Saturday, August 30, 2014



"You can be taken out of the workforce officially, but the work force can never be taken out of you ". 

"You will be remembered ever,  for the things that you did here. We are  confident  your services will be in the extended platform for the cause of common workers and downtrodden and this is the beginning of another leaf "....



அன்புத் தோழர்களுக்கு வணக்கம் ! கடந்த 28.08.2014 அன்று CENTRAL  JCA  அழைப்பின் கீழ் தமிழகத்தில்  JCA (NFPE & FNPO )வின் கோரிக்கை முழக்க ஆர்ப்பாட்டம்  பல இடங்களில் வெற்றிகரமாக நடைபெற்றது. 

சென்னையில் NFPE  COC  இன் கன்வீனர் தோழர். J . ராமமுர்த்தி அவர்கள் தலைமையிலும் FNPO COC  கன்வீனர் தோழர். P . குமார் அவர்கள் முன்னிலையிலும்  உணவு இடைவேளை ஆர்ப்பாட்டம்  CHIEF  PMG அலுவலகம் முன்பாக நடைபெற்றது . NFPE  , FNPO  மற்றும் PEPU சங்கத்தின் மாநிலச் செயலர்கள் கலந்து கொண்டு வாழ்த்திப் பேசினார்.  FNPO  சார்பில் அதன்  மாபொதுச் செயலர் தோழர். தியாகராஜன் அவர்களும்  NFPE  சார்பில் அஞ்சல் மூன்றின் (CHQ ) செயல் தலைவர் தோழர். N . கோபாலகிருஷ்ணன் அவர்களும் கோரிக்கைகளை விளக்கி சிறப்புரையாற்றினர். FNPO  R 4  மாநிலச் செயலர்  தோழர். ஸ்ரீதரன் அவர்கள் நன்றி கூற ஆர்ப்பாட்டம் இனிதே முடிவுற்றது. 

இந்த நிகழ்வில் எடுக்கப்பட்ட புகைப்படமும்,  புது டெல்லியில் இதே நாளில் நம்முடைய கோரிக்கை மனுவை இலாக்கா உயர் அதிகாரிகளிடம்  நம்முடைய தலைவர்கள் அளிக்கும் புகைப்படமும் ,  மற்றும் பல்வேறு கோட்டங்களில்  சிறப்பாக நடைபெற்ற இந்த ஆர்ப்பாட்டத்தில் எடுக்கப் பட்ட சில புகைப்படங்களும் உங்கள் பார்வைக்கு கீழே தருகிறோம்.










