Suggested Training module for Central/Civil Pensioners

Background:
It is suggested that regular training be conducted for fresh recruits at
induction level. Training must also be conducted for managerial level
periodically. Special training be organised for Personnel Managers and
CPPCs. A separate link has been created on our Departmental website
www.persmin.nic.in which carries some of the most important orders
which must be known by all personnel dealing with pension matters.

Induction training- This module has been developed for training

paying Bank Branch officials dealing with pension matters to ensure that
there are no delay in disbursement of pensions/family pension.

Sensitisation - The officers need to be properly sensitised about their role

and to appreciate the special need of senior citizens. This will bring about a
change in mindset so that the difficulties being faced by pensioners may be
minimised and handled appropriately.

Special category – The officers posted at the CPPC should be given

specialised training for the disbursement of pensions/family pension. The
role of CPPC is vital in the process of pension. Issues like implementation of
e-PPO, e-Scrolls may be deliberated. Good practices of different CPPCs may
be replicated.
 I. Training Module for Paying Branches
Paying Branches would need to segregate pensioners belonging to
Central Civil, Defence, Railways, P&T and State Governments Pensioners.
The detailed provisions which must be covered are as follows. Banks may
add to these as necessary.

CCS PENSION RULES 1981

1. Banks take average three months after receipt of PPOs to start fresh
pension. Main reason is delay in identification process by bank
branches. The undertaking for refund of excess payment made will
henceforth be a part of pension papers to be submitted by the
individual. Orders in this regard will be issued shortly. Provision has
been made in the new pension Form -5. All the pension paying
branches need to be informed about it.

2. Age related pension is not paid in routine manner from first day
of the month in which pensioner attains the age of 80 years. Software
should do the same(Rule 49 & 54).

3. If pensioner dies without receiving retirement gratuity, banks

harass the family and do not follow provisions of Rule-51 of Pension
Rules.

CCS Pension Rules - Rule 51 -Persons to whom gratuity is payable

(1) (a) The gratuity payable under Rule 50 shall be paid to the person or
persons on whom the right to receive the gratuity is conferred
by means of a nomination under Rule 53;
 (b) if there is no such nomination or if the nomination made does
not
subsist, the gratuity shall be paid in the manner indicated below-
(i) If there are one or more surviving members of the family
as in `[clauses(i), (ii), (iii), (iv) and (v) of sub-rule (6) of
Rule 50, to all such members in equal shares;
(ii) If there are no such surviving members of the family as in
sub-clause (i) above, but there are one or more members
as in `[clauses (vi), (vii), (viii), (ix), (x) and (xi) of sub-rule
(6) of Rule 50, to all such members in equal shares.
(2) If a Government servant dies after retirement without receiving the
gratuity admissible under sub-rule (1) of Rule 50, the gratuity shall
be disbursed to the family in the manner indicated in sub-rule(1).

(3) The right of a female member of the family , or that of a brother, of

a Government servant who dies while in service or after retirement,
to receive the share of gratuity shall not be affected if the female
member marries or re-marries, or the brother attains the age of
eighteen years, after the death of the Government servant and
before receiving her or his share of the gratuity.

(4) Where gratuity is granted under Rule 50 to a minor member of the

family of the deceased Government servant, it shall be payable to
the guardian on behalf of the minor.

CCS (COP) RULES 1981

1. Cases were noticed in which commuted portion of pension was not
reduced at all as per Rule 6 of CCS(COP) Rules 1981 and later
recovery of huge amounts indicated.
2. Pension commuted on more than one occasion is to be restored
after 15 years of respective date. Rule 10A of CCS(COP) Rules 1981.

3. If pensioner dies without receiving Commuted value of

pension, banks harass the family and do not follow provisions of
Rule – 7 of CCS(COP) Rules 1981.

