Master Circular Unclaimed Amounts of Policyholders

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E,i ,iitlMN ndai Ref.: IRDA/F&A/CIR/Misc/173/07 /2017 All Life/ General/ Health Insurers '4 Hd1 l4 irnr fe4 R'-41 ~ cfi 3ITT fe4 cfi lfl ~ INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA Date:25.07.2017 Master Circular: Unclaimed Amounts of Policyholders The Authority has issued various directions regarding the Unclaimed Amounts of Policyholders from time to time. All t~e earlier directions are now being consolidated and issued in the form of a Master Circular which is attached herewith. The Government of India has brought in the Senior Otizens' Welfare Fund Act, 2015 (SCWF) as a part of the Finance Act, 2015, which mandates the transfer of Unclaimed Amounts of Policyholders to the Fund (SCWF) after a period of 10 years. It has also notified a set of Rules under the SCWF, which specify the entities that are required to transfer the amounts to the Fund and the administration of the Fund. The Master Circular also provides for convergence in compliance taking into account the SCWF Act and the Rules notified thereunder. All insurers having unclaimed amounts of policyholders for a period of more than 10 years as on 30th September, 2017 need to transfer the same to the Senior Otizens' Welfare Fund (SCWF) on or before 1st March, 2018. Insurers would need to get the details of the account as well as the manner in which they are required to transfer the unclaimed amounts, from the Department of Financial Services, Ministry of Finance, Govt of India. Thereafter, every financial year the process laid down in the SCWF Rules, 2016 (copy enclosed) shall be followed as regards transfer of the unclaimed amounts of policyholders. ll"ftJ>;PPlcR', cftmr~, ~, ~-~00004. ~ (f): 91-040-2338 1100, ~: 91 -040-6682 3334 ll ( ~ i ,___ h~ (Dr MarfitaSuri) . ; CGM & HOD-F&A Parisharam Bhavan, 3rd Floor, Basheer Bagh, Hyderabad-500 004. India. Ph.: 91-040-2338 1100, Fax: 91-040-6682 3334 [To Be Published in the Gazette of India, Extraordinary, Part II, Section 3, Sub Section (i)] Government of India Ministry of Finance Department of Economic Affairs New Delhi, the 18th March,2016 NOTIFICATION G.S.R (E) In exercise of the powers conferred by section 128 of the Finance Act, 2015, 20 of 2015 the Government hereby makes the following rules, namely:- 1. Short title, extent and commencement.- (1) These rules may be called Senior Citizens’ Welfare Fund Rules, 2016 (2) They shall come into force from the date of their publication in the Official Gazette. 2. Definitions.- (1) In these rules, unless the context otherwise requires,-- (a) “Act” means the Finance Act, 2015. (b) “Government” means the Government of India. (2) Words and expressions used in these rules and not defined but defined in the Act shall have the meanings respectively assigned to them in the Act. 3. Establishment of Fund.