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DOCUMENT TITLE : TRANSFER POLICY FY 2025-26

DOCUMENT VERSION : FY 2025-26_V.01
DOCUMENT NO. : BM/766/2024-25/10/Vol-2B/2.02
APPROVING AUTHORITY : BOARD OF DIRECTORS.
OWNER DEPARTMENT : HCM–IRP.

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TABLE OF CONTENT
CLAUSE NO. CONTENT PAGE NO.
-- PREFACE 02
1 GENERAL PROVISIONS APPLICABLE FOR ALL TYPE OF 03
TRANSFERS
2 NORMS FOR TRANSFER 05
2.1 PROMOTION TRANSFER/PLACEMENT 05

2.2 REQUEST TRANSFER 06

2.2.1 NORMAL REQUEST TRANSFER 07
2.2.2 SPECIAL REQUEST TRANSFER 09
2.2.3 COMBINED PREFERENCE MATRIX 11

2.3 ROTATION TRANSFER 11

2.3.1 BRANCH/ADMIN TENURE 11
2.3.2 REGION TENURE 12
2.3.3 ZONE TENURE 13
2.3.4 REQUEST FOR EXEMPTION FROM RO/ZO ROTATION (BRANCH 14
EXCLUDED)

2.4 TRANSFER ON ADMINISTRATIVE GROUND 16

3 POSTING GUIDELINES UPON TRANSFER & RECRUITMENT 17

4 COMPETENT AUTHORITY FOR TRANSFER 20
5 GRIEVANCE COMMITTEE ON TRANSFER MATTERS 20
6 STEP WISE PROCEDURE FOR EXECUTING TRANSFERS 20

Annexure I COMBINED PREFERENCE MATRIX 22

"All related statutory guidelines/circulars issued by RBI/GOI are incorporated in the

policy. Further, if any amendments/updates to the existing guidelines made by Reserve
Bank of India or other Regulators, the same shall be deemed to be part of the policy and
it shall be updated in the policy during next review."

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TRANSFER POLICY FOR FY 2025-26

(FOR MAINSTREAM AND SPECIALIST OFFICERS UP TO SCALE III)

PREFACE

The Central Bank of India is committed to fostering a transparent, equitable, and efficient
work environment for its employees. A cornerstone of this commitment is the
establishment of a comprehensive transfer policy that addresses the diverse needs of our
workforce while aligning with organizational objectives.

This policy emphasizes well aligned resource distribution among all levels in order to
address administrative challenges and ensuring attainment of organization goal while
maintaining an equilibrium amid regional/zone level imbalances. As an organization, it is
our prime responsibility to keep stakeholder’s interest in the core of our every action,
strategy and vision.

In formulating this policy, A meticulous integration of all applicable Government

guidelines has been strictly ensured. This includes provisions for employees with
disabilities, caregivers, and female officers seeking postings to join their spouses or
family.

Recognizing the critical importance of an unambiguous and non-discretionary transfer

policy, an extensive effort has been taken to eliminate any room for discretion. A clear
preference ranking has been established for each type of transfer request, ensuring a
systematic assessment of priority and weightage.

This policy document assures all employees that any grievances related to transfer
postings is addressed in accordance with this policy. Each employee's interests have been
carefully considered, and mechanisms are in place to ensure that concerns are handled
promptly and transparently.

In line with the latest guideline received from the Government of India vide DFS’ letter eF.
No. 4/1/2/2024-IR dated 26.11.2024, we have further refined our transfer policy to
enhance transparency and uniformity. This includes automating the transfer process,
facilitating postings for female employees to nearby areas, minimizing mid-year transfers,
and ensuring a dedicated grievance redressal mechanism.

This policy reaffirms the dedication for creating a supportive and transparent work
environment, ensuring that the transfer process is conducted with the utmost fairness
and clarity.

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1. GENERAL PROVISIONS APPLICABLE FOR ALL TYPE OF TRANSFERS:

i. As contained in Regulation 47 of Central Bank of India Officers’ Service Regulations

1979, every officer is liable for transfer to any office or branch of the Bank or to any
place in India.

ii. Every year, Bank shall declare list of RO/ZO wise tentative vacancies including
those arising out of Rotation Transfer. Against these vacancies, transfer/placement
on promotion shall be executed at first. Thereafter, against the residual vacancies
including those arising out of request transfer, shall be used for effecting Request
and Rotation transfer.

Since the officer on promotion shall get preference over Request and Rotation
Transfer, hence vacancies likely to arise on account of Request Transfer shall only
be filled by way of Request and Rotation Transfer only.

iii. Notwithstanding, what is stated in these norms, the management at its own
administrative requirement as enumerated in clause 2.4 of this policy, may
post/transfer any officer at any time to any Station/Region/Zone, irrespective of
the period of stay thereat.

iv. No officer shall be posted in the same Office/ Branch and in case of Central Office,
in same Department where his/her spouse or any other person related to him/her,
viz. son, daughter, brother, sister or Parents etc. are posted. It shall be the
responsibility of the concerned officer to disclose his/her family relationship with
other employee in the bank.

v. Officers bringing outside influence in the matter relating to

transfer/posting/Retention etc. shall be tantamount to misconduct on the part of
staff members and they shall be liable for disciplinary action in terms of Regulation
12 of Central Bank of India Officer Employees’ (conduct) Regulation 1976 for
bringing outside influence.

vi. While effecting transfers, No Officer, except for specialist Officers, shall be posted
to a Branch/Office from where he/she has earlier moved out within the last 3 years
or where he/she has already served for a total period of 5 years or more during his/
her career.

vii. Those Officer who do not report even after getting relieved from their previous
Branch/Office or refuse to accept/acknowledge the Transfer Order, He/she shall
deem to be relieved from the existing office/Department.

