Pay Scale Salary For Pay Band Pay Matrix 67000 – 79000 After 7th Pay Commission
According to the government of India, the payment for each employee is now done as per the new pay matrix which is done by multiplying the employee’s basic pay with 2.72 to be exact. This new multiplication system is done so as to keep the employees well on their feet in today’s date and time. The Government employees’ wage increases and rarely decreases but always fluctuates as per the ups and downs of the economy in the country.
So how did we arrive at the figure?
The figure has been deduced by checking the new pay matrix that has been released by the government. The commission has released a new payment scheme in the 7th CPC. Those changes have been made on the existing grade pay. Hence they will affect all the posts of all the government employees who are within the pay band of 67000 and 79000.
Basically the payment in the pay matrix will be calculated in this manner:
Step 1: By identifying the basic pay (which is a summation of the pay band and the grade pay. This will correspond to the employee as and from the date of implementation.
Step 2: Now the figure that we have obtained from step 1 will be taken and multiplied with 2.72. Whatever we obtain will be rounded off to the next whole figure.
Step 3: now we take the figure that we arrived to from the second step or we take the next higher figure which is suited for his or her pay band in that grade. If this figure obtained is less than the person’s starting pay then the pay will by default be equal to the starting pay amount.
Exceptions to this rule
If one gets promoted to the HAG pay scale of 67000-79000 after getting only one increment, then the payment from the pay band will be added to the existing grade pay. Also, to the sum of those two Rs. 2000 more will be added. This will be done until the pay is a minimum Rs. 67000 (highest Rs. 79000).
There will also be another exception if the person is promoted from the post of Deputy Secretary, under secretary or its equivalent. The pay will then be calculated by granting a sum that is 6% of the Basic pay. With this, a sum of Rs. 1000 will be added (because the difference between the grade pay of the deputy secretary and the under secretary is Rs. 1000 as per pay band 7600 and 6600).
As the 7th pay commission to be implemented very soon, the rates of gratuity of all the central govt. employees are also recommended to be revised. The existing gratuity calculation and the ceiling on the total amount earned on gratuity are fixed by the currently applicable 6th pay commission. Although the date of implementation of the 7th pay commission was been announced as 1st Jan, 2016, it will soon be implemented within few months. Gratuity is a onetime amount paid by the Govt. to its employees in case they resign or retire from the job. But he / she must complete at least 5 years of employment for being eligible to receive the gratuity. In case of death, the gratuity is provided before five years also.
Recommendations of the 7th central pay commission on gratuity ceiling
As per the recommendations of the upcoming 7th pay commission, which was scheduled to get implemented from the 1st of January, 2016, the Govt. is keen to revive the amount of gratuity ceiling for the central govt. employees. New recommendations suggest that the Govt. is going to enhance the ceiling on the total gratuity to Rs. 20 lakh per employee. So this is the maximum amount that will be paid as gratuity to employees. Gratuity ceiling means that that amount is the maximum amount that an employee might get after leaving the service within a stipulated period or after complete retirement or in case of death of employee during service. In case of death, the gratuity amount is given to the family of the employee.
What was the existing ceiling on gratuity?
As per the existing pay commission i.e. the 6th pay commission, under which the salaries, pensions and other employment benefits of the central govt. employees are decided, the gratuity ceiling is also calculated. The existing ceiling on the gratuity amount as per 6th pay commission is Rs. 10 lakh. This amount is the maximum, an employee is eligible to get after discontinuation of service. The 6th pay commission was implemented from 1st Jan, 2006. The earlier gratuity ceiling before 6th pay commission was Rs. 3.5 lakh.
Increasing Gratuity simultaneously with Dearness Allowance
The pay commission has got several suggestions regarding the increment of the gratuity simultaneously with the increment of DA of the central govt. employees. The gratuity index should be calculated according to the percentage of DA which is admissible at the time of retirement of the employee. As per the 7th pay commission, the Govt. might implement the rule of increasing the gratuity with increasing DA. As per the recommendations, a 50 per cent increase in DA might bring a 25 per cent increase in the total gratuity at the time of retirement of the central govt. employee.