- (1) The Central Government hereby establishes a Fund to be called the Senior Citizens Welfare Fund for promoting the welfare of the Senior Citizens and for such other purposes as specified in Chapter VII of the Act. (2) The Senior Citizens Welfare Fund shall be an interest bearing account in the Public Account of the Union of India and shall be administered by the Committee. (3) Every institution shall transfer the unclaimed amounts, including those under the following schemes, to the Fund namely:- (a) Small savings and other savings schemes of the Central Government including the Post Office Savings Accounts, Post Office Recurring Deposit Accounts, Post Office Time Deposit Accounts, Post Office Monthly Income Accounts, Senior Citizens’ Savings Scheme Accounts, Kisan Vikas Patras, National Savings Certificates (all issues), Sukanya Samriddhi Accounts and discontinued Small Savings Schemes; (b) Accounts of Public Provident Funds under the Public Provident Fund Scheme, 1968 maintained by the Institutions concerned; and (c) Accounts of Employees’ Provident Fund under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. (4) Every Institution shall prepare list of unclaimed amounts lying as unclaimed deposits in the accounts and notify to the public in the manner provided under rule 7. (5) All unclaimed amounts, referred to in sub-rule (2), shall be transferred by the institution to the Fund within one year from the date of notification of these rules in the Official Gazette: Provided that the period so specified may be extended by such further period or periods, as the Central Government in the Ministry of Finance may deem fit, on a request for grant of such extension by the institution. (6) The Institution shall identify the unclaimed amounts on annual basis and make transfers to the Fund on or before the 1st day of March, each year. (7) The transfers by the Institutions shall be made on a net basis, namely, the unclaimed deposits minus the claims accepted in accordance with the law for the time being in force, of the accounts whose balances have already been transferred to the Fund. 4. Administration of Fund.- (1) The nodal Ministry for the administration of the Fund shall be the Ministry of Social Justice and Empowerment. (2) The Fund shall have its secretariat located in the Ministry of Social Justice and Empowerment. (3) The Fund shall be administered by a Committee consisting of - (a) The Secretary in the Ministry of Social Justice and Empowerment who shall be the ex-officio Chairperson; (b) An official not below the rank of a Deputy Secretary to the Government of India, to be nominated by the Department of Financial Services – Member; (c) An official not below the rank of a Deputy Secretary to the Government of India, to be nominated by the Ministry of Health and Family Welfare – Member; (d) An official not below the rank of a Deputy Secretary to the Government of India, to be nominated by the Ministry of Rural Development – Member; (e) An official not below the rank of a Deputy Secretary to the Government of India, to be nominated by the Ministry of Housing and Urban Poverty Alleviation – Member; (f) An official not below the rank of a Deputy Secretary to the Government of India, to be nominated by the Ministry of Labour and Employment-Member; (g) Officials not below the rank of a Deputy Secretary to the Government of India, to be nominated by the Ministry sponsoring the proposal and by other Ministries concerned with the specific proposal; (h) Financial Adviser, Ministry of Social Justice and Empowerment (i) An official, not below the rank of Joint Secretary to the Government of India, to be, nominated by the Ministry of Social Justice and Empowerment – Member Secretary; (4) The Committee shall meet at least twice a year. (5) The Committee shall take decision as to the utilisation of the amount