Welcome Kit of IPPB - Benefits of Banking

First Inauguration snapshot of pilot launch of India Post Payments Bank (IPPB) at Raipur & Ranchi on 30th January 2017

India Post Payments Bank will be a game changer for financial inclusion-Manoj Sinha

IPPB branches launched in Ranchi & Raipur 

Finance Minister, Shri Arun Jaitley and Minister of Communications Shri Manoj Sinha launched the operations of the India Post Payments Bank (IPPB) here today as two pilot branches at Raipur and Ranchi through video conferencing from Delhi.

Speaking on the occasion, Shri Jaitley said that about 650 IPPB branches will be opened by September this year and that will have a multiplier impact as far as banking in India is concerned. He said with IPPB, banking at the doorstep will no longer remain a mere slogan, but will become a reality due to huge postal network in the country. He said that financial Inclusion is critical for the socio-economic development of the country, but there are significant gaps in this area and a large proportion of country’s population remain unbanked or underbanked. IPPB will effectively leverage the ubiquitous post office network with its pan-India physical presence, long experience in cash handling and savings mobilization, backed by the ongoing project of IT-enablement, to bridge this gap in Financial Inclusion.

In his address, Minister of Communications Shri Manoj Sinha has commended the hard work done by the Department of Posts in setting up the India Post Payments Bank and hoped that both organizations will work in tandem to take the benefits of government schemes and financial services that are not easily available in rural areas to customers across the country and to the marginalized population in urban and rural areas alike. He said, the objective of IPPB will be public service rather than promoting commercial interests.

Secretary, Department of Posts, Shri B.V.Sudhakar said that the IPPB is widely expected to be a game changer for financial inclusion in the country as the USP of this initiative is doorstep banking, particularly in the rural areas.

As mandated by the RBI, the India Post Payments Bank (IPPB) would focus on providing basic financial services such as all kinds of payments; including social security payments, utility bill payments, person to person remittances (both domestic and cross-border), current and savings accounts up to a balance of Rs 1 lac, distribution of insurance, mutual funds, pension products and acting as business correspondent to other banks for credit products especially in rural areas and among the underserved segments of the society.

Set up us a 100% Government of India owned Public Limited Company under the Department of Posts, it will open around 650 branches in district HQ locations. All 1.55 lacs post offices including the 1.39 lac of the rural post offices will be mapped to the IPPB branch at the district headquarter and function as access points for IPPB. IPPB will usher in state of the art internet and mobile banking platforms, digital wallets and use innovative and emerging technologies to catalyse the shift from a cash dominant to a less cash economy.

While many other banks and financial institutions are working on the same theme, the USP of IPPB will be its ability to ease access and handhold the adoption of new age banking and payments instruments among citizen of all walks of life through the delivery by postmen and Grameen Dak sevaks, savings agents and other franchisees who will take banking to door steps. IPPB thus aspires to the most accessible, affordable and trusted bank for the common man with the motto - “No customer is too small, no transaction too insignificant, and no deposit too little”.

Given ‘in principle’ approval by the RBI along with 10 other aspirants on 19th Aug 2015, IPPB received the cabinet’s approval on 1st June, 2016 and was incorporated as on 17th Sept, 2106. Today it became the second payments bank to launch its operations. Having got its final banking license from the RBI on the 20th Jan 2017 it has commenced operations in record time of 10 days in partnership with the Punjab National Bank, after obtaining all necessary approvals and registrations from the RBI, NPCI etc.

A commemorative stamp and a logo of the new bank were also launched on the occasion.

The Minister of State for Communications (Independent Charge) and Railways, Shri Manoj Sinha addressing at the launch of the India Post Payments Bank branches, through video conferencing from National Media Centre, New Delhi on January 30, 2017. The Union Minister for Finance and Corporate Affairs, Shri Arun Jaitley and other dignitaries are also seen.

The Union Minister for Finance and Corporate Affairs, Shri Arun Jaitley and the Minister of State for Communications (Independent Charge) and Railways, Shri Manoj Sinha jointly launching the India Post Payments Bank branches, through video conferencing from National Media Centre, New Delhi on January 30, 2017.

The Union Minister for Finance and Corporate Affairs, Shri Arun Jaitley and the Minister of State for Communications (Independent Charge) and Railways, Shri Manoj Sinha releasing a commemorative stamp, at the launch of the India Post Payments Bank branches, through video conferencing from National Media Centre, New Delhi on January 30, 2017.

