Is subscriber eligible for interest on late submission of application of final payment on quitting service?
Subscriber shall submit the application for final payment according to Rule 29 (B) i.e. one month from the date of quitting service on whatsoever reason and six months before the date of retirement on superannuation.
How many times a subscription can be reduced/increase in a financial year?
Subscriber can enhance subscription twice and reduce once in a financial year.
What should I do if the GPF Authority is not readable?
Subscriber must download Kruti Dev-010 Font to read GPF Authority.
How can I download my Annual Statement from the GPF Portal?
E-Statement of the GPF Account can be downloaded using a PIN/Password from the office website.
How will the final payment be made on the death of the subscriber?
On the death of the subscriber, the department will submit the application in the prescribed form along with all the certificates. The following documents must be attached to the case.
i) Nomination certificate If the nomination certificate is not available then its non-availability certificate.
ii) Full details of the subscriber's family.
iii) If the nomination is not filled by the subscriber and there is no family, then the successor certificate of the competent court must be sent.
i) Nomination certificate If the nomination certificate is not available then its non-availability certificate.
ii) Full details of the subscriber's family.
iii) If the nomination is not filled by the subscriber and there is no family, then the successor certificate of the competent court must be sent.
How is the General Provident Fund paid on resignation from the government and being appointed to another service?
If the subscriber joins the service of one government leaving the service of one government, then in such a situation, interest will be calculated on the deposit amount of the subscriber under Rule 14 and money will be transferred along with interest.
What documents / certificates are required to be attached to the last payment case?
It is necessary to attach the following documents / certificates with the last payment case.
i) All entries have been completed by checking the application check list in the prescribed format.
ii) Verified original copy of the general provident fund book (passbook).
iii) Certified list of partial advance withdrawals taken from 05/06/1972 till retirement should be mentioned along with treasury voucher number and date.
iv) Original nomination in case of death of subscriber, if original nomination is not available then nomination letter of drawing officer's certificate is not available and list of family members, if not family, then heir certificate from competent court.
i) All entries have been completed by checking the application check list in the prescribed format.
ii) Verified original copy of the general provident fund book (passbook).
iii) Certified list of partial advance withdrawals taken from 05/06/1972 till retirement should be mentioned along with treasury voucher number and date.
iv) Original nomination in case of death of subscriber, if original nomination is not available then nomination letter of drawing officer's certificate is not available and list of family members, if not family, then heir certificate from competent court.
What is the final payment process?
In case of retired subscriber / deceased subscriber, in case of the claimant, whatever the situation may be, the application will be submitted to the Accountant General after completing the application form and attaching the complete document according to the check list in the prescribed format of the Fifth Schedule. The format is available on this office website.
What is the procedure for filing an online complaint?
Online Grievance Redressal can be done on Office of the Accountant General (A & E) II office website. Your problem will be resolved within one month of filing the complaint online.
When will the accounting reform be reflected in the account of the subscriber?
All the corrections made during the year will be reflected in the accounting statement issued after the accounting conference at the end of the year.
Is it necessary to deduct the advance from the balance even if the advances are deposited in the recovery account?
Yes. The amount withdrawn from Advances will be reduced at the time of determining the balance of the account and the recoveries received against the advance will be deposited in the account.
What are the verified details to be validated for account correction?
i) A copy of the verified passbook containing details of the bowl / drawing with voucher number and date.
ii) Photocopy of the verified voucher / bowl sheets indicating the headline, name of the drawing officer, voucher number and date.
iii) Details verified by withdrawal and affiliation.
iv) Photocopy of cash book, bill register etc.
ii) Photocopy of the verified voucher / bowl sheets indicating the headline, name of the drawing officer, voucher number and date.
iii) Details verified by withdrawal and affiliation.
iv) Photocopy of cash book, bill register etc.
How will the passbook be maintained?
Passbook will be maintained by each drawing addressing officer of all general provident fund members subordinate to him. Passbook will be prepared month / year wise. In this, complete details of all the bowls / withdrawals will be recorded, in which details of the amount of bowl vouchers, number of bowls, amount of dues etc. will be given. Regarding withdrawals, acceptance and tip of withdrawals should also be given clearly. At the end of the year, passbook should be addressed along with calculation of the amount of interest. Each year's passbook is required to be verified with the drawing officer.
Is it mandatory for the department to maintain the Provident Fund Passbook of the subscriber?
Yes, Government of Madhya Pradesh, Finance Department Order No. FB 9/1/83 / R-2. Four as on 14-02-1983.
Are the entries of acceptance partial final withdrawals also done in the service book?
Yes . After 05/06/1972, the partial final withdrawals accepted and paid should be made mandatory in the service book of the concerned employee. (Madhya Pradesh Government Finance Department Order No. F.B. 9/1/84/N.2/4 dated 31/07/1984)
7. If the account is a negative balance then what is the provision of interest?
In case the account is negative, 2.5% additional interest will be applicable along with the current interest rate (as per Rule 15).
6. Can a person other than a member of the family be nominated for the general provident fund?
No, only family members as defined in General Provident Fund Rule 2c (i) (a) & (ii) can be nominated.
5. What is the maximum subscription rate?
No more than total emoluments.
4. What is the minimum subscription rate?
12 percent of the total emoluments (Rule 11).
3. Is contribution to general provident fund necessary?
Monthly subscription is required every month except the suspension period and four months before retirement. In case of half-monthly vacation, it is optional. Therefore, subscriptions can be made only on written consent. (Rule 10)
2. Who is eligible for subscription to the General Provident Fund?
Government employees of Chhattisgarh are competent to fix service conditions, except those Employees who are permanently or temporarily appointed / hired or on reappointment before January 1, 2005. (Rule 4)
1. Who maintains General Provident Fund accounts in Chhattisgarh?
The General Provident Fund Account of the officers / employees of the State of Chhattisgarh is maintained by the Office of the Accountant General (Accounts and Entitlement) in accordance with the provisions of the Madhya Pradesh General Provident Fund Rules 1955.
I have not received GPF statement for a particular year.
(i) Statements are uploaded after the close of each financial year on the website http://www.aghr.cag.gov.in. in the last week of June or 1st week of July every year.
(ii) to get the same, you may approach your DDO.
(iii) You can also down load the same from the website duly entering your PIN.
(ii) to get the same, you may approach your DDO.
(iii) You can also down load the same from the website duly entering your PIN.
My GPF account does not show credits upto the on-going month or shows some credits missing.
Posting of Accounts of a particular month is completed and uploaded on the site after a gap of about 2 months.
(ii) In case of missing credits, please send complete detail of subscriptions showing Treasury Voucher No./Month, Total amount of Bill, copy of GPF schedules for that particular month etc. through the DDO.
(ii) In case of missing credits, please send complete detail of subscriptions showing Treasury Voucher No./Month, Total amount of Bill, copy of GPF schedules for that particular month etc. through the DDO.
Whether an employee joined prior to 01.01.2006, is eligible for allotment of GP Fund account number?
A person who has joined the Hr. Govt service before 01.1.2006 on regular basis is eligible for allotment. After 01.01.2006, New Pension Scheme is in operation. (Rule 2 of Hr. Civil Service (GPF) Rules, 2016.
Shall a subscriber have to come to AG’s office for drawing his final withdrawal?
No, The subscriber should approach the Concerned DDO mentioned in the intimation letter for drawing final withdrawal.
Who are all our family members as per General Provident (CS) Rules 1960 ?
‘Family’ includes, spouse, parents, children (including adopted child/ward), minor brothers, unmarried sisters, deceased son’s widow and children and where no parents of the subscriber is alive, a paternal grandparent.
Whom should be we nominate for receiving the amount remains in our GPF account after our death ?
Every government servant should submit nomination in the prescribed form immediately on joining the Fund. While an employee not having family may nominate any other person, the nomination should be in favour of family member(s) only in the case of one having family. The subscriber may provide in the nomination that the nomination shall become invalid in the event of the happening of a contingency specified therein e.g. a bachelor may nominate his father or mother. He can specify in the nomination that the nomination will become invalid in the event of his subsequently getting married. If the nomination is made in favour of more than one person, the proportionate share in which the amount will be payable should be specified clearly in the relevant column. At any time, the nomination may be canceled by the government servant.
Whether deposits made in General Provident Fund is exempted from attachment?
In terms of Section 60(1) of Civil Procedure Code, 1908 Deposits made in General Provident Fund has got immunity with regard to attachment under a decree or order of a court of law.
How the rate of interest for GPF is fixed?
Rate of Interest for General Provident Fund is fixed every year by the Government. The present rate of interest is 8%.
What is the maximum amount that can be withdrawn from GPF ?
The amount withdrawn from GPF at a time cannot exceed one-half of available balance or six months’ pay, whichever is less. The sanctioning authority /Head of the Department may, however, permit an advance upto 75% of the available balance, in exceptional cases depending upon the grounds of application. The withdrawal upto 90 % of the available balance is permitted in case of purchase/construction of house / arranging marriage of son or daughter etc.
Should we submit any utilization certificate or completion certificate after taking GPF withdrawal ?
Yes. One has to furnish a certificate that the amount withdrawn from GPF have been utilized for the purpose for which it was taken. In case of failure to do so, sanctioning authority may recover the entire advance from the pay in one lump, or in as many installments he decides fit.
Are there any chances of making withdrawal even if the applicant does not posses the qualifying service ?
Yes. As per Rule 15 (1)(B) of the GPF Rules, for purchase of a ready built house/flat, purchase of housing site and/or construction of a house, repairs, reconstruction of housing property already owned by employee, and / or for repaying any loan expressly taken for the above purposes etc. the condition of qualifying service does not apply.
Is there any qualifying service ( or minimum length of service) for an employee to make withdrawal from fund ?
Yes. As per Rule 15 (1)(A) of the GPF Rules, the applicant should have completed 15 years of service, or should have less than 10 years to retire, as the case may be for making withdrawals.
What are the reasons for which GPF Withdrawal can be made ?
One can make GPF withdrawal for the reasons of higher education of self, children, legal expenditure, expenses towards betrothal, marriage, purchase of consumer durables such as TV, VCR, washing machines, computers etc. Moreover, withdrawal can also be made for purchase or construction of house, repairs or renovation of house etc. If the applicant has less than 12 months to retire, there is no need to give any reason for withdrawal.
What is GPF Part-final withdrawal ?
GPF Part final Withdrawal means withdrawal of fund from your savings in GPF Account, for specified reasons. This amount need not repaid back to your account. The amount withdrawn shall stand debited from your account forever. Such withdrawals are covered under terms and conditions as per Rule 15 (1)(A) and (B) of GPF (CS) RULES, 1960.
Is it possible to convert a GPF Advance to a part final withdrawal ?
Yes. A GPF Advance taken can be converted into part-final withdrawal, subject to the fulfillment of conditions / approval of the competent authority.
If I am still repaying the GPF advance taken earlier, can I take another GPF Advance ?
One can take another GPF Advance when an earlier advance is yet to be repaid completely. However, the amount pending from earlier advance and the proposed next GPF advance shall be consolidated and installments should be re worked and paid accordingly.
What is the maximum amount that can be taken as GPF Advance ?
The amount taken as GPF Advance at a time cannot exceed one-half of available balance or three months’ pay, whichever is less. The sanctioning authority may, however, permit advance in excess of this limit (up to 75 % of the available balance), in exceptional cases depending upon the merits of the application.
How many times in a year GPF Advance can be taken ? Is there any limit in the same during whole of our service?
One can take GPF Advance any number of times in our career. However, At least 4 months time gap will between two advances and 6 months time gap for withdrawals have to be maintained. The sanctioning authority, may relax this rule in exceptional cases depending on the merits of the application.
What are the reasons for which GPF Advance can be taken ?
One can take GPF Advance for the reasons of higher education of self, children, legal expenditure, religious vow, obligatory expenses towards betrothal, marriage and other like ceremonies, for purchase of consumer durables such as TV, camera, mobile phone washing machines, computers etc.
What is a GPF Advance ?
GPF Advance is an interest free loan from your savings in General Provident Fund Account for specified reasons. You need to repay the same into your account in equated monthly installments. No interest shall be charged on the amount so taken as advance. However, you will not be paid any interest on GPF amount taken as advance. Such advances are covered under terms as per sub Rule (1) of Rule 12 of GPF (CS) RULES, 1960.
When does subscription to the GPF cease?
In the case of retirement of subscriber on superannuation, the subscription to the fund shall not be made during the last three months of his service.
On what occasions am I required to send fresh nominations to the Accounts Officers concerend?
A subscriber is required to send fresh nomination -
when he has cancelld the nomination made by him earlier;
immediately on a nominee, in respect of whom no special provision has been made in the nomination as alternate nominee(s), predecesasing the subscriber; and
when the nomination made earlier becomes invalid in the event of an unmarried subscriber getting married; and subscriber having only one member of family at the time of mking the nomination, subsequently acquiring that member or members in this family.
when he has cancelld the nomination made by him earlier;
immediately on a nominee, in respect of whom no special provision has been made in the nomination as alternate nominee(s), predecesasing the subscriber; and
when the nomination made earlier becomes invalid in the event of an unmarried subscriber getting married; and subscriber having only one member of family at the time of mking the nomination, subsequently acquiring that member or members in this family.
Who can be nominated under the GPF Rules conferring the right to receive the amount that stand to the credit of my account in the fund in the event of my death?
A subscriber may nominate one or more persons conferring on him/them the right to receive the amount that may stand to his credit in the Fund in the event of his death. Such person or persons may include a company or association or body of individuals, whether incorporated or not.
A subscribe who has a family at the time of making the nomination has to make such nomination only in favour of a member or members of his family.
A subscribe who has a family at the time of making the nomination has to make such nomination only in favour of a member or members of his family.
What emoluments are taken for the purpose of fixing the subscription to the fund?
In the case of a subscriber who was in Government service on the 31st March of the preceeding year, the emoluments to which he was entitled on that date, will be determine the rate of subscription. In other cases, the emoluments to which he was entitled on the date he joins the fund will be taken for fixing the rate of subscription.