in the Fund for the purposes specified in the rule 6. (6) The Committee shall provide Ministry-wise details of budgetary allocation required for the following financial year, to the Central Government in the Ministry of Finance: Provided that the allocations shall be made by the Ministry of Finance, keeping in view the estimated and absorptive capacity for the authorised purpose and to ensure the perpetuity of the Fund. (7) The Committee may regulate its rules of business, in addition to, and without prejudice to anything provided under these rules, for the conduct of its business. 5. Rate of interest.- The eligible rate of interest for the money lying in the Fund shall be determined and notified by the Central Government in the Ministry of Finance under sub-section (5) of the section 124 of the Act, on an annual basis. 6. Utilisation of Fund.- (1) The Fund Shall be utilised for such schemes for the promotion of the welfare of Senior citizens in line with the National Policy on Older Persons and the National Policy on Senior Citizens. (2) The schemes referred to in sub-rule (1) shall include_ (a) schemes for promoting financial security of senior citizens, including but not limited to, old age pensions, long term saving instruments and employment in income generating activities; (b) schemes for promoting healthcare and nutrition of senior citizens, including but not limited to, affordable health care programs, mental health services, health insurance schemes, nutrition education programs and training and orientation in health care of senior citizens; (c) schemes for promoting welfare of elderly widows; (d) schemes related to old age homes, short stay homes and day care of senior citizens; (e) schemes related to education training and information needs of senior citizens; (f) schemes related to research activity on ageing and information systems on senior citizens; (g) any other scheme, with the approval of the Committee. (3) The sponsoring Ministry or the Department of the Government or the State Government concerned shall be responsible for the processing of the scheme, its monitoring and implementation: Provided that the proportion of the costs incurred towards the benefit of Senior Citizens only shall be funded from the proceeds of the Fund. (4) The Committee may issue detailed guidelines for the implementation of any scheme for the welfare of the Senior Citizens under these rules. 7. Publication of Information.- (1) Each institution shall, before crediting the unclaimed amount to the Fund, publish the information relating to accounts in which unclaimed deposits are lying, in the manner provided under this rule. (2) The Institution shall identify the unclaimed amounts and prepare a list of the accounts containing details of the unclaimed amount by the 30th day of September of each financial year. (3) The Institution shall try to contact each of the account holder of the unclaimed amount, by all reasonable means of communication, including written notice, e- mail and telephone, on at least two occasions, within a span of a period of sixty days. (4) The Institution shall display the list prepared under sub-rule (2) for the general information of the public, on the notice boards of the relevant offices and on the website of the Institution concerned for at least a period of sixty days, inviting claims, if any. 8. Annual Report.