PENSIONERS EMAILS & FEEDBACK FROM 1 May 2018: SERIES No 173 & 174

1)Chairman & Managing Director,                    

Union Bank of India,

Central Office,

Mumbai.

 Sub:     Issues affecting employees ..

 We draw your kind attention to  the captioned subject and wish to place the following for your information and perusal;

 1)    Staff Welfare Measures:

We draw your attention to our letter GS/1/ 136/18 dated 4th April 2018 addressed to your office. Despite elapse of 3 weeks, neither had we received any reply nor do we observe any tangent initiatives from the Bank to address the issues flagged by us. It is unfortunate that Bank has unilaterally suspended the staff welfare measures without even talking to us despite we being important stake holders. Such unilateralism is unwarranted and will only lead to unrest on account of provocation. When Bank without any restraint is freely spending on all matters including purchase of new cars and holding functions & conferences as can be seen, then there is no justification for the Bank to withhold the Staff Welfare Measures that are actually aimed in providing relief to many staffs. Hence we demand that Bank should convene the staff Welfare Committee immediately to review the last year status and decide appropriately to continue staff welfare measures as per our understandings with us and as conveyed in our above referred letter to your office. We hope your office will direct for an early meeting   without any further delay.

2)    Gratuity Law Amendment; :

IBA had already circulated the recent amendments to Gratuity Act and also directed the Banks to pay revised Gratuity to eligible employees who will be leaving/ retiring from the services of the Bank from 29thMarch 2018. While many Banks have started implementing the same our Bank is yet to issue the circular. We hope that Bank will release the circular and direct the concerned department to pay the gratuity difference to eligible employees without any further delay so as to avoid dispute and interest claim etc. This needs to be done in a definite time line and we request the Bank to do the needful at the earliest.

3)    Supreme Court Judgment on Pension related matters:

Hon. Supreme Court has awarded judgment on 1) extension of notional 5 years of service to Specialist Officers who retired  from services without completing 33 years of service 2) extending Pension option to CRS Employees and 3) Removing the anomaly on account of fixing  pension  on 1616  CPI instead of 1684 .

  The IBA had already forwarded these judgments to all the Banks and directed them to implement the same. You are aware that the above judgments need to be implemented within a time line to enable the retired employees to apply wherever need be and get the benefits. In case of 3rd category the Hon Supreme court has directed to implement the same within 4 months from the date of judgment that too with payment of interest @ 9% from the date of effect of revision in Pension. We understand that Bank is yet to take up the matter to its board although the same is not necessary and this will delay the implementation of the judgment beyond the timeline prescribed by the court. We observe that such delay will create unrest among the retirees besides making them raise disputes. Hence we request the Bank to take up these issues seriously and implement the same.

 We are sure your office will take our placements in the right perspective and initiate steps to do the needful with no delay.

 A line of rely shall be appreciated.

 Thanking you,

 Yours truly, (N. SHANKAR)

General Secretary.

 2)Respected Sir , This question is coming up for discussion every April and in May, because of usual Holidays around 1st and 2nd. OF EACH OF THESE MONTHS

It is not that pensioners do not have funds and they are not poor creatures who look for pension to be paid each month. 

 The question is .. PENSIONER ARE NOT SECOND RATED CITIZENS.ALL ALONG FOR ABOUT 30 TO 35 YEARS THEY ARE USED TO GET PENSION ONE WORKING DAY PRIOR TO THE 1ST.BUT, ALL OF A SUDDEN, AFTER 30 - 35 YEARS OF A CONTINUOUS HABIT THEY  SLIP INTO A NEW HABIT OF LOOKING FOR THE FIRST TO DAWN.

USUALLY APRIL PENSION IS GOT ON 3RD OR EVEN ON 4 TH APRIL. MAY PENSION IS GOT ON 2ND MAY ONLY, 1ST BEING MAY DAY.

THIS MAY, IN NELLORE DIVISON, PENSION IS NOT CREDITED ON 2ND TOO.  SOME DIVISIONS ARE CREDITING ON 30.4. ITSELF.

WHY THERE CANNOT BE A COMMON DATE SIR.  Payment of pension is not any mercy showered on the clan of oldies.

I think Sir this is a matter to be taken up by us, Pensioners.

With regards ,------BVS PRASAD IT IS NOT  ANY MERCY

3)Respected Pensioner Colleagues,   Namaskar.  Being elders, with good amount of experience andknowledge, we could analyse the happenings around us and identifywhich one benefits us all and which one misleads. We are aware thatthe two-decades-delay, in getting the final favourable orders from theApex Court, gives grounds for such misgivings, which at times bafflesus. Let us think over some of those misguiding counsels compared withour steadfast actions taken by our AIRIEF, under the able leadershipof our veteran activists and the expert legal guidance of our presentSr. Counsel.      There is a suggestion that all the organisations of pensionersrepresenting all public sector undertakings should unitedly meet UnionFinance Minister, PM and MPs and apprise them of our years-longplight,and that chances are bright for them to consider to redress ourgrievance due to fast approaching General Elections for Parliament. Wetried our best to convince them and they were also liberal inpromising us, orally , that they would allay our difficulties, oncethe government is formed. but they proved that they are realpoliticians. Sri. C.H.Mahadevan has rightly pointed out that solutionto our problem does not lie with election gambling. It appears thatHeads of PSUs  --  LIC of India, IBA, etc  -- are advised not to takeany monetary decision without obtaining prior approval of Centralgovernment. This position applies to RBI too. Negotiations forincreased  wages are also dragged on and working employees of PSU havestarted tasting the pinch of it. I wish to leave it to the imagine ofour esteemed pensioner colleagues to decide on the suggested attemptof approaching MPs, FM and PM amidst this dubious situation

