USEFUL
INFORMATION FOR RETIRED
OFFICERS/SPOUSES/NOK
INDEX
Ser No. Subject Page
No.
1. INTRODUCTION 4-11
·
General.
·
Precautions to be taken by the Elderly
Persons.
·
Carry Identity Card.
·
Financial Matters.
·
Contact Information.
2. IMPORTANT INFORMATION FOR
PENSIONERS.
12 - 21
·
The
Pension Payment Order (PPO).
·
Joint
Account With His Spouse Joint Account With His Spouse.
·
Some of the common
failings by pensioners are given below.
·
Not
Having Joint Account with Wife.
·
Not
Giving Any Nomination in Bank, LIC. FD, MF .
·
What is a nominee?
·
Why is the concept of nominee ?
·
Example of Nomination.
·
Nomination in Life Insurance.
·
Nomination in Mutual funds.
·
Nomination in Shares.
·
Nomination in PPF.
·
Nomination in
Saving/Current/FD/RD Account in Banks.
·
Wife’s
Name is Different From What is Notified in PPO.
·
Non
Submission of Life Certificate in Time.
·
Not
Having Copies of Important Documents like PPO, Post Retirement Insurance etc.
·
Not
Writing a Will.
·
Problems
Faced by NRI Pensioners.
·
Not
Knowing the Procedure of Lodging Complaints against Banks.
·
Endorsement
of Family Pension and Age of
·
Spouse
in Pension Payment Order (PPO).
·
Bank
Account for Pension.
·
Update your
Records.
·
Lease Deed.
·
Notice for Non Payment of
Rent.
·
A Power of Attorney
(Special).
3. Legal Aspects Related with
Family Pension 21-22
·
Who in the Family has First Claim to Family Pension?
·
Legal Wife and Legal Child.
·
Wife and Legal Child.
·
Provisions for Division of Family Pension.
·
Restrictions
on Drawing more than One Family Pension.
4. DOCUMENTS TO BE SECURED BEFORE
DEATH 22-23
·
Primary
documents.
·
Insurance
details.
·
Pension
documents.
·
Property
papers.
·
Bank
account details.
·
Bank
locker details.
·
Demat account details.
·
Other
investments.
·
Online passwords.
5. ACTION ON
DEATH’ FOLDER AND ITS CONTENTS 23-25
·
Will.
·
How to make a WILL.
·
Clauses in a WILL.
6. On
the occurrence of Death 25-30
·
Intimation
of Death.
·
Payment
of Platinum/Demise Grant.
·
Improvements
in Extended Insurance Scheme of Army Group Insurance Fund.
·
Survival
Benefits.
·
EI
Certificate of Eligible Members.
·
Coverage
for Members who Joined the Scheme Earlier.
7. PROCEDURE FOR
CLAIM OF BENEFITS 30-31
·
Ordinary Family Pension.
·
Grant of Family Pension for life to Handicapped Children.
·
Dependents Pension.
·
Canteen / Ration Facilities.
·
Legal Assistance.
·
Rehabilitation/
Caring Facilities for Veterans.
·
Artificial
Limb Centre, Pune.
·
Palliative
Care Centre, Base Hosp, Delhi Cantt.
8. APPENDICES 32
- 49
·
Appx ‘A’( Ref Para 9(b))- Nomination For Claiming Arrears
·
Appx ‘B’ (Ref Para 9(e))- Application For
Endorsement Of Spouse’s Age In PPO/ Pension File
·
Appx‘B’Ref Para 9(e)- Change Of Name- Gazette Notification
·
Appx ‘C’ Ref Para 9(f) - Life Certificate
·
Appx ‘D’ ( Ref
Para 10(a)) - Endorsement Of Family Pension Entitlement In the PPO.
·
Appx ‘E’ (Ref Para 23)- Lease-Deed
·
Appx
‘F(Ref Para 24)- Notice For Non Payment Of Rent
·
Appx ‘G’(Ref Para 25)- Power Of Attorney (Special)
·
Appx ‘H’(Ref
Para 34) - Suggested Format For Will
·
Appx ‘J’(Ref Para 37(d)) - Letter Of Intimation Of Death
·
Appx ‘K’ (Ref
Para 51) - Application
For Platinum Grant (If Not Received )
·
Appx ‘L’(Ref Para 52) -
Procedure For Verification Of Date Of Birth
(DOB)
·
Appx ‘M’(Ref Para 57) -
Application For Encashment Of Extended
Army
Group Insurance Policy
INTRODUCTION
1.
General. You might have made enough money to make your family comfortable
for the rest of their lives, but will they get what is rightfully theirs. Have
you ever bothered to think what would happen to your family after you have
departed from this world? In modern life, matters are not as simple as they
should be. Every aspect needs a document, a written statement. May be you do
have them, but where are they? Are they easily accessible? Even the educated
and working ladies generally do not take any interest in financial matters.
They take pride in saying that my husband looks after financial/bank matters.
Please tell your Spouse/NOK where/how to locate and to operate the documents while you are alive. Also
prepare a file containing all letters which are required to be sent by the
widow/NOK to various authorities, with all columns completed less date and
cause of death being left blank. The widow should be able to only fill these
blank columns, date the letter, sign and post the same. Separate envelopes duly
addressed should also be attached with each letter. This action will be of
immense help to the widow in her time of grief. The following documents must be
kept centrally with the knowledge of Spouse/NOK:-
·
Will.
·
Details
of Bank Accounts and Bank Lockers (including key number).
·
Bank/Post
Office Accounts and lockers should be in joint names. Facilities of nomination
should be availed. Nominees should be
other than joint operators.
·
Fixed
Deposits should be held jointly. Date of payment of interest as well as of
maturity should be noted in a diary or on a calendar for timely action.
·
Cumulative
Time Deposits of Bank/Post Office, PPF etc. Pass Books should be got updated
regularly.
·
Birth
Certificate.
·
Motor
car/scooter papers and insurance papers for these.
·
Income
Tax/Wealth Tax files.
·
Policy
files- LIC, GIC, Health/Mediclaim/Fire/Household Accident etc.
·
Pension
Papers.
·
Property
files- Real Estate, Flat ownership etc.
·
Property
Tax papers.
·
Telephone
file- first original Bill.
·
Deposit
receipt for Gas/Electricity/Water etc.
·
Passport,
Driving License, Identity Card, ECHS Card, Canteen Smart Card, Sainik Board
Ex-Servicemen Identity Card, Club/Institute membership cards etc (photo copies
of thereof to be kept separately).
·
Medical
file including relevant test reports and medicines taken regularly.
·
Share
certificates, their allotment advice for ascertaining capital gains.
·
Rent
papers (Receipts, Lease document and any related correspondence).
·
Pending
litigation papers and court decision, if any.
·
Details
of loans, if any, taken for House-building/purchase of car etc and their
repayment schedule.
·
Details
of Credit Cards/ Debit Cards with dates of validity.
·
Any
other matter of interest to your family/NOK.
2. Precautions to be
taken by the Elderly Persons.
·
It is suggested that
older persons specially those staying alone should observe strict precautions.
·
Get police verification
done of your domestic help.
·
As far as possible avoid
employing Gorkhas of Nepal origin since it is difficult to verify them.
·
Install Magic Eye and
Door Chain on the entrance door and instruct your servant not to open the door
without your permission.
·
A stranger could mean
danger. Do not let in a stranger even for glass of water, letter, parcel or
money order, unless you recognize the deliverymen.
·
Verify over telephone,
the genuineness of a stranger, who drop in with a relative’s reference.
·
Be in regular touch with
your neighbors and relatives and keep their telephone numbers handy.
·
Preferably, install a
system to alert neighbors in case of emergency.
·
Avoid employing unknown
persons such as masons, carpenters, painters,
electricians etc. Their
reappearance without being called, should be treated with suspicion.
·
Put effective warning mechanism
on your doors and windows.
·
If possible keep watch
dog as a pet.
·
To avoid tripping, keep living
space free of clutter and obstructions.
·
Keep night light on.
·
Keep supports to hold on
to around in the house.
·
Keep fit and alert.
·
Always go out in a group
for morning and evening walk and avoid the same route if alone.
·
Keep vital Telephone
numbers handy for emergency.
·
Inform your nearest PCR
van and neighbors if you are suspicious of some one.
·
Do not be recluse and should
keep socializing.
·
Do not talk about family
secrets/property in front of strangers or servants.
·
While going out always
put some light on.
·
All doors and windows
should be fitted with strong iron grills.
3. Carry Identity Card. To ensure that you get
prompt and proper Medicare, you should always carry an identity card/ disc
having your Personal Information in local language:-
·
Name, Address and
telephone No.
·
Blood Group and allergy
if any.
·
If suffering from
Epilepsy, heart problem or diabetes.
·
I card may save your life during emergency.
4. Financial Matters.
·
If you are ready and
easily afford to write off the amount, then and only then give loan to your
friend or relative. They may not be in position to refund it. It may result in strained
relations.
·
Do keep some reserve cash
at home, but not a large amount, only sufficient to meet sudden and emergent
requirements.
·
Each holder of a joint
account should possess own pass book.
·
Do not stand guarantor
or surety for any elderly or sick person, to indemnify any institution against
loss due to any default on part of that person unless you are prepared to pay
up yourself. Be careful you may be leaving unmanageable liability to your spouse/children.
·
Do open and maintain a
PPF account for best returns, maximum safety and tax saving. PPF account should
have spouse as nominee or next of kin if widow or widower.
·
All accounts and all
financial instruments should have only one nominee to avoid tussle between
them.
·
Unless you are
thoroughly conversant with the cyber security pitfalls, DO NOT resort to e-banking.
·
Do verify Pas Book
entries against the cheques issued to ascertain whether any unauthorized
withdrawals have not been made.
·
Never leave large amount
in any one Bank/in any one account to avoid banking frauds. Keep updating balances
and status of your Fixed Deposits. Large amounts in any one FD should be
avoided.
5. Local information to
be recorded and kept ready.
·
Local ECHS / Military Hospital/ Nearest
Registered Medical Doctors’ Tele Nos. For emergency attendance of Patients.
·
Housing Society President/Secretary
Tele Nos.
·
CSD Managers Tele No.
·
Ambulance/ Hearse Van
Tele No.
·
Address of shops for last
rites materials.
·
Tele No & Address of
Authority for Registering the Deaths.
·
Local Club Tele Nos.
·
Local Cremation Ground Tele Nos.
·
Local Arya Samaj / Sanatan Dharm , Gurdwara,
NSS etc. Tele Nos.
·
Local News Paper Tele Nos. for booking of Obituary.
·
Tele Nos of near &
dear ones to be intimated in emergency.
·
Tele Nos of Police
Station , Fire station & Water Tanker Services.
·
Local Units / Head Quarters /CSD Canteen Tele
Nos. for necessary assistance and ADLR.
6. Contact Information.
6.1.Kendriya
Sanik Board
West Block
IV, Wing 5,
RK Puram
New Delhi –
110 066
Subjects
dealt with: Welfare of
Veer Naris /Disabled Soldier, Air/Rail Travel Concession, Reservation of seats in professional institutes, telephone
connection etc.
6.2. Ceremonial
& Welfare Directorate AG’s Branch
IHQ of MoD (Army) 153A,
Kashmir
House,
Rajaji Marg,
DHQPO,
New Delhi –
110 011
Director:
01123794985 , Jt..Dir: 01123794377
Tele Fax
:01123794985
e-mail:randwection@sify.com
Subjects
dealt with: Release of one time grant from Army Central
Welfare Fund (ACWF). Assist the Veer Naris & Disabled Soldiers for other
benefits.
Benefits from Army Welfare Corpuses.
6.3. Ceremonial
& Welfare Directorate (CW-3)
AG’s Branch,
IHQ of MoD (Army) 206G
South Block
DHQ PO,
New Delhi –
110 011
Telephone
011-23012662
Subjects
dealt with : Education Scholarship for Children of Battle
Causalities.
6.4.
Ceremonial & Welfare Directorate (CW-5)
AG’s Branch,
IHQ of MoD (Army) 402,
A Wing, Sena Bhawan,
DHQ
PO ,
New Delhi
–110 011
Telephone
011-23012662
Subjects
dealt with :
Rehabilitation training courses for disabled soldiers (Battle Casualties).
6.5. Welfare
Complex
IHQ of Mod
(Army) 210,
South Block,
DHQ PO,
New Delhi – 110 011
Telephone
011-23375152
Fax
011-23018183
Subjects
dealt with: For release of one time grant of Rs.6,000/-
from Welfare Complex and Queries/Clarification thereof. Penury, Education Scholarship
for Children of ESM/Widows.
6.6. Army
Welfare Education Society
Building
No.202,
FDRC Complex
APS Shankar Vihar
Delhi Cantt – 110 010
Director
011-26152642
Fax
011-26151564
Subjects
dealt with: Admission in Professional Courses for Widows/Wards
of Battle Casualties.
