Refusal by ddo to sign bank loan document of sbi
david
(Querist) 27 May 2013
This query is : Resolved
Sir,
I am a regular employee of department of Post. Recently, some of our staff applied for SBI personal loan. But our Postmaster being the DDO refuse to sign the loan from and directed to take prior permission from the D & A authority. And the matter is stuck between. Kindly, enlighten whether any prior permission is required from the Appointing authority to take a personal loan from Bank from which our monthly salary is being drawn and the means to avail the loan.
Anirudh
(Expert) 27 May 2013
Before asking whether prior permission from the Appointing Authority is to be obtained, you have to first state under what provisions the Post Master is obliged to sign the Loan Form?
ajay sethi
(Expert) 27 May 2013
for personal loan you dont need prior permission of your employer . answer queries rasied by anirudh
Guest
(Expert) 27 May 2013
Your Postmaster is right in his objection, as borriwing from bank without prior permission of the competent authority is prohibited for Government employees under the provisions of Rule 16 of the CCS (Conduct) Rules.
R.K Nanda
(Expert) 27 May 2013
agree with experts.
david
(Querist) 29 May 2013
Thank you all so much for the reply and clarification in this regard. The staff have submitted for seeking approval from the competent Authority but the no approval has been granted and the matter is being kept unattended. Kindly direct us further steps that can be taken from the staff side in this matter.
Guest
(Expert) 29 May 2013
Not possible without formal permission of the competent authority under the CCS (Conduct) Rules. If the postmaster signs loan form without due permission of the competent authority to each individual official, his action can also be termed as misconduct on his part, as by signing the loan form, his action would lead to the unauthorised permission by misusung the authority of the competent authority.
Raj Kumar Makkad
(Expert) 30 May 2013
I do endorse the advice of Ld. Dhingra ji.
Sudhir Kumar, Advocate
(Expert) 25 August 2014
If you did not have any official dealing with the lender then no prior permission is needed and only intimation is required to be given within one month of completion of tnasacntion and if such intimation not replied within three months is deemed accepted.
Sudhir Kumar, Advocate
(Expert) 25 August 2014
Notwithstanding the need for permission/intimation.
In sequence to query by Mr Anirudh, I add that it is not clear why you needed signature of DDO?
Did you want recovery from pay bill?
please be clear.
