Re: Issues of Bank Pensioners

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Venugopal Cheriyachanaseril

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Jun 24, 2021, 12:22:29 AM6/24/21
to Dr.Dhananjaya Bhupathi, bainkatesh mishra, INDRAJIT SANYAL, Sushil Kumar, Manish Pranami, mastan vali, mrs...@ymail.com, n.srinivasan N SRINIVASAN, pravin biswas, venky iyer, BANK PENSIONERS`SOUL DREAMS- PENSION REVISION INDIA, Aibeahq, Jhinkwan, Rajesh Goyal, Anoop Baranwal, Arnab Pal, Abhiram Samal, auravku...@gmail.com, shubham pathak, mondal, Bankpensioner Google, daya...@gmail.com, Gk65...@gmail.com, hitu sharma, Kamal Patni, Karwasr...@gmail.com, CHAKRAPANI K IYER, mohandas bhandary, ma...@iba.org.in, verma, MOHAN BADI. BANGALORE. UNITED BANK OF INDIA PENSIONER., Naresh Saharan, Neelakantam, Narayanamurthy, pkmak...@gmail.com, PRATEEK GOYAL, Ramachandran Menon, raman...@gmail.com, shyamal roy, Sabyasachi Sanyal, RAJENDRA BABU, S.S. Garg, satish arora, Mani SKS, Somya...@yahoo.com, Shyam sunder Baral, ush...@gmail.com, vanita...@gmail.com, ved...@gmail.com, Venkat...@gmail.com, vijaybab...@gmail.com, Vinay Kumar Khanna, vrsivaram...@yahoo.in, A.RAMASAMY, Acharya CBPRO convenor, AIBRF, AIBRF, AIBRF Niranjan, ALL INDIA BANK OFFICERS Confederation, ALL INDIA BANK PENSIONERS & RETIREES CONFEDERATION, Allamaraju RameshBabu Allamaraju, bankhelpline, Bhagwa Poosukuri, Bhagwan Pooskuri, C.Gangadhar Yadav, Chhapia, Dena Bank, Chittor Venkata Appaswamy, CNPrasad,SBM, COMMUNIST PARTY, Deshpande, Deubey, Deval Mishra, WEBANKERS., Devanshi Dubey, Girish Chandra Khare, Gunasekharan, Hema, Indian Banks Association, Indian Banks Assoociation, J.Srinivas Baba, jAIKISHAN, Jayaprakash Nagaraja Rao, KASIGARI SAMUEL, KL Rao, Krishna Siva Chaitanya, Manmohan Siingh Siddhu, MK Rama Prasanna, Mohan Bhat, monagupta, Mrs.Vinutharao, MS Tandon, Nataraj Pulluru, R.K.Sharma sbpra, RADHAKRISHNAN.V Viswanathan, rajamallaiah uppuleti, Rajesh Mittu Ludhiana sb, Rajiv Sharma, Ram Kumar Gupta, rama krishna Adepu, Rama Mohan Rao, RAMACHANDRAN S RAMACHANDRAN S, Rampal Trivedi, RS Sharma, Samuel Kasigari, Sunagar, Suresh Babu Karru, Thomas Franco, V.Nagaprasad, Syndicate Bank, Vasant, Vasigala Ramesh, Victor Man Mohan Syndicate Bank.
wild cry in deaf ears 

On Wed, 23 Jun 2021 at 19:06, Dr.Dhananjaya Bhupathi <doctordh...@gmail.com> wrote:
---------- 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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Rajender Sharma

unread,
Jun 25, 2021, 11:52:42 PM6/25/21
to bankpensioner
Sir,
You have made a passionate appeal to the highest authorities in the country to
do justice with the bank retirees by resolving their long pending issues.
But such appeals have fell on deaf ears so far. 
Those who could impress upon and compel IBA have taken away their slice and have left the pensioners 
in the lurch. Farmers have been agitating  for over six months,braving scorching heat and biting cold,but
nobody listens.We are way behind them.
R.K.Sharma

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