Tarnaka Times - Sept. 2010

8/8/2019 Tarnaka Times - Sept. 2010

1/10

1 Tarnaka Times, Sep. - 2010

RNI Regn. No. APENG/2007/26469 Postal Regn. No. H/SD/428/2009-11

A mouthpiece of the Federation of A.P. Senior Citizens Organisations (FAPSCO)

The United Federation of Resident Welfare Associations (U-FERWAS)

The Federation of Organisers of Elders' Homes in Andhra Pradsh (FEDEHAP) and

Standing Committee of Tarnaka Resident Welfare Associations (SCOTRWA)

Annual Subscription Rs. 50/-

TARNAKA TIMESVOL. No. 2 ISSUE No. 68 MONTHLYNEWSLETTER Published on Every 2nd SEP. - 2010

(Refer T.T.68 : continuation of the article)

4. Area-wise Operations for systemization and

institutionalization:

a). Education :

In this area, the registered mutualist system would function

as a bank as well as an insurance company with the

authorization of RBI. It might even re-insure itself. It will

work like a Reverse Mortgage plan for the senior citizens,

while, in this case, the property being the brain of the child.

The contract of loan-giving operates with an insurance, till

the member starts earning an income or a job, from where

he would be paying back the loan on instalments. One

might, temporarily, suspend payments, when one is out of

employment. During that period the defaulter might be paying

the premium on insurance. This is an essential activity inorder to build a knowledge-based society. The government

might contribute to the capital of this initiative. The re-

payment installments would be indexed to the rate of

inflation and an additional cess would be levied to augment

the common fund. There is no need for any limit to the

period of repayment. In the long term, this can become an

autonomous universal system by integrating other parallel

systems in the market. This system can have a sub-system

or link to the health insurance of the member under another

system, during the period of loan.

b). Pension :

In a society like India where social wealth has to beincreased in order to be shared better, more people should

work and for longer years. At present we are covering only

11 percent of our labour force, mostly in the organized

sector. But, it is possible to build a big stock of pensionfunds, now, when our work force is younger for the future

twenty years to come when our demand for pensions would

increase. The present Employees Provident Fund

Organisation should be totally transformed into a defined

pension-benefit system with parametric changes. There can

be definedcontribution system also as an option with otheragencies. In any case, there should be no possibility to

withdraw bulk amounts, neither before nor after retirement.

Therefore, it would become a Employees Pension Fund

like the New Pension Fund. While, on the one hand, pension

could be calculated on the basis of the contributions from

the member, from the employers and from the local and thestate or central governments, it could be cumulated with

the reverse mortgage of house or patent rights, etc. so as

to ensure a guaranteed minimum pension, indexed to the

cost of living. Similarly, other pension systems like the civil

service pension, special private and voluntary provident funds

could be allowed prosper on their own or can have cross

contributions. The New Pension Scheme and the newly

added LITE should have annual targets of growth with

incentives for the managers. This could be devised by the

PFRDA. Private systems similar to EPFO could be formed

by private entities, including mutuals, depending upon the

degree of risk they would like to take in the open market

investments. EPFO and other allied bodies with a dormantfive lakh crore capital should be able to undertake for the

benefit of their members the functions of a bank, a real estate,

housing, leasing finance corporation, a stock-trading

company, etc. All the systems could be overseen in the

open market as far as the capital is concerned by SEBI.

As an example of measures to be taken by the government,

we can propose the abolition of much-mismanaged National

Old Age Scheme and equivalent amounts from the national

budget be transferred to the systems in which a senior citizenis a member. This should be done with the ultimate objective

of obliging everybody to contribute to some pension fund till

one reaches sixty five or more years. Optional extension of

retirement age upto 67 to 68 years is right now possible.

Similarly, incentives should be given by the governments

(local, state and central) to all bodies that achieve annualpercentages of growth of coverage of people in un-organised

sector. With accrued savings, pension funds could be

diverted towards developmental works which would boost

growth.We should expect a ten percent annual growth of its

membership from its current nearly 5 crore membership.

The fundamental mission of the rich Life Insurance

Corporation (LIC) should be transformed into a more efficient

Life Pension Insurance Corporation (LPIC) specializing into

unorganized sector, with its vast army of officers. The Pension

Plan, Market Plus 1of its Pension Fund is a good beginning.

