Lok Sabha Question No. 2844 (UNSTARRED), answered on 2016-05-11
Subject: Postal Network
Ministry: COMMUNICATIONS AND INFORMATION TECHNOLOGY
Asked by: DUSHYANT SINGH, P.P. CHAUDHARY, PINAKI MISRA, NARANBHAI KACHHADIA

## GOVERNMENT OF INDIA MINISTRY OF COMMUNICATIONS AND INFORMATION TECHNOLOGY DEPARTMENT OF POSTS

## LOK SABHA UNSTARRED QUESTION NO.2844 TO BE ANSWERED ON 11 TH  MAY, 2016

## POSTAL NETWORK

2844.   SHRI DUSHYANT SINGH: SHRI P.P. CHAUDHARY: SHRI PINAKI MISRA: SHRI NARANBHAI KACHHADIYA:

Will  the  Minister  of  COMMUNICATIONS  AND  INFORMATION  TECHNOLOGY  be pleased to state:

- (a) whether there has been a considerable decrease in use of many postal services;
- (b) if so, the details thereof and the reasons therefor;
- (c) the details of the assets under management by the Department of Posts through its banking and insurance products;
- (d) the percentage increase or decrease in such assets over the past five years and the reasons therefor; and
- (e) whether the Government is leveraging the vast network of post offices in implementing its mandate of financial inclusion and if so, the details thereof and the number of post offices which have been equipped for the same during the last three years and the current year?

## ANSWER

## THE MINISTER OF COMMUNICATIONS AND INFORMATION TECHNOLOGY (SHRI RAVI SHANKAR PRASAD)

- (a)      No, Madam.
- (b) Question does not arise in view of (a) above.
- (c) The Department of Posts is performing the banking services as an agency work for the Ministry of Finance; no assets are maintained by the Department of Posts. Assets Under Management  (excluding  frozen  corpus)  in  respect  of  insurance  products  i.e.  Postal  Life Insurance  (PLI)  and  Rural  Postal  Life  Insurance  (RPLI)  are  Rs.  31,217.17  crore  and  Rs. 13,566.27 crore respectively, as on 31.03.2016.
- (d) There  has  been  increase  in  Assets  Under  Management  (AUM)  of  PLI  and  RPLI during the last five years due to addition of new policies, increase in premium income and income from investments of funds of PLI and RPLI. The details of increase in AUM of PLI and RPLI during the last five years are as under:
- (e) Yes, Madam. In regard to financial inclusion, Postal Department is facilitating opening up of large number of Saving Accounts and sale of Certificates by leveraging its network, as shown in Annexure-I. Likewise, the position for Postal Life Insurance (PLI) and Rural Postal Life  Insurance  (RPLI)  is  shown  in Annexure-II. 25,514  Departmental  Post  Offices  and 1,29,389 extra Departmental Branch Post Offices are equipped for the purpose during the last three years and current year.

| Year                 |   Percentage of increase in AUM* of PLI from previous year |   Percentage of increase in AUM* of RPLI from previous year |
|----------------------|------------------------------------------------------------|-------------------------------------------------------------|
| 2011-12 (31.03.2012) |                                                     169.62 |                                                      102.19 |
| 2012-13 (31.03.2013) |                                                      55.94 |                                                       56.74 |
| 2013-14 (31.03.2014) |                                                      67.33 |                                                       46.36 |
| 2014-15 (31.03.2015) |                                                      45.53 |                                                       28.01 |
| 2015-16 (31.03.2016) |                                                      26.18 |                                                       19.66 |

*(excluding frozen corpus)

