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Wednesday, June 30, 2010

Canara Bank Recruitment 2010 ( 700 Investment Officers) Imp. Dates, Application Deadlines

Canara Bank
Recruitment cell, personnel wing
Head office (Annexe), 14, Naveen complex, MG road, Bangalore-560001
Website www.canarabank.com. No other means/mode of application will be accepted


Recruitment of Investment officers on contract
Applications are invited from Indian citizens for appointment to the post of investment officers on contract
Eligible candidates are requested to apply on-line through Bank's website
Important dates
Opening date for on-line registration in website: 22.06.2010
Closing date for on-line registration in website: 10.07.2010
Tentative date of written test: 05.09.2010
The details of number of posts are as follows
Total post: 700
Age: Minimum 21 years maximum 30 years
Reservations for investment officers on contract; SC 106, ST 53, OBC 191, UR 350, Total 700
State/UT wise requirement of Investment officers on Contract is as mentioned below
Andhra Pradesh 47; Assam 10; Bihar 04; Chandigarh 06; Chhattisgarh 06; Delhi 66; Goa 09; Gujarat 09; Chhattisgarh 06; Delhi 66; Goa 09; Gujarat 18; Haryana 13; Himachal Pradesh 02; Jharkhand 08; Karnataka 140; Kerala 54; Madhya Pradesh 09; Maharashtra 81; Orissa 05; Punjab 35; Rajasthan 04; Tamilnadu 110; Uttar Pradesh 46; Uttaranchal 05; West Bengal 22; Total 700
The reservations for the post of Investment officers on Contract shall be extended on All India basis, as per govt guidelines
The recruitment shall be on state-wise/UT wise basis. Candidates can apply for one state/ UT only and have to appear for the test, from a centre allotted for that particular state/UT. On selection, candidates will be placed anywhere in that state/union territory depending up on Bank's need
The number of posts and the reservations provided are provisional and may vary according to actual requirement of the Bank
3% of the total posts @ 1% each for VC/HI/OC candidates are reserved for the persons with disabilities
As the reservation for PWD candidates is on horizontal basis, the selected candidates will be placed in the appropriate category to which the candidate belongs. The above reservation is inclusive of shortfall/backlog reservation

Eligibility criteria and other details
All the eligibility criteria, qualification, age etc shall be computed as on 01.06.2010
Qualification: A Graduate in any discipline, preferably with MBA, and having flair for marketing the Insurance, Mutual Fund and other products of the Bank. All the qualifications mentioned should be from a recognized university/Institution
Knowledge (read/write/speak) of the local language of the state/UT for which he/she is applying, is essential
Candidates must necessarily be qualified by passing the IRDA License examination after their provisional selection, at their own cost. Provisionally selected candidates shall be allowed to join the bank only if they acquire the IRDA License within the period stipulated by the Bank
Candidate should possess the following; passion for marketing; work independently and also with team; computer literacy; good communication skills
Preference will be given to those candidates who have prior experience in marketing/insurance business
Since the job involves extensive travelling, candidates should have good physical fitness and ready to accept the challenges and meeting the targets
Computer Literacy: Operating computer systems in MS-DOS, MS Windows, Basic concepts of Networking and Connectivity, MS Office (Word, Excel, Power Point, e-mail etc) shall be an essential qualification, which a candidate must either possess or acquire within 6 months from the date of joining the Bank
Hindi Knowledge: The candidates shall acquire working knowledge of Hindi, if not possessed already, within 6 months from the date of joining the Bank
Job profile: Marketing the Insurance, Mutual Fund and other products of the Bank. Responsible for end-to-end sales, any other work assigned by the Bank from time to time
Period of contract: Three (03) years with an option to extend for two years at the discretion of the Bank
Fixed pay: Rs 15,000/- per month subject to achievement of minimum threshold premium of Rs 1 lakh per month i.e., Rs 12 lakhs per annum
The contract appointees, who fail to achieve performance with a minimum threshold premium of Rs 3.00 lakhs per quarter, consecutively for two quarters, beginning from the second quarter of their appointment shall cease to continue as contract appointees of the bank from the last day of the month from the end of the second quarter under review. However, if any candidate fails to achieve minimum threshold limit of Rs 3 lakhs in any quarter, Bank reserves right to cancel the contract appointment
Other benefits: Casual leave 10 days per calendar year; Annual leave 20 days in a calendar year
The Annual leave can be encashed to the extent of 50% every year. Carry over of unavailed casual/annual leave shall not be permitted
Other conditions: Applicable Income tax shall be deducted as per provisions; either party may terminate the contract by giving one month notice in writing/by remitting one month's fixed compensation amount; the Bank will have the right to recover at its discretion, any loss or money due to the Bank, from the amounts due and payable by the Bank without prejudice to any other remedies the Bank may adopt for recovering the same; 10% of the Basic will be deducted as employee's contribution towards contributory provident fund and monthly contribution will be provided by the bank over and above the fixed compensation. The employee's contribution as well as Bank's contribution towards contributory provident fund shall be settled at the time of cessation; the contract appointee shall not be eligible for any perquisites whatsoever which are payable to permanent employees of the Bank; officers recruited under the contract system are not eligible for pension in any form
Nationality/citizenship: A candidate must be either (i) a citizen of India or (ii) a subject of Nepal or (iii) a subject of Bhutan or (iv) a Tibetan refugee who came over to India before 01.01.1962 with the intention of permanently settling in India or (v) a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka, East African Countries of Kenya, Uganda, United Republic of Tanzania, Zambia, Malawi, Zaire, Ethiopia and Vietnam with the intention of permanently settling in India provided that a candidate belonging to categories (ii), (iii), (iv) or (v) above shall be a person in whose favour a certificate of eligibility has been issued by the govt of India. A Candidate in whose case a certificate of eligibility is necessary may be admitted to the examination/interview conducted by the Bank, but on final selection the offer of appointment may be given only after the necessary eligibility certificates issued by the govt of India, are produced
Relaxation in upper age limit: SC/ST by 5 years; OBC by 3 years; Persons with Disabilities by 10 years; all persons who are ordinarily domiciled in Kashmir Division of J&K state during 01.01.80 to 31.12.89 by 5 years; Ex-servicemen/Commissioned officers including those ECOs/ SSCOs who have rendered at least 5 years Military service and have been released on completion of assignment (including those whose assignment is due to be completed on or before 30.09.2010) otherwise than by way of dismissal or discharge on account of misconduct or inefficiency or physical disability attributable to Military service or on invalidment by 5 years
Application fee and postal charges (non refundable): SC/ST/PwD Rs 50/-; all others Rs 300/-
Procedure for making payment of application fee/postal charges: The application fee/postal charges can be paid by; directly crediting the amount in any of the Canara Bank branch or paying the amount through NEFT in any other Bank
The procedure for payment of fee is mentioned below; directly crediting the amount in any Canara Bank Branch (take print-out of the payment challan from website, fill the particulars viz, Name, Canara Bank branch name, city, amount, post applied for, submit the fee payment challan and amount in any Canara Bank branch, collect the candidate's copy of fee payment challan from the Branch), please check that challan is properly signed and the details of transaction sequence no/batch no, branch name and DP code number, deposit date are noted in the challan by the branch authorities; log on to bank website for applying on-line
Paying the amount through NEFT in any other Bank (if the candidate opts for payment through other Bank); fill the NEFT challan as required by the bank with beneficiary details as follows (Name of the account Canara Bank Recruitment Project - 2/2010,
Account number 1173201002149, Payee Bank Canara Bank, South End Road Branch, Bangalore, IFSC code CNRB0001173, make payment, collect NEFT payment receipt), please check that receipt is properly signed and the details of NEFT UTR No, IFSC code of the sending branch, name of the sending bank, city, deposit date, amount etc are noted in the challan by the branch authorities, log on to bank website for applying on-line
After on-line registration, candidates are requested to write their registration number, name, date of birth, post applied for on the back of the payment challan/NEFT receipt. Candidates have to submit this original payment challan/NEFT receipt along with test call letter at the time of written test
The application fee/postal charges should be paid during 22.06.2010 to 10.07.2010
Even if the last date of registration changes due to technical reasons, the valid dates for payment of application fee/postal charges will not be changed
Payment of fee by demand draft/cheque/money orders/postal orders etc will not be accepted
Selection procedure:
The selection for the post of Investment officers on contract shall be by way of written test and Interview
The test may be conducted on-line/off-line, there will be negative marks for wrong answers in objective test. The descriptive test is only for qualifying purpose. Bank will decide the minimum cut-off marks for each subject as well as total weighted score (TWS). Depending on the number of vacancies, such of those candidates who rank sufficiently high in the order of merit in the written test as per the cut off marks decided by the Bank will only be called for interview
Mere eligibility/admission to the test/pass in the test does not imply that the Bank is satisfied beyond doubt about the candidates' eligibility and shall not vest any right in a candidate for being called for interview. The Bank reserves the right to call only the requisite number of candidates for interview
Other details regarding the test will be given to the candidates in the Acquaint Yourself Booklet, which will be sent along with the call letter for written examination
The Bank reserves the right to change the selection procedure, if necessary. The change, if any, shall be communicated to the candidates in advance
Maximum marks for Interview is 100 and the final selection shall be state/UT wise and on the basis of performance in Interview only
The Bank would be free to reject the candidature of any candidate at any stage of the recruitment process, if he/she is found to be ineligible. If appointed, such a candidate may be summarily removed and the fees paid by the ineligible candidates shall be forfeited
Date of written test: The written test is tentatively fixed on 05.09.2010 at the following Centres. The exact venue address of the test will be intimated in the test call letter
Andhra Pradesh (Hyderabad, Visakhapatnam), Assam (Guwahati), Bihar (Patna), Chandigarh, Punjab, Himachal Pradesh (Chandigarh, Delhi), Chhattisgarh (Raipur), Delhi (Delhi), Goa (Panaji Goa), Gujarat (Ahmedabad), Haryana (Karnal), Jharkhand (Ranchi), Karnataka (Bangalore, Hubli, Mangalore), Kerala (Trivandrum, Calicut), Madhya Pradesh (Bhopal), Maharashtra (Mumbai,, Nagpur), Orissa (Bhubaneshwar), Rajasthan (Jaipur), Tamilnadu (Chennai, Coimbatore, Madurai), Uttar Pradesh (Agra, Delhi, Lucknow), Uttaranchal (Dehradun), West Bengal (Kolkata)
Security deposit: The selected candidates on appointment shall be required to make a security deposit of Rs 50,000/- with the bank to indemnify the bank against any loss or damage which may be caused to the Bank. An amount of Rs 20,000/- should be deposited upfront at the time of commencement of the contract and the balance of Rs 30,000/- to be deposited in 6 monthly installments
How to apply
The eligible candidates are required to apply on-line through bank's website www.canarabank.com. The guidelines for filling on-line application are as follows; candidates should have a valid personal e-mail id. In case, candidate is not having valid e-mail id, he/she should create a new e-mail id. This e-mail id should be valid for the duration of the project; candidates should have remitted the requisite fee in any branch of Canara Bank and should have details of payment made or candidates should have remitted the requisite fee in any other Bank through NEFT and should have details of payment made; please note that without valid payment details, on-line registration of application will be summarily rejected; candidates are required to visit the Bank's website www.canarabank.com-Careers-Positions open page and click on the link Recruitment Project - 2/2010 - Investment officers on Contract" and apply for the post. Alternatively, candidates can click the link Recruitment scrolling in the news update, which leads to the recruitment page; the link for registration of application will be open on our website on the dates indicated at the top of this advertisement; after filling in all the required particulars, candidates shall submit the application on-line; there is provision to modify the submitted on-line application. Candidates are requested to make use of this facility to correct the details in on-line application, if any. This modification facility shall be available after 2 days of registration and up to 12.07.2010. Modification will be allowed only 3 times. After the last date, no modification will be permitted; candidates should take utmost care to furnish the correct details while filling in on-line application; retain a copy of on-line application print out along with registration number and password safely for your records
While attending for the written test, candidates have to submit original payment challan/NEFT receipt along with test call letter, without which candidates are not allowed to take up examination

