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  • 14 авг.## Q10. What if the customer qualifies under both rural residence and operative SB account? The eligibility category preferred by the customer, or the category having stronger supporting documentation, may be recorded. Only one eligibility category should be selected in McCamish. ## Q11. Can the customer protect transaction amounts or balances in a screenshot? The listed Physical/Digital proof is acceptable, and only the account status and holder name need to be visible. Transaction amounts or balances may be masked where the bank's application or statement permits it. If the customer does not wish to provide such proof, eligibility through rural residence may be considered. ## Q12. Can an RD or FD account be used instead of a Savings Bank Account? No. This eligibility criterion specifically applies to an operative Savings Bank Account. RD, FD and other deposit accounts do not qualify under this criterion. ## Q13. What can be done if CPC rejects the proposal and the customer disputes the decision? The customer may submit fresh or additional Physical/Digital proof for reconsideration or use an alternate eligibility route such as rural residence. If the dispute continues, the matter may be escalated to the Circle Office for review. --- # 26. EXAM-IMPORTANT POINTS ### Remember These Facts 1. Date of Administrative Instruction: 14.08.2026 2. File Number: F. No. 92-1/2026-LI 3. New RPLI Eligibility Criterion: Operative Savings Bank Account 4. Eligible Banks: POSB or any Scheduled Bank in India 5. Scheduled Bank Transaction Requirement: At least one customer-initiated transaction during the preceding 24 months 6. POSB Status: CBS status is conclusive and binding 7. Passbook Validity for Proof: Updated within the last 3 months 8. Account Number Alone: Not sufficient 9. Physical Bank Certificate: Not required where acceptable Physical/Digital proof is available 10. Proposal Application: DREAM PLI App 11. McCamish Eligibility Category: “Operative SB Account” 12. Existing Underwriting Norms: Continue unchanged 13. Monitoring Period: 24 months from policy issue 14. Circle Reporting: Six-monthly reports to PLI Directorate 15. Initial Divisional Verification: 100% for first 3 months 16. Proposer Declaration: Mandatory when eligibility is claimed through operative SB account 17. Minor: Not eligible 18. RD/FD: Not eligible under this particular criterion 19. Joint Account: Can qualify if proposer is a named joint holder and the account is operative 20. Effective: Immediate effect from 14.08.2026. --- # 27. ONE-LINE REVISION RPLI eligibility has been expanded from rural-residence-based eligibility to additionally include persons maintaining an operative Savings Bank Account with POSB or any Scheduled Bank in India, subject to all existing RPLI eligibility and underwriting requirements.0,59%
  • 14 авг.This is an important point for field-level processing and verification. --- # 7. ACCEPTABLE PHYSICAL/DIGITAL PROOFS Any one of the following may be accepted to establish operative Savings Bank Account status: 1. CBS status – for POSB accounts. 2. Email statement issued by the bank. 3. Mobile banking screenshot. 4. ATM statement / mini-statement. 5. Passbook updated within the last three months. ### Important Points * A physical certificate from the bank need not be insisted upon where acceptable digital proof is available. * If the proof appears doubtful, altered or inconsistent, fresh proof should be obtained from the customer. * Processing should not proceed on doubtful or suspicious documents. --- # 8. ROLES AND RESPONSIBILITIES ## 8.1 Branch Post Office (BO) The Branch Post Office shall: * Conduct initial customer screening. * Obtain Savings Bank Account details. * Obtain acceptable Physical/Digital proof. * Generate the proposal through the DREAM PLI App. * Collect the required documents. * Forward the proposal to the Sub Post Office. ## 8.2 Sub Post Office (SO) The Sub Post Office shall: * Re-verify the operative status of the account. * Ensure completeness of the proposal and documents. * Index the proposal in McCamish. * Select the eligibility category as “Operative SB Account”. * Forward the proposal to the Central Processing Centre. ## 8.3 Central Processing Centre (CPC) The CPC shall: * Undertake underwriting scrutiny. * Validate the eligibility proof. * Apply existing RPLI underwriting norms. * Approve or reject the proposal. * Issue an acceptance letter or deficiency communication, as applicable. ## 8.4 Circle Office The Circle Office shall: * Supervise implementation. * Ensure compliance with the SOP. * Monitor mortality. * Monitor lapsation. * Monitor persistency. * Monitor claim behaviour. * Monitor fraud indicators. * Monitor operational issues. ## 8.5 CEPT / Technology Division CEPT / Technology Division shall: * Enable reporting fields. * Provide MIS support. * Generate customised reports regarding proposals accepted under operative SB account eligibility and their subsequent conversion into policies. --- # 9. DETAILED PROCEDURE ## 9.1 Procedure at Branch Post Office ### A. Customer Screening The BO shall ascertain whether the customer claims RPLI eligibility on the basis of: 1. Rural residence; OR 2. Operative Savings Bank Account maintained with POSB or any Scheduled Bank. Where eligibility is claimed through an operative SB account, the BO shall obtain the required account details and acceptable Physical/Digital proof. ### B. Verification The BO shall verify the operative status using acceptable Physical/Digital proof. ### C. Proposal Creation The BO shall: * Generate the proposal number through the DREAM PLI App. * Collect all mandatory documents. * Forward the proposal to the SO. --- # 10. PROCEDURE AT SUB POST OFFICE ## 10.1 Re-Verification The SO shall: * Re-verify the operative status of the account. * Verify the acceptable Physical/Digital proof. * Ensure that the proposal and accompanying documents are complete. ## 10.2 Indexing The proposal shall be indexed with the eligibility type: “Operative SB Account” ## 10.3 Forwarding The physical file shall be forwarded to the Central Processing Centre (CPC). --- # 11. PROCEDURE AT CENTRAL PROCESSING CENTRE ## 11.1 Underwriting The CPC shall: 1. Verify the operative status of the account. 