PRIME BOOK

MTS, POSMAN MAIL GUARD EXAMS

POSTAL KNOWLEDGE
[UPDATES AS PER LATEST SYLLABUS]

PAPER – 1 - COMMON for MTS, POSTMAN / MAIL GUARD EXAMS

POST OFFICE GUIDE – PART 1

PRODUCTS & SERVICES
POSTAL MANUAL VOLUME - 5

PAPER – 2 - SYLLABUS only for POSTMAN / MAIL GUARD EXAM

POST OFFICE GUIDE – PART 1 – Delivery

POSTAL MANUAL VOLUME – 6 – PART III
POSTAL MANUAL VOLUME – 7

Compiled by
 PRIME POSTAL ACADEMY | PAPER 1 - POSTAL KNOWLEDGE – MTS, PM MG Exams

INDEX
CONTENTS PAGE

PAPER 1 – POSTAL KNOWLEDGE – For POSTMAN & MTS Examinations

PAPER 1 – Syllabus 4
PO GUIDE – PART 1 – SECTION 1 - GENERAL 5
POSTAL VOLUME 6 – PART III - DUTIES OF LETTER BOX PEON 55
PO GUIDE – PART 1 – SECTION 3 – OFFICIAL POSTAL ARTICLES 58
PO GUIDE – PART 1 – SECTION 4 – PROHIBITED ARTICLES 65
PRODUCTS & SERVICES - MAILS 70
PRODUCTS & SERVICES - BUSINESS PRODUCTS 113
PRODUCTS & SERVICES - RETAIL PRODUCTS 125
PRODUCTS & SERVICES - BANKING [SAVINGS SCHEMES] 140
PRODUCTS & SERVICES - REMITTANCES 191
PRODUCTS & SERVICES - INSURANCE & PENSION SCHEMES 208
PRODUCTS & SERVICES - STAMPS & PHILATELY 251
POSTAL MANUAL VOLUME 5 – CHAPTER 1 - DEFINITIONS 269

PAPER 2 – POSTAL KNOWLEDGE – For POSTMAN Examination

PAPER 2 – Syllabus 300

PO GUIDE – PART 1 – SECTION 1 - DELIVERY 301
POSTAL MANUAL VOLUME 6 – PART III - CHAPTER 1 - RULES 318
POSTAL MANUAL VOLUME 7 – CHAPTER 2, 4, 5 - RULES 330

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POST OFFICE GUIDE – PART 1

[Corrected up to July 1, 1985]
PREFIX

 Rules and regulations relating to INLAND POST for guidance of customers.

 Guide & its Amendments are issued by Director General of Postal Service [DGPS]
 PO Guide Part 1 – consists 7 Sections & 273 Clauses
 All Clauses in this guide are based on IPO Act 1898 & IPO Rules 1933

Section Clause Heading

I 1 to 95 General
II 96 to 197 Letter and Parcel Posts
III 198 to 208 (deleted) Official Postal Articles
IV 209 to 214 Prohibited Articles
V 215 to 254 Money Orders
VI (new) 255 to 259 Philately
VII (new) 260 to 273 Postal Life Insurances

Easy to Remember: Gold Loan On Post Master’s Personal Property

SECTION 1 - GENERAL
ORGANISATION
Clause 1 Control
Clause 2 Types of Post Offices
Clause 3 Night Post Offices
Clause 4 Mobile Post Offices

ORGANISATION - CONTROL
VISION

India Post’s products and services will be the customer’s first choice.

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No Transit OEs Circle Exchange Countries

1 Airport TMO, Chennai Tamil Nadu All Countries
2 Airport TMO, Bengaluru Karnataka All Countries
3 Airport TMO, Kochi Kerala All Countries
4 Airport TMO, Hyderabad Telangana All Countries
5 Airport TMO, Mumbai Maharashtra All Countries
6. IGI Airport TMO, New Delhi Delhi All Countries
7. Airport TMO, Kolkata West Bengal All Countries
8. Bangaon RS SO West Bengal Bangladesh
9. New Market Jaigaon SO West Bengal Bhutan
10. Amritsar RMS Punjab Pakistan
11. Raxaul SO Bihar Nepal
Foreign Post Offices [FPO]:
➔ An FPO is a PO / MO / OE designated by Customs for clearance of
imported or exported goods of Foreign mails.
➔ Customs duty assessment & Accounting of their jurisdiction or
nearer different OEs redirected foreign mails are done here.
➔ Air FPO – Deals only Air Foreign Articles
No. FPO / OE Mail Handled
1 FPO, New Delhi All
2 FPO, Kolkata All
3 FPO, Bengaluru All
4 FPO, Hyderabad All
5 FPO, Ahmedabad All
6 FPO, Kochi All
7 FPO (Sea), Mumbai Parcels
8 FPO (Air), Mumbai Letter Mails (LCAO), EMS & ITPS
9 FPO (Air), Chennai All (Air route)
10 FPO (Sea), Chennai All (Surface route)

Sub Foreign Post Offices [SFPO]:

➔ Sub FPOs are Independent but supporting office for FPO.
➔ Custom duty assessment and accounting takes place
➔ But it is not an OE; No Exchange of Bags with Foreign Countries.
➔ Sometimes deals only Inward Mails
➔ There are 18 SFPO in India.
North (11) Srinagar, Leh, Ludhiana, Chandigarh, Agra, Varanasi,
Kanpur, Patna, Bhopal, Raipur & Ranchi
East (3) Bhubaneshwar, Guwahati, Shillong
South (2) Vijayawada & Puducherry
West (2) Panaji & Jaipur

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HEAD OF UNITS
Unit Head
Directorate - Level
DOP Directorate Secretary Post
DOP Directorate – Admin Director General [DGPS]
Chief Vigilance Office Senior Deputy DG [Sr. DDG]
Postal Accounts & Finance (Directorate)
APS Additional DG, APS
PLI & PARCEL Directorate Chief General Manager
BD Directorate Chief General Manager / General Manager
CEPT - Bengaluru Chief General Manager
CEPT - Mysore General Manager / Director
CEPT - Others Deputy Director / Asst. Director
RAK NPA Director
Circle - Level
Circle Office (CO) Chief Postmaster General
Postal Accounts & Finance (Circle level) General Manager / Director
Returned Letter Office Manager
Regional - Level
Regional Office Postmaster General
PTC Director
Foreign Post Office [FPO] Director
Mail Motor Services [MMS] Senior Manager / Manager
GPO Director / Chief PM / Senior PM
Unit HO [First Class HO] Chief PM / Senior PM
Second Class HO Senior PM
Non-Gazetted HO Postmaster (PM)
PSD Superintendent of PSD
Division - Level
Postal Division Superintendent (SPO / Sr. SPO)
RMS Division Superintendent (SRM / Sr. SRM)
Postal - Sub Division IP / ASP
RMS – Sub Division IRM / ASRM

Postal Network at a Glance (as on 31.03.2022)

Total Circles 24 Postal Circles 23 Postal Regions 54
PSD + CSD 26 + 1 GPOs 26 PTC 6
Postal Divisions 457 RMS Divisions 69 PA&F 23

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POSTAL INDEX NUMBER [PIN]

 PIN Code: 6 Digits
 Introduced on Aug 15, 1972 by SHRIRAM BHIKAJI VELANKAR,
additional secretary of Ministry of Communications. He is called as
Father of PIN Code System in India.
 The system was introduced to simplify the manual sorting and delivery
of mail by eliminating confusion over incorrect addresses, similar
place names and different languages used by the public.
 All Post Offices should have PIN Code.
➔ Separate Dedicated PIN Code: All Delivery HOs & SOs
➔ Shared PIN Code Offices: Non-Delivery HOs, SOs & All BOs

Region 1st Digit 1st & 2nd Digit Circle & Island Covered
11 Delhi
12 - 13 Haryana
1 14 - 16 Punjab
Northern 17 Himachal Pradesh
18 - 19 Jammu & Kashmir
20 - 26 Uttar Pradesh
2
27 - 28 Uttarakhand
30 - 34 Rajasthan
3
36 - 39 Gujarat
Western 40 - 44 Maharashtra
4 45 - 48 Madhya Pradesh
49 Chhattisgarh
50 Telangana
5 51 - 53 Andhra Pradesh
Southern
56 - 59 Karnataka
6 60 - 64 Tamil Nadu

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NIGHT POST OFFICES [NPO] - Clause 3

 Introduced: 7th May 1950.
 Total NPOs: 113 [As on 31.03.2022]
 Roll of CPMG & DGPS:
CPMG Fixation of working hours of NPO
DGPS Extend the working hours;
Permit to open NPOs on Holidays;
Transaction authorization

 Weekdays NPO [10 am to 7 pm]

 Weekdays Extended NPO [10 am to 8.30 pm]

 Holidays NPO [10 am to 5 pm]

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FRANKING MACHINES
An electronic / digital stamping device for affix approved stamp impressions
on Postal Articles instead of pasting physical stamps..

