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Monday, December 26, 2016

   IPPB யும் -சராசரி ஊழியர்களின் சந்தேகங்களும் 
நமது கோட்டத்தில் பரவலாக எல்லா இடங்களிலும் IPPB குறித்த அறிமுக கூட்டங்கள் எந்தவித செலவுமின்றி  சிறப்பாக நடைபெற்று வருகிறது ?..சில இடங்களில் உட்காரகூட நாற்காலி போடாமல் நிற்க வைத்தே ஊழியர்களை  வறுத்து எடுத்து இருக்கிறார்கள் .நேற்றெல்லாம் வள்ளியூர் சுற்று வட்டாரத்தில் இருந்து அனைவரும் பாளையம்கோட்டைக்கு வரவழைக்கப்பட்டனர் .ஒவ்வொருவரும் சராசரியாக இரண்டு/மூன்று  மணிநேரம் தங்கள் பயணத்திற்கு ஒதுக்கியாக வேண்டும் .இதற்கு பதில் பாளையில் இருந்து ஒரு ASP யாராவது ஒருவர் வள்ளியூரை மையப்படுத்தி இந்த கூட்டங்களை நடத்தியிருக்கலாம் .பயண படி கிடையாது --இரவு உணவு கிடையாது . நேற்று  முன்தினம் நடந்த  GDS  களுக்கான கூட்டத்தின் முடிவில் ஒரு GDS  ஊழியர்  அடுக்கடுக்கான கேள்விகளை கேட்டாராம் !.
1.ஐயா நேற்றுவரை SB .RD கணக்குகளை பிடிக்காவிட்டால் ED சம்பளம் குறையும் என்றீர்களே ! நாளை முதல் வங்கி கணக்குகளை பிடிக்க சொல்லுகிறீர்களே !எங்கள் நிலைமை என்னவாகும் ?
2.வங்கிக்கு  தான் தனியாக ஆள் எடுக்க போகீறீர்களே !அவர்களை வைத்து கணக்குகளை பிடிக்க கூடாதா ?
இது  GDS ஊழியர்களுக்கு மட்டும் ஏற்படும் சந்தேகமல்ல --இலாகா ஊழியர்களுக்கும் இருப்பது தான் .IPPB கும் DOP கும் இடையே உள்ள தொடர்பை பாருங்கள் .

Department of Post

. Why is DoP setting-up a payments bank?
DoP has been successfully running the Post Office Savings Bank for the Ministry of Finance. Setting up its independently owned bank is the next logical progression. Based on feasibility studies and a subsequent Detailed Project Report, the Department, in 2013, made an application to the RBI and a proposal to the Public Investment Board (PIB) to set up a universal bank. However, the Department was advised by the PIB to set up a “differentiated bank” under the relevant guidelines. Accordingly when the RBI came up with the guidelines for licensing of Payments Banks in November 2014, the Department of Posts made an application for the same and got the in-principle approval in September 2015 for setting up its payments bank.

The setting up of the payments bank is therefore necessary in view of current market realities and to ensure continued relevance of DoP’s products and services. Among other things, the decision to set up the payments banks comes in the wake of changes in the banking and payments landscape in the country. The payments bank will ensure that the banking and payments services offered through the postal network are well integrated and completely interoperable with the rest of the banking and payments ecosystem and will leverage new age technology in line with key technological advances in the banking sector such as unified payments interface (UPI).
. What is the GOI’s outlook on DoP’s foray into banking?
In the Union Budget of 2015-16, the Honourable Finance Minister made the following announcement:

“The Government is committed to increasing access of the people to the formal financial system. In this context, Government proposes to utilize the vast Postal network with nearly 1, 54,000 points of presence spread across the villages of the country. I hope that the Postal Department will make its proposed Payments Bank venture successful so that it contributes further to the Pradhan Mantri Jan Dhan Yojana.”

In his Independence Day speech at the Red Fort, on 15th August 2016, the Hon’ble Prime Minister Shri Narendra Modi spoke about IPPB:

“The Post Office is an example of our identity. We have revived and rejuvenated our post offices. IT is now linked with the poor and small persons. If any government representative gets the affection of a common man in India, it is the postman. Everyone loves the postman and the postman also loves everybody, but we never paid attention towards them. We have taken a step to convert our post offices into payments banks. Starting with this, the payments bank will spread the chain of banks in the villages across the country in one go”
. How will setting up the payments bank benefit DoP?
The payments bank will not only drive revenues for DoP but also help in maintaining DoP’s brand image and relevance in the current financial landscape that is evolving rapidly. For e.g. Utility bill payments services of the IPPB as a Bharat Bill Payment Operating Unit (BBPOU) will help DoP in increasing its market share in the utility bill payments space and provide technology driven services to customers. New age technology will enhance customer experience, provide more options and help in serving the larger cause and vision of the GOI i.e. to bring about financial inclusion for the vast unbanked and underserved population.

  What will be the role and relationship of DoP with the proposed payments bank?
The payments bank will be 100% owned by the Government of India via DoP, and will have an independent board of directors with representation from DoP and other stakeholders from within the Government of India to ensure strategic alignment with the overall objectives of the DoP and the Government of India.

The post offices at different levels will be the main customer touch points for the bank’s services. A close liaison between the bank and DoP staff at the access points will be maintained on a regular basis at the branch level for success of the delivery model .



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