Postal Rulings: CWFGDS 2026.pdf

UPS

19 Feb 2026

No. 20-09/2019 -WL & Sports

Government of India

Ministry of Communications

Deparlment of Posts

Welfare & Sports Section

x****

Dak Bhawan. Sansad Marg

New, Delhi - 110001

Dated:. ll .02.2026

OFFICE MEMORANDUM

Subiect:- Circle Welfare Fund for Gramin Dak Sevaks (CWFGDS) - reeardins

Consequent upon the appror,'al of the competent authorit_"-'" a detailed revised scheme namely' 'CWFGDS'as mentioned below'is being circulated for necessary action. This shall supersede O.M. No. 20-0912019 -WL & Sports dated 11.09.2024 regarding scheme of Circle Welfare Fund fbr Gramin Dak Sevaks.

1. NAME OF THE SCHEME

1.1. The Scheme w'ill be know'n as Circle Welfare Fund for Gramin Dak Sevaks (cwFGDS).

1.2. The CWFGDS will be controlled bv the Chief Postmaster General. 1.3. In order to decentralize the implementation of the Scheme and to ensure fast decision making it has been decided to delegate the powers at regional level in respect of Gramin Dak Sevaks Fund to Regional PMGs. Thus" w'hile the Regional Funds will be operated at Regional Level. there will be onll'one single Circle Fund and the proportionate amount pertaining to region will be operated by Regional PMG under the overall control of the Head of Circle. Every Regional PMG should as on l't April of every year be intimated the amount of fund available fbr operation lor regional implementation after an audit of the disbursal. payment received, payment made from the fund has been done by an Accounts Officer of the Circle nominated bv the CPMG.

2, OBJECTIVE

As on 31.03.2024. there are a total of 2.67.836 Gramin Dak SerrLks (llDS) who manage the rural Postal Netnork ol'I.39.891 Branch Post Offices in the Country'. 'Iheretbre. in order to look atier their welthre. a Circle Welfare Fund has been sel up which will be utilized exclusil ell' fbr the Welf are ol(iramin Dak Sevaks. The Fund u ill be managed and operated at Circle level b-v the respective Heads olCircles.

3. SCOPE OFTHE SCHEME

The Scheme is mandatory and is applicable to all regularll engaped C ramin Dak Sevaks working in the Postal Circles. The Scheme u'ill not cover the sub:titut(). working in place of GDSs. on leave anangement and provisionalll engaged GDS.

4. BYE- LAWS

The b1 e-lar"'s of the Schem!' are attached as Annexure-A.

5. SUBSCRIPTION

The subscription to the tund by everl (iramin Dak Sevak will b: at the unifbrm rate of Rs.40 per month. The annual subscription of Rs. 480/- will be rec rvercd in one lump sum in the month of April (TRCA of March) er ery' y ear to minimize the a()counting work. In case of newl.v engaged GDS. the annual subscription will be r:cov.:red from his first months' TRCA" on propo(ionate basis i.e. at the rate of Rs. 40 per lnontlr fbr all the months up to the tjnancial lear end irrespective of the date on n'hich GDS join:r in a month.

6. COMMENCEMENT OF SCHEME

The Scheme r'r'ill come into fbrce rvith efl'ect fiom date of issue. Srrbscription will be regulated as per Para 5 ol'the Scheme.

7, RECOVERY OF SUBSCRIPTIONS FROM MEMBERS

The Annual subscription w'ill be recor ered iiom all the eligible Gramin Dak Sevaks by the Accounts Branch olthe Head Post Office. The Head Post OfIice v ill rc mit the collections to the Treasurer ol the Managing Committee. along n'ith the list of nrembers. category wise. under intimation to their SSP/SP/SSRM/SRM etc. Similar procedrrre ma1' he adopted mutatis mutandis in case ol SRO/[{RO of RMS. The Accounts Branch of the Head Post Office should maintain the register ol GDS and ensure recover)' (:ver) vear in the month olApril in one lump sum.

8. APPLICATION

8.1. The Gramin Dak Sevaks will apply fbr flnancial assistance under the Scheme in the prescribed Performa. The Controlling Authority' and Divisional Head should report the fact of the death of the members at the earliest along w'ith an application and attested copl'of death cerlificate to the Secretarl' of the Managing Committee, duly certiS.ing the f-acts of the regular contribution paid by the deceased. In case of accidental death. the additional details in the prescribed Forms as required are to be obtained and forwarded for Financial Assistance. In case of Major Surgical Operations. the Forms and details be forwarded dull' supported by er,'idence of operation and certificate etc.

8.2. The applications will be decided on first come first serve basis. The date to be taken into account will be the date of application of GDS. The applicants cannot be held responsible for administrative delaf in foru,arding his case to Divisional office. Thus. in the Circle/Regional office the date of submission of application by GDS to his controlling Ofllcer will be taken as date of priority.

8.3. The Divisional Heads after verification will forward the application of GDS clearly' giving remarks as'Recommended'or'Not recommended'as the case may be along with the justification in brief. In the Regional Office/Circle Office. all the applications will be scrutinized once again and applications fulfilling all criteria willbe retained fbr submission before the Committee competent to decide the matter. The Committee should comprise of minimum three officers from RO/CO. The non-eligible applications of applicants will be returned to the Divisional Heads, mentioning the ground/reason for the same.

8.4. The Committee will meet once in three months i.e. all applications received lrom January to March will be decided in the meeting held in April. all applications received from April to June will be decided in the meeting held in July. all applications received from July to September will be decided in the meeting held in October and all applications received fiom October to December will be decided in the meeting held in January. Formal minutes will be issued and circulated to all Divisional Heads.

9. ADMINISTERING OF SCHEME

9.1. The Circle Welfare Fund lor Gramin Dak Sevaks (CWFGDS) shall be managed by the Managing Committee as per clause 10 of the by'e lar,r's. The Head of Region will be the final authoritl. in deciding the cases of financial grants to the GDS in the Region. How'el'er. the Head of the Circle will be the coordinating and final authorify- in resolving all the matters related to the Scheme/grants/assistance in the Circle. The decision of the Head of the Circle in all matters regarding grants to eligible GDS will be final.

9.2. The pouers to make anl changes in the scope olthe Schene u'll lie onll'with the Director General. Poslal Sen ice:.

9.3. lt ma1 be ensured that at least t\\o representatives of Staf'f [)nior oIGDS or in case there are no such stalf representatives then an)'two GDS having grod knou'ledge of Welt'are Schemes/rules and ability to present the cases of other (,DS rtre included in the GDS Wellare Committee as Members at Circle and Regional level while scrutinizing and deciding the cases.

IO. ELIGIBILITY

All Gramin Dak Sevaks are eligible fbr benelits subject to the condition that thel' have been dull'engaged bl the competent authoritl in accordance to the laid Jo*n procedure ol the Department and the engagement orders olthe GDS are available on record. I1. CONTRIBUTORYSCHEME:

I l.l. The Scheme will be contributory in nature. with a compon.:nt oigranlin-aid trom Central Postal Wellare Fund of the Department.

I1.2. Each (iramin Dak Sevak will contribute Rs. 40 per month rrnd annual subscription of Rs.480/- will be recor ered in adrance in one lump sum in April e. ery' )'ear from the TRCA ol March. As example: -

(a) Amount per month to be contributed bl each GDS emplo.vee -

Rs 40/-

(b)

lYearl) contribution -

Rs.'l0X l2 = Rs.480

(d) GDS entering sen ice at age ol l8 years and retiring at 65 years i.e. total 47 lears \\,ill contribute an amount of

Rs.:180 X I 0. 100-Rs.48.00.00 Rs..{80 X.l7-, Rs.22560

I2. GRANT IN AID FROM THE CENTRAL POSTAL WELFARE FUND

An amount of Rs.200 per GDS per )ear (on the basis of actual rvork,ng GDSs) will be granted lrom the Central Welfare Fund to each Circle as one-time Anntral contribution on recurring basis. For example. if a particular Circle is having 10"01)0 G'amin Dak Selaks

working as on 3l't March of that particular r.ear then Rs. 20.00.000/- (10.000* Rs.200:Rs20"00"000/-) will be contributed b1 the Central Welfare Fund of the Directorate to that Circle lor the Financial Year f-alling thereafter.

13. THREE COMPONENTS: -

The Circle Welfare Fund for Gramin Dak Sevaks will have three main components as under: -

(i) Financial Grant - The details are gir.en in Para 14.

(ii) Financial assistance by way of loan of lower rate of interest @ 5% or @ 3oh per annum. The details are given in Para 15.

(iii) One time repayment at the time of retirement - The amount will be granted to those GDS who have not al'ailed any'financial assistance. The details are given in Para 16. 14. FINANCIAL GRANT -

14. 1. Under this Scheme the Financial Grant will be provided under following heads/items: -

I Financial Assistance to families of deceased GDSs to meet immediate expenses following death. irrespective of whether death occurs during dutl'/outside duty hours.

Rs. 11.000/-

Financial Assistance in case of death due

to terrorist or extremist activify" while on duR

Rs.1.65.000/-

J Financial Assistance in case of death of GDSs due to terrorist or extremist activity' while not on duty.

Rs. 13,200/-

4 FinancialAssistance in case of death of Rs.27.500/-

GDSs while being on duty due to

accident.

5 Funeral Expenses on death of GDS (payable in cases in which last rites of deceased GDS are performed by'brothers

5,500/-

or sisters or near relatir es in the abscnce of any other next of kin)

6 Financial Assistance in case of major surgical operations in ailments. like Cancer. brain haemorrhage. kidnel failure/transplant. heaft surgery etc.

