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September 2012 E SAMVAD

Latest Developments in our Writ Petition (Civil) No.184 of 2011It has been advised by our Federation vide its Circular Letter No.18 dated 22nd August

2012 that the hearing of our above writ petition is now listed to take place on 9th January2013. The particulars of the status of our above writ petition displayed in the web-site ofSupreme Court of India are furnished below for the information of members.

Case Status : PENDINGStatus of Writ Petition (Civil) 184 of 2011

Federation of SBI Pensioners Asson & ORS Vs Union of India & ORSPet. Adv. : Mr. E.C.Vidya Sagar Res. Adv. : Mr. Sanjay KapurSubject Category : Service Matters - Retiral BenefitsListed 6 times earlier. Next Date of listing is : 09/01/2013

2. It is further advised that our Federation has requested our Advocate to examine thedesirability of mentioning before the Judges for the early posting of the hearing of our WritPetition. Our Advocate is of the opinion that the listing of our case on 9th January 2013 forfinal disposal is not a delayed one, considering the pendency of the various cases. hehowever said that he would consider mentioning before the Judges in consultation with ourSenior Counsel.

Federation of State Bank of India Pensioners' AssociationsCircular Letter No. 17/2012 to all Affiliates dated 21-08-2012

Dear Sir,Sub : Developments in our Writ Petition No.184

In continuation of our Circular Letter No. 12/2012 dated 14-07-2012 the hearing of our abovewrit petition scheduled to be posted on 8th August, as per the Advance List published in the web-siteof Supreme Court of India, did not take place. In the final Cause List for 8th August 2012 released onthe evening of 7th August 2012, the above case was not posted for hearing on 8-8-2012. We understandfrom our Advocates that the Hon'ble Senior Judge, who is hearing our case, is a member of theConstitution Bench, hearing the 2G case. Our case is expected to be posted for final disposal shortlyafter the conclusion of the sitting of this Constitution Bench. We shall keep you advised of thedevelopments.

Yours sincerely, Sd/-

General Secretary(P. P. Sankaranarayana Murthy)

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September 2012 E SAMVAD

S.B.I. PENSIONERS' ASSOCIATION (MUMBAI CIRCLE) PUNEPROCEEDINGS OF THE 38TH ANNUAL GENERAL MEETING

HELD AT PUNE ON 19TH JULY 2012In terms of Notice Dt.15th June 2012 published in 'Samvad' for the month of June 2012, the

Annual General Meeting of the Association was held at 'Harshal Hall', 153, Karve Road, KasatChemicals Compound, Pune 411029, at 10.00 A.M. Shri. V. M. Gokhale our President was in thechair. Around 1250 members including family pensioners and Associate members from all overMaharashtra and Goa attended the meeting.

Shri. M. M. Sirdeshmukh, Jt. Secretary of the Circle Association, extended a warm welcome toall and invited the office bearers of the Circle Association and Shri. B. G. Dandekar, Advisor to theFederation, to occupy their seats on the dais. After welcome, Shri. Sirdeshmukh requested Shri. V. M.Gokhale, Circle President and other dignitaries to light the auspicious traditional lamp. Besides Shri.Gokhale and Shri. Dandekar, Sarvashri P. M. Narkar (Goa), S. B. Gokhale (Mumbai), Sahebrao Desai(Aurangabad), L. G. Gandhi (Pune) all Vice Presidents, R. N. Lalingkar, Secretary, M. M. Sirdeshmukh,Jt. Secretary, D. A. Kulkarni, Treasurer, graced the dais. Shri. Dattatraya Bendre from Solapur rendereda devotional song; he was accompanied on harmonium by Shri. Ashok Pandit.

At this stage, Shri. C. P. Kulkarni, Secretary of Pune Zonal Sub Centre, presented a bouquet toShri. B. G. Dandekar. Meanwhile, Shri. V. D. Deshpande, President, Nagpur Zonal Sub Centre, arrivedon the dais. He was cheered by the audience.

Shri. Lalingkar, after welcoming all the participants, announced the names of the following personswho conveyed their good wishes for the success of the meeting:-

Shri.J.N.Mishra, Chief General Manager, Mumbai LHO; Shri.Riten Ghose, General Manager(N.W.-II); Shri. P.P.S.Murthy, General Secretary of the Federation, Shri. N. K. Jain, President, BhopalCircle Association; Dr.A.A.Bandodkar, Chief Medical Officer (Panaji Module); Sarvashri Dilip Thatte(U.S.A.), Anand Bhave (presently abroad), Rambhau Chandorkar, C. N. Vazirani and Kaushik Popat(all from Nagpur), Vikas Moharir (Aurangabad) and Dayanand Shashtri and Makarand Deshpande(Both from Pune).

Shri. V. M. Gokhale, President, expressed his happiness over the large gathering of the members.He extended a warm felicitation to Shri. Dandekar who has entered the Silver Jubilee year of hisdedicated service to the Association and secondly for his deep involvement in organising the SupremeCourt case which has almost reached its concluding stage. However, his grand felicitation in truesense will be organised only after the judgment of the Supreme Court which is expected in few monthsperiod.

