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AmVm hr Xþgar ~mV_r. namJ gmd§V ZmdmMm VéU {X. 7 H«$m§{VgoZ am_M§Ð AmR>dbo Owb¡ 2015 bm d`mÀ`m 36 ì`m dfu _¥Ë`ybm gm_moam Jobm. 9 ^«_UÜdZr 9869941691 df} Vmo H$mo_mV hmoVm. gmar _w§~mnwar hmXadyZ gmoS>Umè`m Am{U Visit us at : www.sbipensionerspune.org e-mail : [email protected] August 2015 SAMVAD ^yV-N>namdaMo EoH$dbm nU Ë`mMo {Vbm H$mhrM dmQ>bo Zmhr H$maU amÌr AZw^d `oUmè`m Ë`m AmdmOmH$S>o {VMo bj Zgm`Mo. N>namdaMo ^yV ~mdrg E{àb EH$moUrgeo Mm¡è`mhÎma amoOr _r _w§~B© gmoS>br Aem VèhoZo _mÂ`m _ZmVyZ {ZKyZ Jobo Vo H$m`_MoM! d ~Xbmnyabm amhm`bm Ambmo. Ë`mdoir nËZr gm¡. H$_b, ~miH¥$îU aU{Xdo, ~Xbmnya _moR>r _wbJr AZwn_m, Xþgar _wbJr ny{U©_m d _wbJm {dH«$m§V 9/15 _mo~m. : 9665955691 Ago nmM OU Amåhr Ë`mdoir dmUr AmirVë`m emZ~mJ * * * * * * * * * MmirV amhd`mg Ambmo. Ë`mdoir ~Xbmnya (Hw$iJmd) Ajae: ì`{º${deof lr. d¡Hw§$R> B§Jio IoS>oJmd hmoVo. JmdmV J«m_n§Mm`V hmoVr. ~Xbmnya aoëdo ñQ>oeZ Odi AmR> Xhm XþH$mZo hmoVr. EH$ hm°Q>ob hmoVo. gÜ`mMo d¡embr Amnbo EH$ g^mgX d _mPo {_Ì lr. d¡Hw§$R> B§Jio `m§Zr {WEQ>a 1976 amoOr ~m§Ybo. Ë`m {WEQ>abm n{hbm {gZo_m hmoVm {eQ>rda dmOdboë`m OwÝ`m gw_Ywa qhXr {MÌnQ> JrVm§À`m "Ya_ H$a_'. ~è`mM dñVw `oWo {_iV ZìhË`m. Ë`m Aë~_Mm àH$meZ gmohim à{gÕ dH$sb lr. ^mñH$aamd AmUÊ`mgmR>r _bm H$ë`mUbm Omdo bmJm`Mo. CXmhaU Úm`Mo AmìhmS> `m§À`m hñVo "e¡boe g^mJ¥h' `oWo {X_mImV nma nS>bm. Pmë`mg {Iio, _wbm§Mo H$nS>o, ^mOrnmbm _r H$ë`mU `oWyZ lr. B§Jio AJXr bhmZnUmnmgyZM {eQ>r dmOdV AgV. AmUm`Mmo. {Xdgm _mJo {Xdg OmV hmoVo. IoS>oJmdmVbo Ë`m§Mo dS>rb "AmH$medmUr H$bmH$ma' hmoVo. Ë`m_wio bhmZnUrM dmVmdaU _bm d ~m`H$mobm AmdSy> bmJbo. nwT>o df© XrS> Ë`m§À`mH$Sy>Z "~miH$Sy>' {_imbobo. ZmoH$arÀ`m gwédmVrÀ`m dfmªZ§Va Vo N>namdaMo ^yV nmhÊ`mMm `moJ Ambm. _wbJm amoO H$mimV ~±Ho$Vrb H$m_m_wio Vo eodQ>À`m H$mbI§S>mn`ªV Amåhm amÌr CR>m`Mm. 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V\}$ 48 dmè`mMm PmoV Ambm H$s Ë`m ~m§~yÀ`m \$m§Úm OmoaOmoamV OUm§Zr {eQ>rda (erioda) "gmao Ohm±go AÀN>m qhXmoñVm h_mam' EH$_oH$mda AmnQ>m`À`m. Ë`mVrbM EH$ \$m§Xr H$m¡bm§da ho JrV gmXa Ho$bo. `mMr Zm|X Limka Book of Record Zo AmnQ>m`Mr d Ë`mVyZ Q>U² Q>U² Q>U² Q>U² Q>U² Q>Um Q>U² Agm KoVbr AgyZ lr. B§Jio `m§Zr Ë`mV ^mJ KoVbm hmoVm. lr. AmdmO `m`Mm. _r bj XoD$Z Ë`m \$m§XrMm H$mZmogm KoD$ B§Jio `m§Zr g§JrVjoÌmV ZmdrÝ`nyU© ^a KmVbr `m~Ôb Ë`m§Mo bmJbmo. ~amM doi Vmo AmdmO _r EoH$bm. _mPr nyU© ImÌr A{^Z§XZ d Ë`m§À`m `m joÌmVrb nwT>rb dmQ>Mmbrg _mÂ`m Pmbr H$s amÌr Omo AmdmO `oVmo Vmo `mM \$m§XrMm Agmdm. hm{X©H$ ew^oÀN>m. Ë`m_wio _mPr Ë`m N>namdaÀ`m ^yVm{df`r _ZmV Agbobr O`§V Jmoao, nwUo ^rVr {ZKyZ Jobr. _r ~m`H$mobm hmH$ _mabr. {Vbm Vmo AmdmO 24/15 _mo~m. - 9890062325 2 August 2015 SAMVAD

