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SBMPC - General Secretary Report
General Secretary’s Report
Pranams to every one of you. I owe every one of you gratitude. Thanks, infinite.
Our Central Committee craves for condoning the delay in conducting this Conference,
which was due on the 29th September, 2015. Our Central Committee recognizes
the magnanimity of members of our Commune. I would proceed further, if you
condone the delay.
On behalf of Central Committee of State Bank of Mysore Pensioners’ Commune,
I am presenting saga of our toil, efforts, successes, achievements, benefits,
accomplishments, short-comings, victories, failures, and pains during last four years.
I am placing this report for you to dissect, debate, argue and suggest. We should
also be creating a Blue print of our activities for next term.
Dear Sirs and Madams, when someone you love becomes a memory, the memory
becomes the treasure. Still, it is painful. Simply, it is impossible to fill the Vacuum.
The most painful Goodbyes are the ones that are never said and never explained.
During last four years more than 250 of our friends, ex-colleagues, superiors, sub-
ordinates, gurus and shishyas, are not with us. They have reached heavenly abode.
We shall all join together to pray. SBMPC dips its banner in honour of the departed
colleagues and Let the departed souls rest in peace.
We are fortunate. Unlike earlier terms, we lost only one member of our Committee,
Shri Srikantaiah. Ever smiling and always helpful Shri Srikantaiah was member of
Central Committee of our Commune. He was Mr.Dependable. All of us were
fortunate to have such persons as members of our Committee. But, it is unfortunate
to lose such a person.
During last four years, we have lost many eminent personalities. The list is very
long. But, some of them are :
Dr. A.P.J. Abdul Kalam, Justice V.R.Krishna Iyer, R J Sridharan, N Sampath, A.B. Bardhan,
Chavez, Margarat Thatcher, Lalgudi Jayaraman, T.M.Soundararajan, Mohan Dharia,
G P Deshpande, S S Thiagarajan, Satyapal Dang, Dr.Narendra Dabholkar, Pran Chopra,
Anjali Devi, M.V.G.Nair, U.R.Ananthamurthy, Benoy Konar, N.Mahalingam, Phillip
Hughes, K.Balachandar, P.S.L.M.Haragopal P.B.Srinivas Rao, Dilip Mukherjee (RRB),
J.S.Varma, Samar Mukherjee, Sarojini Varadappan, J.S.Bhatnagar, Veliam Bhargavan,
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SBMPC - General Secretary Report
T.K.Dutta, Nelson Mandela, G.S.Shivarudrappa, Parvathi Krishnan, R.Umanath, Attun
burrough, Mandalin Srinivas, Kushwant Singh, Deven Verma, R.K.Laxman,
Shakunthala Devi, Manna Dey B.P.Bajpai, R.A.Mittal, Sis Ram Ola, Kali Ghosh,
N.K.Swamy, Dr.Shanthi Patel, Bipan Chandra, Som Benegal, Rajam Krishnan,
A.R.Antulay, C.R.Venkateswaran, Nagoor Hanifa, Lee Kuan Yew P.S. Gopalakrishna
Pillai, M .S.Viswanathan, Manorama Sharad Joshi A.B.Bardhan A.Nageswara Rao
Gopinath Mundhe S.K.Vyas Govind Pansare, Noorul Huda, Sadhana, Mufti Mohammad
Sayeed, Ritu Panighom, Sushil Koirala, B.N.Nagarajan, Kannada Writer Kalburgi,
K.G. Kamath, Ritupani Ghosh, Kamala Ramakrishnan, Bani Deshpande, Mrinalini
Sarabhai, M.A.M. Ramasamy, Balram Jakhar, O.N.V.Kurup, Jagmohan Dalmiya, Saeed
Jaffrey, Syed Zahoor Qasim, S. S. Tarapore, Nida Fazli, Sudhir Tailang, K.V.Krishna
Rao, J.F.R. Jacob, Sarosh Homi Kapadia, Abdul Rashid Khan, Rajesh Vivek Upadhyay,
V. Rama Rao, Mangesh Keshav Padgaonkar, Ustad Sabri Khan, Ashok Singhal,
Shankaran Nair, Lakshman Rao Mohite, G M Natarajan,
We shall all join together to pray. Let the departed souls rest in peace.
It is a custom and practice to thank those who had helped, in closing paras of
General Secretary’s report. But, we have decided to set a new and desirable trend
of thanking in the beginning of this report. It is they who are responsible for
achievements during last four years. It is their support, advise and hard work,
working shoulder to shoulder in achieving some positives for the benefit of members
of our Commune. There are some who have helped me personally in discharging
my duties as General Secretary. We shall take time to be thankful for everything
that we have. We can always have more, but we could also have less !
Jennifer Gayle says : Find beauty in the things around you, choose patience and
happiness, being thankful in this moment and appreciate all of the little things in
life that mean so much. - Be still, see the bigger picture beyond yourself, see its
beauty. Sometimes it takes hitting rock bottom for your eyes to be truly opened.
Our members form the life line of our Commune. There is no Commune, without
you. Your confidence in the Committee has given us immense strength to do very
small things for you. Our Committee is aware that what we have done is nothing
great in the backdrop of your support, your participation, your love and affection.
Tremendous support we are receiving from our members gives us courage and
conviction to serve them better. Today’s attendance has demonstrated our strength
and we would proudly say our members are second to none in their Commitment.
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SBMPC - General Secretary Report
With your financial support and your presence in person have made our Organisation,
one of the strongest Bank Retirees’ organisation. Everywhere, numbers matter. You
have become member of our Commune and added numerical strength. When we
requested you to strengthen our finances, you are generous. You are contributing
your mite by giving standing instructions. Whenever, we have given a call to
participate in Agitation program, you are present. In every such program every
second person is our member. With your participation, you have strengthened our
Commune. On behalf our Central Committee, thank you very much. As Prasad,
personally, I would like to thank you. It is you who has made a nondescript person,
what I am today. Thank you and Thank you very much.
We owe our members, sincere thanks. Dear friends, entire committee joins me in
thanking you. Thanks, a trillion.
Management of our Bank, State Bank of Mysore should be thanked for every possible
help. You have given us, everything what you can give. We understand, your
limitations. You have given us many benefits, which many or most of other Banks
have not given to their former employees. Every one of you have helped our
members. You have given us space, both in your hearts and premises. Infinite
thanks, sirs.
Deputy General Managers, Chief Managers and every Officer and workman in
Industrial Relations Dept., Pension, Gratutity Dept., & Provident Fund Department
deserve special thanks.
Contribution and help of Dr. K Lakshmisha, Director of our Bank and Shri Jayesha,
General Manager is immense and helped us in every step and whenever we required
their help. We thank both these gentlemen for their help and contribution.
We thank Shri S C Jain, General Secretary, Shri Deshpande, President and Shri S V
Srinivasan, Deputy General Secretaryof our Apex Organisation, All India Bank
Retirees Federation, our Apex Organisation for all the advise, guidance and help.
They value strength and contribution of our Commune. We are thankful to them.
It is not only the Organisations, viz., SBM Employees’ Union and Associate Bank
Officers’ Association – SBM Unit, but also leaders of these organisations, especially,
Com S R Powar, General Secretary and Shri N Rangaswamy, President and every
other leader of SBM Employees Union and Shri R Ramesh, General Secretary,
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SBMPC - General Secretary Report
Shri Harikrishna, President and every other leader of Associate Bank Officers’
Association – SBM Unit have treated our Commune as their own Organisation and
helped us. They are with us. We are proud that we have such wonderful employees’
and officers’ organisations in our Bank, Mysore Bank. We thank them for everything
they have done to us.
I bow my head before every member of my Central Committee for standing with me
through thick and thin, when our Commune had to face challenges. You never
allowed dilution of our independence in functioning and with all humility at my
command, I would say, thanks. Thank you very much.
There is one gentleman, who retired along with me, way back in 2001. Today, he is
there in the Office every day. Whether, General Secretary or President or the
Treasurer, present in the Office or not, he is present. He has done every possible
thing in helping each one of us. Thank you, Shri Ramachandra.
He is 90 years young on next 1st December. He is working assiduously for our
Commune, during last 21 years. His mere presence itself reminds that we are not
old. We are so young. When he can, why not we ? Every one of us should thank
Shri C E Sundar Rao, our Founder Treasurer. Thank you, Sir. Hats off !!!Your
Commitment and sincerity. But, for his support and presence, perhaps I would not
have spoken to you today. Therefore, I would like to thank you very much. Words in
my vocabulary are not sufficient to thank him. Thank you Sir.
Our President, Shri N Jagannathan is 87. Over 50 years of serving Bank Employees
and retirees, is a great achievement. He is an iconic figure. His contribution by
forming a Retirees’ Organisation, SBM Pensioners’ Commune and his continued
service is also responsible for all of us being here. He continued to guide us. All of
us join you in thanking him for his sacrifice and contribution.
Most of Office Bearers of our Commune who are in Bangalore and involved in day
today activities of our Commune do not have much of Trade Union experience. We
need advice and guidance of those who have decades of experience. We had the
privilege of Shri Ka Na Shri’s advice and guidance. We are thankful to him.
We have the privilege of service, aid, assistance and advise of Shri Siddagangaiah.
Personally, I have drawn plenty of support and guidance from Shri Siddagangaiah.
Every one of us, I included is thankful to him.
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SBMPC - General Secretary Report
There is young, committed and sincere brigade which is working for welfare of our
Bank retirees through our Commune. They would be in the office of our Commune,
every day whenever, their presence is required. Smt. Geetha Devi, Smt. Shylaja
Kumari, Shri Shamsundar, Shri Dayananda Kumar, Shri Taranath, Shri Sathyanarayana,
Shri Siddaramappa, Shri Govindappa and Shri Thulasi Prasad.
We fail in our duty and gratitude is absent if we fail to thank Shri M Anjani, Shri S
Gundu Rao, Shri T S Nagaraja, Shri H S Nanjunda Swamy and other Senior members
of our Commune, Shri C Gopinathan Nair, former Vice President of AIBRF and Shri C
Gopinathan Nair, Organising Secretary of AIBRF and also President of Coordination
Committee of Associate Bank Retirees’ Organisations.
Shri T V Gurumurthy was our General Secretary from 7th April, 2011 till 12th March,
2012. Under his leadership, our previous Conference was conducted. It is on account
of his efforts, we started visiting Staff Learning Centre for attending Pre-retirement
Training Programs and converting a ‘godown looking’ Office to a decent office. We
are thankful to him for his contribution and service. We also congratulate him on
receiving Kempe Gowda Award.
We fail in our duty, if we do not thank Shri S Siddagangaiah, Shri K Chandrashekar,
Shri K Hanumantharayadu and Shri Changalaraya for coming out with an idea of
providing Pensioners’ Wallet and also sponsoring the same.
Shri Mohandas Rao, who is a resident of Shimoga should also be thanked for his
guidance and participation, through our Google Groups. Many of our members
have derived benefit out of his service and has certainly reduced our work to the
great extent.
It isan usual practice to include National, International, Banking, etc. scenarios in
General Secretary’s Report, detailing various happenings around the world. But,
our Commune has decided to move away from this tradition. Our members are
retired and well informed. They have luxury of free time post retirement. This has
enabled them to learn and understand far much more than what we can add in the
General Secretary’s report. Instead, it is felt that the valuable and scarce time be
utilized for discussing and highlighting issues concerning Bank retirees’ in general
and our members in particular. This congregation should discuss, dissect and find
solutions for the problems faced by our members. Huge challenges we face do not
provide us time to discuss issues like how many days our Prime Minister of our
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SBMPC - General Secretary Report
Country was away from India. Therefore, we shall focus on problems and solutions.
We shall utilize every minute of time we spend today and optimise the results.
Our Commune and its footsteps :
It is said that those who forget History, will not even be a part of the History. During
last four years, over 2000 have joined us. They may not have the knowledge of
journey of our Commune. Therefore, we are duty bound to inform them as to our
History.
On the 29th October, 1995, a vibrant and committed Bank Retirees’ Organisation
was formed. The Venue, Sir M Vishweshwaraiah Auditorium, Head Office Building
witnessed congregation of over 150 retirees of our Bank. It was also a memorable
day when three doyens of Bank Employees’ movement in our State of Karnataka in
general and our Bank in particular, occupied the stage. They were Com P S
Sundareshan, Com N Jagannathan and Com M Anjani. They need no introduction.
Com P S Sundareshan inaugurated the Organisation. Com N Jagannathan was
elected as the President. Com M Anjani facilitated formation of this organisation.
We are proud that Com N Jagannathan is the President of our Commune for over 20
years. Perhaps, he is the longest serving President of any Bank Retirees’
Organisation in this country. Com M Anjani is proud member of our Commune.
Com P S Sundareshan continues to guide us. The first General Secretary or founder
General Secretary was Late Shri H S Janardhan, the first Cash Officer of our Bangalore
Branch. He continued as the General Secretary till he left this world. He was a
Retired Officer.
For all of us, Union means, State Bank of Mysore Employees’ Union and Association
means, Associate Bank Officers Association: SBM Unit. When, this Commune was
born, vision of founders was that Pensioners’ Organisation means only one
organisation for all former employees of our Bank, i.e our Commune now, which
was Unionthen. With the cooperation and understanding of retirees and pensioners
of our Bank, State Bank of Mysore Pensioners’ Commune is the ONE organisation
for every retiree/pensioner of our Bank. The vision of visionaries who are responsible
for forming one composite organisation is the guiding factor and remain a guiding
factor.
It was felt that the word ‘Union’ in the name of our organisation indicates that this
organisation is for those who retired as award staff. With a view to erase such an
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SBMPC - General Secretary Report
impression and to make our Commune truly inclusive organisation, both in letter
and spirit, the word ‘Union’ is replaced with the word ‘Commune’. Perhaps, there is
no other organisation in this country with the word ‘Commune’ in it. The meaning
of ‘Commune’ is ‘Converse or talk together, usually with profound intensity, intimacy,
etc; interchange thoughts or feelings’ or to be in intimate communication or rapport’
if used as a verb or ‘a group of people living together and sharing possessions and
responsibilities’ or a close-knit community of people who share common interests’,
if used as a Noun.Every meaning is wonderfully appropriate.
Now, our Commune is the confluence of every retiree of our Bank. Understanding
and foresight of our leaders is proved to be right.
State Bank of Mysore Pensioners’ Commune has travelled the journey of over 20
years. There are very few bank retirees’ organisations which are as old as our
Commune. This journey has taught us many lessons, which other retirees’
organisations had no such opportunity. Historically, the period of last four years
has situations or events which have brought cheers or pains. Events and information
of this period is presented to you.
Our membership :
The objective of our Commune is to bring in every former employee of State Bank of
Mysore into its fold. Functionaries of our Commune are aware that continuous and
sustained efforts are required, especially when more and more retirees have already
become members. We have continuously and assiduously, made efforts to bring in
non-members into our Commune’s fold. We also believe that the confidence in our
Commune would only grow with conduct of its functionaries, how it responds, how
members are treated, how issues are identified and tackled and performance. We
have undertaken many activities/measures to reach out to the retirees of our Bank.
Those who had not become members have started appreciating the activities and
commitment of our commune. We have provided them reasons to become our
members. Increase in the number of our members and response to our request to
become member of our Commune, has confirmed that members of our Commune
have faith in our Commune.
Following activities/efforts have helped our members and non-members and are
some of the reasons for growth of our Commune :
a. Our sincere efforts to secure some of the Benefits ;
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SBMPC - General Secretary Report
b. Programs, Celebrations, Seminars and Workshops conducted during the
period 2013 -2016 ;
c. Imparting knowledge regarding post-retirement life to retirees during Pre-
retirement Training Program, as to various benefits, steps to be taken during
post-retirement period, options available for investments, etc.
d. Distributing most useful Kit at the time of retirement ;
e. Contacting those who have not become members, personally ;
f. Sending Medi-Assist E-Cards ;
g. Flow of information by SMSs and Email.
h. Faster flow of information ;
i. Information through various media.
