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സ്ത്രീകള്‍ എങ്ങിനെ വസ്ത്രം ധരിക്കണം എന്ന് പുരുഷന്‍ നിഷ്ക്കര്‍ഷിക്കുന്നത് ശരിയോ? അല്ലെങ്കില്‍ തിരിച്ചും?

Wednesday, August 24, 2016

7th Pay Commission pay hike creates millions of unhappy employees

New Delhi: Millions of central government employees are currently unhappy with their 7th Pay Commission pay hike.

It seems that nobody is satisfied with their 7th Pay Commission pay hike. At every level there appears to be an upward pressure on salaries and allowances, everyone deserve more pay than 7th Pay Commission pay hike. The 7th Pay Commission pay hike has got recent media attention, while, at the other end, there has been debate about the hiking of pay on the recommendations 7th Pay Commission is proper or not.
According to the commission’s recommendations, the minimum pay has been fixed at Rs.18,000 and the maximum at Rs.2.5 lakh for the cabinet secretary, the country’s senior-most civil servant. The commission had recommended a 14.28% increase in basic pay and the cabinet went with ditto to it.
The previous 6th Pay Commission had recommended a 20 per cent hike which the government doubled while implementing it in 2008.
There has been widespread demand from central government employee unions to hike the minimum pay to Rs.26,000; but the government has not accepted the demand till date.
After the central government employees union had threatened to carry out an indefinite strike, the government had promised hiking minimum pay but they are not now in mood for hiking the minimum pay.
Inequalities in pay can be damaging. Excessive remuneration of top bureaucrats has been made to unnecessarily drive up average pay in middle-lower ranks, and dramatic differences between levels throughout government business can undermine motivation. In a wider social sense, perceived inequalities between groups leads to huge discontent and instability.
Aaccording to the notification  of cabinet approved 18 pay matrices, the rate of increase of cabinet Secretary’s basic pay is 178 per cent as he got Rs 90,000 (fixed) in the immediate past under 6th pay commission recommendations, while middle-lower ranks employees will now only get 157% increase of their basic pay merging dearness allowances.
The pay ratio between the Indian top most bureaucrat and the lowest grade employees in the 7th Pay Commission recommendations is 1:13.9, which was 1:12 in the 6th Pay Commission recommendations.
All pay commissions except 7th Pay Commission made up pay gap between lower paid employees and top bureaucrats from second Pay Commission 1:41 ratio to Sixth pay commission 1:12.
The first pay commission was recommended pay of the top bureaucrats 41 times higher than the government employees at the bottom. The top bureaucrats were given salary Rs 2,263 while the lowest earning employees got Rs 55.
Subsequent pay commissions reduced the ratio of pay between lowest earning employees and top bureaucrats from 1:41 in 1947 to about 1:12 in 2006, while 7th Pay Commission made it higher about to 1:14.
The cabinet has approved the hike of the basic pay but decided to defer the recommended 63% allowances hike in the government employees pay package and refer the matter to a committee headed by Finance Secretary Ashok Lavasa.
Allowances contribute a lot in the pay hike recommendation. If the allowance is not taken into consideration it will mean fewer amounts because the allowance which the commission proposed is very substantial.
The hike in allowances, which will give them more money in the pocket, the compensatory perks for all central government employees, which is likely to be paid from October 1 and no arrears for allowances (except Dearness Allowance) is paid, as per usual practice, the allowances is paid from the date of implementation. This also a cause of unhappiness in central government employees.
However, Finance Minister Arun Jaitley said in the Parliament in this month, “The Pay Commission has put a burden of Rs 1.03 lakh crore.”
source: The Sen times

Friday, August 19, 2016

PLI Child Policy-CP ( Bal Jiwan Bima)

  PLI Child Policy-CP ( Bal Jiwan Bima)

Main Futures-

  • ·         To provide insurance cover to the two children of each existing PLI /RPLI policyholder provided that only one such policy will be allowed for an insured against one policy. 

