Saturday, November 30, 2019

Admissibility of Special Allowance / Qualification Pay for Accounts cadre - revision of rates as per 7th CPC

7th Pay Commission: Date of next increment under Rule 10 of CCS(Revised Pay) Rules, 2016- Clarifications by Fin Min dated 29.11.2019




No. 4-21/2017-IC/E.IIIA
Government of India
Ministry of Finance
Department of Expenditure
****
North Block, New Delhi-110001
Dated the 28th November, 2019
OFFICE MEMORANDUM

Subject: Date of next increment under Rule 10 of Central Civil Services (Revised Pay) Rules, 2016- Clarifications-regarding.

The undersigned is directed to invite the attention to Rule 10 of the CCS (RP) Rules, 2016 which provides for the entitlement of employees for drawal of annual increment either on 1st January or 1st July depending on the date of appointment, promotion or grant of financial upgrdation. The Sub-Rule (2) thereof provides that increment in respect of an employee appointed or promoted or granted financial up­-gradation including up-gradation under Modified Assured Carrier Progression Scheme (MACPS) during the period between the 2nd day of January and 1stday of July (both inclusive) shall be granted on 1st day of January and the increment in respect of an employee appointed or promoted or granted financial up-gradation under MACPS during the period between the 2nd day of July and 1st day of January (both inclusive) shall be granted on 1st day of July.
2. A number of references were received in the Ministry of Finance seeking clarifications regarding drawal of next increment by the employees promoted on 1st July, 2016. On consideration of the matter, Department of Expenditure vide it’s Office Memorandum of even number dated 31.07.2018 has clarified that in case an employee is promoted or granted financial up-gradation including up-gradation under the MACP scheme on 1st January or 1st July, where the pay is fixed in the Level applicable to the post on which promotion is made in accordance with the Rule 13 of the CCS (RP) Rules, 2016, the first increment in the Level applicable to the post on which promotion is made shall accrue on the following 1st July or 1st January, as the case may be, provided a period of 6 months qualifying service is strictly fulfilled. The next increment thereafter shall, however, accrue only after completion of one year.
3. Consequent upon issue of Office Memorandum dated 31.07.2018 different Ministries/ Departments have sought clarification on applicability of DOE’s O.M dated 31.07.2018 keeping in view the provisions of Rule 10 of CCS (RP) Rules 2016 , Rule 22(I)(a)(1) of Fundamental Rules & provisions of Stepping up of pay. The issues on which various Ministries/Departments have sought clarifications and decisions thereon are brought in the succeeding paragraphs.
Issue No. 1: Whether after promotion on 1st July and fixation of pay with two increments the date of next increment will be 1st January or 1st July
4. During the regime of 6th CPC, when the annual increment was admissible uniformly on 1st July every year, employees completing 6 months and above in the revised pay structure as on 1st July were eligible for grant of increment. In the 7th. CPC regime there are two dates of increments pt January and 1st July. Keeping in view the spirit of 6th CPC, 0.M dated 31.07.2018 was issued providing for accrual of next increment on 1st July/1st January in respect of employees getting promotion on , 1st January/1st July provided 6 months qualifying service is strictly fulfilled.
5. The instructions contained in the O.M. dated 31.07.2018 are self-explanatory in respect of the cases of promotion/financial up-gradation falling on 1st July or 1st January. These instructions provide that in case of promotion/financial up­ gradation on 1st July and 1st January and getting fixation of pay in the Level applicable to the post in which promotion is made in accordance with Rule 13 of the CCS (RP) Rules 2016, the first increment in the level in which promotion is made shall accrue on the following 1st January or 1st July, as the case may be, provided a period of 6 months’ qualifying service is fulfilled.
Issue No.2 : Accrual of next increment in case of regular promotion/financial up­ gradation of an employee on any date other than the date of annual increment and option for pay fixation is exercised under FR 22(I)(a)(1). •
6. The opportunity to exercise of option for pay fixation under FR 22(I)(a)(1) is available to employees in case of promotion/financial up-gradation. Therefore, the Central Government Employee promoted on regular basis/granted financial up­ gradation on any date other than the date of his/her annual increment in lower grade and exercises the option under FR 22(I)(a)(1) read with Department of Personnel & Training’s OM No.13/02/2017-Estt.(Pay-I) dated 27.07.2017 for fixation of pay from the date of accrual of next increment in the scale of pay in lower grade, he may be allowed the 1st increment in promotional grade on 1st January/ 1st July as the case may be after completion of 6 months’ qualifying service after such fixation on 1st July/1st January (i.e., the date of increment in lower grade) on the analogy of Department of Expenditure’s OM dated 31.07.2018. The next increment, thereafter, shall however, accrue only after completion of one year.
7. Since there is material change, it has also been approved that the employees who have been regularly promoted or granted financial up-gradation on or after 01.01.2016 and desire to exercise/re-exercise option for pay fixation under FR22(I)(a)(l) shall be given an opportunity to exercise or re-exercise of the option there under. Such an option shall be exercised within one month of issue of this O.M.
8. These instructions will be applicable with effect from 01.01.2016.
9. In so far as persons serving in the Indian Audit and Accounts Department are concerned, these orders issue after consultation with the Comptroller and Auditor General of India.
10. Hindi version of these orders is attached.
(B.K.Manthan)
Deputy Secretary to the Government of India