CCA (Commuted Pension) Rules, 1981 - Rule 7- Nominations

(1) An applicant shall make a nomination in Form 5 along with the
application referred to in Rule 13 or Rule 19, as the case may be,
conferring on one or more persons the right to receive the
commuted value of pension in case the applicant dies without
receiving the commuted value on or after the date on which
commutation became absolute.
(2) If there is no such nomination, or if the nomination made does
not subsist, the commuted value shall be paid to the family in the
manner indicated in sub-rule (1) (b) of Rule 51 of the Pension
Rules.
(3) If in any case the commuted value cannot be paid in the manner
indicated in sub-rules (1) and (2), the same shall be paid to his
Impact of re-employment on the pension amount and DA should
be dealt according to CCS Pension Rule 55A.

IMPORTANT DOP & PW CIRCULARS

1. Family Pension is admissible to the family of the Government
servant/pensioner from the next day of death of such Government
servant/pensioner. Holder of joint account can be paid family pension
by submission of death certificate only. Submission of Form 14 is not
 required(OM No.1/27/2011-DOP&PW(E) dated
20/9/2013)(Annexure-I).

2. Family Pension allowed to a disabled child even after his/her

marriage (No.1/33/2012-P&PW(E) dated 16/1/2013) of CCS(COP)
Rules 1981)(Annexure-I)..

3. Two family pensions for service rendered under two different sets
of Rules allowed(No.1/33/2012-P&PW(E) dated 16/1/2013)
)(Annexure-I).

4. Disabled children, dependent parents and disabled siblings

co-Authorised in the Pension Payment Order during the life time
of Government servant/pensioner which will enable disbursement of
family pension to this category(No.1/27/2011-P&PW(E) dated
21/07/2013) (Annexure-I).

5. Implementation of Government’s decision on the recommendation

of the Sixth Central Pay Commission Revision of pension of pre-2006
pensioners/family pensioners etc. (38/37/08-DOP&PW(A)
dated03/10/2008)**.

6. Implementation of Government’s decision on the recommendation

of the Sixth Central Pay Commission Revision of provisions regulating
pension/gratuity/commutation of pension/family pension/disability
pension and ex-gratia lump-sum compensation (38/37/08-P&PW(A).pt.ii
03/10/2008)**.
** These circulars are available at www.persmin.nic.in
SCHEME BOOKLET OF CPAO

1. Bank branches are not aware that in 12 cases personal appearance

is exempted for filing of a life certificate. (Para -15 of Scheme
Booklet)(Annexure-II).

2. Red colour PPO booklet is meant for pensioner and should be handed
over to the pensioner by bank branches after the identification
process is complete. But in most cases this is not given to the
pensioner.

3. Procedure for transfer of pension payment from one bank to another

is given in Para-16 of Scheme Booklet (Annexure-II). In the process
the papers are not to be routed thorough CPAO. But in most cases
banks send pension papers to CPAO which delays the transfer
process causing avoidable grievance to pensioner.

Annexure –XXI is not sent to CPAO by both CPPC after transfer

process is complete (Para 16.2. of Scheme Booklet)(Annexure-II).

4. The procedure for payment of Pension to Non Resident Indians

(NRI) Pensioners is given at Para 17 of the Scheme Booklet.(Annexure-
II)

5. Banks have powers to restore commuted pension after 15 years as

per Para-20.5 of Scheme Booklet(Annexure-II).
6. After death of pensioner the procedure for the start of family pension
is contained in Para 24 of Scheme Booklet (Annexure-II) and should
be followed by bank.
7. In cases original pension documents are lost in transit between
one banks to another, banks stop the payment of pension and do not
follow procedure prescribed in Para-26 of Scheme Booklet(Annexure-
II) to prepare duplicate documents.

8. Since, all the banks have moved to CPPC system, special training
programme exclusively for CPPC staff be arranged where issues like
implementation of e-PPO, e-scrolls can be deliberated. Moreover, all
the CPPCs are newly established, such programme shall be a common
platform to share ideas and practices followed by different CPPCs and
good practices followed by one can be replicated by other CPPCs.

9. In some cases Life Certificate is sent wrongly by post by

bank branches to their CPPC and sometimes to CPAO rather than
uploading in computer system at the branch itself. Therefore all the
nuances of software to be trained to the branch officers.

10. Simplification of Pension Procedure Amendment in para 15 and

para 16 of Scheme for payment of Pensions to Central Govt. Civil
Pensioners by Authorised Bank (CPAO/Tech/Simplification/2012-
13/325 dated 30/06/2011).

