F.No. 25014/2/2002-AIS(II)Government of India

Ministry of Personnel, Public Grievances and PensionsDepartment of Personnel & Training

North Block, New Delhi - 110001Dated 16th January, 200g

SUbject: Simplification of Procedure for payment of pension and other benefits to AllIndia Service officers retiring from Government of India/State Governments.

I am directed to refer to this Department's letter of even number dated 11th April,2007 on the subject mentioned above. It may be stated that by paragraph 3 of thisDepartment's letter under reference, it was conveyed that detailed operational procedureto be followed by various agencies for preparation of pension papers, issue of PPO andarranging payment and accounting of payments etc. would be issued by the ControllerGeneral of Accounts, Ministry of Finance, Department of Expenditure.

2. In this regard, Central Pension Accounting Office (CPAO), Department ofExpenditure, Ministry of Finance by its letter no. CPAO/AIS/M.F/01/2008-09 dated18/8/2008 has issued the detailed procedure to be followed by various agencies forpreparation of pension papers. A copy of the said letter dated 18/8/2008 of CPAO is sentherewith for information and guidance.

~t-(Harjot Kaur)

Director (Services)Tele No. 23093591

1. All Ministries/Departments of the Government of India.2. Controller General of Accounts, Ministry of Finance, Department of Expenditure.3. Principal Secretary(Finance) of all the State Govemments.4. Accountants General of all the State Governments.5. Ministry of Home Affairs, JS(Police), North Block, New Delhi - 110001.6. Ministry of Environment and Forests, JS(IFS), Paryavaran Bhavan, CGO Complex,

New Delhi.

7. Ministry of Finance, JS(Pers), D/o Expenditure,North Block, New Delhi-110001.8. Additional Secretary, Department of Pension and PW, Lok Nayak Bhavan, New

Delhi.9. NIC, Department of Personnel & Training, North Block, New Delhi - 110001 with

the request to put on this circular on the website (Homepage>Circulars/Reports>Services Division) immediately

Copy also to :-1. PPS to Secretary(Personnel)/PPS to EO/PPS to AS(S&V)/PPS to JS(E)/PPS

to JS(AT&A)/PPS to JS(Vig.)2. All officers/sections of Department of Personnel & Training.

b\~Director (Services)

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GOVERNMENT OF INDIAMINISTRY OF FINANCE

DEPARTMENT OF EXPENDITURECENTRAL PENSION ACCOUNTING OFFICE

INTERIM CENTRAL RECORD KEEPING AGENCYTRIKOOT-II, BHIKAJI CAMA PLACE,

NEW DELHI-11 0066PHONES: 26174596, 26174456, 26174438

I.V.R.S, NO. :26715108, 26715109,26715110,26715112

Sub: - Procedure for Payment & Accounting of Pcnsion dc in rcspect of All India Servicesofficus rctil-ing from Govcl'nmcnt of India/ State Government.

Sir/Madam,A reference is invited to nOPT OM No. 25014i2/2002/AIS (II) dated ]1-04-200}

wherein it was decided that: - ../3. Government of India would tak~over the entire pension liabilities or AIS officCl's who

had already retired or would he retiring either {'rom State C;overnmcnt or CentralGovernment. i

4. All retiring AIS officers & existing pensioners would uniformly have the option todrawing the pension through the Government or India or through Slate (JoVl~rnmcnl onwhose cadre they arc borne.The detailed procedure to be follO\ved by various agencies tl)/, prep"ratiotl or pctlsion

papers as approved by C&AG <Jndthe CGA is enclosed,The PAOs I DAs are required to prepare thL' both IHtlvcs 01 PPO in White Colour 011]) il1

respect or AIS omens. The Cadre / State! Haleh to which the AIS officers belong shoulu heclearly mentioned in SSA as \vel! as both halves of the PPOs.

Stale Governments are requested to send the name or the Designated Authority at theearliest. Further the budget may send to this ollice by all Designated Authorities latest by 15111

Sep. 200S. enclosing prescribed forms duly tilled.Please ensure that the guideline I procedure arc /()llowed strictly by PAOs / D./\.s Illr

smooth disbursement of pension to A IS ot'licers and its proper budgeting and accounting.

