SERVICE CONDITIONS OF OFFICERS IN STATE BANK OF … CONDITION/SERVICE CONDITION 10TH BIPART... ·...

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SERVICE CONDITIONS OF OFFICERS IN STATE BANK OF INDIA :

AIDE - MEMOIRE

NOTES :

• SBIOSR : State Bank of India Officers’ Service Rules.

• The numbers appearing against service conditions are the numbers of Staff Circulars together withthe relative years.

CHAPTER - 1 : SALARY SCALES

1.1 Scales of Pay : (w.e.f. 01-11-2012) e-Cir/368/2015-16

Scale I - 23700 980 30560 1145 32850 1310 420207 2 7

Scale II - 31705 1145 32850 1310 45950 1 10

Scale III - 42020 1310 48570 1460 51490 5 2

Scale IV - 50030 1460 55870 1650 591704 2

Scale V - 59170 1650 62470 1800 66070 2 2

Scale VI - 68680 1960 76520 4

Scale VII - 76520 2120 85000

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Fitment :Fitment shall be stage-to-stage, i.e., on corresponding stages from 1st stage onwards and theincrements shall fall on the anniversary date as usual.

1.2 Stagnation Increments :

a. Officers in JM Grade Scale I who have moved to scale of pay for MMG Scale II in terms of Regulation5(b) after reaching maximum of the higher scale shall be eligible for four stagnation incrementsfor every three completed years of service of which first two shall be Rs.1310/- each and next twoRs.900/- each.

b. Officers in MMG Scale II who have moved to scale of pay for MMG Scale III in terms of Regulation

5(b) after reaching maximum of higher scale shall be eligible for three stagnation increments ofRs.1460/- each for every three completed years of service and a fourth stagnation increment ofRs. 1460/- two years after receipt of third stagnation increment.

Provided that officers who have completed two years or more after receipt of the third stagnationincrement will get the fourth stagnation increment with effect from 01.05.2015.

c. Officers in substantive MMG Scale-III, i.e., those who are recruited in or promoted to MMG ScaleIII shall be eligible for four stagnation increments of Rs.1460/- each for every three completed yearsof service, and a fifth stagnation increment of Rs. 1460/- two years after receipt of fourth stagnationincrement provided that the officers who have completed two year after receipt of the fourthstagnation increment will get the fifth stagnation increment w.e.f. 01.05.2015 .

d. Officers in SMGS-IV shall be eligible for one stagnation increment of Rs. 1650/- three years after

reaching the maximum of scale w.e.f. 01.05.2015.

e. JAIIB/CAIIB/Graduation : Non-subordinate employees who acquire such qualification after reachingthe 19th or 20th stage, their next immediate stagnation increment may be advanced accordinglyby one/two years, as the case may be, w.e.f. 01.11.2012 or the actual date of such advancement,whichever is later : e-Cir/620/2015-16.

f. Stagnation Increments : Clarifications : Detailed in the Chart furnished in e-Cir/886/2015-16.

1.3 Fitment :

Fitment : On Promotion from One Scale to A Higher Scale : w.e.f. 01.11.2012 : e-Cir/780/2015-16.

(Updated up to 10th December, 2015)

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STAGNATON INCREMENTS :

ILLUSTRATIONS

Ref. : e-Cir/886/2015-16

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CHAPTER - 2 :

ALLOWANCES

2.1 Dearness Allowance (DA) : e-Cir/368/2015-16

On and from 1.11.2012, Dearness Allowance payable for every rise or fall of four points over 4,440points in the quarterly average of the All-India Average Working Class Consumer Price Index (General)

Base 1960=100 at 0.10% of Pay.

2.2 House Rent Allowance (HRA): (w.e.f. 01-11-2012) e-Cir/368/2015-16

List of places as per Census 2011 : Enclosed to e-Cir/699/2015-16.

I II

i) Major “A” Class Cities and Project Area Centres in Group A 9% of Pay

ii) Other places in Area I and Project Area Centres in Group B 8% of Pay

iii) All Other places 7% of Pay

Provided that if an officer produces a rent receipt, the House Rent Allowance payable to him/her shall be theactual rent paid by him/her for the residential accommodation in excess over 0.7% of Pay in the first stageof the Scale of Pay in which he/she is placed with a maximum of 150% of the House Rent Allowance payable

as per aforesaid rates mentioned in Column II above.

Note :

The claims of officer employees for House Rent Allowance linked to the cost of their ownership accommodationshall also be restricted to 150% of House Rent Allowance as hitherto.

Note :

i) The claims of officer employees for House Rent Allowance linked to the cost of their ownershipaccommodation shall also be restricted to 150% of House Rent Allowance as hitherto.

ii) Officers transferred to Difficult centres/any of the Circles on promotion who had, prior to such transfer,been staying in their own houses and continue to retain their families thereat or who shift their families totheir own houses after such transfer, are eligible for payment of HRA on ‘capital cost’ basis during their postingat the Difficult centres/any of the Circles on promotion. Further, such officers posted at Corporate Centre and

its establishments who were prior to such postings occupying their own houses and drawing HRA on capitalcost basis, will be permitted payment of HRA on capital cost basis until they are provided/allotted residentialaccommodation/flat by the Bank at their new place of posting.

58/2003-2004, 73/1998-99 & 73 & 42/1996-97

iii) An Officer posted at a Difficult centre, who was residing in a rented accommodation arranged by himselfat his previous place of posting and continues to retain his family thereat, can draw HRA on rent receipt basis(as admissible in terms of SBIOSR) if official / leased accommodation has not been provided to him by theBank at the place of his posting (Difficult centre). 73/1998-99

iv) An Officer posted to a ‘rural’ centre, who had been living in his own house and drawing HRA on ‘capital

cost’ basis at the place of his previous posting and who does not shift his family from that place, shall bepermitted to continue to draw HRA on ‘capital cost’ basis during his tenure at centre @ applicable at the Centerwhere the officer's house is situated irrespective of his place of posting. e-592/2008-09

v) In a situation where the revision on interest rates on long term deposits has taken place subsequentto taking of the house of the employee on lease, the highest interest rate (applicable to staff members) onlong term deposits prevailing at the time when the house was taken on lease be considered, during everyannual review. 09/2002-03

2.3 Fixed Personal Pay (FPP): (w.e.f. 1.11.2012) e-Cir/368/2015-16

Fixed Personal Pay together with House Rent Allowance shall be at the following rates and shall remain frozenfor the entire period of service.

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Increment Component DA as on 01.11.2012 Total F.P.P. payable where Bank’saccommodation is provided (Rs.)

(Rs.) (Rs.)

(A) (B) (C)

1310 143 1453

1460 159 16191650 180 18301800 196 19961960 214 21742120 231 2351

Note :i) F.P.P. as indicated in “C” above shall be payable to those officer employees who are provided with Bank’s

accommodation.ii) F.P.P. for officers eligible for House Rent Allowance shall be “A” + “B” plus House Rent Allowance payable

on the last increment of the relevant scale of pay.iii) The increment component of F.P.P. shall rank for superannuation benefits.iv) Only officers who were in the service of the Bank on or before 01.11.1993 are eligible for F.P.P. one year

after reaching the maximum scale of pay they are placed.v) Promotion : When an employee is promoted to a next higher cadre/scale after drawing FPP in the lower

cadre/scale, then he would continue to get the same amount of FPP in the promoted scale (except whenFPP is changed on wage revision till such time he reaches the maximum in the promoted cadre/scale.On completion of stipulated one year at the maximum of the promoted cadre/scale, he shall be sanctionedFPP as applicable to the higher cadre/scale in which he is placed. e-Cir/552/2010-11

2.4. Special Compensatory Allowance (SCA) : 28/2003-04&66/1994-95

All officers, who joined the Bank’s service on or before 31.10.1993, are eligible for SCA on a stage to stagebasis as per Chart given below. As and when the Officers move from one stage of their pay scale to the nextstage, they are paid SCA as applicable to that (next) stage. SCA does not rank for DA, CCA, HRA andsuperannuation benefits.

Old Basic New BasicWho were in service as on 23.07.2003 and

were already drawing SCA at old rates

Basic Pay SCA Amt. Basic Pay (w.e.f. 01.11.2007) SCA Amt.

10000 to 16560 Rs. 575.00 14500 to 23300 Rs. 575.00

17120 to 199920 Rs. 650.00 24100 to 28100 Rs. 650.00

20480 to 21040 Rs. 700.00 28900 to 29700 Rs. 700.00

21660 Rs. 850.00 30600 Rs. 850.00

22280 and above Rs. 1000.00 31500 and above Rs. 1000.00

Old Basic New BasicWho were in service as on 23.07.2003 and

were not already drawing SCA

Basic Pay SCA Amt. Basic Pay (w.e.f. 01.11.2007) SCA Amt.

10000 to 16560 Rs. 225.00 14500 to 23300 Rs. 225.00

17120 to 21660 Rs. 300.00 24100 to 28100 Rs. 300.00

22280 and above Rs. 450.00 28900 and above Rs. 450.00

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2.5 City Compensatory Allowance (CCA) : e-Cir/368/2015-16

List of places as per Census 2011 : Enclosed to e-Cir/699/2015-16.

CCA is payable to officers as per the place of their posting and at the rates/ceilings mentioned below (w.e.f.01-11-2012) :

Area Rate Maximum Amount

i) Places in Area-I and in the 4% of Rs.870/- p.m.

state of Goa (In Bhopal Circle, Basic PayIndore & Bhopal)

ii) * Places with population 3% of Rs.600/- p.m.

of 5 lakhs and over, State Basic PayCapitals and Chandigarh,Pondicherry and Port Blair

*(In Bhopal Circle: Gwalior, Jabalpur, Ujjain, Raipur & Durg-Bhilai-Nagar)

Note:- If at a centre both CCA & PAA are payable, only higher of the two is paid.

2.6 Project Area Allowance e-Cir/368/2015-16

On and from 1st November 2012, Project Area Compensatory Allowance shall be payable at the followingrates :

Project Areas falling in Group A – Rs.400/- p.m.

Project Areas falling in Group B – Rs.350/- p.m.

2.7 Mid-Academic Year Transfer Allowance (MAYTA) : e-Cir/368/2015-16

On and from 1st June 2015, Mid Academic Year Transfer Allowance shall be payable at Rs.1100/- p.m. subject

to other conditions.

2.8 i) Discomfort Allowance: CDO/P&HRD/PM/70/2007-08

For officers who are required to work in shifts involving hardships/perform onerous duties beyond normalworking hours (i.e., at Airport Sub-Offices, Computer Centres and Control Rooms in high rise buildings) :Rs. 1,000/- p.m.

ii) Out-of-pocket Expenses (Airport Office/Service Br./MICR Branch) :Officers, who are posted at Airport Offices, Service Branches, MICR Branches and SWIFT Centres and arerequired to work before 8.00 a.m. or after 8.00 p.m., are reimbursed out-of-pocket expenses @ Rs.200/- per

day for the days they work before 8.00 a.m. or after 8.00 p.m. Officers at Branches having extended businesshours, i.e., branches which remain open for business before 8.00 a.m. or after 8.00 p.m. in acordance withworking hours, are also reimbursed such out-of-pocket expenses for the days they work before 8.00 a.m.or after 8.00 p.m. 10/2001-2, 25/2007-08

iii) Out-of-pocket Expenses at Fully-Computerised Branches :During the process of computerisation of Branches, in case the Officers involved in the process are requiredto sit well beyond their normal working hours, say beyond 8.00 p.m., they are eligible for reimbursement of

the cost of dinner/transport not exceeding Rs.100/- per day, say, for 1 or 2 weeks before and after the Branchgoing live. This provision would be applicable to other officers on such other days also when they have tosit beyond the stipulated hours as aforesaid to sort out problems, but such instances should not normallyexceed 2 to 3 days in a month. 30/2002-03

iv) Reimbursement of Out-of-pocket Expenses to Liasion Officers :Out-of-pocket expenses payable to Liaison Officers have been revised at the following rates : e-Cir. 416/2010-11 :

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a) During Office Hours :From 01.08.2010, the Liaison Officers are be reimbursed @125/- per day if the period of detention is duringlunch time, i.e., between 12.00 noon to 2.00 p.m. and @ Rs.75/- per day if the duty is other than between 12.00

noon and 2.00 pm during the office hours.b) Before and after Office Hours :From 01.08.2010, the Liaison Officers are reimbursed as under : e-Cir./146/2010-11

Period of detention (to be reckoned Charges reimbursableas before and after office hours) towards tea/snacks/breakfast

(Rs. Per day)

Up to 3 hours Rs. 150/-

More than 3 hours but up to 6 hours Rs. 270/-

More than 6 hours Rs. 460/-

v) Discomfort Allowance for Liasion Officers & Security Officers :

From 01.08.2010, the discomfort allowance being paid to all Liaison Officers and Security Officers has been

increased to Rs.2,000/- per month : e-Cir.416/2010-11

vi) When an officer is called up to officiate in higher grade position on more or less regular basis without

spipulating any fixed period, he will be entitled to facilities connected with the residential accommodation,i.e., telephone, newspaper(s), cleansing meterial, etc. as applicable to the post for functional requirementof the post the conveyance may be paid applicable to the post. However, for journey out side headquarterson official duty or on LTC, the entitlement of the officer will be as per his/her substantive grade. Haltingallowance will he paid as per substantive grade of the officiating. 22 of 1988, 48 of 1993

Officers officiating in higher scales are entitled to claim reimbursement as applicable to the scale in whichthey are officiating. 22 of 1988

vii) Split Duty Allowance : e-Cir/368/2015-16

Rs.200/- p.m. w.e.f. 01-11-2012.

2.9 Foot Allowance/Road Mileage : 28/2002-03

For Journeys undertaken on foot by BM/FO/RDO for visiting place not connected by motorable road and wherepublic conveyance (buses, etc.) do not ply, foot allowance/road mileage payable @ Rs. 1.20 per k.m. provided

the journey under taken on foot in beyod 2 kms.

2.10 Professional Qualification Pay (PQP) (w.e.f. 1.11.2012) e-Cir/368/2015-16

A) Officers shall be eligible for professional qualification pay as under :

i) Those who have passed only CAIIB – Part I / JAIIB

Rs.670/- p.m. one year after reaching top of the scale.

ii) Those who have passed both parts of CAIIB –

a) Rs.670/- p.m. one year after reaching top of the scale.

b) Rs.1680/- p.m. two years after reaching top of the scale.

B) An Officer employee acquiring JAIIB/CAIIB (either or both parts qualifications after reaching themaximum of the scale of pay, shall be granted from the date of acquiring such qualificationthe first installment of PQP and the release of subsequent installments of PQP shall be withreference to the date of release of first installment of PQP.

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2.11 Hill and Fuel Allowance (w.e.f. 1.11.2007) : 138,139/2010-11

Place Rate

a) Places with an altitude of 1000 metres and 2% of Pay subject to amaximum of Rs.550/-p.m.

b) Places with an altitude of 1500 metres and 2.5% of Pay subject to amaximum of Rs.680 p.m.

c) Places with an altitude of 3000 metres and 5% of Pay subject to aabove maximum of

Rs.1570/- p.m.

2.12 Closing Allowance :Rs.250/- for each half-yearly closing only to such officers who work at branches where books are closed half-yearly on 31st March and 30th September. Rule No. 8 and 23 (vi) of SBIOSR

2.13 Officiating Allowance : 10/2002-03

i) If an officer is required to officiate in a post in a higher scale for a continuous period of not less than

7 days at a time or an aggregate of 7 days during a calendar month, he receives an Officiating Allowanceequal to 6% of his pay, for the period for which he officiates. Officiating Allowance ranks as pay for thepurpose of Provident Fund and not for other purposes.

ii) Officers in JMGS-I and MMGS-II drawing increments in the next higher scale are eligible for OfficiatingAllowance if asked to officiate in posts categorised as of MMGS-II or MMGS-III.

iii) For revised categorisation of post, the allowance will be paid from the date of circular of revisedinstructions.

iv) When an officer is called up on to officiate in higher grade position on more or less regular basis withoutstipulating any fixed period, he will be entitled to Personal Entertainment expenses, residentialtelephone, conveyance expenses, newspapers, cleansing materials, etc. (Pro-rata only) according tothe post but for furniture and leased house, outstation journeys and LTC, the substantive gradewill be considered. 22 of 1988 & 48 of 1983

2.14 Deputation Allowance : w.e.f. 1st May 2015 : e-Cir/368/2015-16

• An officer deputed to serve outside the Bank – 7.75% of Pay, maximum Rs.4,000/- p.m.

• An officer deputed to an organization at the same place or to the training establishment of theBank – 4% of Pay with a maximum of Rs.2,000/- p.m.

• Officers on deputation to the training establishments of the Bank as faculty members or to BankingServices Recruit ment Board – @ prescribed by the Bank.

2.15 Personal Allowance on Promotions :

The Corporate Centre vide their letter No. CDO:IR:SPL:610 dated 17th March 2012 have issued

clarification that the Personal Allowance of Rs. 560/- may be granted to those promoted before 01.11.2002also, on case-to-case basis under inter-se seniority : e-Cir/1120/2011-12

• Hence, an Officer in JMGS Scale I, promoted before 01.11.2002, having reached Rs. 19,920/- basic pay(old) as on 01.12.2005 (as shown in Annexure A & B) may make a claim on the Bank for payment ofPersonal allowance on the lines of Annexure – I, quoting the example illustrated in Annexure ‘A’

• Similarly, an officer in MMGS – II & III, on reaching Rs. 31,500/- (Pre-revised Rs. 22280/-) Basic Pay ason 01.04.2009 (as shown in Annexure C&D) may claim for personal allowance on the lines ofAnnexure – II, quoting the example illustrated in Annexure ‘C’

2.16 Special Allowance (w.e.f. 01.11.2012) : e-Cir/368/2015-16

With effect from 1.11.2012, officers shall be paid D.A. carrying Special Allowance as under:Scale I-III - 7.75% of Basic Pay + applicable Dearness Allowance thereonScale IV-V - 10% of Basic Pay + applicable Dearness Allowance thereon

Scale VI-VII - 11% of Basic Pay + applicable Dearness Allowance thereon.Note : The special allowance with applicable DA thereon shall not be reckoned for superannuationbenefits,viz. pension, including NPS, PF and Gratuity

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CHAPTER - 3 :

TRAVELING EXPENSES & HALTING ALLOWANCE

3.1 REIMBURSEMENT OF CONVEYANCE EXPENSES :ON DECLARATION BASIS :

Revised Limits e-Cir/340/2015-16

Rs. Per Month

Category of Officers Declation basis w.e.f. : 01-06-2015

(litres per month)

THOSE OWNING VEHICLES Area-I Area-II Other

# # Centres

SMGS-V (Including Chief Medical Officer)

Owning car / Four-wheeler 115 105 95Owning Two-wheeler 55 50 45

SMGS-IV (Including Full-time Medical Officer)Owning car / Four-wheeler 110 100 90Owning Two-wheeler 55 50 45

MMGS-III (Including Senior Medical Officer III)Owning car / Four-wheeler 100 90 80Owning Two-wheeler 55 50 45

MMGS-II (Including Senior Medical Officer II)

Owning car / Four-wheeler 85 80 75Owning Two-wheeler 55 50 45

JMGS-I Applicable to all, including

POs and TOs, irrespective of their

length of service and position(inclding permanent part-time Medical Officers)

Owning car / Four-wheeler 65 60 55

Owning Two-wheeler 55 50 45

CONVEYANCE EXPENSES ON CERTIFICATE BASIS :REIMBURSEMENT : W.E.F. 01.06.2015

Monetary ceilings on reimbursement of expenses to those officers who maintain vehicles and claim expenseson certificate basis : e-Cir/340/2015-16

(A) OWNERS OF CARS

Category of Officers Area I Area II Other centersRs. p.m. Rs. p.m. Rs. p.m

SMGS V (Including Chief Medical Officer)

Revised limit 2880 2580 2290

SMGS IV (Including Full-time Medical Officer)


MMGS III (Including Senior Medical Officer III)


MMGS II (Including Senior Medical Officer II)


JMGS I (inclding POs & POs, Permanent part-time Medical Officers)


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(B) OWNERS OF TWO-WHEELERS

Category of Officers Area I# Area II# Other centersRs. p.m. Rs. p.m. Rs. p.m

All categories of officers irrespective of grade


THOSE NOT OWNING VEHICLES & Monetary Ceilings w.e.f.01-06-2015

& USING PUBLIC TRANSPORT &CLAIMING REIMBURSEMENT ONCERTIFICATE BASIS : e-Cir/340/2015-16

• Officers in SMGS-V : Rs.2,000/-• Officers in SMGS-IV : Rs.1,950/-• Officers in MMGS-III : Rs.1,570/-• Officers in MMGS-II : Rs.1,520/-

• Officers in JMGS-I : Rs.1,140/-

# In Bhopal Circle : Area I Centres (Population of 12 Lac & above) - Indore & Bhopal in Bhopal Circle.

Area II Centres : Population of 1 Lac & above.

Notes :

1) Reimbursement in the above manner of actual expenses incurred on journey(s) performed for officialpurposes covers short journeys within a radius of 10 kms. However, for journeys beyond 10

kilometres, no deduction need be made for first 10 kms. 23/2001-2

2) All JMGS-I Officers on appointment are eligible for reimbursement of conveyance expenses, subjectto other terms and conditions of the Scheme. 63/2006-07, 05/2001-02,61/1999-2000 & 59/1998-99.

3) The Bank has dispensed with the production of money receipts (bills) for those who claimreimbursement of cost of petrol. Reimbursement is permissible up to high octane with the brand

Power/X-tra Premium. Reimbursement will be made on the basis of the rate prevailing on the lastday of the month. e-Cir P&HRD/SC No. 452/2008-09

4) The rate of petrol for the high octane petrol should be reimbursed only up to the maximum as charged

by Government/Public Sector Oil Companies. The reimubrsement of cost of exotic brands, with higher

prices, is not permissible to any staff members. The on-line approving officials should ensure

compliance of this instruction. e-Cir/261/2010-11

5) Those who claim on the basis of expenditure but not on the basis of petrol bills, are now required

to only give a certificate and obtain amounts mentioned as alternative to quantity of petrol.

e-261/2010-11

6) Officers officiating in higher scales are entitled to claim reimbursement as applicable to the scale

in which they are officiating (i.e., as per the incumbency of the post). 22/1988

7) Option : The eligible officers may opt for either facility of reimbursement of monetary amount or facility

of reimbursement of petrol charges. A fresh option can be exercised in the event of change in the

residence of an officer or change in the vehicle or on transfer. In no other case can option once

exercised at the commencement of the scheme be changed. In other words, officers who opt for

monetary reimbursement cannot claim reimbursement of petrol expenses and vice versa.

PER/23/1983 & 126/1987

8) When an officer remains on leave for a period of one week or so, it is expected that the actual expenses

on conveyance for official work will be less than the normal though not in exact proportion. In such

cases, the sanctioning authority will be free to pay the claim, whenever warranted, for a reduced

amount and if the officer feels aggrieved, he may prefer a detailed claim.

9) Accumulation of permissible quota of petrol up to the end of each calendar quarter is permitted.

However, where an officer proceeds on long leave viz. leave exceeding two weeks in a month, it will

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not be permissible to carry over the unavailed quota in respect of that month. (Handbook on Staff

Matters, 1987)

10) TDS on Salaries of Employees : Input of Data on CUBIC Capacity of Vehicles Owned by Employees

in HRMS : Details furnished in e-Cir/1342/2013-14.

11) Inscription of Vehicle with “Govt of India”/“Bharat Sarkar” : The private vehicles of the Bank staff,purchased out of bank finance, should not bear any misleading inscription which are not inaccordance with extant instructions of the Bank : e-Cir/272/2014-15.

3.2 Reimbursement of Travelling Expenses to Officers Using Own Vehicles for OfficialDuties : e-Cir/873/2011-12

Vehicle Engine Capacity Rate per K.M.

Four-Wheelers 1000 cc or more Rs.9.00

Four-Wheelers less than 1000 cc Rs. 7.00Motor Cycles & Scooters -------- Rs. 4.50

Mopeds -------- Rs. 3.00

The rates are also applicable in the case of "Transfer - Travelling Expenses" where consequent on transfer,the vehicle is driven by road, and in the case of travel by own car on ’LFC’, subject to the stipulated ceiling.

SBIOSR & 180/1991-92

3.3 Boarding Expenses: 126/2004-05

Boarding Expensesper day

27/2001-02, 23 & 21/1995-96

Grade / Major Places Other Scale 'A' Class in places

Cities Area-1Rs. Rs. Rs.

TEGSS-I & II - - -

TEGS VII & VI 250/- 200/- 175/-

SMGS V & IV 250/- 200/- 175/-

MMGS III & II 200/- 175/- 150/-

JMGS I 200/- 175/- 150/-

3.4 Lodging Expenses :

REIMBURSEMENT OF LODGING EXPENSESTO OFFICERS : REVISION

Ref. : e-Cir/975/2011-12.

The Executive Committee of the Central Board recently revised the ceiling for rates of reimbursement of hotelexpenses to officers, as details in the Charts.

i) The revised ceilings effective from 01.02.2012 onwards are detailed in the Charts.

ii) Officers in Top Executive Grade Scales VI and above, who are unable to stay in eligible hotels in metrocentres within the permissible room tariff, may be reimbursed actual lodging expenses for staying in other

hotels not exceeding 125% of the room tariff of their entitled class at these centres.

iii) The above rates are the maximum ceiling up to which the officer may be permitted to stay in a hotel,but the Circles have been advised to arrange for tie-up with the star category non-ITDC hotels and fetchmaximum discount possible. The officer will be reimbursed up to the maximum rates mentioned in the Chartsas per his entitlement, or the card rates of the hotel, whichever is lower.

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iv) For the purpose of reimbursement of room tariffs to officers while on outstation duty, all state capitals

(other than State Capitals falling in Metro category) may treated as Major ‘A’ class cities.

v) All officers are advised to stay in the Bank’s guesthouse to the extent possible.

vi) CGM (HR) is authorized to issue clarifications in this regard.

All other terms and conditions remain unchanged.

a) Metro centres :- (in Rs.)

Eligibility Metro - Maximum room tariff permissible

to stay in (Non-ITDC Hotels) - Revised rates

ITDChotels w.e.f. w.e.f. w.e.f. w.e.f. On or after

1.2.2012 1.2.2013 1.2.2014 1.2.2015 1.2.2016

TEGSS I & II 4* Hotel 12000 12600 13200 13900 14600

TEGS VI & VII 4* Hotel 9000 9500 10000 10500 11000

SMGS IV & V 3* Hotel 6000 6300 6600 6900 7200

MMGS II & III 2* Hotel 3200 3400 3600 3800 4000

(Non-AC)

JMGS I 1* Hotel 2200 2300 2400 2500 2600(Non-AC)

b) Major 'A' Centers :

Eligibility to Major ‘A’ - Maximum room tariff permissiblestay in ITDC (Non-ITDC Hotels) - Revised rateshotels w.e.f. w.e.f. w.e.f. w.e.f. On or after

1.2.2012 1.2.2013 1.2.2014 1.2.2015 1.2.2016

TEGSS I & II 4* Hotel 11000 11600 12200 12800 13400

TEGS VI & VII 4* Hotel 8000 8400 8800 9200 9700

SMGS IV & V 3* Hotel 5500 5800 6100 6400 6700

MMGS II & III 2* Hotel 2900 3000 3200 3400 3600(Non-AC)

JMGS I 1* Hotel 2000 2100 2200 2300 2400

(Non-AC)

c) Area I centers :

Eligibility to Area I - Maximum room tariff permissiblestay in ITDC (Non-ITDC Hotels) - Revised rates

hotels w.e.f. w.e.f. w.e.f. w.e.f. On or after1.2.2012 1.2.2013 1.2.2014 1.2.2015 1.2.2016

TEGSS I & II 4* Hotel 6000 6300 6600 6900 7200

TEGS VI & VII 4* Hotel 5000 5300 5600 5900 6200

SMGS IV & V 3* Hotel 3000 3200 3400 3600 3800


JMGS I 1* Hotel 1500 1600 1700 1800 1900(Non-AC)

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d) Other centres :

Eligibility to Other Centres - Maximum room tariff permissiblestay in ITDC (Non-ITDC Hotels) - Revised rateshotels w.e.f. w.e.f. w.e.f. w.e.f. On or after

1.2.2012 1.2.2013 1.2.2014 1.2.2015 1.2.2016

TEGSS I & II 4* Hotel 5000 5300 5600 5900 6200

TEGS VI & VII 4* Hotel 4000 4200 4400 4600 4800

SMGS IV & V 3* Hotel 2500 2600 2700 2800 2900

Eligibility to Other Centres - Maximum room tariff permissiblestay in ITDC (Non-ITDC Hotels) - Revised rateshotels w.e.f. w.e.f. w.e.f. w.e.f. On or after

1.2.2012 1.2.2013 1.2.2014 1.2.2015 1.2.2016


JMGS I 1* Hotel 1200 1300 1400 1500 1600

(Non-AC)

i) Service charges, if any, shown independently are reimbursable within the limit of Room Tariff andnot over and above the admissible limit for Room Tariff. 143/1991-92

ii) In case of genuine difficulties at centre where no lodging/hotel of even moderate type is available, theofficer should stay at the nearest centre after advising the position to his controlling office/branch andobtaining their permission for the arrangement. In such a situation, conveyance charges to areasonable extent, by public transport, may be reimbursed to the officer. As far as possible seasonticket instead of daily tickets should be purchased. 34/1999-2000

3.5 Halting Allowance: (w.e.f. 01-06-2015) e-Cir/368, 838/2015-16

As per Census 2011 : e-Cir/838/2015-16Grade/Scales of Officers Metro Major 'A' class cities Area-I Other places

Officers in Scale VI and above Rs. 1800/- Rs. 1300/- Rs. 1100/- Rs. 950/-

Officers in Scale IV and V Rs. 1500/- Rs. 1300/- Rs. 1100/- Rs. 950/-

Officers in Scale I/II/III Rs. 1300/- Rs. 1100/- Rs. 950/- Rs. 800/-

Four metros : Delhi, Mumbai, Kolkata and Chennai.

Halting is payable at the rate applicable to the place of visit or place of halting.

Major 'A' Class Cities : Mumbai, Delhi, Kolkata, Chennai, Ahmedabad,

Bangalore, Hyderabad.

