1. SB Related duties

2. Duties- SB Related The mail overseer should check
The SB/RD/TD Journals
All the transactions in the journals from last date of visit/ inspection
Confirm the correctness of total of daily transactions done by the BPM
The journals and compare it with BO account

3. What is SB (28) ?????
Can you recall ????

4. Duties – SB Related In case of SB-28, the mail overseer should
Compare the office copy with BO journal entries
Verify signature of the depositor with the SS book
Verify if SB-28 has been issued individually for each PB
Non issue of SB-28 is a crime as per RULE NO 355 OF POSTAL MANUAL VOL VIII

5. Duties – SB Related Please remember
To verify whether the BPM had issued SB-28 receipts for the PBs obtained from depositor
SB PBs sent to AO (as per BO journal)
= SB-28 receipts issued

6. What is SB (26) ?????
Can you recall ????

7. RULE NO 355 OF POSTAL MANUAL VOL VIII
Duties – SB Related
In case of SB-26, the mail overseer should
check
If the type of account is mentioned in the receipt
If entries are made in SB/RD/TD journals
If corresponding entries are made in the SS book
If the PB is received in time from AO (ascertain with BO Slip)
If necessary entries are there in the BO journal
That there is no delay in delivery of PB to depositor
RULE NO 355 OF POSTAL MANUAL VOL VIII

8. RULE NO 355 OF POSTAL MANUAL VOL VIII
Duties – SB Related
In case of SB-26, the mail overseer should
Contact the depositor and ascertain receipt of the PB if signature in SB 26 does not tally with SS Book
Verify if the BPM has prepared a single SB-26 receipt for new accounts (MPKBY agent’s RD bulk lists)
Contact the account office immediately if PB is not returned within reasonable time
Bring this to the notice of the Sub Divisional Head
RULE NO 355 OF POSTAL MANUAL VOL VIII

9. RULE NO 355 OF POSTAL MANUAL VOL VIII
Duties – SB Related
The mail overseer should
Report issue to the SDI if the original receipt is not handed over to the depositor
Beware of spoilt SB 26 receipts in the BO
In case of loss of original SB 26 by the Depositor
Mail overseer to ensure
BPM gets application furnished by the depositor
Gets the orders from the account office on the application
Then delivers the PBs to the depositors
RULE NO 355 OF POSTAL MANUAL VOL VIII

10. In case of Undelivered Passbooks the Mail overseer should
Duties – SB Related
In case of Undelivered Passbooks the Mail overseer should
Verify if undelivered PBs in deposit are noted in the BO journal in red ink
Ensure the BAT in PB agrees with SB/RD/TD journals
Ensure that the PB is forwarded to AO if interest has not been added
Take efforts to deliver the pass books to depositors personally
Report to the Sub Divisional Head in case of discrepancies

11. Duties – SB Related PASS BOOK VERIFICATION – Mail overseer should
Contact the depositors personally
Verify prescribed number of all kinds of PBs
Check all the transactions appearing in the PB after last visit/ inspection/ addition of interest
Receive list of PBs not received for entry of interest in July every year from SDI /AO
Verify the accounts in the list mandatorily
Perform regular SB PB verification only after verification of this list

12. Duties – SB Related
In case of PBs not received for entry of interest, the mail overseer should
Identify such accounts by referring to the SB journal
Note down the account numbers not received for subsequent transaction
Check whether DNT (Date of Next Transaction) is invariably noted for all transactions in the journal
List the account numbers for which the SB – 28 receipts has not yet been issued for the last one year
Verify those PBs compulsorily
Make arrangements for sending them for interest posting

13. In case of RD accounts please remember that
Duties – SB Related
In case of RD accounts please remember that
RD account discontinues after four defaults
Revival is permitted only within two months from the month of fifth default after payment prescribed default fee
Default installments to be paid by the depositor
RD accounts give sufficient scope for manipulation
Manipulations can be covered up easily
Non updation of ledgers, pending at AO/HO will enable frauds

14. While checking RD PBs the mail over seer should
Duties – SB Related
While checking RD PBs the mail over seer should
Check every single transaction in the PB
Count number of date stamp impressions in the PB
Multiply it by the denomination & ensure the correct balance is available in the PB
Check dates of transactions and their credits
Check RD accounts with default
both the MPKBY agent list & individual deposits
Contact the concerned depositors personally
Ensure that the Agent list should contain ASLASS card number

15. While checking RD PBs the mail over seer should
Duties – SB Related
While checking RD PBs the mail over seer should
Compare the previous month’s total deposit & number of accounts with the current month’s figures
Deal with following issues vigilantly
Huge/ sudden short fall in amount and number of accounts
Discontinued accounts and PMC cases
Calculate the monthly totals of RD Deposits/payments in BO account for every month since last visit
Ensure that there is no discrepancy in amount of RD deposits
Return the PBs obtained for verification immediately Or before leaving the village
Not entrust the PBs to the BO staff while leaving the BO

