For more details contact your nearest SBI Branch.
Courtesy : http://90paisa.blogspot.com/
Wednesday, July 20, 2011
BUSINESS DEVELOPMENT PRODUCTS INFORMATION FOR IPO, LGO EXAMINATIO
BD Products may be discussed into three heads, namely, Departmental Products, Tie-up Services and Money Transfer Services.
A. Departmental Products:
I.SPEED POST:
· Speed Post Service was introduced in Aug, 1986.
· The Service Tax and Education Cess for article weighing below 50 Gms included in the postage itself (ONE INDIA ONE RATE). For article weighing above 50 Gms, the ST and EC will be charged separately.
· The rate of Service Tax is 10% and Education Cess is 3% on ST.
· ST has to be charged on inclusive of additional servicesviz., Insurance, VP, etc
· There are 315 National Speed Post Centres and 986 State SPC.
· There is a provision to deliver the SP (like Passport, driving license etc) to the addressee only. For this the should customer should get permission from DOP and print on the envelope as “To be delivered to the addressee only”.
· Unclaimed SP returned to the sender after detention of 7 days.
· Refused SP returned to the sender on the day itself
· Speed Post offers money-back guarantee, under which Speed Post fee (Upto Rs.1,000/-) will be refunded if the consignment is not delivered within the published delivery norms.
· BNPL facility (with a condition to give speed post businessatleast Rs.10,000 pm w.e.f. 12.05.11) is available.
· BNPL Customers will be given Free Pick Up service.
· Under the BNPL Scheme, the customer prepares three copies of SP booking list (Note: Articles are booked by customer himself in the BNPL Journal). The customer retaining one copy and the other two copies come to the SP Centre.
· Bulk customers is defined as anyone who provides Rs.10,000 worth of Speed Post business in a calendar month at a SP booking Office.
· Advance payment facility is also available. However, for this no extra discount will be given. (Example: In Madurai BPC, District Collector Office of Madurai is paying Speed Charges in advance).
· BNPL facility to a customer – approved by Regional PMG only.
· BNPL facility to a private customer-Bank Guarantee is must – Not less than 4 months of the business committed by the BNPL customers.
· The bank Guarantee should issued by Nationalized/Scheduled Bank (Scheduled under RBI Act, 1934).
· The Bank Guarantee should be valid for a period of at least 18 months from the date of the agreement. However, the amount of bank Guarantee should be reviewed once in a quarter by a designated authority.
· Penalty for belated payment – 1% pm (Calculated from the date of issue of bill)
· If payment not received even after three month from the date of issue of bill, action may be taken to revoke the Bank Guarantee for recovery of the total outstanding.
· BNPL & Bulk customers can get discount, if the volume of business exceeds 0.5 lakh in a month @ 5%. The rate of discount increases according to volume of business and a customer can get maximum of 20% discount if the volume of business in a month exceeds 25 lacs.
· The amount of discount will be calculated on postage excluding the ST and EC. Besides the BNPL Customers will be given the above rate of Discount only if he gives soft copy of the articles. Otherwise, the amount of discountwould be reduced by half.
· Discount sanctioning authority -
Before 01.01.11 Regional PMG
w.e.f. 01.01.11 deducted in the bill itself by the billing office.
· SMS facility is available – To get SMS on delivery status, sent SMS to 55352.
SPSpeed Post Number
· Delivery status can also be tracked thro India post.gov.in website.
· While tracking, by providing eMail iD the delivery status can be received thro eMail also.
· Insurance facility upto one lakh.
· Charge for Proof of Delivery card- Rs.10/-
· If Speed article redirected/returned to any distanced place the difference between actual postage minus actually paid should be collected.(BD Dte lr No.55-9/2004-BDD dt 16.02.05)
Example: A customer who is residing at Tuticorin District booked a Speed Article weighing 50 gms at PO located in Madurai Town Delivery addressed to within the Madurai Town Delivery area and paid local charge of Rs.12/- If this article returned to the sender (Tuticorin address) or redirected to the addressee other than Madurai Town Delivery office, Rs.13 (Rs.25-Rs.12) has to be collected. (Note: Only single deficiency)
· International SP service is available for Documents to 98 countries and Merchandise to 74 countries. Postage determined for every 250 Gms or part thereof and the rate differ from country to country.
· All International articles should be presented in open condition at the time of booking.
