न त्वहं कामये राज्यं न स्वर्गं नापुनर्भवम्।
कामये दुःखतप्तानां प्रणिनामार्तिनाशनम्॥
हिमालयं समारभ्य, यावत् इंदु सरोवरम्।
तं देवनिर्मितं देशं, हिन्दुस्तानं प्रचक्षते।।
1. Sri Dinesh khara,
Chairman, SBI,
chairman@sbi.co.in
2. Sri CH SS Mallikarjun Rao,
MD & CEO, PNB
md@pnb.co.in
3. Sri Sanjiv Chadha,
MD & CEO, BOB
md.ceo@bankofbaroda.com
4. Ms.Padmaja Chanduru,
MD & CEO, Indian Bank
cmdsec@indianbank.co.in
5. Sri Raj Kiran Rai,
MD & CEO, UBI
cmd@unionbankofindia.com
6. Sri L. V. Prabhakar,
MD & CEOCanara Bank
mdceo@canarabank.com
7. Sri Parth Pratim Sengupta,
MD & CEO, IOB
cmd@iobnet.co.in
8. Sri A. K. Goel,
Chairman & MS , Uco Bank
md@ucobank.co.in
9. Sri A. S. Sanjeev,
MD & CEO, BM
mdceo@mahabank.co.in
10. Sri Atanu Kumar Das,
MD & CEO, BOI
md.ceo@bankofindia.co.in
11. Sri S. Krishanan
MD & CEO, PSB
cmd@psb.co.in
12. Sri M. V. Rao,
MD & CEO, CBI
chairman@centralbank.co.in
Dear Sirs/ Madam,
It is requested, keeping the ego aside, please consider our following points with a free heart. We have already mailed you regarding our concerns some time ago, but we seem to have failed to impress your mind and soul. We cannot say that there is no place in your mind & heart for human values and sensibilities. Thus, making another attempt.
How far is it fair to deny health insurance to your bank retirees, whom you all now call as Brand Ambassadors?
In the back drop of great contributions that retirees made in post nationalization era by taking banking to the doorsteps of common man of India, mobilizing the idle savings from them and deploying the same in the economic activities of the country, it is not enough to only address them as the Brand Ambassador, but to treat them with some rights & privileges. The question to be asked is whether they are being treated like a Brand Ambassador?
You all know that not a single penny of Welfare Fund is spent on these so called Brand Ambassadors, while they are in greatest need of welfare measures, as they are the victims of economic poverty. They get the pension fixed at the time of retirement, never revised since introduced in 1986. You can imagine, how much pension a retired Brand Ambassador of 1986 would be getting!
You all know what are the aims & objects of noble idea of Welfare Fund introduced by the Government of India. Can you say with confidence that you are really spending the Welfare Fund precisely in fulfilment of welfare measures? Had this been the case, there would not have been such a problem regarding the health security of pensioners.
Please refer to the Department of Financial Services, Ministry of Finance letter No. F. No. .14/7/92-IR (Vol.ll) dated 24.2.2012 and state on what basis did you get the regular workers insured from the Welfare Fund and put the responsibility of paying the health premiums on the retirees? You all knew that retirees are not able to pay insurance premium being too high. Intention behind this obviously has been to put retirees in illness & death.
Pensioners have the rightful share in the Welfare Fund. It were the pensioners contributions which formed the basis of this Fund, but you have striped the pensioners rights. This is a shameful act by all of you; completely condemnable.
The Welfare Fund is not the patrimony of the working executives or personnel. The first right on this belongs to the financially weak people, in which there are pensioners, subordinates, clerks, officers of the lower ranks.
Pensioners cannot be deprived of the benefits of Welfare Funds like this. We request you that keeping in view the seriousness of this matter, please review the policies made on Welfare Fund and first of all ensure minimum health insurance of retirees from Welfare Fund.
Hope, it receives your immediate consideration and decision.
Regards,
(J. N. Shukla)
National Convenor
6.10.2021
9559748834
Copies to:
1. Sister Nirmala Sitharaman,
Hon'ble Finance Minister,
New Delhi
2. Dr. Bhagwat Karad,
Hon'ble State Fin Minister
New Delhi
3. Sri Debashish Panda,
Secretary, Fin Services,
MOF, New Delhi
- Please look into the health issue of retirees. CEOs of PSBs can't be allowed to show such neglect in health matter.
अनुरोध है कि अहंकार को छोड़कर हमारी निम्नलिखित विंदुओं पर खुले मन से विचार करें। हमने अपनी चिंताओं के बारे में आपको पहले भी मेल किया है, लेकिन ऐसा लगता है कि हम आपके मन और मस्तिष्क को प्रभावित करने में विफल रहे हैं। हम यह नहीं कह सकते कि आपके मन में मानवीय मूल्यों और संवेदनाओं के लिए कोई स्थान नहीं है। अत: दोबारा कोशिश कर रहा हूं।
अपने बैंक सेवानिवृत्तियों को, जिन्हें अब आप सभी ब्रांड एंबेसडर के रूप में बुलाते हैं, स्वास्थ्य बीमा से इनकार करना कहाँ तक उचित है? राष्ट्रीयकरण के बाद, बैंकिंग को भारत के आम आदमीं के दरवाजे तक ले जाने, बेकार पड़ी बचत को उनसे संग्रहीत करने और उसे देश की आर्थिक गतिविधियों में प्रायोजित करने के महान योगदान के आलोक में उन्हें ब्रैंड अंबेसडर नाम से संबोधित करना पर्याप्त नहीं है, अपितु उन्हे उचित अधिकार और सहूलियतें भी देना चाहिए। विचारणीय प्रश्न यह है कि क्या उनके साथ एक ब्रैंड अंबैसडर जैसा व्यवहार किया जा रहा है?
