Tuesday, December 27, 2011

90/10 Principle

Have you read this before? Discover the 90/10 Principle. It will change your life (at least the way you react to situations). What is this principle? 10% of life is made up of what happens to you. 90% of life is decided by how you react. What does this mean? We really have no control over 10% of what happens to us. We cannot stop the car from breaking down.

The plane will be late arriving, which throws our whole schedule off. A driver may cut us off in traffic. We have no control over this 10%. The other 90% is different. You determine the other 90%.

How? By your reaction. You cannot control a red light., but you can control your reaction. Don’t let people fool you; YOU can control how you react.

Let’s use an example. You are eating breakfast with your family. Your daughter knocks over a cup of coffee onto your business shirt. You haveno control over what just what happened. What happens when the next will be determined by how you react. You curse. You harshly scold your daughter for knocking the cup over. She breaks down in tears. After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table. A short verbal battle follows. You storm upstairs and change your shirt. Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school. She misses the bus.

Your spouse must leave immediately for work. You rush to the car and drive your daughter to school. Because you are late, you drive 40 miles an hour in a 30 mph speed limit. After a 15-minute delay and throwing $60 traffic fine away, you arrive at school. Your daughter runs into the building without saying goodbye. After arriving at the office 20 minutes late, you find you forgot your briefcase. Your day has started terrible. As it continues, it seems to get worse and worse. You look forward to coming home, When you arrive home, you find small wedge in your relationship with your spouse and daughter.

Why? Because of how you reacted in the morning. Why did you have a bad day?A) Did the coffee cause it?B) Did your daughter cause it?C) Did the policeman cause it?D) Did you cause it?
The answer is D. You had no control over what happened with the coffee. How you reacted in those 5 seconds is what caused your bad day. Here is what could have and should have happened. Coffee splashes over you. Your daughter is about to cry. You gently say, “It’s ok honey, you just need,to be more careful next time”. Grabbing a towel you rush upstairs. After grabbing a new shirt and your briefcase, you come back down in time to look through the window and see your child getting on the bus. She turns and waves.You arrive 5 minutes early and cheerfully greet the staff. Your boss comments on how good the day you are having.
Notice the difference? Two different scenarios. Both started the same. Both ended different. Why? Because of how you REACTED. You really do not have any control over 10% of what happens. The other 90% was determined by your reaction.

Here are some ways to apply the 90/10 principle.

If someone says something negative about you, don’t be a sponge. Let the attack roll off like water on glass. You don’t have to let the negative comment affect you! React properly and it will not ruin your day. A wrong reaction could result in losing a friend, being fired, getting stressed out etc.

How do you react if someone cuts you off in traffic? Do you lose your temper? Pound on the steering wheel? A friend of mine had the steering wheel fall off) Do you curse? Does your blood pressure skyrocket? Do you try and bump them? WHO CARES if you arrive ten seconds later at work? Why let the cars ruin your drive? Remember the 90/10 principle, nd do not worry about it.

You are told you lost your job. Why lose sleep and get irritated? It will work out. Use your worrying energy and time into finding another job.

The plane is late; it is going to mangle your schedule for the day. Why take out your frustration on the flight attendant? She has no control over what is going on. Use your time to study, get to know the other passenger. Why get stressed out? It will just make things worse. Now you know the 90-10 principle. Apply it and you will be amazed at the results. You will losenothing if you try it.

The 90-10 principle is incredible. Very few know and apply this principle. The result? Millions of people are suffering from undeserved stress, trials, problems and heartache. There never seem to be a success in life. Bad days follow bad days. Terrible things seem to be constantly happening. There is constant stress, lack of joy, and broken relationships. Worry consumes time. Anger breaks friendships and life seems dreary and is not enjoyed to the fullest. Friends are lost. Life is a bore and often seems cruel. Does this describe you? If so, do not be discouraged

You can be different! Understand and apply the 90/10 principle. It will change your life.


T-Shirts are one of the most comfortable garments, probably next only to wearing nothing. They seem to have an attitude of their own, especially when they have slogans on them. Here are a few T-Shirts with slogans that we found interesting.





















The New Pension Scheme (NPS) subscribers to the tier I account have the option to activate the tier II account to build bigger savings.

The tier II account is a voluntary savings facility, which allows withdrawal of funds, unlike the tier I pension account, where withdrawals are restricted.

There is no limit on the number of withdrawals from this account. The contributions to the tier II account are invested according to the subscriber’s choice.

The fund and fund manager choices are similar to that for the tier I account. The minimum initial contribution is Rs 1,000 and the subsequent amount is Rs 250 per transaction.

KYC process:

No separate KYC is required for opening a tier II account. The subscriber must have a bank account with cheque book facility.


To activate the account, use Form UOS-S10 if you have registered for the tier I account and have a Permanent Retirement Account Number card (PRAN); use Form UOS-S11, if you don’t have a PRAN card.


The form and documents have to be submitted at the PoP service provider through whom one is registered with the CRA for the tier I account. For government employees, the activation form can be submitted with their respective PAOs through DDO.


One has to pay a tier II account activation fee of Rs 23 and an initial contribution service charge of Rs 23. Given the minimum contribution of Rs 1,000, a sum of Rs 1,046 is paid during activation.

Points to note:

PRAN is common to both accounts.
The applications must be filled in bold letters and black ink, and should be signed by the subscriber.

The tier II subscriber has the option of using the bank account details provided at the time of applying for the tier I account, or provide a new one.

Source: The Economic Times


The Ministry of Personnel, PG & Pensions brought landmark legislations to check corruption and to put in place measures for ensuring time-bound services for citizens. Further measures were initiated to make bureaucracy accountable and effective. Major initiatives/achievements of the Ministry during the year are as under:

Lokpal Bill, 2011

The Government introduced in Lok Sabha the Lokpal and Lokayuktas Bill 2011, aimed at setting up the body of Lokpal at the Centre and Lokayuktas at the level of the States. The proposed autonomous and independent bodies, Lokpal and Lokayuktas, shall have powers of superintendence and direction for holding a preliminary inquiry, causing an investigation to be made and prosecution of offences in respect of complaints under any law for the prevention of corruption. The Bill provides a uniform vigilance and anti corruption road map for the nation, both at Centre and States. The Bill institutionalizes separation of investigation from prosecution and thereby removing conflict of interest as well as increasing the scope for professionalism and specialisation.

Grievances Redressal Bill, 2011

The Government recently introduced the Right of Citizens for Time Bound Delivery of Services and Redressal of their Grievances Bill, 2011 in Parliament. Under the Bill every public authority is required to publish a Citizens Charter specifying the category of goods supplied and services rendered by it, the time frame within which such goods shall be supplied or services be rendered; to establish information and facilitation centre for efficient and effective delivery of services and redressal of grievances and to designate Grievance Redress Officers (GRO) in all public authorities to enquire into and redress any complaints from citizens. The Bill provides for constitution of the State Public Grievance Redressal Commission and the Central Public Grievance Redressal Commission for respective appeals against the decision of GRO and imposition of penalties in case of failure on the part of designated official responsible for delivery of goods and services or GRO. The designed authority at the grass-root level will have powers to redress most of the grievances at the district and sub-district level.

Foreign Bribery Bill

The Prevention of Bribery of Foreign Public Officials and Officials of Public International Organizations Bill, 2011 was introduced in the Monsoon Session of the Parliament and is presently before the Department Related Parliament Standing Committee. According to the proposed law, any person "holding a legislative, executive, administrative or judicial office of a foreign country" found accepting or giving bribe to secure a contract in India would be liable to be punished for up to seven years in India. Even the "abetment" of such offences would be a criminal offence under the proposed bill. The Bill “makes provisions declaring the (bribery) as extraditable offence".

GoM on tackling corruption

A Group of Ministers (GoM)was constituted by the Government in January, 2011 to consider measures that can be taken by the Government to tackle corruption. The GoM has submitted its First Report which has already been accepted by the Government with some minor modifications. Action has been initiated by the Government towards implementation of these accepted recommendations.