To
1. All Ministries/Departments as per standard list.
2. C&AG, UPSC etc. as per standard endorsement list
2. NIC, D/o Expenditure-with a request to upload the OM on website of the Department.





Friday, November 29, 2019

Implementation of Recommendation of GDS Committee on Social Security Benefits for Gramin Dak Sevaks (GDS).


India Post Has Asked Pension Account Holders To Complete Their Life Certificate Submission Before November 30, 2019



सरकारी कार्मिकों की सेवानिवृत्ति आयु 60 वर्ष अथवा 33 वर्ष की सेवा करने संबंधी अधिकारिक सूचना

Appeal to our colleagues from Secretary General FNPOT N Rahate


Wife of our great leader Sri Rajath S Das is in ICU in D- Pothdhar hospital Kolkatta due to serious health issues. Sister is in critical condition. B Shivkumar Dy SG FNPO  and Sri Shivaji Vasi Reddy , Kaushik Chakravarthy and some of DSs ofKolkatta circle visited D.pothdhar hospital on 27-11-2019 evening. Dada and his family putting all possible efforts to get sister well. I personally and on behalf of all our brothers and sisters pray almighty to save the life of our Sister. And I request Dada to be confident and the entire FNPO family is with him at this our of crisis.
T N Rahate
SG FNPO.

On 28/11/2019 meeting was held with PMG(KR) along with Sri B.Shivakumar, Deputy secretary General (FNPO) &President (CHQ), Sri Shivaji Vasireddy,GS (CHQ), Sri Kaushik Chakraborty,CS, Sri Sanjoy Ghosh, Working President (CHQ)

Yesterday meeting was held with PMG(KR) along with Sri B.Shivakumar,  Deputy secretary General (FNPO) President (CHQ), Sri Shivaji Vasireddy,GS (CHQ), Sri Kaushik Chakraborty,CS, Sri Sanjoy Ghosh, Working President (CHQ).
Many Union related matters were discussed.
The result was positive


 yesterday Shri B.Shivakumar, Deputy secretary General, FNPO , President NAPE Group C (CHQ) met Sri Amitab Singh PMG Kolkata region , Sri Sanjeev Ranjan, PMG South Bengal region, Sri Manojkumar, DPS Hqrs, Sri Ashok Paul, DPS South Bengal, along with Sri Shivaji Vasireddy,G S NAPE Group C,  Kaushik Chakraborty,CS NAPEc, Sri Sanjoy Ghosh, Working President (CHQ) and discussed the following issues with positive result.
1. Non consideration of genuine rule38 requests under North Bengal region.
2. Non implementation of LSG posting orders in Darjeeling divn.
3. Harrassment of SSP North Kolkata case of Smt Ratna Mondal in the name of interest of service transfers.
4. Acceptance of adopted child case of Smt Uma modekar.
5. Issuing series of charge sheets by SSP North Kolkata for small and petty reasons. 
6. Conduction of proper investigation about Senthee SO fraud case. 
7. Non counting of training period for TBOP and BCR in all regions. 
8. North Hoogly division irregular transfer orders issue.
9. Permitting one time chance to proffer appeal for upgradation of benchmark whose APAR/adverse entries not circulated to the officials intime. 
10. Non consideration of immunity transfer case of DS Coochbehar divn.
11. Posting of qualified PORMS accountants in all HO/DO for smooth functioning.
12. Immediate disposal of long pending disciplinary cases appeals.
13. Non consideration of LSG declination 
14. Non implementation of Supreme court orders in respect of Postman double increment cases.             