Towards A Universal Social Security System for All :

An Exploration of Strategies


2/10

2Tarnaka Times, Sep. - 2010

Its other activities could be made supplementary to make

it financially-viable.

The Direct taxes Code-2 should give tax incentives on

savings for retirement. No pre-mature withdrawals should

be permitted from the pension funds. The exempt-

exempt-exempt (EEE) tax benefits which are given toonly government-sponsored National Pension Scheme

must be extended to all pension schemes in the private

sector.

By some measures, we must force the banks and

companies to market the NPS+NPS LITE. The service

fee can be increased by 0.25 or 0.50of assets undermanagement, along with about 2% deduction for the

first few years as account opening fee paid to insurance

agents to encourage marketing. The private companies,

in return, can be asked to ensure some growth in the

accounts. Of course, obligatory insurance linkage can

be established.

c). Health:

World class infrastructures, medical tourism,

pharmaceutical competitivity, low costs, English

language skills, and availability of alternative and

supplementary medical systems make India capable of

making a big leap forward towards minimum health

services for all Indians. The British and American health

systems would be, certainly, interested in de-localising

some of its services in order to reduce their costs. The

GOI should spend more on research, clinical studies

and development of bio and anthropo technologies and

in establishing a relay between research and

applications. Here again, it cannot be a purely sectionalor national affair; numbers help, as in the case of

Yeshasvini scheme in Karnataka.

In the Indian context, the healthcare can function only

in an insurance system. Tax revenues should provide

incentives and subsidies to those systems which provide

basic services to the low-premium groups among the

members. Between government medical and health

establishments and entirely profit-making organizations,

there could be, in the middle term, some trusts or

foundations as Special Purpose Vehicles, as in the case

of Arogya Sri in Andhra Pradesh, only as a campaign or

a movement to wipe off the long back log of health needs

accumulated and that too, on an ad hoc basis. In view

of the fact that for a number of known reasons, health

insurance is a loss-making proposition, it is a domain

where maximum of governmental incentives andsubsidies are to be allotted. The Universal Health

Insurance Scheme should be opened to all, instead of

limiting it to the BPL families. The governments have to

be more generous in this area for some time, till people

get into the mental habit of health insurance culture.

Later and gradually compulsory contributions should beimposed and increased. For long term investments,

private international health insurance companies need

to be encouraged to settle in India to bring in their best

practices.

The Employees State Insurance Corporation (ESIC) is

a successful model and more and more labour from the

unorganized sector should have similar structures or getthem absorbed in to the existing ESIC. Any association

or enterprise or group of people consisting of minimum

people must be able to adhere to ESIC without any upperlimit of salary. It would be a wrong priority for ESIC to

construct their own hospitals and maintaining them,

instead of having tie ups with the private establishments.

Central Health servicing system for the central

government civil servants is very weak and ESIC taking

over these services would be more efficient, especiallyin far off rural areas.

IRDA should have an Observatory for annual survey of

health coverage and advise on where the expansion of

health coverage is slow. Both the Planning Commissionand the Central Finance Commission can guide the

specific public policies and allocations to the executive

agencies in those domains. By 2020, we might be able

to say that we have a universal social security system,

though with some gaps in health coverage. By that time,

the un-prepared generations of people born till Fiftiesand who have not made any contributions would be

reduced in numbers.

by Dr.Rao.Chelikani

(Extracts of the Supreme Court Judgementpublished in Times of India-Mumbai edition)

The Supreme Court has ruled that builders/promoters cannot sell parking areas as independent unitsor flats as the same is to be extended as commonareas and facilities for the owners. A bench of JusticesR M Lodha and A K Patnaik in a judgment rejected theargument of a real estate development company thatthey are entitled to sell garages/stilt parking areas asseparate flats to owners who intend to use it as parkingfacilities.

reported by TR.Madhavan,Secretary (Rajendranagar),UFERWAS.

Dr. P. Vishnu, homoeopathicphysician and social worker, passed awayafter a prolonged illness on September 7,2010. He was 72. He is survived by wife,Smt. Vimala Vishnu, son Vinod and hisfamily and daughter Vanitha and her family.