Eligibility :

1.       This is an independent policy, however this policy can not be issued of its own to any child. If the father/mother (insured) of the child has already taken policy or is proposing to take policy on their life either as whole life or endowment Assurance for a sum assured not less than the sum assured of children policy then children policy shall be issued to such insured.
2.      Not more than one policy will be allowed for one child. The policy can be taken by insured for his/her own child only.
3.      Not more two children in a family shall be covered under this policy. The same child should not be covered under more than one policy.
4.      Any PLI or RPLI policy holder can apply for Child Policy for his two children's. Premium table is same for PLI or RPLI policy holder’s children policy.

Minimum & Maximum Age at Entry:-

  • ·         Mini. age at entry of children is 5 years and the maxi. age at entry is 20 years on next birthday The Main insured shall not be aged 45 years and above at the time of taking/issue of children policy.
  • ·         Sum Assured:-
  • ·         The minimum Sum Assured is Rs 20,000 and the maximum Sum Assured is Rs 3 Lakh. Additional sum assured in multiple of Rs 10,000/-

Medical Examination : 

  • ·         No needs of medical examination of children.

Loan : 

  • ·         No loan is admissible to children policy. 


  • ·         Surrendered and made paid up on usual conditions as applicable to main policy provided at least 5 years premiums have been paid. The amount is admissible as per surrender Table/Factor which would be a fraction of premium paid.

Term : 

·         The outstanding term of the main policy shall not be less than the premium paying period of children policy.
·         Premium ceasing age at 18, 19, 20, 21, 22, 23,24 &25 yrs.
Claim : 
1.       Sum assured shall be payable on children policy on its Maturity or earlier on death of the child
2.      In the event of the death of the insured before the expiry of the children policy, no further premium shall be payable for the balance period of the child policy.

Children Add on with profit(Policy of Sum Assured of INR 1000/-)
  •   For Sum Assured INR 20,000/- a rebate of INR 1/- Per month is admissible on premium.
  •   For the purpose of ‘age at entry’ the age on next birth day will be taken for fixing premium.
  •  For taking policy minimum age at entry will be 5 years & maximum 20 years
  •  Rebate of 2% of the Premium is allowed on annual premium & 1% on half year premium

Source :

India Post Payments Bank Incorporated

Press Information Bureau
Government of India
Ministry of Communications & Information Technology

18-August-2016 16:18 IST

India Post Payments Bank Incorporated

The India Post Payments Bank Limited has received the Certificate of Incorporation from the Registrar of Companies, Ministry of Corporate Affairs yesterday under the Companies Act 2013. This would be the first PSU under the Department of Posts. This has happened in the wake of Prime Minister Shri Narendra Modi’s Independence Day address, raising the expectations of the people from the soon to be set up India Post Payments Bank. With this move the Department of Posts has cleared an important milestone on this journey.

With the incorporation, the Board of the India Post Payments Bank Limited is likely to be constituted soon. The incorporation of the IPPB Ltd is a significant step forward as this also paves the way for the bank to begin hiring of banking professionals to set up the bank and begin its operations in 2017. The Department of Posts is expected to complete the roll out of its branches all over the country by September 2017. This could be the fastest roll out for a bank anywhere in the world.

The aspiration for the India Post Payments Bank is to become the most accessible bank in the world riding on state of the art banking and payments technology. Coupled with the physical presence across 1.55 lakh post offices and the reach of “The Dakiya”, the India Post Payments Bank aims to become a powerful and effective vehicle of real financial inclusion in the country. It is poised to create a national payments architecture riding on a modern payments platform and ubiquitous information and communication technologies that can be accessed by all users and service providers like never before. The stakeholders of the India Post Payments Bank within the Government and outside are looking at this new entity as a catalyst to social and financial inclusion.

Thursday, August 18, 2016

Not Revising HRA as per 7th CPC Recommendation is a big disappointment…!