Tuesday, June 29, 2010

Due date for filling of return of Income Tax


Government of India

Ministry of Finance

Department of Revenue

Central Board of Direct Taxes

New Delhi, the 31st May, 2010.


Order under Section 119(1) of the Income Tax Act, 1961


The due date for filling of return of income within the meaning of Explanation 2(c) to Section 139(1) of the Income Tax Act, 1961 is 31st July, 2010. The income tax authorities are hereby directed to make arrangements for accepting the returns of income on 31st July, 2010 (being Saturday). This direction is issued for administrative convenience by the Central Board of Direct Taxes in exercise of powers conferred under section 119 of the Income Tax Act, 1961.


Special arrangements may also be made by way of opening additional receipt counters, wherever required, from 28th July to 31st July, 2010 to facilitate the taxpayers to file their returns.




(Ajay Goyal)

Director (ITA-II)

Saturday, June 26, 2010



The Clarian Call has given to go for indefinite strike from 13.07.2010 to resist the policy offensives, anti worker policies, total unilateralism and non consultation of Staff Side even on staff matters, non filling up of vacant posts, non consideration of cadre reviews etc. Our sincere, continuous persuasions through dialogue to mitigate the issues confronting the Postal workers are taken as no relevance and construed as our weakness. We have been forced to launch this indefinite strike programme to save Postal, RMS and also the staff from the exploitation and policy offensives of the Govt.

History and events have proved in the past that the desire of neglecting the union and collective bargaining and exert total authority and unilateralism do not succeed. Trade Unions have a hoary history ever before the May Day and the martyrs of Chicago. It came into existence against all odds, have sustained all offensives and have succeeded in ensuring that workers never relent or retreat in spite of ruthless repression.

In the name of Project Arrow, the employees at grass root level are being tortured, exploited even beyond imagination. The efficiency in service can be arrived only by providing adequate man power and simplifying the procedures. Many new business and tie ups are introduced but withdrawn subsequently. The withdrawal of Flight services for carrying mails is the testimony about the faulty decision resulting loss to the department for which no contributory negligence provisions are available against the decision taken authorities. It is only to the employees working at the base. Even for bonus drawal to GDS, the same higher ups are causing orders to recover from the DDOs & SPOs in case of over drawal.

The buildings already renovated under earlier schemes are now brought under the Project Arrow. Lakhs of rupees are being spent and swindled. The funds allotted for staff quarters are being utilized by the circle heads to beautify their quarters. Many Chief PMGs are misusing the funds allotments resulting with no maintenance work to the staff quarters. Many of them have never seen colour washing over years.

It is evident that the huge costs of the services are primarily due to the faults of the management. However the blame is conveniently shifted to the shoulders of the employees and they are squeezed to enforce economy by orders of banning creation of posts, justified denial of overtime, incentive, denial of due promotions and officiating pay, abolition of section, sorting offices in RMS, curtailment of delivery, closure of post offices etc. Savings at the cost of the employees and squandering colossal amount by the faulty management is the order of the day. As responsible trade union, we must resist this kind of policy offensives unleashed by the authorities.

The 13th July 2010 strike is aiming not only to wrest our demands like filling up of posts, cadre review etc but also against the policy offensives like closure of Pos, privatization of Postal Services, closure of RMS offices etc.

The Nail must be hit on the head not at the bottom end. By showing our full strength with full mobilization, we can resist such moves of the department and save the Postal Service as Public service. The pertinent question before us is nothing other than the following.

Are we being driven to the brink or to the wall?
Have we not reached the end of the Tether?
Has the last straw been loaded on the camel?
Shall we not rise like a Tempest, Tidal wave or Tornado?

To wrest our just demands and fundamental rights and honorable too.
Let us organize the 13th July Strike with full vigor, determination and make it a grant success to save the Postal and its workers.

