OFFICE MEMORANDUM. Payment of pension through Authorised Banks-Credit of pension to joint bank account operated by a pensioner with his/her spouse.

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1 No. Fin. (Pen) B (10)9/94 Government of Himachal Pradesh Finance (Pension) Department ****** Dated:Shimla-2 11 th August,2008 OFFICE MEMORANDUM Subject:- Payment of pension through Authorised Banks-Credit of pension to joint bank account operated by a pensioner with his/her spouse. The undersigned is directed to say that under the facility of disbursement of pension through Authorised Banks available to pensioners, a pensioner is presently entitled to receive his/her pension by getting it credited to a saving/ current bank account operated individually by him / her. Paras 6 and 24 of the Scheme for Payment of Pension Through Public Sector Banks issued by Government vide Office Memorandum No. Fin (C)-B(10)-18/77 dated 5 th June 1978 out-line the present procedure for credit of pension to Bank Account of the pensioner. However, operation of a joint account is not permitted under the existing scheme. 2. The matter whether pensioners should be given an option to receive pension by getting it credited to their saving or current bank accounts, operated jointly with their spouses, was under consideration of the Government. Therefore, in partial amendment of the scheme, it has now been decided to also permit the credit of pension to a joint account operated by the pensioner with his/ her spouse, in whose favour, an authorization for family pension exists in the Pension Payment Order (PPO). The joint account of the pensioner with the spouse, could be operated either on Former or Survivor or Either or Survivor basis subject to the following terms and conditions:- (a) Once pension has been credited to a pensioner s bank account, the liability of the government/bank will cease. No further liability will arise, even if the spouse wrongly draws the amount.

2 -2- (b) (c) As pension is payable only during the life of the pensioner, his/her death shall be intimated to the bank at the earliest and in any case within one month of the demise, so that the bank does not continue crediting monthly pension to the joint account with the spouse, after the death of the pensioner. If, however, any amount has been wrongly credited to the joint account, it shall be recoverable from the joint account and/ or any other account held by the pensioner/ spouse either individually or jointly. The legal heirs, successors, executors etc. shall also be liable to refund any amount, which has been wrongly credited to the joint account. Payment of Arrears of Pension (Nomination) Rules 1983 would continue to be applicable to a Joint Account with the pensioner s spouse. This implies that if there is an accepted nomination in accordance with Rules 5 and 6 of these Rules, arrears mentioned in the Rules shall be payable to the nominee. 3. Existing pensioners desiring to get their pension credited to a joint account as indicated above are required to submit an application to the branch bank, from where they are presently drawing pension in the enclosed form. This would also be signed by the pensioner s spouse in token of having accepted the terms and conditions laid down in this Office Memorandum. These instructions are also applicable to the Govt. servants who will be retiring after the issue of this Office Memorandum. 4 All Administrative Departments / Heads of Departments and Authorised Banks are requested to give wide publicity to the Office Memorandum so that pensioners may avail of this benefit. By order Principal Secretary (Finance) to the Government of Himachal Pradesh. To All Administrative Department Government of Himachal Pradesh. Visit HIMACHAL WEBSITE, Address- Himachal nic. in.

