Hand Book on Duties and Rights - 2017 · We acknowledge the excellent work done by M/s Creative Studios, M/s Powerful Printers Pvt. Ltd. and M/s P M Digitals for excellent designing

Hand Book on Duties and Rights - 2017•1

2 • Hand Book on Duties and Rights - 2017

Hand Book on Duities & Rights

2017

© Publisher

Indian Overseas Bank

Officers’ Association

Fourth Revised Edition : January 2017

Size : 1/4 Demy

No. of Pages : 344

Design and Typeset by:

Creative Studio Vijayan

Chennai - 600 018

Printed at:

M/s Powerful Printers (P) Ltd.,

74, Kannapan Street,

Nelson Manickam Road,

Aminijikarai, Chennai - 600 029

Publisher:

Indian Overseas Bank Officers’ Association

763, Anna Salai, Chennai - 600 002

Phone: 044-2852 1925, 2852 5214, 28517072

Fax: 044-2852 9515

E-mail: [email protected],

[email protected]

Website: www.ioboa.in


“If you can’t explain it simply, you don’t understand it well enough”.

- Albert Einstein

Each step forward reveals a new horizon. A decade ago; in the year 2005 we have taken the first

step in publishing this book “Duties and Rights” followed by ascending demand forcing to reprint

in 2011, thus, emerging into a standard repository of all information and understanding, scoring

over the older editions with more pedestrian work.

This edition of “Duties and Rights – 2017” is important in two respects. First, it is in cognizance

with the Tenth Bipartite Settlement provisions; and secondly it is authentic. This is a search engine

in your hands with a compendium of necessary circulars integrating all important service conditions

of the officers combined with all recent developments and improvements in the guidelines and

regulations. The softcopy being uploaded in our Association website,facilitating to take a printout

of revised relevant formats and forms relating to the provisions.

Progress is impossible without change. In this edition many changes have been brought in synching

to the changing background of our service conditions. Knowledge has a beginning but no end.

Knowledge gains by learning and the end point of the learning curve of Duties and Rights never

halt. We are certain the reader will keep on updating the same.

Compiling such an extensively vast information and guidelines in to a hand book on “Duties and

Rights – 2017” in really a Herculean task. The deep thought & untiring efforts gone in to laying

out, continuance of chapters, designing the layout, proof reading every letter of the book which

are apparently indecipherable deserve rich appreciation by everyone of us.

Every job is a self-portrait of the person who did it. Excellence has been depicted with the

dedication of every team member in bring out such incredible hand book on “Duties and Rights

- 2017”.

We are certain this hand book will serve you as a ready reckoner.

With regards

(B. SRINIVASAN)

GENERAL SECRETARY

(T. MURALI SOUNDARARAJAN)

PRESIDENT


We place our acknowledgements on record by expressing sincere

thanks and appreciation to all office bearers at Central Unit who

have devoted their valuable time and inputs in bringing out this

edition in a record time. Our sincere thanks to Com. Padmanabhan H, Senior

Deputy General Secretary, Com.R.Ramesh, Joint Treasurer with additional

charge of Senior Deputy General Secretary, Com. Devota Antony Pius,

Deputy General Secretary – TN (North) who have contributed in proof

reading, Com. Deepak Shukla, Assistant General Secretary, Bhopal for final

proof reading and Com.C.Senthil Kumar, Assistant General Secretary of

erstwhile Nagapattinam Region for his assistance in carrying out corrections

with the designer, without which the book would have not have progressed

to print.

Our special thanks to Com. R.Kameswaran, Treasurer with additional charge

of Joint General Secretary, Indian Overseas Bank Officers’ Association for

his pivotal role in bringing out the “Duties and Rights-2017” edition

successfully. His indefatigable attitude coupled with commitment in designing,

lay out, compilation of all information as per 10th Bipartite Settlement and

reference from various circulars and guidelines is beyond description.

Our special thanks to designer M/s. Creative Studio and the printers M/s.

Powerfull Printers Pvt Limited, who always extended their constructive

support with quality complying with our request to bring to this point of

accomplishment.