We have attended every Pre-retirement training provided at Staff Learning Centre,
Mysore and interacted with the participants. We have provided them with a kit,
which has formats of the forms which are useful, post retirement, information
regarding method of calculating terminal benefits and copies of our Magazines &
Circulars. We have also assisted them in obtaining Senior Citizens’ Identity Cards,
if they are residents of Bangalore. We have guided them how to secure these ID
cards, if they are not staying in Bangalore. All these efforts have raised their
confidence in the functioning of our Commune.
We have created an environment, where the retirees of our Bank feel that there is
an organisation which would take care of their future. They are also confident and
feel that our Commune would bring in best possible benefits. This feeling and aura
has resulted in more and more retirees of our Bank becoming our members. Figures
speak for themselves.
During first five years, our Commune added 625 members. 278 of our Bank retirees
have become members of our Commune during next five years. Our membership
reached 1524 at the end of 2010.
Our Commune had 2150 members at the end of 2011. On the date of last conference,
we had 2572.
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SBMPC - General Secretary Report
Our Commune has added 2102 members during this period of four years. In the
same period, number of those who retired is 1530. It can be observed that those
who have retired earlier are becoming members of our Commune in large numbers.
They have observed the activities undertaken by and functioning of our Commune.
Now, we have over 85% of retirees of our Bank as members. It is our desire and
dream that before the end of this year, we would like to cover 90% of retirees. With
your cooperation, it appears to be easier.
Our Cadre and designation is like a game of chess. While playing, we have King,
Queen, Rooks, Bishops, Knights and Pawns. But, after the game all of them are
placed in a box. Only one Box. Similarly, till we are in services, we have various
cadres and designations. On retirement, there is only one designation, ‘Pensioner’.
All of them join one organisation, State Bank of Mysore Pensioners’ Commune.
Only way to wipe out any feeling that our Commune is ‘Union’ and mostly retired
Award Staff are its members, we have mapped designation/cadre of our members
at the time of their retirement. We have over 1300 members who were Officers,
while in service. On behalf of the Central Committee, I request and appeal for
bringing your every friend into the family of our Commune. This has lot of significance
post-merger.
We have the ambitious target of adding 1,000 members during this year, 2016. So,
far we have added 664 members in eight months & fifteen days. We have three
months and fifteen days’ time left to add another 336 members. With your support
and involvement, we are confident that we would add 1,000 members.
Date No. of Members Membership
added Number
1st October, 2012 2572
31st December, 2012 (3 months) 52 2624
31st December, 2013 365 2989
31st December, 2014 456 3445
31st December, 2015 565 4010
16th September, 2016 (8 months & 16 days) 664 4674
Total 2102
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SBMPC - General Secretary Report
Central Committee has approved admission of these members. We urge upon this
General Body Meeting to confirm their membership.
Our Bank’s Merger with or acquisition by State Bank of India :
Media and also umpteen rumours reported and discussed proposed merger of
Associate Banks with State Bank of India. These reports and rumours were false.
Mergers did not take place. At periodical intervals over a period of couple of
decades, mergers were discussed. Such news was dismissed with contempt. But,
on 18th June, 2016, merger information was received with pain, shock and
bewilderment. Though impact of merger on retirees is insignificant, still it is painful
to note that the organisation which gave us ‘Roti’, ‘Kapada’ aur ‘Makan’ would be
there only as a part of history. Thereafter, ‘MYBANK’ is ‘STATE BANK’.Processes
relating to merger is in full swing. One may receive information regarding merger
at any point of time.
We have already assured members who are pensioners that payment of Pension
to Associate Bank Retirees would continue to be in terms of Bank Employees’
Pension Regulations, 1995 and merger of Associate Banks, including State Bank
of Mysore cannot alter quantum of pension. Details of post-merger scenario
are awaited. It is pre-mature to discuss benefits that may be made available to our
Bank retirees post-merger. But, it is certain that some benefits like distribution of
Sweet Packets on Bank’s Foundation Day, Payment of amount under Shradhaanjali
Scheme (But, our Commune is launching ‘Shradhaanjali’ Scheme, today), Annual
Diagnostic Charges out of Staff Welfare Fund may not be available post-merger.
Our Bank retirees are not naive to believe that these kinds of benefits would be
made available to Associate Bank retirees, without extending these benefits to
retirees of State Bank of India also.
Till date we were discussing issues/requests/benefits with our Bank Management.
Many of these issues are required to be decided by the Corporate Centre of State
Bank of India, by the top management. Further, State Bank of India is not a party to
any settlement/Joint Note as far as Pension matters are concerned. Since, their
Pension Regulations are different, decisions in respect of Pension matters in State
Bank of India is decided at the Bank level itself. But, for those who are covered by
Bank Employees’ Pension Regulations, 1995, improvement of pension is decided at
Industry level, involving Indian Banks Association. But, other benefits extended by
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SBMPC - General Secretary Report
State Bank of India are not yet clear. Therefore, we need to have two different
roles. This issue is discussed in detail as a part of issues concerning organisation.
But, majority of opinions expressed in the Questionnaire is that we should continue
to maintain our Identity.
It is our opinion that we should not only continue as ‘State Bank of Mysore
Pensioners’ Commune’, we should also continue to enroll employees who were
working for State Bank of Mysore, but retired from State Bank of India, on account
of merger. Then, our organisation continues to grow. We should chalk out programs
for continued growth of our Commune.
But, there is no doubt or dispute that every retiree in Associate Banks should come
under one umbrella, as far as subjects to be discussed with Top Management of
State Bank of India. Formation of groups based on various criteria would harm the
interest of Associate Bank retirees. Today, we need to take several decisions. Some
of the decision relate to membership of our Commune and its future.
Our activities :
Our Commune does not restrict its activities to activities/events associated/directed
by our Apex organisation, All India Bank Retirees’ Federation. We believe that
strong base units with committed membership alone would strengthen Bank
Retirees’ movement. This is possible only by indulging in various activities, other
than agitation programs. We are extremely pleased to report that we have organised
several programs for the benefit of our members. It was dreams and desire to have
conducted many more such programs. We assure you that we would continue to
organise such programs during years to come.
Centenary of our Bank :
It is a privilege and a life time opportunity to witness completion of 100 years of
existence of an Organisation for which one has toiled for decades, sincerely to the
best of one’s abilities. We are also a part of the history of State Bank of Mysore.
We are also fortunate that we have amongst us, those who were working in Bank of
Mysore Ltd. We also have, amongst us, who have played a major role in
establishment, strengthening and growth of State Bank of Mysore Employees Union
and Associate Bank Officers’ Association – Mysore Unit. We feel that our Bank,
State Bank of Mysore, our Union, State Bank of Mysore Employees’ Union, our
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SBMPC - General Secretary Report
Association, Associate Bank Officers’ Association – Mysore Unit and we, the retirees
form four pillars of this successful saga. We are joined by more than 4600 retirees
and over 10000 employees who have contributed for successful saga of our Bank,
in celebrating completion of existence of glorious 100 years. We celebrated
Centenary of our Bank in an exemplary manner.
Sunday, the 2nd February, 2014 is a red-letter day in the annals of our Bank, State
Bank of Mysore, our Organisation, State Bank of Mysore Pensioners’ Commune and
every retiree of our ‘My Bank’. It is on that day, Vijaya College auditorium was over-
flowing with retirees of our Bank, when they congregated to celebrate 100 glorious
years of State Bank of Mysore, for which retirees have toiled for decades. They had
the opportunity to chew memories of their working years. They could meet several
of their former colleagues after decades. Every one of them was also proud to have
worked for this great organisation. The event was memorable and every participant
would remember this event for a long time to come.
Retirees were greeted with placards with years starting from 2013, the year in
which namma bank turned 100 through every year till 1913. Entrance of the
auditorium had the year 1913, the year in which our Bank was founded. These
placards with years 1913 to 1959 had ‘Bank of Mysore Ltd’ and ‘State Bank of
Mysore’ was inscribed on the placards with years from 1960 to 2013.
Celebrations commenced with release of Balloons. At 11 a m Managing Director of
our Bank, Shri Sharad Sharma released 100 White and Blue Balloons. Each of 100
retirees also released a balloon.
More than 700 retirees congregated in the auditorium. Our Managing Director, Shri
Sharad Sharma, General Managers of our Bank, Shri Lakshmisha and Shri Vijay
Dube, Shri V Manjunath, former President of SBM Employees’ Union and Shri S
Gundu Rao, former Chairman of ABOA were among the dignitaries seated on the
dias. Our member, Smt. Parvathi Murthy rendered Invocation. Thereafter,
Celebrations were Inaugurated by Lighting the lamp by our Managing Director, Shri
Sharad Sharma. In his inaugural address, Shri Sharmaji wished that our Bank would
celebrate 200 glorious years. He also accounted the contribution of former
employees. He also urged retirees to support the Bank in every possible way.
Thereafter, Shri Lakshmisha explained the contribution of our Bank for the
development of Karnataka. He also explained the journey of 100 glorious years of
Mysore Bank with a power point presentation.
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SBMPC - General Secretary Report
Our Chief Guest of this programme, Shri H N Anantha Kumar, MP and former Minister,
Government of India appreciated the need for improvement in Bank Pension Scheme.
He also highlighted the need for improvement in pension, duly recalling the struggle
of his father during his retirement years. He also advised us to take a delegation to
New Delhi, where he would lead the delegation to various authorities including
Ministers, Members of Parliament and Bureaucrats. He also said that Bank retirees
deserve pension updation and appreciated need for improvement in family pension.
He also stated that Retirees’ Organisations should also be involved in discussion/
negotiation with regard to issues confronting retirees.
Thereafter, a huge cake was cut by Shri Anantha Kumar and our Managing Director,
Shri Sharad Sharma. Shri Ravi Subramanya, MLA who was present on the occasion
alongwith Shri Anantha Kumar, released our house Magazine, ‘Shathayu’.
Shri V Manjunath, former President of State Bank of Mysore Employees’ Union
recalled the contribution of employees during 100 glorious years of State Bank of
Mysore. He explained the sacrifice of employees for the growth of the Bank.
Shri S Gundu Rao and Shri Vijay Dube also greeted retirees on the occasion. Shri H
S Nanjunda Swamy, our Senior Vice President presided over and vote of thanks was
proposed by Smt.Shailaja Kumari, Organising Secretary. Shri M Putta Swamy,
Secretary compered.
This event was covered by Samaya News Channel and it is also reported in Kannada
Prabha on the 4th February, 2014.
We are also thankful to M/s Adamya Chethana, which is providing free mid-day
meals for two lakh school children for sponsoring the lunch. Smt Thejaswini Anantha
Kumar is the Life Trustee of Smt Girija Shastry Memorial Trust which is undertaking
this programme under the banner of ‘Adamya Chethana’. Our Commune donated a
sum of Rs.10,000/- recognising the contribution of ‘Adamya Chethana’.
This was the first event, other than our members’ meeting or Conferences, to be
organised by our Commune.
Meeting of our Bank retirees who are practicing advocates
A meeting of retirees of our Bank who are practicing as Advocates was organised
by our Commune on the 20th October 2014. An extended Central Committee meeting
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SBMPC - General Secretary Report
was also conducted on the same day, wherein these Advocates were also invited.
Many Advocates participated and legal perspective of various issues confronting
our Bank retirees were discussed. We had also invited our member, Shri S Gundu
Rao, former Chairman of ABOA:Mysore Unit and he also participated in the
deliberations. A resolution was also passed in the meeting to launch agitation
programs in the event of State Bank of India and/or our Bank do not consider and
resolve various pending issues, many of which are legitimate and genuine. The
General Secretary was also directed to chalk out these programs in consultation
with other Senior Office Bearers and also forward this resolution to our Bank
Management.
Workshop on Inheritance and Devolution of properties on 22nd September,
2014
It is our endeavour to provide right information and educate our members regarding
various aspects of Life. It is also required to know rights and duties. And also
about entitlements and commitments with regard to properties they own. These
properties may be Self-acquired or inherited. In this direction, it was felt that many
of our members have desire to understand what is their right in respect of properties
– both movable and immovable, whether self-acquired or inherited. They also want
to know to what they have received as their share of Ancestral property is correct.
Many of them also have desire to know to what extent they have right to pass on
their assets to their Spouse, Children and/or other Legal heirs. They also desire to
understand as to means, methods and instruments to pass on their asset. They
should also know about the precautions they need to take, when they inherit or
when they pass on. Many of us are not aware of cost and legal implications of all
these aspects. In order to help them in avoiding any legal tangle, we had organised
a Seminar with the title ‘Your Property, Inheritance & thereafter – Your Rights, Duties
and Responsibility’ on Monday, the 22nd September, 2014 at ADA Ranga Mandira,
Opposite to Ravindra Kalakshetra, J C Road, Bangalore at 2 30 p m.Shri K R Keerthi,
DGM (Law) of our Bank and practicing Advocates (and our members), Shri LV
Muralidhara and Shri M Y Kumar spoke. More than 400 of ourmembers present on
that day, were enriched by the knowledge shared by these legalluminaries. Subjects,
they dealt with included Inheritance and Devolution of properties.
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SBMPC - General Secretary Report
Seminar on Controlling your asset – Second Part& Honouring Com. J Lokesh :
We had organised a Seminar on ‘Controlling your Asset after you’ at Vijaya College
Auditorium on the 2nd November, 2014. This was organised in association with
Council of Financial Planners. Shri Pradeep Hattangadi, Shri A Suresh and Smt Neeti
Trivedi explained various aspects of Estate Planning including Wills, Assignments,
Lien, Nomination, etc. Those who attended had loads of knowledge to carry. Over
450 of our members attended this program and one thing is common in every program
organised by our Commune. ‘Want more, much more’. Our members desire
organising many such events. We also believe that well informed membership is
essential.
We are also happy to note that our Bank paid a sum of Rs.25,000/- towards organising
this event. Perhaps, this is the first event, where our Commune was able to secure
such contribution from our Bank.
Shri J Lokesh, our member and former Secretary of SBM Employees’ Union has also
made us proud when he was honoured by Karnataka State Government with
‘Rajyothsava Prashasthi’ on 1st November, 2014. He was also honoured by our
Commune on that day. Perhaps, our Commune is the first to honour him on his
achievement.
State Bank of Mysore Employees’ Union :
Bank Trade Union movement in our Bank commenced with our SBM Employees’
Union. Our Commune was also founded with the aid and assistance of SBM
Employees Union. We continue to have the privilege of support from our SBM
Employees’ Union. Triennial Conference of SBM Employees’ Union was held in
Bangalore on the 27th and 28th March, 2015. Inauguration of the Conference was
held on the 27th March, 2015, evening. Shri N Rangaswamy is elected as President,
Shri Miland Katti and Shri Pandu as Vice Presidents, Shri S R Pawar as General
Secretary, Shri Raghavendra, Shri Krishna Murthy, Shri Ravishankar, Shri Yogeshwaran
and Shri Venkoba Rao as Secretaries and Shri Sarveshwar Rao as Treasurer. With
the present0.2 leadership, we have an excellent relationship with SBM Employees’
Union.
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SBMPC - General Secretary Report
Associate Bank Officers’ Association – SBMUnit :
Triennial Conference of ABOA – Mysore unit was held on the 11th of October, 2015
at Bangalore. Shri Harikrishna G (President), Shri Raju D (Vice President), Shri Ramesh
R (General Secretary), Shri Nagesh V N (Deputy General Secretary), Shri Thulasiram
(Treasurer), Shri Deenadayal G, Sriram S, Shri Arora D K (Asst. General Secretaries),
and Ms.Roopa J Rao, Sreejit V K, Sunil V, Nataraj B H M, Shri Bhaskar Pai
Ramachandran C, Chandrasekhar K M, Suresh H G, Murali J (Secretaries) are elected
for the next term. We are privileged to have support of Officers of our Bank
represented by Associate Bank Officers’ Association.
Retirees of Mysore Bank request and expect continued cooperation and assistance
from SBM Employees’ Union and Associate Bank Officers’ Association – SBM Unit
in securing legitimate benefits.