Not Revising HRA as per 7th CPC Recommendation is a big disappointment…!
7th Pay Commission submitted its Recommendation in November 2016. House Rent Allowance is one of the very important recommendation expected by CG Employees among the most expected recommendations.
A Govt servant is spending one third of his salary for paying House Rent. Considering these expenses of CG Employees those who are living in big cities, Sixth CPC has recommended 10, 20 and 30% of the Basic pay as HRA. Accordingly, HRA has been paid for the past Eight Years and the Federation Demanded to increase this rates in 7th Pay Commission.
But the Commission in its recommendation reduced these rates to 8,16 and 24%. Though it has been justified with various reasons by 7th CPC, it disappointed the CG employees. Since CG Employees felt that only these reduced rates will be paid for next ten years, their demand to restore the old rates started gaining big support. As a result of this, all the Staff associations and Federations pressurized the Government to increase the rate of HRA and it was included in charter of 7th CPC demands.
Already the Government had wasted six months in the name of Empowered Committee to examine the 7th CPC Recommendations. Until now the report of this committee is not published.
The Cabinet gave its approval for the implementation of 7th CPC recommendations on 29th June 2016. It has been stated in that report that, a committee headed by Secretary, Finance will be Constituted to examine the Allowances and committee is given four-month time to submit its report. Till then the HRA will be paid as per Sixth CPC rates.
Meanwhile, Group of Ministers invited NJCA for a meeting to with draw the Indefinite Strike proposed to commence from 11th July, In that meeting, Increasing the percentage of HRA also discussed. The Government agreed to form a committee to examine the Allowances. It has been described as Government indirectly agreed to increase the HRA.

Setting up of 7th CPC Anomaly Committee – Dopt orders on 16.8.2016

Setting up of 7th CPC Anomaly Committee – Dopt orders on 16.8.2016

Setting up of Anomaly Committee to settle the Anomalies arising out of the implementation of the Seventh Pay Commission’s recommendations.

Government of India
Ministry of Personnel, Public Grievances and pensions
Department of Personnel & Training
JCA Section

North Block, New Delhi
Dated the 16th August, 2016


Subject: Setting up of Anomaly Committee to settle the Anomalies arising out of the implementation of the Seventh Pay Commission’s recommendations.

The undersigned is directed to say that it has been decided that Anomaly Committees should be set up, consisting of representatives of the Officials Side and the Staff Side to settle the anomalies arising out of the implementation of the 7th Pay Commission’s recommendations, subject to the following conditions, namely:

(1) Definition of Anomaly

Anomaly will include the following cases:

(a) where the Official Side and the Staff Side are of the opinion that any recommendation is in contravention of the principle or the policy enunciated by the Seventh Central Pay Commission itself without the Commission assigning any reason; and

(b) where the maximum of the Level in the Pay Matrix corresponding to the applicable Grade Pay in the Pay Band under the pre-revised structure, as notified vide CCS (RP) Rules 2016, is less than the amount an employee is entitled to be fixed at, as per the formula for fixation of pay contained in the said Rules”.

(2) Composition: 

There will be two levels of Anomaly Committees, National and Departmental, consisting of representatives of the Official Side and the Staff Side of the National Council and the Departmental Council respectively.

(3) The Departmental Anomaly Committee may be chaired by the Additional Secretary (Admn.) or the Joint Secretary (Admn.), if there is no post of Additional Secretary (Admn.). Financial Adviser of the Ministry / Department shall be one of the Member of the Departmental Anomaly Committee.

(4) The National Anomaly Committee will deal with anomalies common to two or more Departments and in respect of common categories of employees. The Departmental Anomaly Committee will deal with anomalies pertaining exclusively to the Department concerned and having no repercussions on the employees of another Ministry / Department in the opinion of the Financial Adviser.

(5) The Anomaly Committee shall receive anomalies through Secretary, Staff Side of respective Council upto six months from the date of its constitution and it will finally dispose of all the anomalies within a period of one year from the date of its constitution. Any recommendations of the Anomaly Committee to resolve the anomaly shall be subject to the approval of the Government.

(6) Cases where there is a dispute about the definition of “anomaly” and those where there is a disagreement between the Staff Side and the Official Side on the anomaly will be referred to and “Arbitrator” to be appointed out of a panel of names proposed by the two sides. However, this arbitration will not be a part of the JCM Scheme.

