JHARGRAM RAJ COLLEGE
Estd.: 1949
A affiliated College under Vidyasagar University
Recognized by UGC under 2f and 12 B

Govt. Of West Bengal
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General Provident Fund

The Scheme for Provident Fund has originated with a view to keep Provision for the Employees in case of future need. The Provident Fund of State Government Employees are led by the Provisions of the General provident Fund (West Bengal Service) Rules. According to the Government Order No. 162-F dated 18.01.1971, subscription to the provident Fund was made compulsory in respect of all categories of State Government Employees with effect from 1st May, 1970. Different Sections of the General provident Fund (W.B. Services), Rules have been amended in different times. So far as savings is concerned, this Scheme has boundless importance in the life of the Employees. Therefore, for the sake of correct maintenance of accounts of Provident Fund, we have special responsibility and everyone concerned should be aware of the rules, regulations and procedure of the maintenance of the fund. In view of the above, some important Rules, procedures for the maintenance of the Fund are produced below in brief for the benefit of all concerned. 

  • After completion of one year continuous service by an Employee, joining in this Scheme is compulsory. In case of Group “D” employees, Head of Office allots G.P.F. A/C Number. But in case of Group “A”, “B” & “C” employees, Accountant General (A & E), West Bengal allots G.P.F. Account number.
  • For obtaining G.P.F. Account number application for this purpose in the prescribed format should be sent to the Office of the Accountant General (A & E), West Bengal a few weeks before the completion of one year service.
  • A subscriber shall, at the time of joining the Fund, send to the Accounts Officer, a nomination in prescribed form (First Schedule, Rule 8(3)) conferring 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 death before that amount has become payable, or having become payable has not been paid.  Provided that if, at the time of making the nomination, the subscriber has a family, the nomination shall not be in favour of any person or persons other than the members of his family. Definition of family: In case of a male subscriber, the wife or wives and children of a subscriber, and the widow, or widows, and children of a deceased son of the subscriber. In the case of a female subscriber, the husband and children of a subscriber, and the widow or widows and children of a deceased son of a subscriber.
  • Subscription may be any sum, so expressed by the subscriber, not less than 6 percent of his emoluments and not more than his total emoluments.
  • Amount of subscription should be fixed in a year (From the Salary Bill of March) and it should be based on the emoluments entitled to the subscriber on 31st March.
  • As per Rule 15 & 15A of G.P.F. Rules refundable and non-refundable advance may be sanctioned subject to satisfaction of sanctioning Authority. Refundable Advance: 3 months pay or 50% of the balance at credit to G.P.F. whichever is less.  Refundable Advance (Special reasons): 75% of balance at credit to G.P.F. Non-refundable Advance:  75% of balance at credit to G.P.F.
  • In case of retirement a subscriber has to apply for final payment of General Provident Fund Money through Form No. 10-A Prescribed by the Government. In case of death of a subscriber, beneficiary (beneficiaries) i.e. [Member(s) of family/dependant(s)/nominee(s)] has to apply for final payment of G.P.F. money in Form No. 10-B.
  • It is better to apply for final payment of G.P.F. money within two months from the date of retirement /death of the subscriber to avoid any loss of interest on the accumulated money due to delayed submission of claim application.

For More Details Please Click here. Please view GPF Account Opening Form, GPF Nomination Form.


The West Bengal State Government Employees Group Insurance-Cum-Savings Scheme, 1987

Group Insurance Scheme is a recent creation in Government employment for the benefit of the whole –time regular employees. According to this Scheme of Group Insurance some amount is to be contributed by the employee from his monthly salary which will be realised as a premium. The amount of contribution is according to the salary and class of service of the employee. Similarly the sum insured is also according to the salary and class or group of service of the employee concerned. The provision regarding life risk provided in this scheme is no doubt similar to the General Life Insurance. But there is some distinguishing features in this scheme. The amount of deduction from salary by way of premium is comparatively small in relation to the amount assured as payable on death while in service. The scheme shall be on wholly contributory and self-financing basis.  The Scheme is effected from 01.11.1987. The Scheme shall provide twin benefits of larger insurance cover to the members of the family of a State Government Employee who may unfortunately die while in service and larger lump sum benefit to the employees or to the members of their families to augment their resources on cessation of employment under the Government due to death, retirement, resignation or for any other reason. The following procedure is prescribed for accounting of transactions under West Bengal State Government Group Insurance-Cum-Savings Scheme, 1987 introduced in Finance Department, Audit Branch’s Memo. No. 825-F dated 31.01.1987.