Shri. Gokhale advised that Shri. P. P. S. Murthy, General Secretary of the Federation, was keento attend today's A.G.M. However, presently he is busy with the presentation of the Supreme CourtCase which is scheduled to come up for hearing w.e.f. 8th August 2012 and for this, his presence inDelhi is necessary.

Shri. Gokhale further advised that Shri.E.K.Thakur had also expressed his strong desire to attendthis AGM, in his letter dt. 14th May 2012 appeared in 'Samvad' for June 2012. However, he underwenta major surgery in May 2012 and is still in convalescent stage. Shri. Gokhale also recalled his 40years' association with Shri. E. K. Thakur as well as Shri. Thakur's deep affection for the Association.At the request of Shri. Gokhale, the House whole heartedly observed silence for few minutes andprayed God for speedy recovery of Shri. E. K. Thakur.

In his reply to the felicitation, Shri. Dandekar confirmed that barring the exception of last year's

4

September 2012 E SAMVADA.G.M. at Satara, he has attended all the A.G.M.s of the Association since 1988. As regards the workrelating to Supreme Court Case, he expressed that he had not done this single handedly. It has beena joint effort in which Mumbai Circle Association has contributed a lion's share. He further praised therole played by Sarvashri V. M. Gokhale, S. B. Gokhale, Khare, Pusalkar and other colleagues in thisherculean task and thanked all of them.Agenda item No.1 - To condole the death of members / family pensioners / associate memberswhose names have been reported to us after 31st July 2011 :

The names of the deceased members have been published in 'Samvad' for June 2012. Shri.Lalingkar requested all the members to stand for few minutes to pay respect to the departed souls. Allthe members stood in silence and paid homage to the departed souls. At this stage, Shri. Dandekarinformed the house about the recent and sad demise of Shri. R. N. Godbole, President of BangaluruCircle Association and Shri. N. S. Dhamoon, General Secretary of Chandigarh Circle Association,both of whom have contributed largely to the pensioners' movement. He paid homage to both of them.Agenda item No. 2 - To confirm the Minutes of the last Annual General Meeting held at Sataraon 31st July 2011, which were printed in 'Samvad' for March 2012 :

Shri. Lalingkar, Secretary, told the House that minutes of the Annual General Meeting dt. 31stJuly 2011 held at Satara had been printed in 'Samvad' for March 2012. He tabled the minutes beforethe house and requested the members to adopt the same. If anybody has any suggestion for addition/deletion therein, he/she should come forward to put his/her say before the House. However, therewere no suggestions from anybody. The house thereafter confirmed the minutes unanimously.Agenda item No. 3 :- FelicitationsA) Greeting those members whose birthday fell on the day of the meeting i.e. 19th July :Shri. C. P. Kulkarni read out a long list of members whose birthday happened to be on 19th July.However, only the following four members came forward and were greeted by the President withflowers :- Sarvashri Chandrakant Deshpande, Deepak Bengali, Arvind Bendre and ChandrakantBendre.B) Winners of writing competition arranged by 'Samvad'

The Editorial Board of 'Samvad' had announced the annual competition of writing articles on thesubjects given in 'Samvad' for January 2012 and the names of the winners who participated in thecompetition were declared in 'Samvad' for May 2012. Shri. Prabhakar Gupchup, Member of theEditorial Board, requested the President to give away the prizes to the winners.

Out of six winners, Gents : 2nd Prize winner Shri. Balasaheb Kulkarni (Ahmednagar), 3rd Prizewinner Shri. Brijlal Naik (Pune).

Ladies : 1st Prize winner Smt. Sampada Wagle (Thane) and 3rd Prize winner Smt. Kartiki Kale(Borivli) were present and were felicitated by the President.C) Felicitation of office bearers of Vyankatesh Urban Coop. Credit Society Ltd., Dhule :

Three SBI Pensioners established the above society at Dhule in 2001 and its excellentperformance during the last five years was recognized in the International cooperatives conferenceheld at Shirdi recently where Shri. Prithviraj Chavan, Chief Minister, Maharashtra State, presented tothe society "Deepastambh" Award for its great achievements within a short period. The society functionsfrom its own spacious building, has secured 'A' class for seven years in Co-op. Department's Audit,enjoys zero NPA status and has been paying 15% dividend to its shareholders since inception.Sarvashri Ashok Joshi, President, Rajaram Jadhav and Ganpat Kasar, Directors were felicitated by

5

September 2012 E SAMVADShri. V. M. Gokhale, President for their noteworthy contribution for social cause in their post-retirementera. Shri. Joshi thanked the Association for felicitating them.D) Shri. Lalingkar disclosed that Shri. Eknath Thakur had donated Rs. 1,11,111/- to our Association.According to the desire expressed by Shri. Eknath Thakur, out of the interest amount earned on thisinvestment, a prize known as 'Shri. N. G. More Service Award' will be awarded annually to the bestactivist working in the Association's Nagpur Zonal Sub Centre Area. For this year, the prize amount ofRs. 5,000/- each was awarded to the following members at the hands of our President :-

i) Shri. Avadhoot Rothkar - Wardha,ii) Yadav Bhogaonkar - Amravati.

