LIST OF EMPLOYEE BENEFITS IN NATIONAL INSURANCE

HOTEL CHARGES Major cities Area I CLASS Scale VI & VII Scale IV &V Scale II&III Scale I Class II Class III Class IV 4000 2500 1500 1000 900 800 700 2000 1500 1000 750 675 600 525 Other places 1750 1300 800 500 450 400 350

Major cities: Ahmedabad, Mumbai, Bangalore, Calcutta, Area I : Pune, Nagpur, Kanpur, Surat, Jaipur and Lucknow, Vizag, HALTING ALLOWANCE A Class city B Class C Class city city Scale IV to VII Scale I to III Dev Officers Sr Asst/Steno Asst/RC Sub Staff 600 550 400 400 350 300 550 500 300 300 250 200 500 400 250 250 200 150

A class cities : Mumbai, Navimumbai, Kolkata, New Delhi, Faridabad, Ghaziabad, Noida, Gurgaon, Chennai, Agra, Ahmedabad, Bangalore, Bhopal, Coimbatore, Gandhinagar, Goa, Hyderabad, Indore, Jaipur, Kanpur, Kochi, Lucknow, Ludhiana, M adurai, Nagpur, Patna B Class Cities: Agartala, Amaravati, Aizwal, Aligarh, Allahabad, Amritsar, Asansol, Aurangabad, Blgaum Bhavnagar, Bhubaneswar, Bikaner, Chandigarh, Cuttack, Dehradun, Dhanabad, Durg Bhilai, ok, Guwahati, Gorakhpur, Guntur, Gwalior, Hubli, Imphal, Itanagar

C CLASS CITIES: ALL OTHER PLACES

Brief case limits Scale VI & above Scale IV, V and above Scale II &III Scale I Dev Officer The above limit is inclusive of Sales Tax and other suppl. Taxes. The frequency of the reimbursement is 3 years Honorarium for Internal and external faculty for training Officers from our Industry : Outside faculty 2500 2150 1850 1500 850

Rs.200/- per 90 min session Rs.500/- per 90 min session

MCRE Scheme (80:20) Conv.Scheme 2002 CMD GM Scale V &VI Scale V other than incharges DM/BM/ Mngr in charge of RNTB, Dev in charge at RO 80% of actuals sub to max 100 ltrs Quarterly limits No limit 375 300 250 Metro: 250 A class 225 B class 180 C Class 150

Replacement of tyres & tubes: under 80:20 scheme under 2002 scheme Replacement of batteries 80:20 scheme 2002 Scheme

80% of cost of after every Salvage 300

After 32000 KM run of the car

80% of cost after 18 months from d.o.p.

Salvage Rs.150/After 18 months from date of purchase

LTS
Officers 01/01/odd year to 31/12/even year All other employees 01/01/even year to 31/12/odd year A C Sleeper railway for 2000 KMs Fares include charges for sleeper berths and reservation charges. The employee and his family members may travel together or separately in 2 groups Family means spouse, dependent children and dependent parents residing with employee LTS cane be carried forward to the immediate next block Partial carrying of LTS to next block is not allowed LTS can be in the vehicles regd in employee's name/his spouse or in hired ones as pr EL encashment for all 01/01/even year to 31/12/ odd year Min requirement for encashment: to avail EL for a cont. period of 15 days TRANSFER BENEFITS
OFFICERS TRANSFER GRANT ONE MONTH BASIC SALARY HALTING ALLOWANCE FOR 30 DAYS FOR C CLASS CITY

Transportation charges Scale IV and above Actuals, sub max for 90 qntls by goods train Scale I to III Actuals, sub max for 60 qntls by goods train PACKING AND FORWARDING CHARGESW Packing charges: Scale VI and above 2500 Scale IV & V 1800 AM/AO/AAO 1500

Forwarding charges

500/- at each end

SUPERVISORY CLERICAL AND SUBORDINATE STAFF

Transportation charges Employees drawing salary Over 5780/- 36013600/5780/- below 30 qtls 25 qtls 15 qtls 10 7.5 5

With family Without family

Packing charges 500 500 350 Transfer grant 1000 750 500 RATE OF TRANSPORT Distance in Kilometers Rate per km Rs. Upto 2000 KM 1.40ps Above 2000 KM 1.10ps Second trip may be allowed for transfers other than request transfers
VEHICLE LOANS-OFFICERS

Two wheelers Scale I & II Four wheelers Scale IV & V

No of times

Full value-appr. make max. Rs.50,000/Full value-appr. make max. Rs.250000/-

3 3

VEHICLE LOANS-CLASS III & IV Two wheelers 80% of purchase price max Rs.25000/-

DEVELOPMENT OFFICERS- VEHICLE LOAN PETROL CARS 325000 DIESEL CARS 375000 NO EXTRA CHARGE FOR INBUILT AC TO BE BORNE BY DEV OFFICER. Fixed conveyance allowance to Officers assigned with field duties For AAO/AO using their own two wheelers For AAO/AO using their own four wheelers LEASE NORMS Limit Carpet Metros A Class B Class C Class area 75 3965 3490 2950 2500 75 3965 3490 2950 2500 100 5080 4470 3575 3305 100 5080 4470 3575 3305 125 6095 5385 4025 3400 150 5485 4830 3860 NA 200 5485 NA NA NA 600 sqft 1710 1505 1360 1290 2.5% of Basic pay at the min of the scale 10% in A,B,C and 25% in Metros 400 500

