- Banking Services and Financial Inclusion:
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- Digital Financial empowerment of the public at large: DOP serves more than 29.29 crore Active POSB accounts through 1.56 lakh post offices across length & breadth of the country and have an outstanding balance of Rs. 12,56,073 crore under Post Office Savings Bank (POSB) Schemes. Overall, 1.67 crore new accounts opened and Rs. 4.71 lakh crore Deposits, Rs. 3.48 lakh crore withdrawal made thereby approx. Rs. 8.19 lakh crore volume of transactions handled in CBS (Core Banking Service) POs. As a result, Net addition of 51.45 lakh accounts and Net deposits of Rs. 1,22,851 crore have been done in CBS POs since April, 2021.The Post Office CBS system is the largest network in the world with 24,971 Offices already on this network. Further 1,29,219 Branch Post Offices have been also enabled to access the network on real time basis. The CBS has enabled the DOP in providing 24x7 services through ATMs, Internet & Mobile Banking.
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- Financial Empowerment of Rural Populace: All the 9 Small Savings Schemes of MoF are available in 1.56 lakh Post Offices. 5 Schemes, namely, Monthly Income Scheme, Senior Citizens Savings Scheme, Public Provident Fund, National Savings Certificate & Kisan Vikas Patra have been introduced in Bos (Branch Post Offices). People living in rural India will not be required to come to town & cities to do any Post Office Savings Bank (POSB) transaction. The same will be available at their doorstep through local Branch Post Offices.
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- Economic Empowerment of Girl Child: Sukanya Samriddhi Account (SSA) scheme is also known as girl child prosperity scheme and was launched by Prime Minister Shri Narendra Modi Ji on 22nd January, 2015 in Panipat, Haryana. SSA scheme ensures a bright future for girl children. This scheme has facilitated them in proper education, marriage expenses and securing their future. The Sukanya Samriddhi Account can be opened in any post office. A total of 2.26 Crore Sukanya Samriddhi Accounts have been opened with deposits amounting to Rs. 80,509.29 Crore, by the Department of Posts, till October, 2021 since introduction of the scheme. Approx. 86% of the total SSA accounts in the country are through Post Offices only.
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- Insurance and Pension coverage of masses at reasonable rates: The PM Jan Suraksha Schemes, namely, Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeewan Jyoti Bima Yojana (PMJJBY) & Atal Pension Yojana (APY) were launched by Hon’ble Prime Minister in May, 2015. The DOP has been playing an active role under these Government of India flagship schemes and had made 3.47 Lakh Atal Pension Yojana (APY), 7.54 Lakh Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) (including annual auto renewals) and 1.38 crore Pradhan Mantri Suraksha Bima Yojana (PMSBY) (including annual auto renewals) enrolments so far.
3. Postal Life Insurance (PLI)/Rural Postal Life Insurance (RPLI):
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- A provision has been introduced for claimant to file an appeal against rejection of death claim cases in PLI/RPLI.
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- “Sankalan” e-compendium comprising Post Office Life Insurance Rules 2011, various Standard Operating Procedures, Forms etc. was released on occasion of PLI Day i.e., 01.02.2021 for ease of officials working at various offices as well as for the use of customers and is also available on website.
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- Rule 61 of POLI Rules, 2011 has been amended wherein the restriction of two (2) years for settlement of claim on death due to suicide has been reduced to one (1) year, at par with insurance industry practice.
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- Business Performance of PLI and RPLI: As on 31.10.2021, there were a total of 100.51 lakh active PLI and RPLI policies with an aggregate sum assured of Rs. 2.32 lakh crores.
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- Investment Functions of PLI and RPLI Fund: The total corpus of PLI/RPLI fund has reached Rs. 1.27 lakh crores upto 31.10.2021.
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- Bima Gram Yojana : From January 2021 to October 2021, 6,657 villages brought under the coverage of Bima Gram Yojana (BGY). Each Bima Gram Yojana village has at least 100 households covered by one RPLI policy.
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- Customer can procure Postal Life Insurance policies online without visiting Post Office. To facilitate multiple payment option of PLI premium and disbursement like Maturity/ Surrender/ Survival/ Death / loan, a close integration with Post Office Savings Bank (POSB) has been done, wherein policy holders can use Standing Instructions (SI), POSB eBanking, mobile banking facility and also use Post Office ATM facilities. Multiple payment gateways have also introduced in the system for online premium payment.
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- PLI/RPLI Policy bonds in digital format are now available to policy holders through DigiLocker.
4. Citizen Centric Services:
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- Post Office Passport Seva Kendras (PoPSK): With the growing need of citizens for a passport, Ministry of External Affairs and Department of Posts have mutually agreed for setting up Post Office Passport Seva Kendras (PoPSKs) in post offices to utilise the reach and infrastructure of Post Offices for delivering passport services. 428 PoPSKs have been made operational till date, of which 02 PoPSKs have been opened in 2021 namely (i) Dombivali, Maharashtra and (ii) Ekma, Bihar. 12,01,360 applications have been processed through PoPSKs from January, 2021 to October, 2021.
