sbi officers’ service conditions at a glance 2018 - gratuity · of “sbi officers service...

SBI OFFICERS’ SBI OFFICERS’ SERVICE CONDITIONSSERVICE CONDITIONS

AT A GLANCE 2018AT A GLANCE 2018

SBI OFFICERS’ SERVICE CONDITIONS

AT A GLANCE 2018

With best compliments from :

SBI OFFICERS’ ASSOCIATIONSBI OFFICERS’ ASSOCIATIONSBI OFFICERS’ ASSOCIATION( LUCKNOW CIRCLE )( LUCKNOW CIRCLE )( LUCKNOW CIRCLE )

gekjs izsj.kklzksr

dkejsM vks- ds- fuxe(1939-1984)

Our Motto

ii

We officers associated with the compilation of SBI Officer'sservice condition at a glance 2017 have tried our best to

present the booklet error free. However, respective circularsmay be referred for any interpretation / clarification

Disclaimer

ACKNOWLEDGEMENT We are grateful to our friends of “OKAY TEAM”, the dedicated volunteers from the Nu rse ry o f ou r g rea t l eade r Late Comrade OK Nigam and our all time great General Secretary Comrade Dinesh Chandra, as they contributed their valuable time in editing and updating this “SBI Officers’ service condition at Glance 2018" without their efforts it was next to impossible to get it publish on time. We are also thankful to Comrade Atul Swaroop, ex-General Secretary, who dedicated his valuable time in edition and compilation of this Booklet.

Pawan KumarGeneral Secretary

Our Motto throughout Circle is to serve the organization and its members with entire devotion and dedication and providing his services to all selflessly.

iii

Dear Comrade, It gives us immense pleasure to present latest edition of “SBI Officers Service Conditions at a Glance 2017” before you on the occasion of New Year 2017. Since 1992, we are regularly publishing this booklet for the benefit of our beloved members and this is our endeavour to keep it updated with reference of relevant circulars to make it more handy and useful. Comrade, after taking over in April 2015 our team is continuously struggling on the self respect and work life balance at circle and Federation levels. Bank Management has recognized our efforts and issued a circular No. CDO/P&HRD-IR/54/2017-18 dated 30 October 2017 giving thrust on work life balance of officers. During the conclave of senior officers of circle and Bank held during the month of December 2017, DMD & CDO of Bank has emphasized a lot on work life balance and showed his annoyance to the circle where still working on Holidays are in practice. We trust that with the positivity of the top Bank Management, we will achieve better work life environment in near future and will make our SBI, a better place to serve. In this connection, it is our duty to complete all assigned tasks well in time and to maintain decorum in office. This would have not been possible without moral & vibrant support of all of you. Today we have bigger challenges and we will fight out these issues with our rock like solidarity for which participation of each one of you is solicited. As an individual, our capabilities are limited but as a collective unit, we are very strong and we will have many more feathers in our cap in the day to come. With warm New Year wishes. Yours Comradely,

(Pawan Kumar)General SecretaryMob.: 9453013108

E-mail: [email protected]

(V.K. Awasthi)President

Mob.: 8765983435

iv

K.K. TIWARI

KUMAR

v

KUMAR

CONTENTS

1. Appointment, Probation, Confirmation

& Promotions 1-11

Probation 1

Promotion 3

Assignments 8

2. Salary & Allowances 12-28

Fitment Formula 14

Other Allowances 22

3. Lease, Furniture & Entitlements 29-55

Leased Residential Accommodation 29

Furniture & Fixture 33

Entertainment 42

Other Entitlements 43

Group Insurance Scheme 51

4. Leave , LTC & HTC 55-72

Leave Travel / Leave Fare Concession 55

Leave 62

Encashment of Leave 71

5. Transfer, TA & HA 73-81

Halting Allowance On Permanent Transfer 73

Boarding & Lodging 78

vi

vii

EDITORIAL TEAM

NAME MOBILE NO

V.K. AWASTHI 8765983435

AJAY SAXENA 9919553377

SANJAY YADAV 9450713970

PAWAN KUMAR 9453013108

ARUN SRIVASTAVA 8795824370

ANIL KUMAR GAUTAM 8756996588

R.K. SAJJAN 9415173057

R.P. SINGH 9919249242

RAKESH KUMAR 9450110888

R.K. ASTHANA 9450410343

RAMA SHANKAR HARIJAN 9918542900

SANJIV AGARWAL 8795837426

AANAND ASTHANA 9450202727

ANIL SINHA 9532112266

N N TANDON 9412761867

RAJ KAPOOR 7706009218

ARVIND KR. DWIVEDI 9450178372

HARI RAM PANDEY 9455905820

K.K.CHAUBEY 9451719087

viii

6. Loans & Advances 82-98

Motor Cars/Motor Cycles/Scooter/Motor Car 82

Personal Loan 83

Advance Against Provident Fund 87

Individual Housing Loan Scheme 88

7. Medical 99-106

Reimbursement of Medical Expenses

8. Retirement, PF, Pension & Gratuity 107-121

Revision of Pension Scheme 108

SBI Pension Scheme Inclusion of FPP 112

In Basic Pension

Welfare Scheme for Retired Officers 118

9. Service Rules, Penalties & 122-129

Effect of punishment

Service Rules 122

Major & Minor Penalties 124

Effect of punishment 126

10. List of Guest Houses 130-136

1

I. APPOINTMENT, PROBATION, CONFIRMATION & PROMOTIONS

The Bank did not have a fixed policy for appointment, probation, confirmation and promotions. It is only after the formation of the Association & Federation policies have been arrived at and periodically revised.

All appointments in, and promotions to the officers' grades shall be made by the Competent Authority in accordance with the policy or / guidelines if any, laid down on this behalf by the Central Board or Executive Committee.

APPOINTING / PROMOTING AND APPELLATE AUTHORITY :

PROBATION :

a. Probationary Officer / Trainee Officer 2 years

b. Others promoted to JMGS-I / MEs 1 year

c. Any other person appointed to any grade including the JMGS-I [Law/Security Officers / Engineers, etc.] 2 years. In case of contract appointment as decided by the concerned Appointing /Promoting Authority.

CONFIRMATION :

a. On satisfactory completion of training, an officer shall be confirmed in the Bank's service.

b. If in the opinion of the Competent Authority, an officer has not satisfactorily completed training the officer's probation may be extended by a further period not exceeding one year.

c. In case of Probationary Officers,

MMGS II to MMGS III

MMGS III to SMGS IV

SMGS IV to SMGS V

Promotion for

JMGS - I

JMGS I to MMGS II

Appellate Authority

CGM

No provision for Appeal

CGM

DMD & CDO

DMD & CDO

Appointment/PromotingAuthority

SENIOR GM (NW)

SENIOR GM (NW)

SENIOR GM (NW)

CGM

CGM

2

they have to pass a screening test for confirmation. Those who get 60% or more mark in the screening test will be confirmed as Scale II officers, after an Interview/Groups Discussion whichever is later.

d. Probation period of POs/TOs who fail in the confirmation test will be extended by 6 months. A second test will be conducted within 6 months of the first test. Second test will be only for judging suitability for confirmation in Scale I. In case they fail in second test POs service will be terminated. TO will be reverted back to clerical cadre.

The Probation period of Management Executives is of one year and a confirmation test will be held after ten months of their appointment. The candidates securing min.50% marks (45% for SC/ST/PWD) in the written test shall be confirmed as MMGS II and those secure 75% or more marks in the written test, Group discussion and Interview will be considered for placement in MMGS II on the basis of appraisal of one years job performance after confirmation in MMGS II.

However the probation period of candidates securing less than 50% (45% for SC/ST/PWD) will be extended by 6 months during which period candidates will have to write a second test. If in the second test they achieve the above marks will be confirmed in MMGS II only. The candidates who are unsuccessful in the second confirmation will be confirmed as JMGS I at the starting pay of the scale.

COMMON WRITTEN TEST FOR CONFIRMATION / PLACEMENT IN JMG / MMG II

A common written test is conducted to evaluate the suitability of probationary / trainee officers for confirmation in JMG I and for placement of Probationary / Trainee / JMG I officers in MMGS II.

The pattern of written test to provide for equal

CDO/P&HRD-CM/

34/2014-15dated

25.08.2014

3

weightage to both the descriptive and objective portions of the test.

The revised pattern of the written test is w.e.f. 01.04.2015. Officers to acquire the qualification of ACE, CIF and SP they will get 3 grace marks for each of the above qualification acquired by them and the same will be added to the total marks secured by the officers in the confirmation test.

PROMOTION : PROMOTION YEAR : Each financial year beginning

st st1 April and ending 31 March.

DATE OF EFFECT : From the date of declaration of result or date of approval of the promotions by the Appointing/Promoting Authority.

DATE OF ELIGIBILITY : 1st April of the relevant promotion years.

OPTION : Such of those officers who do not find themselves well equipped to participate in the Normal Channel or Merit Channel, may opt out of the promotion exercise for the concerned promotion year, or for more than one year, at their volition, by submitting an application on the lines of the format given in Circular CL/CirDO/P& HRD/51/2003-2004

thdated 15 September 2003. In the absence of their option, the Bank will presume that the officer wishes to participate in the promotional process. If he does not later on participate in the entire promotion exercise or absents himself at any of the stages thereof, he will be deemed to have lost one chance, irrespective of the reason for which the officer absents himself. Officers upto SMG Scale-IV may also opt out of participating from all future promotions, by submitting a letter on the specified format. The officers exercising such option would not be permitted to participate in the process for promotion to next higher grade in future. However, this category of Officers may review their option and

e Circular No. CDO/P &HRD-

IR/54 of 2014-15dated

28.10.2015

4

give willingness to participate in future promotion process to the next higher grade after expiry of two (2) years from the date of option to opt out.

ZONE OF SELECTION (ZOS) : All the officers in Zone of Consideration will be listed in the descending order of merit and number of officers thrice (3 times) the number of vacancies taken from top of the merit list will form the ZOS. In case more than one officer secures the marks equivalent to cut off mark, all such officers will enter the ZOS even if the number exceeds the stipulated 3 times. The ZOS shall be decided on the basis of Promotion Appraisal Form score for SMGS IV & V. For MMGS II & III the composite score of PAF and written test is considered.

ZONE OF CONSIDERATION : All Officers who qualify the eligibility criteria and have not opted out of the promotion process not exhausted all chances etc; and who score atleast 40% in the written test shall constitute Zone of Consideration.

PAF (Promotion Appraisal Forms) : Promotion Appraisal Forms will be prepared on all officers who are eligible to participate in the promotion process and have not opted out. The system of awarding trait marks by an internal screening committee has been introduced for promotion to SMGS IV & V. For promotion of MMGS II & III, AARFs of the relevant years and the certificate of the recommending authority on PAF shall be considered.

CONCESSION TO SC/ST OFFICERS : SC/ST Candidates who qualify in written test and are Senior enough in the Zone of Consideration so as to be within the number of vacancies will be placed in the select list without interview.

SCREENING PROCESS : Officers in JMG I who have completed two years of service in this grade are eligible for consideration of placement in MMG II under screening process as applicable to PO/TO.

5

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10

DEBARMENT POLICY :

a. Officers who fail to appear in interview without reasonable cause will be deemed to have forfeited an opportunity for promotion for the relevant year only.

b. In case of unconditional or conditional refusal of promotion, the officers would be entitled to withdraw the same after a lapse of two years from the date of the letter. On such withdrawal, the officer would be considered for promotion in normal course, till such time the officer would be debarred from officiating chances.

c. The Sealed cover procedure is applicable in respect of promotions to the next higher grade/scale only to the officers in JMG I to SMG V against whom disciplinary action is pending or contemplated.

Mandatory Assignment for Promotion

MMGS-II NIL

MMGS-III 2 years service in rural / semi urban Branches

SMGS-IV 3 years service in rural / semi urban Branches

SMGS-V Minimum 4 years Branch experience (excluding p r o b a t i o n p e r i o d ) i n a n y vertical(NBG/CAG/SAMG/MCG/IBG), out of which minimum 2 years as Branch Manager in Scale–II / III /IV incumbency Branch.

e circular No. CDO/P&HRD/

CM/51/2016-17dated

21.07.2016.

PERSONS WITH DIFFERENT ABILITIES (PWDA)-EXEMPTION FROMMANDATORY RURAL / SEMI-URBAN ASSIGNMENT

e-Circular No. :CDO/P&HRD-

PM/10/2017–18dated

02.05.2017

We reiterate and clarify that in the matter of benefit of reservation there is no distinction between persons acquiring disability before or after entering into service.

AARF SCORE / CDS SCORE Promotion to Scale–II, Merit ChannelTotal score of 240 or more (with at least 60 in AARF / Grade B in CDS) in the best 3 out of last 4 years AARF / CDS in present grade.Seniority cum merit channelThe minimum AARF score in any year is 60 or C D S grade B in each of best 4 out of last 5 years of AARF / CDS in present grade

MMGS- IIIMerit Channel- Total score of 225 or more (with at least 60 in AARF Grade ‘B’ in CDS) in the best 3 out of 4 years AARF/CDS in present grade.Seniority cum merit Channel - as for scale - II

SMGS-IVMinimum AARF score of 80 or CDS Grade 'A' or a total of 270 or more in the best of 3 out of last 4 years AARF 360-Score / CDS Score in present grade

SMGS-VMinimum AARF score of 80 or CDS Grade 'A' or a total of 360 or more in the best of 3 out of last 4 years AARF Score/CDS Scores in present grade.

11

Circular No.CDO/P&HRD-

CM/49/2016-17dated 21.07.2016.

Circular No.CDO/P&HRD-

CM/50/2016-17dated

21.07.2016.

Therefore, the benefit of RUSU exemption should also be extended to employees who acquire disability after entering into service subject to submission of valid certificate of disability.

One-time adjustment to be made in the inter-se seniority of officers from erstwhile Associate Banks while reckoning their eligibility for their next promotion.

e-Circular No. :CDO/P&HRD-PM/24/2017-18

Dated :19.06.2017

e-ASSOCIATE BANK

For officers of erstwhile ABs in Scales I,II and II- No adjustmentFor officers of erstwhile ABs in Scales IV & V Additional 1 yearFor officers of e- ABs in Scales VI & above Additional 2 years

Scales Adjustments

e circular No. CDO/P&HRD/IR/24/2015-16

dated 26.06.2015

SC

ALE

OF

PA

Y (

w.e

.f. 0

1/11

/201

2)

Sca

le I

-

2370

0

980

3056

0

1145

32

850

1310

42

020

7

2

7

Sca

le II

-

3170

5

1145

3

2850

13

10

4598

0

1

10S

cale

III

- 42

020

1310

48

570

1460

51

490

5

2

Sca

le IV

-

500

30

1460

55

870

1650

59

170

4

2

Sca

le V

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5917

0 16

50

6247

0 18

00

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0

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VI

- 68

680

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12

II. S

AL

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Y &

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ES

4. Such adjustment is to be given effect for five Associate Banks, for their first promotion from their present grade existing at the time of merger. For any other purpose for reckoning inter-se seniority, no adjustment shall be made between officers from SBI and those from erstwhile Associate banks.

13

1 2 3 4 5 6 7 8 9

10

11

12

13

14

15

16

17

18

19

20

+1

+2

+3

+4

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14

50

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15

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16

90

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18

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14

FITMENT FORMULA ON PROMOTION FROM CLERICAL STAFF TO OFFICER'S CADRE. PROMOTED ON OR AFTER 01.11.2012Consequent upon the wage revision of workmen staff under 10th Bipartite settlement as also change of Officers' Service Regulations with effect from 1st November 2012, restructuring of the existing formula for salary fitment of post revision promotees was necessary. The salient features referred herein given on the annexure enclosed to the referred circular are furnished below :-



07.04.2017

Fitment Table:a- Fitment table given in Annexure-A of Circularb- If at any time, the basic pay of an officer is lower than the basic pay to his/her basic pay in the clerical scale, appropriate adjustment will be made in the Officers' basic pay as per the Fitment table.Anniversary Date of Increment:c. The promotee officer after fitment will draw next increment in the Officers' scale on the anniversary date of his/her last increment in clerical cadre.d. Those who were drawing a basic pay upto and

thinclusive of the 9 stage in the clerical scale, given in the Fitment table, will be fitted at the minimum of the officers' scale and will draw their next increment on the anniversary date of promotion.e. Those who have completed more than one year at basic pay of Rs. 31,540/-, Rs.32,850/-, Rs.34,160/-, Rs.35,470/- and Rs.36,780/- will draw their next increment immediately on fitment at the corresponding stage will draw their annual increment on the anniversary date of promotion.f. Those who have completed less than one year at basic pay of Rs.31,540/-, Rs.32,850/-, Rs.34,160/-, Rs.35,470/- and Rs.36,780/- will draw their next increment immediately on fitment and will draw their annual increment on the anniversary date of last increment in the clerical scale.CAIIB Increments:If the employee has passed JAIIB or CAIIB at the time of his/her promotion, notional basic pay will be arrived at after reducing the increments earned for passing JAIIB/CAIIB, from the clerical basic pay. He / she shall then be fitted in the Officers' Scale in accordance with the

15

above table and appropriate one or two increments in the Officers' Scale shall be added with basic pay so fixed. The date of increment will be determined as per clause iii (Anniversary Date of Increment) above.

Protection of FPP:

a. In case of those officers who have been promoted to JMGS-I on or after 01.11.2012, after drawing FPP in clerical cadre, he/she would continue to get the same amount of FPP in JMGS-I till such time he/she reaches the maximum in JMGS-I scale. On completion of one year at the maximum of the JMGS-I scale, he/she shall be eligible to get FPP as applicable to the higher scale.

b. The payment of FPP shall be made to him/her in the officer scale from the date the employee would have notionally received the FPP in the clerical scale or 01.11.2012, whichever is later.

Accordingly, effective from 01.11.2012, the FPP will NOT be considered for the purpose of computation of Adjusting Pay and instead will be protected separately as mentioned above.

Adjusting Pay:

a. If at any time the difference between the basic pay as an officer and the aggregate of clerical basic pay and PQP, that he/she would have been actually in receipt of or notionally entitled to, is lower than Rs.3,970/- w.e.f 01.11.2012, an Adjusting Pay equal to the shortfall shall be paid to him/her.

b. Adjusting Pay, determined annually on the anniversary date of the annual increment in the officers' scale or when on account of acquiring professional/educational qualification etc., the exercise of re-determination of Adjusting Pay will be done till an officer is notionally in receipt of the last stagnation reliefs in clerical emoluments or when there is no shortfall as stated above and till Adjusting Pay becomes zero.

Personal Allowance:

In case of the officers who are already drawing Personal allowance of Rs.800/- p.m. and those officers who will be eligible for Personal Allowance after 01.11.2012, the amount of such Personal Allowance shall be revised to Rs.1310/- p.m. w.e.f 01.11.2012. The said Personal allowance will be payable till the officer reaches the basic pay of Rs.57,330- in MMGS-II. Thereafter, the Personal Allowance of Rs. 1310/-will be tapered off at the rate of ½ of the allowance in two installments against future increments.

16

e Circular No. CDO/P&HRD-IR/37/2016-17

dated24.06.2016.

CAIIB - INCREMENTPart I - 1 increment in the ScaleBoth parts - 2 increments in the ScaleAUTOMATIC MOVEMENT:Officers in Scales-I & II shall be allowed to earn further increments, including stagnation increment in the next higher scale one year after reaching maximum in the respective scale subject to crossing of an efficiency bar, which shall apply in the following cases:a. where an officer is under suspension;b. where a disciplinary action has been initiated against an officer; andc. Where an officer employee has earned an adverse remark from the Reporting Authority in the reporting year preceding the date on which the officer is due to cross the Efficiency Bar and the same has been conveyed to him.Automatic Movement in the next higher scale shall not amount to promotion and the officer in receipt of such movement shall not be given any privileges, perquisites, duties, responsibilities or posts of the higher scale. Such “moved” officers, when they are given actual duties of Scale-II or III shall be entitled to draw Officiating Allowance. Moved officers, who are provided quarters / leased accommodation, shall be required to pay 2.5% of first stage of scale in which they draw increment.STAGNATION INCREMENTSOfficers in JMG Scale I who have moved to scale of pay for MMG Scale II after reaching maximum of the higher scale shall be eligible for four stagnation increments for every three completed years of service of which first two shall be `. 1,310/- each and next two ̀ .1,460/- each.Officers in MMG Scale II who have moved to scale of pay for MMG Scale III after reaching maximum of higher scale shall be eligible for three stagnation increments of ̀ . 1,460/- each for every three completed years of service and a fourth Stagnation increment of Rs. 1460/- two years

Other Instructions:i. The inter-se anomalies, if any, would be looked into

on case-to-case basis.ii. Each case of payment of Adjusting Pay and Personal

Allowance will require to be approved/sanctioned by the authority empowered to sanction increments.

17

STAGNATION INCREMENT FOR OPTED-OUT FOR PROMOTIONS :-• The officers who opted - out or

refuse Promotion will not be eligible for the following :-

• Increments in the higher grade (to which the officials has refused / opted out for the promotion) in running scale of pay.

• Stagnation increment on reaching the maximum in their scale of pay.

• PQP in lieu of regular increments or reaching the maximum in their scale of pay.

• The officials who subsequently opt for the promotion to next higher grade will be allowed the increment PQP in the running scale from the date of his annual increment falling due subsequent to the date of appearing for the promotion exercise.