(B. SRINIVASAN)

GENERAL SECRETARY

(T. MURALI SOUNDARARAJAN)

PRESIDENT


A guide to your “Duties and Rights - 2011” being the third edition had

been very popular and in great demand amongst the officers and the

executives of the bank. It is one of our publications that serve as a

reference book in many of the departments at Central Office and Regional Offices

all over the country. Our bank has recruited large number of officers during the

period 2011-14 and it has been our endeavour to ensure that every new member

is given a copy of the book free of charge. The entire book has also been

uploaded on our website www.ioboa.in to enhance its reach to every member of

the organisation in a seamless manner. During the period under review, we have

been getting requests for supply of the book from our members - both new and

existing. Many of our executives evinced interest to get a copy as they also

found it a very useful publication of IOBOA.

The book was first published in the year 2005 and in view of growing demand,

we had to reprint the revised edition followed by another edition in the year 2011

incorporating all important developments and improvements in the service

conditions of the officers. Since the entire book is uploaded on our website, it

creates convenience for the members to download the forms and formats for

their use. It shall be our endeavour to keep the book updated from time to time

so that the members are able to make use of the same by logging on to our

website.

It is understood that bringing out such a detailed publication involves great efforts

and attention by a team of not only our office bearers but also the officers and

staff working in different departments at Central Office. We owe very sincere

gratitude to all those comrades who have been associated with bringing out this

book. Special mention needs to be made about those comrades who were

actively involved to complete the task of bringing out this book. We are thankful

to Com. V.Rajalakshmi, Com. A. Annadurai, Com. Meyyappan, Com. Billy

Daniel, Com. Mythili Krishnaswamy, Com. Jaba Singh of Central Office for

their valuable contribution.

Com. R Kameswaran, AGS, Central Office undertook the task of not only its


updation but also ensured its successful publication. But for the whole-hearted

involvement and dedicated efforts of Com. Kameswaran, it would have been

extremely difficult to successfully bring out the book and meet the timeline.

Our office bearers viz., Senior Vice President Com. Vijayasenan P, Joint General

Secretaries Com. R Muthukumar, Com. B Srinivasan and Com. T Murali

Soundararajan, Treasurer Com. M Mani, Senior Deputy General Secretaries

Com. Uma Subramanian and Com. D Prem Rattan Babu, Deputy General

Secretary Com. N S Meenakshi and Joint Secretary Com. R Ramesh extended

their helping hands in different ways to accomplish the task. Our Chennai-based

office bearers like Com. M Santhosh Kumar and Com. S Premkumar also

chipped in wherever required. Our Vice President Com. V Kumaresan performed

an important function by adding value to the book in the form of excellent page

setting and a meaningful cover designing. It is thus clear that bringing out this

valuable book has been a great team effort. We take this opportunity to express

our sincere gratitude to all our office bearers and the members who have been

part of a successful team in publication of this book. Com K Suryanarayanan,

our staff deserves to be praised for helping Com. Kameswaran and others in the

process of completion of the book.

M/s. Creative Studios, M/s. Powerfull Printers Pvt. Ltd., and M/s. P M Digitals

have done excellent designing, printing and printout works respectively in an

excellent manner. We consider it our proud privilege to acknowledge their

contributions in enhancing the value of the book by making it not only attractive

but also easy to read.

We are confident that this edition of “Duties and Rights - 2014” shall prove to be

very useful to its readers and also receive their appreciation. We note to

incorporate the details of impending salary revision when done with. The same

will be uploaded in our website. We invite your valuable suggestions, feedback

and inputs for further improvement of the book.

J D SHARMA

President

K ANANDAKUMAR

General Secretary

Chennai

7.10.2014

With regards,


The last edition of ‘A Guide to YOUR RIGHTS & DUTIES’ was brought out during the year 2005

immediately after the industry level salary revision for bank officers. The book had been in great demand

not only by the officers of the bank in all the grades from JMGS I to TEGS VII, but also by the officers

and executives who were working in related Departments. They have been using our book as a reference book

in discharge of the duties on a regular basis. The ever growing demand for this book stands a mute testimony to

the usefulness of this book.

After the publication of the last edition (2005), there have been several amendments to our service conditions

including the industry level salary revision. We have been waiting for important developments and improvements

for bringing out this revised edition under the name ‘A Guide to YOUR DUTIES & RIGHTS (2011).’ The book

also contains all important forms and formats to be used for various purposes by our members for their ready

reference. Such forms can also be downloaded from our Bank’s website.

