VAYU SAMVEDNA - l - IAF Pensioners
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VAYU SAMVEDNA
(A bi-annual magazine of the Directorate of Air Veterans, Air HQ,
exclusively for Air Veterans & their Next of Kin)
ISSUE NO. 14 JAN - JUN 2019
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HON'BLE RAKSHA RAJYA MANTRI DR SUBHASH BHAMRE ALONG WITH THE CHIEFS OF THREE SERVICES AND OTHER DIGNITARIES RELEASING THE 13TH EDITION OF DAV MAGAZINE 'VAYU SAMVEDNA' DURING THE ARMED FORCES VETERANS DAY RALLY HELD ON 14 JAN 19 AT NEW DELHI. AIR MSHL PP BAPAT VSM, AIR OFFICER-IN-CHARGE ADMINISTRATION VISITING DAV STALLS DURING THE ARMED FORCES VETERANS DAY RALLY HELD ON 14 JAN 19 AT NEW DELHI.
Contents
CHAIRMAN
AIR MSHL PP BAPAT VSM
AIR OFFICER IN CHARGE
ADMINISTRATION
Sl Subject Page
No. No.
CHIEF PATRON
01 Message from Chief Patron 4
AVM P SUBHASH BABU VSM
ACAS (ACCTS & AV)
02 Message from The Patron 5
03 From the Editor 6
PATRON
04 Grant of Fixed Medical Allowance 7
AIR CMDE DS DAGAR
AIR CMDE AV 05 Kendriya Sainik Board 10
06 Benefits beyond 60 years 12
EDITOR 07 The Saving of Chander 15
WG CDR MONICA MISHRA
WG CDR AV (A&N-FP) 08 The Lesser Known Saga of SAM II 16
09 Welfare Information 18
10 IAF Placement Cell 27
ASST EDITOR
11 AFWWA Grants & Schemes 28
SGT JOHN VARGHESE
12 ECHS Corner 33
13 Warm Tribute to Late Air Marshal
FORWARD YOUR SUGGESTIONS & ARTICLES TO :-
CS Naik PVSM AVSM VSM 41
The Editor, Vayu Samvedna
Air Headquarters
14 Home Death & Service Death details 42
Directorate of Air Veterans
Subroto Park
New Delhi – 110010
Tel:011-25687194/5763, IP No. : 23297766
Email: vayusamvedna@gmail.com &
fromthetarmac@gmail.com
Website: www.iafpensioners.gov.in
3
Air Vice Marshal P Subhash Babu VSM
ACAS (Accts & AV)
MESSAGE FROM CHIEF PATRON
1. The Indian Air Force is dedicated to the welfare of Air Veterans and their family
members, which is visible through the proactive and sympathetic approach adopted by
Directorate of Air Veterans. Within a short span of its existence, DAV has become a
single-point solution provider in resolving the pensionary issues of Air Veterans and
family pensioners.
2. The endeavour of DAV in accomplishing its assigned objectives is evident
through its overwhelming contribution during the 'Armed Forces Veterans Day 2019'
celebrations held at Manekshaw Centre, New Delhi and through its participation in
various Defence Pension Adalats and Ex-servicemen Rallies held across the country.
Constant liaison with Air Force Pension Liaison Cell, Prayagraj has proved to be fruitful
in overcoming delay in issue of PPOs of Pre-86 pensioners and has also helped in
resolving the bottlenecks with the PSA in a swift manner.
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3. It gives me immense pride and satisfaction to release the 14 edition of 'Vayu
Samvedna'. The magazine is an effort of this fourth largest and potent Air Force to
connect with its proud veterans. The magazine so far has earned massive appreciation
from its readers for fulfilling its objective of disseminating accurate information on latest
policies in a comprehensive manner.
4. I assure all the Air Veterans and their family members that DAV shall continue to
remain sensitive and committed to the issues affecting the pensioners and render all
possible help within the framework of laid down policies. I also take this opportunity to
urge all our readers to contribute in enhancing the contents of this magazine through
their valuable suggestions and articles.
5. Wishing good health, prosperity and happiness to all the Air Veterans and their
families.
JAI HIND
4
Air Commodore DS Dagar
Principal Director
MESSAGE FROM PATRON
1. DAV is more than aware of the issues being faced by our esteemed veterans
and their families; hence there have been numerous efforts to reach out to them
through multiple channels. One such channel between Directorate and the Air
Veterans is established through the bi-annual magazine of DAV 'Vayu Samvedna'.
2. A Large number of readers have conveyed to me that 'Vayu Samvedna' has
been the apt name of this beautifully crafted DAV magazine. Indeed, it does represent a
strong bonding and commitment of this Directorate with our pensioners' fraternity,
which we intend to further cement. With a sole aim of disseminating vital information on
pensionary benefits and welfare measures, 'Vayu Samvedna' has now become the
leading magazine on affairs pertaining to our Veterans. I congratulate the editorial team
on the 14th edition of the magazine.
3. I take this opportunity to appeal to the readers to take this endeavour forward
and request feedback from our torchbearers of yesteryears.
4. Wishing you all the best times ahead.
JAI HIND
5
From the Editor…
1. I am extremely pleased to be associated with publication of 14th Edition of 'Vayu
Samvedna', erstwhile 'From The Tarmac'. The vision of DAV envisages the well being
of all our Air Veterans and their dependents. The endeavour has always been to
connect with them and further sensitize them about their pensionary benefits in line
with the recent govt policies and procedures through this magazine.
2. This edition is packed with important information on grant of Fixed Medical
Allowance (FMA) to non-ECHS members, revised grants and schemes by Air Force
Wives Welfare Association (AFWWA), various schemes offered by Kendriya Sainik
Boards, short guide on defence pension etc. ECHS has witnessed numerous
updations in its policies by the Govt of India, considering this, a special bulletin has
been devoted for its coverage.
3. There have been innumerable requests from Air Veterans for regular
subscription of this magazine. However, it is pertinent to mention that this magazine is
not available on any type of subscription or on payment basis. 'Vayu Samvedna' is
published by DAV for the welfare of the pensioners' fraternity and sufficient copies are
made available at all the chapters of Air Force Association, Zila Sainik Boards, ECHS
Polyclinics and Air Force Units. Its e-version is also available for download on our
website: www.iafpensioners.gov.in.
4. The suggestions from readers are solicited to further improve the quality of the
magazine and make its future editions more effective and informative.
JAI HIND
6
Auth: GoI MoD letter No. 22(01)/2011/WE/D(Res-I) dated 01 Nov 18
O/o the PCDA (P) Circular No. 616 dated 31 Jan 19
Effective from 01 Dec 2018
1. ECHS membership is mandatory for all service pensioners and entitled family pensioners,
wherein the air warrior had retired/ discharged/expired on or after 01 April 2003. Their contribution
to ECHS membership is non-refundable. All Pre-01 April 2003 retirees have the option of either
joining ECHS scheme by remitting appropriate contribution and forfeiting of Fixed Medical
Allowance (FMA) or continue to draw FMA as hithertofore.
2. Despite being an ECHS member, those Ex-servicemen pensioners and entitled family
pensioners residing in districts, where no ECHS Polyclinic or Armed Force Hospital or MI room
upgraded to accommodate ESMs is available, will be eligible for FMA as well as will be entitled
for IPD treatment.
