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Friday, 11 January 2019

Important points to challenge Constitutional Validity

I attach a copy of the GIC Pension Rules 1995.
In the light of the DHC judgment, a disparity has arisen between pre-August 1997 retirees of LIC and  those of GIC  as a result of the  Court-amended  Appendix IV  of LIC Pension Rules 1995.
The amendment has attained finality(subject to   decision of  SC on our SLPs ).I do not know whether the pensioners of GIC companies have moved the Court in the matter.
C H Mahadevan
Click below link for GIC Pension Scheme, 1995:-
https://drive.google.com/open?id=1_0D0_tjM8vmQl__1-zu9tnyDAQVTd6t7

On Fri, Jan 11, 2019 at 9:06 AM Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
Further to my mail sent with my comments on Madurai Bench judgment ,I googled for studying the GIC Pension Rules 1995 to check the similarity with our Pension Rules.
The numbering of Rules is different  from Rule 18 under the both sets of Rules.
The Rule Nos 19 to 56  of LIC Pension Rules correspond to Rule Nos 18 to 55 of the GIC Pension Rules.Rule no 18 of LIC Pension Rules is specific to LIC covering Development Officers of LIC and hence the reduction in no of Rules.
Rule 54B of GIC Pension Rules  corresponds to Rule 55B of LIC Pension Rules.
The Writ Petition filed by the GIC Pensioners perhaps did not mention the discrimination caused by Rule 54B of their Pension Rules.If it had been highlighted ,they would have been able to establish violation of Article 14 & 21 of the Constitution.
The Rule 55B in our case before SC should be a clincher for upgradation Pension at least on Central Government pattern with modified parity.
Kind regards.
C H Mahadevan

On Thursday, January 10, 2019, Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
Dear Mr Agnihotri,
I went through the judgment in the case of GIC pensioners.It was delivered before the SC judgment dated 31/3/2016.
The SC judgment,although it did not give us relief on upgradation did show some sympathy for pensioners and had even ordered payment of 40% interim relief for at least pre-Aug1997 retirees.
We need to focus on relevance of D S Nakara judgment from two dimensions:
1.The equitable neutralization between retirees and serving employees in DR/DA was ensured only from 1/8/1997,while there was inequity before 1/8/1997.
2.Rule 55B constituted liberalization of the pension scheme for Chairman/MD of LIC retired after 1/1/1996 which created two classes of pensioners under the same pension scheme.
Both these aspects attract the ratio of D S Nakara judgment.
As regards the reference to the Central Government Pension Scheme being a non-contributory  scheme,we have to be clear that our Pension Scheme is a non- contributory scheme.The creation of a Pension Fund does not mean that the pensioners are contributing to the Fund.LIC is only diverting its 10% contribution of PF to the Pension Fund.
What is more,Rule5(3) of LIC Pension Rules 1995 clearly stipulates that LIC has to keep the Pension Fund adequate at all times to meet its liabilities towards pensioners.That is the reason every year ,after actuarial valuation of the Fund,additional contributions are made to the Pension Fund which is much more than the regular contribution by way of its share of PF.Once it is a defined benefit scheme and not a defined contribution scheme is not a contributory scheme.When, sometime in 2070 ,the Pension Fund gets extinguished,the pensioners covered by the Pension Scheme have no right to what is left of the pension fund.
These are the points in our favour to be highlighted in the SC.
Kind regards.
C H Mahadevan

On Wednesday, January 9, 2019, Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
Thank you for your detailed mail.
Now Para 3A ceases to remain the main issue with liberty given for filing  fresh Writ Petitions by new petitioners.
Now all the Writ Petitions focus on upgradation of pension and we should marshal the law points for arguments.
I shall study the GIC case judgment and come back to you.
Kind regards.
C H Mahadevan

On Wednesday, January 9, 2019, MPAgnihotri <mp.agnihotri3@gmail.com> wrote:
Colinjivadi Mahadevan
Sun, Dec 30, 2018, 9:14 PM (10 days ago)

https://mail.google.com/mail/u/0/images/cleardot.gif
https://mail.google.com/mail/u/0/images/cleardot.gif
to Prasad, Subrahmanyam, somnathchhabra458, subbarao, Undisclosed, C, Ssr, Chandu, Yadati, baig, m, Sujatha, me
https://mail.google.com/mail/u/0/images/cleardot.gif
Dear Mr Agnihotri,                                                                                                                       30/12/2018
In response to your note sent yesterday,I give my views as follows:

I am still wondering how Constitutional validity of para 3A came to be raised by Justice Dipak Misra when it was not the issue that was covered by Jaipur judgment. Jaipur judgment only directed that LIC may implement LIC Board Resolution and also by allowing WP no 654/2007, had directed LIC to allow upgradation of pension. Even though the Jaipur SB judgment did not specify upgradation of pension in so many words, by directing LIC to implement Board Resolution by allowing both the Writ Petitions No 6676/1998 & 654/2007 had recognized that the Board Resolution provided for upgradation of pension. Of course, the SC Order dt 31/3/2016 has ruled that the Board Resolution cannot be considered as effective unless the recommendations become part of the LIC Pension Rules 1995.
The Chandigarh judgment in 2010 and the DHC judgment on 30/1/2013 more or less endorsed the Jaipur judgment without giving separate reasoning. It is against all these three judgments that LIC had filed Appeals which were disposed of on 31/3/2016 by the Supreme Court
So it is clear that none of the three judgments had either adjudicated on Constitutional validity of para 3A or made it a basis of the respective judgment. Probably it has been focused by Class I retirees’ Federation counsel in the course of their arguments besides stressing para 3A in their WP no 184/2007.
I completely agree with you that the undue focus on para 3A is misplaced and rather we should use other strong grounds to plead upgradation. Striking down para 3A does not help pre-August 1997 retirees in any way, nor does it benefit those covered by para 3A or para 3B. As you have rightly observed, we need to take recourse to the grounds based on provisions for calculation of pension.
We can also stress on discrimination caused by Rule 55B in combination with Rule 56 which becomes particularly relevant considering that the Rule 56 necessitates application as 5th Pay Commission Recommendations which provided for upgradation of CCS pension became effective after 1/1/1996 subsequent to notification by GOI of LIC Pension Rules 1995 on 28/6/1995.
But it is interesting to note that even though SC remanded the case to DHC to examine the constitutional validity of para 3A,it had ordered 40 % interim relief payable to all eligible pensioners as per para 3A. So, on prima facie SC has recognized the constitutional validity of para 3A.
So challenge of constitutional validity of para 3A will not stand the test by the four criteria stated  by you in your note.
Now the prayers made by the petitioners in their Writ Petitioners before DHC (other than Class I retirees’ Federation) and the SLPs will also matter significantly during the hearings in SC.
While going through the AIRIEF reply to the compliance affidavit of LIC,I observed that there is no mention of the glaring error in the DR rate applied to pre-April 1993 retired Class I Officers with basic pension 2130-3850  at 0.23% instead of 0.29%  while paying arrears which was in contravention of the DHC judgment. This was of course included in the reply of Chandigarh petitioners.
Kind regards.
C H Mahadevan

