PENSIONERS ' EMAILS & FEEDBACK from 1st MAY, 2020:SERIES 220 & 221: R.B.KISHORE
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Google is reportedly considering to buy a stake of about 5 per cent in Vodafone Idea.
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2)Dear Sri GRamamurthy,
i)CONGRATS you have performed a MARATHON &
A MIRACLE of such persistent news, views etc in
last few days to CROSS April 2020 Total 229.
U were so much behind a week before.
Marvellous take off thereafter to ZOOM ahead for our AIRIEF Website airiefvision.wordpress.com
No need for me to strain for that Now ,Reached 273 by 31/5 /2020 to outwit Dec2019 ,261
ii)Rest commence with renewed energy from Lockdown 5.0 as Kanthimathi Kalyana mandapam Opp our house is erecting a Pandal ,Marriage to take place
Bride & the Bridegroom, customs demand close-up & ------------
Social distancing OR ----------?
iii)Oh, COVID-19, why are u proving the Deadliest & not to leave any moment,
Where then is World peace,Whither India & the States, suddenly galloping testing cases last 1 week up & up,
Frightening prospects, peep into the Future Bleak & Dreary,Oh,God save us from impending Inferno
-------------------------RBKishore
3)Subject: COVID-19 Pandemic status Coronavirus Cases: 5,906,202
Deaths: 362,024
Recovered: 2,579,877
For country wise count https://www.worldometers.info/coronavirus/#countries
Deaths: 362,024
Recovered: 2,579,877
For country wise count https://www.worldometers.info/coronavirus/#countries
4) ALL INDIA BANK PENSIONERS AND RETIREES CONFEDERATION Camp Office: J 208, Vijay Rattan Vihar, Sector 15 Part II, Gurugram 122001 Mobile: 9868220338 Email: acharyavedavyasa46@gmail.com
Letter 37/20 Dated: 18.05.2020
To
Shri Sunil Mehta,
Chief Executive,
Indian Bank’s Association
Mumbai
Dear Sir,
Sub: Pension arrears on pension revision on merger of DA at 1684 points
Ref: i) Supreme Court Judgement dated 13/2/2018 in Civil Appeal No.5525 of 2012
(Bank of Baroda Vs. Mr. G.Palani & amp; Ors)
ii) Supreme Court Order dated 28/8/19 in Contempt Petition (C)Nos. 209- 311/
2019 filed by Mr. H G Srinivas Prasad, etc, against Chairman, SBI
iii) Your Letter No. HR & IR/2018-19/G2/4786 dated 3/4/2018
iv) Your Letter No. HR & IR/2019-20/SKK/G2 dated 4/6/2019 addressed to
UCO Bank, United India Bank of India and Andhra Bank
In spite of the unambiguous communication vide the captioned letters from your office to implement the Supreme court judgement in the captioned Civil Appeal No.5525 of 2012, there is partial and/or faulty implementation of the judgement by many banks. Even after the Supreme Court’s order in the captioned contempt petition against SBI, many banks are delaying or denying the entitlement ordered by the Supreme Court. Banks can form a legal view on any matter and litigate but once the court decided the matter, that too the highest court, banks are expected to comply and not invite contempt of the court.
In Contempt Petition (C) No. 928 of 2016 In (Transfer Case (C) No.95 of 2015) and Contempt Petition (C) No.59 of 2017 In (Transfer Case (C) No.95 of 2015) of GIRISH MITTAL Vs. PARVATI V. SUNDARAM & ANR, the Supreme Court held on 26/4/2019, “9. We do not agree with that a contempt petition is maintainable only at the behest of a party to the judgment. The directions issued by this Court are general in nature and any violation of such directions would enable an aggrieved party to file a contempt petition.”
You will appreciate that no bank shall, therefore, risk the embarrassment of a contempt petition being filed against its CEO/MD by any anxious aggrieved retiree.