Payment of Gratuity to GDS -Directorate order


DoPT Official Statement: Reduction of age of Retirement from 60 years to 58 years regarding


DoPT Official Statement: Reduction of age of Retirement from 60 years to 58 years regarding
GOVERNMENT OF INDIA
MINISTRY OF PERSONNEL, PUBLIC GRIEVANCES AND PENSIONS
(DEPARTMENT OF PERSONNEL AND TRAINING)
LOK SABHA
UNSTARRED QUESTION NO: 1529
(ANSWERED ON: 27.11.2019)

RETIREMENT AGE

1529.  SHRI KAUSHAL KISHORE:
            SHRI UPENDRA SINGH RAWAT:
Will the PRIME MINISTER be pleased to state:-
(a) whether there is any proposal before the Government to decrease the retirement age of Central Government employees from 60 years to 58 years or under article 56(J) of compulsory retirement on attaining the age of 50 years;
(b) if so, the details thereof; and
(c) if not, the reasons therefor?

ANSWER

MINISTER OF STATE IN THE MINISTRY OF PERSONNEL, PUBLIC GRIEVANCES AND PENSIONS AND MINISTER OF STATE IN THE PRIME MINISTER’S OFFICE (DR. JITENDRA SINGH)
(a) : No Sir. Presently, there is no proposal to reduce age of retirement on superannuation from 60 years to 58 years.
There are provisions under Fundamental Rules (FR) 56(j), Rule 48 of Central Civil Services (CCS) (Pension) Rules, 1972 and Rule 16(3) (Amended) of All India Services (Death-cum-Retirement Benefits) [AIS (DCRB)] Rules, 1958, according to which the Government has the absolute right to retire Government officials prematurely, on the ground of lack of integrity or ineffectiveness, in public interest, by giving notice of not less than three months in writing or three month’s pay and allowances in lieu of such notice:
(i) If he is, in Group ‘A’ or Group ‘B’ service or post in a substantive, quasi-permanent or temporary capacity and had entered Government service before attaining the age of 35 years, after he has attained the age of 50 years;
(ii) In any other case after he has attained the age of 55 years.
(b) & (c): Does not arise.

Source:
English: http://164.100.24.220/loksabhaquestions/qhindi/172/AU1529.pdf
Hindi: http://164.100.24.220/loksabhaquestions/annex/172/AU1529.pdf

Instructions: Following of DoP&PW Social Media Account by all Identified Pensioners’ Associations


Instructions: Following of DoP&PW Social Media Account by all Identified Pensioners’ Associations
F.No.55/16/2019-P&PW(C)-6067Government of India
Ministry of Personnel, P G. and Pensions
Department of Pension and Pensioners’ Welfare
8th Floor, B Wing
Janpath Bhavan, New Delhi-01
Dated the 26th November, 2019
To,
The President/Secretary
Of All Identified Pensioners Associations under Pensioners’ Portal
(As per list attached)
Subject:- Following of this Departments’ Social Media Account by all Identified Pensioners’ Associations.
Sir,
Department of Pension and Pensioners’ Welfare  has been creating awareness for use of Digital Life Certificate (DLC) and other initiatives for Pensioners’ Welfare through Social Media These initiatives may be brought to the notice of all Pensioners by Pensioners’ Associations.
2.          Therefore All Pensioners Associations are requested to follow the social media account i.e. Facebook and Twitter of this Department. They are also requested to make their members aware of the social media account of this Department. The details of social media account of this Department are given as below:-
Facebook- www.faccbook.com/sankalp.DOPPW
ii) Twitter-@DOPPW_India
Yours faithfully,
(Rajesh Kumar)
Under Secretary to the Govt of India

