Introduction with Civil Services Rules Volume II
The Punjab Civil Services Rules Vol-2 has also been divided into 15 chapters and basically deals with the pension and pensionary benefits being admissible to the Punjab Govt. officials. Chapter wise synopses of remaining chapters are as under:-
Note: Here is the chapterwise overview. You can move the bottom of the page to download the pdf files of CSR Vol-1,2,3.
- The extent of application – applicable to all the GEs appointed on or before 01.01.2004.
“Provided that the rules in Part I-Pension in Volume II of these rules called the Punjab Civil Service Rules, Volume II shall not apply to the Government employees who are appointed to the posts mentioned in categories (1) to (5) above on or after the Ist January 2004.
- New pension rules;
- Definitions – same as given in the CSR Volume I, Part I;
- General, Revision with certain conditions;
- Recoveries from the DCRG and Pension;
- Cases in which claims of pension are inadmissible – Limited period post, monthly wages post, contract;
- Misconduct, Insolvency or Inefficiency – No pension to persons dismissed, removed from service on these grounds. But compassionate allowance up to 2/3rd of the pension can be granted, had he been retired on medical grounds.
- Claims of widows or heirs – Ex-gratia 50,000/- and same for disablement; w.e.f.1.1.2006 – 8.00 lac for directly attributable and 10.00 lac for riot-affected.
- Service qualifying for pension
- Conditions of qualification
- First condition – service must be under Government; second condition substantive and permanent employment; third condition service paid by the Government.
- Services paid from Trust fund, fee or commission, grant of a tenure in land or local fund etc does not qualify for a pension;
- Reckoning of service for pension
- Counting of Military service for a civil pension;
- Following a period of leave and other authorised absence from duty qualifies for pension:
(a) Period of leave;
(b) Periods of training;
(c) Deputation out of India or to the Defence Deptt;
(d) Period of a voyage to India on recall to duty;
- Following periods are not countable for pension:
(a) Period of suspension;
(b) Interruptions in service;
(c) Condonation of interruptions and deficiencies;
(d) Over Stayal of leave, joining time, suspension period etc
- Classification of pension:-
(a) Compensation pension;
(b) Invalid pension;
(c) Superannuation pension; &
(d) Retiring Pension.
- Death cum retirement Gratuity;
- Family pension scheme
- Re-employment of Civil Pensioners;
- After compensation or invalid Gratuity;
- After compensation pension;
- After Invalid pension;
- After superannuation or retiring pension.
- Commercial employment after retirement
- Employment under Govt. outside India after retirement.
- Wound and other extraordinary pensions
- Grant of pension to Dependents of Private individuals
- Classification of injuries;
- Injury, Gratuity and Pension
- Preparation of list of Govt. employees due for retirement;
- Intimation to the AO Rent UT
- Preparation of pension papers at the time of retirement.
- The stage for the completion of pension papers;
- Calculation of pension papers;
- Forwarding of pension papers to AG Punjab;
- Intimation of dues to the AG Punjab;
- Provisional pension and gratuity, where departmental proceedings are pending;
- Authorization of pension and gratuity by the AG Punjab;
- Issuing sanction by the Head of the Department/office and adjustment of Govt. dues from the gratuity;
- Bill to treasury/payment through 3rd party cheque;
- Revision of Pension after authorization;
- Date of retirement to be notified
Preparation of Pension Papers
9.2 Head of office shall write to AO (Rent) UT or PWD Department as the case may be, at least two years before the anticipated date of retirement to issue No Demand Certificate in respect of Government accommodation up to 8 months prior to the date of retirement.
9.4. The Head of the office shall go through the service book of the employee at least two years before the anticipated date of retirement and any unverified portion of the service book shall arrange to verify from the office copies of pay bills or other records and if the period relates to other offices the same may be got verified from the concerned office, In case this unverified period is not capable of being verified in this manner the concerned employee may be asked to file an affidavit on a plain papers to the effect that he had actually rendered service during that period. he shall also be asked to produce all relevant documents and furnish all information which is in his power to produce or furnish in support of such declaration.
Obtaining of form PEN 15 and other documents by Head of office 8 months before the date of retirement
Head of the office shall obtain form PEN 15 (Specimen at page 257 CSR Vol-II) from the employee concerned 8 months before the date of retirement along with Two specimen signatures, three joint photograph jointly with wife/husband ,Two slips each showing height and personal identification marks, an undertaking under rule 9.15 that in case the excess amount was made the same will be refunded to the Govt. and also nomination forms along with commutation form if the employee wants to get his/her pension commuted.