7 Financial Assistance in case ol accident ol(illS rrhile being on duq. requiring hospitalization fbr more than three dal s

8 Financial Assistance for nutritional diet to GDS suflering from TB (onl1' once for a maximum period of six months.

provided the GDS has put in at least six years of serl'ice & treatment is taken in government hospital.)

. 22"000/- up to 3l 03.2026 . 30.000/-(u.e.f. 0 1.04.2026)

.5.500i -

ndoor Treatment - R;. 440 p.m. tdoor Treatm(:nt - ls. 220 p.m.

9 Grant ol Scholarship under educational Schemes to the children of GDS (as per existing terms & conditions).

II'I- AIIMS and IM Technical Educatior (i) Degree

(ii) Diploma

Non-Technical Degree

BA/BSc/B.Com

Degree in fine Arts ITI Cer1iflcatt: C oursr:

I100/pm

Rs.-308/p.m. Rs.209/p.m.

Rs. 165/p.m. Rs. 1034/p.a

10. for excellence in academic I't Position in the ievement for 1Oth and l2th class ircle/Region- Rs.l.l00/-

Position in the

ircle/Region- Rs.8,80/-

Position in the

ircle/Region- Rs.7.70/-

'h Position in the

ircle/Region- Rs.6.60/-

Position in the

ircle/Region- Rs.5"50i

I l. Scholarship for physically handicapped

children of GDS (for maximum 8,vears & as per the existing terms & conditions)

t2 Maternity Grant to woman GDS

I3 FinancialAssistance in cases of natural calamities. like fire. floods etc.

t4 Financial Assistance to GDS suffering from COVID

Rs.220 p.m

Deleted

per letter No. I 5- 1/20 I 6-WL&Sp 29.08.201 8 this assistance is by' O.M. No. I l-3112016-

27.06.2018 issued bv

shment Dir,.ision.

,500/-

50000/-

to Order No. 20-8/2020-

Sports dated I 5.09.2021 )

Itett., consideration of grar iq of the

bf the Head ol'Circle)

lcase

14.2. The above-mentioned financial grants will be subjected to and grverned by terms and conditions as enclosed at Annexure B.

14.3. An indir,'idual will be eligible onll'once for financial grant undr'r a particular head and cannot appll more than one time for the same purpose fbr Sttr,e perSon. 15. REPAYABLE LOAN SCHEME

l5.l Elieibilih' and Rate qltnterqst

Under the Scheme. GDS shall be eligible tbr grant of loan at a lower ratr'of simple interest. subject to a maximum loan amount of 11.00.000/-.

The loan ma1' be granted for the fbllowing purposes:

sl.

No.

Purpose

Provision

(i) Construction of one room with flush toilet facilities fbr housing the Branch Post Office

(ii) Purchase of Computer/Laptop to encourage computer literacy among GDS

(iii) Purchase of Moped/Scooter/Motorcycle to facilitate official duties such as BO bag exchange. visit to Account Office, etc.

Purchase of Electric Two-Wheelers (new provision)

(iv) Purchase of Mobile/Tablet

rs0,000/- @ s%

120.000/- @ s%

<20,000/- @ 5%

<50.000/- or 80% of the total cost of the v:hicle. u,hichever is less 'A,30 simple interi:st.

t1s.000/- @ s%

15.2 Number of Loans

The GDS will be eligible for loan on maximum two occasions in his entire career with a maximum ceiling of Rs 1,00.000/- subject to the condition that previous loan amount has been fulll'repaid and there is no outstanding loan against the GDS.

15.3 Sanctioning Limit from Wellare Corpus

Circles are allowed to sanction loans up to 40oh of the GDS Welfare Corpus (i.e. in contrarention of the prescribed limit of 25%). provided the Circle Wellare Fund has a minimum balance of t50.00 lakh: otherwise. the existing limit of 25oh may be applied. 16. ONE TIME REPAYMENT AT THE TIME OF RETIREMENT _

16.1 A GDS who has not claimed any'kind of assistance or grant from Circle Welfare Contributory Fund in his entire service w'ill be paid a lump sum amount at the time of discharge from duty. The slabs fbr payment will be as under: -

S. No Serr,'ice

lAmount

to be paid

(i) Less than 5 years

lNo

a'nount

( ii) 5 years from the date of start of contributionlns. toooz- (iii) 10 t'ears from the date of start of contributionIns. zooor-

(iv) 1 5 y ears from the date of start of contribution Ins.

:ooor-

(\ ) 201.ears from the date of start of contributionln'. +sooz- (vi) 25 y'ears fiom the date of start of contributionln'. ssooz- (vii) 30 years from the date of start of contributionlns. osoor- (viii) 35 years from the date of start of contributionln.. aooor-

(ix) 40 years from the date of start of contribution lns.

oooor-

(x) More than 45 years from the date of start of contributionlRs. t 1000/- I

17. SANCTIONS FROM THE FUND

The Sanction orders will he issued b1 the Chief PMGs/ Rer:ional PMGs. However. the Regional PMGs uill. at the end olthe lear submit a list of ofll;ials along n'ith amount granted under the Circle Welthre Scheme to the Chief PMG tbr information. In case of pa1'ment offuneral expenses. the palment ma1 be ordered b1 the local ci)ntrolling authorit)

pending ex-post tacto sanction b1 the competent authoritl.

IIt. AUDIT OF GDS WELFARE FUND

l8.l The Regional PMG at the close of each Financial Year shall submit to the CPMG. the Accounts of receipts and expenditure latest b1' I 5th April. This ,:xerc ise w'ill be done by CPMG also in respect of'Dilisions/ Units under his direct contr,rl. T rereafter the Chief PMG rl'ill send the consolidated Accounts fbr the Circle as a uholt: dull audited in respect of Circle Wellare Fund for GDS to the Director (Welfare & Sports) in the Directorate.

18.2 A certilicate that the GDS Welf'are Fund fbr the Year has been audited and tbund correct shall be furnished to the Postal Directorate q'ithin one morth of Auditing of Accounts.

I 8.3 The accounts ol the fund shall be audited annually bl' the F3:C A .rdit/ bl any person authorized by GM (F)z DAP. as the case ma1 be. in the Circte on or befbre 30'h June of each Year.

18.4 The accounts of the funds shall also be checked annualll by .he Internal Check Organization ol the respective Circles belore the Audit Inspection takes place. 19, MISCELLANEOUS

19. I The disbursement ol amount to the GDS after due scrutin)' a:rd approval olthe competent authority'u'ill be made through issue olsanction orders.

19.2 The amount contributed fiom the TRCA of GDS nill be deposited in a separate Savings Account.

19.3 The Annual Grants lor GDS Category, u'ill be disbursed from tre Central Welfare Fund of the Directorate to the Circle Weltare F und lbr GDS. However. in case of any ambiguitl in terms. conditions and anl other aspect of Scheme. particul,rrll.. u,.r.t Financial Grants. listed under Para l4.l of this order. the action/ decisir,n shall be guided and govemed by various orders. issued bl the Directorate. on the itemr subject and w,hich may further be issued in future.

19.4 Orders containing provisions about da1'to da1' administering of Scheme. terms and conditions fbr grants/ loan and Proforma of various applications/ forms are enclosed in annexures.

20. This issues with the concurrence of JS&FA with diary no.23212025-261FA-CS(P) dated 10.02.2026 and administrative approval of Director General (Postal Services).

tt^r",e

Sunita

Director (Welfare & Sports)

All CPMsG

All PMsG

All Staff Union

Copy'tol. PS to Hon'ble Minister of Communications/PS to Hon'ble Minister of State for Communications.

2. PPS to Secretary (Posts)/PPS to Director General Postal Services.

3. All Members of Postal Services Board.

4. Sr. DDG (PAF)/ Sr. DDG (Vigilance) & CVO/ MD&CEO. IPPB/Director. Rafi Ahmed Kidwai National Postal Academy. Ghaziabad.

5. All DDsG/GMs/Secretary (PSB)/JS&FA

6. GM (CEPT). Mysore, w'ith a request to upload the order in India Post Website. 7. All General Managers (Finance)/Directors Postal Accounts/DDAP. 8. All Directors. Postal Training Centers.

9. All Sections. Dak Bhawan (Through E-office Notice Board).

10. Guard File.

Panw'ar

Section Ofllcer (Welfare and Sports Section)

ANNEXURE-A

BYE LAWS TOTHE SCHEME OF GRAMIN DAK SEVAK CIR.CLE WELFARE FLJNI)

l. Name:

The Scheme shallbe know.n as "Gramin Dak Ser,aks Circle Welfare Fun,l". In the following clauses it is also ref-erred to as. "the Scheme" or "the Fund" or "GI)SC\VF"

2. Obiective:

The objective of the Scheme is to provide financial assistance to .he C ramin Dak Sevaks in their need of hour.-[he Scheme will be subject to review by DG Posts fbr revising the amount and scope to cover more kinds of assistance as the situation may demand.

3. Membership: -

3.1. The membership of the Scheme shall be mandatory fbr a I the regularly engaged and serl'ing GDS.

3.2. This is subject to the condition that the Scheme will not co ver tlre persons working as substitutes in place of GDS/provisionalll'engaged GDS.

3.3. If an1'GDS. who is a member of the Scheme is under pul off rlufy'. may continue the membership by' paying the subscription regularll' for the periorl.

