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Tuesday, December 11, 2018

Are Bank Staff Getting Justice From Union Leaders and From IBA?

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Good morning. Take time to read our history (banking fraternity). The most unfortunate segment of service sector who contributed directly for growth of Indian economy.


Bank Unions redefined trade unionism.  Collective surrendering replaced collective bargaining. Four decades back, the Bank Officer had wages more than Central Government officials. Those who believed in bilateralism allowed unilateralism through Pillai Committee Recommendations in 1979.  Within three and a half decades, the bankers who earlier had higher pay than government employees now get less than 30 to 40 percent than government employees. A unique achievement of unions and associations out of bilateralism for their own benefit!   Bank employees toil hard from dawn to dust for six days a week in hectic mode, cracking their bones and exhausting their brain.  The government counterpart works in a leisurely mode for five days a week. Nationalisation and ownership of banks by government make bank employees its employees who are to be paid out of exchequer.  But as their wage bills are appropriated against the income they generate in banks, government does not pay anything for translating its policies into reality.

The time frame the government gave for next Bipartite Settlement is over. But the settlement is in the air.  Early settlement will reduce the quantum of levy.  There can be no other logical reason for delaying the settlement. .

MoF, GoI had directed IBA to advise all banks to scrap the clause for forfeiture of service from regulation 22 (4) (b) and to give effect to it vide letter F No.4/8/4/95-IR dated 24.12.1997.  The amendment could be given effect to only by giving chance for option to those who missed it earlier being unable to opt on or before 26.01.1996 when the deleted clause was there in the regulations.   Banks that amended the regulation duped the employees by not giving the option, thus defeating the very purpose of the amendment.  Unions / Associations did not know what took place and blinked at it.

The option was later allowed through the Joint Note dated 27.04.2010, purely on unlawful terms. Employees on rolls were subjected to a levy of 2.8 times pay for November, 2007 and payment of a huge CPF balance while their counterparts who opted earlier paying a much lesser contribution in 1996 were given option free of any contribution.   Similar manner of people got discriminatory treatment opposed to the Constitution of the nation!.

For employees retired prior to the date of the Joint Note, unions/associations agreed to a contribution of 56 percent of CPF in addition to refund of CPF paid on retirement for paying them pension from an irrelevant date of 27.11.2009.  When CPF and 56 percent of it, presumably by way of interest for the period the amount was with the employee is paid back, pension, the benefit in lieu of CPF shall flow from the date of retirement and not from 27.11.2009.  A preposterous and irrational conclusion inconsistent with regulation 52 (1) that mandates payment of pension from the day following the date of retirement which is irrational!

Regulation 7 delineates the components of Pension Fund. Pension Funds can receive only these items. It excludes a contribution from the employee other than the initial transfer of his CPF to Pension Fund.  But Banks, with the concurrence of unions and associations, took from their members and former members the contribution of 2.8 times pay and 56 percent of CPF in derogation of the regulation.  Unions and associations agreed with IBA to dupe the employees through the Joint Note.  The statutory regulation does not warrant the contribution and it is refundable to those concerned.

Conclusion 10 of the Joint Note stipulates that IBA shall forward the Joint Note along with a copy of the Pension Regulations to the government for its approval and further action of amending the Pension Regulations pursuant to section 19 of the Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970/1980 (“the Act”).  The further action mandated by sub-section 4 of  section 19 of the Act is placing the Joint Note in both the Houses of the Parliament, as soon as it is signed for a period of 30 days for their nod.  The Joint Note signed on 27.04.2010 is not so far laid in the Houses despite lapse of seven years.  It is on the basis of this dud document that banks raised the unlawful contributions from employees and retired employees and denied pension from the date of retirement to 26.11.2009 abetted by unions/associations.

Regulation 5 (2) makes payment of pension in accordance with the Regulations as the sole purpose of Pension Fund.   Hence Pension Funds cannot pay pension in accordance with the Joint Note to those who have not opted on or before 26.01.1996 i.e. within 120 days of the notification as regulation 3 fixes this date as the time frame for any category of employee to opt for pension.  Any pension paid out of the Pension Fund has to be from the day following the date of retirement as mandated by regulation 52 (1).   Pension paid to the beneficiaries of the Joint Note out of the Pension Funds constituted under the Pension Regulations from 27.11.2009 is a misapplication of Pension Funds.  IBA remains on Achilles’ heels and it is accountable for the erroneous payments, which is mounting month after month.

Regulations 5 (3) and 11 fix the banks as sole contributor to the Pension Fund.  The contribution of 2.8 times pay from employees and 56 percent of CPF from retired employees derogate the regulations. Sub-section 1 of section 19 of the Act permits amendment to a regulation only through notification in the gazette.  The Joint Note is not so far notified.  This apart, sub-sections 1 and 4 prohibit the Boards of Banks from amending a regulation in a way prejudicial to what is done earlier under a regulation. The provisions for paying pension from 27.11.2009 instead of from the day following the date of retirement and the contributions which derogate regulations 5 (3), 11 and 7 makes the Joint Note unfit to be laid in the Houses of the Parliament as they prejudice what is earlier done under the relative regulations. The Joint Note can never ever be laid in the Parliament to give it force of law on account of the prejudicial conclusions.  Pension Regulations are remaining the same as notified on 29.09.1995 and yet the unions and associations remain shy in getting the Pension Regulations enforced for reasons best known to them only.

Pension Funds are built up of contributions which banks were to make previously to CPF pursuant to EPF and Miscellaneous Provisions Act, 1952.  The contributions are the statutorily deferred wages of the employees. It is wages paid and retained by banks and is not the money of banks.   Payment of pension does not bring in any expenditure to banks or to government as it is out of the Pension Fund.    In all Public Sector Banks, Pension Funds are abounding in resources and the denial of due benefits out of them has no raison d’etre.  Instead, it is a crime and an offence to law.

Section 10 (7) of the Act  permits the Boards of Banks  to declare a dividend and to retain surplus profits as accumulated reserves only after making due provision for all legitimate expenses like bad debts, establishment expenses and superannuation funds.  It thus gives a prior charge to superannuation funds over the profits of banks.  Even in case of loss, banks should make due provision to superannuation funds and the remainder alone can be declared as dividends or kept as reserves as it is a statutory obligation.  Whereas banks had been regularly paying dividends, bank employees were plundered. Their salary and terminal benefits are regularly robbed by the banks and IBA and paid to government to pay higher salary to its employees.

