1. India Post Products & Services

2. Mail services Premium Products Financial services Retail services
Classification
Mail services
Premium Products
Financial services
Retail services
Philately

3. Mail Services

4. Types of Mail articles (Letters & Parcels)1
Letters 6
Book packet containing periodicals 2
Letter card 7
Sample & pattern packets 3
Post card 8
Blind literature 4
Book packet 9
Registered newspaper 5
Book packet containing Printed books 10
Parcel
First 9 come under Letter category & 10th under Parcel category

5. Types of Basic Mail Service
S. NO.
SERVICES 1
UNREGISTERED ARTICLES
LETTERS- DOMESTIC & FOREIGN
B. PARCEL - DOMESTIC UPTO 4 KGS WT.
- NOT FOR FOREIGN PARCELS 2
REGISTERED ARTICLES
A-FOR LETTER MAILS - DOMESTIC & FOREIGN (Domestic Rates for NEPAL & BHUTAN)
B- FOR PARCEL MAILS- REGISTRATION SERVICE IS AVAILABLE FOR DOMESTIC PARCELS & FOREIGN PARCELS

6. Inland Mail There are 10 classes of articles First Class Mail
Letters
Inland Letter Cards (ILC)
Post Cards
Second Class Mail
Book Packets
Sample and Pattern Packets
Book Packets containing Printed Books
Book Packets containing Periodicals
Registered News Paper
Blind Literature Packets
Parcels

7. Classes of Mail First Class Mails Second Class Mails
Letters, Letter Cards and Post Cards
Free Air transmission wherever possible and advantageous
Second Class Mails
Other remaining articles
No free air transmission
Sender has to pay Air surcharge in addition to normal postage, if the article is to be sent by Air
Air surcharge (if airlift is required)
Up to 50 grams Rs.2
Additional 50 grams or part Re.1
Note :

8. Modes of payment of postage
By affixing stamps
Postage Stamps
Service Stamps
Postage paid in the form of Franking impression
Departmental Franking Machine
Private Franking Machine
Postage paid in cash
CO has to give licence
License to post Without Prepayment of Postage (WPP)
Only for RNP
RO/CO has to give license

9. Registration More secured Accountable
Deliverable to Addressee/Authorised Agents only under acquittance
Tracking facility available
Acknowledgement facility

10. Insurance Covers all risk in course of transmission
In case of loss department pays compensation subject to certain conditions
Accountable
More secured
Tracking facility

11. Value Payable
System helps traders to recover the cost of goods supplied to their customers
Money collected sent to the sender through VP Money Order

12. eVP system eVP system is a new service Helps in e-commerce
Sender has to register for the service
Data of eVP articles flows in electronic format
Fast payment of amount to sender for articles delivered
Payment on articles delivered made to sender on receipt of data from delivery office, at booking office
MIS is available to all concerned

13. World Net Express (WNX)
Unique International Express Delivery Service
Collaboration with Deutsche Post World Net (DPWN)
Documents & Parcels can be sent on courier mode
Service presently available in selected Post Offices
Maximum transit time of 4 days
Track & Trace facility &
SMS Tracking is also available

14. Maximum Specifications for WNX
Shipment weight upto 250 Kg (Per piece 32 Kg)
Gifts – Rs & Samples – Rs permitted
Max dimension 118 cm (L), 88 cm (W) & 120 cm (H)
WNX Boxes available for parcels (non documents)
(1 KG, 3 KG, 5 KG, 7 KG, 9 KG & 20 KG)

15. Flat Rate Boxes

16. Flat Rate Boxes -Salient feature
Parcels can be sent safely through standardised packing
Charges will be based on weight of the packet and not on the distance
1 KG, 2.5 KG & 5 KG boxes are available at Selected POs
Postage will be paid at the time of purchase of carton box
It also contains customs declaration form
Preprinted barcodes available as per UPU standard