3.4. The membership of the Scheme shall be r,'alid as long as the subscription is paid and shall cease when a GDS member reaches the maximum age o1'serr,'ice i.e. 65 years. [n cases of non-recovery of subscription due to administrative reas,ons. the same shall be recovered in subsequent months without anv interest. If the non-recov:ry of subscription is due to any reason attributable to the GDS then the subscription shrrll be recovered in subsequent months ll,ith penal interest of Rs. I /- per month. per instalmr:nt of subscription. If the subscription is not recovered continuousll'for (6) six months w.ithout valid reason" the membership shall stand terminated and no benet-rts shall be payable rnder the Scheme.

3.5. A Gramin Dak Sevak shall cease to be col'ered b1' the Scheme a rd in consequence, forfeit all entitlement of an1 benefit provided bf it r.vhen he/she -

(a). Is discharged on attaining the age of 65 years or is got discharged from service by the competent authoritl,' befbre the prescribed age of discharge or on invalidation on medical grounds.

(b). Is removed or dismissed from service by any authoriry- competent to order such removal/dismissal or his services are terminated.

(c). Resigns from sen-ice.

(d). Is reported defaulter due to any reasons. w'hatsoever.

3.6 Those GDS who are discharged from their post due to reduction of post (s) shall continue to be entitled to the benefit of relief from the Scheme up to a maximum of one year after the date ofl their discharge provided. they continue as members by paying the contribution regularly for the period.

4. Definition

Under this Scheme, unless the context otherwise requires: -

(a). "Subscription" means the prescribed amount as determined lrom time to time that shall be payable by Gramin Dak Sevak as member of the Scheme, for enrolment or continuance as a member.

(b) "Committee" means the Managing Committee constituted under clause 10 of the Bye-Laws.

(c). "Members" means all eligible Gramin Dak Sevaks in the concerned Postal

Circle paf ing subscriptions as provided under clause 8 of the B-l'e-Laws. (d) Fund means the total sum of subscription paid by the members together with the interest on balance/inl'estments and an)' grant w'hich ma1' be received for the purpose of the Scheme. This also shall include an)' amount collected by means of donations, sale of tickets for benefit shows and advertisement charges realized b1-'issue of souvenir etc. (e). The CPMG will be final deciding authoriry' in case of GDS working in the area directl,v under the control of CPMG as well as all matters regarding GDS in the Regions and ref-erred to him by Regional PMGs.

(0. Wherevsr the term (iDSBPMs hare been mentioned uill also irrclude GDSSPMS (g). Accident means an incident duc to uhich hufi or iniury is cause,l to lhe bod) which may cause death.

5. Commencement of the Scheme

The Scheme shall be eff'ective from the date of issue and made mandaton' tbr all Gramrn Dak Sevaks stafl-.

6. Refund

No refund or amount subscribed to the Fund shall be allorved tbr anl reasons. r'lhatsoever. However. the amount credited to the Fund due to $rons recoven'or lx mistake may be relunded.

7. Elieibilitr'

All the GDS eligible as per Clause 3 of the B1'e-Laws as on the cate r;ill be members ol the Scheme and the Annual Subscription in terms of clause 8.3 ol the By'e-Laws u'ill be recovered annualll lrom their pa1. For the (iDS engaged during an1' ti ne olthe )ear. the pro-rata subscription u,ill be deducted liom his TRCA tlom the rnontlr of joining. to the financial 1'ear (up to March) end.

8. Finance of the Fund

Ll. The finance ofthe fund shall comprise olsubscriptions lronr mernbers. grant-in-aid fiom thc Central Welfare Fund and amounts collected b1'the comnrittet under clause 8.5. 8.2. The subscription to the Scheme shall be the same fbr all m:mbt rs as prescribed in clause 8.3. irrespectile of the category ofthe GDS.

8.3. The rates ofsubscription uill be as under :-

Rs.480- Per annum in respect of all Gramin Dak Seraks.

8.4. The annual subscription w ill be recovered in one lump sum rn April every y ear tiom the 'IRCA ol March to minirnize the accounting w ork.

8.5. The Managing Committee ma1'raise additional finance fbr :his \Velf-are Scheme by raising donations. sale ol tickets ol benetit shorvs. bl issue o1'a s,ruvenir rvith paid advertisements or b) an) other means approved b1 Head olthe Circle ltr the purpose.

9. Nomination

9.1. The nominations. as furnished by the GDS atthe time of engagement will be the valid nominations fbr the purpose of this Scheme; unless revised option is exercised consequent on the nominee pre-deceasing.

9.2. If a member has a family'. the nomination shall be only'in f-avour of an1'member of his/her family. A nomination made in lavour of a person other than a family member when he/she has a f-amily'will be deemed to be invalid.

9.3. If a member has no family. he/she mav nominate any person to receive the relief lrom the Scheme. How'ever. if he/she acquires a flamily' later on, the nomination given earlier shall automatically' cease to be valid. [n such a case. the member/employ'ee shall furnish a fresh nomination.

9.4. Family forthe purpose of this Scheme shall be as defined in Department of Posts Gramin Dak Sevak (Conduct and Engagement) Rules. 2020.

9.5. In the event of death of Member, if there is no Nomination and if the family member do not express consent unanimouslf in far,'our of the claimant. the President of the Managing Committee may sanction the amount in favour of all the family members in equal shares.

9.6. If the nominee is a minor. the relief shall be paid to the surr,'iving parent provided the minor is in his/her care and custody. If the minor nominee has no surl'iving parent or if the minor is not in the care and custodl' of the surl'iving parent. the amount of the relief may be made to the de-facto guardian having the care and custody of the minor nominee, on production of guardianship certificate.

10. lVlanagingCommittee

10.1 The Circle Welfare Fund for GDS (CWFGDS) shall be managed at Circle level by the Managing Committee consisting of the follow'ing office bearers and members-

(i) President

lCt

iet' Postmaster General

( ii) Vice-Pres ctor Postal Services. (Headquarters)

( iii) Secretary

lassi

stant Director incharge of Welfare & Sports in Circle Office

(iv) Treasurer n'counts Ofllcer in Circle Ofllce

\) M cmbcr- l I)S StafT L.lnion member tiom the Circle

(r i) Member- ll

DS Staff Union member fiom the Circle

10.2 All the ofllce bearers of the Managing Committee u ill re e::-ofllcio membersl therefbre" there shall be no prescribed term tbr the Managing Committi:e.

10.3 At the Regional level the Fund shall be managed b1' tht: Managing Committee consisting of the ibllow'ing oflce bearers and members

(i)

lPresident lPostmasterGeneral.(Region)

l(ii)

Vice-President

Director Postal Serr ices. (Region)

(iii) Secretan (iv) Treasurer (v) Member-l (r i) Mcrnbcr- II

sinl

ssistant Director incharge of Welthre & Sport Leeional Olllce ccounts Ofllcer in Regional Olfice

ominated GDS/GDS Staff Llnion member tiom th,: Region ominated GDS/GDS Statf L.inion member lrom th,: Region

10.4 All the office bearers of the Regional [-elel Committee will bc e:r-ol]icio members: thereflore" there shall be no prescribed term ibr the Managing Committe c. l1 Duties of Manasins Committee

I 1.1 President: -

The President shall be the Head of the Managing Committee antr shall preside over the meetings. He uill also decide disputed issues and cases related wi h the Scheme. He shall accord the sanction ofreliefTgrant fbr various items lrom the lund n accordance with provisions. atier satisfi ing himself that the claim is genuine and in order.

I l.l Vice President: -

He uill assist the President in all the lork relating to this Schenle

I t.3

Secretary: -

(i). He uill ensure smooth and proper implementation olthe Schem,:. I{e shall anange the timeh'meetings of the Managing Committee and bring to its notice all matter requiring its consideralion. He shall conduct all conespondence on beralf ol the Managing

Committee and also receil'e and process claims and representations for grant of relief from the fund. He shall record or arrange to record the minutes of the meetings of the Managing Committee.

(ii). The bank account of the fund shall be operated by the Secretary together with the Treasurer.

(iii). After the approval is given by the President to a claim lor relief from the fund. the Secretary shall issue sanction for payment of the relief-. The Secretary and Treasurer are jointly'authorized to sign cheques fbr pay'ment of grant and to incur other expenditure. in connection with the implementation of the Scheme.

I l.rl Treasurer: -

The Treasurer shall be responsible to the committee for the proper conduct of matter relating to finances of the fund. He/she shall be responsible for accounting of money' receir,'ed and pay'ments made out of the fund. He/she shall maintain receipts and payments made out of the fund. He/she shall maintain the accounts and vouchers and supply the relevant information relating to the fund whenever required b1" the committee. He/she shall promptl.v- remit to the bank all the Money received b1 him pertaining to the fund. On receipt of sanctions. he/she shall arrange remittance of relief promptly. He/she shall operate the account jointly with the Secretarl'. He/she shall bring to the notice of the Secretary' and committee all matters relating to the finance of the fund that may' require their attention and particularly the irregularities which come to his/her notice.

12 Honorarium: -

12.1 The rate of honorarium payable to any person. other than Treasurer and Auditor. attending to the work of the fund ma1'be decided by the Managing Committee.

