---------- Forwarded message ---------
From: Satish Kumar Arora <skar...@gmail.com>
Date: Wed, Jun 23, 2021 at 12:22 PM
Subject: Issues of Bank Pensioners
To: Indian Banks Assoociation <d...@iba.org.in>
Cc: <chandr...@gmail.com>, Manohar lal Arora
<mlaro...@gmail.com>, Jose M C <bob....@hotmail.com>, madan lal
Gupta <mlge...@gmail.com>, S L Nagpal <slnagp...@gmail.com>,
Dilip Saha <dili...@gmail.com>, Kalyan Dass Khera
<kdkhe...@gmail.com>, jAIKISHAN <jamb...@yahoo.co.in>, Subhash
Khurana <sckkh...@yahoo.com>, <aib...@gmail.com>,
<soumyada...@gmail.com>, ALL INDIA BANK OFFICERS Confederation
<aiboc...@gmail.com>, <bob...@gmail.com>, RAKESH SACHDEVA
<sachd...@gmail.com>, Dr.Dhananjaya Bhupathi
<doctordh...@gmail.com>, <ufbu...@gmail.com>,
<ufbu...@gmail.com>, Thomas Franco <ngcf...@gmail.com>,
<ncbe...@gmail.com>, Sundaram Nagarajan <snagar...@gmail.com>,
<nobwc...@gmail.com>, Nandakumar c.j <cjn...@gmail.com>, bank
officers <aibo...@gmail.com>, Allamaraju RameshBabu
<babu...@gmail.com>, <satyapa...@yahoo.co.in>,
<rksa...@hotmail.com>, Shok Haran Singh <shok...@gmail.com>,
Rajender Munjal <rkmunj...@gmail.com>,
<jugalkisho...@gmail.com>, <dbc2...@gmail.com>,
<cbeu...@gmail.com>, AIBRF <sharb...@rediffmail.com>, Acharya
CBPRO convenor <acharyave...@gmail.com>, ALL INDIA BANK
PENSIONERS & RETIREES CONFEDERATION <aib...@gmail.com>,
<klba...@yahoo.co.in>, <fbo...@gmail.com>, whatsapp Niranjan Mishra
<niranjan....@gmail.com>, <vijpa...@gmail.com>,
<we.bankers....@gmail.com>, <snw...@sbi.co.in>,
<snsin...@gmail.com>
Vishwa Alok Chandra ,M.A, LL.B.
Ex-Chief-Manager, Central-Bank of India
11/3 Vikas Nagar
Mail- Chandr...@gmail.com. Mob-7990841956 Lucknow-226022
Ref-No2021/25
Jun22,2021
To,
Shri Ram Nath Kobind Shri N.V.Ramana Shri
Arun Misra
HE President Of India Hon’ble Chief-Justice Of India
Hon’ble Chairman
Rastrapati -Bhawan Tilak –Marg ,Mandi House
NationalHuman Rights Commission
New-Delhi -110004 New-Delhi-110001
Manav Adhikar Bhawan ,New-Delhi
Shri Narendra Modi Smt Nirmala Sitharaman
Shri Ravi Shankar Prasd
Hon’ble Prime Minister Hon’ble Finance Minister
Hon’ble Minister- Law & Justice
South Block North Block
A-Wing, Shastri Bhawan
New-Delhi-110011 New-Delhi -110001
New-Delhi-110001
Shri S.K.Gangwar Shri G.S.Gehlot
Shri Devasish Panda
Hon’ble Laour Minister Hon’ble Minister- Social Justice
Hon’ble Secreatry
Shakti Bhawan C-Wing, Shastri Bhawan
DFS-Ministry of Finance
New-Delhi-110001 New-Delhi-110011
New-Delhi-110001
Respected Madam/ Sirs
Reg- GENOCIDE of Bank Pensioners/ family pensioners due to non- revision
updation of Pension from their own Provident Fund lying in their PF
Trust Account & non-payment of Heath Insurnce Policy Premium by Bank .
Ref- My mail letters to ....
Hon’ble President of India dt 03/09/2020,16/09/20, 23/09/20, 25/9/20
, 23/10/20, 30/10/20, 13/11/2020,26/11/20 , 06/12/2020 ,28/12/2020.
