78
DEFENCE SERVICES OFFICERS PROVIDENT FUND PART I (RULES) PART II (INSTRUCTIONS) 1973 (REPRINT 1980) The information given in this booklet is not to be communicated, either directly or indirectly to the press or to any person not authorised to receive it. Compiled by Regulations Directorate GHQ and issue with the approval of Secretary General, Ministry of Defence, Government of Pakistan.

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Page 1: defence services officers provident fund part i (rules)

DEFENCE SERVICES

OFFICERS PROVIDENT FUND

PART I (RULES)

PART II (INSTRUCTIONS)

1973

(REPRINT 1980)

The information given in this booklet is not to be communicated, either directly or indirectly to the press or to any person not authorised to receive it.

Compiled by Regulations Directorate GHQ and issue with the approval of Secretary General, Ministry of Defence, Government of Pakistan.

Page 2: defence services officers provident fund part i (rules)

DEFENCE SERVICES

OFFICERS PROVIDENT FUND

PART I (RULES)

1973

Page 3: defence services officers provident fund part i (rules)

RECORD OF AMMENDMENTS

Amendment Number By Whom Amended Date of Insertion

Note:- All queries will be addressed to Regulations Dte AG’s Branch, GHQ, Rawalpindi.

Page 4: defence services officers provident fund part i (rules)

(i) TABLE OF CONTENTS

DSOP FUND RULES, 1973 SECTION I.-PRELIMINARY

Rules 1. Short title . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . . 1

2. Definitions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . .

2

SECTION II.-ADMINISTRATION OF THE FUND

3. Fund administered by the President. . . . . . . . . . . . . . . . . . . . . . . . . . . . .

3

4. Fund maintained in Pakistan currency. . . . . . . . . . . . . . . . . . . . . . . . . . .

3

5. Individual accounts maintained by accounts officer. . . . . . . . . . . . . . .

.

3

SECTION III.-ADMISSION TO THE FUND

6. Admission compulsory for officers. . . . . . . . . . . . . . . . . . . . . . . . . . . . .

4

7. Reservists/Recalled Officers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

5

8. Officers in temporary civil employment. . . . . . . . . . . . . . . . . . . . . . . .

.

6

SECTION IV.-SUBSCRIPTIONS

9. Crediting subscription and interest . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

7

10. Minimum rates. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

8

11. New entrants to the fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

9

12. Change in subscriptions on promotion . . . . . . . . . . . . . . . . . . . . . . . . . .

10

13. Increase/Decrease in subscriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

11

14. Rate of subscriptions when holding civil appointments. . . . . . . . . . . . 12 15. Subscriptions in complete number of rupees . . . . . . . . . . . . . . . . . . . .

. 13

16 Subscriptions during leave/furlough . . . . . . . . . . . . . . . . . . . . . . . . . . . .

14

17. Broken periods of a month to be ignored . . . . . . . . . . . . . . . . . . . . . . . .

15

18. Recovery of subscriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

16

19. Interest on subscriptions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . .

17

SECTION V.-ADVANCES FROM THE FUND-GENERAL

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20. Categories of advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

18

21. Amount of advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

19

Page 6: defence services officers provident fund part i (rules)

(ii )

Rules 22. Sanctioning authorities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . 20

23. Conveyance of sanction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

21

24. Subsequent advance after twelve months of repayment of previous advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

22(I)

25. Number of recovery instalments . . . . . . . . . . . . . . . . . . . . . . . . . . . .

22(2)

26. Method of recovery of advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

22(3)

27. Simultaneous recovery of two or more advances . . . . . . . . . . . . . . . .

22(4)

28. Recovery of interest on advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

22(5) (6)

29. Recovery instalment credited to officers accounts . . . . . . . . . . . . . .

.

22(7)

SECTION VI.-REFUNDABLE ADVANCES

30. Advances for house building . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

23

31. Second advance for construction of house in Islamabad . . . . . . . . . . .

24

32. Advance for purchase of evacuee houses . . . . . . . . . . . . . . . . . . . . . .

25

33. Advances for other reasons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . .

26

SECTION VII.-NON-REFUNDABLE ADVANCES

34. House building advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

27

35. Advance for purchase of a house (other than an evacuee house) . . . .

28

36. Advance for purchase of evacuee house . . . . . . . . . . . . . . . . . . . . . . .

29

37 Advance for purchase of agricultural land . . . . . . . . . . . . . . . . . . . . .

30

38. Advances for miscellaneous purposes . . . . . . . . . . . . . . . . . . . . . . . . .

31

39. Advances for liquidation of house building advance drawn from the government . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

32

40. Conversion of certain refundable advances into non-refundable . . . . 33

SECTION VIII.-INSURANCE POLICIES

41. Obtaining insurance policies . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34

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. . 42. Difference between subscription of the fund and insurance premia

payable by the subscriber . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

35

43. Normal subscriptions continue after withdrawal of any amount for insurance policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

36

(iii)

Rules 44. Reduction in the subscription on account of insurance policy . . . . . . 37 45. Payment of insurance premia . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . 38

46. Assignment of policy to the President . . . . . . . . . . . . . . . . . . . . . . . . .

39

47. Reassignment or return of the policy . . . . . . . . . . . . . . . . . . . . . . . . . .

40

48. Payment on maturity . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

41

49. Lapse of policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . .

42

SECTION IX.-FINAL WITHDRAWAL OF ACCUMULATION IN THE FUND

50. Nomination . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

43

51. Final payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . .

44

SECTION X.-PROCEDU RE

52. Subscription credited to DSOP fund . . . . . . . . . . . . . . . . . . . . . . . . . .

45

53. Account officer responsible for payment . . . . . . . . . . . . . . . . . . . . . .

46

54. Reference to fund account no . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

47

55. Annual statement of account sent to subscribers . . . . . . . . . . . . . . . . .

48

Page 8: defence services officers provident fund part i (rules)

56. Subscribers to check statement of account . . . . . . . . . . . . . . . . . . . . .

49

57. Power to issue instructions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. .

50

SCHEDULES

Pages

58. First Schedule-Form of mortgage of immoveable property . . . . . . . .

22-24

59. Second Schedule-Form of agreement (non-refundable house building advances) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

25-26

60. Third Schedule-Form of agreement (non-refundable advance for purchase of a house other than evacuee house) . . . . . . . . . . . . . . .

27

61. Fourth Schedule-Form of agreement (for purchase of evacuee house) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

28

62. Fifth Schedule-Form of agreement (For liquidation of house building advance drawn from the govt) . . . . . . . . . . . . . . . . . . . . . . . .

29-30

63. Sixth Schedule-Form of assignment (insurance policies by the subscribers to the President) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

31

(iv) Pages

64. Seventh Schedule-Form of re-assignment/assignment by the President of Pakistan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

32

65. Eighth Schedule-Form of nomination when subscribers has a family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

33

66. Ninth Schedule-Form of nomination when subscriber has no family . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

34

67. Table of concordance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

35-37

Page 9: defence services officers provident fund part i (rules)

1 The following rules, which have been approved by the Government of Pakistan, regarding the administration of the Defence Services Officers Provident Fund, are published for general information.

DEFENCE SERVICES OFFICERS PROVIDENT FUND RULES, 1973

SECTION I.-PRELIMINARY

1. Short Title.-These rules may be called the Defence Services Officers Provident Fund Rules, 1973. They shall come into effect immediately and Defence Services Officers Provident Fund Rules, 1931 shall stand superseded. 2. Definitions.-In these rules, unless there is anything repugnant in the subject or context:-

(1) Accounts officer shall be the Controller of Military Accounts (Officers), Controller of Naval Accounts for Naval Officers, Controller of Accounts Air Force for Air Force Officers.

(2) Civil employ means military officers who are serving in civil

departments of the Federal or Provincial Governments, (including semi-Government organizations) and who have not been struck off the effective list of Army, Navy or Air Force and are subject to recall.

(3) (i) Emoluments include leave and furlough pay and pay during

foreign service.

(ii) Pay means all items which are termed as "Pay" and does not include allowances.

(4) Family means-

(i) In the case of a male subscriber, the wife or wives and children of a subscriber, and the widow or widows, and children of a deceased son of the subscriber. Provided that if a subscriber proves that his wife has been judicially separated from him or has ceased under the customary law of the community to which she belongs to be entitled to maintenance she shall henceforth be deemed to be no longer a member of the subscriber's family in matters to which these rules relate, unless the subscriber subsequently indicates by express notification in writing to the accounts officer that she shall continue to be so regarded;

(ii) In the case of a female subscriber, the husband and children of a

subscriber, and the widow or widows and children of a deceased son of a subscriber;

Provided that if a subscriber by notification in writing to

the accounts officer expresses her desire to exclude her husband from her family, the husband shall henceforth be deemed to be no

Page 10: defence services officers provident fund part i (rules)

longer a member of the subscriber's family in matters to which these rules relate, unless the subscriber subsequently cancels formally in writing her notification excluding him.

Page 11: defence services officers provident fund part i (rules)

2

Notes (1) Children means legitimate children.

(2) An adopted child shall be considered to be a child when the accounts officer, or if any doubt arises in the mind of the accounts officer, the solicitor to the Government of Pakistan is satisfied that under the personal law of the subscriber, adoption is legally recognised as conferring the status of a natural child but in this case only.

(5) Fund means the Defence Services Officers Provident Fund. (6) Year means the financial year. (7) AG means the Adjutant General of Pakistan Army. (8) CORO means Central Officers Records Office. (9) "Military" includes Army, Navy and Air Force.

SECTION II.-ADMINISTRATION OF THE FUND

3. The fund shall be administered by the President of Pakistan and shall be maintained in Pakistan currency. The individual accounts shall be maintained by the accounts officer.

SECTION III.-ADMISSION TO THE FUND 4. Admission to the fund is compulsory for all officers, holding any type of commission in any of the Defence Services of Pakistan, including officers of AKRF and the Armed Forces Nursing Service. 5. Officers recalled to duty and officers belonging to the reserves, when recalled to service, shall be permitted to rejoin the fund in the same manner and under the same conditions as original subscribers. However, reservists called up for service would be included as compulsory subscribers but those who come up for training for one month in a year would be excluded. 6. These rules apply to officers in civil employ on the same terms and conditions as if they were in military employ.

SECTION IV - SUBSCRIPTIONS Rates and General Rules

7. To each officer's account shall be credited all subscriptions made by the officer, together with interest on such subscriptions, as prescribed in the succeeding rules. 8. Every officer shall subscribe monthly to the fund not less than the amounts stated below. An officer may, however, subscribe any amount above the prescribed minimum.

Page 12: defence services officers provident fund part i (rules)

3

(1) Army, Navy and Air Force Officers (excluding AFNS)

Per mensem Rs.

Officers above the rank of Lt Colonel or equivalent 40.00 Lt Colonel or equivalent 30.00 Major or equivalent 25.00 Captain or equivalent 20.00 Lieut or equivalent 12.00 2/Lieut or equivalent (including branch officers 10.00 of navy)

(2) Armed Forces Nursing Services Officers Per mensem

Rs.

Chief Principal Matron-Brig 50.00 Principal Matron-Lt Col 50.00 Matron-Major 25.00 Senior Sister-Capt 20.00 Sister-Lieut 15.00

9. New entrants to the fund will become subscribers with effect from the first day of the month for which full pay is drawn after joining the service. 10 On promotion (if the officer is subscribing less than the minimum prescribed for the higher rank) necessary alterations will be made automatically by the accounts officer in the subscriptions commencing with the first month during the whole of which increased pay is drawn. 11. The rate of subscription may be normally increased (or decreased subject to maintaining the prescribed minimum) once a year in the month of June. Request must reach the accounts office in last week of Jun each year. The increase/decrease shall be effective from the pay for June payable on Ist July. However, changes in rate of subscriptions may also be made as under:-

(1) On promotion, rate of subscription may be increased from the month for which full pay of the higher rank is drawn.

(2) On proceeding abroad on course/duty and leave provided the period of

course/duty and leave is not less than one month and that the rate, if decreased, does not fall below the prescribed minimum.

(3) On any other occasion specifically approved or ordered by the

government.

Page 13: defence services officers provident fund part i (rules)

4 12. Officers holding civil appointments, which in the opinion of the government carry a higher status than their substantive rank, shall be required to subscribe to the Fund at the rate applicable to next higher rank. 13. The amount to be subscribed shall be a complete number of rupees, sums of fifty paisas and over being rounded of to a rupee and sums below fifty paisas being ignored. 14. Subscriptions shall continue to be paid by officers during furlough or leave at full rates. 15. The broken period of a month in which an officer joins the fund as a subscriber shall be ignored and subscriptions shall be recovered from the first of the following month. Realization of Subscriptions 16. Subscriptions shall be recovered from the emoluments of officers in military employ by the accounts officer and credited to the fund.

