Visit us at : www.sbipensionerspune.org e-mail : sbipenmumbai@yahoo.com

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Mumbai Zonal Sub-CentrePlease read the Notice of Mumbai Zonal Sub-

centre’s 22nd Annual General Meeting printed on PageNo.3. Please note that no separate Notice of the AGM

will be sent to the members.

Hearing of Delhi High Court case started on 15th Jan., 09

2

January 2009 SAMVAD

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g. ~. JmoIbog. ~. JmoIbog. ~. JmoIbog. ~. JmoIbog. ~. JmoIboà_wI goH«o$Q>ar

REMAIN YOUNG AT HEARTWe keep growing each passing day adding to years.

Some grey hair and wrinkles upset us for the on-set ofsenescence. Time passes ceaselessly. Our body, a Godgiven machine, undergoes wear and tear. But we are notshunted like other machines. Our growing old addswisdom in us. Life's experiences enhance mellowness andmaturity. A fit mind is the key of a person's overall wellbeing. It is one's attitude towards life that matters most. Anegative attitude is sure sign of old age. It shows that theperson has really stopped growing in any gainful manner.It speaks of his lost faith in himself and in everybodyaround him. The first and the foremost thing is that you

have still the potentialities of life. The toils in your life arenever forgotten. Develop a positive mental attitude.

Take livey interest in the surroundings. Don't broodover the past or dwell in the future. Enjoy the persentperfectly. If you develop diverse interests in life, thechances of enjoying long and healthy life are greater. Don'tthink old age is a burden. Add 'LIFE' to your 'YEARS'.Remain 'full of life' which will keep you healthy, happyand peaceful. You are old only if you feel old. Young atheart will remain young forever.

- C. N. Vazirani, Nagpur.Mobile No.- 9822717498

3

January 2009 SAMVAD

State Bank Of India Pensioners’ Association(Mumbai Circle), Pune

Mumbai Zonal Sub-centreA/5, Swami Siddharth CHS Ltd.S. V. Road, NaupadaThane 400 602Tel No.- 25446837

Dt : 15th January 2009

N O T I C EThe Managing Committee of the Mumbai Zonal Sub-Centre at its meeting held on the

10th January, 2009 has decided to hold the 22nd Annual General Meeting of our Association’sMumbai Zonal Sub-Centre on Wednesday the 18th February, 2009 at 12.00 noon at the followingaddress:-

Shri Shivaji Mandir (Natya Gruha), Opp. Plaza Theatre, N. C. Kelkar Path,Dadar (W) Mumbai 400 028.

A G E N D A1) To condole the death of Bank’s Pensioners/Family Pensioners/ Associate Members whose

names have been reported to us after the 22nd February 2008. Members are requested toadvise us the names and dates of death of members, if not found in the list to be read at thetime of AGM.

2) To confirm the minutes of the Annual General Meeting held on the 22nd February, 2008(Minutes published in November 2008 issue of Samvad)

3) To honour senior members who have completed/will complete 75 years age between the22nd February 2008 and the 18th February 2009 (both days inclusive)

4) Committee’s Report for the year 2008 to be read, discussed and adopted (A copy of thereport is enclosed)

5) To discuss the recent developments.6) Speech of the Chief Guest.7) Speech of the President.8) Any other business with the permission of the Chair.

By order of the Managing Committee S. B. Gokhale

Encl.: Report Principal Secretary*********************************

Note :-i) Please bring a copy of “Samvad” issue for December 2008 and January 2009 along with

you for security purpose.ii) Please inform other members, known to you, about this meeting.iii) The meeting of the Bank’s Pensioners arranged by the Bank on the

18th February 2009 will start at 12.30 noon at the same venue. (Due to excigencies ofservices the timing may be changed.)

Important : As per our practice, a memorandum covering all the problems will be submittedto the management well in advance to enable them to study and reply in Bank’s Meeting. Pensioners/Family Pensioners are, therefore, requested to furnish their problems to us in writing so as to

4

January 2009 SAMVAD

reach us say before 12/02/2009, so that a consolidated memorandum will be put up to the BankManagement to avoid direct questions/discussion with the management representatives in themeeting. This is requested to adhere to the time schedule.

iv) Snacks will be served on the 3rd Floor of the building as usual.v) All seats in 'A' to'C' rows are reserved for special invitees. Members are requested to

please occupy the other seats.

Report of the Managing Committee of the Mumbai Zonal Sub-centrefor the year – 2008

The last Annual General Meeting of our Circle Association was held at Pune on the 1st August,2008.

1) Managing Committee Meetings : During 2008, four Committee Meetings were heldwhich were well attended.

2) Condolences : We regret to advise the death of the members whose names havebeen/willbe published in various issues of ‘Samvad’. However, all the names will be readat the time of AGM. We extend our heartfelt condolences to the bereaved families.

"May the departed souls of the members rest in peace"3) Membership and Finance : During 2008, 197 new members were enrolled as against

717 new members in 2007 as under :Patron Members : 105Associate Patron Members : 85Associate Benefactor Members : 1Family Patron Members : 06Family Benefactor Members : NILTotal New Members Enrolled During 2008 : 197

Out of 197 New Members, the break up of old retirees and who retired during 2008 is asunder:-

Old Pensioners/Associate/Family Pensioners : 17New Pensioners/Associate/Family Pensioners : 180

Total : 197The office bearers/the Committee Members who have been instrumental for enrolling 197 new

members during the year are as under:-S/Shri P.A. Lopes, S.W. Agarkar, S.M. Dharadhar, R.S. Rajiwadekar, P.S. Uchagaonkar, J.B.Pusalkar,

M. V. Nadkarni and Miss Neela V. Vyavaharkar.Due to exit policy adopted by the Bank in 2007 there was increase in membership.Some of the existing Pensioners/Associate Members/Family Pensioners have become patron

member by paying difference in the membership fee.We request our pensioners, family pensionersand associate members who are yet to become patron member to do so by paying the difference.

A sum of Rs. 3,85,225/- has been collected during the year under report as againstRs. 12,53,861/- during 2007.

The breakup of collection is as under:-Admission Fee, Membership Fee Rs. 1,98,470Donations received for Building Fund Rs. 79,399Legal Fund Rs. 350Distress Relief Fund Rs. 250Misc. Donations Rs. 55,306Samvad Magazine Rs. 700Advt. in Samvad issue Rs. 50,750

Total Rs. 3,85,225

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January 2009 SAMVAD

We are glad to state that several members have given donations for various reasons viz.1) Excellent work done by the Association; 2) Daughter’s/Son’s marriage; 3) 70th and 75th

Birthday Ceremony; 4) In memory of beloved family members etc.In this connection it is necessary to make a special mention of the following donees.

Name of Donor Amount Name of Donor AmountShri M.P. Khambete Rs. 12,500/- Shri Sorab Bhusania Rs. 10,000/-Shri S. S. Kharkhanis Rs. 5,551/- Shri U.R. Dhuri Rs. 5,500/-Shri H.A. Mistry Rs. 5,101/- A Well wisher Rs. 5,001/-A Well wisher Rs. 5,001/- Shri P.H. Hansotia Rs. 5,001/-Shri H.S. Hattangadi Rs. 5,001/- Shri R.V. Bhave Rs. 5,000/-Mrs. Meena Shevade Rs. 5,000/- Shri K.V. Chitre Rs. 5,000/-Smt. Meera Kulkarni Rs. 5,000/- Smt. Padmaja Mhadgut Rs. 5,000/-Shri Sunil C. Mone Rs. 5,000/- Smt. Sarita S. Avad Rs. 5,000/-

We have to reimburse the cost of flat to the extent of Rs. 10 lacs to Head Quarters. We have sofar collected Rs. 7.09 lacs. Members are requested to kindly donate generously towards Buildingfund.

4. Local Meetings : During the year 2008, Five meetings of the Pensioners were held asunder:-

Sr.No. Name of Branch Branch Manager Date of Meeting1. SBI Andheri Branch (E) Shri Kulkarni 17-04-20082. SBI Virar Branch Shri Harish Chud Naik 26-07-20083. Dombivali (East) Branch Shri Dilip Kulkarni 17-09-2008*4. SBI Dombivali (East) Branch Shri Dilip Kulkarni 28-11-20085. SBI Naupada Branch Shri Deepak Dandekar 05-12-2008

* At the instance of GM Network-IIThe present progress about the revision of Pension / Family Pension etc. was explained to

the Pensioners. A session of questions & answers was also arranged during the meetings.

5. Court Cases : You are aware that Federation has supported a case filed by seven pensionersin the High Court, New Delhi against Govt. of India/Reserve Bank of India/State Bank of India.The case is adjourned to 12-1-2009. The prayers have been published in Samvad issue of November2008. Federation has also initiated/impleaded in the cases filed at Hyderabad/Kerala/Nagpur andBangalore. The subjects included in these cases are 7th Bipartite retirees/Family Pension, 100%Neutralization of DA. The Mumbai Circle will file case on “discrimination” in High Court of JudicatureMumbai shortly.

6. IBI Employees Provident Fund Forefeiture A/c :Since the Government’s approval is awaited, the Bank could not issue Circular for payment

of Rs.5000/- to the IBI retirees for the year 2007 and remaining amount in 2008.7. Family Pension Scheme :

The Family Pension was introduced in the Bank w.e.f. 1-1-86 in consultation with theRBI & prior approval of the Government of India and thereafter as pronounced by the SupremeCourt on 23-2-1989, which is identical to the 4th Central Pay Commission where D.A. upto 332pts. was merged. Thereafter four bipartite settlements for revision of salary have taken placehowever there was no revision in family Pension. Our Federation had been making persistentefforts to revise the Family Pension. We have even filed a case against the Bank/Govt. of India inthe Nagpur Bench of Mumbai High Court. The working Staff Unions/Associations demandedfamily Pension at Industry level where D.A. upto 600 pts. was merged in this context pleaseperuse article State Bank of India – Family Pension Scheme Then & Now written by Shri B.G.

6

January 2009 SAMVAD

Dandekar, President Federation of SBIPA which was published in Samvad in December 2008. TheIndustry level family Pension is being implemented in a phased manner.

NOTE: In the case of part time employees, Family Pension at 30% Flat rate is necessary toavoid anomalous position.

8. Fix Personal Pay (FPP) : Retirees under 8th Bipartite Settlement will get 50% of FPP aspension w.e.f. 1-5-2005 and D.A. will be paid on it. The development of Software to calculate andinclude the FPP in Pension is in progress. This will be paid in due course.

9. SBI retired Medical Benefit Scheme :The Review of the captioned scheme was published in Samvad Issue of April 2008. The list of

approved hospitals in Mumbai under retired employees medical benefit scheme and list of diagnosticcentres in Mumbai are as under:

Approved Hospitals in Mumbai1. Wockhardt Hospital Ltd., Mulund2. Bombay Hospital, Mumbai3. Dr. Balabhai Nanavati Hospital, Mumbai4. Shushrusha Hospital, Mumbai5. Jasolk Hospital & Research Centre, Mumbai6. Tata Memorial Cenre, Mumbai7. R.G. Stone Urological Research Centre, Mumbai8. M/s. P.D. Hinduja Hospital, Mumbai9. M/s. Cumballa Hill Hospital, Mumbai10. M/s. Prince Alikhan Hospital, Mumbai11. M/s. Asian Heart Institute, Mumbai

Diagnostic Centres in Mumbai1. Sidhava X Ray Clinic, Mumbai2. Anita Pathology Laboratory, Churchgate, Mumbai3. Sukhsagar Clinic, Opera House, Mumbai4. Prakruti Polyclinic, Bandra (W), Mumbai5. BSES Hospital, Andheri (W), Mumbai6. Anjali Pathology Lab, Malad (W), Mumbai7. Dr. Mopkar’s Diagnostic Lab, Nallasopara (W), Dist. Thane8. Dr. Shah’s Diagnostic & Medical Research Centre, Ghatkopar (E), Mumbai9. Sai Siddhi Diagnostic Centre, Nerul, Navi Mumbai10. Clini Labs, Borivali (W), Mumbai11. Shree Gangotri Polyclinic, Dombivli (W), Dist. Thane12. Candes Pathology Laboratory, Borivali (W), Mumbai13. Singhvi X-Ray Clinic, Borivali (W), Mumbai14. Suyash Diagnostic Centre, Thane

Medical Checkup camp for SBI Pensioners was arranged at M/s. R.G. Stone Urology &Laparoscopy Hospital, Khar, Mumbai 400 052 from November 2008 to January 2009.