TYPES of FRANKING MACHINES

There are 2 types of Franking machines

1. Electronic Franking Machine [EFM] – Now Only for our Departmental use.
2. Remotely Managed Franking Machine [RMFM] – DigiFrank Plus machine

EFM RMFM
Discontinued – 01.07.2013 Launched – 16.08.2010
[Now only for our Deportment use]
Manual process Automatic process
Red Colour impressions Blue Colour impressions
Consist of 2 Dies – Consist of Combined Single /
Value Die & Licence Die 2D Barcode
[Optional – Slogan Die]

TYPES OF LICENSES

There are Three types of Franking License available

Types Apply through License Authority
INDIVIDUAL Online / Counter Division Head/
[Personal & Bulk customers] Gazetted PMs

COMMERCIAL Online / Counter Division Head/

[For Business purpose] Gazetted PMs

DEPARTMENTAL Counter only Regional Head

[For Govt offices / Banks, etc..]

LICENSE FEE

License Fee / ₹375 for 5 years

Renewal Fee
Renewal period On 5th year, 2nd month to last day of expiry
Penalty Fee ₹100 [After expiry of Renewal period]

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POST BOXES & POST BAGS

Clause 55 Post Boxes
Clause 56 Post Bags

 Only Fully Prepaid unregistered letter mail articles (not parcels)

delivered through valid postbox or postbags of rented addressee.
 Licensing authority: Delivery Postmaster [SO/HO]
 Availability of Postbox facility at certain Post offices is decided by
Head of Circle [CPMG]

RENTAL FEES
Valid: End of Financial Year (March End)
Rental starts from: 1st Day of allotment month
Postbox (or) Postbox & Postbag (or)
Period Postbag Two Postboxes / Two Postbags
[Anyone] [Both]
One Financial Year ₹150 ₹250
3 Continuous Months ₹50 ₹80
Based on Rental Starting month
1st & 2nd Fin. Quarter ₹150 ₹250
(Apr to June & July to Sep)
3rd Fin. Quarter ₹100 ₹160
(Oct to Dec)
4th Fin. Quarter ₹50 ₹80
(Jan to Mar)

POST BOXES - Conditions

 Applicants should apply for post box rental at their designated

delivery post office only, if the service is available there.
 Pay the rent upfront with application.
 If Post box is assigned, the Window Delivery Ticket is supplied
which should be produced by renter or his messenger on demand.
 Pay the Deposit for the lock and key after allotment of Postbox.

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OFFICIAL POSTAL ARTICLES

SECTION III – POST OFFICE PART 1

OFFICIAL POSTAL ARTICLES

Clause 198 Conditions
Clause 199 Unpaid and insufficiently paid articles
Clause 200 Officials entitled to use Service stamps
Clause 201 Local Fund Officials
Clause 202 Procedure if ordinary stamps are used for service stamps
Clause 203 Letters etc. from Govt. officers to private person & vice versa
Clause 204 Postage due articles
CAMP CORRESPONDENCE
Clause 205 ‘Camp articles’ - special bags & camp bags
Clause 206 Tour programmes of High Officers entitled to special bags
Clause 207 Articles for persons accompanying high officers on tour

CONDITIONS

Official postal articles are transmitted by post under the same

conditions as unofficial/normal articles, including rates of postage and
registration, insurance, or value-payable options.

Conditions:

➔ Postage prepayment is not required for "Service Unpaid" postcards.

➔ Postage due or unpaid chargeable on delivery of official articles are
single deficiency.
➔ Prepayment of postage on parcels is compulsory.
➔ Official Parcels can contain multiple communications if they are
office files, but each file should contain only one such
communication.
➔ Office files containing notes, orders, draft letters, and fair copies
exchanged between government officers and their office can be sent
by post as letters, packets, or parcels based on the sender's
preference.

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PROHIBITED ARTICLES
SECTION IV – POST OFFICE PART 1
Clause 209 General Prohibitions
Clause 210 Local Prohibitions
Clause 211 Treatment of Injurious Articles
Clause 212 Treatment of Prohibited or Durable or Doubtful Articles
Clause 213 Articles bearing thereon any matter which is prejudice to
the maintenance of Law and Order
Clause 214 Articles which have anything written, printed,
impressed or attached to the address side

GENERAL PROHIBITIONS

 Anything which is sent in Contravention

 Any indecent / obscene Printing, Painting, Photograph,
Lithograph, engraving, Book or Card or any other indecent /
obscene articles.
 Any indecent, obscene, seditious, scurrilous threatening or
grossly offensive nature on it or on the cover of any Postal Article.
 Any explosive, dangerous, inflammable, filthy, noxious or
deleterious substance.
➔ Any liquid which flashing point < 200F, Sprit of flashing
point 90F or below, Turpentine and Varnishes are
Inflammable.
 Any sharp instrument not properly protected. [Pins may not be
used for fastening]
 Any living creatures or other thing which is either noxious or likely
to injure Articles / Officials in course of transmission.
[Exception: Live Bees, Living germs of plague, tuberculosis sputum]
 An unauthorized Tickets, Proposals, advertisements related to a
Lottery or any other similar Snowball Marketing System.
 Not to be obeyed the conditions of Press and Registration of Books
Act, 1867 and Registrar of Newspapers for India, New Delhi (RNI)
Publishers Articles or Books or Newspapers.
 Gold / Bullion / Silver / Diamond or Any Luxurious Jewels of a
value exceeds their prescribed Limit & Condition.
Inland & Foreign EMS Articles: Max. up to ₹ 1,00,000;
Other Foreign Articles: Max. up to ₹10,000

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MAILS
Traditional Mails Premium Mails International Mails

TRADITIONAL MAILS
INTRODUCTION OF DOMESTIC TRADITIONAL POST

The post maintained by The Central Government either by Land or Sea or Air –
 Between any Places in India
 Any Place in India → Our Services established Outside India
 Between any India Post Services established Outside India

CLASSIFICATIONS

There are 10 Classes of Inland Postal Articles.

 First Class Articles [3] + Packets [6] are called Letter Mails [9]
Parcels are called as Parcel Mail [1]

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REGISTERED NEWSPAPER (RNP)

POSTAL REGISTRATION

 Postal Registration is different from RNI, New Delhi Registration.