3. The residential address of the ECHS member for payment of FMA/cessation of FMA shall
be the address indicated as the permanent address in his/her PPO. The list of districts for which
st
FMA is to be paid will be issued on 01 January every year by MD ECHS to Polyclinics/Regional
Centers and also uploaded in the ECHS website. The latest list of districts for which FMA is to be
paid as on date of issue of this order i.e. 01 Nov 18, is as mentioned below:-
1. Andaman & Nicobar Nicobar, North and Middle Andaman
2. Andhra Pradesh Vizainagaram
3. Arunachal Pradesh Anjaw, Changlang, Dibang valley, East Kameng, East Siang,
West Siang, Kra Daadi, Kurung Kumey, Longding, Lower Dibang
Valley, Lower Subansiri, Namsai, Papum Pare, Siang, Lohit,
Tirap, Upper Siang, Upper Subansil
4. Assam Baksa, Barpeta, Biswanath, Chariadeo, Chirang, Dhemaji,
Dimahasao (North Cachar Hills), Golaghat, Hailakandi, Hojai,
Kamrup, Karbi Anglong, Kokrajhar, Karimganj, Majoli, Mori
Gaon, Nalbari, Sivasagar, South Salamara Mankachar, Udalguri,
West Karbi Anglong
5. Bihar Araria, Arwal, Aurangabad, Banka, Begusarai, Gopalganj,
Jamui, Jehanabad, Kaimur, Kisanganj, Lakhisarai, Madhepura,
Nalanda, Nawada, Purnia, Saharsa, Sheikhpura, Sheohar,
Supaul, West Champaran
6. Chattisgarh Balod, Baloda Bazar, Balrampur, Bematrar, Bijapur, Dantewada
(South Bastar), Dhamtari, Durg, Gariaband, Janigir- Chamba,
Rajgarh, Kabirdham (Kawardha), Kanker (North Bastar),
Kondagaon, Korba, Korea (Koriya), Mahasamund, Mungeli,
Narayanpur, Rajandgaon, Sukma, Surajpur, Surguja
7. Dadar & Nagar Haveli Dadar & Nagar Haveli
8. Daman & Diu Daman, Diu
9. Delhi South West Delhi, North East Delhi, North West Delhi, East Delhi,
North Delhi
7
10. Gujarat Amreli, Anand, Aravalli, Banaskanath (Palanpur), Bharuch,
Bhavnagar, Botad, Chhota Udaipur, Dahod, Dangs (Ahwa),
Devbhoomi Dwarka, Gandhinagar, Gir Somnath, Junagadh,
Kheda (Nadiad), Mahisagar, Mehsana, Morbi, Narmada
(Rajpipla), Navsari, Panchmahal (Godhra), Patan, Porbandar,
Sabarkantha, Tapi, Valsad
11. Haryana Mewat
12. Himachal Pradesh Kinnaur, Lahaul and Spiti
13. Jammu & Kashmir Bandipora, Budgam, Ganderbal, Kistwar, Kulgam, Pulwama,
Ramban, Reasi, Shopian
14. Jharkhand Bokaro, Chatra, Dumka, Garhwa, Giridih, Godda, Hazaribagh,
Jamtara, Khunti, Koderma, Latehar, Lohardagga, Pakur,
Sahibganj, Saraikela- Kharsawan, Simdega
15. Karnataka Bagalkot, Bellary, Bangalore Rural, Chamarajanagar,
Chickballapur, Chikkamangaluru, Chitradurga, Davangere,
Gadag, Haveri, Koppal, Mandya, Raichur, Ramnagara, Udupi,
Yadgir
16. Lakshadweep Lakshadweep
17. Madhya Pradesh Agar (Malwa), Alirajpur, Anuppur, Ashoknagar, Balaghat,
Barwani, Burhanpur, Chhatarpur, Chhindwara, Damoh, Datia,
Dewas, Dhar, Dindori, Guna, Harda, Jhabua, Katni, Khargone
(West Nimar), Khandwa (East Nimar), Mandla, Mandsaur,
Narsinghpur, Neemuch, Panna, Raisen, Rajgarh, Ratlam,
Sehore, Seoni, Shahdol, Shajapur, Sheopur, Shivpuri, Sidhi,
Singrauli, Tikamgarh, Umaria, Vidisha
18. Maharashtra Bhandara, Chandrapur, Gadchiroli, Gondia, Hingoli, Jalna,
Nandurbar, Palghar, Parbhani, Raigad, Yevatmal, Washim
19. Manipur Bishnupur, Chandel, Imphal East, Jiribam, Kakching, Kamjong,
Noney, Pherzawl, Tamenglong, Tangnoupal, Thoubal, Ukhrul,
Imphal West
20. Meghalaya East Garo Hills, East Jaintia Hills, North Garo Hills, Ri Bhol, South
Garo Hills, South West Garo Hills, South West Khasi Hills, West
Jaintia Hills, West Garo Hills, West Khasi Hills
21. Mizoram Champhai, Kolasib, Lawngatlai, Mamit, Saiha, Serchhip, Kiphire,
Longleng, Mon, Peren, Phek, Tuensang, Wokha, Zunheboto
22. Odisha Boudh (Baude), Bhadrak, Balangir, Bergarh (Baragarh), Cuttack,
Debagarh, Gajapati, Jharsuguda, Jajpur, Jegatsinghapur,
Kendujahr (Keonjhar), Kandhamal, Kendrapara, Malkangiri,
Mayurbhanj, Nabarangapur, Nayagarh, Nuapada, Rayagada,
Subarnapur (Sonepur), Sundargarh
23. Puducherry Karaikal, Mahe, Yanam
8
24. Rajasthan Banswara, Baran, Bundi, Chittorgarh, Dholpur, Jalaur, Jhalwar,
Pratapgarh, Sirohi, Swai Madhopur, Tonik
25. Sikkim North Sikkim, South Sikkim, West Sikkim
26. Tamil Nadu Ariyalur, Karur, Krishnagiri, Namakhal, Perambalur, Pudukkottai,
Tiruppur, Tiruvarur
27. Telangana Adilabad, Bhadrdari Kothagudam, Jagtial, Jangaon,
Jayashankar Bhoopalpally, Jogulamba Gadwal, Kamareddy,
Komaram Bheem Asifabad, Mahabubabad, Mancherial, Medak,
Nagarkurnool, Nirmal, Nalgonda, Nizamabad, Peddapalli,,
Rajanna Sircilla, Sangareddy, Siddipet, Suryapet, Vikrabad,
Wanaparthy, Warrangal (Rural), Warrangal (Urban), Yadadri
Bhuvanagiri
28. Tripura Dhalai, Gomati, Khowai, North Tripura, Sepahijala, South
Tripura, Unakoti
29. Uttar Pradesh Amethi (Chatrapati Sahuji Maharaj Nagar|), Amroha (Jyotiba
Phule Nagar), Auraiya, Bahraich, Balrampur, Chandauli,
Chitrakoot, Hamirpur, Hapur (Panchsheel Nagar), Kannauj,
Kanshiram Nagar (Kasganj), Kaushambi, Kushinagar
(Padrauna), Lalitpur, Maharajganj, Mahoba, Mau, Pilibhit,
Sambhal (Bhimnagar), Sant Kabir Nagar, Sant Ravidas Nagar
(Bhadohi), Shamli (Prabudhnagar), Shravasti, Sidharth Nagar,
Sitapur, Sonbhadra
30. West Bengal Birbhum, Dakshin Dinajpur, Hoogly, Jhargram, Malda, Purba
Budwan, Purba Midnapur, Purulia
4. The date of commencement of FMA will be the first day of the subsequent second month in
st
which the Pensioner has submitted the application (e.g. FMA will commence from 1 July for all
st st
applications submitted during 1 May to 31 May).
5. An Ex-servicemen who is drawing FMA will not be entitled to OPD
facility at ECHS Polyclinic and Armed Forces Hospital. He is also not
eligible for referral to Empaneled facilities for treatment in OPD. The
ECHS smart card of the ESM will be endorsed with the details of facilities
available to him/her. The date of cessation of OPD will be the first day of
the following second month in which the pensioner has submitted the
st
application (e.g. OPD will cease from 1 July for all applications submitted
st st
during 1 May to 31 May).
