The Committee

Chief Patron: Shri Anil Shastri, Special Invitee, Congress Working Committee (CWC) President: A K Dixit, Vice Presidents: Mithileshwar Jha and Samuel B Johnson, General Secretary: Amlan Dash, Organising Secretary: M V Jaiprakash, Treasurer: P C Suresh Babu, Zonal Secretaries: Deep[ Kushal(North), Gautam Kumar Singh (Central), Hemant S Patil (West), S Rajagopalan (South), Shailendra Kumar (East), Anil Kumar Yadav (North East), Executive Committee Members: D K Mazumder, Dr Pradeep Parate, Sasidharan Nair, Ms Subrata Banerjee, Sudhanshu Nagwekar, Ms Urvashi Garg

Charter of Demand - Part C

Part C
Improvement in Perks and Service Conditions

1. Leave fare Concession
(i)      The entitlement for LFC should by air for all officers and at par with that prevailing in our referral organization i.e. RBI.
(ii)    Presently, LFC is provided once in two years. It may be provided once in a year.
(iii)   Tax liability of an officer for travel abroad / inland may be borne by the Bank.
(iv)  Airfare under LFC may be reimbursed on declaration basis.
(v)    Dependent parents–in–law also be allowed LFC facility.
(vi)  For dependent parents and parents–in–law, monetary ceiling to be extend to `. 10,000/- pm from all sources of income excluding pension.
(vii)     The entitlement to be based on air fare and not rail fare to all officers.
(viii)                       Entitlement should be increased in such a way that the officer at any particular office is not disadvantaged.
(ix)  LFC for children should be in full.
(x)    LFC amount should be treated as Monetary Perquisite. 
(xi)  LFC incidental be increased to three months' gross salary recoverable in 24 monthly installments.
(xii)  LFC incidental advance should be interest free.
(xiii)                       Fare for one attendant / partner on LFC should be reimbursed.
(xiv)                       Lodging and Boarding charges may be reimbursed as in the case of tours.
(xv)One additional set of LFC facility along with the hotel charges for a period of 10 days may be provided to the retiring officers and their spouse.
(xvi)                       Retired employees and their spouses should be allowed to avail LFC.
(xvii)                     Officers may be permitted to avail their LFC block within 3 months after retirement as per the existing rules relating to serving officers.
(xviii)                    An officer should be allowed multiple trips during his LFC set under the overall limit.
(xix)                       Clubbing of two LFC sets for foreign trips may be permitted.
(xx)          Clubbing of LFC sets of officer and his/her spouse working with NABARD may be permitted.
(xxi)                        Officers should be given the option to claim LFC under declaration and travel scheme separately for the family. At present officers have to avail the set either under the travel scheme or declaration. 
(xxii)                     For officers posted to north East Region and Andaman and Nicobar Islands as well as other hardship centres, incentive LFC to join spouse should be allowed once in six months.
(xxiii)                    In addition to normal LFC, foreign LFC should be introduced and officer should be allowed to avail the same once in five years of service to visit certain places/destinations.
(xxiv)                   Availment of LFC set in spells be allowed with in the overall eligibility.
(xxv)                     Officers and their family members should be allowed to have option to travel from any place to any place within India and abroad by any mode of transport including by own car and claim the reimbursement to the extent of their maximum entitlement.
2. Facilities on Transfer and placement
Transfer/placement  to another center results in discomfort to an officer and the officer has to incur expenditure in terms of changing the school/college of wards, changing addresses for various utility services (like cooking gas, credit cards, telephone, etc.), getting transfer for the spouse (if working in some other organisation), etc.  As such the following financial facilities should be extended to such officers.