Respected ShriMahadevan Sahab,
I have gone through your response dated 30/12/2018 to my email of 29th Dec 2018 whereby I shared my note on cases cited by SC in para 26 of the order dated 31/3/2016.
Being busy in some other matter, I could not acknowledge you mail in time. My earlier email was mainly limited to para 26 of the SC order dated 31/3/2016 which talks about the inadequacies of the pleadings. I feel I should add a few more points to explain the position with better clarity:
1.     You have very correctly stated that in Writ Petitions No 6676/1998 & 654/2007, implementation of the Board Resolution by the Chairman was pleaded for removal of DR disparity and upgradation of pension. In para 13 of the judgement the position is discussed and it is stated that concession given by the Advocate of Central Government on question of law, cannot bind the Corporation and it cannot be form the foundation of a decision. Further, Rule 55 does not empower the Chairman to issue instructions beyond rules. For these reasons the judgement passed by single judge and upheld by the Divisional Bench of Jaipur Bench was set aside.
2.     In para 17, it is stated that Mr. Shree Ram Panchu, advocate of Retd LIC Class 1 Federation had submitted that the petitioners had preferred WP 184 of 2007 in DHC assailing the constitutional validity of Para 3A. In para 22 it is stated that since DHC had not adverted constitutional validity of Para 3A and not decided the case independently but decided the same on the basis of the judgment of Jaipur High Court. Similarly, judgement of Chandigarh HC was also based on the judgement of Jaipur bench of Rajasthan HC.  
So, though WP No. 184 of 1007 was filed assailing constitutional validity of Para 3A, discussion on the merits were not held.
3.     In para 18, it is stated that Mr. Gupta (Sr. Advocate) endeavored hard to impress the bench to deal with the issue (assailing constructional validity of Para3A) but as certain facts were to be adverted and the pleadings were not adequate so the Bench restrained from the same.  Mr. Gupta also submitted that there are certain employees who have retired after the cut-off date stipulated in Para 3A but they are not being given the requisite dearness relief based on subsequent pay revisions. As stated in para 21, Mr. Gupta had pleaded for pension updation submitting that non-conferment of the benefit of dearness relief keeping in view the subsequent pay revisions of the similarly situated employees leads to disastrous effect and in a way allows room for absurdity. Mr. Gupta gave the example that ED retired sometime in 1997 gets approximately Rs. 7000/- towards pension whereas a person working in class III, if retires subsequently would get approximately double of the said amount. Thus, case of pension revision with wage revision was pleaded by the Sr Advocate but the same was not considered by SC Bench as any rule or provision causing aforesaid discriminations was not stated. In para 26 the bench of SC has explained as to how the pleadings were inadequate.
4.     With regard to Para 3A, the case was remanded to DHC as the constitutional validity was not assailed by DHC while giving the judgement based on Jaipur Bench Judgement. In respect of the issue of pension updaion, the case was remanded to DHC as the specific rules causing discrimination were not pointed out.
5.     In para 29, liberty was granted to the petitioners to file requisite amendments, if so desired.
The aforesaid points I have written to explain my understanding of SC judgement dated 31/3/2016.
As regards AIRIEF’s objection affidavit submitted to object LIC’s erroneous compliance, copy of the letter addressed to chairman is attached where the error in the DR rate applied to pre-April 1993 retired Class I Officers with basic pension 2130-3850 at 0.23% instead of 0.29% is pointed out. But, in the text the point was not written as the supporting calculations were not available. It is good that this error is pointed out in the affidavit of Chandigarh petitioners.

Incidentally, I have come across the judgement of Madras High Court delivered in 2015, in pension revision case filed by the retired employees of PSU General Insurance Companies, which has been decided against them. I am not aware whether any SLP was filed against the said judgement. A copy of the judgement is attached.
With respected regards,

M P Agnihotri.       



On Mon, Dec 31, 2018 at 8:20 PM Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
Dear Mr Chhabra,
Very interesting.Your intervention paid off.At least you got the money’s worth in terms of the Chandigarh HC judgment.
Let us hope positive result  now at SC for all the expenses being incurred.
Kind regards.
C H Mahadevan