17. Flat Rate Box Tariff : INTERNATIONAL DOMESTIC Sl Description of box
Rate per Box 1
Contents up to 1 KG
Rs.1000 2
Contents up to 2.5 KG
Rs.1500 3
Contents up to 5 KG
Rs.2500
DOMESTIC
Box Size
Dimension
(in mm)
Weight
( in KG)
Tariff
(in Rs.)
Small – S
250 X 50 X 300
0 to 1
125
Medium - M
250 X 100 X 300
Above 1 to 2.5
200
Large – L
300 X 250 X 200
Above 2.5 to 5
400

18. Practice
Exercise 1.7.1

19. Premium Products

20. Types of Premium Products
Speed Post
Business Post
Express Parcel/Business Parcel Post
Media Post
Greetings Post
Logistics Post

21. Speed Post features Fast, Time bound, assured delivery
Letters and documents up to 35 kg
Track & trace system
BNPL
free pick up

22. Business post One stop solution
Bulk customers, Banks, corporate offices
Pre mailing activity
Collection of mails from the premises
Inserting/Enveloping
Gumming
Labeling
Addressing
Franking
Mumbai Business Post

23. Charges for premailing activities
Operation
ordinary
Regd
Collection
0.20
0.30
Folding before insertion
0.40
Insertion
0.10
Gumming
0.03
Franking
Manual addressing
Sealing
Pasting preprinted labels gummed
0.02

24. Business parcel It is a contractual service
Minimum weight 2Kg and maximum weight 35Kg.
Surface transmission facility available
Door to door delivery available.

25. Business parcel
Advance deposit facility and credit facility available.
Cash on delivery facility available up to Rs /
insurance of Cash on Delivery articles shall not be compulsory irrespective of amount of recovery from addressee;
Corporate customers are given free pickup service

26. Business parcel Insurance is optional No redirection facility
Article can be booked in any office
Articles will be delivered at the doorstep

27. Express parcel
This facility available for both retail and corporate customers.
Minimum weight is 0.5 kg and maximum weight for retail 20kg and corporate 35kg.
Free pickup facility is available
Door delivery available irrespective of weight

28. Express parcel No redirection facility available
Can be returned to sender
Insurance is optional
COD facility available and limit 5000/ for retail and 50000/ for corporate customer
Insurance is not compulsory irrespective of value

29. Express parcel Article will be delivered in specified locations
For corporate customer postage payment available through advance deposit, credit facility and payment at the time of booking

30. Comparison between BP & EP
Business Parcel
Express Parcel
Available for contractual customer
Transmission through surface
Min. chargeable weight 2 KGs
Max Wt – 30 Kgs
Nation Wide coverage
Available for both retail as well as Corporate customer
Transmitted through Air
Min. chargeable weight 0.5 KG
Max Wt
For retail – 20 Kgs
Corporate-35 Kgs
Limited Net work coverage

31. Cash on Delivery
Cash on Delivery facility is available for Express Parcel, Business Parcel and Speed Post customers
Conditions for COD
Customer is a contractual customer and has agreement with the Department for transmission Cash on Delivery articles
Amount specified for recovery from addressee in the case of any such postal article shall not exceed fifty thousand rupees (Rs. 50,000/-) and shall not include a fraction of rupee
Such articles do not contain coupons, tickets, certificates or introductions designed for the sale of goods on what is known as the “Snowball System”

32. Cash on Delivery
Insurance of Cash on Delivery articles is not compulsory
Amount, recovered from addressee on delivery is remitted to the sender through e Payment
In addition to postage , the sender has to pay an additional fee on delivery of COD article
Amount to be recovered from addressee
Schedule of fee
Upto Rs.5,000/-
2% of the amount recovered or Rs. 50/- whichever is more
Above Rs.5,000/-
Rs. 100/- + 1% of amount exceeding Rs. 5,000/-

33. Media Post Advertisements on Postal stationery
-Post cards, Pass books, Inland Letter cards, Letters, Aerogramme
Letter boxes
Mail vans ( Revised vide letter dt )
outside and inside the Post offices (decentralized vide letter dt