Area-I : Indore, Bhopal in Bhopal Circle (as per census 2011).

ii) A supplement ary Diem Allowance of Rs. 20/- per day of halt out side head quarters on inspection duty

shall be paid to all inspecting officers.

iii) Competent Authority to sanction Halting Allowance beyond 1 month -General Manager of the respective

Network. 48/1997-98

iv) Where an officer claims Boarding Expenses on declaration basis without production of bills for actual

expenses incurred, then he is not eligible for 1/4th of the Halting Allowance. SBIOSR

v) For the purpose of computing halting allowance, per claim shall mean period of 24 hour or any

subsequant part thereof (e.g. 24 hr.+1 hr = 2 days halting)

3.6 Mode of Travel and Expenses on Travel, i.e., other than LTC) : SBIOSR

Effective from 02-06-2005, the following provisions shall apply wherever an officer is required to travel

on duty :

i) An officer in Junior Management Grade is entitled to travel by 1st Class or AC II Tier Sleeper by train.

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He may, however, travel by air (economy class) if so permitted by the Competent Authority, having regard

to the exigencies of business or public interest. For LTC, please refer to respective Chapter.

ii) An officer in Middle Management Grade is entitled to travel by 1st Class or AC II Tier Sleeper by train.

He may, however, travel by air (economy class) if the distance to be travelled is more than 1,000 kms.

He may, however, travel by air (economy class) even for a shorter distance if so permitted by the

Competent Authority having regard to the exigencies of business or public interest. For LTC, please

refer to respective Chapter.

iii) SMGS-IV, V, TEG : AC-I, or Air (economy class)

iv) An officer in Senior Management or Top Executive Grade May travel by car between Places not connected

by air or rail, provided that the distance does not exceed 500 kms. However, when a major part of the

distance between the two places can be covered by air or rail, only the rest of the distance should

normally be covered by car.

v) Any other officer may be authorised by the Competent Authority having regard to the exigencies of

business, to travel by his own vehicle or by taxi or by the Bank's vehicle.

The remaining provisions as an Sub-regulation 2 & 3 of Regulation 41 of Officers' Service Regulations

remain unchanged.

Note : Travel by private air taxi/carrier by the class equivalent to ’Y’ class of Indian Airlines (IA) is permissible.

If the fare is higher than that of IA, sanction of authority in hierarchy not below AGM should be obtained.

19/1993-94

Journey on Duty Entailing Detour : The Bank has recently stopped travelling on circuitous route on officialduty : e-Cir/1260/2013-14.

Where direct flights to the designated centre are not available and/or the available flight timings are at oddhours, circuitous travel may be permitted by the competent authority, depending upon the merits of the case,so as to avoid loss of executive time and resources of the Bank. In such cases of travel by circuitous route

on official duty, the deviation may be permitted by an official not below the rank of TEGS-VI.

These instructions are not applicable to the officials/staff posted in I&MA Department on mobile duty who

have been specifically exempted for the purpose.

Booking of Air tickets through Travel Agents identified by Bank :

Officers eligible/permitted for air travel for official purposes to ensure :

i) Air tickets bear the codes as under :

a) Indian Airlines/Alliance : B028

b) Sahara Airways Ltd : SB1002

c) Jet Airways : SBI

d) Kingfisher : SBI 001

ii) Air tickets are purchased from identified travel agents only.74&120/2002-03, 39/2003-04

The ceilings for the purpose of reimbursement of premia on air insurance cover bought by officers whiletravelling by air for official purposes are as follows:

TEGSS-I & II Rs. 15.00 lacs

TEGS-VI & VII Rs. 12.50 lacs

SMGS-IV & V Rs. 10.00 lacs

MMGS-II & III Rs. 7.50 lacs

JMGS-I Rs. 5.00 lacs 123/2002-03

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3.7 Out-of-Pocket Expenses for Journeys Completedon the Same Day : w.e.f.01.04.2011 e-Cir./234/2011-12

An officer may be permitted to claim reimbursement of out-of-pocket expenses up to a ceiling of halfthe halting allowance payable to him or Rs. 400/- per day, whichever is lower, provided he/she travelsfor the following distance and remains away for at least 4 hours, including journey period :

i) Where an officer proceeds from office : At least 15 Kms. away from office and 5 Kms. away fromresidence;

ii) Where an officer proceeds from residence : At least 15 Kms. away from residence and 5 Kms.away from office.

The officer should furnish a certificate that the amount has actually been spent.

3.8 Conveyance Allowance :To Deaf & Dumb Employees at par with Blind & Orthopaedically Handicapped Employees : e-Cir/488/2014-15.

In case of officers, the allowance is in addition to reimbursement of conveyance charges.

The Govt. of India has recently extended the payment of such conveyance allowance to deaf and dumbemployees of public sector banks with immediate effect, subject to the condition that the recommendationof the Head of ENT Department of a Government Civil Hospital is received by the Bank.

For the said purpose, respective controllers authorized to sanction annual increment are authorizedto sanction the said conveyance allowance.

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CHAPTER - 4 :

TRANSFER

4.1 Baggage Charges on Transfer : e-Cir.CDO/PEHRO/PM/51/2007-08

a) An Officer on transfer is reimbursed expenses for transporting his baggage

by goods train up to the following limits:

Pay Range Where the Officer has

family no family

Rs.14,500/- p.m. to Rs.19,400/- p.m. 3000 kgs. 1500 kgs.

Rs.19,401/- p.m. and above Full wagon 2500 kgs.

The maximum entitlement of an officer is 12 tonnes.

b) If an officer on transfer shifts his personal effects by approved transport (even if the two places are connectedby rail), the reimbursement of expenses is made at the rates dated in para (d) below.

c) Lump Sum Expenses on Transfer : (w.e.f. 01.07.2011) : e-Cir/607/2011-12

1. Junior and Middle Management Grades : Rs.20,000/-

2. Senior Management : Rs.25,000/-

3. Top Executive : Rs.35,000/-

The lumpsum payable as incidental expenses includes (i) Packing charges, (ii) Insurance and (iii) Transportation

charges from residence to railway station/lorry, but does not include (i) Loading/unloading at residence and railway

station or lorry, (ii) Conveyance for self and family from residence to railway station/bus stand/airport, and (iii) Cooliecharges for personal baggages. 36/1989 & 98/1988

d) REIMBURSEMENT OF TRANSPORTATION CHARGES ON TRANSFER : UPWARD REVISION (w.e.f. 01-07-2011) e-Cir/607/2011-12

i) For Hilly and Terrain area - @ Rs. 5.50 per km. per tonne.

ii) Other than hilly terrain - - @ Rs. 3.70 per Km. per tonne.

shorter distance i.e., upto 600 Kms.iii) Shorter distance below 300 Kms - @ Rs. 3.70 per km. per tonne, for minimum 300 Kms. on

production of money receipts

iv) On retirement - 20% higher charges, from place of work to place heproposes to settle down.

v) Distance beyond 600 Kms. - Rs. 1.85 per Km. per tonne (as incremental beyond 600 Km)

vi) Loading & Unloading Charges :

The officers are now reimbursed actual expenses incurred on loading and unloading of their belongings,subject to production of receipt, up to the monetary ceilings mentioned as under :

Amount in Rs.

Metro Uran Semi-Urban Rural

Top Executive 15,000 12,000 10,000 8,000

Senior Management 10,000 8,000 6,000 4,000

Middle and Junior Management 7,000 6,000 5,000 3,000

In case of movement from one category of Centre to another, the officer is reimbursed an amount as perthe destination to which he is moving.

vii) Lump Sum Expenses - Top Executive : Rs.35,000/-

- Senior Management : Rs. 25,000/-

- Middle & Junior Management : Rs. 20,000/-

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- In case of administrative transfer out

side the Circle, officer will be eligible for additional amount ofRs.10,000/- towards lump-sum expenses.

viii) One-time lump-sum expenses - Top Executive & Senior

towards admission fee of ward(s), Management : Rs.15,000/- per ward.

for maximum two wards - Middle/Jr.Management : Rs.10,000/- per ward.

viii) Transportation of Car by lorry - Actual lorry charges upto 40%, 35%, 30% distance up to 600 Km,

1000 Km. more than 1000 km. respectively, of entitlement for

shifting of households. The expenses towards transportation

to two/three-wheeler included in transportation of personaleffects.

4.2 Transfer : Issues & Clarifications :

In the event of permanent transfer of an officer, there is a change of residence from one centre to the otheron the part of the officer concerned even if the family is not shifted and retained at his/her place of choice.The Bank’s recent decisions in this regard are as under : e-Cir-874/2012-13 :

i) Following permanent transfer from one centre to the other, if concerned officer moves to transfereecentre, but his/her family does not.

a) Whether lump sum expenses can be paid ?

Clari. : Lump sum amount may be paid, provided concerned officer certifies regardingreasonableness and genuineness of the claim.

b) Concerned officer has been permitted for retaining his family at previous place of posting or aplace of his choice and shifted his/her family to a separate accommodation (e.g. from Bank’s flatto leased/rented accommodation) either within the same centre or outside the centre.

Clari. : Reasonable actual loading/unloading and transportation charges between the tworesidences are payable as per the Officer’s entitlement, subject to production of satisfactorydocumentary evidence as per the officer’s entitlement. This is in addition to payment of lump sumexpenses as above.

ii) In case of transfer within the same centre :

a) Whether lump sum expenses can be paid?

Clari. : Lump sum expenses will not be paid.

b) Concerned officer has been permitted for shifting his/her family to a separate accommodationeither within the same centre or outside the centre.

Clari. : Only reasonable actual loading/unloading and transportation charges between the tworesidences are payable, subject to production of satisfactory documentary evidences, as perofficer’s entitlement.

4.3 Joining Time on Transfer : SBIOSR

Not exceeding 7 days, exclusive of the number of days spent on travel (to be availed of within a maximum

period of 3 months). However, joining time cannot be treated as on duty for the purpose of conveyanceexpenses. (Halting will be paid for journey period + joining time + taking-over period).

The Bank has recently waived the time-limit of 3 months for availing joining time. However, the joining timeis to be availed any time before the next transfer and cannot be carried forward. The official is required to seek

permission from the concerned controller in writing before availing the joining time at the material time. Inthe event the officer does not avail the joining time before the subsequent transfer, the joining time will lapse.In other words, it cannot be clubbed together and carried forward : e-Cir/363/2013-14.

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CHAPTER - 5 :LEAVE

5.1 Casual Leave (CL) : 12 days in a calendar year (not more than 4 days’ CL to be availed at any one time).

May be suffixed, prefixed to or combined with Sundays/holidays. Inspecting Officials (including circle

auditors) on mobile duty may avail CL without the ceiling of 4 days. 17/1994-95 & SBIOSR

12 days in the year of retirement too (irrespective of the month of retirement). 35/2001-2

Incumbents ineligible for CL : Branch Managers (BMs) excluding DGMs of Main Branches and BMs of

divisionalised Branches having the post of Mgr. (Accts. & Admn.); Officials including Managers of Division

(MoDs) entrusted with joint custody of currency chest, control documents, valuables, securities, etc. excluding

MoDs at Main Branches and MoDs not holding custody of security documents, valuables or locker keys, etc.;

Head Cashiers (Cash Officers); and Supervising Officials in-charge of Sub-Offices. 197/1991-92

Unavailed CL : CL not availed of in any year may be suffixed/prefixed to SL in the following 3 years. While

sick leave can be availed of by utilizing the unavailed casual leave, the discretion to waive the medical

certificate in such cases lies with the sanctioning authority. 76 & 53/1997-98

Unavailed casual leave carried over in case of officers promoted from clerical cadre would continue to be

available to them distinct from their respective sick leave/privilege leave. This will be in addition to the sick

leave. Handbook

5.2 Privilege Leave (PL) : One day for every 11 days of service on duty : maximum admissible at any

one time - 4 months : may be accumulated upto not more than 270 days (for those who are ineligible for CL

also) except where leave has been applied for and it has been refused. Authority empowered to sanction

P.L. is the competent authority to refuse/decline the leave application of an officer for the purpose of P.L.

beyond 240 days. PL allowed to be carried over should be availed of within 3 months of the following year.

In extreme emergent situations, such carry-over may be extended up to 6 months.

e-Cir/368/2015-16, 27/2006-07, 108/2002-03, 35/1998-99, 7/1994-95, 12/1993-94 & SBIOSR

However, encashment of Privilege Leave shall be restricted up to a maximum of 240 days.

An officer desiring to avail of privilege leave shall ordinarily give not less than 15 days notice of hisintention to avail of such leave. e-Cir/368/2015-16.

5.3 Sick Leave (SL) : 30 days (on half pay) for each completed year of service, subject to a maximum of

18 months during the entire service. Where an officer has completed 24 years’ service, he is eligible for

additional SL @ 1 month for each year of service in excess of 24 years of service, subject to maximum of

3 months of additional SL (on half pay). Commutation of SL, including addtional SL, on full pay and

allowances, i.e., by double debit is allowed. 75/1999-2000 & SBIOSR

Special Sick Leave : e-Cir/368/2015-16

With effect from the 01.06.2015, Special Sick Leave up to 30 days may be granted to an officer employee once

during his/her entire period of service for donationof kidney/organ.

5.4 Study Leave : Study Leave for a period between 12 and 36 months, provided the officer has completed

5 years’ service in the Bank, should have more than 5 years residual service left and completed all mandatory

assignments. 27/2002-03

5.5 Maternity Leave (w.e.f. 25.5.2015) : e-Cir/368/2015-16

a) Maternity leave, which shall be on substantive pay, shall be granted to a female employee for a

period not exceeding 6 months on any one occasion and 12 months during the entire period ofher service.

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b) Within the overall period of 12 months, leave may also be granted in case of miscarriage/abortion/

MTP.

c) Within the overall period of 12 months, leave may also be granted in case of hysterectomy up toa maximum of 60 days.

d) Leave may also be granted once during service to a childless female officer for legally adoptinga child who is below one year of age for a maximum period of six months, subject to the following

terms and conditions :

i) Leave will be granted for adoption of only one child.

ii) The adoption of a child should be through a proper legal process and the employee shouldproduce the adoption-deed to the Bank for sanctioning such leave.

iii) The leave shall also be available to biological mother in cases where the child is bornthrough surrogacy.

iv) The leave shall be availed within overall entitlement of 12 months during the entire periodof service.

e) Lady Officers : Sanction of Extra-Ordinary Leave in continuation of Maternity Leave.

e-Cir/1023/2010-11

Paternity Leave : e-Cir/368/2015-16

With effect from 1.6.2015, male officer employees with less than two surviving children shall be eligiblefor 15 days paternity leave during his wife's confinement. This leave may be combined with any other

kind of leave except casual leave. The leave shall be applied up to 15 days before or up to 6 monthsfrom the date of delivery of the child.

The leave may be granted to an employee even where the date of delivery of the child was prior to01.06.2015, provided, however, that the leave is availed within 6 months from the date of delivery.Further, the leave should be sanctioned 15 days before the delivery or up to 6 months after the delivery :

e-Cir/620/2015-16.

5.6 Special Leave to Sportspersons :The employees who officiate as Coaches/Referees/Umpires/Selectors only in the Junior National/National/International level tournaments/matches are entitled to special leave as available tosportspersons. As such, the sportsmen employees nominated to the technical committee at National/International level are not eligible for sanction of special leve for the said purpose : e-Cir/850/2013-14.

The Bank has recently extended the facility of special leave to the non-active sportspersons officiatingas Manager of Team and Judge at sporting events/tournaments held at the State/National/Internationallevel only, as is presently available to other non-active sportspersons officiating as Coaches/Umpires/Referees/Selectors. This revised guidelines are effective from the prospective date : e-Cir/

1284/2014-15.

5.7 Extra-Ordinary Leave :a) Extra-Ordinary Leave on loss of pay for not more than 360 days (cumulative) during the entire

service and in very special circumstances up to 720 days. SBIOSR

b) Lady Officers : Sanction of Extra-Ordinary Leave in continuation Maternity Leave.

e-Cir/1023/2010-11.

5.8 Sanction of Special Leave :

For Participation in Prize Giving /Award Functions : Special leave may be granted to our staff membersparticipating in cultural activities at the National/Regional level. The outstanding performers in the field of

classical music, classical dance, stage acting, painting and literature may be granted special leave. The

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Chief General Manager (HR) at the Corporate Centre is the competent authority to sanction such leave : e-

Cir/1207/2014-15.

The Bank has recently decided that such leave may be granted to employees for their participation in prizegiving/award ceremony when they are invited by the institutes recognized by the Bank for their excelling inthe courses recognized by the Bank for e-learning. In such cases, the special leave may be granted to the

Bank employees on the same terms and conditions as applicable in case of participation in cultural activitiesdetailed in e-Cir/1207/2014-15. The Chief General Manager (HR) at the Corporate Centre is the authority tosanction such special leave.

5.9. Encashment of PL : SBIOSR & 38/1998-99

One month’s PL can be encashed once in every 4 years at the time of availing LTC. An officer may while

travelling in one sub-block of two years to his home town and in other sub-block to any place in India, may

be permitted encashment of PL with a maximum of 15 days in each sub-block (2 years) or 30 days in one

block (4 years).

Where both husband and wife are employed in our Bank, the spouse may encash leave when one of them

avails LTC, provided he/she also undertakes the LTC journey. 12/1994-95

One day’s PL may be encashed once every calendar year for donation to the Prime Minister’s National Relief

Fund, subject to the officer giving a letter to the Bank to that effect and authorising the Bank to remit the amount

to the Fund. SBIOSR

In case of retirement/death, the officer/legal representative(s) shall be paid an amount equivalent to the

emoluments of any period, not exceeding 240 days, of PL that the officer had accumulated at the time of his

retirement/death. e-Cir/368/2015-16, 20/2001-02

Where an officer resigns (on or after 01-04-2001) after giving due notice, he can encash half of PL to his credit

on the date of cessation of service, subject to a maximum of 120 days (CDO/PM/Cir/18 dated 09.06.2001).

119/2005-06, 20/2001-2

As per the clarification provided by the Corporate Centre, these instrucitons are not applicable in case of

voluntary retirement (i.e., not applicable in case of retirement after 20 years of pensionable service).

Ceiling on Income-Tax exemption vis-a-vis PL encashment on retirement - Rs.3,00,000/-.

13/1999-2000

Emoluments : earlier, Encashment of PL while availing LTC: All the emoluments, i.e., BP, DA, HRA and all

other regular allowances except special balancing allowance : payable for the month during which the

availment of LTC commences were admissible.

Special Balancing Allowance (SBA) now ranks for payment of leave encashment. Further, as this allowance

was a part of salary revision, the facility is effective from 01.11.2007 : e-Cir/1232/2012-13.

Encashment of PL at the time of retirement : All the emoluments drawn by the officer on the last day of

retirement are taken into account. 38/1998-99

In the case of officers, who have been provided with residential accommodation by the Bank, notional HRA

admissible at their place of work, and in the case of officers, who are staying in their own houses and drawing

HRA on capital cost basis, the actual HRA should be taken into account for the purpose of emoluments.

02/1999-2000

5.10 Compensatory Off (CO) :

An Officer called upon to work on a Sunday/holiday, shall be granted CO during the month following the

Sunday/holiday on which he/she was required to work. CO is to be availed of, as far as possible, by the Officers

who are eligible for CL.

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As it is not possible to grant CO to Officers, who are ineligible for CL, for performance of any routine duty on

a Sunday/holiday in connection with the inspection of Sub-Offices and/or godowns at the outstations,

attending despatch of remittance, etc., leave in lieu of CO shall be added to his/her PL, subject to the maximum

permissible limit. Each case of work on a Sunday/holiday should be referred to the Controlling Authority

for sanction to add to PL.

In unavoidable circumstances, credit of CO to PL a/c within the maximum permissible limit may be permitted

to an Official who is eligible for CL but is not allowed to avail of CO due to exigencies of work/service with

the approval of an Officer in hierarchy immediately above the leave sanctioning authority but not below the

rank of DGM (for DGMs and above, approval of the next higher authority).

CO shall be given to Officers who are attending seminars, discussions, etc. on a Sunday/holiday and to

Faculty Members/Instructors who are required to conduct short duration courses/programmes at the

College/SBLCs during intervening Sunday/holidays. Officers who are required to work on intervening

Sundays/holidays while on deputation, shall be granted CO or credit to PL a/c in addition to Halting Allowance

for which they are eligible.

Officers working in C&I Project Dept. at Corporate Centre/C&C Dept. at LHO and Project Officers at ZOs/

Regions are permitted, as a special case, to avail CO during the following 3 months. In case such an Official

cannot avail of CO even during the stipulated period of 3 months, it may be credited to his PL a/c with the

approval of the appropriate authority within the maximum permissible limit, i.e., 240 days, provided he is

satisfied that the Official could not avail of the CO due to exigencies of service during the stipulated period.

33/2000-2001 & 39/1999-2000

5.11 Introduction of Vacation Policy : Compulsory Leave :

The RBI has recently mandated that employees posted in sensitive positions or areas of operations shouldbe covered under a ‘Mandatory Leave’ policy wherein such employees are required to compulsorily avail leavefor a few days in a single spell every year, during their posting in such areas. e-Cir/437/2015-16.

In this context, the Bank recently introduced the Vacation Policy by making a stipulation of mandatoryconsumption of leave for ten working days in one spell by the officers and Award staff members of the Bankin every financial year (for increasing the efficiency/productivity on one hand and for mitigating risk of fraud

on the other hand). Detailed terms and conditions of the approved Vacation Policy are furnished in e-Cir/437/2015-16.

All the officials holding the positions/posts termed as “Sensitive” from vigilance point of view and enclosedto e-Cir/437/2015-16 are invariably covered under the “Vacation Policy” even if some of them are posted inadministrative offices and/or are not accessing/handling CBS, vendors payments, etc.

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GRANT OF SABBATICAL LEAVE TO SINGLE MEN OFFICERS/EMPLOYEES(WITH CHILDREN AND / OR AGED PARENTS) OF THE BANK

The Executive Committee of the Central Board in its meeting dated the 20th February, 2O14 after-duedeliberation has approved extension of the provisions for sanction of sabbatical leave to the single menofficers (with children and / or aged parents) employees in our Bank on the following terms : e-Cir/1312/2013-14 :

• "Single men" will mean male employees in the Bank who are un-married, widower or divorced.

• A Single man employee of the Bank shall be eligible for sabbatical leave up to 2 years during theirentire career.

• The Single man employee applying for leave should have put in a minimum of 5 years of service.The authority structure for sanction of such leave will be as detailed in Annexure - I. Sabbatical leavebefore completion of 5 years of’ service may be sanctioned only in exceptional circumstances by thecompetent authority as indicated in Annexure - I .

• Provision for sanction of Sabbartical Leave will be available to the Single man employee of the Bankfor taking care of children and-or aged parents.

• The sabbatical leave shall be taken for at least 3 months at a time and the leave shall not be takenmore than once in a year.

• The sabbatical leave shall be without pay, salary, allowances, perquisites and any other consequential

monetary and non-monetary benefits. No increment shall be earned during the sabbatical leave andthe Single man employee will rejoin at the same stage of pay as was existing at the time of his availingthe sabbatical leave. The period of’ leave will not he counted for the service eligibility.

According by, it will he on loss of seniority and will not be counted for pension, promotion and otherbenefits. His place of posting, however, may change at the time of re-joining.

• The employee on sabbatical leave may be considered for promotion, provided he fulfills the eligibility

criteria for the next promotion.

• The sabbatical leave period shall not be counted as pensionable service and for payment of’ gratuity/ pension. For Single men employees, who are covered under State Bank of India Employees DefinedContribution Pension Scheme (SBIEDCPS), it will be the responsibility of the employees to contributethe minimum employee contribution for continuation of the PRAN. No contribution will be made bythe Bank during the period of sabbatical leave.

• The employee shall not take up any employment / vocation / business / profession elsewhere duringthe period of sabbatical leave.

• The Bank shall have the right to cancel the sabbatical leave granted to such Single man employeewithout assigning any reason and the said employee will have to rejoin the Bank immediately oncethe leave is cancelled.

• The sanctioning authority while considering the sabbatical leave of the Single man employeeconcerned may take into account the administrative and other exigencies before sanctioning thesame.

• The employee concerned will continue to pay instalments falling due during the period of sabbaticalleave for any loan / advances granted to him by the Bank, from own sources.

• The employee concerned will have to arrange for payment of income-tax, etc. falling due during the

period of sabbatical leave.

• Clarifications : detailed in e-Cir/1087/2015-16.

• Facilities : The facilities of Bank’s quarters/leased accommodation and medical reimbursement maybe extended to the employees during sabbartical leave on the terms and conditions detailed in e-Cir/1436/2014-15.

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SABBATICAL LEAVE TO DIFFERENTLY ABLED EMPLOYEES & EMPLOYEES

WHO HAVE DIFFERENTLY ABLED DEPENDENTS :

The Bank recently approved extension of the provisions for sanction of sabbatical leave to the differently abledemployees and those having differently abled dependents viz. children and/or spouse in our Bank on theterms detailed in e-Cir/426/2015-16.

Considering the fact that the autism spectrum disorder child/person requires constant care-giver support,the GOI has advised that ‘Autism’ may be included in the term ‘Disabled’ as defined in e-Cir/426/2015-16.

Transfer/Posting : Detailed in a separate Chapter.

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SABBATICAL, LEAVETO WOMEN OFFICERS & EMPLOYEES OF THE BANK

The Executive Committee of the Central Board has approved introduction of the provisions for sanction of

sabbatical leave to the women employees in our Bank on the following terms : e-Cir/1027/2013-14 :

i) Women employees shall be eligible for sabbatical leave up to 2 years during their entire career forreasons such as medical ground, care of family members or children, higher studies, visit to spouse.

(ii) The employee applying for leave should have put in a minimum of 5 years of service. The authoritystructure for sanction of such leave will be as detailed in Annexure - I. Sabbatical leave beforecompletion of 5 years of’ service may be sanctioned only in exceptional circumstances by the

competent authority as indicated in Annexure - I .

(iii) The sabbatical leave shall be taken for at least 3 months at a time and the leave shall not be takenmore than once in a year.

(iv) The sabbatical leave shall be without pay, salary, allowances, perquisites and any other consequentialmonetary and non-monetary benefits. No increment shall be earned during the sabbatical leave andthe employee will rejoin at the same stage of pay as was existing at the time of her availing the

sabbatical leave. The period of’ leave will not he counted for the service eligibility.

According by, it will he on loss of seniority and will not be counted for pension, promotion and otherbenefits. Her place of posting may change at the time of re-joining.

v) The women employees on sabbatical leave may be considered for promotion, provided they fulfillthe eligibility criteria for the next promotion.

(vi) The sabbatical leave period shall not be counted as pensionable service and for payment of’ gratuity/ pension. For employees, who are covered under State Bank of India Employees Defined ContributionPension Scheme (SBIEDCPS), it will be the responsibility of the employee to contribute the minimumemployee contribution for continuation of the PRAN. No contribution will be made by the Bank duringthe period of sabbatical leave.

(vii) The woman employee shall not take up any employment / vocation / business / profession elsewhereduring the period of sabbatical leave.

(viii) The Bank shall have the right to cancel the sabbatical leave granted to a woman employee without

assigning any reason and the said employee will have to rejoin the Bank immediately once the leaveis cancelled.

(ix) The sanctioning authority while considering the sabbatical leave of the employee concerned may takeinto account the administrative and other exigencies before sanctioning the same.

x) The employee concerned will continue to pay instalments falling due during the period of sabbaticalleave for any loan / advances granted to her by the Bank, from own sources.

xi) The employee concerned will have to arrange for payment of income-tax, etc. falling due during the

period of sabbatical leave.

xii) Facilities : The facilities of Bank’s quarters/leased accommodation and medical reimbursement maybe extended to the employees during sabbartical leave on the terms and conditions detailed in e-Cir/1436/2014-15.

xiii) Clarifications : detailed in e-Cir/1087/2015-16.

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CHAPTER - 6 :

LEAVE TRAVEL CONCESSION

6.1 Leave Travel Concession (LTC) : e-Cir/368/2015-16, 39/2005-06, 84/2005-06 & 92/2005-06

W.e.f. 01.06.2015 :

1. During each block of 4 years, an officer shall be eligible for leave travel concession for travel to his placeof domicile once in each block of two years. Alternatively, he may travel in one block of two years to hisplace of domicile and in another block of two years to any place in India by the shortest route. Theconnecting terminus (railway station/air port) should be the nearest centre to the place of posting. Priorapproval of concerned authority is required for travelling in own vehicle.

LTC : Female Officers :

“Family” for the purpose of this rule will be limited to the spouse as also children, parents, brothersand sisters residing with and wholly dependent on the officer. In the case of female officer “family”shall include her husband only if he is not an employee of the Bank. If an officer and his wife are

employed in the Bank, although each will be entitled to leave travel concession in his/her own right,the family, including the husband and wife taken together, will not be eligible for the concession morethan once in the relative period : SBIOSR.

On and from the 2nd June 2005, for the purpose of Leave Travel Concession, “Family” of an officershall mean an officer’s spouse, wholly dependent unmarried chldren (including dependent step-children and legally adopted children) and wholly dependent parents ordinarily residing with andwholly dependent on the officer : SBIOSR.

The term wholly dependent child/parent shall mean such member of the family having the prescribedmonthly income : SBIOSR.

It the income of one of the parents exceeds the prescribed income p.m. or the aggregate income ofboth the parents exceeds the prescribed income p.m. both the parents shall not be considered aswholly dependent on the employee : SBIOSR.

2. LTC Encashment:

Alternatively, an Officer, exercising the option anytime during a 4-year block or two-year block, as thecase may be, surrender and encash his LTC (other than travel to place of domicile) upon which he shallbe entitled to receive an amount equivalent to 100% of the eligible fare for the class of travel by trainto which he is entitled (by mail/express train and not of Rajdhani express) up to a distance of 4,500kms (one way) for officers in JMG Scale-I and MMG Scale II & III, and 5,500 kms (one way) for officersin SMG Scale-IV and above.

An officer opting to encash his LTC shall prefer the claim for himself/herself and his/her family membersonly once during the block/term in which such encashment is availed of. Encashment is based ondistance, hence designated place is not to be mentioned in the application. While encashing LTC, one

day leave of any kind read not be availed now. W.e.f. 01.06.2015, employees may be allowed the facilityof encashing of Leave Fare Concession without the requirement of availing leave for this purpose :

e-Cir/620/2015-16.

