POSB (CBS) Manual 
        
       Note:- These rules apply to the Post Office Savings Accounts and, also mutatis, to  
        
         (1)  Post Office Savings Account  
         (2)  National Savings Recurring Deposit Account 
         (3)  National Savings Time Deposit Account 
         (4)  Public Provident Fund Account  
         (5)  National Savings Monthly Income Account 
         (6)  Senior Citizens Savings Scheme Account  
         (7)  Sukanya Samriddhi Account  
         (8)  Kisan Vikas Patra Account 
         (9)  National Savings Certificates (VIII Issue) Account 
           
          Except where separate rules are made with regard to the particular type of accounts, in which 
          case, such rules relating to the particular type of accounts will apply. 
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
        
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                   Contents 
                   Chapter 1:- POST OFFICE SAVINGS ACCOUNT ................................................................. 9 
                          1.      Saving Bank Offices ................................................................................................ 9 
                          2.      Duties and Responsibilities of the Supervisor and Tenure ...................................... 9 
                          3.      Distribution of Work ............................................................................................. 10 
                          4.      CBS Pass Book ...................................................................................................... 10 
                          5.      Stock Register For CBS Pass Books In Head Post Offices ................................... 11 
                          6.      Stock Register of CBS Pass Books in Sub Offices ............................................... 12 
                          7.      Transmission of CBS Pass Books ......................................................................... 12 
                          8.      Register Of Undeliverable CBS Pass Books In Deposit In The HOs And SOs .... 13 
                          9.      Pay-In-Slip (SB-103) ............................................................................................. 15 
                          10.     Preliminary Receipt (SB-26) ................................................................................. 15 
                          11.     Receipt for depositor‟s CBS Pass Book (SB-28) .................................................. 16 
                          12.     Supply of Savings Bank Account Statement ......................................................... 18 
                          13.     Types of Savings Accounts ................................................................................... 18 
                          14.     Specimen Signatures and Photograph ................................................................... 21 
                          15.     Nomination ............................................................................................................ 22 
                          16.     Opening of Savings Account ................................................................................. 23 
                          17.     Opening of Account............................................................................................... 29 
                          18.     Acceptance of deposit/Funding in Savings, SSA and PPF account. ..................... 30 
                          19.     Printing of Passbook .............................................................................................. 30 
                          20.     Process in CPC ...................................................................................................... 31 
                          21.     Procedure for acceptance of deposit/funding of account when initial deposit is 
                          made by cheque................................................................................................................ 31 
                          22.     Procedure for acceptance of deposit/funding of account when initial deposit is 
                          made by transfer of funds ................................................................................................ 31 
                          23.     Opening of Account-Procedure in Extra Departmental Branch Post Offices (Non 
                          RICT) ............................................................................................................................... 32 
                          24.     Procedure in the Account Office for accounts opened at their Branch Post Offices 
                          (Non RICT) ...................................................................................................................... 33 
                          25.     Accounts Opened In Contravention Of Rules ....................................................... 33 
                          26.     Subsequent Deposits/Credits-Mode of Deposits/Credits ...................................... 34 
                          27.     In case Account Stands at Extra Departmental Branch Post Office ...................... 36 
                          28.     Withdrawals/Debits from Savings Account .......................................................... 37 
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                       29.    Presentation and writing up of CBS Pass Book .................................................... 42 
                       30.    Withdrawal on the basis of general power of attorney either at HO or SO ........... 43 
                       31.    Withdrawal at Branch Offices (Non RICT) .......................................................... 43 
                       32.    Withdrawal from any CBS Post Office including Account Office in respect of 
                       accounts standing at EDBO (Non-RICT) ........................................................................ 44 
                       33.    Memo of Admission of Payment ........................................................................... 45 
                       34.    Attestation of Signature of The Depositor ............................................................. 46 
                       35.    Withdrawals from Minor's Accounts ..................................................................... 46 
                       36.    Withdrawals from Lunatic‟s Accounts .................................................................. 47 
                       37.    Closure of Savings Account .................................................................................. 47 
                       38.    List of Transactions, Consolidation and Voucher Bundle ..................................... 49 
                       39.    Disposal of List of Transactions (LOT) And List Of Documents In Head Offices
                              50 
                       40.    Sb Slips (SB-27) .................................................................................................... 51 
                       41.    Consolidated Journal of Deposits/Withdrawals .................................................... 51 
                       42.    Transfer of Accounts ............................................................................................. 51 