On Federation FrontWe are happy to inform all our Pensioner colleagues that the Governing Body of our Federation

which met at Bangalore on 15th and 16th December, 2007 has decided to launch heroic struggle toresolve the long pending several demands/issues before the management and Government ofIndia, New Delhi. The Governing Body has adopted the resolution and constituted an ActionCommittee to spearhed our movement. Shri V.M. Gokhale is one of the member of the ActionCommittee on behalf of our Circle Association.

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January 2009 SAMVAD

As discussed in 3rd Action Committee Meeting held at SLC Hyderabad on 21-6-2008 the opinionof the affiliates was that our Federation should be strong and vibrant in days to come. AccordinglyAction Committee and Coordination Committee met at Bangalore on 24-7-2008 for discussing thepending issues/anomalies in respect of superannuation benefits.

The Meeting decided to pursue the following issues vigorously.a) Resolving the issue of Pension in respect of retirees under 7th B.S.b) Anomaly relating to FPP (since resolved but payment is yet to be effected)c) Upgradation of Pension in respect of earlier retireesd) Pension at 50% of last drawn Paye) Commutation formula as per Industry Settlementf) 100% DA neutralization for earlier retirees/Family Pensioners andg) Family pension at 30% flat rate.

Since there was no progress in respect of the above demands, both with the Bank Managementand also the Government of India, Banking Deptt. New Delhi, it was decided to hold a day long'Dharna' in front of Corporate Centre on 23rd September 2008 in Mumbai and on 6th October 2008at New Delhi. All other affiliates also staged 'Dharna' at respective Circles. The fraternal supportand co-operation of the Staff Union and Officers' Association was sought for smooth implementationof the programme.

Due to legal problems/hurdles the 'Dharna' programme at Corporate Centre was shifted toAzad Maidan, Mumbai on 23rd September 2008. Both the working Staff Union/Associationparticipated in Dharna. Retired Sr. Executives, viz. Mg. Director /CGMS/GM/Dy. GMS etc. participatedin Dharna. The number of participants was more than 600. The Historic Dharna at Mumbai on 23rd

September 2008 will be written in golden letters in the History of the Pensioners movement. Onthe same day a delegation under the leadership of Federation President Shri B.G. Dandekar,discussed about our demand with Smt. Bharati Rao, Dy. Mg. Director & CDO Corporate Centre,Mumbai and requested for early resolution of our demands. Smt. Bharati Rao assured the delegationthat the Bank is in continuous dialogue with the Government authorities and expect solutions tosome problems shortly. The Dharna was also arranged at Jantar Mantar, New Delhi on 6th October2008 where more than 600 Pensioners/Family Pensioners participated. After the Dharna programme,the pensioners wentslogans were shouted in front of New Delhi LHO and Banking Deptt. Governmentof India, New Delhi. This was a unique event and this is also a golden day, as this is the first timethat Pensioners marched on Parliament Street. The logistic support was extended by the workingStaff Union/Association.

Shri B.G. Dandekar, with the good offices of Shri R. Nagrajan, President of Chennai CirclePensioners’ Association sought an appointment on 30th September 2008 at 3.00 p.m. with ShriK.V. Eapen IAS Jt. Secretary (IR) Government of India, Deptt. Of Banking & Financial Services,New Delhi. Shri B.G. Dandekar, President, Shri V.M. Gokhale, President SBIPA, Mumbai Circle,and Shri H.R. Magon, General Secretary, SBIPA, Delhi Circle met Shri K. V. Eapen, IAS on 30th

September 2008 at 3.00 p.m. Shri Dandekar explained how various anomalies have been croppedafter every salary revision since1987. Shri Eapen gave patient hearing to our issues for over onehour and assured to look into the problems. Shri M.K. Malhotra Under Secretary, Banking Departmentwas also present in the Meeting.

As there was no progress in settlement of any of our problems from the Bank’s side, it was feltnecessary to have a follow up Meeting with Banking Dept. Officials. Accordingly a meeting wasarranged with Shri K.V. Eapen on the 19th December 2008 to understand the Government’s thinkingon the various matters. The Federation was represented by Sarvashri B.G. Dandekar, V.M. Gokhale,and P.K. Pathak, from Delhi Circle (in place of Shri H.R. Magon).

The following issues were again explained in detail.a) Denial and recovery of dearness relief to a group of retirees whose pensionable service

ceased prior to 1-11-1987;b) Lowest i.e. 31% of pay as pension to a group of pensioners whose pensionable service

ceased during 1-11-1987 and 31-10-1993;

8

January 2009 SAMVAD

c) Fixed Pension (Rs.4250 p.m.) to all Officers under various categories, during 1-11-1993and 28-2-1999;

d) Even after implementation of 50%-40% formula officers from Scale I to IV are getting onefixed pension (Rs.4250 p.m.) although their salaries are different. There is no change even now.

e) Retirees between 1997 to 2002 are in receipt of pension calculated on pre-revised salarythough those who retired after 31-10-2002 are in receipt of pension calculated on the actualsalary of the employee at the time of retirement. In this connection time and again we requestedto know the reasons for this discrimination. However there was no reply.

We also brought to the notice of the officials the latest judgement of the Madras High Court onthis subject and requested to implement the directions of the High Court. However, we were toldthat the matter has been referred to their Law Department for opinion. (We understand from theBank authorities that no appeal will be filed by the Bank)

f) We emphasized the need for extending the formula of ‘100% D.A. neutralization’ to all earlierretirees;

g) We brought to the notice of the officials the anomalies in the payment of family pensionaccording to ‘Industry level formula’ and requested to adopt the formula of 30% (flat rate) of payas Family Pension identical to the recommendations of the 5th Pay Commission;

h) We also brought to their notice that the former Dy. M.D’s gross pension is less than the grosspension of a clerk who retired in 2006 and requested for updation of pension as implemented forthe pensioners of Government. However, the officials forcefully stated that this principle will notbe extended to the employees in the Banking Industry. When we cited Reserve Bank’s example,they said that instructions have been issued to RBI to withdraw this facility.

As promised by Shri V. D. Deshpande, AGM, PPG Department, CC Mumbai, at the time of AGMheld on 22nd February 2008, all the promises have been fulfilled except a booklet to be publishedfor retirees which is under print and would be issued to Pensioners in due course.

There are two SBI Pensioners’ Clubs functioning at Andheri (E) and Thane. Both the clubs areundertaking excersion programme, speeches by the prominent persons, cultural activities etc.

In the Association Office the library is functioning which has more than 700 books. Shri VasantKanhere is a librarian who functions efficiently.

Shri V.M. Gokhale, President SBIPA Mumbai Circle and Shri S.B. Gokhale, Principal Secretaryattended the AGM, Aurangabad Zonal Sub-centre at Dhule on 16-03-2008.

We thank Corporate Centre Executives, Staff of PPG Deptt. at Corporate Centre and MumbaiLHO for their co-operation in solving our problems. We thank Shri Y.S.S. Kapdi/Shri B.B. Das,Chief General Manager (HRD), Shri A.V. Deole, Dy. GM (IR), Shri K.K. Das, Dy. GM PPG, Shri S.B.Lal/Shri Chopra, Chief Manger (Personnel), Shri V.D. Deshpande, AGM PPG Deptt., and Shri S.S.Pradhan, Dy. GM (PRO), Shri Chintamani Mulay, PPG Deptt., all from Corporate Centre withwhom we had discussions regarding several problems.

We thank Dr. (Mrs.) V.M. Ajinkya, Chief Medical Officer and Shri V.M. PanchbhoyAdministrative Officer, Medical Deptt. Corporate Centre for their advices.

Further, we thank Mumbai Circle Authorities, specially Shri N. Raja, CGM, Shri Sunil Pant (GM),Shri Sharad Sharma (GM), Shri.Abhay Kumar Singh, Shri.R.J.Ghatey, Shri Rajeev Lal, DGM &CDO, and Shri A.G. Herlekar/Smt. Varsha Mondkar, AGM (Personnel & HRD); officers from StaffWelfare cell at Mumbai LHO, Shri V. Sequira (PRO) Mumbai LHO, Shri A.M. Salvi, AGM PPG Deptt.and Staff Members from PPG Deptt. Mumbai LHO., Mrs. Manisha Padhye, Sr. Medical OfficerMumbai LHO.

We also thank Shri A. T. Bodele, AGM, ZO Mumbai, Mrs. Shailaja Gharat/Shri Kamat, CMPersonnel & HRD, Shri V. Vishwanathan, Dy. Manager, from Personnel & HRD and Welfare Cell,Dr. Ramesh Nair, Sr. Medical Officer, Zonal Office, Mumbai for extending excellent co-operation toour Association.

By Order of the Managing CommitteeS. B. Gokhale

Principal Secretary

9

January 2009 SAMVAD

( We give below the corrected Table of Revision of Family Pension which was published on page 9 of December 2008 issuefor the information of the members)

Gross Family Pension on the basis of Salary revisionsfrom time to time with D.A. Merger to the extent of

100; 200; 332; 600; 1148; 1684 & 2288 points (CPIN – 1960 = 100) as on 31-12-2007Existing Gross Revised Gross

Category 100 200 332 600 1148 1684 2288 1 2 3 4 5 6 7 8Subordinate-Staff 2735 2735 2735 2217 2212 2217 2378Clerical 2735 3459 4104 2956 2958 2963 3220JMGS-I (Sub Acctt.) 3882 4991 4104 3439 3549 3751 4088MMGS-II 5015 4991 4138 3735 3840 4052 4450MMGS-III 5656 4991 4572 3735 3935 4152 4570SMG-IV 5656 4991 4646 3956 4033 4252 4690SMG-V 5656 4991 4863 4360 4418 4652 5172TEGS-VI 5656 4991 5217 4804 4881 5095 5701TEGS-VII 5656 5409 5405 5139 5401 5611 6197Spl.Gr-I (CGM) 5656 5666 5493 5286 5555 5927 6197

Spl.Gr-II Dy. M.D. 6134 5779 5641 5434 5709 6183 6197

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Shri. M. M. Sharma, retired Dy. Gen.Manager, who has now settled in Pune, wasthe Chief Guest at the Annual GeneralMeeting of our Chandigarh CirclePensioners' Association which was held on16th November 2008 at Chandigarh. Whileaddressing the gathering Shri.Sharmathanked the Chandigarh CircleAssociation's office-bearers for giving himan opportunity to meet the old colleaguesfrom his parent Circle and interact withthem. He apprised that the Governmentmachinery still does not appear to beinclined to accept our legitimate demandsfor revision of pension of 7th Bipartiteretirees and earlier pensioners. Heconveyed his good wishes for purposefuldiscussions on various issues confrontingthe pensioners. The Association conveyedits gratitude to Shri.M.M.Sharma andpresented a shawl and a bouquet whilehonouring him on the occasion.(courtesy - Chandigarh Circle Assn's magazine"S.B.I.Pensioners Mail" - November 2008 issue)