Encashment in part (distance-wise/familymember wise) is not allowed. In respect of Senior citizenmember of the family, normal railway fare will be payable (23 / 2008-09). The facility of encashment

of Privilege leave, while availing of Leave Fare Concession is also available while encashing the facilityof LTC.

Railways are charging two type of fares - one for peak season (other than February, March and August)which is higher than the lean season fare. The Bank has recently decided to pay the applicable railway

fare during the month of encashment : e-Cir/942/2012-13.

3. The mode and class by which an officer may avail of Leave Travel Concession shall be the same as

the officer is normally (exception detailed below) entitled to travel on transfer and other terms andconditions subject to which the Leave Travel Concession may be availed of by an officer, shall be asdecided by the Board from time-to-time.

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The appropriate authority while sanctioning leave for LTC, may also permit the officials to hire car/

taxi (Non-AC) or use one's own car when on LTC. 137/2002-03, 75/1997-98,etc.

4. Leave Travel Concession (w.e.f. 1.5.2010):

The extant provisions for SBI Officers shall apply whenever they are required to travel on LTC. Themode and class by which an officer may avail of Leave Travel. Concession shall be the same as the

officer is normally entitled to travel on transfer and other terms and conditions subject to which theLeave Travel Concession may be availed of by an officer, shall be as decided by the Board from time-to-time. Provided that w.e.f.1st May 2010, an officer in Junior Management Grade Scale I whileavailing LTC will be entitled to travel by air (economy class) in which case the reimbursement willbe the actual fare or the fare applicable to AC 1st Class fare by train for the distance travelled,whichever is less. The same rules shall apply when an officer in Middle Management Grade ScaleII and Middle Management Grade Scale-III while availing LTC where the distance is less than, 1000

kms.

5. i) An officer will be entitled for reimbursement of rail/road fare for the distance covered by rail/road

and airfare for the distance covered by air, for this purpose the nearest airport on the shortest airroute generally accepted as the connecting link enroute will be considered. 88/2004-05

ii) When an officer availing LFC/HTC on Circuitous Route has booked apex Fare/discounted faretickets much in advance to travel to various places of their choice, if their tickets are concelled/deferred, the cancellation charges may be reimbursed to the officer within his/her overallentitlement for LTC/HTC.

6. Journey by circuitous route is permisible both ways provided that the expenditure incurred by the officialis within his entitlement as per rules.

7. So long as the designated place is anywhere in India and the officer actually visits the place sodesignated, reimbursement may also be made to him for his entire journey by the circuitous route

and the officer may also travel to a foreign land enroute to his designated place. The cordinal principalis that the officer must visit the designated place, which has to be in India. 67/2006-07

8. While visiting foreign land the cost of travelling in a foreign country is also reimbursible. However thecost of local sightseeing in the foreign country is not reimbursible as has been in the case in thedomestic travel. 08/007-08

9. Where on officer is not able to avail LTC/HTC in the last block of service before superannuation (whichat present is 60 years of age) for any reason, LTC/HTC may be permitted to be carried forward for 4months (earlier, 2 months) beyond retirement, with the permission of the appropriate authority; theretiree may be allowed to avail of the facility within that period as per the existing rules relating to the

serving officers of the Bank. e-Cir. 626/2010-11

The facility of Home Travel Concession (HTC) can be availed of only in such cases when the officerintends to settle down after retirement at a place different from his place of domicile, as declared

by him. A declaration has to be given by the concerned officer in this regard that the place where heintends to settle down after retirement and his place of domicile are different. Further, it is to bementioned here that where both LTC and HTC are due, only one of the facilities will be carried forward.

e-Cir/626/2010-11

RECENT CLARIFICATIONS: e-Cir/90/2011-12

In terms of laid down guidelines, during each block of 4 years, an officer shall be eligible for LeaveTravel Concession (LTC) for travel to his/her hometown once in each block of 2 years. Alternatively,

he/she may travel in one block of two years to his home town and in the other block, to any place inIndia by the shortest route. It has also been laid down that an officer may avail of LTC/HTC by circuitousroute. However, he/she shall be reimbursed the expenses from the Headquarters to the designatedplace/home town by the shortest route as per his/her entitlement. These guidelines were relaxedfurther by stating that an officer may visit a foreign land on the circuitous route (reference : CorporateCentre letter No. CDO/PM/16/SPL/12 dated 4.4.2007) while his/her designated place has to be inIndia. However, visiting the designated place in India is a necessity.

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A. Booking Through Travel Agents :

In case the tickets are booked through travel agents, clear evidence of payment made to the travel agent

by means of a draft/cheque/credit card/Internet banking should be produced. Accordingly, with a viewto establishing distinct recognizable payment trail so as to avoid any future litigation and to protectinterest of the staff members, following procedure should be followed while purchasing tickets under

LFC/HTC through travel agents : e-Cir. 875/2012-13, e-Cir/862/2013-14 :

i) For purchasing the tickets under LFC/HTC through travel agents, payment should invariably bemade through account payee cheque/draft/RTGS/NEFT/Internet Banking/Credit Card.

Payments made to the travel agents in cash are not eligible for reimbursement even if supportedby money receipt, issued by travel agents.

ii) Evidences/confirmation of receipt of such payment by the travel agent should appear on the

Money Receipts, issued by the concerned travel agents.

iii) Only travel expenses are reimbursable and other facilities, if any, provided by travel agents arenot reimbursable.

iv) Any deviation from the above provisions as well as submission of false claims or submissionof forged tickets/bills is viewed seriously and is dealt with strictly in terms of existing provisionsof SBI Officers' Service Rules.

A. Submission of Bills :

i. The cost of inland travel in a foreign country may also be reimbursed subject to the overall ceilingof the entitlement of the officer*. The cost of local sight-seeing in the foreign country will, however,not be reimbursed as has been the case in the domestic travel. To illustrate the point, if an officer

takes the route of London-Cambridge-London for his foreign part of the travel, the cost of inlandtravel from London to Cambridge and back may be reimbursed, subject to his overall entitlement.However, the cost of sightseeing in London or Cambridge will not be reimbursed.

* Recent Modifications in this regard : detailed separately.

ii. The processing of the bill will be done on the basis of certification of the officer concerned and

he/she shall be solely accountable for the same.

iii. Indian travel agencies/ agents who organize the travel are also issuing certificates stating thatforeign inland travel has been undertaken and the amount is also stated by them. In such cases,

the statements made by the travel agencies should be confirmed by the officer concerned.Further, the amount so claimed by the officer will be reimbursed to him/her (subject to bills foundin order and are as per his/her entitlement), only if he/she submits valid bills supported byboarding passes (in case of air journey) and tickets, if the journey is undertaken by rail/road/water.The submission of boarding pass / tickets, as applicable, is necessary even in case of conductedtours through travel agents. Any case of false claims shall be dealt with strictly in terms of existinginstructions and SBI Officers’ Service Rules.

iv. Where payments have been made in a foreign currency for the exchange rate, the date ofpayment made to travel agency or the service provider should be taken as the date of payment

made to travel agency or the service provider should be taken as the date for calculation of theexchange rate.

v. The officer concerned will have to certify that the foreign inland travel bill does not include local

sight-seeing.

B. Entitlement in respect of ‘Sectors’ where national carrier, i.e., Air India does not operate :

i) An officer may reach the designated place by a longer/circuitous route or may travel throughoutor partly in a higher or lower class, or in a taxi (subject to appropriate approvals for travelling bytaxi, etc.). He will, however, be reimbursed with the actual fares/hire charges incurred by him/her

or the cost of the fare to the designated place by the shortest route by the entitled class, whicheveris lower.

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ii) In respect of officers who are eligible for travel by air, their notional monetary entitlement may

be determined by their entitled class by national carrier (i.e., Air India) by the shortest route.However, in sectors where the national carrier does not operate, the notional monetary entitlementin respect of eligible officers may be determined by any other airline operative in that sector bytheir entitled class by the shortest route. In those cases where more than one airline other thannational carrier is in operation, for the purpose of notional monetary entitlement in respect ofeligible officers, higher fare by shortest and most direct route by entitled class may be taken.However, in respect of JMGS-I, MMGS-II and MMGS-III officers regarding mode and class of travel,

instructions contained in Circular No. CDO/P&HRD-IR/11/2010-11 dated 8.6.2010 should bemeticulously followed. Other instructions remain the same.

iii) Further Clarifications :

The Bank has further clarified that in those cases where the officer has been sanctioned advance

against LTC/HTC or the officer has booked/obtained tickets before the date of issue of aboveCircular, i.e., CDO/P&HRD-PM/15/2011-12 dated 4.5.2011, old instructions will be applicable tothem. However, in all cases where advance against LTC/HTC has been sanctioned or ticketshave been booked/obtained, on or after the date of issue of above Circular, revised instructionsare applicable. e-Cir/169/2011-12

C. Carry-forward of LTC/HTC :

In this context, instructions contained in Rule 44 (5) of SBI Officers Service Rules have been modifiedrecently as detailed in e-Cir/1116/2014-15 :

Extension of Block Period : In the event an officer is unable to avail LTC/HTC within the biennial block,the same may be carried over to next biennial block, subject to maximum two concessions remainoutstanding in any biennial block, and that no separate approval is required in such circumstances :e-Cir/1116/2014-15.

Income-Tax (IT) on LTC : 82&73/1997-98

i) Officers, who are eligible to avail of LTC by air, are not required to pay IT on the amount of LTCreimbursed to them in case the journey is performed by air by the shortest route to the place of

destination, provided the amount does not exceed the air economy fare of the national carrier.

ii) Where place of origin of journey and destination are connected by rail and an officer, who is eligiblefor LTC by air, performs the journey by any mode of transport other than by air, an amount not exceedingthe A/C I Class rail fare, by the shortest route to the place of origin is exempt from tax.

iii) Where the place of origin of journey and destination or part thereof are not connected by rail and thejourney is performed between such places, the amount eligible for exemption is:

a) Where a recognised public transport system exists, an amount not exceeding I Class or DeluxeClass fare, as the case may be, on such transport by the shortest route to the place of destination;and

b) Where no recognised public transport system exists, an amount equivalent to A/C I Class rail fare,for the distance of the journey by the shortest route, as if the journey had been performed by rail.

I.T. exemption as above is not available to more than two children of an individual after the 1stOctober 1998, provided that this sub-rule does not apply in respect of children born before 1stOctober 1998 and also in case of multiple births after one child.

iv) Employees who undertake journeys from Chennai or Kolkata to Port Blair and back, by using theservices of Indian Airlines by economy class, are eligible for IT exemption for the actual expenditureincurred on air fare.

v) Those employees who start their journey from places other than Kolkata or Chennai to Port Blair areeligible for tax exemption for the journeys up to Kolkata or Chennai by the shortest route for an amountnot exceeding A/C II Class fare and they are fully exempt from payment of tax for the air journeys fromKolkata or Chennai, as the case may be, to Port Blair and back, provided the air journey is performedin economy class of Indian Airlines.

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STAFF SUP. : LTC, HTC :

FOREIGN DESTINATIONS ENROUTE

LTC, HTC : Foreign Destinations Enroute : In April 2014, the Bank decided that the officers/employees shallnot be entitled to visit overseas countries/centres as part of LTC/HTC. The revised instructions came intoforce with immediate effect : e-Cir/51/2014-15.

Further clarifications : Detailed in e-Cir/65/2014-15.

Interim Stay : In view of the Interim Stay passed by the Hon’ble High Court, Madras, the competent quthorityhas modified the instructions as follows : e-Cir/136/2014-15 :

a) Visit for foreign destinations under LTC/HTC may be undertaken by an official till the interim stayorder is in force. However, in the event of dismissal of the relevant writ petition, the concerned officialwill have to refund the entire amount paid / reimbursed towards journey undertaken in foregin land/centres in terms of the undertaking submitted by the petitioners (AISBOF and AIBOC) in the Hon’ble

High Court.

b) In the event of any tax implication for payment of such LTC/HTC bills involving en-route foreigndestinations, the tax liability will be passed on to concerned official(s).

Deduction of TDS : The Bank had started deducting TDS on bills paid in connection with LTC/HTC involvingvisit to foreign destinations enroute w.e.f. 01.04.2014. In such cases, the entire amount, including domesticleg en-route to foreign destination, was treated as income and income tax thereon was been recovered as

per Income-Tax Rules : e-Cir/951/2014-15.

While permitting any employee to avail LFC/HTC facility where the employee proposes to visit any foreigncity/country, an undertaking covering the contents of paragraph (ii) of e-Cir/1399/2014-15 should be obtainedfrom the employee.

As per the Madras High Court’s latest Order, Income-Tax is not deducted on or after 16.2.2015 on the amountpaid-reimbursed to the employee of the Bank in respect of LTC/HTC availed where the employee has visited

a foreign city/country, irrespective of the fact whether the LFC bills were submitted and paid prior to or after16.2.2015. This will remain valid till the relative interim stay is in force : e-Cir/1483/2014-15.

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CHAPTER - 7 :

RESIDENTIAL ACCOMMODATION, FURNITURE

7.1 Leased House - Rental Ceilings (w.e.f. 01.07.2012) e-Cir/319/2012-13

REVISED RENTAL CEILINGS FOR LEASED ACCOMMODATION (W.E.F. 01-07-2012)Inclusive of Car Parking and Maintenance Charges

Ref. : e-Cir No. 319/2012-13.

Grade/ Major ‘A’ * ‘A Category’ ‘B’ Category ‘C’ CategoryScale

Exst. # Revi. # Exst.# Revi. # Exst.# Revi. # Exst.# Revi. #

TEGSS-I -- 52000 -- 37000 -- 29000 -- 22000

VII 39500 50000 26800 35000 20200 27000 14250 20000

VI 35300 40000 21100 30000 15000 20000 10250 17000

V 22700 29000 15000 23000 9500 16000 7150 13000

IV 21300 26000 14300 21000 8900 14000 6450 12000

III 19900 23000 13300 18000 8500 12000 6150 11000

II 19200 21000 13000 16000 8200 11000 5550 9000

I 18500 20000 12300 15000 7800 10000 5350 8000

* Kolkata, Chennai, Ahmedabad, Bangalore and Hyderabad.

# Inclusive of car parking/maintenace/security charges, society charges (within the total entitlement,subject to a maximum of 25% of the rental amount).

REVISED RENTAL CEILINGS FOR LEASED ACCOMMODATION (W.E.F. 01-07-2012)

Inclusive of Car Parking and Maintenance Charges

FOR DGM (B&O)/DGM HEADING MCG/CAG BRANCHES/REGIONAL MANAGERS/BRANCH MANAGERS, ETC.

Ref. : e-Cir No. 319/2012-13.

Grade/ Major ‘A’ * ‘A Category’ ‘B’ Category ‘C’ Category

Scale

Exst. # Revi. # Exst.# Revi. # Exst.# Revi. # Exst.# Revi. #

TEGSS-I -- 54000 -- 39000 -- 31000 -- 24000

VII 39500 52000 26800 37000 20200 29000 14250 22000

VI 35300 42000 21100 32000 15000 22000 10250 19000

V 22700 31000 15000 25000 9500 18000 7150 15000

IV 21300 28000 14300 23000 8900 16000 6450 14000

III 19900 24000 13300 19000 8500 13000 6150 12000

II 19200 22000 13000 17000 8200 12000 5550 10000

I 18500 21000 12300 16000 7800 11000 5350 9000

* Kolkata, Chennai, Ahmedabad, Bangalore and Hyderabad.

# Inclusive of car parking/maintenace/security charges, society charges (within the total entitlement,subject to a maximum of 25% of the rental amount).

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BROKERAGE CHARGES

Brokerage Charges, which was being paid at the rate of half a month’s rental, has now been enhanced toone month’s rental, on production of receipt, as applicable to the Centre.

The extant instructions in respect of ‘C’ Category centres, i.e., the Circle CGMs being empowered to use thediscretion to notify maximum of 5 ‘C’ Category Centres in their Circles for payment of Car Parking Charges,up to a maximum of Rs. 100/- p.m. remains unchanged.

All Officers who are permitted the facility of leased house at a place of choice should necessarily stay atthe place of their posting. Arrangement for stay at headquarters, i.e., difficult/rural centre should be made

by them at their own cost. In respect of Officers, who are posted as BMs at difficult/rural centres, where officialresidence earmarked for BM is available, the Officer shall occupy that house and rent will be recovered at

the usual rate.

Reimbursement of conveyance expeses will be made as applicable for the place of posting (and not thatapplicable for the place where leased house is provided).

For lists of ‘difficult’ centres and ‘rural’ centres (based on 2001 Census), please refer to Cir. Letter No. CirDO/HR/02/2007-08. 21/1999-2000, 36/1998-99 & 122/1986

Retention of Leased House/Bank's Flat on Retirement :

i) At all centres, the designated houses meant for BM/AGM/DGM/GM/CGM must be vacated within 15 daysof retirement. No extension allowed.

ii) Retention of leased house/Bank's flat other than designated houses will not be permitted beyond twomonths under any circumstance. 95/2003-2004

iii) Retention of leased house/Bank's flat is premissibile to VR optees up to one month. 81/2007-08

7.2 Facility of Leased Accommodation at a Place of Choice :

i) On transfer, officers in Grade-I to VII have been extended the facility of leased accommodation (notBank's own quarters/flats) at a place of choice for retaining their family with a precondition that theofficer's themselves will stay at the place of their posting and will not commute to the place where the

leased accommodation has been provided.

ii) The lease rental applicable to the centre, where leased accommodation has been availed, will apply.

e-Cir. CDO/P&HRD-PM/72/07-08

iii) Officer who has opted for leased accommodation facility at a place other than his posting, would notbe eligible for guest house/bank's accommodation at his place of posting. He will have to makearrangement of his stay at his own cost/expenses.

iv) Officer who has opted for availing the facility of leased accommodation would be entitled forreimbursement of the actual T.E. in respect of self & family and also cost of transportation of baggage.The reimbursement will however, limited to his entitlement had he shifted his family and baggage tothe place of his posting.

v) Designated house if provided at the place of posting should be occupied by the official.

vi) Officer availing the facility can also exercise option to carry furniture to the leased accommodation toa place of choice and will also be permitted to avail the facility of reimbursement of maintenance

expenses of furniture. 119/2003-04

vii) The house belonging to the officer, his/her spouse and dependent children cannot be taken on lease

by the Bank for occupying by the same officer : CirDO/P&HRD/CL/87/2004-05.

ANYWHERE LEASE :

viii) The option for anywhere lease facility has been extended to Inter-Circle transfers also. They will bepermitted to keep their family in their previous place of posting and rentals applicable to that centrewill continue for one year and thereafter it will be linked to the rental ceilings applicable to the place of

posting or place of residence, whichever is lower. However, in the case of transfers within the Circle,

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the Officer is permitted to keep their family at his place of choice, and rentals as applicable to that Centre

will continue to be paid irrespective of their place of posting.

ix) The officers in Scale-I to VII are now permitted to avail leased house facility at a place of choiceanywhere within the country. However, if the officer retains the leased accommodation at the previousplace of posting (place other than within the Circle), the lease entitlement of that place will be applicablefor one year from the date of his transfer, if the entitlement is lower at the place of posting. In suchcases, after completion of one year, the entitlement will be the rental ceiling applicable to place of

posting or the place of leased accommodation, whichever is lower. This principle will be applicable,henceforth to all officers in Scale I to VII. The Scheme is effective w.e.f 1st July, 2011.

e-Cir/278/2011-12

Leased Accommodation : GM (Network) : The Bank has recently approved the facility to keep thefamily and avail leased accommodation facility at a place of choice to General Manager Network also

on the terms & conditions detailed in e-Cir/604/2012-13.

x) Imp. Clarification : In cases where an officer avails leased accommodation facility at a place of choiceother than his place of posting within the Circle, the rental ceilings applicable at the place of leased

accommodation are applicable . e-Cir/278/2011-12

Trainee Officers (TOs) 33/1997-98, 87/2004-05

i) A TO is permitted during the training period to avail leased accommodation at his previous place ofposting from where he is promoted or at a convenient place within the Circle to keep his family.

ii) A TO who avails of the above facility is permitted travelling expenses in respect of his family membersfrom a place where he was posted before his promotion to the place of choice, if any, as well asexpenses for transportation of his household luggage, provided he actually shifts his family to sucha place.

iii) The option should be exercised before commencement of the first branch training and cannot berevoked during the entire period of training.

iv) On availing the facility, HRA is not payable to the TO. Usual recovery at the rate of 4% of the first stageof his basic pay is made from his salary.

v) A TO who avails of this facility is not permitted reimbursement of travelling expenses in respect of themembers of his family and cost of transportation of household luggage on account of his subsequent

postings during the entire training period, while his own travelling expenses would be paid as usual.

vi) At the end of training period, the TO is permitted to shift his family as well as household luggage to

his place of posting from the place where the family was allowed to be stationed.

Probationary Officers (POs) :

The above facility is extended to POs also after they report to the first branch.

Leased House Facility : TOs/POs : The Bank recently approved a modification in the scheme by allowingone more chance with the terms and conditions detailed in e-Cir/793/2015-16 so that TOs/POs can avail

leased house facility during their second branch training as per the eligibility of JMGs-I official.

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CHUMMERY ACCOMMODATIONFOR FEMALE OFFICERS IRRESPECTIVE OF GRADE

e-Circular No. 532 dated 29.07.2015 :

Keeping in view the above facts, the Executive Committee of the Central Board of the Bank in its meetingheld on 22nd July, 2015, has approved a scheme of chummery accommodation for female officersirrespective of grade up to Scale V who are posted in RUSU areas, to facilitate their work in hasselfreeenvironment with undernoted terms and conditions:

i. Chummery accommodation will be provided at RUSU centres as also at nearby other centres, centrallylocated, within commutable distance from the place of posting. When established at LHO/RBOCentres, the Chummery accommodation will be provided preferably in Bank’s own premises, subject

to availability of vacant bank flat. A separate accommodation may also be hired at these centres and/or other centres if minimum 4 or 6 women employees are willing to avail chummery facility at a time.

ii. The facility shall be available for all female officers irrespective of grade provided they are posted

in RUSU Centres. Separate arrangement for TEGS-VI & VII officers will continue as hitherto.

iii. The facility will be provided in sharing basis (each room for minimum 2 officers) along with basic

amenities viz. Bed with mattress /Geyser/ Ceiling Fan /light fitting /Almriah/Water purifier/ Writing Table& Chair (as per Annexure -I).

iv. In view of the fact that the accommodation will be shared by a group of officials and the occupants will

keep on changing, the agreement of lease for the accommodation will be entered between Bank andlandlord.

v. Electricity charges will be borne by the group of the officers.

vi. The occupants will make their own arrangement for food/boarding /parking etc.

vii. Housekeeping and Maintenance will be arranged by the occupants at their cost. No separate securityguard will be provided by the Bank.

viii. Chummery facility will not be shared by children/spouse of the employee.

ix. The occupants will execute an undertaking/agreement binding themselves, inter-alia, for bearingelectricity charges, maintenance cost etc on sharing basis and also agreeing not to hold Bankresponsible for security or any incidents which may take place in the premises. The undertaking /agreement shall be drafted in consultation with the law department of the circle.

x. Recovery for availing chummery accommodation shall be at the rate of 1% of the first stage of scalein which the officer is placed, minimum Rs 500/- per month.

xi. The Chief General Manager of the Circle will be the competent authority to approve chummeryaccommodation in a particular centre and the Circle authorities will arrange accommodation,amenities, etc and will also manage cost structure through their Premises & Estate Department.

xii. Accommodation arranged by circles can also be used by female officers of Corporate Centreestablishments located in same geographical area, if they need to be posted in RUSU area.

xiii. Circles shall identify specific centres for establishing chummery accommodation around which thereare a number of RUSU branches, wherein lady officers can be placed so that there are constant flowof lady officers in these areas. HR department of each Circle will take care of the following issues priorto approving a certain number of chummery accommodation and its location:

a. Number of female officers who would need to be posted for RUSU assignment in the next twoyears.

b. Number of fernale friendly branches in the RUS-U areas of the circle where they can be posted.

xiv. Each Circle be permitted to arrange and approve need based accommodation for female officers upto10% of their present strength in the Circle.

2. There is no change in the guidelines of the existing scheme of chummery accommodation.

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Annexure-I

Fixed asset items to be installed in the chummery accommodation :

Particulars of Items Number of Items

Mattress

Single Bed

Almirah These items will be provided to each of the official

Writing Table & Chair

Gyser This item will be provided in each bathroom of flat

Ceiling Fan One fan in each of living rooms and one forcommon room

Water Purifier One Purifier will be provided in each flat

Tube light One Tube light in each of living rooms/kitchen andtwo for common room

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7.3 FURNITURE & FIXTURE : e-536/2008-09, 79/2006-07, 04/2007-08

A) i) All officers, including officers in specialist category, in JMGS-I to SMGS-V who are governed by the SBIOfficers' Service Rules 1992 will be eligible for availing of the facility. Accordingly, officers who havejoined the Bank on contract and/or whose remunerations have been fixed on CTC basis will not be

eligible for availing of the facility. Those, living in ancestral house can also avail of the facility.

ii) Under the proposed scheme, officers will henceforth be allowed to purchase the essential items offurniture/fixtures of their choice within the cost prescribed herein for each grade from reputed dealerat the place of residential accommodation/nearest big centre.

iii) Monetary ceilings for purchase of furniture/fixtures for various grades is be as under : e-Cir/646/2013-14.

Grade/Scale At all Centres(Exclusive of taxes)

SMGS-V Rs. 2,50,000/-SMGS-IV Rs. 1,65,000/-Grade/Scale At all Centres

(Exclusive of taxes)

MMGS-III Rs. 1,40,000/-MMGS-II Rs. 1,30,000/-MMGS-I Rs. 1,20,000/-Officers transferred out of Circle on administrative grounds by the Bank, are entitled for 20% additionalentitlement over and above the respective eligible grade-wise ceilings.

On promotion, an officer may become eligible for higher ceiling for purchase of furniture/fixture.

Provision of Furniture at Residential Accommodation of

Officers from Scale-I to V :

Sr. No. Items No. of items not to exceed

1. 3 piece sofa set 1

2. Centre table 1

3. Show case 1

4. Single bed/double bed (with/without mattresses) 4/2

5. Dining table 1

6. Dinging chair 6

7. Writing table 1

8. Writing chair 1

9. Dressing table (with/without stool) 1

10. Ironing table 1

11. Iron 1

12. Inverter 1

13. Computer table 1

14. Computer chair 1

15. Steel/Aluminium kitchen rack 1

16. Water purifier 1

17. Washing machine(fully automatic) 1

18. Refrigerator ( any size) 1

19. Mixer grinder 1

20. Vaccum cleaner 1

21. LCD/Coolur TV (any size) 1

22. TV trolley 1

23. Set Top Box (Conditional Access System/DTH), 1wherever applicable

24. OTG/Microwave oven 1

25. Air conditioner (any size) 1

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26. DVD/VCD/MP3/Home theatre 1

27. Meet safe 1

28. Peg table 2

29. Bed side table 2

30. Sofa cum bed 1

31. Telephone table with/without seating arrangement 1

32. Garden chairs 4

33. Carpet 1

34. Shoe rack 1

35. Room heater

36. Laptop/Note Book

37. Morning Walker

38. Foot Massager

39. RO System

Additional Items for Officers in Scale-V:

1. Cooking range 1

2. Dish washer 1

3. Wardrobe (Wooden) 1

4. Wall unit 1

5. Kitchen chimney hub (metalic) 1

6. Food processor 1

Items of Fixtures :

Ceiling fan (4), Tube light (6), Chandelier (1), Geyser (1),

Steel Almirah (2), Air cooler (1)

The above lists are exhaustive.

Electronic & Fitness Items : Clarifications :

Officers in Scale-V and Below :

Ref. : e-Cir/45/2010-11.

An officer may purchase an item without restriction on quantity from the list of prescribed items applicable

as per his scale within his overall entitlement.

The electronic items detailed in e-Cir/45/2010-11 have been included in the prescribed list of furniture andfixtures.

The fitness items detailed in e-Cir/45/2010-11 have been included in the prescribed list of furniture andfixtures.

The new items and changes should be within the overall entitlement of the officer.

(Earlier, the officer was required to utilise 50% of overall entilement on furniture items.)

Mattresses, curtains, inverter battery are now covered within the maximum 50% ceiling of electronic items;

the rest 50% ceilings should be utilised for furniture items only : e-Cir/646/2013-14, 354/2014-15.

These changes are also applicable to officers in scale TEGS-VI and above.

Replacement of Curtains : e-Cir./646/2013-14

Curtains may be replaced after 3 years from the date of purchase/supply within the following sub-ceilingof furniture & fixture purchased under the new F&F Scheme.

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Scale Cost of Curtains (Including stitching)

JMGS - I Rs. 11,000

MMGS - II Rs. 13,000

MMGS - III Rs. 13,000

SMGS - IV Rs. 16,000

SMGS - V Rs. 22,000

Replacement of Battery for Inverters :

Battery for inverter may be replaced after 3 years from the date of purchase/supply within the prescribed

sub-ceiling (common for scale I to V) but within overall ceiling of new F & F scheme.

Sub-entitlement for Purchase of Mattresses :

An officer may purchase mattresses within an overall ceiling of 20% of his entitlement of furniture : e-Cir/646/2013-14 :

Scale Cost of Mattresses

JMGS - I Rs. 24,000

MMGS - II Rs. 26,000

Scale Cost of Mattresses

MMGS - III Rs. 28,000

SMGS - IV Rs. 33,000

SMGS - V Rs. 50,000

iv) After purchasing the furniture/fixtures from reputed dealer, the officers will have to use the same for 10

years. Thereafter, the ownership of the furniture/fixtures will be transferred to the officers.

v) At the time of retirement/voluntary retirement/exit/removal/dismissal of the officer, if an officer has put

in more than five years of service from the date of reimbursement for furnitute/fixtures, no recoveryshall be made from him and the ownership of Bank's furniture/fixtures will be transferred to him.

Further details furnished separately in this Chapter.

Mattresses that are more than one year old (earlier, 3 years) can now be carried free of cost by retiringofficers of all grades : e-Cir/646/2013-14.