What is the minimum rate that I can subscribe to the Fund?
The minium rate that a subscriber can subcribe to the Fund is 6% of Basic Pay+Dearness Pay. Subscription at less than six% is permissible in case where the suscriber elects to subscribe at the minimum rate fixed and where by the rounding off rule, the fraction of a rupee of less than fifty paise, gets eleminted
Can I opt not to subscribe to the GPF?
A subscriber may elect not to subscribe to his GPF during extra-ordinary leave, half pay leave and leave not due. He should communicate this to the Head of Office before proceeding on leave.
How do I get start subscribing to the GPF?
No application for admission to the GPF is necessary in the case of Government servants after a continuous service of one year. They are under the rules required to subscribe to the GPF. Application for admission to the Fund is necessary in the case of temporary Government servants who desire to subscribe to the fund before completion of one year's continuous service.
I am a temporary Government Servant. Do I have to Subscribe to the GPF?
A temporary Government Servant normally begins to subscribe to the fund on completion of on year's continuous service. If he completes this during the middle of a month, the subscription will commence from the subsequent month.
A temporary Government servant including Apprentice and Probationer can, at his option, subscribe to the Fund any time before completion of one year's continuous service, if he is appointed against a regular vacancy which is likely to continue for more than a year.
A temporary Government servant including Apprentice and Probationer can, at his option, subscribe to the Fund any time before completion of one year's continuous service, if he is appointed against a regular vacancy which is likely to continue for more than a year.
Am I eligibile to subscribe to GPF? Is there any exception?
All permanent Government Servants, all temporary employees including Apprentices and Probationers who have completed one year's continuous service and all re-employed pensioners who are not eligible for admission to the Contributory Provident Fund, are required to subscribe to the GPF
If the account is a negative balance then what is the provision of interest?
In case the account is negative, 2.5% additional interest will be applicable along with the current interest rate (as per Rule 15).
Can a person other than a member of the family be nominated for the general provident fund?
No, only family members as defined in General Provident Fund Rule 2c (i) (a) & (ii) can be nominated.
What is the maximum subscription rate?
No more than total emoluments.
What is the minimum subscription rate?
12 percent of the total emoluments (Rule 11).
Is contribution to general provident fund necessary?
Monthly subscription is required every month except the suspension period and four months before retirement. In case of half-monthly vacation, it is optional. Therefore, subscriptions can be made only on written consent. (Rule 10)
Who is eligible for subscription to the General Provident Fund?
Government employees of Madhya Pradesh are competent to fix service conditions, except those Employees who are permanently or temporarily appointed / hired or on reappointment before January 1, 2005. (Rule 4)
Who maintains General Provident Fund accounts in Madhya Pradesh?
The General Provident Fund Account of the officers / employees of the State of Madhya Pradesh is maintained by the Office of the Accountant General (Accounts and Entitlement) II Madhya Pradesh in accordance with the provisions of the Madhya Pradesh General Provident Fund Rules 1955.
How to avoid penal interest in case of minus balance (i.e. recovery of overpayment) during service and after your retirement ?
The recovery of amount drawn in excess of the amount at your credit will be recovered along with 2.5% up to date interest over and above the normal rate of interest. This recovery should be deposited by you in one lump-sum otherwise will be realized from your pay, arrears and land revenue.
How to get a copy of G.P.F. Pass Book ?
You are entitled to get a copy of our Pass Book from your DD.O. by depositing prescribed
fees.
fees.
How to ensure correct maintenance of G.P.F. Pass Book ?
Your Pass book is maintained by your D.D.O. and in case of your transfer it will be forwarded to that Office along with your L.P.C.
Verify your Pass Book annually.
Ensure that all the subscription, Recovery of advance, Temporary advances and Withdrawal taken by you is correctly entered. All the columns of Pass Book are correctly filled in and certified by your concerned D.D.O. of that posting (separately for debit and credit both) and closing is done properly.
There should be no cutting, erasing or overwriting in the Pass Book if, any correction is required the same must be attested by the D.D.O.
Only then you should sign your Pass Book in token of its annual verification.
Verify your Pass Book annually.
Ensure that all the subscription, Recovery of advance, Temporary advances and Withdrawal taken by you is correctly entered. All the columns of Pass Book are correctly filled in and certified by your concerned D.D.O. of that posting (separately for debit and credit both) and closing is done properly.
There should be no cutting, erasing or overwriting in the Pass Book if, any correction is required the same must be attested by the D.D.O.
Only then you should sign your Pass Book in token of its annual verification.
How to ensure that recovery is made against correct account number ?
After posting of the subscription in the subscribers account a message with all the details is forwarded through SMS on their registered mobile number. Subscriber can also check their subscription in Ledger Card section of the website of this office. Apart from that they
should verify frequently that only correct account number/name is given in the G.P.F. schedule prepared by their D.D.O.
should verify frequently that only correct account number/name is given in the G.P.F. schedule prepared by their D.D.O.
How to deposit subscription if posted in Foreign Service?
If posted in U.P., the amount should be deposited in State Bank of India through Treasury Challan with complete details like GPF Account No., Name of subscriber, Salary month etc.
If posted outside U.P., the amount should be forwarded to Accounts Officer, A.G. (A&E)-I, U.P. through a Bank Draft/Cheque ccompanied by complete details in schedule as well as in the back of the Bank Draft/cheque itself.
If posted outside U.P., the amount should be forwarded to Accounts Officer, A.G. (A&E)-I, U.P. through a Bank Draft/Cheque ccompanied by complete details in schedule as well as in the back of the Bank Draft/cheque itself.
What is the amount of subscription?
Other than Class IV - The amount should not be less than 10 percent of basic pay and not more than the amount of basic pay. AISPF – The amount should not be less than 6 percent of emolument and not more than the amount of emoluments.
How GPF account number can be allotted?
Send your application in prescribed proforma through your D.D.O. to A.G.U.P. well before
the completion of one year of service.
the completion of one year of service.
How to avoid penal interest in case of minus balance (i.e. recovery of overpayment) during service and after your retirement ?
The recovery of amount drawn in excess of the amount at your credit will be recovered along with 2.5% up to date interest over and above the normal rate of interest.
This recovery should be deposited by you in one lump-sum otherwise will be realized from your pay, arrears and land revenue.
This recovery should be deposited by you in one lump-sum otherwise will be realized from your pay, arrears and land revenue.
How to rectify error ?
Subscriber’s Pass Book is a primary document. If it is reconciled annually then the
rectification matter will not arise at all, at the time of retirement. Hence all efforts for correct maintenance should be done between the subscriber and DDO. You should point out any error or omission found in the Pass Book to your D.D.O. before signing the Pass Book and get it rectified.
rectification matter will not arise at all, at the time of retirement. Hence all efforts for correct maintenance should be done between the subscriber and DDO. You should point out any error or omission found in the Pass Book to your D.D.O. before signing the Pass Book and get it rectified.
How to get a copy of G.P.F. Pass Book ?
You are entitled to get a copy of our Pass Book from your DD.O. by depositing prescribed
fees.
fees.
How to ensure correct maintenance of G.P.F. Pass Book ?
Your Pass book is maintained by your D.D.O. and in case of your transfer it will be forwarded to that Office along with your L.P.C.
Verify your Pass Book annually.
Ensure that all the subscription, Recovery of advance, Temporary advances and Withdrawal taken by you is correctly entered. All the columns of Pass Book are correctly filled in and certified by your concerned D.D.O. of that posting (separately for debit and credit both) and closing is done properly.
There should be no cutting, erasing or overwriting in the Pass Book if, any correction is required the same must be attested by the D.D.O.
Only then you should sign your Pass Book in token of its annual verification.
Verify your Pass Book annually.
Ensure that all the subscription, Recovery of advance, Temporary advances and Withdrawal taken by you is correctly entered. All the columns of Pass Book are correctly filled in and certified by your concerned D.D.O. of that posting (separately for debit and credit both) and closing is done properly.
There should be no cutting, erasing or overwriting in the Pass Book if, any correction is required the same must be attested by the D.D.O.
Only then you should sign your Pass Book in token of its annual verification.
How to ensure that recovery is made against correct account number ?
After posting of the subscription in the subscribers account a message with all the details is forwarded through SMS on their registered mobile number. Subscriber can also check their subscription in Ledger Card section of the website of this office. Apart from that they
should verify frequently that only correct account number/name is given in the G.P.F. schedule prepared by their D.D.O.
should verify frequently that only correct account number/name is given in the G.P.F. schedule prepared by their D.D.O.
How to deposit subscription if posted in Foreign Service?
If posted in U.P., the amount should be deposited in State Bank of India through Treasury Challan with complete details like GPF Account No., Name of subscriber, Salary month etc.
If posted outside U.P., the amount should be forwarded to Accounts Officer, A.G. (A&E)-I, U.P. through a Bank Draft/Cheque ccompanied by complete details in schedule as well as in the back of the Bank Draft/cheque itself.
If posted outside U.P., the amount should be forwarded to Accounts Officer, A.G. (A&E)-I, U.P. through a Bank Draft/Cheque ccompanied by complete details in schedule as well as in the back of the Bank Draft/cheque itself.
What is the amount of subscription.
Other than Class IV - The amount should not be less than 10 percent of basic pay and not more than the amount of basic pay. AISPF – The amount should not be less than 6 percent of emolument and not more than the amount of emoluments.
How GPF account number can be allotted?
Send your application in prescribed proforma ( http://agup.nic.in/agdocs/GPF_Account_opening_form.pdf ) through your D.D.O. to A.G.U.P. well before the completion of one year of service.
Does office of the Principal Accountant General(A&E),Manipur maintain the GPF account of Grade-IV employees?
No.
The GPF accounts of the Grade-IV employees are maintained by the Heads of the Departments (Vide Finance Department, Government of Manipur Office Memorandum No. 1/195/92-PIC(III) dated 16th October, 1992)
The GPF accounts of the Grade-IV employees are maintained by the Heads of the Departments (Vide Finance Department, Government of Manipur Office Memorandum No. 1/195/92-PIC(III) dated 16th October, 1992)
What is the procedure for adjustment of missing credits/ debits?
Missing credits arise due to misclassification in the treasuries or incorrect details in GPF schedules. At times, schedules/vouchers are not received from the Treasuries for various reasons and as a result some of the subscriptions/refunds/arrears/withdrawals do not get posted in the account. These missing credits/debits can be located and included in the subscriber’s account after proper verification of the accounts rendered to AG by the Drawing and Disbursing Officers/Treasuries subject to furnishing the following details duly certified by the Drawing and Disbursing Officers and the Treasury Officers.
1. Name of the Subscriber
2. GPF Account number
3. Name of the DDO under whom the official had served
4. Amount of subscription/refund/withdrawal
5. Salary month for which details are being furnished
6. Head of Account (up to Detailed Head) under which salary was drawn
7. Treasury/Sub Treasury where the salary was drawn
8. Treasury voucher number / challan number
9. Totals of the schedule amount enclosed in the particular voucher as noted on the abstract in case of credit
10. Date of payment of the voucher/remittance of the amount in the case of challan remittance
11. Total amount of the GPF payment vouchers in respect of debits
1. Name of the Subscriber
2. GPF Account number
3. Name of the DDO under whom the official had served
4. Amount of subscription/refund/withdrawal
5. Salary month for which details are being furnished
6. Head of Account (up to Detailed Head) under which salary was drawn
7. Treasury/Sub Treasury where the salary was drawn
8. Treasury voucher number / challan number
9. Totals of the schedule amount enclosed in the particular voucher as noted on the abstract in case of credit
10. Date of payment of the voucher/remittance of the amount in the case of challan remittance
11. Total amount of the GPF payment vouchers in respect of debits
How to Apply for Closure?
The application in prescribed format duly filled in and signed by the subscriber/claimant(s) is to be given to the department for forwarding the same to the Accountant General along with requisite documents by the Head of Office/ Head of the department.
What is the procedure for gpf final withdrawal (closure)?
1. Final withdrawal of accumulation is permitted when subscriber quits the service (on retirement, dismissal, resignation, compulsory retirement, removal etc.)
2. In case of death of subscriber while in service.
2. In case of death of subscriber while in service.
What is the procedure of conversion of an advance to part final withdrawal?
A subscriber may, at his discretion by written request, convert the balance outstanding under a temporary advance into a part-final withdrawal after satisfying conditions laid down in Rules 15-A to 15-I.
Is the Annual GPF Statement available on the website?
Yes, the Annual GPF Statement along with the status/ detail is available on the website.
Under what circumstances is Deposit Linked Insurance Scheme money admissible?
Deposit linked Insurance Scheme amount is admissible up to a maximum of Rs. 10,000/- when a subscriber dies in service subject to the following conditions:
The balance in the GPF account of the subscriber should not fall below Rs. 4000/- in case of Class I government servants, Rs. 2500/- for class II, Rs. 1500/- for Class III and Rs. 1,000/- for Class IV officials.
The deceased subscriber must have put in at least 5 years of service at the time of death.
The average GPF balance is be worked out on the basis of balance at the credit of the subscriber at the end of each of the 36 months preceding the month in which death occurs.
The balance in the GPF account of the subscriber should not fall below Rs. 4000/- in case of Class I government servants, Rs. 2500/- for class II, Rs. 1500/- for Class III and Rs. 1,000/- for Class IV officials.
The deceased subscriber must have put in at least 5 years of service at the time of death.
The average GPF balance is be worked out on the basis of balance at the credit of the subscriber at the end of each of the 36 months preceding the month in which death occurs.
Whether any government dues can be recovered from final GPF payment?
Money due on account of advance of pay and amount embezzled cannot be legally being deducted from the GPF balance.
No dues can be deducted from the GPF balance at the time of retirement from the un-disbursed amount of GPF either from the subscriber or the nominee of a deceased subscriber even if the consent of the subscriber or nominee has been obtained.