IPRs of Group ‘A’ Central Service Officers placed in public domain

It was decided by the Government that the annual return of immovable property (IPR) as on January 1, 2011 of the All India Services officers as well as all organized Group ‘A’ Central Services should be placed in the public domain to bring transparency and accountability in administration.

Guidelines regarding grant of Vigilance Clearance of all the Members of Central Civil Services/Posts have been revised. Vigilance clearance shall be denied to an officer if he fails to submit his annual immovable property return of the previous year by 31st January of the following year, as required under the Rules.

Public Grievances
The Department of Administrative Reforms & Public Grievances (DARPG) has taken major Citizen Centric initiatives related to public grievance redress during the year.

The Sevottam compliant Citizen’s/Client’s Charter of DARPG was prepared and published. Also guidelines for implementing Sevottam, were published in September. These documents are also made available on the website of the Department (

For strengthening the Centralized Public Grievances Redress and Monitoring System (CPGRAMS) in all Central Government Ministries / and State Governments, several initiatives have been taken during the year:

· training was provided to officials of 62 Ministries / Departments / Organizations of Government of India on CPGRAMS version 4.0.
· Number of field offices linked to CPGRAMS was increased from about 1500 in 2010, to about 6000 during 2011.
· The CPGRAMS with a local language interface was installed and made functional in Government of Rajasthan in May 2011. Chief Minister of the State Government inaugurated the system.

Workshops on Capability Building for Sevottam held

Two workshops on capacity building for Sevottam for all the Central Government Ministries / Departments and two workshops for all States/UTs, were organised. Award winning Best Practices that showcased excellence in public service delivery were presented. These included, (i) PDS in Chhattisgarh, (ii) Activity Based Learning in Tamil Nadu, (iii) Primary Health Centres in Gujarat, (iv) ICDS in Karnataka, (v) Citizens Charter of Gram Panchayat with particular reference to Kerala, (vi) MCA 21 in Ministry of Corporate Affairs, (vi) Sevottam Journey in India Post, (vii) Accountability in Primary Education, (viii) Sevottam in CBDT and (ix) Sevottam in CBEC. In all, 450 officers from Government of India and State Governments / UT Administrations participated in the four workshops.

Modernization of Government Offices

During the year DARPG released Rs.6.50 crore to nine Ministries/Departments/Offices for implementation of the scheme fulfilling the target set in the Results Framework Document. Prominent amongst these include release of Rs.1.74 crore to the Office of CCA-CRPF; Rs.1.34 crore to the Department of Personnel & Training; Rs.1.35 crore to the Ministry of Defence; and Rs.90.83 lakhs to the Department of Economic Affairs. Regular review meetings are held with beneficiary organisations along with CPWD/work agency to ensure implementation as per timelines fixed.

Steps towards e-Governance

The 14th National Conference on e-governance was organised jointly by DARPG and of Maharashtra Government in Aurangabad. Based on the theme of the Conference, ‘Rural e-Service Delivery: Status & Challenges’, wide ranging and useful deliberations were held. National Awards for e-Governance were also presented during the inauguration of this Conference. National Awards on e-Governance was presented to 22 initiatives in the 7 categories during the inauguration of this Conference.

e-Office is one of the Mission Mode Projects (MMP), under the National e-Governance Plan (NeGP). The project is aimed at significantly improving the operational efficiency of Central Government Ministries and Departments through improvement in the workflow mechanisms and associated office procedure manuals. To begin with the project was implemented at 3 pilot sites i.e. DARPG, Training Division of DoPT and e-Governance Division of Department of Information Technology.

As a second phase of e-Office implementation, DARPG identified 12 Ministries/Department for e-Office implementation during 2011-12 and conducted necessary initial studies therein. A Nodal Officer has been nominated for every Ministries/Departments and a Project team is constituted under him for the purpose. With a view to sensitize and to provide a platform for meaningful interaction, doubt clearance and address of apprehensions, DARPG conducted two workshops for nodal officers and their team members.

The first edition of the Central Secretariat Manual of e-office Procedure (CSMeOP) has been finalized and is under print. The release of the e-Manual will be a significant event, as it has a transformative potential in making systems and procedures efficient and enhancing monitoring capacity substantially. The ICT perspective in the e-Manual gives the officials of the Central Secretariat an additional advantage of a new system facilitating faster retrieval of files and documents from a huge data-base.

CAPAM Leadership Development Programme

The Commonwealth Association for Public Administration and Management (CAPAM) Leadership Development Programme was organized by the Department at Indian Institute of Public Administration in 2011. The programme intended to enhance the leadership competencies of the participants in the competitive world of today and based on experiential learning methodologies, aiming at the development of self awareness, emotional intelligence and strategic intent in decisions. Senior government officials chosen by the Government of India from across the State Governments and the Central Ministries and Departments participated.
Conferences held

The second annual Chief Secretaries’ Conference was held in February, 2011. The conference institutionalizes the process of interaction, and serves as a standing forum for exchange of views between the Centre and the States.

The third Conference of Secretaries of Administrative Reforms of all States/UTs was organized in September, 2011, with the objective of creating a national platform to share experiences of the states in the field of reforms/initiatives undertaken by them to improve public service delivery, make the administration effective, transparent and accountable and to make the administration citizen friendly.

International cooperation

A Memorandum of Understanding (MoU) between India and Singapore on cooperation in the field of Personnel Management and Public Administration was signed in November, 2011. The areas of cooperation under the MoU are; (i) capacity building and skills upgrading; improved systems of public service delivery [Customer oriented services, Total quality management, Citizens Charter initiatives, Public grievance redress mechanism]; (iii) Human Resources Management; (iv) Public Sector Reform and (v) Leadership/Talent Development.

A Memorandum of Understanding (MoU) was signed between UPSC and Royal Civil Service Commission of Bhutan and the areas of cooperation would include sharing of experience and expertise in Civil Service matters. MoU was signed between the UPSC and the Public Service Commission of Canada regarding sharing and promoting best practices through bilateral exchanges.

Special Drive launched to fill up backlog reserved vacancies

The Government launched a drive to fill up the backlog vacancies of Scheduled Castes, Scheduled Tribes and OBCs and Persons with Disabilities (PWDs). The number of backlog vacancies is 57947. The bifurcation is : SC- 15323, ST – 20301, OBC – 15323 and PWD – 7000. All Ministries/Departments have been directed to fill up all the vacant posts in these categories by March 31, 2012.

Wednesday, November 30, 2011

Expected DA from Jan 2012

Perhaps it is very early to calculate the status of additional Dearness allowance from January, 2012 for Central Government employees and Pensioners, before releasing the AICPIN for the balance of three months i.e.October, November and December. We can assume that the AICPIN will certainly go up, because of the essential commodities prices are going high with non stop. Anyway we can assume the additional Dearness allowance from January 2012 will be minimum 7%. The existing Dearness allowance is 58%, it will become as 58% + 7% = 65%.

Wednesday, November 16, 2011

7th Pay Commission News

7th Pay Commission for Central Govt.Employees should be constituted at the earliest-INDWFToday the INDWF –Indian National Defence Workers Federation is Celebrating its Golden Jubilee Year in New Delhi. A rally to Talkatora stadium is organized by the Federation as a part of the Golden Jubilee celebration. In which around 10000 of its delegates across India are expected to participate. Sources Close to the INDWF revealed that the Supreme command of the Congress Party Smt. Sonia Gandhi is also expected to participate in the Meeting to be held at Talkatora Stadium in the evening. The Prime Minister Dr.Manmohan Singh, Defence Ministers and Shri.Ragul Gandhi.are also invited to attend the meeting.A list of around 30 Demands also been published by the Federation to put before the Government in its Meeting.The Federation Demands the Government, Particularly the Ministry of Defence that,The Defence Procurement Policy to be reviewed, so that privatization and out sourcing may be avoided.MACP should be granted to Central Govt.Employees on Promotional Hierarchy.VII Pay Commission for Central Govt.Employees should be constituted at the earliest so that it can be reviewed and implemented in time.Employment should be provided to the wards of employees those who are willing to go in VRS Scheme like in Railways.The Bonus ceiling to be removed and one full month salary may be granted as Bonus to all Central Govt.EmployeesOne Increment should be granted to Central Govt.Employees whose annual increment falls between 01-02-2006 to 30-6-2006Source : GServants

Thursday, November 3, 2011

Aadhar: What you need to know about it

Aadhar is again in news these days. I have compiled this post to help you know more about Aadhar.