DEARNESS ALLOWANCE: On and from 1.11.2012, Dearness Allowance shall be payable for every rise or fall of four points over 4440 points in the quarterly average of the All India Average Working Class Consumer Price Index (General) Base 1960=100 at 0.10% of PayHOUSE RENT ALLOWANCE : (w.e.f. 01/11/2012)(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' and State of Goa. 8% of pay.

e Circular No. CDO/P&HRD-

PM/68 of 2013-14dated

05.02.2014



26.06.2015



02.09.2015

after receipt of third stagnation. Provided that officers who have completed two years or more after receipt of the third stagnation increment will get their fourth stagnation increment. w.e.f. 01.05.2015Officers in substantive MMG Scale III i.e. those who are recruited in or promoted to MMG Scale III shall be eligible for five stagnation increments of ̀ . 1,460/- each for every three completed years of service and fourth & fifth stagnation increment of Rs. 1460/- two years after receipt of the third stagnation increment will get the fifth stagnation increment w.e.f. 01.05.2015. Officers in SMGS-IV shall be eligible for one stagnation increment of ` 1,650/- three years after reaching the maximum of scale. w.e.f. 01.05.2015

18

(iii) Other places 7% of pay w.e.f. 01.03.2011, The arears for the purpose of HRA has been classified / upgraded based on the 2011 census figure.

HRA ON PRODUCTION OF RENT RECEIPT

If an officer produces a rent receipt, the House Rent Allowance payable to him/her shall be the actual rent paid by him/her for the resident ial accommodation in excess over 0.75% of pay in the first stage of scale of pay in which he/she is placed with a maximum of 150% of House Rent Allowance payable as per aforesaid rates mentioned in Column II above.

NOTE : The claims of officers/employees for House Rent Allowance linked to the cost of their ownership accommodation shall also be restricted to 150% of House Rent Allowance as hitherto and fifth stagnation increment of `. 1,460/- two years after of the fourth stagnation increment will get the fifth stagnation increment . w.e.f. 01.05.2015.

PAYMENT OF HRA ON CAPITAL COST BASIS

If an officer has been permitted to retain his family at his own house constructed out of Bank’s finance at a place of his choice, he will be permitted to draw HRA on Capital Cost Basis at the rate applicable to the place of posting or to the place where his own house is situated whichever is lower.

CITY COMPENSATORY ALLOWANCE (w.e.f. 1-11-2012)



26.06.2015

Area Rate Max Amount

Places in Area 1 and In theState of Goa

4% ofBasicPay

` 870/- p.m.



02.09.2015

Places withpopulation of5 lakhs & overand StateCapitals, Chandigarh,Pondicherryand Port Blair

3% ofBasicPay

` 600/- p.m.

SPECIAL ALLOWANCE (w.e.f. 1.11.2012)

Officers shall be paid Special Allowance as under :-

Scale I - III - 7.75% of Basic Pay + applicable Dearness Allowance thereon

Scale 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 superannuation benefits. Viz Pension including NPS, PF & Gratuity.

PROVIDENT FUND

Officers of State Bank of India will continue to be covered by Contributory Provident Fund Scheme as hitherto as per which the officers contributes 10% of basic pay and an equal amount is contributed by the bank.

PENSION FUND

Officers in service of the Banks as on 1st November 2012 and who have retired thereafter but before 25th May 2015 and who had opted for commutation of pension will have an option not to claim incremental commutation or revised basic pension will have an option not to claim incremental commutation on revised basic pension.

The Bank provides 10% of the basic pay of each member of the pension fund as provision for pension. The provision is made at the Corporate Centre.

19

20

NEW PENSION SCHEME :-

Officers who joined the Bank on or after 01.08.2010 are covered under the New Pension Scheme. The Officer contributes 10% of his basic +DA to the pension fund and an equal portion is contributed by the Bank.

Due to the persistent efforts of the Federation, SBI is the only Bank where we have contributory Provident Fund and New Pension Scheme.

FIXED PERSONAL PAY [FPP] (w.e.f. 01.11.2012)

On and from 1st November, 2012. Fixed Personal Pay together with House Rent Allowance shall be at the following rates and shall remain frozen for the entire period of service.



26.06.2015

231

214

196

180

159

143

(B)

DA as on01.11.2012

(in `. )

2120

1960

1800

1650

1460

1310

(A)

Increment Component

(in `. )

2351

2174

1996

1830

1619

1453

Total FPP payablewhere bank's

accommodationis provided

(C)

NOTE :

(i) FPP as indicated in “C” above shall be payable to those officer employees who are provided with bank's accommodation.

(ii) FPP for officers eligible for House Rent Allowance shall be “A”+“B” plus house rent allowance drawn by the officers employees on the last increment of the relevant scale of pay.

(iii) The increment component of FPP shall rank for superannuation benefits.



26.06.2015



26.06.2015

(iv) Only the Officers who were inthe service of the Bank on or before 01.11.1993 will be eligible for FPP one year after reaching the maximum scale of pay they are placed.

(v) W h e n a n e m p l o y e e i s 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 when FPP 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 sanctioned FPP as applicable to the higher cadre/scale in which he is placed.

PROFESSIONAL QUALIFICATION PAY-PQP (w.e.f. 01.11.2012)

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

i) Those who have passed only CAIIB Part I / JAIIB ̀ . 670/- p.m. one year after reaching top / maximum of the scale.

ii) Those who have passed both parts of CAIIB

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

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

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

e Circular No.CDO/P&HRD-IR/42/2010-11

dated06.10.2010

21

4% of Pay with a maximum of `. 2,000/- p.m.

An officer deputed to an organizationat the same place or to the training

establishment of the Bank(not applicable in case of

non-teaching staff)

An officer deputed to serve outside the Bank

7.75% of pay with maximum of `. 4,000/- p.m.

Places with an altitude of 3000 metres and above

Places with an altitude of 1000 metresand above b ut less than 1500 metres

and Mercara Town.

Places with an altitude of 1500 metres and above but less than 3000 metres.

PLACE

2% of Pay subject to aMaximum of Rs. 750/- p.m.

2.5% of Pay subject toMaximum of Rs. 1000/- p.m.

5% of Pay subject to a maximum of Rs.2000/-p.m.

RATE

22

OTHER ALLOWANCES :

I) DEPUTATION ALLOWANCE (w.e.f. 01.06.2015)

ii) HILL AND FUEL ALLOWANCE: (w.e.f. 01.11.2012)

e Circular No.CDO/P&HRD-PM/62/2016-17

dated06.09.2016.

REIMBURSEMENT OF OUT OF POCKET EXPENSES

Officers, who are posted at Airport Offices, Service Branches, MICR branches and SWIFT Centre and are required to work before 8 a.m. or after 8 p.m. are reimbursed out of pocket expenses @ ̀ . 300/- per day for the days they work before 8 a.m. or after 8 p.m. Further, officers at branches having extended business hours i.e. branches which remain open for business before 8.00 a.m. or after 8.00 p.m. are also reimbursed out of pocket expenses for the days they work before 8.00 a.m. or after 8.00 p.m.

23

DISCOMFORT ALLOWANCE [Rule 23(xi)] :

In terms of Rule 23 (xi) of SBI Officers' Service Rules, if an officer is required to work in shifts involving hardships or has to perform onerous duties beyond normal working hours, he shall be paid a discomfort allowance. The categories of officers to whom such allowance can be paid and terms and conditions of such payment will be decided by the Managing Director. At present, all Liaison Officers and Security Officers are paid discomfort allowance @ ̀ . 3000/- per month from 01.06.2013.

SPECIAL COMPENSATORY ALLOWANCE [SCA] :

All officers who are in service on or before 23.07.2003 and already in receipt of SCA with effect from 1.11.1993 will be paid with effect from 01.10.2001. SCA will not rank for DA, CCA, HRA and superannuation benefits

I) Charges reimbursable towards tea/snacks/breakfast Period of detention upto 2 hrs 150 during the office hour Beyond 2 hrs 300 Working days Holidaysperiod of detention upto 3 hrs 250 500and / or after office hours upto 6 hrs 500 1000 more than 6 hours 750 1500ii) Discomfort allowance for liaison officers, security officers & fire officers Revised to Rs. 4000/- w.e.f. 01.11.2016 + Uniform

Circular No.CDO/P&HRD-PM/75/2016-17

dated05.11.2016.

OUT OF POCKET EXPENSESTO LIAISON OFFICERS ARE REVISED 01.11.2016

Amount of SCA

`. 575/-

`. 650/-

`. 700/-

`. 850/-`. 1,000/-

Revised Basic

`. 23,700/- - `. 38,090/-

`. 39,400/- - `. 45,950/-

`. 47,260/- - `. 48,570/-

`. 50,030/-

`. 51,490/- onwards `. 85,000/-

Amount of SCA

`. 225/-

`. 300/-

`. 450/-

Revised Basic

`. 23,700/- - `. 38,090/-

`. 39,400/- - `. 50,030/-

`. 51,490/- & above

24

SCA payable with effect from 1.10.2001 of date or joining which ever is later to those Officers who are in the service of the Bank on the date of signing the settlement i.e. on 23.07.2003 and pre-revised not in receipt of SCA as under:

The different stages of the pay ranges indicated above are as per the Salary / Wage Revision made effective from 1.11.1987 and the SCA shall remain at the existing rates with reference to these Pay Scales only and will not undergo any change on the revision in Pay Scales.

CLOSING ALLOWANCE [Rule 23 (vii)]:

Closing Allowance is @ `. 250/- for each half yearly closing only to such offices who are posted at

stbranches where books are closed half year on 31 thMarch and 30 September. Officers under suspension

and those who are posted at Administrative Offices or at other offices where no closing of book is involved are not eligible for the allowance.

OFFICIATING ALLOWANCE: [Cir.D.O.Per.No.11 dated 10.5.2002]

If an officer is required to officiate in a post in higher grade / 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 / she shall receive Officiating Allowance equal to 6 % of his / her basic pay, for the period he / she officiates. Such allowance will rank for Provident Fund and not for other purposes. The allowances will be paid on a pro-rata basis if number of days officiated is less than a month.

25

Officiating Allowance is not payable while on leave [even Casual Leave], on deputation, training or while taking new assignments, etc.;

Where an officer is called upon to officiate in a higher grade position on more or less regular basis without stipulating any fixed period, apart from the allowance, he would get such entitlements that go with the post or grade to which the post is categorized:

a. Residential accommodation

b. Conveyance [not for journeys outside the HQ on official duty, LFC/HTC]

c. Halting Allowance

d. Personal Entertainment [permitted on pro-rata basis]

e. Newspaper

f. Casual Labour

g. Telephones / Brief Case

The benefits will not be provided in case of officiating as a stop gap arrangement.

FOOT ALLOWANCE:

`. 1.20 per km. for journey undertaken on foot to the places which are not connected by motorable roads and when public conveyance such as buses, auto-rickshaw do not ply.

SPLIT DUTY ALLOWANCE [Rule 23 (viii)]: wef 01.11.2012

If the working hours of an officer during a day are split with a minimum interval of 2 hours, a Split Duty Allowance of `.200/- p.m., shall be payable. This allowance will not rank for payment of DA or any other benefit but will be taken for computing encashment of leave.

PROJECT AREA ALLOWANCE: (w.e.f.01.11.2012)

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

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

26

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1 2 3 4 5 6 7 8 9

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1 2 3 4 5 6 7 8 9

10

11

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++

++

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++STAGE

1 2 3 4 5 6 7 8

++

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++STAGE

1 2 3 4 5 6 7

++STAGE

1 2 3 4 5STAGE

1 2 3 4 5STAGE

Not

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SMG

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& R

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`. 1

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`. 1

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`. 8

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Ren

tal C

eilin

gs a

re a

s un

der

for

spec

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cen

tres

LEA

SE

D R

ES

IDE

NT

IAL

AC

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[w.e

.f. 0

1.07

.201

2]

e c

ircu

lar

No

. C

DO

/P&

HR

D-

PM

/20

/20

12

-13

d

ate

d 0

3.0

7.2

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2

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ted

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0.20

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30

*Rental ceilings for leased accommodations inclusive of Car Parking and Maintenance charge for DGM (B&O) / DGM Head of MCG / CAG Branches / Regional Managers / Branch Managers / Head of CPCs / Manager of Divisions / Relationship Managers, RMMEs and RMSEs etc.Residential Accommodation : Categorisation of CentresMajor Centre : Chennai, Kolkatta, Ahmedabad, Bangalore & HyderabadCategory A With population 7.5 lakhs and above.Category B With population 2 lacs & above but below 7.5 lacs.Category CAll other centres below 2 lakhspopulation

LEASED ACCOMMODATIONAT A PLACE OF CHOICEIn case of lease accommodation at place of choice, sanction of lease proposal including rent shall be obtained from the RBO concerted where leased accommodation is situated.Officers in Scale I to V are permitted to avail leased house accommodation at a place of choice within the country. The rental ceiling applicable at the place of accomodation will be paid if lease accomodation availed within circle.The rental ceiling applicable incase of leasing accommodation outside the circle will be the rentals applicable to the centre where the accommodation is provided or the entitlement of the place of posting, whichever is lower. However, in case of officers transferred out of Circle on account of promotion / administrative reasons, if they decide to retain the lease accommodation at the previous place of posting (place other than within the circle), the lease entitlement of that place will be applicable for one year from the date of his transfer, if the entitlement is lower at the place of posting. In such cases, after completion


dated23.05.2016.

1.

2.

3.

a)

b)

Cost of Building

12% of Capital Cost Add

Municipal Tax

Total

1/12 of Capital Cost of `. xxx Less1.75% of Starting Basic Pay of theOfficial in MMG Scale -II

House Rent Allowance Eligible:(i) 8.5% of the Actual Basic Pay Drawn by the Officer.(ii) 150% of the Above (i) :

31

of one year the entitlement will be the rental ceiling applicable to place of posting or the place of leased accommodation, whichever is lower.CALCULATION OF HRA ON CAPITAL COST BASISFor claiming reimbursement of HRA by officers staying in their own houses. HRA on Capital Cost, based on HRA payable from 01.11.2007 for an officer in MMG Scale-II drawing a basic pay of ̀ . x x x/-

Maximum HRA on Capital Cost Basis (A or B whichever is less)

LEASED ACCOMMODATION – CLOSE RELATIVES :

Though normally the officers will not be permitted to take houses on lease belonging to their close relative, the Bank may at its discretion permit the officers to avail this facility on case to case basis.

i) The house belonging to the officer, should not be permitted to be leased to the Bank for his own occupation. Further, the house belonging to the officer’s spouse as well as dependent children should also not be permitted to be leased to the Bank for his own occupation.

ii) In case the house of a relative of the officer is taken on lease for his occupation, the lease agreement must be entered into with the bank and not with the officer.

iii) While entering into lease agreement in respect of

e Circular No. CDO/P&HRD-PM/38/2015-16

dated 29.07.2015

32

CHUMMERY ACCOMODATION FOR FEMALE OFFICERSI. Chummery accommodation

is available for all female officers irrespective of grade upto scale-v provided they are posted in RUSU Centres.

Living Areain Sq. Mts.

Upto 50

51 - 60

61 - 75

76 - 90

91 - 105


106 - 120

121 - 150

151 - 180

181 - 225

226 - 300


301 - 400

401 - 550

Beyond 550

StandardRent (`)

113

135

157

209

252

StandardRent (`)

296

362

433

510

728

StandardRent (`)

901

1073

1250

house, if belonging to the close relative, Bank should stipulate the condition that when the officer is transferred to other place the Bank will continue the lease agreement as per its needs.iv) The house acquired by the relative should have been acquired by him/her from his/her own sources (not partly funded by the officer) and that it should be i n d e p e n d e n t a n d i n f u l l occupation of the officer and not shared with the relative.Recovery for Standard Rent for houses: 0.75% of the first stage of Basic Pay of the scale or standard rent whichever is lower. An additional 0.15% of the first stage of Basic Pay for furnished accommodation. Standard Rent (Effective from 1.7.1998): IBA has reviewed the standard rent and in view of the revision in rates of license fee by the Government, the following rates are applied.


PHRD/24/2015-16 dated

26.06.2015

e Circular No. CDO/P & HRD-

PHRD/48/2004-05 dated

14.01.2005)

33

ii. On 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.

iii. Recovery for availing chummery accommodation shall be at the rate of 1% of the first stage of scale in which the officer is placed, minimum Rs 500/- per month. CHRC on 01-06-2017 has approved increase in the rate to 1.75% of initial of BP for scale IV & V Rs. 900/- & Rs. 1000/- respectively.

Iv. The Chief General Manager of the Circle will be the competent authority to approve chummery accommodation in a particular centre.

FURNITURE & FIXTURE

I) The scheme is for providing furniture / fixtures at the residence of all the officers of all G r a d e s o n p e r m a n e n t employment during their probation also (Bank’s residence / lea s e d residence / residence owned by the officers and / or residence taken by the officers on rent)

ii) All officers, including officers in specialist category, in JMGS I to SMGS V who are governed by the SBI Officers’Service Rules 1992 will be eligible for availing of the facility. Officers in TEG Scales VI and above will continue to be governed by the existing provisions.

MONETARY CEILINGS FOR PURCHASE OF FURNITURE/ FIXTURES FOR VARIOUS GRADES WILL BE AS UNDER :

SMGS VSMGS V

SMGS IVSMGS IV

MMGS IIIMMGS III

MMGS IIMMGS II

JMGS IJMGS I

SMGS V

SMGS IV

MMGS III

MMGS II

JMGS I

Rs. 2,50,000/-Rs. 2,50,000/-

Rs. 1,65,000/-Rs. 1,65,000/-

Rs. 1,40,000/-Rs. 1,40,000/-

Rs. 1,30,000/-Rs. 1,30,000/-

Rs. 1,20,000/-Rs. 1,20,000/-

Rs. 2,50,000/-

Rs. 1,65,000/-

Rs. 1,40,000/-

Rs. 1,30,000/-

Rs. 1,20,000/-

Grade Scale At all Centres (furniture and fixturesincl. of transportation & cost of curtains)


dated 12.09.2013)


dated 16.06.2017)

34

All officers are eligible to purchase furniture as per the revised monetary ceiling applicable to their present grade / scale as per prescribed list.

SUB ENTITLEMENT FOR PURCHASE OF CURTAINS & MATTRESSES : (in Rs)

An officer may purchase mattresses within an over all ceiling of 20% of his entitlement of furniture.

iii. An Officer has to utilise 50% of overall entitlement on furniture items. Mattresses, Curtains, Inverter Battery shall be within the 50% of electronic items.

iv. On promotion, an officer may become eligible for higher ceiling for purchase of furniture /fixtures. In such an eventuality, he may purchase the additional items of furniture within the ceiling prescribed for his new grade and claim that additional amount from the Bank

v. 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. They would be eligible for availing of the facility for second time, subject to the condition that this facility would be given a maximum of three times in entire service career.

vi. An officer joining Bank’s service, and on his eligibility for supply of furniture, will give an application for purchase of furniture and fixture. The officer will then be paid the amount as per his entitlement by debit to Suspense A/c. Thereafter, within a fortnight, the officer will give a certificate to the Bank on a standard format, enclosing therewith the cash memo(s) / receipted challan(s) indicating the purchase and delivery of the those

22,00022,000

16,00016,000

13,00013,000

13,00013,000

11,00011,000

22,000

16,000

13,000

13,000

11,000

Grade

SMGS V

SMGS IV

MMGS III

MMGS II

JMGS I

50,000

33,000

28,000

26,000

24,000

CurtainsMattresses

35

items. On receipt of this certificate, the advance given to him earlier will be adjusted by debit to Bank’s Fixed Assets Account.

If the officer does not buy the furniture / fixtures within a month from the date of advance taken by him for this purpose, it will be deemed that he has misutilised the fund and the amount will be recovered from his salary in 10 instalments together with interest at the prevalent rate for clean overdraft and the officer will not be given the benefit of this Scheme in his entire service.

Furniture purchased by an officer will be verified by the Branch Manager / Designated officer and a certificate to this effect will be kept on record at the branch / office. An officer may be designated for the purpose by the GM (CS) / DGM & CDO, LHO/DGM (Module) for CC/ LHO/ZO establishment respectively.

vii. The officers shall not let out or otherwise part with the possession of the furniture / fixtures to any one in whole or in part till the time the ownership thereof is transferred in their names.

viii. Once the officer has been paid the amount for purchase of furniture / fixtures from the next month onward, 0.15% of the pay in the first stage of the scale of pay in which the officer is placed will be recovered from his monthly salary toward the rent.

viii. As on the 1st March every year, every officer shall submit the possession certificate to the branch /office where he is posted.

ix. 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 furniture/fixtures, no recovery shall be made from him and ownership of Bank’s furniture/fixtures will be transferred to him.

ix. Mattresses that are irrespective of their age can be carried free of cost by retiring officers of all grades.

x. In case of death of the official while in service, the family of the

36

e Circular No. CDO/P& HRD/PM/6/2010-11

dated28.04.2010

e Circular No. CDO/P& HRD/

PM/10 dated

07.06.2010

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 Bank’s book.

xi. An officer (upto SMGS V) may purchase an item without restriction on quantity from the list of prescribed items applicable as per his scale within his overall entitlement.

xii. The following electronic items have been included in the prescribed list of furniture and fixtures:

The above proposed items and changes shall be within the overall entitlement of the officer.

THE LIFESPAN OF THE FURNITURES:(reckoned from the date of purchase):

Furniture & Fixtures - 10 YearsElectronic Consumer items - 5 YearsMattresses, Curtain & Inverter Battery - 3 Years

FURNITURE MAINTENANCE :

No repairs of the furniture / fixtures, minor or major, will be undertaken by the Bank. However, annually, the officers will be eligible for reimbursement of expenses on account of repairs, charges for washing of curtains, transit insurance, (whenever furniture / fixtures are required to be transported for any reason ) etc. on certificate basis as under:

SMGS V - `. 18,000/- SMGS IV - `. 15,000/- MMGS III - `. 13,000/- MMGS II - `. 12,000/- JMGS I - `. 11,000/-

LCD TV any size

Laptop / Note Book

Refrigerator any Size

Morning Walker

AC any size

Fully Automatic Washing Machine

RO Systems

Foot Massager

e Circular No. CDO/P&HRD/

PM/30/2013-14dated

12.09.2013

37


PM/114/2008-09dated

19.03.2009

Officer may claim annual maintenance allowance on certificate basis during the financial year i.e. upto 31st March each year. However, officers will not be paid annual maintenance allowance within one year from the date of purchase of furniture for the first time.

