Sunday, June 7, 2020


1. I am Maj Gen PK Ramachandran (Retd) currently serving in State Bank of India as Circle Defence Banking Advisor looking after the salary packages of Defence (including Indian Coast Guard) and Para Military Forces.  I am working in the capacity of a contractual GM.
2. During interaction with various veterans and also referring to our data base, I have observed the following issues:-

(a)  Many of our veterans are having pension a/c with SBI as normal SB A/C and not as Defence Salary Package Pension (DSP Pension) A/c. By this they are depriving themselves all the privileges associated with DSP A/c. They can give their consent to the Branch Manager and convert their existing SB a/c in to DSP Pension A/c. All the benefits stated in DSP a/c are available to ESM less the following:-

(i)   Personal Accident Insurance Cover.

(ii)  Two months salary overdrawal facility limited to Rs 40,000/- to Silver Card.

b)  Depending on the rank they have retired they are eligible for the type of a/c they are entitled.

3. They are also entitled to Pension Loan as under:-

Particulars                                       Loan amount                Repayment
Age of Pensioner                       Pensioner     F/Pensioner 

Up to 72 Years                          Rs.14 lakhs  Rs.5 lakhs         60 months 
Above 72 and up to 74 Years      Rs.12 lakhs  Rs.4.5 lakhs      48 months 
Above 74 and up to 76 Years      Rs.7.5 lakhs Rs.2.5 lakhs      24months   

4. However, the loan amount cannot be more than 18 Months of Pension. All categories are entitled for a Second Loan within the eligible criteria.The interest rate is 3.5% above base rate (13.35% at current base rate).

5. Please also advise all veterans to link their Aadhaar with E-KYC (Know Your Customer) at the branch which would enable them to render life certificate from anywhere in the future as and when implemented.  Branches are being given separate instructions for completing the Aadhaar based e-KYC.

6. You can contact me on Mob No.07032903055 and also on e-mail and second contact person at Local Head Office, Hyderabad is  for any queries. 

7. May I request you to keep all the veterans informed so that the benefits reaches them.


Maj Gen PK Ramachandran(Retd)CDBA Army, LHO (Hyd)

(Source : Via e-mail)

Friday, May 22, 2020

Guidelines for claiming reimbursement of medicines purchased from 23 mar 2020 onwards- ECHS