Both the members thanked the Association.Agenda item No. 4 :- To present the "Late Shri. L. N. Pabalkar Memorial Gold Medal" to Shri.M. K. Bapat, Pune :

Shri. M. D. Palkar compeered this programme. He informed the house that "Late Shri. L. N.Pabalkar Memorial Gold Medal" is a prestigious Award introduced by our Association since 1999 forthe member who made invaluable contribution towards strengthening our Association. This year themedal is being awarded to Shri. Madhav Kashinath Bapat of Pune. Shri. Bapat has been activelyinstrumental in sending birthday greetings to our members for the last 11 years. Every month, Shri.Bapat has been sending these greeting cards and at present the number stands at 1100 to 1200 permonth. In this process, Shri. Bapat, established a novel communication channel between theAssociation and the members which has greatly helped in developing a strong bond between thetwo. On receiving the greetings, a large number of members including Associate members / FamilyPensioners are expressing their deep gratitude for experiencing touching moments. A good numberof members have been appreciating this gesture by sending letters to the Association alongwithdonations. Shri. Palkar read out the "Scroll of Honour" and wished Shri. Bapat a long and contendedlife. Shri. Bapat was felicitated by Shri. Gokhale, President by offering him the Gold Medal, Scroll ofHonour, Shawl, Shriphal, Bouquet and sweets. On this occasion, Mrs. Vijayatai Bapat was alsofelicitated at the hands of Smt. Rekhatai Kulkarni, a family pensioner, by offering her shriphal andbouquet.

The entire house cheered Shri. Bapat for his dedicated work in a loud applause. Shri. Gokhalepraised the services rendered by Shri. Bapat.

Shri. Bapat in his reply thanked the Association for his felicitation. He also expressed his deepgratitude towards his wife, Mrs. Vijayatai, his son Shri. Vinayak, daughter-in-law Mrs.Vaishnavi andtwo colleagues from his housing society who were helping him in this gigantic task.Agenda Item No. 5 :- To approve the audited Financial statements for the year ended 31stMarch 2012 :A) Shri. Lalingkar requested Shri. D. A. Kulkarni, Treasurer of Circle Association, to present theFinancial Statements for the year 2011 - 12. Shri. D. A. Kulkarni tabled the audited financial statementsfor the year ended 31st March 2012 which were published in 'Samvad' for the month of June 2012.He read out certain corrections in the 'Notes on Financial Statements' elaborating the variances inthe various items over the last year's figures. He requested the House to adopt the same. Since noobjections were raised, the financial statements were approved unanimously by the House.B) At this juncture, Shri. V. D. Deshpande, newly elected President of Nagpur Zonal Sub Centre,expressed his thoughts about the elections of the Association. On arriving at the venue of the A.G.M.,he came to know that election was to be contested only for the post of President, for which he was

6

September 2012 E SAMVADone of the contestants. He was also told that the ballet papers were distributed. He stated that Shri.Gokhale had also submitted his nomination for the post of President. Considering the age, experienceand willingness of Shri. Gokhale to continue to work for further period of two years, Shri. Deshpandethought that it would be in the fitness of things, if he lent his full support to Shri. Gokhale. He wasaware that his decision may not be appreciated by his colleagues from Vidarbha, for which he appealedthem to bear with him. He expressed the view that by electing the President unopposed, all of themwould certainly help in strengthening the Association.

He declared his decision to withdraw his nomination in favour of Shri. Gokhale. His decisionreceived a loud applause from the audience.C) Dr. Vrushali Naik, Medical Officer, Paud Road Branch Dispensary, attended the meeting on ourinvitation. She made an appeal to all the Pensioners residing in the vicinity of our Paud Road branchto avail of the medical services rendered by the dispensary. She was felicitated at the hands of Shri.Gokhale by offering a bouquet. She was appreciated by the audience for her wholehearted supportto our members.D) Sarvashri S. G. Rabade - Election Officer, P. M. Narkar and Sahebrao Desai congratulatedShri. V. D. Deshpande for his magnanimous decision. Shri. Gokhale said that he was not willing tocontest the election. However, on persuasion by Shri. B. G. Dandekar, and other senior colleagues,as also considering the contribution of Mumbai Circle Association to the Supreme Court Case andits critical nature, he decided to continue as a President for a further period of 2 years. He appreciatedthe support extended to him by Shri. V. D. Deshpande and thanked him.Agenda Item No. 6 :- Biennial Elections of the office Bearers :

Shri. S. G. Rabade - Election Officer while initiating the election process conveyed that sinceShri. V. D. Deshpande has withdrawn his nomination for the post of President, he had one nominationeach for the post of President, Joint Secretary and Treasurer. He therefore declared the names ofelected candidates unopposed.

i) Shri. V. M. Gokhale - Presidentii) Shri. V. V. Gandhe - Joint Secretaryiii) Shri. D. A. Kulkarni - Treasurer

For the post of Secretary, no nominations were received despite efforts made by the Presidentand other office bearers.

In these circumstances, in consultation with the President, Shri. Rabade suggested that thepresent Secretary should continue to work for next two years subject to the approval of the House.This was approved by the House unanimously and accordingly Shri. Rabade announced the name ofShri. R. N. Lalingkar as Secretary. The audience responded to the decision of the election officerwith loud applause.