Regulation 56 viz. Residuary Provisions underlines that the Bank Pension Scheme is exactly on all fours with the liberalized Central Pension Scheme  by laying down that in case of doubt in the matter of application  of these regulations, regard may be had to the corresponding provisions of Central Civil Service Rules, 1972 applicable for Central Government employees with such exceptions and modifications as the Bank, with the previous sanction of the Central Government may, from time to time, determine. The Central Government has not so far permitted any deviation to any bank from regulation 56 and it is hence imperative that as in the case of Central Government employees whose pension gets revised with each Pay Commission, pension in banks also shall be revised with each bipartite settlement. This is an already sanctioned benefit and not a charity to beg from IBA or government again as if it is not a sanctioned benefit.

Pension Funds has no purpose than payment of pension / family pension. Employees recruited after 31.03.2010 need not be serviced out of Pension Funds as they are covered by PFRDA Scheme. There is huge corpus in Pension Fund of all banks which is the deferred wages of employees.  The annual growth in each bank can foot two to four times the present pension to all the pensioners of all banks.  Even as things go like this, due pension and revision defined by the statutory regulations is denied to the retired bank employee on a fraudulent plea of paucity of funds.  IBA and banks are indulging in a big crime by unlawfully detaining the money in Pension Funds with no intelligent reckoning and unions/associations are abetting the wrong.

The pension denied to retired bankers and the unlawful contributions raised from the beneficiaries of the Joint Note are lying in Pension Funds and earning compound interest to them. Banks run no loss or expenditure in settling all the amounts with such compound interest.  Unions /associations remaining mute on procuring back the money to retired members is absurd.  It takes trade unionism to shame.

C H V was firm on not signing the last Bipartite Settlement unless and until retiree issues are settled. He took a “U” turn and signed it along with a Record Note consenting that there is no contractual relationship for banks with their retired employees. It is true.  There is no contractual relationship.  The relationship is statutory and life-long, arising out of the Bank (Employees’) Pension Regulations.  Payment of due benefits is a statutory obligation even if banks are running in loss.  But even as banks are operating in profits, statutory benefits are denied notwithstanding the fact that such payment brings in zero cost either to the banks or to government. 

Bank Unions might be following the footsteps of the Father of the Nation by practicing Voluntary Poverty.  They advocate it for members only.  From them, they collect subscriptions and levies for selling out their statutorily vested benefits.  This is the present mode of bank unionism.  IBA and unions outpace the British in plundering bank men and operate a slave dynasty in the key industry of the nation.
Unions gave strike call for a day in relation to merger of Associate Banks with SBI, recovery of NPAs, reimbursement of demonitisation expenses to banks etc.  Merger of associate banks was an irresistible issue as it was already decided by the government and Boards. Recovery of NPA is the role of the bank officials for which agitation is meaningless.  Reimbursement of demonitisation expenses could help the bank heads to project higher profits and the gain will go back to the government as dividend.  The strike was entirely in furtherance of absurd demands. The purpose it served was denial of banking facilities to the general public for a day.  The employees lost their salary for a day and it helped bank heads augment their profits! Legitimate labour issues are hidden under the carpet and trivial issues are pushed. 

The banking intelligentsia comprising IBA is in troubled waters for crafting the Joint Note with unsustainable terms with no grey matter is their skulls and are sheltered by the unions / associations that remain reluctant to challenge the agreement which the maker itself has breached through non compliance with its clause 10.  There cannot be a bigger loot than that done by public sector banks through the Joint Note making banks halls of shame especially as the victims are senior citizens in hapless condition who built up the banks and the nation. 

Any union/association worth a pinch of salt and with commitment to members and past members in the industry can come forward and challenge the Joint Note and demand refund of the unlawful contribution raised to Pension Funds and release of pension from the date of retirement to 27.11.2009 to the retired employees or take recourse to organizational methods as it is a just cause.   If they lack spine and nerve at least to conserve and protect the statutorily vested benefits of the members, the right path for them is to consign their flags and banners to flame or abandon them in the Arabian Sea and stop plundering the members through subscriptions and unauthorized levies arbitrarily collected on wage revisions.

Issued in furtherance of natural justice on 17th June, 2017

TCRA 87, SREEVILASAM ROAD, N PARAVUR, KERALA – 683 513  Mob; 9446385945

                     आ नो भद्राः क्रतवो यन्तु विश्वतः- Let noble thoughts come to me from all directions

Regret _पछतावा_ Near Death


आस्ट्रेलिया की ब्रोनी वेयर कई वर्षों तक कोई meaningful काम तलाशती रहीं, लेकिन कोई शैक्षणिक योग्यता एवं अनुभव न होने के कारण बात नहीं बनी।
फिर उन्होंने एक हॉस्पिटल की Palliative Care Unit में काम करना शुरू किया। यह वो Unit होती है जिसमें Terminally ill या last stage वाले मरीजों को admit किया जाता है। यहाँ मृत्यु से जूझ रहे लाईलाज बीमारियों व असहनीय दर्द से पीड़ित मरीजों के मेडिकल डोज़ को धीरे-धीरे कम किया जाता है और काऊँसिलिंग के माध्यम से उनकी spiritual and faith healing की जाती है ताकि वे एक शांतिपूर्ण मृत्यु की ओर उन्मुख हो सकें।
ब्रोनी वेयर ने ब्रिटेन और मिडिल ईस्ट में कई वर्षों तक मरीजों की counselling करते हुए पाया कि मरते हुए लोगों को कोई न कोई पछतावा ज़रूर था।
कई सालों तक सैकड़ों मरीजों की काउंसलिंग करने के बाद ब्रोनी वेयर  ने मरते हुए मरीजों के सबसे बड़े 'पछतावे' या 'regret' में एक कॉमन पैटर्न पाया।
जैसा कि हम सब इस universal truth से वाकिफ़ हैं कि मरता हुआ व्यक्ति हमेशा सच बोलता है, उसकी कही एक-एक बात epiphany अर्थात 'ईश्वर की वाणी' जैसी होती है। मरते हुए मरीजों के इपिफ़नीज़ को  ब्रोनी वेयर ने 2009 में एक ब्लॉग के रूप में रिकॉर्ड किया। बाद में उन्होनें अपने निष्कर्षों को एक किताब “THE TOP FIVE REGRETS of the DYING" के रूम में publish किया। छपते ही यह विश्व की Best Selling Book साबित हुई और अब तक  लगभग 29 भाषाओं में छप चुकी है। पूरी दुनिया में इसे 10 लाख से भी ज़्यादा लोगों ने पढ़ा और प्रेरित हुए।

