Scheme for Payment of Pensions to Central Government Pensioners by Authorised Banks

Scheme for Payment of Pensions to Central Government Pensioners by Authorised Banks – Scheme Booklet by CPAO

Government of India

SCHEME FOR PAYMENT OF PENSIONS
To
CENTRAL GOVERNMENT CIVIL PENSIONERS
By
AUTHORISED BANKS
(Fifth Edition, July 2021)

Issued By Ministry of Finance
Department of Expenditure
O/o the Controller General of Accounts

CENTRAL PENSION ACCOUNTING OFFICE

PREFACE TO FIFTH EDITION

This is the fifth edition of the book on “Scheme for Payment of Pensions to Central Government Civil Pensioners by Authorised Banks” since inception of the CPAO on 1st January, 1990. In the course of the last thirty one years based on our experience, interaction with Reserve Bank of India, the 17 Authorised Banks and suggestion from Pensioners’ Association we have been endeavoring to refine and update this booklet with the approval of Controller General of Accounts. The Operating and Accounting Procedure for Central Pension Processing Centres of Authorised Banks for Pension Disbursement to Central Government (Civil) Pensioners have also been merged in this edition. This edition incorporates all correction slips, updations and procedural amendments during the period and the relevant Office Memoranda issued by DoP&PW apart from the provisions to ease the credit of pension/family pension to the accounts of pensioners/family pensioners.

We would recommend that every CPPC of all Authorised Bank disseminates this booklet to all the Pension Account Holding Branches (PAHBs) and its link cell and conduct capacity building so that the staffs are fully conversant with the updated procedures and formats. The Scheme Booklet will also be available at the website of the Central Pension Accounting Office from where it may be viewed and downloaded.

Suggestions for further improvement of this Booklet are welcome.

(ROKHUM LALREMRUATA)
New Delhi Chief Controller (Pensions)
29th July, 2021 Central Pension Accounting Office

Glossary

1	AB	Authorised Bank
2	AP	Additional Pension
3	AG	Accountant General
4	AIS	All India Services
5	ATM	Automated Teller Machine
6	BSR	Basic Statistical Return
7	C&AG	Comptroller & Auditor General of India
8	CA	Controller of Accounts
9	CAM	Civil Accounts Manual
10	CAS, Nagpur	Central Accounts Section, Nagpur
11	CBS	Core Banking Solution
12	CC(P)	Chief Controller (Pension)
13	CCS(Pension) Rules	Central Civil Services (Pension)Rules
14	CGA	Controller General of Accounts
15	CGHS	Central Government Health Scheme
16	COMPACT	Comprehensive Payment and Accounting Software
17	CPAO	Central Pension Accounting Office
18	CPPC	Central Pension Processing Centre
19	CRA	Central Record keeping Agency
20	C/S	Correction Slip
21	CTR	Central Treasury Rules
22	CVP	Commuted Value of Pension
23	DA	Dearness Allowance
24	DR	Dearness Relief
25	DMS	Date-wise Monthly Statement
26	Dy.CA	Deputy Controller of Accounts
27	EI Kathmandu	Embassy of India, Kathmandu
28	e-PPO	electronic-Pension Payment Order
29	e-SSA	electronic-Special Seal Authority
30	FFR	Freedom Fighters & Rehabilitation
31	IFSC	Indian Financial System Code
32	GoI	Government of India
33	KYC	Know Your Customer
34	MHA	Ministry of Home Affairs
35	NIC	National Informatics Centre
36	NPS	National Pension System
37	NPS-AR	National Pension System-Additional Relief
38	NRI	Non Resident Indian
39	NRO	Non-Resident Ordinary
40	PAO	Pay & Accounts Office
41	PAHB	Pension Account Holding Branch (also known as Home Branch)
42	PARAS	Pension Authorization Retrieval & Accounting System
43	PBOR	Personnel Below Officer Rank
44	PDA	Pension Disbursing Authority
45	PFMS	Public Financial Management System
46	PPO	Pension Payment Order
47	PPPO	Provisional Pension Payment Order
48	PSA	Pension Sanctioning Authority
49	PSBS	Public Sector Bank Suspense
50	RBI	Reserve Bank of India
51	SBI	State Bank of India
52	SFF	Special Frontier Force
53	SMS	Short Message Service
54	Sr.AO	Senior Accounts Officer
55	SSA	Special Seal Authority
56	UT	Union Territory
57	WRPS	Web Responsive Pensioners’ Service