Meeting with Managing Director (A&S), State Bank of India and Shri
Harshavardhan Madhubashi, General Secretary, Associate Bank Officers’
Association :
On behalf of Coordination Committee of Associate Bank Retirees’ Organisations,
we had a meeting with Shri Kannan, Managing Director (A&S), State Bank of India
on the sidelines of Joint Meeting of Executives of State Bank of India and its
Associates with leaders of Associate Bank Officers’ Association held on the 22nd
December, 2014 at Bangalore. We have impressed upon the SBI management for a
meeting of representatives of retirees’ organisations in Associate Banks with
representatives of SBI Management. We have also requested the SBI management
to extend various benefits which are available to its retirees in State Bank of India
and also order payment of benefits in respect of which cases are pending before
various courts, such as addition of 5 year notional service to VRS-2001/Exit Policy
retirees, Pension Option to Exit Policy retirees, etc. We have been assured that
they would consider our request. In the meantime, we also had a meeting with Shri
Harshavardhan Madhubashi, General Secretary, ABOA. Shri Guruswamy, General
Secretary, ABOA : Mysore unit who was present, also supported our cause. Shri
Harshavardhan Madhubashi assured us that he would take up issues raised by us
with MD, A&S Department of State Bank of India. He has since taken up the matter
with MD, A&S Department of State Bank of India. We are thankful to Shri
Harshavardhan.
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SBMPC - General Secretary Report
Workshop on Medical Insurance at Bengaluru, Mysore and Tumkur :
Our Commune is in the forefront in providing information and guiding members in
various aspects of retired life. Earlier issue of Mysore Bank Shathayu provided
complete information regarding importance of Medical Insurance. Workshops at
Bengaluru (19/10/2015), Mysore (31/10/2015) and at Tumkur (21/11/2015) were
organized.
Medical Insurance Workshop for the benefit of our members residing in Tumkur
District was held on Monday, the 19th October, 2015. Over 60 of our members
residing at Tumkurparticipated in the Workshop.
A meeting of our Members was organised on the 31st October, 2015 at Babbur
Kamme Hostel, Mysore Premises. This meeting was organised for the twin purposes.
Explaining all about medical insurance scheme and also inauguration of celebration
of 20 years of service by our Commune are two objectives. 70th Birthday of Shri H
S Nanjunda Swamy was also celebrated on that day. Over 200 of our members
participated in the program and got clarification in respect of every doubt/query of
them.
Workshop on Medical Insurance Claim processes at Bengaluru and Tumkur
A program to make members understand about claiming Medical Insurance was
organized in Bengaluru on the 12th January, 2016 at 2 30 pm at ADA Ranga Mandira,
J C Road, Bengaluru. Representatives of MediAssist India, the Third Party
Administrators, who manage claims under IBA Group Medical Insurance Scheme of
our Bank, explained claim processes, in detail. They also answered every question
and cleared doubts with regard to claim processes. Perhaps, SBM Pensioners’
Commune is the only Bank Retirees’ Organisation to conduct such an independent
program.
The response of the members was also overwhelming. Over 700 members attended
this program and most of them were from Bengaluru.
Medical Insurance Claims Process Workshop for the benefit of our members residing
in Tumkur District was held on Saturday, the 13th February, 2016. Over 75 of our
members residing at Tumkur participated in the Workshop.
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SBMPC - General Secretary Report
Grievance Cell Meeting was held on 24/07/2015 :
Memories of members are recalled with regard to the concept of constitution of
Grievance Cell and periodical meeting of the cell to redress Grievances which was
introduced on account of efforts of our Apex Organisation, All India Bank Retirees’
Federation. One such meeting in our Bank was earlier held on 22nd March, 2012.
Even though, a meeting was conducted, the benefits derived by retirees of our
Bank, was also limited. Our Commune pursued continuously with our Bank
management for conduct of another meeting. Commune was asked to submit the
list of issues/demands and Grievances. Precedence, Court decisions, provisions of
Bipartite Settlements/Joint Notes, situations in other Banks, Legal positions, Law/
Rules, etc. were presented along with every required document, in support of issues
raised by our Commune. Still, meeting did not take place. Fortunately, Sri
Ramasubramanian, Director of our Bank who also belong to our tribe, raised this
issue at various forums/platforms, which culminated in conducting preliminary
Grievance Cell meeting. Shri Parthasarathy, then General Manager (HR & GA), Shri
Pradeep Kumar (since retired), the then Deputy General Manager and Shri K
Jayakumar, Chief Manager (IR) and every other Officer in Industrial Relations
Department helped retirees in organizing ‘Grievance Cell meeting’. Two
representatives from each of the Retirees Organisations in our Bank, viz. our
Commune and ABROA – Unit : Mysore were invited to attend the meeting. Our
Commune was represented by the General Secretary, Shri C N Prasad and Vice
President, Shri S Siddagangaiah.
The list of benefits include : Payment of Gratuity by including Extra-Ordinary Leave
on Loss of Pay, period of suspension, period of Temporary service, before
regularization and entire period of service instead of proportional service in respect
of part-time employees, Extension of another option to become a member of REMBS
to non-superannuated retirees, addition of ailments to the list of ailments covered,
removal of ceiling on amount reimbursed in respect of various ailments (which is
already implemented) and payment of full amount of bills, removal of discrimination
against SBMVRS retirees in respect of rate of interest on loan against own securities,
payment of pension/extension of pension option to those who retired under SBMVRS,
but served for a period less than 20 years, pension option to those who retired
under exit policy and five year notional service benefit to those who retired under
SBMVRS/Exit policy, Delay in settlement of terminal benefits, recovery of leave
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SBMPC - General Secretary Report
salary out of terminal benefit in respect of those who retire voluntarily, but absence
during notice period, without any leave at credit, Extension of pension option to
those who could not take advantage of second pension option, dispensing medicines
at Banks clinics to retirees, Payment of pension on 27th of every month, like SBI,
Loan to our Bank retirees at a concessional rate, Group Medical Insurance coverage
out of Staff Welfare Fund allocation and Reduction of Commutation from the date
of payment, instead of from the date of retirement.
Most of these benefits, we believe, have been agreed to be extended. Due to
some technical and inexplicable reasons, many of these agreed benefits have not
yet been extended. SBMPC is proud that it is the only retirees’ organization in the
country, which has compiled such grievances of retirees, many of which are not
extended in many other Banks also. We are pursuing conducting of Grievance Cell
meeting, where we reach logical conclusions.
Successes of efforts by our Commune :
Our Commune is raising various issues confronting its members. Our Commune
has succeeded in some and but, not yet in some others. This does not mean that
our Commune has failed to secure some legitimate benefit. If our Commune has
not succeeded in some means that efforts are still on and issues have not reached
finality. But, our Commune is certainly proud that our Bank retirees have several
benefits which are not extended in most of the Banks. In most of such benefits,
our Commune has played its role. We have the advantage of enlisting support of
both Workmen’s and Officers’ Organisation. Many of the benefits secured are on
account of support and assistance of leaders of Union and also of our Association.
Some of them are :
a. Payment of Pension to our members even before Pension Regulations,
1995 was notified in the Official Gazette. Shri C E Sundara Rao, our
Founder Treasurer, is the first retiree in Associate Banks to receive
Pension ;
b. Our Bank is the first Bank to pay amount out of unclaimed/forfeited
amount laying in Provident Fund in the event of death of an employee,
as funeral expenses. This Scheme is named as ‘Shradhaanjali’. With
the efforts of our President and leaders of our Commune, this is extended
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SBMPC - General Secretary Report
to retirees also. Now, this is extended in every Associate Bank. The
amount paid, currently is Rs.15,000/-. Perhaps, our Bank is the first to
introduce and our Commune is the first to ensure introduction of such
scheme in the Banking industry ;
c. Diagnostic Charges is being reimbursed in our Bank, out of Staff Welfare
Fund allocation. This was introduced even before Govt. of India advised
Public Sector Banks to extend this benefit. The amount reimbursed
during last and this year is Rs.4,000/- for all former employees and
their surviving spouses. Perhaps, the only Bank to disburse such benefit
to all, irrespective of mode of their exit ;
d. Every benefit available to Superannuated Retirees is available to every
retiree of our Bank, irrespective of their mode of exit, except Scheme II
of REMBS ;
e. Only Bank, which is reckoning probationary period of service of part
time employees, while calculating pension, from the date of introduction
of pension ;
f. Pension is being paid under Regulation 29 to every retiree who has
retired voluntarily after serving for a period over 19 years and 6 months,
since 2007
These benefits are secured by our Commune before commencement
of this term. However, we are proud that we have secured following
benefits, during this term :
a. Initiating disciplinary proceedings against retired officers even after
completion of four years after Cause of action is completely
withdrawn. Now, no launching of disciplinary proceedings if four
years have lapsed from the date of cause of action.
Some of our members who have retired as officers, informed us that
they have received letters from Controlling authorities of Branches in
which these Officers have served. They have sought explanation from
these retired officers in respect of causes of action which arose or in
respect of earlier events, after a period of more than four years.Several
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SBMPC - General Secretary Report
audits had also taken place after these events took place and no malafide
have also been attributed to any of these decisions/actions of these
retired Officers. It is unfortunate that some Controllers had sought
explanation from these retired officers, in respect of such events/causes
of action. We took up this issue with the top management of our Bank,
duly quoting provisions of Regulation 48 of Bank Employees’ Pension
Regulations, 1995. We have succeeded in convincing our Management
and our Bank functionaries have stopped such actions of calling
explanations, etc.
b. Full length of service of part time employees is considered when
minimum required service to become eligible for pension :
Our Bank was reckoning part time service of Part time employees
proportionately, as provided in Appendix IV of Bank Employees’ Pension
Regulations, 1995. For those who have served for thirty years on one
fourth wages, only 25% of service is reckoned for calculation of Pension.
But, for those who had served for a period of ten years and on three-
fourth wages, service is considered as seven and a half years. Such
retirees were not eligible for pension if they have retired on attaining
superannuation, as the service reckoned is less than ten years, required
to become eligible for pension. We brought provisions of Regulation
14 which defined qualifying service to the notice of concerned
authorities. We have also helped them to differentiate qualifying service
from service reckoned for calculation of pension. We are extremely
happy to note that our Bank has commenced to reckon entire service
for the purpose of calculation of qualifying service.
This issue of reckoning proportionate service for the purpose of
calculation of pension was causing a great amount of loss to part time
employees. This is because a Part Time Employee on half wages with
30 years of service is reckoned as 15 years of service. Further, wages
taken into account was also 50% of wages entitled. Consequently,
service taken into account is 7 years and 6 months only, if full wages is reckoned.
This issue was raised by our Commune in several meetings of our Apex
Organisation. This issue was also taken up with UFBU constituents.
Finally, this anomaly is rectified in 10th Bipartite Settlement, which reads
as under :
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SBMPC - General Secretary Report
15(A). Pension for Part-time Employees
With effect from 1st November 2012, for the purpose of
calculating the amount ofpension in respect of permanent
part time employees in scale wages who are covered by
the Pension Scheme, their actual service shall be reckoned
for qualifying service and not pro rata. The actual service/
qualifying service shall be calculated from the date of
recruitment/appointment as permanent part time
employee in scale wages or from 1st September 1978
whichever is later.
But, the Banks extended this benefit to only those who retired on or
after 1.11.2012. This matter was again taken up at Office Bearers
meeting held at Ahmedabad. Now, with the the aid and assistance of
Shri S V Srinivasan, Deputy General Secretary of our Apex Organisation,
AIBRF, this issue is resolved with direction from IBA to all its member
Banks, who are parties to 10th Bipartite Settlement, based on the
clarification sought by AIBEA, the benefit is extended to all those who
were in service as on 1.9.1978 or later. But, the benefit or arrears is
payable only from 1.11.2012. We profusely thank our Apex
Organisation, AIBRF, its DGS, Shri S V Srinivasan and All India Bank
Employees’ Association.
We have also taken up anomaly regarding payment of Gratuity to Part-
time employees who have since retired.
c. Pension option to those who retired under Exit-2006/07 & under
VRS 2001 after serving over 15 years, but less than 20 years :
Pension Settlement dated 27.4.2010 provided for Pension option to those
who had opted for Provident Fund and retired. The settlement covers
‘retirement’ and all those retired on or after 29.9.1995/26.3.1996. They
had to pay 156% of management contribution of PF. Member Banks
extended this pension option only to those who retired on Superannuation
or under VRS – 2001. This option was not extended to those Retired
under various clauses/regulations. This option was not extended to
those Officers, who were voluntarily retired or compulsorily retired.
Those who have resigned are also excluded from this benefit. IBA/
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SBMPC - General Secretary Report
Banks denied this benefit invoking Regulation 22 of Bank Employees’
Pension Regulations, 1995 or absence of explicit clause covering those
who retired under other modes.
Many retirees, including our members, coordinated by Shri Madhava
Murthy and Shri Ramalingam filed Writ Petitions in Karnataka High
Court. Karnataka High Court decided in favour of Petitioners and ordered
pension option to all those who have completed 20 years of service to
opt for pension. But, Banks filed appeals.
On account of judgments by several High Courts including Judgment by
Karnataka High Court and on advice from Government of India , Indian
Bank Association instructed member banks to extend pension option to
those who retired under Regulation 19(1) of Officers’ Service Regulations,
1979, vide CIR/HR&IR/2012-13/G2/6213 dated 9th November, 2012.
Unfortunately, Associate Banks did not extend Pension option to Officers
who retired under Exit Policy 2006/07. Associate Banks took a stand
that these Officers have not retired under OSR 19(1), even though every
clause of this Regulation was applicable to these retirees.
Our Commune had launched agitation program, by submitting mass
memorandum during November, 2014. Our Commune initiated several
measures to secure this benefit. Retired Officers from State Bank of
Travancore succeeded in Division Bench of Kerala High Court, quoting
decision of Karnataka High Court. Our Commune assisted these Retired
Officers in filing Caveat in Supreme Court. Fortunately, State Bank of
Travancore did not file Special Leave Petition.
d. Pension option to those who retired under VRS – 2001 :
Another benefit where Associate Bank Retirees were agitating was
Pension/Pension option to those who retired under VRS 2001, after
serving over 15 years, but less than 20 years of service. Regulation 28
(Superannuation pension) of Pension Regulations was amended in all
Public Sector Banks, with an exception of Associate Bank, duly
incorporating provision for payment of pension to those who retired
under Voluntary Retirement Scheme approved by the Government,
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SBMPC - General Secretary Report
provided such these retirees have put in service over 15 years, but less
than 20 years. Associate Banks, specifically denied pension to those
who had put in 15 years of service, but less than 20 years, but retired
under Voluntary Retirement Scheme.
This issue reached Hon’ble Supreme Court. Civil Appeal filed by State
Bank of Patiala against Pritam Singh Bedi and others. Hon’ble Supreme
Court, though dismissed Civil Appeal filed by State Bank of Patiala, it is
stated that those who had served more than 19 years and six months
are entitled to receive pension under Regulation 29. But, orders were
not clear as to entitlement of pension by those who had served less
than 19 years & 9 months. State Bank of Patiala filed clarification
petition, which was also dismissed. But, the Court advised State Bank
of Patiala to file review petition. Review Petition was also filed and the
same was dismissed. State Bank of Patiala paid this benefit only to
petitioners. There are several such retirees who are not receiving
pension.
Before, Hon’ble Supreme Court decided this matter, Smt. Shankari, who
retired from State Bank of Hyderabad, was successful in Madras High
Court. The Court ordered extension of benefit. But, the Bank has filed
Writ Appeal.
But, similarly placed retirees from State Bank of Travancore filed Writ
Petition before Kerala High Court. Kerala High Court ordered payment
of this benefit. But, the Bank filed Writ Appeal. Writ Appeal was also
dismissed by the Division Bench, duly quoting Pritam Singh Bedi’s and
Shankari’s cases.
