POST OFFICE GUIDE PART I

SECTION I – GENERAL

Total Number of Circles -- 23

Sl.No Name of the Circle Administrative Jurisdiction Name of the Head
quarters
1 Andhra Pradesh Andhrapradesh Vijayawada
2 Assam Assam Guwahati
3 Bihar Bihar Patna
4 Chattisgarh Chattisgarh Raipur
5 Delhi Delhi Ne Delhi
6 Gujarat Gujarat,daman & Diu ,Dadra Nagar Ahmedabad
Haveli
7 Haryana Haryana Ambala
8 Himachal Pradesh Himachal Pradehs Shimla
9 Jammu Kashmir Jammu Kashmir Srinagar
10 Jharkhand Jharkhand Ranchi
11 Karnataka Karnataka Bangalore
12 Kerala Kerala and Lakshwadweep Trivandrum
13 MadhyaPradesh Madhyapradesh Bhopal
14 Maharashtra Maharashtra and Goad Mumbai
15 NorthEastern Arunachal Pradesh, Manipur, Shillong
Mizoram,Meghalaya, Nagaland and
Tripura
16 Orissa Orissa Bhubaneshwar
17 Punjab Punjab & Chandigarh Chandigarh
18 Rajasthan Rajasthan Jaipur
19 Tamilnadu Tamilnadu and Pondicherry Chennai
20 Telangana Telangana Hyderabad
21 Uttarpradesh Uttarpradesh Lucknow
22 Uttaranchal Uttaranchal Dehradun
23 West Bengal West Bengal& Andaman Kolkata
Nicobar,Sikkim

1.Who is the administrative control of the postal department ?

(a) Director of Postal Services (b)Director General (Postal)
(c )Chief Postmaster General (d)Deputy Director General Ans : ( b )
2. Who is the chairman of Postal Board and the Secretary of Department of Posts ?
(a) Director of Postal Services (b)Director General (Postal)
(c )Chief Postmaster General (d)Deputy Director General Ans : ( b )
3. Who is the head of the Army Postal Services?
(a) Director of Postal Services (b)Director General (Postal)
(c )Chief Postmaster General (d)Addl.Director General,APS,NewDelhi Ans : ( d )
➢ One base circle named as Armed Postal Service Corps for providing postal services to
Armed Forces functioning at Ne Delhi.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ The purpose of Base Circle is to cater the postal communication needs of Armed Forces.
4.The Head of Postal Circle is
(a) Asst.Postmaster General (b)Director of Postal Services
(c ) Postmaster General (d)CPMG Ans : ( d )
5.The working of all post offices under Postal Divisions is directly controlled by
(a) The Postmaster (b)Inspector Posts
(c ) Postmaster General (d)Superintendent of postoffices or SSPOs Ans : ( d )
6.PostOffice is divided into 3 classes excluding
(a) Head PostOffices (b)S.Os including E.D.SOs
(c )SOs excluding E.D. SOs (d)E.D.Branch PostOffices Ans : (c )
7.To the addressee of Army Post Offices ,these articles will not be booked
(a) Value –Payable articles (b)Money Orders
(c )Both (a) and (b) (d)None of these above Ans : ( d )
(Previously Money Orders and VP articles were not booked to Army Post Offices. Now they
are booked to Army Post Offices)
8.A Post Ofifce which is also opened on Sundays and Holidays is called
(a) Mobile Post Office (b)Head Post Office
(c )Night postoffice (d)Branch post Office Ans : ( c )
9.Night Post Office works upto 8.30 PM on normal working days.
10.Working Hours of Night Post Offices are fixed by Head of the Circle and extended by Director
General.
11.Mobile Post Offices book Insured Parcels and Mobile Post Offices at Nagpur and Madras are
permitted to book Money Orders.
12.Post Ofifces in charge of ED agents are kept open for maximum of
(a) 4 hours (b)5 hours (c )6 hours (d)7 hours Ans : ( b )
13.Post Offices observe 17 holidays in a year. Out of which
* 14 holidays are observed compulsory in all the circles
* 3 holidays vary from circles to circles
14.Hours of Business of a Post Office and RMS Office shows the hours during which business is
transacted with the public and the time at which mails are delivered and dispatched.
➢ Registered newspapers and packets of registered newspapers are accepted on Sundays
and PO holidays without payment of any late fee in Press Sorting Offices,R.M.S Offices
and at Night Post Offices.
➢ Overseas orders are executed at the Indian Philatelic Bureau,Bombay G.P.O,Bombay.
15.Impressions of ‘frank’ consists of
(a) Value Die and License Die (b)Value Die and Credit Die
(c )Credit Die and License Die (d)None of these Ans : ( a )
16.Commission permitted on value of franks issued is
(a) 1 % (b)1 ½ % (c )2 % (d) 3 % Ans : ( b )
17.The License to the Franking Machines are issued by Superintendent of Post Office or Senior
Superintendent of Post Offices.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

18.The meters available in Franking Machine are Ascending meter and Descending meter.
19.Franking machine must be obtained only from a firm authorized by Director-General ,Posts.
20.Machine Franked articles can be posted at not more than 2 offices specified by SPOs in license.
21.Machine franked articles posted in letter boxes are treated as Unpaid articles.
22.There will be One impression of license die on franked article.
23.License fee for Franking Machine is Rs.375/- for five years and Rs.75/- per year.
24.Impressions of franking machine must be in blue colour.
25.Rebate allowed on franked postage is 3%. Error on franking impression the refund will be
claimed by firm/institute within One Month and 5% of less deduction.
26.Franked articles bearing previous or later dates are treated as Unpaid articles.
➢ Franking meter reset will be made by PRIP and above status official.
27.Who is authorized to issue sanction for prepayment of postage in cash?
(a) Head of the Region (b) Head of the Circle
(c )Head of the Division (d)None of these Ans : ( b )
28.Prepayment of postage is accepted in case of large number of articles subject to a minimum of
500 articles in large cities and 250 articles in small cities.
29.The Special registration envelopes provided by the post office,can be used for the transmission
of
(a) Unregistered articles (b) Registered Articles
(c )Both (a) and (b) (d)None of these Ans : ( b )
30.Stamps other than postage stamps affixed on the postal article
(a) will be cancelled by date stamp (b) will be cancelled in red ink
(c )Will not be cancelled (d)None of these Ans : ( c )
31.The manufacture and use of fictitious stamps is prohibited and it is an offense punishable
under Section 263-A of Indian Penal Code.
➢ QMS articles should bear full PIN below the name of the town of destination.
32.One envelope weighing 20 grams on which a pictorial reproduction of a postage stamp of
Rs.5.00 is found in the letter box. How this article is treated?
(a) The article is taxed for rs.10/- and forwarded to he addressee
(b) The article is taxed for Rs.10/- and returned to sender
(c )The article is returned to the sender. (d)None of these Ans : ( b )
33.Stamps should be affixed to Right Hand top corner of address side.
34.Senders address should be written in the bottom lower left hand corner of the address side.
35.While prepaying postage charges, the public are advised to use
(a) a large number of low value stamps (b) low and high value stamps
(c )Minimum numbers of stamps by using postage of appropriate higher denominations
(d)None of these Ans : ( c )
36.In case of article addressed to foreign countries,address should be written in Roman letters
and Arabic figures.
37.Mails for Navy Personnel on board I.N.S ships should be addressed c/o Fleet Mail
Ofifce,Bombay.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