34. Charge Single colour Paise/piece
Media Post rates
Medium
Space (cms)
Charge Single colour Paise/piece
Charge multi colour
Paise/ piece
Minimum quantity
lakhs
Postcards
3 x 2.25 10 20
ILC
9 x 2.25 15 30
10 (S/C)
05 (M/C)
Aerogramme
5.5 x 4.25  40
MOForms
2 x 4.25
POSB PB
9 x 2.25  5
Envolope
9 X 2.25
9 X 4.5 60
Comp.Pass Book
9 X 12
Rs 3.00
Rs 4.00
5000
Pay in slips
Above 25
10000 per occasion

35. Greeting Post Range of delightful cards Prepaid Postage envelopes
Envelope contains multi coloured embossed stamps (miniature replica of the card)
56 designs are available
Small size Rs. 14
Large size Rs.17

36. Logistics Post Large volume of parcels Minimum chargeable weight 50 kg
Insurance is optional
Warehousing facility
Minimum charge for(delivery & pick up) consignment is Rs plus docket charge Rs 100

37. Logistics Post cont’d Loading & unloading charge Tariff based on
free upto 500 kg
Above 500 kg Rs 1000 per ton
Tariff based on
Weight & volume
Volume 10 cubic feet or part = 50 kg
Additional cubit feet or part = 5 kg
Octroi/Toll tax,storage,demurrage fee are extra

38. Retail Services
Bill mail
Direct Post
Retail Post
e-Payment

39. Bill Mail Service Financial statement, bills Once in 90 days
Minimum 5000
Delivery within district
Advertisement allowed not exclusive publicity
Up to 50 gm-3.00
Additional 50 gm 2.00

40. National Bill mail service
Financial statement, bills
Minimum 10000
Up to 50 gm- 5.00
Additional 50 gm 2.00
No credit
Fully sorted pin code, delivery PO wise bundle
Airlifted
Sent through speed post (on request at extra cost as for SP)

41. Direct Post Unaddressed articles Size should be of A3 size paper
Minimum 1000
Accepted in DPCs
Delivered in the area specified by the sender
Tariff: 20 gm local 1.50 intercity Rs 2.00
Additional 20 gm Rs 1.00 for both
Discount 5% over 50000

42. Retail Post Pension payment
Sale of application forms- university forms etc.,
bills collection-TRC, Electricity, water bills
Railway Passenger reservation system

43. e-Payment Many to one service-
Electronically consolidate the bill payment
PO collects bill payment for BSNL ,Airtel etc
Issue receipt and account
Update the data in to central server
Consolidate the account electronically and pay to biller at his convenient point
MIS accessible to the biller through e web interface
Biller downloads the collection details
Biller can also upload the bills to the customer for payment at post office

44. e Payment Helps collection of utility bills for a biller
Billers can be at various levels – divisional, regional, circle, all India
Transfers data electronically from booking Post Offices to office of payment
Collection of bills through Point of Sale and payment to biller is through treasury module
Data of bills collected passed on to central server subject to certain conditions
MIS of all transactions available for monitoring; billers can also be given access to MIS site for extracting biller specific MIS
A secure network is in place to ensure safe transmission of data and to immediately arrest attempts to manipulate
RMFS and NPS transactions also handled

45. e POST Useful even for those who do not have internet facility
e Messages can be sent and received
Text & Scanned Messages
One to one / One to Many
Two types
Retail For A4 Rs.10
Corporate Rs.6
Credit facility for corporate customer
Prepaid cards available
e Messages will be deliverable either at address of the addressee or on his/her e Mail

46. Practice
Exercise 1.7.2

47. Financial Services

48. Types of Financial Services
Post Office Savings Schemes
Postal Life Insurance/Rural Postal life Insurance
Money Remittance Service
Money Orders (MO/eMO)
Instant Money Order (iMO)
Mobile Money Transfer (MMT)
International Money Transfer (IMT)
Money Gram – Money Transfer
Wester Union money transfer
MO Videsh
IFS MO
Electronic Clearance Service
Indian Postal Order
Mutual Funds

49. Post office Savings schemes
Accounts
SB, RD, TD, MIS, SCS, PPF
Certificates
NSC 5 yr VIII issue and 10 year IX issue

50. Savings Account Opened through Cash Only
Minimum Initial Deposit Rs.20 Minimum balance: Rs. 50/- Max : No limit
Cheque facility
4% P.A.
Individual/Joint
Nomination Facility

