Contents:

Contact of Office
Bearers
Facilities and Perquisites
during transfer.
Tips for Handing Over
and Taking Over charge.

CANARA BANK
OFFICERS ASSOCIATION

UPDATED ON
30.04.2025
 CENTRAL TOP OFFICE BEARERS
Position Name Circle Mobile No EMAIL
Chairman Jacob P Chittattukalam Trivandrum 8281297137 jacobcanara@[Link]
President Rajiv Nigam Jaipur 9829097818 [Link]@[Link]
General Secretary Ravi Kumar K Hubbali 7760799907 [Link]@[Link]

HEAD OFFICE LIAISONS

MANJUNATH B 8904516199 SHRIKANTH KULAKARNI 9901254711

CIRCLE LIAISON OFFICERS

NO NAME CIRCLE PHONE NO EMAIL ID
1 ANKIT SAHGAL AGRA 8410672095 sahgal.ankit00@[Link]
2 RICHHARIYA B K AHMEDABAD 9427314560 richhariyabk@[Link]
3 SWAMY BANGALORE 8105185202 msswamy162@[Link]
4 KRISHNAKANT TRIPATHY BHOPAL 9713011344 kktripathi2009@[Link]
5 S N TRIPATHY BHUBANESWAR 8763668760 sntripathy1971@[Link]
6 YUGESH KUMAR CHANDIGARH 9501016719 ykkachla@[Link]
7 PRABHU D CHENNAI 9790075396 prabhubanc12@[Link]
8 SHIV SHANKAR KUMAR SINGH DELHI 9650503525 shibshankar73222@[Link]
9 RUPAM BHAGAWATI GUWAHATI 8486561642 bhagawati.rupam74@[Link]
10 UDAYKUMAR Y MAHALE HUBBALLI 9449624446 udayamahale@[Link]
11 B LINGA REDDY HYDERABAD 9440473460 cboalingareddy@[Link]
12 AMIT SHARMA JAIPUR 9414752802 amitin11@[Link]
13 SANDEEP BATRA KARNAL 9050600137 sandeepbatra69@[Link]
14 UJJAL NARAYAN SAHA KOLKATA 8420423788 ujjalsaha74@[Link]
15 GILJITH M KOZHIKODE 8089500495 mgiljithm@[Link]
16 DHANANJAY SINGH LUCKNOW 9450439510 [Link]@[Link]
17 SUNDARARAJAN P MADURAI 9600102892 [Link]@[Link]
18 S RAMESH NAIK MANGALORE 9448626656 rameshnaik1970@[Link]
19 SACHIN SHETTY MANIPAL 9108242331 [Link]@[Link]
20 VINNY MARTIS MEDONICA MUMBAI 9892339305 vinnymartis0@[Link]
21 KISLAYA PATNA 9471849870 kislaya61@[Link]
22 SACHIN D WAIKAR PUNE 9421206696 sachinwaikar73@[Link]
23 SHAILESH KUMAR TRIPATHI RANCHI 9430285469 shail140272@[Link]
24 RAGHAVAN TIRUPATHI 8099987333 annadanam_raghavan@[Link]
24 MANOHARAN P TRIVANDRUM 9447953241 kanna.mano1@[Link]
24 JEEVANSATYA PRAKASH VIJAYAWADA 9502069966 matlakunta@[Link]

CANPALS’ TRANSFER GUIDE

A Publication from Canara Bank Officers’ Association
Compiled by:
Giljith M, Deputy General Secretary Arun Kumar, Editor Friend & Guide
FACILITIES & PERQUISITES
TRAVELLING 1. Officers on transfer will be eligible to travel to the place of posting by the
ALLOWANCE ON same mode of travel and class of accommodation as in the case of travel on
TRANSFER duty (as mentioned below).
2. The dependent family members are also eligible to travel by the same mode
and class of accommodation. When the members of the family of the Officers
travel separately by road i.e., not along with the officer, the entitlement will
be the actual fare for the distance covered or I Class train fare by the shortest
route whichever is less.
3. In case the Officer is permitted to travel by air by the Competent Authority
due to administrative exigencies, such permission shall be restricted to the
Officer only and cannot be extended to the family members.
ELIGIBILITY AND Scale 1 • AC 1st class by any train including Premium Trains like Rajdhani/
MODE OF TRAVEL Shatabdi/ Tejas/ Vande Bharat/ Amrit Bharat, etc. (except luxury
trains) He/she may, however, travel by air (economy class) if so
AS PER CBOSR 1979 permitted by the Competent Authority, having regard to the
exigencies of business or public interest.
HO CIR 01/2004, Scale 2 & 3 • AC 1st Class by any train including Premium Trains as mentioned
170/2005, 196/2024 above. He/she may, however, travel by air (economy class) if the
distance to be travelled is more than 500 kms. He/she may,
however, travel by air (economy class) even for a shorter distance
if so, permitted by the Competent Authority, having regard to the
exigencies of business or public interest.

TRANSPORT Consolidated list of approved transport operators for shifting is available in HO Cir
OPERATORS 325/2025
TRAVEL BY TAXI For Scales 1, 2 and 3, taxi is not an eligible mode of transport. However, subject to
prior permission may travel by taxi. In such cases, the reimbursement will be
considered as follows:

a. Actual expenses incurred (or)

b. Notional fare by Train as per eligibility (or)
c. Taxi fare (as advised by the Bank from time to time) by shortest route
whichever is less.
Normally, taxi operators charge for to and fro journey even though the vehicle is
engaged for only one way travel. In such cases, reimbursement shall be restricted to
fare applicable to one way fare only. Further waiting charges / driver's bata / night
halting charges, etc. shall not be reimbursable. Stamped voucher / receipt containing
the following details should be obtained from the travel agency / taxi owner / driver.

However, in the absence of prior permission from the Competent Authority, for the
journey undertaken by taxi / own vehicle / private vehicle, road mileage of Re.0.50
per km by shortest route shall be reimbursed.
TRAVEL BY BUS In case of journey by bus, actual bus fare or first class fare by train by shortest route,
whichever is less shall be reimbursable. In such cases, the tickets should be produced
along with the TA Bill. However, if tickets are not submitted for any reason the
reimbursement of fare shall be restricted to Rs.0.50 per KM for the road mileage by
the shortest route on submission of declaration by the Officer.

In the case of travel by bus, reasonable service charges supported by bills / vouchers
are reimbursable for booking the bus tickets.
TRAVEL BY OWN Use of own vehicle if permitted beyond local limits by the Competent Authority, the
VEHICLE reimbursement shall be at the rate mentioned below:
a. First Class / II AC Sleeper by Train by shortest route (or)
(HO CIR. 348/2011) b. Actual expenses incurred (or)
c. Rate stipulated by the Bank from time to time for different category of
vehicles.

The rate fixed by the Bank at present for different types of vehicles are as follows:
1. Four Wheeler of 1000 cc or more engine capacity Rs.9.00 per KM
2. Four Wheeler of less than 1000 cc engine capacity Rs.7.00 per KM
3. Motor Cycle & Scooter Rs.4.50 per KM
4. Mopeds Rs.3.00 per KM
TRAVEL BY WATER Whenever the Officers undertake journey by water transport, the actual fare by
TRANSPORT deluxe class shall be reimbursed subject to production of supporting tickets /
vouchers.
SHIFTING OF FAMILY In the normal course, the Officer should shift his family and belongings to the
AND transferee place immediately on relief from the transferor branch / office.
BELONGINGS:
However, for the reasons such as non-availability of quarters for immediate
occupation at the transferee place etc. the Officer employee can shift family and
belongings at a later date, within the time limit specified below. In such cases, the
Officer shall be eligible for travelling allowance / journey period, by eligible mode
twice i.e. once in connection with reporting and second time while shifting the family
and belongings. The Officer employee in such cases has to shift his family and
belongings within 60 days from the date of relief from the transferor branch / office
or within 30 days from the date of occupying the quarters at the transferee place,
whichever is earlier.
The facility of travelling twice, in connection with the transfer, shall not be extended
for transfers from the State to Home State and the Officer owns a house / quarters is
readily available for occupation at the place of posting.

No TA for to and fro journey for the second time will be paid in case the Officer does
not shift the family and shift only personal effects / belongings.
SHIFTING OF FAMILY SHIFTING OF FAMILY FROM TRANSFEROR PLACE TO NATIVE PLACE /THIRD PLACE:
TO / FROM OTHER The Officer with the permission of the Competent Authority may shift his family to
PLACES Native Place / Third Place. The reimbursement of expenses in such cases shall be the
least of the following by eligible mode and class of travel by shortest route, as
provided under CBOSR 1979.
i. Transferor place to Transferee Place.
ii. Transferor place to Third Place / Native Place.
iii. Actual expenses incurred.