Shri.Rabade sincerely expressed his expectation that some enterprising and self-motivatedmembers would come forward to share the burden of Shri. Lalinkar and provide him the necessaryrelief. While expressing his thoughts on this subject, Shri. Lalinkar said that he has been doing theAssociation's work for the last 14 years since he retired in June 1998, of which he is holding the postof Secretary for six years. For the last 10/11 months, he was facing serious medical problems andwas unable to discharge his duties. As secretary, a key post by nature, he was engaged in publicationof 'Samvad', maintenance of members' records on computers, preparation of various reports on anongoing basis, organising managing committee & Annual General Meetings etc. He has to beconstantly busy either with this or that work without break. He was of the considered opinion that he

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September 2012 E SAMVADcannot do justice to his role and hence did not submit his nomination. Ours is a growing organizationwhere the number of members and the corresponding work load are increasing & naturally members'expectations from the Association are also on the increase. The need of the hour is more and morevolunteers who would take up different tasks / responsibilities voluntarily. He hoped that there would bepositive response from the members to his appeal for assistance. He also thanked all those whoregularly visit office & offer him help.Agenda Item No.7 :- Report of the Managing Committee for the year 2011 - 2012 to be read,discussed and adopted :

The aforesaid report which was published in 'Samved' of June 2012 was tabled by Shri. Lalingkarfor its adoption by the House. Shri. Dandekar pointed out a small error which was duly noted by theSecretary. The House then approved the report unanimously.

Shri. Lalingkar then read out five resolutions which he considered should be passed by theHouse. The House passed all the resolutions unanimously. These have been given in the Annexure.

Thereafter, Shri. B. G. Dandekar spoke about our case in the Supreme Court. In the beginning,he explained that fighting a case in Supreme Court is a very expensive proposition. On the day whenthe case is heard, the expenditure in the form of Counsel's and Advocates' fees is around Rs. 10Lakhs. The Federation has estimated that the Court case would cost us Rs. 50 to 70 Lakhs. If eachpensioner contributed Rs. 100/- towards the above cost, the entire cost could be easily met. While ourAssociation was asked to donate to the Federation Rs. 10 Lakhs as our share of the expenditure, wecollected Rs. 16 Lakhs for the purpose. The case was filed in April 2011, the preparation for which wasgoing on at hectic speed for over six months prior to that, and it has come up for final hearing stage inAugust 12 which in itself is no small accomplishment; of course, we had to submit to the Court that alarge number of aged pensioners leave this world every year and furnished them a statement showingthe number of pensioners who died in one year period prior to July 12. This piece of informationperhaps moved the Court and it fixed an early date for final hearing. The Court may take few months toannounce its judgment and we hope to get favourable decision.

At this stage, Shri. Dandekar became emotional and expressed that this AGM would mostly belast one he attended and if at all he attended the next meeting, he would sit in the audience and not onthe dias. Having worked in the Association for almost 25 years and having undergone operations onboth the eyes for replacement of cornea and considering the age-related health problems he is sufferingfrom, he would like to retire and look after his family, which aspect got sidetracked all these years. Heextended his heartfelt thanks and bid good-bye to all. As usual, he requested all the members todonate their eyes.

The Secretary announced the lunch break and reminded the audience to reassemble after onehour for the Pensioners Meet.

After lunch break, the Bank's Pensioners' meet was conducted. Shri. Waghmare, Desk Officer(H.R.) Zonal office, Pune invited office - bearers of the pensioners' Association and the Bank's dignitarieson the dias. Shri. Lalingkar welcomed the Bank officials and Shri. Gokhale greeted all the Bank officialsby offering them bouquets. Shri. Waghmare welcomed the office bearers of the Association and all thePensioners. From the Bank's side, Sarvashri Vaijinath, Dy. Gen. Manager, Pune Z.O., Gutte, ChiefManager (H.R.), Karkhanis C. M. (Gen. Banking), Waghmare, Desk Officer (H.R.) and Smt. ShilpaWarik, Desk Clerk, (All from Pune Z.O.) were on the dias. Shri. V. M. Gokhale and Shri. R. N. Lalingkarrepresented our Association.

At the request of Shri. Waghmare, Shri. Gokhale addressed the gathering. He suggested that

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September 2012 E SAMVADour members should raise questions / problems of general nature and preferably avoid individualdifficulties. He expressed satisfaction that our relations with Pune Zonal office as well as P.P.G.Department, LHO, Mumbai, have been very cordial and Banks officials are helping to solve ourproblems.

A good number of pensioners expressed strong dissatisfaction as none of the officials fromLocal Head Office, Mumbai was present, particularly when this meet was being attended by Pensionersfrom the entire Maharashtra and Goa.

In the Meet, the following problems were raised by the Pensioners -i) Non-receipt of family pension advices and where these have been received, they are incompletein many respects.ii) Short supply of medicines in the Bank dispensaries.iii) The diagnostic centre at Pune is not in operation.iv) Delay in sanction of medical bills.

In the discussions, Sarvashri V. D. Deshpande and Angrekar from Nagpur, Sahebrao Desai,Dhule, R. S. Wani, Pimpri, Shrikant Edke, Pune, C. P. Kulkarni, Pune and V. R. Baviskar, Jalgaon,participated actively.