Pension Rules where the terms of gratuity are explained
The gratuity related explanations and rules are described in the CCS rules or commonly known as the Pension rules, applicable for the central govt. employees. The calculations of the gratuity are explained in the CCS Rule book’s, Rule 49 and Rule 50. There are slabs of service years mentioned along with the rate of gratuity of the central govt. employees for gratuity calculation in these rules.
Gratuity in case of death of central govt. employee
In case of death of the central govt. employee while in service, they family of the employee is eligible to get the gratuity amount which will be calculated as per the latest rules explained in the pay commission. The death gratuity is calculated as per the length of service and the monthly emoluments which means the basic salary added with DA, ration allowance, transport allowance and others. There are separate slabs of service periods defined by the Govt. and the death gratuity calculation base on those slabs.
Calculations of gratuity in case of death
As per the current 6th pay commission, in case of death of the employee before one year of service, the rate of gratuity admissible is twice of the monthly emoluments. There are four slabs on the lengths of service according to which the rate of gratuity in case of death are being calculated. The second slab is in case of death between 1 – 5 years of service. Here the gratuity amount will be the monthly emoluments, multiplied by 6. The third slab of service period is 5 – 20 years. Here, 12 times of the net monthly emoluments will be provided as gratuity. The last slab is service period of 20 years or more service. Here if the employee dies after doing 20 years of service, for every 6 months, half the monthly emoluments will be taken for consideration to calculate the total death gratuity. A maximum of 33 times of monthly emoluments in total might be considered for death gratuity calculation.
Recommendations of the 7th pay commission regarding calculation of death gratuity
The third slab of length of service which was earlier 5 years – 20 years is recommended to be broken down in the new 7th pay commission and an added slab will be introduced in between. This will become beneficial for those govt. employees who’s service period was between the latter half of the existing slab. As per 7th pay commission, if the length of service is 5 years to 11 years, then the death gratuity will be month emoluments, multiplied by 12. And further, if the length of service is more than 11 years and within 20 years, the death gratuity calculated will be the monthly emoluments multiplied by 20.
6th pay commission death gratuity calculations
7th pay commission death gratuity calculations
Period of service
Amount of death gratuity
Period of service
Amount of death gratuity
1 year or less
2 times of Monthly Emoluments
1 year or less
2 times of Monthly Emoluments
1 year – 5 years
6 times of Monthly Emoluments
1 year – 5 years
6 times of Monthly Emoluments
5 years – 20 years
12 times of Monthly Emoluments
5 years – 11 years
12 times of Monthly Emoluments
More than 20 years
Maximum of 33 times of monthly emoluments (Half month of emoluments for every 6 months of service)
11 years – 20 years
20 times of Monthly Emoluments
More than 20 years
Maximum of 33 times of monthly emoluments (Half month of emoluments for every 6 months of service)
Why there was a need to change the gratuity rates and calculations in 7th pay commission?
As per several recommendations and suggestions, there were several anomalies on the existing gratuity rates and ceiling of the central govt. employees. Earlier the total ceiling on gratuity of the central govt. employees was Rs. 10 lakh only. This was considered to be not serving the purpose of death gratuity. The gratuity amount was higher for the higher ranked officers as they had a high rate of monthly emoluments. The consideration of the DA with the gratuity was not there too. There was also a need to revise the slabs of the period of service. The 5 years to 20 years service period slab needed to revise as it was not very beneficial to the employees regarding gratuity calculations.
IAS or Indian Administrative Service is one of the most prestigious and highest civil services in India. IAS officers work under Central, State and other public sector and public undertaking units. The pay scale, allowances and perks of the IAS officer is also very high compare to other civil service officers. There are diverse ranks in Indian civil services where an IAS officer can join and serves the duty. On the basis of the ranks and positions the pay scale and perks are being decided. Some of the allowances are common and are given to all the IAS officers. Here in this post you will get the detailed information about the pay scale of various ranks of IAS.
IAS pay scale salary
An IAS officer is one the three Indian leading civil services such as Police force, Forest services and finally Indian Administrative services. The pay scale of an IAS officer (junior) generally started form Rs. 15, 600/- and can be maximum of Rs. 90, 000/- per month including the grade pay and such.