1) Pension revision arrears to those retired between 1/11/2002 and 30/04/2005
Many banks are refusing to extend the benefit of the Supreme Court judgement to the above retirees under the mistaken notion that the judgement covers only those who retired between 1/4/98 and 31/10/2002. The very basis of payment of pension on notional basic pay by merger of DA at 1616 points instead of actual basic pay on merger of DA at 1684 points from 1/4/1998 was due to insertion of Explanation (c) to Reg 2(s) of Bank Employees Pension Regulations, 1995. The above cited Supreme Court judgement struck down Explanation (c) to Reg. 2(s) as being arbitrary and repugnant to other provisions/Regulations namely 2(d), 38(1)(2). Hence arrears have been paid to all those who retired between 1/4/1998 and 31/10/2002. All those who retired between 1/11/2002 and 30/4/2005 have been similarly affected by this Explanation (c) to Reg. 2(s) and as similarly placed retirees, they should also get the benefit of the above judgement of the Supreme Court.
You will therefore appreciate that the retirees between 1/11/2002 and 30/4/2005 are also entitled to receive pension arrears and commutation arrears on actual basic pay without having to file contempt petitions as aggrieved retirees. Pre May, 2005 retirees being mostly 70 years and above is itself a good enough reason for immediate disbursement of their entitlement. Kindly do the needful.
2) Payment of differential commutation arrears
Consequent upon above pension revision, the commutation already made and paid had to be recomputed for the revised basic pension and arrears have to be paid. Many banks are yet to pay commutation difference arrears and even the few banks who paid have not followed a uniform principle.
Hon’ble Supreme Court’s judgement in the captioned Civil Appeal No. 5525 of 2012 stated, “34. Thus, we set aside the judgment rendered by the High Court of Delhi and affirm that of High Courts of Karnataka at Bangalore and the High Court of Madras. The appeals filed by the Banks are dismissed and the appeal filed by the Association is allowed. Resultantly, let the amount which was due and payable be paid with 9% interest, be calculated and paid within four months from today.
Referring to Karnataka High Court judgement, the Supreme Court in Contempt Petition (C ) Nos. 209- 311/ 2019 stated, “ 6. There is clear and categorical direction that after the retirement of the petitioners they ought to have been paid the correct value of the pension. Precisely, direction has been made to make the revised correct value of commuted pension that would relate back to the date of the retirement….in view of the clear and categorical order passed by the High Court which has been affirmed by this Court…... It is assured to us that the payment would be made within four weeks. Let the payment be made, as assured, within four weeks and compliance be reported within six weeks. In case the compliance is not reported by the respondents, they shall be liable for further proceedings under the contempt of Court by this Court.”
It is therefore clear that the revised correct value of pension has to be paid and that commutation shall relate back to the date of the retirement. Of course, when a portion of pension is commuted, the same has to be recovered from monthly pension over a period of 15 years. The moot question is the determination of the date of commencement of monthly recovery from the retirees. Banks that have so far paid commutation difference arrears have reckoned monthly recovery to commence from the month after retirement, in which case the whole amount to be recovered is past due and payable from the retirees to the banks. Hence these banks have recovered the same in one lump sum from out of the commutation difference arrears and some of them recovered it at 9% interest. Commencement of recovery has been wrongly reckoned by these banks in violation of the Supreme Court order and Bank Employees Pension Regulations,1995 read in conjunction with Central Civil Services (Commutation of Pension) Rules, 1981. It can be seen from the Regulations that commutation value relates to the date of retirement while recovery commences only after the actual payment of commutation to a retiree. In other words, the recovery is not past due and payable but becomes due and payable in future over the next 15 years following the actual payment of commutation of a retiree. Further the court ordered payment of interest to the retirees and not recovery of any amount from retirees with interest
In the present instance, Commutation difference arrears though computed in relation to the date of retirement are paid /to be paid only now and are therefore governed by the current proviso clause to Reg. 41(6) of Bank Employees Pension Regulations, 1995 that states, “Where, however, payment of commuted value of pension could not be made within the first month after the date of retirement or within the first month after the date when the commutation becomes absolute as the case may be, the difference between the normal monthly pension and the commuted pension shall be paid for the period between the date on which commutation becomes absolute and the date preceding the date on which commuted value of pension is deemed to have been paid.”
The above proviso clause requires that in case of delay in paying commuted value of pension , the difference between the normal pension and commuted pension ( i.e. the monthly pension payable on account of deducting commuted portion ) shall be paid from the date of retirement till the date of actual payment of commuted value of pension.
If, however, a doubt exists despite the above proviso clause, then reference has to be made to Central Civil Services (Commutation of Pension) Rules, 1981.in terms of Reg.56 of Bank Employees Pension Regulations,1995.