Forwarding of Pension papers to A.G. (A&E) 6 months before the date of retirement by the head of the office
Head of the office shall forward the pension case 6 months prior to the date of requirement with Service Book., Form Pen- I, Form Pen 15 along with documents supplied by the Government employee as shown at Para 2 above, Calculation sheet, No due Certificate and also no pending enquiry Certificate. No enquiry certificate in respect of Group A and B should be obtained from the Vigilance department through the Administration Department.
9.9 Provisional Pension
If the Head of the office anticipates that the Government Employee cannot get pension after the date of retirement well in time he shall without delay take steps to determine the qualifying service and emoluments and issue sanction for payment of 100% pension as Provisional Pension for 6 months and 100% DCRG as Provisional Gratuity withholding 10% or Rs1000/- whichever is less. . Recovery if any may also be made out of the provisional DCRG
2.2. (c) If there is any enquiry pending against the employee Head Of office shall issue 100% provisional pension till the finalization of enquiry and DCRG shall be withheld till the finalization of enquiry.
- Date of commencement of pension;
- Transfer between England and India;
- Payment of Gratuities in a lump sum and not in instalments;
- Lapses and forfeiture if the pension is undrawn for one year.
- Submission of application
- Reports by the Accounts Officer
- Sanction by the AG office;
- Payment by the Treasury.
Commutation without medical not exceeding 40 % (which should be in whole rupees) of the pension is permissible if applied on form Pen 14A within 1 year from the date of retirement. Commutation of provisional pension is not permissible. A Government retired on invalid pension cannot commute pension without a medical certificate. Similarly, Commutation after 1 year from the date of retirement is not permissible without medical.
ਜੇਕਰ ਸਰਕਾਰੀ ਕਰਮਚਾਰੀ ਗੁੰਮ ਹੋ ਜਾਂਦਾ ਹੈ ਤਾਂ ਪੁਲਿਸ ਪਾਸ ਐਫ.ਆਈ.ਆਰ. ਦਰਜ ਕਰਵਾਉਣ ਦੀ ਮਿਤੀ ਤੋਂ ਇੱਕ ਸਾਲ ਬਾਅਦ ਉਸ ਦੇ ਪਰਿਵਾਰ ਨੂੰ ਪੈਨਸ਼ਨ ਗਰੈਜੂਟੀ ਆਦਿ ਦੇ ਲਾਭ ਦਿੱਤੇ ਜਾ ਸਕਦੇ ਹਨ। ਕਰਮਚਾਰੀ ਦੇ ਪਰਿਵਾਰ ਵੱਲੋਂ ਐਨਡੈਮਨਿਟੀ ਬਾਂਡ ਦਿੱਤਾ ਜਾਵੇਗਾ ਕਿ ਕਰਮਚਾਰੀ ਦੇ ਲੱਭ ਜਾਣ ਤੇ ਪੈਨਸ਼ਨਰੀ ਲਾਭ ਦੀਆਂ ਸਾਰੀਆਂ ਰਕਮਾਂ ਅਡਜਸਟ ਕਰਵਾਈਆਂ ਜਾਣਗੀਆਂ।
ਪੰਜਾਬ ਸਰਕਾਰ, ਵਿੱਤ ਵਿਭਾਗ ਦਾ ਪੱਤਰ ਨੰ. 3/44/90-2ਵਿ.ਪ੍ਰ.3/2739 ਮਿਤੀ 27.03.1991
List of authorities who exercise the powers of competent authorities e.g power to declare the period spent on training for a pension; power to sanction commercial appointment after retirement, the power to sanction commutation of pension etc.
Final Payment of GPF.
- GPF accounts of Class I, II and III were transferred by A.G. w.e.f. 1.4.89 to Punjab Government.
- Form PF 10 along with undertaking on Affidavit that in case the final payment was made excess the same will be refunded to the Government along with interest otherwise the excess payment along with interest can be recovered out of Pensionary benefits.
- Before the case for final payment is sent to competent authority it should be verified by the DDO regarding advances drawn by the Government Employee w.e.f. 1.4.1980 up to the date of retirement.
- GPF subscription can be stopped one year before the date of retirement but it must be stopped 6 months before the date of retirement.
- 90% out of GPF without assigning any reasons can be withdrawn if applied within one year before the date of retirement.
- Application for 90% advance cannot be entertained if the same was given during the period of 6 months from the date of retirement when the subscription was stopped. (Latest instructions issued by Finance Department vide his No. 2/3/909-6FPP/6650 Dated 27.9.2004.)
General Provident Fund (GPF)- detailed
What is GPF
To understand in simple language, this is a fund designed by the Govt. for its employees, the amount of which is to be advanced to them in dire need during their service and the final payment of accumulations after the subscriber ceases to be a GE to fulfil their old age need, can be called General Provident Fund.