Tele : 25683476                                                                                            Mil: 36833
By Email/AWAN Only
Central Organisation, ECHS
Adjutant General’s Branch
Integrated Headquarters
Ministry of Defence (Army)
Thimayya Marg, Near Gopinath
Circle, Delhi Cantt-110010
19 MAY 2020
B/49761/AG/ECHS/Medicine Policy
IHQ of MoD (Navy)Dir ECHS (N)
DAV Subroto Park
All HQ Command (A/ECHS)
AMA ECHS, Embassy of India, Nepal
All Regional Centres
1 Please ref the fwg:
(a) CO ECHS letter No B/49762/AG/ECHS/Medicine Policy dt 08 Apr 2019.
(b) CO FCHS letter No B/49761/AG/ECHSIMedicine Policy dt 27 Apr 2020.
(c) CO ECHS letter No B/49761/AG/ECHS dt 23 Mar 2020.
(d) CO ECHS letter No B/49761/AG/ECHS/Medicine dt 24 Apr 2020.
(e) CO ECHS letter No B/49761/AGfECHS/Medicine dt 28 Apr 2020
2. Though the lockdown may be lifted after 31 May 2020 in a gradual manner, in view of the prevalent situation, it is critical to ensure minimum footfall at the Polyclinic to mitigate spread of virus.
3. In view of the above, provisions have been granted to purchase life style/ chronic diseases medicines and claim reimbursement by veterans till 31 May 2020. Individual medicines reimbursement bills are normally handed over physically to OIC Polyclinic for processing for payment, However to minimise/ stream line footfall at Polyclinics, provision to upload bills online or send by Registered Post may be resorted to Beneficiaries may be advised to follow one of the three methods elucidated in succeeding paras for reimbursement of claim amount with immediate effect :-
(a) Online Submission.
(i) Veterans may submit claims online through designated email to OIC Polyclinic A separate mail ID may be created by OsIC PC, if required for the purpose and informed to veterans
(ii) The scanned copies of last prescription held, bill, ECHS card. contingent bill (as per Appx ‘A’ to this letter) and copy of cancelled cheque / first page of passbook should be attached as fife (s) with the email
(iii) All Veterans will mention their complete residential address and tele/ mobile No.
(iv) OIC Polyclinic will ack the receipt of mail and seek any further clarification if required.
(v) The veterans will however submit all original documents (for audit) after the lockdown is lifted by dates to be stipulated later. Non depositing of all the original documents by stipulated date will invite recovery of money.
(b) Veterans who are not able to upload the claim online may send all the above documents (bill and contingent bill in original) alongwith their calling No/ whatsapp No and residential address to OIC Polyclinic through “Registered Post with Acknowledgement Due (AD) Card”. They should keep a photocopy of all documents with them. OIC Polyclinics will process the bills for payment as per existing orders.
(c) The veterans who are not able to send the online claim or by Regd Post for reimbursement shall submit their bills physically after 15 Jun 2020, Specific dates on which veterans could come to submit claims will be coordinated by GIC Polyclinic through tele, email or whatsapp.
(d) OsIC Polyclinics will process the bills (submitted online) digitally duly authenticated by DSC online and for rest of bills as per procedure explained in our letter at Para 1(a) & (b) above. RC will make necessary payment. without waiting for physical copies. Physical copies (for bills submitted online) will be fwd once situation stabilizes for audit purpose.
4. This has the approval of MD ECHS.
(Anupam N Adhaulia)
Dir (Med)
(Source : Govtempdiary website)

Tuesday, May 19, 2020


(Source : Via e-mail from Col Nk Balakrishnan (Retd)

Jammu and Kashmir : The domicile rules notified now replace the erstwhile J&K permanent resident rules that stood abrogated along with the abrogation of Articles 370 and 35A.

Jammu:IANS Updated May 18, 2020

The Jammu & Kashmir government on Monday issued a notification specifying the conditions for obtaining domicile certificates necessary for applying for government jobs and other privileges in the Union Territory.

The domicile rules notified now replace the erstwhile J&K permanent resident rules that stood abrogated along with the abrogation of Articles 370 and 35A.
The notification has been issued in exercise of powers confirmed by Article 309 of the Constitution of India read with section 15 of the Jammu & Kashmir Civil Services (Decentralisation and Recruitment) Act, 2010.
The details of the notification were shared with the media by government spokesman Rohit Kansal at a press conference.
According to the new rules, all those holding the permanent resident certificates of the erstwhile J&K state are eligible to get the domicile certificates from the designated authority which in all cases are tehsildars of different areas in J&K or other officials those may be notified by the government.
"Those in possession of the permanent resident certificates do not need any other document to get the domicile certificate. A person who has resided in the Union Territory for 15 years or studied in Jammu & Kashmir for seven years and has appeared in class 10th/12th examination in an educational institution located in Jammu & Kashmir.
"Or who is registered as a migrant by the relief and rehabilitation commissioner (Migrants) in the union territory of Jammu and Kashmir as per the procedure prescribed by the government for migrants and displaced persons.
"Or who is a child of a central government official, all India services officers, officials of public sector undertakings and autonomous body of central government, public sector banks, officials of statutory bodies, officials of central universities and recognised research institutes of the central government who have served in the UT of Jammu & Kashmir for a total period of 10 years are eligible to get domicile certificates", the spokesman said.
He also said a child of parents who are resident outside the UT of Jammu & Kashmir in connection with their employment or business or other professional or vocational reasons but who fulfil any of the conditions described in clauses (a) or (b) of the notification is also eligible for domicile certificates.
"To make the entire process transparent the designated authority will have to issue the certificate within 15 days of receiving the application. There is also an appellate authority that will dispose of appeals against the decision of the designated authority within a period of seven days," the spokesman said.
"A designated officer shall be bound by the decision of the appellate authority failing which a penalty of Rs 50,000 will be imposed on the designated official and this will be recovered from his/her salary", Kansal said.


