An Organisation for the welfare of postal employees

Saturday, February 18, 2017

Allowance Committee may submit its report on 20th February 2017

Federation Leaders associated with National Council JCM are keep telling that Allowance Committee might submit its report on 20th February 2017. The CG Staff are already very much upset over the Government’s deliberate attempt to delay the payment of Allowances by constituting many committees. Because the payment of revised Allowances  is considered will impact the Governments Exchequers.Lot of Committees formed and Meetings held after the Notification issued for implementation of 7th CPC Recommendations. But there is no any fruitful outcome from these meetings. No sign of making decisions which satisfy the Central government employees.

Had the Allowance like HRA is paid in revised rates from the date of Notification ie 25th July 2016, it seems more beneficial than waiting for the subcommittee reports. Because if revised allowances are not given retrospective effect, it will be a huge loss for Central Government Servants.Reports suggests that the Allowance Committee may submit its report on 20th February 2017 and it will be notified with effect from 1st April 2017. Federation sources told that It is unacceptable and we will fight it out until the revised allowances implemented with effect from 1.1.2016

29th SCOVA – Minutes of the meeting

F.No. 42/16/2016-P&PW(G)
Government of India
Ministry of Personnel, P.G and Pensions
Department of Pension & Pensioners Welfare’
3rd Floor, Lok Nayak Bhawan
Khan Market, New Delhi-110003
Date:- 16th Feb, 2017

All the Pensioners Associations included in the SCOVA vide Resolution dated 25.08.2015
Subject:- 29th SCOVA meeting under the chairmanship of Hon’ble MOS(PP) – Minutes of the meeting

Please find enclosed herewith minutes of the 29th meeting of Standing Committee of Voluntary Agencies(SCOVA) held under the chairmanship of Hon’ble MOS(PP) on 12.01.2017 for your kind perusal and necessary action. The minutes of the meeting are also available on this Department’s website
(Sujasha Choudhury)
Minutes of the 29th Meeting of Standing Committee of Voluntary Agencies(SCOVA) held on 12.01.2017 under the Chairmanship of Hon’ble MOS(PP) at Vigyan Bhawan Annexe, New Delhi.
The 29th meeting of Standing Committee of Voluntary Agencies (SCOVA) was held under the chairmanship of Hon’ble MOS(PP) on 12.01.2017.
The list of the participants is at Annexure-1
At the outset, Secretary (P&PW) welcomed the representatives of Pensioners Associations and the participating officers from various Ministries/Departments.
  1. Secretary (P&PAL),- said that some issues of the last SCOVA meeting have been Two review meetings were held with Defence Pensioners Associations, SCOVA and Ministry of Defence on 27.09.2016 and 20.12.2016 to resolve issues relating to Defence pensioners pending in SCOVA for a long time.
  2. He said that this Department has implemented Government’s decision on the recommendations of the 7th CPC for revision of pre-2016 pensioners/family pensioners There is no change in the pension fixation formula for those retired/retiring on or after 01.01.2016. The minimum pension has been increased to Rs. 9000/- per month against the existing Rs. 3500/- per month. The ceiling of gratuity has been increased from existing Rs. 10 lakhs to 20 lakhs per month. The rates of ex-gratia lump sum compensation being paid to the families of employees who die in performance of duty has been increased from existing Rs. 10-15 lakh to Rs. 25-35 lakh, depending upon the circumstances in which the death occurs. He further stated that approximately 85% percent grievances have been disposed of by this Department.
  3. Thereafter, the Action Taken Report on the decisions of the 28th SCOVA meeting and Fresh Agenda Items of the 29th SCOVA meeting were taken up for discussion.
  4. Discussion on ATR of 28th SCOVA meeting:- Revision of PPOs of pre-2006 pensioners.
CPAO intimated that the issue of revision of the remaining 3200 PPOs for pre-2006 pensioners has been reviewed with banks. The main reason for pendency is non-availability of records. CPAO would prepare fresh list of live pending cases on the basis on e-scrolls which would be provided to the concerned Ministries/Departments to review the pendency. The Ministries/Departments have been asked to give certificates of non-availability of records. The banks have also been asked to do 
KYC when the pensioners visit them for life cert.Mcate. CPAO also informed that they have not received any grievances in respect of non-revision of these particular PPOs

Since CPAO has expressed reservation about the pending cases, it was decided that CPAO would examine these cases under Audit and treat the pendency as NIL, subject to outcome of Audit.
Ministry of Defence intimated that 2368 (2470) PPOs of Air Force pensioners have been revised. Some discrepancies have been noted which will be resolved within a week. CGDA was requested that the list of cases be shared with the Directorate of Air Veterans (DAV) and with the Air Force Association, New Delhi. DAV would tally the list with their records and revert back with the list of pending cases. On the issue of PPOs of Ordnance Factory, Ambarnath, CGDA committed that the pendency will be disposed of by first week of February, 2017.