Bringing out this book has been enabled by a team of officers from different departments and we owe our sincere

gratitude to all these comrades. The comrades who had taken special efforts to make this book a reality are

Jaba Singh, T.Lakshmanan, V.Rajalakshmi, A.Srinivasan, N.Mangalam, N.Parathasarthy, A.Annadurai, R.Kasturi

Rangan, S.Ramesh, S.Krishnamurthy from clerical section, R.Billy Daniel Joseph, Murali from Supervisory

Section and Nakeeran from Industrial Relations Department. Com.Kalaiselvi of RO II, Chennai and

K.T.Srikrishnan of Large Corporate Credit Department and Com.Bysani Maruthi Prasad of Official Language

Department. Central Office also contributed to add more utility to the book. We also owe our gratitude to

Com.K.S.Rengarajan our former Treasurer for his valuable contribution. Com.R.Kameswaran of Staff Housing

Loan Section, Central Office shouldered tremendous responsibility and deserves our special commendation for

the special efforts he has taken for successfully bringing out the book. Our office bearers namely

Com.P.Vijayasenan, Senior Vice President, Com.S.Nandakumar, Joint General Secretary, Com.D.Prem Rattan

Babu, Assistant General Secretary, Central Office, Com.M.Santhosh Kumar, Assistant General Secretary, Chennai

I burnt midnight oil for proof reading of the book. Com.V.Kumaresan, Vice President was responsible for

adding value to the book by excellent page setting and cover designing. We express our sincere gratitude to all

these office bearers. Com.K.Suryanarayanan, our staff deserves to be praised for the typing work he did for

various Chapters of this book.

We acknowledge the excellent work done by M/s Creative Studios, M/s Powerful Printers Pvt. Ltd. and M/s

P M Digitals for excellent designing and printing work. We are confident that this edition of ‘A Guide to Your

Duties and Rights – 2011’will receive all your appreciation for its usefulness. We shall welcome your feed back

and suggestions for further improvement of the book.

With regards,

K ANANDAKUMAR

General Secretary

J D SHARMA

President


The first Edition of A Guide to Rights & Duties of Bank Officers’ found wide welcome.

As we ran out of print we could not meet the demand of our members, who became officers in subsequent years.

Meanwhile many changes including two Wage Revisions have taken place. The necessitated thorough revision of

the Book to make it useful to our members. Hence this revised edition – 2005 is being published. Though all forms

can be downloaded from our Bank’s website we have incorporated all essential forms for easy reference of our

members. We trust that the book will be of great help not only to our members but also to desk officers.

We owe our gratitude in no small to all the comrades who enthusiastically came forward to help in revising the Book

“The comrades who took special pains are:-

Comrades K.Janardhanam, R.Billy Danile Joseph, A.Charles, R.Kameswaran, M.Pathasarathy, J.Jaikumar,

V.K.Ramesh, R.Kassturirangan, P.Ashok Kumar, J.Rajalakshmi, T.Lakshmanan, K.Premalatha, M.Sundaresan,

C.M.Manoharan, Azeez Ahamed and S.Krishnamurthy of Personnel Administration Department, Mythili

Krishnaswamy and R.Anima MalaMangai of Official Language Department, K.Narendaran of Retail Marketing

Department, P.S.V.Narasimhan of Management Services Department and S.Gunalan of Regional Office, Chennai

(Metro).

We also acknowledge the ceaseless efforts put in by Com.B.Srinivasan (Assistant Treasurer) together with Comrades

P.Vijayasenan (Vice President), S.Nandakumar (Deputy General Secretary) and V.Kumaresan (Joint General

Secretary – Tamil Nadu & Pondicherry) in collecting and compiling the materials from various quarters. They were

well assisted and guided by Com.J.D.Sharma (Joint General Secretary – All India). Com.R.Muthukumar (Treasurer)

and Com.T.Murali Soundararajan (Assistant General Secretary-Central Office),. They were also assisted by

Com.N.Sekar and Com.P.Sampathkumar (Assistant General Secretaries – All India). We are thankful to

Com.K.S.Rengarajan, Former Treasurer for editing this Book. Comrade, S.B.C.Karunakaran’s timely suggestions

have added for editing this Book. Comrade.S.B.C.Karunakaran’s timely suggestions have added value to the

contents of the book. We also acknowledge our Office staff who did the preliminary typing work of this book. We

acknolwdge the excellent work done by M/s Powerfull Printers P. Ltd. more specially their staff of computer

section for the speedy publication of this book within a short span of time. We also thank the speedy publication of

this book within a short span of time. We also thank M/s Colour Point for their excellent work in making more

meaningful and attractive cover pages in consultation with Mrs.Uma Subramanian, Deputy General Secretary.