As mentioned there are several ranks and positions in Union and State government where an IAS officer can work, so depending on them the pay scale is being set. On an average an IAS officer draws Rs. 51, 000/- including grade pay, and house rent allowance, dearness allowance and travel allowance.
It is said that every year there is chance of hike in salary of an IAS officer by 3% and hike in DA by 10% that means an officer can receive double salary in every 7 years of his/her service life.
IAS grade Pay
On the basis of the ranks and positions the grade pay are different for each IAS officers.
For a junior time scale officers the grade pay is Rs. 5400/-. Sub divisional managers and assistant director of governmental department are the posts under this rank.
For a senior time scale officers the grade pay is Rs. 6600/-. District managers and collectors are the officers under this rank.
For a junior administrative officer the grade pay will be Rs. 7600/-. Head of several government department and special secretary are the posts under this rank.
For a selection grade officers the grade pay will be Rs. 8700/-. The posts like Secretary to the ministry are considered under this rank. It takes at least 12 years to reach there for an IAS officer.
For a super time scale officer the grade pay will also be Rs. 8700/- but some of the luckiest and brightest super time scale officers get Rs. 12, 000/- as grade pay.
The apex officers don’t receive any grade pay. They draw a fixed salary of Rs. 80, 000/- and some higher officers draw basic salary of Rs. 90, 000/-. These are fixed.
There are immense numbers of ranks and positions for an IAS officer. As mentioned that an IAS officer can work under union, state or any public undertaking organisations in higher positions. On the basis of ranking, in general there are few positions that can be mentioned here.
Junior Time Scale: Sub-divisional managers, assistant director in governmental departments are the junior time scale rank.
Senior Time Scale: Additional District Magistrates, Additional Deputy Commissioners, Junior Secretary to Deputy Secretary of Central Government and Junior to Deputy Secretary of State Government are the posts in this rank.
Junior Administrative Grade: District Magistrates, Deputy Commissioner, Deputy Secretary of GoI and such.
Selection Grade: special secretary in state government or director in union government.
Super Time Scale: divisional commissioner, Secretary in state government, joint secretary in union government.
Senior to Super Time Scale: principal secretary to state government, additional secretary to union government.
Apex Scale: chief secretary of the states and various ministries of the Union government.
Cabinet secretary: the senior most and highest position for an IAS officer. Cabinet Secretary of India is the post under this grade. It takes at least 35 years of service to reach here.
IAS facility Allowances and Perks
As said that IAS is said to be the premier civil service under government, the allowances and perks that are given to them are also quite attractive. Along with high pay scale these following allowances are being provided to the officers. The allowances and perks include:
Currently after 6th pay commission the entry level pay scale for an IAS officer is Rs. 15, 600/- to Rs. 39, 100/- along with grade pay of Rs. 5400/-. But as per the 7th pay commission the salary gets raised for the entry level officer. According to the speculation after the 7th pay commission the entry level pay scale for an officer will be from Rs. 29, 900/- to Rs. 1, 04, 400/- per month along with raised grade pay Rs. 16, 200/-. These are average figures and subject to be changed.
After announcement of benefits for upper division Clarks, there are a number of queries and concerns being raised by several central government employees. The major thing that most of the employee in this grade is concerned is about how they are going to be paid if the grades in various levels of lower division Clarks have been merged with that of the higher division Clarks from Rs. 2400 & 2800. There are still some of the things left unexplained about how the differentiation is going to work when the grades has been merged into a single category.
Table discusses the interesting facts of 7th CPC Report
Interesting and Unknown Facts of 7th Pay Commission Report
With the respect to the stats released by 7th CPC, around 18% of vacancies are to be filled in central government offices
Highest Central Employees Strength
According to the statistics, railway has the largest employee’s strength of around 13 Lakhs followed by Ministry of affairs with over 9 Lakh employees.
Ratio of Employees under Central Government Civil Post Categories
With 3 categories of Group A, B and C. Group C – About 88% of employees works in lower ranks, In Group B – About 9% employees works in middle management position, and in Group A – About 3% employees works in Senior Management position.
Suggested Pay hike by 7th CPC Report
As per the 7th CPC Report, about 23.55% pay hike recommended for government employees.
