Monday, 23 October 2017

Interesting facts

दुनिया के इन रोचक तथ्यों के बारे में नहीं जानते होंगे आप

दोस्तों आज मैं आपको दुनिया की कुछ रोचक तथ्य बताने वाला हूं यह तथ्य सुनने के बाद ऐसा लगता नहीं है कि यह सच होंगे पर फैक्ट यह है कि यह सब बिल्कुल सच है |

1.लाइटर की खोज माचिस से पहले हुई थी |

2.राइट हैंडेड लोग औसतन लेफ्ट हैंडेड लोगों से ज्यादा जीते हैं |

3.एक मनुष्य के लिए अपनी ही कोहनी चाटना असंभव होता है |

4.Apple कंपनी के फाउंडर स्टीव जॉब्स के कार पर कभी नंबर प्लेट नहीं लगी |

5.सपने में आने वाले दृश्यो को हमने अपने जीवन में एक बार जरूर देखा होता है |

6.मनुष्य 300 हड्डियों के साथ जन्म लेता है पर 18 साल का होते वह 206 रह जाती है |

7.तितलियां किसी भी चीज का स्वाद अपने पैरों से लेती है |

8.जब आप झूठ बोलते हैं तो आपकी नाक गर्म हो जाती है | 

9.महिलाएं औसतन हर रोज 20000 शब्द बोलती है जबकि पुरुष केवल 7000 शब्द बोलते हैं |

10.चीटियां कभी भी सोती नहीं है |

11.ठंडे पानी की अपेक्षा गर्म पानी जल्दी आइस में बदल जाता है |

12.पुरुषों के शर्ट के बटन राइट साइड पर जब की महिलाओं के लेफ्ट साइड पर होते है |



Dearness Relief for Bank Pensioners for the period August 2017 to January 2018

Dearness Relief for Bank Pensioners for the period August 2017 to January 2018

Ro-Ro ferry service

Excerpts of the PM’s address on inauguration ceremony of Ghogha-Dahej Ro-Ro ferry service & cattle feed plant in Ghogha, Gujarat

यहां उपस्थित विशाल संख्‍या में पधारे हुए मेरे प्‍यारे भाईयो और बहनों, 

आप सबको दीपावली और नवीन वर्ष की शुभकामनाओं के साथ, अभी हम लोगों ने भाई दूज का त्‍यौहार मनाया नागपंचमी के त्‍यौहार का इंतजार कर रहे हैं और नये संकल्‍प के साथ, नये भारत, नये गुजरात के निर्माण की दिशा में आज एक अनमोल उपहार घोघा की धरती से पूरे हिन्‍दुस्‍तान को मिल रहा है। आज घोघा दहेज के बीच Ro-Ro ferry service का प्रथम चरण का शुभारंभ किया जा रहा है। ये भारत में अपनी तरह का पहला project है। यही दक्षिण पूर्वी एशिया का भी ये इतना बड़ा पहला project है। मैं गुजरात के लोगों को, यहां की सरकार को, 650 करोड़ रूपयों का ये project, अनेक आधुनिक तकनीक के साथ परिपूर्ण करने के लिए बहुत-बहुत बधाई देता हूं। इस project की शुरूआत के साथ साढ़े छ: करोड़ गुजरातियों का एक बहुत बड़ा सपना पूरा हुआ है। भाईयो बहनो 

अभी इस मंच से मुझे सर्वोत्‍तम डेयरी cattle feed plant के उद्घाटन का भी अवसर मिला है। 
Thought Of The Day!!!
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AIBOC Urges Centre to Stop Mandatory Aadhaar Linking with Bank Accounts Until Supreme Court Directive

AIBOC Urges Centre to Stop Mandatory Aadhaar Linking with Bank Accounts Until Supreme Court Directive

Sunday, 22 October 2017

PMLA: Banks to now match original IDs with photocopies

New Delhi, October 22
The Government has made it mandatory for banks and financial institutions to check the original identification documents of individuals dealing in cash above the prescribed threshold, to weed out the use of forged or fake copies.
The Department of Revenue in the Finance Ministry has issued a gazette notification making an amendment to the Prevention of Money-laundering (Maintenance of Records) Rules.
The new rule now requires the reporting entity to compare “the copy of officially valid (identification) document so produced by the client with the original and recording the same on the copy”.


