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 |
Source: CPAO