Benefits Under 7th Pay Commission
One thing that is very sharply pinpointed in the 7th pay commission for upper division Clarks is the increment and promotion every year. The most important point of demarcation is that needs clarification most of this category employees. It is quite unclear about how employee is going to be scrutinized for further levels and how the segregation will work out. As per the terms and conditions of the grade pay, it is very clear about one point that the pension scheme has been changed to the minimum scheme rather than the way employees are fixing the breakup of salary towards pension.
As the minimum criteria has been fixed for upper division clerks about how much they have to contribute towards pension, there is no point for employee to go minimum beyond a point. It is both beneficial and non beneficial as there are some employee who are in necessity to contribute against their will to the minimum level. Terms are not clear about the grades that are coming under this category at some point; the grade pay for both lower division Clarks and upper division Clarks seems to be the same.
Gram Dak Sevak GDS BMP employee Grade Pay Pay scale Salary Under 7th Pay Commission
The pay commission has been recently asked to treat the Gramin Dak Sewaks (GDS) as civil servants. So they are at par with the central government employees in all aspects. This is why the commission has brought special notice to the GDS.
Why did this happen?
This was done because the government had previously held that the GDS will not be held at par with the other central government employees. They were kept outside the union of the Civil services. Of course there was a buzz about this policy recently among the GDS and they decided to appeal to the government to life this system.
What was worse? The Supreme Court had the rule earlier that the GDs will not be civilian employees.
What is the current status of the GDS?
As per a thorough analysis, the current scenario is:
A GDS works only for 4-5 hours during the day as per the terms and conditions for the service.
A GDS almost always needs to have another source of income to support his or her family
The salary of a GDS is carried out by Time Related Continuity Allowance (TRCA).
They are also eligible for a DA on a pro rata basis
A GDS functions as an extra agent in the department of posts and is mainly located in the rural areas.
What is the new pay scale for the GDS BMP?
3 hours: Gross salary Rs. 6012
3 hours 30 minutes: Gross Salary Rs. 7008
4 hours: Gross salary Rs. 8015
5 hours: Rs. 10,019
So let us take a quick recap of the things that we have learnt here:
Why did this happen?
This was done because the government had previously held that the GDS will not be held at par with the other central government employees.
What is the current status of the GDS?
· A GDS works only for 4-5 hours during the day as per the terms and conditions for the service.
· A GDS almost always needs to have another source of income to support his or her family
· The salary of a GDS is carried out by Time Related Continuity Allowance (TRCA).
· They are also eligible for a DA on a pro rata basis
· A GDS functions as an extra agent in the department of posts and is mainly located in the rural areas.
Indian Air force Pay scale| Salary| Air force Grade Pay| Air force Rank| Air force Allowance| Air force Perks|Air force Benefits Under 7th Pay Commission
The Indian Air Force is one of the major three wings of the Indian Armed Forces which was incorporated in the year 1932. The other two wing being the army and the navy. The air force defends the Indian airspace. Being an important part of the country and defending India and its people, the service done by the employees of Air Force is commendable. For their service they are also paid well so as to keep their family happy and protected. Along with honor and pride, the employees of the Air Force also draw a good salary, which they totally deserve. And with the salary they are also eligible for many allowances and perks which the government provides them. The government keeps the salary and allowances of the Air Force up to date. Here is a detailed analysis of Air Force Employee’s pay-scale.
Indian air force Pay Scale|salary
The pay scale of the Indian Air Force is based upon the rank of the officer, the area of posting, branch, and the designation of the officer.
Amount to be paid per month
Grade Pay, which is applicable for all, but differs with grade of each officer
Rs.3200 in metro cities and Rs.1600 in other cities and towns
Also for the flying staff there is an allowance called the Flying allowance which various with the position of the flying staff. The Flying staff would include Flying Officer, Flying Lieutenant, Squadron Leader, Wing Commander, Group Captain, and Air Commodore. Each of them having a different flying pay.
Indian air force grade pay
Like all other central government employees, the grade pay system is also applicable to the Air Force officers. It is a fixed pay that is given to the employees on the basis of the grade of their job. In the Air Force, there are Pay Band according to which the grade pay is decided. Each band has a different grade pay. For example the Flying Officer falls into Band Pb-3 and the grade pay is Rs.5400 whereas the Air Marshal falls into Band Pb-4 and the grade pay for this band is Rs.12000.
