Monday, September 29, 2014

Grant of Dearness Relief to Central Government pensioners/family pensioners — Revised rate effective from 17.2014

Monday, September 29, 2014

Grant of Dearness Relief to Central Government pensioners/family pensioners — Revised rate effective from 17.2014

F. No.42/10/2014-P&PW(G)
Government of India
Ministry of Personnel, Public Grievances & Pensions
Department of Pension & Pensioners” Welfare
3rd Floor, Lok Nayak Bhavan,
Khan Market, New Delhi – 110003
Date: 29th Sept, 2014

Subject: Grant of Dearness Relief to Central Government pensioners/family pensioners — Revised rate effective from 17.2014.

The undersigned Is directed to refer to this Department’s oM No. 42/10/2014-P&PW(G) dated April, 2014 on the subject mentioned above and to state that the President is pleased to decide that the Dearness Relief (DR) payable to Central Government pensioners/family pensioners shall be enhanced from the existing rate of 100 % to 107% w.e.f. 1st July 2014.

2. These orders apply to (i) All Civilian Central Government Pensioners/Family Pensioners (ii) The Armed Forces Pensioners, Civilian Pensioners paid out of the Defence Service Estimates, (iii) All India Service Pensioners (iv) Railway Pensioners and (v) The Burma Civilian pensioners/family pensioners and pensioners/families of displaced Government pensioners from Pakistan, who are Indian Nationals but receiving pension on behalf of Government of Pakistan and are in receipt of ad-hoc ex-gratia allowance of Rs.3500/- p.m. in terms of this Departments OM No. 23/1/97-P&PW(B) dated 23.2.1998 read with this Department’s OM No. 23/3/2008-P&PW(B) dated 15.9.2008.

3. Central Government Employees who had drawn lump sum amount on absorption in a PSU/Autonomous body and have become eligible to restoration of 1/3 commuted portion of pension as well as revision of the restored amount in terms of this Department’s OM No. 4/59/97-P&PW (D) dated 14.07.1998 will also be entitled to the payment of DR @ 107% w.e.f. 1.7.2014 on full pension i.e. the revised pension which the absorbed employee would have received on the date of restoration had he not drawn lump sum payment on absorption and Dearness Pension subject to fulfillment of the conditions laid down In para 5 of the 0.M. dated 14.07.98. In this connection, instructions contained in this Department’s OM No.4/29/99-P&PW(D) dated. 12.7.2000 refer.

4. Payment of DR involving a fraction of a rupee shall be rounded off to the next higher rupee.

5. Other provisions governing grant of DR in respect of employed family pensioners and re-employed Central Government Pensioners will be regulated in accordance with the provisions contained In this Department’s OM No. 45/73/97-P&PW (G) dated 2.7.1999 as amended vide this Department’s OM No. F.No. 38/88/2008-P&PW(G) dated 9th July, 2009. The provisions relating to regulation of DR where a pensioner is in receipt of more than one pension, will remain unchanged.

6. In the case of retired Judges of the Supreme Court and High Courts, necessary orders will be issued by the Department of Justice separately.

7. It will be the responsibility of the pension disbursing authorities, including the nationalized banks, etc. to calculate the quantum of DR payable in each individual case.

8. The offices of Accountant General and Authorised Public Sector Banks are requested to arrange payment of relief to pensioners etc. on the basis of these instructions without waiting for any further instructions from the Comptroller and Auditor General of India and the Reserve Bank of India in view of letter No. 528-TA, 11/34-80-II dated 23/04/1981 of the Comptroller and Auditor General of India addressed to all Accountant Generals and Reserve Bank of India Circular No. GANB No. 2958/GA-64 (ii) (CGL)/81 dated the 21st May, 1981 addressed to State Bank of India and its subsidiaries and all Nationalised Banks.

9. In their application to the pensioners/family pensioners belonging to Indian Audit and Accounts Department, these orders issue after consultation with the C&AG.

10. This issues with the concurrence of Ministry of Finance, Department of Expenditure conveyed vide their OM No. No 1(4)/EV/2004 dated 26th Sept.2014.

