CLASSIC NARAYANAN JOKE 1962

https://airiefvision.wordpress.com/wp-content/uploads/2026/07/img-20260724-wa0052.jpg

IBA NOTIFICATION DATED 30.11.2002 AMENDMENT OF REGULATION 35(1)

Re-employment of Senior Citizens वरिष्ठ नागरिकों का पुनर्नियोजन | StaffNews

Re-employment of Senior Citizens  वरिष्ठ नागरिकों का पुनर्नियोजन | StaffNews: 

Re-employment of Senior Citizens  वरिष्ठ नागरिकों का पुनर्नियोजन: Rajya Sabha Starred Question No. 40 answered on 22.07.2026

Technical Glitches on the E-Filing Income Tax Portal आयकर ई-फाइलिंग टैक्स पोर्टल पर तकनीकी गड़बड़ियां | StaffNews

Technical Glitches on the E-Filing Income Tax Portal आयकर ई-फाइलिंग टैक्स पोर्टल पर तकनीकी गड़बड़ियां | StaffNews: 

.Technical Glitches on the E-Filing Income Tax Portal आयकर ई-फाइलिंग टैक्स पोर्टल पर तकनीकी गड़बड़ियां: Lok Sabha Unstarred Question No. 60 answered on

*Civil Appeal No.7993 of 2023 in M. C. Singla (Dead) & others

*Civil Appeal No.7993 of 2023 in M. C. Singla (Dead) & others Vs Union of India & others before the Hon'ble Supreme Court of India - Very Important and Valid  Provisions available in favour of Appellants/Pensioners and to be presented on 12.08.2026.*🙏

*.... E V Rao, Senior Manager (Retd), eAndhra Bank, Hyderabad.*👇

The case exclusively relates to about 8,00,000 Senior Citizen Pensioners of Banks above the age group of 61 to 95 years.

The Basic Pension fixed at the time of Superannuation/ Retirement of Bank Employees is not updated/revised  for more than 40 years. 

Bank Pensioners are entitled rightfully to get their Basic Pension Revised/ Updated on RBI lines periodically, as per settlements on wage/salary revisions for Bank Employees, as was envisaged in Bipartite Settlement on Pension Scheme for Bank Employees dated 29.10.1993, Decisions of Small Committee,  constituted exclusively on the subject matter of pension scheme to Bank Employees, dated 26.3.1994  and under Regulation 35(1) of Bank Employees Pension Regulations (BEPR), 1995.

*Issue involved in the case* is non-compliance of Pension updation/revision for Bank Employees on RBI lines for about 40 years.

*The salient provisions available in the above mentioned Settlement, Small Committee decisions and BEPR - 1995 are as follows:* 

*(1) Clause 12 of Pension Settlement dated 29.10.1993 reads as under:*

"Provisions will be made by a scheme, to be negotiated and settled between  the parties to this Settlement by 31st December, 1993 for applicability, 

qualifying service,

amounts of pension, 

payment of pension, 

commutation of pension, 

family pension, 

 *updating* and other general conditions etc.,

on the lines in force in the Reserve Bank of India."

*(2) Small Committee Meeting decisions dated 26.3.1994 states as under:*

"(i) The draft circulated was mutually accepted by the parties. The following points were further discussed and accepted;

"(ii) Formula for *updating pension should be on the lines of the same given in the Reserve Bank pension scheme.* Any change therein should be introduced only after mutual agreement."

*(3) The original Regulation 35(1) of BEPR, 1995 states as under:* 

 "In respect of employees who retired between 1st day of January, 1986, but before the 31st day of October, 1987, basic Pension and additional Pension will be updated as per formula given in Appendix - 1."

*Amendment to Regulation 35 (1):*

Regulation 35(1) was amended in 2003 as follows:

"Basic Pension and additional Pension where applicable shall be updated as per the formula given in Appendix - 1."

All the above three conditions embodied in Settlement 1993, Small Committee Meeting decisions 1994 & BEPR - 1995 have entitled the Bank Pensioners to get their Pension updated/revised as was done in RBI from time to time, but the Banks and their representative IBA are diverting the matter in a misleading manner that there was no provision for Pension Updation/Revision and 

Pension Trust Fund is not sufficient to meet the cost of any updation/revision of pension for Bank Employees.

*(4) Sub Regulation 3 of Regulation 5 of BEPR, 1995, Chapter III - Constitution of the Pension Fund* 

Regulation 5(3) of BEPR, 1995 categorically prescribes as follows:👇

*The Bank shall be a contributor to the Fund and shall ensure that sufficient sums are placed in it to enable the trustee to make due payments to beneficiaries under these Regulations.* 

👉 *The Banks have transferred the entire outstanding balance of Employer's Contributory Provident Fund, payable to the Employees on their retirement, to the respective Pension Fund Trusts while implementing the BEPR - 1995.*

Therefore, Pension updation has nothing to do with Pension Funds. Pension, DA, periodic Pension Updation along with Wage Revisions are not subject to fund availability or financial feasibility in view of condition stipulated, under Regulation 5(3) of BEPR - 1995, on contribution of sums to be placed in pension fund by the Employer Banks. These settled rights are arised from the Provisions of the Pension Agreement, Small Committee Decisions and Pension Regulations1995.

