HOUSING BOARD HARYANA C-lS, Awas Bhawan, Sect0r6, Panchkula HOUSING BOARD HARYANA (Provident Fund) RULES, 1974 ( As Amended upto 29th February ,2004) Scanned by CamScanner HO. (3,8,8. 491HA291’711’8.73/74.
73 of ""25 Haryana Hous'ng B theHeryana Government Gazette Legislative Supnpplement, dated the 7‘“ May, 1974]
PART lll HARYANA GOVERNMENT HOUSlNG DEPARTMENT Notification The 3" May. 1974 - in exercise of the power conferred by sub-section (I) of “2rd. Act 1971 and v.ith reference of Haryana Government Housing Defy'trrA'It not:nation no. G."S.R 911HA 20171573173 dated the 13‘“ July, 1973 the Governor of the Pia/aha hereby makes the ioilov.‘Ing rules, namely:- mies may be calied the Housing Board Haryana (Provident Fund) Rules, 1974.
t'nn ‘ A 1 A-2. ln these rues, uniess were is anything repugnantIn the subject or the context.
Note:-
(b) (C)
(d)
(e) (0 (Q) ‘- Board or is officiating against a permanent postIn a substantivecapacity butdoes not ' Wench means-
(i) in “1— case cI the male subscriber the wife or wives and children of the subscriber, and the vidow or .HIicbvis and children ofadeceased son of the subscnber:
Provid:—-d that ii a subscriber proves that his wife has been judicially separated from him, or has ceased under the customary law of the community to which he belongs, to be emitted to main-tenance she shall henceforth be deemed to be no longer a member of the subscriber's familyIn matters to which these rules relate, unless the subscriber subsequently indicates by express notice in writing to the Chairman that she shall continue to be so regarded;
(i1) in the case of a female subscriber, the husband and children of the subscriber, and the wide.I of \.ith.s and chfldren of a deceased son of a subscriber.
Provided that it a subscriber. by notice in writing to the Chairman expresses her desire to exclude her husband from her family, the husband shall henceforth be deemed to be no longer a member of the subscriber's family in matter to which these rules relate, unless the subscriber subsequently cancels formally in writing her notice excluding him;
‘Children’ does not include illegitimate children. .
‘Govemment'means the Government of the State of Haryana in the Housing Department Interest" means interest accrued on the balance at the credit of a subscriber to the Provident Fund calculated as if such balance were a deposit'In the Saving Bank; or the amount of interest received from investments under sub-mle 2 of rule 9;
“Provident Fund” means the Provident Fund established by the Government under Section 12 of the Haryana Housing Board Act 1971:
‘Salary' means monthly salary and includes special payas defined'In the Punjab Civil Services Rules, but does not include traveling allowance.conveyance allowance or compensatory allowance; ,, I. .
“savings bank” means the saving bank of any scheduled Nationallsed orCo-OperativeBank or the post office savings bank‘ I "‘servant includes eVery employeeof the Board who holds permanent post under the includea Government servant employed by“ the Board;
ShortTI'tle Definations.
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(h) “service" means service of the subscriber from the date of Joining the service oi the Board;
(i) “subscriber" means a servant who is required or permitted to subscrlbo to tho Provident Fund;
- . e Board shall administer a Provident Fund to which every servant in receipt of a monthly 55:55:32?
3 :SIary of fifty rupees or more shall be required to subscribe at the rate as determined by the fund Government fromtrme tetime; provided that the Board, forspeclel reasons to be recorded in a resolution. may permit any servant‘In receipt of a monthly salary of less than fifty rupees to subscribe to the Provident Fund;
Provided further that a subscriber if he so desires may contribute to the Provident Fund at a higher rate.
Flecovery or 4. 1) Every subscription to the Provident Fund shall be recovered by means of a deduction of SUbSC'ip’i°”5- the amount of such subscription from each salary bill of the subscrrber; provrded that In calculating the deduction to be made fractions of a rupee of salary shall be disregarded.
(2) Notwithstanding anything contained in rule 3 or in sub-rule (1) of this rule. no servant shall be required or permitted to subscribe to the Provident Fund while he is absent on i leave except during earned leave. l Board‘s 5. The Board shall contribute to the Provident Fund of each subscriber an amount equal to the °°m."b”“°” 1° amount of his subscription; provided that the contribution does not exceed the rate as determined provfdem fund by the Government from time to time under rule 3 Ledger or 6. ( 1) The Board shall maintain a Provident Fund Ledger in form P.F.1 of which separate portions Accounts of shall be assigned to each subscriber and there shall be entered therein each month the subscribers- amount of each subscription, the amount of the Board's contribution and the monthly balance on which interest is to be calculated.
