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Thursday, March 31, 2011

DEFEAT THE NEW PENSION BILL

The UPA-II Government has presented the New Pension Bill in the Parliament. CPI (M) Lok Sabha Leader, Com. Basudev Acharya, MP demanded voting. Both UPA and NDA MPs Voted in favour of introduction of the bill in Parliament. Only left party MPs opposed. Thus it is once again made clear that when it comes to economic policies there is no difference between NDA and UPA.

Even before passing the bill in Parliament the New Pension Scheme called "Contributory Pension Scheme" has already been made applicable to those employees who joined Central Govt. Services on or after 01.01.2004, through an executive order by the NDA Government. 10% of the pay and DA is being recovered from every employee who joined service on or after 01.01.2004, in each month towards Contributory Pension Scheme. On passing the bill by Parliament Pension Fund Managers will be appointed. Multi –national Corporate houses are waiting for their chance to become Fund Managers so that the accumulated huge amount in the Pension Scheme is share market oriented the Pension Fund will flow to the share market. If share market booms, the Pension Fund Managers can accumulate huge profit. If share market crashes, the Pension Fund will collapsed and the entire savings of the employees will be lost. The recent world economic crises has witnessed many such Pension Fund collapses and lacs and lacs of workers are deprived of their Social Security at old age.

The New Pension Scheme is a product of the globalization policy pursued by both NDA and UPA Government. UPA-I Government could not pass the bill as the Supporting left parties had made it clear that they will withdraw support to the Government and vote against the bill. Government tried to make consensus by convening a meeting of all Chief Ministers. Out of 22 Chief Ministers only three Left Front Chief Ministers viz. West Bengal, Kerala and Tripura, opposed the New Pension Scheme. Now as UPA and NDA have joined together, the bill is likely to be passed in this Session of the Parliament. The New Pension Scheme can be made applicable to all including public and private sector employees.

There is a perception that the New Pension Scheme can be made applicable to the new entrants only. This is not correct. The Work Study Group appointed by Sixth Central Pay Commission has been asked to examine and submit report on the following terms of reference:

(i) to workout the existing and future pension liability of the Central Govt. Employees who are in service prior to 1.1.2004.

(ii) to work out the pension liability of those Central Government Employees appointed prior 1.1.2004 and whose age profile is between 30 years and 40 years.

(iii) to examine the feasibility of establishing a self –reliant Pension Fund with initial corpus fund provided by Government for the employees who are in service prior to 1.1.2004 and thus reduce the expenditure on pension.

The Sixth CPC has already made some observations regarding introduction of Contributory Pension Scheme to the employees who are in service prior to 1.1.2004.

Thus a serious threat looms large over the head of the entire Central and State Government Employees and section of the workers. Nationwide sustained campaign and united action by the entire working class is the need of the hour. The Confederation of Central Government Employees & Workers and the All India State Government Employees Federations has already given a call for nationwide campaign and protest demonstration. The question of organizing higher forum of trade union action including strike in under serious considerations.

NFPE calls upon the entirety of the Postal and RMS Employeesto organize effective campaign against the ill effects of the New Pension Bill and be ready for direct action if situation warrants.


M.Krishnan
Secretary General NFPE

India enters world cup final

alt


Sat Apr 2 2011


14:30 local

Final - India v Sri Lanka
@
Wankhede Stadium, Mumbai

Wednesday, March 30, 2011

HOLIDAY ON APRIL 13th

In view of the forthcoming Assembly elections, Central government offices in Tamil Nadu will remain closed on April 13, the day of the polls.

As per the DoPT OM No12/14/99 dated 10—10—2001 all the Central Government offices shall remain closed on April 13, a release from Central Government Employees Welfare Coordination Committee said.
The day following the day of the elections, April 14, has also been declared a holiday in view of Dr B R Ambedkar’s birth anniversary, the statement added.
Tamil Nadu along with Puducherry and Kerala goes to polls on April 13.

Source: The Hindu

Tuesday, March 29, 2011

HIKE IN SOME ALLOWANCES AFTER DA CROSSED 50%

The following allowances are to be increased with effect from 01.01.2011.


1. Children Education Assistance & Reimbursement of Tuition FeeRs.12,000 (Per Year - Per Child) - Rs.15,000 (Per Year - Per Child) DOPT 12011/03/2008-Estt.(Allowance) 2.9.2008

2. Advances for purchase of Bicycle Advacne, Warm clothing Advance, Festival Advance, Natural Calamity Advance Rs.3,000 - Rs.3,750 Fin.Min. No.12(1)E.II(A)/2008 7.10.2008

3. Special Compensatory Hill Area Allowance Rs.600 / Rs.480 - Rs.750 / Rs.600 Fin.Min.

4(2)/2008-E.II (B) 29.8.2008 4. Special CompensatoryScheduled / Tribal Area Allowance Rs.400 / Rs.240- Rs.500 / Rs.300 Fin.Min. 17(1)/2008-E.II (B) 29.8.2008

5. Project Allowance Rs.1,500 / Rs.1,000 - Rs.1,875 / Rs.1,250 Fin.Min. 29.8.2008

6. Special Compensatory (Remote Locality) Allowance Rs.2,600 / Rs.2,100/ Rs.1,500 / Rs.400 -- Rs.3,250 / Rs.2,625/ Rs.1,875 / Rs.500 Fin.Min. 3(1)/2008-E.II(B) 29.8.2008

7. Cycle Maintenance Allowance Rs.60 (Per month) - Rs.75 (Per month) Fin.Min. 19039/3/2008-E.IV 29.8.2008

8. Mileage for road journey all components of daily allowance on tour, rate of transportation of personal effects. Rs.500 / Rs.300 / Rs.200 / Rs.150 / Rs.100 - Rs.625 / Rs.375 / Rs.250 / Rs.190 / Rs.125 Fin.Min.19030/3/2008-E.V 23.9.2008

9. Rates of Conveyance Allowance under SR-25 Rs.370 / Rs.480 / Rs.640 / Rs.750 / Rs.850 - Rs.470 / Rs.600 / Rs.800 / Rs.940 / Rs.1,070 Fin.Min.19039/2/2008-E.IV 23.9.2008

10. Washing Allowance Rs.60 - Rs.75 Fin.Min.14/3/2008-JCA 11.9.2008

11. Split Duty Allowance Rs.200 - Rs.250 Fin.Min.9(11)/2008-E.II (B) 29.8.2008

12. Spl. Allowance for Child Care for Women with Disabilities and Education Allowance for disabled children Rs.1,000 per month- Rs.1,250 per month DOPT12011/04/2008-Estt.(Allowance) 11.9.2008

13. Cash Handling Allowance Rs.600 / Rs.500 / Rs.400 / Rs.300 / Rs.150 - Rs.750 / Rs.625 / Rs.500 / Rs.375 / Rs.190 DOPT4/6/2008-Estt.(Pay.II) 1.10.2008

