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Indian Navy Information Resource and Facilitation Centre FAQ (Frequently Asked Questions)

Category: Main -> Overview - Financial Issues - Sailors

·  Sailors Branches
·  Pay Structure
·  Retirement Benefits
·  Assistance in Case of Death
·  Provision of Maintenance Allowance for Sailors Families
·  Only Girl Child/Small Family Incentives to Sailors
·  Importance of Nomination After Marriage to be made Correctly and Promptly

·  Sailors Branches

Sailors Branches

The main branches of sailors in the Indian Navy are as shown under :
(a) Seaman Assistant
(b) Communication
(c) Engineering
(d) Electrical
(e) Writer
(f) Store
(g) Medical
(h) Aviation Technical
(j) Aviation Non-Technical
(k) Ship Wright
(l) Musician
(m) Steward
(n) Cook
(p) Topass

Note : Artificer Apprentices/mechanician are part of their respective branches.

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·  Pay Structure

The pay structure of sailors is categorised into three main groups called Group 'X', 'Y' and 'Z'. The classification of groups is based on the type of entry when a sailor joins the Navy. Group 'Z' is for Non-Matric entry sailors, group 'Y' is for Matric entry sailors and group 'X' is for artificers. Present pay structure (Basic Pay) is as follows :-

Rank Group 'X' Group 'Y' Group 'Z'

MCPO I 7400-200-10200 6750-200-9550 6600-200-9400
MCPO II 6750-190-9790 6600-170-9320 6170-155-8650
CHIEF ART/CPO 6000-125-8250 5620-140-8140 5200-125-7450
ART III-I 5120-100-7120 - -
ART IV/PO 4550-100-6350 4320-85-5595 3375-85-5050
ART V/LEADING 4150-70-4360 3900-70-4950 3200-70-4250
SEA I - 3650-60-4550 3080-60-3980
APP/SEA II 3200-60-3260 3325-60-3445 3050-55-3215

Dearness Allowance , Kit Maintenance Allowance and City Compensatory Allowance are applicable to all the sailors.

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·  Retirement Benefits

The benefits that a sailor is entitled to on retirement are as follows :-

Retiring Pension Death-cum-Retirement Gratuity Commutation of Pension Naval Group Insurance Fund (NGIF) – (Survival Benefits) Encashment of Accumulated Leave AFPP Fund Credit Balance Post Retirement Death Insurance Extension Scheme (PRDIES) Senior Citizen Unit Plan (SCUP)

The details of the above benefits are covered in the succeeding paragraphs

Retiring Pension. Retiring Pension is calculated at 50% of emoluments reckonable of the rank/Pay group actually held continuously at least for 10 months at the time of discharge/retirement for Pension. The amount of Retiring Pension will be subject to a minimum of Rs. 1275/- per month.

Death-cum-Retirement Gratuity. A sailor who has completed 5 years of qualifying service and is eligible for service/invalid pension is entitled for gratuity @ ¼ of the reckonable emoluments for each completed six monthly period of qualifying service subject to maximum of 16 ½ times of emoluments.

Commutation of Pension. A sailor is entitled to commute his retirement pension for life up to an upper limit of 45%. The Pension will be restored if the individual is alive after completion of the period assessed at the time of retirement.

NGIS. Insurance cover for sailors is presently Rs. 3.5 lakh. In addition, submarine/aviation/Marcos sailors are covered with additional Group Insurance Scheme with additional premiums deducted monthly. The survival benefits accrued to the individual's account at the time of retirement is paid to the individual.

AFPP Fund Credit Balance. The Credit balance in the Provident Fund Account of the individual is paid with 9.5% (Present Rate of interest) interest at the time of retirement by Naval Pay Office, Mumbai.

Post Retirement Death Insurance Extension Scheme (PRDIES). Post Retirement Death Insurance Extension Scheme is provided to the sailor after retirement on remitting a single non-refundable premium of Rs. 3700/- for a sum of Rs. 1.5 Lakh for the next 15 years from the date of retirement or attaining the age of 70 years whichever is earlier.

Senior Citizen's Unit Plan (SCUP). An individual who is a member of this plan pays one time premium from the survival benefits of NGIF.

A member who joins this scheme at an age less than 55 years will be entitled for medical cover up to Rs. 5 lakh after attaining the age of 58 years for either spouse or the member. A member who joins at an age more than 55 years, is entitled for medical cover of Rs. 2.5 lakh after 58 years for either spouse or the member.

