WHAT IS YOUR CONTRIBUTION FOR GETTING O.R.O.P.?

TO CALCULATE YOUR 7 CPC, DELINKING ARREARS, O.R.O.P.ETC., ARREARS AND REVISED PENSION PLEASE VISIT OUR WEBSITE: exweltrust.in

UNITY IS OUR STRENGTH

DEAR VETERANS
OUR UNITY IS VERY IMPORTANT
PLEASE HELP THE POOR JAWANS

THEY ARE MORE IN NUMBER

BRING THEM UNDER YOUR COMMAND
BY LOVE & COMPASSION
THEN YOU SEE HOW
THINGS MOVE WITH THE GOVT


PLEASE THINK IT OVER

7 CPC ORDER HAS BEEN ANNOUNCED BY GOVT.

SOME IMPROVEMENT IN PENSION FOR LOWER RANKS />
ARREARS FROM 01.07.2014.has been paid />
Minimum pension for Sep.Y15 yrs. Rs.17130 />< /> KNOW THE RATES OF DISABILITY PENSIONS

W.E.F.01.07.2014

(FOR PRE 01.01.06)(100%)
READ CDA CIRCULAR 555
Table No.76(FOR 100%)
READ CIRCULAR 555
OTHER RANKS (FOR 100%)
READ CIRCULAR 555

WAR INJURY PENSION
FOR ALL RANKS (100%)
READ CDA CIRCULAR 555

DISABILITY PENSION &
WAR INJURY PENSION
TO BE PAID WITH D.A.

CONSTANT ATTENDANCE ALLOWANCE
FOR ALL RANKS (FOR 100%)
Rs.4500/-W.E.F. 01.07.2014

MINIMUM SPECIAL FAMILY PENSION
Rs.7000/- W.E.F.01.07.2014 for 6 months service

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IT IS BETTER TO KNOW

YOUR PENSION ENTITLEMENTS THAN

YOUR LIQUOR QUOTA

HELP ALL TO GET
CORRECT PENSION FROM BANKS

REMEMBER, THAT OUR DEMAND OF

ONE RANK ONE PENSION

ACCEPTED BY GOVT.Circular issued

But Our demands are not fully accepted

OUR FIGHT CONTINUES

JOIN THE MISSION TO WIN

THERE IS NO GAIN WITHOUT PAIN

LET US FIGHT FOR JUSTICE
OROP MEANS
EQUAL PENSION
FOR EQUAL RANK
GROUP,AND SERVICE
IRRESPECTIVE OF DATE
OF RETIREMENT
WHETHER POST 01.01.2006
OR PRE 01.01.2006

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VISIT www.exweltrust.in

for calculating your OROP arrears

DUAL FAMILY PENSION AGREED BY TN GOVT


"நல்ல நிர்வாகத்தால் வழங்கப்படும்

நீதி தான் உயர்ந்தது.

நீதி மன்றங்களினால் பெறப்படும் நீதிகள்

நிர்வாகத்துக்கு பெரும் அவமானம்

என்பதை நிர்வாகம்

(Ministry of Defence)

நன்கு உணர வேண்டும்."

DE LINKING ORDER ISSUED ON 30SEP16

ARREARS FOR CIR.547,548 & 560 TO BE

PAID TO ALL ELIGIBLE PENSIONERS BY BANKS

தமிழக அரசு இரண்டு குடும்ப பென்சன்

வழங்க அனுமதி அளித்துவிட்டது. செய்தி.

முன்னாள் படை வீரர் குடும்பங்களின்

நலன் காப்பது ராணுவ அமைச்சகத்தின்

தலையாய கடமையாகும்

GOVT. OF TAMIL NADU SANCTIONED

SECOND FAMILY PENSION IS A GOOD NEWS.

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Disclaimer

The postings in this Blog are only the personal opinion and do not necessarily reflect the views of the “indianexserviceman” blog team. These are expressed in good faith for the general welfare of the veterans of the Indian Armed Forces. The contents of this blog are neither for business nor for any commercial gains. Neither the “indianexserviceman” blog team nor the individual authors of any material on this blog accept responsibility for any loss or damage however caused (including through negligence), which you may directly or indirectly suffer arising out of your use or reliance on information contained on or accessed through this blog. All views and opinions presented are solely those of the surfer and do not necessarily represent those of “indianexserviceman” blog team. This is not an official blog site. This blog is run by a team of Air Warriors of the IAF (Veterans). It is not affiliated to or officially recognized by the MOD or AHQ or Air HQ or Govt/State or any other organization.