We trust that this book will receive all your appreciations. Should you have any suggestions to improve the book,

the same are welcome.

With regards,

K V ACHARYA

General Secretary

K ANANDAKUMAR

President


Living Organisations do not grow old but they grow in fame, reach stature and size. Commenced business with justthree branches on the 10th February, 1937 by our ever revered and ever remembered Visionary Founder, Sri. MCt.M.Chidambaram Chettyar. When many Banks which were already well established but could not dare to think ofgrowing into an international Bank, our Founder had the conviction and courage to give our Bank the name “ TheIndian Overseas Bank Limited”. Limited in name but unlimited in its dreams and boundaries.

“Ordinary Mortals have to sleep to have dreams But Visionaries lose sleep to have and realise their dreams”

Keeping the above in mind, our Bank though entered late in the Indian Banking scene, has become the latest in everyareas.

Our Bank is now functioning with 3335 Branches and 49 Regional Offices in India. In addition to this, our bank has 8branches and 3 Representative Offices and 2 Remittence Centre in overseas.

Our Bank has many FIRSTS to its credit :

� The only Bank to commence business with branches simultaneously opened in semi-urban,metro and overseas centres.

� The only Bank to have been nationalized in less than 40 years of its existence.

� The Bank which introduced “Merchant Banking” first.

� The Bank which introduced “Consumer Finance” first.

� The only bank in Public Sector which declared the “Highest Bonus” ever consecutively fortwo years to its employees.

� The first bank to get ISO Certification for its Information Technology Department.

� The only bank having its own “ in-house software” for its banking operations.

� The only bank which made the fastest “turnaround” to move from the bank that posted highest loss in post reform era TO become one of the first bestowed with autonomy and tobecome a numero uno.

� One of the few banks where the Officers ( of IOBOA ) donate to Prime Minister’s ReliefFund out of their salary and not by debit to P&L account by surrendering Privilege Leave.

� The only Bank where the recognised trade unions (our Association IOBOA and AIOBEU)subscribed to Bank’s I P O and campaigned for it’s thundering success.

I O B is a bank with a vision and the workforce always keep the vision as their mission. The mission of IOBIANs isto seat our Bank within the top 5 among the Nationalised Banks before the end of the year 2020.

Challenges are aplenty ahead of us. Conventional banking alone will not suffice to improve productivity and profitability– this is the essence of the present direction – we resolve ourselves to excel yet again.

IOBIANs always have the Potential; IOBIANs always have the Commitment; IOBIANs always have the Conviction.If all the above manifest in positive action with proper direction from our Chairman and Managing Director and

Executive Directors, the vision of achieving a place among top 5 nationalised banks is not a tough task.

“Good people to Grown with And Touching hearts Spreading Smiles since 1937”


ORGANISATIONAL SET UP

P R E S I D E N T GENERAL SECRETARY TREASURER

Sr. Vice President (2) Sr. Joint General Secretary (1) Joint Treasurer

Vice President (2) Joint General Secretary (2)

Senior DGS (3)

Senior DGS (Lady Rep.) - 1

Field Level

Joint General Secretary - Zonal (7)

Deputy General Secretary (Cluster of Regions) - 13

Assistant General Secretary (Regions) - 49

Assistant General Secretary (Ladies) - 4

Assistant Secretary - 1

In the initial days, there was no trade union to present Bank Officers. They represented their voice through ALL

INDIA OVERSEAS BANK EMPLOYEES’ UNION, the workmen union. Hence, Officers of those days

were members of the workmen union and had Office bearers to represent their voice. This arrangement began

to face certain operational difficulties as the both Officers and Workmen began to grow in number in our Bank.

In order to ease out thedifficulties,Com.C.R. Chandrasekaran and Com.P.Balagopala Menon, leaders of AIOBEU,

mooted the idea of forming a separate union for Officers with initial sustenance to be provided by the workmen

union. The translation of this idea saw the birth of Indian Overseas Bank Officers’ Association (I O B O A) in the


year 1966. The leadership and guidance to IOBOA was initially provided by AIOBEU.

Com. K.V.Balasubramaniam, the Vice President of the Workmen Union was nominated

the CONVENOR of Officers’ Association. The umbilical cord continued till 1972 to tide

over the teething difficulties, the onslaught of the bank and the mischiefs of a rival Association.

