Questions Relating to Group Insurance
Q 1. What is Group Insurance Scheme?
Ans. Group Insurance Scheme means the H.P. Govt. Employees
Q 2. What is Insurance Fund ?
Ans. Insurance Fund means Insurance Fund under the H.P.Govt.Group Insurance
Q 3. Who are the members of the Scheme ?
Ans. An employee enrolled in Govt. service is a member of
H.P. Govt. Group
Employees Insurance Scheme,1984. This scheme is compulsory for all those
employees who enter the Govt. service after Ist August, 1984.
Q 4. What is Saving Fund ?
Ans. Saving Fund means the Saving Fund under the H.P.Employees
Group Insurance Scheme, 1984.
Q 5. What is the objective of the G.I.S. ?
Ans. The scheme is intended to provide low cost social security on a
contributory and self financing basis with the twin benefits of
insurance cover and a lumpsum payment alongwith interest to augment an
employee’s income sources.
Q 6. What is the subscription for member ?
Ans. The subscription for the Scheme is in unit of Rs.15/- per month. A
Class IV employee subscribes for one unit, Class III employee for
two units, a Class-II employee for four units and Class-I employee for
units. Thus, the present rates of subscription for a member of the
Scheme shall be Rs.15/-, Rs.30/-, Rs.60/- and Rs.120/- per
month for Class-IV,Class-III, Class-II and Class-I employees
Q 7. What is the mode of payment from Insurance Fund/Saving Fund ?
Ans. Saving Fund:- In case of any member retiring on attaining the age
of superannuation or who otherwise ceases to be in H.P.Govt. service, the
Head of office issues a sanction for the payment of the member’s
accumulation in his saving fund, after obtaining a simple application.
Insurance Fund:- If any member dies while in service
, the Head of office asks to the nominee (s)/heirs (s) of deceased, to
submit an application on the prescribed form and on receipt of the
application form the Head of office is requested to issue a sanction for the
payment of the amount of Insurance and the accumulation in the saving
fund along with interest.
Q 8. What is mode of subscription ?
Ans. The subscription is deducted from the salary of the member.
Q 9. What is Insurance Fund and
Insurance cover for member ?
Ans. In order to provide an insurance cover to each
member of the ‘Scheme’ a portion of subscription shall be
credited to an Insurance Fund to be held in the Public Account of the
State Govt. The amount of insurance cover shall be Rs.15,000/- for
each unit of subscription. It will be paid to the nominee(s) of the
member of the ‘Scheme’ who unfortunately die, due to any cause, while in
service before attaining the age of superannuation.
Questions relating to sanction of House Building Advance
Q 1. How is HBA is
calculated/sanctioned in respect of Officers/Officials of H.P.Govt.
Ans. i) For fresh HBA cases, 34 months Basic Pay +
Dearness pay is taken into account.
ii) The maximum limit for HBA is Rs.7.50 lacs.
iii) For House Repair Advance, 20 months Basic Pay is taken into account.
iv)The maximum limit for House Repair Advance is Rs.1.80 lac.
v) The HBA is released in two equal installments.
Q 2 . What documents are required for fresh HBA case ?
Ans. The following documents are required for fresh HBA
i) Latest and fresh Jamabandi and Tatima.
ii) Non-encumbrance certificate issued by Patwari and counter
signed by the concerned Tehsildar.
iii) The applicant should have clear title on the land on which he is seeking
HBA and in case of joint property, then NOC from co-sharer
in the shape of Affidavits is required.
Q 3 . Documents and eligibility criteria for house
repair cases ?
Ans. Five years after the release of second and
final installment in favour of employee. Fresh application and latest
Jamabandi and Tatima are required at the time of submission of house
Q 4 . What is the recovery schedule for the
HBA and for House Repair Advance ?
