GDS motivation

1. VC with
Gramin Dak Sevaks
An initiative by O/o Chief Postmaster General, A.P. Circle
27th Jan 2023

2. DoP – Last Mile Reach

3. Source : Annual Report 2021-22
• Largest coverage till last mile of
India.
• Facility through Network of 1.56
lakh Post offices across the
country.
• 18,000+ GDS staff in A.P. Circle
• GDS are Key Service Providers
at Grass root levels

4. Banking Services
(for Savings & Investments)
• POSB, MIS, SSA, SCSS, RD, TD, PPF, NSC, KVP

5. Post Office Savings Schemes – An Overview
• Oldest Savings schemes in the country- Since
1882
• Only Saving schemes backed by Govt. of
India. Most trusted Saving schemes.
• Best Saving Instrument for all classes.
• Core Banking Solutions available PAN India
• Interoperable ATM cards (can transact with
any bank ATMs )
• IncomeTax Rebate under section 80C (If
invested in PPF, NSC, SSA, 5 yr TD)
Post Office
Savings
Schemes
Sukanya
Samriddhi
Account Public
Provident
Fund
National
Savings
Certificate
Monthly
Income
Scheme
Recurring
Deposit
Time
Deposit
Account
Senior
Citizen
Savings
Scheme
Kisan
Vikas
Patra

6. PostOfficeSavings Account (POSA) - R.O.I. 4%
1
• Single or two adults jointly, minor above 10 yr. can open
2
• Minimum Rs.500/- for opening. No maximum limit
• Subsequent deposit not less than 10 rupees.
3
• Rate of Interest – 4.0 % P.A. and shall be credited in
account at the end of each FinancialYear
4
• Cheque book facility
• Interoperable ATM CARDS with any bank ATMs
5
• Can be linked with India Posts Payments Bank (IPPB)A/C
• e-Banking / mobile banking
• Nomination facility
• NEFT/RTGS Facility available

7. Sukanya Samriddhi Account Scheme(SSA)R.O.I. 7.6%
• Special Saving Scheme only for Girl Child upto 10 yrs. for
her Marriage/ Education introduced in 2015 under Beti
Bachao Campaign.
• Minimum Deposit Rs.250/- and Maximum 1.5 lakh in a F.Y.
• Deposits only for 15 years and Maturity after 21 yrs.
• Rate of Interest – 7.6% p.a. (Highest of all other schemes)
• 50% can be withdrawn for marriage/education of Girl on
attaining 18yrs of age.
• IncomeTax rebate u/s 80C
Year Financial Year
Rate of
Interest
(%)
Deposit made
during the year
(Rs.)
Interest
generated
during the year
(Rs.)
Balance at the
end of the year
(Rs.)
1 2022-2023 7.6 1,00,000 7,600 1,07,600
2 2023-2024 7.6 1,00,000 15,777.60 2,23,378
3 2024-2025 7.6 1,00,000 24,576.72 3,47,955
4 2025-2026 7.6 1,00,000 34,044.60 4,82,000
5 2026-2027 7.6 1,00,000 44,232.00 6,26,232
6 2027-2028 7.6 1,00,000 55,193.64 7,81,426
7 2028-2029 7.6 1,00,000 66,988.32 9,48,414
8 2029-2030 7.6 1,00,000 79,679.52 11,28,094
9 2030-2031 7.6 1,00,000 93,335.16 13,21,429
10 2031-2032 7.6 1,00,000 1,08,028.56 15,29,458
11 2032-2033 7.6 1,00,000 1,23,838.80 17,53,297
12 2033-2034 7.6 1,00,000 1,40,850.60 19,94,148
13 2034-2035 7.6 1,00,000 1,59,155.28 22,53,303
14 2035-2036 7.6 1,00,000 1,78,851.00 25,32,154
15 2036-2037 7.6 1,00,000 2,00,043.72 28,32,198
16 2037-2038 7.6 0 2,15,247.00 30,47,445
17 2038-2039 7.6 0 2,31,605.88 32,79,051
18 2039-2040 7.6 0 2,49,207.84 35,28,259
19 2040-2041 7.6 0 2,68,147.68 37,96,407
20 2041-2042 7.6 0 2,88,526.92 40,84,934
21 2042-2043 7.6 0 3,10,455.00 43,95,389
Total 15,00,000 28,95,386 43,95,389