;:U:~~l'Lt::(T,-ipti P. Ghosh)

Contr"oller of Accounts

I'H.OCEUURE FOR PAYMENT AND ACCOUNTING OF PENSIONS TO ALL INDIA

SERVICE OFFICERS

Earlier the payment of pension ''to All India Service OHicers was b(;~ingmade hy the respective State Governments on whose cadre tho'se officers wereborne. After considering the difficulties experienced by these olTicers in receivingpayment of pension and with a view to simplifying the procedure it was decided bythe Covernmcnt of lndia that the A1S ol1icers who were on deputation with theCentral Government could opt for payment or pension and other retirement benditsthrough the Central Government. As a measure of further simplification of pensionpayments, Department of Personnel & Training vide their OM No. 25014/212002-AIS (II) dated 11th ApriL 2007 took the following decisions:-

(1) Government of India would take over the entire pension liability of AIS011icers, \\1110 had already retired or would be retiring. either from the StateGovernments or ii'om the Central Government.

(2) All retiring All India Service Officers and the existing pensioners woulduniformly have the option of drawing pension through the Government ofIndia or through the State Government on whose cadre they are borne.

~mcnt of pension to All India Sen'icc Officers

With a view to implementing the above decisions of the Government andensuring smooth disbursal of pensions and its prompt accounting, the followingnc\.\' system is prescribed which comes into effect from 1sl ApriL 2008.

A. Proccdur"c to be followed in cases where payment IS sought from theCentral Government.

At present. Accountant General authorizes pension in 18 out of 28 statesand in the rest. this function is discharged by the Director of Pensions or othersimilar authority (Mentioned in Annexure 1). However. under the nev-. scheme. allthe States/AsG. will have to nominate/appoint a Designated Authority (I).A.) intheir respecti';e State who \vill be authorized to issue PPOs ill respect or AISOfficers retiring from their States. DAs will forward the same to Central PensionAccounting Office (CPAO), Department of Expenditure, Ministry of Finance. \Vll0

is responsible for arranging payment of pension etc. in respcct of AIS officersthrough Banks.

(b) Each State Govt. will have to intimate the Designated Authority (DA) toCPAO.

(c) New Directory code No. has been allotted by the Ollicc of ControllerGeneral of Accounts (CGA) to each Designated Authority and intimated torespective State Government.

(d) An impression of the Special Seal of the D.A. and the Specimen signature(s)of the officer(s) authorized to issue Pension Payment Orders (PPOs), duly attestedwill be forwarded to the Central Pension Accounting Office by the authority whonominate the Designated Authority (DA). In the event of change in the incumbencyof DA the specimen signature of the relieving officer will be sent to the CPAO bythe relieved officer.

OJ' lhe basis of allotinent of Directory Code of the Designated /'ulhoritics.CP AO will allot a slot of 13 digit PPO numbers to each Designated Authority onthe basis of their requirement to enable D.A. to depict the same in the PPOs.

The break up of the 13 digit PPO number will be as follows:-

c--r--

l__J .r

a) State Governments have already been requested to send a statement III

proforma (Annexure-IJ) in respecl of All India Service Pensioners as on31.3.2008 containing information on (]) Number of pensioners includingfamily Pensioners (cadre-wise) drawing pension/Family pension fromtreasuries and Banks & (2) Number of pensioners (cadre-wise) opting todraw pension through State Government or Central Government.

b) Each D.A. will furnish, in the prescribed proforma (Annexure-Ill) thedetails of the A1S officers retiring during the next linanciD] year to ('PAOfor creating a dma bank. budgeting and further processing.

c) Each D.A. will abo suhmit the expenditure eslimak" in respect ur the A1SPensioners loyvards Pension. Family T\;nsion, Commutcd V"lue or Pension.Gratuity & Leave Encashment to lx' 1I1cuned during the nextlinancial yearThen CPAO vIlill prepare Budget estimates for onward transmission lU

Budgct Division, Ministry or Finance ror allotment or runds under therelevant heJds.

d) The information mentioned b) & c) above should reach CPAO by 30111

September of every year.