Friday, May 8, 2020

CSD canteens to resume liquor sale from Thursday (7.5.2020)

CHANDIGARH:06h May2020:(Express News Service)

The defence authorities have decided to resume operations of CSD canteens from May 7 following a decision by the Quarter Master General’s (QMG) branch of Army Headquarters. However, the canteens have been told to regulate the sale of items such as liquor and grocery.
As per the QMG directives, the ex-servicemen will be able to purchase up to 50 per cent of the quota of liquor and no carry forward of the previous quota will be allowed.
A letter issued by the QMG states, "Due to disruption and limited supply chain, canteen managements may further regulate the sale of items (including liquor) based on stock availability. No carryover of liquor quota will be permitted. Issue of liquor by depots and sale by canteens will be subjected to label registrations by manufacturers, excise permit, and local civil administration orders issued for the sale of liquor."
The letter further clarifies that the veterans will not get the quota of the month of March and April.
Sources said that all the buyers will be checked for temperature and would be sanitized before entering the canteen. Wearing masks has also been made compulsory. 
Veterans above 65 years have been advised to avoid canteens.
The ex-servicemen community in Punjab, Haryana and Himachal Pradesh is one of the largest in the country. 

Sunday, April 26, 2020


Uganda President KAGUTA MUSEVENI warns against people misbehaving during this COVID-19 period, "God has a lot of work, He has the whole world to look after. He cannot just be here in Uganda looking after idiots...". Below is his reported statement.

"In a war situation, nobody asks anyone to stay indoors. You stay indoors by choice. In fact, if you have a basement, you hide there for as long as hostilities persist. During a war, you don't insist on your freedom. You willingly give it up in exchange for survival. During a war, you don't complain of hunger. You bear hunger and pray that you live to eat again

During a war, you don't argue about opening your business. You close your shop (if you have the time), and run for your life. You pray to outlive the war so that you can return to your business (that's if it has not been looted or destroyed by mortar fire).

During a war, you are thankful to God for seeing another day in the land of the living. During a war, you don't worry about your children not going to school. You pray that the government does not forcefully enlist them as soldiers to be trained in the school premises now turned military depot.

The world is currently in a state of war. A war without guns and bullets. A war without human soldiers. A war without borders. A war without cease-fire agreements. A war without a war room. A war without sacred zones.

The army in this war is without mercy. It is without any milk of human kindness. It is indiscriminate - it has no respect for children, women, or places of worship. This army is not interested in spoils of war. It has no intention of regime change. It is not concerned about the rich mineral resources underneath the earth. It is not even interested in religious, ethnic or ideological hegemony. Its ambition has nothing to do with racial superiority. It is an invisible, fleetfooted, and ruthlessly effective army.

Its only agenda is a harvest of death. It is only satiated after turning the world into one big death field. Its capacity to achieve its aim is not in doubt. Without ground, amphibious and aeriel machines, it has bases in almost every country of the world. Its movement is not governed by any war convention or protocol. In short, it is a law unto itself. 

It is Coronavirus. Also known as COVID-19 (because it announced its destructive presence and intention in the year of our Lord 2019)

Thankfully, this army has a weakness and it can be defeated. It only requires our collective action, discipline and forbearance. COVID-19 cannot survive social and physical distancing. It only thrives when you confront it. It loves to be confronted. It capitulates in the face of collective social and physical distancing. It bows before good personal hygiene. It is helpless when you take your destiny in your own hands by keeping them sanitized as often as possible.

This is not a time to cry about bread and butter like spoilt children. After all, the Holy book tells us that man shall not live by bread alone. 

Let's obey and follow the instructions of the authorities. Let's flatten the COVID-19 curve. 

Let's exercise patience. Let's be our brothers' keeper. In no time, we shall regain our freedom, enterprise and socializing."