   There is also a systematic and calculated allegation against ourAIRIEF that it mainly fights for 100% neutralization of DR,whichbenefits only  a marginal section of pensioners (those retired before01-08-1997), and not for periodical revision of pension covering allthe pensioners. Some even propagate that the prayer of AIRIEF isnothing but claiming 60% of balance DR as interim relief. Are we tobelieve this mischievous misgiving ?  They try to mislead our membersand sabotage our sincere attempts in securing the twin benefits. Timeand again we have been explaining to our members through periodicalDivisional level meetings, WhatsApp messages, Official e-mailcirculars, Official website of AIRIEF and Sri. R.K.Sahni's Pensioners'Voice Blog. The contents of our Affidavits and Rejoinders filed inSupreme Court speak well of our determined fight on Twin Demands  --cent percent neutralization of DR and revision of pension at par withthe wages of in-service employees. Just because of our strong demandfor revision of pension, LIC / UOI submit their replies with falsefigures that they cannot grant revision due to paucity of funds, etc.Why should our management and UOI argue in Delhi HC and SC againstpayment of revision of pension,when there is no such demand for thesame from any of our Organizations, as blamed ?  I would only requestyou to believe that our AIRIEF fights, tooth and nail, for winning theKuruchetra War at any cost.   Our General Secretary, Sri. G. Krishnaswamy issues periodicalcirculars for the benefit of our members. They cover details about ourtwin demands, minute war developments in court cases, meetings ofExecutive Committee, Office Bearers and Legal Committee,etc. At shortintervals, our President, Sri. S.S.Saxena communicates importantdevelopments through circulars. Our Vice President Sri. R.B.Kishorehas made it a habit to bring all important matters, for the benefit of pensioners, through e-mail circulars.   Not only AIRIEF but also all other sister Associations &Federations too are fighting for the Twin Demands. Veteran activistsoutside of our Federation are contributing valid legal clues to behandled during arguments to rebut the imaginary classes of laws andcontradictory financial status. Sri. C.H.Mahadevan has challenged thefigures submitted by LIC / UOI in HCs & SC. He has also moved to getthe correct figures through RTI. We should thank both Sri. CHM andSri. R.K.Sahni for working together in ascertaining the actual figuresof all cadres of pensioners and position of funds with LIC undervarious heads. Our Legal Committee has never failed to take note ofthe comments of these gems and periodical suggestions of Sri. R.B.Kishore, Vice President, AIRIEF. The write ups of M/SR.K.Viswanathan, G.K. Viswanathan, CHM and other noteworthy

activistsdo help us a lot in tuning our ' Rejoinder '.  Should we not begrateful to our leaders and the members in the Legal Committee forrendering their selfless service in drafting our Affidavits, Repliesand Rejoinders and feeding the details of the case to Sr. Counsels.Special mention should be made about the efforts of our President,Sri. S.S.Saxena, Vice-Presidents, Sri. R.B.Kishore & Sri. PramodBhatnagar, LC member Sri. M.P.Agnihotri and others in steering ourcase with the sole aim of winning on both the demands in favor of theentire community of pensioners.Legal Fund :-

   Our President, Sri. S.S.Saxena, Vice President, Sri. RBK  and ourGS, Sri, G.Krishnaswamy, have discussed elaborately about our legalexpenses incurred all these months at Delhi and the urgency to floatsufficient legal fund. We are aware that even for a small petty case,people have to wait for years together and spend thousands till thedisposal of it. For a case at HC, we have to shell out lakhs. Imagine,the expenses to be incurred towards a litigation at SC !  Certainly,the litigants should carry fat purses. Our leaders and LC membersshould meet several times to pool up vital legal documents to bepassed on to our Advocate Sri. R.K.Singh. With selected documents andallied legal materials gathered, we have to meet our Sr.Counsel, everytime ahead of dates listed in the court. It is customary that we haveto pay to our Sr.Counsel if he is requested to attend the court on thedate of hearing, whether hearing takes place or not. LIC / UOI spendsfrom LIC funds and engages Sr.Counsels / Attorney Generals with theonly motive of securing adjournments and thereby discouraging us. Butwe are sure that one day or other, we will be showered with "JUSTICE".We are determined to give a befitting fight till the last. All thepensioner-organizations also are of the same mood. Hopes have come toall organizations that we could convince the SC this time duringJuly-August hearings and come out with a favorable orders. So,friends, let us not loose our fight for want of legal fund. As we havenow engaged an expert senior most lawyer, the fee for him naturally bet the higher side. Please do not hesitate to donate towards legal fundliberally without being reminded and prompted. This is the last leg ofour fight.

1. Do not pay heed to unnecessary gossips and misgivings.2. AIRIEF is marching towards the winning post with upright chest.3. Speed up your maximum contribution towards legal fund through your        Divisional Units.4. Please bear with me for this lengthy message.5. Await feedback from our member-readers

Fraternally Yours, -----M.P.Subrahmanian, RIEA, Madurai ( Now ) at Chennai.

4)Sadguru  ADVICE TO 60-YEARS OLD & OLDER* Must read ...