It was decided that DoPPW will hold a tripartite meeting with Department of Ex-servicemen Welfare, Directorate of Air Veterans and Defence Pensioners Associations of SCOVA.
Department of Telecom reported that one of the reasons for pendency of 203 cases was that the Maharashtra Circle did not have relevant records. The Department was asked to dispose of the pendency within a week.

It was said that the actual revision of pension had been carried out for all cases, the review was only with reference to issue of revision authorities. The revision authorities would be pending only for those pensioners/family pensioners who are not traceable. Therefore, the matter was decided to be closed. The Ministries/Departments would continue their efforts to attend to specific grievances to trace old records and issue revision authorities at the earliest.
(Action :- CPAO, Ministry of Defence, Department of Telecom, Directorate of Air Veterans ,Disabled War Veterans (India), DoPPW)

(ii)               Health Insurance Scheme for pensioners including those residing in Non-CGHS area.
Ministry of Health informed that the final EFC Memo is under submission to the Secretary. The proposal covers Central Government civil employees and pensioners only and that too for indoor treatment. OPD and appliancyould not be covered under the proposed scheme.

Disabled War Veterans (India) raised the issue of covering prosthesis under this scheme and stated that this will facilitate rehabilitation. The Hon’ble MOS(PP) observed that the prosthesis of good quality are now available. It was decided that Secretary (P&PW) will have a meeting with the Department of Empowerment of Persons with Disabilities and Ministry of Health and Family Welfare to discuss the question of covering prosthesis for Civil Government employees/pensioners under CGHS/Medical Insurance.
(Action :- Ministry of Health and DoPPW)

(iii)                Special “Higher” Family Pension for widows of the war disabled invalided out of service.
Ministry of Defence has stated that the comments of Service Headquarters on the issue have been sought vide MOD ID Note dated 10.10.2016 which are still awaited.
The Disabled War_Veterans (India) Association, stated that the cases would cover Army personnel mostly and not Navy and Air Force personnel. Department of Ex-servicemen Welfare was requested to arrange a meeting of the concerned Joint Secretary with the Disabled War Veterans(India) to discuss and finalise the issue within a month.
It was decided that Secretary(P&PW) will write to Secretary(ESW) to finalise the issue expeditiously .
(Action:- Department of Ex-servicemen Welfare and DoPPW)
  • Extension of CGHS facilities of P&T pensioners.
  • (ix) Conversion of Postal Dispensary at Cantt. Road Cuttack to CGHS Wellness Centre
The Ministry of-Health and Family Welfare informed that the recommendation of 7th CPC in this regard is under consideration of the “Allowances Committee” set up after 7th CPC. Department of Expenditure was requested to check and confirm whether the issue is actually under the purview of the “Allowances Committee”. DoPPW will independently seek clarification from the Implementation Cell, Department of Expenditure
(Action:- Ministry of Health and Family Welfare, Department of Expenditure and DoPPW)
  • Anomaly in fixation of pension of DoT employees absorbed in BSNL retired 10.2000 and 31.07.2001.

Department of Telecom informed that, as desired by the Department of Expenditure, financial implications on—the formula suggested by DoPPW was being worked out in consultation with BSNL. Meanwhile, CAT Principal Bench has allowed a petition filed by the BSNL absorbee pensioners for fixing their pension only on the basis of IDA pay drawn after absorption in BSNL. Department of Telecom was requested to examine the judgement of CAT.Action:- Department of Telecom)

Merger of 78.2% IDA with basic pension benefit to absorbed BSNL pensioners.

Department of Telecom informed that consequent on approval of the Cabinet, the necessary instructions were issued to the concerned CCAs vide OM dated 18.07.2016. Therefore, the matter was closed.