*ब्रोनी द्वारा listed 'पाँच सबसे बड़े पछतावे' संक्षिप्त में ये हैं:*

1) _"काश मैं दूसरों के अनुसार न जीकर अपने अनुसार ज़िंदगी जीने की हिम्मत जुटा पाता!"_

यह सबसे ज़्यादा कॉमन रिग्रेट था, इसमें यह भी शामिल था कि जबतक हम यह महसूस कर पाते हैं कि अच्छा स्वास्थ्य ही आज़ादी से जीने की राह देता है तब तक यह हाथ से निकल चुका होता है।

2) _"काश मैंने इतनी कड़ी मेहनत न की होती"_

ब्रोनी ने बताया कि उन्होंने जितने भी पुरुष मरीजों का उपचार किया लगभग सभी को यह पछतावा था कि उन्होंने अपने रिश्तों को समय न दे पाने की ग़लती मानी।
ज़्यादातर मरीजों को पछतावा था कि उन्होंने अपना अधिकतर जीवन अपने कार्यस्थल पर खर्च कर दिया!
उनमें से हरएक ने कहा कि वे थोड़ी कम कड़ी मेहनत करके अपने और अपनों के लिए समय निकाल सकते थे।

3) _"काश मैं अपनी फ़ीलिंग्स का इज़हार करने की हिम्मत जुटा पाता"_

ब्रोनी वेयर ने पाया कि बहुत सारे लोगों ने अपनी भावनाओं का केवल इसलिए गला घोंट दिया ताकि शाँति बनी रहे, परिणाम स्वरूप उनको औसत दर्ज़े का जीवन जीना पड़ा और वे जीवन में अपनी वास्तविक योग्यता के अनुसार जगह नहीं पा सके! इस बात की कड़वाहट और असंतोष के कारण उनको कई बीमारियाँ हो गयीं!

4) _"काश मैं अपने दोस्तों के सम्पर्क में रहा होता"_

ब्रोनी ने देखा कि अक्सर लोगों को मृत्यु के नज़दीक पहुँचने तक पुराने दोस्ती के पूरे फायदों का वास्तविक एहसास ही नहीं हुआ था!
अधिकतर तो अपनी ज़िन्दगी में इतने उलझ गये थे कि उनकी कई वर्ष पुरानी 'गोल्डन फ़्रेंडशिप' उनके हाथ से निकल गयी थी। उन्हें 'दोस्ती' को अपेक्षित समय और ज़ोर न देने का गहरा अफ़सोस था।
हर कोई मरते वक्त अपने दोस्तों को याद कर रहा था!

5) _"काश मैं अपनी इच्छानुसार स्वयं को खुश रख पाता!!!"_

आम आश्चर्य की यह एक बहुत ही महत्वपूर्ण बात सामने आयी कि कई लोगों को जीवन के अन्त तक यह पता ही नहीं लगता है कि 'ख़ुशी' भी एक choice है!

काश अपनी इस खुशी की इच्छा को जिंदा रखते


*गृहस्थ बनूँ या साधु ?*

एक व्यक्ति कबीर के पास गया और बोला- मेरी शिक्षा तो समाप्त हो गई। अब मेरे मन में दो बातें आती हैं, एक  यह कि विवाह करके गृहस्थ जीवन यापन करूँ या संन्यास  धारण करूँ? इन दोनों में से मेरे लिए क्या अच्छा रहेगा यह बताइए?

कबीर ने कहा दोनों ही बातें अच्छी है जो भी करना हो,वह सोच-समझकर करो,और वह उच्चकोटि का हो। उस व्यक्ति ने पूछा उच्चकोटि का करना चाहिए। उस व्यक्ति ने पूछा उच्चकोटि का कैसे है? कबीर ने कहा- किसी दिन प्रत्यक्ष देखकर बतायेंगे वह व्यक्ति रोज उत्तर प्रतीक्षा में कबीर के पास आने लगा।

एक दिन कबीर दिन के बारह बजे सूत बुन रहे थे। खुली जगह में प्रकाश काफी था कबीर साहेब ने अपनी धर्म पत्नी को दीपक लाने का आदेश दिया। वह तुरन्त बिना किसी सवाल के जलाकर लाई और उनके पास रख गई। दीपक जलता रहा वे सूत बुनते रहे।

 सायंकाल को उस व्यक्ति को लेकर कबीर एक पहाड़ी पर गए। जहाँ काफी ऊँचाई पर एक बहुत वृद्ध साधु कुटी बनाकर रहते थे। कबीर ने साधु को आवाज दी। महाराज आपसे कुछ जरूरी काम है कृपया नीचे आइए। बूढ़ा बीमार साधु मुश्किल से इतनी ऊँचाई से उतर कर नीचे आया। कबीर ने पूछा आपकी आयु कितनी है यह जानने के लिए  नीचे बुलाया है। साधु ने कहा अस्सी बरस। यह कह कर वह फिर से ऊपर चढ़ा। बड़ी कठिनाई से कुटी में पहुँचा। कबीर ने फिर आवाज दी और नीचे बुलाया। साधु फिर आया। उससे पूछा- आप यहाँ पर कितने दिन से निवास करते हैं? उसने बताया चालिस वर्ष से। फिर जब वह कुटी में पहुँचे तो तीसरी बार फिर उन्हें इसी प्रकार बुलाया और  पूछा- आपके सब दाँत उखड़ गए या नहीं? उसने उत्तर दिया। आधे उखड़ गए। तीसरी बार उत्तर देकर वह ऊपर जाने लगा तब इतने चढ़ने उतरने से साधु की साँस फूलने लगी, पाँव काँपने लगे। वह बहुत अधिक थक गया था फिर भी उसे क्रोध तनिक भी न था।

अब कबीर अपने साथी समेत घर लौटे तो साथी ने अपने प्रश्न का उत्तर पूछा। उसने कहा तुम्हारे प्रश्न के उत्तर में यह दोनों घटनायें उपस्थित है। यदि गृहस्थ बनना हो तो ऐसे जीवनसाथी का चयन करना चाहिये जो हम पर पूरा भरोसा रखे और हमारा कहना सहजता से मानें, कि उसे दिन में भी दीपक जलाने की मेरी आज्ञा अनुचित नहीं मालूम पड़ी ,उसनें व्यर्थ कुतर्क नहीं किया और साधु बनना हो तो ऐसा बनना चाहिए कि कोई कितना ही परेशान करे क्रोध व शोक न हो,हम सहज रहें।

Monday, December 10, 2018

After all RBI Has Surrendered

Christian Mistel came from Dubai . Now Vijay Mallya will come back from London to India. Very soon Nirav Modi will fall in line. All absconders and corrupts will be punished as per law and in accordance with judicial procedure.