"நாட்டுக்காக உயிர் நீத்தவர்களை நினைக்காதநாடு இனி யாரும் அதற்காக உயிர் விடும் தகுதியை இழந்துவிடும்."

PENSION GUIDE BOOK IN HINDI AVAILABLE FREE DOWNLOAD. CLICK HERE.

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MESSAGE FOR READERS

"தெரிந்து கொள்ளுங்கள்" என்ற பென்சன் வழிகாட்டி புத்தகம் புதிய O.R.O.P பென்சன் பட்டியலுடன் கிடைக்கிறது. ஒவ்வொரு ராணுவ பென்சனரும் அவசியம் படிக்கவேண்டியது. உங்கள் தேவைக்கு தொடர்புகொள்ள : முகவரி "எக்ஸ்வெல் டிரஸ்ட் " 15 மிலிடரி லைன், சமாதானபுரம், திருநெல்வேலி 627002. போன்:9894152959. 04622575380 தெரிந்து கொள்வது அவசியம். தெரியாது என்பது அவமானம். தெரிந்து கொள்வது கௌரவம்.உங்கள் சரியான பென்சனை தெரிந்துகொள்ள இந்த புத்தகம் உதவும் www.exweltrust.in என்ற இணைய தளத்தை பார்க்கவும்

Friday, August 21, 2009

FAQ ON PENSION MATTERS.

FREQUENTLY ASKED QUESTION & ANSWERS ON PENSION MATTERS.

Scheme for Payment of Pension to Government Pensioners by Authorised Banks
Reserve Bank of India monitors disbursement of pension by its agency banks in respect of all Central Government Departments (except the Department of Post) and certain State Governments. It has been receiving several queries/ complaints from pensioners in regard to fixation, calculation and payment of pension including revision of pension/ Dearness Relief from time to time, transfer of pension account from one bank branch to another, etc. We have analysed the queries/ complaints, rights and duties of pensioners and put the same in the form of answers to these Frequently Asked Questions. It is hoped that this will cover most of the queries/ doubts in the minds of pensioners.

1. Can the pensioner draw his/ her pension through a bank branch?

Yes. Even the Government employees earlier drawing their pension from a treasury or from a post office will have the option to draw their pension from the authorized bank's branches.

2. Who is the pension sanctioning authority?

The Ministry/ Department /Office where the Government servant last served is the pension sanctioning authority. The pension fixation is made by such authority for the first time and thereafter the refixation of pay, if any, is done by the pension paying bank based on the instructions from the Central/ State Government authorities.

3. Is it necessary for the pensioner to open a separate pension account for the purpose of crediting his/ her pension in authorized bank?

The pensioner is not required to open a separate pension account. The pension can be credited to his or her existing savings/ current account maintained with the branch selected by the pensioner.

4. Can a pensioner open a Joint Account with his/ her spouse?

Yes. All Central Government Pensioners (except the pensioners of the Telecom Department) and those State Governments which have accepted such arrangement can open Joint Account with their spouses.

5. Whether Joint Account of the pensioner with spouse can be operated either by ''Former or Survivor" or " Either or Survivor".

The Joint Account of the pensioner with spouse can be operated either by ''Former or Survivor" or "Either or Survivor".

6. What is the minimum balance required to be maintained in the pension account maintained with the banks?

RBI has not stipulated any minimum balance to be maintained in pension accounts by the pensioners. Individual banks have framed their own rules in this regard. However, some of the banks have also permitted zero balance in the pensioners' accounts.

7. Who sends the Pension Payment Orders (PPOs) to the authorized bank branch?

The concerned pension paying authorities in the Ministries /Departments/ State Governments forward the PPOs to the bank branches wherefrom the pensioner desires to draw his/her pension.