The objective of the Fund
The fund is designed solely for the protection of a subscriber’s family against his sudden death, or if he survives until retirement, to provide both him and them with additional resources in his old age. (Annexure A to the Rules)
Constitution of the Fund
The fund shall be maintained in India and in Rupees. All sums paid into the fund shall be credited in the Books of Govt. to an account called The General Provident Fund. (13.3)
Who is to maintain the GPF accounts
Earlier the GPF accounts of the employees were maintained by the Accountant General Punjab, but w.e.f. 1.4.1978, the GPF accounts were transferred to the Heads of Offices and w.e.f. 1.4.1989, the GPF accounts have been transferred to the Heads of the Departments in the case of Class I, II, III employees (now called Group A, B & C) and they have been declared as their AMAs. (scheme dated 1.2.78 and 2.5.1989 as amended from time to time)
Who can subscribe
All temporary Govt. employee of the Punjab Government, after a continuous service of one year (except the employees appointed after 1.1.2004) contribute to the fund, governed under the Punjab General Provident Fund Rules. These include Apprentices and Probationers (13.4)
At the time of joining the fund, the subscriber shall also nominate one or more persons the right to receive the amount in case of his death, before the amount becomes payable to him. Provided, if GE has a family, he will nominate the person(s) from his family; and if persons, the share to be defined.
In the case of absence of nomination, the payment of GPF is to be made to the persons concerned in accordance with the provisions of section 3(i) and 4(I)(a) of the Provident Fund Act.
Family members can furnish affidavit duly attested in favour of one member for the payment.
The nominations files to be preserved till the completion of the audit. (13.7 read with letter dated 2.5.895.2.1991 and 2.11.1989)
Individual account to be opened
An account shall be opened for each subscriber which will show the amount of his subscription with interest thereon calculated in the prescribed manner. (13.8)
Conditions and Rates of the subscription
Monthly subscription to be paid to the fund during the service (can opt for non-subscription during suspension – and pay in instalment after reinstatement) (13.9)
The rate of subscription to be fixed by the employees himself, but it will be in the whole rupee, it will be minimum 8% of his pay (including dearness pay) and not more than his total pay. (13.10)
Can rates of the subscription be changed
On the request of the subscriber, the amount of subscription may be changed twice during the course of a year in the paid months of April and November (13.10(4)).
Status of the account during foreign service and deputation
The subscriber shall remain subject to the GPF rules in the same manner as he was not transferred or sent on deputation (13.11). Subscription to be received through challan/demand draft and Advances to those to be sanctioned by the GPF AMA)
Interest on GPF accumulations
Interest @ as specified by the Govt. From time to time is to be allowed on the balances of the fund as provided in rule 13.13. Fifty paise and above to be rounded to the next higher rupee. It is to be calculated in the following manner in the GPF ledger(13.13).
- Interest up to the 6 months can be given in case of retirements etc.
- Interest beyond a period of 6 months up to any period can be given, provided the HoD has personally satisfied after an investigation of delay and action, if any, to be taken.
- Interest shall not be credited to the account of a Muhammadan subscriber if he informs the AMA that he does not wish to receive it, but if he subsequently asks for it, it shall be credited w.e.f. the first day of the year in which he asks for it.
- When a subscriber is dismissed, removed or retired prematurely or compulsorily but has appealed against the order of removal, the balance is not to be paid until final orders confirming the decision. Interest shall, however, be paid up to the end of the month preceding in which such orders are passed.
- No interest is to be allowed on the amount of the subscriptions in excess of the actual amount due.
- Interest on missing credits to be paid from the month of the deduction up to the preceding month in which it is paid, sufficient proof of deduction to be taken.
- Interest to be paid on the normal amount of subscription deducted from the monthly salary and arrears. If an amount has been paid by the employee through treasury challan, no interest to be paid.
The Following are the GPF interest rates for The Punjab Government Employees:
|Sr. No.||Year||Rate of interest on GPF|
|13.||1979-80||8% upto Rs. 25000, 8.75% above Rs. 25000.|
|14.||1980-81||8.50% upto Rs. 25000, 8.80% above Rs. 25000.|
|15.||1981-82||9% upto Rs. 25000, 8.85% above Rs. 25000.|
|16.||1982-83||9% upto Rs. 25000, 8.85% above Rs. 25000.|
|17.||1983-84||9.50% upto Rs. 25000, 9.00% above Rs. 25000.|
|20.||1986-87||12% Bonus discontinued.|
|21.||1987-88 to 1999-2000||12%|
|25.||2003-04 to 2010-11||8%|
Advances from the GPF
Two types of advances can be allowed out of the accumulations of the GPF. Different types of advances, which can be sanctioned out of GPF, subject to the provisions of Annexure A to the GPF Rules.