i)                    Officers should be treated on tour for the first 15 days even if the flat is allotted which may be availed of by them at both the centres in two laps as per their convenience.
ii)                  Joining period be enhanced to 15 days and  be allowed to avail in 3 spells.
iii)                Intervening Saturdays/ Sundays/ Holidays may not be reckoned for counting the joining period.
iv)                The to and fro air fare incurred by the officer on transfer towards spouse accompanying him on transfer may be reimbursed.
v)                  Officers who are not shifting their families to the place of posting should be granted additional to and fro air fare once in a year so as to visit the family. Similarly, to and fro additional air fair may be granted for the family members of the officer from the place of their stay to the place of posting of officer once in a year.
vi)                Miscellaneous expenses towards incidentals should be enhanced to 3 months basic pay +DA to all officers moving with or without family. Donations required to be paid by officers for School/ College admissions of their wards in new centres may also be reimbursed.
vii)               Officers on transfer should be allowed to travel by convenient route and flight while on transfer.
viii)            Facilities available to officers transferred to offices in NE Region should be extended to NE Region officers transferred to other centres and Direct recruit officers posted to NE States.
ix)                Bank may get the approval of the Central Transport Authorities for validity of the Registration of vehicles done at one place applicable all over India.
A. Allotment of Flats
i)        Quarters/Leased Flats as per eligibility only should be allotted unless specific request is made by the officer.
ii)       Quarter should not be allotted till all repairs are carried out, painting completed and is certified as fit for occupation by a team consisting of NBOA representative.
B. Halting Allowance
i)        Officers should be granted full Halting Allowance (HA) till the allotment of the eligible flat of his or her choice and up to 7 days after allotment of flat.
ii)       HA to be paid for stay in hotel (for self and family) for four days at the old and the new centre at the time of shifting personal effects.
C. Transfer of Household goods
i)        The Bank should have tie-up with reputed transporters and should bear the responsibility of transferring the household goods of the officers on transfer.  
ii)       Insurance for the household goods should be done by the Bank.
iii)     The amount given to the officer for damages and breakages of household goods on transfer should be `. 30,000/-
D.  Relocation Allowance/Transfer Incidental
i) Officers to be given four months gross pay.
E. Local Shifting of household goods
i)        The Bank should have tie-up with reputed transporters and should bear the responsibility of transferring the household goods of the officers on transfer. This should also include cases of shifting from Bank’s quarters to officer’s own residence. 
ii)                   For local shifting, the amount for damages and breakages on transfer should be `. 15,000/-.
iii)                 For local shifting, insurance should be done by the Bank.
iv)                Two days of special casual leave may be granted for the purpose of local shifting.
3. Car Facility for Senior Officers
The scheme of Bank’s Car Facility available to Grade ‘F’ may be extended to all senior officers.
4. Reimbursement of Conveyance Expenses
The reimbursement of conveyance expenses towards petrol should be enhanced for all grades as under
Petrol per liters /per month for Car owners
Maintenance Expenses (` per month)