*Because none of us have many years to live, and we can't take along anything when we go, so we don't have to be too thrifty.* 

*Spend the money that should be spent, enjoy what should be enjoyed, donate what you are able to donate*

*DON'T WORRY about what will happen after we are gone, because when we return to dust, we will feel nothing about praises or criticisms. The time to enjoy the worldly life and your hard earned wealth will be over!*

*DON'T WORRY too much about your children, for children will have their own destiny and should find their own way.  Care for them, love them, give them gifts but also enjoy your money or what is left of it, while you can. Life should have more to it than working from the cradle to the grave!!*

*60-year olds, don't trade in - your health for wealth, by working yourself to an early grave anymore. Because your money may not be able to buy your health.*

*When to stop making money, and how much is enough*              

*Out  of thousand hectares of good farm land, you can consume only three quarts (of rice) daily; out of a thousand mansions, you only need eight square meters of  space to rest at night.*

*So, as long as you have enough food and enough money to spend, that is good enough. You should live happily. Every family has its own problems.*

*Just DO NOT COMPARE with others for fame and social status and see whose children are doing better etc., but challenge others for happiness, health, enjoyment, quality of  life and longevity.*

*DON'T WORRY about things that you can't change because it doesn't help and it may spoil your health.*

*You have to create your own well-being and find your own place of happiness. As long  as you are in good mood and good health, think about happy things, do happy things daily and have fun in doing, then you will pass your time happily every day.*

*One day passes WITHOUT happiness*, *you will lose one day.**One day passes WITH happiness and then you gain one day.*

*In good spirit, sickness will cure*;*In a happy spirit, sickness will cure faster;**in high and happy spirits, sickness will never come.*

*With good mood, exercise, sun, variety of foods, good amount of vitamin and mineral intake, hopefully you will live another 20 or 30 years of  healthy life*

*ABOVE ALL* -Learn to cherish the goodness around... *like your spouse , she’s not called the better half for nothing and FRIENDS*........... *They all make you feel young and "wanted"... without them you are sure to feel lost !!*

Wishing you all the best for the years to come.  💐🙏🔔

Please share this with all your friends who are 60 plus  and those who will be 60 plus  after some time.

5) Couldn't stop myself from forwarding this Excellent message .. 

A bus full of passengers was traveling while. suddenly the weather changed and there was a huge downpour and lightening all around.

They could see that the lightening would appear to come towards the bus and then go elsewhere.

After 2 or 3 horrible instances of being saved from lightening, the driver stopped the bus about fifty feet away from a tree and said -

"We have somebody in the bus whose death is a certainty today."

Because of that person everybody else will also get killed today.

Now listen carefully what I am saying ..

I want each person to come out of bus one by one and touch the tree trunk and come back.

Whom so ever death is certain will get caught up by the lightening and will die & everybody else will be saved".

They had to force the 1st person to go and touch the tree and come back.

He reluctantly got down from the bus and went and touched the tree.

His heart leaped with joy when nothing happened and he was still alive.

This continued for rest of the passengers who were all relieved when they touched the tree and nothing happened.

When the last passenger's turn came, everybody looked at him with accusing eyes.

That passenger was very afraid and reluctant since he was the only one left.

Everybody forced him to get down and go and touch the tree.

With a 100% fear of death in mind, the last passenger walked to the tree and touched it.

There was a huge sound of thunder and the lightening came down and hit the bus - yes the lightening hit the bus, and killed each and every passenger inside the bus.

It was because of the presence of this last passenger that, earlier,the entire bus was safe and the lightening could not strike the bus.

LIFE LEARNING from this..

At times, we try to take credit for our present achievements, but this could also be because of a person right next to us.

Look around you - Probably someone is there around you, in the form of Your Parents, Your Spouse, Your Children, Your Siblings, Your friends, etc, who are saving you from harm..!

Think About it..

You will surely find that Person..!!Beautiful Lines 

    ''Alone I can 'Say' but     together we can 'talk'.

    'Alone I can 'Enjoy' but 

    together we can     'Celebrate'. 

    'Alone I can 'Smile' but     together we can 'Laugh'.

    That's the BEAUTY of     Human Relations. 

    We are nothing without     each other 

    Stay Connected😊

6)You do not have to shake the gas cylinder to know the level of its content.

     Just wet a side of the cylinder with water.      After a while the used top part will be dry and the lower part with gas will remain wet.      The wet portion tells you the amount of gas left.      Most times we shake our gas cylinders to check if it is finished or not.      That is a very dangerous thing to do.      It could be suicidal.     Kindly share this with friends and family.

---------------------------------------PRamanathan

7)How to file Income Tax Returns ( ITR )?

The deadline to file IT returns for FY 2017-18 is on July 31, 2018. E-filing is super easy & It takes only 5-7 minutes.

Filing your income tax return is not as difficult as it may sound. Here is a step by step guide to e-file your income tax return. It is simple, easy and quick

Before we get started, you should have the following documents at hand to pace up the process:

List of Required Documents for e-filing of tax returns

It is always good to stay a step ahead, especially when it comes to tax filing. The checklist provided below will help you to get started with the e-filing of tax returns.

General details:

Bank account detailsPAN NumberReporting salary income:

Rent receipts for claiming HRAForm 16Pay slipsReporting House Property income:

Address of the house propertyDetails of the co-owners including their share in the mentioned property and PAN detailsCertificate for home loan interestDate when the construction was completed, in case under construction property was purchasedName of the tenant and the rental income, in case the property is rentedReporting capital gains:

Stock trading statement is required along with purchase details if there are capital gains from selling the sharesIn case a house or property is sold, you must sought sale price, purchase price, details of registration and capital gain detailsDetails of mutual fund statement, sale and purchase of equity funds, debt funds, ELSS and SIPsReporting other income:

The income from interest is reported. In case of interest accumulated in savings account, bank account statements are requiredInterest income from tax saving bonds and corporate bonds must be reportedThe income details earned from post office deposit must be reported

STEP 1. Register yourself

To e-file your income tax return, you will have you register on the Income Tax Department’s online tax filing site (incometaxindiaefiling.gov.in). You have to provide your permanent account number (PAN), name and date of birth and choose a password. Your PAN will be your user ID.

STEP 2. Choose how you want to e-fileThere are two ways of e-filing your income tax return. One is to go to the download section and select the requisite form, save it on your desktop and fill all the details offline and then upload it back on the site. Or you can choose to fill the form online by selecting the quick e-file option.