In the meantime, Joint Meeting of functionaries of ABOA and Top
Management of State Bank of India and Associates was held at
Bangalore on the 22th December 2014. The General Secretary and
Shri Siddagangaiah, Vice President, met Shri Kannan, Managing Director
(A&S), State Bank of India and Shri Harshavardhan Madhubashi, General
Secretary, ABOA. We appealed for payment of these benefits in
Associate Banks, which have been extended by every Public Sector Bank,
other than Associate Banks. It was indicated on that day itself, that
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SBMPC - General Secretary Report
these benefits would be extended. In the meantime, Shri Harshavardhan
also took up the matter with top management of State Bank of India.
We also assisted Petitioners who had retired under Exit Policy from State
Bank of Travancore in filing Caveat before Supreme Court. But, on
account of constant persuasion, State Bank of India decided to extend
these two benefits.
Most of these retirees had a feeling that this benefit would not be
extended. They never thought that they would be pensioners at the end
of 15th year of retirement. They had not left their contact details also.
Most of these retirees applied for Pension/Pension option. But,
substantial number of retirees did not opt, on account of lack of
information. In fact, one of them is staying in Nepal. The list of those
whose addresses were not available was published in our Magazine.
Due to our efforts, many of the eligible retirees got the benefit.
In the meantime, we requested our Bank Management to set off arrears
with 156% of Provident Fund amount refundable. We are extremely
pleased to report that our Bank not only paid arrears from 27.11.2009,
but also paid arrears after netting. Our efforts ensured that only in our
Bank, not only arrears was paid from 27.11.2009 in respect of PF optees,
from the date of retirement in respect of Pension optees, netting of
arrears with 156% was also allowed. Only in State Bank of Travancore,
arrears was paid from 27.11.2009 in respect of PF optees and from the
date of retirement in respect of Pension optees. However, netting was
not allowed. In all other Associate Banks, pension is being paid only
from 27.4.2010, both in respect Pension and PF optees.
e. Pension paid to Smt. Manoharamma, Family Pensioner.
Smt. Manoharamma, applied for family pension during the year 1998 as
Shri Muniswamy, her husband died during the year 1993. She pleaded
that she did not apply for pension as she was not aware of introduction
pension scheme in Banks during 1995/1996. She also pleaded that she
is residing at Punganur and illiterate. Unfortunately, our Bank refused
family pension with ‘delay’ as the reason. Our Commune also
represented on her behalf. On refusal, she filed Writ Petition before
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SBMPC - General Secretary Report
Andhra Pradesh High Court and Andhra Pradesh High Court ordered
extension of this benefit keeping in view her background. Our Bank
filed Writ Appeal and Writ Appeal was dismissed stating that family of
deceased employee is entitled to ‘Notice’. Our Bank has filed Special
Leave Petition which was also dismissed. Now, our Bank has paid arrears
of pension. While we congratulate Smt Manoharamma, we are also
requesting our management for extension of pension to similarly placed
retirees/family pensioners. Incidentally, name of our Commune also
finds a place in the Judgment of Andhra Pradesh High Court.
f. Payment of Gratuity(based on revised pay to all those Officers who
retired/died during the period from 1.7.1993 to 31.10.1994) to Smt
Saroja Shiva Kumar:
One of our members, Smt Saroja Shivakumar had filed Writ Petition
praying for payment of Gratuity based on revised pay of her Late
husband, Shri Shivakumar, instead of pre-revised pay as per Joint Note
dated 23.06.1995. Her Writ Petition was allowed. Writ Appeal by our
Bank was also dismissed by Division Bench of Karnataka High Court.
Thereafter, Special Leave Petition and Revision Petition filed by our Bank
have also been dismissed by Supreme Court of India. Since, the highest
Court in the Country has dismissed appeals. Our Bank did not agree to
extend this benefit to similarly placed retirees, stating that the Special
Leave Petition is dismissed without a detailed order, therefore, the law
is kept open and Bank is not bound by this order. It is unfortunate that
this matter has not yet been settled even after 22 years. The youngest
retiree, who is the beneficiary in this issue is 82 years.
g. Payment of full amount of Bill under REMBS, instead of limiting to
certain sub-limits :
Our Bank introduced SBM Retired Employees Medical Benefit Scheme
II vide PGP/01 dated 15.12.2012. Highlight of the Scheme is :
ü Maximum amount – Rs.7,00,000/- for self, spouse and invalid
children ;
Amount to be paid :Plan A Two months gross pension plus 15% for
2.00 lacs
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SBMPC - General Secretary Report
Plan B ‘ 42,600.00 for 3.00 lacs, ;Plan C ‘ 50,000.00 for 4.00 lacs
Plan D ‘ 57,000.00 for 5.00 lacs ;Plan E ‘ 62,000.00 for 7.00 lacs
ü Duration of coverage – Till entire amount opted is exhausted or
demise of both retired staff & spouse or exhausting limit as per
chosen plan
ü 20 ailments covered (a. Cardiac ailments b. Cancer c. Kidney Failure
/ transplant d. Paralysis e. Retinal detachment or cornea replacement
f. Major accidents g. Tumor h. Cerbro-vascular accidents / brain
hemorrhage i. Total hip / knee replacement j. Cataract and Glaucoma
surgery k. Tuberculosis l. Diabetes m. Appendicitis surgery n.
Prostrate o. Hernia p. Removal of Stone in Gall bladder q. Alzheimer’s
disease r. Parkinson’s disease s. Liver Cirrhosis [ non-alcoholic ] t.
Arthritis)
ü 10% of amount in entire life with 1% ceiling per annum can be
withdrawn for domiciliary treatment
ü Reimbursement basis only
However, our Bank was limiting the amount of reimbursement to the
limits of Scheme I. For example, maximum amount payable is Rs.30,000/
- for cataract in any one year, under Scheme I. But, Scheme II does not
restrict such amounts. Further, Service Tax component of the Bills were
also not paid. We took up this matter and our Bank is making payment
in full, without any sub-limits and without deducting Service Tax.
The new Scheme of REMBS – Scheme II allows only those who retired
on Superannuation, spouse of deceased employees and those retired
voluntarily on Medical Grounds after appearing before Bank’s Medical
Board. Now, we understand that other Associate Banks have allowed
all those who are members of Scheme I of REMBS to become members
of Scheme II of REMBS. Stipulation of appearance before medical board
is waived in respect of those who have retired voluntarily on medical
grounds. Consequently, those who have retired voluntarily on medical
grounds without appearing before Bank’s medical board are also
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SBMPC - General Secretary Report
allowed to join Scheme II in addition to those who have already become
members of Scheme I of REMBS. In other Associate Banks, time to
become a member of Scheme II is extended by three months. We have
represented to and requested our Bank Management to extend similar
facility in our Bank also. We have brought contents of Annexure III of
Circular No. CDO/P&HRD-PM/58/2015 – 16 dated 7th October, 2015 to
the notice of our Bank Management regarding extending another option
to join REMBS. We are confident that our Bank also allows such facility.
We are confident of introduction of this scheme.
h. Dispensing of blocking of accounts in the event of non-receipt of
Life Certificate :
Some of our members informed us that their accounts are blocked on
account of alleged non-submission of Life Certificate. They claimed
that the Bank was aware of their existence. They also informed that no
notice was also sent before blocking of such accounts. We were also
informed that some of the cheques issued by our members in such cases
were also returned on account of blocking of account. We took up this
matter with our Bank. We also brought to their notice as to provisions
of Pension Regulations. We are pleased to inform that our Bank issued
instructions vide PGP Circular No.1/2014 – 15 dated 19.1.2015 advising
branches not to block accounts on account of alleged non-receipt of
Life Certificates.
It is also brought to our notice that Pension is not credited on account
of non-receipt of Life Certificate, even though they had submitted Life
Certificate. Unfortunately, they had not obtained acknowledgement,
when Life Certificate is submitted. Therefore, we have advised our
members to submit Life Certificate only against acknowledgement.
We place on record the efforts of Shri C S Ramanath, our member, in
this regard.
i. Payment of Gratuity taking into account period of suspension :
We are happy to inform that Karnataka High Court, in Balakrishna Singh
Vs State Bank of Mysore and others, has ordered payment of Gratuity
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SBMPC - General Secretary Report
duly including the period of Suspension, even in cases where disciplinary
proceedings culminated in punishment, if final orders do not specify
non-payment of Gratuity on account of non-inclusion of period of
suspension under Section 2A of Payment of Gratuity Act, 1972. We
arepursuing the matter for extension of this benefit to all such retired
employees, who were suspended till the conclusion of disciplinary
proceedings which culminated in any form of punishment, including
warning.
j. Election of Dr.Lakshmisha as Director of our Bank representing Share
holders
Our Commune had appealed and requested our members to support
the candidature of our member, Dr.K Lakshmisha. He richly deserved
support of our Bank Retirees. Our members supported his candidature
and he won by securing nearly 90% of the votes polled. On behalf of
every member of our Commune, Our Commune congratulate Dr. K
Lakshmisha for his election as Share Holder Director of our Bank. We
are proud that we have a representative on the Board of State Bank of
Mysore. Among affiliates of our Apex Organisation, All India Bank
Retirees’ Federation, only our Commune has a representative on the
Board of the bank. Perhaps, if our representatives are there in Boards
of Banks, Bank Retirees can draw a lot of benefits. We hope other
affiliates of our AIBRF would also ensure that our representative is on
the Board of every Bank.
Our Commune assures whole hearted support to Dr.K Lakshmisha in his
new assignment. Every member of our Commune stands behind him in
his new assignment.
Dr K Lakshmisha is the Chief Convenor of this Conference. He has, in
fact, assisted and represented us and our issues were also taken up.
We are thankful to him, for his support.
Our Commune also thanks Shri S Ramasubramanian, for his support
and assistance for the cause of our Bank retirees. Even after demitting
his Office, he continues to assist retirees in taking up our issues with
the Management of our Bank.
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SBMPC - General Secretary Report
k. Payment of Diagnostic Charges to Family Pensioners/Surviving
spouses :
It is on account of efforts of our Commune, reimbursement of Diagnostic
Charges to Surviving Spouses deceased retirees/Family Pensioners was
introduced during 2011. Initially, the amount paid to them was Rs.1,000/
-. This was increased to Rs.1,500/-. Since last year, they are also entitled
to the amount equivalent to the amount being reimbursed to our Bank
retirees. Currently, the amount reimbursed is Rs.4,000/- to all retirees
and surviving spouses/Family Pensioners, irrespective of mode of their
retirement. Perhaps, our Bank is the only Bank, which is extending
such facility irrespective of mode of exit from the Bank.
l. Treatment at Branches :
Some of the retirees of our Bank have reported several problems faced
by them at our Bank Branches. Our Bank has extended several benefits
to our Bank retirees. They are entitled to such benefits, as a right.
They are also High Value Customers of our Bank. But, it is unfortunate
that some Officials at Bank Branches take whimsical decisions of
denying such legitimate benefits. In some cases, retirees were also
abused. In case, retirees of our Bank face any such problem, they were
advised to inform functionaries of our Commune, in writing. Our
Commune is in forefront to secure such legitimate benefits and does
not hesitate launching of agitation in front of such Branches of our
Bank, in the presence of media.
m. Establishment of Museum:
In the Annual General Meeting of our Bank held on the 31st May, 2016,
our member, Shri M Y Kumar raised the issue of establishment of Museum
for posterity, post-merger. The Chairman, agreed and appreciated the
suggestion. Our Bank is establishing a Museum in and around Shri
Lakshmi Statue at Bangalore Branch. Our Commune’s representatives
are also a part of the Committee to oversee establishment of Museum.
We have requested our members to provide photographs of their times.
It is also an opportunity to leave a mark, providing memorable pictures
of yesteryears. Many of our members have shared or handed over a lot
of material for establishment of Museum.
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SBMPC - General Secretary Report
n. Shradhaanjali Scheme :
June & July 2016 issues of Mysore Bank Shathayu have already reported
that payment of Rs.15,000/- on unfortunate demise of a retiree may
not continue post-merger. Central Committee in its meeting held on
the 26th June, 2016 deliberated on this issue at length and also discussed
ways and means to continue this facility. Committee decided
unanimously to introduce a scheme by the same name, ‘Shradhanjali’.
Our Commune, would continue to pay Rs.15,000/- as is paid by our
Bank, now under Shradhanjali Scheme, through a Trust formed by our
Commune. Every member of our Commune who becomes a member of
this Scheme, by paying one time amount of Rs.2,500/- would be covered
under this Shradhanjali Scheme. This Scheme would be launched in
5th Triennial Conference of our Commune to be held on 17th September,
2016. A part of amount collected out of advertisements placed in our
Souvenir would also be a part of Corpus of this Scheme.
Further, our Central Committee, in its meeting held on 3rd September,
2016 also decided to cover those employees including Officers who
are in service, under this scheme. Those employees who join this
scheme would become members of our Commune on their retirement,
automatically.
o. Webpage for retirees :
This issue is also one of the issues, our Commune is raising through
Grievance Cell. Now, we understand that creation of Webpage is
approved and would be available shortly. But, we are also aware that
this facility is also in existence in State Bank of India. We have been
informed that all retirees would also be provided with Email IDs, also
shortly.
p. Group Medical Insurance :
Our Commune do understandthe fears of our members regarding
continuity of Medical Insurance. All of us are aware that this Group
Medical Insurance was introduced by Banks, which are members of
Indian Banks Association and covered by Bipartite Settlement/Joint
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SBMPC - General Secretary Report
Notes, with an exception of State Bank of India. State Bank of India is
not covered by this portion of Bipartite Settlement. Therefore, the
present Medical Insurance Scheme is not available in State Bank of
India. If merger/acquisition does not take place before 1.11.2016, the
same insurance policy would have to be continued. We shall deal further
on this subject, later paragraphs.
q. Increase in Ex-gratia Pre-1986 :
All of us aware that the Pension in terms of Pension Regulations, 1995
in terms of Pension Settlement dated 29.10.1993 was extended to those
who retired on or after 1.1.1986. Those who retired earlier were entitled
to Ex-gratia. Ex-gratia Basic for retirees was Rs.300/- plus Dearness
Relief thereon at 0.67% per slab over 600 points of CPI. Currently, the
Dearness Relief is at 948.05% for 1415 slabs. The total Ex-gratia payable
is Rs.3,668/-. Surviving Spouse of deceased Pre-1986 retirees are getting
50% of this amount at Rs.1,834/-.
However, Ex-gratia to Pre-1986 was being paid at Rs.300/- plus Dearness
Relief thereon. Surviving Spouse of deceased Pre-1986 retirees were
getting Rs.1,000/-. But, due to efforts of our Apex Organisation, All
India Bank Retirees Federation and All India Bank Employees’ Union,
Ex-gratia is revised to Rs.350/- and Rs.175/- plus Dearness Relief thereon
in respect of Pre-1986 Retirees and surviving spouses of deceased Pre-
1986 retirees, respectively.
Our Commune is also pursuing various other issues. We have not yet
achieved success. But, that does not mean that we have failed. We
are prepared to wait. Good things come to those who wait. We have to
wait with patience. We are aware that many a time, patience reduces
waiting time. Patience is not the ability to wait. But, it is the ability to
keep a good attitude while waiting. We are confident that many of
these issues would also be resolved, before merger with State Bank of
India.
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SBMPC - General Secretary Report
We have raised and pursuing following issues :
a. Notional addition of five years to those who retired under VRS/Exit
Policy :
Most of the retirees who retired during SBMVRS – 2001 are eagerly
waiting for this benefit which is extended in every other Bank, other
than Associate Banks of State Bank of India. It is also true that period
of 15 years is also completed from the date of retirement, during March,
2016. It is a very long painful wait. But, Rules, Systems and Procedures
at Supreme Court for early hearing have been prescribed and any
deviation is impermissible. Our cases have been filed in the year 2013.
Unfortunately, there are many cases which have been filed earlier have
not come up for hearing. Advocate engaged by our Commune, Shri
Rajappa is making every effort for early hearing of cases, within the
prescribed rules. They may have to wait for some more time. But,
with great pride, we would place before you the fact that number of our
cases in this regard form over 1% of pending cases in Hon’ble Supreme
Court.