14. Risk Allowance DOPT21012/1/2008-Estt.(Allowance) 12.3.2009

15. Postgraduate Allowance Rs.1,000 / Rs.600- Rs.1,250 / Rs.750 Min.of HohfwA.45012/4/2008-CHS.V 16.4.2009

16. Desk Allowance Rs.600 - Rs.750 DOPT 1/10/2009-PIC 17.4.2009

17. Bad Climate Allowance Rs.400 / Rs.240 - Rs.500 / Rs.300 Fin.Min.1/10/2008-E.II(B) 29.8.2008

Friday, March 25, 2011

BLACK DAY - BUT IT HAPPENED

CPI(M) forces division over bill (PFRDA)
A day after a heated discussion took place in Parliament on the WikiLeaks disclosures published in The Hindu, it was business as usual in the Lok Sabha on Thursday. Speaker Meira Kumar went through the process of ‘Papers to be laid on the Table' and then got down to the legislative business, including the introduction of the Pension Fund Regulatory and Development Authority Bill, 2011.
As soon as she called out Minister of State for Finance Namo Narain Meena, standing for Finance Minister Pranab Mukherjee, to introduce the Bill, CPI (M) leader Basudeb Acharia stood up, opposing the introduction of the Bill and demanding a division, taking the Treasury Benches by surprise.
Only a handful of Ministers were present, including Parliamentary Affairs Minister Pawan Kumar Bansal, along with his deputy V. Narayanasamy. Caught unawares, the treasury benches too wore a rather thin look, enough for the government to sense trouble. Both the Ministers went up to National Democratic Alliance working chairman L.K. Advani and Leader of the Opposition Sushma Swaraj, and talked to them. It became clear that the main Opposition BJP would come to the government's rescue.
Mr. Bansal cited Rule 72 on the government's legislative competence to introduce the Bill and sought to know the grounds on which Mr. Acharia was opposing it, but the CPI(M) leader refused to budge from his demand for division.
The Speaker ordered division when Mr. Acharia further pressed for it. “We are opposing the introduction of the bill. I am asking for division instead of a voice vote,” Mr. Acharia said.
Of the 159 members present in the 543-member House, 115 voted for introduction of the bill and 43 opposed it, while one abstained. Prime Minister Manmohan Singh, Leader of the House Pranab Mukherjee, UPA chairperson Sonia Gandhi, several Ministers and Congress members were not present.
Rashtriya Janata Dal leader Raghuvansh Prasad was heard saying that when the Speaker had already ordered division, it could not be rolled back.
The bill provides for the establishment of an authority to promote old-age income security by creating, developing and regulating pension funds and to protect the interests of subscribers to pension fund schemes.

- The Hindu, Dated – 25.03.2011

finance ministry order for DA hike

Ministry of Finance has issued the order for enhancing the Dearness Allowance from 45% to 51% with effect from 1st January 2011.
It is also mentioned in the order that the increase in DA will also apply to civilian employees paid from the Defence Services estimates and the expenditure will be chargeable to relevant head of the Defence Services Estimates. With regard to Armed Forces personnel and Railway employees separate orders will be issued by Ministry of Defence and Ministry of Railways, respectively.
It is also likely that separate orders will be issued in respect of Central Government Pensionsers and family pensioners as far as the hike in DA is concerned
Download the following DA order for more details

2 HOUR DEMONSTRATION AGANST PFRDA BILL

CONFEDERATION OF CENTRAL GOVT. EMPLOYEES & WORKERS


Conf/  7   /2011 Dated: 24th March, 2011 

PFRDA BILL INTRODUCED IN THE PARLIAMENT:

HOLD DEMONSTRATION BETWEEN 12 AND 2 PM ON
FRIDAY 25TH MARCH 2011
IN FRONT OF ALL OFFICES
TO REGISTER OUR STRONG PROTEST AGAINST
THE ATTROCIOUS ATTEMPT
OF THE UPA GOVERNMENT
TO REINTRODUCE THE LAPSED BILL

Dear Comrade,

            The UPA II Government has today introduced the PFRDA Bill once again in the Parliament.  The  bill  that was introduced earlier  by the then Finance Minister, Shri P. Chidambaram, could not muster sufficient support to get enacted as the Left parties Parties opposed it. Even though the enactment could not be made, the Government through executive fiat had converted the statutory defined benefit Pension scheme which is in existence for decades in the case of Government employees into a contributory pension scheme. 

            The All India State Government Employees Federation and the Confederation of Central Government employees had jointly taken the decision earlier to oppose the introduction of the Bill by organizing a two hour walk out programme. Accordingly we call upon all our Affiliates and State Units to immediately organize demonstration in front of all offices between 12 and 2 PM and mobilize the members for sustained serious programmes of action in the days to come.  Intensive campaign programmes must be undertaken to bring home the pernicious impact the bill will bring about on the existing pensionary benefits of the Government employees. Besides, The funds accumulated from the contributions made by the employees as stipulated in the New Contributory pension scheme would be diverted to stock market for investment. Since the Government is to contribute equal amount as is being made by the employees, the new contributory pension scheme would be an unbearable drag on the exchequer and the sole beneficiary would be the big corporate houses. We must therefore embark upon a sustained struggle against the new scheme including a day's strike action as and when the bill is taken up for enactment by the Parliament.
.
            With greetings,

                                        Yours fraternally,
                                           Sd/-
                                           K.K.N.Kutty;
                                     Secretary General

NFPE CALLS UPON THE ENTIRE RANK AND FILE TO ORGANIZE DEMONSTRATION IN THE FRONT OF ALL GOVERNMENT OFFICES BETWEEN 12 AND 2 PM TO REGISTER STRONG PROTEST AGAINST PFRDA BILL INTRODUCED BY UPA GOVERNMENT IN LOK SABHA AND MOBILIZE MEMBERS FOR SUSTAINED SERIOUS PROGRAMMES OF ACTION IN THE DAYS TO COME.

--
M.Krishnan
Secretary General NFPE

Wednesday, March 23, 2011

Government has finally decided to implement the Performance Related Incentive Scheme (PRIS) recommended by the Sixth Pay Commission for all C.G. Emp.