More than 8,00,000 Bank Pensioners are in  need of immediate justice  because they are aged between 61 and 95 years, ailing and in the dying category. This trend continues since the Pension Scheme started from 1986 onwards in the Banking Sector. More than 2 lakh pensioners have died due to old age and diseases.

The right to Pension Updation in line with RBI Pension Scheme was denied to Bank Pensioners who entitled rightfully to get their Basic Pension revised/ updated alongwith every Bipartite Settlement on wage/salary revision for Bank Employees. 

On account of the most inhuman and regressive approach of management of Public Sector Banks & non-legal body of their representative i.e IBA, the interests of Pensioners are jeopardized.

*(5) Pension Scheme in Public Sector Banks*   was introduced totally on terms and conditions as in RBI Pension Scheme/ CCSR, 1972 & CCS (Commutation of Pension) Rules, 1981. Accordingly under Clause 35 (1) Basic Pension of Pensioners between 1.1.1986 and 31.10.1987 was updated in view of 5th Wage revision Settlement effective from 1.11.1987. _The period of 10 (ten) months between 1.1.1986 and 31.10._ Therefore Periodic Pension Updation/Revision alongwith Wage revision was an implemented and admitted condition.The Representatives of Indian Banks Association & Banks and 9 Unions representing the Bank Employees were parties and signatories to Pension Settlement dated 29.10.1993 and Small Committee decisions. They have jointly reiterated that the RBI Pension Scheme is the bed-rock of the Bank Pension Scheme in their meeting held in the month of November,1997.

*(6) RBI Pension Scheme was finalized in 1990, implemented from 1.1.1986* duly updating  basic pension in relation to then wage Revision for 1.1.1986 and till 31.10.1987. RBI Pension was further revised in 2003 covering Pensioners till 31.10.1997. Again revised from March, 2019 covering Pensioners till 31.10.2012 and from June, 2023 covering till 31.10.2017 Pensioners. But, nothing was done in Public Sector Banks covered under Pension Settlement referred above.

*(7) The management of Banks have not honoured the Settlement/ Regulations/ Committee decisions* and have not revised Pension on RBI Pension Revision line, except for period from 1.1.1986 and till 31.10.1987. 

*(8)Regulation 56 of BEPR, 1995 states on Residuary Provisions as follows:*

*"In case of doubt, in the matter of application of these regulations, regard may be had to the corresponding provisions of Central Civil Services Rules, 1972 or Central Civil Services (Commutation of Pension) Rules, 1981 applicable for Central Government employees with such exceptions and modifications as the Bank, with the previous sanction of the Central Government, may from time to time, determine."*

*(9) If all three nprovisions as mentioned in para  (1), (2), (3) & (4) hereinabove are read together,* they all jointly and severely speak in most unambiguous terms the condition of Pension updation on RBI line, but Banks have not complied to their mandatory obligation.

*(10) Suppressing & hiding all aforementioned relevant provisions* pertaining to Pension Updation and Contribution to be placed by the Employer Banks to Pension Fund, the Indian Banks' Association,  on behalf of respondent banks, has contended in it's affidavit dated 26.8.2022 that there is no Provision for Pension Updation in BEPR - 1995, sufficient funds are not available to consider pension updation and that Bank Pensioners are demanding Pension parity with Central Government employees, which is totally false, untrue, misleading and contrary to the facts narrated hereinabove. The fact is that there has been pension updation provision in BEPR,1995 from day one and it is there even today in more mandatory terms and the Employer Banks should contribute required sums to make due payments to pensioners under Regulation 5(3) of BEPR, 1995. Further, Bank Pensioners are not demanding Pension parity with Central Government employees, but demanding Pension updation on RBI line as was envisaged in Pension settlement, Regulations & decisions of Small Committee.

*(11) IBA has filed false affidavit dated 26.8.2022 and committed guilty contempt of Hon'ble Supreme Court* for misleading them with an intention to derive undue favour by suppressing and hiding material truths in its affidavit and liable for exemplary  punishment so that no one can dare to do such things in future.

SUBMISSION OF LIVE CERTIFICATEON AND AFTER 01.08.2026

ALL LIC PENSIONERS & FAMILY PENSIONERS, 

 We are near to end the month of July 2026 and to enter in the month of August 2026. In August 2026, we all are to submit our *Live Certificates* to get our pension every month continuously. 

So for that purpose, we are to use our online link i.e. *Jeewan Saakshya* thru LIC App i.e. *LIC DIGITAL* or it is to submit by submitting on paper thru any our LIC office, physically. 

Then for the purpose we are to download first the App *LIC DIGITAL* on our mobiles from Google Play. Please be ready to use the link *Jeewan Saakshya*  thru this downloaded App *LIC DIGITAL* on 01.08.2026 till the end of third week of August 2026. So that pension may be released regularly like before August 2026.

R K SAHNI 

SBI Asha Scholarship 2026-27 | SBI Foundation Platinum Jubilee

SBI Asha Scholarship 2026-27 | SBI Foundation Platinum Jubilee

SBI Asha Scholarship 2026-27 | SBI Foundation Platinum Jubilee Apply online for the SBI Foundation Asha Scholarship 2026-27. Awards of ₹15,000–₹20,00,000 for students from Class 9 to overseas study. Free, fully online, direct bank transfer.