So, what is Aadhar?

Aadhar is Multipurpose National Identity Card or Unique Identification card (UID Card). Though the project name mentions the word 'card', currently there's no plan to issue a card. They will be issuing only Aadhar number.

Will I get an Aadhar card?No! You will just get unique Aadhar number.

What's the use of Aadhar number? Why should I apply for Aadhar number?
One of the answers I found on the official Aadhar Faq Page says:

Adhaar means foundation , therefore it is the base on which any delivery system can be built. Aadhaar can be used in any system which needs to establish the identity of a resident and/or provide secure access for the resident to services/benefits offered by the system. Aadhaar can be used in the delivery of the following programs:

Food & Nutrition – Public Distribution System, Food Security, Mid Day Meals, Integrated Child Development Scheme.

Employment – Mahatma Gandhi National Rural Employment Guarantee Scheme, Swarnajayanti Gram Swarozgar Yojana, Indira Awaaz Yojana, Prime Minister’s Employment Guarantee Program

Education – Sarva Shikhsha Abhiyaan, Right to Education

Inclusion & Social Security – Janani Suraksha Yojana, Development of Primitive Tribe Groups,

Indira Gandhi National Old Age Pension Scheme

Healthcare – Rashtriya Swasthya Bima Yojana, Janashri Bima Yojana, Aam Aadmi Bima Yojana
Other miscellaneous purposes including Property Transactions, VoterID, PAN Card etc.

What documents are accepted as Proof Of Identity(PoI) for Aadhar?

PAN Card
Ration or PDS photo card
Voter ID
Driving Licence
Government Photo ID Card
NREGS Job Card
Photo ID issued by recognized Educational Institution
Arms Licence
Bank ATM card with photo
Photo credit card
Pensioner photo card
Freedom Fighter Photo Card
CGHS or ECHS Photo Card
Address Card having Name and photo issued by Department Of Post
Certificate of Identity issued by Group A Gazetted Officer

What documents are accepted as Proof Of Address(PoA) for Aadhar?

Bank Statement or Passbook
Post Office Account Statement or Passbook
Ration Card
Voter ID
Driving Licence
Government Photo ID Card
Electricity Bill not older than 3 months
Water Bill not older than 3 months
Telephone land line bill not older than 3 months

Can I apply for Aadhar online?

As of today(1st July 2011), you can not apply online for Aadhar.

How/where can I apply for Aadhar number?

They have not started issuing Aadhar number in all the cities. Call up Aadhar helpline number ask for your nearest location.

adhar helpline number?Call 18001801947

What's the information asked when applying for Aadhar number?

Name, Date of Birth, Gender, Address, Parent/Guardian details (required for children, adults may provide), Contact details phone and email (optional)
Biometric Information required: Photo, 10 finger prints, Iris
Where can I find more information about Aadhar?

unique Identification Authority of India on Wikipedia
UIDAI official website
call up Aadhar helpline: 18001801947

Sunday, October 23, 2011


Disclaimer: - Information provided in this post is compiled by Akula. Praveen Kumar, Medak HO-502110, Andhra Pradesh, for in good faith of Departmental Employees. Author of blog does not accepts any responsibility in relation to the accuracy, completeness, usefulness or otherwise, of the contents.

If any mistakes, Pl feel free to intimate the same to me (09849636361) to update the Post

1) For writing entries in Postman Book, Pl follow the prescribed procedure under P&T Manual / Volume VI, Rule -696

2) Pl doesn’t make Corrections / overwriting in the Postman Book prescribed form. Otherwise you will get less mark for correct entries. Take proper care while making entries.

3) All entries are compulsory. Entries may be made either in English or in Regional language of the state but only international numerals should be used. The entries must be made in the prescribed form only.

4) First of all write the transaction date as “Heading”, if the date of the transactions is prescribed in the question paper. Otherwise it is not compulsory to write transactions date as Heading.

5) The Postman Book is as follows.

6) The Postman should not enter any information under the column of (3) and (6). Hence the candidate should leave the column (3) and column (6) as blank.

7) Under the Column (1), the entries should be in the following manner.

a) e-MO or TMO or MO- Money order number, issue date, office of issue and amount must be noted.
b) For RL, only RL number should be noted. If it contains Acknowledgement, AD should be noted along with RL number.
c) In r/o VPP, VPL, RP, Insured Letter, first write the number of the article. Under the number of article, note the type of the article i.e. VPP, VPL, RP, IL. For Insured articles, it is compulsory to note the Insured amount.
d) For foreign Parcels, it is compulsory to write as “C.D” under the number and CD amount should be noted.

8) Under Column (2)

a) In r/o Money Orders, write name and full address of Payee
b) For other articles only name of the addressee of the article may be noted.

9) Under column (4)

In question paper, if it contains as “Intimation Given”
In such cases, write as “Intimation Served” or “Intimation Delivered”.

In case of TMOs paid, write the time of the TMO Paid (If the time of Payment is prescribed in question paper only)

10) Under column (5)

Write details of unpaid Money Orders, undelivered articles with their reasons for unpaid / undelivered.

11. No entries should be noted in r/o unpaid and ordinary articles.

12. In Postman book the entries should be in the following order.

a) e-M.O ( e-Money Order)
b) T.M.O (Telegraphic Money Order)
c) Ordinary M.O
d) Insured Articles
e) Speed Post Articles
f) Register Letters
g) Register Parcels
h) Foreign Register Parcels
i) Value Payable Letters
j) Value Payable Parcels

Tuesday, September 27, 2011

Telangana 'People's Strike' : Another Freedom Struggle for Self Rule

తెలంగాణా లో కాలచక్రము ముందుకు వేల్లనంతున్నది,
RTC బస్సు టైర్లు తిరగనంతున్నాయి,
రైలు చక్రాలు పట్టాల పై కదలనంతున్నాయి,
సింగరేణి బావి నుండి భోగ్గు బైటకు రానంతున్నాయి
బడి గంటలు మొగనంతున్నాయి
విద్యుత్ తీగలు మరలబడుతున్నాయి
విద్యార్దులు ఉద్యమం అంటున్నారు,
ఉద్యోగాస్తుల్లు ప్రభుత్వని దిక్కరిస్తున్నారు,
రైతులు కొడవళ్ళు పడుతున్నారు ,
కార్మికులు పిడికిళ్ళు ఎత్తుతున్నారు,
గృహినిల్లు నడుము భిగిస్త్తునారు.
అందరిది ఒకే ఆరాటం, ఒకే పోరాటం,
ఒకే నినాదం... జై తెలంగానం.
సకల తెలంగానం ఒకే మాట,
ప్రత్యెక రాష్ట్రం వచ్చేదాక సమ్మె బాట

Friday, September 23, 2011

Friday, September 16, 2011

Pix: Nizam of HYD surrenders before Sardar Patel

September 17 Telangana / Hyderabad Vimochana Divas

September 17 తెలంగాణా విమోచన దినం . హైదరాబాద్ రాష్ట్ర విమోచన కోసం పోరాడి అమరులైన వరంగల్ పరకాల వీరులకు, మతం కన్నా స్వేచ గొప్పది అని పోరు బట పట్టి రజాకర్ల చేతులో హతుడైన జర్నలిస్ట్ శోయబుల్లః ఖాన్ కు మరీయు నిజం నిరంకుశ పాలనా కు వ్యతీరేకంగా పోరాడుతూ ప్రాణాలను అసువులు బాసిన పోరు బిడ్డలకు జాతీయ విప్లవ జోహార్లు . అమరవీరులారా మీ త్యాగమును మేము మరవము మీ పోరు బాట లోనే తెలంగాణా విముక్తి కొరకు పునరంకీతం అవుతాం .