Provided that officers on deputation to civil departments of the Federal Provincial

Government shall deposit monthly the amount of subscription towards Defence Services Officers Provident Fund and refund instalments of advances drawn therefrom, if any, into government treasury and send treasury receipt to the accounts officer concerned for adjustment. For this purpose the accounts officer shall maintain a register of all military officers on deputation and send to them necessary receivable orders (PAFA-507) during the third week of every month. Such deputationist officers, serving at places where there is no government treasury, shall have the option to send their subscriptions including refund instalments of advances by cheques but the amount of such cheques should also include the bank charges. The civil administrative authorities may also arrange collective remittance on behalf of the deputationist officers by depositing the amount in a treasury and forwarding a single treasury receipt with necessary schedules to the accounts officer concerned.

Provided further that subscription to DSOP Fund in respect of officers on foreign service outside Pakistan on deputation with a foreign govt/agency or an international organisation shall be recovered in forcign exchange by the senior officer-in-charge of the contingent/accounts officer of the Pakistan embassy abroad/or the officer concerned himself in case he is the only one present in any station away from Pakistan embassy, and remitted direct to the controller of accounts of the service concerned. Interest on Subscriptions 17. Interest at the rates prescribed by the government shall be credited, as on the 30th June of each year, to the account of each subscriber to the fund, subject to the following conditions :-

(1) Interest for twelve months shall be credited on the amount at the credit of the subscriber on the 30th June of the preceding year, less any advance taken during the year.

Page 14: defence services officers provident fund part i (rules)

5

(2) Interest shall be credited for each month of the year upon the sum by which the minimum amount at the credit of the subscriber between the close of the fourth day and the end of the month, exceeded the amount on which interest is credited under sub rule (1). For the purpose of this rule, a subscription paid by deduction from emoluments shall be treated as having been deposited in the fund on the first day of the month in which payment is actually made.

(3) The total amount of the interest credited to a subscriber's account as

from the 30th June in any year shall be rounded off to the nearest rupee.

(4) Before the amount at a subscriber's credit in the fund is finally paid, his account shall be credited with interest upto the end of the month preceding that in which payment is made, or upto the end of sixth month after the end of the month in which he quitted the service or died, whichever of these periods be less.

(5) The rate of interest shall be liable to revision on the Ist July of each year

without notice.

(6) Subscribers who do not desire to receive interest on their deposits shall not be given interest but if they subsequently ask for interest it shall be given with-effect from Ist July of the year in which such request is made.

SECI'ION V.-ADVANCES FROM THE FUND-GENERAL

18. Categories of Advances.-Advances which are admissible to be granted from DSOP fund shall be of two categories viz refundable and non-refundable. Conditions regarding their grant and recovery are laid down in the subsequent rules. 19. Amount of Advance.-As a general rule, an advance shall consist of a sum of whole rupees and ordinarily shall not exceed three months pay or 50% of the subscribers credit balance in the fund, whichever is less. 20. Sanctioning Authorities.-Adjutant General Army or Chief of Naval Staff or Chief of Air Staff, as the case may be except where otherwise specified, may sanction advances to any subscriber in accordance with the rules set out in the succeeding paragraphs. 21. Conveyance of Sanction.-The authorities mentioned in rule 20 may authorise any officer or officers to convey sanction for advances on their behalf and on their responsibility. Full personal particulars of such officers, their appointments and specimen signatures shall be provided to the accounts officer concerned. General Rules 22. Subject to exceptions given in specific rules, following general rules shall apply to all advances:-

Page 15: defence services officers provident fund part i (rules)

(1) An advance shall not be granted to any subscriber until at least twelve months have elapsed from the date of repayment of the

Page 16: defence services officers provident fund part i (rules)

6 last instalment of any previous advance, unless the sanctioning authority

(Rule 20) considers for reasons which must be recorded in writing that this restriction may be relaxed.

(2) An advance shall be recovered in such number of equal monthly

instalments, not being less than twelve nor more than twenty-four unless the sanctioning authority in special circumstances otherwise directs. A subscriber may, however, at his option, make repayment in a smaller number of instalments than that prescribed. Each instalment shall be a complete number of rupees the amount of the advance being raised or reduced, if necessary, to admit such instalment being fixed.

(3) Recovery shall be made in the manner provided in rule 16 for the

realisation of subscriptions, and shall commence on the first occasion after the advance is made on which the officer draws pay for a full month. It shall not be made while the officer is on leave or in receipt of subsistence allowance, and it may be postponed by the Adjutant General or the Chief of Naval Staff or the Chief of Air Staff during the recovery of an advance granted to an officer otherwise than from the fund.

(4) If at any time under sub-rule (1) an advance had been made to an officer

before the one previously made has been completely recovered, each advance shall be treated separately for the purpose of recovery.

(5) After the principal of the advance has been fully repaid, interest shall be

paid thereon at the rate of one fifth percent of the principal for each month or broken portion of a month during the period between the drawal and complete repayment of the principal by the subscriber, and will be credited in his account.

Provided that subscriber whose deposits in the fund carry no

interest shall not be required to pay into the fund any additional installments on account of interest on advances granted to them from the fund.

(6) Interest shall ordinarily be recovered in one instalment in the month after

complete repayment of the principal, but if the period referred to in sub-rule (5) exceeds twenty months, interest may, if the subscriber so desires, be recovered in two equal monthly instalments. The method of recovery shall be that prescribed in sub-rules (2) and (3). The total amount of interest shall be rounded to the nearest whole rupee (fifty paisas counting as the next higher rupee).

(7) Recoveries shall be credited as they are made to the officer's account in

the fund, the date of credit being determined for the purpose of calculating interest, by the procedure prescribed in sub-rule (2) of rule 17

Page 17: defence services officers provident fund part i (rules)

7

SECTION VI.--REFUNDABLE ADVANCES 23. Advances for House Building.--An advance for construction of a house anywhere in Pakistan for occupation by the subscriber himself may be granted to him from the amount standing to his credit in the DSOP fund at the discretion of the appropriate authority specified in rule 20, subject to the following conditions, namely:-

(1) Advances shall be granted as nearly as may be in accordance with the terms and conditions set out in Appendix III to Pay and Allowance Regulations for the Army, Volume II, equivalent provisions in Pay and Allowances Regula tions of the Navy and Air Force, except as expressly provided in this rule.

(2) Advance shall in no case exceed twenty-four months pay of the subscriber or eighty percent of the amount at the credit of the subscriber in the fund, whichever is less.

(3) The sanctioning authority shall see that the land, and the house

constructed thereon, for which the advance is granted, are mortgaged to the President in the form set forth in the first schedule to these rules, before the advance is drawn.

(4) Mortgage deed shall be registered within four months of its execution.

(5) If the amount of advance from DSOP fund is equal to or less than 24

months pay, recovery shall be made in monthly instalments of five percent of the subscriber's pay commencing from the fourth issue of pay after the first instalment of the advance is drawn. If the amount exceeds 18 months pay, recovery shall be made at seven per cent of pay. [See also sub-rule (6)].

(6) If a subscriber draws only a part of the house building advance from his

DSOP fund, the amount of advance from DSOP fund shall not exceed 50% of the total amount to the credit of the subscriber. The total of the house building advance taken from government as loan and the advance drawn from the DSOP fund shall be limited to twenty-four months pay of the subscriber if he has ten years or more to serve; otherwise the amount which can be repaid by him by deducting twenty-five percent of his pay. Recovery from DSOP fund shall commence immediately after the loan from government with interest accrued thereon has been fully repaid.

(7) When an advance is drawn partly from DSOP fund and partly from

government funds, the house should be built only in one of the approved stations.

24. A second advance for construction of house in Islamabad only may be granted after the subscriber has fully repaid the house building advance previously drawn from the government or from his DSOP fund account, together with interest thereon.

Page 18: defence services officers provident fund part i (rules)

8 25. Advances for Purchase of Evacuee Houses.-An advance for the purchase of an evacuee house may be granted to an officer to the extent and subject to the conditions applicable for the admissibility of house building advances. This shall be subject to the following further provisions:-

(1) This advance shall be in lieu of the advances under rule 23 and shall not be granted to an officer who has already taken any house building advance either from government or from the House Building Finance Corporation. Similarly, an officer granted this advance, shall not be allowed any advance under rule 23.

(2) It shall be admissible to the claimants, non-claimants and locals, and at all

the places in Pakistan. It shall be admissible only from one source.

(3) It shall not, in any case exceed the price of the house allotted minus the amount of the claim adjustable against it, or eighteen months pay of the officer, whichever is less. The limit for the admissibility of the advance from the Defence Service Officers Provident Fund shall be ninety percent of the balance at the credit of the officer.

(4) An officer, who owns any urban property other than evacuee property,

either in his own name or in the name of the members of his family, as defined in the Defence Services Officers Provident Fund Rules, shall not be eligible to receive the advance.

(5) This advance shall be given only where the Provisional Transfer Order

issued by the settlement authorities is in the name of the officer, or joint with the members of his family, as defined in the Defence Services Officers Provident Fund Rules.

(6) An officer shall, subject to the fulfilment of other requirements, become

eligible for the advance as soon as he has paid the difference, if any, between the cost of the house and the amount of advance admissible to him under the rules. The amount of advance, which is payable to the officer after he has furnished proof of the payment of the entire balance, if any to the settlement authorities may, if so desired by him, be paid to the settlement authorities direct by the controller of accounts concerned, on production of the Provisional Transfer Order by the officer.

Note:- Payment of dues to the settlement authorities may also be

made by purchasing compensation books with the help of the advance granted under this rule.

(7) The advance shall not be granted for the purchase of the upper storey of

a house only, if the lower storey has been allotted to another person.

(8) Recovery of this advance shall be made in monthly instalments not exceeding 120, under the same conditions as are applicable for the recovery of the house building advances.

Page 19: defence services officers provident fund part i (rules)

9 (9) On final transfer the house shall be mortgaged to Government

simultaneously with the execution of the transfer deed in each case. 26. Advances for Other Reasons.-Refundable advances other than those prescribed in rules 23, 24 and 25 may also be sanctioned subject to rules 19 to 22.

SECTION VII.-NON-REFUNDABLE ADVANCES

27. House Building Advances.-If a subscriber is due to attain within five years the age service limit for normal retirement prescribed for the rank he is holding, the appropriate authority laid down in rule 20, may in its discretion and subject to the conditions hereinafter specified, grant him an advance from the amount standing to his credit in the fund for the construction of a house on land owned by him, or by his wife and children or any of them anywhere in Pakistan. If the officer has drawn any house building advance previously, the non-refundable advance applied for shall be treated as the second advance for house building. It may be granted to him for a station other than that for which he had drawn the previous advance and only after he has repaid the previous advance in full including interest accrued thereon or he exercises the option to convert the refundable advance into non-refundable under rule 33. An officer who has not drawn any advance previously for house building on refundable basis or has drawn one and has repaid it fully, or has drawn one on a non-refundable basis, may be sanctioned a second advance for construction of a house at a different station. Advance under this rule may also be granted for purchase of land for construction of houses in the same manner. .An advance under this rule shall not exceed 24 months' pay provided that the balance in the account exceeds that amount. Otherwise the amount of advance will be restricted to 80 % of the balance provided that,

(1) Save as provided in the fourth proviso, no recovery of the advance shall be made from the subscriber and the amount advanced shall be treated as part of the final payment of the amount standing to the credit of the subscriber when the final payment becomes due; and

(2) The land or the house constructed thereon shall not be required to be

mortgaged to the President.

(3) Contingent bill for the first instalment of the advance as sanctioned by the appropriate authority and paid by the accounts officer duly accompanied by an agreement executed between the subscriber and the President in the form set out in the second schedule to these rules, shall be sent to the accounts officer.

(4) If the land or the house is sold or otherwise alienated by, its owner to any

other person while the subscriber is in service, the subscriber shall forthwith repay into the fund the entire amount of the advance together with the interest accrued thereon, in a lump sum.

28. Advances for Purchase of a House (Other than an Evacuee House). – A subscriber who is due to attain within five years the age/service limit for normal retirement, prescribed for the rank he is holding, the government may, in its discretion and subject to the conditions hereinafter specified grant him an advance not exceeding 80% of the total amount or upto 24 months pay whichever is more standing to his credit in the fund for the purchase of a house for his residence under the following conditions:-

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10

(1) The advance shall mutatis mutandis be governed by the same terms and conditions as applicable to an advance granted under rule 23.

