Department of Posts: Regarding premature closure of RD/TD/MIS accounts

, by indianmilitaryveterans

Department of Posts: Regarding premature closure of RD/TD/MIS accounts

No: – 8-01/2016-Inv.
Government of India
Ministry of Communications
Department of Posts
(Investigation Section)

Dak Bhawan, Sansad Marg,
New Delhi – 110 001,

Dated: 11 April, 2019.

All Heads of Circles/All Heads of Regions

Sub: Regarding premature closure of RD/TD/MIS accounts.

I am directed to convey the observation of competent authority made during a recent review meeting of Loss & Fraud cases held in Directorate on 27.03.2019. In some of the fraud cases committed in the past the modus operandi adopted was premature closure of RD/MIS/TO accounts without the knowledge of the depositors by making payment to agents or by crediting the amount to fake POSB accounts. Therefore, the competent authority has desired that premature closure of RD/TD/MIS and others scheme may be allowed only if depositors are personally present. You are therefore requested to issue necessary instructions to all concerned to ensure this.

(C.R Ramakrishnan)
Director (Investigation)

Source: NFPE


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One time contribution for ECHS membership

, by indianmilitaryveterans


Dated 12th April, 2019

The Chief of Army Staff
The Chief of Naval Staff
The Chief of Air Staff

Subject : One time contribution for ECHS membership and entitlement of Ward in empanelled Hospitals/ Medical facilities in respect of World War II veterans, ECOs, SSCOs and Pre-Mature Retires.


In continuation of MoD letter No.17(11)/2018ANE/D(Res-I) dated 7.3.2019, I am directed to convey the sanction of the Government prescribing one time contribution for ECHS membership and entitlement of ward in empanelled hospitals / medical facilities in respect of World War-II Veterans, Short Service Commissioned Officers (SSCOs), Emergency Commissioned Officers (ECOs) and Pre-mature Retirees (PMR) and their spouses as under :-

One time contributionWard entitlementa.Recruit to Havildars of Army & equivalent Ranks in Navy & Air ForceRs. 30,000/-Generalb.Nb Sub/ Sub/ Sub Maj. and equivalent Ranks in Navy & Air Force (including Hony Nb Sub/MACP Nb Sub and Hony Lt/Capt)Rs. 67,000/-Semi Privatec.All OfficersRs. 1,20,000/-Private

2. All other provisions of this Ministry’s letter referred above, unaffected by this order, will remain unchanged.

3. This issues with the concurrence of Ministry of Defence (Finance) vide their U.O. No.31(02)/2019/Fin/Pen dated 12.04.2019.

Yours faithfully,

(A.K. Karn)
Under Secretary to the Govt. of India
Tele Fax: 23014946


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General Provident Fund interest at the rate of 8% from 1st April 2019 to 30th June 2019 – DEA Resolution

, by indianmilitaryveterans

F.NO. 5(2)-B(PD)/2019
Government of India
Ministry of Finance
Department of Economic Affairs
(Budget Division)

New Delhi, the 3rd April, 2019


It is announced for general information that during the year 2019-2020, accumulations at the credit of subscribers to the General Provident Fund and other similar funds shall carry interest at the rate of 8% (Eight percent) w.e.f. 1st April, 2019 to 30th June, 2019. This rate will be in force w.e.f. 1st April, 2019. The funds concerned are:

The General Provident Fund (Central Services). The Contributory Provident Fund (India). The All India Services Provident Fund. The State Railway Provident Fund. The General Provident Fund (Defence Services). The Indian Ordnance Department Provident Fund. The Indian Ordnance Factories Workmen’s Provident Fund. The Indian Naval Dockyard Workmen’s Provident Fund. The Defence Services Officers Provident Fund. The Armed Forces Personnel Provident Fund.

Ordered that the Resolution be published in Gazette of India.

(Akhilesh Kumar Mishra)
Director (Budget)

The Manager, (Technical Branch)
Government of India Press, Mayapuri, Delhi.


Copy forwarded to all Ministries/Departments of Government of India, President’s Secretariat, Vice-President’s Secretariat, Prime Minister’s Office, Lok Sabha Secretariat, Rajya Sabha Secretariat, Cabinet Secretariat, Union Public Service Commission, Supreme Court, Election Commission and NITI Aayog.