We salute and remember Sardar Vallab Bhai Patel and Indian Army for freeing Telangana from the attrocities of Razakars and Nizam. Kasim Razvi the MIM founder was the chief of Razakars and he was fully supported by Nizam. Nizam wanted to merge Telangana with Pakistan. We also salute Comrade Ravi Narayana Reddy from Nalgonda and Arya Samajists , Hindu Mahasabha activists who bravely fought mighty Nizam. Irony is that not a single Seemandhra leader came for our rescue when Razakars were killing Telugu speaking people. Razakars committed genocide against telugu speaking people with the patronage of Nizam. Seemandhra leaders came later to loot the wealth of Nizam and Hyd. Even looting us for last 50 years their hunger for money has not diminished . Beware SeemaAndhra plutocrats the Lions of Telangana has arisen, flee before you are hounded out . Now the time has come to give the clarion call of 'Quit Telangana' and kick out shameless greedy SeemaAndhra Plutocrats from Telangana . Jai Telangana.

Thursday, September 15, 2011

The stage is set for a major showdown between the state government and 2.4 lakh employees of Telangana with the latter calling for an indefinite general strike 'Sakala Janula Samme' beginning Tuesday even as TRS chief K Chandrasekhar Rao warned that the Telangana region would turn into a fireball if the government invoked the Essential Services Maintanance Act (Esma) against even a single employee from the region.Addressing a massive public meeting in Karimnagar on Monday, KCR said the employees' general strike would be a trendsetter in the history of the state as no bus would run, no train would move, no educational institution would open and no production would take place in the Singareni mines.

Monday, September 12, 2011


This modle paper prepared and compiled by Akula. Praveen Kumar, Accountant, Medak HO

Pl visit akulapraveen.blogspot for Paper-II within two or three days.

Disclaimer: All questions/Information provided in this post are Compiled by A. Praveen Kumar for in good faith of Departmental Employees . The types of questions, number of questions and standard of questions may be vary in actual examination. This is my predictions only. Author of blog does not accepts any responsibility in relation to the accuracy, completeness, usefulness or otherwise, of the contents.

This is a practice paper only.


Instructions to Candidates

1. Answer All the Questions in 60 Minutes
2. Each question Carries “2” Marks
3. Round off the Appropriate choice in OMR sheet

PART-A (General English)

1. Mark the part in which the grammatical mistake is

He asked / that why /he shall / be punished

a) A b) B C) C d) D

choose the correct word or Phrase for question 2 and 3

2.The tea is cold. Please______it
a. heat b. warm c. fire d. None

3. I wish I ...... a king
a. Was b. Am c. Should be d. Were

Supply suitable prepositions for question 4 and 5

4. The animal resembled ....... a cat
a. from b. Since c. on d. About

5. Your father will be angry ...... you when he hears of your conduct
a. on b. with c. in d. About

Mark the correct meaning for question 6 and 7

6. Student of Plant life
a. Botanist b. Zoologist c. Biologist d. Sociologist

7. Stamp Collector
a. Philanderer b. Bibliographer c. Philatelist d. None

8. Mark the correct Antonym of “Deficit”
a. Enough b. less c. Surplus d. More

9. Mark the correct synonym of “Incredible”
a. believable b. Conceivable c. Unbelievable d. None

Supply suitable articles for question 10 and 12

10. There is ...... hourly bus from Hyderabad to Medak
a. a b. an c. the d. none

11. .......elephant is a huge animal
a. a b. an c. the d. None

12. He is writing on........paper with a pen
a. a b. an c. the d. None

Supply suitable conjunctions for question 13 and 14

13. I shall do like it or not
a. but b. When c. Whether d. While

14. Take a lamp.......the night is dark
a. if b. for c. and d. So

15. Find out the mis- spelt word
a. Recurring b. Computer c. Philataly d. Insurance

16-20. Read the passage given below and answers the questions that follow

Wild peacocks live together in large flocks in the forests of Central Africa. They scratch about in the ground during the day for seeds to eat and at nightfall they fly up to the trees where they perch and sleep. Every peacock has several wives known as peahens the female birds build their nests on the ground and lay from four to six whitish sometimes spotted eggs. During the mating season the male utters a harsh raucous cry.

16. Peacocks live together in large
a. Nests b. Flocks c. trees d. Huts

17. They scratch about in the ground during the day for
a. Mating b. to lay eggs c. seeds d. Sleep

18. Which birds build their nests on the ground?
a. Male b. Female c. Child d. None

19. Female peacocks lay which colour eggs
A Reddish b. Brown c. Block d. Whitish

20. A suitable title for the passage could be
a. Peacocks in Africa b. Peacocks life style c. Wild Peacocks d. Peacocks story

PART-II (Arithmetic)

21. Which of the following are the prime Numbers?

a. 241 b. 337 c. 391 d. 571

22. Simplify: 7845- ? = 8461-3569

a. 2593 b.2773 c. 3509 d. None of these

23. Three numbers are in the ratio 1: 2: 3 and their HCF is 12. The numbers are
a . 12,24,26 b.10,20,30 c.5,10,15 d. 4,8,12

24. If 1.5 x = 0.04y, then y-x / y+x is

a. 730/77 b. 73/77 c.7.3/77 d. None

25. Six times of an unknown number is 13 less than 55. That unknown number would be-

a. 10 b. 7 c. 11 d. 5

26. A sum of Rs. 312 divided among 100 boys and girls in a such a way that each boy gets Rs. 3.60 and girl get 2.40. The number of Girls is

a. 35 b. 40 c. 80 d.65

27. The average of five numbers is 27. If one number is excluded, the average becomes 25. The excluded number is
a. 25 b. 35 c.45 d.55

28. Father's age is five times to that of the son. After 20 years, the father is of 40 years. Then what would be the age of the son?

a. 20 b. 22 c. 21 d. 24

29. If 120 is 20% of a number, then 120% of that number will be

a. 20 b. 120 c. 360 d. 320

30. An examine had to score 40% to pass in question paper-I, but he scored only 40 marks and failed by 20 marks. What had been the maximum marks for question paper-I ?

a. 100 b. 200 c. 150 d. 180

31. Srinivas spent 40% of his salary on Food, 20% on House Rent, 10% on entertainment and 10% on conveyance. If his savings at the end of the month are Rs. 1500, then his monthly salary is

a. Rs.6000 b. Rs.7500 c. Rs.8000 d. Rs.10000

32. The price of a shirt is increased by 15% and then reduced by 15%. The final price of the shirt

a. Doesn’t Change b. Increase by 2.25% c. Decrease by 2.25% d. None of these

33. A train of 350 metres long is running at a speed of 32 km/hr. A man from the opposite direction is coming at a speed of 3 km/hr. How long will the train take to cross this man?

a. 28 sec b. 24 sec c. 36 sec d. 32 sec

34. A vendor bought lemons at 6 for a rupee. How many for a rupee must he sell to gain 20%

a. 3 b. 4 c. 5 d. 6

35. x/5 = y/8 then (x+5) : (Y+8) is equal to

a. 3 :5 b. 13:8 c. 8:5 d. 5:8

36. Venkatesh and Anjaneyulu started a business investing of Rs. 22500 and Rs. 35000 respectively. Out of a total Profit of Rs. 13800, Anjaneyulu share is

a. 5400 b. 7200 c. 8400 d. 9600

37. 20 persons assemble 8 machines in a day. How many persons will be required to assemble 12 machines in a day?
a. 40 b. 20 c. 30 d. 42

38. Length and circumference o f a football ground are 120 metres and 400 metres, respectively. What will be its area?
a. 6500 sq metre b. 9600 sq metre c. 6800 sq metre d. 4800 sq metre

39. An athlete runs 200 meters in 24 Secs. His speed is

a. 20 Kms/h b.24 Kms/h c. 28.5 Kms/h d. 30 kms/h

40. At what rate percent per annum will a sum of money double in 8 years?

a. 10.5% b. 11.5% c. 12.5% d. 13.5%

41. A sum of money amounts to Rs.4624 in 2 years and to Rs 4913 in three years at compound interest. The sum is

a. 4096 b. 4260 c. 4335 d. 4360

42.. Which of the following numbers is divisible by 18 (remainder 0)?