Sarvashri Gutte and Waghmare answered satisfactorily the problems raised by the pensioners.Shri. Vaijinath, D.G.M., assured the house that the difficulties of the Pensioners would be sorted outsympathetically and necessary cooperation would be extended. Shri. Waghmare concluded the meetby extending a vote of thanks.Agenda Item No. 7 :- Any other matter with the permission of the chair and open session :

Shri. Lalingkar, while starting the session, requested the members to come forward and puttheir say in short so as to accommodate maximum members.

A large number of pensioners tabled the issue of non-receipt of family pension advices. In thisregard, Shri. Lalingkar suggested to Pensioners to go to their pension paying branches with theirProvident Fund Index number and request the concerned Br. Manager / Assistant to generate theadvice in duplicate; one copy is to be handed over to the pensioner against his acknowledgment onthe duplicate which should be put in the pensioner's file by the branch.

As regards receipt of incomplete advices, he suggested to the pensioners to submit anapplication enclosing therewith a photocopy of old as well as new advice, along with explanation ofshort-comings to the pension paying branch with a request to rectify the errors.

Thereafter he also suggested that a detailed record of family pension, medical facilities etc.should be kept by each pensioner at his residence in a special file and this should be brought to thenotice of the spouse / other family members.

Sarvashri P. M. Narkar, S. B. Gokhale and V. D. Deshpande replied to the various issues raisedby the members.

Shri. V. M. Gokhale in his presidential address expressed satisfaction about members'contribution to legal fund. As against the targeted amount of Rs. 10 Lakhs, the Association has beenable to collect Rs. 16 Lakhs. Shri. Gokhale thanked the members for their liberal contribution to thelegal fund. He expressed that the decision of the Supreme Court in our case is likely to be announcedwithin 2 - 3 months and will be in our favour. He appreciated the large gathering of over 1250 membersfor this meeting.

9

September 2012 E SAMVADIn the end, Shri. V. D. Deshpande narrated the position of the Court case for raising the ceiling

on gratuity from Rs. 3.50 Lakhs to Rs. 10 Lakhs. He was confident that the decision in the case wouldbe in our favour.

Shri. D. A. Kulkarni treasurer declared that donations aggregating Rs. 2,27,558/- were receivedduring the day. The names of the donors have already been published in 'Samvad' for the month ofAugust 2012.Vote of Thanks :A) Shri. C. P. Kulkarni proposed vote of thanks. He thanked all the members who participated indiscussions and those who attended the meeting in large number. Vote of thanks was also extendedto all the following organizations / persons.

i) Harshal Hall, Anand Mangal Karyalaya, S.B.I. Pune Society's Guest House - For makingexcellent staying arrangements. All the members expressed satisfaction over staying arrangementand good quality of food served to them.

ii) Janseva Mehfil Caterers - For catering arrangement.iii) Shri. Girish Pathak - For Audio system.iv) Shri. Jatin Parekh - For Video system.v) All dignitaries from Zonal office, Pune - For organizing Pensioners' Meet.vi) Organising and Planning of Annual General Meeting.

All the 4 teams with total volunteers of 50. The teams were headed by SarvashriSirdeshmukh, Palkar, Pandit and Kulkarni under the able guidance of Shri. Lalingkar.vii) Shri. M. D. Palkar and Shri. Navadikar - Stage Arrangement.

B) Shri. C. P. Kulkarni extended special thanks to Shri. V. M. Gokhale under whose leadership theA.G.M. with such a large attendance was conducted smoothly and successfully.

Shri. Sahebrao Desai thanked all the Volunteers from Pune in successfully organisingthe A.G.M. He specially expressed satisfaction over staying and food arrangements.C) Shri. S. P. Barve sang 'Pasaydan' whereafter the meeting came to an end.

For and on behalf of Circle Managing CommitteeR.N.Lalingkar Secretary

******************************************************

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10

September 2012 E SAMVAD

Success Story of Nagpur Z.S.C.Shri.G. N. Mohadarkar (aged 84) from

Nagpur had submitted a medical bill forRs.1,31,643/- in respect of total hip-replacementof his wife in November 2011 to Nagpur ZonalOffice for reimbursement. The bill was passed forpayment with a deduction of Rs.24,450/- withoutany substantive reason. The frequent visits andcorrespondence of Shri. Mohadarkar did not bearany fruitful results.

However, on taking up the case by ourNagpur Zonal Sub-Centre in August 2012, thematter was discussed threadbare with theauthorities and showing the relevant provisions ofthe Bank by our office-bearers, the unlawfullydeducted amount of Rs.24,450/- was reimbursedto Shri.Mohadarkar on 11-08-2012.Shri.Mohadarkar was happy by getting fullreimbursement of his medical expenses from theBank, who in turn gave donation to theAssociation.

We congratulate office-bearers of ourNagpur ZSC for fetching justice toShri.Mohadarkar ! Please keep it up !!

- Secretary*******************

Mail from MemberTo, Shri.S.V.Naik, (via e-mail)

I enjoyed reading your article"CONTRIBUTION OF MIND TO DISEASE &HEALTH". Nice; confirms you are a voratiousreader of diverse topics. Hats off ! When I readabout Hary Harlow of University of Wisconsin,Madison, which infused me additional interest inyour feature; I was in Madison only working for'FPL' under Dept of Agriculture (USDA) Madison.I go nostalgic of the lively and lovely days I enjoyedthere.