11

January 2009 SAMVAD

(We reproduce below the Corporate Centre's Circular No.NBG/BOD-GB/20/2008-09dated 06-08-2008 on Service Charges for non-home transactions)

W H I C H A R E E X E M P T F O R P E N S I O N E R S O F O U R B A N KPersonal Banking Business, Rationalisation of Service Charges,

Inter-Core Transactions Non-home transavtions

Please refer to e-Circular No.NBG/BOD-GB/50/2007-08 dated 09-01-2008. it has been decided by thecompetent authority to revise the service charges of inter-core transactions as detailed below.Sr. No. Facility Maximum Amount Charges i) Deposit of cash at non-home Rs.25,000/- per day Rs.2/- per 1000. Min Rs.25/- per

branches transaction ii) Deposit of cheques at home / No Limit Intracity, Intercity (per transaction)

non-home CBS Branch, drawn on Upto Rs.20,000/- - free;any CBS branch / other Banks Above Rs.20,000 & upto Rs.5.00 lac -

Rs.1.50 per 1000. Above Rs.5.00 lacRs.1/- per 1000.Min Rs.750/-. andMax Rs.1,250/-

iii) Deposit of clearing instruments at No Limit Same as abovenon-home CBS Branch, drawn onnon-CBS branch / other Banks

iv) Encashment of cheque at non-home Cash withdrawal (by the Freebranch account holder) :

Rs.50,000/- per day.Transfer to another SB / CA Same charges as in term (ii) aboveat another CBS BranchIssuance of draft / B.Ch./TT Same charges as in item no.(ii)

above + Issuance charges. v) Transfer of funds from home branch No Limit Same charges as item (ii) above

to third party accounts at anotherCBS Branch

vi) Pass-book updation at non-home ---- Rs.10/- per pass-bookbranch

Note :a) Charges are to be recovered from the account where the credit is afforded. However, no recovery shall be effected

from the accounts of Vishesh Customers and holders of Savings Plus and Premium Savings Accounts.b) Charges recovered are to be credited to the branch which puts through the transaction.c) Transactions put through at non-home branches, where both the legs (debit and credit) involve inter core transactions

at out-station branches; will be charged for one leg only.d) Circles have the discretion to reduce the maximum cash withdrawal limit per non-home transaction at non-chest branches.e) Non-home transactions will be allowed to be conducted without any service charge from all staff/

pensioners and staff of Associates.f) Specialized branches like SPBs and PBBs are exempted from doing non-home transactions.g) Special Branches like Core-Power branches will do all non-home transactions without charging any fee.2. GIT Centre is trying to incorporate the charges in the software itself by 01-09-2008. In case the charges are not

effected by them, the branches should be in a position to recover the charges manually.3. While we are arranging to display the revised service charges on Bank's intranet / website, please arrange to

display the charges on Branch Notice Boards for information of the public immediately.4. please arrange accordingly.

Sd/- For Dy. Managing Director & Group Executive (NB)

(Courtesey - SBI Elders Voice, magazine of Chennai Circle Pen.Assn.)

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January 2009 SAMVAD

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Am_À`m "ìhr Ama Eg' J«wnZo EH$_oH$m§Zm \$moZm\$moZr Ho$crVoìhm Agm gya {ZKmcm- "g§KQ>ZoMo Ago \$moZ Ooìhm oVmV VoìhmAmnU EH$Va H$mZmS>moim Var H$aVmo qH$dm H$mhrVar g~~r VarnwT>o H$aVmo, nU Ë`m§À`m H$ï>m§_wio {_iUma§ cmoUr Im`cm _mÌgJù`m§MoM hmV nwT>o AgVmV, Voìhm m Ionocm Var OmD$Z ~Ky m.'

`m "nwiŠ`m_mJMr' Iar Jmo_ Aer hmoVr H$s, " m Am§XmocZmcmOmñVrV OmñV à{VgmX {_imdm åhUyZ g§KQ>ZoÀ`m "R>mUm' emIoZoEH$ ~gM ~wH$ Ho$cr hmoVr. Pmc§M Va nmoQ>nyOoMrhr ì`dñWm Ho$crhmoVr. Ë`m_wio \w$H$Q>Mr _w§~B© Xe©Z ŸQ´>rn Am{U Agmo{gEeZcmnmqR>~m Ag§ Xwhoar nwÊ` nXamV nS>Uma hmoV§. EdT>§ hmoV§ VargwÕm{Zåå`m ~m`H$m Jië`mM.

~g_Yë`m Mmirg OUmV {Zå_m J«wn Am_Mm hmoVm. cdH$aAmdam`Mr gd` gwQ>ë`mZo, gH$miMr gmS>oAmR>Mr doi JmR>VmZmIa§Va Am_Mr X_N>mH$M Pmcr. nU ~g gwQ>ë`mda, WmoS>çmMdoimV {IS>H$sVyZ oUma§ dma§ Am_À`m H$mZmV am`cm cmJc§.

{ccdmZr gmho~m§Zr A§VmjarMr Qy>_ H$mT>cr Am{U Jio _moH$iohmoD$ cmJco. hiyhiy ghcrMm _yS> O_y cmJcm. Varhr nwT>o ~gcocoÁ oð> _mÌ, AmR>dUrZo ~amo~a AmUcocm nona CKSy>Z, ñdV:À`mMH$mofmV Jwa\$Qy>Z ~gco hmoVo, AH$ñ_mV Ë`m pñWVàkm§n¡H$s EH$,åhUOoM Eg.Or.Xm§S>oH$a gmho~ "nrN>o _wS>' H$aV C o am{hco Am{UË`m§Zr MŠH$ JmU§ åhUm`cm gwê$dmV Ho$cr. "Ë`m gmdù`m VZyMo_O cmJco {ngo J....' Am{U Am_Mr ~mocVrM ~§X nS>cr.

JmU§ g§në`m~amo~a Q>mù`m§Mm nmD$g nS>cm Am{U Am_À`mOr oda "AdYyV Jwáo' ñdma Pmcm. cB mar, Mm~yH$, EH$X_ \$§Sy>,dm amd nma ~wŠH$m nmS>cmV H$s, _moSy>Z-VmoSy>Z Mmoim_moim H$ê$Z\o$Hy$Z {Xc§V Vwåhr Amåhmcm... B.B. Ia§ Va m JmÊ`mV {deofhaH$Vr ZmhrV Var XoIrc Hw$Urg§ åhUmc§ H$s Vw_À`m JmÊ`mVyZVmZm-_waŠ`m \ ma N>mZ oV hmoË`m åhUyZ..... EHy$U H$m` VagJioM gwQ>co hmoVo. H$mhr dfmªnydu [aOZc Am°{\$g_Ü o H$m_H$aUmè`m m H$S>H$ BórÀ`m gm`~mÀ`m Ho${~Z_Ü o {eaVmZm AmV-~mhoa H$aUmè`m Amåhr AmO Ë`m§Zm em~mgH$s XoÊ`mEdT>çm eyadraPmcmo hmoVmo. H$maU AmVm Amåhm gdmªÀ`m H$m°cadarc co~c EH$M

hmoV§, "ñQ>oQ> ~±H$ noÝeZa.'~g _Ü` _w§§~B©hÿZ OmD$ cmJcr, Ver nai mJmV ~mcnU

Jocoë`m maVrÀ`m A§JmV dralr g§Mmacr. S>mdrH$S>o ~Km, Vr C§M,Zdr B_maV {XgVo Zm, {VWo nydu qhX_mVm {WEQ>a hmoV§. Ë`mÀ`m_mJo Amho Vr "Ah_X goca {~{ëS>§J.' Amnco _Zmoha Omoer nyduBWoM ahmV. {VMr aqZJ H$m°_|Q>r gwê$ Pmcr Am{U Amåhr Q>H$_H$Q>H$_H$ ~Ky cmJcmo. nU {VÀ`m ~moQ>mÀ`m {XeoZo Amåhr ~Kon ªV~g nwT>o {ZKyZ Om`Mr Am{U _J CJrMM "{Xgcm J§ ~mB© {Xgcm'`m Vmcmda Am_À`m _mZm ImoQ>çm ImoQ>çm S>mocm`À`m. amUrMm ~mJ~KVmZm (AWm©V² ~mhoê$ZM) Va _mÂ`m _ZmV {Vgar H$ À`m Q>rnMrAmR>dU AJXr XmQy>Z Amcr.

Ë`m AmR>dUtÀ`m Vmaoda ñdma AgVmZmM Am_Mr ~g hoS>Am°{\$g g_moa Wm§~cr. {VWo nmohmoMë`mda cVrM ~mV_r H$mZmdanS>cr, "~±Ho$Zo åhUo, amVmoamV hm`H$moQ>m©H$Sy>Z H$m`m©c`mÀ`mAmdmamV _moMm©-~§Xr hþHy$_ {_idcm hmoVm.' Amåhmcm Km~aco ~hþVoH$.nU Amåhr H$mhr _oë`m AmB©M§ XyY ß`mcmo ZìhVmo. Am_Mmhr {Zü`R>acm. "h_ YaU§ YaZo AmE h¢ Ÿ& YaU§ YaH$ahr ah|Jo Ÿ&'

VodT>çmV Am_À`m ZoVo_§S>irV Ic~V§ Pmcr Am{U "AmPmX'_¡XmZmda g^m ¿`m`M§ R>ac§. Ë`mZwgma Amåhr nwÝhm EH$Xm ~g_Ü o{eacmo Am{U BH$Sy>Z {VH$S>o nmohMcmo. AmÎmmn ªV m _¡XmZmM§ Xe©Z\$ŠV XyaXe©Zdarc ~mVå`m§_YyZ KS>c§ hmoV§ qH$dm Ë`mg§~§Yrd¥ÎmnÌm§VyZ dmMc§ hmoV§. nU àË`j oQ>rMm moJ Agm AZno{jVnUoOwiyZ Amcm.

àdoeÛmamnmerM "^mS>moÌr a{hdmer g§KmMm' _oimdm ^acocm{Xgcm. nwT>M§ ñQ>oO, _hmamï´> amÁ` {Oëhm n[afXoÀ`m ZoË`m§Zrì`mnc§ hmoV§. Ë`m§Zr hr OmJm åhUo AJmoXaM ~wH$ Ho$cr hmoVr.Ë`m§À`mg_moa BVa H$_©Mmè`m§g_doV A§JUdmS>r {e{jH$m§Mm _moR>mg_wXm` CÝhmV VinV ~gcm hmoVm. cmD$S>ñnrH$ada AmdoenyU©^mfU§ gwê$ hmoVr..

gmdcrVcm EH$ H$monam nH$Sy>Z Amåhr \$VH$c _macr Am{UQ>mB_nmg åhUyZ ~amo~a Zococ§ À`mD$-å`mD$ Vm|S>mV Q>mH$m`cmgwê$dmV Ho$cr. VodT>çmV Hw$UrVar åhUmc§, gm§ miyZ Im ~a§. BWo\$moQ>moJ«m\$a {\$aVm`V. CÚm "AmYr nmoQ>mo~m Am{U _J {dR>mo~m' mhoS>tJImcr Vw_Mm \$moQ>mo nonamV PiHo$c, Voìhm gmdYmZ. AWm©V²`m {M„ÿ-{n„ÿ Bemè`mZo ImXrMr Midi H$mhr Wm§~cr Zmhr, nUgmdY Pmcmo BVH§$M.

