E- Money Order
• E- Money order is defined as an order issued by the Post Office for
payment of a sum of money through the agency of the Post Office. E
MO facilitates the transmission of Money Orders electronically from
one Post Office to another.
• The ‘Remitter’ is the person who sends the money order and the
‘payee’ is the person named in the money order to whom the money
order is to be paid.
Types of E-MO
• Service MO – Amount remitted by Postal Department to its employees
or to any member of public without any limit.
• Value Payable MO (VPMO) – This service intends to cater the needs of a
Customer who wishes to collect certain amount for the article sent by
him/her to another person at the time of delivery through Money
Order. Any individual who wishes to collect money will fill a Value
Payable Money Order Form which will be sent along with the VP article
to the office of destination for remittance of VP amount. Amount
collected on deliveryof VParticle is remitted to the sender through the
VP MO system
Types of E-MO
• Family allotment M.O - Money order remitted by the Defense
Authorities and payable to the family members / dependents of
Defense Personnel.
Limits of a single MO and
commission
Type of money order Minimum Maximum Rate of commission
Ordinary money order 1 5000 Re.1/- for value of ₹20/-
or part there of
VP money order 1 5000 -Do-
Family allotment money 1 5000 6% of value
order
Service money order 1 No Limit No commission
MOs payable to Prime Minister’s Relief Fund and National Defense
Fund are transmitted free of cost (Commission exempted).
Booking of E-Money Order
• The remitter of a E-Money Order or his/her agent presents the MO
form duly filled in along with cash (Value + Commission) at the Point-
of-sale counter of the Post Office. Remitter or his agent should furnish
the following particulars in the E-Mo form.
• Value of the money order in words and figures.
• Remitter/Payee’s name and address clearly and completely.
• Remitter or his/her agent has to sign with date. The left-hand thumb
impression is obtained in the space meant for signature of payee
incase of illiterate remitter.
• Communication code or customized communication.
The counter PA performs the following checks on
the money order presented and books the E MO in
the POS application.
• Proper form isused.
• It is filled in ink or ball point pen.
• The amount is written in words and figures.
• The amount is within the prescribed limit.
• The name and address of the Remitter/Payee is noted clearly and completely with PIN Code.
• The Money Order form is signed by the remitter or his agent with date.
• The Money Order is not made payable to more than one person.
• The Money Order is not addressed to C/O Post Box No.
• The Money Order is not addressed to a fictitious or indefinite address.
• The Money Order form is written in English/Hindi or regional language of the Dist. of office
of issue
• After booking , copy of the receipt will be given to the customer and
one copy will be pasted on the e-MO form. Duly impressing the date
stamp and after putting the PA signature E MO form will be presented
to Supervisor for verification
Authorization of eMOs:
• The Point-of-sale PA will forward the eMO pay-in-slip, with one copy of the receipt pasted
on it and affixing his/her initials.
• The Supervisor can verify the details and Authorize, if entries are correct. If, however, the
entries are not correct, the Supervisor can Modify and make required changes. But the
Supervisor cannot modify the MO amount.
• Once the Supervisor authorizes the eMO, he/she has to complete official entries
onthepay- in-slip like impressing the oblong MO stamp and signing. Thereafter, the eMO
slip has to be preserved for a period of 18 months.
• Prompt authorization will ensure early transmission and payment. Once the eMO is
authorised by the Supervisor it cannot be cancelled.
• Once the eMOs are authorized, the message will be transmitted further to the eMO
payment office.
• The eMO status can be tracked in the India Post web site.