Finance Act 2026: Constitutional Challenge to Retrospective Amendments

Finance Act 2026: Constitutional Challenge to Retrospective Amendments
 
Click below :-

https://taxguru.in/income-tax/finance-act-2026-constitutional-challenge-retrospective-amendments.html?utm_source=follow.it

Beware of Fake ‘Tax Authority Checklist for July 2026’ Income Tax Email

Beware of Fake ‘Tax Authority Checklist for July 2026’ Income Tax Email 

Click below:-

https://taxguru.in/income-tax/beware-fake-tax-authority-checklist-july-2026-income-tax-email.html?utm_source=follow.it

MC Singla case extract of SC Order in Dairy No 4295/2016o

  NO.21               COURT NO.2               SECTION IV (PH)               S U P R E M E  C O U R T  O F  I N D I A                       RECORD OF PROCEEDINGS Civil Appeal  No(s).  7993/2023 M.C. SINGLA (DEAD) THR. LR. & ORS.                 Appellant(s)                                VERSUS UNION OF INDIA & ORS.                              Responden

                    UPON hearing the counsel the Court made the following                      

                                   O R D E R 

We have heard Mr. Dhruv Mehta, learned senior counsel appearing for the respondent-Indian Banks Association, at length. Learned counsel appearing for the respondentPunjab National Bank seeks time to file additional affidavit along with additional documents elaborating 3

upon the issues raised in the Court, The respondents shall, in particular, respond to the submission advanced by learned senior counsel appearing for the petitioner(s) that the updation provided under Clause 35(i) of the 1995 Regulations, as amended in 2002, would apply across the board to all employees, and that such updation has not been extended while computing the pension payable to the retired employees on an annual basis. 

The additional affidavit shall also contain the 7th Bipartite Settlement onwards up to the 12th Bipartite Settlement, particularly in relation to the merger of Dearness Allowance for the purpose of calculation of pension, along with the corresponding Joint Notes. 

The relevant extracts of the aforesaid Bipartite Settlements may be filed and it shall not be necessary to file the entire settlements, which shall be kept available with learned counsel. 

List these matters again for further hearing on 12th August, 2026, as PART-HEARD. 

(SONIA BHASIN) 

ASSISTANT REGISTRAR-CUM-PS 

(RANJANA SHAILEY)

ASSISTANT REGISTRAR

22.07.2026

PIL In Delhi High Court Seeks NIA Probe Into CJP Protest, Alleges Foreign Funding Behind NEET Agitation

PIL In Delhi High Court Seeks NIA Probe Into CJP Protest, Alleges Foreign Funding Behind NEET Agitation

Click below:-

https://www.livelaw.in/high-court/delhi-high-court/pil-in-delhi-high-court-seeks-nia-probe-into-cjp-protest-alleges-foreign-funding-behind-neet-agitation-542451

Will Set Up Fast Track Courts For Paper Leak Cases : PM Says Amid Student Protests

Will Set Up Fast Track Courts For Paper Leak Cases : PM Says Amid Student Protests

Click below:-

https://www.livelaw.in/top-stories/will-set-up-fast-track-courts-for-paper-leak-cases-pm-says-amid-student-protests-542496

Brief update on MC Singla case hearing

Brief update on MC Singla case….hearing started around 12 and continued even after lunch till around 3.30 pm Hon SC Judge was very meticulous and stoping Managent Advocate to slip out of the crux of the issue….Mr Mehta Management Advocate was repeated going irrelevant ….by referring settlements….merger of DA to basic pay and kept on harping that there is no provision in Tegulations for updation ….and that regulation 35 is applicable only to certain section of employees who retired between 1986 and 1987 only and not to all employees….

But Hon Judge though allowed dependent to speak even for long but was driving him back to Regulation 35 and asked to give details in respect of example or retirees retired on different dates ….good arguments from our side too….

After prolonged arguments and counter arguments case adjourned for 12/08/2026….

Hon Judge of Supreme Court appears to be conveinced about our arguments and our case….

Mr Nageshwar Rao eminent leader was online all along Hon Judge asked him to put up his point ….but he was not properly audible thus Hon Judge told him to appear in courts and not online to put up his point…..which he agreed and case has been now adjourned for 12/08/2026…..let us hope for the best 

…..K K JOSHI

MC Singla case Part Heard today. List on 12.08.2026

Yahoo Mail: Search, organise, conquer

कांग्रेस और दूसरे दलों के समय हुए प्रमुख पेपर लीक किस शिक्षा मंत्री ने इस्तीफा दिया

Yahoo Mail: Search, organise, conquer

CJP प्रोटेस्ट में 100 से ज्यादा प्रदर्शनकारी विरासत में इसमें कोई छात्र नहीं

PAPER LEAKS ACROSS INDIA SINCE 2004 TO 2014

Yahoo Mail: Search, organise, conquer

CJP प्रदर्शन में लगे यह नारे!

Yahoo Mail: Search, organise, conquer

Unclaimed money in deposit with LIC

Unclaimed money in deposit with LIC

https://acrobat.adobe.com/id/urn:aaid:sc:EU:53aff077-206f-488b-91de-b7273c85faef

Industrial Dearness Allowance (IDA) Rates from 01.07.2026 for Executives and Non-Unionized Supervisors of CPSEs: DPE, FinMin O.M. | StaffNews

Industrial Dearness Allowance (IDA) Rates from 01.07.2026 for Executives and Non-Unionized Supervisors of CPSEs: DPE, FinMin O.M. | StaffNews:

Industrial Dearness Allowance (IDA) Rates from 01.07.2026 for Executives and Non-Unionized Supervisors of CPSEs: Department of Public Enterprises, FinMin O.M.