On Monday, December 31, 2018, Somnath <somnathchhabra458@yahoo.com> wrote:
Sir,
Your mail is delightful to read.There is subtle humour in it.
Yes.It is time that our case came to an end.
A funny detail,Sir.
Late Sri Gandhi used to take me along whenever he went to
Chandigarh to meet our advocate Alka Chatrath which was 
quite often.It happened many times that they started arguing
and shouting at each other.'Yesterday you said this..." I had to broker peace.
Once Gandhiji started,'Alka you promised last week to file our
Writ. I reminded you twice.The papers are still lying on your
table"The reply was,'We don't do any work without receiving
the payment in advance.You still owe me fifty thousands"
Before G could speak I said'Alka,you file the papers tomorrow.We
shall bring the cash next time we visit you" She agreed.
As we came down G gave me a big blow on my chest'You bloody
rich.Pay it from your own pocket.You have wasted my 50 th rupees.But we had promised to pay her that much,I protested.
You are not practical.Our case is so simple.It will be decided
in say three months time maximum.My plans were after we 
win,we go to her with a box of sweets and stand before her with folded handsDear daughter,we are poor old people...." Now,we shall have to pay tomorrow.
He died eight years back and the case is still pending.
Well Sir,it was just for your entertainment.I end with lot of good
wishes for you and other recipients of this mail for health and
happiness during the year 2019
S N Chhabra

Sent from my iPad

On 31-Dec-2018, at 6:23 PM, Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
Dear Mr Chhabra,
Interesting to read your detailed reply.There are four categories of people with legal/non legal orientation.
There are legal persons with a legal mind,viz judges,advocates,practitioners,advisers and law professors who are practicing professionals.
Then there are legal persons with a non-legal mind who might have qualified in law but might have diverted themselves in some other discipline of their choice.They may not be very much into legal domain of thinking or indifferent due o other pursuits.
Then there are lay men with no capacity or inclination to attempt learning even essential things in law of practical importance.They are legal illiterates.
We - you and I- perhaps belong to the  fourth & last category of laymen  with apparently legal mind dabbling into legal knowledge without proper legal  qualifications through reading and interacting with people engaged in legal matters like in our case, may be out of compulsion of the situation.In your case,you have achieved authenticity by getting compliments from Justice Agnihotri who  although was personally sympathetic , was professionally helpless to help you.
Eight years later pensioners got,over a platter, what you were fighting for in the court thanks to Atal Bihari Vajpayee!
Let us hope  before we aspire for more and more expertise in law the case will come to a happy conclusion so that we may get more spiritually diverted!
Happy New Year 2019 to all.
C H Mahadevan
On Monday, December 31, 2018, Somnath <somnathchhabra458@yahoo.com> wrote:
Sir,
Thanks for your elucidation of the important points.
With particular reference to the remarks made about me by 
Sri MP Agnihotri I want to clarify that I know no law.I take as
gospel truth what ever is told to me by a person I hold in respect.
Later,I contemplate upon the matter and if I have the doubts I
need these clarifiedQuite normal,I suppose.
Now,something regarding my tryst with the Courts.
It was in July1990 I filed a writ in the Chandigarh H C against the LIC retiring me at age 58 years.
On the day of hearing,there was strike of the advocates.The
litigants who could present their case personally were allowed in.
The atmosphere in the Court was very relaxed.I was the first
asked to present my case.I was encouraged by Justice Agnihotri.
'you are doing very well,Mr Chhabra.Carry on It is a good change
for us to listen to a non legal man."
At the end Justice Agnihotri said, ' You have a very genuine case.
But,Mr Chhabra,we in the Court,interpret the rules as they are.We don't make rules.You better use political/trade union pressure on
Your employer to change the rules..... "
It happened before I met late MSM.The LIC was delaying the
implementing of the Chandigarh H C judgement .We were
advised to file COC petition.KLMA suggested a senior advocate
known to him.He was Addl Advocate General Haryana.I gave him
a copy of the Court judgement
Mr Brijjit Singh would not change horse in the middle of the war.
I met this gentleman after some time.There is no updation of
pension in the Jaipur judgement.You are just stretching the
matter" was his conclusion.
We were in the office of our advocate in Delhi some time back.He
asked you of our main points for updation.I am sure you noticed
he was not completely convinced
A few days back I happened to discuss para56 with Dr Pritam.He
explained the difference between the same and similar.Heopined
D S Nakara case can be used to our advantage
I am not at all pessimistic.I am aware of the direction the wind is
blowing.
The Govt will not agree to our demand gracefully.That needs
arm twisting and it may come through the bankers....
The rationalisation of DR is sure.The contents of the para10 of
our affidavit filed in theSC must be thoroughly explained to the
Sr Advocate engaged by Sri Agnihotri.Our adv.being junior,may
not get chance to speak freely.
Meanwhile,let us go ahead with full hope in our heartsGood
things are likely to happen in 2019
( Dr Pritam is a very clear headed person and quite an expert in
Law.He has settled in Jallandhar now.in case Sri Agnihotri may
consider it useful to exchange views in legal matters,I can help
such arrangement.)
S N Chhabra

Sent from my iPad

On 30-Dec-2018, at 9:13 PM, Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
Dear Mr Agnihotri,
In response to your note sent yesterday,I give my views as follows:

