Submission to Minister for Communications and IT
Budget 2022 has big programme for Post Offices that all 150,000 post offices in India will be connected to the core banking system that will enable people to access their account online and also transfer money within post office accounts and to other banks. It is very good programme for rural and urban areas. Without any prejudice it is brought to kind notice that staffs at the post offices are not customer friendly. They require proper training before induction for regular job. Mindset is still on old working methods. Many accounts are getting closed due to KYC updates. People have moved from old place to new place due to work and their addresses have changed in Aadhaar. Post Office still requires local address for updates resulting in closure of accounts. It is submitted that address can be updated in post office accounts as per Aadhaar irrespective of the account place. Three IDs are sufficient for opening and maintaining accounts_ Aadhaar, PAN and mobile number. Mobile numbers are working on all India bases. As long as person is in India he can open account anywhere in the country with address given in Aadhaar without local address insistence. Otherwise local and permanent address can be noted and one of them should be according to Aadhaar address. Some post office staff advise open account in your area post office. Now post offices are going to be connected to CBS on all India basis. Staffs have to be friendly with customers for any success. A simple thing has to be still implemented. As per Income Tax, no TDS to be deducted from Sr. Citizens account (SCSS) for interest up to Rs. 50,000/- without submitting Form 15 H. But still TDS is getting deducted even less than Rs. 50000/ interest. They insist for submission of Form 15 H. This can be implemented through centralised software without interaction of local staff of post office. So any staff should not be able to tinker with TDS ruling which should be uniform for all Sr. Citizens. These are basic things which affect the success of post offices. For achieving desired results one has to change the things for proper working.
Naveen
Naveen