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A Disciplinary action, if warranted, shall be initiated against such officers for Non-
compliance/dis-obedience of lawful instruction and unauthorized absence, if any.
Needless to mention, HRMS code should necessarily be transferred to the
transferee Branch/office on the date of reporting itself and the salary for the
corresponding period shall not be paid in case officer remain unauthorizedly
absent.

viii. An officer on transfer after being relieved from the previous office would cease to
be under the administrative control of that office. He/ She will be under the
administrative control of the transferee office. Accordingly, the matters relating to
sanction of leave, payment of salary etc. shall be dealt by the transferee office.

ix. All the Transfer Process shall be completed on or before 30th of June every year.
This date shall also be treated as cut-off date for the purpose of calculating tenure
for Request and Rotation Transfer. For the purpose of calculating eligibility criteria
in promotion process, 1st of April of vacancy year shall be the cut-off date.

x. Bank, at the time of effecting transfer of Officers on Promotion, Rotation or on

Request, may post them in accordance with the indicative guideline as enumerated
in clause 3 of this policy.

xi. Officers, irrespective of his/her cadre, may be Transferred to any of the following
organizational level in terms of respective Transfer grounds mentioned in Clause 2
of this policy document.

Field Level 1. Branch Office including CFB, MCB, SAM, SSB, Emerging
Business Branch etc.
Administrative 2. Regional Office, LBO, RSETI etc.
Level 3. Zonal Office including CLD, ZAO, Training College,
NCGTC Cell, CGTMSE, etc.
4. Central Office.
Department/Offices which are not involved directly in customer dealing shall be
treated as administrative posting.

xii. In terms of DFS instruction dated 26.11.2024, for the purpose of filling required
vacancies to certain deficient geographical pockets/districts, Bank shall, time to
time, identify and publish list of difficult centres across the country for providing
preference in transfer/posting to officials who are posted in such pockets/districts.

The list shall be subject to review and any locations may be

added/deleted/modified as per the administrative requirement. However, benefits
once accrued to any officer on this ground shall continue to be considered
irrespective of the fact whether the pocket/location is still in the reviewed list or
not.

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xiii. In terms of DFS instruction letter No. 4/1/2/2024/IR dated 26.11.2024, Officers up
to MMG scale III may be accommodated in the same linguistic area subject to
availability of vacancies and administrative constraints. However, Zone Based
Officer recruited specifically for select Zone/ Linguistic area shall mandatorily be
posted to selected zone only.

xiv. Bank reserves the right to modify/amend any or all the provisions of transfer policy
as felt necessary at any point of time with due approval of Board of Directors.
However, only MD&CEO shall have the power to make exceptions to any provisions
of this policy in most objective manner with proper reason.

xv. The provision of this Transfer policy shall not be applicable in case of Transfer on
account of selection/identification of officers for special role e.g. Audit, Training
establishments, forex dealers etc. for which specific application is invited from the
willing officers, time to time. Their Transfer shall be undertaken specifically as per
the circular basis which the identification/selection process is initiated.

xvi. All provisions stipulated in this policy shall be equally applicable for specialist cadre
officer, except those which are specifically exempted considering their distinct job
role and administrative setup.

2. NORMS FOR TRANSFER:

Services of each Officer of the Bank are subject to Transfer to any Branches/Office
of the Bank located across the country. Such transfers are not a service conditions,
rather it is an Incident of Employment.

Accordingly, as enumerated in the following sub-clause of this policy, an officer

shall be liable to be transferred in terms of any of the applicable clause mentioned
hereinunder.

2.1 PROMOTION TRANSFER/PLACEMENT

i. Transfer/placement on promotion shall be executed before Request Transfer

and Rotation Transfer. For this purpose, tentative vacancies worked out as
per workforce assessment including those which are likely to arise on
account of Promotion and Rotation shall be filled in by the Promotee officers.

ii. The placement on promotions will be considered by combining the

promotions in written channel and normal channel. Promotees can give
preferences for posting minimum up to 5 Regions* in the order of preference.
To the possible extent, posting will be considered in the first three preferred
Regions only. (*Regions name should not be repeated).

Officers who are yet to complete their Rural/semi urban stint, cannot select
those regions where such vacancies are not available.

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iii. Officers promoted from JMG Scale I to MMG Scale II /MMG Scale II to MMG
Scale III under Written Test Channel or Normal Channel and retained in the
Region, shall be posted to any of the stations and to any branch/office within
the Region subject to clause 1 (iv) and 1 (vi).

iv. Officers up to MMG scale III, who have not completed the requisite period of
Rural/Semi Urban stint but were allowed to participate in the promotion
process after complying with the laid down procedure, shall on their eventual
selection in the promotion process, be posted to rural and/or rural/semi-
urban branches, as the case may be. If Rural/Semi-urban vacancies are not
available in the preferred Region/Zone, the officer may be transferred to any
other Region/Zone having unfilled Rural/Semi-urban vacancies. This clause
is not applicable for officers in specialist cadre and Divyang Officers.

v. Any deviation to Rural/SU criteria shall duly be incorporated in service

records of the concerned officer. The promotion of Officers in mainstream
cadre, who have been promoted on undertaking in respect of Rural/Semi
Urban Stint, shall be provisional in nature and in case an officer opts for
VRS/Resignation from service without completing the required RU/SU stint,
then promotion shall stand annulled.

vi. The selected lists of Promotees of both the channels shall be arranged in the
manner as specified below for allotment of vacancies as per preference opted.

ORDER OF TRANSFER PREFERENCE ON PROMOTION:

a. Officers belonging to Divyang category

b. Employee promoted from NE, J&K/Tribal Area/difficult centre.
c. Care giver to PH spouse/children
d. Married Lady Officer to join spouse
e. Officers having three years or less remaining service period.
f. All other Officers

2.2 REQUEST TRANSFER:

An Officer having completed specified tenure in a Region/Zone or on special

request, as prescribed in clause 2.2.2, shall be eligible to seek request transfer
subject to compliance of all applicable terms & conditions under this policy.

Transfer on request shall be considered for vacancies remaining unfilled after

executing Transfer/Placement of promotee officers.