(Ref : Corporate Centre e-Circular No.CDO/P&HRD-PM/41/2015-16 Dated 12-08-2015 ) RATES OF DEARNESS RELIEF PAYABLE TO PENSIONERS Annexure - I WHO HAVE RETIRED (A) PRIOR TO 1-11-1987 and (B) BETWEEN 1-11-1987 & 31-10-1993 Sr. No. Basic Pension + F.D.R. (as applicable) Dearness Relief for the months from August 2015 to January 2016 (Average Index - 5896) (Slabs -1324) i) Upto Rs.1,250=00 887.08 % of aggregate of Basic Pension & F.D.R. ii) Rs.1,251=00 to Rs.2,000=00 Rs.11,088=50 + 728.20 % of aggregate of Basic Pension & F.D.R. in excess of Rs.1,250=00 iii) Rs.2001=00 to Rs.2,130=00 Rs.16,550=00 + 436.92% of aggregate of Basic Pension & F.D.R. in excess of Rs.2,000=00 iv) Above Rs.2,130=00 Rs.17,117=99 +225.08% of aggregate of Basic Pension & F.D.R. in excess of Rs.2,130=00 DEARNESS RELIEF PAYABLE TO PENSIONERS WHO HAVE RETIRED ON OR AFTER 1-11-1993 UPTO 31-10-2002 Sr. No. Basic Pension Dearness Relief for the months from August 2015 to January 2016 (Average Index - 5896) (Slabs - 1187) i) Upto Rs.2,400=00 415.45 % of Basic Pension ii) Rs.2,401=00 to Rs.3,850=00 Rs.9,970=80 + 344.23 % of Basic Pension in excess of Rs.2,400=00 iii) Rs.3,851=00 to Rs.4,100=00 Rs.14,962=13 + 201.79 % of Basic Pension in excess of Rs.3,850=00 iv) Above Rs.4,100=00 Rs15,466=60 + 106.83 % of Basic Pension in excess of Rs.4,100=00 Dearness Relief payable to Pensioners who have retired on or after 1-11-2002 To 31-10-2007 for the months from August 2015 to January 2016 (Average Index - CPI - for quarter ended June 2015 :- 5896 ; and No.of Slabs - 902) Rate of Dearness Relief on Pension :- 162.36 % of Basic pension (Ignore decimals from 3rd place onwards) Dearness Relief to Pensioners who Retired on or after 1-11-2007 for the months from August 2015 to January 2016 (Average Index - CPI - for quarter ended June 2015 :- 5896 ; and No.of Slabs - 765) Rate of Dearness Relief on Pension :- 114.75 % of Basic pension Ignore decimals from 3rd place onwards) Dearness Relief Payable on e-SBS & e-SBIN Pension for Aug.'15 to Jan. '16 is as per Annex-III Dearness Relief payable to Family Pensioners Annexure - III (i) Dearness Relief for Family Pensioners in respect of pensioners who died or retired (a) before 1-11-1993 (b) on or after 1-11-1993 but before 1-4-1998 and (c) on or after 1-11-2002 will be paid as per the tables given for the pensioners in Annexure-I (given above) (ii) The Dearness Relief of Family Pensioners in respect of pensioners who died or retired on or after 1-4-1998 but before 1-11-2002 will be as per the following Table :- Sr.No. Basic Family Pension Dearness Relief for the months from August 2015 to January 2016 (Average Index - 5896) (Slabs - 1053) i) Upto Rs.3,550=00 252=72 % ii) Rs. 3,551=00 to Rs. 5,650=00 Rs. 8,971=56 + 210.60 % of Basic Family Pension in excess of Rs. 3,550=00 iii) Rs.5,651.00 to Rs.6,010.00 Rs. 13,394=16 + 126.36 % of Basic Family Pension in excess of Rs.5,650.00 iv) Above Rs.6,010.00 Rs.13,849=05 + 63.18 % of Basic Family Pension in excess of Rs.6,010.00 3 August 2015 SAMVAD EH$ A{ÛVr` ì`{º$_Îd : gmoS>Ê`mMo joÌ Agmo H$s AUwñ\$moQ> MmMUr Agmo, S>m°. 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4 August 2015 SAMVAD drUmdmXH$hr hmoVo. {dÚmÏ`mªZm kmZXmZ H$aVmZmM AZ§VmÀ`m àdmgmgmR>r àñWmZ AmÎmmÀ`m {ebm±J Xm¡è`mVrb gwajm OdmZmbm Iyn doi C^o R>odbo. Agbobo nmhÿZ Ë`mÀ`mOdi OmD$Z S>m°. H$bm_ `m§Zr AmñWoZo Ë`mMr S>m°. H$bm_m§À`m ê$nmV AdVaboë`m EH$m gd©JwUg§nÞ {dMmanyg Ho$br, Voìhm Vmo OdmZhr W¸$ Pmbm. Ë`m§À`m boIr bhmZ- A{ÛVr` ì`{º$_Îdmbm, ^maVr` amï´>aËZmbm d "A{¾n§Im'V Wmoa, N>moQ>m-_moR>m, Jar~-lr_§V hm ^oX^md ZìhVm. g§Jù`m§er Vo {dgmdboë`m Amnë`m gdmªÀ`m bmS>Š`m "{_gmBb _°Z'bm ^mdnyU© gma»`mM AmË_r`VoZo dmJV AgV. "_mPr AmR>dU {ejH$ lÕm§Obr! åhUyZM ahmdr' hrM Ë`m§Mr BÀN>m hmoVr. amï´>n{VnXmMr _wXV gm¡. d¥fmbr J§Yo , nwUo. g§në`mda H$nS>o Am{U nwñVH$m§À`m 2 ~±Jm KoD$Z hm Om{Vd§V 8805693592 / 020-24250050 {ejH$ nwÝhm MoÞB©Vë`m Ë`mM EH$m ImobrV amhm`bm OmUma hmoVm. na§Vw {X„rVbm {Zdmg Am{U MoÞB©V WmoS>o _moR>o Ka KoÊ`mgmR>r Ë`m§Mr g_OyV H$mT>mdr bmJbr. am_oœagma»`m IoS>çmVrb embo` {ejUmgmR>r dV©_mZnÌo Q>mH$Ê`mMo H$m_ H$aUmam EH$ Jar~ _wbJm XoemMm amï´>nVr Am{U Mm§XÊ`m§À`m XdmV {^Obr CƒloUrMm EH$ d¡km{ZH$ ~ZVmo, hr Jmoï>M {deof àoaUmË_H$ Amho. JwUJ«mhH$Vm hmhr JwU Ë`m§À`m A§Jr hmoVm. Hw$Ur H$mhr Mm§XÊ`m§À`m XdmV {^Obr ZdrZ Ho$bo H$s Vo bJoM Ë`mMo H$m¡VwH$ H$aV. ""{dÚmÏ`mªZm àý nhmQ>doS>r ñdßZo J§YmV a_br Ho$eamÀ`m {dMmê$ Úm, Ë`m§Zm hdr Vr {ejUmMr emIm {ZdSy> Úm, OoUoH$ê$Z AdKr hidr _Zo &&Y¥&& AmdS>rÀ`m joÌmV _mUgmÀ`m àJVrMm AmboI C§MmdVmo'' Ago S>m°. gmoZ{Xdg hm CJdo KoD$Z H$bm_ `m§Mo _V hmoVo. S>m°. H$bm_m§Mo gJio {ejU ^maVmVM Pmbo àmOº$mMr \w$bo hmoVo. Ë`m§Zm naXoemV AZoH$ _mZmMr nXo {_imbr AgVr; nU VoWo ^mdZm§À`m Vmam OwiwZr Z OmÊ`m_mJo Ë`m§Zm ñdXoemMm OmÁÁdë` A{^_mZ hmoVm. Ë`m§Zr gya _ZrMm \w$bo ZdZì`m à`moJm§Zm àmoËgmhZ {Xbo. Ë`m§À`mV EH$ àM§S> D$Om© Ë`m gwam§Zr hiwM bmObr gigiV Ago. ^maVmbm _hmeº$s ~ZdÊ`mMo Ë`m§Zr ñdßZ nm{hbo. \w$bUmar gw_Zo &&1&& Ë`mgmR>r Vo `wdH$m§Mo àoaUmñWmZ ~Zbo. Jwb~jrMm a§J KoD$Zr àm_m{UH$, {dkmZ{Zð>, amï´>ào_r Am{U ^{dî`doYr àmMr _Ywa hgbr bmoH$ZoVm VéUm§Zm hdm hmoVm. na§Vw XþX}dmZo ho amOH$s` ^«_am§À`m àVrjoV _J bmoH$m§Zm H$Yr H$iboM Zmhr. EH$m AWm©Zo Ë`m§Mo gÎmmñWmZ gd©M ~mJ a_br Ë`m AmeoMm a§J {hadm àVrH$mË_H$ hmoVo. `m gÎmoMo nmofmIr ñdén Xÿa H$ê$Z S>m°. KoD$Zr gObr nmZo &&2&& H$bm_ bjmdYr ^maVr`m§À`m WoQ> öX`mV CVabo. C_Q>bo __ _ZXn©Ur Aem Á`oð>, loð>, AmXaUr`, H${d_ZmÀ`m d¡km{ZH$mg {MÌ {ZgJm©Mo VgoM _wbm§À`m H$bm_MmMm§Zm OJ^amVrb AZoH$ _mÝ`dam§Zr ^mZ hanbo nmhþZr gw§Xa lÕm§Obr dm{hbr. n¡H$s ^maVmMo n§VàYmZ Za|Ð _moXr a§J MamMamMo åhUVmV, ""S>m°. AãXþb H$bm_ ho amï´>aËZ hmoVo. Ë`m§Zr XoemgmR>r Ë`m ZeoVM WaWaVr bd nm{hbobr ñdßZo àË`jmV CVadUo hrM Ë`m§Zm dm{hbobr Iar Hw$gw_m§Mr Vr VZo &&3&& lÕm§Obr R>aob.'' H$io Z H$Yr _r H$Q>mjm§Mm S>m°. H$bm_ ho {d{dYm§Jr OrdZ OJbo. Ë`m§À`m øm bj dm{hbm Hw$Um gd©JwUg§nÞVoV {dkmZào_mMo EH$ g_mZ gyÌ àH$fm©Zo ^oQ> {_imbr Ooìhm _Obm gm_mdbobo hmoVo. Vo H$YrM H$_r Pmbo Zmhr. Ë`m ào_mMmM EH$ ZOaoMm ZOamUm AdVr^dVr bmI \w$bbr Am{dîH$ma hmoVm, {dÚmÏ`mªer Jßnm. Aem `m JßnmVM Ë`m§À`m Ho$dS>çmMr ~Zo &&4&& Am`wî`mMr "B{Vlr' ìhmdr hmM EH$ {dbjU `moJm`moJ Amho. gX¡d {ejH$m§À`m ^y{_Ho$V AgUmao S>m°. H$bm_ `m§Zr ho 11/14 gm¡. C‚dc a. ~«÷m§S>H$a, _w§~B©

5 August 2015 SAMVAD

[For Information of our readers, we are publishing hereunder a letter dt. 31.03.2015 from G.O.I., to S.B.I., Bank's reply dt. 27.04.2015 to G.O.I., and our Federation's letter dt. 06.07.2015 to the Chairman, S.B.I.] * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * The Chairman No.4/8/6/2006-IR (Vol II) State Bank of India Government of India Personal Management Department-Human Resources, Ministry of Finance Corporate Centre, State Bank Bhawan, Department of Financial Services Madame Cama Road, Dated, the March 31st 2015 Mumbai – 400 021.

Sub: Pension payments, fixation of pension ceiling-Bipartite Settlements re-alignment of effective date vis-à-vis ceiling in SBI-reg. Madam, I am directed to refer to SBI’s letter No.CDO/PM/16/SPL/2082, dated 27.01.2015 on the subject mentioned above and to say that the matter has been re-examined in this Department and the same has not found favour with the Government. 2. SBI may adhere to the existing provisions of SBI Employees’ Pension Fund Regulations. 3. This has the approval of the Competent Authority. Yours Faithfully, (Manish Kumar) Under Secretary to the Government of India * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * The Joint Secretary, 27th, April 2015, Government of India 7, Vaishakh1937(S), Ministry of Finance, CDO/PM/SM/16/SPL/208 Dept. of Financial Services, Jeevan Deep Bldg. Parliament Street, New Delhi – 110 001.