However, if an officer is retired/voluntarily retired/removed/dismissed or allowed to exit from the servicewithin 5 years from the date of reimbursement for furniture/fixtures, the book-value of the furniture/fixtures will be recovered from his terminal dues.

In case of death of the official while in service, the family of the deceased officer will be given the furniture/fixtures already purchased by that officer free-of-cost and the book-value of the same will be written off

from the Bank's books. e-Cir/134/2010-11

vi) Curtains, Inverter Battery: The Bank recently decided that the curtains and inverter battery being

consumable items, may be given to the officers (in all scales) who retire on superannuation, free-of-cost irrespective of its age. The book-value, if any, may be written off as per the extant instructions.

e-Circular/749/2008-09

vii) Furniture rent recovery shall be @ 0.40% of the first stage of the scale of pay in which the officer isplaced. 79/2006-07

viii) Officers on probation are also now entitled for furniture & fixtures as per their liability applicable to these

scale. CDO/P&HRD-PM/82/2008-09(e-536/2008-09)

Purchase of Furniture Items through Internet : Revised Instructions : e-Cir/244/2014-15 :

a) The officers of all grades are now allowed to purchase furniture/fixture items through Internet, providedproper bills (along with VAT/TIN number) are produced for payment and the same are otherwise in order.

b) The existing system of physical verification of purchased items by an independent official beforepayment of the bill will continue.

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c) In case any such transaction for Internet purchase is detected as fraudulent one, the concerned

officer(s) will bear the entire loss, including the advance payment made, if any.

7.4 Payment of Lump-sum Amount for Repairs etc.Annually the officers are eligible for reimbursement of expenses on account of repairs, charges forwashing of curtains, etc. on certificate basis as under : e-Cir/646/2013-14 :

JMGS-I : Rs. 11,000/- p.a.

MMGS-II : Rs. 12,000/- p.a.

MMGS-III : Rs. 13,000/- p.a.

SMGS-IV : Rs. 15,000/- p.a.

SMGS-V : Rs. 18,000/- p.a.

Officers may claim annual maintenance allowance on a certificate basis during the financial year i.e.

up to 31st March each year. However, officer will not be paid annual maintenance allowance with oneyear from the date of purchase of furniture for the first time.

Circular references for details : CirDO/HR/79 of 2006-07, CirDO/HR/04 of 2007-08, CIRCO/HR/CL/6/2008-09, e-Cir./289/2010-11, e-Cir/289/2010-11, e-Cir. No.134 dated 07.06.2010, e-Circular No. 244 dated16.07.2010, CIRDO/HR/CL/6/2008-09, Cir/45/2010-11 dated 28.04.2010, 261/2010-11, etc.

Clarifications :

• For officers retired/retiring before the month of January, lump sum amount for the full year in which theofficer retires may be paid : e-Cir/354/2014-15.

Further details furnished separately in this Chapter.

• If husband and wife both are working as officers in our Bank:

a) Either at the same centre, OR

b) or both are working at different centres and have been supplied furniture items separately andlater come to stay at the same centre, the officers in such situation may be allowed to hold twosets of furniture. The storage of excess furniture, if any, may be arranged by the officers at their owncost.

• Purchase of furniture items through Internet is now permitted. Further details furnished separately in

this Chapter.

• An officer staying in ancestral house is eligible to avail the furniture facility (Staff Circular No. 12/2001-02).

• Those who avail furniture to the extent of 50% or more of their entitlement, may be paid full annualmaintenance lump sum allowance applicable to his substantive grade.

• Those who avail furniture to the extent of less than 50% of their entitlement may not be paid any annuallump sum amount.

• Fixtures are part of the furniture entitlement and additional ceiling for the fixtures have not been providedfor in the new scheme. However, if the officers are residing inthe Bank's flat, the items viz. Ceiling Fans,Tube lights and Geysers provided in the flat should be treated as part of fixed fixture items (such as in-built almirah, grills, etc.) and may not be removed on account of transfer of the officer.

When an officer is transferred to a centre where he is allotted Bank's flat, he may be permitted to hold2 sets of such fixtures (one that he may be carrying from the leased house, etc. provided to him at previouscentre) and the storage of such additional set of fixtures may be arranged by the officer at his own cost.However, for the purpose of overall ceiling, the original cost of only one set of fixture of lesser value maybe considered.

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• An officer can avail the facility to purchase new electronic items 6 times only during his entire service,

and for purchase of furniture, the facility will continueL to be availed 3 times only during his entire serviceas per extant instructions.

• At present, the ownership of Bank’s furniture and fixtures is transferred to the officer at time of retirementon attaining superannuation at the following rate :

1. Furniture with more than 5 years of age : Free-of-Cost.

2. Items with more than 4 years of age : at 20% of the original cost.



5. Items with more than 1 year of age : at 80% of the original cost.

6. Items with less than 1 year of age : at 100% of the original cost.

• The depreciation of the furniture and fixtures will be calculated on the actual age of the items as on thedate of retirement of the officer, by calculating the depreciation on monthly basis for the period overand above the age completed on yearly basis. For example, if the age of the furniture is 4 years and11 months, the depreciation will be calculated, apart from the completed age of 4 years, for 11 monthsalso on monthly basis.

• The difference amount, if any, in the book-value and sale value should be written off.The authoritystructure for writing off shall be the same as advised in Bhopal LHO Circular Letter No. CIRDO/HR/04/2007-08.

• The above instructions are not applicable to the families of deceased officers who die while in service(in which case the present book-value is written off).e-Cir/134/2010-11

LIFE SPAN e-Circular/244/2010-11

• Furniture & Fixures, including physical fitness/health equipment 10 years

• Electronic consumer items, including electrical items and equipment 5 years

running on electricity.

• Mattresses, curtains and invertor battery 3 years

Furni./Fixtures : The electronic items and mattresses that are 3 years old at the time of retirement of the

officer should now be provided free-of-cost to the the retiree officer, and the depreciated book-value thereofshould be written off in the books of the Bank. The existing instructions of providing 5 years old furniture itemsfree-of-cost to the retiring officers continue as hitherto. e-Cir/289/2010-11

Furniture & Fixtures : Queries & Recent Clarifications

Ref. : e-Cir/799/2013-14 :

QUERY : Whether the officers in present grade are eligible to purchase furniture as per revised grade-wisemonetary ceilings?

RESPONSE : All officers are eligible to purchase furniture as per revised monetary ceilings applicable totheir present grade/scale as per prescribed list.

QUERY : It is mentioned in the Circular that Officers transferred out of Circle on administrative grounds bythe Bank shall be entitled for 20% additional entitlements over and above the respective eligible grade-wise ceilings. Whether the Officers transferred out of Circles on administrative grounds after 1stSeptember, 2013 are only eligible for 20 per cent additional furniture ceilings?

RESPONSE : All officers who are presently posted at a place out of their parent Circle are eligible for 20%additional ceilings.

QUERY : Whether the Officers transferred out of Circle but continuing in the same geographical locationare eligible for additional 20% limit e.g. an Officer from Mumbai Circle posted to Corporate Centre or anofficer from Hyderabad Circle to any Corporate Centre establishment in Hyderabad?

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RESPONSE : Officers posted in the same geographical location/establishment within parent circle are not

eligible for 20% additional ceilings.

QUERY : Whether the sub-limits for Curtains, Mattresses and inverter Battery are also applicable for

additional 20 per cent limit?

RESPONSE : The maximum sub-limits for curtain, mattress and inverter battery shall remain asprescribed in Circular no. CDO/P&HRD-PM/30/2013-14 dated 12/9/2013.

QUERY : Provision of mattress at the time of retirement.

RESPONSE : Provision of mattress at the time of retirement shall be as per provisions of Circular No. CDO/P&HRD-PM/79/2012-13 dated February 23rd, 2013 (detailed separately).

QUERY : Earlier there was no sub limit prescribed for mattresses, hence some officers have claimed majorportion of their furniture limit towards mattresses. Now mattresses limit is included in electronics,resultantly it exceeds the 50 per cent of limit towards electronics. Please advise us the steps to be takenin this regard.

RESPONSE : Officers, who have already purchased mattresses of cost more than their grade-wise sub-ceilings eligibility of overall entitlement, will be eligible to purchase mattresses in future only within theprescribed sub-ceilings after completion of 3 years lifespan, and for the remaining residual amount will

necessarily have to purchase furniture items having a lifespan of 10 years.

QUERY: How to ascertain the parent Circle in respect of officials of erstwhile State Bank Saurashtra and

State Bank of Indore?

RESPONSE : The place of posting of officers of erstwhile SBS and SBIN at the time of merger with SBI shallbe treated as their parent Circle.

Furniture & Fixture : TEGS-VI & TEGS-VII :

Modifications : e-Cir/1300/2013-14 :

a) Officials in Grades TEGS-VI and TEGS-VII will now carry all the furniture of their full entitlement upon theirtransfer.

b) Officers on promotion to Grade TEGS-VI from SMGS-V are not permitted to surrender the furniture andfixture items acquired during their earlier lower incumbency and their entitlement in TEGS-VI is decided byreducing the original cost of furniture/fixture which they are holding at the time of promotion.

c) Annual maintenance Charges : W.e.f. 01.04.2014 :

TEGS-VI : Rs. 30,000/-

TEGS-VI Rs. 35,000/-.

d) Officials in Grades TEGS-VI and VII on retirement from the Bank now acquire and retain the furnitureand fixture items as per the extant provisions : e-Cir/1414/2013-14.

FURNITURE & FIXTURE

Modifications : W.e.f. 01.04.2014 : e-Cir/354/2014-15 :

a) Officers in TEGS VI & VII retiring after 31.03.2015 will be required to mandatorily purchase all the itemsof furniture/fixture at the time of retirement at prescribed discounted value.

b) The ownership of furniture and fixture with less than one year of age is now transferred to the retiringofficials of all grades at discounted value of 1.66% per month of original cost of furniture, calculated at therate of discount of 20% per annum. The difference of book value and discount value is absorbed by Bankas hitherto.

c) Officers of all grades up to TEGS-VII are eligible for reimbursement of full annual maintenance chargesfor the year of their retirement even if they retire in the middle of the year.

However, in case any officer resigns from the Bank in the middle of the year, he/she is reimbursed annualmaintenance charges on pro rata basis.

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d) Mattress and Curtain are covered within the maximum 50% ceiling of electronic items for the officials

of all grades.

7.5 Reimbursement of Casual Labour to Officers:w.e.f. 01-06-2015 : e-Cir/340/2015-16

For employing casual labour for attending the maintenance :

Category of Officer Amount Per Day (Rs)Scale Revised

JMGS-I 20

MMGS-II 34

MMGS-III 40

SMGS-IV 71

SMGS-V 143

TEGS-VI 215

TEGS-VII 220

TEGSS-I 300

TEGSS-II 375

7.6 Recovery of House/Furniture Rent: w.e.f. 01-11-2012 : 138,139-2010/11

i) House Rent recovery shall be @ 0.75% of the first stage of the scale in which the officer is placedor the standard rent* for the accommodation, whichever is less.

ii) Furniture rent recovery shall be @ 0.15% of the first stage of the scale of pay in which the officer ispaced.

*Standard Rent (w.e.f. 01.07.1998) : 43/1998-99

Living Area Standard Rent Living Area Standard Rent(Square Metres) (Rs.) (Square Metres) (Rs.)

Up to 50 113 151 to 180 433

51 to 60 135 181 to 225 510

61 to 75 157 226 to 300 728

76 to 90 209 301 to 400 901

91 to 105 252 401 to 550 1073

106 to 120 296 Beyond 550 1250

121 to 150 362

For servant quarters and garage, allotted independent of the regular accommodation, recovery shall be atthe following flat rates:

Servant Quarter : Rs. 17 per month

Garage : Rs. 10 per month

7.7 Supply of Cleansing/Disinfecting Materials : e-Cir/340/2015-16, e-Cir/483/2011-12

All officers provided with furnished/unfurnished Bank-owned/leased residential accommodation and those

officers, who have, at their request, been provided with full set of furniture (or part set at the Bank’s discretion)at their own houses/flats built/acquired by availing loans under Individual/Staff Co-operative HousingScheme/ancestral houses, are eligible for the facility. The current monetary ceilings are:

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Category Revised Ceiling w.e.f. 01.06.2015

JMGS I Rs.850/-

MMGS II Rs.1125/-

MMGS III Rs.1200/-

SMGS IV Rs.1350/-

SMGS V Rs.1700/-

TEGS VI Rs.2150/-

TEGS VII Rs.2200/-

TEGSS I Rs.2800/-

TEGSS II Rs.2900/-

7.8 Supply of Utility Items: CIRDO/CirL/HR/17/2014-15

The Bhopal Circle Management has recently reviewed the list of utility items and the amount reimbursablefor the purchase of these items as under :

Items that may be purchased : Plastic buckets & mugs (2 each), Doormats (2 nos.), Dustbin (1 no.), Watercontainer 100 Ltr. (1 No.), Patra (2 Nos.), Bath mats (2 nos.), Wash Tub (1 No.) Tube rods (3 nos.), CFL (1

No.), Bulb (2 Nos.), Mop (1 No.)

Amount Reimbursable (P.A.) :

Sr. Grade Amount (P.A.)

1. JMGS I to SMGS V Rs. 2,500/-

2. TEGS VI and above Rs. 3,000/-

The amount will be reimbursed on certificate basis and may be claimed in the format enclosed to CIRDO/CL/HR/24/2011-12. Officers who have already claimed reimbursement (as per Circular No. CirDO/HR/39/2008-09), shall be eligible for reimbursement in terms of the revised instructions, only after expiry of two

years from the date of reimbursement.

All other terms and conditions of the facility remain unchanged.

7.9 RESIDENTIAL TELEPHONES : e-79/2009-10, 15/1996-97, 36/1995-96

Official telephone, with STD facility, is provided at the residences of officers, depending upon Bank’s needs.On such telephones, ISD facility is extended to Officers in SMGS-IV and above, according to the requirementsof the Bank. Bank pays the rental charges in respect of such telephone connections. For each grade/scaleof Officers, the Bank has specified the following number of free calls (ceiling) over and above the usual freecalls allowed by Telephone Department:

TEGS VII 2,800 calls per month

TEGS VI 2,100 calls per month

SMGS V & IV 1,200 calls per month

MMGS III & II 450 calls per month

JMGS I 300 calls per monthThe above ceilings are effective from 01-02-2010.The officers are now allowed to carry over unused callsin a particular month up to the end of each calendar quarter.

Officers of MMGS-II grade and above, irrespective of their positions, are now allowed the facility of officialtelephone at their residences. However, the eligibility for availing telephone facility from the Bank for officersin JMGS-I remains unchanged : e-Cir/791/2011-12

An Officer can make calls within these prescribed limits and the Bank will pay the charges. In case the

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number of calls exceeds these limits, whether it is for official reason or otherwise, he will have to pay the

excess bill amount.

Consequent upon change in assignment at the same centre, if an Officer is not entitled for residentialtelephone facility in the new position, the telephone provided to him at his residence during his previousassignment shall be allowed to continue till the officer continues at the centre. However, in such cases,only telephone rental would be reimbursed and no free calls other than those permitted by the TelephoneDepartment would be allowed.

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MOBILE PHONE TO OFFICERS :

UNIFORM POLICYe-Cir/1262/2013-14, 718/2011-12

The facility is available only to such functionaries whose duties are such that they are required to frequentlyremain out of their office and who are to be contacted for official purposes or where the officer concerned isalso required to contact various functionaries for official purposes while away from their office and residence.

2. The facility is to be used judiciously by the officers for official purposes only and confirmation to thiseffect be obtained from the officers concerned while paying the bills of their mobile phones.

3. Provision of mobile handsets and reimbursement of mobile call charges to officers, the ExecutiveCommittee of the Central Board (ECCB) have recently decided as under :

3.a. All officers who have completed 2 years of service in the Bank may be provided with mobile handset.

3.b. Probationary Officers / Trainee Officers or other officers, on completion of one year of probation,depending upon their nature of work, may be provided with mobile handset, subject to approval of theCompetent Authority.

3.c. The grade-wise ceiling on cost of mobile handsets and monthly call charges are detailed separately.

3.d. The authority to sanction mobile phones to officers in JMGS-I grade (other than Branch Managers) andPOs/TOs is vested with the Regional Manager/Departmental Head not below the rank of SMGS V.

3.e. i. Officers of TEGS-VI grade:

1. There will be no ceiling on monthly call charges inclusive of rental and taxes etc.

2. They will be provided with the facility of STD, ISD, Advanced GPRS/Blackberry, Multimediamessaging, Internet and national roaming on their request.

3. While visit to foreign land for official purpose/LTC or HTC, the officer may be provided withthe Matrix or some other similar facility, where absolutely necessary, subject to approval ofcontroller. Where such facility is not available, International Roaming may be permitted withthe approval of the controller. The officers should be advised to use such facility judiciouslyand economically and they should give a confirmation to this effect while claimingreimbursement. The above entitlement will also be applicable to officers in grade TEGS-VII and above.

3.e ii. Officers of JMGS-I to SMGS-V grade:

1. They will be provided with the facility of STD and national roaming subject to above ceiling

on monthly call charges.

2. The facility of ISD, Advanced GPRS/Blackberry, Multimedia messaging, Internet and anyother additional facility may be provided to them on their request, depending upon their

nature of work, subject to approval of the departmental head/controller not below the rankof AGM. The foregoing facilities will be provided subject to above ceiling on monthly callcharges.

3. While visit to foreign land for official purpose/LTC or HTC, the officer may be provided withthe Matrix facility, where absolutely necessary, subject to approval of the controller. WhereMatrix facility is not available, International Roaming may be permitted with the approval ofthe controller. The officers should be advised to use such facility judiciously and economicallyand they should give a confirmation to this effect while claiming reimbursement.

3.f. Officers on transfer shall carry the handsets with them while the SIM card, which is invariablyto be subscribed in the official capacity should be surrendered at the Branch/office from wherethey have been transferred. However, in such cases where portability of number is allowed bythe service provider, the officer on his/her request, may be permitted for the same subject to such

terms and conditions as may be prescribed.

Revised Instructions : Detailed separately.

3.g. In such cases where the officer is promoted to higher grade and becomes eligible for mobilehandset of higher amount, he/she may be permitted for the same only after completion of threeyears of purchase of old handset.

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3.h. The officers will themselves arrange for purchase of mobile handsets of reputed make likeNokia, Sony Ericson, Samsung, LG etc. and seek reimbursement subject to above ceiling onproduction of bill/cash receipt, the details of which will be recorded in his/her service sheet.

3.i. After lapse of 3 years from the date of purchase of mobile handset, the officer will be eligible fora new handset subject to above ceiling. As buyback of the old handset will be difficult, the officerwill be allowed to retain the same. In no case, new mobile handset will be issued to the officerbefore expiry of 3 years of the handset. The date of purchase of mobile handset which is in useby the official will be entered in his service sheet. If the handset is old for more than 3 years, he

will be eligible to purchase a new handset subject to above ceiling.

3.j. The officers will be responsible for safe-keeping of the mobile handset. In case of loss/theft etc.

the officer will himself arrange for new handset as in no case new mobile handset will be givento the officer before expiry of 3 years of the date of purchase of handset.

3.k. The Bank will bear the cost of repairs/maintenance and upkeep of the mobile handset till 3 years

from the date of purchase or the date of retirement, whichever is earlier. Thereafter, the Bank willnot bear the cost for repairs and maintenance of the handset.

3.l. All officers on superannuation at the age of 60 years will be eligible to retain the mobile handsetat no extra cost.

The book-value of the mobile phone given to the officer will be written of on superannuation.

3.m. In case of voluntary retirement/resignation/dismissal, etc., if the officer wants to retain thehandset, he can retain the same after paying the book-value of the handset.

3.n. The authority to write off book value, if any, will be vested with the DGM and Circle DevelopmentOfficer in case of Circles and DGM (Estate) in case of Corporate Centre establishments.

3.o. The New Scheme replaces the earlier practice being followed in different Circles/Branches/officesof the Bank. These instructions are effective from the 1st December 2011.

3.p. For any clarification in this regard, CGM (HR) is the competent authority to issue clarifications.

The above instructions should be followed meticulously.

MOBILE HANDSET WITH ONE SIM : REVISED MONETARY CEILINGS;REVISED OVERALL MONTHLY CEILINGS

Ref. : e-Cir/1262/2013-14.

The Executive Committee of the Central Board recently revised the facility as under :

i) All eligible officers of the Bank are now entitled for purchase of one mobile handset with one SIM withinthe revised monetary ceiling as mentioned below : e-Cir/1262/2013-14.

The Bank has recently fixed overall ceiling (instead of separate sub-ceilings) for officers up to gradeSMG-V, covering Monthly Plans/Rentals and Monthly Call Charges, as detailed in e-Cir/960/2015-16.

Officers’ Cost ceiling for one mobile Revised Overall Ceiling, inclusive of MonthlyGrade handset (exclusive of taxes) plans/Rentals and Monthly Call Charges

w.e.f. February 2014 (exclusive of taxes)

Revised (Rs.) Revised (Rs.)

JMGS-I Rs.6,000/- Rs.500/-

MMGS-II Rs.7,000/- Rs.600/-

MMGS-III Rs.8,000/- Rs.700/-

SMGS-IV Rs.13,000/- Rs.900/-

SMGS-V Rs.15,000/- Rs.1250/-*

* For Officials of SMGS-V grade holding positions of RMs. For Heads of CPCs and other budgetaryassignments, the overall ceiling is 1500/- p.m. (instead of separate sub-ceiling for 500/- for monthly rentaland Rs. 1000/- for call charges).

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i) The officers shall use mobile phone judiciously and economically.

ii) Towards a step forward for routing the staff payments through HRMS portal, necessary service has beenrolled out for reimbursement of the cost of Mobile Handsets to officers in grades JMGS-I to TEGSS-II of theBank with immediate effect : e-Cir/741/2014-15.

All the Branches/offices should route all their reimbursements covered by the service through HRMS portalonly.

iii) The officials in grades JMGS-I to SMGS-V are now able to apply for reimbursement of post-paid mobilebills in respect of mobile hand-set provided by the Bank on monthly basis, subject to the grade-wise stipulatedceiling. Salient features of the service and some important points are detailed in e-Cir/1437/2014-15.

MOBILE HANDSET : SURRENDER OFSIM CARD ON TRANSFER

In terms of Circular No. CDO / P & HRD - PM / 82 / 2011-12, the officer on transfer shall carry the handsetwith him while the SIM card, which is subscribed in the official capacity, should be surrendered at the branch/office from where he has been transferred.

The following revised stipulations should now be followed regarding surrender of the SIM card in

the event of transfer of the official from one centre to other centre : e-Cir/1094/2013-14 :

i) In case of Transfer within the Same Centre :

a) Circumstances : SIM Card which is subscribed in the official capacity and linked/related to thedesignated post.

Procedure : SIM card should be surrendered immediately on handing over the charge at the

branch/office from where the official has been transferred.

b) Circumstances : SIM Card which is subscribed in the official capacity but not linked/relatedto designated post.

Procedure : SIM Card may be continued.

ii) In case of Transfer Outside the Centre :

a) Circumstances : SIM Card which is subscribed in the official capacity and linked/related to thedesignated post.

Procedure : SIM card should be surrendered immediately on handing over the charge at thebranch/office from where the official has been transferred.

b) Circumstances : SIM Card which is subscribed in the official capacity but not linked/related

to designated post.

Procedure : SIM card should be surrendered at the branch/office within 10 days from the dateof reporting to the transferee centre.

Incidentally, after surrendering the SIM Card, the official may obtain a new SIM Card at his new placeof posting.

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CHAPTER - 8 :

SUPPLY OF BRIEFCASE & NEWSPAPERS

8.1 Supply of Briefcases (once in 3 years) to Officers* who are

required to carry Official Papers on a Regular basis :

e-Cir/295/2011-12

Category Amount Category Amount

TEG SS-I & II Rs.6700/- TEGS-VI & VII Rs.4700/-SMGS-IV & V Rs.4000/- MMGS-II & III Rs.3100/-

JMGS-I Rs.2400/-

*POs and TOs are not eligible for the facility during their probation/training period.

8.2 Supply of Newspapers : e-Cir/340/2015-16

(Revised w.e.f. 01.06.2015)

Scale Revised Ceilings

SCALE-I Rs. 550/- p.m.

SCALE-II Rs. 800/- p.m.

SCALE-III Rs. 840/- p.m.

SCALE-IV Rs. 1240/- p.m.

SCALE-V Rs. 1400/- p.m.

SCALE-VI Rs. 4250/- p.m.

SCALE-VII Rs. 5500/- p.m.

TEGSS-I Rs. 5750/- p.m.

TEGSS-II Rs. 6000/- p.m.

i) The system of submiting bills/vouchers for newspaper/magazine has been replaced by the systemof reimbursement on certificate basis.

ii) The terms and conditions applicable to TEGS-VI and above remain unchanged.

iii) Officers, who are on authorised leave, other than study leave/extra-ordinary leave, are eligible for thefacility for such period also. 87/1990

iv) The entitlement of on officer to various benefits/perquisites are applicable to a particular grade/scalebegins from the date he/she is promoted to that grade/scale and not from retrospective effect in caseof back-dated promotion. Hence claim for arrear benefits with retrospective effect cannot be lodged.

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CHAPTER - 9 :

REIMBURSEMENT OF

ENTERTAINMENT EXPENSES

e-Cir/450/2011-12

9.1 Reimbursement of Entertrainment Expenses:

2.(A) Entertainment Expenses :

Based on functional requirements, the officers are divided into three categories viz. Other,Operational and Budgetary and the ceiling for reimbursement of entertainment expenses hasbeen revised as under:

2. (A).I. ‘Other’ category (i.e., non-budgetary and non-operational) increased by 30% (rounded off toRs.10) and this is the ‘Base Amount’; and

2. (A).II. ‘Operational’ and ‘Budgetary’ positions increased over the ‘Base Amount’ as under:

Category of Officers Operational Budgetary

JMGS - I (Confirmed) Rs.5, 000 Rs.I0,0000

MMGS - II Rs.6,000 Rs.12,000

MMGS - III Rs.9,000 Rs.18, 000

SMGS - IV Rs.11,000 Rs.22, 000

SMGS - V Rs.13, 000 Rs.26, 000

TEGS - VI Rs.15, 000 Rs.30,000

TEGS - VII — Rs.30, 000

TEGSS - I — Rs.30,000

Accordingly, the ceilings for reimbursement of entertainment expenses have been increased asunder :

2(A). (i). Officers of ‘Other’ Category (Base Amount) :-

Officers (others) not holding budgetary and operational positions or positions other than thosementioned in Paragraph 2(A). (ii) and 2 (A).(iii) below:

Category of officers Reviised Rs. p.a.(Base Amount)

JMGS - I (Confirmed) 7,000

MMGS - II 8,800

MMGS - III 9,200

SMGS - IV 11,000

SMGS - V 12,700

TEGS - VI 25,600

TEGS - VII 32,000

TEGSS - I 47,600

2 (A). (ii) Officers holding ‘Operational’ positions :

Officers of all scales in Operational assignments’ like DGM (Operations), Accountants, Cashofficers, Lead Bank Officers, District Co-ordinators, Credit Officer (Rural. CPC), Inspection .Officer(Rural CPC), Customer Support Officer (Support Officer to RM-ME), Sr. Marketing Executives(HLST), City Case Officer (SARC), CPC Team Leaders, Credit Analyst, COO in MCG/CAG and atother DGM headed branches, Case Lead Officers, Recovery & Rehabilitation officers at SAMBs,Customer Relation Officer (in redesigned branches), other similar BPR Role Holders etc : -

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Category of RevisedOfficers Rs p.a.

JMGS - I 12,000

MMGS - II 14,800

MMGS - III 18,200

SMGS - IV 22,000

SMGS - V 20,250

TEGS - VI 40,600

Introduced

2. (A). (iii) Officers holding ‘Budgetary’ positions :

Officials having budgetary assignments irrespective of their positions, including Field Officers, Relationship

Managers (PB, NRl, MCG, CAG, New business dept. outfit), Team Leader (MPSTIHLST): .

Category of Revised

Officers Rs. p.a.

JMGS - I 17,000

MMGS - II 20,800

MMGS - III 27,200

SMGS - IV 33,000

SMGS - V 38,700

TEGS - VI 55,600

TEGS - VII 62,000

TEGSS - I 77,600

2. (A). (iv) TEGSS- II/DMDs :

Category of Revised (Rs. p.a) Officers

TEGSS II 80,000

2(A).(v) Managing Directors Revised (Rs) p.a

90,000

2(A).(vi) Chairman Revised (Rs) p.a

1,00,000

2(B) REIMBURSEMENT OF EXPENSES INCURRED ON TEA/COFFEE/COLD DRINK/SNACKS, ETC.

2.(B).(I) The ceiling on reimbursement of expenses incurred on tea, coffee, cold-drinks, snacks, etc., hasbeen revised as under:

Grade of Officers holding operational Officers holding budgetaryOfficers positions as mentioned in positions as mentioned in

para 2(A) (iii) above : para.2 (A) (ii) above :Revised Rs. p.a. Revised Rs. p.a.

JMGS - I 2,000 3000

MMGS - II 2,500 3,500

MMGS - III 3,000 4,500

SMGS - IV 3,500 5,000

SMGS - V 4,000 5,500

TEGS - VI 5,700 6,000

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2(B) (ii) The discretion provided to CGMs of Circles, CGMs of MCG, RABG, SAMG, MCG and CAG to permitreimbursement of expenses incurred on tea, coffee, snacks cold drinks etc. by officials in BPRinitiatives etc. has been revised as under:

Revised (Rs.) p.a

4,500

2(B).(iii) Further, the ceilings for reimbursement of expenses incurred on tea, coffee, snacks cold drinks,etc. by officers of JMGS I to TEGS VII at Central Office, LHOs, AOs/ZOs and other establishmentsof aforementioned offices have also been revised a under:

Grade Revised (Rs.) p.a

JMGS - I 2,000

MMGS - II 3,000

MMGS - III 3,500

SMGS - IV 4,000

SMGS - V 5,000

TEGS - VI 6,000

TEGS - VII 7,000B. Reimbursement of expenses incurred on tea/coffee/cold drink/snacks, etc.:i) The ceiling on reimbursement of expenses incurred on tea, coffee, cold- drinks, etc. has been revised

as under :Grade of Managers of Divisions BranchOfficers at branches, Lead Bank Managers (Rs.)