3 -3- Endst. No. Fin(Pen)B(10)-9/94 Dated; Copy forwarded for information and necessary action to:- 1. The Divisional Commissioner Shimla, Mandi and Kangra at Dharamshala Himachal Pradesh. 2. All Heads of Departments in Himachal Pradesh. 3. The Principal Resident Commissioner, Himachal Pradesh, Himachal Bhawan, 27- Sikandra Road, New Delhi with 10 spare 4. The Accountant General (A&E) Himachal Pradesh, with 300 spare 5. The Director (Accounts) Cabinet Secretariat, Govt. of India, East Block No. 1, R.K. Puram, New Delhi. 6. The Divisional Organizer, Punjab, Himachal Pradesh and J&K, Divisions SSB Directorate General of Security, Shimla The Director, H.P. Institute of Public Administration, Mashobra, Shimla All Universities/ Corporations/ Boards & Public Sector Undertakings. 9. The Registrar General, H.P. High Court, Shimla All Deputy Commissioners in Himachal Pradesh. All District and Session Judges in Himachal Pradesh. 11. All District Treasury Officers/ Treasury Officers in H.P. with 20/5 spare copies respectively. 12. The Controller (F&A), Department of Personnel, H.P. Sectt. Shimla All Controllers/ Joint Controllers/ Deputy Controllers (F&A)/Asstt. Controllers (F&A)/ Section Officers (F&A) under the Control of Treasury & Accounts Organization. 14. The Pay & Accounts Officer, No. 1, Reserve Bank of India, Parliament Street, New Delhi. 15. The Commandant, Training Centre Sarahan, SSB (Rampur Bushehr), Distt. Shimla, Himachal Pradesh. 16. The Deputy Commissioner (Relief & Rehabilitation) Raja ka Talab, Nurpur. 17. The Chief Accountant, Reserve Bank of India, C-7, Central Office Govt. & Bank Account Deptt. Bandra Kurla Complex, Bandra, Mumbai with 100 spare copies for necessary action. 18. The Managing Director, Reserve Bank of India, Post Box No. 12, Mumbai The Managing Director, State Bank of Patiala, The Mall, Patiala, Punjab. 20. The General Manager, UCO Bank, No. 10, Binlahi Trelocav Maharaj Saraj. Kolkatta (West Bengal). 21. The General Manager, Union Bank of India, 239 Backway Reclamation, Nariman Point, Mumbai

4 The Divisional Manager, Punjab National Bank, Commercial Division-5, Parliament Street, New Delhi. 23. The General Manager, Central Bank of India, Chandramukhi, Nariman Point, Mumbai The Deputy General Manager, State Bank of India, Zonal Office, SDAcomplex Kasumpti, Shimla with 50 spare 25. The General Manager, State Bank of Patiala, The Mall Patiala, Punjab with 100 spare copies for circulation amongst the Branches of the Bank situated in Himachal Pradesh. 26. The Chief Manager, Central Bank of India, Sector-17, Chandigarh with 100 spare copies for circulation amongst the Branches of the Bank situated in Himachal Pradesh. 27. The Chief Manager, Union Bank of India, Sector-17, Chandigarh with 50 spare copies for circulation amongst the Branches of the Bank situated in Himachal Pradesh. 28. The Regional Manager, UCO Bank, Zonal Office, Himland Hotel, Shimla-1 with 50 spare 29. The Regional Manager, UCO Bank, Regional Office, Shyamnagar, Dharamsala (H.P.) with 50 spare 30. The Manager, Union Bank of India, Chandigarh (Main) Branch Bank Square, Sector 17-B, Chandigarh with 50 spare 31. The Regional Manager, Central Bank of India, Timber House, Shimla-1 with 20 spare 32. The Regional Manager, Punjab National Bank, The Mall, Shimla (Regional Office) H.P. with 50 spare copies for circulation amongst the Branches of the Bank situated in Himachal Pradesh. 33. The Regional Manager, Punjab National Bank, 287, Civil Lines, Dharamshala, Distt. Kangra, H.P. with 50 spare copies for circulation amongst the Branches of the Bank situated in Himachal Pradesh. 34. The Regional Manager, Punjab National Bank, Mandi, H.P. with 50 spare copies for circulation amongst the Branches of the Bank situated in Himachal Pradesh. 35. The Zonal Manager, Punjab National Bank, PNB House (Bank square) Sector-17, Chandigarh with 50 spare 36. The General Manager, Bank of India, Star House C-5, G-Block, 7 th Floor Bandra Kurla Complex, Bandra (Est) Mumbai The Zonal Manager, SCO , Bank of India, Chandigarh Zone, Sector-17-C Chandigarh. 38. The Senior Branch Manager, Bank of India, 45, The Mall Shimla with 20 spare 39. The Under Secretary (Finance Commission), H.P. Sectt. Shimla All Sections of Finance Department, H.P. Sectt. Shimla-2 with 5 spare copies each. 41. The Controller (F&A) Personnel Accounts Department, H.P. Sectt. Shimla-2 with 10 spare