38.Which of the given letters are delivered in normal course ?
(a) Letters addressed to a mail office (b) Letters marked ‘ Post Restante’
(c )Letters marked to c/o Postmaster (d)All the above Ans : ( d )
39.Who can apply for recall of article or alteration of address?
(a) Sender (b) Addressee of an article (c ) Any person known to PostOffice (d) None
40.Fee for recall of inland article is Rs.6/- per each article and is collected in the form of Postage
stamps.
➢ The Postmaster/Sub Postmasters are authorized to permit recall of articles vide
D.G.Letter No.232/88CJ dated 31.8.1990.
41.A customer posted four articles at the same time and at the same post office to the same
addressee for delivery in India. What fee will be paid by the customer for recall of four articles?
(a) Rs.6.00 (b) Rs.12.00 (c )Rs.24.00 (d)Rs.250.00 Ans : ( a )
42.Delivery of registered or insured article addressed to a pardanashin woman is delivered to the
witness known to the postman after obtaining signature of the pardanashin woman.
43.The maximum weight of parcel through postman is up to 10 kg.
44.A parcel which does not exceed 10kg in weight will be sent for delivery
(a) Twice (b) Once (c )Regularly for five days (d)All of these Ans : ( b )
45.Home delivery fee is charged @ Rs.5.00 on a parcel having weight more than 5 kgs .
46.Insured article, Custom duty articles of value above Rs.500/- will be delivered at Post Office
window duly sending intimation to the addressee.
47. Insured article, Custom duty articles of value not exceeding Rs.500/- will be delivered
through Postman.
48.On presentation of an insured article for delivery, the addressee or his authorized agent must
sign the receipt and acknowledgement.
49.The inventory of a tampered insured article is prepared in Duplicate copies.
50.Only fully prepaid Unregistered articles will be delivered through Post Boxes and Post Bags.
51.Post Box is a system of delivery of postal articles in a bag to the renter in a locked condition.
52.Renter will supply the lock and duplicate keys for the Post Bag.
53.The renter is responsible for safe custody of key of post box given on rent to the renter.
54.Rent for post box or post bag in a financial year is Rs.150/-
Rent for post box and post bag together in a financial year is Rs.250/-
Rent for post box or post bag in a quarter (3 months) is Rs.50/-
Rent for post box and post bag in a quarter is Rs.80/-
➢ The period of rental of a post box commences from the first day of the month in which
the post box is allotted.
➢ The period of renewal of rental commences from the first day of the month immediately
succeeding the period of previous rental.
➢ If he lock and key are not surrendered by the renter to the Postmaster within 15 days of
the expiry of the period of rent or the renting of the box is not renewed within the
aforesaid period , the deposit will be forfeited.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

55.What amount will be taken from a customer for a financial year when he takes a post box on
rent in November?
(a) Rs.50/- (b)Rs.100/- (c)Rs.150/- (d)Rs.200/- Ans:( b )
➢ Instructions received from addressee authorizing the post office to deliver the articles or
pay money order to persons other than themselves should be treated as lapsed after a
time limit of 3 years unless renewed within that time.
56.The following are treated as ‘’Post Restante’’
a) Articles Superscribed ‘’ To be kept till called for’’,’’To wait arrival’’ and articles
addressed to ‘’Post Office’’
b)Post Restant facility may be used by travelers for not more than 3 months.
c)Post Restante article except Value Payable article is kept in post office to which it is
addressed for a period not exceeding one month.
d)Post Restante article can only be redirected at post office to which the article is
addressed.
e)It is intended solely for convenience of Strangers and travelers.
57. Insured article and Money Orders addressed/payable to the students can also with the
approval of Head of the circle be paid to the Head of Educational Institution on his executing an
Indemnity bond.
58.Office of Posting means delivery post office which serves the address of the sender.
59.All the complaints should be addressed to Divisional Superintendent and complaints relating
to Unpaid and Insufficiently prepaid will not be accepted .
60.Head Postmaster will issue Postal Identity Cards and only literate persons whose identity is
well established in the locality in which they reside can have the PO identification card..
61.PO identification card is valid for 3 years only and fee for issue of Identification cards is Rs.9/-.
62.Fee for redirection of Registered Letter is Free and fee for redirection of inland parcel is 50% of
value of postage.
63.What is the penalty for breach of condition when the article is reposted after having opened or
reposted at any place other than the place a which it was delivered?
(a) Free (b) full postage as if posted for the first time
(c ) half of the prepaid postage (d ) None of these
64.Instruction for change of address is valid for three months and Instructions other than he
change of address is valid for three years.
65.Time limits for preferring
Complaints relating to V.P articles 6 months from date of issue
Complaints relating to money orders 12 months from the date of issue
Complaints relating to Registered and Insured 3 months from the date of posting
articles
Complaints relating to compensation in respect of 3 months from the date of posting
insured articles
Complaints regarding miscarriage,loss or 12 months from the last day of month of
destruction of postal orders issue

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

Complaints relating to unregistered inland articles 6 months from the date of incident
66.Articles addressed to deceased persons are ordinarily dealt within the same manner as
Unclaimed articles
67.Legal responsibility of PostOffice means that the Indian Post Office is exempted by all law
from all responsibilities in case of loss,mis-delivery or delay of,or damage to,any postal articles
in course of transmission by post.
68.The value of unused items of postage stamps or stationery are normally not refunded or
exchanged for other denominations of kinds of stamps or stationery.
69.The minimum amount of cheque accepted by the post offices is Rs.20/-.
70.When last day for payment of Postal dues or for receipt of sums due from post office falls on a
Sunday or pos office holiday, the next working day shall be taken as the last day for such
transactions.
71.Certificate of Posting was discontinued w.e.f 31.01.2011
72.The registered articles addressed to firms can be delivered through Special Lists.
73.Prohibition on sale of Postage stamps will not apply to Philatelic agency,a hospital,
sanatorium or other similar institution and an institution for recreation of Defense Services
Personnel.
74.The license for sale of stamps should be addressed to the Divisional Superintendent.

SECTION II – LETTERS AND PARCEL POST

There are 10 classes of Postal articles
First Class mails (3 categories):-
a) Letters b)Post Cards c) Letter Cards
Second Class mails(7 categories) :-
a)Book and Pattern packets b)Book packets containing printed books
c)Book packets containing periodicals d)Registered Newspapers
e)Blind Literature Packets f)Sample Packets g)Parcels
First class articles are given free air transmission whereas Second class articles are forwarded by
air if they are provided with requisite air surcharge.
75.What is the maximum weight of a letter ?
a)not more than 5 kg b)not more than 2 kg c)not more than 10kg d)not more than 20kg
76.How much unpaid and insufficiently paid letters charged on delivery ?
a)with single amount of deficiency b)with double the deficiency
c)with half amount of deficiency d)none of these
77.Weight of privately printed letter card should not exceed
a)3 grams b)5 grams c)2 grams d)10 grams
78.Inland letter card posted unpaid is charged on delivery with ……..the postage , and a letter
card posted insufficiently prepaid is charged on delivery with …….the amount of the deficiency.
a)Double,Double b)Same amount as ,same amount as
c)Triple , Triple d) Same amount as,Triple
79.The use of inland letter card for communication to foreign countries is allowed in case of

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

a)Pakistan & Nepal b)Bhutan c)Srilanka d)None of the above
80………..must display title’’Postcard’’ on address side
a)Privately manufactured single cards b)Privately manufactured reply cards
c)Both of the above d)None of the above
81.Which of the following is not prohibited w.r.t Post cards?
a)Folding b)Altering c)Perforation of impressed stamp d)All the above
82. Inland letter card used for communication to foreign countries except Pakistan and Nepal are
treated as
a) Fully prepaid letter cards b)Unpaid letter cards
c)Insufficiently paid letters d)Insufficiently paid letter cards
83.Size of departmental post card and private post card is 14 cm x 9 cm
84.When the conditions for posting ILC is infringed ,it will be treated as ……………and
……….deficiency will be recovered.
a)letter,double b)letter,single c)None of these
85. When the conditions of size and thickness for posting post card is infringed ,it will be treated
as ……………and ……….deficiency will be recovered.
a)letter,double b)letter,single c)None of these
86.Extra charged levied for quick mail service is
a)2 times of ordinary postage b)1 ½ times of the ordinary postage
c)2 ½ times the ordinary postage d)No extra charge is levied
87.Post card with prepaid postage of Rs.0.25 is charged on delivery as follows :
a)Rs.0.50 b)Rs.1.00 c)Not to b e charged d)None of these
88.An embossed post card having written communication on the address side portion is charged
on delivery as follows:
a)Not to be taxed b)Rs.1.00 c)Rs.4.50 d)None of these
89.Insufficiently paid postcard of private manufacturer is taxed double the deficiency subject to
minimum of one rupee.
90.Businedd reply service is a facility under which a person can obtain a reply from his client
without making him pay the postage.
➢ Head of the Division(SPOs) is the competent authority to give permission for Business
Reply cards and envelopes.
➢ The fee for permit that shall be recovered from the applicant in advance is as follows
1st April to 30th June - Rs.200
1 July to 30 September
st th - Rs.150
1 October to 31 December -
st st Rs.100
1 January to 31 March
st st - Rs.50
➢ Handling charges per article in Business rely service is Rs.1.00
➢ ‘’ No Postage stamps necessary in , if posted in India ‘’ and ‘’Postage paid will be
paid by the addressee ‘’ are the words instituted on the Business Reply
Cards/Envelop.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ Infringement of any of the conditions will render the Business Reply Card or
Envelop liable to be treated as an Unpaid Letter.
➢ License of Business Reply Service is to be renewed every year in the month of
March.
➢ Fee for renewal of Business reply Service is Rs.200
91.Maximum weight of Book Packet and book packet containing printed books,book packet
containing periodicals is not more than 5kg.
92.Maximum of Sample and pattern packet is not more than 2kg.
93.How as sample packet weighing 80 grams with postage of Rs.4.00 prepaid is charged on
delivery ?
a)Rs.6.00 b)Rs.3.00 c)Rs.4.00 d)None of these
94.What is the postage required for Book packet containing 10 marriage invitation cards weighing
180 cards ?
a)Rs.13.00 b)Rs.40.00 c)Rs.2.00 d)None of these
95.Blind Literature packets are exempted from payment of following fee
---Registration fee
---Postage
---Fee for acknowledgement
---Fee for attested copy of receipt
*Postage free blind literature packets will be transmitted by Surface Route only and airmail
charges are to be paid if they are sent by air.
*Blind Literature packets should bear ‘’Literature for blind’’ on the outside the inscription.
*Maximum weight of Blind Literature packet is not more than 7 kg
96.Divisional Superintendent of PostOffices is competent authority to register the Registered
News papers.
*News papers are to be posted at the place of publication.
*CPMG/PMG is the competent authority to issue license for posting of Registered Newspapers
without prepayment of postage.To have this facility minimum of 500 copies are to be posted at a
time.
*At the time of registration of publication as Registered Newspaper,the publisher is required to
submit a list of 50 bonafide subscribers.
*To get the benefit of concessional rate of ‘Book Packet containing periodicals’ the registration
number should be printed either on the first page or last page
*The copies of Registered Newspaper to be posted are to be handed over at PO window
alongwith an invoice in duplicate.
*Registered Newspaper articles are treated in sorting a First Class mails with no free air lift
*Registration of Newspaper is valid for 3 calendar years ending with 31st December of the third
year.
*Registration and renewal fee for Postal registration of newspapers is Free
*Fee for renewal of postal registration of newspapers if the application is received after 30th
September but before 31st December of the year is Rs.50.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