Hon’ble Chief-Justice of India dt 18/09/2020, 13/11/2020,26/11/2020,
06/12/2020 24/12/2020, 28/12/2020, 20/01/2021.
Hon’ble Chairman, Human rights Commission dt 20/10/20 &
13/11/2020.,26/11/20, 06/12/2020,24/12/2020.,28/12/2020.
Hon’ble PM, Minister of finance, law, labour, Secretary –DFS dt
18/09/20, 19/10/20,
20/10/20, 28/10/20, 31/10/20, 08/11/20, 13/11/20 &
16/11/20.26/11/20, 24/12/20. 28/01/2021.
Hon’ble Finance Minister 17/08/2020, 25/08/2020 ,18/09/2020
,23/09/2020, 07/10/2020,11/10/2020,17/10/2020 ,19/10/2020 ,28/10/2020,
31/10/2020 , 13/11/2020, 16/11/2020,02/12/2020
,19/01/2021,28/01/2021,08/06/2021
Hon’ble Law Minister 17/08/2020, 25/08/2020 ,18/09/2020 ,23/09/2020,
07/10/2020,11/10/2020,17/10/2020 ,19/10/2020, 13/11/2020, 16/11/2020,
26/112020 , 02/12/2020 , 06/12/2020 , 24/12/2020 ,28/12/2020
,28/01/2021 ,08/06/2021
Hon’ble labour Minister 18/09/2020 ,23/09/2020, 07/10/2020
,11/10/2020, 17/10/2020 ,19/10/2020, 28/10/2020,13/11/2020,
16/11/2020, 26/112020 , 02/12/2020 , 06/12/2020 , 24/12/2020
,28/12/2020 ,28/01/2021 ,08/06/2021.
Hon’bleSocial-Welfare Minister 23/12/2020 , 24/12/2020 ,28/12/2020
,28/01/2021 ,08/06/2021.
Hon’ble Chief-Vigilance Commissioner 23/09/2020, 19/10/2020.
Hon’ble P.S. To Prime Minister 20/10/2020
Hon’ble Secreatary , DFS Shri Devasish Panda
25/09/2020,07/10/2020,17/10/2020, 19/10/2020,28/10/2020,31/10/2020
08/11/2020,13/11/2020, 16/11/2020 24/11/2020, 28/12/2020, 08/06/2020
.
Hon’ble Chairman IBA dt 4/07/20, 27/07/20, 17/08/20, 25/08/20, 25/09/20,.
07/10/20, 11/10/20, 17/10/20 , 29/10/20, 06/12/2020
,09/12/2020,12/12/2020 13/01/2021 .08/06/2021
Hon’bleChairman–Nationalised-banks Dt 07/08/2020,
25/08/2020,23/09/2020, 25/09/2020,07/10/2020 11/10/2020,17/10/2020
,02/12/2020..
It is a matter of serious concern that inspite of my above noted
representations with documrntry evidences to highest constitutional
authorities of Republic Of India , hundreds of Bank retirees/
pensioners / family pensioners are dying & crying in absence of
updation / revision of their pension / family pension from their OWN
PROVIDENT-FUND lying in PENSION TRUST FUND rather being diverted to
other purposes & IBA sponsored group insurance policy for retirees at
exorbitant rate of premium inspite Ministry Of Finance, DFS
instructions for payment of retirees’s Health Insurance Premium by
Bank.-
We have in our nation, a written –constitution as fundamental law of
land & a democratically elected Govt which works on public money &
support/ votes . Bank retirees are also citizens of India & have
contributed / contributing hundreds of cores rupees as taxes but they
are being unlawfully denied their rights inspite lakhs of letters
forwarded by them & issues taken by several Member of Parliament
since long .
Two of my letters dt 03/09/2020 & 16/09/2020 addressed to Hon’ble
President of India was referred to Shri Bhaskar Pandey , Joint
Secreatary Institutional Finance Deptt ,CM’s Secreartiat Govt of U.P
(Via reference no PRSEC/E/2020/20435 & 21407 ) they closed the matter
saying it does not pertains to them . It is a matter of great
misfortune that dealing staff did not prefer to go through the
contents whether it pertains to MOF/DFS , New-Delhi or U.P.Govt
It will not be exaggeration to call it GENOCIDE of Bank
Pensioners/Family Pensioners due to unholy alliance of Indian
Bank’s Association(Non-statutory / unregistered body )
as claimed by IBA & United Forum of Bank Unions who has never faced a
free& fair election / election during my long tenure of more than 36
years of career , therefore their majority & representative status is
in question .
