STATE BANK OF INDIA - DEF SALARY PACKAGE

STATE BANK OF INDIA - SALARY ACCOUNT UNDER DEFENCE SALARY PACKAGE (DSP)
        (Details of Benefits given below and a vodeo on the package in Hindi embedded at the end)
     Defence personnel of the Army, Navy, Air Force, Indian Coast Guard, Assam Rifles, Rashtriya Rifles (RR) and GREF [Border Road Organisation (BRO)] can avail of Salary Accounts under Defence Salary Package (DSP)
      Available in four variants, namely Silver, Gold, Diamond and Platinum categorised on the rank of the personnel of Army, Navy, Air Force, Assam Rifles, RR and GREF (Border Road Organisation). PBORs are categorised in the Silver Variant; Officers are categorised under Gold, Diamond and Platinum Variants

SITE UPDATES - OUR MAILING-LISTS

WE MAINTAIN SEVERAL MAILING LISTS TO DISSEMINATE UPDATES WHEN POSTED ON THIS  SITE 
Dear Indian Military Veterans.

1.   With a view to keeping you updated with the latest information on the subjects of our concern posted on our this website,  we are maintaining several mailing lists. In addition we also try to disseminate our information through a large number of other Veterans groups. The Major lists are as under:-

SALUTE THE BHARTIYA SENA

THE INDIAN SOLDIER

*THE REAL 'MUSCULAR POWER' OF OUR NATION*

AS COUNTRYMEN DO WE REALLY RESPECT AND SUPPORT THE SOLDIER TO KEEP-UP HIS MORALE AND IZZAT - PLEASE THINK AGAIN

WATCH THE EXCELLENT VIDEO ON ARMED FORCES-    CLICK BELOW

UNIQUE DISABILITY ID CARD

UD (UNIQUE DISABILITY)  ID

The Govt of India has introduced the said Identity Card which can be applied on line by the persons with disability in addition to sending the hard copy of the application with all the requisite documents to the issuing authority.

WELFARE SCHEMES (ARMY VETERANS)

WELFARE SCHEMES MANAGED BY REHABILITATION AND WELFARE SECTION (CORPUS)

DIRECTORATE OF INDIAN ARMY VETERANS (DIAV)

1.         R&W Section(Corpus)/DIAV provides education grant to the wards of soldiers who die in harness.  It  also includes suicide cases and there is no bar on number of children.  Education grant is presently available for the academic year 2017-18.  Last date of submission of documents is   30 Nov 2018.  Application forms can be sent directly to R&W Section, and there is  no requirement of authentication from  Zila Sainik Board.  Details of welfare schemes/grants are as under :-

7th CPC - PCDA(P) IMPLEMENTATION ORDERS

PCDA Orders on 7th CPC – Defence Force Pensioners & Family Pensioners 

7th CPC Report Implementation : Orders & Cicrulars

 Armed Forces Pensioners / Family Pensioners

i. Circular No. 570 : Implementation of Governments decision on the recommendations of the Seventh Central Pay Commission- Revision of Pension of Pre-2016 Defence Forces Pensioners/Family Pensioners – Click to read the detailed order
ii. Circular No. 573 : Ex-Gratia lump sum compensation- Recommendations of the Seventh Central Pay Commission – Click to read the detailed order                        (CONTD)   

ITR FILING FOR THE DECEASED TAX PAYER

FILING OF INCOME TAX RETURN OF THE DECEASED PERSON

 In the eventuality of the death of a TAX PAYER his/her last return is required to be filed by the legal heir after getting him/her self registered on the Income Tax Efiling site. The responsibility of payment of tax rests with the legal heir. There have been cases where the IT Dept has raised demand after three to four years from the Family pensioner. We had earlier covered this aspect in detail at, http://signals-parivaar.blogspot.com/2015/12/income-tax-return-of-deceased-very.html please do read the nitty gritties and why and buts of the same.

   It is therefore necessary to file his/her last return. The method is not complicated and is described below in the succeeding paragraphs.

AADHAAR - LOCK OR UNLOCK BIOMETERIC DATA

How to Lock or Unlock your Aadhaar Card Biometrics Data Online

For the past few months we have been reading concerns expressed on security of your biometric data  stored on the UAIDI servers. In order to address these public concerns UIDAI has now provided an option on its Aadhaar Portal, with which you can easily lock or unlock your Aadhaar Biometrics Stored in their Database. Once you get enrolled for Aadhaar Card your biometrics details were captured such as  you’re both eyes iris scan, finger prints, and your photo. So all these  biometrics details can be locked from accessing by any one by you on line and on mobile App. 

So how to lock or unlock your Aadhaar Card Biometrics Online you will get to know by following below guide on How to Lock or Unlock your Aadhaar Card Biometrics Online.

