PERQUISITES

• 9th BIPARTITESETTLEMENT

• PENSION SETTLEMENT

• WELFARE MEASURES
BASIC PAY (W.E.F. 1st NOVEMBER, 2007)

Scale I 14500-600/7-18700-700/2-20100-800/7-25700
Scale II 19400-700/1-20100-800/10-28100
Scale III 25700-800/5-29700-900/2-31500
Scale IV 30600-900/4-34200-1000/2-36200
Scale V 36200-1000/2-38200-1100/2-40400
Scale VI 42000-1200/4-46800
Scale VII 46800-1300/4-52000

STAGNATION INCREMENTS (W.E.F. 1ST NOVEMBER,2007):

Scale I : First 2 increments of 800 & next two increments of 900

Scale II : Three Stagnation increments of 900 each
Scale III : Four Stagnation increments of 900 each

NOTE :
1. Officers after reaching maximum of the higher Scale shall be
eligible for stagnation increments i.e., each for every three
completed years of service.
2. Officers completed 3 years or more after receipt of 1st stagnation
increment (in case of Scale II) and 2nd stagnation increment (in
case of Scale I & II) as on 01.11.2007 will get 2nd Stagnation
increment (in case of Scale II) and 3rd stagnation increment (in case
of scale I & II) on 01.11.2007 and another stagnation increment on
or after 01.11.2008 on their completion of 6 years after receipt of
1st stagnation ( in case of Scale II) and 2nd stagnation (in case of
Scale I & III).

DEARNESS ALLOWANCE (W.E.F. 1ST NOVEMBER, 2007):

DA Rates (%) per slab (2836 points merger with Basic) - 0.15% Per Slab
for every 4 points rise over 2836 points

HOUSE RENT ALLOWANCES

Major “A” Class cities & Project area in Group A 8.5% of Pay
Other Area I & Project area centers in Group B 7.5% of Pay
Other Places 6.5% of Pay

Provided that if an officer produces a rent receipt, HRA payable to

him/her shall be the actual rent paid by him/her for the residential
accommodation in excess over 1.2% of pay in the 1st stage of pay scale
with a maximum of 150% of HRA.
CITY COMPENSOTARY ALLOWANCE
Places in Area I & in State of Goa 4% of Basic Pay, Max Rs.540/-
p.m.
Population above 5 lacs and over & 3% of Basic Pay, Max Rs.375/-
State capitals & Chandigarh, p.m.
Pondicherry & Port Blare

MEDICAL AID (W.E.F. 01.11.2007)

Scale Medical Aid Compensation on transfer (W.E.F. 01.05.2010)
for packaging, local transportation & insurance
of baggage etc.
I to III 5100 p.a. 9000
IV & 6320 p.a. 12000
above

FIXED PERSONAL PAY W.E.F. 01.11.2007

Increment component DA as on 01.11.2007 FPP if bank quarter
(A) (B) (C)
800 58 858
900 65 965
1000 72 1072
1100 79 1179
1200 86 1286
1300 94 1394
Note:
1. FPP as indicated in C for officers with bank’s accommodation.
2. FPP as indicated in A + B + HRA payable on the last increment of
relevant of pay scale for other officers.

SPECIAL AREA ALLOWANCE W.E.F. 01.11.2007: As per Joint Note

dated 27.04.2010
PART I - Rs.410 P.M. - one year after reaching the top of the
CAIIB/JAIIB scale
PART II – Rs.1030 P.M. – two years after reaching the top of
CAIIB/JAIIB the scale

DEPUTATION ALLOWANCES (W.E.F. 01.05.2010)

Deputed outside bank 7.75% of pay with max
Rs.2300/- p m
If deputed at the same place or within 4% of pay with Max
organization Rs.1200/- p.m.
HILL AND FUEL ALLOWANCES (W.E.F. 01.11.2007)
Places with an altitude of 1000 meters and 2% of pay max 550/-
above but less than 1500 Meters and Mercara p.m.
towns
Places with an altitude of 1500 meters and 205% of pay max
above but less than 3000 meters 680/- p.m.
Places with an altitude of 3000 meters and 5% of pay max 1570/-
above p.m.

HALTING ALLOWANCES ( WEF 01.05.2010)

Scale Major A Area I Other Places
I, II, III 800 700 600
Iv & Above 1000 800 700
If visited any four Metros viz Delhi, Mumbai, Kolkata and Chennai, up to
Scale I, II & III will be paid Rs.1000/- and Scale IV and above will be paid
Rs.1200/- per day.

