book step-1

FOREWORD
Dear Colleagues,
Hearty welcome to every one of you.
On behalf of CBOA, I have great pleasure in appreciating,
congratulating, felicitating, greeting & welcoming every one of
“ALL THE VERY BEST”.
The basic Banking Principle is ‘accepting deposits for the
purpose of lending’. Today’s banking system has undergone a lot
of changes. Multifaceted services are being given by the Banks.
G V Manimaran
become a customer of the Bank.
Lot of challenges including mergers & amalgamation, disinvestment of equity of some PSU
banks, allowing foreign direct investment beyond 50 per cent etc are ahead us. Only after
great struggle, our wage revision was settled.
This booklet “Info Book for POs’ on your hand prepared by V Ramaraj, Editor, Friend & Guide,
CBOA, carrying the information regarding the uniqueness of CBOA, CBOA’s Welfare schemes &
achievements, CANPAL, facilities given by our Thrift Society & Tips for Probationary Officers,
will be much useful to you.
CBOA has a self-imposed goal of Rs 10,000 crores net profit & total business for 10 lac crores
which is not thought by any other Trade Union in Indian Banking industry.
‘CANPAL’, a voluntary forum consisting of serving & retired Officers, has been formed by our
CBOA with the objective of dedicating ourselves to our beloved Bank to excel in every
parameter as a voluntary service to our Bank.
I invite every one of you to actively participate in CBOA’s functioning and also in the development
of our Bank through CANPAL.
“Helping Hands never hesitate to stretch beyond boundaries”
Do your duty and own your rights
Wish you “ALL THE VERY BEST”,
Chennai
27.09.2015
G V MANIMARAN
GENERAL SECRETARY
NA
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AINBOF
L IN
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The Canara Bank Officers' Association (Regd.)
(Affiliated to AINBOF & AIBOC)
1
Our Beloved Organisation
LIST OF CENTRAL NEGOTIATING TEAM MEMBERS (CNT)
Sl.NO
NAME
DESIGNATION IN CBOA
STATIONED AT
1
Sri A N Krishna Murthy
Chairman
Bangalore
2
Sri K S Singh
President
Patna
3
Sri J Vanagamudi
Vice-President
Coimbatore
4
Sri A S N Reddy
Vice-President
Vijayawada
5
Sri M U Kulkarni
Vice-President
Mangalore
6
Sri G V Manimaran
General Secretary
Chennai
7
Sri Ashwani Kumar Juneja
Joint General Secretary
Rohtak
8
Sri R K Bhardwaj
Joint General Secretary
Bhopal
9
Sri C.K SudhaKaran
Joint General Secretary
Trivandrum
10
Sri Suresh D Kokal
Organising General Secretary
Mumbai
LIST OF YOUNG CNT MEMBERS WHO ATTEND J. C. ON ROTATION BASIS
1
Sri Anshuman Singh
CC Member (Young)
Lucknow
2
Sri Ravikumar
CC Member (Young)
Gulbarga
3
Smt Sarika Patwa
CC Member (Woman Representative)
Ahmedabad
“Info Book for POs”
A publication of
The Canara Bank Officers’ Association (Regd)
Madurai Region
Compiled by V Ramaraj
Editor, Friend & Guide, CBOA
2
The Canara Bank Officers' Association (Regd.)
Registered under Trade Unions Act, 1926 at Mumbai. (Affiliated to AIBOC)
I. B. O. C
A.
CENTRAL OFFICE
.
Patna– 800 016 Mob: 094309-64722
Off: 0612-2320856 Fax: 2223383
AINBOF
DERATI
ON
Road No- 6, Rajendra Nagar
CHENNAI OFFICE:
AN
ED B K OFFI
C
LIS
S FE
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C/o. “Sambay Villa”
DIA NATIO
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PATNA OFFICE:
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402-406, 4TH Floor, Himalaya House, P.B.No.262,
79, Mata Ramabai Ambedkar Marg, FORT, MUMBAI : 400 001
Tel: 2261 7872, 2270 5750, 22692083 Fax : 2261 8306, Gram: CIBIOA
E-mail : [email protected] or [email protected]
216, Royapettah High Road,
Opp. Deccan Hotel,
Royapettah,Chennai-600014
Tel: 044 – 28113151
e-mail:[email protected]
e-mail : [email protected]
THE CANARA BANK OFFICERS' ASSOCIATION (CBOA) is in existence since 1966 and is the only
Recognized Association representing Officers. More than 21,000 Officers a ll over India have
enrolled themselves as members ofthis Great Organisation, THE CANARA BANK OFFICERS’
ASSOCIATION.
IT IS THE CBOA that is affiliated to AIBOC, the largest National Organisation of Officers with
absolute majority in Banks and representing 91% of the Officers in the Banking Industry.