FAMILY PENSION FOR DAUGHTERS

ELIGIBILITY OF UNMARRIED / WIDOWED / DIVORCED DAUGHTERS FOR GRANT OF FAMILY PENSION

          In accordance with clauses (ii) and (iii) of sub-rule (6) of Rule 54 of the C.C.S. (Pension) Rules, 1972 read with clause (b) of Para 7.2 of this Department’s O.M. No.45/86/97-P&PW (A)-Part I dated the 27th October 1997, son/daughter including widowed/divorced daughter shall be eligible for grant of family pension till he/she attains the age of 25 years or up to the date of his/her marriage/remarriage, whichever is earlier (subject to income criterion to be notified separately). In this connection Govt Letter dated 30 Aug 2004 referes which is reproduced towards the end of this post..

The above provisions were modified with effect from 06 Sep 2007, wherein the unmarried daughters above 25 years of age are also eligible for pension at par with widowed/divorced daughters subject to other conditions being fulfilled and in case  there is no disabled child to receive the family pension.

(Auth: GOI, MoD letter 1(3)/2007-D (Pen Policy) dated 25 Oct 2007 as contained in  to PCDA(P) Circular Number 492 dated 24 Jan 2013 , which may be down loaded from  their web site http://pcdapension.nic.in/pcdapension/6cpc/Circular-492.pdf)

SAMPLE CALCULATIONS OF PENSION - 7 CPC

SAMPLE CALCULATIONS- Sunday, May 14, 2017

Implementation of Government's decision on the recommendations of the Seventh Central Pay Commission -Calculation of Revised of pension of pre-2016 pensioners/family pensioners, etc :

OM No.38/37/2016-P&PW(A) dated 12.5.2017 :

Implementation of Government's decision on the recommendations of the Seventh Central Pay Commission - Revision of pension of pre-2016 pensioners/family pensioners, etc :

SAMPLE CALCULATIONS
i) REVISED PENSION OF PENSIONERS WHO RETIRED BETWEEN 1-1-1986 & 31-12-1995 (4TH CPC SCALES)

Step 1: work out Notional pay as on 1.1.1996 = LPD at the time of retirement + DA as on 1-1- 1996 was 148 % up to Rs.3500 BP and 111% for BP Rs.3501 to 6000 with minimum of Rs.5180 + IR 1 Rs 100/- + IR II =10% of BP (min Rs100) + 40% fitment benefit sum total be placed in appropriate stage in the 5th CPC scale corresponding to the scale from which retired

RETIRED RECENTLY - VETERANS

THIS POST IS FOR YOU.....                     (Updated - today)

ACTIONS BY RECENT RETIREES THEY MUST TAKE AFTER RETIREMENT ASAP

1. It is a fact of life that we, while in service never bothered about our Retired Phase of Life. We may have been very good professionally Wwith long tails of qualifications, however, are virtually NIX on the issues which bug us all day in and day out during the retired life. During service one had a functional office as well as administrative support which just vanished in thin air, in a short while after one's farewell to arms.
2. Are you, for sure, aware as to what all forms you filled up and sent to AG's branch six months before your superannuation. Wasn't it your Head Clerk who liaised with another unit to copy all these documents from the ones belonging to another recent retiree. Our ignorance would surely lead to many issues which will crop up in a few years. We will then be bash our head here and there to rectify what could have been done easily immediately after retirement. (CONTD)

PENALTY INTEREST ON DELAYED PAYMENTS OF PENSION BY PDAs

COMPENSATION BY AGENCY BANKS (PDA) FOR DELAYED PAYMENT OF PENSION AND FAMILY PENSION WEF 01 OCT 2008

1.       A large number of pensioners/family pensioners have been facing the problem of delayed payments by banks or paying lesser pension than their entitlement. It's been found to be a very very common problem particularly faced by the Family Pensioners who are generally not aware of their entitlements and the system which pays them the pension. We have seen my pensioners and Family pensioners running to their banks and virtually begging the bank clerks to look into the payments and corrections whereas they are duty bound by explicitly laid down rules too pay the correct pension without any claims from us. The attitude of the bank clerks in most of the banks has generally seen to be rude and indifferent as if they are the ones who are giving the pension to them. (Contd -click below) ----- 

LINKING AADHAAR AND PAN - Simplified

Income Tax (IT) Department simplifies linking PAN with Aadhaar for taxpayers using Income Tax India website. No need to login or be registered on the E-filing website for linking
The Income Tax (IT) Department has made it easy for taxpayers to link their PAN with Aadhaar. Responding to grievances of taxpayers regarding difficulties in linking PAN with Aadhaar as their names did not match in both systems (e.g., names with initials in one and expanded initials in another), the IT Department has come out with a simple solution now.Taxpayers can go to "http://www.incometaxindiaefiling.gov.in/" and click on the link on the Link Aadhaar, provide PAN, Aadhaar number and ENTER NAME EXACTLY AS GIVEN IN AADHAAR CARD (avoid spelling mistakes) and Submit. One can also direclty reach the page  for linking  your aadhaar with your PAN  clicking on "Link Aadhaar" or by selecting the option under services section in their home page.