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GPF benefit to the employees who are governed under the NPS scheme recruited on or after 1-1-2004

, by indianmilitaryveterans


April 23 , 2019

The Secretary
Government of India
Department of Pension and Pensioners welfare
3rd Floor, Lok Nayak Bhawan.
Khan Market, New Delhi.


Sub : GPF for those who have been recruited on or after 1-1-2004.

Ref : Item No. 5 of the agenda point discussed in the 47th meeting of National Council (JCM) held under the Chairmanship of Cabinet Secretary on 13th April 2019.

You are aware that the Staff side of the National Council JCM is repeatedly demanding for withdrawing the NPS and re introduce the defined Guaranteed pension scheme under the CCS (Pension) Rules 1972 to the employees who have been recruited on or after 1-1-2004. However pending the same the staff side has represented for extending the benefit of GPF for those employees who have been appointed on or before 1-1-2004 and governed under NPS on an optional basis. In the 47th National Council JCM meeting held on 13-4-2019, the Staff side reiterated their demand and requested that the GPF scheme may be extended to the NPS employees who opt for the same as an additional saving benefit. The Cabinet Secretary desired that the demand of the Staff Side may be considered favorably. Your good self has also assured that the demand of the Staff side would be considered and decision taken at the earliest.

In view of the above we submit the following justification for extending the GPF benefit on optional basis to the employees who are governed under the NPS scheme.

The advantage of GPF to the employees is as follows:

(1) The interest rate for GPF accumulation is 8% as on date.

(2) Advances from GPF is permissible for the following purposes.

Illness of self, family members or dependants.

Education of family members or dependant of the subscriber. Education will include primary, secondary and higher education, covering all streams and educational institutions.

Obligatory expenses, viz. betrothal, marriage, funerals or other ceremonies.

Cost of legal proceedings

Cost of defence

Purchase of consumer durables

Pilgrimage and visiting places of eminence. This will include any travel and tourism related activities.

(3) Apart from the advances as mentioned above GPF subscribers are entitled for withdrawals from GPF for the following purposes.

(i) Education : This will include primary, secondary and higher education covering all streams and institutions.
(ii) Obligatory expenses, viz. betrothal, marriage, funerals, or other ceremonies of self or family members and dependants.
(iii) Illness of self, family members or dependants.
(iv) Purchase of consumer durables.
(v) Housing including building or acquiring a suitable house or a ready built flat for his residence.
(vi) Repayment of outstanding housing loan.
(vii) Purchase of house site for building a house.
(viii) Constructing a house on a site acquired.
(ix) Reconstructing or making additions on a house already acquired.
(x) Renovating, additions or alterations of ancestral house.
(xi) Purchase of motor car/ motor cycle/ scooter etc. or repayment of loan already taken for the purpose.
(xii) Extensive repairs / overhauling of motor car.
(xiii) Making deposit to book a motor car / motor cycle / scooter, moped, etc

Apart from the above tax deduction under section 80C is also available. Annual statements will be issued on the 1st of April every year.

From the above it is amply clear that the GPF is more advantages to the employees than the Tier-II scheme of NPS. Therefore as stated by the staff side in the National Council JCM meeting held on 13-4-2019 it is once again reiterated that the GPF scheme may be extended to the willing NPS employees who opt for the same. Necessary orders in this regard may please be issued at the earliest.

A copy of your instructions may please be endorsed to this Office.

Thanking you

Yours faithfully,
(Shiva Gopal Mishra)


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Revision of Pension/ Family Pensioners of Pre 01.01.2016 and Post 01.01.2016 retired employees of the Indian Institute of Advanced Study, Shimla

, by indianmilitaryveterans

Government of India
Ministry of Human Resource Development
Department of Higher Education
U.3 Section

Room No. 519, ‘C -Wing
Shastri Bhawan, New Delhi
Dated: April 12th, 2019

The Director,
Indian Institute of Advanced Study,
Rashtrapati Nivas,
Shimla -171005

Subject:Revision of Pension/ family pension of Pre-01.01.2016 and Post 01.01.2016 retired employees of the Indian Institute of Advanced Study, Shimla -reg

I am directed to refer to the Government’s decision regarding provisions regulating pension including the revision of pension/ family pension of Pre-01.01.2016 retired employees of the Indian Institute of Advanced Study (HAS), Shimla on the recommendations of 7th Central pay Commission issued vide Department of Pension and Pensioner’s Welfare O.M. No. 38/37/2016-P&PW(A) dated 04.08.2016, 12.05.2017, 06.07.2017,18.07.2017 and 13.09.2017.