IT IS THE CBOA that holds periodical Joint Conferences with the Bank Management to lay down
policies on promotion, transfers and other service matters of interest concerning the Officers
community.
IT IS THE CBOA that has no political alignment
IT IS THE CBOA that has a nominee in the Board of Directors of the Bank
IT IS THE CBOA that has sponsored and created a Thrift Society at Chennai and a Welfare Fund
at Mumbai, granting death relief to members besides assistance to its members on
Hospitalisation.
IT IS THE CBOA, that has been publishing “FRIEND & GUIDE”, "LIGHT CIRCLE” “Empower 2015",
Promotion Study Materials and systematic coaching classes / mock interview sessions at all the
important centres all over India for the benefit of members / non-members.
CBOA has completed more than 4 decades of its existence and continues its unending crusade
for securing more lasting facilities for all the Officers in Canara Bank
When the root is deep……. There is no reason to fear the wind……..
3
CBOA’S WELFARE SCHEMES
BENEVOLENT FUND
The CBOA has formulated a Scheme to extend financial help to the family members of
an Officer who dies in harness and also to involve the members in creating a ‘corpus’ in
order to give a reasonable amount to the dependents of the deceased members.
Every member shall pay a sum of Rs.100/- (Rupees o ne hundred only) per month as
‘Contribution to the Fund’. In the case of ‘death in harness’ of a member a sum of
Rs.4,50,000/- (Rupees four lakhs fifty thousand only) shall be paid to the nominee/s of
the member from the corpus of the Fund.
DEATH RELIEF SCHEME
Under this scheme, an amount of Rs.50,000/- is being paid to the spouse or in their
absence to 1st Son / Daughter of the member who died in harness.
HOSPITALISATION SCHEME
In case of major operation or hospitalization for a long duration, an amount not
exceeding Rs 50,000/-shall be reimbursed under this scheme to a member on account
of hospitalisation of self, spouse and children bes ides normal reimbursement of Medical
Expenses by the Bank.
HONOURING RETIRED MEMBERS
a. A suitable memento worth Rs. 5000/- shall be given to all the officers retiring on
superannuation irrespective of the tenure of their membership in the association.
b. In case of any member who is demitting his office o n VRS/ Resignation the memento
shall be given as follows:1. An officer who is the member of the association for a period of 5 years
and above shall be given a memento worth Rs. 5000/2. Any officer who is the member of the association for a period of 2 year
and above but below 5 years shall be given a memento worth Rs. 2500/Be autiful saying
‘Alone I can 'Say' but together we can 'talk'.
'Alone I can 'Enjoy' but together we can 'Celebrate
'.
'Alone I can 'Smile' but together we can 'Laugh'.
‘Individually, we are one drop, but together, we are an ocean’.
That's the BEAUTY of Human Relations.
We are nothing without each other.
Stay Connected!!
4
Unparallel achievements of CBOA
Realistic Revision in Rental Ceiling for quarters (HO Cir 340/2015)
It is the CBOA which demanded & achieved the best rentral ceiling for the quarters
provided to the Officer employees w.e.f. 01.07.2015 which is not prevailing anywhere
in the entire Indian Banking Industry
Lodging / Hostel / PG Accommodation for P Os during Prob Period (HO Cir
340/2015)
The POs who join the Bank hereinafter shall also be extended with the facility to stay
in Lodge / Hostel / PG Accommodation till they are on probation if the Bank is unable
to provide accommodation and may suitably opt to co ntinue under this facility or for
quarters facility upon their confirmation.
The reimbursement, both for confirmed officer employees and for the POs joining
hereinafter, shall be fixed at 60% of rental reimbursement applicable to the place of
posting or the actual cost whichever is lower, subj ect to deduction of standard rent as
per Canara Bank Officers’ Service Regulations, 1979
New Furniture Scheme – Historical Achievement (HO Cir 303/2013):
Because of the efforts taken by CBOA, the new Furni ture Scheme has been introduced
for providing furniture / fixtures to the Officers w.e.f. 24.06.2013:
5
Scale
Monetary Ceiling / limit
JMGS I
Rs 1,00,000
MMGS II & III
Rs 1,75,000
It is introduced in the Bank for the first time after 107 years its existence. It is a
historical & Himalayan achievement of CBOA.
Introduction of ‘Policy on Staff Accountability’ to safe guard Officers (HO Cir
72/2012):
The ‘Policy on Staff Accountability’ has been made only in our Bank in the entire
Banking industry. The entire credit goes to our bel oved organization ‘CBOA’. The main
aim of the Accountability policy is not to discoura ge exercise of initiative and decision
making.