               Com. M. Krishnan, Secretary General, National Federation of Postal Employees (NFPE) & Confederation of Central Govt. Employees & Workers, General Secretary, All India Postal Employees Union Group-C (CHQ), Leader, JCM Departmental Council, Department of Posts, Member, JCM National Council will be retiring from service on superannuation on 31st August, 2014.
                   As per the decision of NFPE Federal Executive meeting held on 21-08-2014 and Central Working Committee meeting of AIPEU Group-C (CHQ) held on 22nd to 24th August, 2014 at Ongole (Andhra Pradesh) Com: M.Krishnan, will continue to function in the NFPE & P-3 CHQ till next Federal Council of NFPE (May 2016) and All India Conference of AIPEU Group-C (June 2015).  He will also continue to lead the entire Central Government employees as Secretary General, Confederation till the next National Conference (2016).
                   Com: R.N.Parashar, Asst. Secretary General, NFPE, will take charge as Secretry General, NFPE from 01-09-2014 till next Federal Council as per the decision of NFPE Federal Executive meeting.  Com.N.Subramanian, Deputy General Secretary, AIPEU Group-C (CHQ) will officiate as General Secretary, AIPEU Group-C (CHQ) till next AIC, as per the decision of CWC meeting of AIPEU Group-C.
                   NFPE CHQ, AIPEU Group-C (CHQ) and the CHQs of all other affiliated unions of NFPE extend our best wishes to Com.M.Krishnan and we are sure that he will lead us in the coming days also.
                   We are reproducing below the resolutions adopted by NFPE Federal Executive meeting and Central Working Committee meeting of AIPEU Group-C on the services rendered by Com.M.Krishnan.  We are also reproducing a letter received from Shri.D.Theagarajan, Secretary General, FNPO.
            The Federal Executive of NFPE records its full appreciation for the yeoman service rendered by Comrade M.Krishnan as the Secretary General of NFPE. The Federation has scaled new heights during his stewardship and the unity of Postal regular employees and Gramin Dak Sewaks entered into a new chapter under his leadership. The united movements of Postal Workers under the banner of Postal JCA as well as the independent struggles under the mighty National Federation of Postal Employees are further strengthened under his able leadership. He provided a militant, progressive leadership with farsightedness for the betterment of Postal Workers. It is  under his leadership that the NFPE claimed its historic vanguard role of leading the entirety of CG Employees under the platform of Confederation of CG Employees & Workers and it can be seen that the movement of central government employees has launched a powerful movement including strikes for the establishment of 7th CPC with Comrade M.Krishnan as its Secretary General. The integration of Postal and CG Employees with the entirety of Indian working class organisations in developing the path of united struggles against the neo-liberal policies of Government has further been cemented during his tenure. The leadership of confederation has come back to the Postal Organisation after a long period of 44 years and comrade Krishnan is leading the movement of CG employees in the path of struggle with firmness and it is noteworthy to mention that the unity of all JCM National Council organisations has reached its zenith with all coming together in championing the cause of three lakhs of Gramin Dak Sewaks and thousands of casual labourers in Postal and CG services due to his firm efforts. Ideological education of all cadres and employees through several All India and Regional Trade Union Camps under the banners of NFPE and Confederation; Concrete organisational steps for mobilizing the women employees of Postal Department as well as the Confederation level are some of the landmark achievements of Comrade Krishnan. The National Executive notes with happiness that all the affiliates of NFPE have always maintained a unified stand on all important activities of the Federation and this unity is due to the confidence created amongst all affiliates by the unifying leadership of Comrade Krishnan. The relinquishing of charge as the Secretary General of NFPE by him due to his superannuation from the Government Service is a huge loss to the movement but the Executive wishes to get his valuable advice and guidance to the Federation in the days to come. The National Executive places on record its unstinted gratitude to Comrade M.Krishnan for his able leadership to the historic organisation of NFPE not only as Secretary General but in numerous other capacities as well during his long service.  The Federal Executive further resolves that Com.M.Krishnan will continue to be in the Federal Executive of NFPE even after handing over charge, till the next Federal Council meeting to be held in May 2016.
            The Central Working Committee of All India Postal Employees Union Group ‘C’ (CHQ) held in Ongole (Andhra Pradesh) from 22.8.2014 to 24.8.2014 unanimously appreciates the sincere, superb and outstanding services rendered by Com. M. Krishnan as General Secretary of AIPEU Group ‘C’ (CHQ) and Secretary General of NFPE & Confederation during his tenure and like to place on record our whole hearted compliments,greetings and commendations to him and also acknowledge and recognize him for his unparalleled and appreciated service, which definitely resulted in charming the organization to new heights and also in settling many of the long pending demands of the Postal employees, especially Postal Group ‘C’ staff.

Com. M. Krishnan’s contributions in enhancing the prestige and image of AIPEU Group ‘C’ and thereby NFPE as well as the Confederation, will be remembered forever. In order to strengthen the organization and also to enhance the organizing capacity of the rank and file leaders the P3 CHQ  & NFPE CHQ under the leadership of Com. M. Krishnan is maintaining constant communication with the general membership through website and also the Bhartiya Post and Postal Crusader monthly journals. The Trade Union classes and workshops organized by Com M.Krishnan, General Secretary for the NFPE and the Confederation has also contributed to a great extent in improving the quality of the organization. The need of the unity amidst the working class of all sections as well as Government employees, organized and unorganised workers, he preached and also practiced during his tenure upsurge him to the  standard of a great statesman and a living legend. It is only Com M. Krishnan, who spends more than 20 hours daily for the working class all along during his tenure.

Com. M.Krishnan is a vivacious, vibrant,meticulous hard working and fully committed leader and is always working for the upliftment and welfare of the Postal employees, especially most down-trodden three lakhs Gramin Dak Sewaks. He has also extended his helping hand to all affiliated unions of the NFPE as the Member and then Leader of the JCM (Departmental Council) Staff side. He is also the All India Secretary General of the Confederation of Central Government Employees & Workers and is at the forefront in implementing all the programmes of the Confederation. The two days strike in February 2014 demanding the formation of the Seventh Pay Commission cut the ice and is one of the milestone in the history of the CG employees’ movement.