The first batch of Special Leave Petitions have not yet been converted
to Civil Appeals, as we had filed caveat and our Advocate Shri Rajappa
ensured that this batch of petitions is not converted into Civil Appeals
(not admitted). Our Advocate has also undertaken to represent all
respondents. Therefore, there cannot be any delay on account of service
of notice. But, delay is on account of not bringing legal representatives
of deceased respondents on record by the Bank. We have also taken up
this issue with our Law Department to ensure early and suitable action.
But, our Commune is assiduously following up this issue outside the
Court also. We have submitted many representations, through Members
of Parliament. Through, Coordination Committee of Retirees’
Organisations in Associate Banks, we have taken up matter with
Corporate Centre of State Bank of India, several times. I have also
visited Corporate Centre and impressed upon the top executives
regarding necessity to pay this benefit. We have also brought several
judgments of Hon’ble Supreme Court, which cover this issue also.
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SBMPC - General Secretary Report
We also had a meeting with Mr.M M Dawla, Under Secretary, Dept. of
Financial Services and then Govt. of India representative on the Board of our
Bank, at his Office in New Delhi. We also brought to his notice stand of our
Bank before Hon’ble Supreme Court in Special Leave Petitions/Civil Appeals
filed that our Case and Vijaya Bank case are identical and Vijaya Bank has
since extended this benefit. We also brought to his notice that Allahabad
Bank case, which was tagged to Vijaya Bank Case was also dismissed by
Hon’ble Supreme Court, along with payment of interest at 9% from the date
of Judgment by High Court. It is also pertinent to note that this Judgment
also reiterated that our Bank issue also comes under the sweep of Judgment
in Mohandas’s case.
Our Apex organisation, All India Bank Retirees’ Federation also took up the
matter with State Bank of India, regarding this issue. Our Commune also
requested our Bank Management, whenever, there is any order of Hon’ble
Supreme Court, covering this issue.
The General Secretary of Associate Bank Officers’ Association, Shri
Harshavardhan Madhubashi also took up this issue, based on our
representation. We have appended a copy of the letter by Shri Harshavardhan
Madhubashi, in this regard.
Representations were handed over to the Chairman of State Bank of India,
whenever, they visited our Bank’s Head Office for attending Annual General
Meeting of our Bank.
This issue was also a part of issues raised by our Commune through mass
representation. Fortunately, other two issues, viz. Pension option to Exit
Policy/VRS 2001 retirees and Pension to pension optees retired under VRS –
2001, are extended without pursuing legal recourse.
But, this benefit is not extended. Perhaps, but for the adverse Judgments by
Division bench of Madras High Court and Single Judge Bench of Kerala High
Court, this benefit would have also been extended. Certainly, we are proud
to report that only our members coordinated by our Commune have succeeded
in Division Bench of a High Court and matter has reached Hon’ble Supreme
Court. It is also noteworthy that cost of Rs.10,000/- to each of the petitioner
was awarded by the Division Bench of Karnataka High Court.
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SBMPC - General Secretary Report
I had the opportunity to speak in the Annual General Meeting of our Bank
held on the 31st May, 2016. This issue was brought to the notice of the
Chairman, Directors of the Bank and other Share Holders present. We used
this occasion to plead for extension of this benefit, instead of demanding
this benefit. We are extremely pleased to inform you that our efforts have
created positive impact and well appreciated. The Chairman, while replying,
said that this issue would be dealt by the Managing Director of our Bank.
We have also handed over a representation to Smt.Arundathi Bhattacharya.
We are extremely happy to report that the information trickling in indicate
that this benefit would be extended in Associate Banks shortly. Perhaps, we
may hear positive information, anytime now.
Our continuous efforts have fructified. Certainly, our Commune’s efforts
deserve to be recognised.
b. Payment of Pension based on last 10 months pay drawn – 7th BPS
retirees :
Cases filed by members of our Commune, who retired between 1.4.1998
and 31.10.2002 include issue of non-payment of Pension based on
average of last ten months’ pay drawn. Pension of those who were
Provident Fund optees have received Commutation based on average
of last ten months Pay drawn. This has created discrimination. Those
who retired on the same day are divided into two groups. One has got
pension calculated correctly. But, other has not got Pension and
Commutation correctly.
Further, there is violation of Bipartite Settlement provision also in our
Bank, as far as this issue is concerned. Para 16 of the 7th Bipartite
Settlement clearly stipulates that payment of pension based on notional
pay which is aggregate of Pre-revised Pay and Dearness relief thereon
at 1616 points, provided relevant provisions of Bank Employees’ Pension
Regulations, 1995 are amended, duly incorporating these provisions.
Since, Pension Regulations in our Bank remain un-amended, the method
of calculation of Pension as provided in the para 16 of the Bipartite
Settlement is violation of Bipartite Settlement provisions.
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SBMPC - General Secretary Report
We are confident that this matter is settled early.
c. Payment of Gratuity and Pension by duly adding Temporary Service
rendered before confirmation :
Minimum service required to become eligible for Pension is Ten years
and it is five years of service to receive Gratuity. It is estimated that
there are more than 1,000 of our members who have worked on
Temporary basis for a very long period, before confirmation. There are
instances, where they have worked for two to three decades on
Temporary basis, before confirmation. They had served for more than
240 days every year during this period. But, many of such retirees have
served for a period less than ten years and in some cases, they have
served for a period less than five years also. Such retirees are not in
receipt of Pension and in many cases, Gratuity also. We have
represented to our Management to pay Gratuity and also Pension by
reckoning Temporary Service also, before confirmation.
We are confident that these benefits would be secured. A note prepared
by us and presented to Management is provided in Annexures.
d. Reduction of Commuted portion of Pension from the date of
retirement, instead of date of payment :
On account of increase in pension either on account of revision in Pay
or on account of decision of Courts or on account of error in calculation
of pension, commutation amount also goes up. Currently, every Bank is
reducing commuted amount of increased portion of Basic Pension from
the date of retirement, instead of reduction from the date of payment.
This is opposed to Regulation 56, read with Rule 6 (1) b, 6 (2) and 10(A)
of Central Civil Services (Commutation of Pension) Rules, 1981. This
reduction of commuted amount of increased portion of Basic Pension
could be allowed only from succeeding month of receipt of increased
portion by the retiree. Those who retired under VRS – 2001 after serving
over a period of 15 years, but less than 20 years, got their pension
along with arrears during April/May, 2016. By that time, period of 15
years was over and there was no amount to be reduced. Consequently,
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SBMPC - General Secretary Report
difference in Commutation payable and Commutation amountrecoverable was recovered from arrears of salary, without paying a rupeeof commutation. This has resulted in huge loss.
We have taken up this matter with our Bank management. We have notyet heard final word from the management. We would take this issueto the logical end.
Public Sector Banks, including our Bank is reducing commuted portionof increased Basic Pension from the date of payment as ‘Secondcommutation’, instead of reducing from the date of retirement, in respectof pensioners of Central and State Government. It is ironical that thisbenefit paid by Bank employees to Central/State Governmentpensioners, are deprived of this benefit.
e. Improvement in REMBS and another option :
We have been requesting for improvements in REMBS and another optionto left overs to become a member of the Scheme. Addition of ailments,payment of full amount of expenditure incurred without reducing VAT,ST, etc.. We have also requested for removal of per annum limits onvarious types of treatment. As reported earlier, we have succeeded inall other demands relating to REMBS, with an exception of extension ofanother option to become a member of the Scheme. We are pursuingthe matter and confident that another option would be extended, beforemerger takes place.
f. Extension of Pension option to those who could not take advantageof pension option, earlier :
We are requesting our Bank Management to extend another option tosome of the retirees, who could not opt for pension when option wasextended during 2010. There are many infirmities, in extending pensionoption. Based on various Judgments, we are seeking extension ofanother option to these retirees.
g. Continuing Staff Housing Loan, at concessional rates, in case theemployee retires, voluntarily :
Our Bank is allowing employees, including Officers to continue StaffHousing Loan till the age 70/75 years. But, we have receivedrepresentation from these retirees requesting for extension of continuing
staff Housing Loan at concessional rates.
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SBMPC - General Secretary Report
h. Pension/Pension option for those who are removed or discharged or
compulsorily Retired :
Regulation 22 of Bank Employees Pension Regulation provides for forfeiture
of entire service, if an employee is either discharged, removed or Compulsorily
retired from the Bank’s service.
But, paras 6(b) – removal from service, 6(d) – discharged from service, clearly
provide for clause ‘with superannuation benefits, i.e. Pension and/or
Provident Fund and Gratuity as would be due’. Based on this portion, Hon’ble
Supreme Court decided that those who have retired under Clause 6(b) or 6
(d) are entitled to Pension.
Dispute went upto Hon’ble Supreme Court. Judgement was delivered in
Bank of Baroda Vs LRs of S K Kool case allowing payment of pension to
those who were discharged or removed from service. The decision of Hon’ble
Supreme Court also went in favour of retirees in Bank of Baroda Vs Girish
Shukla.
Indian Banks Association did take cognizance of Judgement delivered in
Bank of Baroda Vs LRs of S K Kool and Bank of Baroda Vs Girish Shukla.
Thereafter, a Circular was issued by Indian Bank Association vide CIR/HR&IR/
KU/M1/1004 dated 30th June, 2012. This Circular also provide for amendment
to Regulation 22 regarding extension of pension to those who were either
discharged or removed from service. Those who were retired compulsorily
were getting pension, if they were pension optees.
Earlier, there was another decision by Hon’ble Supreme Court in Civil Appeal
No.2729/2006 and 4677/2010 dated 30th August 2011, which allowed
pension option to those who retired compulsorily prior to 1993.
Pension option was not extended during 2010 to those who have retired
Compulsorily and also under other modes of exit, such as Discharge, Removal
from Service, etc. There are various Judgments regarding granting Pension
to those who retired compulsorily.
Despite these decision and communication, Banks continue to deny pension/
pension option to those who are removed or discharged from service. In the
meantime, Andhra Pradesh High Court ordered extension of Pension option
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SBMPC - General Secretary Report
to those who retired compulsorily from Andhra Bank. Bank filed Special Leave
Petitions. Hon’ble Supreme Court dismissed SLP No.35389/2013 and 35449/
2013 of Andhra Bank Management against the orders of Andhra Pradesh
High Court. Andhra Bank Management filed review petition No. 2889 &
2994/2014 against the order, which were also dismissed. Thereafter, Andhra
Bank extended Pension Option to these retirees only. Several other Judgments
have been delivered by various High Courts, in favour of Bank Retirees, who
are retired compulsorily.
Our Commune took up this matter with our Bank Management. Our Law
Department has opined that Pension Option needs to be extended to those
who are retired compulsorily, in respect of our Award Staff only. We are
pursuing the matter.
i. Leave Encashment for Compulsorily Retired :
In many Banks, Leave Encashment is not being allowed in respect of those
who are retired compulsorily. Now, based on account of various Judgments,
Indian Banks’ Association issued circular vide HR&ir/76/H7/E9/755 dated
11th May, 2015, advising member Banks to pay Leave Encashment to those
Officers retired on or after 30.4.2015. We have requested our Bank
management to extend this benefit.
But, it is unacceptable to restrict Leave Encashment to those who retired
compulsorily only from 30.4.2015. We would initiate necessary action.
j. Continuing Staff Housing Loan beyond retirement & till the age 75 :
Associate Banks decided to extend tenure of Housing Loans of Officers till
75 years of age as decided in the Joint Meeting with Officers held on the
21st December, 2014. It was also decided that Associate Banks would also
dispense the system of keeping monies as ‘matching deposits’. But, Housing
Loan tenure for those who belong to Award category is restricted to 70
years and they need to continue to deposit amounts in Fixed Deposits.
But, our Bank would say that twin benefits of extension of Housing Loan till
the age 75/70 and not maintaining matching deposits are not available to
those who retire on modes other than superannuation. But, Staff Circular
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SBMPC - General Secretary Report
No.80/2014 – 15 dated 31.03.2015 clearly provides for both extension of
repayment period upto age 75 and also dispensing of ‘matching deposits’
subject to certain conditions for ‘retired officers’. This Circular does not
specify whether this is applicable to those who are retired before or later.
Further, the circular is silent as to mode of exit. Still, this benefit is being
denied. This requires re-examination and clarification with regard to both
these aspects.
Dr.Lakshmisha wins Aryabhata International Award :
The award is instituted to honour those achievers in recognition of their creative
and constructive work and in appreciation of their accomplishments in their
respective and chosen field of service. The Aryabhata International award is
given to the people who have excelled in various fields like Banking, Industry,
Art, Science, Music and Entertainment. Every year Aryabhata Institution identifies
the achievers from all over the world. This year our member and Director of our
Bank, Dr.K Lakshmisha has been awarded with Aryabhata International Award
for his contribution to Banking. He is the first from Mysore Bank family to
receive this award. Members of State Bank of Mysore Pensioners’ Commune
congratulate Dr.K Lakshmisha on receipt of this Award. Dr.K Lakshmisha, you
have made each one of Mysore Bank family, proud.
Meeting of Retirees residing at Chennai on Sunday, the 15th December, 2013
Meeting of our Bank Retirees residing at Chennai was held on Sunday, the 15th
December, 2013 at Canara Bank Employees’ Union Auditorium “A.K.Nayak Bhavan”,
2nd Floor, 14, Second Line Beach, CHENNAI - 600 001. Over 60 of members residing
at Chennai attended this meeting. Shri S V Srinivasan, Deputy General Secretary of
AIBRF addressed our members. We crave for arranging such meetings at Chennai
also, in the near future.
Meeting of retirees staying at Hyderabad-Secunderabad.
Meeting of our Bank retirees who are staying at Hyderabad-Secunderabad was
held on Sunday, the 30th November, 2014 at the Grand Solitaire Hotel, Secunderabad.
More than 25 of about 35 retirees who are residing at Hyderabad-Secunderabad
attended the meeting. Members were updated about issues taken up by our
Commune, various developments, etc. We are thankful to Shri Changalaraya, who
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SBMPC - General Secretary Report
retired as Chief Manager on that day, for hosting this meeting. Shri Changalaraya is
the Special invitee to our Central Committee meeting.
Our Apex Organisation, All India Bank Retirees’ Federation :
Pension Settlement/Joint Note dated 24-10-1993 is a product of collective bargaining
on account of protracted struggle paving the way for its introduction. Thus Pension
Scheme was introduced in banking industry on 29.09.1995. It baptized the bank
retirees as pensioners irrespective of their past designations & restored their links
with bank as pensioners. This landmark achievement in the history of bank employees
as well as bank retirees necessitated organising bank retirees for redressal of their
legitimate grievances and eventual improvement in pensionary benefits. The difficult
task of organising bank retirees across the country was initiated by none other than
the Founder General Secretary of All India Bank Employees’ Association, Late Com.
Romesh Chander Chakraborty along with Sri T.M.Mathews and other bank retirees
with the objective of forming an inclusive all-cadre national organisation of bank
retirees. It is a historical coincidence that the national organisation of bank retirees
– ALL INDIA BANK RETIREES’ FEDERATION was born on 1st May in 1994 at
Ahmedabad.
The founders of bank employees’ movement always cherished a dream of a single
united organisation of bank employees – Officers and Workmen under one banner.
The dream could not become reality due to Pillai Committee, legal discrimination
and fragmentation of Trade Unions on political ideologies. But, in respect of retired
bank employees, there is no conflict of interest amongst retirees. Bank Employees’
Pension Regulations treat all bank retirees irrespective of past designation in the
bank as a retiree without any discrimination. The formation of AIBRF gave fillip to
organising bank retirees throughout the country and bank wise organization at State
and all India level were formed in majority of banks – both in public sector and
private sector. AIBRF and its units have played major role in bringing the issue of
another option for pension to PF retirees also in the discussion with IBA/Govt and in
the Parliamentary Standing Committee on Personnel & Public Grievances, Law &
Justice.