Indian air force rank
The monthly salary of the Air Force officer depends on his or her position. For instance the Air Commodore draws a monthly salary of Rs.13125 apart from the grade pay and the band pay. Similarly the Wing Commander draws a salary of Rs.17500 monthly apart from the other allowances.
Monthly Salary In INR
India air force allowance
In the Indian Air Force experience is very important. This is the reason the pay scale of any officer increases as he or she gains experience. The salary of the officers depends on the branch that they belong to and as the officer gains experience, the pay increases. For the officers having an experience of 5 to 9 years the salary should be Rs.895050 lakhs in a years, for experience of 10 to 19 years. Likewise the benefits and perks of the officers also increase with experience.
Indian air force Perks
There are many perks that the Air Force officers are eligible for. The facilities includes life-long pensions, housing facilities, a vehicle depending on the grade and rank of the officer, free education of the children of the officer, travel concessions, paid leaves, free medical facilities, insurance and low rates of loan, fixed work hours, further study facilities, and many other facilities. The benefits of the officers totally depends on the band of the officers and also the experience of the officers. But some basic benefits are applicable for all the Air Force officers.
India air force benefits under 7th pay commission
Under the 7th pay commission the retirement benefits of the Air Force officers have been increased. Also the basic pay of the officers has been increased. For the grades of the officers the basic pay has been increased which means that the Grade Pay will increase. Also the travel allowance facilities of the officers has been increased. There have also been modifications made for the allowance of overtimes and night duty for all the officers. Apart from that allowances provided for the education of the children of the Air Force Officers have been increased.
Handicapped Allowance|Rules|Eligibility|Tax Exemption|Benefits Under 7th Pay Commission
Handicapped allowance is one of such financial help that physically disabled employees receive from their employers. Mostly these allowances are given to those people who are working under central government, state government or government under taking organisations. There is a fixed rate of allowance is allotted to every disable employee. The amount of the allowance depends on the salary that employee draws and also the rate of allowance depend on the nature of disability. The most important allowance under the handicapped allowance is transportation cost. People who are physically disabled such as blind or other body parts are provided travel allowances.
According to the law, person with disabilities act, 1995 disability or handicapped means a person with following physical and mental disorders
Mental retarded or mentally imbalanced person
Blindness or person with low vision
Leprosy cured and loco motor disability
Person with Hearing problems and other physical disabilities
According to this act, employees with such disabilities will get a financial assistant on the basis of their basic pay scale as handicapped allowances. Mainly as mentioned that only people working under governmental organisations are eligible to draw such allowance from their employers.
Handicapped allowance – Eligibility
The main eligibility criteria for receiving handicapped allowance is one has to be an employee of any of the governmental organisation (state or central) or any public sector units or government undertaking firms. The other eligibilities are
Person has to be a salaried employee
Has to be a permanent employee
He/she must have following disabilities such as blindness, low vision, loco motor disability, hearing impairing and mental illness and so on.
The disability rate has to be minimum 40% for a person.
All these eligibility criteria must be considered to receive the handicapped allowance form the employers.
Handicapped allowance – tax exemption
No tax is levied on handicapped allowance. As per the IT act, the maximum amount of the allowance for a differently able person is Rs. 50, 000/- per year. If the concerning person is seriously disabled then the amount is Rs. 1, 00, 000/- annually. Both the amounts will not be recorded under any tax, especially income tax payment.
Also the amount mentioned here will be considered as the upper limit of medical expenses for a person with various disabilities. The expenses incurred due to medical treatment and such can also be reimbursed from the employer but in this case no income tax will be levied on the amount.
Transport allowance for the handicaps
People who are orthopedically handicapped are eligible to receive transport allowance which is little different from the normal transport allowance by the employers.
For an ordinary employee the TA is half of what a disabled employee receives as travel allowance. The minimum amount that a disabled employee will receive as TA will be Rs. 1000/-, DA will be same for all.