51. Recurring Deposit Account
Period 5 years
Fixed Monthly Deposits (Denomination)
Min : Rs Max : No Limit
Nomination Facility
Withdrawal Facility (only one)
Can be continued after 5 years
Rebate for advance deposits
Rate of Interest 8.40%
For Rs.10 Denomination, Maturity value is Rs

52. Time Deposit Account Minimum Rs.200
Only one Deposit in multiples of Rs.200
Maximum – No Limit
Interest calculated quarterly - Paid Annually
1 year %
2 years %
3 years %
5 years %

53. Monthly Income Scheme Min – Rs.1500 or in multiples of Rs.1500 Max –
Single Lakhs
Joint – 9 Lakhs
Nomination Facility
Monthly Interest Payable
Maturity – 5 Years
Interest – 8.40% P.A.
Post dated cheque/Automatic Transfer to SB A/c

54. 15 Year Public Provident Fund A/c
Min Rs.500 Max : Rs Financial year
Deposits can be made in lump sum or in 12 Installments
Interest – 8.70% P.A.
Income tax benefits
Tax free Interest
Subscription is eligible for deduction under Sec 80 C
Loan Facility
Withdrawal Facility
Can be continued for a block of 5 years

55. Senior Citizen Savings Scheme
Period – 5 years
Min Deposit – Rs.1000 Max: Rs.15 Lakhs
Age – 60 Yrs & above (55 yrs with conditions)
% p.a. payable quarterly
Nomination facility
Can be continued for 3 more years
Joint only with Spouse

56. 5 year NSC VIII Issue Denominations Maturity Period – 5 Years
Rs.100, Rs.500, Rs.1000, Rs & Rs.10000
Maturity Period – 5 Years
Nomination Facility
No Limit for purchase
Income tax benefits
Can be pledged as security
Maturity Value – For Rs Dn – Rs
Premature Encashment – Condition Apply

57. 10 year NSC IX Issue
New series of certificates introduced from
Denominations
Rs.100, Rs.500, Rs.1000, Rs & Rs.10000
Maturity Period – 10 Years
Nomination Facility
No Limit for purchase
Income tax benefits
Can be pledged as security
Maturity Value – For Rs.100 Dn – Rs
Premature Encashment – Condition Apply

58. Postal Life Insurance Insurance scheme by the Central Government
Low Premium High Bonus
Eligibility
Central Government
Defence Services
Para Military forces
State Government
Local Bodies
Government-aided Educational Institutions
Reserve Bank of India
Public Sector Undertakings
Financial Institutions
Nationalized Banks
Autonomous Bodies
Extra Departmental Agents in Department of Posts

59. Postal Life Insurance
The following are also now eligible to take policy under PLI
employees engaged/appointed on contract basis by Central/State Governments,
employees of joint ventures in which Central/State Governments/public sector undertakings/Nationalised banks have minimum holding of 10%
members/employees of Credit Cooperative societies and other cooperative societies registered with Government under the cooperative acts and partly funded from Central/State governments/RBI/SBI/Nationalised Banks/NABARD
Employees of deemed universities and educational institutes accredited by recognised bodies such as NAAC, AICTE, MCI etc., and/or affliated to Universities/boards, etc
Employees of all scheduled commercial banks
other such institutions notified by the Government

60. Plans available Endowment Assurance (Santhosh)
Whole life Assurance (Suraksha)
Convertible Whole Life Assurance (Suvidha)
Anticipated Endowment Assurance (Sumangal)
Joint Life Assurance (Yugal Suraksha )
Children Policy

61. Rural Postal Life Insurance
Scheme provides insurance cover to the rural public in general and benefit weaker sections and women workers of rural areas

62. Plans Available in RPLI
Whole life Assurance (Gram Suraksha)
Endowment Assurance (Gram Santhosh)
Convertible Whole Life Assurance (Gram Suvidha)
Anticipated Endowment Assurance (Gram Sumangal)
Gram Priya (10 Year RPLI)
Children Policy