In cases where the subscriber or nominee is willing to repay the amount due to Government, the best course is to treat the repayment as second transaction. The whole of the GPF balance is to be first paid intact and without any compulsion. Thereafter the payee may be called upon to make good the Government dues.
No dues can be deducted from the GPF balance at the time of retirement from the un-disbursed amount of GPF either from the subscriber or the nominee of a deceased subscriber even if the consent of the subscriber or nominee has been obtained.
In cases where the subscriber or nominee is willing to repay the amount due to Government, the best course is to treat the repayment as second transaction. The whole of the GPF balance is to be first paid intact and without any compulsion. Thereafter the payee may be called upon to make good the Government dues.
Upto which period is interest on GPF balance calculated in the event of death/ retirement of a government servant?
Interest on GPF is allowed up to a maximum of 6 months from the date of death/retirement of a government servant or . Interest after this period is also payable provided the delay is on the part of the government in making payment of the GPF accumulation.
What are the documents required to be submitted by a gazetted government servant along with the Final Payment Application?
1. The Application should be made in Form-A.
2. Three copies of the government servant’s specimen signature duly attested by the Head of the Office/Department should be enclosed with the Application Form.
2. Three copies of the government servant’s specimen signature duly attested by the Head of the Office/Department should be enclosed with the Application Form.
In case a government servant dies in harness without leaving any nominees for his GPF accumulation, what are the documents required to be submitted along with the Final Payment Application (Form-C)?
• If claim for payment is by the widow/widower, no documents are required except proof that she/he is widow/widower of deceased subscriber.
• If claim for payment is by the mother on behalf of minor children of the deceased who is not a Hindu, the Guardianship Certificate issued by a Court should be enclosed.
• If claim for payment is by another relative of the deceased, a Succession Certificate issued by a Court should be enclosed and also the reasons for the claim being preferred as for example, the subscriber died as bachelor/ the spouse pre-deceased ( in such cases the death certificate of the deceased spouse should also be enclosed)/etc.
• The Death certificate of the deceased subscriber from the competent medical authority must be enclosed along with Form-C.
• If claim for payment is by the mother on behalf of minor children of the deceased who is not a Hindu, the Guardianship Certificate issued by a Court should be enclosed.
• If claim for payment is by another relative of the deceased, a Succession Certificate issued by a Court should be enclosed and also the reasons for the claim being preferred as for example, the subscriber died as bachelor/ the spouse pre-deceased ( in such cases the death certificate of the deceased spouse should also be enclosed)/etc.
• The Death certificate of the deceased subscriber from the competent medical authority must be enclosed along with Form-C.
How do I apply for final withdrawal of the balance standing at the credit of a GPF Account (on super-annuation/ ceasing to be a government servant/death of a government servant)?
You should fill up the prescribed forms and along with required documents get these forwarded through your Head of Office/Department to the MPF Section of AG’s office dealing with your case.
The prescribed forms are: (i) Form- A to be filled up by gazetted government servants; (ii) Form- B to be filled up by non-gazetted government servants; (iii) Form-C to be filled up in the case where a government servant dies in harness).
Any enquiries regarding the final payment of GPF (after the final payment application has been forwarded to this office) should be made by referring to the forwarding letter number and date under which the application was sent to the AG’s office by the Head of Office/Department. The enquiry should be addressed to MPF Section of the AG’s office.
The prescribed forms are: (i) Form- A to be filled up by gazetted government servants; (ii) Form- B to be filled up by non-gazetted government servants; (iii) Form-C to be filled up in the case where a government servant dies in harness).
Any enquiries regarding the final payment of GPF (after the final payment application has been forwarded to this office) should be made by referring to the forwarding letter number and date under which the application was sent to the AG’s office by the Head of Office/Department. The enquiry should be addressed to MPF Section of the AG’s office.
Whether the GPF balance GPF becomes payable when a subscriber
resigns from the service and joins a new service.
resigns from the service and joins a new service.
No, if a subscriber quits service to join another government office/department under the same State Government, he can
continue with the same GPF Account number.
If a subscriber resigns and joins another State Government or Central Government office/department, he/she should apply for transfer of his/her GPF balance to his/her new GPF account number giving full details of the new GPF account number, department/authority maintaining the account, full address, etc.
In case a subscriber quits government service altogether or to take up a job in the private sector, the balance at the credit of the subscriber’s of GPF Account becomes payable.
continue with the same GPF Account number.
If a subscriber resigns and joins another State Government or Central Government office/department, he/she should apply for transfer of his/her GPF balance to his/her new GPF account number giving full details of the new GPF account number, department/authority maintaining the account, full address, etc.
In case a subscriber quits government service altogether or to take up a job in the private sector, the balance at the credit of the subscriber’s of GPF Account becomes payable.
When does the amount in my GPF Account become payable?
The balance lying at the credit of the subscriber becomes payable after the government servant/subscriber ceases to be in government service (quitting service/dismissed or removed from service/proceeds on leave preparatory to retirement/is retired from service after being declared unfit by the competent Medical Authority).
When should I stop my monthly GPF subscription?
In case of retirement on superannuation, the GPF subscription should compulsorily be stopped 6 months preceding the date of retirement as per Sub-rule (5) of Rule 7 of MCS(GPF) 1985.
Whether my Temporary Withdrawal from my GPF can be converted to a Non-refundable Advance?
A Temporary Withdrawal from GPF can be converted into a Non-refundable Advance subject to the conditions laid down in Rules 16 and 17 of Meghalaya GPF Rules 1985.
Whether the amount I take out from my GPF Account balance requires to be refunded?
There are two types of advances that can be taken from GPF account, viz., (i) Temporary Withdrawal and (ii) Non-refundable Advance.
In case you take a Temporary Advance from your GPF balance, the Advance is recoverable in a minimum of 12 and maximum of 24 installments.
Non refundable advance is not required to be refunded.
In case you take a Temporary Advance from your GPF balance, the Advance is recoverable in a minimum of 12 and maximum of 24 installments.
Non refundable advance is not required to be refunded.
Is the amount shown in my Annual GPF Account Statement final?
No, the GPF balance, monthly credits and debits shown in your Annual GPF Statement are provisional figures. Any mistakes detected in your GPF Statement should immediately be taken up in writing with the AG’s office supported by evidence of the correct position.
Can advance/ withdrawal be made from my GPF Account?
Yes, an advance/withdrawal not exceeding 3 months' pay or half of the amount standing at the credit of a subscriber whichever is less can be sanctioned from the GPF by the appropriate authority for meeting expenditures on the purposes specified in Rule 13 and 16 of the Meghalaya GPF Rules, 1985.
What is the annual rate of interest on GPF deposit?
With effect from the financial year 2017-18 the annual rate of interest is 7.9%.
What should be done when a subscriber changes his/her name?
The application for change of name in the GPF account should be made through the Head of the Office/Department to the MPF Section of the AG’s office dealing with your case along with a attested copy of court affidavit or any other legal evidence/documents.
What should be done if my name is incorrectly shown in my GPF Annual Statement?
An application through your Head of Office/Department should be made to the concerned MPF Section of the AG’s office requesting that your name be corrected. Evidence of the correct name such as a photocopy of your identity card should be sent along with your application.
What can I do to avoid missing credits/debits in my GPF Account?
In the AG’s office, the GPF subscription of every subscriber is tabulated from the GPF Schedules that are received in the AG’s office along with the Treasury/Divisional accounts every month. In the subscriber’s own interest, the subscriber should ensure that his DDO correctly fills in the GPF Account number, name of the subscriber, GPF subscription amount, month of subscription and month of account in the GPF Schedule.
What is to be done when missing credits are shown in a subscriber’s GPF Statement?
The evidence of the missing subscription(s) (i.e. statement showing treasury voucher number and date, salary month, subscription to GPF duly certified by the DDO/Treasury Officer) should be sent to the MPF section of Accountant General (A&E) Office dealing with your GPF account for adjustment of the missing credits on the basis of the evidence furnished.
How is the monthly GPF subscription to be made when a subscriber proceeds on deputation or on foreign service?
While on deputation or foreign service, the GPF subscription can be made through Cheques or Drafts issued/drawn in favour of Accountant General (A&E) Meghalaya accompanied with the statement/schedules showing the GPF account number and month of subscription. The cheque /drafts should be sent to the concerned MPF Section of the AG’s office. As a measure of precaution, the subscriber should personally retain the particulars of the forwarding letter, cheque/bank draft number and amount. At the year end, when he/she receives his annual GPF Statement and should there be any missing credits indicated therein, these particulars can be furnished as proof for adjustment of the missing credits.
Can the rate of subscription be changed?
Yes. The GPF subscription can be reduced once and enhanced twice during the course of a financial year. The enhanced and reduced rate should be between the prescribed maximum and minimum limit.
Is it compulsory to subscribe to GPF even when a subscriber is on leave, suspension etc.?
A subscriber is required to subscribe monthly to GPF except during the period when he/she is under suspension. A subscriber on re-instatement after a period passed under suspension has the option however if he/she so chooses, of paying in one lump sum or installments, any sum not exceeding the maximum amount of arrear subscriptions payable for the period the subscriber was under suspension.
The subscriber may at his/her option not subscribe to GPF during leave which either does not carry any leave salary or carries leave salary equal to or less than half pay or half average pay.
The subscriber may at his/her option not subscribe to GPF during leave which either does not carry any leave salary or carries leave salary equal to or less than half pay or half average pay.
What is the definition of “emoluments”?
“Emoluments” means pay, leave salary or subsistence grant as defined in the Fundamental Rules and includes leave salary or subsistence grant, if admissible, and any remuneration of the nature of pay received in respect of Foreign Service of the subscriber on 31st March of the preceding year in the case of an existing GPF subscriber. In the case of a subscriber who was not in government service on 31st March of the preceding year, the emolument to which he was entitled on the day he joins GPF will be taken for fixing the rate of subscription. (Rule 2 (b) of Meghalaya Civil services(GPF) Rules, 1985).
GPF contribution - is there any minimum and maximum prescribed rate for GPF subscriptions?
The amount of monthly GPF subscription is the discretion of the subscriber. However, it cannot be less than 6 .25 percent of the emoluments and not more than his/her emoluments. (Rule 8 (b) of Meghalaya Civil services(GPF) Rules, 1985).
When does a nomination become invalid?
If, at the time of making the nomination the subscriber has no family and he specifically states in the nomination that it shall become invalid in the event of his subsequently acquiring a family, the existing nomination becomes invalid when a subscriber acquires a family.
I have retired from Service but not yet drawn my GPF balance. Can I change my nomination?
Yes, the nomination can be changed even after retirement of the subscriber but before he/she has drawn the amount at his/her credit in GPF.
Can a nomination once made be changed/cancelled subsequently?
Yes, if a subscriber through the Head of Office/Department writes to the AG’s office canceling a nomination made by him/her earlier, the nomination would forthwith be treated as cancelled.
A fresh nomination need not be compulsorily sent along with the notice of cancellation of the existing nomination. In case a fresh nomination is not sent along with the notice of cancellation, the payment of GPF amount would be made in the manner as prescribed in the Meghalaya General Provident Fund Rules, 1985.
The notice from the subscriber of cancellation of his/her existing nomination will be treated as valid even if it reaches the AG’s office after the death of the subscriber.
A fresh nomination need not be compulsorily sent along with the notice of cancellation of the existing nomination. In case a fresh nomination is not sent along with the notice of cancellation, the payment of GPF amount would be made in the manner as prescribed in the Meghalaya General Provident Fund Rules, 1985.
The notice from the subscriber of cancellation of his/her existing nomination will be treated as valid even if it reaches the AG’s office after the death of the subscriber.
When does a wife or husband cease to be a member of the family?
In case of male subscriber:
If a male subscriber proves that his wife has been judicially separated from him or has ceased under the customary law of the community, to which she belongs to be entitled to maintenance, she shall be deemed to be no longer a member of the subscriber’s family.
In case of female subscriber:
If the subscriber through her Head of Office/Department submits in writing to the AG’s office her desire to exclude her husband from her family, the husband shall be deemed to be no longer a member of the subscriber’s family.
If a male subscriber proves that his wife has been judicially separated from him or has ceased under the customary law of the community, to which she belongs to be entitled to maintenance, she shall be deemed to be no longer a member of the subscriber’s family.
In case of female subscriber:
If the subscriber through her Head of Office/Department submits in writing to the AG’s office her desire to exclude her husband from her family, the husband shall be deemed to be no longer a member of the subscriber’s family.
Who can be nominees?
A GPF subscriber who has a family at the time of making the nomination shall make such nomination only in favour of a member or members of his family.
Family in the case of male subscriber means wife or wives and children (including legitimate and adopted where the adoption is recognized by the personal law governing the subscriber), the widow or widows and children of a deceased son of the subscriber.
Family in the case of female subscriber means the husband and children of a subscriber and the widow or widows and children of the deceased son of a subscriber.
If a subscriber nominates more than one person, he/she shall specify in the nomination the amount or share payable to each of the nominees in such manner as to cover the whole of the amount that may stand to his/her credit in the GPF.
Family in the case of male subscriber means wife or wives and children (including legitimate and adopted where the adoption is recognized by the personal law governing the subscriber), the widow or widows and children of a deceased son of the subscriber.
Family in the case of female subscriber means the husband and children of a subscriber and the widow or widows and children of the deceased son of a subscriber.
If a subscriber nominates more than one person, he/she shall specify in the nomination the amount or share payable to each of the nominees in such manner as to cover the whole of the amount that may stand to his/her credit in the GPF.
Nominations?
Every gazetted government servant shall at the time of first subscribing to GPF submit a nomination in the prescribed form through his Head of Office/Department to MPF Section of AG’s office conferring on one or more persons the right to receive the amount that may stand to his/her credit in his/her GPF account in the event of his/her death.
In case of non-gazetted government servants, the nomination forms are required to be maintained by the Head of the Office.
It should be noted that the nomination of a GPF subscriber is valid even if he/she dies before it reaches the AG’s office.
In case of non-gazetted government servants, the nomination forms are required to be maintained by the Head of the Office.