Posted by AIPEU P3 CHQ

Declaring a holiday for Central Government offices on 14th October 2010

Declaring a holiday for Central Government offices located in Delhi/New Delhi on 14th October 2010 under the Negotiable Instrument Act on the occasion of Closing Ceremony of Commonwealth Games-2010


The Union Cabinet today approved declaration of a holiday for Central Government offices, including Central Public Sector Undertakings, located in Delhi/New Delhi on the 14th October 2010 (Thursday) under explanation to Section 25 of the Negotiable Instruments Act, 1881 on the occasion of Closing Ceremony of Commonwealth Games 2010.


This decision will facilitate the movement of traffic and ensure greater participation of public in the closing ceremony of the Commonwealth Games -2010.


The Commonwealth Games are scheduled to be held between 3rd – 14th October , 2010 in Delhi. The opening Ceremony of the games will be held at Jawaharlal Nehru Stadium on Sunday, the 3rd October and the Closing Ceremony will be held on Thursday, the 14th October 2010 at the same venue.



Consolidated instructions on Regularization of Unauthorized Absence

No.13026 /3/2010-Estt. ( Leave)

Government of India

Ministry of Personnel, P.G. and Pensions

(Department of Personnel & Training)



New Delhi, the 22nd June, 2010



Office Memorandum



Sub: Consolidated instructions on Regularization of Unauthorized Absence.


The undersigned is directed to say that this Department has been receiving various references from Ministries/ Departments regarding regularization of unauthorized absence for long periods. The references are made basically because the Ministries/Departments do not follow the prescribed procedure for dealing with such unauthorized absence.


Guidelines/instructions exist for handling such situations.


2. As per Rule 25 of the CCS (Leave) Rules 1972.


(1).Unless the authority competent to grant leave extends the leave, a Government servant who remains absent after the end of leave is entitled to no leave salary for the period of such absence and that period shall be debited against his leave account as though it were half pay leave. to the extent such leave i s due, the period in excess of such leave due being treated as extraordinary leave.


(2) Willful absence from duty after the expiry of leave renders a Government servant liable to disciplinary action. Government of India decisions also exist; than a Government Servant who remains absent without any authority should be proceeded against immediately and this should not be put off till the absence exceeds the limit prescribed in Rule 32(2) (a) of the CCS (Leave) Rules, 1972.


3. It is once again stressed that a Govt. servant who remains absent without any authority shout d be proceeded against immediately. All Ministries/Departments are requested to ensure that in all cases of unauthorized absence by a Government Servant, he should be informed of the consequences of such absence and be directed to rejoin duty immediately / within a specified date, say within three days, failing which he would be liable for disciplinary action under CCS(CCA) Rules 1965. If the Government Servant does not join duty by the stipulated date the Disciplinary Authority should initiate disciplinary action against him and the disciplinary case should be conducted and concluded as quickly as possible,


4. It is only due to apathy of the Disciplinary Authorities that the situation arises where long pending unauthorized absence leads to delay in other service matters of Government Servants, including promotions. To avoid such situations all Ministries / Departments should advise Disciplinary Authorities to ensure that prompt action is taken against Government Servants who absent themselves with out permission and that Charge-Sheets are issued without delay.


5. The consequences and procedure to be followed in respect of an officer who is absent from duty without any authority has been brought out under FR 17(1) and 17-A. As per FR 17-A(iii) without prejudice to the provisions of Rule 27 of the Central Civil Services (Pension) Rules. 1972, remaining absent without any authority or deserting the post, shall be deemed to cause an interruption or break in the service of the employee, unless otherwise decided by the competent authority for the purpose of leave travel concession, quasi-permanency and eligibility for appearing in department examinations, for which a minimum period of continuous service is required.


6. Comptroller and Auditor General have issued orders that the period of absence not covered by grant of leave shall have to be treated as "dies non" for all purpose,;, viz., increment, leave and pension. Such absence without leave when it stands singly and not in continuation of any authorized leave of absence will constitute an interruption of service for the purpose of pension and unless the pension sanctioning authority exercises its powers under Article 421, Civil Service Regulations [now Rule 27 of the CCS (pension) Rules] to treat the period as leave without allowance, the entire past service will stand forfeited.


7. It may be noted that regularization of unauthorized absence for pension purpose is to be considered under the CCS (Pension) Rules. Only in cases where the disciplinary authority is satisfied that the grounds adduced for unauthorized absence are justified, the leave of the kind applied for and due and admissible may be granted to him under the CCS (Leave) Rules.


8.. Hindi version will follow




(Simmi R. Nakra)


Thursday, June 24, 2010

Postal Department Saving Schemes

Frequently asked questions about Postal Saving Schemes (Must for Investors/Agents/Postal Employees)

1.Why a person should invest in National Savings Products ?

Ans: The investment in NS Products which are the products of Ministry of Finance, Government of India, has a sovereign guarantee and therefore NS products are fully secured and safe. The rates of interest offered on NS products are quite attractive as compared to other schemes in the financial market. The important aspect is that 100% of the collections made in the state is invested in the securities floated by the state govt. as a loan by the Govt. of India on long term basis which is used by the state govt. for their developmental activities in the state.

2. What products are under the fold of NSI ?

Ans : The Ministry of Finance, Govt. of India has structured 8 products to cater the needs of different segments of the investors as given below. All the products are need based and the investors can opt for the product as per their requirement.

1) Senior Citizen's Savings Scheme
2) Post Office Monthly Income Account
3) 15 Year Public Provident Fund Account
4) National Savings Certificate (VIII Issue)
5) 5-year Post Office Recurring Deposit Account
6) Post Office Time Deposit Account
7) Post Office Savings Account
8) Kisan Vikas Patra

3. Who formulates and introduces the schemes of National Savings?

Ans. Ministry of Finance designs the product in consultation with experts committees /National Savings Institute.

4. From where the investor can buy the National Savings products?

Ans. All products are available at Post offices. PPF and Senior Citizen Savings Scheme are also available with designated Bank's Branches.

5. Is post Office a member of clearing house to expedite Cheque clearance as banks?

Ans. Yes. All the HPO/GPOs are the members of clearing house for the purpose of Cheque clearance.

6. Is nomination facility available in National Savings Products?

Ans. Yes. The depositor can nominate one or more persons as the nominee and also mention the share of nominee in case of more than one nominee.

7. Whether NRI(s) can invest in the National Savings Products?

Ans. NRI(s) are not authorised to make investment in National Savings Products.

8. What is the mode of payment on maturity / premature closure of National Savings Products?

Ans: On Premature Closure or maturity, the deposits accepting authorities make payment in cash upto Rs. 20,000/- and by cheque in excess thereof.

9. Whether NS products enjoy the benefit of tax concession under Income Tax Act ?

Ans : The deposit in PPF, N.S.C. VIII Issue enjoy the benefit of tax concession under I.T.Act. The deposits in PPF qualify for deduction upto maximum of Rs.70,000/- and deposits in NSC VIII Issue upto Rs.1,00,000/- under Section 80 C of Income Tax Act. The interest accrued in NSC VIII Issue for 5 years also enjoy the benefit of Sec. 80 C of I.T.Act.

The interest on PPF and POSA is tax free as per the tax provisions under Sec.10 of I.T. Act.



1. Whether Cheque facility is available in P.O.S.A.?

Ans: Yes. Cheque facility is available in Post Office Savings Account like any other Bank.

2. Is there any maximum limit of deposit in the Post Office Savings Account?

Ans: Yes. In single account maximum deposit limit is Rs. 1,00,000 and in joint account it is Rs. 2,00,000 only.

3. Can a minor open a P.O.S.A. ?

Ans: Yes. A minor who has attained the age of 10 years can open POSA Account, More over a guardian can also open a account in the name of minor.

4. Can a person open a single as well as joint account separately?

Ans: Yes. A person can open a single and/or joint account separately even in the same post office.


1. Can a Post Office Recurring Deposit Account (PORD) be continued / extended beyond maturity period?

Ans: Yes, for a further period of 5 years by depositor at his option with or without deposits.

2. Whether premature closure of the P.O.R.D. account is permissible?

Ans: Yes. The holder of the account may prematurely close the account after three years from the date of opening and in such a case interest @ of Post Office Savings Account shall be payable.