MODE OF TRAVEL AND EXPENSES ON TRAVEL ON OFFICIAL

DUTY/TRANSFER (WEF 01.05.2010)
Scale Mode of Travel Distance above 1000 Kms
I 1 class or AC Two Tier sleeper by
st No such clause
train or by Air if permitted by
Competent Authority
II-III 1st class or AC Two Tier sleeper by By Air - economy class
train and in case distance is less
than 1000 kms, by Air-economy class
if permitted by competent authority.
IV- AC 1st class by train or by Air- No such Clause
VII economy Class

LEAVE TRAVEL CONCESSION (WEF 01.05.2010)

In a Block of 4 years, officer may travel to place of domicile in 2 years
block and in another two years to any place in India by shortest route.
Scale Mode of Travel
I 1 class or AC Two Tier sleeper by train or by Air economy
st

class. In case of ravel by Air, Reimbursement will be the actual

fare of 1st class AC of train or economy airfare which ever is
less.
II-III Distance less than 1000 kms – 1st class or AC Two Tier sleeper
by train or by Air – economy class. In case of travel by Air,
Reimbursement will be the actual fare of 1st class AC of train
or economy airfare which ever is less. 1000 Kms and above by
Air-economy class.
 IV-VII AC 1st class by train or by Air

Encashment of LFC other than Travel to Place of Domicile

Scale Distance Reimbursement (encashment of PL is allowed )
(one way)
I to III 4500 Kms 75% of fare for the eligible class of travel by
IV & 5500 Kms train as per eligibility
above

DEFINITION OF FAMILY

Spouse, wholly dependent unmarried children (including dependent step

children and legally adopted children), physically challenged
brother/sister with 40% or more disability, wholly dependent parents
ordinarily residing with and wholly dependent on the officer – wholly
dependent child/parent shall mean such member of family having
monthly income not exceeding Rs.3,500/- p.m. if income of both parents
Rs.3,500/- p.m. or the aggregate income of both the parents exceeds
Rs.3500/- p.m. both parents shall not be eligible as dependent.

PROJECT AREA ALLOWANCE (W.E.F. 01.11.2007) :

Group A – 290/- p.m., Group B-Rs.255/- p.m.

MID ACADEMIC YEAR TRANSFER ALLOWANCE (W.E.F. 01.05.2010):

Rs.700/- p.m.

Split Duty Allowance (WEF 01.11.2007) : Rs. 165/- p.m.

LEAVE :

CASUAL LEAVE: 12 day in a calendar year. No other leave to be clubbed

with this leave.
UN-AVAILED CASUAL LEAVE: Accumulation of un-availed CL of any
year for a period of 3 years. UCL for 3 days can be availed at a time
without production of Medical Certificate.
PRIVELEGE LEAVE: 1 day for every 11 days of service on duty with
maximum 240 days. To be credited on 1st January every year.
SICK LEAVE: 30 days on half pay for each completed year of service with
max. 540 days. To be credited on 1st January every year. After
completion of 24 years of service, additional SL will be granted @ 30
days/per year with Max 3 months on half pay.
MATERNITY LEAVE : (w.e.f. 01.05.2010) on substantive pay: Maximum
12 months during entire period of service. Not exceeding 6 months on
any one occasion.
JOINING TIME LEAVE: 7 days excluding journey time in case of transfer
outside the agglomeration area. No other leave to be clubbed with this
leave.
SPECIAL LEAVE TO AUDIT OFFICERS: 2 days on completion of Audit
Tour or Min 30 days and additional one day beyond 30 days with a
minimum tour period of 15 days.
In order to rejuvenate the employee, each employee be encouraged to on
10 days leave in year in terms of SC CIR No.4912 dated 31.10.2002.
SABBATICAL LEAVE (SC 4666 dated 20.10.02 and 4651 dated
31.10.02):
Purpose: Either studies in Abroad or Inland, participation in
artistic/cultural activities, assisting children settled abroad, supervision
of construction of house.
Eligibility : 10 years of satisfactory service. Period: 5 years with a further
extension of 5 years with number of occasion restricted to 2 times in the
entire service.

LODGING EXPENSES (w.e.f. 1.2.2008 SC No.5476 dt. 26.02.2008)

Grade/scale of Other Places Area I* Major A Class cities
officers #
Scale I 800 1200 1600
Scale II & III 1200 1600 2400
Scale IV & V 2000 2400 4000
SCALE vi & Vii 3000 3400 6800
*Agra, Bhopal, Coimbatore, Indore, Jaipur, Kanpur, Kochi, Lucknow,
Ludhiana, Madurai, Nagppur, Patna, Pune, Surat, Vadodara, Varanasi &
Vizag.
# Greater Mumbai, Kolkata, Delhi, Chennai, Ahmedabad, Hyderabad,
Bangalore
Other places: with population below 12 lakhs and not included above.