6.7. Director
Man Power (MP-5)
AG’s Branch,
IHQ of MoD (Army) 85,
Second
Floor, Wing VII West Block III,
R K Puram,
New Delhi – 110662
Telephone
011-23375475, 26195662
Fax
011-26106329
Subjects
dealt with: Publication of occurrences and submission of
various claims relating to officers.
6.8. Army
Group Insurance Fund
AG’s Branch,
IHQ of MoD (Army)
Rao Tula Ram
Marg,
Post Box
No.14
New Delhi –
110 057
Col Coord:
011-26142369
Director
Claim – 011-26145709
Exchange
011-26142749,26151031
Asst
Director Claims: 011-26142897
Fax –
011-26148471
Subjects
dealt with : Army
Group Insurance Benefits.
6.9.
Directorate General Resettlement
West Block
IV, Wing 1,
RK Puram,
New Delhi –
110 066
Director
Employment : 011-26192352
Fax : 011-26192350
Director
Self Employment:
011-26192355,
Fax: 011-26192356
Subjects
dealt with: Assistance
for self employment and resettlement.
6.10. Quarter
Master General’s Branch
IHQ of MoD
(Army)
438, B Wing,
Sena Bhawan
DHQ PO,
New Delhi –
110 011
Telephone :
011-23375237
011-23375238
Subjects
dealt with: Provision for retention of Government
accommodation.
6.11. Army
Officers Benevolent Fund (Accts Sec)
AG’s Branch,
IHQ of Mod (Army)
279A, South
Block
DHQ PO,
New Delhi –
110 011
Tele Fax –
011-23792382
Subjects
dealt with: AOBF grant
for NOKs of deceased officers/Disabled IMB/RMB
6.12. Army
Welfare Housing Organisation (AWHO)
AG’s Branch,
IHQ of MoD (Army)
Kashmir
House, Rajaji Marg,
DHQ PO,
New Delhi –
110 011
Secretary
AWHO
Telephone –
011-23074202
Subjects
dealt with: Provision
of AWHO Flats
6.13. Army
Welfare Placement Organisation (AWPO)
Room No.53,
West Block III
RK Puram,
New Delhi – 110 066
Telephone –
011-26186075,26100241
Toll Free –
1800-11-9922
Subjects
dealt with: Placement
of Veer Naris/Disabled Soldiers in Private Sector and to provide second career to retiring/retired army personal.
6.14. Ex-Servicemen Contributory Health Scheme
Maude Lies,
New Delhi –
110 010
Telephone
-011-25683418, 25684846
Telephone
-011-26192362
Website: www.dgrindia.com
(under KSB)
Subjects
dealt with : Medical
facilities of Veer Naris/ESM
6.15. Additional Directorate General Personnel and
Services
ADG PS
(PS-5)
AG’s Branch,
IHQ
of MoD (Army) 419,
A Wing, Sena Bhawan,
DHQ PO,
New Delhi –
110 011
Telephone
-011-23792557
Subjects
dealt with : All matters pertaining to pension.
6.16. PCDA
(Pension)
Draupadi
Ghat,
Allahabad
(UP) – 211014
Telephone –
0532-2622618
0532-2622698,2622699
Fax:
0532-2621549
Subjects
dealt with : All matters pertaining to pension.
6.17. OIC
Defence Pension Liaison Cell (DPLC)
HQ MP,
C&A Sub Area,
Allahabad(UP)
– 211001
Telephone -
0532-229-6219
Subjects
dealt with: Liaison
related to pension matter from PCDA(P),Allahabad
6.18.
ADG/Personnel and Services
AG’S Branch
IHQ of MoD
(Army) 434
A Wing,
Sena Bhawan
DHQ PO,
New Delhi –
110 011
Telephone –
011-23018699 Mil-33334
ADG CW TELE
011-23018108
Dir AG/CW 5
Tele 011-26195662
6.19. Army
Officer’s Benevolent Fund
Ceremonial
& Welfare Directorate
Adjutant
General’s Branch
Integrated
HQ of MoD (Army)
Room No17-B
West Block III
RK Puram,
New Delhi 110066
Tele
011-26196217
Subjects
dealt with: Platinum
Grant
6.20.
AWWA Head Office
Dir (Welfare)/ President ,
AWWA Secretariat 210,
South Block,
IHQ of MoD (Army)
New Delhi – 110011011-23012897,
www.awwa-india.org, presidentawwa@awwa-india.org
6. 21.
Veterans Cell
DDG Veterans Cell
Room No 278, South Block
IHQ of MoD(Army),
NEW DELHI – 110011
Tele: 23010608, 23016798 ,
1800 116644
Subjects
dealt with:To ensure a time bound
response to various issues/grievances concerning “Veterans‟, a
single window set up has been established under DG (MP & PS).
ACTIONS TO BE TAKEN ON RETIREMENT
7.
The
Pension Payment Order (PPO) is a very vital document and original PPO
and subsequent corrigendum issued by the Pension Sanctioning Authority, PCDA
(P), Allahabad should be maintained properly. Keep your spouse informed of the
entitlements. In case the original PPO dispatched by the PCDA (P), Allahabad to
the bankers is lost by them, which result in delay in initiation of the
pension, the bank should issue a loss certificate and take up the case
with PCDA (P), Allahabad for issue of duplicate PPO. The pensioner is advised
to approach the Central Pension Processing Cell (CPCC) of the
concerned bank as well as the payee branch and submit his identification
for initiation of the pension. The pensioner must visit his pension disbursing
agency (bank) for submission of life certificate. It has to be rendered
annually, generally in the month of November. Any change in residential
address must be intimated to the Records which is MP-5(B)/ MPRS (O) and the
bank. There is no requirement of issue of Corrigendum PPO in case the pensioner
needs to change his bankers. In case the pension has not been withdrawn for
more than 12 months, the PDA must be approached along with explanation for delay, non-employment and
non-conviction certificate failing which the pension would be suspended by the
bank. For making any correspondence regarding the pensionary grievances, the
following details must be provided:-
(a)
IC No.
(b)
PCDA (O) A/c No (in case issue pertain to pay & allowances).
(c) The name, rank, length of service and PPO
number and date (a copy of PPO may be enclosed if possible).
(d) Name of the bank and the account No
8. Joint
Account With His Spouse . The pensioner can maintain a joint account with his
spouse. The same also facilitates in release of Life Time Arrears and Family
Pension as and when the contingency arises. All Govt letters issued from time
to time pertaining to pension are available on the website of PCDA (P),
Allahabad at www.pcdapension.nic.in. The NOK of an Armed Forces personnel who
was in receipt of two pensions, i.e from military as well as Civil, shall also
be entitled to two family pension wef 24 Sep 2012. The entitlement to
pension/family pension remains unaffected in respect of NRI pensioners/change
of nationality. The pensioner/family pensioner is exempted from personal
appearance before the PDA provided the Indian Embassy/Mission abroad issues a
certificate to the effect that the pensioner/family pensioner has been
identified by them on his/her personal appearance with reference to the
documents. viz (i) Marriage Certificate (ii) Passport and (iii) Pension Payment
Order.
9.
Some of the common failings by pensioners.
(a) Not Having Joint
Account With Wife. If an individual is lucky
enough to die because of ripe old age, the possibility of his wife outliving
him by a few years is very bright because in most cases the wife is younger. A
joint account makes the transition to family pension smooth. It also helps in
early start of family pension and claiming of life time arrears of the late
officer.
Taking Personal finance for granted can be fatal Just investing knowledge,
isn’t enough to have a great financial life. You also need to be well versed
with basic legal aspects and make sure you carry out all due arrangement .
Nomination is one important aspect you should seriously consider, when checking
for the financial products you have bought or plan to buy in future. It’s important to make sure
that your loved one’s do not face legal issues and only say and think lovely
thoughts about you when you are not around, rather than crib & grumble.
(b) Not Giving Any
Nomination in Bank, LIC. FD, MF etc. Will
your Nominee get the money on your death ? Did you think that your nominee is
the person, who will get all the money legally from your Life Insurance Policy
and Mutual funds investments? That is exactly what you’d think if you aren’t
aware of the legal aspects. We assume a lot of things which sounds like they’re
obvious, but are not true from the legal point of view. For whom are we earning? For whom are we
investing? Who, do we want to leave all our wealth to, in case something
happens to us? It might be your children, your spouse, parents, siblings etc.,
or just a subset of these. You also might want to exclude some people from your
list of beneficiaries! So you think you
will nominate person X in your Insurance policy, and when you are dead and
gone, all the money goes to person X and he/she becomes the sole owner? You’re
wrong! It doesn’t work that way. Let’s see how it actually does! Refer APPX’A’.
(c) What is a nominee? According to
law, a nominee is a trustee not the owner of the assets. In other words, he is
only a caretaker of your assets. The nominee will only hold your money/asset as
a trustee and will be legally bound to transfer it to the legal heirs. For most
investments, a legal heir is entitled to the deceased’s assets. For instance,
Section 39 of the Insurance Act says the appointed nominee will be paid, though
he may not be the legal heir. The nominee, in turn, is supposed to hold the
proceeds in trust and the legal heir can claim the money. A legal heir will be
the one whose is mentioned in the will. However, if a will is not made, then
the legal heirs of the assets are decided according to the succession laws,
where the structure is predefined on who gets how much. For example, if a man
during his lifetime executes a will. In the will, he mentions his wife and
children as legal heirs, then after his death, his wife and children are the
legal owners of his assets. It is essential that one needs to execute a will.
It is the ultimate source of truth and replaces the succession law. Nominee can
also be one of the legal heirs.
Important
(d) Why is the concept of nominee ? So you might be
wondering, if the nominee does not become the sole owner, why does such a
concept of “nominee” exist at all? It’s pretty simple. When you die, you want
to make sure that the Insurance company, Mutual fund or your shares should at
least get out of the companies and go to someone you trust, and who can further
help, in process of passing it to your legal heirs. Otherwise, if a person dies
and hasn’t nominated anyone, your legal heirs will have to go through the
process of producing all kind of certificates like death certificates, proof of
relation etc., not to mention that the whole process is really cumbersome! (For
each legal entity! The insurance company, the mutual funds, for the shares, for
the real estate..) . So, to simplify, if a nominee exists, these hassles don’t
happen, since the company is bound to transfer all your money or assets to the
nominee. The company then goes out of scene & then, it’s between nominee
and legal heirs.
o Example of Nomination. Ajay,
who was 58 years old, died recently in
an accident. As his children were settled, he wanted to make sure that his wife
is the sole owner of all the monetary assets. This includes his insurance
policy and mutual funds. So during his lifetime, he nominated his wife as a
nominee in his term insurance policy and mutual funds investments. However,
after Ajay’s death, things didn’t turn up the way he wanted. The reason being, Ajay
did not leave a will. Though his wife was the nominee in all his movable
assets, as per the law, his wife along with children, were the legal heirs and
all of them had equal right to Ajay’s assets. One simple step which could have
saved the situation was that Ajay should have made a will which clearly stated
that only his wife was entitled to get all the money and not his children.
o Nomination in Life
Insurance. A policyholder can
appoint multiple nominees and can also specify their shares in the policy proceeds.
Nomination in life insurance has one limitation, as insurance policies are
bought to secure your financial dependents, your first choice of nominee has to
be your family members. In case you want to nominate a non-family member like a
friend or third party, you will have to show/PROVE the insurance company that
there is some insurable interest for the person. This happens because of a
Clause called PRINCIPAL OF INSURABLE INTEREST in insurance. Note that
provision of nomination in life insurance is related to Section 39 of the
Insurance Act. Note that as per LIC website, Nomination is a right conferred
on the holder of a Policy of Life Assurance on his own life to appoint a
person/s to receive policy moneys in the event of the policy becoming a claim
by the assured’s death. The Nominee does not get any other benefit except to
receive the policy moneys on the death of the Life Assured. A nomination may be
changed or cancelled by the life assured whenever he likes without the consent
of the Nominee. Make sure, you have a
nominee for your policy for easy settlement of the claim, if you do not have
any nominee mentioned in the policy, it can turn out to be a disaster for your
dependents to get a claim.
o Nomination in Mutual funds. In
case of mutual funds, you can nominate up to three people, who can be
registered at the time of purchasing the units. While filling in the
application form, there is a provision to fill in the nomination details. Even
a minor can be a nominee, provided the guardian is specified in the nomination
form. You can also change nomination later by filling up a form which is
available on the mutual fund company website. Nomination in mutual funds is at
folio level and all units in the folio will be transferred to the nominee(s).