3. Is there any provision of interest on discontinued account after maturity?

Ans: Yes. If maturity value of a discontinued account is retained by a depositor after the date of maturity, post maturity interest is allowed at P.O.S.A. rate as applicable from time to time.

4. Is there any social security benefit in PORD account?

Ans: Yes. All accounts upto maximum deposit Rs. 50/- P.M. are eligible for social security benefit subject to certain terms and conditions and maturity amount is paid to the nominee/legal heir of the depositor.

Post Office Monthly Income Scheme

1. Can a depositor open more than one P.O.M.I.S. account?

Ans: Yes. A depositor may open more than one account subject to the condition that deposits in all accounts taken together shall not exceed the prescribed limit.

2. Can joint MIS account be opened by 3 persons?

Ans : A joint MIS account can be opened by 2 and 3 persons and in such case, the share of the individual account holder will be ½ or 1/3 of the total deposits as the case may be. The maximum amount that can be deposited in a joint account opened with 2 or 3 persons will however be Rs.9,00,000/- only.

3. Whether a depositor is entitled for bonus on MIS?

Ans : No bonus shall be paid on the deposits made in the POMIS account opened on or after 13th Feb. 2006. However, bonus will be paid on all the accounts already opened before 13th Feb. 2006, on their maturity.Government of India announced bonus @ 5% on M.I.S.accounts opened on or after 8th December 2007.

4. Can a MIS account be prematurely closed?

Ans : A MIS account can be prematurely closed at any time after the expiry of a period of one year from the date of opening of such account subject to the condition that –

i) If the account is closed on or before expiry of 3 years of opening of such account, an amount equal to 2% of the deposit shall be deducted and remainder paid to him.

ii) If the account is closed after expiry of 3 years from the date of opening of such account, an amount equal to 1% of the deposit shall be deducted and remainder paid to the depositor.


1. Whether replacement of lost or destroyed K.V.P. is permissible?

Ans: Yes. The holder should apply for the issue of duplicate certificate and comply with the prescribed procedure..

2. Whether the K.V.P. can be encashed through messenger?

Ans: Yes. If endorsement on the back of the certificate have been signed already by the holder and accompanied by a letter of authority containing specimen signature duly attested.


1. Whether post maturity interest is paid on Time Deposit Accounts or not?
Ans: Yes. In case payment of a deposit becomes due and the same has not been made, interest shall be allowed on the amount at the post office savings account rate for a maximum period of two years only.

2. Whether Time Deposit Account can be pledged?

Ans: Yes. An application should be made in the prescribed form by the transferors and transferee as per rules.

3. Can the interest of Time Deposit Account be credited to the Post Office Savings Bank account standing in same post office?

Ans: Yes, on request in writing from the investor.

4. Can a POTD account be prematurely closed?

Ans: Yes. After six months. If premature closure is made after six months but before 1 year, no interest will be payable. In case the premature closer is after 1 year, the depositor will be paid 2% less than the rate of interest applicable for the period of deposit remaining with the Post Office.

5. Can a POTD account be prematurely closed ?

Ans : A POTD account can be closed prematurely after six months but before one year without interest. A POTD account for 2, 3, 5 years can be closed after one year and depositor will get 2% less than the rate of interest specified for a deposit of one year, two years, or three years as the case may be.

N.S.C. VIIIth Issue

1. Can Post Office issue certificate of annual interest in respect of N.S.C.s (VIII issue) for purpose of filling of income tax returns?

Ans: Yes. Post office issues the certificate on demand by the investors.

2. Can premature encashment be made in NSC VIII th issue?

Ans: No premature investment is allowed. However, the premature encashment can be made only in three conditions i.e. on death of the holder, on forfeiture by a pledgee & when ordered by Court of Law.


1. Can PPF account be extended after 15 years and is there any time limit?

Ans: Yes. The account can be extended for one or more blocks of five years by giving option in form 'H' within one year from the date of maturity of the account.

2. Whether the PPF Account can be continued without further deposits after maturity?

Ans: Yes. The depositor can continue the account without deposits after completion of maturity /extended block period.

3. Can a PPF account be opened by HUF ?

Ans : A PPF account is not allowed to be opened by HUF w.e.f. 13.5.2005. However, all the accounts which were opened earlier will continue to earn interest till their maturity.

4. A PPF account where no subscription has been made in a year is treated as discontinued?

Ans : A subscriber can deposit the minimum subscription of Rs.500/- + default fee of Rs.50/- for each year of default subject to the condition that the total deposit during the year in which defaulted subscription is deposited should not exceed the maximum deposit ceiling of Rs.70,000/- and it is not treated as discontinued.

5. Whether a person is entitled for interest on the deposits made in excess of the prescribed limit i.e. Rs.70,000/- in a PPF account ?

Ans : Accountholder is not entitled for interest on any amount deposited in excess of Rs.70,000/- in a financial year in the PPF account.

6. If a person opens PPF account in the name of individual and also in the name of a minor(s), how the limit of deposit is determined?

Ans : The maximum amount of Rs.70,000/- can be deposited by a person in a financial year in a PPF account opened in his name and in the name(s) of a minor(s) taken together.

7. Whether the investment in N.S.C., KVP, POMIS, POTD earns post maturity interest?
Ans : The post maturity interest on all the above schemes will be paid up to maximum period of two years from the date of maturity at the POSA rate applicable from time to time.

8. If the investment is made in NS products by cheque, what is the date of deposit ?

Ans : In case of deposit by cheque in the NS products, except PPF and R.D., the date of deposit will be the date of realization of cheque. However, in the case of PPF and R.D., the date of deposit will be treated as date of presentation of cheque.


1. Can a joint account be opened with any person under the Senior Citizen's Savings Scheme?

Ans : The account can be opened jointly with the spouse only.

2. What should be the age of the spouse in the case of Joint. Account?

Ans : In the case of Joint account, the age of first applicant /depositor is the only factor to decide the eligibility to invest under this scheme. There is no age bar/limit for the 2nd applicant/joint holder (i.e. spouse).

3. What is the share of the joint account holder in the deposit in SCSS ?

Ans : The share of the joint account holder under the scheme is attributed to the first applicant/depositor only. Question of any share of the 2nd applicant/ account holder (spouse) therefore does not arise.

4. In case, the depositor does not close the account on maturity and also not extend the account for a period of three years within a period of one year, how the interest is to be calculated/paid after the maturity period ?

Ans : The account shall be treated as matured and post maturity interest at the rate applicable to the deposits under POSA from time to time shall only be admissible for the period beyond maturity in accordance with the rules. The amount of excess interest paid (at higher rate applicable to deposits under SCSS) after the maturity shall be deducted.

5. Whether TDS will be deducted on the interest paid on SCSS ?

Ans : The tax will be deducted at source in respect of interest payable under SCSS. However, senior citizen can avail the facility of furnishing the form no. 15-H under income tax rules who is a resident in India and of the age of 65 years or more.

6. Can SCSS account be transferred from one deposit office to other?

Ans : A depositor may apply enclosing the pass book thereto for transfer of his account from one deposit office to another provided that where deposit is Rs.1 lakh or above transfer fee of Rs.5/- per lakh on deposit for the first transfer and Rs.10/- per lakh of the deposit for the 2nd and subsequent transfers shall be payable by the depositor.

7.What is the period up to which post maturity interest can be given?

Ans : In case, the account is not closed on completion of the five years, maturity period and also not extended under rule 4(3), post maturity interest at the POSA rate from time to time shall be paid till the end of the month preceding the month of closure. No time limit has been prescribed.

Agency System

1. Whether the services of National Savings Agent's are available to the investors?
Ans. Yes. Except in case of Post office savings Bank account. However investors in their own interest should either tender Cheque drawn in favour of the deposit accepting agency i.e. post office or bank to the agents or obtain proper Agent's Receipt as a token of receipt from the agent.

