Indian Postal Orders
– Indian Postal Orders provide a convenient means of transmitting small sums of money by post.
244. Denomination of orders.
– Indian Postal Orders are available in 6 denominations starting from 50 paise upto Rs.100. The various denominations and the commission chargeable in respect thereof are as follows :-
Denomination Commission Chargeable per Postal order.
1. 50 paise, 1 Rupee & multiple of 1 rupee upto
Rs/ 10 . . . . . . 30 Paise
2. Rs. 20 . . . . . . . 60 Paise
3. Rs. 30 . . . . . . . 90 Paise
4. Rs. 40 . . . . . . . 1.20 Rupee
5. Rs. 50 . . . . . . . 1.50 Rupee
6. Rs. 100 . . . . . . 3.00 Rupees
245. Broken Amounts.
NOTE 1 - A postage stamp or stamps affixed to an Indian Postal Order presented for payment will not be regarded as defaced when it is clear that the defacement has taken place after the stamp or stamps were affixed to the order and when such defacement consists merely on the stamp or stamps being encroached upon by a portion of the issuing officer’s signature or on the date-stamp of the issuing office, or of the entries made by the payee in filling in or receipting the order or of the crossing of the bank stamp.
– To make up broken amounts not more than three unused postage stamps the total value of which must be less than Rs. 1, may be affixed on the face of Indian Postal Orders of all denominations, except Rs. 100 in the space reserved for the purpose. If one or more stamps exceeding 99 Paise in value are affixed to an Indian Postal Order, only 99 Paise or the highest aggregate value represented by any three of the stamps subject to a maximum of 99 Paise will be paid on account of those stamps. No payment will also be made for stamps which are not affixed in the space provided. Defaced stamps are not accepted for this purpose and perforated stamps are only recognized on orders presented by banks.
NOTE 2 - No payment shall be claimable in respect of any stamp use for the purpose of making up a broken amount unless it is proper stamp as envisaged in Clause 10.
NOTE 3 - The person presenting the postal order may remove those postage stamps from the postal order for which no allowance can be paid provided that there is no likelihood of fraud.
246. Offices authorized to sell and cash.
– Indian Postal Orders for fixed sums from 50 Paise to 100 Rupees, are sold either for cash or for cheque, vide clause 94(a) and (b) and paid by all head and Sub-Post Offices in India. Branch Post Offices at which application may be made for Indian Postal orders, will obtain them and deliver them to the purchaser. The Branch Post Offices may also pay postal orders after obtaining an order of payment on the postal order from the account office.
247. Entries by purchaser. –
248. Payment of Indian Postal Orders.
The purchaser of an Indian Postal Order must before parting with it fill in ink the name of the person to whom the amount is to be paid and is recommended to fill in also in ink the name of the office of payment as a precaution in case the order should be lost or stolen. If the purchaser does not know which post office is most convenient to the payee he should insert the name of the town; village or district where the payee resides. The order will then
be paid at any Head of Sub-post Office in the locality named. If the sender desires that payment should be made through a bank, he should cross the order in ink in the way in which it is usual to cross cheques. The sender may also write his name and address on the reverse of the order where provision has been made for the same.
– (1) Before a Postal Order can be paid, the name of the payee and the name of the office of payment must be filled in and the order must be properly receipted. If a Postal Order be crossed, payment will be made only through that Bank. No Indian Postal Order will be paid even though presented for payment by a Bank, unless the name of the payee be inserted in the body of the order. A crossed Indian Postal Order for payment through the Post Office Savings Bank account should be made payable at any post office within the same postal district as the post office at which the payee’s Post Office Savings bank account stands open is situated and should bear after the payee’s name the particulars of the payee’s Post Office Savings Bank account. It should be presented, duly receipted by the payee, at the post office along with the pass book of the Post Office Savings Bank account of the payee. If the value of the crossed Indian Postal Order is less than a rupee, the depositor should pay the balance in cash to make up the amount to a rupee.
(ii) Banks which have entered into an express agreement, with the Post office, particulars of which may be ascertained on application to the Head of the Circle, are entitled to obtain immediate payment of all Postal orders presented by them, whether or not such orders have been receipted by the payee and without regard to the office at which they may have been made payable.
Exception.- This rule does not apply to crossed Indian Postal orders addressed to deceased members of the Defense Services, which may be paid under the sanction of Superintendent of Post offices, a first class Postmaster or the Head of a Circle, as may be required to the Defense
Department without their passing through a bank provided a commissioned officer of the unit to which the holder belonged, or a commissioned officer of the Effects Branch at 2nd Echelon 11 Army Group or at Central Record Office, Jhansi, signs the order as the representative of the
deceased, and also signs an indemnity on the back of the order to refund the amount in the event of a claim in respect of the order being accepted at any time by the Postal Department.
NOTE :- Government offices or semi-Government offices which receive a large number of Indian Postal Orders crossed or uncrossed, may obtain payment of such orders by book adjustment. The orders duly receipted should be presented along with a prescribed form, duly filled in triplicate or quadruplicate (if presented at a sub-office) at any Head or Sub-Office which is in account with the treasury or a sub-treasury.
– The purchaser of an Indian Postal Order should fill in the particulars for which provision has been made on the counterfoil, which he should tear off and retain.
Although the possession of the counterfoil does not entitle the holder to compensation, it facilitates enquiry in the event of the order being lost.
250. Applications regarding miscarriage, loss or de struction of orders.
– All applications for enquiry in respect of miscarriage, loss or destruction of Indian Postal Orders should be made within twelve months from the last day of the month of issue, and must be made to the Superintendent of Post Offices or the First Class Postmaster in whose jurisdiction the office of issue of the order is situated and be accompanied by the counterfoil. If the counterfoil cannot be produced, the Serial No. of the Order, office of issue and date of purchase must be quoted, otherwise no claim will be entertained.
NOTE :- In such cases, refund if justified, will not be granted before the expiry of sixteen months from the last day of the month of issue of the order.
251. Altered, mutilated or incomplete orders. –
(1) If any erasure or alteration be made or if the order is not stamped or signed by the postmaster of the issuing office, or if the order is cut,defaced or mutilated, payment may be refused; and when payment is refused on any of these grounds, no refund of the order will be granted.
(2) Postmasters have authority, in case of doubt, to retain the postal order for further investigation after giving a receipt for it. The person presenting the order should furnish his name and address to the Postmaster to enable him to be contacted later.
252. Period during which orders are Payable.
– (1) If an Indian Postal Order is not presented for payment within six months from the last day of the month of issue a second commission at the rates prescribed will be charged which must be paid in postage stamps affixed to the back of the order. Those authorized to use them may pay the second commission in Service Postage Stamps.
(2) Indian Postal Orders presented for payment more than twelve months after the last days of the month of issue will not be paid but will be forfeited.
253. Repayment to Purchaser.
– The purchaser of an Indian Postal Order can obtain repayment of its value (but not the commission), on presenting the order and the counter-foil at the post office from which the order was purchased within six months from the last day of the month
of issue. He will also be entitled to repayment of its value after six months, but not after twelve months, from the last day of the month of issue provided a second commission at the rates prescribed is paid. Should the order have been crossed for payment through a Bank the purchaser must first cancel the crossing by writing across the face of the order the words, “Please pay cash” and add in his initials.
254. Responsibility of the Post Office.
– After an Indian Postal Order has once been paid to whomsoever it is paid the Post Office will not be liable for any further claim.