OPERATIONS AND MAINTENANCE OF RICT DEVICE:

Click below link to download RICT materials

CLICK HERE FOR FULL DETAILS

The introduction of Hand-held Device viz., Main Computing Device (MCD) with all its peripherals going to be used in Branch Post Offices is well presented for the information of GDS and all others.

This gives us preliminary information along with some theoretical knowledge (for unaware GDS) & practical knowledge (for those who are in good practice in some Circles/Divisions) over the MCD (Hand-held Device) and its usage in BOs.

First branch of India Post Payments Banks inaugurated - Video

Limits on Cash Withdrawal from Bank Accounts and ATMs- Restoration of status quo ante...

Promotion and postings of Senior Administrative Grade (SAG) officers of Indian Postal Service, Group 'A' to Higher Administrative Grade (HAG) of the Service and posting of an HAG officer of the Service 30-01-2017

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India Post Payments Bank gets RBI nod to start ops

TNN |  Jan 28, 2017

NEW DELHI: The Reserve Bank of India (RBI) has given its nod to the India Post Payments Bank (IPPB) to start operations. The government has also appointed an interim CEO, who will help set up the entity.

IPPB is the third entity (got final licence from RBI on January 20) after Airtel and Paytm payment banks to get the central bank's approval, sources said. Operations are expected to start before March 31 and will be gradually rolled out in 650 districts using the network of 1.54 lakh post offices. 

The government has appointed A P Singh as the interim managing director and CEO of IPPB. A 1986 batch Indian Postal Service officer, Singh was earlier joint secretary in the department of investment and public asset management (DIPAM). He has also served as the deputy director general in-charge of financial inclusion and payment systems in the founding team of UIDAI (Unique Identification Authority of India). The Aadhaar enabled payments system, e-kyc (electronic know your customer) and direct benefit transfers were piloted by him. 

Payments banks are brainchild of former RBI governor Raghuram Rajan, who came up with the idea of differentiated bank licences. These banks do not offer loans and several other facilities that are offered by full-fledged banks and are not allowed to accept deposits over Rs 1 lakh. But, they can be of immense help in taking banking services across the country and in remote areas.

Earlier this month, Airtel Payments Bank launched nationwide operations, offering 7.25% interest on savings, which is more than maximum 7% paid by SBI on FDs. Paytm is expected to start operations of its payments bank next month.

The India Post Payments Bank (IPPB) has been incorporated as a public limited company under the department of posts with 100% equity from the government.

It will offer demand deposits such as savings and current accounts up to Rs 1 lakh, digitally-enabled payments and remittance services of all kinds between entities and individuals and also provide access to third party financial services such as insurance, mutual funds, pension, credit products, forex, and more, in partnership with insurance companies, mutual fund houses, pension providers, banks, international money transfer organisations, according to its website.

The postal payment bank will use postmen to help deliver banking services. The huge network of post offices provides enough muscle to the new player and it has also drawn up plans to offer services through internet and mobile banking, and pre-paid instruments such as mobile wallets, debit cards, ATMs, PoS (point of sale) and MPoS (mobile point of sale) terminals. Postmen will trained in soft skills to be able to carry out banking operations. 

Source : http://timesofindia.indiatimes.com

Clarification regarding timely payment of GPF final payment to the retiring Government servant – regarding

REFLECTION OF THE RECURRENT LAPSES IN OBSERVING FINANCIAL DISCIPLINE IN THE ANNUAL PERFORMANCE ASSESSMENT REPORT (APAR)

Retirement in the month of January 2017

Following officers are retiring from Govt. service on superannuation on 31/1/2017.

S.No.	Name of officer S/Shri	Designation & Office	Circle
1	Shri T. Murthy	Director General	Directorate
2	Ramlingam R	SPOs, Ooty Division	Tamil Nadu
3	N S Wankhede	SSPOs,  Satara Division	Maharashtra
4	S P Deviyal		Uttarakhand
5	L. Aamala Chandran	Chief PM, Chennai GPO	Tamil Nadu
6	Sunil Kumar Sinha	AD o/o PMG North Region, Muzaffarpur	Bihar
7	Kaibalya Prasad Parida		Odisha
9	Tarakant Roy	SPOs, Begusarai Division	Bihar
10	Sudhinra Rao K		Andhra Pradesh
11	A. S. Rathore	SSPOs, Gwalior Division	Madhya Pradesh
12	M. L. Verma	SRM, Indore Division	Madhya Pradesh

CHQ is wishing them happy, healthy and peaceful retired life.