5 The Deputy Chief Officer (Accounts), Regional Office, UCO Bank, Sansad Marg, New Delhi The Assistant General Manager (BOD), Local Head Office, State Bank of India, Post Box No. 139, Sector-17, Chandigarh with 50 spare 44. Incharge, NIC, H.P. Sectt. Shimla-2 with the request that this order of the State Government may kindly be put on State Website so that the pensioners/ family pensioner living out side the State may get the benefit of this order in time. Special Secretary(Finance)to the Government of Himachal Pradesh Endst. No. Fin (Pen)B(10)9/94 Dated: Copy forwarded to:- 1. The Accountant General (A&E), Andhra, Hyderabad with 50 spare 2. The Accountant General (A&E), Assam, Guwahati with 50 spare 3. The Accountant General (A&E), Nagaland, Kohima with 50 spare 4. The Accountant General (A&E), Tripura, Agartala with 50 spare 5. The Accountant General (A&E), Meghalaya, Shillong with 50 spare 6. The Accountant General (A&E), Manipur, Imphal with 50 spare 7. The Accountant General (A&E), Bihar, Patna with 50 spare 8. The Accountant General (A&E), Maharashtra, Mumbai with 50 spare 9. The Chief Accountant General (A&E), West Bengal, Kolkatta with 50 spare 10. The Accountant General (A&E), Gujrat, Ahmedabad with 50 spare 11. The Accountant General (A&E), J&K Srinagar with 50 spare 12. The Accountant General (A&E), Karnatka, Banglore with 50 spare 13. The Accountant General (A&E), Kerala, Thiruvananthapuram with 50 spare 14. The Accountant General, Madhya Pradesh Gwalior with 50 spare 15. The Accountant General (A&E), Chhattisgarh at Raipur with 50 spare 16. The Accountant General, Orrissa, Bhuvneshwar with 50 spare

6 The Accountant General (A&E), Punjab, Chandigarh with 50 spare 18. The Accountant General (A&E), Rajasthan, Jaipur with 50 spare 19. The Accountant General (A&E), Tamilnadu, Chennai with 50 spare 20. The Accountant General (A&E), Haryana, Chandigarh with 50 spare 21. The Accountant General (A&E) Uttar Pradesh, Allahbad with 50 spare 22. The Accountant General (A&E), Sikkim, Gangtok with 50 spare 23. The Accountant General (A&E) Jharkhand at Ranchi with 50 spare 24. The Accountant General (A&E) II, Uttaranchal Pradesh at Dehradun with 50 spare 25. The Pay & Accounts Officer (Administration) Vikas Bhawan, B-Block, New Delhi with 50 spare 26. The Pay & Accounts Officer, No.-5, Tis Hazari Delhi with 50 spare Special Secretary(Finance)to the Government of Himachal Pradesh

7 -7- To The Branch Manager, (Bank) (Branch and Address) Subject: Payment of pension under PPO No. through your bank branch. Dear Sir/Madam, I wish to receive my pension under PPO No. by getting it credited to the saving /current bank account No. which is operated jointly in your branch by me and my spouse, Mr./Mrs. in whose favour an authorization for family pension exists in the Pension Payment Order (PPO). I have read and understood the contents of the Government of Himachal Pradesh, Department of Finance O.M. No. Fin(Pen)B(10)9/94 dated which contains the following terms and conditions: (i) (ii) (iii) Once pension has been credited to a pensioner s bank account, the liability of the Government / Bank ceases. No further liability will arise, even if the spouse wrongly draws the amount. As pension is payable only during the life time of a pensioner, his/her death shall be intimated to the bank at the earliest and in any case within one month of the demise, so that the bank does not continue credited monthly pension to the joint account with the spouse, after the death of the pensioner. If, however, any amount has been wrongly credited to the joint account, it shall be recoverable from the joint account and / or any to her account held by the pensioner/spouse either individually or jointly. The legal heirs, successors, executors etc. shall also be liable to refund any amount which has been wrongly credited to the joint account. Payment of Arrears of Pension (Nomination) Rules,1983 would continue to be applicable to a Joint Account with the pensioner s spouse. This implies that if there is an accepted nomination in accordance with Rules 5 and 6 of these Rules, arrears mentioned in the Rules shall be payable to the nominee. I accept the above terms and conditions. My spouse too, in token of having accepted those terms and conditions, has put his / her signature below. 1. Signature of Pensioner 2. Signature of Spouse

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