As a man of high values andprinciples, Dr. Vishnu was naturally

attracted to the civil society movement for political change anddemocratic reforms started by Dr. Jayaprakash Narayan in thename of Lok Satta in 1997. He served as the state secretary of the

organization and also as the editor of the periodical,Jana Balam

.- N. V. Raman

Builders Have No Right To Sell Stilt ParkingOBITUARY


3/10


The Government of India has empowered its citizenswith Right to Information Act in the year 2005 to provideaccess to information to the people in public offices in

order to promote transparency and accountability, whichwas hitherto kept away from the general public underOfficial Secrets Act 1923. The RTI Act has the overridingeffect on Official Secrets Act. Now, nothing can beconcealed except the information pertaining to integrityand sovereignty of the country or information, thedisclosure of which would endanger the life or physicalsafety of any person, and such other few items listed U/S 8 and 9 of the R.T.I. Act for which exemption is given.The R.T.I. Act has become most popular within a shortspan of time; however, certain lacunas require urgentredressal:-

Clause 4 of the Act make certain obligations on publicauthorities to maintain all its records and ensure itscomputerization and connect through a network all overthe country on different systems so that access to suchrecords is facilitated. It is well known that in most of thepublic offices, computerization of records are not yetdone, required men and machinery is not available.Proper maintenance of records is vital for effectiveimplementation of the Act, which is also lacking in mostpublic offices for want of necessary infrastructure andequipment.

Clause 5 of the RTI Act obligates the public authority to

designate Public

Information Officer. Here the Act has not prescribedany criteria or qualification for the P.I.O. to be designated.As a result, there are so many public offices where theemployees working in a clerical cadre have beendesignated as Public Information Officers with littleinformation about the Act. This apart,

Further Clause 19(5) says that in any appealproceedings, the onus to prove that the denial of arequest was justified shall be on the Public InformationOfficer, who denied the request. Here the P.I.Os.

designated from lower cadre who are supposed toexecute the orders passed at higher levels. As such,

Clause 5 require amendment by prescribing the seniormost officer next in command to the Head of theInstitution and who is not less than to the rank of

Gazetted Officer to designate as P.I.O.

Clause 6 of the RTI Act does not specify or limit thequantum of information to be sought by an individual oran Association/Organization, nor its requirement ornecessity.

Clause 6 gives ample scope for misuse of the act byhabitual complainants and greedy persons resorting toblackmail to harassment of the public authoritiesespecially the P.I.Os. Example: in an extract of a casedealt by A.P. High Court in W.P.No.20182/2008 filed bythe Petitioner Mr. Divakar S. Natarajan against the A.P.

Information Commission and A.P. State Government:While dismissing the said writ petition, the learned Judgeconcludes and opined:

However, indiscriminate efforts to secureinformation just for the sake of it, and without therebeing any useful purpose to serve, would only putenormous pressure on the limited humanresources, that are available. Diversion of suchresources, for this task would obviously, be, at thecost of ordinary functioning. Beyond a point, it mayeven become harassment, for the concernedagencies. Much needs to be done in this direction

to impart a sense of responsibility on those, whowant to derive benefit under the Act; to be morepractical and realistic.

Further, a provision should also be made in the RTI Actempowering the Information Commissions to decide firstwhether a particular application filed under the RTI Actseeking voluminous data has any public interest anduseful purpose to serve or is filed just for the sake of theAct, and to set aside such applications, if necessary,by awarding suitable penalties to the applicants.

By Sri. SHAIK ISMAIL, G-12, Palace A, HappyHomes, Near Upparpally Cross Roads,Hyderabad 500048.Ph: 9010591800

FORUM FOR SENIOR CITIZENS TARNAKA:

5th I Rajender Rao NagNagar 27171820

6th V Lakshman Rao Vijaypuri 9392529292

8th A Rama Rao Tarnaka --

13th DSN Murthy Nagnagar 9866428623/27177494

13th Prof Veera Nagaiah Tarnaka 9391097279

16th M Surya Rao Vijayapuri --

19th K Mallaiah Vijayapuri --

19th CS Krishnan Tarnaka 9704693819

October,

2010

THE OTHER FACE OF THE R.T.I. ACT

(Some Exctracts)

HappyBirthday

Wishes


4/10


Senior Citizens Associations Activities

primary health centre at Arsapally village and fruit bearingtrees(mango, sapota, guvva etc..) at oldage home nearhanuman temple, sarangapur village. A delicious lunchis also arranged to all senior citizens of the Home andto all children of the uchitha patashala, sarangapur on

that day.Reported by the President.