12.2 Taking into consideration the work involved in managing the Fund" Treasurer and Auditor may be given honorarium as under -

Treasurer : Rs. 5.000/- Per annum

Auditor : Rs. 1.000/- Per annum

l3 Auditine Accounts

Within two months of the end of each financial l'ear. the auditing work rvill be done by the IFA, O/o the Chief Postmaster General or by any agency/officer appointed by the Managing Committee. The auditor so appointed will certifo the correctness of accounts along with comments. if any. The report of the auditor shall be placed before the committee

soon alter the completion ol the audit. i.e. u ithin three months of the t:nd of the financial year.

l4 Investment of Funds

Surplus funds. not required lbr immediate utilization ma1 be invested to the best advantage of lund as decided b1 Managing Committee" only in Gcvt. financial institutions or Nationalized Banks.

15 Amendments to the Scheme

All por.lers regarcling amendment in an1 paft of the Schene. irr the larger interest olthe members. rests with the Director General Posts.

ANNEXURE.B

Guidelines/Terms and Conditions for grant of financial assistance and grant of loan under Circle Welfare Fund for GDS

As mentioned in Para 19.4 of the scheme. the guidelines regarding implementation of provisions contained in the Scheme are issued here as under:-

2. The guidelines. terms and conditions gor,'erning Financial Grant under Para 14 of the Scheme are as under: -

The GDS will have to fill in an application in prescribed format. enclosed as Form

I (Annexure-C) fbr joining the Circle Welfare Fund fbr Gramin Dak Sevaks (cWFGD).

ll. For grant of flnancial assistance from the Circle Welfare Fund fbr GDS, an application shall be submitted in Form-ll (Annexure-D).

Since there is provision for a separate Managing Committee at the Regional and Circle Levels. therefore all the cases of financial assistance to GDS otficials will be processed and assistance granted by the Regions for the units under their control and similarly" Circle Ofhce will grant financial assistance to GDS officials for the units under its control.

iv. All the cases of flnancial assistance (except death cases of GDS) ma,v be decided on quarterly' basis.

3. The terms and conditions governing serial numbers (1) to (5) of Para 14.1 of the scheme. pertaining to death cases of Gramin Dak Sevaks are as under: -

i. ln case of serial number I & 5 of the scheme. the financial assistance to the family of deceased GDS may be released immediately by the Divisional Heads and thereafier ma1' be sanctioned by the CPMG/PMG w'ithout waiting tbr quarterly. meeting.

ii. Funeral Expenses on death of GDS is pay'able only' in cases in w'hich last rites of deceased GDS are performed by brothers or sisters or near relatives in the absence of an.v other next of kin.

iii. ln case of serial numbers 2" 3 & 4 under Para 14.1 of the scheme, the financial grant will be considered by the Regional/Circle level committee. as the case may be.

4. The terms and conditions gorerning serial numbers (6) tc (8) rlPara lzl.l of the scheme regarding illness ol Gramin Dak Sevaks are as under: -

(i). 'fhe CPMGs/PM(i are delegated with pouers to sanction lnancial assistance up to t30.000/- in each case ot'proved exceptional hardship arising out olstrious or prolonged illness or major surgical operations of GDS emplol'ees: and firranci,rl assistance up to {5.500/- in cases ofaccident u,hile on duq. requiring hospitalization lbr more than three davs.

(ii) The llnancial assistance tiom the u,ellare fund is fbr the purprse of meeting the incidental expenses like diet. cost of treatment. transport. etc. l his linant:ial assistance liom the Circle Wellare Fund is not to be mistaken rl ith reimburst:ment of medical bills/expenditure.

(iii) Each case of financial assistance should be decided on rrerit. ln rare and exceptionalll desening cases. r.rhere it is considered necessan to provide additional financial assistance bel ond the abo'r'e cited limits. such cases mil) be referred to Postal Directorate lbr consideration of additional grants. Whils fbnrarding such cases. the lollou ing points ma1 he kcpt in r ieu : -

a. Such cases should har e personal recommendation of concerned CPMsG/PMsG indicating the specific amount of assistance recommended i,nd nray be submitted in

Form- lll

(Annexure-E)

(b) Copies ol medical repofi and copies of bills ol expenditure to$'ards treatment should be enclosed:

Financial position of the concerned (iDS should be indicated. (d)

(iv)

Financial Assistance for nutritional diet to GDS sufferirrs frrrm TB

(a). For the period a GDS remains hospitalized fbr treatmenr of '-uberculosis as an indoor patient. he will be granted financial assistance of Rs..l40 per nronth for Nutritive Diet. Thereafier. when helshe is discharged fiom hospital and continue; to take treatment as an Outdoor patient. he/she w'ill be granted llnancial assistance ofRs. 220 per month for Nutritive Diet. [[olr'ever. the total period ofllnancial assistance. includir g both. Indoor and Outdoor treatment nill be limited to the maximum period of six mrnths.

(b). In case a GDS takes treatment of Tuberculosis as an Outdoor patient he will be granted financial assistance of Rs. 220 per month fbr a maximum period of sir months for the purpose of Nutritive Diet.

(c). GDS has put in at least six years of service in the Department. (d). This assistance w'ill be admissible to GDS on production of Medical Certiflcate from a Medical Officer of a Govt. Hospital or TB sanatorium for having taken the treatment fiom there.

(e). This assistance w'illbe paid to GDS from the date of application or the date on which disease becomes two months old. whicher,er is earlier.

(0 The application should be received within three months of detection of illness. No application will be accepted thereafter unless valid justification for delay' is provided b1' GDS.

(g). The application of GDS for grant of f-rnancial assistance lor nutritional diet is to be considered in case of treatment of self only.

5. The terms and conditions governing serial numbers (9) to ( I 1) of para-14.1 of the scheme regarding educational assistance for children of Gramin Dak Sevaks are as under:

(r). Grant of Scholarship undercducational Schemes to the children of GDS- (a) The minimum eligibiliry- of marks for consideration for grant of scholarship will be as under: -

(i). ln the case of grant of scholarship to the wards of GDS who have gained admission in IIT. AIIMS and IIM. the scholarship of Rs.l 100/- per month. w.ill be granted w'ithout any restrictions of minimum marks in qualiSing examination.

(ii). For granting scholarship under technical education category, of Rs. 308i- per month for Degree courses and Rs.209l- per month for Diploma courses. the minimum marks required in the quali$ing examination, based on which they are admitted to technical degree/diploma courses will be 85%. All the children of GDSs. having more than 85o% marks in qualifoing examination will be eligible for this scholarship.

(iii). As regards grant of scholarship of Rs. 165/- per month under Non-Technical Degree courses. the minimum marks required in the qualifl'ing examination based on which they' are admitted to the BA/BSc/B.Com/Degree in fine Arts courses will be 80%. All the children of GDSs having more than 80% marks in qualifying examination w'ill be eligible for this scholarship.

(ir'). For grant olscholarship of Rs. 1034,'- per annum. under ITI Cerificate Courses the minimum marks required in the qualilying examination based on which thel'are admitted to ITI Certificate Courses rlill be 65%. All the children ol GDSs having more than 65ok marks in qualifling examination rvill be eligible fbr this scholarship.

(b). '[he Scholarship once awarded u'ill be admissible up to the max mum period olthe prescribed duration olthe course and not tbr a period longer than rhat. (c). To begin ',r'ith. the scholarship rvill be awarded for the first 1'ear ofthe course and will therealter be subject to continuationr renewal every' )'ear ()ear-to.)ear basis) by the Heads olthe Circle/Region on the fbllowing terms and conditions -

(i). For the lirst lear olthe course. the Scholarship u,'ill be granterl on :;ubmission olcopy of admission cefiiflcate or enrolment number. issued by thc institute. t:opy ol mark-sheet in the qualil)ing examination (not applicable in case of admission in IIf/llM/AllMS) and prescribed application fbrm.

(ii). The scholarship will be reneu ed,'continued on productior of authenticated photocopies of tu o ceftiflcates -

A. . Photocopl' of mark sheet of'prcvious l ear's course.

B. . Photocop) of'certillcate that the student is promoted to class/semester bl the institution/universitl'.

next higher

(iii). For renew ali contin uation of scholarship. minimum 509/o mirrks ';hould be obtained in the annualieach semester examination. Horvever" in case olstudcnts cl II't/llM/AIIMS. the condition olmarks uill not be applied and the copl' ol certillc rte oltheir har, ing been promoted to next higher class u,ill be suftlcient for renewal ofscho larsh p. Ila student lails to obtain 50%u marks in the examination. the scholarship will be sto:rped till he secures 50% marks in the next semester, annual examination. I I a student is d,:tainr:d. the scholarship will be discontinued altogether.

(iv). The scholarship once aw'arded shall be reneu'ed ) ear-on-)'e? r basis. lor a maximum period ol the prescribed duration ol the course.

(v). [{ow'ever. the scholarship u ill automaticalll cease in the event of the GDS resigning lrom service i dismissed / removed / discharged on attaining the mrrxim tm prescribed age. (d). The child ofGDS should be pursuing the course as a regular stutlent (not part-time. correspondence etc.) in a recognized institute/universitl. ln case ol doubt. whether a

particular course is to be treated as Technical Degree. ref-erence may be made to the concerned authority' of the State/Central Gort. for clariflcation.

(e). Keeping in vierv the ar,'ailability of funds for scholarship. as expenditure is also involved on the renewal of scholarship sanctioned in the previous years. amount of the same should also be calculated under each categor,r,' and thereafter amount available for different category should be decided. Scholarships will be granted only to the extent to which funds are available. In order to ensure that more number of GDS employees are covered under the scheme of scholarship. not more than two children of a GDS will be granted the scholarship.

(0 The maximum amount which can be utilized towards granting scholarships in a flnancial 1'ear in Region/Circle shall not exceed 20oh.i.e. l/5tr'of the balance available in Circle GDS fund as on l't April of the year.