2. How an individual can become agent of NSI ?

Ans: There are three types of agents operative in the National Savings Agency system namely ,
1. Standardised Agency System(SAS)
2. Mahila Pradhan Agency System(MPKBY)
3. Public Provident Fund Agency System(PPF)

The work relating to appointment, renewal and servicing of the agents has been transferred by Govt. of India to the respective State Governments and in most of the cases District Collector/Dy. Commissioner is the appointing authority in their respective area of operation. The procedure regarding appointment also varies from State to State depending on their requirements of agents and any person interested to work as agent in National Savings can approach the concerned District Magistrate / Dy. Collector/Director Small Savings of the respective state, Regional Director, NSI, of the concerned area.

3. What is the procedure for payments of commission?

Ans: Agents under National Savings are paid commissions at the rate of 1% in SAS and PPF agency system & 4% in MPKBY Agency System which is applicable in case of ladies only and they are authorized to canvass only Recurring Deposit Scheme. The payment of commission is made by the deposit accepting authorities at source. However, in case of deposit canvassed under Senior Citizen Savings Scheme, the commission is payable only 0.5% to women/men agents working under SAS agency.

Source: National Savings Institute

Instructions on Project Arrow Group by SDC Chennai

Project Arrow Group contains the following forms:
1) Request Registration Closures
2) Request Registration Transfers
3) Request Registration Other Office
4) Status updation – Closures
5) Status Updation - Xfrd In
6) Status Updation - Xfrd Out
7) Status Updation - Other Office
8) Reports
1) Request Registration Closures
Step1: Select scheme >> SB/RD/MIS/NSS/PPF/TD/SCSS
Step2: Select Type of Request >> Account Closure / Claim Sanction / Claim Closure
Step3: Type Account Number
Clicking on 'Save' Button will generate the Request id.
2) Request Registration Transfers
Step 1: Select 'Request From' >> Customer / DAK
In 'Request From' >> Customer Option
Step 2: Select scheme >> SB/RD/MIS/NSS/PPF/TD/ SCSS
Step 3: Select Type of Request >> Account Closure / Claim Sanction / Claim Closure
Step 4: Type Account Number
In 'Request From' >> DAK
Step 2: Select scheme >> SB/RD/MIS/NSS/PPF/TD/SCSS
Step 3: Select Type of Request >> Account Closure / Claim Sanction/ Claim Closure
Step 4: Type Account Number
Step 5: Type the 'AT No' and 'Date'
Clicking on 'Save' Button will generate the Request id.
3) Request Registration Other Office
Step1: Select scheme >> SB/RD/MIS/NSS/PPF/TD/ SCSS
Step2: 'Office where account Stands'
Step3: Type Account Number
Clicking on 'Save' Button will generate the Request id.
4) Status updation - Closures
Step 1: Type the 'Request id'
Details of Scheme, Type of Request, Account No, End Date & Time,
Remarks will be displayed.
Step 2: Verify the details and click on send button.
5) Status Updation - Xfrd In
Step1: Type the 'Request id'
Details of Scheme, Type of Request, Transfer Request by, Account No,
End Date & Time, will be displayed.
Step 2: Type Remarks
Step 3: Verify the details and click on the send button.
6) Status Updation - Xfrd Out
Step1: Type the 'Request id'
Details of Scheme, Type of Request, Transfer Request by,
Account No., End Date & Time, will be displayed.
Step 2: Type Remarks
Step 3: Verify the details and click on the send button.
7) Status Updation - Other Office
Step1: Type the 'Request id'
Details of Scheme, Type of Request, Office where account stands,
Account No, End Date & Time will be displayed.
Step 2: Type Remarks, RL No. and date
Step 3: Verify the details and click on the send button.
8) Reports
1. Transactions performed by a person.
2. SB branch KPIs
3. Customer Request status

Wednesday, June 23, 2010

Holidays to be observed in Central Government offices during the year 2011

Holidays to be observed in Central Government offices during the year-2011





Government of India
Ministry of Personnel, Public Grievances and Pensions
(Department of Personnel and Training)



North Block, New Delhi
Dated the 21st June, 2010



Subject: Holidays to be observed in Central Government offices during the year 2011.



It has been decided that the holidays as specified in the Annexure -I to this O.M. will be observed in all the Administrative Offices of the Central Government located at Delhi/New Delhi during the year 2011. In addition, each employee will also be allowed to avail himself/herself of any two holidays to be chosen by him/her out of the list of Restricted Holidays in Annexure - II.

2. Central Government Administrative Offices located outside Delhi / New Delhi shall observe the following holidays compulsorily in addition to three holidays as per para 3.1 below:


3.1. In addition to the above 14 Compulsory holidays mentioned in para 2, three holidays shall be decided from the list indicated below by the Central Government Employees Welfare Coordination Committee in the State Capitals, if necessary, in consultation with Coordination Committees at other places in the State. The final list applicable uniformly to all Central Government offices within the concerned State shall be notified after seeking prior approval of this Ministry and no change can be carried out thereafter. It is also clarif~ed that no change is permissible in regard to festivals and dates as indicated.


3.2 No substitute holiday should be allowed if any of the festival holidays initially declared subsequently happens to fall on a weekly off or any other non- working day or in the event of more than one festivals falling on the same day.

4. The list of Restricted Holidays appended to this O.M. is meant for Central Government Offices located in Delhi / New Delhi. The Coordination Committees at the State Capitals may draw up separate list of Restricted Holidays keeping in view the occasions of local importance but the 9 occasions left over, after choosing the 3 variable holidays in para 3.1 above, are to be included in the list of restricted holidays.

5.1 For offices in Delhi / New Delhi, any change in the date of holidays in respect of Idu'l Fitr, Idu'l Zuha, Muharram and Id-e-Milad, if necessiuy, depending upon sighting of the Moon, would be declared by the Ministry of Personnel, Public Grievances and Pensions after ascertaining the position from the Govt. of NCT of Delhi.

5.2 For offices outside Delhi / New Delhi, the Central Government Employees Welfare Coordination Committees at the State Capitals are authorised to change the date of holiday, if necessary, based on the decision of the concerned State Governments / Union Territories, in respect of Idu'l Fitr, Idu'l Zuha, Muharram and Id-e-Milad.

5.3 It may happen that the change of date of the above occasions has to be declared at a very short notice. In such a situation, announcement could be made through T.V. / A.I.R. / Newspapers and the Heads of Department / Offices of the Central Government may take action according to such an announcement without waiting for a formal order, about the change of date.

6. During 2011, Diwdi (Deepavali) falls on Wednesay, October 26, 2011 (Kartika 04). In certain States, the practice is to celebrate the occasion a day in advance, i.e., on "Narakachaturdasi Day". In view of this, there is no objection if holiday on account of Deepavali is observed on 'Naraka Chaturdasi Day (in place of Deepavali Day) for the Central Government Offices in a State if in that State that day alone is declared as a compulsory holiday for Diwali for the offices of the State Government. However, in the year 20 1 1, Diwali (Deepavali) and Narak Chaturdasi Day, both are falling on the same day i.e. October 26, 2011.

7. Central Government Organisations which include industrial, commercial and trading establishments would observe upto 16 holidays in a year including three national holidays viz. Republic Day, Independence Day and Mahatma Gandhi's birthday, as compulsory holidays. The remaining holidays / occasions may be determined by such establishments / organisations themselves for the year 2011, subject to para 3.2 above.

8. Union Territory Administrations shall decide the list of holidays in terms of Ministry of Home Affairs letter No.14046/27/83- GP-I dated 15.2.1984 by which they would observe a total of 16 holidays including the three National Holidays Viz. Republic Day, Independence Day & Mahatma Gandhi's birthday.

9. In respect of Indian Missions abroad, the number of holidays may be notified in accordance with the instructions contained in this Department's O.M. No.12/5/2002-JCA dated 17th December, 2002. In other words, they will have the option to select 12(Twelve) holidays of their own only after including in the list, three National Holidays and Mahavir Jayanti, Christmas Day included in the list of compulsory holidays and falling on days of weekly off.

10. In respect of Banks, the holidays are restricted to 15 days in a year in terms of the instructions issued by the Department of Economic Affairs (Banking Division).