2. The DoP&PW (as per aforesaid OMs) has provided for following manner of revision of pension/family pension:

As per 2nd formulation (recommended by 7th CPC), vide para – 4.1 of O.M. dated 04.08.2016, as follows:

For existing pensioners, who have retired before 01.01.2016 the revised pension/ family pension with effect from 01.01.2016 shall be determined by multiplying the existing pension/family pension, as had been fixed at the time of implementation of 6th Central pay Commission (CPC) recommendations, by 2.57. The amount of revised pension/family pension so arrived at shall be rounded off to next higher rupee.

As per 1st formulation (recommended by 7th CPC), vide para – 4 of O.M. dated 12.05.2017,as follows:

The pension/family pension w.e.f. 01.01.2016 may be revised by notionally fixing the pay of pensioners in the pay matrix recommended by the 7th CPC in the level corresponding to the pay in the pay scale/ pay band and grade pay at which pensioners retired/ died. This will be done by notional pay fixation under each intervening Pay Commission based on the Formula for revision of pay. While fixing pay on notional basis, the pay fixation formulae approved by the Government and other relevant instructions on the subject in force at the relevant time shall be strictly followed. 50% of the notional pay as on 01.01.2016 shall be the revised pension and 30% of this notional pay shall be the revised family pension w.e.f. 01.01.2016 as per the first formulation. In the case of family pensioners who were entitled to family pension at enhanced rate, the revised family pension shall be 50% of the notional pay as on 01.01.2016 and shall be payable till the period up to which family pension at enhanced rate is admissible as per rules. The 
amount of revised pension/family pension so arrived at shall be rounded off to next higher rupee.

3. The DoP&PW’s above mentioned OM dated 12.05.2017 vide para-5,further maintains that higher of the two Formulations i.e. the pension/family pension already revised in accordance with this Department’s OM No.38/37/2016-P&PW(A) (ii) dated 04.08.2016 or the revised pension/family pension as worked out in accordance with para 4 of OM dated 12.05.2017, shall be granted to pre-01.01.2016 pensioners as revised pension/family pension w.e.f. 01.01.2016. In cases where pension/family pension being paid w.e.f. 01.01.2016 in accordance with this Department’s OM No. 38/37/2016-P&PW(A) (ii) dated 04.08.2016 happens to be more than pension/family pension as worked out in accordance with para 4 of OM dated 12.05.2017, the pension/family pension already being paid shall be treated as revised pension/family pension w.e.f. 01.01.2016.

4. Accordingly, the Indian Institute of Advanced Study (HAS), Shimla may workout the pension/family pension of its pre-01.01.2016 pensioners/family pensioners as per the formulations discussed above read with other principles enunciated in Department of Pension and Pensioner’s Welfare’s O.M. No. 38/37/2016- P&PW(A) (ii) dated 12.05.2017 and 06.07.2017 and subsequent OMs dated 18.07.2017 & 13.09.2017.

5. In the case of those employees who retired/died before 01.01.1986, the pension may be worked out on lines with these concordance tables given in Department of Pension and Pensioner’s Welfare OM No. 38/37/2016-P&PW(A) dated 06.07.2017 based on their notional pay as on 01.01.1986, which was fixed in accordance with this Department’s OM No. 45/86/97- P&PW(A) (iii) dated 10.02.1998.

6.The revision of pension and pensionary benefits such as gratuity etc. to those pensioners who retired on or after 01.01.2016 shall be done as per Department of Pension and Pensioner’s Welfare O.M. No. 38/37/2016-P&PW(A) (I) dated 04.08.2016. The revision of pension and pensionary benefits such as gratuity etc. are to be made applicable to only those who are already covered with the schemes which are in accordance with the similar schemes for Central Government employees.