Reimbursement for non vehicle owners be enhanced as below

(Amt. `.) p.m.
iii) Officers owning two wheelers to be reimbursed 150 litres of petrol per month.
  • Actual Taxes and Insurance paid on the vehicle should be reimbursed fully in addition to the monthly  petrol expenses.
  • All officers irrespective of their grades should be allowed the reimbursement of Driver salary @ Rs.20000/- p.m. in addition to the petrol charges.
  • No restriction should be there for reimbursed of conveyance expenses once a valid Registration for vehicle is available.
  • The existing restriction that the place of visit to be at a minimum be 8 KM away for reimbursement of conveyance expenses on local visits may be removed. 
  • Parking charges at per hour rate on monthly basis be granted.
  • Officers attending to station duty/ protocol duty on ad hoc basis or such as other outdoor duties be reimbursed conveyance on actual basis irrespective of distance for each visit. Tea, lunch, dinner charges, including out-of-packet expenses also to be reimbursed.
5. Loans and Advances
A.      General
(i)   Officer’s loan taking ability to be reset on a yearly basis based on gross salary. This should be based on the principle of Debt Service Coverage Ratio of two. In other words the cap on the annual EMI should be half the annual estimated gross income of the officer.
(ii)  The rate of interest for all categories of loans may be pegged at 3% p.a.
(iii)Interchangeability between different categories of loans may be allowed.
(iv)                            Bank should take insurance cover on behalf of an officer for the entire loan outstanding and pay the insurance premium.
B.      Housing Loan
i)                    The quantum of housing loan to be enhanced to 150 times of pay. 
ii)                   An officer may be permitted to acquire three properties within the eligibility of fresh loan.
iii)                 Loan should be allowed to continue after retirement, upto the age of 75 years.
iv)                 The present rules for PF withdrawal for housing purposes stipulates that withdrawal is for one property only, upto 4 occasions. The above restrictions should be removed and PF withdrawal for 2nd property should be permitted.
v)                  A house maintenance allowance of `. 50,000 per annum for maintaining the properties mortgaged to the Bank may be provided.
vi)                 Restrictive provisions in housing loan rules which have disallowed officers from taking full benefit of the revision in housing loan limits in the past and left them with no choice but to buy small properties to avail of the incremental benefits as and when the limits are increased may be removed, acknowledging the fact that officers do not want to be locked into old properties. Therefore, sale of a property mortgaged to the bank after the minimum five years lock in period, should not result in recall of the housing loan against other properties. Officers who have become ineligible from availing housing loan from the bank because of this constraint should now become eligible.
vii)               There should not be any limitation of the number of instances a housing loan is availed. The only deciding factor is the officers repayment capacity and the eligible housing loan limit at any point in time.
viii)              Rate of interest on HL should be half of prevailing Bank Rate for the entire loan. The rate of interest on outstanding balance to be adjusted with every downward revision in the Bank Rate.
ix)                 The Housing Loan Rules should be reviewed and simplified so as to remove the irritants, make it simple and easy to comply.
x)                  In case of an officer dying in harness entire outstanding loan together with interest should be waived. For this purpose HL should be covered under separate group insurance scheme and the premium should be borne by the bank.
xi)                 There should not be any ceiling on the amount of withdrawal from PF balances for housing purpose including for acquisition of second house.
C.      Consumer Advance
Amount should be raised to `. 3,00,000/- and should include PC.
D.      Vehicle Advance
i)                    Quantum of Car Loan should be increased to 100% of the cost of vehicles, with a upper limit of `.10 lakh ex-show room price. Outstanding loan amount should be written down on an annual basis in sync with the insurable value of the car.
ii)                   Loan for four wheelers should not be restricted to two loans in an officer’s career.
iii)                 Two – wheeler loan to be increased to `. 1,00,000/- or 100% of the cost, whichever is lower.
iv)                 Cost of Octroi on new vehicle charged in some states should be separately reimbursed by the Bank.
v)                  Officers should be allowed to avail of both two – wheeler and four – wheeler loans.
E.       Furnishing Advance
i)                    Furnishing advance may be revised as under:

Amount (`)
2 ,25,000/-
2, 50,000/-

ii)                    Maintenance allowance of 10% of FRO amount on an annual basis to be reimbursed.
F.       Festival Advance
Two months’ gross salary to be recoverable in 10 installments.
G.     Interest Free Advance for Higher Studies
i)                    An educational grant of ` one lakhy should be provided to each officer.
ii)                   In addition, officers may be granted interest free advance amounting to ` 30 lakh and ` 50 lakh for children studying in India and abroad respectively to meet the cost of professional courses / higher studies of their children studying in India/ abroad. There should be no restriction on withdrawal and this may be allowed to be taken for more than one child within the overall ceiling.
iii)                 Education loan should include expenses on cost of books, laptops/PCs apart from tuition fees and other payments made directly to the institution.
iv)                 Education loan may also be allowed for all recognised courses conducted by reputed institutions.
H.     Disaster Advance
Officers suffering extensive damage during natural calamities may be granted interest free advance of ` One Lakh to be recovered in 60 installments.
I. Computer Advance
i) The recovery of the loan should be on depreciating cost basis as the PCs get outdated within a few years. 
ii) Second loan be granted when depreciated book value of the existing one becoming nil on notional basis or at least once in five years.
iii) Both husband and wife working in the Bank may be made eligible for grant of computer loan individually.
iv) Loan amount should include the cost of software along with the PC.
v) Tablets/I Pads should also be eligible under Computer Advance.
6. Medical Facilities