Beware of Fake Income Tax Penalty Notice on Email

Beware of Fake Income Tax Penalty Notice on Email 
Click below:-

https://taxguru.in/income-tax/beware-fake-income-tax-penalty-notice-email.html?utm_source=follow.it

Department of Posts Enables Online Personalized Cheque Book Requests Through Internet Banking

Department of Posts Enables Online Personalized Cheque Book Requests Through Internet Banking 
Click below:-

https://taxguru.in/finance/department-posts-enables-online-personalized-cheque-book-requests-internet-banking.html?utm_source=follow.it

Letter by NOIP with various demands for LIC Pensioners -Additional Pension for 80+yrs old

It was so good of NOIP to have taken up the pending issues of LIC pensioners with the Secretary of Financial Services.

I would like to refer to one of the items in the list of demands, viz, additional pension to retiree pensioners and family pensioners  at 20%,30%,40%,50% and 100% after completion of 80 yrs,85 yrs,90 yrs,95 yrs & 100 yrs respectively.

Being an octogenarian myself  aged 84 yrs as on date, I would like to stress that the demand for additional pension for 80+ yr old pensioners should be on the upgraded pension effective from the date of wage revision just before the pensioner completed 80,85,90,95 &100 etc, as the Central Government pensioners receive  the additional pension after at least two pension revisions on implementation of recommendations of the ten yearly  Central Pay Commission Recommendations .If pension revision is not combined with additional pension, it will be anomalous resulting in inadequate additional pension being paid.Rule 56 of LIC Pension Rules 1995 already requires  that wherever there is no express provision on any  matter under the pension rules,CCS Pension Rules 1972( now repealed by CCS Pension Rules 2021) will be applied. 

Already, our case for upgradation of pension is before the Supreme Court  and if and when the Apex Court rules that Rule 56 should be implemented,  then 80 + year old pensioners will automatically get the additional pension along with revision in pension.

This should be our approach. 

C H Mahadevan 

Don't Politicise Ayodhya Ram Temple Donation Theft, Cautions Supreme Court

Don't Politicise Ayodhya Ram Temple Donation Theft, Cautions Supreme Court

Click below:-

https://www.livelaw.in/top-stories/supreme-court-ayodhya-ram-mandir-donation-theft-sit-cbi-probe-simple-commission-of-offense-do-not-politicize-record-must-be-maintained-542043

The link may expiry after a certain period.

WONDERFUL IN UR BLOG IT IS STILL BOLD& BRIGHTER

 WONDERFUL 

IN UR BLOG IT IS STILL BOLD& BRIGHTER

MY BLESSINGS TO U  & Family 

Ones bent of mind., desire & determination, & persistent efforts at Updation & improvement count a lot  God has given that characteristics to u

May the Blog carry its Mantle & Message as a CLARION CALL

VICTORY TRUMPET IN UR POCKET 

Regards 

RBKISHORE

: TRIBUTE TO RKSAHNI BLOG ,11/2014 CHRISTENED AS PENSIONERS VOICE & SOUNDTRACK BY ME

     Sri RKSAHNI is known for his Sterling qualities of head & heart. I christened his Blog as PENSIONERS VOICE & SOUNDTRACK.,   Born in Nov 2014,the Blog gained popularity very soon,Readers swarmed in large numbers to read the Daily news of great importance ,immediately inserted as a Bugle.It was really Food for Thought.It kindles imagination,it rivets your attention.Such is the magnetic power the Blog creates.

      The greatest virtues Sri RKSahni possesses is his Simplicity, Tables & Charts are his Forte.If it is CPIndex,he outlines in full for Years together ,as a Foundation for Calculation of DA/DR .Qly,Hly Indices are tabulated & DA for Employees &DR for Pensioners is announced. Moment readers go through,Leaders of Pensioners ASSNs & Federations immediately circulate to their WhatsApp colleagues.What more than characterise this speed as Communication Revolution.It has centripetal & centrifugal effects for employees & pensioners.  

      Take any Subject matter, be it Group Mediclaim Insurance Scheme ,every year announced after prolonged talks between LIC mgt & New India Insurance Co.RKS Tabular Charts are flashed,increase/decrease pointed out, exhaustive figures ,% increase, agegroupwise, 

His contribution by way of HELPING entire Pensioners fraternity, with immediate news, announcements, clarification, TPA DATA, Mediclaim details asked for, AUGUST ExistenceCertificate for pension continuation ,Courtcases including Supreme Court ,our CA hearing All eyes on.Daily Cause List developments etc.Every important progress catches his attention  .He informs various LIC Portals& how to navigate .

      RKSshni is honoured not because he labours,but because he labours for others. His Motto appears to be Make your life a Mission,not an intermission

      My heartiest Congratulations  to him for the record bumper 51,00,000 hits & more his worthy Blog has crossed ,with his dogged determination & selfless service to a wide Spectrum of readers, employees & pensioners 

   Gracefully & with joy & pleasure, I pen this TRIBUTE

RBKISHORE. 

EDRetd,LIC, 

PATRON RIEA CHENNAI, 

PATRON AIRIEF, 

LIFE MEMBER PROBUS CLUB

09840340591

 

--

.