It should be noted that the nomination of a GPF subscriber is valid even if he/she dies before it reaches the AG’s office.
What is to be done in a case a subscriber has been allotted with two different GPF Account numbers?
The subscriber should immediately take up this matter in writing addressing the Sr. Accounts Officer (MPF Group) of AG’s office giving details of both the GPF account numbers. The MPF Section will verify the facts and if found true, will close one of the GPF account numbers and the balance from this account transferred to the other account number, under intimation to the subscriber concerned.
Which Section of AG’s office deals with my GPF Account?
There are two Sections (MPF I and MPF-II) in the AG’s office which deal with GPF accounts of various department of Govt. of Meghalaya. One can see the departments which are being dealt in these sections by clicking on the hyper link.
How to enquire from the AG’s office about the status of application for allotment of a new GPF Account number?
Applicant can see the list of employees of Govt. of Meghalaya who has been allotted with new accounts numbers in this website which are being uploaded by the first week of every month for the previous month.
In case the applicant's name is not displayed in the list, he/she can enquire from the Office of the AG (A&E), Meghalaya in writing referring/quoting the letter number and date under which the application form for allotment of new GPF number was forwarded to the Accountant General’s office.
In case the applicant's name is not displayed in the list, he/she can enquire from the Office of the AG (A&E), Meghalaya in writing referring/quoting the letter number and date under which the application form for allotment of new GPF number was forwarded to the Accountant General’s office.
How to apply for a GPF Account number/ subscribe to GPF?
An application for a new GPF Account number in the prescribed form {circulated to all departments/heads of offices by Finance (AF) Department, Government of Meghalaya vide Circular No. FEM/54/94/96 dated 08/08/2006} duly filled in by the subscriber should be forwarded through the Head of Office or Head of the Department to Meghalaya Provident Fund (MPF) Section of the Office of the Accountant General (A&E), Meghalaya.
Under what circumstances is Deposit Linked Insurance Scheme money admissible?
Deposit linked Insurance Scheme amount is admissible up to a maximum of Rs. 10,000/- when a subscriber dies in service subject to the following conditions:
The balance in the GPF account of the subscriber should not fall below Rs. 4000/- in case of Class I government servants, Rs. 2500/- for class II, Rs. 1500/- for Class III and Rs. 1,000/- for Class IV officials.
The deceased subscriber must have put in at least 5 years of service at the time of death.
The average GPF balance is be worked out on the basis of balance at the credit of the subscriber at the end of each of the 36 months preceding the month in which death occurs.
The balance in the GPF account of the subscriber should not fall below Rs. 4000/- in case of Class I government servants, Rs. 2500/- for class II, Rs. 1500/- for Class III and Rs. 1,000/- for Class IV officials.
The deceased subscriber must have put in at least 5 years of service at the time of death.
The average GPF balance is be worked out on the basis of balance at the credit of the subscriber at the end of each of the 36 months preceding the month in which death occurs.
Whether any government dues can be recovered from final GPF payment?
Money due on account of advance of pay and amount embezzled cannot be legally being deducted from the GPF balance.
No dues can be deducted from the GPF balance at the time of retirement from the un-disbursed amount of GPF either from the subscriber or the nominee of a deceased subscriber even if the consent of the subscriber or nominee has been obtained.
In cases where the subscriber or nominee is willing to repay the amount due to Government, the best course is to treat the repayment as second transaction. The whole of the GPF balance is to be first paid intact and without any compulsion. Thereafter the payee may be called upon to make good the Government dues.
No dues can be deducted from the GPF balance at the time of retirement from the un-disbursed amount of GPF either from the subscriber or the nominee of a deceased subscriber even if the consent of the subscriber or nominee has been obtained.
In cases where the subscriber or nominee is willing to repay the amount due to Government, the best course is to treat the repayment as second transaction. The whole of the GPF balance is to be first paid intact and without any compulsion. Thereafter the payee may be called upon to make good the Government dues.
Upto which period is interest on GPF balance calculated in the event of death/ retirement of a government servant?
Interest on GPF is allowed up to a maximum of 6 months from the date of death/retirement of a government servant or . Interest after this period is also payable provided the delay is on the part of the government in making payment of the GPF accumulation.
What are the documents required to be submitted by a gazetted government servant along with the Final Payment Application?
1. The Application should be made in Form-A.
2. Three copies of the government servant’s specimen signature duly attested by the Head of the Office/Department should be enclosed with the Application Form.
2. Three copies of the government servant’s specimen signature duly attested by the Head of the Office/Department should be enclosed with the Application Form.
In case a government servant dies in harness without leaving any nominees for his GPF accumulation, what are the documents required to be submitted along with the Final Payment Application (Form-C)?
• If claim for payment is by the widow/widower, no documents are required except proof that she/he is widow/widower of deceased subscriber.
• If claim for payment is by the mother on behalf of minor children of the deceased who is not a Hindu, the Guardianship Certificate issued by a Court should be enclosed.
• If claim for payment is by another relative of the deceased, a Succession Certificate issued by a Court should be enclosed and also the reasons for the claim being preferred as for example, the subscriber died as bachelor/ the spouse pre-deceased ( in such cases the death certificate of the deceased spouse should also be enclosed)/etc.
• The Death certificate of the deceased subscriber from the competent medical authority must be enclosed along with Form-C.
• If claim for payment is by the mother on behalf of minor children of the deceased who is not a Hindu, the Guardianship Certificate issued by a Court should be enclosed.
• If claim for payment is by another relative of the deceased, a Succession Certificate issued by a Court should be enclosed and also the reasons for the claim being preferred as for example, the subscriber died as bachelor/ the spouse pre-deceased ( in such cases the death certificate of the deceased spouse should also be enclosed)/etc.
• The Death certificate of the deceased subscriber from the competent medical authority must be enclosed along with Form-C.
How do I apply for final withdrawal of the balance standing at the credit of a GPF Account (on super-annuation/ ceasing to be a government servant/death of a government servant)?
You should fill up the prescribed forms and along with required documents get these forwarded through your Head of Office/Department to the MPF Section of AG’s office dealing with your case.
The prescribed forms are: (i) Form- A to be filled up by gazetted government servants; (ii) Form- B to be filled up by non-gazetted government servants; (iii) Form-C to be filled up in the case where a government servant dies in harness).
Any enquiries regarding the final payment of GPF (after the final payment application has been forwarded to this office) should be made by referring to the forwarding letter number and date under which the application was sent to the AG’s office by the Head of Office/Department. The enquiry should be addressed to MPF Section of the AG’s office.
The prescribed forms are: (i) Form- A to be filled up by gazetted government servants; (ii) Form- B to be filled up by non-gazetted government servants; (iii) Form-C to be filled up in the case where a government servant dies in harness).
Any enquiries regarding the final payment of GPF (after the final payment application has been forwarded to this office) should be made by referring to the forwarding letter number and date under which the application was sent to the AG’s office by the Head of Office/Department. The enquiry should be addressed to MPF Section of the AG’s office.
Whether the GPF balance GPF becomes payable when a subscriber
resigns from the service and joins a new service.
resigns from the service and joins a new service.
resigns from the service and joins a new service.
resigns from the service and joins a new service.
No, if a subscriber quits service to join another government office/department under the same State Government, he can
continue with the same GPF Account number.
If a subscriber resigns and joins another State Government or Central Government office/department, he/she should apply for transfer of his/her GPF balance to his/her new GPF account number giving full details of the new GPF account number, department/authority maintaining the account, full address, etc.
In case a subscriber quits government service altogether or to take up a job in the private sector, the balance at the credit of the subscriber’s of GPF Account becomes payable.
continue with the same GPF Account number.
If a subscriber resigns and joins another State Government or Central Government office/department, he/she should apply for transfer of his/her GPF balance to his/her new GPF account number giving full details of the new GPF account number, department/authority maintaining the account, full address, etc.
In case a subscriber quits government service altogether or to take up a job in the private sector, the balance at the credit of the subscriber’s of GPF Account becomes payable.
When does the amount in my GPF Account become payable?
The balance lying at the credit of the subscriber becomes payable after the government servant/subscriber ceases to be in government service (quitting service/dismissed or removed from service/proceeds on leave preparatory to retirement/is retired from service after being declared unfit by the competent Medical Authority).
When should I stop my monthly GPF subscription?
In case of retirement on superannuation, the GPF subscription should compulsorily be stopped 6 months preceding the date of retirement.
Whether my Temporary Withdrawal from my GPF can be converted to a Non-refundable Advance?
A Temporary Withdrawal from GPF can be converted into a Non-refundable Advance subject to the conditions laid down in Rules 16 and 17 of Meghalaya GPF Rules 1985.
Whether the amount I take out from my GPF Account balance requires to be refunded?
There are two types of advances that can be taken from GPF account, viz., (i) Temporary Withdrawal and (ii) Non-refundable Advance.
In case you take a Temporary Advance from your GPF balance, the Advance is recoverable in a minimum of 12 and maximum of 24 installments.
Non refundable advance is not required to be refunded.
In case you take a Temporary Advance from your GPF balance, the Advance is recoverable in a minimum of 12 and maximum of 24 installments.
Non refundable advance is not required to be refunded.
Is the amount shown in my Annual GPF Account Statement final?
No, the GPF balance, monthly credits and debits shown in your Annual GPF Statement are provisional figures. Any mistakes detected in your GPF Statement should immediately be taken up in writing with the AG’s office supported by evidence of the correct position.
I have not received my GPF annual statement. What should I do?
The AG’s office sends out the Annual GPF Statements to the DDOs by the first week of August each year for distribution among the subscribers in that office. A subscriber’s Annual GPF Statement is sent to the DDO from where the subscriber has drawn his/her salary for the month of February. In case you have been transferred during the year from one office to another, you should enquire about your GPF Statement from the DDO from where you drew your salary for the month of February. You can also through your Head of Office/Department send an application to the MPF section in AG’s office dealing with your case to send you a duplicate GPF Statement.
To whom should an application for advance/withdrawal from my GPF account be made?
Application for advance/withdrawal from GPF should be made to the competent sanctioning authority of your Office/Department.
Do’s and Don’t’s in the preparation of GPF Schedules by DDOs
Do’s
1. Amount of Subscription should be rounded to whole rupees.
2. The account numbers should be arranged in serial order.
3. The guide letters i.e. (GA, PH, MEDL, etc) should invariably be suffixed to the Account Numbers.
4. Reasons for discontinuance of subscriptions should be given (i.e. official “Proceeded on leave”, Transferred to” ________office-district, “Quit service, died or discontinued.”)
5. Against new names, it should be written that new name is a new subscriber or “New Subscriber” transferred from _________________Office-district.etc
6. The total of the schedule should be struck and written both in figure and words.
7. Month of recovery should be clearly indicated.
8. Schedules should be recorded on schedules, challans and debt vouchers.
9. Correct Classification should be recorded on schedules, challans and debt vouchers.
10. Subscriptions, refunds towards TAs should be separately indicated. Refunds should be supported by installments and the amount of loan outstanding.
11. Schedules and vouchers should be arranged in order as per the list.
12. Original authorisations should be enclosed to Debit Vouchers of Final Payment Cases.
13. The challans should contain the details of the amounts remitted thereon on overleaf instead of separate sheet enclosed to the challans.
14. 11 digit code should be recorded in schedules
15. Uniform format of schedule for all recoveries of GPF (viz. subscription, DA, etc.) should be adopted.
16. TA/PFW sanction orders should invariably attached to the debit vouchers.
17. Debit vouchers should be entered as per LOP
18. No debit voucher should be missing
19. There should not be any overwriting on the debit vouchers
20. payments on Booster scheme should be made along with GPF payments
21. Classification of Booster Scheme payments should be done correctly
22. Ensure that points indicated in the check list, to be kept in mind by DDOs while forwarding GPF final withdrawal applications, are compiled with.
23. Page-wise totals where necessary should be worked out
24. In case of challans, please mention the GPF account number and name of the subscriber in all copies.
Don’t’s:
1. There should be no overwritings.
2. Misclassification of the Credits/Debits of Class-IV employees should not be done.
1. Amount of Subscription should be rounded to whole rupees.
2. The account numbers should be arranged in serial order.
3. The guide letters i.e. (GA, PH, MEDL, etc) should invariably be suffixed to the Account Numbers.
4. Reasons for discontinuance of subscriptions should be given (i.e. official “Proceeded on leave”, Transferred to” ________office-district, “Quit service, died or discontinued.”)
5. Against new names, it should be written that new name is a new subscriber or “New Subscriber” transferred from _________________Office-district.etc
6. The total of the schedule should be struck and written both in figure and words.
7. Month of recovery should be clearly indicated.
8. Schedules should be recorded on schedules, challans and debt vouchers.
9. Correct Classification should be recorded on schedules, challans and debt vouchers.
10. Subscriptions, refunds towards TAs should be separately indicated. Refunds should be supported by installments and the amount of loan outstanding.
11. Schedules and vouchers should be arranged in order as per the list.
12. Original authorisations should be enclosed to Debit Vouchers of Final Payment Cases.
13. The challans should contain the details of the amounts remitted thereon on overleaf instead of separate sheet enclosed to the challans.
14. 11 digit code should be recorded in schedules
15. Uniform format of schedule for all recoveries of GPF (viz. subscription, DA, etc.) should be adopted.
16. TA/PFW sanction orders should invariably attached to the debit vouchers.
17. Debit vouchers should be entered as per LOP
18. No debit voucher should be missing
19. There should not be any overwriting on the debit vouchers
20. payments on Booster scheme should be made along with GPF payments
21. Classification of Booster Scheme payments should be done correctly
22. Ensure that points indicated in the check list, to be kept in mind by DDOs while forwarding GPF final withdrawal applications, are compiled with.
23. Page-wise totals where necessary should be worked out
24. In case of challans, please mention the GPF account number and name of the subscriber in all copies.
Don’t’s:
1. There should be no overwritings.
2. Misclassification of the Credits/Debits of Class-IV employees should not be done.
Can advance/ withdrawal be made from my GPF Account?