In case the family members travel by road, the reimbursement of TA as abovewill

further be restricted to the actual fare incurred for the distance covered or First Class
train fare by shortest route from transferor place to native place / third place.

SHIFTING OF FAMILY FROM THIRD PLACE / NATIVE PLACE TO THE TRANSFEREE

PLACE:
The family members of an Officer left at a place i.e. other than place of work, before
the issuance of transfer orders, may travel from the place other than place of work
(third place) to the transferee place subject to prior permission from the Competent
Authority.

For the purpose of reimbursement of TA in such cases, the least of the following, by
eligible mode and class of travel, by shortest route, as provided for under CBOSR,
1979 shall be considered:
i. Transferor place to transferee place.
ii. The place of stay to the transferee place.
iii. Actual expenses incurred.

In case the family members travel by road, the reimbursement of TA as above will
further be restricted to the actual fare incurred for the distance covered or first class
train fare by shortest route from the place of stay to the transferee place.

• An Officer on transfer shall not be eligible for TA for self at the time of shifting
family members to third place / native place or initially to third place / native
place and thereafter to transferee place.
• The Officer employee, in case has shifted the family to a third place / native
place by obtaining prior permission from the Competent Authority, can claim
reimbursement of TA expenses for family members for subsequent transfers
as per his eligibility under CBOSR 1979, subject to the following:
o Fare by eligible mode and class by shortest route from transferor place
to transferee place. (or)
o Fare by eligible mode and class from native place / third place to
transferee place by shortest route. (or)
o Actual expenses incurred, whichever is less.
SHIFTING OF TO NATIVE PLACE / THIRD PLACE OTHER THAN TRANSFEREE PLACE
PERSONAL An Officer with prior permission from the Competent Authority may shift his personal
BELONGINGS belongings or a part there of from transferor place to Native Place / Third Place. If
permitted the Officer shall be entitled for reimbursement of actual freight charges for
shifting the personal belongings as permissible under CBOSR 1979 (refer clause No.5)
subject to the following:

• The expenses are within the overall entitlement as eligible for transportation
from transferor place to the transferee place.
• The belongings are shifted from the place where family is shifted and not from
any other place.
FROM NATIVE PLACE / THIRD PLACE TO TRANSFEREE PLACE:
In case the Officer employee has shifted personal belongings or part of personal
belongings to a third place / native place with permission, can claim the expenses for
shifting the same to the transferee place for subsequent transfer, subject to the prior
permission from the Competent Authority. If permitted, the expenses shall be
reimbursed subject to the following:
• The expenses are within the overall entitlement as eligible for transportation
of personal belongings from transferor place to transferee place.
• Actual expenses for transportation of personal belongings from native place /
third place whichever is less subject to eligibility for transportation of personal
belongings as per CBOSR 1979.

SHIFTING FAMILY & i.e. subsequent to relief of the Officers, the Officer has to obtain prior permission of
BELONGINGS AT A the Competent Authority. Otherwise, expenses incurred in connection with shifting of
LATER DATE family and personal belongings shall not be permitted.

SHIFTING OF FAMILY An Officer intending to shift family and / or belongings to the transferee place, prior
AND BELONGINGS to relief from the transferor place, but after issuance of transfer orders for personal
PRIOR TO THE RELIEF convenience, may do so with the prior permission of the Competent Authority.
OF THEOFFICER: However, if any modifications / cancellations of the transfer orders is effected due to
administrative exigencies, the Officer shall not be eligible for any expenses
subsequently incurred for further shifting of family and / or belongings to the
modified place of posting. Further, in case of administrative exigencies, the Bank
cancels the transfer orders, the Officer shall not be eligible for TA freight charges for
shifting family and / or belongings back to the place of posting.

If the family / belongings are shifted before relief, the Officer shall not be provided
with quarters at transferee place till the actual reporting of the Officer and he will
have to make own arrangements for storing the personal belongings and stay of the
family members.

Request for shifting the family and / or personal belongings prior to issuance of the
transfer orders shall not be considered.
REIMBURSEMENT OF An Officer on transfer, is eligible for reimbursement of expenses incurred for shifting
EXPENSES FOR personal belongings to the transferee place as provided in the CBOSR 1979, as
SHIFTING furnished below:
BELONGINGS. PLACES CONNECTED BY RAIL:
If the transferor and transferee places are connected by rail, the baggage may be
transported by goods train and the reimbursement shall be:
Basic pay With family Without family
Upto 64820 3000 Kgs 1500 Kgs
Above 64820 Full Wagon – 12000 Kgs 2500 Kgs

• An Officer eligible for full wagon, in JMG Scale - I, MMG Scale - II & III, avails of
the facility of 'Container Service' by railways, will be reimbursed actual charges
for one container.
• Reimbursement towards handling charges / local transportation charges in the
case of transportation by Container Service will be made considering it as part
of freight charges only, provided such amounts have been specified by the
concerned authorities in the bills issued by them towards the charges for
'container service' availed by them.
• The baggage if transported by passenger / express / mail train the
reimbursement will be restricted to actual freight charges incurred or cost of
freight by goods train in broad gauge, for permissible quantity, whichever is
less.

PERSONAL BELONGINGS TRANSPORTED BY ROAD THOUGH THE PLACES ARE

CONNECTED BY RAIL
The baggage / personal belongings, if transported by road between places connected
by rail, the reimbursement will be limited to the actual freight charges subject to the
cost not exceeding the cost of transport of the maximum permissible quantity by
Train as given above.

For the purpose of reimbursement of actual charges, the maximum permissible

quantity shall normally be 60 quintals by goods train where the Officer is eligible for
reimbursement of full wagon transportation expenses. However, keeping in view the
difficulties faced by the Officers, in such cases the maximum limit for reimbursement
of expenses shall be upto 120 quintals at goods train rate, provided belongings are
transported through an approved transport operator. The reimbursement shall be
upto 60 quintals at goods train in case the goods are transported through
Unapproved Transport Operators.

PLACES NOT CONNECTED BY RAIL

Between the places not connected by rail, the baggage may be transported through
an approved transport operator and the reimbursement will be as follows:
Basic pay With family Without family
Upto 64820 3000 Kgs 1500 Kgs
Above 64820 Full Wagon – 12000 Kgs 2500 Kgs
In case the goods are transported through Approved Transport Operator and weight
is not mentioned in the lorry receipt, the entitlement shall be calculated subject to
120 quintals of goods train rate for the maximum permissible weight.

The baggage if transported by an unapproved transport operator, the reimbursement

of expenses shall be restricted to the rate by goods train for the permissible weight.

PLACES PARTLY CONNECTED BY RAIL:

For places partly connected by rail, the reimbursement of expenses for transporting
the baggage shall be arrived as total of below:
1. For the distance connected by rail, reimbursement of expenses in terms of
details mentioned above
2. For the distance not connected by rail, reimbursements of expenses in terms
details mentioned above
PERMITTED FOR DOUBLE QUARTERS:
Officer, permitted for double quarters / retention of family at third place consequent
to transfer / not accompanied by dependent family members, shall be eligible for
reimbursement of expenses for transportation of personal belongings as applicable to
one without family.

TRANSPORTATION OF PERSONAL BELONGINGS IN PARTS

Prior permission from the Competent Authority is to be obtained for transportation of
personal belongings in parts / to other place / native place etc. However, for
transporting the personal effects to any place other than the transferee place, the
Officer shall not be eligible for journey period, TA, HA, etc. n case of shifting the
personal belongings in parts, the Officer should indicate in the TA bill, in connection
with TA for self at the time of reporting, that a portion of the personal effects shall be
shifted at a later date, duly enclosing a copy of permission obtained from Competent
Authority to this effect.

The Officer on transfer, do not transport the entire baggage / personal effects to the
transferee place but prefers either to leave a portion of the baggage at the place of
transfer or transport it to some other place convenient to the Officer, the actual
expenses incurred for transporting such personal effects will be reimbursed subject to
the Officer's entitlement calculated for transporting the entire personal effects from
the place of transfer to the transferee place

For shifting a part or all belongings to a different locality within the same city / town,
reimbursement of such shifting will be made subject to limits specified in clause for
local transfers, provided such expenses are within the overall entitlement for
transporting personal belongings from the place of transfer to transferee place.