Wednesday, November 27, 2019

Government is planning to invest the Pension Funds in the share market


GOVERNMENT OF INDIA
MINISTRY OF FINANCE
RAJYA SABHA
QUESTION NO 204
ANSWERED ON 19.11.2019

Investment of Pension Funds in share market

204 Shri Ritabrata Banerjee
Will the Minister of FINANCE be pleased to state
(a) whether Government is planning to invest the Pension Funds in the share market; and
(b) if so, the details thereof and the reasons therefor?
ANSWER
The Minister of State (Finance)
(a) & (b) Section 14 (2) (b) of the Pension Fund Regulatory and Development Authority Act, 2013 (PFRDA Act), empowers PFRDA to formulate investment guidelines for National Pension System (NPS) and pension schemes to which the Act applies. The pension funds under the NPS are invested in various asset classes including Government Securities, Corporate Debt instruments, and Equities as per the investment guidelines issued by PFRDA in this regard.
The Employees’ Provident Fund Organisation (EPFO) under Ministry of Labour has informed that the Central Board of Trustees’, Employees Provident Fund in its 207th meeting held on 31.03.2015 decided to invest in Exchange Traded Funds in the category of Equity and related investments (Category (iv) of Investment Pattern notified on 23.04.2015) so as to generate higher returns for EPF members.
Source: https://rajyasabha.nic.in/

Education scholarship scheme for Single Girl Child

Shri Patel Hasmukhbhai Sombhai MP has sought information about Education scholarship scheme for Single Girl Child provided by Central Government in LokhSabha on 25-11-2019. The reply is given below

(a): The Central Board of Secondary Education (CBSE) and the University Grants Commission (UGC) are implementing the following scholarship/ fellowship schemes exclusively for Single Girl Child.
Merit Scholarship Scheme for Single Girl Child:- CBSE is implementing Merit Scholarship Scheme for Single Girl Child. Those single girl child, who have passed class X examination with 60% marks and studying in CBSE affiliated schools in class XI and XII are eligible for the award. The rate of scholarship is Rs. 6,000/- per annum. The number of scholarships for each year is determined based on the applications received.
UGC is implementing two schemes for Single Girl Child namely:
(i) Post-Graduate Indira Gandhi Scholarship for Single Girl child:– This scholarship is awarded to single girl child up to 30 years of age for studying in various postgraduate courses in colleges / universities on a full-time basis. Rate of scholarship is Rs. 36,200 per annum for a period of two years only. The number of fresh scholarship given per year is 3,000.
(ii) Swami Vivekananda Single Girl Child Fellowship for Research in Social Sciences:- Fellowship programme is provided to only girl child up to the age of 40 years for five years and admitted in full time Ph.D programme in Social Sciences in Colleges/Universities. Fellowship amount of Rs. 25,000 per month for first two years and Rs. 28,000 per month for remaining tenure is provided. There is no fixed number of fellowships for a particular year which is variable depending upon the number of applications received every year.
The details of scholarships/fellowships provided and amount disbursed during the last three years is as under:-
Education scholarship scheme for Single Girl Child
Source : Loksabha

Guaranteed Minimum Pension Up to Rs. 5000 under APY Scheme


Depending upon the pension plan selected, each subscriber under APY shall receive a guaranteed minimum pension of Rs. 1000/- per month or Rs. 2000/- per month or Rs. 3000/- per month or Rs. 4000/- per month or Rs. 5000/- per month, after the age of 60 years until his/her death.
Hike in Pension

Government of India in February, 2019 launched Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM), a voluntary and contributory pension Scheme, for the benefit of unorganized workers, as per eligibility. The scheme assures minimum monthly pension of Rs. 3000 to the beneficiaries after attaining the age of 60 years. All unorganized workers, in the age group of 18-40 years, whose monthly income is up to Rs. 15,000 and who are not members of Employees’ Provident Fund Organization or Employees’ State Insurance Corporation or National Pension System (Government contributed) and are also not income tax payers, are eligible to enroll under the Scheme. The subscriber is required to pay the prescribed monthly contribution amount and the Central Government provides the equal matching contribution. This Scheme is implemented through Life Insurance Corporation of India. Enrollment under the Scheme can be done through any of the Common Service Centres across the country.

Further, vide notification No. G.S.R. 593 (E) dated 19.08.2014, a minimum pension of Rs. 1000 per month has been fixed with effect from 01.09.2014 for the pensioners under Employees’ Pension Scheme (EPS), 1995 framed under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, applicable to establishments which belong to industries and classes of establishments listed in Schedule-I and where number of employees is 20 or more. No decision has been taken at present to further enhance the minimum pension under EPS, 1995.

Further, Atal Pension Yojana (APY) was launched in May, 2015, by the Government of India, and Indian Citizens between the age group of 18 to 40 years are eligible to join APY through their savings bank account or post office savings bank account. Depending upon the pension plan selected, each subscriber under APY shall receive a guaranteed minimum pension of Rs. 1000/- per month or Rs. 2000/- per month or Rs. 3000/- per month or Rs. 4000/- per month or Rs. 5000/- per month, after the age of 60 years until his/her death.