Officers, District Co-ordinatorsand Rural Development Managers,

Relationship Managers (Rs.)TEGS-VI Not applicable 4,550SMGS-V 3,500 4,000SMGS-IV 3,000 3,500MMGS-III 2,500 3,000MMGS-II 2,000 2,500JMGS-I 1,500 1,600

ii) The discretion provided to CGMs of Circles, CGMs of MCG, RABG, SAMG, MCG and CAG to permitreimbursement of expenses incurred on tea, coffee, snacks, cold drinks, etc. by officials in BPRinitiatives, etc.: Rs. 4,000 p.a.

iii) Further, the ceilings to incur expenditure for the purpose for officers in JMGS- I to TEGS-VII at CentralOffice, LHOs, ZOs and other establishments has also been revised as under:Grade Revised (Rs.) p.a.TEGS-VII 6,000/-TEGS-VI 4,500/-SMGS-V 3,700/-SMGS-IV 3,000/-MMGS-III 2,400/-MMGS-II 1,800/-JMGS-I 1,200/-

2. Overall annual eligibilty of an officer is considered pro-rata based on theirperiod of assignmentsother than officers retiring on superannuation where ceiling for the whole year will be payableirrespective of date of retirement.

3. An officer cannot claim entertainment expenses upfront. The overall annual eligibility of an officer isconsidered pro-rata, based on his period and category of assignment and such amount may be madeavailable pro-rata on quarterly basis. e-Cir/140/2011-12

Further, in respect of officers retiring on superannuation, the ceiling for the whole year is payableirrespective of date of retirement. e-Cir/140/2011-12

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4. Officers on probation may be reimbursed entertainment expenses and expenses incurred on tea/coffee/cold drinks/snacks, etc. (wherever applicable) : w.e.f. the financial year 2011-12.

e-Cir/719/2011-12

5. Submission of bills, cash memos for claming reimbursement of entertainment expenses hasbeen done away with. 45/2006-07

C. Club Membership : e-Cir/121/2015-16, 106/2003-04

BMs., Mgrs. of Divns.*, RDMs, DCs, LBOs and all Officers in SMGS-IV and above are allowed to join oneclub in their area, subject to report to the Controlling Authority concerned. Admission fee up to the prescribedamount is reimbursed, and the membership subscription of the club up to the prescribed amount (perannum) is borne by the Bank by debit to the Bank’s Charges Account; remaining amount of admission fee/membership subscription, if any, is borne by the Officer or claimed by him through his personal entertainmentquota.

* Business & AccountsAdmission fee and subscription to local BMs’/Bankers’ Club is paid by the Bank separately, depending onthe merits of each case to be decided by the CGM.

The Bank has recently has revised the club membership scheme for officers up to the grade SMGS-V with

terms and conditions detailed in e-Cir/121/2015-16.

CHAPTER - 10 :

SILVER JUBILEE AWARD

W.e.f. 16.03.2011: e-Cir/1057/2010-11

10.1 Silver Jubilee Award : On completion of 25 years of unblemished service, the Award in the form

memento/gift vouchers, the intrinsic value of which should not exceed the following limits, are presented tothe eligible officers.

Category of Staff Revised Ceiling (in Rs.)

Award Staff 7,500/-

Junior & Middle Management Grade Officers 10,000/-

Senior Management Grade Officers 15,000/-

DGMs/GMs/CGMs 20,000/-

DMDs/MDs/Chairman 25,000/-

However, if by omission, an eligible employee has not been given the award on the due date, he/she is now

eligible for revised amount of award.

(Deptt. Head/BM should take initiative & under no circumstances the employee should be asked to apply,make claim, purchase & produce receipt/quotation, etc.

10.2 Silver Jubilee Award : e-SBS, e-SBIND Emp. : The silver jubilee award is bestowed on the employeesin token of having completed 25 years unblemished service in the Bank. As such, this award can be given

only once in the entire service of the individual employee : e-Cir/111/2012-13.

10.3 Gift Cards : Silver Jubliee Award is presented to eligible employees in the form of a gold coin of the

above intrinsic value, or in the form of gift vouchers worth above of some prominent store with a wide rangeof choice of gift items. The choice of the item may be left to the employee. e-Cir/501/2009-10

The Bank recently decided that SBI Gift Cards can also be one of the options in the form of which the SilverJubliee Award can be presented to eligible employees.

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CHAPTER - 11 :

EXECUTIVE HEALTH CHECK-UP SCHEME

11.1 Executive Health Check-up Scheme (EHS) : e-Cir/1403/2013-14, 19/2001-2 & 37/1997-98

EHS, which is meant for the well being of officers, is intended to provide a compulsory annual check-up ofOfficers in MMGS-III and above. Salient features of EHS are :

i) Ceilings on Compulsory tests as detailed in the circular, - Rs.4,000/- for male, Rs. 4,200/- for femaleofficer : at Major A category centres. For other centres, the limit for Executive Health Check-up is fixedby the Circles within the above stipulated amount : e-Cir/1403/2013-14.

ii) If the Bank's Medical Officer/Consultant considers the necessity of any additional test during the healthcheck-up as a follow-up of the reports, the same may be carried out and paid for by the Bank as partof EHS, within Overall ceiling.

iii) Officers may be permitted to undergo health check-up under EHS at the place/centre convenient tohim/her even if such centre is located outside the jurisdiction of his/her Controlling ZO/Circle. However,no special Leave and also no travelling expenses shall be sanctioned for the purpose.

iv) Improvements : The four specialised tests detailed in e-Cir/1403/2013-14 have been included the

under the Scheme.

Bank’s Medical Officers shall arrange for the Health Check-up of all eligible officers and inform them abouttheir appointments. They would also discuss with the officers when the reports are received and givesuggestions/advice to them about their future health care.

CHAPTER - 12 :

LATE SITTING, WORKING ON SUNDAYS/HOLIDAYS

12.1 Working on Sundays / Holidays : 60/2004-05

i) When an officer is called for to work on Sunday/Holiday he/she will be reimbursed for conveyance,

out-of-pocket expenses / luncheon expenses to a reasonable extent.

ii) As regards compensatory off for working on Sunday/Holiday, please refer to Staff Cir. 33 of 2000-01 (detailed separately).

12.2 Monetary Compensation for Late Sitting at Branch/Offices :

In case an officer is required to be late, say beyond 8.00 p.m., he may be reimbursed out-of-pocket expensesnot exceeding Rs. 100/- per day.

60/2004-05

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CHAPTER - 13 :

STAFF ADVANCES/LOANS*

13.1 Car Loan Scheme : e.cir CDO/P&HRD-PM/66/07-08 & 53/08-09

Eligibility : All confirmed officers are eligible for car loan.

Quantum of loan : (JMGS - I to TEGSS - II) Rs. 7.00 Lac.

Margin : 10%.

Rate of Interest : 7% p.a. simple.

Repayment : 180 months (Principal in 132 month + Intt in 48 months)

• Next loan/Replacement after 5 years (after full liquidation of first loan with

interest only)

• An officer can avail loan for both a 2-wheeler & for a car within eligible loanlimit fixed for car.

13.2 Motor Cycle/Scooter Loan : e.Cir/CDO/P&HRD/IR/175/2007-08,

e-Cir/CDO/P&HRD/IR/68/2007-08, 106/2002-03, 29/1997-98

Eligibility : All officers-7-clerical -cadre employees, including those on probation will be eligible for loan forpurchase of a two-wheeler vehicle under staff conveyance loan scheme, irrespective of length of service :e-Cir/1168/2012-13.

Loan Amount : Maximum quantum of Loan for two-wheeler : e-Cir/1168/2012-13.

For Confirmed Officers : 90% of cost of two-wheeler without any ceiling.

For Officers not yet confirmed : 90% of cost of two-wheeler, subject to a ceiling of Rs.60,000/-.

For Clerical Staff with 3 years service : 90% of cost of two-wheeler with a ceiling of Rs.60,000/-.

For Clerical Staff with less than 3 years service (including those on probation) :

90% of cost of two-wheeler with a ceiling of Rs. 50,000/-.

Interest : 7.0% p.a. (Simple).

Repayment : 70 + 14 monthly instalments.

Miscellaneous : Loans sanctioned to staff under the PBU Auto Loan vide Circular No.NBG/PBU/AL-2WHEELER LOANS/14/2011-12 dated 21.7.2011 can be converted into staff Two-Wheeler loan at the optionof the employee. Repayment of the outstanding at the time of convesion will be considered for the remainingperiod permitted under staff loan scheme.

As the recruitment of staff is currently under way, there is a possibility that some of the newly recruited staff

have already purchased a two-wheeler from their own resources. As such, it has been decided as a one-time measure to reimburse the cost of a two-wheeler already owned by the employee provided it has beenpurchased on or after 1st November, 2012. All necessary formalities for reimbursement viz. production of

vehicle registration certificate, insurance, etc. in the name of the staff member will have to be complied with.

Note : One-time road tax payable also included in the total cost of the vehicle.

13.3 Loan for Repairs to Cars owned by Officers :106/2002-03 & 83/1988

Amount : 80% of the cost of repairs or Rs.10,000/-, whichever is less.

Interest : 8.5% p.a. (Simple).

* Staff Adv. : Individual Housing Loan Scheme, Conveyance Loan, Student Loan of e-SBS and e-SBIndEmployees : Clarifications : Detailed in e-Cir/779/2011-12.

The Bank has now extended the facility available to SBI employees to e-SBS and e-SBInd Employeeswith a view to keep parity among all the employees of State Bank of India.

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Repayment : The advance together with interest thereon is repayable in 36 monthly instalments.

Periodicity : Once in 5 years viz. a second loan can be availed after the expiry of 5 years from the previousloan.

Other Terms : Evidence of expenditure by way of cash memos/garage receipts are required to be producedwithin 6 weeks of availment of the loan.

Grant of loan for purchase of Car or Two-wheeler on the Terms and Conditions applicable to Public :- Maybe permitted (even though the conveyance loan at concessional rate of Interest is outstanding), subject tocondition that total deductions from salary including repayment of proposed loan do not exceed 60% of grossemoluments. No processing fee will be charged. 101/2003-04,112/2003/04

13.4 Scheme for Grant of Personal Loans :57/2004-05,89/2003-04,63/2002-03,20/2001-02

Purpose : For any bonafide need of officers as per the earlier scheme (vide Staff/CL/20 of 2001-02), whichis not speculative in nature.

Eligibility : 2 years of total service : e-Cir/879/2013-14.

Mode of Disbursement : Overdraft/OD + Max. 50% as DL

Quantum of Loan : e-Cir/879/2013-14 : (JMGS - I to SMGS V)Total Service Quantum of Loan

• 2 years and above but less than 5 years Rs. 2.50 Lac• 5 years and above but less than 10 years Rs. 7.00 Lac• 10 years and above Rs. 10.00 Lac

Rate of Interest: e-Cir./P&HRD/644/2007-08

i) 8% p.a. monthly compounded in case of O.D.ii) 8% p.a. simple in case of D.L.iii) If account remains overdrawn/irregular, penal interest at 2% over the applicable rate, on the irregularportion.Repayment : Demand loan, if availed (max 50% of loan) wil be recovered in 120 monthly instalments (100Instalments for Principal + 20 for interest component) : e-Cir/879/2013-14.Lien on the PF balance of theemployee will be noted. The unencumbered balance of P.F. (Bank's + member's contribution) should be

equal to or more than the Personal Loan limit as per last P.F. statement of the employee : e-Cir/879/2013-14.

Other Operational Guidelines relating to Personal Loan Scheme : e-Cir/879/2013-14 :

i) Employees who intend to avail of the Personal Loan for the revised limit may get the loansanctioned as a fresh case. The two components of Personal Loan, i.e., CA/Overdraft and/or DemandLoan, as required by the employee, may be mentioned separately in the Personal Loan application

appropriately and sanction recorded accordingly by the competent authority. Documentation will,however, be separate for CA/OD and D/L accounts.

ii) Employees may also retain the existing sanctioned OD limit and avail the enhanced componentin the existing overdraft account or in the form of Demand Loan, as per their convenience and repayingcapacity. In this case, a fresh application for Personal Loan (D/L component) may be submittedseparately for sanction by the competent authority.

ii i) The Demand Loan shall be recovered in monthly instalments spread over 120 months in the ratioof 5:1, i.e.,100 monthly instalments for principal and 20 monthly instalments for interest, commencingfrom the month following the month in which disbursement of D/L is made. After liquidation of DemandLoan, the employee can again avail the facility as per his/her eligibility. Within the overall eligibilityceiling, an employee can avail a maximum of two demand loan accounts at any given time.

iv) A lien on the PF balance of employee will continue to be noted. The unencumbered balance in

PF (both Bank’s and employee’s share) must be equal to or more than the Personal Loan limit as perthe latest PF statement of the employee.

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v) For calculating the unencumbered balance in PF account for noting lien on account of Personal

Loan, lien to the extent of Housing Loan and conveyance loan may not be reckoned as housing loans/conveyance loans are primarily secured by way of EM of the house/hypothecation of vehicles.

vi) In case of Overdraft, the interest applied monthly will be recovered from the salary every monthas at present.

vii) Total deductions should not exceed 60% of the gross monthly salary.

General Instructions:

i) The loan will be granted provided, total deductions from salary on account of repayment of loans andstatutory deductions like PF, Income-tax do not exceed 60% of the gross monthly salary. Deductiontowards savings such as insurance premium, RD Accounts, Savings of Welfare Fund of Society, Extradeduction towards PF etc. should be excluded for the purpose.

ii) Festival Advance is by way of salary advance and therefore instalment towards repayment thereofshould not be reckoned for computing 60%

deduction.

iii) In order to ensure bonafide end-use of the funds, the officer has to certify that the money would not beused for investment in share/equities, etc. for speculative purposes. It shall be open for the Bank to

insist on documentry proof evidencing the utilisation of the loan for the purpose declared in theapplication form.

iv) The loan will be sanctioned on the written undertaking of the officer that he/she will not avail any loanfrom outside sources, including Co-operative Credit Societies without written/sanction of the Bank.

v) With the transfer of the employee/officer, the loan account should be transferred to the Branchconcerned. In case of transfer to administrative office, the account shall be transferred to the branchlinked to that office for the purpose of salary payments.

vi) In case subsequent to availing Personal loan, loan from co-operative society/other sources isrequired, permission of the competent authority (vide para 5-C of Circular Letter No. 63/2002-03)should be obtained.

13.5 Festival Advance : e-Cir. 513/2008-09, e-Cir./CDO/P&HRD/IR/77/2008-09,

54/2005-06, 89/2003-04, 53/1995-96

Eligibility: All Officers.

Periodicity: Once in a calendar year.

Occasion: Any Festival of the Officer’s choice.

Quantum: 1 month’s gross salary (all emoluments payable for leave enlargement whole availing LFC/HTC)by way of clean Demand Loan. Monetary ceiling on the amount of loan has been withdrawn; however, theamount of advance will be kept up to completed thousands of rupees (rounded down).

e-Cir./P&HRD/IR/77/2008-09, 47/2000-01

Interest: Nil.

Disbursement : Not before one month from the date of the festival (but prior to the date of the festival).

Recovery : 10 equal monthly instalments, beginning from the salary paid in the month following that in whichthe festival falls.

Next Advance : After full repayment of the previous advance as per the original repayment schedule(accelerated repayment not allowed). Further, even if the deductions exceed the limit of 60% of gross salary,festival advance may be sanctioned. CDO/P&HRD/IR/84/2007-08

13.6 Individual Housing Loan Scheme (IHLS) : e-Cir/793/2014-15' 8/2001-2 & 25/1997-98

Revised Scheme (2014) : Detailed separately.

Repayment : In case of employees above 50 years of age availing HL, repayment is permissible up to theage of 75 years. e-cir CDO/P&HRD-IR/59/2008-09

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Repayment of outside borrowings by availing the difference amount of loan availed previously and the revised

limit is permitted.

The difference amount of loan availed previously and the revised limit may also be availed for repairs/renovation and alteration. 101/2002-03

Individual Housing Loan can be granted to staff even if the house/flat/apartment is in the name of spouseonly, subject to fulfilment of additional terms and conditions. e-Cir. 64/2007-08, 99 of 2005-06

Sanction of Housing Loan After Attaining 55 Years Age: The Bank has recently modified the relative termsof the Scheme and has done away with the stipulation of maximum age of the employees (55 years) to enablethem to avail the benefit of revised housing loan scheme before their retirment, subject to the conditionsdetailed in e-Cir/242/2009-10.

Individual Housing Loan Before Retirement : e-Cir/1247/2012-13 :

a) Even if employee is not able to acquire/complete construction of house before his retirement, housingloan under IHLs can be sanctioned, provided the employee gives cash collateral equivalent to the loan

sanctioned, till equitable mortgage on the property is created in favour of the Bank.

b) A maximum period of 6 months from the date of retirement may be allowed for commencing ofrepayment in deserving cases by the sanctioning authority in case of delay in completion of the project.

However, in those cases which are cash collateralized due to delay in completion, a moratorium periodup to 18 months from the date of retirement may be allowed, depending on the likely completion of theproject.

c) Repayment after retirement up to 75 years of age, subject to the maximum tenure of loan being 20 years.Conversion of Personal Loan : Conversion of outstanding in the Personal Loan raised by way of overdraftup to the shortfall mentioned in the housing loan application may be permitted to be converted into individualhousing loan account, subject to the following conditions: e-Cir/137/2009-10

a) The amount should have been withdrawn/disbursed during the period of construction/ purchase ofhousing project.

b) The maximum permissible limit for such conversion (within the overall eligibility) is limited to theshortfall mentioned in the housing loan application or the minimum debit balance in the overdraftaccount (personal loan) from the date of completion of project till the date of conversion, whichever islower.

Any loan availed of from approved sources not advised in the original loan application or raised subsequentto completion of construction/purchase of the house/flat with the Bank's loan does not quality for the facilityor for the purpose of fulfilment of other terms and conditions in this regard.

13.7 Additional Housing Loan : PER/No.110/1983

Eligibility : After a lapse of minimum period of 5 years from the date of sanction of Original Loan for acquiringbigger accommodation/house/flat, or for additional construction to the existing house. The additionalaccommodation should be bigger at least by 120 Sq. ft. and one more room. The additional loan is alsogranted under the Individual Housing Loan Scheme and is available only once during the entire service.

Staff Housing Loans : Additional H.L. : Additional housing loan to employees for acquiring bigger/betterhouse/flat by selling or by carrying out additional construction to the existing house/flat to meet the need forincreased accommodation due to present family requirements/status, is available after 5 years from the

date of sanction of original loan, subject to permission accorded by Competent Authority : e-Cir/326/2013-14.

The Chief General Manager of the Circle (where the existing housing loan account is maintained) now hasthe powers to grant administrative clearance for disposal of existing flat/house and availment of additionalhousing loan for new flat/house, on merits of each case, even before 5 years from the date of sanction of

existing housing loan.

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Amount : Difference between the present maximum entitlement minus loan already availed or Cost of

extension/excess of purchase price over sale price, whichever is the least.Repayment : Repayable in not more than 240 equal monthly installments together with interest thereon. Theprincipal is recovered first in 180 equal monthly instalments and interest accrued on the principal in a periodof 60 months.

Additional Housing Loan (HL) at Commercial Rate: 83/2005-06

Additional Housing Loans are granted to officers at commercial rate of interest in order to enable them tomeet the shortfall in construction/purchase of the house/flat, will be determined by the cost of project andthe condition that the total deduction on account of all borrowing from Bank and other sources do not exceed60% of gross emoluments

Interest rates on these loans are now linked to Base Rate (instead of SBAR).

Housing Loan to Staff on Commercial Terms :

Option to Existing Borrowers to Switch Over to Current Interest Rate Structure :

The Bank recently extended the facility of switchover to members of staff having housing loan, to currentinterest rates by upfront payment of one-time switch-over fee of Rs. 500/- plus applicable service-tax on

the outstanding. This facility will be available up to 31.03.2013. Thereafter, the switch-over fee will becharged at 0.10% plus applicable service-tax on the outstanding. The other terms and conditions in thisregard will be applicable as in case of public : e-Cir.865/ 2012-13.2nd HL under Bank’s HL Scheme at Commercial Rate:

a) Loan may be extended to the employee even if the employee/spouse of the employee already ownsa house and the employee has not availed of any loan under our staff housing loan scheme.

b) Confirmed employees who have put in five years of total service (including probationary period but nottemporary service) would only be eligible for the loan.

c) Total deductions from salary on account of all borrowings from the Bank as well as other sources,Provident Fund, Income Tax, etc. including deductions for the proposed loan, should not exceed 60%of the gross emoluments. A loan will not be granted if the take-home pay of the employee after takinginto account the repayments under this loan too falls below 40% of gross emoluments.

d) The loan would be sanctioned as per discretionary powers fixed by the Circles for sanction of housingloans under Personal Banking Advances for public.

e) All other terms and conditions of the Housing Loan Scheme as applicable for public viz. margin,quantum of loan, repayment norms. rate of interest, etc. would be applicable for these loans also.

f) In addition, a lien on PF would also be noted.

g) Take over of a housing loan availed of (prior to July 1998) with Bank’s permission by an eligibleemployee from another financial institution is also considered, subject to some terms and conditions.

h) The Scheme also covers renovations/alterations and extensions to the existing house/flat.

i) The stipulation that the loan raised under the IHL should be closed, has been removed. 59/2003-04

j) Such loan may also be availed by the employee with his/her family members (spouse, son etc). Incomeof the family member may be taken into account to workout entitlement for amount of loan. The familymember will be co-borrower and share the repayment instalment in the same ratio. 99/2005-06

HL at Commercial Rate for Renovations/Extensions : 23/2000-01

It has been decided to do away with this time gap of ten years altogether and also dispense with the stipulationof maximum amount of loan that could be availed for the purpose of extension/renovation. Subject to fulfillmentof other terms and conditions, a loan for the purpose of renovation/extension can now be availed by a memberof staff any time after availing a housing loan and for an amount as stipulated in the Housing Finance Schemefor member of public, provided his/her take-home pay does not fall below 40% of the gross emoluments after

taking into account the repayments under the proposed loan.

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IInd Additional Housing Loan :

The Bank recently decided that the amount of difference between the housing loan, including additionalhousing loan already availed, and revised entitlement may be allowed to the employees by way of 2ndadditional housing loan under individual housing loan scheme for repair/renovation/alteration and to carry

out additional construction in their existing houses, subject to fulfillment of among others the conditionsdetailed in e-Cir/666/2008-09.

ii) All terms and conditions of the HL Scheme as applicable to public, viz. margin, quantum of loan,

repayment norms, rate of interest, security, etc. but no processing fee.

iii) Where income of the spouse is also taken into consideration for the purpose of working out amount

of loan, as permitted under the loan scheme for public, check-off from the employer of the spouse maybe accepted, provided the employer is a reputed one.

iv) The loan will run concurrently with existing housing loans, if any. The loan would normally be requiredto be repaid before superannuation of the empoyee. In exceptional circumstances, where therepayment is required to be extended beyond the date of superannuation, the GM of the respectiveNetwork will be required to accord necessary permission.

v) Total deductions: Same as mentioned in (viii) (C) above.

Note : Interest on Conveyance/Housing Loans is calculated on monthly products. For the month in whichthe loan is disbursed/ liquidated, interest is calculated and applied on the basis of daily products.16/1989

IHLs : Group Insurance :

The Bank obtained on 15.06.2015 a Group Term Policy from SBI Life Insurance Co. Ltd., covering outstandingin home loan accounts of employees opened under Individual Housing Loan Scheme (IHLS) on or after01.10.2014 : e-Cir/992/2015-16.

The annual premium on the policy is being paid by the Bank.

13.8 Staff : Miscellaneous : Computer Loan Scheme : Restored : e-Cir/1097/2013-14, 62/2007-08

(The Scheme was discontinued vide e-Cir/879/2013-14. It has been restored ) Vide e-Cir/1097/2013-14.

1. Eligibility All permanent employees with 2 years of service including probation period.2. Type of facility Demand Loan.3. Amount of Loan Up to a maximum of Rs. 40,000/-.4. Repayment In 36 to 60 equated monthly instalments.5. Security Personal Security.

6. Rate of Interest @ 8% p.a. (simple)7. Deduction Total deductions, including the EMI of this loan, should not exceed 60% of

gross salary.8. Sanctioning Branch Manager/Head of the Department/RACPC, wherever Established.

Authority9. Margin Nil.

The Bank has recently restored the Computer Loan Scheme to enable the staff members to buy desktop/

laptop/I-Pad/Tablet with other computer peripherals like UPS, printer, modem etc. as required by them. Thenew Computer Loan is sanctioned to eligible employees on the same terms and conditions as stipulatedearlier except rate of interest which is charged at 8% (simple) instead of 5% p.a. (simple) charged earlier :

e-Cir/1097/2013-14.

13.9 Provident Fund Loans :

(a) Against Own Contribution :

Purpose : Prolonged illness, to meet ordinary expenses like marriages, funerals or other ceremonies

Quantum : 3 months’ basic salary or half the amount of member’s own contribution and interest thereon,whichever is less.

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Recovery : 24 monthly instalments.

In special cases, quantum: 50% of member's own contribution; recovery: in 36 monthly instalments.

(b) Against Bank’s Contribution (Demand Loan) :

Purpose : For meeting the margin money required for housing loan or to meet the cost of the project overand above the quantum of housing loan available from the Bank. Can be granted second time when memberavails housing loan for the second time. 71/1992-93

Amount : 6 months’ basic pay or employee’s investment in the housing project over and above the Bankfinance, whichever is less, after exhausting the withdrawal facility against own contribution.Recovery : Not exceeding 100 months (increased from the earlier 60 months).

e-cir CDO/P&HRD-PM/69/2008-09

Interest : Same rate as payable on P.F. balance.

(c) Withdrawals from Provident Fund :

Eligibility : The member should have completed 25 years of service or have attained 50 years of age (except

where withdrawal is availed for the purpose of housing under Individual Housing Loan Scheme): only onceduring entire service.

Purpose : For building or acquiring a house, higher education of children, marriage of daughter/son.

Quantum : Half the amount of member’s own contribution with interest thereon or the amount provided forin the Housing Loan application, whichever is less; for housing; 3 months’ basic pay or 50% of own

contribution (plus interest), whichever is less; in case of higher education of children: 3 months’ basic payor 50% of own contribution (plus interest), whichever is less; in case of son’s marriage (in special cases,6 months’ basic pay); 6 months’ basic pay or 50% of own contribution, whichever is less; in case of daughter’smarriage (in special cases, 10 months’ basic pay).

13.10 Staff Adv. : Deceased Employees:

Interest on loan accounts of a deceased employee may be waived for the period from the date of death of

the employee to date of closure of loan accounts, subject to the conditions detailed in e-Cir/683/2008-09.

13.11 Education Loans to Wards of SBI Staff:

As an incentive to pursue higher educationa by the wards of our employees, the Bank has lowered the rateof interest on Student Loans as well as on SBI Scholar Loans to their wards in the existing as well as thenew loans at 8% p.a. with effect from 01-07-2009.

Moreover, interest rate concession of 0.50% offered to girl students in terms of the direction of the Ministryof Finance, Govt. of India will continue to be available as hitherto.

However, the incentive of 1% reduction in rates for regular servicing of interest during the moratorium peirodas available hitherto will not be available to wards of staff w.e.f. 01-07-2009 due to reduction in ratessignificantly. e-Cir/174/2009-10

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INDIVIDUAL HOUSING LOAN SCHEME (I.H.L.S.) FOR OFFICERS/EMPLOYEES :REVISION IN SCHEME (2014)

We reproduce hereunder the text of Corporate Centre e-Circular No.CDO/P&HRD-IR/49/2014-15 (e-Cir./793/2014-15).

(Recent Clarifications : Furnished in e-Cir/1220/2014-15 : Detailed Separately.)

Please refer to our e-Circular No.CDO/P&HRD IR/64/2007–08 vide which the Individual Housing LoanScheme for employees in the Bank was last revised.

2. The loan limits that were fixed about 6 years ago have lost their relevance due to increase in prices ofland and construction materials. Property rates have gone up substantially. Our employees/officers haveto resort to borrowing on commercial rates to complete housing projects or to acquire ready build up flats/houses.

3. With a view to addressing the hardships faced by our employees, the Executive Committee of CentralBoard (ECCB) of the Bank in its meeting approved improvement in the Individual Housing Loan Scheme

for employees in the Bank, as under :

Earlier Revised

i. Limit : Limit :

Sub Staff : Rs. 8.00 lac Sub Staff : Rs.30.00 lacClerical : Rs.12.00 lac Clerical : Rs.45.00 lac

Officers : Rs.20.00 lac Officers upto SMGS V: Rs.60.00 lacOfficers TEGS VI & above : Rs,80.00 lac.

(Maximum eligibility, subject to Maximum eligibility: No changemaximum permissible deductions i.e.60% of gross salary)

ii. Rate of Interest : Rate of Interest: (for new a/cs)

6% (simple) irrespective of amount. Limit upto Rs.40 lac : 6.75% p.a. (simple) Limit aboveRs.40 lac : 8.00% p.a. (simple)(The Board may review the rate of interestas and whennecessary)

ii i Ancestral property : Ancestral property :Loan for repair/ renovation/alteration of Loan for repair/ renovation/alterationof the house/ flat

the house/ flatacquired without bank’s acquired withoutbank’s finance.finance:

Sub staff : 50 times of BP + spl pay or Sub staff : Rs.12.00 lacRs.4 lac, whichever is less.

Clerical : 50 times of BP + spl pay or Clerical : Rs.18.00 lacRs.6 lac, whichever is less.

Officers : 50 times of BP or Rs.10lac, Officers : Rs.30.00 lacwhichever is less.

(Maximum eligibility, subject to maximum Maximum eligibility: No changepermissible deductions i.e.60% ofgross salary)

v. Repayment period : 360 months (including max.moratorium period of240 months (168 months principal + 24 months) ;Tenure for repayment in the ratio of72 months for interest) principal: interest = 2:1

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vii. Repayment after retirement (on Repayment after retirement

superannuation only)

Upto 75 years –those joined the bank Upto 75 years of age, irrespective of date of joining,on or before 01.01.1991. subject to adequate and verifiable cash flows for

repayment of the loan to the satisfaction of sanctioningauthority.