Perhaps Modi haters and opponents of BJP who were blaming Modi will now realise their guilt. Modi may not bow down any cheaters. Whosoever he or she may be.

It is Modi that even CBI director had to go and RBI Governor had to submit his resignation. 

Persons who do not work or who are corrupt sitting at top posts are to face the consequences as long as Modi is in power. 

Modi Acts as per his wisdom keeping country, laws and moral in high position and he  is not affected by flatterers as his predecessors.

Some people say economy will collapse. They should keep in mind that country grew at higher rate even after exit of Manmohan Singh and Raghubar Rajan.
Country is above all. A RBI governor cannot keep himself in isolation . He has to work in unison with policy and perception of the government in power.

I hope politicians, media men and journalists who were cursing Modi will now realise their guilt and stop putting false blame on a person like Narendra Modi. 

I hope all defaulters of bank loan will learn lesson from case of Vijay Malya and now repay their dues . Extradition of Vijay Malya will send a warning signs yo defaulters and send good signal for banks whose health deteriorated due to bad corporates and political leaders of UPA rule. There is no doubt in saying that RBI officials and Governor of RBI failed to discharge their duties during tule of Congress Party and UPA.

Friday, December 7, 2018

Truth Of Life. जीवन की खोज

जीवन की खोज

महाराष्ट्र में एक साधु था, एकनाथ। उसके पास एक व्यक्ति बहुत दिनों तक आया। और उस व्यक्ति ने अनेक दफा एकनाथ से बहुत से प्रश्न पूछे। एक बार उसने एक अजीब बात एकनाथ से पूछी, सुबह ही थी और एकनाथ अपने मंदिर में बैठे हुए थे। उस युवक ने आकर पूछा कि मैं आपको जानता हूं, बहुत दिन से जानता हूं और आपको जान कर मुझे कई तरह के विचार मन में उठते हैं, कई प्रश्न उठते हैं। एक प्रश्न मैं हमेशा छिपा लेता हूं, पूछता नहीं हूं, वह मैं आज पूछना चाहता हूं। एकनाथ ने कहा क्या है पूछो? उस युवा ने कहा कि मैं पूछना चाहता हूं, आपका बाहर से तो जीवन एकदम पवित्र है, लेकिन भीतर भी पवित्रता है या नहीं? आप बाहर से तो एकदम ही ईश्वरीय मालूम होते हैं, दिव्य मालूम होते हैं, लेकिन भीतर क्या है? मैं भीतर के संबंध में कुछ पूछना चाहता हूं? भीतर आपके पाप उठते हैं या नहीं? भीतर आपके बुराइयां पैदा होती हैं या नहीं? भीतर आपके विकार उठते हैं या नहीं?

एकनाथ ने कहा कि मैं अभी-अभी बताता हूं, एक और जरूरी बात तुम्हें बता दूं, कहीं मुझे भूल न जाए। कल अचानक मैंने तुम्हारा हाथ देखा तो मुझे दिखाई पड़ा कि तुम्हारी मृत्यु करीब आ गई है। सात दिन बाद तुम मर जाओगे तो यह मैं तुम्हें बता दूं और फिर तुम्हारे प्रश्न का उत्तर दूं, क्योंकि कहीं मुझे भूल न जाए, इसलिए मैं जल्दी बता दूं। एकनाथ ने कहा कि अब पूछो तुम क्या पूछते हो? वह युवक बैठा था खड़ा हो गया। उसने कहा कि मौका मिला तो मैं कल आऊंगा। उसके हाथ पैर कंपने लगे। एकनाथ ने पूछा इतनी जल्दी क्या है, सात दिन हैं, बहुत हैं, इतनी घबड़ाहट क्या है? और मरना तो सभी को पड़ता है। लेकिन वह युवक अब एकनाथ की बातें नहीं सुन रहा था। उसने पीठ फेर ली और वह मंदिर के नीचे उतरने लगा। अभी जब आया था तो पैरों में एक बल था, एक शक्ति थी, एक सामथ्र्य था। अब जब लौट रहा था तो दीवाल का सहारा लिए हुए था। जिसकी मौत सात दिन बात हो, वह बूढ़ा हो ही गया। उसके पैर कंपने लगे सीढ़ियों पर, वह रास्ते पर जाकर गिर पड़ा। बेहोश हो गया, लोगों ने उसे उठाया और घर पहुंचाया। उसके प्रियजन और उसके मित्र इकट्ठे हो गए, सब तरफ खबर फैल गई कि वह आदमी अब मरने के करीब है। सात दिन बात उसकी मृत्यु आ जाएगी।

सातवें दिन संध्या को जब सूरज डूबने को था और सारे घर के लोग रो रहे थे, पड़ोसी इकट्ठे थे और वह युवा बिस्तर पर लेटा हुआ था। एकनाथ उसके घर गए। वे जब अंदर पहुंचे तो वहां मौत का पूरा का पूरा वातावरण था। सारे लोग उनको देख कर रोने लगे। एकनाथ ने कहाः रोओ मत। मुझे जरा अंदर ले चलो। वे भीतर गए और उस व्यक्ति को उन्होंने हिला कर पूछा कि मेरे मित्र, एक बात पूछने आया हूं, सात दिन कोई पाप तुम्हारे भीतर उठा? कोई बुराई, कोई विकार। उस आदमी ने बहुत मुश्किल से आंखें खोलीं और उसने कहा कि आप भी एक मरते हुए आदमी से मजाक करते हैं। तो एकनाथ ने कहाः तुमने भी एक मरते हुए आदमी से मजाक किया था। एकनाथ ने कहा तुम्हारी मौत अभी नहीं आई है, तुम्हारे प्रश्न का उत्तर दिया है।