Lakhs of bank employees / officers may not be willing to join unions (
in case any member resigns from union , he is harassed in number of
ways by unions & management) as their servicing conditions are going
from bad to worse with every successive settlement inspite paying
regular union subscription from their salary sheet on quarterly basis
& paying arrear levy , as percentage of their wage revision arrear .
Most surprisingly arrear levy increases in cores with delay in
settlement as reward to unions for delayed settlement .THIS DELAY IS
FACILITAED BY IBA , SELF PROCLAIMED FACILITATOR TO GET THE SETTLEMENT
SIGNED AS PER THEIR NEEDS . In fact it is totally an illegal payent as
if there is timely settlement there will be no arrear & no levy.
Presently the role of IBA is not in social/ national interest. At one
side by deteriorating servicing conditions in banks, IBA wants to
keep talents away from banking industry & on other side member
BANKS/IBA are involved in sanctioning ineligible loans to big
corporate in violation of systems . Ultimately such loans become Non
Performing Assets & then loans are written off in favour of corporate
thus ruining the viability of banks.In fact it is money laundering
process of diverting depositors deposit-money to corporates.
No punishment is given to guilty officers involved in loan sanction
process rather offiers who becomes hurdle in their way are punished in
multipleway by unfavourable posting / damaging their career by marking
low in performance appraisals / issuing bogus chargesheets .I have
enough evidences & have informed to my Bank board too.
Most condemnable act which is being done by IBA in connivance with
UFBU is to make evil designs for employees who are on the verge of
retirement by damaging their terminal dues / pensions by adopting
immoral, unethical & unlawful practices Settlement is delayed
intentionally to unduely enrich arrear levy funds of Unions at
employees cost at one hand & on other hand damage future of retired
employees /officers . Once they are out of Bank, they are no more
employees & not members of unions. They are unable to make united
protests and remedy for them is only COURT OF LAW .IBA plays there
every type of delaying tactics as IBA works on public money &
emoployee from his pension , knowing well that Indian judicial systems
are time consuming & most of the retirees will die . I think that no
employer of good moral character can think even of such mean practices
as being adopted by IBA for those staff that had devoted his whole
life for the sake of institution as if IBA is being motivated by some
extraneous considerations.
The unholy alliance of IBA & UFBU concluded last/11Th five
year-settlent in three & half year. After computarisation in Banking
Industry every data is available within hours / days & calculations
are made in minutes. Deliberations between IBA & UFBU are never
transparent. Budget is not distributed uniformly & benefits differ
from stage to stage.
In every settlement, some evil-designs are made to confuse ordinary
member & damage retirees interest as unions do not get union
subscription from them, therefore betrayrl with retirees is their
birth right in connivance with IBA .
The result is that the benefit of stagnation increments agreed in
10th bipartite settlement concluded on 25/05/2015 has not been given
to employees/ retirees between 01/11/2012 to 31/10/2017 .Again in 11th
settlement stagnation increments were revisited retrospectively &
frequency was reduced from three years to two years but financial
benefits are applicable wef 01/11/2020 to deprive retirees retired
between 01/11/2017 to 31/10/2020 benefit of stagnation increments in
their terminal benefits but retitress after 01/11/2020 will get .Thus
creating two categories of employees in 11 th settlement in VIOLATION
OF FUNDAMEMTAL RIGHTS EQUALITY BEFORE LAW & EQUAL PROTECTION OF LAWS .
This discrimination was done with intentional late signing of
settlement ( wherin employees has no say ) as result of well planned
CONSIPIRACY to enrich union funds to the tune of cores of rupess at
employees cost & damage retirees interest .
The unique concept of NOTIONAL is in vogue in banking sector, means
Bank recognises the claim/right retospectively but financial benefits
will occur from future arbitary date .