( II). Incentive for excellence in academic achievement for lOth and l2th class. (a). Five (5) ar,vards will be instituted for children of GDS in each of the following groups purell' on merit on the basis of marks in the 10'h and l2th Standard Board Examination. subject to the minimum percentage of marks shown against each group:-

Sl. No Class Minimum Percentage of

aggregate marks

I l0'h standard 85%

2 l2th Standard (Science Group) 85%

1J l2'h Standard (Commerce Group) 80%

4 12tl' Standard (Humanities Group) 80%

(b). A common Merit List fbr the units directll' administered b1'the CPMG and similarll'" a common merit list for units falling under the charge of Regional PMG will be drawn up separately for each showing the percentage of marks upto 2 decimals. Thus. separate Merit lists fbr regions and the units directll' administered b1'CPMGs *itt Ue prepared. The Merit List will contain names of students of all Boards (State Board. CBSE, etc.) subject to the

minimum percentage fixcd abore. The flrst fire students rlill be snncti:ned the arards as fbllon s: -

l't Position in the Circle/Region 2nd Position in the Circle/Region 3'd Position in thc Circle/Region

4'h Position in the Circle/Region 5tr, Posil ion irr thc ( ircle Reuion

Rs. 1.100 - 880'-

Rs.770'- s.660 -

Rs. 550 -

(c). Ilmore than one student obtains the same percentage of marks lo'an1' position then. all of them w'ould be given the auards. The number of awards will Le increased accordingly in such cases.

(d). Applications of GDS. whose children had appeared in Boa:d exrminations outside the Circle will be considered b1'the Circle/Region in which the GI)S is w'orking. (e). 'fhe awards under this scheme should be flnalized and anncunced belore 30'h September each 1 ear.

(lII). Scholarship for differently abled children of GDS - Sch,rlarslrips tbr difl'erently abled/Mentalll Challengedi Blindi Deaf/Dumb Children oIGDS u ll be eranted at the rate of Rs. 220/- p.m. subject to the fblkru ing conditions: -

(a). These scholarships *ill be granted lor a maximum period of 8 y,:ars. (b). It will be renewed e\ er) ) eat subject to the maximum per od ol 8 l ears provided that scholarship u'ill not be paid more than tr,l ice fbr the same ,:lass, standard. ln other nords. even ila child is not promoted to the next standard. scholar:;hip t:an be aw'arded for the first repeat )'ear.

(c). The scholarship will be admissible to Differently Abled Ch ildren. with permanent partial disabilit) of at least.l0%o. However: in case of totalll, Blind" 1)eaf &. Dumb Children. no such limit u,ill be applicable. l his should be supported b1 a certificate fiom a Gor.t. Medical Ofllcer.

6. 'Ihe terms and conditions gor,erning serial numbers ( l2 ) of I,ara- 14. I of the scheme regarding other kind olassistance to Gramin Dak Sevaks are as un(ler:-

(i) The financial assistance in case of natural calamities is to be provided only to those GDSs. u'ho are seriousll' aff'ected/ propertl' burnt by fire/propertl' damaged by floods/children's books have been destroved etc.

(ii). It is. thereflore. enjoined that all cases of f-rnancial assistance in case of natural calamities should be scrutinized u ith reference to aforesaid parameters in addition to a certificate from the Rer,'enue Authorities. All the claims should be got verified b1 deputing officers of appropriate level, so as to ensure correctness of the verification and financial assistance in those cases be granted where there has been real and substantial damage to properfy. No financial assistance should be granted in cases where there is no damage to the propertl'/books etc. even if the area has been declared flood aff'ected b1' the Revenue Authorities. In case of anf irregularities coming to notice on this count. the verif ing officer may be held responsible and noticed suitably'.

(iii). Onll' those GDSs whose mor,'able/immovable propert)' has been substantialll' affected or damaged in an area affected b1' natural calamitl' are eligible fbr financial assistance.

(iv). The concerned State Gor,'ernment should have declared the area as having been affected by' natural calamiry'. i.e. flood. drought. fire or cyclone. as the case may be. and granted similar advance/grant to their employees/people" in the area. (u). Application should be given in Form-lV (Annexure-F); r,vithin three months of the date of Government Orders declaring the natural calamiry-.

(vi). lf the official's declaration in the application regarding damage to his property is lound untrue. he is liable for disciplinary' action.

(vii) With reference to Para'14.3 of the scheme, the condition that an individual will be eligible only once for financial grant under a particular head can be waived in case of financial assistance for Natural calamir,"- and major surgical operations by' the concerned Management Committee in really deserving cases.

(viii) The concerned Management Committee may conduct Special meeting of the committee to decide financial assistance in case of floods and natural calamities. w'ithout waiting for quarterly meeting.

L The guidelines, terms and conditions governing Para-15 of the Circle Wellare Fund for GDS, regarding repayable Loan are as under :-

7.1, For construction of one room with flush toilet facilities lbr h,lusine the Branch Post Office.

a. Amount - A maximLrm amount of Rs.50.000/- can be g"ante J as loan.

(ii)Elieibilitv - For drawl of loan under this category the GDSBPIVI/GDSSPM should have completed minimum 5 (fire) )ears of continuous serr.ice as G)S. rrnd should have a minimum of 8 (eight) years of service left (i.e. not more than 57 )',lars of age). (iii) Conditions -

a. An application for the grant of loan for the construction ol Brattch Post Office Room with flush toilet fbcilities shall be made in Form- V (Annr:xure-G).

b. It will be paid only for new construction and not for repairs or renol'ation of existing room or purchase of alread)' constructed room.

c. The land should be available in the name of Branch Postmas.er. Loan amount cannot be utilized fbr purchase of land.

d. Utilizing the room fbr any' other purpose than housing the 3ran,:h Post Offrce will be construed as irregular attracting necessarl' action.

(iv) Construction --

(a). The loan will be provided lor construction of one room firr housing Branch Post Office with attached toilet facilitl'.

(b). Adherence to Plans - The construction should be exactll' ac,:ording to the approved plan and specification. on the basis of which the advance was sanctioned. (c). Time-limit - The construction should be completed within 6 morths of the drawl of loan. Extension of time-limit up to one month can be considered b',' PMG and beyond one month by the Head of Circle if the work is delay'ed due to circumstances bey'ond the control of GDS.

(v) Maintenance - The l]ranch Post Office Room shall be maintrLined in good condition b1 GDS at his cost.

(vi) Repavment of loan - The entire amount of loan together *'ith inter est is repayable in 56 (fifty-six) equated monthlf instalments (flor both principal amount and interest) (@ Rs. 1000/- per month.

(vii) Commencement of recovery - The recoven r,r'ill commence fiorr the TRCA for the month following the month of drawl of advance.

(r'iii) Manner of recovery - Recovery w'ill be afl'ected fiom monthll, TRCA. Recovery' cannot be postponed without the prior approlal of HoC.

(ix) Suretv - The surety' of two permanent regular departmental officials hal'ing more than 6 (six) years' service left (i.e. of not more than 54 1'ears of age) is necessary belore releasing the sanctioned advance or an)' part thereof which should be entered in Form-VI (Annexure-H).

(x) Insurance - On completion of construction. the Branch Post Offrce Room may be insured by the GDS at his cost against fire, flood and lightning for the full value of the Room.

7.2 For purQhase of Computer/Laptop to encouraqe computer literacy amongst GDS.

(i) Amount - A maximum amount of Rs.20.000/- can be granted as loan. (ii) Elisibilitv - For drawl of loan under this category the GDS should have completed minimum 5 (five) years of continuous service as GDS- and should har,'e a minimum of 5 (fir,'e) years of service left (i.e. of not more than 60 y'ears of age).

(iii). Conditions -

(a). An application lor the grant of loan for the purchase of a Personal Computer shall be made in Form-VII (Annexure- I ).

(b) The loan amount will be utilized for purchase of new Laptop/Computer. It shall not be utilized tbr purchase of old Laptop/Computer.

(c). Cop)' of bill/receipt for purchase should be produced b"v GDS within a month of purchase or within two months from the date of drawl of the loan" failing which penal interest @ 12% per annum from the date of draw'l of the loan to the date of production of bill/receipt will be levied. If the delay in submitting the bill/receipt is not attributable to the Gramin Dak Sevak. the penal interest is not to be charged for the late submission of billireceipt.

(iv). Repayment of loan - The entire amount of loan together with interest is repayable in 21 (twenry"-one) equated monthly instalments (for both principal amount and interest) @ Rs. 1000/- per month.

(v). Commencement of recovery - The recovery will commence from the TRCA for the month following the month of drawl of advance.

(vi). Surett' - I he suret) of tu'o GDS emplo)'ees having more th rn 5 r five) 1'ears' sen,ice left (i.e. of not more than 60 1'ears of age) is necessary' before releasing the sanctioned adr,'ance or an)'part thereof which should be entered in Form-Vl (Annexure-H).

7.3 For purchase of moped/scooter/Motor cvcle which will also facilitate travel while discharging dutv like exchange of BO Bas. visit to AccorLnt O ffice etc. (i) Amount - A maximum amount of Rs. 20.000/- can be grarrted iLs loan

(ii). Elieibility - For clrar.rl of loan under this category the GDS shorrld have completed minimum 5 (file) )'ears of continuous sen ice as GDS. and should ha''e a minimum of 5 (five) years of service lefi (i.e. of not more than 60 y'ears of age).

