. What is CRES ?

A. CRES is a scheme which enables a person to pay an advance to CESC Limited for a specific Low Tension (LT)
consumer number for automatic adjustment with future monthly electricity bills. Interest @6% will be credited to
the CRES A/c on the 1st day of the succeeding month and will be available for adjustment against the electricity
payment of bills falling due during the month.

Q. What is the full form of CRES?

A. C - Convenience - The monthly electricity bill amount of the consumer is automatically paid up by adjustment
against the credit balance in the CRES account. No standing in queue to pay the bills.

RE - Returns - The CRES balance earns interest @ 6% p.a. credited annually.

S - Security - Secured against future supply of electricity.

Q. Who can apply for CRES?

A. Applications can be made by Resident individuals, Groups of persons, Domestic Companies and others against a
specific LT consumer number . Applications from foreign nationals and on behalf of minors will not be
accepted.The payer need not be a consumer.

Q. What is the minimum amount that can be advanced under CRES?

A. Rs.5000/-.

Q. What is the maximum amount that can be advanced under CRES?

A. Sixty times the last monthly electricity bill or Rs.5000/- whichever is higher.

Q. Can additions be made to the advance?

A. Additions can be made to the existing CRES A/c for a minimum of Rs.3000/- and in multiples of Rs.1000/-
thereafter.

Q. What will be the interest rate and how is it calculated?

A. Unadjusted advance balance under CRES will carry an interest of 6% p.a. The interest will accrue from the date
of credit of funds to CESC account and will accrue monthly on the first working day of every subsequent month.
A minimum balance of Rs.100/- is to be maintained in the account for availability of interest/bill adjustment. The
interest will get credited to the CRES A/c for adjustment against electricity bills.

Q. Will tax be deducted at source?

A. Tax will be deducted at source only if the amount of interest credited to the CRES A/c exceeds Rs.5000/- in a
financial year.

Q. When did the Scheme come into effect?

A. The Scheme started from March 1, 2002.

Q. Where will the application forms be made available?

A. Application forms for CRES will be available as mentioned below:

Contact person:
Senior Commercial Executive

Central Regional Office

CESC House
Chowringhee Square
Kolkata 700 001
 South Regional Office
6 Mandeville Gardens
Kolkata 700 019

North Regional Office

225 A&B Acharya Prafulla Chandra Road
Kolkata 700 004

South West Regional Office

P-18 Taratalla Road
Kolkata 700 088

Howrah Regional Office

433/1 Grand Trunk Road (North)
Howrah 711 101

North Suburban Regional Office

32 B T Road (Opposite Sagar Dutta Hospital)
Kolkata 700 058

For home delivery of Application Forms dial 1912 informing the address where the application form is to be sent
or click here to submit your requirement on line.

Q. Where can the applications be deposited?

A. Applications duly filled up may be deposited at 17 branches of United Bank of India and 5 branches of UCO
Bank.There are 4 addl. centres for cheque/demand draft only (details of branches & addresses mentioned in the
current Application Form).

Q. How are abatements to be dealt with?

A. During the currency of the CRES Account if any abatement/adjustment is allowed in respect of the earlier bill
already adjusted through the CRES Account then such adjustment would be given effect to from the due date of
the respective bill for the purpose of interest calculation.

Q. Will the Security Deposit be adjusted also?

A. No, only net monthly electricity consumption bill will be adjusted.

Q. Is nomination facility available?

A. Nomination facility will be available for individual payers only. For this purpose, the payer will have to fill in the
nomination particulars contained in the application form. In case of death of the payer the nominee would receive
the unadjusted balance in the CRES Account including interest, if any, on production of relevant death certificate.

Q. What are the documents to be attached with the application form?

A. A photocopy of the electricity bill of the consumer for which adjustment is being asked for is to be attached with
the application form. The attached bill should not be earlier than two months from the date of application.

Q. Can advance be made in cash?

A. Cash advance will be accepted upto a maximum limit of Rs.19,000/- at a time at certain Bank collection centres
only (all UCO Bank branches and 3 UBI branches mentioned in detail in the Application Form).

Q. What is the proof of advance?

A. An acknowledgement of receipt of application would be given across the counter at the collection centres. The
company's service provider to the Scheme M/s Tata Consultancy Services (TCS) will issue statement within 15
 days of credit of funds to CESC Account intimating the CRES account number to the payer and the exact month
from which the adjustment would start.

Q. How will the payer get informed about the CRES Account?
A. A statement will be issued by TCS every quarter showing the detailed operations in the account including interest
credited, and amount of electricity bill adjusted, and the closing balance in the CRES Account at the end of the
quarter. The unadjusted credit balance in the CRES Account before adjustment for the month will also get
reflected in the monthly electricity bills.

Q. Can the advance be withdrawn / What happens if the consumer gets transferred?
A. The advance can be withdrawn under special circumstances like cessation of consumer.

Q. Who will address specific CRES query after submission of form?

A. Tata Consultancy Services
SDF Building, Third Floor
Salt Lake Electronics Complex
Block EP & GP, Sector - V,
Bidhan Nagar, Kolkata 700 091
Telephone No. : 033-23339708
E mail : kolkata.cesccres@tcs.com