AmË_m em§V Pmë`mda "J§_V' åhUyZ Amåhr eoOmè`m§À`mAmdmOmV AmdmO {_gicm. "AmJo ~T>mo h_ Vwåhmao gmW h¡ Ÿ&qPXm~mX, _wXm©~mX, Omo h_go Q>H$amEJm, {_Å>r_| {_c OmEJm,AmdmO Xmo, h_ EH$ h¡'.... B. B. ehmÊ`mgwaË`m _mUgm§Zr Z _mJVm

13

January 2009 SAMVAD

{Xcocm hm gnmoQ>© ~KyZ Vr _§S>ir J{hdacr Am{U Ë`m§Zr CXmanUoAÜ`m© VmgmMm ~«oH$ KoD$Z Am_À`m crS>g©H$S>o Amncm _mB©H$gmondcm. `m doimM§ gmoZ§ H$aV Am_À`m Agmo. AÜ`j~r.Or.Xm§S>oH$a gmho~ m§Zr m Am§XmocZmg§X^m©V Amåhmcm AnQwS>oQ>Ho$c§. {Xcoë`m doiocm OmJyZ, BVa dŠË`m§Zrhr doioV AmdaV§ KoVc§Am{U WmoS>çmM doimV AënmonhmamMr nmH$sQ>o EH$_oH$m§H$S>o nmghmoD$ cmJcr.

I_§J dS>çm§~amo~a Jßnm§Zmhr a§J MT>cm. m _moMm©gmR>r Am_MonoÝeZa {_Ì, nwUo, Zm{eH$, Am¡a§Jm~mX, ZmJnya, Jmodm Ago cm§~yZcm§~yZ Amco hmoVo, {Zd¥ÎmrZ§Va _w§~B© gmoSy>Z BVaÌ ñWmB©H$ Pmcoë`m`m _§S>itMr m _moMm© {Z{_ÎmmZo "am_-^aV' oQ> KS>cr Am{U _Z§_moH$ir hmoD$ cmJcr.

"coH$m, Joë`m _{hÝ`mV ewJa EdT>r dmT>cr H$s dmQ>c§ AmVmdmT>rd noÝeZ ñdßZmVM amhVo H$s H$m` !' `m VH«$marZ§VaEoH$Umè`mZo Amnë`m ~m`nmgMr H$Wm Am{U ì`Wm gm§Jm`cmgwê$dmV Ho$cr. H$moUmM§ "~r.nr.' CS>çm _mê$ cmJc§ hmoV§ Va H$moUr{H$S>ZrñQ>moZZo h¡amU Pmcm hmoVm, _mÌ JwS>KoXwIr, {ZÐmZme,{dñ_aU `m H$m`_Mo gmo~Vr ~Zcoë`m XwIÊ`m§er ~hþVoH$m§ZrA°S>OoñQ> H$ê$Z KoVc§ hmoV§.

Ë`m_mZmZo ~m`H$m§À`m JßnmVrc {df` doJio hmoVo. ~è`mMOUtZm coH$sgwZm§À`m ~mi§VnUmÀ`m {Z{_ÎmmZo \$m°arZ [aQ>Z© nXdr{_imcocr. _J H$m` {dMmaVm ? XoemoXoetÀ`m ~mcg§JmonZmÀ`mnÕVr mda EH$ Iw_mgXma n[ag§dmXM {VWo a§Jcm. Ë`m{edm` VyH$moUVm S>m` dmnaVog J§ ? qH$dm VwÂ`m _yiÀ`m XmVm§nojm ho Zd§S>|Ma EH$X_ ghr {XgV§ . Ago {Oìhmù`mMo {df` Vm|S>r cmdm`cmhmoVoM. m JmoVmdù`mV, ZmoH$arÀ`m gwê$dmVrcm _mÂ`m~amo~a H$m_H$aUmar EH$ H${cJ _cm nwè`m 32 dfmªZr oQ>cr. `m g§nyU©H$mcI§S>mMm B{Vhmg Amåhr H$gm~gm 30/35 {_{ZQ>mV g§ndcm.

Amë`mgaer AmPmX _¡XmZmg^modVmcMm n[agahr Amåhrnm`mImcyZ KmVcm. `m n[aH«$_oV ~mhoaMr MhmMr Q>nar Am{UH$monè`mVc§ gwc^ em¡Mmc` m XmoZ àojUr` ñWim§Zmhr oQ>r {Xë`m.

VodT>çmV ~g gwQ>Vo Aer hmH$mQ>r H$mZmda Amcr. nwÝhm EH$Xm_w§~B© Vo R>mUo àdmg^a Jßnm§Mr Zm°ZñQ>m°n _¡\$c a§Jcr. ~±Ho$VAgVmZm {_iUmam amoOMm AÜ`m© VmgmMm c§M ~«oH$ hm amoQ>r, H$nS>mAm{U _H$mZ m§À`m BVH$mM JaOoMm Amho. ho Amåhmcm nwÝhm EH$XmnQ>c§ Am{U Vmo {Xdg Iè`m AWm©Zo gmW©H$s cmJcm. dmT>rd noÝeZ{_im`Mr Voìhm {_ioc nU m _moMm©Zo Amåhmcm {Xcocr hr [a\o«$qeJ

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«_UÜdZr - 9324076249

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ñdmñÏ`, lÕm, _wŠVr øm {df`m§da "gmW©H$' ho nwñVH$ {chÿZÁ oð> ZmJ[aH$m§À`m kmZmV _mocmMr a Q>mH$cocr Amho. ~±Ho$Vrc_mUgo ZwgVr AmH$S>o_moS> H aUmar ZgVmV. Ë`m§Mr AZoH$ {df`mVJVr AgVo. 1993 gmcr {Zd¥Îm Pmë`mda lr. ~mJwc `m§Zr"Xmg~moY' J«§WmMm gImoc Aä`mg H$ê$Z {cImUmg gwê$dmVHo$cr. Ë`mVyZM Ë`m§Zm "gmW©H$' øm nwñVH$mMr H$ënZm gwMcr.nwñVH$mV AZoH$ g§ñH¥$V d B§J«Or AdVaUm§Mm mo½` dmna Ho$cmAmho. ñdmñW åhUOo H$m`, Ë`mÀ`m ì`m» onmgyZ gwadmV H$ê$Zd¡ {ŠVH$, H$m¡Qw>§{~H$, gm_m{OH$ ñdmñÏ`m~Ôc CËH¥$ï>> Chmnmohlr.~mJwc øm§Zr Ho$cocm Amho. Ë`mV ~mc_mZgemó, _mVm{nË`m§MrH$V©ì o, VéU d Á oð> øm§Zr Amnco ñdmñW H$go {Q>H${dconm{hOo ømMo {ddoMZ Amho. lÕo{edm` _mUyg OJyM eH$V Zmhr.lÕm hrM OrdZ{Zð>m Amho. A{dMc {dœmg åhUOoM lÕm._wŠVr øm {df`mda Ho$coco mî`hr A{Ve` gw§Xa Amho.

Amnë`mcm {_imcoë`m OrdZmMo gmW©H$ ìhmdo. Ago àË oH$Á oð>mg AmVyZ dmQ>V AgVo. Ë`mgmR>r gXa nwñVH$ Á oð>mgZŠH$s àoaUm XoB©c. nwñVH$mMr qH$_V AË §V Aën åhUOoê$.75/- AgyZ Amnë`m g^mgXmg Vo \$ŠV 50/- ê$n`mV{_iUma Amho. gdmªZr Ë`mMm cm^ ¿`md`mg hdm. ømgm{hË`H¥$Vr~Ôc lr.~mJwc øm§Mo A{^Z§XZ.

- eaX qeJdoH$a, nwUo- eaX qeJdoH$a, nwUo- eaX qeJdoH$a, nwUo- eaX qeJdoH$a, nwUo- eaX qeJdoH$a, nwUoXyaÜdZr - 24533300XyaÜdZr - 24533300XyaÜdZr - 24533300XyaÜdZr - 24533300XyaÜdZr - 24533300

à{gÕ Pmco - à{gÕ PmconwñVH$mMo Zmd - "gmW©H$'"gmW©H$'"gmW©H$'"gmW©H$'"gmW©H$' (ñdmñW, lÕm-_wŠVr)

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AÜ`mË_J«§Wm§À`m AmYmao gmoß`m mfoV Ho$coco dñVw{Zð> {ddoMZn¥ð>o - 152. _yë` ê$.75/- gdcV _yë` - ê$. 50/-

nmoñQ>mZo hdo Agë`mg g^mgXm§Zm Q>nmcIMm©g{hV ê$.75/-g§nH©$ - lr.JmoqdX ~mJwc. XyaÜdZr - (020) 24347070

«_UÜdZr - 9423558357nwñVH$ gdcVrV Imcrc {R>H$mUr CncãY -

lr. amOmam_ nam§Ono - ndZ ßc°pñQ>Šg{Ocã`m _méVr eoOmar, 1478 ewH«$dma noR>

_§S>B© añVm, nwUo - 411 002.XyaÜdZr - (020) 24455168Advt.

14

January 2009 SAMVAD

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nU m gmR>r Ë`m§Zm maV gaH$maMr nadmZJr ¿`mdr cmJoc.Ë`mgmR>r Vo amï>nVtZm {dZ§Vr H$aVrc. amï>nVr g¡Ý`mMr {dZ§Vr_§{Ì_§S>imH$S>o nmR>dVrc. n§VàYmZ cmoH$g oMr AmnËH$mcrZ~¡R>H$ ~mocmdVrc. na§Vw cmoH$g^m AZoH$ _wÚm§dê$Z CXm. àm§{VH$,^m{fH$, Ym{_©H$ B. dê$Z ñW{JV hmoB©c. {damoYr nj g^mË`mJH$aVrc, dm cmoH$g^m AÜ`jm§Zm Koamd KmcVrc. Ë`m§À`mdaH$mJXnÌo \o$H$Vrc. m gd© H$maUm§_wio cmoH$g^m ~o_wXV VhHy$~hmoB©c. amï´>nVr cdH$a {ZU© hmoÊ`mg§~§Yr nwÝhm n§VàYmZm§Zmñ_aUnÌ nmR>dVrc.

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nadmZJr {_imcr Ago H$ië`m~amo~a _mZd A{YH$ma d AUwwÕm{dê$ÕMo H$m ©H$V} OmJo hmoVrc d gaH$maÀ`m øm {ZU© m{dê$Õ

_mZdr gmIir H$ê$Z nmc©_|Q>cm Koamd KmcVrc. XoemV{R>H${R>H$mUr em§VVm ào_r cmoH$ añVm amoH$mo - aoc amoH$mo Am§XmocZgwê$ H$aVrc. Ë`m§À`mda nmo{cg cmR>r_ma-Jmoir~ma H$aVrc ;H$m ©H$V} ~gog d añË`mda C^r Agcocr dmhZo OmiVrc.

nmH$À`m ~mOyZo jonUmóm§Mo àjonU Omar amhrc na§Vw m§{ÌH$Xmofm§_wio Vo cú`m§EodOr ^cVrH$S>oM H$mogiVrc, H$mhr Aa~rg_wÐmV H$mogiVrc. H$mhr _mgo _aVrc. _J nm{H$ñVmZ A_o[aHo$ZoV`ma Ho$cocr jonUmóo gmoS>rc nU Ë`m§À`m dmnamMo V§Ì Zg_Oë`mZo Vo OoWyZ CS>mco VoWoM H$mogiVrc. H$mhr Ë`m§À`m_yiÀ`m cú`mda åhUOo a{e`mda OmVrc, nU a{e`m gmdYAgë`mZo Vr nwÝhm naV `oD$Z Bñcm_m~mXda H$mogiVrcnm{H$ñVmZmV hmhmH$ma _mOoc. anya Or{dV d {dÎmhmZr hmoB©c.nm{H$ñVmZ OJmH$S>o _XVrMr mMZm H$aoc.

