Thursday, January 18, 2018

ECHS: Advisory on Fixed Medical Allowance

Central Organisation ECHS
Adjutant General’s Branch, IHQ of MOD (Army)
Maude Lines, Delhi Cantt - 110 010

Tele : 011-25684847 
ASCON : 36832 
Fax : 011-25684946 
Email : diropsechs-mod@nicin 

B/49701-PR/AG/ECHS/2017                                                                                                           22nd Dec 2017

All Command HQ's
All Regional Centre’s ECHS


1. It is certified that ECHS Scheme is optional for all Pre April 2003 retirees and joining of Scheme is sole decision of ESM. As per lHQ of MoD ID No. 22(1)101/US(WE)/D(Res) dated 30 Dec 2002. FMA is forfeited once an ESM joins the Scheme. As per Govt orders. Ex-Servicemen Contributory Health Scheme is compulsory for all post Apr 2003 retirees.

2. It is intimated that release/cessation of pay and allowances from the pension of ESM is subject matter of Pension disbursing agencies and respective Bankers. 

3. Once ESM joines the Scheme, no provision exists for discontinuation of membership and issue of non membership certificate.

4. You are requested to accordingly take action vide Central Org ECHS letter No B/4970-11-SC/AG/ECHS dated- 02 Jul 2014 enclosed herewith. 

(BS Sisodia) 
Dir (Ops & Coord)

(Source : Staffnews blog))

Wednesday, January 17, 2018

Defence minister Nirmala Sitharaman flew a sortie on the Sukhoi 30 and this is what she felt about the ride

Jan 17, 2018, 15:34 IST


  • The country's first woman defence minister traveled in the seat behind the pilot for the exhilarating ride
  • This was the Union minister's second outing on a fighter aircraft
  • Her first was on a MIG 29 aircraft at sea
The G-suit clad defence minister before embarking on her Sukhoi 30 ride (Photo: ANI)The G-suit clad defence minister before embarking on her Sukhoi 30 ride (Photo: ANI)
NEW DELHI: Defence minister Nirmala Sitharaman today donned a flying suit and took to the skies in the Indian Air Force's frontline combat jet Sukhoi 30 MKI and she thought the experience was "eye-opening and memorable".

Sitharaman, clad in a G-suit, was speaking fresh from her sortie on the combat jet which took off from the air base in Jodhpur. A G-suit is gear worn by aviators and astronauts who are subject to high levels of acceleration force. The country's first woman defence minister traveled in the seat behind the pilot for the exhilarating ride.

"Very proud and thankful that I've gone through this experience because it actually tells me with what rigor, practice, what level of readiness and how quickly they (defence personnel) have to respond to situations. It was eye-opening and memorable," said Sitharaman.

Here's a picture of the flight taking off:

This was the Union minister's second outing on a fighter aircraft. Her first was on a MIG 29 aircraft at sea. The fighter jet was situated on board the INS Vikramaditya.

Both her exercises are part of the defence ministry's efforts to gauge and review the operational preparedness and combat capabilities of the armed forces.

(Source : TOI)

Tuesday, January 16, 2018

PCDA Circular No. 196 : Leveraging for maximizing Digital Life Certification

Office of the Principal Controller of Defence Accounts (Pension), Draupadi Ghat, Allahabad -211014
Circular No. 196
No. AT/Tech/30-XIX
Dated: 10.01.2018
1. The Chief Accountant, RBI Deptt. of Govt. Bank Accounts, Central office C-7, Second Floor, Bandre- Kurla Complex, P B No. 8143, Bandre East Mumbai-400051
2. The Director of Treasuries of all state …….
3. The Manger CPPC of Public Sector Banks including IDBI
4. The CDA (PD) Meerut……….
5. The CDA-Chennai……….
6. The Nodal Officers (ICICI/ AXIS/HDFC Bank)….
7. The Pay & Accounts Officers…………
8. Military and Air Attache, Indian Embassy Kathmandu, Nepal.
9. The DPDO…………
10 The Post Master…………..
Sub: Leveraging for maximizing Digital Life Certification.

Since, Aadhaar Act has now mandated by Govt. of India and the pensioner is required to furnish Aadhaar was for using the Aadhaar information. Therefore, Pension Disbursing Authorities are advised to obtain the consent of all the defence pensioners/family pensioners drawing their pension/family pension from their offices as per the sample Template for Jeevan Pramaan / Digital Life Certificate enclosed herewith.
Encl: As above.                                                     S/d,
(Shubash Kumar)
Sample Consent Template for Jeevan Pramaan/Digital Life Certificate- 
I , the holder of Aadhaar number<>, hereby give my consent to < (Name and Address of PDA)> to use my Aadhaar Number and Fingerprint/Iris/OTP for annual identification and generation of Digital Life Certificate(DLC). I also give my consent for sharing my Aadhaar number and my DLC with my <(Name of PDA)> for e-KYC and authentication from UIDAI through Meit/NIC/NPCI/other ASA.
<(Name of PDA)>………. has informed me on behalf of Meit/NIC/NPCI/other ASA that during authentication, Meit/NIC/NPCI/other ASA shall submit my information to UIDAI and that my core biometrics (Fingerprint and/or Iris scans will not be stored/shared). I have also been informed that the information submitted to <(Name of PDA)>………. shall not be used for any purpose other than that mentioned above or as per any requirement of law.
Personal No./Regimental No………..
PPO No.:……..……………………………..
(Source- Govtempdiary blog)