a. 245678 b. 2456789 c. 2445678 d. 2455678

43. Turn odd man out 8, 27,64,100, 125, 216, 343
a. 27 b. 100 c. 125 d. 343

44. In what ratio must tea at Rs. 62 per kg be mixed with tea at Rs. 72 per kg so that the mixture must be worth Rs. 64.50 per kg.

a. 1:3 b. 3: 2 c. 3:1 d. 2:3

45. A can do a work in 10 days which B alone can do it in 12 days. In how many days will they finish the work, both working together?
a. 60/10 days b. 60/11 days c.60/12days d. 60/13 days

46-50: Study the table given below and answer the questions given below it

Number of Employees working in various Departments of a Company

Year Departments (Number of Employees)

Year- Production -Sales -Purchase- Accounts -Research

2005 - 150- 25 -50 -45 -75

2006- 225- 40 -45 -62- 70

2007 - 450- 65 -30- 90- 73
2008- 470-73 -32 -105- 70

2009- 500- 80- 35- 132- 74

2010 - 55 -75 -36 -130- 75

46. In which year, the total number of employees reached approximately twice the total number of employees the factory had in the year 2005
a.2006 b. 2007 c. 2008 d. 2009

47. In which department the number of employees approximately remained the same during the years 2005 and 2010
a. Production b. Sales c. Research d. Accounts

48. In which year the number of employees working in production department was less than 50 % the total employees
a. 2005 b. 2007 c. 2008 d. 2009

49. In which of the following years each department had more number of employees than it had in the immediately preceding year
a. 2007 b. 2008 c. 2009 d.2010

50. Which department had less than 10% of the total employees all through years 2005 to 2010?
a. Production b. Sales c. Research d. Accounts

Thursday, September 8, 2011


The revised Dates for IP & LGO exam is follows :

01. IP - 15 & 16.10.2011
02. LGO - 15.10.2011

Dte Memo No : A-34012 / 04 / 2011-DE Dt. 07.09.2011.

Wednesday, August 31, 2011







Tuesday, August 30, 2011


Eligibility of officials qualified in Departmental Postmaster Grade – I Examination to appear IPO Examination :

No. 4 – 29 / 2011 – SPB.II
Government of India
Ministry of Communication & I T
Department of Posts
Dak Bhawan, Sansad Marg
New Delhi, Dated 24th August, 2011
The Chief Postmaster General
Uttar Pradesh Circle
Lucknow – 226 001

Subject: Inspector of Posts Departmental Examination – Eligibility of officials qualified in Departmental Postmaster Grade – I Examination – Reg.

I am directed to refer to Circle Office letter No. Rectt / M – 20 / IPOs Exam.-2011 / 3, dated 11.08.2011 on the above subject and to say that candidates who qualified the Departmental Postmaster Grade – I Examination and the officials who are undergoing training for Postmaster Grade – I may be permitted to appear in the Limited Departmental Competitive Examination for promotion to the cadre of Inspector of Posts ( IPO ) to be held on 3-4 September, 2011 , if these officials are not yet appointed as Postmaster Grade – I.
Yours faithfully,
( D K Chanda )
Section Officer ( SPB.II )
Copy to all Heads of Postal Circles / Postmasters General


It was announced by Directorate vide letter no A-34012/02/2011-DE dated 30-08-2011 that the LGO Examination scheduled to be held on 03-09-2011 and Inspector Posts Examination scheduled to be held on 03 & 04-09-2011 have been postponed until further orders and the next dates of both the examinations will be intimated very soon.
Click here to view the said Directorate letter.

Saturday, August 13, 2011

Services Associated With Traditional Postal Communication

1. Certificate of Posting: A certificate of posting is given as an assurance that letters and other articles entrusted to servants or messengers for posting have actually been posted. India Post charges a nominal fee of Rs 3 for three articles or less, for this service.

2. Recall of Articles: During the course of transmission a sender could request the recall of postal article or ask to deliver it to another addressee, provided the following conditions are met. (a) It has not been delivered to the addressee. (b) It has not been confiscated or destroyed by the competent authorities of the country in which the article may be for the time being. (c) It has not been seized by virtue of any law of the country of destination.

3. Poste Restante: It is intended to cater to postal communication needs of travellers. All articles superscribed C/O POSTMASTER or in any other similar way are called poste restante articles. A poste restante article has to be collected by the addressee from the Post Office.

4. Post Box: Customers may get their mail at the post office through Post Boxes which are rented out by the post office. Only fully prepaid articles except parcels are delivered through post boxes. The customer has to pay prescribed rent and a deposit. The customer will be supplied with a Delivery Ticket which should be produced by the customer/his agent when demanded.
5. Post Bag: This system is available in all delivery post offices. In this system a bag with a lock and keys in duplicate are to be supplied by the customer. All fully prepaid unregistered articles addressed to the customer will be placed inside the bag and handed over to the customer during the business hours prescribed for window delivery.

6. Identification Cards: Post office issues Identity cards for the benefit of travellers, tourists and other customers. The card contains photograph of the holder, his signature and full description. The validity period is three years. 7. Business Reply Service: A person who wishes to get reply from his client can use this facility on payment of prescribed fees. Such cards, envelopes can be posted by the client without any postage.

8. Articles Prohibited from Transmission by Post
A) Anything injurious.
1. explosive, dangerous, filthy, noxious or deleterious substance.
2. any sharp instrument not protected.
3. any living creature which is either noxious or likely to injure postal articles or postal officer in course of transmission by post.
B) Tickets, proposals etc relating to unauthorized lotteries (does not include lottery organized or authorized by government.)
C) Anything indecent.

9. Articles which can be registered:
1. Letters.
2. Letter Cards.
3. Book and Pattern Packets.
4. Blind Literature Packets.

5. Parcels / newspapers prepaid with postage at newspaper rates of postage.

10. Articles for which Registration is compulsory
1. Are not delivered through post box or post bag.
2. Any insured article.
3. Any article containing valuables such as cheque, bills of exchange etc.
4. Any article bearing the word “registered”.
5. Any Value Payable article.

11. Infringement of Conditions
1. General Unpaid/ Insufficiently Paid Articles
A) Are not delivered through post box or post bag.
B) Are not included for dispatch during late fee hours.
C) Can be delivered at window of the post office if the addressee calls at the post office for taking delivery.
D) If there is any postage due on registered articles they are not entered in the special delivery list.
E) If addressee refuses to take delivery of the article, it is returned to the sender and the sender has to pay the taxed amount.
F) In respect of all unpaid/ insufficiently paid articles, double the postage/ double the deficiency of postage subject to minimum of Re1/- will be collected.

2. Post Cards A. Post card will be treated as letter and the difference will be collected in the following cases: 1) Any private communication appears on the address portion of the postcard. 2) If the post card is cut/altered/folded.
3) Nothing may be attached to post card except: a) Stamps in payment of postage or other postal fees or stamp duty. b) A label pasted to the card, bearing the name and address of the sender. c) Engravings, illustrations, drawings and photographs on very thin paper and completely adherent to the card. B) Double the deficiency of postage will be collected in the following cases. 1. Any stamps other than postage stamps are affixed. 2. A post card once delivered, is reposted for redirection in a letter box at a different post town.

3. Inland Letter Card Inland Letter Card will be treated as a letter and double the deficiency will be collected in the following cases:
1. If a private inland letter card weighs more than five grams.
2. If there are any enclosures.
3. The words “Inland Letter Card” is not printed on the outside at the top left hand corner on the address side of every folded letter of private manufacture.

4. Book Packet A. If the book packet is more than the size and weight prescribed it shall be returned to sender after cancelling the postage stamps if any. B. If any private communication is enclosed or the envelope is closed, the book packet will be treated as letter or parcel whichever is less and single deficiency will be collected.