If an investor makes a further investment in the same folio, the nomination is
applicable to the new units also. A non-resident Indian can be a nominee,
subject to the exchange control regulations in force from time to time.
o
Nomination in Shares. Now you know what a
nominee means and who actually gets the money. So if there is a husband H, with
wife W and nephew N, and he has nominated his nephew N to be the nominee of his
shares in demat account, who will have
the legal right to own the shares after husband’s death? If you answer is wife,
you are wrong in this case! In case of stocks, it does not work the usual way,
if a will does not exist. In the
verdict, “A reading of Section 109(A) of the Companies Act and 9.11 of the
Depositories Act makes it abundantly clear that the intent of the nomination is
to vest the property in the shares which includes the ownership rights there under
in the nominee upon nomination validly made as per the procedure prescribed, as
has been done in this case.” It
means that if you have not written a will, anyone who has been nominated by you
for your shares will be the ultimate owner of those stocks, The succession laws
on inheritance will not be applicable but in case, you have made a will, that
will be the source of truth.
o Nomination in PPF. If you have Rs 10 lakh in
your public provident fund (PPF) account and you have not nominated anyone for
your PPF account, your legal heirs will get maximum of Rs1 lakh only! Yes, it’s
so important to have a nominee, now you get it . You can nominate one or more
persons as nominee in PPF. Form F can be used to change or cancel a nomination
for PPF. Also note that you cannot nominate anyone if you open an account for a
minor.
o Nomination in Saving/Current/FD/RD Account in Banks. FD’s
also come with nomination facility. While opening a new account, there is a
column for nomination in the same form and you should fill it. You can nominate
two persons with first and second option. Note that in case you have not done
any nomination till now, you should request Form No DA-1 from your Bank which
is used to assign a nominee in future. (Examples of ICICI Bank , HDFC Bank ,
Canara Bank) . In the same way to change/cancel the nomination you need to fill
up Form no DA-2. Read about Corporate Fixed Deposits. As per a famous case, A
Bench of Justices Aftab Alam and R M Lodha in an order said that the money
lying deposited in the account of the original depositor should be distributed
among the claimants in accordance with the Succession Act of the respective community
and the nominee cannot claim any absolute right over it. Section
45ZA(2)(Banking Regulation Act) merely put the nominee in the shoes of the
depositor after his death and clothes him with the exclusive right to receive
the money lying in the account.It gives him all the rights of the depositors so
far as the depositors’s account is concerned. But it by no stretch of
imagination make the nominee the owner of the money lying in the account,” the
Bench observed.
(e) Wife’s Name is
Different from What is Notified in PPO. After death of an
individual ,the family
pension by Bank will be released to the legal wife as notified in the Pension
Payment Order (PPO). It is very common for many bereaved wives to discover in
the Bank that what they claim to be their name is different from what is
notified in PPO. If the two names differ the banks don’t release Family
pension. Technically for them, it could be a case of impersonation. This matter
thereafter has to be resolved procedurally with the
help of Service HQ/
Record office/CDA. This whole process takes time and is a frustrating
experience for the widow. Experience indicates that the mistakes could be
related to spelling i.e. Reeta and Rita, Malati Tyagi and Malti Tyagi or difference
in surname i.e. Reena Rai and Reena Roy. Sometimes there are variations due to
extra words in one name i.e.Savitri Singh Mankar and Savitri Mankar. There are
also bizarre instances where the individual absent mindedly writes the nick
names of their wife used at home where as the lady uses her formal name outside
i.e. Munni Sharma and Manyata Sharma. Surname can be changed after marriage
however it should be a mutually agreed change between the couple. The best way
to avoid future problems is to re-verify the name of wife as jointly notified
in PPO with the wife herself and her certificates etc. Refer APPX ‘B’.
Where ever there is a discrepancy, the same should be rectified at the
earliest. Refer APPX ‘C’.
(f) Non Submission of Life Certificate in Time. The Life Certilicate has to be submitted by the pensioner/family pensioner
to any Branch Manager of Pension Paying Bank in the month of November, each
year. The scheme booklet (4th edition, 3 Dec 2004) detailing the "Scheme
for Payment of Pensions to Central Government Civil Pensioners through
Authorised Banks" has been amended to include para 15.2(D), which provides
for an exemption from personal appearance of the pensioner in the bank. The
same is quoted below for ready reference of all concerned. "A pensioner
who produces a life certificate in the prescribed form (given below) signed by any person specified
hereunder, however, is exempted from personal appearance:-
·
A person exercising the powers of a Magistrate under the Criminal Procedure
code.
·
A Registrar or Sub-Registrar appointed
under lndian Registration Act.
·
A Gazetted Government servant.
·
A Police 0flicer not below the rank
of Sub-lnspector in-charge of a Police station.
·
A Class-l Officer of the Reserve
Bank of lndia, an officer (including Grade ll Officer) of the State Bank.
·
A Justice of Peace.
·
A Block Development Officer, Munsif,
Tehsildar or Naib Tehsildar.
·
A Head of Village Panchayat, Gram
Panchayat, Gaon Panchayat or an Executive Committee of a Village.
·
A member of Parliament or State
legislatures or of legislatures of Union Territory.
·
Treasury Officer.
It is further stated that in the case of a pensioner drawing his pension
through a Public Sector Bank the life certificate may be signed by an officer
of a Public Sector Bank. ln the case of
pensioner residing abroad and drawing his pension through any other bank
included in the Second Schedule to the Reserve Bank of lndia, Act, 1934, the life certificate may be
signed by an officer of the Bank. A pensioner not resident in lndia in respect
of whom his duly authorized agent produces a life certificate signed by a
Magistrate, a Notary a Banker or a Diplomatic Representative of lndia is
exempted from special appearance. Refer
APPX ‘D’.
(g) Not Having Copies of
Important Documents like PPO, Post Retirement Insurance etc. There are number of
requests from pensioners to send a copy of the PPO in which wife’s name has
been jointly notified. Many times the banks misplace it/ loose it in
floods/fire etc and demand the same for releasing family pension. In one’s life
time, a special folder should be made which should have copies of all important
documents related with pension and other issues. It should contain all PPOs
including Corr PPOs, certificate of service, post retirement insurance cover
papers etc. This folder can also have information on all your investments, bank
accounts, fixed deposit debit & credit cards with pin code, ownership
papers of house, car, other property and finally the will. All this information
will be handy for a wife and will help her to manage things in a better manner
after her husband’s death.
(h) Not Writing a Will. Death is inevitable. If
one is lucky he/she will die of ripe old age but the possibility of an
unexpected/premature death due to accident/ disease can’t be ruled out.
Therefore prudence demands that everyone should write a will immediately after
retirement and revise it at regular intervals. While in service our will is
taken at the time of joining itself because it is compulsory. But after retirement
we don’t want to think of these painful realities of life despite the fact that
will is more relevant after retirement. We all have seen and heard from our
personal contacts and relatives as to what kind of bad blood and distrust
exists between the children after the death of father/ both parents. However we
find it difficult to comprehend that it could happen to our children also. Thus
writing a will is desirable and by writing a will one would protect the long
term interests of his wife and children. A will need not always be on a stamp
paper and through a lawyer. It can be written on a plain sheet of paper also in
one’s own handwriting. Two independent witnesses (preferably much younger) are
required to sign the will. Basically a will can be written primarily on the
property which the individual has earned himself. If the property is inherited
he can write will only on that portion which is due to him after division with
other legal heirs. If one is depriving his wife and immediate family and giving
property to an outsider then the reason behind the same should be clearly
spelled out in the will to avoid future litigation. If one is very old and
handwriting is not stable/clearly legible then a typed will is desirable. For
writing a will one can initially do self-education on internet and then write
the will. For property of a complicated/disputed nature it is better to take
advise from a civil lawyer before writing the will.
(j) Problems Faced by NRI Pensioners.
Many pensioners retire at a young age and settle down in a foreign country.
Many of them get the citizenship of the new country. Over the years these
pensioners start experiencing a lot of problems with their pension. These
problems primarily relate to stoppage of their pension. Experience indicates
that the problems of these pensioners are primarily caused due to
non-submission/transit loss of yearly life certificate and non- adherence to
procedural requirements of FEMA (foreign exchange management act). No money can
go out of India without meeting FEMA requirements. Attempts to use credit card
will eventually get blocked by the bank. Such pensioners can open NRO account
and give power of attorney to the bank. They will be required to have a PAN
card and fill certain forms prescribed by CBDT (central board of direct taxes).
Such pensioners are advised to take appropriate advice from their bank and also
bank. The NRI pensioners who do not want regular transfer of money from India
can tie up the same with their banks and withdraw the money during their visits
to India. Since monthly pension problems like delay in restoring commuted value
of pension and commencement of additional pension after 80 years of age etc can
be taken up directly with bank.
(k) Not Knowing the
Procedure of Lodging Complaints against Banks. Pensioners have to deal with
banks on all financial issues related to pension i.e. payment of correct
pension, calculation of DR and arrears correctly, timely release of family
pension etc. Thus there can be occasions for deficiency in banking service and
the consequent complaints. In many cases, when local liaison with bank fails,
the pensioners bring their complaints to the knowledge of Service HQ/Record
Offices who in turn issue relevant advice to the concerned bank. However,
pensioners can also utilize the complaint channels of a bank to lodge a
complaint directly against their local bank. The procedure for lodging such
complaints is as given below:-
o
Against State Bank of India. SBI is the largest
public sector bank in India. It has recently appointed Defence Banking Advisors
(DBA) across the country on a Zonal basis. The DBAs are retired Defence
officers who besides other things are looking into complaints of a Defence
pensioner. To resolve a complaint against a branch of SBI, following four
methods can be adopted:-
§
Online Redressal of Grievances. Online complaints for
the issues pertaining to State Bank of India can be lodged on its official
website i.e. www.sbi.co.in. Pensioners /account holders of SBI may lodge their
complaints directly at dsparmy[dot]customers[at]sbi[dot]co[dot]in.
§ Redressal through DBA. In case the issues
still remains unresolved after online complaints as mentioned above then the respective
Defence Banking Advisors (DBA) of SBI, who are specialists on Defence pensions
may be approached as per the LIST attached.
§
Complaints Through SMS. SBI has recently launched an SMS service for
redressal of grievances/complaints of its customers. To lodge a complaint
through SMS one has to type ‘UNHAPPY’ in its message box and send it to
8008202020 which is a toll free number. Within 48 hours, an official from your
nearest SBI branch will contact you to know about your problem and he will
refer your case to appropriate agency for necessary action.
§
Complaints through Call Centre. SBI has started its 24
x 7 Call Centre to help its customers. Apart from getting information, option
to lodge complaint on pensionery matters is also possible through these Call
Centre. The following toll free numbers can be dialed from Landline or mobile
phone:-
08026599990 (from mobile)
18004253800 (from landline and mobile)
o
Against Other Public Sector Banks. All public sector banks
have their inbuilt systems for redressal of banking complaints. All public
sector banks in their official websites have specific provisions for
complaints. Thus following provisions can be used for all other public sector
banks to lodge complaints:-
o
§
Online Complaints. All the public sector banks have their own official
websites, information on which can be sought from local branch. Alternatively,
the sites can be found through any of the search engines like Google, yahoo
etc. These official sites have option for lodging one’s banking complaints.
§ RBI, Ombudsman Scheme
-2006. In order to find the
resolution of banking related complaints, RBI has started a Banking Ombudsman
scheme, wherein a person is appointed by RBI to redress the customers’
complaints. The Banking Ombudsman appointed by RBI is a quasi-judicial
authority. The aggrieved person is required to file his/her complaint on a
plain paper to any of the 15 Banking Ombudsmen appointed by RBI. However,
before lodging complaint with Banking Ombudsman the complainant should have
lodged a complaint with the concerned bank in writing. Evidence to this effect
should be given to the Banking Ombudsman. The address(es) of such ombudsmen is
available at official website of RBI. Pensioners can file complaints related to
non-receipt/delay of their pension related dues.Online complaints can be filed
at www.bankingobmudsman.rbi.org.in.
10.
Endorsement of Family Pension and Age of Spouse in Pension Payment Order (PPO).
(a) Please check if your PPO contains an
endorsement giving the name and age of the spouse and details of ordinary
family pension. If it does not, at the earliest make out an application in
triplicate and send it to the agency that had issued the PPO -CDA (Pensions)
Allahabad. APPX ‘E’. Make sure to
attach all supporting documents and duly attested joint photograph as indicated
in the specimen. Keep a copy of`the application in the master folder that you
will be making for the spouse for follow up action if necessary in case the
endorsement is not received during your life time.
(b) The PPO may contain endorsement of the name of
the spouse as family pensioner but the age of spouse may not be recorded either
in the PPO or in any other document in your pension folder maintained by your
Pension Disbursing Agency (PDA) (your bank or the agency from whom you receive
your pension). In such a case, you may apply for necessary action as
applicable, with copies to your Pension Sanctioning Authority (PSA) and your
PDA. As proof of age of your spouse, furnish any supporting document such as a
copy of the statement of family particulars submitted by you at the time of
your retirement or certified and notarized copy of your spouse’s birth
Certificate, driving license, SSLC/Matriculation certificate, passport, voter
identity card, Aadhar Card or any other normally accepted proof.