जिसे मौत दिखाई पड़ने लगे, उसके भीतर पाप उठने अपने आप विलीन हो जाते हैं। विकार शून्य हो जाते हैं। और जिसे मौत दिखाई पड़ने लगे, उसके भीतर एक क्रांति हो जाती है। उसकी संसार के प्रति पीठ हो जाती है। और परमात्मा की तरफ उसका मुंह हो जाता है। एकनाथ ने कहाः तुम्हारी मौत अभी आई नहीं, तुम्हारे प्रश्न का उत्तर दिया है। तुम उठ आओ, घबड़ाओ मत। और एकनाथ ने कहा कि सात दिन बाद मौत हो, या सात वर्ष बाद, या सत्तर वर्ष बाद, क्या फर्क पड़ता है? मौत का होना ही पर्याप्त है, दिनों की गिनती से कोई फर्क नहीं पड़ता है। या कि कोई फर्क पड़ता है? सात दिन बात मौत हो, या सत्तर दिन बाद, क्या फर्क पड़ता है? मौत का होना ही अर्थपूर्ण है। दिनों की गिनती कोई अर्थ नहीं रखती। एकनाथ ने कहाः मृत्यु है, जिस दिन यह मुझे पता चला, उसी दिन जीवन में क्रांति हो गई। उसी दिन मैं दूसरा आदमी हो गया।

जीवन को सामान्य रुप में ही लें क्योंकि जीवन में रहस्य नहीं हैं जिन्हें आप सुलझाते फिरें।
चिंता इतनी कीजिए की काम हो जाए
     इतनी नही की jindagi तमाम हो जाए

*आगे चल कर एक दिन हम सब की यही स्थिति होनी है इसलिए चिंता, टेंशन छोड़ कर मस्त रहें स्वस्थ रहें।*

*यही जीवन है और इसकी सच्चाई भी।*

        आप का जीवन सुखी
         समय अनुकूल हो।

गृहस्थ बनूँ या साधु ?

एक व्यक्ति कबीर के पास गया और बोला- मेरी शिक्षा तो समाप्त हो गई। अब मेरे मन में दो बातें आती हैं, एक  यह कि विवाह करके गृहस्थ जीवन यापन करूँ या संन्यास  धारण करूँ? इन दोनों में से मेरे लिए क्या अच्छा रहेगा यह बताइए?

कबीर ने कहा दोनों ही बातें अच्छी है जो भी करना हो,वह सोच-समझकर करो,और वह उच्चकोटि का हो। उस व्यक्ति ने पूछा उच्चकोटि का करना चाहिए। उस व्यक्ति ने पूछा उच्चकोटि का कैसे है? कबीर ने कहा- किसी दिन प्रत्यक्ष देखकर बतायेंगे वह व्यक्ति रोज उत्तर प्रतीक्षा में कबीर के पास आने लगा।

एक दिन कबीर दिन के बारह बजे सूत बुन रहे थे। खुली जगह में प्रकाश काफी था कबीर साहेब ने अपनी धर्म पत्नी को दीपक लाने का आदेश दिया। वह तुरन्त बिना किसी सवाल के जलाकर लाई और उनके पास रख गई। दीपक जलता रहा वे सूत बुनते रहे।

 सायंकाल को उस व्यक्ति को लेकर कबीर एक पहाड़ी पर गए। जहाँ काफी ऊँचाई पर एक बहुत वृद्ध साधु कुटी बनाकर रहते थे। कबीर ने साधु को आवाज दी। महाराज आपसे कुछ जरूरी काम है कृपया नीचे आइए। बूढ़ा बीमार साधु मुश्किल से इतनी ऊँचाई से उतर कर नीचे आया। कबीर ने पूछा आपकी आयु कितनी है यह जानने के लिए  नीचे बुलाया है। साधु ने कहा अस्सी बरस। यह कह कर वह फिर से ऊपर चढ़ा। बड़ी कठिनाई से कुटी में पहुँचा। कबीर ने फिर आवाज दी और नीचे बुलाया। साधु फिर आया। उससे पूछा- आप यहाँ पर कितने दिन से निवास करते हैं? उसने बताया चालिस वर्ष से। फिर जब वह कुटी में पहुँचे तो तीसरी बार फिर उन्हें इसी प्रकार बुलाया और  पूछा- आपके सब दाँत उखड़ गए या नहीं? उसने उत्तर दिया। आधे उखड़ गए। तीसरी बार उत्तर देकर वह ऊपर जाने लगा तब इतने चढ़ने उतरने से साधु की साँस फूलने लगी, पाँव काँपने लगे। वह बहुत अधिक थक गया था फिर भी उसे क्रोध तनिक भी न था।

अब कबीर अपने साथी समेत घर लौटे तो साथी ने अपने प्रश्न का उत्तर पूछा। उसने कहा तुम्हारे प्रश्न के उत्तर में यह दोनों घटनायें उपस्थित है। यदि गृहस्थ बनना हो तो ऐसे जीवनसाथी का चयन करना चाहिये जो हम पर पूरा भरोसा रखे और हमारा कहना सहजता से मानें, कि उसे दिन में भी दीपक जलाने की मेरी आज्ञा अनुचित नहीं मालूम पड़ी ,उसनें व्यर्थ कुतर्क नहीं किया और साधु बनना हो तो ऐसा बनना चाहिए कि कोई कितना ही परेशान करे क्रोध व शोक न हो,हम सहज रहें।


         आचार्य चाणक्य ने बड़ी महत्वपूर्ण बात कही है जब तक तुम दौड़ने का साहस ना जुटाओगे तुम्हारे लिए जीतना बड़ा मुश्किल होगा। साहसी और प्रयोगधर्मी व्यक्ति को ही जीवन में बहुत कुछ मिला करता है।
         संसार में बहुत लोग असफल हो जाने के डर से प्रतिस्पर्धा में नही पड़ते। यह कहना कि प्रभु ने जो दिया है मै उसमें सन्तुष्ट हूँ। यह संतोष नहीं कमजोरी है, भय है, नकारात्मक संतोष है। अपने आप को विकसित करने से रोक देने जैसा है, फूल को खिलने से रोक देने जैसा है।
         मेहनत और कर्म करने में पूरे असंतोषी रहो। प्रयास की सात्विक अंतिम सीमाओं तक पहुँचो। कर्म के बाद जितना मिले, जैसा मिले, जब मिले, जहाँ मिले उसमें संतोष रखो और प्रभु पर भरोसा रखो।
         कर्म जरूर करते रहो, जीवन में नए रास्ते घर बैठे नहीं मिलेंगे वो कर्म करते-करते नजर आयेंगे। भगवान् को कर्मशील भक्त ही प्रिय हैं।

Tuesday, December 4, 2018

UFBU Call Strike on 26th December

CIRCULAR No.UFBU/2018/21 Date : 4.12.2018
Dear Comrades,

Right from the day the Government of India announced their decision on 17th
September, 2018 to amalgamate Bank of Baroda, Dena Bank and Vijaya Bank, we 
have been holding protest demonstrations opposing this unwarranted move. In a 
country like India, where the Government itself is talking of reaching all people 
under banking system, what we need is expansion of banking sector and not 
amalgamation and consolidation. Banking density in India is one of the lowest in 
the world. There is so much of space for banks to expand and reach all sections 
of the people. Hence merger of Banks or amalgamation of banks with a view to 
consolidate the Banking sector is unnecessary and illogical. 