Monday, January 15, 2018

FREQUENTLY ASKED QUESTIONS Payment of Pension to Government Pensioners (Updated as on December 22, 2017)

Scheme for Payment of Pension to Central Government Pensioners by Authorised Banks

Pension schemes/rules are formulated by the respective Central Govt Ministries/Departments. A link to some of such schemes are available at under Notifications, Master Circulars, Banker to Banks, Disbursement of Pension by Agency Banks. The Reserve Bank of India oversees disbursement of pension by its agency banks in respect of all Central Govt Departments. In the process, it receives queries/complaints from pensioners in regard to fixation, calculation and payment of pension including revision of pension/Dearness Relief, transfer of pension account from one bank branch to another, etc. The Reserve Bank has analysed the queries/complaints, and put them in the form of answers to Frequently Asked Questions here. It is hoped that these will cover most of the queries/ doubts in the minds of pensioners.

1. Can the pensioner draw his/ her pension through a bank branch? 
Yes. Even the Government employees earlier drawing their pension from a treasury or from a post office have the option to draw their pension from the authorized bank’s branches.

2. Who is the pension sanctioning authority? 

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

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

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

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

Yes. All pensioners of the Central Government Pensioners can open Joint Account with their spouses.

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

Yes, the Joint Account of the pensioner with spouse can be operated either as ‘‘Former or Survivor” or “Either or Survivor”.

6. Whether a Joint Account can be continued for family pension after death of a pensioner? 

Yes, the banks should not insist on opening of a new account in case of Central Government pensioner if the spouse in whose favour an authorization for family pension exists in the Pension Payment Order (PPO) is the survivor and the family pension should be credited to the existing account without opening a new account by the family pensioner for this purpose.

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

RBI has not stipulated any minimum balance to be maintained in pension accounts by the pensioners. Individual banks have framed their own rules in this regard.

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

The concerned pension sanctioning authorities in the Ministries /Departments/ forward the PPOs to bank branches wherefrom the pensioner desires to draw his/her pension. However, on implementation of CPPCs, pension sanctioning authorities have started sending PPOs to the CPPCs of the bank instead of bank branch.

9. When is the pension credited to the pensioner’s account by the paying branch? 

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

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

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

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

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

12. Can the pension paying bank recover the excess amount credited to the pensioner’s account? 

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

13. Is it compulsory for a pensioner to furnish a Life Certificate/Non-Employment Certificate or Employment Certificate to the bank in the month of November? If so, how can this requirement be complied with? 

Yes. The pensioner is required to furnish a Life Certificate / Non – Employment Certificate or Employment Certificate to the bank in the prescribed format in the month of November every year to ensure continued receipt of pension without interruption. The pensioner can also present himself / herself at any branch of the pension paying bank for being identified for issue of life certificate. In case a pensioner is unable to obtain a Life Certificate on account of serious illness / incapacitation, bank official will visit his / her residence / hospital for the purpose of obtaining the life certificate. 

There have been complaints that life certificates submitted over the counter of pension paying branches are misplaced causing delay in payment of monthly pensions. In order to alleviate the hardships faced by pensioners, agency banks were instructed to mandatorily issue duly signed acknowledgements. They were also requested to consider entering the receipt of life certificates in their CBS and issue a system generated acknowledgement which would serve the twin purpose of acknowledgement as well as real time updation of records. 

A pensioner having Aadhar number can alternatively submit Jeevan Pramaan, a digital life certificate introduced by the Government of India. For obtaining this, he / she will have to enrol and biometrically authenticate himself / herself by downloading the application generating digital life certificate from the website or other means described on the website. Once digital life certificates in the form of Jeevan Pramaan are fully implemented, pension paying branches will be able to obtain information about the digital life certificate of their pensioner customers by logging on to the website of Jeevan Pramaan and searching for the certificate or by downloading through their Core Banking Systems. Pensioners will also be able to forward to their bank branches by email/sms the relative link to their digital life certificate.

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

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

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

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

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

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

17. When does the family pension commence? 

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

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

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

19. Can pensioners get pension slips? 

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

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

Branch/CPPC is the point of referral for the pensioner. Pensioners can approach the nodal officer(s) designated by the respective banks who would be holding regular meetings at different locations in their jurisdiction on lines of Pension Adalat. They can also contact the bank through toll free dedicated pension line of the respective bank to seek information related to their queries/complaints. In case of deficiency in service offered by the bank, pensioner can approach the concerned Consumer Education and Protection Cell at respective Regional Office of RBI and Banking Ombudsman under whose jurisdiction the bank branch, where the pensioner holds the account, falls.

21. Where can a pensioner get information about the changes in the pension/Dearness Relief or any pension related issue?
The pensioner can visit the Official Website of the concerned Government Department as also Reserve Bank of India Website ( to get the information about pension related issues.