SALE OF FURNITURE AND FIXTURES TO RETIRING OFFICERS IN ALL SCALES

As per extant instructions, at present the ownership of Bank’s furniture and fixtures is transferred to the officer at the time of r e t i r e m e n t o n a t t a i n i n g superannuation at the following rate:

1. Furniture with more than 5 years of age : Free of cost2. Items with more than 4 years of age : at 20% 3. Items with more than 3 years of age : at 40% 4. Items with more than 2 years of age : at 60% 5. Items with more than 1 year of age : at 80% 6. Items with less than 1 year of age : at 100%

In the above accounting method although the bank is provisioning for depreciation on monthly basis, this benefit is not passed on to the retiring officer. It has been decided that the depreciation of the furniture and fixtures will be calculated on the actual age of the items as on the date of retirement of the officer, by calculating the depreciation on monthly basis for the period over and above the age completed on yearly basis, for example if the age of the furniture is 4 years and 11 months the depreciation will be calculated apart from the completed age of four years for 11 months also on monthly basis.

} of the originalcost

e Circular No. CDO/HR/155

dated28.03.2009

e Circular No. CDO/P &HRD-PM/22/2010-11

dated30.07.2010


PM/38/2011 - 12dated

08.07.2011

Curtains, Inverter Batteries & mattresses, being consumable items, may be given to Officers (in all Scales) who retire on super annuation, free of cost irrespective of its age.

The electronic items that are three years old at the time of retirement of the officer may be provided free of cost to the retiree officer and the depreciated book value thereof will be written off in the books of the bank. The five year old furniture items will be provided at free of cost to the retiring officers.

Furniture and fixed assets can be disposed to existing officers of the Bank who have been laterally selected in the higher grades/posts in the Bank as Management Executive (MMGS-II), Specialist Management Executive (MMGS III) and any other directly recruited higher grade posts in the Bank as under :-

Disposal of furniture/fixed assets: The officer in pursuance of his / her appointment in higher grade will have the following options:

a) The officer will bear the cost of furniture and pay the amount before being relieved from the previous place of posting as per the following procedures:

I. In respect of officer who is confirmed in the Bank's service, the book value of furniture/fixtures will be recovered from him/her and the ownership of furniture/ fixtures will be transferred to officer concerned.

ii. The officer who is still under probation and not yet been confirmed in the Bank, the entire cost value

38

39

of furniture/fixtures will be recovered and ownership of furniture/fixtures will be transferred to him/her.

Or

b) In case the officer expresses his inability to pay the cost of the furniture and requests the Bank to transfer the balance outstanding to his new place of joining, the following procedure will be followed:

The relieving branch will debit the amount of total cost of furniture/fixtures to the branch/ office the officer is proceeding to join in his/her new assignment. Upon joining the new position, the officer shall be eligible to purchase the balance/remaining furniture/fixtures within his/her overall eligibility in the new position. However, the replacement of existing furniture will be guided according to age of furniture/fixture as per extant instructions of the Bank.

INSURANCE :

It has now been decided that the existing arrangement of insurance cost to be borne by the Bank shall continue. However, in case of transfer/shifting of furniture/ fixture the officer will have to bear the cost of transit insurance.

REIMBURSEMENT FOR PURCHASES MADE FORM OWN RESOURCES :

Normally an officer should purchase the items after taking advance from the Bank. At the time of sanctioning the advance, the eligibility of officers will be subjected to scrutiny and thereby the transaction will be as per the norms. However, in exceptional cases where an officer has purchased some items from his own resources after issuance of the Circular dated 25.01.2007 from a centre stipulated in that Circular and it is found that the purchase(s), and eligibility etc. are in order, such reimbursement may be permitted on a case to case basis.

IBTO/IBO :

Like other officers, they will also be required to keep

`. 2,900/-

`. 2,800/-

`. 2,200/-

`. 2,150/-

TEGSS II

TEGSS I

TES VII

TES VI

SMGS V

SMGS IV

MMGS III

MMGS II

JMGS I

Grade GradeRevised

(w.e.f. 01.06.2015)

`. 1,700/-

`. 1,350/-

`. 1,200/-

`. 1,125/-

`. 850/-

Revised(w.e.f. 01.06.2015)

40


dated17.06.2015

the furniture/fixtures. During the period they remain posted abroad, this scheme shall not be applicable to them. However, if some items of furniture/fixtures get more than 10 years old during their posting abroad, they shall be entitled to purchase new items in lieu thereof after they are repatriated and posted in India.

VERIFICATION OF ITEMS WHEN LEASED HOUSE IS PROVIDED AT DIFFERENT CENTRE:

In cases where an officer has been provided with a leased house accommodation at a centre other than his place of posting and he purchases the item after taking advance from his branch/office of posting, he will be required to purchase items from the centre of his leased accommodation as mentioned in the scheme and submit bills/vouchers as usual to reverse the Suspense A/c entry. An officer of the branch nearest to the residential accommodation provided to the officer should be entrusted by the controllers to verify the items and submit his report.

RECOVERY OF FURNITURE RENT :

Furniture rent recovery shall be 0.15% of the first stage to the scale of pay in which the officer is placed.

CLEANSING/DISINFECTING MATERIALS:

To all officers provided with leased h o u s i n g a c c o m m o d a t i o n , furnished or unfurnished, and to those occupying own houses constructed with Bank's finance, will be eligible for reimbursement of cleansing materials as follows :


dated 05.11.2008

41

OUT-OF-POCKET EXPENSES

i) Deputation within municipal limits: An officer, who is deputed locally and remain away for at least 4 hours including journey time, may be permitted to claim out-of pocket expenses @ half of Halting Allowances payable to him / her or `. 400/- per day, whichever is lower, subject to the following:

a. Where an officer proceeds from office – at least 15 kms., from office and 5 kms., from residence;

b. Where an officer proceeds from residence – at least 15 kms., away from residence and 5 kms., from office.

ii) SUPPLY OF BRIEF CASES [Once in 3 Years from the date of purchase, exclusive of GST wef 01/07/2017

e Circular No. CIR.DO.PER. 33/2011-12

dated 22.06.11

TEGS V

GRADE

JMGS

MMGS-II

MMGS-II I

SMGS-IV

REVISED

`. 3,000/-

`. 3,900/-

`. 4,500/-

`. 6,000/-

`. 7,000/-

INSPECTION STAFF – REIMBURSEMENT OF EXPENSES TOWARDS WOOLEN GARMENTS, BLANKETS, SUIT CASES, RAIN COATS, ETC.:

`. 6,000/- for the 1st year of Mobile Duty

`. 3,000/- p.a. for the subsequent four years of Mobile Duty

e Circular No. CIR.DO.PER. 72/2017-18

dated 18.12.2017

`. 550/-

Revised

`. 800/-

`. 840/-

`. 1,240/-

`. 1,400/-

`. 4,250/-SMGS VI

JMGS I

Grade

MMGS II

MMGS III

SMGS IV

SMGS V


dated 03.10.2016

42

CATEGORIZATION OF POSTS :Where the incumbency of Branch Manager is Scale-III and above, the positions of Accountant and Field Officer [if there are 3 Field Officers, one Field Officer should be a Scale-II] have been categorized as Scale-II.PERSONAL ENTERTAINMENT QUOTA / REIMBURSE-MENT OF ENTERTAINMENT EXPENSES


dated17.6.2015

Provision of newspaper / periodicals / magazines : (on certificate basis) w.e.f. 01.06.2015

Entertainment w.e.f. 01.10.2016Cat-I Budgetary in Specific assignment I I- Measurable & Budgetary RolesI II- Non Measurable roles

Officers of probation are also reimbursed entertainment expenses as applicable to confirmed officers


dated 14.11.2011

II. Entitlement will be decided on quarterly basis for the FY & will lapse as on 30th April of the next FY and no extension will be granted. III. During Sabbatical Leave, O f f i c i a l w i l l b e e n t i t l e d f o r reimbursement of Entertainment expenses for the full quarter, if he/ she is present in the office for any part of the quarter. IV. Officers on Deputation to other Organizations/ Associates & Subsidiaries / GOI; Probationary Officers/ Trainee Officers; Medical Officers; and Roles/

e- Circular No:CDO/P&HRD-PM/31/2017-18

Dated : 12.07.2017

43

Incentive for performance year 2016-17 for employees getting CDS grade of “AAA” & “AA” as on 31.03.2018 will be as under-


dated 12.10.2017

Performance Linked Incentive Schemes

CASUAL LABOUR CHARGES(w.e.f. 01.06.2015)

JMGSI

SMGSIV

20/- 34/- 40/- 71/-AmountPer Day

Category of Officers

MMGSIII

MMGSII

SMGSV

143/- 215/-

SMGSVI

Reimbursement can be made only if the officer has taken furni ture at the

w.e.f 01.06.07, Cir.No. CDO/P& HRD-PM/17/2007-08 and Cir.No.CDO/PM/16/CIR/1

dated 12.04.2001

Reimbursement of daily wages paid to Casual Labour to all grades


dated 17.06.2015

rdresidence for atleast 1/3 of value of his entitlement.

Assignments where position is not set in CDS/ HRMS; shall be covered under the Category-III. V. Officers retiring during the year will be entitled for the reimbursement of Entertainment expenses up to and inclusive of the quarter in which they retire.

CDS SCOREAAA

CDS SCOREAA

SMGS-VSMGS-IVMMGS-IIIMMGS-IIJMGS-I

55,00044,00030,00021,00014,000

18,50014,50010,0007,0004,500

I. No manual payment will be made at the operating levels.

ii. Payment of incentives to employees will be done centrally by the Corporate Centre through HRMS, including those eligible employees retired after 01.04.2017.

44

RESIDENTIAL TELEPHONES :

Official telephones is provided at the residence of officers depending upon the need of the Bank. Bank pays the rental charges in respect of such telephones. For each grade / scale of officer, the Bank has specified the following number of free calls over and above the usual free calls allowed by the Telephone Department:


dated19.05.2016

JMGS-I

MMGS-II & III

SMGS-IV & V

Rs. 600

Rs. 800

Rs. 1800

Uniform overall monetary ceiling forReimbursement of Residential phoneGrade

NOTE :

I) Officers of MMGS II grade and above, irrespective of their positions, may be allowed the facility of official telephone at their residences. However, the eligibility for availing telephone facility from the Bank for officers in JMGS I will remain unchanged.

ii) The Reimbursement of charges for Official Telephone & Internet/ Broadband provided at the residence of officers, at all centers, shall be available now

Respective GM for Network Branches and Departments at Network Headquarters and GM [NW] for Departments under the administrative control of CGM

Upto 12 months or completion of the academic year of dependent children, whichever is earlier

Upto 3 months

Chief General Manager

RETENTION OF HOUSE BY FAMILY MEMBERSON DEATH OF AN OFFICER:a) IN RESPECT OF OFFICERS UPTO SMGS-V :

e-Circular No.CDO/P&HRD-

PM/91/2016–17dated 13.02.2017

Cir. CDO/P&HRD-PM/73/

2013 - 14 dt. 18.02.2014

45

JMGS-I

MMGS-II

MMGS-III

SMGS-IV

SMGS-V

TEGS-VI

Officers’Grade

Rs. 500/- p.m.

Rs. 600/- p.m.

Rs. 700/- p.m.

Rs. 900/- p.m.

Rs. 1250/- p.m.*

No Ceiling

Ceiling on monthly callcharges inclusive of rent

and taxes to be reimbursedupon production of bills

Cost ceiling formobile handset

exclusive of taxes

Rs. 6,000/-

Rs. 7,000/-

Rs. 8,000/-

Rs. 13,000/-

Rs. 15,000/-

Rs. 25,000/-

with landline/ fixed line connections OR only Broadband connections OR landline/ fixed line connections along with or separate Broadband connections, within the overall monetary ceiling. However, the facility shall be restricted for the residence of the officer at the place of posting only.

iii) The Circles / Corporate Centre establishments / Offices are advised to take up with all the service providers of base telephones with whom the Bank has agreement for discounts in respect of charges on registration, security deposit, installation, shifting etc., and negotiate for extending the above facilities to the connections taken by Bank officials in their own names and where the bills are reimbursed. Further, where there is no such agreement, they are advised to enter agreements with various service providers on similar lines, as this will entail economy on expenses on account of call charges, registration, security deposit, installation, shifting etc.

MOBILE PHONE TO OFFICERS1.a. All officers who have completed 2

years of service in the Bank may be provided with a mobile handset.

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 the Competent Authority.

c. The grade-wise ceiling on cost of mobile handset and monthly call charges are as under :-

46

* For officials of SMGS-V grade holding positions of Regional Managers, Head of CPCs and other budgetary assignments, the ceiling on monthly call charges will be Rs. 1,000/- p.m. Bills can be claimed only through HRMS

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

e. I. 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 any other 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 rank of AGM. The foregoing facilities will be provided subject to above ceiling on monthly call charges.

f. It is proposed that officers on transfer shall carry the handset with them while the SIM card, which is invariably to be subscribed in the official capacity should be surrendered at the branch/office from where they have been transferred. However, in such cases where portability of number is allowed by the service provider, the officer on his/her request, may be permitted for the same subject to such terms and conditions as may be prescribed.

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

47

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

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

j. The officers will be responsible for safekeeping 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 given to the officer before expiry of 3 years of the date of purchase of handset.

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 will not bear the cost for repairs and maintenance of the handset.

l. “All officers on superannuation at the age of 60 years shall be permitted to retain the mobile handset free of cost even if purchased within one year of retirement.” w.e.f. 01.09.2016.


dated06.09.2016

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

48

CIRDO:HR:67 dated

28.03.2015


dated 07/02/2011

Professional courses like Medicine,

Engineering

Class

IV & V

VI, VII & VIII

IX & X

XI & XII

Graduation

Post-Graduation

Day Scholar

`. 1,000/- p.a.

`. 2,000/- p.a.

`. 3,000/- p.a.

`. 4,000/- p.a.

`. 5,000/- p.a

`. 7,500/- p.a.

`. 10,000/- p.a.

Scholarship can be claimedonly through HRMS Application should be submitted for grant of scholarship within a period of 6 months from the start of academic session. Award of scholarship is also permissible to the officer who died during the service.

SCHOLARSHIP TO WARDS OF OFFICERS / EMPLOYEES :

Award of Educational Scholarship: For new claims total 60% marks or more in final examination subject to minimum pass marks, in each subject is must, for renewal 55% of total marks. For physically handicapped, 40% of total marks and Rs. 200/- p.m. in addition to under noted ceilings:

49

REIMBURSEMENT OF COST ON UTILITY ITEMS:

With effect from 01.04.2015 Officers are eligible for reimbursement of cost of purchase of certain utility items of Rs. 2500 to Scale 1 to V payable in month of April every year on certificate basis.

QUALITY OF WORK LIFESilver jubilee Award : To honour the employees on completion of 25 years of service, the Bank has provided Silver Jubilee Award as under :

PER : 38 of 14.10.1996 & CDO : PER :

44 of 23.9.2000

In disciplinary proceeding cases, the officer will be eligible to be considered for the Silver Jubilee Award only after the expiry of period of rigour of punishment or the debarment whichever is longer.

e Circular No.CDO/P&HRD-

CM/65/2016-17dated

06.09.2016

JMGS I

MMGS II

MMGS III

SMGS IV

SMGS V

13,500/-

15,000/-

17,000/-

26,000/-

27,500/-

AmountCategory of Officers

50

PRESENTATION OF MEMENTO ON RETIREMENT

INCENTIVE TO INSPECTION STAFF :

a. `. 6,000/- p.a. for the first year of mobile duty and `. 3,000/- p.a. for the subsequent 4 years of mobile duty towards Woolen garments, blankets, raincoats, etc.

b. Shifting of residence: Twice during his tenure in the Inspection Department at Bank’s costs without any restriction of time.

c. Casual Leave: Inspecting official can avail Casual Leave without any ceiling of number of days.

LODGING EXPENSES WHILE ON PRIVILEGE LEAVE :

If an Inspecting official leave the station on account of any family emergency and the Privilege Leave sanctioned is for shorter period, say less than 10 days, the official is eligible for reimbursement of lodging expenses, provided he has retained the hotel room. Halting Allowance is permissible only for the preceding and succeeding holiday.STAFF WELFARE SCHEMES

GROUP INSURANCE SCHEME-STAFF WELFARE FUND

The scheme will cover all permanent employees, including permanent part time employees if any, as also those employees/officers deputed to foreign offices/other organisations inside/outside India. The insurance cover available is as under :

e Circular No.CDO/P&HRD-

CM/64/2016-17dated

06.09.2016

JMGS I

MMGS II

MMGS III

SMGS IV

SMGS V

10,000/-

11,250/-

14,000/-

22,500/-

23,500/-

Ceiling on costof MomentoScale of Officers

Risk Cover`.

4 lacs

3 lacs

RiskComponent

`.

128/-

96/-

Savings Component

`.

272/-

204/-

Total Monthly Premium

`.

400/-

300/-Officer uptoScale IVOfficer inScale V& above

51

Grade InsuredAmount

SMGS IV

SMGS V

TEGS VI

JMGS I & MMGSII & III `. 5 lacs.

`. 6 lacs.

`. 7 lacs.

`. 8 lacs.

e Circular No.CDO/P&HRD-PM/87 dated11.03.2013 &CDO/P&HRD-

MISC/80dated 14.02.2015

Nominee under the scheme shall be person nominated by the employee for his Provident Fund Account.

The nominee shall not be entitled to benefit under the scheme if it is a case of “Suicide”

GROUP INSURANCE FOR SBI STAFF-SBI LIFE SWARNA GANGA

SBI Life Introduced two plans (i) Swarna Ganga and (ii) Super Suraksha; to protect against the risk of death to any cause for self as well as spouse.

All permanent employees of SBI who have been allotted a P.F. index number are eligible to join the Group Insurance Scheme coverage of which is upto normal retirement and 65 years of age at the option of the employee

Swarna Ganga (for employee and spouse both) : Under this plan, the monthly contribution of the employee includes a savings portion which accumulates interest.

The accumulated savings portion sum is paid back to the employee upon maturity or to the nominee along with the sum Assured in the event of the employee’s death.

MONTHLY PREMIUM

52

On savings component, 5% int. p.a. upto 5 yearsand thereafter 6% (Compounded annually)

Sum Assured Monthly Premium

`. 3 lacs `. 96/-

`. 128/-`. 4 lacs

I) In the event of death of the spouse, the sum assured will be paid to the nominee (employee).

ii) Further more, the monthly installment will be paid from the salary upto the normal retirement and after that upto 65 years advance premium in respect thereof will be paid direct to SBI life annually.

iii) If death is caused due to any accident, the risk amount covered will be doubled.

UNIFORMS : LIAISON / SECURITY / FIRE OFFICER

w.e.f. from 1.06.06, the wearing of Safari Suits have been dispensed with. The Liaison Officer / Asst. Liaison Officer will be provided under noted combination of uniforms White shirt, black trousers & contrast colour formal tie. Liaison/Asst. Liaison Officer-4 pairs/3 pairs of shirts/trousers / tie respectively. Where climate reasons woolen suit is not required, one additional pair of shirts / trousers / tie / one blazer once in three years. One pair of shoes per year is also provided.

COST CEILING :

`. 4,500/- per pair (incl. ofstitching charges + taxes)

Wollen - `. 12,500/- per pair(incl.of stitching charges+taxes)

Blazer - `. 7,500/- per blazer(incl. of stitching charges+taxes)

Shoes - `. 2,500/- per pair of shoes per year.

SUPER SURAKSHA (ONLY FOR SPOUSE),MONTHLY PREMIUM

Corporate Centre Circular No.

CDO/P & HRD-PM/75/2016-17

dated 5-11-2016

53

DISCOMFORT ALLOWANCE :

Liaison / Security / Fire Officers are paid with Rs. 4,000/- as discomfort allowance.

RESIDENTIAL ACCOMMODATION FOR TRAINEE / PROBATIONARY OFFICERS

i) A Trainee Officer may be permitted during the training period to avail leased accommodation at his previous place of posting from where he is promoted or at a convenient place to keep his family.

ii) A Trainee Officer who avails of the above facility will be permitted traveling expenses in respect of his family members from a place where he was before his promotion to the place of choice, if any, as well as expenses transportation of his household luggage provided he actually shifts his family to such a place.

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

iv) On availing the facility, HRA will not be payable to the Trainee Officers. Usual recovery of 1.25% of the first stage of his basic pay will be made from his salary w.e.f. 1.11.2007.

v) A Trainee Officer who avails of this facility will not be permitted reimbursement of traveling expenses in respect of the members of his family and cost of transportation of household luggage on account of his subsequent postings during the entire training period, while his own traveling expenses would be paid as usual.

vi) At the end of training period, the Trainee Officer will be 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.

From August 2015, the scheme was modified by

54

allowing one more chance for lease with the following terms and conditions sao that TOs/ POs can avail leased house facility during their second branch as per the eligibility of JMGS I official :-

• Loading & unloading charges may be paid under these conditions on actual basis as usual.

• HRA will not be payable to the concerned Trainee Officer / Probationary Officer. Recovery at 0.75% of the first stage of scale of his / her basic pay or standard whichever is less will be made from his / her salary.

• Lumpsum amount on transfer (Packing, Transportation, insuring baggage) will not payable to these officials (POs / TOs) for the mid terms shifting in such cases.

• Lumpsum expenses towards admission fee in School / college etc of ward(s) will not payable.

• If the location of second branch training is the hometown of the official where he/she has own or parental house, no such facility of change of leased house under above terms will be available.

• If the location of second branch training is same district as of first branch training no such facility of change of leased will be available.

• POs / TOs shall not be allowed to avail change of leased house facility in other centre except for their place of second branch training.

• The above situations will be applicable to these officials (POs/TOs) up to the completion of their training period and subsequently existing rules applicable.

