Eligibility criteria for opening of SSA Account in Post Offices [Clarification]

Clarification on opening of Sukanya Samriddhi Account in Post Offices has received from Ministry of Finance against the query raised by the customer.

The eligibility condition for Girl child to be a beneficiary under SSA is that she must be a Citizen of India as well as Resident Indian under the Income Tax Act, 1961. Any girl child meet the above requirements may be treated as eligible for the purpose of opening of an account under SSA Scheme.
Ministry of Finance F.No.1/3/2018-NS dated 06.08.2018

Premature Closure of SSA Account in Post Office

Sukanya Samridhdhi - SSA Account Closing procedure in Post Office before maturity / Death of Account holder

SSA Account can be closed before maturity by the competent authority only in the following circumstance 

Premature closure of account .- 

(1) In the event of death of the account holder, the account shall be closed immediately on production of death certificate issued by the competent authority, and the balance at the credit of the account shall be paid along with interest till the month preceding the month of premature closure of the account , to the guardian of the account holder. 

(2) Where the Central Government is satisfied that operation or continuation of the account is causing undue hardship to the account holder, it may, by order, for reasons to be recorded in writing, allow pre-mature closure of the account only in cases of extreme compassionate grounds such as medical support in life threatening diseases, death, etc.
Parent or Guardian is unable to continue the account in the event of death of account holder

As per the scheme, the account would mature after 21 years from the date of opening of the account and a partial amount of not more than 50% can be withdrawn after the girl attains an age of 18 years either for the purpose of higher education or marriage.

Rulings for Issuing Duplicate NSC Certificate at Post Office Counter

1. Filled Form-NC29 for the Issue of Duplicate Certificate

2. Statement showing the details of NSC– such as number, amount and the date of certificate and the circumstance attending such loss, theft, destruction, mutilation or defacement.

3. Bond of Indemnity – In case of mutilated or defaced certificates, no indemnity bond is required. But for lost, stolen, destroyed, you also need to submit bond of indemnity. You also need to furnish an indemnity bond in the prescribed form with one or more sureties or with a bank guarantee is required.

A- Bond of Indemnity (Form NC-54(a))
This form is used for issuance of a duplicate National Savings certificate(s) in lieu of lost, misplaced, spoiled or mutilated certificates.

B- Bond of Indemnity (Form NC-54(b))
This bond of indemnity is to be executed for the issue of a duplicate certificate(s) in lieu of lost, misplaced, spoiled or mutilated certificates with a Bank guarantee.

C- Bond of Indemnity (Form NC-61)
This bond of indemnity is to be executed at the time of discharge of original certificates or Issue of duplicate certificate(s) in lieu of lost, misplaced, spoilt, destroyed, defaced or mutilated certificate (s), where original application for purchase is missing.

4. Copy of FIR – If the Certificate is lost, stolen, destroyed.

5. Identification Document of Surety – e.g. Valid Indian Passport, Indian Driving License, Salary Certificate of the Surety.

6. Payment Receipt of Fees for Issue of Duplicate Certificates (Fee Rs.5)

If the officer-in-charge of the post office of registration is satisfied of the loss, theft, destruction, mutilation or defacement of the certificate, he shall issue a duplicate certificate on the application.

Things you should Know

A duplicate NSC certificate shall be treated as equivalent to the original certificate for all the purposes of these rules except that it shall not be encashable at a post office other than the post office at which such certificate is registered without previous verification.

Death Claim Settlement Process for Savings Bank and Savings Certificate

Procedure on Death claim Settlement process for SB & SC

Changes with effect from 01.01.2011 for SB, RD, TD & MIS
Death claim of Saving Bank accounts( SB, RD, TD, MIS, SCSS, PPF, SSA) or Savings Certificates in Post Offices are clearly explained in the below images
Claim sanction limit and sanctioning authority is listed in the below image

Streamlining debit entries in Office Account 0382 for Outward Cheque Clearance

Dear all, 

I am directed to convey the following

This is regarding the Interim solution for the issues reported on account of streamlining debit entries in office account 0382. 

Post offices were not able to open new accounts or subsequent deposits due to following reasons.

1. POs where cheques were cleared and credits available in 0382 office account , but the debit balance was made zero on 21/01/2019 for the office account ( 0382).

2. POs where cheques were not lodged but office account 0382 was debited directly for opening new account and subsequent deposits. These POs have not followed the mandated cheque clearing process.

Though instructions were given to utilise the credits in 0382, many SOLs have failed to open new accounts / subsequent deposits for the credits which were available in 0382.

It is seen that many HOs are not using zone operations for cheque clearing. POs are directly debiting funds after cheques are cleared. Validations have been built to restrict transfer in CXFER. POs are requested to follow cheque clearing process scrupulously to ensure that sufficient funds are available in office account 0382 after regularisation of cheques. It is seen that only 3876 SOLs have credits in 0382 and 157 SOls are having credits in 0017 through zone operations for the month of January 2019.

It is suggested that the concerned HOs can lodge the cheques once again and credit 0382 account post approval of the concerned Division. These relodged cheques should not be sent to clearing house again as these cheques have already been accounted. We can allow this re-lodging till 29/01/2019. SOLs can regularise the zone and cheque amount can be utilised for deposits/account opening with the original clearing date as value date. This will also ensure that the SOLs under scenario 2 explained above, will commence zone operations and proper utilisation of 0382. Divisions to ensure that relodging is completed before 29/01/2019.

Cheques pending for account opening/subsequent deposits to be consolidated and lodged on same day after approval from Divisional head. It is responsibility of the POs to ensure that only those cheques which are cleared and accounted already but not utilised for account opening/subsequent deposits to be lodged again.