Provided that:-

(a) Save as provided in sub-rule (3), no recovery of the advance shall

be made from the subscriber and the amount advanced shall be treated as part of the final payment of the amount standing to the credit of the subscriber when the final payment becomes due; and

(b) The house shall not be required to be mortgaged to the President.

(2) The advance shall be drawn only after an agreement is executed

between the subscriber and the President in the form set forth in the third schedule to these rules.

(3) If the house is not purchased within three months from the date of drawal

of the advance or is sold or otherwise alienated by its owner to any other person while the subscriber is in service, the subscriber shall be forthwith repay into the fund the entire amount of the advance together with the interest accrued thereon, in a lump sum.

(4) The advance may be drawn in full at once, but satisfactory evidence shall

be produced within three months of its drawal, before the accounts officer to show that the advance has been spent for the purchase of the house. This can be done by showing to the accounts officer concerned the valid legal receipt for the amount paid.

29. Purchase of Evacuee House:-An advance from the fund may be granted on non-refundable basis for the purchase of an evacuee house to a subscriber who is due to attain within five years the age service limit for normal retirement prescribed for the rank he is holding, to the extent and subject to the conditions laid down in rule 25 and the following further provisions:-

(1) No recovery of the advance shall be made from the subscriber and the amount advanced shall be treated as part of the final payment of the amount standing to his credit, when the final payment becomes due;

(2) The house shall not be required to be mortgaged to the President;

(3) The advance shall be drawn only after an agreement is executed by the

subscriber in the form set forth in the Fourth Schedule; and

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11

(4) If the house is sold or otherwise alienated by its owner to any other person while the subscriber is in service, he shall be required to repay the advance, together with the interest accrued thereon, in a lump sum.

30. Advance for Purchase of Agricultural Land-An advance from the DSOP fund upto 80% of the total amount or upto 24 months pay whichever is more may be granted on a non-fundable basis for the purchase of agricultural land from government or any private party to a subscriber who is due to attain within five years the age service limit for normal retirement prescribed for the rank he is holding. The advance for the purchase of agricultural land may be drawn in lump sum, if so desired by the applicant. Other conditions laid down in the proviso to rule 27 shall mutatis mutandis apply. 31. Advance for Miscellaneous Purposes.-Advances from the DSOP Fund to a subscriber, who is due to attain within five years the age service limit for normal retirement prescribed for the rank he is holding, may be granted on a non-refundable basis upto the following limits for purposes specified below:-

(1) Upto twelve months pay provided the balance in the DSOP fund exceeds that amount, otherwise the amount of advance will be restricted to 80 percent of the balance.

(a) To defray expenses in connection with the prolonged illness of

the subscriber himself or a member of his family actually dependent on him.

(b) To pay for the overseas passage for reasons of health of the

subscriber or for the performance of Haj.

(c) To pay for the overseas passage for reasons of education and such other lump sum expenditure as admission or advance tuition fees of any member of the applicant's family actually dependent on him.

(d) To pay obligatory expenses on a scale appropriate to the

applicant's status in connection with funerals or ceremonies, which by his religion it is incumbent on him to perform, or in connection with the marriage of any member of his family who is actually dependent on him or of a female relative so dependent. The sanctioning authority may, in its discretion, grant any number of advances under sub-rule (1) above; provided the total amount of such advances does not exceed the maximum amount arrived at through calculations vide sub-rule (1).

(2) Upto eighty percent.-A special non-refundable retirement advance not

exceeding eighty % of his credit balance in the fund, may be granted to an officer who is retained in service beyond the age service limit for normal retirement prescribed for the rank he is holding.

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12

(3) Upto sixty percent.-A subscriber who is due, to attain within 5 years the age service limit for normal retirement prescribed for the rank he is holding, may draw an advance from his DSOP fund on non-refundable basis without assigning any reason upto 60 % of the total amount standing to his credit in the fund.

32. (1) Advance for Liquidation of House Building Advance Drawn from the Government.-A subscriber who is due to attain within five years the age/service limit for normal retirement prescribed for the rank he is holding may be granted of non-refundable advance from the DSOP fund, not exceeding 80 % of the balance at credit, for the purpose of liquidating the outstanding amount of the house building advance drawn from government. The amount so drawn shall be treated as part of the final payment of the amount standing to the credit of the subscriber when the final payment becomes due. It shall also be subject to the following further conditions:-

(a) the amount of the advance is not in excess of the balance of the house building advance drawn from government with the interest accrued thereon;

(b) the advance shall be drawn only after an agreement is executed

between the subscriber and the President in the form set out in the fifth schedule to these rules; and

(c) in case the land or the house is sold or otherwise alienated by its

owner to any other person while the subscriber is in service, the subscriber shall forthwith repay into the fund the entire amount of the advance together with interest accrued thereon, in a lump sum.

(2) Advance for Liquidation of House Building Advance Drawn from the

Financial Institution.-A subscriber who is due to attain within 5 years the age/service limit for normal retirement prescribed for the rank he is holding may be granted advance from the DSOP fund on non-refundable basis, to repay loan taken from a financial institution. The grant of the advance shall be subject to the following conditions:-

(a) The advance shall not exceed 80% of the amount standing to his credit in the fund.

(b) The sanctioning authority shall satisfy itself of the amount of loan

taken and the balance payable. The amount of advance shall not in any case, exceed the balance payable by the government servant concerned.

(c) The government servant shall, within a period of two weeks from

the date of drawal of the advance produce satisfactory evidence before the accounts officer to show that the advance has been utilized for the purpose of which it was drawn, failing which the entire amount will become refundable in lump sum with interest.

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13 33. Conversion of Refundable Advance into Non-Refundable.-An officer who has drawn any advance from the DSOP fund on refundable basis under rules 23, 24, 25, or for the reasons given in rule 31(l) may exercise the option to convert the unpaid balance into non-refundable where he is due to attain within five years the age service limit for normal retirement prescribed for the rank held by him at the time of exercising this option. The balance of the advance, on the exercise of such option by the officer concerned, shall be treated as part of the final payment of amount standing to his credit in the fund when the final payment becomes due.

SECTION VIII.-INSURANCE POLICIES 34. (1) Payment towards a policy of insurance of any description on the

subscriber's own life may, at his option, be substituted for the whole or part of the subscriptions to the fund, subject to the conditions given in the subsequent paragraphs.

(2) Any amount standing to the credit of a subscriber in the Fund may be

withdrawn to meet:-

(a) Payments towards an insurance policy. (b) Purchase of a single payment insurance policy.

Provided that no amount shall be withdrawn to meet any payment

or purchase made or effected more than twelve months before the withdrawal.

35. If the total amount of any subscriptions or payments is less than the amount of subscription payable to the fund under rule 8 the difference shall be rounded off to the nearest rupee in the manner provided in rule 13 and paid by the subscriber as a subscription to the fund. 36. If the subscriber withdraws any amount standing to his credit in the fund for any of the purposes specified in sub-rule (2) of rule 34, he shall subject to his option under sub-rule (1) ibid continue to pay to the fund the subscription payable under rule 8. 37. (1) A subscriber who desires to substitute a subscription or payment under

sub-rule (1) of rule 34 may reduce his subscription to the fund accordingly.

Provided that the subscriber shall :-

(a) Intimate to the accounts officer on his pay bill or by letter the fact

of and reason for the reduction;

(b) Send to the accounts officer, within such periods as the accounts officer may require, receipts or certified copies of receipts in order to satisfy the accounts officer that the amount by which the subscription has been reduced was duly applied for the purpose specified in sub-rule (1) of rule 34.

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14

(2) A subscriber who desires to withdraw any amount under sub rule (2) of rule 34 shall:-

(a) Intimate the reason for the withdrawal to the accounts officer by

letter;

(b) Make arrangements with the accounts officer for the withdrawal;

(c) Send to the accounts officer within such period as the account officer may require, receipts or certified copies of receipts in order to satisfy the accounts officer that the amount withdrawn was duly applied for the purpose specified in sub-rule (2) of rule 34.

(3) The accounts officer shall order the recovery of any amount by which

subscriptions have been reduced, or any amount withdrawn, in respect of which he has not been satisfied in the manner required by rule 37(l) (b) and (2) (c) with interest thereon at the rate provided in rule 17 from the emoluments of the subscriber and place it to the credit of the subscriber in the fund.

38. (1) Government will not make any payment on behalf of subscribers to

insurance companies, nor take steps to keep a policy alive.

(2) It is immaterial what form the policy takes, provided that it shall be on the life of the subscriber himself and shall (unless it is a policy expressed on the face of it to be for the benefit of his wife, or of his wife and children, or any of them) be such as may be legally assigned by the subscriber himself to the President.

Explanation l.- A policy on the joint lives of the subscriber and

the subscriber's wife or husband shall be deemed to be a policy on the life of the subscriber for the purpose of this sub-rule.

Explanation 2.- A policy which has been assigned to the

subscriber's wife shall not be accepted unless either the policy is first re-assigned to the subscriber or the subscriber and his wife both join in an appropriate assignment.

(3) The policy may not be effected for the benefit of any beneficiary other

then the wife of the subscriber or his wife and children or any of them. 39. (1) The policy, within three months, or in the case of an insurance company

whose headquarters are outside Pakistan, within such further period as the account officer, if he is satisfied by the production of the completion certificate (interim receipt) may fix, after the first withholding of a subscription or withdrawal from the fund in respect of the policy shall:-

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15 (a) Unless it is a policy expressed on the face of it to be for benefit

of the wife of the subscriber, or of his wife and children, or any of them, be assigned, by an endorsement on the policy in the form set forth in the sixth schedule, to the President, as security for the payment of any sum which may become payable to the fund by the subscriber under rules 34 to 42 and delivered to the accounts officer.

(b) If it is a policy expressed on the face of it to be for the benefit of

the wife of the subscriber, or of his wife and children, or any of them, be delivered to the accounts officer.

(2) The Accounts Officer shall :-

(a) Satisfy himself if the assignment has been properly made and by reference to the Insurance Company where possible, that no prior assignment of policy exists, or where there is no assignment if the policy is suitable one and as such acceptable.

(b) Register the policy including assignment, if any, by recording its

full particulars.

(c) Within three months of the registration of the policy, return it to the subscriber either personally after obtaining proper receipt or through registered post acknowledgement due for its safe custody.

(3) If the policy is not assigned and delivered within the said period of three

months or such further period as the accounts officer may, under sub-rule (1) have fixed any amount withheld or withdrawn from the fund in respect of the policy shall, with interest thereon at the rate provided in rule 17 forthwith be paid or repaid as the case may be, by the subscriber to the fund, or, in default be ordered by the accounts officer to be recovered by deduction from the emoluments of the subscriber by instalments or otherwise, as the government may direct.

(4) Notice of assignment of the policy shall be given by the subscriber to the

insurance company, and the acknowledgement of the notice by the insurance company, shall be sent to the accounts officer within three months of the date of assignment.

Note:- Subscribers are advised to send notice of the assignment to

the insurance company in duplicate. The policy itself, bearing the assignment endorsed thereon, need not be sent to the company as insurance companies do not ordinarily require the production of the original instruments affecting a policy holder's title until the policy becomes a claim.

40. (1) Save as provided by sub-rule (2) of rule 42 when the subscriber:-

(a) quits the service, or

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16 (b) has proceeded on leave preparatory to retirement and applies to

the accounts officer for reassignment or issue of no objection certificate of the policy or;

(c) while on leave, has been permitted to retire or declared by a

medical board to be unfit for further service and applies to the accounts officer for reassignment, or issue of no objection certificate of the policy or;

(d) pays or repays to the Fund the whole of any amount withheld or withdrawn from the fund for any of the purposes mentioned in sub-rule (1) of rule 34 and clauses (a) and (b) of sub-rule (2) with interest thereon at the rate provided in rule 17, the accounts officer shall:-

(i) If the policy has been assigned to the President and

registered under rule 39, or under the corresponding rule heretofore in force, reassign the policy on receipt after maturity in the first form set forth in the Seventh Schedule, to the subscriber or to the subscriber and the joint assured, as the case may be and give a signed notice of the reassignment to the Insurance Company,

or

(ii) If the policy has been delivered to him under sub rule

39(I) (b) and registered under that sub rule, issue no objection certificate in respect of that policy; Provided that, if the subscriber, after proceeding on leave preparatory to retirement or after being, while on leave, permitted to retire or declared by a competent medical authority to be unfit for further service, returns to duty, any policy so reassigned or no objection certificate issued in respect thereof shall, if it has not matured or been assigned or charged or encumbered in any way, be again assigned to the President and delivered to the Account Officer, as the case may be, in the manner provided in rule 39, and these upon the provision of these rules as far as may be, again apply in respect of the policy. Provided further that, if the policy has matured or been assigned or charged or encumbered in any way, the provisions of rules 39 (3) applicable to a failure to assign and deliver a policy shell apply.

