MONEY ORDERA money order is an order
issued by the Post Office for the payment of a sum of money
to the person whose name the money order is sent through the
agency of the Post Office. A ‘Payee’ is the person named in
money order as the person to whom the money is to be paid.
The advantage of sending money to someone through money
order is that the money is delivered at the house or his
place of stay.Procedure of sending the Money order.
- Buy a money order form at the counter of the post office.
A remitter is the person who send money order.
- Fill in ink the necessary entries adding his signature or
thumbs marks at the foot. A form without signature or thumb
mark or incomplete in any respect will not be accepted. All
entries made in the form must be legible and may be written
in English, Hindi or in the language of the district either
by the remitter himself or by any one on his behalf. The
remitter may write on the coupon any communication he
desires to make to the payee.
- The amount for which a single money order may be issued
must not exceed Rs 5000/-
- The money order form duly filed in, together with the
amount of the money order and commission either in cash or
by Cheque be presented at the post office counter.
- A receipt will be given for the amount paid by him on
account of the money order and commission. Any error or
omission in the receipt should be pointed out at once by the
remitter, otherwise the Post Office will not be responsible.
- After the money is paid to the payee the remitter of money
order receives an acknowledgement of payment of the amount
of the money order signed by the payee or his authorized
agent. If the acknowledgment is not received in a reasonable
time, a certificate of payment signed by the Postmaster of
the office will be given on application. However, in the
case of money orders issued in favor of Government or
District, Local or Municipal Boards, the acknowledgment in
some cases is retained by the payee who issued a
departmental receipt to the remitter direct.
How your money order is sent and paid?
- All money orders are carried by air like letters and
postcards without any surcharge wherever such a conveyance
is available and is advantageous.
- If the payee of a money order has moved from the place at
which the order was originally payable, and has left written
instructions with the post office for the re-direction of
articles to his address, the money order will be re-directed
and will be payable at the revised address without any extra
charge if the office of payment is in India. If an inland
money order is re-directed to a foreign country the
differences between the commission at the foreign rate that
would have been chargeable if the money order had originally
been drawn in a post office of that country and the
commission at the inland rate already paid will be deducted
from the amount of the re-directed order when it is advised
to be country of destination.
- If the payee of a money order cannot be found or if the
payee refuses to take payment on presentation of the Money
order to him, the amount of the money order will be returned
at once to the remitter free of charge.
- If the payee while refusing to take payment on
presentation of the money order to him, makes an application
in writing to the post office of delivery for the detention
of the money order or if the payee is not found at the
address given on the money order, the money order will be
detained in the post office for a period not exceeding seven
days from the date of its presentation to the payee or from
the date it is sent out for payment as the case may be. If
the payee fails to take payment of the money days, the money
order will be returned to the remitter on the first working
day immediately following the expiry of the said period of
seven days. The commission will in no case be refunded.
- If payment of a money order to the payee cannot be
effected and the amount cannot be repaid to the remitter
owing to the latter not being found, the order will become
void and its value be credited to the Central Government.
But if the payee or remitter subsequently applies for
payment, the amount of the order will be paid to him on the
authority of the Postal Accounts Officer provided that
application is made before the expiration of one year from
the date of issue of the original order:-
- The amount of a money order other than a V.P. money order
shall be repaid to the remitter in case the payee is dead:
Where the remitter or, in case of a V.P. money order the
payee, is dead, the amount of the money order or money
orders upto one hundred rupees shall be paid to the claimant
on his executing a personal indemnity bond, and for amounts
exceeding one hundred rupees, and indemnity bond with one
surety shall be obtained from the claiman.