(2) The amount of interest accrued on the balance at the credit of a subscriber shall be calculated at the end of the year or when the account is closed, to the nearest paise of the lowest balance, excluding fractions of a rupee at the credit of the subscriber between the close of the fourth day and the last day of each month.
(3) The Board shall maintain a Provident Fund Liabilities Account in Form RF. 8 which shall be posted upon every day in which amounts are credited or debited to the accounts (P.F.l) of the subscribers.
(4) At the end of each yearthe Board shall furnish each subscriber with a statementIn form P F 2 showing the balance at the beginning of the year, the amounts added hereto by way of subscriptions and contributions and the interest accrued during the year and the balance at the credit of his account at the end of the year.
Payment fol 7. (1)The Board shall open an account to be called "The Housing Board Haryana Provident Fund SUUSFfiplion and Account" with the Saving bank and as soon as may be at the beginning of each month ggngmfiym be and if possible before the fourth day of each month shall pay into such account the amount of all subscriptions recovered under the provisions of rule 4 and of the contributions ' payable underthe provisions of rule 5.The Chairman shall operate the amount.
(2) Before a chequeIs drawn for payment of subscription and contributions as required by 'sub- rule (1), a bill shall be preparedIn Form PF. 3 and submitted with the relevant salary and establishment bills forSignatures to the Chairmanor other Officer authorized forthis purpose; provided that the Board may make payment of the subseriptionsand contributions .
. on a single bill _-an_d by means of .a single cheque in respect of all subscribers or on separate bill and by means of separate cheques'In respebt ofsubscribers of differentoffices .
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(3)";.zAIIcheques drawn under theprovrsronsof subrule (2) shallbe drawn infavour of the .
Manager of the Scheduled Nationalized or Co-operative Bank orthe Post Master ' v j.‘- ' . -2g Scanned by CamScanner F a. (1) No sum shall be withdrawn from the Hou .
’ sing Board Haryana Provident Fund Account W'mwals With the savrngs bank except. '
(a) under the provisions of sub-rule (1) of rule 9 for the purpose of investment or placement;
(b) under the provisions of sub-rule (1 ) of rule 10 for the purpose of making an advance to a subscriber; or '
(c) under the provisions of rule 13 when a subscribefs account is to be closed for payment to the subscriber or his heirs.
(2) Whenever a sum is withdrawn from the Housing Board Haryana Provident Fund Account,such sum shall forthwith be credited to the Board Fund. The payment shall be made there from for the purpose forwhich the sum was withdrawn.
9. (1) With the previous sanction of the Government the Board may from time to time. withdraw Investment of any sum from the Housing Board Haryana Provident Fund Account with the savings Provident fund bank and may invest or place such sum subject to the conditions and restrictions. if any "ways" applicable to the investment or placement of a portion of the Board Fund.
(2) The interest obtained by the investment or placement of any sum under sub rule (1) rule shall be deposited in the saving bank to the credit of the Housing Board Haryana Provident Fund Account subject to the following conditions:
CONDITIONS
(1) The Board shall establish a Provident Fund Investment Depreciation Fund (hereinafter in these conditions referred to as the fund) which shall be deposited in the savings bank, under the General Account of the General Provident Fund Account.
(2) There shall be credited to the fund immediately on accrual :—
(a) all interest accruing on the amount of the fund from time to time : and
(b) one percent perannum of the sum invested under sub-rule (1 ); provided that the interest received from investments and available for distribution amongst the subscribers should not be less than the interest obtainable from the savings bank
(3) After deducting from the interest obtained by the Board on any sum invested under sub-mle (1 ), the amountreferred to in condition 2(b) above, the reminder of the said interest shall be deposited in the savings bank to the credit of the Housing Board Haryana Provident Fund Account.
(4) At the end of each year immediately after the account of each subscriber has been credited with interest in accordance with the provision of sun-rules (2) and (3) of mle 6, the Secretary of the Board shall lay before the Board a statement showing-
(a) The total amount of interest accrued to the Housing Board Haryana Provident Fund Saving Bank Account during the year just closed either earned in the savings bank itself or credited thereto in accordance with the provisions of condition 3 above; and
(b) The total amount of interest credited to subscriber’s account’s under the provisions of sub-rules (2) and (3) of rule 6,
(5) At the close of five years after the institution of the fund and at regular intervals of five year thereafterthe Board shall furnish to the Government for scrutiny a statement of the fund hetd by the Board and a statement showing the total amount in the fund.