*Late fee for renewal for postal registration of newspapers if the application is received after
validity period of registration is Rs.100/-.
*Registered Newspapers bill at office of posting (MS-85) is prepared Fortnightly
*Postage due on Registered newspapers without prepayment of postage will be adjusted twice a
month on 16h and 1st of next month.
97.Maximum weight of an unregistered parcel is 4kgs.
98.Maximum weight of a registered parcel is not more than 20 kgs.
99.Maximum weight of the parcel addressed to a Branch Post Office or booking at a Branch Post
Office is 10 kilograms
➢ The D.G may in special circumstances,prescribe a lower limit of weight for book packet
for and from any particular Post office.
100.Only one personal communication article is allowed inside a parcel.
➢ The length of parcel should not exceed 1 metre and the length and girth combined should
not exceed 1.80 metres.
101.What are the items that can be sent by parcel post?
a)other than letter b)Anything except article the transmission of which is prohibited
c)Anything d)none of these
102.What is the procedure for posting of inland unregistered parcel?
a)It should be posted in the office letter box only
b)It should be handed over across the counter
c)It can be posted in any letter boxes d)None of these
103.Any parcel found in the letter boxes will be treated and charged as Registered Parcel
104.The article that can be registered at any post office for transmission by post to any other post
office
a)First class mails b)Second Class mails c)Only first class mails d)Both (a)&(b)
105.What is the extra charge for bulk booking for special journal?
a)Rs.0.50 b)Rs.1/- c)Rs.2/- d)No Extra
106.Minimum number of 10 registered articles booking for application of Special registered
journal.
107.Branch Postmaster can book the insured article upto Rs.600/-
108.In all the Post Offices,the articles can be insured.
109.Maximum limit for which insured article containing currency notes can be booked at
Departmental Sub Post Office is Rs.20,000/- and other than currency notes is Rs.1,00,000/-
110.Which document should be attached alongwith VP article at the time of booking ?
a)VP MO form b)Ordinary MO form c)Registered acknowledgement d)All
111.Maximum limit of VP article booked in a Departmental Office is Rs.5,000/-
112.VP article can be detained for 7 days following the date of its first presentation or date of
delivery intimation.
113.Demurrage fee per day for VP letter is Rs.2.00 and VP Parcel is Rs.3.00
114.No extra charge is levied from the firms and other institutions for granting bulk booking
facility of V.P articles .

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 AIRMAIL SERVICE
➢ All First class mails and Money Orders are given free air transmission without payment of
any additional air fee.
➢ Other classes of mails viz., Book , Sample and pattern packets , registered newspapers,
Blind Literature Packets and parcels will be required to be paid with the requisite air
surcharge if they are given air transmission.
➢ All Surcharged air mail articles must bear the prescribed Blue Air Mail Label available at
the Post Office on the top left hand corner on the address side.
REGISTRATION
➢ Letters, Letter Cards ,Postcards ,Book and pattern packets ,Blind Literature Packets,
parcels ,newspapers prepaid with postage at newspaper rates of postage may be
registered at an post office transmission by post to any other post office.
➢ For convenience of firms and other institutions posting atleast 10 registered articles daily ,
a special procedure has been evolved and there is no extra charge for this facility.
Permission will be given by SPOs on application by the parties.
➢ The sender of a registered article may obtain an attested copy of original receipt signed by
the addressee on payment of the prescribed fee provided that he makes an application for
it within Six Months of the date on which the address signed the original receipt.
➢ Compensation may be granted to the sender by Head of the Circle at his request solely as
an act of grace and not in consequence f any legal liability upto a limit of Rs.100 for loss of
any inland letter , packet or parcel.
➢ The application for compensation shall have been made within three months of the date
of posting of the article in case of loss of the article.
➢ The application for compensation shall have been made within One month of the date of
delivery of article in case of loss of the contents or damage.
➢ No Compensation will be given on account of postage, registration or packing charges.
➢ Registration is obligatory in case of
• Any parcel exceeding 4 kilograms in weight.
• Any insured article
• Any parcel addressed to a place for which a customs declaration is required.
• Any article containing postage or other stamps or labels or a cheque , Hundi,Bank
Notes ,Bank post bill , bill of exchange.
• Any article which is reposted after having been delivered
• Any Value payable article.
• Any article bearing the word Registered or any other word ,phrase ,mark to the
like effect ,written or impressed on the cover.
➢ If fee paid for registration has been partly prepaid , twice the difference between the fee
payable and the amount actually paid will be levied.
➢

➢ legal responsibility of post office is exempted from

a) Any fault by induvidual

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 b) Loss, mis delivery or delay of , or damage to, any postal article in course of
transmission by post
c) wrong payment or delay in payment by foreign postal administration of money
order issued in India.
➢

➢ Article addressed to deceased person

a) Delivery such articles to any near relative of the deceased who may have applied
for them in case uninsured article.
b) Delivery such articles to any near relative of the deceased who may have applied
for them in case do not appear to contain any valuable property
c) Delivery such articles to any near relative of the deceased who may have applied
for them in case no counter –claimant or likelihood of dispute.

