Where RPLI eligibility is claimed on the basis of an operative Savings Bank Account, the proposer must sign the prescribed declaration. ### Declaration “I __ hereby declare that my Savings Bank Account submitted against RPLI Proposal dated __ is operative as per the definition prescribed by the Department of Posts.” The declaration shall be: * Recorded on the proposal form; OR * Obtained as a signed annexure. It must be retained with the proposal file as documentary support for the eligibility claim. --- # 23. QUICK REFERENCE FOR FIELD AGENTS ## 23.1 Acceptable Proofs CBS status / Email statement / Mobile banking screenshot / ATM mini-statement / Passbook updated within 3 months ## 23.2 Physical Bank Certificate Not required where acceptable Physical/Digital proof is already available. ## 23.3 Signed Declaration Mandatory where eligibility is claimed through an operative SB account. ## 23.4 Never Accept Never accept the proposal based on the account number alone without acceptable Physical/Digital proof. ## 23.5 If Proof Appears Doubtful Obtain fresh proof from the customer. Do not proceed with doubtful or altered proof. ## 23.6 BO Next Step Verify proof → Generate proposal through DREAM PLI App → Collect documents → Forward to SO. --- # 24. IMPORTANT REASONS FOR REJECTION / REFERRAL Eligibility may fail where: 1. No qualifying Physical/Digital proof is available. 2. Account is frozen. 3. Account is blocked. 4. Account is dormant. 5. Account is inoperative. 6. Account is closed. 7. Scheduled Bank account has no customer-initiated transaction during the preceding 24 months. 8. Passbook proof is older than three months. 9. Proof appears altered or suspicious. 10. Required declaration is not obtained. --- # 25. FREQUENTLY ASKED QUESTIONS ## Q1. Can an account with no transaction during the last 24 months qualify? No, in the case of a Scheduled Bank account. At least one customer-initiated transaction during the preceding 24 months is required. The customer may instead qualify through rural residence or transact on the account and submit fresh acceptable proof. ## Q2. What if the customer does not have any listed Physical/Digital proof? The proposal should not be accepted under operative SB account eligibility until acceptable proof is produced. The customer may obtain: * CBS status; * Email statement; * Mobile banking screenshot; * ATM mini-statement; or * Updated passbook. Alternatively, eligibility through rural residence may be considered. ## Q3. Can a frozen, blocked or dormant account qualify? No. Such an account does not qualify as an operative Savings Bank Account. ## Q4. Can a joint Savings Bank Account be used? Yes, provided: * The proposer is one of the named joint account holders; and * The account is otherwise operative. Proof should clearly show the proposer's name. ## Q5. Can a minor purchase RPLI under this criterion? No. The proposer must have attained majority as required under Rule 9(a) of the POLI Rules, 2011. ## Q6. Is a passbook older than three months acceptable? No. An updated passbook must be within the last three months. Alternatively, current acceptable digital proof may be submitted. ## Q7. Is a physical bank certificate additionally required? No. A physical bank certificate should not be insisted upon where acceptable Physical/Digital proof is already available. ## Q8. What happens if the SO finds that an account verified by BO is actually non-operative? The SO's re-verification takes precedence at that stage. The proposal should not be indexed under operative SB account eligibility and should be returned to the BO with reasons recorded. ## Q9. What if the CPC finds that the proof is altered or suspicious? The CPC shall: * Reject the proposal on the eligibility ground; * Record the deficiency; * Report it as a fraud indicator to the Circle Office; and * Retain the proposal file and proof for audit.
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