11. Hindi version will follow.

(Charanjlt Taneja)
Under Secretary to the Government of India

Source: cg eMP BLOG/


(Source-DESA & CG Emp blog)

Application form for purchase of car from CSD Canteen

(Source-DESA blog& CG

Thursday, September 25, 2014

Different retirement ages for Time Scale and Selection Grade Ranks in the Air Force are discriminatory: Supreme Court

The Supreme Court in a landmark decision today has upheld the order of the Armed Forces Tribunal 
wherein the discriminatory policy of different retirement ages for the ranks of Group Captain (Time 
Scale) vis-a-vis Group Captain (Selection Grade) was held illegal and struck down.

The Supreme Court has dismissed the appeal filed by the Ministry of Defence and the Air Force 
against similarly placed officers led by Gp Capt Atul Shukla, and has concluded the following in 
strong words:
Suffice it to say that the basis for classification in question for purposes of age of
superannuation which the appellant has projected is much too tenuous to be accepted
as a valid basis for giving to the Time Scale Officers a treatment different from the one 
given to the Select Officers.
We are also of the view that concerns arising from a parity in the retirement age of Time Scale
and Select Officers too are more perceptional than real. At any rate, such concerns remain
to be substantiated on the basis of any empirical data. The upshot of the above discussion
is that the classification made by the Government of India for purposes of different
retirement age for Time Scale Officers and Select Officers does not stand scrutiny on the
touchstone of Articles 14 and 16 of the Constitution as rightly held by the Tribunal.

The above closes another yet long tumultuous journey of affected officers. In fact, once the decision
 was rendered by the AFT, the Air HQ should have taken up a case with the Govt for rationalising 
the policy rather than unnecessarily challenging it before the Apex Court.

It is high time that litigation against own employees is considered on the touchstone of logic and 
equity rather than indulging in ego-fuelled appeals. It is time for the political executive to take a 
call on this and trample on the vicious cycle of luxurious litigation without accountability. 


Rationalization of casualty Pensionary Awards for the Armed Forces Officers and Personnel below Officer Rank (PBOR) invalided out from service prior to 1.1.1996: Extension of benefit of broad banding of percentage of disability/ war injury.

No 12(16)/2009/D(Pen/Policy)
Government of India
Ministry of Defence
Department of Ex-Servicemen Welfare

New Delhi, the 15th September, 2014

The Chief of Army Staff
The Chief of Naval Staff
The Chief of Air Staff
Subject:Rationalization of casualty Pensionary Awards for the Armed Forces Officers and Personnel below Officer Rank (PBOR) invalided out from service prior to 1.1.1996: Extension of benefit of broad banding of percentage of disability/ war injury.

The undersigned is directed to refer to the provisions stipulated in Para 7.2 of this Ministry’s letter No 1(2)/97/D(Pen-C) dated 31.1.2001 through which the concept of broad banding of percentage of disability/ war injury was introduced in respect of those Armed Forces Officers and Personnel below Officer Rank who were invalided out of service on or after 1.1.1996 on account of disability / war injury accepted as attributable to or aggravated by Military Service. The said provision for determining extent of disability / war injury was also extended to pre – 1.1.1996 invalided out cases from 1.7.2009 vide this Ministry’s letter No 10 (01)/D(Pen/Policy)2009/Vol II dated 19.1.2010 provided that the Armed Forces personnel were in receipt of disability element/ war injury element for disability more than 20% as on 1.7.2009.

2. Consequent upon receipt of reference from various Pensioners’ Associations for extending the provisions regarding broad banding of percentage of disability to such pre – 1.1.1996 Armed Forces pensioners from 1.1.1996 itself, the matter has been suitably examined in this Ministry. In partial modification of this Ministry’s above said letter dated 19th January 2010, the President is now pleased to decide that with effect from 1.1.1996, the benefit of broad banding of percentage of disability / war injury shall be allowed to Armed Forces Officers and PBOR pensioners who were invalided out of service prior to 1.1.1996 and were in receipt of disability element/ war injury element as on 1.1.1996. In such cases where the pensioner was not in receipt of disability element as on 1.1.1996 but became entitled at a later stage due to reassessment of disability more than 20%, this benefit shall be allowed from the same date. Similarly, in those cases where the pensioners were in receipt of disability element/ war injury element as on 1.1.1996 but the same was discontinued at a later stage due to reassessment of disability as less than 20%, the disability element/ war injury element shall be discontinued from the later date as hithertofore. However, in those pre-1.1.1996 cases where the disability element / war injury element was not allowed for disability being accepted as less than 20% at initial stage or subsequent stage on reassessment of disability, the same will continue to be disallowed and such cases will not be re-opened.