SECTION III
OFFICIAL POSTAL ARTICLES
115.Government officials who are on leave or have retired from the service are entitled to use
service stamps .
a)The statement is correct b)The statement is incorrect
c)It is the discretion of the postmaster concerned
116.Postmaster or the other authorized officer of office of delivery is authorized to alter the
amount of postage due as entered in the figure on official postal article.
117.D.G Posts is entitled to the privilege of special bags and camp bags.
118.All the CPMGs of the circles are not entitled to enjoy the privilege of Special bags while they
are on tour.
119.Tour programme of President and his council of Ministers for closing camp bags /special
bags will be sent to DG(Post),New Delhi
120. Tour programme of Governor of a State for closing Camp bags will be sent to Concerned
Head of the Circle
121. Tour programme of DG(Posts) for closing Camp bags will be sent to All Heads of the Circle
122.The postage chargeable on the delivery of official postal articles when the postage is
insufficiently paid is equal to the deficiency.
123.The official postal sample packet posted by primary health unit weighing 70 grams bears no
postage affixed on it,will be charged on delivery as follows:
a)Rs.7.00 b)Rs.14.00 c)Need not taxed d)No postage is required
124.Camp bag of higher officers booked as Letter mail will be charged as
Letter mail charge + Registration charge
125. Camp bag of higher officers booked as parcel will be charged as
Letter mail charge + Registration charge+Incidental Charge
126.How many labels are used in camp bag ?
a) One b)Two c)Three d)Four
SECTION IV
PROHIBITED ARTICLES

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

General Prohibitions for transmission by Inland Post
----Anything which is sent in contravention of any enactment for the time being in force.
---Anything indecent or obscene article
---Anything explosive,inflammable,dangerous,filthy,noxious or deleterious substance.
---Any sharp instrument not properly protected.
----Gold Coin or bullion exceeding the value of Rs.1,00,000.
127.One person wants to send a pistol to his friend by INDIA POST choose the correct option
a)He is allowed as any thing can be sent through post
b)He has to book such article under insured article
c)No.This article is prohibited for transmission
d)None of these.
128.Mr.Raman scientist wants to send RDX in INDIA POST.Can it be allowed?
a)He is allowed as any thing can be sent through post
b)He has to book such article under insured article
c)No.This article is prohibited for transmission
d)None of these.
129.Which of the following is prohibited between Port Blair and Nancowry?
a)Skins and features of birds b)Coca leaves and hemp
c)Atropa Belladona d)Icerya Purchasi
130.Which of the following is prohibited between Kutch and an other place?
a)Skins and features of birds b)Coca leaves and hemp
c)Atropa Belladona d)Icerya Purchasi

SECTION V
MONEY ORDERS AND INDIAN POSTAL ORDERS
131.The maximum amount for which a single money order may be issued under eMO
a)Rs.2,000 b)Rs.5,000 c)Rs.20,000 d)Rs.50,000
132.What is the cost of eMO form?
a)Rs.0.25 b)Rs.0.50 c)Free d)Rs.1.00
133.The person who sends money by means of money order is called
a)Payee b)Addressee c)Remitter d)None of these
134.The person named in money order as the person to whom the money order is to be paid is
called
a)Payee b)Addressee c)Remitter d)None of these
135.How many denominations are there in Indian Postal Orders?
a)6 b)7 c)8 d)10
(IPOs are available in denominations Rs.1/-,Rs.2/-, Rs.5/-, Rs.7/-, Rs.10/-, Rs.20/-, Rs.50/-,
Rs.100/-)
136.What is the rate of commission for an Indian Postal Order of denomination of Rs.1/-,Rs.2/-,
Rs.5/-, Rs.7/-, Rs.10/-?
a)Rs.1/- b)Rs.2/- c)3/- d)Rs.5/-

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

137. What is the rate of commission for an Indian Postal Order of denomination of Rs.20/-?
a)Rs.1/ b)Rs.2/- c)3/- d)Rs.5/-
138. What is the rate of commission for an Indian Postal Order of denomination of Rs.50/-?
a)Rs.1/ b)Rs.2/- c)5/- d)Rs.7/-
139. What is the rate of commission for an Indian Postal Order of denomination of Rs.100/-?
a)Rs.5/- b)Rs.7/- c)10/- d)Rs.20/-
140.The currency of I.P.O is 24 months from the last day of the month in which the order was
Issued.
141.The Second commission of IPO is necessary when a IPO is presented after 24 months but
more than 36 month from the last day of the month in which the order was issued.
Second Commission is payable in the shape of postage stamps affixed in the back of IPO.
142.Broken amount is paid in an IPO by affixing not more than four unused postage stamps to
the total value of which must be less than Rs.3/- may be affixed on the face of IPO of all
denomination except IPO for Rs.100/-.
143.The counterfoil of IPO is kept in the safe custody of the purchaser because it facilitates
enquiry in the event of the order being lost.
144.Applications regarding miscarriage,loss or destruction of Postal Orders are to be made to 1st
Class Postmaster or SPOs/SSPOs
145.A crossed postal order can be paid through bank or POSB Only.
SECTION VI
PHILATELY
➢ M.George Herpin coined the word ‘Philately’ which is literally means ’’ a lover of
taxation’’
➢ Philately is rightly called the king of hobbies and the hobbies of king.
➢ World’s first stamp Penny Black was issued in 1840 in England.
➢ It portraits the Queen Victoria. It is in Oval Shape. Its value is one pence.
➢ It was designed by Sir Ronald Hill and he is the Father of Postage Stamps.
➢ India’s first stamp Scinde Dawk was issued in 1852.
➢ Definite stamps :-They are used for day-to-day postal mailing purposes and they are
printed again and again.
➢ Commemorative stamps :- They are issued,as the name suggests,commemorating
important events,prominent personalities in various fields,aspects of nature,beautiful or
rare flora and fauna, environmental issues,national/international issues,games etc.,These
are issued only once.They will not be re-printed again.
➢ Mint Stamps are unused stamps.
➢ Indian Postage stamps are printed at Indian Security Press,Nasik.
➢ Domestic Philatelic Deposit Account can be opened at HO and the minimum deposit to
open a Domestic Philatelic Deposit Account is Rs.200/-.
➢ The amount to open a Domestic Philatelic Deposit account is to be paid by Cash or Money
Order or Cheque/Bank Draft encashable in India.
➢ Philatelic Bureau maintains Philatelic Deposit Account .

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ In case of Domestic Philatelic Deposit account,Stamps are dispatched by Postal Service by
Registered Post.If desired,they will be sent by insured post.Insured fee will be debited in
the Depsoit Account.
➢ The facility of foreign philatelic Deposit Account service is available at Mumbai GPO.
➢ Minimum deposit to open a philatelic deposit account service for foreign collectors is
Rs.1000
➢ The amount to open a Philatelic Deposit account by a foreign collector is to be paid by
Cheque/Bank Draft encashable in India.
➢ In case of Foreign Philatelic Deposit account,Stamps are dispatched by Registered post
unless the customer specially desires otherwise.The actual postage prepaid will be debited
against the deposit account.A handling charge at the rate of 2% with minimum of Rs.5/-
on each occasion will be levied.
MY STAMP
➢ My Stamp is the brand name for personalized sheets of postage stamps of India Post.
➢ My Stamp was first introduced in India during the world Philatelic Exhibition INDIPEX-
2011.
➢ The customer should present ID proof, photograph and Rs.300/-.
➢ Department will supply one sheet containing twelve five rupees stamps.
PLI & RPLI
146.PLI was introduced in the year 1884 and RPLI was introduced in the year 1995.
Children policies introduced in the year 2006
Six Plans available in PLI Scheme
1.Whole Life Insurance(Suraksha) 2.Convertible Whole Insurance(suvidha)
3.Endowment Assurance(Santhosh) 4.Yugal Suraksha
5.Anticipated Endowment(Sumangal) 6.Children Policies
Six Plans available in RPLI Scheme
1.Whole Life Insurance(Grama Suraksha) 2.Convertible Whole Insurance(Grama Suvidha)
3.Endowment Assurance(Grama Santhosh) 4.10 years RPLI.(Grama Priya)
5.Anticipated Endowment(Grama Sumangal) 6.Children Policies(Bal Jeevan Bima)
147.For the purpose of calculation of age for PLI/RPLI proposals the age of reckoning is Age at
next birthday.
148.When a person wishes to purchase PLI policy,he is required to sign the forms in the presence
of his Immediate Superior.
149.Which of the following are not eligible for PLI?
a)GDS b)Casual Labourers c)Govt.Employee d)Employee of Nationalized banks
150.For how many children the insurance coverage is provided in Children policy of PLI and
RPLI?
a)It covers one child of the policy holder
b)It covers two children of the policy holder
c)It covers three children of the policy holder
d)None of these

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

151.What is the medical examination fee for the Children Policy ?
a)Rs.20/- for amount upto Rs.20000 b) Rs.50/- for amount upto Rs.50000
c) Rs.100/- for amount upto Rs.100000 d)No medical fee
152.What is the grace period for payment of monthly premium?
a)Within calendar month b)Within the quarter c)None of these
153. What is the grace period for payment of quarterly premium?
a)45 days b)50 days c)60 days d)75days
154. What is the grace period for payment of half-yearly premium?
a)45 days b)50 days c)60 days d)75days
155. What is the grace period for payment of Yearly premium?
a)45 days b)50 days c)60 days d)75days
156.PLI/RPLI Loan Interest should be paid Half-yearly only.
157.A holder of which policy may not apply for reduction of his monthly premium and sum
assured without altering the class of the policy?
a)Endowment Assurance b)Anticipated Endowment Assurance
c)Whole Life Assurance d)All the above
158.While taking insurance policy,one official has furnished inaccurate information what will be
the consequencies?
a)He will get all the benefits of this policy.
b)He will get the matured amount with bonus
c)All the payments made by him will be forfeited and contact becomes voidable.
159.What is the minimum period for admitting death claim of suicide in respect of PLI and RPLI
policies?
a) One year b)Two Years c)Three Years d)There is no such minimum period
160.What is the maximum limit of months for paying advance premium of PLI in cash at a time?
a)6 months b)12 months c)36months d)NO limit
161.Children policy can be surrendered after 60 months.
162.No loan is admissible on Children policies