6. The cessation of FMA, in the event of opening a new Polyclinic in
the District by PDA/bank would be based on a certificate issued by CO,
ECHS through existing chain of Command & Control regarding the operationalization of ECHS
Polyclinic. With effect from the following month in which ECHS Polyclinic is operationalized, the
entitlement of FMA for the pensioner residing permanently in that district will cease. Any FMA paid
in excess will be recovered from his subsequent pensionary entitlements. The ECHS card of the
ESM will be updated on the status of FMA and medical facility available to him.
Please Note: On receipt of requisite advisory on the subject from O/o the PCDA (P), wide
publicity will be given by this Directorate and subsequently affected pensioners may
approach this Directorate.
9
1. Kendriya Sainik Board (KSB), under the Chairmanship of Raksha Mantri, is an apex body of
the Govt of India, which looks after welfare of Ex-Servicemen (ESM), war widows and their
dependents. The KSB Sectt administers various schemes/programs for welfare of ESM and their
families, and also controls the welfare funds.
2. Armed Forces Flag Day Fund (AFFDF): AFFDF is a welfare fund which is utilized for
funding various welfare/rehabilitation schemes for ESM as given below.
3. Categories of ESM for Identity Cards: Categories of ESM to which “ESM Identity Cards”
can be issued by the RSBs/ZSBs are ESM (Officers), ESM {Airmen & NCs(E)}, War Widows, War
Disabled and Widows of ESM.
4. Registration of ESM: All retired service personnel are required to register themselves at
the Zila Sainik Board, where they propose to settle down after retirement as recorded in their
discharge documents. This is mandatory for issuing ESM Identity Card and availing benefits
under welfare schemes.
5. Financial Assistance for Treatment of Serious Diseases: Financial assistance up to
75% and 90% of expenditure or max ` 1.25 lac for treatment of serious disease like heart ailment
etc and ` 75,000/- for cancer/dialysis for non-pensioner Officer and Airmen/ NCs(E) respectively.
6. Financial Assistance for Purchase of Modified Scooter: Financial Assistance of
` 57,500/- is provided to ESM disabled with 50% or higher disability, for purchase of modified
scooter.
7. Financial Assistance for Purchase of Tool Kit: Financial Assistance of ` 8,000/- is
provided for purchase of tool kits to ESM subject to the terms and conditions of the scheme.
8. Reimbursement of Interest on House Construction Loan: Interest subsidy up to max
amount of ` 1 lac on loan taken from any nationalized bank, reputed Govt organization, for
construction of house is reimbursed to war bereaved/ disabled, attributable casualties and their
dependents.
9. Financial Assistance under Raksha Mantri's Discretionary Fund
(a) Penury Grant @ ` 4,000/- pm for life time for non-pensioner ESM and widows of 65
years age and above, up to the rank of Sgt/equivalent.
(b) Disabled Children Grant @ ` 1,000/- pm for disabled children of Pensioner/ Non-
pensioner ESM up to Sgt and equivalent with 100% disability.
(c) Medical Grant up to ` 30,000/- pa (max) for non-pensioner up to Sgt/equivalent and
their widows. For Nepal, pensioner and non-pensioner ESM up to Sgt/equivalent are
eligible.
(d) House Repair Grant (` 20,000/- max) for houses damaged in natural calamities for
pensioner/ non-pensioner up to Sgt/equivalent.
(e) Funeral grant of ` 5,000/- for widows (pensioner/non-pensioner up to the rank of
Sgt/equivalent).
(f) Marriage grant of ` 50,000/- per daughter for marriage of maximum two daughters
and remarriage of widows (pensioner/non-pensioner up to Sgt/equivalent).
10(g) Education Grant @ ` 1,000/- pm for education from Std I to Graduation for wards and
up to Post-Graduation for widows (pensioner/non-pensioner up to Sgt/equivalent).
(h) Officers' Training Grant @ ` 1,000/- pm for wards of pensioner/non-pensioner up to
Sgt/equivalent undergoing cadet training at NDA.
(j) Orphan Grant @ ` 1,000/- pm for orphans of pensioner/non-pensioner (all ranks) for
girls till marriage and boys up to 21 years of age.
(k) Vocational Training Grant ` 20,000/- (one-time) for widow (pensioner/non-
pensioner up to Sgt/equivalent) for her own training.
10. Paraplegic Rehabilitation
Centres: PRCs are provided grant @
` 9,60,750/- pa for Kirkee and ` 4,34,375/-
pa for Mohali for maintenance, besides
per inmate grant @ ` 14,600/- pa for their
diet etc.
11. Financial Assistance through
St Dunstan’s After Care Organization:
St Dunstan’s After Care Organization
provides psychological support to ESM to
overcome devastating shock of blindness,
provides vocational training and after care
services. A sum of ` 14 lakh is provided as
annual grant to the organization.
12. Financial Assistance through Cheshire Homes: Cheshire Homes look after
leprosy/mentally handicapped/ chronic spastic/ paraplegic/ TB patients. Grant of ` 9,000/- pa per
inmate is provided to these Cheshire Homes.
13. Grant to Trg/Production Centres in MHs: Annual grant is also given to Military Hospitals
(MHs) and other places for rehabilitation and training of ESM/widows.
14. Recurring Grant for War Memorial Hostels: Recurring grant is provided to War
Memorial Hostels for wards of war widows/war disabled and attributable/ non-attributable cases
@ ` 1,350/- pm per ward. Admission to these Hostels is opento wards of all defence personnel.
15. Identity Cards for Railway Concession to War Widows: KSB issues War Widows
Identity Cards to avail 75% rail travel concession in sleeper class.
16. All India Gorkha ESM Welfare Organisaion: All India Gorkha ESM Welfare Association
is also provided with an annual grant @ ` 8 lac pa for welfare of Gorkha ESM.
17. Prime Minister’s Scholarship Scheme: The scheme provides 5500 scholarships for
professional degree level education for wards/widows of ESM. The scholarships are paid for entire
th
duration of the courses. Eligibility for scholarship is 60% marks in MEQ (12 /Diploma/Graduation)
and rates of scholarships are ` 2,000/- pm for boys and ` 2,550/- pm for girls.
18. Admission in MBBS/BDS Colleges: Around 25 seats in MBBS and 1-3 seats in BDS
(subject to allotment by Ministry of Health) as Central Government nominee are given to KSB for
allotment to wards/wives/widows of Defence personnel subject to terms and conditions laid down
for this purpose.
19. Contact Details: Kendriya Sainik Board, Ministry of Defence, West Block-IV,RK Puram,
New Delhi- 110 066. Tel: 011-26715250, www.desw.gov.in
11BENEFITS BEYOND 60 YEARS
1. As your body clock strikes 60, a brand new phase of your life begins. The monotony of work
and the paucity of time completely vanish. Instead, what you are left with is a better understanding
and a greater experience of how the world truly functions. In order to adapt to these changing
realities, keeping yourself fit and agile and financially independent is essential. The good news is
that the Indian Government can help you throughout this extremely crucial stage. It has designed
multiple strategies to provide you with a huge variety of benefits that can make your life much
easier and simpler. Here are a few perks and privileges that you can avail once you cross the
threshold of middle-age and step into the cherished category of senior citizenship.
2. Financial Benefits: For the
purpose of filing income tax returns, the
IT department classifies elderly people
into two categories:
-Above 60 - Senior Citizens
- Above 80 - Very Senior Citizens
3. In case of senior citizens, an
income up to ` 3,00,000 is exempt from
tax. Income above this amount would be
taxed as per applicable rates. However,
in case of very senior citizens, the
exemption limit has been relaxed further.
They don’t have to pay any tax for an
income up to ` 5,00,000. For latest tax
slab, refer Finance Act 2019-20.