7. This order is applicable in only those cases where such pension schemes have already been adopted with prior approval of Government of India/Ministry of Human Resource Development (MHRD) and the benefits was applicable as per Sixth CPC.

8. In case the Institute has fixed the pension in a manner different from the above formulations, the same may have to be reworked by the Institute and necessary adjustment be made.

9. Any excess payment made on account of incorrect fixation of pension or any other excess payment made shall be adjusted/ recovered against the future payments due or otherwise to the beneficiary.

10.The Indian Institute of Advanced Study (HAS), Shimla is hereby advised to review its user charges for increase in its internal revenue generation to take up a part of the pensionary burden.

11.Thisissueswith the approval ofthe Integrated Finance Division vide its note Diary No. 1143 dated 02.04.2019.

12.Hindi Version willfollow.

(Sanjay Kumar Singh)
Under Secretary to the Government of India


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Medical facilities to non-pensioners of the military: Historic day for Short Service Commissioned Officers, Emergency Commissioned Officers, World War II veterans and pre-mature retirees

, by indianmilitaryveterans

Medical facilities to non-pensioners of the military: Historic day for Short Service Commissioned Officers, Emergency Commissioned Officers, World War II veterans and pre-mature retirees

The Cabinet has today extended the Ex-Servicemen Contributory Health Scheme (ECHS) to the above categories of non-pensioners of the military.

Non-pensioner ‘ex-servicemen’ were initially granted medical facilities in Military Hospitals in 1970 but the same were discretionary. Later, ‘pension’ was made mandatory to avail such facilities. Again in 1997, the term ‘ex-pensioners’ was replaced by ‘ex-servicemen’ thereby restoring the facilities to non-pensioners having ‘ex-servicemen’ status such as Short Service Commissioned Officers and Emergency Commissioned Officers (SSCOs and ECOs) who were made entitled to Outpatient (OPD) facilities. However, in the late 2000s, the facilities were withdrawn by the office of the Director General Armed Forces Medical Services (DGAFMS) despite stiff resistance by the Army HQ.

The matter went into litigation wherein the Chandigarh Bench of the Armed Forces Tribunal (AFT) ultimately directed the Government to restore the facilities to the affected ex-servicemen. The Government though filed an appeal in the Supreme Court against the verdict of the AFT.

The matter was referred to a Committee of Experts, of which I too was a Member, which, after deliberating the subject, recommended the following:

(a) Existing limited outpatient medical facilities in MHs to non-pensioners holding the status of Ex-servicemen to continue as per already approved instructions and Services HQ to continue issuing and honouring Medical Entitlement Cards for such facilities as was the case till late 2000s. The entitled non-pensioners also continue to be eligible for medical reimbursement from Kendriya Sainik Board. It may be pointed out here that the said facilities are anyway not entitled to be granted to re-employed ex-servicemen or those who are members of any medical scheme.

(b) The unethical appeal filed against grant of such facilities to own personnel to which actually they were legally entitled to, be immediately withdrawn and such ego-fuelled actions be avoided in the future. We wish such persistence and exertion in pursuing such misdirected litigation is rather used for constructive activities.

(c) ECHS facilities for SSCOs as mentioned, as already approved in-principle by the then Raksha Mantri and mentioned in the Parliament on the floor of the House, be implemented forthwith by overcoming all objections. The same be made applicable to all SSCOs and ECOs and all other personnel released without the benefit of pension but on completion of terms with a gratuity, present and former, with certain amendments as deemed appropriate such as that the scheme can only be extended to the officer and spouse alone and that it would not apply to those who are re-employed with a cover of an organizational medical scheme. The issue of financial implication may not be relevant since firstly the scheme is contributory in nature, and secondly, the then Raksha Mantri has already made a statement to the effect on the floor of the house. Besides bringing succour to our veterans, it would act as a major morale booster to the rank and file and also help attract talent to the Short Service Commission Scheme.

(d) It is recommended that the Government must go all out to bolster the resources of the military medical establishment since they are rendering impeccable services in trying circumstances to our men and women in uniform. There should never be an occasion wherein doctors perform duties under pressure. An environment free of all encumbrances, external constraints and stress must be ensured for the medical establishment to function in an efficient manner

The recommendations were accepted by the then Raksha Mantri Mr Manohar Parrikar but were not given effect to for a long period. The Supreme Court had taken a grim view of the delay and had asked the Government to resolve the matter by April 2019.

