OUR SIGNALS BIGGER PARIVAAR

Sunday, 23 October 2016

BHIM - E-PAYMENT MOBILE APP

Our Prime Minister Shri Narender Modi released the new Mobile Application for Cashless Digital Payments on 30th Dec 2016. The Application has been named BHIM in Commemoration of the birth Anniversary of Dr BR Ambedkar. This application works over the "Unified payment Interface" (UPI) of the banks and is very simple and reliable. This APP has now been upgraded and is available on both Android as well as IOB platforms. It is available in 7 Indian Languages and has been Aadhaar Enabled for payments.

CLICK HERE TO OPEN FULL ARTICLE

Wednesday, 19 October 2016

ASSURED DECENT LAST RITES SCHEME (ADLRS)

In order to ensure that the Army Veterans get a decent funeral on death, the services HQs have made a special provision to release some funds from the canteen profits of the Canteen where the veteran had been attached. The necessary instructions have been passed to all Station Canteens on these provisions. The families are advised to contact their CSD(I) Canteens from where their cards have been issued.

Assured Decent Last Rites Schemes (ADLRS)

Assured Decent Last Rites Scheme (ADLRS) was launched in May 2006 to provide all willing veterans an honorable funeral as a befitting tribute/farewell from the Army during their last journey. The very essence of the ADLR schemes is to provide “on the spot” assistance required by the family in organizing honorable last rites.
A grant of upto Rs. 5,000/- (now 10000/) will be paid soonest by the dependent URC or the Stn HQ on receipt of information of the death of the veteran (or the death certificate within one year) to the next of kin for assisting in organizing decent and honorable last rites of the veteran. In the absence of next of kin (NOK) or on the request of the family the responsibility of organizing the last rites will be taken on by the field staff.

For more effective implementation, the NOK/dependent/relatives of the deceased will contact Army Est/Unit located in the close proximity and the amount will be paid by the unit to the NOK. The said amount will be re-imbursed to the unit from the dependent URC of the veteran.

If the death of the veterans occur at a stn which is different from that of dependent canteen or the veteran not being registered with a local canteen then following to be implemented:-

If a veteran passes away in a different stn, he will be paid ADLRS amt by the nearest canteen. This amt can be claimed from the dependent canteen of veteran later on.
In case a veteran is not registered with Canteen for ADLRS, he will be paid ADLRS amt by the nearest Stn HQ.

(Auth : R&W Sec letter No B/45322/174-2005/VIP REF/AG/R&W Coord dt 29 Nov 2010 and B/45322/AG/ADLRS/R&W-4 dt 12 Nov 2013)

Vide the above letter those Veterans who are dependent on a URC but are not from the Army seem to being denied the benefit of the scheme despite contributing to the profits of the URC and enhancing the Quantitative Discount to the URC as all demands and profits are a result of all ALL dependent veterans on that URC and not only those from the Army.

It is understood that the Indian Airforce has a scheme of their own and Navy seems to have none.

It is put up for consideration of all 3 service Hq that a common scheme be evolved for all three services for the scheme to be run from QD and Profit of dependent URC

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Friday, 16 September 2016

HOW TO USE THIS SITE

SIMPLE GUIDE - HOW TO GO ABOUT THIS SITE.

1. For some it may be difficult to browse through this site while searching for the right information or material. We therefore out line the method to go about as in succeeding paragraphs.

2. Open the blog site go, through the Flash News for something new on this site which is usually linked there . However you will like to read in full the detailed information in this site. Please follow the method as outlined here in (Read More)

First Go to INDEX OF THE CONTENTS OF THIS BLOG SITE, wherein all posts are listed and grouped under main subjects. Say if you are looking for Pension Tables, go to Pension and then to the required post.

3. Once you have reached the required post in the INDEX click on it, the post will open in a separate or the same page as per setting of your computer. Once you finish with it go back to the home page from there or from the right hand column to continue reading.

4. In this site there are large number of documents, pamphlets and E-Books which are of concern to the Veterans. Due to restriction on space in the blog site we have uploaded them in the cloud and linked them with hyperlinks in the text of the posts. Some of these documents are on Skydrive for the last over 12 years. This cloud storage has changed hands and is now called as One-drive. The new site gave us short links which we have refereed to in the text of the posts.
Note: when you move your mouse over the hyper link test it's icon changes to a hand indicating the linked URL embedded in the text, just left click on your mouse the new linked page will begin to open. (TRY THIS HYPER LINK > "OUR NDA MEMORIAL") rarely at times you may need to CTRL+LEFT CLICK to open the page.

5. Recently One drive has upgraded their cloud storage and have done away with the shortened links as such some of the documents may not open by clicking on them. We are however trying to repair them based on information being sent to us by our readers. These links being in thousands it is not possible for us to repair each and every link, even if we try it may take us a year. We will therefore urge our readers to kindly point out such invalid links by copy pasting their titles in your emails addsd to mgr.sigs@gmail.com or by writing your message under the comments of the particular post.

6. It is easy to write your comments, while you are reading a particular post scroll down to the bottom of that post, where you will find the COMMENT written, click on this and formatted box will open where your msg can be typed or copy pasted and submitted. We will thank you and will take action immediately to correct the posts.

SPECIAL CONSTITUTIONAL STATUS OF THE ARMED FORCES

DO YOU KNOW YOUR DEFENCE FORCES.
A very exhaustive article in http://mycriticalreviews.blogspot.in explains the very special status given to the Armed forces in Indian Constitution to the extent that in past the Chiefs cautioned the then Prime minister of India to remain within the provisions of the constitution, a guard against the political leadership in becoming a Dictator. Hats off to Dr BR Ambedkar who had such a vision at that times.

http://mycriticalreviews.blogspot.in/2016/10/faqs-why-are-soldiers-agitating-are.html?spref=tw%3D%3D&m=1

Do You Know Your Defense Forces? FAQs: On the Constitutional Status of Defense Forces?

Last updated on 6 Nov 2016- Total Hits/ Views = 36000 plus.

Thanks readers for overwhelming response. Two more blogs will come. Second one in continuation of present one dealing with aspects like what does apolitical means in terms of law and Coup Proofing Vs Coup Phobia and third one on "What Rots Indian Military within"?

This blog is an attempt to answer 'Frequently Asked Questions' on issues of military. The questions answers given are not a complete set and shall be kept updated time to time.

Question No 1. Military veterans seems to be always agitated on issues like pay, pension and allowances. Why is it? Are they depressed or greedy?

Answer.

Military veterans vocal on electronic, print and social media or agitating on Jantar Mantar airing their concerns on many issues concerning military, are neither depressed nor greedy. Soldiers of Indian army give more preference to service to nation and democracy than money. There are certain pressure points which govts after govts have not only ignored since 1973, but are creating more reasons for agitations.

As for as public is concerned, in independent India it is happening for the first time, that in last 5-6 years military veterans have taken the course of agitation on key issues in public domain creating ripples in minds of common man creating such false impressions. The issues are pending with govt since 1973 and now the patience of soldiers is at breaking point.

Question No 2. But why shall Govt show such apathetic attitude towards soldiers? Soldiers defend nation and render great service and politicians, babus and govt are surely aware of it?

Answer

It puzzles solders too. Why such apathetic attitude towards soldiers? Serving soldiers do not have unions or lobbies like civilians. They always had blind trust in govt but in 1973 they were delivered a serious blow when their status, pay, pensions and allowances were reduced drastically by 3rd pay commission and that of civilians raised. It created serious imbalance and that too once soldiers had delivered an unprecedented and historic military victory in 1971 war. Instead of award, soldiers were punished. It never happens like that. It is a sure way of killing the high moral of a victorious army setting a wrong precedence.