OFFICERS ON PERMANENT TRANSFER WERE ENTITLED TO THE

REIMBURSEMENT OF HOTEL EXPENSES UPTO A MAX 15 DAYS APART
FROM HALTING ALLOWANCES AS PER OSR. THIS FACILITY
WITHDRAWN VIDE STF CIR 5605 DATED 07.08.09. ON FILING A
PETITION BY ALL I9NDIA UNION BANK OFFICERS’FEDERATION,
HON’BLE HIGH COURT, MADRAS GRANTED INTERIM STAY ON
12.05.10 ON THE OPERATION OF STF CIR 5605. ACCORDINGLY,
REIMBURSEMENT OF HOTEL EXPENSES UPTO A MAX OF 15 DAYS
APART FROM HALTING ALLOWANCES ON PERMANENT TRANSFER IS
NOW PAYABLE.
REIMBURSEMENT OF CONVEYANCE/PTEROL EXPENSES (SC 5250
DT 10.02.2006):
All officers, even on probation, are eligible for petrol irrespective of Basic
Pay.
Grade/Scale of Other places Area - I* Major A Class
Officers cities
For Motor Cars I 30 Litres 35 Litres 40 Litres
& II
III & IV 50 Litres 55 Litres 60 Litres
For 2 wheelers 30 Litres 35 Litres 40 Litres
upto IV
BMS in all 10 Litres 10 Litres 10 Litres
scales addl. Fuel
permitted
Marketing Rural + SU: + 20 Urban : + 25 Metro : 30 Ltrs.
Officers/ extra Litres Litres

ON DECLARATION BASIS INCLUDING ALL PROBATIONERS.

Grade/Scale of Other places Area-I* Major A Class cities
officers
Scale I 300 325 350
Scale II 300 350 400
Scale III 350 400 450
Scale IV 400 450 500

USE OF PERSONAL VEHICLE FOR OFFICIAL PURPOSE: (SC 5494

DT.13.05.2008 WEF 01.04.2008)
4 Wheeler 1000 cc and above @ 5.80 per km, less than 1000 cc @ 4.60
per km, , Motor Cycle @ 2.80 per km and Moped @ 2.00 per km.
The competent Authority to permit use of own vehicle for official
purposes to officers working in the Zone shall be the FGM/RM.

REIMBURSEMENT OF ENTERTAINMKENT EXPENSES (SC NO.5502

DATED 01.07.08 ) PER MONTH WEF 01.06.2008
GRADE BR MGRS & OTHER OFFICERS IN
EXECUTIVES AS OFFICES/BRANCHES
REGIONAL/ZONAL
HEADS
Scale I 6000 4200
Scale II 6600 4800
Scale III 7800 5400
Scale IV and Scale V 9000 7800
Scale VI and Scale 18000 16000
VII

STAFF HOUSING LOAN (SC 5663 DATED 19.04.2010):

ELIGIBILITY : ALL CONFIRMED OFFICERS)