Dear Sir, PENSION PAYMENTS FIXATION OF PENSION CEILING – BIPARTITE SETTLEMENTS RE-ALIGNMENT OF EFFECTIVE DATE VIS-A-VIS CEILING We refer to GOI letter No.4/8/2006-IR (Vol II) dated 31.03.2015. 2. In this connection, we advise that Bank is strictly adhering to the provisions of SBI Employees’ Pension Fund Regulations (SBI EPFR) and our recommendations for re-alignment of pension ceiling are also in conformity with the extant provisions. As a matter of fact, our proposal for re-alignment of pension is not only for removing the prevailing anomalies in respect of certain categories of pensioners but also for moving a step forward towards adherence of Pension Regulations. To elaborate further, 6 August 2015 SAMVAD we invite a reference to the extant provision vide Regulation 23(i) of SBI EPFR which reads as follows: “Regulation 23. Computation of pension – (1) Subject to the provisions of sub-regulations (2) and (3), the pension payable under regulation 22 shall be the amount calculated at the rate of one-sixtieth part of every year's pensionable service of the average monthly substantive salary drawn during the last twelve months' Pensionable service.” The prevailing pension ceilings of these pensioners are not in conformity with the above provisions and they have been receiving pension calculated on the pre-revised scale of pay even though they have received the arrears for salary revisions as per relevant bipartite wage settlements. As such, in these cases basic pension has not been calculated at the rate of one-sixtieth part of every year’s pensionable service of the average monthly substantive salary drawn during the last twelve months’ pensionable service due to non-revision in pension ceiling and/or revision in pension ceiling not in alignment with the effective date of relevant bipartite settlements. Detailed positions have been placed in the Annexure – I to IV. 3. In view of the above, we renew our recommendations as hereunder and would like to have GOI approval in the matter. I.Pension ceiling in contravention of the provisions in Regulation 23 of SBI Employees Pension Fund Regulations (SBI EPFR): a) 5th bipartite settlement – The ceilings of monthly pension in respect of the pensioners who retired during 01.11.1987 to 31.10.1992 are not aligned to their last drawn salary as per 5th Bipartite Settlement and these should have been revised from Rs.2,400/- p.m. to Rs.3,775/- p.m. (50% of the salary of highest scale during 5th Bipartite). b) 7th bipartite settlement – The pension ceiling of 7th bipartite retirees is linked to the pre-revised pay scale (i.e the pay scale of 6th Bipartite). The Pension of the 7th bipartite retirees is required to be indexed to their last drawn salary w.e.f. 01.11.1997 and computed on the basis of average of the last 12 months’ salary. II. Revisions in pension ceiling not concluding with the date of salary revisions: a)6th bipartite settlement – Although 6th bipartite wage settlement was made effective from 01.11.1992, the pension ceiling was revised to Rs.4,250.00 w.e.f. 01.11.1993. The ceiling of 6th bipartite retirees of the period 01.11.1992 to 31.10.1993 has remained at Rs.2,400/- i.e. they are drawing pension lesser than 50% which should have been Rs.4,250/-. As scuh, pension ceiling in respect of the retirees pertaining to the period from 01.11.1992 to 31.10.1993 is required to be revised to Rs.4,250/-. b) 8thbibartite settlement – Following 8thbibartite wage settlement, effective from 01.11.2002, the pension ceiling was revised w.e.f. 01.05.2005. The ceiling of 8th bipartite retirees of the period 01.11.2002 to 30.04.2005 is required to be indexed to their last drawn salary and computed on the basis of average of the last 12 months’ salary so as to pass on the benefit of revision of pension ceiling which came into effect from 01.05.2005.

Yours faithfully Sd/- Ashwini Mehra Dy Managing Director & Circle Development Officer Encls: Annexure I to IV

7 August 2015 SAMVAD

8 August 2015 SAMVAD

9 August 2015 SAMVAD

10 August 2015 SAMVAD

11 August 2015 SAMVAD Date 06.07.2015 The Chairman, State Bank of India, Mumbai - 400 021 Respected Madam, We are very much thankful to you for sparing your precious time for our meeting with you today. We convey our grateful thanks to you for your kindness in honouring the senior pensioners of our Bank aged 80 years and above on 1-07-2015 with a goodwill package. 2. We are well aware of the efforts being taken by our Bank for removal of some of the anomalies in the payment of our pension. We are much disappointed that due to the negative response of the Government, these efforts to provide some relief to the affected pensioners have not so far been successful. The deprivation caused to the seventh bipartite continues. We therefore respecfully seek your personal intervention in this regard for bringing the much needed relief immediately to the ageing seventh bipartite pensioners, most of whom are seventy five years old. 3. Due to cost constraints reportedly faced by some of the member Banks of I.B.A., 100% neutralization of dearness relief to pre 1-11-2002 pensioners and up gradation of basic pension by merging dearness relief up to 4440 points and the much needed improvement in family pension at 30% of uniformly could not be provided along with the 10th Bipartite Settlement concluded on 25-05-2015. We therefore request that these improvements may be provided by our Bank taking a stand independent of I.B.A. on the same lines as provided by R.B.I. 4. We request that the review of REMBS and the introduction of Medical Insurance Scheme for retirees of our Bank may be made in consultation with our Federation. Yours Sincerely, sd/- General Secretary - Federation of SBI Pensioners' Associations. (P.P.Sankaranarayana Murthy) * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * Ywio `w{ZQ> dmVm© : XdmImÝ`mMo CX²KmQ>Z à{VgmX {X. 5 Am°JñQ> 2015 amoOr, Am¡a§Jm~mX PmoZb g~ "g§dmX' OyZ 15 _Yrb g§nmXH$s` IynM AmdS>b§. g|Q>aÀ`m dm{f©H$ gd©gmYmaU g^oMo Am¡{MË` gmYyZ Ywio `oWrb Am`wî`mÀ`m CVaUrda H$Yr H$Yr g§Ü`mN>m`m {^ddV AgVmV. XdmImÝ`mMo CX²KmQ>Z _mZZr` lr. Zdb{H$emoa {_lm (Cn_hmà~§YH$, Am¡a§Jm~mX PmoZb Am°\$sg) `m§À`m ew^hñVo Aem doir Ago gH$mamË_H$, àoaUmXm`r {dMma _Zmbm d lr. gw{Zb XodioH$a (ghmæ`H$ _hmà~§YH$ Ama. ~r. Amo. COidyZ Q>mH$VmV. Amnbm "g§dmX' IamoIarM _Zm_Zm§er Ywio) `m§À`m CnpñWVrV CËgmhmV nma nS>bo. hm XdmImZm g§dmX gmYUmam Amho. Amåhm noÝeZg©gmR>r Cn`wº$ Aer gwê$ H$aÊ`mgmR>r Odi Odi 3 dfmªnmgyZ lr. gmho~amd gJir _m{hVr nwadUmar hr J¥hn{ÌH$m g§J«h H$ê$Z XogmB©, (AÜ`j, Am¡a§Jm~mX PmoZb g~ g|Q>a) d lr. ZmJoe R>odÊ`mOmoJrM Amho. "g§dmX'_Ü`o AmnU gm{hË`mbm dmd Omoer (g{Md, Am¡a§Jm~mX PmoZb g~ g|Q>a) `m§Zr nmR>nwamdm {Xë`m_wio dmMH$m§M§ kmZa§OZhr hmoV§. "g§dmX'À`m nwT>rb Ho$bm. `m H$m`©H«$_mg ho XmoKohr, VgoM lr. {dbmg J§Yo (gH©$b g{Md), lr. M§ÐH$m§V Hw$bH$Uu (AÜ`j - nwUo PmoZb g~ dmQ>Mmbrg ew^oÀN>m! g|Q>a) d Ywio `w{ZQ>Mo AZoH$ H$m`©H$V}, noÝeZg© d ~±Ho$Mm gm¡. gwf_m {Vido H$_©Mmar dJ© B. CnpñWV hmoVo. - goH«o$Q>ar \$m|S>m (Jmodm) 12 August 2015 SAMVAD