CSI Master Guide - Training Purpose only

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GDS online software - Implementation - reg

CWC Karnataka Circle

It has been reported by Mr Manjunatha Hubballi, Circle Secretary Karnataka Circle that their Circle Working Committee Meeting will be held on 28-1-2017 at Bangaluru GPO, Annex Hall, 5th floor, Bangaluru 560001. 

Greeting ....

650 districts in country to have post office PSKs

Mysuru: January 26, 2017

The Ministry of External Affairs (MEA) has drawn up ambitious plans of opening post office Passport Seva Kendras (PSKs) in 650 districts across the country soon.

Disclosing this during the inauguration of a post office PSK here on Wednesday, MEA Secretary D.M. Mulay said the MEA was planning to collaborate with the Department of Posts by opening PSKs at district level across the country to meet the growing demand for passports. The demand for passports in India, which is around 2 crore a year, was the third highest in the world after China and the U.S. A total of 60,000 passports are issued every day in the country, he added.

While there are a total of 89 PSKs in the country, the first two post office PSKs were opened at the Metagalli Post office in Mysuru and the Head Post office at Dahod in Gujarat in pilot mode on Wednesday.

Usha Chandrashekar, member, Postal Services Board, who was also present at the inauguration, said the postal officials will be processing the applications for verification of documents and obtaining the photographs and biometrics of the applicants at the post office PSKs.

The Department of Posts, which was earlier only handling posts, has also been handling a variety of other services, including delivering e-commerce parcels, insurance, social security products, and agricultural seeds. Now, it will be handling delivery of passport-related services in an IT-enabled manner, she added.

Union Minister Ananth Kumar, who inaugurated the post office PSK in Mysuru, hoped that all the districts of the country will have a PSK in one year’s time and appreciated Minister for External Affairs Sushma Swaraj’s initiative in the regard.

Pratap Simha, MP, recalled that the demand for a PSK for Mysuru was the first issue on which he had spoken in the Parliament after his election. He revealed that the decision to start a post office PSK in Mysuru from Wednesday was taken only last Friday and appreciated the officials of the Regional Passport Office, Bengaluru, led by RPO P.S. Karthigeyan for making the necessary arrangements in quick time.

Extending Outreach of Passport Services through Network of Post Offices

The Passport Seva Project (PSP), an ambitious Mission Mode Project of the Government of India, is being successfully run in the Public Private Partnership (PPP) mode as part of the National e-Governance Plan. It has emerged as one of the most noticeable statutory and citizen-centric services being rendered by the Government. M/s Tata Consultancy Services (TCS) is the Service Provider for the PSP.

At present, 89 Passport Seva Kendras (PSK) with best-in-class amenities are operating across the country as extended arms of the 38 Passport Offices, thus providing extended reach to passport applicants. Several quantitative and qualitative improvements in the delivery of passport services in the country have been made during the last two and a half years.

Over the years, there has been an expansion in the volume of passport related services. Government of India rendered 1.15 crore passport and other related services during the calendar year 2016.

The Ministry of External Affairs has engaged closely with the Police Departments across States/ Union Territories to reduce the time taken in completion of Police Verification Report (PVR) for expeditious issuance of Passports. The Department of Posts has been a valuable partner of the Ministry of External Affairs in the PSP by ensuring timely despatch and delivery of the passports from the Passport Offices to the registered address of the passport applicants.

In order to streamline, liberalize and ease the process of issue of passport, the Ministry of External Affairs has made several changes towards the end of last year in the realm of passport policy which is expected to benefit the citizens of India applying for a passport. It is expected that these changes in the Passport Rules would further ease the process for passport applicants in getting their passports.

The objective of the Government has been to cater to the demand for passports and to reach out to the people located far away from the Passport Offices. One approach has been to open PSK at various locations and under this, the Government has decided to inaugurate additional four PSK at Indore in Madhya Pradesh, Udaipur in Rajasthan, Siliguri in West Bengal and Sholapur in Maharashtra in the coming months. A second approach has been to organize Passport Seva Camps at various locations. During 2016, 80 such Camps have been organized at various locations across the country in which 34,111 passport applications were processed.