STEP 3. Select the requisite form

ITR-1: For individuals earning a salary, pension, or income from property or sources other than lottery.ITR-2: For those earning capital gains. ITR 2A for those owning more than one house but no capital gains.ITR 3, 4 and 4S: Professionals and business owners.

STEP 4. Keep the documents ready

Keep your PAN, Form 16, interest statements, TDS certificates, details of investments, insurance and home loans handy. Download Form 26AS, which summarises tax paid against your PAN. You can then validate your tax return with Form 26AS to check your tax liability.

If you earn more than Rs 50 lakh, from this year you will have to fill an additional column —”AL” or assets and liabilities. You will have to disclose the value of your assets and liabilities. Assets have to be declared at cost.

STEP 5. Fill form and upload

If you choose to fill the form offline, after you have downloaded the form and filled all the details, click on ‘generate XML’. Then go to the website again and click on the ‘upload XML’ button. You will have to first log in to upload the XML file saved on desktop and click on submit.

STEP 6. Verify ITR V

On submitting your ITR form, an acknowledgement number is generated. In case the return is submitted using digital signature, you just have to preserve this number. If the return is submitted without a digital signature, an ITR-V is generated and is sent to your registered email ID.

The tax filing process is incomplete and ITR is invalid unless your ITR V is verified. You can electronically verify or mail the signed ITR V to the processing centre.

8)Dear Friends, i)It is reported in RK Sahniblog that Shri PN Srivastava Gen Secy of Kanpur unit of AIRIEF passed away 12-05-2018 and that cremation was arranged at Kanpur.

He was writing letters and mails to LIC CO on various matters and on mediclaim scheme in particular.

AIRIEF sends its condolences to the bereaved family and prays for his soul to rest in peace.

As we get more details we will share with you.

Mournfully,------G Krishna Swamy GS   AIRIEF

ii)It is very sad. He had been a very strong pillar of AIRIEF. Kindly convey our heartfelt condolences to the brewed family. ------ A K Shukla

iii)Sri PNSrivastava Kanpur is no more, a Giant Activist falls, we  the Losers

1)News of  death is always sad,more so ,when it is of Pensioners fraternity , it is shocking.

Elders & Sr Citizens contribution to  Institution,Society  & Nation is all important & significant .Data & Statistics are reeled out on & off by Govt & Elders Organisations,many working for their cause, welfare & progress.Sr Citizens ConFederation is a recognized body with a Vision & Mission Statement.All  Regions of India are covered  & time to time, Review Meetings are held.Govt pays lipservice to Seniors & adopts different standards & yardsticks to deal with multiple issues of serious concern for their progress.

2)Unnecessarily,Govt even forces Pensioners to approach Courts,we are caught in a vicious circle,many succumb during the interregnum of a tortuous legal battle.The death of Veteran Sri PNSrivastava is a shocker for he was a brave, courageous & valiant Fighter for a just cause & always upheld the worth & Dignity of Pensioners in all walks of life.He was looking after Life Insce Pensioners  as also General insce pensioners with same valour & indomitable will power.Never has he retreated from any cause.He was thorough with all subject matters & nuances of pensioners issues & problems.

3)He takes up cause after cause,whatever the deficiencies or wrong done to pensioners,points out in his clearcut direct  communication to Chairman or EDPersonnel or ED EOS with aplomb & distinction.We all & Pensioners community in general owe a deep debt of gratitude  to him for the relentless struggle he was waging to root out the problem causing incalculable damage to pensioners & their families & lives.

4)I recall when S/sri BAngurajan. AIOS, AIRIEF  met then ChairmanSri Dinesh K .Mehrotra ,after fixing an appointment ,alongwith redoubtable GTParikh, Ahmedabad,PNSrivastava,Kanpur ,JKKarulkarMumbai ,presented the issues of pensioners cogently, in the Conference Hall of Yogakshema, for near 90 mts ,enough attention was paid ,for the 1st time, from then only ,all Circulars pertaining to Pensioners or affecting pensioners even remotely, LIC CO commenced to send such emails with attachment for immediate prompt spread of news or flashes etc   .Though Chairman did not agree to constitute a Consultative Committee, he onserved they are ever ready with a short notice to be present & address our concerns.

5)During the thick of High Court cases ,he handled the Allahabad HC case of pensioners on similar lines as of Jaipur,I sent copious material & data relevant to  pinpoint our issue of Loss of DR & Pension, the anamolies perpetrated & he was thankful for the same.As the powerful Sr Advocate,BJP was conducting the case, he was confident some good results will come.

6)His presence in EC/GC meetings of AIRIEF was adorned with  presentation s & ably communicating the agenda with force & conviction both in Hindi & English.as he occupied a reasonable good position in General Insce, I have received thro him & Sri PVVithlani,Ahmedabad their Magazines,emails of happenings, photos etc.Sri SKMohapatra then ED GIC played a cementing role & many times, LIC was taken as a standing example for emulation for resolving their issues in GI Industry  .

Kanpur RIEA was issuing regular Bulletins for many years but for last 2/3 years,I could not receive the valuable Bulletin

7)His death is untimely,he was  a Resource person, for some reasons,his otherwise mixing & mingling with AIRIEF dwindled, NCZ & AIRIEF have lost a knowledgeable ,forward-looking activist who joining hands with others could have galvanized NCZ & enhanced Pensioners prestige & dignity to a higher desirable level.