The United Progressive Alliance (UPA) government has finally decided to implement the Performance Related Incentive Scheme (PRIS) recommended by the Sixth Pay Commission for all Central government employees. An announcement is expected in the next couple of days, government sources told The Hindu. Those government employees who make the cut will start earning their incentives in 2012.
A Committee of Secretaries (COS) chaired by Cabinet Secretary K. M. Chandrasekhar approved the broad contours of the PRIS on March 8, and asked the Department of Expenditure and Performance Management Division, Cabinet Secretariat, to work out guidelines to implement the scheme. Members of the COS included Finance Secretary Sushma Nath, who was also member-secretary of the Commission.
Any department, to qualify for financial incentives, will have to get a performance rating of 70 per cent or more on its Results-Framework Document (RFD) and implement a bio-metric access control system in its offices. As suggested by the Commission, the incentives will be initially paid out of cost savings made by the department in that fiscal year and hence there will be no additional burden on the exchequer for implementing the PRIS, government sources said. Initially, for every rupee saved by the department, it will allow to distribute up to 15 paise depending on its performance.
The PRIS will cover all employees of the department. While incentives paid to the Secretaries will depend entirely on departmental performance reflected in the RFD, incentives paid to Joint Secretaries will depend on a weighted average of their division’s performance and departmental performance. Incentives for junior employees will depend primarily on their individual performance.
However, all employees will need to go through a rigorous performance appraisal system consistent with the RFD evaluation methodology.
Indeed, incentives will start rolling out only after a department has prepared two rounds of robust RFDs, so as to truly capture departmental performance. Given that 2010-11 was the first year for implementation of 12-month RFDs, performance incentives will be paid from 2012-13 to employees who make the cut.
The decision to implement the PRIS comes in the wake of the Prime Minister’s Performance Monitoring and Evaluation System (PMES) for government departments that was approved in September 2009.
Interestingly, of the departments that have gone through the exercise, there have been some notable exceptions including the Ministries of Home, Finance, Defence, External Affairs, and the Prime Minister’s Office (PMO).
Objections
This has led to objections from officials of other Ministries: the feeling is that these key ministries and departments influence the work of other departments, and unless they, too, are brought under the scanner, the RFD will be redundant and unproductive.
The view from the Cabinet Secretariat is that the Prime Minister did not keep any department out of the ambit of the evaluation process, but it was felt that it would be better to implement it in phases for practical, operational reasons.
The original idea was to cover all 84 ministries and departments – it started with 59 departments in the last quarter of 2009-10, and currently covers 62 departments.

- The Hindu

Dearness Allowance from existing 45% to 51%

The Union Cabinet has approved the increase in the Dearness Allowance from existing 45% to 51% with effect from 1st January 2011, in the meeting held on 22.03.2011.
The net increase in DA for Central Government Employees, Central Government Pensioners and Family pensioners is 6% with effect from 01.01.2011.
Nearly 50 lakh central government employees and 38 lakh pensioners can look forward to this increase in their dearness allowance with the Union Cabinet approved the proposal on Tuesday.
It is reported that if the move is approved, the dearness allowance, which is linked to the consumer price index, will rise from 45% currently to 51%, triggering a further change in the allowance structure.
For instance, payments like conveyance allowance and children education allowance will also increase by 25%. This increase in certain allowances as result of increase in DA above 50% has already been approved by Government while implementing Sixth pay Commission report.
Further, special compensatory allowance for those posted in remote areas such as the north-east and Jammu & Kashmir as central government employees in these areas are entitled to a Special Compensatory Allowance. Again this special allowance goes up by 25% once the DA exceeds 50% as per the implementation rules for sixth pay commission

Monday, March 21, 2011

Stepping up of Pay of Senior Direct Recruit .....

Stepping up of Pay of Senior Direct Recruit Assistants of CCS/ PAs of CSSS with that of UDCs/ Steno Grade D promoted as Assistants/ PAs after 01.01.2006


No: 7/ 7/ 2008-CS.I(A)
Government of India
Ministry of Personnal, PG & Pensions
Department of Personnal & Training
2nd Floor, Lok Nayak Bhavan, Khan Market
New Delhi – 110013
18th March, 2011

OFFICE MEMORANDUM

Subject: Stepping up of pay of Senior Direct Recruit Assistants of CCS/ PAs of CSSS with that of UDCs/ Steno Grade D promoted as Assistants/ PAs after 01.01.2006


The undersigned is directed to refer to this Department’s OM of even number dated 22nd December, 2010 regarding stepping up of pay of Senior Assistants of CCS/ PAs of CSSS promoted prior to 01.01.2006 and drawing less pay than Assistants of CCS/ PAs of CSSS promoted after 01.01.2006.
2. The matter regarding stepping up of pay of Senior Direct Recruit Assistants/ PAs with that of UDCs/ Steno Grade D promoted as Assistants/ PAs after 1.1.2006 was examined in this divisionin consultation with Establishment (Pay) and Department of Expenditure. The Stepping up of Senior Direct Recruit Assistants/ PAs of CSS/ CSSS respectively appointed prior to 01.01.2006 and drawing less pay that Assistants/ PAs of CCS/ CSSS promoted after 1.1.2006 is agreed to subject to the Senior DR Assistants/ PAs continuously drawing more pay than junior promoted Assistants/ PAs in the pre-revised pay scale.
3. All Ministries/ Departments may regulate stepping up of pay of Senior DR Assistants of CSS/ PAs of CSSS accordingly.
4. This issues with the approval of Department of Expenditure vide their UO No: 18/ 11/ 2010-Legal dated 28.02.2011.
Sd/-
(K Suresh Kumar)
Under Secretary to the Government of India

Saturday, March 19, 2011

new pension scheme account details through sms or Email


Terms and Conditions for SMS and E-Mail facility


A NPS subscriber has to specify his mobile number and e-mail ID in the subscriber registration form for getting the information through SMS or email.

Currently there is no fee for getting this facility.

Details are given below:

In these Terms and Conditions, the following terms shall have the following meanings:

Alert/Facility

Means the (services of providing the ) customized messages with respect to specific events/transactions relating to a subscriber’s Account sent as Short Messaging Service (“SMS”) over Mobile phone or email to the email account of the subscriber;

Subscriber

Means the person who holds a permanent Retirement Account Number (PRAN) opened by CRA and who is also IRA compliant;

CSP

Means the cellular service provider through whom the investor receives the mobile services.

CRA

Means NSDL who have been appointed as Central Recordkeeping Agency by PFRDA.

Availability of the Service


  1. CRA at its sole discretion may discontinue the facility at any time by providing a prior intimation through its website or any other medium of communication. CRA may at its discretion extend the facility to investors who register mobile numbers originating outside India.
  2. The Facility would be generated by CRA and will be sent to the subscriber on the mobile number or E-mail Address provided by the subscriber. Further, the time and the completeness of the Alerts content and delivery would be entirely based on the service availability of the service provider and its connectivity with other CSPs or the mail server availability of the respective websites. The Alerts are dependent on various factors including connectivity and therefore, CRA cannot assure final and timely delivery of the Alerts.
  3. The Subscriber will be responsible for the security and confidentiality of his/her Mobile Phone/email account to be used for this Facility.

Process


  1. This Facility provides information to investors over mobile phones and email ids for PRAN getting generated and the units getting allocated in Tier I and Tier II of the account, a day after the units get credited. These Alerts will be sent to those subscribers who have provided their mobile numbers and /or email ids to their nodal offices (like PAOs/DTOs/POPs etc.) while filling a PRAN application form.

  2. The Subscriber is duty bound to acquaint himself/herself with the detailed process for using the facility and interpreting the Alerts for which NSDL is not responsible for any error/omissions by the subscriber.