In order to extend passport services to our citizens on a larger scale and to ensure wider area coverage, the Ministry of External Affairs (MEA) and the Department of Posts (DOP) have now agreed to utilize the Head Post Offices (HPO) in the various States as Post Office Passport Seva Kendra (POPSK) for delivering passport related services to the citizens of our country. The pilot projects for this joint venture between MEA and DOP would be inaugurated on 25 January, 2017 at the HPO at Mysuru in Karnataka and at Dahod in Gujarat. Appointments for passport applicants have been released for these two places beginning 25 January, 2017. Applicants, who apply for their passports online through the passport portal, can now schedule an appointment and then visit the designated POPSK to complete the formalities akin to those at the PSK necessary prior to the issue of the passport.

Delivery of passport related services through the POPSK would be yet another citizen-centric measure of the Government in taking IT- driven public services closer to the people of the country. This partnership would be an important step forward enabling the Government to continue to deliver passport related services to the citizens in a timely, transparent, more accessible, and reliable manner through streamlined processes and a committed, trained and motivated workforce.

Once the pilot projects are operationalized successfully, the Government intends to scale up this programme by opening POPSK in all the HPO in a phased manner.

Regarding payment of Allowances to PS Group "B" officers whose grade pay has been up graded from Rs.4800 to 5400.

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Digital Payments

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Transfer/ posting matter of Senior Manager/ Manager, Mail Motor Service (MMS) Group 'A'

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All India Services (Discipline and Appeal) Amendment Rules, 2017.

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Filing of Immoveable Property Returns under Rule 16(2) of AIS (Conduct) Rules, 1968.

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GDS COMMITTEE REPORT - CHAPTERWISE AND ANNEXURE WISE DOWNLOAD LINK

Shri Kamalesh Chandra Committee submitted report on GDS system to the Department & Government on 24th November 2016.

The copy of the Report published in DoP website on 18-01-2017.

It contains 434 pages with 20 Chapters and 39 Annexures with some other pages. 

Downing loading of the Report Copy once at a time is more time taking and felt difficulty.

CHAPTER - 1 : EXECUTIVE SUMMARY & METHODOLOGIES (34 PAGES)

CHAPTER - 2 : NET WORK OF GDS POST OFFICES (12 PAGES)

CHAPTER - 3 : CATEGORIES OF GDS(10 PAGES)

CHAPTER - 4 : VIABILITY OF GDS POST OFFICES (21 PAGES)

CHAPTER - 5 : WORK LOAD ASSESSMENT (8 PAGES)

CHAPTER - 6 : RURAL BUSINESS DEVELOPMENT & MARKETING (22 PAGES)

CHAPTER - 7 : ACCESSIBILITY, VISIBILITY & INFRASTRUCTURE (10 PAGES)

CHAPTER - 8 : LEGAL STATUS OF GDS ( 7 PAGES)

CHAPTER - 9 : TERMS & CONDITIONS OF ENGAGEMENT (13 PAGES)

CHAPTER 10 : RECOMMENDATIONS ON WAGE STRUCTURE & FIXATION OF WAGES OF GDSs (30 PAGES)

CHAPTER - 11: ALLOWANCES (15 PAGES)

CHAPTER - 12:PERFORMANCE RELATED INCENTIVE (7 PAGES)

CHAPTER - 13: EX GRATIA BONUS (5 PAGES)

CHAPTER - 14:METHODS OF ENGAGEMENT (11 PAGES)

CHAPTER - 15:CAREER PROGRESSION ( 6 PAGES)

CHAPTER - 16: LEAVE & SUBSTITUTE ARRANGEMENT (8 PAGES)

CHAPTER - 17:DISCIPLINARY RULES (7 PAGES)

CHAPTER - 18:SOCIAL SECURITY SCHEMES (14 PAGES)

CHAPTER - 19:WELFARE SCHEMES (10 PAGES)

CHAPTER - 20:FINANCIAL IMPLICATION ( 4 PAGES)

ACKNOWLEDGEMENTS (3 PAGES)

The following Annexures contains Statistical tables, data collection and etc.,

ANNEXURE : 01 - 10 (37 PAGES)

ANNEXURES : 11 - 15 (41 PAGES)

ANNEXURES : 16 - 25 (31 PAGES)

ANNEXURES : 26 -30 (25 PAGES)

ANNEXURES : 31 - 39 ( 30 PAGES)

After going through the GDS Committee Report, the Committee observations and comments on GDS system and on GDS beside on the part of Department and Govt are so impressive and courageous.