2. Verify the eligibility proof. 3. Apply all existing RPLI underwriting norms. 4. Check age requirements. 5. Check sum assured requirements. 6. Check medical requirements, wherever applicable. 7. Check financial underwriting requirements. ### Important The introduction of the new eligibility criterion does not change the existing: * Minimum/maximum age limits; * Minimum/maximum sum assured limits; * Medical underwriting requirements; * Financial underwriting requirements. All existing underwriting norms continue to apply in full. ---0,34%
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  • 16 авг.🏠 e-Sampada Portal 2026 Central Govt Employees & Pensioners can access: 🏢 Govt Accommodation 🏖️ Holiday Home Booking 🏨 Touring Officers’ Hostels 📱 Online Estate Services 👉 Read complete guide: https://jobfandu.blogspot.com/2026/08/e-sampada-portal-2026-complete-guide-to.html #eSampada #CGEmployees0,29%
  • 14 авг.Below is a clean, printing-guide format based strictly on the uploaded RPLI Expansion of Eligibility Administrative Instructions and SOP dated 14.08.2026. The source contains the main order plus a detailed SOP, checklists, declaration and FAQs. # RURAL POSTAL LIFE INSURANCE (RPLI) ## EXPANSION OF ELIGIBILITY BASED ON OPERATIVE SAVINGS BANK ACCOUNT ### 1. INTRODUCTION The Department of Posts has expanded the eligibility criteria for Rural Postal Life Insurance (RPLI). Earlier, eligibility for RPLI was primarily based on permanent residence in rural areas. With effect from 14.08.2026, an additional eligibility criterion has been introduced. A person maintaining an operative Savings Bank Account with a Post Office Savings Bank (POSB) or any Scheduled Bank in India is also eligible to purchase RPLI, subject to the applicable RPLI provisions. Important: The expansion of eligibility does not relax the existing RPLI underwriting requirements such as age limits, sum assured limits, medical requirements and financial underwriting norms. --- # 2. IMPORTANT ADMINISTRATIVE INSTRUCTIONS ### 2.1 Administrative Instruction File No.: F. No. 92-1/2026-LI Department: Department of Posts Directorate: Directorate of Postal Life Insurance Date: 14.08.2026 ### 2.2 Subject Expansion of eligibility criteria under Rural Postal Life Insurance (RPLI). ### 2.3 New Eligibility Criterion In addition to persons permanently residing in rural areas, any person maintaining an operative Savings Bank Account with: 1. Post Office Savings Bank (POSB), or 2. Any Scheduled Bank in India shall also be eligible to purchase RPLI, subject to compliance with the applicable RPLI provisions. ### 2.4 Effective Date The instructions shall come into force with immediate effect from 14.08.2026 and shall remain applicable until further orders. --- # 3. EXISTING RPLI ELIGIBILITY As per Rule 9(a) of the POLI Rules, 2011, RPLI covers persons who: * Are male or female; * Permanently reside in rural areas; * Are ordinarily residents in India; * Have attained majority. Foreigners and Non-Resident Indians are excluded under the stated rule. The new operative Savings Bank Account criterion has been added as an additional eligibility route. --- # 4. OPERATIVE SAVINGS BANK ACCOUNT ## 4.1 Meaning of Operative Savings Bank Account A Savings Bank Account shall be treated as “Operative” only when it is: * Active; * KYC-compliant; * Not frozen; * Not blocked; * Not dormant; * Not inoperative; * Not closed. ### 4.2 Scheduled Bank Account – 24-Month Transaction Requirement In the case of a Scheduled Bank Account, there must be at least one customer-initiated transaction during the preceding 24 months. ### 4.3 POSB Account For a POSB account, the status reflected in the Core Banking System (CBS) shall be treated as conclusive and binding. ### 4.4 Scheduled Bank Account For a Scheduled Bank account, the status or classification assigned by the concerned bank shall be relied upon as authoritative. --- # 5. 24-MONTH TRANSACTION WINDOW For Scheduled Bank accounts, at least one customer-initiated transaction must have taken place during the preceding 24 months. ### Example If the RPLI proposal is submitted on 14.08.2026, the relevant 24-month period is: 15.08.2024 to 14.08.2026 Therefore: | Last Transaction Date | Operative Status | | --------------------- | ---------------- | | 10.03.2025 | Operative | | 01.06.2024 | Not Operative | | 15.08.2024 | Operative | A transaction falling within the preceding 24-month period qualifies for the purpose of determining operative status. --- # 6. ACCOUNT NUMBER ALONE IS NOT SUFFICIENT An RPLI proposal shall not be accepted solely on the basis of the Savings Bank Account number furnished by the proposer. The operative status must be established through an acceptable Physical/Digital proof.0,25%
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  • 30 мая 2025 г.Army Postal Service #DigitalLeap with Department of Posts Army Postal Service Corps, in step with #IndianArmy’s technological leap, launches Meghdoot Millennium - a real-time, secure, Army-tailored postal software by Centre for Excellence in Postal Technology, #Mysuru. The software was inaugurated by Ms Vandita Kaul, Secretary, Department of Posts & Lieutenant General VMB Krishnan, Quarter Master General on 27 May 2025.0,11%