11. Life Certificate- Exemption from Personal Appearance –

(CPAO/Tech/Grievances/2010-11/531 dated 30/06/2011)*

12. Instructions issued to Banks for payment of revised

pension/arrears
(D.O.No : CPAO/Tech/6th CPC/Misc/2008 dated 17/10/2008)*.
13. Implementation of Government’s decision on the recommendation
of the Sixth Central Pay Commission Revision of pension of pre-2006
pensioners/family pensioners etc. (38/37/08-DOP&PW(A).pt.1 dated
14/10/2008)*.

14. Instructions issued to Banks for payment of revised pension/arrears

(DO No: CPAO/Tech/6th CPC/Misc/1265 dated 14/10/2008)*.

15. Instructions issued to Banks for payment of revised pension/arrears

(DO No: CPAO/Tech/6th CPC/Misc/1265 dated 26/09/2008)*.

16. Payment of pension through Authorised Banks-Credit of pension to

Joint bank account operated by a pensioner with his/her
spouse(No.CPAO/Tch/ Amendments/Sch.Book/2005-06/6 dated
09/06/2005)*.

Note- * These circulars are available at www.cpao.nic.in

17. Other Important Issues/problems noticed by CPAO:

i) Misclassification of pension. Pension debitable to Railways etc
have been noticed as debited to Central Civil.

ii) E scrolls are important documents for CPAO but banks are
irregular in sending this document.
 iii) Setting up of Grievance Redressal System in Banks. The Citizen
Charter of banks should indicate where the complaints should be
sent.

iv) Cases of fresh PPO/Revision received by home branch but not

acted upon should be displayed on notice board/website for the
benefit of pensioners.

v) A Bank officer in each CPPC should be assigned the duty of

liaison with grievance cell of CPAO for quick and effective redressal
of grievances. His phone number/mail ID should be given to CPAO.

GENERAL POINTS

1. A person in re-employment when retires, DR should be

automatically started on receipt of application.

2. If name of family pensioner as well as rate of family pension is

not recorded in pension documents then it requires approval of
Pensioner’s parent office but banks do not guide properly(PPO).

3. Standardized formats of important circulars, forms should be

made available in soft copy to participants of training programme and
should form part of discussion during the programme.

4. Pension on voluntary retirement, pension on absorption,

split pension, invalid pension should be included in training
programme.
5. Issues of personal identification, letter of undertakings, proof of age
wherever age is not available, periodicity and implications of various
certificates like LC, reemployment, remarriage/ non-marriage etc.
should be deliberated in detail for clarity.

6. Effects of DA/ DP Merger w.e.f. 01/04/2004 and its impact on

fixation as per 6th CPC.

7. Focus should be on case studies based on actual experience in

the banks which should be made available to the Faculty.

8. Participants should be encouraged to come out with suggestions

and problems faced by them at field level and worthwhile contribution
should be taken up for further consideration in improving pension
delivery system.

9. Reserve Bank of India has issued instructions to Pension Disbursing

Banks to issue pension slips showing break up of payments and
deductions. State Bank of India is sending this information through
SMS on registered mobiles against a nominal charge. Some other
banks refuse to issue slips or details. Due to the above situation, apart
from other details, any excess payment escapes attention of the
pensioners who have to face hardship when the amount is recovered.
 II. Training Module for CPPC

The Central Pension Processing Centres (CPPC) had been established

as the central repository of data to facilitate data management and
processing in a centralised manner. The intention was that the CPCC, one for
each bank, would function as a back office to support the functioning of the
large number of pension paying branches. The pension paying branches
were to continue to be interface with individual pensioners. It has been
brought to our notice that in effect the pension paying branches instead of
resolving issues raised by the pensioners, either direct the pensioners to
approach the CPPC or pass on the responsibility for delays and inaccuracy in
payment to the CPPC. Since the CPPC would invariably be located at a
distance from the paying branches the pensioners feel helpless and
frustrated.

An institutional mechanism may be put in place to ensure that the

Managers of the paying branches do not refer the pensioners to CPPC and
resolve the issues upfront at their level.

Detailed instructions on CPPC functioning may be obtained for CPAO.