Yes, an advance/withdrawal not exceeding 3 months' pay or half of the amount standing at the credit of a subscriber whichever is less can be sanctioned from the GPF by the appropriate authority for meeting expenditures on the purposes specified in Rule 13 and 16 of the Meghalaya GPF Rules, 1985.
What is the annual rate of interest on GPF deposit?
With effect from the financial year 2013-14 the annual rate of interest is 8.7%.
What should be done if my name is incorrectly shown in my GPF Annual Statement?
An application through your Head of Office/Department should be made to the concerned MPF Section of the AG’s office requesting that your name be corrected. Evidence of the correct name such as a photocopy of your identity card should be sent along with your application.
What can I do to avoid missing credits/debits in my GPF Account?
In the AG’s office, the GPF subscription of every subscriber is tabulated from the GPF Schedules that are received in the AG’s office along with the Treasury/Divisional accounts every month. In the subscriber’s own interest, the subscriber should ensure that his DDO correctly fills in the GPF Account number, name of the subscriber, GPF subscription amount, month of subscription and month of account in the GPF Schedule.
Do’s for GPF subscribers:
Admission: On promotion from class IV, apply for GPF A/c No
Subscription: Subscription from 6% to a maximum of Basic Pay. Temporary Advance: In case of Temporary advance, ensure recovery from Pay.
Nomination: File Nomination, if not done, especially, before retirement.
Slips: Confirm the balance on receipt of annual slips.
Settlement: Help us to settle your balance early by submitting withdrawal applications in advance. Track the authorisations through our website.
Any remittances after retirement to GPF, please follow up with DDO.
Subscription: Subscription from 6% to a maximum of Basic Pay. Temporary Advance: In case of Temporary advance, ensure recovery from Pay.
Nomination: File Nomination, if not done, especially, before retirement.
Slips: Confirm the balance on receipt of annual slips.
Settlement: Help us to settle your balance early by submitting withdrawal applications in advance. Track the authorisations through our website.
Any remittances after retirement to GPF, please follow up with DDO.
What is to be done when missing credits are shown in a subscriber’s GPF Statement?
The evidence of the missing subscription(s) (i.e. statement showing treasury voucher number and date, salary month, subscription to GPF duly certified by the DDO/Treasury Officer) should be sent to the MPF section of Accountant General (A&E) Office dealing with your GPF account for adjustment of the missing credits on the basis of the evidence furnished.
What are the facilities available for grievance redressal of GPF related issues?
1. Grievance Redressal Cell : To facilitate enquiries regarding GPF in the Office premises, a Grievance redressal cell is constituted. The GRC representative assists the visitor in the following areas:
a. Providing information regarding balances, missing credits/ debits in respect of GPF Account of the visitor
b. Status of FW application
c. Posting of missing credits on furnishing certified particulars of remittance
d. Any correction to be incorporated in the database like name , DOB, DOJ etc., provided such information is supported by valid documents
e. Any other related matter
f. The representative can also be contacted on 9492233447 during working hours
2. Email facility: pagaeap.gpf@gmail.com
3. Fax : 040-23231937
4. SMS Facility: Particulars of subscription, withdrawals, on monthly basis are intimated. Also receipt and finalization of final withdrawal applications. GPF subscribers are requested to furnish their mobile numbers through the screen provided in the web site.
The following information is being sent through SMS alerts.
a. Status of GPF Final withdrawal cases – registration, return, finalization and dispatch
b. TA and PFW sanctions for GPFund
c. Provisional balances at the credit of the subscribers with updation of latest monthly subscription, refund, other credits and withdrawals
d. Missing credits and debits in the account of the subscribers
5. Online Grievance Redressal: Any person having grievance with any Entitlement function (GPF and Pension) discharged by the Accountants General can record his grievance online. Along with text of the grievance, relevant documents can also be uploaded. Acknowledgments would be provided both via SMS and e-mail, along with status updates via SMS. The status of the grievance redress can also be viewed online on this site.
a. Providing information regarding balances, missing credits/ debits in respect of GPF Account of the visitor
b. Status of FW application
c. Posting of missing credits on furnishing certified particulars of remittance
d. Any correction to be incorporated in the database like name , DOB, DOJ etc., provided such information is supported by valid documents
e. Any other related matter
f. The representative can also be contacted on 9492233447 during working hours
2. Email facility: pagaeap.gpf@gmail.com
3. Fax : 040-23231937
4. SMS Facility: Particulars of subscription, withdrawals, on monthly basis are intimated. Also receipt and finalization of final withdrawal applications. GPF subscribers are requested to furnish their mobile numbers through the screen provided in the web site.
The following information is being sent through SMS alerts.
a. Status of GPF Final withdrawal cases – registration, return, finalization and dispatch
b. TA and PFW sanctions for GPFund
c. Provisional balances at the credit of the subscribers with updation of latest monthly subscription, refund, other credits and withdrawals
d. Missing credits and debits in the account of the subscribers
5. Online Grievance Redressal: Any person having grievance with any Entitlement function (GPF and Pension) discharged by the Accountants General can record his grievance online. Along with text of the grievance, relevant documents can also be uploaded. Acknowledgments would be provided both via SMS and e-mail, along with status updates via SMS. The status of the grievance redress can also be viewed online on this site.
How is the monthly GPF subscription to be made when a subscriber proceeds on deputation or on foreign service?
While on deputation or foreign service, the GPF subscription can be made through Cheques or Drafts issued/drawn in favour of Accountant General (A&E) Meghalaya accompanied with the statement/schedules showing the GPF account number and month of subscription. The cheque /drafts should be sent to the concerned MPF Section of the AG’s office. As a measure of precaution, the subscriber should personally retain the particulars of the forwarding letter, cheque/bank draft number and amount. At the year end, when he/she receives his annual GPF Statement and should there be any missing credits indicated therein, these particulars can be furnished as proof for adjustment of the missing credits.
Can the rate of subscription be changed?
Yes. The GPF subscription can be reduced once and enhanced twice during the course of a financial year. The enhanced and reduced rate should be between the prescribed maximum and minimum limit.
Is it compulsory to subscribe to GPF even when a subscriber is on leave, suspension etc.?
A subscriber is required to subscribe monthly to GPF except during the period when he/she is under suspension. A subscriber on re-instatement after a period passed under suspension has the option however if he/she so chooses, of paying in one lump sum or installments, any sum not exceeding the maximum amount of arrear subscriptions payable for the period the subscriber was under suspension.
The subscriber may at his/her option not subscribe to GPF during leave which either does not carry any leave salary or carries leave salary equal to or less than half pay or half average pay.
The subscriber may at his/her option not subscribe to GPF during leave which either does not carry any leave salary or carries leave salary equal to or less than half pay or half average pay.
What happens when missing debits are not settled immediately?
The GPF account shows inflated balance due to missing debit and interest thereon. This amount will be recovered from the balance at the time of final settlement. Sometimes, the delayed recovery of missing debit and interest leads to minus balance in the GPF account which has to be recovered from pensioner benefits.
What is the definition of “emoluments”?
“Emoluments” means pay, leave salary or subsistence grant as defined in the Fundamental Rules and includes leave salary or subsistence grant, if admissible, and any remuneration of the nature of pay received in respect of Foreign Service of the subscriber on 31st March of the preceding year in the case of an existing GPF subscriber. In the case of a subscriber who was not in government service on 31st March of the preceding year, the emolument to which he was entitled on the day he joins GPF will be taken for fixing the rate of subscription. (Rule 2 (b) of Meghalaya Civil services(GPF) Rules, 1985).
How to adjust missing debits?
When a missing debit is note in the GPF statement, the subscriber has to approach the DDO and ensure the details of the drawal viz. Amount, Voucher No. , SA No., Treasury along with certificate of payment or a copy of the voucher to this office.The missing debit will be posted if the amount is unposted in the records of this office. In case of misclassification of the debit, the Treasury/PAO has to rectify the same.
GPF contribution - is there any minimum and maximum prescribed rate for GPF subscriptions?
The amount of monthly GPF subscription is the discretion of the subscriber. However, it cannot be less than 6 .25 percent of the emoluments and not more than his/her emoluments. (Rule 8 (b) of Meghalaya Civil services(GPF) Rules, 1985).
What are Missing Debits?
1. Sanction received without corresponding debit
2. Refund received without corresponding debit
2. Refund received without corresponding debit
When does a nomination become invalid?
If, at the time of making the nomination the subscriber has no family and he specifically states in the nomination that it shall become invalid in the event of his subsequently acquiring a family, the existing nomination becomes invalid when a subscriber acquires a family.
What is the procedure for adjustment of missing credits/ debits?
Missing credits arise due to misclassification in the treasuries or incorrect details in GPF schedules. At times, schedules/vouchers are not received from the Treasuries for various reasons and as a result some of the subscriptions/refunds/arrears/withdrawals do not get posted in the account. These missing credits/debits can be located and included in the subscriber’s account after proper verification of the accounts rendered to AG by the Drawing and Disbursing Officers/Treasuries subject to furnishing the following details duly certified by the Drawing and Disbursing Officers and the Treasury Officers.
1. Name of the Subscriber
2. GPF Account number
3. Name of the DDO under whom the official had served
4. Amount of subscription/refund/withdrawal
5. Salary month for which details are being furnished
6. Head of Account (up to Detailed Head) under which salary was drawn
7. Treasury/Sub Treasury where the salary was drawn
8. Treasury voucher number / challan number
9. Totals of the schedule amount enclosed in the particular voucher as noted on the abstract in case of credit
10. Date of payment of the voucher/remittance of the amount in the case of challan remittance
11. Total amount of the GPF payment vouchers in respect of debits
1. Name of the Subscriber
2. GPF Account number
3. Name of the DDO under whom the official had served
4. Amount of subscription/refund/withdrawal
5. Salary month for which details are being furnished
6. Head of Account (up to Detailed Head) under which salary was drawn
7. Treasury/Sub Treasury where the salary was drawn
8. Treasury voucher number / challan number
9. Totals of the schedule amount enclosed in the particular voucher as noted on the abstract in case of credit
10. Date of payment of the voucher/remittance of the amount in the case of challan remittance
11. Total amount of the GPF payment vouchers in respect of debits
I have retired from Service but not yet drawn my GPF balance. Can I change my nomination?
Yes, the nomination can be changed even after retirement of the subscriber but before he/she has drawn the amount at his/her credit in GPF.
Can a nomination once made be changed/cancelled subsequently?
Yes, if a subscriber through the Head of Office/Department writes to the AG’s office canceling a nomination made by him/her earlier, the nomination would forthwith be treated as cancelled.
A fresh nomination need not be compulsorily sent along with the notice of cancellation of the existing nomination. In case a fresh nomination is not sent along with the notice of cancellation, the payment of GPF amount would be made in the manner as prescribed in the Meghalaya General Provident Fund Rules, 1985.
The notice from the subscriber of cancellation of his/her existing nomination will be treated as valid even if it reaches the AG’s office after the death of the subscriber.
A fresh nomination need not be compulsorily sent along with the notice of cancellation of the existing nomination. In case a fresh nomination is not sent along with the notice of cancellation, the payment of GPF amount would be made in the manner as prescribed in the Meghalaya General Provident Fund Rules, 1985.
The notice from the subscriber of cancellation of his/her existing nomination will be treated as valid even if it reaches the AG’s office after the death of the subscriber.
When does a wife or husband cease to be a member of the family?
In case of male subscriber:
If a male subscriber proves that his wife has been judicially separated from him or has ceased under the customary law of the community, to which she belongs to be entitled to maintenance, she shall be deemed to be no longer a member of the subscriber’s family.
In case of female subscriber:
If the subscriber through her Head of Office/Department submits in writing to the AG’s office her desire to exclude her husband from her family, the husband shall be deemed to be no longer a member of the subscriber’s family.
If a male subscriber proves that his wife has been judicially separated from him or has ceased under the customary law of the community, to which she belongs to be entitled to maintenance, she shall be deemed to be no longer a member of the subscriber’s family.
In case of female subscriber:
If the subscriber through her Head of Office/Department submits in writing to the AG’s office her desire to exclude her husband from her family, the husband shall be deemed to be no longer a member of the subscriber’s family.
Where to get the GPF Slips?
The slips from the year 2009-10 are available in the website. www.agap.cag.gov.in/slipsgpf.aspx
When does a subscriber get the Annual Accounts Statement?
After the close of each financial year, the Accountant General sends to each subscriber an Annual Accounts Statement showing the opening balance as on the 1st April of the year, the total amount deposited and withdrawn during the year, amount of interest credited as on 31st March of the year and the closing balance on that date. Subscribers have to satisfy themselves as to the correctness of the Account Statements and errors should be brought to the notice of the Principal Accountant General within three months of receipt of the same.
Who can be nominees?
A GPF subscriber who has a family at the time of making the nomination shall make such nomination only in favour of a member or members of his family.
Family in the case of male subscriber means wife or wives and children (including legitimate and adopted where the adoption is recognized by the personal law governing the subscriber), the widow or widows and children of a deceased son of the subscriber.
Family in the case of female subscriber means the husband and children of a subscriber and the widow or widows and children of the deceased son of a subscriber.
If a subscriber nominates more than one person, he/she shall specify in the nomination the amount or share payable to each of the nominees in such manner as to cover the whole of the amount that may stand to his/her credit in the GPF.
Family in the case of male subscriber means wife or wives and children (including legitimate and adopted where the adoption is recognized by the personal law governing the subscriber), the widow or widows and children of a deceased son of the subscriber.
Family in the case of female subscriber means the husband and children of a subscriber and the widow or widows and children of the deceased son of a subscriber.
If a subscriber nominates more than one person, he/she shall specify in the nomination the amount or share payable to each of the nominees in such manner as to cover the whole of the amount that may stand to his/her credit in the GPF.
How to Apply for Closure?