(c) When the endorsement and the acceptance of age
of spouse are received, attach them to the original PPO and also make a few
copies for safe custody. If the endorsement and the record of age of spouse do
not exist and if you do not take action as indicated above, after your time
your spouse has to go through a cumbersome and time consuming procedure to get
the family pension properly authorized along with record of age.
NOTE:
The original PPO should contain an endorsement about the family pension indicating
an enhanced rate of family pension and an ordinary rate. If there is no such
endorsement, please take it up with the authorities concerned. In the event of the pensioner’s demise before
the age of 67, the spouse/family pensioner is entitled to the enhanced rate for
seven years or till the date on which the pensioner would have attained the age
of 67 whichever is earlier. Thereafter the ordinary rate would apply. In both
cases, the rates as periodically revised, along with the revision in pensions by
successive Pay Commissions, would apply.
11.
Bank Account for Pension.
(a) If you are drawing your pension through a
single bank account in your name and if, at the time of your retirement or
within one year thereafter, you have not made a nomination in favour of your
spouse, please do so immediately. This will enable your spouse to receive,
after your time, any balance left in that account as well as any arrears of pension due to you during your
life time. Consult your bank on the procedure for nomination.
(b) It
is now permissible to convert your single bank account for pension into a joint
account with your spouse/person mentioned in your PPO as the one entitled to
receive family pension. If you have not already done so, please submit an
application to your bank to this effect.
(c) After your time the joint
account will become a single account in your spouse’s name into which the
family pension and any life time arrears (LTA) can be credited.
(d) It is desirable to make a
nomination even if the pension account has been converted into a joint account
so as to ensure trouble-free payment of your (LTA) to the spouse/nominee after
your time.
12. If you do not wish to take action as per 9(d)
above, open a joint account in the name of yourself and your spouse, preferably
in the same bank, if you have not already done so. This will automatically
become a single account after your life time and the family pension can be
credited to this account. Alternatively, open a single account in the same bank
in the name of your spouse so that, when the time comes, on advice to the bank,
the family pension can be credited to this account. Also ensure that your
spouse makes a nomination in favour of a child/ family member or any other
person of her/his choice for this single account so that when the need arises,
the nominee can get the amount left in that account without any further
formality.
13. Make sure that the nominations/ conversions
into joint account as applicable are duly reflected in the bank records and
also keep the relevant copies of such endorsements in the master folder for
your spouse.
14. Close all unnecessary Bank
& Post Office Accounts and consolidate the balances into nearest bank. If required,
open a new joint S/B account, to be operated by either or survivor, with your
Spouse/ Next of kin. Make all accounts
including Pension Account to be operated jointly with your Spouse/Next of Kin. Ensure one of your heir is nominated in each account and
entry to that effect is made in the Pass Book, including Pension Account. Do not maintain HUF (hindu undivided family)
account unless you have your NOK as KARTA/Nominee. Close it at the earliest to
avoid troubles to your family on demise of KARTA.
15. Convert bank locker to be operated jointly, as
either or survivor with the spouse and with a Nominee.
16. Keep sufficient cash at home to meet emergent
requirements. It is advisable to keep couple of undated but signed cheques at
secure place and known to your spouse /NOK, to be cashed, in emergency only.
These prove very useful when need arises.
17. Obtain PAN Card for
your Spouse and start filling her yearly Income Tax Return.
18. It is also
advisable to transfer all FDs to your Spouse’s name to generate income in her name
for income tax planning purposes. It will also save your Income Tax liability and
she will feel more secure.
19. Make a WILL and
preferably register it with the Registrar of Documents.
20. Improve your Friends
Circle and maintain cordial relations with your neighbors. They only will be
first to come to your families’ help when need arises till relatives and
friends arrive.
21. Develop a hobby and
keep yourself mentally and physically busy to avoid loneliness.
22. Update your Records.
(a) Addresses, Phone Numbers and E-mail Addresses
of your relatives, friends and all those persons who should be informed in the event of an emergency.
(b) Details of Immovable Properties with locations
of their Registration.
(c) Location of Weapons and their Registration
Certificate and date of its renewal.
(d) Particulars of Automobiles with their Body,
Chassis Numbers and location of Registration Certificates.
(e) Details of Bank & Post Office Accounts
FD’s, with location of Pass Books, Cheque Books and F Ds.
(f) Details of Insurance Policies, their locations
& when premiums are due.
(g) Contents of Bank
Locker with number and location of it’s key.
(h) Details of Debtors
and Creditors with schedules of Receipts & Payments with balances
outstanding if any.
(i) PPO and PAN CARD
Nos.
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Legal Aspects Related with Family Pension
26. Who in the Family has First Claim to Family Pension ? It is quite common to see a tussle between
wife and parents of late officer for family pension. As per the existing
pension rules the parents can have no claim over Family pension if the officer
has left behind a widow or a child. Thus parents are primarily eligible for
family pension of bachelor officers or widowers without children. The sequence
of eligibility for family pension is widow/widower, children of officer,
parents and dependent siblings. Legal guardianship certificate from a court of
law will be required for release of family pension to a minor child.
27. Legal Wife and Legal Child. . There
are instances where serving/retire personnel have expressed disappointment with
their wives behavior/character and have written a Will that the family pension
due to them should not go to their wife and should be given to some other NOK.
Such matters have gone to court and the legal position is that a Will by the individual
on family pension is null and void due to following:-
(a) A Will can only be written for own property. Family pension comes out
of Govt money for a social cause hence will on family pension is null and void.
(b) Marital discord/ other related issues may be a reason to seek divorce.
However after an individual is dead, the status of a legal wife continues
uninterrupted and her right to claim family pension and other related benefits
is legally valid. Even in cases where divorce proceedings are going on, her
legal status as a wife will remain unchanged till a divorce decree is
pronounced by the court. If the death of the individual takes place before the pronouncement
of divorce decree, the divorce proceedings will cease & become irrelevant. The
lady’s status as the legal wife will continue for all benefits due to a widow.
28. Provisions for Division of Family Pension. Family pension can be divided in
following circumstances:-
(a) Ordinary Family Pension (OFP). As per AI 51/80, Ordinary Family
Pension is generally granted to only one eligible member of the family of the
deceased Officer/ JCOs/OR. Ordinary Family Pension is not divisible between
eligible members of the family and is granted only to the eldest eligible
member except in case of two eligible and legally wedded widows and twins in
the absence of widow.
(b) Special Family Pension (SFP). If a widow in receipt of SFP
does not support her children
(below 25 years of age), then her SFP will be divided as 50% to her and the
balance 50% to her children.
(c) Liberalised Family Pension (LFP). If a widow in receipt of LFP does
not support her children (below 25 years of age) then her LFP will be divided
as OFP (30% of last emoluments) to her and SFP (60% of last emoluments) to her
children.
29. Restrictions on Drawing more than One Family Pension. A defence pensioner can earn his
second pension from the new organisation where he is re-employed after
retirement. The present Govt rules do not permit two family pensions to a
widow. She can draw only one family pension whichever is more beneficial to
her. Wef 27-7-2001, in addition to her defence family pension, a widow can also
draw the second family pension only if it comes under following two categories:-
(a) Employees Provident Fund (EPF)
scheme - 1995.
APPX ‘A’
(
Ref Para 9(b))
Nomination for
claiming arrears
To,
Pension Disbursing Authority
(Name of Bank/Treasury/ Post Office/Accounts officer etc.)
(Place) ------------
--------- --------- ---------
Account No: PPO No:
I, ------------ hereby
nominate the person named below under rule 5 of the payment of Arrears of
Pension (Nomination) Rules, 1993.
Name and Relationship -
Date of birth (If nominee is
minor) -
Name and Address of person who may receive the
said pension if nominee of the Pensioner is a
minor.
Address
Date ------------ Signature and Name of Pensioner
Witness: Signature
Name & Address
APPX ‘B’
(Ref
Para 9(e))
APPLICATION FOR
ENDORSEMENT OF SPOUSE’S AGE IN PPO/ PENSION FILE
From: (Your particulars and
address) Date
To
1. DPP&R/ AFRO NREW (as
applicable)
2. Controller of Defence
Accounts (or appropriate PSA)
3. Manager of your Bank
Sub: Endorsement of the
age of spouse in pension records.
Ref: PPO No as amended by Cor
Pension A/c: Bank A/c No
I request that the date of
birth of my wife be endorsed in my PPO/ pension records for future reference
with regard to family pension and other requirements as and when the situation
arises.
* Enclosed is a copy of the
statement dated furnished by me to as required prior to my retirement on. Among
other particulars, the statement contains the date of birth
( ) of my wife,
* Enclosed is a certified
copy of my wife’s ** birth certificate/ driving licence/ SSLC certificate/
voter identity card/ ------------ ----- as proof of her age.
I shall be obliged for
confirmation of action taken on this request.
Signature
* ** Strike out as applicable
APPX ‘C’
Ref Para 9(e)
APPLICATION FOR CHANGE OF
NAME- GAZETTE NOTIFICATION
From, File
No:
Phone:
Mob No:
To,
The Controller
Department of Publications
Civil Lines
New Delhi-54
CHANGE OF NAME
Sir,
1. I, wife of…………………
residing at( Address………) have changed my name to……………………
2. I request you to
kindly publish a Gazette to that effect.
3.. Following documents
are enclosed ;-
(a) Affidavit (in
Original) dated -
(c) Printing Matter – Two copies.
(d) Passport sized
photographs – Two.
(e) Demand Draft No.
Dated…..for a sum of Rs 770/-.
4. I may please be
provided with two extra copies of the Gazette for which a sum
of Rs. 70/- has been
included in the above draft
Thanking you
Yours faithfully
( ---------------
-------)
APPX ‘D’
( Ref Para 9(e)
LIFE
CERTIFICATE
Certified that I have seen the pensioner Shri/Smt./Ms. (Name of
Pensioner),holder of Pension Payment 0rder No. ……. and that he/she is alive on
this date.
Name:
Place: Designation of Authorised Officer
APPX ‘E’
( Ref Para 10(a))
Endorsement of Family Pension Entitlement in the PPO.
With reference to Dept of
Pensions and Pensioners’ Welfare OM No 1/11/85-P&PW dated 28-10-87 and Min
of Def OM No 6(4)/87 1369/8/D (Pens/Sers) dated 30-6-99, I hereby apply for
endorsement of entitlement of family pension in the PPO. The required
particulars are given below: -
1. Name of Pensioner :
2. Passport size joint photograph
of the pensioner and the spouse duly attested.
3. IC No :
4. Rank last held :
5. Date of retirement/discharge
:
6. Original PC/PPO No &
year :
7. Particulars Pension
Disbursing Authority
(i) Station :
(ii) Treasury/DPDO/ PAO/Bank/
Post Office :
(iii) Bank Branch, full
address and SB A/C No:
(iv) TS/PS/HO No (if
applicable) :
8. Particulars of pay last
drawn at the time of retirement :
9. If the pensioner after
discharge/retirement is/was reemployed in Dept/ Office of the Central/ State
Govt or reemployed or permanently absorbed in Central or a State Govt company,
corporation, undertaking or autonomous body or Reserve Bank of India or non
public sector bank or GIC, LIC etc: Post held with details of employment such
as
(a)Name and address of
employer
(b) If after
discharge/retirement from reemployed service has been/will be sanctioned
pension, name of the pension sanctioning authority with full and complete
address.
10. Family pension from other
sources:
(a) Whether a family pension
is already sanctioned by any other pension sanctioning authority and, if so,
the name of the pension sanctioning authority,PPO No and the particulars of the
pension disbursing authority.
(b) Whether family is eligible
for family pension from any other source and if so, the authority who will
sanction the pension.
(c) In case the family is
sanctioned pension or is eligible for family pension from any other source, an
option to receive family pension for the spell of service for which the pension
has been sanctioned vide PPO/PC No quoted above, foregoing the family pension
from any other source should be enclosed.
11. Attested joint photograph
of and is pasted above. (Attestation can be done by any Gazetted Officer, Pension
Disbursing Officer such as the Bank Manager, Record Officer, Head of Office of
the retired person, Village Sarpanch, Block Development Officer, MLA/MLC.)
12. Signature or thumb
impression of spouse.
Signature or thumb impression of pensioner
13. Marks of identification :
14. Present address :
Witnesses:
Signature
APPX
‘F’
(Ref Para 23)
LEASE-DEED
I,
-----------------------------------------S/O Sh.______________________________
and R/O-------------------------------------------------------------,
(hereinafter called the LESSOR of the one part)
AND------------------------------, S/O__________________________ _and
R/O_____________________________________________, (hereinafter called the
LESSEE of the other part).