Purpose Purchase of house/flat/land & Repair/Renovation

construction of house and extension of
thereon/construction of house House
Max loan 90% of total cost or Rs.20 lacs which Rs. 4 lacs
limit ever is lower. Land cost should not
exceed 25% of total HL.
Rate of 8% simple or 3.75% less BPLR 8% simple or
Interest whichever is higher 3.75% less BPLR
whichever is
higher
Margin 10% 25%
Moratorium 2 years from 1 disbursement or 6
st Nil
months after completion
Repayment Principal in 180 months & Interest in Principal in 90
period 60 months. Total deduction should months
not exceed 60% of Gross salary Interest in 30
including interest on COD and months.
Installment of proposed HL
STAFF CONVEYANCE LOAN:
All confirmed full time 3 years & above 5 yrs & 10 yrs and
officers of bank with 3 but less than 5 above but above
years service years less than 10
yrs
OFFICERS 50000 220000 350000
REDUCTION IN COD LIMITS DURING THE LAST 5 YEARS OF
SERVICE (SC NO.5339 DT. 05.01.2007)
AGE OF THE APPLICANT ELIGIBLE OVERDRAFT LIMIT
55<56 Years 90% of the limits
56<57 years 80% of the limits
57<58 years 70% of the limits
58<59 years 60% of the limits
59<60 years 50% of the limits
Note : the reduction in OD limit to the extent of 10% every year
commencing from 55th year of age onwards will be done on monthly
basis.
NSC Loan : SC 4392 dated 03.10.2007
Max. Rs.30,000/- MARGIN- 10%, ONCE IN A FINANCIAL YEAR AT A
CONCESSIONAL RATE OF INTEREST
REIMBURSEMENT OF CLEANING MATEREAL CHARGES (SC NO.
5111 DT.19.10.2004):
Scale I, II, III = Rs.300.00 pm, Scale IV & V = Rs.400.00 pm Scale VI &
VII = Rs.500.00 pm.
Reimbursement is on quarterly basis. Carry forwarding of un-availed
quarterly limits is not allowed.
FESTIVAL ADVANCE (WEF 01.01.2010)
Equivalent to one month’s Basic Pay, recoverable in 10 monthly
installments.
SUBSCRIPTION TO NEWS PAPERS (SC 4985 dated 18.07.2003) :
All Officers in JMGS I to MMGS III, including officers on probation, are
eligible for any Financial News Paper.
BRIEF CASES (SC 5175 dated 09.05.05) :
All officers are eligible once in 3 years and can not be carried over.
Scale I & II : RS. 900/-, SCALE III: Rs.1200/-, Scale IV: Rs.1500/-, Scale
V: Rs.2000/- and Scale VI: Rs.2500/-

CLOSING ALLOWANCE : (Regulation 23(vii) OSR)

Where books are closed on 31st March and 30th September a closing
allowance of Rs.250/- for each closing is to be paid.
VISITING CARDS : All officers are eligible
Item 100 Cards 200 300 400 500
cards cards cards cards
Cards import Ivory Rs. Rs. Rs. Rs, Rs.
card 315 380 440 500 560
Indian card 300 340 380 420 460
Non-tearable 320 380 440 500 650
Plastic card
RESIDENTIAL QUARTERS IN BANK’S NAME/PERSONAL NAME (WEF
01.07.2010):
Category Maximum Maximum Actual Monthly Rent (in Rs.)
Carpet Area
(Sq.ft) Major A Class Area I & Other places
Cities State
Capitals
SCALE I 600 7200 5300 3800
SCALE II 800 7500 5600 3900
SCALE III 1000 7800 8800 4000
SCALE IV 1000-1200 8700 6500 5000
SCALE V 1200-1500 12000 8500 7000
SCALE VI 1500-2000 14000 10000 8000
SCALE VII 2000 16000 12000 NA
MONETORY CEILING OF FURNITURE ITEMS FOR BANK OWNED
RESIDENTIAL QTRS.
Grade Monetary Limit Grade Monetary Limit
SCALE I & II 80000 SCALE IV & V 150000
SCALE III 100000 SCALE VI & VII 175000
MONETORY CEILING OF FURNITURE ITEMS FOR OWNED/LEASED
RESIDENTIAL QTRS. (WEF 01.07.2008 – SC 5515 DATED
31.07.2008)
Grade Monetary Limit Grade Monetary Limit
SCALE I & II 60000 SCALE VI 150000
SCALE III & IV 75000 SCALE VII 175000
SCALE V 100000
Restriction on compulsory items has been removed in the Board Meeting
held on 05.09.2009.

RECOVERY OF HOUSE/FURNITURE RENT

House rent recovery @1.20% of 1st stage of scale of pay
Furniture rent recovery at 0.25% of 1st stage of scale of pay
TRANSPORTATION OF BAGGAGE BY GOODS TRAIN:
With family Without family
Basic up to 19400 per 3000 kgs 1500 kgs
month
Basic 20100 per Full wagon 224 2500 kgs
month & above quintals