· There are Five Office of Exchange to deal the foreign SP articles. They are Mumbai, Kolkatta, Chennai, New Delhi and Kochi.
PLI / RPLI material for IPO Examination
Postal Life Insurance (PLI) was introduced on 1st February, 1884 with the express approval of the Secretary of State (for India) to Her Majesty, the Queen Empress of India. It was essentially a welfare scheme for the benefit of Postal employees in 1884 and later extended to the employees of Telegraph Department in 1888. In 1894, PLI extended insurance cover to female employees of P & T Department at a time when no other insurance company covered female lives. It is the oldest life insurer in this country.
Over the years, PLI has grown substantially from a few hundred policies in 1884 to 42,83,302 policies as on 31.03.2010. It now covers employees of Central and State Governments, Central and State Public Sector Undertakings, Universities, Government aided Educational Institutions, Nationalized Banks, Local bodies etc. PLI also extends insurance cover to the officers and staff of the Defence services and Para-Military forces. Apart from single insurance policies, Postal Life Insurance also manages a Group Insurance scheme for the Extra Departmental Employees (Gramin Dak Sevaks) of the Department of Posts.
With 1,55,669 branches across the country, the Post Office is India’s largest retail and financial services provider and is among the most widely recognized and trusted brands in the country, offering a wide range of products and essential services. In India Post, the endeavor is to take advantage of our unique position.
Rural Postal Life Insurance (RPLI) came into being as a sequel to the recommendation of the Official Committee for Reforms in the Insurance Sector (Malhotra Committee). The Committee had observed in 1993 that, only 22% of the insurable population in this country had been insured; life insurance funds accounted for only 10% of the gross household savings. The Committee had observed:
“The Committee understands that Rural Branch Postmasters who enjoy a position of trust in the community have the capacity to canvass life insurance business within their respective areas…….”
The Government accepted this recommendation and permitted Postal Life Insurance to extend its coverage to the rural areas to transact life insurance business with effect from 24.3.1995, mainly because of the vast network of Post Offices in the rural areas and low cost of operations. The prime objective of the scheme is to provide insurance cover to the rural public in general and to benefit weaker sections and women workers of rural areas in particular and also to spread insurance awareness among the rural population.
The Department of Posts has started this task entrusted by the Central Government with great dedication and sincerity and within a short span of time, made a very positive impact on the rural populace. Rural Postal Life Insurance, in fact, is meant for anyone who has a rural address. It is a boon for migrant labour and artisans, and the unorganized sector, who move on to urban areas for employment, but continue to have a rural base. Labour migrating overseas are also eligible for a policy. RPLI has now a total of 99,25,103 policies with Sum Assured of Rs. 595,72,59,00,275 as on 31.03.2010For More Details : Click Here to Download
Constitution of India: Study Material for IPO Exam
he Constitution of India is the world's lengthiest written constitution with 395 articles and 8 schedules. It contains the good points taken from the constitution's of many countries in the world. It was passed on 26 Nov 1949 by the 'The Constituent Assembly' and is fully applicable since 26 Jan 1950. The Constituent Assembly had been elected for undivided India and held its first sitting on 9th Dec.1946, re-assembled on the 14th August 1947, as The Sovereign Constituent Assembly for the dominion of India. In regard to its composition the members were elected by indirect election by the members of The Provisional Legislative Assemblies (lower house only). At the time of signing 284 out of 299 members of the Assembly were present.
The constitution of India draws extensively from Western legal traditions in its outline of the principles of liberal democracy. It follows a British parliamentary pattern with a lower and upper house. It embodies some Fundamental Rights which are similar to the Bill of Rights declared by the United States constitution. It also borrows the concept of a Supreme Court from the US.
For More Details : Click Here to Download
The constitution of India draws extensively from Western legal traditions in its outline of the principles of liberal democracy. It follows a British parliamentary pattern with a lower and upper house. It embodies some Fundamental Rights which are similar to the Bill of Rights declared by the United States constitution. It also borrows the concept of a Supreme Court from the US.
India is a federal system in which residual powers of legislation remain with the central government, similar to that in Canada. The constitution provides detailed lists dividing up powers between central and state governments as in Australia, and it elaborates a set of Directive Principles of State Policy as does the Irish constitution.
The constitution has provision for Schedules to be added to the constitution by amendment. The ten schedules in force cover the designations of the states and union territories; the emoluments for high-level officials; forms of oaths; allocation of the number of seats in the Rajya Sabha. A review of the constitution needs at least two-thirds of the Lok Sabha and Rajya Sabha to pass it.