Ans. i) The HBA is recovered in maximum 144
equal installments and interest thereon in five years. In case the applicant
is having less service, then the DDO will fix the installments in
such a manner so that the whole amount of HBA is recovered within the service
period and only interest will be recovered from the D.C.R.G, that too
ii) The recovery of House Repair Advance is effected in 96 equal installments
or the installments are fixed in such
a manner that the whole advance is recovered before the
retirement of the officer/official.
Q 5 . What are the present interest rates on HBA ?
to Rs. 7.50
Q 6 . What is the minimum length of service
required for HBA ?
Ans. Minimum five years service for permanent Govt. servant
is required for HBA. In the case of temporary Govt. servant, two
surety bonds from permanent employees are required.
Q 7 . What happens in the case of
employees where both husband and wife are in Govt. Service ?
Ans. The HBA is sanctioned to only one of them.
Questions relating to CAG Reports (Comptroller and Auditor
Q 1 . What are CAG reports ?
Ans. CAG reports are prepared by Comtroller and auditor General of
India on under Article 151 of the Constitution on every year.
Q 2 . What are the different CAG reports ?
Ans. Comptroller and Auditor General of India’s reports are of
five kinds. These are Finance Accounts, Appropriation Account, CAG
Report (Civil), CAG Report on Revenue Receipts and CAG Report on Commercial
Q 3 . What is the Web Site of CAG of India for Audit
Q 4 . What are Suo-Motu replies ?
Ans. Every department is required to send replies on paras of CAG
of India’s reports (Civil & Revenue Receipts) within three months
to H. P.Vidhan
Sabha from the time when these reports are laid on the table
of H.P.Vidhan Sabha. These replies are called Suo-Motu replies.
Q 5 . What is Public Accounts Committee ?
Ans. Public Accounts Committee is constituted by the Hon’ble
Speaker from amongst the members of Legislative Assembly. For its
constitution please see www.hpvidhansabha.nic.in
Questions relating to
Adhoc Committee on Audit
Q 1 . How the adhoc committee is constituted ?
Ans. The adhoc committee is constituted by each department as per the
time schedule/calendar given by the Finance Department, which consists of the
Secy/Addl. Secy./Joint Secy./Dy.Secy./Under Secy./of the department
2. Deputy Secy./Under Secy.(Finance
3. Head of
4. Sr.Accounts Officer of
Q 2 . What is the objective
of Adhoc Committee ?
Ans. Adhoc Committee is constituted in each department to settle
the old outstanding Audit Paras and Inspection Reports pending in the
departments in the meetings scheduled to every year. Most of these
paras relate to recovery of excess payment, losses to State Governments
relating to Pension Matters of Government Employees
Q 1. To whom Central Civil Services (Pension) Rules, 1972
Ans. The C.C.S.( Pension) Rules ,1972 are applicable in Himachal Pradesh
to the Government servants who are appointed on or before 14.5.2003.
These Rules are not applicable to new appointees of Himachal Pradesh
Government appointed on or after 15.5.2003.
Q 2. Under what rules pension/gratuity /family pension of
an employee is regulated on a particular day?
Ans. A claim for pension/gratuity/family pension is regulated on the basis of
rules in force on the date on which the employee ceases to be in service due
to retirement or death.
Q 3. Whether the day of death/retirement is treated as
Ans. Yes. The day of death of a Government servant including retirement in
all cases, except on voluntary/premature retirement is treated as working
Q 4. Whether a Government can get two pensions in the same
Ans. A Government servant is not eligible for two pensions in the same
service or post at the same time or by the same continuous service. A
pensioner receiving superannuation or retiring Pension, re-employed
subsequently, is not eligible for a separate pension and gratuity for the
period of his re-employment.
Q 5. Option to count military service for pensionary
Ans. Ex-serviceman desiring to take advantage of the retirement benefits
based on combined military and civil services should exercise option within
one year from the date of his re-employment.
Q 6. Which is the competent authority to count military
service along with civil service for the purpose of pensionary benefits?
Ans. Administrative Department of the concerned department.