(We are publishing for your information the following letter sent by our Federation on the Apex Level Co-ordination of the organizations of the Pensioners and Retirees of Banks.) - Secretary ''CO-ORDINATION OF THE FIVE APEX LEVEL ORGANIZATIONS OF THE PENSIONERS AND RETIREES OF BANKS.'' We are happy to advise our members that at the initiative of our Federation, a meeting for bringing together the major apex level organizations of the Bank pensioners and retirees was held on 28-07- 2015 at New Delhi. The following Federations of Bank Pensioners and Retirees attended this meeting. i) Federation of State Bank of India Pensioners' Associations ii) All India Bank Retirees' Federation iii) All India Bank Pensioners' & Retirees' Confederation. iv) Retired Bank Officers' National Confederation and v) All India Retired Bank Employees' Association All the participants unanimously agreed on forming a co-ordination of all the above five Federations in the name of ‘Confederation of Bank Pensioners and Retirees Organizations (C.B.P.R.O) with the following objectives. a) To remove the discrimination caused in the payment of dearness relief to pre 1-11-2002 pensioners. b) To secure the upgradation of basic pension / family pension by merging dearness relief neutralized with 100% up to 4440 points as on 31-10-2012. c) To secure family pension at 30% of pay uniformly to all on the same basis as followed by Reserve Bank of India. To remove the extant ceiling on family pension of Rs. 5,930/ and Rs.9, 284/ on Ninth and Tenth bipartite pay scales respectively, pending consideration of this proposal, d) To take steps for securing improvements as obtaining in the Pension Scheme of Reserve Bank of India e) To secure the updation of pension on every revision for meeting aging needs of Bank pensioners. f) To secure improvements in medical facilities to the pensioners and family pensioners. g) To take steps for strengthening the Pensioners / Retirees Movement in the Banking Industry by mobilizing more members and by bringing together the multiple organizations of Bank pensioners / retirees in each Bank if any and h) To serve the ageing members of our society and co-ordinate with similar organizations in the service of the aged and i) To secure pension option for the resigned and all left overs with eligible pensionable service. A joint Action Committee of the above confederation will be formed at the next meeting to be held during this month and an action plan for achieving the above objectives will be finalized.'' Regards, P.P.S.Murthy General Secretary, Federation of SBI Pensioners' Associations 13 August 2015 SAMVAD

[We are publishing hereunder a copy of letter dt. 12.06.2015 addressed to I.B.A. by A.I.B.O.C. Though AIBOC have appropriately covered all the important aspects with pertinent explanations, our only question to them is that why this wisdom was not shown by them before signing the Record Note on 25.05.2015. What is the use of closing the stable door after the horse has bolted? - Secretary] * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * A COPY OF THE LETTER DATED 12-06-2015 ADDRESSED BY AIBOC TO IBA. “RE: JOINT NOTE ON SALARY REVISION FOR OFFICERS RECORD NOTE ON THE ISSUES OF BANK RETIREES

We invite reference to the Record Note dated 25.05.2015 jointly signed by the representatives of IBA and all the 9 Unions/ Associations of Bank Employees/ Officers on the issues pertaining to Bank Retirees along with Joint Note on Salary Revision. 2. While the above Record Note incorporates some of the demands of Retirees referred to in the Charter of Demands and discussed by officers organization with IBA during the process of discussion and IBA’s response there to, we would like to put the records straight by furnishing in brief our view point as under on IBA’s response: (a) At the outset we do not accept that no contractual relationship exists between Banks & Retirees and that their demands can be examined only as a “Welfare Measure”. We maintain that payment of Pension cannot be construed as a mere Welfare Measure. As a matter of fact, there are several court judgments upholding that pension is a deferred portion of the compensation for the service rendered. In landmark “Nakara Case”, the Hon. Supreme Court has held that “Pension is a statutory, inalienable, equally enforceable right that has been earned by the sweat of brow. As such it should be fixed, revised and modified / changed in the ways not entirely dissimilar to the salaries granted to serving employees.” (b) Besides, the Pension Regulations have been framed under section 19(1) of Banking Companies (Acquisition & transfer of undertakings) Act 1970/1980 and as such the relationship between Banks & Retirees is a statutory one. (c) Officers’ Service Regulations / Bi-partite Settlement provisions for workmen, inter- alia, provide for post- retirement benefits including Pension / PF / Gratuity etc. These are in the nature of statutory obligations on the part of Banks. In these circumstances, how can it be inferred that there is no contractual relationship between Banks & Retirees / Pensioners? Moreover in case of officers, Officers’ Service Regulations / Disciplinary Rules providing for disciplinary proceedings after retirement will lose the test of validity before law in the absence of contractual relationship. (d) Like wise in the absence of any contractual relations with Pensioners, clause 48 of the Pension Regulations 1995 i.e. right to proceed against retired employees will also not have any sanctity. (e) As regards comparison with Central Government Pension Scheme, we specifically bring to your notice that Pension Regulations under the head Residuary Provisions, specifically stipulates that “in the matter of application of these Regulations regard may be had to the corresponding provisions of Central Civil Services Rules 1972 or Central Civil Services (Commutation of Pension) Rules 1981 applicable for Government Employees with such modifications as the Bank with previous sanction of Central Government, may from time to time determine”. It is clearly understood that Bank Employees Pension Scheme has been drawn primarily on the basis of Pension Scheme applicable to Central Government Employees/ RBI Employees. Hence comparison with the Central Government Employees pension Scheme is not out of Place. 14 August 2015 SAMVAD 3. Referring to IBA’s response to the demands referred to in the Record Note, we have to state as under: (a) While on several aspects of pension improvement, IBA has been repeatedly forwarding the plea of cost burden but at no point of time during negotiations, authentic data has been presented in support of its contention. On the contrary, authentic pension fund data categorically reveals that as on 31.03.2014, the corpus of Pension Fund stood at about Rs.1,14,000/- crores. More importantly Pension Funds of Banks are in surplus consecutively over the years and such surplus is growing year by year despite the fact that Banks have failed to provide for the required sum in pension funds as agreed in Bipartite Settlements. Under these circumstances, demands of retirees for improvement in Family Pension in line with RBI, 100% DA neutralization to pre Nov 2002 retirees as also updation of Pension, cannot be delayed / denied. (b) We may point out that Bank Employees Pension Regulations specifically provide for updation of Pension. We invite reference to Regulation 35 (1) thereof which reads as under; “Basic Pension and additional pension wherever applicable shall be updated as per formula given in Appendix I” As a matter of fact, such updation has already been given effect earlier for the pensioners retired prior to 01.11.1987, who were positioned on par with retirees under 01.11.1987 Wage Settlement. In view of the above, updation of Pension has a statutory basis and it becomes a statutory obligation. (c) In the matter of 100% DA neutralization for retirees prior to 01.11.2002 for which IBA was positive during discussion, there have been several speaking judgments and favourable court orders. Though the matter is still sub- judice, IBA should settle the matter positively so that the expensive litigation can be put to rest once and for all. But waiting for conclusion of court proceedings will only add to the delay denying justice to pensioners who are above the age of 72-75 years and are anxiously waiting for the justice. (d) The issue of Pension to left overs also a vital one. The category of those retired compulsorily and the resignees have been denied benefits due to strict interpretation of instructions from the Government in June, 2012. Existing Pension Regulations categorically provide for pension to those compulsorily retired from service. Denial of pension option to them is violative of the very existing Pension Regulations itself. Denial of Pension option to Resignees has also been tested through litigation and several judgments including the one in Vijaya Bank Case,is a clear pointer that they cannot be denied pension after the stipulated period. In fact consequent upon such court verdict, several resignees have already been conceded the benefit of pension option. It is also pertinent to note that the number of those retired compulsorily as also those resigned from Banks (after putting in requisite pensionable service) is very small and the cost cannot stand in the way of extending benefits to them. (e) Apart from the above, there are still several issues of pension, which need to be discussed and sorted out. We, therefore, request you to take a positive view and hold discussion on all the issues of retirees on the basis of authentic facts, data and figures. On our part, we are also willing to exchange facts and figures so that a meaningful dialogue can take place with a view to resolving these issues. We look forward to your early response. Thanking you, Yours faithfully, Sd/- (HARVINDER SINGH) GENERAL SECRETARY (courtsey – Elders’ Voice – S.B.I. P.A., Chennai Circle) 15 August 2015 SAMVAD