4. Forum For Senior Citizens, Tarnaka

In their monthly meeting held on 17th September, theSenior Citizens of the Forum took an oath to save theMother Earth from its enemy, the non- degradable plasticby minimizing the use of plastic in their daily life. TheSenior Citizens decided to carry with them cloth/jute/paper bags whenever they go for shopping.

5. SENIOR CITIZENS FORUM

(Formerly Senior Citizens Forum of Vidyanagar)

The Forum deeply regrets the demise of SriK.L.Wagh, President of the Senior Citizen ForumVidyanagar on 2nd September, 2010 . at the age of76 years. Sri Wagh retired from Railways andsurvived by wife and two children.

Sri Wagh was a trade union leader for 3 decades, workedas Divisional Secretary in SCR. While in service, hefought for the rights of the employees, got dismissedand arrested during the strike in 1974 to be reinstatedlater. He is the one of the key persons to work for theLalithanagar Welfare Association, successfully leadinga legal battle for vacating the park occupied by others inthe area. Sri Wagh is a very popular person in the areaalways keen to serve the downtrodden.

Sri Wagh was Ward Committee Member for AdikmetWard, President of Lalithanagar Welfare Association andPresident of Senior Citizens Forum, Vidyanagar at thetime of demise. He was very active member of the Daycare Centre in Lalithanagar. .

Sri Nayani Narasimha Reddy, former Minister, SriN.L.N.Murthy, Sri T.V.Reddy , other Committeemembers of Lalithanagar Welfare Association, otherresidents of Lalithanagar, Prof. V.Malleswara Rao andother Members of Senior citizens Forum, Vidyanagar,Sri P.Kishan Rao , President Vidyanagar CitizensCommittee and large number of Rly Trade Union Leadersand other people paid their homage. The Adikmet Ward

Committee met on 29-9-10 and paid homage to thedeparted member

1.Malkajgiri:

Free Eye Camp was conducte on 18th Sept2010 at Dayanand Nagar welfare Day Centre byM.S.Reddy, Lions Eye Hospital Meerpet, Moula Ali

represented by Eye Hospital Vision Technician Km.Vijaya Lakshmi and camp Coordinator Narender incoordination with GHMC Aasara, Helpage India andGHMC Malkajgiri Aasara Committee. Speaking on theoccasion Project Director GHMC Aasara, Smt. MamthaBai stressed on the need to protect the senior citizensfrom the ailments of Eye, Alzheimers, Dimentia andother chronic diseases like Heart, T.B etc; and the eyecare is the first step to be taken care of. The camp washosted by the Dayanand Nagar Welfare Centrerepresented by Sri.Purna Chander Rao and Sri.Mallikarjuna Rao. Sri. S. Sitarmaswamy OrganizingSecretary Sri. B. Linga Reddy, Vice- President, Sri. G.

Krishna Murthy, General Secretary and ExecutiveMembers Smt. S.V.Gajanani and Sri. A. Rama Murthyand active Senior Citizens.

Reported -S.Sitarama Swamy - 9866473455

2. S.R. Nagar Circle Aasara Senior CitizensCouncil, Hyderabad

The following office bearers are elected:

Sri.Sarrasri N.Ramulu- President, Sri.D. Parthasarathi Vice-President, Sri.M.Satyanarayana-GeneralSecretary, Sri.K.Nageswara Rao Joint Secretary,

Sri.G.Veera Lingeswara Reddy OrganisingSecretary,Sri .M.Rama Murthy-Treasurer

3. Nizamabad Senior Citizens Forum

The National flag is unfurled on the top of the building ofSenior Citizens Forum Nizamabad on 15th August, 2010at 8.45 am by Sri. G.Chandrabhushan Reddy, Presidentof the Forum. Felicitation to the following citizens wasdone on that day.

Sri.Prem Chandji, (91 years) Freedom Fighter,Sri.G.Vithal Reddy,(88 years) Freedom Fighter andSenior Advocate, and Dr.Madhusudhan,(74) yearsM.D.Senior Physician.

Cash Prize of Rs.500 was given to the student whosecured highest marks in 10th class in the High school

of Chandra Sekhanagar Colony, Nizamabad during theyear 2009. Gold Medal was awarded to the student whostood dist 1st during the year.Fruits also distributed toall the students of the school on the same day.Observation of National Protest Day on 16th August,2010

A rally with 300 senior citizen persons wastaken out on a main road of the city wearing a blackbadges on the left hand shoulder and they submitted amemorandum to the Dist.Collector. There after a pressmeet was conducted. A meeting was also held afterpress conference in the Forum office.