i)                    Medical expenses on declaration basis for outdoor treatment should be revised to `.10,000/ for Grade A, B and C and `.20,000/ for Grade D, E and F.
ii)                   There should be inbuilt system of automatic revision of the schedule for charges for various pathological/radiological etc. tests/examinations as and when it is revised in referral hospital -Bombay Hospital.
iii)                 Reservation of beds in Government/ Trust/ Municipal Hospitals may be made at all centres.
iv)                 Cost of equipment like collar, crutches, wheelchair, hearing aids, artificial limbs and other aids, should be reimbursed periodically in full.
v)                  Ceiling of number of days for physiotherapy and amount may be dispensed with as the life style of officer due to heavy workload has forced prolong physiotherapy.
vi)                 The charges towards medical tests not included in the schedule but recommended by attending specialists/physician should be reimbursed in full.
vii)               Prior/ post-facto permission of BMO should not be insisted.
viii)              Cost of all specialty treatments including diagnostic and therapeutic scopies, ophthalmologic laser treatments, hormonal treatment, cardiac, neurological, oncological investigations and treatments, cot of nuclear medicines, MRI/CAT etc., Scans, sonographic tests etc., be reimbursed in full.
ix)                 Ayurvedic rejuvenation treatment may be included in reimbursable facilities if undertaken in reputed Ayurveda hospitals / clinics. Cost of treatments in the Indigenous systems of medicines like Ayurveda, Siddha / Unani taken in reputed hospitals should be admitted with BMO’s endorsement of the treatment.
x)                  Glucometer (that measures the quantity blood sugar) should be issued to all diabetic patients and it should also available with all dispensaries so that officers can avail of the facility as and when necessary. Reimbursement of the cost of strips used in the 'Glucometer' should be done in full.  A box of 25 strips may be allowed during a quarter.
xi)                 Annual medical checkup be allowed to all officers irrespective of age and their spouses.
xii)               Spouses may be allowed to undergo Annual Health Check Up without age restrictions.
xiii)              All investigations / tests of the Annual Health Check Up should be decided by a panel of external specialist doctors, and should be uniform, across all centres.
xiv)             The Annual Health Check Up should include the following additional tests/ investigations: (i) comprehensive eye check-up, (ii) dental check-up, (iii)  Mammogram for female officers, (iv) Glycosylated Hb and (v) Pulmonary Function Test (PFT) which would help in early detection of health problems.
xv)               Annual Health Check Up may be allowed for all the dependents of the officers as well.
xvi)             More investigations such as stress and strain test, eyesight/refraction tests etc., and mammography for women may be included in the Annual Medical checkup scheme.
xvii)            All distinctions of medicine between curative and preventive should be dispensed with for reimbursement purposes.
xviii)          Medical facility to parents after retirement of officer should be continued as at present the parents are being treated dependent only till the officer is serving the Bank.
xix)             Orthodontic dentistry treatment to the wards of officers should be made reimbursable.
xx)               Investigations/treatment to cure Disruptive Sleep Apnoea (DSA) / snoring and other sleep disorders may be included for reimbursement.
xxi)             Chemotherapy and radiation in respect of dependent parents should be allowed at the choice of the employee as the rates are stipulated without insisting on treatment at trust and Government hospitals only.
xxii)            Treatment for Obesity to be included for treatment, since it leads to many other complicated diseases.
xxiii)          In case of emergencies requiring urgent shifting of the ailing officer to a hospital providing specialised treatment at a different place, transportation charges, including that of an attendant, should be reimbursed in full and ROs should be delegated with due powers for the purpose.
xxiv)          Cost of Pen Cartridge for insulin administration be reimbursed in full.
xxv)           Reimbursements to all the centres should be made on an actual basis, without any reference to the schedules, rather than having different schedules for different centres. In other words, bills submitted by the officer should be settled in full.
xxvi)          The requirement of taking BMO’s reference should be reduced. For example, if after taking BMO’s reference any officer consults a Specialist and the Specialist advises some Pathological/Radiological tests, then the officer should be allowed to get the test /investigations done without the requirement of approaching the BMO again for his permission for the tests. Centres where no dispensary facilities are available at staff colonies, all Vitamins etc. should be reimbursable. The restriction of number of consultations by the Specialists/ Medical practitioner should be done away with.
xxvii)        Medical facilities should be extended to the wards of retired officers up to 25 years of age if found otherwise eligible. This would benefit those officers marrying late / having late issues / having adopted child etc.
xxviii)       Medical facilities for dependent parents should be treated on par with other dependents.
xxix)          With prior permission from BMO, tests prescribed by any physician/ treating doctor of the dependent parents including consultation charges should be reimbursable or allowed to be done in some identified lab with whom the Bank can enter into an arrangement for direct settlement.
xxx)           All the vaccines purchased from the chemists and administered by the doctors should be reimbursed in full irrespective of their rates given in the schedule.
xxxi)          Charges incurred on Digital X-rays should be reimbursed at actual basis.
xxxii)        Charges incurred on allergic tests should be made reimbursable.
6 (a) Medical facilities for retired officers
i)     Retired Executive Medical Scheme (REMS) should be extended to all Officers and reimbursement under the scheme should be as under:
·   Ex- Grade F and above : 100 %
·   Ex- Grade D and Ex- Grade E : 75 %
·   Remaining Grades – 50% 
ii)     Medical facility to parents after retirement of the officer should be continued.
iii)    Medical facilities should be extended to the wards of retired officers up to 25 years of age if found otherwise eligible. This would benefit those officers marrying late / having late issues / having adopted child etc.
iv)   Consultation charges paid to the Registered Medical Practitioners and Specialist doctors should be enhanced appropriately.
v)    Expenses towards engaging Attendants and Ambulance during medical Emergencies and even for travelling to other centres (where better treatment is available) should be borne by the Bank in full.
6 (b) Spectacles / Contact lens Reimbursement
(i)      All dependents of an officer may be covered under the scheme.
(ii)    Spectacles / Contact lens should be reimbursed on an annual basis.