16. Duties – SB Related
While checking MGNREGS PB the mail over seer should check
Whether Accounts are opened only in the name of individual wage seekers
Test check of MGNREGS transactions
Whether GDS officials in your jurisdiction do not accept bribe/baksheesh for making payments
Any complaints regarding MGNREGS payments should be immediately enquired
Wage list received from AO bears its date stamp, sign of postmaster
Paid wage list have been filed serially, chronologically
Wage list is received duly entered in BO slip
Cash is received along with wage list from PO
All notifications & instructions issued on MGNREGS statistics is maintained in the BO

17. The mail overseer should verify
Duties – SB Related
The mail overseer should verify
The number of pages in each PB
The correctness of pages in the PB
The blank pages in between filled up pages
All the passbooks received at counter on the date of visit
The uniformity of the dates recorded in manuscript & the date stamp impression
Discontinued RD, Silent accounts & SB PBs not received for entry of interest

18. The mail overseer should
Duties – SB Related
The mail overseer should
Ensure that the
counterfoils are given to the depositor across the counter
the depositors are preserving the counterfoils
Avoid verifying the same pass book repeatedly during every visit/inspection
In case of discrepancies-
enquire with the depositor immediately
report the matter to the sub divisional head

19. Duties – SB Related The mail overseer should
Prepare extracts of the PBs verified
Submit the said extract to the sub divisional head
After endorsement by sub divisional head, forward the extract it to the HO
On return from HO/SO
If found, the PB is to be called for & send for verification by SBCO after issuing SB -28 receipt.
If not, paste the extracts in concerned work papers

20. SB related duties of Mail Overseer
Mail overseer has to guide the BPMs in processing Savings accounts deceased claim cases.
In the following slides the guidelines for settlement of claim cases are explained.

21. Basis for claims On death of depositor/investor
Settled on the basis of the following
Nomination
Legal Evidence
Other (No nomination, no legal evidence up to balance of Rs.1 lac)
1.3.2

22. Basis for claim… Legal Evidence Probate of will Succession Certificate
Letter of administration
1.3.2

23. Savings Accounts Type of Claim case Documents required SB- Nomination
Common Application : SB – 30
Death certificate (s)
Pass books
SB- Legal evidence
Common Application SB -30
Legal document
SB- No Nomination & legal evidence
Letter of Indemnity
Affidavit
Letter of disclaimer on affidavit
1.3.2

24. Savings Accounts…Procedure
Scrutiny of application
Witness necessary
ID and Address proof of claimant and two witnesses as per KYC norms .
1.3.2

25. Savings Accounts… procedure
Enter the particulars in claim register.
BPMs are required to keep stock of SB-30 forms.
Verification of balance in passbook with reference to S.B Journal
1.3.2

26. Savings Accounts…
Sanction is issued on the application only – No separate sanction memo need be issued.
If the sanctioning authority is other than Sr.PM/PM/SPM sanction memo is necessary
Payment is made obtaining acquittance on the application itself – No separate SB – 7A necessary.
1.3.2

27. Power for sanctioning claims (SB, RD,TD,MIS,NSS)
Authority
With Nomn.
Legal evidence
Others
(New form)
T/S SPM
1,000
Note: Except C & B class for other SPMs RD/MIS with Nomination ‘No limit’
LSG SPM
2,000
MDG
No limit
5,000
HPM
1.3.2

28. Savings Accounts…
For the purpose of limit, the amount as on the date of death of the depositor including interest up to previous financial year.
1.3.2

29. Savings Accounts…
BPM has to send documents to AO in BO bag duly invoiced in BO daily account
Note date of payment in
Specimen signature book
Claim register
1.3.2

30. Other relevant information…
Post Office should settle the claim within seven working days if claim falls within his financial power
If not, forward by service Insured Post on the same day of its receipt
Every administrative office will dispose off the case within seven days of the receipt
Transmission of claim papers by Insured Post
Payment by crossed cheque irrespective of amount
1.3.2

31. Some more relevant information…
Responsibility will be fixed for delay in settlement beyond 7 working days
Payment by crossed cheque irrespective of amount
Sanction memo will lapse after one year from the date of issue
Deposit can be accepted in Recurring Deposit accounts after the death of depositor, but the amount will be paid to the nominee/legal heir only
1.3.2

32. After issue of sanction, the following accounts may be transferred to the name of nominee/legal heir
Recurring Deposit
Time Deposit
1.3.2

33. Have you noticed any irregularities during your visit?
Group Discussion
Class to be divided into 4 groups for discussion on SB related Case Studies
Have you noticed any irregularities during your visit?