(iii). Conditions -

(a). An application fbr the grant of loan fbr the pu:chase of a Personal moped/scooter/motor cy'cle shall be made in Form-VII (Annexure-I). (b). The loan amount will be utilized fbr purchase olnew mopediscooter/Motor cycle. It shall not be utilized for purchase ol second hand or old moped/scoott:r/Motor cycle. (c). The loan w'ill not he granted if the vehicle has been purchased already and paid for. Purchase of the l'ehicle should be made within one month lrom the drte of drawl of the loan.

(d). Copy of Registration Cerlificate (R.C.) of the vehicle in hi:; nanre and of insurance of vehicle should be produced b1 GDS w'ithin a month of purchase or w'ithin two months from the date of drawal of the loan. failing which penal interest 'i l2"ts per annum from the date of drawal of the loan to the date of production of RC will be levied. If the delay in submitting the RC is not attributable to the Gramin Dak Sevak. th,: psr.1 interest is not to be charged for the late submission of RC.

(il'). Procedure for drawl of loan - Advance can be drawn after receipt of written assurance fiom the dealer that the suppll' of vehicle is likell to be available within a month and a certificate to this efl-ect is recorded on the bill tbr the advanc;.

Repayment of loan - The entire amount of loan together u ith irrterest is repayable

(r ).

in2

I (twenty-one) equated monthly' instalments (for both principal amo rnt and interest) @ 1000/- per month.

Rs.

(vi) eel4mencement of recovery - The recoven w'ill commerce lrom the'fRCA for the month follor.l'ing the month of drawl of adl'ance.

(l ii). Surefv - The surery' of tu,o GDS emplo)'ees hal ing more than 5 (f n e) )'ears' service lefi (i.e. of not more than 60 r,ears of age) is necessarl' befbre releasing the sanctioned adr ance or an) part thereof r,r hich should be entered in Form-VI (Annexure-H). (l'iii) The vehicle cannot be sold till repal'ment of principle and interest. Prior sanction of Competent Authoritf is necessary to sell or transfer the l'ehicle befbre repayment of the loan w'ith interest thereon.

7.3(a) For-Purchar of Eleeltric Vqhicles facilitatinq travel while discharqine duty like exchanse of BO Bas. vi to Account Office etc.

(i). Amount -A maximum amount of Rs. 50,000/- or 80% of the total cost, whichever is less can be granted as loan.

(ii). Eligibility - For drawl of loan under this category the GDS should have completed minimum 5 (five) years of continuous service as GDS. and should have a minimum of 5 (five) )'ears of sen'ice left (i.e. of not more than 60 y'ears of age).

(iii) Conditions

(a). An application fbr the grant of loan for the purchase of an Electric Vehicle shall be made in Form-VII (Annexure-l).

(b) The loan amount w.ill be utilized for purchase of new Electric Vehicle. It shall not be utilized lor purchase of second hand or old moped/scooter/Motor cy'cle. (c). The loan will not be granted if the vehicle has been purchased already and paid for. Purchase of the vehicle should be made within one month fiom the date of drawl of the loan.

(d). Cop)' of Registration Certificate (R.C.) of the vehicle in his name and of insurance of vehicle should be produced by GDS within a month of purchase or within two months from the date of drawl of the loan. failing which penal interest rA 12% per annum from the date of drawl of the loan to the date of production of RC will be levied. If the delay'in submitting the RC is not attributable to the Gramin Dak Sevak. the penal interest is not to be charged for the late submission of RC.

(iv) Procedure fbr drawl of loan - Advance can be drawn after receipt of written assurance lrom the dealer that the supply' of vehicle is likel,v to be available w'ithin a month and a certificate to this effect is recorded on the bill for the advance.

(v). Repa)'ment of loan - The entire amount of loan together r,r'ith irtterest is repayable in maximum 50 (fifu ) equated monthly instalments (fbr both principal irmount and interest as per the amount of loan ar.'ailed b1' GDS.)

(vi). Commencement of recover.l'- The recover)' lvill commenc,: tiorn the TRCA for the month following the month of drau'l of advance.

(vii). Suretl - The suretl' of tno GDS emplo)'ees having more thirn 5 (fir'e) years' service left (i.e. of not more than 60 y'ears of age) is necessary before teleasing the sanctioned advance or an.v part thereof which should be entered in Form-VI (Anne xure-H).

(viii) The vehicle cannot be sold till repal'ment of principle and interest. Prior sanction of CompetentAuthority is necessar-l'to sell or transf-er the vehicle trefbr: repayment of the loan with interest thereon.

7.4 For nurchase of Mobile /Tablet to encou rase comnuter liter:rcv amonsst GDS. (i). Amount - A maximum amount of Rs. 15.000/- can be granted as loan. (ii). Eligibility - For dran'l of loan under this categorl' the GDS shorrld have completed minimum 5 (file) )'ears of continuous engagement as GDS. and : houlC have a minimum of 5 (tive) )'ears of engagement left (i.e. of not more than 60 )'ears of a1le) (iiD. Conditions -

(a). An application for the grant of loan fbr the purchase of a mobile /Tablet shall be made in Form VII Annexure-I.

(b). The Mobile/Tablet bill should in the name of GDS. The loarr affr(,uht w'ill be utilized for purchase of new mobile /Tablet. It shall not be utilized fbr rurclrase of old mobile /Tablet.

(c) Copy of bill/receipt tbr purchase should be produced bv ,-iDS r,vithin a month of purchase or within tu'o months fiom the date of drawl of the loan. f riling which penal interest @ 12% per annum from the date of drau'l of the loan to tlre dare of production of bill and on the overdue amount for the period of detault. Receipt r.r, ll be levied. If the delay in submitting the bilU receipt is not attributable to the Gramin Dak Ser,'aks. the penal interest is not to be charged lor the late submission of bill/ receipt.

(iv). Repayment - The entire amount of loan together r.r'ith in:erest is repal'able in in 2l (twenty-one) equated monthly installments (lor both principal amount and interest).

(v) Commencement of recovery- The recoven' will commence f 'om the TRCA for the month following the month of drawl of advance.

(vi) Surety- The sure['of two GDS employees having more than 5 (five) years engagement left (i.e. of not more than 60 )'ears of age) is necessarl' befbre releasing the sanctioned advance or an,v part thereof which should be entered in Form-VI (Annexure H)

8. The general guidelines governing the Scheme regarding repayable Loan rate of will be as under: -

(a). All regularll' engaged GDSs whose orders of engagement are available on record will be eligible for Loan under this Scheme. Those GDSs u,'ho have served in APS and rejoined as GDS. their past service in APS will be counted fbr eligibiliq'. The sanctioning authorit)' should be satisfied about the GDS's likely' retention/continuation in service lor more than fir'e y'ears/eight years. as the case ma)'be. Other category of GDS (than BPMs) are not eligible lor loan fbr construction of one room rvith tlush toilet facilities for housing the Branch Post Ot1lce. under this Scheme.

(b). The loan under any of the three categories specified in Para-15 of the Scheme will be paid only once in entire working career of GDS.

(c). Priorir,v- to be given to those who have not availed any loan under the various categories listed in the Scheme" on the date of application.

(d). The loan should not be sanctioned or disbursed to an official who is under put off duty'. If loan has already' been sanctioned to him before he was placed under put off. he should not be permitted to draw the loan during the period of his put off. The loan will not be admissible to GDS if any disciplinary action is pendingicontemplated or any' criminal case is pending.

(e). The GDS w,ill be eligible for loan subject to the condition that outstanding balance. if an,v. in respect of a loan prer,iously'granted for any of three purposes cited in Para-15 of the scheme together with interest thereon. has been fulll'repaid and there is no outstanding loan against the GDS.

(0. Furnishing a false certificate will render the GDS liable to disciplinary action and he ma1' be directed to refund to the Department of Posts the entire advance together with interest accrued thereon. Further he shall become ineligible tbr any assistance/loan from the GDS Welfare Fund.

9. Failure in repayment-

(a) In the event of quitting service (resignation) belore repal'ment of loan. the outstanding amount to the extent possible is to be adjusted against the TRCA due. if any.

In the case of quitting service due to medical invalidation. supportr)d by a certificate issued bl Cir il Surgeon. the outstanding amount ma) also be ad.iusted fiom ex-gratia gratuiq. However. resignation may be accepted on clearance of the otrtstarding amount. The balance amount remaining unpaid is to be recovered t'rom suretl.

(b) Ilthe GDS lails to repal the balance oithe loan on or belole the date of retirement. or detaults on repalment due to an1 reason. the Department $ill be at liberry'to enforcc recover)' from ex-gratia gratuiq and/or b1 na1 ofrecovery tiom th: trvc otlcials w'ho have stood as suretl firr thc GDS. The department rvill be at libeq to reco,'er the outstanding dues of GDS. lrom pa-l- or an)' other admissible allou'ances of the enrploy'ees w'ho gal e sureties.

(c) In the event of untimell' death of GDS. the amount will be r ecovered lrom the nominees. out ol the amount ol pay' & allowances etc. due/accrued to Jeceased GDS and payable by the Department to nominee. The remaining outstandinrr am()unt. ilany. u'ill be recovered lrom sureties.

1 0. The Dir isional Heads rr ill cross check eligibiliq' criterit bef :re recommending applications and tbrw'arding cascs to Regional/Circle Offrce.

I L The Divisional Heads u ill obtain tiom each GDS an applicirtion in prescribed fbrmat. enclosed as Form-l (Annexure-C) fbr joining this schem,: alo rg with requisition letter and a declaration that he has gone through the B1'e Lals and terms and conditions goveming GDS Circle Well-are F und and accepts the same.