8. When is the pension credited to the pensioner's account by the paying branch?

The disbursement of pension by paying branch is spread over the last four working days of the month depending on the convenience of the pension paying branch except for the month of March when the pension is credited on or after the first working day of April.

9. Can a pensioner transfer his/ her pension account from one branch to another branch of the same bank or to the branch of another bank?

(a) Pensioner can transfer his/ her pension account from one branch to another branch of the same bank within the same centre or at a different centre;

(b) He/ She can transfer his/ her account from one authorized bank to another within the same centre (such transfers to be allowed only once in a year);

(c) He/ She can also transfer his/ her account from one authorized bank to another authorized bank at different centre.

10. What is the procedure for payment of pension in the case of the transfer of PPO to another branch or bank, as the case may be?

Pension will be paid on the basis of the photocopy of the pensioner's PPO at the transferee (new) branch from the date of the last date of payment made at the transferor (old) branch. During this time, both the branches (old and new) are required to ensure that all the required documents are received by the transferee branch within the period of three months.

11. Is it necessary for the pensioner to be present at the branch of the bank along with documents for the purpose of identification before commencement of pension?

Yes. Before the commencement of pension, a pensioner has to be present at the paying branch for the purpose of identification. The paying branch shall obtain the specimen signatures or the thumb/toe impression from the pensioner.

12. What is the procedure to be followed by the bank branch if the pensioner is handicapped /incapacitated and is not in a position to be present at the paying branch?

If the pensioner is physically handicapped/incapacitated and unable to present at the branch, the requirement of personal appearance is waived. In such cases the bank official visits the pensioner's residence/hospital for the purpose of identification and obtaining specimen signature or thumb/toe impression.

13. Has the pensioner got right to retain half portion of the PPO for record and to get it updated from paying branch whenever there is a change in the quantum of pension due to revision in basic pension, dearness relief, etc.?

Yes. The pensioner has right to retain half portion of the PPO for record and whenever there is a revision in the basic pension/DR etc. the paying branch has to call for the pensioner's half of the PPO and record thereon the changes according to government orders/notifications and return the same to the pensioner.

14. Whether the paying branch has to maintain a detailed record of pension payments made by it in the prescribed form?

Yes. The pension paying branch is required to maintain a detailed record of pension payments made by it from time to time in the prescribed form duly authenticated by the authorized officer.

15. Can the pension paying bank recover the excess amount credited to the pensioner's account?

Yes. The paying branch before commencement of pension obtains an undertaking from the pensioner in the prescribed form for this purpose and therefore, can recover the excess payment made to the pensioner's account due to delay in receipt of any material information or due to any bonafide error. The bank has also right to recover the excess amount of pension credited to the deceased pensioner's account from his/ her legal heirs/nominees.

16. Is it compulsory for a pensioner to furnish a Life Certificate/Non-Employment Certificate or Employment Certificate to the bank in the month of November?

Yes. The pensioner is required to furnish a Life Certificate/Non – Employment Certificate or Employment Certificate to the bank in the month of November. However, in case a pensioner is unable to obtain a Life Certificate from an authorized bank officer on account of serious illness / incapacitation, bank official will visit his/her residence/ hospital for the purpose of recording the life certificate.

17. Can a pensioner be allowed to operate his/ her account by the holder of Power of Attorney?

The account is not allowed to be operated by a holder of Power of Attorney. However, the cheque book facility and acceptance of standing instructions for transfer of funds from the account is permissible.

18. Who is responsible for deduction of Income Tax at source from pension payment?

The pension paying bank is responsible for deduction of Income Tax from pension amount in accordance with the rates prescribed by the Income Tax authorities from time to time. While deducting such tax from the pension amount, the paying bank will also allow deductions on account of relief to the pensioner available under the Income Tax Act. The paying branch will also issue to the pensioner in April each year a certificate of tax deduction as per the prescribed form. If the pensioner is not liable to pay Income Tax, he should furnish to the pension paying branch, a declaration to that effect in the prescribed form (15 H).

19. Can old, sick physically handicapped pensioner who is unable to sign, open pension account or withdraw his/ her pension from the pension account?