- S A Madhan <daddysam27@gmail.com>

The Maintenance & Welfare of Parentsand Senior citizens Act, 2007

Every Senior Citizen / parent / grand parent,who is unable to maintain himself from hisown income, can claim maintenance fromhis children.

A childless Senior Citizen can claimmaintenance from his relative who is inpossession of, or would inherit the SeniorCitizen's property.

Obligation of the Children / Relative withsufficient means is to meet the needs of theParents / Senior Citizen so that they canlead a normal life.

State Governments are to constituteMaintenance Tribunals at the Sub-DivisionalLevel. Senior Citizen may submit applicationfor maintenance to this Tribunal.

If a Senior Citizen is incapable of makingan application himself, any other person orregistered voluntary organization authorizedby him / her can file the application on hisbehalf.

Maintenance Tribunals can award up toRs.10,000/- per month as maintenanceallowance payable to the Senior Citizen byhis child / relative. They have to decide anapplication for maintenance within 90 days.

Transfer of property by Senior Citizen infavour of a child / relative, done aftercommencement of the Act, can be declaredvoid by the Tribunal in case of negligenceby child / relative in looking after SeniorCitizen.

Appeal against an order of a maintenanceTribunal can be filed with the District levelAppellate Tribunal.

Parties cannot be represented by legalpractitioners before Maintenance ofAppelate Tribunals.

State Governments are also to designate theDistrict Social Welfare Officer or anequivalent officer as Maintenance Officer,who can then represent a parent, on request,before a maintenance or Appellate Tribunal.

Abandonment of a Senior Citizen ispunishable with imprisonment upto 3 months,or fine upto Rs.5,000/- or both.

(Courtesy : SBI Pensioners' News Bulletin ofHyderabad Circle Pensioners' Association)

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- A{dZme {Z_Xod, A_amdVr _mo.- 08308673735

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September 2012 E SAMVAD

Seeing the beautiful life around youDinesh was displeased, in fact, disappointed when he received the order of posting as Area

Manager at the Eastern Region of the bank. For the last five years he had worked at key departmentsnamely Planning, International Banking and Credit Dispersal at the head office of the bank receivimgall along good reports from his seniors. It was, therefore natural for him to expect posting at any of theeight foreign branches of the bank. Of course, he knew that a number of factors weighed with the topmanagement while awarding foreign posting.

In the last fifteen years the bank has rapidly expanded businesswise as also added to the branchnetwork. Basically it had better presence at Eastern, Central and Western regions of Western andCentral states of the country. In the same period it had opened eight foreign branches. Displeasedthough he was, Dinesh knew that there was no way to represent about his not getting foreign posting.

Before leaving for the regional office of the Eastern region, Dinesh called upon the GeneralManager-in-charge of the Eastern region. He had earlier worked under him (the GM). The GeneralManager was well mannered, suave and knowledgeable. Besides, he had worked as RegionalManager of the Eastern Region. He assured Dinesh that the Eastern Region was important region forthe bank. It covered agriculture, industry, forest and mining. The regional office was located at majorurban centre of the country. Dinesh would have no difficulty about housing, good colleges and schoolsand the sports facilities at the regional centre. A stint at the regional centre away from the head officewas necessary for greater exposure and experience. Besides wishing Dinesh good luck, he suggestedto Dinesh that for greater exposure he need visit as many branches under his charge. That will givehim necessary feedback about customers, staff attitudes and behavior pattern, working conditions atbranches and in general topography of the area.

In his earlier career Dinesh had worked at medium and large size branches only. His school andcollege education was only at metropolitan centre. Dinesh was very comfortable playing cricket andtable tennis. These attributes helped him to easily get along with people.

Like a good scholar Dinesh carefully scanned each and every branch covered by his area, theindustrial and agricultural scenario of the area and also the political sensitivity of the area. With hishomework done methodically and studiously Dinesh found it easy to get along with the staff at theregional office and interact with customers and the staff at the branches. He soon realized that hisknowledge (somewhat bookish though) of the customers and the staff limited. The staff whether clericalor officers and the branch managers were not all out for promotion or increase in pay packects. Thecustomers too did not have only profit motive. They all had other interests such as music, sports, yogaand service to poorer layer of the society. These things Dinesh realized gradually but with an openmind.

At one of a medium sized branch a clerk who had put in fifteen years of service and had missedpromotional ladder was quite happy with his life. In interaction with the clerk, Dinesh found out thatclerk taught yoga and physical fitness exercises to a group of senior citizens. Sensing the interestgiven by Dinesh the clerk invited him to attend the evening session that day being the Annual Day ofthe class. That day the gathering would be large. The citizens around sixty years of age were veryhappy at Dinesh's visit. They lavishly praised the clerk; his knowledge of yoga and physical fitness.They gave full credit to the clerk about the positive outlook on life imbibed through him. Dinesh not onlyfelt happy with the senior citizens' interest in life. Moreover he felt proud about the contributions theclerk and his colleagues made to the society. During an hour and a half the clerk spent with Dinesh henever said anything about missing promotion or any further chances of promotion.