A LETTER DATED 8-07-2015 ADDRESSED BY OUR FEDERATION TO SHRI M.V.MURALI, CONVENOR OF U.F.B.U AND SECRETARY A.I.S.B.S.F. – A step towards strengthening of the co ordination among the three Federations of our Bank. “Dear Murali, I thank you for sparing your time to meet me along with Shri Ramesh Babu, Secretary of our Federation ,Sarvashri H.Ganapathy and A.Damodaran, Presidents of SBI Pensioners Association, Chennai and Hyderabad Circle respectively on 15th June 2015 at your office . 2. We had the opportunity to know from you the efforts made by UFBU during the 10th.bipartite negotiations for securing the benefits for the past pensioners by pursuing the demands made in your Charter of Demands submitted to I.B.A. We could also learn the circumstances leading to release of the Record Note on 25-05-2015 furnishing the details of discussions held by U.F.B.U with I.B.A and the position taken by I.B.A on pensioners’/retirees’ issues. We offered our congratulations to you for retaining the provisions on the rates of special pay to workmen staff to our Bank and for the provision on pension as per clause 15 of the 10th Bipartite Settlement applicable to our Bank also. 3. We were keen on meeting you with a view to seeking your support to resolve some of our pension issues concerning our Bank only. For this purpose, a copy of our recent appeal made to our Chairman along with a copy of our appeal dated 10-06-2015 has since been handed over to you by Shri Ramesh Babu, our Secretary. We trust you would pursue our above appeal with our Bank. 4. We were also glad to know that despite the position taken by IBA, as disclosed in the Record Note, IBA is examining the question of payment of dearness relief with 100% neutralization to the pre 1-11- 2002 pensioners. Besides this improvement, the family pension needs to be improved and the ceiling of Rs.9, 284/ on family pension stipulated on 10th Bipartite Pay Scales deserves to be increased on the lines of the family pension scheme of RBI. We hope that UFBU would take further steps to follow up these issues, as the Record Note leaves scope for your discussions with IBA on the issues as stated therein. 5. The Medical Insurance Scheme is a very important benefit secured by the 10th Bipartite Settlement for the Bank pensioners. This Scheme does not cover our Bank. We are sure you would take up this matter with our Bank and arrange for a suitable medical benefit or insurance scheme both for the employees and all pensioners and retirees of our Bank including those retired/ retiring voluntarily. 6. We are very keen to strengthen our Co-ordination with both All India State Bank of India Staff Federation and All India State Bank Officers’ Federation. We have also made a request in this regard to Shri Y.Sudarsan, General Secretary of AISBOF. We trust that an early meeting on a mutually agreed date, at convenient venue could be organized. 7. We thank you for your helpful approach for taking care of your past colleagues. We are sure that our discussions with you on 15th June 2015 would lead to further strengthening of the coordination among the three Federations of our Bank.’’ Yours sincerely ( P.P.Sankaranarayana Murthy) General Secretary (courtsey – Elders’ Voice – S.B.I. P.A., Chennai Circle) 16 August 2015 SAMVAD S.B.I. Pensioners' Association (Mumbai Circle), Pune List of Members who have given Donations to the Association for various reasons including for 'Samvad' during April, May & June 2015 (Kindly refer earlier List published in Samvad for 'May 2015) ************************************************************************************************ Rs.30,000/- MR.VIVEK B.CHANDAN MR.MADHUKAR RANE MR.A.D.BUTALA SMT.SUNETRA VASANT CHAVAN MR.NARAYAN B.SAVALE Rs.25,000/- MR.YASHWANT G.DABKE MR.V.M.SHETE MR.DIGAMBAR S.KULKARNI MR.FIROZ DARUWALLA MR.A.C.SHIURKAR Rs.23,000/- SMT.ARCHANA GHANEKAR MR.V.K.SWAMI MR.S.G.RABADE MR.V.P.GORE Rs.1,010/- Rs.11,111/- MR.PRAKASH HALBE SMT.MAYA K.SHASTRI Rs.1,001/- MR.HIMMATLAL SHAH MR.MADHUKAR R.JOSHI MR.CHANDRAKANT AMBEKAR Rs.10,751/- MR.SURESH V.JOSHI MR.YASHAVANT KAWALE SMT.VRUSHALI APHALE MR.ARVIND KARAMBELKAR MR.SHRIKANT B.KULKARNI MR.ARVIND M.CHANDORKAR Rs.10,000/- MR.PRABHAKAR MADIWALE SMT.BEENA A.DUDHANKAR SMT.ANUSAYA CHIKANE MR.RAMCHANDRA MAHADIK MR.V.D.GHODEGAONKAR MR.R.VENKATRAMANI MR.M.N.NAMBIDI SMT.USHA JAVKHEDKAR Rs.6,800/- MR.S.V.PAI BHIR MR.C.N.KAMLAKAR ASSN’S WAI-UNIT MEMBERS SMT.PUSHPA P.PRABHU MR.B.K.KULKARNI Rs.6,001/- MR.GOPAL V.PUROHIT MR.PARITRAN MR.S.G.PRABHU MR.P.B.SADHALE SMT.SHAILAJA SHASHIKANT Rs.5,001/- MR.ARVIND SHIRSAT MR.ARNI SHANMUGHAM MR.S.B.CHARANKAR MR.ACHARYA SHUBHNAN MR.MADHUKAR SULE Rs.5,000/- SMT.KAVITA TRILOKEKAR SMT.MUGDHA SURALKAR SMT.VAISHALI ATHAVALE SMT.ANAGHA VIDWANS MR.I.C.VIEGAS SMT.ANJALI M.CHITALE Rs.1,510/- Rs.1,000/- MR.ASHOK JAYANT DESAI MR.ULHAS AROLKAR MR.AVINASH ACHYUTRAO SMT.ANJALI A.KARNIK Rs.1,500/- MR.PRADEEP K.AGRAWAL SMT.MRUDULA KILPADY MR.G.B.BAGUL MR.VASANT B.AHIRE MR.PRAHLAD SANGAONKAR MR.M.T.DESHPANDE IQBAL AHMED MOHMADMIYA SMT.REKHA A.SHINDE MR.SURESH DONGARE MR.M.H.AJAM Rs.3,100/- SMT.DDEPSHRI KALE SMT.VAIJAYANTI M.AJINKYA MR.J.P.BILLIMORIA MR.N.G.RAMTEKKAR SMT.BHAGYALATA AKOLKAR Rs.3,000/- Rs.1,250/- MR.R.V.ALIGAVE MR.B.V.KANITKAR SMT.USHA KHANVILKAR MR.UTTAM ALONE MR.V.KATDARE Rs.1,201/- MR.MAHENDRA ALVE SMT.MEENAL KHANDKAR MR.SUNIL NIMBKAR SMT.ARPITA A.AMBARKAR SMT.IRAWATI B.KULKARNI Rs.1,200/- MR.VAZ AMBROSE MR.P.G.AMBULGEKAR Rs.2,511/- SMT.MAVREEN P.REBEIRO SMT.VAIJU V.ANIKHINDI MR.V.V.SAITAVDEKAR Rs.1,111/- SMT.A.A.ANTAO Rs.2,501/- MR.N.B.ARADHYE MR.R.G.APASTAMB MR.YESHWANT G.DESHMUKH MR.BHASKAR BRAHME SMT.ANURADHA APHALE Rs.2,500/- MR.PRAMOD HASABNIS MR.SATISH K.ARADHYE MR.VIDWANS MR.R.V.JOSHI SMT.GEETA ARVIND Rs.2,251/- MR.P.G.NAIK MR.S.B.ASAWA MR.KUNDANLAL KURIL Rs.1,100/- MR.A.ASHTEKAR Rs.2,001/- MR.A.P.KULKARNI SMT.MEENA B.ASKHEDKAR MR.SIMON FERNANDES MR.A.V.KULKARNI MR.CHINTAMAN V. ASNIKAR Rs.2,000/- MR.J.M.KUMARKIREE SMT.SWATI S.ASOLKAR MR.SAIKUMAR R. MR.C.P.POTDAR MR.ANTHONY AZAVEDO MR.PRADEEPKUMAR BHIRUD MR.RAJGOPAL T.S. MR.AUDUMBAR BABAR 17 August 2015 SAMVAD