The application in prescribed format duly filled in and signed by the subscriber/claimant(s) is to be given to the department for forwarding the same to the Accountant General along with requisite documents by the Head of Office/ Head of the department.
Nominations?
Every gazetted government servant shall at the time of first subscribing to GPF submit a nomination in the prescribed form through his Head of Office/Department to MPF Section of AG’s office conferring on one or more persons the right to receive the amount that may stand to his/her credit in his/her GPF account in the event of his/her death.
In case of non-gazetted government servants, the nomination forms are required to be maintained by the Head of the Office.
It should be noted that the nomination of a GPF subscriber is valid even if he/she dies before it reaches the AG’s office.
In case of non-gazetted government servants, the nomination forms are required to be maintained by the Head of the Office.
It should be noted that the nomination of a GPF subscriber is valid even if he/she dies before it reaches the AG’s office.
What is the procedure for gpf final withdrawal (closure)?
1. Final withdrawal of accumulation is permitted when subscriber quits the service (on retirement, dismissal, resignation, compulsory retirement, removal etc.)
2. In case of death of subscriber while in service.
2. In case of death of subscriber while in service.
What is to be done in a case a subscriber has been allotted with two different GPF Account numbers?
The subscriber should immediately take up this matter in writing addressing the Sr. Accounts Officer (MPF Group) of AG’s office giving details of both the GPF account numbers. The MPF Section will verify the facts and if found true, will close one of the GPF account numbers and the balance from this account transferred to the other account number, under intimation to the subscriber concerned.
What is the delegation of financial powers for sanctioning ta / pfw?
Sanctioning Authority should be two levels above the person to whom advances or part final withdrawals are sanctioned. Power to sanction GPF TA / PFW to Heads of Departments and their immediate deputies will be with the Government in the Administrative Department concerned.
Which Section of AG’s office deals with my GPF Account?
There are two Sections (MPF I and MPF-II) in the AG’s office which deal with GPF accounts of various department of Govt. of Meghalaya. One can see the departments which are being dealt in these sections by clicking on the hyper link.
What is the procedure of conversion of an advance to part final withdrawal?
A subscriber may, at his discretion by written request, convert the balance outstanding under a temporary advance into a part-final withdrawal after satisfying conditions laid down in Rules 15-A to 15-I.
How to enquire from the AG’s office about the status of application for allotment of a new GPF Account number?
Applicant can see the list of employees of Govt. of Meghalaya who has been allotted with new accounts numbers in this website which are being uploaded by the first week of every month for the previous month.
In case the applicant's name is not displayed in the list, he/she can enquire from the Office of the AG (A&E), Meghalaya in writing referring/quoting the letter number and date under which the application form for allotment of new GPF number was forwarded to the Accountant General’s office.
In case the applicant's name is not displayed in the list, he/she can enquire from the Office of the AG (A&E), Meghalaya in writing referring/quoting the letter number and date under which the application form for allotment of new GPF number was forwarded to the Accountant General’s office.
How to apply for a GPF Account number/ subscribe to GPF?
An application for a new GPF Account number in the prescribed form {circulated to all departments/heads of offices by Finance (AF) Department, Government of Meghalaya vide Circular No. FEM/54/94/96 dated 08/08/2006} duly filled in by the subscriber should be forwarded through the Head of Office or Head of the Department to Meghalaya Provident Fund (MPF) Section of the Office of the Accountant General (A&E), Meghalaya.
Who is eligible to subscribe to GPF?
As per Rule 4 of Meghalaya GPF Rules 1985, all Government Servants (probationer, temporary, permanent), other than those eligible for admission to the Contributory Provident Fund and to all new entrants whose services were/would be regularized against the regular posts on or after 1st April, 2010, are compulsorily required to subscribe to GPF.
What is the procedure of conversion of an advance to part final withdrawal?
A subscriber may, at his discretion by written request, convert the balance outstanding under a temporary advance into a part-final withdrawal after satisfying conditions laid down in Rules 15-A to 15-I.
What is the arrangement to know about authorization of GPF?
Intimation to the retired Government employee about the authorization of retirement benefits is sent directly to him. The disposal is also hosted in the website, which can be viewed by the retired Government officials/officers.
What will happen if my GPF authority is lost at any stage or at any level after despatch from O/o the Principal Accountant General (A&E), Odisha?
You may take up the matter with your Drawing and Disbursing Officer.
In what way the subscriber is responsible for any excess/short in the accounts maintained by the Principal Accountant General?
In the accounting creeping of errors cannot be ruled out. The subscriber has the duty under Rule 36(2) of Orissa General Provident Fund Rules to point out any excess/short credit found by him in the account slip within three months of receipt of the same. This will help to avoid discontentment at the time of Final Payment stage.
Is the balance shown in the GPF account slip and that of final payment authority same?
No, the balance shown in the GPF account slip is subject to adjustment of missing credits/debits and excess / less allowed in the accounts.
Up to which date the interest is allowed in final payment cases?
If the subscriber applies for final payment within the prescribed time limit, the interest is allowed till the month preceding the date of signing the authority by the Accounts officer of the Principal Accountant General(A&E) office, if it is signed before 15th of the month and if it is later, the interest is allowed till the last of the month.
Will Principal Accountant General sanction my Part-Final Withdrawal or Non Refundable Advance from the General Provident Fund Account?
No, except accounting and authorisation of final payment after retirement, other cases are dealt by the Drawing and Disbursing Officer.
What is to be done if I notice some missing credits in my GPF account?
You may represent your case through the Drawing & Disbursing Officer giving full information about the missing credit such as month of credit, name of the Treasury, TV number, and duplicate copy of the bill along with schedule to enable this office to locate and adjust your missing credit.
How is the calculation of interest carried out?
Interest is calculated from the succeeding month of recovery and is added to theGPF account at the end of Financial Year.
What is the rate of interest on GPF subscriptions?
The interest rate announced by the Government of India for calculation on GPF interest each year is adopted by the State Government. The present rate of interest is 7.1% from 04/2020 to 06/2020
How can I change my Mobile number, which is already registered for getting GPF e-statement?
You can change your mobile number in Profile section, after login in this office website. However, if both the password is forgotten and mobile number is to be changed, the subscriber has to approach the office of the Pr. Accountant General(A&E), Odisha through their DDO.
What is to be done if my on-line GPF account is blocked or I forget my password?
You may avail the forget password facility, which is available in this office website to get a new password in your registered mobile. If the account is blocked Principal Accountant General (A&E), Odisha may be approached through their DDO for unlocking the same.
What can I do if my date of birth is not available/wrong name in the GPF database of O/o the Principal Accountant General (A&E), Odisha?
In case of subscribers whose date of birth is not available and/or name is incorrect in the GPF database of AG Office, they will have to forward necessary documentary evidence like copy of 1st page of Service Book in support of the date of birth/name to Office of the Principal Accountant General (A&E) Odisha through their DDO.
How can I know the balance standing in my GPF account?
This office has launched GPF e-statement and push SMS service for all the subscribers of state Government of Odisha, starting with the annual statement for 1998-99, which can be accessed through this office website. The statements can be viewed/downloaded/printed after New Registration only. On New Registration, the subscriber has to mandatorily register his mobile number and provide GPF A/C No. in the format like (PWO67476) and date of birth in the format (dd/mm/yyyy) (e.g.02/06/1982). The system will provide mobile verification code in the registered mobile entered by the subscriber. Then the system will send One Time Password (OTP) to the registered mobile. After successful registration the subscriber has to enter his full GPF A/C No. as User ID and OTP as password, so that he can change his password to access the Annual Statement. Apart from this the subscribers can get their monthly updates via SMS as soon as their subscription or withdrawal is posted by this office. In case of any difficulty in online registration, the subscriber can get assistance from his DDO.
What is the process for intimation of Final Payment authorisation to GPF Subscriber?
Intimation about authorisation of Final Payment is sent to the GPF Subscriber through SMS and Post.
What will happen if my GPF authority is lost at any stage or at any level after despatched from O/o the Accountant General (A&E), Gujarat?
GPF Subscriber may take up the matter of Final Payment Authority with concerned Drawing and Disbursing Officer. On request from DDO and receipt of Non-Payment Certificate from the concerned Treasury Office, this office will issue duplicate final payment authority
In what way the subscriber is responsible for any excess/short in the accounts maintained by the Office of the Accountant General (A&E)?
For accounting, creeping of errors can not be ruled out. It is duty of the GPF subscriber under Gujarat General Provident Fund Rules to point out any excess/short credit found in the account statement within three months from the date of receipt.
Up to which date the interest is allowed in final payment cases?
If the subscriber applies for final payment within the prescribed time limit of three years and Final Payment Authority is signed before the 15th of the month, the interest is allowed till the month preceding the date of signing the authority by the Accounts Officer of the Accountant General (A&E) Office. If the Final Payment Authority is signed after 15th of the month, the interest is allowed till the last of the month.
Part-Final Withdrawal or Non Refundable Advance from the General Provident Fund Account can be sanctioned by Office of the Accountant General?
No, except accounting of GPF Credit/Debit and authorisation of final payment after retirement, Part-Final Withdrawal or Non Refundable Advance from the General Provident Fund Account can be sanctioned by the Drawing and Disbursing Officer.
What is to be done if I notice some missing credits in my GPF account?
GPF Subscriber can represent the case through the Drawing & Disbursing Officer giving full information about the missing credit such as month of credit, name of the Treasury, Treasury Voucher number, and duplicate copy of the bill along with schedule to enable this office to locate and adjust the missing credit.
How is the calculation of interest carried out?
Interest is calculated from the succeeding month of subscription and is added to the GPF Account at the end of Financial Year.
What is the rate of interest on GPF subscriptions?
For calculation of GPF interest, Government of Gujarat adopts the interest rate announced from time to time by the Government of India. The present rate of interest is 7.1 % from 04/2020 to 06/2020.
Can I change my Mobile number, which is already registered for getting GPF e-statement and SMS?
Yes, GPF Subscriber can change mobile number by forwarding application through DDO to O/o the Accountant General (A&E), Gujarat
What is the process for recovering of my password, if my account is blocked due to incorrect password?
Subscriber may avail the forgot password facility available on the website http://egpf.cag.gov.in/.
What can I do if my date of birth is not available/wrong name in the GPF database of O/o the Accountant General (A&E), Gujarat?
The GPF Subscriber can forward written application along with necessary documentary evidence like copy of first page of Service Book for validation of the date of birth/correct name to Office of the Accountant General (A&E) Gujarat through their DDO.
How can I know the status of balance in my GPF account?
This office has launched GPF e-statement and push SMS service for all the GPF Subscribers of Government of Gujarat. The GPF Annual Statement for 2004-05 onwards can be viewed/downloaded/printed on http://egpf.cag.gov.in for registered GPF Subscribers. GPF Subscriber can register on the portal by providing details of GPF Account Number, Birth Date and Mobile Number. Monthly updates for GPF Subscription or Withdrawal sent through SMS by this office. The status of GPF Account balance can be checked from the office website i.e. http://agguj.cag.gov.in/gpf_status_new.aspx.
How to change my Password/ PIN allotted by the Accountant General office?
After submitting the required information on the GPF information for employees page individual subscriber is logged on to the Years' specification page. On the top right corner of this page a tab Change your Password has been provided for the purpose.
Is the Annual GPF Statement available on the AG (HP) website?
Yes, the Annual GPF Statement for the two previous financial years along with the status/ detail for the current is available on the website.
If someone comes to know my password, can he/she draw any money out of my GPF account?
No. As soon as you come to know of this fact it would be in your interest to immediately change the password on both the systems i.e. Website and Inter-active voice response system (IVRS) to avoid future inconvenience in accessing your GPF information.
How much time is required by your office to reply?
Though the time required to completely resolve the grievances of the complainant depends on the nature of the complaint lodged, but we make all-out efforts to settle the complaint within one month from the date on which the complaint has been lodged.
May I put forward any suggestions to improve or make the website of your office more user friendly?
Yes, suggestions are always welcome
How can I submit my complaint/grievances to the Accountant General office and subsequently seek the reply to my complaint or query?
On the Home page a tab for the purpose has been provided to submit your complaint. On left-click of the mouse on the submit tab, a reference number is supplied by the system to your complaint. You can check the status/reply of your complaint by filling in this reference number under the Check your status tab. Mentioning, your personal e-mail address or telephone numbers in the complaint, will help us in the prompt disposal of your complaints/ grievances.
Why does system show the remark "INVALID DATA", although I entered correct Series Code. GPF A/c No. & Password?
Instead of pressing the Enter or Return key on the keyboard, left-click with the mouse on the submit tab provided below the Password/Employee PIN tab, will allow you to seek information on GPF status.
The AG(HP) office gave me a PIN (Secret Number/Password). It does not work/ allow me to access my GPF account.
The subscribers to the GPF. who have been allotted Password/ PIN by this office are advised not to disclose their PIN to anybody, since the facility to change the PIN may be misused by the other person to change the password, thereby making it impossible for the original subscriber to access his status of GPI} Moreover, if any subscriber changes his PIN on the 'Åebsite, she/he is advised to change the PIN on IV RS also. so that in case of his/her forgetting the password, this office may easily make the changed password available to them.
My GPF account shows details which are two months old. Why is it not up to date?
Prior to hosting GPF data (Subscription/refund/withdrawals etc.) on this office website, this office has to undertake various processes: receipt of schedules form various Treasuries, compiling of the vouchers/schedules, data entry and its monthly validation, extracting & transforming of data from this office server to seek compatibility with NIC server and exporting of data to the NIC server, where this data is ultimately hosted. These activities consume about three months time and hence the latest possible data is for the fourth previous month from the current month.
What is the procedure to be followed to rectify errors in name and date of birth ?
If any subscriber sees any mistake in his/her date of birth, and name etc. he/she can forward application to A.G. Office with certified copy of his/her High school certificate through DDO for correction in date of birth and name.
How to adjust missing credits ?
If any subscriber finds missing credits and any other discrepancy in his/her GPF account, he/she can forward application to Office of the Accountant General through DDO with certified copy of GPF passbook for correction/adjustment.