Com M.Krishnan has pioneered and crusaded his best in making the General Strikes conducted as per the call of Central Trade Unions and other Federations including NFPE against the anti-people and anti-worker policies of the Govt. a grand success in the Postal Sector. As the Secretary General, National Federation of Postal Employees he built the unity of all the Postal employees and conducted various trade union actions which have prevented the adverse effect of implementation of the new economic policy in the postal sector and to save the postal service as a public utility service. The mass recruitment to the extent of 30% and more in the postal is the major advancement of the Federation for which the skill and negotiating capacity of the Secretary  General NFPE Com M. Krishnan are fully exploited. The fight against closure of 9797 Postoffices and 300 RMS offices in the name of McKincey Consultancy’s recommendation, the campaign against the New Postal Policy and the move of the Govt. to privatise postal services by granting licence to Courier Services, the Cadre Restructuring agreement etc are examples of his uncompromising stand, hard-bargaing and negotiating skill. His capacity to make inspiring and educative speeches and also taking class are worth emulating.

This Central Working Committee of this Union, while saluting Com. M. Krishnan for his devoted and dedicated service to the Central Govt. Employees and Postal employees, especially to the CHQ of AIPEU Group ‘C’ hereby resolved to utilize the valuable and experienced services of Com. M. Krishnan in the AIPEU Group ‘C’ (CHQ) till the next All India Conference to be held in June 2015.
In regard to the services rendered by Sri M.Krishnan to the employees, I am unable to find words to express my appreciation towards him. In the last few years my relationship with him is very cordial and it became useful to the Postal employees.  His manner of approaching official side with the issues of staff is bold as well as of positive nature .
So far I do not find negative attitude in him during the negotiation with official side. The retirement of Shri  M.Krishnan from the Department is a great loss to the Postal employees in particular and  central government employees  in general .
In fine , I feel that a good friend of mine is retiring from the service.. I pray to  the Almighty to shower blessings on him and his family members to give happiness and prosperity .


In continuation of the CWCs already held at Hyderabad and Guwahati, the third Central working committee of AIPEU Group ‘C’ was convened at Ongole – A. P. from 22.08.2014 to 23.08.2014, after the Last AIC.

The NFPE & AIPEU Group ‘C’ flags were upraised by Com. Giriraj Singh President NFPE and Com. R. Sivannarayana CHQ President respectively. Out of 15 office bearers the following Thirteen were present.

1.      Com. R. Sivannarayana, President
2.      Com. Mangesh Parab, Working President
3.      Com. N. Gopalakrishnan, Working President
4.      Com. R. C. Mishra, Vice President
5.      Com. C. P. Shobana, Vice President
6.      Com. M. Krishnan, General Secretary
7.      Com. N. Subramanian, Dy. General Secretary
8.      Com. R. N. Parashar, Asst. General Secretary
9.      Com. A. Veeramani, Asst. General Secretary
10.  Com. Balwinder Singh, Financial Secretary
11.  Com. U. K. Tiwari, Org. General Secretary
12.  Com. S. A. Hamid, Org. General Secretary
13.  Com. L. P. Saikia, Org. General Secretary

Com. Gaurang Dev Maity, Asst. General Secretary & Com. H. P. Diwakar, Asst. Financial Secretary were absent.

Out of 22 Circles, barring Delhi Circle in Organisational dispute all the 21 circles represented. Six Mahila Committee members were also present.

Com. Giriraj Singh President NFPE & General Secretary, AI RMS & MMS EU Group ‘C’ inaugurated the CWC session.

Com. R. Sivannarayana, President CHQ presided over the CWC and the Working Presidents & Vice Presidents assisted him during the session. On behalf of receiption committee Com. DASV Prasad, Circle Secretary, Andhra Pradesh Circle gave welcome address.

The General Secretaries of Sister unions and office bearers of NFPE & Leaders took part amidst the active session and presented their speech.