(a) Designated Authority (DA) will process the pension cases as per theprovisions of the relevant rules and assess the retirement benefits admissibleto retiring ofiicers.

(b) PPOs must reach this office beforc one month of the datc of retirement of. .

the official concerned.(c) He will forward the signed Special Seal Authorities aiong with both the

copies of the PPOs depicting therein the PPO Nos., to CPAO for necessaryaction. as laid dovv']) in Scheme for Payment of Pensions to Central CivilPensioners By Authorised Banks. In case of e-PPOs the digitally signedSpecial Seal Authority may be sent to CP AO. Pensioner's copy (hard copy)will be handed over to the individual direct by the DA.

(d) Commuted Value of Pension (CVP), in case opted for, will be authorized byCPAO and paid through banks in case of Voluntary Retirement cases only.The date of reduced pension starts from the date the Commuted Value hasbeen credited to the pensioner's account.However, once the payment of pension commenced, all further payments asper extant rules such as revised pension. commutation. differential DCRGwill be payable by the paying branch on issue of revised authority by CPAO

Separate heads of accounts lor booking the various benc1its payable to A!SOJ1iens have been opened by CPAO i11 consultLttion uf Budget Division.Mm. of Finance. (DEA) and Office of CCiA. viele Annexure-IV.

(i) On receipt of the relevant information from each DA. the entire budgetrequirement for the next financial year will be assessed by Central PensionAccounting Office and submitted to Budget Division. Department ofEconomic AiTairs. Ministry of Finance for necessary allocation of fundsundeu:ach relevant head of account.

(ii) llowever, during the remaining period of the financial year 2008-2009 thesame procedure will be followed and necessary Supplementary demand vvillbe proposed Cor allocation of Ji..Il1dshom the Budget Division received onrequests by State Governments.

(c) P,-occssing of Pension Pa)'lllenl Authol'iticsl Special Seal Authorities byCPAO;

(i) On receipt of PPOs/e-PPOs and Special seal authorities from the DAs aunique computcrLu.::d diary number will be allotted to each Glse.

(ii) After capturing the data in computer records, the PPOs will be sent to theconcerned authorization section who will apply all necessary checks toensure that the case is in order in all respects.

(iii) After this scrutiny, a special seal authority/ e-SSA will be issued by theAuthorization section for making arrangement for payment of pensionthrough Bank from where the pensioner has desired to draw pension.

(iv) SSA along with both the halves of the PPOs and other relevant papers willbe forwarded to the Link Branch/Central Pension Processing Centre (CPPC)of the concerned bank for making arrangement for payment of pension fromPaying Branch from where the pensioner desires:o draw his pension. Oncethe system of c-PPO and e-SSA is introduced CPAO will transmit the sameto Cppe. After the imioduction of Extension Counter bank (EC Bank) a1CPAG e-PPO/e-SSA ,vi;; be transmitted to them.

With a view to making the process faster a new system of direct crediting ofpension is to be done by a single bank into the pension accounts of the AISpensioners in the Paying branches as proposed under:

(~l) Oi1 receipt of SSAs and c-PPOs lI'om DAs, ('PAO v,'ill capture the uata onits system through special software and generate the requisite e-SSAs drawnon Extension Counter of a Bank (EC Bank) to be situated at CP AO ofTiceitself.

(i) EC Bank will receive from CPAG all the e-SSAs along with both portionsof e-PPOs of the AIS pensioner.

(ii) On receipt of e-PPOs, thc EC -bank will capture the data and send thepensioner's pOJ1ion of the PPO's directly to the concerned paying branches.