  • Date of anniversary of the Scheme is 1st November in each year.
  • The rate of subscription and the amount of insurance cover Group-wise will be as indicated below:  (Group will be determined on the basis of Pay Level)

Group

Subscription

Insurance Fund

Savings Fund

‘A’

Rs. 80/-

Rs. 24/-

Rs. 56/-

‘B’

Rs. 40/-

Rs. 12/-

Rs. 28/-

‘C’

Rs.20/-

Rs. 6/-

Rs. 14/-

‘D’

Rs. 10/-

Rs. 3/-

Rs. 7/-

 

 

  • If any employee joins in the Government Service in the month of November full subscription according to his group is to be recovered from his salary of November. But if he joins after November, Insurance Fund only according to Group is to be recovered. From next November Insurance Fund and Savings Fund are to be recovered.
  • In case of death of the employee, while in service, following amounts shall be payable to the nominee(s)/ legal heirs of the deceased employee subscribing to the scheme:
  • The amount of appropriate Insurance cover under the scheme to which the employee was entitled at the time of his death plus
  • The amount of entitlement of the employee out of the ‘Savings Fund’ for the entire period of his membership under the scheme in the same or different groups, as the case may be from the date of joining the Group(s) up to the date of death with interest as per table issued by the Finance Department.
  • The amount payable to the employee subscribing to the scheme on account of cessation of employment due to retirement, resignation or for any other reason shall be as below:                
  • The amount of entitlement of the employee out of the scheme of 1987, ‘Savings Fund’ for the entire period of his membership in the same or different Groups, as the case may be, from the date of joining such Group/Groups up to the date of cessation of employment with interest as per table issued by the Finance Department.
  • If the employee has a family he shall make such nomination only in favour of a member or members of his family.
  • Family means: (i) Wife in case of a male Officer. (ii) Husband in case of a female Officer. (iii) Sons including Step-sons. (iv)Unmarried and widowed daughters (including Step-daughters). (v) Brothers below the age of 18 years and unmarried or widowed sisters. (vi)Father. (vii)Mother.

For More Details Please Click here. Please view GISS 1987 Nomination Form.


Death Gratuity

  • The maximum amount of Death/Retiring Gratuity of Rs. 6.0 lakh (Rupees six lakh) only as laid down in Memo. No. 201-F (Pen), dated 25.02.2009 shall be raised to Rs. 12.0 lakh (Rupees twelve lakhs) only.

The rates for payment of Death Gratuity shall be revised as under:

Length of Qualifying Service

Rate of Death Gratuity

Less than 1 (one) year

2 times of last drawn monthly emoluments

1 (one) year or more but less 5(five) years

6 times of last drawn monthly emoluments

5 (five) years or more but less than 11 (eleven) years

12 times of last drawn monthly emoluments

11 (eleven) years or more but less than 20 (twenty) years

20 times of last drawn monthly emoluments

20 (twenty) years or more

Half of the last drawn monthly emoluments for every completed six monthly period of qualifying service subject to a maximum of 33 times of last drawn monthly emoluments

 

  • Death Gratuity is admissible, if Govt. employee dies while in service.
  • Formula  regarding calculation of Retiring Gratuity :

(Last basic pay + D.A.) x Qualifying Service x  2  

                                    4                                              = Retiring  Gratuity

 

Maximum limit 16 ½ times of last pay but in no case exceed Rs. 12 lakh. Maximum qualifying service reckoned 33 years.