(2) Save as provided by sub-rule (2) of rule 42, when the subscriber dies before quitting the service, the accounts officer shall:-

(a) If the policy has been assigned to the President under rule 39, assign the policy in the second form set forth in the seventh

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17 schedule to such person as may be legally entitled to receive it,

and shall give a signed notice of the reassignment to the insurance company.

(b) If the policy has been delivered to him under clause (b) of sub-

rule (1) of rule 39 issue no objection certificate in respect of that policy to the beneficiary, to such person as may be legally entitled to receive it.

41. (1) Save as provided by sub-rule (2) of rule 42 if a policy assigned to the

President under rule 39 matures before the subscriber quits the service and before his death, the accounts officer shall realise the amount assured on receipt of policy and shall deduct therefrom the whole of any amount withheld or withdrawn from the fund in respect of the policy, with interest thereon at the rate provided in rule 17, and shall place the amount so deducted to the credit of the subscriber in the fund. The balance, if any, shall at the option of the subscriber, be paid to the subscriber or placed to the credit of the subscriber in the fund.

(2) Save as provided by sub-rule (2) of rule 42, if a policy delivered to the

accounts officer under clause (b) of sub-rule (1) of rule 39, matures before the subscriber quits the service and before his death, the accounts officer shall issue no objection certificate in respect of that policy to the subscriber, who shall pay or repay to the fund the whole of any amount withheld or withdrawn from the fund in respect of the policy, with interest thereon at the rate provided in rule 17, and, in default, the provisions of sub-rule (3) of rule 39, applicable to a failure to assign and deliver a policy shall apply.

42. (1) If the policy lapses or becomes assigned otherwise than to the President

under rule 39, charged or encumbered, the provisions of sub-rule (3) of rule 39, applicable to a failure to assign and deliver a policy shall apply.

(2) If the accounts officer receives notice of:-

(a) an assignment (otherwise than an assignment to the President)

under rule 39, or

(b) a charge or encumbrance on; or

(c) an order of a court restraining dealings with, the policy or any amount realised thereon, the accounts officer shall not:-

(i) assign or reassign or issue no objection certificate as

provided in rule 40, or

(ii) realise the amount assured by the policy or dispose of any part of any amount so realised, or issue no objection certificate as provided in rule 41, and shall forthwith refer the matter to the President.

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18

SECTION IX.-FINAL WITHDRAWAL OF ACCUMULATION IN THE FUND

Nomination 43. (1) (a) The accounts officer shall require every subscriber at the time of

joining the fund to make a nomination conferring the right to receive the amount that may stand to his credit in the fund in the event of his death before quitting the service.

(b) A subscriber who, at the time of joining the fund, has a family

shall send to the accounts officer a nomination in the form set forth in the eighth schedule to these rules in favour of one or more members of his family.

(c) A subscriber who has no family shall similarly nominate a person

or persons in the form set forth in the ninth schedule to these rules:

Provided that a nomination made under this clause shall be

deemed to have been duly made in accordance with these rules only for so long as the subscriber has no family.

(d) If a subscriber at any time acquires a family, he shall send to the

accounts officer a nomination as provided in clause (b) and if he has under clause (c) nominated any person other than a member of his family, he shall formally cancel the previous nomination.

(e) A subscriber may in his nomination distribute the amount that

may stand to his credit in the fund amongst his nominees at his own discretion.

(f) A nomination may be cancelled by a subscriber provided that it is

replaced at the same time by any other nomination which is permitted to be made under this rule. On the death of a nominee a subscriber shall make a fresh nomination.

(2) When a nomination purports to dispose of a subscriber accumulation in

the fund otherwise than to a member or members of his family, the accounts officer shall call upon the subscriber to state whether he has a family, and if it is found that he has one, a fresh nomination in favour of a member or members of such family shall be submitted by the subscriber.

(3) A nomination in favour of an adopted child is made at the subscriber's

risk and can be challenged at any time. If doubts arise in an individual case, the accounts officer concerned shall refer the matter to the Adjutant General or the Chief of Naval Staff or Chief of Air Staff as the case may

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19 be, and the decision of that authority shall be final for the purpose of

these rules. Final Payment 44. (1) When a subscriber quits the service the sum standing at his credit in the

fund shall become his property and shall be paid to him by the accounts officer. The procedure for the final payment of deposits is as follows:-

(a) Subscribers will submit their applications direct to the

accounts officer.

(b) The accounts officer will sanction payment of the deposits. The accounts officer, may sanction in urgent cases interim payment upto the actual balance standing to a subscriber's credit on the books in his office on the 30th June in the year prior to the subscriber retiring, proceeding on leave preparatory to retirement, or being invalided, etc, if delay is anticipated in making payment in full.

In working out the actual amount to be paid as interim

payments, the accounts officer will also take into account any withdrawals which may have taken place after 30th June, final payment will be made to the subscriber as soon as subsequent subscriptions have been credited and requirements of the rules have been satisfied. Officers transferred permanently to the civil and struck off the effective list will be permitted to exercise the option of withdrawing the amounts standing to their credit in the fund.

(2) When a subscriber is removed or dismissed from service the sum at his

credit shall be paid to him in the manner prescribed in sub-rule (I).

(3) Where a subscriber becomes insane prior to retirement, or absconds, or if his whereabouts cannot be ascertained, and he is duly declared to have quitted the service, the sum at his credit in the fund may, subject to the approval of the government, be disposed of in accordance with the nomination furnished by the subscriber under this rule, subject to the condition that any person to whom payment is made shall execute a bond signed by two sureties to indemptify government against all claims in respect of the amount in question.

(4) A subscriber who has been granted leave preparatory to retirement or

who while on leave is either permitted to retire or is declared by a medical board to be unfit for further service, may withdraw the amount standing at his credit in the fund at any time between the commencement of the leave, or the date of such permission, or of such declaration, as the case may be, and the date of actual retirement. The accounts officer

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may, however, sanction, in urgent and special circumstances interim payment

Page 31: defence services officers provident fund part i (rules)

20 as laid down in clause (b) of sub-rule (1) of rule 44, prior to the

commencement of an officer's leave preparatory to retirement. This amount will be adjusted at the time of final payment. If an officer who has drawn final payment of his DSOP fund is recalled to service during the leave pending retirement, he shall not be required to refund the amount so drawn by him. If he had received only interim payment the government may order recovery in full or in part, in cash and/or in securities, and at their discretion by instalments.

(5) On the death of a subscriber, before quitting the service:-

(a) When the Subscriber Leaves a Family

(i) If a nomination made by the subscriber in accordance

with the provision of clause (b) of sub-rule (1) of rule 43, in favour of a member, or members of his family subsists, the amount standing to his credit in the fund or the part thereof to which the nomination relates shall become payable to his nominees in the proportion specified in the nomination.

(ii) If no such nomination in favour of a member or members

of the family of the subscriber subsists, or if such nomination relates only to a part of the amount standing to his credit in the fund, the whole amount or the part thereof, to which the nomination does not relate, as the case may be, shall, notwithstanding any nomination purporting to be in favour of any person or persons other than a member or members of his family, becomes payable to the members of his family in equal shares.

Provided that no share shall be payable to the following:-

(aa) Sons who have attained legal majority; (bb) Sons of a deceased son who have attained legal majority; (cc) Married daughters whose husbands are alive; (dd) Married daughters of a deceased son whose husbands

are alive.

If there is any member of the family other than those specified in clauses (aa), (bb), (cc) and (dd):

Provided also that the widow or widows and the child or children of a deceased son shall receive between them in equal parts only the share which that son would have received if he had survived the subscriber.

Page 32: defence services officers provident fund part i (rules)

21 (b) When the Subscriber Leaves No Family

If a nomination made by him in accordance with the provisions of clause (c) of sub-rule (1) of Rule 43, in favour of any person or persons subsists, the amount standing to his credit in the fund or the part thereof to which the nomination relates, shall become payable to his nominee or nominees in the proportion specified in the nomination.

Notes:- (1) Any sum payable under these rules to a member of the family of

a subscriber vests in such member under sub section (2) of section 3 of the Provident Fund Act 1925.

(2) When a nominee is a dependent of the subscriber as defined in

clause (c) of section 2 of the Provident Funds Act 1925, the amount vests in such nominee under sub-section (2) of section 3 of that Act.

(3) When the subscriber leaves no family and no nomination made by

him in accordance with the provisions of rule 43 subsists, or if such nomination relates only to part of the amount standing to his credit in the fund, the relevant provisions of clause (b) and of sub-clause (ii) of clause (c) of sub-section (1) of section 4 of the Provident Funds Act, 1925, are applicable to the whole amount or the part thereof to which the nomination does not relate.

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22 SECTION X - PROCEDURE

45. All sums paid into the fund under these rules shall be credited in the books of the Government of Pakistan to an account named "The Defence Services Officers Provident Fund". Sums not claimed for a period exceeding six months after the subscriber has died or quitted the service shall be transferred to "deposits" at the end of the year, and treated under the ordinary rules relating to deposits. 46. The Accounts officer as defined in Rule 2 will be responsible for the payment of advances, and final withdrawals and arrangement for their payment. 47. When paying a subscription, except by deduction from emoluments at source, the subscriber shall quote the number of his account, which shall be communicated to him by the accounts officer and which shall remain unaltered until a change is intimated by the accounts officer. 48. As soon as possible after the close of each year, every subscriber shall be supplied with a statement of his account in the fund. Every such statement shall show the opening balance as on Ist July of the year; all amounts credited or withdrawn during the year; the amount of interest credited as on the 30th June of the year; and the closing balance as on that date. 49. Subscribers are required to satisfy themselves as to the correctness of the annual statements. Any errors should be brought to the notice of the accounts officer concerned within six months of the date of receipt of a statement. Powers to Issue Instructions 50. The authorities specified in rule 20 may issue such administrative instructions as are considered necessary for any or all purposes of these rules.

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23

FIRST SCHEDULE (Vide Rule 23)

FORM OF MORTGAGE OF IMMOVEABLE PROPERTY

THIS INDENTURE made the ----------------------day of --------------------one thousand nine hundred and ------------------------------between -------------------------- of ---------------------------------------------------------a Federal Government employee of --------------------------------------------------(hereinafter referred to as the mortgagor which term shall where the context, so admits include his heirs, executors, administrators and assigns) of the one part and the President of Pakistan (hereinafter referred to as the mortgagee which term shall where the context so admits include his successors and assigns) of the other part.

WHEREAS the mortgagor is absolutely seized and possessed of or other wise well entitled to lease hold rights in the land, hereditaments and premises, hereinafter described and expressed to be hereby conveyed transferred and assured (Hereinafter referred to as the said hereditaments).

AND WHEREAS the mortgagor has applied to the mortgagee for an advance of the sum of Rs....... (In words).............. out of the sum standing to his credit in the DSOP Fund for the purpose of enabling him to defray the expenses of the lease and development of the said hereditaments and building thereon a suitable residence for his own use. AND WHEREAS under the provisions contained in rule 23 of the Defence Services Officers' Provident Fund rules, 1973 (hereinafter referred to as the said rules which expression shall -where the context so admits include any amendment thereof or addition thereto from time to time in force) the mortgagee has agreed to advance to the mortgagor the said sum of Rs (In words) out of which the mortgagor hereby acknowledges the receipt of Rs ……………………. (In words) ……………. which have already been paid to the mortgagor in pursuance of an agreement executed on .................... 19……… between the mortgagor as borrower and the mortgagee and the remainder viz, Rupees being payable as entered and receipted from time to time in the schedule hereto. Now THIS INDENTURE WITNESSES that in pursuance of the said agreement and in consideration of the sum of Rs ----------(In words)---------------------paid or to be paid accordingly for the purpose of enabling the mortgagor to defray the hereinbefore recited expenses the mortgagor hereby covenants with the mortgagee to repay to the mortgagee the said sum of Rs ---------------- (In words) ------------------------- (and such further sums as shall hereafter be paid by him to the mortgagor pursuant to the hereinbefore recited agreement in that behalf) and interest thereon calculated according to the said rules.