What is the system of recovery in case of overdrawal from GPF account ?
In case a subscriber is found to have drawn from the fund an amount in a excess of the amount standing to his credit on the date of the drawal, the overdrawn amount, irrespective of whether the overdrawal occurred in the course of an advance or a withdrawal on final payment from the fund, shall be repaid by him with interest 2 1/2% over and above the normal rate of Provident Fund. In case the subscriber is still in service, the amount shall ordinarily be repaid by him or recovered from him in one lump sum, but if the total amount to be recovered is more than half of the subscriber's emoluments, the recovery may be made in monthly installments as may be determined, taking into consideration the period left before the retirement of the subscriber. In case, a subscriber is no longer in service, the entire amount with interest shall be repaid by him or recovered from him in one lump sum. In all cases of the overdrawals where the overdrawn amount or a part thereof, with interest, cannot be recovered by other means, it shall be recovered as arrears of land revenue.
How much interest is payable on balances of GPF after superannuation?
Subscriber is required to submit, an application (Form 425-A) to the DDO in triplicate, one for payment of 90 percent of balance in the GPF Pass book and the other for the residual amount, within six months prior to the date of retirement in case of retirement on superannuation and within one month from the date on which the amount became payable in other cases.
Interest shall be payable end of the month preceding that in which the payment is authorized. Provided that where the application required for payment is submitted complete in all respects to the Head of Office or Department, whose duty is to forward the same to the Account Officer, after the expiry of six months from the date the amount claimed became payable, interest shall be payable only up to the end of the month preceding that in which the payment is authorised or up to the end of the twelfth month after the month in which such amount become payable, whichever is earlier. Where it is proved to the satisfaction of the Head of Office or Department concerned that the submission of the said application was delayed by circumstances beyond the control of the applicant the restriction of this provision shall not apply.
Interest shall be payable end of the month preceding that in which the payment is authorized. Provided that where the application required for payment is submitted complete in all respects to the Head of Office or Department, whose duty is to forward the same to the Account Officer, after the expiry of six months from the date the amount claimed became payable, interest shall be payable only up to the end of the month preceding that in which the payment is authorised or up to the end of the twelfth month after the month in which such amount become payable, whichever is earlier. Where it is proved to the satisfaction of the Head of Office or Department concerned that the submission of the said application was delayed by circumstances beyond the control of the applicant the restriction of this provision shall not apply.
How to rectify error in GPF Pass Book ?
The Pass Book is the primary document. If reconciled annually rectification matters should not arise (at all,) at the time of 10% final payment after retirement. Hence, all efforts for correct maintenance should be done by the subscriber and the DDO. The subscriber should point out any error or omission in the Pass Book to the concerned D.D.O. before sign the Pass Book for rectification.
How to get a copy of G.P.F. Pass Book?
The subscribers are entitled to get a copy of their Pass Book from their D.D.O. by depositing the prescribed fees.
How to ensure correct maintenance of G.P.F. Pass Book?
The Pass Book is maintained by the subscriber's D.D.O. In case of transfer, it will be forwarded to that office along with the subscriber's L.P.C.
1. Verify the Pass Book annually.
2. Ensure that all subscriptions, recovery of advance, temporary advances and withdrawal taken by the subscriber is correctly entered.
3. All columns of the Pass Book are correctly filled in and certified by the relevant D.D.O. of that posting (separately for debit and credit both) and closing is done properly.
4. There is no cutting, erasing, overwriting in the Pass Book and corrections are properly attested by D.D.O.
5. Only then the Pass Book may be signed in token of its annual verification.
1. Verify the Pass Book annually.
2. Ensure that all subscriptions, recovery of advance, temporary advances and withdrawal taken by the subscriber is correctly entered.
3. All columns of the Pass Book are correctly filled in and certified by the relevant D.D.O. of that posting (separately for debit and credit both) and closing is done properly.
4. There is no cutting, erasing, overwriting in the Pass Book and corrections are properly attested by D.D.O.
5. Only then the Pass Book may be signed in token of its annual verification.
How to ensure that recovery is made against correct account ?
Verify frequently that only the correct account number is given in the G.P.F. schedule prepared by the concerned D.D.O.
How to deposit subscription if posted in Foreign Service?
If posted in Uttarakhand, the amount should be deposited in State Bank of India through Treasury Challan with complete details like GPF Account No., Name of Subscriber, etc.
If posted outside Uttarakhand, the amount should be forwarded to Accounts Officer, office of Accountant General (A&E), Uttarakhand through a bank draft of the State Bank of India accompanied by complete details in schedule as well as in the back of the bank draft itself.
If posted outside Uttarakhand, the amount should be forwarded to Accounts Officer, office of Accountant General (A&E), Uttarakhand through a bank draft of the State Bank of India accompanied by complete details in schedule as well as in the back of the bank draft itself.
What is the amount of subscription?
The amount should not be less than 10 percent of the basic pay and not more than the amount of the basic pay.
WHAT IS THE DELEGATION OF FINANCIAL POWERS FOR SANCTIONING TA / PFW?
Sanctioning Authority should be two levels above the person to whom advances or part final withdrawals are sanctioned. Power to sanction GPF TA / PFW to Heads of Departments and their immediate deputies will be with the Government in the Administrative Department concerned.
WHAT IS THE PROCEDURE OF CONVERSION OF AN ADVANCE TO PART FINAL WITHDRAWAL?
A subscriber may, at his discretion by written request, convert the balance outstanding under a temporary advance into a part-final withdrawal after satisfying conditions laid down in Rules 15-A to 15-I.
How can I change my Mobile Number, which is already registered for getting SMS alert ?
You can change your Mobile Number by providing the new Mobile Number along with GPF Account No. (other than Group D) and Name either over telephone (033-2213-8189) or through mail (mail id : edpfnd-agae-wb@nic.in) or by post to Principal Accountant General (A & E), West Bengal, 8, Kiran Sankar Roy Road, G.I Press Building, Kolkata – 700001.
How can I register my Date of Birth, Mobile Number, Employee ID and e-mail ID ?
You can register your Date of Birth, Mobile Number, Employee ID, e-mail ID, etc. by providing those data along with GPF Account No. (other than Group D) and Name either over telephone (033-2213-8189) or through mail (mail id : edpfnd-agae-wb@nic.in) or by post to Principal Accountant General (A & E), West Bengal, 8, Kiran Sankar Roy Road, G.I Press Building, Kolkata – 700001.
How to use the e-GPF system?
To login into the system, Subscriber has to select Subscriber Login button first, then select GPF Series name and enter the GPF Account No., Date of Birth and Image Code and press submit button.
What is to be done if I notice some Missing Credits in my GPF Account ?
You may represent your case through Drawing and Disbursing Officer (DDO) giving full information about the missing credit such as month of credit, name of the Treasury, Treasury Voucher (TV) No. and date and duplicate copy of the bill along with schedule to enable the Accountant General Office to locate and adjust your missing credits.
Should a subscriber nominate only members of his family ?
Yes, if he/she has a family.
Can subscriber nominate more than one person ?
Yes, but he/she should specify the share payable to each nominee so as to cover the entire amount standing to his/her credit.
How should the arrears of subscription be deducted ?
The arrears should either be paid by the subscriber or recovered from the emoluments in installments as decided by the competent authority.
What are the occasions when subscription are not deducted ?
During suspension, during leave on half-pay, during period treated as dies-non, last three months of service before superannuation.
Can the subscriber alter his subscription ?
The subscription can be reduced (not below 6%) once a year and increased twice (not more than 100% of emoluments) for GPF a year.
What is the maximum amount of subscription ?
100% of emoluments drawn on the 31st March of the previous year.
What is the minimum amount of subscription ?
6% of emoluments drawn on the 31st March of the previous year.
Will Accountant General sanction my part-final withdrawal or non-refundable advance from the GPF Account ?
No, except accounting and authorization of final payment after retirement, other cases are dealt by the Drawing and Disbursing Officer (DDO) / Head of the Department.
How to apply for Final Withdrawal of GPF ?
In 10A Form for superannuation and VRS. In 10B Form for death case. The application in prescribed form duly filled in and signed by the subscriber / claimant(s) is to be given to the department for forwarding the same to the Accountant General along with the requisite documents / certificates by the Head of Office / Head of the department within two months from the date of superannuation / death.
Up to which date the interest is allowed in Final Payment Cases ?
Interest is allowed upto the end of the month excluding the month in which Accounts Officer signs the Final Payment Authority.
Why Department is being asked for details of Missing debit when my entire advance has been recovered ?
The GPF amount recovered from subscribers pay bill on account of refund of GPF advance has been subsequently credited to subscribers GPF account only. However, the Debit against the advance drawn was not accounted for in his / her ledger. Hence DDO is requested to furnish the details of Treasury, Month of Advance, Treasury Voucher Number and Treasury Voucher date to trace and correct subscriber's ledger to avoid complications in processing his/her Final payment case after retirement.
The entire Advance drawn by me has been recovered in monthly installments then why is my GPF account shows missing debit despite that ?
The GPF amount recovered from your pay bill on account of refund of GPF advance has been subsequently credited to your GPF account only. However, the Debit against the advance drawn was not accounted for in your ledger. You are requested to furnish the details of Treasury, Month of Advance, Treasury Voucher Number and Treasury Voucher date to trace and correct your ledger to avoid complications in processing your Final payment case after retirement.
My Name / Account number is shown wrongly in the GPF slip. How can I get this corrected ?
You may write a letter through your DDO to this office stating the correct GPF series , Account Number and details of discrepancy.
How GPF Final Amount paid to the dependents in the event of death of the GPF subscriber while in service ?
In the event of death of GPF subscriber, the nominee / dependant has to submit the application in Form C along with a copy of death certificate of the GPF subscriber to the DDO. This office will authorize the GPF balance within one month after receipt of duly completed application for Final withdrawal from your DDO.
When can I get my GPF Final Amount after my retirement ?
You have to fill in application for Final Payment in the prescribed form and submit it your DDO at least six month prior to your retirement. This office will authorize your GPF balance within one month after receipt of duly completed application for Final withdrawal from your DDO.
My balance is shown incorrect in the GPF slip. How can I get it corrected ?
You may write a letter through your DDO to this office stating the correct GPF series , Account Number and details of discrepancy.
How can I Download my GPF slip through system ?
You can download the GPF slip from our web-site https://agmaha.cag.gov.in/gpfnagv1.htm. Click on GPF Account details option. Enter details of GPF Series and Account Number. Enter captcha. Press Validate button and submit. You can download or print the GPF Slip when displayed on your screen.
My DOB is wrongly recorded in my GPF Account Slip, how can I get it corrected ?
You may get it corrected with your DDO in the Sevarth portal of IFMS website. AG Office will correct the Date of Birth on receipt of data log from Director of Accounts & Treasury Office automatically.
Why are there Missing credits in my GPF Account though Subscription, is regularly deducted from Pay Bills ?
This may be due to wrong GPF Account no. quoted in the GPF Schedules by your DDO. It may also be due to your transfer to another DDO / Accounting circle. Get this corrected by contacting your Administrative Officer in your DDO Office.
I have not received my GPF slip. How can I get a duplicate slip ?
This office usually sends GPF Slips to all the DDOs in Maharashtra by last week of July every year. You may contact your Administrative Officer in your DDO Office to get the GPF slip. You can also download the GPF slip from our web-site after registering with us.
How GPF account number can be allotted?
The application should reach the O/o the Accountant General (A&E), Uttarakhand through the applicant's D.D.O., in the prescribed proforma well before the applicant completes one year of service.
How to use on-line services ?
GPF on-line Service:
Step 1 : Go to on-line GPF Menu
Step 2 : Select GPF Series (example: IRRIUA for Irrigation)
Step 3 : Enter your GPF number (example: 41634)
Step 4 : Enter Personal Identification Number
(This PIN has already been sent to all DDOs. You can also get
your PIN by entering your Date of birth in the format dd-mmm-yy e.g. 01-Jun-60)
Step 5 : Enter the MD 5 encryption
Step 6. Click Generate OTP
Step 7. Enter your OTP number and Press login
2. Register for SMS Service:
Subscribers have to send a verified letter from their DDOs to this office for registering their mobile number.
3. GPF Pull Short Message Service:
Step 1 : To know Current Status:
Type GPFUKCURRENTGPF Series and
Number (Without any space)
Example: GPFUK CURRENT IRRIU41634
Step 2 : To know Debit Status:
Type GPFUKDEBITGPF Series and
Number (Without any space)
Example: GPFUK DEBIT IRRIU41634
Step 3 : To know Missing Status:
Type GPFUKMISSINGGPF Series and
Number (Without any space)
Example: GPFUK MISSING IRRIU41634
Send your SMS to 07738299899
4. KNOW YOUR PIN NO.
Go to our official Website i.e. www.agua.cag.gov.in
Click on GPF Online at our Website’s Home page
Subscriber login window will appear on the screen. Click on Know Your PIN No.
Now, Know Your PIN No. window will appear on the screen where you will get three drop down fields namely: -
a) GPF Series
b) GPF Number
c) Date of Birth in the format dd-mmm-yy e.g. 01-Jun-60.
5. Fill up the correct information in the above three fields then submit. You would definitely get the requisite information regarding your PIN No. otherwise, incorrect information would give INVALID ENTRY.
5. CHANGE YOUR GPF PIN NO
After login in your GPF Account Enter Change Pin
Step 1. Enter Current Pin.
Step 2 Enter New Pin.
Step 3. Enter Retype Pin.
Step 4. Click Change.
Step 1 : Go to on-line GPF Menu
Step 2 : Select GPF Series (example: IRRIUA for Irrigation)
Step 3 : Enter your GPF number (example: 41634)
Step 4 : Enter Personal Identification Number
(This PIN has already been sent to all DDOs. You can also get
your PIN by entering your Date of birth in the format dd-mmm-yy e.g. 01-Jun-60)
Step 5 : Enter the MD 5 encryption
Step 6. Click Generate OTP
Step 7. Enter your OTP number and Press login
2. Register for SMS Service:
Subscribers have to send a verified letter from their DDOs to this office for registering their mobile number.