8. Public Provident Fund (PPF) R.O.I. 7.1%
• A Government backed, long-term, tax-free saving instrument.
• Any one can have one PPF account.
• Minimum Deposit Rs.500/- and Maximum Rs. 1.5 lakhs in a F.Y.
• Rate of Interest – 7.1% p.a. (compounded yearly and always better rates than FDs)
• IncomeTax rebate u/s 80C
• Maturity – After completion of 15yrs of account opening
• Can be extended for further block of 5 years and so on (within one year of maturity)
• 50 % withdrawal permitted after expiry of 5 FY from opening of account
• If Rs.10,000/- invested monthly @ 7.10% for 15 years.
Amount Deposited Interest Amount Maturity Amount
Rs. 18,00,000 Rs. 13,55,680 Rs. 31,55,680
PPF for Boys

9. Monthly Income Scheme (MIS)-R.O.I. 7.1 %
• Any individual can open Single account , Joint account (up to three
adults) to invest a bulk amount.
• A minor above 10 years can open account in his own name.
• Minimum Deposit – Rs.1000/-
• Maximum Deposit – Rs.4,50,000/- for single account
Rs. 9,00,000/- for joint account
• Rate of Interest – 7.1 % p.a.
• Interest payment on monthly basis
• Maturity Period – 5 years from opening of account
• Interest earned monthly and further deposited in RD gives best
returns.
Type of
Account
Principal amount
of MIS
Interest gained
from MIS
@7.1%
Total Interest of
MIS after 5 yrs.
Monthly
Reinvested in RD
Total investment
RD in 5 yrs.
Interest gained
from RD @5.8%
Total amount
received after 5
yrs. from RD
Maturity Amount
of MIS + RD
Account after 5 yr
Excess interest
gained
Single 4,50,000 2,663 1,59,780 2,660 1,59,600 25,794 1,85,394 6,35,394 25,794
Joint 9,00,000 5,325 3,19,500 5,320 3,19,200 51,588 3,70,788 12,70,788 51,588

10. National Savings Certificates (NSC)- R.O.I. 7.0 %
1
• Lump sum Investment
• Rs.1,00,000/- grows to Rs.1,40,300/- after 5 yrs.
2
• Any adult can open Single account and Joint
account (upto three adults).
3
• Minimum Deposit Rs.1,000/-
• Maximum Deposit – No Limit (Any Number)
4
• Income tax rebate u/s 80C
• Interest Rate 7.0% (compounded annually)
5
• Maturity on completion of 5 years
• NSC may be pledged or transferred as security.

11. KisanVikas Patras (KVP)- R.O.I. 7.2 %
1
• Lump sum Investment
• Amount Invested doubles in 120 months
(10 years)
2
• Any adult can open Single account and Joint
account (upto three adults).
3
• Minimum Deposit Rs.1,000/- (Multiple of Rs.100)
• Maximum Deposit – No Limit (Any Number)
4
• Interest Rate 7.2% (compounded annually)
5
• KVP may be pledged or transferred as security

12. Recurring Deposit (RD)- R.O.I. 5.8%
• Helps to build good saving habits
• Single or upto three adults jointly, minor above 10 years,
• Min Deposit Rs.100/- Max Deposit – No limit
• 50% Loan Facility available (after 1yr of deposited amount
can be withdrawn)
• Interest Rate 5.8% (Compounded Quarterly)
• Maturity after 5 years. Can be extended for 5 yrs.
Denomination Total Investment Interest Maturity Amount
100 6,000 970 6,970
500 30,000 4,849 34,849
1000 60,000 9,697 69,697
10000 6,00,000 96,970 6,96,970

13. Time Deposit Account (TD) R.O.I. 6.6% - 7.0%
Interest rates
Period Rate
1yr. A/c 6.6%
2yr. A/c 6.8%
3yr. A/c 6.9​%
5yr. A/c 7.0​ %
• A guardian on behalf of minor/ person of unsound mind
• Interest payable annually (Quarterly compounded)
• Minimum Deposit Rs. 1,000/- (multiple of Rs.100/-) No maximum limit
• Amount can be withdrawn after expiry of six months.
• Deposits in 5yrTD qualify for Income tax rebate u/s 80C
• Account can be pledged with GoI, Bank, Housing Companies etc.
• An adult can open Single account , Joint account

14. Senior Citizen Savings Scheme (SCSS)- R.O.I. 8.0%
• Account can be opened in individual or jointly with spouse only by
• An individual above 60 years of age.
• Retired Civilian Employees above 55 years of age.
• Retired Defense Employees above 50 years
(within 1 month of receipt of retirement benefits.)
• Minimum Deposit – Rs.1,000/-
• Maximum Deposit – Rs.15,00,000/- (No limit on number of
accounts)
• Rate of Interest – 8.0% p.a. highest than other FD schemes
• Account can be prematurely closed any time after date of
opening.
• Interest payment on quarterly basis.
• Maturity Period – 5 years of from opening of account
• Account can be extended within 1 year of maturity for 3yrs.