                       43.    Procedure for Transfer ........................................................................................... 51 
                       44.    Issue of Fresh Pass Book In Lieu Of Used Up One .............................................. 54 
                       45.    Issue of Duplicate Pass Book ................................................................................ 55 
                       46.    Issue of pass book in lieu of spoiled pass book ..................................................... 57 
                       47.    Action to be taken by Inspecting/vising officers ................................................... 57 
                       48.    Change of Name of Depositor or Change of Agent of Depositor ......................... 57 
                       49.    Calculation and posting of annual s.b. Interest and posting of interest in pass 
                       books in head/sub post offices ......................................................................................... 59 
                       50.    Verification of Balances ........................................................................................ 61 
                       51.    Disposal of Undelivered Pass Books ..................................................................... 62 
                       52.    Return of Pass Books To Depositors By Head/Sub Office ................................... 62 
                       53.    Interest Short/Excess Passed ................................................................................. 63 
                       54.    Accounts Which Are To Be Treated As Silent ...................................................... 64 
                       55.    Revival of Silent Account...................................................................................... 64 
                       56.    Transfer of Branch Office From One Account Office To Another Under The 
                       Same Head Office ............................................................................................................ 67 
                       57.    Conversion of Branch Office into Sub Office ....................................................... 67 
                       58.    Amounts defrauded from S.B. Accounts to Departmental Officials and not 
                       accounted for in the books of the Department. ................................................................ 67 
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                       59.    Verification of withdrawals of Rs. 10,000/- and above in savings accounts at 
                       branch offices ................................................................................................................... 69 
                       60.    Payment of The Amount Of Savings Bank Accounts In The Name of Deceased 
                       Depositors ........................................................................................................................ 70 
                       61.    Settlement of claim of a depositor becoming insane or otherwise incapable of 
                       managing his own affairs. ................................................................................................ 85 
                       62.    Settlement of Claims To Balances In Sb Accounts Standing In The Name 
                       Ofpersons Unheard For More Than Seven Years ............................................................ 85 
                       63.    Attachment of Money At The Credit of An Account By Civil or Other Court or 
                       Other Competent Authority ............................................................................................. 85 
                       64.    Confiscation of Money By The Reserve Bank Of India or Any Other Competent 
                       Authority .......................................................................................................................... 86 
                 Chapter 2 :- NATIONAL SAVINGS RECURRING DEPOSIT ACCOUNT......................... 87 
                       65.    Salient features ...................................................................................................... 87 
                       66.    CBS Pass Book ...................................................................................................... 87 
                       67.    RD Journal ............................................................................................................. 87 
                       68.    Nomination ............................................................................................................ 87 
                       69.    Type of Accounts................................................................................................... 87 
                       70.    Defaults in Payment Of Monthly Installments ...................................................... 88 
                       71.    Payment of Defaulted Installments........................................................................ 88 
                       72.    Opening of An Account ......................................................................................... 89 
                       73.    Modes of Deposit of Subsequent Installments ...................................................... 89 
                       74.    Rebate on Deposits Paid In Advance .................................................................... 92 
                       75.    Acceptance of Deposits In Absence of The CBS Pass Book ................................ 93 
                       76.    Half Withdrawal (RD Loan) .................................................................................. 93 
                       77.    Repayment of Withdrawal (RD Loan) .................................................................. 93 
                       78.    Closure of Account on Maturity ............................................................................ 94 
                       79.    Continuance of deceased depositor‟s accounts ..................................................... 96 
                       80.    Payment of amount in accounts in the name(s) of the deceased depositors .......... 96 
                       81.    Premature Closure of Rd Accounts ....................................................................... 97 
                       82.    List of Transaction and Cosolidation of Deposits and Withdrawas ...................... 97 
                       83.    Transfer of Accounts ............................................................................................. 98 
                       84.    Submission of Returns to Control Organisation .................................................... 98 
                       85.    Protected Savings Scheme ..................................................................................... 98 
                       86.    Sanction of Claim .................................................................................................. 99 
                       87.    Procedure in Circle Office for registration and verification of claims under the 
                       Protected Savings Scheme in RD accounts ................................................................... 100 
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