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 POSTAL LIFE INSURANCE
Whole Life Endowment Yugal Suraksha Children Policy 15 Yr AEA 20 Yr AEA
Assurance Assurance
Special Assured amount The proponent Spouse need not be Two Children for Survival benefits will not be
Features with Bonus will will get the sum an each policy taken into consideration in the
be payable to assured with employee,Insurance holder. Age of event of unexpected death of
nominee after bonus on coverage is children should insurant and the full sum
death of the maturity.Nominee provided for both be 5 to 20 years. assured with accrued bonus is
insurant will get the spouses with only There is no payable to the nominee
benefits on one premium. medical
insurance before Term : examination.
maturity Min :5 Years
Max :20 years

Age Minimum 19 yrs Minimum 19 yrs Minimum 21 yrs Minimum 19 yrs Minimum 19 Minimum 19
Maximum 55 yrs Maximum 55 yrs Maximum 45 yrs Maximum 55 yrs Maximum 45 Maximum 40
Sum Assured Min :Rs.20,000 Min :Rs.20,000 Min :Rs.20,000 Min :Rs.20,000 Min :Rs.20,000 Min :Rs.20,000
Max : Rs.50 lakhs Max : Rs.50 lakhs Max : Rs.50 lakhs Max : Rs.3 lakhs Max : Rs.50 Max : Rs.50
or the sum lakhs lakhs
assured of the
main policy
holder which
ever is less
Loan Admissible After Admissible After Admissible After Not admissible Not admissible Not admissible
Completion of 4 Completion of 3 Completion of 3
years years years
Surrender Admissible After Admissible After Admissible After Not admissible Not admissible
Completion of 3 Completion of 4 Completion of 5
years years years
Survival 20% after 6 yrs 20% after 8 yrs
Benefits 20% after 9 yrs 20% after 12 yr
20% after 12yr 20% after 16yr
40%after 15 40%after 20
yrs with bonus yrs with bonus

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

General Instructions:
1.The PLI policy is not eligible for bonus if the policy is surrendered or applied for loan before completion of 5 years.
2.Interest for loan is 10% in Simple Interest.Interest should be paid half yearly.
3.Revival : Three times.Rate of interest for payment of arrears of premium is 12%.
4.Premium can be paid in any post Office in India without any transfer.
5.Rebate of 1% is given for every Rs.20,000 of Sum Assured.
6.Sum Assured is to be in multiples of Rs.10,000.
7.Maximum limit of insurance for physically handicapped in PLI is same as others asn he/she takes any one of the plan.Medical
examination is compulsory.
8.Children Policy :--(PLI and RPLI Policies)
---The main policy holder should not have attained the age of 45 years.
---No premium is required to be paid on the children policy on the death of main policy holder and full sum assured with the
accrued bonus shall be paid to the child after the completion of the term of the children policy.
---On the death of the child/children,full sum assured with the accrued bonus shall be payable to the main policy holder .
9.LOAN and SURRENDER VALUES (PLI and RPLI Policies)
Whole Life assurance EA and CWA
Exceeding 4 years and up to 7 60% of Surrender Value Exceeding 3 years and up to 5 60% of Surrender Value
years years
Exceeding 7 years and up to 12 80% of Surrender Value Exceeding 5 years and up to 10 80% of Surrender Value
years years
Exceeding 12 years 90% of Surrender Value Exceeding 10 years 90% of Surrender Value

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 RURAL POSTAL LIFE INSURANCE SCHEMES
Whole Life Endowment 10 Year RPLI Children Policy 15 Yr AEA 20 Yr AEA
Assurance Assurance
Special Assured amount The proponent Can be taken with Two Children for Survival benefits will not be
Features with Bonus will will get the sum standard age proof each policy taken into consideration in the
be payable to assured with holder. Age of event of unexpected death of
nominee after bonus on children should insurant and the full sum
death of the maturity.Nominee be 5 to 20 years. assured with accrued bonus is
insurant will get the There is no payable to the nominee
benefits on medical
insurance before examination.
maturity
Age Minimum 19 yrs Minimum 19 yrs Minimum 21 yrs Minimum 19 yrs Minimum 19 Minimum 19
Maximum 55 yrs Maximum 55 yrs Maximum 45 yrs Maximum 55 yrs Maximum 45 Maximum 40
Sum Assured Min :Rs.10,000 Min :Rs.10,000 Min :Rs.10,000 Min :Rs.10,000 Min :Rs.10,000 Min :Rs.10,000
Max : Rs.10 lakhs Max : Rs.10 lakhs Max : Rs.10 lakhs Max : Rs.1 lakh Max : Rs.10 Max : Rs.10
or the sum lakhs lakhs
assured of the
main policy
holder which
ever is less
Loan Admissible After Admissible After Admissible After Not admissible Not admissible Not admissible
Completion of 4 Completion of 3 Completion of 3
years years years
Surrender Admissible After Admissible After Not admissible Admissible After Not admissible Not admissible
Completion of 3 Completion of 4 Completion of 5
years years years
Survival 20% after 4yrs 20% after 6 yrs 20% after 8 yrs
Benefits 20% after 7 years 20% after 9 yrs 20% after 12 yr
60% after 10 years 20% after 12yr 20% after 16yr
with Bonus 40%after 15 40%after 20
yrs with bonus yrs with bonus

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

General Instructions:
1.The RPLI policy is not eligible for bonus if the policy is surrendered or applied for loan before completion of 5 years.
2.Interest for loan is 10% in Simple Interest.Interest should be paid half yearly.
3.Revival : Three times.Rate of interest for payment of arrears of premium is 12%.
4.Premium can be paid in any post Office in India without any transfer.
5.Rebate of 1% is given for every Rs.20,000 of Sum Assured.
6.Sum Assured is to be in multiples of Rs.5000.
7.Maximum limit of insurance for physically handicapped in PLI is same as others asn he/she takes any one of the plan.Medical
examination is compulsory.
8(a)Standard Age Proof :
---Educational Institutional Certificates
---Birth Certificates issued by Revenue authorities
---Baptism Certificate
---Service Register
---Pass Port
---Marriage certificate issued by Roman Catholic Church
(b) Maximum age limit is 55 years and Maximum Sum Assured is Rs.10,00,000
9.(a Non Standard Age Proof ;
---Driving License
---Ration Card
--Voter ID
---Horoscope
---Medical Certificate issued by doctors
(b)Maximum age limit is 45 years and maximum sum assured is Rs.1,00,000
10.Non medical policies : Maximum age limit is 35 Years and maximum sum assured is Rs.25,000.
11.Death Claims on non medical policies
a) Death occurred within one year -- 35% of SA plus bonus
b)Death occurred 1-2 years -- 60% of SA plus bonus
c)death Occurred 2-3 years -- 90% of SA plus bonus
d)Death Occurred after 3 years -- 1000

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 PLEASE REFER TO THE CURRENT INLAND TARIFF AND CALCULATE THE
FOLLOWING
163.The commission for issue of Money Order is ……………………………
164.The fee for acknowledgement of registered article is ……………..
165.The VP charge to be collected on a VP letter for Rs.45 is ……………………
166.The VP charge to be collected on a VP letter of Rs.100/- is ………….
167.The insurance fee for an article insured for Rs.200/- is ……….
168.The postage required for posting of Registered Newspaper weighing 50 grams by air is ……
169.The total postage required for value Payable letter weighing 100 grams and VP for Rs.400/- to
Mumbai GPO is ………………….
170.A letter weighing 40 grams affixed with postage of Rs.10/- and marked as Registered found
in letter box.It will be charged for Rs………………..
171.The postage for an inland registered parcel weighing 2400 grams is ………….
172.The redirection fee for an inland registered parcel weighing 2400 grams is ………….
173.Inland letter card with postage Rs.1.00 prepaid is charged on delivery for Rs……….
174.The postage for a book post containing printed books weighing 480 grams is ……….
175.A sample packet weighing 80 grams affixed with postage of Rs.4.00 will be charged on
delivery for Rs………
176.The postage of an air parcel weighing 3500 grams is ……………………
177.The postage for Blind Literature packet weighing 12 grams to be sent by air is ……
178.The commission for issue of Money order for Rs.4444/- is ………..
179.The commission for Field Postal Order for Rs.20,000 is ………….
180.The total postage payable for insured letter weighing 200 grams and insured for Rs.1000/- is
………

P.O GUIDE PART II

➢ Foreign Post applies to the Postal Services which do not come within the definition of
‘Inland Post’.
There are two categories of post articles that are exchanged in foreign post
---Letter Post
---Parcel Post
The term APPU stand for Asia Pacific Postal Union.It was established in the year 1961
and India joined in APPU in the year 1963.The Headquarters of APPU is in Manila(Philippines).
UPU stand for Universal Postal Union .