(6) It the Government is satisfied at any quinquennial scrutiny that any of the investments held by the Board out of the Housing Board Haryana Provident Fund Account have depreciated in , . value, it may direct that an amount not exceeding the amount of such depreciation shall be ..drawn by the Board from the fund and credited to the credited to the Housing Board Haryana Provident Fund Account.
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(7) It the Government is satisfied at any quinquennial scrutiny that the‘balance in the fund after the withdrawal, it any, of any sum in accordance wrth condition 6 l8 suffrcrent to cover any depreciation likely to occur during the next following period of five years in regard to any of the investments held by the Board as part of the Housing Board Haryana Provrdent Fund, the Government may direct that for the next five year the amounts to be deposited in the fund In accordance with clause (b) of condition 2 shall be reduced to such sum as It may prescribe or shall be discontinued for such period not exceeding five years as it may direct.
(8) If any reduction discontinuance of the periodical payments into the fund has been ordered by the Government under the provisions of condition 7. it may at any subsequent qurquennial scrutiny direct that the payments be restored to the original figure or to any proportion thereof as it may deem fit.
(9) (a) The cost of making any investment. under the provision of sub-rule (1) rule 9, shall be met out of the fund.
(b) When any investment is realised and the net price obtained after payment of any brokerage and other incidental charges is less than the amount originally invested, the difference shall be credited to the fund.
(10)(1) With the sanction of the Board any subscriber may, up to the amount contributed by the subscriber including interest accrued thereon, be granted an advance from hlS Provident Fund an amount not exceeding, three times the amount of his salary for either of the following purposes and for no other purpose:-
(a) to pay expense incurred in connection with the illness of the subscriber or a member of his family;
(b) to pay expenses in connection with marriages, funeral or other ceremonies which by the religion of the subscriber it is incumbent upon him to perform and in connection with which it is obligatory that expenditure should be incurred:
Provided that no such advance shall be sanctioned unless the pecuniary circumstances of the subscriber are such that the indulgence is, in the opinion of the Board. absolutely a necessary: -
Provided further that when an advance has already been granted to a subscriber, a subsequent advance shall not be granted to him until at least twelve months after the final repayment of all previous advances together with interest thereon and except for very special reasons to be recorded in writing by the sanctioning authority.
(2) The amount of the advance shall be repayable in not more than twenty-four equal instalments as may be fixed by the Board when sanctioning the advance and such instalments shall be recovered as if they were subscription in the manner provided in rule
4. ' ‘
(3) The amount of an advance shall be recorded in column 5 of the Provident Fund Ledger(From P.F.l.) and note shall be made in column 9 as to the number of installments bywhich the advance is recoverable Each month the amount of the advance repaid shall be recorded in red ink column 2 of the ledger and in column 8 shall be entered the amount of the balance of the advance outstanding. The amount of interest lost on the monthly out standing balances shall be recovered from the subscriber in the month following the month in which the last instalment of the advance is recovered and at the end of the yearshall be added to the interest calculated on the monthly balance shown in column 7.
(4) If under the provisions of the first provision to rule .Board's contributions is to be withheld when a su ~ when such subscriber is still outstanding, the amount of the adVance outstanding plusthe amount of interest lost, calculated on the monthly outstanding balances of the advance . shall be added to the amount shown at credit of the account in column 7 forthe purposeof calculating the Board's share of the total at credit of the account: . 5 - " , i
5. the whole or'any portion of the bscriber’s acCount is closed and if.
.4 Scanned by CamScanner Nomination of persons to receive the amount of provident fund at the credit of the subscriberon his death:- Each subscriber shall, as soon possible after he joins the Fund, be called upon by the Secretary to furnish a declaration in form RF. 7 in favour of one or more members of his family, in such proportions as he may like showing what he wishes to be done with the Fund money at his credit in the event of his death.