Celebration of (Vanamahotsava)Programme on 17.08.2010

Shadow-giving trees have been planted in the premisesof community hall new NGOs Colony, Nizamabad,


5/10



6/10



7/10


There has been a persistent demand on the part of thesenior citizens in the state for fare concessions in thebus travel which has not been granted so far. Now webring fresh proposals keeping in mind the constraintsexpressed by the transport authorities.a) In reality, it involves very small number of seats: Weseek fare concessions for people above 65 years of ageas priority group, whose number is less than 40% of thesenior citizens, who could be estimated to be around60 - to 70 lakhs. Among them, those who can afford,who are capable of traveling and who are willing to do sowould be lesser in number. For short visits, many ofthem use other means like cycles and cars. And they

would not travel often.b) Any reduction of fare of more than 25% would bringnew customers to the Transport authority. Now, duringcertain hours in a working day, during holidays and oncertain routes, the Transport authority has been reportingless than full occupancy.c) This encouragement to utilize the public transportwould lessen our pollution and other social costs,particularly, in growing urban areas.

We, therefore, appeal to you to re-consider our proposalYours sincerely,

-Hyderabad, 14th Sept.2010 Dr. Rao V.B.J. Chelikani

Extract of the letter to Mr.S.P.Singh, IAS, Chief Principal Secretary, R&B Dept.

Regarding concessions in RTC buses to Senior Citizens

There is good news for those who are running eldershomes!

Consequent to the discussions we had at theState Council meeting, presided by the Chief Secretary,it is officially announced by the Chief minister that thosewho reside in the old age homes would be covered bythe Arogya Sri programme for some of their health needs.

We propose the following :1. Please identify among your inmates, those who

have a proof of having sixty years of age and takethem to the Assistant Director for the Welfare ofthe Disabled and the Senior Citizens and request

him to issue the Identity cards.

2. These cards carry ing the emblem of theGovernment of Andhra Pradesh are printed byFAPSCO and are already delivered to all the A.D.s.There is a form to fill in and a photo to be attached.

The card will be attested and signed by the AD.

3. If he does not have them readily, please contactus, we will send you a limited number.

4. Then, contact any official dealing with ARogyaMitra, Any office of the Star Alliance Trust or anyArogya Mitra counter, any MRO (Tehsildar) or anyimportant corporate hospital, etc. and seektreatment.

5. He might probably ask for an attestation on yourpart as manager of the Old Age home, that yourinmate is within below poverty line or is of modest

income.6. Above all, I request you to see that there is no

abuse of this opportunity.

For any further clarifications, please contact us.FAPSCO.

Arogyasri for Old Age Homes :

# ~ =[ "Y Q}#=# ~ O "#H|_\xH, q j _# Z ~H=_xH, OH ~K~, =_#=H

xOQ qOK|_\xH, =Q qz#OH=_xH =H~}O, Q O =#O \Oz# , =~ q=H . JO_~,QOn _ nx YO_Oz, D ==# x~eOK\xH H$+ K~. D =^ JO ~f ~`, Jx ~ ==#, *u qKH} (~+ _q


8/10


UNESCO>xOQ q


9/10


Standing Committee of Tarnaka Resident WelfareAssociation

1. Discussion on setting up of Community Radiostation in Tarnaka was held with the GermanDelegation. It was decided to set up Committeesfor taking initial action. It was proposed by themembers to study and make an analysis aftervisiting any existing community Radio schemeexisting one. The report prepared bySri.G.Jagadeswara Rao C.A of Gokul Nagar wasbriefed to the residents by B.Om Prakash.

2. Sri.P.S.N. Kumar Yadav and Smt. G.Sujatha WardCommittee members, present explained the issuestaken up. Sri. P.S.N.Kumar Yadav who pursuedwith the Municipality on clearing of Grrapudekkafrom the Patel Cheruvu and Yerrakunta; hoped thata permanent solution would soon be sought for.He also informed the sage of Road laying inSt.no.13, which is badly damaged.

3. It was suggested by Sri. T.S. Krishna Prasad thata grievance book be kept in SCOTRWA office sothat Ward Committee members could take upimmediate action.

