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[k.M & 16 vad 4
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yzv 16, nze L 4
cotoh 2015
Vol. - 16, Issue : 4
February, 2015
Editorial...
We reproduce hereunder an Editorial published in
Elders' Voice-a monthly bulletin of our Chennai
affiliate and written by Sh. P.P.S. Murthy, the
Federation General Secretary, which reflects
thoughts on the current situation in the Banking
Industry.
This month of December 2014 is a rare one occurring
once in 823 years only with 5 Mondays, 5 Tuesdays
and 5 Wednesdays. In this rare month, we feel
encouraged by the views expressed by the Chairman
of State Bank of India highlighting the very poor
compensation package of the Public Sector Banks at a
conference recently held in Delhi. Seventy percent of
our Banks are in Public Sector and they pay poorly
compared to the market. We feel that our voices raised
in these columns in our last month’s issue are being
heard. The Chairman of State Bank of India has
acknowledged the inferior pay structure of PSU Banks.
This statement needs to be followed up by taking
appropriate initiatives for addressing this issue forcefully.
An online article published on 12-12-2014 is brought
out in this issue for the information of the readers. This
article reveals that the bargaining power of the
Organizations of the employees of the Banks has not
been adequate for placing the employees of the Banks
with adequate compensation package as prevailing in
the private sector Banks. The above views of the
Chairman of SBI are indicative of the ability and the
willingness of State Bank of India to offer adequate
compensation to its employees on par with the market.
It appears that the stalemate in the ongoing 10th bipartite
wage negotiations is due to the reluctance on the part
of the managements of some member banks of IBA to
improve the offer of 11 %.lf some Banks are not in a
position to compensate their employees with the
packages prevailing in the private sector banks, such
weak banks should be merged with the strong banks.
Such mergers would also lead to the much needed
consolidation of Banks. With more banks permitted to
be opened in the private sector, the disparity in the pay
structure is bound to continue, if the managements of
PUS Banks do not take proactive steps to address this
issue. The Government as a major share holder of the
PSU Banks should therefore take steps with appropriate
initiatives for removing the acknowledged disparity
between PSU and Private Sector Banks, before it
becomes too late.
2.
The agitation being resorted to by the
Organizations of the Bank employees is unfortunately
continuing without due intervention by the Indian Banks’
Association or by the Government. A healthy industrial
climate in the Banking Sector is necessary for realizing
the envisioned growth of our economy as a major
manufacturing hub with the required infrastructure
facilities. A responsibility is therefore cast on the
Government and management of the Banks to bring
out a lasting solution. The suggestions being made for
individual bank settlement instead of a collective
settlement between I.B.A and U.F.B.U would not offer a
permanent solution to the problems being faced in
arriving at a fair wage settlement. The solution lies in
creating an enabling environment for the healthy growth
of all Banks whether in public or private. A healthy
competitive environment is necessary among all the
banks. There is substantial growth of Banks both
vertically and horizontally. Despite this growth, banks
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S.B.I. PENSIONERS’ MAIL (February-2015)
are facing challenges in maintaining their profitability
because of NPAs, mostly created by man made policies.
This challenge should not lead to the old generation
Banks becoming weaker by not being able to offer
compensation packages prevailing in the new
generation private Banks. There is no reason why the
member banks of IBA cannot improve their management
practices for improving the productivity of the Bank
employees. Banks can meet the demands made by our
vibrant economy only with the involvement of their
employees. There should therefore be no hesitation or
reluctance by the managements of members Banks of
IBA for concluding a fair wage settlement with UFBU for
providing appropriate compensation packages to their
employees.
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blindly take the plea of inability of banks to bear cost,
in matters pertaining to retirees as they should also be
treated as part of the banking industry. Their services
in building up the Banking industry to this level have to
be recognized and remembered. They certainly deserve
to receive the same care and protection received by
elderly parents and grandparents from the younger
members in a family. They should not be condemned
to wither away uncared for. He appealed to both the
Banking dept as well as IBA to come out with solution
and identify and mobilise resources to implement it
both within the banking system and outside”
3.
With the problems being faced in arriving at a
fair wage settlement, doubts do arise as to what extent
the interest of the pensioners particularly of the past
pensioners would be taken care of. At present, no
opportunity is provided to the pensioners or their
organizations for presenting their suggestions on the
improvements required by them. With the mounting cost
of all items for survival, the aged Bank Pensioners are
forced to suffer with their feeble voices ignored by all
concerned. Even the limited improvement in the form of
100% D.R. Neutralization to pre 1-11-2002 pensioners
is yet to be made available, with IBA apparently not
willing to grant it before the current wage settlement.