Dear all,
Happy Sunday 

It is  1015th post "SMALL AND BIG" as this week's Sunday Story " in Envius Thoughts in  for your lind read, encouragement  support and comment. 
The following posts were made during the last week.
1 21/10/2017.1014th  FRIEND WITH BIRDS Part II
2.20/10/2017.1013th  Scientist Chandrasekhar's Birth Day 19th October
3.19/10/2017 1012th  Ugly Exhibition.
4 18/10/2017 1011th  Joy of Giving Day-Deepavali!.
5 17/10/2017 1010th.Nobel Peace for Teresa today.
6.16/10/2017 1009th Envius Thoughts 111111 .
7 16/10/2017  1008th World Food Day October 16th

ENVIUS THOUGHTS crosses 1,12 000 views.
I am glad to share with you that with the 81st view at 14.40 hours yesterday viz Saturday  the 21st October 2017, total views of ENVIUS THOUGHTS  crossed ONE LAKH  AND TWELVE THOUSAND (1,12,000) from more than 210 countries  around the world on the 946th day and 1014th post, thanks to your support and encouragement. Kindly continue. Thanks aplenty.
 With regards.
N V Subbaraman
 Editor, Young Poet,
12 / 1045 Jeevan Bhima Nagar,
Chennai - 600101
Visit my blog:


Thought Of The Day!!
Regards, E.R.Iyer

Saturday, 21 October 2017

3rd & 4th October, 2017 SZ & SCZ AIRIEF MEET, MYSURU

Dear  friends, OBs,Delegates,EC Members SZ & SCZ AIRIEF,Mysore,

   1)The baton of conducting,leading,guiding as PRESIDENT of SZ COUNCIL MEET was handed over to me .On my right was dear AIOS,Sri Angurajan & leftPresident, Sri SSSaxena & GS Sri GKrishnaswamy.

   2)Gladly accepting the honour & privilege but  with responsibility,I decided to deviate from routine ,normal proceedings but to take a HOLISTIC picture of the Scenario of LIC Pensioners, Regular & Family,TP,ZONEWISE, to always remember the role & responsibility cast on AIRIEF, OBs, EC Members to rise to the occasion to fulfil the same.

     I then read out the statistical data of the BIGGEST ZONE WZ, with a total of more than 10,500 pensioners,just few years before , with 23.5% of AITP
    Importance of SZ & SCZ is underlined as these 2 together constitute almost 7100each ie TOTAL of 14,200m 15.7 % each
    They should be harbingers of growth to boost Parent AIRIEF strength at any given point of time,while all round efforts must be made to bring a semblance of development in all areas of activity of RIEAs of OTHER 6 ZONES, including WZ,which must become AIRIEF KAMADHENU

Aruapadai Calendar 2018

RBI clears Aadhaar air, says linking mandatory for bank accounts under laundering rules

By ET Online | Updated: Oct 21, 2017, 03.27 PM IST
RBI on Saturday issued a clarification, saying linking of Aadhaar with bank accounts was mandatory in cases under prevention of money-laundering rules. The central bank was responding to news reports that quoted an RTI reply on linking the 12-digit biometric number with accounts by December 31.
These rules have statutory force and, as such, banks have to implement them without awaiting further instructions.
The government has made it mandatory to link bank accounts with Aadhaar and some banks have been pushing for it. The deadline to do so is December 31.
The RTI query was filed by
The Supreme Court has already established that Aadhaar is not illegal and privacy is not absolute. However, the upcoming decision is yet to clarify if making it mandatory is legal. Hence, if the government has its way, bank accounts not linked to Aadhaar will cease to become operational and consequences could be worse than that of demonetisation.
Should you wait for the Supreme Court ruling then?
Considering that the rule to make Aadhaar mandatory for opening new accounts has already been enforced by banks following the finance ministry directive, it would appear that as per current situation, existing account holders will not be given an exemption.
Exemption given only to small accounts
Not all types of bank accounts will become un-operational if they are not linked with Aadhaar before the deadline. Small accounts are exempt from this directive as these can be opened even without Aadhaar.
A small account is a bank savings account where:
1. The aggregate of all credits in a financial year does not exceed Rs 1 lakh;
2. The aggregate of all withdrawals and transfers in a month does not exceed Rs 10, 000;
3. The balance at any point of time does not exceed Rs 50, 000.

Now, buy NSC, MIS from banks Govt permits public banks, 3 private lenders to accept small savings deposits

New Delhi, October 20
To encourage savings, the government has allowed banks, including top three private sector lenders — ICICI Bank, HDFC Bank and Axis Bank, to accept deposits under various small savings schemes such as National Savings Certificate (NSC), recurring deposits and monthly income scheme (MIS).
Until now, most of the small savings schemes were sold through post offices.