Handicapped allowance for central and state government employees
Employees who are working under central or state government organisation and drawing normal DA patter pay scale are being paid a double rate of conveyance allowances due to their disability. People who are orthopedically and visually 40% minimum disable, are eligible to receive such allowance along with other normal dearness allowances. The amount is paid on the basis of their basic salary.
Handicapped allowance for the bank employees
As per the guideline of the 7th pay commission the travel allowance for the differently able bank employees has increased from Rs. 200/- per month to Rs. 400/- per month. All the physically handicapped (blind or other) must be as mentioned minimum 40% disable or 50% permanently disable people will get this hiked travel allowances on the basis of their basic pay scale.
Handicapped allowance – 7th pay commissions
The 7th CPC has revised the handicapped allowance for all men as well as women. Special women who are differently able often face a lot of problem to raise their children will get Rs. 3000/- instead of Rs. 1500/- as special handicapped allowance. Transport allowances are also being doubled after the 7th CPC and it got hiked to Rs. 2250/- per month from Rs. 1000/- per month. For differently able children the educational allowances have become double the previous amount. Other facilities like leave, medical treatment and so on are also there.
Navy Pay Scale|Salary|Grade|Rank|Allowance|Perks|Benefits Under 7th pay Commission
Indian Navy, the fifth largest armed force in the world, represents the naval branch of IAF. It is one of the largest armed forces in India. Millions of people work under several positions in Navy where the president of India holds the rank of Supreme Commander. Along with the pay scale, grade pay and allowances for naval officers, they also get quite a bunch of attractive perks as well. Recently in 7th pay commission the perks and benefits of Indian navy officers are being revised and added more benefits to their pay scale to encourage more youth to join Navy as well as value their immense contribution to protect our country.
Indian Navy pay-scale, salary
Indian Navy is one of the largest armed forces in the world. It is obvious that the pay scale for the officers will be high and handsome. Like other armed forces, here in Indian Navy the pay scale depends on the different ranks and designations. The lowest pay scale in Indian Navy official ranks is starting from Rs. 15,600/-. The lieutenant draws the salary of minimum Rs. 15, 600/- and maximum of Rs. 39, 100/-. It depends on the service of the employee.
On the other, the highest rank in the Indian Navy is Admiral Rank, where officers draw a basic pay scale of Rs. 90, 000/- per month. These officers don’t receive any grade pay. The mentioned amount is their basic pay scale. Unlike other ranks Admiral Officers don’t fall under any pay band.
Indian navy grade pay
The grade pay is paid to the officers who work under different pay bands. From the rank Sub Lieutenant to Rear Admiral Officers, each one receives Grade Pay. The lowest grade pay starts from the amount Rs. 5,400/-. It is paid to the officers who hold the rank of Sub Lieutenant. After that, the immediate senior rank Lieutenant receives grade pay of Rs. 6,100/-, the Lieutenant commander, immediate senior to Lieutenant gets grade pay of Rs. 6,500/-.
Other officers such as Commander, Captain and Commodore receive the grade pay of RS. 8,000/-, Rs. 8,700/- and Rs. 8,900/- respectively. Finally the Rear Admiral Officer receives the maximum grade pay of Rs. 10, 000/-.
Indian navy rank
Indian Navy, like other armed forces in India, has many ranks and posts where millions of people work. There are 9 leading officer ranks under Indian Navy where several people work to serve the country. These 9 ranks are
Sub-lieutenant: It is the junior rank. In Navy, sub-lieutenants work as junior military officers.
Lieutenants: Immediate senior of the sub-lieutenants. But it is also a junior rank. Lieutenants are called the junior commissioners.
Lieutenant commander: senior to lieutenants and said to be the commissioned rank officers.
Commander: air force officer rank, commander officers are senior to lieutenant commanders.
Captain: one of the most prestigious ranks in Navy. It is equivalent to Colonel in Indian Army.
Commodore: senior to the rank Captain. One commodore can be the in-charge of more than one ship.
Rear Admiral: another senior commissioned officer rank in Navy. Rear Admirals are the lowest ranks in Admiral Post.
Vice Admiral: senior to rear admiral and a flag officer rank.
Admiral: the highest and senior most rank in naval force.