The improvement in the family pension is not assured,
as IBA is still keen on working out the cost involved.
The most important improvement in the form of updation
of pension should not hit any road block, as a result of
the setback being faced by UFBU in arriving at a fair
wage settlement. The pensioners of all Banks are
extending their whole hearted support to the present
struggle of their younger members of their family with
the hope that the demands made by UFBU for pension
improvements would be met The pensioners hope that
their interest will duly be taken care of by the 10th
bipartite settlement.
4.
The interest of the Bank pensioners is yet to be
adequately taken care of. The following direction given
by Chairman of Parliamentary Committee during the
proceedings in January 2009, to both IBA and DFS has
not been followed.
“In the concluding remarks, the chair impressed upon
the Banking dept as well as IBA that they should not
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5.
The most important improvement required to be
provided to the aged pensioners for their dignified
existence without depending on others is the updation
of their pension on salary scales revised from time to
time. The Fifth Pay Commission has recommended the
revision of pension on the above basis to the pensioners
of the Government. The Sixth Pay Commission made
further improvement by increasing the updated pension
for pensioners aged 80,85,90,95 and 100 years by 10%
every five years. A pensioner surviving beyond 100 years
would get 100% of the present salary as his pension.
The Government coffers will not have the capacity to
pay pension on this basis to its pensioners without the
healthy functioning of the Banks, which are not only
major contributor to its ex-chequer in the form of income
tax and dividends but are also catalysts for the
contribution of revenue in the form of various taxes by
all sectors of our economy. The denial of the updation
of pension facility to the aged bank pensioners
expressing inability of the Banks to bear this burden
does not have any justification. The provisions for this
purpose based on farfetched assumptions imposed
under AS-15 norms, after the failure of few pension funds
in the west would far exceed the actual annual outgo
on updated pension. Such provisions on pension would
only add to the reserves of banks. If the Government
decides to follow the above directions of the
Parliamentary Committee, no hue and cry would be
raised on the burden for providing updation of pension,
as is being done now. There should therefore be no
hesitation on the part of the Government for the
implementation of a sustainable scheme of updation of
the pension of the aged Bank pensioners. Let us hope
that the present progressive Government keen on
growth and social justice to its citizens would render
this justice to the Bank pensioners.
*****
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WHY PUBLIC SECTOR BANKS SHOULD BE ALLOWED TO DECIDE
SALARY STRUCTURE ON THEIR OWN
On Thursday, Arundhati Bhattacharya, chairman of
India’s largest lender, State Bank of India, highlighted
a critical challenge of government banks the painful
difference in wages of bank executives in these banks
in comparison with their rivals in privately run lenders.
The reason for such a big difference in the
compensation structure of sarkari banks and their
rivals in private sector is simple. Salaries in public
sector banks are decided through mutual discussions
between the Indian Banks Association, the industry
body of banks, and the bank unions once every five
years.
“Here, 70 percent of the banks are in public sector
and they are paid very, very poorly compared to
market,” Bhattacharya said speaking at a conference
in Delhi.
Often, there is no agreement between the trade
unions and IBA on this, resulting in endless strike calls
by bank employee unions, frequently disrupting the
operations of banks.
What is interesting to note here is the fact that the
salary of SBI chairman itself is the lowest when
compared to even the smaller competitors in private
and foreign banks. Here is the picture: In 2012-13,
SBI chairman took home an annual compensation of
Rs 23 lakh. As a point of comparison, the annual
compensation of Chanda Kochhar, managing director
and chief executive officer of ICICI Bank, is over Rs
5 crore. The SBI chairman’s post does come with lots
of perks but the job is actually more challenging given
the balance sheet size of the bank and its width of
operations.
In contrast, salaries of top executives at private sector
banks are decided by individual bank boards and
shareholders with the approval of the Reserve Bank
of India. Compensation packages to bank officials
should not be offered on a uniform basis but should
be offered in relation to the size of the bank and
performance, which isn’t the case presently. And till
this anomaly is rectified, the system will produce more
SK Jains.
It doesn’t logically make any sense to offer identical
packages to employees across banks with different
business size say a big bank like SBI and small bank
like Dena Bank. Also, the performance indicators of
individual employees should be taken into account.
Perhaps, time is right for the government to
acknowledge this problem and work towards resolving
it taking cues from the private sector given the rapid
changes witnessed in the banking industries with the
arrival of new set of banks.