Soldiers have a system of reporting their problems to their commanding officers, who then report the matter to services HQ at Delhi. Military Chiefs then take up matter with the govt. Soldiers followed the same system and had trust in the ability of their chiefs and Govt. Naturally such serious imbalance created by 3rd pay commission were reported to Govt through proper channels. Then PM Indra Gandhi assured Military Chiefs of resolution of their problems but it never happened.

Since 1973. chiefs after chiefs have kept reporting the matter to Govt. Govts after Govts have kept assuring soldiers about resolution of their problems but without any solution in sight. Rather various political parties have used frustration of soldiers for petty vote bank politics. It has now created a situation wherein soldiers have lost trust in ability of military chiefs to get solution and started doubting the intentions and seriousness of Govts to deliver justice forcing them to came on street and social media bringing matters into the notice of public. After in all in democracy people are supreme. It is surely not a healthy sign for the democracy. It has also created problem within military where abilities of top leaderships to effectively communicate with govt are now being questioned?

Question 3. Still why is Govt not serious? Soldiers on street in democracy is a frightening scene?

Answer.

It is surprising for soldiers too. Why is govt not serious? Why are political parties only interested in using frustration of soldiers for votes? Ignoring the problem without giving any justification is like adding the fuel to fire. Unfortunately, such apathy is creating impressions that corrupt politician- babu nexus has no time for serious issues of the nation and soldiers demand for justice is no exception. Look around, justice system has collapsed, govt administration is totally rusted, corruption rules everywhere, parliament has become defunct, proxy govts rule, no political party has internal democracy, funding channels are kept secret, banking is overburdened with NPAs, gap between poor and rich are widening, farmers are committing suicide. A situation of hopelessness exists. It looks politics has become a profession of employment for failed people who are only interested in loot and plunder. Babus, banks, judiciary, some crony businessmen and temple priests, have joined hands with corrupt politicians to create a mafia. Naturally such mafia has no time and sensitivity for soldiers and justice or what else could be the reason?

Indian soldiers are sensitive, committed to constitution and responsible people. Soldiers know that in the given situation of hopelessness, if they also come on street, as it happens in other countries, it will deliver a death blow to the nation. Naturally so, military veterans have taken the responsibility to communicate with "we the people" who are supreme in democracy, keeping the threshold of agitation well below acceptable limits so that the situation doesn't explode.

Questions 4. What are the major demands of soldiers?

Answer

The major demands of soldiers are:

1. Status of soldiers as given in the constitution be respected.

2. Accordingly, serious imbalances and disparities between compensation model of soldiers and other govt civil employees be removed based on best HR practices taking into account the average career earnings including pension benefits.

Question 5. What are the constitutional provisions for the executive authority of the military?

Answer

Constitutional military executive authority of the soldiers comes out of the following articles:

1. Article 18;- respects the "Title of Ranks" of Soldiers even after his death. Soldiers never retire. Title of Ranks never die.

2. Article 34:- Gives military a political executive authority to intervene by declaring martial law only to restore democracy. In India parliamentary democracy is supreme. This article makes Indian military as soldiers totally committed to democracy and "we the people". There may be situation where state fails to govern as per constitution or parliament is unable to function due to any reasons or rise of a civilian dictator endangers democracy or external/ internal aggression endangers it . In such situations constitution makes obligatory on military authorities to intervene to protect and restore democracy. Baba Saheb Ambedkar was a very wise man. He could sense that in independent India, probability of rise of civilian dictators are more than rise of a military dictator. He therefore under this article, entrusted military a role of silent and invisible custodian of Indian democracy. History of independent India is testimony to the fact that Baba Saheb was right. Military has been loyal to constitution and we the people whereas Indra tried to become dictator declaring unconstitutional emergency. Military did play its role to protect democracy, when then Army Chief cautioned Indra to remain within limits of constitution. In fact emergency was lifted as all three chiefs wrote a top secret letter to Indra Gandhi advising her to lift emergency and call for elections. Probably this is right time the content of this letter shall be disclosed to public.

3. Article 52 read clubbed with Article 74:- The sovereign authority of govt is vested in the President who wears two distinct hats. One of being head of civil political govt and other of supreme commander of defense forces. These two roles of the president are independent. Under this article the hard and soft national powers are identified and constitutionally divided. While the democracy under the pre-dominance of soft power functions under the leadership of Prime Minister and his cabinet, the total command authority over the hard power of military is denied to him/her. Baba Saheb was a visionary and had deep knowledge of Indian history. He wisely so separated national hard power from the national soft power. Baba Saheb knew if PM or defense minister are given total command authority over military it will give rise to many civilian dictators. Therefore under this article if read clubbed with article 74, the political direction to military comes from cabinet headed by PM, administrative support comes from ministry of defense and military retains the authority and freedom to take military executive decisions and that is the reason precisely military is an attached organisation to the political govt. Constitutionally, military can not be subordinate to PM and his cabinet as President who is senior to PM is its head and also PM is not given command of military. In Indian democracy where PM exercises executive political authority and President is constitutional head of military, services HQ can only be integrated with civil govt and can not be merged as is the case in USA.

4. Co-relation of Article 34 on Article 52 and 74. Articles 52 and 74 do not take away the authority as vested in supreme commander of defense forces and military commanders as Silent and Invisible Custodians of Indian Democracy. There could be situation where advice of PM (aspiring to become a dictator) and his cabinet to President could be detrimental to democracy. Under article 52 and article 74, president is left with no choice except to accept their advice after one review however under article 34 supreme commander of defense forces or military commanders can exercise military authority as vested in them only to defend constitution and democracy.

Question 6. Constitutionally, what are the roles of the defense forces?

Answer

If seen in the backdrop of above constitutional provisions, the roles of Indian Defense Forces are:

1. Primary Role. To defend Indian Constitution and democracy against any of the following threats:

a. Any external aggression or threat in any form on the geo-political and economic interests of India, territories under the political control of Indian Govt and Indian constitution. The external threat may not be always in form of military invasions. It may appear in form of externally abetted political assassinations, cyber or economic wars, threatening geo-poltical alliances or posturing etc.

b. Any internal threat endangering functioning of the constitution and democracy which may be in forms of armed rebellion or political takeover by a civilian dictator.

2. Secondary Role. To assist civil administration in maintenance of law and order and in case of natural calamities, disasters and disturbances only when requisitioned.

Please note that defenses forces can act in their secondary roles only when requisitioned. However for preforming their primary roles, no such orders or requisition are required. However as long as an elected political govt under parliamentary democracy is functioning, defense forces will always seek their political directions before any action. In case such govt seize to exist or nuke attacks have obliterated such govt or a civilian dictator has taken over violating constitution or any state govt has rebelled or any armed rebellion has seized any part of territory/ govt administration, defense forces will act under the military authority as vested in them to protect constitution and shall not wait for any political directions.

Question 7. What are the constitutional provisions for the status and service conditions of the Defense forces?

Answer

Chapter 14 of the constitution deals with "Services of the Union and States". Though defense forces are created under articles 34 and 52, but their service conditions are constitutionally governed under this chapter. Relevant article are as under:

1. Article 309 empowers parliament to make legislation for the service conditions of various public services including defense forces.

2. Article 310 Makes provisions for the tenure of all commissioned officers of the defense forces personals and civilian gazetted officers to be at pleasure of president. This article mentions various govt services in order of their seniority in terms of constitutional status. Officers of the defense forces are first in the seniority even ahead of civil services of the union (discontinued after independence) and All India Services (IAS, IPS, IRS, IFS etc).

Articles 311- 323 under the chapter deal with various safeguards provided to civil services and forming of Public Service Commissions.

