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 6^th 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)

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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.

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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:

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

(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)

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.

(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.

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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.

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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 31.03.2010


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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.

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.

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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

Maulana Azad Road, Nirman Bhawan New Delhi 110 108

dated the 23rd June, 2011

OFFICE MEMORANDUM

Subject: Empanelment of Exclusive Cancer Hospitals/Units under CGHS, Delhi.

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 Exclusive Cancer Hospital / Cancer Unit	Whether NABH Accredited
1.	SMH Curie Cancer Centre, Shanti Mukund Hospital, 2, Institutional Area, Vikas Marg Extenaion, Karkardooma, Delhi Tel.011 43006000-16*	No
2	Max Super Specilaity Hospital (A unit of Balaji Medical & Research Centre), 108-A, Indraprastha Extension, Patparganj, Delhi 011-430333333	Yes
3	Max Super Speciality Hospital East Block (A unit of Devki Devi Foundatin), 2, Press Enclave Road, Saket, New Delhi Tel-011-26515050	Yes
4	Action Cancer Hospital, H-2/FC-34, A-4, Paschim Vihar, New Delhi* 011-45666666, 011-4922200	No
5	Dr.B.L.Kapur Memorial Hospital, Pusa Road, New Delhi 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	Metro Hospital & Cancer institute, 21, Community Centre, Preet Vihar, Delhi 011-22460000	Yes
8	Moolchand Hospital, Lajpat Nagar, III, New Delhi Tel 011 42000000 42000300	Yes
9	Rajiv Gandhi Cancer Institute & Research Center, D-18, Sector V, Rohini New Delhi Tel 011-47022222*	No
10	Dharamshila Cancer Hospital, Dharamshila Marg, Vasundhara Enclave, Delhi 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

Central Government Welfare Housing Organisation(CGEWHO) - FAQ

Central Government Welfare Housing Organisation(CGEWHO)
Prototype Interactive Public Questions & Answers

(i) What is CGEWHO ?
Ans.: "CGEWHO" stands for "Central Government Employees Welfare Housing Organisation". It is a "Society" registered under Societies Registration Act 1860 and functions as an autonomous body of the Govt. of India under the aegis of M/o Housing & Urban Poverty Alleviation.

(ii) What are the AIMS of CGEWHO ?
Ans.: To provide dwelling units for the welfare of Central Government employees on "self-financing" and "No Profit-No Loss" basis all over India.

(iii) What is the Constitutional set-up of CGEWHO?
Ans.: CGEWHO is managed on a 4-tier system viz:

General Body comprising 14 members with Secretary, M/o Housing & Urban Poverty Alleviation as its President.

Governing Council comprising 11 members with Secretary, M/o Housing & Urban Poverty Alleviation as its President.

Executive Committee comprising 7 members with Joint Secretary(H), M/o Housing & Urban Poverty Alleviation as its Chairman.

The organisation is headed by a Full-time Chief Executive Officer.

(iv) Where is the office located and what is its e-mail/ web address?
Ans.: 6th Floor, "A" Wing Janpath Bhawan, New Delhi. E-mail:- cgewho@nic.in Web-site: www.cgewho.nic.in

(v) What is the mission statement of CGEWHO ?
Ans.: (a) To undertake Welfare Housing Schemes on "NO PROFIT-NO LOSS" basis for the Central Government employees (serving and/or retired), for spouses of the deceased Central Government employees, regular employees in service of this Society and to spouses in case of deceased Central Govt. employees, by inter alia promoting the construction of houses / dwelling units. (b) To do all such things as are incidental or conducive to the attainment of the above objects or any of them.

(vi) Who all can apply for a dwelling unit from CGEWHO?
Ans.: CGEWHO aims at serving and / or retired Central Government and regular CGEWHO employees. Moreover, spouses of the deceased employees or deceased retired Central Govt. employees can also apply, if otherwise, deceased employee would have been eligible.

(vii) What is a "Dwelling Unit(DU)" and can one obtain more than one DU from CGEWHO?
Ans.: CGEWHO invariably builds apartment blocks only i.e. flat types. Further, an eligible applicant can apply for any number of housing schemes of CGEWHO. But, finally, he can be allotted only one DU under any of the CGEWHO’s housing schemes. Even if both Husband and wife are eligible, only one of them can own a dwelling unit.

(viii) Does CGEWHO also arrange financing of the dwelling units for its beneficiaries?
Ans.: CGEWHO does not arrange funds for its beneficiaries, its Housing Schemes being on self financing basis. However, requisite support/assistance for raising loan is extended, such as Format of HBA form / signing Tripartite Agreement / Providing non-encumbrance certificate(s) / Clarificatory Letter from CGEWHO (on request) / Copy of approved plan(s) / title deed of land.