In 2010, former SBI chairman, 0 P Bhatt famously said
he is the lowest paid CEO in the fortune 500 list of
companies and he must work after retirement as the
pension of SBI wouldn’t alone help to support his
family.
It is needless to talk about officers and staff in lower
ranks in state-run banks.
The irony is that state-run banks play a critical role
by virtue of their sheer market size in India’s Rs 89
lakh crore industry but the salary structure of their
employees has least correlation with the kind of
business these entities handle.
Individual banks should be given the autonomy to
offer deserving compensation to those employees
who perform well. Similarly, no free lunch should be
offered to non-performers. Often, the very concept of
a government job comes with the notice of room for
complacency at work, whereas this can't be the same
in the tight competitive environment of private bank.
This situation must be changed if public sector banks
want to stay relevant in tight competition.
That would also possibly explain the high attrition rate
among the newly joined staff in public sector banks
and the rising instances of state-run bank employees
falling prey to the evil of bribery. The attrition rate
among fresh recruits has gone up in state-run banks
in recent years. These junior officers take up jobs
in private and foreign banks since the compensation
policy is much more attractive there.
The government, which has time and again expressed
its intent to change state-run banks better run
institutions, should take note of the flawed
compensation policy in the public sector banking
industry and offer the much needed autonomy to
individual banks to decide their own salary structure.
The disparity in the compensation structure has been
highlighted as a major concern by former RBI governor
D Subbarao and current chief Raghuram Rajan in the
past. But neither the UPA nor the NDA governments
have acted to address this problem.
*****
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S.B.I. PENSIONERS’ MAIL (February-2015)
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STRUCTURED MEETING WITH CORPORATE CENTRE
ON 22ND JANUARY, 2015 AT STAFF COLLEGE, HYDERABAD
c) Inclusion of more diseases included in Income Tax Rule
No. 11DD
d) Eligibility for alternate systems of medicines
e) Admission of pensioners retired before the age of 60
years
f) Application by the spouses of employees died in harness
and pensioners died within three months from the date of
retirement
g) Delegation of powers to the Circle Authorities for admission
to the above Scheme and
h) Automation of payments of bills under the above scheme.
ii. Dispensaries
a) Revision of the norms for establishing new dispensaries
b) Appointments of permanent part time doctors and
pharmacists and
c) Inadequate supply of medicines and not permitting the
provision of 29 diagnostic tests.
OTHER FACILITIES
a) A book-let on the facilities and concessions provided by
our Bank to be brought out
b) Decision on additional interest of 0.50% instead of 0.25%
on deposits of senior citizens and on charging interest at
the same TDR interest rate on overdrafts against TDRs
of Rs.3 lacs and above and
c) E-mailing the Second Innings magazine to the
pensioners.
*****
We furnish hereunder the Agenda items to be discussed
in our above meeting.
PENSION ISSUES
i. Revision of pension at 50% of Pay without any fixed
monetary ceilings and revision of pension on seventh
bipartite pay scales
ii. Minimum Pension
iii. 100 neutralization of D.R to pre 1-11-2002 pensioners
iv. Improvement in family pension
v. Updation of pension and improvement in pension of
pensioners aged 80 and above
vi. Commutation of pension
vii. Industry Level Pension Regulations of e-SBS and eS.B.Indore
viii. Issue of Pension Payment Orders on Sixth and Seventh
Bipartite Pay scales
ix. Delays in payment of family pension.
x. Uploading of the Life Certificates
xi. Forms16/16A and and Reconcilation of TDS with NSDL
site and
xii. Reckoning of FPP and PQP for the computation of
pension of those retired drawing 8th Bipartite pay scales
retired before April 2004 and on 9th Bipartite Pay scales.
MEDICAL FACILITIES
i. REMBS
a) The long overdue review of the above scheme
b) Admitting the surviving members of Scheme-I to Scheme II
Baby Pigeon Has A Doubt
The mother replied: “They are human beings.” The baby
asked, “But why are they fighting with each other? The
mother said, “The human beings going to temples are
called ‘Hindus’ and the people going to church are called
‘Christians* and the people going to mosque are called
‘Muslims’.
The baby pigeon asked, “Why is it so? When we were
in the temple we were called pigeons, when we were in
the church we continued to be called pigeons and when
we were in the mosque, we were still called pigeons.
Similarly; they should be called just “human beings’
wherever they go.”