Scale I Scale II Scale III Scale IV Scale V Scale VI Scale VII Sr Asst Licence fee Relaxation

Mileage Allowance on official tours undertaken by Type of vehicle Per k.m.as % of Petrol prices/ltr. For Cars (Petrol) 12% For Cars (Diesel) 15% For 2 wheelers 5% HOUSE BUILDING LOAN LIMITS CADRE

SCHEME LOaN

Sub-staff Record Clerk Assistant Sr Asst/Steno Dev Officer Gr II Dev Officer Gr I Scale I&II Scale III Scale IV&V Scale VI Scale VII & above

1.75 2.25 2.75 2.75 2.75 2.75 3.25 3.65 4.00 4.00 4.00

SUPPL TOTAL EMENT LOAN ARY LOAN 2.25 4.00 2.75 5.00 3.25 6.00 3.25 6.00 3.25 6.00 3.75 6.50 3.75 7.00 4.35 8.00 4.50 8.50 5.00 9.00 6.00 10.00

Rate of Int on Supplementry loan 7.5 P F LOAN REASONS FOR REFUNDABLE PF LOAN SANCTION 1 Marriages of dependent relatives 2 Funerals, ceremonies 3 Illness of the employee or his family members 4 Cost of higher education of the dependent children 5 Cost of passage to a place out of India by employee/his family 6 Cost of building a house or purchasing a site, flat etc. (renovation/repairs is not allowed.) REASONS FOR NONREFUNDABLE PF LOAN SANCTION 1 Only for housing purposes ex: Purchase of a dwelling/site/house/ flat/apartment. 2 Additional construction/extension(excluding repairs or alterations), Cost of registration, stamp duty etc. QUANTUM OF LOAN: 1 FOR MARRIAGE PURPOSE 6 MONTHS BASIC+DA+FPA+PP 2 OTHER THAN FOR MARRIAGE 3 MONTHS BASIC+DA+FPA+PP 3 HOUSING PURPOSE ENTIRE AMOUNT OF THE BALANCE OF PF OWN CONTRI. (WHETHER REFUNDABLE OR NONREFUNDABLE. RECOVERY TERMS 1 For marriage only Maximum 48 equated monthly instalments 2 Other than marriage Maximum 24 equated monthly instalments RATE OF INTEREST 13% ON REDUCED BALANCE METHOD NO LOAN IS PAYABLE OUT OF VPF OR COMPANY'S CONTRIBUTION OF PF

VOLUNTARY PROVIDENT FUND One can make additional contribution in multiples of hundreds, but max is equivalent to Co.'s INCLUSION OF VPF From first month of every quarter ie., April, July, October and January Only 1st April of subsequent accounting Dis continue VPF or to alter LEAVES CASUALLEAVE

ADDITIONAL RESTRICTED EARNED LEAVE

SICK LEAVE

12 No Half day Casual Leaves Maximum CLs can be availed at a time : 5 days No Additional Casual Leaves 2 Restricted holidays chosen among the declared RHs 1 DAY FOR EVERY 11 DAYS of duty Duty shall mean period of service but not shall include the periods of Min leave to be availed 7 days and Maximum 120 days Maximum accumulation 240 days CA may sanction EL of shorter duration twice in a calender year 30 days Half Paycredit for completed calender year service Max Accumulation 240 days Appln, should be supported by Doctor Prescription

SPECIAL SICK NOT EXCEEDING 6 MONTHS PROVIDED NO SICK LEAVE CREDIT LEAVE FOR 8 ADMISSIBLE FOR DISEASES LIKE MAJOR DISEASES Cancer, Leprosy, TB, Paralysis, Brain Tumer, Cardiac Ailment, Kidney

MATERNITY LEAVE: EXAMINATION LEAVE QUARANTINE

FEMALE EMP HAVING < 3 LIVING CHILDREN ARE ELIGIBLE ENTITLED FOR MATERNITY LEAVE OF 180 DAYS IN CASE OF MISCARRIAGE ENTITLED FOR 6 WEEKS TO ATTEND EXAMS CONDUCTED BY iii, Chartered Institute of Actuaries, Institute of Chartered Accountants of India and Institute of IF infectious disease in the household of an employee is present for Cholera, Smaall Pox, Plague, Diphtheria, Typhus Fever and Chicken Pox is not considered for quarantime leave. The duration of LOP 3 months in one occasion and 6 months during the entire period of service

LEAVE ON LOSS

ENTITLEMENT TELEPHONE CALLS OFFICERS Scale VI &VII Scale V DMs/BMs DEVELOPMENT OFFICERS Premium income for the preceding year Not exceeding Rs. 3 lacs Exceeding Rs.3 lacs but not exceding Rs. 8 lacs Exceeding Rs.8 lacs but not exceding Rs.12 lacs Exceeding Rs.12 lacs but not exceding Rs. 20 lacs Exceeding Rs.20 lacs but not exceding Rs. 30 lacs Exceeding 30 lacs
ADVANCES