(ix) Does CGEWHO collect/demand payment from its beneficiaries in lump-sum or in instalments?
Ans.: CGEWHO undertakes housing projects purely on "Self-financing" basis and collects cost generally in six instalments, spread over a period of approximately 30 months, as under:-

Instalment Amount	Stage
- Earnest Money	Alongwith Application
i. 30% of cost of DU less EMD	On allotment
ii. 15% of cost of DU	On commencement of construction.
iii. 20% of cost of DU	After 4/6 months of previous instalment.
iv. 15% of cost of DU	- do -
v. 20% of cost of DU	- do -
vi. All other charges, including escalation,interest,AOA charges, Stamp duty,reserve fund, Statutory levies etc.	On offer of Possession

OR
2.5% rebate is offered, if the Full Payment is made within 45 days of allotment, subject to fulfilling other conditions. (May refer scheme brochure)

(x) Is Co-ownership allowed?
Ans.: Yes. Co-ownership is allowed, but at the time of executing Sale/Lease Deed of the DU. Till then, a `certificate’ is issued for facilitating availing of loans to meet the requirements of financial institutions, case required.

(xi) Can a person apply for any type of dwelling unit in a Scheme?
Ans.: NO. CGEWHO Rules provide for allotments on the basis of Group of Service to which a Government employee belongs, as per the following:-
Type A(One bedroom set) - D,C,B & A Groups
Type B(Two bedroom set) - C,B & A Groups
Type C(Three bedroom set) - B & A Groups
Type D(Four bedroom set) - A Group

(xii) After handing over possession of the dwelling units, who maintains the complex?
Ans.: (i) After completion of the project, CGEWHO provide one year of defect liability period. Defects will be examined and rectified, wherever applicable, in defect liability period. Defect liability period starts from the date of completion of project and is not related to handing over of the DU to the beneficiary.
ii) All Housing Complexes, developed by the CGEWHO, are maintained by an "Apartment Owners’ Association", created by CGEWHO from amongst the beneficiaries of the concerned Scheme.
iii) Initially, an Ad-hoc Committee is formed/elected. iv) "Apartment Owners’ Association" is later registered with the concerned authorities to give it a legal status.

(xiii) Does CGEWHO charge the car parking cost separately or it is included in the cost of the dwelling unit?
Ans.: Car/Scooter parking is optional and is charged separately alongwith the final `instalment’.

(xiv) CAN A BENEFICIARY SELL THE DWELLING UNIT PURCHASED FROM CGEWHO?
Ans.: A beneficiary can sell the DU allotted to him after the same has been registered in his/her favour by CGEWHO, and after following the rules of the respective "Apartment Owners Association".

(xv) Is any penalty levied if a person withdraws from a scheme?
Ans.: No `withdrawal charges’ are levied in case of withdrawal before commencement of construction. Allottees withdrawing after the date of commencement of construction are levied "withdrawal charges" @ 15% of the first instalment. Allottees withdrawing after allotment of specific floor/flats are required to pay "withdrawal charges" @ 20% of the first instalment.

(xvi) What happens if an allottee dies ?
Ans.: The allotted DUs is transferred in the name of the nominee/legal/natural heir, on receipt of "succession/relinquishment" documents. (Format of which is available in CGEWHO’s HO).

(xvii) How does CGEWHO select a station for setting up a housing complex?
Ans.: By conducting a Paid Demand Survey.

(xviii) How does CGEWHO ensure quality of its projects?
Ans.: CGEWHO follows a four-tier supervision/inspection mechanism for all its projects, as under:
i) Supervision by the Contracting Agency
ii) Supervision by the Architect Consultants
iii) Supervision by CGEWHO’s Project Team iv) Independent supervision by a Third-Party e.g.Indian Institute of Technology/ Engineering College of that city/Central Building Research Institute, etc.

(xix) How many housing projects have been completed by CGEWHO till now?
Ans.: So far 23 housing projects have been completed by CGEWHO at Chennai(PhI)(524), Nerul, Navi Mumbai(384), Sector 14, Panchkula(Ph-I)(98), Kolkata(Ph-I) (576), Sector-51, NOIDA(Ph-I&II)(1200), Kharghar, Navi Mumbai (1230), Sector- 56, Gurgaon(Ph-I&II)(1940), Chandigarh(305), Bangalore(Ph-I)(603), Hyderabad(PhI)(344), Kochi(43), Pune(Ph-I)(159), Sector-82, NOIDA(Ph-III, IV & V)(2276), Ahmedabad(310), Jaipur(184), Hyderabad(Ph-II)(178), Panchkula(Ph- II)(240), Lucknow(Ph-I)(130), and Pune(Ph-II)(148) – Total 10872 dwelling units.

(xx) Which are the on-going housing schemes of CGEWHO?
Ans.: On-going housing schemes are at Chennai(Ph-II)(572), Hyderabad(Ph-III)(380), Mohali(Ph-I)(603), Bhubaneswar(Ph-I)(256), Meerut(Ph-I)(90), Jaipur(Ph-II)(572) and Vishakhapatnam(Ph-I)(190) with 2663 dwelling units under various stages of construction and planning.

(xxi) Which are the likely future housing schemes of CGEWHO?
Ans.: Bhubaneswar(Ph-II), Kharghar(Ph-II), Kolkata(Ph-II), Mohali(Ph-II) and
Chennai(Ph-III).

(xxii) For any further query, whom to contact?
Ans.: Shri P. K. Wadhwa, Dy Director (Admn), CGEWHO, "A", Wing, 6th Floor, Janpath Bhawan, Janpath, New Delhi-110001, contact no. 23717249.