IT IS PERTINENT TO NOTE THAT IN 10TH SETTLEMENT, A CONCEPT OF
“SPECIAL –ALLOWNACE “ WAS INVENTED AS A PART OF BASIC/ SALARY BUT NOT
QUALIFYING FOR TERMINAL BENEFITS . Inspite declaration of such
concepts as “ILLEGAL “ by Hon’ble Supreme-Court , its limit was
enhanced from 10% to 20% of the basic in 11th settlement to show their
power, as if alliance of IBA & UFBU has unlimited authority to frame
rules against the constitutional-provisions being
extra-constitutional bodies.
In courts IBA claims itself as unregistered, non-statutory body, a
facilitator but sign the wage revision settlement in representative
capacity to escape from legal liability & delay judicial-proceess.
Central bank of India, in one of its RTI reply no
CO/HRD/RTI/CPIO/2018-19 dt 24/01/2019 has informed.
Type of No of Amt Paid in
Average pension per pensioner /
Pensioner Pensioners Dec-18 in lac Family
Pensioner
Regular 28332 8425
Rs842500000/28332 =Rs29736.69/
Family 8852 32
Rs3200000/8852 =Rs361.50/
It is clear from above data that average family pension is Rs
361/Paisa 50, if any one can survive in this amount. Terminal dues
were also very much meagre 25-20 years ago & are generally utilised in
medical emergencies.
TODAY GENERALMANAGER RETIRED IN OCTO-2002 IS GETTING BASIC PENSION OF
RS 10650/ WHILE A PEON RETIRED ON OCTO-2017 IS GETTING BASIC PENSION
OF RS 11893/ THUS INFRINGING FUNDAMENTAL RIGHTS IN TERMS OF ARTICLE
14,16 & 21 .
Ministry of Finance, DFS in their letter no F no 14/7/92-IR(Vol-II )
noted “It is requested that IBA may take appropriate steps to inform
all concerned Banks accordingly “
“Banks may consider the option of Group Insurance Policies for both
serving & retired employees instead of direct payment of benefit from
the fund ................Each year the banks may devise the scheme for
apportionment of funds with the prior approval of their Board of
Directors as per specific need of the Bank “
But IBA instead of informing to banks immediately, kept it pending
for 39 months & devised its own strategy in connivance with UFBU
detrimental to retirees interest & enriching illegally insurance co.
,violating Govt instructions for the reasons best known to IBA ,
while IBA claims its status only as a facilitator. –DFS-letter
enclosed.
There is confirmed information that IBA/Banks have diverted
emoployees/ officers Provident –Fund lying in TRUST-FUND ACCOUNT for
other purposes WHICH IS CRIMINAL COGNIZABLE OFFENCE. BUT TILL NOW NO
BANK EXECUTIVE HAS BEEN PUNISHED Unions are silent over the issue as
they get benefitted in cores of rupee as arrear levy at employee
cost due to delaying tactics of IBA rather unions are also liable for
professional misconduct being paid organisations.
All most all signatories of UFBU are more than 70 years of age . A
natural question arises in the mind of sufferers that what is their
personal/ vested interests that they are actively involved in union
activities & are damaging the interests of retirees inspite being
themselves retirees.
There is also rumours in society that one participating union in wage
revision settlement has political affiliations which is well known
for its ANTI-NATIONAL APPROACH & its funds are utilised for political
purpose,. Therefore , it will be in national intetest that end use of
its funds is investigated by some statutory –authority .
It is relevant to mention here that Mr S.K Kakkar Senior Adviser, IBA
declared on oath on 21/10/2020 before THE HIGH COURT OF JUDICATURE
AT MADRAS in W.P.No.2670 of 2020 “IBA was formed in Sept 1946 to
promote & develop sound & progressive banking principles ,practices &
conventions. I STATE THAT IBA IS AN UNREGISTERED BODY & DOES NOT
RECEIVE ANY GRANT FROM THE GOVT OF INIA ‘The fact is that IBA survives
on contributions from nationalised & private banks thus nationalised
banks contributions are like Govt Aid as nationalised banks
profitability is Govt’s revenue .