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ Letter Post in foreign post is also referred to as ‘Correspondence’ and applies to the
following classes of Postal Classes
---Letters,Postcards,Printed Papers including Books and Registered Newspapers,Small
packets and Literature for Blind.
➢ The maximum weight limit of an aerogramme is 3 grams
➢ The aerogramme when transmitted by surface for any reason,it is treated as Letter.
➢ Privately manufactured Foreign Post Card to be sent from India is of dimensions Max:105
x 148 mm and Min :90 x 140 mm
➢ The maximum weight limit in case of foreign letter mail is 2 kgs.
➢ The foreign letter can be sent by Surface route,By Airmail,By Surface Air Lift
➢ All letter post items including items for Air transmission can be sent by Registered post
to Foreign Countries.
➢ Undelivered foreign mail will be returned by surface and air,if the sender specifically
rquested and ready to bear the charges.
➢ The maximum weight limit of Registered Newspaper in case of foreign postal articles is 2
kgs.
➢ The maximum weight of foreign blind literature packets is 7 kgs.
➢ The registration charge for letter post items to foreign countries is Rs.50/-.
➢ The fee for recall of article of a foreign parcel mail article is Rs.30/-
➢ Envelopes with coloured borders,wholly transparent,having a transparent panel are not
accepted for insurance.
➢ Articles which are fully prepaid can be accepted for Insurance.
➢ The maximum limit of Insurance to foreign countries is Rs.10,000/-
➢ The maximum weight limit of the foreign Insured Letter is 2kgs
➢ The maximum weight limit in case of Small Packet of foreign postal articles (except for
certain countries) is 1 kg
➢ All the small packets should always have Customs declaration irrespective of value.
➢ The Bulk bag for foreign countries should not be less than 5 kgs and not more than 35
kgs.
➢ The application for bulk bag facility to foreign countries should be made to Head of the
Circle and its registration charges are Rs.200/-.
➢ There is no late fee for foreign registered article.
181.With Pakistan, exchange of parcel is regulated by means of special bilateral arrangement.
182.There is no separate class(1)in the foreign post and except for (2)………….. for which inland
rates apply,no registration fee as such is changed on foreign parcel which are treated like inland
registered parcels while transmission in India.Registration of Parcels to Nepal and Bhutan is (3)..
a) 1)Registered parcels 2)Nepal and Bhutan 3)Compulsory
b) 1)Compulsory 2)Nepal and Bhutan 3)Registered Parcels
c) 1)Nepal and Bhutan 2)Registered Parcels 30Compulsory
183.Ordinary foreign parcels should bear the words ‘’Registered’’ on them for countries like
Nepal and Bhutan

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

184.what is the disposal of foreign parcels in case of parcel treated as abandoned at office of
delivery at foreign country?
a)It will be sold by action b)It will be destroyed c)either of above
185.What are the mandatory forms to be filled by the sender of a foreign parcel at the time of
booking in India?
a)Customs Declaration b)Declaration in PP form
c)Both a & b d)No forms are to be filled up
186.what are the offices authorized to deliver foreign parcels?
a)All delivery post offices b)Office of exchange c)Foreign post office
187.Maximum period of retention of foreign parcels are 7 Days
188.C.A.P indicates Containing Air Parcel
189.The mode of return of a parcel will depend upon the Instructions given by the sender on the
parcel and dispatch note .The parcel will be returned by air only if the sender has so requested
which amounts to guaranteeing the return charges and air surcharge. If no instructions have been
given by the sender the parcel will be returned only by Surface.
189.A foreign parcel should not contain document in the nature of personal correspondence.
However,in the case of parcels addressed to certain countries a single communication from the
sender to the addressee is permissible.
190.Director General can issue order of suspension of Money Order in respect of any particular
postoffice or group of post offices.
191.The airmail fee should be paid in the shape of postage stamps for transmission of a MO by
air.
192.COD parcel in foreign category means Cash on delivery Parcel.
193.All foreign VP letter post items and VP and COD parcels should not contain
Tickets,Coupons,Certificates etc.,
194.Inward foreign VP article addressed to post restante can be retained for 7 days in the office of
delivery.
195.The sum of amounts due to be recovered from the addressee of the articles is remitted to
sender by means of Money Order
196.All Foreign Post Offices and Head Post Offices are authorized to issue receipts for Custom
duty paid if required by the addressee.
197.Two copies of custom declaration is to be filled in by the sender and give for booking of
foreign parcel in India.
198.Customs clearance fee will be charged at the time of delivery.
199.The principal postal Appraisers and Postal Appraisers are officers who deals with the
complaints about the assessment of duty in respect of foreign postal articles belong to
Department of Customs.
200.The customs declaration is primarily excercised at the point of entry or exit from the
country.However where the control leads to detention of postal articles,its opening for
examination,the imposition of duty,or the production of documents by the sender or the
addressee,Foreign Post Office or Sub Foreign Post Office.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

201.All articles subject to Customs treatment are given a new serial number at the Foreign Post
Office proceeded by a letter or letters of the alphabet which stand for the name of the Foreign
Post Office.In all the correspondence concerning such articles this serial number should be
quoted in addition to the Registration number(if any) assigned by the Office of origin.
202.If any foreign parcel is returned to sender for having contained prohibited articles ,the
liability of the sender is that the charges for conveyance resulting there from are recoverable
from the sender.
203.The time limit for enquiries and complaints in foreign post in respect of letter mail,parcel
mail,VP articles ,COD articles and Money Orders is One Year
204.There is no enquiry fee for complaints regarding foreign registered letter with advice of
delivery.
205.If enquiry relates to five foreign articles of the same kind posted at the same time and at same
place by the same sender and addressed to same addressee,then enquiry for only one article will
be collected

POST OFFCE GUIDE PART IV – POSB SCHEMES

SAVINGS ACCOUNT
Salient Features :-
➢ The Post Office savings Bank General Rules ,1981 came into force on the 1st day of
April,1982.
➢ SB joint account can be opened by two or three adults
➢ Minimum age for opening of SB account by a minor himself in his name is 10 years.
➢ Earlier SB-3 form is used for opening of SB/RD/TD/MIS/SCSS accounts. Now all the
post offices are migrated to CBS platform and new form(AOF) is being used for this
purpose.
➢ SB 26 receipt is used at branch post offices for opening of SB/RD/TD/SSA accounts.
➢ Joint account can be opened by two or three adults.
➢ For Joint A accounts, all the depositors should sign in the withdrawal form.
➢ For Joint B accounts, any one of the depositors can sign in the withdrawal form
➢ In case of transfer of joint accounts, application for transfer is required to be signed by all
the depositors.
➢ Minimum amount to open non-cheque SB account is Rs.50/- and for Cheque account is
Rs.500/- and Maximum : No limit
➢ Account can be opened by cash only
➢ Nomination facility is available at the time of opening of account and after opening of
account.
➢ Under POSB rules 1981,Nomination or cancellation or variation of a nomination shall be
registered at Head Post Office.
➢ Rate of interest of a SB account opened after 01.10.2018 is 4%
➢ Presentation of Pass Book is not necessary in case of SB cheque account.
➢ Withdrawal by cheque in savings accounts shall not be less than Rs.20/-