Extension of benefit of upgraded Grade Pay to pre-2006 retirees of S-12 grade (issue of grant of grade pay of Rs. 4600/- instead of Rs. 4200/-)

Department of Expenditure has observed that the upgraded Grade Pay of Rs. 4600/-was given subsequently outside the recommendation of the 6th CPC. Since this up-gradation is post 6th CPC decision, it is not applicable to those who are holding the pre-revised scale of Rs. 6500-10,500/- and retired before 01.01.2006. Department of Telecom informed that the benefit of Grade pay of Rs. 4600/- to pre-2006 pensioners in pre-revised pay scale of Rs. 6500-10,500/- is sub-judice.
(Action:- Department of Telecom and Department of Expenditure)
  • Issues relating to CGHS Wellness Centre, Dehradun- Merger of Survey of India Dispensary in CGHS on the same lines as P&T.
Ministry of Health and Family Welfare informed that the 0/o Surveyor General of India has conveyed that Survey of India dispensaries were established as per the obligations under Factories Act. Therefore, their merger with CGHS on the same lines as in the case of P&T dispensaries is not possible.
Ministry of Health and Family Welfare was requested to examine as to how the provisions of the Act come in the way of merger of these dispensaries with CGHS, particularly when the doctors in these dispensaries are also provided by Ministry of Health under CGHS. Ministry of Health and Family Welfare has stated that they have taken a decision to post 2 more contractual doctors in the CGHS Wellness Centre, Dehradun. Ministry of Health and Family Welfare was requested to post doctors expeditiously.
(Action:- Ministry of Health and Family Welfare)
(x)            Stoppage of Recovery of wrongful/excess payments from Railways Pensioners.
Ministry of Railways informed that the matter regarding waiver of recovery and withdrawal of the petition filed in the Court was submitted for the approval of Railway Board and a decision was likely to be taken in 3-4 days. The item was closed.

Delay in commencement of family pension to spouse on death of pensioners .
CPAO intimated that the relevant instructions have been issued on 02.06.2016 . 12 Banks have reported timely commencement of family pension. However, CPAO will revert to the banks based on the reports of the e-scrolls. Also internal audit of the banks at CPPCs are conducted to check the delay. Secretary(P&PW) directed to circulate the copies of instruction issued by CPAO. CPAO will send a report on the delayed cases within a month and DoPPW will take up the issue with the Department of Financial Services.
(Action:- CPAO, DoPPW and Department of Financial Services)
  • Payment of (i) Restoration of commutation amount and (ii) Additional Pension on attaining the age of 80 years should be streamlined by the Banks.
CPAO intimated that the relevant instructions have been issued on 02.06.2016 . Secretary(P&PW) directed to circulated the copies of instruction issued by CPAO. CPAO will send a detailed report on the delayed cases within a month and DoPPW will take up the issue with the Department of Financial Services based on the report received from CPAO.
(Action:- CPAO, DoPPW and Department of Financial Services)
  1. Discussion on Fresh Atenda Items
    (29.1)           Item wise details of payment made to be shown in Pass Books of Pensioners.
CPAO intimated that instructions are in place to indicate the break-up of various payments to the pensioners at the time of payment of pension. All heads of CPPCs and Government Accounts Departments of the banks have been instructed to streamline their internal system to enforce the existing guidelines. A “Web responsive Pensioners Service” (WRPS) was launched by CPAO which enables the pensioners/family pensioners to see details of pension like monthly pension, DR, Medical Allowance, DA arrears, Commission/Other arrears, recoveries etc. Secretary (P&PW) directed to send copies of relevant CPAO instructions to the various Pensioners Associations and also to take up the matter with Department of Financial Services.
(Action:- CPAO, DoPPW and Department of Financial Services )
     (29.2)               Amendment/Revision in notification of Life Certificate.
It was clarified that Digital Life Certificate is an additional facility. CPAO stated that there are 3 options for submission of Life Certificate:-
  • By presenting himself/herself to the authorised bank officer to record the life certificate
  • By producing a Life Certificate in the prescribed Proforma signed by any of the person specified in para 15.2 of the Scheme for payment of pensions to Central Government Civil Pensioners by authorised Banks.
  • Though Aadhar based Biometric Authentication system.
Therefore the item was closed.
(29.3) Additional Pension for recipients of disability pension of age 80 years and above.
Department of Ex-servicemen Welfare(DESW) intimated that the issue is under examination. Secretary(P&PW) asked DESW to expedite the matter.
(Action:- Department of Ex-servicemen Welfare)
   (29.4)                   Upgradation of Polyclinic at Bajaj Nagar, Jaipur.
Ministry of Health and Family Weflare informed that the instructions have been issued to Addl. Director(CGHS), Jaipur to make necessary arrangements for repairing the instruments and machinery lying unused and for procurement of equipment for diagnostic facilities like X Ray, Dental X-Ray, Auto Analysers etc. Ministry of Health and Family Welfare stated that up-gradation of facilities will be completed by 31.03.2017.
(Action:- Ministry of Health and Family Welfare)
(29.5)            Setting up of CGHS Wellness Centre at Kochi.
The Ministry of Health and Family Welfare intimated that the proposal regarding opening of CGHS Wellness Centre at Kochi is under active consideration.
(Action:- Ministry of Health and Family Welfare)