Amount (`)
7. Entertainment Expenses
Entertainment allowance to be suitably enhanced as under:

Entertainment Allowance
(`. per annum)
8. Outfit Allowance
All officers should be granted an outfit allowance on annual basis as under:
Outfit Allowance
Amount (`)

Laundry allowance of ` 3,000 per month to be paid to all the officers.
9. Computer Facility
(i)        Computer should be provided to all officers at their residences. It may be in the form of desktop/ laptop/ notepad etc. The computer should be replaced every 5 years or earlier by the Bank.
(ii)      Officers should also be provided with broadband / Wi-fi facility on the home computer. Else, internet /Data charges may be reimbursed.
(iii)     Internet data card with roaming facility to be provided to all eligible laptop holders.
(iv)    Tablet PC / I-pad to be provided to all senior officers.
10. Reimbursement of Crockery expenses
        Cost of Crockery should be allowed once in six months on reimbursement basis to all officers in Grades A to F.
11. Book grant / Knowledge Updatation

Book Grant / Knowledge updation allowance
Amount ( ` per month)

All  senior officers to be provided with an e-book reader.
12. Briefcase
(i)        Cost of purchase of briefcase / leather bag should be reimbursed once in two years to all the officers as under:

Briefcase/ leather bag
Amount (`)
13. Halting Allowance
i)        Halting allowance to be 50% of the Hotel Rent and to be reviewed and revised every year. Officers deputed to any place for temporary work or on tour should be granted halting allowance at full rate irrespective of the period of temporary posting / tour.
ii)       Halting allowance on foreign tour/ training may be raised to USD 500 per day for Grade D to F and USD 425 per day upto Grade C.
14. Hotel and Lodging charges
i) The hotel rent may be revised as under


State/UT Capitals & Pune
Other Centres
No ceiling – 5 to 7 Star Hotels
Other Senior Officers
No ceiling – 5 Star Hotels
All other officers
No ceiling – 4 Star Hotels