Shri D AMasdekar of Union Bank of India is the Chairman, Shri S.M.Deshpande of
Central Bank of India is the President and Shri S C Jain, who is amongst us today is
the Secretary of AIBRF. Shri S C Jain retired from Bank of India as General Manager.
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SBMPC - General Secretary Report
‘We shall make our own way’ and ‘We shall achieve’ are the slogans adopted at 3rd
Triennial Conference held at Kolkata from 1st to 3rd March, 2012 and at 4th Triennial
Conference held at Thrissur from 26th to 28th November, 2015respectively. Between
these two conferences and thereafter, true to these slogans, our Apex organisation
undertook various agitation programs. We are very proud of our Commune’s
association with our Apex Organisation, All India Bank Retirees Federation.
Our All India Bank Retirees’ Federation has 21 years of experience. Over 1.50 lakh
members representing 44 Banks forms its strength. Former Senior Executives to
Former Bank Trade Union leaders guide our AIBRF. Our Apex organisation is not
affiliated to any Bank Employees’ or Officers’ Organisation. We are independent.
There is no conflict of interest. Our organisation is like an Ocean. Affiliates are like
rivers. We all join this great organisation, called All India Bank Retirees’ Federation.
General Secretary’s Report of 22nd Conference of All India Bank Employees
Association held at Jaipur between 19th to 22nd March, 1994 has a reference to
our Apex Organisation, AIBRF. Relevant portion is extracted, hereunder :
265. With the Pension becoming a regular service condition in Banking
Industry, there is a sizable number of pensioners today. This number
will go on increasing as more and more people will retire.
Implementation of Pension Scheme in respect of such retirees, solving
their problems, taking care of various difficulties in respect of
calculations, commutation of pension, family pension, etc., etc., will
call for continuous attention. Hence, an organisation is required for
the purpose. Our Central Committee has decided that appropriate
steps by our Unions, should be taken for formation of an All India
Retirees’ Association, covering employees of all categories, and
without any affiliation to us. It will be unfortunate if the present day
organisational differences on account of multiplicity of unions are
extended to the retirees’ unions. Such Unions should be formulated
on Bankwise basis as well as All - India level. At the moment there is
All India Bank Retirees’ Federation headed by Com.Ramesh Chandra
Chakraborti, our first General Secretary. There is another All India
Retirees’ Organisation in Kerala. Our CC directed our Kerala State
Organisation to bring up rapproachment so that only one union
remains in the field. Unfortunately, their efforts did not yield the
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SBMPC - General Secretary Report
desired result. In this situation we must make our position clear. Having
regard to all facts, I submit that ‘All India Bank Retirees’ Federation
headed by Com.Ramesh Chandra Chakraborti should be extended
all-out help, assistance and encouragement by us on All-India level.
Under this umbrella, Bankwise organisations also should be set up. It
is necessary to reiterate that these retirees, unions shall not be.
affiliates of AlBEA. Neither any of the AlBEA Office-bearer or leaders
, retired or not, should hold any post in any such organisation. It
should remain independent of inter-union rivalry. Our duty is to extend
them full support in the interest of proper implementation of Pension
Scheme for the benefit of retired employees.
All India Bank Retirees’ Federation continues to remain independent and has many
leaders who were Office Bearers of industry level organisations.
Some of the agitation programs and various events organised by our Apex
Organisation, AIBRF during the period from 1.10.2012 till 16.9.2016 are :
a. Success in Madras High Court in respect of 100% DA neutralisation –
Members of various affiliates of AIBRF are the petitioners ;
b. General Secretary of our Apex Organisation, Shri S C Jain was invited to
speak in 27th National Conference of AIBEA at Kochi ;
c. General Secretary, Shri S C Jain also had a meeting with officials of
Department of Financial Services on the 6th February, 2013. He raised
the several issues including Discussion of retirees issues with Bank
Retirees’ organisations, Improvement in Ex-gratia payable to Pre-1986
retirees, Uniform allocation of funds for the welfare of Bank Retirees
out of Staff Welfare Fund, Extension of five years benefit under
Regulation 29(5) to Vijaya Bank, Allahabad Bank and Associate Banks
of SBI and filing appeals against decision of lower courts.
d. Letter from Dept. of Financial Services to Indian Banks Association to
hold discussion with retirees, vide 10/30/IG/2013-IR dated
11.06.2013.This is on account of persuasion of the General Secretary
by meeting DFS officials twice
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e. Took matter with then Finance Minister, Shri P Chidambaram during
October, 2013 ;
f. Massive Dharna at Jantar Mantar, New Delhi on the 7th March, 2013.
Number of retirees participated exceeded 4,000. This program was
addressed by Shri Gurdas Dasguptha, Shri D Raja, Shri C H
Venkatachalam, among others. 26 members of our Commune
Participated in this program ;
g. Letter to Shri Narendra Modi on his election as Prime Minister and also
drawing his attention to Bank Retirees’ problems ;
h. Meeting Officials of Department of Financial Services on the 17.11.2014
and drawing Bank Retirees’ problems ;
i. To achieve success by concluding negotiation, UFBU launched various
agitation programs. AIBRF supported and joined in every agitation
program, leading to signing of Bipartite Settlement.
j. A memorandum dated 18.3.2015was also submitted to UFBU leadership
on proposed Medical Insurance to Bank retirees.
k. Took up matter relating to submission of Life Certificate by Bank
Pensioners
l. A memorandum was submitted to the Hon’ble Finance Minister on the
13th May, 2015 regarding Bank Pensioners’ issue.
m. Strongly worded letter expressing disappointment and displeasure was
sent to the Convenor, UFBU – A copy of which was already circulated
among members of our Commune ;
n. Bipartite Settlement and Record note were signed on the 25th May,
2015. For members of AIBRF, it was a Protest Day. Demonstrations
were also held on that day at Azad Maidan, Mumbai.
o. Memorandums were submitted to Chairmen of local chapters of IBA
and also to Chairmen of Public Sector Banks ;
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p. Individual letters were sent by members of affiliates of AIBRF to the
Secretary, Dept. of Financial Services. Over 3500 letters were also sent
by members of our Commune ;
q. Issue of non-payment of Domiciliary Treatment expenses and corporate
buffer was also taken up with Indian Banks Association ;
r. Launching of various action programs starting from Mumbai, during
January, 2016 at Mumbai and later at all Major centres ;
s. Meeting of Parliamentary Committee on Personnel, Public Grievances,
Law and Justice held on the 8th February, 2016 at Delhi, was attended
by Dr B Ramji and Shri A Chandramouli, General Secretary and President
of IOB Retirees’ Association, representing AIBRF. They submitted a
memorandum requesting resolution of Bank Retirees’ issues ;
t. All these efforts started yielding results. IBA wrote letters to member
Banks regarding establishment and functioning of Grievance Cell. IBA
commenced correspondence with AIBRF ;
u. Demand’s day was observed throughout the Country on the 25th May,
2016. Resolutions were passed in the Protest Meetings held throughout
the Country
v. Responding to the call of AIBRF, over 25,000 online representations
were sent to Hon’ble Prime Minister by members of affiliates of AIBRF.
Over, 400 of our members have submitted online representations.
w. By middle of June, memorandum was submitted to 37 Members of
Parliament, including Speaker of Lok Sabha, Deputy Speaker of Rajya
Sabha and four Central Ministers. Our members from Tumkur submitted
representation to Smt. Maneka Gandhi ;
Above list is abridged and only some and important developments/programs/efforts
have been listed, above. Every member of our Commune salute efforts of
Shri S C Jain, the General Secretary of All India Bank Retirees’ Federation in planning
and execution of action programs. We are proud of our Apex Organisation, AIBRF.
All these efforts are to secure benefits, including the following to Banks’ Retirees’
Community:
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a. Updation of Pension ;
b. Improvement in Family Pension ;
c. Uniform DA ;
d. Uniform Health Insurance ;
e. Pension optionto left overs
Napolean Hill has stated that Strength and growth come only through continuous
effort and struggle. Therefore, we should all join and strengthen the movement
lead by our Apex Organisation by All India Bank Retirees’ Federation, by our
participation. Though these issues have to be settled at National level and we
have our Apex Organisation, doing wonderful job, we feel that our members should
have insight in to each of these aspects.
Many of Bank retirees are agitated and may feel that there is delay in delivery of
these benefits. Many may also feel that Retirees’ organisations need to do more.
It is natural to have that kind of a feeling because recent introduction of ‘One Rank
One Pension’ for Defence Pensioners and Implementation of 7th Pay Commission
Report.
Naturally, Bank retirees tend to compare improvement of Pension of Central Govt.
Pensioners, with that of themselves. Unfortunately, situations are incomparable.
It is also pertinent to note that there are many PSUs, fully owned by Govt. of India,
where pension benefit is not extended, at all. Whereas, Pension in Banks was
introduced only through Settlement signed on the 29th October, 1993. Therefore,
Pension Scheme of Bank Retirees is in infancy. It is just 22 years old.
But.Improvement in Pension and Pay Commissions in India has history of over 70
years, dating back to Pre-independence era. The first Pay Commission improved
pension during the year 1946-47. But, updation of pension was unheard off till
early 80s. Intelligent and person with a foresight, Shri D S Nakara has changed
everything. Now, Pension of Central Govt. Pensioners are being updated based on
the Judgment of Constitution Bench of Hon’ble Supreme Court on the 17th December,
1982. This day is celebrated as ‘Pensioners’ Day’ throughout the country by
Pensioners. This Judgement disallowed division of retirees. This Judgment also
emphasised and propounded that ‘Pension is not gratis’. We have adopted this
Judgment in thousands of cases involving Pensioners for securing or improving
Pension benefits.
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Unfortunately, omnibus application of this ‘law’ to our Bank pension is not available.
This is because, Bank Employees’ Pension has not been improved so far. Still,
pension paid to those who retire during later years is far higher, when compared to
the Pension being paid to those who retired earlier. It is not because of improvement
in pension, but because of improvement in salary. Therefore, these judgements
have no application to Bank Employees’ Pension.It is also important to note that
Bank Retirees’ Writ Appeals for updation of Pension before Rajasthan High Court
are dismissed and matter is pending before Hon’ble Supreme Court. Therefore,
Bank Retirees have reached Supreme Court as Petitioners, who have lost case in a
High Court. Therefore, our members are requested not to overwhelmed by decisions
of Courts concerning Central Government Pensioners. Perhaps, if more than 90 –
95% of Bank employees were to opt for pension during 1993 – 1995/96, updation of
pension would have been easier to achieve, than the situation prevalent today.
Pension of Central Government is out of Consolidated Fund of India through Budget
allocation. No provision is required to be made for payment of future pension. But,
increase in Pension, including that of Dearness Relief every half year of Public
Sector Bank involves additional provision and transfer of such provision to a separate
Trust for payment of such pension to Bank pensioners till last pensioner/family
pensioner is alive, even if the Bank is liquidated. In respect of Private Sector Banks,
annuities have to be bought from LIC of India. We have already published an article
on Pension Funds in Banks in our earlier issue of Mysore Bank Shathayu.
‘One Rank One Pension’ is another issue in the limelight recently. This demand is
in existence from early eighties. Problem faced by Defence Personnel is different
from that of other Retirees/Pensioners. There is concept of Compulsory Retirement
to keep Armed Forces young. The age at which these personnel retire is : 35 -37
years for Sepoys, 45 – 47 years for JCOs, and Major, Lt Col, Col-, Brig, Maj Gen, Lt
Gen, General at the age of 50, 52, 54,56, 58, 60 and 62 years respectively. Therefore,
their service is shortened. This situation is not in existence in Banks and Central
Govt. This demand found place in Manifestos of Political Parties. They are also in
substantial numbers in various parliamentary constituencies and can be decisive in
many constituencies. But, these Pensioners could not achieve this benefit legally.
It was only through agitation and sustained action programs spread over three
decades.
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Above instances also provide us the insight into the difficulties and journeys of
these struggles. One was secured through Judicial intervention and other through
struggles. We are at a disadvantageous position in several ways. It is not as easy
as we believe. Therefore, we need to work hard, struggle and pursue longer. This
does not mean that it is impossible to achieve updation of pension. There is a
saying by Winston Churchill, that Continuous effort - not strength or intelligence -
is the key to unlocking our potential. Persuasion and perseverance would ensure
success. We have the leadership of Shri S C Jain, General Secretary and Shri
Deshpande, the President of AIBRF. We are confident that we would achieve success.
We have made efforts to calculate the possible quantum of load in case updation
of pension takes place. Our calculations reveal that approximate pension payment
to Bank retirees in PSBs during the year 2012 – 13 is Rs.6,500/- Crores. We have
considered the figures of 2012 – 13, as 10thBipartite period covers those who retired
on or after 1.11.2012. Payment of pension benefit to those who retired from
1.11.2012 to 31.3.2013 forms buffer, for calculation purposes. This amount of
Rs.6,500/- Crores also include payment of Commutation. Therefore, this amount is
on higher side. For Actuarial valuation the rate of return is assumed at 8%. 10%
increase in pension results in additional outgo of Rs.650/- Crores, per annum. To
secure returns to the extent of Rs.650/- Crores per annum out of perpetual annuity
with 8% per annum returns, provision required is at Rs.8,125/- Crores. This could
be the maximum amount required as provisions are not made based on perpetual
annuity. Perpetual annuity means payment of annuity forever. But, amount provided
is based on regular annuity, which after a specified time, payment ends. In case,
this amount is amortised for 6 years, each year all PSBs together have to provide
for Rs.1,350/- Crores. In all probability, total payment of Group Medical Insurance
premium to be paid by these Banks would be more than Rs.1,350/-, next year. Which
also means, updation is possible and the figures quoted by Indian Banks Association
is far higher.
Extension of 100% Dearness Relief for the entire quantum of Basic Pension for Pre-
2002 retirees is one of the issues engaging attention of leaders of Bank Retirees’
movement. Our Commune feels that this is a settled matter and Pension Settlement
dated 29.10.1993 clearly provides for calculation of Dearness Relief based on
Reserve Bank of India DA formula. But, it is unfortunate that Indian Banks’
Association is attempting to estimate/calculate the load of extension of this benefit
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SBMPC - General Secretary Report
and treat this as a new benefit. This is incorrect and improvement cannot be out of
a separate settlement, but by implementing existing provisions of Bipartite
Settlement.
The clause 6 of Pension Settlement dated 29.10.1993 is extracted, hereunder :
6. Dearness relief to pensioners will be granted at such rates as may
be determined from time to time in line with the dearness allowance
formula in operation in Reserve Bank of India.
Additionally, Memorandum of Settlement dated 10/11/1997 also reiterated that the
Reserve Bank of India Pension Regulations form bedrock for payment of Pension in
Banks. Since, Reserve Bank of India has extended the benefit of Dearness Relief on
entire Basic Pension with 100% neutralisation, Bank Retirees are also entitled to
receive Pension with Dearness Relief duly neutralising Dearness Relief to the extent
of 100%. We suggest and request for demand of this benefit as a ‘implementation
of provisions of Pension Settlement dated 29.10.1993 read with clause 3 of
Memorandum of Settlement dated 10/11/1997.
It is unfortunate that both UFBU and IBA are treating this benefit as ‘New Benefit’.
But, Civil Appeal filed by members of several affiliates who had filed Writ Petitions
before Madras High Court, is pending before Hon’ble Supreme Court. Retirees
from Kolkata have also succeeded before Single Judge Bench of Kolkata High Court.
The significance of this Judgment is that it validates our opinion on 100% Dearness
Relief issue.
Family Pension in Banks is abysmally low. Though, Reserve Bank of India and
Government of India are paying Family Pension at the highest rate of 30% of last
month’s Pay of the deceased employee/retiree, the maximum rate in Banks is 15%.