According to a recent government notification, banks can also sell National Savings Time Deposit Scheme 1981, National Savings (Monthly Income Account) Scheme 1987, National Savings Recurring Deposit Scheme 1981 and NSC VIII issue. As per the notification, all public sector banks, ICICI Bank, HDFC Bank and Axis Bank to receive subscription from the expanded portfolios.
So far, these banks were allowed to receive subscription under Public Provident Fund, Kisan Vikas Patra-2014, Sukanya Samriddhi Account, Senior Citizen Savings Scheme-2004.

Increased outlets for selling small savings schemes would result in higher mobilisation.

Last month, the government kept unchanged interest rates on small savings schemes for the October-December quarter. Since April last year, interest rates on all small saving schemes have been recalibrated on a quarterly basis.

Investments in the public provident fund (PPF) scheme will fetch annual rate of 7.8 per cent while Kisan Vikas Patra investments will yield 7.5 per cent and mature in 115 months.

The one for girl child savings, Sukanya Samriddhi Account Scheme, will offer 8.3 per cent annually. Similarly, the investment on the five-year Senior Citizens Savings Scheme will yield 8.3 per cent. The interest rate on the senior citizens scheme is paid quarterly.

On the basis of the government decision, interest rates for small savings schemes are to be notified on a quarterly basis since April 1, 2016, the ministry said while notifying the rates for the third quarter of the financial year 2017- 18. 

Flat 12% GST on all restaurants

Eating out may get cheaper as government plans flat 12% GST on all restaurants

NEW DELHI: Eating out in air-conditioned comfort could get cheaper if a proposal to fix the goods and services tax (GST) at a flat 12 per cent on all restaurants is adopted by theGST Council. But this could also mean them losing the benefit of input tax credit.

Air-conditioned restaurants currently charge 18 per cent GST and non-air-conditioned ones charge 12 per cent GST. Unifying the rate may mean giving up the ability to claim back taxes paid on inputs.

"It has been felt that the restaurants have not passed on the benefit of input tax credit to consumers," said a government official, who said the lower rate of 12 per cent may be extended to cover the entire sector. The GST Council had set up a panel to look into the matter.The industry lobbied for a 12 per cent rate for all restaurants but with the benefit of input tax credit kept intact. Incidentally, restaurants with an annual turnover of up to Rs 1 crore can avail of the composition scheme — a flat 5 per cent tax without input tax credit and easier compliance requirements that's meant to support small businesses.


Representations were made to the panel about restaurants not passing on the benefit of input tax credit while levying 18 per cent GST, the official said. After the imposition of GST on July 1, taxes on such services rose to 18 per cent from 15 per cent but the rationale was that input tax credit would neutralise the increase.

Following lobbying by the industry, the GST Council set up a panel under Assam Finance Minister Himanta Biswa Sarma to make the composition scheme more attractive and revisit GST rates on restaurants. The panel, which had been asked to give its report in two weeks, has finalised its recommendations, said the official cited above.


Thought Of The Day!!!!!
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Regards, E.R.Iyer

Determination of Ceiling Prices of Drugs


1.         The Government has been examining the Drugs (Prices Control) Order, 2013 (DPCO) with a view to enhancing the accessibility and affordability of essential medicines at reasonable prices to the poor and needy while providing sufficient opportunity for innovation and competition to support the growth of the Pharmaceutical Industry. The Government has been actively interacting with the Industry and other stakeholders on these issues. Any impression regarding tightening of price control is both misleading and misplaced.

2.         Under the provisions of DPCO,the prices of only those medicines  are fixed which are in the National List of Essential Medicines (NLEM),numbering about 850 against more than 6,000 medicines available in the market of various strengths and dosages.  This constitutesapproximately 17% of the total pharmaceuticals market, in value terms.  There is an Expert Committee which continuously evaluates the list of Essential Medicines.

3.         Important issues under consideration of the Department are i) treating the drugs which have become non-scheduled as non-scheduled drugs without any freezing of their prices for a further year; ii)  revision of the list of scheduled medicines on the basis of revision of NLEM by incorporating only additions and deletions to the list so that the prices of only ''new medicines" which are added to the NLEM will be fixed by NPPA; iii) limiting the determination of overcharged amount of a medicine found to be sold at higher than the ceiling price to the stock available with the defaulter; iv) In case of negative WPI, mandating the NPPA to change the ceiling price of scheduled drugs and not require the individual drugs to also reduce their MRPs if they are already lower than such revised ceiling price; etc.  Other issues include new provisions for using Institutional price data for fixation of prices of those scheduled medicines which are being supplied directly to the Healthcare Institutions.