The term “LESSOR” &
“LESSEE” shall mean and include their respective heirs, successors,
administrators, legal representatives, assignees and nominees. Whereas the
Lessor is the owner of House No ____,Sector/Block No.___ ,
City__________________, Distt.____________, State______________, AND WHEREAS
the Lessee is interested to take the said House on Rent for his family
accommodation.
NOW THIS AGREEMENT
WITNESSETH AS FOLLOWS:
1. That rent effective
from (date) ____________ the LESSOR doth hereby grant use by way of lease, The
House mentioned above and covered/open Car Parking Space No______ already
verified and agreed unto the Lessee for the monthly rent of Rs.________ (
Rs._______________ only ) per month on rent for a period of 11 months. The
monthly rent shall be paid in advance every month latest by 5th of each month.
The rent for the fist month of Rs.------------ shall be paid in cash prior to
taking over of the House. For the following
monthly rent, Ten local
Post dated cheques, Payable by 5th of each month, of Rs. ________/- each shall
be handed over in advance at the time of taking over the House by the Lessee.
2. LESSEE shall pay all
Maintenance Charges, the House Owners Welfare/ Maintenance Society ( with
whatsoever Name it is Known ), as levied by them from time to time including
water, electricity, sanitation, security, etc. and taxes levied by the Centre
and State and Local Governments/
Authorities. The amount
already paid by the Lessor and balances remaining shall be paid to the Lessor
in cash at the time of taking over the said house.
3. That the Lessor has
delivered the possession of the said House Covered/open car parking space
on(date) ___________ along with all the fitting, fixtures, wood work ( Annexure
1), Electric fitments (annexure 2 ) and Wooden/ Steel Wardrobes and Lofts.(
Annexure 3) And for which the Lessee shall pay the monthly rent of Rs._____
/-(Rs. _______________ 0nly) inclusive of
the rent for fittings.
At the time of expiry of the said lease period the Lessee will hand over the
vacant possession back to the Lessor in good working condition without any
deficiency and or damage.
4. That the Lessee doth
hereby deposit refundable interest free security of Rs. ___________/- by
crossed cheque. The Lessee doth here by undertake to hand over the vacant
possession on the expiry of the lease period hereto and hereby further
undertake to keep the House in proper order and repair and to restore it at the
time of handing over the possession in its original condition.
5. That the LEASE is
renewable at the option of the LESSOR on the following pre-conditions:-
a) From (date)
___________ the LEASE is renewable subject to @ 10% escalation of the preceding
month’s rent for fist year and. Thereafter @ 10% escalation after every year of
the preceding month’s rent.
b) Effective
commencement of this LEASE, this Agreement is valid for a period of 33 months
up to (date) _____________, after which the possession of the House will be
positively delivered back without demur. Failure will entail action for
returning of possession and payment of rent /lease money with escalation of 40%
for each month in addition to payment of legal and other costs for obtaining
possession of the House by the Lessee.
6. That the Lessee doth
hereby undertake not to do or cause to be done anything which may in any manner
effect structural or other constructions and under no circumstances carry out
any alteration without prior written permission from the Lessor. The Lessee
doth hereby undertake to comply and observe all the Government, Local Authority
and Residents Welfare/Maintenance Society, Rules, Regulations and Restrictions
imposed by them on the Residents, from time to time, as applicable.
7. That the Lessee shall
use the premises for lawful residential purposes only. The Lessee shall be
solely responsible for the conduct of the family Members who are residing in
the said house. The Lessor shall not be responsible and or accountable for any
unlawful act on the part of the Lessee, his family members and or any of his
guests or visitors to the said House in any Police / Court Proceeding.
8. That no Electric,
kerosene, coal or firewood cooking shall be allowed in the premises of the said
House.
9. That the Lessee shall
not be entitled to sublet any portion of the said premises in any manner, or
part with possession to any one under any arrangement whatsoever without the
written prior permission of the Lessor.
10. That the Lessee
shall permit the Lessor or their agents to enter upon the said premises if they
so desire for inspection or repairs etc as and when they choose during day
time.
11. That the Lessee shall pay in advance the
Maintenance and Electricity charges as Levied by the authorities from time to
time through the Maintenance Society or as decided by them. Under no
circumstances the accounts should run in debit at any one time.
12.The house tax, ground
rent as assessed today shall be paid by the Lessor. Any Property tax if levied
in future shall also be paid by the Lessor.
13. That this Agreement
is subject to the jurisdiction of the _____________ courts.
14. That the Lease may
be terminated by either party by giving a three months notice to the other
party in writing by a registered post on the address as given herein above.
15. That the Lessor is
at liberty to sell, transfer, gift or pass over the property or Assign the
Power of Attorney to any person at any time. In that event the Lessee doth
hereby agree to pay the rent to the transferee / the person so nominated by the
Lessor.
16 .Failure to comply
with terms here of shall ipsofacto deem to have cancelled this Lease deed and
the Lessor shall be entitled to assume possession of the premises without
referring to the Lessee.
17. That in case the Lessee defaults in payments
of rents for two consecutive months/ or defaults in honoring his /her cheques
for rents the Lease shall stand terminated automatically and also the Lessor
may put his lock on the premises. Opening of the lock by any means by the
Lessee or his/her guests shall be deemed a Criminal trespass and legal
proceedings may be initiated accordingly
against the Lessee.
18. That all the costs towards Stamp duty,
Registration & lawyers fee and other expenditures incurred in drawing this
Lease Deed shall be borne by the Lessee.
19. That in matter of
dispute touching construction or subject matter hereof or anything incidental
or connected hereto , the decision of the arbitrator ( The Chairman of the
Welfare/ Maintenance Society shall be final and binding on both the parties in
all respects and will not be questioned for any reasons whatsoever.
20. Each Party hereby
unconditionally undertake to Indemnify the other Party against all losses,
claims, demands, actions, penalties, prosecutions, proceedings, damages, costs,
liabilities, expanses of payments of any nature whatsoever arising in any way
as a consequences of any breach by either party of any term, conditions or
covenants of the lease granted to them.
IN WITNESS WHEREOF we
the parties set our hands at (place) ____________ on the day and year first
above mentioned
LESSOR
LESSEE
-----------------------------
------------------------------
S/O
----------------------
S/O------------------------
R/O
---------------------- R/O
--------------------
WITNESS 1 WITNESS
2
APPX ‘G’
(Ref Para 24)
NOTICE FOR NON PAYMENT OF
RENT
Subject: Notice for Non Payment of Rent.
Dear Sir,
1. I am constrained to
Remind you that you have failed to pay the rent of my property taken on rent
and failed to abide by our Lease Deed Entered in to on (date)__________.
2. Kindly ensure to send
a demand draft payable at__________________within 7 days of receipt or 10 days
from dispatch of this letter which ever is earliest. Failing which I WILL be
compelled to reenter my property in accordance with our Lease Agreement and you
will be responsible for all the consequences.
Yours Sincerely
Sd_____________________
( Name_____________________)
Place__________________
Date__________________
APPX ‘H’
(Ref Para 25)
POWER OF
ATTORNEY (SPECIAL)
BE IT KNOWN
TO ALL Whom so ever
it may concern that
I_________S/O___________
and R/O__________(herein after called the Principal)
do hereby
nominate, constitute, appoint, empower and authorize Shri_________
S/O______________R/O
________________ act and deal on my behalf hereafter called my (Attorney) to do the
following:
IN RESPECT
OF:
WHEREAS the
executant is the sole lawful owner in possession of entire property
No.
_______________allotted by _________________ covered area admeasuring
_______________
sq. fts.approximately. My said Attorney shall be entitled to take
over, sign
the inventory, to get mutation in my name and to pay house tax and to get
refund if paid in excess on my behalf under his/her signature and for the
purpose do all act(s), deed(s) and things which are necessary for the same. All
act(s) lawfully done by the said Attorney by virtue of these presents shall be
deemed to have ratified by me.
IN WITNESS
WHEREOF I have set my hands on these presents in the presence of
the
following witnesses, on the date, month and year herein below written.
Place________
Date
__________
WITNESSES EXECUTANT
1
Sd.__________________
2
(Name_______________)
Date_________________
APPX ‘J’
(Ref Para 34)
SUGGESTED FORMAT FOR WILL
I, ____________ _______ , son of__________ _________ __,
aged________ years, Resident of__________ _________ _________ hereby revoke all former wills and
testamentary dispositions made by me and declare this to be my LAST WILL and
TESTAMENT.
I declare that I am of sound disposing mind and I am making
this Will of my own free will and accord without any persuasion, undue
influence or coercion whatsoever.
I hereby leave, devise, bequeath and give to my wife, Mrs
___________ _________ _, aged ______years, all my property, movable and
immovable, whatsoever and wheresoever, which I may be possessed of or entitled
to at the time of my death.
AND I hereby appoint my wife, the said Mrs---------
--------- --------- ------- to be the sole Executor of this my Will.
IN WITNESS WHEREOF I, the said ____________ _________
_________ __ have hereto signed at ____________ ________on this the
____________ _day of____________
Signed by the said ____________ _________ ______as his LAST
WILL and TESTAMENT in the presence of us, present at the same time, who in his
presence and in the presence of each other, sign as witness hereto.
Signature Name and Full Address
1.
2.
ANOTHER SPECIMEN OF A WILL
I,
-------------------------------------------------------------------------------S/O-----------------------------------
R/O………………………………………………………………………-hereby declare this present to
be my last WILL which I make on this ___________ day of___________ 2014.
With the last WILL of
mine, I hereby revoke testamentary
disposition hitherto fore made by me.
I am about…...years of age. Since life is so uncertain, death may come
suddenly; I make this
WILL so that after my death, no misunderstanding or disputes arise between
my wife and children, the love and affection among them may remain forever.
I married………………………… D/O-------------------------------. The marriage was
solemnised
according to Hindu rites in 19------------.That, we have…...children born
during our wedlock. All of them are married and are well settled in their lives. Particulars of our children
are as under:------- (a)----------------------------------------------------
(b)---------------------------------------------------
My wife and I have acquired all our moveable and immoveable property from
our earnings and
savings without any contribution from our parents and children. Our house,
No…………….. (With
garage), located in sector…...of------------------------------------------
is jointly owned and registered in
our names. Our entire Bank/ post office accounts, Fixed Deposits’, Bonds,
Shares and Debentures are held jointly in our names. That, I am making this
WILL while in sound state of mind voluntarily out of my own free will without
any compulsion or pressure from any person or having a second disposing mind that,
I bequeath, all my property moveable and immoveable, cash, balances in all.
accounts, Shares and Debentures to my wife Smt…………………………………………………………. With full
and absolute ownership rights and power of disposal.
Signature of testator
___________________
That, if I and my wife die within a short span of time or without my wife
making a WILL, then
all our property shall be distributed equally in our children as mentioned
above or as jointly agreed upon by them. I hereby appoint my wife Smt .
…………………………………………. to act as Executor ,depending on her availability for the
expedient execution of this my last WILL.
In witness whereof I, the above named Testator have signed this WILL
hereunder on the day,
month and year written above in the presence of two witness who have concurrently
attested the same.
Signature of Testator
Date……………….. __________________
Place---------------------
Signed by the above named Testator _______________________
S/O……………………………………in our presence at the same time and each of us has in the
presence of testator signed our name hereunder as an attesting WITNESSES.
Signature of Witness No. 1 Signature
of Witness No.2
______________________
__________________
Name ______________________
Name-____________________
S/O________________________
S/O - _____________________
Address-___________________ Address_______________________
Dated-______________ Dated
_________________
Place________________
Place________________
APPX ‘K’
(Ref Para 35(d))
letter of intimation OF DEATH
From,
Mrs………………….
Address……………
Tel:
Date:
Sir,
1.
I regret to inform that my husband, (Rank, Name Service No, and Branch) passed
away on………..on account of …………...
2.
Death certificate No…….. dated……… issued by……….. is enclosed as indicated
against the concerned addressees.
3.
He was born on…………… , commissioned on…………… and retired from the Army/Navy/IAF
on ………...
4
He was in receipt of retiring pension of Rs…………….. pm (basic) as authorized by
DCDA/CDA AF vide PPO No……………… of………….. as amended by Corr ………………. , Corr…………..-
5.
He was a member of ECHS attached to ECHS Polyclinic ------------ -- .
His
membership Card No was--------- ---
6.
I will be grateful if all concerned addressees could take action as indicated
against them as early as possible.
7.
My present address as given above may please be noted for all future
correspondence.
Thanking you, Yours
faithfully,
Distribution List
1. The
Manager , (concerned Bank)
I regret to inform that my husband, (Rank, Name
Service No, and Branch) passed away on
……………….on account of…………………….... Death certificate No……….. dated………. issued
by…………… is enclosed . The family pension due to me may please be credited to my
SB Account No………….. which has now become a single account Bank after the death
of my husband. The life time arrears of pension due to me may also be credited
to the same account as a copy of the nomination form is already with you.