 They are allowed to apply for Postal Registration in Single or
multiple locations separately.
 Licensing Authority: The Concern Division Head [Postal / RMS],
Gazetted Postmasters of their office.
 Application for Registration or Renewal of Registered Newspaper
should be accompanied by 2 Copies of Latest issue of the
Newspaper
 It should have a Bona fide list of subscribers (min 50 Subscribers)
 Certificate from the District presidency or Sub-Divisional
Magistrate within whose local jurisdiction should be produced.
 If it is a Newspaper category (other than Book or magazine), should
submit a declaration required by section 5 of the PRB Act 1867.
 Registration Validity: 3 Calendar Years.
 Format of Postal Registration Number: DN/XXX/2023-25
 Fees & Renewal:
New / Renewal Period Fees
New Registration 3 Calendar years No Fees
Renewal – Level 1 3rd year: Feb to Sep No Fees
Renewal – Level 2 3rd year: Oct to Dec Rs 50
Renewal – Level 3 After Expiry Rs 100
(4th year: Jan to March
 Processing Time:
For New Registration: 30 days (maximum)
For Renewal: Before Dec 15th on 3rd year.

RNP - TARIFF

RNP / weight Single copy Bundle

(more than 1 same copy)
Up to 50g Rs 0.25 Rs 0.50
51g to 100g Rs 0.50 Rs 0.50
Every additional 100g Rs 0.20 Rs 0.20

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BUSINESS REPLY SERVICES

 Definition: A facility that allows a person to obtain a reply from their
client without making them pay postage in advance or at the time of
posting.
 Eligible items: Business Reply Cards, ILCs and Envelops
 Licensing Authority:
Divisional Head / Gazetted Postmaster of their own office
 License Fee:
Renewable annually until March End of each year with the following
fees:
License Approved month License Fee
1st Financial Quarter ( Apr – June ) ₹200
2nd Financial Quarter ( July – Sep ) ₹150
3rd Financial Quarter ( Oct – Dec ) ₹100
4th Financial Quarter ( Jan – Mar ) ₹50

 License may be renewal every Year March Month.

 License renewal is required every March with a fee of ₹200 for one
completed financial year.
 Handling Charges: ₹1 per Article for all classes
 Actual Cost for BRS Articles: Actual Postage Charge + ₹1
 Breach of Conditions:
Treat as letter with double deficiency charged upon delivery
 Collection: BRS articles (Replied from Client of Licensee) postal
tariff will be collected from Licensee at the time of delivery in the
form of Cash or Adjustments of Deposit Amounts.

TAXATION
GENERAL CONDITION

 Minimum taxation amount: Re. 1/-

 If addressee refuses the article, the unpaid due amount will be
collected from the sender.
 While calculating the tax amount, the paid postage amount will be
considered for reduction.

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SPEED POST & BUSINESS PARCEL

Features Domestic Speed Post Business Parcel

Introduce 01.08.1986 02.12.2013

Service For Retail & Bulk Customers Bulk Customers Only

1.5m X 1.5.m X 1.5m &
Size L+B+H Should not exceeds 3m
(Maximum) (Cuboids / Cylindrical also accepted)
Chargeable weight: 50g Chargeable weight: 2 Kg
Weight Max: 35 kg Max: 35 kg

Transmission Surface and Air Surface Only

In case of Loss or Damage

Compensation Double Speed Post Tariff Actual Value of content (or)

For Uninsured (maximum limit of ₹1000) Loss of content part
(Excludes GST) (maximum limit of ₹ 500)
In case of Delay
Refund the Speed Post / Business Parcel Tariff
Complaint (except Compensation) Period: 1 month
Complaint (for Compensation) period: 3 months from Booking
Compensation period: within 10 days after justified

Complaint / Treat as Content Lost:

Enquiry Period For Insured Speed Post / Business Parcel:
60 days from Booking or 30 days from Complaint raised whichever is later.
For un-Insured Speed Post / Business Parcel:
30 days from Booking or 30 days from Complaint raised whichever is later.

SPEED POST - IMPORTANT NOTES

 Tagline - Reach; Speed; Accuracy [RSA]

Aim - Express & Time Bound, Assured & Address specific Delivery
 Availability: Services are available both domestically and
internationally.
‘ONE INDIA; ONE RATE’
 To commemorate the success of Speed Post at 20th Year Anniversary,
One India One Rate feature is announced on 14.08.2006 which is come
into force from 21.08.2006.

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INTERNATIONAL MAILS
International Traditional Mails International Premium Mails
1. International Letter Articles 1. EMS/ International Speed Post
2. International Air Parcel 2. International Tracked Packet Services (ITPS)

Traditional International Mails

 Traditional International Mails - Available for 219 countries
1. International Letters
Termed as Letter et Cartes (Letters & Cards) [LC], Autres Objects [AO]
2. International Air Parcels
 International Letters are further classified as below categories.
1. Letters
2. Post cards
3. Aerogramme
4. Printed Papers [including Books & Reg. Newspaper]- Imprimes
5. Blind Literature Packets – Termed as ‘Cecogrammes’
6. Small Packets – Termed as ‘Petits Paquets’
- [Items containing small Goods, Samples and Gift]
7. M Bag [Bulk Bag]
M Bag - Special bags containing newspapers, periodicals, books, and similar
printed documentation for the same addressee

Premium International Mails

1. International Speed Post (EMS Speed Post)
➔ Documents & Merchandise Options available.
➔ Total Approved Countries: 106 [Doc. & Mer. 100 + Doc. only 6]
2. International Tracked Packet Services (ITPS)
➔ Introduced: 9th Oct 2017 (World Postal Day)
➔ Especially for e-Commerce transport within Asian Pacific Region & USA
➔ Total Approved Countries: 41 (17 APPU Countries & 24 Other Countries)
[Earlier: 38 Countries; 16 Countries Inaugural: 15 countries]
➔ Available for both Individual & Bulk Customers
➔ Volume based discounts allowed for Bulk customers
➔ Booking Barcode labels starts with LP series.
➔ ITPS comes under letter category and are processed in the
Registered Letter Channel viz. CRC / CCRC
➔ Pick up facility is available for bulk customers if minimum of 5
consignments.

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PRINT to POST
 Offers end to end Print to Post solution to corporate customers
 Pre-printing: Processing data to prepare bills/reports in the format
required by customers.
 Printing: Process of printing of bills/reports, printing mail inserts,
printing of barcodes on the bill or envelope.
 Pre-mailing activities: Folding of documents, insertion of
documents in envelopes, sealing of envelopes, franking, sorting of
envelopes according to PIN Code, bundling,
bagging/containerization.
 These pre-mailing activities are mechanised to the extent possible.
 Major Corporate customer: LIC

FLAT RATE BOXES [FRB]

Product Discontinued from
Flat Rate Boxes (International) 15.02.2018
Flat Rate Boxes/Parcels (Domestic) 15.06.2018

MAGAZINE POST [Tracked Magazine ]

[Rule 139 – 142 of PO Guide Part – 1 i.e. Integrated with RNP]

 As per the request from All India Magazines Association [AIM],

Introduced ‘Magazine Post’ to provide tracking and SMS alert
facilities for magazine delivery.
 Procedures, terms, and conditions same as registered newspapers.
 Pilot Launch: 01.03.2022 at Delivery Area of Delhi and Mumbai.
 All India Launch: 01.04.2022 at 10 Identified locations.
 Facilities:
➔ End to End Tracking
➔ SMS alert facility
➔ Address specific delivery

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SOVEREIGN GOLD BOND [SGB]

INTRODUCTION
 Sovereign Gold Bonds are issued by Reserve Bank of India on
behalf of Government of India as an alternative for physical gold
under Government Securities Act, 2006 and Gold Monetization
Scheme.
 SGB Scheme was first launched on October 30, 2015.
 SGB will be notified from time to time during every financial year.
 First tranche (issue) was released from 05.11.2015 to 20.11.2015
with issue price of ₹ 2684 per gram.
 The issue date of First SGB Bond is 30.11.2015.
 So far, End of 2023 -24 FY, there are 67 tranches
(4th Series of 2023-24 ) were issued.
Tranches → Each issues from starting
Series → Each issues in a Financial Years
 Issue price is based on 24 carat 999 purity Gold rate announced by
Reserve Bank of India.
 Issue price varies for each series of tranche and notified by RBI.

WHO CAN PURCHASE?