Indian navy allowance
Like other armed forces in India, Indian Navy officers also get several allowances along with basic pay scale. Along with ordinary allowances such as house, transport and uniform, there are several more allowances like submarine, flying, diving, technical, instructional, hard area, sea going and Marcos. The allowances are different as per the different categories. The rate of allowance is starting from Rs. 600/- per month to Rs. 24, 000/- per month on the basis of ranks.
Indian navy perks
Along with basic pay scale and allowances the Indian Naval Officers receive quite attractive perks. The perks are also given on the basis of the ranks of the officers. The basic perks provided to the officers are as follows:
Sports, Club and Mess facility
Free medical treatment facility for the officer and his/her family
Furnished accommodation in government property
Paid leave for 60 days per year
Paid casual leave for 20 days per year
Up to 300 days leave encashment
Benefits after pension
All these perks are being provided to the several officers under several ranks. The perks and the rates change due to several ranks. Of course the higher ranking officers get maximum benefits whereas junior officers get lower than the former. Especially the location and the area of the accommodation differ due to different rankings.
Indian navy benefits under 7th pay commission
In 7th Pay commission the authority has revised some of the issues related to Naval Officers. It is said that if an officer is posted to dangerous areas, his allowances should be higher than ordinary hardship allowances. On the other there is a revised rate for “one rank one pension” category. Previously the budget allocated for OROP was Rs. 500 crore which the BJP government has raised to nearly Rs. 7,500 crore. After 7th CPC the budget has again increased to Rs. 10, 500 crores. Also the retirement age for senior ranks under Indian Navy has revised in 7th CPC.
House Building Allowance|House Building Advance|Rules|Form|Interest Rate Calculator Under 7th Pay Commission
Indian Government has always been come up with many housing development schemes for the people of this country. In last few months The GoI has started many housing development projects and schemes across the country for the countrymen. Not only for the common people but from early years government has taken so many initiatives for their employees as well. The House Building Allowance and Advance scheme is one such initiative taken for the government’s employees across the country. Under this scheme, a government employee (either state or central) can get a loan to build his / her own house or flat or living space. There will be much lesser interest rates to be paid for the advancement than the market rate.
House Building Allowance Rules, Eligibility
To get the house building allowance one needs to fulfil following eligibility criteria.
The main criterion is the person needs to be a permanent employee under state or central government.
If the person is not a permanent but a temporary one, then he / she needs to provide at least 10 years of service before applying for the HBA.
The HBA will be provided to the employees once in their entire service life.
If both the husband and wife are working under governmental organisation and are equally eligible for the HBA then as per the rules of HBA only one of them will get the allowance for building the house.
There are several rules and regulations under the HBA scheme. Some of the rules are as follows
House Building Allowance Application Form
The ownership of the land or house must be transparent. The ownership title should be on the employee’s name or spouse’s name.
The applicant or his / her spouse should not own house, flat or any land while applying for the HBA. If they have a minor and the minor has ownership of any house or land then also the person will not be eligible to apply for the loan.
The loan or advances can be used to build a house, flat or living space or a land on which the house will be built.
Only government employees (permanent or temporary with 10 years’ service) will get the allowance.
A 12 pages application form needs to be filled up and submitted to apply for the HBA. The application form is available online and offline as well. Details such as name, address, designation, branch, pay band, DA, special allowance, date of birth and many other are needed to enter. The form consists of different categories for the purpose of allowance such as buying a plot or building a house or repairing a house etc.
House Building Allowance For Central government employees
HBA is specially introduced for the government employees only. People who work under state government or central government are eligible for the house building advance. The interest rate, repayment time and the loan amount all are much more relaxed than that of other market housing loans. If the government employee (either state or central) is a permanent employee, he/she will get the advance easily at any time of service. But if the applicant is a temporary employee then he/she must have provided at least 10 years’ of service before applying for the house building advance.
After 7th CPC these rules can be changed as the authority proposed to reduce the time span to 5 years from 10 years for the temporary employees. Also if both the spouses are working under the government then both should have received the advance.
House Building Advance Rules, Form
The rules are same as House Building Allowance for Advance. The application form for HB Advance is widely available in commercial banks and also one can download and submit them online.