2 CDA (Pensions)
Draupadi Ghat
Allahabad 211014
3 Min of Defence (Pen Cell)
New Delhi 110011
4. Deputy Director,
Department of Sainik Welfare& Resettlement
(Concerned District Sainik Board )
5. Officer
i/c ECHS Polyclinic (The primary polyclinic to which the pensioner was attached)
APPX ‘L’
(Ref Para 51)
APPLICATION FOR PLATINUM
GRANT (IF NOT RECIEVED )
From,
To,
Army
Officer’s Benevolent Fund
Ceremonial
& Welfare Directorate
Adjutant
General’s Branch
Integrated
HQ of MoD (Army)
Room No17-B
West Block III
RK Puram,
New Delhi 110066
Tele
011-26196217
Subject; Payment of Platinum Grant
On Demise of IC No__________ Rank_____
Name(Late)______________________________Of
Corps/Regt.)________________
PPO
No._______________________________________________________________
Sir,
I regret to inform you
that my husband____________________, IC No.____________has
expired on (
date)_____________at______________(Name of Hosp)_______________________,
Address________________________(Place)________________,
Due to (Cause of Death)
_________________ The
Certificate of his death Issued by ______________________________
______________________________is
enclosed for ready reference.
2. You are, kindly
requested, to send me his Platinum Grant on his demise. His date of birth is
_______.Photo Copy of
his Retired Officers’ Identity Card is enclosed for ready reference. The cheque
may please be issued to
me on the Address given on top of this letter. My Bank details are as under:-
Name of Bank
___________________________,
Address-
_________________________________.
SB A/C No -
_____________________________.
4. We have ___________
/do not have dependent Children.
Thanking you in
anticipation.
Yours Faithfully,
Signature___________________
( Name )
APPX ‘M’
(Ref
Para 52)
Procedure for Verification of Date Of Birth
(DOB)
From, Date……….
Name_________________________
Address_______________________
City______________PIN
Code__________
Telephone No………………
Mobile No………………
To,
Addl Dte Gen Of Manpower
(Policy & Planning)/MP 5(b)
Adjutant Generals Branch,
Integrated HQ of MoD (Army)
Wing No 3, Ground Floor,
West Block-III
RK Puram,
New Delhi-66
NOTIFICATION OF DATE OF
BIRTH IN THE PPO FOR ADDITIONALPENSION ON ATTAININING 80 YEARS OF AGE BY
OFFICER/ SPOUSE/FAMILY PENSIONER
Dear Sir,
1. In order to record
Date of Birth in PPO for additional pension in terms of para 12 of GOI, MoD
Revised Pension letter No 17(4)/ 2008/(1)/D(Pen/Policy) dated 11 Nov 2008. Data
Sheet designed by PCDA (P) for issue of corrigendum PPO is provided below :-
(a) Details of Officer
(i) Rank________________
Name_________________________
(ii) Service
No____________ Date of retirement______________
(iii) Original PPO
No_____________________________________
(iv) Latest Corrigendum
PPO No___________________________
(v) Date of
Birth____________________________(DD/MM/YY)
(b) Spouse
(i)
Name__________________________
(ii) Date of Birth
__________________ (DD/MM/YY)
(c) Family Pensioner
(Parents/ Unmarried Widowed/Divorced Daughter
/ Handicapped Child (only
if applicable)
(i)
Name_____________________________________________
(ii) Date of
Birth______________________(DD/MM/YY)
(d) Bank Details
(To be ascertained from Bankers)
(i) BSR Code of the
LinkBranch__________________________________
(ii) Link Branch &
Address ______________________________________
(iii) Pension Bank A/C No
________________________________________
(iv) BSR Code of Pension
Paying Bank______________________________
(v) Address of Branch
Paying Pension_____________________________
2. Necessary Documents
duly attested by Gazetted Officer are attached
as proof.
Yours sincerely
Enclosers:-
1. Proof of Birth. (Copy
of any one PAN Card/ Matriculation Certificate/ Pass Port/ ECHS Card/ Driving
License.
2. Copies of Original and
Corrigendum PPOs.
APPX ‘N’
(Ref
Para 57)
APPLICATION FOR
ENCASHMENT OF EXTENDED ARMY GROUP
INSURANCE POLICY
From,
To,
Chairman,
Army Group Insurance
Fund
AGIF House,
Rao Tularama Marg,
NEW DELI- 110010
Sub : ENCASHMENT OF EXTENDED ARMY GROUP INSURANCE POLICY
Ref. Extended Army Group
Insurance Certificate No.____________________issued to IC No.________
Rank__________ Name____________________________________
Sir,
1. I regret to inform you
that my spouse, I C. No. ____________ Rank ________
Name______________________________
has expired on __________at______________.
His/Her Death Certificate
issued by _________________ is enclosed for ready reference.
2. I am enclosing the
Extended Army Group Insurance Certificate for encashment duly completed in all
respect. His date of birth is 18/02/1942. Kindly send the cheque of the sum
assured to me on my address as given above. My Bank details are as under:-
SB A/C
No._________________ Name and address of my Bank___________________________.
Thanking you in
anticipation,
Yours Faithfully
Signature_____________
(Name________________)
QUICK REFERENCE FOR ‘ACTION AFTER DEATH’
1.Important Documents.
·
Income
Tax files- File Nos. …
·
Property
files -File Nos…..
·
Property
Purchase Deeds - Original Documents- File No….
·
Old
Records - File No….
·
Old Bills - - File No…..
·
Rent
Deeds - File No…..
·
WILLS
- File No….
·
Medical
file- File No…..
·
Motor
car/scooter papers and insurance papers for these- File No….
·
Pension
Papers- File No…...
·
Photo
copies of Passport, Driving License, Identity Card, ECHS Card, Canteen Smart
Card, Sainik Board Ex-Servicemen Identity Card, Club/Institute membership
cards, Debit Cards with PIN, dates of validity etc- File No…..
·
Original
Receipts- Bank FD’s,etc - File No…...
·
Personal
Savings – File No…...
·
ESOA
– File No…….
·
Regtl
– File No…...
·
General
Correspondence, E-mail addresses etc- File No…...
·
ACTION AFTER DEATH (AAD) –
File No…..
·
QUICK
REFERENCE FOR ‘ACTION AFTER DEATH’ – File No…..
2. Most Important Tele
Nos.
·
Local ECHS
Office – 2359362
Polyclinic – 2358950
·
Military Hospital -
·
Nearest Registered
Medical Doctors’ Tele Nos. For emergency attendance of Patients -
·
Local AWHO No. -
·
Ambulance/ Hearse Van
Tele No.-
·
Address of shops for last
rites materials.-
·
Tele No & Address of
Authority for Registering the Deaths.-
·
Name & Address of
Tentage and Catering Contractors.-
·
Community Centre Tele
Nos.-
·
Local Club Tele Nos.-
·
Local Cremation Ground
Tele Nos.-
·
NSS Karayogam
President -
Secretary –
·
Local News Paper Tele
Nos. for booking of Obituary.
The Hindu – 2505002
·
Tele Nos of near &
dear ones to be intimated in emergency.
·
Tele Nos of Police
Station
·
CSD Canteen Tele Nos. for
necessary assistance and ADLR
Pangode Military Exchange
– 2352373
Station CSD Canteen –
2350561
Bde Canteen - 2353937
·
SBI(Pensions),
Vazhuthacaud – 2326978
3. E Mail Addresses.
4. User ID & Pass Words
5. Important
Documents
Ser No Document Number Remarks
1.
Ration Card
2.
Passport- Self
3.
Passport- Wife
4.
Election ID- Self
5.
Election ID- Wife
6.
PAN CARD- Self
7.
PAN CARD- Wife
8. PAN CARD- Cildren
9. ECHS- Self
10. ECHS- Wife
11.
KSEB Consumer No.
12. KWA Consumer No.
13. Village Office
14. CSD Smart Card
15. SOORYA PASS…… (valid
till……….)
16. ID Card Retd Offr. No.…….DOI
–
17.
ID Card ESM No.
18. ADHAR No.- Self
19
. ADHAR
No.-Wife
20
. AOI- Pangode
6.Personal Savings
7. Details Bank Lockers
(including key number).
Bank
Locker No. …..Key No. -
8. Bank
Accts.
SBT…………
Acct. No. …..
ATM Card No………….
PIN………….
SBI…………etc.
9. Contact
Information.
9.1.Kendriya
Sanik Board
West Block
IV, Wing 5,
RKPuram
New Delhi –
110 066
Subjects
dealt with: Welfare of
Veer Naris /Disabled Soldier, Air/Rail Travel Concession, Reservation of seats in professional institutes,telephone
connection etc.
9.2. Ceremonial
& Welfare Directorate AG’s Branch
IHQ of MoD (Army) 153A,
Kashmir
House,
Rajaji Marg,
DHQPO,
New Delhi –
110 011
Director:
01123794985 , Jt..Dir: 01123794377
Tele Fax :01123794985
e-mail:randwection@sify.com
Subjects
dealt with: Release of one time grant from Army Central
Welfare Fund (ACWF). Assist the Veer Naris& Disabled Soldiers for other
benefits.
Benefits from Army Welfare
Corpuses.
9.3. Ceremonial & Welfare Directorate (CW-3)
AG’s Branch,
IHQ of MoD (Army) 206G
South Block
DHQ PO,
New Delhi –
110 011
Telephone
011-23012662
Subjects
dealt with : Education Scholarship for Children of Battle
Causalities.
9.4.
Ceremonial & Welfare Directorate (CW-5)
AG’s Branch,
IHQ of MoD (Army) 402,
A Wing, Sena Bhawan,
DHQ
PO ,
New Delhi
–110 011
Telephone
011-23012662
Subjects
dealt with :
Rehabilitation training courses for disabled soldiers (Battle Casualties).
9.5. Welfare
Complex
IHQ of Mod
(Army) 210,
South Block,
DHQ PO,
New Delhi – 110 011
Telephone
011-23375152
Fax
011-23018183
Subjects
dealt with: For release of one time grant of Rs.6,000/-
from Welfare Complex and Queries/Clarification thereof. Penury, Education
Scholarship for Children of ESM/Widows.
9.6. Army
Welfare Education Society
Building
No.202,
FDRC Complex
APS Shankar Vihar
Delhi Cantt – 110 010
Director
011-26152642
Fax
011-26151564
Subjects
dealt with: Admission in Professional Courses for
Widows/Wards of Battle Casualties.
9.7. Director
Man Power (MP-5)
AG’s Branch,
IHQ of MoD (Army) 85,
Second
Floor, Wing VII West Block III,
R K Puram,
New Delhi – 110662
Telephone
011-23375475, 26195662
Fax
011-26106329
Subjects
dealt with: Publication of occurrences and submission of
various claims relating to officers.
9.8. Army
Group Insurance Fund
AG’s Branch,
IHQ of MoD (Army)
Rao Tula Ram
Marg,
Post Box
No.14
New Delhi –
110 057
Col Coord:
011-26142369
Director
Claim – 011-26145709
Exchange
011-26142749,26151031
Asst Director
Claims: 011-26142897
Fax –
011-26148471
Subjects
dealt with : Army
Group Insurance Benefits.
9.9.
Directorate General Resettlement
West Block
IV, Wing 1,
RK Puram,
New Delhi –
110 066
Director
Employment : 011-26192352
Fax :
011-26192350
Director
Self Employment:
011-26192355,
Fax: 011-26192356
Subjects
dealt with: Assistance
for self employment and resettlement.
9.10. Quarter
Master General’s Branch
IHQ of MoD
(Army)
438, B Wing,
Sena Bhawan
DHQ PO,
New Delhi – 110 011
Telephone :
011-23375237
011-23375238
Subjects
dealt with: Provision for retention of Government accommodation.
9.11. Army
Officers Benevolent Fund (Accts Sec)
AG’s Branch,
IHQ of Mod (Army)
279A, South
Block
DHQ PO, New
Delhi – 110 011
Tele Fax –
011-23792382
Subjects
dealt with: AOBF grant
for NOKs of deceased officers/Disabled IMB/RMB
9.12. Army
Welfare Housing Organisation (AWHO)
AG’s Branch,
IHQ of MoD (Army)
Kashmir
House, Rajaji Marg,
DHQ PO, New
Delhi – 110 011
Secretary
AWHO
Telephone –
011-23074202
Subjects
dealt with: Provision
of AWHO Flats
9.13. Army
Welfare Placement Organisation (AWPO)
Room No.53,
West Block III
RK Puram,
New Delhi – 110 066
Telephone –
011-26186075,26100241
Toll Free –
1800-11-9922
Subjects
dealt with: Placement
of Veer Naris/Disabled Soldiers in Private Sector and to provide second career to retiring/retired army personnel.