MR.R.G.BADE SMT.MEENA V.CHAMANKAR MR.SHRIPAD C.DESHPANDE MR.D.H.BADGUJAR MR.DEEPAK CHANDAVARKAR MR.PRAHLAD K.DESHPANDE MR.A.V.BADVE MR.S.N.CHANSARKAR MR.CHANDRAKANT MR.G.V.BAGELIKAR MR.S.Y.CHAPEKAR M.DESHPANDE MR.B.R.BAJPAI MR.ACHYUT CHAPHEKAR MR.PANDURANG P.DESHPANDE MR.PRAKASH BAKALE MR.L.S.CHARI MR.UMESH K.DESHPANDE MR.MOHANLAL BALDEVDAS MR.K.N.CHARY MR.K.B.DESHPANDE MR.KANTILAL BALDOTA MR.SHRIKRISHNALAL CHAUHAN MR.N.H.P.DESSAI SMT.VIMALA BALSUBRAMANIAM SMT.NEETA S.CHAULKAR SMT.SUNITA DEWALKAR MR.P.A.BAMBOLE MR.G.N.CHHANGANI MR.L.B.DHAINJE MR.C.S.BANSODE SMT.MALINI V.VHINCHALKAR MR.SHIVAJI B.DHANGE MR.VASANT BAPAT SMT.ROHINI N.CHITGUPI MR.DHANMANKAR MR.S.S.BAPAT MR.PRAKASH C.CHITRE SMT.ULKA S.DHARADHAR SMT.ALKA BARASKAR MR.P.V.CHODANKAR MR.JITENDRA DHARIA MR.J.O.BARNETO MR.S.CHOPDEKAR MR.D.V.DHARMADHIKARI MR.A.BARTAKKE MR.B.L.CHOTHWE MR.GAJANAN DHASHANKAR MR.SUDHAKAR J.BAVISKAR MR.F.C.D’SOUZA SMT.INDIRABAI DHODAPKAR MR.BEDEKAR (A’NAGAR) MR.MILAN DABHOLKAR MR.MUKUND DHODAPKAR MR.C.G.BEKINKAR MR.D.R.DACHAWAR MR.AMBADAS S.DHOLE MR.R.J.BELOKAR MT.SURYAKANT DAHIBAVKAR MR.SHRIRAM G.DHOLYE MR.B.K.BENDRIKAR SMT.SHOBHA DAINI SMT.RATAN DHUME MR.VIJAY M.BERDE MR.RAMESH DAKE MR.Y.S.DHURVE MR.VASANT J.BHAGAT MR.C.DAKE MR.I.H.DIAS MR.SHARAD BHAGWAT MR.M.N.DANDEKAR MR.ANTONIO DAVID DIAS MR.N.P.BHALERAO MR.V.S.DANDEKAR MR.S.R.DICHOLKAR MR.RAMESH R.BHALERAO MR.K.V.DARBASTWAR MR.P.H.DINGANKAR MR.M.H.BHALERAO MR.GURUDAS DARONDE SMT.MARIA E.DINIZ MR.C.R.BHAMRE MR.MADHUKAR DATTATRAY MR.N.A.DIORE MR.S.J.BHANAGE MR.B.G.DAULATABADKAR MR.SURESH V.DIWAN MR.V.J.BHANDAKKAR MR.ASHOK DAVARI MR.JAGDISH DIWAN SMT.POORNIMA BHANDARE MR.NATAL DE’MELLO MR.RAJARAM A.DONGARE SMT.BIMLA R.BHAT MR.MAHRUKH DEBOO MR.GULAB R.DONGRE MR.PRAKASHCHANDRA BHATIA MR.BALWANT DESAI MR.ASHOK DOSHI MR.ANIL G.BHATIA MR.PRAMODBHAI N.DESAI MR.VIJAY EKAWADE MR.ASHOK D.BHEMBRE MR.MADHAV Y.DESAI MR.TREVOR FERNANDES MR.DATTATRAY BHENDE MR.BHASKAR N.DESAI MR.ANTON I.FERNANDES MR.DILIP B.BHOGAONKAR SMT.KUNDA V.DESAI MR.L.S.FUKE MR.LAXMAN BHONG SMT.SNEHAL P.DESAI MR.PRADEEP D.GADGIL MR.SHIVPRASAD BHOSALE MR.D.B.DESAI SMT.VIDYA J.GADGIL MR.TUKARAM Y.BHOSALE MR.ARVIND DESHKAR MR.NITIN B.GADGIL MR.SHRIRANG S.BHOSALE SMT.VASANTHA DESHKAR MR.BAPU S.GAIKWAD MR.VITTHAL BRAHMANKAR SMT.NIRMALA M.DESHMUKH MR.P.N.GAJBHARE SMT.DEEPTI L.BIDAYE MR.MOHANIRAJ R.DESHMUKH MR.V.S.GAJENDRAGADKAR SMT.SULABHA BIWALKAR MR.B.D.DESHMUKH MR.L.G.GANDHI MR.RAMESH BODEKAR MR.DILIP G.DESHMUKH MR.L.G.GANDHI MR.B.B.BODHANKAR MR.VISHNU V.DESHMUKH MR.KISAN GARASIA MR.PANDURANG BORKAR MR.PRAFULLA J.DESHMUKH SMT.USHA S.GAVALI MR.SHARAD BRAHME MR.SANDIP G.DESHMUKH MR.MANSING K.GAVIT A WELLWISHER MR.ANIL DESHMUKH MR.S.V.GHADIGAONKAR MR.SHANTARAM BUCHADE MR.PADMAKAR M.DESHPANDE MR.KASHINATH GHANEKAR MR.K.A.BURDE MR.N.S.DESHPANDE MR.ARVIND GHATE MR.S.F.CARDOZO MR.DILIP K.DESHPANDE MR.V.R.GHORPADE MR.M.H.CHAKOTE MR.D.G.DESHPANDE MR.G.D.GHOTANKAR SMT.SUCHETA S.CHALGERI MR.DEEPAK M.DESHPANDE MR.B.V.GHUGE 18 August 2015 SAMVAD

SMT.VIDYA GODSE MR.C.G.JOSHI MR.PRITHVIRAJ KHEDEKAR MR.V.R.GOKHALE SMT.MUGDHA S.JOSHI SMT.GEETA P.KHEDEKAR SMT.MRUDULA GOKHALE MR.MOHAN M.JOSHI MR.M.V.KHER SMT.JAYVANTIBAI GONBARE MR.ASHOKKUMAR JOSHI MR.P.V.KILLEKAR MR.K.V.GOPINATHAN MR.J.M.JOSHI SMT.JATINDA KAUR KOHLI SMT.BHARATI B.GORE MR.G.N.JOSHI MR.TUKARAM S.KOKANE MR.JAYANT GORE MR.JAYANT JUNANKAR MR.SUBHASH R.KOKATE MR.DATTATRAY N.GORE MR.VINAY JUNANKAR SMT.KALPANA KONDVILKAR MR.S.L.GORE MR.ANANT KRISHNA KADAM MR.A.R.KORANNE MR.DILIP B.GOSAVI MR.P.R.KADAM MR.S.S.KORDE MR.C.S.GOVINDWAR MR.BHARGAV B.KADAM MR.MANGESHA KOSSAMBE MR.HEEROO GIJREY SMT.UJJWALA KAISHAP MRS.R.S.KOTASTHANE MR.HARISHCHANDRA GUNDAWAR MR.ARUN KAKADE MR.PUNAMCHAND KOTHARI MR.RAMESH D.GUPTE MR.P.V.KAKADE MR.A.K.KULKARNI MR.NARHARI HANJANKAR SMT.SHEELA SUDHAKAR KALE MR.A.B.KULKARNI MR.SUDHIR HASABNIS MR.S.L.KALE MR.V.R.KULKARNI MR.J.V.HATHI MR.DINKAR KALE MR.DATTATRAY KULKARNI MR.S.HATWALNE MR.PRAKASH KALUKHE MR.HEMANT B.KULKARNI SMT.KALPANA HINDLEKAR SMT.SUVARNALAXMI KAMAT MR.ARVIND KULKARNI MR.MADHAV HUDDEDAR MR.VILAS KAMAT MR.A.J.KULKARNI MR.S.HUDDEDAR SMT.ARUNDHATI KAMAT MR.G.R.KULKARNI MR.VISHWAS M.INAMDAR SMT.SEEMA S.KAMATH MR.R.K.KULKARNI MR.S.B.INAMDAR MR.M.D.KAMBALE MR.SUDHIR G.KULKARNI MR.VIJAYKUMAR P.INGALE MR.K.S.KAMBLE MR.M.D.KULKARNI MR.A.P.INGALIKAR MR.MOHAN G.KAMBLE MR.SHASHIKANT H.KULKARNI MR.N.D.JADHAV MR.PRABHAKAR A.KAMBLE SMT.SUVARNA P.KULKARNI MR.D.N.JADHAV MR.VINAYAK S.KAMBLE SMT.SHAILAJA A.KULKARNI MR.A.B.JADHAV MR.DATTARAY N.KAMBLE MR.VISHWAS S.KULKARNI MR.HARIBHAU T.JADHAV MR.L.D.KAMBLE MR.D.G.KULKARNI SMT.MANIK R.JADHAV MR.S.R.KANCHALWAR MR.ASHOK G.KULKARNI MR.VILAS A.JADHAV MR.Y.KAPDI SMT.SHARAYU A.KULKARNI MR.S.L.JADHAV SMT.AJAYA KARAMBELKAR MR.A.V.KULKARNI MR.G.H.JADHAV SMT.UJJWALA S.KAREKAR MR.J.J.KULKARNI MR.V.G.JADHAV MR.A.J.KARMARKAR MR.VYANKATESH V.KULKARNI MR.V.G.JAGDHANE SMT.PADMAJA K.KARVE MR.A.KULKARNI MR.YESHWANT P.JAGTAP MR.SHIVAJI D.KASBE MR.P.D.KULKARNI MR.VILASKUMAR JAIN MR.S.T.KASHID MR.S.KULKARNI MR.Y.J.JAMADAGNI MR.K.D.KASRALIKAR SMT.PRATIBHA KULKARNI MR.B.V.JAMDADE MR.RAMESH KASTURE MR.SUBHASH KULKARNI MR.KAMLAKAR JARIPTKE MR.H.KAVTHANKAR MR.DILIP KULKARNI MR.P.R.JAUNJAT MR.RUSI B.KELAWALA MR.ASHOK KULKARNI SMT.SHAMALA JAYKUMAR SMT.INDIRA S.KELKAR MR.B.G.KULKARNI MR.KISHOR S.JOG MR.PRAKASH P.KESKAR MR.RAMESH KULKARNI MR.A.G.JOGDAND MR.SATISH KETKAR MR.V.K.KULKARNI MR.VIJAY JOGLEKAR SMT.SHUBHANGI S.KHADILKAR MR.G.V.KUNDAIKAR MR.CHINTAMAN JOGLEKAR MR.M.K.KHADKE MR.G.H.KUNDKAR MR.R.R.JOSHI MR.KESHAV B.KHAIRE MR.RAMCHANDRA KURTE MR.A.B.JOSHI MR.P.S.KHAN MR.P.V.G.KUTTY MR.P.M.JOSHI MR.ZAKI AHMED KHAN MR.MAHADEO R.LAD MR.ASHOK P.JOSHI MR.J.V.KHANDEKAR MR.V.V.LANDGE MR.ANIRUDDHA L.JOSHI MR.S.KHANDEPARKAR MR.SUBHASH K.LANDGE SMT.S.R.JOSHI SMT.PRATIBHA KHARE MR.B.V.LINGRAS MR.PADMAKAR K.JOSHI MR.RUPLAL M.KHARE MR.ANAND M.LONDHE MR.V.R.JOSHI SMT.RANJANA KHATKUL SMT.MARCIANNA F.LOPES 19 August 2015 SAMVAD