Another pleasant experience for Dinesh. The branch had closed earlier and Dinesh had somemore time to spend before he could leave for the Customer's Meet at the centre. The branch tookDinesh for tea at his place not far off from the branch. When they reached the residence (of the BranchManager), Dinesh saw a middle aged woman, (perhaps wife of the Branch Manager) narrating some

13

September 2012 E SAMVAD

story to children, twelve or fifteen in number, of the age group of ten. The children looked from verypoor background and were sitting on the floor of the verandah of the residence. On seeing Dinesh andthe Branch Manager, the lady went inside asking one of her friends, maybe her regular colleague atthe assembly, to continue the story narration. As Dinesh and the Branch Manager took seats in themodest but well kept sitting room, the Manager told Dinesh that they had no issue. His wife spent theafternoon after the school hours narrating the children from the nearby poor families stories from goodepics and fairy tales. Two elder girls also from the poor families began the assembly with prayers. Thesession ended with a light devotional song. The Brach Manager was initially skeptic about the wife'sactivity. After sensing the response of the children in the activity of his wife, he too started takinginterest in her work. He presented the children with cricket kit and some story books.

Way back Dinesh was thinking over again and again. The Branch Manager was quite handsomeand his wife was also good looking. They seemed to be very happy with the life they were leading.Being issueless did not seem to make their life dull or sad.

Somewhat similar experiences and feedback Dinesh was receiving at almost every branch visitthrough Customer Visit and general talk with staff members, always about their outside the branch lifeand activities.

It was mid-day of the week and not much business activity. During the general conversation withthe staff members, it transpired to the staff that Dinesh was interested in music and that his son wastaking regular music lessons. The staff immediately requested Dinesh to spend a few more hours atthe branch during which they would arrange a small music programme at which five or six of the staffmembers would render musical compositions and also play guitar. When Dinesh agreed to theirrequest, in fifteen minutes the staff members arranged the necessary musical instruments likeharmonium, tabla, sitar, etc. and phoned their wives to join them. Dinesh was almost surprised to findthe musical talent of the staff members and the interest taken by them. It was a really a lively eveningfollowed by sumptuous eats. There was no doubt delay in Dinesh's leaving for the headquarters butDinesh had no regrets about that. The evening was really rewarding for him. He felt rather shamefulabout his limited knowledge about his own staff.

Visit to customer's industry or visit to farmer's field was a different experience. Although Dinesh'svisit provided opportunity to customers to convey their problems and difficulties and the assistancethey expected from the bank. They at times told him about the contribution the group of industriesmade to the society.

At few places it was a different experience altogether. It was a medium sized branch in theagricultural sector. The Branch Manager arranged visit to the farm partly because the farmer concernedwas a progressive one and placed good deposit with the bank. A unique feature of his farm holdingwas a five acre well irrigated piece and a little distance away a two acre and a half totally arid andunproductive land. It was mid winter the five acre piece was lush green with winter crops and wintervegetables. The farmer was all proud to present Dinesh with a basket of freshly cut vegetables. WhileDinesh was not exactly keen, the farmer persuaded him to visit the totally fallow and unproductivepiece. On the way he told Dinesh that he had made every effort to find out what cereals or fruit trees orany commercially useful tree could grow at that land. He regularly listened to the TV program addressedto farmers. He met several authorities at Tahsil and district place who could possibly advice him howhe best he could commercially deploy the fallow land. Seeing TV programs, he had thought ofsandalwood cultivation and bee keeping. Unfortunately other that wild flowers there were no honeyholding flowers which could attract the bees. He told Dinesh that his idea was not to narrate his problemsbut to see whether with the bank's help he could arrange for expert technical knowledge in the matterof productive use of the land. Dinesh did feel tired or bored after listening to the plight of the farmer. Herealized that he was a progressive farmer who made every effort in a positive to make the barrenpiece of land a productive one. Dinesh had so far not much experience about agriculture other than

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September 2012 E SAMVAD

timely supply of fertilizers and bank credit. He was very much moved by the farmer's story. Somethingneed to be done must do in the matter. He assured the farmer that at the earliest and in consultationwith his higher authorities he would find a way out. If necessary the bank could get technical expertsfrom countries like Israel to guide the farmer, all at bank's cost. The farmer and the Branch Managerfelt really very happy at Dinesh's response. Dinesh indeed realized that what he was talking from wellwithin his heart and that had the necessary impact.

Most of these visits to branches proved very rewarding to Dinesh. It was a stark revelation to himnow that career progression, good school or college for children or vacation once in two years at a hillstation or a sea resort did matter but not having them need not affect fulfillment and joy of life. It wasnow revelation to him that life is very rich and multicolored one with varied colors and shades. Oneshould discover for oneself the proper colour and shade that would take them to fulfillment of life. Nonpromotion of the clerk or the issueless life of the Branch Manager and his wife or the unique problemfaced by the small sized farmer did not make their life negative and morose. Dinesh looked inward atthe life he had lead so far. Career progression, good posting and good education for his childrenmattered to him all along. Anything that affected these would bring moment of unhappiness to him. Nomore was this to be the case. The enlightened perspective now part of his made Dinesh see howbeautiful and rich life was and how a closer look at the people around you can tell you what you coulddo for them. Dinesh now blessed all the authorities at the Head Office for providing him with anopportunity to work at the Regional Office and understand the beautiful world around him.