The Cabinet has today approved the extension of ECHS to various categories of non-pensioners of the military and it is understood that on the appreciable insistence of the current Raksha MantriMs Nirmala Sitharaman, even other categories such as pre-mature retirees, which were not covered in the recommendations of the Committee of Experts or by judicial dicta, have also been brought in the ambit of the scheme. 

Broadly speaking, eligible beneficiaries and their spouses would be entitled to absolutely free Outpatient (OPD) facilities at ECHS polyclinics, however treatment and In-patient (IPD) facilities at ECHS empanelled hospitals would be on payment basis. Further, 50% of such expenditure would be reimbursable for personnel with 10 years service or less and 75% would be reimbursable for those with more than 10 years of service. 

This marks a closure to long drawn travails of affected officers and personnel. My congratulations to them.



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7th Pay Commission: Govt may soon fulfill long-pending demand of 9 lakh paramilitary personnel

, by indianmilitaryveterans

The government may announce these changes in the upcoming full Budget 2019, which will be presented by the new government at the Centre.

After the 7th Pay Commission's recommendation, the Ministry of Finance (MoF) has agreed to look into a long pending demand of army personnel, which includes the exemption of ration money, and risk and hardship allowance from taxes. As per reports, jawans of the Central Reserve Police Force (CRPF), Border Security Force (BSF), Central Industrial Security Force (CISF) and Indo-Tibetan Border Police (ITBP) and Sashastra Seema Bal (SSB) personnel will immensely benefit from the changes in existing rules.

The government may announce these changes in the upcoming full Budget 2019, which will be presented by the new government at the Centre. In all, the move will benefit over 9 lakh army personnel. The 7th Pay Commission, in its report, said allowance given as part of free ration to jawans should be exempted from the income tax.

Besides, the MP government has also increased dearness allowance (DA) for pensioners as part of the 7th Pay Commission's recommendations. The revised DA will be applicable from May. The government will also take a final decision on the arrears from January 2018 to April 2019 after the 2019 Lok Sabha Elections. DA is a cost of living adjustment allowance that is calculated as a fixed percentage of a person's basic salary or pension and paid to compensate for price rise stemming from inflation.

The Ministry of Personnel, Public Grievances and Pensions had recently approved an increase in incentives of highly qualified central government employees under the 7th Pay Commission. A five-fold increase will be made in the one-time incentives given to the employees if they acquire a higher degree while serving in their respective departments, as per the notification. A lump sum amount of Rs 2,000-Rs 10,000 would be given to those acquiring fresh higher educational qualifications.

In March, the Uttarakhand government also announced a hike in the DA by 3 per cent, taking it to 12 per cent. The decision would benefit over 2.5 lakh government employees and pensioners. The order will be applicable with retrospective effect from January 1, 2019. The state government also announced to waive off pending water bills estimated at Rs 70 crore of around 10,000 people rehabilitated at NewTehri due to the construction of the Tehri dam.


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Is Legal heir and Nominee the same?

, by indianmilitaryveterans

Is Legal heir and Nominee the same?

Will your Nominee get the money on your death?

Did you think that your nominee is the person, who will get all the money legally from your Life Insurance Policy and Mutual funds investments ?

That is exactly what we think!  But it is not so.

Read on...

Let us see how it actually does!

What is a Nominee ?

According to law, a nominee is a trustee, not the owner of the assets.
In other words, he is only a caretaker of your assets.

The nominee will only hold your money/asset as a trustee and will be legally bound to transfer it to the legal heirs.

For most investments, a legal heir is entitled to the deceased’s assets.

For instance, Section 39 of the Insurance Act says the appointed nominee will be paid, though he may not be the legal heir.
The nominee, in turn, is supposed to hold the proceeds in trust and the legal heir can claim the money.

A legal heir will be the one who is mentioned in the will.
However, if a will is not made, then the legal heirs of the assets are decided according to the succession laws, where the structure is predefined on who gets how much.

For example, if a man during his lifetime executes a will... In the will, he mentions his wife and children as legal heirs, then after his death, his wife and children are the legal owners of his assets.