Friday, February 17, 2017


Thursday, February 16, 2017

New Income Tax Rates And Deductions Applicable From April 1, 2017

With some tinkering in the income tax rates for 2017-18, Finance Minister Arun Jaitley reduced the tax rate for income between Rs. 2.5 lakh and Rs. 5 lakh to 5 per cent in the Union Budget, while adding a surcharge of 10 per cent on tax for income between Rs. 50 lakh and Rs. 1 crore.

Although the basic income tax exemption limit remains the same at Rs. 2.5 lakh, there are many exemptions available in the Income Tax Act, which can substantially reduce your tax liability.

One needs to plan from the beginning of the next financial year to take maximum benefit of the income tax deductions available.

Here are the new income tax slabs for taxpayers:

General category
Senior citizens
Super senior citizens
(Up to 60 years of age)
(60-80 years)
(Above 80 years)
Up to Rs. 2.5 lakh
Up to Rs. 3 lakh
Up to Rs. 5 lakh
Rs. 2,50,001-Rs. 5 lakh
Rs. 3,00,001-Rs. 5 lakh
Rs. 5,00,001-Rs. 10 lakh
Rs. 500,001-Rs. 10 lakh
Rs. 5,00,001-Rs. 10 lakh
Above Rs. 10 lakh
Above Rs. 10 lakh
Above Rs. 10 lakh
# Surcharge of 10% for income between Rs. 50 lakh and Rs. 1 crore
# Surcharge of 15% for income above Rs. 1 crore
# Rebate of up to Rs. 2,500 for taxable salary up to Rs. 3.5 lakh
# Education and higher education cess of 3%

Here are the some of the deductions available for FY2017- 18: 

House Rent Allowance under Section 10 (13A) of the Income Tax Act

House Rent Allowance, commonly known as HRA, makes up a major chunk of a salaried individual’s total pay. HRA is partly exempted from tax. If you are staying in your own house or not paying any rent, your HRA will be completely taxable. However, those who stay with their parents can also claim HRA benefits by paying rent to their parents.

The amount which is allowed for exemption under HRA is calculated as minimum of:

1) Rent paid annually minus 10 per cent of basic salary plus dearness allowance

2) Actual HRA received

3) 40 per cent of basic and dearness allowance (50 per cent in case of metro cities)

Deductions under Section 80C

Section 80C of the Income Tax Act provides various provisions under which an individual can get deduction benefits up to Rs. 1.5 lakh. Employees’ Provident Fund (EPF), Public Provident Fund (PPF), Sukanya Samriddhi Account, National Savings Certificate and tax-saving fixed deposits are some of the investment options that offer benefits under Section 80C. The premium paid for life insurance plans, National Pension Scheme (NPS) and tax-saving mutual funds (ELSS) also qualify for deduction under Section 80C.
Further, one can claim tuition fees paid for up to two children, principal repayment on home loan, stamp duty and registration cost on the house bought as deduction under Section 80C.

Deductions under Section 80CCD(1B)

Introduced in Budget 2015-16, Section 80CCD (1B) provides deduction up to Rs. 50,000 for investment in NPS Tier 1 account. This deduction is over and above the deduction available in Section 80C. An individual in 30 per cent tax bracket can save up to Rs. 15,450 of tax by investing Rs. 50,000 in NPS.

Deduction of interest on housing loan (Section 24B)

Buying a house is among several other things an individual wants to do during his or her lifetime. The income tax rules also incentivise the same. Under Section 24B of the Income Tax Act, interest paid up to Rs. 2 lakh on housing loan and up to Rs. 30,000 on home improvement loan is allowable as deduction from your taxable income.