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ Only one withdrawal is allowed in a day in a Branch Post Office
➢ Branch Postmaster can sanction SB withdrawal without prior sanction of AO up to the
amount of Rs.5000/-
➢ There is no fee for issue of fresh SB passbook in lieu of used one
➢ If the SB Passbook is lost, destroyed, stolen or spoil while in the custody of depositor,a
duplicate passbook may be issued on payment of Rs.10/-
➢ Head Postmaster is empowered to close an account without passbook
➢ KYC means Know Your Customer
➢ An adult can open any number of accounts , but not more than a single account in a Post
Office.
RECURRING DEPOSIT ACCOUNT
Salient Features:-
➢ PORD Rules ,1981 came into force on the 1st day of April 1982.
➢ RD joint account can be opened by two adults only
➢ Minimum amount for opening of RD account is Rs.10/- and with multiples of Rs.5/-
➢ Maximum amount : No limit
➢ An individual can open any number of RD accounts.
➢ W.e.f 01.10.2018,interest rate for RD account is 7.3%(quarterly comounded)
➢ On maturity Rs.10/- account fetches Rs.725.05/-
➢ Maturity Period of RD account is 5 Years and can be continued for another 5 years on year
to year basis.
➢ RD account can be prematurely closed after 3 years.
➢ RD withdrawal is allowed after one year by not exceeding 50% of deposits.
➢ RD default fee is Rs.1.00 for Rs.100/-.
➢ Rebate is paid for payment of 6 months in advance.
➢ The account will be treated as discontinued if there are more than four RD month defaults.
➢ RD account will be permanently discontinued for more than 6 defaults.
➢ If the date of maturity of RD account is holiday then the depositor can receive the
maturity amount due on the day before the date of maturity.
Example :-Date of maturity of a RD account is 03.01.2010.02.01.2010 and 03.01.2010 are
holidays.Then the amount due on maturity RD account will be paid to the customer on
01.01.2010.
TIME DEPOSIT
➢ POTD rules came into force,1981 came into force on 1st April 1982
➢ TD Account can be opened by and individual and Joint account can be opened by two
adults
➢ Minimum deposit :Rs.100/- and in multiple thereof.
➢ No maximum limit
➢ Investment can be made for 1 yr,2 yrs,3 yrs and 5 years.
➢ W.e.f. 01.10.2018 ,interest rates are
for 1 year a/c ----6.9%

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 for 2 years a/c ---7.0%
for 3 years a/c---7.2%
for 5 years a/c---7.8%
➢ Any number of accounts can be opened in any postoffice
➢ Premature closure is allowed after 6 months.
➢ Account can be opened in the name of minor also.
➢ The investment under 5 year TD qualifies for benefit of Income Tax under Section 80C
MONTHLY INCOME SCHEME
Salient Features:-
➢ PostOffice MIS Rules 1987 came into force on 15th day of August 1987
➢ Current Rate of interest in PO MIS w.e.f 01.10.2018 is 7.7% per annum payable monthly.
➢ Maturity period is 5 years w.e.f 01.10.2018
➢ Minimum amount to open MIS account is Rs.1500/- and with multiples of Rs.1500/- there
of.
➢ Maximum investment limit is Rs.4.5 lakhs in Single account and Rs.9 lakhs in joint
accounts.
➢ Any number of accounts can be opened in any post office subject to maximum limit by
adding balance in all the accounts.
➢ Joint account can be opened by two or three adults.
➢ No Bonus is admissible on the deposits made on or after 01.12.2011
➢ Interest can be transferred from MIS to SB account.
➢ If the interest payable on every month in MIS is not claimed by the depositor,such interest
will not earn additional interest.
15 YEAR PUBLIC PROVIDENT FUND
Salient features :-
➢ Public Provident Fund Scheme,1968 came into force on 1st day of July 1968.
➢ Current rate of interest in PPF is 8.0% per annum from the date of deposit(Compounded
yearly)
➢ An individual can open account with Rs.100/- but has to deposit minimum of Rs.500/- in
a financial year and maximum of Rs.1,50,000.
➢ Deposits can be made in lump-sum or in 12 installments.
➢ Maturity period is 15 years but the same can be extended within one year of maturity for
further period of 5 years .
➢ Joint accounts cannot be opened.
➢ Premature closure is not allowed before 15 years.
➢ Deposits qualify for deduction from income under section 80C of IT
➢ Interest earned on PPF is completely tax free
➢ Loan facility is available from 3rd financial year.
➢ Withdrawal is allowed every year from 7th financial year from the year of opening
account.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ 15 year PPF account standing at PostOffice can be transferred to SBI or its subsidiaries and
vice versa.
➢ PPF account can be opened in a Post Office which is doubled handed and above.
➢ Rate of interest on amount of loan taken from PPF account that is not or is repaid only in
part within thirty six months is 6%
➢ Default fee for PPF account on non maintaining minimum balance is Rs.50/-
SENIOR CITIZENS SAVINGS SCHEME
Salient features:-
➢ Senior Citizens Savings Scheme Rules came into force on the 2nd day of October,2004.
➢ An individual of the age of 60 yeas or more may open the SCSS account.
➢ Rate of interest on SCSS accounts w.e.f 01.10.2018 is 8.7% per annum.
➢ There shall be only one deposit in SCSS account with multiples of Rs.1000/- and maximum
limit not exceeding Rs.15 lakhs.
➢ Maturity Period is 5 years.
➢ A depositor may operate more than on account in individual capacity or jointly with
spouse.No age criteria for joint holder(Spouse) in case of joint SCSS account.
➢ Account can be opened by cash for amount below Rs.1,00,000 and by cheque for the
amount above Rs.1,00,000.
➢ Premature closure is allowed after one year on deduction of an amount equal to 1.5% of
the deposit and after 2 years 1% of the deposit.
➢ After maturity, the account can be extended for further three years within one year of the
maturity by giving application in prescribed format.
➢ Account can be transferred from one PO to another.Fee for transfer of SCSS account is
----Rs.5.00 per lakh if the transfer is for the first time and the one lakh or above.
----Rs.10.00 per lakh if the transfer is for the second time.
➢ Fee for issue of duplicate Passbook for first time is free and for second and subsequent
times is Rs.20.00
➢ Fee for cancellation of nomination in respect of SCSS accounts is Rs.1.00
➢ Retired Defence Personnels (excluding Civilian Defence Employees) can open SCSS
accounts only on attaining the age of 50 years.Earlier there was no age restriction for those
personnel.
SUKANYA SAMRIDDHI ACCOUNT
➢ Sukanya Samriddhi accounts scheme was launched by Prime Minister on 22nd January
2015.
➢ A legal Guardian /Natural Guardian can open the account in the name of girl child.
➢ Account can be opened upto the age of 10 years from the date of birth of girl child.
➢ A guardian can open only one account in the name of girl child and maximum of two
different girl children.
➢ Minimum amount for opening of SSA is Rs.250/- and subsequent deposits in multiples of
Rs.100/- and maximum of Rs.1,50,000 in a financial year.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ Deposits can be made in lump sum and no limits on number of deposits either in a month
or in a financial year.
➢ Rate of interest w.e.f 01.10.2018 is 8.5% per annum.
➢ Partial withdrawal,maximum of 50% of the balance at the end of preceeding year is
allowed in a SSA for girl higher education and marriage after she attains 18 years of age.
➢ Account can be closed after completion of 21 years.
➢ Normal premature closure will be allowed after completion of 18 years provided that girl
is married.
➢ There is no nomination facility in SSA account.
➢ Only One withdrawal is allowed in a financial year in SSA account.
➢ Five withdrawals are allowed in a SSA account in its entire period.
➢
5 Years National Savings Certificate(VIII Issue)
Salient Features:-
➢ NSC (VIII Issue) Rules 1989 came into force on 8th day of May,1989
➢ Rate of interest for NSC certificates w.e.f 01.10.2018 is 8.0% compounded six monthly but
payable at maturity.
➢ Minimum : Rs.100/-. No Maximum limit
➢ Denominations of NSC VIII Issue(5 Years ) sold at Post Offices are Rs.100/- , Rs.500/-
Rs.1000/-,Rs.5000/- and Rs.10000/-.
➢ W.E.F 01.07.2016 ,there will be no denomination of NSC .NSC VIII Issue can be issued for
minimum of Rs.100/- and in multiples of Rs.100/-.
➢ NRI’s are not eligible for purchase of NSC/KVP.
➢ NC-4(a) is issued to the investor when certificates are not issued immediately.
➢ Nomination facility is available.
➢ More than one nominee is not allowed in respect of denomination of Rs.100/-
➢ All saving certificates are printed at Government of India Security Press,Nasik
➢ Sale of pre-printed certificates is stopped w.e.f 01.7.2016 and certificates are to be issued
in the shape of Passbooks.
➢ NSC Certificates can be presented at any post office for encashment.
➢ Any number of certificates can be purchased by the investor.
KISAN VIKAS PATRAS
➢ KVP Rules 1988 came into force on the 1st day of April 1988
➢ KVP discontinued in Dec 2011 and re-launched on 18.11.2014
➢ Current Interest rate is 7.7 %.Amount invested doubles in 112 months (9 years & 4
months)
➢ Minimum : Rs.1000/-. No Maximum limit
➢ Denominations of KVP sold at Post Offices are Rs.1000/- ,Rs.5000/- , Rs.10000/-
,Rs.50,000/-.
➢ W.E.F 01.7.2016 ,there will be no denomination of KVP.KVPs can be issued for minimum
of Rs.1000/- and in multiples of Rs.1000/-.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