- (1) The nodal Ministry, referred to in rule 4, shall prepare an annual report by the 1st day of May, each year, for the activities undertaken in the previous financial year. (2) The nodal Ministry shall make arrangements for the approval of the annual report by the Committee within one month of its preparation. (3) The Annual report shall include the activities undertaken by the Committee, the schemes approved for funding, the major decisions of the committee, the schemes pending for approval and the details of the amounts credited and debited from the Fund. (4) The Committee may issue detailed guidelines for the preparation of the annual report. (5) The nodal Ministry shall make available the annual report on the website of the Ministry, after it is laid before the Parliament under sub-section (3) of section 127 of the Act. F.No. 13/20/2014-NS.II (Prashant Goyal) Joint Secretary (भारत के राजऩत्र, असाधारण, भाग-II, खंड-3, उऩ-खण्ड (i) में प्रकाशनाथथ) भारत सरकार वित्त मंत्राऱय (आर्थथक कायथ विभाग) नई ददल्ऱी, 18.3.2016 अर्धसूचना सा.का.नन---------- (अ.) - सयकाय, वित्त विधेमक 2015, 2015 का 20 की धाया 128 द्िाया प्रदत्त शक्तिमों का प्रमोग कयिे हुए, ननम्नलरखिि ननमभ फनािी है, अर्ााि्- 1. संक्षऺप्ि नाभ, विस् िाय औय प्रायम्ब- 1. (1) इन ननमभों का संक्षऺप् ि नाभ िरयष्ठ नागरयक कल्माण ननधध ननमभ, 2016 है। (2) मे याजऩत्र भें इनके प्रकाशन की िायीि को प्रिृत्त होंगे। 2. ऩररभाषाएं- (1) इन ननमभों भें, जफ िक कक संदबा से अन् मर्ा अऩेक्षऺि न हो,- (क) 'अधधननमभ' से वित्त विधेमक 2015 अलबप्रेि है, (ि) 'सयकाय' से बायि सयकाय अलबप्रेि है, (2) उन शब् दों औय ऩदों के, जो इसभें प्रमुत ि ह ऩरयबावति नहीं है, िही अर्ा होंगे उस अधधननमभ भें ह । 3. ननर्ध स्थावऩत करना- (1) केन्रीम सयकाय िरयष्ठ नागरयकों के कल्माण को फढािा देने औय अधधननमभ के अध्माम 7 भें मर्ा विननर्दाष्ट अन्म प्रमोजनों के लरए ननधध स्र्ावऩि कयिी है क्जसे िरयष्ठ नागरयक कल्माण ननधध कहा जाएगा। (2) िरयष्ठ नागरयक कल्माण ननधध बायि संघ के रोक रेिा भें सब्माज िािा होगा औय मह सलभनि द्िाया प्रशालसि होगा। (3) प्रत्मेक संस्र्ा ननम्नलरखिि स्कीभों के िहि दािा न की गई यालशमों को ननधध भें अंिरयि कयेगी, अर्ााि- (क) डाकघय फचि िािे, डाकघय आििी जभा िािे, डाकघय सािधध जभा िािे, डाकघय भालसक आम िािे, िरयष्ट नागरयक फचि स् कीभ िािे, ककसान विकास ऩत्र, याष्रीम फचि ऩत्र (सबी ननगाभ), सुकन्मा सभृद्धध िािे औय फंद कय दी गई अल्ऩ फचि स् कीभ ओं सर्हि केन्रीम सयकाय की अल्ऩ फचि औय अन्म फचि स् कीभें । (ि) संफंधधि संस्र्ाओं द्िाया अनुयक्षऺि रोक बविष्म ननधध स् कीभ, 1968 के िहि रोक बविष्म ननधध के िािे; औय (ग) कभाचायी बविष्म ननधध औय प्रकीणा उऩफंध अधधननमभ, 1952 के अधीन कभाचायी बविष्म ननधध के िािे। (4) प्रत्मेक संस्र्ा िािे भें दािा न की गई जभा यालशमों के िौय ऩय दािा न की गई यालशमों की सूची िैमाय कयेगी औय ननमभ 7 के िहि प्रदत्त ियीके से जनिा के लरए अधधसूधचि कयेगा। (5) उऩननमभ (2) भें ननर्दाष् ट दािा न की गई सबी यालशमों को संस्र्ा द्िाया इन ननमभों के याजऩत्र भें अलबसूधचि ककए जाने की िायीि से 1 िता के बीिय ननधध भें अंिरयि ककमा जाएगा: ऩयंिु इस ियह विननर्दाष्ट अिधध को संस्र्ा द्िाया सभम भें फढोत्तयी कयने के लरए अनुयोध ककए जाने ऩय ऐसी अिधध अर्िा अिधधमों िक फढामा जा सकिा, जैसा वित्त भंत्रारम भें केन्रीम सयकाय उधचि सभझिी है। (6) संस्र्ा दािा न की गई यालशमों की िावताक आधाय ऩय ऩहचान कयेगी औय इन्हें प्रत्मेक िता 1 भाचा अर्िा उससे ऩहरे ननधध भें अंिरयि कयेगी। (7) संस्र्ा द्िाया अंियण ननिर आधाय ऩय, अर्ााि दािा की गई यालशमों को घटा उन िािों के संफंध भें उस सभम रागू कानून के अनुसाय स्िीकृि दािों से घटकाकय ककए, जाएंगे क्जनकी शेत धनयालश ऩहरे ही ननधध भें अंिरयि की जा चुकी है। 