The government has however cut down tax benefits borrowers enjoyed on properties let out on rent. As per current tax laws, for properties rented out, a borrower could deduct the entire interest paid on home loan after adjusting for the rental income. On the other hand, borrowers of self-occupied properties get Rs. 2 lakh deduction on interest repayment on home loan.

However, according to the proposed change in Budget 2017, on rented properties, the borrower can only claim deduction of up to Rs. 2 lakh per year after adjusting for the rental income. And the amount above Rs. 2 lakh can be carried forward for eight assessment years.

Since the interest component of home loan repaid in initial years is higher, experts say that the borrower may not be able to fully adjust the interest paid as deduction even in subsequent years.

Deduction under Section 80EE

Under Section 80EE, an additional deduction of Rs. 50,000 is available over and above the limit of Section 24B on interest paid on home loans if the person is buying a house for the first time (the person must not own any other residential property on the date of sanction of loan). However, to avail the benefit of this section the value of the property must be below Rs. 50 lakh and the loan amount should not exceed Rs. 35 lakh. Further, the property must be bought after April 1, 2016.

Deduction under Section 80D

Premium paid for medical/health insurance for self, spouse, children and parents qualify for deduction under this Section. On can claim deduction of Rs. 25,000, if he is below 60 years of age, and Rs. 30,000 if he is above 60 years of age, towards medical insurance premium paid for self, spouse and children. Further, additional deduction of Rs. 25,000 is available if one has bought medical insurance for his parents. This deduction can go up to Rs. 30,000 if parents are above the age of 60 years.

Deduction under Section 80DD

If a tax payer has dependent parents, spouse, children or siblings who are differently-abled, then he can claim deductions up to Rs. 75,000 for expenses on their maintenance and medical treatment under this section. This deduction can increase to Rs. 1.25 lakh in case of severe disability.

Deduction under Section 80DDB

Under this section, one can claim deduction of Rs. 40,000 for treatment of certain diseases for self and dependents. The deduction can go up to Rs. 60,000 if the tax payer is above 60 years of age and if he is above 80 years of age, then the deduction amount is up to Rs. 80,000.

Deduction under Section 80E

According to the provisions of Section 80E, a taxpayer can claim deduction for interest paid on education loan for him, spouse or children. There is no upper limit on the amount of deduction. However, the loan must have been taken from a financial institutional or approved charitable institution and for full-time higher education.
Source: NDTV

Wednesday, February 15, 2017

No “Conditions Apply” in India Post Payments Bank Says IPPB CEO

Our USP is door-to-door banking with help of postman: IndiaPost Payments Bank CEO

IndiaPost Payments Bank, which is set to launch operations soon, will follow a bottoms-up approach, targeting people who either have feature phones or no mobiles at all.

In his first interview after taking over as the CEO of IndiaPost Payments Bank, Ashok Pal Singh tells ET's Surabhi Agarwal that the idea of the bank will be to simplify and universalise payments. Excerpts:

You rolled out a few pilots; what is the timeline for the launch?
We started in Ranchi and Raipur, and our concept is to have a district office in each district. The idea is that the branch office in a district will map all the post offices, urban and rural, in that area.

The idea is to test this model out through the pilot. We are hoping that by September we will start operations in at least 650 districts of the country.
What is going to be your target audience?

The core of our audience is the 500 million who use feature phones and we are currently testing how familiar they are even with the basic banking products -are they comfortable with it or do these need to be simplified?

How do you plan to differentiate your offerings?

Something that many others are doing but we want to pilot here is paperless account opening. Something that others are not doing but might emerge as our USP is door-to-door banking with the help of the postman.

Plus, simplified payment solutions for the masses is what we will be targeting, both for these feature phone users and around 350 million who are below that -who are without any phone at all. The payments bank will depend on third party fee-based services because the way in which the regulator has put it, you can't make money on anything else.

How do you look at the intense competition in the space from players such as Paytm and Airtel Payment Bank?

We are looking at a bottoms-up approach because our so-called competitors will start skimming the market. Let them do it. We will attempt to broaden and deepen the market from below.

That may not be as great a commercial proposition as skimming the market, but we believe that once we broaden and deepen it, there is a larger objective which is also being served and ultimately everyone will benefit including the so-called competitors.

We are not positioning ourselves as competitors because we are funded out of public money, and typically government should not be competing with its corporates, because they are ours. it's still a win-win for India.

Some of your competitors are offering interest rates as high as 7.5%. How do you plan to match it?