 An Individual Indian Citizen who lives in India. ( NRI not allowed )
 An Individual on behalf of Minor.
 Two Individual Joined.
 An Individual from Hindu Undivided Family ( HUF )
 A Trust or an Organization.
 A Charitable Institution, Universities

Note:
In case of Illiterate person, his thumb impression should be attested by 2
witnesses

WHERE TO PURCHASE?
SGB can purchase from below Agency of RBI whether Online or Offline

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MUTUAL FUNDS
At present selected schemes of UTI Mutual Fund only are retailed through
the designated Post offices in the country through NISM / AMFI certified
employees who have Employee Unique Identity Number [EUIN]
NISM – National Institute of Securities Markets
AMFI – Association of Mutual Funds in India

JOINT PARCEL PRODUCT [JPP]

India Post and Indian Railways have jointly launched a new Joint Parcel
Product (JPP) targeting business-to-business (B2B)and business-to-customer
(B2C) markets.

➔ This initiative offers a comprehensive logistics solution, covering the

entire process from pick-up to doorstep delivery.
➔ The Joint Parcel Product (JPP) is specifically designed to cater to the
transportation needs of consignments weighing more than 35 kgs,
ensuring efficient and seamless delivery services.
➔ JPP Service is also termed as Rail Post Gati Shakti Express Cargo
Service

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SAVINGS SCHEMES
National Small Savings Schemes [NSS]
India Post Payments Bank [IPPB]

NATIONAL [SMALL] SAVINGS SCHEMES

INTRODUCTION
 DOP is an agency on behalf of Finance Ministry to bring all schemes to public.
 ACT - The Government Savings Promotion Act 1873 (5 of 1873) [GSPA
1873]
 RULES – The Government Savings Promotion General Rules, 2018 [GSPR
2018]
 National Small savings Schemes Rules 2019 (SB Order 13/2019) cancelled
all the existing individual scheme rules

SCHEMES
Traditional Schemes Common Schemes Savings Certificates
[PO only schemes] [Both PO & Bank Schemes] [PO only Certificates]

1. POSB 1. PPA 1. NSC – 8th issue

2. PORD 2. SSA 2. KVP
3. TD [1,2,3 & 5 years] 3. SCSS
4. MIS 4. MSSC

WHERE TO OPEN
 All operational Post offices including BOs & Single Hand SOs
Note:
➔ SB Order 18/2020 – PPF Scheme Extend to Single Handed SOs
➔ SB Order 27/2020 –
PPF, MIS, SCSS, NSC, KVP Schemes Extend to All BOs
(Only through Cheque until Further Order)
➔ Almost all accounts (except SB & SSA) can open through Post Office
e-Banking.
➔ SB Order 5/2023 (31.03.2023) – Introduction of MSSC Accounts

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TAX DEDUCTED AT SOURCE [ TDS ] for Higher Withdrawals

As per IT Act section 194N. w.e.f. 2019 – 2020 Financial Year
Cash Withdraw Per FY TDS ITR Filed Status
Up to ₹20 L Nil --
Nil Yes - ITR Filed for Last 3 FYs
> ₹ 20 L -to- ₹ 1 Cr
2% No - ITR is not Filed for Last 3 FYs
2% Yes - ITR Filed for Last 3 FYs
> ₹ 1 Cr
5% No - ITR is not Filed for Last 3 FYs

REBATE FOR ADVANCE DEPOSITS IN RD

Rebate is allowed for advance deposits

Advance Deposits including Rebate for Denomination

current month
6 Months (to 11 months) 10% ( For Dn. Rs 100 = Rs 10 )
12 Months (to 17 months) 40% ( For Dn. Rs 100 = Rs 40 )

➔ All Advance deposits made in different dates in a month are eligible for rebate
➔ Advance Deposits after 12 months also eligible for Rebate by following way.

Advance Deposits Rebate for Denomination

including current month
18 Months (to 23 months) 50% ( 40% + 10% ) (For Dn. Rs 100 = Rs 50)

24 Months (to 29 months) 80% ( 40% + 40% ) (For Dn. Rs 100 = Rs 80)

30 Months (to 35 months) 90% ( 80% + 10% ) (For Dn. Rs 100 = Rs 90)

36 Months (to 41 months) 120% ( 80% + 40% ) (For Dn. Rs 100 = Rs 120)

42 Months (to 47 months) 130% ( 120% + 10% ) (For Dn. Rs 100 = Rs 130)

48 Months (to 53 months) 160% ( 120% + 40% ) (For Dn. Rs 100 = Rs 160)

54 Months (to 59 months) 170% ( 160% + 10% ) (For Dn. Rs 100 = Rs 170)

60 Months 200% ( 160% + 40% ) (For Dn. Rs 100 = Rs 200)

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FEES for VARIES TYPES OF SERVICES [As per SB Order 3 / 2020]

GST (18%) Total

S. [Fees+
Services Fees CGST SGST
No GST]
(9%) (9%)

1. Issue of Passbook in lieu of lost or mutilated ₹10 ₹1 ₹1 ₹12

Certificate per Registration
2. Issue of Statement of Account ₹20 ₹2 ₹2 ₹24

3. Subsequent Issue of Cheque Books contains ₹20 ₹2 ₹2 ₹24

10 leaves per Calendar year
(First 10 leaves are Free per CA
(then, ₹2 + GST will charge per leaf)
4. Issue of Duplicate Passbook / ₹50 ₹4.5 ₹4.5 ₹59
Fresh Passbook for Spoiled one
5. Change or Cancellation of Nomination ₹50 ₹4.5 ₹4.5 ₹59

6. Pledge of Account / Certificates (Per ₹100 ₹9 ₹9 ₹118

Registration)
7. Transfer of Account / Certificate (per ₹100 ₹9 ₹9 ₹118
Registration) (Except Admin Reasons)

8. Dishonour of Cheques ₹100 ₹9 ₹9 ₹118

VARIES TYPES OF FORMS [As per SB Order 17, 35 / 2020]

FORMS PURPOSE
SB – AOF Account Opening Form
SB – KYC KYC Updation Form [CIF Form]
SB – ATM1 Application for ATM Card / Net, Mobile & SMS Banking
SB – CQE 4 Application for Cheque book / Issuance of Fresh Cheque Book
SB – 41 Application for Duplicate Passbook
SB – 83 Application for Standing Instructions [Auto Transfer]
SB – 101 RD - Protected Savings Schemes [PSS] Claim Application
SB – 103 Pay-in-Slip [Deposit Form]
SB – 7 SB, TD, MIS, SCSS Withdrawals Form
SB – 7A Maturity Closure Form
SB – 7B Premature Closure Form
SB – 7C RD, PPF, SSA Loan / Withdrawal Form
Form – 5 Application for Transfer of accounts

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INDIA POST PAYMENTS BANK

ABOUT IPPB

 India Post Payments Bank (IPPB) is a payments bank and will be

100% owned by the Government of India (through DOP).
 IPPB is the first Public Sector Enterprise under DOP.
 It will have an independent board of directors with representation
from DOP and other stakeholders from within the Government of
India.
 IPPB is mandated to focus on basic banking through current
accounts & savings account, providing payments and remittance
services to small businesses and low-income households initially be
restricted to holding a maximum balance of Rs.2,00,000 per
individual customer.
 It will form partnerships with other banks and financial institutions
such as mutual funds and insurance companies to provide third
party financial services such as mutual funds and insurance
products, as well as loans to its customers.