Legal provisions for withdrawal of Pleasure of President in respect to officers of the defense forces differ from the civil officers which for defenses forces are further given in respective services acts, rules and also regulations.

Under article 309, various civil services acts for giving various service conditions in details like IAS acts and rules or IPS acts and rules have been framed. However in relation to defense services Govt and Parliament has chosen to remain silent and adhocism has been created. Absence of act and rules for service conditions of defense forces in detail as mandated under article 309, is the root cause of soldiers grievances. Present Defense Acts and Rules deal more with the discipline aspect of forces. The defense regulations are customs of Monarchy. India is a democracy and defense forces shall not be administered under adhoc regulations.

Question 8. How are officers in defense forces appointed and how does their oath differ from a civil servant?

Answer

Officers of the defense forces in addition to being gazetted, are also commissioned officers. The word "commission" is mentioned in the parchment given to them at the time of their commissioning wherein they take oath of allegiance not only to the constitution as taken by civil officers but also to obey lawful command of their superior officer up in the chain of command after due observations to it being a lawful in accordance with laws of regular army.

Under this observed obedience of lawful command, duty to defend the constitution is inherent. Civilians including PM and Govt Ministers take oath of allegiance to the constitution and not to defend constitution? Few key aspect which shall be noted in appointments of defense officers are :

1. The parchment of commission is given under the printed signatures of the President authenticated by a Military General and not by any civil officer.

2. In parchment of commission, the President uses the word "ME" and not "MY GOVT" as he uses in Parliament, because the authority of military command is absolute in nature and is vested in him as supreme commander of the defense forces. Such power legally can not be delegated to any other authority. Provisions of article 74, therefore do not apply on military authority and chain of command. Army laws make nature of command legally very clear. In case of confusion of political directions for military between President and PM, defense forces are obliged to follow orders of supreme commanders of defense forces and not PM.

3. Officers of defense forces take oath to serve anywhere in world and space, where ever they could be send by land, air and sea beyond the territories of India and where even the Indian laws do not apply? They enforce the sovereign authority of the state not only within national territories but beyond.

4. Officers are suppose to follow such orders of command which are lawful in nature. Legal validity of orders are decided by officer himself interpreting these under the law. Commissioned officers are therefore expected to use their judgment to decide legality of the orders and all illegal orders he is expected to disobey. In case commissioned officers obey illegal orders, they carry liability of criminal prosecution.

5. Officers of the defense forces by virtue of being commissioned officers, are vested with following powers

a. Military executive authority not only to impose its will using military force on any entity but also to the extend of forming govts. Military Govt in India were formed in Hyderabad, Goa and Junagarh once these were liberated and also in Bangaldesh and Jaffna Sri Lanka.

b. Judicial powers to not only give punishments to the extend of death sentence, but in certain situations confirm and execute it without any reference to any court, govt and president.

c. Powers of Magistrates are exercised by defense forces in aid to civil authority. Officers of the rank of NCOs and above exercise such powers. Whereas in case of civil these are not below gazetted officers.

d Military Authority to command troops. Military functions based on unique concept of command.

e. Administrative powers like any civilian officers.

It could be seen from above that all functions of state for which a civil govt has different organs, in case of military are vested in commissioned officers.

Question 9. It seems somewhat confusing? General Impressions are that constitutionally IAS officers are Masters of Indian Destiny and they are even superior than other sister services like IPS, IRS and IFS?

Answer

If seen in backdrop of article 310, that is not correct. Over a period of time IAS officers have taken advantage of their certain appointments and closeness to politicians. Corrupt, greedy and insecure politicians have obliged them, as in elections IAS officers are appointed returning officers responsible to check validity of their nomination papers, their election canvassing activities and spending of funds. In fact it is this appointment which makes them a kind of masters of Indian Elections. It is the IAS officer as DM, who announces results of vote counting. When in multi corner elections where victory margins are thin, such officers naturally can oblige politicians. It is this relationship between politicians and IAS officers which has given unjustified advantage to IAS. In most of the democracy. No civil servant is given the responsibility of being a returning officer. In US, civil servants only oversee checks over political spending, in Pakistan, these are judicial officers who are nominated as returning officers. The present practice is harmful to Indian Democracy and parliament must take note of it?

Nevertheless constitutionally, following shall answer the question about the correct position on the standing of officers of defense forces with officers of IAS and other All India Services :

Comparison of Constitutional Status of Defense Officers and IAS including Officers of All India Services

1. Sovereign Executive Military Authority is an exclusive domain of military officers exercised through powers and chain of command. Under such authority nations are destroyed or made. Political directions for military actions at macro levels are given by elected govt in a functional democracy. Under article 34 defense forces have been made silent and invisible custodian of Indian democracy with a responsibility to keep it intact. No such powers in civil domain to any civil officer.

2. Authority to form political Govt is an exclusive domain of political civil Govt in a functional democracy on mandate of 'we the people'. However in certain situations with approval of elected civil political authorities and if it doesn't exist then own its own, officers of the defense officers form a political govt in any external captured territory and anywhere within the country. Examples are when military formed Govts in Haydrabad, Goa and Junagarh within the country and in Bangladesh and Jaffna; Sri Lanka abroad. Such govt can be led by any military officer or any other person so authorized by responsible military commander. Adjutant General of the Army HQ is responsible for the subject. Only officers of the rank of Brigadier and above are authorized to declare formation of such govt. That is the reason rank of Brigadier was and should be equated with the appointment of secretary of Govt of India. Same is the practice world over in most democracies. No such authority is vested in any of the officers of all India services. All civil officers serve under the command of military commanders under the military govts.

3. Judicial Powers Any commissioned officer can be nominated to the military court as a Judge. Military officers of the rank of Captain and above exercise judicial powers of a session judge and can give death sentences. In case of SGCM, an officer of the rank of Captain and above can nominate himself as judge and can give death sentence in a summary trial. He in this case can also confirm the sentence given by himself on behalf of president and give orders for its execution without reference to any court and civil authority. No right of appeal is given to the accused. Military Laws can be made applicable to civilians either by notification by central govt or under martial laws. Legal validity of the courts formed under martial laws has the sanction of Supreme Court. No such powers or authority is held by any officer of the all India services.

4. Powers of Magistrate. Powers of magistrate is more of a civilian concept when a civilian officer is given part of executive authority of the state by virtue of he/her holding an appointment or given for a period. Military works on the concept of command where executive powers of state are inherent in powers of command of Military officers by virtue of holding commission or authority to exercise such powers. In case of military, powers of command are given down to NCO levels. In aid to civil authority military Non Commissioned Officers, has the powers to order fire. Such orders in case of civil can only be given by a Civil magistrate. These powers are not inherent as is the case of military officers. IAS officers exercise powers of magistrate as returning officers for an election. It is this appointment which gives advantage to them to illegally oblige politicians and makes them powerful over others.

5. Administrative Powers Exercised as authorized by defense officers as well as officers of all India services.

Please note, IAS officers or other officers of all India services exercise executive powers of state only when they have powers of magistrate or holding a specified appointment where as executive authority of the state are inherent to all commissioned officers by virtue of they holding commission on behalf of President. Nature of job of officers of all India services is more as administrative whereas in case of defense officers it is pre-dominantly executive. That is the reason article 310, puts officers of defense forces in senior most order than officers of all India services and other civil services. Yes it is also true constitutionally that IAS officer have no legal standing to claim seniority or preference over IPS, IRS or IFS. Their present superior status is illegal and has been created with help of politicians as they are the only one who can become returning officers to conduct elections.

Question 10. The word defending the constitution are neither mentioned in Oath and Nor in commission parchment, then how are officers of the defense forces responsible for the defending the constitution?