3. The disability element/ war injury element of pension in all such cases shall be recomputed accordingly under these orders by the Pension Sanctioning Authorities (PSAs) concerned for regulating payment under this Ministry’s letters No. PC 1{2}/97/D(Pen-C) dated 16.5.2001, No 16(6)/2008(1)/D(Pen/Policy) dated 4.5.2009 and letter No. 17(4)/2008(1)/ D(Pen/Policy)/Vol-V dated 15.2.2011. For this purpose, each affected Armed Forces pensioner who were invalided out of service prior to 1.1.1996 and were in receipt of disability element/ war injury element on 1.1.1996 or thereafter, shall submit an application in the format enclosed as Annexure to this letter to the PSAs concerned through their Pension Disbursing Agencies and Record Offices in the case of PBOR and through Pension Disbursing Agencies in the case of Commissioned Officers to PSAs concerned for revision of disability element/ war injury element. PSAs may, however, also identify the affected cases from the corrigendum PPOs issued by them based on the application received in terms of this Ministry’s above said letter dated 19.1.2010, and for issue of corrigendum PPO.

4. If a pensioner, to whom benefit accrues under the provisions of this letter, had already died on or after 1.1.1996 but before date of issue of this letter, the application for revision shall be submitted by the family pensioners or by his heir, as the case may be. Payment of LTA shall, however, be regulated as per the extant Government orders on the subject matter.

5. All other terms and conditions for grant / revision of disability element/ war injury element of pension in respect of Armed Force pensioners invalided out of service prior to 1.1.1996, which are not affected by the provisions of this letter, will remain unchanged.

6. This issues with the concurrence of Finance Division of this Ministry vide their ID No PC to 10(22)/2009/Fin/Pen dated 19/08/2014.

Hindi version will follow.

Yours faithfully

( Chanan Ram Saini )
Deputy Secretary (Pension)

Source: Department of Ex-Servicemen Welfare

Sunday, September 21, 2014

Victors who battled their own Army

CHANDIGARH: On August 15, 2009, as the nation celebrated its Independence, Sepoy Lakshman Kumar of the Dogra Regiment died after suffering head injuries in Ladakh. But his wife, Daxina Devi from Kinnaur in Himachal Pradesh, had little time to grieve as the Principal Controller of Defence Accounts (PCDA) in Allahabad denied her widow's compensation, because Kumar had died in an accident on the way to the toilet. They said he was "not on duty". 

Daxina Devi challenged the denial of compensation in an Armed Forces Tribunal (AFT), saying, "It seems strange that the office of the PCDA is suggesting that a person should not even go out to attend to nature's call and if he does, he shall not be considered on duty during those particular moments". In 2013, her persistence paid off and the AFT ordered she be paid Rs 10 lakh with 10% interest. They also reiterated that a soldier taking a lavatory break during work hours is still on duty for the nation. 

Battles like those fought by Daxina Devi in military and civil courts are the subject of a new book by Chandigarh-based lawyer Major Navdeep Singh. Titled Maimed by the System, the book is a collection of 19 real-life stories of defence personnel, military veterans, disabled soldiers and their families who have been wronged by the system, but fought to successfully claim their basic rights and dues post disability, battle and in some cases, even posthumously. 

Of the 19 cases in the book, 15 have been handled by Singh. He says the idea behind the book was not to focus on his work alone. "I wanted to highlight the uniqueness of the cases, lack of sensitivity shown by authorities and loopholes in the system," says Singh, a volunteer-reservist with the territorial army. 