  3. The subscriber acknowledges that this facility will be implemented in a phased manner and CRA may at later stages or when feasible, add more features. CRA may, at its discretion, from time to time change the features of any Alert. The subscriber will be solely responsible for keeping himself/ herself updated of the available Alerts, which shall, on best-effort basis, be notified by CRA through its website or any other medium of communication.

Receiving NPS information through SMS and Emil


  1. The subscriber is solely responsible for intimating in writing to his/ her nodal office/POP any change in his /her mobile phone number and /or email id. CRA will send the alerts only to the numbers/email id recorded in it system.

  2. The subscriber acknowledges that to receive Alerts, his/her mobile phone must be in an ‘on’ mode(reachable) as well as well as the email id must be ‘active’. If his/her mobile is kept ‘off’ for a specific period from the time of delivery of an Alert by CRA or the email account is no more in active State , that particular information may not be received by the subscriber.

  3. The subscriber acknowledges that the facility is dependent on the infrastructure, connectivity and services provided by the CSPs /or the e-mail service provider within India. The subscriber accepts that timeliness, accuracy and readability of information sent by CRA will depend on factors affecting the CSPs and other service providers. CRA shall not be held liable for non-delivery or delayed delivery of Alerts, error, loss or distortion in transmission of information to the subscriber.
  4. CRA will endeavor to provide the facility on a best effort basis and the subscriber shall not hold CRA responsible/liable for non-availability of the facility or non performance by any CSPs or other service providers or any loss or damage caused to the subscriber as a result of use of the facility (including relaying on the information for his/her investment or business or any other purposes) for causes which are attributable to / and are beyond the control of CRA. CRA shall not be held liable in any manner to the subscriber in connection with the use of the facility.
  5. The subscriber accepts that each Alert may contain certain account information relating to the subscriber. The subscriber authorizes CRA to send any other account related information, though not specifically requested, if CRA deems that the same is relevant.

Withdrawal or Termination



  1. CRA may, in its discretion, withdraw temporarily or terminate the facility, either wholly or in part, at any time. CRA may suspend temporarily the facility at any time during which any maintenance work or repair is required to be carried out or incase of any emergency or for security reasons, which require the temporary suspension of the facility.
  2. Notwithstanding the terms laid down in clause above, either the investor or CRA may, for any reason whatsoever, terminate this facility at any time. In case the subscriber wishes to terminate this facility, he/she will have to intimate his/her PAO/DTO/POP accordingly.

Fees


At present, CRA is levying no charge for this facility on the subscriber/PAO/DTO/POP. The subscriber shall be liable for payment of airtime or other charges, which may be levied by the CSPs in connection with the receiving of the information. As per the terms and conditions between the CSPs and subscriber, and CRA is in no way concerned with the same.

Disclaimer


  1. This Facility is only additional information for the investors and is not in lieu of the Transaction statement required to be provided by the CRA to its clients on a yearly basis.
  2. CRA shall be not be concerned with any dispute that may arise between the investor and his/her CSP and makes no representation or gives no warranty with respect to the quality of the service provided by the CSP or guarantee for timely delivery or accuracy of the contents of each Alerts.
  3. The Subscriber shall verify the transactions and the balances in his/her account from his/her nodal office and not rely solely on Alerts for any purpose.
  4. CRA will not be liable for any delay or inability of CRA to send the Alert or for loss of any information in the Alerts in transmission.

Liability


CRA shall not be liable for any looses, claims and damages arising from negligence, fraud, collusion or violation of the terms here in on the part of the investor and/or a third party.

CABINET OKAYS PFRDA BILL; MAY GO TO PARLIAMENT SOON

            New Delhi, Mar 17 (PTI) The Union Cabinet today approved a long-pending bill, which is aimed at giving statutory power to the pension regulator PFRDA, paving way for introduction of the same in the current session of Parliament.
            The draft legislation is aimed at upgrading the status of the Pension Fund Regulatory and Development Authority (PFRDA), which has been functioning for the past eight years without Parliamentary approval.
            "It has been approved and is likely to be introduced in the current session," a minister said after the Cabinet meeting presided over by Prime Minister Manmohan Singh.
            In the absence of statutory status, PFRDA was performing the role of the interim regulator.
            Finance Minister Pranab Mukherjee had sought support of the Opposition, mainly the BJP, for passage of the key pending reform bills
Source: PTI

Thursday, March 17, 2011

MACP SUB COMMITTEE MEETING MINUTES

CONFEDERATION OF CENTRAL GOVERNMENT EMPLOYES AND WORKERS.


Dear Comrade,

            The subcommittee constituted by the National Anomaly Committee to go into the anomalies in respect of MACP issues met at New Delhi on 15th Inst.  Com. S.K.Vyas, President, Confederation attended the meeting as a member. The following is the outcome of discussion at the meeting.

            With greetings,

Yours fraternally,
Sd/-
K.K.N. Kutty
Secretary General

Details in nfpehq website

Tuesday, March 15, 2011

inspire minds

News paper Boy who Became President

Several months back, after finishing an interview with Dr APJ Kalam, and just before leaving his Rajaji Marg residence he made me repeat these three words in a schoolteacher’s tone: perseverance, hard work and patience.This, he said, was alone the path to progress. Later, much later, I realised, that those were the very words he’s lived by all through his life. They are both philosophical and practical, quite like the world he grew up in as a boy in the island town of Rameswaram, in south India.