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- Aadhar Enrolment and Updation Centres: The facility has brought convenience to the citizens by way of generating new Aadhaar and updating their Aadhaar cards in case of any change/mis-match. More than 42,000 Postal Officials/MTS/GDS have been trained/certified to perform Aadhaar operations. The Aadhaar Enrolments are done free of cost. 13,352 Post Office Aadhaar Centres have been set up across the country. 1,49,50,803 requests for enrollments / updations have been processed by these Centres from January, 2021 to October, 2021.
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- Direct Benefit Transfer (DBT): More than 3.29 crores transactions were performed involving an amount of Rs. 3607 crores for a period from January, 2021 to October, 2021. Disbursed benefits of more than 275 schemes of different Ministries to beneficiaries including those in remote and rural areas.
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- Digital Inclusion: 1,29,252 Branch Post offices are using SIM based handheld Point of Sale (POS) devices.
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Digital Advancement of Rural Post Offices for a New India (DARPAN): Carried out 12.87
crores online Postal and financial transactions involving an amount of Rs.19,402/- crores for a period from January, 2021 to October, 2021 through 1,29,252lakh Branch Post Offices in the rural areas of the country. More than 1.95 crores transactions per month are taking place through DARPAN devices.
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- PO-CSC (Post Office-Common Service Centres): A convergence of Post Offices and Common Service Centres for effective delivery of various citizen centric services is a part of the five-year Vision Document (2019-24) of the Department of Posts. Accordingly, 91867 Post offices are now providing CSC services through Digital Sewa Portal of CSC.
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- Launched on 04.05.2020 in 22 Pilot Post Offices selected from 11 Circles.
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- Expanded to 91867 offices by Oct 2021.
- MoA Signed between DoP and CSC-SPV on 15.12.2020
- More than 49669 Operators trained
- 100+ CSC Services are offered through these POs which include G2C and B2C Services.
- Since its inception, as on 31.10.2021, 7.37 Lakh transactions worth ₹59.9 Crores were delivered through 91867 PO-CSCs
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- Some of Government to Citizen Schemes Promoted by CSC are:
- Pradhan Mantri Street Vendors’ Atma Nirbhar Nidhi Yojana
(PMSVANIDHI)
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- Pradhan Mantri Jan Arogya Yojana (Ayushman Bharat)
- Pradhan Mantri Shram Yogi Maan-dhan Yojana (PM-SYM)
- Pradhan Mantri Laghu Vyapari Maan-dhan Yojana (PM-LVM)
- The Election Card Printing
- Various e-District Services
- Some of B2C (Business to Citizens) Services offered are
- Bharat Bill Payment System Bills (Electric, Gas, Water bills etc...)
- Renewal Premium collection for Life Insurance Policies and General Insurance such as Motor Vehicle,etc
- Third party services such as EMI collections for various loans offered by financial institutions and submission of online application forms for loans.
- Travel services such as Ticket booking service is available for Flight, Train and Bus Tickets
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- Opening of new Branch Post Offices (BOs) in 90 identified Left Wing Extremism (LWE) affected districts in the country: In pursuance of the Ministry of Home Affairs (MHA) Note for Cabinet Committee on Security (CCS), a proposal for opening of 4903 new Branch Post Offices (BOs) in 90 identified LWE districts in the country was under taken. In the first phase, 1789 Branch Post Offices have been opened, so far. Recently, Ministry of Finance (MoF) has approved the proposal for opening of remaining 3114 BOs in 90 LWE districts. In this context, 3114 Gramin Dak Sewaks –Branch Postmaster & Assistant Branch Postmaster posts have already been sanctioned to all concerned circles viz, Andhra Pradesh, Bihar, Chhattisgarh, Jharkhand, Madhya Pradesh, Maharashtra, Orissa, Telangana & Uttar Pradesh respectively for opening of remaining 3114 BOs in 90 LWE districts. All concerned circles have already been intimated to make 3114 BOs functional by the end of the March.
5. Public Grievances:
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- Centralized Public Grievance Redress and Monitoring System (CPGRAMS): Revamping of Centralized Public Grievance Redress and Monitoring System (CPGRAMS) was done by mapping over 1.5 lakh Post Offices till the level of Branch Post Offices byintuitive navigation of complaints to the line-end offices for faster resolution of grievances. Department of Posts was the first Department to revamp CPGRAMS in collaboration with Department of Administrative Reforms & Public Grievances. This version not only saves time of resolution but also reduces human intervention by bypassing infructuous levels. The option of remedy of Appeals against resolution was provided to the complainants on CPGRAMS in Jan 2021. The details of the grievances handled in 2021 upto 15.11.2021 areas under:-
|
Year
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Complaints received during the period including
B/F
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Complaints settled during the period
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% of settlement of settle ment
|
Average disposal time (days)
|
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01.01.2021 to
15.11.2021
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48637
|
46585
|
96
|
16
|