4. Social Benefits: For the benefit of senior citizens, the government has initiated a number
of social programs and welfare schemes under various central and state ministries. These include:
(a) Integrated Program for Senior Citizens (IPSrC): This scheme is being run under
the administrative control of Ministry of Social Justice and Empowerment. Under this
scheme, grants-in-aid for running and maintenance of Senior Citizens Homes popularly
called Old Age Homes/ Continuous Care Homes, Mobile Medicare Units etc, is being
provided to State Governments/ Union Territory Administrations/ Panchayat Raj
Institutions/ Local bodies; Non-Governmental/Voluntary Organizations.
(b) Rashtriya Vayoshri Yojana (RVY): The objective of the scheme is to provide senior
citizens belonging to BPL category and suffering from age related disabilities/ infirmities,
with such physical aids and assisted living devices which can restore near normalcy in their
body functions.
(c) Senior Citizens Welfare Fund: In pursuance of the Budget Announcement, 2015-
16, this welfare fund has been created to be utilized for schemes promoting financial
security of senior citizens, healthcare and nutrition of senior citizens, welfare of elderly
widows, schemes relating to Old Age Homes, Short Stay Homes and Day Care of senior
citizens etc, for the promotion of their welfare.
(d) National Council of Senior Citizens (NCSrC): The mandate of NCSrC is to advise
Central and State Governments on the entire gamut of issues related to welfare of senior
citizens and enhancement of their quality of life.
12(e) National Social Assistance Programme (NSAP): NSAP is a social security/ social
welfare programme applicable to old aged, widows, disabled persons and bereaved
families on death of primary bread winner, belonging to below poverty line household. Old
age pension is provided under Indira Gandhi National Old Age Pension Scheme
(IGNOPAPS).
(f) Sugamya Bharat Abhiyan (Accessible India Campaign): It aims to enable
persons with disabilities to gain universal access, equal opportunity for development,
independent living and participation in an inclusive society in all aspects of life. This
includes creation of elder friendly barrier free environment in buildings, public toilets,
buses, bus-stands, airports and other places to create age-friendly cities.
(g) Pradhan Mantri Vaya Vandana Yojana: Designed to provide social assistance to
senior citizens by paying a minimum pension of ` 1000/- per month. The scheme is being
implemented through Life Insurance Corporation (LIC) of India. It provides an assured
return of 8% per annum payable monthly for 10 years.
(h) Annapurna Scheme: Senior citizens who are not getting pension under IGNOAPS,
are provided 10 kg of food grains per person per month free of cost.
(j) Antyodaya Anna Yojana: Rice and wheat at a highly subsidized cost, is extended
to households, headed by widows/ terminally ill/ disabled person/ senior citizens, with no
assured means of maintenance or societal support.
5. Safety and Security: The Ministry of Home Affairs has issued advisories to all State
Govts/UTs for taking immediate measures to ensure safety and security and for elimination of all
forms of neglect, abuse and violence against old persons.
6. Travel Benefits: For senior citizens,
the option to travel and explore everything
that they might have missed out on so far has
become entirely effortless.
7. The Indian Railways provides a 40%
rebate to senior citizens (men) and a 50%
rebate to senior citizens (women) on buying
a ticket of any class. This rebate is applicable
on all trains without exception. Facility for
provision of wheel chair at railway stations
also exists. When it comes to international
travel, the passport issuance process has
been made seamless. Senior citizens do not
need to apply online. They can just walk into
any Seva Kendra and apply for passports.
8. Health Benefits: A multitude of health-based benefits has been introduced by the
government to help senior citizens lead a fulfilling life. These are:
(a) Under Section 80D of the Income Tax Act, 1961, the premium an aged citizen pays
for health insurance is eligible for tax deduction. An exemption amounting up to ` 50,000
can be availed.
(b) The ‘National Program for Health Care of Elderly’ has been launched. It aims to
provide dedicated health care facilities at primary, secondary and tertiary levels.
(c) Senior citizens are also given preferential treatment in government hospitals
wherein their requirements are handled on a priority basis.
139. Commercial Benefits: Most banking institutions offer a specific set of advantages to help
senior citizens manage their expenses better. These involve:
(a) If you maintain a
pension account in a bank,
you become eligible to avail
loans amounting upto 50 times
your total monthly pension
subject to a maximum limit of
`75 lakh. The processing fee
is low, the loan tenure is high
and the repayment periods are
extended for as long as 15
years.
(b) Fixed deposits for
senior citizens usually come
with an additional rate of
interest. Approximately 0.5%-
1% of extra interest is paid out
to people above the age of 60.
You are also given the
freedom to either avail the
interest income monthly or receive it as a lump sum amount at the end of your deposit
tenure.
(c) With respect to senior citizens having Savings Account in Banks and Post Offices,
higher interest rate is given to them.
(d) Senior citizen can mortgage their property with Banks and can get a maximum loan
amount up to 60% of the value of the residential property.
10. Other Benefits: Apart from the aforementioned, senior citizens are entitled to a plethora of
other government benefits which include:
(a) Senior Citizen Savings Scheme: You can register for this scheme at a bank or a
post office. The scheme runs for 5 years with a possible extension period of 3 years. The
interest remains fixed throughout the scheme’s tenure. Currently, it has been set at an
attractive rate of 8.6%. Moreover, tax benefits under Section 80C are also available for this
scheme.
(b) Life Pension Certificate: Instead of producing a physical life certificate every
year, senior citizens can now simply register themselves on the Jeevan Pramaan website
and claim unhindered pension benefits.
11. Miscellaneous: Senior citizens can opt for subsidized telephone bills, 25% concession
on phone installation, preferential hearing of court cases and separate queues at government
outlets.
12. Even as the twilight zone of life approaches, these benefits would help you manage your
finances better. After all, everything you spend at this juncture has been earned through a lifetime
of hard work. So, give yourself another chance and live life anew.
14The Saving of Chander
AVM (Retd) Cecil Parker MVC VM
1. December of every year takes me back to 1971 and the Indo-Pak war. I was then a Wing
Commander in command of No. 20 Squadron AF equipped with Hunter MK 56A aircraft (ac) based
at Pathankot, and tasked primarily with counter air operations. My pilot's log book reminds me of
the sorties I personally led attacking PAF air bases at Peshawar, Mianwali, Murid, Chaklala, the
Attock Oil Refinery plus close air support in Chhamb and Poonch sectors. To this list should have
been added the PAF forward airfield at Chander; this anecdote will relate a little known story.
2. In the first week of Dec 71, Air Cmde LM Katre who had been sent to control air operations at
Pathankot, asked Wg Cdr Johnny Greene, the CO of No. 2 Squadron with a Gnat ac dett at
Amritsar, and myself to a confidential briefing in his office. He had been informed that the PAF
airfield at Chander had to be neutralized on a date and a time to be notified by higher authorities.
My squadron had been tasked to bomb the runway at Chander with eight ac each carrying 2 x 1000
lb penetration bombs. Tactically, in the relatively short distance to Chander, we were required to
climb to 10,000 ft, drop speed, get into line-astern about 1000 yds apart and deliver the bombs in a
steep dive along the length of the runway. Since we would be highly vulnerable, four Gnat ac would
give us top cover from Amritsar, which I would overfly en route the target and cover us for four
minutes over Chander before they would have to return to their base. For security purposes this
plan was referred to as Mission 548 and restricted to a few need-to-know individuals.