4. ननर्ध का प्रशासन (1) ननधध के प्रशासन के लरए नोडर भंत्रारम, साभाक्जक न्माम औय अधधकारयिा भंत्रारम होगा। (2) ननधध का सधचिारम साभाक्जक न्माम औय अधधकारयिा भंत्रारम भें अिक्स्र्ि होगा। (3) ननधध का प्रशासन एक सलभनि द्िाया ककमा जाएगा क्जसभें ननक्म्नलरखिि सम् भलरि होंगे।- (क) साभाक्जक न्माम औय अधधकारयिा भंत्रारम भें सधचि जो ऩदेन अध्मऺ होंगे; (ि) वित्तीम सेिा विबाग द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि ऩंक्त ि का अधधकायी-सदस्म; (ग) स्िास््म औय ऩरयिाय कल्माण भंत्रारम द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि ऩंक्त ि का अधधकायी-सदस्म; (घ) ग्राभीण विकास भंत्रारम द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि ऩंक्त ि का अधधकायी- सदस्म; (ङ) आिास औय शहयी गयीफी उऩशभन भंत्रारम द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि ऩंक्त ि का अधधकायी-सदस्म; (च) श्रभ औय योजगाय भंत्रारम द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि ऩंक्त ि का अधधकायी- सदस्म; (छ) प्रस्िाि को प्रामोक्जि कयने िारे भंत्रारम द्िाया औय विननर्दाष् ट प्रस्िाि से संफंधधि अन्म भंत्रारमों द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि य क का अधधकायी-सदस्म; (ज) वित्तीम सराहकाय, साभाक्जक न्माम औय अधधकारयिा भंत्रारम। (झ) साभाक्जक न्माम औय अधधकारयिा भंत्रारम द्िाया नालभि बायि सयकाय के कभ से कभ उऩसधचि ऩंक्त ि का अधधकायी-सदस्म सधचि; (4) सलभनि की एक िता भें कभ से कभ दो फैठकें आमोक्जि की जाएंगी। (5) सलभनि ननमभ 6 भें विननर्दाष्ट प्रमोजनों के लरए ननधध भें यालश की उऩमोधगिा के संफंध भें ननणाम रेगी। (6) सलभनि वित्त भंत्रारम भें केन्रीम सयकाय को आगाभी वित्तीम ितों के लरए अऩेक्षऺि फजटीम आिंटन का भंत्रारम- िाय ब्मौया प्रदान कयेगी: ऩयंिु वित्त भंत्रारम द्िाया आिंटन प्राधधकृि प्रमोजनों के लरए औय ननधध की ननयंियिा सुननश् चि कयने के लरए प्रात कलरि औय अिशोती ऺ भिा को ध्मान भें यििे हुए ककए जाएंगे। (7) सलभनि अऩने कामों के संचारन के लरए इन ननमभों के िहि प्रदत्त ककसी बी फाि के अरािा अर्िा बेद-बाि ककए बफना अऩनी कामा ननमभ विननमलभि कयेगी। 5. ब्याज की दर वित्त भंत्रारम भें बायि सयकाय द्िाया अधधननमभ की धाया 124 की उऩधाया (5) के िहि ननधध भें जभा धनयालश के लरए उऩमुत ि ब्माज दय िावताक आधाय ऩय अिधारयि औय अधधसूधचि की जाएंगी। 6. ननर्ध का उऩयोग (1) ननधध का उऩमोग, याष्रीम िृद्ध व्मक्ति नीनि औय याष्रीम िरयष्ठ नागरयक नीनि के अनुसाय िरयष्ठ नागरयकों के कल्माण को फढािा देने के लरए ऐसी स् कीभ ओं के लरए ककमा जाएगा। (2) उऩननमभ (1) भें उक्ल् रखिि स् कीभ ओं भें मे शालभर होंगे- (क) िृद्धािस्र्ा ऩेंशन, दीघााधधक फचि लरििों औय आम सृजन कयने िारी गनििधधमों भें योजगाय सर्हि ककंिु केिर इन्हीं िक सीलभि नहीं, िरयष्ठ नागरयक वित्तीम सुयऺा को फढािा देने के लरए स् कीभें; (ि) िहनीम स्िास््म देि-येि कामाक्रभों, भानलसक स्िास््म सेिाओं, ऩोतण लशऺा कामाक्रभों औय िरयष्ठ नागरयको की स्िास््म देि-येि भें प्रलशऺ ण एिं उन्भुिीकयण, सर्हि ककंिु केिर इन्हीं िक सीलभि नहीं, िरयष्ठ नागरयकों के स्िास््म देिबार औय ऩोतण को फढािा देने के लरए स् कीभें; (ग) िृद्ध विधिाओं के कल्माण को फढािा देने के लरए स् कीभें; (घ) िृद्धाश्रभों, अल्ऩािास गृहों औय िरयष्ठ नागरयक र्दिस देिबार केन्र से संफंधधि स् कीभें; (ड.) िरयष्ठ नागरयकों की लशऺा प्रलशऺ ण औय सूचना की जरूयिों से संफंधधि स् कीभें; (च) िरयष्ठ नागरयकों के संफंध भें िृद्धािस्र्ा औय सूचना प्रणालरमों से संफंधधि शोध संफंधी स् कीभें; (छ) सलभनि के अनुभोदन से कोई अन्म स् कीभ। (3) प्रामोजक भंत्रारम अर्िा सयकायी विबाग अर्िा संफंधधि याज्म सयकाय स् कीभ के प्रकक्रमात् भक, इसकी ननगयानी एिं कामाान्िमन के लरए उत्तयदामी होगा: ऩयंिु िरयष्ठ नागरयकों के राबार्ा आगाभी की गई रागिों के र्हस्से को ही ननधध के राब से वित्तऩोवति ककमा जाएगा। (4) सलभनि, इन ननमभों के िहि िरयष्ठ नागरयकों के कल्माण के लरए ककसी स् कीभ के कामाान्िमन के लरए विस्िृि र्दशाननदेश जायी कय सकेगी। 