12. The GDS are eligible tirr grant of leave uithout allo*an:es (t.WA) as per GDS (Conduct and Engagement) Rules 2020. During the period ol L\\A n( amount is paid to GDS. If loan is paid to the GDS. the recor er1 of loan amount during the period of LWA will have to be deposited b1 the GDS ever) month.

I 3. The appror. al lor grant of loans during a financial l ear sho ild b r restricted to 2570 of the balance of the tirnd as on l" April. in the Region/Circle as tlre carie mav be.

14. An incentive ol Rs. 3.000/- per annum to the Dealing Assi:itant and Rs.1.500/- per annum to Supervisor in the Head Post OtTice lill be paid fiom the GDS Circle Welfare Fund. lbr handling this uork.

15. The rules governing Accounting procedure and maintenance ol records thereof in the Head Post Oflices are as under:-

(a) The GDS rrill submit application fbr loan to the Head of [)ivis on r.r,ho u,ill ger it verified by'Head Post Olllce records and Sub Divisional records/ Divisicnal Olllce records.

as the case may be. All applications received in a quarter rvill be processed and decided in CO/RO. as the case may be. latest by the subsequent quarter.

(b) The Head of Division r,r,ill maintain a Register of Loans fbr GDS in the Divisional Office. The Head of Dir..ision will fbrw'ard all applications fbr loan afier duly' examining correctness to the Head of Circle/Regional PMG.

(c) In the CO/RO the concerned branch w'ill submit consolidated list of applications fbr loans before the Committee. The funds position should also be brought on record. The maximum limits of utilization of funds (balance as on l't April of the y'ear) u,ill be as under:

(i)	Maximum up to 25% of Funds can be utilized for illness related cases. (Serial Numbers 6, 7, 8 & 14 of Para 14.1 of the scheme.
(ii)	Maximum up to 20% of Funds can be utilized for Education related financial assistance. (Serial Numbers 9, 10 & 11 of Para 14.1 of the scheme.
(iii)	Maximum up to 40% of the GDS Welfare Corpus can be utilized for the purpose of loans during the financial year on first come first serve basis provided the Circle Welfare Fund has a minimum balance of ₹50.00 lakh; otherwise, the limit of upto 25% of the fund may be applied ( Para- 15 of the Scheme)
(iv)	The remaining balance will be utilized for all other welfare assistance including Circle/Regional reserve fund for emergencies. (Serial Numbers 1 to 5 and 13 of Para 14.1 of the scheme.

(d) The Committee will conve)'its approval of assistance/loan through issue of minutes to the Divisional Heads. The Divisional Heads will issue sanction orders.

16. As per Gramin Dak Sevaks (Conduct and Engagement) Rules. 2020 it has been laid doll'n vide Para 27 under the heading Insolvency and habitual indebtedness that -

"A Sevak shall so manage his private affairs as to avoid habitual indebtedness or insolvencl'. A Sevak against whom anv legal proceeding is institutedfor the recoverr- of an.r debt &te from him or for adjudging him as an insolvent shall forthwith report the full facts of the legal proceedings to the Government."

Accordingll,. u hile considering cases lbr loan under this scheme. tlLe Committee shall keep this aspect in r ieu and can reject the application on this ground al,rne. 17. This scheme of C ircle Welf are Fund lbr (iDS u ill supersed: all he prer ious orders about GDS issued if anl and uill automaticalh stand discontinutd rlith the issue of this o.M.

ANNEXURE-C

(FORM-r)

APPLICATION FORM FOR JOINING THE CIRCLE WELFARE FUND FOR GRAMIN DAK SEWAKS (CWFGDS)

Information Details

I Name of GDS

2 Date of Birth

3 Date of completion of 65 1'ears of age

l Designation

5 Full address of Office where w'orking

6 TRCA being dras n

1 Name ofAccount Office

& name of Head Post Office

8 Name of Sub Division

9 Date of appointment

10. Whether regular appointment orders are. available? If yes, enclose copy thereof.

DECLARATION

I har,'e gone through the B1'e Laws. terms and conditions governing Circle Welfare Fund for Gramin Dak Sewaks (CWFGDS) and accept all the terms and conditions contained therein. I hereby give m,v unconditional consent for joining this scheme. I also agree to abide by all future decisions that may be taken or willbe taken in the matter. issued b1'u'ay' of any' amendment. clarification. modification to the Scheme b1' the Department of Posts.

(Signature of GDS)

Date:

Place :

ACCEPTANCE OF MEMBERSI]II

Particulars har e bcen checked. Membership is accepted / not accel;ted.

( Sienature ol' Di, isional Head/Unit

Head)

Date :

Place :

Strike off w'hichever is not

applicable.

(FORM-rr)

ANNEXURE.D

APPLICATION FOR FINANCIAL ASSISTANCE FORM CIRCLE WELFARE FUND FOR GRAMIN DAK SEWAKS (GDSCWF)

Sl. No. Information Details

I Name of GDS

2 Office of posting & post held

1J TRCA

4 Date of Eneagement

5 Date of Birth

6 Details of any previous financial

assistance under the GDSCWF

l Purpose fbr applf ing under GDSCWF

(Pl. enclose documents in support thereot)

8 Duration of Leave. if anr

9 Amount of financial assistance applied for

l0 Any' other relevant information

(Signature of GDS)

Date

Place :... .

Certificate & Recommendat ion of Controlline Authoriw

This is to cer-tilj that Shri'Srnt ... is a member cIGDS Circle Wellare

Fund & he/she has regularll contributed to the fund till

The

abor e particulars har e been checked and the Financial Assistance of'Rri ........ to the GDS is herebv recommended alier d.re r,e rification of records.

Date :. . .

Place:. . .

Signature of the Controlling Authoritl *ith Seal

(FORM-rrr)

ANNEXURE.E

PERFORMA FOR SUBMISSION OF CASE TO DIRECTORATE FOR GRANT OF

FINANCIAL ASSISTANCE BEYOND THE POWERS OF PMG/CPMG IN CASES OF ILLNESS OF DAK SEWAKS

Sl. No Information Details

PART-A

I Name of the GDS

2 Post held/TRCA

aJ Place of posting

+ Amount of Financial Assistance required I

5 Pl. Indicate details of nature of prolonged illness. major surgery etc.

PART-B

(i) Personal recommendations of concerned Head of Division indicating the specific amount for assistance recommended from Welfare Fund.

(ii) Copies of medical reports

(iii) Information regarding total expenditure on treatment.

Gv) Whether the treatment has been taken from Govt. hospital if not. reasons for taking

0) 0r]

atment tiom private hospital

lL.xpenditure on essential incidentals like I

l,runrRun..li.r .t. I

lFinancial assislance granted lrom Wellare I

lrrna in the past (ilan5, I

oii)

lFinancial

position ot'the concerned GDS I

(r'iii) An1 txhcr reler ant inlcrrmation

Date

Place:

Signarure of the PIvIC CPMC

ANNEXURE-F

(FORM-rV)

PERFORMA FOR GRANT OF FINANCIAL ASSISTANCE IN CASES OF NATURAL CALAMITIES

Sl. No.	Information	Details
1.	Name of the GDS
2.	Office of posting & posting held
3.	TRCA
4.	Date of Engagement
5.	Date of Birth
6.	Permanent Residential Address
7.	Present Residential Address
8.	Details of the property movable/immovable affected or damaged by the natural calamity – (Pl attach documents in support thereof)
(i)	Name of the place which has been affected by the natural calamity and the details of the property immovable as well as movable (to be shown separately) damaged
(ii)	Whether any Financial Assistance was granted on earlier occasion (by Department, State Govt. etc.) and if so, the date of drawal and amount
(iii)	Whether the earlier Financial Assistance was granted for damage to the same movable or immovable property and if so, the nature of further damage to the movable or immovable property to be indicated precisely.
(iv)	If reply to item (iii) is in the affirmative the details of damage that has now occurred requiring fresh financial assistance (list to be attached (iv) indicating details) -
9.	Amount of financial assistance applied for
10.	Any other relevant information

Date

mount of financial assistance applied fbr ny other reler,'ant information

Place : ........

(Sigrrature of the GDS)

ANNEXURE-G

(FORM-V)

APPLICATION FORM FOR GRANT OF LOAN FOR CONSTRUCTION OF ONE ILET FACILITIES FOR H IN

OFFICE

sl.

Information , Details No.

I Name of GDSBPM

2 Date of Birth

aJ Date of completion of 65 years of age

4 Date of engagement in the Department

5 Number of 1'ears of service completed on date of submission of Application 6 Full address of Offrce w'here w'orking

1 TRCA being draw'n

8 Name ofAccount Office & name of Head Post Office

9 Whether land is available and in the name of applicant GDS. Please enclose proof thereof. earmarking portion of land on which the construction is planned.

10. The proof of estimated cost of construction

ll The amount of loan required

(a). Certified that the intbrmation gir,'en abor,'e is complete and true to the best of my knowledge. In case of anf infbrmation being fbund untrue at an)' later stage. I am aware that I am liable to be proceeded fbr disciplinar)'action and I r,vill lorf-ei, all rights to claim any benefit/assistance under the Circle Welfare Fund for GDS sch,:me.

(b) I hereby promise to repa)'the loan (with interest) as perthe terrns ar,d conditions of the Scheme.

Date :

Place :

(Sig:rature of the GDS)

DECLARATION

I . do hereby' declare thrt the statements furnished in item (8) above are correct.