3. Johnny and I carried out a mutual briefing covering communication, codes, tactics and I
assured him that I would be over Amritsar 15 minutes before TOT (Time on Target). Midway
through the second week we received the date and TOT (1630) for Mission 548 which gave my
ground staff just enough time to provide 8 ( + 1 standby) ac armed as required. I had obtained
some very basic intelligence on the target (R/W orientation, elevation, layout etc) but I had a good
professional team both in the air and on the ground. As we taxied out and neared our own R/W at
1600 hrs, I asked for stream take-off in pairs but was told abruptly to 'Hold position'. I was deeply
concerned as we had nine ac sitting on the taxy track though two local Gnat ac were capping the
airfield for our take-off. Then came an authoritative voice on the radio, 'Cecil, Katre here, return to
your dispersal where I will be waiting for you'. We taxied back rapidly and over a cup of tea he
explained that he had just received a flash message to say that high level cease-fire talks were in
progress and meanwhile no offensive actions across the border were to take place after 1600 hrs.
4. In his book 'In the Ring and Standing' Air Cmde Kaiser Tufail of the PAF paid a compliment
to No. 20 Squadron with particular reference to our strike on Murid on 08 Dec 71 where the PAF
lost five ac on the ground. Though our RV (rendezvous) with the Gnats over Amritsar never took
place, on the suggestion of my pilots soon after the war, we, along with our families, drove down to
Amritsar, made our obeisance at the Golden Temple and gave thanks, though tinged with some
regret at the last minute cancellation of Mission 548 which saved Chander.
15Gp Capt (Retd) K Sangiah
1. The Russian supplied SAM II (Surface to Air Missile II) missile systems were inducted into
the IAF during the sixties. These were meant for point defence of important cities and defence
installations. (This is the same missile system which was used by the Russians to bring down the
American spy plane U-2 in the fifties over the Russian skies). The first combat crew for manning
these systems was trained by the Russian experts and subsequently the training was taken over
by the officers of the IAF. I underwent training as a Guidance Officer during 1970-71 and at the end
of the training was posted to No 64 Squadron.
2. The situation in East Pakistan was getting
disturbed because of the military crackdown after
the General Election which was won by Sheik
Mujibur Rahman. He was not allowed to take over
as the President of Pakistan though he had the
majority. We were to move to the Western borders
since there was a possibility of Pakistan attacking us
in the West. The Squadron was engaged in
intensive training and we moved to a place near Air
Force Station, Halwara in the month of November
1971.
3. It was the midnight of 3rd/4thDecember 1971 and my memories are still fresh. I was the
Guidance officer on duty. We were on 24 hours watch. We got the alert from WCP (Wing Command
Post) about a hostile aircraft approaching Halwara. We turned our Azimuth antenna towards the
azimuth given by WCP. We could not detect the aircraft since it was possibly flying at tree top level
in order to avoid Radar Detection. At that moment, the CFT (Chief of Firing Team) barged into the
Control cabin and informed that a minimum of10 aircrafts were approaching our site with the NAV
lights “ON”. The Commanding Officer, Wg Cdr Ponnappa who was well known for his coolness
under any situation went out of the cabin and looked in the direction of Halwara. He smiled and said
“Relax JCK, (the CFT Flt Lt JCK Nair) they are not aircrafts. They are the ack ack guns firing over
Halwara” and then rushed back into the control cabin.
4. By the time he returned to the cabin, the hostile aircraft was detected and it was being
tracked manually by the trackers. We could not open fire immediately since the aircraft was
beyond the firing range. Once the target came into the kill zone, the tracking was changed to “Auto”
mode and immediately thereafter, the Commanding Officer gave the firing order “Fire 3 Salvo 6”
which means three missiles are to be fired at an intervel of 6 seconds. I pressed the “Launch”
buttons one by one at an interval of 6 seconds. The missiles left the launchers and zoomed
towards the target. We could see the missiles taking off on the screen and exploding near the
16target blip. The target blip disappeared from the screen. The ‘Miss Values” were read on the
instruments as the missiles exploded and they were within limits. We reported “Target Destroyed”
to the WCP. Cheer and excitement were palpable inside the cabin.
5. However the next morning, Commanding Officer decided to go and search for the
wreckage of the hostile aircraft. No wreckage could be found. The villagers nearby confirmed that
they saw an aircraft in flames crossing over to Pakistan across the border. The same morning,
Pakistan Radio announced that their aircraft was hit by missiles over Halwara but the pilot could
limp back to their base safely.
6. What could have presumably happened was that the aircraft which was on the fringe of the kill
zone suffered only minor damage and the pilot could fly back to his base. However, we had the
satisfaction of firing three missiles on a hostile target for the first time and Pakistani fighters never
dared to visit the Western Sector again. Such was the power of deterrence of our missile arm of the
IAF.
HALF MARATHON AS PART OF CENTENARY
CELEBRATION OF LATE MARSHAL ARJAN SINGH
ON 14 APR 19 AT JAWAHAR LAL NEHRU
STADIUM, NEW DELHI
17DEFENCE PENSION IN A NUT SHELL
1. Retiring/Service Pension:- Minimum qualifying service
Ø Permanent regular Commissioned Officer:- 20 years
Ø Airmen :- 15 years
Ø NCs(E) :- 20 years
2. Retirement Gratuity:- Max ` 20 Lakhs.
3. Disability Pension:- Invalided with attributable disability
Ø Service Element:- Equal to retiring pension
Ø Disability element:- 30% of emoluments for 100% disability (20% or more disability)
4. Invalid Pension:- Invalided out of service with disability neither attributable to nor
aggravated by military service.
Ø 10 years or more service:- Invalid pension
Ø Less than 10 years service:- Invalid gratuity
5. War Injury Pension on Invalidment:- Invalided out in category ‘E’
Ø Service Element:- Equal to retiring pension.
Ø War Injury Element:- Last emoluments 100% disablement, reduced proportionally for
lower disability.
6. Ordinary Family Pension (OFP):- Minimum ` 9000/- as per hierarchy of family pension
Ø Widow
Ø Son/daughter up to 25 years in order of date of birth
Ø Handicapped child under income criteria
Ø Unmarried/widowed/divorced daughter up to marriage/re-marriage/income criteria
Ø Widowed/divorced daughter over 25 years wef 25.08.2004
Ø Unmarried daughter over 25 years wef 06.09.2007
Ø Mother and then father (dependent) subject to income criteria
7. Enhanced rate of OFP:- Death in service or after retirement with not less than 7 years of
qualifying service
Ø Death in service:- For 10 years.
Ø Death after retirement:- 7 years from the date of death or 67 years whichever is earlier.
8. Special Family Pension (SFP):- Death during service or within 7 years of discharge
attributable to military service. 60% of emoluments and minimum of ` 18000/- pm.
9. Liberalised Family Pension (LFP):- Officer/ Airmen/ NCs(E) died in action/ Category
‘D’ and ‘E’, rate equal to last pay.
10. Ex-Gratia lump-sum compensation:- Payable to family of the Officer/ Airmen/ NCs(E)
who dies in harness in the performance of their bonafide official duties.
Ø̀ 25 lakhs - ` 45 lakhs under different circumstances.
11. Commutation of Pension:- 50% of pension can be commuted for a lumpsum
Ø Recovery for 15 years.
Ø Thereafter Pension Disbursing Agency i.e. Bank/DPDO has to restore full pension
automatically.
Dearness Relief is payable on full pension irrespective of the amount of commutation.
18REVISION OF RATION MONEY ALLOWANCE
Ref: MoD GoI letter No. PC-12045/Q/ST6/(Common Ration)/1411/D(QS)/2019 dated 04 Apr 19
1. Ration Money Allowance (RMA) and Special Rate of Ration Allowance (SRA) in lieu of
ration in kind for all Ranks of the three services (Army, Navy, Air Force) including Officers,
Airmen and NCs(E), has been revised as mentioned below:-
Financial Year Ration Money Allowance (RMA) Special Rate of Ration Allowance
(Per man/day) (SRA) (Per man/day)
2015-16* ` 97.85 ` 195.70
(promulgated earlier vice GoI letter
dated 11.08.2016)
2016-17 ` 113.67 ` 227.34
2017-18 `116.59 ` 233.18
2018-19 ` 117.29 ` 234.58
2. *The Officers posted in Peace Area shall continue to draw RMA @ ` 97.85 per officer per
day with effect from 01.01.2016 to 31.03.2016. However, the Officers who have already drawn
ration in kind will not be entitled for RMA for/upto that particular period.