NO LIMIT 3150+free calls 2750+free calls

No. of calls

2750 3250 3750 4500 4750 5000 7000/13000 11000

FLLOD/CYCLONE ADVANCE FESTIVAL ADVANCE OFFICERS DEV OFF., SUP/ CLERICAL

MEDICAL BENEFITS DOMICILLIARY BENEFIT PAYABLE IN LUMPSUM

Basic Amount >20350 upto 20350 Class II- Grade I Grade II Class III &IV

Max Amt

Basic <10750 Basic>10750

6000 4000 1500 2400 1500 2000

CATEGORISATION UNDER GROUP MEDICLAIM POLICY

Categor y sum Insured I II III

110000 70000 70000

Basic Pay Range 18671 above 14731 18670 upto 14730

GROUP SAVINGS LINKED INSURANCE SCHEME EMPLOYEES COVERED PREMIUMS PD BY EMP FOR

CAT I ii iii iv v vi

BASIC SALARy 30176 ABOVE 22681 30174 16386 22679 8825 16384 4855 8824 below 4855

Life Savings cover Life cover pre. Total pre. 700000 100 300 400 560000 80 240 320 420000 60 180 240 280000 40 120 160 110000 47 141 188 70000 26 78 104

BENEFITS UNDER THE POLICY:

On death whilst in service : Life cover together with member's savings On retirement or leaving : Return of member's savings accumulation with
GROUP TERM INSURANCE SCHEME (APPLICABLE ONLY FOR EMPLOYEES OPTED FOR PENSION) LIFE COVER LIFE PREMIUM CAT BASIC SALARIES I 30175 above 400000 100 ii 22680 30174 320000 80 iii 16385 22679 240000 60 iv 8825 16384 160000 40 v 4855 8824 110000 27.5 vi BELOW 4855 70000 17.5 MONTHLY ALLOWANCE PAYABLE FOR IN CHARGES OF TRAINING CENTRES DESIGNATION ELIGIBLE ALLOWANCE PRINCIPAL 1200/FACULTY MEMBER, NCIL 700/PRINCIPAL, RTC 600/ATC IN CHARGE 400/LOKADALATH ALLOWANCE PAYABLE WITHIN MUNICIPAL LIMITS 1000 OUTSIDE MUNICIPAL LIMITS 500 + Tour Exps.

REVISED FSO-1997- UPDATED

DESIGNATION SCALE-1 SCHALE-2 DEPARTMENT FIRE, IAR M.CARGO M.HULL MOTOR OD CLAIM SETTL. SURVEYOR APPOINTMENT MOTOR TP AWARD MOTOR TP L.A. ENGG MISC. JB , BB P. A. in all related Policies MISC.OTHERS ALL LIABILITY CLMS AVIATION GUARANTEE BOND EXGRATIA COMPROMISE NON TP NON-STD % => REFUNDS SALVAGE DISPOSAL SUR/INVST FEES EXP NOT COVERED ADV/LEG FEE-NON TP ADV/LEG FEE-TPNFL ADV/LEG FEE-TP-FL REINSURANCE DEPT FRESH CONTRACTS CANCEL-CONTRACTS RENEWAL-CONTRACTS SIGNING DOC-RI CASH CLMS&REL EXP RENDERING-A/CS SETTLEMENT-A/CS REFUNDS CO-INSURANCE SURVEY/RESEARCH PROJECT RELATED EXPENSES REIMBURSEMENT TO GIC/OTHER CO. CO-INSURANCE SETTL.-A/CS RURAL INSURANCE DEPARTMENT EXP. ON FIARS/MELAS/EXIHI. PURCHASE OF EAR TAGS EAR TAGS FIXING&VET.DR FEE ESTATE AND ESTABLISHMENT DEPT. PRINTING & STNRY OIC OIC 50,000 25,000 10,000 15,000 7,500 10,000 5,000 20,000 10,000 1,25,000 1,00,000 30,000 45,000 22,500 20,000 10,000 60,000 30,000 SCHALE-3 10,00,000 7,00,000 1,12,500 1,50,000 2,00,000 5,00,000 1,50,000 10,00,000 1,50,000 3,00,000 1,50,000 1,50,000 SCHALE-4 15,00,000 10,00,000 2,25,000 2,50,000 3,00,000 8,00,000 3,00,000 15,00,000 3,00,000 6,00,000 3,00,000 3,00,000