His father, a humble boat owner, Jainulabdeen, was a devout Muslim and a close friend of the Rameswaram temple priest. Kalam was brought up in a multi-religious, tolerant society; one with a progressive outlook. His father often quoted from the Quran to make the young Kalam see the world without fear. He had seven siblings, and a doting mother who, at times, made chappatis for Kalam, while the others were given rice as Kalam’s day would start at four in the morning and end at 11 pm.
His father wasn’t educated, but he wanted Kalam to study. Kalam would get up at 4 am, bathe, and then go for his mathematics class, which was taught by a teacher who took only five students in the whole session; and bathing before class was a condition he had laid to all his students. After his morning class, Kalam along with his cousin Samsuddin went around town distributing the newspaper. As the town had no electricity, kerosene lamps were lit at his home between 7 pm and 9 pm. But because Kalam studied until 11, his mother would save some for him for later use.
Being a bright student, Kalam always had the support of his schoolteachers. Schwarzt High School’s Iyadurai Solomon often told Kalam that if he truly, intensely desired something, he would get it. “This made me fearless,” said Dr Kalam. And outside school, Ahmed Jallaluddin, who later became his brother-in-law, and Samsuddin, encouraged Kalam to appreciate nature’s wonders. So at once, while growing up, he was exposed to a religious and a practical way of looking at the world.
The flight of birds had fascinated him since he was a boy, but it was years later he realised that he wanted to fly aircrafts. After finishing school, he took up Physics at St Joseph’s College, Trichi, but towards the end he was dissatisfied. When he discovered aeronautical engineering, he regretted having lost three precious years. But he was glad to have discovered Leo Tolstoy, Thomas Hardy and F Scott Fitzgerald and other English poets in his college years.
At Madras Institute of Technology (MIT), Chennai, where Kalam studied aeronautics, he learnt an important lesson: the value of time. He was leading a project on system design, when one day the principal walked into the class to see his work. He appeared dissatisfied and told Kalam that he wanted the project finished in the next two days; else his scholarship aid would be withdrawn. That unsettled Kalam; years of his father’s hardships would come to naught. Kalam worked without food and sleep. On the last day, his professor came to check on his progress. He was impressed and said: “I was putting you under stress and asking you to meet a difficult deadline,” recounted Dr Kalam.
Although Kalam has led several projects in his professional life, he’s treated each like his last. Such was his passion. No wonder, he’s always led projects. His advisor, Major General R Swaminathan explained Kalam’s success as a leader. “He has this unique capability of being a boss as well as a worker. He can take on any role with ease.”
When Dr Kalam’s first major project SLV 3-failed the first time he was almost shattered. Also, around this time, Kalam’s childhood mentor, Jallaluddin, died. “A part of me too passed away…” said Dr Kalam. But he never thought of quitting after SLV-3. “I knew that for success, we have to work hard and persevere.” And so, SLV-3 was launched again, this time with success. He drew strength from philosophy, religion and literature to tide by his professional setbacks; also a life with few companions. In time, he also learnt to deal with professional jealousy and uncooperative team members.
Success followed Dr Kalam. Prithvi, Agni, Akash, Trishul and Nag missiles were huge successes. He was awarded the Padma Bhushan and Bharat Ratna, and then he became the President of India; one of the few presidents who have touched the hearts of so many poor children in the country. Because he also came from a poor background, he knew the power of education in changing one’s future.

SOURCE : INSPIRE MINDS.BLOG

Monday, March 14, 2011

MACP SUB COMMITTEE MEETING

Dear Comrade, The sub committee constituted by the National Anomaly Committee to
look into the issues concerning the MACP is scheduled to meet on 15th
March, 2011. Com. S.K. Vyas, President, Confederation will attend the
meeting as a member of the Committee.
With greetings,
Yours fraternally,
K.K.N. Kutty.
Secretary General

Friday, March 11, 2011

IPO EXAM- NEW SYLLABUS AND PATTERN


Directorate vide letter No. 7-14/2011-SPB-II dated 9-3-2011 has circulated revised Pattern and Syllabus for Limited Department Competitive Examination for the post of IPs for filling up 66.66% vacancies in the Department. The examination will be held without the aid of books. The date for holding of the Examination will be communicated separetly by the DE Division.Revised Pattern and Syllabus is as under:

Sr. Heading Existing Syllabus and Pattern Revised Syllabus and Pattern

1. No. of Papers 5 4

2. Syllabus Paper I – Postal Manual Vol. V, Postal Manual Vol. IV, Postal Manual Vol II, CCS (Conduct) Rules, Postal Manual Vol. III, MTT

Paper I –

(1) Acts / Rules/ Guidelines/ Instructions relating to Inland & Foreign Posts, Mail Operations, Money Remittances, Savings Bank Schemes and Certificates Rural and Postal Life Insurance.

(2) Organization of Department, Office Procedure and Material Management for optimum utilization of network, Establishment and Administrative Matters.

Paper II – Postal Manual Vol VIII, PO Guide Part I and II, Postal Manual Vol VI (Part I, II AND III) POSB Manual Vol. I & II Postal Manual Vol. VII Paper II – CCS (Conduct) Rules, CCS (CCA) Rules, Accounts, FRs & SRs and FHBs.

Paper III – FHB Vol. I & II, FRs and SRs, CCS (Pension) Rules, CCS (Leave) rules, CCS (Joining Time ) Rules Paper III (1) Constitution of India

(2) Short title, extent, commencement and definitions of CPC & CrPC.

(i) CrPC: Proclamation for person absconding attachment of property of person absconding , claims and objections to attachments, release, sale and restoration of attached property.

(ii) Indian Evidence Act: Short title, extent and commencement

Of the relevancy of the facts: Evidence may be given of facts in issue and relevant facts, relevancy of facts forming part of the same transaction, facts which are the occasion, cause or effect of facts in issue;motive, preparation and previous or subsequent conduct.

Facts which need not be proved:

Of oral evidence:

Of documentary evidence

(iii) Indian Penal Code: General Explanation:

Of Punishments

Of offences by or relating to public servants

Of contempts of the lawful authority of public servants

Of the criminal breach of contract of service

(3) RTI Act and Consumer Protection Act

Paper IV – Indian Post Office Act., Government savings Bank and Certificate Acts, IPC, Evidence Act, Cr. PC, CAT, Consumer Protection Act


English Language General Knowledge & Reasoning/ Intelligence
Paper V – Essay, General Knowledge, Computer Basics and Intelligence Test.

3. Marks Each paper carries 100 marks Each apper will carry 300 marks

4. Duration Duration for each paper is 3 hrs. Duration of each paper would be 3 hrs.

5. No. of Questions Subjective type Questions 150 Multiple Choice Question (MCQ) in each paper

6. Qualifying marks 40% marks in each paper subject to an overall average of 45% for general category and 33% marks in each apper subject to an overall average of 38% for SC/ST No change

7. Assessment of APAR / ACR Not included The Competent Authority will ensure and certify the following before recommending the application of the official for examination:

(i) No disciplinary action is pending or contemplated against the applicant

(ii) No punishment is current against the applicant

(iii) No adverse entry in the APAR/ACR in the last five years.

source:postalasst.blogspot.com

Thursday, March 10, 2011

Now neighbourhood post office on your PC

        Union Minister Kapil Sibal launched the e-commerce portal of India Post to provide postal services online
In yet another step towards modernising India's postal services, Union Communications and Information Technology Minister Kapil Sibal on Wednesday launched 'e-post office', the e-commerce portal of India Post that will provide various postal services online.
"Earlier, consumers used to go to service providers but now services providers are going to consumers…this is the future of the 21st century. The portal will enable customers to transact postal business any time and from anywhere through Internet and by using either debit card or credit card," Mr. Sibal said after launching the portal here.
"We have now taken post offices to every citizen of the country through Internet. This portal will be [the] e-commerce portal for the Department of Posts (DoP). Products of small-scale sector and handicrafts will also be sold through this portal," Mr. Sibal added.
Content in English
According to Minister of State for Communications and IT Sachin Pilot, though the content of the portal was in English now, soon the content would be made available in regional languages also so that more people can avail the benefits from this initiative. "This initiative will make every laptop and personal computer a post office," he added.
DoP Secretary Radhika Doraiswamy said initially, this portal would provide electronic money order, instant money order, sale of philatelic stamps, postal information, tracking of express and international shipments, PIN code search, and registration of feedback and complaints online.
"India Post would bring its other services online in the next phase of e-post office project. We have collaborated with agencies in the public and private sector to make the e-post office a reality. Concrete plans are in place to scale up the portal to a full-fledged e-marketplace, which would offer a wide range of postal and non-postal products," she added.