(iii) The EC-Bank will make available the image of the disburser's portion ofPPO on their website. They will transmit the pensioner's portion or thePPO to the Pension Paying Branch who will take a print out and hand overthe same to the pensioncr alter proper idcntification with reference to theinformation on the pensioner's copy of the PPO. The disburser's portion ofPPO will be available in the read only f(mmlt sn (1S to avoid tlllllpering 0"

data by any <.luthorily(iv) The EC-bank will work out the amounts payable in respect or each

pensioner and pass on credits on due dates directly to the paying branchesthrough ECS (or any other mode i.e. RTGS, EFT) for crediting the same TO

the account of respective pensioners. The paying branches will credit theamounts to 1he accounts of the pensioners and intimate the Fe hank.

(v) 011 receipt of inf()rmatioll regarding crediting of the amount the EC-bankwill prepare bank-wise daily bank scrolls both physical as well as electronic

and submit the same duly reconciled to CPAO for verilieation. The positionrelating to disbursement of the pension to the pensioners would also beupdated by the Fe Bank on the baSIS of the feedback received from thepaying branches.

(vi) CPAO would verify the scrolls on the same day and issue clearance on-lineto enable the ECbank to claim reimbursement from Reserve Bank of IndiaCAS-Nagpur.

(vii) Simultaneously CPAO will book the expenditure on the basis of the detailsin the scrolls against the budget allocation available under the relevantheads of accounts. Scrolls will invariably indicate the PPO numbers inrespect of the AI S pensioners.

(viii) The pensioners will have to deal with the paying branches alone in relationto their pension related matters. The pension paying branches wil] also beresponsible for obtaining the required certificates. " Life certification" ofpensioners at paying branches every year in the 1110nthof November will becommunicated by paying branches to Be-bank at CPAO preferablyelectronically, br by fax or post. Any change relating to payment of pensionnamely death of pensioner, change in marital status, remarriage, re-employment, change in address etc should be also be intimated to EC-Bank.

(ix) Pension for the month of November will be credited by EC-bank only onreceipt of Life celiiticate as in the present system.

Till the systenl stated in para no.6 is put IJ1 place. the existing syslcmdetailed belo"" will continue:-

i) CP AO will- send the PPOs/SSAs to link . Branches for onwardtransmission to paying branches.

ii) The banks will follow a procedure similar to that followed in respect ofCentral Civil Pensioners for payment of pensions at paying branch levelvide Scheme For Payment Of Pension To Central Civil PensionersThrough Authorised Banks.

iii) The banks will prepare separate scrolls depicting therein thedisbursement of pensions to AIS Pensioners (it is chargeable to CentralGovernment irrespective of the fact that whether the officer has retiredfrom State Government or Central Government) to the ('PAO.

iv) AIS pensioners will have to opt for any of the banks authorized forCentral Civil Pensioncrs.(Anncxurc V)

v) Those banks which haw already switched over to Ccntralized PensionProcessing System (CPPC) may send c-scrolls in addition to physicalscrolls.

vi) In the cases where pros have been routed through CP A0 procedure fc)rtransfer of payment of pension Jj·om one 11;111].; to another \vill remain the

same as laid down in Scheme for Payment of Pension to CentralGovernment Civil Pensioners by Authorized Banks.

vii) Dearness relief is payable by the bank directly In addition to pension /family pension as per rates notilied from time to time subject to theproduction of non-employment certi licatc by the pensioner

(b) Procedure to be followed in cases where AIS officers J'ctire from CentralGovernment

In cases, where AIS officers who retire while on deputation to CentralGovc.nmer;.t, the Pay & Accounts Officer of the Ministry/Department concernedwill process the pension papers and issue PPO. The existing procedure for routingof Pt ,<:; and payment (as mentioned in CGA'::, letter no.l(7)/AIS/2004/TA/463dated 13.8.2004 - Annexure- V j will continue. I-I, wever. since the Government ofIndia have taken a decision to accept the liability on aCCOUI1lof these pensions etc.,payment scrolls will be sent by banks to CPAO. instead of State AsG.

(c) Procedure to be followed in cases where AIS officers retire from StateGovernment and seek payment through State governments:

Prior to 1-4-2008, the pension liability in respect of All India ServiceOfficers was borne by the State Government concerned. With effect from 1-4-2008these payments will be initially paid by State Governments and booked under thesuspense heads. Reimbursement will be obtained by the State AsCi hy r31S1ngclaims against Central Pension Accounting Olliee. NeVi Delhi.