NIL 500 -

20% NIL 2,000 10,000 BMACTUALS 1,000 AS PER NORMS AS PER NORMS

25% 20% 10,00,000 5,00,000 ACTUALS 2,500

33.33% 25% 15,00,000 25,00,000

5,000

1,50,000

ACTUALS 4,50,000 ACTUALS 3,000 ACTUALS

7,50,000 ACTUALS 5,000

500

2,000

ACTUALS ACTUALS 15,000 1,000 10,000

OIC OIC 500

5000 500 1,000

30,000 2,000 20,000

CARTAGE,FREIGHT,RENT,POSTAL CHRGS,PACKING EXP., RATES AND TAXES, POLICY STMPS, REV. STMPS,SUNDRY COMM.,UNIFORM WASH CHRGS,ELE CHRGS and expenses for office upkeep and maintenance MAINTENANCE REPAIR&RENEW. ALL MOVABLES EXCEPT VEHICLES IMMOVABLES & VEH.OWNED BY CO VEHICLES UNDER LOAN SCHEME PREMISES RENT HIRE CHARGES-SUNDRY ASSTS TELEPHONE&TELEX/FAX EXP. SALE OF OLD NEWSPAPERS/JOUR. HIRE CHRGS FOR GENERATOR PMNTS. TO HIRED WATERMAN/SEC.GURDS INT.FUR. -COST OF CABINS, FALSE CEILINGS PERSONNEL DEPARTMENT SALARY & ALLOWANCES, LTS,LEAVE ENCASHMENT & ALL AUTHORISED DED. OF SALARY OVERTIME WAGES EX-GRATIA/BONUS TO EMP. ADVANCES TO EMP INCL OF HBL & VEH LOANS GRANT TO EMBS, STAFF RECREATION SPORTS CLUB SUBSIDY TO PF TRUST TERMINAL DUES - EMPLOYEES EXP SHARED BY GIC FOR RECRUITMENTS/SPEVENTS DOCTORS FEE FOR PRE-EMP MEDICAL CHECK UP OTHER EXP REL. TO RECRUIT. TRAVELLING AND HALTING ALLOW INC OF ADVANCES TRANG EXP- COURSE FEE HONORARIUM TO FACULTY ACCOUNTS DEPARTMENT BANK CHARGES WRITE OFF-LOSSES FROM MISAPPROPRIATION BAD DEBTS BOOKVALUE OF ASSETS EXCEPT MONIES REC. INTERBANK TRANS/INTEROFF TRANSF. & BOOK TRANSF. REFUND OF SEC DEPOSIT EXC OF GUA. DEPT. PAYMENTS TO FORMER SHAREHOLDERS AUDIT FEES-SAT. AUDITORS AUDIT FEES-TAX AUDIT ETC. DEPRECIATION - ASSETS INVESTMENT DEPARTMENT BUYING AND SELLING SHARES,BONDS & REL EXP. ITEMS COVERED BY GIC ITEMS NOT COVERED BY GIC EXP-DEMATERIAL. OF SCRIPS

1,000 1,000

2,000 2,000 2,000 ACTUALS 3,000 ACTUALS

10,000 15,000 5,000 ACTUALS ACTUALS 1,000 10,000

20,000 30,000 10,000

OIC 2,000 OIC

2,000 20,000 5,000

ACTUALS ACTUALS ACTUALS ACTUALS

ACTUALS ACTUALS ON APPROVAL OF CA ACTUALS ACTUALS ACTUALS ACTUALS ACTUALS ACTUALS ACTUALS 2,000

5,000 15,000

1,000 2,000 ACTUALS ACTUALS ACTUALS ACTUALS 750 1,500

5,000

7,500

15,000

OIC OIC

ACTUALS ACTUALS

ACTUALS ACTUALS ACTUALS ACTUALS ACTUALS ACTUALS 5,000 ACTUALS

ACTUALS

GENERAL POWERS APPLICABLE TO ALL DEPTS LOCAL CONVEYANCE 100 COMPROMISE SUITS EXCEPT UNDER POLICIES REPLENISHMENT-IMPREST A/CS OIC STATUTORY PAYMENTS PYMNT-EMD &OTHER DEPOSITS OIC PUBLICATION EXP-PREMISESETC. EXP-PUBLISH.-HOUSE MAGZINES ADVT&PUB-BUSI. PROMO.EXP EXP -GIC-SP PROGRAMMES AGENCY COMMISSION PYMNT OIC I.TAX DEDUCT-AG COMMIS. ACTUALS DONATIONS & CHARITIES CONT. TO LPA,TAC,NIA.III DIRECTOR,S FEES EXP-MEETINGS,WORKSHOPS ENTERTAINMENT EXP GUEST HOUSE/TRAN. CAMP EXP LEASING PREMISES-OFFICE/RES INS-MOVABLE&IMMOV. PROP ACTUALS LEGAL CHARGES OIC PROF.FEE-SURVEYORS OTHER THAN CLMS PURCHASE-LIBRARY BOOKS PUR-NEWSPAPERS,JOURNALS ACTUALS MED EXP-EMERGENCY-EMP. ACTUALS MISC EXP-PURCHASE-STAMPS 500 CAPITAL EXPENDITURE (OTHER THAN IT/MS GROUP) IMMOVABLE PROPERTIES COMMITTEE CONSISTS CMD PURCHSE-RES./OFFICE PROP. ADD/ALTER.-EXISTING PROPERTY PURCHASE/SALE/REPAIRS MOVA. PROP EX:LIGHTS,FANS MOTOR VEH. INC 2 WHEELERS IT/MANAGEMENT SER GROUP COMPUTER CONSUM.-PURCHASE AMC-COMPUTERS &COMP.EQUIP. IT PROJ. IMP FEES PUR.-SOFTWARE APPLI., UTILI. CONSULTING FEES TRNG, TECH WORKSHOPS SITE PREP.&INSTLLN. COMPUTERS& IT EQUIP HONORARIUM-FACULTY-TRNG PURCHASE AND SALE OF COMPUTERS/NETWORKING EQUIP.

200 ACTUALS ACTUALS

500

1,000

ACTUALS ACTUALS 2,000 ACTUALS

5,000

ACTUALS

ACTUALS

ACTUALS ACTUALS 2,000 ACTUALS ACTUALS 1,000

2,000

5,000

15,000

5,000

15,000 15,000 25,000 25,000 25,000

ACTUALS 25,000

NOTE : IN RESPECT OF ALL PACKAGE POLICIES, THE FINANCIAL AUTHORITY IS APPLICABLE AS PER THE DEPT IN IN CASE OF MOTOR TP L.A. DCC AND RCC LIMITS ARE THE LIMITS OF DICC AND RICC.