^maV gaH$ma Vrd« Xw:I d g§doXZm ì`ŠV H$aoc d _XVrMmn{hcm hám åhUyZ 100 H$moQ>r é.Mr _XV Omhra H$aoc. {edm`H$mhr Q>Z nmc} Or {~pñH$Q>g² g_PmoVm EŠgàogZo admZm H$aoc.

Aem VèhoZo ^maVmcm jonUmó gmoS>Ê`mMr doi oUma ZmhrAm{U nm{H$ñVmZcm Oo gmYm`Mo Agoc Vo gmYVm oUma Zmhr Am{UXmoÝhr XoemV nwÝhm VmËnwaVr em§VVm àñWm{nV hmoB©c. O`qhX !

- dg§V YwnH$a,- dg§V YwnH$a,- dg§V YwnH$a,- dg§V YwnH$a,- dg§V YwnH$a, nwUo. ^«_UÜdZr - 09975845690

j dra_aUàoV Ë`mMo OiVmZm _r nm{hcoAly§Mo {H$VrH$ Vo Kar nmQ> dm{hco !amï>mgmR>r OJVmZm Ë`mZo Am wî` dm{hcoMma Amoir§Mo mfU dmMyZ gmao g§nco !am{hcr Ë`mMo _mJo EH$ PmonS>r_m`, VmV, nËZr Am{U _wco ~mnwS>r !IoX Zmhr I§V Zmhr gmam g_mO Mmccm^{dî` gmao àým§{H$V H$ê$Zr H$mi Wm§~cm !

- AaqdX Omoer - AaqdX Omoer - AaqdX Omoer - AaqdX Omoer - AaqdX Omoer, gm§Jcr

15

January 2009 SAMVAD

j g§dmX coI ñnYm© 2009Xa dfuà_mUo §Xmhr coI ñnYm© 2009 Omhra H$aVmZm {deof

AmZ§X hmoV Amho. m ñnY}V OmñVrV OmñV g^mgX/ghg^mgX^mJ KoD$Z Vr eñdr H$aVrc Aer Amem Amho.

ñnYo©g§~§Yr _m{hVr -1) 1) 1) 1) 1) {df`{df`{df`{df`{df` - - - - - * godm{Zd¥Îmr Pmcr - nwT>o H$m` ?

qH$dm* _mÂ`m H$ënZoVrc gwIr g§gma

2) 2) 2) 2) 2) eãX _`m©XmeãX _`m©XmeãX _`m©XmeãX _`m©XmeãX _`m©Xm - - - - - AmR>eo Vo EH$ hOma eãX.3) 3) 3) 3) 3) coI nmR>dÊ`mMr A§{V_ _wXVcoI nmR>dÊ`mMr A§{V_ _wXVcoI nmR>dÊ`mMr A§{V_ _wXVcoI nmR>dÊ`mMr A§{V_ _wXVcoI nmR>dÊ`mMr A§{V_ _wXV - - - - - 31 _mM© 2009.ñnY}gmR>rMo gd© coI 31 _mM© 2009 n`ªVM Am_MoH$S>o

nmoMVrc Aem ~oVmZo nmR>dmdoV. H$moUË`mhr H$maUmñVd A§{V__wXV dmT>{dcr OmUma Zmhr.

4) 4) 4) 4) 4) nm[aVmo{fH$m§Mo ñdê$nnm[aVmo{fH$m§Mo ñdê$nnm[aVmo{fH$m§Mo ñdê$nnm[aVmo{fH$m§Mo ñdê$nnm[aVmo{fH$m§Mo ñdê$n - - - - -nwê$f {d^mJnwê$f {d^mJnwê$f {d^mJnwê$f {d^mJnwê$f {d^mJ - àW_ H«$_m§H$ - ê . 500/-

{ÛVr` H«$_m§H$ - ê$. 300/-V¥Vr` H«$_m§H$ - ê . 200/-

ór {d^mJór {d^mJór {d^mJór {d^mJór {d^mJ - - - - - àW_ H«$_m§H$ - ê . 500/-{ÛVr` H«$_m§H$ - ê$. 300/-V¥Vr` H«$_m§H$ - ê . 200/-

BVa _hÎdmÀ`m gyMZmBVa _hÎdmÀ`m gyMZmBVa _hÎdmÀ`m gyMZmBVa _hÎdmÀ`m gyMZmBVa _hÎdmÀ`m gyMZm - - - - -1) hr ñnYm© Ho$di ñQ>oQ> ~±H$ Am°\$ B§{S>`m noÝeZg©

Agmo{gEeZÀ`m gd© g^mgXm§gmR>r d ghg^mgXm§gmR>rM Amho.2) coIZ AmIrd \w$cñHo$n (nm§T>am H$mJX) H$mJXmdaM

^anya g_mg gmoSy>Z, XmoZ AmoirV OmñV A§Va gmoSy>Z H$mJXmÀ`mEH$mM ~mOyg {c{hcoco Agmdo. nmR>nmoQ> {chÿ Z o. Aja dmMZr`Agmdo. coImÀ`m gwê$dmVrg COdrH$S>rc H$monè`mV coIH$mZoAmnco g§nyU© Zmd, nyU© nÎmm ({nZH$moS>g{hV) g^mgX H«$_m§H$,VmarI, \$moZ Z§~a {chmdm. coImÀ`m eodQ>r Amncr ghr, Ë`m Imcr,g§nyU© Zmd, nyU© nÎmm, \$moZ Z§~ag{hV {c{hUo Amdí`H$ Amho.

3) coImMr _yi àVM nmR>dmdr. Poam°Šg, H$m~©ZàV nmR>dy Z o.4) ñnY}gmR>r coI nmR>{dVmZm nm{H$Q>mda _moR>çm AjamV

"g§dmX coI ñnYm© 2009'"g§dmX coI ñnYm© 2009'"g§dmX coI ñnYm© 2009'"g§dmX coI ñnYm© 2009'"g§dmX coI ñnYm© 2009' Agm ñnï> C„oI H$ê$Z nwaogonmoñQ>oO cmdyZM Agmo{gEeZÀ`m nwUo oWrc nÎ`mda nmR>dmdm.coIm~amo~a BVa gm{hË`, Agmo{gEeZ g§~§YrMm _OHy$a nmR>dyZ o. Ë`mgmR>r ñdV§Ì nm{H$Q> nmR>dmdo.

5) Á`m g^mgXm§Zm/ghg^mgXm§Zm "g§dmX' coI ñnY}V5) Á`m g^mgXm§Zm/ghg^mgXm§Zm "g§dmX' coI ñnY}V5) Á`m g^mgXm§Zm/ghg^mgXm§Zm "g§dmX' coI ñnY}V5) Á`m g^mgXm§Zm/ghg^mgXm§Zm "g§dmX' coI ñnY}V5) Á`m g^mgXm§Zm/ghg^mgXm§Zm "g§dmX' coI ñnY}V`mnydu nm[aVmo{fH$ {_imco Amho Aem g^mgXm§Zr coI`mnydu nm[aVmo{fH$ {_imco Amho Aem g^mgXm§Zr coI`mnydu nm[aVmo{fH$ {_imco Amho Aem g^mgXm§Zr coI`mnydu nm[aVmo{fH$ {_imco Amho Aem g^mgXm§Zr coI`mnydu nm[aVmo{fH$ {_imco Amho Aem g^mgXm§Zr coInmR>{dë`mg Ë`mMm ñnY}gmR>r {dMma Ho$cm OmUma Zmhr.nmR>{dë`mg Ë`mMm ñnY}gmR>r {dMma Ho$cm OmUma Zmhr.nmR>{dë`mg Ë`mMm ñnY}gmR>r {dMma Ho$cm OmUma Zmhr.nmR>{dë`mg Ë`mMm ñnY}gmR>r {dMma Ho$cm OmUma Zmhr.nmR>{dë`mg Ë`mMm ñnY}gmR>r {dMma Ho$cm OmUma Zmhr.

coIZmg§~§YrÀ`m darc gd© gyMZm§Mo nmcZ H$aUo Amdí`H$

Amho. gyMZm§Mo C„§KZ H$ê$Z nmR>dcoë`m coIm§Mm ñnY}gmR>r {dMmaHo$cm OmUma Zmhr mMr coIH$ g^mgXm§Zr Zm|X ¿`mdr.

g§nmXH$ _§S>imMm {ZU© A§{V_ amhrc.ñnY}Mm {ZU© _o 2009 À`m "g§dmX' _Ü o à{gÕ hmoB©c.

{dOoË`m§Zm nm[aVmo{fHo$ m dfuÀ`m gd©gmYmaU g oV AÜ`jm§À`mhñVo àXmZ H$aÊ`mV oVrc.

- g§nmXH$ _§S>i (g§dmX)- g§nmXH$ _§S>i (g§dmX)- g§nmXH$ _§S>i (g§dmX)- g§nmXH$ _§S>i (g§dmX)- g§nmXH$ _§S>i (g§dmX)

{dkmZ Am{U AÜ`mË_{dkmZ à`moJmVyZ {dH${gV hmoVo, AÜ`mË_ `moJmVyZ àmá hmoVo{dkmZmgmR>r gmYZo dmnacr OmVmV, AÜ`mË_mV gmYZm dmnacr OmVo{dkmZm_Ü`o emoY Amho, AÜ`mË_mV ~moY Amho{dkmZmV VÎdnarjm Amho, AÜ`mË_mV ñdËdnarjm Amho.{dkmZmV ì`mg§J Amho, AÜ`mË_mV gËg§J Amho.{dkmZmV H$V¥©Ëd Amho, AÜ`mË_mV XmV¥Ëd Amho.{dkmZmV e{ŠV Amho, AÜ`mË_mV {ŠV Amho.{dkmZmV m¡{VH$Vm gwYmaVo, AÜ`mË_mV Z¡{VH$Vm gwYmaVo.{dkmZmV àH$ën AmhoV, AÜ`mË_mV g§H$ën AmhoV.{dkmZ Cn^moJmg nmofH$ Amho, AÜ`mË_ Ë`mJmg nmofH$ Amho.{dkmZmV V§ÌkmZ Amho, AÜ`mË_mV VÎdkmZ Amho.{dkmZm_wio nwéfmW© KS>Vmo, AÜ`mË_m_wio na_mW© KS>Vmo.{dkmZm_wio à{Vð>m dmT>Voo, AÜ`mË_m_wio {ZîR>m dmT>Vo.{dkmZm_wio g§nÞVm àmá hmoVo, AÜ`mË_m_wio àgÞVm àmá hmoVo.{dkmZm_wio à{gÕr {_iVo, AÜ`mË_m_wio {gÕr {_iVo.{dkmZm_wio n[apñWVr ~XcVo, AÜ`mË_m_wio _Z:pñWVr ~XcVo.{dkmZmZo j{UH$ AmZ§X {_iVmo, AÜ`mË_mZo {Za§Va AmZ§X {_iVmo.{dkmZmZo OrdZmg JVr {_iVo, AÜ`mË_mZo OrdZmg {Xem {_iVo.{dkmZ hì`mgmMr noaUr H$aVo, AÜ`mË_ Ü`mgmMr noaUr H$aVo.{dkmZmV CnH$aUm§Mr, AÜ`mË_mV A§V:H$aUmMr Amdí`H$Vm AgVo.{dkmZmV Vn{ecmda Va, AÜ`mË_mV Vn d ercmda ^a AgVmo.{dkmZmV namH«$_ Amho, AÜ`mË_mV AmË_g§`_ Amho.{dkmZmZo Zdg¥ï>r {dH${gV hmoVo, AÜ`mË_mZo ZdÑï>r {dH${gV hmoVo.{dkmZmZo ñdmW© \$mo\$mdVmo, AÜ`mË_mZo na_mW© {dH${gV hmoVmo.{dkmZmZo ~møgwI {_iVo, AÜ`mË_mZo A§VamËå`mg gwI {_iVo.{dkmZmZo AZoH$ àý {Z_m©U hmoVmV, AÜ`mË_mZo àíZ gwQ>VmV.{dkmZmZo qhgocm Va, AÜ`mË_mZo Aqhgocm àmoËgmhZ {_iVo.{dkmZmZo H$m`m©g MmcZm {_iVo, AÜ`mË_mZo ñdY_m©g MmcZm {_iVo.{dkmZ Am_Mm {dídmg Amho, AÜ`mË_ Am_Mm ídmg Amho.