Informing the Annual Confidential Assessment Report (APAR) rating:
Due to the efforts taken by CBOA & AIBOC, the APAR rating will not be confidential
and it will be informed to individual officers from 2013 onwards.
Enhancement in limit & relaxations in eligibility norms etc in Employees’ Housing
Loan scheme:
·
Eligible after 2 years of service. Limit = Rs 50.00 Lacs;
·
ROI= 8%;
Margin 10%; Land cost= 40% of limit
·
Eligible to buy 2nd unit; NTH= 25%; Repayment= 30 years;
·
Both are eligible when husband & wife are our employees.
·
Continuation of liability after retirement up to 75 years of age.
Increase in limit & relaxations in eligibility norms etc in Employees’ LHV scheme:
·
Eligible after 6 months of service.
·
No ceiling in limit Condition of minimum gap of 4 years between two loans, is
removed.
·
Both two wheeler & four wheeler can be availed at a time.
·
Continuation of LHV liabilities after retirement up to 5 years at concessional ROI
Upward revision in reimbursement of monthly conveyance expenses (HO Cir 96/2012):
Till 28.02.2012, the P Os got reimbursed of conveya nce expenses upto Rs 100 p.m. for
Metro & Rs 75/- p.m. for other places respectively. We took the matter in the Joint
Conference and made the limit as Rs 1000/- p.m. for Metro / Area I & Rs 800/- p.m.
6
for other areas. Now, the P Os can get the conveyance reimbursement upto the above
limit during the probationary period whether they own a vehicle or not.
Further, the confirmed Officers were earlier eligible for reimbursement of lump sum
only till crossing the Basic Pay of Rs 19,400/- ( Revised Basic of 31,705). Now, our
organisation has helped the Probationary Officers to get fuel reimbursement at petrol
limits (instead of lump sum) w.e.f. 01.03.2012 immediately after their confirmation
without crossing the Basic Pay of Rs 19,400/- (Revised Basic of 31,705).
Mass recruitment:
CBOA is continuously urging the Bank to recruit Off icer employees in large numbers.
10,500 P Os were recruited by the Bank since 2009. 200
. 0 POs are being recruited
during this year.
PACKING CHARGES TO POs DURING THEIR PROBATION PERIOD (HO Cir 598/2014):
The facility of reimbursement of packing charges of Rs. 2000/- (Rupees Two Thousand
only) is extended to direct recruit probationary of ficers on transfer during their
probation period for the expenses related with packing, local transportation etc.,
with effective from 01.10.2014.
Introduction of BDE to Probationary Officers / Mana gers / Senior Managers (HO Cir
478/2014):
Our organization has demanded & achieved the facili ty of reimbursement of Business
Development Expenses to the Direct Recruit Probatio nary Officers during their
probationary period also as under:
JMG Scale I
MMG Scale II
MMG Scale III
= Rs 3000
= Rs 3500
= Rs 4000
Upward revision in BDE to Branch Heads (HO Cir 589/2014)
Because of the efforts of CBOA, the Business Develop ment Expenses to the Officer
employees in JMGS-I, MMGS-II and MMGS-III who are heading the Branches w.e.f
01.10.2014 hereunder:
JMG Scale I
MMG Scale II
MMG Scale III
= Rs 7000
= Rs 8000
= Rs 9000
7
Opening of more number of holiday homes by the Bank:
It is our custom to demand and achieve in every Joint Conference in the matter of
opening of holiday homes at all important centers. During 2013 - 2015 , holiday homes
were opened at Rameswaram, Srirangam, Shirdi, Visha kapatnam, Bhubaneshwar,
Kolkata & Varanasi
Opening of CBOA’s holiday home:
In addition to the CBOA’s holiday home at Chennai, the CBOA’s holiday homes have
been opened at Trivandrum and Kolkata.
Redesignation of Rural Officers:
The Rural Officers of our Bank are designated as Agr icultural Extension Officers. This
will enable them to get rich exposure of Semi Urban, Urban & Metro branch
experience instead of restricting their exposure to rural area only for ten long years.
Newspaper subscription during Probationary period:
The Direct Recruit Probationary Officers are eligible for getting reimbursement of 90%
newspaper subscription without any ceiling every mo nth even during probationary
period.
Removal of Basic Pay restriction for availing car loan under Conveyance scheme:
At present, the Officer employees whose basic pay is above Rs 31,705/- are only
eligible for availing Conveyance Loan for buying four wheeler at concessional rate of
interest. Our organization has demanded in the Joint Conference for removal of basic
pay restriction for availing car loan. The Management has agreed to examine the
same.
Providing transit quarters in all the cities:
Our organization has demanded in the Joint Conference to provide transit quarters in
all the cities where Circle Offices are situated. The Management has agreed to advise
the Circles to provide transit quarters wherever possible.