HISTORY of IPPB
➔ Payment Bank License from RBI on 19th Aug 2015.
➔ Registration of Public Limited Govt. Company on 17th Aug 2016.
➔ Pilot Office: Raipur & Ranchi on 30th Jan 2017.
➔ National wide inauguration on 01st Sep 2018.
➔ Govt of India funded about ₹1435 Cr. For Banking setup.
➔ Tagline of “AAPKA BANK, AAPKE DWAAR”

VISION & MISSION of IPPB

Vision:
“Building the most accessible, affordable and trusted bank for the common
man”
Mission:

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SOCIAL SECURITY SCHEMES

1. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
2. Antyodaya Shramik Suraksha Yojana (ASSY)

Pradhan Mantri Jeevan Jyoti Bima Yojana [PMJJBY]

 PMJJBY is one of the Jansuraksha social security scheme to secure life

cover amount of ₹2,00,000
 1 year cover, 100% paperless, non-medical, yearly renewable,
Insurance scheme offering life insurance cover for death due to any
reason.
 All IPPB Savings account holders in the age between 18 – 50 years
are eligible to apply.
 The life covers available until 55 years.
 Waiting period –
30 days from auto debit for the first year. This waiting period will not
apply for the life renews the cover next year without any break.
 Service provider: IPPB in partnership with PNB MetLife Insurance
[PMLI]
 Premium is Rs 436 per year [June to may].

Joining Quarter Premium Appropriation

Revised
[Valid up to May 31 every
Premium To PNB
year] To IPPB
MetLife
March, April & May
₹ 114 ₹103 ₹11
[For 1 Quarter]
December, January & February ₹ 228
₹206 ₹22
[For 2 Quarters] [₹ 114 x 2]
September, October & November ₹ 342
₹309 ₹33
[For 3 Quarters] [ ₹114 x 3]
June, July & August ₹ 436
₹395 ₹41
[For 4 Quarters] [For 1 year]
Renewal (Once in a year) ₹ 436
₹425 ₹11
On or Before May 31 [June to May]

ANTYODAYA SHRAMIK SURAKSHA YOJANA [ASSY]

 Ministry of Labour & Employment launched new accidental

insurance coverage to unorganized sector workers.

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REMITTANCES
Domestic Money Remittances Indian Postal Order [IPO]

International Money Remittances Field Postal Order [FPO]

DOMESTIC MONEY REMITTANCES

MONEY ORDERS
Money Order - An order issued by the Post Office to pay a sum of money
through the agency of the Post Office.
Remitter – A person who sends Money
Payee – A person to whom the money is to be paid

TYPES OF MONEY ORDERS

TRADITIONAL MONEY ORDER
 This is a regular traditional money order that can be issued for any
amount between Rs. 1 and Rs. 5000.
 Money orders valued at Rs 1000 or more are classified as High
Value Money Orders (HVMO).
 The commission is 5%, which means Rs. 1 for every Rs. 20.
 When the money order is dispatched, it is enclosed within a Register
Articles Bag and sent by air without any surcharge.
 All entries made in the form must be legible and may be written in
English or Hindi or in Local Languages.
 Redirection is free within India. However, if the MO is redirected
to a foreign country, charges for the redirection will be collected at
the time of MO payment in the foreign country.
 MO Form (MO 8) Cost is 25 Paise.

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IFS (International Financial System) MO – [IFS eMO]

 International Financial System (IFS) is software developed by UPU to
coordinate international remittance services among the partner
countries.
 Now a customer receive money from foreign countries through the
IFS platform designed by UPU.
 At present this service is operational with, France (La Poste Group)
and UAE (Emirates Post)
 In India, the transactions are processed through eMO System. (By
17,500 eMO Post offices )

PROCESS OF IFS eMO

IFS Server at France / UAE

UPU Server

IFS National Server at CEPT, Mysore as EDI messages

( Electronic Data Interchange messages )

eMO Central Server CEPT, Mysore as eMO PNR

Format

Receive at Concern eMO Post Office.

 Encrypted Booking Data may received to IFS National Server

from UPU Server as a EDI Messages; then Decrypted messages are
uploaded to eMO Server for delivery as eMO format.

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POSTAL INSURANCE (PLI & RPLI)

IMPORTANT YEARS
YEAR DESCRIPTION
01.02.1884 PLI Introduction - For Male Employees of Postal Department
1888 PLI extended to Male employees of both P&T Department
1894 PLI extended to Female Employees of P&T Department
01.02.1984 PLI – Anticipated EA Policy Introduction
24.03.1995 RPLI Introduction – On Recommendation of MALHOTRA Committee
01.08.1997 Joint Life Assurance [Yugal Suraksha] Policy Introduction
20.01.2006 Children Policy Introduction [Both PLI & RPLI]
28.04.2011 Post Office Life Insurance Rules 2011

POSTAL INSURANCE - PRODUCTS

SCHEMES in PLI & RPLI

PLI RPLI
1 Whole Life Assurance (WLA) Whole Life Assurance (WLA)
(SURAKSHA) (GRAMA SURAKSHA)
2 Convertible Whole Life Assurance (CWLA) Convertible Whole Life Assurance (CWLA)
(SUVIDHA) (GRAMA SUVIDHA)
3 Endowment Assurance (EA) Endowment Assurance (EA)
(SANTHOSH) (GRAMA SANTHOSH)
4 Anticipated Endowment Assurance (AEA) Anticipated Endowment Assurance (AEA)
(SUMANGAL) (GRAMA SUMANGAL)
5 Joint Life Assurance (JLA) 10 Years RPLI
(YUGAL SURAKSHA) (GRAMA PRIYA / Grama Yojana)
6 Children Policy
(BAL JEEVAN BIMA)

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POSTAL INSURANCE – DEATH CLAIMS

TYPES of DEATH CLAIMS
Based on Policy Term - There are Two Types of Death Claims.
1. Early Death Claims – Below 3 Years Policy
2. Matured Death Claims – Above 3 Years Policies
Based on Cause of Death - There are Two Types of Death Claims.

Nature Death Un – Nature Death

Nature Death Accident Death
Disease Death Murder Death
Missing Insurant Suicide Death

SUICIDE - DEATH CLAIMS

 Within 1 year from acceptance/revival
-- 80% Premia Paid or Surrender Value, whichever is higher
 After 1 year from acceptance/revival – Eligible for Full Claim

MISSED PERSON - DEATH CLAIMS

 If an Insurant were missed for the Last 7 Years or No Information
about him for the Last 7 years, He would be treated as a Missed
Person Or a dead person.
 The nominee / Legal Heir should obtain an Order from the Court.
 Then, apply for Death Claims as per Norms.

ROLE OF NOMINEE - DEATH CLAIMS

 PLI/RPLI nominee is not the owner of money payable in case of
death of Policy Holder.
 The nominee is just a Trustee [receiver] only and is liable to help
with the claim processing on behalf of the legal heir of the Insurant.

ANNEXURES
Annex -I Death Claim Application with Ack for Claimant
Annex -II List of Documents ( ID & Address Proof )
Annex -III Letter of Indemnity ( in the absence of Original Policy Bond)
Annex -IV Checklist for quality checking for CPC In charge

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NATIONAL PENSION SYSTEM [NPS]

INTRODUCTION
 NPS is the Pension scheme introduced by the Government of India
for All Government employees (Except Army) as well as all Indian
Citizen including NRI.
 Investment made during employable years and withdrawn on
retirement with monthly pension.
 Regulatory Body: PFRDA
(Pension Fund Regulatory & Development authority)
 PFRDA has appointed
➔ The NSDL (National Securities Depository Limited) as CRA
(Central Record Keeping Agency)
➔ NPS Trust [NPST] is the registered owner of all assets under NPS
➔ The DOP as POP (Point of Presence) to operate the scheme
through identified Post Offices.
 Nodal Office for NPS for Postal Employees is Mysore HO
 NPS Website: ‘www.npscra.nsdl.co.in’.

IMPORTANT YEARS
 Introduced for All Govt. Employees (Except Army) - 01.01.2004
 Extended for All Citizens - 01.05.2009
 NPS extended to all HOs - 01.05.2010

MOST IMPORTANT FEATURES

 Its Flexible – Subscribers can choose their own investment options
and Pension Fund and see their money grow.
 Its Portable - Subscribers can operate their account from anywhere,
even if they change the city and/or employment.
 Continue even after Age of 60: Subscriber can continue to invest up
to his age of 75 years.