In the midst of EMERGENCY, we practice urgency of service and the urgency of love for others✨

God bless us all

👏👏👏👏, the best and most intelligent public speech ever made during Covid-19. 🎩 off to him. SALUTE a great leader.


Saturday, April 25, 2020


Dear Brig Vidyasagar,

1. This has reference to my telecon with you today, a couple hours back  and discourtesy shown by you  by banging my call abruptly.

2.  Today I complete 75 years of my existence. I feel terribly sorry to shoot out a mail like this and spoil an otherwise solemn occasion for me. I am deeply pained and cannot wait for tomorrow in convey-ing my feelings & what I wanted to discuss with you.Had you shown some patience to listen to me this unpleasant communication could have been avoided .  Unpleasant  because, having been  conceived, nurtured and brought up this organisation called TSEWA, you  certainly do not deserve to receive  a communication like this from me.

3.  I know you do not have any patience to hear even a genuine advice  from any member of TSEWA  since you believe that you are all in all and the supreme authority in TSEWA, whatever you think and understand is gospel truth & whenever you get slightest oppo- rtunity  you do not mind beating your own drum and blowing  your own trumpet and publicise that TSEWA headed by you is the most democratic organisation!  You do not seem to realise that TSEWA has become an organisation absolutely domineered by itsChairman, under you. A recent example is that you turned down suggestion by Col Ajith Singh Rana  for filing a case  through TSEWA  for IT relief for war wounded veterans . You often forget that there are others also who had put in lot of hardwork and dedicated service in  bringing up TSEWA to its current status and that you are duty bound to listen to their suggestions also. I myself had single handedly and tirelessly worked over couple of years and co-ordi-nated three cases( having been nominated by TSEWA) & remitted  over  Rs25.00 lakhs towards the legal charges , from 500 odd  litigants. I did not ask for/accept even a single rupee from TSEWA  for the efforts put in and rendered absolutely  voluntary service( no regret on that). Filing AFT Case No-6, was perhaps  a milestone in the progress of TSEWA because it had enhanced  its credibility  as  an ex-servicemen welfare oriented organisation, apart from the fact that legal fee collected turned out to be  the much needed seed money for the organisation ! In spite of that, you did not accept my  proposal  for filing  a case to remove a great anomaly in the OROP sanctioned w e f 01 Jul 2014, wherein  Senior Officers are getting less pension  than their juniors(I , as a Selection Grade Lt Col who had put in 11 years service in that rank get much less pension  than  some  Lt Cols who had put in One year  service in that rank)  because of flawed interpretation of   the term 'equal service'.  Not only that you had ridiculed me mentioning that I was/am jealous  of those  who are getting more pension than me. On that occasion, I l kept quiet  and filed the case in AFT Delhi directly w/o going through TSEWA, because I didn't want to vitiate the atmosphere in the organisation.  However, this time  your mis-behaviour can not be condoned, because it affects not only me but host of litigants in various cases coordinated by me on behalf of TSEWA.  Having been instrumental in collecting money ( legal charges) and remitting to TSEWA,  am I not answerable to litigants and give them a satisfa-ctory answer on progress of the cases? Similarly, since I remitted the legal fee to TSEWA, are you not, as the Chairman (or someone on your behalf)  answerable to me(on behalf of the litigants) and inform  the progress & hold up in the cases for which I acted as Coordinator?  Your arrogance in banging my call is not acceptable at all ,Brig! You had chosen to render public service through an  Association of Tri-Services Veterans and can not turn your back  whenever you feel  like doing so and become discourteous  to its  illustrious members  who also had contributed  in abundance in bringing up the credibility, name & fame that TSEWA  enjoys  today.

4. When I rang you up today, first thing I asked was whether you can spare couple of minutes and hear what I wanted to tell you. Though   gladly answered in affirmative, you started interfering even before I could utter the first sentence . The moment I mentioned  AFT cases, you started yelling courts are closed etc. etc.  You  seem to have, perhaps,  forgotten, I also keep myself abreast with what is going on  in the country  and  am aware all courts are closed  during this shutdown . You did not have the patience and  disconnected the call abruptly. Though I made an attempt   to reconnect and complete what I wanted to tell, you did not show the basic courtesy   and banged the telephone  again ! I   was extremely polite , from my side,  and  had shown  no  dis-respect to  you .Your uncalled for action  of disconnecting the call  pained me beyond  comprehension   and hence this mail.