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2.2.1 NORMAL REQUEST TRANSFER:

i. An officer having completed minimum three years of service in a Region shall be

eligible to seek request transfer either from one zone to another zone or from one
Region to other Region within same zone, maximum for three (3) times in his/her
entire service period.

For officers posted in North-east, J&K and Tribal Area, minimum terms required for
submitting normal request transfer shall be 2 years.

ii. An officer must have secured 75% (Grade “B”) appraisal marks in last three years
to be eligible for seeking request transfer.to be eligible for seeking request transfer.
This shall not be applicable for employee under PH, Caregiver & North-
east/J&K/Tribal Area/Difficult centre.

iii. Applications of officers having found eligible for Normal Request Transfer shall be
considered subject to the following–

a. Officers transferred on request shall not be eligible for TA/DA, Packing/ Moving
Charges or any other allowance related to transfer postings, except in case of
Request Transfer from North-East, J&K/ Tribal Area & Difficult centre.

b. Joining time leave without any monetary emoluments for a period of Seven days
within six months from the date of reporting at his/her new station of posting
may be permitted.

c. Those who have completed 5 years in officer cadre in particular region shall be
eligible for TA/DA, Joining Leave & Packing/Moving Expenses upon their transfer
on request.

d. In case of officers against whom Disciplinary Action proceedings are pending,

they shall not be relieved till the conclusion of proceedings. Officers under
suspension shall not be eligible to apply for request transfer despite being
otherwise eligible for the same.

e. Period spent on LOP/sabbatical Leave/study Leave shall not be included for

arriving at qualifying length of service for request transfer.

iv. Following shall be the Operating guidelines for the purpose of considering Request
Transfer applications on normal grounds–

a. The applications for request transfer on a yearly basis shall be called normally in
the month of December/January and the same will be valid till the application is
disposed-off. Cut-off date for deciding length of stay shall be 30th of the June
month of the vacancy year. Application not considered in current process, shall
be assigned a waitlist number which can be used for mid-terms transfers on
administrative ground or in next process.

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b. An Officers shall be asked to provide five (5) Region’s Names in the order of
his/her preference.

c. Except in case of North-east/J&K/ Tribal/Difficult Centres & PH category, all

application received shall be arranged as per the Ranking on Performance
Appraisal in the order of merit and current Branch head tenure (3 years or
more). Further, applications falling on equal rank shall be arranged as per the
length of stay.

d. In case of inter-Region request transfers within the Zone, the officer cannot seek
transfer to a particular station.

e. For the purpose of request transfer, Mumbai would mean Mumbai Urban
Agglomeration (including Central Office), for Delhi it would mean the Delhi
Urban agglomeration and for Kolkata it would mean Kolkata City.

f. The period under Sabbatical leave/LOP shall not be considered for arriving at
qualifying length of service for normal request transfer.

g. Officers in Scale II, III who have not completed their mandatory 2/3 years of
Rural/Semi- Urban branch stint will be mandatorily posted to Rural/Semi-urban
branch on materialization of their Request Transfer application. Any deviation
on this score shall duly be incorporated in service records of the employee. This
clause shall not be applicable in case of officers in specialist cadre.

h. Request Transfer applications of Officers whose Rural/Semi-Urban stint is not

completed, may not be materialized for those regions not having Rural/Semi-
Urban vacancies. This clause shall not be applicable in case of specialist
cadre officers or those who are exempted on account of Divyang category.

i. If the number of requests for transfer to a particular Region exceeds the no. of
vacancies available thereat, Officers having completed Region Tenure shall be
shifted to adjoining Region to the extent of vacancies required to be created for
materializing normal request transfer based on the Performance Ranking in
Central Rise in order of merit.

j. Preference to request transfer applications shall be assigned in the manner as

defined in the combined preference matrix as per clause 2.2.3.

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2.2.2 SPECIAL REQUEST TRANSFER:

An Officer having encountered any emergent issues/problems which necessitate

his/her posting to a specific region enabling him/her to deal with such issues
effectively, may submit Special Request Transfer application irrespective of Posting
tenure and marks in Performance appraisal.

Such, Special transfer request shall be restricted, only one time in entire service
period, except in case of PH category. MD&CEO may relax the number of occasions
for officers facing extreme critical situation.

i. Following are the illustrative but not exhaustive ground/reasons, which may be
considered for inviting applications under special request transfer.

a. Divyang Officers in terms of RPwD Act–

Besides facility provided under RPwD act for exemption in Rotation and preference
in place of posting, an officer employees having benchmark specified disability duly
certified by the certifying authority as defined under section 2(r) of the Rights of
persons with Disability Act 2016 shall be eligible to seek request Transfer on special
ground irrespective of number of times in entire service period.

b. Care Giver Officer in terms of RPwD Act–

Besides facility provided under RPwD act for exemption from the exercise of
routine Transfer, an officer Employees who are care giver to their dependent family
members shall also be eligible to seek Special Request Transfer on Care giver
ground only one time during entire service period.

c. Critical Illness/Spouse Death:

An officer employee either himself or his/her spouse/children/parent suffering
from or diagnosed with life threatening critical illness* as listed below, or an Officer
employee whose spouse/child has demised, shall be eligible to seek Request
Transfer on compassionate ground.