Pension anomalies are the most common complaint, which can take years to resolve. In many instances, soldiers and widows are taken to Supreme Court by the Department of Ex-Servicemen Welfare (DESW) for an amount involving their basic pension of Rs 350 to 700. Singh claims currently there are over 10,000 cases pending on various issues in the AFT and other courts. If those who haven't approached the courts with their grievances are added, the number could go higher. 

The book focuses on those who successfully fought back. Take the case of late Captain Manjinder Singh Bhinder, who saved over 150 lives in Delhi's Uphar Cinema blaze in 1997. Bhinder, from the 61st Cavalry Regiment, himself perished in the fire along with his wife and young son. But while the army declared his death "attributable to military service", the accounts branch disagreed and changed the verdict. After seven years of litigation in Delhi high court, Captain Bhinder's father was given benefits and other dues. 

Late Sepoy Santokh Singh of the Punjab Regiment was discharged from the army on medical grounds in 1951 after 10 years service. The villager from Sehjo Majra near Ludhiana received disability pension for a bullet wound till 1959, when it was abruptly stopped without any reason being communicated to him. 

As the bullet remained embedded in his upper back, he sent numerous letters to the defence accounts department, which went unanswered until 1995, when he was told that his pension was stopped because his disability was assessed as less than 20%, which made him ineligible for benefits on medical grounds. In 2001, central government officials asked for a medical certificate from a civilian doctor to confirm the bullet remained embedded in his body. Following that, his disability pension was restored but he was denied arrears 42 years. His fight continued till 2006, when he passed away. Ironically, his five sons too are in the army. 

Paramjit Kaur's husband Sepoy Rup Singh posted in counter insurgency operations in J&K died in a bus accident en route home in 2007. Kaur, a resident of Moga district, Punjab, filed a claim that was rejected on the grounds of her late husband being on leave, not on duty, at the time of his death. She moved the Chandigarh bench of AFT, which ordered the Ministry of Defence (MoD) to pay her Rs 10 lakh ex-gratia. AFT also held that death of a soldier in an accident while travelling in military convoy, after proceeding on leave from his unit to home, should be deemed to be on performance of duty. 

"The ironically titled DESW functioning under the MoD has always received flak for imbibing a negative anti-military veteran ethos. A crude example of this is the fact that 90% of litigation initiated by the MoD in the SC is against its own disabled soldiers," says Singh, concluding, "It is hope and triumph that the book embodies, not despair. Rather than evoke disdain for the system, the book should act as a lesson and a mirror for all of us towards a foundation of positivity and compassion." 

(Source- Times of India)

Friday, September 19, 2014

Action to Be Taken By Retired Personnel When Still In Good Health And Sound Mind - by Brig Opinder Singh.

Let us at least try and make few changes so that our loved ones would not suffer after we go. We do not know what will happen in the future. But, as the Scout motto goes: “Be prepared.
Endorsement of Family Pension and Age of Spouse in Pension Payment Order (PPO).

1. Please check if your PPO contains an endorsement giving the name and age of the spouse and details of ordinary family pension. If it does not, at the earliest make out an application in triplicate and send it to the agency that had issued the PPO - PCDA (Pen) Allahabad/PCDA (N) through PDPA/CABS. Make sure to attach all supporting documents and duly attested joint photograph as indicated in the specimen. Keep a copy the application in the master folder that you will be making for the spouse for follow up action if necessary in case the endorsement is not received during your life time.

2. The PPO may contain endorsement of the name of the spouse as family pensioner but theage of spouse may not be recorded either in the PPO or in any other document in yourpension folder maintained by your Pension Disbursing Agency (PDA) (your bank or theagency from whom you receive your pension). In such a case, you may apply for necessary action to the DESA with copies of proof of age of your spouse. Furnish any supporting document such as a copy of the statement of family particulars submitted by you at the time of your retirement or certified and notarized copy of your spouse’s birth Certificate, driving license, SSLC/Matriculation certificate, passport, voter identity card or any other normally accepted proof.

3. When the endorsement and the acceptance of age of spouse are received, attach them tothe original PPO and also make a few copies for safe custody. If the endorsement and the record of age of spouse do not exist and if you do not take action as indicated above, after your time your spouse has to go through a cumbersome and time consuming procedure to get the family pension properly authorized along with record of age- so do not delay.