Assured Home state transfer after three years:
It is ensured by our organization every year that all the Officer employees are
transferred to their home state after completion of three years. Fair & transparent
transfer policy is prevailing in the Bank for the Officer employees.
8
Extending Cleaning expenses facility to all:
Our organization has demanded in the Joint Conference of extending the facility of
reimbursement of cleaning expenses to all the Officer employees. The Management
has agreed to examine the same.
Providing Laptops & Mobile sets to all Branch Heads:
Our organization has demanded in the Joint Conferen ce & achieved for providing
Laptops & Mobile sets to all Branch Heads.
Extension of mobile phone facility to Section heads/ Inspection/Marketing:
The Bank has acceded to the demand of CBOA and exte nded the mobile phone facility
to the Section Heads of Administrative Units, all the Inspecting Managers and the
entire workforce in Marketing Set up. It is CBOA’s endevour to get reimbursement of
mobile phone charges to all the Officers of the Bank in the days to come.
Allotment of surplus vacant bank owned quarters (HO Cir 82/2014):
Due to CBOA’s efforts, our Bank has started allotting surplus vacant bank owned
quarters to officers’ who are posted to other place s in order to facilitate them to
retain their family either for education or treatment purposes at the transferor place
Increase in Staff Meeting expenditure: (HO Cir 183/2014):
Expenditure permitted on staff meetings has been increased from Rs.10/- to Rs.20/per person per staff meeting w.e.f 01.04.2014.
Cleaning expenses to Personal lease quarters also (HO Cir 560/2014):
The facility of reimbursement of expenses incurred towards purchase of cleaning
materials as enumerated in HO Cir.No.128/2010 dated 07.04.2010 to the Officer
Employees who have been permitted to stay in quarters on personal lease basis also
Conversion of Marketing Officers on contract basis:
It is the CBOA converted all Marketing Officers on contract basis to permanent
officers of Canara Bank. It is an unprecedent in the Indian Banking Industry
Home State Transfers in 2015:
In response to our representation, the Bank has released the communication this year
in time permitting the Officers to opt for request transfers to Home State on
completion of 3 years till 04.08.2015
9
Revision in LFC Encashment amount:
In response to our request, the LFC encashment amount has been revised as
mentioned below on account of revision in Railway Fare:For Scale I / II / III
For Scale IV / V / VI / VII
Rs 8,720/- per person
Rs 17,400/- Per person
Revision in reimbursement of JAIIB/CAIIB exam fees:
The Bank has acceded to our demand and the reimbursement of JAIIB/CAIIB Exam
Fees (50%) and cost of study materials (100%) are revised as under:
JAIIB: Exam Fees – Rs.1349, Study Materials- Rs.1265 (Hindi), Rs.1095 (English)
CAIIB: Exam Fees – Rs.1517, Study Materials- Rs.1200- Rs.1350
The above will be reimbursed for those who pass the JAIIB / CAIIB examinations in
consecutive 2 attempts.
Accessing Cannet from home through internet (HO Cir 289/2015):
We have demanded for the facility of accessing Cannet & HRMS from home through
internet. Now, our Bank has permitted the Officer employees to access Cannet from
home through internet.
Publishing guide for promotion test:
It is the CBOA, that has been publishing promotion guides for JMGScale I, MMG Scale
II and III promotion from Chennai at periodical intervals.
Conducting coaching classes for promotion:
Systematic classes/mock interview sessions at all the important centres all over India
for the benefit of members/non-member
10
Think Tank:
It is the CBOA formed theTHINK TANK a structured body for the youth to suggest
innovative ideas to brave the emerging challenges.
Youth Conclaves:
It is the CBOA conducting YOUTH CONCLAVES in order to give due share in the
governance of the ASSOCIATION.
CANPAL:
Canpal, a voluntary forum has been started by CBOA to involve the serving & retired
officers for the development of the bank in all the parameters.
CBOA’s GENEROSITIES
In Dec 2013:Unprecedented rains wreak havoc in Uttarakhand. The death toll went up to 130.
Kedarnath was wiped out in flash floods. Our CBOA has donated Rs 5 lakhs to the
Chief Minister of Uttarakhand for the relief works.
In Jan 2015:The Jammu & Kashmir floods a “national level disast er” says the Prime Minister. The
toll in the J & K rains touched 160. 2600 villages affected. Our CBOA has extended
financial assistance to the tune of Rs 6 lakhs to t he affected Officer employees and
Workmen who are working at our branches in the State of Ja mmu & Kashmir towards
flood relief, which is an unprecedent in the Indian Banking industry.