There is no evidence so far that consolidation of Banks would result in any benefit. 

Even the mega merger of 6 Banks with State Bank of India undertaken last year 
has not resulted in any benefit to SBI. On the other hand, SBI is having 
compulsions of branch closures and restructuring of their operations. SBI is also 
facing enhanced stress of bad loans. It had slipped into losses after the merger. 
We are also witnessing shrinkage in employment potential in SBI because merger has resulted in surplus staff.

Even in the case of Bank of Baroda, Dena Bank and Vijaya Bank, the only major 
problem faced by these Banks is their high level of bad loans. Merger or 
amalgamation is no solution to recover these bad loans. In fact, under the merged 
entity, the recovery is bound to go haywire. 

Unfortunately, the Government is bent on implementing their policy of 
privatization and consolidation of Banks. Despite our strong protests, these three 
Banks are appearing to go ahead with the merger. Hence in order to register our 
protest and to draw public and political attention, UFBU has decided to give the 
call for observing one day strike on 26th December, 2018.

10-12-2018 Letter to Finance Minister
10-12-2018 UFBU to serve Strike Notice on IBA on 10-12-2018

12-12-2018 Display of poster before all bank branches/offices

13-12-2018 Demonstrations before all branches

18-12-2018 Badge Wearing
24-12-2018 Centralised Demonstrations 

26-12-2018 All India Strike

All our unions and members are requested to implement the programmes 
With greetings,
Yours comradely

10 Lac Bank Employees and Officers
Government’s move to merge
Bank of Baroda, Dena Bank and Vijaya Bank
Urgent action is required to recover the 
huge bad loans from Corporate defaulters
Merger of Banks
will not help to recover bad loans

Monday, December 3, 2018

Agitation program Of Pensioners

Ref:201/236 Date : 30.11.2018

The Office Bearers/ Central Committee members/ State Body Chiefs

Dear Sir

             Re: Joint Action Programs of CBPRO & AIBRF

We request you to refer our letter no 2018/119 dated 26.11.2018 addressed to Shri K.V. Acharya, Joint Convener CBPRO advising details of the joint action programs to be organised   at different centres between 15.12.2018 to 15.01.2019

2. We now enclose two communications issued jointly by CBPRO & AIBRF on the proposed joint action programs.

3. The following guidelines may be followed for effective & smooth action programs at different centres

It may be  organised at as many as centres possible.
Date of Dharna programs should be between 15.12.18 to 15.1.2019
Date may be mutually decided by local organisers
On banners & play cards demands of retirees may be mentioned as given in the enclosed memorandum.
Enclosed memorandum may be submitted to the local chapter of IBA/ head of the main bank of the area. Covering letter with the signatures of local organisers may be addressed to the Prime Minister of India through local authorities with the request to forward it to PMO.

Main program will be organised at Delhi & Mumbai during winter session of the Parliament with march to the Parliament and submission of the memorandum to PMO/ DFS. Exact date of these centres will be advised shortly.

We request all our office bearers/ central committee members/ state body chiefs to make the action programs successful and ensure participation of the maximum retirees.

                With Warm Greetings,
                                                                         Yours Sincerely,

                                                                                                       Dated: 29.11.2018
The General Secretary,
All Constituents of CBPRO & AIBRF

Dear Comrade,

Dharna at Large Centres throughout the Country

We refer to our circular no. 007/2018dated 26.10.2018 advising our constituents about the proceedings of a joint meeting of CBPRO and AIBRF held on 24.10.2018. It was decided in the said meeting to hold massive Dharna and Demonstrations in important cities across the country culminating in big Dharna/Demonstrations in Delhi & Mumbai.  Accordingly it has been decided to hold Dharna/Demonstrations at important centres like (1) Kolkata, (2) Chennai, (3) Bengaluru, (4) Hyderabad, (5) Ahmedabad, (6) Cochin, (7) Thiruvananthapuram, (8) Delhi, (9) Mumbai and other State Capitals.

The date for Dharna / Demonstrations at individual centres maybe mutually decided by the leaders of the constituents of CBPRO & AIBRF at respective centres between 15.12.2018 and 15.01.2019. A list of centre wise leaders/organisers of the constituents of CBPRO & AIBRF will be furnished separately to facilitate mutual contacts to successfully hold Dharna/Demonstrations.

  It is also proposed to submit a Joint Memorandum to the Honble Prime Minister and to the head of local chapters of IBA and the MD & CEO of the Bank having head quarters at respective centres.  A copy of the joint memorandum on Pending Issues of Bank Pensioners & Retirees is enclosed for use of the leaders at the designated centres of Dharna & Demonstrations.

We request all our Comrades to participate in Dharna / Demonstrations in large numbers and make it a grand success. The senior leaders at respective centres are specially requested to impart guidance and use their good offices for not only total involvement of the Pensioners & Retirees but also solicit help from all those who are in the position of power and can influence early resolution of our pending issues.

With comradely regards and best wishes for success of Dharna/Demonstrations.

Yours faithfully,
(A.Ramesh Babu)         (K.V. Acharya)              (S.C. Jain)
        Joint Conveners, CBPRO                General Secretary, AIBRF
Encl: Joint Memorandum



Demands of Pensioners Submitted

( A.I.B.P.A.R.C.)
Mobile :9674188524, E-mail :                                                                     
Circular No. 100/18                                                                                    Decdember, 02. 2018

(For circulation among all the members of the Managing Committee as well as
the Governing Council of AIBPARC, Special Invitees, State Secretaries and Advisors of AIBPARC.)

Dear Comrade,


We are reproducing hereunder the text of the above memorandum for information of members. 