Reimbursement of expenses for re-transportation of personal belongings, initially to

third place and thereafter to transferee place at a later date is not permissible.
 Where both husband and wife are employees of the Bank and are transferred, both
can claim reimbursement of transportation expenses of personal belongings subject
to the limits of individual employees, provided evidence for having transported the
personal belongings by two separate consignments are submitted. However, on the
single consignment of personal belongings, both cannot claim freight charges as it
amounts to double claim.

In case the spouse of an Officer is an employee of any other Bank / Organisation /

Institution etc. and eligible for transfer benefits such as reimbursement of TA / freight
charges, etc., the Officer should declare that there is no claim or no claim will be
made by the spouse on the same baggage from the other Bank / Organisation /
Institution etc.

Clearing agent's charges incurred for transhipment of goods at intermediary stations

from one common carrier to another common carrier for onward transhipment to the
transferee place will be considered within the overall entitlement for reimbursement
of freight charges.
APPROVED The transport operator whose name finds a place in the list maintained & circulated
TRANSPORT by Risk Management Wing, HO from time to time for the purpose of discounting bills.
OPERATOR
In case an Officer shifts belongings through transport operator, whose name does not
finds a place in the Bank's approved list, the claim for reimbursement of freight shall
be considered only to the extent applicable to the unapproved transport operator,
even though name of such transport operator finds a place in the approved list of IBA.

The Officer has to ensure that the Lorry Receipts issued by the approved transport
operators or their authorised agents, contain IBA Code No. besides the address and
Telephone / Telex No. of the issuing branch office / authorised agent. In case the
approved transport operator does not have the practice of mentioning the address
and telephone / telex number in the Lorry Receipt issued by him, the concerned
Officer may obtain a certificate / letter from the approved transport operator
confirming that the Lorry Receipt has been issued by him and submit the same along
with the TA bill.

Eligible Weight
When the luggage is transported through unapproved transport operator
Basic pay With family Without family
Upto 64820 3000 Kgs 1500 Kgs
Above 64820 6000 Kgs 2500 Kgs

When the luggage is transported through Approved transport operator

Basic pay With family Without family
Upto 64820 3000 Kgs 1500 Kgs
Above 64820 12000 Kgs 2500 Kgs
 Rate of Reimbursement
1. Officer on transfer from one place to other
Distance in KMs Rate in Rs per Ton per KM
Upto 1000 KMs Rs.5.90
Beyond 1000 KMs Rs.4.25
2. Minimum threshold limit of Distance
Officers transferred to shorter distance upto 300 Kms, reimbursement may be
permitted upto amount chargeable for 300 Kms (i.e 300 x weight x 5.90)
3. Officers who are transferred into and out of hilly terrains may be reimbursed
two times the applicable rate for the distance covered in hilly terrain and the
balance distance at normal rates.

TRANSPORTATION SHIFTING BY TRAIN:

OF OWN CARS / In case, the Officer owns a car /scooter / motor cycle, he will be eligible for
TWO WHEELERS reimbursement of cost of transporting the vehicle by train to the transferee place at
the goods train rate, on production of money receipts. The reimbursement expenses
in this regard will be over and above the freight charges entitled for shifting the
personal belongings.

SHIFTING BY LORRY:
In case, the scooter / motor cycle or any other vehicle (other than four wheeler) is
transported by lorry, the actual lorry charges shall be paid on production of relevant
receipt / voucher. The reimbursement so permitted will be over and above the
reimbursement entitled for shifting the personal belongings.

However, for shifting own car by lorry, the expenses shall be reimbursed if it is within
the overall entitlement for shifting personal belongings.

DRIVEN BY ROAD:
In case the car / two wheeler is driven by road, reimbursement shall be at the rate
fixed by the Board from time to time. The reimbursement so eligible will be over and
above the entitlement for reimbursement for shifting the personal belongings.

The current rate if reimbursement is as follows:

Type of Vehicle Rate per km in Rs
Moped 3.00
Scooter / Motor cycle 4.50
Four Wheeler (engine capacity 1000 cc & more) 9.00
Four Wheeler Engine capacity less than 1000 cc 7.00

An Officer shall not be eligible for reimbursement expenses for shifting personal
vehicle from third place to transferee place or from transferor place to third place, as
there is no provision for the same.
PORTERAGE Whenever an Officer on transfer undertakes travel by a mode other than air and incur
an expenditure towards, porterage, reimbursement of actual expenses shall be
considered subject to a maximum of Rs.200/- on declaration basis.
OTHER EXPENSES PACKING ALLOWANCE ON DECLARATION
Probationers Rs.2000.00
Scale 1, 2, 3 ( 0 to 1 Promotees ) Rs.40000.00
Scale 4 and above Rs.50000.00

Shifting charges / Packing expenses of on declaration basis towards packing /

loading / unloading / local transportation / transit insurance etc in connection with
transfer

Where, both husband and wife are Officer employees and transferred, the eligibility
for other expenses shall be considered separately if the Bank has reimbursed
expenses towards shifting of personal belongings for both the Officer employees
individually, having satisfied that the personal belongings are transported in separate
consignments.

In other case, the eligibility for reimbursement of other expenses shall be considered
only to the Officer who has been reimbursed the freight charges towards shifting the
personal belongings.
OCTROI Reimbursement of Octroi expenses shall be made subject to a maximum of Rs.1500/-
or actuals incurred, whichever is less, on production of original receipts issued by the
authorities concerned.
REIMBURSEMENT OF If as a result of transfer at the instance of the Bank within the same city / town, an
EXPENSES ON Officer is required to shift the belongings, the actual expenses incurred will be
TRANSFER WITHIN reimbursed on the basis of the declaration given by the Officer (Scale 1, 2, 3) subject
THE SAME to the following limits:
CITY / TOWN
Rs.800.00 Major A Class Cities
Rs.1000.00 Transfers to Delhi from Ghaziabad, Noida, Faridabad, Gurgaon &
vice versa
Rs.600.00 Other places

The reimbursement of expenses for shifting personal effects / belongings may also
considered if the shifting is made at the instance of the Bank / with prior permission
from the Competent Authority.
• Shifting from one quarters to another on personal lease, after expiry of 3
yearslease period.
• Shifting from quarters occupied on personal lease to the Bank's quarters
andvice versa.
• Shifting from one quarters to other owned by the Bank or Bank's quarters
/quarters on personal lease to own residence.
The reimbursement of expenses for the above purpose shall be for meeting the
expenses incurred for shifting of Bank's furniture as well as personal belongings and
 has to be claimed from the Premises Section of Circle Office / Head Office.

If the transfer is effected at the request of the Officer, reimbursement of expenses for
shifting belongings locally shall not be permissible.
ELIGIBILITY FOR • Whenever a transfer is effected at the specific request of an Officer, he shall
TRAVELING not be entitled for reimbursement of traveling expenses such as travel /
ALLOWANCE transport of personal effects and Halting Allowance etc.
BENEFITS FOR • In the entire service of an Officer employee, requests for transfer with TA and
TRANSFER other benefits will be acceded to only upto a maximum of 3 occasions. The
ON REQUEST: transfers effected under Clause No. (a) & (b) below shall be excluded for the
purpose of computing three occasions.
• The transfers effected under the following cases will be treated as a transfer in
routine course and TA / HA benefits as eligible for normal transfer will be paid
to Officers
a. Who has put in 3 years & more active service outside the home state
and after completion of the term, requests for a transfer back to home
state and where such requests are acceded.
b. Working in Northern Eastern Region, on completion of a tenure of 2
years of service in that region, requesting for a transfer to a place of his
choice, out of three places indicated by them and where such transfers
are considered to.
c. However, in respect of Officers working in branches coming under
North Eastern region under option scheme on promotion, 3 years of
active service shall be treated as a term.
• An Officer working outside the home state, requests for a transfer to home
state, before completion of 3 years active service, and if such requests are
acceded to, the Competent Authority, at his absolute discretion, depending
upon the merits of the case, may consider TA and other benefits on such
transfers. Such, transfers are permitted by the Competent Authority waiving
the active service norms on special footings and hence the same cannot be
treated as one among the 3 occasions for the entitlement of TA / HA benefits
on request transfers by the Officers.
• Further, the transfers waiving the active service norms, without TA / HA
benefits, whenever permitted by the General Manager, Personnel Wing, Head
Office, such benefits cannot be extended by any other authorities.
HALTING • Halting Allowance will be paid for the actual journey period as applicable to
ALLOWANCE FOR the place of transfer at the time of reporting.
JOURNEY PERIOD
Metro A Class Area 1 Others
Scale 1,2,3 Rs.2925.00 Rs.2475.00 Rs.2150.00 Rs.1800.00
Scale 4, 5 Rs.3375.00 Rs.2925.00 Rs.2475.00 Rs.2150.00
Scale 6, 7 Rs.4050.00 Rs.2925.00 Rs.2475.00 Rs.2150.00