This information was given by Shri Santosh Kumar Gangwar Union Minister of State (I/C) for Labour and Employment in written reply to a question in Lok Sabha today.

Source: PIB

Accept the life certificate physically or electronically from the pensioners


GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF EXPENDITURE
CENTRAL PENSION ACCOUNTING OFFICE
TRIKOOT-II.1311IKAJI CAMA PLACE,
NEW DELHI-110066
PHONES, 26174596. 26174456, 26174436
CPAO/IT&Tech/Life Certificate/2 Vol-V/2019-2004/146
13.11.2019
OFFICE MEMORANDUM

Submission of ‘Life Certificate’

  It has been observed that Authorized Banks are not adhering to the extant rules regarding submission of life certificate issued vide OM No. CPAO/Tech/Life Certificate/ 2014-15/31-72 dated-30.01.2015 and subsequent OM No. MO/Tech/We Certificate/ 2 Vol-V/2017-18/178 dated-08.01.2018, OM No. CPAO/Tech/Life Certificate/ 2 Vol-V/2017-18/147 dated-23.10.2018 and OM No. CPAO/Tech/Life Certificate/ 2 Vol-V/2017-18/64 dated 26.07.2019 (Copies Enclosed).
2. This office is receiving number of grievances from pensioners that Banks are insisting on submission of life certificate online and not accepting the life certificate submitted in physical form.
3. It is reiterated that at present, the following three options are available with pensioner/ family pensioner to authenticate his/her life:
I. By presenting himself/herself to the authorised bank officer to record the life certificate,
II. According to Para 15.2 of the “Scheme for Payment of pension to Central Civil Pensioner” which states that in case a pensioner is unable to obtain a life certificate from an authorised Bank officer on account of serious illness/ incapacitation etc., an intimation to this effect supported by a medical certificate from a registered medical practitioner about his inability to appear in person may he sent to officer-in-charge of the paying branch so that the latter may nominate an officer to visit the pensioner at his/her residence/hospital for the purpose of recording the life certificate”. Further, vide Correction Slip No. 14 of “Scheme for payment of pension to Central Government Civil Pensioners by Authorized Banks” (Copy Enclosed), a pensioner who produces a life certificate in the prescribed form in Anncxure-VII signed by any person specified in the said Correction Slip, is exempted from personal appearance.
III. Moreover, as a part of Prime Minister’s Mission “Digital India” and with the development of software application by Deptt. of Information Technology circulated as per Correction Slip No. 22 to the “Scheme for payment of pension to Central Government Civil Pensioners by Authorized Banks” (Copy Enclosed) the pensioner can prove their existence though Aadhaar based authentication of Life Certificate.
4. All Heads of CPPCs/Government Business Departments are requested to direct concerned officials of Bank branches to strictly adhere to the provisions mentioned above and accept the life certificate physically or electronically from the pensioners.
This issue with the approval of Chief Controller (Pensions).
(Md.Shahid Kamal Ansari)
(Dy.Controller of Accounts)
Ph No:011-26103074

Fixation of pay for officials who were promoted from pre-revised grade pay


GOVERNMENT OF INDIA
MINISTRY OF FINANCE
RAJYA SABHA

QUESTION NO 230
ANSWERED ON 19.11.2019

Fixation of pay from pre revised grade pay

230 Shri Neeraj Shekhar
Shri Ravi Prakash Verma
Will the Minister of FINANCE be pleased to state :-
(a) whether Government has issued general orders for fixation of pay for officials who were promoted from pre-revised grade pay of ₹ 4,200/- to ₹ 4,600/- between 01/01/2006 to 29/08/2008 to minimum at ₹ 18,460/- as per the orders of Hon’ble Supreme Court in Union of India and others versus Rajkumar Anand dated 14/03/2019 to avoid unnecessary litigation and expenses incurred thereon;
(b) if so, the details thereof along with the date and number of the said orders;
(c) if not, the reasons therefor; and
(d) by when said orders would be issued?
ANSWER
MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI ANURAG SINGH THAKUR)
(a) No, Sir.
(b) Does not arise.
(c) Hon’ble Supreme Court’s Order dated 14.03.2019 in Civil Appeal No. 3052/2019 – Union of India & Others Vs Raj Kumar Anand & Others, is specific to pay fixation matter of Shri Raj Kumar Anand & Others and is in consonance with Central Civil Services (Revised Pay) Rules, 2008. Therefore, no general order/Office Memorandum is required to be issued by this Department.
(d) Does not arise.
Source:https://rajyasabha.nic.in/