जब पेड मीडिया कॉकरोचों की फर्जी भूख हड़ताल पर फोकस कर रहा था, तब असली भारत इतिहास रच रहा था! 🇮🇳

जब पेड मीडिया कॉकरोचों की फर्जी भूख हड़ताल पर फोकस कर रहा था, तब असली भारत इतिहास रच रहा था! 🇮🇳

🇮🇳 पिछले लगभग 30 दिनों में भारत की ऐतिहासिक उपलब्धियाँ:

🔹 19 जुलाई 2026: पी. वी. सिंधु ने जापान ओपन बैडमिंटन चैंपियनशिप 2026 का खिताब जीतकर भारत का गौरव बढ़ाया।

🔹 19 जुलाई 2026: भारतीय जेन-ज़ी टीम ने इंटरनेशनल केमिस्ट्री ओलंपियाड में 4 स्वर्ण पदक जीतकर विश्व में शीर्ष स्थान हासिल किया। साथ ही इंटरनेशनल बायोलॉजी ओलंपियाड में भी भारत ने पदक जीते।

🔹 18 जुलाई 2026: स्काईरूट एयरोस्पेस के युवा भारतीय वैज्ञानिकों ने विक्रम-1 का सफल प्रक्षेपण किया। यह भारत का पहला निजी क्षेत्र द्वारा विकसित ऑर्बिटल श्रेणी का रॉकेट है, जिसने सफलतापूर्वक पेलोड को लो-अर्थ ऑर्बिट में स्थापित किया।

🔹 17 जुलाई 2026: प्रधानमंत्री नरेंद्र मोदी ने हरियाणा के जींद से भारत की पहली स्वदेशी हाइड्रोजन संचालित यात्री ट्रेन (10 कोच) को हरी झंडी दिखाई।

🔹 14 जुलाई 2026: डीआरडीओ ने सुरक्षित सामरिक संचार के लिए स्वदेशी क्वांटम की डिस्ट्रीब्यूशन (QKD) प्रणाली का सफल सैन्य परीक्षण किया।

🔹 13 जुलाई 2026: लखनऊ-कानपुर एक्सप्रेसवे आम जनता के लिए खुला। यह भारत का पहला बैरियर-फ्री, सैटेलाइट आधारित टोलिंग सिस्टम वाला एक्सप्रेसवे है।

🔹 12 जुलाई 2026: भारतीय छात्रों ने 56वें इंटरनेशनल फिजिक्स ओलंपियाड में 5 स्वर्ण पदक जीतकर संयुक्त रूप से विश्व में पहला स्थान प्राप्त किया।

🔹 11 जुलाई 2026: रक्षा मंत्री राजनाथ सिंह ने आईएनएस महेंद्रगिरि (प्रोजेक्ट 17A स्टेल्थ फ्रिगेट) को भारतीय नौसेना में शामिल किया। इसमें लगभग 75% स्वदेशी तकनीक का उपयोग हुआ है।

🔹 जुलाई 2026: बेंगलुरु की विमाग लैब्स को रेयर-अर्थ-फ्री इलेक्ट्रिक मोटर तकनीक (VMSM) के लिए पाँचवाँ भारतीय पेटेंट मिला।

🔹 जुलाई 2026: इसरो ने पूर्वोत्तर भारत में अंतरिक्ष संचार को मजबूत करने के लिए असम के लेडो में नया सैटेलाइट अर्थ स्टेशन स्थापित करने की योजना की घोषणा की।

🔹 जुलाई 2026: आईआईटी गांधीनगर की टीम को एआई डेटा सेंटर, इलेक्ट्रिक वाहनों और हाई-परफॉर्मेंस इलेक्ट्रॉनिक्स के लिए स्वदेशी लिक्विड कूलिंग तकनीक विकसित करने हेतु अनुदान मिला।

🔹 26 जून 2026: कलपक्कम में परमाणु ऊर्जा आधारित हाइड्रोजन उत्पादन संयंत्र का सफल संचालन शुरू हुआ।

🔹 24 जून 2026: इसरो ने सेमी-क्रायोजेनिक इंजन का 175 टन थ्रस्ट स्तर पर सफल हॉट टेस्ट किया।

🔹 24 जून 2026: आरडीएसओ और एआरएआई ने एलएचबी कोचों की फुल-स्केल क्रैश टेस्टिंग सफलतापूर्वक पूरी की।

🔹 21 जून 2026: प्रधानमंत्री मोदी ने तीन स्वदेशी युद्धपोत — आईएनएस दुनागिरी, आईएनएस संशोधक और आईएनएस अग्राय — राष्ट्र को समर्पित किए।

🔹 15 जून 2026: डीआरडीओ ने स्वदेशी लॉन्ग रेंज लैंड अटैक क्रूज़ मिसाइल (LRLACM) का सफल परीक्षण किया।

🔹 10–11 जून 2026: डीआरडीओ ने फेज-2 बैलिस्टिक मिसाइल डिफेंस (BMD) और एंटी-शिप मिसाइलों के सफल परीक्षण किए।

🔹 जून 2026: भारत का रक्षा उत्पादन बढ़कर ₹1.78 लाख करोड़ के रिकॉर्ड स्तर पर पहुँचा।

🔹 जून 2026: भारत में निर्मित स्वदेशी C-295 सैन्य परिवहन विमान ने आत्मनिर्भर भारत की दिशा में एक और बड़ी उपलब्धि दर्ज की।

🔹 13 जून 2026: राष्ट्रीय रक्षा अकादमी (NDA) से प्रशिक्षित महिला कैडेटों का पहला बैच भारतीय सशस्त्र बलों में कमीशन हुआ।

हीरो सोच-समझकर चुनिए…

जो सिर्फ़ सुर्खियाँ बनाते हैं, या जो भारत का भविष्य बनाते हैं? 🇮🇳

How to genrlerate LIC Existence Certificate

How to generate LIC EXISTENCE CERTIFICATE  

Memorandum submitted to Director Insurance Department of Financial Services GOI on 03.07.26.