• No halting allowance is payable for the journey undertaken for shifting the
family at a later date.
HANDING OVER AND A new portal under SAS package has been developed in order to automate the
TAKING OVER process and to facilitate systematized submission of Handing Over and Taking Over
CHARGE Charge report of the Branch at the time of regular transfer, deputation/training
period of absence up to one month, deputation for more than one month.
HO CIR 614/2020,
SAS --- General ---- Hand Over Take Over
223/2022, 155/2023
Roles of Branches/ Offices:
In case of Regular transfer / deputation for more than one month:
1. The Outgoing Branch manager or the Officer-in-charge of the Branch has to keep
ready the items mentioned in Handover Checklist as per Handover Takeover (HOTO)
Package for facilitating easy verification by the Incoming Branch Manager (Charge
taking Official). So that the charge taking over process is completed within the
stipulated time, depending on the size of the Branch.
2. The Incoming Manager or the Officer-in-charge of the branch in the absence of
Branch Manager has to check the items as per Takeover Checklist as per Annexure II.
A and also verify the latest Exceptional reports, RBIA report, Concurrent Audit report,
pending items of Audit Reports and Offsite Transaction Monitoring Alert reports etc.,
3. The same is to be recorded in SAS package. Key business figures data has to be
generated under Dashboard option as per Annexure-II.B under Transaction Menu,
thereafter final entry has to be marked properly in NF 678 (format as per AnnexureII).
Upon completion of the takeover process, the same has to be submitted in the
package. Submitted report will be available to General Administration Section of
Regional Office for verification.
4. A separate file shall be maintained for preserving the Handing Over and Taking Over
Charge report generated under Reports Menu in SAS package. The same is to be
preserved carefully under dual custody for future reference.
5. On receipt of observations from GA Section of RO / HRM Section of CO, Incoming
Manager/ Key holder along with the outgoing Manager has to comply with the
observations under Branch Compliance option under Transaction Menu and
retransmit the same to respective Regional Office/ Circle Office.
6. The incoming branch in charge has to take possession of Confidential Files.
7. The Outgoing Manager is permitted to mark his remarks through Hand Over checklist
option under Transaction Menu on the observations made by the Incoming Manager.
8. The Branch In-charge/ New incumbent has to submit the report within 15 days of
commencing the Charge taking process through SAS package.

In case of Scale IV Officers & above taking charge of the Branch:

1. The Executives of VLBs/ ELBs are not formally taking/ handing over charge of the
Branch as in case of Managers/ Senior Managers. They should nominate a person
(preferably Second line manager / One of the Key holders) for entering the
observations in SAS Package and send the details to GA Section, Regional Office.
2. The person nominated by the Executive has to verify all the items as per Takeover
Checklist and also verify the latest Exceptional reports, RBIA report, Concurrent
Audit report, pending items of Audit Reports and Offsite Transaction Monitoring
Alert reports.
3. The same is to be recorded in SAS -¬> HOTO package. Also key business figures
data has to be generated under Dashboard option under Transaction Menu,
 thereafter NF 678 (as per annexure-II) final entry has to be marked properly.
4. Confirmation to be obtained from joint custodians (Key holders) of the Branch,
certifying that the items are checked/ verified by them as per Take Over Checklist
and found in order. In case of non-availability of any of the items, they have to
furnish full details of the same. The report need to be submitted to GA Section of
Regional Office
5. However, the CM/AGM/DGM heading the Branch has to conduct surprise
checking of cash at quarterly intervals and send a report to RO as per extant
guidelines.
Roles of GA Section, Regional Office/ HRM Section, Circle Office:
1. Upon receipt of report from the Branch, GA section, Regional Office shall
review the charge taking over report in SAS package within 15 days and either
push it back to the Branch for compliance wherever found necessary, duly
marking observations of RO and obtain confirmation on compliance or
forward the same to HRM Section, Circle Office for closure.
2. GA Section of Regional Office has to assign the user on behalf of Executive in
case of Branches headed by Scale IV & above.
3. Upon receipt of report from Branch/RO, HRM section, Circle Office shall
review the charge taking over report in SAS package within 15 days and either
push it back to the Branch for compliance wherever necessary, duly marking
observations of CO and obtain confirmation on compliance or accept & close
the report.
The maximum permissible number of days for taking over charge as applicable to
Officers in each grade / scale are furnished below:

Officers in JMG Scale - I / Second Line Managers / Managers in Scale - III 4 days
in branches / Offices and Officers in JMG Scale - I posted to proposed
branch to attend preliminary work
Senior Managers / Managers in HO / CO / RO / ID / Inspection Wing / 7 days
ZIs, STC / RSTCs CLC, other administrative units (not covered in in other
list) & Senior Manager / Manager posted to proposed new branch
/ office to attend to preliminary work
Officers in JMG Scale - I in-charge of small branches Senior Manager / 7 days
Managers in-charge of small branches.
Senior Manager / Manager in charge of medium branches 10 days
Senior Managers / Managers in charge of Large branches / Clearing 10 days
Section / Foreign Dept. / Cur. Chests, A/c Sections
Senior Managers of ELBs / VLBs 10 days
Officers in Scale - IV and above 10 days

The period of taking over charge should commence from the date of arrival of the
Officer to the transferee office / branch and shall not exceed the days specified under
any circumstances.

The number of days leave availed, Sundays and other public holidays shall be
excluded for the purpose of arriving at the permissible days for taking over charge.
HALTING • In case no residential accommodation is made available by the Bank to the
ALLOWANCE Officer at the transferee place and hence, the Officer incurs additional
DURING TAKING expenses for the reasons beyond his control, during the process of taking over
OVER charge, the Bank on merit, consider granting Halting Allowance upto 15 days
CHARGE PERIOD or till the date of providing or fixing of quarters, whichever is earlier.
• An Officer owning a house at the transferee place is not eligible for payment
Cir 1/2004, 1/2022, of Halting Allowance as the Officer is expected to occupy the same straight
196/2024 away on arrival. Similarly Officers who have been allotted the quarters but do
not occupy the same for personal reasons are also not entitled for Halting
Allowance during the period
• An Officer shall not be eligible for reimbursement of Halting Allowance
beyond the stipulated days even if the quarters is not made available at the
transferee place or for any reason/s, whatsoever.
• During taking over charge period, if quarters are not provided, in addition to
the HA, the Officers shall be eligible for minimum HRA as applicable to the
place. However, if the Officer stays in a lodge / hotel, lodging expenses shall
be reimbursed, subject to the maximum of rental applicable to that place.
Further, if reimbursement of rental ceiling is extended, recovery at 1.2% of the
initial stage of the Basic Pay shall be recovered towards HRR.
• 15 days lodging and boarding charges or 15 days halting allowance shall be
paid from the date of joining at the new place (196/2024)