The mother pigeon said, “You and me and our pigeon
friends have experienced God and that’s why we are
living here in a highly elevated place peacefully. These
people are yet to experience God. Hence, they are living
below us and fighting and killing each other.”
Courtesy : The Speaking Tree,
A TOI Publication
Here is a delightful story that comes like a breath of fresh
air in a world riven by communal clashes and religious
differences
A number of pigeons lived happily on the rooftop of an
ancient temple. When the temple was renovated for the
annual festival, the pigeons relocated to a church nearby.
The pigeons who were already living in the church
accommodated the newcomers very well.
When Christmas was nearing and the church was being
given a facelift, all the pigeons had to move out and look
for another place. They were fortunate enough to find a
place in a mosque in the vicinity. The pigeons in the
mosque welcomed all of them happily.
Then came Ramadan time and the mosque was repainted,
so all the pigeons now came to stay in the ancient temple
which had now been renovated.
One day, the pigeons atop the temple were witness to
communal clashes taking place below in a market square.
The puzzled baby pigeon asked the mother pigeon, “Who
are these people?”
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S.B.I. PENSIONERS’ MAIL (February-2015)
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News from Units...
JALANDHAR UNIT
Monthly Meeting - 10.12.2014. In the monthly meeting of Unit held on 10th December, 2014, Sh. Kamal Aggarwal,
husband of Smt. Rekha Aggarwal (a pensioner), who has been organising Yoga Camps apprised the participants of
Yoga for maintaining good health. Yoga should be performed as per the individual needs, depending upon age and
flexibility of the body. He also gave tips on eating healthy food, practical tips for senior citizens. Sh. R.R. Saggar,
M.S. (Orthopaedics), Consultant Surgeon from Patel Hospital, Jalandhar, a specialist in Knee replacement explained
the intricacies of Knee replacement with the help of models. He replied to the queries of participants. A medical
check-up camp for knee and other ortho problems was held and medicines required were given free of cost.
Such activities help the members in a big way.
ANNUAL MEET, DISTT. JALANDHAR
The meet was held on 28.12.2014. Despite severe cold weather, about 100 members including lady pensioners
participated. Sh. S.K. Verma, A.G.M., Jalandhar Branch presided over the meeting. A few of members regailed the
audience with songs and tit-bits.
At the meeting, severe pensioner members ranging between 94 years of age to 80 years were honoured by
garlanding and presenting a 'Shawl' each. Another six pensioners of the age of 80 years and above, who could not
come to attend the meeting, were honoured likewise at their residences after the meet. The members honoured on
date are Sarvshri Jaswant Singh, Muni Lal Mahajan, K.P. Khanna, Labhu Ram Gupta, Bal Krishan Bawa, Narinder
Singh, Sardari Lal Kapur, Shawinder Singh, R.P. Midha, R.P. Sharma.
Sh. S.K. Verma, A.G.M. assured of all help to the pensioners/family pensioners, as also for getting reputed diagnostics
centres approved by the Bank.
The meeting ended with a vote of thanks to the Chair. A photograph taken on the occasion is published below.
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NEW MEMBERS ENROLL ED DURING DECEMBER, 2014
Jile Singh
SCO No. 38-39, Secor 5,
01.10.54 9729200216
U.E., Kurukshetra, Hry.
----------------------------------------------------------------------------------Gulshan Rai Budhiraja H.No. 676-B, Ward No. 23,
22.09.54 9215861838
D.L.F. Colony, Rohtak, Hry.
----------------------------------------------------------------------------------Brij Lal Khichi
Chhajupuram Colony,
18.11.54 9416819862
Near Vodafone Tower,
9729206622
Ward No.1, Mohindergarh
----------------------------------------------------------------------------------Sham Sunder
# 8-9, Professor Colony, Behind 04.10.54 9812366509
Dhawan
Indian Overseas Bank,
Gobindpuri Road, Yamunanagar
----------------------------------------------------------------------------------PUNJAB
Varinder Paul
140, New Partap Avenue,
04.11.54 9815803368
G.T. Road, Amritsar, Pb.
----------------------------------------------------------------------------------Ram Gopal Singla
H.No. 1151, Model Town,
09.09.54 9466002084
Phase-III, Bathinda, Pb.
----------------------------------------------------------------------------------Balwinder Singh
# 206, Patel Nagar,
11.11.54 9876093071
Rakhra
Bathinda, Pb.
----------------------------------------------------------------------------------Paras Ram Attri
H.No. 75, Sudarshan Park,
28.11.54 9988041602
Nandampur Road (Maqsudan),
Jalandhar, Pb.