- Refundable advances:
Refundable advance or a Temporary advance can be sanctioned by the AMA to the subscriber for the following purposes:-
- To pay expenses in connection with the prolonged illness of the subscriber, his family members or any person actually dependent upon him
- To pay the overseas passage for the reasons of health or education of himself or family members
- To pay obligatory expenses in connection with the marriage, funerals or other ceremonies
- To meet the legal proceedings instituted by him to prove his stand.
- To meet the cost of defence in a legal case
- To pay for the purchase of wheat for the Group D employees
Above advances are to be recovered in minimum 12 and maximum 24 instalments. In special cases, the number of instalments can be increased to 36.
Recovery shall commence from the pay of the month following one in which the advance was drawn.
The advance allowed can be disallowed, if the circumstances so warrant. In that case, the AMA will order the balance amount’s recovery and a number of instalments in which the amount is to be recovered.
Recoveries are to be treated as subscription of the subscriber. (13.15).
2. Non Refundable advances:
- Construction of House or purchase of Plot, or repayment of private loan taken for construction of a house or acquiring a house, or purchase of the house
- Construction of House on a plot purchased with GPF NRA or additions or alteration of house or repair of the house
- To deposit earnest money to the PUDA/GAMADA etc for the allotment of plot or built up a house.
- Higher education of himself or children dependent upon him
- The marriage of a daughter, or if no daughter, for any dependent female relation
- Marriage of Son
- Serious ailment in the family
- Betrothal of Daughter
- Betrothal of Son
- Self-business or business by the family member of the subscriber
- Haj Yatra
- Purchase of Car
- Purchase of Motorcycle /Scooter
- Purchase of Moped
- Purchase of Cycle
- Amount subscribed towards GIS
- Purchase of Computer
- Lap Top added vide letter dated 9.4.13
- 90% advance within one year of retirement without any purpose.
Final payment of GPF
When a subscriber quits the service, the amount standing at the credit in the fund shall become payable to him. (13.28)
- GPF subscription to be stopped 6 months ahead of the actual month of retirement by the DDO – GPF scheme letter dated 2.5.89;
- All the withdrawals (RA/NRA) drawn by the subscriber to be verified for the period from 1.4.80 to the date of retirement- Letter dated 15.11.90 & 21.11.90. Vide letter dated 20.7.2011, all verification to be done in two months and further a note on the statement of GPF that RA/NRAs verified.
- The whole account is to be recast from 1.4.89 to the date of retirement;
- The final payment of retiring employee to be given on the eve of the retirement – Letter dated 21.11.97;
- The retiree can retain his GPF balance with the Govt. After his retirement, up to 5 years and rate of interest from time to time will be given. Letter dated 21.8.2001.
- The authority/sanction will be valid for 3 months.
- Vide letter dated 3.2.2011 certain tough conditions for an advance from GPF for plot purchase, construction of the house;
- Vide letter dated 23.2.2011 utilization certificate within one month stressed;
- Vide letter dated 23.2.2011 computer advance reduced to 30000/- from 60000/-;
- Vide letter dated 23.2.2011 advance for own business stopped.
Deposit Linked Insurance scheme
On the death of a subscriber in service, the person entitled to receive the GPF is also entitled to receive an amount equal to the average amount standing to the credit of Subscriber during the last 36 months, subject to maximum Rs. 10000 /- subject to certain conditions, like 5 years regular service and fund balance in case of different categories of employees. The amount is to be drawn from the head 2235-Social security and Welfare-60-Other Social Security and Welfare Programme-104-Deposit Linked Insurance Scheme Govt. PF-01-DLI.
Final payment of GPF in case of death of the subscriber
The procedure as provided in Rule 13.30 is to be followed in case of death of a subscriber while releasing the GPF payment. (13.30).
GPF Statements are to be issued
It shall be the duty of the AMA to issue GPF statements to all the subscribers immediately after the close of the financial year and after preparing the accounts intimating his the opening balance, deposit during the year, interest allowed, withdrawals during the year and closing balance as on 31st of the year.(13.36)
Punjab Contributory Provident Fund Rules
The Punjab Group Insurance Scheme Rules
- Application of Punjab GIS scheme
- Insurance of employees
- Contribution towards scheme
- The rate of contribution;
- Payment in case of death
- Payment in case of retirement.
- Tables by the Punjab Government.
- Statements to be issued every year.
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