I am still wondering how Constitutional validity of para 3A came to be raised by Justice Dipak Misra when it was not the issue that was covered by Jaipur judgment. Jaipur judgment only directed that LIC may implement LIC Board Resolution and also by allowing WP no 654/2007, had directed LIC to allow upgradation of pension. Even though the Jaipur SB judgment did not specify upgradation of pension in so many words, by directing LIC to implement Board Resolution by allowing both the Writ Petitions No 6676/1998 & 654/2007 had recognized that the Board Resolution provided for upgradation of pension. Of course, the SC Order dt 31/3/2016 has ruled that the Board Resolution cannot be considered as effective unless the recommendations become part of the LIC Pension Rules 1995.
The Chandigarh judgment in 2010 and the DHC judgment on 30/1/2013 more or less endorsed the Jaipur judgment without giving separate reasoning. It is against all these three judgments that LIC had filed Appeals which were disposed of on 31/3/2016 by the Supreme Court
So it is clear that none of the three judgments had either adjudicated on Constitutional validity of para 3A or made it a basis of the respective judgment. Probably it has been focused by Class I retirees’ Federation counsel in the course of their arguments besides stressing para 3A in their WP no 184/2007.
I completely agree with you that the undue focus on para 3A is misplaced and rather we should use other strong grounds to plead upgradation. Striking down para 3A does not help pre-August 1997 retirees in any way, nor does it benefit those covered by para 3A or para 3B. As you have rightly observed, we need to take recourse to the grounds based on provisions for calculation of pension.
We can also stress on discrimination caused by Rule 55B in combination with Rule 56 which becomes particularly relevant considering that the Rule 56 necessitates application as 5th Pay Commission Recommendations which provided for upgradation of CCS pension became effective after 1/1/1996 subsequent to notification by GOI of LIC Pension Rules 1995 on 28/6/1995.
But it is interesting to note that even though SC remanded the case to DHC to examine the constitutional validity of para 3A,it had ordered 40 % interim relief payable to all eligible pensioners as per para 3A. So, on prima facie SC has recognized the constitutional validity of para 3A.
So challenge of constitutional validity of para 3A will not stand the test by the four criteria stated  by you in your note.
Now the prayers made by the petitioners in their Writ Petitioners before DHC (other than Class I retirees’ Federation) and the SLPs will also matter significantly during the hearings in SC.
While going through the AIRIEF reply to the compliance affidavit of LIC,I observed that there is no mention of the glaring error in the DR rate applied to pre-April 1993 retired Class I Officers with basic pension 2130-3850  at 0.23% instead of 0.29%  while paying arrears which was in contravention of the DHC judgment. This was of course included in the reply of Chandigarh petitioners.
Kind regards.
C H Mahadevan
  

On Sat, Dec 29, 2018 at 10:35 PM Colinjivadi Mahadevan <chmahadevan@gmail.com> wrote:
I have quickly gone through your notes.
I shall respond shortly.
C H Mahadevan

On Saturday, December 29, 2018, MPAgnihotri <mp.agnihotri3@gmail.com> wrote:
Respected Shri Mahadevan Sahab,
In some communication Shri S N Chhabra expressed concern on pension updation issue stating that there being no direct rules for updation of pensions we have to draw conclusions by inference only ( on DR disparity matter he okeyed the contents of your rejoinder on para 3A). While pleading the pension parity issue, we have to take care of the directions/observations of Hon'ble Justice Dipak Mishra stated in para 26 of the order dated 31/3/2016. 
A note on the issue is attached herewith for favour of your kind perusal and examination.
I also attach herewith the affidavit of AIRIEF submitted in SC in protest of erroneous compliance of SC order dated 30/7/2018.
With respected regards,

M P Agnihotri. 


- January 11, 2019
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Category II(23) COMPILED BY R K SAHNI Tables of Premium,CATEGORY II 2022-23 Table A,SUBSIDISED PREMIUM Premium applicable for Employee or Retired Employee and Spouse of deceased employee/ deceased retired employee as Primary member Floater Sum Ins




Mediclaim Premium Ready reckoner Category III

Category III.xlsx

Category III.xlsx

Category III (23) COMPILED BY R K SAHNI Tables of Premium,CATEGORY III 2022-23 Table A,SUBSIDISED PREMIUM Premium applicable for Employee or Retired Employee and Spouse of deceased employee/ deceased retired employee as Primary member Floater Sum




MP CALCULATOR & READY RECKONER

MP CALCULATOR & RECKONER -21-22-3.xlsx

MP CALCULATOR & RECKONER -21-22-3.xlsx

CAL & RR LIC MEDICLAIM PREMIUM CALCULATOR 2021-2022,) Name:,S. R. Number: Pension ID : CATEGORY,TOTAL FLOATER SUM,COMPULSORY FLOATER SUM,Age reckoning Date 1,2000000,1000000 01/04/21 Family Members,Status, Enter Date Of Birth DD/MM/YYYY,DO NOT EN





PENSION ARREARS CALCULATOR

IN SPITE OF MY CLEAR APPEAL TO MY PENSIONERS FRIENDS NOT TO TINKER WITH ANY CELL OF TH CALCULATOR, SOMEONE HAS REMOVED A FEW ROWS FRO THE GIVEN TABLE  THROUGH OVERSIGHT OR INTENTIONALLY.
I HAVE REMOVED THE CALCULATOR FROM MY BLOG TO AVOID ANY INCONVENIENCE TO FRIENDS ON ACCOUNT OF REMOVAL OF FEW ROWS .I APPEND BELOW THE  REQUISITE FORMULA TO CALCULATE THE ARREARS MANUALLY YOURSELF.
(A)
PENSION RECEIVED AFTER DATE OF RETIREMENT TO JULY 2021
=(No. of Months X Net BASIC PENSION )+(DR/slab X No. of total slabs)

(B)
PAYABLE AFTER REVISION 

=( No. of Months X REVISED NET BASIC PENSION )+ ( Revised DR per Slab X No. of revised Total slabs )
(C)
Arrears / Recovery = (B) -(A) 


YOU MAY FIND THE TOTAL NUMBER OF SLABS BOTH FOR PRE AND POST REVISION FROM THE FOLLOWING TABLE AS PER YOUR MONTH OF RETIREMENT.<br>
WITH GREETINGS,  


R K SAHNI
                
     






 

 

 

 

 

