
This Site was created in 2008 as Signals Family, it is now fully dedicated to the Veterans of the Indian Army, Navy and IAF to guide and help them in managing their Post-Retirement phase. Its a Mega-Store of verified updates on our concerns as Veterans, my payback to the Community I belong. Happy to be of help to my fellow Veterans (सेवा परमो धर्मो) *Brig Narinder Dhand (Veteran)*.

INCOME TAX - FOR FY 2025-26 (AY 2026-27)- CURRENT FOR ITR JUL-26
This post is in continuation of our last post CLICK HERE TO OPEN.
For Financial Year 2025-26 (AY 2026-27), the New Tax Regime (Section 115BAC) remains the default option, featuring lower tax rates but no deductions. Income up to ₹4 lakh is tax-free, with a rebate under Section 87A making income up to ₹12 lakh effectively tax-free. A ₹75,000 standard deduction applies for salaried individuals/Pensioners. For the Family pensioners opting for NEW REGIME the deduction under Sec 57(III) has been increased from 15000 to 25000 or 30% of Family pension which ever is lower. The New Regime has further been made more attractive and beneficial for a larger segment of Middle Class Tax payers.
Dear Veterns .
You may be aware that CDR SANTHANAM's videos in YouTube channel “HELPING HANDS FOR ECHS “ answers close to 100 % of Queries you may have on ECHS. Every Video has been carefully Designed and Produced with an AIM to bring accurate Information of the ECHS Policies & Services. This effort ensures past Policies are linked to latest , so that What You Watch is the Current Policy. As on 19 Jul 2025 ,
Latest Litigation News: Disability pension cannot be denied solely on the ground that the onset of the disability occurred while the force personnel were posted at a peace station, the Court said.
INCOME TAX - FOR FINANCIAL YEAR 2024-25 (AY 2025-26)
(NOTE - This post is further to our post (CLICK) for past FY in this site ) )
1. For the FY 2024-25 (current) even though not many changes have been made from the previous year, the New Regime has further been made more attractive and beneficial for a larger segment of Middle Class Tax payers. For a Taxable Income of 12 Lakhs the total savings for salaried person incl pensioner savings to the extent of Rs 17000 have been incorporated as compared to FY 2023-24.
ANNUAL LIFE CERTIFICATES
INCOME TAX PROVISIONS FOR FINANCIAL YEAR 2024-25 (AY 2025-26)
(NOTE - This post is further to our post (CLICK) for past FY in this site ) )
1. For the FY 2024-25 (current) even though not many changes have been made from the previous year, the New Regime has further been made more attractive and beneficial for a larger segment of Middle Class Tax payers. For a Taxable Income of 12 Lakhs the total savings for salaried person incl pensioner savings to the extent of Rs 17000 have been incorporated as compared to FY 2023-24.
EXTRACT OF TABLES -
1. TABLE NO -1 - REGULAR COMMISSIONED OFFICERS
CLICK HERE TO VIEW OR DOWN LOAD - CLICK
2. TABLE NO -2 - COMMISSIONED OFFICERS - AMC/ADS/RVC
CLICK HERE TO VIEW OR DOWN LOAD - CLICK
3. TABLE NO 7 - JCOs & OTHER RANKS (EQUIVALENT RANKS IN NAVY AND IAF
CLICK HERE TO VIEW OR DOWN LOAD TABLE 7 - CLICK
HOW TO CHECK THE CURRENT STATUS OF YOUR NA MEDICINE CLAIMS USING YOUR PHONE , TAB OR PHONE
It is more than frequesmt now that we have to purchase medicine that are not available in ECHS policlinics after the prescription with NA printed against the medicines not issued. this is your authorityn to purchase medicines from a pharmacy which has a GST Number,
After the purchase is done you should be getting a proper printed INVOICE of the pharmacy mentioning the medicines , qty and cost individual and total. The invoice shoud be signed by the pharmacy and stamped.