The proviso clause to Rule 6 therein states that the reduction in the amount of pension becomes operative only after actual receipt of commuted value of pension. The Proviso clause to Rule 6 is reproduced here under: (a) in the case of an applicant who is drawing his pension from a treasury or Accounts Officer, the reduction in the amount of pension on account of commutation shall be operative from the date of receipt of the commuted value of pension or at the end of three months after issue of authority by the Accounts Officer for the payment of commuted value of pension, whichever is earlier, and
(b) in the case of an applicant who is drawing pension from a branch of a nationalized bank, the reduction in the amount of pension on account of commutation shall be operative from the date on which the commuted of pension is credited by the bank to the applicant's account to which pension is being credited.
The Proviso clause to Rule 10 A states, “when the commutation amount was paid on more than one occasion on account of upward revision of pension, the respective commuted amount of pension shall be restored on completion of fifteen years from the respective date(s).”
Bank Employees Pension Regulations, 1995 require monthly recovery of commuted value of pension to commence only subsequent to the date of actual receipt of Commutation amount and not when commutation became absolute. So, the 15 year monthly recovery of commutation amount is not past due to attract interest. As monthly recovery becomes due and payable only after receipt of commutation value and not earlier, there can be no recovery of any interest on the amount to be recovered.
In fact, State Bank of India too, in consequence of above contempt petition, followed the principle of commencing commutation recovery only after the date of payment of commutation.
In view of the above, kindly convey instructions to all member banks to pay commutation arrears with interest and commence monthly recovery of commuted value only after receipt of commutation value by those who retired between 01/04/1998 and 30/4/2005.
With regards,
Yours Sincerely,
K.V.Acharya S.Sarkar
PRESIDENT General Secretary
pto
5) RBK,You will enjoy this. I am NOT the author.--PVS
I always wonder if our Bollywood movies create only criminals or bad culture etc
My answer is big No. It depends upon the viewer
You can learn a lot from movies. For example never give a empty threat to criminal while you are going through as victim
Similarly you can learn lot about ManagementLook:-
You can learn a lot from movies. For example never give a empty threat to criminal while you are going through as victim
Similarly you can learn lot about ManagementLook:-
What they teach you in MBA ,you can learn from movies 😊😊😊😊
Gabbar Singh was a TRUE MANAGEMENT GURU as is reflected in some of the timeless management lessons he delivered thru the movie *Sholay.*
Read On...They are awesome..!👌
1. *Jo Darr Gaya - Samjho Mar Gaya!*
Courage and enterprise are important factors for laying the successful foundation of a growth oriented business.👍😃👍
Courage and enterprise are important factors for laying the successful foundation of a growth oriented business.👍😃👍
2. *Kitne Admi The..??*
It's important to know the competition and its size. He understood that even a small team can make a difference.👍😃👍
It's important to know the competition and its size. He understood that even a small team can make a difference.👍😃👍
3. *Arey O Sambha, Kitna Inaam Rakhe Hai Sarkar Hum Par ?*
Know your market value. Promoting one's own brand is very important and to be reiterated always.👍😃👍
Know your market value. Promoting one's own brand is very important and to be reiterated always.👍😃👍
4. *Goli 6 Aur Aadmi 3!*
Create an illusion where his subordinates had a chance of survival but kills them in the next scene.
Moral - Perform or perish.👍😃👍
Create an illusion where his subordinates had a chance of survival but kills them in the next scene.
Moral - Perform or perish.👍😃👍
5. *Le Ab Goli Kha*
Sometimes in the interest of the organisation you have to take hard and unpopular decisions....
Sometimes in the interest of the organisation you have to take hard and unpopular decisions....