5. Book Packet Containing Printed Books and Periodicals
A. If the book packet is more than the size and weight prescribed, it shall be returned to sender after cancelling the postage stamps if any. B. If the book packet contains any private communication or envelope it will be treated as letter or parcel whichever is less and single deficiency will be collected.

6. Pattern and Sample Packets 1. If the article is more than the size and weight prescribed, it shall be returned to sender after cancelling the postage stamps if any. 2. If found to contain anything not permitted in rules, it will be charged on delivery; with letter or parcel postage whichever may be less.

7. Registered Newspapers The article will be treated as a Book Packet or Book Packet containing periodicals.

8. Blind Literature Packets The article will be treated as a letter or parcel, whichever is less, and it will be charged.

9. Parcels a. Prepayment of postage is compulsory. b. If more than one communication is enclosed in a parcel, each of those communications will be treated as unpaid letter and double the amount of postage will be collected c. Unregistered parcels posted in letter boxes will be compulsorily registered. If the parcel is refused by the addressee, the article will be delivered to the sender and registration charge will be collected

An Individual can open this account
A. On his own name.
B. With other one or two individuals jointly.
C. Guardian On behalf of minor.
D. A minor who have completed the age of 10 years.

2. Amount of Deposit.
A. Account can be opened with minimum of Rs 1500/- or in multiple of Rs 1500/-
B. Maximum amount of Deposit in single account is Rs 4,50,000/- and Rs 9,00,000/- in joint account.
C. A declaration regarding non deposit of excess amount in MIS Accounts is necessary.

3. Maturity period of account.
A. Maturity period of account is 6 years.

4. Premature closer of Account.
A. Account can be closed after expiry of one year. Subject to following condition.
1. 2% of Deposit amount will be deducted from principal if an account closed after one year but before expiry of three years.
2. 1% of Deposit amount will be deducted from principal if an account closed after expiry of three years.
3. If account to be closed prematurely due to death of Depositor there will be no deduction from principal amount.

A. Rate of interest is 8%.
B. Interest is payable on the monthly basis.
C. First monthly interest is payable on the date of deposit in next month.
D. If the due date of interest is a Sunday or holiday interest is payable on previous day.
E. Monthly Interest can be credited to the Savings Bank account if applied.

1. Bonus is payable after expiry of 6 years from the date of deposit @10% of deposit for accounts opened before
11-02-06 and @5% of deposit for accounts opened on or after 08-12-2007. No bonus is payable for accounts opened during 12-02-06 to 07-12-2007.

7. Post maturity interest.

Post maturity is payable on maturity amount @ Post Office Savings Bank interest rate for maximum of 24 months.

1. An individual
A) Who attained the age of 60 years or above on the date of opening the account.
B) Who has attained the age of 55 years or more but less than 60 years and who has retired under a voluntary retirement scheme or a Special voluntary retirement scheme on the date of opening the account, Subject to before three months from the date of retirement?

a) Any depositor may open an account at any deposit office by making an application in form ‘A’ along with pay in slip in form ‘D’ duly filled in along with age proof.
b) Depositor may operate more than one account under this scheme subject to the amount of deposit shall not exceed the maximum limit of Rs 15,000,00/-

d) Provided that more than one account shall not be opened in the same deposit office during a calendar month. e) The depositor may open an account in individual capacity of jointly with spouse.

3. Deposit and withdrawal.
A. There shall be any one deposit in the account in multiple of one thousand rupees and not exceeding Rs 15,000,00/-
B. There will be no withdrawal before the expiry of a period of 5 years
C. Depositor can extend the account for further 3 years by making an application in from ‘B’

A. In cash if the deposit is less than one lakh.
B. By cheque or D.D. drawn in favor of Deposit office or in the favor of Depositor and endorsed in favor of Deposit Office.
C. The date of realization will be the date of Deposit.
D. The collection charges of outstation cheques should be paid by the Depositor.

A. The Depositor may at the time of opening the account nominate a person who at event of death of Depositor will be entitled for payment due.

B. If the nomination is not made at the time of opening the Depositor can make by application in form ‘C’
C. Cancellation, variation of Nomination can make by fill in the form ‘C’
D. Nomination facility shall be available in case of joint account also. In such case the joint holder will be the first person entitled to receive the amount payable in the event of death of Depositor.
E. In the case of joint account or where the sole nominee is the spouse the spouse may continue the account.
F. In the case of joint account or where the sole nominee is the spouse the spouse shall also eligible to make or vary the earlier nomination.

A. Rate of interest will be 9%
B. Interest will be payable from the date of deposit to 31st March,31st June, 30th September, 31st December and thereafter interest shall be payable on to 31st March,31st June, 30th September, 31st December.
C. Interest shall be payable on previous day if due date is payable on Holiday or Sunday.
D. If so authorized interest payable on due dates shall be credited to Depositor’s Savings Bank Account in the deposit office.
E. If the interest payable every quarters not claimed by Depositor, Such interest shall not earned additional interest.
F. In the case of an account continued after maturity the deposit in such account shall earn interest at the rate applicable to the new account opened or to be opened under t6e provisions of these rules on the rate of maturity.
G. Post maturity interest payable at the Savings Bank rate up to the end of the month proceeding the month of closer of the account.

1. Depositor may close the account after 5 years on production of passbook and written application in form ‘E’
2. In the case of non closer of the account after maturity by the Depositor or not applied for extension the account will be treated as matured.
3. In the case of death of Depositor the nominee or heir of the Depositor can close the account by application in form ‘F’

1. Account can be closed after expiry of one year from the date of opening the account subject to following conditions.
A. If the account closed after one year but before expiry of two years 1.5 % amount will be deducted from the amount of deposit.
B. If the account closed after expiry of two years but before expiry of five years the deduction of 1 % will be made.
2. If the depositor availing the facility of extension of account may be permitted to withdraw the deposit and close the account ant any time after expiry of one year of extension without deduction.
1. In the case of lost, mutilated or damage of passbook the duplicate passbook will be issued on payment of Rs 10/- for first issue of duplicate passbook,
2. At second time of issue of duplicate passbook the fee will be Rs 20/- for all subsequent instance.
3. For issue of duplicate passbook application on plain paper is necessary.

1. The passbook should be presented at Deposit office for updating at least once in a year where auto transfer of quarterly interest is applied.
2. The passbook must accompany with withdrawal of interest.

1. A Depositor may apply on Form ‘G’ enclosing the passbook there to, for transfer of his account from one office to another in case change of residence.
2. Provided that where the deposit is Rs One Lakh or above a transfer fee of Rs 5/- per One Lakh of deposit shall be payable for first transfer.
3. For second and subsequent transfer the fee will be Rs 10/- per one lakh.

1. N R I are not eligible to open an account in this scheme provided that if a depositor opened an account and the n he become a NRI he may continue the account up to 5 years
2. But he cannot extend the account.
3. HUF is not eligible to open the account under this scheme.

Formula for calculation of broken days period interest of SCSS account

Amount of Deposit x No of days x 9 (Rate of Interest)
No of days in year x 100

Interest for broken period should be paid after deduction of Discount in case of Premature closer