5.   I didn't want to put the points which I was to  discuss  with you in public domain.  Only thing I wanted  was to seek your opinion  and  know from you the future course of action on the cases already filed  through TSEWA and those in the pipeline for filing( pipeline for the past two or more years). Your discourtesy  has forced me to  go public  with the points raised below and seek opinion of the affected litigants (I do not require any response from you now). The points are :-

a)    As intimated  through the forum of TSEWA mail groups, we were  given to understand  AFT Case  OA 34/2016 had reached argument stage and verdict would  come through in a short time.  Today also , the moment  I mentioned   about OA 34/2016,  you told me that the case is in argument stage.  When I told your contention is wrong, you became furious and left the telephone.  As for the progress of the case please see  the Court Order  of AFT Delhi , dated 1703/2020.  The fact is that none of the Services HQ have so far submitted the CA, without which the case could  not proceed further. Why was then? , a false impression was created that the case is nearing culmination?  The Court Order mentioned is attached.

b)     So far , none of the new cases filed  by TSEWA has shown satisfactory progress. In TSEWA sponsored cases, only  disability  pension related cases have been won. This was obvious since already there was a precedence set by verdict of  Chandigarh AFT. What about other cases? . I had myself mailed you including  your Legal Team and TSEWA Legal representative at New Delhi and brought out the slow progress that the case (AFT Case No:6- Col(TS) Pension Case -1)  was making. I do not remember to have received   a satisfactory reply from any one of   you , on not even a single occasion !  I  do understand , we have to wait for the court has to reopen, for further progression of the already filed cases. 

c)     However, seeing the slow progress and not even lukewarm response from TSEWA, I had suggested long back that the cases waiting in pipeline must be called off and legal fee should be re-funded to those who are interested to get it back. So many litigants who had joined the cases through me have contacted for refund. There had been no outcome of my communication to you, except that you diverted the responsibility to your Legal Team & Legal representative at Delhi, who, it  seems, have taken an oath to keep mum (they always have excuse that they did not receive such mail). If  you have not taken any action on this suggestions, is there any thing wrong if I believe/presume that you have already made payment to the Lawyer far in excess of what he has done so far & put yourself  an inexplicable  situation. My Dear Brig, all these matters have to be absolutely transparent and you owe a satis-factory reply  to the litigants who had bet on the promises made by you that TSEWA is capable of and will win the cases 


6.  Those who are litigants of  TSEWA sponsored cases which have not been filed so far( not filed for the past two years or more) are requested to kindly respond to TSEWA under intimation to me.


Lt  Col  K P  Radhakrishnan (Retd)
 E-1/175, Sobha Hibiscus,
 Bellandur Post, Bangalore-560103 



OA 34/2016 with MA 14/2016
Brig S.K.S.Rana (Retd.) & Ors. ......Applicants
Union of India & Ors. .......Respondents
For Applicant : Mr. Anil Srivastava,Advocate
For Respondents : Mr. K.S.Bhati,Sr.CGSC for IAF
Dr.V.S.Mahndiyan, Advocate for Navy



Counter affidavit has not been filed either by the Air Force or

Dr.V.S.Mahndiyan, Advocate has appeared for Navy submits
that he will be filing counter affidavit within a week. Same be filed within a week with copy to the applicant.

As regards, Air Force is concerned, Mr. K.S.Bhati, Sr.CGSC
submits that he has been asked to file counter affidavit.

However, no inputs have been received so far. As such, he seeks time to file counter affidavit on behalf of the Air Force. He further states that although, counter affidavit was filed on behalf of Army but that also lacking some particulars, as such fresh counter affidavit will be filed on behalf of the Army. 

Same be done within four weeks with copy to the applicant.

Relist on 08.07.2020. 



(Source _ Via - e-mail)