55

V. LEAVE, LTC & HTCLEAVE TRAVEL / LEAVE FARECONCESSION (w.e.f.1.6.2015)

a) During each block of 4 years, an officer shall be eligible for leave travel concession for travel to his/her place of domicile once in each block of two years. Alternatively, he/she may t rave l in one block of two years to his place of domicile and in another block of two years to any place in India by the shortest route.

b) Alternatively, an Officer, by exercising an option anytime during a 4 year block or two year block as the case may be, surrender and encash his/her LTC (other than travel to place of domicile) upon which he/sheshall be entitled to receive an amount equivalent to the eligible fare for the class of travel by train to which he/she is entitled upto a distance of 4500 kms (one way) for officers in JMG Scale – I and MMG Scale II & III and 5500 kms (one way) for officers in SMG Scale – IV and above.

d) An officer opting to encash his/her LTC shall prefer the claim for himself/herself and his/her family members only once during the block/term in which such encashment is availed of. The facility of encashment of Privilege Leave, while availing of Leave Fare Concession is also available while encashing the facility of LTC.

e) The mode 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

e-Circular No.P&HRD-

PM/21/2015-16 dated

17.06.2015

c) In case of LFC encashment, since there is no actual journey under taken, half of adult fare can only be claimed for children of above 5 years and under 12 years of age.


dated21.07.2016.

56

and other terms and condition subject to which the Leave Travel Concession may availed of by an officer, shall be as decided by the Board from time to time. Provide that w.e.f. 1st May 2010 an Officer in JMGS I while availing LTC will be entitled the reimbursement will be the actual fare or the applicable to AC 1s class fare by train for the distance traveled whichever is less. The same rules shall apply when an officer MMGS II and MMGS III while availing LTC where the distance is less than 1000 kms.

f) The mode 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 condition subject to which the Leave Travel Concession may be availed of by an officer, shall be as decided by the Board from time to time.

ENTITLED CLASS :

JMGS-I 1st class or AC-II class sleeper by train. w.e.f. 1st May 2010, an Officer in JMGS-1 may travel by air in the (Lowest fare economy class in which case the reimbursement will be the actual fare or A/C 1st class fare by train for the distance traveled whichever is less whileavailing LTC)

MMGS– II 1st class or AC-II class sleeper by train. & By air (economy class) if the distance toMMGS-III be travelled is more than 1000 kms. From

1st May, 2010, If it is less than 1000 Kms., the lowest air fare in economyclass or A/C 1st class fare by train for the distance travelled whichever is less while availing LTC.

SMGS-IV AC-1st class by train or by air (Economyto TEGS Class)

a) An officer may also travel by his own car with prior permission and will be reimbursed at ̀ . 9.00/- per

57

km. (>1000CC) and `. 7.00/- per km. (<1000CC) for travel on duty upto the place of domicile/ designated place, subject to a maximumof the train fare by the entitled class by shortest route.

B) The Branch Managers, while sanctioning leave for LFC, may also permit the officials working in their Branches to hire car/taxi (Non AC) or use one’s own car when on LFC. However, the above facilities for Branch Managers themselves will continue to be granted by the respective controller of the Branches. For officers working in administrative offices, such leave facilities may be sanctioned by a controller not below the rank of Asst. General Manager.

c) The time gap between the commencement of onward journey or termination of return journey by a member of the family and that of the officer should not be more than 3 months in the same block. Local sightseeing tours within the municipal limits of the designated place are not reimbursable.

d) Conveyance charges incurred for reaching airport/railway station and the place of residence, both at the points of commencement and termination of the journey, including conveyance charges at connecting points between the transport terminus, may be reimbursed on actual basis.

e) All conveyance expenses incurred in various connection points for temporary halts are also reimbursable within admissible limit.

f) The concession may be availed by an officer, by availing any kind of leave including Casual Leave.

g) Pony / Pithu / Doli Palki charges are also payable.

Cir. : PER 28of

31.08.1996

CDO/P&HRD-PM/64

Dt. 13/12/2014

58

h) Local sight seeing tours within the municipal limits of the designated place are not reimbursable even though the total cost may not exceed the permissible limit of expenditure.

i) Central Points: While undertaking in a longer / circuitous route, an officer may break his journey at one or more points and visit one or more places nearby touching the same point more than once. However, the headquarters or the designated place cannot be touched more than once because as soon as one reaches the designated place / place of domicile / head quarter, the journey is terminated and cannot be revived.

j) Surcharge / Reservation charges / Super-fast charges / Service charges: Booking of reservation through an agent / travel agency is reimbursable in addition to the entitlement of fare.

k) No carry forward/extension of LTC block.

CALCULATION OF BLOCK

i. The four year period for encashment facility in respect of officers, who were in service as on 1.10.1979 will commence from 1.1.1982.

ii. In respect of officers appointed / promoted after 1.10.1979 the first four year period will commence from respective date of appointment (who are in service in clerical cadre as on 1.10.1979).

Where an officer is not able to avail himself of the leave travel concession during a particular two year block, the concession will be carried forward subject to a maximum of two concessions outstanding at any one time SBIOSR 44(s)

LFC Extension in Block Period

Rule No. 4 (5) of SBIOSR is amended as – “Where is an officer is not able to avail himself of the LFC / LTC during a particular two year block, the concession will be carried forward subject to a maximum of two concessions outstanding at are time”.

59

Where there is a carryover of LTC / HTC block during service period of an officer, may also be carried over along with respective LTC / HTC block and no separate permission will be required.

ENTITLEMENT OF CLASS IN CASE OF TRAVEL BY STEAMER

JMGS-I 1st class by steamer

MMGS II & 1st class by steamer if the distance

MMGS III travelled is less than 500 kms. Highest Class by steamer if the distance traveled is more than 500 kms.

SMGS IV Highest class by steamerand ABOVE

TRAVEL THROUGH A FOREIGN LAND

An officer can go to Foreign country as LFC / HTC so long as an officers designated place is anywhere in India and he actually visits the designated place, he will be reimbursed the fare for his entire journey by the circuitous route. However, the reimbursement will be limited to the actual fare / hire charges or the cost of fare to his home town / designated place by the shortest route by his entitled class, whichever is lower.

Availment of LTC where family is not residing with the Officer

a) An Officer can claim LTC for members of his family, if they do not ordinarily reside with him at the place of work, for travel from the place of domicile to the place of his work and return with the Officer and vice versa.

b) In the case of an Officer, who may have to keep his children outside the place of his posting for their education (because of lack of facilities), the expenses incurred on account of the children will be reimbursed in terms of his eligibility from his


dated09.02.2016.

place of posting to the designated place for LTC or the actual amount spent by the children whichever is lower, subject to the usual terms and conditions.

RECALL FROM LEAVE TAKEN FOR AVAILMENT OF LTC

When an officer is recalled from leave taken by him for availment of LTC, he will be reimbursed with the traveling expenses for himself as well as for his family members, if they had accompanied him to and from the place where he was spending his leave. He will also be allowed to carry forward the LTC, the utilization of which was interrupted on account of recall from leave.

TRAVEL BY HELICOPTER SERVICE

Where an Officer travels by helicopter service between Jammu and Vaishnav Devi he may be reimbursed eligible train fare for the actual distance between the two places.

60

EXEMPTION FROM INCOME TAX

Officer who avail LFC by Air by the shortest route to the place of destination on or after 1.10.1997 need not pay Income Tax for the difference in amounts between the Air and First Class Train fare.

The revised instructions to deduct fare is stayed by the Hon. High Court of Madras and income tax will not be deducted till the interim stay is in force.

DEFINITION OF FAMILY

For the purpose of medical facilities and for the purpose of Leave Fare Concession, the expression 'Fami ly ' o f an employee shall mean

Cir.CDO: PER: 85 & 91 of 20.3.1998 &

18.3.1998 respectively

e Circular No.CDO/P&HRD-PM90/2014-15

dated26.03.2015


dated 21.07.2016

(e-Circular No. CDO/P&HRD-

PM/47/2010-11)

61

a) The Employee's Spouse, wholly dependent unmarried children (Including step children and legally adopted children) wholly dependent physically and mentally challenged brother / sister with 40% or more disability, widowed daughters and dependent divorced / separated daughters, sisters including unmarried / divorced / abandoned or separated from husband / widowed sisters as also parents wholly dependent on the employee.

b) The term wholly dependent family member shall mean such member of the family having a monthly income not exceeding Rs. 10,000/- p.m. If the of one of the parents exceeds Rs. 10,000/- p.m. or the aggregate income of both the parents shall not exceeds Rs. Rs. 10,000/- p.m. both the parents shall not be considered as wholly dependent on the officer employee.

c) A married female may include her natural parents or parents-in-law under the definition of family, but not both. provided that the parents/parents-in law are wholly dependent on her.

NOTE :- For the purpose of medical expenses reimbursement scheme, for all employees, any two of the dependent parents/parents-in-law shall be covered.

AVAILMENT OF LTC AFTER RETIREMENT

AMENDMENT TO RULE 44 OF SBIOSR, 1992

Where an officer is not able to avail LTC/HTC in the last block of service before superannuation (which at present is 60 years of age) for any reason, LTC may be permitted to be carried forward for four months beyond retirement and the retiree may be allowed to avail of the facility within that period as per the existing rules and entitled class relating to the serving officers of the Bank. The facility of HTC can be availed if the officer intends to settle down at a place different from his place of domicile only on submitting a declaration in this regard. Further, two months carry forward of

LTC/HTC (i.e not more than 6 months under any circumstances) can be permitted only in certain deserving cases by the competent Authority. However, where both LTC and HTC are due, only one of the facility will be carry forward beyond retirement. The facility will not be applicable for Officers on whom Rule 19(3) of SBIOSR 1992 has been invoked and also for those who retired under voluntary retirement.

The officer, after retirement but within the period he / she has been allowed to avail LFC, may surrender and encash his / her LFC.

OFFICERS UNDER SUSPENSION :

Apart from Subsistence Allowance, such offic e r s are entitled to medical reimbursement. H o u s i n g loan entitlement depends upon merits of e a c h case. They are not entitled for other things like LTC / HTC / Annual / CAIIB increments / Closing Allowance / Bonus during the period of suspension. But scholarship can be given to suspended employees. In case the suspension period of the official is treated as on duty, he is eligible for all benefits accrued for that period. If the leave due exceeds the permissible ceiling, the official may be asked to avail the excess leave together with LTC / HTC falling due for the suspension period within a reasonable time of say two months.

PRIVILEGE LEAVE :

Privilege Leave: At the rate of one day for every 11 days of service on duty. The residual are carried over to next year.

a. On or from 01.06.2015 under ru le 33(4) o f SBIOSR, Privi lege leave may be accumulated up to not more than 270 days except where leave has been

[Cir. PER:41of

25.8.1998]

62


dated14.06.2016.

63

Cir. PER :41of

25.8.1998

restricted upto a maximum of 240 days.

Further in modification of Rule 33(5) of SBIOSR an officer to desiring to avail of privilege leave shall ordinary leave give not less than 15 days' notice of his / her intention to avail of such leave.

b. In case, the officer could not avail the portion of leave beyond 270 days and becomes due for retirement, he / she may be permitted to encash the Privilege Leave to a maximum of 240 days.

c. There are no provisions to sanction of Privilege Leave on pro-rata basis to any staff during the calendar year.

d. Probationary officers and other Specialist grades are not eligible for PL before completion of 11 months of Service.

ACCUMULATION OF PRIVILEGE LEAVE BEYOND EIGHT MONTHS:

In extreme circumstances where accumulation of Privilege Leave beyond eight months allowed to be carried over, such excess leave should be availed by the official(s) say, within 3 months of the following year. In emergent situations, such leave may be extended upto 6 months. Such requests for accumulation will be rare because there will normally be notice of one month for seeking sanction of Privilege Leave as also Bank periodically calls for Leave Plan. (Likely to amend w.e.f. 01.04.2016).

Casual Leave:

12 working days in a year, provided that not more than 4 days Casual Leave at any one time. However, these 4 days may be prefixed or suffixed to or combined with Sundays / Holidays and such Sundays / Holidays shall not be treated as part of Casual Leave. The earlier limitation of total absence of six days stands withdrawn. However, Casual Leave cannot be

combined with any other kind of leave.

a. The stipulation of 4 days is not applicable to officer on mobile duty.

b. The under noted categories of staff are now entitled for Casual Leave:

Divisional Managers of Main Branches, and those not holding of custody/joint custody of security documents/Currency Chest and BMs where Divisional Managers are posted.

UNAVAILED CASUAL LEAVE not availed of in any year may be suffixed or prefixed to Sick Leave in the following three years.

SICK LEAVE :

At the rate of 30 days (on half pay) for each completed year of service, maximum 18 months in entire service. Additional Sick Leave after 24 years of service @ 30 days per year of service in excess of 24 years subject to a maximum of 3 months.

STUDY LEAVE :

1. Study Leave for a maximum period of 2 years provided the officer has completed 5 years of service in the Bank.

2. Study leave of 3 years of Ph.D. courses

Study Leave will be granted only on one occasion for the above purpose during his/her entire service after execution of Bond of Rs. 7.5 lacs. / 10 lacs. / 15 lacs. for 1 year / 2 years / 3 years respectively.

Extra-Ordinary Leave: Extra Ordinary Leave on loss of pay may be sanctioned for not more than 360 days (cumulative) – not more than 90 days at a time, except for sufficient reasons, 720 days in very special circumstances, during the entire service. EOL may be sanctioned in the following

e Circular No.CDO/P&

HRD/IR/20 dated

28.05.2008

64

Cir. PER:90of

31.3.1998

65

circumstances:(I) Officer’s own sickness. (ii) Sickness of officer’s wife or children.(iii) For appearing in examinations. (iv) For prosecuting higher studies, in case of those

who are not eligible for study leave. (v) Any other reason beyond the control of the officer

The leave upto 180 days can be sanctioned for Officers upto MMGS III by respective Regional Managers (for Officers working in Branches) and AGM (Admin) for Officers in CPCs/ Administrative Office. The competent authority may grant the leave on loss of pay upto a total period of 720 days.

MATERNITY LEAVE :1. a) Maternity leave, which shall be an substantive

pay, shall be granted to a female officer for a period not exceeding 6 months on any one occasion and 12 months during the entire period of her service.

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 upto a maximum of 60 days.

d) Leave may also be granted once during service to a childless female officer legally adopting a 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 should produce 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 born through surrogacy.

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

66

2. Maximum eligibility during the entire service – 12 months. However, such leave for more than 180 days shall not be granted without sufficient reasons.

3. Maternity Leave may be combined with leave of any other kind unless provided otherwise.

4. Extraordinary leave on loss of pay for not more than 360 days as per OSR during the service may be granted. However, in very special circumstances such leave may be granted for 720 days.

5. ELOLP in continuation of maternity leave may be granted to female officers. Such leave will not count for pension. Increment and seniority will be affected.

6. Probat ionary Of f icers / Trainee Officers are entitled to maternity leave during the probation period. and it will have no effect on the period for counting eligible service for Seniority/ next promotion. Leave may also be granted in case of hysterectomy up to a maximum of 60 days any time during the service period, subject to the overall limit of 12 months of Maternity Leave during the entire period of service.

Leave for the purpose of adoption of child : On and from 1.4.2000, leave may also be granted once during service to a childless female officers for legally adopting a child who is below one year of age till the child reaches the age of one year, subject to a maximum period of two months on the following terms and conditions.(a) Leave will be granted for adopting of only one child. (b) The adoption of a child should be through a proper legal process and the officer should produce the adoption deed to the Bank for sanctioning such leave. ( c ) If there be any case of female officer employee who has legally adopted a child as above and has availed of leave for the purpose on or after 1.4.2000, such leave may be set off against leave admissible under this provision.

e-Circular No. : CDO/P&HRD-

PM/11/2017–18dated 05.05.2017

67

PATERNITY LEAVE :

With effect from 1.6.2015 Male officer employees with less than two surviving children shall be eligible for 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 upto 6 months from the date of delivery of the child.

SPECIAL SICK LEAVE :

With effect from 1.6.2015. Special Sick Leave up to 30 days may be granted to an officer employee once during his/her entire period of service for donation of kidney / organ.

HOLIDAYS :

With effect from 01.09.2015. The second and fourth Saturday of every month as a public holiday for banks in India. Other Saturdays of every month full working day. Our Circle lead by Com. Franco played the lead role in achieving this goal. the inputs, the campaigns, the lobbying and perseverance helped.

VACATION LEAVE - MANDATORY LEAVE :

Under the vacation policy, those w h o h a v e a c c e s s a n d transaction rights in CBS, handling sensitive desks / seats such as direct dealings with the vendors, suppliers engaged in the process of awarding / executing tenders to the contractors, sanctioning / passing the bills submitted by the suppliers for payment and officials holding the positions / posts termed as 'Sensitive' from vigilance point of view are mandatory required to be away from their regular work/Office for ten continuous working days during a financial year.

It will be the responsibility of the controller to ensure compliance.


dated 13.07.2015

68


dated09.12.2013

SABBATICAL LEAVE TO LADY OFFICERS :

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

ii) The employee applying for leave s h o u l d have put in a minimum of 5 years of service. Sabbatical leave before completion of 5 years of service may be sanctioned only in exceptional circumstances by the competent authority.

In case of trainee officers period of service in clerical cadre may be treated for the purpose of eligibility but sabbatical leave will be given after confirmation only.

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

iv) The sabbatical leave shall be without pay, salary, al lowances, perquisites and any other consequential monetary and non-monetary benefits. No increment shall be earned during the sabbatical leave and the 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 be counted for the service eligibility. Accordingly, it will be on loss of seniority and will not be counted for pension, promotion and other benefits. Her place of posting may also change at the time of rejoining.

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

vi) The woman employee shall not take up any employment / vocation / business / profession elsewhere during the period of sabbatical leave.

Not below the rank of DGM Not below the rank of GM

Not below the rank of CGM / CGM(HR)

General Manger CGM / CGM (HR) CGM / CGM (HR)

Officers SMGS IV & V

Upto 2 years Not below the rank of CGM. CGM / CGM (HR)

DGM(B&O)/DGM & CirDO

Upto 360 days

General Manager(Network)

For CC & CC Establishments: Departmental Head not below

the rank of DGM.CGM / CGM (HR)

AdministrativeMatters

Sanctioning Authority for those employees who have

completed minimum 5 years of service

Competent Authority in case of employees

who have not completed min.5 years of service

Working in Branches : Respective RM

Working in CPCs / Admn. Offices: RM /

Head of Branch / Department/Office

Officers upto MMGS - III

Upto 180 days

Deputy GeneralManager (B &O)/ DGM

& CirDO

Upto 180 days Upto 360 days Upto 2 years

69

vii) 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 leave is cancelled.

viii) There is no restriction on acceptance of employee’s request for cancellation.

ix) Subbatical leave can not be converted into any other kind of leave.

x) Subbatical leave may be e x t e n d e d s u b j e c t t o fulfillment of norms.


dated 16.09.2016


dated 03.12.2015

70

SUBBATICAL LEAVE TO DIFFERENTLY ABLED EMPLOYEES

(i) A differently abled employee and also an employee having differently abled dependents viz. children and/or spouse (even though they are not financially dependent) shall be eligible for sabbatical leave up to 2 years without pay salary etc. during his/her entire career for the reason of self-care or taking care of children and/or spouse.

(ii) The word 'differently abled' would mean and include the following:

a. Blind or low vision;

b. Hearing impairment;

c. Locomotor disability or Cerebral Palsy;

d. Leprosy cured;

e. Mental retardation;

f. Mental illness,

g. Multiple disabilities.

SUBBATICAL LEAVE TO WOMEN / SINGLE MEN EMPLOYEE WITH CHILDREN OR AGED PARENTS

( I ) Women / S ing le -men employees (with children and/or aged parents), going on sabbatical leave may be allowed to retain such accommodation at Bank's cost. However, where sabbatical leave has been sanctioned under spouse joining facility the concerned employees will have to either vacate such accommodation or alternatively have to bear commercial rent for Bank's Quarter / lease rental for leased accommodation.

(ii) Women / Single-men employees (with children and/or aged parents) who are on sabbatical leave may be extended the benefits of reimbursement of medical expenses in respect of self and/or family members as available while in service except in those cases where the leave is granted for joining spouse posted abroad.


dated 16.07.2015


dated 15.03.2015

71

[STAFF 9 OF 9.8.2001] COMPENSATORY LEAVE :

1. The officers are eligible for Compensatory Leave if they attend the office on Sundays/Holidays. However these leaves should be availed with the prior permission of appropriate authority in the following week of such Sundays / Holidays.

2. It has now been decided that the officers at the Administrative Offices, when they work on Sundays / Holidays, in connection with computerizations of branches, be permitted to avail the compensatory off within a period of three months from the date of their working on Sundays / Holidays, instead of following week. However, in case, the officers are not in a position to utilise the compensatory off during the next three months due to administ rat ive exigencies, the compensatory off will be credited to their Privilege Leave account.