- Sudhakar Chandurkar , MumbaiPh: (022) 26474161

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- Aê$U gmdaH$a, _w§~B© ^«_UÜdZr - 9892812838

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_mPm {Vgam N>§X Amho, "njr {ZarjU'. 1980 gmcmnmgyZ_r hm N>§X Omonmgcm Amho. {ZgJm©Mr AmdS> chmZnUmnmgyZMhmoVr. IoS> oJmdmV amhV Agë`mZo Jmdm^modVrÀ`m eoVr,nmUdR>çmÀ`m n[agamV {\$am`M§, _miamZmda ^Q>H§$VrH$am`Mr gd` cmJcr. JmdmVrc Am_À`m Mm¡gmonr dmS>çmVAmogarda EH$ qnOam Q>m§Jcocm hmoVm. Ë`mV EH$ nmonQ> nmicocmhmoVm. Ë`mcm Amåhr "amKy' åhUV Agy. amKycm H$mhr eãX~mocm`cmhr {eH${dco hmoVo. Vmo "{dÇ>c {dÇ>c' åhUV Ago."{_Ry> ~oQ>çm nnr Xo, nnr Xo' Ago åhQ>co H$s Vmo Ë`mÀ`mAmdmOmV à{VgmX XoV Ago. Iao Va hrM _mPr nú`m§{df`rMrAmdS>. `m AmdS>rVyZM "njr {ZarjUmMr' JmoS>r cmJcr. njr{ZarjUmMm N>§X hm Amamo½`Xm`r N>§X Amho. njr nmhÊ`mgmR>rAmnë`mcm KamÀ`m ~mhoa nS>mdo cmJVo. n[agamV, ~mJm§_Ü`o,_miamZmda, O§JcmV, nmUdR>çmÀ`m {R>H$mUr nm`r {\$amdocmJVo. PmS>m§darc, AmH$memVrc njr nmhÊ`mgmR>r _mZ daH$ê$Z ZOa {\$adrV nú`m§Mo {ZarjU H$amdo cmJVo. _mZocm,S>moù`m§Zm, AmnmoAmn ì`m`m_ hmoVmo. ZOa Mm§Jcr amhVo. nú`m§MoAmdmO EoH$Ê`mgmR>r H$mZm§Zmhr gmdY R>odmdo cmJVo. njr{Xgcm Zmhr Var Ë`mMm AmdmOmdê$Z Vmo njr H$moUVm Amhoho AmoiIy `oVo. {ZgJm©V Q>H§$Vr hmoV Agë`mZo ì`m`m_ KS>Vmo.VZm _Zmcm àgÞVm cm^Vo.

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ìhmMr cHo$a XoUmam "MmVH$' nú`mMm PmS>mÀ`m \$m§ÚmVyZ emoY¿`mdm. gÜ`m Xþ{_©i Pmcocm _miamZmdaMm amOm "_miT>moH$'nmhm`cm {_iUo åhUOo ^m½`M!

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The Highlighted topics are HRMS, Healthy ways, andHobby corner. These three 'H' makes a happy magzine forentire SBI staff and pensioners

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`m§Mo \$ma _moR>o ghH$m © cm^co Amho. Ë`m§À`m à{VgmXm_wioM Amnë`mEg~rAm` noÝeZg© Agmo{gEeZMr J¥hn{ÌH$m "g§dmX'À`mcoIñnYm© _mÜ`_mVyZ _r Omonmgcoë`m N>§Xm§Mr _m{hVr Amnë`mg_moagmXa Ho$cr Amho.

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g§dmX coI ñnYm© 2012ór {d^mJ - {ÛVr` nm[aVmo{fH$ {dOoVm coI

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September 2012 E SAMVAD

Regd. under RNI No. MAHBIL/2008/25425 & Declaration No. PHM/SR/63/VIII/2008 Dated 12/5/2008SSPO Pune under Postal Concession register No. PNCW/M-144/2011-2013 Dated 10.12.2010

Licence to post at Market Yard P.S.O. on 25th of each Month

If Undelivered Please Return to :

STATE BANK OF INDIA PENSIONERS'ASSOCIATION, (MUMBAI CIRCLE), PUNE

Anubandh, Building No. B-2, 4th Floor,

Block No.16, Near Ramkrishna Math,

Sinhagad Road, Pune 411030. Ph: 24332141

To,Printed Matter

gyMZm : 1) `m _m{gH$m§V à{gÕ Pmcoë`m coIm§Vrc _Vm§er g§nmXH$_§S>i gh_V AgocM Ago Zmhr. VgoM Om{hamVrVrc _OHw$amMr gË`mgË`Vm g^mgXm§ZrñdV: nS>VmiyZ ¿`mdr. Ë`m~m~V Agmo{gEeZ dm "g§dmX' Mo g§nmXH$ _§S>i O~m~Xma AgUma Zmhr. 2) Agmo{gEeZMo H$m`m©c`, gmo_dma Vo ewH«$dma,g§Ü`mH$mir 6 Vo 7.30 `m doimVM CKS>o AgVo. `mMr H¥$n`m Zm|X ¿`mdr. g§nH©$ XyaÜdZr H« _m§H$ : (020) 24332141Thane Office Address: A/5 Swami Siddharth CHS Ltd., S V Road, Naupada, Thane 400 602. Tel. No : 25446837

Timings : On Tuesday & Friday between 4 pm to 6 pm.

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

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