22. Whether a pensioner is entitled for any compensation from the agency banks for delayed credit of pension/ arrears of pension? 

Yes. A Pensioner is entitled for compensation for delayed credit of pension/arrears thereof at the fixed rate of 8% per annum (since October 1, 2008) and the same would be credited to the pensioner’s account automatically by the bank on the same day when the bank affords delayed credit of such pension / arrears etc. without any claim from the pensioner.

These FAQs are issued by the Reserve Bank of India (The Reserve Bank) for information and general guidance purposes only which cannot be quoted in any legal proceeding and will have no legal purpose. It is not intended to be treated as legal advice or legal opinion. The Reserve Bank will not be held responsible for actions taken and/or decisions made on the basis of the same. For clarifications or interpretations, if any, readers are requested to be guided by the relevant circulars and notifications issued from time to time by the Reserve Bank and the Government.

(Source: )

Sunday, January 14, 2018

Loss of Pension Payment Order: Issue of Duplicate copy thereof.

Circular No 137
No. AT/Tech/7 Vol-IX
O/o the Pr. C.D.A. (P), Allahabad
Date: 11.05.2009
  1. The CDA (PD), Meerut
  2. The CDA, Chennai
  3. The Director of Treasuries ……….
  4. The Managing Director, Public Sector Banks ………….
  5. The Military and Air Attache, I.E. Kathmandu, Nepal
  6. The Pay & Accounts Officers …………..
  7. The Post Master ……………
  8. Nodal Officer of Private Sector Banks ……….
Sub: Loss of Pension Payment Order: Issue of Duplicate copy thereof.
Procedure for issue of duplicate copy of pension payment order in lieu of lost one are contained in para 5.1 and 5.2 of Defence Pension Payment Instructions 2005 and para 9.1 of Scheme for Payment of Pension to Defence Pensioners by Public Sector Banks (Revised Edition 1987). According to which, if a pension payment order issued by the Pension Sanctioning Authority is lost, duplicate copy thereof may be obtained by the Pension Disbursing Authorities from the concerned Pension Sanctioning Authority, on furnishing a loss certificate stating the purpose for issue of duplicate PPO.
Of late it is noticed that PDAs, while forwarding the loss certificate do not furnish full details of their address alongwith legible official seal as well as full details of pensioner and the purpose of requesting for issue of duplicate PPO.
In the absence of above informations there always occurs delay in issue of duplicate copy of PPO, leading to complaints from pensioners.
In view of the above, it is requested that all pension paying offices/ Treasuries/pension paying branches/DPDOs under your jurisdiction may be instructed to furnish the following documents/informations invariably, while requesting the Pension Sanctioning Authorities for issue of duplicate copy of Pension Payment Orders.
  1. Loss certificate duly stamped with legible official seal.
  2. Full details of address of PDA viz Postal address with PIN code and state where PDA is situated.
  3. Full details of pensioners viz PPO No. and year of issue, name of the pensioner, nature of pension etc.
  4. Purpose for issue of duplicat PPO i.e. for payment purpose or otherwise.
  5. When PPO is lost before first payment, a declaration from the pensioner that no payment has been received and a non payment certificate from the PDA concerned, should invariably be enclosed alongwith the loss certificate.
Dy.CDA (P)


To be filled by the Pension Disbursing Agencies and submitted to the Pension sanctioning authority for issue of the Duplicate PPO.

�Certified that Pension Payment Order (PPO) No.____________ of ________________________Office, in respect of _______________________(Personal No./Regimental No. (rank & name) of _________________________ (Unit/Formation/Army of service), Saving Bank Account No. ___________ has been lost/is not available. To avoid double payment in future, a note has been kept in the Payment/Check/INDEX Register on record in my office/Bank. The PPO, if found or received from any authority at a later date, will not be acted upon and will be returned to the Pension Sanctioning Authority for cancellation�.

Dated:                                Signature and Seal of P.D.A.


Saturday, January 6, 2018

No proposal to abolish the Pay Commission in future : GOI MINISTRY OF FINANCE DEPARTMENT OF EXPENDITURE


PAUSHA 15,1939(SAKA)

National Anomaly Committee
Question : 3164. SHRI CH. MALLA REDDY
Will the Minister of FINANCE be pleased to state:-
(a) whether the National Anomaly Committee (NAC) under the 7th Central Pay Commission has submitted its interim report, if so, the details thereof;
(b) whether the Government is planning to abolish the system of formation of Pay Commission in future, if so, the details thereof and the reasons therefor;
(c) whether the Government is considering to adjust the salaries of its employees and pensioners Dearness Allowance (DA) that crosses the 50 per cent mark, if so, the details thereof and if not, the reasons therefor; and
(d) whether the Department of Expenditure planning to take the responsibility to regularly monitor salaries and allowances of central government employees and recommend the changes if needed, if so, the details thereof and the reasons therefor?

(a): The National Anomaly Committee set up by the Department of Personnel & Training in August, 2016 following the decision of the Government on the recommendations of the 7th Central Pay Commission has not yet met.
(b) to (d): No such proposals are at present under consideration.
(SOURCE : Govtempdiary )