S.B.

Order L2/2O20

F.No.116_12l2016_SB
Government of lndia
Ministry of Communication
Department of Posts
(F.S. Division)

Dak Bhawan, New Delhi-110001

To, Dated i 14 /02/2020
All Head of Circles,
Addl. Director General, ApS, New Delhi

subiect:-Amendments to procedurar rures rerating

to savings Account and Appendix-* in
in the light of recent.r,,ung"J.ir.rtu,ed
i::i1:::fr.^uat vide sB order 13l201e dated

Sir/Madam,

The undersigned is dire^cted to inform

that M.F(DEA) has revised many statutory
relating to different Nationar savings rures
Schemes whicir were circurated vide
dated 18 12 201g. The competent authority sB order 1,3/2019
has now approved to change rerevant procedurar
rules and issue corrections srips of posB(.Bs)
dated t7.t .201,8).
,r"rli i.i.,
r.ted vide sB order No.9/2018

2' Accordingry, the corrections rerating

to savings Account and Appendix-* are given
berow:-
Correction Slips for Savings Account and
General in POSB(CBS) Manual
Rule 13:- Below this rule , add below
note :_
Notei From the date of receipt of SB order
13/2019 dated 78.12.20L9, post office
Rules 2019 shall applv to all savings savinSs Account
Accounts. onrv ouro* types of savings
:;:en:r; account can be
(a) a single adult;
(b) two adults jointty;
(c) a guardian on behalf of a mrnor;
(d) a guardian on behalf of a person of
unsound mind;
(e) a minor who has attained the age of ten years,
in his owrl name:
Rule13(i)(a) :- add following text below
this sub rule:_
Provided that from the date of receipt
of sB order 13/2019 dated Lg.72.201-9, there wi,
difference in savings Account opened with not be any
cheque book or without cheque book. Arso, joint
br by two adurts onry..An individuar'can open onty account can
1*l:o
required for opening of savings Account
on" singre account. Minimum amount
sha be Rs.500/- irr.rpu.tir" of if cheque Book is required
not An individual can open one joint savin8s or
account with any other adult individual. e.ria"Jinat
one account can be opened by an individualas onty
a single account,
Rule13{ii} :- add following text below this
sub rule:-
Provide that from the date of receipt
of sB order 13/2019 dated Lg.r2.zoLg, minor account
through
opened if that minor has atready op"n"J'u savinss
i:il1:H:ifi:be account in any post office in
 Rule 13 (iii) :- Replace this sub
rule with below text:-
Savings Account opened on behalf
of persons of ,nrorra mind through
Rule 13(iv) :- Replace this rule Guardian:_
with below text:-
Pension Account:- From the date
of receipt of sB order 13/2019 dated
7g.12.2079, there wi, be no
;::::Xt i,"fiil,:n:l;,H?lT;l;l;;XT:::,1:i,fll"'r"" pavment ,r'.,ch-,",i;ffice savings
either a sinste sru,"rr-o..or",
only "pened
Arr other restrictions earrier
in t i./t n"r" or ]t,ili:?3:::ffi:"Jli1 ?Lfi::,rffi.:
", oarr,".'o*ounts
mentioni r".. sha, not be appricabre and the
accounts shall be treated as normal
savings accounts.
Rule 13(vi) :- Replace this rule
witn Uetori texir
receipt or sB order 13/201e dated
illiii:#::$l#ii,l,l;,il';,::;
RuIe 13(vii):- Add following text
::';n:r 18 12 201e, this
belowthis rulei
(vii) Basic savings Account:- provided
that from the date of receipt of sB
L8'L2'2019 no new Basic savings order 13/2019 dated
Account sha, o"
'
Rute 15 (12):-Add below sub rute "p"r"a
aftersub rule tfii-
,"0".
'-'" this category of savings account.
(13) From date of receipt of sB
order tztzitti dated 18.12.2019, registration of nomination
is
trl,',Xt::lil oo"ned through guardian. r,romination
i,l ,Yffit'ff"i:.Tll1-'1'*',:o...*,*, can
rorm ror registrati;; ;;;;; ;iH:ijJ:ilii:lll:,,::i:1:i*,?ff[H,[:1,
(a) Name(s) of the nominee(s);
or in iie app,ication