FILING YOUR CURRENT ITR- FY 2023-24 (2024) & CHOICE OF BENEFICIAL REGIME OLD/NEW.
RELIEF ON INCOME TAX ON ARREARS OF OROP-2
1. There have been Many queries from our readers on as to how to work out relief on Arrears of OROP-2 which has jumped up the Taxable income for the Financial Year 2023-24., which had been received during the year and also what we should do before filing the current ITR before 31st of Jul 2024
3. The installments of OROP-2 or portion of it that falls under the FY 2023-24 has added to your income thereby enhancing the amount of Income Tax that will be assessed that becomes due accordingly
DISABILITY - NEW RULES ISSUED BY THE GOVERNMENT ON CASUALITY PENSIONARY AWARDS
THIS IS OUR LATEST & CONSOLIDATED ACTION POST ON MIGRATION TO SPARSH FOR ACTIVATING YOUR ACCT AND SUBMISSION OF ANNUAKL LIFE CERTIFICATE- Updated on 20 OCT 2024 - 👌👌
SPARSH SOME NOTABLE ASPECTS
SPARSH is the acronym used for “System for Pension Administration Raksha” and is an integrated system for automation of sanction and disbursement of Defence Pensions. It implies that your pension account still remains in the same bank & branch but the processing activity of pension credit, which was being done by the bank’s CPPC gets shifted from the Bank to SPARSH under the aegis of PCDA(P) Priyagraj (UP). In effect it means that all activities related to your pension will now be with PCDA(P) after your migration to SPARSH and Banks will have nothing to do with your pension activities except keeping your Bank Account.
IMPORTANT POLICY LETTERS CAN BE VIEWED OR DOWNLOADED FROM THIS WEB POST.
1. RULES CASUALITY PENSIONARY AWARDS - Dept of Ex Servicemen Welfare - 21 Sep 2023. New rules for the award of disability pension have been promulgated by the MoD with vast changes.
NO INFORMATION - HOW TO ACTIVATE YOUR ACCOUNT WITHOUT TEARS SIMPLY AS A LAY-MAN (UPDATED 16 Oct 23)
1. A very large number of pensioners have already been migrated to SPARSH that their recent Pension had been remitted by PCDA (P) through SPARSH as informed by their banks on their registered mobiles.
2. However it has also been seen that many have not received the log in ID and the Password or in some cases SPARSH PPO number has also not been given. in case SPARSH PPO Numbe has been provided one can ........ (CONTD BELOW)
LIVING WILL - PASSIVE EUTHANASIA
(Post is under Construction - We seek additional inputs from our readers for inclusion here , plz mail to :: nkd616@gmail.com)
This Web Post outlines the details of LIVING WILL, how to write and execute it laying down step by step procedure with precise details as obtained from the experts in connection with Passive Euthanasia.
PASSIVE EUTHANASIA means that a terminally-ill patient where there are no chances of recovery in the opinion of the doctors attending on him/her be allowed to die peacefully rather than subjecting the patient to the miseries of life support systems which may extend life by few days.
THE CALCULATION TOOL POSTED IN THIS POST SHOWS YOUR REVISED TOTAL PENSION FOR APR-23 AND TOTAL ARREARS UPTO MAR-2023 (DA@38%) WITHOUT INDULGING INTO ANY MATHEMATICAL CALCULATIONS
PAYMENTS OF ARREARS - Its final now as directed by the Supreme Court of India. The arrears will be paid as under :-a. By 30 Apr 23 - Family Pensioners and Gallantry Award Winners. (Already over but many still to get them)
b. By 30 Jun 2023 - Pensioners above 70 years of age.
c. Remaining pensioners will be paid arrears in three instalments by 31st Aug 23, 30 Nov 23, all arrears will be cleared by 28 Feb 2024.(NOTE-The next equalisation due in 2024 will not be disturbed.)