A pensioner, who is old, sick or lost both his / her hands and, therefore, can not sign, can put any mark or thumb/ toe impression on the form for opening of pension account. While withdrawing the pension amount he/ she can put thumb/toe impression on the cheque/withdrawal form and it should be identified by two independent witnesses known to the bank one of whom should be a bank official.

20. Can a pensioner withdraw pension from his/ her account when he/ she is not able to sign or put thumb/toe impression or unable to be present in the bank?

In such cases, a pensioner can put any mark or impression on the cheque/ withdrawal form and may indicate to the bank as to who would withdraw pension amount from the bank on the basis of cheque / withdrawal form. Such a person should be identified by two independent witnesses. The person who is actually drawing the money from the bank should be asked to furnish his/ her specimen signature to the bank.

21. When does the family pension commence?

The family pension commences after the death of the pensioner. The family pension is payable to the person indicated in the PPO on receipt of a death certificate and application from the nominee.

22. How the payment of Dearness Relief at revised rate is to be paid to the pensioners?

Whenever any additional relief on pension/family pension is sanctioned by the Government, the same is intimated to the agency banks for issuing suitable instructions to their pension paying branches for payment of relief at the revised rates to the pensioners without any delay. The orders issued by Govt. Departments are also hosted on their websites and banks have been advised to watch the latest instructions on the website and act accordingly without waiting for any further orders from RBI in this regard.

23. Can pensioners get pension slips?

Yes. As decided by the Central Government (Civil, Defence & Railways), pension paying banks have been advised to issue pension slips to the pensioners in prescribed form when the pension is paid for the first time and thereafter whenever there is a change in quantum of pension due to revision in basic pension or revision in Dearness Relief.

24. Which authority the pensioner should approach for redressal of his/ her grievances?

A pensioner can initially approach the concerned Branch Manager and, thereafter, the Head Office of the concerned bank for redressal of his/her complaint. They can also approach the Banking Ombudsman of the concerned State in terms of Banking Ombudsman Scheme 2006 of the Reserve Bank of India (details available at the Bank's website www.rbi.org.in) This is applicable only in respect of complaints relating to services rendered by banks. For other issues the complainant will have to approach the respective pension paying authority.

25. Where can a pensioner get information about the changes in the pension/ Dearness Relief or any pension related issue?

The pensioner can visit the Official Website of the concerned Government Department as also Reserve Bank of India Website (www.rbi.org.in) to get the information about pension related issues

5 comments:

Bhupinder Singh said...

Very comprehensive and informative.Thanks- Maj. Gen (Retd.) Dr. Bhupinder Yadav

PANKAJ SHARMA said...

Dear Sir, I have a doubt. I was retired from Indian Navy on completion of 15 yrs of service and I am drawing a pension. Subsequently I was selected in State govt job and now they are not paying me the Dearness allowance on my basic pay saying that I am entitled only for one DA. Please clarify the issue.
With regards,

PANKAJ SHARMA said...

Dear Sir, I have a doubt. I was retired from Indian Navy on completion of 15 yrs of service and I am drawing a pension. Subsequently I was selected in State govt job and now they are not paying me the Dearness allowance on my basic pay saying that I am entitled only for one DA. Please clarify the issue.
With regards,

Rigging and Animation Artist said...

Dear sir, Please tell me can SBI bank will accept Suvigya pension Enquiry System? As per Suvigya Pension Enquiry sysytem and ppo No 1994..my mother should get enhanced rate of pension till nov 2014..but bank is giving her normal rate of family pension...from aguust 2011 till now...my father late sub narinder kumar has expired on 30th july 2011...please guide us...

banke lal yadav said...

I 1249158 EX-GNR BANKEY LAL YADAV WAS RELEASED ON MEDICAL GROUNDS IN 1976.AT THAT THERE WAS NO PROVISION FOR FAMILY PENSION ENDORSEMENT.I HAVE APPLIED FOR ENDORSEMENT OF FAMILY PENSION IN LAST YEAR.BUT TILL DATE I COULD NOT GET ANY INFORMATION REGARDING ENDORSEMENT. I WOULD LIKE TO KNOW FROM WHERE I CAN GET INFORMATION REGARDING ENDORSEMENT ?

B L YADAV
KANPUR-UP