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3. No entry was being made in the PPO regarding pension paid to the pensioner
which was the mandatory provision of the Public Sector Bank Scheme
notified by the Government.
4. All the cases of over/under payments caused a lot of harassment to pensioners.
Recoveries were not affected by banks. If recoveries were made, accounting
of recoveries was not being done. Sometimes banks affected recoveries by
way of short drawls. Recovered amount by this method remained unaccounted
in almost all the cases.
5. In the case of pensioners who served during Punjab time, some portion of
pensionary liability is allocated to the Punjab. Such allocations are reimbursed
by Punjab. Banks in most of the cases unaware of accounting procedure kept
whole amount in HP allocation. Thus, the State Government incurred
recurring losses on account of wrong allocation.
6. There was no uniformity in the system of pension payment as there were three
systems of pension disbursement in state. It was not possible to compile any
information and retrieval of data was almost impossible.
7. Pensioners had a lot of grievances and banks were not in a position to redress
grievances due to lack of knowledge of pension rules. Redressal was time
consuming and tedious as pension records were with banks.
THE COMPUTERISED SYSTEM : e-Pension
In order to remove all the problems mentioned above pension
disbursement was computerized through the e-pension system. The pilot run
of the system was done successfully in one of the twelve districts of the state.
In 2006 , complete rollout of the system was done. Major features of e-
pension are:
1. In e-pension, option given to pensioners to draw their pension from
treasuries was withdrawn. All pensioners drawing pension from treasuries
were shifted to the banks.
2. More banks were authorized for pension payment through out the
state. All pensioners shifted from treasuries opened accounts in authorized
bank branches.
3. PPOs received from the AG are not sent to the PDAs but are
retained in the district treasuries.
4.The data base in the form of PDA-Master and PPO Master was
created at the District Treasuries. Detailed entry of approximately 75000 PPO
was done in-house by the officials of the department.
5. PDA-Master is the list of designated bank branches in the District
which are disbursing pension to HP Pensioners. This list is
maintained/updated centrally at shimla.
6. PPO Master file is the data base of all pensioners in the District
containing all the relevant information required for pension payment. The
PPO Master is created and updated at District Treasuries on the basis of PPOs
received from the AG.
7. All the PPO files of pensioners being maintained at different banks
were recalled at the concerned District Treasuries.
8. On the basis of PPO Master created in the District Treasuries, Bank
branch wise monthly pension payment scroll is generated for all branches in
district. Thus the responsibility of pension processing and calculation has now
shifted to treasuries. The scroll is sent to the link bank branch of the district by
23rd of the preceding month in advance.
9. The branch wise pension payment scrolls are then sent to the paying
branches of the district by the link branch for crediting pensioner’s accounts
strictly as per the scroll sent by district treasuries. All the PDAs in the state
have now been converted from active PDAs, calculating/processing pension to
passive PDAs , making pension payment on the basis of scroll of the district
treasuries.
10. After crediting bank accounts of the pensioners, paying branches
return the scroll through link branches to district treasuries for entering into
the accounts.
11. All the necessary certificates continue to be taken by bank
branches. These are then sent to District Treasury along with scrolls.
12. Pensioners of other states drawing pension in treasuries were also
shifted to bank branches located at the place from where they were taking
pension through Treasuries.
13. The scroll generated by District Treasury was initially sent to the
banks in triplicate. Triplicate copy of scroll was retained by the branch.
Paying branches returned payment scroll in duplicate in the form of paid
vouchers to link branch which retained duplicate copy. Original copy was sent
to District Treasury for accounting purpose. Later the soft copy of scroll was
started through which banks upload payment data directly into their CBS
platform thereby crediting pension accounts of beneficiaries.
14. Pension forms being submitted to the AG by the retiring
government employees were modified by making it mandatory to enter bank
account and bank branch details.
BENEFITS OF e_PENSION
The e-pension system took care of all the shortcomings of manual
system of pension disbursement. The benefits of the e-Pension are as under:-