1n exercise of the powers conferred by Section 3 of the Public Provident Fund Ac1t, 1968(23 of 1968), the Central Government hereby makes the following scheme, namely:- 1. Short title and commencement: - 1) This scheme may be called the Public Provident fund Scheme, 1968. 2) It shall come into force on 1st July 1968. 2. Definitions:- In this Scheme, unless the context otherwise requires:- (a) 'Account' means a Public Provident Fund Account under this scheme. (b) 'Accounts Office' means an office or branch of the State Bank of India, any subsidiary bank of the State Bank of India (excluding a pay office, a sub pay-office or any other office managed by single office or clerk) and any other office authorised by the Central Government to receive subscriptions under the Scheme; (c) 'Accounts Officer' means the person who for the time being is Incharge of an Accounts Office. (d) 'Act' means the Public Provident Fund Act, 1968 (23 of 1968) (e) 'Form' means a form appended to this scheme; (ee) 'Guardian' in relation to a minor, means:- (i) Father or mother; and (ii) Where neither parent is alive, or where the only living parent is incapable of acting, a person entitled under the law for the time being in force to have care of the property of minor; (f)'Year' means the financial year (1st April to 31st March)
3. Limit of subscription: - (1)Any individual may, on his own behalf or on behalf of a minor of whom he is the guardian, subscribe to the Public Provident Fund (thereafter referred to as the Fund) any amount not less than Rs. 500/- and not more than Rs. 70,000/- in a year. Note:- The existing accounts opened by HUF and an association of persons or a body of individuals consisting in either case, only of husband and wife governed by the system of community of property in the State of Goa and the Union Territories of Dadra and Nagar Haveli and Daman and Diu before 13.5.2005 will continue till maturity and will not be extended further. No interest will be paid period after the date of maturity. The deposits/withdrawals in/from these accounts shall be allowed to be made in accordance with the said rules. Any such accounts opened on or after 13.5.2005 shall be treated as void ab-initio and immediate action should be taken to close such accounts and refund the deposits without any interest to the subscribers. Such accounts once closed cannot be opened again w.e.f. 13.5.2005. 3) Non-Resident Indians are not eligible to open an account under the Public Provident Provided that if a resident, who subsequently becomes Non Resident Indian during the currency of the maturity period prescribed under Public Provident Fund Scheme, may continue to subscribe to the Fund till its maturity on a Non Repatriation Basis.

4. Manner of making the subscription:- (1) Every individual desirous of subscribing to Fund under the Scheme for the first time either on his own behalf or on behalf of a minor of whom he is the guardian shall apply to the Accounts Office in Form A, or as near thereto as possible, together with the amount of initial subscription which shall be in integral multiples of Rs.5/-
(2) On receipt of an application under sub-paragraph (1), the Accounts Office shall open an account in the name of the subscriber and issue a passbook to him , where in all amount of deposit/withdrawals, loans and repayment thereof together with interest due shall be entered over the signature of the Accounts Officer with the date stamp. (3)The subscriber shall deposit his subscription with the Accounts Office with chalan in Form B, or as near there to as possible. The counterfoil of the challan shall be returned to the depositor by the Accounts Office, duly evidenced by receipt. In the case of deposits made by cheque or draft or pay order, the Accounts Office may issue a paper token to the depositor pending realization of the proceeds. (4) Every subscription shall be made in cash or crossed cheque or draft or pay order in favour of the Accounts Office at the place at which that office is situated. (5)Where a deposit is made by means of an outstation cheque or instrument collection charges at the prescribed rate shall be payable along with the deposit and the date of realization of the amount shall be the date of deposit. 5. Number of subscription:- The subscription, which shall be in multiples of Rs5/-may for any year, be paid in to the account in one lump sum or installments not exceeding twelve in a year.
6. Transfer of Account: - A subscriber may apply for transfer of his account from "Accounts Office” to another "Accounts Office".
7. Issue of duplicate passbook, etc: - (1) In the event of loss or destruction of a passbook issued by an Accounts Office, the Accounts Office may, on an application made to it in this behalf and on payment of rupee one by the subscriber, issue a duplicate thereof to him.
(2) Condition of default:- A subscriber who fails to subscribe in an year according to the limits specified in paragraph 3, may approach the Accounts Office for condonation of the default, onpayment, for each year of default, a fee of Rs. 50/- along with arrear subscription of Rs 500/-for each year.
8. Interest:- Interest at the rate notified by the Central Government in the official gazette from time to time, shall be allowed for a calendar month on the lowest balance at credit of an account between the close of the fifth day and the end of the month and shall be credited to the account at the end of each year. Provided that where the interest to be credited contains a part of a rupee, then, if such part is fifty paisa or more, it shall be increased to one complete rupee, and if such part is less than fifty paisa, it shall be ignored. Note:-The rates of interest payable on deposits and the balance in PPF Accounts fixed from time to time since the introduction of the Scheme are given in the Schedule at the end of the Chapter.
9. Withdrawals from the Fund: - (1) Any time after the expiry of five years from the end of the year, in which the initial subscription was made, a subscriber may, if he so desires, apply in Form C or as near there to as possible, together with his passbook to the Accounts Office withdrawing from the balance to his credit, an amount not exceeding fifty per cent of the amount that stood to his credit at the end of the fourth year immediately preceding the year of withdrawal or at the end of the preceding year, which ever is lower, less the amount of loan, if any, drawn by him under paragraph 10 and which remains to be repaid. More than one withdrawal shall be permissible during any one year. (2)On receipt of an application under sub paragraph (1) the Accounts Office may, after satisfying itself that the amount of withdrawal applied for is not in excess of the limit prescribed in sub Paragraph (I) and that the applicant ha s, till the date of application, been subscribing according to the limit specified in Paragraph 3, subject to the provisions of sub-paragraph (4), permit the withdrawal and enter the amount withdrawn in the pass book.
(3)Closure of account or continuation of account without deposits after maturity:- Not withstanding provisions of sub-paragraph (1), any time after the expiry of 15 years from the end of the year in which the initial subscription was made by him, a subscriber may, if so desires, apply in Form C or as near thereto as possible together with his pass book to the Account Office, on receipt of such an application from the subscriber, shall subject to the provisions of sub-paragraph (4) allow the withdrawal of the entire balance (together with interest up to the last day of the month preceding the month in which the application for withdrawal is made) after making adjustments, if any, in respect of any interest due from the subscriber on loans taken by him and close his account. Provided that a subscriber may, if so desires make withdrawal of the amount standing to his credit, from time to time, in installments not exceeding one in a year.
(3A)Continuation of account with deposits after maturity: - Subject to the provisions subparagraph (3h) a subscriber may, on the expiry of 15 years from the end of the year in which the initial subscription as made but before the expiry of one year thereafter, may exercise an option with, Accounts office in Form H, or as near thereto as possible, that he would continue to subscribe further block period of 5 years according to the limits of subscription specified in paragraph 3. (3B) In the even of a subscriber opting to subscribe for the aforesaid block period he shall be eligible to make partial withdrawals not exceeding one every year by applying to the Accounts Office in form C, or as near there to as possible, subject to the condition that the total of the withdrawals, during the 5year block period, shall not exceed 60 per cent of the balance at his credit at the commencement of the said period.
Note: -A subscriber may at his option (to be exercised before the expiry of the first year of every extended block period) avail of this facility for a further block of 5 years on expiry of 20 years or on expiry of 25 years and so on, from the end of the year in which the initial subscription was made. (4) Where the application is made by a person who has made subscription to the Fund on behalf of a minor of whom he is the guardian, he shall furnish a certificate in the following form, namely.. .. . .. .. "Certified that the amount sought to be withdrawn is required for the use of ……………………………………. who is alive and is still a minor". 1O. Loans: - (1) Notwithstanding the provisions of paragraph 9, any time after the expiry of one year from the end of the year in which the initial subscription was made but before expiry of five years from the end of the year in which the initial subscription was made, a subscriber may, if he so desires, apply in Form D or as near thereto as possible ,together with his passbook to the Accounts Office for obtaining a loan consisting of a sum of whole rupees not exceeding twenty five percent of amount that stood to his credit at the end of the second year immediately preceding the year in which the loan is applied for. (2) On receipt of an application under sub-paragraph (1), the Accounts Office may, after satisfying itself that the amount of loan applied for is not in excess of the limit prescribed in sub-paragraph (1) and that the application has, till date of application, been subscribing according to I the limit specified in paragraph 3, subject to the provisions of sub paragraph (3), sanction the loan and enter the amount in the passbook. (3) Where the application is made by a person who has made subscriptions to the Fund behalf of a minor of whom he is the guardian, he shall furnish a certificate in the following form, namely: - "Certified that the amount for which loan is applied for is required for the use of who is alive and is still a minor". Or
(4) A subscriber shall not be entitled to get a fresh loan so long as earlier loan has not been repaid in full together with interest there on.