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STAMPS & PHILATELY

STAMPS – WORLD HISTORY

 On May 1, 1840, the PENNY BLACK, the First adhesive postage

stamp in the World, was issued in United Kingdom.
 That was a Black & White, Profile of Queen Victoria, One Penny
value stamp
 Sir Rowland Hill introduce the First Stamp in World.

STAMPS – INDIAN HISTORY

 Copper tokens were introduced for payment of postage in 1774.

 In India, In 01.07.1852, the SCINDE DAWK, India’s First Paper
Postage Stamp was introduced [Introduced by SIR. BARTEL FRERE,
the commissioner of Sind province]
 They were round in shape and were issued in 3 variations.
 They were withdrawn and Officially introduced the regular India
Postage Stamps from 1 October, 1854.
 That Stamps were come with Different Color with Four Values with
profile of Young Queen Victoria.
(Half Anna, One Anna, Two Anna, Four Anna)
 All Four Values were designed and printed in Calcutta.
 The Four Anna Value Stamp was Considered to be the World’s
First Bi-Colored Stamp.
 1873 – Postal Stationery (Embossed Envelopes] are put on sale
 1879 – Postcard Introduced
 1886 – Revenue Stamps of value 1 Anna are put on sale
 1931 – First Pictorial stamps introduced.
 1935 – Indian Postal Order introduced.

STAMPS – in INDEPENDENT INDIA

 First Stamp in Independent India was issued in 21 Nov, 1947.

 Three Stamps
1. Depicting the Ashoka Pillar - 1 ½ Anna

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NATIONAL PHILATELIC MUSEUM

 Functionating from: 06.07.1968
 National Postal Museum is Located at Ground Floor of Dak Bhavan,
Sansad Marg HO, New Delhi – 110001 since 2011
 NPM attempts to showcase the great Indian Panorama as
presented through postage stamps.
 Display of All Commemorative stamps which were issued from
Independence in chronological order.
 The process of designing and printing of postage stamps have also
been displayed in serialized exhibits
 Audio Visual facility and Special Thematic Section is there.
 The Museum provides information about the Postal History of India
as well as India's Philatelic Heritage.
 There is also a SOUVENIR SHOP inside the museum where a wide
range of philatelic ancillaries sourced from all across the country are
available for sale.
 My Stamp printing facility is also available. It takes around 15-20
minutes to prepare a personalized MY Stamp.
 The Museum is opened from 10am to 5pm all days in a week
[except National & Postal Holidays] for visitors without any entry
fee.

DEEN DAYAL SPARSH YOJANA

INTRODUCTION

 To Promote Philately among children at young age, Government has

launched Philately Scholarship Scheme namely Deen Dayal SPARSH
Yojana on 03.11.2017.
 SPARSH – Scholarship for Promotion of Aptitude & Research in
Stamps as a Hobby
 This is a scholarship scheme, will be provided to students who
satisfy the eligibility condition and qualify in the selection procedure.

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POSTAL MANUAL VOLUME - 5

CHAPTER – 1 – DEFINITIONS
S. No Rule No Definitions
1 Rule 1 Postmaster General
2 Rule 2 Railway Mail Service
3 Rule 4 Superintendent
4 Rule 5 Head Office
5 Rule 5A V SAT Stations
6 Rule 5B ESMO
7 Rule 5C Hybrid Mail Service
8 Rule 6 GPO
9 Rule 7 Sub Office
10 Rule 8 Branch Office
11 Rule 9A Transit Office
12 Rule 9B Transit Mail Office
13 Rule 9C Computerized Transit Mail Office
14 Rule 10 Sorting Office
15 Rule 10A AMPC
16 Rule 10B Computerized Registration Centres
17 Rule 11 Sorting Sub Office
18 Rule 11A Nodal Post Office
19 Rule 11B CBU / KBU
20 Rule 12 RLO
21 Rule 12A Transcription Centre
22 Rule 13 OE, Transit OE, FPO, sFPO
23 Rule 14 Transit Sections
24 Rule 15 Mail Office
25 Rule 15A CMO / BMC
26 Rule 15B MMC
27 Rule 15C PSO
28 Rule 16 Record Office
29 Rule 17 Head Record Office
30 Rule 18 Sub Record Office
31 Rule 18A Bag Office
32 Rule 19 Sorting Assistant
33 Rule 20 Subsidiary Sorting Assistant
34 Rule 21A Set of a Section

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Rule 14 - TRANSIT SECTIONS

 Transit Sections are traveling offices of the Railway Mail Service
working on Railway or river steamer lines.
 The officer-in-charge of a set of a transit section is called a Mail
Guard or Mail Agent.

NOTE: Sections are numbered serially and designated by the name of the
RMS Division followed by the Serial No.

Rule 15 - MAIL OFFICE

 Mail Offices are stationary offices of the Railway Mail Service.
 They are of Two kinds, viz.,
1. Sorting Mail Offices
2. Transit Mail Offices.
 Sorting Mail Office deal with the contents of mail bags addressed to
them as well as with closed forward bags.
 Transit Mail Office deal only with closed bags.
 The officer in-charge of a set of a Sorting Mail Office is designated a
Head Sorting Assistant and the officer in –charge of a set of transit
Mail Office, a Mail Agent irrespective of the status of the incumbent.

Rule 15 A - CORPORATE MAIL OFFICE / BULK MAIL CENTRE [CMO/BMO]

 Consequent on the increase of corporate mail, RMS units, viz.,

Corporate Mail Offices/Bulk Mail Centres are opened in big cities.
 Each bulk Mailer, i.e., a firm which is capable of posting of
➔ 5000 unregistered articles /
➔ 250 registered articles at a time
They are identified a bulk mailer.
 These bulk mailers are supplied with customized sorting list.
 Bundles are prepared by the bulk mailers as per the customized
sorting list.
 The details of bundles prepared are entered in one invoice which
is prepared in duplicate and brought to Bulk Mail Centre.
 The officer in-charge of the center verifies bundles received from
each bulk mailers with reference to invoice received and group
them destination-wise for further despatch.

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Rule 57 - MIS-SENT AND MIS-DIRECTED ARTICLES

 A mis-sent article is an article which has been erroneously

forwarded by an office other than the office of destination or by a
route other than the prescribed one.
 A mis-directed article is a vernacular article on which the incorrect
destination has been written in English by the office of posting.

Rule 57 A - TRIAL CARDS

 Trial cards are service Post Cards [M 26 (a)] which are employed
for the purpose of determining the relative advantage of alternative
mail routes or the cause of detention to articles.
 A trial card contains on the back the following printed columns, viz.,
1. Source of receipt
2. Remarks, misconnection, etc.,
3. Manner of disposal,
4. Date stamp of the Office or Section,
5. Signature of Head Sorting Assistant/Postmaster/Supervisor.

 All these columns should be carefully filled in by the Head Sorting

Assistant, the Postmaster or Supervisor of each office or section
handling the card and on reaching the destination the Postmaster
should also note the date and hour of the mail conveying the card
and the date and hour of delivery of the card before the same is
returned in a service cover to the officer by whom it was issued.

 The card should be forwarded by the route if any, marked therein

and should not be included in any station bundle.

