The following are the most important procedures in operating the SB
scheme in POs. It has been observed that most of the rules on the subject are
being violated by the HO/SOs. If this
situation is allowed to continue it will
give room for frauds, excess/short payments etc. Hence it is requested to cause necessary
instructions to all concerned suitably in this regard. In case of any
omissions/commissions objections will be
raised by SBCO accordingly and any serious case, It will be reported to
Postmaster, Divisional Head.
A.
Opening
of New Account:
1.
SB 103 pay in slip should be used for
SB/RD/TD/MIS. Only the prescribed forms should be used in respect of PPF and
SCSS scheme of accounts.
2.
New Account no, Depositor name should be
noted invariably in SB 103.
3.
Deposit amount should be written in Words
and Figures.
4.
Date stamp, Accepting official signature,
depositor signature are mandatory.
5.
There should not be any corrections/over
writings in the pay in slip, especially in money column.
6.
Similarly, corrections/over writings
should be avoided in pass book entries also.
7.
In case of Minor accounts, the DOB of the
Minor should invariably be obtained in the SB 3. Only the persons authorized in the rules
should be permitted to be the Guardian of the minor depositor.
8.
Only the current SB 3 form should be used
for opening of New accounts.
In case of SO, SB/TD/PPF account opening form should
be sent to HO. RD/MIS/SCSS account opening form with KYC documents(Photo, Photo
ID, Address proof) should be preserved at the
SO itself. The SPMs will be
personally held personally responsible for any lapse in this regard.
In case of HO, new account opening form with KYC
documents should be preserved at HO itself.
B.
Accepting
of deposit:
1.
Pay in slip should be used according to
the category of the account.
2.
Account no, Depositor name should be noted in
SB 103 without any corrections/over writings.
3. Deposit
amount should be written in Words and Figures without any
corrections/alterations. The BAT/DLT should be noted by the HO/SO, without
giving room for any suspicion.
4.
Date stamp, Accepting official’s
signature, remitter’s signature are mandatory.
If any omission found in any of above said points,
Passbook along with copy of ledger card will be called for verification.
5.
If
the deposit is made through cheque, the full particulars of the cheque should
be got noted in the pay in slip.
C.
Allowing
of withdrawal:
1.
SB 7 should be used for wdl. In
SA/RD/TD/MIAS/NSS category of accounts and other forms as specified in the
rules for other respective category of accounts (like PPF/SCSS) alone should be
used.
2.
Account no should invariably be got noted
in SB 7.
3.
Amount of withdrawal (words and figures)
should be got noted in application side without any corrections/over writings.
4.
Balance after withdrawal should be got
noted application side.
5.
Depositor Signature/LTI (Left thumb
Impression for Illiterate account) should be obtained application side as well
as acquaintance side.
6.
In case of LTI (Left thumb Impression for
Illiterate account), appropriate Certificate(s) by the withness(es) should be
obtained in the application side as well as in the receipt side with full
address of the witness(es).
7.
Application side should be verified by PA
as well as SPM/APM in all aspects. Initial of PA /SPM should be available in Application
side in token of having verified the signature of the depositor.
8.
Signature of depositor should be verified
both by the PA and SPM/APM in case of withdrawals exceeding Rs.5000/-.
9.
Payment order should be filled up with
amount of withdrawal, in words and figure, with date stamp, SPM/APM signature.
10. Acquaintance side should
be filled up with words and figure; the signature of the Depositor/messenger (or
Signature/LTI(Left thumb Impression
for Illiterate account) should be obtained.
11. In case of withdrawal
from an account opened by illiterate depositor, the required certificates by
the Witness(es) should be obtained along
with the Name and full postal address of
the witness in both sides of SB 7.
12. In case of messenger,
messenger signature should be obtained in application side as well as
acquaintance side.
13.In case of withdrawal
from Minor account, the guardian should furnished the required
certificate in the SB 7.
d. Closing of
Account:
1. SB 7-A closure form should be used or any other specified forms in
POSB manual for PPF/SCSS.
2. Account no should be noted in SB7A.
3. Amount of closure (words and figures) should be noted in application.
4. Depositor Signature/LTI (Left thumb Impression for Illiterate
account) should be obtained application side as well as acquaintance
side.
5. In case of LTI (Left thumb Impression for Illiterate account),
Witness Certificate, witness signature, witness Name and postal
address should obtained in application side as well as acquaintance
side.