3. Those affected Veterans who have retired during the financial year 2015 to 2019,
may approach their last Unit or Posted Unit during the subject period for necessary
payment of RMA/SRA arrears.
CASUALTY PENSIONARY AWARDS FOR DEFENCE FORCES
PENSIONERS & FAMILY PENSIONERS IN ACCORDANCE WITH
7TH CPC WEF 01.01.2016
Ref: MoD GoI letter No. 16(3)/2017/D(Pen/Policy) dated 29 Jan 19
O/o the PCDA (P) Circular No. 618 dated 13 Mar 19
1. The Disability/Liberalized Disability/War injury pension (i.e. total of service element plus
disability/ liberalized disability/ war injury element as the case may be), shall be subject to
minimum of ` 18,000/- per month irrespective of degree of disability of the personnel.
2. The amount of Special Family Pension, admissible to the families of Armed Forces
personnel, shall be subject to minimum of ` 18,000/- per month.
3. The amount of Liberlized Family Pension, admissible to the child/children of the Armed
Forces personnel, shall be subject to minimum of ` 18,000/- per month.
REVISION OF 'GARIMA' GRANT FOR DECENT LAST RITES BY IAFBA
Ref: IAFBA letter No. Air HQ/26076/119/IAFBA/Accts dated 11 Mar 19
1. During the Executive Committee Meeting of IAFBA held on 19 Feb 19, the monetary
value of 'GARIMA', grant for decent last rites has been enhanced from ` 7,500/- to ` 10,000/-,
with effect from 01 Apr 2019.
2. The grant is initially paid by the SI of the nearest Air Force Unit to the widow/ NoK and
subsequently reimbursed by IAFBA.
19PROGRESS OF RANK PAY ANOMALY: OFFICERS
(MAJ DHANAPALAN'S CASE PHASE I & II)
Ref: Dte AV letter No. Air HQ/99797/MDC-II/NE/DAV dated 20 Feb 19
1. Consequent to the Supreme Court Order on Rank Pay anomaly (MDC), DAV has
processed the re-fixing of pay and allowances of the retired officers holding the Rank of Flt Lt to
Air Cmde as on 01 Jan 86 and 01 Jan 96.
2. In this process relating to revision of pay and allowance, DAV has processed 7910 (appx)
cases in Rank Pay anomaly Phase-I (as on 01 Jan 86) and 5521 (appx) cases in Phase-II (as on
01 Jan 96). However, it is noted with concern that despite all out efforts (through vide publicity on
WEB as well as interactions with Veterans through Air Force Association etc), there are a large
number of cases, wherein, details from Air Veterans/Family Pensioners/ Dependents are still
awaited. List of 872 such cases have been identified wherein the arrears are held up due to non-
receipt of the required documents. List of such Officers along with proforma is uploaded on DAV
website www.iafpensioners.gov.in. It is requested to advice such Veteran Officers or their Next-
of-Kin (in case of demise) to approach DAV for their claim. The payment is subject to audit by
JtCDA (AF).
GLOBAL INSTITUTE OF TECHNOLOGY & MANAGEMENT, GURGAON
ADMISSION TO THE WARDS OF SERVING & RETIRED AIR FORCE
PERSONNEL IN TECHNICAL/ PROFESSIONAL DEGREE & POST
GRADUATE COURSE IN THE ACADEMIC SESSION 2019-20
Global Institute of Technology and Management, Farrukhnagar Gurgaon, has come up
with a scheme for providing admission to the wards of Air Force personnel (serving & retired) in
the Professional Courses by keeping seats reserved with special discounted/ scholarship fee
structure for the academic session 2019-20. Admission will be given on first come, first serve
basis, subject to fulfilling the eligibility criteria. For more information, log on to
www.gitmgurgaon.com.
ANNOUNCEMENT ON BOARD THE AIRCRAFT CARRYING
MORTAL REMAINS OF SOLDIERS PRIOR TO TAKE-OFF
Ref: Air HQ (VB) letter No. Air HQ/99706/Org (Cer) dated 10 Dec 18
Directorate General of Civil Aviation (DGCA) has issued instructions to all airlines for
announcement, to be made prior to take-off, in respect of carriage of mortal remains of soldiers
on board. Annexure 'B' available at www.dgca.nic.in, is to be provided to the Captain of the
aircraft by respective formation as and when mortal remains are airlifted.
IMPLEMENTATION OF 'ONE RANK ONE PENSION' (OROP) TO ALL
PRE-01.06.1953 DEFENCE PENSIONERS AND THEIR FAMILIES
Ref: O/o the PCDA (P) Circular No. 622 dated 03 Apr 19
PCDA(P) vide this Circular has clarified that OROP rates of Ordinary Family Pension (OFP),
Special Family Pension (SFP), 2nd life award of SFP, Liberalized Family Pension (LFP), 2nd life
award of LFP, Disability/Liberalized disability element for 100% disability, War Injury Element for
100% disability (Invalid out cases) meant for Post-1953 retirees JCOs/ORs of Regular Army of
Group 'Y' will be allowed to the families of Pre-1953 retirees under OROP Scheme.
20MARSHAL OF THE AIR FORCE & MRS. ARJAN SINGH TRUST
1. The Marshal of the Air Force & Mrs. Arjan Singh Trust was established on 22 Sep 2004.
Over the years the Trust has disbursed financial grants of ` 2.76 crores to financially distressed
and needy.
2. The objective of the Trust is to provide grant/ assistance to members of the Air Force
Association and serving Air warriors up to the rank of JWOs including NC(E) and DSC, and also
their widows/dependents to meet their emergent requirement for which no financial assistance
is be available from any source.
3. A few scholarships, as mentioned below, are also being disbursed by the Trust:-
(a) Eight scholarships for under graduate professional courses of ` 25,000/- pa for
the wards of serving air warriors up to the ranks of JWOs which also includes wards of
DSC personnel and NCs(E). In case of equal position, priority will be given to girl child.
(b) Fifteen scholarships for under graduate courses of ` 15,000/- pa for the
daughters of serving NCs(E) and DSC personnel.
4. Forms for the financial grant/scholarship can be downloaded from the website of Air
Force Association i.e. www.afa-india.org/welfare/Marshalof the AF & Mrs Arjan Singh Trust.
5. The Trust grants financial assistance to the needy and deserving and also collects
donations from generous donors. Donations can be contributed for the noble cause of the Trust
and the cheques/drafts which can be forwarded in the name of “Marshal of the Air Force & Mrs
Arjan Singh Trust” C/o Air Force Station, Race Course, New Delhi- 110 003. The money can
also be transferred electronically to Central Bank of India, Account No. 3011972927 and IFSC
Code No. CBIN0283463 and MICR No. 110016070 for which there is a tax exemption of 50%
under Section 80G (5) of the Income Tax Act 1961.
For more details, please contact: - Marshal of the Air Force & Mrs Arjan Singh Trust
Air Force Station, Racecourse Camp, New Delhi - 110003
Phone – 011-23010231/7358, 23013649, AF Net – 21137358
NON COMMENCEMENT OF FAMILY PENSION BY PENSION
DISBURSING AGENCY IN CASE OF JOINTLY NOTIFIED IN PPO
Ref: Para 36.1 to 36.6 of Defence Pension Payment Instructions 2013 (DPPI-2013)
issued by O/o the PCDA (P), Prayagraj
1. With a view to avoid delay in grant of family pension to the spouse of the veterans on
their demise after retirement, the name of the spouse was started to be jointly
notified/endorsed in the initial PPO issued to the veteran while proceeding on retirement.