Joined after 01.01.1991 - Entire To be reviewed at the time of retirement, wherever

outstanding is recovered at the time necessary to ensure adequate repayment capacity asof retirement. done hitherto.

viii. Housing loan on commercial terms : Housing loan on commercial terms

Rate of interest : Rate of interest (irrespective of loan amount) :

Up to Rs.30 lac – At par with Base 25 bps less than public housing loan rate but not below

rate. Base Rate.

Above Rs.30 lac – 0.25% below rateapplicable to public but not belowBase Rate.

ix. Sanctioning authority : Sanctioning authority :

For IHLs – Officer not below the rank For loan under IHLs and HL on commercial/publicof Regional Manager/AGM of the terms Officer not below the rank of Regional Manager/Branch/AGM (COO). AGM (COO)/AGM of the Branch (Same authority willFor HL on commercial terms to staff – sanction both the loans as a combinedproposal).designated officer of RACPC,wherever located.

4. In this connection, we are considering the possibility of covering all the new Staff Housing Loan

accounts with a group insurance policy as an added welfare measure to all employees : since done(detailed separately).

5. The benefit of revised housing loan scheme will be applicable to all eligible employees who are onrolls of the Bank as on 19.09.2014, i.e., the date of approval of ECCB.

6. Further, it has been decided that conversion of existing commercial housing Loan/enhancement ofhousing loan under IHLs to liquidate existing loan from verifiable sources of serving employees under

IHLs will be allowed to the extent of difference between the current maximum loan entitlement of theemployee and amount of existing loan sanctioned initially, including additional loan, if any. Further,an employee, on his promotion from one grade to higher grade/scale may be permitted to avail ofhousing loan upto his entitlement of the grade/scale to which he is promoted for repayment of loanstaken on commercial/public terms or outside borrowings from verifiable sources.

Other Operational Guidelines :

(i) The revised ceiling and interest rates will be effective immediately to all new loans under IHLSsanctioned/disbursed on or after the date of this circular. Repayment for the new loans under IHLSwill be fixed in the ratio of P:I=2:1 (224 monthly installments for principal and 112 monthlyinstallments for the interest, by allowing normal maximum moratorium of 24 months). Necessarychanges on this account may be made in the loan documentation. However, in case of existingloans, the original repayment schedule (i.e. 168 installments for principal and 72 installments

for the interest in the ratio of 7:3) will continue.

(ii) After liquidation of principal within the stipulated period, the interest portion should be recoveredin residual period of loan tenor and deductions should be effected accordingly. All branchesshould invariably ensure that all existing as well as new accounts are reviewed at the time ofliquidation of principal amount and recover the installment towards interest correctly, so thatentire outstanding is recovered within stipulated time.

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(iii) Due to steep rise in the cost of real estate/construction material and owing to inadequacy of the

pre revised limits of loan under IHLS, a number of employees have raised additional housingloan from the Bank at commercial rates. Such staff members on their making a formal requestmay be permitted to avail of the housing loan upto their revised entitlement for repaying suchoutstanding housing loan on commercial rate on the following terms and conditions:

a. Such employees may submit their application on the specified format enclosed to e circularNo. CDO/P&HRD/IR/50/2008-14309.

b. The additional housing loan at commercial rate of interest should have been raised to meetpart cost of the housing project as initially advised to the Bank in the housing loan application.

c. This facility is not meant for taking up additional construction etc. by revising the cost of theproject.

d. This facility is available only as a one time measure and has to be availed of before 30th

June 2015. The facility will stand withdrawn on expiry of this date.

e. The amount of additional housing loan for repaying loan at commercial rate will be to theextent of its outstanding amount subject to the ceiling of revised housing loan limit underIHLS after ensuring a margin of 10% for the entire original project cost.

f. Repayment of additional housing loan will be fixed (P:I=7.:3) over the residual tenure so asto ensure that its liquidation coincides with liquidation of the main IHL.

7. All other existing terms and conditions for Housing Loan/Additional Housing Loan under the IndividualHousing Loan Scheme (IHLS) for employees, including margin, minimum length of service, thestipulation that total deductions should not exceed 60% of the gross monthly salary etc. will remainunchanged.

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INDIVIDUAL HOUSING LOAN SCHEMEFOR OFFICERS/EMPLOYEES :

RECENT CLARIFICATIONS

Ref. : e-Cir/1220/2014-15.

• Eligibility of Number of Houses :

i) Employees are eligible to acquire maximum of two houses in their entire career in the Bank byavailing loan under IHLs.

ii) If both husband and wife are working in the Bank, they will be eligible for maximum two housesas a family under the Scheme. In other words, they will not be eligible for 3 or 4 houses singlyor jointly under the Scheme. In such case, only the loan eligibility may go up by clubbing ofindividual eligibility of both employees working in the Bank.

iii) Employees already acquired/in possession of/owning two houses, can be eligible for housingloan to acquire another house, by disposal of one of the existing houses even if earlier housingloan is liquidated after obtaining necessary permission from appropriate authority.

In other words, an employee should not be owner/owning more than two houses at a given pointof time either singly or jointly, to avail housing loan under IHLs.

• Rate of Interest : Rate of interest should be charged depending on the new limit sanctioned on or after01. 10.2014 and not by clubbing of limit sanctioned earlier for the purpose of rate of interest. The limitsanctioned earlier should be ignored for the limited purpose of determining rate of interest.

i) Limit up to Rs.40 Lac - 6.75% p.a. (simple)

ii) Limit above Rs.40 Lac - 8% p.a. (simple).

(In case of fresh limit sanctioned for more than Rs.40 Lac, the rate of interest will be calculated by thesystem at the rate of 6.75% p.a. up to limit of Rs.40 Lac, and 8% p.a. for above Rs.40 Lac)•Housing Loan Sanctioned earlier before revised guidelines were issued but not disbursed : Thehousing loan may be sanctioned as per revised Scheme and disbursed accordingly, if the

documentation is not done. In case documentation is already executed, a letter containing revisedterms and conditions may be exchanged with the borrower employee.

• Effect of conversion of commercial housing loan sanctioned, but not disbursed or partly disbursed :

In case documents have already been executed, conversion may be allowed for the limit sanctionedunder IHLs,

In case document is yet to be executed, fresh application may be submitted for sanction of additionalhousing loan under IHLs.

In case of partly disbursed account, conversion may be allowed up to the limit sanctioned/outstandingsunder commercial terms. In case of Maxgain account, amount up to drawing power of the account maybe converted to IHLs.

• Inclusion of family members other than spouse in the project, or inclusion of their income forarriving at loan eligibility :

As per extant instructions of IHL, the house proposed to be purchased/constructed should be in thename of employee or in joint names of the employee and his/her spouse only. Housing loan underIHLs can also be sanctioned even if the property is in the name of spouse only. Income of others/familymembers should not be clubbed to arrive at loan eligibility/deduction under IHLs. However, incomeof working spouse in the Bank may be clubbed for the purpose.

• Repayment period of converted housing loan on commercial terms : Repayment of housing loantaken on commercial terms on conversion to additional housing loan under IHLs will be fixed (P:I=7:3)

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over the residual tenure of original IHLs so as to ensure that its liquidation coincides with liquidation

of the original IHL.

• Vigilance/DPD clearance and separate administrative clearance/search report for conversionhousing laon :

No fresh DPD/Vigilance clearance/administrative clearance/search report should be insisted uponfor conversion.

• Repayment of loan up to 75 years of age :

The provision of repayment up to 75 years of age is applicable only in cases of normal retirementon superannuation and not applicable in case of resignation/voluntary retirement, etc.

Repayment period in case of conversion of commercial housing loan to IHLs in respect of employeeswho joined the Bank on or after 01.01.1991 : It can now be extended up to the age of 75 years at the timeof conversion : e-Cir/525/2015-16.

• Fresh letter of authority addressed to Trustees of PF in case of conversion :

No separate letter of authority addressed to Trustees of PF need to be obtained in case of conversionof housing loan on commercial terms.

• Cost escalation in current project :

Revised estimates should not be accepted for project under construction to sanction additionalhousing loan.

• Gap between acquiring two houses :

There is no time gap stipulated between acquiring first and second houses. An employee may availhousing loan up to his eligibility for acquiring one or two houses at a time/any time.

• Acquire 3rd House by availing housing loan on public terms :

There is no bar to acquire 3rd house by an employee on public terms. However, RBI guidelines onCRE exposure should be referred to.

• IHLs : Financing of More than Two Houses :

The Bank has recently permitted housing loan under IHLs to staff even for more than two houses/flats

without any restriction as to ownership (including ancestral house, if any) but within the overallentitlement of an employee and depending on the overall repayment capacity of the employee, as wellas spouse, if employed in the Bank : e-Cir/49/2015-16.

Other terms and conditions detailed in e-Cir/49/2015-16.

• Surrender of under-construction house to builder to acquire a bigger house :

In such cases, fresh housing loan may be sanctioned to the employee with revised norms, and earlierloan may be liquidated by transfer of funds from the new loan account, subject to all incidental costsborne by the employee.

• RBI guidelines on Stamp duty and Registration charges :

In terms of RBI guidelines, value mentioned in agreement to sale plus one-time cost of additionalamenities and other cost related to the property, which are permanent in nature and add up to the

realizable value of the security/property (viz. Township Corpus Fund, One-time maintenance fund/deposit/corpus, Development charges, Electrical fittings, one-time Generator Charges, Club Housemembership charges, Electricity/Water/Sewerage Board one-time charges/deposits, VAT & ServiceTax, etc), will be included in the value of the property for arriving at the loan eligibility. However, Stampduty, Registration Charges and other documentation charges, which are not realizable in nature, willnot be included in the value of the property/agreement to sale for arriving at the loan eligibility.

In case of IHLs also, above guidelines issued by RBI should be followed henceforth.

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2. Further, following issues have been examined afresh, and it has been decided to follow the revised

guidelines as mentioned against each item.

i) As per provision of the Scheme, loan can be availed for acquisition of a site or a plot of land andconstruction of a house or flat or apartment thereon.

However, no sub-limit was prescribed for purchase of land within the overall ceiling under IHLs.

Revised guidelines : An employee may submit application for housing loan, which includes purchase

a plot of land up to 90% of cost of land or 50% of eligible ceiling, whichever is less. The employee shouldsubmit necessary documents for construction of house thereon with approved plan and estimateswithin a reasonable period immediately after purchase of land, so that construction can be completedwithin maximum moratorium period of 24 months.

ii) In terms of extant instructions, as contained in sub-para 5, page No. 30 of HR Handbook Volume-III“When an ‘ employee wishes to purchase a bigger house or a house in a better location by disposing

of the existing one, he should liquidate the outstanding in existing loan amount along with up-to-dateinterest. In such an event, the maximum additional loan amounts would be increased to the extentof outstanding amount repaid and the recovery for this part of the loan together with interest, if any,would be in the same manner as it would have been under the old loan.

Revised guidelines : The earlier stipulation issued in the manual days of accounting cannot beoperationalized now. Accordingly, revised provision would be as under :

When an employee wishes to purchase a bigger house or a house in a better location by disposingof the existing one, he should liquidate the outstanding in existing loan amount along with up-to-dateinterest. In such an event, the maximum additional loan amounts would be increased to the extentof outstanding amount repaid and will be treated as principal, and recovery will be effected accordingto the terms of new loan.

• It should be ensured that the correct PF number and date of birth of the employees are incorporatedat CIF level in CBS before opening of housing loan accounts of employees under IHLs.

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CHAPTER - 14 :

STAFF WELFARE ACTIVITIES

14.1 Educational Scholarships : w.e.f. Academic Year 2012-13 :

e.Cir/1231/2012-13

Revised Rates(Rs. p.a.)

For 4th and 5th Standards 1000For 6th, 7th and 8th Standards 2000For 9th and 10th Standards 3000For 11th and 12th Standards 4000At Graduate level for ordinary courses - B.A., 5000

B.Com., B.Sc., L.L.B. and other courseswhere Bachelor’s degree is awarded

At Post-Graduate level - M.A., M.Com., M.Sc., etc. 7500

At Graduate/Post-Graduate level for Professional

Courses in Medicine, Engineering, ManagementStudies, etc. 10000

An additional sum of Rs.200/- p.m. is payable to each child who is blind/deaf/dumb/mentally retarded, inaddition to the scholarship payable to him/her with a view to compensating partially the additional expensesto be incurred on schooling of such child on items such as special education aids, transportation, admissionto specialised schools, etc. e-Cir/CDO/P&HRD/IR/83/2008-09

Reimbursement of Tuition fees and Admission fees : It is permitted to eligible children of workmen staff andJMGS I officers drawing basic pay up to the prescribed basic pay (including 7 stagnation increments) andon production of receipts. This amount has been revised to Rs. 2,500/- p.a. per child from the academic year

2012-13.

Abolition of Separate Rates for Boarders : e-Cir/544/2008-09

There will be no separate rates of scholarship for new boarders admitted from the next academic session2009-10 onwards.In other words, all the new boarder students shall be paid scholarship at the same rate fixed for day scholarsfrom the academic year 2009-10. However, the existing boarders, who are in receipt of scholarship at earlierrates up to current academic year at higher rates, shall be paid at the same rate till they complete the currentcourse.

For Semester courses, clarifications given in Circular No. 73/2005-06.

Award of Scholarships : Through HRMS Portal : The Bank has recently brought the activity of submission ofapplication by individual employee and award of scholarship under Staff Welfare Activities through HRMSplatform for better utilization of manpower : e-Cir/367/2015-16.

The revised guidelines in respect of application for scholarship and payment thereof for information/implementation of all concerned from current year (2015-16) onwards are detailed in e-Cir/367/2015-16.

INCENTIVE SCHEME FOR MERITORIOUS CHILDREN OF STAFF

Professional Courses at elite Institutes in India : Extant Instructions : Reiterated : e-Cir/401/2015-16.

Wards of our employees pursuing courses in other than approved campus(es) of selected colleges/

institutions are not eligible for incentive under the Scheme.

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CHAPTER - 15 :

MEDICAL AID

15.1 Reimbursement of Medical Expenses : SBIOSR

Expenses actually incurred in respect of injury, disease or illness, including hospitalisation expenses, at thescales prescribed from time to time:

Self : 100%

Family members : 75%

Systems of Medicine : Allopathic, Ayurvedic, Homoeopathic,

Unani & Naturopathy

Reimbursement of Medical Expenses up to 95% :

a) Diseases other than "Serious diseases" :

- Expenses incurred upto Rs. 1 Lakh : 75%

- Expenses incurred over Rs. 1 Lakh : 95%

b) In case of "serious diseases":

- Expenses incurred upto Rs. 50,000/- : 75%

- Expenses incurred above Rs. 50,000/-

and upto Rs. 1 Lakh : 85%

- Expenses incurred above Rs. 1 Lakh : 95%

46/2002-03

Revised format for submitting recommendations for reimbursement of medical expenses to the eligibleofficers at higher rate is given in Circular Letter No. CirDO/P&HRD/92 of 2002-2003. 92/2002-03

Scrutiny of Medical Bills & References to Diagnostic Centres:

69/2002-03 & 57/1996-97

Our Bank has established Dispensaries as also made tie-up arrangements with Diagnostic Clinics/Centres(DCs) for benefit of employees and their eligible family members at many centres. The Bank’s Dispensaries(BDs) are manned by our part-time doctors or doctors on contract basis. The procedure for scrutiny of medicalbills and references to DCs is as under:

At centres where we have BDs manned by Bank’s Medical Officers (BMOs) part-time or full time:- BMOsat BDs can scrutinise medical bills as also refer cases to DCs under tie-up arrangements.

At centres where we have more than one BD which are manned by BMO(s) as also doctors on contractbasis:- Medical bills may be scrutinised by the BMOs only. BMOs as also the doctors on contract basis mayrefer cases to DCs.

At Centres where we have BDs which are manned by doctors on contract basis only:- Scrutiny of medicalbills up to Rs.5,000/- only be made by doctors on contract basis. Bills above Rs.5,000/- may be sent to ZO/RO for scrutiny by BMO. References to DCs may be made by doctors on contract basis at such centres.

At centres where we do not have BDs but we have tie-up arrangements with DCs:- Bank’s AuthorisedDoctors (BADs) can scrutinise Medical Bills up to Rs.5,000/- only. They can also refer cases to DCs. Billsabove Rs.5,000/- may be sent to ZO/RO for scrutiny by BMO.

All other centres where we have no BDs nor any tie-up arrangements with DC:- BADs will scrutinise thebills up to Rs.5,000/- only. The bills above Rs.5,000/- may be sent to ZO/RO for scrutiny by BMO. At suchcentres, the question of referring the cases to DCs would not arise.

i) Reimbursement of expenses for treatment of insanity/psychiatric disorder beyond three months nowpermissible in respect of eligible family members.

(ii) Reimbursement of ambulance charges, taxi/auto rickshaw charges incurred for removing the patient[Officer or his eligible family member] from residence to Hospital/nursing home or from one hospital toanother hospital or from hospital to residence on discharge, now admissible.58/2002-03

Expenses for treatment of High myopia by Keratotomy, LASIK LASER & EXCIMER LASER reimbursable upto the prescribed maximum. Rs. 15000/- to 16000/-. 121/2002-03

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ANGIOPLASTY/ANGIOGRAPHY : USE OF MEDICATED STENT :

Reimbursement of cost of medicated cypher stent may be considered on case to case basis with the approval

of the Corporate Centre. 55/2003-2004

Guest House for Employee Patients and their Families at Mumbai :-

3B, Nestle Appartment, Bombay Dyeing Complex,

Near Deepak Talkies, Lower Parel, Mumbai

Phone: 022-24375721

(No direct request for reservation would be entertained. Application should be recommended by theDGM. For details, please refer to Staff Circular O/No. 32 of 1996-97).

Definition of Family :

• For the purpose of medical facilities and for the purpose of leave fare concession, the expression ‘family’of an officer shall mean an officer’s spouse, wholly dependent unmarried children (including stepchildren and legally adopted children), physically and mentally challenged brother/sister with 40% ormore disability, as also parents ordinarily residing with and wholly dependent on the officer. Thedependents also include widowed daughters and dependent divorced/separated daughters, sisters,including unmarried/divorced/abandoned or separated from husband/widowed sisters.

• “Family” means the officer’s wife or husband and eligible parents and children, provided that wherethe officer’s spouse is also employed elsewhere and is eligible for reimbursement of medicalexpenses from that employer, the officer’s claim will be reduced to the extent of his/her spouse’s

entitlement under his/her employer’s rules : SBIOSR.

• The term wholly dependent child/parent, wholly dependent physically and mentally challenged brother/sister shall mean such member of the family having a monthly income not exceeding Rs.10,000/- p.m.

• Married children shall not be eligible but widowed daughters shall be eligible provided they are whollydependent on and reside with the officer : SBIOSR.

If the income of one of the parents exceeds Rs.10,000/- p.m. or the aggregate income of both the parentsexceeds Rs.10,000/- p.m., both the parents shall not be considered as wholly dependent on the officer.

• Lady Officers : Recent Clarifications regarding dependent parents : Detailed in e-Cir/1023/2010-11.

A married female employee may include her natural parents or parents-in-law under the definition offamily, but not both, provided that the parents/parents-in-law are wholly dependent on her.

For the purpose of medical expenses reimbursement scheme, for all employees, any two of thedependent parents/parents-in-law shall be covered.

REVIEW OF MEDICAL REIMBURSEMENT SCHEMEe-Cir/32/2011-12

The CHRC has made the following improvements in the scheme: During 2011-12 :

i) In respect of treatment taken in empanelled hospitals under post-treatment payment facility, backed

by a credit letter issued as per the officer’s entitlement, the expenses incurred thereof shall be fully

reimbursed ( i.e. 100%) for self and 75% for the family.

ii) The standardization of medical charges will continue, as hitherto, and shall be applicable in respect

of treatment taken at hospitals/Nursing Homes/Clinics, etc., which are not empanelled with the Bank.

iii) The Standardized rates will be reviewed by each Circle every two years. The Bank’s Medical Officer

shall be responsible and accountable as well to verify such charges while scrutinizing bills, with the

schedule of charges, duly approved.

iv) All cases of medical implants for self treatment as well as that of the family shall continue to be referred

to Corporate Centre, as hitherto, for prior administrative approval / sanction.

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v) The existing system of reimbursement of 75% of the expenses incurred in respect of the treatmentof the family shall continue, as hitherto.

vi) The existing system / mechanism of additional reimbursement up to 95% of medical expensesincurred on treatment exceeding Rs. 1 lakh (calculated on a slab basis), on case to case basis, and

by relating it to the Assets & Liabilities position / status of the officer shall also continue as hitherto.

vii) Consultation charges incurred by the official in an empanelled hospital shall be reimbursed in full.

Other than an empanelled hospital, such reimbursement of charges shall be within a maximum limit

/ a ceiling to be fixed by each Circle while determining the standardized rates of Medical treatment after

taking into account the local conditions / the reasonable rates ruling thereat. However, such charges

for consultation shall be reviewed by each Circle every two years.

viii) If schedule of charges in respect of a particular centre is not available, the charges applicable to the

Administrative Office centre shall be applicable to that particular centre which comes under its

administrative jurisdiction.

ix) Reimb. of Med. Exp. : Anomalies : Detailed in e-Cir/1152/2011-12.

x) In consideration of the peculiar geographic location of the entire North-East Region and due to paucity

of multi-specialty hospitals and the specific problems being encountered by the officers in getting

adequate reimbursement of medical expenses incurred thereof, the following arrangement shall be

applicable :

a) More number of Single Specialty Hospitals, apart from Multispeciality hospitals, operating in

Guwahati and other centres of North-East may be considered for empanelment.

b) In respect of non-empanelled hospitals, reimbursement in all the centres in the Circle may be

made based on schedule of charges approved for Guwahati centre.

c) Wherever specialized hospitals are not available in centres other than Guwahati, treatment may

be taken by the employees at other reputed hospitals / Nursing Homes / Clinics, etc. operating

at the centre and the charges incurred thereof may be reimbursed as per actual incurred, subject

to the ceiling of such expenses not exceeding the rates applicable to the Guwahati centre.

MEDICAL INSURANCE POLICY

Modified Instructions : w.e.f. 08.04.2015 : e-Cir/68/2015-16.

In cases where the employees have obtained medical insurance cover for dependent family members,reimbursement may be allowed up to the unsettled amount provided the same is within 75% of totaladmissible medical expenses and subject to fulfilment of other terms and conditions.

(The above provision has also been made applicable for the Award Staff members for reimbursement ofmedical expenses under Improved Medical Aid Scheme/Hospitalisation Scheme.)

DENTAL TREATMENT

The Bank has recently allowed the following emergency nature of dental treatment, involving small

expenditure to be incurred by an officer, and seek reimbursement thereof after obtaining ex-post-factoapproval from the authorized doctor/the competent authority : e-Cir/177/2012-13 :i) Consultation fee

ii) Infection - extraction of teeth

iii) Silver/Composite filling of teeth

iv) Dental X-ray

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v) Injury, viz. displacement of the Cap/Bridge/Crown, etc.

vi) Scaling - cleaning / polishing.

A maximum ceiling of Rs. 1,000/- has been stipulated for incurring the above nature of expenditure fordental treatment, either piecemeal/item-wise or otherwise, to be taken up by an officer of his dependents.

REIMBURSEMENT OF COST OF GLUCOMETER &GLUCOSE TEST STRIPS

Ref. : e-Cir/987/2013-14.

In view of the pressing need arising out of the critical condition of the employee and / or his family membersuffering from diabetes, the Bank has recently decided to include reimbursement of the cost of Glucometerand Glucose Test Strips under the Medical Reimbursement Scheme as applicable to officers of the Bank,subject to the following stipulations :

a) The facility of reimbursement of the cost of Glucometer and Glucose test strip will be available to allofficers who are diabetic.

b) An officer will be eligible for only one Glucometer. Suitable record thereof is to be kept in HRMS.

c) The cost of Glucomefier will be reimbursed up to a maximum amount of Rs. 1,300/- on one-timepayment basis.

d) The Bank will not provide for its replacement on account of loss / theft / non-functioning, etc.

e) The cost of Glucometer strips will be reimbursed to the officers as per the advice of the attendingPhysician / Diabetologist.

f) The above instructions are effective from 1st November, 2013.

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CHAPTER - 16 :

RETIREMENT & EXTENSION IN SERVICE

16.1 Pension :

At the rate of 1/60th of average monthly basic pay (including component of FPP/PQP ranking for pension)drawn during the previous 12 months of date of retirement for every year of pensionable service commencingfrom the date of confirmation (date of appointment for POs and other eligible direct recruits) or 18 years ofage, whichever is later, till Rs.4,250/- + DA as applicable from time to time.

Note:- 'Pay' for the purpose of Pension shall be the aggregate of pre-revised Pay and Dearness Allowancethereon at CPI 1616 Points.

In respect of Officers who retired on or after 01.07.1993, Pension will be computed (on pre-revised salary)as under w.e.f. 01.03.1999:

50% of average substantive salary upto Rs. 8,500/- (Minimum

40% of average substantive salary above Rs. 8,500/- Rs.4,250/-)

State Bank of India Employes Pension Fund Rules : Revision in Pension : Who Retired on OR After01.11.2002 : 37/2006-07

The employees/officers of SBI who retire or retired while in service or otherwise cease to be in employmenton or after 01.05.2006, the pension would be determined with reference to the pay scales effective from01.11.2002 as under :

a) Employees/Officers having pensionable 50% of the average pay of lastpay up to Rs. 21,040.00 + professional 12 monthsqualification pay, if any

b) Employees/Officer having pensionable 40% of the average pay of lastpay exceeding (a) above 12 months, subject to a mini-

mum of Rs. 10,520.00 ++ half of PQP, if any

ii) The pension of the retirees for the period from 01.11.2002 to 30.04.2005 is on the same basis as statedabove but no arrears of pension and commuted value of pension are payable on account of such refixationof Pension prior to 01.05.2005. However, arrears in pension payable w.e.f. 01.05.2005 onwards w.e.f. 01-11-2007 shall be released.

iii) Dearness relief on pension may be granted at the same rate as is applicable in the industry i.e. inrespect of employees/officers who retired on or after 01.11.2002, dearness relief shall be payable for everyrise or be recoverable for every fall, as the case may be, of every four points over 2,288 points in the quarterlyaverage of the All India Average Consumer Price Index for industrial workers in the series 1960=100, at therate of 0.18% of the basic pension. This dearness relief shall be payable w.e.f. 01.05.2005 and not prior tothat.

iv) Life Certificates : e-Cir/179/2011-12

a) It has been made mandatory for all IBI/SBI/SBS/SBIN Pensioners and Family Pensioners tofurnish life certificate in the month of November each year in the prescribed format failing whichpension will be stopped two months thereafter, i.e., from the month of February : e-Cir/892/2015-16.

b) When Life certificate is submitted at a Non-Home Branch, after updating the record in HRMS, theBranch should forward the original Life Certificate to the Home Branch and retain a copy of the samefor their record.

c) Life Certificate, Ackmt : Pensioners and family pensioners are required to submit Life Certificatein the month of November every year. The pension payment for the defaulting pensioners getsdiscontinued from the month of next February : e-Cir/892/2015-16.

}

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d) All branches, while entering the Life Certificate into the CSPPC system, are required to authorize

the same into the system immediately and hand over the system generated acknowledgementto the staff pensioner.

IBI/SBI Pensioners : Submission of Digital Life Certificate : Jeevan Pramaan : Govt. of India, Ministry ofFinance, Central Pension Accounting Office, New Delhi have advised that “A Life Certificate issued on-lineby a Government Agency as a result of Aadhaar Biometric Authentication is also accepted as a validcertificate” : e-Cir/1066/2015-16.

Digital Life Certificate submission involves biometric authentication by the pensioner from remote point andcreation of life certificate maintained in digital repository in NIC.

Steps to be followed for enrolling and submitting digital life certificate : e-Cir/1066/2015-16.

Physical Life Certificate will continue to be accepted from pensioners if preferred by them.

v) SBI Emp. Pension Fund : Comm. Employment : Rule 19 (1) If an officer of the Bank, who is entitled to

pension under these rules, wishes to accept employment in any other Bank at any time or any othercommercial employment within two years from the date of retirement, he should obtain the previoussanction of the Competent Authority designated by the Executive Committee of the Central Board fromtime to time. If the officer undertakes such employment without the sanction required under this Rule,it shall be competent for the Trustees to withdraw the pension payable to him either in whole or in partat their discretion : e-Cir/124/2010-11.

The period of two years has now been reduced to 1 year : e-Cir/124/ 2010-11.

Appointment of Officers/Employees by Bank’s Subsidiaries/Joint Ventures : Modification/Revision

in Existing Policy : e-Cir/486/2015-16.

v) Pension Fund : Nomination of Spouse, including Disabled Children, for the Benefit of Family PensionBefore Retirement : Guidelines : e-Cir/190/2012-13.

Under the SBI family Pension Scheme, spouse of the employee always gets first priority in gettingfamily pension in case of death of the employee while in service or after retirement (if he/she was

getting pension) till her/his death or re-marriage, whichever is earlier. Thereafter, family pension isgiven to the eldest surviving children in order of their birth up to the age of 25 years or he/she isgainfully employed, whichever is earlier. In case the beneficiary is an unmarried daughter, until sheattains 25 years of age or is married or is gainfully employed, whichever occurs first : e-Cir/188/2013-14.

vi) Staff Pensions : CSPPC : Centralised Staff Pension Processing Cell : Set up at Central AccountsOffice, Kolkata. From May 2012, pension/family pension is being processed and paid by CSPPC.

Further details furnished in e-Cir/408/2012-13 (detailed separately).

vii) Staff Pension : HRMS : The Bank recently automated the process of generating ‘Pension Proposal’ inHRMS. The proposal is prepared by using the available data of ‘Employee’, ‘Salary’ & ‘Leave’ inHRMS. The function and facilities have been made available in HRMS, and the step-by-step procedureis made available on HRMS portal : e-Cir/1007/2015-16.

The process flow and navigation are detailed in e-Cir/1007/2015-16.

With effect from 15th November, 2015, the pension for the employees, who have retired/retire or died/

die on or after 1st November, 2012, and getting salary through HRMS, should be strictly through HRMS

only.