11. Repayment of loan and interest:- (1) The principal amount of a loan under this Scheme shall be repaid by the subscriber before the expiry of thirty six months from the first day of the month following the month in which the loan is sanctioned. The repayment may be made either in one lump sum or in two or more monthly installments within the prescribed period of thirty-six months repayment will be credited to the subscriber's account. (2)After the principal of the loan is fully repaid, the subscriber shall pay interest there on in not more than two monthly installments at the rate of one per cent per annum of the principal of period commencing from the first day of the month following the month in which the loan is drawn up to the last day of the month in which the last installment of the loan is repaid. Provided that where the loan is not or is repaid only in part within the prescribed period of thirty six months, interest on the amount of loan out standing shall be charged at six percent per annum instead of at one percent per annum from the first day of the month following them on thin which the loan was obtained o the last day of the month in which the loan is finally repaid. . (3) The interest on the amount of loan outstanding under the provision to sub-paragraph (2) and any portion of interest payable, but not paid, on any loan, the principal amount of which has already been repaid within the prescribed period of thirty six months, may, on becoming due, be debited to the subscriber's account. (4) The interest recoverable shall accrue to the Central Government.

12. Nomination and repayment after death of subscriber: -
(1) A subscriber to the Fund may nominate in Form G or, as near thereto as possible, one or more persons to receive the amount standing to his credit in the event of his death before the amount has become payable or, having become payable, has not been paid. (2) No nomination shall be made in respect of an account opened on behalf of a minor. (3)A nomination made by a subscriber may be cancelled or varied by a fresh nomination in Form F or, as near thereto as possible, by giving notice in writing to the Accounts Office in which the account stands. (4)Every nomination and every cancellation or variation thereof shall be registered in the Account office and shall be effective from the date of such registration, the particulars of which shall be entered in the passbook. (5) If any nominee is a minor, the subscriber may appoint any person to receive the amount due under the account in the event of the death of the subscriber during the minority of the nominee. (6)Notwithstanding the provisions contained in paragraph 9- (i)If a subscriber to an account in respect of which a nomination is in force dies, the nominee or nominees may make an application in Form G or, as near thereto as possible, to the Accounts Office together with proof of death of the subscriber and on receipt of such application all amounts standing to the credit of the subscriber after making adjustment, if any, in respect of interest on loans taken by the subscriber shall be repaid by the Accounts Office itself to the nominee or nominees. Provided that if any nominee is dead, the surviving nominee or nominees shall, in addition to the proof of death of the subscriber, also furnish proof of the death of the deceased nominee. (ii)Where there is no nomination in force at the time of death of the subscriber, the amount standing to the credit of the deceased after making adjustment, if any, in respect of interest on loans taken by the subscriber, shall be repaid by the Accounts Office to the legal heirs of the deceased on receipt of application form G in this behalf
Provided that the balance up to Rs. l lakh may be paid to the legal heirs on production of (i)a letter of indemnity, (ii)an affidavit, (iii) a letter of disclaimer on affidavit, and (iv) a certificate of death of subscribers, on stamped paper, in the forms as in Annexure to Form G (7)A subscriber to the fund cannot nominate a trust as his nominee.
13. Power to relax: - Where the Central Government is satisfied that the operation of any of the provisions of this Scheme causes undue hardship to a subscriber, it may, by order for reasons to be recorded in writing, relax the requirements of that provision in a manner not inconsistent with the provisions of the Act. Rates of interest payable in PPF accounts as fixed from time to time.
Recurring Deposit Account

Minimum Amount of Deposit Rs 10/- Can be opened in multiple of Rs 5/-
Maturity period of RD account is 5 years. It can be continued for next 5 years.
Deposit should be made every month within colander month. Default fee should be payable at 20 paisa for each month of delay Rs 10/-
Maximum defaults allowed in an account are four. After four defaults the account will be treated as discontinue. It can be revived within two months from the fifth default, if not it cannot be continued.
Premature closer is permitted after completion of three years from the date of opening. Interest at Savings Bank Rate is payable on premature closer.
One withdrawal is permitted from the account subject to the amount of withdrawal shall not be more than half of the balance amount. It can be repaid in one lump sum or in installments with interest. Rate of interest for refund of withdrawal is :-






PROTECTED SAVINGS SCHEME Under Protected Savings Scheme, on death, of depositor before maturity of the account, the legal heir is entitled to get full maturity value, subject to the conditions:- (1). Age of the depositor at the time of opening should be between 18 and 53 years. (2). Benefit is limited to the maturity value of Rs. 50/- denomination. (3). Account should not have been discontinued as on the date of death. (4). At least two years should have been completed from the date of opening. (5). At least 24 deposits should have been made. (6). There should be no default outstanding and withdrawal in first 24 months.(7)claim should be submitted within the 1 year after death of the depositor.
FORMULA USED FOR PREPARING READY RECKNOWER IS IBB = DENOMINATION X NO OF MONTHS PAID X (NO OF MONTHS PAID – 1) /2 Example = Dn =100 /- No of months paid = 37 100 x (37 x 36) /2 = 66600/-
Time Deposit Account


There are 4 categories of TD accounts. (1TD, 2TD, 3TD AND 5TD)
TD Accounts can be opened in multiple of Rs 200/- There is no maximum limit for no of accounts and for amount.
Interest of TD is calculated at Quarterly compounded rate.
It is profitable than KISAN VIKAS PATRA
Post Maturity interest is payable at Post Office Savings Bank rate for maximum of 24 months.




Wonder of TD account is that an amount deposited in 3 TD gives more benefit than it invested in Kisan Vikas Patra. For example:-

If an amount of Rs 1, 00,000/- invested in Kisan Vikas Patra it will become Rs 120785/- after 3years.

If an amount of Rs 1, 00,000/- invested in 3 Year Time Deposit Scheme it will become Rs 7450/- x 3 + 1, 00,000/- = 122350/- after 3years.

If an amount of Rs 1, 00,000/- invested in 3 Year Time Deposit Scheme and interest payable on expiry of 1st and 2nd year reinvested in 2 year and 1 year Time Deposit scheme respectively it will become:-

1. Principal Rs. 1,00,000/-
2. 3rd interest Rs 7,450/-
3. 1st year interest
1) 7450-7400 = Rs. 50/- 2) 7400 + (493 x 2 = 986 (2 Td int.) Rs. 8386/- 4. 2nd year interest 1) 7450-7400= Rs 50/- 2) 7400 + 474(1td int.) = Rs 7874/- Rs 123810/-
PREMATURE WITHDRAWAL OF TD ACCOUNT Premature withdrawal of a Deposit may be allowed subject to the following conditions namely:- A) No deposit may be withdrawn before the expiry of six months from the date of deposit. B) Where a deposit in a 1-year, 2-year, or 5 year account is withdrawn prematurely after 6 months but before the expiry of year from the date of deposit, no interest shall be payable to the depositor. C) Where a deposit in a 2-year, 3-year, or 5-year account is withdrawn prematurely after the expiry of one year from the date of deposit, interest on such deposit shall be payable to the depositor for the completed years and months falling in the period commencing on the date of deposit and ending with the date of withdrawal and such interest shall be calculated at the rate which shall be two per cent less than the rate specified for deposit of 1-year, 2-year, or 3-years as the case may be, in the concerned Table under rule 7.
Explanation: - Where the complete years and months in the case of a deposit in a 5-year account exceeds 3 years, such interest shall be calculated at the rate which shall be Two per cent less than the rate specified for a deposit of 3 years in concerned table under rule 7. c) Any interest already paid on the deposit may be recovered from the amount of repayment of deposit and the interest payable under this Rule. D) No separate application is necessary. E) In no case of premature withdrawal of a deposit or premature closure of an account, the commission already paid to agent, if any, is to be recovered. F) No penal interest should be deducted from the interest rate when account is prematurely closed by claimant of deceased depositor. But interest rate should be applicable for the period for the period the amount was deposited with
PREMATURE ENCASHMENT OF 6 NSC (VIII)PREMATURE ENCASHMENT OF 6 NSC (VIII) IS ALLOWED IN FOLLOWING CASES ONLY 1) Death of holder or death one of the holder in the case of joint holders.
2) On forfeiture by a pledgee being gazzetted officer when the pledge is in conformity with the rule.
3) When ordered by court of law.