ANNEXURE - I

|             | NO OF ACCOUNTS SCHEMEWISE &CIRCLEWISE FOR HE YEAR   | NO OF ACCOUNTS SCHEMEWISE &CIRCLEWISE FOR HE YEAR   | NO OF ACCOUNTS SCHEMEWISE &CIRCLEWISE FOR HE YEAR   | NO OF ACCOUNTS SCHEMEWISE &CIRCLEWISE FOR HE YEAR   |                        | `                      |                        |         | 31.03.2013   | 31.03.2013   |         |          |           |
|-------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|------------------------|------------------------|------------------------|---------|--------------|--------------|---------|----------|-----------|
|             |                                                     |                                                     | NO OF ACCOUNTS                                      | NO OF ACCOUNTS                                      | SCHEMEWISE& CIRCLEWISE | SCHEMEWISE& CIRCLEWISE | SCHEMEWISE& CIRCLEWISE |         |              |              |         | 2012-13  |           |
| CIRCLES     | SB                                                  | MIS                                                 | RD                                                  | TD                                                  | FD                     | NSS- 87                | NSS- 92                | PPF     | CTD          | SCSS         | MSY     | NAREGA   | TOTAL     |
| A.P.        | 7460424                                             | 1322212                                             | 6479401                                             | 302128                                              | 0                      | 11917                  | 3051                   | 91533   | 25832        | 59814        | 32953   | 15691296 | 31480561  |
| ASSAM       | 3380525                                             | 379159                                              | 1555546                                             | 148831                                              | 0                      | 2252                   | 335                    | 40156   | 1084         | 4272         | 0       | 1287209  | 6799369   |
| BIHAR       | 10591949                                            | 1109267                                             | 3150018                                             | 1317543                                             | 0                      | 2299                   | 202                    | 46491   | 644          | 25186        | 30      | 6592144  | 22835817  |
| BASE        | 273091                                              | 28198                                               | 398010                                              | 2207                                                | 0                      | 393                    | 27                     | 10845   | 91           | 419          | 0       | 0        | 713281    |
| DELHI       | 1149093                                             | 633363                                              | 615457                                              | 113043                                              | 2                      | 28645                  | 1194                   | 221393  | 10069        | 92906        | 2094    | 0        | 2867259   |
| GUJARAT     | 5059952                                             | 2354208                                             | 4553010                                             | 1004294                                             | 0                      | 35155                  | 308                    | 233046  | 14592        | 119202       | 83824   | 2120263  | 15578214  |
| HARYANA     | 2425727                                             | 500889                                              | 1953140                                             | 813847                                              | 0                      | 11590                  | 370                    | 95719   | 83879        | 27835        | 129679  | 64142    | 6106817   |
| H.P.        | 1678741                                             | 195301                                              | 1918461                                             | 331663                                              | 22                     | 1741                   | 84                     | 20048   | 4615         | 5386         | 4297    | 92963    | 4253295   |
| J&K         | 972083                                              | 105950                                              | 295409                                              | 218219                                              | 0                      | 1588                   | 61                     | 7252    | 5676         | 3431         | 21262   | 4000     | 1634931   |
| KARNATAKA   | 9023919                                             | 694018                                              | 5713266                                             | 220676                                              | 7384                   | 17164                  | 1816                   | 94488   | 10297        | 63232        | 0       | 496860   | 16343120  |
| KERAL       | 5154671                                             | 502031                                              | 5905948                                             | 187643                                              | 298                    | 6045                   | 2128                   | 17694   | 5736         | 24633        | 0       | 247069   | 12053896  |
| MAHA        | 7000723                                             | 2448412                                             | 18262556                                            | 916180                                              | 0                      | 18729                  | 2374                   | 460944  | 19880        | 154146       | 57517   | 3082418  | 32486879  |
| M.P.        | 9160524                                             | 699709                                              | 8954461                                             | 428716                                              | 59                     | 8066                   | 398                    | 53493   | 10533        | 28338        | 1108431 | 1671669  | 22124397  |
| N.E.        | 1021054                                             | 64898                                               | 692349                                              | 37672                                               | 4                      | 971                    | 125                    | 5809    | 1447         | 2238         | 19530   | 647852   | 2793949   |
| ODISHA      | 5999435                                             | 479729                                              | 2176356                                             | 256571                                              | 3                      | 5273                   | 347                    | 17411   | 44409        | 13201        | 143823  | 1851299  | 10987857  |
| PUNJAB      | 2375321                                             | 862865                                              | 1509781                                             | 658797                                              | 127                    | 16117                  | 774                    | 177761  | 13658        | 52956        | 140635  | 227329   | 6036121   |
| RAJAS       | 8362378                                             | 943091                                              | 4721898                                             | 401388                                              | 0                      | 8299                   | 896                    | 212150  | 5617         | 37860        | 205357  | 3527511  | 18426445  |
| TAMIL NADU  | 12359645                                            | 971742                                              | 7933338                                             | 613185                                              | 0                      | 18785                  | 5924                   | 138748  | 8430         | 90176        | 88137   | 0        | 22228110  |
| U.P         | 14201418                                            | 2022479                                             | 10043530                                            | 1211530                                             | 0                      | 20381                  | 514                    | 172276  | 23916        | 59257        | 377151  | 357814   | 28499266  |
| W.E.        | 9277850                                             | 5833745                                             | 4166353                                             | 1444360                                             | 0                      | 1325                   | 38780                  | 156796  | 0            | 185700       | 0       | 6272785  | 27377694  |
| C.GARH      | 2236508                                             | 146033                                              | 667596                                              | 56611                                               | 0                      | 1887                   | 102                    | 34042   | 1322         | 6806         | 524045  | 3682837  | 7357789   |
| J.KHAND     | 3208746                                             | 413582                                              | 881294                                              | 257721                                              | 0                      | 3941                   | 0                      | 38259   | 1877         | 17153        | 0       | 3605990  | 8428563   |
| UTTARAKHAND | 2940623                                             | 175647                                              | 1350967                                             | 256226                                              | 0                      | 3084                   | 206                    | 28307   | 11403        | 11684        | 6903    | 172143   | 4957193   |
| TOTAL       | 125323400                                           | 22886528                                            | 93898145                                            | 11199051                                            | 7899                   | 288620                 | 60016                  | 2374661 | 305411       | 1085831      | 2945668 | 51695593 | 312070823 |