Important websites
Canara Bank Officers’ Association
www.cboa.co.in
Light Circle
www.lightcircle.org
All India Bank Officers Confederation
www.aiboc.org
Canara Bank
www.canarabank.com
Reserve Bank of India
www.rbi.org.in
Indian Banks Association
www.iba.org.in
Ministry of Finance, Govt of India
www.finmin.nic.in
11
CANPAL
OBJECTIVE:
Dedicating ourselves to our beloved bank to excel in every business parameter as a
voluntary service to our bank.
MEMBERS:
Any officer of Canara bank retired as well as serving prepared to work towards the
objectives of CANPAL voluntarily.
ORGANIZATIONALSET UP:
Every village, town and city can organize their respective units named after CANPAL
with village name to be monitored and guided by the Central office of CANPAL
Chennai.
ACTIVITIES:
1.
Identifying potential resources among the members.
2.
Collecting and complying the date base consisting of businessmen, bureaucrats
and educationists etc., known to our work force who can contribute business to
the bank.
3.
Assisting the branches in designing branch specific strategies to approach the
business with objectivity, through analyzing data.
4.
Assisting branches in excelling in business through organizing visits and camps.
5.
Existing social assistance through activity specific task force to bail out the
branches facing temporary crisis related to inspection, documentation and legal
etc.,
6.
Organizing area specific educative camps on banking related subjects utilizing
the services of experts among CANPAL.
12
Phone : 044 28112454
Telefax : 044 28113151
ESTD 1974
CANARA BANK OFFICERS’ COOPERATIVE THRIFT AND CREDITSOCIETY LIMITED
No 216, Royapettah High Road, Royapettah, Chennai – 600 014
email: [email protected]
It is managed by Canara Bank Officers’ Association for the welfare of the Officers
community. The Society welcomes all the Officers of Canara Bank to be its member
and benefit from the profits earned through its ope rations. The only condition is that
the Officer should not be a member of any other Coop Thrift & Credit Society.
A DD for Rs 110/- in favour of the Society has to be sent (Rs 100/- towards
value of 10 shares @ Rs 10 each & Rs 10/- towards enrolment fee)
Thrift Contribution per month is Rs 400/- for an Officer.
Performance Highlights of the Society
1. Consitently securing coveted “A” Grade in inspection since inception in 1974.
2. Earning profit since beginning.
3. Declaring Dividend every year since inception.
4. No borrowing from Apex Bank, thus lending at lowestrate.
5. Instant sanction of loan.
6. Interest on Thrift Deposit @ 7% p.a.
7. Dividend on Share capital @ 10% p.a.
8. Family Welfare Assistance – Rs 50,000/- (on death).
9. Air conditioned Guest Room facility for the membersat low tariff.
10. A token of gesture up to Rs 5000/- will be given to the member who is withdrawing
his membership after his superannuation.
Various loan Schemes (Eligible on confirmation):
scheme
Loan amount
Rate of Interest Repayment
Surety Loan
Rs 2,50,000/10% p.a.
90 months
Deposit Loan
90% of deposit
9% p.a.
60 months
Gold loan
Festival Loan
Vehicle Loan
Rs 1,00,000/Rs 25,000/Rs 50,000/-
9.5% p.a.
10% p.a.
24 months
25 months
48 months
Renewal
Once in 6
months
Once in 6
months
Are you interested to become a member of our Thrift Society?
If yes, please log on to our website www.cboa.co.in & download the Membership
Application Form, enroll as a member and enjoy the facilities.
13
Entitlements for P
Probationary
robationary Officers
Scale of Pay
Automatic Movement
& Stagnation
increment
23700
980
7
30560
1145
2
32850
1310
7
42020
Officers in Scale-I, 1 year after reaching the maximum
in their respective scale, shall be granted further
increments including stagnation increment(s) in the next
higher scale subject to their crossing the efficiency bar
as per guidelines of the Government.
The Stagnation increments are payable on completion
of 3 years after reaching the maximum in Scale - II
Max 4 stagnation increments
Annual Increment
Increment accrues on an annual basis and shall be g ranted on
the first day of the month in which the anniversary date (Date
of Joining) falls due
Probation
Two years.
Confirmation test will be there
Special Allowance
7.75% of Basic Pay + applicable DA thereon
Dearness Allowance
DA payable is linked to Consumer Price Index
0.10% per slab over 4440 points (1 slab = 4 points)
DA is revised on 1st Feb, May, Aug & Nov
Incentive / Increment for passing JAIIB & CAIIB
Passing JAIIB / CAIIB
One additional incrementfor passing JAIIB examination and
one additional incrementfor passing CAIIB examination are
being granted in the scale of pay to the Officer Employees from
the date of declaration of results.
The employees successfully complete JAIIB / CAIIB
examinations within two consecutive attempts, shall be eligible
for reimbursement of 50 % examination fee and also cost of
study kit.