*List of life-threatening Critical illness (illustrative, not exhaustive)

1 Cancer of specified severity 9 Permanent Paralysis of limbs
2 Open chest CABG 10 Motor neuron diseases with
Permanent symptoms
3 Myocardial Infarction 11 Multiple sclerosis with
persistent symptoms
4 Heart Valve surgery 12 Benign Brain tumour
5 Coma of specified Severity 13. End stage lung Failure
6 Kidney failure requiring 14 End Stage Liver Failure
Regular dialysis
7 Stroke Resulting in 15 Kidney Failure
permanent symptoms.
8 Major Organ/Bone Marrow 16 Third Degree burns
Transplant

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d. Female Officers to Join Spouse/Family:

In terms of DFS guideline, a Female Officer shall be eligible to seek Request Transfer
on special ground to join first time after marriage to her Spouse. This request
transfer shall be available only once in career.

e. Old Age Parent Care:

An officer shall be eligible to seek request Transfer on special Ground to take care
of his/her Parent who is incapacitated and completely bedridden, once in entire
service period.

ii. Following shall be the Operating guidelines for the purpose of considering special
Request Transfer applications–

a. The application window for special request transfer will normally be opened in
the month of April every year and shall remain available for accepting request
from officers till December month or till such date as notified by the Bank time
to time. Application not considered in current process shall be assigned a waitlist
number and the register shall be maintained until transfer application is
disposed-off.

b. An Officers shall be asked to provide five Region Names in the order of his/her
preference.

c. In case of inter-Region request transfers within the Zone, the officer cannot seek
transfer to a particular station except in case of Divyang Officer.

d. For the purpose of request transfer, Mumbai would mean Mumbai Urban
Agglomeration (including Central Office), for Delhi it would mean the
geographical limits of Delhi Urban agglomeration and for Kolkata it would mean
Kolkata City.

e. Officers in Scale II, III who have not completed their mandatory 2/3 years of
Rural/Semi- Urban branch stint shall be mandatorily posted to Rural/Semi-
urban branch on materialization of their Request Transfer application. Any
deviation on this score shall duly be incorporated in service records of the
employee. This clause is not applicable for specialist cadre and PH category
staff.

f. Needless to specify, mere submission of application does not confer any right of
seeking transfers and can only be considered to the extent of vacancy available.
However, waitlist register prepared to this may be used for mid-term transfers
on account of administrative ground.

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g. Further to clarify, that Bank may institute verification procedure or may ask
supporting documents/proof in support of the grounds reported to be the reason
for seeking Request Transfer on special ground.

h. Preference to special request transfer applications shall be assigned in the

manner as defined in the combined preference matrix as per clause 2.2.3.

2.2.3. COMBINED PREFERENCE MATRIX:

Applications received seeking request transfer on Normal or Special ground shall

be categorized basis their severity of grounds/reason reported therein. Each such
application under Normal and Special request shall further be categorized and sub-
categorized to assign more specific priority to each such grounds/reason.

For the purpose of assigning combined preference ranking, application received

under Normal and Special Request Transfer, shall be arranged in accordance to
combined preference ranking as per Annexure-I and transfer shall be executed to
the extent of residual vacancies available after promotion transfer.

2.3 ROTATION TRANSFER:

Officers having completed certain tenure of his/her posting shall be rotated on

defined periodic interval to any Branch or offices strictly in terms of the provisions
as enumerated herein bellow.

Rotation transfer shall be executed to the extent of vacancies required to be created

for considering request transfer in terms of combined preference matrix, however
it will be subject to number of estimated vacancies arising due to completion of
RO/ZO tenure.

For this purpose, Bank shall publish list of Officers whose services are likely to be
transferred out of Region and Zone on account of completion of Tenure at
respective level.

As contained in clause 1 (ii) of this policy, Officers seeking Request Transfer and
those who are due for Rotation shall be provided with list of vacancies against
which, they may record their choice of location. To this effect, an application
window shall be opened in HRMS tentatively in the month of December/January.

2.3.1 BRANCH/ADMIN TENURE:

i. Save as contained on clause 2.4 (ADMINISTRATIVE GROUNDS), No officers should

be withdrawn from his/her current Branch/Office posting before completion of
Branch/Office tenure. Following will be the posting tenure for Branch & Admin
Office.
SL A B
Posting Place Branch/Admin Tenure
Branch Level 3 years
2 Administrative level 5 years
(RO/ZO/CO etc.)

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ii. An Officer having completed the Branch/Department tenure, as enumerated in

table above, shall be liable for Transfer on Rotation Ground to Other
Branch/Department within same Regional Office Jurisdiction.

iii. Further, where Officer has completed 5 years of continuous administrative tenure
at same RO/ZO/CO, shall straight away be transfer out to another Regional Office
for Branch/field level posting,

iv. An officer who have completed 5 years of stay in administrative posting combining
immediate previous admin tenure but have not completed continuous 5 years
admin tenure in the present Admin office shall be posted in a Branch office within
the same Region.

v. Saves as Officers in JMG Scale I who have been posted to rural branches may be
transferred after completion of 2 years of rural stay so as to provide opportunities
for other officers to complete the rural stint, No Officer shall be transferred out of
Branch/Administrative office prior to completion of 3 years/5 years tenure
respectively without prior approval of Vertical Head-HCM Central Office. However,
Officers posted as BM in Rural/SU branch should continue for minimum 2 years or
up to completion of the stint whichever is later.

vi. Officers working at a place declared as Tribal Area by the respective State
Government may be given place of their choice out of 3 stations in the same Zone
after their stay of 2 years in such Tribal Area.

vii. It is not open to any officer to refuse any placement including that of Branch
Manager in any centre, either on rotation and/or otherwise.

viii. At branch level, the officer staff will be rotated from one department to another at
regular interval of 12 to 18 months.

2.3.2 REGION TENURE:

i. Save as contained on clause 2.4 (ADMINISTRATIVE GROUNDS), No officers

should be withdrawn from his/her Region before completion of minimum Region
tenure and No officer should continue in current Region beyond the maximum
regional tenure. Following will be the minimum and maximum region tenure.

Current Posting Minimum Maximum

Within RO jurisdiction, All Branches including 4 years 6 Years

CFB/MCB/SAM & Admin Offices e.g. ZO1/ZAO2/
CLD2/ Training Colleges2 etc.

1- ZO posting to be included in linked RO for the purpose of region tenure

calculation.
2-ZAO & Other Admin Offices shall be included in linked RO for the purpose of
RO tenure calculation.