Com. Seethalakshmi, General Secretary, AIPEU Postmen & MSE/Group ‘D’
Com. P. Suresh, General Secretary, AI RMS & MMS EU MAILGUARDS & MTS GROUP 'C'
Com. V. K. Tiwari, General Secretary, All India Postal SBCO Employees Union Group ‘C’
Com. P. Pandurangarao, General Secretary, AIPEU-GDS (NFPE)
Com. P. Mohan, General Secretary, AIP Casual, Part Time, Contingent, Contract Workers Federation
Com. S. Raghupathy, Asst. Secretary, NFPE
Com. I. S. Dabas, Ex-General Secretary, AIPEU Postmen & MSE/Group ‘D’
Com. K. V. Sridharan, Ex-General Secretary, AIPEU Group ‘C’
Com. Manoharan, Working President, NFPE
Com. B. G. Tamhankar, Ex-President, AIPEU Group ‘C’ & NFPE
Com. Appanraj, Ex-General Secretary, All India Postal SBCO Employees Union Group ‘C’

The CWC eleaborately discussed in length and breadth of all the issues related to technology, Core Banking solutions, Core Insurance solutions, MACPs, Cadre restructuring JCM Departmental Council items, Postal JCA Charter of demands and programme of action and Confederation Charter of demands etc.

The following are the important decisions arrived by concensus in the CWC.

1.      The Confederation’s effort for inclusion of GDS demands in 7th CPC, DA merger etc has been endorsed.
2.      The upgradation of pay scale of PA/SA and supervisory posts will be given due importance while oral evidence with 7th CPC.
3.      CWC full endorsed the AIPEU Group ‘C’ (CHQ) Memorandum to 7th CPC.
4.      The CWC endorses memorandum submitted by NFPE, JCM NC, Confederation, demanding minimum wage as per 15th ILC, DA merger etc. Five promotion & inclusion GDS in true spirit.
5.      The CWC decided to insist the department to implement the agreed cadre restructuring proposal at the earliest.
6.      The CWC directed all Divisional and Branches as well as the Circle Secretaries to celebrate the Diamond Jubilee of NFPE in a befitting manner by holding conventions, meetings, recognize the services of old leaders etc.
7.      The CWC requested all the divisions and branches to observe Postal JCA programme of actions to clinch all the 39 demands.
8.      To end the election dispute of Delhi Circle, it has been decided to conduct General Body by CHQ itself on the basis of actual membership being existed in the divisions after obtaining legal opinion.

Further to the above decisions, the following resolutions have been passed unanimously.

1.      In the wake of retirement of Com. M. Krishnan, General Secretary on 31.08.2014, Com. N. Subramanian Deputy General Secretary will officiate in the post of General secretary and Com. M. Krishnan will continue to function in the CHQ till ensuing AIC.
2.      Repairing of building of Tarapada Bhawan at New Delhi may be executed as the present state of the building needs rewiring plastering of roof and floor etc. The proposed expenditure will be around Rs. One Lakh.

In precise, the CWC has gone in a constructive manner and the discussions were in detail. The decision taken above will be the road map to the CHQ for its effective functioning. The views and suggestions deliberated by the CWC members have been taken proper note of and they will be taken up with the Directorate and other levels.

CWC recorded its special and sincere thanks to the host of the CWC, (i.e) the Andhra Pradesh Circle Union and in particular to Com. D. A. S. V. Prasad, Circle Secretary, Andhra Pradesh and the divisional union, Prakasam division for volunteering to host the CWC and for the elaborate grand arrangements they made for this meeting and also the wide publicity given through posters and website.

Com. N. Subramanian, Deputy General Secretary has delivered vote of thanks on behalf of CHQ.

Com. D. A. S. V. Prasad Circle Secretary A. P. delivered vote of thanks on behalf of Receiption Committee.

In total, the CWC at Ongole ended with a historic success.


Thursday, August 28, 2014


JCA  வின் கோரிக்கை முழக்க ஆர்ப்பாட்டம் 
நாள் : 28.08.2014

அன்புத் தோழர்களுக்கு வணக்கம். எதிர்வரும் 28.08.2014 அன்று பொதுக் கோரிக்கைகள் மற்றும் பகுதி வாரிக் கோரிக்கைகளாக 39 கோரிக்கைகளை  வலியுறுத்தி நமது NFPE  மற்றும் FNPO  இரண்டு சம்மேளனங்களும் இலாக்கா முதல்வரிடம் கோரிக்கை மனு அளிக்க உள்ளனர். இந்தப் பிரச்சினைகளைத் தீர்த்திட கோரி நாடு தழுவிய அளவில் 6 கட்ட போராட்டமும்  அறிவிக்கப் பட்டுள்ளது . 