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·  Assistance in Case of Death

The entitlements on demise of a sailor are as follows :-

Travel Entitlement of NOK/Relatives
Transportation of dead body
Funeral Allowance
INBA Grant to NOK
NGIS Benefits
DLIS Scheme
Death Gratuity
Ordinary Family Pension/Special Family Pension
Medical facilities to NOK
Conveyance of Family and transportation of baggage to SPR
Retention of family accommodation
Canteen facilities
Assistance from NWWA
Ex-gratia Award
INBA Grant for Marriage of Children
Educational Scholarship from INBA Pending Enquiry Award (PEA)

The details of the above entitlements are enumerated below.

Travel Entitlement of Next of Kin/Relatives. The travel entitlements subject to condition that illness/death are not due to individual's misconduct are :-

(a) Sailor Place on DIL. Two persons are entitled to free conveyance by air/rail/road.

(b) Death of a Sailor. Three relatives can travel by air/rail/road to attend the funeral, if the individual is married. In case of unmarried sailors, two persons can travel by air/rail/road to attend the funeral.

(c) Return Journey. In both the above cases, the return journey will be rail/road in entitled class of the deceased.

Transportation of Dead Body

(a) Death at Headquarters Station. In case the relatives of the deceased individual wish to carry the dead body to the home town of the deceased, they may do so at their own expense. However, rail fare as per the entitlement of the deceased will be reimbursed.

(b) Death occurs whilst on Tour. The dead body may be transported to Headquarters station or to home town at government expenses by air. The cost of embalming and coffin are also reimbursable.

Funeral Allowance. A sum of Rs. 1000/- can be drawn from the ship's imprest subject to post-audit and paid towards funeral expenses to the next of kin.

Grant from INBA. The grants admissible to the deceased sailor/pensioner are :-

(a) Whilst in Service

(i) Sailors (Married) = Rs. 7500/-

(ii) Sailors (Unmarried) = Rs. 5000/-

(b) Pensioners = Rs. 5000/-

The Administrative Authority concerned should remit the lump sum grant from the Command Benevolent Fund to the next of kin of the deceased immediately on receipt of death report. In case of death of pensioners, NOK should apply to the Secretary INBA through Zila/Rajya Sainik Board.

Payment of Naval Group Insurance Benefits. The benefits admissible for payment from Naval Group Insurance Fund are :-

(a) Whilst in Service. A sum of Rs. 3.5 lakh plus survival benefits is admissible on death of a sailor whilst in service.

(b) Pensioners. A sum of Rs. 1.5 lakh is admissible to the nominee of the pensioner if the pensioner had subscribed for PRDIES. If the death occurs within the insurance cover period (that is, 15 years from the date of retirement or 70 years of age whichever is earlier). The nominee should apply to the Secretary NGIF, New Delhi along with following certificates :-

Death Certificate in original
Insurance certificate in original
Affidavit as per specimen supplied with insurance certificate

AFPPF Dues. Payment will be forwarded by Naval Pay Office to Commanding Officer for effecting the payment to the Next of Kin.

DLIS Scheme. (Deposit Linked Insurance Scheme) - An additional amount equal to the average balance in the account during the last three years restricted to maximum of Rs. 60,000/- is payable if the credit balance during the last three years preceding the month of death have not fallen below the following limits :-

Pay Scale (in Rs.) Limit (in Rs.)
3500 - 9000 10000/-
Below 3500 6000/-

Note :- This is applicable if the sailor has put in a minimum of five years of service.

Death Gratuity. The rate of death gratuity is depend on the length of the qualifying service of the deceased sailor. The maximum limit of Death Gratuity is 3.5 Lakh. Payment will be made by CDA (N) Mumbai along with Family Pension through Pension Disbursing Authority as request of the family.

Ordinary Family Pension. The ordinary Family Pension is entitled to wife/children/ parents.

(a) This is admissible at the rate of 30% of reckonable emoluments subject to minimum of Rs. 1275/- p.m. If death occurs within seven of retirement, Pension will be double the rate subject to the maximum of 50% of the pay last drawn whichever is less, for first 07 years after death. Thereafter ordinary rate of family pension will be admissible.

(b) If only child/children is/are surviving, Ordinary Family Pension is payable as follows :-

(i) The surviving first child will be entitle pension till the age of 25 years or up to the date of his/her marriage whichever earlier provided his/her income does not exceed Rs. 2550/- p.m. Thereafter Family Pension shall pass on to next eligible child.