A subscriber who has no family, may nominate any other person or persons, instead,provided that such a nomination shall be deemed to have been duly made in accordancewith these rules only for as long as the subscriber has no family if a subscriber at the any time acquires a family or remarries, any declaration alreadymade under sub-rule (1) or (2) above as the case may be, shall forthwith become null and void and unless a revised declaration is received by the Board the amount of his accumulation shall be dealt with under clause (a) or (b) of sub-rule (1) of rule 15, as the case may be. - A nomination may be cancelled by a subscriber and replaced by any nomination. which is permitted to be made under this rule.
Payments towards a policy of insurance may, at the option of subscribers, be substituted Payments for, or deducted from, subscriptions to the provident fund subject to the following $fi$ai£icyconditions:- only the amount of subscription with interest thereon, standing at the credit of a subscriber in the Fund, may be withdrawn to meet the payment of premia;
if the total amount of any subscription or payment substituted under this rule is less than the amount of subscription payable to the fund under rule 3; the difference shall be paid by the subscriber as subscription to the fund;
the policy to be financed from the Fund shall be the one effected by the subscriber himself on his own life except a "Pure Endowment" policy which involves no element of risk in life. The policy shall be such as is legally assignable to the Chairman;
A guarantee policy which ensures the payment of the sum assured in the event of the policy holder being retired by the Medical Board, Shall be accepted for the purpose of this rule A contingent annuity, which in the event of his death, ensures a certain income to the insurant’s life or children or both, shall also be accepted for the purposes of this rule.
If a policy of insurance is effected by a subscriber on his own life for the benefit of a sole beneficiary especially names therein, a formal assignment by both the insured and the sole beneficiary shall be permissible, An assignment of policy effected by a subscriber on his own life forthe benefit of more than one beneficiary, whether existent or not at the date of the policy shall not, in view of the attendant legal difficulties, be permissible under this rule;
The Chairman shall not make any payment on behalf of the subscribers of Life Insurance Corporation of India (hereinafter called the HO) nor shall he takesteps to keep the policyalive. If a subscriber certifies every month at the time preparation of the pay bill that the monthly premium payable by him to LIC is not less thanlthe amount of hisProvident Fund subscription under rule 3, the Chairman shall accept the same. He can, however,demand and scrutinise, at any time, the premium receipts or certified copies thereof showing that such payments have actually been made to theLlC. In the event of the insurant's not furnishing the same, theVChairman shall make the necessary deductionsfrom the subscriber‘s pay fordeposit in his provident fund accountiShould the subscriber Prefer to do so, he may apply for an advance from the fund for payment of his quarterly, Scanned by CamScanner k W half-yearly or yearly premla;
(v) Any sums already at the credit ol the subscriber'in the Fund may‘blef WIthgéavgfgtr {Liepayment of premia or lor the purchase of a Single payment 0 '9 $1“ {'l' .
9 discretion of the Chairman, for the payment of a singlO premium, butt 9 U ' rsation 0' sums already at credit shall not relieve the subscriber for continumg '0 makithe usual allocation for his current salary within the limits prescribed in rule 3. whethert e amount is to be paid into the Fund or towards an insurance policy 8x090t when the subscriber '5 on leave other than earned leave.
Note :-The amount which may be withdrawn under this clause for payment of a srngle premium is the amount required to pay a single premium which on receipt by the HO at once becomes the property of the Corporation. A subscriber shall not Withdraw an amount form the fund for deposit with the LIC lor adjustments towards payments of future premia on his policy.Withdrawals are permissible to iinance single payment endowment petioles and not merely whole life policies and there should be no objection by the acceptance of a policy on the joint lives of a subscriber and his wife;
(vi) a policy shall not be rejected, it -
(1) there is difference between the amount payable at maturity and death if it occurs earlier, or
(2) the assured is unable to say that what amount precisely will be payable at maturity; or
(3) the insurant has not been required to be medically examined by HG; or
(4) the amount withdrawn is to meet the premium due for one or more policies. provided they are othenlvise acceptable;
(vii) (a) if a policy assigned to the Chairman matures before the subscriber quits the service,the Chairman shall, save as provided in condition (ix) a) proceed as follows:- If the amount assured together with the amount of any accrued bonuses is greaterthan the whole of the amount withheld or withdrawn from the Fund in respect of the policy with Interest there on the chairman shall reassign the policy to the subscriberand make it over to him, and he (the subscriber) shall pay to Fund the whole or anyamount withheld or with drawn with interest accrued thereon;
if the amount assured together with the amount of any accrued bonuses is less thanthe whole of the amount withheld orwithdrawn with interest, the Chairman shall reliesthe amount assured together With any accrued bonuses and shall place the amount sorealised to the credit of the subscriber in the Fund;
b) the bonuses which accrue on'any policy may be allowed to until it matures, but if it is incumbent on the polio due, the amount shall be credited to the subscrib accumulate with the policy y-holder withdrawn them as they fall er's account in the Fund;
(viii) a policy, the payment or payments for an . .