May his soul rest in peace. We in AIRIEF pay our humble homage to the departed leader.We pray to the Almighty to shower strength & fortitude to bear this irreparable loss

Yours mournfully,-----------RBKISHORE ,VP,AIRIEF   

iv)Sorry to hear about the death of your dear friend. May his soul rest in peace in heaven and guide you all.--------------Kasiviswanathan

v)Dear Sir,Sad to hear of the demise of PN Srivastavaji of Kanpur,who espoused the cause of Insurance Pensioners,till he breathed his last.My hearfeltfelt condolences to the bereaved  family.May his Soul rest in Peace

-----------------MK Balakrishnan

vi)We pray that his atma attain moksha yoga. ---------RSVaradan

9) Subject: UOI's Counter Affidavit1)Respected Sir,  Thank you very much for forwarding the CA of UOI .

*The Index linked Pension Scheme was introduced in 1995 in lieu of thecontributory PF , for which the initial capital was provided by theEmployees  who opted the Scheme & who retired on or before 1995. TheCentral Govt  only framed the Scheme for the benefit of the LIC pensionoptees based on the CG pension Scheme. Without the consent of thePensioners no rules can be inserted or removed as per the provisions ofIndian Contract Act. Since introduction of the Pension Scheme, many timesthe rules were amended , of course for the benefit of the Pensioners. *

*One of the important amendment was , insertion of Rule 3A, which allows100% DR. The CA of UOI agrees that uniformly 0.23% of DR will be given toall the Pensioners irrespective of their date of retirement. It wasforgotten that the rate of 0.23% was for a revised UG pension amount. *

*One can apply this uniform rate of DR to all the Pensioners only afterUpgrading the existing Pension. All Pensioners irrespective of their dateof retirement have the Right in the said Constituted Pension Fund. *

*Any amendment should be beneficial to all the Pensioners according to theJudgements of Honourable SC.. When the retired MDs & Chairmen were givenbetter  pensionary benefits as per CG pension Rules, why not all thePensioners of the same Pension Scheme should not be benefited. The CA ofthe UOI did not touch this aspect. *With your expert guidance, there is no doubt that our legal team willforcefully place the Rejoinder.

With respectful regards ,---------------G Ramamurthi.---------------------------------------------------------------------------------------------------------------------------------

ii)Dear Sir,I studied UOI's Counter Affidavit. In page 6 it is mentioned " It may benoted that the Corporation can determine the rate of DR with reference tothe change of index ............between two dates of wage revision." I amnot a lawyer; but as a lay man *does it not sound that LIC can effectchanges on its own and implement it. In page 9 item X states  "As a result, Central Government employees ...............from 1-1-2004 and aregoverned by NPS rules". Yet CG has thought it fit to update pension forearlier retirees. Does it not look odd that it is denied to similarlyplaced Financial Sector Retirees?*

In this connection I am sure you would have seen CHM's communicationforwarding a letter from one Mr. M.S. Siddhu  about Bank Pension Fund andhow  PU as such will not affect the Finances of the Banks. Straythoughts of a layman.

Thank you and With Kind Regards to you and your wife. Yours-----,SRNagarajan

-------------------------------------------------------------------iii)In my view, the counter affidavit is very weak.

Quoting DHC judgment is not justified as it is against the same judgmentSLPs have been filed.

Calling LIC Pension Scheme  as a self funded scheme is incorrect  as Fundis mandated by Rule 5 of LIC Pension Rules 1995.It has been made obligatoryon the part of the LIC to keep adequate amounts in the Fund for payment ofpension to retired employees and family pensioners.It can only be called anadditionally funded scheme.If it is a self-funded scheme, there is no needfor LIC to set up a Trust for the purpose and administer the same.

As regards the ripple effect in Banks and other public financialinstituitons,it will be inevitable, if the violations of Articles 14 and 21of the Constitution have to be avoided.*

I shall give my other comments also for effectively rebutting the counter.

Kind regards.-------------C H Mahadevan*

10)Extracts from RBK to CHM: You will recall ,sure with nostalgia, the association we had in immersing ourselves in a series of email exchanges ,immediately commencing from May 2010 release of Hon justice Bhandari Judgement on the 2 writs of Sri KMLA.Dire need for understsnding the real import of that historic Rajasthan HC verdict, the data to be collected, the diverse factors involved,the accurate data as best as we can ,the deeper distribution of such data Cadrewise, a more complicated exercise, as we felt some semblance of Statistical Charts & Tables ,after collection, collation, reality check was administered to test reasonable accuracy,almost on daily basis, emails so valuable, a Treasure indeed, more than 110 such emails over a year with mountainous data ,contracted in sensible charts,focussed to reveal meaning & substance to the verdict.

The pressure I exerted on SZ ZMSectl, Pension Cell, sometimes other related Depts F&A,  I  recall with a sense of purpose & dedication to streamline & make Statistics speak truth,if I may say so. Right from 1983 wage Charts, Fitment charts,Figures of Class I,II, III & IV were all pooled for dissection.Umpteen questions & doubts raised by you, we were able to share replies & consolidate in crucible, distilled form .Cobwebs of eternal doubts vanished, confidence implanted & road to Future demarcated.That was the initial Saga of sacrifice lasting long 12/15 months ,providing a strong foothold on control of data,but enabling us all to pinpoint the correctness or hollowness of what LIC states.& disproving the traditional cliche  lies, damnlies & statistics  .

*With this as backdrop, as SZ figures, SZ Cadrewise figures & any other permutations & combinations became simpler & even childs play.Suitable extrapolitions or interpolitions were undertaken in right spirit.

LIC vacillated between a high 21,762,  a moderate 16,498 & corrected 17,963.Figures of pensioners available  AllIndia when I analysed threadbare,reveal that only 1907-2000 pensioners are added on an average Yearly.

All the figures we ,all along these years ,on the basis of reasonable assumptions with reasons, incorporated in ever so many Statements, Tables & Charts,of Pension Anamoly, of Outlay worked out Hly after DR release,all happily converged & not diverged with a small error % perhaps,not to distort conclusions.