O-1997- UPDATED
DCC SCHALE-5 RCC DGM GM CMD HCC

30,00,000 40,00,000 15,00,000 30,00,000 5,00,000 7,50,000 3,50,000 6,00,000 5,00,000 8,00,000 12,00,000 15,00,000 10,00,000 500000 30,00,000 40,00,000 5,00,000 7,50,000 10,00,000 15,00,000 5,00,000 7,50,000 5,00,000 7,50,000 5,00,000

40% 50% 40% 50% 25,00,000 ACTUALS 50,00,000

80,00,000 1,00,00,000 2,00,00,000 4,00,00,000 ACTUALS 50,00,000 75,00,000 1,50,00,000 3,00,00,000 ACTUALS 15,00,000 30,00,000 75,00,000 1,50,00,000 ACTUALS 7,50,000 10,00,000 20,00,000 30,00,000 ACTUALS 10,00,000 15,00,000 20,00,000 30,00,000 ACTUALS 20,00,000 25,00,000 40,00,000 75,00,000 ACTUALS 5,00,000 1800000 ACTUALS 80,00,000 1,00,00,000 2,00,00,000 4,00,00,000 ACTUALS 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS 18,00,000 25,00,000 75,00,000 2,00,00,000 ACTUALS 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS 9,00,000 12,00,000 30,00,000 75,00,000 ACTUALS 20,00,000 50,00,000 1,00,00,000 5,00,00,000 ACTUALS 50,00,000 1,00,00,000 2,00,00,000 ACTUALS 25000 1,00,000 UNLMTD(BOARD) 60% 70% 80% 90% 100% 60% 70% 80% 90% 100% ACTUALS ACTUALS ACTUALS

ACTUALS ACTUALS

ACTUALS ACTUALS ACTUALS 15,00,000 ACTUALS

50,000

1,00,000

5,00,000

ACTUALS

25,000 ACTUALS

75,000

1,50,000

ACTUALS ACTUALS ACTUALS

ACTUALS 1,00,000 20,000 ACTUALS 50,000 ACTUALS

5,000 ACTUALS ACTUALS ACTUALS 25,000

10,000

ACTUALS

50,000

2,00,000

10,00,000

50,00,000

10,000

ACTUALS ACTUALS

ACTUALS 20,000 OIC ACTUALS

10,000

20,000

ACTUALS ACTUALS

ACTUALS ACTUALS

HO-

ACTUALS 20,000 15,000 ACTUALS 50,000

50,000

ACTUALS ACTUALS

ACTUALS ACTUALS 10,000 3,000 ACTUALS 30,000 7,500 50,000 50,000 ACTUALS ACTUALS 1,00,000 2,00,000 BRD-ACTUALS

10,000 3,000

25,000 ACTUALS ACTUALS ACTUALS

10,000

50,000

50,000 40,000 1,50,000 50,000 50,000 50,000 50,000 50,000 50,000 50,000

2,00,000 2,00,000 3,00,000 1,50,000 1,50,000 1,00,000 1,00,000 1,00,000 1,00,000 1,00,000

15,00,000 15,00,000 5,00,000

50,00,000 50,00,000 15,00,000

BRD1,00,00,000 BRD-ACTUALS

5,00,000 20,00,000 ACTUALS 5,00,000 5,00,000 5,00,000 5,00,000 5,00,000 5,00,000 5,00,000 10,00,000 15,00,000 15,00,000 25,00,000 15,00,000 ACTUALS 15,00,000

BOARD> 15,00,000 BOARD> 15,00,000 BOARD >25,00,000 BOARD> 15,00,000 BOARD> 15,00,000 BOARD >25,00,000

50,000

1,00,000

10,00,000

25,00,000

CABLE AS PER THE DEPT IN WHICH THE CLAIM ARISES.

NATINSURE MUTUAL BENEFIT SOCIETY LIST OF BENEFITS

BENEFIT BASIS QUANTUM 1 Reimbursement of Cost of Text Books of the Children of the members. Studying in classes :a) Upto Xth Std./Level 600/b) Above Xth Std./Level 600/(Maximum of R.600/-Payable once in an academic year) more than one child is entitled to get the benefit. per year per member in case

2 Award to Children i) Madhyamik/S.S.C or H.S.C./Intermidiate/Equivalent Examination a) On securing above 50% marks 100/b) On securing above 65% marks 180/ii) B.A./B.SC./B.Com from recognised University. a) On securing above 50% marks b) On securing above 65% marks iii) Medical/Engineering Degree course: On securing above 60% marks 400/(Max 400/- per year per member) 3 Relief for Higher Education ( for promising children of the members) On passing with minimum 60% marks in three consecutive years i.e Class VIII, IX & Madhyamik/ S.S.C./ S.S.L.C.( Xth Std.) Examination or class X,XI & H.S.C. (XII th std.) Examination and studying in next higher class :a) In Arts / Commerce Stream (i.e in class XI or in Degree Course) b) In Science Stream (i.e in class XI or in Degree Course) c) Medical / Engineering stream under Degree Course 4 Reimbursement of I.I.I. Examination Fees. On successfurl completion of the entire/ part of I.I.I. Exam. i.e. Licentiate/ Associateship/ Fellowship 5 Educational Relief to Sub-staff On passing SSC and HSC (10+2) ( Only once during the service period ) 500/600/800/-

150 225

ACTUALS

200/-

6 Reimbursement of Cost of Educational Equipment for Special Child For the Special Children of the members studying in Special 900/Institutions e.g. Spastic Society of India etc., having registration under I.T. Act, for the purpose of exemption.