NOTE: The original PPO should contain an endorsement about the family pension indicatingan enhanced rate of family pension and an ordinary rate. If there is no such endorsement,please take it up with the authorities concerned as indicated in paras 1 and 2 above. In theevent of the pensioner’s demise before the age of 67, the spouse/family pensioner isentitled to the enhanced rate for seven years or till the date on which the pensioner wouldhave attained the age of 67 whichever is earlier. Thereafter the ordinary rate would apply.In both cases, the rates as periodically revised, along with the revision in pensions by successive Pay Commissions, would apply.

Bank Account for Pension

4. If you are drawing your pension through a single bank account in your name and if, atthe time of your retirement or within one year thereafter, you have not made a nominationin favour of your spouse, please do so immediately. This will enable your spouse to receive, after your time, any balance left in that account as well as any arrears of pension due to you during your life time. Consult your bank on the procedure for nomination.

5. It is now permissible to convert your single bank account for pension into a joint accountwith your spouse/person mentioned in your PPO as the one entitled to receive familypension. If you have not already done so, please submit an application to your bank to this effect. After your time the joint account will become a single account in your spouse’s name into which the family pension and any life time arrears (LTA) can be credited. It is desirable to make a nomination as indicated in Para 4 above even if the pension account has been converted into a joint account so as to ensure trouble-free payment of your(LTA) to the spouse/nominee after your time.

6. If you do not wish to take action as per 4 above, open a joint account in the name ofyourself and your spouse, preferably in the same bank, if you have not already done so.This will automatically become a single account after your life time and the family pensioncan be credited to this account. Alternatively, open a single account in the same bank in the name of your spouse so that, when the time comes, on advice to the bank, the family pension can be credited to this account. Also ensure that your spouse makes a nomination in favour of a child/family member or any other person of her/his choice for this single account so that when the need arises, the nominee can get the amount left in that account without any further formality.

7. Make sure that the nominations/ conversions into joint account as applicable as per paras 3, 4 and/or 5 above are duly reflected in the bank records and also keep the relevant copies of such endorsements in the master folder for your spouse.ECHS Membership

8. Ex-Servicemen Contributory Health Scheme (ECHS) came into effect on 01 Apr 03 as apublic funded Government Health Scheme for provision of medical care to Ex-Servicemen(ESM) in receipt of pension or disability pension and their dependants including spouses(wife/ husband), legitimate children and wholly dependant parents. If you have not alreadydone so, you may consider enrolling yourself as a member. Please contact the nearest ECHSPoliclinic/Naval Station for detailed information and assistance in enrolling.

Check all your nominations

9. It’s a usual practice to put a name (i.e., in the first place if you have mentioned it) and royally forget about it. Most of us have named one of our parents as a nominee forinvestments, bank accounts opened before marriage. We have not changed the same evenyears after they are no longer there with us. Even your salary account usually has no nomina-tion. Therefore, kindly check your Nominations for :-

- Bank Accounts
- Fixed Deposits, NSC
- Bank Lockers
- Demat Accounts
- Insurance (Life, Bike or Car or Property)
- Investments
- PF & Pension Forms


10. We have passwords for practically everything. Email accounts, Bank accounts; even forthe laptop you use. What happens when your next of kin cannot access any of these simplybecause they do not know your password? Put it down on a paper.Investments

11. Every year, for tax purposes, we do investments. Do we maintain a excel sheet about it.If so, is it on the same laptop of which the password is not shared? Where are thosephysical investments hard copies? Put all documents in a file systematically.


12. When you take a loan say for your house or car, check out on all the what ifs.... .what ifI am not there tomorrow? what if I lose my job? Will the EMI still be within my range? Ifnot, get an insurance on the loan. The people left behind will not have to worry onsomething as basic as their own house.


13. Open a sufficiently big and thick folder and title it as ‘ACTION TO BE TAKEN IMMEDIATELY ON THE DEATH OF (YOUR NAME). This folder will contain all relevantdocuments, letters and instructions to facilitate appropriate and timely action by thespouse/family members when the time comes.