Recall from Duty: An Officer on leave may be recalled to duty by the Competent Authority whenever the Bank deems fit to do so, but if the officer is at that time out of station, he / she will be eligible to be paid to the actual expenses incurred by him / her and for the members of his / her family, for coming back to the station, and if the officer and the members of his / her family go back to the same station from which he / she was called, for the return journey also. (SBIOSR No.39)

ENCASHMENT OF LEAVE:Once in every 4 years, at the time of availment of LTC / HTC, an officer may be permitted to surrender and encash his / her Privilege Leave not exceeding one month at a time. Alternatively he / she may while traveling in one block of two years to his / her home town and in other block to any place in India, be permitted encashment of Privilege Leave with a maximum of 15 days in each block, and for this purpose salary means Basic Pay, DA, HRA, CCA, SCA, Adjusting Allowance, Personal Allowance, FPA,

Cir. PER: 49 of 22.9.1998 & Cir.D.O.PER:5 of 22.4.1999

72

paid on regular basis are permissible. Where residential accommodation is provided notional HRA will be admissible. The officer residing in his / her own house and is being paid HRA on capital cost basis, the actual HRA will b e admis sible for the purpose.The four year period for encashment facility in respect of officers who were in service as on 1.10.1979 will commence from 1.1.1982. In respect of officers appointed on or after 1.10.1979, the first four years period will commence from the respective date of appointment.Encashment of one day Leave for Donation of Prime Minister’s Relief Fund is allowed only once in a calendar year.Leave encashment to retiring officers: The retiring officer is eligible to encash Privilege Leave that had been accumulated by him upto a maximum of 240 days. Income Tax liability on encashment of leave at the time of retirement: Amount of leave encashment at the time of retirement is exempted from Income Tax upto Rs. 3,00,000/- [Government of India vide their extra ordinary gazette notification dated 28/01/2003].Encashment of leave on resignation : When an officer resigns from service on or after 1st April, 200 with due notice, a sum equivalent to the emoluments in respect of P.L. to the extent of half of such leave to his credit, subject to a maximum of 240 days.Leave encashment in respect of officers who die while in service: Where an officer dies while in service, his / her legal representative shall be payable a sum equivalent to the emoluments for the period of P.L. at his credit not exceeding 240 days.SPECIAL LEAVE TO SPORTS PERSONw.e.f. 16.01.2015, The facility of Special leave extended to the non - active sports person officiating as 'Manager of Team' and 'Judge' at sporting events / tournaments held at state / national / international level only. as is presently available to other non-avctive sportsperson officiating as coaches / umpires / referees / selectors.


dated 31.01.2015

Grade /Scale

4 METROSDelhi, Kolkatta,

Mumbai & Chennai

Major "A" Area - 1 OtherCentres

SMGS VI& above

SMGS IV& above

`. 1800/-

`. 1500/-

`. 1300/-

`. 1300/-

`. 1100/-

`. 1100/-

`. 950/-

`. 950/-

`. 800/-`. 1300/- `. 1100/- `. 950/-Scales I, II & III

73

VI. TRANSFER, TA & HA

TRANSFER / TRAVELLING ALLOWANCE ETC

HALTING ALLOWANCE ON PERMANENT TRANSFER

I) An officer transferred from one station to another station shall be eligible to claim halting allowance at the same rate as in the case of travel on tour, for the period spent on journey and for the joining time and period of taking over charge of his post, as specified by the Competent Authority.

However, if residential accommodation is provided by the Bank at the new place of posting, halting allowance will not be payable from the date such accommodation is provided by the Bank. Halting allowance in respect of joining time on transfer will be paid only for 7 days irrespective of the prefixing, intervening and / or suffixing public holidays / Sundays (SBI OSR 42[4])

ii) An officer who has not been provided by the Bank with residential accommodation at his new place of posting shall be entitled to halting allowance for the period he is actually engaged in taking over charge of the new post as specified by the Competent Authority (SBI OSR 42 (4) and PER 28/82).

e Circular No.CDO/P&HRD-IR/24/ 2015-16

dated 26.06.2015HALTING ALLOWANCE(W.E.F. 01.06.2015)

74

Provided that:

a. Where the total period of absence is less than 8 hours but more than 4 hours, Halting Allowance is payable @ 1/2 of the above rates.

b. Where free lodging is provided at the place of halt, 3/4th of the Halting Allowance is payable;

c. Where free boarding is provided at the place of the halt, 1/2 of the Halting Allowance is payable;

d. Where free boarding and lodging are provided at the place of halt, 1/4th the Halting Allowance is payable;

e. When an officer claims reimbursement of actual expenses on boarding and lodging, he will also be eligible for 1/4th of the Halting Allowance;

f. A supplementary Halting Allowance of `.10/- per day for halt outside headquarters on inspection duty is payable to all inspecting officials;

g. If an officer claims reimbursement of boarding expenses on declaration basis without production of bills, he / she shall not be eligible for 1/4th of Halting Allowance;

h. If an officer is posted at difficult centre he / she may, receive full Halting Allowance at the place of halt even if he / she been provided with residential accommodation thereat.

I. The Payment/Reimbursement of halting allowance may be considered at rates according to the revised classification or arrears as per census 2011.

HALTING ALLOWANCE IN CASEOF EMERGENT TRANSFERS

In emergent situation an officer may be instructed to proceed on permanent transfer to another station immediately without availing of the joining time. Thereafter, the officer concerned

SBI OSR 49(i)

e Circular No.CDO/P&HRD-IR/

56 of 2015-16dated 05.10.2015

JMG & MMG

Two Containers

One Container

Senior & Top Management

75

may have to return to his earlier place of posting in order to wind up his establishment and

take his family to the new place of posting, for which purpose he may also avail of the joining time which could not be allowed to him earlier. In such situation:

a) The officer concerned should be reimbursed his own fare to and from for the journey to his earlier place of posting.

b) The officer should be paid halting allowance for the joining time (excluding journey period) sanctioned to him, even though he may be in occupation of an official residence at the new place of his posting.

Expenses for transporting baggage by goods train upto following limits will be reimbursed.

Pay Range Where hehas family

Where hehas no family

3000 kg. 1,500 kg.

2,500 kg.Full Wagon

`. 23,700/- p.m. to`. 31,705/- p.m.

`. 31,705/- p.m.and above.

Where baggage is transported by container service of Railways :

If the baggage is transported by Rail, the reimbursement will be limited to the actual freight charges against submission of bills subject to the cost not exceeding the cost of transport of the maximum permissible quantity by goods train.

If an Officer on transfer is shifting his personal effects between the two places by approved lorry transport, even if the two places are connected by train, the reimbursement of expenses may be made at the following rates subject to the weight stipulation mentioned in relevant officers' Service Rules:

upto600 kms

Date ofeffect from

Beyond600 kms

`. 6.1001.07.2013

`. 6.40

`. 6.70

01.07.2014

01.07.2015

`. 4.10 `. 2.05

`. 4.30

`. 4.50

`. 2.15

`. 2.25

HillyTerrain

76

HILLY TERRAIN :

The officers may be reimbursed @ `. 6.10 per km per tonne for transfers into and out of hilly terrains :

Example : Existing (distance 425 kms.) Revised (distance 425 kms.) 6.10 x 425 x 12 = `. 31,110/-

Here, it is to be noted that if the transfer is from say, Mussoorie to New Delhi, then the rates for Mussoorie to Dehradun would be `. 6.10 per tonne per km. and for the rest distance the rates mentioned for "other than hilly terrain" will be followed. This example is only illustrative and not exhaustive, as there are topographical issues involved in this. Therefore, the Circle Management Committee shall decide which places come under the hilly terrains in their respective Circles and issue suitable clarifications in this regard.

OTHER THAN HILLY TERRAIN :

a) The officers transferred to shorter distance below 300 kms. in places other than hilly terrain may be reimbursed @ `. 4.10 per km per tonne for minimum 300 kms.

Example : ̀ . 4.10 x 300 x 12 = ̀ . 14,760/-

b) The officers transferred to shorter distance upto 600 kms. in places other than hilly terrain may be reimbursed @ Rs. 4.10 per km per tonne.

Example : ̀ . 4.10 x 600 x 12 = ̀ . 29,520/-

c) The officers transferred to distances beyond 600 kms. other than hilly terrains may be reimbursed @ `. 4.10 per km. per tonne beyond 600 kms. taken as incremental.


dated26.06.2015

Grade

JMGS I &MMGS II & III

SMGS IV & V

7,000/- 6,000/- 5,000/- 3,000/-

10,000/- 8,000/- 6,000/- 4,000/-

Metro Urban Semi-Urban

Rural

77

Example 1000 kms.: `. 4.10 x 600 x 12 = `. 29,520/- plus2.05x400x12 = `. 9840/- = `. 39360/-

LOADING & UNLOADING CHARGES :

Officer may be reimbursed actual expenses incurred on loading & unloading of their belongings, subject to production of receipt as mentioned below :

In case of movement from one category centre to another, the officer will be reimbursed as per the destination to which he is moving.

MID-ACADEMIC YEAR TRANSFER ALLOWANCE :stOn and from 1 June 2015, mid-

academic year transfer allowance shall be payable at `. 1,100/- p.m. irrespective of number of children from the date the officer reports at the later place up to the end of the academic year in respect of all the children cease studying at the former place.

Note: it is not per children per month.

ONE TIME LUMPSUM EXPENSES TOWARDS ADMISSION FEE ON TRANSFER

The officer on transfer from one centre to another centre may be reimbursed onetime lumpsum expenses towards admission fee of their ward(s) subject to following conditions.

a) The officer has got his ward(s) transferred to a different school/college / institute etc. at any centre other than the place where from he is transferred.

b) The officer certifies of above admission.

c) Reimbursement of expenses will be restricted to two wards only.

Gra

de /

Sca

le

Elig

ibili

tyin

ITD

C

Boa

rdin

gC

harg

es

SMG

IV &

V

MM

G II

& II

I

JMG

I

3 St

ar A

C

2 St

ar N

on A

C

1 St

ar N

on A

C

Lodg

ing

Cha

rges

Tar

iff a

dmis

sibl

ew

.e.f.

01.

02.2

016

7,20

0/-

4,00

0/-

2,60

0/-

Met

ro

6,70

0/-

3,60

0/-

2,40

0/-

3,80

0/-

2,60

0/-

1,90

0/-

2,90

0/-

2,00

0/-

1,60

0/-

Oth

ers

Are

a 1

Maj

or'A

'Bo

ardi

ng e

xpen

ses

are

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ed o

n th

e sa

me

scal

e as

haltin

g al

lowa

nce.

78

BOARDING AND LODGING EXPENSES / HALTING ALLOWANCE :Reimbursement of actual Hotel Tari f fs restr ict ing to single accommodation charged in ITDC hotels and boarding expenses at rates given below:


dated 08.02.2012

Maj

or

'A'

Cen

tres

:

Mum

bai,

Del

hi,

Kol

kata

, C

henn

ai,

Ahm

edab

ad,

Ban

galo

re, H

yder

abad

, Sur

at &

Pun

e.

Are

a-I

C

en

tre

s:

Jaip

ur,

S

ura

t,

Lu

ckn

ow

, K

an

pu

r,

Pu

ne

, N

ag

pu

r,

Coi

mba

tore

, M

adur

ai,

Vis

haka

patn

am,

Pat

na,

Koc

hi,

Indo

re,

Bho

pal,

Vad

odar

a, L

udhi

ana,

Var

anas

i, A

llaha

bad

and

Agr

a.

All

stat

e ca

pita

ls (o

ther

then

sta

te c

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ls fa

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in M

etro

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ay b

e tr

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d as

Maj

or “A

” cat

egor

y.

GradeJMGS-I, MMGS II & III

SMGS-IV & V

AmountRs. 10,000Rs. 15,000

Ref. Circular No.CDO/P & HRD-PM/19/2013-14

dated16.07.2013

79

Reimbursement of Hotel tariffs for stay in non-ITDC Hotels is permitted if accommodation in ITDC Hotels is not available, subject to the above ceilings, inclusive of taxes and service charges w.e.f. 20.10.1997. Officers, while on official visit to the places where Bank's Transit Houses are established, must necessarily stay in the Bank's Transit House unless accommodation is not available and the concerned Circle establishment, maintaining the Transit Houses advises them so.

JOURNEY PERIOD

Irrespective of the mode of transport, an officer should be permitted to avail of only the actual journey period and he should attend office on the same day in case he reaches at station in the morning/forenoon or say upto 2.00 p.m.

AIR TRAVEL CONCESSIONARY BILLING

Officers an official duty / LFC are permitted to travel by air with Indian Airlines to avail concessionary billing. The Bank has now extended the facility to include travel by Jet Airlines. Officers who avail the facility should note to purchase ticket incorporating the codes as noted below;

Indian Airlines : B 028 Jet Airlines : SBI

JOINING TIME ON TRANSFER

An officer shall be eligible for joining time not exceeding seven days, exclusive of the number of days spent on travel between the two stations. The joining time must be availed anytime before next transfer and cannot be carried forward.

Ref. Circular No.CDO/P&HRD-PM/73/2011-12

dated 08.10.2011

80

NOTE : a. During joining time, an officer will be eligible to draw the emoluments at the place of the old or new posting, whichever is less.

b. No joining time will be admissible to an officer when the transfer is within the same centre

LUMPSUM PAYMENT ON TRANSFER (w.e.f. 1.11.2011)

Scale I, II & III `. 20,000/-Scale IV & V `. 25,000/-

In case of administrative transfer outside the Circle, the officer will be eligible for additional amount of Rs. 10,000/- towards lumpsum expenses. The lumpsum payment would not include:a) Loading and unloading charges of household

articles at the railway station or at residence.b) Conveyance charges from residence to Railway

Station/Airport or vice versa for self and family c) Porterage for baggage carried with them.

TRAVELLING EXPENSES BILL1. The bill should be submitted within 15 days from

the date of completion of the journey.2. Since the railways do not issue cash receipts, the

following particulars should be provided on the bill;a) Serial Number of the ticket. b) Date of purchasec) Date of Journey d) Issuing statione) Amount f) Destination

MODE OF TRAVEL [SBI OSR 41 (I) (i)]

JMGS I - By Rail - 1st class/AC II sleeper- By Air-Economy class, if Permitted by competent Authority

VII. LOANS & ADVANCESSTAFF ADVANCESMOTOR CARS / MOTOR CYCLES / SCOOTER /MOTOR CAR

180 months (Principal to berecovered in 132 monthly instalments and interest in 48subsequent monthly instalments.

All confirmed officers are eligible

90% of the cost of vehicle –Max. `. 7 lacs whichever is less

Simple interest @7 % p.a.

Eligibility

Quantum

Rate of Interest

Repayment

81

MMGS II & III - By Rail 1st Class/AC II Sleeper- By Air - Economy class, if the Distance is beyond 1000 Kms. For short distances by Competent authority not below the rank of AGM.

SMGS & TEGS- By Rail - AC 1st Class - By Air - Economy Class

REIMBURSEMENT OFEXPENSES FOR TOURSBY OWN VEHICLE1. Four Wheeler a) 1000 cc or more engine capacity - `. 9.00/Km.b) Less than 1000 cc - `. 7.00/Km.2. Motor Cycle/Scooter - `. 4.50/Km.3.Mopeds - `. 3.00/Km.These rates are applicable in both the cases of use of own vehicle for official duty and transport of own vehicle on transfer.SERVICE CHARGES FOR BOOKING TICKETSNominal service charges for booking tickets can be


dated 03.01.2012

Ref

. Circ

ular

No.

CD

O/P

&H

RD

-IR

/81/

2012

-13

date

d 26

.02.

2013

82

Ref. Circular No.CDO/P & HRD-IR/66/2007-08

dated06.02.2008

Physically handicapped officer drawing a Basic Pay of less than ̀ .31,705/- p.m. shall be eligible for a loan for purchase of special Motor Car marketed by M/s. Maruti Udyog Ltd., provided he has completed 5 years of continuous service in the Bank.

Employees will be allowed to raise car loan for replacement of the vehicle, five years after the date of raising the first loan whether for new or used vehicle after liquidating the first loan along with interest in full.

The following changes in the repayment terms of Staff Car Loans has been decided:

a) If the employee/official retires on superannuation or takes Voluntary Retirement after 58 years of ages, but before full repayment of the loan, the outstanding as on the date of retirement shall be repaid in equal installments over a period of 60 months from the date of retirement.

84 monthly installments –P = 70 + 14 = 84

All Officers includingOfficers on probation

For confirmed Officers -90% of the cost of vehicleFor officers not confirmed -90% of the cost of vehiclemaximum Rs. 60,.000/-

Simple interest @ 7% p.a.

Eligibility

Quantum

Rate of Interest

Repayment

MOTOR CYCLE / SCOOTER :

e-Circular No.CDO/P&HRD-IR/61/2017–18

Dated 15.11.2017

One month’s Gross salary (Gross salarymeans all the emoluments payable for

leave encashment while availing LFC/HTC )

All officers for any festival of their choice, once in a calendar year

NIL

Eligibility

Quantum

Rate of Interest

Repayment 10 monthly instalments

83

LOAN FOR REPAIR OF CAR OWNED BY OFFICERS :

Once in five years. Secondloan can be taken after5 years of the first loan

8.5% p.a. [simple]

36 monthly installments

80% of the cost of repair or `. 10,000/- whichever is less

Eligibility

Quantum

Rate of Interest

Repayment

FESTIVAL ADVANCE:

Ref

. Circ

ular

No.

CD

O/P

&H

RD

-IR

/77/

2008

-09

date

d 21

.11.

2008

PERSONAL LOAN

PURPOSE:

i. To meet the expenses on children's higher education abroad or in professional college in India and their marriage(s);

ii. To meet shortfall in the cost of house / flat proposed to be purchased as also to meet the expenditure on major repairs to / renovation of house / flat;

Conveyance LoanAn officer may avail loan for both a 2 wheeler and a car or a maximum of two cars and two 2-wheler but the aggregate of all loans sanctioned should be within the overall limit fixed for conveyance loan applicable to then.Maximum – Quantum of loan for tow wheelers - 90% of costwithin the overall limit of 10.00 lacs(for officers not yet confirmed - 90% of cost subject to ceiling of 100000/-


dated18.05.2016

84

iii. To meet expenses connected with treatment for serious illness of self, dependents, close relatives;

iv. To finance, partly or fully, purchase of Motor vehicle/Scooter/Motor Cycle etc., and also for meeting shortfall in the cost of Motor Vehicle proposed to be purchased under Bank's existing Vehicle Loan Scheme;

v. Meeting expenses on major repairs to Motor Vehicle / Scooter /Motor Cycle;

vi. Purchase of audio / video equipment, home appliances, personal computers, etc.;

vii. To meet the traveling expenses of self / dependents to visit a place outside India;

viii. To repay the loan availed of from other institutions for the above mentioned

SanctioningAuthority

8%(Compounded) for Overdraft8% (Simple) for Demand Loan

1) 2 yrs of service & above butless than 5 years- `.2.5 lacs2) 5 Yrs of service & above butless than 10 years-`. 7 lacs3) 10 years of service andabove - `. 10 lacs

`. 12 lacs

`.16 lacs

Overdraft / Demand Loan

Not below the rank of AGM

for Scale I to V

for Scale VI & VII

for TEGS I & II

Mode ofDisbursement

Rate of Interest

The following other operational guidelines relating to the Personal Loan Scheme have also been approved:

a) Employees may retain the existing OD limits and avail the enhanced component in the existing OD account or in the form of Demand Loan as per their repaying capacity.

85

b) To encourage our employees to opt for fixed repayment plan, a simple interest @ 8% p.a. will be charged for the Demand Loan component of the Personal Loan.

c) The Demand Loan shall be recovered in monthly instalments spread over 120 months in the ratio of 5:1 i.e. 100 monthly instalments for principal and 20 monthly instalments for interest, commencing from the month following the month in which disbursement of D/L is made. After liquidation of Demand Loan, the employee can again avail the facility as per his/her eligibility. However, an employee will not be allowed to have more than two demand loan accounts at any given time. In case of Overdraft, the interest applied monthly will be recovered from the salary every month as at present.

d) Employees who wish to avail the loan for the revised limit may get the loan sanctioned afresh. The two components of the loan i.e. OD and Demand Loan may be mentioned separately in the application.

e) It has been decided to waive requirement for extension of EM of the house charged under H/L to Personal Loans. However, lien on the PF balance of employee will 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 per the last PF statement of the employee.

f) 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 loan are primarily secured by way of EM of the house/hypothecation of vehicles.

g) Employees who intend to avail of the Personal Loan for the revised limit, may get the loan sanctioned as a fresh case. Enhanced Overdraft limit may be allowed in the existing account. The

86

two components of Personal Loan i.e. CA/Overdraft and/or Demand Loan, 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.

CA/Overdraft and/or Demand Loan, 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. All the other existing terms and conditions under the Personal Loan scheme, including the stipulation that total deductions should not exceed 60% of the gross monthly salary, will remain unchanged.

COMPUTER LOAN

Eligibility : All permanent employees with 2 years of service includingprobation period.

Type of facility : Demand Loan

Amount of Loan : Upto a maximum of Rs. 40.000/-

Repayment : (i) In 36 to 60 Equated Monthly Instalments at 5:1 ratio of Principal & Interest

(ii) For employee retiring in less than 36 months, the number/ amount of EMIs should be suitably adjusted so as to ensure liquidation of the entire loan outstanding before the employee retires.

Rate of Interest : 8% p.a. Simple interest.

Sanctioning : Branch Manager / Head of theauthority Department / RACPC

wherever established.

Margin : Nil

Equivalent to the interest rate payable on PF balance

To meet shortfall in margin required for housing loan

6 months Basic Pay

100 monthly instalments

Purpose

Quantum

Recovery

Rate of Interest

Acquiring a house under the Bank’s Housing Loan scheme Actual cost of House or Site

Marriage of daughter or female relative (if the officer

has no daughter)6 to 10* 50%

50%

Building or acquiring house

Higher education of children

Marriage of son

Actual cost including documentation cost

3*

3 to 6*

50%

50%

50%

Lower of the % of members contributionOR * months Basic Pay + Interest

Quantum

Purpose

Same % of interest payable on PF

i. Expenses relating to marriage; ii. Prolonged illness of self / dependents;iii. Expenses like ceremonies, funerals, etc.3 months Basic Pay (as a special case up to 6 months Basic Pay) or half the amount of own contribution and interest thereon, whichever is less24 months equal instalments for principal (in 36 instalments, if advance exceeds 3 months pay)- One or two instalments for interest

Purpose

Quantum

Recovery

Rate of Interest

87

ADVANCE AGAINST PROVIDENT FUND

WITHDRAWAL FROM PROVIDENT FUND:

Eligibility : 25 years of service or 50 years of age. No such condition for housing purpose provided housing loan has been sanctioned.

DEMAND LOAN AGAINST BANK'SCONTRIBUTION TO PROVIDENT FUND:

88

INDIVIDUAL HOUSING LOAN SCHEME

Officers are granted housing loans for the purpose of acquisition / construction of flat / house at concessional rate of interest on the following terms and conditions:

Our circle played a pivotal role in the enhancement of the housing loan limits and other improvements made in the scheme by providing all the backup papers and closely following up with the Federation.