7 Training in Craft & Typing Only fees payable to member/his wife unmarried daughter / dependent mother

100/-

8 Reimbursement of Hospitalisation and Operation Expenses On staying as inpatient the following are the benefits. For Ordinary Diseases/Surgery 2000/For Maternity Expenses only 1000/For Dreaded Disease as per list of the Co. 3000/To and fro AC-2 Tier Rly. Fare for patient Meternity Claim, only the exp. incurred during Hospitalisation, once in life time. For treatment of Dreaded Disease(as Members will have to claim at the first instance from the Co against Exgratia Medical Reimb under Mediclaim /any other sscheme and the residual amount the member can claim from the society. 9 Grant for Healthy Sports activities ( Foot-ball, Cricket, Volley/ Basket ball, Badminton,T.T/ Lawn Tennis, Swimming, atheletics etc. ) For members, spouse and their dependent children a) For Representing Country 2500/b) For Representing State 1000/c) For Representing District 500/d) For Representing University 500/10 Funeral Grant On death of a Member as funeral expenses 1000/11 Retirement Memento For Retired Members as token of good wishes 600/12 Supplementary Death Relief Scheme Payable to the P.F. nominee/s of the deceased member who is enrolled under this optional scheme on collection of Rs. 5/- per 13 Retirement Benefit Scheme Payable to the retired member who is enrolled under this on collection of Rs.m2/- per member

50,000/-

optional scheme 13,000/approx.

14 Holiday Home Facility The 9 holiday homes of NMBS : Puri, Goa, Nainital, Ooty, Hardwar, Gangtok, Varanasi,Panchmar and Mount Abu Members can apply for booking in prescribed form maximum 90 days in advance for a period of 5 days from 1st to 5th, 6th to 10th, 11th to 15th, 16th to 20th, 21st to 25th and 26th to 30th/31st of every month Room Rent: For members and their family: Rs. 10/- per day per room. (Minimum Rs.50/- for a period of 5 days booking) For accompanying guests: Rs. 50/- per guest per day. 15 Holiday Home Travelling Fare To & fro journey rail/bus fare by shortest route from nearest stationto the place of holiday home for membr, spouse, dep. Children and dep parents cost of max four full sleeper 2 nd class rly tickets inc of reserv. Charges. Once in 5 years in a particular place. 16 Holiday home for retired members Retired Members can enjoy NMBS Holiday Homes.

There is no provision for reimbursement of travelling fare for visiting holiday homes Room Rent Rs.50/- per day and max. 250/- per 5 days booking. Security deposit Rs.500/-

SURVEY AND LEGAL FEE SCHEDULE

FIRE AND ENGINEERING SURVEY FEE SCHEDULE ASSESSED LOSS SURVEY FEES Up to 50,000/8% of assessed loss sub min. 1,250/50,001 to 1,00,000/4,000/- +2% on bal above 50,000/1,00,000 to 10,00,000/5,000/- +1.5% on bal above 1,00,000/10,00,001 to 25,00,000/18,500/- +1.25% on bal above 10,00,000/25,00,001 to 50,00,000/37,250/- +1.00% on balance above 25,00,000/50,00,001 to 1,00,00,000 62,750/- +0.75% on bal above 50,00,000/1,00,00,001 to 5,00,00,000/1,00,250/- +0.35% on bal above 1,00,00,000/Above 5,00,00,001/2,40,250/- +0.10% on bal above 5 cr min 6 lacs

LOSS OF PROFIT
ASSESSED LOSS Upto 5,00,000/5,00,001 to 10,00,000/10,00,001/- to 1,00,00,000/Above 1 cr. SURVEY FEES 200% of Material Damage Fees 21,000/- + 150% of fees for Mat. Dam. on bal amt > Rs. 5 lacs 37,125/- +100% of fees for Mat. Dam. On bal amount > Rs. 10 lacs 1,36,625/- +70% of fees for Mat. Dam. Exceeding 1 cr max. 5 lacs

MOTOR SURVEY FEES

ASSESSED LOSS Up to 20,000/20,000 to 50,000/50,000/- to 1 lac 1 lac to 2 lacs Above 2 lacs Misc and Sp Type of Vehicles MARINE CARGO SURVEY FEES Cat A Damage to all types of cargoes Exceeding 5 hrs per day MAXIMUM FEE PAYABLE Not exceeding 5 hrs per day Claims of Non-delivery/shortages MISCELLANEOUS DEPARTMENT Schedule of fees Doctors Fees for Mediclim and health policies Survey fee for Total Loss Claims Valuation of vehicle Investigation for OD Claims Reinspection/Spot survey fee Reinspection/Spot sur fee above 80 KM Spot Survey fee involving overnight stay away from normal place of work S fee for services of salvage handling fee and actual expenses Scale of Fire & Engg survey fees 500 75% OF Fees prescribed for normal claims 500 500/- + out of pocket expenses 350 500/150% of scale 5% of value realised 3,500/35,000/1,750/1,750/Cat B 2,500/25,000/1,250/1,250/Cat B 1,500/15,000/750/750/SURVEY FEES 500 750 1000 1500 2000/- +0.5% of balance. Max. 3,000/Scale of Fire and Engg Scales

Preliminary Survey fee Joint Survey Fee Fees payable to the surveyors where assessment of loss not required Appearance in a court/tribunal/ombudsman/consumer forum etc.per day Additional Fees to be payabvle at the discretion of the Company for special efforts reuired for assessing loss in respect of complicated claim, payment of additional fees is as follows CONVEYANCE EXPENSES Local Conveyance within local Municipality

Rs. 3000/-irres of surveyor cadre. 133.33% of schedule Category A Category B Category C AGM GM HCC 4000/3,000/2,000/150% OF Survey Fees 200% of the survey fees Exceeding 200% of survey fees.