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24

AND THIS INDENTURE ALSO WITNESSES that for the consideration aforesaid the mortgagor does hereby convey transfer and assure unto the mortgagee all that piece of land situated in the ----------------- district of -----------registration district of ......................................... sub-registration district of ..................... containing .................. more or less now in the occupation of mortgagor and bounded on the North by ............... on the South by ........................ on the East by .......................... and on the West by ................................................ together with the dwelling house and the out-offices, stables, cookrooms and out-buildings now erected or hereafter to be erected on the said piece of land together with all rights, casements and appurtenances to the said hereditaments or any of them belonging to hold the said hereditaments with their appurtenances including all erections and buildings hereafter erected and built on the said piece of land unto and to the use of the mortgagee absolutely subject to the proviso for redemption hereinafter contained PROVIDED ALWAYS that if and as soon as the said advance of Rs…………. (in words) .............. (and of such further sums as may have been paid as aforesaid) made upon the security of these presents shall have been repaid and interest thereon calculated according to the said rules by the deduction of monthly instalments of the salary of mortgagor as in the said rules mentioned or by any other means whatsoever then and in such case the mortgagee will upon the request and at the cost of the mortgagor recovery, retransfer or reassure the said hereditaments unto and to the use of the mortgagor or as he may direct AND it is hereby agreed and declared that if there shall be any breach by the mortgagor of the covenants on his part herein contained or if he shall die or quit the service before the said sum of Rs .............. (In words).................. (and any further sum as may have been paid as aforesaid) and interest thereon calculated according to the said Rules shall have been fully paid off then and in any of such cases it shall be lawful for the mortgagee to sell the said hereditaments or any part thereof either together or in parcels and either by public auction or by private contract with power to buy in or rescind any contract for sale and to resell without being responsible for any loss which may be occasioned thereby AND to do and execute all such acts and assurances for effectuating any such sale as the mortgagee shall think fit AND it is hereby declared that the receipt of the mortgagee for the purchase money of the premises sold or any part thereof shall effectually discharge the purchaser or purchasers therefrom AND it is hereby declared that the mortgagee shall hold the moneys to arise from any sale in pursuance of the aforesaid power UPON TRUST in the first place thereout to pay all the expenses incurred on such sale and in the next place to apply such moneys in or towards satisfaction of the moneys for the time being owing on the security of these presents and then to pay the surplus (if any) to the mortgagor AND it is hereby agreed and declared

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25

that the said rules shall be deemed and taken to be part of these presents. The mortgagor hereby covenants with the mortgagee that he, the mortgagor will during the continuance of this security observe and perform all the provisions and conditions of the said rules on his part to be observed and performed in respect of these presents and the said hereditaments. In WITNESS whereof the mortgagor has hereunto set his hand the day and year first above written, Signed by the said (Mortgagor) in the presence of ................................................................ FIRST WITNESS Address ................................................................ Occupation ............................................................... SECOND WITNESS Address ................................................................ Occupation .................................................................

(The deed should be registered) Schedule

Date: Received the sum of

Signature.

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26

SECOND SCHEDULE (Vide Rule, 27)

FORM OF AGREEMENT THIS INDENTURE made ......................... day of ...........................one thousand nine hundred and ........................... between .......................................... of ................................ (hereinafter called the subscriber which expression shall include his heirs, executors, administrators, legal representatives and assigns) of the one part and the President of Pakistan (hereinafter called the President which expression shall include his successors in office and assigns) of the other part. WHEREAS the subscriber has applied to the President to grant him an advance of Rs .............. (In words) ................... out of the sum standing to the credit of the subscriber in the DSOP Fund (hereinafter referred to as the fund) under the provision of rule 27 of the Defence Services Officer's Provident Fund Rules (hereinafter referred to as the rules which expression shall, where the context so admits, include any amendment thereof or addition thereto for the time being in force) which shall be deemed to form part of these presents to enable him to defray the expenses of building a house on the piece of land being plot No ........................ situated in .................. district of ..................sub-registration district of containing ................... more or less owned by and now in the possession of ................................ the subscriber/wife/son(s)/daughter(s) of the subscriber and the President has agreed to advance to the subscriber the said sum of Rs .................. (In words) ................... on the terms and conditions and in the manner laid down in the rules and as hereinafter contained;

NOW IT IS HEREBY AGREED between the parties to this agreement that in

consideration of the said sum of Rs…………….. (In words)……………… advanced by the President to the subscriber by instalments as entered and receipted from time to time in the schedule hereto annexed the subscriber shall expend the full amount of the said advance towards the building of a house on the said piece of land at the earliest possible opportunity and if the actual amount so expended is less than the sum advanced the subscriber shall repay the difference into the fund forthwith.

AND IT IS HEREBY FURTHER AGREED AND DECLARED that if the said

piece of land or the house built thereon is sold or otherwise alienated by its owner to any other person while the subscriber is in service, the subscriber shall forthwith repay into the fund the entire amount of the advance together with the interest accrued thereon in a lump sum;

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27 IN WITNESS whereof the subscriber has hereunto set his hand the day and year first above written. Signed by the subscriber in the presence of ................................................................ FIRST WITNESS Address ................................................................ Occupation ............................................................... SECOND WITNESS Address ................................................................ Occupation .................................................................

SCHEDULE Serial No. Date

Amount of instalment

Signature of Subscriber.

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28

THIRD SCHEDULE

(Vide Rule 28)

FORM OF AGREEMENT

THIS INDENTURE made the ........................ day of ....................one thousand nine hundred and ............... between ....................... of ................. (hereinafter called the subscriber which expression shall include his heirs, executors, administrators, legal representative and assigns) of the one part and the President of Pakistan (hereinafter called the President which expression shall include his successors in office and assigns) of the other part. WHEREAS the subscriber has applied to the President to grant him an advance of Rs ..............(In words) ............. out of the sum standing to the credit of the subscriber in the DSOP Fund (hereinafter referred to as the fund) under the provisions of rule 28 of the Defence Services Officers' Provident Fund Rules (hereinafter refereed to as the rules which expression shall, where the context so admits, include any amendment thereof or addition thereto for the time being in force which shall be deemed to form part of these presents to enable him to purchase a house on the piece of land being plot No .................................situated in...........................district of...............sub-registration district of ......................... and the President has agreed to advance to the subscriber the said sum of Rs ................(In words) ...................on the terms and conditions and in the manner laid down in the rules and as hereinafter contained; NOW IT IS HEREBY AGREED between the parties to this agreement that in consideration of the said sum of Rs......... (In words)................ advanced by the President to the subscriber, the subscriber shall expend the full amount of the said advance towards the purchase of the said house within three months from the drawal of the advance and, if actual amount so expended is less than the sum advanced, shall repay the, difference into the fund forthwith.

AND IT IS HEREBY FURTHER ARREED AND DECLARED that if the said house is sold or otherwise alienated by the subscriber while he is in service, the subscriber shall forthwith repay into the fund the entire amount of the advance together with the interest accrued thereon in a lump sum; IN WITNESS whereof the subscriber has hereunto set his hand the day and year first above written. Signed by the subscriber in the presence of .......................................................... FIRST WITNESS Address ................................................................ Occupation ............................................................... SECOND WITNESS Address ................................................................ Occupation .................................................................

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FOURTH SCHEDULE (Vide Rule 29)

FORM OF AGREEMENT THIS INDENTURE made the ...................................... day of ................. one thousand nine hundred and ................................ between ........................... of ...............................(hereinafter called the subscriber which expression shall include his heirs, executors, administrators, legal representatives and assigns) of the one part and the President of Pakistan (hereinafter called the President which expression shall include his successors in office and assigns) of the other part. WHEREAS the subscriber has applied to the President to grant him an advance of Rs .................................(In words) ....................... out of the sum standing to the credit of the subscriber in the DSOP Fund (hereinafter referred to as the fund) which shall be deemed to form part of these presents to enable him to purchase an evacuee house on the piece of land being plot No .......................................situated in................................. and the President has agreed to advance to the subscriber the said sum of Rs ..................... (In words) ................................. on the terms and conditions and in the manner laid down in the rules and as hereinafter contained: NOW IT IS HEREBY AGREED between the parties to this agreement that in consideration of the said Sum of Rs....... (In words)................ advanced by the President to the subscriber shall expend the full amount of the said piece of land at the earliest possible opportunity and if the actual amount so expended is less than the sum advanced the subscriber shall repay the difference into the fund forthwith. AND IT IS HEREBY FURTHER AGREED AND DECLARED that if the said house is sold or otherwise alienated by its owner to any other person while the subscriber is in service, the subscriber shall forthwith repay into the fund the entire amount of the advance together with the interest accrued thereon in a lump sum; IN WITNESS whereof the subscriber has hereunto set his hand the day and year first above written. Signed by the subscriber in the presence of .......................................................... FIRST WITNESS Address ................................................................ Occupation ............................................................... SECOND WITNESS Address ................................................................ Occupation .................................................................

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30

FIFTH SCHEDULE,

(Vide Rule 32)

FORM OF AGREEMENT THIS INDENTURE made the ......................day of .............................one thousand nine hundred and ............................. between .....................................of ......................... (hereinafter called the subscriber which expression shall include his heirs, executors, administrators, legal representatives and assigns) of the one part and the President of Pakistan (hereinafter called the President which expression shall include his successors in office and assign) of the other part. WHEREAS the subscriber has applied to the President to grant him an advance of Rs ...............(In word) ........................ out of the sum standing to the credit of the subscriber in the DSOP Fund (hereinafter referred to as the fund) under the provisions of rule 32 of the Defence Services Provident Fund Rules (hereinafter referred to as the rules which expression shall, where the context so admits, include any amendment thereof or addition thereto for the time being inforce) which shall be deemed to form part of these presents to enable him to repay the outstanding amount of the advance drawn from government to defray the expenses of building a house on the piece of land being plot No .............situated in ..................district of .........................sub-registration district of ........ containing .................... more or less owned by, and now in the possession of ................ the subscriber/wife/son(s)/ daughter(s) of the subscriber and the President has agreed to advance to the subscriber the said sum of Rs............ (In words) .............. on the terms and conditions and in the manner laid down in the rules and as hereinafter contained. NOW IT IS HEREBY AGREED between the parties to this agreement that inconsideration of the said sum of Rs.. . . . (In words).............. advanced by the President to the subscriber as entered and receipted in the schedule hereto annexed the subscriber shall expend the full amount of the said advance towards the liquidation of the aforesaid house building advance drawn from government with the interest accrued thereon within two weeks after the drawal of the advance failing which the subscriber shall forthwith repay into the fund the entire amount of the advance together with interest, if any, accrued thereon in a lump sum.

AND IT IS HEREBY FURTHER AGREED AND DECLARED that if the said piece of land or the house built thereon is sold or otherwise alienated by its owner to any other person while the subscriber is in service, the subscriber shall forthwith repay into the fund the entire amount of the advance together with the interest accrued thereon in a lump sum;

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31 IN WITNESS whereof the subscriber has hereunto set his-hand the day and year first above written:-

Signed by the subscriber in the presence of .......................................................... FIRST WITNESS Address ................................................................ Occupation ............................................................... SECOND WITNESS Address ................................................................ Occupation .................................................................

S.No Date Amount of advance Signature of Subscriber

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32

SIXTH SCHEDULE

(Vide Rule 39) FORM OF ASSIGNMENT

“I................of.............. hereby assign unto the President of Pakistan within policy of

assurance as security for payment of all sums which under rules 40 to 42 of the rules of the Defence Services Officers' Provident Fund, I may hereafter become liable to pay to the fund. I hereby certify that no prior assignment of the within policy exists".

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33

SEVENTH SCHEDULE

(Vide Rule 40)

FORMS OF REASSIGNMENT AND ASSIGNMENT BY THE PRESIDENT OF PAKISTAN

(1)

All sums which have become payable by the above-named............ under rules 40 to 42 of the rules of the Defence Services Officers' Provident Fund having been paid and all liability for payment by him of any such sums in the future having ceased, the President of Pakistan does hereby reassign the within policy of assurance to the said ...................……………………………….........

Date ................................ 19 ………………………............

(2) The above named ......................... having died on the ..............................day ......... 19 ..........the President of Pakistan does hereby assign the within policy of assurance to ...........................

Date ………….......19..............…………………….