With best wishes,




We wish to introduce ourselves as a Joint Coordination of Coordination of Bank Pensioners’ and Retirees Organisations (CBPRO, having 5 constituents viz Federation of SBI Pensioners’ Organisations, AIBPARC, RBONC, AIRBEA and FORBE) and AIBRF representing 100% of the Bank Pensioners & Retirees numbering about five lacs. We have been taking up the grievances of Bank Pensioners & Retirees with Indian Banks’ Association and Department of Financial Services, Ministry of Finance, Govt of India.

  We are committed to the cause of Bank Pensioners & Retirees so as to bring about happiness and cheers on their faces in the evening of their life.  The following issues remain unresolved despite our several requests, reminders and personal meetings with the competent authorities.  We therefore request you to help us in getting these matters resolved early.

Uniform 30% Family Pension :

Family Pension in Banks is payable @ 30%, 20% and 15% of last drawn pay where lower percentage being assigned to higher pay with a specified ceiling on the amount of Basic Family Pension.

The above mythology effectively resulted in the Family Pension working out to nearly 7 to 10% of last drawn pay restricting Basic Family Pension to a meagre sum of Rs. 4,000/- to Rs. 14000/- after attainment of notional age of 65 years by the deceased employee or 7 years from the date of death whichever is earlier.

Government and RBI Pensioners are paid Family Pension uniformly at 30% of last drawn pay without any ceiling.

Un-affordability of proposed improvement in Family Pension is being arbitrarily quoted to deny the benefit despite there being adequate provision made during the service tenure of the employee by the Bank for payment of full Pension to the employee. Thus Family Pension being lesser than the Pension of the Employee, it would involve a negative cost to the Pension Fund.  Hence the contention of IBA/Government about cost consideration defies logical, economic sense, rationality and above all humane consideration.
Family Pension being a highly emotive issue needs to be resolved urgently as assured at the time of last Wage Settlement vide second issue listed in Record Note dated 25th May, 2015.

Updation of Pension:

Pension Regulation 35(1) provided for Updation of Basic Pension and Additional Pension in respect of those Employees/Officers who retired between 01.01.1986 and 31.10.1987 and at the time of introduction of Pension Scheme in Banks during 1995-96 it was so given to them as they alone were eligible for Updation at that stage.

Pension Regulation 35(1) was amended vide Gazette Notification No:9 dated 01.03.2003 providing for Updation of Basic Pension and Additional Pension wherever applicable thus making it an open-ended scheme to provide the benefit of Pension Updation to all Retirees who become eligible on periodical revision of Pay through Industry level Wage Settlements.
IBA/Government has been denying the benefit of Pension Updation despite clear provision in Pension Regulation 35(1) quoting cost consideration.

Pension is a Deferred Wage and a property under Articles 19(1) (f) and 31(1) of Constitution of India and hence a statutory obligation of the Banks which are State within the meaning of Article 12 of Constituents of India.

Pension including updated Pension and Family Pension become payable out of Pension Fund.  The present Pension Fund of the Public Sector Banks including State Bank of India is quite robust and healthy at more than Rs. 300,000 crores  with potential to afford payment of 3 to 4 times of present disbursements on account of Pension and Family Pension.

   In Banks Pension is paid out of Pension Fund which is created by the surrender of the mandated management contribution of Provident fund by the Bank Employees and Officers during their service.  Pension is not paid out of profits but of that fund so created.  Hence payments so to be made as per Pension Regulations will not affect the Balance Sheet of the Banks.  Provision, if any, for Pension Fund is a charge on Profit & Loss A/c and hence is not payable out of net profit of the Banks.  Net profit has to be arrived at only after making all provisions including for payment of Salary and Pension which are statutory in nature.  Statutory payments cannot otherwise also be denied for cost considerations.

Banks have introduced New Pension Scheme for those employees who have been recruited after April 2010 and there is separate Fund created for the same.  This limits the number of Pensioners under Old Pension Scheme and even this number is subject to reduction with every passing year.  Ultimately when all Pensioners die their Pension Fund which is held in Trust shall remain hugely underutilised.  This further strengthens our contention for improvement in pension by periodical updation so that the Pension Fund of the Retired Employees is put to proper and intended use.

100% DA Neutralisation:

Government of India introduced 100% DA Neutralisation in lieu of tapering DA vide 5th pay Commission (1996).  Subsequently 100% DA neutralisation was extended to all Pensioners of the Banks except those who retired before 01.11.2002.  It was on account of wrong interpretation of the provisions of Bipartite Settlement/Joint Note signed during 2005 between IBA and Unions/Associations.

Aggrieved Employees approached the Hon’ble High Courts and were awarded relief but Management of United Bank of India filed SLP in Hon’ble Supreme Court.  During the final hearing and finding merits in the arguments of the Employees, the Hon’ble Judges of Supreme Court observed that they had already passed an adverse order in a similar case and hence reversal of that order could be done only by a larger Bench.  Alternatively the Employees in whose case the adverse order was passed should file a review petition which could be tagged with the case of United Bank after condoning the delay.  Accordingly the review petitions were filed, delay condoned and petitions tagged with the case of United Bank of India.  The Hon’ble Supreme Court yet again passed an adverse order without any justification merely by stating that since earlier appeals of the employees were dismissed, the appeal of United Bank Management is allowed.

The Judgement of the Hon’ble Supreme Court came as a bolt from the blue to the employees.

The Hon’ble Supreme Court based its Judgement on a misplaced ground of arithmetic consideration by stating that the improvement in DA for Pre-November, 2002 Retirees would result in exceeding the Wage Revision load factor of Rs1288 crores and thus may warrant a corresponding downward revision of Basic Pay structure of the employees and Officers which were covered by Wage Revision settlement made effective from 01.11.2002. This was completely wrong consideration as DA did not form part of the components of load factor. The arithmetical error committed by the Hon’ble Supreme Court needs correction.

100% DA Neutralisation to similarlily placed Pensioners is made available to the Pensioners of RBI and LIC of India.  Hence denial to a small section of Bank Pensioners is beyond reasonable comprehension.
Compelling Senior Citizens to knock the doors of judiciary to realise their legitimate claims and aspirations is against the spirit of National Litigation Policy of the Government.

Pension for those who Resigned after completing 20 years of Service:

IBA had been denying Pension option to those who had resigned from the service of the Bank after completing minimum qualifying Pensionable service in the Bank. Aggrieved resignees sought judicial remedy and ultimately in case of the Employees of Vijaya Bank the Hon’ble Supreme Court ordered extension of the benefit of Pension option to the petitioners who were allowed to opt for Pension.