In brief, the comments are extracted here :

1.   The GDSs working in the net work of GDS Post Offices are Ambassadors of Department of Posts, Ministry of Communications in the rural and remote areas of India……

2.   The Govt of India still holds the same position and has so far held that the Gramin Dak Sevaks are not departmental employees. They are outside the Civil Services of the Union and shall not claim to be at par with the Central Government Employees……

3.   Currently, a large number of well educated, talented and capable youths are joining GDS posts and strengthening the GDS system and this trend is likely to propel growth of the Department in the coming days……

4.   The Committee observed that in last several decades, the Department has not invested enough to strengthen the network of GDS Post Offices until recently……

5.   The quality of life of GDSs and their family’s needs to be improved by  harmonizing their wages and other emoluments in tune with present day’s needs and aspirations of young GDSs joining the workforce….

6.   The Committee also noted that a large number of them are totally dependent upon the emoluments received from the Department and has no other means of livelihood to supplement their income…….

7.   The Committee views that the demand of regularization of their services is due to better emoluments, reliability and security of regular government service. The Committee noted that GDSs are exploited at the hands of their local supervisors because of existing wage structure and their legal status. The administrative powers such as “put off duty” are exercised on frivolous charges and frequently used for exploitation rather than as remedial measures.

8.   The Department recognizes the engagement of GDSs as contractual, but the present method of engagement and disciplinary proceedings, job contents, risks and responsibilities are getting closer to the regular employees of the department….

9.   that there is tendency to withhold the legitimate demands of GDSs which are due to them, based on the apprehension that they will get closer to regular employees and their claim for regularization will be strengthened in the Court of Law, if such demands are allowed. The Committee finds this as unreasonable and counter productive for the Department. It also deprives them of living a happy life in the changed situation where financial dependence on GDS position is increasing day by day because of shrinking alternate means of livelihood…….

10. The Department has lost its tag of having the largest network for providing financial services to the customers by decelerating expansion of network based on the assumption that GDS post offices are loss making and adding to the overall deficit of the Department….

11.  The Committee observed that the ‘Rationalization of Postal Network Scheme’ has also not worked on the expected line….. the Committee supports the demand for presence of postal facility in the headquarters of each of 2.50 lakhs Gram Panchayats and revamping of PSSK and FO Schemes my making it more remunerative as opening of regular or GDS Post Office in each of such location may not be feasible….

12.    The GDS Post Offices, is around 45% of the total deficit (Net Expenditure – Revenue) of Rs.6258.60 crores and around 15% of the total expenditure of Rs.17894.58 crores in the Financial year 2014-15………..the Committee found that total expenditure on GDS system is far less than deficit of the Department.

13.  Future survival of the Department will largely depend on the successful management of GDS Post Offices, which effectively for its “soul”.. It would be difficult for the Department to survive without the soul…..

14. Tust of GDS network which enables the Department to deliver trustworthy services in each and every village of the country that can not be quantified in terms of revenue…

15.  The Committee observed that the Sub Post Masters of single handed Sub Post Offices do not encourage Branch Post Masters to increase their workload as it results into increase in the workload of Sub Post Offices which they are unable to handle properly due to lack of manpower……

16.  Sub Post Office by utilizing the services of capable and willing GDSs in the single handed sub post offices…..

17. the India Post Payment Bank which is going to be rolled out shortly will use the strengths of the GDS net work and experiences of more than 2.60 lakhs trustworthy Gramin Dak Sevaks serving in the Department of Posts….

18.   the GDS network can potentially wipe out the deficit (gap between the expenditure and revenue) of the Department and emerge as rural digital hubs for delivery of DBT and other postal, financial, remittance, third party and several e-services to the rural population and forming an integral part of fulfilling SABKA SAATH  SABKA VIKAS agenda of the Central Government.