(By courtesy The Hindu on 10-03-2011 )

Sunday, March 6, 2011

Allowances which increase by 25% w.e.f 01-01-2011.

6% DA increase w.e.f 01-01-2011
Consumer price index Number for Dec 2010 (2001=100)has been published. The 12 monthly average of consumer price indices from Jan 2010 to Dec 2010 has increased by 51% over that of 01-01-2006.As central govt and railway employees are already getting 45% w.e.f 01-07-2010 there will be an increase of 6% w.e.f 01-01-2011.

Allowances which increase by 25% w.e.f 01-01-2011.
Dearness allowance for central govt.and railway employees increases beyond 50% w.e.f 01-01-2011. As per the recommendation of 6th pay commission certain allowances have to be increased by 25% automatically when DA crosses 50%. The 6th pay commission has rejected the DA merger. we have to fight for the same. We provide here the allowances which increase by 25% w.e.f 01-01-2011.
 
source: DREU.ORG

Friday, March 4, 2011

சிறைக்கூடமாகச் செயல்பட்ட அஞ்சலகம்!



           தற்போதைய நவீன காலகட்டத்தில் நகரப்பகுதிகளில் தபால்காரர்களைப் பார்ப்பது அரிதாகி வருகிறது. ஆனால், கிராமப் பகுதிகளைப் பொறுத்த மட்டில் இன்னமும் தபால்காரர்தான் முக்கிய தகவல் தெரிவிப்பாளராவார். ஆங்கிலேய ஆட்சிக் காலத்தில் தொடக்க காலத்தில் ராணுவத்தின் கட்டுப்பாட்டிலேயே தபால் சேவையும் இருந்தது. 1843}ம் ஆண்டுக்குப் பிறகுதான் தபால் சேவை இராணுவ நிர்வாகத்திலிருந்து மாறியது.
 
          நீலகிரி மாவட்டத்தின் முதல் தபால் சேவை உதகையில் கடந்த 1826}ம் ஆண்டில் தொடங்கப்பட்டது. அப்போது ஓர் எழுத்தர், இரண்டு டெலிவரி பியூன்கள் (இவர்கள்தான் தபால்காரர்கள்) ஆகியோரைக் கொண்டு செயல்படுத்தப்பட்டது. இந்த தபால் நிலையம் முதன் முதலில் எங்கு செயல்பட்டது என்பதற்கான ஆவணங்கள் கிடைக்கவில்லை. ஆனால், 1829}ம் ஆண்டிற்குப் பின்னர் உதகைக்கு ஒரு திட்டம் வகுக்கப்பட்டது. அதில் தபால் அலுவலகத்திற்கும் ஒரு கட்டடம் ஒதுக்கப்பட்டது. அக்கட்டடத்துக்கு அரசு மாளிகை எனப் பெயரிடப்பட்டது. பின்னர் இது பயணியர் மாளிகை என மாற்றப்பட்டது. உதகையில் உள்ள இக்கட்டடத்துக்கு இன்னொரு பெருமையும் உண்டு. சென்னை தபால் நிலையத்தை அடுத்து தபால் தலை வெளியிடப்பட்ட கட்டடம் இதுமட்டும்தான். சென்னை, உதகை, நாகப்பட்டினம் ஆகியவற்றின் தலைமை தபால் நிலையங்கள் மட்டும் தமிழகத்தில் பாரம்பர்யக் கட்டடங்களாக அறிவிக்கப்பட்டவை. பழமையானவை. உதகை தபால் நிலையம் குறித்து பல சுவாரஸ்யமான தகவல்களைக், கோவையிலுள்ள ஓய்வு பெற்ற தபால்துறை அலுவலரும் தேசிய விருது பெற்றவருமான ஹரிகரன் நம்மிடம் பகிர்ந்து கொண்ட தகவல்களாவன:



""நவம்பர் 1883}ம் ஆண்டில் உதகை தபால் நிலையம் ரைஸ் ஹவுஸ் என்ற இடத்தில் தொடங்கப்பட்டது. இது அரசினர் தாவரவியல் பூங்காவின் நுழைவு வாயில் பகுதியில் அமைக்கப்பட்டதாகும்.



தொடக்க காலத்தில் தபால் துறையை வருவாய்த்துறையினரே நடத்தி வந்தனர். 1837}ல் கர்னல் கிங் என்பவர் நீலகிரியின் கமாண்டன்டாகப் பனியாற்றியபோது உதகைக்கான துணை தபால் அலுவலராகவும் நியமிக்கப்பட்டார். அப்போது அவருக்கு சம்பளம் மாதத்திற்கு ரூ.100 ஆகும். 1840ல் அவர் கமாண்டன்ட் பதவியை ராஜினாமா செய்த பின்னர் அந்தப் பதவியே ஒழிக்கப்பட்டது. தொடர்ந்து கேப்டன் கன்னிங் உதகைக்கு தலைமை அலுவலராகவும், கூடுதல் நீதிபதியாகவும், துணை தபால் அலுவலராகவும் நியமிக்கப்பட்டார். 1843ம் ஆண்டு வரை இதே நிலையே தொடர்ந்தது. இதையடுத்து ராணுவக் கட்டுப்பாட்டிற்குப் பின்னர் ஹூட்ஜஸ் உதகையின் முதல் அஞ்சலகத் தலைவராக நியமிக்கப்பட்டார்.



இவருக்கும் மாத சம்பளமாக ரூ.100 நிர்ணயிக்கப்பட்டது. 1844}ம் ஆண்டு இறுதியில் உதகைக்குச் சிறைக் குற்றவாளிகளைக் கொண்டு சாலை அமைக்கப்பட்ட பின்னர் தபால் அலுவலகக் கட்டடம் சிறைச்சாலையாக மாற்றப்பட்டது. 1845ம் ஆண்டில் உதகையின் முதல் தலைமை தபால் அலுவலகம் தொடங்கப்பட்டது. அது இன்றளவும் அதே இடத்தில் தொடர்கிறது. இந்த தபால் அலுவலகத்திற்குó அருகிலேயே பொது நூலகமும் அமைக்கப்பட்டது.



1866}ல் அந்த கட்டடம் தபால்துறையின் முழுக் கட்டுப்பாட்டின்கீழ் கொண்டு வரப்பட்டது. 1878}ம் ஆண்டு வரை அங்கேயே செயல்பட்டது. பின்னர் தபால் மற்றும் தந்தி சேவைகளும் தொடங்கப்பட்டன. பின்னர் 1883ல் வாட்டர்லூ ஹவுசிற்கு இந்த தபால் அலுவலகம் மாற்றப்பட்டது. அது பாம்பேகேசில் பகுதியில் அமைந்திருந்ததாகும்.