14. It is always advisable to execute a will. No particular form is prescribed by law. It can behandwritten or typed on thick paper with each page signed by the testator and the attestingwitnesses. Registration of the will is optional. The only legal requirements are:-

the testator should be of sound and disposing mind at the time of executing the will, the testator has signed in the presence of two attesting witnesses each of whom will also sign in the presence of the testator and an endorsement to this effect is necessarily made before the signature of the testator after which the attesting witnesses should affix their signatures along with their addresses. However legal advice may be taken to prepare the will to suitindividual circumstances. 

It is also necessary to ensure that the nomination as mentioned in Para 4 and 5 above and the provisions of the will are consistent with each other.You and your spouse may also consider her/his executing a separate will to cover all contingencies such as her/his pre-deceasing.

15. Place the following in separate envelopes with the details of the contents written on them and place the envelopes in a Master folder.

(a) Original and one copy of the Pension Pay Order (PPO) (the latest) issued by PCDA (Pensions) Allahabad PCDA (N) as applicable to you.

(b) Original and one copy of the bank nomination Proforma (refer para 3) received from the bank/Pension Disbursing Office if applicable.

(c) Original and a few signed copies of the will (refer para 11).

16. Make out the letter of intimation in required number of copies, including some spare copies, to be completed by filling in the blanks, signed and sent by the spouse when the time comes. Also prepare an envelope of appropriate size for each of these letters and typeout or write the corresponding address on the envelope. Serially number the envelopes in the same order as in the distribution list of the letter. Place all these envelopes in the master folder.

17. The letter of intimation mentioned in para 13 above mainly relates to service requirements, formalities, pension and benefits. Several other agencies, (eg associations, clubs, time share companies, credit card agencies etc), besides service ones, with whom you have dealings, will have to be informed and have to take appropriate action when the time comes. You may prepare letters and addressed envelopes as suggested in para 13 above to cover such cases also.


18. A doctor has to confirm and certify the death. If it takes place or is confirmed in a hospital, clinic or nursing home, get the certificate from the doctor attending or in charge. If at home, get a doctor to visit, confirm death and certify. The certificate is required to be taken and presented at the funeral place as without it the body will not be allowed to be cremated/buried. If possible, get this certificate in duplicate so that one copy is availablefor reference if required later.

19. Inform close relatives and friends on telephone.

20. Decide on the timing and venue of funeral.


21. Present the original of the certificate mentioned in para 1 above at the funeral place. After cremation/burial has been performed, obtain a receipt to that effect from the person in charge at the funeral place. This is required to be produced when applying for the death certificate from the municipal authorities.

22. Make a few (3 or 4) copies of the receipt mentioned in para 4 above for reference if required later.

“YEAR OF THE EX-SERVICEMEN' - Death Certificate

23. As soon as possible after the initial formalities are over make out an application in the prescribed form if any (to be obtained from the concerned office). Enclose the application, along with the original of the receipt from the funeral place, addressed to the Registrar of Births and Deaths, hand it over to the concerned office and obtain a receipt. In case it is not possible to hand over the envelope to the office, send it by registered post, acknowledgement due. Ask for at least ten original signed copies of the death certificate. Please note that some recognized hospitals certifying the death as per para 1 above are also authorized to receive the application and issue the death certificate. 

24. Normally deathcertificate is issued in 3 to 4 days. As soon as you get it make several copies of the death certificate, about a dozen or so, as they will be required to be submitted for several purposes. Action Relating to Service - for Record, Family Pension and other Benefits

25. As soon as possible after collecting the necessary documents such as the death certificate, take out the master folder marked ‘Action to be Taken Immediately on the Death of ______’. Take out from the folder the envelopes serially numbered 1 to--- with addresses already typed/ written on them. Date the letter of intimation in each envelope, fill in the blanks as indicated below and sign the letter.

(a) Date and cause of death in para 1

(b) Death certificate number, date and issuing authority in para 2.