House Rent Allowance
House Rent Allowance
Major Cities
9.00% of Pay
Area I
8.00% of Pay
Other Places
7.00% of Pay
Minimum HRA on declaration basis
150% HRA is payable on production of Rent Receipt
150% HRA is payable on capital cost basis for occupation
of own house
14
P Os are eligible for Festival Advance & other loan facilities (except
Two wheeler Loan) after confirmation.
Festival Advance
Cleaning
Expenses
Eligible amount of Festival Advance is Rs 30,000/- or one month
gross salary excluding HRA & CCA whichever is less f or those who
joined after 6.12.1990
·
It is being reimbursed every month to the Officer employees
residing in Bank owned quarters / Bank Leased quarters
Personal leased quarters
·
The cleaning expenses limit for Scale I is Rs 300/- per month
Conveyance
during prob period
whether owning
vehicle or not
Scale
III
II
I
Metro
Rs 1200
Rs 1100
Rs 1000
Area II
Rs 1000
Rs 900
Rs 800
Lodging w.e.f. 01.03.2008
Major
Area I
2400
1600
1600
1200
Scale II & III
Scale I
Lodging
Expenses &
Halting
allowances
Area I
Rs 1200
Rs 1100
Rs 1000
Area III
Rs 1000
Rs 900
Rs 800
Others
1200
800
Scale-I,II,III
Halting Allowance w.e.f. 1.6.2015
Delhi, Mumbai, Kolkata, Chennai
1300
Other Major Cities
1100
Area I
950
Other Places
800
Major Cities:
Delhi, Mumbai, Kolkata, Chennai, Bangalore,
Hyderabad / Secunderabad & Ahmedabad
Area I cities:
Agra, Bhopal, Coimbatore, Indore, Jaipur, Kanpur,
Kochi, Lucknow, Ludhiana, Madurai, Nagpur, Patna,
Pune, Surat, Visakhapatnam, Vadodara and Varanasi
N.B: Declaration to be given in HRMS package while claiming
Boarding Expenses
15
REGULATION 20(1):
Statement of Assets & Liabilities has to be submitted at the time of
first appointment.
REGULATION 20(2):
Return of Movable, Immovable & Valuable Property has to be
submitted every year as on 31st March of that year to the bank
before the 30th day of June of that year.
REGULATION 20(3):
Property Return
Transaction (lease, mortgage, purchase, sale, gift or otherwise)
concerning immovable property either in his/her own name or in
the name of any member of his/her family has to be reported
immediately.
REGULATION 20(4):
Transaction concerning movable/valuable property exceeding
Rs .25,000/- has to be reported within 30 days
The previous sanction of the competent authority shall be obtained
if any such transaction is –
a) with a person having official dealings with the officer employee
or
b) otherwise that through a regular or reputed dealer
All the above reportings are to be made in HRMS package.
Officers are being governed by the provisions of the following
Regulations:
Regulations
1. Canara Bank (Officers’) Service Regulations, 1979
2. Canara Bank Officer Employees’ (Conduct) Regulation s,
1976
3. Canara Bank Officer Employees’ (Discipline & Appeal)
Regulations, 1976
Please refer our Cannet >> HRD >> Regulations for the
provisions in respect of the above.
16
Eligible after 2 years of service
Limit = Rs 50.00 Lacs
Rate of Interest = 8% p.a. simple
Margin = 10%
Housing Loan
Net Take Home = 25% gross salary
Repayment = 30 years
Land cost= 40% of limit
Continuation of liability after retirement upto 75 years of age
Eligible immediately on joining the Bank
Two Wheeler
Loan
Limit = Rs 60,000
Margin= 10%; Net Take Home = 40% Gross salary
Repayment= 84 months
Eligible after 6 months of service
Limit: No ceiling
Car Loan
Margin: 20%; Net Take Home = 40% Gross salary
Repayment: 180 months
(Both Two wheeler Loan & Car Loan can be availed)
Eligible after 3 years of service
Limit for Scale I Officer= Rs 5.00 lacs
Clean DPN Loan
Rate of Interest = 9% compounded monthly
Repayment= 10 years
Net Take Home = 40% Gross salary
Beautiful saying ---Mobile has taught us three things ....Whatever makes you happy -save it.....Whatever makes others happy -- forward it.....Whatever will make no one
happy -- Delete it..
17
Probationary Officers are eligible for the following facilities during probationary
period:Eligible for Business Development Expenses during p robationary period
Scale I: Rs 3,000;
Scale II: Rs 3,500;
Scale III: Rs 4,000
Eligible for Packing expenses up to Rs 2,000 at the time of shifting belongings
on transfers during probationary period.