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ii. An Officer having completed the minimum tenure in a Region as per the above table
shall be liable for Transfer on Rotation Ground to another Region within same Zone
Jurisdiction.

iii. Where, Officer has completed 5 years of continuous administrative posting at same
RO/ZO/CO, shall straight away be transfer out for Branch posting to other Region
within same Zone, provided he/she has not completed Zone tenure.

iv. Where, an Officer has completed 5 years of continuous administrative posting

comprising two or more RO/ZO/CO tenure, shall be retained in same Region till
completion of region tenure provided he/she has not completed Zone tenure.

v. Where, an Officer who has been retained on Promotion in the Present Region shall
be retained in the same Region till the completion of 3 years term irrespective of
completion of region tenure subject to clause 1(iv) & 1(vi).

vi. It is not open to any officer to refuse any placement including that of Branch
Manager in any centre, either on rotation and/or otherwise.

vii. The cut-off date for determining the requisite period of stay in present Region/Zone
will be as of 30th of June.

viii. In Respect of Specialist officers who are explicitly recruited or have acquired
experience for such domain specific roles which confines his/her Role to a
particular office/administrative set-up, shall be dealt on case-to-case basis in
accordance to their Role or Administrative Requirement.

ix. Officers who are eligible for seeking exemption from Rotational Transfer as per
government guidelines or having such critical ground which requires temporary
exemption from Rotation, shall be subject to provision as contained in clause 2.3.4
of this Policy.

2.3.3 ZONE TENURE:

i. Save as contained on clause 2.4 (ADMINISTRATIVE GROUNDS), No officers

should be withdrawn from his/her Zone before completion of minimum Zone
tenure and No officer should continue in current zone beyond the maximum Zone
tenure. Following will be the minimum and maximum zone tenure.

Current Posting Minimum Maximum

Within ZO jurisdiction, All Branches including 7 years 10 Years

CFB/MCB/SAM etc. and all Admin Offices e.g. ROs,
ZAO/ CLD /Training Colleges /CO Cells etc.
(including Central Office in case of MMZO)
1- Branches, RO, ZAOs & Other linked Offices posting to be included in ZO for the
purpose of Zone tenure calculation.
2- CO posting to be included in MMZO tenure for the purpose of ZO tenure
calculation.

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ii. An Officer having completed the minimum tenure as per the table above shall be
liable for Transfer on Rotation Ground to Other Zone.

iii. Where, an Officer who has been retained on Promotion in the Zone shall be
retained in the same Zone till the completion of 3 years term irrespective of
completion of Zone tenure subject to clause 1 (iv) & 1(vi).

iv. It is not open to any officer to refuse any placement including that of Branch
Manager in any centre, either on rotation and/or otherwise.

v. The cut-off date for determining the requisite period of stay in present
Region/Zone will be as of 30th of June.

vi. In Respect of Specialist officers who are explicitly recruited or have acquired
experience for such domain specific roles which confines his/her Role to a
particular office/administrative setup, shall be dealt on case-to-case basis in
accordance with their Role or Administrative Requirement.

vii. Officers who are eligible for seeking exemption as per government guideline or
having such critical ground which requires temporary exemption from Rotation,
shall be subject to provision as contained in clause 2.3.4 of this Policy.

2.3.4 REQUEST FOR EXEMPTION FROM RO/ZO ROTATION (BRANCH EXCLUDED):

i. No Officer in the Bank shall have right to seek exemption from Region and Zone
Rotation process except those who are eligible to seek such concession as per
government guideline or those who are specifically exempted substantiating
genuine ground. For this purpose, Bank shall open a special window wherein
eligible employees may exercise their option subject to fulfilment of criteria
specified thereagainst.

Further to clarify, officers whose name is included in LODI and Agreed List, shall
not be eligible to seek exemption from Region or Zone Rotation. Following will be
the category of Officers who may be exempted from Region or Zone Rotation
exercise–

a. Divyang Officer:
Officers who are already marked as Divyang Officer in HRMS, need not submit
separate request for exemption. As far as possible Divyang Officers may be
exempted basis their proof of disability certificate and percentage of disability
recorded in HRMS profile.

b. Care Giver (As defined in RPwD Act 2016):

Officers who are main caregiver to their Divyang family members having obtained
disability certificate/UDIN in terms of RPwD Act 2016, may be exempted from
Region or Zonal Rotation Transfer subject to administrative constraints. The
application seeking exemption from Rotation shall be dealt in accordance with
exemption matrix as defined clause 2.3.4 (ii) of this policy.

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c. Representatives of Recognized Officer Union/Welfare Association:

Maximum twenty number of Representatives from all recognized union

/associations shall be eligible to request exemption from RO/ZO rotation process.
This exemption shall be defrayed in the ratio of their membership position on pan
India level as on last date of December quarter.

Every year, the apex level union shall submit their list of representatives in the
order of their preference. Bank may exempt such representatives from RO/ZO
tenure from current Rotation process only. repetitive exemption to a single
officer/representative shall not be allowed for more than 3 occasions.

Needless to specify that these officers shall be liable for Rotation from one
station/Branch to another station/Branch upon completion of Branch/office
tenure.

With respect to protection from Rotation on completion of region and zone tenure
to Representatives of welfare association, a maximum number of six
representatives may be allowed from all the associations at apex level to seek
exemption. Procedure will be the same as defined above for Officer Trade Union.

d. Critical illness:

Officers who himself or his/her spouse/children are suffering terminal illness as

enlisted in 2.2.2 (i) (c) may seek exemption from Rotation Transfer by submitting
specific request in HRMS. this exemption shall be available only once in career and
shall be dealt in accordance with exemption matrix as defined in clause 2.3.4 (ii) of
this policy.

e. Lady Officer on maternity Leave:

Lady Officer who are on maternity leave and those lady officers who have children
of age 2 years or below may seek exemption from RO/ZO rotation process by
submitting request in HRMS. However, such lady officer shall be liable for Rotation
from one station/Branch to another station/Branch upon completion of
Branch/office tenure. The application seeking exemption from Rotation shall be
dealt in accordance with exemption matrix as defined in clause 2.3.4 (ii) of this
policy

f. Officer superannuating within Three years:

All Officers who are superannuating within three years from the cut-off date may
be exempted from Rotational Transfer. Officers seeking exemption on this score
shall be required to submit his/her request in HRMS.

g. Officers who are domicile of North-East States, J&K, Tribal Areas shall be exempted
from Rotation Transfer upon completion of Region and Zone tenure. Needless to
mentioned, their service shall be liable for transfer to other branches in the same
region/zone upon completion of Branch/Administrative tenure.