The Salient features of the revised individual housing loan scheme for officers.


dated30.09.2014


dated17.01.2015

Eligibilityof Service

Eligibilityof number of houses

Now, Loans under IHLS is permitted for max two houses, even if both husband & wife are working, will be eligible for max 2 house singly in jointly. Employees already acquired two houses. Can be eligible for IHL to acquire another by disposal of one of existing house.

Quantum

Margin

Rate ofinterest

All confirmed employees, who havecompleted 2 years uninterrupted servicein the Bank will be eligible for the loan.

Officers up to Scale V : Rs.60.00 lacs & Officers TEG-VI & above: Rs.80.00 lacs

10% of the project cost

Rate of interest should be charged depending on the new limit sanctioned on or after 01.10.2014 and not by clubbing of limit sanctioned earlier for the purpose of

MigrationtoRACPC

All new Staff Housing Loan to be sanctioned at RACPC. AGM (RACPC) is delegated sanctioning power for staff housing loan. At non-BPR centre, existing structure will continue.

89

Repayment a. 360 Months (including Max moratorium period of 24 m o n t h s ) . T e n u r e f o r repayment in the ratio of principal : interest=2:1 from salary and allowances drawn by officers during his/her service or pension etc., if the repayment period is extended beyond retirement at the request of the officer.

b. Repayment of housing loan taken on commercial terms on conversion to additional housing loan under IHLs will be fixed (P:I=7:3) over the residual tenure of original IHLs so as to ensure that its liquidation coincides with liquidation of the original IHL.

rate of interest. The limit sanctioned earlier should be ignored, for the limited purpose of determining rate of interest.

i. Limit upto Rs.40 lacs – 6.75% p.a. (simple)

ii. Limit above Rs.40 lacs – 8% p.a. (simple) (In case of fresh limit sanctioned for more than Rs.40 lacs, the rate of interest will be calculated by the system at the rate of 6.75% p.a. upto limit of Rs.40 lacs and 8% p.a. for above Rs.40 lacs)

90

Repayment after retirement

a. Up to 75 years of age, irrespective of date of joining, subject to adequate and verifiable cash flows for repayment.

The repayment should not e x c e e d 6 0 % o f t h e employee’s pension and D.A. plus 1/12 of other income such as rent / interest / dividend declared in the IT return.

b. T h e p r o v i s i o n o f repayment upto 75 years of age is applicable only in cases of normal retirement.

on superannuation and not applicable in case of r e s i g n a t i o n / v o l u n t a r y retirement etc.

Inclusion of family members other than spouse in the project or inclusion of their arr iv ing at loan eligibility

As per extant instructions of IHL, the house proposed to be purchased/ constructed should be in the name of official or in joint names of the official and his/her spouse only. Housing loan under IHLs can also be sanctioned even if the property is in the name of spouse only. Income of o thers / fami ly members should not be clubbed to arrive at loan eligibility/ deduction under IHLs.

However, income of working spouse in the Bank may be clubbed for the purpose.

Repayment o f n e w l o a n s sanctioned on or after 30.09.2014 is permitted upto 75 years of age a n d w i t h a maximum tenure of 360 months i n c l u s i v e o f m o r a t o r i u m period.

Circular No.CDO/P&HRD-IR/20/2016-17

dated 11.05.2016.

91

No fresh DPD / Vigilance clearance/administrat ive clearance / search report should be insisted upon for conversion.

F r e s h l e t t e r o f authority addressed to Trustees of PF in case of conversion.

V i g i l a n c e / D P D c l e a r a n c e a n d s e p a r a t e a d m i n i s t r a t i v e c learance/search report for conversion housing loan.

No separate letter of authority addressed to Trustees of PF need to be obtained in case of conversion of housing loan on commercial terms.

Cost escalation in current project

Gap between acquiring two houses

Revised estimates should not be accepted for project under construction to sanction additional housing loan

There is no t ime gap stipulated between acquiring first and second houses. An offical may avail housing loan up to his eligibil ity 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 on CRE exposure should be referred to.

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 earlier loan may be liquidated by transfer of funds from the new loan account, subject to all incidental costs borne by the employee.

92

In terms of RBI guidelines v a l u e m e n t i o n e d i n agreement to sale plus one t ime cost of addit ional amenities 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 t ime maintenance fund/ deposit / corpus, Deve lopmen t cha rges , Electrical fittings, one time Generator Charges, Club House membership charges, Electricity / Water / Sewerage Board one time charges/ deposits, VAT & Service Tax etc) will be included in the value of the property for arriving at the loan eligibility. However , S tamp du ty , Registration Charges and other documentation charges, which are not realizable in nature will not 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

RBI guidelines on Stamp duty and Registration charges

Purchase of Plot 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 should submit necessary documents for construction of house thereon with approved plan and estimates within a reasonable period immediately after purchase of land, so that c o n s t r u c t i o n c a n b e completed within maximum moratorium period of 24 months.

93

Purchase of a biggerhouse or at a better location

When an employee wishes to purchase a bigger or a house in a better location by disposing of the existing one, he should liquidate the outstanding amount along with up to date interest. In such an event, the maximum additional loan amounts would be increased to the extent of outstanding amount repaid and will be treated as principal and recovery will be effected according to the terms of new loan.

Note: The stipulation of obtention of encumbrance certificate for a period of 30 years be done away with and instead it would suffice if a non-encumbrance certificate for 13 years is submitted by the officers desirous of availing of the Housing Loan.( CIRDO:IR32/08-09 DT 25.06.2008)

Further, an official, on his promotion from one grade to higher grade/scale may be permitted to avail of housing loan upto his entitlement of the grade/scale to which he is promoted for repayment of loans taken on commercial/public terms or outside borrowings from

verifiable sources.

The revised ceiling and interest rates will be effective from 30.09.2014 to all new loans under IHLS sanctioned/disbursed on or after the above date. Repayment for the new loans under IHLS will be fixed in the ratio of P:I=2:1 (224 monthly installments for principal and 112 monthly installments for the interest, by allowing normal maximum moratorium of 24 months .

However, in case of existing loans, the original repayment schedule (i.e. 168 installments for principal and 72 installments for the interest in the ratio of 7:3) will continue.

ADDITIONAL HOUSING LOAN :

After a lapse of minimum period of 5 years from the date of sanction of original loan, for acquiring bigger accommodation/flat/house, or for additional construction to the existing house.

However, there are instances where our staff members are desirous of selling their existing house/flat before completion of 5 years period from the date of sanction of housing loan may be due to some of the following situations faced by them :-

I) Unexpected water logging of the area where flat/house is situated.

ii) Unexpected occurrence of natural calamities in the area like floods/earthquake/damage due to fire etc.

iii) The area where flat/house is situated has remained undeveloped despite assurance given by Govt agencies/developer/builders.

iv) Unpleasant happenings to any family members of the employee for which he/she is not in a position to occupy/stay at that flat/house.

v) Unavailability of basic amenities like drinking water, power, good roads, school and medical

94

e Circular No. CDO/P&HRD/IR/18/ 2013-14

dated 10.07.2013

95

facilities etc. which was not expected by the employee at the time of construction/booking of flat/house etc. (The list is illustrative and not exhaustive)

The additional accommodation should be bigger at least by 120 sq.ft and one more room. The process of sale of old house and purchase of new/bigger house, on availing prior approval of the Bank, has to be completed within 9 months.

The eligible loan amount will be difference between the maximum entitlement under the Individual Housing Loan Scheme and the amount of loan sanctioned earlier OR cost of extension/excess of purchase price over sale price whichever is lower. The rate of interest and repayment is same as in the case of Individual Housing Loan.

ND2 ADDITIONAL HOUSING LOAN

a) The amount of loan will be limited to the amount of difference between the housing loan including additional housing loan already availed under IHLS and present entitlement or 90% of the projectcost whichever is lower.

b) The facility will be available only once during the service.

c) The construction should be atleast 125 sq.ft bigger than the existing one.

LOAN FOR EXTENSION OF HOUSE ALREADY OWNED BY OFFICERS NOT CONSTRUCTED WITH BANK'S FINANCE:

Quantum 50 times of the Basic Pay or `.10,00,000/- whichever is less.

e Circular No.CDO/P& HRD/

IR/106 dated

18.12.02

e Circular No. CDO/P&HR/IR/95

dated 09.02.2009

In cases where extension/alteration/renovation of the house/flat or apartment inherited or acquired by the employee from own resources is involved, the admissible amount of housing loan under IHLS has been decided to increase as under:

96

ADDITIONAL HOUSING LOAN AT COMMERCIAL RATE OF INTEREST FOR STAFF:

Additional loans for housing purposes to the employees over and above the loan sanctioned under staff housing loan schemes, strictly on the terms and conditions applicable for the borrowing public. The terms and conditions for granting additional loans to staff members re given below :

Loan in cases where both wife and husband are working:

If both husband and wife are employees of the Bank, as they have separate incomes and have higher combined repayment capacity, they should be allowed one joint loan under IHLS upto their combined entitlements separately as per their individual entitlements. If spouse is working with any other Bank/ Institution / Corporate etc. are Central/State Departments, their Under takings etc., both the husband and wife will be eligible to raise concessionary housing loans as per their individual entitlements from the respective employers.

e Circular No. CDO/P &

HRD/IR/32dated

25.06.2008

The loan amount would be restricted to the extent that their total deductions do not exceed 60% of the gross emoluments.

10%Repayable in EMI within a max. period of 20 years Interest Rate Structure w.e.f. 17.08.10e CIR : CDO/P&HRD/30 dt.23.8.10

Eligibility

Purpose

Amount of Loan

Margin

Repayment

Sanctioned Limit

Continuous service of 5 YearsTo meet shortfall in cost of construction of the house after raising loan under Bank’s scheme

Rate of Interest 0.25 % below rate applicable to publicbut not below MCLR i.e. 8.00%wef 1.01.2017 (Compounded monthly).

97

SBI HOME CASH: (Personal Loan to Home Loan Customers)

Purpose : Any purpose, viz. extension / repair of house, purchase of car/consumer durab les , educat ion /med ica l expenses of family members, personal expenses, etc. There will be no need to obtain documentary evidence for the end-use of funds. A certificate from the customer in the application to the effect that the loan will not be used for speculative purposes would be obtained.

Eligible Amount : Min. `.25,000/-,Max.`.10,00,000/-

Repayment : I) The term loan will be repayable in EMI convenient to the borrower beginning one month after the disbursal of the loan subject to a maximum of 120 EMI.

ii) The overdraft facility will operate on a reducing drawing power arrangement on the EMI basis subject to a maximum 120 EMIs

Security : Extension of mortgage of the

house property.

Discretionary power : Same as for Home Loan sanction.


dated 12.09.2008

MAX GAINIt has been decided that requests from existing staff IHL or staff Housing loan on c o m m e r c i a l t e r m s f o r conversion to maxgain account may b e permitte d . New account will also be eligible for IHL Insurance Sampoorn Suraksha.

Circular No. CDO/P&HRD-IR/26/2016-17

dated 20.05.2016.


dated23.06.2009

98

Repayment after retirement : (Employees/Officers who joined the Bank on or after 01/01/1991 not eligible). In case of employees above 50 years of age availing housing loan, the repayment of the loan can be permitted by the sanctioning authority until an employee attains the age of 75 years. The total repayment period of the loan including principal and interest does not exceed 240 months. Instalment towards principal or interest should not be more than 60% of notional pension and DA thereon. SBI STUDENT LOAN / SBI SCHOLAR LOAN - TO WARDS OF STAFF

Education loan “Global Ed-vantage scheme” for study abroad of Rs. 10 lacs - 1.5 crores is made applicable to staff @ 6.95% [0.5 concessions to girl child] with nil processing fee and 10% margin.


dated 10.11.2017

GLOBAL ED-VANTAGE SCHEME


dated 24.01.2017

a) Margin : upto `. 4.00 lacs Nil : Above `. 4.00 lacs 5% b) Repayment : 10 Years after Moratorium Period

c) Interest Rate : 6.95% (w.e.f. 01.01.2017) and 0.5% less interest incentive to girl students as per the directions of the Ministry of Finance.

SBI student loans to staff members / their wards are sanctioned on the same terms and conditions as applicable to public except for the following relaxations.

e-Associates Bank EmployeesAccordingly, the change in rate of interest of the loans and advances sanctioned to the employees of e-ABs prior to 01.04.2017 shall be similar to that of applicable to SBI employees w.e.f. 05.11.2017.

99

VIII. MEDICAL

MEDICAL

SBIOSR 24(6) - Hospitalization

Except in emergent cases, and where prior consultation with authorized doctor for any reason is not possible, an officer or his family may, with the prior approval of the authorized doctor, be admitted for treatment in a private hospital or nursing home. In the former case, the authorized doctor should be informed of the full particulars of the case as soon as possible after the patient has been admitted. The hospital expenses, nursing home fees and the expenses in connection with surgical treatment may be reimbursed to a reasonable extent, depending upon the nature of treatment / surgery, area / place of treatment / surgery and the grade / scale of the officer, as provided in the circulars / guidelines issued by the bank from time to time.

NATUROPATHY

It has been decided that with effect from the 1st March 1993 expenses incurred on naturopathy system of medicine may also be approved for reimbursement to our officers subject to the following conditions:

i) The naturopathy treatment must be undertaken at a Hospital/ Institute/Centre supervised directly by a qualified registered medical practitioner holding a degree of recognized university in one of the following systems :

a) Degree in Naturopathy (BNYS) from University of Health Sciences, Vijayawada and / or

b) in Hospitals/Institutes/Centres approved by Central or State Government for giving treatment under naturopathy.

ii) The reimbursement of expenses incurred will only be for consultation at the clinic or as an outpatient at hospitals/ institutes/centres.

100

DENTAL TREATMENT

The following emergency nature of dental treatment involving small expenditure to be incurred by an officer can be taken and seek reimbursement thereof after obtaining ex-post facto approval from the authorized doctor / the competent authority:

I) Consultation fee

ii) Infection extraction of teeth

iii) Silver / Composite filling of teeth

iv) Dental X-ray

v) Injury, viz. displacement of the Cap / Bridge / Crown, etc.

vi) Scaling cleaning / polishing

A maximum ceiling of Rs.1,000/- (Rupees one thousand only) has been stipulated for incurring the above nature of expenditure for dental treatment, either piecemeal / item-wise or otherwise , to be taken up by an officer or his dependents.

MOST IMPORTANT :

Before undertaking any of the speciality Dental Treatment, prior submission of estimates of charges from the Dental Consultant and approval thereof is absolutely essential. Specialty dental treatment like inlays, crowns, bridges and orthodontia will be permitted only after submission of a detailed certificate from the Consultant Dental Surgeon that such procedure is absolutely essential for treatment for prevention of a particular disease process and that without such treatment the General Health of the patient will be adversely affected in the long run due to reasons to be given in each case.

Family Planning:

Employees who undergo operation for Family Planning are eligible for the following benefits:

i) Special Casual Leave of 7 days to those who

E Circular No.CDO/P&HRD-PM/13/2012-13

dated23.05.2012

101

Operations.

ii) Special Casual Leave of 14 days to female employees who undergo Non-Puerperal Tubectomy Operation.

iii) One day Special Casual Leave to female employees who have IUD insertions.

iv) A male employee whose wife undergoes a Non-puerperal Tubectomy Operation is eligible for 7 days Special Casual Leave provided the attending Doctor certifies that the presence of the Officer is necessary to look after his wife during her convalescence after the operation.

v) If any post-operation complications develop, he or she may be allowed Special Casual Leave for the period he or she is hospitalized for the post operation complications.

vi) The Special Casual Leave may be prefixed or suffixed to either casual or privilege leave but not to both. In case of wife of Officers, the medical expenses will be reimbursed in full (not 75%). A married employee when claiming such expenses should certify that his wife/her husband is not employed and if employed, is not reimbursed with such expenses by their employer.

An employee who undergoes Sterlisation Operation is entitled for an honorarium of `. 5,000/- provided :

i) The employee should have one, two or three living children.

ii) He should be within the reproductive age group i.e., he should not be over 50 years of age and his wife should be between 20 and 45 years of age. In case of female employee, she must not be over 45 years of age and her husband must not be over 50 years of age.

102

iii) A Certificate must be produced from the Nursing Home for the completion of the Operation. Income Tax: Amount of reimbursement in excess of `.15,000/- p.a. is taxable, except the expenditure pertaining to the hospitalisation.

Advance against Medical Expenses: An advance against expenditure involved in connection with hospitalisation / operation charges, which are not within the normal means of officer, and of emergent nature may be sanctioned by the Deputy General Manager. Serious ailment: Serious ailment such as Psychiatric Disorder, the bills should be submitted within 90 days – 75% eligible.

REIMBURSEMENT OF MEDICAL EXPENSES :

Cir. PER :97 of

30.03.1997

100% actual to the ceiling of the maximumamount specified for a particular treatment, consultations, etc. The rates for reimbursement of medical expenses are revised from time to time

100% of the actual expenses incurred [Familyincludes Spouse, Dependent Parents, Children]this rates will be effective for all medicalexpenses incurred on or after 10-11-2017

For Self

ForFamily

In cases where the employees have obtained medical insurance cover for independent family members reimbursement may be allowed up to the unsettled amounts provided the same is within 75% of total admissible medical expenses and subject to fulfillment of other terms and conditions.

i) In respect of treatment taken in empaneled hospitals under

e Circular No.CDO/P&HRD-PM/7/2015 - 16

dated13.04.2015


dated11.04.2011

(ammended by Circular No. CDO/P&HRD-IR/58/2017-18 dated 10.11.2017

103

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) There will be standardization of Bed charges only as per the grades of the officers in respect of treatment taken at the Empanelled Hospitals, other charges as stipulated by the Circles based on the rates offered by the empanelled hospital shall be paid as per actual. In other words, for treatment taken in eligible bed, the other charges linked to that bed shall be reimbursed in full.

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.

v) 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.

NOTE :

The scheme for reimbursement of medical expenses upto 95% has now been reviewed and under noted improvements have been made in the

104

scheme :

a) In case of diseases other than those listed in Annexure – I, the additional reimbursement shall be considered as under:

Expenses incurred upto ̀ . 1 lakh - 75%

Expenses incurred over ̀ . 1 lakh - 95%

b) In case of serious diseases detailed in Annexure –I, the reimbursement shall be considered as under :

Expenses incurred upto ̀ . 50,000/- - 75%

Expenses incurred above ̀ . 50,000/- - 85%

and upto 1 lac

Expenses incurred above ̀ . 1 lac - 95%

Reimbursement of expenses for treatment of Psychiatric disorder in respect of their eligible family members which will be, however, subject to the condition that the expenses in respect of domiciliary treatment shall be for the period stated in prescription; if no period is stated, the prescription for the purpose of reimburse-ment shall be valid for a period not exceeding 90 days.

Ambulance charges or taxi/auto rickshaw charges, where the facility of ambulance is not established/ available for removing the officer or his family members from residence to the hospital/ nursing home or from one hospital to another hospital or from hospital/nursing home to residence on discharge may be reimbursed. The officer may also be reimbursed with such charges for shifting himself/patient for hospitalization purposes from the place of posting to another center provided the treatment is not available at the place of duty and it is a case of life emergency with a view to save life of the officer/patient treatment in respect of eligible family members.

Executive Health Check up Scheme – Scheme is effective for a further period of 3 years from March 2014. Ceiling has been increased to ̀ .4,000/ and

105

`.4,200/- for male and Female officers respectively at major 'A' category Centres. For other Centers limits may be fixed by the Circles, within the above stipulated amount. The Checkup may be at centres outside the jurisdiction of the controlling ZO / Circle. However, no traveling expenses and leave would be sanctioned.

Definition of Family-The term‘wholly dependent child/parent/’ as the case may be, shall mean such relative having a monthly income not exceeding `.10,000/- p.m. If the income of one of the parents exceeds `.10,000/- p.m. or the aggregate income of both the parents `.10,000/- p.m., both the parents shall not be considered as wholly dependent on the officer.

The facility of Medical aid /LFC may be allowed in case of a married daughter of the employee / officer only in exceptional circumstances, such as where she has been divorced, abandoned or separated from her husband and is residing with and is wholly dependent on the employee/officer.

R E I M B U R S E M E N T O F T H E C O S T O F GLUCOMETER (w.e.f. 1.11.2013)

With ef fect f rom 1.11.2013 reimbursement of the cost of Glucometer and 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 all officers who are diabetic.

b) An officer will be eligible for only one Glucometer. Suitable record thereof is to be kept in HRMS.


dated 29.11.2013

106

c) The cost of Glucometer will be reimbursed up to a maximum amount of Rs. 1300/- (Rupees one thousand three hundred only ) on onetime payment 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 attending Physician / Diabetologist .

STAFF: SUPERVISING-TREATMENT IN PLACES OTHER THAN HEADQUARTERS, CHANGES IN SBIOSR, 1992

An officer who desires to undergo treatment in an empanelled hospital at any centre, either for self or for family member, is now permitted, without any prior recommendation from Bank's Medical Officer and approval of sanctioning authority. The entitlement of the officer would be based on his grade and the rate agreed by the Bank with the hospital under tie up arrangement.

2. Rule 24 (8) (viii) is being added to SBIOSR, 1992 as:

Prior approval from authorised doctor / Bank Medical Officer and prior permission from sanctioning authority will not be required.

e-Circular No.: CDO/P&HRD-

PM/50/2017–18Dated 17.10.2017

IX. RETIREMENT, PF, PENSION & GRATUITY

RETIREMENT (Rule 19) In terms of guidelines issued by the Government of India regarding age of retirement of the officers in the Bank, the age of retirement of all the

officers in the Bank is 60 years. No extension shall be given to any officer employee beyond 60 years of age. An officer shall retire from the service on the afternoon of the last day of the month in which he attains the age

stof 60 years. Officers whose date of birth is 1 day of a month, shall retire on the afternoon of the last day of the preceding month on attaining 60 years of age.