New Furniture facility on permanent posting
Newspaper subscription (upto 90%)
Personal leased Quarters / Lodging/ Hotel / PG accommodation
Cleaning allowance for the Bank Owned / Leased / Personal Leased quarters
Medical Aid & Hospitalisation Expenses
Cashless Facility at Reputed Hospitals
Facilities under Staff Welfare Measures
LFC & PL Encashment after 11 months
LFC & Medical facility to the eligible dependents
Lump sum Conveyance expenses at enhanced rate till confirmation
Lodging & Halting Allowance for outstation duty
Eligible to stay in Holiday Home
Tax benefits for the contribution towards New Pensi on System
Half yearly closing Allowance
Split Duty Allowance
Hill & Fuel allowance depending upon the placement
Project Area Allowance depending upon the placement
Two wheeler loan immediately on joining the Bank
Car loan after 6 months
Housing Loan immediately on confirmation i.e. after two years
Festival Advance on confirmation (Limit Rs 30,000)
Clean DPN Loan after 3 years
"When You Rise In Life,
Your Friends Know Who You Are !"
"When You Fall Down,
You Know Who Are Your Friends."
18
1906
Bank begins on 1st July as the Canara Hindu Permanent Fund Ltd, at 75 A,
Dongerkery Street, Mangalore. Sri Ammembal Subba Rao Pai appointed
President of the Fund
1907
The Profit & Loss Account shows a net Profit of Rs.2420/-(for first 9 months)
1909
Sri Ammembal Subba Rao Pai (the bank’s Founder) passes away on 25 July
The Canara Hindu Permanent Fund Ltd, reconstituted and renamed as ‘The Canara
Bank Ltd’
Deposits reach the rupee crore mark
1910
1942
Bank’s new Administrative Office building at 112, J C Road, Bangalore
inaugurated by Sri Jayachamarajendra Wodeyar, Maharaja of Mysore
Fourteen major banks in the country, including Canara Bank, nationalized
on 19 July
1963
1969
1970
1977
2005-06
2005-06
2008-09
2009-10
2010-11
2012-13
2013-14
2014-15
The Canara Bank Officers’ Association recognized
Aggregate deposits crossed the Rs.1,000 crore mark
Core Banking solution rolled out at Frazer Town branch, Bangalore on 20.3.2006
Bank crossed the Rs.2,00,000 crore mark in global business
Bank crossed the Rs.3,00,000 crore mark in global business
Bank crossed the Rs.4,00,000 crore mark in global business
Bank crossed the Rs.5,00,000 crore mark in global business
Bank crossed the Rs.6,00,000 crore mark in global business
Bank crossed the Rs.7,00,000 crore mark in global business
Bank crossed the Rs.8,00,000 crore mark in global business
SEVERAL MEMORABLE MILESTONES
a. In June 2006, the Bank completed a century of operation in the Indian banking
industry.
b. One among the Top 500 Banks at the international level.
c. A Premier position in the comity of Indian banks.
d. Our Bank has several firsts to its credit.
These include:
Unbroken record of profits since its inception
Continuous payment of dividend to the Govt of India since nationalization
Articulation of ‘Good Banking’ – Bank’s Citizen Charter
Commissioning of Exclusive Mahila Banking Branch
Launching of Exclusive Subsidiary for IT Consultancy
Issuing credit card for farmers
Providing Agricultural Consultancy Services
19
Our great Founder
"A good bank is not only the financial heart of thecommunity, but also
one with an obligation of helping in every possiblemanner to improve
the economic conditions of the common people"
- - Late Sri Ammembal Subbarao Pai
Born on 19 November 1852, at Mulky near Mangalore, Sri Ammembal
Subba Rao Pai underwent early schooling at Government High School, Mangalore, and
it was the early demise of his mother that is believed to have profoundly influenced
him to take to studies seriously.
After passing his F.A Examination, his father sent him to Madras to take up higher
studies. Following his graduation from the Presidency College, he joined the Madras
Law College. Here he came into contact with Justice Holloway, whose remarkable
personality proved to be a rewarding experience to him.
In 1876, following the demise of his father, he returned to Mangalore and successfully
practiced Law. It is said that he often attempted to persuade amicable out of court
settlements for his clients, although this sometimes cost him his fee. In 1891 four
teachers, whom he had met in Madras, approached him with a proposal to start a
school in Mangalore.
Shortly thereafter in 1894, with a view to encouraging the education of girls he
started the Canara Girls High School, indeed an evolutionary step considering the
prevalent values and attitude of the people towards women’s education at that time.
Concerned about the high interest rates being charg ed by money lenders to the poor
people of South Canara, Pai founded the Canara Hindu Permanent Fund Ltd (now
Canara Bank) on 1 July 1906, not longer after the for mation of Corporation Bank in
the same area.