4.         Any changes in the methodology of calculating ceiling prices of scheduled medicines are presently  not under consideration.

5.         As regards "new drugs" as defined in DPCO 2013, the Government is considering a change in the method of approving their prices. The Government is in consultation with the Industry to explore doing away with the present practice of deciding a new price for each applicant of "new drug", which is causing considerable time delay in launch of the new drugs in the market by the manufacturers. 

6.         The Department has constantly interacted with stakeholders and would further consult all concerned before finalising these proposals.


Department of Pharmaceuticals

New Delhi, 20th October, 2017



Implementation of Govt. decision on the recommendations of the Seventh Central Pay Commission in respect of the Post-01.01.2016 retired Armed Forces Pensioners/ Family Pensioners : Reg. New PPO Series circular No. 588

Friday, 20 October 2017

The 5,Strangest Cities in the Worlx

The 5 Strangest Cities in the World

Each city is unique in the world, but some of them are so extraordinary that it is difficult to believe that they really exist.
Baap of khabar found for you the strangest cities on our planet. We recommend you to spend a long holiday.


Dear pensioner colleagues, Namaskar.
   Hope, the recent festivals could have reinforced some fresh
energetic blood into each and every one of us. Thanks to those festive occasions for having given us a brief-break to our years long
unfulfilled ambitions and aspirations. Majority of us  could have felt short of funds in celebrating these functions with a little more ease,mirth and gaiety along with our family members. But spring comes only after autumn. So, the reverse trends of the present day stiff resistance & tyrannies are approaching  fast. Let us wait for a few more days.
   The recent deliberations in the recent meeting of Zonal Councils at Mysuru give us hopes that our renewed plans and efforts towards legal battle at Supreme Court would certainly yield the desired results. The exhaustive report of our General Secretary, Sri. G.Krishnaswamy, about
Zonal Councils meeting at Mysuru shows a fresh path of war against the bureaucracy with added quote of case-laws and decisions. He has taken much pains in preparing a " Note " to guide Zonal Councils and
Divisional Associations as to how to function effectively. He has
brought out  a model  " Form of Application " for new entrants.
   It is learnt that Sri. M.P.Agnihotri, leading member in the Legal
Team, addressed the delegates at Mysuru with details of the recent
arguments in the Supreme Court, our Sr.Counsels guidance and how SC has directed LIC to file their reply to our SLP within the time frame of 3 weeks,which they prayed for. It was informed that the gathering heard the reporting of Sri.Agnihotri more than an hour amid pin-drop silence and the house was satisfied with the present plans and strategies contemplated. Words fail to praise the sacrifices and service rendered by our active leaders,                   (
Particularly our President Sri. S.S.Saxena, Vice Presidents  M/s
R.B.Kishore, Pramod Bhatnagar, G.T.Parikh, General Secretary Sri.
G.Krishn aswamy, Sri. M.P.Ahnihotri (member, Legal Committee ), Sri.
D.D.Gupta, Sri. Ranjan Dey Sarkar ) and some other assisting
activists, in shouldering and exhibiting their responsibilities for a common cause. The full backup support extended to the team with
instant calculations by Sri R.K.Sahni is note-worthy.
   It is also understood that our present SLP has been prepared
cautiously, diligently, in a novel way, with the sole aim of convincing the Judiciary and exposing the gimmick figures presented to
the Court to deny us the justice. Poor Management ! Time has come to wind-up their foul & unethical attempts.
   The high-drama in SC is to commence from 10th January, 2018. Our legal team under the leadership of our new veteran Sr.Counsel Sri K.T.S.Tulsi is fully prepared to submit our fitting rejoinder, once LIC files its reply to our SLP.
   Let us be assured that better days are ahead and they would dawn shortly. In the meantime, please get in touch with our Divisional Secretaries and our Official AIRIEF Website and keep yourself updated with latest developments. It would benefit us more if we start interacting with our colleagues then and there.

( AIRIEF Website ) :-

With greetings,

Clarification on Tatkal Booking

Railways' Clarification On Tatkal Booking Rules, Timings, Cancellation Charges

Modification of ticket in any form is not permitted in Tatkal ticket.

Railways' Clarification On Tatkal Booking Rules, Timings, Cancellation Charges

No concession is allowed in Tatkal booking.