Date

Place :

(Sigrrature of the GDS)

Waming: If at any' stage the intbrmation furnished above is fbund untrt e. the sanctioning authoritr,' ma1 take disciplinarl' action against y'ou under the rules.

ORM-V

FORM of SURETY BOND

KNOW ALL MEN BY THESE PRESENTS" TIIA| I ......

ANNEXURE-H. son of

.. .....resident of.. ..... in the District o at present emplol'ed as a perrnanent . in the ..(hereinafter called "the Suretl'") am held and firmly bound up to the President of India (hereinafter called "the Government" which expression shall include his successors and assignees) in the sum of Rs. ... ....(Rupees ..Only') with interest as hereinafier specified and all cost between attorney' and client and all charges and expenses that shall or ma)' have been incurred by' or occasioned to the Government to be paid to the Government FOR WHICH PAYMENT to be well and truly made I hereby bind myself. my heirs. executors. administrators and representatives firm11' b1' these presents.

As w'itness m1' hand this...... Day' of .. ..tw'o thousand and

WHEREAS the Government has agreed to grant to ..........son of ... ...a resident of .......... in the District of ... ......at present engaged/employ'ed as..................... in the.....................(hereinafter called. "the Borrower") at the Bomow,er's own request an adr,'ance of Rs (Rupees. .....on11') tbr the. .AND

WHEREAS THE BORROWER has undertaken to repa)' the said amount in .equal monthly installments with interest as calculated at the rate and in the manner prescribed under Para 15" of Circle Welf-are Fund fbr GDS vide O.M. No.20- 0912019 -WL & Sports dated ---.02.2026, as shall fbr the time being remain due and unpaid calculated at the rates in force for such loans from the dal'of the advance.

AND WHEREAS in consideration of the Government having agre:d to grant the aforesaid advance to the Borrower the Sure['has agreed to execute the abole Bond w'ith such condition as hereunder is written.

NOW THE CONDITION OF IHE ABOVE WRITTEN Bond is that iI the said Borrower shall. while emplol'ed in the said .

DULY and regularl,"-' pay or cause to be paid to the Government the amo rnt of the aforesaid advance owing to the (iovernment bf installments w'ith interest as calculated in the aforesaid manner thereon or on so much thereof as shall for the tinre be ng remain due and

unpaid calculated at rates in force lor such loans from the day of the ad',ance until the said sum of Rs ... .......(Rupees .. ...only) with interest as calculated in the aforesaid manner shall be dul1' paid. then this Bond shall be l'oid. othenvise the same shall be and remain in full fbrce and virtue.

BUT SO NEVERTHELESS that if the Borrower shall die or bec,rme insolvent or at any time cease to be in the serl'ice of the Government. the w'hole t)r So much of the said principal sum of Rs ...........................(Rupees ....onl1) there of a: shall then remain unpaid and the interest due on the said principal sum calculated n thc aloresaid manner from the day of the adl ance shall immediately' become due and pa1 able to the Government and be recoverable fiom the Surety' in one installment by virtue cf thi:; Bond. The surety hereby gives the undertaking and unconditional consent fbr reco v'ery of the outstanding amount of the loan. from his monthl) pa).The Department. whereir. the suretf is presently' employed shall have all the rights to make such recor,'er1' frr,m tlre suretl"s pay & allowances. in one or more installments" of the total outstanding arnount of the loan.

The obligation undertaken by the Suretl'shall not be discharged or in arv way'affected by an extension of time or an1' other indulgence granted by' the (iovernment to the said Borrower whether with or r,lithout the knowledge or consent of thr: Sur,:U.

The borrower has agreed to bear the stamp du['. if any" fbr this dor:ument. Signed and

delivered {Signature of Surety)

by the said .

Office to which attached .. at ... .

.. (Designation) ..

this . .. In presence of

day of

20....,..

Signature.

address

and occupation of

the Witnesses

ACCEPTED

For and on behalf of President of India.

(i)

.( ii)

ANNEXURE.I

(F OI{M-VII)

APPLICATION FORM FOR GRANT OF LOAN FOR THE PURCHA SE OF MOPED/SCOOT E R/MOTOR CYCLE/ELECTRIC VEHICLE /L APTI)Pt COMPUTER/MOB I L tril ABL ET

sl. lon No.

Details

ame of the GDS

of Birth

of completion of 65 y'ears of age J

licant's designation

5 Full address of Office rvhere working

6 TRCA being draw'n

1 Name of'Account Office & name of Head Post Offlrce

8 Anticipated price of Moped/Scooter/ Motorc;-'cle/Electric

Vehic Ie/Laptop/C omputer/Mobi le/Tab let

9 Are any negotiations or preliminary enquiries being made so that tlelir,'ery may be taken of the Motor CariMotor Cy'cle/Electric VehiclerPersonal Computer/Mobile/Tablet within one month from the date of draw'l of the loan?

10. (a) Certified that the information given above is complete and [rue.

(b) Certified that I have not taken delir,'er1 of the Moped/Scooter/Mctor cycle/Electric Vehicle/Laptop/Computer/Mobile/Tablet on account of which I appll' ftrr the loan. which I

shall complete negotiations lor the purchase of item finally' and take possession of the same belore the expiry of one month from the date of drawl of the loan.

Date :

Place : ... ..

(Signature of the GDS)

ANNEXURE-A

(i)	President	Chief Postmaster General
(ii)	Vice-President	Director Postal Services, (Headquarters)
(iii)	Secretary	Assistant Director incharge of Welfare & Sports in Circle Office
(iv)	Treasurer	Accounts Officer in Circle Office
(v)	Member-I	GDS Staff Union member from the Circle
(vi)	Member-II	GDS Staff Union member from the Circle

ANNEXURE-A

(i)	President	Postmaster General, (Region)
(ii)	Vice-President	Director Postal Services, (Region)
(iii)	Secretary	Assistant Director incharge of Welfare & Sports in Regional Office
(iv)	Treasurer	Accounts Officer in Regional Office
(v)	Member-I	Nominated GDS/GDS Staff Union member from the Region
(vi)	Member-II	Nominated GDS/GDS Staff Union member from the Region

ANNEXURE-B

Sl. No.	Class	Minimum Percentage of aggregate marks
1	10^th standard	85%
2	12^th Standard (Science Group)	85%
3	12^th Standard (Commerce Group)	80%
4	12^th Standard (Humanities Group)	80%

ANNEXURE-B

1^st Position in the Circle/Region	Rs. 1,100/-
2^nd Position in the Circle/Region	Rs. 880/-
3^rd Position in the Circle/Region	Rs. 770/-
4^th Position in the Circle/Region	Rs. 660/-
5^th Position in the Circle/Region	Rs. 550/-

ANNEXURE-C

Sl. No.	Information	Details
1.	Name of GDS
2.	Date of Birth
3.	Date of completion of 65 years of age
4.	Designation
5.	Full address of Office where working
6.	TRCA being drawn
7.	Name of Account Office & name of Head Post Office
8.	Name of Sub Division
9.	Date of appointment
10.	Whether regular appointment orders are, available? If yes, enclose copy thereof.

ANNEXURE-D

Sl. No.	Information	Details
1.	Name of GDS
2.	Office of posting & post held
3.	TRCA
4.	Date of Engagement
5.	Date of Birth
6.	Details of any previous financial assistance under the GDSCWF
7.	Purpose for applying under GDSCWF (Pl. enclose documents in support thereof)
8.	Duration of Leave, if any
9.	Amount of financial assistance applied for
10.	Any other relevant information

ANNEXURE-E

Sl. No.	Information	Details
-	PART-A
1.	Name of the GDS
2.	Post held/TRCA
3.	Place of posting
4.	Amount of Financial Assistance required
5.	Pl. Indicate details of nature of prolonged illness, major surgery etc.
-	PART-B
(i)	Personal recommendations of concerned Head of Division indicating the specific amount for assistance recommended from Welfare Fund.
(ii)	Copies of medical reports
(iii)	Information regarding total expenditure on treatment.
(iv)	Whether the treatment has been taken from Govt. hospital if not, reasons for taking treatment from private hospital
(v)	Expenditure on essential incidentals like transport, diet etc
(vi)	Financial assistance granted from Welfare Fund in the past (if any)
(vii)	Financial position of the concerned GDS
(viii)	Any other relevant information

ANNEXURE-G

Sl. No.	Information .	Details
1.	Name of GDSBPM
2.	Date of Birth
3.	Date of completion of 65 years of age
4.	Date of engagement in the Department
5.	Number of years of service completed on date of submission of Application
6.	Full address of Office where working
7.	TRCA being drawn
8.	Name of Account Office & name of Head Post Office
9.	Whether land is available and in the name of applicant GDS. Please enclose proof thereof, earmarking portion of land on which the construction is planned.
10.	The proof of estimated cost of construction.
11.	The amount of loan required

ANNEXURE-I

Sl. No.	Information	Details
1.	Name of the GDS
2.	Date of Birth
3.	Date of completion of 65 years of age
4.	Applicant's designation
5.	Full address of Office where working
6.	TRCA being drawn
7.	Name of Account Office & name of Head Post Office
8.	Anticipated price of Moped/Scooter/ Motorcycle/Electric Vehicle/Laptop/Computer/Mobile/Tablet
9.	Are any negotiations or preliminary enquiries being made so that delivery may be taken of the Motor Car/Motor Cycle/Electric Vehicle/Personal Computer/Mobile/Tablet within one month from the date of drawl of the loan?

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