STAY IN HOTEL / • In case quarters is not provided by the Bank or the Officer is not in a position
LODGE BEYOND THE to fix up a quarters on Bank / personal lease and hence, prefers to stay in a
TAKING OVER hotel / lodge beyond the taking over charge period, the Officer shall be eligible
CHARGE PERIOD to seek reimbursement of lodging expenses subject to the rental ceiling fixed
to the quarters at the place of work, as applicable to the Scale. In such cases,
the recovery towards HRRof 1.2% of the first stage of the Basic Pay in the scale
in which the Officer is placed shallbe effected and will not be eligible for HRA
for this period.
• The sanction for reimbursement of lodging expenses in such cases is tobe
obtained from HRM Section.
• The reimbursement of lodging expenses permissible under the above
clausefor the Officer where quarters are not provided / could not fix-up
quarters on Bank /personal lease, shall be considered for a reasonable period
of 3 months only. All effortshave to be made by the Officer concerned to fix-
up the quarters at the earliest. If quartersare not fixed up within the
reasonable period of 3 months, the Officer shall be eligible for minimum HRA
only.
Eligibility Hotel Major Cities Area 1 Others
Scale 1 1 Star Non AC Rs.1600.00 Rs.1200.00 Rs.800.00
Scale 2, 3 2 Star Non AC Rs.2400.00 Rs.1600.00 Rs.1200.00
Sclae 4, 5 3 Star Rs.4000.00 Rs.2400.00 Rs.2000.00
Scale 6, 7 4 Star Rs.6800.00 Rs.3400.00 Rs.3000.00
VACATION OF • An Officer on transfer, shall vacate Bank's quarters within 7 days of the relief.
QUARTERS AT • In case, the Officer is not in a position to vacate the quarters within 7 days of
TRANSFEROR PLACE relief, prior permission from the Competent Authority has to be obtained.
Retention of quarters beyond 7 days cannot be claimed as a matter of right.
Such requests shall be examined by the Competent Authority on merits
provided satisfactory reasons are furnished. The decision of the Competent
Authority shall be final in such cases.
• It may also be noted that granting of permission to shift family and / or
belongings at a later date does not imply permission for retention of quarters
at transferor place. For retention of quarters specific prior permission of the
Competent Authority is necessary.
• Whenever permission has been accorded for retention of quarters at
transferor place by the Competent Authority beyond 7 days, such permission
shall not exceed 30 days from the date of relief. Further, in such cases,
recovery towards quarters as per norms shall be effected.
• Whenever Officers are permitted retention of quarters at their last place of
work or stay at third place and they visit such places on official duty, they shall
not be eligible for TA / HA. However, reasonable conveyance expenses, if any,
incurred at the place of stay in connection with official duty, will be
reimbursed.
• Failure to vacate the quarters within the time permitted for retention, will
render the Officer to appropriate actions including recovery of market rent
etc.
RELIEF ON TRANSFER • Actual period spent on journey shall alone be treated as journey period. If the
& JOURNEY PERIOD journey is undertaken by circuitous route, notional journey period by shortest
route shall only be permitted.
• If the journey is undertaken on working days during working hours, journey
period is permissible. In other words, if the travel is undertaken other than on
working days and / or outside working hours, no notional journey period is
permissible.
• If Officers are required to travel in the night / next day morning before
commencement of working hours, they may be relieved a.o.h. on that day.
• If the Officers are commencing travel during office hours they are to be
relieved sufficiently in advance on the date of travel so that they will have
reasonable time to reach place of stay and commence travel.
• If the Officers reach place of work / destination during working hours, Senior
Manager / Managers have to insist them to report for duty on the same day
during office hours. This is, however, subject to permitting them reasonable
time to reach the place of stay on arrival. Otherwise, the absence on that day
should be treated as joining time / leave of appropriate category.
• Public Holidays / Weekly Holidays immediately following the date of relief
shall be excluded for computing either Joining Time or Journey Period but not
for both.
• Officers are required to commence journey immediately on relief by eligible
mode of conveyance.
• Night travel by bus on the date of relief need not be insisted wherever the
 distance between the two places is comparatively more. Only when the
distance between the two places is commutable within one or two hours and
frequent transport facilities are available in such case, the Officers may be
insisted for return journey on the same day.
• If the train facility is available, journey should be commenced immediately on
relief even if it involves night journey.

JOINING TIME ON • An Officer shall be eligible for joining time of 7 days exclusive of the number of
TRANSFER days spent on travel, for joining duty at the transferee place. However, no
joining time shall be permissible in case of local transfers (i.e. in the same city
/ town including the areas under urban agglomeration of main centres / within
same municipal /panchayat limits).
• An Officer shall be eligible for joining time when asked to report at the
transferee place on return from leave.
• In calculating the joining time, the day on which the Officer is relieved from
the earlier place shall be excluded. Only public / weekly holidays immediately
following the date of relief shall be excluded in computing the joining time. In
other words, intervening public holidays and weekly holidays shall be included
in computing the joining time.
• Joining time spent at the transferee place shall be treated as on duty.
• Joining time can be availed in two instalments with prior permission from the
Competent Authority, within stipulated time for shifting family and
belongings.
• The Officer shall not be eligible for any joining time for temporary transfers
even though such transfers are to places other than the Officer's place of
permanent posting.
• When the joining time is availed before reporting at the transferee place, an
Officer shall be eligible to draw the emoluments as applicable to the place of
transfer.
MID-ACADEMIC • Mid Academic Year Transfer Allowance shall be payable at Rs. 2500/- p.m. per
YEAR TRANSFER child with a maximum up to 2 children.
ALLOWANCE • An Officer transferred from one place to another, in the middle of an
academic year, i.e. the order issued on or after 1st July of the year, shall be
eligible for an allowance of Rs.2500/- per month provided he has one or more
children studying in school / college in the transferor place. The Mid Academic
Year Allowance is payable from the date when the Officer reports at the
transferee place to the end of the academic year or till the time the children
cease studying in the transferor place whichever is earlier.
• However, in the case of transfers effected on or after 1st July, i.e., in the
middle of an academic year, the Officer having school / college going children
/ dependent school / college going family members, may request for retention
of quarters at the transferor place. The same shall be normally considered at
the discretion of the Bank. If permission is accorded by the Competent
Authority the same shall be valid till the end of the academic year or till the
children continue to prosecute the studies, whichever is earlier.
 • After examinations are over, the Officer is expected to shift the family
immediately. Failure to do so, the Officer shall be liable to reimburse to the
Bank full rent for the quarters, for the period beyond the completion of the
academic year till the vacation of quarters. The Officer should give an
undertaking letter to this effect at the time of requesting for retention of
quarters.
• Wherever retention of quarters is permitted, the Officers are not eligible for
mid-academic year transfer allowance.

NB: The above informations are only illustrative. Please be guided by latest circulars.
TIPS FOR HANDING OVER &
TAKING OVER CHARGE
0B Introduction: The position of the Branch in charge is a coveted one and the success always
depends on the word “WE” and not “I.
Identify the vital area of branch functioning and make a study of them in
relation to the task which you are expected to perform. In this endeavor,
please utilize the knowledge and experience of the outgoing Manager. In
addition, you have another vital and vibrant source i.e. the staff.
Latest Changes and
1B Outgoing Manager to keep in ready the items mentioned in checklist as per
2B

Checklist Checklist 1 of circular 614/2020, 223/2022, 155/2023.

Checklist items
3B
• Confirmation on Tallying of Cash at Branch, ATM as per CBS.
4B

• Confirmation on Cash Paid Instruments availability inside Double Lock .

5B

• Confirmation regarding availability of Duplicate set of keys and

6B

exchange of the same .

• Confirmation on Tallying of Gold Loan packets .
7B

• Confirmation on Tallying of Safe Custody Articles with Safe Custody

8B

Register .
• Confirmation on Safe Deposit Locker Keys Tallying with Vacant Lockers.
9B

• Confirmation on availability of EMT as per EMT register. Whether the

10B

same is balanced?
• Confirmation on availability of Loan papers as per CBS report.
11B

• Confirmation on Availability of AOD in loan paper to be checked Expired

12B

/ time barred debts if any – PRR12.

• Confirmation on balancing of Security Items Register like Cheque books
13B

, DD , KDR /FDR receipts etc .

• Confirmation on Availability of Branch License / Gun license (if
14B

provided) /Weights & Measures Annual certificate to be checked .

• Confirmation on Verification of Lease agreements of Premises / ATM
15B

/Generator NNND agents/Jewel appraiser & other outsourced services.

• Latest Position on Inspection reports (RBIA / Concurrent / Continuous /
16B

Special report) including carried over remarks & Income leakage .

• Whether certified copy of branch inventory (Furniture & Fittings /
17B

Durable articles) as on 31 March is available as per PDMS package in

SAS? (Premises Data Management System) Any missing item ?
• Whether any demand notice was received from Statutory authorities?
/any cases filed against branch including BO & CDRF cases? / any
pending RTI complaints .
• Unreconciled items pending for more than 6 months (Old entries in SA
/BA /SL/ Minor subsidiaries) Verify operations in Bankers Account if
available.
• Latest mandatory reports generated till? (Please mention date)
• Any other matter requiring immediate attention

18B NOTE :
• Outgoing Branch manager or the Officer-in-charge of the branch has to
19B

keep ready the items mentioned in checklist as per Annexure-I for

facilitating easy verification by the Incoming Manager so that the charge
taking over process is completed within the stipulated time depending
 on the size of the branch.
• Incoming Manager or the officer-in-charge of the branch in the absence
20B

of Branch Manager has to check the items as per checklist furnished in

Annexure-I. The same is to be recorded in SAS package.
• NF 678 – Charge Taking /Handover format to be signed by incoming and
21B

outgoing manager and to be recorded in SAS .