👍😃👍
6. *Yeh Ramgarh Waale Apni Betiyon Ko Kaunsi Chakki Ka Aata Khilate Hai Re.*
Market research is important to understand value propositions !!👍😃👍
Market research is important to understand value propositions !!👍😃👍
7. *Yeh Haath Mujhey Dedey Thakur.*
Identify elements of threats in the market and take measures to minimise them.👍😃👍
Identify elements of threats in the market and take measures to minimise them.👍😃👍
8. *Holi Kab Hai, Kab Hai Holi ?*
Conduct advance mapping of key events within the industry and devise penetration strategy to have a competitive edge over your rivals..😎😎😎😃😎😎😎
Conduct advance mapping of key events within the industry and devise penetration strategy to have a competitive edge over your rivals..😎😎😎😃😎😎😎
Now you decide
RBK :1)Yes,funny ways one can derive some lessons as though they were implanted in such films BUT even if some events harsh or bitter drive home some points to LEARN or UNLEARN, one cannot vouchsafe that Morale is taken care of by such utterances,which indeed are TRANSITORY only for Film to be given a BOOSTER DOSE to earn Record collections by such DIALOGUES, unique to FILMY WORLD
2)For us though, we dont want to be STEROTYPES, preference is for STABLE discourses drawn from IMMORTAL EPICS & Commentators or Scholars offering unique interpretations in Sanskrit or Tamil or any verses & that incident portrayed by them LINGERS in our Hearts LONGER & DEEPER
3)Equally when we listen last 1 year or more to Channels TataSky Brahma Kumari BK Shivani & the like,1065 & 1084,Peace of Mind & the AWAKENING, BAPRE,she in seemingly simple dainty white BK dress, but flow of thoughts in English or Hindi,Posing & Provoking,with down to earth lifes happenings & illustrations, partly using Socratic Questioning method once, repeated twice, makes the large audience Think & Feel the Missing Link in their Attitude or Action or Behaviour ,to open GATES of InnerReform for CHANGE from old to NEW Pattern
4)Have we not,PVS ,even in Kavignar Kannadasan songs seen & sensed typical events portrayed in his inimitable style rendering & a Pointer to place ONUS on such practices to be literally rooted out for Societal change
5)Life is not all Navjot Siddhus Comedy with Kapil Sharmas roaring fun & laughter.It is needed for an adrenalin to wake us up, if morose & even to spike our health a bit more comfortable with lifes Merryside which we miss many times
So too ARATTAI ARANGAM ,some are educative with thrust on For & Against & the treasure of diction, vocabulary & quotes & biting humour to floor the other side,youngsters deserve that round of applause
6)Equally, Art of Living GurudevRavi Shankarji or of late, Jaggi Vasudev replies to queries ,we have seen his Shiv Rathri spectacle sombre lectures ,but in interviews he is more captivating with his lucid,jocular & penetrative profound truth as a medicine for inner wisdom & reason investigating & landing on answers to insoluble problems seemingly in the beginning but dissolving with his parables & similees.
Thanx for the goading,Corona needs more,never ever before such punishing lockdowns with deaths,bodies thrown,no relative can go,only say bye bye is stark human tragedy of never before witnessed.
Will good sense dawn, will economic collapse get set right,social relations normalcy a distant dream,new digital revolutions, vaccines we know not When, World war ? China US face off,pinpricks to India, dull, insipid life, what adharma we did, what Nature punishes so ruthlessly, none knows about stranded friends or relatives,God imprisoned, June 8 they say Temples may open, what repercussions Lockdown 5.0 may throw, our LIC ,so many events delayed,postponed ,compulsion of circumstances & Govt stubborn ,eye on LIC for all retrievals but shd not kill the goose that lays golden eggs, 2021 will show more clearly as events march on
Greetings & warm regards-----------RBKishore
6)LIC Business Empire ($ 440BILLION ),How big it is,DO CLICK & KNOW ALL,
7)
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Damodaran said value and growth investing has become a lazy categorisation of investing.
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8)SZ grows & crosses CZ & NCZ Total & behind SCZ & WZ
We have added more than 125 members in three divisions of SZ besides 106 members of Thanjavur division. Coimbatore division = 56 Vellore division (Newly formed- yet to be inagurated) = 48. Salem division (Newly formed- yet to be inagurated) = 21*
In SZ Tamilnadu alone has more than 800 members. Except Kozhikode Kerala divisions are not active enough. As a result members join in other unions.
We have decided to strengthern SZ with new members.
RMurthy , our exchange of ideas planted last month as a Seed has sprouted fast even in Carona hard days & Sri Angurajan last week was echoing similar sentiments of liberal Expansion. Already SZ who displayed lower Membership figures than even small compact CZ crossed CZ Total but had no opportunity to ventilate inTrichy meeting u all wonderfully arranged .This announcement from you is music to the ears & it is not a run, it is a Gallop , Thanx to you & Sri Angurajanji Keep it up Keep Flag of SZ high . Very well done --- RBKISHORE
In SZ Tamilnadu alone has more than 800 members. Except Kozhikode Kerala divisions are not active enough. As a result members join in other unions.