11. Hindi version will follow.






Encl.: Lists of holidays








S.No. HolidayDateSaka DateDay
1 Republic DayJanuary 26Magha 06Wednesday
2 Milad-Un-Nabi or Id-E-Milad (Birthday of Prophet Mohammad)Febuary 16Magha 27Wednesday
3 Maha ShivaratriMarch 02Phalguna 11Wednesday
4 Ram NavamiApril 12Chaitra 22Tuesday
5 Mahavir JayantiApril 16Chaitra 26Saturday
6 Good FridayApril 22Vaisakha 02Friday
7 Buddha PrunimaMay 17Vaisakha 27Tuesday
8 Independence DayAugust 15Sravana 31Monday
9 Janamashtami (Vaisnava)August 22Sravana 31Monday
10 Idu'l FitrAugust 31Bhadra 09Wednesday
11 Mahatma Gandhi's BirthdayOctober 02Asvina 10Sunday
12 Dussehra (Vijaya Dashami)October 06Asvina 14Thursday
13 Diwali (Deepavali)October 26Kartika 04Wednesday
14 Idu'l Zuha (Bakrid)November 07Kartika 16 Monday
15 Guru Nanak's Birthday November 10Kartika 19Thursday
16 MuharramDecember 06Agrahayana 15Tuesday
17 Christmas DayDecember 25Pausa 04Sunday



S.No. HolidayDateSaka DateDay
1New Year's DayJanuary 01Pausa 11Saturday
2 Guru Gobind Singh's Birthday Januray 05Pausa 15Wednesday
3 Makar SankrantiJanuray 14Pausa 24Friday
4 PongalJanuary 15Pausa 25Saturday
5 Basanta Panchami / Sri PanchamiFebruary 08Magha 19Tuesday
6 Guru Ravidas' BirthdayFebruary 18Magha 29Friday
7 Shivaji Jayanthi February 19Magha 30Saturday
8 Swami Dayananda Saraswati JayantiFebruary 27Phalguna 08Sunday
9 Holika Dahan (Dol yatra)March 19Phalguna 28Saturday
10 HoliMarch 20Phalguna 29Sunday
11Chaitra Sukladi / Gudi Padava / Ugadi / Cheti ChandApril 04Chaitra 14Monday
12 VaisakhiApril 14Chaitra 24Thursday
13 VishuApril 14Chaitra 24Thursday
14MesadiApril 14Chaitra 24Thursday
15Vaisakhadi (Bengal)/Bahag Bihu (Assam)April 15Chaitra 25Friday
16 Easter SundayApril 24Vaisakha 04Sunday
17 Guru Rabindranath's BirthdayMay 09Vaisakha 19Monday
18 Hazarat Ali's BirthdayJune 16Jyaishtha 26Thursday
19 Rath Yatra July 03Asadha 12Sunday
20 Raksha BandhanAugust 13Sravana 22Friday
21Parsi New Year's dayAugust 19Sravana 28Friday
22Jamat-UI-VidaAugust 26Bhadra 04Friday
23 Ganesh Chaturthi / Vinayaka ChaturthiSeptember 01Bhadra 10Thursday

24 OnamSeptember 09Bhadra 18Friday
25 (Maha Saptami Additional)October 03Asvina 11Monday
26 Dussehra (Maha Astami) (Additional)October 04Asvina 12Tuesday
27 Dussehra (Maha Navami)October 05Asvina 13Wednesday
28 Maharishi Valmiki's BirthdayOctober 11Asvina 19Tuesday
29 Deepavali (South India)October 26Kartika 04Wednesday
30 Narak ChaturdasiOctober 26Kartika 04Wednesday
31 Govardhan PujaOctober 27Kartika 05Thursday
32 Bhai DujOctober 28Kartika 06Friday
33 Pratihar Sashthi or Surya Sashthi (Chhat Puja)November 01Kartika 10Tuesday
34 Guru Teg Bahadur's Martyrdom DayNovember 24Agrahayana 03Thursday
35 Christmas EveDecember 24Pausa 03Saturday

Leave Rules for central govt employees - Reference

Different Types of Leave available to central government employees and a brief description of each leave.


1. Earned Leave:
2. Half Pay Leave:
3. Commuted Leave:
4. Leave Not Due:
5. Maternity Leave:
6. Paternity Leave:
7. Study Leave:
8. Extra Ordinary Leave:
9. Casual Leave:
10.Child Care Leave:
11.Hospital Leave::
12.Vacational Department Staff Leave:
13: Special Disability Leave:
14. Child Adoption Leave:


1. Earned Leave:
The credit for earn leave will awarded at a rate of 15 days on the 1st of January and 1st of July every year. It can be accumulated up to 300 days in addition to the number of days for which encashment has been allowed along with LTC. Maximum of 180 days at a time can be availed in the case of Earned Leave. Some exceptions are also there.
Earned leave exceeding 180 days but not exceeding 300 days at a time may be granted to Group 'A' and Group 'B' officers, if at least the quantum of leave in excess of 180 days is spent outside India, Srilanka, Bangladesh, Nepal , Pakistan , Bhutan Burma. This leave may be taken at at time upto 300 days as leave preparatory to retirement.


2. Half Pay Leave
Half pay leave is calculated at 20 days for each completed year of service. For eg, if you are in service for 2 years , you will be having a total of 40 days of half pay leave. The service inculdes periods of duty and leave including extraordinary leave with or without MC. Half pay leave can be availed with or without MC(Medical Certificate). From 1st January 1986, half pay leave is credited in advance at the rate of 10 days on the 1st of January and 1st of July every year.


3.Commuted Leave:
Commuted leave not exceeding half the amount of half-pay leave due can be taken on medical certificate. Up to a maximum of 90 days can be taken during the entire service without medical certificate where such leave is utilized for an approved course of study certified to be in university interest.
It can be taken up to a maximum of 60 days can be granted to a female employee in continuation of maternity leave without medical certificate and upto a maximum of 60 days can be granted without medical certificate to a female employee with less than two living children, on adoption of a child less than one year old. Commuted leave may be granted at the request of the employee even when earned leave is due to him.


4. Leave Not Due
Leave not due is granted when there is no half-pay leave at credit and the employee requests for the grant of Leave Not Due. Temporary officials with one year's service and suffering from TB, Leprosy, Cancer or Mental illness may also be granted LND if the post from which the official proceeds on leave is likely to last till his return.

It is granted only medical certificate if the leave sanctioning authority is satisfied that there is a reasonable prospect of the employee returning to duty on its expiry. It may be granted without medical certificate in continuation of maternity leave. and may be granted without medical certificate to a female employee with less than two living children, on adoption of a child less than one year old. The amount of leave should be limited to the half-pay leave that the employee is likely to earn subsequently.

Leave not due during the entire service is limited to a maximum of 360 days and due will be debited against the half-pay leave that the employee may earn subsequently.


5. Maternity Leave
Maternity leave is granted to women government employees.
1) Pregnancy: 180 days – Admissible only to employees with less than two surviving children.
2) Miscarriage/abortion (induced or otherwise): Total of 45 days in the entire service. However, any such leave taken prior to 16.6.1994 will not be taken into account for this limitation. Admissible irrespective of number of surviving children. Application to be supported by a certificate from a registered medical practitioner for NGOs and from AMA for GOs.
The materntiy leave is not debited to leave account and full pay is granted. It cannot be combined with any other leaves and counts as service for increments and pension.


6. Paternity Leave
A male employee with less than two surviving children may be granted Paternity Leave for a period of 15 days during the confinement of his wife. During the period of such leave he shall be paid leave salary equal to the pay drawn immediately before proceeding on leave. Paternity Leave shall not be debited against the leave account and may be combined with other kind of leave as in the case of Maternity Leave.


7. Study Leave
Study leave may be granted to all government employees with not less than five years' service for undergoing a special course consisting of higher studies or specialized training in a professional or technical subject having a direct and close connection with the sphere of his duties as a civil servant.
The course for which the study leave is taken should be certified to be of definite advantage to govt from the point of view of public interest and that particular study should be approved by the authority competent to grant leave.
The official should submit a full report on the work done during study leave. Maximum of 24 months of leave is sanctioned. In the case of CHS officers 36 months of leave can be granted at a stretch or in different spells.
Study leave will not be debited to the leave account and may be combined with other leave due.
Study leave is not granted for studies outside India if facilities are available in India and to an official due to retire within 3 years of return from the study leave.