Responsibility of Post Office:
The Post Office will not be responsible for (a) the wrong
payment of a money order by incorrect or incomplete
information given by the remitter as to the name and address
of the payee, or (b) for payment of money order being
refused or delayed by or on account of any accidental
neglect, omission or mistake by or on the part of an officer
of the Post Office, or (c) for any wrong payment of a money
order after the expiration of one year the date of issue of
the order. Hence the name and address of the payee must be
entered with such completeness as shall secure
identification and prevent risk of wrong payment. If a money
order is payable from a post office in rural area, the name
of father of the payee or the husband’s name in the case of
women payee may also be indicated in the Money Order form to
enable the correct party to be traced without difficulty. In
the case of money orders payable in presidency and other
large towns, the name of street, the number of the house in
which the payee resides and the Postal address should
invariably be given. The occupation, rank, trade or
profession of the payee, any other particulars calculated to
help in identifying him, should be added. The name of only
one person may be entered as payee, except in the case of
firms or corporations, whose usual designation must be
given.
A money order payable to a Government official, bank
manager, or an editor of newspapers, etc in his public
capacity, should contain the designation and not the name of
the person for whom the order is intended. If the payee of a
money order is illiterate, it will be necessary for him to
make his mark on the money order in the presence of a
witness whose signature must be obtained on the order.
You can alter the address or place of payment of the money
order
The remitter of a money order which has not been paid may
request that the address of the payee shall be altered or
that the name of post office at which the order was
originally made payable, shall be changed. The required
change will be made without additional charge on the
remitter applying in writing to the Post Office at which the
order was issued and producing the receipt and giving full
particulars of the payees address as entered in the money
order.You can alter the payee’s name too.
The remitter of a money order which has not been paid may
require that the amount be paid to some person other than
the payee named in the order. The required change will be
made, on payment of a second commission equal to the first,
on the remitter applying in writing to the post office at
which the order was issued and producing the receipt and
giving full particulars of the payee’s address as entered in
the money order.
You can even stop the payment if you feel so.
The remitter of a money order which has not been paid may
stop payment and require that the money be repaid to
himself. This will be done without additional charge on the
remitter applying in writing to the post office at which the
money order was issued and producing the receipt and giving
full particulars of the payee’s address as entered in the
money order. Payment can be stopped by telegram if the
remitter pays the telegram charges. In no case however will
the Post Office be responsible for inability or failure to
stop payment of a money order in compliance with the
remitter’s request.
Disposal of detained or refused money orders:-
If the payee of a money order cannot be found or if the
payee refuses to take payment on presentation of the Money
order to him, the amount of the money order will be returned
at once to the remitter free of charge:-
Provided that if the payee while refusing to take payment on
presentation of the money order to him, makes an application
in writing to the post office of delivery for the detention
of the money order or if the payee is not found at the
address given on the money order, the money order will be
detained in the post office for a period not exceeding seven
days from the date of its presentation to the payee or from
the date it is sent out for payment as the case may be. If
the payee fails to take payment of the money days, the money
order will be returned to the remitter on the first working
day immediately following the expiry of the said period of
seven days. The commission will in no case be refunded.
Void Money Order
If payment of a money order to the payee cannot be effected
and the amount cannot be repaid to the remitter owing to the
latter not being found, the order will become void and its
value be credited to the Central Government. But if the
payee or remitter subsequently applies for payment, the
amount of the order will be paid to him on the authority of
the Postal Accounts Officer provided that application is
made before the expiration of one year from the date of
issue of the original order: Provided that the amount of a
money order other than a V.P. money order shall be repaid to
the remitter in case the payee is dead.
Provided further that where the remitter or, in case of a
V.P. money order the payee, is dead, the amount of the money
order or money orders up to one hundred rupees shall be paid
to the claimant on his executing a personal indemnity bond,
and for amounts exceeding one hundred rupees, and indemnity
bond with one surety shall be obtained from the claimant.
Exception:-In the case of money orders issued from field
post office and family allotment MOs remitted on behalf of
seamen working on Indian merchant ships, the limit of time
for making such an application shall be two years.
Transmission of Money Order
All money orders are carried by air like letters and
postcards without any surcharge wherever such a conveyance
is available and is advantageous.
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