Source: GDS Committee Report (Executive Summary)

Central Budget 2017 to be presented on February 1, says Supreme Court

The government has received a go-ahead from the Supreme Court to present the Union Budget on February 1. On Monday, the SC which was slated to hear a plea to push the Budget presentation date to after the Assembly Elections in the five states, dismissed the plea and said that the financial statement should be presented on February 1.

This year, the government decided to advance the Union Budget presentation to February 1, doing away with a decades-old practice of presenting it on the last working day of February. Prime Minister Narendra Modi had said that this would allow for the Finance Bill to be passed early and make funds available on time.

The Opposition parties had sought postponement of the Budget on the grounds that the ruling government could announce sops for the states in line for elections and sway the votes.

While dismissing the petition, filed by Manohar Lal Sharma, the Supreme Court said, "There is no illustration to support that the presentation of the Union Budget would influence voters' mind in state elections."

7th Pay Commission: Central govt employees expect Committee on Allowances report in February

New Delhi: After repeated rumours and statements on when and what the Committee of Allowances under Finance Secretary will roll out for central government employees, there is more news to fire the expectations of government employees.

The Convener of National Joint Council of Action (NJCA), in a circular to its members wrote on Thursday about his recent meeting with the Cabinet Secretary said,” The Cabinet Secretary informed us that, pension issues have already been referred to the Cabinet, and the report of the Committee on Allowances is likely to be submitted in the next month”.

The Cabinet Secretary is also reported to have assured NJAC that the issue of Minimum Wage and Fitment Formula is also being vigorously pursued by the government.

Cabinet Secretary is reported to have told Mishra that the inordinate delay in allowances was because of the various problems, but the intention of the government is very clear that, they want to resolve the problems of the Central Government Employees and advised the employees to have patience for some time and given us an assurance that he would try to get resolved pending issues of the Central Government Employees as early as possible.

Source : http://zeenews.india.com

Govt analyses cash deposits in last 10 days of demonetisation

NEW DELHI: Expanding scrutiny of suspicious transactions post demonetisation, the government has begun analysing deposits in new accounts and loan repayments as well as transfers to e-wallets and advance remittance for imports during the last 10 days of deadline to turn in junked notes.

After analysing cash deposits made in bank and post office accounts during the 50-day window provided to get rid of the junked 500 and 1,000 rupee notes, authorities are now examining term deposit and loan accounts that were opened after November 8 demonetisation decision.

"Income Tax Department is already taking actions in cases where cash deposits above Rs 50,000 have been made without quoting of PAN.

"The Income Tax Department is using tools and its sources to identify each of these persons and is confident that there would be a big expansion in the tax base and a quantum jump in direct tax collection," a senior government official said.

A close watch has been kept on the persons making cash deposits in the last 10 days of the demonetisation scheme, e-wallets, advance remittance for imports etc, and continues to work on collecting and analysing more data regarding cash deposits, he said.

The focus is also on non-cash deposits in various bank accounts by way of RTGS and other means, and would continue to share its findings with the concerned law enforcement agencies.

"Analysis of the deposits made, by way of cash and non-cash, in various kinds of new accounts including term deposit accounts and loan accounts that have been opened during the period of demonetisation is being done," he said. "Income tax department and other agencies like ED are taking action based on the analysis."

Besides, regular reporting by the banks through Suspicious Transaction Reports has seen more than four-fold increase in this period and the same are being analysed for dissemination.

On analysis, details of more than 60 lakh accounts which have cash deposits of Rs 2 lakh and above have been disseminated and the total amount deposited in these accounts is more than Rs 7.34 lakh crore.

Also, details of cash deposits totalling more than Rs 10,700 crore in different accounts in the North-Eastern states have also been disseminated.

The official said Income-Tax Department and ED have been provided with the details of cash deposits of more than Rs 16,000 crore in different accounts of various kinds of cooperative banks as well as more than Rs 13,000 crore deposits made in Regional Rural Banks. 

"The Income Tax Department has undertaken numerous actions, both intrusive and non-intrusive, based on the intelligence and in turn referred a number of cases for parallel investigation by ED and CBI. The actions have unearthed non-filers, huge amounts of unaccounted income and shell companies," he said.

The Income Tax Department is also undertaking data analysis and comprehensive matching of the huge intelligence inputs with government databases to have a more effective and focused non-intrusive action against tax evaders in the coming days.

Source : http://economictimes.indiatimes.com