Answer

Oath of President of India has two key words. One "upholding the constitutions" and other defending it? President takes the oath to defend constitution as supreme commander of the defense forces and the only means to defend constitution, he has are the defense forces. He therefore passes his authority to officers of the defense forces in form of commission. It is through this commission the officers of defense forces become responsible for defending the constitution by military force following lawful command. Article 34 also makes it obligatory on part of the defense forces to defend constitution.

Question 10. Civil Political Govt has authority and freedom to decide what shall be status of the defense officers and how shall they be paid? Why shall defense officers and soldiers crib?

Answer

Govt of the day is formed and functions under the broad constitutional framework. No govt or babu is above constitution and they are expected to work within the space as provided. Since 1973 govt are taking certain unconstitutional decisions and downgrading status and compensations of the the defense forces. The same is highly objectionable. Defense forces have been so far maintaining the decorum and trying to argue reason with the govt. Unfortunately the same is not yielding the result and no answers are coming from the govt? That is main reason military veterans have taken to social media and streets.

Questions 11. Why shall Govt give answers to the military? It is communicating its decisions? Where is the problem in it?

Answer

India is a democracy and not autocracy. Govts are answerable to the people and parliament. In case of military they need to explain reasons as by law military is not expected to obey unlawful orders. Soldiers have certain of their fundamental rights restricted it doesn't mean they lose all other rights of a being Indian citizens? Govt carry a responsibility to reason out their grievances? It is demand of democracy.

Question 12. Why is military not going to court? After all it is an attached organisation to the govt and maintains its own identity?

Answer

Defense forces surly have such options open but not exercising showing respect to democracy and hoping that some day wisdom will prevail. After all military going against an elected govt in court might cause serious problems to the democracy. Yes some serving officers and military veterans are taking some lead but the same is also not a healthy sign.

Question 13. What are the main grievances? Can same be elaborated?

Answer

Same were explained above in answer to question 4. The same is again elaborated here:

1. Considering various articles 18, 34, 52, 309 and 310 of the constitution and their authority, powers of command, roles and functions, officers of defense forces have a constitutional status and the same is superior to the senior most civil services that is IAS. Article 310 makes it very clear. Equating commissioned officers inferior to police and higher than homewards is surely humiliating. Since 1973 defense forces are actually under systematic motivated attacks from political establishment for marginalizing them. The same is likely to create a serious imbalance in power structure of the country in total violation of constitution which is fraught with serious consequences like creating space for rise of civilian dictators.

2. On the eve of Independence, first Govt under PM Nehru in fact had realized the problem and on recommendations of a committee, respecting constitutional status of the defense officers, certain principle of parity were laid down. The same were:

a. The status of officers of defense forces will be superior to civil services; IAS.

b. Seniority protocol between commissioned officers and IAS shall be decided based on length of service and not on the basis of rank of defense officers.

c. Compensation packages in terms of total average career take home including pension of defense forces shall be higher than civil. In case of defense officers more than IAS.

3. The above thumb rule as made under Nehru govt, respected the constitution. It was in 1973, in lust to be a dictator, Indra Gandhi tweaked above policy and cut their status and compensation drastically. The process which she started is still continuing? Now the situation is that in terms of status, defense forces are being equated to Grade B civil officers and their average career take homes are less than police and above home guard?

4. The real unrest is not OROP or some allowances here or there. Real issue is question of disparity and serious imbalances in total disregard to constitutional status of the soldiers. If a MP is respected as MP, if president is respected as president, if judges are respected as judges all as per status given in constitution than why are soldiers not being respected their constitutional status? Degrading soldiers in total disregards to constitution is nothing but direct attack on Constitution.

Question 14. PM Modi seems to be serious in resolving the issues, then why are soldiers still agitating?

Answer

Soldiers had lots of hope in Sh N Modi as he looked sincere but actions of his govt doesn't speak the same story. Following may please be noted:

1. BJP promised a white paper on the problems and also formation of a military commission. In last 2 years nothing has happened on it?

2. After BJP formed govt, their defense minister clearly said "OROP" can not be given. Soldiers are asking salary for life. That triggered agitation. Then their Home Minister tried to break the agitation using force. A RSS leader in their first ever political darbar in Delhi, in fact as reported passed instructions to present Defense Minister in a very derogatory manner "Give them something and make them quite'? It further aggravated problem.

3. Govt has accepted recommendations of the VII pay commission which has given a very humiliating treatment to soldiers, cutting them further in status and compensations. There are issue pending since IV, V and VI pay commissions. Nothing was addressed, rather more cuts have been implemented. It has happened for the second time, while the civilians have been given their dues, soldiers are still struggling. It is the first time in the history of India, where three services chiefs have polity declined implementation of VII pay commission till major anomalies are resolved.

4. On issue of disability govt has created yet another controversy.

5. Now fresh controversy over status parity has erupted in MOD, where civil officers of the Grade B are being treated much superior than commissioned officers.

6. On all these issues, one can notice deliberate leaks and motivated article to defame soldiers? In VII pay commission report, an attempt has been made to put down soldiers and show them as greedy.

7. A new fund has been created for public to donate money giving and impression that as govt has no money for soldiers as nation is poor, public must pitch in donations.

Question 15. India is poor country surly she cant not pay soldiers lavishly?

Answer

Who is asking that? India is a poor country then why to pay civilian govt employees so lavishly? Soldiers are asking to remove imbalances and restore their status maintaining the principle of parity in line of constitutional status. Nehru Govt did make the rules.

Question 16. If govt doesn't address the problem as seen by soldiers and tries to resolve its own way then what are the consequences?

Answer

At first place govt shall not do that. The constitution is supreme. If govt still wishes to go ahead then better amend constitution. Make defense minister as supreme commander of defense forces, abolish article 34 and article 52 II. Amend article 310 to make defense forces junior to police forces. Make NSA as Chief of Defense Staff and stop giving commission to defense officers. Where is the problem? We live in a democracy where constitution and will of people are supreme.

But if not done, then respect the present constitution. In any case, since independence a situation has been created now where trust of soldiers in govt as the its lowest. It is a dangerous situation. A soldier who is low in his self esteem and doesn't trust govt will have no trust in cause of his mission and moreover he will be more worried about future, safety and security of his family? Such soldiers can only deliver defeat. Choice is of the govt and we the people.

Question 17. What is the way out?

Answer

Well the way out is known to the govt. BJP did promise a white paper and standing military commission. In fact Supreme Court has been suggesting same to govt. Twice it has happened that SC has ordered Govt to form a standing commission and then withdrawn its orders on promise of the govt. Let this commission first publish a white paper and then take a comprehensive approach to restructure the whole model keeping constitution in mind. The real issues are only two. 1. Treating soldiers as per their constitutional status and 2. accordingly structuring a compensation model.

Tuesday, 6 September 2016

AOBF - CLOSURE OF SCHEME & REFUND

AOBF REFUND - UPDATE

Dear Veterans,
You are already aware that AG's Branch has taken a decision to terminate the AOBF wef 2018. They are thus in the process of refunding your contributions in a sequential manner . Presently they are handling those Veterans who were born in 1943 as also those commissioned up to 1971. The amount that will be refunded is as shown in the schedule below.

ACTION ON OUR PART - Please ring up Army HQ AG's Branch Tel No, - 011 26196217 , which is being promptly attended by a JCO. I got connected with this number in first attempt. Give your IC No to the JCO, he will immediately check your details on his computer and verify with you and your current postal address will be updated by him in his data base. They will send a letter by post at your updated postal address to obtain your bank details for sending you the cheque once your turn comes up.