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ii. For the purpose of considering request for exemption from Region or Zone
Rotation, following will be the exemption matrix–
Sl Ground Parameter Rank Applicability
1 Divyang Category (PH) Officers belonging to Divyang Category in HRMS 1st By default
2 Care Giver Officer as Care giver to Spouse/Children with disability (other than Locomotor) 50% or above 2nd optional
3 Care Giver Officer as Care giver to Spouse/Children with locomotor disability 75% or above 3rd optional
4 Maternity Lady Officer on maternity or having child aged 2 years or blow. 4th optional
5 Critical illness Officers himself or his/her spouse/children facing terminal illness as per clause 4.2.2 (i) (c) 5th optional
6 Officer Union Officer Union (20 max) /Welfare Associations Representatives 6th By default
7 Superannuation Officer superannuating within 3 years from the cut off date 7th optional
8 Domicile of Domicile officers posted in North East/ J&K/Tribal Area and Dificult Area Branch 8th By default
NR/J&k/Tribal/Difficult
Area

2.4 TRANSFER ON ADMINISTRATIVE GROUND:

Notwithstanding, what is stipulated in this policy, the Management at its own discretion,
may transfer any officer at any time to any Branch/Region/Zone, irrespective of the
period of stay thereat (except transfer on top performance ground). Grounds, illustrative
but not exhaustive, for exercising such transfers owing to administrative decision shall be
as under–

i. REWARDING TOP PERFORMERS:

Branch Managers in Scale I, II & III who have been identified as

extraordinary/outstanding performers in terms of achievement on following criteria may
be considered for request transfer to choice place of posting irrespective of their period
of stay in zone/region. Such transfer on performance ground shall be supernumerary to
vacancies identified to be filled in through promotion, Rotation and Request.

a. He/she has achieved last three Calendar Year Business Target of the Branch where
he/she is posted; subject to he/she has remained continuously posted as Branch
Head for minimum there years and not less than six months in any one calendar
during complete three years tenure.

b. He/she has scored minimum 95% or above appraisal marks in FY 2021-22 and have
scored grade “AA” in FY 2023-24 and FY 2024-25.

c. There is no disciplinary action is initiated/ongoing/contemplated during the

previous Five (5) Financial years.

d. He/she has not been included in Doubtful Integrity List during last five (5) financial
years.

e. There is no major complaints/adverse comment is received against such officer

during the current financial year.

ii. TRANSFER UPON NON-PERFORMANCE:

The officers in Scale I, II and III, who are identified as non-performers in terms of
Central Office circular 712 dated 22.09.2020, may be transferred from one Zone to
another Zone. Further, such Officers in Scale I, II and III, who are identified as non-
performers, may not be considered for request transfer, despite them being otherwise
eligible for the same.

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iii. TRANSFER UPON MISBEHAVIOUR/UN-ETHICAL CONDUCT/FRAUD:

An officer, including Divyang officer, doing in any misbehaviour, found indulged in
any un-ethical practice/suspected fraud, shall be liable to be transferred to any
Branch/Office/Region or Zone.

iv. MID-YEAR TRANSFER DUE TO BANK EXIGENCIES:

Notwithstanding, the relevant provisions relating to rotational transfer and request
transfers as contained in this policy, the officers in scale I, II and III may also be
transferred from one region/zone to another Region/Zone irrespective of tenure due
to following reason. The basic purpose of exercising this option is to better manage
the immediate manpower requirement at any Branch or Admin Office.

a. Opening of New Branch/Office/Department/vertical.

b. VRS/Resignation/Termination/suspension of an officer.
c. Sabbatical/Maternity leave/Extra ordinary Leave/Demise of an officer.

Such mid-year transfer shall be undertaken from the waiting list of Request Transfer
maintained in HRMS.

3 POSTING GUIDELINES UPON TRANSFER & RECRUITMENT:

i. Officers upon Reporting to their respective Region/Zone, and also those who are directly
recruited e.g. Probationary Officers, Zone Based Officers etc. shall be placed to their
respective roles taking following points into considerations-

a. JOB-FAMILY GROUP
In terms of EASE guideline Each officer of the Bank has been allocated to a
specific/set of Job family. To the extent possible, it is strictly to be ensured that
each officer should be posted to his/her allocated job family group only subject to
review upon completion of 5 years in a particular job family.

b. PRIOR EXPERIENCE:
Existing officers who have prior experience to a particular/set of domains then
he/she should be considered to be posted to such roles which requires such
expertise. However, if officers have sufficient expertise i.e. 5 years of more in a
particular domain, they can also be posted to other posts which requires different
expertise ensuring cross functional exposure to officer in order to equip them for
future roles.

c. EDUCATIONAL QUALIFICATION:
Specialist officers who have acquired domain specific knowledge and secured
educational background specifically aligned to a particular post, should always be
posted to identified post only. His/her services should not be used as a mainstream
officer unless conversion is granted, or specific permission is obtained from Vertical
Head–HCM.