IRCTC through its website offers online Tatkal reservation facility for the benefit of passengers. Tatkal facility helps passengers plan their journey at the last moment. Under the Tatkal online booking facility, customers can go to IRCTC website and book tickets on 'first come first served' basis by paying Tatkal charges. After reports on social media and some websites that Tatkal booking and cancellation rules will change from July 1, 2017, Indian Railways has issued a clarification, saying that there have been no changes. "It has been noticed that a news item is in circulation in various social media platforms, WhatsApp groups, and some websites which mentions that Indian Railways is introducing several changes and new facilities with effect from 1st July, 2017. This news is totally incorrect and baseless," the Railways said in a statement on June 30.

In this context, the Railways also reiterated the existing Tatkal reservation and cancellation rules 

The booking timings for Tatkal tickets were changed in 2015 with booking for AC classes opening at 10:00 AM and for Non-AC classes at 11:00 AM (one day in advance of actual date of journey excluding date of journey). There has no change in these timings and the same arrangement is continuing, the Railways said.

Again, there is no change in the refund rules of Tatkal tickets, the Railways said. Under the existing rule, no refund is granted on cancellation of confirmed Tatkal tickets/duplicate Tatkal tickets. This rule continues to be in operation.

Here are other things to know about the Tatkal reservation rules:

A maximum of four passengers per PNR can be booked on Tatkal e-tickets.

Tatkal charges per passenger are in addition to normal tickets.

Premium Tatkal Facility: From October 2014, in select trains, a premium tatkal facility was introduced and tickets are sold on dynamic pricing. Fares go up depending on percentage of berths sold subject to a maximum cap.

No concession is allowed in Tatkal booking.

Modification of ticket in any form is not permitted in Tatkal ticket.

The Tatkal charges have been fixed as a percentage of fare at the rate of 10 per cent of basic fare for second class and 30 per cent of basic fare for all other classes subject to minimum and maximum as given here below, according to the IRCTC website.
Class of travelMinimum Tatkal charges (in Rs)Maximum Tatkal charges (in Rs)Minimum distance for charge (in km)
Second (sitting)1015100
AC Chair Car125225250
AC 3 Tier300400500
AC 2 Tier400500500

PM greets Gujaratis across the world on the beginning of New Year

Press Information Bureau 

Government of India

Prime Minister's Office
20-October-2017 10:03 IST
The Prime Minister, Shri Narendra Modi has greeted Gujaratis across the world, on the beginning of New Year. Gujaratis mark the start of a New Year a day after the Diwali. 

"Saal Mubarak to all Gujaratis across the world. May the coming year bring happiness, prosperity and lead to fulfilment of your aspirations.", the Prime Minister said.


RBI says linking bank account with Aadhaar not mandatory: Report

RBI says linking bank account with Aadhaar not mandatory: Report

By Online Desk  |   Published: 19th October 2017 04:48 PM  |  

Last Updated: 19th October 2017 05:06 PM  |  A+A-   |  

The Reserve Bank of India (RBI) seal is pictured on a gate outside the RBI headquarters in Mumbai October 29, 2013.|REUTERS

Image used for representational purpose only. (File photo | Reuters)

In the wake of banks threatening their customers with the suspension of accounts for failing to link with Aadhar, the Reserve Bank of India (RBI) has said that it "has not issued any instruction so far regarding mandatory liking of Aadhaar number with bank accounts." The central bank revealed the information in response to an RTI application filed by Yogesh Sapkale of news website

The response indicates that the decision on mandatory linking of bank accounts with Aadhaar comes from the central government alone and not the RBI.

RBI said: "The Government has issued a Gazette Notification GSR 538(E) dated 1 June 2017 regarding Prevention of Money laundering (Maintenance of Records) Second Amendment Rules, 2017, inter-alia,
making furnishing of Aadhaar (for those individuals who are eligible to be enrolled for Aadhaar) and permanent number (PAN) mandatory for opening a bank account. It may be noted that Reserve Bank has not yet issued an instruction in this regard".

Even though the Supreme Court has restricted the usage of Aadhaar to six schemes, the Central government has made it mandatory to link Aadhar for over 50 centrally-sponsored schemes. Legal experts have questioned the validity of the order, which blatantly violates the Supreme Court order on Aadhar.

The article points out that the Section 7 of the Aadhaar Act says giving the Aadhaar number is required for receiving benefits or services for which expenditure comes from Consolidated Fund of

India. But a person who is a bank customer mostly uses his or her own money for the account, and not from the Fund.