g§J«mhH$ - A{Zc Im{S>cH$a,A{Zc Im{S>cH$a,A{Zc Im{S>cH$a,A{Zc Im{S>cH$a,A{Zc Im{S>cH$a, Ea§S>dUm, nwUo 4

○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○

16

January 2009 SAMVAD

j 65 dr H$cm - g_mYmZ""agZoer diU cmdm, gmR>rV Zm_ _odm Ÿ&ñdénr {_imd`mcm, lram_ am_ ~mocm &&''

gd©M g§Vm§Zr Zm_mMm _{h_m Jm`cm Amho. nU Zm_ñ_aUH$am`cm gwê$dmV H$aÊ`mMm H$mi "gmR>r' Zìho h§ ! Ahmo, X§VmS>rMmnÎmm Zmhr. Aem doir "am_-am_' À`m EodOr "cm§~-cm§~' Ago eãXEoHy$ m`Mo.

gwImMm emoY ¿`mdm cmJVmo, AmZ§X _mZmdm cmJVmo. EH$ H$dråhUVmoM H$s,

""Kago Mco Wo h_ Vmo IwerH$s Vcme _| Ÿ&J_ amh _| IS>o Wo, dmo hr gmW hmo cr o Ÿ&&''

gdmªZmM \w$c§, gwI hdo Va H$mQ>çm§Zr, Xw:ImZo Hw$R>o Om`Mo ?oUmaM Vo gmo~Vrcm. Ë`m§Mohr ñdmJV H$aUo O_m`cm hdo.

H$moUË`mhr d`mMm _mUyg nyU© gwIr ZgVmoM. AmOhr chmZ_wcm§Mo VmUVUmd nm{hco H$s dmQ>Vo, Amncm H$mi ~am Jocm. 100YmJo Xw:ImMo Agco Var EH$ YmJm gwImMm AgVmoM. Ë`mcmnH$S>Vm Amco Va OrdZ ~XcVo. Amnë`mcm Zoh_rM BVam§À`m~mocÊ`mVyZ g§Ho$V {_iV AgVmV. Vo AmË_gmV H$aVm Amco Va_J Ë`mVyZM OrdZmMo C{Ôï> JdgVo.

AmnU Iyn doim Imcr _mZ KmcyZ añË`mZo MmcV AgVmo,Amnë`mM {dMmamV (hmo añË`mdaMo IÈ>ohr MwH$dm`Mo AgVmVZmhrVa "OmZm Wm ~mOma, nhþ±M J o AñnVmc' Ago ìhm`Mo.)AMmZH$ AmH$memH$S>o cj OmVo. _mdiË`m gy m©Zo Ho$cocr a§Jm§MrCYiU {XgVo. H$mù`m-nm§T>è`m T>Jm§Mo {dcmo Zr` {MÌ {XgVo dAmoR>m§da eãX oVmV 'Oh ! What a beauty !' hm jUmMm AmZ§XMD$O}Mo H$m_ H$aVmo.

Am_À`mda Hw$Ur ào_M H$aV Zmhr åhUUmao IynOUAgVmV, nU Amnë`mcm Hw$Um~Ôc ào_ dmQ>Vo H$m ? åhUOog_moaÀ`m ì`ŠVrcm Ë`mÀ`m JwUXmofm§gH$Q> ñdrH$maUo Amnë`mcmVar O_Vo H$m ? AmnU g_moaÀ`m ì`ŠVrcm Amnë`m _Zmà_mUodmJÊ`mMm AmJ«h H$aVmo d Action-Reaction Mm Ioi gwê$ hmoVmo.

""ào_ ghdmgmZo OS>Vo d nS>Vo Vo ào_ ZgVo.{dahmZo Vo dmT>Vo d gmXmcm à{VgmX {_imcm Va Vo XwßnQ> hmoVo.''CËgmh Va ~io ~io AmUmdm cmJVmo. åhUyZ Va _amR>r _mUygM

Zìho Va EHy$UM _Zwî` àmUr CËgd{à` Amho. What life is this,if full of tears, we have no time to stand and stare. Aem{dMmam§Zr Amåhr hmgyM {dgam`cm cmJcmo AmhmoV. ImoQ>o ImoQ>o hmgV,"hmñ`Šc~m'V OmV Aer Amem H$aVmo H$s EH$ {Xdg Var AmåhrIiIiyZ _ZmnmgyZ hgy eHy$.

Iyn àg§Jm§À`m ~m~VrV AmnU "OmD$ Xo, McVm h¡' AgoMYmoaU R>odVmo. nU hr gmR>dUM EImÚm jUr MrS> hmoD$Z ~mhoanS>Vo. gmR>rZ§Va _J Vmo ñd^mdM ~Zy cmJVmo.

EHy$UM gH$mamË_H$/ZH$mamË_H$ {dMma Aer {d^mJUrZgVo. VéUnUmVM Xmg~moY, JrVm, _ZmMo ûcmoH$ Aem J«§Wm§ModmMZ gwê$ Ho$co Va \$m`Xm hmoVmo. `m d`mVM ^rVr, Ûof, H«$moY,Xw:I `m ^mdZm Vrd« ñdê$nmV àJQ> hmoVmV. Ë`m§Mm earamdan[aUm_ hmoVmo. Aemdoir g§JV Oer {_ioc Ë`mà_mUo dmB©Q>gd`r, Aaoamdr, {dÜd§gH$ d¥Îmr dmTy> eH$Vo.

KQ>mKQ>mMo ê$n AmJio Amho. àË oH$mMo X¡d doJio Amho åhUyZVa OJ gw§Xa Amho. ho nQ>co Va hodm/_Ëga _Zmcm ñne© H$aVZmhrV. _cm dmQ>Vo OJmV 64 Zìho Va 65 H$cm AmhoV. g_mYmZrahm`cm {eH$Uo-{eH$dUo hrM Vr nmgï>mdr H$cm !

H$Vm© H$a{dVm Ogm Hw$Ur Amho VgmM ~mocVm ~moc{dVmhrHw$UrVar AmhoM. lÕm-g~war `m§Mr Oê$a AgVo. _cm dmQ>Vo,Am wî` åhUOo EH$ ZmQ>H$ Amho, BWo Entry cm OodT>o _hÎd VodT>oMExit cm gwÕm Amho. Hw$Ur ehrX hmoVmo, Va Hw$UmMo Encounter.Hw$UmÀ`m ~m~VrV "gwQ>cm {~Mmam' Va Hw$UmÀ`m ~m~VrV "Aaoao\$maM cdH$a Jocm' Aem comments EoHy$ `oVmV. Amnë`mdmQ>çmcm Amcocr y{_H$m H$aV ahm`Mr. AmOMm gy © ~Km`cm{_imcm ømVM g_mYmZ _mZm`Mo. Ë`m loð> {X½Xe©H$mcm åhUm`Mo:

""VyM XoD$i Amhog d _yVuhr VyM Amhog.AmaVr, nyOm, ŠVr gmao VyM Amhog.''

- gm¡.dfm© eaX Omoer,- gm¡.dfm© eaX Omoer,- gm¡.dfm© eaX Omoer,- gm¡.dfm© eaX Omoer,- gm¡.dfm© eaX Omoer,32, "_H$a§X', aKwdra gmogm., S>m|{~dcr (ny.)

O A{^Z§XZr`Amnco gXñ` lr.em_H$m§V Zmam`U nQ>dY©Zlr.em_H$m§V Zmam`U nQ>dY©Zlr.em_H$m§V Zmam`U nQ>dY©Zlr.em_H$m§V Zmam`U nQ>dY©Zlr.em_H$m§V Zmam`U nQ>dY©Z (d`

df} 75) `m§Zm "S>r Eg Ho$ {dœ Ho$ {gVmao' `m S>r Eg Ho$S>oìhcng© V\}$ ZwH$Ë`mM KoÊ`mV Amcoë`m d¡ {ŠVH$ Jm`ZñnY}Vrc d` df} 65 Vo 75 m d`moJQ>mgmR>rMo é.15000/-Mo àW_ nm[aVmo{fH$ àmá Pmco. gXa nm[aVmo{fH$ {dVaUg_ma§ S>r Eg Ho$ {dœÀ`m ì` àm§JUmV {X. 4 OmZodmar2009 cm AZoH$ _mÝ`da H$cmd§Vm§À`m CnpñWVrV nmanS>cm. `mdoir lr.nQ>dY©Z `m§Zr "Xoh XodmMo _§{Xa' hoZmQ>çJrV gmXa H$ê$Z no«jH$m§Mr dmhdm {_i{dcr.

lr.em_H$m§V nQ>dY©Z m§Mo Agmo{gEeZÀ`m dVrZo hm{X©H$A{^Z§XZ.

- goH« o$Q>ar- goH« o$Q>ar- goH« o$Q>ar- goH« o$Q>ar- goH« o$Q>ar

17

January 2009 SAMVAD

j coH$ cmS>H$s `m KaMr hmoUma Zm...hmoUma Zm.... _r ?.....

hm àý Amho AZoH$ Jmdm§À`m J^m©Vrc ór «yUm§Mm...._mVm Z Vy d¡[aUr.... hm AmH«$moe EoHy$ oVmo Amho... `m ñÌr

«yUm§Mm... Ë`m AJ{VH$ _mVm§À`m J^m©VyZ... A~moc AgyZ XoIrc..H$ir C_cÊ`mAmYrM IwSy>Z OmUmè`m Ë`m {Zînmn {Odm§Mm...A^mJr \w$cm§Mm AmH«$moe..... Zm M§Ð nm{hcm Zm gy ©.... AZw dcr\$ŠV _mVoÀ`m CXamMr C~..... Vrhr AënH$mi Am{U Z§VaAZw dc§ Vo S>m°ŠQ>am§M§ eó§.... Ioi Icmg...

AmOH$mc EImÚm órcm AmnU AmB© hmoUma ho H$ië`mZ§VaIyn AmZ§X hmoVmo. H$m¡VwH$mMo dfm©d hmoVmV. AmnU _mV¥Ëd AZw dUma`m gwIX {dMmamZo Vr haIyZ OmVo. AmH$me R>|JU§ dmQy> cmJV§.nU ho gd© jU §Jya R>aV§... Vr ór Xwgè`mM {dMmam§V JTy>ZOmVo.... {VÀ`m AmZ§XmMr OmJm hm JyT> {dMma KoVmo.

hm JyT> {dMma (?) AgVmo... AmnU J © qcJnarjU H$ê$Z¿`m`M§ Am{U hmoUma§ AnË` _wcJr Agë`mg \w$Q>cocm A§Hy$aIwSy>Z Q>mH$m`Mm.... J ©nmV H$amd`mMm..... Am{U gmgy, gmgao,nVr m§À`m _ZmgmaI§ hmoD$ Úm`M§... _mV¥Ëd gmoSy>Z Úm`M§.