 Our traditional 16,500 pre 8/1997 pensioners,stood the test of time & Outlay prepared by Sri RKSahni,after he also had contacts & access with me for the last many years, & the figures testify that Rs 3300cr outlay or Rs 210cr per annum is not only correct , ie 43,200 RP & FP combined till 31/7/2012 eligible for PUpgradation, as LIC also testified as Rs 3123cr perhaps, lower than our estimate for all the pensioners.

*If 1900-2000 pensioners are added, post 8/1997 pensioners can be taken to be 1900-2000 X 20 years till 31/7/2017 ie 40,000 to be added to pre-8/97 pensioners 16,500 ie 56,500Present 31/3/2017 Total pensioners is app 52,500  

If it is 21,762 ,then GT of pensioners will now have to be 21762 +40,000=61,762 too high it looks

If it is 17,963 ,then GT will be +40,000 ie 57,963,also slightly high.

When one looks to the period of LIC Board Resolution dt 24/11/2001 & subsequent LIC workcharts of Board Resolution interpreted, there respectable pre 8/1997 figures, app 16,000 is included

*When I enquired here ZO,DO I,II  etc,they tell me that LIC CO prepared Full list of pensioners, Arrears calculation from DOR to 31/3/2016 as per SC Order & they just followed it & nothing else,for payment of 40 % IR.

Unfortunately, LIC Zones& Divisions will have Pensioners data,adding & subtracting as the case may be  & every Division, in my opinion, must compare LIC CO List supplied for 40% IR settlement ,with their own & find out OMISSIONS  which must reveal the extent of gap& damage,& initiate settlement action of 40% IR  ,communicating to Pensioners Families,with requirements, if any, apart from amount,not in conformity with SC Orders dt 31/3/2016, as you rightly say.

8)Please share the reply & data when you receive response to ur Application under RTI

Greetings & warm regards,---------R.B.KISHORE,VP, AIRIEF

11)We should stress points of discrimination  and fundamental rights besides the point that pension is a right not a charity as per SC remarks. we should leave IR etc it will automatically  be taken care of when upgradation is decided as right to property.  Hope all stake holders will agree to this in the interest of all pensioners and  wish that we fight as one body and with one voice and cooperative effort.   ---- Mssachdeva

12) I have seen the   post  from sri  RK Viswanathan 

  I sent   more than 100  memoranda  , including  reminders   . Also applications under   RTI to  LIC, Dept of  Financial Services and also complained to   Prime Ministers   office There is  stoic  silence   from LIC, DFS   Yogakshema   is blind  , deaf   as regards  pensioners  .  Employees  not  opted    for  pension and still in service   are    decision makers   The fate of   writ  filed  in jan 2009  in  Kerala   HC  , God alone  knows   whether at                    it will be heard  -----------------------------CSMurty

13)Friends Please find attached a letter written to DG, in the matter of OPD Scheme,RBI

-------Parab L R.,GS,RBREA

OPD-DG Final.pdf

361.9kB

14)RBI has enhanced monthly medical allowance as per the attached circular

to those who retired pre- Jan 1986 or their family members.

Good gesture from the Bank.

Parab L R,

Circular dt 9-5-18- M A to ex-gratia.pdf

465.9kB

15)The implication of Grameen Banks' Pensioners SC judgment for LIC Pensioners

THE SUBTLE IMPLICATION OF THE SUPREME COURT JUDGMENT ON RRBS’ PENSIONERS FOR OUR SLPs

The basic rationale for the judgments of Karnataka & Rajasthan High Court judgments upheld by the Supreme Court on 25/4/2018 has been that parity should be maintained between the employees of RRBs and those of 58 Nationalized Banks in the matter of pay as well as pension benefits. This has a subtle message and  a fortifying point for our SLPs in the Supreme Court.

While RRBs are separate set of entities although sponsored by Nationalised Banks, they have been now afforded-and rightly so- a status of parity with Nationalised Banks as far as pension benefits are concerned also. But in the case of LIC pensioners, LIC Pension Rules 1995, with the insertion of Rule 55B on

23/8/2001, have created a disparity within the same set of pensioners governed by these Rules. Chairman and Managing Directors retired after 1/1/1996 as per Rule 55B have been made eligible to be brought on par with Central Government pensioners   governed by CCS Pension Rules 1972, while 99.98% of the other pensioners governed by the LIC Pension Rules have been deprived of parity with these officers. This in spite of Rule 56 (Residuary Provisions) which states that where there are no express provisions in the LIC Pension Rules 1995, the CCS Pension Rules 1972 etc will apply. Lack of parity in this regard between the two sets of pensioners is to be construed as a lack of express provision in our Pension Rules.

We are of course happy that the above-mentioned category of top management officers has been treated on par with Central Government pensioners, because this has provided a strong ground for us to fight in our SLPs. But what is incidentally unfortunate is that as many as six Chairman and three Managing Directors retired between 1/1/1986 and 31/12/1995 have also been deprived of the parity provided by Rule 55B.By a deeper reading of the Rule 55B,we can discern the subtle point that an option has been given to the concerned officers not for being governed  by the CCS Pension Rules 1972,but instead had been given an option “not to be governed by  the provisions  of this rule(55B)”.In other words, the parity with CCS pensioners has been happily bestowed  on this category of officers! No sane person would exercise such negative option!

We need to emphasize this aspect in our pleadings before the Supreme Court on 24 th July 2018.

I reproduce the set of Rules 55,55A,55B and 2(j) which have relevance in this regard.

Greetings.----------C H Mahadevan

Rule 55

Power to issue instructions-

The Chairman of the Corporation may from time to time issue instructions as may be considered necessary or expedient for the implementation of these rules.