Distance in Rate per tonne SC No.5372 Dt.02.04.2007

Kms per km
Up to 2000 Rs.1.40 If the distance is more than 2000
kms kms, eligibility is to be calculated at
Rs.1.10 per tonne for the distance.
Beyond 2000 Rs.1.10 The above rates do not apply on slab
kms basis
TRAVELLING ALLOWANCE ON RETIREMENT: OSR REG.43:
An officer is eligible to claim TA, baggage for settling himself his family
where he intends to settle be paid on retirement.
REIMBURSEMENT OF CLUB MEMBERSHIP/SUBSCRIPTION FEES:
Eligibility Admission Annual Sanctioning
Fee (Rs.) Subscription Authority
BM of 800 1000 Regional Head
Small./Medium/
Large Branch
BM of 1200 1200 Regional / Zonal
ELB/Scale IV & Head
V
Scale VI & VII 1200 1500 FGM/GM
(HRM)/ED
HOSPITALIZATION EXPENSE (WEF 1ST MAT, 2010):
Hospitalization expenses will be reimbursed to the extent of 100% in case
of self and 75% in case of dependent members of family.
Scale Bed charges per day Other charges as
mentioned below
I to III Self Rs.700. Family 125% of limit applicable to
Rs.525. workmen
IV to VII Self Rs.900. Family 150% of limit applicable to
Rs.675 workmen
OTHER CHARGES:
HOSPITALIZATION EXPENSES:
Details EXTENT OF REIMBURSEMENT
(100% OR 75% OF ACTIAL AS THE
CASE MAY BE OR MAXIMUM
LIMIT WHICHEVER IS LOWER)
ICCU/CCUI NEO NATAL Nursery 550/- per day
REGISTRATION CHARGES Actual
AMBULANCE INSIDE 220/-
URBAN/MUNICIPAL LIMIT
Taxi for carrying patient 165/- per trip
Auto rickshaw for carrying patient 85/- per trip
Other vehicle for carrying patient to 6/- per km – max 1100/- per trip
outside Urban/Municipal limit
Surcharge/Tax on Hospital Bills Proportionate to extent of bill
passed
Medicines, drugs, injection, Actual expenses
bandage, dressing materials
PACKAGE CHARGES
Coronary bypass surgery 160000
Coronary angiography 16500
Angioplasty/stentoplasty 80000
Kidney transplant 180000
Liver transplant 220000
CT scan 2500
CT scan with contrast 4000
VISIT AT THE CHAMBER
Consultation Fee Per Visit Major ‘a’ Class Other
Cities places
Visit at the Chamber
First Consultation 220 130
Subsequent Consultations 85 70
Visit at Residence
In case of emergency leading to 330 210
Hospitalisation
Second Consultation 250 165
Subsequent Consultations 165 110
SPECIALISTS VISIT AT THE HOSPITAL : SPECIAL VISIT
During the day time 140 95
During the night time 330 165
Routine Visits 140 95
Expenses for dialysis, blood transfusion, Rates not exceeding the
heart valve replacement, angiography, rates applicable to lowest
implanted items during surgery not forming paying bed to AIIMS, New
part of package and pace maker Delhi.
Clinical pathology
Bence 55 Urine TB 115 Urine for 17 400 Urine 125
Jones culture Ketosteriodes culture/urine
Protein column count
Malignant 150 Sensitivity 165 Smear Analysis 65 Body Fluids 185
Cells
Urine routine/Urine for Albumin/Urine Urobilinogen/Urine Occult 45
Blood/Urine Bile Pigment & salt/Stool Routine/Stool Occult Blood each
Urine Total Protein/Urine Chloride each 90
Haematology
LE Cell 105 Bone 225 Partuak 150 Blood Culture 175
Marrow Thromboplastin / Clot culture
Smear
G&PD 165 Prothrombin 85 Peripheral 50 Blood for 110
Time Smear/ Microfilaria
Reticulocyte
Count
RBC & Hb without In dices/TC/DC each 60
HB, TLC, DLC,without Indices/BT CT/Clot Retraction Time each 75
Hb, TLC, DLC with Indices/Platelet Count/RBC Fragility Test/RBC & Hb 80
with Indices each
ESR /Sedimentation Rate each 35
Hb, TLC, DLC, ESR/Haemogram each 95
PCV/Eosinophil Count/Blood Smears for parasites each 45
Blood Bank
Comb’s 165 Blood Transfusion per bottle 400 Blood grouping & 75
Test direct RH Factor
Coomb’s Test indirect 220 Packed Cell 280
antibodies Preparation
Biochemistry
Blood Urea, Calcium, Phosphorus, Phosphatase, Sodium, Potassium, Urea 110
Nitrogen, Serum Protgein, Uric Acid, SCI each
Creatinine, Alkaline Phosphatase, SGOT, SGPT, Blood Cholesterol each 85
Serum Protein 220
SNA/SK/SP/SCA each 95
SFE/CO2 combining power of Plasma/Lipase each 145
PBI 330 GTC or 310 Serum Iron 240 Serum Acid 150
GTT Phosphate SA
LDH 160 CPK 345 Blood- 120 Serum Anylase 215
Fibrinogen
SMA Glucose-6 185 Urea/Creatinine 190 LDH with 415
12/2 PD Clearance Isoenzyme