In case of those AIS officers who are now drawing pension from SlateTreasury and opt for switchover to draw pension from the Banks, theDesignated Authority of the State will arrange to get PPOs from thetreasuries. They will then prepare .a new PPO (assigning new PPO numbersallotted by the CPAO) after cancelling the old one and forward the same toCPAO for further transmission to the Banks for payment or pension. Acertificate indicating the period lip to which pension was paid wili berecorded therein and the future date of payment indicated. Theseinstructions are also appJicabk to the Family Pension cases in respect 01'deceased All India Service Officers.

Many of the All India Service Officers are drawing their pension from thebanks arranged by the respective State Government iJnd these paymen1s arcno\\ charged to the accoLint or the respec\lye Stale (i()vernmcnls. Since theCioYernlllent of India has decided to take over the eJltire liability of AJS

officers the Designated Authorities (DA) will call for the PPOs and preparefresh PPOs aftcr cancelling the old one and forward the same to CPAG foronward transmission to the Banks for making arrangement for payment ofpension/family pension to the pensionl:rlfamily pensioner. A certificateindicating the period lip to which pension/family pension was paid will berecorded therein and the future date of payment indicated.

***********

State where AG Authorizes S. No. The State where pension work IPension has been taken over by States I

and tbe date from which the IState GOVl has taken over the I

Iwork. has been indicated in I

I brackets, -iL1-· I-Andhra:~:de:~,_-_·_-~_-_-~_-__·_-tl~~~_I~~;;naCI~alPr--a"d-e"s---h-""-(-1-.4---19-8-9)-- II 2hssam· , 2 Gujarat( L J.l988) ii-, -ri Bihar r' I Goa (ab-initio) --1I 4 I Haryana I 4 I Madhya Pradesh (1.1.1996) IHHimachal Pradesh ---1--5-1Mizor~n;(i31983) ~

I

S.No.

! I I

6 Jammu & Kashmir 6 Rajasthan (1.12.1979)III

.,-----_.I .

-~i . ------.-.--

7 KeraJa 7 I Sikkim(ab-initio)i

I: .

II 8 Karnataka I 8 i Uttar Pradesh (1.4.1989)

I 9 I Maharashtra

~ManiPur

-11 Meghalaya

12 Nagaland

--13 Orissa

-14 Punjab

J 5'.

I Tripura

-- ---

r- I ~=-----I Option to draw 0

II~ Category -- I-No. - I State Govt. I Centre Govt.

~.o. i 16L--o-----------J=---+-==-=---±=~==.~: t-f~~9~EO~~~~S~~~l~~_+ . ~---------_1----------- -j-------------~------I~------------------,~-------

I IITo~1 :

SI. No.I 1.

2.

13.

IL .

Ca.!egoryIASIndian Forest ServiceIPS

Drawing from Treasury I Drawing from Banksi 1--

-t------~.-....----·--·~-·-----l --.--..---~..--..I ----_:~-------------------------------~I-----.-----------f-------------i iI -

IIII Total

Note: - A list of AIS officers going to retire within next 24 months to assessthe budget estimates and allocation of funds may also befurnished_

STATE-\VISE LIST OF AUTHORISED BANKS FOR mSURESTMENT OFCIVIL PENSIONS

(i)(ii)(iij)

(i)(ii)(iii)

(iv)(V)(vi)(vii)(viii)(ix)(x)(xi)(xii)(xiii)(xiv)

(i)(ii)( iii)(iv)tV)(vi)(vii)

(i)

(i i)(iii)(iv)(\)(vi)(vii)(, iii)(i,)(x)

(xi)(xii)

State Bank of IndiaSyndicatl' BankUTI Bani,

State Bank of IndiaShlte Bank of HyderabadSyndicate Bani,

Indian Bani,

Union Bank of India

Central Bank of India

Andhra PradeshCorporation Bani,Vijaya Bani,

Canara BankHDFC Bank Ltd')