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d. SENSITIVE POSTS:

Officers whose name is included in Agreed list/List of officers with doubtful integrity
and those officers who is superannuating within current financial year should not
be posted/continued to a sensitive position as defined in Mandatory Leave policy of
the Bank, time to time. Further, Officers against whom major penalty has been
imposed should not be posted to sensitive positions before cooling period of one
year.

e. RURAL AND SEMI URBAN POSTING:

In terms of government guidelines all mainstream officers including AFOs, and Zone
Based Officer must be posted to Rural Branch for minimum 2 years and to Semi-
urban Branch for minimum 1 years. Officers who have not completed their Rural/SU
stint must be Rotated with officers who have already completed their stint.
However, for the purpose of Rotation provisions mentioned in this policy should
strictly be followed.

f. COOLING PERIOD FOR ADMIN POSTING:

Officers who have completed five years of continuous administrative posting, should
necessarily be posted to the field/Branch for minimum period of three years.
Needless to specify, upon completion of the cooling period, the Officer may be posted
to any administrative role subject to compliance of all other conditions under this
policy.

ii. POSTING OF VARIOUS CATEGORY OF OFFICERS

Besides various guidelines stipulated in clause 3 (i) of this policy, Posting of Officers
on various critical roles should be undertaken with due assessment and
administrative requirement. Following are the key indicative roles which may
requires due assessment and requirement while posting any officers on such roles.

a. POSTING OF OFFICER AS BRANCH HEAD:

Regional Head in case of Medium and Large Category Branch and Zonal head in case
of Very Large Category Branch, shall identify from the pool of officers who have
reported at their respective level and shall do primary screening of officers based
on their Job family, service record, prior experience, educational qualification, level
of capacity to assume responsibility, professional and administrative skill and of
course leadership traits to become a Branch Head. Matching of Branch Potential
with individuals’ skills and expertise should necessary be assessed while posting
any officers as Branch head.

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 __________________________________________________________________________

Following may be taken as key assessment points while identifying any officer as
Branch Head.

• He/she has worked in Credit Department in any Branch/RO/ZO or as has

worked as Deputy Branch Head/AFO preferably for minimum period of 2
years.
• Neither any major penalty is imposed, or his/her name is included in Agreed
list/LODI.
• He/she is not superannuating within current financial year.

b. POSTING OF OFFICERS TO VARIOUS ROLES IN BRANCHES/RO/ZO:

Officers for posting as Operation/Credit in charge in Branch or posting of officers in

RO/ZO to a particular department should be assessed based on their Job family
group, expertise, skill area, cooling period etc. however efforts should be given that
any officers who already have sufficient experience i.e. 5 years in a particular
domain, he/she should be posted to different roles so that cross functional exposure
could be given.

c. POSTING OF PROBATIONARY OFFICERS:

Probationary Officers, after completing the 52 weeks of initial OJT, shall be

permanently posted to a Branch preferably to Rural/Semi urban Branch. The
assignment of permanent Branch shall be undertaken in following order.

• Divyang Probationary Officers to their Home/Preferred Region.

• Lady Officer to Home/Nearest Region to the extent of identified Vacancy in the
order of their age (descending order)
• Other Officer as per Marks obtained in 52 weeks induction training

d. POSTING OF ZONE BASED OFFICERS:

Zone Based Officer (Local Bank Officer) are recruited for a select zone only
accordingly, their posting shall be rotated every three from one Branch/Office to
another Branch/office and to other region upon completion of six years. The order
of preference for posting shall be assigned in following order–
• Divyang Zone Based Officer to their Home/preferred Location.
• Lady Officer to Home/Nearest Region to the extent of identified Vacancy in the
order of their age (descending order)
• Other Officer in the order of their age (descending order)

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4. COMPETENT AUTHORITY FOR TRANSFERS

4.1 Following will be the competent authority for effecting Transfer on various grounds

SL Ground Criteria Competent Authority

1 Promotion Upon Promotion up to Scale III Vertical Head–HCM
2 Rotation i. Completion of Branch/Admin i. Regional Head
Tenure ii. Vertical Head-HCM
ii. Completion of Region Tenure iii. Vertical Head-HCM
iii. Completion of Zone Tenure
3 Request i. Normal Request Transfer i. Vertical Head–HCM
Transfer ii. Special Request Transfer ii. Vertical Head–HCM
4 Administrative All Officers up to scale III Vertical Head–HCM.
Ground

4.2 Besides what is stipulated in this Transfer policy, there shall be no exemption available
to any authority except to MD & CEO of the Bank. Any ground/reason/norms other than
what is defined within this policy should only be considered with prior approval from
MD & CEO with specific reason.

5. GRIEVANCE COMMITTEE ON TRANSFER MATTERS:

In terms of DFS revised guideline dated 26.11.2024, a grievance committee at each admin
level shall be constituted. Any complaint/Representation received should properly be
acknowledged and be presented before the committee for their review within 15 days.

Recruitment & Promotion Department–HCM at Central Office level shall be the Handling
department for the purpose of disposing off all grievances received. The grievances
should be submitted through HRMS only.

Following will be the structure of Grievance committee on Transfer Matters–

SL Competent Authority for effecting Grievance Committee

Transfer at their respective Level
1 Regional Head Chairman–Vertical Head HCM
2 Zonal Head Member- Two DGM from any dept.
Convener- R&P- HCM
3 Vertical Head–HCM Chairman–ED HCM
Member– Two VH from any Dept.
Convener– R&P, CO

6. STEP WISE PROCEDURE FOR EXECUTING TRANSFERS:

For the purpose of effecting Transfers on various grounds, e.g. Promotion, Rotation and
Request, Recruitment and Promotion Department–HCM Central Office shall workout
annual workforce requirement at each level. Following steps shall be adopted for
assessment of workforce requirement.

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Step1- Factors for assessing work force requirement at each office level must include
Business figure, number of vouchers, Non-financial Transactions, customer foot fall,
number of average accounts (Deposit and Advance) opened, other miscellaneous work as
per Bank approved TAT, Category of Branch etc.

Step2- After defining work force requirement for each category and size of the office, the
Gap should be ascertained at each level, i.e. Branches, Other Offices, Regions, Zones and
Bank from the existing strength. Further adjustment on account of Retirement, estimated
VRS/resignation/Deaths/ Outside Deputations, Sabbatical Leaves, unauthorized absence
beyond 720 days.

Step3- After step2, vacancies at each level including those which are likely to be created
due to Promotion and Rotation Transfer to be filled in by way of promotion Transfer and
then resultant vacancies including those which are likely to be crated due to request
transfer should be filled in by way of Request Transfers & Rotation to the extent of
available vacancies specifically in the order as defined in combined preference matrix.