Q 7. To what extent a government servant is entitled to
commute pension for lump sum payment?
Ans. A Government servant is entitled to commute for a lump sum payment, an
amount not exceeding forty percent of his pension.
Q 8. Whether commutation of pension could be allowed to a
Government servant or a pensioner against whom departmental or judicial
proceedings are pending.
Ans. A Government servant/ pensioner against whom departmental proceedings
are pending is not eligible to commute a certain percentage of his pension.
Q 9. Whether applicant (Government servant/pensioner) is
required to make a nomination in the prescribed form along with his
application for commutation?
Ans. The applicant should make a nomination in the prescribed form along with
his application for commutation.
Q 10. When pension papers are required to be completed in
respect of a retiring Government servant?
Ans. The Head of office should complete Part I of Form 7 (not later than six
months of the date of retirement of the Government servant )
and forward the same to the Accounts Officer (A.G.H.P.) along with service
book of Government servant duly completed..
Q 11. What is the Contributory Pension System (CPS) for
employees recruited on or after 15.5.2003?
Ans. The Contributory Pension Scheme has been introduced by the H.P.State
Government for its new appointees appointed on or after 15.5.2003. Under the
new pension system, each new state government employee is allotted a unique
16 digit Permanent Pension Account Number by the Accountant General Himachal
Pradesh on receipt of application from the Head of Departments/Head of office
in prescribed form. It shall be mandatory for all the new employees to become
members of the scheme. Each employee shall be required to pay a monthly
contribution equal to 10% of Basic pay, plus Dearness Pay (w.e.f 1.4.2004) plus
Interim Relief (w.e.f. 1.11.2006 & 1.10.2008), and Dearness Allowance
sanctioned by the Govt. from time to time and Non Practicing Allowance,
every month. A matching contribution equal to employee contribution is made
by the State Government every month for each employee who contributes to the
Q 12. When was the Contributory Pension Scheme introduced?
Ans. The CPS was introduced with effect from 15.5.2003 vide Notification No.
Fin (Pen) A (3)-1/96 dated 17th August, 2006.
Q 13. Who is covered by the Contributory Pension Scheme?
Ans. One is covered by the Contributory Pension Scheme if he or she
joined State government service on or after 15.5.2003, on regular basis
and if he /she is an employee of H.P.State Government.
Q 14. Who is not covered by the Contributory Pension
Ans. An employee is not covered by the Contributory Pension Scheme if
1. He/she is already covered by the Employees Provident Fund and
Miscellaneous provisions Act, 1952 and any other special Acts governing these
2. He/she joined H.P.State Government service before 15.5.2003, on
regular basis or
3. He/she is employed in a Department or on a post under which he is
not eligible to receive a pension as per terms of his/ her employment.
Q 15. If I joined State Government service on or after
15.5.2003 do I have an option of not being covered by the Contributory
Ans. No. The Contributory Pension Scheme is mandatory.
Q 16. I am covered by the Contributory Pension Rules. Do
the old Pension Rules apply to me?
Ans. No. The Central Civil Service Pension Rules (1972) do not apply to you.
You are covered only by the Contributory Pension Scheme Rules.
Q 17. I am covered by the Contributory Pension Scheme. Can
I contribute to the GPF?
Ans. No. The General Provident Fund (Central Service) Rules, 1960 do not
apply to you.
Q 18. What interest is payable on my contributions to
Contributory Pension Scheme?
Ans. Presently 8% interest is payable.
Note: For further details of Contributory
Pension Scheme, please see the website of Pension Fund Regulatory and
Development Authority www.pfrda.org.in. The different
notifications/memos./circulars pertaining to Employees Pension cases/ Pension
rules may be seen under the Pension link of Finance Department website.
The FAQs are meant to be simple a form of explaining the Rules position.
Actual notifications/instructions and Rules may be seen to understand the
correct legal interpretation of the Pension rules and instruction issued from
time to time.