ICICI Bank Ltd'2

lOBI Bank Ltd'2

UTI Bank Ltd*2

State Bank of IndiaUnited Bank of IndiaUCO BankPunjab N.ltional BankCentral Bank of IndiaAllahabad BankllTI Bani, Ltd

State Bani, of IndiaCentral Bank of IndiaPunjah National bani,Bani, of Indialien BankAllahabad BankUnion Bani, of Indi;jlInill'd Bank of IndiaBani, of BarodaIIDFC Bank Ud!DB! Bank UdUTI Bank LId

The following heads of accounts have been opened to account for this newexpenditure:

2071 Pension and Other Retirement lknd"its (MAJOR I-lEAD)01 Civil (Sub-Major Head)

(I) 101 Supel-annuation and l-etil"Crnent allowances04 Ordinary Pensions (AIS)

04.00.04 Pensionary Charges

(II ) 102 Commuted Value of Pension04 Ordinal-y Pensions (AIS)

04.00.04 Pensionar) Charges

(III) 104 Gratuity04 Ordinary Pensions (AlS)

04.00.04 Pensionary Charges

(IV) 105 Family Pension04 Onlin<ll) Pensions (AIS)

04.00.04 Pcnsionary Charges

(V) 115 Leave Encashment04 Ordinary Pensions (AIS)

04.00.04 Pensional'y~Chargcs

STATE-WISE LIST OF ALJTHORISED BANKS FOR DISURESTMENT OFCIVIL PENSIONS

( i)Oi)(jji)

( i)(jj)

(iii)(iv)(V)(vi)(vii)(viii)(ix)(x)(xi)(xii)(xiii)(xiv)

(i)(ii)(iii)(iv)

(V)

(vi)(vii)

(i)

(ii)(iii)(i\ )

(v)(vi)(vii)(viii)(i\ )

(x)

(\1)

(\ ii)

Slate Bani, of IndiaSyndicate BankUTI Bank

State Bank of IndiaSlate Bank of HydcrabadSyndicalc BankIndian Bani,Union Bank of IndiaCentral Bank of IndiaAndhra PnldeshCorporation Bani,Vijaya BankCanara Bani,1I0FC Bank Ltd'iICICI Bank Ltd')/DBI Bank Ltd'2UTI Bank Lld'2

State Bank of IndiaUnited Bani, of IndiaUCO BankPunjab National BankCentral Bank of IndiaAlhthabad BankUTI Bani, LId

Stale B~lnk of IndiaCenlral Bank of IndiaPunjah NatIOnal hanl,Bani, of Indialien BankAllahabad Bani,Union Bani, of indi.)United Bani, of IndiaBank of BarodaIIDFC Bani, ttdIDBI Bank LIdIiTI Bank LId

~)v6. Chandigar:-h ( i) State Bank of In<!ia

(ii) Punjab National Bank(iii) Central Hank of India(iv) UCO Bank(v) State Bank of Patiala(vi) Hanl, of India(vii) I-IDFC bank Ltd.•viii) ICiCI Hanl, Ltd .(ix) UTI Bank Ltd.

7. Chattisgarh (i) State Hank of India(ii) State Hank of Indore(iii) Punjab National Bani,(iv) Allahabad Bank(v) Central Bani, of India(vi) Union Bank of India(vii) Dena Bank(viii) Hanl, of India(ix) UCO BanI,(x) Bank of Maharashtra(xi) HOFC Bank Ltd.(xii) lOBI Bank Ltd.(xiii) UTI Bank Ltd.

8. Dadra & Nagar Havcli (i) Dena Hank

9. Daman & Diu (i) Stale Hanl, of India(ii) Bank of India(iii) BanI, of Baroda(iv) Ccntral Bank of India(v) Cananl Hanl,(vi) Syndicate Bank

10. Goa ( i) State Bani, of India(ii) Balli, of India( iji) Bank of Baroda(iv) Ccntral Bank orlndia(v) Canara Ha"nl,(vi) Syndicate Hanl,(vii) HOFC Bani, Ltd.(viii) IJ)BI Bank Ltd.(ix) UTI Bani, Ltd.