இந்த அலுவலகத்தில் ராணுவ கோப்புகளைப் பாதுகாக்கும் அலுவலகமும் செயல்பட்டது.



உலகின் முதல் தபால் தலை 1.5.1840ல் லண்டனில் வெளியிடப்பட்டது. அதன் பின்னரே தபால் தலை ஒட்டி அனுப்பும் முறை 6.5.1840ல் நடைமுறைக்கு வந்தது. அதற்கு முன்னர் தூரத்திற்கு ஏற்ற வகையில் கட்டணத்தை செலுத்தி அனுப்பும் முறையே நடைமுறையில் இருந்தது. அப்போது சென்னையிலிருந்து உதகைக்கும், உதகையிலிருந்து சென்னைக்கும் தபால் அனுப்புவதற்கு எட்டணா கட்டணமாகும். இதற்கு 5 நாட்கள் அவகாசமாகவும் நிர்ணயிக்கப்பட்டிருந்தது.



தொடர்ந்து தந்தி முறையில் முதன் முதலில் பெங்களூரிலிருந்து உதகைக்கு தந்தி அனுப்பப்பட்டது. அப்போதைய கவர்னர் ஜெனரலின் வசதிக்காகவே இந்த தந்தி சேவை தொடங்கப்பட்டது. பெங்களூரிலிருந்து உதகைக்குத் தந்தி லைன் அமைப்பதற்கு அப்போதைய செலவு ரூ.25,500 ஆகும்.



டல்ஹவுசி பிரபு கோத்தகிரியில் இருந்தபோது அவருக்கு முதல் தந்தி மூலமான செய்தி 1.4.1855ல் அனுப்பப்பட்டது. அதே மாதத்தில் 25ம் தேதியன்று தந்தி சேவை பொதுமக்களுக்கும் விஸ்தரிக்கப்பட்டது. பின்னர் தந்தி சேவைக்கும், தொலைத்



தொடர்புக்கும் இன்ஸ்பெக்டர் ஜெனரல் என்ற பதவி ஏற்படுத்தப்பட்டது. 31.5.1883ல் இச்சேவை தொடங்கப்பட்டது.



1855ல் இச்சேவை விரிவாக்கப்ட்டபோது, இதில் பணியாற்றிய 16 பேருக்கு மாதாந்திர சம்பளம் 274.75 பைசாவாகும். உதகைக்கு ரயில் சேவை தொடங்கப்படுவதற்கு முன்னர் மைசூரிலிருந்து சீகூர் சந்திப்பு வழியில் உதகை வரை ரன்னர்கள் மூலம் தபால் சேவை செயல்படுத்தப்பட்டது. ரயில் சேவை தொடங்கப்பட்ட பின்னர் மேட்டுப்பாளையத்திலிருந்து ரன்னர்கள் மூலம் தபால் சேவை நடைபெற்றது.



பல்வேறு முக்கிய நிகழ்வுகளை உள்ளடக்கிய உதகை தபால் நிலையத்தைப் பெருமைப்படுத்தும் வகையில் அண்மையில் சிறப்பு அஞ்சல் தலை வெளியிடப்பட்டது. இதன்மூலமே உதகை தபால் நிலையத்தின் பெருமைகளை நாம் அறிந்து கொள்ளலாம்'' என்றார்.

Thursday, March 3, 2011

BUDGET 2011- INCOME TAX AT A GLANCE


 STANDARD  DEDUCTIION க்கு மேல் உள்ள ஒரு லட்சத்தையும் தாண்டி
INFRA  STRUCTURE  BOND  இல் 20000 /- வரை  முதலீடு செய்தால் 8 % வட்டியும் வரும். மேலும் 2000 /- வரி விலக்கும் கிடைக்கும் .

இதே போல மெடிக்கல் இன்சூரன்ஸ்  PREMIUM  15000 /- வரை சேமித்தால்
இன்சூரன்ஸ் பெனிபிட்    உண்டு . 1500 /-  வரி விலக்கும் உண்டு.

மருத்துவ செலவுக்கான தொகை உரிய மருத்துவமனை பில்லுடன்
40000 /- வரை கணக்கு கொடுத்தால் 4000 /- வரி விலக்கு உண்டு.
இப்படி பல விபரங்கள் கீழே அளித்துள்ளோம்.

ஆக நம் அஞ்சல் தோழர்களில் பெரும்பகுதியினர் முறையாக
இவற்றை அறிந்திருந்தால் வரி கட்ட வேண்டிய அவசியம்
இருக்காது . கணக்குப் பிரிவில் முன்கூட்டியே நம் ஆண்டு
வருமானம் என்ன வரும் என்பதை கேட்டு அறிந்தால்
அதற்கான சேமிப்பு வழியையும் கையாண்டு வரி விலக்கு
பெற முடியும்.
உங்களின் இதர சேமிப்பு விபரங்களை முன்  கூட்டியே கணக்குப்
பிரிவிற்கு தெரிவித்து அவர்கள் தன்னிச்சையாக TDS  பிடித்தம்
செய்வதை இனியாகிலும் தடுக்கலாம்.  தயவு செய்து சங்கப் பொறுப்பாளர்கள் மற்றும் விபரமான தோழர்கள் இந்த
செய்தியை நகல் எடுத்து வைத்துக்கொள்ளவும். வரும்
வருமானவரி ஆண்டில் முன்னதாகவே உபயோகப் படுத்தவும்.



SALARIED CLASS  EXEMPTED FROM FILING RETURNS
As already  published by  us in our  circle Union web site  in the previous posts-
Finance Minister Mr.Pranab Mukherjee has announced in the budget 2011-Government has proposed to exempt salaried class from filing Income tax returns unless they have other sources of income. This exemption is proposed to allowed to salaried people having income less than Rs.5 lakhs in a year.


The government will be issuing a notification exempting 'classes of persons' from the requirement of furnishing income tax returns, said the Memorandum to the Finance Bill 2011.

Salary earners having an income of less than Rs 5 lakh will not have to file tax returns from this year.

CBDT chairman Mr.Sudhir Chandra also said in media briefing that Salaried people, may be up to Rs 5 lakh need not file the (income tax) return.

The decision, which will come into effect from June 1, 2011, will reduce the burden on small taxpayers.

Mr.Chandra said that in case such a salary earner has income from other sources like dividend, interest etc. and does not want to file returns, he will have to disclose such income to his employer for tax deduction, and that the Form 16 issued to salaried employees will be treated as Income Tax Return.