1

2

3

4

5

      DOR

Pension

Months

Total NO. of Slabs


Period


OLD

NEW

Aug-17

09/17-7/21

47

27717

8400

Sep-17

10/17-7/21

46

27306

8400

Oct-17

11/17-7/21

45

26895

8400

Nov-17

12/17-7/21

44

26484

8400

Dec-17

01/18-7/21

43

26073

8400

Jan-18

02/18-7/21

42

25662

8400

Feb-18

03/18-7/21

41

25202

8351

Mar-18

04/18-7/21

40

24742

8302

Apr-18

05/18-7/21

39

24282

8253

May-18

06/18-7/21

38

23822

8204

Jun-18

07/18-7/21

37

23362

8155

Jul-18

08/18-7/21

36

22902

8106

Aug-18

09/18-7/21

35

22428

8043

Sep-18

10/18-7/21

34

21954

7980

Oct-18

11/18-7/21

33

21480

7917

Nov-18

12/18-7/21

32

21006

7854

Dec-18

01/19-7/21

31

20532

7791

Jan-19

02/19-7/21

30

20058

7728

Feb-19

03/19-7/21

29

19514

7595

Mar-19

04/19-7/21

28

18970

7462

Apr-19

05/19-7/21

27

18426

7329

May-19

06/19-7/21

26

17882

7196

Jun-19

07/19-7/21

25

17338

7063

Jul-19

08/19-7/21

24

16794

6930

Aug-19

09/19-7/21

23

16180

6727

Sep-19

10/19-7/21

22

15566

6524

Oct-19

11/19-7/21

21

14952

6321

Nov-19

12/19-7/21

20

14338

6118

Dec-19

01/20-7/21

19

13724

5915

Jan-20

02/20-7/21

18

13110

5712

Feb-20

03/20-7/21

17

12418

5431

Mar-20

04/20-7/21

16

11726

5150

Apr-20

05/20-7/21

15

11034

4869

May-20

06/20-7/21

14

10342

4588

Jun-20

07/20-7/21

13

9650

4307

Jul-20

08/20-7/21

12

8958

4026

Aug-20

09/20-7/21

11

8250

3729

Sep-20

10/20-7/21

10

7542

3432

Oct-20

11/20-7/21

9

6834

3135

Nov-20

12/20-7/21

8

6126

2838

Dec-20

01/21-7/21

7

5418

2541

Jan-21

02/21-7/21

6

4710

2244

Feb-21

03/21-7/21

5

3925

1870

Mar-21

04/21-7/21

4

3140

1496

Apr-21

05/21-7/21

3

2355

1122

May-21

06/21-7/21

2

1570

748

Jun-21

07/21-7/21

1

785

374

Jul-21





         

LIC PORTAL SUPPORT HELPDESK

LIC PORTAL SUPPORT HELP DESK 

DEAR ALL LIC STAFF PENSIONERS FRIENDS'

IN CASE YOU COME ACROSS ANY PROBLEB OR ISSUE IN RESPECT OF SUBMISSION OF DIGITAL LIFE CERTIFICATE THROUGH "JEEVANSAAKSHY" APPLICATION, YOU   MAY SEND THE SAME ON THE ABOVE STATED PORTAL BY CLICKING ON "CLICK HERE"

WITH GREETINGS

R K SAHNI 

CLICK HERE  

Income Tax Calculator

CLICK BELOW LINK https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwix4ouG1-TxAhWfzDgGHU8dBlMQFjAAegQIAxAD&url=https%3A%2F%2Fwww.incometaxindia.gov.in%2Fpages%2Ftools%2Fincome-tax-calculator.aspx&usg=AOvVaw2DJIsRr60aTevagzWt7She 

M P CALCULATOR

Well, I hope  Sir, you may be with the family be in good health. While looking at the downloaded copy of the Mediclaim Premium Reckoner , I find some corrections to be made at Cell No. 5 in columns F & L, and Cell No. I11 in Category I. Similarly the mistake has been taken to Category II, for Cells F & L-5, and to Category III to  Cell L5.    I have carried the corrections in the file I have prepared for me,  and during the said action I have made a gesture to alter the format. Please forgive me, I am neither  competent at all, nor an expert do so, but for my record I have selected to carry out the changes.  The file is appended for perusal only.

Dinesh Naik. 

MP Ready Reckoner 2021-22 (Sahniji)-1.xlsx

MP Ready Reckoner 2021-22 (Sahniji)-1.xlsx


. 





NARI BEAUTY-

 Online News https://naribeauty.in/

LIC MEDICLAIM PREMIUM CALCULATOR 2021-22

Dear Mr.Sahniji,

I am attaching herewith the mediclaim calculator for LIC Mediclaim Scheme for the financial year 2021-2022 for posting in your blog . I have prepared this with some minimal error checking and reporting for inputs and I hope this will be  useful for LIC employees to check their premium.

Thanks and Regards,

D.Balasubramanian
MOB:9686476900

MediclaimPremiumCalculator2021-2022-2.xlsx

MediclaimPremiumCalculator2021-2022-2.xlsx




LIC MEDICLAIM PREMIUM READY RECKONER 2021-22

MP Ready Reckoner 2021-22.xlsx

MP Ready Reckoner 2021-22.xlsx




Note on LIC Pension Rules and service rules

M P AGNIHOTRI
Click below link:-
Note on LIC Pension Rules & Service Rules-1.docx

Note on LIC Pension Rules & Service Rules-1.docx





YOUR VOICE-LEGAL LIABILITY ARISING OUT OF DEFAMATORY STATEMENT WILL BE OF THE INDIVIDUAL


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TRIBUTE TO SRI R.K.SAHNI FOR HIS BLOG CROSSING 27,00,000 HITS: MAMMOTH ACHIEVEMENT

 TRIBUTE TO SRI R.K.SAHNI FOR HIS BLOG CROSSING 27,00,000 HITS:   MAMMOTH ACHIEVEMENT

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

         1) I am sorry to have missed the Landmark 27.00.000,climbed by Sri RKSahni Blog, as I was unwell with Cellulitis & legswelling intensified & also to lot of time spent on proliferation of WhatsApp ,which combines the serious with the ordinary,joyous & happy with flippancy & despair,high watermark of excellence with mundane stuff & sarcasm & unwanted insertions at unwanted places, a medley indeed.But none can beat WhatsApp in speed & emergent news & quickest transmission & exchange of views. But for Sri RKSahni, the caravan ever moves on,fast, faster & fastest.Magic figure of 27,00,000 is laudable & he deserves all approbration

          2)13,00,000 by 7/2017, 21,00,000 by 12 /2018 ,look at high jump in just 17 months,again yet another tireless,variegated non-stop insertions,only hampered by Corona mobility ,some stuck up where they visited, leap forward to 27,00,000 by 3 August 2020, indeed RKS combines the 50:50 ,with 20:20 & races with IPL Cricket Clouters & hardhitters to win whatever he intends to & so goes on the murmuring brook, to pools, to lakes, to seas & to Ocean of Knowledge,Enlightenment,Entertainment,Flashes, Festivals Highlights, News & Views, Articles, Critical Assessments, Queries & Replies in his Blog & wonderful, timely interventions in WhatsApp whereever necessary .