It is however advisable Specially to those commissioned upt 1971 to send a letter to the AG's Branch giving all your details and enclosing a cancelled cheque of your bank account, as per sample given below:-

Integrated HQ of MOD (Army), AG’s Branch

Ceremonial & Welfare Directorate (AOBF)

Room No 17 B, 2^nd Floor, West Block III

RK Puram, New Delhi – 110066

CLOSURE OF AOBF SCHEME

Sir,

Since the AOBF scheme has been closed from 31 Dec 2017. my details as under may please be noted for making payment so admissible to me:

Rank	:	Col	Bank Details
Name	:	IM Smart	Name & Address	:	ICICI BANK, Sec-810, NOIDA-201303
Service No	:	IC 19976 M	Savings Account No.	:	234401600543
Date of Retirement	:	30 jan 2001	IFSC Code	:	ICIC0002344
Date of Birth		19 oct 1945	CONTACT DETAILS
Date of Commission		21 June 1968	EMAIL ID		smarty@gmail.com
			MOB		9258678034

Copy of a cheque is printed here in (OR Cancelled enclosed).

Yours ever

(Brig IM Smart)

THE SCHEDULE OF REFUND IS AS UNDER :-

Its done,

Brig NK Dhand

*********************************************

Grant from Army Officers Benevolent Fund (AOBF).
1.    Subscription towards AOBF is mandatory for all Army officers including those on deputation. The existing rate of subscription is Rs. 120/- per month.
2.   All subscribers to the AOBF are entitled to receive either the Platinum Grant or the Demise Grant whichever becomes applicable earlier.
3.   All retired officers are eligible to receive the Platinum Grant on attaining the age of 75 years. However, in case the retired officer passes away before attaining the age of 75 years, his NOK is entitled to receive the Demise Grant. Payments will be made on the following sliding scale based on number of years of Commissioned Service : -

     Commissioned Service as an Officer                Amount in Rupees
     (i)       Below 5 years                                            -        Nil
     (ii)      5 to 10 years                                              -        12,500
     (iii)     10 to 15 years                                            -        25,000
     (iv)     15 to 20 years                                            -        38,000
     (v)      20 years and more                                     -        50,000
4. Officers who have been invalided out during service is entitled to a one time lump sum grant of Rs 50,000/- on attaining the age of 75 years as Platinum Grant or Demise Grant to his NOK in case the invalided out officer died before attaining the age of 75 years irrespective of length of commissioned service.
5. It is incumbent on all officers to file their nomination as per Appendix ‘H’, with the Director, Army Officers Benevolent Fund (AOBF),CW Dte, AG’s Branch, Army Headquarters, Room No 76, West Block –III RK Puram, New Delhi –110066 (Telephone No. 26196217). Changes, if any, will also be intimated as and when they occur.
6. While the Platinum Grant amount of Rs. 50,000/- is subject to income tax, the Demise Grant paid to the Widow is exempted. "

********************************
Appendix ‘H’

NOTE : - THE COMPLETE DOCUMENT INCLUDING THE DRAFT OF LETTER TO BE WRITTEN TO THE AG'S BRANCH ON DEMISE OF THE PENSIONER AS ABOVE CAN BE DOWN LOADED
FROM HERE - CLICK TO OPEN AND DOWN LOAD
VIEW HERE (MOVE TEXT UP WITH MOUSE IN THIS WINDOW BELOW ********

BACK HOME http://signals-parivaar.blogspot.in

Monday, 6 June 2016

TAX EXEMTION FOR PERSONS WITH DISABLITIES

Tax Exemption For Disabled Persons,

The Income Tax Act and the Profession Tax Act provides various income tax deductions under Section 80DD, 80DDB and 80U for differently-abled (disabled and handicapped) people.

Most states in India allow a professional tax exemption for any person suffering from a permanent disability.

Section 80DD
Under Section 80DD the expenses on maintenance/ medical treatment of disabled dependents can be claimed as an income tax deduction. Dependents include spouse, children, parents, brothers and sisters and the income tax deduction is valid only if they have not already claimed a benefit under Section 80U. Income-tax Deduction for expenses for partially disabled dependents (severity 40-80%) is allowed up to Rs.75,000 while it goes up to Rs 1.25 lakh if the dependent is over 80% disabled. The plus side is that even if your actual expenses are lesser than Rs 75000 you can claim a full deduction.

Section 80U

Under Section 80U a mentally or physically challenged person can claim an income tax deduction of up to Rs 75000 provided he/she suffers from over 40% of the identified disabilities notified as per the Income Tax Act. In the case of severe disability of over 80%, the disabled person can claim an income tax exemption up to Rs.125,000.

Disabilities included under Section 80U include blindness, low vision, leprosy-cured, hearing impairment, mental retardation, mental illness, locomotor disability. Documents related to the expenses don’t have to be produced if you are claiming for self.

However, you are required to submit a medical certificate authenticating the disability of the dependent from a certified medical professional to claim an income tax deduction. This certificate is not required at the time of filing taxes but may have to submit to an assessing officer, if demanded.

Section 80DDB

Section 80DDB allows an income tax deduction on expenses incurred on medical treatment of various ailments. This included Neurological Diseases where the disability level has been certified to be of 40% and above (including Dementia, Dystonia Musculorum Deformans, Motor Neuron Disease, Ataxia, Chorea, Hemiballismus, Aphasia, Parkinson’s Disease), Malignant Cancers, Full Blown Acquired Immuno-Deficiency Syndrome (AIDS), Chronic Renal failure, Hematological disorders including Hemophilia and Thalassaemia.

Income tax deduction for any of the above diseases ranges between Rs 40000 to Rs 80000 depending on your age and income tax slab.

UPDATED JUNE 2019 - Read in detail the following web post :-

https://signals-parivaar.blogspot.com/2019/04/income-tax.html

*******   END   *******

ब्रिगेडियर_नरेन्द्र_ढंड
Brig Narinder Dhand,
Founder & Convener
Veteran's Web Portals.

NOTE - Do Join our Email List - Please email your Rank and Name, Regt/Corps , Email ID and Mob Number to our Managing Member at " mgr.sigs@gmail.com " for Registration to receive updates on Veteran's issues regularly.

****************************
************** PLEASE DO WRITE TO US **************

WE WHOLE HEART IDLY WELCOME YOUR COMMENTS , QUERIES, REMARKS AND SUGGESTIONS ONCE THESE ARE PLACED UNDER THE COMMENTS BELOW.

1. Kindly post your remarks under the comments below ending the same with your RANK , NAME and YOUR MAIL ID. Comments posted without your identification, we are sorry, will not be published.

2. Please AVOID EMAILING US unless you have first gone through the post in detail and have worked out the solution on your own.

3. We regret that we have no infrastructure to take on individual tasks on their behalf. Please do not embarrass us by offering donations etc to work for you, we have no commercial leanings.

4. Our aim at SIGNALS-PARIVAAR is to guide so that you can work on it as a "DO IT YOURSELF" exercise. Ours is a "NISHKAAM SEWA" to our Community.

********************************************

Saturday, 14 May 2016

USEFUL INFORMATION FOR VETERANS

USEFUL INFORMATION FOR RETIRED OFFICERS/SPOUSES/NOK

COMPILED BY BRIG L VIJAYAN, SM ( RETD)

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

www.armyveteranscell@gmail.com

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).

(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

Mention the Full Name, Address, age, relationship to yourself of the nominee.
Do not write the nomination in favour of “wife” and “children” as a class. Give their specific names and particulars existing at that moment.
If the nominee is a minor, appoint a person who is a major as an appointee giving his full name, age, address and relationship to the nominee.

(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:-

§ 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.