Iao nmhVm Agm {dMma H$aU§ hm Á`mMm Ë`mMm ImgJr àýAmho. na§Vw Aem AZoH$ Hw$Qw> §~mVrc AZoH$ AYmª{JZtÀ`mA{dMmam_wio ór «yUhË`m§Mo hmoUmao Xwînn[aUm_ OgOgo g_mOmcmOmUdy cmJco VgVgo g_mO gwYmaH$, amOH$maUr _wËgÔrAñdñW hmoD$ cmJco. _wcm§À`m VwcZoV _wctMr g§»`m H$_r hmoD$cmJcr. H$m`ÚmZo Ë`mda ~§Xr AmUmdr cmJcr. na§Vw H$m`Úm§Zrgd©M Jmoï>r gmÜ` hmoVmV Ago Zmhr. ór «yUhË`m H$m ZH$mo hogm§JÊ`mgmR>r, g_mOmVrc g§~§{YVm§À`m Jir CVa{dÊ`mgmR>rg_mO à~moYZmÀ`m A{^`mZmMr JaO Amho. Ago A{^`mZ gmVË`mZoam~{dÊ`mMr Amdí`H$Vm Amho.

gÜ`m ór «yU hË`m {damoYr _mohr_ wÕ nmVirda Mmcy AgyZVr Ver Mmcy R>odÊ`m~Ôc H$moUmMohr Xw_V AgÊ`mMo H$maU Zmhr."coH$ dmMdm Xoe dmMdm' - "AmB© _cm IwSy> ZH$mog' Aem KmofUmAmdí`H$ AmhoV. `m g§~§YrMo Oo H$m`Xo ApñVËdmV AmhoV Ë`mH$m`Úm§Mr H$S>H$ d H$mQ>oH$moanUo A§_c~OmdUr H$aUo d JaO^mgë`mg ZdrZ H$m`Xo H$aÊ`mg gaH$maZo H${Q>~Õ Agconm{hOo. _wctMr g§»`m _wcm§À`m VwcZoV H$_r Pmë`mZo ~imÀ`mOmoamda ~mohë`mdarc dYycm nidyZ ZoUmè`m KQ>Zm dma§dma KSy>cmJVrc... hr Pmcr m g_ñ oMr EH$ ~mOy.

`m {df`mMr Xwgar {dXmaH$ ~mOy XoIrc cjmV KoVcr nm{hOo.EImXr J ©dVr ór J ©qcJMmMUr H$ê$Z KoD$Z, hmoUmao AnË`_wcJr Amho ho {ZpíMV H$ië`mZ§Va _mV¥Ëd {PS>H$maÊ`mÀ`m{ZîH$fm©àV H$m oVo d _wcJr H$m ZH$mo åhUVo mMr H$maUo H$m`

Agy eH$VmV `mMo {dícofU H$aUo Amdí`H$ Amho. Vr H$maUoOar g_yi Zï> H$aVm Amcr ZmhrV Var Ë`m§Mr hmoUmar dmT> amoIUoAmnë`m hmVmV Amho. mMr OUrd H$ê$Z XoUo hm CÔoe m coImMmAmho. AmÎmmM Oa mo½` {Z`moOZmZo AË`mdí`H$ hmcMmcr Ho$ë`mZmhr Va nwT>rc AZoH$ XeHo$ AmnUmg `mMo Xwîn[aUm_ gmogmdocmJVrc. g~~ AË §V moOZm~Õ, XrK©H$mcrZ, g_mOmVrc gd©KQ>H$m§À`m g_mO à~moYZmMr JaO Amho.

órÀ`m nmoQ>mV OgOgm J © dmT>V OmVmo Vg Vgo {VÀ`mda{VMm Zdam, gmgy, gmgao m§Mm X~md dmTy> cmJVmo. Amåhmcm n{hcm_wcJmM nm{hOo qH$dm _wcrÀ`m nmR>rda naV _wcJr ZH$mo AgmAÅ>mhmg gmgaÀ`m cmoH$m§H$Sy>Z Yacm OmVmo. àg§Jr dmX {ddmXhmoVmV. n[aUm_r {VÀ`m _ZmV Amnë`m nmoQ>mV _wcJm Amho H$s_wcJr Amho ho OmUyZ KoÊ`mMr {Okmgm Ka H$ê$ cmJVo. J ©qcJ MmMUr H$amd`mMr m {Vcm ZH$mo Agcoë`m {ZU© màV ZoD$ZR>odc§ OmV§.... _wcJr Pmcr Va Amnë`m g_moa H$m` dmTy>Z R>odcoAmho mMm nmT>m dma§dma dmMcm OmVmo Am{U _wcJr Amho Ago {ZXmZPmë`mZ§Va {OZo AÚmn ho OJ nm{hcocohr Zmhr Ë`m _wcrÀ`m^{dVì`m~m~V ZH$mo Vo dmB©Q> {dMma S>moH$mdy cmJVmV Am{U VoWyZMVo AnË` ZH$moM m AZ¡g{J©H$ A{dMmamàV Vr odyZ nmohmoMVo....

_wcJr H$m ZH$mo m g§X^m©V nwT>rc _hÎdmÀ`m H$maUm§Mm {dMmaH$aU§ Amdí`H$ dmQ>Vo -

1) hþ§S>çmMr qMVm - _wcJr H$m ZH$mo mMo gdm©V _hÎdmMo H$maUAmho _wcrÀ`m c¾mVë`m hþ§S>çmMr qMVm... c¾ gmohim hm AmZ§XrgwIXm`r Z amhVm Ë`mZo amjgr ñdê$n YmaU Ho$co Amho. _wcmMoc¾ åhUOo 20/21 dfmªZr cmJcocr Z¡g{J©H$ cm°Q>arM Amho AgodamÀ`m _mVm {nË`m§Zm dmQy> cmJco Amho. hþ§S>çmMr _m{JVcocr aŠH$_hr _wcmMr qH$_V Amho ho Ë`m damMo _mVm {nVm {dgaVmV. hþ§S>m_mZnmZ hr ~wagQ>cocr d AZmdí`H$ H$ënZm gmoSy>Z XoÊ`mg damMoAmB© dS>rc ghgm V`ma hmoV ZmhrV hr Iar Xw:ImMr ~m~ Amho._wcmMr AmB© "Am_À`m _wcrÀ`m c¾mV Vwåhr H$m hmo nwT>o AmcmZmhrV... Ë`mdoiog Hw$R>§ Joc§ hmoV§ Vw_Mo ho ehmUnU... ZmhrVa_r H$emcm Pmco AgVo Aer c§Ho$Mr nmd©Vr'... Agm {~ZVmoS> gdmcH$aVmZm {XgVo. ømcm Amncm g_mOM gd©ñdr O~m~Xma Amho. hmnwéfàYmZ g§ñH¥$VrMm d "_cm doJi§ ìhm`M§ Amho.' m _Zmod¥ÎmrMm~ir Amho. Ë`mcm \$ŠV _mZ-nmZ m gmigyX ZmdmZo AmoiIc§OmV§. Vmo \$ŠV Vmo \$mñQ> Q>°H$ Amho.. hoM _mZ nmZ nwT>§ _mZmn_mZåhUyZ nS>Úmda oV§ §H$a ê$n KoD$Z....

2) _wcJr d`mV Amë`mda - Amncr _wcJr emioV - H$m°coOcmOmD$ cmJcr H$s {VÀ`mda H$moUr _mWo{\$ê$ EH$V\$s© ào_ H$ê$Z{Vcm Ìmg XoB©c H$m, {VZo c¾mg ZH$ma {Xcm åhUyZ {VÀ`m Vm|S>mdaA°{gS> \o$Ho$c H$m, A_¥Vm, [a¨Hy$ gmaIm {ZK¥U IyZ H$aoc H$m ?`m {dMmamZo Vr AmUIr AñdñW hmoVo... {Vcm H$moUVrM Jmoï> ZrQ>

18

January 2009 SAMVAD

g_OV Zmhr, C_OV Zmhr.3) c¾ R>a{dVmZm- _wcrÀ`m c¾mV gmgaÀ`m cmoH$m§Zr

^a_gmR> hþ§S>m, gmoZo _m{JVco Va EdT>m n¡gm AmUm`Mm H$moRy>Z ?H$gm C^m H$amd`mMm ? gmgaÀ`m A_yH$ cmoH$m§Mr OodUmMr amhUoMrgmo H$er d H$moRy>Z H$am`Mr ? H$m`m©c o Var Hw$R>o {_iUma ? hoAmUIr nwT>Mo àíZ {Vcm gmamgma {dMma H$aÊ`m n{cH$S>o ZodyZR>odVmV.

4) gmgaMo cmoH$ - AJXr _ZmgmaI§ c¾ H$ê$Z {Xc§ Vargmgy, ZU§X, OmD$, Xra, gmgam hþ§S>m H$_r {Xcm, Am_Mm _mZnmZAm_À`m _ZmgmaIm Ho$cm Zmhr, Omd`mcm {Xdmircm {ndi§ Ho$c§Zmhr, ñHy$Q>a-_moQ>magm`H$c KodyZ {Xcr Zmhr, `m dm AÝ`H$maUmdê$Z OmM>, _mahmU gwê$ Ho$cr Va _wcrM§ H$g§ hmoB©c?Am{U ho gJi§ ZH$mo. _mÂ`m AmB© d{S>cm§Zm åhVmanUr Ìmg ZH$moAg§ åhUV _mÂ`m _wcrZo OrdmM§ H$mhr ~a§ dmB©Q> Ho$c§ Va ?

AmnU Oa H$m EH$Xm _wcrcm OÝ_ {Xcm åhUOo darc gd©g§H$Q>m§Zm Vm|S> Úmdo cmJUma m gmgaÀ`m cmoH$m§Zr Cä`m Ho$coë`mH$mën{ZH$ rVrnmoQ>r ór «yU J ©dVr gyZ {Zame hmoV OmVo. {VcmAmeoMo {H$aU, {H$Zmam {XgV Zmhr. Vr AJ{VH$ hmoVo d eodQ>rZmB©cmOmZo {Vcm Vmo ór ~rO A§Hy a IwSy>Z Q>mH$mdm d AmncrH$m`_Mr gwQ>H$m H$ê$Z ¿`mdr m R>m_ {dMmamàV Vr oD$Z R>onVod gwñH$mam Q>mH$Vo.

Am_Mm m àýmer H$mhr g§~§Y Zmhr hmo@, Amåhmcm XmoÝhr _wcoMAmhoV, _wcr ZmhrVM Agm {dMma Oa _wcmMo nmcH$ AmO H$arVAgVrc Va Vo gwnmVë`m XmÊ`mgmaIo Amho. CÚm Ë`m§À`m _wcm§Mrc¾o Pmë`mda Ë`m§À`m gwZm§Zm {Xdg Joë`mda ømM OmË`m§VyZ Ë`m§ZmOmdo cmJUma Amho. daMo gd© `j àíZ Ë`m§Zmhr oS>gmdUmaAmhoV. H$maU Ë`m gwZmXoIrc mM g_mOmMm KQ>H$ AmhoV.