           3)We must be deeply indebted to him for the Fountain of Thought he creates with his prompt,magical Charts & Tables, & the interpretation thereof to know the in-depth significance of Anamolies or Discrimination such inputs produces stressing & asserting the harm & loss management or Court action produces ,denying the modest, genuine & legitimate demands of aged pensioners.Ever so many new facets he introduced with ease & aplomb of ITRates pre & post Budget assessment for the reader,taxpayer, pensioner to choose the correct rates ,as that confirmation will hold good for future.  

         4) Profuse thanx to RKS for the updates on Indias progress & any number of commentaries he included & the very critical latest announcements on Covid19 calamity hanging like a ghost here, there,everywhere & the precautions & accessories to be used  to come out unscathed with  tests proving negative.We need such selfless activists to highlight issues,segregate essentials from non-essentials & make it easy for readers to know & appreciate the crux of the matter.We wish RKS long life with pink of health & vigour & to all his family members ,who are the source of inspiration in all his endeavours.

      ----- R.B.KISHORE,   PATRON, AIRIEF  : 10/8/20


--
RB Kishore,
PATRON,AIRIEF,
ED(Retd),LIC
Life Member,Probus Club
044-2815 5810 & 098 4034 0591.
www.airiefvision.wordpress.com
.

CPI LATEST FIGURES

CLICK FOR DETAILS HERE

Monthly figures
JAN 2020 0330 7532.55
FEB 2020 0328 7486.89
MAR 2020 0326 7441.24
APR 2020 0329 7509.72
MAY 2020 0330 7532.55
JUN 2020 0332 7578.20
JUL 2020 0336 7669.50
AUG 2020 0338 7715.15
SEP 2020 339.84 7757.15
OCT 2020 0000 00000
NOV 2020 0000 00000
DEC 2020 0000 00000

GHITPA LIST OF ALL INDIA HOSPITALS

GHITPA ALL INDIA LIST OF HOSPITALS

GHITPA ALL INDIA LIST OF HOSPITALS

GOOD HEALTH NETWORK HOSPITALS SEARCH

CLICK HERE

GOOD HEALTH TPA FOR NZ

Click Here

Download E-card where TPA is Medi Assist Indi

Click Here

DOWNLOAD E-CARD WHERE TPA IS MEDI ASSIST INDIA_SCZ

Click Here

TO DOWNLOAD E-CARD HERITAGE HEALTH TPA FOR ECZ & EZ

DEAR LIC PENSIONERS & FAMILY PENSIONERS OF ECZ & EZ,
PLEASE CLICK ON THE " CLICK HERE" & THEN CLICK ON "LICSTAFF" .
IN THE NEW WINDOW CLICK ON "E-CARD" AND SELECT YOUR ZONE AND ENTER YOUR SR NO. AND SEARCH.
CLICK HERE

TO DOWNLOAD E-CARD FROM MEDIASSIST INDIA TPA FOR SCZ

DEAR ALL LIC PENSIONERS & FAMILY PENSIONERS OF SCZ,
TO DOWNLOAD YOUR E-CARDS, PLEASE CLICK BELOW ON "CLICK HERE" AND THEN IN THE POP UP  WINDOW CLICK ON RADIO BUTTON AGAINST"EMPLOYEE ID" & ENTER :-
(I) YOUR EMPLOYEE ID [SR NO.],
(II) LIFE INSURANCE CORPORATION OF INDIA,
(III) YOUR NAME ASE PER LIC RECORD,
(IV) CLICK ON "VIEW",
(V)  DOWNLOAD E-CARD
CLICK HERE

LIC MEDICLAIM PREMIUM READY RECKONER 2020-21

CLICK HERE

LIC Group Mediclaim Policy 2020-21

LIC_Group Mediclaim Policy 2020-21.pdf

LIC_Group Mediclaim Policy 2020-21.pdf

Official Income Tax Calculator 2020-21

CLICK HERE

CO Circular LIC GROUP FAMILY FLOATER MEDICLAIM POLICY 2020-21 PREMIUM RATES

Circular Premium rates group mediclaim policy 2020-21.pdf

Circular Premium rates group mediclaim policy 2020-21.pdf

Official Corona Virus web site

Click Here

Search This Blog

LIC PENSIONER'S PAGE AS PER LIC WEBSITE

CLICK HERE

About Me

R K Sahni
View my complete profile

SENIOR CITIZENS' GUIDE

Senior Citizens' Guide (84 pages).
     Contains information about all concessions and benefits they are entitled to as well as 
contact details of relevant authorities in Central and State Governments.
P RAMANATHAN
SENIOR CITIZENS' GUIDE