கோரிக்கை மனு அளித்திடும் நாளில் , அதாவது 28.08.2014 அன்று JCA  சார்பில் தமிழகத்தின் ஒவ்வொரு கோட்ட/ கிளைகளிலும்  கோரிக்கை முழக்க ஆர்ப்பாட்டம் நடத்திட வேண்டுகிறோம். தமிழக JCA  சார்பில் அனைத்து மாநிலச் செயலர்களும் கலந்துகொள்ளும் ஆர்பாட்டம் 28.08.2014 அன்று  மதியம் உணவு இடைவேளையில் CPMG  அலுவலக வளாகத்தில் நடைபெற உள்ளது.  

சென்னை பெருநகரத்தில் உள்ள அனைத்து அஞ்சல் - RMS  பகுதிகளில் உள்ள NFPE  மற்றும் FNPO  வின்  P 3, P 4 , R 3, R 4, ADMIN, ACCOUNTS, SBCO , GDS  சங்கத்தை சேர்ந்த ஊழியர்கள் கண்டிப்பாக இந்த ஆர்ப்பாட்டத்தில் கலந்து கொள்ள வேண்டுகிறோம். 

கீழே காணும் JCA அறிக்கையின் நகலை PRINT  செய்து அனைத்து தோழர்களுக்கும் அளிக்கவும். கோரிக்கைகள் மற்றும் அனைத்து  பொதுச் செயலர்களின் கையெழுத்துடன் அடங்கிய  கோரிக்கை மனுவின்  நகல் ஏற்கனவே  நமது வலைத்தளத்திலும், அகில இந்திய சங்க, மற்றும்  சம்மேளனங்களின் வலைத்தளத்திலும் பிரசுரிக்கப் பட்டுள்ளது.

இவற்றை அஞ்சல் மூன்று வலைத்தளங்கள் உள்ள கோட்டங்கள், தங்கள் வலைத்தளங்களில்  நகல் எடுத்து உடன் பிரசுரிக்கவும் .  போராட்டத்தை பரவலாக தமிழகம் முழுதும் நடத்திட வேண்டுகிறோம். அப்படி நடத்தப் பட்ட ஆர்ப்பாட்டக் கூட்டங்களின் புகைப்பட நகலை  மாநில சங்க EMAIL  முகவரிக்கு அனுப்பவும், அவை மாநிலச் சங்க வலைத்தளத்தில் பிரசுரிக்கப்படும்.


Today (on 27.08.2014) on behalf of the Tamil nadu  State Unit of the  Confederation, we have staged a massive demonstration in front of The State Guest House, Chepauk, Chennai - 5 to press the following demands:-

1) Condemning the high handedness of the Trinamool Congress Govt. for unleashing attacks against union activists; Adhering "West Bengal Solidarity Day" as per the call given by Confederation.

2) protest against the decision of the Central Govt. to raise the FDI cap from 26% to 49 % in Insurance sector and further in Railways, Banking and Defence sectors.

3) to press the Central Govt. on 7th pay commission related demands including , inclusion of GDS in the purview of 7th CPC, demanding merger of DA, grant of IR, Scrapping of New Pension Scheme etc.

A resolution has been drafted on these demands and sent to Hon'ble Prime Minister of India and to the  Cabinet Secretary.

About 300 comrades from various sectors including Postal, RMS, IncomeTax, AG's office, Atomic Energy, Rajaji Bhavan, Shastri Bhavan etc  have taken part. Secretaries and office bearers from various State Units have taken part.

Com.J. Ramamurthy, State Unit President, Confederation, Tamilnadu has presided. Com.M.Duraipandian, General Secretary of the State unit delivered special address and Com. S.Sundaramurthy, Financial Secretary of the State Unit delivered vote of thanks. Com. Elangovan, General Secretary of DREU greeted.

Some of the photos taken during the demonstration are clipped below for yor view.

Wednesday, August 27, 2014

Cadre Restructuring Committee report submitted by the official side dt.26.08.2014

CADRE RESTRUCTURING  COMMITTEE யின் இலாக்கா தரப்பு  அறிக்கை கடந்த 26.08.2014 இல் அரசுக்கு சமர்ப்பிக்கப்பட்டுள்ளது.  அதன்  நகலைப் பெற கீழே உள்ள இணைப்பை  'கிளிக் ' செய்யவும்.