Table of Contents

Sr. No.	Heading	Page No.
1	SHORT TITLE AND COMMENCEMENT	9
2	BROAD FEATURES OF THE BANKING ARRANGEMENT	9
3	EXTENT OF APPLICATION	13
4	MODE OF CREDITING PENSION IN PENSIONER’s/FAMILY PENSIONER’s ACCOUNT	14
5	DEATH/RETIREMENT GRATUITY	15
6	AUTHORITIES COMPETENT TO ISSUE PPOs	15
7	ACCOUNTING AUTHORITY THROUGH WHOM PPOs HAVE TO BE TRANSMITTED TO CENTRAL PENSION PROCESSING CENTRE (CPPC) ETC	18
8	RECORD OF TRANSFER OF PPOs	20
9	PROCEDURE FOR SWITCH-OVER OF PENSION PAYMENT FROM PAOs/TREASURIES TO AUTHORISED BANKS	21
10	INFORMATION TO PENSIONERS	22
11	ROLES AND RESPONSIBILITIES OF CENTRAL PENSION PROCESSING CENTRE (CPPC )	23
12	ROLES AND RESPONSIBILITIES OF HOME BRANCHES (PENSION ACCOUNT HOLDING BRANCHES)	28
13	ACTION BY CPAO ON RECEIPT OF THE SCROLL AND ITS RECONCILIATION AND ACCOUNTING	34
14	CERTIFICATES TO BE FURNISHED BY THE PENSIONERS/FAMILY PENSIONERS	37
15	PROCEDURE FOR TRANSFER OF PENSION PAYMENT FROM ONE BRANCH/BANK TO ANOTHER	42
16	PAYMENT OF PENSION TO N.R.I. PENSIONERS	44
17	OPENING THE BANK ACCOUNT AND FACILITY FOR WITHDRAWAL OF PENSION TO SICK AND PHYSICALLY HANDICAPPED PENSIONERS	47
18	PAYMENT OF DEARNESS RELIEF TO PENSIONERS	48
19	COMMUTATION OF PENSION	48
20	REVISION OF PENSION	50
21	PROCEDURE FOR PAYMENT OF ARREARS	51
22	FAMILY PENSION	53
23	CANCELLATION OF PPO	56
24	ADDITIONAL PENSION ON ATTAINING THE AGE OF 80 YEARS	58
25	GRIEVANCE REDRESSAL SYSTEM IN CENTRAL PENSION PROCESSING CENTRE (CPPC)	60
26	PERFORMANCE MANAGEMENT	60
27	MISCELLANEOUS PROVISIONS (FOR PENSIONERS AS WELL AS FAMILY PENSIONERS)	61
28	POST-PAYMENT CHECKS	62
29	AUDIT OF PENSION PAYMENTS DISBURSED BY AUTHORISED BANKS	63
30	LIST OF PAOs AND CODES	63
31	WITHDRAWAL OF FACILITY OF BANKING TREASURY	63
32	RELEVANT PROVISIONS OF THE CTRs	64
33	NATIONAL PENSION SYSTEM (NPS)- REVISED GUIDELINES	64
34	Annexure I: LIST OF AUTHORISED BANKS FOR DISBURSEMENT OF CIVIL PENSIONS	66
35	Annexure II: FORMAT FOR ADDITION OF NEW BRANCHES/ CHANGES (UPDATION OR DELETION) OF EXISTING BRANCHES IN CPAOs BANK CODE	73
36	Annexure III: RBI INSTRUCTIONS: PENSIONERS ACCOUNTS IN BANKS	76
37	Annexure IV: CERTIFICATE FOR MEDICAL EXPENSES OF FORMER PRESIDENTS / VICE-PRESIDENTS	77
38	Annexure V: CERTIFICATE FOR TRAVELLING EXPENSES FOR MEDICAL CHECK UP OF FORMER PRESIDENTS / VICE-PRESIDENTS	77
39	Annexure VI: CERTIFICATE FOR MEDICAL EXPENSES OF SPOUSES OF FORMER PRESIDENTS / VICE-PRESIDENTS	79