A Class cities Other places

300/200/-

For trips outside municipal limits Distance travelled <350 kms 15% of local litre petrol cost In Own car Distance travelled >350 kms Prior approval of appnt auth BY Taxi Prior approval required. actual taxi fare sub max mileage allowance To be fixed by the appointing authority By own 2 wheeler Category A surveyors Air (Econo)/AC II Tier By Train Category B and C Surveyors AC II tier For trips outside municipal limits 15% of litre petrol cost per km sub to min. of Rs. 125/-. Category A surveyors Air (Econo)/AC II Tier Reimbursement on actual Category B and C Surveyors AC II tier basis subject to a maximum HOTEL CHARGES Maximum Allowable : For stay in ITDC hotel or 3 star AC single room HALTING ALLOWANCE per day Class A City Class B city Class C city Period exceeding 12 hours Period 6 hours to 12 hours Period below 6 hours Photograph charges Colour photograph Digital photograph

500 400 300 same as for one day 50% of one day allowance 30% of one day allowance

10 15

T P CLAIMS
INVESTIGATORS' FEES 1000/-+conveyance expenses by public transport DL VER FEE DL VER FEE WITHOUT END 300 DL ver fee with endts. 400 ADVOCATE FEE IN SUITS AND MARINE RECOVERY CASES Suit value fees to be paid Upto 10,000/10% of the claim amount 10000 to 20,000/1000+7% of the claim amount 20000 to 50,000/1700+5% of the claim amount

Above 50,000/-

3200+2% on the balance claim

ADVOCATE FEE STRUCTURE IN MOPS

A CLASS CITIES B CLASS CITIES C CLASS CITIES 6000 5000 4000

For cases of multiple cases arising out of same accident First case 100% For second case 50% Rest of cases 20%

For settlement in LOK ADALATH

Clm settl. After filing WS in court Clm settl. Before filing WS in court For legal opinion in respect of TP cases For TP Property Damages (TPPD) Where liability is up to Rs.6000/Where liability exceeds Rs.6000/WC COURT CASES ADVOCATE FEES ADVOCATE FEES- CONSUMER FORUMS In Metros 6000/- inc of exp. Other cities 5000/- inc of exp State Forum 7500/-+10% clerkage +exp Expenses: for co preferred cases 2000/preferred against the co. 1000/Petition filed by the Co 15000/- +10% clerkage &act. Exp Petition against the Co. 12000/-+ 10% clerkage+act. Exp. In case of Multiple cases National Commission (NCDRC) First case 100% Second case 50% Rest of cases 10% HIGH COURT APPEAL AGAINST MACT AWARDS 7500/15000/-+10% CLERKAGE & ACT. EXP. Multiple cases SUPREME COURTAGAINST DECISIONS First case 100% OF NCDRC &MACT AWARDS Second case 50% Rest of cases 10% District Forum GENERAL GUIDELINES If case is dismissed 50% +25% addnl at discretion of GM/RM 100% of the fees 75% of the fees 1000/-

2000/- + actual exp max. 500/Fees as oer MACT schedule 4000/- +EXP MAX 500/-

SURVEYORS ELIGIBILITY AND DO LIMITS FOR APPOINTMEN SURVEYORS LIMITS DEPARTMENT LOP FIRE ENGG MOTOR MISC. (OTHERS) MARINE CARGO MARINE HULL MISC,JB, BB & LIA PA IN ALL RELATED POL CAT-A CAT-B CAT-C AO 0 OFFICE

>5000000 <5000000 nil >2000000 <2000000 >750000 >200000 >750000 >750000 <750000 <200000 <750000 <750000

500000 125000 200000 100000 300000 20000 45000 30000

300000 100000 50000 0 10000 60000

>1000000 <1000000

S FOR APPOINTMENT OFFICE LIMITS AM DY M DCC

1000000 1500000 3000000 1000000 1500000 3000000 1000000 1500000 3000000 200000 150000 300000 300000 500000 500000

700000 1000000 1500000 112500 150000 300000 225000 300000 500000 500000

600000 1000000

RISK ACCEPTANCE LIMITS

DEPARTMENT FIRE DEPARTMENT
DWELLINGS, OFFICES,HOTELS, SHOPS ETC UNDER SEC. III OF AIFT GODOWNS AND WAREHOUSES UNDER SECTION VI OF AIFT INDUSTRIAL AND MNFG. RISKS UNDER SEC IV OF AIFT LISTED RISKS COTTON GINNING & PRESSING FACTORY COLD STORAGE RISKS TIMBER LOGS IN OPEN IN FOREST DEPOTS PETROCHEMICAL RISKS NUCLEAR POWER STATIONSNIL CLOP (FIRE)EXCEPT PETROCHEMICAL RISKS CLOP(FIRE)PETROCHEMICAL RISKS ENGINEERING DEPARTMENT PROJ INS(SCE/MCE/CAR) MACHINERY INS OTHER THAN COLD STORAGE

B.O.

D.O.

R.O.