NEW TAX RATES  FOR THE ASSESSMENT YEAR 2012-2013

These are New Basic Income tax Rates for the financial year 2011-12 (Assessment year 2012-13) announced by Finance Minister in the Budget 2011. Detailed Income Tax Rates will follow


• Exemption limit for the general category of individual taxpayers enhanced from Rs. 1,60,000 to Rs. 1,80,000 giving uniform tax relief of Rs. 2,000.
• Senior citizens' age qualification reduced from 65 years to 60 years
• Exemption for senior citizens raised to Rs. 2.5 lakhs
• Higher exemption for new category of very senior citizens – above 80 years of age.
• Tax exemption raised to Rs. 5 lakh for these very senior citizens.
Further it was announced by FM that Direct Tax Code Bill is likely to be passed by Parliament in the next financial year.

The Income Tax Rates applicable for the financial year 2011-12 (Assessment year 2012-13) have been revised. The following is the New Income Tax structure for the year 2011-12.


In case of individual (other than II and III below) and HUF

        Income Level                                                                 Income Tax Rate

i. Where the total income does not exceed Rs.1,80,000/-.         NIL

ii. Where the total income exceeds Rs.1,80,000/-
    but does not exceed Rs.5,00,000/-.                                 10% of amount by which the total
                                                                                            income exceeds Rs. 1,80,000/-

iii. Where the total income exceeds Rs.5,00,000/-
     but does not exceed Rs.8,00,000/-.                                Rs. 32,000/- + 20% of the amount by which
                                                                                           the total income exceeds Rs.5,00,000/-.

iv. Where the total income exceeds Rs.8,00,000/-.             Rs. 92,000/- + 30% of the amount by which
                                                                                         the     total income exceeds Rs.8,00,000/-.

II. In case of individual being a woman resident in India and
 below the age of 60 years at any time during the previous year:-

          Income Level                                                                       Income Tax Rate

i. Where the total income does not exceed Rs.1,90,000/-.                NIL

ii. Where total income exceeds Rs.1,90,000/-
      but does not exceed Rs.5,00,000/-.                                    10% of the amount by which the total 
                                                                                                 income exceeds Rs.1,90,000/-.

iii. Where the total income exceeds Rs.5,00,000/-
     but does not exceed Rs.8,00,000/-.                                     Rs. 31,000- + 20% of the amount by which
                                                                                               the total income exceeds Rs.5,00,000/-.

iv. Where the total income exceeds Rs.8,00,000/-                   Rs.91,000/- + 30% of the amount by which 
                                                                                                the total income exceeds Rs.8,00,000/-.
Education Cess: 3% of the Income-tax.


SALARY INCOME INCLUDES :- PAY, DP, Band pay, Grade pay, DA, OTA, BONUS, CCA, Honorarium, Children Education Allowance Received, Pension, Subsistence Allowance, Government's Contribution in New Pension Scheme, Transport Allowance above Rs.800/- per month.

• House Rent Allowance to the extent not exempted under Section 10 (13A) of Income Tax Act.

• Agricultural Income.
• Exemption under Section 10 (13A) in respect of HRA – Calculation Method:

Least of the following amount is to be treated as exempt from Income Tax.

• Actual House Rent Allowance Received, or

• Rent paid in excess of 10% of Pay in Pay band and Grade Pay or

• 50% of Pay in Pay band and Grade Pay if the employee is in Chennai/Mumbai/Kolkatta/Delhi and 40% of Pay in Pay Band and Grade Pay for the employees is in other places.

• If the employees resides in his/her own house or in a house for which he/she does not pay any rent, no HRA exemption is available.

TAX-INCENTIVE FOR SAVINGS – MAXIMUM LIMIT Rs. 1,00,000/-(Sec 80 CCE)

• Life Insurance Premium (limited 20% of the sum assured)

• Subscriptions to the GPF/CPF
• Subscriptions to the Mutual Fund
• Contribution toward CGEGIS
• Investments in NSC VIII & Accrued Interest on NSC deemed to be re-invested;
• Fixed Deposits for more than 5 years in SBI/Scheduled Banks/Post Office Five Year Time Deposit Scheme
• Repayment of HBA principal -Government /Bank/LIC/Housing Board/Co-operative Bank
• Tuition Fee paid limited to two children
• Subscriptions to equity shares/debentures forming part of any” eligible issue of Capital”—like Infrastructure Bonds (Sec 80 C)
• Contribution to any PENSION FUND, ULIP
• Contribution both by the individual and Government made to New Pension scheme (Sec 80 CCD)

Apart from this 1 lakh, amount up to Rs.20,000/- invested in
Infrastructure Bond approved by Government is exempted. (Sec 80 CCF)


CHAPTER VI - DEDUCTIONS

Medical Insurance Premium: Maximum Rs.15,000/- and Rs.20,000 (for Senior Citizen) (Sec 80 D). Also Meducal Insurance Premium up to Rs.15,000 paid for Parents is also allowed to be deducted from the income.

Handicapped Dependents- Maximum Rs.50,000/- (Disability) or Rs.75000/- ( Severe Disability) -Sec 80 DD- This claim required certficate under Section 139 of the Income Tax Act.

Medical Treatment Expenses: Maximum Rs.40,000/- (Sec 80 DDB)

Higher Education Loan repayment (Sec 80 E)- No limit-

Approved Donation – Section 80G.

• Deduction under Section 80 U – An amount of Rs.50,000 and Rs.1 lakh in the case of self is physically disabled and severely physically disabled respectively.

• Deduction under Section 80 GG – Rent paid subject to ceiling as deduction under Section 80 GG if HRA not received.

Deduction under Section 80 GGC – Donation paid to Political Parties.

• Deduction under Section 80 GGA – Donation paid to Scientific and Research and Rural development.

• Income or Loss on House Property:

Interest paid on Loan obtained for constructing house property can not be deducted as such. It should be treated as loss on house property and income if any such as rent recived from the house property should be treated as an income from House property.

There is also a change with respect to the tax benefit available for contribution to the New Pension Scheme (NPS). Currently contributions to the NPS by both the employer as well as the employee have to be counted for the tax benefit of a deduction. The change now proposes that the contribution of the Central Government or other employer to the NPS will not be eligible for the deduction. This means that the individual will have to take this out of the calculation and use only their own contributions while completing the required limit.


PAN is mandatory for filing income tax return with Income tax department and to implement the same Income tax department has come out with additional income tax liability to the assesses who did not provide their PAN in their income tax returns. The Extract of CBDT PR No. 402/92/2006-MC (04/2010) dated 20/01/2010, is as follows.

A new provision relating to tax deduction at source (TDS) under the Income Tax Ac 1961 will become applicable with effect from 1st April 2010. Tax at higher of the prescribed rate or 20% will be deducted on all transactions liable to TDS, where the Permanent Account Number (PAN) of the deductee is not available. All deductors are liable to deduct tax at the higher rate in all transactions not having PAN of the deductees on or after 1st April 2010. In order that there is no dispute regarding quoting / non-quoting of PAN or accuracy thereof, the law requires all deductees and dedutors to quote PAN of deductees in all correspondences, bills, vouchers and other documents sent to each other. All deductors are, therefore, advised to intimate their deductees to obtain and furnish their PAN so as to avoid TDS at a higher rate.