63. Money remittance services
Money Order
Electronic Money Order
Instant Money Order
Mobile Money Transfer
International Money Transfer Service
MO Videsh
Money gram International Money Transfer
Western Union money transfer
IFS
Electronic Clearance Services (ECS)

64. eMO Transmission of money through electronic media
Connectivity through WAN wide area network or broadband internet
Unique PNR number for tracking
Intimation of payment to remitter from booking office

65. eMO
Essentially a mode of transmission – electronic through WAN for expeditious payment
Secure channel
Booking is done in Point of sale and payment through Postman module
eMO application used to authorise and print eMOs and perform allied transactions
eMO communication module (eMO client) exchanges data with central server
Facilities like one-to-many and many-to-one are added features
MIS reports of various categories for effective monitoring and tracking facility

66. Instant money order Speedy ,mobility, safety reliability
Instant web based
Minimum Rs 1000
Maximum Rs 50,000
To remit payment-(TRP-1) to send money
16 digit code
To make payment (TMP-1) for payment
Personal identity proof
Cash up to Rs 50,000

67. iMO tariff
Amount
Commission
100
110
120

68. Mobile Money Transfer Offered by India Post in collaboration with BSNL
BSNL provides special handset to each identified PO
Technology partner for BSNL is Maverick Mobile solutions
Mobile based money transfer through secure channel
Individual remittances – min 1000 maximum 10000
Acceptance and payment through identified Post Offices

69. Commission Structure
Amount
(in Rupees)
Fee
Tax 40 5 70 9
100 12

70. International remittances
Service utilising the UPU/Eurogiro or Western Union financial services or moneygram
Both outward and inward remittances for personal needs under various services
Quick remittance process
Payment is made in Indian rupee
Service is targeted to NRI dependents and foreign tourists visiting India

71. MO Videsh
Outward remittance to foreign countries using the eurogiro platform
Remittances subject to RBI regulations
Minimum of 100 USD and max 5000 USD per transaction
Only personal remittances for specific purposes
This service is not available in POs on Saturdays & Sundays
Maximum of 30 remittances permitted in a year

72. IFS MO
Secure international financial system(IFS of UPU) used for money transfer
Currently only inward remittances from France and UAE are available
Two types of remittances – Urgent and normal
All eMO offices authorised to transact
Urgent IFS MOs can be paid at any office; Ordinary only through concerned delivery PO
Payment up to Rs at residence through eMO
Above upto at PO in cash
Above at PO through cheque

73. WUMT/Moneygram services
Western union money transfer
IndiaPost works as agent to offer this service
Only inward personal remittances
max per remittance USD 2500
Moneygram international remittance
Offered in partnership with Moneygram international inc USA through select POs
Only inward remittances for family maintenance and favouring foreign tourists

74. Forex services Provided by India Post in partnership with HDFC bank
Facility available in select Post Offices
Services offered
Service
Scope
Foreign currency notes (FCN)
Buying and selling
Travellers Cheques (TC)
Store Value card (SVC)
Selling
Arrangement for Demand Drafts (DD)
Arrangement for Telegraphic/ wire transfers (TT/ WT)

75. New financial services
MGNREGA
NPS

76. MGNREGA
Account can be opened with zero balance (now categorised as Basic savings account)
Non-transferable and non conversion
No cheque facility
Deposits other than wage credits also allowed
Separate block numbers
Single account for a family
Joint A only-Husband/wife
Nomination facility available

77. MGNREGA cont’d Job card number, date of issue be noted on SB-3
Will not be treated as silent
Normal procedure in case of claims
If the name is deleted in the job card account to be closed with in 30 days
Interest payment-normal procedure

78. National Pension System(NPS)
Any citizen of India age between can join
Should comply with KYC norms
Two types of accounts
Tier I
A Non- withdrawal account
the Subscriber shall contribute savings for building a retirement corpus. This is mandatory.
Tier II
A voluntary savings facility
provides liquidity to subscribers,
Withdrawal is allowed

79. Practice
Exercise 1.7.3
Progress Test 1