y premia on which, shallunder this rule, besubstituted for subscriptions to the Fund or withdrawn from the sum at the credit of 8 unless and until the life policy shall have been so assigned. Indefault or such assignment . , or withdrawal as the case may berths amount ' . so paid or withdrawn shall forthwrth be paid or‘rep‘aid by the subscriber'conce’rned to the ' , :‘Chairman or shall in defaultbe deducted from such subscriber‘s pay;
‘ . .
Scanned by CamScanner (“0(8) "‘0 assignment 0' 11 policy under this rule aitali be endorsed on the pulley and shall be In the tollowmg tmm;
"M38 0' ____‘___‘__ hereby assign unto the Chairman el l'teurtl. the within ' policy oi assurance as security tor payment el all eunta which under rule It at the mine tor the management ot the Board. Hatyann i’revtdunt l‘-'und I may hereatter become liable to pay to the anui'u provident Fired."
I Or in the case ol policies at insurance eilected by subscriber (or the henellt at a vein beneltcrary as lollows:- “We A.B (the subscribers) at the Board. Provident Fund and Cl) (the note beneilelary oi the policy) of _______A~___» gmwg in consideration ei llttl Chairman oi the Hoard.
agreeing at our request to accept payments towards the within policy at uannrruree in substitution tor the subscriptions payable to me the eulrl All to the iteurd i'reviriont Fund ( or as the case tnay be to accept the withdrawal oi the aunt oi rupees h_ treat the sum to the credit at the said A it in the Fund ler payment of the premium ol the within policy oi assurance) hereby jointly and severally assign unto the said Chairman the within policy at assurance as security tor payment oi all sums which the said AB may herealter become liable to pity le tirat lurid;
(b) save as provided in conditions (ix), (c). the policy shall he reassigned to the subscriber and handed back to hire on quitting his service or on his relunding with the lull interest thereon any advances taken irom the Fund tor the purpose oi paying premia thereon and in the event of this death belore quitting the service a reassignment shall he executed in iavour of and the policy be handed over to the tugal representative at his estate as determined by a civil court competent to pass orders lrt this respect. Notice of rt roassignment shall be sent to the HO by the Chairman.
(c) It notice has been received by the Chairman oi any assignment or attachment oi. or encumbrance on the policy. he shall not execute a reassignment oi the policy in iavour of the subscriber or. in tho event oi his death, at the legal representative oi his estate as determined by a civil court competent to pass order in this respect trntli he has obtained the orders ol the Board;
(x) the following procedure shall be observed in regard to the assignment and ro-asstgnmont of life policies:-
(a) when the assigned policy is delivered to the Chairman under condition (xiii). it shall be accompanied by a cortilicate from the subscriber to the oiloct that no prior assignment oi the policy exists. The Chairman shall satisly himsell Independently that this is the case by direct reference to the L.l.C.
(b) notice of the assignment ol policy shall be given by the subscriber to the LIE. and acknowledgment of the notice oi the L. LC. shall be sent by the subscriber to the Chairman within three months of the date of the assignment.
13. (1) When a subscriber dies, the amount shown to the credit oi his account in coittmn 6 of Withdrawal on the Provident Fund Ledger (P.F.t.) plus interest accrued to date shall be wititdrawn trom Cloning 0! account the savings bank. and payment at such amount shall be made_ '
(a) when the subscriber leaves a tamity-
(i) if a nomination made by the subscriber In accordance with the provisions ol rule 11 in iavour oi member’or members ol his lamily subsists, the amounts standing to his credit in the Fund or part thereof to which the nomination relates shall become payable to his nominee or nominees in the proportion specified in the nomination;
(“i it no such nomination subsists or such nornination‘retatos only to a part at the amount standing to the credit ol the subscrldor, the whole amount or the part not covered by the nomination shall, notwithstanding any nomination purporting to be in iavour oi any person ,7.