The zeal and conviction of the leadership of IOBOA with initial assistance from AIOBEU

helped it grow from strength to strength.

Within a short period of it’s birth, IOBOA had to plunge into an indefinite strike along with

ABIOBEU in the year 1970. The strike was historic as it is the longest strike in IOB even

till day, with reason for not any financial demand but to uphold right and dignity of Trade

Union. In the midst of this strike, the first Conference of our Association was held. Unmindful

of punitive action by the then Management, Com.V.S.T.Kumaraswamy became the first

President and Com.K.V.Balasubramaniam , Founder – Convenor – become the first

General Secretary of our Association.

Our Association was recognized by the Management in the year 1973.

Since then, our Association grew from strength to strength. In the year 1972 Com.

K.V.Balasubramaniam, the founder General Secretary of the Officers’ Association was

appointed as Director of IOB in the capacity of Officer Nominee. He handed over the

baton to Com.V.S.T.Kumaraswamy who held the position till 1981. This duo led the

Organisation till 1981 when they voluntarily retired from contesting the election.

On their demitting office, Com.P.A.Kumaradevan and Late T.V.Ramamurthy became

President and General Secretary respectively for the term 1981 – 1983. They were

succeeded by Com.M.R.Gopinatha Rao & Com. B. Ramji for the period 1983-87 and

1989-1991.

During the term 1987 – 1989 Com.C.R.Chandrasekaran who conceived the idea of an

organization for Officers, became its President pairing with Com.V.N.Ravindranath Rao,

as General Secretary. During this time an unparalleled militant struggle was launched which

resulted in concept of CCC meeting with the Bank for benefits outside the purview of

settlement. Com. C.R.Chandrasekaran is instrumental in steering the organization to get

affiliated to All India Bank Officers’ Confederation ( A I B O C ) and the same was hailed

by all as a wise decision. As a member of small committee on Pension, he planted the seed

of Pension, which we have harvested in 1993.


From 1991 to 2002 Com.M.R.Gopinatha Rao as President and Com. K.V.Acharya as

General Secretary lead the Organisation. The duo lead the organization interruptedly

winning the hearts of members through their direction, devotion and result oriented innings.

Com.K.V.Acharya is the only other General Secretary next to Com.K.V.Balasubramaniam,

founder General Secretary, who had a long innings of 14 years uninterruptedly. After a

lapse of 11 years, the organization was again represented in Bank’s Board by

Com.K.V.Acharya) 1992 – 1995) followed by Com.M.R.Gopinatha Rao (1995 2000 ),

Com.K.Anandakumar (2002 – 2005), Com.J.D.Sharma (2006–2009) and presently by

Com.K.Anandakumar. Their contribution on the Board won acclaim not only from the

members of the Board but also from the officer community and the management. The

seed of Pension, planted by Com.C.R.Chandrasekaran fructified when Com.K.V.Acharya

along with other leaders signed the Pension settlement in October 1993. The anomaly in

Pension was rectified in the 5th Settlement in 2002. Com.K.V.Acharya was a signatory to

this settlement. IOBOA is proud that one of its principal Office bearers, Com.K.V.Acharya

was a member of the AIBOC Core committee for wage negotiations and signatory to the

6th Bipartite settlement.

On retirement of Com.K.V.Acharya, the leadership was succeeded by Com.J.D.Sharma

as President and Com..K.Anandakumar as General Secretary of IOBOA. Their leadership

in the past six years have brought many changes in the benefits to the membership. Increase

in Quarters / rent eligibility, conveyance reimbursement, loan quantum in various loan

schemes to staff members and ensuring job security in vigilance issues. In the field of

promotions, the duo has made history with more than 1500 promotions during this year

2011 from JMG Scale I to SMG IV, which is unheard in any bank in the past two decades.

The duo’s leadership period has made all the required support to the parent organization in

the issue of “one more option for pension” and Com.K.Anandakumar, General Secretary

was one of the signatories to the 9th Bipartite Settlement which clinched the momentous

and historical achievement of Second Option for Pension also.

AIBOC – All India Bank Officers’ Confederation is the undisputed representative of Bank

Officers Community commanding more than 85% of membership. Indian Overseas Bank

Officers’ Association with cent percent membership in Indian Overseas Bank is in the

Vanguard of AIBOC and always is represented in AIBOC’s important Committees and

Movements.

IOBOA is not only in the forefront of Bank Officers Trade Union movement but is also a

fore runner in launching several project for the society at large.