10 CR UNLIMITED 25 CR UNLIMITED

25 CR 100 CR NIL PML - 20 CR

UNLIMITED UNLIMITED 6 CR SUB CLMS EXP <50% UNLIMITED UNLIMITED CLMS EXP<80% UNLIMITED NIL UNLIMITED UNLIMITED 500 CR >10 CR

1 CR 5 CR

3 CR 25 CR

NIL 10 CR NIL NIL NIL 10 CR 1 CRLOCA.& 25 LAC-IND MACHINE 25 LAC 10 LAC NIL 1 CR

NIL 50 CR NIL 5 CR NIL 50 CR 10 CR

MI REL. TO COLD STORAGE W/O DOS

>25 LAC 1 CR NIL 10 CR >1 CR YES >10 CR

EEQ
A) SECTION I & II B)SECTION III CPM

DOS(POTAO) INS DOS EXCEPT POTATO BOILER & PRESSURE PLANT

MLOP&BLOP INS ALOP INSURANCE CECR INSURANCEE MARINE CARGO RISK ACCEPTANCE LIMITS INLAND TRNASIT POLCIES EXCEPT AS UNDER SPECIFIED POLICIES OF SHIPMENTS BY APPROVED AND CLASSED VESSELS SPECIFIED POLICIES OF SHIPMENTS BY NONCLASSED VESSELS SDP/OPEN POLCIES WITH PER CONEYANCE LIMIT OPEN POLCIES-IMPORT/EXPORT PER CONVEYANCE LIMITAPPROVED VESS. OPEN POLCIES-IMPORT/EXPORT PER CONVEYANCE LIMITNONAPPROVED VESS. TEA CROP POLICY DESPATCHES BY SAILING VESSELS PERSONAL EFFECTS & HOUSEHOLD GOODS FOR WIDER COVER DESPATCHES BY POST/COURIER SERVICE UNDESIRABLE RISKS AS PER LIST REJECTION RISKS INSURANCE CASHEW NUTS, TIMBERLOGS, CHICKPEAS, LENTILS

NIL NIL SINGLE BOILER 50 LAC NIL NIL NIL

50 LAC NIL ALL OTHERS NIL NIL NIL

>50LAC YES

PROV ACCEPT.

NIL
PROV ACCEPT.

1 CR

5 CR

ACTUALS

1 CR

5 CR

ACTUALS

75 LAC 100 LAC

300 LAC 500 LAC

ACTUALS ACTUALS

100 LAC

500 LAC

75 LAC ACTUALS 25 LAC

300 LAC ACTUALS 100 LAC ACTUALS

0.10 LAC 2.5 LAC NIL 2.5 LAC 25 LAC

2.5 LAC 2.5 LAC NIL 10 LAC 100LAC

ACTUALS ACTUALS NIL ACTUALS ACTUALS

SECOND HAND MACHINERY BULLION/SPECIE, JEWELLERY, DIAMOND

25 LAC 25 LAC

100 LAC 100 LAC

ACTUALS ACTUALS WITH HO RI SANCTION 100 LAC 50 LAC 50 LAC 100 LAC 100 LAC

MARINE HULL
FISHING VESSELS SAILING VESSELS INLAND VESSELS GRT<1000T BUILDER.S RISK (<100000DWT) DREDGERS(FLEET LESS THAN 10 DREDGERS AND TOTAL SI <2CR) JETTIES AND PONTOONS SHIP BREAKING RISK SHIP REPAIRERS, LIABILITY CHARTERERS LIABILITY OCEAN-GOING VESSEL MOTOR AND MISCE. DEPT. ALL RISKS BAGGAGE(PERSONAL) BANKERS INDEMNITY BURGLARY BUS.PREMISESCASH -DOSTOCK CARRIERS LEGAL LIABILITY FG-IND/COLLECTIVE PER PERSON FG-FLOATER POLCIES HORSE INSURANCE HOUSEHOLDERS INSURANCE JEWELLERS BLOCK MONEY/CASH IN SAFE MONEY/CASH IN TRANSIT PER TRANSIT PA-IND/GROUP PER PERSON PA-SHORT PERIOD UPTO 90 DAYS PUBLICLIABILITY PRODUCT LIABILITY PROFESSIONAL INDEMNITY SHOP KEEPERS INSURANCE 10 LAC 10 LAC 10 LAC NIL NIL 30 LAC 30 LAC 30 LAC 50 LAC 50 LAC

NIL NIL NIL NIL 1 LAC 1 LAC 5 LAC

30 LAC NIL NIL NIL NIL 5 LAC 5 LAC 1 CR

50 LAC 200 LAC NIL NIL NIL 20 LAC 20 LAC 10 CR 10 CR 50 CR

5 LAC 1 CR 50 LAC 10 CR 3 LAC UNLIMITED 2.50 LAC NIL 3 LAC 5 LAC 5 LAC 5 LAC 5 LAC 10 LAC 5 LAC 5 LAC 3 LAC 1 LAC 2 CR 10 LAC 2.5LAC 10 LAC 25 LAC 100 LAC 100 LAC 50 LAC 25 LAC 25 LAC 100 LAC 50 LAC 10 LAC 2 CR

25 LAC 25 LAC UNLIMITED UNLIMITED 10 CR 10 CR 5 CR 1 CR 50 LAC 10 CR 10 CR 5 CR

SP CONTINGENCY POLICY TV/VCR OTHER MISCELLANEOUS AVIATION MOTOR VEHICLES

NIL 1 LAC 5 LAC NIL 10 LAC

NIL 5 LAC 25 LAC NIL 25 LAC

NIL UNLIMITED 2 CR NIL UNLIMITED

S
H.O.

>6 CR PROPOSALS CLMS EXP>80%

YES

>500 CR

FINAL ACCEPT YES

FINAL ACCEPT.

ACTUALS

YES YES YES

> 1 CR

YES

YES