|             | NO OF ACCOUNTS SAVING SCHEMES AS ON 31.03.2014.   | NO OF ACCOUNTS SAVING SCHEMES AS ON 31.03.2014.   | NO OF ACCOUNTS SAVING SCHEMES AS ON 31.03.2014.   | NO OF ACCOUNTS SAVING SCHEMES AS ON 31.03.2014.   | NO OF ACCOUNTS SAVING SCHEMES AS ON 31.03.2014.   | `      | `       |         |        |         |         |          |           |
|-------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|---------------------------------------------------|--------|---------|---------|--------|---------|---------|----------|-----------|
| CIRCLES     | SB                                                | MIS                                               | RD                                                | TD                                                | FD                                                | NSS-87 | NSS-    | PPF     | CTD    | SCSS    | MSY     | NAREGA   | TOTAL     |
| A.P.        | 7417893                                           | 1223751                                           | 11409044                                          | 409032                                            | 0                                                 | 11503  | 92 3086 | 93277   | 25671  | 47959   | 5513    | 23960628 | 44607357  |
| ASSAM       | 3633960                                           | 378180                                            | 1610556                                           | 165404                                            | 0                                                 | 2252   | 335     | 40944   | 1084   | 4284    | 0       | 1346345  | 7183344   |
| BIHAR       | 11283545                                          | 1114883                                           | 3164098                                           | 1351151                                           | 0                                                 | 2299   | 202     | 48189   | 688    | 26382   | 30      | 6651595  | 23643062  |
| BASE        | 304135                                            | 30438                                             | 407319                                            | 2762                                              | 0                                                 | 374    | 28      | 14714   | 91     | 475     | 0       | 0        | 760336    |
| DELHI       | 1243770                                           | 601163                                            | 625635                                            | 134308                                            | 2                                                 | 27081  | 1101    | 220667  | 10069  | 85521   | 2094    | 0        | 2951411   |
| GUJARAT     | 56123296                                          | 2241381                                           | 5025155                                           | 1494807                                           | 0                                                 | 33117  | 273     | 229499  | 14952  | 113865  | 51395   | 2240318  | 17057158  |
| HARYANA     | 2507771                                           | 428670                                            | 2006232                                           | 1269315                                           | 0                                                 | 11280  | 363     | 96371   | 83879  | 25916   | 129679  | 66921    | 6676397   |
| H.P.        | 1791981                                           | 201662                                            | 2086017                                           | 424506                                            | 22                                                | 1627   | 79      | 21979   | 4615   | 5289    | 32      | 97381    | 4635190   |
| J&K         | 997699                                            | 100472                                            | 294968                                            | 242546                                            | 0                                                 | 1547   | 61      | 7371    | 5676   | 2786    | 21262   | 4031     | 1678419   |
| KARNATAKA   | 9292719                                           | 668980                                            | 6215409                                           | 288228                                            | 4                                                 | 16315  | 1729    | 100105  | 8377   | 58834   | 0       | 638384   | 17289084  |
| KERAL       | 5806007                                           | 481252                                            | 5551154                                           | 213817                                            | 298                                               | 4742   | 2094    | 18215   | 5735   | 22833   | 3       | 265573   | 12372723  |
| MAHA        | 6671850                                           | 1291683                                           | 21632124                                          | 1534911                                           | 0                                                 | 77457  | 2337    | 466169  | 20705  | 138417  | 53230   | 2303338  | 35992221  |
| M.P.        | 10166231                                          | 667176                                            | 10166213                                          | 634704                                            | 59                                                | 7612   | 346     | 54394   | 10533  | 26275   | 1108431 | 1880985  | 24722959  |
| N.E.        | 1209547                                           | 61053                                             | 659460                                            | 25120                                             | 4                                                 | 913    | 121     | 5733    | 1447   | 2181    | 19530   | 659141   | 2664250   |
| ODISHA      | 6512269                                           | 477080                                            | 3115139                                           | 332157                                            | 0                                                 | 5020   | 341     | 18569   | 14370  | 13738   | 23455   | 1755076  | 12267214  |
| PUNJAB      | 2326945                                           | 827854                                            | 1503603                                           | 757162                                            | 127                                               | 15289  | 725     | 178817  | 13656  | 50325   | 31768   | 240871   | 5947142   |
| RAJAS       | 9338007                                           | 880258                                            | 4829050                                           | 438818                                            | 0                                                 | 8176   | 841     | 215383  | 4645   | 33723   | 160560  | 3565219  | 19474680  |
| TAMIL NADU  | 12240143                                          | 878804                                            | 9865707                                           | 568882                                            | 0                                                 | 17934  | 5687    | 139708  | 7270   | 81699   | 17668   | 0        | 23823502  |
| U.P         | 14619475                                          | 1976100                                           | 12706506                                          | 1582101                                           | 0                                                 | 19658  | 532     | 178346  | 23916  | 113546  | 369098  | 371979   | 31961257  |
| W.E.        | 11026054                                          | 5809797                                           | 4322709                                           | 1723854                                           | 0                                                 | 1325   | 36373   | 160635  | 0      | 179596  | 0       | 6574745  | 29835089  |
| C.GARH      | 2702159                                           | 135326                                            | 741621                                            | 62343                                             | 0                                                 | 1729   | 94      | 33373   | 1303   | 6358    | 0       | 3515702  | 9000008   |
| J.KHAND     | 3730578                                           | 415183                                            | 1184893                                           | 297833                                            | 0                                                 | 3788   | 0       | 39027   | 1877   | 16535   | 0       | 3667545  | 9357259   |
| UTTARAKHAND | 3066536                                           | 176032                                            | 1476941                                           | 272559                                            | 0                                                 | 2890   | 193     | 30332   | 8887   | 11215   | 6903    | 183617   | 5236105   |
| TOTAL       | 133501670                                         | 22017179                                          | 110599553                                         | 14246320                                          | 516                                               | 274928 | 56941   | 2411817 | 269446 | 1067752 | 2000651 | 62689394 | 349136167 |