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34

EIGHTH SCHEDULE

(Vide Rule 43)

FORM OF NOMINATION WHEN SUBSCRIBER HAS A FAMILY

I hereby direct that the amount at my credit in the Defence Services Officers' Provident Fund at the time of my death shall be distributed among the members of my family mentioned below in the manner shown against their names. Name and address of the nominee or nominees

Relationship with the subscriber

Age of the nominee

Amount or share of accumulations

1 2 3 4

NOTE:-Column 4 shell be filled in so as to cover the whole amount at credit:- Station Date:

Signature of Subscriber (Signature of two witnesses)

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35

NINTH SCHEDULE

(Vide Rule 43)

FORM OF NOMINATION WHEN SUBSCRIBER HAS NO FAMILY

I hereby declare that I have no family and direct that the amount at my credit in the Defence Services Officers' Provident Fund at the time of my death shall, in the event of my having no family at that time also, distributed among the persons mentioned below in the manner shown against their names. Name and address of the nominee or nominees

Relationship, if any, with the subscriber

Age of the nominee

Amount of share of accumulations

1 2 3 4

NOTE:-Column 4 shall be filled in so as to cover the whole amount at credit. Station:- Date:

Signature of Subscriber

(Signature of two witnesses)

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36

TABLE OF CONCORDANCE DSOP Fund Rules 1973

Comparative pares of DSOP Fund Rules1931

Other references Remarks

Als/JSls Govt ltr If any 1 2 3 4 5

1 1 2 2 Modified in the light

of GP Fund (Central Services) Rule,1963.

3 3(i) 4 5

3 (ii & iii) 3 (iii)

Min of Finance OM no. F 21(2)-RI/51 dated 28-3-51, Govt of Pakistan Itr no JCS-2/1-527/14/ D-8 of 17 Sep. 58 and even no of 6 Oct 58, and 3 Dec 68.

6 3(iv) 7 4(i)(ii) -do- AIP 135/51. 8 4(ii) 9 4(ii) 10 4(ii) 11 4 (ii) Govt ltr no. 4865/

1292/PS-3(b)/2468/ D-2 (A) of 20 Jun 61.

12 4 (ii) 13 4 (iv) 14 4 (v) 15 16

4 (vi) 5 (i & ii)

Govt of Pakistan Itr no. 2691 OSD of 7 Jul 70 and Min of Finance OM no. F 8 (9)- R-8/71 of 17-1-72.

17 6 18 - New

(explanatory) 19 7(i) 20 7(i) 21 - New

(based on rule 34 of FR Part-I)

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37

1 2 3 4 5 22 (1) 7(ii) Govt of Pakistan ltr no.

Fl(14)RI(3)/57 of 27 Mar 58 and Mindef ltr no. JSS-2/ 527/15 PC-l dated 13 May 58.

22(2) 7 (iii) 22 (3) 7 (iv) 22 (4) 7 (v) 22(5) 7 (vi) (a) 22 (6) 7 (vi) (b) 22 (7) 7 (Vii) 23 (1-7) 7A (a-c) JSI 53/62 24 - JSI 29/62 25 - JSI 55/60 & 8/63 26 7 (i & ii) 27 - JSI 28/66,

26/67, 13/69, 27/69 & 12/70

28 - JSI 11/70 29 - JSI 20/69 Govt of Pakistan Min of

Def CS No. I/VII/74 ltr No. F-6 262/D-19 (Misc)/ 77 dated 5 Nov 77.

30 - JSI 13/67* *and Min of Fin Notification No. F2 (10) R(8)/71 of 8 Oct 71 relating the purchase of agricultural land from a private party.

31 - JSI 29/68, 22/70, 21/72 & 30/75

32 - JSI 17/72, 30/75 & CS 5/73

33 - JSI 35/68 & 26/67

34 (1) 8-A(I) 34 (2) 8-A *Subject to notification being also applied to service officers.

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38

1 2 3 4 5 35 8B (1) 36 8B (2) 37 (1) 8C (1) 37 (2) 8C (2) 37 (3) 8C (3) 38 (1) 8D (1) 38 (2) 8D (2) Mindef Itr no.

2/69/ OSD of 7 Jul 70.

38 (3) 8D (3) 39 (1) 8E (1) 39 (2) 8E (2) 39 (3) 8E (3) 39 (4) 8E (4) 40(1&2) 8F (1& 2) 41(1&2) 8G (I & 2) 42(1&2) 8H(1 & 2) 43 (1) (a-f)

9 (i) a to f

43 (2) 9 (ii) 43 (3) 9 (iii) 44(1-5) 9 (iv to viii) JSI 21/66 45 10 (i) 46 10 (ii) 47 10 (iii) 48 10 (iv) (a) 49 10 (iv) (b) 50 - New

(Formal) SCHEDULES

First 7A (a-c) JSI 53/62, Al 233/51

Second - JSI 28/66 Corr 1/69

Third - JSI 11/70 Fourth - JSI 20/69 Fifth - JSI 17/72 and

Corr 5/73

Sixth 8F Seventh 8F Eighth 9(1) (b) Ninth 9 (1) (c)

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DEFENCE SERVICES

OFFICERS PROVIDENT FUND

PART II (INSTRUCTIONS)

1973

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41

RECORD OF CORRECTIONS Amendment Number By Whom Amended Date of Insertion

Note : - All queries will be addressed to Regulations Dte AG’s Branch, GHQ, Rawalpindi

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42

PREFACE

DSOP Fund Instructions are issued under the authority of DSOP Fund Rule 50. These contain explanatory points and procedures for paying subscriptions, obtaining advances, final withdrawals etc., from the -fund, and will be strictly complied with.

2. At the end of the book, a table of concordance has been added showing references on which various provisions have been based. PAOS and GHQ letters quoted therein will cease to apply on the promulgation of this book.. 3. These Instructions have been issued with the agreement of MAG.

Major General Adjutant General,

(Zahid Ali Akbar Khan) General Headquarters, Rawalpindi, December 1980 No. 6089/1/RF-3.

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43

TABLE OF CONTENTS DSOP FUND INSTRUCTIONS

INTRODUCTORY

Instrs 1. Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . 1

ADMISSION TO THE FUND 2. Automatic admission of all officers . . . . . . . . . . . . . . . . . . . . . . . 2 SUBSCRIPTONS 3. During leave pending retirement/release . . . . . . . . . . . . . . . . . . . 3 4. Increase/Decrease in subscriptions . . . . . . . . . . . . . . . . . . . . . . . . 4 5. Recovery of arrears . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . 5

6. Annual statement of account . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

6

ADVANCE FROM THE FUND 7. General . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . 7

8. Amount of advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

7A

REFUNDABLE ADVANCS 9. House building advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. 8

10. Limit of advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

9

11. Applications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

10

12. Scrutiny of applications . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

11

13. Conveyance of sanction/submission of documents . . . . . . . . . . 12 14. Claiming subsequent instalments . . . . . . . . . . . . . . . . . . . . . . . . . 13 15. House completion certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. 14

16. Reporting inability to send documents.1house completion certificates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

15

17. Purchase of evacuee houses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

16

18. Other advances . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

17

19. Conveyance of sanction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

18

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44

Instrs NON-REFUNDABLE ADVANCES 20. Application form (house building advance) . . . . . . . . . . . . . . . . . 19 21. Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . 20

22. Purchase of house including evacuee house . . . . . . . . . . . . . . . . . 21 23. Purchase of agricultural land . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22 24. Miscellaneous purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. 23

25. Conversion of refundable advance into non-refundable advance 24 FINAL WITHDRAWAL 26. Nominations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . . 25

27. Formula for distribution of amount . . . . . . . . . . . . . . . . . . . . . . . . . 26 28. Nomination must be kept up-to-date . . . . . . . . . . . . . . . . . . . . . . . 27 29. Copy of nomination form to CORO . . . . . . . . . . . . . . . . . . . . . . . . 28 30. Annual report by CMA (O) regarding nomination forms . . . . . . . 29 31. Explanatory note on nomination . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 32. Procedure for interim payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31 33. Procedure for final payment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 ANNEXES PAGES 34. ANNEX A. Application form – house building advance 58-60 35. ANNEX B. Application form – ordinary (refundable)

advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

61-62

36. ANNEX C. Final payment of DSOP Fund on the death/ insanity/ abscondence subscribers nomination . . . . . . . . . . . . . . . . . . . . . . . . . . . .

63-64

37. ANNEX D. Form of letter for interim payment . . . . . . . 65 38. ANNEX D. Form of letter for final payment . . . . . . . . . 66 39. Table of concordance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

. . 67-68

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45

DEFENCE SERVICES OF'FICERS' PROVIDENT FUND (INSTRUCMONS)

Relevant DSOP INTRODUCRORY Fund (Rule) I. The Defence Services Officers' Provident Fund was created to assist

and encourage savings by officers mainly for the benefit of their families and to enable the offices to rehabilitate themselves properly after retirement. It also provides for advances on grounds of extreme necessity to meet unforeseen and unavoidable expenditure during service. The money deducted from the emoluments of the officers as subscriptions to the fund is available to the government for investment in various developments etc, projects. This indirectly also benefits the subscribers. The government also undertakes to pay compound interest on the amount .subscribed by the officers. The accumulation in the fund cannot, therefore, be treated as a Current Bank Account to be drawn upon at the will of the subscriber. The money subscribed to the fund becomes the property of the government and ceases to be the, property of the officers during their service. After retirement the money becomes payable to the officer, or if be dies in service, to his family, or nominated heir/next of kin if the officer leaves no family.

During the last few years the scope)f advances from the fund has been

considerably liberalized but this liberalization aims at fruitful and beneficial projects like house. building, purchase of agricultural land etc, which contribute towards the rehabilitation of the officer and towards promoting his family welfare. Therefore, grant of advances from the fund, whether refundable or non-refundable, is governed by certain principles and a subscriber cannot treat it as a melted of right. The grant of advances is consequently entirely at the discretion of sanctioning authority.

ADMISSION TO THE FUND

4-6 2. All newly commissioned officers including reservists called up for

service and recommissioned officers will automatically be admitted to the fund from the date of grant of commission. Reservists called up for training for one

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month in a year will however not be admitted to the fund. The accounts officer will admit the officer at the prescribed minimum rate unless the officer has expressly asked to subscribe more than the minimum. Action to admit the officers to the fund will be taken by accounts officer immediately as under:-

a. Officers Newly Commissioned from PMA/OTS. On receipt of Form 'A’ from PMA/OTS.

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46 Relevant DSOP Fund (Rule)

b. Directly Commissioned/Recalled/Recommissioned Officers .On receipt of first intimation of their joining duty.

Notes (1) While despatching Form 'A', PMA/OTS will inform the

officer that he may subscribe more than the minimum. If so, he may indicate it in Form 'A' or by a separate application to the accounts officer. This application and nomination form will be despatched to the accounts officer along with Form 'A'.

(2) Officer Commanding will also ask the Officer on joining

duty on commission, if he has exercised his option regarding DSOP Fund and about the nomination form. If not, action as in note (1) will be taken immediately by the OC unit.

(3) OC Unit will take the foregoing action in respect of

directly commissioned/recalled to service/ recommissioned officers.

SUBSCRIPTIONS

3. During Leave Pending Retirement/Release. Payment of subscriptions during leave pending retirement/release may be stopped by the officer.

11 4. Inerease/Decrease in Subscriptions. Request of the officer for

increase/decrease in rate of monthly subscriptions, other than normal annual change vide rule 11, will be sent to the account officer as quickly as possible when an officer is promoted or is to proceed abroad etc. Recovery of arrears, if any, will be effected as in instruction 5.

7-17 5. Recovery of Arrears. Vide rule 9, subscriptions are recoverable from

the first day of the month for which full pay is drawn. If due to some unavoidable factors, realisation of subscriptions (including subsequent increase) at source is delayed, their recovery of arrears will be so staggered that not more than two months subscriptions are recovered in one month, including subscriptions for the current month.

46-47 6. Annual Statement of Account. Lists of officers who do not receive

their annual statement of account for the preceding year by 31 January, will be forwarded by units direct to Director Pay, Pension and Accounts, GHQ.

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47 Relevant DSOP Fund (Rule)

ADVANCE FROM THE FUND 22 General

7. An advance should be applied for only when it is absolutely necessary. If recovery is requested in more than 24 instalments, full reasons must be given for consideration by the sanctioning authority. Application must be on proper form and must be completed with care in all respects, especially the columns showing credit balance and particulars of previous advances. The CO/recommending authority must scrutinise the application thoroughly and satisfy himself that the reasons given by the officer are genuine and deserve acceptance for the grant of advance. Such an authority is competent to reject an application on the spot or to recommend lesser amount of advance or increase/decrease in the number of recovery instalments. In recommending the amount of advance and the number of instalments, the repayment capability of the officer must be taken into account e.g, his normal subscription, any amount already being repaid for an earlier advance and other deductions from his pay vis-a-vis his other commitments.

It must be noted that except as provided for in rule 22, all refundable advances granted from DSOP Fund are recoverable concurrently. Furthermore, number of instalments once fixed cannot be increased. However, if the sanctioning authority considers it to be a genuine case of difficulty, it may issue a fresh sanction recoverable in any number of instalments. In such a case, the fresh sanction will also provide for the adjustment of the outstanding amount against the fresh advance. Requests of this nature should be recommended only in exceptional cases.