8. Extra Ordinary Leave
Extraordinary leave is granted to a Government servant when no other leave is admissible or when other leave is admissible, but the Government servant applies in writing for extraordinary leave.

Extraordinary leave cannot be availed concurrently during the notice period, when going on voluntary retirement and EOL may also be granted to regularize periods of absence without leave retrospectively.


9. Casual Leave
In a calendar year eight days of casual leave is permissible.
Casual leave is not a recognized form of leave and is not subject to any rules made by the Government of India. An official on Casual Leave is not treated as absent from duty and pay is not intermitted.

(i) Casual Leave can be combined with Special Casual Leave/vacation but not with any other kind of leave.
(ii) It cannot be combined with joining time.
(iii) Sundays and Holidays falling during a period of Casual Leave are not counted as part of Casual Leave.
(iv) Sundays/public holidays/restricted holidays/weekly offs can be prefixed/suffixed to Casual Leave.
(v) Casual Leave can be taken while on tour, but no daily allowance will be admissible for the period.
(vi) Casual Leave can be taken for half day also.
(vii) Essentially intended for short periods. It should not normally be granted for more than 5 days at any one time,
except under special circumstances.
(viii) LTC can be availed du ring Casual Leave.
(ix) Individuals appointed and joining duty during the middle of a year may avail of Casual Leave proportionately or to the full extent at the discretion of the Competent Authority.


10. Child Care Leave
Woman employees having minor children may be granted Child Care Leave by an authority competent to grant leave for a maximum period of 730 days (2 years) during their entire service for taking care of up to two children., whether for rearing or to look after any of their needs like examination, sickness, etc.
Conditions for Child Care Leave
1. Child care leave shall not be admissible if the child is eighteen years of age or older equal to the pay drawn immediately before proceeding on leave.
2. It can be availed in more than one spell.
3. It can not be debited against the leave account.
4. It may be combined with leave of the kind due and admissible.


11. Hospital Leave:
Hospital leave is admissible to Group 'C' employees whose duteis involve handling of dangerous machinary, explosive materials, poisonous drugs and perfomance of hazardous taks and to Group 'D' Employees.
Medical certificate from an authorized medical attendant is necessary for grant of this leave. This hospital leave may be combined with any other kind of leave due and admissible, provided total period of leave does not exceed 28 months.


12. Vacation Department Staff leave Entitlement
The leave entitlements of employees of Vacation Departments (ie departments where regular vacations are allowed during which those serving in them are permitted to be absent from duty) are the same as those serving in non-vacation Departments except in respect of 'earned leave'.
No earned leave will be admissible to a govt servant of a vacation Department in any year in which he avails of the full vacation. The vacation can be combined with casual leave.


13. Special Disability Leave
Special disability leave admissible to all employees when disabled by injury intentionally or accidentally inflicted or caused in or in consequence of the due performance of official duties or in consequences of official position. The disability above should have manifested within three months of the occurrence to which it is attributed and the person disabled had acted with due promptitude in bringing it to notice. The leave sanctioning authority, if satisfied as to the cause of the disability, may relax the condition and grant leave in cases where disability has manifested more than three months after the occurrence of its cause.

Special disability leave is also admissible when disabled by illness incurred in the performance of any particular duty, which has the effect of increasing liability to illness or injury beyond the ordinary risk attaching to the civil post held, under the same condition.This disability should be certified by an Authorised Medical Attendant to be directly due to the performance of the particular duty.

Maximum of 24 months of leave may be granted.
May be combined with any other leave.
Will count as service for pension.
Will not be debited to the leave account.

14) Child Adoption Leave:
Child adoption leave is granted to Female employees, with fewer than two surviving children on valid adoption of a child below the age of one year, for a period of 135 days immediately after the date of valid adoption.

Leave salary will be equal to the pay drawn immediately before proceeding on leave.
It may be combined with leave of any other kind.
Leave not debited against the leave account.

Source: Central Government Employees News | I My Ideas

Tuesday, June 22, 2010

Is your Antivirus working?

Is your Antivirus Working ?? What do you think ?? How effectively does it work for your security ?? Well there is a simple ways to find it out. In fact this trick is really amazing and surprising.

To Check if your AntiVirus is Working :

Open Notepad.

Now Copy this code in the text file….


Then save it with the name fakevirus.exe

Now, If the File got Detected Immediately .. It means your Antivirus is working Properly.

Info : This test virus was developed by the European Institute for Computer Anti-Virus Research (EICAR) to provide an easy (and safe!) way to test whether your anti-virus software is working, and see how it reacts when a virus is detected. It is supported by most leading vendors, such as IBM, McAfee, Sophos, and Symantec/Norton.
Thanks to Kiran Kishore, Mumbai City North Division