----------------------------------------------------------------------------------Bhim Sain
H.No. 3248/6, Street No. 14, 15.07.55 9855922443
Jawahar Nagar Camp, Ludhiana
----------------------------------------------------------------------------------Harbans Singh
B-I/158, Basant Vihar, Backside 30.10.54 2845837
Gurdwara Reru Sahib, Nandpur
9815548505
Sahnewal, Distt. Ludhiana, Pb.
----------------------------------------------------------------------------------Harbans Lal Berry
B-I 137/1, St. No. 2,
06.12.46 9256730698
New Bajwa Nagar, Ludhiana
----------------------------------------------------------------------------------Jit Singh
V.P.O. Jaspal Bangar,
10.04.54 9478430162
Ludhiana, Pb.
----------------------------------------------------------------------------------Harbans Singh
H.No. 2445, St. No. 4,
20.07.54 8146658364
Kailash Nagar, Ludhiana, Pb.
9417366118
----------------------------------------------------------------------------------Vinod Kumar Gupta 6-B, Rishi Nagar, Near Kali
02.11.54 9023620004
Mata Mandir, Humbran Road,
7508347047
Ludhiana
----------------------------------------------------------------------------------Balbir Kainth
Waheguru Nagar, St. No. 5,
15.11.54 227317
Barnala Road, Nawanshahr,
9888179377
Distt. SBS Nagar, Pb.
----------------------------------------------------------------------------------Surinder Kumar
H.No. 410, Phase I-B,
22.12.54 221983
Prashar
Shivalik Avenue, Naya Nangal,
9417407984
Distt. Ropar, Pb.
----------------------------------------------------------------------------------Parkash Singh
417-C, Rattan Nagar
10.11.54 2351814
Tripuri Town, Patiala, Pb.
9463424775
CHANDIGARH
Gurcharan Singh
# 316, Sector 45-A,
01.04.56 2613306
Chandigarh.
9876083316
----------------------------------------------------------------------------------Umesh Kumar
Flat No. 1343, Silvertone
30.11.54 2674003
Sachdeva
House Building Society,
9888030457
Sector 48-B, Chandigarh
----------------------------------------------------------------------------------Ravinder Prakash
Flat No. 531, Pancham Enclave, 28.11.54 9872993857
Monga
Sector 48-A, Chandigarh
----------------------------------------------------------------------------------Mangat Ram Bhagat # 3741, Sector 22-D,
20.03.52 2543741
Chandigarh.
9915006372
----------------------------------------------------------------------------------PANCHKULA
Dharam Vir
H.No. 1259, Sector 15,
03.11.54 9876161745
Bhardwaj
Panchkula.
----------------------------------------------------------------------------------Surinder Kumar
H.No. 1097, Sector 11,
03.07.53 2560543
Anand
Panchkula.
9779455707
----------------------------------------------------------------------------------Om Parkash Verma H.No. 1363, Sector 21,
20.11.54 2573099
Panchkula.
8146161363
----------------------------------------------------------------------------------Rajan Sood
# 290, Sector 8,
23.11.54 2561736
Panchkula.
9915541736
----------------------------------------------------------------------------------Satish Kumar Dhiman Flat No. 402, GHS-104,
20.11.54 2551295
Sector 20, Panchkula.
9988005564
----------------------------------------------------------------------------------MOHALI
Gurdev Singh
#139-A, Ward No.5, Sector 4, 12.12.53 9814675817
Mundi Kharar, Distt. Mohali.
----------------------------------------------------------------------------------B.B. Gupta
# 47, Green Citi, Dhakoli,
14.10.54 9888042864
Zirakpur, Distt. Mohali.
9888048864
----------------------------------------------------------------------------------H.P.
D.K. Sharma
Near 66 KV Grid Sub Station, 22.07.54 2837556
Power House, Totu, Shimla
9459367134
----------------------------------------------------------------------------------Ramesh Chaudhary V.P.O. Dadh, Teh. Palampur,
18.10.54 9418532686
Distt. Kangra, H.P.
HARYANA
---------------------------------------------------------------------------------Shri Ram Sharma
H.No. 65-A, Ram Colony,
01.05.45 224620
Barnala Road, Sirsa, Haryana
----------------------------------------------------------------------------------Satish Kumar Dhingra H.No. 206, D.C. Colony,
05.03.60 9416543316
Barnala Road, Sirsa, Hry.
----------------------------------------------------------------------------------Gurjit Singh Grover H.No. 13/380, Gali No. 4,
06.09.54 229619
Gobind Nagar, Sirsa, Hry.