(7) The Arbitrator so appointed shall consider the disputed cases arising in the Anomaly Committees at the National as well as Department level.

(8) Orders regarding appointment of the Arbitrator and constitution of Anomaly Committee at National Level will be issued separately. All Ministries / Departments are accordingly requested to take urgent action to set up the Anomaly Committees for settlement of anomalies arising out of implementation of the 7th Pay Commission’s recommendations, as stipulated above.

(G. Srinivasan)
Deputy Secretary (JCA)


7th CPC Revised Pay Scale for CGA Employees

7th CPC Revised Pay Scale for CGA Employees

Dated: 10th August, 2016
Consequent upon Govt. of India’s decision for implementation of 7th Central Pay Commission’s Recommendations vide Resolution. dated 25th July, 2016, Min. of Finance, Deptt. of Expenditure has notified the orders for revised pay scales, fixation of pay and payment of arrears etc. Attention is drawn in this regard to Gazette Notification G.S.R.721(E) dated 25th July, 2016. The details of. posts in CCAS cadre carrying existing Pay Band and Grade Pay corresponding to the revised Pay Matrix Level are as under.
Sl. No.
Pay Band
Grade Pay
Pay Level (Matrix)
As per 6th CPC
(7th CPC)
PB-1 (5200-20200)
Level 1
PB-1 (5200-20200)
Level 2
PB-1 (5200-20200)
Level 5
Sr. Accountant
PB-2 (9300-34800)
Level 6
Assistant Accounts Officer
PB-2 (9300-34800)
Level 8
Level 9 after completion of 4 years**
Accounts Officer
PB-2 (9300-34800)
Level 9
Senior Accounts Officer
PB-3 (15600-39100)
Level 10
Stenographer Grade III
PB-1 (5200-20200)
Level 4
Stenographer Grade I
PB-2 (9300-34800)
Level 6
Private Secretary
PB-2 (9300-34800)
Level 7
Sr. Private Secretary
PB-2 (9300-34800)
Level 8
Level 9 after completion of 4 years
Data entry Operator Grade A
PB-1 (5200-20200)
Level 4
Data entry Operator Grade B
PB-1 (5200-20200)
Level 5
Computer Operator
PB-2 (9300-34800)
Level 6
Staff Car Driver Ordinary
PB-1 (5200-20200)
Level 2
Staff Car Driver Gr.II
PB-1 (5200-20200)
Level 4
Staff Car Driver Gr.I
PB-1 (5200-20200)
Level 5
Staff Car Driver Special Gr.
PB-2 (9300-34800)
Level 6
**Separate orders shall be issued in this regard.
The above description is for the guidance of offices under CGA organization inconsistencies, if any, may he brought to the notice of this office.
Asst. Controller of Accounts

Increment Anomaly in 7th CPC – Employees recruited in the period between 2.1.2015 and 1.7.2015

Increment Anomaly in 7th CPC – Employees recruited in the period between 2.1.2015 and 1.7.2015

Annual Increment on 1st January 2016 to Govt Servants appointed from 2nd January 2015 to 1st July 2015

When one Increment Date was introduced in Sixth CPC , there was an anomaly in granting Annual Increment to Government servants whose Increment date falls between 2nd January and 1st July 2006. It was raised in Anomaly Committee and the Committee had  recommended to grant one Increment for the aggrieved government servants.

Identical to that situation is observed in this Pay Commission also. There was an issue of unable to grant Annual increment even after  completing required service for the Government Servants recruited in the period between 2nd January and 1st July in Sixth CPC Regime. To address this issue Staff Unions and Association demanded to introduce Two Increment dates. The Central Government Accepted the demand and approved 1st January and 1st July as two dates for granting Annual Increment after fulfilling the conditions laid down in Rule No.10 in Revised Pay Rules 2016

But the Government Servants those who are appointed during the period between 2nd January and 1st July 2015 has to travel few more months  in 7th Pay Commission to get their first Annual Increment after completing 12 Months Service.

What CCS (Revised Pay) Rule 2016 says..?

In the illustration laid down in Rule No,10, it has been stated that..