Namaskar  Esteemed  Members 

👆Memorandum  submitted  to Director  Insurance  Department  of Financial  Services  GOI on 03.07.26.

Friends to ease our way to acheive  our genuine  demands  we have to be united let us all make this Organization  (National Organization of Insurance Pensioners) NOIP strong by acquiring  life time membership  with few formalities. 

Regards

Subash Raina

All india Org.Sec 

NOIP 

M 

8826563191

Please read the preceeding post of Memorandum submitted to Director Insurance, Department of Financial Services GOI on 03.07.2026

R K SAHNI 

NOIP LETTRR TO DIRECTOR INSURANCE DATE 03.07.2026

Regn No.PN 4769 (Regd under The Trade Unions Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030

President: Prabir Kumar Mazumder Mob No: 9330337430 Prabir.majumdar@gmail.com Working President: Arvind Mittimani Mob No: 9868878667 arvindmittimani@gmail.com

General Secretary: Rajiv Kumar Sharma Mob No: 9811902770 rajivkumarsharma1558@gmail.com

Date: 03-07-2026

Smt. Mandakini Balodhi, Director (Insurance-I), Department of Financial Services, Jeevan Deep building, Parliament Road, New Delhi.

Respected Madam,

Madam, I was anxious to meet you personally and came thrice to your office. But to my ill luck, you were out from office on various assignments. However, we had met Smt. Neha Chauhan, the then Joint Director (Insurance) on 21-01-2025 and had discussed in detail our pending issues. BMS top level delegation had also met the FM Smt. Nirmala Sitharaman ji on 10-10-2024 and had an hour-long discussion on our pending issues and the said meeting was graced by the then Secretary, DFS, Shri. M. Nagaraju ji.

I have also enclosed herewith the letter dtd. 5th June 2026, addressed to Shri. Sanjay Lohiya ji, Secretary, DFS for your kind information.

I here below give the details of pending issues, which we have been following up with DFS since a decade.

The Pension Rules for LIC Employees were Notified on 28-06-1995 and were made effective from

01-11-1993 to those who have retired on or after 01-01-1986. These LICEPR, 1995 were based on the then prevailing CCS Pension Rules, 1972 & CCS (Commutation of Pension Rules, 1983).

We would like to bring to your kind consideration the following few points expecting positive outcome at the earliest.

Ever since the implementation of LIC Employees’ Pension, Rules 1995, the Basic Pension of the Pensioner/Family pensioner has NOT UNDERGONE UPWARD REVISION even once in these 39 years. Pension Revision is the need of the hour now, for the following reasons.

Justification i) The Pension Revision for Central Govt Pensioners came only with the recommendations of V CPC submitted in 1997 and accepted by the Central Govt. So, with effect from 01-01-1996 Revision in Pension was done for C G Pensioners by means of OM.

Justification ii) Since LICEPR, 1995 were based on CCS Pension Rules, 1972 and were notified prior to the implementation of V CPC recommendations, provision for Pension Revision to LIC Pensioners was not incorporated.

Justification iii) It is only in CCS Pension Rules, 2021 that provision for Pension Revision was incorporated in the form of Rule 66.

Justification iv) LIC Pensioners are still in IV CPC mode, deprived of Revision for 39 years.

Justification v) The effect of this, is that a Pensioner retired prior to 31-07-1992 in Executive Director cadre draws lesser pension than the present-day retiree Pensioner in Driver cadre. This is the greatest anomaly on the earth and a great humiliation being suffered by the Super Senior Pensioners.

Justification vi) In RBI, in 2019, their pensioners were given pension up dation as on 2012 wage revision. And again in 2023, revision was made up to 2017 wage revision & both these pension revisions were made applicable to family pensioners also.

Hence, there is an urgent need to revise the pension at the current wage revision level.

We are very much thankful to the present Govt, for enhancing the Family Pension to uniform 30% wef

• 11-09-2023.
  However, we appeal to you to Revise Family Pension also in the same proportion, when Pension Revision is effected to Retiree Pensioners of LIC.

We are very much grateful to Late Sri Arun Jaitley ji for giving OMOP (One More Pension Option) to LIC employees in 2019. However, the following categories of Employees were left out in the option notification. DFS notification did not allow them to exercise the option. All 3 categories put together; their number is less than 200. Hence, they too may please be offered an option to join LIC Pension Scheme.

• 1.
  Directly Recruited Superintending and Executive Engineers:

  Justification i) There are only about five directly recruited Superintending Engineers and Executive Engineers (in single digit) who were recruited in 1996 or so.