7A. The maximum amount of advance, where relevant, will be worked out on the basis of the emoluments the officer is in receipt of at the time of original sanction. Increase in emoluments occurring later either retrospectively or prospectively will not be taken into account.

NOTE:- SIGNAL/TELEGRAPHIC REMINDERS WILL NOT BE SENT TO GHQ.

REFUNDABLE ADVANCES

House Building Advance

23-24 8. As stated in sub-rule (1) to Rule 23 grant of house building advances is

governed mutatis mutandis by the rules in appendix III to Pay and Allowance Regulations for the army, volume 11 and DSOP Fund Rule. The term "house building" includes purchase of plot on which house is to be built.

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48 Relevant DSOP Fund (Rule)

9. An advance for house building drown only from the DSOP Fund is not to exceed eighty per cent of the amount standing to the credit of the subscriber or his twenty four months emoluments whichever is less. However, if the advance is drawn partly from government and partly from the DSOP Fund, the advance from the DSOP Fund will not exceed fifty per cent of his credit balance in the fund and total of both the advances will be limited to twenty four months pay of the officer or if he has less than ten years remaining service in his present rank then the amount which can be recovered from him at twenty-five per cent of his monthly emoluments. The recoverable amount will include interest thereon. (See Instruction 7A).

10. Applications. Applications for refundable house building advances will be submitted on the form published as Annex 'A' to these instructions. CO (Lt Col and above) will forward applications of officers under their command direct to Director Pay, Pension & Accounts, AG's Branch, GHQ, Rawalpindi. Their own applications will be forwarded through the next higher authority. No covering letters are required for such applications. Applications from officers of units commanded by Majors and below will be completed and routed as under:-

a. If the applicant is not commanding the unit, his CO will complete part II

and forward the application to the next higher formation commander. If the formation commander recommends the application he will complete part III and forward the application to GHQ without a covering letter.

b. Applications of officers commanding unit will be forwarded to next

higher commander who will complete part III if he recommends the application and send it to GHQ without covering letter.

Note.-In case of Colonels and above only part I of Annex ‘A’ will be

completed and application sent direct to Director Pay, Pension & Accounts GHQ without covering letter.

11. The recommending authority must scrutinize the applications carefully in the light of general instructions given in para 7 above. Special attention will be paid to the accuracy of the credit balance in the fund of the officer.

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49 Relevant DSOP Fund (Rule)

Notes (1) Only one house building advance is admissible for one station but if the officer did not draw his maximum entitlement, the difference between the said maximum to which he was entitled on date of original sanction and the amount actually drawn may be sanctioned as additional instalment.

24 (2) If application is for a second refundable advance for house-

building (see rule 24) the officer will state against serial 11, annex 'A' if previous advance has been fully repaid or not. vide rule, 24, a second advance is not admissible until the previous advance (including interest) has been fully repaid.

21 12. Conveyance of Sanction. If the application is approved, GHQ will

convey the sanction direct to CMA (0) with copy to the formation/unit concerned. The number of instalments and the amount of each instalment will be specified in the sanction. Within seven days of receipt of GHQ sanction, CMA (0) will issue cheque for the first instalment to the officer's bankers, under advice to the OC unit, the officer and GIIQ.

The OC unit will obtain from the officer concerned a contingent bill for the first instalment along with the following documents and forwarded it to CMA (0) within 48 hours of 'receipt of intimation of despatch of cheque to the Officers banker:-

a. Mortgage Bond (First Schedule to DSOP Fund Rules), duly registered

in a civil court, if the plot is already in possession of the officer, his wife or children; or

b. Agreement Form (Second Schedule to DSOP Fund Rules), if the plot

is to be purchased from the advance. if the officer is, due to reasons beyond his control, unable to do so, the matter will be reported immediately to Director Pay, Pension & Accounts GHQ with info to CMA (0). The reason and approximate date by which the said documents will be despatched, will also be stated.

23 13. After the aforementioned documents have been despatched to CMA

(0). the officer may claim subsequent instalments, by submitting a contingent bill accompanied by receipts for actual expenditure of the earlier instalment.

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50 Relevant DSOP Fund (Rule)

Notes (1) No registration fee is chargeable for the mortgage bond executed in favour of President of Pakistan.

(2) Agreement form is not required to be registered.

(3) Each contingent bill must be affixed with appropriate revenue

stamps.

(4) Each contingent bill beat a certificate under the signature of the officer that the amount is required to be spent within the next three months. This, however, does not mean that subsequent instalments may be claimed only after three months.

Provided the expenditure is certified as above, subsequent instalments may be claimed at any time.

(5) Contingent bill for purchase of land for house building will bear

a certificate under the signature of the officer concerned that purchase of land has been negotiated.

(6) Receipts/Contract Deeds etc, will be returned to the officer

by CMA (0) after check.

(7) Advance or any instalment thereof not claimed within one year of date of sanction will lapse. Fresh sanction will be required if advance/instalment is desired to be drawn. Full explanation for not drawing advance on date will be given to the sanctioning authority.

23(1) 14. House Completion Certificate. House completion certificate in the

following form will be forwarded to CMA (0) with a copy to GHQ (PP & A Dte) within twelve months of the drawal of first instalment:-‘

"Certified that the house building advance of Rs..... ..(In words). . . ...............drawn by me during ..............(financial year) ................ has been expended in full on the construction of House No ................... located in ............ which is now complete"* *A house is to be regarded as complete when it has

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51

Relevant DSOP Fund (Rule)

become habitable.

Signature ....................................... No. Rank & Name ........................ unit ............................................... Formation.....................................

Date.........................................

15. If the officer fails to send to the CMA (0) any document including the House Completion Certificate within the specified period, the CMA (0) will be at liberty to recover the amount advanced in full from his pay after the specified period. If the officer cannot submit the documents to CMA (0) within the specified period, his OC will refer the case to Director, Pay, Pension and Accounts GHQ for obtaining Government sanction, for extension of the period. A copy will be endorsed to CMA (0). The reasons for the officer's inability and the approximate date by which documents will be sent will be explained when requesting for extension of the period.

Advance for the Purchase of Evacuee Houses

25 16. Application and Procedure. Annex 'A' will be used (duly

modification) for application for purchase of an evacuee house, the additional information required by rule 25 being added to the existing entries. The procedure for sanction and payment given in Instruction 10 will apply except that the entire amount will be paid by CMA (0) in one instalment but only on receipt of contingent bill and required documents from the officer.

Transfer Subsequent Mortgage

16A. The position relating to transfer of property mortgaged to the Government against a house building advance and its subsequent mortgage with a bank, etc, is clarified below:- a. Transfer of Property. If the officer undertakes to repay the full

amount of advance drawn from the government, with interest, he can be allowed to transfer his equity of redemption in the mortgaged property. Such transfer does not affect the mortgage which subsists and the officer's liability under the loan agreement continues.

b. Subsequent Mortgage. There is no legal bar to the creation of

subsequent mortgages if such mortgages do not prejudice the right of the earlier mortgagee i.e, the

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52 Relevant DSOP Fund (Rule)

Government. Despite the subsequent mortgage, the equity of redemption remains with the mortgage and all that the mortgage does is that he further burdens that equity. The government interest will not be prejudiced by a subsequent mortgage if the subsequent mortgage agrees to pay the outstanding amount to the government in case he wishes to enforce his rights under the subsequent mortgage. This has to be included in the, subsequent mortgages,.

Ordinary (Refundable) Advances for Other Reasons

26 17. Applications. The form of application is given in Annex 'B'. Orders

contained in instructions 7 and 10 above also apply in this case. 21 18. Conveyance of Sanction. GHQ will convey the sanction direct to CMA (0)

under advice to the unit of the officer. within seven days of receipt of sanction, CMA (0) will issue cheque to the officer's bankers under advice to GHQ and the officer's unit. Within 48 hours of receipt of CMA (0) intimation of despatch of cheque, OC unit will obtain a stamped receipt from the officer and forward it to CMA (0). Reasons for any unavoidable delay giving the anticipated date by which the receipt will be sent, will be intimated by OC unit to Director Pay, pension & Accounts, GHQ with copy to CMA (0).

NON-REFUNDABLE ADVANCES

House Building Advance

27/32 19. Application Form. The form of application given in Annex 'A' will be used. It will be processed as given in instructions 7. Annex 'A' will be suitably modified when the application is made under rule 32.

27(3) 20. Procedure. Orders contained in instructions 10 and 11 will apply with the

following exceptions:-

a. The applicant will indicate in his application and GHQ in their sanction, the amount of first instalment. CMA (0) will issue cheque according to GHQ sanction.

27 (3) b. The land and the house constructed thereon are not required to be

mortgaged to the President but the contingent bill submitted to CMA(O) after the first instalment will be accompanied by the Agreement referred to rule 27(3).

c. A certificate only is to be endorsed on the contingent bill for the second

(and subsequent instalments if applicant draws it in more than two instalments), to the effect that the amount of the earlier instalment has been expended. No receipts etc, for expenditure are required to be sent to CMA (0).

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53 Relevant DSOP Fund (Rule)

Note:- House completion certificate is requited to be submitted as in instruction No. 14,

Advance for Purchase of a House including an Evacuee House

28-29 21. Subject to rules 28 and 29, application in annex ‘A’ will be modified

and used for these purposes also. Procedure for sanction and payment applicable to non-refundable house building advances will also apply with the following exceptions:-

a. The entire amount can be drawn in one instalment.

b. The contingent bill be accompanied by an agreement form mentioned in

rules 28 (2) and 29 (3).

c. For purchase of house other than evacuee house satisfactory evidence as required by rule, 28(4) for the expenditure shall be sent to CMA (0).

Advance for the Purchase of Agricultural laud

30 22. This advance is admissible only for the purchase of agricultural land

directly from the government or any private party. Application will be submitted as per annex ‘B’ to these instructions, duly modified/amended. The location of the land and name of any schemes of which it forms part will be stated in the application form. Proof of offer or negotiations will separately accompany the application form. The procedure for sanction and payment etc, is the same as for other advances with the exception that neither the land is to be mortgaged nor any agreement etc, is required. The amount is also payable in one instalment and t6e officer is only to submit a stami3ed receipt for it to CMA(O) after the cheque has been despatched to his bankers. Howev6r, within six months of the drawal of the advance, the officer will forward a proof of purchase of land to Director Pay, Pension and accounts, GHQ.

Non-refundable Advances for Miscellaneous Purposes

31 23. Application form given in annex 'B' will be modified/amended and used

for these purposes also. These advances are payable in one instalment. A stamped receipt for the amount- will be sent to CMA (0) after. receipt of intimation of despatch of cheque to the officer's bankers as in instruction 18.

54

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Relevant DSOP Fund (Rule)

Conversion of Refundable Advances into Non-refundable Advances 32-33 24. The officer will submit his application in manuscript to Director Pay,

Pension and Accounts, GHQ. If approved, he will convey the sanction to CMA (0) under intimation to the unit of the officer.

Note.- Instructions 7 & 10 will apply mutatis mutandis to application submitted

vide instructions 22, 23 & 24.

Final Withdrawal 43 25. Nomination. The nomination confers the right upon the family/nominee(s)

to receive the amount that stands to the credit of the officer in the DSOP Fund in the event of his death, insanity or abscondence before the officer concerned quits the service. This is a very important action which must be completed at the time of admission to the fund and when the officer acquires a family.

26. An officer, if he has a family, has no right to nominate any other persons. In the nomination form of his family (wife and children) he may give a specific formula for distribution of amount amongst wives (if he has more than one) and his children. If he has only one wife and children, he may nominate the wife only to receive the entire amount. Alternatively, he may specify the children's share and make it payable to them on maturity or to his wife if she is still their guardian. If the nomination does not give any specific shares, the amount will be equally distributed by the CMA (0) to each member of the family mentioned in the nomination form; in such circumstances, share of minor children can be paid to their mother or any other person who obtains a guardianship certificate from a court. In the absence of any nomination, the claimant(s) will have to produce succession certificate from a court.

43 27. All officers must realize the implications of the legal procedures given in

the rules and preceding instructions and avoid hardship to their families by recording proper nominations and keeping them up-to-date.

43 28. A copy of the nomination form will also be sent to CORO. If not

available with CMA (0) at the time of final payment, copy will be obtained from CORO/MPRS (0) for nursing officers) which will be considered as authentic for payment of credit balance in the DSOP Fund.

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55 Relevant DSOP Fund (Rule) 43 29. CMA (0) will report annually to Director Pay, Pensions and Accounts,

GHQ, particulars of officers who have not filled nomination forms or these are incomplete e.g, an officer having acquired a family has not replaced nomination form filed when he was unmarried.