(b) In case of an employee appointed or promoted in the normal hierarchy or under MACPS during the period between 2nd day of January, 2016 and 1st day of July, 2016, who did not draw any increment on 1st day of July, 2016, the next increment shall accrue on 1st day of January, 2017 and thereafter it shall accrue after one year on annual basis:

Though it is applicable for those who are appointed or promoted in the normal hierarchy or under MACPS during the period between 2nd day of January, 2016 and 1st day of July, 2016, why  it shouldn’t be extended to the Government servants those who are appointed  or promoted between 2nd January 2015 and 1st July 2015.

 Since they have been travelling in 7th Pay Commission after completing 12 Months Service without Annual Increment, it is to be considered an Anomaly and it should be addressed at the earliest, otherwise should be raised in 7th CPC Anomaly committee


Modified Assured Career Progression (MACP) :Some important Doubts and Clarifications – DOPT Order

No. 35034/3/2008-Estt (D)
Government of India
Ministry of Personnel, Public Grievances & Pensions
Department of Personnel & Training
Establishment (D)  

North Block, New Delhi,
Dated : 9
th September, 2010

           The undersigned is directed to invite reference to the Department of Personnel and Training Office Memorandum of even number dated the 19th May, 2009 regarding the Modified Assured Career Progression Scheme (MACPS). Consequent upon introduction of the Scheme, clarifications have been sought by various Ministries / Departments about certain issues in connection with implementation of the MACPS. The doubts raised by varlous quarters have been duly examined and point-wise clarifications have accordingly been indicated in the Annexure.
2 The MACPS should strictly be Implemented in keeping wlth the Department of Personnel and Training Office Memorandum of even number dated 19/05/2009 read with the aforesaid clarifications (Annexure).

3. All Ministries / Departrnents may give wide circulation to the contents of this O.M. for general guidance and appropriate action in the matter.

4. Hindi version would follow.

(Smita Kumar)
Director (Estt.I)

[Reference:- Office Memorandum No.35034/3/2008-Estt.(D) dated 07.09.2010]
1 Whether the Pay Band would change in the hierarchy of Pay Bands & Grade Pay on grant of the benefits under MACPS?
Yes. The upgradations under MACPS is to be granted in the immediate next higher grade pay in the hierarchy of recommended revised pay (band and grade pay as prescribed in the CCS, (RP) Rules, 2008.
Whether the benefits of MACPS would be allowed to the Government servants who have been later on inducted in the Organized Group “A” Service
No. The benefits under MACPS is not applicable to Group ‘A’ officer of Organised Group ‘A’ Services, as the officer under Organized Group ‘A’ Services have already been allowed panty of two years on non-functional basis with the officers of Indian Administrative Service (IAS)
How will the benefits of ACP be granted if due between 01.01.2006 and 31.08.2008?
The new MACPS has come into existence w.e.f. 01.09.2008. However, the pay structure has been changed w.e.f. 01.01.2006. Therefore the previous ACPS would be applicable in the new pay structure adopted w e f . 01.01.2006. Para 6.1 of Annexure-1 of MACPS is only for exercising option for coming over to the revised pay structure and not for grant of benefits under MACPS. The following illustrations would explain the position:

(A) In the case of isolated post:

Date of appointment in entry Grade in the pre-revised pay scale of Rs.4000-6000: 01.10.1982

st ACP granted on 09.08.1999 :

Rs.4500-7000 (pre-revised)

nd ACP due on 01 10 2006 :

Rs.5000-8000 (pre-revised)

[revised PB-2 Grade Pay of Rs.4200]

3rd financial upgradation under the MACPS would be due on 01.10 2012 (on completion of 30 years of continuous regular service) in the immediate next higher grade pay in the hierarchy of recommended revised pay band and grade pay i.e. Grade Pay of Rs.4600 in PB-2.

(B) In the case of normal promotional hierarchy:

Date of appointment in entry Grade in the pre-revised pay scale of Rs.5500-9000: 01.10.1982

st ACP granted on 09.08.1999 :

Rs.6500-10500 (pre-revised)

2nd ACP due on 01.10.2006 (as per the existing hierarchy) :

Rs.10000-15200 (pre-revised).