It is essential that one needs to execute a will.
It is the ultimate source of truth and replaces the succession law.

Nominee can also be one of the legal heirs.

Why is the concept of Nominee ?

So you might be wondering, if the nominee does not become the sole owner, why does such a concept of a nominee exist at all ?

It is pretty simple. When you die, you want to make sure that the Insurance company, Mutual fund or your Shares should at least get out of the companies and go to someone you trust, and who can further help, in process of passing it to your legal heirs.

Otherwise, if a person dies and has not nominated anyone, your legal heirs will have to go through the process of producing all kind of certificates like death certificates, proof of relation etc., not to mention that the whole process is really cumbersome! (For each legal entity! The insurance company, the mutual funds, for the shares, for the real estate..) .
So, to simplify, if a nominee exists, these hassles do not happen, since the company is bound to transfer all your money or assets to the nominee.
The company then goes out of scene & then, it is between nominee and legal heirs.

Nomination in Life Insurance :

A policyholder can appoint multiple nominees and can also specify their shares in the policy proceeds. Nomination in life insurance has one limitation, as insurance policies are bought to secure your financial dependents, your first choice of nominee has to be your family members. In case you want to nominate a non-family member like a friend or third party, you will have to show/PROVE the insurance company that there is some insurable interest for the person. This happens because of a Clause called PRINCIPAL OF INSURABLE INTEREST in insurance. Note that provision of nomination in life insurance is related to Section 39 of the Insurance Act.

Nomination is a right conferred on the holder of a Policy of Life Assurance on his own life to appoint a person/s to receive policy moneys in the event of the policy becoming a claim by the assured’s death. The Nominee does not get any other benefit except to receive the policy moneys on the death of the Life Assured.
A nomination may be changed or cancelled by the life assured whenever he likes without the consent of the Nominee.

Make sure, you have a nominee for your policy for easy settlement of the claim,

Nomination in Mutual Funds :

In case of mutual funds, you can nominate up to three people, who can be registered at the time of purchasing the units. While filling in the application form, there is a provision to fill in the nomination details.

Even a minor can be a nominee, provided the guardian is specified in the nomination form.
You can also change nomination later by filling up a form which is available on the mutual fund company website.
Nomination in mutual funds is at folio level and all units in the folio will be transferred to the nominee(s). If an investor makes a further investment in the same folio, the nomination is applicable to the new units also.
A non-resident Indian can be a nominee, subject to the exchange control regulations in force from time to time.

Nomination in Shares :

In case of stocks, it does not work the usual way, if a will does not exist.

In the verdict, Justice Roshan Dalvi struck down a petition filed by Harsha Nitin Kokate, who was seeking permission to sell some shares held by her late husband.
The Court noted that as she was not the nominee, she had no ownership rights over the shares. Ms Kokate’s lawyer had argued that as she was the heir of her husband who had died intestate (without a will), she should have ownership rights of the shares, and be able to do anything with them as she wished.
In this case, Ms Kokate’s husband had nominated his nephew in favour of the shares. Justice Dalvi however noted that under the provisions of the Companies Act and the Depositories Act, Acts which govern the transfer of shares, the role of a nominee was different.

A reading of Section 109(A) of the Companies Act and 9.11 of the Depositories Act makes it abundantly clear that the intent of the nomination is to vest the property in the shares which includes the ownership rights there under in the nominee upon nomination validly made as per the procedure prescribed, as has been done in this case.

It means that if you have not written a will, anyone who has been nominated by you for your shares will be the ultimate owner of those stocks... The succession laws on inheritance will not be applicable... but, in case, you have made a will, that will be the source of truth.

Nomination in PPF :

You can nominate one or more persons as nominee in PPF. Form F can be used to change or cancel a nomination for PPF.
Also note that you cannot nominate anyone if you open an account for a minor.

Nomination in Saving/Current/FD/RD Account in Banks :

FD’s also come with nomination facility. While opening a new account, there is a column for nomination in the same form and you should fill it. You can nominate two persons with first and second option. Note that in case you have not done any nomination till now, you should request Form No DA-1 from your Bank which is used to assign a nominee in future.
In the same way to change/cancel the nomination, you need to fill up Form no DA-2.