However, this Directorate is in receipt of numerous representations from widows, wherein their
Bank/DPDO are asking for Corrigendum PPO in their name even when their name is jointly
notified in the initial PPO.
2. Reference is made to Para 36.1 to 36.6 of DPPI-2013 issued by O/o the PCDA (P),
wherein it is clearly stated that, in case of jointly notified PPO, the family pension should
be granted immediately to the spouse of the pensioner on receipt of her request on a
plain paper duly supported by the death certificate of the pensioner. However, due
measures for identification of the family pensioner will be adopted by the Bank/DPDO before
commencement of family pension.
21FILING COMPLAINTS UNDER BANKING OMBUDSMAN SCHEME
1. The following procedural aspects which need to be considered and fulfilled when you
raise a complaint with the Office of Banking Ombudsman:
(a) The complaint is against a commercial bank, scheduled urban cooperative bank
or a regional rural bank for deficiency of certain services specified in the Banking
Ombudsman Scheme. Please note that complaints against NBFCs, Housing Finance
Companies, Insurance Companies and Mutual Funds do not come under the purview of
Banking Ombudsman Scheme.
(b) A written representation to your bank should be made first. A complaint with
`
Banking Ombudsman Office can be made if the bank has either rejected the complaint
or did not respond to your complaint within 30 days or if you are not satisfied with the
reply of the bank.
(c) You are within the jurisdiction of the Banking Ombudsman. In case of the Banking
Ombudsman, New Delhi, the jurisdiction covers Delhi.
(d) If your bank branch is located within the jurisdiction indicated above or in case of
credit card or other centralized account related complaints, your billing address is within
the jurisdiction indicated above, you may please file the complaint online by accessing
the link i.e. https://secweb.rbi.org.in/BO/precompltindex.htm
(e) While filling in the details please ensure that:
(i) The name, address, mobile number and email id are also mentioned.
(ii) The name and address of the branch or office of the bank against which
the complaint is made.
(iii) The facts giving rise to the complaint.
(iv) The nature and extent of the loss cause and relief sought for.
(f) Enclose documents in support of your complaint in pdf or txt form. However if
your complaint is previously decided by or is pending before any Court, Tribunal or
Arbitrator or any other forum or has been decided by the Banking Ombudsman in any
previous proceeding, the complaint cannot be maintained.
(g) You may also choose to file your complaint in writing through a letter or by
sending an email to the address or email id to The Banking Ombudsman, C/o Reserve
nd
Bank of India, 2 Floor, 6, Sansad Marg, New Delhi- 110 001. Email-
bonewdelhi@rbi.org.in, Phone No:- 011-23725445.
(h) Though there is no time frame for disposal of complaint under the Banking
Ombudsman Scheme, a decision upon the complaint may be intimated within a period
of 90 days from filing the complaint.
22SOME DOs & DON'Ts FOR ALL ATM/ DEBIT/ CREDIT CARD
USERS
1. Do not sign your credit card application in blank. Read and fill carefully. Study the terms
and conditions (including the fine print, if any) carefully relating to use of card.
2. Sign on your card as soon as you get it.
3. Accept only a credit card limit that can be serviced comfortably within your source of
income. Please remember higher the limit, higher the risk involved.
4. Note carefully the circumstances that will attract payment of interest, penalty, service
charges etc in case of credit card.
5. Never lend your card or give your PIN to anyone else.
6. Protect the three digit CVV number on the reverse of the credit card/ debit card.
7. Never respond to e-mail, website or phone enquiries that request you to provide your
card details and other secure information.
8. In case of loans/ insurance cover offered unsolicited, immediately notify the card issuer
in writing against acknowledgment, if you do not intend to accept them.
9. Register your mobile number and email id for transaction alerts and notify changes, if
any immediately.
10. Change of address, if any, should be informed immediately.
11. Always be aware of anyone around you when using your card at ATM.
12. If your card ever gets stuck in the ATM, do not reveal your PIN even to the concerned
official. It would suffice to let him know that your card has got stuck in the ATM.
13. If cash is not dispensed from an ATM due to power failure, wait for some time, the cash
may come out when power resumes.
14. When card is handed over for swiping at the time of purchase, make sure that card is
within your sight (particularly in a restaurant or a petrol pump station).
15. Save receipts/ charges-slips and compare them to billing statements.
16. If monthly statement is delayed, inform immediately. You may also opt for e-statement.
17. You can access other channels for knowing the balance outstanding, minimum
payment due and due date to avoid non-payment or delayed payment, which attracts
penalties or charges.
18. Remember that if you pay only the minimum amount due, the card account would
attract finance charges on your future purchases from day one.
19. Loss/theft of card should be immediately notified to the card issuer and FIR should be
lodged with the Police as per terms and conditions of the card.
20. Any settlement through collection agents in case of credit card should be made only
against the authorization by the card issuer and against proper acknowledgement.
21. Complaints about unresolved grievances relating to cards may be submitted to the
Banking Ombudsman of your jurisdiction, one month after taking up the matter with the card
issuer in writing.
23LIST OF SURPLUS/ VINTAGE MEDALS
Ref: Dte PA, Air HQ letter No. Air HQ/40278/1/PA(CPC)
dated 07 Feb 19
1. Directions have been received to dispose off surplus/ vintage medals either by placing
them in Museums or by issuing the same to the authorized Air Veterans. The list of
surplus/vintage medals available at AFRO {RW(H&A)} is as follows:-
Sl No. Name of Medal Quantity
1. 1939-45 STAR 10
TH
2. 25 A.I MEDAL 286
TH
3. 50 A.I MEDAL 5183
4. AFRICA STAR 10
5. ATLANTIC STAR 10
6. BURMA STAR 10
7. DEFENCE MEDAL 20
8. G.S.W W/C GOA-1961 197
9. G.S.M W/C MIZO HILLS 9
10. G.S.M W/C NEFA-1962 21
11. G.S.M W/C LADAKH-1962 20
12. G.S.M W/C J&K 17
13. I.C.S.C MEDAL 21
14. INDIA INDEPENDENCE MEDAL 19
15. INDIA SERVICE MEDAL 17
16 ITALY STAR 10
17. OP VIJAY MEDAL 13739
18. OP VIJAY STAR 2400
19. PACIFIC STAR 10
20. PARAKRAM PADAK (WOUND) 54
21. SAINYA SEVA MEDAL W/C ARUNACHAL 111
22. SAINYA SEVA MEDAL W/C HIMALAYA 211
23. SAMANYA SEVA MEDAL W/C MIZORAM 564
24. SAMANYA SEVA MEDAL W/C TIRAP 36
25. SAMAR SEVA STAR 2
26. SANGRAM MEDAL 91
27. SPL W/C SRILANKA (OPS PAWAN) 629
28. VIDESH SEVA MEDAL U.A.R 181
29. VIDESH SEVA MEDAL W/C ANGOLA 89
30. VIDESH SEVA MEDAL W/C BOTSWANA 120
31. VIDESH SEVA MEDAL W/C COMBODIA 34
32. VIDESH SEVA MEDAL W/C ANTARTICA 2
33. VIDESH SEVA MEDAL W/C COSTA RICA 7
34. VIDESH SEVA MEDAL W/C EL SALVADOR 5
35. VIDESH SEVA MEDAL W/C ETHOPIA 285
36. VIDESH SEVA MEDAL W/C GHANA 2
37. VIDESH SEVA MEDAL W/C GUATEMALA 7
38. VIDESH SEVA MEDAL W/C HONDURAS 7
24Sl No. Name of Medal Quantity
39. VIDESH SEVA MEDAL W/C INDO-CHINA 32
40. VIDESH SEVA MEDAL W/C IRAQ 8
41. VIDESH SEVA MEDAL W/C IRAQ-KUWAIT 6
42. VIDESH SEVA MEDAL W/C KOREA 20
43. VIDESH SEVA MEDAL W/C LIBERIA 5
44. VIDESH SEVA MEDAL W/C MALACCA 51
45. VIDESH SEVA MEDAL W/C MALAYSIA 11
46. VIDESH SEVA MEDAL W/C MOZAMBIQUE 156
47. VIDESH SEVA MEDAL W/C NEPAL 51
48. VIDESH SEVA MEDAL W/C NICARAGUA 2
49. VIDESH SEVA MEDAL W/C NIGERIA 5
50. VIDESH SEVA MEDAL W/C OMAN 93
51. VIDESH SEVA MEDAL W/C QATAR 7
52. VIDESH SEVA MEDAL W/C RWANDA 135
53. VIDESH SEVA MEDAL W/C YEMEN 10
54. VIDESH SEVA MEDAL W/C ZAMBIA 5
55. VIDESH SEVA MEDAL W/C UNAMSIL 145
56. VIDESH SEVA MEDAL SOMALIA 24
57. VIDESH SEVA MEDAL INDONESIA 1
58. WAR MEDAL (GEORGIVS) 28
59. OP PARAKARAM 27749
TOTAL 52990
PAYMENT OF ADDITIONAL QUANTUM OF PENSION TO OLD
PENSIONERS
Ref: O/o the PCDA (P) Circular No. 209 dated 14 May 19
1. Representations are being received from various Pension Disbursing Agencies (PDAs)
seeking clarification as to from which date payment of additional quantum of pension to the
armed forces service pensioners on attaining age of 80 years and above will be paid in cases
where age shown in the PPO varies with the exact date of birth mentioned in the office records.