iii)     When Boarding and lodging are provided by bank like training establishments, 75% of normal halting allowance may be paid towards incidentals.
iv)     Lumpsum of Rs.500/- per tour as Miscellaneous charges to be paid in lieu of mazdoor charges.
15. Local conveyance on tour                                                                       
i)        Actual Taxi Fare as approved by the Transport Authorities/ Recognised Taxi Union/ Reputed Travel Agent may be reimbursed at Head Quarters and at Temporary Head Quarters without any ceiling on distance, while on tour.
ii)       Wherever Prepaid Taxi/ Call Taxi are engaged, actual cost as per receipt may be reimbursed in full at Head Quarters and Temporary Head Quarters.
iii)     Actual taxi fare without any ceiling on distance may be reimbursed towards daily local conveyance at Head Quarters/Temporary Head Quarters.
iv)     Sharing of conveyance for tours may not be insisted.
v)      Bank may provide AC Car facility to officers in ‘C’ and above for undertaking tour within the State.
vi)     For visits to places not connected by Air/ Rail all officers may be allowed to hire AC taxis for undertaking official visits.
vii)   For visits to places connected by Air/ Rail officers may be allowed to hire AC taxis for undertaking short official visits not exceeding 2 days.
16. Out of Pocket Expenses
i)        Officers  performing duties for more than 2 hours including lunch hour from 12 noon to 2PM at a place  away from the normal place of work may be eligible for out of pocket expenses at half the halting allowance irrespective of the distance.
ii)       Officers performing duties for more than 4 hours at a place of 25 km away from the normal place of work may be eligible for out of pocket expenses at full halting allowance irrespective of the period during which the officers were away or when the officer is returning back.
17. Compensation for late sitting
i)        Actual taxi fare apart from Rs 150/- for tea and Rs 1000/- for Lunch/Dinner.
ii)       Actual taxi fare to be reimbursed without any ceiling for sitting late one hour beyond office hours.
iii)    Amount equivalent to one day’s halting allowance at normal rate and to and fro taxi fare in full be reimbursed on  Saturday's/Sunday’s /Holidays irrespective of duration of work.
18. Telephone Charges
The Bank is paying telephone reimbursement to the officers based on number of calls in a graded manner. Apart from this, mobile charges are being paid to eligible officers. Blackberry charges and data charges are being paid to officers in Grade F. All these facilities have been clubbed under the head Telephone Charges.
                            Telephone Charges

Landline Calls per annum
Proposed entitlement for the mobile handset (`.)







i)        Telephone rental and call charges should be reimbursed to officers in terms of ‘calls per annum’ as per the chart above.
ii)       Mobile phone given to all confirmed officers once in two years along with suitable call ceilings.
iii)      Mobile/cellphone Data Charges to be reimbursed to all the officers in Grade B and above in a graded manner.
iv)     Blackberry Services may be provided to all senior officers.
v)      Mobile/cellphone roaming charges incurred by an officer on official tour abroad, to be reimbursed in full.
 19. Household Help Allowance
      The Household Help Allowance to be revised as under:-

Amount (`) per month

20. Honorarium for invigilation and supervision
        Honorarium should be paid on the following scales
i)        Invigilators -  ` 1000/- per paper
ii)       Supervisors-  `.1500/- per paper
iii)     Conductors -  `.2000/- per paper
21. Lounge
a.       Lounge facility may be provided at all offices.
b.      Lounge subsidy be enhanced to ` 200/- per day.
c.       Vending Machines for supply of tea/ coffee may be installed in all the ROs.
b        DDMs be made eligible for Lunch subsidy @  ` 250 per day
22. Monthly income of dependent parents
      Parents with monthly income upto Rs.10000/- may be made eligible to be considered as dependants.
23. Protocol / Liasioning Duty Allowance
(iii)   A minimum of `. 2000/- per day should be paid to the general side officers who are attending to protocol / liasioning duties.
(iv)  Protocol Duty allowance of `. 2000/- per day to be paid to P&SO and any linkage with number of hours be done away with.
24. Energy Charges Reimbursement
Energy charges including electricity charges, cooking gas charges, heating charges, etc.
(i)      The cost of monthly meter charges under all the energy heads as also, other fixed charges and taxes may be reimbursed separately.
(ii)    All officers may be reimbursed cost of one cooking gas cylinders per month at non-subsidised rate.
(iii)   Officers to be reimbursed electricity charges as enumerated below.
(iv)  At some centers, there is a chronic problem of load shedding, power outage, etc. At such locations, Bank should make necessary arrangement to ensure electricity supply in all residential colonies through adequate back up facilities like invertors, generator, etc.
25. Memento
Officers completing 10 years, 20 years and 30 years to be given gold coin equivalent to the weight of the number of years of service rendered in NABARD including the years in RBI be given. Memento of additional 10 grams gold coin with NABARD emblem may be presented to all officers on retirement and to the dependents of officers who have died in harness.
All officers may be given 15 grams of gold coin at the time of retirement.
26. Club Membership
      All NABARD Officers be allowed Corporate membership in Clubs at Bank’s cost and Health Club membership up to Rs 50000/-.
Officers who have retired from the services of the Bank may also be provided with the above facility.
27. Holiday Homes
i)        Arrangements with hotels of repute to be made at all places of tourist interest.
ii)       VOFs to be suitably furnished on the lines of 3-star hotel.
iii)     The facility of booking of VOF through Internet may be provided.
iv)     Preference may be given to the officers and their family members on personal visit for allotment of VOF.
v)      Transit Holiday Home may be set up at all centres where the facility is not in existence.
vi)     Health Resort/SPA may be provided at a few centres.