  Justification ii) Out of their sheer ignorance they opted for PF. They were denied the option to join in 2019 notification.

  Justification iii) They stand on the same footing as 28000 odd PF optees, who were given an opportunity to join pension scheme. (because these 28000 employees also had opted PF in 1995 after the pension notification).

  Justification iv) Total outlay is highly insignificant.

  Justification v) LIC has already recommended this to DFS. Hence, please allow these engineers (who are in single digit) to re-exercise option to join the Pension Scheme.

• 2.
  Ex-Servicemen joining LIC during 1996-97 :

  Justification i) There are only about 80 such employees who belong to ex-servicemen category who opted for PF.

  Justification ii) There was a valid reason for them to opt for PF, as there was only ONE Family Pension allowed for them that time. Either they were required to choose Military Family Pension or LIC Family pension. Hence, they opted for PF in LIC.

  Justification iii) However, this restriction was subsequently removed by Central Govt in 2013. With this, the family of an Ex- serviceman will be eligible to get both Family Pensions.

  Justification iv) Total outlay is highly insignificant.

  Justification v) They too stand on the same footing as 28000 odd PF optees, who were given an opportunity to join pension scheme. (because these 28000 employees also had opted PF in 1995 after the pension notification).

  Justification vi) LIC has already recommended this to DFS.

  Justification vii) Modiji, PM, has shown a lot of favour to ex-servicemen by offering OROP. These people have guarded our borders during their defense services. A little favour to these minuscule ex-servicemen of LIC would be a most welcome step.

  Hence, they may please be allowed to opt for LIC Pension Scheme of 1995, now.

• 3.
  Resigned Employees:

Justification i) There are less than 200 lady (majority) employees who opted for VRS for their family commitments (not going to greener pasture) and who were PF Optees.

Justification ii) Though they have completed more than 20 years and up to 35 years of service, their VRS was treated as resignation and not VRS, quoting Rule 19-§(2A) (a) of the LIC Staff Rules, 1960 and thus pension option was denied to them.

Justification iii) This is the most draconian Rule, which deprived them from getting Pension. Because as per pension rules, one is permitted to opt for VRS if 20 years’ service is completed. For your ready reference the Rule 19-§(2A) (a) is quoted below:

“Notwithstanding what is stated in sub-rules (1) and (2) above, an employee may be permitted to retire at any time on completion of age 55 after giving three months’ notice in writing to the appointing authority of his intention to retire.”

Justification iv) However, after introduction of LICEPR, 1995 one can opt for VRS after 20 years of service without any age restriction.

So, this harsh & draconian Rule 19-§(2A) (a) should be deleted from LIC Staff Rules, 1960 and all such Resignees be given One More Option to join LICEPR, 1995.

Justification v) There was a similar draconian provision in Bank Staff Rules also. Such resignees were denied pension option in 2010. However, IBA allowed such employees who were treated as Resignees to opt for Pension in the 12th BPS between IBA and UFBU in 2023 and as on date, it stands implemented in all the Banks.

In LICEPR, 1995, on Retirement (whether superannuation/VRS) the Basic Pension gets fixed by taking into account last 10 months’ average pay. This has led to a great anomaly in case of those who retire during the wage revision period. For eg there was a wage revision in LIC effective from 1-8-2022. One who retires in August 2022 to April 2023, comes under this anomaly. Suppose for the one who retires on 31-8-2022, 10 months’ counting back starts from August 2022 to November 2021. For August 2022, new revised basicpay is taken. For other 9 months pre-revised old basic is counted with old DA for 9 months. Effectively, his basic pension comes down, and over and above, reduced new DA rate is applied. Hence, after wage revision, his gross pension will be reduced hugely.

Justification i) The 6th CPC recommended and GOI accepted to change the method of Pension fixation at 50% of 10 months’ average OR 50% of last pay drawn, whichever is beneficial to the retiring employee.

Justification ii) Even many State Governments too implemented this recommendation taking cue from the 6th CPC.

Justification iii) Taking average of 10 months for fixation affects adversely – a) those who get their Normal Grade Increment/Stagnation increment released within the last 10 months, b) those who are placed on higher Scale (in lieu of Promotion) within the last 10 months etc.

Justification iv) LIC has recommended to DFS to grant both the options whichever is beneficial to the retiring employee.

Hence, the Pension fixation be done on Last pay drawn OR last 10 months’ average, whichever is beneficial to the employee.

ALL EARLIER CASES TO BE REOPENED AND PENSION BE REFIXED, EVEN THOUGH NO ARREARS ARE PAID.

At present full Pension is payable on completion of 33 years of service. If service is less than 33 years, then Pension is reduced proportionately.

This affects adversely the following categories of employees:

Justification i) Ex-Servicemen join LIC service at a higher age after retirement from Defense service. So, they do not complete 33 years of service. Hence get proportionately lesser Pension.

Justification ii) Ex Emergency commissioned officers who join LIC, also cannot complete 33 years’ service. Neither they get pension from the Defense Dept nor their service in Defense services is counted while fixing the pension in LIC. On both the counts they are losers.

Justification iii) The SC/ST/OBC persons join LIC service at a higher age, because of age concession to them. They also do not complete 33 years of service. Hence get proportionately lesser Pension.

Justification iv) Those who are directly recruited to higher cadres– like Chartered Accountants, Engineers, Actuaries etc, do not complete 33 years of service. Hence suffer loss in monthly pension.