We have decided to strengthern SZ with new members.
RMurthy , our exchange of ideas planted last month as a Seed has sprouted fast even in Carona hard days & Sri Angurajan last week was echoing similar sentiments of liberal Expansion. Already SZ who displayed lower Membership figures than even small compact CZ crossed CZ Total but had no opportunity to ventilate inTrichy meeting u all wonderfully arranged .This announcement from you is music to the ears & it is not a run, it is a Gallop , Thanx to you & Sri Angurajanji Keep it up Keep Flag of SZ high . Very well done --- RBKISHORE
9)MESSAGE from RBK for RIEA Bhopal WhatsApp Monthly Meeting
Dear Sri Pramod Bhatnagar,1) Many thanx for your cordial call for a Message from this humble self,called Patron of AIRIEF for your Bhopal Monthly Meeting thro WhatsApp group members
This is a novel & unique idea , especially when many of us Pensioners have retired peacefully , thinking nothing can be done & so best course is not to trouble ourselves & incidentally as a corollary not to inconvenience others too
This is a pacifist & negative thought of alienation & not to use the Right brain which Indians lack , as preponderantly we are Leftbrain Adult thinkers & doers & so never think of shining Success or Lustrous Performance
2) Originally some had a total negative idea of WhatsApp groups as disparate thoughts are aired, purpose of THAT Group is forgotten & anything & everything can be inserted.Poor Administrators, a thankless job but a critical one to unify many ,segregate the few hardcore Pensioners unruly & adamant justifying the truth we Indians are Pharisaical temperament which believes itself to be impregnable in the right & its opponents to be indubitably in the wrong .
WhatsApp is a boon, enables very quick transmission of news, lots of Pensioners problems & grievances aired,solutions suggested, ideas sprout, intelligent analysis,synthesis can be made,policymakers must utilise these, as a precondition, they themselves must read every day,& easily spot out good talents for grooming in the days to come,Staleness & Routinisation steps in if one stays for long in any Post,new Blood must be infused, Pensioners age 60 --70 must be the future Torchbearers,& a few of age 70-75 as a LightHouse ,as Friend,Philosopher & Guide to enable Youngsters to don their allotted role for Enrolment & Expansion, Rejuvenation & Reignition ,& spreading the tentacles far & wide throughout the length & breadth of the country.
3)A casual glance & study of 31/3/2020 chart of AIRIEF Treasurer reveals some zones are yet to pick up.Number of Members of SCZ is ranked No 2,next to WZ,which is No 1.
WZ is No 1 in strength . WZ LFD totals have tumbled,as it used to lead a few years before.
Of course, general trend & thinking of post 8/1997 & especially of post 8/2002 pensioners who get HANDSOME pension & EVEREST Retirement benefits is donate Rs1000 !!! Gratuity in one stroke Rs 10lacs to 20lacs wef 29/3/2018.Not for nothing all Sr Pensioners & Sr Sr Citizens cry in anguish,as every benefit was low abysmal & lukewarm , no saving & so no investment & no wealth creation .
ALL of us have to pray the Almighty that Sri Nidesh Gupta,Sr Counsel, who pleaded with then SC Bench that he needs minimum 2 hours.BRAVO NIDESHji.Like Lord Hanuman set fire Sri Lanka to retrieve Lord Rams consort benevolent Seetha, set fire to SC with ur incisive, penetrative arguments & data & logic & let Constitution be upheld, its Principles validated, Rights enshrined be showered on Elders & Pensioners who made this Institution Lustrous with golden glory, & above all every Negative feature be reversed removing obnoxious Anamaolies of 7 steps below getting higher than Seniors, & Discrimination in DA/DR basic to compensate for cost of living be shattered with uniformity for all, & heralding once for all Satyameva Jayate, Truth will Triumph
.After the death of Sri JKKarulkar,the goodwill, image & public relations came down significantly & CO does not witness any Leader of merit or Repute going round, making friendship, courtesy call with Top Mgt, & securing even latest info or inside news significant for pensioners.Mr Ivan Rodrigue has only Telephone No but NO email id, a stumbling block.His wife passed away recently, sad blow to him. Right & Left, Pensioners are battered, RP dies, FP dies, relations die,Corona Covid 19 has suffocated entire world & humanity,Pensioners are red in their faces not knowing the exact position of their sons & daughters & relatives.Many are stranded,quarantined, when US President congratulated PM Modi for revenue spurt in crores, on liquor shops opened, PM jocularly gesticulated that look, when salons still not opened, hair style has changed for many or uncouth, get opened for Ladies, this income will outbeat revenue for states on Tasmac opening !