|              | NO OF ACCOUNTS OF SAVING SCHEMES AS ON 31.03.2015   | NO OF ACCOUNTS OF SAVING SCHEMES AS ON 31.03.2015   | NO OF ACCOUNTS OF SAVING SCHEMES AS ON 31.03.2015   | NO OF ACCOUNTS OF SAVING SCHEMES AS ON 31.03.2015   | NO OF ACCOUNTS OF SAVING SCHEMES AS ON 31.03.2015   | `      | `       |        |        |        |          |         |         |             |
|--------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|-----------------------------------------------------|--------|---------|--------|--------|--------|----------|---------|---------|-------------|
|              |                                                     |                                                     |                                                     |                                                     |                                                     |        |         |        |        |        |          |         |         | (in number) |
| CIRCLES      | SB                                                  | MIS                                                 | RD                                                  | TD                                                  | FD                                                  | NSS-87 | NSS- 92 | PPF    | CTD    | SCSS   | MGNREG A | SSA     | MSY     | TOTAL       |
| A.P.         | 15559080                                            | 1137842                                             | 18109644                                            | 540407                                              | 0                                                   | 11101  | 3237    | 93611  | 1130   | 47323  | 24589582 | 219439  | 15727   | 60328123    |
| ASSAM        | 4512042                                             | 371945                                              | 1900288                                             | 181222                                              | 0                                                   | 2252   | 335     | 41983  | 1084   | 4330   | 1380161  | 48451   | 0       | 8444093     |
| BIHAR        | 14268945                                            | 1205436                                             | 3421886                                             | 1594598                                             | 0                                                   | 2299   | 202     | 29217  | 688    | 26860  | 6707904  | 12974   | 0       | 27291009    |
| BASE         | 441349                                              | 30438                                               | 407319                                              | 2762                                                | 0                                                   | 374    | 28      | 14714  | 91     | 475    | 0        | 0       | 0       | 897550      |
| DELHI        | 1463047                                             | 59687                                               | 621732                                              | 153112                                              | 2                                                   | 26985  | 1100    | 221311 | 10069  | 84099  | 0        | 25629   | 2094    | 3205987     |
| GUJARAT      | 6374586                                             | 2095543                                             | 5298183                                             | 2187683                                             | 0                                                   | 31261  | 255     | 226239 | 5678   | 91720  | 2262577  | 63948   | 0       | 18637673    |
| HARYANA      | 3173161                                             | 455241                                              | 1870540                                             | 1268305                                             | 0                                                   | 11014  | 305     | 93746  | 83879  | 20730  | 67359    | 70889   | 129679  | 7244848     |
| H.P.         | 1891628                                             | 203843                                              | 2183863                                             | 488917                                              | 22                                                  | 1514   | 75      | 23286  | 4615   | 4756   | 98359    | 23141   | 0       | 4924019     |
| J&K          | 1282199                                             | 93446                                               | 283152                                              | 256268                                              | 0                                                   | 1509   | 50      | 7628   | 5676   | 2294   | 3991     | 25947   | 21262   | 1983422     |
| KARNATAK A   | 14398705                                            | 644017                                              | 6209844                                             | 301388                                              | 4                                                   | 15473  | 1671    | 105092 | 8373   | 51972  | 669670   | 501860  | 0       | 22908069    |
| KERAL        | 6142153                                             | 450376                                              | 5150876                                             | 207252                                              | 298                                                 | 5714   | 2094    | 18629  | 42710  | 6866   | 312963   | 123615  | 6       | 12378132    |