(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.

(j) Dates of birth, location of Marriage Registration Certificate and WILL.

23. Lease Deed . A comprehensive Lease Deed for renting out your house/premises is at APPX ‘F’.

24. Notice for Non Payment of Rent. When you rent out your building or house, there will be occasions when the tenant fails to pay you the rent as stipulated in the Rent Deed. Then, you have to take recourse to issuing him a Notice for Non Payment of Rent. A specimen is given at APPX ‘G’.

25. A Power of Attorney (Special) is required to be nominated for all purposes including looking after your house and property in your absence. A suggested format is given at ‘H’

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.

(b) Family Pension scheme – 1971

DOCUMENTS TO BE SECURED BEFORE DEATH.

30. While still in good health, make sure you have these documents procured from various agencies, and secured safely.

(a) Primary documents. These include your birth certificate, marriage certificate, PAN card, passport, election ID card and the Aadhaar card. Will be needed when transferring assets to your heirs.

(b) Insurance details. The purpose of life insurance will be defeated if your family is in the dark. Make a list of all the policies, mentioning the name of insurers, policy numbers, insured sums and the tenures.

(c) Pension documents. If you have an NPS account, mention the account number and nomination details. Give the pension account number with your employer.

(d) Property papers. All property-related documents should be in one place. If the property is mortgaged, keep photocopies. Mention the loan account number and the latest outstanding amount. If property is insured, mention policy coverage.

(e) Bank account details. Make a list of various bank accounts, giving the name of the bank, the account number, holding pattern and the nomination details.

(f) Bank locker details. Mention the name of bank, locker number, ownership pattern and whereabouts of the key. Maintain an inventory of items kept in the locker and update every time you operate it.

(g) Demat account details. Give the name of depository partner, demat account number and nomination details. If possible, update the details of the securities in the demat account.

(h) Other investments. Give details of the PPF account and folio numbers of other post office investments. Make a list of mutual fund investments, mentioning folio numbers, ownership pattern and nomination details.

(i) Other investments. If you have taken or given private loans to relatives or friends, mention the amount and the date by when these are payable/receivable.

(j) Online passwords. Though these are to be kept secret, keep a list for emergency reference. Mention the website, the online ID and the password.

‘ACTION ON DEATH’ FOLDER AND ITS CONTENTS

31. Open a folder and title it as ‘ACTION ON DEATH’. This folder will contain all relevant documents, letters and instructions to facilitate appropriate and timely action by the spouse/family members when the time comes.

32. Will. It is always advisable to execute a will. No particular form is prescribed by law. It can be handwritten or typed on thick paper with each page signed by the testator and the attesting witnesses. Registration of the will is optional. The only legal requirements are the testator should be of sound and disposing mind at the time of executing the will, the testator has signed in the presence of two attesting witnesses each of whom will also sign in the presence of the testator and an endorsement to this effect is necessarily made before the signature of the testator after which the attesting witnesses should affix their signatures along with their addresses. A suggested format is given at APPX ‘J’. However legal advice may be taken to prepare the will to suit individual circumstances. It is also necessary to ensure that the nominations and the provisions of the will are consistent with each other.

33. How to make a WILL.

(a) A WILL may be hand written or typed, which is preferable for sake of clarity.

(b) There is no particular form.

(d) Registration of a WILL is not mandatory but desirable to safeguard against loss and fraud. It also obviates the necessity of witnesses to appear in the court at the time of probate of the WILL.

(e) For Registration of the WILL the testator and both the attesting witnesses have to appear, sign and attest the WILL in the presence of the Registrar. Each Individual should carry two copies of recent Photographs.

34. Clauses in a WILL.

(a) Name and address. Here state your name, father’s name and address

including your District.

(b) Reasons and Intentions: Here state necessity or urgency if any for making the WILL.

(c) Sanity and own volition. State that you are making the WILL voluntarily without any pressure and that you are in full control of your mental faculties.

(d) Enumeration of Heirs and Properties. Give names and father’s name of your spouse(s), children, dependent father, mother and unmarried daughter(s).

(e) Bequest. Use clear and unambiguous language in allotting legacies to each Heir. Intention conveyed by the WILL should be clearly defined. Uncertainty of intention renders the WILL Null and Void.

(f) Appointment of Executor(s). Be careful in nominating the Executors. Firstly an executor should be extremely dependable, honest of good health and younger in age and secondly he should be willing to take over the responsibility.

(g) Execution and Attestation. A WILL is to be signed by the testator or his

nominated representative in the presence of the two attesting witnesses, who should sign in presence of each other and say so in writing.

(h) Registration of a WILL. Register only single copy of the WILL to avoid confusion. If WILL has not been registered and one of the witness expires a fresh WILL have to be drawn. Also at the time of probate of the WILL both the witnesses are required to be present in the court. To avoid this registration of the WILL is helpful. If an Executor predeceases the Testator a fresh WILL should be executed. It is advisable to select witnesses and executors of younger age and enjoying good health. Each of them should be willing to undertake the responsibility assigned to him.

(i) Safe custody of a WILL.. For safe custody a WILL should be kept either with the Registrar, the Solicitor, Banker, in your locker, with a dependable friend or in the house at a safe place.

(j) Enforcement of a WILL. A WILL is enforced, either by a Probate or by Letter of Administration (Succession Certificate). In case where witnesses can not be produced in the Court then a Letter of Administration is to be obtained from the District Court.

(k) Probate. To obtain Probate of the WILL, the beneficiary or the Executor should make an application to the District Judge U/S 264 of Indian Succession Act 1925. He may transfer the case to the CJM of competent jurisdiction. In order to obtain the Probate of the WILL, there are two legal requirements. Firstly, to establish in the civil court of law that the WILL in question had been made voluntarily and signed by the deceased person in the presence of independent witnesses. And secondly, to ascertain that there was no subsequent WILL executed by the deceased person. To establish the first requirement the persons who have signed as witnesses are required to appear in the District Court and give evidence to authenticate the WILL, in question. If the WILL has been registered, the appearance of witnesses in the civil court is dispensed with. To establish the second requirement the civil court promulgates notice in Govt. Gazette and in local newspapers To Whom It May Concern to produce before the court within given period, any WILL, if held by any one claiming to be made by the said diseased person. When any other member of the family does not contest the WILL in question, a Probate of the WILL is Ordered by the court. In the circumstances when WILL is not registered and the Witnesses to the WILL have predeceased or not traceable, then the heir has to obtain succession certificate for claiming estate of the deceased.

(l) Obtaining Succession certificate. Where no WILL has been executed, found or produced, a legal heir requires a Succession Certificate to posses the legacy. To obtain a Succession Certificate a legal heir should apply to the Disrict Court to issue it, enclosing original death certificate of the Deceased and proof in support of his claim. The Court may issue notice inviting objections if any from other claimants,returnable within three months.If satisfied the court may appoint an Administrator/Executor to execute the Estate or issue a Succession Certificate to the applicant.

35. Place the following in separate envelopes with the details of the contents written on the envelopes and place the envelopes in the ‘ ACTION AFTER DEATH’ folder.

(a) Original and one copy of the Pension Pay Order (PPO) (the latest) issued by

CDA (Pensions) Allahabad or as applicable to you.

(b) Original and one copy of the bank nomination received from the bank/Pension Disbursing, if applicable.

(d) Make out the letter of ‘INTIMATION OF DEATH’ in required number of copies, including some spare copies, to be completed by filling in the blanks, signed and sent by the spouse when the time comes. Also prepare an envelope of appropriate size for each of these letters and type out or write the corresponding address on the envelope. Serially number the envelopes in the same order as in the distribution list of the letter. Place all these envelopes in the master folder. A specimen of letter of ‘INTIMATION OF DEATH’ is given at APPX ‘K’.