`mV MyH$ H$moUmMr ? Xmofr H$moU ? Vr A^mJr _mVm ? H$s{VÀ`m _ZmV Ago {dMma a{dUmao gmga ? H$s Iè`m AWm©Zo mnwT>o ZmB©cmOmZo ór «yU {ZnQy>Z Q>mH$mdo Aem {dMmamàV {Vcm AmoTy>ZZoUmar nwéfàYmZ g§ñH¥$Vr ? AmnU gdmªZrM Agm Xy{fV g_mO{Z_m©U Ho$cm Amho. Ë`m g_mOmMr _mZ{gH$Vm AmnUM {~KS>dcocrAmho. _J AmnU Ë`m g_mOmMr _mZ{gH$Vm ~Xcy eH$Vmo.

g_mOmMr _mZ{gH$Vm ~XcUo åhUOo Var H$m` ? gÎmm, n¡gm,{ejU, XoIUonU m_wio Amcoë`m Ah§J§S>mMm, _rnUmMm Xm§{^H$Mî_m ZmH$mdê$Z CVê$Z S>moignUo OJmH$S>o nmhm`M§ d AmnUàË oH$OU m g_mOmMm EH$ gm_mÝ` nU O~m~Xma KQ>H$ AmhmoV.g_mOmMo F$Ur AmhmoV. Ë`m F$UmMo nm§J \o$S>md`mMo AmhoV mMrOmUrd R>odyZ ór OmVrMm N>idmX gmoSy>Z {Vcm `mo½` Vo ñWmZÚmd`mMo Ago Pmë`mg g_OmmMr Xy{fV _mZ{gH$Vm ~XcÊ`mMrZm§Xr m {df`mnwaVr Pmcr Ago _r _mZoZ.

AmOnmgyZ JwS>¿`mcm ~metJ ~m§YÊ`mMr KmB© Pmcoë`m da-

_wcmZo d Ë`m§À`m AmB© dS>rcm§Zr _mPm _wcJm B§{O{ZAa dm S>m°ŠQ>a({H$Vrhr S>moZoeZ ^acoco Agco Var) Agmo Ë`mÀ`m c¾mV hþ§S>m_mJUma Zmhr. VgoM dYy{nË`mZo Amnë`m _wcrÀ`m c¾mV hþ§S>mXoUma Zmhr Agm X¥T> {ZíM` H$amdm.

nËZrMm N>i H$aUma Zmhr. {Vcm A§Va XoUma Zmhr. gdVAmUUma Zmhr Aer ½dmhr nVrZo Úmdr. gmgy hr _mPr AmB© AmhoZU§X hr _mPr ~hrU Amho Agm {dídmg {Z_m©U H$aÊ`mgmR>ràË oH$ gwZoZo H§$~a H$gmdr.

gyZ hr _mPr _wcJrM Amho Agm {dœmg {Z_m©U H$aÊ`mgmR>ràË oH$ gmgyZo H${Q>~Õ ìhmdo. emim, H$m°coO_Yrc {dÚmÏ`mªZremioVrc, dJm©Vrc _wcJr hr Amncr ^JrZr Amho Ago g_OyZdmJm`Mm {Zü` H$amdm. \«|$S>ern S>o cm amIr nm¡{U©_oMo _hÎdÚmdo. åhUOo ór «yUhË o_mJMr kmV H$maUoM Zï> hmoVrc dAmnmoAmnM ór «yUhË ocm Amim ~goc. g_mOmÀ`m F$UmVyZ H$mhrA§er CVamB© Pmë`mMm {Z }i AmZ§X àË oH$mcm {_ioc. mgmR>rMJaO Amho Vr g_mOmVrc gd© KQ>H$m§À`m AË §V `moOZm~Õ dXrK©H$mcrZ "_wcJr hdr hmo' Aem A{^`mZmMr.. g_mO à~moYZmMr!

AÝ`Wm "Mc J§ gIo dméimcm, ZmJmo~mcm nyOm`mcm' ømAñgc J«m_rU JrVmnmgyZ AmnU nmoaHo$ hmody. dQ>gm{dÌrcm àgÞH$ê$Z hmM Zdam OÝ_moOÝ_r cm y Xo Agm da _mJÊ`mgmR>r dSm>-qnnimÀ`m d¥jm^modVr \o$è`m KmcUmè`m ZmH$mV ZW d ZD$dmarH$mR>mnXamMr gmS>r Zogcoë`m gm¡ m½`dVr, coH$s, gwZm {XgUmaZmhrV. {På_m, \w$JS>r IoiV hmX½`m^modVr qnJm KmcUmè`m~m{cH$m {XgUma ZmhrV. ZdamÌmoËgdmV g§JrVmÀ`m VmcmV ñdV:cmhadyZ Xm§{S>`m IoiUmè`m {ó`m {XgUma ZmhrV d Á`m _wcmÀ`mAÅ>mhmgmgmR>r Á`m _mVoZo ór «yUmMm Ë`mJ Ho$cm Ë`m _mVoÀ`mgwnwÌmcm dYy {_iUo AdKS> hmodyZ OmB©c hr Iar emoH$m§{VH$mAmho ór «yU hÎ oÀ`m H$WoMr.

- A°S>.lr à^mH$a _miJo,- A°S>.lr à^mH$a _miJo,- A°S>.lr à^mH$a _miJo,- A°S>.lr à^mH$a _miJo,- A°S>.lr à^mH$a _miJo, gm§Jcr 416416.«_UÜdZr - 9422411955.

""Amnco gU Am{U Am`wd}X''""Amnco gU Am{U Am`wd}X''""Amnco gU Am{U Am`wd}X''""Amnco gU Am{U Am`wd}X''""Amnco gU Am{U Am`wd}X''"g§dmX' À`m {S>g|~a 2008 À`m A§H$mV darc nwñVH$mMm

n[aM` N>mncm Amho. Amnco g^mgX lr._Zmoha e§H$a Omoer(Zm{eH$) m§Mo {Ma§Ord d¡Ú _Zrf Omoer m§Zr ho nwñVH$ {c{hcoAgyZ {Okmgy§Zr A{YH$ _m{hVrgmR>r -XyaÜdZr H«$. - (0253) 2326619

«_UÜdZr H«$. - 09420462065`m H«$_m§H$m§da g§nH©$ gmYmdm.

- g§nmXH$- g§nmXH$- g§nmXH$- g§nmXH$- g§nmXH$

19

January 2009 SAMVAD

j _moaOmB©H$moëhmnya nmgyZ JJZ~mdS>m ho Jmd 55 {H$cmo_rQ>ada Amho.

ho Jmd C§M S>m|Ja_mÏ`mda Amho. S>mì`m hmVmcm H$ê$i KmQ> Amho.Va COì`m hmVmcm ~mdS>m KmQ> Amho. XmoÝhr KmQ> H$moH$UmV OmVmV.

oWyZ nyd}H$S>o ZOa Q>mH$ë`mg Xya A§Vamda C§MÀ`m C§M EH$ àM§S>_moR>m _moaOmB©Mm S>m|Ja {XgVmo. oWyZ AmOy~mOyMm Iyn cm§~daMmàXoe ZOaoÀ`m Q>ß`mV oVmo. m S>m|JamÀ`m nm`Ï`mer "~moa~oQ>' hoJmd Amho. ho Jmd g_wÐ gnmQ>rnmgyZ 1500 \y$Q> C§Mrda Amho.

JJZ~mdS>m Vo ~moa~oQ> hm añVm nydu H$ƒm hmoVm. AmVm S>m§~arañVm Ho$cm Amho. m n[agamV Iyn nmD$g nS>V Agë`m_wio S>m§~arañVo {Q>H$V ZmhrV. H$moëhmnya {Oëøm_Ü o oWo gdm©{YH$ nmD$gnS>Vmo. hm gmam mJ KZXmQ> AaÊ`mZo ì`mncocm Amho. JJZ~mdS>mnmgyZ 4 {H$cmo_rQ>a A§Vamda Amë`mda YZJadmS>m cmJVmo. oWyZdoS>çmdmH$S>çm diUmè`m MT>mÀ`m KmQ>mcm gwê$dmV hmoVo. oWyZ MmcVOmV AgVmZm H$Yr Imoc Xar cmJVo Va H$Yr C§MM C§M S>m|JacmJVmo. S>m|Ja n[agamVyZ XarH$S>o nhmVmZm _Z nyU©nUo V„rZhmoVo. m dZlrH$S>o nmhVmZm Ago dmQ>Vo H$s Hw$UrVar A\$mQ> _moR>mcm§~r-é§XrMm {hadmJma JmcrMm AmH$memVrc "nar'Mo ñdmJVH$aÊ`mgmR>r ngê$Z R>odcm`. _YyZM XarVyZ nú`m§Mm {H$c{~cmQ>,C§M PmS>rVyZ H$mo{H$ioMm _Ywa AmdmO, Va Xwê$Z _moadmS>çmVyZ

oUmam _moam§Mm AmdmO. gmaoM H$m§hr ñdJu` gwI XoUmao. _§Ì_w½YdmVmdaU. m mamdyZ Q>mH$Umè`m {dídmVyZ AmnU ~moa~oQ>cm Ho$ìhmoD$Z nmohmoMVmoo g_OVM Zmhr. ho Jmd JX© PmS>rVM cncoco Amho.

`m JmdmV Aml_emim Amho. m emio_wio Ë`m Jmdmcm Iyn _hÎdAmho. AmOy~mOyÀ`m dmS>rVrc d N>moQ>çm JmdmVrc ~arM _wco m emioV{eH$V AgVmV. eoOmarc {OëømVrc _wco hr oWo AmhoV. `mJmdmda H¥$nmd§V _moaOmB©Mm S>m|Ja d Xodr _mVm _moaOmB© `m§Mmew merdm©X Amho.

~moa~oQ>nmgyZ H$mhr A§Vamda AJXr S>m|JamÀ`m nm`Ï`merCOì`m ~mOyH$S>rc PmS>rV amOKmQ> ñ_emZ Amho. {VWonm§S>dH$mcrZ amOd§er` Wmoam-_moR>çm§À`m g_mÜ`m AmhoV. oWyZZmJ_moS>r MT>UrMm _mJ© MT>V AgVmZm nwaVr X_N>mH$ hmoVo. earaWHy$Z OmVo. Eo{Vhm{gH$ XJS>r nm`è`m MT>VmZm Va WmoS>mdoi {dgmdm¿`mdm cmJVmo. oWyZ nwT>o Joë`mda ì` _moR>o EImXo {d_mZ CVê$eHo$c Ago nR>ma cmJVo. ho nR>ma AH$ameo EH$ada ngaco Amho.`mcmM _moaOmB©Mm gS>m Ago åhUVmV. oWyZ Xya A§Vamda _moaOmB©_§{XamMm H$ig {XgVmo. Mmohmo~mOyH$S>o ZOa {\$adcr Va {dh§J_XoImdm {XgVmo, A_mdñ`m d nm¡{U©_ocm gm §H$miÀ`m doir oWrcgS>çmda dmK oV AgVmo Ago oWrc _hmamO åhUVmV. _§{XamVrcn[agamV Z¡g{J©H$arË`m V`ma Pmcoë`m JwhoVyZ BVHo$ W§S>Jma

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Publisher – Shri. Ramchandra Narayan Lalingkar, Secretary, State Bank of India Pensioners’ Association(Mumbai Circle),Pune has printed this magazine in the Printing Press owned by Printer – Shri.ChandrashekharDigambar Joshi, Director, Shree J Printers Pvt.Ltd., at 1416 Sadashiv Peth, Datta Kuti, Pune – 411030 onbehalf of Owner – State Bank of India Pensioners’ Association (Mumbai Circle),Pune, at “Anubandh”,Bldg.No.B2, Block No.16,Near Ramkrishna Math, Sinhagad Road, Pune – 411030. Editor – Shri. KrantisenRamchandra Athawale – address as above.

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- gw_§Jbm gwaoe nVH$s, gw_§Jbm gwaoe nVH$s, gw_§Jbm gwaoe nVH$s, gw_§Jbm gwaoe nVH$s, gw_§Jbm gwaoe nVH$s, H$moëhmnya

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"Free Body Analysis & Check up"Tests: Height, Weight, Body FAT, BMI, TSF,

Metabolic Age & Visceral Fat

Monday to Saturdayfrom 7 a.m. to 10 a.m.

INVITATIONYou are most cordially invited for a