II. Gujrat ( i) State Bank of India(ii) Dena Hanl,( iii) Bani, of Baroda•iv) Central Bani, of India(v) BanI, of India(vi) Union Bank of India(vii) State Bank of Saurashtra(viii) UCO Bank(ix) HDFC Bank Ltd.(x) IJ)IlI H:lIJk Ltd.(xi) UTI Bani, Ltd.

12. Haryana (i) State Bank of India(ii) Punjab National Hank(iii) Central Rank of India(iv) Syndicate Bank(v) Bank of India(vi) Union Bank of liuJin(vii) State Bank of Patiala(viii) Oriental Bank of Commerce(ix) Sikandarpur Bnlllch of

Corporation Bani, in DLF, QutahEnclave, Curgoan.

(x) HDFC Bank Ltd.(xi) ICICI Bank Ltd. (Gurgoan Only)(xii) lOBI Bani, Ltd.(xiii) UTI Ba nk Ltd.

13. Himachal h'adesh (i) State Bani, of India(ii) Punjab National Bank(iii) LJCO Bani,(iv) State Bank of Patiala(v) Central Bank of India(vi) Union Bani, of India(vii) HDFC Bank Ltd.(viii) LJTI Ban k Ltd.

14. Jammu & Kashmir (i) State Bani, of India(ii) Punjab National Bank(iii) Central Bank of India(iv) LJCO Ballk(vI UTI Bank Ltd

15. Jharkhand (i) State Bank of India(ii) Punjab National Bank(iii) Allahabad Bani,(iv) Central Bank of India(v) Union Bani, of India(vi) Bank of Baroda(vii) Bank of India(viii) UCO Bank(ix) United Bank of India(x) HDFC Bani, Ltd.(xi) lOBI Bani, Ltd.(xii) UTI Hank Ltd.

16. Karnataka (i) Shlte Hanl, or Indin(ij) State Bani. of Mysorc(iii) Canan\ Bani,(iv) Syndicate Hanl,(v) Union Bani, of India(vi) Indian Hanl.(vii) State Ban k of Hyderabnd(viii) Corporation Bani,(ix) Vijaya Hanl,(x) HDFC BHnl, Ltd.(xi) IOHI Bani, Ltd.(xii) UTI Bani, Ltd.

17. Kcrahl (i) State Bank of IndiaIi i) Stale Bani, of Travancorc(Iii) C,mara Bank( il) S;. ndicatc Bank(v) Union Bank of Indi'l(vi) Cenlr<ll Bank of India(vii) Indian Bank(viii) Indian Overseas Bank(ix) Vijaya Bank(x) HDFC Bani, Ltd.(xi) IDBI Bank Ltd.(xii) GTI Bank Ltd.

18. Lakshadweep (i) Syndicate Bank

19. Madh)'<l Pnldcsh (i) Stale Bank of India(i i) State BLlnl, of Indore(iii) Central Bank of Indi"(iv) Bank of India(v) Punjab National Bank(vi) Allahabad Banl((vii) Bani, of Maharashtra(viii) Union Bank of India(ix) UCO Bank(x) Dena Bani,(xi) HDFC Bank Ltd.(xii) IDBI Bank Ltd.( xiii) UTI Bank Ltd.

20. M::lharashtra (i) State Ban" of India(i i) Bank of Malmrashtra(iii) Bank of India(iv) Central Bank of India(v) Dena Bank(vi) Union Bank(vii) Bani, of Baroda(viii) Cananl Bani,(ix) Syndicate Bank(x) UCO Bank(xi) State Bank of Hyderabad(xii) Punjab National Bank( xiii) HUFC Bani, Ltd.(xiv) ICIeI Bani, Ltd.(xv) /DB! Ban" Ltd.(xvi) UTI Bank Ltd.