(ii) In case of handicapped children, lifetime pension is admissible subject to fulfillment of various conditions.

(iii) Widowed/divorced daughter up to the age of 25 years or marriage whichever is earlier shall also be included in the family and entitled for Family Pension.

Special Family Pension. The Special Family Pension is entitled to wife/children/parents of deceased sailor whose death is attributable and aggravated to the Naval Service. The Special Family Pension is calculated at the uniform rate of 60% of Reckonable emoluments subject to a minimum of Rs. 2550/- p.m. There is no maximum ceiling on Special Family Pension.

Conveyance of Family and Transportation of Baggage to SPR. The family of a deceased sailor is entitled for free conveyance on railway warrant in appropriate class to home town and transportation of baggage at Government cost as per the current rates.

Retention of Accommodation.

(a) The family of a deceased sailor can request for retention of family accommodation (rent free) on children education ground till end of academic year.

(b) The family accommodation can also be retained for a period of two years in all cases of death while in service on payment of normal license fee with approval of Station Commander.

Canteen Facilities. The family is entitled for canteen facilities other than liquor.

Assistance from NWWA. The Navy Wives Welfare Association also renders following Educational Scholarship :-

(a) Rs. 100/- p.m per child up to 8 class.

(b) Rs. 125/- p.m per child from 9th to 12 class.

Ex-Gratia Award. The families of sailors who die in harness in performance of bonafide official duties are entitled for following financial benefits as Ex-Gratia Award :-

(a) Accident while on duty = Rs. 5 Lakhs

(b) Violence by terrorist/anti social elements. = Rs. 5 Lakhs

(c) Enemy action in international War/action against militants/Terrorists/extremists etc. = Rs. 7.5 Lakhs

(d) Enemy action in international War like engagement specifically Notified by MOD = Rs. 10 Lakhs

Grant for Marriage of Children. A sum of Rs. 5000/- is admissible at the time of marriage of children of service personnel who died whilst in service or after are paid by INBA.

INBA Scholarship Scheme. The scholarships admissible are as follows :-

(a) For Graduation and PG Courses

(i) Day Scholar = Rs. 3000/- per annum

(ii) Boarder Scholar = Rs. 6000/- per annum

(b) Handicapped Children

(i) Boarders = Rs. 100/- per month

(ii) Day Scholar = Rs. 50/- per month

(iii) Cost of equipment for handicap = Rs. 1500/- (maximum 3 times)

Pending Enquiry Award (PEA). In case of a death due to accident, Pending Finalisation of Pension, the NOK is awarded an interim grant Rs. 1275/- per month. The amount is recovered through PPO after commencement of Family Pension.

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·  Provision of Maintenance Allowance for Sailors Families

A sailor is morally and legally bound to maintain his family in accordance with Rule 31, Chapter VII of Navy Act 1957. If the family is not being looked after in some cases, the family has the right to claim maintenance allowance. Commanding Officer can take up the matter to institute maintenance allowance in such cases by deducting from sailor's pay.

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·  Only Girl Child/Small Family Incentives to Sailors

On the golden jubilee of Independence special incentive scheme with effect from 15 Aug 97 was instituted by INBA to encourage single girl child and establish gender justice. In this case the education of the girl child beyond 10 + 2 for a period of 5 years is augmented financially in the form of scholarships. The scholarship can be availed during graduation and during post-graduation courses. The scholarship is required to be renewed every year by making a fresh application duly accompanied by a pre-receipt. The candidate must have passed 10 + 2 in all subject in first regular attempt. There is no minimum marks prescribed. It is also applicable for vocational training of 50 weeks or more at Government recognised institutions. The rate of scholarships are as follows :-

(a) Boarder Rate = Rs. 6000/- per annum

(b) Day Scholar rate = Rs. 3000/- per annum

(c) Those in receipt of stipend/ = Difference between admissible Fellowship/scholarship, if less INBA and such amount received than INBA from any other Source.

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·  Importance of Nomination After Marriage to be made Correctly and Promptly

Sailors are required to fill up following nomination forms just after marriage :-

Family Pension




Will Form

Kindred Roll

All the above nominations are legal documents. The benefits in case of unfortunate demise of a sailor will be legally paid to the nominee as declared by the sailor in above documents. There it is utmost important that the nomination forms are correctly and promptly filled in by the sailor just after marriage. Any corrections/over writings will make these documents void. These nominations are to be updated periodically and also as and when a change in family status takes place.

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