Rule 55A  (Notified in Gazette of India dt 6/12/1999 and came into force on the date of publication in the Official Gazette).

Power to Relax-

Where the Central Government is satisfied that the operation of any of these rules cause undue hardship in respect of any class or categories of persons, it may by order for reasons to be recorded in writing, relax the requirement of the provision of that rule in a manner not inconsistent with these rules.

RULE 55B   ( as amended on 13/8/2001)

Pensionary benefits to employees mentioned in proviso to sub-rule (j) of Rule 2 and employees appointed as Managing Director under Section 20 of the Act (LIC Act 1956) and who were in service on or after 1st January 1996;

Notwithstanding anything  contained  in these rules, in respect  of an employee appointed as Managing Director under Section 20 of the LIC  of India Act 1956, and in respect of an employee covered by  proviso to sub-rule(j) of Rule 2,who were in service on and after 1st January 1996, the pensionary benefits shall be calculated  in accordance with  the provisions contained  in the Central Civil Services(Pension)Rules 1972 and the  Central Civil Services( Commutation  of Pension)Rules, 1981, as applicable  to Central

Government   servants and in accordance  with the instructions issued  by the Central Government  there under from time to time;

Provided that where such  an employee who has retired  on or after 1.1.1996 and before the  date of publication of  these rules in the Official Gazette  or the family of such employee in the event of death of such employee, gives a notice in writing within 90 days  of the publication of  these rules, expressing an option not to be governed by  the provisions  of this rule, then , the provisions of the above paragraph shall not apply  in respect of such employee or the family of such employee as the case may be. Option once exercised  under this proviso  shall be final”.

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  Rule 2(j):

“ “employee” means any person employed in the service of the Corporation on full-time work on permanent basis and who opts and is governed by these rules but does not include an employee retired before the commencement of these rules and who is drawing pension from the Pension Fund of the Oriental Government Security Life Assurance Company Limited in accordance with sub-regulation(2) of regulation 76 of the Life Insurance Corporation of India (Staff) Regulations,1960, made under the Act;* Provided that where the Chairman of the Corporation appointed by the Central Government in accordance with Section 4 of the Act was immediately preceding such appointment an Employee of the Corporation, then, subject to the terms of any contract, agreement or letter of appointment or directions issued by the Central Government, such Chairman for the purposes of these rules shall also be deemed to be an employee of the Corporation.

16)Dear Mr Sahni, I note that the above judgment was delivered by Madras HC on 16/8/2017.Has the judgment been implemented by TamilNadu Government or whether it has appealed against the judgment?

The increments for LIC employees are dealt with under Sec 56 of LIC Staff Regulations with identical provisions with those of the Central Government. If the same principles are applied to LIC Employees, pensioners who retired exactly on the date when an increment was due can also claim similar benefit which will result in refixation of pension after taking into account the notional increment due .To start with, pensioners residing in TamilNadu coming under this category can file a Writ Petition in Madras High Court praying for similar treatment.I suggest you may collect the details of such pensioners  retired from 1/1/1986 till date so that they can join together for initiating any legal action.

Kind regards.-------------CHMahadevan

17) iii) I suggest that aggrieved pre-August 1997 retirees/pensioners who are mostly octogenarians may write to Chairperson,NHRC pointing out that LIC has not paid the benefits in obedience to the Delhi High Court judgment dated 27/4/2017 although a period of one year is over at the following address:

National Human Rights Commission,

 Manav Adhikar Bhawan, C-Block, 

GPO Complex

INA, New Delhi - 110 023

Fax : 91-011-24663311, 24663312 

Email: nhrcga@nic.in, 

Website : www.nhrc.nic.in

Kind regards.------------------C H Mahadevan

---------

Respected Sri NANN,  ii) With regard to your mail inquiring about the feasibility ofadvancing the hearing of our case through possible legal avenues, Iwish to convey the following from out of my limited knowledge aboutcourt procedures.

          1. Supreme Court is closed for summer holidays till 1st ofJuly and it is to reopen on 2nd July.          2. Vacation judges may not be pleased to entertain any pleaon cases entrusted to regular benches.          3. As our case is of a civil nature, it may not be comparedwith that of habeas corpus petitions.          4. Our case is listed to be heard on 24th July  ( computergenerated date )          5. Our Counsel tried to get a date ahead of court vacation,but the bench adjourned to July after referring to the diary.          6. Even for ordering grant of IR, court expressed their wishto dispose of the case through continuous sittings on and     after 24th July ( on Tuesdays exclusively without miscellaneouspetitions )          7. I have no information whether our Sr.Counsel has got anyplan of approaching the designated bench for        advancement of date after the court reopened on 2nd July.

   This much only I could say now from out of my own personalknowledge. I must thank you for echoing the anguish of our innocentpensioner colleagues. Let us hope that better sense would prevail uponthe bureaucracy to set its house alright. The plight is there amidstthe entire pensioners of Public Sector Undertakings. We await tosecure a favourable judgment in the Apex Court within five or sixsittings. We could only pray for the longevity of our pensionerbrethren till that D-Day.   You may be hearing from our leaders, to whom you have forwardedcopy of your message, a concrete reply throwing more light.With regards,------------------M.P.Subrahmanian  (MPS )

---------------------------

> Dear MPS,

>i) Is there a legal avenue open, something similar to the habeus  corpus> petition where an affected individual who is nearer to his death because of> his ripe old age seeks an early disposal , say within a week of the case> wherein he might get monetary benefits instead of indefinitely waiting and> receiving adjournment after adjournment.>> Regards ------------------NANN ,Madurai

