నేను PF నుండి ఋణం పొందియున్నాను. వాయిదాలు పూర్తి కాలేదు. మరలా ఋణం కావాలంటే ఇస్తారా ?
ZPPF నిబంధనలు 14 ప్రకారం మరల ఋణం పొందవచ్చు. మిగిలి ఉన్న బకాయి, కొత్త ఋణం మొత్తం కలిపి వాయిదాలు నిర్ణయిస్తారు.
Withdrawals 2 types :- 1) Temporary Advance 2) Part Final Withdrawal
Temporary Advance :-
i) Sanction for self, Sons/ Daughters or any member actually dependent on the Govt. Servant.
ii) Advance should not exceed 3 months pay or half of the balance at credit whichever is less. R.(14)(1)
iii) Pecuniary Circumstances of the applicant to be considered. R 14(1)(a)
Temporary Advance :-
i) Sanction for self, Sons/ Daughters or any member actually dependent on the Govt. Servant.
ii) Advance should not exceed 3 months pay or half of the balance at credit whichever is less. R.(14)(1)
iii) Pecuniary Circumstances of the applicant to be considered. R 14(1)(a)
Reasons to be considered:-
i) To pay expenses in connection with Prolonged ill-ness on Medical Grounds - R14(1) (a) (i)
ii) To pay for overseas passage for reasons of Health or Education R14(1)(a)(ii) To meet cost of higher education beyond high school stage.
a). Outside INDIA- For academic, Technical, Professional or Vocational Courses – R14 (1)(a)(ii)(a)
b). In INDIA – for NGO’s- For All Academic, Medical, Engineering or other or Scientific Courses – R. 14(1)(a)(ii)(b) For GOs for Medical, Engineering or Other Technical or Specialized Courses.
(iii) To pay obligatory expenses in connection with marriage or other ceremonies R 14(1)(a)(iii) ( not to be sanctioned for annual shradha)
(iv)To meet the cost of Legal Proceedings instituted by the subscriber for vindicating his position in regard to any allegation made against him in discharge of his official duties. R14(1)(a)(iv)
(v) To meet the cost of his defense where the subscriber is prosecuted by the Govt. or the subscriber engages a legal practitioner to defend himself in any enquiry in respect of any alleged official misconduct on his part. R14(1)(a)(v)
(vi) To meet the cost of building / reconstruction/ additions or alteration/ repaying any outstanding loan expressly taken for this purpose by the subscriber. R14(1)(a)(vi)
(vii) To meet the cost of purchasing a house site or repaying any outstanding amount of loan expressly taken for this purpose. R 14(1)(a)(vii)
(viii) To Meet the cost of constructing a house on a site purchased utilizing the sum withdrawn under clause (vii) above. R14(1)(a)(viii)
ix) To meet the cost of acquiring farm or Business premises within 6 months of the date of subscriber’s retirement. R14(1)(a)(ix)
(x) To meet the cost of purchasing a Motor Car. R14(1)(a)(x) NOTE: For clauses (vi) to (x), the applicant has an approved plan/permits/relevant documents and he should produce utilisation certificate within one month from date of withdrawal. NOTE: For special reasons to be recorded in writing, an advance shall be granted in excess of the limit laid down or before repayment of previous advance for all clauses except (iv) & (v) R14(1)(c)
NOTE : Missing debits & Missing credits are to be deducted from the balance at the credit, and not to be taken into account for sanction. • Duration:- There must be a gap of 6 months from one drawl to another drawl within a financial year.
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