107

Extension of Service:

Cases of officers will be reviewed for the purpose of grant of extension in service or otherwise at the following stages :

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

On attaining 58 years of age, for grant of extension / continuation upto 60 years of age, being the age of retirement

Second Stage

First Stage

The ECCB, in its meeting dated 20.04.2017, has approved that any officer, who has attained 58 years of age and has also c o m p l e t e d 3 0 y e a r s o f service/pensionable service (both the conditions need to be satisfied), will be eligible under the Scheme for Extending Miscellaneous Benefits and if he/she opts for voluntary retirement under the Scheme, he/she will get all benefits which are available for retirement on superannuation in the respective category.A comparative chart for facilities/benefits available on voluntary retirement under the Scheme for Extending Miscellaneous Benefits and voluntary retirement outside the Scheme is given in Annexure-I.

e-Circular No. :CDO/P&HRD-

PM/12/2017–18dated 05.05.2017.

Termination of Service:

An officer shall not leave or discontinue his service in the Bank without first giving a notice in writing of his intention to leave or discontinue the

Voluntary Retirement [Rule 19.1 Provision 4]:

An officer can opt for voluntary retirement after putting in 20 years of pensionable service. This will be permitted by the ECCB to retire him from the Bank's service, subject to his giving three months notice in writing or pay in lieu thereof unless this requirement is wholly or partly waived. Such officer will be eligible for proportionate Pension and usual terminal benefits.

108

service or resign. The period of notice required shall be three months and shall be submitted to the Competent Authority as prescribed by the Central Board of Executive Committee.

NOMINATION FOR PROVIDENT FUND & GRATUITY:

PROVIDENT FUND: A member shall execute any one of the following nomination forms depending upon his marital status.

Where there is family

Where there is no family

Nomination of Form No. COS 434

Nomination of Form No. COS 435

Gratuity : All employees will have to execute nomination to gratuity on Form “F”.

SETTLEMENT OF TERMINAL DUES :

Where employees of the Bank have been found missing and their whereabouts are not known, their terminal dues are not paid to their families before expiry of 7 years.

REVISION OF PENSION SCHEME [Rule 45] :

The salient features of the amendments to the Pension Fund Rules

a) Officers who have completed a min. of 10 years pensionable service at the time they attain the age of 60 years, shall be eligible for pension;

I. Service for the purpose of pensionary benefits will be recorded till the age of retirement ;

ii. Dearness Relief to Pensioners will be at the rate agreed at the industry level. The amount of such relief will be debited to the Pension Fund instead of the Charges Account ;

109

iii. POs who had worked as Clerks prior to their current appointment are eligible for reckoning of pensionable service of the Clerical Cadre.

BENEFIT FOR THOSE WHO ARE NOT ELIGIBLE FOR PENSION

Those officers who are not eligible for Pension shall be given the benefits of Provident Fund on Basic Pay + D.A. upto 1148 points w.e.f. 1.11.1993.

b. PENSION : The Officers of SBI who retire or retired while in service or otherwise cease to be

stin employment on or after 1 May 2005, the pension would be determined with reference to

the pay scales effective from 01.11.02 as under:

Officer’s having pensionable Pay upto ` 21040/- +

PQP + FPP if any

Officer’s having PensionablePay exceeding (1) above

40% of the average pay of last 12 months subject to minimum

of ` 10520/- + half of PQP if any.

50% of the average pay of last 12 months

DEARNESS ALLOWANCE PAYABLE IS AS FOLLOWS :

0.18% for every rise of one slab over CPI 2288 points. (DA payable as on 1.8.2006: 120 slabs. i.e., 120 x 0.18% = 21.60%)

Note : The above revision is related to the 8th bipartite. As regards the 1997/98 bipartite as also family pension, the issue is being followed up separately.

Pension is computed as under :

Average Pay X Length of Pensionable Service* 60

*Completed months to be taken.

c. FAMILY PENSION :

1) The eligibility for family pension will be as per the following sequence :-

Ref No. CDO : P&HRD/-PM87/2014 - 15

dated 04.03.2015

110

a) To widow / widower up to his / her death or remarriage 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 of beneficiary is an unmarried daughter, until she attains 25 years of age or is married or is gainfully employed, whichever occurs first.

d) This process will continue till the last beneficiary attains age of 25 years or is gainfully employed or is married in case of daughter, whichever is earlier.

e) Failing of (a) to (d) above, to son or daughter for life he/she is physically crippled or disabled so as to 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 and deceased employee has left behind neither a widow nor a child. Among the parents, mother will have precedence over father.

The words 'gainfully employed' shall mean that he/she is either self employed or is otherwise employed and is earning from such employ-ment, an income more than the amount of family pension to which he/she is entitled. Where the earning is less than the entitled family pension, the amount of family pension will be payable but be reduced by the amount of such income. Only those cases where parents are dependent and meet other conditions of eligibility for family pension at the time of death of the employee or his/her spouse, whichever is later, are eligible for pension.

2. An employee may be allowed to nominate his / her spouse and disabled children for the benefit of Family

Ref No. CDO : P&HRD/-PPFG/

16/2012 - 13 dated

26.05.2012

15% of substantive salary to a minimum of `. 600/- p.m. and

a maximum of `. 1250/- p.m.

30% of substantive salary subject to a minimum of `. 375/- p.m.


Rate of Family Pension p.m.

Above `. 3000/-

Substantive Salary p.m.

`. 1500/- and below

`.1501/- to `. 3000/-

111

3. Such Nomination may be made in the prescribed format (enclosed alongside) in triplicate along with disability certificate for disabled children issued by a Medical Officer not below the rank of a Civil Surgeon as per C o r p o r a t e C e n t r e C i r c u l a r N o . CDO/PM/16/CIR/10 dated the 30.04.2002.

FAMILY PENSION IS PAID ON THE FOLLOWING BASIS :

Basic Pay will be taken into account applicable w.e.f. 1.11.1987

The Family Pension is revised w.e.f. 1.5.2005 as under:

Substantive Salary p.m.


`. 2,870/- and below

30% of substantive salary subject to a minimum of `.720/- p.m.

`. 2,871/- to `. 5,740/-


Above `. 5,740/-

15% of substantive salary to a minimum of `.1,150/- p.m.

and a maximum of `. 2,400/- p.m.

i) Those who died or retired before 1.11.1993:

ii) In respect of employees retired/died on or after 1.11.1993 but before 1.4.1998:

112

iii) Those who died or retired after 1.04.1998 :

iv) Those retired/died on or after 1.11.2002

Above `. 5,740/-

SubstantiveSalary p.m.


`. 2,871/- to `. 5,740/-



15% of substantive salary to a minimum of `. 2,400/- p.m.


SubstantiveSalary p.m.


30% of substantive salary subject to a minimum of `. 1,435/- p.m.

20% of substantive salary subject to a minimum of `. 1,715/- p.m.


`. 5,721/- to `. 11,440/-

Above `. 11,440/-

15% of substantive salary to a minimum of `. 2,292/- p.m. and a

maximum of `. 4,784/- p.m.

a. Employees/Officers having pension able pay upto to Rs. 51490/=*+ professional Qualifica-tion Pay+Fixed Personal Pay,if

50% of the average of last 12 months

40% of the average pay of last 12 months, subject to a minimum of Rs. 25745/- +half of the PQP & FPP if any of the employee/ o f f i c e r e x c e e d i n g pensionable pay of Rs. 25745/- + PQP & FPP.

PensionThe Govt. of India has cleared the revision of pension with reference to xth bipartite settlement on 26.11.2015. The revised formula is as under :

b) Employees / Officers having pensionable pay exceeding Rs. 51490/-* + PQP & FPP, if any

113

Pension is computed as under:Average Pay X Length of Pensionable Service* 60* Completed months to be taken

Commutation of Pensiona) An officer who retires from Bank's service may commute a fraction not exceeding 1/3rd of his pension. b) The commuted portion of the pension would be restored after the expiry of 15 years from the date of commutation.c) If commutation has been requested after 1 year of retirement, it will be subject to medical examination of retiring officer.

PENSION ON VOLUNTARY RETIREMENT

After 10 years pensionable service, officers will be eligible for proportionate pension at the time they attain the age of 60 years. Those who opt for retirement before 58 years of age, they would be eligible for pension, if they have completed minimum 20 years of pensionable service.

TRAVELLING EXPENSES ON RETIREMENT

On retirement, an officer may be allowed to claim baggage transport charges upto 20% higher rates than the rates normally applicable to serving officers, for movement from the last station he/she is posted to the place where he/she proposes to settle down on retirement.

The officer will be eligible to claim traveling allowance for himself/herself and his/her family from the last station at which he/she was posted to the place where he/she proposes to settle down on retirement, subject to his/her entitlement.

For retirees who retired / retiree on at after 01.11.2012 50% of basic pay during last 12 months salary ½ of PQP +1/2 FPPOr 40% of B.P. or minimum 25745/-

Circular No. CDO/P&HRD-PM/77/2016-17

dated 21.12.2015.(PENSION)

114

GRATUITY : (Rule 46.2)

SBI EMPLOYEES' GRATUITY FUND (AMENDMENT TO THE PAYMENT OF GRATUITY ACT, 1972)

Gratuity is payable to Bank employees in terms of provisions contained in SBI Employees' Gratuity Fund Rules and Regulations, 1991. In terms of Rule 7, Gratuity is payable to the employees of the Bank in terms of provisions of the Payment of Gratuity Act, 1972 read with the payment of Gratuity (Central) Rules 1972, as amended from time to time.

The Ministry of Law and Justice vide Gazette Notification dated 18.5.2010 notified that in section 4 of the Payment of Gratuity Act,1972 in sub-section (3), for the words “three lakhs and fifty thousand rupees”, the words “Ten Lakh Rupees” shall be substituted.

This Act may be called Payment of Gratuity (Amendment) Act, 2010 (No. 15 of 2010). Further, Ministry of Labour and Employment vide Gazette Notification dated 24.05.2010 [S.O.1217(E)] notified that in exercise of powers conferred by sub-section (2) of Section 1 of the Payment of Gratuity Act, 2010 (15 of 2010), the Central Government hereby appoints the 24th day of May, 2010 as the date on which the said Act shall come into force.

All officers in the event of retirement, resignation, death or disablement

15 days wages for every completed year of service or `. 10 lacs w.e.f.

24.05.2010 whichever is lower

Last wages x 15/26 x Number of years of service

Eligibility

Quantum

Formula

Basic Bay + D.A. + FPA +PQA+ Personal Allowance Month to be

reckoned as 26 days

Wages / Salary

GRATUITY UNDER THE ACT

115

FOR OFFICERS AS PER COMPASSIONATE GRATUITY RULES :

i. No service criteria is stipulated for sanction of this Gratuity. Dependents of all officers who die during service and were governed by Pension Fund Rules;

ii. The amount will be payable @ one month pay for each completed year of service subject to a maximum of 15 months pay + additional gratuity @ 1/2 month's pay for each completed year of service beyond 30 years + further additional gratuity @ 1/4 month's pay for each completed

th thyear of service between 16 and 30 year with a minimum of `.20,000/- and subject to a maximum of ̀ .10 lacs;

iii. Compassionate Gratuity will be the highest of amount calculated as Gratuity under Service Rules, under the Act or as Compassionate Gratuity.

FULL AND FINAL SETTLEMENT OF PROVIDENT FUND / GRATUITY

It has been decided by the competent authority to permit Branches/OADs, which are been in receipt of PF/Gratui ty f inal settlement amount s in their BGL accounts (No. 3199309 bbbbbc-System Suspense-HRMS-Approved Reimb/Payment for PF and similar account for Gratuity) for Credit to amount to member's account to value date the credit transaction in CBS while crediting amount to member's account with retrospective effect for the intervening Sundays/ Holidays.

OVERDUE INTEREST ON DELAYED PAYMENT OF GRATUITY :

If the amount of Gratuity is not paid by the employer within the period specified, the employer shall pay


83/2014-15dated

Value Dated Posting

116

simple interest at 10% p.a. from the day Gratuity becomes payable to the date of its actual payment. No overdue interest is payable where the delay is due to the fault of the employee or his legal heirs / nominees.

L E A V E E N C A S H M E N T O N SUPERANNUATION OF EMPLOYEE :

Any payment received by an employee of the Central Government or a State Government, as cash-equivalent of the leave salary in respect of the period of earned leave at his credit at the time of his retirement, whether on superannuation or otherwise, is exempt under sub-clause (i) of clause 10(A) of Section 10. In the case of other employees, this exemption will be determined with reference to the leave to their credit at the time of retirement on superannuation or otherwise, subject to a maximum of ten months' leave. This exemption will be further limited to the maximum amount specified by the Government of India Notification No.S.O.588(E) dated 31.05.02 at `. 3,00,000/- in relation to such employees who retire, whether on superannuation or otherwise, after 1.4.1998.

S B I S C H E M E F O R C O M P A S S I O N A T E APPOINTMENTS AND PAYMENT OF EX-GRATIA LUMP-SUM AMOUNT w.e.f. 05.08.2014

Compassionate appointment is reintroduced in the bank in case of the following cases,

1. a) those who die in exceptional circumstances as a result of violence, terrorism or robbery or dacoity.

b) those who die within 5 years of joining the bank or before serving the age of 30 years.

e Circular No.CDO : P&HRD/PM/65/2014-15

dated 27.12.2014

e Circular No. CDO/HR: 50

dated02.01.2015

117

2. Eligible Employee : a. Employees dying in harnessb. Employees seeking premature

retirement due to incapacitation before reaching the age of 55 years

c. Service records are not blemished on account of disciplinary action.

If compassionate appointment is not s o u g h t , ex-gratia can be claimed. For all the others ex-gratia is

Cadre Amt. of Ex-Gratia

Min. Amt.

Super-vising Rs. 7.0 lacsRs. 14 lacs

Ref No. CDO : P&HRD/PM/6/

2014 - 15 dated

27.12.2014

Ref No. CDO : P&HRD/PM/28

dated 04.08.2005

A part release of ex-gratia for Rs. 100000/- immediately after the death of employee is permitted in case of death during the service.


dated 06.05.2016

ECCB in its meeting dated 18.05.2017 has approved the removal of condition of penury norms for calculation of exgratia in all eligible cases & will be calculated as under:i. The calculation of exgratia will be done @ 60% of the last drawn gross salary (net of taxes) for each month of remaining service of the employee up to the age of superannuation at the time of his death/incapacitation. ii. If the amount so calculated is more than the cadre wise ceiling, the maximum ceiling amount will be paid. iii. If the amount comes to less than 50% of cadre wise ceiling, the minimum floor (fixed) amount i.e. 50% of cadre wise ceiling will be paid. iv. If the amount is more than 50% but less than the cadre wise maximum ceiling, the actual amount so calculated will be paid.These instructions shall be effective from 01st April, 2017.

SBI SCHEME FOR PAYMENT OF EXGRATIA LUMPSUMAMOUNT IN LIEU OF COMPASSIONATE APPOINTMENTMODIFICATION: REMOVAL OF PENURY NORMS

118

iii) TIME LIMIT FOR APPLICATION : (a) 9 months from the date of death (b) In case of i(b) above 2 months from the date of retirementPERMISSION FOR ACCEPTING COMMERCIAL EMPLOYMENT AFTER RETIREMENT : An officer who is entitled to Pension, wishes to accept employment after retirement [whether it is in normal course of voluntarily], he should obtain the prior permission of the Executive Committee of the Central Board, in order to ensure that he gets his Pension due from the Bank. In such cases, while applying for permission, he should advise the Bank of the terms and conditions of the employment proposed to be taken after retirement.RETIREMENT / PENSION / PF / GRATUITYOFFICERS UNDER SUSPENSION : Suspended officers will also be entitled to leased accommodation at a centre of choice for the rental ceilings applicable to that centre on payment of usual recovery. Telephone and furniture, if already provided, will not be withdrawn. Car, if provided will be withdrawn and Conveyance Allowance, Entertainment & Special Allowance will not be paid.WELFARE SCHEME FOR RETIRED OFFICERS RETENTION OF LEASED HOUSE / BANK'S FLAT ON RETIREMENT

Retention of leased house / Bank's flat including designated houses will be permitted upto a maximum of two months. Under any circumstances, education of children should not be an excuse as the date of retirement is known in all cases.

Medical Benefits to the Retired OfficersRetired Officers may avail medical facility upto a maximum of Rs. 2 Lacs after contributing one month’s Pension for the under noted diseases :(a) Cardiac ailments (b) Cancer ( c ) Kidney failure / transplant (d) Retinal detachment/Cornea Replacement (e) Paralysis (f) Tumor (g) Cerebro-Vascular accidents/Brain Haemorrhage (h) Total Hip / Knee replacement (I) Cataract and Glaucoma Surgery (j) Tuberculosis (k) Diabetes (l) Appendicitis Surgery (m) Prostate (n) Hernia (o) Removal of Stone in Gall Bladder (p) Alzheimer’s disease (q) Parkinson’s disease ( r ) Liver Cirrhosis (Non-alcoholic) (s) Arthritis (t) Major Accident /Major Injury

MEDICAL BENEFITS

`. 3 lacs.`. 4 lacs.`. 5 lacs.

`. 2 lacs.

CONTRIBUTION

`. 42,600/-`. 50,000/-`. 57,000/-

2 months gross pension + 15%PLAN

A1B1C1D1

e Circular No. CDO/HR/66

dated24.10.09)

New Plans A1, B1, C1 and D1 have been introduced for domiciliary treatment.

d. Rs. 5,00,000/- if the member has opted to pay Rs. 49,500/- for the membership of Plan-D of the Scheme-II;

e. Rs. 7,00,000/- if the member has opted to pay Rs. 62,000/- for the membership of Plan-E of the Scheme-II;

119

Quantum

Date ofEffect

Maximum amount of Rs. 2 lacs for life forboth the member and his/her spouse

The scheme was in vogue from1st July 1996 to 30th June 2003

b) SBI RETIREES MEDICAL BENEFIT SCHEME-IIExpenses for the treatment of diseases / ailments, as mentioned above, incurred on or after the effective date of membership, will be reimbursed subject, however, to the aggregate claim being limited for life for member as well as his/her spouse and invalid child / children as under :a. Rs. 2,00,000/- if the member has opted to pay

amount equivalent to two months gross Pension for the membership of Plan-A of the Scheme-II;

b. Rs. 3,00,000/- if the member has opted to pay Rs. 37,000/- for the membership of Plan-B of the Scheme-II;

c. Rs. 4,00,000/- if the member has opted to pay Rs. 43,500/- for the membership of Plan-C of the Scheme-II;

a) SBI RETIREES MEDICAL BENEFIT SCHEME-I

120


dated29.09.2015

SBI RETIRED EMPLOYEES MEDICAL BENEFIT SCHEME EXTENSION OF BENEFIT TO SURVIVING SPOUSES OF EMPLOYEES WHO DIE WHILE IN SERVICE

w.e.f. 23.09.2015, Surviving spouses of employees who die while in service are eligible to become member of the SBI Retired Employees' Medical Benef i t Scheme (SBIREMBS) under the existing provisions of SBI Retired Employees' Medical Benefit Trust rules.

Plan A1, B1, C1 & D1 consist of domiciliary treatment. Out of the aggregate limit, an amount not exceeding 10% of the eligible amount would be earmarked for domiciliary treatment subject to yearly ceiling of 1/10 th of the amount i.e., Maximum upto 1% of the limit per annum can be availed for domestic treatment.

(Circular No. CDO/OP &HR-PM/45/2009-10)

FAMILY FLOATER GROUP MEDICLAIM POLICY FOR SBI RETIREES (POLICY – 'B')RENEWAL OF POLICYECCB in its meeting dated 24th March 2017 has decided to provide a one-time fixed subsidy of Rs. 6000/- to each member enrolled in the policy in the current year (16-01-2017 to 15-01-2018), including new members.

e-Circular No. CDO/P&HRD-

PPFG/2/2017–18dated 10.04.2017

i) The spouses of only those employees who die while in service after putting in at least 20 years of pensionable service and after attaining the age of 50 years and above (both the conditions to be satisfied) may be allowed membership of SBIREMBS. The membership will be restricted up to Plan 'E' of the existing scheme (i.e.A1, B1, C1, D1 and E)

ii) The medical benefit will accrue to the spouses on and from the notional date of superannuation of the deceased employee at the age of sixty years, had he/she remained alive or the date of taking membership within a period of 3 months thereafter, whichever is later.

iii) Such eligible spouses would take membership of the scheme by contributing subscription on the same line of provisions in existing scheme within 3 months from the notional date of superannuation of the deceased employee (at the age of 6 years) had the employee remained alive.

All other instructions relating to SBIREMBS shall remain the same.

121

SBI EDCPS-NEW PENSION SCHEMEMinimum required contributions in Tier I & Tier II is as under


dated 31.08.2016.

Nature of NPS Min.Contribution Min. Balance Tier-I 1000/- Not applicableTier-II waved wavedSBI Employees Defined Contribution Pension Scheme (SBIEDCPS) : New Pension Scheme

(Circulars No. CDO/P&HRD-PM/5 dated 13.04.2012, CDO/P&HRD-PM/10 dated 04.05.2012 and CDO/P&HRD-PM/41 dated 09.10.2012)

(a) All employees(including Medical Officers) who joined the Bank on or after 01.08.2010 will be covered by the Scheme. A copy of SBI Employees Defined Contribution Pension Scheme (SBIEDCPS) will deliver to all members of Scheme against acknowledgement and copy of Acknowledgement will be kept in service sheet.

(b) It is mandatory to make monthly Contribution of 10% of Basic+DA in Tier I account of scheme and Bank shall make equal contribution every month rounded off to higher rupee. Contribution to Tier II account is optional for members and Bank will not contribute in it.

122

( c ) Monthly contribution will distribute in equal proportion among i)SBI Pension Fund Pvt Ltd ii) UTI Retirement Solutions Ltd and iii) LIC Pension Fund Ltd. Bank will no way be responsible for risk associated with the investments by charges levied by intermediateries such as CRA,custodians etc will born by the Bank (d) On superannuation at the age of 60 years- 40% of Pension Wealth(Members contribution+Bank's contribution+Interest+Growth) will be invested to purchase Life Annuity from a Life Insurance Company and 60% will be payable in phases between the age of 60 to 70 years (e) An employee who ceases to be in service before 60 years shall deploy minimum 80% of total Pension Wealth in annuity plan from a Life Insurance Company and remaining 20% shall payable to him/her in lumpsum (f) During the suspension or in case of Extra Ordinary Leaves, no contribution either from employee or from Bank is required to pay. However, member is responsible to keep membership live by making minimum required contribution, on which Bank will not contribute. (g) In case of death, the full amount of Pension wealth shall payable to nominee. (h) SBI Funds (P) Ltd. is selected as Pension Fund Manager under SBIEDCPS vide circular no. CDO/P&HRD-PM/66 dt. 21-10-13.