21. Manipur (il Slale Banli. of Indill(i i) ['lIitl:d Bani, of India(iii) lieO Bank

22. TVleghalya (i) :"tate Balli, of Illdia(i i) United Bank of India(ii i) UCO Bank(iv) Banl\ of Baroda

1 c;

23. M izo I"aIII (i) Stale Bani, Dr India

24. Nagetland (i) Stale Bailie "f India(ii) L nited Bani, of India(iii) LeO Bank

25. Orissa (i) State Hank of India(ii) lIeo Bank(iii) Bank of India(iv) United Bani, of India(v) Indiall (I\'l'rse:!', BanL( vi) Indian HanL(vii) Andllra Bank(viii) Centra! I:a III, of i IIdla(iX) HDFC Balli,; Lid.(x) lOBI BallL Lid(xi) UTI Blink Ltd.

26. Pondichcrr-y (i) Stale Bank of India(ii) Indian Bank(i Ii) lieO Bank(iv) Indian Overseas Hank

27. Punjah (il State Bank of India(ii) Puujab Nationa! Bank(Iii) Central Bank of Indl~1(iv) UCO BanI<(V) Bani, of India(vi) Indian Overseas Bank(vii) State B~llJl,of Paliahl(viii) Oriental Bank of CornnH" "(ix) PunJab & Sind Bank(x) HDFC Hanl, Ltd.(xi) mBI Bani, Ltd.( xii) t'TI BanL Ltd.

2S, Ra.iasthan (i) Stall' Bank of India(ii) Sbltr Bank of BikantT ,,,- ,t,j pili'

(iii) PunJ:lb Natlllllal Bank(i,,) Bani, 01 Baroda(\ ) l!CO Bank(vi) Central Ballk of India(vii) Unioll Balli, of India(viii) H!)F( Ibll" Ltd,i i\) lOBI H"III, 1.ld.

(" ) 1''1'1 Balli, l,tiL

29. Sikkim (i) Sla«' Bank of Illdia(i i) un Bani, Ltd.

30. Tamilnadu ( i) State Hanl, of India(ii) Indian Bank( Iii) Canara Hank(iv) Indian Overseas.Bank(v) Union Bank of India(vi) Syndicatc Bani,(vii) Bank of Baroda(viii) Bani, of India(ix) Central Bank of India(x) Corporation Bani •.(xi) LJCO Bani,(xii) HDFC Bani, Ltd.(xiii) lOBI Bani, Ltd.(xiv) LJTI Bank Ltd.(xv) ICICI Bank Ltd.

31. Tripura ( i) State Bani, of India(ii) United Bank of India( iii) UCO Bani,

32. lJthlranch~ll (i) State BanI, of India(ii) Punjab National, Bank( iii) Allahabad Bank(iv) Central Bank of India(v) Union Bank of India(vi) Bank of Baroda(vii) Bani, of India(viii) Canara Bani,(ix) Oriental Bani, of COllllllercc(x) Syndicate Bank(xi) Punjab & Sind Bani •.(xii) mill Bani,

33. Uttar Pradesh (i) State \,Janl, of India(ii) Punjab National Hank( iii) Allahab.ld Bani,(iv) Central Bani, of India(v) Union Bani, of India(vi) Bani, of Baroda(vii) Bank of India(viii) Canara Bani •.(ix) Oricntal Bank of Comnwrre(x) Syndic<ltc Bank(xi) Punjah & Sind Bani,(xii) IIDFC Hanl, Ltd.(xiii) ICiCI Bank Ltd. (Noida Only)(xiv) mBI Bani, Ltd.(n) UTI Bani, Ltd.

West Bcng~,1 (i)(ii)(iii)(iv)(v)(vi)(vii)(viii)(ix)

(x)

(xi)

(xii)(xiii)

National Capital Territory of (i)Delhi and for Metropolitan cities ofDelhi /New Delhi. Bombay, Calcutta,Banglore, Luck now, Madras &Hyderabad

State Bank of IndiaLJnited BanI, of IndiaLJCO BankCentral bani, of IndiaAllahabad BankBank of BarodaBank of IndiaPunjab National BankLJnion Bank of IndiaI-IIWC 8ank Ltd.ICiCI Bank Ltd.1081 Bani, Ltd.l) ."1 Bani, Ltd.

State Bank of India, its subsidiariesand all authorized banks listedahove.