Justification v) Development Officers recruited from Agent’s category also do not complete 33 years of service. Hence do not get full Pension.

Justification vi) The 6th CPC recommended and GOI accepted Full Pension ie 50% after completion of 20 years of Service. Many State Govts followed the suit.

Justification vii) For Reserve Bank of India employees the period for getting Full Pension ie 50% got reduced from 33 years to 20 years vide Circular dated 7th December 2012.

Hence, it is a dire necessity that LIC Pension Rules, 1995 be amended to give effect to Full Pension after 20 years of Service.

Justification i) In 1995, the retirement age was 58 years. So, in case of the unfortunate death of an Employee or Pensioner before age 65, the Family Pensioners were paid double the normal family pension rate for 7 years OR till age 65 years whichever is earlier.

Justification ii) However, the retirement age got increased to 60 years on the recommendation of 5th CPC and accepted by GOI and OM dated 30th May, 1998 was issued. The same was applicable from 1st May, 1998. The GOI accepted recommendation of 5th CPC and vide OM ref: P&PW(E) dated 02-02-1999, extended family Pension at 50% up to age 67 years.

Justification iii) LIC has recommended this to DFS for consideration.

In LIC the same would have been implemented in 1999 itself. But despite several attempts to get it done, no positive result emerged.

At least now we hope, this would see the light of the day.

It is a different matter that at present in some cases Family Pension is paid at 50% for 10 years, where the employee dies while in service.

Justification i) The 6th CPC recommended and GOI accepted the recommendation of Additional Pension to Retiree Pensioners and Family Pensioners at the rate of 20%, 30%, 40%, 50% and 100% of Basic Pension on attaining the age of 80, 85, 90, 95 and 100 years respectively vide OM ref 38/37/08–P&PW(A) dated 02-09-2008.

Justification ii) Almost all State Govts also extended this benefit to their super senior pensioners. Justification iii) LIC has already recommended this to DFS. Even after lapse of 19 years, LIC Pensioners have been deprived of this benefit. The reason given by 6th CPC for granting Additional Pension holds good in case of LIC Pensioners as well.

Hence this benefit also be extended to LIC Pensioners.

The recovery period of Commutation Amount is 15 years, as per LICEPR, 1995. There is a need for reduction in the term of recovery.

Justification i) This period was fixed when the interest rate was 12%. Now that the interest rates have come down to 6 to 7%.

Justification ii) Mortality rate has come down and longevity of pensioner has increased. Thus, full recovery of commuted portion is ensured.

Justification iii) Some of the State Governments like Gujarat etc have reduced the period from 15 years to13 years, on their own.

Justification iv) Many litigations are pending in various High Courts and stays/verdicts are coming out in favour of the pensioners.

So, to avoid unnecessary and unproductive litigations, an Actuarial investigation may be caused by GOI and suitable decision to reduce the Period of recovery of C V may please be taken at the earliest. For those from whom full 180 months recovery has been made, the excess amount so recovered, may please refunded to them.

Justification i) The Supreme Court of India vide its Judgement in: Director (ADMN) KPTCL vs C P Mundinamani, 2023 SCC Online SC 401,

it was held that Increment falling due on 1st JAN & 1st July should be released to the employee although he has retired on 31st Dec OR 30th June and has completed 12 months of service.

This Judgement was implemented by GOI. Several WPs followed this. The GOI filed SLPs/ Review Petitions etc. Finally, they issued an OM on 14-10-2024 accepting the SC Order and granting Notional Increment and counting it for Pensionary Benefits.

Justification ii) The ratio laid down in the above Judgement of SC was made applicable in Shailesh Tiwari vs SDM LIC of India and others (WP – 19950 – 2024). Mr. Tiwari retired on 30-06-2023 and judgement was passed to grant Increment due on 1st July and to refix the Pension and pay arrears with 7% interest, by the High Court of Madhya Pradesh at Jabalpur.

Hence, it is imperative that the LIC of India also honours the above Judgements and releases Notional Increments to all those whose Increment falls due on the next day after retirement. The Pension fixation to be reopened in all such cases and arrears to be paid.

Even now the truncated DR (Dearness Relief) is being paid to those pensioners retired prior to 1-8-1997 but not 100% neutralization.

Justification i) After plethora of cases in various Courts including SC, ultimately the case was decided by the Delhi HC in 2017 and unfortunately the verdict gave a DR, which worked out to be less than 100% neutralization, though the judge accepted the petitioner’s demand, but erroneously fixed the rate of DR. Justification ii) Similar issue was pending with the IBA and also in various Courts in respect of Bank pensioners,

who retired prior to 1-11-2002. At last, such Bank retirees got the full relief after the IBA signed the minutes with the UFBU (United Forum of Bank Unions), wherein 100% DR neutralization was granted to such retirees. This MOU was signed after bilateral discussions, despite the fact that this issue was pending in various Courts.

Hence, usual alibi that the matter is sub judice, was given a go by. This MOU already stands implemented in Banks after the approval of DFS.

Hence, we appeal to you to grant 100% DR neutralization to the pensioners who retired prior to 1-8-1997.

In view of the above justifications provided in respect of each issue, we implore upon you to provide the desired succour and oblige.

With kind regards, Encl: As above

Yours Sincerely,

General Secretary (Rajiv Kumar Sharma)