IBA has refused to extend the benefit of the order of the Hon’ble Supreme Court to similarly placed persons in Vijaya Bank and also in other Banks. Expecting every individual to go to Supreme Court and struggle for several years for final judgement is unfair and also against the spirit of Litigation Policy of the Government.

IBA was kind enough to extend the similar benefit to all the compulsorily retired people after few of the compulsorily retired people got favourable judgement from the Hon’ble Supreme Court.  Hence denial of Pension option to resignees is unfair and illogical.

National Litigation Policy:

The policy is a good initiative of Government of India.  But various instrumentalities of the Government including Public Sector Banks which are State within the meaning of Article 12 of the Constitution of India have been driving their Employees/Pensioners to seek legal remedy on settled issues, thereby defying the spirit of Nation Litigation Policy.  Such a situation causes a huge drain on the resources (judicial) of the Government while forcing avoidable financial burden on the Employees/Pensioners.  It is requested to ensure creation of a mechanism for resolving the anomalies created by wrong interpretation of the settlements or the provisions of settlements or wrong implementation and interpretation of various Regulations despite their being subordinate legislation – statutory in nature.

Demand for Negotiating rights with IBA:

It is requested to ensure creation of a mechanism for resolving the anomalies created by wrong interpretation of the settlements or the provisions of settlements or wrong implementation and interpretation of various Regulations despite their being subordinate legislation – statutory in nature. It will also help the Retirees to strive for further improvements wherever necessary.

To obviate and resolve such anomalous situations, we demand the following:
The Organisations of Bank Pensioners and Retirees should be provided a structured forum to discuss their issues with Indian Banks’ Association.

Anomaly Resolution Committee should be constituted to look into the grievances of Bank Pensioners and Retirees.

We also demand that IBA calls us for formal discussion / negotiations for resolution of Pending issues of Bank Pensioners & Retirees before sighing of 11th BPS with the constituents of UFBU.

7:   Reckoning of Special Allowance for Pension & Gratuity:

Last wage settlement dated 25th May, 2015 provided for introduction of a new special allowance carrying DA as applicable on Basic Pay. However the settlement also provided for a negative clause that special allowance shall not be considered for calculation of superannuation benefit viz Pension & Gratuity. This negative clause is illegal and cannot be used to the detriment of Retirees. Not reckoning special allowance for the purpose of calculating superannuation benefit is violative of Pension regulation 2 (s)(a)(ii) which provides that all allowances counted for the purpose of making contribution to the provident fund and for the payment of dearness allowance shall be included as a component of pay.

 It is pertinent to mention hear that provident fund not being contributory does not constitute a benefit to an employee. It leads the payment of dearness allowance as the only benefit available to employees on special allowance as in case of Basic Pay. Under such circumstances a negative clause in the 10th Bipartite Settlement to the effect that special allowance will attract DA but shall not reckon for calculation of superannuation benefits is illegal and contrary to the provision of Pension Regulation 2(s)(a)(ii).

The only purpose of this negative clause was to take away the right conferred under pension regulation 2(s)(a)(ii). It was held by the Hon’ble Supreme Court in case of Pension Civil No:5525 of 2012 filed by Bank of Baroda that by signing a settlement or a joint note there is  no estoppel  as against the enforcement of statutory provisions(Pension Regulations) which could not have been tinkered with in an  arbitrary manner. Extending the same rule of law, the negative clause in the 10th Bipartite settlement/Joint Note about not reckoning special allowance for calculating superannuation benefit is violative of existing pension regulations and hence arbitrary and illegal.

IBA’s Medical Insurance Scheme:

In pursuance of the directives issued by Dept of Financial Services, Govt of India on 24.02.2012, IBA was expected to evolve a Medical Insurance Scheme both for Serving and Retired employees. However IBA evolved a Medical Insurance Scheme for Serving employees providing for its cost to be borne by the Banks where as in case of Retired employees the premium was passed on to the Retirees though there was no such directive in the government communication.

 The medical insurance premium was quite reasonable and also subsidized by many Banks initially but with every successive renewal the premium was increased and subsidy from Banks disappeared. The premium amount which was Rs7500/- in the first year has gone beyond Rs90,000/- for the current year.  The Retirees and Pensioners are rendered helpless to suffer injustice and cannot also go back to their own individual medical insurance policy discontinued after introduction of IBA scheme as they have crossed the minimum prescribed age for obtaining fresh medical insurance cover.

There is urgent need for Banks to bear the entire medical insurance scheme premium charged on IBAs Medical Insurance Scheme and also wave such premium from levy of GST so as to reduce the burden on Banks.
Effective Date of Gratuity Enhancement:
The recommendations of 7th Central Pay Commission to enhance Gratuity from Rs10 lacs to Rs20 lacs for Central Government Employees was accepted and implemented wef:01.01.2016 whereas the payment of gratuity act was amended at a later date and enhanced amount of Rs20 lacs was made effective from 29.03.2018 for the employees other than those working in Central Government.

It astonishes that the Ministry of Labour & Employment has notified 29.03.2018 as the date of effect of enhanced gratuity despite a clear legal opinion from Ministry of Law & Justice, Dept of Legal Affairs that enhancement of gratuity and its admissibility/eligibility from particular date are issues relatable to social beneficial legislation and are to be construed liberally.

 It was further opined that according parity for quantum as well as effective date for employees governed by Payment of Gratuity Act 1972 vis a vis Central Government Employees has rationale and reasonable nexus and hence there appears to be no legal objection if said parity is allowed by Ministry of Labour & Employment. In this background the decision of the government to make the enhancement effective from 29.03.2018 thus hurting the interest of Senior Citizens is beyond comprehension.

There are other pending issues agitating the minds of Bank Pensioners and Retirees and the same are being actively taken up with Indian Banks’ Association for early resolution.  Such issues include grant of stagnation increment to those who retired between 01.11.2012 to 30.04.2015 in terms of 10th Bipartite settlement/Joint Note dated 25.05.2015 as has been allowed to the employees and officers of State Bank of India vide circular dated 18.07.2018 issued by CGM(HR) of State Bank of India, Corporate Office, Mumbai.

We request you to extend necessary help for resolution of these issues by Indian Banks Association/ Dept of Financial Services, Ministry of Finance, Govt of India at the earliest.
(A.Ramesh Babu)       (K.V. Acharya)              (S.C. Jain)
        Joint Conveners, CBPRO                General Secretary, AIBRF

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