MR.BAJRANG S.LUGADE MR.R.G.NAYAK MR.C.B.PIMPALKAR MR.TEJ KRISHEN MACHAMA MR.V.N.NAYAK MR.K.S.PIMPARKAR MR.SAYYAD MAGDOOM MR.SAYYAD A.NAZIR MR.SATISH M.PIMPLE MR.A.G.MAGDUM MR.P.P.NEMADE MR.MARCELINO PINTO MR.GANGADHAR MAHABAL MR.MUKUND NERLEKAR MR.B.P.PIRANKAR MR.S.S.MAHAJAN MR.PRAKASH V.NERPAWAR MR.S.N.PISE MR.ARVIND D.MAHAJAN SMT.MEERA NERURKAR MR.ARVIND PITAMBARE MR.AVINASH MAHAJAN MR.ARVIND NIMGAONKAR MR.N.M.POHARE SMT.ASHA MAHALE MR.SUDHAKAR NIMISHE SMT.NILIMA POTDAR MR.G.B.MAHAMUNI MR.CHANDRAKANT NIRANTAR MR.HARISHCHANDRA POTDAR MR.M.P.MAKWANA MR.NANDKUMAR NIROKHEKAR MR.P.M.POUL SMT.ANJALI S.MALKHEDKAR MR.YASHWANT S.ORPE MR.A.G.PRABHU MR.G.L.MAMULWAR MR.H.P.PABITWAR MR.CHANDRASHEKHAR MR.SHIVRAM MANJREKAR MR.SATISH R.PACHPOR PRADHAN SMT.LAXMIBAI D.MANKARI MR.V.N.PALANG MR.S.S.PRADHAN MR.A.B.MANURKAR MR.S.D.PALASPAGAR MR.SURESH PARANJAPE MR.VAMAN G.MARATHE MR.L.V.PALEKAR MR.VILAS PURANIK MR.KISHOR MARATHE MR.M.D.PALKAR MR.K.M.PURANIK MR.VISHWANATH MATHPATI SMT.SANDHYA V.PALSHETKAR MISS.S.A.PURKAR MR.CHANDRAKUMAR MEHTA MR.P.P.PANCHANGE MR.V.K.RACHATTE MR.SATISH S.MEHTA MR.VASUDEO R.PANDE MR.H.P.RAHUJADE SMT.MANDAKINI A.MESHRAM MR.R.M.PANDIT MR.MANJUNATH RAIKAR MR.SUBHASH J.MHASAWDE MR.ANIL PANDIT SMT.KANCHAN S.RAILKAR MR.V.M.MOHARIR MR.JAYAWANT K.PARAB MR.P.N.RAJHANS MR.N.D.MOHRIR MR.VINAYAK PARAB MR.V.G.RAJHANSA MR.MADHUKAR C.MONE MR.K.D.PARADKAR MR.L.N.RAMULWAR MR.GANGARAM LAXMAN MORE MR.A.V.PARALIKAR MR.A.G.RANADE MR.S.P.MORE MR.M.D.PATEL MR.MADHAV N.RANADE MR.RAMESH MORE MR.A.V.PATHAK MR.CHANDGI RANE MR.B.T.MOTIRAMANI MR.WAMAN K.PATIL MR.MARUTI B.RANE MR.VISHNU V.MUKIM MR.RAJENDRA P.PATIL MR.SHIVRAY P.RAO MR.N.S.MULANI MR.RAGHUNATH MH.PATIL MR.ASHOK K.RAUT MR.ASHOK MULAY MR.D.Y.PATIL MR.BRAZ REBELO MR.S.I.MUNALE SMT.VIMAL S.PATIL MR.FRANCISCO REVEREDO MR.S.S.MUNOLI MR.NEMGONDA D.PATIL MR.N.N.ROKADE MR.NAGADEO R.MYANA MR.SAMBHAJI S.PATIL SMT.RENU K.RUPANI MR.NADAF MAHBOOB AHMED MR.ULHAS PATKI MR.S.D.SAGARE MR.V.A.NADGAUDA MR.R.S.PATRE MR.S.L.SALVE MR.N.S.NAGRAJ MR.ASHOK PATRIKAR SMT.SMITA SAMANT MR.RAMBHAU J.NAIK MR.A.L.PATWARDHAN MR.S.H.SANE MR.SURAJ NAIK MR.VASANT PATWARDHAN MR.NAVNATH K.SANGLE SMT.SHOBHA NAIK MR.C.N.PATWEKAR MR.D.D.SANGVIKAR SMT.SUNITA NAIK MR.A.D.PAWAR MR.S.A.SANKPAL SMT.SUPRIYA S.NAIK MR.V.P.PAWAR SMT.ELSA SANTOS MR.S.M.NAIKUDE MR.PRASHANT P.PAWASKAR MR.S.M.SANVORDEKAR SMT.NITA M.NAIR MR.P.N.PEDGAONKAR MR.RAVINDRA SAPRE MR.R.N.NAKKANWAR MR.SIDDARTH PELAPKAR MR.S.P.SAPRE MR.D.S.NANNORE MR.P.G.PENDKE MR.V.T.SARAF MR.P.M.NARKAR MR.S.V.PENDSE MR.PRAKASH K.SATAM MR.U.S.NARKHEDE SMT.ANURADHA PHADANVIS SMT.PRATIMA J.SATHE MR.NAGNATH NAROTE MR.S.M.PHADKE SMT.VANDANA D.SATHE MR.N.N.NARVEKAR MR.SUBHASH PHALDESAI MR.V.N.SATVEKAR SMT.RASHMI R.NAVALKAR MR.VIJAY B.PHANSE SMT.SMITA V.SAWANT MR.ASHOK NAWALE MR.A.V.PHATAK MR.VIJAYKUMAR S.SAWANT 20 August 2015 SAMVAD