7. सूचना का प्रकाशन (1) प्रत्मेक संस्र्ा, इस ननमभ के अधीन उऩफंधधि यीनि-विधध दािा न की यालश को ननधध भें ननऺेऩ कयने से ऩहरे उन िािों से संफंधधि सूचना प्रकालशि कयेगी क्जनभें दािा न की गई जभायालशमां ऩडी ह । (2) संस्र्ा, दािा न की गई यालशमों की ऩहचान कयेगी औय प्रत्मेक वित्त िता 30 लसिम्फय िक दािा न की गई यालश के विियण िारे िािों की सूची िैमाय कयेगी। (3) संस्र्ा साठ र्दन की सभमािधध के बीिय कभ से कभ दो फाय लरखिि नोर्टस, ई-भेर औय टेरीपोन सर्हि संचाय के सबी उऩमुत ि भाध्मभों द्िाया दािा न की गई यालश के प्रत्मेक िािा धायक से संऩका फनाने की कोलशश कयेगी। (4) संस्र्ा, जनिा की साधायण सूचना के लरए उऩननमभ (2) के अधीन िैमाय सूची सुसंगि कामाारमों के नोर्टस फोडा ऩय औय संफंधधि संस्र्ा की िेफसाइट ऩय कभ से कभ साठ र्दन िक, दािे मर्द कोई हो, आभंबत्रि कयने के लरए सूची प्रदलशाि कयेगी। 8. िावषथक ररऩोर्थ (1) नोडर भंत्रारम, ननमभ 4 भें ननर्दाष् ट, विगि वित्तीम िता भें ककए गए कामाकराऩों के लरए प्रत्मेक िता भई की ऩहरी िायीि िक िावताक रयऩोटा िैमाय कयेगा। (2) नोडर भंत्रारम, िावताक रयऩोटा िैमाय कयने के फाद एक भास के बीिय सलभनि द्िाया िावताक रयऩोटा के अनुभोदन की व्मिस्र्ा कयेगा। (3) इस िावताक रयऩोटा भें सलभनि द्िाया ककए गए कक्रमाकराऩों, ननधधमन हेिु अनुभोर्दि स् कीभ औय सलभनि के प्रभुि ननणाम, अनुभोदन के लरए रक्म्फि स् कीभों औय ननधध भें प्रत् मम की गई औय इससे विकरन धनयालशमों का विियण शालभर होगा। (4) सलभनि, िावताक रयऩोटा िैमाय कयने के लरए विस्िृि र्दशाननदेश जायी कय सकेगी। (5) नोडर भंत्रारम, अधधननमभ की धाया 127 की उऩधाया (3) के अधीन िावताक रयऩोटा संसद के सभऺ प्रस्िुि ककए जाने के फाद इसे भंत्रारम कक िेिसाईट ऩय उऩरब्ध कयाएगा। पा.सं.13/20/2014-एनएस.II (प्रशांि गोमर) संमुति सधचि, बायि सयकाय APR-11-2017 19:39 From: To:023367702 Page:1 [To be published in the Gazette of India, Extraordinary, Part II, Section 3, Sub Section (i) Government of India Ministry of Finance -< Depart'!lent of Economic Affa~~, \. -:,,,- Newr,i;Delhi, the 11th April, 2017 NOTIFICATION G.S.R. (E)- In exercise of the power conferred by section 128 of the Finance Act, 2015 (20 of 2015), the Government hereby makes the following rules to amend the Senior Citizens' Welfare Fund Rules, 2016, namely:- 1. (1) These rules may be called the Senior Citizens' Welfare Fund (Amendment) Rules, 2017. 2. (2) They shall come into force on the date of their publication in the Official Gazette. In the Senior Citizens' Welfare Fund Rules' 2016, in rule 3, in sub-rule (3), after clause (c}, the following clauses shall be inserted, namely:- "{ d) Accounts maintained by banking companies, co-operative banks, multi- state cooperative banks, State Banks of India and its associate banks, subsidiary banks, corresponding banks, and regional rural banks; (e) Dividend-Accounts, deposits and debentures of companies defined under the Companies Act, 201'3 (18 of 2013); _ ~ (f) Life and_ non-life insurance schemes or policies maintained by insurance ~\..,.- !/\\ companies; _ _ \'1 (g) Accounts of Coal Mines Provident Fund established under the coal Mines Provident--Fund and Miscellaneous Provisions Act, 1948 (46 of 1948)." [F.No. 13/20/2014-NS.II] (P nt Goyal) Joint Secretary to the Gov ---me of India Note: The principal rules were published in the Gazette of India, extraordinary, part- 11, section 3. subwsection (i) vide notification number G.S.R. 322 {E), dated 18th March, 2016 and subsequently amended vide number G.S.R. 981 (E), dated 17th October, 2016.