9.14. Ex-Servicemen Contributory Health Scheme
Maude Lies,
New Delhi – 110 010
Telephone
-011-25683418, 25684846
Telephone
-011-26192362
Website: www.dgrindia.com
(under KSB)
Subjects
dealt with : Medical
facilities of Veer Naris/ESM
9.15. Additional Directorate General Personnel and
Services
ADG PS
(PS-5)
AG’s Branch,
IHQ
of MoD (Army) 419,
A Wing, Sena Bhawan,
DHQ PO,
New Delhi –
110 011
Telephone
-011-23792557
Subjects
dealt with : All matters pertaining to pension.
9.16. PCDA
(Pension)
Draupadi
Ghat,
Allahabad
(UP) – 211014
Telephone –
0532-2622618
0532-2622698,2622699
Fax:
0532-2621549
Subjects
dealt with : All matters pertaining to pension.
9.17. OIC
Defence Pension Liaison Cell (DPLC)
HQ MP,
C&A Sub Area,
Allahabad,
UP – 211001
Telephone -
0532-229-6219
Subjects
dealt with: Liaison
related to pension matter from PCDA(P),Allahabad
9.18.
ADG/Personnel and Services
AG’S Branch
IHQ of MoD
(Army) 434
A Wing,
Sena Bhawan
DHQ PO,
New Delhi –
110 011
Telephone –
011-23018699 Mil-33334
ADG CW TELE
011-23018108
Dir AG/CW 5
Tele 011-26195662
9.19. Army
Officer’s Benevolent Fund
Ceremonial
& Welfare Directorate
Adjutant
General’s Branch
Integrated
HQ of MoD (Army)
Room No17-B
West Block III
RK Puram,
New Delhi 110066
Tele
011-26196217
Subjects
dealt with: Platinum
Grant
9.20. Veterans
Cell
DDG Veterans Cell
Room No 278, South Block
IHQ of MoD(Army),
NEW DELHI – 110011
Tele: 23010608, 23016798
TOLL FREE HELP LINE – 1800
116644
10. LAST WILL AND TESTAMENT BY ………………………(Retd Officer)
WILL
I, ……………………..,
son of …………………., aged……. years, resident of ………………, hereby declare this present to be my last WILL which I make on this
………. day of …….. 2014. With the last WILL of mine, I hereby
revoke testamentary disposition hitherto fore made by me. I am about ….. years
of age. Since life is so uncertain, death may come suddenly; I make this WILL
so that after my death, no misunderstanding or disputes arise between my wife
and children, the love and affection among them may remain forever.
I married …………. D/O…………. The marriage was solemnized according to Hindu
rites on ………. That, we have …… children born during our wedlock. All of them
are married and are well settled in
their lives. Particulars of our children are as under:-
(a) ………., ……years , wife of ………,
serving in …………, son ……………, born on ………….
(b) …………., …..years, wife of………..,
serving in…………., daughters- ……………
I have acquired all my moveable and immoveable property from my earnings
and savings without any contribution from my parents and children.My house,………….. is owned and registered in my
name. My entire Bank accounts and
Fixed Deposits are held jointly
in our names. That, I am making this WILL while in sound state of mind
voluntarily out of my own free will without any compulsion or pressure from any
person or having a second disposing mind that, I bequeath, all my property
moveable and immoveable, cash, balances in all accounts, my cars etc ,to my
wife Smt ………………, with full and absolute ownership rights and power of disposal.
Signature of testator___________________
That, if I and my wife die within a short span of time or without my wife
making a WILL, then all our property shall be distributed equally in our
children as mentioned above or as jointly agreed upon by them. I hereby appoint
my wife Smt. ………………., to act as Executor, depending on her availability for the
expedient execution of this my last WILL.
In witness whereof I, the above named Testator have signed this WILL
hereunder on the day, month and year written above in the presence of two
witness who have concurrently attested the same.
Signature of Testator--------------------------
Date------------------------------ Place-------------
Signed by the above named Testator
…………………., S/O ………..,in our presence at the same time and each of us has
in the presence of testator signed our name hereunder as an attesting
WITNESSES.
Signature of Witness No. 1 Signature
of Witness No.2
Address______________________ Address __________________
11. LAST WILL AND TESTAMENT
BY Smt. ………………………….( Spouse)
WILL
1. I,
the undersigned ,…………., wife of
………………….., born on ………….., residing at
………………., am making this “Will”
on ……………….
2. As on date I am not suffering from any disease.
I am not making this “Will” under any threat or duress. I am making this Will
to ensure that after my death my properties are disposed off as per my wishes.
3. A detailed list of all my belongings is shown
below. In due course of time this list
may undergo some changes. The entire
property was received as share of my late father PG Nair’s property, after his
death or acquired or accumulated as a result of my salaries, investments,
business etc, and I am free to dispose off the same as per my wishes. In the list shown household items like
utensils, kitchen equipments, ornaments etc, are not included, which will be
disposed off as per the wishes of my husband ……………………….
4. In my
family only my husband …………….. is dependent on me. Other members of my family who are not
dependent on me include the following :-
(a) ………………,–………. years old.
(b) …………….,.– ……….. years old.
5. On my death, all my belongings shall be the
property of my spouse, who will be free to dispose off the same as per his own desire. If however, my spouse is not alive at the time
of my death then alone my properties will be disposed off as described in the
succeeding paragraphs.
6. Immovable Properties.
(a) The flat at the address ………………………, will be for my ………………., wife of ……………
(b)
The flat at the address …………………..
will be equally shared by my
children …………, wife of ……………., and ………………., wife of…………….
(c) The
house at the address…………………………., will be for ……….., wife of …………….
7. All deposits and savings on my name will be
equally shared by my two ……………..
In witness whereof I, the above named Testator have signed this WILL
hereunder on the day, month and year written above in the presence of two
witness who have concurrently attested the same.
Signature of Testator--------------------------
Date------------------------------ Place-------------
Signed by the above named Testator
…………………., S/O ………..,in our presence at the same time and each of us has
in the presence of testator signed our name hereunder as an attesting
WITNESSES.
Signature of Witness No. 1 Signature
of Witness No.2
Address______________________ Address __________________
12. letter of intimation OF DEATH
From,
(Address)
Sir,
1.
I regret to inform that my husband, IC –Name……….. Regt…, passed away
on…………………on account of …………................
2.
Death certificate No…….. dated……… issued by……….. is enclosed as indicated
against the concerned addressees.
3.
He was born on…………, commissioned on…………. and retired from the Army…………….
4
He was in receipt of retiring pension of Rs……../- pm (basic) as authorized by
CDA (P) vide PPO No. …………... as amended by Corr No. ……….. ,& Corr No.
5.
He was a member of ECHS attached to ECHS Polyclinic , Pangode, Trivandrum -
695003 . His membership Card No was……………...
6.
I will be grateful if all concerned addressees could take action as indicated
against them as early as possible.
7.
My present address as given above may please be noted for all future
correspondence.
Thanking you,
Yours
faithfully,
(………………)
Distribution List
1.
The Manager ,
STATE BANK OF INDIA,
Manikanta Towers,
Jawanharnagar,
THIRUVANANTHAPURAM – 695006.
SB A/C No - …………………..
Sir,
I regret to inform that my husband, ,
…………….. passed away on ……………….on
account of…………………….... Death certificate No……….. dated………. issued by…………… is
enclosed . The family pension due to me may please be credited to my SB Account
ACCT NO: …………..which has now become a single account after the death of my husband. The life time
arrears of pension due to me may also be credited to the same account as a copy
of the nomination form is already with you.
2 CDA (Pensions)
Sr
AO(P),G1/M(Military Section),Group – IV,
Draupadi
Ghat,
PCDA(P),
ALLAHABAD(UP)
3 Min of Defence (Pen Cell)
Additional
Directorate General Personnel and Services
ADG PS
(PS-5)
AG’s Branch,
IHQ
of MoD (Army) 419,
A Wing, Sena Bhawan,
DHQ PO,
New Delhi –
110 011
4. Deputy Director,
Department of Sainik Welfare& Resettlement
Zilla Sainik Welfare Officer,
Thiruvanathapuram - 695035
5. Officer
i/c ECHS Polyclinic,
Pangode,
Thiruvanathapuram - 695006
13. APPLICATION FOR PLATINUM
GRANT
From,
Smt……………..
W/O Late……………….
(Address)
To,
Army Officer’s
Benevolent Fund
Ceremonial &
Welfare Directorate
Adjutant
General’s Branch
Integrated HQ of
MoD (Army)
Room No17-B West
Block III
RK Puram,
New Delhi 110066
Tele
011-26196217
Subject; Payment of Platinum
Grant On Demise of ……………………………
PPO No…………...
as amended by Corr No. ………………., Corr No. ……………..,
I regret to inform you that
my husband…………………….. has expired on (
date)_____________at …………………, due to
----------------------(Cause of Death). The Certificate of his death Issued
by THIRUVANANTHAPURAM CORPORATION is enclosed for ready reference.
2. You are, kindly
requested, to send me his Platinum Grant on his demise. His date of birth
is …………….. Photo Copy of his Retired
Officers’ Identity Card is enclosed for ready reference. The cheque may please
be issued to me on the Address given on top of this letter. My Bank details are
as under:-
Name of Bank ;
Address
SB A/C No -
4. We have do not have
dependent Children.
Thanking you in
anticipation.
Yours Faithfully,
14. Procedure
for Verification of Date Of Birth (DOB)
From,
Smt………….
(Address)
To,
Addl Dte Gen Of Manpower
(Policy & Planning)/MP 5(b)
Adjutant Generals Branch,
Integrated HQ of MoD (Army)
Wing No 3, Ground Floor,
West Block-III
RK Puram,
New Delhi-66
NOTIFICATION OF DATE OF
BIRTH IN THE PPO FOR ADDITIONALPENSION ON ATTAININING 80 YEARS OF AGE BY
OFFICER/ SPOUSE/FAMILY PENSIONER
Dear Sir,
1. In order to record Date
of Birth in PPO for additional pension in terms of para 12 of GOI, MoD Revised
Pension letter No 17(4)/ 2008/(1)/D(Pen/Policy) dated 11 Nov 2008. Data Sheet
designed by PCDA (P) for issue of corrigendum PPO is provided below :-
(a) Details of Officer
(i)Name…………..
(ii) Service No - IC No –…………….
(iii) Date of retirement-
(iv) Original PPO No……….. (iv) Latest Corrigendum
PPO No Corr
No. ………………., Corr No………
(v) Date of Birth ………………
(b) Spouse
(i) Name
(ii) Date of Birth ……………..
(d) Bank Details (To be ascertained
from Bankers)
(i) BSR Code of the
LinkBranch__________________________________
(ii) Link Branch &
Address ______________________________________
(iii) Pension Bank A/C No
(iv) BSR Code of Pension
Paying Bank –
(v) Address of Branch Paying
Pension –
2. Necessary Documents duly
attested by Gazetted Officer are attached
as proof.
Yours sincerely
Enclosers:-
1. Proof of Birth. (Copy of
any one PAN Card/ Matriculation Certificate/ Pass Port/ ECHS Card/ Driving
License.
2. Copies of Original and
Corrigendum PPOs.
15. APPLICATION FOR
ENCASHMENT OF EXTENDED ARMY GROUP
INSURANCE POLICY
From,
Smt.
W/O Late………………..
(Address)
To,
Chairman,
Army Group Insurance Fund
AGIF House,
Rao Tularama Marg, P.O Bag No. 14,
Vasant Vihar,
NEW DELI- 110057
Sub : ENCASHMENT OF EXTENDED ARMY GROUP INSURANCE
POLICY
Ref: Extended Army Group
Insurance Certificate No. …………… issued to IC-
1. I regret to inform you
that my spouse, IC- ………………has expired on __________at______________.
His/Her Death Certificate issued by Thiruvananthapuram Corporation
is enclosed for ready reference
2. I am enclosing the
Extended Army Group Insurance Certificate for encashment duly completed in all
respect. His date of birth is ……………….Kindly send the cheque of the sum assured
to me on my address as given above. My Bank details are as under:-
SB A/C No. …………
Name and address of my
Bank…………………….
Thanking you in
anticipation,
Yours Faithfully
Signature_____________
(Name________________)
16. Nomination for
claiming arrears
From,
Smt.
(Address)
To,
Sr
AO(P),
G1/M(Military
Section),
Group
– IV,
Draupadi
Ghat,
PCDA(P),
ALLAHABAD(UP)
Account
No: PPO No: ……….
SUB:
Nomination for
claiming arrears
I,………………,
hereby nominate the person named below under rule 5 of the payment of Arrears
of Pension (Nomination) Rules, 1993.
Name
and Relationship –………………….., Wife.
Address:
Date
------------
Signature and Name of Pensioner
17.Endorsement of Family Pension Entitlement in the
PPO.
From,
Smt.
(Address)
To,
Additional Directorate
General Personnel and Services
ADG PS
(PS-59(b))
AG’s Branch,
IHQ of MoD
(Army),
Wing No. 3,
Ground Floor,
West Block -
III, RK Puram,
New Delhi –
110 011
Subject: Endorsement of Family Pension Entitlement in
the PPO.