3. GPF Pull Short Message Service:
Step 1 : To know Current Status:
Type GPFUK
Number (Without any space)
Example: GPFUK CURRENT IRRIU41634
Step 2 : To know Debit Status:
Type GPFUK
Number (Without any space)
Example: GPFUK DEBIT IRRIU41634
Step 3 : To know Missing Status:
Type GPFUK
Number (Without any space)
Example: GPFUK MISSING IRRIU41634
Send your SMS to 07738299899
4. KNOW YOUR PIN NO.
Go to our official Website i.e. www.agua.cag.gov.in
Click on GPF Online at our Website’s Home page
Subscriber login window will appear on the screen. Click on Know Your PIN No.
Now, Know Your PIN No. window will appear on the screen where you will get three drop down fields namely: -
a) GPF Series
b) GPF Number
c) Date of Birth in the format dd-mmm-yy e.g. 01-Jun-60.
5. Fill up the correct information in the above three fields then submit. You would definitely get the requisite information regarding your PIN No. otherwise, incorrect information would give INVALID ENTRY.
5. CHANGE YOUR GPF PIN NO
After login in your GPF Account Enter Change Pin
Step 1. Enter Current Pin.
Step 2 Enter New Pin.
Step 3. Enter Retype Pin.
Step 4. Click Change.
Can any amount other than subscriptions and refund be credited to the GPF?
Unless specifically provided for by the Government no amounts like Leave Salary Encashment, Pay Arrears etc., can be credited to the GPF.
What are the Heads of Account under which GPF transactions are accounted?
KGPF AISPF HIGH COURT JUDGES
8009- STATE PF 8009- STATE PF 8658 – SUSPENSE
01 – CIVIL 01 – CIVIL 101 – PAO SUSPENSE
101-GENERAL PROVIDENT FUND 101-GENERAL PROVIDENT FUND DEPARTMENT OF LEGAL AFFAIRS NEW DELHI.
8009- STATE PF 8009- STATE PF 8658 – SUSPENSE
01 – CIVIL 01 – CIVIL 101 – PAO SUSPENSE
101-GENERAL PROVIDENT FUND 101-GENERAL PROVIDENT FUND DEPARTMENT OF LEGAL AFFAIRS NEW DELHI.
What are the certificates to be furnished by the Heads of departments?
The Head of Department has to give the details of all the Temporary Advances drawn and Withdrawals made from the Fund during last 12 months immediately preceding the date of retirement / death /resignation / discharge / dismissal .
The Last Fund Deduction details have also to be furnished.
The Last Fund Deduction details have also to be furnished.
What is the procedure for final withdrawal of accumulation in the Fund?
The subscriber has to apply on Form 6 (A)/ 6 (B) to the authority competent to sanction final withdrawal (in the event of death of a subscriber, the claimants need to apply on form 6(C)) who in turn will forward the claims to A G’s Office for authorization of payment.
In the case of a Non –Gazetted officer a copy of the letter of authority for payment will be sent to head of the concerned office that will draw the amount from the treasury and disburse it to the concerned person.
In the case of Gazetted Officers, the original letter of authority will be issued to them for drawing the amount from the treasury.
In the case of a Non –Gazetted officer a copy of the letter of authority for payment will be sent to head of the concerned office that will draw the amount from the treasury and disburse it to the concerned person.
In the case of Gazetted Officers, the original letter of authority will be issued to them for drawing the amount from the treasury.
When does GPF amount will become payable?
The GPF amount to the credit of a subscriber becomes finally payable on following occasions: -
a. Retirement on superannuating
b. Death while in service (payable to legal nominees).
c. Dismissal, removal, compulsory retirement or invalidation from service. Provided that a subscriber who has been dismissed or removed from service and is subsequently reinstated in service shall, if required to do so by the Government, repay the amount paid to him with interest thereon at the rate provided in Rule.14.
d.Resignation. Provided that in the event of resignation to take up appointment under another Department of a Government or a body corporate owned or controlled by Government, the balance in the Fund will be transferred if he joins the new post without break and with proper permission of the Government.
e.Voluntary Retirement.
f. When the subscriber is transferred, without any break in service to serve under a body corporate or owned by the Government, the amount of subscriptions together with interest thereon, shall be transferred to his new P.F. Account under that body.
a. Retirement on superannuating
b. Death while in service (payable to legal nominees).
c. Dismissal, removal, compulsory retirement or invalidation from service. Provided that a subscriber who has been dismissed or removed from service and is subsequently reinstated in service shall, if required to do so by the Government, repay the amount paid to him with interest thereon at the rate provided in Rule.14.
d.Resignation. Provided that in the event of resignation to take up appointment under another Department of a Government or a body corporate owned or controlled by Government, the balance in the Fund will be transferred if he joins the new post without break and with proper permission of the Government.
e.Voluntary Retirement.
f. When the subscriber is transferred, without any break in service to serve under a body corporate or owned by the Government, the amount of subscriptions together with interest thereon, shall be transferred to his new P.F. Account under that body.
Can an advance be converted into Partial Final Withdrawal?
Yes, Rules 26, 27 and 27-A of the KGPF Rules provide for conversion of the Temporary GPF Advances drawn into PFW.
What are the purposes for which PFW is allowed?
PFW is permissible for the following purposes: -
a. For building, acquisition, reconstruction, or redemption of own house
b. For purchase of house sites
c. For meeting the cost of higher education
d. For meeting expenditure on marriage purpose
e. For making deposits for booking a Car/Motor Cycle/Scooter/Moped etc.
Note: -Up to 90% of the balance at credit can be drawn as PFW without assigning any reasons, in case it is applied for within twelve months before retirement on superanuation.
Only one withdrawal is permitted for the same purpose
a. For building, acquisition, reconstruction, or redemption of own house
b. For purchase of house sites
c. For meeting the cost of higher education
d. For meeting expenditure on marriage purpose
e. For making deposits for booking a Car/Motor Cycle/Scooter/Moped etc.
Note: -Up to 90% of the balance at credit can be drawn as PFW without assigning any reasons, in case it is applied for within twelve months before retirement on superanuation.
Only one withdrawal is permitted for the same purpose
When and how can a Part Final Withdrawal (PFW) be allowed?
The competent authorities may sanction PFW any time after the subscriber completes twenty years of service or within ten years before retirement, whichever is earlier. An authorization from the Accountant General is necessary for drawing the amount.
How is an advance recovered?
An advance shall be recovered from the subscriber in such number of equal monthly instalments as the sanctioning authority may direct but such number shall not be less than twelve unless the subscriber so elects, or in any case more than forty (Rule 16(1) of KGPF Rules).
There shall be no recovery of any advance during last three months of service of subscribers.
There shall be no recovery of any advance during last three months of service of subscribers.
What are the purposes for which advance from General Provident Fund can be sanctioned?
Advances can be sanctioned to meet the expenditure in connection with: -
a. Medical treatment of the subscriber or his dependant.
b. Obligatory expenses, which by customary usage, the subscriber has to incur in connection with marriages, funerals, First Annual Shraddha ceremonies or other ceremonies of persons actually dependent on the subscriber.
c. Higher education of the subscriber or any person dependent on him provided that the course of study is not less than three years.
d. Legal expenses subject to the conditions specified in Rule.15 A of KGPF Rules.
a. Medical treatment of the subscriber or his dependant.
b. Obligatory expenses, which by customary usage, the subscriber has to incur in connection with marriages, funerals, First Annual Shraddha ceremonies or other ceremonies of persons actually dependent on the subscriber.
c. Higher education of the subscriber or any person dependent on him provided that the course of study is not less than three years.
d. Legal expenses subject to the conditions specified in Rule.15 A of KGPF Rules.
Can a subscriber nominate any person other than a family member ?
At the time of making the nomination, if the subscriber has a family, the nomination cannot be made in favour of any person other than a family member.
If at the time of making the nomination, the subscriber has no family he can make the nomination in favour of a non-family member. Subsequently, if the subscriber acquires a family nomination made in favour of the non family member shall become invalid.
If at the time of making the nomination, the subscriber has no family he can make the nomination in favour of a non-family member. Subsequently, if the subscriber acquires a family nomination made in favour of the non family member shall become invalid.
What is the procedure for filing nominations for new subscribers to General Provident Fund i.e subscribers who have been admitted after the introduction of Compulsory PF?
All GPF nominations of new subscribers should be pasted in the Service Registers (SRs) along with the nomination of Family Pension, DCRG etc., and retained with the respective Departmental officers. (FD 48 Mubani 2001 dated 27.8.2003)
While finalizing death cases of new Subscribers the departmental officers have to forward the respective nominations along with Form 6 ( c).
While finalizing death cases of new Subscribers the departmental officers have to forward the respective nominations along with Form 6 ( c).
Is nomination made by Christian and Mohammedan subscribers in favor of an adopted child acceptable?
No, because such adoption is not recognized under Christian/ Mohammedan Law.
Can a subscriber nominate more than one person?
Yes, but the subscriber should specify the share payable to each nominee in such a manner as to cover the whole of the amount that may stand to his credit in the Fund (Rule 8.2)
Why should a subscriber make a nomination?
By making a nomination in the form set forth in the First Schedule to the KGPF Rules the subscriber can confer on one or more persons the right to receive the amount that may stand to his credit in the Fund in the event of his/her death before the that amount has become payable or having become payable has not been paid (Rule 8.1). The subscriber can cancel a nomination any time by sending a notice in writing to the Accountant General provided that along with such notice a fresh nomination made in accordance with the provisions of relevant rules is also sent.(Rule 8.4)
When can a subscriber stop subscription to the Fund?
Subscriptions to the Fund shall be stopped six months prior to the date of retirement of the subscribers. (Rule 11.5(i)
In the case of Voluntary Retirement, no interest would be admissible, for the period of notice, even if recoveries are made during this notice period. (Letter No. FD 31 APF 83 dated 7.2.85)
Subscription shall be stopped during suspension, and at his option during half pay leave / leave without pay and dies-non (Rule 10(1))
In the case of Voluntary Retirement, no interest would be admissible, for the period of notice, even if recoveries are made during this notice period. (Letter No. FD 31 APF 83 dated 7.2.85)
Subscription shall be stopped during suspension, and at his option during half pay leave / leave without pay and dies-non (Rule 10(1))
How should arrears of subscription be recovered?
If a Government servant fails to subscribe with effect from the date on which he/she is required to join the Fund under Rule 5., the total amount due to the Fund on account of arrears of subscription shall be repaid by him with interest thereon in one lumpsum at the rate of two and half percent over and above the normal rate applicable at the relevant period. If the total amount to be recovered is more than half of the subscriber’s emoluments, recoveries shall be made in monthly instalments of moieties of his emoluments till the entire amount together with interest is recovered.
How is subscription to GP Fund recovered?
a. When emoluments are drawn from a government Treasury, recovery of subscriptions and advances shall be made from the emoluments themselves.
b. When emoluments are drawn from any other source, the subscriber shall remit his dues monthly to the Treasury.
c. In the case of a subscriber on deputation to a body corporate owned or controlled by Government, the subscription shall be recovered and forwarded to the Accounts Officer (i.e., A.G. Karnataka) by such body. (Rule 13 (1) to (3)
b. When emoluments are drawn from any other source, the subscriber shall remit his dues monthly to the Treasury.
c. In the case of a subscriber on deputation to a body corporate owned or controlled by Government, the subscription shall be recovered and forwarded to the Accounts Officer (i.e., A.G. Karnataka) by such body. (Rule 13 (1) to (3)
How many GPF Accounts can a subscription have?
Unlike insurance policies, a government servant can have only one G.P.Fund Account.
Can the subscriber alter the rate of subscription?
Yes. The rate can be increased or decreased once at any time during the course of the year and the amount of subscription so fixed shall remain unchanged during the year provided that the revised subscription conforms to the minimum and maximum limits. (Rule 11.4)
What is the maximum limit of subscription?
A subscriber may at his option, propose subscription higher than the minimum subject to maximum of basic pay of the post held by him.
What is the minimum amount of subscription?
As per the provisions under Rule12 of KGPF Rules,2016-
The minimum rate of monthly subscription payable by a subscriber shall be fixed at the rate of 4 percent of the mean of the Time Scale of Pay of the post held by the subscriber.
Note: ‘Average pay’ means the amount equal to the mean between the minimum and maximum of Time Scale of Pay of the post held by the subscriber.
The minimum rate of monthly subscription payable by a subscriber shall be fixed at the rate of 4 percent of the mean of the Time Scale of Pay of the post held by the subscriber.
Note: ‘Average pay’ means the amount equal to the mean between the minimum and maximum of Time Scale of Pay of the post held by the subscriber.
Who is eligible to join the Fund?
a. Subscription to the Fund is compulsory for Government servants except Group “D” employees in pensionable service,
b. Every temporary Government servant from the date of completing two years of continuous service.
(Rules 5 (1) to (4) w.e.f June 2002).
b. Every temporary Government servant from the date of completing two years of continuous service.
(Rules 5 (1) to (4) w.e.f June 2002).
Is an adopted child a member of the family?
Yes, if under the personal law of the subscriber, adoption is legally recognized as conferring the status of a natural child. (Note (1) under Rule 9)
What constitutes ‘Family’ for the purpose of GPF rules?
The GPF subscription of an employee of the Government of Karnataka is governed by Karnataka General Provident Fund Rules, 2016 2(e)
In the case of a male or female subscriber, the Wife or Wives or Husband, Parents, Children, Minor Brothers, Unmarried Sisters, deceased Son’s Widow and Children and where no parents of the Subscriber is alive, a paternal grandparent .
In the case of a male or female subscriber, the Wife or Wives or Husband, Parents, Children, Minor Brothers, Unmarried Sisters, deceased Son’s Widow and Children and where no parents of the Subscriber is alive, a paternal grandparent .