9812494658
----------------------------------------------------------------------------------Gian Chand Sardana 14/210, Ram Colony,
25.10.56 228575
Gali Behind Welcome Palace,
9466004646
Barnala Road, Sirsa, Hry.
----------------------------------------------------------------------------------Prem Singh Alhan
H.No. 1866, Urban Estate,
12.08.54 8222857790
Jind, Haryana.
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S.B.I. PENSIONERS’ MAIL (February-2015)
IMPORTANT ADVICES FROM A GROUP OF
DOCTORS IN INDIA
* Do not drink APPY FIZZ. It contains Cancer causing agent.
* Don’t eat Mentos before or after drinking Coke or Pepsi
because the Person will die immediately as the mixture
becomes CYANIDE.
* Don’t eat Kurkure because it contains high amount of
Plastic. If you don’t believe burn Kurkure and you can
see Plastic melting. (News report from “Times of India”)
* Avoid these Tablets - they are very dangerous:
D-cold, Vicks Action-500, Actified, Coldarin, Cosome,
Nice, Nimulid, Cetrizet-D. They contain Phenyl PropanolAmide PPA, which cause Strokes and hence banned in
USA.
* Doctors in United States found new cancer in human
beings, caused by Silver Nitro Oxide, present usually on
the cell recharge cards and if the coating is scratched
with nails, this may cause skin cancer.
S.B.I. PENSIONERS WEBSITE
Members are aware that our Website
www.sbipensionerschd.com is operative for the last
about 2 years.
We are pleased to inform that Members' Directory
updated as on 31.12.2014 has since been uploaded
under the Head : Member Search Result. The
particulars as available in the Directory are there. The
details can be assessed as underby going :
i)
Members Name - giving space
ii)
Members Contact No. - landline number or
Mobile number on record.
It has been possible to make this information available
due to the untiring efforts put in by Sh. S.S. Kumaria,
a dedicated colleague and with the Technical Support
provided by M/s Contact Bridges, Mohali, a venture
being run by Sh. G.S. Grover, our dear pensioner
* Answer phone calls with the left ear.
DONATIONS
* Don’t take your medicine with cold water.
Sh. S.P. Bhardwaj
* Don’t eat heavy meals after 5pm.
Kurukshetra
Rs.1100/-
Chandigarh
Rs.1100/-
Blessed with Grandson.
* Drink more water in the morning, less at night.
Sh. S.S. Thukral
* Best sleeping time is from 10 p.m. to 4 a.m.
on happy occasion of the marriage of his
daughter Areena Singh, Officer, S.B.I.
* Don’t lie down immediately taking medicine or after meals.
Please share your rememberances and happy occasions
with the Association.
* When phone’s battery is low to last bar, don’t answer the
phone, because the radiation is 1000 times stronger.
* Don’t drink Tea in Plastic Cups and Don’t Eat any Food
on Polythene Paper. The plastic reacts to heat and it will
Cause 52 Types of Cancers.
Collected by :
Nath Raveendra & S. Ramnath,
L.M. No. 7914, Hyderabad
OBITUARY AND BEREAVEMENTS
Mother-in-law of Sh. R.K. Negi
Wife of Sh. O.P. Narula
Chandigarh
Karnal
We pray to the Almighty to grant peace to the departed
souls.
Views expressed by the authors in the various Articles need not necessarily be the views of the Association.
Monthly Magazine Registered with The Registrar for Newspapers in India under No. CHAMUL/2001/5941 dated 13.2.2002
7th February, 2015
Posted M.B.U. CHANDIGARH
BOOK POST
(Printed Material)
RONPFI Regd. No.
CHAMUL/2001/5941 Dt.13.2.2002
To,
Mr./Mrs./Ms.
If undelivered,
please return to :
K.K. Puri
# 136/1, Sector 45-A
Chandigarh.
Postal Registration No.CHD/0098
VALID for 1.1.2015 to 31.12.2017
Information Under Section 3 of Newspaper Act, 1867
Editor & Published by J.R. Gupta, H.No.5952, Modern Housing Complex, Manimajra, Chandigarh. Ph.: 0172-2730930, Mobile : 093563-81981
on behalf of State Bank of India Pensioners’ Association, Chandigarh Circle, Chandigarh.
Printed by : RGS Enterprises at RP Press, Gurudwara Road,8Badheri, Sector 41-D, Chandigarh. E-mail : [email protected]
Visit us on www.sbipensionerschd.com