Bacteriology & Serology

Brucella Agglutination/cold Agglutination for virus Pneumonia/Vibro 145
Cholera Culture each
Paul Bunnel/Culture & Sensitivity each 165
Conjunctival Swab-Microscopic & 15 Smear gram – Strain/Sputum 55
culture/Fluids or Exudates for 5 Smear
Malignant cells
C Reactive 15 Smear Exam- 10 VDRL/Widal 85 RA 110
Proteins 0 Micro Organism 5 each
X RAY
Abdomem-APErect/lateral/pregnancy, Chest-PA/oblique or 150
lateral/Mstoids/Extremities, bones & joints/pelvis/Paranasal
sinuses/TM Joint each
Abdomen & Pelvis-KUB/Skull AP & Lateral/Spine AP/Lateral each 250
Retrograde pyloraphy/Oral OR 825 Barium Enema/Barium Meal U or 1075
IV cholecystoraphy each L each
Bronchography/IV urography 115 Myelography/Barium Meal 1320
5 Complete each
Cystography- 990 Fluorosco 135 Anthrograp 745
Urethroraphy/Pneumo py Chest hy
Encephalography each
Barium 58 Cerebral-Femoral 157 Sinography 660
Swallow 0 angiography 0 /Sialoraphy
CT Scan/MRI
CT 27 CT Scan- 440 MRI 5500 MRI- 7200
Scan 50 contrast 0 Contrast
Ultra Sonography & Eco cardiography
ECG 150 Indual 155 UCG 760 USG 435 Cardio 560
Test Version
Echo Cardiography 870 US Guided Biopsy 580
SKIN
TT or MT/Skin 115 Scrapping for 60 Nasal Smear-Leprosy 95
Clipping & Smear for Fungus
Leprosy each
Liver Function Test
Thymol Turbidity/Cephalin cholesterol 100 Takata Ara Reaction 110
Flocculation each
Vanden Berghn Reaction & Leterus Index 165 Bromsulphalein 240
Excretion
PLEURAL & Pericardial & Ascitic Fluids
Plural Fluid for Routine Exam/Cultural Pericardial Ascitic fluids each 155
Sputam Examination
Sputam 100 TB- 155 CSF- 140 Diphtheria- 115
Routine/Acid Culture Diptheria culture
FastBacilli each
Operation Charges Special Major Minor
Operation Theatre Charges 3300 2200 715
Anesthetist Charges 3300 2200 715
Surgeon’s Fees including fees of Assistants 11000 7150 2310

AYURVEDITC, UNANI, HOMEOPATHY AND ANTUROPATHY:-

Only one System of Medicine at a time reimburseable.

DOMIL CILIARY TREATMENT

Cancer, leukaemia, thalassemia, tuberculosis, paralysis, cardiac ailment,
pleuresy, leprosy, kidney ailment, epilepsy, parkinson’s disease,
psychiatric disorder, diabetes, heparitis-b, hepatitis-c, haemophilla,
myast heniagravis, wilson’s disease, ulcerative colitis, epidermolysis
bullosa, venous thrombosis (not caused by smoking), aplastic anaemia, p
s o r i a s i s, third degree burns, rheumatoid arthritis, hypothyroidism
& hyperthyroidism, expenses on radiotherapy and chemotherapy for
cancer and leukaemia also under this scheme.

SPECIAL OPERATIONS
Cardiac incl: bypass surgery, brain, lung and cancer operations,
kidney/liver transplantation operations, bone marrow transplantation
and multiple fractures (time more than 3 hours)

MAJOR OPERATIONS

Kidney stones (incl. lithotripsy) prostate, thyroid, caesarean delivery,

mastectomy, hysterectomy, fractures, amputations, sp nailing,
discoidectomy, retina detachment, liver and gall bladder, plastic surgery
(not for beautification) cataract (with IOL) hernia subject to bank’s
discretion (time taken approx1 to 3 hours)
MINOR OPERATIONS
D&C, fissure, circumcision, small hydrocele, dilation, vasectomy,
abscess, appendix, piles, fistula, minor operation of eye, nose and ear
(time taken approx 60 minutes or less)

Medical expense incurred within 30 days of pre and post hosp. period on
medical advice allowed and special and major operations, post
hospitalisation medical expenditure for not exceeding 45 days is allowed
subject to medical advice.