Please revert in case of any issues.

This has the approval of DDG FS sir.

Thanks and Regards...

Gopinath S
Inspector Posts
Data Migration Command Centre(CBS)
Chennai 600 002

Addendum II SB Order 06/2016 : Change in procedure on issue/discharge of KVPs and NSCs - dated 21.01.2019

Change in procedure on issue/discharge of Kisan Vikas Patras/ National Savings Certificates NSCs
Click to View PDF : Download addendum II

Reference: SB Order 06/2016

PMSBY Claim form and SOP for claim settlement


Following benefits are available under PMSBY: 

The process followed will be as under:

Steps to be taken by the Nominee in case of death of depositor in accident:

1. Nominee should approach CBS Post Office where the depositor was having the ‘Savings Bank Account’ through which he / she was covered under PMSBY and collect Claim Form, and Discharge receipt, from the Post Office.
2. Nominee to submit duly completed Claim Form, Discharge Receipt, along with the death certificate in original, FIR/Panchnama in original and Post Mortem Report.
3. Nominee has to provide his/her own Post Office Savings Bank Account details (if opened in any CBS Post Office or Nominee will first open savings account) or bank Account details (if nominee is having savings account in any Nationalized Bank).

Steps to be taken by the Depositor in case of permanent disability in accident:

1. Depositor should approach CBS Post Office where the depositor was having the ‘Savings Bank Account’ through which he / she was covered under PMSBY and collect Claim Form, and Discharge receipt, from the Post Office.
2. Depositor to submit duly completed Claim Form, Discharge Receipt, along with the permanent disability certificate in original by Civil Surgeon and FIR/Panchnama in original. 

Steps to be taken by the Post Office

1. Upon receipt of claim form and discharge certificate alongwith documents mentioned above, the Post Office should check whether the cover for the said member was in-force on the date of his death, i.e., whether the premium for the said cover was deducted from account prior to the Member’s death.

2. Post Office to verify the Claim Form & the nominee details from the relevant Finacle menu through which enrolment was made and to fill in the relevant columns of the Claim form.

3. Post Office should ensure that following documents are attached with claim form:-
(i) Claim Form duly completed
(ii) Death Certificate (in case of death)
(iii) FIR/Panchnama in Original
(iv) Post Mortem report (in case of death)(v) Permanent Disability Certificate issued by Civil Surgeon
(vi) Discharge Certificate duly completed.
(vii) Photocopy of cancelled cheque of the Nominee account (if it is a cheque account).

4. Post Office user will enter relevant details in Finacle menu CCSPMY
The screen shots of menu – CCSPMY
Criteria Page – CCSPMY (Claims and Settlements for PMY Policies)
In the criteria page of CCSPMY menu following functions are provided –
A – Add
M – Modify
V – Verify
I – Inquire
C – Cancel

5. Post Office User has to select the function ADD. Then enter Account ID and select the scheme as PM Suraksha Bima. Click on GO. In case of permanent disability, user will change the option of Existing Disability Status as Yeas and fill details of disability in the relevant field.
Following screen will appear:-
6. User has to enter Nominee Aadhar No. (if given), Nominee Address, Nominee Mail ID(if given), Nominee Mobile Number (if given), Nominee PAN No.(if given), Nominee Bank Account (either POSB or any Bank Account), Nominee IFSC Code (if having account in Bank), Guardian name if Nominee is minor, Nominee Date of Birth (if nominee is minor), select Bank as DOP (if POSB Account) or others if other Bank Account.

7. User will click on validate and ensure that all mandatory fields are filled. It will submit documents to Supervisor.

8. Supervisor will select Function Code Verify and compare all the information filled in claim form and discharge voucher with the data filled by user. After, satisfaction, he will verify the claim. Upon verification, Claim Identification No. will be displayed by the system. This number should be noted on the top of the Claim Form and the claim register.

9. Claim Form duly filled and verified by CBS Post Office alongwith enclosures should be sent to Sr.Post Master Sansad Marg HO, New Delhi 110001 by service registered Letter. One RL should be sent even if more than one claim form is due to be sent on same day.

10. User will also maintain a claim register in which the claim shall be entered. This register has to be prepared manually by entering Date of entry of claim/Account ID/Name of Account Holder/Date of Death/Name of Nominee/Claim Identification No. (generated by system)/ Date on which claim Form sent to Sansad Marg HO/Registered Letter receipt to be pasted against claims sent on a particular date.

11. Snasad Marg HO, on receipt of claim form will enter the claim in the register to be maintained manually and designated PA of this HO will intimate System Manager for extraction of the data from Finacle for the said claim. Data extraction file will be sent to NIC by Sansad Marg HO and all the claim forms received will be sent by service Registered Parcel to the designated branch of NIC. 

12. NIC, after sanctioning of the claim will push credit of the claimed amount into Bank Account of the depositor or nominee as the case may be if account stands at any Bank or Credit the funds toSansad Marg HO Bank Account No._________________ IFSC Code_______________________ if depositor or nominee account is in any CBS Post Office. NIC will provide data file in the format of
HTTUM to Sansad Marg HO. Snasad Marg HO will upload the HTTUM file in Finacle provided that
funds are already received and account for the money in SB Deposit and Remittance to Bank (against
credit entry received from NIC).

13. Sansad Marg HO will make entry of date of credit against the claims in the register and send intimation to the relevant CBS Post Office about the credit.

14. Relevant CBS Post Office will make entry of date of credit in its register and inform the claimant
over phone about the credit. No accounting entry is to be made in any other CBS Post Office.

Click below link to download application form and Claim Settlement SOP