 ➢ NRI’s are not eligible for purchase of NSC/KVP.
➢ NC-4(a) is issued to the investor when certificates are not issued immediately.
➢ Nomination facility is available.
➢ All saving certificates are printed at Government of India Security Press,Nasik
➢ Sale of pre-printed certificates is stopped w.e.f 01.7.2016 and certificates are to be issued
in the shape of Passbooks.
➢ KVP Certificates can be presented at any post office for encashment.
➢ Any number of certificates can be purchased by the investor.
➢ Certificate can be encashed after 2&1/2 years from the date of issue.
JANASURAKSHA SCHEMES
PRADHAN MANTRI SURAKSHA BHIMA YOJANA (PMSBY)
➢ Eligible for people with age group between 18-70 years.
➢ Annual Premium –Rs.12 and the premium has to be paid till the age of 70 years.
➢ Insurance coverage Period - One Year (o1st June to 31st May) and to be renewed every
year
➢ Insurance cover offered for Accidental death/disability/accidental injury
➢ Rs.2 Lakhs for accidental death and permanent disability.
➢ Rs.1 lakh for partial disability
➢ The insurance policy can be taken from any CBS Post Office , Public and Private Banks.
➢ Premium can be auto debited from SB account.

PRADHAN MANTRI JEEVANA JYOTHI BHIMA YOJANA (PMSBY)

➢ Eligible for people with age group between 18-50 years.
➢ Annual Premium –Rs.330 and the premium has to be paid till the age of 55 years.
➢ Insurance coverage Period - One Year (o1st June to 31st May) and to be renewed every
year
➢ Insurance cover offered for death due to any reason (Natural/accidental)
➢ Rs.2 Lakhs for death due to any reason.
➢ The insurance policy can be taken from any CBS Post Office , Public and Private Banks.
➢ Premium can be auto debited from SB account.
Appropriation of Premium :-
PMSBY PMJJBY
1 Insurance Premium to LIC and other Rs.10 R.289
Insurance Company
2 Reimbursement of expenses to Rs.1 Rs.30
BC/Micro/Corporate/Agent
3 Reimbursement of Administrative Rs.1 Rs.11
expenses to participating bank
Total Rs.12 Rs.330

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

ATAL PENSION YOJANA
➢ It is focused on all citizens in unorganized sector.
➢ It is administered by Pension Fund Regulatory and Development Authority
(PFRDA) through NPS structure.
➢ Monthly , Quarterly , Half-Yearly prescribed contributions under APY for different
minimum guaranteed Pension ranging from Rs.1000/- to Rs.5000/-.
➢ Applicable to all citizens of India aged between 18 to 40 years.
➢ Government of India also contributes 50% of the subscribers contribution or
Rs.1000/- per annum whichever is lower.
➢ Subscriber has to pay premium upto the age of 60 years.
➢ If the premium is not paid for 6 months , the account will be frozen.
➢ If the premium is not paid for 12 months , the account will be deactivated .
➢ If the premium is not paid for 24 months , the account will be closed
➢ Exit before 60 years is not permitted.But permitted only in exceptional cases i.e in
the event of death of beneficiary or terminal disease.
➢ On attaining the age of 60 years
• The exit from APY is permitted with 100% annuitization of pension
wealth.
• In case of death of the subscriber due to any case , pension would be
available to spouse and on death of both of them , the pension corpus
would be returned to his nominee.
CORPUS AMOUNTS:-
For Rs.1000 pension amount - Rs.1.7 Lakhs
For Rs.2000 pension amount - Rs.3.4 Lakhs
For Rs.3000 pension amount - Rs.5.1 Lakhs
For Rs.4000 pension amount - Rs.6.8 Lakhs
For Rs.5000 pension amount - Rs.8.5 Lakhs

BRIEF GIST ON SAVINGS BANK AND SAVNGS CERTIFICATES

1. CBS means Core Banking Solution.
2. Vendor of CBS Finacle is Infosys.
3. In CBS , all departmental offices are called Service Outlets (SOL).
4. Pay-in-slip form - Form SB -103.It can be filled in either in English or in Hindi or in
the Regional Language at the option of depositor.
5. Application for withdrawal - Form SB-7
6. Application for closure form - SB-7A
7. Two uniform common CBS Passbooks - SB-5 and SB-5A
8. SB-5 will be used for SB/RD/MIS/SCSS/SSA and PPF schemes and SB-5A is used for
NSC/KVP and TD accounts.
9. The authorized stock of CBS Passbooks for each Sub Post Office will be fixed by
Divisional Head.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

10. If the depositor fails to take the delivery of his CBS Passbook within 30 days from the date
of its receipt in the HO or SO , the SO will forward the CBS Passbook to the HO duly entered in
the list of documents with remarks ‘’Undelivered’’.
11. If the CBS passbook is not claimed within a period of three months from the date of its
original receipt at HO , it should be forwarded to SBCO for safe custody.
12. A receipt from SB-28 receipt book will be issued when ever the CBS passbook is made
over by depositor to a post office for any purpose.
13. Preliminary receipts SB-26 are printed in books of 50 receipts in triplicate for branch
offices and are machine numbered.It is issued when ever an account is opened at BO.
14. Index to Preliminary Receipts - MS-15
15. In case of illiterate depositors , left hand thumb impression (LTI) of female and right hand
thumb impression(RTI) of male depositors are required to be taken instead of signatures in
AOF(Accounting Opening Form).
16. Application for nomination - SB-55
17. In CBS environment , there are four modes of withdrawals
➢ Withdrawal through SB-7
➢ Withdrawal through POSB Cheque
➢ Withdrawal through ATM debit card
➢ Withdrawal through any electronic mode
18. Register of Higher Value Withdrawals at BOs - SB-45
19. Postmaster/APM/SPM will be responsible for tallying the account entered into SB cash
module /CSI &A module by Post office with amount shown in consolidation of each scheme.
20. Postmaster/APM/SPM will be held personally responsible for all transactions happened
in the Finacle office accounts in Post Office.
21. A discontinued RD account can be transferred from one post office to another even after
date of maturity.
22. Fee for duplicate passbook - Rs.10 in the shape of Postage Stamps.
The Postmaster may grant exemption from the payment of fee of rupee ten if the Passbook
has been spoiled or lost or destroyed under the circumstances beyond the control of depositors.
23. The 1st April will be observed as non –transaction day for calculation of interest.
24. If the interest bearing balance during a month is less than Rs.20 it will not be taken into
account for interest calculation.
25. If the total interest for the year in the account is less than one rupee , no interest is
allowed.
26. Limits for sanction of Claims
Sl.No Name of the Authority Limit in Rs.
1 Time Scale SPM 1000
2 SPM in LSG(Norm Based) 2000
3 SPM/DPM/PM in HSG (all non Gazetted) 5000
4 DPM/Sr.PM/Dy.Chief PM/SPOs(all Gazetted Grup B) 20,000
5 Chief Postmasters in HO/SSPOs(all Gazetted Group A) 50,000

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001

6 Regional Director/Director in GPO(in Mumbai and 75,000
Kolkata)
7 CPMG/PMG(Hrs and Region) 1,00,000
27. NSC/KVP certificates can be purchased through Cash or cheque or Pay Order or DD or
Matured certificates /SB-7.
28. If an SSA account was opened on 13.05.2015 , the deposits can be accepted in that account
upto 12.05.2030 i.e 15 years from the date of opening.

Prepared by V.SaiKrishna, Offg.IP, Nellore West Sub Division,Nellore--524001