6. Application side should be verified by PA as well as SPM/APM.
Initial of PA as well as SPM/APM should be available in Application
side.
7. Signature of depositor should be verified by both PA and SPM/APM
with SS verified remark and Initial of both PA and APM/SPM.
8. Payment order should be filled up with amount of allowing payment
(principle, interest, PMI, RDF, Loan, Loan interest, Total), total
amount of payment order in words and figure with date stamp, SPM/APM
signature, and designation seal.
9. Acquaintance should be filled up with words and figure, and
Depositor Signature/ LTI (Left thumb Impression for Illiterate
account) should be obtained.
10. In case of LTI (Left thumb Impression for Illiterate account),
Witness Certificate, witness signature, witness Name and postal
address should obtained acquaintance side.
11. In case of messenger, messenger signature should be obtained in
application side as well as acquaintance side.
12. for Minor account, minor account certificate is mandatory.
13. SB3 card with KYC document (Photo, Photo ID, Address proof) should
be attached with SB7-A.if original SB3 card are not available
,revised SB3 with KYC document should be attached.
If closure amount above Rs.50000, PAN card Xerox or form 60/61
is mandatory.
14. In case of RD/MIS/SCSS, single/double handed Sub office account
closure, Passbook also attached with SB7-A.
15. if closure amount is above Rs.20000, cheque no or SB credit
account should be noted in SB7A.
16.if account is closed via messenger,cash payment should not be made.crossed payment only. cheque no should be noted in SB7A.
1. SB 7-A closure form should be used or any other specified forms in
POSB manual for PPF/SCSS.
2. Account no should be noted in SB7A.
3. Amount of closure (words and figures) should be noted in application.
4. Depositor Signature/LTI (Left thumb Impression for Illiterate
account) should be obtained application side as well as acquaintance
side.
5. In case of LTI (Left thumb Impression for Illiterate account),
Witness Certificate, witness signature, witness Name and postal
address should obtained in application side as well as acquaintance
side.
6. Application side should be verified by PA as well as SPM/APM.
Initial of PA as well as SPM/APM should be available in Application
side.
7. Signature of depositor should be verified by both PA and SPM/APM
with SS verified remark and Initial of both PA and APM/SPM.
8. Payment order should be filled up with amount of allowing payment
(principle, interest, PMI, RDF, Loan, Loan interest, Total), total
amount of payment order in words and figure with date stamp, SPM/APM
signature, and designation seal.
9. Acquaintance should be filled up with words and figure, and
Depositor Signature/ LTI (Left thumb Impression for Illiterate
account) should be obtained.
10. In case of LTI (Left thumb Impression for Illiterate account),
Witness Certificate, witness signature, witness Name and postal
address should obtained acquaintance side.
11. In case of messenger, messenger signature should be obtained in
application side as well as acquaintance side.
12. for Minor account, minor account certificate is mandatory.
13. SB3 card with KYC document (Photo, Photo ID, Address proof) should
be attached with SB7-A.if original SB3 card are not available
,revised SB3 with KYC document should be attached.
If closure amount above Rs.50000, PAN card Xerox or form 60/61
is mandatory.
14. In case of RD/MIS/SCSS, single/double handed Sub office account
closure, Passbook also attached with SB7-A.
15. if closure amount is above Rs.20000, cheque no or SB credit
account should be noted in SB7A.
16.if account is closed via messenger,cash payment should not be made.crossed payment only. cheque no should be noted in SB7A.
LOT
Preparation :
1.
Sanchay Post LOT print must be taken .(Manual LOT should not be prepared in
Computerized Office)
2.SPM
Signature with Designation seal must be affixed at bottom of LOT.
3.Date
stamp impression is mandatory in LOT.
4.There
should not be any manual correction in computerized LOT.
5.There
should not be Manual Addition and deletion in Computerized LOT .
6.Salary
List , Pension List,SB auto credit list from MIS ,RD auto credit list from
SB,SB auto credit list from SCSS, must be attached with SB LOT.
7.SB auto credit list from MIS must be attached with MIS
LOT .
8.RD
auto credit list from SB must be attached with RD LOT.
9.SB auto credit list from SCSS must be attached with SCSS
LOT.
IF ANY
OMISSION FOUND ,OBJECTION WILL BE RASIED BY SB/SBCO BRANCH
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