(c) Para 4. Retiring pension- at the time of making these instructions, the retiring pension is Rs..... (basic) pm. If there is no further change till date, enter this amount; if there has been asubsequent revision, enter the latest figure. The PPO Corr mentioned is the latest available If a Corr has been subsequently issued, add the reference No of the same at the end of this para and also enclose a copy of this Corr in the envelope for Dept of Sainik Welfare.

26. Prepare each envelope for dispatch by enclosing the documents as mentioned against the addressee in the distribution list of the letter. If feasible, hand over the envelopes to the bank and the Dept of Sainik Welfare and obtain an endorsement of receipt in the master copy. Alternatively send them as well as the letters to AFGIS and CDA by registered post acknowledgement due. The rest of the letters may be sent by ordinary post.

27. It may take about 30 to 45 days for the addressees to take necessary action. If after 45 days the required action is not taken by any of the addressees, you may send a reminder with a copy to the Association Branch with a request for assistance to expedite action.

28. Keep a copy of any letter sent to these or any other addressees for future reference.

29. The action indicated in the specimen mainly relates to service related requirements. You may like to make the instruction sheet more comprehensive by adding details of your investments and their disposal, your specific wishes on religious rites, disposal/donation of eyes etc, changes in the action list in the event of the spouse pre -deceasing you and any other instruction that you consider appropriate. Place this instruction sheet on top of all other contents of the master folder and keep the folder, suitably covered, in a safe place. In case you wish to donate your eyes or other body parts, this should be mentioned in bold letters right on top in the instruction sheet.

30. Explain to your spouse and other family members the purpose of the whole exercise, the details contained in the instruction sheet and the place where the master folder is kept. Make sure that they understand all the requirements and will be able to take action as necessary when the time comes. They should also know whom to approach if they are in trouble and need assistance.

Have you already done this or else do it now?

1. Check if your pension account is joint?

2. Ensure spouses and your date of birth is entered correctly in the account details.

3. Complete FORM B afresh and submit to the bank.

4. Keep details of your PPO number carefully and let your spouse know about it. Write it on the passbook.

5. Become a member of ECHS it is to your advantage in a serious illness.

6. Check if you are getting correct Pension/Family pension.

7. The bank is bound to give you a pension slip every month please demand it and ensure bank gives you.

8. JCO and below please check if you are getting increased pension from01/07/2009. This increase is not for Widows.

9. If you are getting disability pension then ensure you have given the form to the bank for increase in pension. Old disability upto 49% is now 50% old 50 to 75 % is now75% and beyond that it is 100% .The pension is also applicable to those who served with the disability and not invalidated.

10. Keep all your accounts and financial documents in joint name.

11. Do not handover the original PPO and other documents to anyone. Please give only xerox copies.

12. Make your will and keep it safe with someone you trust. Keep your spouse informed. Amend it as and when required. A will does not need to be registered and should be signed by any two individuals who have no interest in the will.

13. Demand Annexure IV from your bank. They are duty bound to give it to you.

14. Every year in Nov ensure Life Certificate is given to the bank.This need not be signed by the branch manager of the Bank paying pension but any of the following :

1. A serving or pensioned person exercising the powers of a Magistrate underthe criminal procedure code (Act-V of 1898).

2. A registrar or sub-registrar appointed under the Indian Registration Act 1908(XVI of 1908).

3. A Gazetted Officer.

4. A Munsif.

5. A police officer not below the rank of Sub-Inspector incharge of Police station.

6. Post Master, a Departmental Sub-Post Master or an Inspector of Post Office.

7. Officers of the Reserve Bank of India and other PSBs in respect of pensionersdrawing pension from Banks.

8. The head of the village Panchayat, Gram Panchayat or Head of an executive committee of a village.

9. Retired Commissioned Officers of the Armed Forces in respect of pension bill form IAFA-319 of Commissioned Officers, departmental Officers and Warrant Officers.


1. All Wills should be clear-cut unambiguous and precise. Please refer to AO 4/91.

2. An Executor can be a beneficiary under the Will.

3. Witnesses cannot be beneficiaries under the Will.

4. All Wills are revocable. However, in case of revoking any Will especially so a registered Will – it should be clearly stated in the latest Will that, “All previous Wills, whether registered or un-registered, whatsoever and wherever, stand revoked and cancelled”. This will avoid any controversies.