National Council JCM Staff Side has made a demand to 7th PAY Commission for Interim Relief and Merger of DA with Basic Pay

NC JCM had raised the issue regarding payment of interim relief and merger of dearness allowance with pay , as an Agenda Item of the Standing Committee of National Council (JCM ) in its meeting held on 7th May, 2014

National Council (Staff Side)

Shiva Gopal /Mishra
National Council (Staff Side)
Joint consultative Machinery for Central government employees
13-C, Ferozshah Road, New Delhi –110001

The Hon’ ble Chairman,
7th Central Pay Commission
Chatrapati Shivaji Bhawan,
1st Floor, B-14/A, Qutab Institutional Area,
New Delhi -110016

Respected Sir,

Reg : Payment of Interim Relief and Merger of Dearness Allowance with Pay.

The Staff Side of National Council (JCM) , had raised the issue regarding payment of interim relief and merger of dearness allowance with pay , as an Agenda Item of the Standing Committee of National Council (JCM ) in its meeting held on 7th May, 2014.

After detailed deliberations , it was stated by the Secretary (Expenditure), Ministry of Finance on this item that since the terms of reference enables the 7th CPC to send Interim Report , as such, the Staff Side might approach the Pay Commission for a report on Interim Relief and Merger of Dearness Allowance, as recorded in the Record Note of meeting, forwarded to Staff Side vide Director(JCA), Government of India, Ministry of Personnel, Public Grievances and Pensioners , Department of Pension and Pensioner’s Welfare ‘s letter No. 3/9/2014/JCA dt.24/7/2014.

We, therefore, humbly request you to kindly favourably consider our demand of payment of Interim Relief and Merger of Dearness Allowance with pay as Dearness Allowance, has since crossed the value of 100% on 1st January, 2014 and a number of Government Employees are superannuating every month,who would be deprived of the benefit of the same.

Yours sincerely,
(Siva Gopal Mishra )
Secretary (Staff Side)

CHQ writes to Secy(Posts) on embarrassing advertisement of ladies sanitary napkins on the backside of MPCM stickers

வியாபாரம் என்ற போர்வையில் மகளிரைக் கொச்சைப்படுத்தும் அதிகாரிகளுக்கு யார் பாடம் தருவது ?

PM sets up Committee to identify obsolete laws within three months

PM sets up Committee to identify obsolete laws within three months

Press Information Bureau
Government of India
Prime Minister's Office
27-August-2014 16:49 IST

             Prime Minister has approved the constitution of a Committee to carry out a review to identify obsolete laws. 

The newly-constituted Committee will examine all Acts recommended to be repealed by the Committee on Review of Administrative Laws, which had been appointed by the Union Government of Shri Atal Bihari Vajpayee, in 1998. The Prime Minister has expressed concern that out of the 1382 Acts recommended for repeal by that Committee, only 415 have been repealed so far. He has called for a focused and result-oriented exercise to systematically weed out archaic laws and rules. The Committee will also examine Acts and Rules which may have become obsolete within the last ten to fifteen years.  

The Committee will be chaired by Shri R. Ramanujam, Secretary PMO. Shri V.K. Bhasin, former Secretary, Legislative Department, will be its other member. The Committee will submit its report within three months, so that a comprehensive Bill can be introduced in the Winter Session of Parliament, based on its recommendations. 

Prime Minister to Launch Pradhan Mantri Jan Dhan Yojana Tomorrow

Prime Minister to Launch Pradhan Mantri Jan Dhan Yojana Tomorrow: To Dedicate Mobile Banking Facility on Basic Mobile Phones to the Nation

Press Information Bureau
Government of India
Ministry of Finance
27-August-2014 17:58 IST
Prime Minister to Launch Pradhan Mantri Jan Dhan Yojana Tomorrow: To Dedicate Mobile Banking Facility on Basic Mobile Phones to the Nation  
            The Prime Minister, Shri Narendra Modi will launch the Pradhan Mantri Jan Dhan Yojana (PMJDY) tomorrow at a function in the national capital. On this occasion, an exhibition on Technology and Financial Literacy will be organized. The Prime Minister will visit this exhibition. A film on ‘Financial Inclusion’ will also be screened. The Prime Minister will unveil a Logo and a Mission Document on Financial Inclusion.  He will also distribute awards to the winners of the Logo contest and the ‘account opening kit’ to five beneficiaries on this occasion. He will dedicate the mobile banking facility on the basic mobile phone (USSD) to the nation. 

