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IBA approved packers movers bill 2026bank transfer relocation claim documentsdefense shifting bill claimIBA Claim

How Bank & Defense Employees Can Claim 100% Transfer Allowance in 2026

Written by: SumanReviewed by: Naveen Choudhary2 min read
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When bank officers (SBI, PNB, Central Bank, HDFC), defense personnel (Army, Air Force, Navy), or PSU employees undergo official transfer, claiming 100% relocation reimbursement requires submitting fully compliant, verified moving documentation. Failing to attach genuine bills results in delayed claims or heavy deductions. Here is the complete document roadmap provided by Apna Cargo & Movers.

1. The 4 Mandatory Documents Required for Relocation Claims

To ensure 100% claim approval without audit objections, submit these 4 essential documents:

  • 1. Official GST Tax Invoice: Must feature active 15-digit GSTIN (Apna Cargo GSTIN: 03DHEPK1882E1ZM) under SAC Code 9965/9967.
  • 2. IBA-Compliant Consignment Note (Lorry Receipt - LR/Bilty): Serial-numbered bilty containing driver details, truck registration, itemized box count, and pre-printed terms.
  • 3. Govt. MSME Registration Certificate: Official registration proof under Govt. of India Udyam (UDYAM-PB-20-0139405).
  • 4. 100% All-Risk Transit Insurance Certificate: Authentic policy document issued by a recognized insurer in the employee's name.

2. Verified Employer Coverage

Our IBA-compliant moving documentation is accepted across top public and private sector institutions:

  • Banking Sector: State Bank of India (SBI), Punjab National Bank (PNB), Central Bank of India, Bank of Baroda, HDFC, ICICI.
  • Defense & Armed Forces: Indian Air Force Stations, Army Cantts, Naval Commands, Military Bases, CRPF & BSF Hubs.
  • PSUs & Govt. Depts: BHEL, NTPC, Railway Board, Postal Department, State Secretariats.

3. Step-by-Step Claim Submission Workflow

  1. Pre-Move Survey: Get an official pre-move written quotation set.
  2. Shifting Execution: On packing day, receive your numbered consignment note (LR Bilty) and itemized inventory packing list.
  3. Final Billing: Receive the original GST Tax Invoice upon delivery.
  4. Reimbursement Filing: Submit the complete 4-document set to your HR / Accounts department for 100% claim settlement.

📄 Transferred and Need Official IBA-Approved Claim Bills?

Contact Apna Cargo Operations Desk: +91 98889 28898 | Email: info@apnacargo.com

Frequently Asked Questions

Q. What is the cost of house shifting in your city?

A. The cost of house shifting ranges from ₹4,000 to ₹18,000 for local moves (1 BHK to 3 BHK) and ₹12,000 to ₹55,000 for long-distance intercity moves depending on the volume of goods.

Q. How long does relocation take?

A. Local relocations are completed on the same day within 4 to 8 hours. Intercity shifting can take anywhere between 2 to 7 days depending on the travel distance.

Q. Is transit insurance available?

A. Yes, Apna Cargo & Movers offers comprehensive transit insurance (typically 1.5% to 3% of declared goods value) to cover accidental loss or damage during shipping.

Q. Are packing materials included?

A. Yes, our quotation includes high-quality packing materials such as bubble wraps, carton boxes, adhesive tapes, foam sheets, and plastic stretch films.

Q. How can I get a free quote?

A. You can instantly generate a quote using our online calculator at /get-quote, WhatsApp your requirement list to +91 98889 28898, or request an in-house survey.

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Verified Author & Logistics ExpertE-E-A-T Verified
ISO 9001:2015 & IBA Claim Verified
NK

Written by Naveen Kumar

Senior Relocation & Logistics Consultant•12+ Years Industry Experience

Naveen has personally supervised over 5,000+ residential, corporate, and defense relocations across India. Specializing in IBA-approved documentation sets, interstate fleet management, and anti-fraud shifting verification guides.

Core Expertise:✓ IBA Approved Invoices✓ Interstate Fleets✓ Anti-Fraud Advisory✓ Home Shifting
Govt. MSME: UDYAM-PB-20-0139405 • GSTIN: 03DHEPK1882E1ZM
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