5. It should be noted that a registered Will takes precedence over an un-registered Will. Hence in case of any revocation or alteration of an earlier Will, the latest Will must be registered.

6. Probate is mandatory for immovable properties situated in West Bengal, Pondicherry, Chennai and Mumbai. The Executor of the Will has to apply for the probate in the courts concerned in these States.

7. Probate is not necessary in other States of India, especially so if the Will is a valid registered document. 

Choice of an Executor

8. Execution of any Will rests with the Executor of the Will. Hence it is imperative that the executor be an honest, trustworthy and reliable person.

9. It is advisable to have a younger person in good health as an Executor, to try and ensure that he/she does not pre-decease the Testator of the Will. To avoid such an eventuality, an Alternative Executor may also be appointed in any Will.

10. It is advisable to appoint a reliable lawyer as an Executor, in case the property has to be divided amongst different heirs, or if a Will gives only life interest to any one person and thereafter the ownership rights vest with someone else.

11. The Executor must know the contents of the Will and be will and be willing to execute the Will according to the wishes of the Testator.

12. The Executor must be a resident of thesame town as the Testator, to enable him to executethe concerned Will, legally and expeditiously.

Choice of Witnesses

13. Witnesses need not know the contents of the Will, but they must be present at the time with the Testator and all of them must sign the Will in the presence of each other.

14. Beneficiaries cannot be Witnesses to any Will.

15. Witnesses should preferably be younger to the Testator, of sound integrity and good financial position, to ensure that they cannot be “bought over” by any disgruntled beneficiary or relations.

16. Witness should also be permanent residents of the same town as the Testator, so that they can easily give evidence in Court, if required.

Contents of a Will

17. It is advisable Not to disclose the contents of a Will to the beneficiaries. Such disclosure generally leads to un-necessary arguments, and harassment of the Testator.


18. It has been observed that the tendency to treat the elderly dependents with a degree of callousness, is becoming rampant in our society today. It is therefore advisable that the Testator of WILL makes full provisions for financial independence for self and spouse while executing a Will.


1. In case of death due to an accident lodge an FIR at the nearest Police Station, and get their written clearance before last rites are performed.

2. Arrange last rites even in cases of natural demise only after getting Medical Certificate of Death from a doctor. Intimate location, date and time for ‘Chautha’/Prayer meeting to all concerned preferably through an insertion in the News Paper(s).

3. Publish Obituary in Local Paper(s).

4. Obtain Death Certificate-20 or more copies from the Municipal Authority forRegistration of Births and Deaths. These are required to be submitted with all claims.

5. Forward the information with certified photocopy of the Death Certificate andrelevant details of the deceased to the following: -

(a) PCDA (Pension), AG’s Branch MP 5 (b), PS-4 and Army Officer’s
Benevolent Fund.

(b) AGI For life Insurance cover as applicable.

(c) Bankers For family pension, FDs, Loans (if any) and Locker.

(d) Station HQ Surrender Identity card of the deceased and issue of Canteen Card.

(e) Clubs For transfer of membership or refund of security deposit as

(f) Municipal Authority/AWHO/DDA (as applicable) For transfer of
House/Apartment to single name of the surviving spouse as per the WILL of the deceased.

(g) MTNL For transfer of tele connection and future billing.

(h) DVB For future billing for power consumption.

(j) ITO For closing the IT file of the deceased and linking up with the Files ofbeneficiaries. Also applicable for wealth Tax assessment.

(k) Licensing Authority For Motor Vehicles, and Personal Arms and farm Machinery Tractors etc.

(l) LIC/GIC For insurance policies covering Life, Medical, Property etc.

(m) Rajya Sainik Board For issue of Ex-servicemen Widow IdentityCard.

6. Obtain Probate of WILL if required by applying to the Dist Judge under Indian Succession Act 1925.

 With warm regards

 Brig Opinder Singh.
Tele Numbers...0172-2632501, 9914709980.

Add....2501/B, AWHO Flats,Sector 47/C,CHANDIGARH.)