Medicines, drugs, injections, (incl. disposable syringes) bandages and

dressing material, etc. except tonics/vitamins (subject to essential
certificate) is allowed.
 STAFF WELFARE MEASURES

Scheme for reimbursement of school fees etc. to wards of

employees: The Scheme provides for reimbursement of tuition fees, term
fees, examination fees etc. not exceeding Rs.1500/- (from the academic
year 2005-06) per year or the claim whichever is less. School education
of the employee’s ward commencing from Nursery to Standard XII is
covered under the scheme.
Scheme for awarding scholarship for Higher education to the
children of employees:

S.N. Type of Qualifying % of Amount

scholarship exam marks
01 10 + 2 Level Studies 10th 75% & @Rs.150/- pm 2
Standard above years
02 12+ ¾ level studies 12th 60% & @Rs.300/- pm +
(College level) standard above Rs.500/- pm
under (who stayed in
Science, Arts hostel) for ¾
and years
Commerce
Stream
03 Engineering Degree Final year 60% & @Rs.300/- pm +
after passing Final diploma in above Rs.500/- pm
year Diploma in Engineering (who stayed in
Engg./CA/ICWA/CS hostel) for ¾
years

As recognition of meritorious students a sum of Rs.1000/- per annum

will be awarded to the students, studying in school and stand first in the
class.
Reimbursement of tuition fees/books etc. of Rs.2500/- per year for the
wards of officers studying in professional courses under
AICTE/UGC/MCI
As per existing welfare schemes bank provides financial assistance to
physically handicapped employees by way of reimbursement of max. of
Rs.3000/- per year. Not it will be extended to the physically handicapped
children of the employees for payment of school/computer course fees,
purchase of crutches/hearing aids/Braille books/artificial legs/shoes,
support for polio limbs etc., for an amount of Rs.1000/- (maximum) per
year.
Schemes for payment of incentive on successfully completing
correspondence diploma courses/MBA programme conducted by Indian
Institute of Banking in collaboration with IGNOU, New Delhi a
honorarium of Rs.5000/- to those candidates who completed Diploma
Courses on IIB and Rs.10000/- to whose who completed MBA
programme (Banking & Finance) conducted by IGNOU.
Scheme for providing financial assistance to the children pursuing either
10 + 2 or 12+3/4 level of study (at the time of death of employee) of
deceased employees financial assistance for six academic years.
Financial assistance for two children only with max Rs.2000/- per
child/annum.
Honorarium to “Union Youth”. The scheme is meant to support the
parents whose wards excel in sports and culture by extending financial
assistance on a yearly basis on the basis of results shown by the Young
Unions in their chosen field.
Ranking 1, 2 & 3 in State level Competition Rs. 5,000/-
Ranking 1, 2 & 3 in National Level Competition Rs.10,000/-
Ranking 1, 2 & 3 in International Level Competition Rs.20,000/-

Payment of Honorarium of Passing Diploma Courses/MBA program

from any Recognized University during academic year 2004-05 and
thereafter:

The amended provision extends the benefit of honorarium of Rs.10000/-

to whose employees who complete MBA program from any recognized
university during academic year 2004-05 and thereafter.
centers across the country. It has been decided to enhance the
professional fees payable to doctors and compounders in order to provide
better medical service/treatment to the members. The enhancement in
professional fees has been enhanced in the following manner:

Scheme governing Medical clinic:

The management has sanctioned medical clinics, which are already
functionary in 46 centres across the country. It has bee decided to
enhance the professional fees payable to doctors and compounders in
order to provide better medical service/treatment to the members. The
enhancement in professional fees has been enhanced in the following
manner:

Item Metropolitan Other Centres

Centre
General Practitioner Rs.3000/- to Rs.2750/- to
4000/- 3500/-
Cardiologist Rs.5000/- to Rs.4000/- to
6000/- 5000/-
Cardiologist who is also working as a Rs.6000/- to Rs.5000/- to
General Practitioner 7500/- 6000/-
Compounder Rs.1000/- to Rs. 750/- to
1250/- 1000/-
Scheme for payment of Ex-gratia against Hospitalization Expenses:

The bank is granting ex-gratia to the employees against hospitalization

expenses specifically for major ailments/major surgery requiring
hospitalization. The ex-gratia in respect of employees is restricted to
Rs.1.50 lac or 90% of the difference between the total amount of
hospitalization incurred and the eligible amount of reimbursement as per
rules in force which ever is less. In case of eligible dependent family
members for ex-gratia is restricted to Rs.1.00 lac or 75% of the difference
between the total amount of hospitalization incurred and the eligible
amount of reimbursement as per rules in force which ever is less. It has
now been decided to include minor surgeries for considering ex-gratia
against hospitalization expenses.
As per amended provision, payment of ex-gratia will also be considered
for the domiciliary treatment of cancer, which requires Chemotherapy
subject to specified limits.