RECENT CHANGES REG. PENSION

The Government of India has recently accorded their permission that pending amendment to SBIEmployees Pension Fund Rules, pension may be granted based on the average of last 12 months payof service from 01.11.2007. Further, the ceiling of pay for calculation of pension at 50% be raised from

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Rs.21,040/- to Rs. 31,500/-; the maximum of the pay scale of Scale-I officer, with four stagnation increments

and if the pay exceeds thereto, then at 40% of pay, subject to a minimum of Rs. 15,750/- pm.

AMOUNT OF DEARNESS RELIEF :

With effect from 01.11.2007, dearness relief on pension shall be granted at the same rate as is applicablein the industry, i.e., dearness relief shall be payable for every rise or fall of four points over 2,836 points inthe quarterly average of the All-India Average Working Class Consumer Price Index (General) Base1960=100 at 0.15% of the basic pension.

COMMUTATION OF PENSION :

a. The commutation of pension on the revised pension may be allowed with effect from 01.11.2007.

b. The pensioners who have opted for commutation, on or after 01.11.2007, shall be eligible forcommutation up to lump sum payment of the fraction not exceeding 1/3 rd of the revised pension.However, if a pensioner had availed of commutation up to a particular fraction of the pension within

the overall ceiling, as above, he will be entitled to avail of the additional amount of commutation tothe extent of the difference on the basis of the fraction so specified. Accordingly, the pensionerseligible for additional commutation, value would be advised of their eligibility and be further advised.

c. In case of deceased pensioner eligible for additional commutation, the legal heirs are eligible toreceive the commutation value of specified portion of the enhanced pension that the pensioner hadspecified in his original application for commutation. So, the legal heirs would be advised to receive

arrears of pension payable to the deceased pensioner with the request to receive it after completionof usual formalities.

FIXATION OF PENSION IN RESPECT OF RETIREESWHOSE PAST 12 MONTHS FALL PARTLY

IN PRE-REVISED SCALE ANDPARTLY REVISED PAY SCALE

Several pensioners have retired drawing partly pre-revised (pre 01.11.2007 salary scales) and partlyrevised pay (effective from 01.11.2007), consequent to last salary revision w.e.f. 01.11.2007. Thesepensioners to abide by existing instructions, which will provide for calculation of average pay in past 12months prior to retirement on the basis of salary as per the 8th Bapartite for the period prior to 01.11.2007,and for remaining months on the basis of 9th Bapartite pay scales.

The Bank has recently amended the SBI Pension Rules with the revised formula.

RESTORATION OF PQP AND FPP IN THE PENSION FORMULA

The Govt. has recently restored the PQP & FPP in pension formula, and accordingly following is the pensionformula w.e.f. 01.11.2007:

i) Basic Pay upto Rs. 31,500/- p.m 50% of the average B.P + ½ of PQP + ½ of FPP

ii) Basic Pay above Rs. 31,500/- p.m 40% of average Basic Pay + ½ of PQP + ½ of FPP (Subject to minimum of Rs.15,750/- + ½ PQP + ½ FPP)

The necessary amendments to the Pension Regulations have been passed in the Executive Committee ofCentral Board meeting to give effect to the revised formula.

16.2 Family Pension:

Eligibility : Dependents of officers who die in service/after retirement are eligible for family pension on thefollowing basis:

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(i) If death occurs after one year of pensionable service but before the completion of 20 years’ pensionableservice :

A) These who died or retired before 01.11.1993 :

Substantive Salary at the time of Death Family Pension

a) Rs.1,500 or less 30% of substantive Salary, subjectto minimum of Rs. 300/- p.m. + DAas applicable from time to time.

b) Above Rs.1,500/- 20% of substantive Salary, subjectto Rs. 3,000/- to minimum of Rs.450/-.

c) Above Rs.3,000/- 15% of substantive Salary, subjectto minimum of Rs.600/- and Max. ofRs. 1,250/- p.m.

B) These who died/retired on or after 01.11.1993 but before 01.04.1998:

Substantive Salary at the time of Death Family Pension

a) Rs.2,870 or less 30% of substantive Salary, subjectto minimum of Rs. 720/- p.m.

b) Rs. 2,871/- 20% of substantive Salary, subjectto Rs. 5,740/- to minimum of Rs.860/-.

c) Above Rs.5,740/- 15% of substantive Salary, subjectto minimum of Rs.1,150/- and Max. ofRs. 2,400/- p.m.

C) These who died/retired on or after 01.04.1998:

Substantive Salary Family Pension

at the time of Death

a) Rs.4,210 or less 30% of substantive Salary, subjectto minimum of Rs. 1,056/- p.m.

b) Rs. 4,210/- 20% of substantive Salary, subjectto Rs. 8,420/- to minimum of Rs.1,262/-.

c) Above Rs.8,420/- 15% of substantive Salary, subject

to minimum of Rs.1,687/- and Max. of

Rs. 3,521/- p.m.

D) These who died/retired on or after 01.11.2002 and / or on or after 01.05.2005 :

Substantive Salary Family Pension

at the time of Death

a) Rs.5,720 or less 30% of substantive Salary, subjectto minimum of Rs. 1,435/- p.m.

b) Rs. 5,720/- 20% of substantive Salary, subjectto Rs. 11,440/- to minimum of Rs.1,715/-.

c) Above Rs.11,440/- 15% of substantive Salary, subject

to minimum of Rs.2,292/- and Max. of

Rs. 4,784/- p.m.

ii) If death occurs after 20 years pensionable service:

a) For a period of 5 years from the date of death, full pension, to which the employee/officer would havebeen eligible had he actually survived and retired on that date.

b) Thereafter, family pension at the rates mentioned in clause (i) above.

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iii) If death occurs after retirement but before expiry of 5 years (of retirement):

a) For the balance period, till the employee would have completed 5 years after retirement : full pensionthat the officer was drawing immediately before his death.

b) Thereafter, family pension at the rates mentioned in clause (i) above.

iv) If death occurs after 5 years of retirement:

Family pension at the rates mentioned in clause (i) is payable to :

a) The widow during her life-time, unless she remarries;

b) If the wife has predeceased the pensioner, the eldest surviving son till he attains the age of 25 years,or is gainfully employed, whichever occurs first;

c) If the pensioner has not left behind widow or son, the eldest surviving unmarried daughter, till sheattains the age of 25 years, or is married, whichever occurs first.

If the income from the employment in the case mentioned in (b) above is less than the familypension, which was being paid or would have become payable, the family pension to the extentof the shortfall shall be payable.

REVISION IN FAMILY PENSION IN RESPECT OF ELIGIBLEMDMBERS OF THE FUND WHO RETIRED/REIRE

ON OR AFTER 1.11.2007e-Cir/878/2011-12

The Central Board of the Bank in its meeting dated held recently accorded approval for revision in familypension in respect of eligible members of the Fund, who retired/retire on or after 1.11.2007, as under:

i) Amount of Monthly Family Pension

(other than part-time employees):

Scale of Pay per month Amount of Monthly Family PensionUp to Rs.7,090/- 30 per cent of the ‘pay’ shall be the basic family

pension plus 30 per cent of allowances which arecounted for making contributions to Provident Fundbut not for dearness allowance shall be the additional family pension. The aggregate of basic andadditional family pension shall not be less thanRs.1,779/- per month.

Rs.7,091/- to Rs.14,180/- 20 per cent of the ‘pay’ shall be the basic familypension plus 20 per cent of allowances which arecounted for making contributions to Provident Fundbut not for dearness allowance shall be the

additional family pension. The aggregate of basicand additional family pension shall not be less thanRs.2,186/- per month.

Above Rs.14,181/- 15 per cent of the ‘pay ‘ shall be the basic familypension plus 15 per cent of allowances which arecounted for making contributions to Provident Fundbut not for the dearness allowance shall be theadditional family pension.The aggregate of basic

and additional family pension shall not be less thanRs.2,841/- per month and more than Rs.5,930/-per month.

Note:

i) In the case of part-time employees, the minimum amount of family pension and the maximum amountof family pension shall be in proportion to the rate of scale wages drawn by the employee.

ii) Minimum Pension : In respect of employees other than part-time employees, who retired on or after1.11.2007, the amount of minimum pension shall be Rs.1,779 p.m. In respect of part-time employeeswho retired on or after 1.11.2007, the minimum pension payable shall be Rs.595 p.m. in respect of part-

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time employees drawing a scale wages, Rs.892 p.m. in respect of part-time employees drawing ½ scale

wages and Rs.1,339 p.m. in respect of part-time employees drawing ¾ scale wages.

iii) A letter of undertaking is to be taken from the pensioner/member(s) of the family pension as per

enclosure to e-Cir/878/2011-12 to enable the Pension Fund to make adjustments, if any, at a later date.

iv) Family Pensioners : Fixed Dearness Relief (FDR) : Clarifications : Detailed in e-Cir/936/2012-13.

PAYMENT OF FAMILY PENSION :

PROVISION FOR PAYMENT OF “FAMILY PENSION”

TO PARENTS FOR LIFE

The Family Pension is payable to spouse and as also certain category of family members as defined in

the Pension Rules. However, there was no provision in respect for the parents of the deceased. The matterhas been considered by the Bank in comparison with the provisions of the Pension Rules in the CentralGovernment and other Public Sector Banks. The payment of Family Pension to the parents, where theofficer does not leave behind any other dependent, has been approved in the Executive Committee ofthe Central Board in its meeting held on the 25th February, 2015 by redefining the concept of “Family” underPension Rules : e-Cir/1404/2014-15.

a) To widow / widower up to his / her death or remarriage whichever is earlier

b) Failing (a) above, the eldest of surviving children in order of their birth up to the age of 25 years or he/she is gainfully employed, whichever is earlier.

c) In case beneficiary is an unmarried daughter, until she attains 25 years of age or is married or isgainfully employed, whichever occurs first.

d) This process will continue till the last beneficiary attains age of 25 years or is gainfully employed oris married in case of daughter, whichever is earlier

e) Failing (a) to (d) above, to son or daughter for life if he/ she is physically crippled or disabled so asto render him unable to earn a living even after attaining the age of 25 years.

f) Failing (a) to (e) above, to the parents who were wholly dependent upon the employee when he/she

was alive provided the deceased employee has left behind neither a widow nor a child. Among the

parents, mother will have precedence over father.

16.3 Gratuity :

Officers were eligible for the Statutory Gratuity viz. gratuity as per the Payment of Gratuity Act, 1972 and Paymentof Gratuity (Amendment) Act 1998, subject to a ceiling of Rs.3.5 lacs (w.e.f. 24.9.1997). 31/1998-99

Gratuity ceiling enhanced to Rs.10 Lac w.e.f. 24.05.2010. e-Cir/358/2010-11

Gratuty up to on amount of Rs. 3.50 Lac (now Rs. 10 lac) is not taxable. 119/2005-06

The formula for calculation of gratuity is as under :

Last wages drawn ** x No. of years of service x 15

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** BP + DA + Increment Component of FPP + PQP, + Personal Allowance, if any.

In the event of death of a member of pension fund, family is eligible for compassionate gratuity up to Rs.10 Lac. The amount of gratuity is one month’s pay for every completed year of service, subject to a maximumof 15 month’s pay. Where an officer has completed more than 15 years’ service, additional gratuity @ 1/4thof basic pay is admissible for each completed year of service beyond 15 years and upto 30 years.

Where an officer has completed more than 30 years of service, additional gratuity at the rate of half a month’spay for each completed year of service beyond 30 years is also admissible. 72/1998-99

Note:- For the purpose of Gratuity, the revised 'pay' shall be reckoned w.e.f. 01.11.1999.

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Gratuity : Automation of Registration of Gratuity Nomination : Step-by-step procedure : detailed in e-Cir/1138/

2013-14.

P.F., Gratuity : Full and Final Settlement : Branches/OADs, which are in receipt at PF/Gratuity final settlementamounts in their BGL accounts for credit to member’s account, should value-date the credit transaction inCBS while crediting amount to member’s account with retrospective effect for the intervening Sundays/holidays : e-Cir/1363/2014-15.

Payment of Gratuity in HRMS : Details furnished in e-Cir/1375/2014-15.

In case of Normal Retirement, the employees can apply three months prior to date of retirement whereasin other cases i.e. resignation, voluntary retirement, etc., they can apply one month prior to date of separation,if their date of separation is marked in the HRMS system.

A detailed user guide with screen shots is available at HRMS Portal.

SBI Employees Gratuity Fund Rules and Regulation 1991(SBIEGFRR-1991) : Amendments : No Need for Panic :

The Bank has recently issued Circular No. CDO/P&HRD-PM/28\2014-15 dated 6th August 2014 (e-Cir./514/2014-15) which created havoc and panic amongst many members especially officers/employees who

joined the Bank on or after 01.08.2010. A careful perusal of the circular will dispel all such fears andmembers are requested not to get entangled in its confusing technicalities.

We would like to re-assure that officers who have joined on or after 01.08.2010 will also get gratuity, asper gratuity act 1972 like all other officers. There is no need to panic and the members may rest assured

that we shall protect the interest of all officers at all times.

16.4 Retirement :

At 60 years’ age. 16/1998-99

On retirement, an officer will be eligible to claim travelling allowance, baggage and other expenses for himself

and his family as on transfer from the last station at which he is posted to the place where he proposes tosettle down on retirement.

Benefits of SBI Retd. Employee's Medical Benefit Scheme are not available to employees who retire undervoluntary retirement/exit option.

Retirement fare concession : Please note that Para 6.12 on page 180 of Handbook on Staff Matters, Vol.I,1987 has been deleted vide Staff Circular No. 35 of 1990.

Service Certificates to ex-officers of the Bank : These may be issued by the concerned Controller under whomhe had last served. 62/2003-04

Personalised Retirement Certificate : In Lieu of Appreciation Letter : The Bank now issues a personalized

Retirement Certificate to the Retiring Officer. The related guidelines are detailed in e-Cir/1008/2015-16.

16.5 Voluntary Retirement : SBIOSR

After putting in 20 years’ pensionable service. On retirement, the officer is eligible for proportionate pensionand usual terminal benefits.

Staff Misc. : Voluntary Retirement : Scheme for Extending Miscellaneous Benefits/Facilities to Employees/Officers on Voluntary Retirement : e-Cir/856/2015-16.

The Bank has recently accorded approval for Extending Miscellaneous Benefits/Facilities to Employees/

Officers on Voluntary Retirement. The details of the Scheme and operating guidelines approved by thecompetent authority as well as other instructions in the matter are enclosed at Annexure-II of e-Cir/856/2015-16.

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SBI PENSIONERS' ASSOCIATION, BHOPAL CIRCLEHAS RECENTLY LAUNCHED ITS WEBSITE www.sbipabhc.com.

MEMBERS MAY PLEASE MAKE FULLUSE OF THIS USEFUL, UPDATED &

USER-FRIENDLY FACILITY.

The Scheme has prospective effect and no claim for past voluntary retirement cases of employees qualifying

under the above Scheme shall be entertained.

16.6 Extension in Service : 53/1998-99

First Stage: On completion of 30 years of service/pensionable service or on attaining 55 years of age,

whichever occurs first, for grant of extension/continuation upto 58 years of age.

Second Stage: On attaining 58 years of age, for grant of extension/continuation upto 60 years of age, being

the age of retirement.

16.7 Presentation of Memento on Retirement :

w.e.f. 16-03-2011 e-Cir/1056/2010-11

At the time of retirement on superannuation (excluding voluntary retirement or compulsory retirement, etc.),the officer may be presented memento on Bank's behalf, as per the following monetary ceilings :

Category of Staff Revised Ceiling (in Rs.)

Subordinate Staff 2,500/-

Clerical Staff 3,750/-

JMG & MMG 6,250/-

SMG 10,000/-

TEG VI & VII 20,000/-

TEG SS I & II 30,000/-

Managing Director 40,000/-

Chairman 50,000/-

Further, a get-together of staff members may be held at the branch/office in honour of the retiring staff member

in which expenditure towards tea, etc. up to Rs. 20/- per head may also be permitted to be incurred.

Get together at unit level and issue letter of appreciation is to be arranged for all employees, who are leavingthe Bank on Retirement/Superannuation/Voluntary Retirement/Exit Option. 66/2006-07

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CHAPTER - 17 :

SUBSISTENCE ALLOWANCE

17.1 Subsistence Allowance : Employees Under Suspension : Review :

Officers, who remain under suspension for more than 12 months, should be paid higher subsistenceallowance. CO/PA/CIR/103 Dt. 31/03/1995

17.2 Subsistence Allowance to Employees/Officers Under Suspension : Salary Revision :

The officers/employees under suspension be given the benefit of salary revision. Further in as much asRule 68 A(7)(i) of State Bank of India Officers Service Rules provides that a suspended officer shall be entitledto subsistence allowance based on his substantive salary and allowances based on substantive salaryand allowances which have been revised.

Consequent upon the increase in basic pay and decrease in the dearness allowance, subsistenceallowance payable to some officers, who have been sanctioned enhanced subsistence allowance (halfbasic pay together with all admissible allowances in full), may be reduced. In such cases, the subsistenceallowance need not to be reduced, but existing subsistence allowance may continue to be paid to avoidhardship to the officer concerned. CO/PA/CIR/IR/159 Dt. 29/10/1986

17.3 Officials Under Suspension : Individual Housing Loan Scheme :

Housing loan should be withheld only in such rare cases where the charges against an employee areso grave that it is apprehended that he may not be retained in the Bank’s service on the conclusion ofdisciplinary proceedings. Any deviation from these instructions should only be with the prior approval of the

Corporate Centre. CO/PER/IR/19278 DT. 20/05/1983

17.4 Retention of House During Suspension :

If the suspended official is residing in the Bank’s leased residential accommodation, he would be leftundisturbed. The recovery on account of provision of the accommodation will be as per rules as if the official

was in active service.

The following facilities will also be allowed to the officers under suspension :

a) Residential telephone, if any, will not be withdrawn and may be continued on the same terms as inactive service.

b) Cleansing materials for upkeep of furniture and fixture as per rules.

c) Reimbursement of casual labour charges as per rules.

All existing cases of officers under suspension should be dealt with in the light of the above guidelines.

CO/PA/CIR/17 DT. 13/06/1994

17.5 Officers Under Suspension :

Salary Revision : The Bank has recently extended the benefit of salary revision as per the provisions of 10thBipartite Settlement to the officials, placed under suspension before 01.11.2012, for the purpose ofcalculation of subsistence allowance : e-Cir/762/2015-16.

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CHAPTER - 18 :

GROUP INSURANCE SCHEME FOR EMPLOYEES :

SAMPOORN SURAKSHA TERM PLAN :

MASTER POLICY No. 82001572405

e-Cir/1341/2013-14, 1070/2010-11

In terms of e-Circular No.CDO/P&HRD-IR/63/2006-2007 dated 7th of February, 2007 a group insurance

scheme for all permanent employees of the Bank was introduced w.e.f. 7th February, 2007.

2. Renewal of Master Policy No. 82001572405 : Detailed in e-Cir/1346/2014-15.

3. The Bank has taken a graded group insurance cover for staff as under : e-Cir/1233/2012-13.

Staff Insurance Cover(Rs in Lacs)

TEGSS-I & TEGS-VII 10

TEGS-VI 8

SMGS-V 7

SMGS-IV 6

Scale-I to III 5

Clerical 4

Subordinate 3

4. SBI Life has pointed out that settlement of claims at their end is delayed because the branches/officesdo not send the following documents immediately after death of the employee to them :

i) A copy of death certificate duly verified from original.

ii) Claim form in original.

5. All claims in proper forms as available in State Bank Times (Link>Human Resources>Downloads>SBILife claim form) under the group insurance policy must be sent directly to the SBI Life Insurance Co. Ltd.,Claims Department, 2nd Floor, Plot No.3A, Sector No.10, CBD, Belapur, Navi Mumbai - 400 614, along with

a copy of death certificate, duly verified by the Branch Manager/HOD concerned, under their office seal andsignature for prompt settlement.

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SWARNA GANGA POLICY :EXTENSION BEYOND RETIREMENT

This is with reference to insurance coverage under the Swarna Ganga Policy, a Group Insurance schemecovering the employees of State Bank of India. The scheme, inter alia, provides for extension of insurancecover to the employees even beyond their superannuation, provided annual premiums are received by SBILife.

2. Our retiring members may continue their policy by opting to pay annual premiums. If they are interested,they may communicate the same to SBI Life as in the prescribed format. They may send their consent in theprescribed format, as soon as possible to avail the continued benefits under the Scheme. Please note tosend the consent before the date of superannuation.

3. In case our members are not interested in continuing the policy, they may send to SBI Life the prescribed

format so that they can transfer the proceeds to the member’s bank account on the maturity date.

_____month following the dat e of retirement &

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CHAPTER - 19 :

ENQUIRIES, COURT CASES, ETC. :

TA/DA PAYABLE TO SERVING/RETIRED

EMPLOYEES OF BANK

The IBA Guidelines detailed in e-Cir/148/2011-12 are to be followed in respect of payment of TA/DA to senioremployees/ex-employees of the Bank (including retired or dismissed employees) in case he has to attendproceedings before a Court of Law/Tribunal/Inquiry Authority so as to depose as a prosecution witness oras a management witness. The guidelines are effective from 01.04.2011.

e-Cir/148/2011-12

* However, if the enquiry is held at place other than the place where the incident occureed at the behest of the Management, TA/DA willbe paid to the Defense Representative as per rules.

** However, if the employee is acquitted honourably, the TA/DA will be reimbursed as per rules.P.S. For attending personal hearing, TA/DA may be paid, if the Appellate Authority grants a personal hearing, as part of the process ofdisciplinary proceedings.

The Indian Banks' Association has clarified that from 01.04.2011, whenever a retired employee is appearing

at the Bank's behest as a management witness in a departmental enquiry conducted by the Bank, he may

be reimbursed TA/DA at the current rate admissible to the cadre/grade which he/she was holding at the

time of his/her retirement or leaving the Bank's service : e-Cir/476/2012-13.

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CHAPTER - 20 :

DEATH DURING SERVICE :

FACILITIES, BENEFITS, ETC. AVAILABLE FROMBANK, ASSOCIATION, CREDIT SOCIETY, ETC.

It becomes very painful when an officer dies while in service. While nothing can fill the vacuum in thefamily of a deceased officer, our Bank and the Association/Credit Society have made some provisions tolessen the trouble of that bereaved family. It is our responsibility to pass on all the necessary informationto that family as it will serve as a goodwill gesture towards the family of the deceased officer and also bring

more loyalty from the serving employees towards the Bank, the Association and the Credit Society.

Important Provisions : Some important provisions are under :

Interest on Loan Accounts :

• The interest on loan accounts of a deceased employee may be waived for the period from the dateof death of the employee to the date of closure of loan accounts, subject to some stipulations.

The above provision is available in respect of Housing loan under Individual Housing loan Scheme,Conveyance loan, Personal loan, Computer loan and Relief loan for Natural Calamities. However, thisprovision is not applicable if housing loan is allowed to continue for repayment to be made by legalheirs after the repayment to be made by legal heirs after the death of the employee.

(e-Cir/CDO/P&HRD-IR/99/2008-09)

Furniture & Electronic Items :

• In case of death of an officer while in service, the family of the deceased officer should be given furnitureand electronic items free-of-cost and the book-value of the same should be written off from the Bank’sbooks.

(e-Cir.CDO/P&HRD-PM/10/2010-11)

Group Insurance Scheme :

• A Group Insurance Scheme for all permanent employees of the Bank was introduced w.e.f. 7thFebruary 2007. The scheme gives an insurance cover of Rs. 2.00 Lac to such employees who havebeen allotted PF Index Number as on the date of commencement of the policy, i.e.,7th February 2007.

(e-Cir. CDO/P&HRD-IR/I/2010-11)

Swarnaganga Policy :

• The nominees of officers eligible for benefits under Swarnaganga Policy of SBI Life should beeducated to lodge the claims properly/expeditiously (detailed separately).

Home Loan & Car Loan Borrowers :

• Our Home Loan and Car Loan borrowers (including our employees) who opt for the Scheme arecovered under a Personal Accident cover in tie-up with New India Assurance Company Ltd. to the extent

of initial loan amount sanctioned irrespective of the outstnading. Maximum liability under the ploicyis Rs. 40 Lac per account and the claim is to be made within 60 days from the date of the accident.

(e-Cir. NBG/PBU/HL/7/2007-08)

Ex-gratia Relief :

• Revised Scheme detailed separately.

Leave Encashment :

• Upon death of officers, the legal representatives get amount of leave encashment. The spouse of theofficer may claim it without legal represenation, on furnishing an lndemnity Bond and two sureties.

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Residential Accommodation :

• Request from the dependant of the deceased officers may be considered by the appropriate authoritysympathetically for continuance of the residential accommodation. In deserving cases, it may beallowed up to the current academic session of the school/college-going children of the deceasedofficer.

Adhikari Sahakari Sakh Samiti :

• If the deceased officer is member of the SBI Adhikari Sahakari Sakh Samiti, Bhopal :

On the death of the member during active service, Rs. 5 Lac is paid to the nominee of the memberimmediately (after adjusting the outstanding loan amount).

Officers’ Association :

• On the death of the member during active service, a lump sum amount of Rs. 2 Lac (raised from theearlier Rs. 1 Lac) is paid to his/her nominee by the S.B.I. Officers’ Association, Bhopal Circle : effectivefrom 01.05.2014.

• However, if a member dies in harness/penury, the death relief is decided in the meeting of the CentralCommittee of the Association.

PRECAUTIONS :

Our esteemed members are advised to insure all their loans immediately so that their dependents,in worst case, shall not come on road in their absence.

Besides these, the family should inform the Association representative in case of any type of incident.They will do their best to help the dependents of the deceased officer.

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CHAPTER - 21 :

REVISED SCHEME FOR PAYMENT OF

EX-GRATIA LUMP SUM AMOUNT IN LIEU OF

COMPASSIONATE APPOINTMENT, W.E.F. 05.08.2014

Ref. : e-Cir/48/2012-13 as amended vide e-Cir/1147/2014-15 :

PENURY NORMS :

While the stipulation of monthly income of family less than 75% (earlier, 60%) may remain, the following

relaxation in primary calculation may be made:

i) Income from other sources and presumed notional income from net corpus (other than terminal

benefits received from Bank) not to be reckoned while calculating the monthly income of the family.

ii) SBI Life Insurance claim received not be taken into account while calculating total Investments.

iii) Loans raised from officers/employees co-operative credit societies may be included as liabilities.

The effect of the above would be that while determining the financial condition of the family, the following

income/liabilities will be taken into account :

INCOME :

i) Terminal benefits - PF, gratuity, and leave encashment (no change).

ii) LIC and other insurance policies (no change).

LIABILITIES :

i) Loans and other dues payable to Bank (no change).

ii) Loans raised from credit societies and other financial institutions.

Without approval of the Bank, these will be adjusted first from the other liquid assets of the deceased : no

change.

REVISED AMOUNT OF EX-GRATIA

(effective from 05.08.2014)

Ref. : e-Cir/1147/2014-15 :

i) The maximum amount of Ex-gratia increased as under for cases whose monthly income is less than

75% (earlier, 60%) of the last drawn gross salary (net of taxes) :

Cadre Maximum Amount Minimum 50%.of Ex-gratia Amount of Ex-gratia payable on account of not fulfilling penury

norms of monthly income of family less than 75% of last drawnsalary of deceased employee net of taxes.

Supervising Rs. 14.00 Lac Rs. 7.00 Lac

Clerical Rs. 12.00 Lac Rs. 6.00 Lac

Subordinate Rs. 10.00 Lac Rs. 5.00 Lac

ii) The minimum amount of ex-gratia shall be paid to all cases where the monthly income is more than

75% (earlier, 60%) of the last drawn gross salary (net of taxes) so that no family of the deceased

employee is deprived of ex-gratia lump sum amount.

iii) The maximum amount of Ex-Gratia payable shall be subject to the cadre-wise prescribed ceilings.

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TIME-LIMIT :

The time-limit for submission of applications has been increased to 9 months with a provision of condonation

of delay of further 3 months in genuine cases.

PAYMENT OF MINIMUM EX-GRATIA AMOUNT OF 50% OF ELIGIBILITYTO ALL CASES REJECTED W.E.F. 04.08.2005

CADRE MAX. EX-GRATIA Minimum Amount of Ex-Gratia(A) (B)

Rs. in Lacs Rs. in Lacs (50% of A)

Supervising Staff Rs. 8 Lac Rs. 4 Lac

Clerical Staff Rs. 7 Lac Rs. 3.5 Lac

Subordinate Staff Rs. 6 Lac Rs. 3 Lac

Staff Misc. : SBI Scheme for Payment of Ex-gratia Lump sum Amount in Lieu of CompassionateAppointment : One-time opportunity was given to the dependents of the deceased/retired employees for thepending cases in the prescribed categories to submit their applications up to 30.09.2014 : e-Cir/1290/2013-14.

COMPASSIONATE APPOINTMENT :MODIFIED SCHEMES

The Bank recently approved continuation of following two schemes duly modified as detailed in e-Cir/1147/2014-15 :

a) Scheme for Compassionate Appointment in Exceptional Circumstances. The revised scheme detailedin e-Cir/1147/2014-15 is effective from 05.08.2014.

b) Scheme for Payment of Ex-gratia Lump Sum Amount in Lieu of Compassionate Appointment with themodifications detailed in e-Cir/1147/2014-15. The revised scheme is effective from 05.08.2014.

The dependants of deceased employees falling under Scheme (a), i.e., where death is treated as in

“Exceptional Circumstances” have the option to chose either compassionate appointment or ex-gratia lumpsum amount as per the eligibility under the scheme.

However, in all other cases of death as also in case of premature retirement due to incapacitation beforereaching the age of 55 years, only ex-gratia lump sum amount is paid as per the eligibility and nocompassionate appointment is considered.

All cases of death/premature retirement on medical ground occurred before 05.08.2014 are dealt with as

per the respective old schemes.

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CHAPTER - 22 :

COMPENSATION SCHEMES IN SBI

Current Ref. : e-Cir/494/2012-13.

Scheme No.-I : PAYMENT OF COMPENSATION TO BANK EMPLOYEES IN THE EVENT OF DEATH/DISABILITY/SERIOUS INJURY WHILE ON DUTY.

Scheme No.-II : PAYMENT OF COMPENSATION TO BANK EMPLOYEES/ MEMBERS OF PUBLIC/CUSTOMERS WHO ARE KILLED/INJURED IN THE BANK ROBBERIES, TERRORIST INCIDENTS,

INCLUDING LEFT-WING EXTREMISM AND REWARD TO THOSE WHO ACTIVELY RESIST THEM.