Read about Corporate Fixed Deposits :

As per a famous case, A Bench of Justices Aftab Alam and R M Lodha in an order said that the money lying deposited in the account of the original depositor should be distributed among the claimants in accordance with the Succession Act of the respective community and the nominee cannot claim any absolute right over it.
Section 45ZA(2)(Banking Regulation Act) merely put the nominee in the shoes of the depositor after his death and clothes him with the exclusive right to receive the money lying in the account. It gives him all the rights of the depositors so far as the depositors account is concerned. But, it by no stretch of imagination make the nominee the owner of the money lying in the account, the Bench observed.


You need to be well versed with basic legal aspects and make sure you carry out all due arrangement .

Nomination is one important aspect you should seriously consider, when checking for the financial products you have bought or plan to buy in future.


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Please note few Important numbers

, by indianmilitaryveterans

Dear Veteran Brothers
Please note few Important numbers:

Whats App for suggestions on ECHS Matters:-9868857972

Complaints for Army issues :-9643300008

ECHS helpline:- 1800114115

Directorate of Ex-Servicemen Affairs:- 1800113999

Airforce helpline:- 1800115800

Navy helpline :-1800220560

Army helpline:- 1800116644 

Please share with all Veterans & Veernaris

Regards and Jai Hind 🙏🇮🇳


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, by indianmilitaryveterans

This is a case of a Army officers widow who was helped by Veterans Pension Group to get her correct pension.

The widow was a Professor in AFMC. She lost her husband in 1965 and she was sanctioned Special Family Pension (SFP) and is in her early eighties now.

Her case came to the notice of Cdr R W Pathak (Retd) when he was helping out one of the banks branch with calculations of arrears of Circular 568.

The widow was helped to get her corr PPO for LFP and has since been paid her arrears of Rs 71 Lakhs approx.

All War widows from 1947 to 1972 who had been sanctioned SFP were to get

LFP after the issue of GOI issued orders vide G.O.I, M.O.D. Letter No.

200847/Pen-C/71 dated 24.2.72. The orders stated that widows had to apply for this grant of LFP. How would any widow know of this letter is a question no one was able to answer. A sample check via RTI to Department of Sainik Welfare Maharashtra for details of number of War widows affected by the 1972 letter showed that whilst the Director DSW had no records of war widows from 1947 there was a discepency of 301 war widows whose details were missing from the numbers provided bt Director DSW and various ZSWO and they had taken no action to find out the status and ensure correct pension to War widows despite having a special pension cell working since 2013.

As a result of thsi RTI a total of 7 cases of affected war widows were resolved .

However it was found that whilst some widows were actually issued Corr PPO for LFP many were probably not.The matter was taken up with DESW and PCDA and on 30 Jan 2019 a meeting was called by Secretary DESW for sorting out this issue. During the meeting the representatives of CGDA and PCDA himself agreed that there was a problem. The AHQ representative agreed to provide details of 25000 War widows to PCDA so that details of pension being could be checked. The meeting was attended by representatives of War Widows Association and Cdr Pathak (Rep Veterans Pension Group).

It is hoped that with this many more cases of wrong payment of pension to widows will come to light


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UPI Is No Longer Free, You will be charged for Transaction

, by indianmilitaryveterans

Unified Payments Interface, which made transactions and transfers of money so much easier for us, will now come at a cost. Soon, P2P and UPI funds transfers will be chargeable by some banks and it won’t take long for other banks to implement this rule.

UPI transactions were, up until now the only mode of transfers which were free of charge, but this sudden decision is sure to make a dent in the ease of the much-loved mode of online transactions.

These charges will be applicable from May 1, 2019.

Kotak Mahindra Bank is the first one in line and has announced that charges will be applicable on UPI payments. After the first 30 transactions in a month, Kotak plans to levy a charge on each P2P and UPI transactions, and this includes the transfer of money using the bank account number and IFSC (Indian Financial System Code).

Rohit Rao, who is Kotak Mahindra Bank’s Chief Communication Officer said, “While we continue to offer the first 30 P2P UPI transactions per month at no cost, charges are being introduced only for all subsequent UPI P2P fund transfers, beyond the monthly 30 free transactions.”


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