40	Annexure VII: CERTIFICATE FOR TRAVELLING EXPENSES OF MEDICAL CHECK UP OF SPOUSES OF FORMER PRESIDENTS / VICE- PRESIDENTS	79
41	Annexure VIII: FORM OF CENTRAL DATA BANK AT CPAO	81
42	Annexure IX: INDEX REGISTER OF PENSION PAYMENTS AUTHORISED THROUGH BRANCHES OF THE AUTHORISED BANK	82
43	Annexure X: APPLICATION FOR SWITCHOVER OF PENSION PAYMENT THROUGH AUTHORISED BANK	83
44	Annexure XI: ELECTRONIC FORMAT FOR PENSION PAYMENT SCROLL	85
45	Annexure XII: FORMAT OF ACKNOWLEDGEMENT (XML)	93
46	Annexure XIII: LIFE CERTIFICATE	95
47	Annexure XIV: NON-EMPLOYMENT/RE- EMPLOYMENT CERTIFICATE	96
48	Annexure XV: SELF-CERTIFICATION BY THE FAMILY PENSIONER THEMSELVES	97
49	Annexure XVI: ELECTRONIC FORMAT-F FOR REPORT ON CHANGE OF STATUS OF PENSION	98
50	Annexure XVII: LIST OF FILE VALIDATION ERROR	100
51	Annexure XVIII: ACKNOWLEDGEMENT FORMAT – 1 (FROM CPAO TO CPPC)	101
52	Annexure XIX: ELECTRONIC FORMAT FOR CONFIRMATION STRING (FROM CPAO TO RBI)	102
53	Annexure XX: DISCREPANCY REPORT FORMAT (FROM CPAO TO CPPC)	104
54	Annexure XXI: LIST OF LOGICAL ERROR	107
55	Annexure XXII: DETAILED DISCREPANCY FORMAT (FROM CPAO TO CPPC)	110
56	Annexure XXIII: ELECTRONIC FORMAT – G ERROR SCROLL FORMAT (FROM CPPC TO CPAO)	113
57	Annexure XXIV: FORM H: FEEDBACK FORMAT (FROM BANK TO CPAO)	118
58	Annexure XXV: FORMAT 1; ELECTRONIC FORMAT – DMS FILE	120
59	Annexure XXVI: DECLARATION BY MPs FOR DRAWAL Of PENSION	121
60	Annexure XXVII: CERTIFICATE OF EXPENDITURE	122
61	Annexure XXVIII: OFFICE MEMORANDUM – RECOMMENDATIONS OF THE 5th CENTRAL PAY COMMISSION – PAYMENT OF DEARNESS RELIEF TO RE-EMPLOYED PENSIONERS AND EMPLOYED FAMILY PENSIONERS- DECISION REGARDING	123
62	Annexure XXIX: DUE AND DRAWN STATEMENT FOR REVISION OF PENSION	126
63	Annexure XXX: OFFICE MEMORANDUM – PAYMENT OF ARREARS OF PENSION IN CASES WHERE VALID NOMINATION HAS NOT BEEN MADE UNDER THE PAYMENT OF ARREARS OF PENSION (NOMINATION) RULES, 1983	127
64	Annexure XXXI: SPECIMEN LETTER OF UNDERTAKING BY THE PENSIONER	130
65	Annexure XXXII: FORM OF APPLICATION FOR FAMILY PENSION ON DEATH OF A GOVERNMENT SERVANT OR PENSIONER OR ON DEATH OR INELIGIBILITY OF A FAMILY PENSIONER OR ON DEATH OR INELIGIBILITY OF A FAMILY PENSIONER	131
66	Annexure XXXIII: FIRST TIME IDENTIFICATION PROFORMA	134
67	Annexure XXXIV: FORMAT FOR INTIMATION OF PENSIONER’S DEATH & COMMENCEMENT OF FAMILY PENSION BY CPPC TO CPAO	135
68	Annexure XXXV: CODE NOS. OF PAY AND ACCOUNTS OFFICES OF MINISTRY/DEPARTMENT/ACCOUNTANT GENERAL	136