Reimbursement of expenses for Health check up:

The scheme for reimbursement of health check up is available for
employees in the age group of 40+, which is Rs.1000/- in case of male
employee and Rs.1700/- in case of female employee. The female
employee can undergo Mammography or Ultrasonography. In case of
Mammography they will be reimbursed Rs.700/- and in case of
Ultrasonography the actual claim for that particular test will be
reimbursed.
Farewell scheme for retiring employees:
The farewell scheme for retiring employees came into effect from 1st July
2003. The retiring employee can now be presented with a mememto
costing not more than Rs.5000/-.

Union Bank of India Retired Employees Medical assistance Scheme

(UBIREMAS)
The subject scheme was introduced w.e.f. 01.01.2003 for the benefit of
retired employees of our bank and their spouses who are not gainfully
employed. Under the scheme, total reimbursement of hospitalization
expenses is now enhanced to Rs.75000/- to the family unit (retired
employee and/or spouse) during the entire currency of membership.

Medical Clinic-Diagnostic Facility to retired employee:

As per amended provisions the eligible retired employees will be allowed
to undergo diagnostic tests of their choice costing not more than
Rs.1000/- per financial year with the advice of doctor operating at
Bank’s medical clinic.
The ex-gratia payment of adjustment of outstanding in staff housing
loan of deceased officers will be restricted to 56% of balance
outstanding in staff housing loan or Rs.2.00 lac whichever is less.

The amount of canteen subsidy stands revised to Rs.150/- p.m.

DRF Scheme:

In the event of member’s death an amount of Rs.2.50 lacs will be paid to

family members/nominees. In case of superannuation Rs.25000/- will be
paid from the fund.

FAMILY PLANNING INCENTIVE:

(Staff circular No.2423 dt. 23.02.1082, No. 4478 dt.21.09.19998, No.

4076 dt. 02.05.1994, no.2786 dt.22.02.1985):
Lump sum reward of Rs.500/-

PROVIDENT FUND:

1. Pf Optees to pay 10% of the pay towards PF contribution with

matching contribution from employer.
2. Pension optees to pay 10% of the pay towards PF contribution with
no matching contribution from employer.
3. Those officers joining on or after 01.04.2010 will contribute 10% of
pay plus DA and the bank will make matching contribution. Such
officers will be covered by Defined Contributory Pension scheme as
introduced for Central Govt employee wife 01.01.2004. The scheme
will be regulated by the Pension Fund Regulatory Authority.

UBI EMPLOYEES P.F.:

Non refundable withdrawal (Staff circular no.4354 dated
01.04.1997)

Eligibility : Completed 10 years of service or due to retirement within

next 10 years. Only twice in entire service.
Amount : 50% of their total accumulations (i.e. voluntary + own +
bank’s contribution), less provident Fund loan outstanding (if any) at
the time of application.

PURPOSE :
1. For purchase of residential house/flat/plot.
2. For construction of house/extension of house (not for repairs
and renovation).
3. Repayment of housing loan: Contribution (-) loan against PF, if
any.
 4. marriage of son/daughter: Those who have opted pension 100%
of own Contribution (-) loan against PF, if any.
5. payment of life insurance policy premium.

REFUNDABLE PF LOAN:

Six Times of salary (excl. DA, HRA, CCA) can be obtained for medical
expenses for self or dependant family members, marriage of self
son/daughter, higher education of wards and celebrating religious
ceremony.

PURCHASE OF CAIIB BOOKS: (Staff circular no.4378 dt. 11.08.1997)

CORPORATE DEAL WITH AIRLINES :

Whenever an officer travels by air, following code no.s are to incorporated

while purchasing the ticket :
Air India B067
Jet Airways 9W0347002
Jetlite S20347002
Kingfisher UBI001
Indigo RUI01

SILVER JUBILEE AWARD:

Employee who has completed 25 years of unblemished service is eligible

for this award.

PERSONAL ACCIDENT INSURANCE FOR THE OFFICERS OF THE

BANK:

Scale Sum assured

I, II & III Rs.3.50 lac
IV & V Rs.5.50 lac
VI & VII Rs.7.50 lac

The premium will be paid by the bank directly to the Insuranace

Company.

PROVISION OF MOBILE PHONE:

All officers working in FGMO/RO/Audit offices/Branches are eligible for

reimbursement of Mobile phone expenses.