| MAHA         | 7927560                                             | 2191683                                             | 21632124                                            | 1534911                                             | 0                                                   | 77457  | 2337    | 466169 | 20705  | 138417 | 3496733  | 0       | 0       | 37488096    |
| M.P.         | 11445784                                            | 629972                                              | 10153376                                            | 593515                                              | 59                                                  | 6954   | 327     | 55398  | 10533  | 22054  | 2087904  | 78641   | 1108431 | 26192948    |
| N.E.         | 1440712                                             | 60326                                               | 680677                                              | 53771                                               | 4                                                   | 883    | 116     | 5725   | 1447   | 2090   | 681649   | 9151    | 19530   | 2956081     |
| ODISHA       | 8113358                                             | 466482                                              | 3998822                                             | 394093                                              | 0                                                   | 4782   | 326     | 19638  | 9317   | 13404  | 1608472  | 54884   | 23455   | 14707078    |
| PUNJAB       | 3630646                                             | 773857                                              | 1622352                                             | 877034                                              | 127                                                 | 14594  | 689     | 178543 | 13206  | 42168  | 244269   | 59385   | 31768   | 7488638     |
| RAJAS        | 10155648                                            | 815435                                              | 4607976                                             | 133589                                              | 0                                                   | 7772   | 801     | 209856 | 4600   | 26446  | 3720999  | 35852   | 102295  | 20087269    |
| TAMIL NADU   | 13728456                                            | 804931                                              | 11805868                                            | 711760                                              | 0                                                   | 17188  | 5604    | 142327 | 7270   | 70217  | 0        | 606385  | 17668   | 27917674    |
| U.P          | 15092187                                            | 1796524                                             | 14163666                                            | 1822316                                             | 0                                                   | 18521  | 413     | 181361 | 23916  | 105018 | 377636   | 176763  | 369098  | 34127419    |
| W.E.         | 13001480                                            | 5533388                                             | 4343864                                             | 1945479                                             | 0                                                   | 1851   | 36373   | 165000 | 0      | 163271 | 7037265  | 168006  | 0       | 32392675    |
| C.GARH       | 2870218                                             | 124928                                              | 867916                                              | 69677                                               | 0                                                   | 1547   | 133     | 32477  | 1303   | 5303   | 5399961  | 7868    | 0       | 9381331     |
| J.KHAND      | 5292403                                             | 416167                                              | 2022431                                             | 363590                                              | 0                                                   | 3481   | 0       | 40956  | 1877   | 15696  | 3914247  | 109445  | 0       | 12180293    |
| UTTARAKH AND | 3762839                                             | 175181                                              | 1581705                                             | 290854                                              | 0                                                   | 2694   | 185     | 32033  | 8887   | 8668   | 222901   | 63732   | 6903    | 6156582     |
| TOTAL        | 165968186                                           | 21073808                                            | 122938104                                           | 16238903                                            | 516                                                 | 263518 | 56656   | 24984  | 181634 | 954177 | 64884602 | 2486005 | 1847916 | 399319009   |

## Annexure-II

The number of Postal Life Insurance (PLI) and Rural Postal Insurance (RPLI) Policies during the last three years is as under:

| Year    | No. of PLI Policies   | No. of RPLI Policies   |
|---------|-----------------------|------------------------|
| 2012-13 | 52,19,326             | 146,64,650             |
| 2013-14 | 54,06,093             | 150,14,314             |
| 2014-15 | 52,42,257             | 152,45,387             |

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