“I state that as far as banking industry is concerned, conditions of
service of all public sector banks & some private sector & foreign
banks are negotiated by negotiation committee of such banks for
officers & other employees & the uniform service conditions are sought
to be maintained in such banks . ....... Which IBA facilitates based
on the mandate of these banks.” The fact is that IBA signs as
authorised attorney/ agent on behalf of banks not as FACILITATOR. No
facilitator is authorised to sign as authorised agent / attorney .-
Signature sheet enclosed .
It is very much clear from above facts that IBA is working away from
its object clause & beyond its scope of authority & jurisdiction ,
but to escape from legal liabilities it frequently uses word
FACILITATOR whether a facilitator has any legal rights to represent
the principle .It is a matter of investigation whether Indian Law
permits operation of such institutions? Even a small welfare
organisations like resident associations/ recreation clubs of non-
profit nature needs registration for opening a bank account or IBA
deliberately giving misrepresentations to escape from legal/
constitutionl liabilities as if it is a EXTRA-CONSTITUTIONAL BODY &
AWAY FROM THE JURISDICTION OF INDIAN COURTS AS NOTED IN THE AFFIDAVIT
.
The unholy alliance of IBA &UFBU has got the unfetted powers to sign
the settlemet keeping aside the principle of law , justice & morality
.I think no employer all over the world will be involved in such a
immoral, unethical & unlawful practice of injuring the law ful
interest of its retirees /senior citizens ,who devoted their career
for the sake of institution . They gives contradictory versions in
courts to delay the proceedings knowing well that Indian courts are
expensive & time consuming while IBA works on public money waiting for
death of retirees , which is happening in fact to misappropriate
PROVIDENT –FUNDS LYING IN PF TRUST ACCOUNT
It is well established fact IBA is a association of top executives of
Banks & to escape from legal liabilities IBA entrusts liability on
member Banks & Banks on IBA while both are one & same person . When
IBA signs under mandate of member Banks it acts as authorised agent/
attorney of its member Bank not as FACILITATOR.
IBA claims to be a unregistered body, how it is accepting
contributions from member banks & in which capacity .How a
unregistered / non statutory body, is meddling in affairs of Banks &
signing on behalf of IBA in bipartite-settlements . IT IS A MATTER OF
IMMEDATE INVESTIGATIN, IT NEEDS TO BE DISSOLVED OR GIVEN A LEGAL
STATUS so it may not create hurdles in judicial processes by
MISREPRESENTATION .
Govt of India as a matter of policy gives its SENIOR-CITIZENS a
respectable, preferential & concessional treatment in view of their
past services.In this CORONA –PANDEMIC they discharged their duties at
the cost of their lifes & was declared CORONA-WARRIORS.
BUT THE ROLE OF IBA& UFBU IN MAKING EVIL DESIGNS IN EVERY SETTLEMENT
FOR ITS RETIREES / SENIOR CITIZENS TO DAMAGE THEIR TERMINAL BENIFITS /
PENSION IN A WELL CLACULATED MANNER WHO SACIFICED THEIR WHOLE LIFE FOR
THE SAKE OF INSTITUTION IN A IMMORAl, UNETHICAL & UNLAWFUL MANNER is
UNHEARD IN ANY CIVILISED SOCIETY OF THE WORLD & IS BEING CONDMNED AT
EVERY LEVEL IN SOCIETY.
In view of above facts , it is requested to all Constitutional & Govt
authorities to please bestow your personal attention for the sake of
helpless/ hapless retitees WHO ARE BEING DENIED THEIR DUES FRON THEIR
OWN PROVIDENT FUND LYING IN TRUST FUND ACCOUNT & dying in masses .
Even your 15 minutes to go through this letter personally may stop
GENOCIDE of Bank retirees/ pensioners/ family pensioners .
With thanks & regards
Yours Sinecerly
Chandra.va
(Vishwa Alok Chandra )
Encl-a/a
CC-Hon’ble Chairman/ CEO –All nationalised banks.- With the request
to desist from
unethical practices of damaging your employees/ officers ( who has
devoted their life for the cause of institution ) pension / terminal
benefits in the guise of IBA . Finance –Minister in her DO letter no
DO.No 12/1/49/2016-IR dt 04/03/2020 to Dr Manamohan Singh has clearly
noted “Pension is payable as per the agreement arrived at between
bank unions/ associations and the banks .” therefore matter needs no
clearificsation any more .Letter enclosed
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