Tuesday, November 26, 2019

सरकारी कार्मिकों की सेवानिवृत्ति आयु 60 वर्ष अथवा 33 वर्ष की सेवा करने संबंधी अधिकारिक सूचना

सरकारी कार्मिकों की सेवानिवृत्ति आयु 60 वर्ष अथवा 33 वर्ष की सेवा करने संबंधी अधिकारिक सूचना

भारत सरकार
वित्त मंत्रालय
आर्थिक कार्य विभाग
लोक सभा
अतारांकित प्रश्न संखया 1234
(जिसका उत्तर सोमवार, 25 नवम्बर, 2019/
04 अग्रह्यायण, 1941 (शक) को दिया जाना है।)
  official-hindi-news-retirement-age-after-33-years-service
सेवानिवृत्ति की आयु पर आर्थिक सर्वेक्षण की सिफारिश
1234. श्री लावू श्रीकृष्णा देवरायालू:
क्या वित्त मंत्री यह बताने की कृपा करेंगे कि:
(क) क्‍या यह सच है कि इस वर्ष प्रस्तुत किए गए आर्थिक सर्वेक्षण में कर्मचारियों की सेवानिवृत्ति आयु को 70 वर्ष तक बढ़ाने की सिफारिश की गई है;
(ख) यदि हां, तो उक्त सिफारिश का ब्यौरा कया है और इसकी स्थिति क्‍या है;
(ग) क्‍या यह भी सच है कि उक्त सिफारिश को कार्यान्वित करने की बजाय मंत्रालय केंद्र सरकार के कर्मचारियों की सेवानिवृत्ति हेतु 33 वर्ष की सेवा या 60 वर्ष की आयु में से जो भी पहले हो, का एक नया प्रस्ताव लाने की योजना बना रहा है; और
(घ) यदि हां, तो तत्संबंधी ब्यौरा क्या है और इसके कया कारण हो तथा इसकी स्थिति क्या है?
उत्तर
वित्त राज्य मंत्री (श्री अनुराग सिंह ठाकुर)
(क): आर्थिक समीक्षा 2018-19 में कार्मिकों की सेवानिवृत्ति आयु 70 वर्ष तक बढ़ाने की सिफारिश नहीं की गई है। इसमें मात्र दूसरे प्रमुख देशों के अनुभव को रेखांकित किया गया है।
(ख): प्रश्न नहीं उठता ।
(ग): वर्तमान में, सरकार के पास सरकारी कार्मिकों की सेवानिवृत्ति आयु 60 वर्ष अथवा 33 वर्ष की सेवा, जो भी पहले हो निर्धारित करने का कोई प्रस्ताव नहीं है।
(घ): प्रश्न नहीं उठता।
official-news-retirement-age-after-33-years-service-hindi

POST OFFICE ATM CARD || DAILY WITHDRAWAL LIMIT • TRANSACTION CHARGES • OTHER DETAILS

Things To Know About The Post Office ATM card Facility



1) Post Office permits cash withdrawal of ₹25,000 per day through its ATM card, according to India Post website.

2) A maximum cash that one can withdraw in a single transaction through Post Office ATM is ₹10,000.

3) India Post or Department of Post offers free transactions to its customers at all Post Office ATMs.

4) Post Office also offers free transaction to its customers at all Punjab National Bank ATMs

5)Post Office allows three free transaction in a month when its debit card is used at other bank's ATMs in metro cities.

6) India Post allows 5 free transactions in a month when its debit card is used at other bank's ATMs in cities other than metros.

7) In metros as well as non-metro cities, the prescribed limits are inclusive of financial and non-financial transactions.

8) India Post customers have to pay certain charges for financial and non-financial transactions at other bank ATMs after they exceed the prescribed limit.

9) At other banks' ATMs, any financial transaction beyond the prescribed number of free transactions will be chargeable at ₹20 plus applicable GST (Goods and Services Tax), according to India Post.

10) At other banks' ATMs, any non-financial transaction beyond the prescribed number of free transactions will be chargeable at ₹8 plus applicable GST, according to India Post.