30. An explanatory note on nominations is at annex ‘C’.

Procedure for Interim/Final Payment 44 31. Interim Payment. if the officer desires to continue paying subscriptions

during leave pending retirement, he, if he so desires, may claim interim payment of his credit balance as it stood on 30th June of the preceding financial year. Form CMA (0) with a copy to Director of letter to be written to Pay, Pension and Accounts, GHQ is at annex ‘D’. This letter will be accompanied by a stamped receipt for the amount and a copy of the retirement order. The officer should ascertain the amount from CMA (0) before sending his request for interim payment.

32. Final Payment

44 a. In regard to an officer who has received interim payment under

Instruction 31, CMA (0) will forward a final statement of account giving the terminal credit balance to the officer soonest possible after he is SOS and ask for a stamped receipt and address of bankers. On receipt of the stamped receipt the CMA (0) will issue a cheque to the bankers of the officer.

b. An officer, who has opted not to continue subscriptions during leave

pending retirement may ask for a final payment of his credit balance as it stands on the date he is SOD. The same procedure will apply to an officer who is dismissed or removed from service or is retired without leave pending retirement. Form of letter to be written to CMA(O) with a copy to Director Pay, Pension and Accounts, GHQ is at annex 'E',

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56 Annex A

(Ref Instruction 9)

APPLJCATIO.N FOR HOUSE BUIMING ADVANCE FROM DSOP FUND

PAP T I 1. personal no. rank and name : 2. Date of birth : 3. Date of commission (excluding antedate) : 4. Whether on new/old terms of service (AR Rules 262 and 262A as recast vide Al 62/71). 5. Bankers : 6. a. DSOP Fund Account no. : b. Rate of monthly subscription : c. Credit balance approx Rs-------on ------------ : 7. Emoluments (Present Rank)

a. Basic Pay : Rs b. Command/Staff Charge etc pay : Rs c. Disturbance pay : Rs d. Qualification pay : Rs e. Specialist pay : Rs f. Total : Rs

8. Amount 7f advance required

a. Total : Rs. b. Amount of first instalment : Rs.

9. Station where it is intended to build a house. 10. Whether the applicant:

a. Possesses clear title to the land on which the house is to be built and the land is available for mortgaging as soon as the advance is sanctioned. If so, give particulars of land ie, its situation, plot no. etc, or

State REFUNDABLE

or NON-REFUNDABLE

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57

b. Intends to buy land and build a house out of the advance applied for.

11. Details of previous advances granted for house building/house purchase, if any.

a. Ref no. and date of sanction: b. Amount

(1) From govt funds : Rs. (2) From DSOP fund : Rs. (3) Rate of monthly recovery : Rs.

12. Details of any loan granted by House Building Finance Corporation.

a. Amount : Rs. b. Date of sanction : c. How utilized : d. Rate of monthly instalment : Rs.

13. I certify that:-

a. The advance applied for is intended to build a new house for myself and I am aware of the rules and regulations for the grant of such advance namely time limit for construction of house.

b. I clearly understand that the construction of the house will not constitute

any grounds against orders that may be issued for my transfer or retirement nor will it be used to reinforce requests for posting to a specific station.

c. I also clearly understand that inadequacy of the advance to complete

the house will not constitute a valid excuse for not completing the house within the specified time and it is my responsibility to meet the deficiency under my own arrangement.

d. I will utilise the advance in full, if sanctioned, for building the house for

which the amount is being drawn. Station ................................. Signature ................................ No ........................................ Rank......................................... Date ..................................... Unit ..........................................

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58

PART II

RECOMMENDATION OF OC The application is recommended. I am satisfied that the request is genuine. His credit balance in the DSOP fund is approx Rs ................................... on ....................... Station ................................. Signature ................................ No ........................................ Rank......................................... Date ..................................... Unit ..........................................

PART III

RECOMMENDATION BY NEXT HIGHER COMMANDER

(For application of CO or unit officers if CO is below the rank of Lt Col) The application is recommended. I am satisfied that the request is genuine. His credit balance in the DSOP Fund is approx Rs .........……………….. on ...................... Station ................................. Signature ................................ No ........................................ Rank......................................... Date ..................................... Unit ..........................................

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59

Annex B (Ref Instruction 17)

APPLICAT14DN FOR DRAWAL OF ORDINARY (REFUNDABLE)

ADVANCE FROM DSOP FUNI)

PART I (To be completed by the applicant)

1. No. rank and name : 2. Date of birth : 3. Date of commission (excluding antedate) : 4. Whether on new or old terms of service (vide AR Rules : 62 and 262A recast by Al 62171). 5. Bankers : 6. a. DSOP fund account no : b. Monthly subscription : Rs c. Credit balance (approx) : Rs 7. Emoluments (present rank) : Rs

a. Basic pay : Rs b. Command/Staff/Charge etc pay : Rs c. Disturbance pay : Rs d. Qualification pay : Rs e. Specialist pay : Rs f. Total : Rs

8. Amount of advance required : Rs 9. Reason for advance : 10. Number of monthly instalments in which advance is desired to be refunded.

*(not more than 24 instalments) I understand that instalments of all advances are recoverable simultaneously. @However, I request that recovery of present advance may be postponed until advance from Government sanctioned vide ................................ has been fully repaid. @(Delete if not applicable) *(Give reasons if recovery is desired in more than 24 instalment) Station ................................. Signature ................................ No ........................................ Appointment............................. Date ..................................... Name........................................

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60 PART II

RECOMMENDATION BY CO

1. I recommend the grant of advance and that it be recovered in .................... instalments, which the officer will be able to pay without unnecessary financial strain. 2. I also recommend that recovery of this advance may be postponed as

requested by the officer at serial 10 of part f. 3. Credit balance of the officer on ....................................... is approx Rs .................. (In words) .................. Station ................................. Signature ................................ No ........................................ Rank......................................... Date ..................................... Unit ..........................................

PART III RECOMMENDATION BY NEXT HIGHER COMMANDER

(For application of CO or unit officers if CO is below the rank of Lt Col)

The application is recommended. I am satisfied that the request is genuine. His credit balance in the DSOP Fund is approx Rs on I recommend recovery in instalment I agree/do not agree with the request of the officer given in serial 10 of part I.

Station ................................. Signature ................................ No ........................................ Rank......................................... Date ..................................... Unit ..........................................

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61 Annex C

(Ref Instruction 25) FINAL PAYMFNT OF DSOP FUND ON THE DEATH/INSANRRY/

ABSCONDENCE OF SUBSCRIBERS-NOMINATIONS 1. The importance of nominating a person or persons to receive the credit balance in DSOP Fund on the death/insanity/abscondence etc, of a subscriber as well as prompt notification of changes in the nomination and the resultant inconvenience to the families of deceased etc, officers, caused by absence/incompleteness of nomination, need no stress. 2. The position regarding nomination vide rules 41 and 42 is summarised below:-

a. Every subscriber should make a nomination conferring the right to receive the amount that may stand to his credit in the fund in the event of his death/insanity/ abscondence before quitting the service.

b. Any person or persons may be nominated provided the officer has no

family at that time. The term 'family' means wife or wives and children including those adopted.

c. Nomination of any person or persons, other than one be. longing to the

'family', becomes automatically invalid as soon as the officer acquires a family. The officer should then file a fresh nomination in respect of his family.

d. A subscriber may distribute the amount in his nomination over any

number of persons. However, where the officer has a family, he cannot include any outsider in the distribution' This distribution may be in the form of specific sums of money or by proportion.

e. When a nomination purports to dispose of a subscriber’s accumulation

in the fund otherwise than to a member or members of his family, the accounts officer shall call upon the subscriber to state whether he has a family, and if it is found that he has one, a fresh nomination in favour of a member or members of such family shall be submitted by the subscriber.

e. A nomination in favour of an adopted child is made at the subscriber's

risk and can be challenged at any time. If doubts arise in individual case, the account officer shall refer the matter to the Adjutant General and his opinion share be final for the purpose of this rule.

3. Under the following circumstances, credit balance in the DSOP Fund of a subscriber is payable as under:

a. Death of Subscriber.

62

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(1) Where there is no nomination or a nomination exists in respect

of a person other than one included in the term 'family' and the officer had acquired a family, the amount standing to his credit will be distributed by the CMA equally over all members of the family. The details of family will be obtained by the CMA (0) from CORO MPRS (0) for nursing officers in such cases. Any other persons will be excluded from payment. Disposal of shares of minor will be decided under orders of the Adjutant General GHQ.

(2) If there is no nomination and the officer has left no family, the

DSOP Fund credits will be paid to a person or persons who obtains a succession certificate from a competent court.

b. Insanity etc, of a Subscriber. When a subscriber becomes insane

prior to retirement or absconds or if his whereabouts cannot be ascertained and he is legally declared to have quitted the service, the credit in the fund, may, subject to the approval of government of Pakistan in the ministry of Defence, be disposed of in accordance with the nomination furnished by the subscriber under this rule, subject to the condition that any person, to whom payment is made shall execute a bond signed by two sureties to indemnify the government against all claims in respect of the amount in question.

63 Annex D

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(instruction 3 1)

FORM OF LETRE FOR INTERIM PAYMENT To: CMA (0). (Fund Section), Rawalpindi. Copy to: DPP & A, GHQ. Subject:- Interim Payment of DSOP fund Credit Balance (DSOP fund

Account No....................... ) I am proceeding on LPR wef ......................................... I wish to continue to subscribe during LPR. 1, therefore, request that an interim payment of Rs ………………(In words) ……………. standing to my credit in the DSOP Fund on 30 June 19 ........... may please be made to me as soon as possible. The following documents are attached:-

a. A stamped receipt for Rs............... b. A copy of retirement order.

2. My bankers are as under:........................ ........................ Station ................................. Signature ................................ Rank......................................... Date ..................................... Name.........................................

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64

Annex E (Instruction 32b)

FORM OF LFTTER FOR FINAL PAYMENR

To: CMA (0), (Fund Section), Rawalpindi. Copy to: DPP & A, GHQ, Subject-:- Final Payment of DSOP Fund Credit Balance (DSOP Fund

Account No...) 1. I am proceeding on LPR wef.................. ; * or I have been dismissed/removed/retired without LPR wef ............. 2. *I do not wish to pay my subscription during LPR. 1, therefore, request that final payment of credit balance. in my DSOP Fund account as it stands on.............. may please be made to me as soon as possible. The following documents are attached:-

a. Stamped receipt for the amount............ b. A copy of retirement order.

3. My bankers are as under:- ..........................................

.......................................... Station ................................. Signature ................................ Rank......................................... Date ..................................... Name ..........................................

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65

TABLE OF CONCOP-DANCE INSTRS

DSOF Fund Instr-1973

Authority DSOP Fund Rule 1973

JSI/Al/PAO 1. PAO 890/63 (para 2) 2. PAO 769/58 Rule 4-6 3. PAO 129/71 4. PAO 683/67 (para 1) Rule 11 5. PAO 890/63 Rule 7-17 6. PAO 683/67 (Para 3) Rule 46-48 7. PAO 890/63 Rule 22 7A. PAO 460/68 8-9. PAO 890/63 Rule 23-24 10. PAOs 890/63 and 706/70 11. PAO 890/63 and SPAO 26/63 Rule 24 12. SPAO 3/71 Rule 13. SPAO 3/71 (para 15) Rule 23 (1) 14. SPAO 26/63 (Para 10) Rule 21-23 15. SPAO 26/63 (paras 10)

SPAO 3/71 (para 15 & 16) Rule 21-23

16. SPAOs 10/69 and 3/71 Rule 25 16A. PAO 393/66 17. PAO 890/63 Rule 26 18. SPAO 3171 Rule 21 19. SPAO 10/69 Rule 27-32 20. PAO 890/63 Rule 27

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68

DSOF Fund Instr-1973

Authority DSOP Fund Rule 1973

JSI/Al/PAO 21. SPAOs 10/69 and 3/71 Rule 28-29 22. SPAOs 10/69 and 3/71 Rule 30 23. SPAO 3/71 Rule31 24. - 32-33 25. SPAO 3171 and GHQ ltr no,

4620/70/PPA-2A of 17 July 67. Rule 43

26. -do- Rule 43 27. -do- Rule 43 28. SPAO 3/71 Rule 43 29. -do- Rule 43 30. GHQ ltr no, 4620/70/PPA-2A of 17 July

67. Rule 43

31. - Rule 44 32. - Rule 44 ANNEXES A PAO 706/70 Rule 23-24 B PAO 890/63 Rule 26 C SPAO 3/71 Rule 43 D - Rule 44 E - Rule 44