OTHER IMPORATANCE

DUE BAG / USUAL BAG NON – DUE BAG / UNUSUAL BAG

Mail Bag Airmail Bag
Registered Bag Parcel Bag, Speed Bag
Registered Packet Bag Packet Bag
Account Bag, BO Bag Cash Bag
Transit Bag Camp Bag, Special Bag

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PRIME BOOK
POSMAN & MAIL GUARD EXAMS

POSTAL KNOWLEDGE
[UPDATES AS PER LATEST SYLLABUS]

PAPER – 2 - SYLLABUS only for POSTMAN / MAIL GUARD EXAM

POST OFFICE GUIDE – PART 1 – Delivery

POSTAL MANUAL VOLUME – 6 – PART III
POSTAL MANUAL VOLUME – 7 - RMS

Compiled by
 PRIME POSTAL ACADEMY | PAPER 2 - POSTAL KNOWLEDGE – For POSTMAN MG Exams

POST OFFICE GUIDE – PART 1

DELIVERY & REFUSAL of Articles and MO
Clause 35 Definition
Clause 36 Delivery of Registered Articles
Clause 37 Refusal of registered articles presented for delivery
Clause 38 Special procedure for delivering registered articles to firms – etc..
Clause 39 Delivery of registered articles addressed to Pardhanashin women
Clause 40 Delivery of damaged registered articles of the letter and parcel mail
Clause 41 Delivery of Parcels weighing above 10 Kg.
Clause 42 Delivery of parcels & period of their detention at the office of delivery
Clause 43 Delivery of insured articles
Clause 44 Delivery of V.P. articles.
Clause 45 Delivery of articles on which customs duty and fee is due
Clause 46 Delivery of over-value articles at no-delivery Town Post Offices
Clause 47 Payment of money orders.
Clause 48 Duties of Postman and other delivery agents
Clause 49 Delivery of articles at Post offices without a delivery agent
Clause 50 Refusal of articles
Clause 51 Obligation to pay charges
Clause 52 Remedy of post office for recovery of charges due.
Clause 53 Articles maliciously sent unpaid.
Clause 54 Correspondence for Defense Services Personnel.
Clause 57 Window Delivery
Clause 58 Delivery to messengers sent from places not served daily by postmen.
Clause 59 MO Payment to messenger, not served daily by postmen
Clause 60 Delivery of registered articles, etc. to messengers or to care party
Clause 61 Delivery Of Articles & MOs to Students of Educational Institutions
Clause 62 Accounts with Planters, etc.
Clause 63 Identification Cards
POSTE RESTANTE
Clause 64 Definition
Clause 65 Disposal of Poste Restante Articles
Clause 66 Responsibility of the Post Office
REDIRECTION
Clause 67 Redirection
Clause 68 Interception and place of redirection
Clause 69 Conditions of free redirection.

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REGISTERED PARCELS - Delivery

Parcel Weight Delivery Home Delivery Fee
Upto 5 Kg Door Delivery @ Home Free
Above 5 Kg to 10 Kg Door Delivery @ Home ₹5
Above 10 Kg to 20 Kg Window Delivery @ PO ---

Home Delivery Fee –

 For registered parcels weighing above 5 kg up to 10 kg, a home
delivery fee of Rs 5 is to be paid by the sender at the time of booking
or by the addressee in the form of stamps in a manuscript
application at the delivery post office.

For Home Delivery –

➔ Registered parcels weighing up to 5 kg
➔ Registered parcels with home delivery fees paid weighing
above 5 kg up to 10 kg
They are eligible for home delivery through a delivery agent.
 Delivery Agent will bring the Parcel to his beat only once.
 If unable to deliver on the first attempt, the parcel will be returned to
the post office and not reissued for delivery again.
 An intimation notice will be issued to the addressee for window
delivery at the post office on the next delivery attempt.
For above 10 Kg & Home delivery fees not paid above 5 kg parcels:

 The delivery agent will issue an intimation notice to the addressee to

collect the parcel at the post office window within a detention period
of 7 days. These articles will not be delivered to the addressee's
doorstep by the delivery agent.
 - If the parcel is not collected within the detention period of 7 days, it
will be treated as 'Unclaimed' and returned to the sender.

INSURED, VP & CUSTOMS DUE Articles - Delivery

 Amount up to the value of Rs 500 /- only Insured, VP, Customs
Articles are delivered through Delivery Agent.

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ARTICLES DETENTION PERIOD

Articles Maximum Detention Period
Un-Registered Articles 7 days
Registered Articles 7 days
Insured Articles 7 days
Customs Due Articles 7 days
eMOs 7 days
Speed Post & 7 days
Business Parcel
VP Articles Without Demurrage Fees:
SO/HO: 7 days (8th day Return)
BO: 7 days (7th day Return)
With Demurrage Fees:
BO/SO/HO: 7 + 7 days (14th day Return)
Damaged Articles 7 days – Inland Articles
15 days – Foreign Articles
Poste Restante Articles 7 days – VP Articles
1 month – All Inland Articles except VP Articles
Foreign Inward Articles 15 days

SPECIAL DELIVERY Conditions

BULK ARTICLES Delivery:

 When delivering more than one registered article, typically in large

quantities, to firms, companies, or individuals, they are termed as
Bulk Articles.
 For delivery, they are invoiced as bulk delivery, and a Special List is
prepared in duplicate.
 During delivery, the delivery agent obtains a signature on the first
copy of the Special List and hands over the second copy to the
addressee as a token of receipt of the articles.
 However, Value Payable (VP), Insured, Money Order (MO), Customs
articles, and Due Letters are not included in the Special List. They are
delivered in the usual manner.

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POSTAL IDENTITY CARDS

 PO ID Card is issued for the benefits of Tourists, Travelers & any
public who experience difficulty in establishing their Identity for Postal
Transactions (ie., Receiving Accountable Articles & Money Orders)
 PO ID Card is issued only for Literate People who resides in the area
and Identity is Well-Known in the locality.
 Apply for identity cards at Sub-Offices (SOs) and Head Offices (Hos)
by filling out the prescribed application form and submitting two latest
stamp-sized photos.
 The postman must verify the identity and location of the applicant and
acknowledge it.
 PO ID Card Issuing Authority HO Postmaster / Sr. PM / CPM
 SOs Applications are forwarded to HO. & HO will issue the ID card
 Validity of Card: 3 Years from Date of issue
 Cost:
Application ₹20
ID Card & Processing ₹250 (Paid in advance)
Tatkal Fee ₹600 (Issued in 5 working days)
Fresh Card after Expiry ₹150 + ₹20 (Application)
Duplicate Card, if loss ₹100 + ₹20 (Application)

 In the Application Form, providing Personal identity mark is

compulsory. Additionally, the applicant should mention their Date of
Birth, Phone Number, Blood Group, along with their Signature.
 Previously, Postal Identity Card is issued for ₹9. To apply, the
applicant had to affix a Photo & Pay ₹9 using postage stamps in a
manuscript application. The Card would be issued in the same manner,
with Postmaster’s seal.

POSTE RESTANTE
 Poste Restante service is for strangers and travellers, limited to
three months of use.
 These category articles are addressed to
• Their Name with C/o Postmaster or C/o Post Office
 All articles superscripted “To be kept till called for”, “To await
arrival” or in any similar way

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ARTICLES ADDRESSED to DECEASED PERSONS

 Deceased Persons articles are deal in the manner of ‘Unclaimed
Articles’.
 However, Delivery Postmaster is authorized at his discretion, in
delivering such articles to near relative if they applied.
 This is applicable as long as the articles are uninsured, do not
contain value payable, and there is no doubt about the
applicant's right to receive them, with no counter-claims or
likelihood of dispute.
 If the near relative desires to receive Valuable, Insured, MO Articles
of deceased addressee, they should appeal to Circle Head.

LIABILITY to DETENTION of CERTAIN MAILS

In case of delay of mails due to dispatch or transmission or Delivery –
 At Office of Posting:
➔ All Book Packets [except RNP] & Parcels may be held back in
the office of posting for a period of not exceeding ONE DAY.
 At Office of Delivery:
➔ All Book Packets [except Parcels] may also be held over till
the next delivery.