There is also a ceiling on Basic Family Pension. Family pension table is provided in
the annexure. One can see maximum family pension payable in the Banking industry
in respect of employee/retiree who would have attained the age of 65 years, is
Rs.13,509/-. In case, Family Pensioner is entitled to twice the family pension, then
it is Rs.27,018/-. These amounts are fraction of Pension paid. Increased cost of
living and medical expenditure making Family Pension grossly insufficient to match
standard of life normally expected.
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We have covered details of Medical Insurance, in detail in later of this report.
It is unfortunate that some of our friends among Bank retirees community are
deprived of pension. Those who resigned and compulsorily retired are deprived of
Pension. We are aware that every Management, including Bank Managements,
would like to minimise funds outgo. They would like to reduce expenditure. They,
often forget that Pension provides Social Security and it is the duty of the employer
to take care of former employees during their autumn years. We feel that taking
care of its former employees should also be a part of Corporate Social Responsibility.
It is unfortunate that Bank Managements forget this aspect and find reasons to
deny rather than finding reasons to give. One such example is denial of pension/
pension option to those who resigned from service. Most of them resigned because
there was no other mode to exit. There is no provision to ‘Retire’ in Awards and
Settlements for those belonging to Award Staff. Retirement after completion of 20
years of service required to be covered under provisions of Regulation 29 is not
enough for Officers of Associate Banks. They require at least 25 years of service, if
they have to retire under Regulation 19(1) of Officers’ Service Regulations, 1979.
Regulation 22 provides for forfeiture of entire service in the event of resignation.
Unfortunately, an employee who resigns after serving over 20 years is not entitled
to pension. But, one who has served for ten years or more, but discharged on
account of his acts of omission and commission is entitled to pension. Legally,
case is pending before three Judge Bench of Hon’ble Supreme Court on account of
contradictory judgements. Our Apex organisation is also taking up this issue.
It is a very long drawn battle for retirees to secure above benefits. Our Apex
organisation is strong and vibrant enough to carry forward the battle till they are
secured. We are aware that
Our Commune is affiliated to All India Bank Retirees’ Federation since 2012. First
Conference where delegates of our Commune participated was in the Conference
held at Kokata during 2nd March, 2012 and 4th March, 2012. Myself, our Vice
President, Shri K N Srinivasa Rao and Shri Ramaiah, our Committee member attended
this conference. Now, we have realised the importance of attending conferences
of AIBRF. One of the major events in any organisation is periodical General Body
meeting/Delegate Session. Like this General Body meeting, AIBRF Conference
held at Thrissur, Kerala on 26th to 28th November, 2015. 25 delegates representing
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our Commune, came back with loads and loads of knowledge, experience and sweet
memories. Events like this recharge energy to continue the fight. Over 1500 Bank
retirees-delegates from all over the country congregated. They presented, discussed,
debated and decided various issues confronting Bank Retirees in the Country.
Memorable procession, Enlightening Inauguration, Meaningful discussions,
Thought provoking delegate session, mouth-watering delicacies, enthusiastic
delegates, youthful volunteers, impeccable arrangements and God’s own Country
are the highlights of the 4th Conference of our Apex Organisation, All India Bank
Retirees Federation at Thrissur. We shall Achieve is the Slogan. This Conference
also provided opportunity to chew decades old memories. This Conference show
cased strength of All India Bank Retirees Federation. Twenty Five soldiers
representing State Bank of Mysore Pensioners Commune participated in this
Conference, as delegates.
We were received by volunteers of host committee, at Railway Station at wee hours.
Transportation was also arranged. Kudos to hosts : All Kerala Bank Retirees
Federation, led by Shri K Srinivasan, President, SBT Retirees Association. The first
program was the procession of bank retirees. The distance covered is about two
KMs and the length of the procession was about one and a half KMs. Thousands of
Bank retirees participated in this Rally. But, cynosure of all eyes of every one
alongside the procession route is the contingent from our State Bank of Mysore
Pensioners Commune. Attired in traditional dress of Mysore, ‘Kachhe Panche’, Jubba
and ‘Mysore Peta’, they were highlight and talking point about Procession.
Inaugural session of the Conference was attended by over 3000 retirees from nook
and corner of the country. The Conference was inaugurated by Shri Jeevandas
Narayan, Managing Director of State Bank of Travancore. Shri C H Venkatachalam,
General Secretary of AIBEA was the Chief Guest. Colurful Inaugural Ceremony
concluded with the reciting National Anthem, joined by entire team from SBM
Pensioners’ Commune, on the dias.
Delegate session was held on 27th & 28th November, 2015. The General Secretary,
AIBRF presented a detailed Report on the activities, programs, action programs,
organizational developments, etc., of our Apex organization. Over 81 speakers from
various Retirees’ Organisations, who had come from nook and corner of the country
spoke. Shri B L Dayananda Kumar, Shri Basavanna and Shri Thippeswamy of our
Commune also spoke raising various issues confronting retirees.
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While Shri D A Masdekar, is elected as the Chairman, Shri S M Deshpande and
Shri S C Jain are re-elected as President and General Secretary of AIBRF. Shri C N
Prasad, General Secretary of our Commune, who was Organising Secretary of AIBRF
in earlier term, is elected as the Vice President.
While deciding on the Guests to be invited to this Conference, our leaders considered
various names. But, we decided on inviting Shri Sadananda Gowda, Hon’ble Central
Minister. One of the main reason is to secure an opportunity for us to bring to his
notice the problems and issues of Bank Retirees. This can also be best explained
by Shri S C Jain, General Secretary of AIBRF. This also provides an opportunity to
Shri S C Jain to interact with Shri Sadananda Gowda. This would help Bank Retirees.
We also thought programs like this are a better option when compared to handing
over memorandum. We are sure, we succeed in our endeavour.
We shall continue our support and participation in every program organised based
on call of our Apex organisation, All India Bank Retirees Federation.
Struggle Fund of AIBRF :
We all agree that the distance we have to travel to achieve updation, etc. is very
long. We need to fight and struggle. These action programs involve lot of
expenditure. Continuing fight involve lot of money and efforts. To create resources
for carrying out agitation programs, it was decided in the Thrissur Conference that
AIBRF should build Struggle Fund. Every affiliate should contribute to this fund at
Rs.50/- per member. We are liable to contribute to this fund, before 30th September,
2016.
Our Commune – successful saga of last four years :
Never stop fighting until you arrive at your destined place - that is, the unique you.
Have an aim in life, continuously acquire knowledge, work hard, and have
perseverance to realise the great life – Dr.Abdul Kalam
4th Triennial Conference of our Commune was held on the 30th September, 2012 at
Chandrashekara Bharathi Kalyana Mantap, Pampa Maha Kavi Road, Chamarajapet,
Bangalore. The Team with Shri N Jagannathan, our Founder President, as President
and Shri T V Gurumurthy, as General Secretary was elected. There was a vacant
post of Secretary. In the first Central Committee meeting, it was decided to co-opt
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Shri S Siddagangaiah, who was a Central Committee member then, as Secretary
and myself was coopted as ‘Senior Vice President’. Later, on account of resignation
of Shri T V Gurumurthy on the 1st March, 2013, Central Committee meeting held on
12th March, 2013, accepted the resignation of Shri T V Gurumurthy and Co-opt me
as the General Secretary. In the same meeting, Shri H S Nanjunda Swamy was co-
opted as Senior Vice President and Shri S Siddagangaiah as the Vice President.
Later, Shri B H Shamsundar is coopted as Secretary, in the place vacated by Shri S
Siddagangaiah.
Eight Central Committee meetings have been conducted so far, during this term.
Central Committee has also co-opted following members as Committee Members,
including filling up of one vacancy created on account of death of Shri L Srikantaiah :
a. Shri B L Dayananda Kumar
b. Shri K Sathyanarayana
c. Shri D Nagendra Rao
d. Shri Thulasi Prasad
e. Shri Siddaramappa
All these members were serving our Commune, sincerely. They are present on
most of Tuesdays and Thursdays, in our Office. They were not members of the
Central Committee, when they were standing shoulder to shoulder with our other
functionaries in serving members of our Commune. Our Commune recognised their
commitment to serve, as they served sincerely, even though they were neither office
bearers nor members of the committee. We believe that those who are sincere to
serve need no position. All of us shall join together in following same principles,
while forming a new team.
We have seen many challenges during this term. We had to work from a place
which was outside our Office. We took these challenges in stride. In fact, the
challenges posed firmed up our resolve to serve. We never compromised
independence of our Commune. We have grown. Accolades, we have received
from you is because of you. You have ensured all of us succeed. We have loads of
patience. We have tons of tolerance. They are our strengths, not weaknesses.
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Today, many retirees of other Banks or retirees’ organisations look to us for support,
guidance, assistance and advise. Your Commune has left indelible mark. We are
pioneers. Pioneers in real sense. We have listed some of such endeavours:
May be the first organisation to introduce sending bulk SMSs.We are the pioneers
and trend setters. Perhaps, our Commune may be the first retirees organisation to
use bulk messaging facility, which is both faster and cheaper. Now, over 78% of our
members have Mobile Phones and are receiving messages. So far we have sent
over 3 lakh messages in two and a half years period.
Members of our Commune are privileged to receive SMSs duly informing the exact
amount of DA increase ;
We also a google group, sbmpensioners@googlegroups.com. We have over 1,000
members who are part of this group. We share and debate in this group. There is
no restriction or impediment in reaching our members with E-mail IDs. Perhaps, we
are pioneers, hereagain ;
Mine and our President’s names are listed in Telephone Directory of important
functionaries and organisation published by our Bank. Perhaps, Our Commune is
the only bank retirees’ organisation whose contact details are available in Bank’s
official telephone directory ;
Five Seminar/Workshop/meetings were organised to make our members better
equipped with relevant information. Perhaps, only bank retirees’ organisation in
the country to organise so many programs ;
On 19.2.2016, first ever protest march by Bank retirees in Bangalore was organised
by our Commune. Over 500 of members participated. Another feather in our Cap.
Our Commune is functioning from the office space provided by the Bank. Our
Commune is the only AIBRF affiliate to have Office space provided by the Bank.
This is in tune with direction of Central Office to secure space for offices of retirees
from Banks ;
Today, we are releasing ‘Pensioners’ Wallet’ which provides space for recording all
required and relevant information by our members. This is useful in many ways.
Every relevant information is available at one place. They do not miss out any
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SBMPC - General Secretary Report
information. In the unfortunate event of absence of them, every bit of relevant
information is available for the members of family. This is another first attempt ;
Over 650 Civil Appeals/Special Leave Petitions filed by our Bank where our members
are respondents. Perhaps, only Bank retirees’ organisation to have so many
members as parties. This number is more than 1% of total cases pending before
Supreme Court ;
Our Commune is the first organisation to raise the issue of ‘second commutation’,
if additional part of Basic pay is commuted and paid ;
174 members of our Commune are awarded with cost of Rs.10,000/- payable by the
Bank to each of them. Perhaps, our Commune is the only organisation to secure
such benefit ;
Functionaries of our Commune assisted 22 resignees of Vijaya Bank to get pension.
In fact, this is acknowledged by them ;
We are also assisting retirees of State Bank of Patiala in fighting their case before
Bombay High Court regarding payment of pension from their date of retirement,
instead of from 27.4.2010 in respect of those who retired under VRS – 2001.
We are also assisting retirees of State Bank of Hyderabad to fight their VRS – 2001
five years case in Supreme Court, which they lost at Division Bench of Madras High
Court ;
Perhaps, only organisation to make a case for adding temporary service, before
regularisationfor the purpose of calculation of Gratuity and Pension ;
Highest percentage of retirees have become member of our Commune. Over 85%
of retirees of our Bank are our members. Perhaps, we are number one in this
regard ;
Perhaps, only retirees organisation to seek opinion of members regarding functioning
of a voluntary organisation ;
We had launched agitation by way of submission of representation to the Chairman,
State Bank of India, through the Branch Managers of Pension drawing branches.
The issue covered was compulsive litigation and non-extension of following benefits.
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They are : Notional addition of five years to VRS/Exit retirees, Pension/Pension
option to those who retired under VRS 2001 and Pension option to those who retired
under Exit Policy. We have secured all these benefits, with an exception of addition
of notional service to the extent of five years to those who have retired under VRS
– 2001/Exit Policy. We do expect positive developments on this front also. May be
the first retirees organisation in Associate Banks to agitate.
Any organisation like our Commune, has to work in the interest of its members. The
existing benefits need to be protected. Legitimate benefits need to be secured.
Interest of members should be paramount. Vision and foresight of the functionaries
would make the difference. We are proud. Functionaries of our Commune are
following all these both in letter and in spirits.Every issue that is being raised by
our members is already being taken up. Expecting our Bank to continue litigation
in respect of VRS – 2001 Regulation 29(5) benefit, we have decided to ensure a
large number of our members file Writ Petitions. Consequently, very large number
of persons would share the expenses. Benefits like Cost and Interest, if ordered by
the Courts, would be extended to larger number of our members.
All of us are aware that our members who were Clerks and Sub-ordinate Staff, before
their retirement were denied of benefits like continuing their Staff Housing Loan till
the age of 75 years or 20 years from date of sanction, whichever is earlier, is being
denied. We understand that facilities like this were denied in view of not accepting
Career Progression Scheme by unions under the umbrella of SSBEA. Career
Progression Scheme provides for additional benefits to those who opt for this
scheme. This scheme has certain conditions which are not completely in tune with
Bipartite Settlement provisions. Inference that could be drawn from the whole
affair is that Associate Banks are seeking to alter provisions of Bipartite Settlement
through a contractual scheme. Associate Banks are also taking same stand before
Courts as far as our VRS 2001 5 years case. After the judgment of Single Judge
Bench of Karnataka High Court, we had brought this to the notice of then President
of SSBEA. Relevant portion of our letter dated 30.11.2011 addressed to the President,
SSBEA and General Secretary, ABOA is extracted hereunder :
We have no option, but to infer that the Banks are asserting their right
to take away benefits as available under Pension Regulations, as a part
of terms of any contract with employees, without amending Pension
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Regulations. This is an ominous sign and clear indication that
Managements are testing waters. Therefore, your immediate
indulgence, interference and support are required.
Now, our fears have come true. Timely actions could have prevented such violations.
What is happening to our neighbours today may also happen to us tomorrow. If
Problems faced by retirees are not addressed by employees’ and officers’
organisations immediately, having tasted blood, Managements would treat
employees also similarly tomorrows.
Perhaps, such actions by our Commune make our Commune stand out. Are you not
proud to be a member of our Commune ?
Our premises :
Our Commune was established with the aid and assistance from State Bank of
Mysore Employees’ Union. Initially, our Commune started working from Union Office
premises. Later, we also started working from Record Room of SBMEU. Later, we
occupied the space vacated by the Union after renovation of Union’s office. This
space is in the first floor of our Bangalore Branch. Our Office was also provided
with telephone connection. Furnishing of our Office was also done by the Bank. In
fact, Shri Dilip Mavinkurve, then Managing Director of our Bank visited our Office.
Later, we found that many of our members, including our Office Bearers could not
visit our Office, since the premises is in the first floor and it was difficult for them
to climb steps. Every one of us started feeling the need for an Office premises in
the ground floor. We requested the then Chief General Manager (RB), Shri Kalyana
Mukherjee to provide us the space in the ground floor. He agreed to provide.
Unfortunately, we did not get the space. We requested his successor, Shri Sajeev
Krishnan, again for a premises in the ground floor. We pursued the matter and with
the the aid and assistance of Shri M R Jayesha, General Manager, our Bank has
provided us a new premises in the ‘A’ Block of BKG Complex in the Head Office
compound.
Space provided to us is convenient for every member to visit and it is convenient to
even for those who cannot walk. We are extremely thankful to Shri Sajeev Krishnan,
Shri M R Jayesha and Shri C P Kishor Babu, General Manager (HR & GA) for helping
Senior Citizens. Every time they visit our Office, they thank you, Sirs.
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Merger/Acquisition of Associate Bankswith/by State Bank of India :
There were whispers during third week of May that Emergency Meeting of Boards
of Directors of Associate Banks scheduled to be held on 17th May at Mumbai,
would decide on merger of Associate Banks with State Bank of India. Information
started trickling in and confirmation of news regarding decision of Boards of
Associate Banks proposing acquisition of Associate Banks by State Bank of India.