Sir,
1. I regret to inform you
that my spouse, IC- ………………has expired on __________at______________.
His/Her Death Certificate issued by Thiruvananthapuram Corporation
is enclosed for ready reference.
2.With
reference to Dept of Pensions and Pensioners’ Welfare OM No 1/11/85-P&PW
dated 28-10-87 and Min of Def OM No 6(4)/87 1369/8/D (Pens/Sers) dated 30-6-99,
I hereby apply for endorsement of entitlement of family pension in the PPO. The
required particulars are given below: -
1.
Name of Pensioner:
2.
Passport size joint photograph of the pensioner and the spouse duly attested:
3.
IC No :
4.
Rank last held :
5.
Date of retirement :
6.
Original PC/PPO No & year :
7.
Particulars Pension Disbursing Authority
(i)Sr AO(P),
G1/M(Military Section),
Group – IV,
Draupadi Ghat,
PCDA(P),
ALLAHABAD(UP)
(ii) Bank Branch, full address and SB A/C No:
8.Particulars
of pay last drawn at the time of retirement : Rs /-………………
9.
Attested joint photograph is pasted
above. (Attestation can be done by any Gazetted Officer, Pension Disbursing Officer
such as the Bank Manager, Record Officer, Head of Office of the retired person,
Village Sarpanch, Block Development Officer, MLA/MLC.)
12.
Signature of spouse.
13. Marks of identification :
14.
Present address :
Witnesses:
Signature
18.APPLICATION FOR CHANGE OF
NAME- GAZETTE NOTIFICATION
From,
Smt…..
(Address)
Tel:0471-2355573, Mob- 9387800998 Date:
File No:
To,
The Controller,
Department of Publications
Civil Lines
New Delhi-54
CHANGE OF NAME
Sir,
1. I, wife of), residing at ……………., have changed my name
to……………………
2. I request you to kindly
publish a Gazette to that effect.
3.. Following documents are
enclosed ;-
(a) Affidavit (in Original)
dated -
(c) Printing Matter – Two copies.
(d) Passport sized
photographs – Two.
(e) Demand Draft No.
Dated…..for a sum of Rs 770/-.
4. I may please be provided
with two extra copies of the Gazette for which a sum
of Rs. 70/- has been
included in the above draft.
Thanking you,
Yours faithfully
( --------------- -------)
19.LIFE CERTIFICATE
1. The Life Certilicate has to be submitted by the pensioner/family
pensioner to any Branch Manager of Pension Paying Bank in the month of
November, each year. The scheme booklet (4th edition, 3 Dec 2004) detailing the
"Scheme for Payment of Pensions to Central Government Civil Pensioners
through Authorised Banks" has been amended to include para 15.2, which
provides for an exemption from personal appearance of the pensioner in the
bank. The same is quoted below for ready reference of all concerned.
“A pensioner who produces a life certificate in the prescribed form (given below) signed by any person specified
hereunder, however, is exempted from personal appearance:
·
A person exercising the powers of a Magistrate under the Criminal Procedure
code.
·
A Registrar or Sub-Registrar appointed under lndian Registration Act.
·
A Gazetted Government servant.
·
A Police 0flicer not below the rank of Sub-lnspector in-charge of a Police Station.
·
A Class-l Officer of the Reserve Bank of lndia, an Officer( including Grade
II Officers) of the State Bank of India or its subsidiary.
·
A Pensioned Officer who, before retirement, exercised the powers of a
magistrate.
·
A Justice of Peace.
·
A Block Development Officer, Munsif, Tehsildar or Naib Tehsildar.
·
A Head of Village Panchayat, Gram Panchayat, Gaon Panchayat or an Executive
Committee of a Village.
·
A member of Parliament, of State legislatures or of legislatures of Union
Territory Governments/ Administrations.
·
Treasury Officer.
It is further stated that in the case of a pensioner drawing his pension
through a Public Sector Bank, the life certificate may be signed by an officer
of a Public Sector Bank. ln the case of pensioner residing abroad and drawing
his pension through any other bank included in the Second Schedule to the
Reserve Bank of lndia Act,1934, the life certificate may be signed by an
officer of the Bank. A pensioner not resident in lndia in respect of whom his
duly authorized agent produces a life certificate signed by a Magistrate, a
Notary a Banker or a Diplomatic Representative of lndia, is exempted from
special appearance.”
LIFE CERTIFICATE
Certified that I have seen the pensioner Shri/Smt./Ms. (Name of
Pensioner)--------------------
holder of Pension Payment 0rder
No.--------------- and that he/she is alive on this date.
Name:
Place:
Designation of Authorised Officer
20. LEASE-DEED FOR
RENTING OUT YOUR HOUSE/FLAT.
LEASE DEED
I,
-----------------------------------------S/O Sh.______________________________
and R/O-------------------------------------------------------------,
(hereinafter called the LESSOR of the one part)
AND------------------------------, S/O__________________________ _and
R/O_____________________________________________, (hereinafter called the
LESSEE of the other part).
The term “LESSOR” &
“LESSEE” shall mean and include their respective heirs, successors,
administrators, legal representatives, assignees and nominees. Whereas the
Lessor is the owner of House No ____,Sector/Block No.___ ,
City__________________, Distt.____________, State______________, AND WHEREAS
the Lessee is interested to take the said House on Rent for his family
accommodation.
NOW THIS AGREEMENT
WITNESSETH AS FOLLOWS:
1. That rent effective from
(date) ____________ the LESSOR doth hereby grant use by way of lease, The House
mentioned above and covered/open Car Parking Space No______ already verified
and agreed unto the Lessee for the monthly rent of Rs.________ (
Rs._______________ only ) per month on rent for a period of 11 months. The
monthly rent shall be paid in advance every month latest by 5th of each month.
The rent for the fist month of Rs.------------ shall be paid in cash prior to
taking over of the House. For the following monthly rent, Ten local Post dated
cheques, Payable by 5th of each month, of Rs. ________/- each shall be handed
over in advance at the time of taking over the House by the Lessee.
2. LESSEE shall pay all
Maintenance Charges, the House Owners Welfare/ Maintenance Society ( with
whatsoever Name it is Known ), as levied by them from time to time including
water, electricity, sanitation, security, etc. and taxes levied by the Centre
and State and Local Governments/ Authorities. The amount already paid by the
Lessor and balances remaining shall be paid to the Lessor in cash at the time
of taking over the said house.
3. That the Lessor has
delivered the possession of the said House Covered/open car parking space
on(date) ___________ along with all the fitting, fixtures, wood work ( Annexure
1), Electric fitments (annexure 2 ) and Wooden/ Steel Wardrobes and Lofts.(
Annexure 3) And for which the Lessee shall pay the monthly rent of Rs._____
/-(Rs. _______________ 0nly) inclusive of the rent for fittings. At the time of
expiry of the said lease period the Lessee will hand over the vacant possession
back to the Lessor in good working condition without any deficiency and or
damage.
4. That the Lessee doth
hereby deposit refundable interest free security of Rs. ___________/- by
crossed cheque. The Lessee doth here by undertake to hand over the vacant
possession on the expiry of the lease period hereto and hereby further
undertake to keep the House in proper order and repair and to restore it at the
time of handing over the possession in its original condition.
5. That the LEASE is
renewable at the option of the LESSOR on the following pre-conditions:-
a) From (date) ___________
the LEASE is renewable subject to @ 10% escalation of the preceding month’s
rent for fist year and. Thereafter @ 10% escalation after every year of the
preceding month’s rent.
b) Effective commencement of
this LEASE, this Agreement is valid for a period of 33 months up to (date)
_____________, after which the possession of the House will be positively
delivered back without demur. Failure will entail action for returning of
possession and payment of rent /lease money with escalation of 40% for each
month in addition to payment of legal and other costs for obtaining possession
of the House by the Lessee.
6. That the Lessee doth
hereby undertake not to do or cause to be done anything which may in any manner
effect structural or other constructions and under no circumstances carry out
any alteration without prior written permission from the Lessor. The Lessee
doth hereby undertake to comply and observe all the Government, Local Authority
and Residents Welfare/Maintenance Society, Rules, Regulations and Restrictions
imposed by them on the Residents, from time to time, as applicable.
7. That the Lessee shall use
the premises for lawful residential purposes only. The Lessee shall be solely
responsible for the conduct of the family Members who are residing in the said
house. The Lessor shall not be responsible and or accountable for any unlawful
act on the part of the Lessee, his family members and or any of his guests or
visitors to the said House in any Police / Court Proceeding.
8. That no Electric,
kerosene, coal or firewood cooking shall be allowed in the premises of the said
House.
9. That the Lessee shall not
be entitled to sublet any portion of the said premises in any manner, or part
with possession to any one under any arrangement whatsoever without the written
prior permission of the
Lessor.
10. That the Lessee shall
permit the Lessor or their agents to enter upon the said premises if they so
desire for inspection or repairs etc as and when they choose during day time.
11. That the Lessee shall pay in advance the
Maintenance and Electricity charges as Levied by the authorities from time to
time through the Maintenance Society or as decided by them. Under no
circumstances the accounts should run in debit at any one time.
12.The house tax, ground
rent as assessed today shall be paid by the Lessor. Any Property tax if levied
in future shall also be paid by the Lessor.
13. That this Agreement is
subject to the jurisdiction of the _____________ courts.
14. That the Lease may be
terminated by either party by giving a three months notice to the other party
in writing by a registered post on the address as given herein above.
15. That the Lessor is at
liberty to sell, transfer, gift or pass over the property or Assign the Power
of Attorney to any person at any time. In that event the Lessee doth hereby
agree to pay the rent to the transferee / the person so nominated by the
Lessor.
16 .Failure to comply with
terms here of shall ipsofacto deem to have cancelled this Lease deed and the
Lessor shall be entitled to assume possession of the premises without referring
to the Lessee.
17. That in case the Lessee defaults in payments
of rents for two consecutive months/ or defaults in honoring his /her cheques
for rents the Lease shall stand terminated automatically and also the Lessor
may put his lock on the premises. Opening of the lock by any means by the
Lessee or his/her guests shall be deemed a Criminal trespass and legal
proceedings may be initiated accordingly
against the Lessee.
18. That all the costs towards Stamp duty,
Registration & lawyers fee and other expenditures incurred in drawing this
Lease Deed shall be borne by the Lessee.
19. That in matter of
dispute touching construction or subject matter hereof or anything incidental
or connected hereto , the decision of the arbitrator ( The Chairman of the
Welfare/ Maintenance Society shall be final and binding on both the parties in
all respects and will not be questioned for any reasons whatsoever.
20. Each Party hereby
unconditionally undertake to Indemnify the other Party against all losses,
claims, demands, actions, penalties, prosecutions, proceedings, damages, costs,
liabilities, expanses of payments of any nature whatsoever arising in any way
as a consequences of any breach by either party of any term, conditions or
covenants of the lease granted to them.
IN WITNESS WHEREOF we the
parties set our hands at (place) ____________ on the day and year first above
mentioned
LESSOR LESSEE
WITNESS 1 WITNESS
2
21. NOTICE FOR NON PAYMENT
OF RENT
To,
Mr………………….
(Address)
Subject: Notice for Non Payment of Rent.
Dear Sir,
1. I am constrained to
Remind you that you have failed to pay the rent of my property taken on rent
and failed to abide by our Lease Deed Entered in to on (date)__________.
2. Kindly ensure to send a
demand draft payable at__________________within 7 days of receipt or 10 days
from dispatch of this letter which ever is earliest. Failing which I WILL be
compelled to reenter my property in accordance with our Lease Agreement and you
will be responsible for all the consequences.
Yours Sincerely
Sd_____________________
( Name_____________________)
Place__________________
Date__________________
22. POWER OF
ATTORNEY .
BE IT KNOWN TO
ALL Whom so ever it
may concern that I_________S/O___________
and R/O__________(herein after called the Principal) do hereby nominate,
constitute, appoint, empower and authorize Shri_________
S/O______________R/O
________________ act and deal on my behalf hereafter called my (Attorney) to
do the following:
IN RESPECT OF:
WHEREAS the
executant is the sole lawful owner in possession of entire property No.
_______________allotted by _________________ covered area admeasuring _______________
sq. fts.approximately. My said Attorney shall be entitled to take over, sign
the inventory, to get mutation in my name and to pay house tax and to get
refund if paid in excess on my behalf under his/her signature and for the
purpose do all act(s), deed(s) and things which are necessary for the same. All
act(s) lawfully done by the said Attorney by virtue of these presents shall be
deemed to have ratified by me.
IN WITNESS
WHEREOF I have set my hands on these presents in the presence of
the following
witnesses, on the date, month and year herein below written.
Place________
Date __________
WITNESSES
EXECUTANT
1
Sd.__________________
2
(Name_______________)
Date_________________
888*************************************************************************************8888
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