आप सभी को ज्ञात है कि कल्याण निधि का एक भी पैसा इन तथाकथित ब्रैंड अंबैसडरों पर खर्च नहीं किया जाता, जबकि कल्याणकारी उपायों की सबसे बड़ी जरूरत उन्हें है, क्योकि वे आर्थिक विपन्नता के शिकार हैं। उन्हें सेवा निवृत्ति के समय तय की गई पेंशन भर मिलती है, जो जबसे लागू हुई है कभी रिवाइज नहीं हुई है। आप देख सकते हैं, 1986 का सेवा निवृत्त हुआ आपका ब्रैंड अंबैसडर कितनी पेंशन पा रहा है!
आप सब जानते हैं कि भारत सरकार द्वारा कल्याण निधि के प्रावधान का उद्देश्य क्या है। क्या आप विश्वास से कह सकते हैं कि आप कल्याण कोष को वाकई उन्ही उद्देश्यों पर खर्च कर रहे हैं? अगर ऐसा होता तो पेंशनरों के स्वास्थ्य सुरक्षा को लेकर इतनी समस्या ही न होती।
कृपया वित्तीय सेवाएं विभाग, वित्त मंत्रालय के पत्रांक F. No. 14/7/92-IR (vol.ll) दिनाक 24.2.2012 का अवलोकन करें और बताएं कि किस आधार पर आपने नियमित कार्मिकों का बीमा कल्याण निधि से कराया और सेवानिवृत्तियों के प्रीमियम के भुगतान की जिम्मेदारी सेवानिवृत्तियों पर डाल दिया? आप सब जानते थे कि सेवानिवृत्ती बीमा प्रीमियम भुगतान करनें में सक्षम नहीं हैं।
कल्याण निधि में पेंशनरों का हक है। पेंशनरों ने ही इसका आधार बनाया, जिस पर इसका प्रावधान हुआ और आज आप सबने पेंशनरों का ही पत्ता काट दिया। यह आप सब की शर्मनाक हरकत है, सर्वथा निन्दनीय है।
कल्याण निधि कार्यपालकों या कार्मिकों की बपौती नहीं है। इस पर सबसे पहला हक आर्थिक रूप से कमजोर लोगों का है, जिसमें पेंशनर्स है, अधीनस्थ है, लिपिक है, नीचले पायदान के अधिकारी हैं।
कल्याण निधि के लाभ से पेंशनरों को इस तरह वंचित नहीं किया जा सकता। हमारी आपसे गुजारिश है कि इस विषय की गंभीरता को देखते हुए, कृपया कल्याण निधि पर बनी नीतियों का पुनरावलोकन करें और सर्व प्रथम रिटायरीज का स्वास्थ्य बीमा कल्याण निधि से सुनिश्चित करें।
उम्मीद है, आप इस पर तत्काल विचार और निर्णय लेगें।
सादर
To
Sri Narendra Modi,
Hon'ble Prime Minister
Govt of India,
New Delhi
Sister Nirmala Sitharaman,
Hon'ble Finance Minister,
Govt of India,
New Delhi
Respected Sir/ Sister,
AN APPEAL
TO SAVE BANK RETIREES
MIRED IN THE WEB OF
ILLNESS & DEATH
Having lost every hope from all concerned, i.e. PS Banks' Executives, Indian Banks' Association & Department of Financial Services, as last endeavour, on behalf of the 5 lakh unfortunate bank retirees of PSBs, we seek your kindness in their health concerns.
The Bankers and their organization, Indian Banks Association, are bent upon to deprive bank retirees from the health insurance cover, as per advice of D.F.S. letter F. No. .14/7/92-IR (Vol.-2) dated 24.2.2012. In DFS letter, it has been advised that the working and the retired employees, both, may be given the group health insurance from the Welfare Fund of the Banks. Though, Banks are paying premium for working employees from WF, but not for retirees.
Insurance premiums have had increased five times in the last 5 years. The insurance premium of Rs.3 lakh cover which was of about Rs.5600 in 2015 has gone up to Rs.33884 today, which is equivalent to three months' pension amount for most of the pensioners. Thus, 80% of retirees have not been able to take insurance as the premium has been unaffordable. Bankers are not helping in any way. DFS is also silent, not getting his advices heeded to, nor telling any reason.
Private sector Federal Bank is offering 70% subsidy on retiree's insurance premium. PSB- Bank of Baroda fixed a subsidy of Rs.3000 in 2015, at that time the premium was about Rs. 5600. BOB never revised it again. In this way the bank retirees are mired in a web of illness and death by Bankers.
Existing group policy term is going to end on 31.10.2021. New Policy Premiums are sky-high. We, therefore, as last resort beg your kind indulgence to save Bank Retirees from illness & death by directing Banks to provide Group Health Insurance from Welfare Funds as advised by DFS.
With Respectful Regards,
(J. N. Shukla)
National Convenor
04.10.2021
9559748834
Copies to:
Dr. Bhagwat Karad,
Hon'ble State Fin Minister
GOI, New Delhi
Sri Debashish Panda,
Secretary, Fin Services
DDS, MOF, GOI, New Delhi
- for favour and support.
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