28. Reimbursement of Cleaning expenses
        An amount of ` 1000/-pm to officers in Gr’D’ and above and ` 800/- pm to officers in Gr ’A’, ’B’ & ‘C’ be sanctioned towards Cleaning and maintenance allowance.
 29. Facilities to BMO
        All facilities and superannuation benefits available to officers be extended to part time BMOs.
30. Accommodation
i)        Self-leasing facilities may be allowed.
ii)       Lease rentals to be revised as Rs. 10000/- for officers in Gr 'A, 'B' and 'C' and Rs.15000/ - for Grade 'D' &'E' with discretionary powers to increase by 10 % by RO-in-charges.
iii)     No ceiling to be fixed for lease rental of flat for Officer-in-charge. A flat befitting to the status of officer-in-charge in a good locality near to the office to be taken on lease irrespective of the rent.
iv)     Bank to acquire/ construct quarters at all centres for all grades as per the eligibility of each grade at least upto 80 % of the officers’ strength.
v)      The CD guidelines may be revised suitably for enhancing the eligibility of flats for different grades of officers and the facilities to be provided in staff quarters.
vi)     Officers who acquired flat/ constructed house outside the municipal limit may be made eligible for quarters according to the entitlement.
vii)   Annual maintenance of quarters may be made mandatory. A representative each of the Officer-in-charge, NBOA and Staff Quarters Welfare Association may visit all quarters annually and submit a report/ certificate regarding the maintenance.
viii)  One room in each flat in the staff quarters/ lease flat may be Air Conditioned.
ix)     Community Centres in Staff Quarters may be provided with Gym facilities.
x)      Intercom connectivity between quarters with facility for the watch man to communicate with the occupants may be provided.
xi)     The cost of replacement of bulbs/ tube lights once in a year in Staff Quarters/ lease flats may be reimbursed to the occupants.
xii)   Facilities like Acquagard, Exhaust Fan, Netlon may be provided in all quarters.
xiii)  A system of periodical review at HO of the conditions of quarters at various centres may be introduced. The NBOA representatives may be invited during such review.
xiv) A system of yearly verification of flats by a team of 3 with one representative from NBOA and giving a report on the conditions of flats/ maintenance of quarters may be introduced. The repairs, etc to be carried out in the flat may be done as per the report of the committee.
xv)   The report of the committees of the ROs and the action taken thereon may be reviewed in the HO review committee meetings.
xvi) Arrangements may be made for parking of cars in quarters. If such arrangements cannot be made, parking charges upto Rs.1000 p.m. may be reimbursed  to all officers.
xvii)                                    SRA facilities may be provided at all centres.The  facilities  provided in SRA may be reviewed and additional facilities may be provided in consultation with NBOA.
31. News Paper
i)        Officers may be reimbursed on a monthly basis the cost of 3 News papers, one in     local language, one in English and the third any financial daily.
ii)       The Magazines which are useful to NABARD may be identified in consultation with NBOA and the cost of purchase/ subscribing to two approved magazines may be reimbursed
32. Insurance
i)        A separate Group Loan Insurance Scheme may be introduced for all loans other than the Housing Loan availed by the officers so as to waive the outstanding loans of officers dying in harness are waived. The premium on the insurance should be borne by the bank.
ii)      Special insurance coverage for those working in Jammu and Srinagar offices may be raised to Rs.10 lakh.
iii)    Special insurance cover may be taken for officers posted to NE states and other disturbed districts/ area.

iv)    An Accidental Group Insurance Scheme may be introduced for the officers on tour/ training and the premium may be borne by the bank.

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