SPARSH- LATEST UPDATES FOR ALL DEFENCE PENSIONERS BEING MIGRATED FROM BANKS. (UPDATED - 16-Oct-2023)
(Post Updated using various channels. The ESMs may join us for free for updates by opening https://bit.ly/3Iqnv0l )
A large numbers of Veterans are being migrated to SPARSH. THERE IS NOTHING TO PANIC – PLEASE RELAX your pension will continue under any circumstances. Before one is migrated it is essential to update AADHAR CARD / PANCARD and Email address with your bank. Ensure THAT one uses PINCODE as given on Aadhar in SPARSH as well. .............. (CLICK BELOW)
RBI LAUNCHED CBDC ON 01 DEC AS A PILOT IN FOUR INDIAN CITIES.
WHAT IS CBDC - To those not well versed with digital currency technology, cryptocurrency and CBDC might seem tobe one and the same thing . But they aren’t.
1. The RBI had mentioned earlier that “CBDC is the legal tender issued by a central bank in a digital form. It is the same as a fiat currency and is exchangeable one-to-one with the fiat currency. Only its form is different.” In effect, the retail e-rupee will be an electronic version of cash, and will be primarily meant for retail transactions. It will be potentially available for use by all — the private sector, non-financial consumers and businesses — and will be able to provide access to safe money for payment and settlement, as it will be the direct liability
ACTIONS BY NOK ON DEMISE OF A PENSIONER OR FAMILY PENSIONER
1. This post is in an abridged form of the main POST on the SUBJECT and has been created here to provide quick guidelines on the actions to be taken. The demise of a family member specially the Pensioner is an utmost traumatic moment for the NOK. However, the orderly transition of life in the absence of the Veteran has to be ensured.LETTERS THAT SHOULDN’T BE WRITTEN
CORPS DOMESTIC MATTERS
SAM MANEKSHAW- A LEGEND
AGIF INITIATIVES FOR VETERANS & SPECIALLY ABLED CHILDREN
Extended Insurance (EI) Scheme.REIMBURSEMENT MODULE SELF LOGIN AND UPLOAD OF INDIVIDUAL REIMBURSEMENT CLAIM
SOLDIER’S PRIDE IS NATION’S SECURITY (OROP)
By
Lt Gen PG Kamath (Veteran)
“A lot of Faujis would know Lt Gen PG Kamath (Veteran). He does not write Retd, I am following suit now. He has written a brilliant piece on OROP. This one has all the rationale and logic clear. Makes mince meat out of any other argument. Unfortunately not on any domain or website. As such I am posting the entire script here. - LT GEN ATA HASNAIN”
We at Signals Parivaar Portal welcome all retired and serving signal
officers and their family members to be part of our mailing list of over 2500 Signalers
grouped under the single mail id <signalsfamily@googlegroups.com>. Any member can send any informative mail to the entire group subject to some T&C as explained in this post using the group ID. We
also continue our endeavour to reach out to those veterans who have yet to have
their mail ids listed with us. Please contact our Member Managing Coord at mgr.grps@gmail.com
for any issue related to us,
SALIENT FEATURS Please open the full post by clicking below--
April 21, 2020 Legal News Legal Updates, Questions & Answers 0
Constitution of India - Did You Know This
Within a vault-like room in the Library of the Parliament of India in New Delhi sit helium-filled cases - 30x21x9 inches. The temperature is fixed at 20°C (+/- 2°C) and a 30% (+/- 5%) relative humidity is maintained throughout the year. Within the nitrogen-laden case lies a 251-page bound manuscript. Its weight: 3.75 kilograms. Its title: Constitution of India. The original manuscript of the Constitution of India that came into force on January 26, 1950. Exactly 71 years ago.
**FLASHES**Updated 22 Aug 2026**ECHS- All in 142 Videos ** Write Your WILL Today To Protect Your Family- Don't leave them in Lurch** J...