15. లక్ష్యి త వినియోగదారులు
లక్ష్యి త
వినియోగదా
రులు
రాష్ట్ర మరియు
కేంద్ర
ద్రభుతవ
లబ్దిదారులు
గృహ
వినియోగదా
రులు
ఉద్యి గులు/
నిపుణులు
వ్యి పారస్తు
లు
దుకాణదారు
లు
/అమమ కేందా
రులు
విదాి రుు
లు/ద్ా
డ్యి యే
ట్
లు
 రాష్ట్ర మరియు కేంద్ర ద్రభుతవ
లబ్దిదారులు (ఉదా: అమమ ఒడి, డాక రర్
వైఎస్ఆర్ ఆరోగి ద్ీ, వైఎస్ఆర్ విదాి
దీవెన, వైఎస్ఆర్ రైతు భరోసా మొరలైన
రథకాలు)
 ఉద్యి గులు (రనిచేస్తునన & రిటైట్
ర్్)
(ఉదా:ఉపాధ్యి యులు, ఇేంజనీరుు
మొరలైనవ్యరు )
 వైదుి లు, న్యి యవ్యదులు మొరలైన
నిపుణులు
 విదాి రుులు/ద్ాడ్యి యేలు- "ఆరిుక
ద్కమశిక్షణ" నేరుు కోవడానికి వ్యరికి
మీ BO కోసేం ట్
సా
ు నికేంా
నిరిి్ర వ్యి హానిన
రూపేందిేంచేండి

16. Targeted Customer Segments
Targeted
Customer
Segments
Beneficiaries of
Govt. Schemes
Households
Employees/
Professionals
Business
persons
Shopkeepers/
Vendors
Students/
Graduates
 Beneficiaries of State and Central Govt.
Schemes like AmmaVodi, Dr.YSR Aarogya Sri,
YSRVidya Deevena,YSR Rhythu Bharosa etc.,
 Employees (both working & retired) like
Teachers, Engineers etc.,
 Professionals like Doctors, Lawyers etc.,
 Students/Graduates- Can be beneficial for
them to learn “Financial Discipline”
Design a Locally Specific
Strategy for your BO

17. Incentives for BPMs (BPMలకు ద్ోత్సా హకాలు):
Existing Rates of Incentives offered to GDS
Sl No Nature of Work Rate of Incentives To whom payable Remarks
1 SB deposits
1% on net accretions, exclusive of
interest, of not less than Rs. 500/-
at the end of the year in PO
Savings Accounts operated at their
office
BPMs
Ref: SB Order
30/2021
2 TD deposits
1 year : 0.5 %
2&3 year: 1%
5 year : 2 %
BPMs
Ref: POSB CBS
Manual
31.12.2021
3 PLI/ RPLI
10% of First Year Premium.2.5% of
Subsequent premium
All the staff
including GDS who
are assigned agent
code.
Ref: Dte letter
No.26-
02/2009-LI
dated
18.09.2009

18. Contribution by BOs (BOల నేండి సహకారేం)
ద్రతి BOలో 200
POSB అకేంట్సా
చేయగలరు
ద్రతి BOలో 5 SSA
అకేంట్సా చేయగలరు
Mission 4.0
POSB Drive
(My Circle – My POSBGoal)
(06.01.2023
to
14.02.2023)
POSB Maha Mela
(28.01.2023)
SSA AMRITPEX Drive
(10.02.2023)

19. Contribution by BOs (BOల నేండి సహకారేం)
కనీసేం రేండ్య
PLI/RPLI పాలసీలు
చేయగలరు
PLI Day
(01.02.2023)
కనీస ద్ీమియేం
రదివేలకు తగగకుేండా
చేయగలరు

20. Recognition by Circle
Mission 4.0
POSB Drive
(My Circle – My POSBGoal)
(06.01.2023
to
14.02.2023)
• సబ్ డివిజన్ స్థ
ా
యి లో Top 2 GDS
• సర్కి ల్ స్థ
ా
యి లో Top 10 GDS
• ఏదైనా ఒక రోజుో లేదా మహా మేళా రోజున
200 POSB అకౌంట్స్ ఓపెన్ చేసిన ప్రతి ఒకి
GDS
If you think you can do it,
You can

21. Thank You