House Building Advance Seniority list
Seniority list under HBA is the list of senior applicants who have registered for the advance. The revised and state wise list is available in online. To get the list of senior registered applicants follow the link
As mentioned the interest rate for this house building advance is much lesser for the government employees than the market rate. The interest rates are as follows
For the amount of Rs. 50, 000/- and below, the rate of interest will be 6% for the employees
For the amount of Rs. 1, 50, 000/- and below, the rate of interest will be 6.5% for the employees
For the amount of Rs. 5, 00, 000/- and below, the rate of interest will be 8.5% for the employees
For the amount of Rs. 7, 50, 000/- and below, the rate of interest will be 9.5% for the employees
The maximum amount of advance under this scheme is Rs. 7, 50,000/- which is also said to be changed after 7th CPC, as t was too less to build a house today.
House Building Advance Interest rate calculator
The interest rate is given above. According to this rate the interest and loan amount is being calculated. For instance if an employee draws salary of Rs. 5,000/-, he/she will be able to receive HBA of Rs. 1, 70, 000/- (34 times of pay scale). As mentioned, the rate of interest above Rs. 1, 50, 000/- is 8.5%. So the applicant has to pay 8.5% per annum on Rs. 1, 70,000/-.
HBA – at a glance
Government employee (permanent & temporary)
For Temporary employee: Years of service-minimum 10 years. For permanent employee: anytime of service.
Minimum 6% and maximum 9.5%
Building houses, buying plots for house, Repairing existing houses
Accident Allowance is a financial help that is provided to the employees for occurrence of unfortunate incidents during service. For instance, railways or manufacturing units or places where employees can meet an accidents easily while working, provide accident allowance to the employees. Accident benefits are paid to any employee who is working under governmental organisation, public sector units, and railways and also under other industries as well. Any injuries or accidents that cause disability fall under accident allowance. A salaried employee who met any injuries at work or during work related activity is eligible for receiving the accident allowance. It depends on the degree of injury and circumstances. Different accidental cases receive different allowance.
What is accident allowance?
By definition, accident allowance means that if a worker gets injured or becomes disabled at work or during any training program related to work, he / she will receive a financial help from the employee. This financial aid or help is called the accident allowance. This allowance is only paid to those who are unable to continue working due to severe injury.
For instance, industrial labour, if a labour, during manufacturing or production process gets injured heavily and becomes disabled he will get an accident allowance for the rest of his life as now on he will not be able to work.
Accident Allowance eligibility
To receive the accident allowance the beneficiary needs to be an active worker with the employer. Other important eligibility criteria are
He person has to be a salaried employee in the organisation
The person must be working when the injury or accidents takes place, i.e. accident has to be work related.
The person must be under employment training or something like that.
One thing must be noted here that not all injuries are covered under accident allowance. This allowance will only be paid if the concerning person gets disabled and unable to continue work anymore. Running staff in Railways and other mechanics, industry mechanics and labours who work under accidental prone circumstances are allotted the accident allowance in India.
Accident Allowance in Railways
In Indian Railways, there are so many employees are working who can meet an accident at any point of time during their service. One such designation is running staffs. Generally running staffs are those who are involved in duties related to moving train. Before joining the job as running staff, the employer makes sure that they are well trained as the job demands extra care and activity.
In recent assessment year, 7th CPC has declared a salary hike for the running staffs in Railway department. According to the 7th pay commission declaration 30% of the basic pay will be given to the staffs as an allowance. Other than accident allowance, this 30% include overtime, leave, medical treatment and much more issues.
Industry Accident allowance
Industry accident allowance is something that is payable to the employees who get injured at work in industry level. As mentioned that an industry which is involved in manufacturing products or something like that offer accident allowance to the employees.
Governmental organisations, PSUs and other industries provide accident benefits to their injured labours that are unable to work due to such unfortunate events. Mostly the amount of the allowance depends on the basic pay of the concerning employee. Also there are some other points like nature of accidents, whether the injury is permanent or not, for how long the person will be disabled and so on.
The biggest industry in India is the Railways where a lot of people work and quite a large number of people get injured. That is why CPC has declared hiked accident allowance for the railway staff.