***

Abbreviations and Definition:

Bank means Central Bank of India

CO means Central Office of the Bank.
MD & CEO means Managing director and Chief Executive Officer of the Bank.
ED HR means Executive Director of the Bank representing HCM department.
GM HCM means Vertical Head of Human capital Management Department of the Bank.
DGM means Deputy General Manager in Central Office of the Bank
ZO means Zonal office of the Bank.
ZH means Zonal Head of the Bank.
ZAO means Zonal Audit Office of the Bank.
RO means Regional Office of the Bank.
RH means Regional Head of the Bank.
RSETI means Rural Self Employment Training Institute.
BO means Branch Office of the Bank.
CBOTC means Central Bank Officers’ Training College at Kolkata and Bhopal.
SPBTC means Sir Sorabji Pochkhanawala Banker’s Training College at Mumbai.
CLD means Centre for Learning and Development.
CFB means Corporate Finance Branch of the Bank
MCB means Mid corporate Branch of the Bank
SAM means stressed assets Monitoring Branch/Department of the Bank.
ARB means Assets Recovery Branch
CPAC means Credit Processing and Approval Centre
Officer means officers in the Bank up to MMG scale III.
PO means Probationary Officer in the Bank.
ZBO means Zone Based Officer/Local Bank Officer

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ANNEXURE -I
COMBINED PREFERENCE MATRIX

Sl. Channel Code Description

1 Normal NR1 PH candidate applied for inter zone req transfer
2 Normal NR2 PH candidate applied for inter region req transfer
3 Special SR1 PH Candidate with 100% VI disability inter zone
4 Special SR2 PH Candidate with 100% Locomotor/HI/Intellectual disability inter zone
5 Special SR3 PH candidate >75% and < 100% VI/Locomotor/HI/Intellectual disability inter zone request transfer
6 Special SR4 PH candidate >50% and < 75% VI/Locomotor/HI/Intellectual disability inter zone request transfer
7 Special SR5 PH Candidate with disability <= 50% VI/Locomotor/HI/Intellectual disability inter zone
8 Special SR6 PH Candidate with 100% VI disability inter region
9 Special SR7 PH Candidate with 100% Locomotor/HI/Intellectual disability inter region
10 Special SR8 PH candidate >75% and < 100% VI/Locomotor/HI/Intellectual disability inter region
11 Normal NR3 Self critical illness (Cancer, Organ failure, Organ Transplant, Bypass, Open Heart, Brain Tumour/Hemmoriage etc) inter zone
12 Special SR9 PH candidate >50% and < 75% VI/Locomotor/HI/Intellectual disability inter region
13 Special SR10 PH Candidate with disability >40% and <= 50% VI/Locomotor/HI/Intellectual disability inter region
14 Special SR11 Self critical illness (Cancer, Organ failure, Organ Transplant, Bypass, Open Heart, Brain Tumour/Hemmoriage etc)
15 Normal NR4 Caregiver to PH child/spouse >75% disability inter zone
16 Normal NR5 Caregiver to critically ill child/spouse inter zone
17 Normal NR6 Caregiver to PH spouse/child <75% inter zone
18 Normal NR7 North eastern/Tribal/J &K Lady Officer for spouse joining Inter zone
19 Normal NR8 Spouse joining after marriage to lady officer first request (Spouse in own Bank) inter zone
20 Normal NR9 Spouse joining after marriage to lady officer first request (Spouse in DEFENSE) inter zone
21 Normal NR10 Single caregiver to PH Parents (>75% Disability) inter zone
22 Normal NR11 North eastern/Tribal/J &K Officer Inter Zone
23 Normal NR12 North eastern/Tribal/J &K Officer Inter region
24 Normal NR13 Single caregiver to PH Parents (<75% Disability) inter zone
25 Special SR12 Spouse joining after marriage to lady officer first request (Spouse in own Bank) inter zone
26 Normal NR14 Care giver to PH unmarried siblings with >75% disability (Parents not alive) inter zone
27 Normal NR15 Care giver to PH unmarried siblings with <75% disability (Parents not alive) inter zone
28 Normal NR16 Single child caregiver to critically ill (Organ failure/Cancer etc) parents inter zone
29 Normal NR17 Death of spouse/child inter zone
30 Special SR13 Death of spouse/child inter zone
31 Normal NR17 Self critical illness (Cancer, Organ failure, Organ Transplant, Bypass, Open Heart, Brain Tumour/Hemmoriage etc) inter region
32 Special SR14 Self critical illness (Cancer, Organ failure, Organ Transplant, Bypass, Open Heart, Brain Tumour/Hemmoriage etc) inter region
33 Normal NR18 Spouse joining (spouse in other Govt/PSU/Business) inter zone
34 Normal NR19 Spouse joining after marriage to lady officer first request (Spouse in Other Bank) inter region
35 Normal NR27 Spouse joining (spouse in other Govt/PSU/Business) inter region
36 Normal NR20 Officer retiring in next 1 year inter zone
37 Normal NR21 Other Officers inter zone
38 Normal NR22 Other lady officer inter region
39 Normal NR23 Officer retiring in next 1 year inter region
40 Normal NR24 Other Officers inter region
41 Normal NR25 Care giver to married sibling with disability
42 Special SR15 Caregiver to PH child/spouse >75% disability inter zone
43 Special SR16 Caregiver to critically ill child/spouse inter zone
44 Special SR17 Caregiver to PH spouse/child <75%
45 Special SR18 Single caregiver to PH Parents inter zone
46 Special SR19 Care giver to PH unmarried siblings with >75% disability (Parents not alive) inter zone
47 Special SR20 Care giver to PH unmarried siblings with <75% disability (Parents not alive) inter zone
48 Special SR21 Care giver to PH married siblings (both spouse) with disability (Parents not alive) inter zone
49 Special SR22 Single child caregiver to critically ill parents inter zone
50 Normal NR26 Major accident of close relative leading to permanent disability/death
51 Special SR23 Major accident of close relative not leading to permanent disability/death

***

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