• The report shall be submitted to the respective HRM section, Circle
22B

Office endorsing a copy to RO immediately on completion of the charge

taking over process.
• CO/RO shall review the charge taking over report in SAS package within
23B

15 days and initiate necessary action for rectification wherever found

necessary and obtain compliance report within next fortnight and close
the report within 45 days from date of report.
Study the following basic
24B
• Branch Business Planner
documents / areas: • Branch Performance Review Reports and Budget (Target) Settlement
Sheets.
• DM's/AGM's quarterly branch visit reports &remarks/ observations
made.
• Inspection(RBIA) reports (RBIA, Concurrent, RBI, AG's office, etc) - Keep
the files in a safe place.
• Statutory Auditor's Report for the latest year-end Balance Sheet and
Long Form Audit Report (LFAR) – Ensure safe- keeping of last 4
quarterly Balance Sheet.
• Reports of any special Investigation done by RBI or any other regulating
authority.
• Correspondence from Government/Governmental agencies. Pending
Correspondence and Credit Reports.
• Performance Appraisal Report i.e. Goals set and Performance
achieved/appraised.
• Half yearly report on workmen, KRA and APAR for officers.
• Register of desirable/undesirable parties.
• Customer Complaints Register–Status of pending complaints if any.
• Service Area Villages allocated to the branch in the case of Rural Branch.
• Wards / Areas / Streets allocated to the branch in the case of Semi
Urban, Urban, Metro branches.
• Incident Reporting, Cash Transaction Reports, Suspicious Transactions
Reports, Counterfeit Currency Reports.
 FUNCTIONAL AREAS
Cash/Security Items 1. Check Cash Balance physically and tally with Day book figure of previous
day.
2. Check signature in double lock Register-cum Cash Abstract
3. Ensure balance shown tallies with item (1) above
4. Physical checking of Cash in ATM Machine (check how many ATMs are
attached to the branch) to be carried out. Ensure JPT Print out taken from
ATM machine/s tallies with physical cash in ATM. Tally JPT balance with
ATM-Cash General Ledger Balance and also Day book.
5. Daily tallying of Cash deposit machine to be ensured.
6. Physically check all security items like Demand Drafts, Cheque Books,
Term Deposit Receipts, Pay orders – Tally with the Key Register. Ensure
quarterly balancing taken–Whether tallied and signed by both the key
holders.
7. Ascertain the Standard Cash Limit fixed for the branch.
8. Please ensure management of cut, soiled and non-issuable notes.
9. Single lock keys–Ensure availability of SL Key with cashier.
25B Banker's Account 1. Account with other banks, if any–Register fresh mandate in your name
for operating the Banker's account duly signed by the outgoing
incumbent.
2. Remittance arrangements with Currency Chest/ other Branches/Banks–
with phone numbers
3. Is there any reconciliation pending in Banker's account?
Double
26B Lock 1. Procedure for operation and maintenance–Ensure compliance.
Arrangement: 2. Names and phone numbers/addresses of the persons who hold double
lock keys.
3. Verification of contents in Double lock including Currency notes, IVP, GL
packets, ISC parcels, Safe Custody Articles, Duplicate Keys of other
branches, Loan papers, Gun ,bullets etc. (Ref: Cash manual for details)
4. Check Balancing and physical verification of Safe Custody Articles
5. Verify Inward Register for loan papers- Ensure number of loan papers
held in Double lock, tally with the register / report.
6. Duplicate keys of Double lock/Premises-when &where lodged, where
receipts are kept and when last exchanged (to be exchanged once in two
years) to be ascertained.
7. Exhaust fans, fire alarm, Burglar Alarm, Surveillance Camera in Double
lock–Ensure that all are in working condition
27B Gold Loan: 1. Name / Phone number of Appraiser/s- Security obtained- verification
of agreement.
2. Physical checking of Gold Loan packets–Tally with the balancing report
and also Key Register.–Confirm Gold Loan Applications are available
and kept properly.
28B Deposits: 1. List of Good / High Value Depositors / HNIs – Generate report of TOP50
customers through Business Objects Report .
2. List of prospective parties–already met by the predecessor.
3. Keep the Name, Address, Phone number, E mail ID of HNI customers
and also NRI clients.
4. Ascertain the number of Inoperative accounts and steps taken by the
branch for reviving them.
5. KYC compliance status
6. Ensure the account opening forms are filled properly and preserved
safely.
7. Observe the List / Balancing of Temporary Overdrafts (TODs) in SB and
Current Accounts – Ensure follow-up action has been taken for early
regularization/recovery.
8. Balancing report of In-built Overdraft (IOD) accounts are to be taken and
obtention of proper loan papers to be ensured.
9. Ensure undelivered Debit Cards are kept in safe custody and destroyed if
more than 3months old.

Loans and Advances in

29B 1. Generate report through business objects (TOP 25 or 50 Advances
General: customers) and ascertain further information about the customers from
the predecessor.
2. Meet all the important especially TOP customers say with limits of Rs.20
lacs and above.
3. Ensure Inspection of godown (KCC, OCC, PC, PL etc) done on rotation
basis – Ensure maintenance of separate register for godown checking.
4. Farm inspection done with location and nature of loan.
5. Verification of other high value security hypothecated/mortgaged to the
bank by borrowers.
6. Ensure maintenance of Interest Rate Modification Register / Interest
Checking entrustment register.
7. Ensure subsidy claim has been made in eligible cases like Self Help
Group Loans / PMEGP / Other Govt sponsored Schemes / TUFFS etc.
8. Ensure subsidy received has been kept in appropriate SL head or Zero
Interest Term Deposit and account wise details are available.
9. Ensure that Interest subvention for eligible Agri Crop Loans, Educational
Loans and Housing loans have been claimed up to date.
10. Ascertain the information about the pending Loan proposals sent to
CO/RAH for sanction.
11. Ensure Credit Sanction Register is maintained and sent to Advances
Section / R.M Section for review every month
12. Ensure copies of Loan appraisal above Rs.5 lacs are sent to Circle Office
for review promptly.
Verification
30B of Loan 1. Generate Balancing report of all loans – preferably product wise and
Documents other than ensure all the loan papers are physically available. The balancing report
Gold Loans: contains Date of Loan papers, AOD Date, Rate of Interest charged,
Sanctioned Amount and present liability.

2. Check points while verifying the Loan papers –

• Correct Loan paper date is reflecting in the balancing report.
• Loan sanction has been signed by the branch in charge/Sanction
letter available in case of sanctions by higher authorities.
• Obtention of correct loan agreement and signature of the manager
in relevant places
• AOD is physically available with the loan papers and the date of AOD
is correctly shown in the report.
• AOD is stamped and signed by all the borrowers / co-obligants/ co-
borrowers
• AOD is witnessed by branch official.
• List out any Loan paper / AOD likely to expire / get time barred
shortly.
• Ensure submission of PRR12 for the last half year and glance through
the same.
• Ensure EMT documents are kept along with the Loan papers and
preserved separately
• Ensure document movement register is maintained and updated.
Verification of Running
31B 1. Generate Balancing report of all OD/OCC Accounts
Limits like OD/OCC: 2. Check Loan documents as mentioned above
3. In addition ensure availability of the latest Credit appraisal / proposal
in the CR file.
4. Ensure the latest sanction letter communicated to the party duly
against his acknowledgment.
5. Check the continuity in the loan document sending with the latest
Letter of Renewal.
6. Ensure whether the limit is in force
7. Ensure the expiry date of limit as per the Sanction / Loan Papers has
been correctly fed in CBS
8. Ensure maintenance of Stock statement-Filed party wise
9. Generate list of expired OD/OCC limits. Ascertain Credit reports due /
Expired Credit Limits and notices to be sent.