On the occurrence of Death

36. Immediate Action to be taken by Family/Friends.

· If the deceased had registered with an Organ Retrieval Banking Organisation (ORBO) for donation of organs, they should be informed immediately to do the needful.

· Inform relatives and friends.

· Decide the time, date and place where funeral is to be done and inform all concerned including the local unit responsible for providing assistance in organizing funeral services, for necessary action.

· Obtain Death Certificate from the Hospital/Attending Doctor or a Registered Medical Practitioner.

· Arrange a vehicle/Hearse for carrying the body.

· Arrange material required for cremation.

· Obtain cremation certificate from the cremation ground authority.

· The certificates mentioned at (d) and (g) above are to be submitted to Municipal Authorities for Registration of Births and Deaths for issue of the Death Certificate.

· Obtain at least 30 Copies of Death Certificate from the Municipal Authorities for Registration of Births and Deaths. These are required to be submitted with all claims.

37. Intimation of Death. Death of an officer is to be intimated/ informed at the earliest to large number of authorities as per the suggested list given below:-

· In the case of death due to an accident, lodge an FIR at the nearest police station at the earliest. This will be required for claims on Insurance Companies as well as for processing payment of compensation by the concerned authorities.

· AG‟s Branch/MP 5(b), AG‟s Branch/PS-4, AG/s Branch/CW 8 (AOBF) and Army Gp Insurance (for extended life cover).

· PCDA (P) through AG/MP-5 (b).

· Manager of the Bank (Pension Disbursing Authority).

· Directorate of Regt/Corp concerned.

· Regional HQ of ECHS.

· Various clubs for either transfer of membership to the widow or for refund of security deposits.

· Municipal authority for transfer of property tax details/ AWHO/NOIDA Authority etc, as applicable for the transfer of house/flat in the name of the widow and for the change of mutation.

· Telephone authority for transfer of telephone connection.

· Electricity Authority, Water Supply Authority for transfer of name for the Meter Connection.

· Rationing Authority for change of name of Head of Family in the Ration Card. (n) Income Tax Authority for finalizing the tax return of the deceased.

· Bankers for encashment of FDR‟s, Pension, Loans etc.

· Licensing Authority of the Police for transfer of Private Fire Arms.

· LIC/GIC, if applicable, in respect of the insurance policies.

· If proper WILL exists, approach court having jurisdiction for “Probate of WILL”, and Succession Certificate for mutation of property, transfer of shares etc.

· Zila/Rajya Sainik Welfare Board for Widow Identity Card.

· Concerned post Office for settlement of deposits of Saving Bank Account, NSS, NSC, PPF etc.

· Obtain Medical Treatment Entitlement Card (if not earlier obtained by the Officer) from AG/MP-5(b).

38. Death if due to accident or unnatural causes should always be reported to the Police Station in whose jurisdiction the area falls. It avoids lot of troubles later on. In such cases get the autopsy done to establish proper cause of death.

39. Do obtain two ink signed copies of Medical certificate specifying cause of death from the Hospital or the authorized medical doctor. One copy is required by the authorities at the cremation/ burial ground. The other copy is required by the authorities (Registrar of Deaths & Births), who issues Death Certificates. Obtain cremation/burial certificate from the cremation/burial ground.

40. Inform close relatives and friends on telephone.

41. Decide on the timing and venue of funeral.

42. Present the original of the death certificate from the doctor at the funeral place. After cremation/burial has been performed, obtain a receipt to that effect from the person in charge at the funeral place. This is required to be produced when applying for the death certificate from the municipal authorities.

43. Make a copies of the cremation receipt for reference if required later.

44. Apply for issue of Death certificate within 15 days of the death of the pensioner / deceased. In Trivandrum it is issued by the Trivandrum Municipal Corporation. Obtain at least 20 ink signed & equal number of Photo Stat copies duly attested by a class one officer.

45. Normally death certificate is issued in 3 to 4 days. As soon as you get it make several copies of the death certificate, about a dozen or so, as they will be required to be submitted for several purposes.

46. Write to the Pension paying Bank Intimating them of demise of the pensioner, asking them to discontinue the pension of the pensioner and payment of the family pension of the spouse/NOK (give name). Enclose ink signed death certificate & copy of the original P P O having joint photograph of the pensioner & spouse/ NOK. Also state PPO and pension SB Acct Nos.

47. If the Pension Acct is a joint account or the spouse is a nominee in, then it is simpler to operate the same account for family pension, otherwise a fresh SB Acct is to be opened in the same bank. It requires proof of Identity and proof of residence. Photo copy of voter I Card/ PAN card will suffice with three copies of attested photographs.

48. As soon as possible after collecting the necessary documents such as the death certificate, take out from the folder the envelopes serially numbered 1 to--- with addresses already typed / written on them. Date the LETTER OF INTIMATION in each envelope, fill in the blanks as indicated below and sign the letter. · Date and cause of death in para 1. · Death certificate number, date and issuing authority in para2. · Para 4. Retiring pension- at the time of making these instructions, the retiring pension is Rs (basic)------------ pm. If there is no further change till date, enter this amount; if there has been a subsequent revision, enter the latest figure. The PPO Corr mentioned is the latest available. If a Corr has been subsequently issued, add the reference No of the same at the end of this para and also enclose a copy of this Corr in the envelope for Dept of Sainik Welfare. · Prepare each envelope for dispatch by enclosing the documents as mentioned against the addressee in the distribution list of the letter. If feasible, hand over the envelopes to the bank and the Dept of Sainik Welfare and obtain an endorsement of receipt in the master copy. Alternatively send them as well as the letters to AFGIS and CDA by registered post acknowledgement due. The rest of the letters may be sent by ordinary post under certificate of posting. · It may take about 30 to 45 days for the addressees to take necessary action. If after 45 days the required action is not taken by any of the addressees, you may send a reminder. · Keep a copy of any letter sent to these or any other addressees for future reference.

49. Payment of Platinum/Demise Grant. All retired officers are eligible to receive the Platinum Grant of Rs. 50,000/- on attaining the age of 75 years. However, in case the retired officer passes away before attaining the age of 75 years, his NOK is entitled to receive the same amount as Demise Grant from AOBF. While the Platinum Grant amount of Rs. 50,000/- is subject to income tax, the Demise Grant paid to the Widow is exempt from the same. Payment will be made on a sliding scale based on number of years of Commissioned Service. Officers who have been invalided out during service are entitled to a one time lump sum grant of Rs 50,000.00 on attaining the age of 75 years as Platinum Grant or Demise Grant to his nomine in case the invalided out officer dies before attaining the age of 75 years, irrespective of length of commissioned service. In the case of Army Pensioners, write to the A Gs branch (MP-5, CW 4) to update their records and to Pay Platinum Grant if applicable. APPX ‘L’.

50. Notification Of Date Of Birth In The PPO for Additional Pension on attaining 80 Years Of Age By Officer/ Spouse/Family Pensioner. APPX ‘M’

51. If the age was less than 70 years write to Army Group Insurance Fund (AGIF) to make payment of life insurance amount.

52. Improvements in Extended Insurance Scheme of Army Group Insurance Fund. A compulsory Group Extended Insurance (EI) Scheme was introduced in the year 1981 with the aim of providing insurance cover for the death without any maturity benefits for eligible members after retirement/release upto a specified period. It is a term insurance scheme under which in case of death of a member with in the period of cover, the nominee is paid the amount of insurance cover and it has no survival benefits. For this scheme, one-time non refundable single premium is deducted from the maturity amount at the time of retirement/discharge/release from the eligible members. 86. The payment liability is worked on the basis of age of entry, likely mortality of period of cover, rate of interest and total payment liability. The subscription amount along with the interest earned is just adequate to meet the liability of all its members. As the scheme works on a group concept, the premium liability is kept as a low as possible. The scheme for officers and JCOs/OR are worked out and operated separately so that the benefits and subscription of each group remains within that group only. The subscription paid by JCOs/OR does not benefit the officers and vice versa.