Boards of each Associate Banks met one after the other and decided to propose
acquisition of Associate Banks. Thereafter, Board of State Bank of India also sought
approval of the Central Government to proceed further. Shri Arun Jaitley, Finance
Minister has also declared in an interview that this decision of State Bank of India
& its Associates is in accordance with government’s policy. Smt.Arundhati
Bhattacharya, Chairman, State Bank of India has also stated that the entire process
would be completed during this Financial Year.
In the meantime, Central Cabinet has also approved proposal of merger of Associate
Banks with State Bank of India, in principal on 15th June 2016. On the 18th August,
2016, Boards of State Bank of Mysore, State Bank of Travancore, State Bank of
Bikaner and Jaipur and Central Board of State Bank of India decided on the Share
Swap ratio and merger process moved further. Now, we understand that the proposal
has been forwarded to Reserve Bank of India for approval. On approval, the proposal
would be forwarded to Govt. of India for approval and notification. Merger would
be effective on the 30th day of notification.
In this background, our Commune assures its members who are pensioners
that payment of Pension to Associate Bank Retirees would be in terms of Bank
Employees’ Pension Regulations, 1995 and this decision followed by merger of
Associate Banks, including State Bank of Mysore would not alter quantum of
pension.
But, it is certain that some benefits like distribution of Sweet Packets on Bank’s
Foundation Day, Payment of amount under Shradhaanjali Scheme, Annual Diagnostic
Charges out of Staff Welfare Fund may not be available post-merger. Our Bank
retirees are not naive to believe that these kinds of benefits would be made available
to Associate Bank retirees, without extending these benefits to retirees of State
Bank of India also.
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SBMPC - General Secretary Report
Our Commune has taken measures for launching ‘Shradhaanjali’ Scheme so that
this benefit is continued, even after merger.
Our Commune has also decided to Celebrate every October 2nd as Mysore Bank
day from the year 2017. We would also be inviting every employee who is a part of
Mysore Bank family, provided he joins our Commune’s ‘Shradhaanjali’ Scheme.
Scenario after merger :
Now, merger process of Associate Banks including our Bank with State Bank of
India is in the final phases. Lot of changes are expected to happen. We are not
naïve to expect same situation, post-merger. Many of our members have concerned
about treatment after merger on account of their experiences in our own Bank
post-retirement. Only way we can reassure our members, is by strengthening our
Commune. Unity among retirees of Associate Banks would insulate from any
adverse situations.
Our Commune has created a niche for itself in our Bank. We need to start afresh
and we need to function with enhanced vigour and ensure that the authorities
recognise our Commune as an organisation of substance. Those who are employees
of State Bank of India are not aware of provisions of our Pension Regulations. But,
our pension would be paid in terms of Bank Employees’ Pension Regulations, 1995.
SBI Pension Regulations, 2014 has indeed provided for payment of pension to
pensioners of merged entity. Experience of Pensioners and Pensioners’ Associations
of eState Bank of Saurashtra and eState Bank of Indore would help us in planning
for our Commune’s life after merger.
Unless, we are active and create confidence in our Commune, we would remain in
side-lines. We need to be hyper active and prove our mettle. Opportunity for our
Commune to grow is not limited.
Organisation Structure, post-merger :
We have discussed at length everything about Merger/acquisition of our Bank and
other Associate Banks by State Bank of India. We have collected suggestion of our
members regarding what we should we do post-merger/acquisition. Most of our
members have suggested maintaining present identity and co-ordinate with SBI
Pensioners’ Associations.
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SBMPC - General Secretary Report
Our Commune is affiliated to All India Bank Retirees Federation. We have AIBRF
affiliates in our Bank, State Bank of Travancore, State Bank of Hyderabad, State
Bank of Patiala and e-State Bank of Indore. We had formed Co-ordination Committee
of Retirees’ Organisations in Associate Banks at Hyderabad, during December, 2014.
Every affiliate of AIBRF in Associate Banks and AIBREA are part of this committee.
I was chosen as the Convenor and Shri C Gopinathan Nair, Organising Secretary of
AIBRF and General Secretary of SBT Retirees’ Association is the President of the
Coordination Committee.
Now, our All India Bank Retirees’ Federation cannot have more than one retirees’
organisation of any Bank. Post-merger, every retirees association of Associate Bank
would retirees’ organisation of State Bank of India. Discussions are underway
regarding formation of a retirees’ organisation affiliated to AIBRF and also an
umbrella organisation of all retirees’ organisations in Associate Banks.
There are 12 retirees’ organisations in Associate Banks. They are affiliated to four
Apex Organisations. Of these, three are ‘Retired Officers’ only organisations. Six
of these are affiliated to our Apex Organisation, All India Bank Retirees’ Federation.
Keeping all these facts in view, we shall decide on our future.
Copies of SBI Circulars, SBI Pension Regulations, SBM Pension Regulations, etc. are
part of this report. We would keep our members informed of further developments.
Formation of District/Area/Regional Committees :
Since our Bank is founded with the aid and assistance of Wodeyars, our Bank
Branches are situated mainly in old Mysore area. We have identified sixteen districts,
where members of our Commune are substantial. We have also found that in many
of these districts, one in every two bank retirees are our members. An organisational
structure at these places would help our members and organisation. They can also
launch agitation programs at these places whenever they are warranted. These
committees have important roles. Their presence would also facilitate oneness
among Mysore bank retirees’ fraternity. Fourteen districts we have identified are :
Ramanagaram, Chickballapur, Kolar, Tumkur, Mandya, Mysore, Chamarajanagar,
Kodagu, Chikmagalur, Shimoga, Davanagere, Chitradurga, Bellary, Hubli and
Belgaum. This is in addition to Bangalore City and Rural Districts, where no such
organisation is required on account of proximity. It was decided that we would
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form District Committees at all these Districts, by end of this month. So far, we
have formed District Committees at Mysore, Tumkur, Davanagere, Belgaum and
Shimoga Districts. Due to our Bank merger moves and organising this Conference
have come in the way of completing this task before end of September, 2016. But,
we would complete this task by December, 2016.
Mysore District Committee :
Mysore District Committee was formed on the 18th December, 2011, when over
170 of our members were present. The team was lead by Shri H S Nanjunda Swamy,
Shri Huchappa, Shri Vijaya, Shri Puttaswamy, Shri Srikantaiah and Shri Nagendra. A
new team of Office Bearers would also be elected shortly.
Tumkur District Committee:
Over 65% of all Bank retirees (who are members of Bankwise units affiliated to
AIBRF) who are residing in Tumkur District, are members of our Commune. They
were urging us to form a District Committee at Tumkur District. We have more than
150 of our members who are residing at Tumkur District. This is also in consonance
with the decision of our Central Committee meeting held on the 10th January, 2016.
As decided by the Central Committee, a District Committee was formed at Tumkur
on the 13th February, 2016. Shri K Mahesh Chandra, Shri Shiva Kumar, Shri Sevya
Naik and Shri N B Veerendra Kumar are elected unanimously as President, Vice
President, General Secretary and Treasurer respectively. Shri B Dharanendra Kumar,
Secretary of our Commune is an Ex-Officio member of Tumkur District Committee.
A Vibrant and active District Committee of our Commune is born.
Davanagere District Committee :
On the 25th June, 2016, a meeting of retirees residing at Davanagere was formed
and over 65 of our members were present, even though this meeting was organised
in five days. Functionaries of our Commune participated and explained various
queries. Medi Assist Cards were also distributed. A district committee was also
formed at Davanagere on that day. Shri Umesh Pai, Shri A Raghunandan and Shri
Ajithkumar S Nyamathi were elected unanimously as President, Vice President and
General Secretary of Davanagere District Committee of SBM Pensioners’ Commune.
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North East States Committee :
Not many members of our Commune stays in North Eastern States, including West
Bengal. Number of Branches of our Bank is also not significant. Still, with a view
to form West Bengal State Committee, Shri P K De, a former leader of SBM Employees’
Union was requested to coordinate and organise a meeting of members of our
Commune staying in West Bengal. Since, not many stay outside West Bengal in
North Eastern part of the Country, a meeting of members who are residing in other
Eastern States was also called on the 20th July, 2016 at our Bank’s Rash Bihari
Avenue Branch premises. More than 35 members participated and a Committee
has been formed. Shri P K De, Shri S Dutta, Shri D Bhattacharya and Shri D Paul were
elected as the President, General Secretary, Deputy General Secretary and Treasurer
respectively.
Shivamogga District Committee :
Shivamogga is yet another District where more than 100 retirees of our Bank are
residing. In fact, number of retirees of our Bank outnumber retirees of other Banks
in Shivamogga District also. With a view to meet aspirations and desires of members
of our Commune residing at Shivamogga, a meeting of retirees was also conducted
at Shivamogga on the 22nd July, 2016. More than 80 of members of our Commune
participated in the Meeting held at Hotel Samrat Ashok. Logo of 5th Triennial
Conference is also launched by the former President of SBM Employees’ Union, Shri
H S Hiriyannaiah, who is also elected as the President of Shivamogga District
Committee. Shri K T Srinivasa Rao, Shri S V Manjunatha and Shri Mohandas Rao,
were elected as General Secretary, Organising Secretary and Treasurer respectively.
Formation of General Council:
The experience during last four years has made us to think about formation of a
General Council. Post-merger, many important decisions need to be taken. Many
such decisions need wider debate and deliberations. Central Committee is too
small and calling a General Meeting like this is time consuming and also cost of
conducting such meetings is also enormous. Larger number of functionaries of
District/Area Committees should also be accommodated. Therefore, a General
Councilconsisting of representatives of District Committees and Area Committees
in addition to larger number of activists who can add value needs to be formed to
strengthen our Commune. We seek approval of this body for formation of a General
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Council. This General Council shall have advantages of a General Body and
convenience of a smaller body. As a part of amendments to Bye-laws, we shall
discuss powers, etc. of this body.
Mysore Bank Shathayu :
We recall your memories of launching of ‘Mysore Bank Shathayu’ by Shri H N Anantha
Kumar, Minister, Govt. of India, on the 2nd February, 2014 at Vijaya College
Auditorium, Bangalore. Now, we have Registered our ‘Mysore Bank Shathayu’ with
Registration No.MAG(3)/NPP/391/2015-2016. Registration of ‘Mysore Bank
Shathayu’ with Registrar of News Paper is underway, as we have attended to certain
observations made by Registrar of Newspapers in India. With this move, we are
compelled to come out with issues every month.
We are pleased to report that the Contents of our Magazine has received alround
appreciation, not only from our members, but also from other Banks’ retirees. We
would like to place on record the services of Shri Tharanath in assisting us in getting
registration from Registrar of Newspapers for India.
Medical Insurance :
We have widely circulated and discussed benefits, advantages, terms and conditions
of IBA Medical Insurance Scheme. IBA Medical Scheme is extended to retirees on
account of provisions of 10th Bipartite Settlement. Problems arising out of
implementation of this Scheme like exclusion of Domiciliary Treatment expenses,
OPD expenses, etc. need to be kept in mind. Information that is trickling in from
various sources indicate that claim ratio is more than 200% of the gross premium
paid, as at the end of June, 2016. Final claim ratio may be in excess of 300%. The
terms of contract with United India Insurance Co. Ltd provide for negotiation of
premium payable for next year period. Usually, premium would be in the range of
± 15% of claim outgo.
We and our members have to think a lot with regard to IBA Medical Insurance
Scheme, post-merger. State Bank of India is not a party to provisions of settlement
relating to Medical Insurance Scheme. Retired Employees Medical Insurance Scheme
has replaced Retired Employees Medical Benefit Scheme. This Scheme has two
parts. Part A covers those who are members of REMBS. The amount of coverage is
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SBMPC - General Secretary Report
restricted to the balance of limit only. This limit gets reduced to the extent of
amount claimed from the insurance company. The premium is paid by the Bank.
The Scheme also allows 15% to 25% of the limit for claiming domiciliary treatment.
The premium is competitive. However, we are not sure about renewal premium.
Those who are not part of REMBS can join the Scheme by paying premium/additional
premium depending on the required coverage. We have provided entire scheme,
as annexure to this report. After detailed discussion, we would come out with
suggestion with regard to further course of action with regard to REMBS.
But, we need to ponder about various options before us as far as Insurance coverage
is concerned. We have also enclosed circulars issued by State Bank of India with
regard to Medical Insurance Scheme of SBI Retirees.We are considering resolutions
in this regard.
Donation :
We have been requesting our members to donate liberally. We also requested our
members to give Standing Instructions for transferring amounts to our Commune’s
account every month. Many of them have responded and their names are listed in
Annexure. We are happy with the responses of our members and would be happier,
if every one of you can give Standing Instructions.
Further, many of our members have given donation in lumpsum. We have also
provided their names along with the amount of their contribution. Please join us in
commending their decision. Thank you very much, friends.
Accounts &Finance :
Expenditure incurred during 2012-13 is Rs.5,01,959/-, during 2013-14 is Rs.631,345/-,
during 2014-15 is Rs.6,17,013/- and during 2015 – 16 is Rs.10,63,548/-. The amount
of expenditure incurred for attending Trichur Conference, Workshops on Medical
Insurance, formation of District Committees, expenses incurred for visiting Mysore
to attend Pre-retirement training etc., are included in Rs.10,63,548/-, spent during
this year.
We have also spent over Rs.1,00,000/- towards Legal expenses for fighting our
case at Supreme Court.
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SBMPC - General Secretary Report
We are maintaining books of accounts are Computerised. Account books are printed
and bound. Any of members who desires to have further information, may please
visit our Office.
Now, we have fixed deposits to the extent of Rs.18.00 lacs and accrued interest in
excess of Rs.2.00 lacs. We have debit authorizations to the extent of about Rs.25.00
lacs. As at 31.3.2012, Bank balance we had was about Rs.14.00 lacs. We have,
indeed grown financially also.
Responses to Questionnaire :
We had enclosed a Questionnaire to July issue of Mysore Bank Shathayu, requesting
our members to provide their opinion on functioning of our Commune and also their
personal details which are useful in rendering better service. We are in receipt of
over 1,000 responses and responses are being received every day. While most of
our members are satisfied, many of them have also commended our efforts and
services. There are a few responses where our members have expressed
reservations. The first one is regarding not extending the facility of dispensing
with keeping matching deposits as provided in SC 80 to those who have retired
earlier, non-receipt of Medical Insurance E-Cards and improving communications.
Since, State Bank of India has advised our Bank that this facility of dispensing with
maintaining matching deposits in respect of those who retired earlier, we did not
respond due to inexplicable reasons. We have personally called the person and
explained the reasons.
Perhaps, our Commune is the only Bank Retirees’ Organisation which has undertaken
this activity of distribution of Medi Assist E-Cards. We have several constrains and
still we have sent more than 98% of Cards. In most of remaining cases, we do not
have addresses. Therefore, you may contact our Volunteers and if you have not
received these cards, you may please obtain the same, if they are available.
It is our endeavor to take service by our Commune to higher levels. Please assist us
by your indulgence.
Conclusion :
Personally, I never aspired for or dreamt that I would stand before you today,
presenting General Secretary’s Report. I was aware that it will take efforts, time,
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SBMPC - General Secretary Report
blood, sweat and tears. The circumstances under which I had to take this
responsibility forced me to make determined efforts to prove that our Commune
would be second to none in every area which is pertinent to retirees’ organization.
I do not know, how far we have succeeded. It is you who has to say, whether we
have succeeded or I have failed.
I am using the letter ‘I’. It is not on account of arrogance connected with this. But,
it is only ‘I’ who is responsible for every mistake we have committed, every error of
ours and failures on our part. I have made mistakes. But, I never made a mistake of
claiming that I never made a mistake. After all, it is only who work can make mistakes,
but not those who do not work.
While I plead each one of you to condone the lapses, we always welcome your
guidance and suggestion.
Thank you very much.
******
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