LIC GROUP FF MEDICLAIM SCHEME POLICY 2018 - 2019

Emailing Group Mediclaim Policy 2018-19.pdf

Emailing Group Mediclaim Policy 2018-19.pdf

COLLECTIONS AS A COMPENDIUM & REMEMBRANCE—FOR TOMORROW & YONDER:​ REPUBLIC DAY​

​
  R.B.KISHORE,ED(Retd),LIC & VP,AIRIEF​
CLICK HERE

LIC PAY SCALES FITMENT CHARTS

CLICK HERE TO READ

FINAL OUTLAY RP FROM 01.08.1997 T 31.07.2016

CLICK HERE

FINAL OUTLAY FP FROM 01.8.197 TO 31.07.2016

CLICK HERE

PAN INDIA EMPANELLEDHOSPITAL LIST -TPA MDINDIA AS ON 30032015

CLICK HERE

USEFUL LINKS


1.NATIONAL HEALTH PORTAL
2. 500 YEARS CALENDAR
3.DIGILOCKER
4.AIBEA
5.IBA
6.RTIfi-rtifoundationofindia
7.DA/DR TO LIC EMPLOYEES & PENSIONERS w.e.f 01.02.2015
8.ALL INDIA BANK OFFICERS ASSOCIATION
9.DAILY BANKING NEWS OF AIBEA 
10.Gconnect-Govt.Employees Online Portal/
11. THE VOICE OF PENSIONERS
12.Disposed & Pending Case Status-SC
13. AIRIEF
14. NOINO
15.Insurance Institute of India
16. TERMINAL LIST 2014 & ARCHIVE CAUSELISTS
17. https://incometaxindiaefiling.gov.in/
18. SC LIVE DISPLAY BOARD
19. https://jeevanpramaan.gov.in/
20. Guruprasad Portal
21. MIND GAME
22. JayaVijaya(R Ramakrishnan Blog
23. Legal India
24. http://www.ba-bamail.com
25. http://www.bharatpensioner.org
26. http://pensionersportal.gov.in/
27.PENSIONERS CHRONICLE
28. Galaxy World/
29. National Portal Of India
30. All India Bank Retirees federation
31. http://www.allbankingsolutions.com/
32. http://ex-servicemenwelfare.blogspot.in/
33. http://nfpe.blogspot.in
34. http://www.onlinenewspapers.com
35. http://www.wikipedia.org/
36. RBI
37.http://pib.gov.in/newsite/mainpage.aspx
38.http://sanjhamorcha2009.blogspot.in/
39.http://bankpensioner.blogspot.in
40.Department of Personnel & Training
41.PIB BLOG
42.www.staffnews.in
43.http://www.indianrail.gov.in/
44.http://www.gconnect.in/7th-pay-commission
45.http://www.tkbsen.in/contact/
46. 7cpc.india.gov.in/
47. http://confederationhq.blogspot.in
48. http://www.centralgovernmentnews.com/

Note on LIC(Employees) Pension Liability by Shri R, Ramakrishnan, Consulting Actuary

TO Read Click Here

LIC EMPLOYEES' BENEFIT BOOKLET

CLICK HERE

LIC(Employees) Pension Rules, 1995

Click here to access LIC (Employees) PENSION RULES, 1995 .

OM

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19000 HINDI SONGS

IT IS CREDITABLE, WHO MADE THIS POSSIBLE
I'm sending you link of thousands of Hindi songs and Ghazals. Just click on the> singer of your choice, then click on the song you want to listen, and enjoy.
**Lata Mangeshkar (3206)* <http://www.hindigeetmala.net/singer/lata_mangeshkar.php>
**Mohammad Rafi (2019)* <http://www.hindigeetmala.net/singer/mohammad_rafi.php>
**Asha Bhosle (1624)* <http://www.hindigeetmala.net/singer/asha_bhosle.php>
**Kishore Kumar (1431)* <http://www.hindigeetmala.net/singer/kishore_kumar.php>
**Alka Yagnik (1228)* <http://www.hindigeetmala.net/singer/alka_yagnik.php>
**Udit Narayan (947)* <http://www.hindigeetmala.net/singer/udit_narayan.php>
**Mukesh (880)* <http://www.hindigeetmala.net/singer/mukesh.php>
**Kumar Sanu (800)* <http://www.hindigeetmala.net/singer/kumar_sanu.php>
**Sonu Nigam (714)* <http://www.hindigeetmala.net/singer/sonu_nigam.php>
**Sunidhi Chauhan (524)* <http://www.hindigeetmala.net/singer/sunidhi_chauhan.php>
**Anuradha Paudwal (480)* <http://www.hindigeetmala.net/singer/anuradha_paudwal.php>
**Talat Mahmood (451)* <http://www.hindigeetmala.net/singer/talat_mahmood.php>
**Shaan (352)* <http://www.hindigeetmala.net/singer/shaan.php>
**Kavita Krishnamurthy (304)* <http://www.hindigeetmala.net/singer/kavita_krishnamurthy.php>
**Abhijeet (295)* <http://www.hindigeetmala.net/singer/abhijeet.php>
**Manna De (269)* <http://www.hindigeetmala.net/singer/manna_de.php>
**Shreya Ghoshal (235)* <http://www.hindigeetmala.net/singer/shreya_ghoshal.php>
**Suraiya (226)* <http://www.hindigeetmala.net/singer/suraiya.php>
**Sadhana Sargam (220)* <http://www.hindigeetmala.net/singer/sadhana_sargam.php>
**Ghulam Ali (209)* <http://www.hindigeetmala.net/singer/ghulam_ali.php>
**Sukhwinder Singh (204)* <http://www.hindigeetmala.net/singer/sukhwinder_singh.php>
**Geeta Dutt (203)* <http://www.hindigeetmala.net/singer/geeta_dutt.php>
**Hemant Kumar (199)* <http://www.hindigeetmala.net/singer/hemant_kumar.php>
**Mahendra Kapoor (179)* <http://www.hindigeetmala.net/singer/mahendra_kapoor.php>
**Shankar Mahadevan (164)* <http://www.hindigeetmala.net/singer/shankar_mahadevan.php>
**Shamshad Begum (163)* <http://www.hindigeetmala.net/singer/shamshad_begum.php>
**Suresh Wadkar (158)* <http://www.hindigeetmala.net/singer/suresh_wadkar.php>
**Amit Kumar (155)* <http://www.hindigeetmala.net/singer/amit_kumar.php>
**Hariharan (148)* <http://www.hindigeetmala.net/singer/hariharan.php>
**Kunal Ganjawala (144)* <http://www.hindigeetmala.net/singer/kunal_ganjawala.php>
**Pankaj Udhas (144)* <http://www.hindigeetmala.net/singer/pankaj_udhas.php>
**Jagjit Singh (141)* <http://www.hindigeetmala.net/singer/jagjit_singh.php>
**K. K. (129)* <http://www.hindigeetmala.net/singer/k_k.php>
**Vinod Rathod (129)* <http://www.hindigeetmala.net/singer/vinod_rathod.php>
**S P Balasubramaniam(119)* <http://www.hindigeetmala.net/singer/s_p_balasubramaniam.php>
**Suman Kalyanpur (104)* <http://www.hindigeetmala.net/singer/suman_kalyanpur.php>
**Adnan Sami (98)* <http://www.hindigeetmala.net/singer/adnan_sami.php>
**Mohammed Aziz (91)* <http://www.hindigeetmala.net/singer/mohammed_aziz.php>
**Himesh Reshammiya (86)* <http://www.hindigeetmala.net/singer/himesh_reshammiya.php>
**Alisha Chinai (83)* <http://www.hindigeetmala.net/singer/alisha_chinai.php>
**All those who love or like listening to Hindi songs will cherish this collection. Pl forward to all who will enjoy...