A Scanned by CamScanner “It —__._._, _“W fl other than a member of the subscribei’s family become payable as to one moiety to the husband or the widow or in equal shares to the widows, asthe'case may be, and as to be other moiety in equal shares to the children of the subSCrIbeF-
Provided that if one or more of his sons have died leaving behind there W'dows,” sons or both. the respective shares of each such deceased son shall be payable ”1 equa] shares amongst their sons or widows or both;
Provided further that if the subscriber has left only a husband or Widow or Widows, as the case may be the amount shall become payable to such husband or Widow or in equal i shares to such widows, as the case may be. or if the subscriber has left only children the whole of the amount shall become payable to such children in equal shares subject to proviso (i) above, or failing both children and widow or Widows or husband, as the case may be, in equal shares amomg other members of the family:
Provided further that no share shall be payable to -
(1) married daughter whose husbands are alive: and
(2) married daughters of a deceased son whose husbands are alive; if there is any other member of the family in existence;
(3) when the subscriber leaves no family-
(i) if a nomination made by him in accordance with the provisions of rule 11 in favour of any person or person subsists. the amounts so standing to his credit in the fund or the part thereof which the nomination relates shall become payable to his nominee or nominees in the proportion specified in the nomination.
i (ii) if no nomination subsists or if such nomination relates only to a part of the amount E standing to his credit in the Fund, the whole amount or the part thereof to which the “ nomination does not relate, shall not relate, shall be payable to his legal heirs
Explanation- 1. Forthe purposes of this sub-rule 3 subscriber's posthumous child shall be considered to be a member of his family at the time of his death, and if born alive, shall be treated in the same way as surviving child born before the subscriber’s death.
2. The case of a posthumous child already born when the case is taken up by the disbursing officer will present no difficulty. For the rest if the possibility of the birth of a posthumous child is brought to the notice of the disbursing officer, the amount which will be due to the child in the event of his being born alive, shall be retained, and the balance distributed in the normal way under this usb-rule. If the child is born alive, payment of the amount retained should be made as in the case of a minor child; but if no child is inborn or the child is still born, the amount retained should be distributed among the family in accordance with this sub-rule. M‘MM “1...“- _ A
(2) Subject to the provisions of rule 14, when a subscriber ceases to be a servant of the Board, the amount shown to the credit of his account in column 6 of the Provident Fund Ledger (From RE I) plus interest accrued to date shall be withdrawn and shall be paid to him :
Provided that -
(a) if he is transferred other wise than temporarily to the service of another autonomous institution which maintains a Provident Fund or when having been transferred temporarily from the service of another autonomous institution he reverts to such service of the amount withdrawn shall be paid to such other autonomous institution for credit to his provident fund account with Such autonomousinstitution; and
(b) if he is transferred temporarilyto the service of another, autonomous institution. the amount shown to the credit of his account incoltimn 6 of the Provident Fund Ledger (FromPEIJ shall not be withdraWn but shall’re'mainto lhecredit of his account, J . ,'8‘ Scanned by CamScanner (i!)
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When Iho subscrlbur wIIo III ruquII'uII or IIIIIIIIIIII'III In nubucrlhu III IIIII FIIIIII rIIIIInan wIII'IIn Iivo yours ()I the conInIonconIont oI IIIII UUIVICO IIchIIII on IICCOIIIII III IIIIIIIIIII or my mum cuusu whlch tho CIIuIrInun Inny doom to bu n I-IIIIIICIIIIII CI'IIII‘Io or IIIIII IIIIIIII IIIIIIIIIIIIIIIII Irom tho IIorvIco III tho Bourd. the Board. nIIIy IIIIIIIIIII Irom IIIII IIIIIn IIIIIIIIIIIII) III I'IIII credit in the Fund, tho whole or purl III the conII'IIIIIIIIII'I "man by II to IIIII I’vadIIIII Fund and tho Intorust Ihuroon.
15. The Bourd shall Inalntnlnn Provident Fund Account In I’.F.II;
II ProvIdont Fund Invoslmonls AccounI In Form RES;
3 Provident Fund Invos Imonls Inlorost Account In Form No. PF. 6 or" u Provldont Fund Investment Dopreclution Fund I3 maIntulnod. n provIdonI Fund InvozItmonI Doproclution Fund Account In Form RF. 6- B: and an account In Form RF. 9, showing the amount uvnIlubIo Ior paymonI of Insurance.
promia of tho Provldont Fund Subscribers.
AIIIIIIII II In III;
wIIIII‘IéIII wIIsII hIJCIIIII‘II I5 nlosod.
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