(b) percentage share each nominee shall

(c) Whether the nominee sharr receive be entitled to;
rt
of ownership, or as a trustee for.ttre "
.rorni*
, beneficiary with absorute and excrusive right
(i) ln case of an account opened by
benefit of ,m f"J
n",r, of depositor.
a minor or on u"i.tr or. minor or person
a of unsound mind,
n:lffi'fi#},lid[",:;JJl"'"" 't''tto" m'ae nlin"'r,,.,u", *no,., no,,n.,eln,irnoiviauar,

Provided that in respect of such

accounts opened before the 1,r Aprir
the depositor, the eligible amount 201g, in the event of the death of
Rule 16(a)r Add below note at
shall be *,0 ," ,r* ,r.rji".
-"'
the end of this srO rrt""=-
Note:- From that date of receipt of sB
order 13/2019 Ja red rg.r2.2ol,g,rdentification proof
Proof should be taken from one of and Address
the below mentioneJ valid documents if
has not mentioned his/her Aadhaar the account holder
number detail; "trio.,,,.oO, of
;nJ Oror""O
(i) the passport, (ii) the drivins the same:_
ricence, (iii) the v;i;;;.;;;; card issued by the Erection commission
of rndia, {iv) job card issued bi, w.h"t*
canahi ruatronainrrit rrptoyr.nt Guarantee
by an officer of the state Government, Act dury signed
(v) Ietter issuea uf tt'e rrrationar popuration
Post office has to ensure that name Register.
and Address of the account horder mentioned
Form should match with identification in account opening
anO aOOress-proo-t io.-ui"r,
Rule 16(b)(iv):- Add following text - - -- ,,""r.
below this sub rule,-
Provided that from the date of receipt
of sB order 13/2019 dated 7g.1-2.201-9,2
at the time of registration, cancellation witnesses sha, be taken
or variation in case account horder is iIiterate and
no witness shall be required in case of "i
a literate depositor ""ri,r"ii,
ior,f* Ourpor".
Rule 17(2):- Add below note after
end of this sub rule:-
Note:- From the date of receipt of sB
order r:7zors arr.a L8.r2.zo.,g,age proof
document while opening t..orni u,ii", of minor shourd be
l, *tJ:;:::"rv ,rihe name of minor or on beharf of minor
Rule 28(2)(a)(iii)r tn this sub .r,:: ,,Rs.5/_,,shaI
Rule 42(1) :- Replace this rule with
yold be reptaced with ,,Rs.5Ol-...
below text:-
42(1,:. Post Office Savings Account
l:leprescribed fee
of
can be transferred from one post office
to another on payment
except in thflo owing case:-
(i) After death of the depositor
 (ii) After an account has been ordered to be closed.
Rule 43(2)(a):- Add below note after this sub rule:-
Note:' From the date of receipt of SB order 13/2019 dated 18.12.2019, transfer of account
can be done
by that HPo only where account stands or in case account stands at a So, it
can be transferred by only
that HPo in whose jurisdiction that So is working. lf application for transfer of account
along with
prescribed documents is presented at any other So or Ho, the application
alongwith documents should
be sent to the 50 or Ho where accounts stands (home soL) in a service insured
cover and details of such
applications should be entered in a register to be maintained in manuscrapt.
Rule 45(1):- ln this sub rule, word ,Rs.1,Ol-,,should be reptaced with,,Rs.sol_ r
cST @ 18%,,. Text,, .

words "in the shape of postage stamp in the space provided for the purpose,, shourd be replaced
with ,,
in cash and accounted as per procedure laid down in SB order 3/202 O dated
LO/l/2O2O,, .