2. PCDA(P) vide this Circular has advised that in such cases where pensioner is not
satisfied or PDA is not sure regarding date of commencement of additional pension, the cases
may be forwarded to DAV which in turn will take up the case with respective Pension
Sanctioning Authority for issuing Corrigendum PPO for making necessary amendment.
PLEASE NOTE
ALL THE CORRESPONDENCE RECEIVED AT THIS DIRECTORATE
MUST BEAR THE COMPLETE POSTAL ADDRESS OF THE SENDER,
CLEARLY MENTIONING THE PIN CODE /POST BOX NUMBER AND
CONTACT MOBILE NUMBER FOR EXPEDITIOUS RESPONSE AND QUERY
RESOLUTION.
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ikfjokfjd isa'ku ds ;ksX; gSa tks vU; 'krs± iwjk djrh gksa ;fn l{ke U;k;ky; us muds ekrk o
firk esa ls fdlh ,d ds thou dky esa rykd dk fu.kZ; fn;k gksA
2- ljdkj dks f'kdk;rsa feyh gSa fd rykd çkIr djus dh dk;Zokgh ,d yEch çfØ;k gS
ftlds iwjs gksus esa dà o"kZ yx tkrs gSaA ,sls dà ekeys lkeus vk, gSa ftlesa ljdkjh deZpkjh
isa'ku Hkksxh dh csVh us ekrk&firk nksuksa ds ;k fdlh ,d ds thfor jgrs gh rykd dh vtÊ
l{ke U;k;ky; esa nkf[ky dh Fkh ysfdu rykd ds vafre vkns'k vkus rd nksuksa esa ls dksà Hkh
thfor ugÈ FkkA
3- ekeys dh tk¡p dh xà vkSj j{kk ea=ky; ds i= fnukad 17 uoacj 2017 ds ekè;e ls ;g
fu.kZ; fy;k x;k gS fd lSU; dÆe;ksa dh mu csfV;ksa dks ikfjokfjd isa'ku dh lqfoèkk nh tkuh
pkfg, ftUgksaus l{ke U;k;ky; esa ekrk&firk ds ;k nksuksa esa ls fdlh ,d ds thou dky esa
rykd dh vtÊ nk;j dj nh gks vkSj rykd dk vafre vkns'k mudh e`R;q ds i'pkr~ vk;k gks--
c'krsZ fd nkosnkj ikfjokfjd isa'ku ikus ds vU; lHkh 'krks± dks iwjk djrk gksA ,sls ekeyksa esa
ikfjokfjd isa'ku rykd dk vkns'k feyus ds fnu ls ykxw ekuk tk,xkA
WHATSAPP FORUM FOR SHORTLY
RETIRING AIR WARRIOR
SERVICE PERSONNEL BELONGING TO BILASPUR, KORBA, JANJGIR CHAMPA
& MUNGELI DISTRICTS OF CHATTISGARH & LIKELY TO RETIRE WITHIN ONE
YEAR, MAY FORWARD THEIR NUMBER, RANK, NAME, UNIT AND WHATSAPP
MOBILE NO TO 9650035544 FOR REGISTERING IN ARMY EMPLOYMENT
GROUP TO AVAIL JOB OPPURTUNITIES IN THIS REGION
26INDIAN AIR FORCE
PLACEMENT CELL
1. A DGR ESM Employment Seminar was held at Kolkata on 27 Feb 19 under the aegis of
Indian Army. Team of IAFPC, Dte of AV represented IAF. 25 Corporate participated in the seminar
and put forth 3015 vacancies for 1898 Veterans.
2. Footfall from three services:
OFFICER 30
AIRMEN/ NCs(E)
Army 1556
Air Force 220
Navy 92
TOTAL 1898
3. At the initiative of IAFPC,following Corporates participated in the Job seminar at Kolkata
besides the Corporates sponsored by DGR, with vacancies as shown against each:-
Sl No Company Name Location
(a) GMR Hyderabad
(b) Muthoot Finance Ltd Pan India
(c) ICICI Bank Ltd Pan India
(d) Haldia Energy Ltd Haldia, WB
DAV STAFF OF PLACEMENT CELL CONDUCTING SKILL MATCHING SESSION DURING DGR JOB FAIR
HELD AT KOLKATA ON 27 FEB 19
27AIR FORCE WIVES WELFARE ASSOCIATION
BENEFIT FOR DECEASED AIR FORCE PERSONNEL
Sl Scheme Officers Airmen NCs(E) Details
No.
1. Ex-gratia Grant of Paid by AFWWA (L) of last
Widows Rehabilitation ` 25,000/- ` 25,000/- ` 25,000/- serving unit/station to a
(AFWWA Pension and Lumpsum Lumpsum Lumpsum widow whose husband dies
Ex-gratia merged) while in service. If both
- Death in Service parents expire in any
casualty the grant would be
extended to eldest child.
2. Wedding Grant to ` 10,000/- ` 10,000/- ` 10,000/- To one child of a widow
children of Widow Lumpsum Lumpsum Lumpsum whose husband dies while
- Death in Service in service. The grant would
be extended to one son if
there is no girl child in the
family.
3. Rehabilitation grant — — `10,000/-
to widows of NCs(E) Lumpsum Widows of those NCs(E)
- Death in Service who die while in service.
4. Medical Assistance ` 15,000/- ` 15,000/- ` 15,000/- One time grant to AFWWA
(Grant to wives of Lumpsum Lumpsum Lumpsum member whose husband is
medically boarded boarded out on medical
out AF Personnel) grounds not attributable to
service. Paid by AFWWA (L)
of last serving unit/station.
5. Grant for Dwelling ` 60,000/- ` 40,000/- ` 40,000/- A housing subsidy of ` 6 lakh
Unit to widow Lumpsum Lumpsum Lumpsum for widows of officers and `
- Death in Service 4 lakh for widows of Airmen/
NCs(E) is provided from
Non-Public Funds (10% will
be borne by AFWWA) to
those who acquire dwelling
unit from all the sources viz.
AFNHB/ AWHO/ Civil
housing agencies including
private builders and for self-
construction. Air Force
personnel killed in accident
while in service from
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