53. Survival Benefits. It being a Term Insurance Scheme, the EI Scheme provides purely an insurance cover for death during the period of cover and does not have any survival benefits, i.e. in case the member survives beyond the period of cover, no survival/ maturity benefit is admissible.

54. EI Certificate of Eligible Members. The detail showing period of cover, insurance amount and onetime non refundable premium will be indicated in the EI Certificates issued to the eligible members retiring/released/discharge on and after 30 June 2009.

55. Coverage for Members who Joined the Scheme Earlier. The existing EI cover and period will continue as shown on the EI Certificate issued to members who have retired prior to 30 June 2009. In case the officer had opted, and was covered under the Extended Insurance Scheme, the amount will be paid by AGIF on submission of an application APPX ‘N’.

56. No formal application is required to claim Army Officers Benevolent Fund. Widow / NOK has to intimate death of deceased officer to AG's Branch/ CW8 (AOBF) , who after verifying the records/details will send an amount of Rs. 50,000/- as Demise Grant. This will be based on the letter of intimation of death of pensioner.

57. Return Retired Officers Identity Card to Area HQ ( Int Br) for further disposal.

58. If there are other Insurance Policies, write to them to pay Insurance amount.

59. Write to all banks wherein the pensioner has his accounts to transfer closing balances to the spouse / N O K giving bankers your present address, a/c number, etc.

60. Write to Regional Transport Officer to transfer the Automobile to the NOK.

61. Write to Arms Licensing Authority to transfer the weapon (if any) to the NOK meanwhile deposit the weapon(s) in concerned Police Station, for safe custody. The NOK should apply for Arms License at the earliest.

62. Write to electricity providing agency( KSEB) to transfer the meter in the name of spouse/NOK and start further billing against that name.

63. Write to the telephone providing agency(BSNL) to change the name of the subscriber and transfer the connection to the name of the Spouse/NOK for further billing.

64. If you are in possession of a AWHO dwelling, then apply to AWHO to transfer the dwelling unit to the spouse/NOK. Format for application should be obtained from the AWHO / Welfare Society . The Society has to render No Objection Certificate (NOC).stating that there is no encroachment of common land, No major modification to the approved design and all dues to the Society has been cleared. If not already done you may have to do it before they issue NOC.

65. Write to all the clubs & societies to transfer the membership to the spouse/NOK.

66. Write to all Debtors to clear all dues and make payment to the Spouse/NOK.

67. Clear the outstanding dues if any of the Creditors and credit cards and loans taken if any. Return the credit/debit cards to the Bank concerned.

68. Write to Income Tax authorities intimating death of the Pensioner and to close his Income Tax file and open Income Tax file in the name of the Souse/NOK quoting PAN number of both.

69. Write to the Municipal Authorities to Close Property case file of the diseased person and open it in the name of the spouse/NOK.

70. Approach the district Courts for Probate of the WILL, if it is in possession, otherwise obtain a Succession Certificate.

PROCEDURE FOR CLAIM OF BENEFITS

71. Ordinary Family Pension. The widow should open a Saving Bank Account in her single name, preferably with the same Bank branch from where her late husband was drawing his pension. The details of this Account number are to be sent to CDA (P) in the letter as per the specimen above refers. Parents and brothers /sisters are not authorized ordinary family pension in case of officers who die as bachelors.

72. Grant of Family Pension for life to Handicapped Children. A son or daughter of an officer, suffering from any disorder or disability of mind or physically crippled or disabled, which renders him/her unable to earn a living even after attaining the age of 25 years, is eligible for the grant of family pension to the handicapped child.

73. Dependents Pension. Admissible in case of officers who die as bachelors on account of causes attributable to service. The rate is 50% of the notional amount of special family pension that would have been sanctioned to the widow had the officer been married. Dependent parents and in their absence, dependent brothers/ sisters are eligible for this pension.

74. Canteen / Ration Facilities. Widows of officers are entitled to avail of indigenous canteen stores less specially allocated/ short supply items. For this purpose, the entitled individuals are attached to the nearest station/ unit run canteen as convenient to Station HQ. Similar action is to be taken for drawal of rations, up to permissible scale, on payment, from the nearest sub unit. Ration and Canteen Cards are prepared by the local unit/ Station HQ on the authority of PPO and Identity Card.

75. Legal Assistance. This is being provided to the wives of serving personnel and widows in consultation with legal department of Army HQ. Similar facilities are also available at Command level.

76. Rehabilitation/ Caring Facilities for Veterans. The following rehabilitation/ caring facilities are being run for veterans. Paraplegic Rehabilation Centre (PRCs). at Kirkee and Mohali with a capacity of 109 and 45 beds respectively are being run for rehabilitation of Paraplegic and Tetraplegic ex-servicemen. The addresses of these institutes are as under :-

(a) Paraplegic Rehabilitation Centre ,

Park Road, Kirkee,

Pune (Maharashtra)- 411020.

Tele - 020- 26023191, 020-5803191, Fax - 020-5820505 .

E-mail - pararehab_c@sify.com

(b)Paraplegic Rehabilitation Centre,

SAS Nagar (Mohali) Phase VI,

Dist - Mohali (Punjab)-160055

Tele : 0172-2225352

77. Artificial Limb Centre, Pune. A pioneer in manufacturing superior quality prosthesis, providing training support to needy amputees of Armed Forces. Artificial Limb Centre, PIN 900449, c/o 56 APO

78. Palliative Care Centre, Base Hosp, Delhi Cantt. Established at Base Hospital, Delhi Cantt for serving and ex-servicemen and their dependents suffering from terminal stage of Cancer and other diseases can avail this facility.

Palliative Care Centre,

Base Hosp,

Delhi Cantt.

Tele – 011-25681276 & 37308 (Extn)

APPENDICES

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

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 -

(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.

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.

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)

/ 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

E-MAIL ID – armyveteranscell@gmail.com

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…………….

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

Signature of Witness No. 1 Signature of Witness No.2

Address______________________ Address __________________

12. letter of intimation OF DEATH

From,

(Address)

Tel:........... , Mob-……….. Date:

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 (NOT APPLICABLE )

From,

Smt……………..

W/O Late……………….

(Address)

Tel:..........., Mob-………… Date:

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)

Tel:.......... , Mob-…………… Date:

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,

(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)

Tel:............. , Mob-…………….. Date:

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)

Tel:.................. , Mob-……………….. Date:

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)

Tel:................ , Mob-…………….. Date:

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,

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 -

(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

NOW THIS AGREEMENT WITNESSETH AS FOLLOWS:

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.

5. That the LEASE is renewable at the option of the LESSOR on the following pre-conditions:-

8. That no Electric, kerosene, coal or firewood cooking shall be allowed in the premises of the said House.

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.

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.

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.

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.

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)__________.

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_________________

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Saturday, 14 May 2016

USEFUL INFORMATION FOR VETERANS

· 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 ‘A’

( Ref Para 9(b))

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.

FLASH

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Sunday, 23 October 2016

Wednesday, 19 October 2016

Friday, 16 September 2016

Tuesday, 6 September 2016

Monday, 6 June 2016

Saturday, 14 May 2016

· 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 ‘A’

( Ref Para 9(b))

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.

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 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.

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.