Monday, June 21, 2010

source: http://www.historyguide.org/

Karl Marx, 1818-1883

The worker becomes all the poorer the more wealth he produces, the more his production increases in power and range. The worker becomes an ever cheaper commodity the more commodities he creates. With the increasing value of the world of things proceeds in direct proportion to the devaluation of the world of men. Labour produces not only commodities; it produces itself and the worker as a commodity -- and does so in the proportion in which it produces commodities generally.
Marx, Economic and Philosophic Manuscripts (1844)
The philosopher, social scientist, historian and revolutionary, Karl Marx, is without a doubt the most influential socialist thinker to emerge in the 19th century. Although he was largely ignored by scholars in his own lifetime, his social, economic and political ideas gained rapid acceptance in the socialist movement after his death in 1883. Until quite recently almost half the population of the world lived under regimes that claim to be Marxist. This very success, however, has meant that the original ideas of Marx have often been modified and his meanings adapted to a great variety of political circumstances. In addition, the fact that Marx delayed publication of many of his writings meant that is been only recently that scholars had the opportunity to appreciate Marx's intellectual stature.
Karl Heinrich Marx was born into a comfortable middle-class home in Trier on the river Moselle in Germany on May 5, 1818. He came from a long line of rabbis on both sides of his family and his father, a man who knew Voltaire and Lessing by heart, had agreed to baptism as a Protestant so that he would not lose his job as one of the most respected lawyers in Trier. At the age of seventeen, Marx enrolled in the Faculty of Law at the University of Bonn. At Bonn he became engaged to Jenny von Westphalen, the daughter of Baron von Westphalen , a prominent member of Trier society, and man responsible for interesting Marx in Romantic literature and Saint-Simonian politics. The following year Marx's father sent him to the more serious University of Berlin where he remained four years, at which time he abandoned his romanticism for the Hegelianism which ruled in Berlin at the time.
Marx became a member of the Young Hegelian movement. This group, which included the theologians Bruno Bauer and David Friedrich Strauss, produced a radical critique of Christianity and, by implication, the liberal opposition to the Prussian autocracy. Finding a university career closed by the Prussian government, Marx moved into journalism and, in October 1842, became editor, in Cologne, of the influential Rheinische Zeitung, a liberal newspaper backed by industrialists. Marx's articles, particularly those on economic questions, forced the Prussian government to close the paper. Marx then emigrated to France.
Arriving in Paris at the end of 1843, Marx rapidly made contact with organized groups of émigré German workers and with various sects of French socialists. He also edited the short-lived Deutsch-Französische Jahrbücher which was intended to bridge French socialism and the German radical Hegelians. During his first few months in Paris, Marx became a communist and set down his views in a series of writings known as the Economic and Philosophical Manuscripts (1844), which remained unpublished until the 1930s. In the Manuscripts, Marx outlined a humanist conception of communism, influenced by the philosophy of Ludwig Feuerbach and based on a contrast between the alienated nature of labor under capitalism and a communist society in which human beings freely developed their nature in cooperative production. It was also in Paris that Marx developed his lifelong partnership with Friedrich Engels (1820-1895).
Marx was expelled from Paris at the end of 1844 and with Engels, moved to Brussels where he remained for the next three years, visiting England where Engels' family had cotton spinning interests in Manchester. While in Brussels Marx devoted himself to an intensive study of history and elaborated what came to be known as the materialist conception of history. This he developed in a manuscript (published posthumously as The German Ideology), of which the basic thesis was that "the nature of individuals depends on the material conditions determining their production." Marx traced the history of the various modes of production and predicted the collapse of the present one -- industrial capitalism -- and its replacement by communism.
At the same time Marx was composing The German Ideology, he also wrote a polemic (The Poverty of Philosophy) against the idealistic socialism of P. J. Proudhon (1809-1865). He also joined the Communist League. This was an organization of German émigré workers with its center in London of which Marx and Engels became the major theoreticians. At a conference of the League in London at the end of 1847 Marx and Engels were commissioned to write a succinct declaration of their position. Scarcely was The Communist Manifesto published than the 1848 wave of revolutions broke out in Europe.
Early in 1848 Marx moved back to Paris when a revolution first broke out and onto Germany where he founded, again in Cologne, the
Neue Rheinische Zeitung
. The paper supported a radical democratic line against the Prussian autocracy and Marx devoted his main energies to its editorship since the Communist League had been virtually disbanded. Marx's paper was suppressed and he sought refuge in London in May 1849 to begin the "long, sleepless night of exile" that was to last for the rest of his life.
Settling in London, Marx was optimistic about the imminence of a new revolutionary outbreak in Europe. He rejoined the Communist League and wrote two lengthy pamphlets on the 1848 revolution in France and its aftermath, The Class Struggles in France
and The 18th Brumaire of Louis Bonaparte. He was soon convinced that "a new revolution is possible only in consequence of a new crisis" and then devoted himself to the study of political economy in order to determine the causes and conditions of this crisis.
During the first half of the 1850s the Marx family lived in poverty in a three room flat in the Soho quarter of London. Marx and Jenny already had four children and two more were to follow. Of these only three survived. Marx's major source of income at this time was Engels who was trying a steadily increasing income from the family business in Manchester. This was supplemented by weekly articles written as a foreign correspondent for the New York Daily Tribune.
Marx's major work on political economy made slow progress. By 1857 he had produced a gigantic 800 page manuscript on capital, landed property, wage labor, the state, foreign trade and the world market. The Grundrisse (or Outlines) was not published until 1941. In the early 1860s he broke off his work to compose three large volumes, Theories of Surplus Value, which discussed the theoreticians of political economy, particularly Adam Smith and David Ricardo. It was not until 1867 that Marx was able to publish the first results of his work in volume 1 of Capital, a work which analyzed the capitalist process of production. In Capital, Marx elaborated his version of the labor theory value and his conception of surplus value and exploitation which would ultimately lead to a falling rate of profit in the collapse of industrial capitalism. Volumes II and III were finished during the 1860s but Marx worked on the manuscripts for the rest of his life and they were published posthumously by Engels.
One reason why Marx was so slow to publish Capital was that he was devoting his time and energy to the First International, to whose General Council he was elected at its inception in 1864. He was particularly active in preparing for the annual Congresses of the International and leading the struggle against the anarchist wing led by Mikhail Bakunin (1814-1876). Although Marx won this contest, the transfer of the seat of the General Council from London to New York in 1872, which Marx supported, led to the decline of the International. The most important political event during the existence of the International was the Paris Commune of 1871 when the citizens of Paris rebelled against their government and held the city for two months. On the bloody suppression of this rebellion, Marx wrote one of his most famous pamphlets, The Civil War in France, an enthusiastic defense of the Commune.
During the last decade of his life, Marx's health declined and he was incapable of sustained effort that had so characterized his previous work. He did manage to comment substantially on contemporary politics, particularly in Germany and Russia. In Germany, he opposed in his Critique of the Gotha Programme, the tendency of his followers Wilhelm Liebknecht (1826-1900) and August Bebel (1840-1913) to compromise with state socialism of Lasalle in the interests of a united socialist party. In his correspondence with Vera Zasulich Marx contemplated the possibility of Russia's bypassing the capitalist stage of development and building communism on the basis of the common ownership of land characteristic of the village mir.
Marx's health did not improve. He traveled to European spas and even to Algeria in search of recuperation. The deaths of his eldest daughter and his wife clouded the last years of his life. Marx died March 14, 1883 and was buried at Highgate Cemetery in North London. His collaborator and close friend Friedrich Engels delivered the following eulogy three days later:
On the 14th of March, at a quarter to three in the afternoon, the greatest living thinker ceased to think. He had been left alone for scarcely two minutes, and when we came back we found him in his armchair, peacefully gone to sleep -- but for ever.

An immeasurable loss has been sustained both by the militant proletariat of Europe and America, and by historical science, in the death of this man. The gap that has been left by the departure of this mighty spirit will soon enough make itself felt.

Just as Darwin discovered the law of development or organic nature, so Marx discovered the law of development of human history: the simple fact, hitherto concealed by an overgrowth of ideology, that mankind must first of all eat, drink, have shelter and clothing, before it can pursue politics, science, art, religion, etc.; that therefore the production of the immediate material means, and consequently the degree of economic development attained by a given people or during a given epoch, form the foundation upon which the state institutions, the legal conceptions, art, and even the ideas on religion, of the people concerned have been evolved, and in the light of which they must, therefore, be explained, instead of vice versa, as had hitherto been the case.

But that is not all. Marx also discovered the special law of motion governing the present-day capitalist mode of production, and the bourgeois society that this mode of production has created. The discovery of surplus value suddenly threw light on the problem, in trying to solve which all previous investigations, of both bourgeois economists and socialist critics, had been groping in the dark.
Two such discoveries would be enough for one lifetime. Happy the man to whom it is granted to make even one such discovery. But in every single field which Marx investigated -- and he investigated very many fields, none of them superficially -- in every field, even in that of mathematics, he made independent discoveries.

Such was the man of science. But this was not even half the man. Science was for Marx a historically dynamic, revolutionary force. However great the joy with which he welcomed a new discovery in some theoretical science whose practical application perhaps it was as yet quite impossible to envisage, he experienced quite another kind of joy when the discovery involved immediate revolutionary changes in industry, and in historical development in general. For example, he followed closely the development of the discoveries made in the field of electricity and recently those of Marcel Deprez.

For Marx was before all else a revolutionist. His real mission in life was to contribute, in one way or another, to the overthrow of capitalist society and of the state institutions which it had brought into being, to contribute to the liberation of the modern proletariat, which he was the first to make conscious of its own position and its needs, conscious of the conditions of its emancipation. Fighting was his element. And he fought with a passion, a tenacity and a success such as few could rival. His work on the first
Rheinische Zeitung (1842), the Paris Vorwarts (1844), the Deutsche Brusseler Zeitung (1847), the Neue Rheinische Zeitung (1848-49), the New York Tribune (1852-61), and, in addition to these, a host of militant pamphlets, work in organisations in Paris, Brussels and London, and finally, crowning all, the formation of the great International Working Men's Association -- this was indeed an achievement of which its founder might well have been proud even if he had done nothing else.

And, consequently, Marx was the best hated and most calumniated man of his time. Governments, both absolutist and republican, deported him from their territories. Bourgeois, whether conservative or ultra-democratic, vied with one another in heaping slanders upon him. All this he brushed aside as though it were a cobweb, ignoring it, answering only when extreme necessity compelled him. And he died beloved, revered and mourned by millions of revolutionary fellow workers -- from the mines of Siberia to California, in all parts of Europe and America -- and I make bold to say that, though he may have had many opponents, he had hardly one personal enemy.

His name will endure through the ages, and so also will his work.
Marx's contribution to our understanding of society has been enormous. His thought is not the comprehensive system evolved by some of his followers under the name of dialectical materialism. The very dialectical nature of his approach meant that it was usually tentative and open-ended. There was also the tension between Marx the political activist and Marx the student of political economy. Many of his expectations about the future course of the revolutionary movement have, so far, failed to materialize. However, his stress on the economic factor in society and his analysis of the class structure in class conflict have had an enormous influence on history, sociology, and study of human culture.

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