EMT / MODTD / ROC

32B 1. Check availability of all the Equitable Mortgage Documents pertaining
Verifcation to all the Loans/Advances/running limits
2. Check the latest EMT Balancing report and ensure availability of all the
original documents.
3. Verify that all original documents as per LSR have been obtained
before putting through EMT.
4. Ascertain whether any EMT transaction is pending to be put through
by customers– e.g. Housing Loan for purchase of vacant site released
 but documents yet to be obtained from Registrar office.
5. Ascertain whether registration of EMT/MODTD is pending to be
executed–as applicable in some States.
6. Ensure/ascertain all the EMTs (other than Agricultural property) have
been registered with CERSAI.
7. Ascertain any pending Mortgages are to be registered with CERSAI–
Delay in regn attracts penalty
8. Ascertain if any further Encumbrance certificates are to be obtained in
the case of EMT transactions.
9. Ascertain Pending charge creation in case of Company advances
Insurance of Securities
33B 1. Ensure availability of Insurance for the all the godowns/LHVs/HL and
like Land and Building: other securities hypothecated/mortgaged to us
2. Ensure all such Insurance Policies are in force.
3. Ensure availability of Insurance Register / Due date Register / Follow
up Register,if not fed in CBS
Loan
34B Accounts with 1. Ensure all the eligible MSE accounts are covered under CGTMSE /
CGTMSE / CGFMU Cover: CGFMU. Please check recently granted loans under MSE are covered.
2. Latest list of account covered under the scheme will be sent by SME
Cell / Advances Section, Circle Office to respective Branches along with
premium claim. Ensure availability of that list in a separate file.
3. Ensure whether Annual Guarantee fee has been paid in all the eligible
cases.
4. If any account covered under CGTMSE slips to NPA, the date of NPA is
to be reported to the Trust through Circle Office without fail. Hence,
the list mentioned in point iii will be very helpful
35B Sticky Advances (LPD) 1. List of sticky advances.
2. List of LPD Accounts with category like Legal Action Waived (LAW)/Non-
suit filed/suit filed/Suit filed and decreed etc.
3. List of Accounts where suit filing permission is received but Suit is yet to
be filed
4. Ascertain the details of Write-off Notes sent and pending receipt of
Branch Advice
5. Suit filed accounts/SARFAESI Accounts and their present status.
6. Any important aspect like taking possession / issuing sale notice etc is
pending?
7. Ascertain the Names and Addresses of Panel Advocates, Valuers
36B Recovery Position: 1. Overall recovery position of the branch.
2. Special Watch/other NPA statements
3. Ascertain information about high value loan accounts likely to slip to
NPA shortly
4. Ensure there is proper follow-up of loans by sending notices / personal
contacts etc.
5. Ascertain the Recovery prospects under various schemes.
6. Timely obtention of AODs
7. Ascertain the details of OTS / Can-Adalat proposals/decision pending to
be completed
37B Premises/Furniture 1. Terms of lease, Carpet area details,rent/tax liability details,TDS on rent,
Advance rent details,periodical maintenance
2. Lease agreement / Deed registration, exercise of option and timely
renewal of lease
3. Rent details–amount,due date of payment,TDS particulars
4. Insurance-amount due date for renewal, insurance agency,
5. Gun license and retainer license to be in force
6. Annual drill for security guard / using security guard for other works
7. List of furniture and fittings (inventory certification, numbering,
conditions of items).
8. Stock and stationery maintenance.
9. Ensure Name Board, Enquiry Board, Timing Board are displayed
10. Suggestion Box/First Aid boxes–Ensure availability.
11. Annual Maintenance Contract(AMC)for computers/printers/ UPS etc in
force
12. Ensure availability of Fire extinguishers withrefilling date
13. Ensure smoke detectors are fixed and in working condition.
14. Ensure UPS back up is available and AMC agreement is in force
15. Ensure CCTV is in working condition and backup of data is kept safely
16. Ensure proper UPS backup arrangement in ATM site
38B Lockers: 1. Keys details - Duplicate Master key, vacant locker keys, and locker room
maintenance.
2. Locker Vacancy position, waiting list
3. Rent details, whether review is due or done (for each size).
4. Rent arrear details, details of non-operation-KYC norms
39B Foreign Business: 1. Ascertain full details about parties enjoying Packing Credit / Export
Bills/LC Limits/Pending GR/BEF etc
2. Ascertain details about Non-Resident Deposits (NRE, NRO, FCNR) and
related Pending correspondence, if any
3. Ensure FCNR balancing is tallied/reconciled with mirror account in
Foreign Department.
40B NNND / Pigmy 1. Ensure Security agreement of the NNND Agent is in force.
2. Ensure tallying of NNND (Web based package) closing balance with
NNND balance shown in Day book

41B Standing Instruction: 1. Ensure effective and timely execution Standing Instructions - pending, if
any
2. Ensure PDCs in respect of Retail Lending Loans are recorded in register
and presented on due dates
3. Ensure ECS Debit mandate has been registered for Retail Lending Loans
wherever applicable.
42B Death Claims: 1. Ensure Death claim/Nomination Settlement Register maintained
properly and all settlements kept safely in DoubleLock.
2. List out if there are any Pending death claim / Nomination settlements.
BAA, Sundry Assets,
43B 1. Legal expenses, TA Advance, LFC Advance etc outstanding under SA
Sundry Liabilities, Sundry 2. Telephone payments, Electricity Board deposits, Water Board deposits
Deposits, Overdue outstanding in SA
Deposits. 3. Any amount is outstanding in SA-furniture and fixtures and pending for
capitalization.
4. Sundry Deposits – List out long outstanding items – Steps taken for
reversing/write back
5. Overdue Deposits–List out overdue for a very long period–Steps taken
for renewal of overdue Deposits.
6. Any other items, outstanding for long duration.
7. Ensure Interest Subvention received have been credited to Loan
accounts/Operative accounts of the borrowers(if Loan is closed) and no
amount is lying in SL
44B Branch Vehicle: 1. Ensure proper maintenance of Logbook, Petrol limit, Insurance, Garage
Rent etc.

45B Filing System: 1. Ensure proper filing system in place like CR file, Confidential file,
Correspondence with Circle Office, Staff Files etc.
Meet important
46B 1. Landlord of the Branch Premises
personalities relevant 2. Panel Advocate/s
to the bank's 3. Heads in the Locality([Link],LocalBody Chairman)
business/area of 4. Local Government Officials (e.g. BDO, District Collector, District
functioning. Magistrate,Tahsildar)
5. Co-Bankers in the locality/town
6. Court Officials
7. Police Offcials – Keep the phone number of local Police Station handy.
8. Lead District Manager
9. Revenue Authorities
10. Business Correspondents of the branch – get their phone numbers.
11. Other important Institutions like Colleges, Schools
47B Staff: 1. Ensure Names, addresses, phone numbers, Mobile numbers specimen
signatures, initials are available in Staff Bio-data Register–Very
important.
2. Staff Report-confidential file and performance appraisal file.
3. Details of Staff Quarters, lease details, expiry date of lease etc to be
ascertained.
4. Work distribution/Job rotation cards.
5. Work Review sheet
6. Staff Meeting reports
7. Ensure userID/Password available for staff members in required
packages.
8. Password secrecy and periodical change of pass words - to be ensured.
Ensure user profile register is maintained and resetting of various
passwords by Administrator/Managers are recorded.
48B Internal Control: 1. GL heads / items like SA, SL, BAR, LCCR, etc. – MSIE (Minor Subsidiaries,
Income/Expenditure) Balancing Report to be taken from Reports home
page.
2. Tallying of ATM Physical Cash/JPT and GL figure to be confirmed
3. Verify whether any other difference in GL Heads especially LCCR /
Clearing related GL heads
4. Verify Banker's account and LCCR Reconciliation Statement PRR14A/B
5. Ensure PRR18 has been submitted till previous month – Certificate of
books of accounts checked without remarks / shortcomings
6. Ensure PRR19 has been submitted promptly – Certificate of Interest
Checking
49B Inspection: 1. Date when last held and important remarks.
2. Verify inspection report is replied promptly.
3. Verify DO letter/explanatory letter received by the branch.
4. Verify whether inspection report is closed fully, if not, list out pending
remarks.
5. Verify whether any fraud has been reported by the branch and if yes,
record the present status
6. Ensure rectification of major remarks, especially the ones in Part- B,
Special Reports, if any.
Technology
50B related 1. Ascertain the type of Network connectivity (Leased Line / ISDN/
matters: VSAT)and keep the phone number of BSNL/Network Engineers handy.
2. Ensure proper configuration of Email.
3. Availability of ATM Master Card is to be checked. PIN number of ATM
master cards to be checked. PIN number of ATM master cards to be
obtained. If cash is replenished by branch, the PIN for ATM bin is to be
obtained and to be CHANGED without fail.
4. Ascertain the password of ATM machine and ensure the ATM is
serviced/loaded with cash by both the key holders.
5. Ensure branch is maintaining ECS Mandate in a separate file and all the
mandates have been entered in the system. ECS debits may get rejected
if not entered in CBS.
6. BD360 is an important tool–to see the past performance, Targets and
present level of business.