COMPENDIUM FOR VETERANS

ALL IN ONE COMPENDIUM FOR VETERANS

(A BOOKLET PREPARED BY SIGNALS PARIVAAR FOR THE BENEFIT OF RETIRED FAUJIs)

1.      While in service, we planned for all contingencies which might occur, whether in official or in our personal issues. However, after retirement many of us do not exercise the same josh in our personal affairs. We feel that we still have plenty of time to go, as such will look into our affairs to set them in  order in due course of time. The time is moving from second to second since the entire Universe is dynamically changing every nano-second. One is not ever sure when our invitation will come to take on the journey to our heavenly abode. Let us be frank and face the fact of life without faking our worldly thoughts the end may be , all you know is round the corner. So friends its time now to 

7th CPC IMPLEMENTATION - MAY 2017

CABINET DECISION - IMPLEMENTATION OF 7TH CPC TO DEF PERS
The Cabinet in its meeting on 03 May 2017 approved the implementation of 7th CPC for def pers. The Press Release from PIB is placed in the succeeding paragraphs for your information. Links to other posts on 7 CPC are also placed at the end of this post. Consequently the Ministry of Defence too has issued Gazette notifications as Pay rules for Army Navy and Air Force as implementation instructions. These are placed below and can be accessed or downloaded by clicking on them:-
   * 7th CPC Army Pay Rules Offrs
   * 7th CPC Pay Rules JCOs OR
   * 7th CPC Navy Pay Rules Offrs
   * 7th CPC Air Force Pay Rules
   * 7th CPC DEF PAY MATRIX (OFFRS)
   *  DOPPW  LETTER (Pay Fixation) 12-MAY-2017(IMPORTANT)
   *  CIVIL CG EMPLOYEES 7 CPC PAY MATRIX 
   *   DEFENCE CIVILIAN PENSIONERS - CIR  C-164 DT 30 MAY 2017

CABINET DECISON TAKEN ON 03 MAY 2017 ON THE IMPLEMENTAITON OF 7 CPC FOR SERVING DEFENCE PERSONNEL

RESCUE

KEMPY'S NOSE -   IAF Rescue  Adventure  - An Excellent Write-up

 Wg Cdr Unni Kartha (Retd) *

     The dark, ominous, thunder heads had been rising from the depths of Subansary valley all morning. The orographic winds pushed them up the slopes and the impetus helped it to climb higher and higher till the cataclysmic thermodynamics of thunder clouds unleashed enough energy to help them climb unrestricted to unimaginable height, hell bent on destruction around ‘Mechuka’. I was in the middle of it.

CHOSEN ARTICLES FOR YOUR PLEASURE READING

CHOSEN ARTICLES FOR YOUR PLEASURE READING
 Dear Readers,
      Over the years I have collected a large number of articles on various subjects. These include the ones collected during my service as well. Its my treasure which I have been sharing with my friends through this media. These are uploaded in digital formats on my numerous cloud storages. 
      I have great pleasure in sharing my library which also includes articles contributed by friends and colleagues from Army Navy and Indian Air Force with my readers right here on Signals Parivaar Blog site.  You will notice that these are spread under carious sections based on my target storage. While you can see the list as you scroll similar lists will appear on clicking the other section shown at the bottom of this post.
      While scrolling on any of the lists you may select your article by stopping your mouse over its title, the mouse icon will changes into a hand icon. By clicking on the selected title the article will open in a New Window for your reading pleasure. There are thousands of articles which you can find  on/through this blog-site.
      Lastly I will urge my readers to kindly share their articles write-ups etc with the Veteran's community through this site. Please mail them to mgr.sigs@gmail.com in any file format for upload under your name as the contributor or the author.     The lists follow : -


* SARDAR PATEL - A TRIBUTE
*  HOW TO LIVE AND DIE By Khushwant Singh
* THIRD PILLAR OF DEMOCRACY
* LITTLE GIRL WHERE DID I LOSE HER

RELIEF ON INCOME TAX FOR ARREARS - RECEIVED IN FY 2016-17

RELIEF ON INCOME TAX ON ARREARS OF OROP-2

1.  There have been Many queries from our readers on as to how to work out relief on Arrears of OROP fourth installment, which had been received during the FY 2023-24 while filing the ITR for the current Assessment Year  before 31st of Jul 2024

       NOTE : Just to remind the readers  not to delay filing your return this year as the

 Income Tax department will charge you delay penalty of Rs 5000/- . It is no Rocket

 science but a child’s play. It is very very easy to file the ITR on line, child's play because

 your data is prefilled by the portal and all calculations are done automatically, you

 need to  just put in figures of your pension and income from other sources rest is done

 by the on line software, do veryfy the figures as per interest certs received from the

 banks. Please refer to our post on the same at "E FILING ITR-1 ON LINE"   

 OR copy paste this in your browser   http://signals-parivaar.blogspot.com/2018/07/e-filing-itr-1-on-line.html

3.  The installments of OROP-2 lif pertain to the FY 2023-24 will add to your income hence the Tax. 
4.   One can claim rebate to the extent what we would have paid had the arrears were received during the year to which they pertain to. This all done on line while filing the ITR by filling up Form 10-E. However first and foremost carry a check whether it will be of some benefit or not.

5.   It will be beneficcial only if in the previous years you were ina lower bracket.