The Indian constitution is one of the most frequently amended constitutions in the world. Infact the first amendment to it was passed after only a year of the adoption of the constitution and instituted numerous minor changes. Many more amendments followed, a rate of almost two amendments per year since 1950. Most of the constitution can be amended after a quorum of more than half of the members of each house in Parliament passes an amendment with a two-thirds majority vote. Articles pertaining to the distribution of legislative authority between the central and state governments must also be approved by 50 percent of the state legislatures.
· The Constituent Assembly consisted of 385 members, of which 292 were elected by he elected members of the Provincial Legislative Assemblies while 93 members were nominated by the Princely States. To these were to be added a representative each from the four Chief Commissioners Provinces of Delhi, Ajmer-Marwar, Coorg and British Baluchistan.
· Each Province and each Indian State or group of States were allotted the total number of seas proportional to their respective population roughly in the ration of one to a million.
· B N Rao was appointed the Constitutional Advisor of the Assembly.
· The first meeting of the Constituent Assembly took place of Dec 9, 1946 with Dr. Sachidanand Sinha as its interim President. Dr. Rajendra Prasad was elected as its President n Dec 11, 1947.
· The Assembly framing the Constitution.had 13 Committees.
· The all-important Drafting Committee, which bore the responsibility of drafting the Constitutional document during the recess of the Constitutent Assembly, from July 1947 to September 1948, was formed on August 29, 1947. Its members were:
1. Dr. B.R. Ambedkar Ayyangar
2. N. Gopalaswami Ayyar
3. K.M. Munshi
4. Syyed Mohd. Saadulla
5. N.Madhav Rao
6. D.P.Khaitan (T Krishnamachari, after Kahitan’s Death in 1948)
· It was finally passed and accepted on Nov 26, 1949. The session of the Assembly was held on Jan 24, 1950, which unanimously elected Dr, Rajendra Prasad as the President of India. In all the 284 members of the Assembly signed the official copies of the Indian Constitution which came into effect on Jan 26, 1950, known and celebrated as the Republic Day of India.
Empanelment of Exclusive Cancer Hospitals/Units under CGHS, Delhi
No.REC-I/2008/JD(Gr.)/CGHS/CGHS(P)
Government of India
Ministry of Health & Family Welfare
Department of Health 8 Family Welfare
dated the 23rd June, 2011
OFFICE MEMORANDUM
Subject: Empanelment of Exclusive Cancer Hospitals/Units under CGHS,
The undersigned is directed to state that CGHS had initiated action for fresh empanelment of Exclusive Private Cancer Hospitals / Units under CGHS vide Office Memorandum of even number dated the 28th January 2011 and on the basis of the applications received in response to the 0M dated 28th January 2011, a list of Exclusive Private Cancer Hospitals / Units which have qualified for empanelment under CGHS, Delhi is annexed.
ANNEXURE
| S.No. | Name and address of the | Whether NABH Accredited |
| 1. | SMH Curie Cancer Centre, 2, Institutional Area, Vikas Marg Extenaion, Karkardooma, Tel.011 43006000-16* | No |
| 2 | 108-A, Indraprastha Extension, Patparganj, | Yes |
| 3 | Max Super Speciality Hospital East Block (A unit of Devki Devi Foundatin), 2, Tel-011-26515050 | Yes |
| 4 | H-2/FC-34, A-4, Paschim Vihar, 011-45666666, 011-4922200 | No |
| 5 | Tel. 011-22460000, 22526671 | Yes |
| 6 | Batra Hospital & Medical Research Centre, 1, Tughlakabad Institutional Area, Mehrauli Badarpur Road, New Delhi Tel-011- 29958747, 0011 29957485-86-87 | Yes |
| 7 | 21, Community Centre, Preet Vihar, 011-22460000 | Yes |
| 8 | Lajpat Nagar, III, Tel 011 42000000 42000300 | Yes |
| 9 | Rajiv Gandhi Cancer Institute & D-18, Sector V, Rohini Tel 011-47022222* | No |
| 10 | Dharamshila Marg, Vasundhara Enclave, Tel 43066666, 43066587 | Yes |
*Will be de-paneled without any further notice, if they fail to obtain NABH Accreditation within 180 days of empanelment. 15% deduction would be applicable to the rates prescribed for cancer hospitals.
Source: msotransparent.nic.in
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