FACILITIES PROVIDED by VILLAGE POSTMEN

in Rural areas
 In Addition to their Regular work, Rural Postman carry a Small
Stock of postage stamps and stationery of the more frequently
utilized denominations for sale to the rural public.
 They also, keep a stock of the commonly Required Postal Forms
like Acknowledgement, Combined Money Order Forms etc..
 These postmen are also empowered to accept registered letters
and postcards for dispatch, for which they provide a receipt, and to
collect letters intended for mailing.

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POSTAL VOLUME – VI – PART III

Chapter 1 - Rules
Topics
Old Updated
Rule 106 Rule 86 Head Postman
Rule 107 Rule 87 Knowledge of Postal Business
Rule 108 Rule 88 Supply of Forms to be carried out
Rule 109 --- Sale of Stamps
Rule 110 Rule 89 Postman’s Book
Rule 111 Rule 90 Address to be noted on Postal Articles
Rule 112 Rule 91 Damaged articles to be noticed
Rule 113 Rule 92 Receipts for articles issued for delivery
Rule 114 Rule 93 Book of receipts for intimations & notices delivery
Rule 115 Rule 94 Instruction for delivery
Rule 116 Rule 95 Realization of postage before delivery
Rule 117 Rule 96 Receipts of addresses for Registered Articles delivered
Rule 118 Rule 97 & 98 Delivery to Illiterate addressees
Rule 119 --- Delivery to Pardanashin women
Rule 120 Rule 99 Delivery of Insured articles to minors
Rule 121 Rule 100 Payment of eMOs
Rule 123 Rule 102 eMOs addressed to Minors
Rule 125 Rule 104 Registered letters & eMO payments to Lunatics
Rule 133 --- Duties of Village Postman

HEAD POSTMAN
 In the large office one or more Head Postmen are working.
 Their responsibilities include disbursing Telegraphic Money Orders
(TMOs), facilitating the transfer of funds to and from the treasury,
sub-treasury, bank, or other town sub-offices (SOs).
 They may also be tasked with delivering undelivered articles that
have been returned by other postmen due to being unclaimed or
refused.
 Head Postmen fill in for postmen who may be temporarily absent
from duty.
 A Head Postman may be ordered by the postmaster to accompany
the postman to whom the MOs insured articles and VP articles of
considerable aggregate value have been made over for payment or

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MONEY LINE LIMITS FOR DELIVERY STAFFS:

AGGREGATE VALUE of MO, VP, COD, Insured, Customs, Banking & IPPB [at one time]
Postman Village
Condition Urban Postman / GDS
Rural
Delivery Agent
Normal ₹30,000 ₹40,000 ₹15000
With DO ₹40,000 ₹80,000
₹25000
permission with Police Consultation
With CO
Unlimited with Police Consultation
permission

SINGLE VALUE: [Per article value]

Category Single MO Single Insured /

VP / Customs
Postman - Rural Rs. 5,000 Rs. 500
Postman - Urban Rs. 5,000 Rs. 500
Village Postman / GDS Delivery Staff Rs. 2,000 Rs. 500

BOOK OF RECEIPTS FOR INTIMATIONS AND NOTICED DELIVERY

 Postmen are required to carry an Intimation Receipt Book in Form

R.P.53 to provide proper intimation to addressees for window
delivery at the Post Office.
Intimations should be given for:
➔ Insured, V.P articles exceeding Rs.500/- in value
➔ Parcels weighing above 10 Kg
➔ eMOs payable to planters
➔ Damaged & Contraband article contents.
➔ Intimations relating to registered articles and Money
Orders for residents at hotels, clubs etc.,
 The postman should personally write the name and address of the
addressee or payee in the appropriate column of the Intimation
Receipt Book and deliver the intimations and notices to the
concerned individuals, obtaining their signatures in the book against
the relevant entries.
 During window delivery, the concerned addressee must sign the

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eMO Payments to Payee:

 Postman must ensure that the payee or their authorized person signs
the receipt and acknowledgement of the eMO in ink.
 If the payee's father's name is provided in the eMO, the payee should
sign as "A, son of Z".
 If the eMO is paid to payee’s authorized person, the recipient should
sign the receipt and acknowledgment as follows:

-------for------

(Signature of the person) (Name of the payee)

 The postman should verify that the correct amount is receipted by

the payee in the designated spaces on the eMO form, mentioning the
date in the acknowledgment.
 The intimation portion of a value payable money order (V.P. M.O.)
should be cut off and delivered to the payee at the time of payment.
 After receiving the signed receipt and acknowledgment, the postman
should pay the amount and detach the coupon, leaving it with the
payee.
 The postman should then sign the eMO as the official making the
payment and note the payment date in the designated spaces.
 For an unclaimed or refused eMO that is repaid to the remitter, the
remitter's signature should be obtained on the receipt.
 Only the coupon should be detached from the eMO and handed over
to the remitter.

MONEY ORDERS ADDRESSED TO MINORS & LUNATICS

 Where the minor / Lunatics is under years of discretion and is living
with the parent or lawful guardian, payment should be made to
the parent or guardian on his signing the Money Orders on behalf of
the minor.
 Where the minor / lunatics is under years of discretion and is not
living with his parent or guardian and the parent or guardian
cannot be ascertained, payment should be made to the person in
whose care and custody the minor for the time being is, subject to
such person sign.
 In addition to the Money Orders an agreement of indemnity under

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POSTAL MANUAL VOLUME – VII

Chapter Rules Terms
Chapter 2 Rule 20 Stamps & Seals
Rule 22 Portfolio and its contents
Rule 23 Stationery
Rule 28 Preparation of Daily Report
Rule 39 Mail Abstract
Rule 40 Exchange of mails
Rule 41 Cage TB
Rule 42 Disposal of Mails addressed to a section or a Mail office
Rule 45 Closing of Transit Bags
Chapter 4 Rule 105 Duties & Responsibilities of Mail Guard / Agent
Rule 115 Final Duties before quitting Van or Office
Chapter 5 Rule 137 A Orders & B Orders

STAMPS & SEALS

1. In Mail Offices, Every set is supplied with below Stamps & Seals

Stamps Seals
Date Stamp Date Seal
Name Stamp Insurance Seal
Detained Late Fee not Paid Stamp

2. An Insurance Seal:
 Supplied to each set of sorting mail office.
 Provided in Enclosed Box with Lock and Key.
 Head Sorting Assistant is the Complete Responsibility for Its
Safe Custody.

3. Type – Box:
 Each Date Stamp & Seal is supplied to Sets of a section with
Type – Box.
 On the Lid of Type Box, Painted with Section / Office
Designation and Set Number
4. Non-Usage Stamps, Seals and Empty Type–Box belongs to sorting
mail office are kept in Record Office.

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‘A’ ORDER & ‘B’ ORDER

 A orders are orders issued by a Superintendent, RMS prescribing
changes in sorting lists.
 B orders are orders issued by a Superintendent, RMS for the
guidance of the subordinates in the performance of their duties in
Mail Offices on all subjects except alternations in sorting lists.
 TB Orders:
The letter ‘T’ will be prefixed to the letter ‘B’ (ie., ‘TB’ Orders) in the
case of ‘B’ orders issued in connection with the disposal of camp
articles and camp bags for high officials on tour.

A, B Orders – Additional Points

 RMS Superintendent issues the B Order to Record Officer of Mail
Offices.
 B Orders received by the Mail Offices should be copied in the
Guidance Book each set Concern by one of the Sorting Assistant
 Record Officer is the responsibility for any error or omission in the
Guidance Book.
 Is there any correction or Change on B Orders, What will do?
Record Officer must Put “Cancelled” remark across all pages of the
concern original B Orders in the Guard File as well as Guidance Book
with his Signature.
 The order so cancelled should be mentioned by the record clerk in
his daily report.
 The B. Orders for each year should be filed in a guard book, in the
consecutive order of their Nos.
 TB orders or Tour orders should be filed separately in a guard file in
an important and big mail offices by the order of Circle Head.
 Mail Offices and Sub Record offices located in the same building, the
‘B Orders’ should not be copied in the guidance book.

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