18) Great Speech by UFBU Leader why 20 percent wage hike for Bank employees can easily be given

https://m.youtube.com/watch?v=0YIrEv7yKTk&feature=youtu.be

19)

**Revision of Minimum Pay and Fitment formula due to increased revenue collections of the Central Government

Comrades,                  Today none of the 7th CPC related demands of Central Government Employees are settled. The assurance given by the Group of Ministers to the NJCA leaders regarding increase in Minimum Pay and Fitment formula is in paper even after a lapse of 20 months. Now the Finance Minister has replied in Parliament that “no change in Minimum Pay and Fitment formula is at present under consideration”.To avert the 11th July CG employees strike the Hon’ble Prime Minster had instructed the group of Hon’ble Ministers including Shri Rajnath Singhji, Hon’ble Home Minister, Shri Suresh Prabhuji , Hon’ble Railway Minister    and Shri Arun  Jaitelyji , Hon’ble  Finance Minister to hold discussions with the Staff Side (JCM) on 30th June 2016 and the Shri Arun  Jaitelyji , Hon’ble Finance Minister had published a written assurances in the Government  website on 6th July 2016 leading to deferment  of the strike .Read more »

20) Respected Sir, I am sad to learn about your infirmities and pray to Almighty to cure you fast and give back your physical strength to enable you to serve the pensioners community without pain. 

I thank you for your unparalleled showering of greetings and  very kind words of praise and appreciation. I have no words to thank you for same. 

I thank you once again for your wonderful words of encouragement and appreciation. 

With regards, -------------R K Sahni 

21)A RECITAL & A TRIBUTE FOR THE SUPERLATIVE RECORD OF 18.00,000 HITS BY RKSAHNI BLOG

  Pensioners Voice & Sound Track Editor Sri RKSahni has created another record reaching a Milestone of 18,00,000.Sky is the limit,Sky is also not the limit is true of RKSahni Blog. It has reached Majestic 18,00,000 hits so early ,with a giant leap forward,so persistent & consistent .He can create a record & breaking his own record is his forte.

    It is not everybodys cup of coffee to maintain, nourish ,improve, update,flash news of great importance, cover extensively all disciplines which touch human lives, especially Elders Senior Citizens & Pensioners .Social, cultural, economic, political,  PMsregular Messages, Summary news from PIB, a delightful coverage of all Govt Depts policy implementation.

   Not only that, a Headline Coverageof Daily releases is released,which any intelligent reader, even if he has missed, can refer back , clicking & getting desired results.RKS is a professional in Excel & any number of ready calculations so much needed to strengthen our case in SC & he does it with delight & accuracy pinpointing & clarifying the Table & Chart for the lay pensioner.

  RKS is also present in WhatsApp selectively giving replies,where necessary to cut short needless prolonging of the issue raised.RKS Blog is not without Variety.Quotes or Humour or Festival Greetings,plethora of Bank latest developments,I send few valuable inputs readily inserted in his Blog .CPIndex,DA /DR Slabs for Employees & Pensioners,Court cases, Live Display Board,when Court is in session for our specified cases has always been a delight & flash reporting for all pensioners glued to know latest developments

  All in all, a terrific star-studded voyage & journey feeding maximum info to all readers,spreading communication crusade & a brave & courageous attempt laced with dedication to lift the depressed spirits of pensioners of all hues & colours with enlightenment coupled with gems of wisdom

Greetings & warm regards, May you be blessed with good health, peace,plenty & tranquillity

R.B.KISHORE ,VP,AIRIEF

22)Dear Sri Kishore, Two yrs back,  the author who is none but my eldest sister's son in law gave me the book Sri Lalitha Thrisathi and advised me to chant the 300 namavalis regularly..Thrisathi contains more powerful mantras than sahasranamavali and one will prosper and achieve many things. He did some research and brought out this book

Considering ur health, I felt u should  chant the namavali daily. I am sure u will come out of the rut. If u can't read ask madam to by-heart it. Many books are available in the market but this is special. I am  extremely  happy you are praying to Mahaperiyaval's and

I can assure u  will become very healthy as I saw u in Borivli 22  years back a vivacious sportsman,orator and a superlative writer. Don't worry ! God and Mahaswamigal are on ur side.        The burden of AIRIEF is on u.Bear with it for few months. But don't strain ur self. Conduct it smoothly and a favourable solution is in sight for all aged pensioners. With my best wishes,   ...nvkrishnan from California.

23) Dear Mr. Kishore, REFUSAL OF ICICi BANK,BAZULLA ROAD, TNAGAR & CUSTOMER CARE TO ENHANCE CREDIT CARD LIMIT

We regret the inconvenience caused to you. We write with reference to our telephonic conversation dated May 31, 2018. We wish to inform you that your request for limit enhancement by Rs. 20,000.00 for your credit card XX3002 has been initiated through Service Request number SR547240693. This request will be processed by June 06, 2018.

We focus considerable effort on training our staff to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback. We earnestly hope that the negative experience you had will not come in the way of your availing our facility. We apologizes, once again for the unpleasant experience. 

All our customers are important to us and your feedback will aid us in introspection and improvements in our processes ultimately leading to customer delight. Looking forward to your cooperation and assuring you the best of our services. Sincerely, (I sent Complaint with details to Governor, RBL,Madras,copy to Top Mgt,ICICI) Mohammed Nawaz ShareefCustomer Service ManagerICICI Bank Limited

24) 31 May is our Wedding Anniversary; 48 years have rolled by,Wedlock ending any Deadlock; Life is not A Tempest .Life is not A MidSummer Nights Dream; Life is not even A Comedy of Errors.Life is As You Like It.----RBKishore

Greetings & Blessings to all,

COLLECTIONS : R.B.KISHORE, VP, AIRIEF 1/6/2018:

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