Important things to be
51B 1. Mobile Phone/SIM card given for the branch in charge
received from the 2. Laptop given for the branch
outgoing Manager. 3. Password for CIBIL/Experian/CERSAI/Traces/WebTDS
4. Keys for burglar alarm, fire alarm

52B Third party Products: 1. Ascertain the name and contact number of marketing personnel of all
the third party products.
2. Any claim disputes pending in case of any associate party products
pending?
53B Miscellaneous Items: 1. List out any Pending summons from Income Tax Department, queries
under RTI Act, Legal Notices etc
2. List out any pending claim against the bank on any legal /
Ombudsman/Consumer Forum matters.
3. Any pending complaints from Customers to be redressed?
4. PMJJBY, PMSBY, APY applications whether safely kept in double lock.
5. Any PMJJBY, PMSBY,RUPAY insurance claims under process.
 THE CANARA BANK OFFICERS' ASSOCIATION
Scale of Pay Lodging
Officers Mgrs SM DM AGM DGM GM Major Cities Area 1 Others
48480 64820 85920 102300 120940 140500 156500 Scale 1 Rs.2600.00 Rs.2100.00 Rs.1600.00
50480 67160 88600 105280 124300 144500 160840 Scale 2, 3 Rs.3400.00 Rs.2300.00 Rs.1800.00
52480 69840 91280 108260 127660 148500 165180 Sclae 4, 5 Rs.4000.00 Rs.2400.00 Rs.2000.00
54480 72520 93960 111240 131340 152500 169520 Scale 6, 7 Rs.6800.00 Rs.3400.00 Rs.3000.00
56480 75200 96640 114220 135020 156500 173860
58480 77880 99320 117580 139020 160500 178200 Special Allowance Dearness allowance
60480 80560 102300 120940 143020 164500 182540 Scale 1 26.50% + DA 1% per slab over 123.03 points
62480 83240 105280 124300 147020 168840 186880 Scale 2, 3 28.30% + DA
64820 85920 108260 127980 151020 Scale 4, 5 30.50% + DA Mobile Charges per month
67160 88600 111240 131660 Scale 6, 7 31.50% + DA Scale 2 & above Rs.399.00
69840 91280 114220 135340 Mobile phone facility Scale 1 Rs.200.00
72520 93960 117200 139020 Branch / Section heads Rs.10000.00 Furniture Allowance SWO Rs.100.00
75200 96640 120560 CM / DM Rs.10000.00 Scale 1 Rs.1.75 lakhs Sub staff Rs.75.00
77880 99320 123920 DM (RO Head), AGM Rs.15000.00 Scale 2 Rs.2.25 lakhs Drivers Rs.200.00
80560 102300 127280 DGM Heading RO / CO Rs.30000.00 Scale 3 Rs.2.50 lakhs
83240 105280 130640 DGM others Rs.25000.00 Scale 4 Rs.2.75 lakhs City Compensation Allowance
85920 108260 GM Rs.70000.00 Scale 5 Rs.3.50 lakhs Area 1 and
Rs.2300.00
88600 111240 Scale 6 Rs.4.75 lakhs above, Goa
91280 114220 Halting allowance Scale 7 Rs.5.50 lakhs Other CCA Area Rs.1900.00
93960 117200 Metro A Class Area 1 Others Scale 8 Rs.6.50 lakhs LA - Non CCA Rs.1200.00
96640 120180 Scale 1,2,3 Rs.2925.00 Rs.2475.00 Rs.2150.00 Rs.1800.00
99320 123160 Scale 4, 5 Rs.3375.00 Rs.2925.00 Rs.2475.00 Rs.2150.00 Brief case Cleaning Allowance
102300 126140 Scale 6, 7 Rs.4050.00 Rs.2925.00 Rs.2475.00 Rs.2150.00 Scale 1 Rs.1500.00 Scale 1 Rs.300.00
105280 Scale 2, 3 Rs.2000.00 Scale 2 and 3 Rs.400.00
108260 Newspaper allowance Learning Canteen / Soft Bag Scale 4 Rs.600.00
111240 Scale 6, 7 Any three dailies Allowance Lunch Scale 4 & 5 Rs.3500.00 Scale 5 Rs.750.00
114220 Scale 4, 5 90% of cost of any two dailies Rs.850.00 + Scale 6 & 7 Rs.4500.00 Scale 6 Rs.1000.00
Rs.350.00 pm
Scale 1, 2, 3 80% of cost of any two dailies DA Trolley Scale 7 Rs.1500.00
Scale 6 & 7 Rs.4000.00
Minimum HRA
Conveyance Compensation on transfer Major A Class 10% of pay
Metro Area 1 Area 2 Area 3 Upto scale 3 Rs.40000.00 Area 1 9% of pay
Scale 1 1000 1000 800 800 Sc 4 and above Rs.50000.00 Other places 8% of pay
Officers do not own
Scale 2 1100 1100 900 900
vehicle
Scale 3 1200 1200 1000 1000 Eye Checkup Rs.500.00 Health Checkup Rs.2000.00
Scale 1 60 litre 55 litre 50 litre 50 litre
Branch head having 4 Scale 2 60 litre 55 litre 50 litre 50 litre Loan and advances (Scale 1 to 3)
wheeler Scale 3 80 litre 75 litre 70 litre 65 litre Quantum Interest Repayment
Prob 45 litre 40 litre 35 litre 35 litre Festival Adv 1 Month Gross Nil 12 months
Scale 1 55 litre 50 litre 45 litre 45 litre Housing loan 120 lacs 6% 360 months
Branch head having 2 Scale 2 55 litre 50 litre 45 litre 45 litre Car loan 15 lacs 6% 180 months
wheeler Scale 3 55 litre 50 litre 45 litre 45 litre Car Electric 17 lacs 6% 180 months
Prob 45 litre 40 litre 35 litre 35 litre Two wheeler 2 lacs 6% 84 months
Scale 1 50 litre 45 litre 40 litre 40 litre DPN 10 lacs 7.45% 120 months
Others having 4 Scale 2 50 litre 45 litre 40 litre 40 litre New OD 2 lacs 7.45% 24 months
wheeler Scale 3 70 litre 65 litre 60 litre 55 litre
Prob 45 litre 40 litre 35 litre 35 litre Business development / Entertainment
Scale 1 50 litre 45 litre 40 litre 40 litre PO Others Branch Head
Others having 2 Scale 2 50 litre 45 litre 40 litre 40 litre Scale 1 Rs.3000.00 Rs.6000.00 Rs.7000.00
wheeler Scale 3 50 litre 45 litre 40 litre 40 litre Scale 2 Rs.3500.00 Rs.7000.00 Rs.8000.00
Prob 45 litre 40 litre 35 litre 35 litre Scale 3 Rs.4000.00 Rs.8000.00 Rs.9000.00
Scale 4 Rs.12500.00
Retirement Momento Medical Aid Closing Child care Scale 5 Rs.14500.00
Executives 35000 JMG & MMG Rs.13000.00 Officiating pay Allowance Allowance Scale 6 Rs.26000.00
Officers 30000 SMG & TEG Rs.15400.00 15% of Basic Rs.1500.00 Rs.2000.00 Scale 7 Rs.30000.00

Quarters Rent
Scale 1 Scale 2 Scale 3 Scale 4 Scale 5 Scale 6 Scale 7 Scale 8

Delhi, Noida, Ghaziabad, Gurgaon, Shahibabad, 30000 30500 33500 37000 44500 74000 85500 87500
Faridabad, Ballabgarh & Mumbai

Bengaluru, Kolkata, Chennai, Hyderabad,

22500 23500 26000 29500 33000 45500 57500 59500
Secundarabad, Ahmedabad, Gandhinagar,
Chandigarh (Panchkula & Mohali) And Pune

All State Capitals, Area-1 and all places with

population of 10 lakhs and above, Port Blair,
17000 18000 20500 23500 26000 34000 40000 42000
Union Territory Head Quarters, Hill Stations,
Port Branches, Rourkela, Jamshedpur, Bokaro
Steel City Durgapur, Porbandar And Bhilai
Goa (Except state capital Panaji) 17000 18000 20000 23000 26000 34000 40000 42000
Area 2 (Centres with population 1 lakh and
11000 12000 13000 15000 17000 21500 29000 31000
above and below 10 lakhs)
Area 3 (All others and population less than 1
8500 9500 11500 13000 14500 18000 21000 24000
lakh)

DISCIPLINE IN CBOA, DEVELOPMENT IN CANARA BANK

COMPILED BY CBOA KERALA 15122024
 JACOB P C RAVIKUMAR K RAJIV NIGAM
CHAIRMAN GENERAL SECRETARY PRESIDENT

TRANSFER GUIDE 2025

A Publication from
Canara Bank Officers' Association