The Union Finance Minister Shri Arun Jaitley, Minister of State for Finance, Ms. Nirmala Sitharaman, Principal Secretary to the Prime Minister, Cabinet Secretary and Governor, Reserve Bank of India (RBI) will be present on this occasion among other dignitaries. 

Under PMJDY, Comprehensive Financial Inclusion based is proposed be achieved under the six pillars as under: 

Phase I (15th August ,2014-14th August,2015)- 

v     Universal access to banking facilities

v     Providing Basic Banking Accounts with overdraft facility of Rs.5000 after six months and RuPay Debit card with inbuilt accident insurance cover of Rs. 1 lakh and RuPay Kisan Card

v      Financial Literacy Programme 

Phase II (15th August 2015-15th August,2018)- 

v     Creation of Credit  Guarantee Fund   for coverage of defaults in overdraft  A/Cs

v     Micro Insurance

v     Unorganized sector Pension schemes like  Swavlamban  

In addition, in this phase, coverage of households in hilly, tribal and difficult areas would be carried out. Moreover, this phase would focus on coverage of remaining adults in the households and students. 

·        All the rural & semi urban areas of the country is proposed to be mapped into Sub Service Area (SSA) comprising 1000-1500 households with an average 3-4 villages with relaxation in NE/ Hilly states.

·        It is also proposed that looking to the viability of each centre around 74000 villages with population more than 2000 which were covered by Business Correspondents under Swabhiman Campaign will be considered for conversion into full fledged Brick & Mortar branches with staff strength of 1+1/1+2 in the next three years.

·        All the 6 lakh villages across the entire country are to be mapped according to the Service Area of each Bank to have at least one fixed point Banking outlet catering to 1000 to 1500 households, called as Sub Service Area (SSA). It is proposed that SSAs shall be covered through a combination of banking outlets i.e branch banking and branch less banking. Branch banking means traditional Brick & Mortar branches. Branchless banking comprises of fixed point Business Correspondents agents, who act as representative of Bank to provide basic banking services.

·        The implementation strategy of the plan is to utilize the existing banking infrastructure as well as expand the same to cover all households. While the existing banking network would be fully geared up to open bank accounts of the uncovered households in both rural and urban areas, the banking sector would also be expanding itself to set up an additional 50,000 Business correspondents (BCs), more than 7000 branches and more than 20000 new ATMs in the first phase .

·        The comprehensive plan is necessary considering the learnings from the past where a large number of accounts opened remained dormant, resulting in costs incurred for banks and no benefits to the beneficiaries.  

v     The plan, therefore, proposes to channel all Government benefits (from Centre/State/Local body) to the beneficiaries to such accounts and pushing the Direct Benefits Transfer (DBT) scheme of the Union Government including restarting the DBT in LPG scheme. MGNREGS sponsored by Ministry of Rural Development (MoRD, GoI) is also likely to be included in Direct Benefit Transfer scheme.

·        Keeping the stiff targets in mind, in the first phase, the plan would focus on first three pillars in the first year starting from 15th August, 2014.

·        The target for setting up additional 50,000 BCs is quite challenging given the constraints of telecom connectivity.

·         In order to achieve this plan, phase wise and State wise targets for Banks have been set up for Banks for the period 15th August, 2014 to 14th August, 2015. 

·        In order to achieve a “demand” side pull effect, it would be essential that there is Branding  and awareness of Business Correspondent model for providing basic banking services, Banking Products available at BC outlets and RuPay Cards. A media plan for the same is being worked out in consultation with banks.

·        A Project Management Consultant/Group would be engaged to help the Department implement the plan.

·        It is proposed to launch the programme simultaneously at National level in Delhi, at every State capital and all district headquarters.

·        A web-portal would be created for reporting/monitoring of progress.

·        Roles of various stakeholders like other Departments of the Central Government, State Governments, RBI, NABARD, NPCI and others have been indicated.

·        Gram Dak Sewaks in rural areas are proposed as Business Correspondent of Banks.

·        Department of Telecom has been requested to ensure that problems of poor and no connectivity are resolved. They have informed that of the 5.93 lakh inhabited villages in the country (2011 census) only about 50,000 villages are not covered with Telecom connectivity.