Community Radio Meeting:

In the meeting held after long discussion on thecommunity Radio issue at Tarnaka, Roles and positionof different RWA members were fixed to initiate thescheme.

Three different Task Force Committees were set upwith following.

Administration(TF)

Sri.G.Jagadeswara Rao, Dr.I.Arun Kumar,Dr.Rao.Chelikani

Equipment and Operations

Sri.V. Rama Rao, Dr.I.Arun Kumar, Sri.Syed Khaled Shah

T.F MarketingSri.B.T.Srinivasan, Sri.Ch. S.V.R..Dhaveji,Sri.K.L.N.Uday Kumar, Sri. Syed Khaled Shah

T.F.Programme

Sri.B.Om Prakash, Sri.P.S.N.Kumar Yadav,Smt.G.Sujatha, Dr. Rao Chelikani

T.F.Coordination

Sri.V.Rama Rao, Sri.B.T.Srinivasan, Dr.Arun Kumar Inala

T.T.Communication:

Ms.Naemi

The next meeting of T.T. shall be held on 7.10.10 at7.p.m. Community Radio Committee 9.10.10. at 5.pm.

As reported by B.OmPrakash

DECCAN GRAMEENA BANKGovt.of India Undertaking

(Sponsored by State Bank of Hyderabad)

TARNAKA BRANCHH.No.12.13-645, Plot No.1G, Sree Niliyam Nagarjunanagar, Tarnaka, Secunderabad 500 017

The Regional Rural Banks (Grameena Banks) were established under RRBs Act 1975 enacted in Parliament. Grameena Banks wereestablished under this Act throughout the country. The Share capital of these Banks is owned by Central Government, Sponsor Bank andState Government in the ration of 50 : 35 : 15.

v Attractive deposit rates compared to other Public Sector Banks. v Banker cheques, Demand Drafts, Lockers & clearing of cheques.

v Mortgage loans, Education loans, Personal loans available. v Housing loan @ 9.50% for entire loan period.

v Gold loan on all working days, Rs.1300/- per gram @ 13% per annum upto Rs.1.00 lac and 13.50% per annum for above Rs.1.00 lac.BANK OFFERS COMPETITIVE RATES ON VARIOUS DEPOSIT SCHEMES INTEREST RATES OFFERED BY THE BANK ARE AS UNDER:

S.No. Period Rate of Interest

1 15 DAYS TO 45 DAYS 3.25%

2 46 DAYS TO 90 DAYS 4.25%

3 91 DAYS TO 179 DAYS 5.50%

4 180 DAYS TO LESS THAN ONE YEAR 6.50%

5 1 YEAR TO 2 YEARS 7.75%

6 2 YEARS TO LESS THAN 8YEARS 7.75%

8 YEARS & UPTO 10 YEARS 8.00%

For Senior Citizens :0.50% Additional Interest.

Tax Saving Scheme :

Sri Rama Raksha Deposit Scheme

- 5 years 7.75%

Business Hours :

Monday to Friday : 10.30 A.M to 4.30 P.M

Saturday : 10.30 A.M to 1.30 P.M

For Further Details Contact :

Branch ManagerTel : 040-27156388, 94910 41954


10/10

1 0Tarnaka Times, Sep. - 2010

STANDING COMMITTEE OF TARNAKA RESIDENTS'

WELFARE ASSOCIATIONS (SCOTRWA)

Balaji Residency, 12-13-705/10/AB,Gokul Nagar, Tarnaka, Hyderabad - 500 017

Tel : 6450 4993, 6521 4993; Fax : 2715 4118E-mail : [email protected] Web site : www.ifhd.org

Printed, Published, Owned and Edited by

Dr. RAO V.B.J. CHELIKANIAssociate Editor :P. L. MenonAnnual Subscription : Rs. 50/-

Printed at :

SRINIVASA PRINTERS & BINDERSLane Opp. to Andhra Bank, Tarnaka,

Hyderabad - 500 017. Ph : 65 99 7917

BOOK-POST

__________________________________

__________________________________

__________________________________

Printe

dMatte

r

Postal Regn. No. H/SD/428/2009-11

TARNAKA TIMES VOL. No. 2 ISSUE No. 68 SEP. '10

Wanted

Teachers

Tarnaka Times - Sept. 2010

Documents

Transcript of Tarnaka Times - Sept. 2010