4) SZ was behind even CZ & NCZ numbers, but this position has changed ,as SZ has outwitted CZ & NCZ to annex Rank no 3 ,after WZ, SCZ,who are far ahead.
Bhopals growth in numbers has been gradual,Indore has jumped by 100 & more, after 4 years effort.Please wait for Chennais position,as Lockdown from 23 March 2020 engulfed all in tragedy & pathos,anger & frustration,plethora of Bulletins & announcements making confusion worse confounded.
5)That new Retirees are not willing to occupy OB, EC position also has to be remedied.
Mumbai & Delhi revamp is crying for a MAKEOVER , we cannot be mute witnesses.Out of the Box thinking is a must.
6)Mrs Seetha Kishores experiences initially with her ZOOM group was not a happy one as many errors, aberrations,Faultlines, voice fading, blank screens etc occurred.
I shall be busy with my own activities .It is a great pleasure to send this Message,I hope to be excused for not enabling Audio or Video of this.
Pramods voice is like Jesudoss,for him even Mikeless is ok, Dedication is his watchword.We all must emulate this in daily life & transplant such virtues & more for the dynamic Growth & development of RIEAs,LIMBS as they are, to enable the TREE of AIRIEF to grow, nurtured by the SEEDS of Member Pensioners to strengthen the ROOTS for a Dhoni or Kohli to clout a SIXER & emerge in VICTORY STAND as a PERVASIVE PENSIONERS FEDERATION for all times to come
31 MAY is our WEDDING DAY, glad to inform that Myself & Mrs Seetha Kishore enjoyed the Voyage of Rainbow of Colours of 50 YEARS of HAPPY MARRIED LIFE, GOLDEN JUBILEE . 81 & 74 years we are, started at Chintadripet,Chennai crowded locality way back, with 24 members of my Joint Family !!
Greetings & Blessings to all of you,as I am supposed to have seen rare phenomenon of a 1000 FULL MOONS.
Warm regards--- RBKISHORE 22/5/2020 PATRON,AIRIEF,ED(Retd),LIC LIFE MEMBER PROBUS,Ph:044-28155810(R) 09840340591 (M).
ITR (Income Tax Return Forms) 1 to 7 for AY 2020-21 notified: CBDT notifies Form ―Sahaj (ITR-1), Form ITR-2, F.... Click here to view the full Article
**RevisedIT Return Form 26AS Annual Information Statement
[See rule 114-I ]
Financial Year:
XXXX-XX Assessment Year:
XXXX-XX
XXXX-XX Assessment Year:
XXXX-XX
Part A
Permanent Account Number:
Aadhaar Number:
Name :
Date of Birth/Incorporation:
Mobile No. :
Email Address :
Address:
Aadhaar Number:
Name :
Date of Birth/Incorporation:
Mobile No. :
Email Address :
Address:
Part B
Sl. No Nature of information
1. Information relating to tax deducted or collected at source
2. Information relating to specified financial transaction
3. Information relating to payment of taxes
4. Information relating to demand and refund
5. Information relating to pending proceedings
6. Information relating to completed proceedings
7. Any other information in relation to sub-rule (2) of rule 114-I
* 12)
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i)Respected Madam Seethaji and Respected Sri Rama...ji
Through small lane,to Street, to road ,to national high way to reach landmark of 50 th wedding anniversary to celebrate with witness of 1000 full moon is only because of ( L.I.C)Life in comfort,( L.O.C) Line of controls over limited needs, ( L.O.L) lots of love for each other,( L.O.F.) lots of faith for each other.
Smt Seetha and Sri Rama....are born to help others,to love others,to carry sincerely the burden of others problems.
It is said that marriages are arranged in Heaven but Sir, they are managed and fullfilled with love and faith in Heaven on earth that is our HOMES.
I bless both of you to continue the religious journey national high way.
Yours sincerely, ------------BP BUCH.( D.O.B.14/9/1937 !!!
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JaganFiddle ii)
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RB Kishore,
PATRON,AIRIEF,
ED(Retd),LIC
Life Member,Probus Club
044-2815 5810 & 098 4034 0591.
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