Among his important contributions to the GSB community was the setting up of the
“Poor Boys's Education Fund” under the aegis of Goud Saraswat Brahmin Parishad of
which he was one of the founders. Throughout his li fe, Sri Ammembal Subba Rao Pai
suffered from severe gout, an affliction to which he finally succumbed on 25 July
1909.
Our Bank's founding principles: "A good bank is not only the financial heart of the
community, but also one with an obligation of helpin g in every possible manner to
improve the economic conditions of the common people"
20
INDEX OF IMPORTANT CIRCULARS
SUBJECT
FOR OFFICERS
HO CIRCULAR
FOR WORKMEN
HO CIRCULAR
Salary & Allowances – 10th Bipartite Settlement
Joint Note
342/2015
323/2015
Salary & Allowances – 9th Bipartite Settlement
Joint Note
211/2010
190/2010
1/04, 170/2005
211/2010, 342/2015
356/2006
211/2010,342/2015
193/10,
211/10,342/15
155/1990,151/2005
190/2010, 323/2015
48/1997,162/2005
194/2010,323/2015
Leave Rules
160/1984, 342/2015
499/1985, 323/2015
Halting Allowance
211/2010, 342/2015
190/2010
TA Rules
LFC Rules
Medical Aid & Hospitalisation Expenses
193/10,323/2015
Lodging Expenses to Officers
68/2008
--
Travel by own car by Officers
348/2011
--
Travel by taxi by Officers
HRA
Rental Ceiling to the Quarters of Officers
Memo 78/2011
--
356/90,211/10,342/15
190/2010,323/2015
340/2015
Business Development Expenses
--
177/08,478/14,589/14
--
201/04,96/12
386/2013
Car Scheme for branches
271/2012
--
Membership of Clubs
338/1989
--
Permission to operate from nearby place
269/2003
--
Resignation / Voluntary Retirement
343/93,12/11,13/ 11
114/96
Conveyance Loan Scheme to Officers
26/91 & 51/1992
--
LDGM 1/98
--
Computer Literacy
93/2004
93/2004
Reversion (Disability etc)
62/2008
135/1995
72/2012, 267/2013
--
21/2011
--
Cleaning expenses
128/2010, 560/2014
--
Newspaper subscription
196/88, 1/02,325/11
265/04,161/10,325/11
New Furniture Scheme
303/13,609/13,467/14
Conveyance
Transfer Policy for Officers
Policy on Staff Accountability
Revenue Powers
21
Promotion Policy
Memo 24/2015, 25/15
Employees Housing Loan
Memo 19/2015
270/13,59/14,561/14,230/2015
Special vehicle loan scheme during probationary period
Granting of Milestone Award
434/2013
60/90, 133/1990, 130/2000, 247/2011
Festival Advance
245/2003, 31/2011
Sabbatical Leave
20/2000, 235/2000, 77/2006,157/2012
Compassionate appointment & Lumpsum Exgratia
143/2015
Incentive Scheme for Computer Education
85/1997
Incentive Scheme for Higher Education
311/2006
Canteen Subsidy
264/2012
Pension Scheme
174/1994, 309/1995, 12/2011, 13/2011
New Pension Scheme
88/12, 471/13
Car Loan to Workmen & Officers
175/03, 159/04, 78/05, 205/2005,571/2014
Housing Loan to retired employees of the Bank
358/2015
Conveyanceto OH, Blind, deaf @ Rs 400 pm
96/2009 (Bo x), 349/2014
Press coverage on Canpal activity held on 03.08.2015
at Sabarmati Ashram in Ahmedabad
22
23
th
12 September – Day of CANPAL
The first Saturday holiday on 12.09.2015 has been celebrated by each and every
member of CBOA by conducting social activity throughout the country in a grand
manner under the banner 'CANPAL' as per the guidance of our beloved
General Secretary Sri G V Manimaran.
th
It is decided to observe 12 September as 'CANPAL DAY' every year
Jalandhar
Patna
Donating ration for 55 war
widows and needy families
Donati ng Submersible
Pump & W ater Tank to
a Govt. School in P atna
Planting of Saplings
Chennai
Bangalore
Madurai
Blood Donation Camp
Shimoga
Mangalore
Coimbatore
Helping the Poor
Raipur
Mumbai
Jaipur
Dehradun
Health Service
Hyderabad
Calicut
Sri Rakesh Sharma, MD & CEO
launched Mudra Rupay Debit Card on
18.09.2015 at HO. Sri T N Manoharan,
Chairman, Sri PS Rawat, ED &
Sri G V Manimaran, our G S & Officer
Director handed over the cards to the
beneficiaries.
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21
The Canara Bank Officers' Association (Regd.)
Madurai Region