Therefore, 2nd ACP would be in PB-3 with Grade Pay of Rs.6600 (in terms of hierarchy available):

rd financial upgradation under MACPS would be due on 01.10.2012 in the immediate next higher grade pay in the hierarchy of recommended revised pay band and grade pay of Rs.7600.
Whether the benefits of MACPS would be granted from the date of entry grade or from the date of thew regular servlce/approved service counted under varlous service rules
The benefits under MACPS would be available from the date of actual joining of the post in the entry grade.
In a case where a person is appointed to an ex-cadre post in higher scale on deputation followed by absorption. whether the period spent on deputatlon perlod would be counted as continuous servlce in the
grade or not for the purpose of MACPS
(i) Where a person is appointed on direct recruitment/deputation basis from another post in the same grade, then past regular service as well as past promotions/ACP, in the earlier post, will be counted for computing regular service for the purpose of MACPS in the new hierarchy.

(ii) However, where a person iS appointed to an ex-cadre post in higher scale initially on deputation followed by absorption, while the service rendered in the earlier post, which was in a lower scale cannot be
counted, there is no objection to the period spent initially on deputation in the ex-cadre post prior to absorption being counted towards regular service for the purposes of grant of financial upgradation under MACPS, as it is in the same Pay band/grade pay of the post.
Whether the pay scale/grade pay of substantive post would be taken into account for appointment/selection to a higher post on deputation basis or the pay scale/grade pay carrying by a Government servant on account financial upgradation(s) under ACP/MACP Scheme
The pay scale/grade pay of substantive post would only be taken into account for deciding the eligibility for appointment/selection to a higher post on deputation basis.
In a case where 1st/2nd~ financial upgradations are postponed on account of the employees not found fit or due to departmental proceedings, etc. whether this would have consequential effect on the 2nd/3rdfinancial upgradation or not.
Yes. If a financial upgradation has been deferred/postponed on account of the employee not found fit or due to departmental proceedings, etc.. the 2nd/3rd financial upgradations under MACPS would have consequential effect.(Para 18 of Annexure-1 of MACPS referred).
In a case where the Government servant have already earned three promotions and still stagnated in one grade for more than 10 years, whether he would be entitle for any further upgradation under MACPS
No. Since the Government servant has already earned three promotions, he would not be entitled for any further financial upgradation under MACPS.
Whether the pre-revised pay scale of Rs.2750-4400 in respect of Group ‘D’ non matriculate employees, would also be taken as merged to grade pay of Rs.1800 for the purpose of MACPS in view of merger of pre-revised pay scales of Rs.2550-3200, Rs.2610-3540, Rs.2610-4000 and Rs.2650-4000, which have been upgraded and replaced by the revised pay structure of grade pay of Rs.1800 in the pay band PB-1.
If a Govt Servant on deputation earns upgradation under MACPS in the parent cadre, whether he would be entitled for deputation (duty) allowance on the pay and emoluments granted under the MACPS or not?
No. While eligibility of an employee for appointment against ex-cadre posts in terms of the provisions of the RRs of the ex-cadre post will continue to be determined with reference to the post/pay scale of the post held in the parent cadre on regular basis (and not with reference to the higher scale granted under ACPS/MACPS). such an officer, in the event of his selection, may be allowed to opt to draw the pay in the higher scale under ACP/MACP Scheme without deputation allowance during the period of deputation, if it is more beneficial than the normal entitlements under the existing general order regulating pay on appointment on deputation basis.
Since the pay scales of Group “D” employees have been merged and placed in the Grade Pay of Rs.1800, whether they are entitled for grant of increment @ 3% during pay fixation at every stage.
Yes. On the analogy of point 22 of Annexure-1 of MACPS, the pay of such Group “D” employees who have been placed in the Grade Pay of Rs.1800 w.e.f. 01.01.2006 shall be fixed successively in the next three immediate higher grade pays in the hierarchy of revised paybands and grade pays allowing the benefit of 3% pay fixation at every stage.