Rule 48(2) :- This sub rule should be treated as deleted from the date of receipt
of sB order 13/2019
dated 18 12.2019 as conversion of single into joint and vice versa is not allowed
as per new Rule g of
GSPR 2018.
Rule 54(5):- Add below sub rule after sub rule (5)
(6) From date of receipt of sB order 13/2019 dated 18.1,2.2oLg, maintenance
charges of Rs.100/- + GST
@18% shall be deducted on the last working day of the Financial year from all the savings accounts
which shall not maintain minimum balance of Rs.5o0/ irrespective of if the account
is silent oi not.
Rule 55(8):- Notice printed below this sub rule to be replaced with below

TO BE ISSUED TO DEPOSITOR WHERE ACCOUNT MAINTENANCE CHARGE I5 DEDUCTED

NOTICE

From

To

Subject : Recovery of Account maintenance charges.

Sir/Madam,
This is informed that in your savings account No.........................standing at......................post office,
minimum balance of Rs.500/- is not maintained during the financial year
Under
Paragraph 4(6) of the savings Account Rures 2019, an account maintenance .h.rg" of Rr. 1007- *
GST
applicable has been deducted from your account. lf balance in your account shall become NIL
after
deduction of this charge, your account shall be automatically closed.

Yours faithfully,

Date.. (Postmaster)
 Correction Slios for Aopendices pOSB(CBS)
Manual
Appendix-ttt
Para 3(vi):-ln this sub para, word
"Rs.s/r,should be replaced by,, Rs.50/_,,
Para 8i Replace this para
with below text:-
8' collection charges for outstation charges:-
outstation cheque corection charges as notified
Reserve bank of rndia from time to by
shourd be ar,argal fro, the account horder.
.time
cheque collection charges should be charged However, no
ir .t,"fr" ir*ed by postmaster on account-of maturity
of any account or certificate is treated "ny
as;utstation Orrirg.f"..,ng
Para 14(1)(a):- Add Note 3 below Note
2ofthis sub para:l
Note 3rFrom the date of receipt of sB
order 13/2019 dated 7a.72.20rg,cheque book uptolo
a calendar year wi, be issued free of leafs in
any charge ana tnereafter a charge of {2 per
deducted from account of the account holder cheque reaf wi, be
at the time of issue of cheque book.
Para21. This para should be replaced with
below textl
Service charges on dishonored chequesi
(1) ln case any cheque presented
by any account horder of a savings account
deposit into his/her savings account or for in any post office for
opening of ary .,e* account under any
during ctearing, a service charge of Rs.too/_ + other scheme is
::r:"rfi*, riz csr witt be debited from his/her savings
(2) ln case a non- account horder presents
a cheque for investment in any of the nationar
Schemes and that cheque is dishonored, savings
iee Oni.fOOi_ _ CST O 18% shall be collected
person as and when he/she attends post from that
office and account for the same pu, ...orniing pro.edr."
mentioned in SB order 03/2020 dated 1,0.f .2020. ",
3 lt is requested to circulate these corrections to
all concerned for information and guidance
and necessary action.

4 This issues with the approval of Competent

Authority

mi,@
(Devendra Sharma)
Assistant director (SB)
copy to:-

1. DDG(FS)/DDG(vtG)/AS&FAIDDG(pAF)/DDG(RB)/DDG
(Estt.)/DDG(pG &
ln spect io
ns)/DDG (pCOlSr. DDG(pBt)
2. Director of Audit (p&T), Delhi.
3. Resident Audit Officer, Room No.5i.7-8, Dak Bhawan, New Delhi.
4. All Directors/Dy. Directors ofAccounts, postal
5. Director, RAKANpA, Ghaziabad, All Directors, postal Training Centres.
6. Director PTC Mysore for uploading the sB order on rndia post web site
7. Deputy Director (CEpT) O/o CpMG T.N.Circle, Chennai for information.
8. AD /ln p ection/p F/Vigila n ce
s

9. All recognized un ions.

10. MOF(DEA), NS-il, North Block, New Delhi
11. National Savings lnstitute,4 Deen Dayal Upadhyay Marg,
New Delhi.
12. PS to Member (Banking)
13. PPS to DG Posts.
14. PPS to Secretary posts.