1. Constructed and donated three School Buildings to the poor children in the

most backward districts of Orissa, devastated by Super Cyclone.

2. Donated a building near Madurai at a cost of Rs.20.00 lacs (Twenty lacs

only) for the Mentally Challenged children.

3. Organised a Handloom Exhibition in the 2002 conference when weavers were

starving without income. The campaign fetched 3 times the sales expected by

the government agencies. The exhibition was held successfully once again in

2005 conference also.

4. One of the Founder Trustees along with the Management and Union in formation

of Bank’s SAKTHI TRUST for developing women entrepreneurs. Our

contribution so far is Rs. 4.75 Lacs.

5. Out of the contribution and subscription from the members, IOBOA has built

2 Guest Houses, one at Chennai and the other at Hyderabad , for the

comfortable stay of members whenever they visit these places (for details,

refer to the relevant chapter in this book)

6. Donation of Rs. 10 lacks for school buildings for the poor children of fisher-

folk at Padubidri, Karnataka.

7. Donation of non-conventional energy based project (solar-powered lighting

for streets and hamlets) at Kanadukathan, birth-place of our bank’s Founder

Shri.M.ct.M.Chidambaram Chettyar. The village is very near to Karaikudi,

the birth-place of our bank.

8. IOBOA dedicated its 40th years of existance to Eradication of Child Labour.

9. IOBOA dedicated its 50th year of existance to upliftment of institutions for

physically challenged. Donated Maruti Eeco Van to Balavihar, Kilpak, Chennai

Indian Overseas Bank Officers’ Association is a non political trade union and affiliated to

All India Bank Officers’ Confederation, which is also a non political organization. The

Office – bearers of IOBOA are from its members and no leader is drawn from outside. It

is the sole bargaining agent of Officers in Indian Overseas Bank with 100% membership

with no other rival organization. The Association is active both in bargaining and non

bargaining activities. The Association, with its committed leadership and office bearers,

has deeply involved itself in the growth of the Bank and the members.


1 Role functions of Officers at various levels ................................................................................... 15

2 Functions of Personnel Administration Department at Regional / Central Office .......................... 27

3 Take Over of Branch as First Line - Formalities ........................................................................... 31

4 Promotion Policy ............................................................................................................................. 36

5 Salary Structure & Allowances ...................................................................................................... 62

6 House Rent Allowance ................................................................................................................... 75

7 Halting Allowance .......................................................................................................................... 81

8 Officiating allowance, Split duty allowance Hill & Fuel allowance, ............................................... 85

Deputation allowance, Special area allowance

9 Travelling Allowance ...................................................................................................................... 94

10 Reimbursement of Conveyance Expenses ................................................................................... 102

11 Reimbursement of Entertainment Expenses and Cost of Newspapers ........................................ 107

12 Leave ............................................................................................................................................ 109

13 Leave Travel Concession .............................................................................................................. 119

14 Quarters and Furniture ................................................................................................................. 132

15 Welfare Schemes ......................................................................................................................... 139

16 Staff Welfare Fund ....................................................................................................................... 143

17 Staff Training ................................................................................................................................ 149

18 Provident Fund contribution /Loans / Withdrawal ........................................................................ 155

19 Various Loans to Staff Members ................................................................................................. 158

20 Cash Incentive for Passing Various Hindi Examinations .............................................................. 200

21 Medical ......................................................................................................................................... 204

22 Mile Stone Scheme ....................................................................................................................... 243

23 Terminal Benefits & Calculation of Gratuity ................................................................................ 245

24 Staff Pension Scheme .................................................................................................................. 251

25 Compassionate Appointment / Ex-Gratia Payment ...................................................................... 276

26 Preventive Vigilance ..................................................................................................................... 303

27 IOBOA Welfare Scheme ............................................................................................................. 317

28 IOBOA Guest House at Chennai & Hyderabad .......................................................................... 321

29 Indian Overseas Bank Staff Co-operative Credit Society Ltd ..................................................... 325

30 Income Tax on salary ................................................................................................................... 331

31 New Pension Scheme (NPS) ....................................................................................................... 337

32 Entitlement of Probationary Officers ........................................................................................... 343

Documents

Hand Book on Duties and Rights - 2017 · We acknowledge the excellent work done by M/s Creative Studios, M/s Powerful Printers Pvt. Ltd. and M/s P M Digitals for excellent designing