I have nothing to say on how they are doing it. But in any case, they have private money at their disposal. All my funding is from the government which is public money. Which is Rs 400 crore equity, Rs 400 crore grants. I have no means to do that and these are going to be short-term in any case.

Someone who says that you get that fancy rate of interest immediately puts an asterisk saying conditions apply. We also want to put an asterisk which says no conditions apply. Because if we have to live off the brand of the post office, it has to be about integrity and trust.

Tuesday, February 14, 2017

Views of NC/JCM staff side to Committees on NPS

No.NC.JCM-2016/Pension (NPS)
February 10,2017

The Chairman,
Sub-Committee III on NPS
Dept of Pension & Pensioners Welfare
3rd Floor, Lok Nayak Bhawan, Khan Market,
New Delhi

Dear Sir,

Thank you very much for your letter No 57/2016-P&PW(B) dated 31st January 2017 and the decision to reschedule the meeting at our request.

We find from your letter cited that the Committee set up by the Government to streamline the NPS has delegated the task to different Sub-Committees and we are before the Sub-Committee No III. Since the identified task of each subcommittee is not made known, nor even as to how such many subcommittees are set up, we may not be able to make a comprehensive presentation on NPS. On 20th January 2017, we had made a written presentation of our views in the matter. We attach the said letter to this communication and reiterate the views conveyed therein.

1. The entire Central and State Govt Employees of the Country must be excluded from the purview of the NPS and consequently of PFRDA Act for the elaborate reasons mentioned in our Memorandum to 7 CPC. The National Pension Scheme which is based on defined mandatory contribution with the employee's organisations in the JCM forum and amounts as unilateral and arbitrary withdrawal of an existing benefit, which is clearly impermissible. We give hereunder our comments on each of the issues raised in the letter cited.

2.Without compromising on the above position,. We request that benefits defined under the CCS (Pension) Rules, 1972 as amended on a date must be the pension and other entitlements in the case of all Central And State Govt. employees. In other words, every employee who retires after completion of 20 years of service must be given-

Pension @50% of the last pay drawn or average emoluments of the last 10 months whichever is beneficial to the employee along with the appropriate Dearness Relief, subject to the minimum pension under the Rules as is amended from time to time.

On his death as Pensioner, family members shall be entitled to family Pension, subject to the specified minimum amount of family pension, stipulated by the Government from time to time along with appropriate Dearness Relief. Besides, all persons on retirement will be entitled to Gratuity as specified under extant Rules.

(A) The framing of rules on service matters of NPS employees including the following:

(i) Provision of an option for entitlements under old pension scheme on death, disability or invalidation during service

There cannot be a provision for the option. The stipulation of pensionary benefit afforded under the extant rules / CCS(Pension) Rules be extended to them. The provisional pension benefit orders issued by the Govt. is to be continued or made permanent.

(ii) Family for the purpose of payment of annuity

Family definition must be as is provided for the present CCS (Pension) Rules

(iii) Contribution during suspension, extraordinary leave (i.e.leave without pay), unauthorised absence

Contribution during suspension: 10% of the subsistence allowance and Govt.
Contributes 10% of the entitled full salary
Extra Ordinary leave-No contribution
Unauthorised absence-No contribution

(iv) Entitlements/deductions on dismissal / removal during service

Entitlement/deduction on dismissal/removal during service – Return of the Contributions made by the official and the Govt on his behalf. If the purchases an annuity by investing the funds so received, the said annuity must not be in any case less than 1/3rd of the last pay drawn by the dismissed/removed official.

(v) Withholding of NPS funds due to departmental/judicial proceedings pending at the time of retirement.

Neither the Pension fund be withheld nor the entitled defined benefit pension. In other words, the pension must be delinked from any disciplinary proceedings.

(vi) Departmental proceedings after retirement for the alleged misconduct during service.

It must not have any bearing on the Pension entitlements of an official who is subscriber to NPS

(vii) Withholding of annuity on account of future misconduct

Does not deserve any comment

(viii) Voluntary retirement of NPS employees

Voluntary retirement is presently afforded after 20 years of service. Therefore, the official will be entitled to full pension

(ix) Commercial employment of NPS employees after retirement.

Must not have any bearing on pension entitlement.

B. Provision of GPF for the NPS employees

May be provided as a voluntary option to all officials.

Thanking you,

Yours faithfully,

(Shiva Gopal Mishra)