The Government of India has recently reviewed the package of compensation/reward and advised themodified guidelines. The salient features of the revisions/ modification to.the existing Scheme-I & II aredetailed as under : w.e.f. 04.08.2012 :

Scheme No.-I :

Cadre Earlier Ceiling Revised Ceiling

Supervising Staff Rs. 5 Lac Rs. 10 Lac

Clerical Staff Rs. 3.50 Lac Rs. 7 Lac

Subordinate Staff Rs. 2.50 Lac Rs. 7 Lac

Scheme No.-II : Detailed below.

COMPENSATION TO BANKS EMPLOYEES/GENERAL PUBLICWHO ARE KILLED IN BANK ROBBERY, TERRORIST INCIDENTS

INCLUDING LEFT–WING EXTEREMISM(W.E.F. 04.08.2012)

Ref. : e-Cir/494/2012-13.

The Govt. of India vide letter F.No. 6/4/2012-IR dated 3rd July, 2012 has revised the scheme and instructedthe CMDs of different banks to get the scheme approved in their respective Boards. The salient features ofthe scheme are furnished below :

i) In case of death of an employee as a result of or during bank robbery or attacks by terrorists, includingleft-wing extremism on bank employees, the family of deceased will be given compensation by the bankas follows:

In case of death of Officers : 20 Lac (all officers)

In case of Clerical/Sub-Staff : 10 Lac

ii) The banks concerned will look after educational expenses of the children of the deceased upto andinclusive of graduation.

iii) The bank will give immediate employment to one member of the family of the deceased in accordance

with the guidelines of compassionate appointment. In case none is able to immediately take upemployment, the Entitlement will be held in abeyance till one of the members of the family becomeseligible for and is in a position to take up such appointment. In case compassionate employment isnot taken up, the pay and allowances last drawn by the deceased may be extended to the family till oneof the children of the family reaches 21 years of age or till the date on which the deceased would haveretired in normal course, whichever is earlier. Such payment of pay and allowance will be available onlyif the dependent is not gainfully employed elsewhere.

iv) The loans for housing etc. which might have been availed of by the employee may be transferred to the

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family member if any compassionate appointment is given, irrespective of his/her normal eligibility. If

compassionate employment is not sought by the family, the interest part may be waived and onlyprincipal be recovered from the compensation/other dues payable.

v) In respect of the persons other than the Bank employee who may get killed as a consequence of or duringrobberies and/or attack of terrorists, the bank will pay a lumpsum compensation of Rs.3 Lac to the familyof the deceased.

vi) In case of Bank employees/customers/members of public who actively resist bank robberies and

terrorists attacks on bank, the bank may consider a Cash reward not exceeding 2 Lacs. In addition, thebank employees may be given an out of turn promotion, if they satisfy the minimum conditions of eligibilityprescribed for direct recruits to the post but without reference to the number of years of service rendered.Employees not covered for criterion for promotion may be allowed three advance increments in theirexisting grade on a permanent basis.

vii) All expenses for treatment of injury caused during or at the time of resisting bank robbery/terrorist attack

on banks, including hospitalization of the victims (bank employees/members of public/customers)shall be borne by the bank.

viii) The cash reward mentioned in clause (vi) above will be in addition to the compensation, if any, to whichthe person may be entitled to under the provisions of various Acts/Rules governing him/her.

ix) These guidelines shall be uniformly applicable throughout the country, including North-East and in left-wing extremist areas. It may also be ensured that no parallel scheme may be run by the Bank in this

regard.

CHAPTER - 23 :

SBIEDCPS :SBI EMPLOYEES DEFINED CONTRIBUTION

PENSION SCHEME

Staff Misc. : SBIEDCPS : SBI Employees Defined Contribution Pension Scheme : Details furnished in e-Cir/39/2012-13.

Branches should deliver under acknowledgement a copy of SBIEDCPS to all categories of officers (includingfull-time/part-time medical officers) and employees who have joined the Bank in permanent scale (includingpart time) on or after 01.08.2010. A copy of their acknowledgement should be placed for record in theirservice files.

SBIEDCPS : Process and Roles & Responsibilities Along with Refund Procedure of Contributions : e-Cir/696/2012-13.

SBIEDCPS : Process and Roles & Responsibilities along with Refund Procedure of Contribution : e-Cir/115/2012-13.

Revised format for requesting refund of the balance in the SBIEDCPS account : Enclosed to e-Cir/696/2012-13.

SBIEDCPS : Payment of Interest : The Bank has recently restricted payment of interest on Legacy Fundbalances of the employees having no PRAN (Permanent Retirement Account Number) and resigned/diedwhile in service, up to three months from the date of cessation of service/death. The revised instructions havebeen made effective from 01st January, 2015 : e-Cir/1290/2014-15.

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CHAPTER - 24 :

TRANSFER / POSTING OF EMPLOYEES WHO ARE

CARE-GIVER OF DISABLED DEPENDENTS

Ref. : e-Cir/861/2014-15.

1. In terms of the Circular Letter No. CDO/PM/SPL/67 dated 25.04.2000 and as per Government ofIndia directives vide F. No. 302/33/2/87-SCT (B) dated 05.03.1988, subject to administrativeexigencies, physically handicapped persons employed in our Bank in all cadres should normallybe exempted from routine periodical transfers. Such persons should not normally be transferredeven on promotion if a vacancy exists in the same branch/office/town/City. When the ‘transfer of

a physically handicapped employee becomes inevitable on promotion to a place other than his/her original place of appointment due to non-availability of vacancy, it should be ensured that suchemployees are kept nearest to their original place of posting and in any case are not transferredto far off/remote places.

Such concession need not be made available to such of the physically handicapped employeeswho are transferred on the grounds of disciplinary actions due to their involvement in fraudulenttransactions, etc.

2. As per the Government of India guidelines now received vide F.No.3/8/2014-Welfare dated28.07.2014 issued by Department of Financial Services, Ministry of Finance, a Governmentservant who is also a care-giver of disabled child may be exempted from the routine exercise oftransfer / rotational transfer subject to the administrative constraints. The word ‘disabled’ includes:

i) Blindness or low vision

ii) Hearing impairmentiii) Locomotor disability or Cerebral Palsyiv) Leprosy curedv) Mental retardationvi) Mental illness, andvii) Multiple disabilities

3. In view of the said guidelines issued by Government of India, the Bank has recently decided as under :

i) The concession as available to physically handicapped employees, as mentioned in Para (1)above, may be made available to our employee who is also a care-giver of disabled dependents,i.e., disabled dependent children and spouse (even though they are not financially dependent).However, they will have to submit copy of the physical disability certificate issued by thedesignated authority in respect of their disabled dependent to the Bank. For that purpose,

disabled will mean as defined by Government of India and as mentioned in para 2 above.

ii) Rotational transfer of such employees may be done, i.e., they may be transferred within the centrekeeping in view CVC guidelines.

iii) In case no vacancy exists at present centre of posting, on promotion, these employees may betransferred at other centres, based on their choice of place, where required medical facilities areavailable.

4. Sabbatical Leave : Detailed in Chapter 'Leave'.

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CHAPTER - 25

MANDATORY ROLE-BASED E-LESSONS

Mandatory Learning : Weightage in AARF : With a view to promoting self-learning as also drivinginstitutional training, it has been decided to make self-learning/training initiatives mandatory andassign weightage in AARF of officers from the year 2014-15 : e-Cir/132/2014-15.

The details of the Scheme are furnished in e-Cir/132/2014-15.

Mandatory Role-based e-lessons : Uniformly fixed at 20 across all identified roles : Clarifications :e-Cir/540/2014-15.

Mandatory Learning : Modifications : For possible realistic implementation of the scheme : Detailsfurnished in e-Cir/969/2014-15.

Completion of stipulated mandatory E-lessons is a pre-requisite for confirmation in the Bank’sservice. Those POs and TOs who do not complete these stipulated Mandatory e-lessons are noteligible for confirmation : e-Cir/1056/2014-15.

These lessons have to be completed 15 days before the scheduled date of examination : e-Cir/1056/

2014-15.

Mandatory Learning : Modified Instructions/Guidelines : For the year 2015-16 : e-Cir/329/2015-16.

Mandatory E-lessons completed after this period are not reckoned for the purpose of immediateconfirmation test.

Mandatory e-Lessons : by POs & TOs : In order to provide updated contents always, the Bank hasprescribed a list of 85 e-Lessons (enclosed to e-Cir/443/2015-16) from which the POs/TOs of 2014batch and onwards are required to complete any 72 e-Lessons to be eligible for the confirmation testto be held after 6th July 2015.

SMGS-IV & V : Study Courses : The revised consolidated list of approved study courses for officialsin SMGs-IV & V for Mandating Learning now contains 39 courses : enclosed to e-Cir/1387/2014-15.

Mandatory Learning : Clarifications : Detailed in e-Cir/1403/2014-15.

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CHAPTER - 26

SELF-APPRISAL, PROMOTION POLICY, CONFIRMATION

Performance Appraisal System : Self-Appraisal : The Bank has recently revised the last date forsubmission of duly completed Self Appraisal Form from 15th April to 10th April every year. The revisedinstruction is effective from the Financial Year 2013-14 onwards : e-Cir/1405/2013-14.

Mandatory Learning : Weightage in AARF : With a view to promoting self-learning as also drivinginstitutional training, it has been decided to make self-learning/training initiatives mandatory andassign weightage in AARF of officers from the year 2014-15 : e-Cir/132/2014-15.

The details of the Scheme are furnished in e-Cir/132/2014-15.

Promotion Policy : For Promotions to MMGS-II & MMGS-III : W.e.f. promotion year 2014-15 : e-Cir/13/2014-15.

Promotion Policy : For Promotions to SMGS-IV & SMGS-V : W.e.f. promotion year 2014-15 : e-Cir/14/2014-15.

Staff Award : Promotion to Officer Cadre : As per the revised norms, from the promotion year 2015-16 onwards till 2018-19, up to 70% of total JMGS-I vacancies, excluding trainee Officers vacanciessanctioned by Corporate Centre for the promotion year will be filled up through Merit Channel and 30%through Normal-cum-Seniority Channel : e-Cir/1206/2014-15.

In case of need, the Bank may, at its discretion, inter-change the vacancies from Merit Channel toNormal-Cum-Seniority Channel or vice-versa during the same promotion year.

Staff Sup. : POs, TOs, JMGS-I Officers : As per the earlier pattern, weightage of 30% was beingassigned for the objective portion of the test and 70% weightage was assigned to the descriptiveportion : e-Cir/623/2014-15.

The Bank has recently approved amendment in the pattern of written test to provide for equal weightageto both the descriptive and objective portions of the test. The revised pattern of the written test is asper enclosure to e-Cir/623/2014-15 and is applicable for conducting any such examination with effectfrom 1st April 2015, onwards.

Staff Sup. : Weightage for Acquiring Qualifications of ACE/CIF/SP : The Bank has recently decidedto give suitable weightage for the following qualifications in the confirmation test : e-Cir/1047/2014-15 :

ACE (AMFI Certified Employee), CIF (Certified Insurance Facilitator) and SP (Specified Person for

General Insurance).

Candidates will get 3 grace marks for each of the above qualifications acquired by them and the samewill be added to the total marks secured by the officer in the confirmation test. Thus, an officer, whoacquires all the 3 qualifications, will be eligible for 9 grace marks. Other operational instructions in thisregard are detailed in e-Cir/1047/2014-15.

Staff Sup. : Confirmation of POs, TOs, JMGS-I : Reduction in Cut-off Scores for Placing in MMGS-II : From 75% to 60% : e-Cir/226/2014-15.

Staff Sup. : POs, TOs, JMGS-I Officers : Direct Placement : Direct placement of Probationary/Trainee/JMGS-I officers in MMGS-II on the basis of results of confirmation tests is with effect from thedate of completion of probation or date of declaration of final results (after Group Discussion/interview),whichever is later : e-Cir/622/2014-15.

Promotional Tests : MMGS -II / MMG-III : The Bank has recently waived the negative marking in these written

tests : e-Cir/1254/2014-15.

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CHAPTER - 27

ATTENDANCE, PUNCTUALITY &

PROFESSIONAL DRESS CODE

Attendance & Punctuality :

In order to ensure that punctuality standards are met by all, the Bank has reiterated the extantinstructions in this regard vide e-Cir/1018/2014-15.

Sub-ordinate staff should attend office 30 minutes before commencement of business hours andclerical staff 15 minutes before commencement of business hours.

Leave application should be submitted in advance. In exigencies, intimation should be given to thecontroller (leave sanctioning authority) followed by the leave application.

Employees coming late to office can be refused permission to attend office on those days and askedto submit leave application as refusal to grant permission to join late is the prerogative of the

management, but in genuine cases, due care should be taken. Causes for late coming should beinvestigated and remedial steps should be taken to prevent recurrence.

Professional Dress Code :

Although the Bank has not imposed a dress code for staff other than subordinate staff and specialistofficers, on being an employee of the country’s premier institution and biggest bank, each and everyoneis expected to follow certain moral dress code while representing the Bank in the office premises orattending seminars, meetings, training courses, etc. Ordinarily, formal business dress code for menrequires appropriate trousers, full sleeve shirts tucked in and business shoes. Half sleeves may beused in summer months. Footwear should be simple/business shoes (black or brown) nicely polished :e-Cir/686/2015-16.

Women wearing western attire should follow the same rules. Women using Indian attire should wearSarees or Salwar Kameez/suits properly ironed and draped. In a nutshell, dress code should matchthe brand image of the Bank and should reflect professionalism. However, employees, may wear

clothes appropriate to the occasion when a particular department/vertical is collectively celebrating afestival/event. Also, there is no bar in following a religious dress code applicable to any particularcommunity.

T-shirts/jeans/sports shoes/faded, frayed or un-ironed clothes, etc. are not expected.

As per SBIOSR, every officer is expected to do nothing which is unbecoming of an officer. In respectof Award staff, as per industry-level Bipartite Settlement, marked disregard of ordinary requirementsof decency and cleanliness in person or dress is a misconduct.

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CHAPTER - 27-A

DECLARATION OF ASSETS AND LIABILITIES

BY ALL OFFICERS/EMPLOYEES

Act : Declaration of Assets and Liabilities by All Employees Under Section 44 of the Lokpal andLokayuktas Act, 2013 : e-Cir/130, 140/2015-16.

The Govt. of India has notified the Public Servants (furnishing of information and annual return of assetsand liabilities) Rules, 2014 under the Lokpal and Lokayuktas Act, 2013. As per Section 44 of the saidAct and Rules framed thereunder, every public servant shall file declarations, information or return, asthe case may be, regarding his assets and liabilities as on the 31st day of March every year, to thecompetent authority, on or before the 31st day of July of that year.

Section 44 of the Lokpal and Lokayuktas Act, 2013 relating to submission of assets and liabilitiesstatements / returns by public servants, applies to all the employees (Officers, Clerical, Sub-staff andContractual) of State Bank of India.

Related directions are detailed in e-Cir/130/2015-16.

H.R.M.S. : All employees of the Bank are how required to mandatorily submit the above statements/returns through HRMS only. The user manual for submission of the above returns is available on theHRMS portal : e-Cir/792/2015-16.

A manual printout of the statements should be taken out by the employee and the same is requiredto be submitted, duly signed, within the stipulated period as mentioned above, for normal scrutiny, as

hitherto, to the appropriate authority.

P.F. Index No. : All employees, while submitting their Assets & Liabilities statements, should mentiontheir Provident Fund Index number and Grade/Scale in all pages of Form I to IV, including the coveringpage of the prescribed formats under the Lokpal Act : e-Cir/321/2015-16.

Last Date : Assets and Liabilities : Annual Statements : The last date for filing of revised returns forthe year 2014 (as on 01.08.2014) and the returns for the year 2015 (as on 31.03.2015) by publicServants under the rules (in terms of the Lokpal Act) has now been further extended (from 15.10.2015)to 15.04.2016 : e-Cir/890/2015-16.

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CHAPTER - 28 :

SUNDRY MATTERS

INTER-CIRCLE TRANSFERS

I.C.T. : Criteria of Service The Bank has recently reduced the criteria of service for applying for inter-circletransfer to 3 years of total service, including probation period, from the earlier norms of 3 years’ confirmedservice. Only confirmed officers are eligible to apply : e-Cir/240/2013-14.

I.C.T. : Requests on Working Spouse Grounds :

Ref. : e-Cir/894/2013-14 :

a. An officer may apply for Inter-Circle transfer on spouse grounds without any restriction on thenumber of chances.

b. An officer should stay for a minimum period of 2 years in the place transferred to, on request,before being eligible to submit a fresh request for transfer on spouse grounds.

c. Preference will be given to those cases where both husband and wife are working in our Bank,

d. Consideration of ICT requests would be governed by extant posting norms for officers viz.Completion of Mandatory Assignments, Assignment tenure, Centre stay, etc. All extant guidelinesin these areas to be complied with while considering the transfer requests.

e. ICT requests will be considered, subject to requirements, other existing operative guidelines andadministrative exigencies.

28.1 INCENTIVE TO INSPECTION STAFF : e-Cir/CDO/P&HRD/PM/73/2008-09, 50/2002-03

Reimbursment of kit Expenses :

i) For the Ist year of mobile duty - Rs. 6,000/- per annum

ii) For the subsequent 4 years of mobile duty - Rs. 3,000/- per annum

28.2 FACILITIES FOR CIRCLE AUDITORS :

The following facilities are provided to the Circle Auditors:

i) Residential accommodation at a place of choice of the officer concerned subject to the rental ceilingapplicable to that centre.

ii) A telephone at residence as applicable to the grade of the officer with rental and call charges as perthe entitlement.

iii) Payment of halting allowance for the period of leave, if the officer falls sick while on duty while conductingthe audit provided he remains at the centre where he is conducting the audit.

Note:-The audit assignments would be in Modules other than which controls Branches at the centre whereresidential accommodation is provided.

Staff Sup. : CISA : Revision in Rate of Reimbursement of membership fees in respect of Certified Information

System Auditor : e-Cir/269/2015-16.

28.3 DETAILMENT AS TEST PERSONNEL : 32/1996-97, 65/1998-99

Officers detailed for invigilation work for various promotional tests are paid an Honorarium of Rs. 250/-,inclusive of conveyance expenses, without any compensatory off. Tea and Snacks may also be provided tothem.

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28.4 MEDICAL FITNESS :

Revised Instructions : Standards of Medical Fitness for the New Recruits/Promotees : e-Cir/35/2012-13.

28.5 PWDS : PERSONS WITH DISABILITIES :

Identification of Task/Rules : e-Cir/981/2011-12.

28.6 ONE-EYED CANDIDATES :

Recruitment/Promotion : e-Cir./829/2009-10

Candidate having total absence of perception of light in the affected eye, and the better eye having distantvision 6/6 and near vision JI with or without correction in any meridian up to +4 or -4 spherical equivalent forthe distant vision and also normal field of vision with absence of any progressive disease.”

The candidates fulfilling the above medical standard are now eligible for recruitment/promotion in the Bank.All other regular parameters for the for general candidates are applicable in these cases also.

Review of ophthalmological standards : detailed in e-Cir/304/2011-12.

28.7 SBI RETIRED EMPLOYEES’ MEDICAL BENEFIT SCHEME :SBIREMBS : ENROLMENT OF MEMBERSHIP

The Bank has recently introduced a comprehensive medical scheme for the benefit of the retired employeesof the Bank. As the one-time subscription was a huge burden on our retirees, the Federation requested theBank to make available to them loan facility to avail the benefit. The Corporate Center has suggested forthe utilization of the existing overdraft facility available to the Pensioners in general. The Federation recentlysent a communication requesting them to devise a separate scheme for the purpose.

The Bank has recently automated the process of ‘Application for Membership’ and its registration. Thedetailed procedure with navigation menu is documented in e-Cir/1173/2014-15.

The retiring Employee can apply for the membership 15 days prior to his/her retirement or within 3 monthsfrom the date of the first pension credited to his/her pension account.

In case of application after the date of retirement, a serving employee/official from any Branch can apply onbehalf of the retired applicant.

REMBS : Extension of Benefit to Surviving Spouses of Employees who Die while in Service : e-Cir/781/2015-16.

The spouses of only those employees who die while in service after putting in at least 20 years of pensionableservice and after attaining the age of 50 years and above (both the conditions to be satisfied) may be allowedmembership of SBIREMBS. The membership is restricted up to Plan-’E’ of the existing scheme (i.e., ‘A1’,‘B1’, ‘C1’, ‘D1’ and ‘E’ ).

e-SBSREMBS : Revision in Erstwhile State Bank of Saurashtra Scheme : (e-SBSREMBS) : Detailed in e-Cir/731/2015-16.

28.8 LETTING OUT OF HOUSESTO THE BANK :IMP. CLARIFICATION REG. ECONOMIC RENT

As per extant instructions, employees who own houses, acquired by availing housing loan under IndividualHousing Scheme, are also eligible for official accommodation.

2. However, in case they are given the official accommodation or are transferred out of the place wherethe house is situated, they are allowed to let out the house. The house is required to be first offered to theBank in which case the Bank will pay "Economic Rent", and when the Bank does not require the house, itcan be let out to anybody in any manner desired by the employee.

3. In view of falling interest rates, in many cases, the economic rent is far less than the prevailing marketrent. It has, therefore, been decided by the Bank that where the ecnomic rent is less than the entitlement ofthe officer occupying the house rent equivalent to the entitlement of the officer occupying the house or marketrent, whichever is lower, should be paid. (Ref. CIRDO/P&HRD/CL/88/2003-04).

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28.9 OFFICERS APPOINTED ON CONTRACT :

Economists, Statisticians & Law Officers : Revision in Terms and Conditions of Engagement : e-Cir/1163/2011-12.

28.10 MEDICAL OFFICERS :

Full-time, Part-time : Revised Uniform Terms & Conditions of Service (UTCS) : e-Cir/1049/2013-14.

Permanent Full-Time / Part-Time Medical Officers : of the Bank : Modifications in Uniform Terms & Conditionsof Service (UTCS) : e-Cir/370/2015-16.

The terms and conditions of UTCS are not applicable to doctors who are engaged on contact basis.

28.11 STAFF SUP. : EXPENSES OF CLOTHING :

Liaison Officers/Security Officers & Fire Officers : Reimbursement of Expenses on Clothing : Revision :W.e.f. 01.08.2012 : e-Cir/507/2012-13.

28.12 USE OF SCRIBES :

Promotions to Scale-II & Scale-III : Use of Scribes in written test for Promotion : Terms & Conditions : e-Cir/968/2011-12.

28.13 T.O. CHANNEL :

Promotion to JMGS-I : Trainee Officer Channel : Eligibility Criteria : Detailed in e-Cir/669/2011-12.

28.14 POS (GEN), POS (RB) :

Confirmation Test : Revised Pattern of Tests : Detailed in e-Cir/793/2012-13.

28.15 OFFICERS WHO OPT OUT OR REFUSE PROMOTION TO HIGHER GRADE

The officers who opt out or refuse promotion to higher grade are not eligible for : e-Cir/653/2013-14 :

(i) Increments in the higher grade (to which the official has refused/opted out for the promotion) in the runningscale of pay;

(ii) Stagnation increments on reaching the maximum in their scale of pay;

(iii) PQP in lieu of regular increment on reaching the maximum in their scale of pay.

The above instructions are effective from 3rd September, 2013.

(As per the order deted 02.03.2000 of the Division Bench of Madras High Court.)

Officers who opt out or refuse promotion to higher grade : The officials who subsequently opt for the promotionto next higher grade are allowed the increment/stagnation increment/PQP, as applicable, in the higher gradein running scale from the date of his annual increment falling due subsequent to the date of appearing forthe promotion exercise : e-Cir/1207/2013-14.

28.16 CSPPC : CENTRALISED STAFF PENSION PROCESSING CELL : Facilities Available at

Branches : e-Cir/1022/2012-13 :

• Enquiry Menu

• Modification of Non-financial Details• Pension Slip• Other Reports• Certificates• Investment Declaration Form• Form 16• TDS Deposit to IT Department

• Noting of Date of Death• Transfer of Account.

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28.17 COLLECTION OF CONTRIBUTION FROM STAFF/CUSTOMERS : Prohibited as per Service

Rules : e-Cir/1274/2012-13.

The Rule of Conduct signed by the employee at the time of joining the Bank also contains the following clause :

“Any employe accepting from a constituent of the Bank, a Gift other than that of fruit or flowers will, unless thepermission of the Bank has been previously obtained, be liable to dismissal from service.”

28.18 REIMBURSEMENT OF OUT-OF-POCKET EXPENSES TO LIAISON OFFICERS ;

Discomfort Allowance for Liaison/Security/Fire Officers : Revised Entitlements : Detailed in e-Cir/312/2013-14.

28.19 SEXUAL HARASSMENT :

Modified Policy on Sexual Harassment of Women at Workplace : Prevention, Prohibition and Redressal :Details furnished in e-Cir/1070/2013-14.

Formation of Internal Appellate Committee (IAC) in the Bank : e-Cir/1139/2013-14.

28.20 EX-SERVICEMEN : PAY FIXATION :

Of Ex-Servicemen Re-employed in Public Sector Banks on or After 01.01.2006 : The IBA has, in consultationwith the Govt. of India, now issued guidelines to all the Public Sector Banks for implementation. The highlightsand the guidelines in detail are annexed to e-Cir/1263/2013-14.

Recent Clarification issued by the IBA : e-Cir/863/2014-15.

28.21 PERFORMANCE-LINKED INCENTIVE SCHEME :

Individual Incentive and Team Incentive for the Year 2014-15 and Onwards : e-Cir/350/2014-15.

Staff Sup. : Re-establishing DGM’s Club Awards (for Branch Managers) in the Scheme w.e.f. FY 2014-15 :e-Cir/683/2014-15.

Chairman’s Club for NBG & MCG Branches : Re-establishing DGM’s Club Award : Increase in Quantum ofAward : e-Cir/766/2015-16.

28.22 STAFF SUP. : TRANSFER :

The Bank has recently introduced Transfer Tracking System (TTS) on HRMS platform : Details furnished ine-Cir/727/2014-15.

28.23 STAFF SUP. :UPDATED LIST OF SENSITIVE POSITIONS/POSTS :

As per the Central Vigilance Commission guidelines, the officers appearing in the Agreed list and the listof Doubtful Integrity are not to be placed in sensitive positions/posts in the Bank. Further, the officials posted

in sensitive positions/posts are to be rotated every two/three years to avoid developing vested interests : e-Cir/668/2014-15.

28.24 SBI EMPLOYEES GRATUITY FUND :LIC’S SCHEME :

Master Policy under group gratuity cash accumulation plan of Life Insurance Corporation of India : e-Cir/28/2014-15.

Other Details : Furnished in e-Cir/28/2014-15.

28.25 ‘SBI YOUTH FOR INDIA’ :

The Bank has, as part of Corporate social responsibility, launched a volunteer Fellowship/programmenamed SBI Youth for India which would help to bridge the gulf between youth in metro/urban areas and ruralIndia : e-Cir/194/2014-15.

Participation of SBI Officers : Programme of SBI Youth for India envisages selection of volunteers from reputed

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educational institutions and young professionals in metro/urban areas to work on specified projects in

villages for a period of 13 months under the aegis of reputed NGOs : e-Cir/536/2015-16.

Policy for the current year (2015-16) for deputation of SBI officers to SBI Youth for India : e-Cir/536/2015-16.

28.26 Protection Policy :

For Officers Engaged in NPAs/AUCAs Recovery; Initiating Criminal Action Proactively Against Defaulters andFighting Criminal / Civil Cases Filed by Defaulters : The Bank has recently put in place a policy as per e-Cir/425/2015-16 for providing legal and financial protection to Bank’s officers who adopt a tough posture against

defaulters and initiate criminal proceedings based on facts of individual cases so that the defaulters do notgo scot free under any circumstances, and they are punished as per provisions of Indian Penal Code (IPC),1860, etc. for various criminal offences committed by them against the Bank.

The Bank had earlier approved in 2007 a scheme for extending legal and financial support to officers of theBank against whom motivated false complaints have been made by people/agencies outside the Bank. Theinstructions contained in CDO/P&HRD-PM/3/2007-08 shall continue to remain valid in the applicable cases.

The policy shall be reviewed initially after one year or as and when considered necessary.

28.27 National Voters’ Service Portal (NVSP) :

Linking of Aadhar Number with EPIC (Electors Photo Identity Card) Number : All employees of the Bank

should access the NVSP and link their Aadhar numbers with EPIC numbers : e-Cir/198/2015-16.

28.28 Second & Fourth Saturday as Bank Holidays :

The Govt. of India recently declared the second and fourth Saturday of every month as public holiday for banks

in India, whether or not such banks are included in the Second Schedule to the Reserve Bank of India Act,1934, w.e.f. 01.09.2015 : e-Cir/687/2015-16.

While every second and fourth Saturday of every month will be Public Holiday for the Bank, other Saturdaysof every month will be full working days.

28.29 Staff Sup. : Placement Norms :

Categorisation of Positions : Operational/Line/Independent Line Assignment : New Positions Included :

w.e.f. 05.03.2015 : e-Cir/60/2015-16.

Categorisation Norms : Review : of Categorisation of Branches in National Banking Group (NBG) : e-Cir/717/2015-16.

The earlier categorisation methodology was based purely on business level.

Revised Categorisation norms are based on the basis of Manpower Model norms as detailed in e-Cir/717/

2015-16.

28.30 Clerical Cadre Employees : Re-designation :

In view of paradigm change in the nature of roles of Clerical cadre employees there is a felt need to re-designate them and to give them a contemporary job title. This helps in enhancing job satisfaction and pridein one’s own job besides reflecting the core element of responsibility assigned.

The clerical cadre employees have been re-designated as under : e-Cir/498/2015-16 :

Earlier : New

Assistant : Junior Associate (Customer Support & Sales)

Customer Assistant : Associate (Customer Support & Sales)

Senior Assistant : Senior Associate (Customer Support & Sales)

Special Assistant : Special Associate (Customer Support & Sales)

Senior Special Assistant : Chief Associate (Customer Support & Sales)

SERVICE CONDITIONS OF OFFICERS IN STATE BANK OF … CONDITION/SERVICE CONDITION 10TH BIPART... ·...

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