 

  • If the employee has a family he shall make such nomination only in favour of a member or members of his family. 
  • Family means (For Death Gratuity): (i) Wife in cases of male Officer. (ii) Husband in the cases of a female Officer. (iii) Sons including Step-sons. (iv) Adopted son/ daughter. (v) Unmarried and widowed daughters (including Step-daughters). (vi) Brothers below the age of 18 years and unmarried or widowed sisters. (vii) Father. (viii) Mother.

For More Details Please Click here. Please view Death Gratuity Nomination Form.


Leave

Types of Leave

Admissibility

Period of Leave

Pay

Earned Leave

Private affairs and medical ground.

30 days per year, maximum credit 300 days.

Full Pay

Half pay Leave

Private affairs and medical ground.

20 days for every year.

Half Pay

Commuted Leave

a)Medical ground, not exceeding half the amount of half pay leave due.

b)Study purpose in the interest of public service up to a maximum of 90 days.

Twice the amount of half pay leave is debited.

Full Pay

Study Leave

Higher study in the interest of the public service.

12 months at any one time and 24 months during service period.

Outside India, Full Pay + DA, within India Pay is admissible if Scholarship/Stipend/Part time salary is not drawn.

Quarantine Leave

Specified infectious disease certified by medical officer.

Normally 21 days, in exceptional cases 30 days.

Full Pay

Maternity Leave

Only Female Govt. Employee. Also admissible for abortion, miscarriage

Maximum 180 days, 6 weeks for miscarriage and abortion.

Full Pay

Paternity Leave cum Child care Leave

Only Male Govt. Employee for taking care of upto two children upto 18 years of their age. 

30 days

Full Pay

Child care Leave

Only Female Govt. Employee for taking care of upto two children upto 18 years of their age. 

Maximum 730 days during entire period of service.

Full Pay

Casual Leave

Private affairs and medical ground. 

14 days in each Calendar year.

Full Pay

 

  • For vacation department: Earned Leave Credit from (1) Summer vacation- Maximum 15 days (2) Puja vacation –Maximum 15 days i.e. 30 days per year, maximum credit 300 days.

West Bengal Health Scheme

In addition to the West Bengal Services (Medical Attendance) Rules 1964, with a view to providing better medical facilities to the employees of Government of West Bengal, West Bengal Health Scheme-2008 has been introduced vide memo number 7287-E, dated 19-09-2008 issued by Finance Department, Government of West Bengal subject to forgoing Medical Allowance from salary drawn. Government extended this facilities to the superannuated and family pensioner of Government of West Bengal vide number 3475-F, dated 11.05.2009 with effect 01.06.2009 subject to forgoing Medical Relief from pension drawn.In the year 2009 and 2010, in addition to All India Services (Medical Attendance) Rules 1954, Government of West Bengal extended the facilities of WBHS, subject to the forgoing to CGHS, to the employees of Indian Administrative Services (IAS) and Indian Forest Services (IFS) Indian Police Services (IPS) and deputed the affairs of West Bengal vide order number 2926-PAR (IAS)/1M-14/2009, dated; 30.10.2009, 9615-For, dated; 24.11.2009 and 68-P.S. Cell/HR/O/1M-14/, dated 11.01.2010. Again in the year 2011, Government extended the benefits of WBHS to the retired AIS officers who served in the state of affairs of West Bengal subject to the forgoing to CGHS and one time contribution of amounting ₹ 40,000.00(Fourty Thousand) vide number 921-F (MED), dated 16.09.2011.In WBHS-08, a beneficiary can get reimbursement of the cost of all indoor treatment in empanelled hospitals within the state of West Bengal and the cost of OPD treatment for 15 (Fifteen) diseases as specified as per clause of this scheme. Besides these, treatment can also be availed in 9 (Nine) enlisted hospitals outside West Bengal. Claim of only indoor treatment in non-empanelled hospitals within the state is also reimbursable subject to the compliance of guidelines.

In the year 2014, Government notified to change the name of scheme as “West Bengal Health for All Employees and Pensioners Cashless Medical Treatment Scheme 2014” in place of West Bengal Health Scheme and introduced Cashless Medical Facilities upto ₹ 1,00,000.00 (Rupees one lac) per indoor treatment.

 

                                        


 

 

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