--
RB Kishore
VP,AIRIEF,

VIDAL TPA SZ- SOP-LIC employee login process.pdf

CLICK HERE

VIDAL TPA FOR SZ-DOWNLOAD E-CARD

CLICK HERE

VIDAL-LIC GUIDE BOOK

CLICK HERE

WORLD POPULATION CLOCK

CLICK HERE

AN INTERACTIVE WORLD MAP

CLICK HERE

DOWNLOAD E-CARD FROM HERITAGE HEALTH TPA

http://heritagehealthtpa.com/

World Digital Clock

World time

Calculator

Time Deposit Calculator

Interest Calculator

R D CALCULATOR

EMI Calculator

RIO 2016 FEST- WATCH LIVE

CLICK HERE

CBDT notifies reporting of cash deposit b/w 09.11.2016 to 30.12.2016

CBDT Notification G.S.R. No. 1068(E) dated 15.11.2016 click here

YET ANOTHER BIG CLIMB

Dear Sri Sahni, Yesterday itself I hinted in advance u are hitting 9,00,000 hits in so short a time that ur worthy Blog, befitting its real reflection of all pensioners welfare & progress, titled, PENSIONERS VOICE & SOUNDTRACK is really performimg an uphill task of daily work & assignment assiduously, without break, all for the cause of pensioners constant education to be alive & aware of environment, rights & privileges, Dos & Donts, to preserve, protect & promote their own interests.They are deeply indebted to you for ur stubborn commitment to the endearing cause & wholesale dedication to communicate all relevant info & news to pensioners. A simple matter of CPIndex & announcement of DR slabs becomes a great news for jubilation.TPA cards & how to preserve, utilise, submit Claim forms & fup with Pension Disbursing office & TPA is educative & reduces uncertainty.Those who utilised Cashless service feel all they thought of as rigorous & impossible, with some care & advance precaution becomes fairly comfortable.We all exercised our own option for OSA,Optional SA & feel secure.Wideembracing topics interrelated with similar issues of Govt employees, banks etc keep us awake & alert.All these would have been impossible for pensioners to know & they would have continued to live in an impoverished way for lack of info or updated news.This is where Blog steps in to fill vacuum & Sri RKSahni has breathed fresh news all thro the day with aplomb,distinction, speed & accuracy My heartiest congratulations to u for this NOBLE work u do as a labour of LOVE & Sacrifice ,at great personal cost & indeed if ur Blog travels remarkably fast in readership, it is a Pointer to many more significant laurels in 2017.May the New year dawn with glitter & lustre & you occupy preeminent position,as even as an infant Blog, u have captured an alluring & marvellous feat.Profound thanx & best wishes to u to climb up & up, farther & farther Greetings, RBKISHORE VP,AIRIEF

DHC-MINIMUM PENSION ANOMALY CHART

CLICK HERE

AIRIEF PENSIONERS EMAILS FEEDBACK FROM 1ST MAY TO 31ST MAY 2018 :SERIES NO 173 & 174

https://drive.google.com/file/d/11oghT60lB9-98RyiIiXBhL3xapka4NDt/view?usp=drivesdk
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BMI CALCULATOR

GROUP II-REVISED FORMULA FOR CALCULATION OF DR ARREARS

GROUP II RETIRED BETWEEN 01.04.1993 & 31.07.1997-
REVISED FORMULA FOR CALCULATION OF DR ARREARS
(a) BASIC PENSION BETWEEN Rs 3851 &Rs4100
(1) ARREARS FROM 29.01.2007 to 27.04.2017
(BP-3850)X62.2655961 xxxxxx(A)
LESS: 40% IR PAID xxxxxx(B)
NET AMOUNT PAYABLE (A-B) xxxxxx(C) IF(C) NEGATIVE IGNORE
ADD INTEREST FROM 27.04.2017 TODATE OF PAYMENT xxxxxx(D)
(2) ARREARS FROM 28.04.2017 TO 31.07.2018
(BP-3850)X11.94672 xxxxxxx(E)
ADD: INTEREST FROM 28.04.2017 TO DATE OF PAYMENT xxxxxx(F)
(3) AMOUNT OF DR DIFFERENCE PAYABLE xxxxxxx(C)+(D)+(E)+(F)
(b) BASIC PENSION ABOVE RS 4100
(1) ARREARS FRO 29.01.2007 TO 27.04.2017
= 15566.399+{(BP-4100)X145.286391} xxxxxx(A)
LESS:40% IR PAID xxxxxx(B)
NET AMOUNT PAYABLE (A-B) xxxxxx(C)
ADD INTEREST FROM 27.04.2017 TO DATE OF PAYMENT xxxxxx(D)
(2) ARREARS FROM 28.04.2017 TO 31.07.2018
=2986.68+{(BP-4100)X27.87568} xxxxxx(E)
ADD: INTEREST FROM 27.04.2017 TO DATE OF PAYMENT xxxxxx(F)
(3) AMOUNT OF DR DIFFERENCE PAYABLE xxxxxxx(C)+(D)+(E)+(F)
R K SAHNI
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