( i ) The ECCB has approved inclusion of 10 % of E m p l o y e e s ' m a n d a t o r y contribution in TierI of NPS at the rate of 10% of Basic Pay and Special Pay plus Dearness A l l o w a n c e o n s u c h p a y . Accordingly, Bank will make matching contribution as per the extant guidelines. Deductions in HRMS in this regard will start from salary of June 2017.

e-Circular No:CDO/P&HRD-

PPFG/23/2017-18Dated 16.06.2017

123

XI. SERVICE RULES

50 (1) Every officer shall conform to and abide by these rules and shall observe, comply with and obey all lawful and reasonable orders

50 (3) If the directions of the Superior Officers are oral in nature, the same shall be confirmed in writing.

50 (4) Every officer shall take all possible steps to ensure and to protect the interest of the Bank and discharge the duties with utmost integrity, honesty, devotion and diligence and do nothing, which is unbecoming of an officer.

50 (7) Shall make a declaration of fidelity and secrecy to the Bank.

50 (10) Not to indulge in any act of sexual harassment of any woman.

51 (5) No officer shall act as an Agent of an Insurance company in his/her individual capacity except on behalf of the Bank.

52 (3) No officer shall grant loan to any individual or company in which his / her spouse is connected.

53 No officer shall take an active part in politics, stand for election as a member in civic/legislative bodies.

56(1) No officer normally shall accept or permit any member of his / her family to accept any gift from any person obligated to the Bank.

57 No officer shall bring any political or outside influence pertaining to matters of his service.

59 No officer in his/her individual capacity will borrow money or permit any member of his/her family to borrow money from any one having dealings with the Bank except from those companies permitted as per terms & conditions laid down by the Bank.

60 (2) No officer should discount or cause to be discounted cheques without sufficient balance.

61 (1) No officer shall speculate in any stocks, shares or securities except for bonafide investment.

62 (2) Every officer shall every year submit his / her st Assets & Liabilities statement as on 31 March.

66) A breach of any of the provisions of the Service Rules shall be deemed to constitute Misconduct punishable under Rule 67

STATE BANK OF INDIA OFFICERS SERVICE RULES -1992SOME OF THE IMPORTANT CONDUCT RULES :-

SCL : CDO :166 of 2001-02

dt 10.09.01

124

67) Minor / Major Penalties

Minor Penalties :a) Censureb) Withholding of increments of pay with or without

cumulative effect.c) Withholding of promotion.d) Recovery from pay or such other amount as may

be due to him of the whole or part of any pecuniary loss caused to the bank by negligence or breach of order.

e) Reduction to a lower stage in time-scale of pay for a period not exceeding 3 years, without cumulative effect and not adversely affecting the officer's pension.

Major Penaltiesf) Same as provided for in (e) above reduction to a

lower stage in the time scale of pay for a specified period with further directions as to whether or not the officer will earn increments during the period of such reduction and whether on the expiry of such reduction and whether on the expiry of such period the reduction will or will not have the effect of postponing the future increment of his pay:

g) Reduction to a lower grade or post;h) Compulsory retirementi) Removal from service;j) Dismissal

These penalties as per Rule 67 came into effect from 15th July 1996.Disciplinary / Appellate / Reviewing Authorities in respect of officers serving in a circle as also in Corporate Centrre are given below.The effect of punishment in respect of minor / major penalties are also appended.

125

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NETWORK/CYBER SECURITY PROTOCOLDATA LEAKAGE / BREACHESTREATMENT AS MAJOR PENALTYAs a deterrent and to impress upon the seriousness and importance of adhering to cyber security related protocols, norms, it be examined whether data leakage breaches etc can be made a “ Major penalty” in code of conduct.

e-Circular no.CDO/P&HRD-

PM/80/2016–17dated 29.12.2016.

130

GUEST HOUSES OF FEDERATION AND AFFILAITES (GUEST HOUSES MAINTAINED BY AISBOF )1. AISBOF GUEST HOUSE AT BANGALORE 'Gandhi Nilaya', No. 10, State Bank of India Officers' Colony, Basaveswaranagar, III Stage, IV Block,BANGALORE-560079. Phone : 234 88 835, 222 70619 Fax: (O) 222 14959/956 (Care Takers: . M. Narayanaswamy :9448616019 &H.Gangadhar :9449671082)

2. AISBOF GUEST HOUSE AT MUMBAI AISBOF Bhavan, Royal Apartments,Shivaji Nagar Housing Society, Bldg No.3, Plot No.6, Bhaudaji Road Extn, Opp. Sion Medical College, MUMBAI - 400 022, Phone: 022-24035226 (Care Taker :Rajesh) Reservations - Please Contact : Admn. Sec. AISBOF Fax: 022-22839882, Phone: 022-22047481

3. AISBOF TRANSIT HOUSE AT MANALI C/o Hotel Classic,Naggar Road, New Manali- 175131 Himachal Pradesh Phone : 01902-25 22 15, 25 26 15 For Reservations Please Contact: Secretary-FinanceChandigarh Circle - .9815657060

4. AISBOF GOA BHAVAN Hotel Park Avenue,Calangute, Bardez-Goa FOR BOOKINGS CONTACT: Shri . Sripad Madkaiker, C.R.S. Mob.: 8806660104 SBIOA, Panaji, Goa Caretaker: Amit Mob. 7798923120Fax: 0832- 221226

MAINTAINED BY AFFILIATES OF FEDERATION1. AHMEDABAD TRANSIT HOUSE (Ahmedabad Circle) 401/402,Krishna Apartments, 10, Rajnagar Society,4th Floor,Opp. Dewan Ballubhai School, Near NID, Narayan Nagar,Paldi, AHMEDABAD - 380 008. Phone: 079 - 266 23 267, 255 07 622,Fax: 255 07 6922 Contact : Shyam Mahavir, 99113341077 Mohanbhai-. 9824621792 Laxmanbhai . 9924682393

2. ALLAHABAD (Lucknow Circle)Flat No. 505, Shyam Pushp Residency,Civil Lines Road, Near Hanuman Mandir, Rajapur Allahabad,Care taker Mob No.8574549655Contact: Arun Srivastava Phone: 08795824370

3. AMRITSAR GUEST HOUSE (Chandigarh Circle)SBIOA Bhawan, House No. 612 B, Block New AmritsarCaretaker No. 9646842656

4. BHOPAL GUEST HOUSE (Bhopal Circle)

(1) HIG-501, 5th Floor, Vijay Stambh, M.P. Nagar, Zone-I BHOPAL-462 011. Phone: 0755-2675383, 4237767 Mobile: 09479595020

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(2) Flat No. 44, Orange,Ist Floor, Planitium Park, Near Mata Mandir, T.T. Nagar, Bhopal - 462 003Phone: 0755-2774484, 42 06595 Fax-0755-2559828) (For Reservation Contact: Madan Jain 09425156635)

5. BHUBANESWAR GUEST HOUSE (Bhubaneswar Circle) N.N. Das Memorial Transit House, Flat No. 7/7, 7/89,Chandrama Housing Complex. Kharvel Nagar, Near Railway Stn. BHUBANESWAR-751001 Ph.: (0674) 2536000,Caretaker MR Biswal 6742392286

6. CHANDIGARH GUEST HOUSE (Chandigarh Circle) Kotha No. 1210, Sector-19-B Chandigarh Contact: Vipan Berri, Secretary Finance: 8872023668Care Taker: Tilak Raj .: 09 35 62 28 887 Fax: 2776812

7. CHENNAI SBIOA TRANSIT HOUSE (Chennai Circle) No: 163, (old 81/82), Gengu Reddy Road, [Near Santosh Nursing Home] Opp. Presidency Girls Higher Secondary School Egmore, CHENNAI - 600 008 Phone: (044) 28194197,28191659

8. CHENNAI SBIOA GUEST HOUSE (N.E.Circle) “BRAHMAPUTRA” Flat No.B-2, I Floor,J.S.Apts, (Near NationalInsurance Co.), 167, Greams Lane,Chennai - 600 006 Phone: 044-28291595 Contact : General Secretary, SBIOA, Guwahati Care-taker : D.M.Sunder, 09841357593

9. CUTTACK GUEST HOUSE (Bhubaneswar Circle) SBIOA Multi purpose co-operative society Transit House Bharatia Tower,4th Floor, Badambadi, CUTTACK - 753 012 Phone: (0671) 23 22 039

10. DARJEELING (Bengal Circle)Shrestha LodgeLadenla Road(Opp. GPO) Darjeeling 09832093913

11. DHARAMSHALA (Chandigarh Circle)SBIOA MEMBERS HOUSE, Cantt. Road, Mcleodganj Road,Dharamshala (H.P.). 9816618480 (Sonu) 9816114806 (Ravi)Contact: 1. A.P. Sharma, Secretary Finance, 8872023668.Fax-0172-2776812. 2. Sh. Pankaj Sharma, Dy. SecretaryFinance, 9417103434, Fax No.0172-2776812.

12. DELHI GUEST HOUSE (Delhi Circle) A-1, New Krishna Park, Near Janakpuri West, Metro Station,New Delhi - 110 018. Phone: 011-23407976 - 78Care-taker: Rahul Mob.: 9990572304

13. SBIOA TRANSIT HOUSE - Ghaziabad (Patna Circle) Plot No: 321, Sector-4, Vaishali,(Opp. Sector - 4 Park) Ghaziabad. Contact : Uma kant Singh-President 09431021685

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14. HARIDWAR GUEST HOUSE (Delhi Circle) Hotel Mayur, Upper Road, Opp.Mansadevi Ropeways Gate, Haridwar – 294401 Phone: 01334-22 75 86. Please Contact SBIOA (Delhi Circle) : Phone: 011-33407978

15. HARIDWAR GUEST HOUSE (Bengal Circle) Hotel Lajja Palance, Laltaro pul, Balmiki Chowk, Beside Central Bank, Uttarakhand, Haridwar – 294401 Phone: 07895302397, 9719259729

16. HYDERABAD GUEST HOUSE (Hyderabad Circle) SBIOA Bhavan, D.No. 3-5-1093/4, Venkateswara Colony,Narayanaguda, Opp. Blood Bank Lane, HYDERABAD-500029 Phone: (040) 24 75 05 55 Contact: General Secretary SBIOA, Hyderabad. Ph (040) 24 75 6440/790/1212, Fax No. 2475 6874

17. HYDERABAD GUEST HOUSE (Hyderabad Circle)SBIOA (HC) Guest House,H.No.5-9-209, Chirag Ali LaneBeside Hotel SG Comforts By Lane,Alnoor Plaza,Hyderabad–500 001 For Reservation Contact Shri P.V.Sameer Kumar, Addl.Treausrer, SBIOA (Hyderabad Circle) 040-66667335;23387537 98484 97767 Care Taker 99667 40416

18. JABALPUR GUEST HOUSE (Bhopal Circle) 14/393,Ghadichowk,Vijay Nagar,Jabalpur (MP) Contact :- Phone:0761-2640353, Care taker- Vishal - 09669964538, 0761-2644166

19. JAIPUR GUEST HOUSE -SBIOA, Jaipur CircleA-19, Swej Farm, Reliance Fresh Wali Gali, Metro Pillar No. 98, New Sanganer Road, JaipurContact : Ravi Prakash Gupta (9414037171)

20. JAMMU GUEST HOUSE (Chandigarh Circle) Flat No. 501, Block-E- Level - I, Dream House Apartments, Bypass Road, Greater Kailash, Jammu Contact: Secretary Finance- A.P. Sharma Mob. 8872023668

21. KANPUR GUEST HOUSE (Lucknow Circle) New Bharat Apartment 7/137, Flat No. 14, Swaroop Nagar, Kanpur, Caretaker Mob No. 9005254029 Contact : Arun Srivastava 8795824370

22. KOLKATA GUEST HOUSE (Bengal Circle) "Sree Krishna Garden, Flat No. DF-4D & DF-5D,4th Floor, 1/1, Raja Rajendra Lal Mitra Road, Beliaghata, Beside Alochaya Cinema Hall, Veliaghata, Kolkata - 700085 Ph.: 09831086436

23. KODAIKANAL TRANSIT HOUSE (Chennai Circle) SBIOA, Transit House, Door No: 78/211- A, 1st floor, Anna Saalai (Formerly Hotel Jaya) KODAIKANAL – 624101Phone: 04542 - 2537906

24. KURNOOL GUEST HOUSE (Hyderabad Circle) River View Apartments, 4th Floor, Near LIC Office,KURNOOL - 518 001 Phone: (08518) 22 53 90 Contact: K. Sudarshan Mob.: 8330903981

133

25. LOLEGAON GUEST HOUSE (Bengal Circle) Hotel Pride, Lolegaon Mob. 09733052224

26. LUCKNOW GUEST HOUSE (Lucknow Circle)B-2 / M-64, SBI Colony, (Near STATE BANK LEARNING CENTRE), Aliganj, Lucknow. Caretaker Mob No. 9889170116Contact: Arun Srivastava Phone:: 08795824370

27. MUSSORIE GUEST HOUSE (Delhi Circle)Hotel Ambica Palace, Wavelry Convent ChowkKala School Gate, Mussoorie Contact 0935886800,Contact : SBIOA (Delhi Circle)

28. MOUNT ABU GUEST HOUSE (Ahmedabad Circle) Hotel Shikhar Nr. Petrol Pump, Mount Abu,Rajastan. Contact Person Shyam Bhar Mob. 9913341077 Virendra Bhar Mob. 9879371528

29. NAGPUR GUEST HOUSE (Mumbai Circle) SBIOA Bhavan Nagpur, Shree Hari Apartment, Plot NO. 56-C, Mata Mandi Road, Prisent Layout, Gokul Peth, Nagpur Phone: 0712-6645808 Contact: Bhandari . 9423959575 Care-taker Ashish . :09021424407

30. NILACHAL TRANSIT HOUSE - GUWAHATI (N.E.Circle) Borbora Niwas, 3rd Floor, GMC Hospital Road, Right side, Bye lane No.1,Srimantapur,Near LG Service Centre Bhangagarh, Guwahati-781032, Caretaker : Bulen Das 8399094895

31. PANCHGANI GUEST HOUSE (Mumbai Circle)Jai Bhavani Co-op. Housing Society, Plot No.6,Behind SaiPalace Hotel, Shantiniwas, Mahabaleshwar Road, PANCHGANI - 412 805. (Satara Dist.) Caretaker: Mane.:09595487778,02168-240122 Bank A/C No. 10996684505 Contact : General Secretary, SBIOA-Mumbai. Fax No: 022-67514043

32. PORT-BLAIR GUEST HOUSE (Bengal Circle) Jai Mathi In Blair (Near SBI Port Blair Branch) No. 48, Sasthiri Road, Aberdeen Bazar, PORT BLAIR - 744 101 Mob. 9474269439, 7063930203

33. PATIALA GUEST HOUSE (Chandigarh Circle)SBIOA Bhawan Patiala #590, SST Nagar, Near Chardi Kalan Time TV Office, Rajpura Road, Patiala Caretaker : Arjun – 7355465086 0175-2371563 Contact: A.P. Sharma, Secretary Finance,8872023668.Fax-0172-2776812. Pankaj Sharma,

Dy. Secretary Finance, 9417103434, Fax No.0172-2776812.

34. PATNA GUEST HOUSE (Patna Circle) SBIOA, Guest House,(Co-Op Guest House) M-2/35, S.K. Puri, Opp. Krishna Apts., Boring Road, PATNA - 800 001 Phone: (0612) 2677273

35. PUNE GUEST HOUSE (Mumbai Circle) Flat No.406, Gulmohar Building, SBI Zonal Office Complex, 2420, East Street, Pune- 411001 Caretaker-Laxman Kumble . 9822262190 Contact : Vijay-09423067407 Bank A/C No.10930855411

36. PURI GUEST HOUSE (Bengal Circle) (i) Hotel Sitara, (Near Puri Hotel) Gopal Ballav Road, Sea Beach, PURI-752001, ORISSA Mob. : 9937121128, 9938496626

37. PELLING GUEST HOUSE (Bengal Circle) Hotel Sunrise Regency, Lower Pelling, West Sikkim. Phone: (033) 22485557, Fax: 033-22621257

38. RAIPUR GUEST HOUSE (Bhopal Circle) Adhikari Sahkari Sakh Samiti, Maryadit, Bhopal)(i) C/o State Bank of India, Kutchery Branch,RAIPUR(CG)Fax-0771-2323747, 09977704669Shri Sunil Tiwari,Guest House in-charge(ii) P-21, Avanti Vihar, Telibanda, Sector-2, GE Road,Raipur (CG) 0771-4039495, : 09630875897Shri Tomlal - Care taker

39. RANCHI GUEST HOUSE (Patna Circle) Flat Bo 2A, Shivatara Apartment, Opp.SBI Ranchi Main Branch, Ranchi - 834001 Phone: 09955827243, (Care taker Debu)Contact: DGS . : 9771495748

40. SAMBALPUR GUEST HOUSE (Bhubaneswar Circle) SBI Officers' Association Transit House, No.127, Ward, NO.5 Bhuthapur, Sambalpur Phone: 0789446081 Caretaker : Bibhuti Bhusan Behera Mob. 789446081

41. SHIMLA GUEST HOUSE (Chandigarh Circle) Flat No.5, Block No. 29,Phase III, SDA Colony, Below Bishop Cotton School, New Shimla (H.P.) Phone: 0177-26 73 045 (Fax) : 0172 2776812 A.P. Sharma Mob. 8872023668 Pankaj Sharma Mob. 94171043434

42. SILIGURI GUEST HOUSE (Bengal Circle) Sudhi Laxmi Apartment, Near SNT Bus Stand, Opp Petrol Pump, Siliguri Lodge Compound, Siliguri-734001 Mob. 8001196966

43. SECUNDRABAD GUEST HOUSE (Hydrabad Circle) Flat No: 106 & 107, Sri Sairajendra Prestige Apts. Street No.5, Neharu Nagar, Werst Maredpally Secundrabad - 500 003 Phone: 040-27883164-65 : Fax : 040-27841988

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135

44. SHIRADI GUEST HOUSE (Mumbai Circle) Sri Sai Guest House, SBIOA Bhawan, Shiradi, No. 187/3, Flat No. 8-9, Behind Pushapak Resorts, Shiradi, Ahmed Nagar Road, Shiradi. Phone: 02423-2568871,Contact: G.S SBIOA(Mumbai Circle) Phone: 022-67514042 Fax: 022-67514043, 02423-256871, Fax 02423-25687245. TIRUPATI GUEST HOUSE (Hyderabad Circle)

46. UDHAGAMANDALAM GUEST HOUSE (Chennai Circle) SBIOA Transit House,133, Hadfield Road, Ooty-Mysore Highway, Near Hillbunk/Ooty Club, Udhagamandalam-643 001Ph.:0423-2449001 Contact: Chennai Circle Ph.: 044-25340226 Caretaker: Dharmalingam Ph.: 09443145840 Phone:044-25228773, 25227170 Fax:044-25261013 47. VARANASI GUEST HOUSE (Lucknow Circle)B-38/47-S-K, Moti Jheel, Mahmoorganj, Near SBI Shivaji Nagar, Branch, VaranasiFor Reservation Contact: Arun Srivastava .: 08795824370 48. VIJAYAWADA GUEST HOUSE (Hyderabad Circle) SBIOA Visakha Bhavan, D.No.49-54-6/3,Shirdi Sai Anugraha Pitam Road, Opp:Minerva Public School,B.S.Layout, Seethammadhara North Extension VISAKHAPATNAM- 530 013, 0891-2573510 Care Taker 93931 04682For Reservation Contact The Deputy General Secretary,SBI Officers' Association (HC), C/o.State Bank of India, Administrative Office, Bajaji Nagar, Siripuram Junction,VISAKHAPATNAM–530 0030891 – 2746618, Fax No.0891-27466349. VISAKHAPATNAM GUEST HOUSE (Hyderabad Circle) SBIOA Hyderabad Guest House, Door N0 49-54-6/3 Shirdi sai anugraha pital road, opp. Minerva public school, B.S. Layout, seethammadara north extension, VISAKHAPATNAM - 530 013. Phone: (0891)27 46 618 (Assn Office) FAX : 2746638 Guest House No. 0891-257351050. VRINDABAN TRANSIT HOUSE (Delhi Circle)Flat No. 502, Ground Floor, Keshav Kunj ApartmentsOpposit ISKON Temple Road, Vrinadaban, : 011-23407976 - 78For Booing- SBIOA(Delhi Circle

( i ) SBIOA GUEST HOUSE,Siva Jyothi Nagar, Beside Kushi HospitalTirumala Bye Pass Road, Near Alipiri Police StationTIRUPATI – 517 501 Care Taker Mob. 99635 83778Contact: Ramasarnya Mob. 97047 72385 (ii) SBIOA GUEST HOUSE, 2nd Floor, Seshadri Sikhara Guest House, 99, Royal Cheruvu Road (RC Road)Near Phalani Theater,Gopala Raju Colony,TIRUPATI – 517 501 Care Taker Mob. 87127 93587Contact: P.V.Sameer Kumar, Addl.TreausrerSBIOA (Hyderabad Circle) Amaravathi Circle PremisesHYDERABAD - 500 004Mob. 040-6666 7335; 2338 7537 Mob. 98484 97767

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NOTES

SAVE PUBLIC SECTOR

Printed by : Printco Printers, Lucknow. Mob. 9415066919

sbi officers’ service conditions at a glance 2018 - gratuity · of “sbi officers service...

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