MR.LAXMAN A.SAWANT MR.D.D.THOMBARE Rs.752/- MR.ASHOK SAWANT SMT.ASHA TIGHARE SMT.SHEELA S.RAJE SMT.INDU SAWANT MR.ANIL M.TIKEKAR Rs.751/- MR.M.M.SAWANT SMT.SUNITA TIKEKAR MR.SHRIKANT JOSHI MINOO SETAI MR.V.S.TIMBLE Rs.750/- MR.CHANDAN P.SHAH MR.ARUN TORASKAR MR.J.J.KULKARNI MR.SURYAKANT SHAH MR.S.G.TORNE MR.SAFDAR SHAIKH Rs.501/- SMT.MUGDHA P.TUNGARE MR.A.D.KAKAIYA MR.M.A.SHAIKH MR.PRAKASH TUPDAURU MR.M.J.SHARMA MR.S.SALELKAR SMT.SANTAN M.TUSCANO SMT.PUSHPA V.TANDALE MR.S.R.SHARMA MR.S.B.UMADI MR.PADMAKAR S.SHAUCHE Rs.500/- MR.L.D.UMARIKAR MR.BALU BELEKAR MR.N.G.SHEELWANT MR.RAVINDRA S.UNAWANE MR.VIDYADHAR SHELAR MR.D.R.BHOSALE MR.R.R.URSALE MR.J.N.DATAR MR.D.W.SHEMBEKAR MR.S.V.VAIDYA SMT.M.R.SHENDE MR.ARUN P.DESHPANDE SMT.SUNITA VARTAK MR.A.M.DESHPANDE MR.VIJAYKUMAR SHETH I.VATSA MR.P.P.SHETYE MR.SEBASTIAN FERNANDES MR.BALKRISHNA VAZE MR.B.S.GAIKWAD MR.PRAKASH D.SHETYE MR.ARVIND VELINGKAR MR.ANIL SHEWADE MR.U.L.KARALE MR.GOPAL G.VHANALKAR MR.V.D.KARAMBELKAR MR.V.R.SHEWALE MR.JEHANGIR VIRJI MR.R.L.SHIMPI MR.B.M.KAVATHEKAR MR.N.V.VYAVAHARE MR.SHRIPAD S.KULKARNI MR.SHINDE (A’NAGAR) MR.U.V.VYAWAHARE MR.VASANT R.SHINDE MR.H.R.KULKARNI MR.V.H.WADDEWAR SMT.A.A.KULKARNI MR.P.D.SHINDE MRS.M.S.WADICHERLA MR.SHANTARAM SHINDE MR.BALASAHEB KULKARNI MR.MAHADEV J.WADKAR MR.PANDURANG MAHADIK MR.A.B.SHINGADE MR.BALKRISHNA WADKAR MR.B.P.SHIROLE MR.HASMUKH MODI MR.S.M.WAGH MR.SHANKAR NARAYAN MR.PERVEZ M.SHROFF SMT.SUBHALAXMI WAIKAR SMT.VASANTI SINGBAL MR.V.S.NIMBALKAR MR.TARACHAND K.WALHE MR.V.N.PATIL MR.P.V.SIRDESAI MR.D.J.WALKE SMT.PRATIBHA SOHONI MR.LAHU S.PATOLE MR.UDAY K.WALKE MR.P.K.SHINGE MR.LALIT MOHAN SOLANKI MR.P.A.WANGIKAR MR.B.M.SONAR MR.M.N.SWAMI MR.V.M.VANKHEDKAR MISS S.A.TANDALE MR.B.S.SONULE MR.SAMBHAJI WARE MR.R.B.SUKI A WELLWISHER MR.R.B WAREKAR Rs.400/- MR.AJAY G.SULE MR.H.S.WATKAR MR.C.K.KOLI SMT.REKHA A.SULE A WELLWISHER Rs.251/- MR.B.D.SUNGAR A WELLWISHER MR.B.JAYRAMAN IYER MR.GOPAL K.SURATI A WELLWISHER MR.UTTAMRAO SURVASE A WELLWISHER Rs.250/- SMT.MANGALA SURYAWANSHI A WELLWISHER MR.A.PONKSHE MR.D.S.SURYAWANSHI A WELLWISHER Rs.201/- SMT.GAYATRIDEVI SURYAWANSHI A WELLWISHER MR.N.B.KOLI MR.A.G.SWAMI A WELLWISHER Rs.200/- MR.SHANKAR SWARMANDALI SMT.SUNANDA V.YADAV SMT.MILENA BRAGANZA SMT.ANITA D.TAKKA MR.DILIP YAMBAL MR.S.S.CHHATRE SMT.ELISHEBA R.TALKAR MR.S.M.YAWALKAR MR.B.V.DESHPANDE MR.VIJAY TAMBOLI MR.P.M.YAWALKAR MR.ANTONIO FERNANDES MR.VITTHAL TANDALE MR.CHANDRASHEKHAR YEKHE MR.MILAGREE FREITAS MR.N.V.TATHAVDEKAR MR.B.M.YEMALWAR MR.V.G.GANMUKHI MR.D.N.TAVATE MR.D.M.YEMMEWAR MR.KISHOR GARGATTE MR.SHIVAJI K.TAWADE MR.D.D.ZADBUKE MR.S.D.KARMALKAR MR.DELIP P.THATTE MR.P.E.ZOPE MR.HARI KHADPE MR.S.A.THITE 21 August 2015 SAMVAD

MR.S.KHARANTE MR.P.K.DESHPANDE MR.S.A.LOTLIKAR MR.N.V.LONDHE MR.M.S.GHEJI MR.V.G.MANE SMT.LUISA MONTIRO MR.K.S.GINDE MR.M.R.MANGAONKAR MR.R.G.NAYAK MR.N.N.GOKHALE MARICE MASCARENHAS MR.V.V.PELAPKAR MR.J.R.GOSAVI MR.C.B.MOHITE MR.S.K.POTE MR.D.B.JADHAV MR.C.V.NADKARNI MR.V.S.RANE SMT.SUJATA M.JAMADAR MR.PRAKASH NAIK MR.PARAG SHETKAR MR.A.G.JAPTIWALE SMT.LATA S.PATHAK SMT.IVONE SOUZA MR.B.M.JAYKAR MR.S.K.PATIL MR.R.N.YADAV MR.A.K.JOSHI MR.K.S.PAWASHE Rs.150/- MR.M.K.JOSHI MR.MENINO PEREIRA MR.SHANTARAM BUCHADE MR.S.P.JOSHI MR.D.A.PUJARI MR.V.N.KULKARNI MR.SHANTILAL KADAM MR.ANANT RANE MR.SHIVRAM MANJREKAR MR.V.H.KADAM MR.S.D.RATNAPARKHI MR.S.G.PAI MR.C.N.KAMBLE MR.S.S.SAHASRABUDHE MR.P.P.SHIVDASAN MR.R.T.KAMBLE MR.S.D.SATHE MR.S.K.TAWADE MR.S.D.KARMARKAR MR.TANAJI SHINDE A WELLWISHER MR.S.H.KARMARKAR MR.S.G.SHINDE Rs.100/- MR.N.R.KATTI MR.D.G.SHINDE MR.A.A.ATTAR MR.M.T.KHANDAGALE SMT.S.R.SONAWANE MR.S.M.BHALE MR.A.R.KULKARNI MR.R.P.SONAWANE MR.N.P.BHALERAO MR.P.D.KULKARNI MR.N.B.TAMHANKAR MR.DEVIKISAN BHATTAD MR.P.P.KULKARNI MR.M.K.TEJANI MR.C.COUTINHO MR.S.S.KULKARNI MR.S.V.VECHALEKAR MR.R.M.DANDEKAR MR.R.R.KUNDLE MR.U.V.VYAVAHARE MR.P.N.DEDGAONKAR MR.SHRIKRISHNA C.LELE å`wÀ`wAb doë\o$Aa pñH$_ (Mutual Welfare Scheme) darb `moOZo_Ü`o Á`m g^mgXm§Zr ^mJ KoVbm Amho d {Zd¥Îm hmoB©n`ªV g§nyU© _m{gH$ háo ^abo AmhoV Aem g^mgXm§À`m {ZYZmZ§Va Ë`m§À`m nËZr/nVrg Xa_hm R>am{dH$ a¸$_ noÝeZ åhUyZ ~±Ho$V\}$ {Xbr OmVo. `mgmR>r Imbrb H$mJXnÌo Á`m emIoVyZ noÝeZ KoVbo OmVo Ë`m emIoÀ`m emIm{YH$mè`m§À`m {e\$maergh PmoZb Am°\$sgH$S>o nmR>dmdr bmJVmV. 1) _`V g^mgXmÀ`m nËZr/nVrMm gmÜ`m H$mJXmda AO©, Á`m_Ü`o \°${_br noÝeZam§Mm noÝeZ ImVo H«$_m§H$, àm°pìhS>§S> \§$S> BÝS>oŠg Z§~a d noÝeZ KoV Agboë`m emIoMo Zmd {b{hUo. 2) \°${_br noÝeZam§Mm h`mVrMm XmIbm (Life Certificate ~±Ho$Zo noÝeZam§gmR>r {Xboë`m Z_wÝ`mZwgma) 3) _`V g^mgXmÀ`m _¥Ë`yMm XmIbm nwUo PmoZ_Ü`o gw_mao 900 g^mgX `m `moOZoV gh^mJr AmhoV. Ë`mn¡H$s gw_mao 100 g^mgX ñdJ©dmgr Pmbo AmhoV. gd©lr lr{Zdmg ~d} (gH©$b Agmo{gEeZMo _mOr I{OZXma) d A{dZme Xoenm§S>o `m§Zr Jobo _{hZm^a {deof _ohZV KoD$Z d gVV nmR>nwamdm H$ê$Z 20 OUm§Zm noÝeZ {_idyZ {Xbo Amho. lr. ~d} `m§Mm XþaÜdZr H«$_m§H$ 020/24337254 Amho. darb `moOZoMr g§nyU© _m{hVr "g§dmX'À`m gßQ>|~a 2013 À`m A§H$mV {Xbr Amho. Amnë`m Agmo{gEeZÀ`m gd© H$m`©H$Ë`mªZm {dZ§Vr H$aÊ`mV `oVo H$s, Amnë`mH$S>rb Oo g^mgX M.W.S. À`m \°${_br noÝeZgmR>r nmÌ AgVrb, Ë`m§Zm H¥$n`m _XV H$amdr d noÝeZMm bm^ {_idyZ Úmdm. - goH«o$Q>ar 22 August 2015 SAMVAD

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