Section 15 in RSWC Employees General Provident Fund Regulations, 1990
15. Advance from the Fund.
(1)The appropriate sanctioning authority may sanction payment to any subscriber of an advance (in whole rupees) not exceeding three month's pay or half the amount standing to his credit in the Fund, whichever is less, for one or more of the following purposes :-(a)to pay expenses in connection with the illness or a disability, including where necessary, the travelling expenses of the subscriber or any person actually dependent on him.(b)to meet the cost of higher education including where necessary, the travelling expenses of the subscriber or any person actually dependent on him in the following cases, namely:(i)for education outside India for an academic, technical, professional or vocational course beyond the High School stage, and(ii)for any medical, engineering or other technical or specialised course in India beyond the High School stage, provided that the course of study is for not less than three years.(c)to pay obligatory expenses on a scale appropriate to the status which by customary usage the subscriber has to incur in connection with marriages or other ceremonies of himself or of his children or of any other personal actually dependent on him:Provided that the condition of actual dependence shall not apply in the case of a son or the daughter of the subscriber :Provided further that the condition of actual dependence shall not apply in the case of an advance required to meet the funeral expenses of the parent of a subscriber.(d)to meet the cost of legal proceeding instituted by the subscriber for vindicating his position in regard to any allegations made against him in respect of any act done or purporting to be done by him in the discharge of his official duty, the advance in this case being available in addition to any advance admissible for the same purpose from any other Corporation source :Provided that the advance under this sub-clause shall not be admissible to a subscriber who institutes legal proceedings in any court of law either in respect of any matter unconnected with his official duty or against Corporation in respect of any condition of service or penalty imposed on him.(e)to meet the cost of his defence where the subscriber is prosecuted by Corporation in any court of law or where the subscriber engages a legal practioner to defend himself in any enquiry in respect of any alleged official misconduct on his part.(2)An advance shall not except for special reasons to be recorded in writing be granted to any subscriber in excess of the limit laid down in sub-rule (1) or until re-payment of the last instalment of any previous advance.Note. - (1) Sanctions for the grant of loans out of Provident Fund. - Amount may be sanctioned in the Form No. 6 for specified objects mentioned in Rule 15.(2)The Provident Fund money is primarily intended for the welfare of the family of the employee and diversion of that money for other purposes would defeat the intention. It is to say that withdrawal/temporary advances from Provident Fund for the purpose of investing the amount in the National Defence Fund/Bonds etc. etc. shall not be permitted by the authorities competent to sanction advances from Provident Fund.(3)Advance may be granted in the following types of cases provided the employees of the Corporation apply in writing for the same within three months from the date of the occurrence of the event :(i)Where the advance is desired for repayment of a debt which the employee of the Corporation has incurred on account of any of the purposes specified in Rule 15.(ii)Where the employee of the Corporation has applied for the advance for any of the purposes enumerated in the rule i.e. before the occurrence of the event but the sanction for the grant of advance was not communicated till the occurrence of event for which advance was asked for.(4)Final withdrawals of accumulations in the fund may also be permitted in the aforesaid types of cases subject to conditions laid down under the rules and in para 2 above.
