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¼É£ï¹À£ÀgïÏ ªÀÄÆüšAUïÏ PENSIONERS’ MUSINGS NEWSLETTER OF SBI PENSIONERS’ ASSOCIATION (KARNATAKA) Vol.: 7

Issue: 7 Bangalore

July - 2018

Pages : 16

Subscription per Copy Rs. 12.50

Editorial...... LEGAL ASSISTANCE – REVISED GUIDELINES invocation of SARFAESI Act etc. The employees and officers even after their retirement were forced to attend the court cases and defend themselves against those charges and no legal support was forthcoming from the Management until the case is disposed off. Only when the case is disposed off in favor of the employees and officers after prolonged correspondence and explanation the expenditure were being reimbursed to the retirees in the bank.

At present the bank was permitting the employees and officers to get the expenditure reimbursed in respect of the legal cases filed against them by the customers, the CBI and other agencies in relation to the banks business during their service in the bank when they are acquitted by the respective courts. This was a relief to some extent to all those who have retired from the bank but were subject to judicial proceedings in the court of law. It was a lengthy procedure and more so the employees and officers were meeting the expenditure from their own pocket and had to suffer a lot of hardship since the income from the pension and pensionary benefits were just sufficient to look after their families. There was a demand from the serving organization as well as the Pensioners’ organizations that the proceedings are the outcome of the actions the employees and officers were taking in course of the business when they were working for the bank. It was the duty of the management to protect the innocent officers’ against the mischievous customers who were foisting false cases against the employees and officers in the bank.

The Management has now reviewed the position and has come out with revised guidelines wherein the interest of the innocent officers and employees is fully taken care and protection is afforded against the hardship of the litigation arising out of the bonafide actions of the employees and officers in the bank. The Bank has taken care of all the situations where the employees and officers are unnecessarily dragged to the courts by the customers and also in order to instill a sense of confidence and conviction that the bonafide actions of the employees and officers are protected so that they can act boldly and take tough decision in conducting the business of the bank including the recovery of advances etc.,

This was one of the major issues that is now confronting the employees and officers working in the bank. The customers want to take advantage of the judicial process available and put the employees and officers into hardship so that they are coerced from taking bold decisions in the matter of conduct of the bank’s business as also recovery of advances through initiation of legal proceedings including Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

The guidelines issued by the bank is very exhaustive and it substitutes all the earlier circulars issued from time to time. The guidelines will also provide the procedure that is to be adopted for the purpose of getting the legal assistance etc. The guidelines are re-produced for the benefit of our members. 1

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e-Circular

Department:P&HRD SI.No.: 412/2018 - 19 Circular No.: CDO/P&HRD-PM/25/2018 - 19 Date: Wed 11 July 2018

STAFF:: MISCELLANEOUS EXTENDING LEGAL AND FINANCIAL SUPPORT TO SERVING/ RETIRED EMPLOYEES & OFFICERS, PRESENT/ PREVIOUS DIRECTORS OF THE BANK AND THEIR FAMILY MEMBERS AGAINST CASES ARISING OUT OF BONA FIDE EXECUTION OF BANK'S WORK DURING THEIR SERY-1-C-E-RE1IOD/ TENURE Please refer to our following circulars: i.

Circular no. CDO:P&HRD-PM:3:2007-08 dated 25th April 2007 EXTENDING LEGAL AND FINANCIAL SUPPORT TO EXECUTIVES OF BANK AGAINST WHOM MOTIVATED FALSE COMPLAINTS HAVE BEEN MADE BY PEOPLE/ AGENCIES OUTSIDE THE BANK

ii.

Circular no. CDO/P&HRD-PM/58/2011±12, dated 23rd August 2011 EXTENDING LEGAL AND FINANCIAL SUPPORT TO OFFICERS / EMPLOYEES

iii.

Circular No. CDO/P&HRD-PM/30/2015 ± 16 dated 10' July, 2015 & Circular no. CCO/CPPD-SAM/ 136/2017 ± 18 dated 23rd March 2018 PROTECTION POLICY FOR OFFICERS ENGAGED IN NPAs AUCAs RECOVERY, INITIATING CRIMINAL ACTION PROACTIVELY AGAINST DEFAULTERS AND FIGHTING CRIMINAL/ CIVIL CASES FILED BY DEFAULTERS

2. In this connection, it has been decided by the competent authority to introduce a single comprehensive policy for extending legal and financial support to serving/ retired employees & officers, present/ previous directors of the bank and their family members against cases arising out of bona fide execution of Bank's work during their service period / tenure. Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

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Accordingly, the existing schemes/ policies, as mentioned above, shall be subsurr_ in a single comprehensive policy as per aAnnexure-I2 of this circular. Following benefits are expected to accrue to the Bank and its officers/ employees from this policy: i.

Assistance and support to serving/ retired employees & officers, present/ previous directors of the Bank who are required to defend themselves against legal action in the court of law against cases arising out of bona fide execution of bank's work during their service period / tenure.

ii.

Bank's ability to deal with defaulters will be strengthened.

iii.

This would facilitate the Bank's process of identification & declaration of wilful defaulters.

iv.

General perception in the market that the Bank is soft towards unscrupulous borrowers will change.

v.

Awareness of officers about criminal acts by the defaulters, relevant sections in Indian Penal Code, SARFAESI Act, Companies Act etc. will improve.

vi.

Officers of the Bank will develop expertise and capability to initiate criminal action and handle such cases against defaulters.

vii. Morale and spirit of the officers handling recovery cases will get a boost. viii. Mind set of reluctance to initiate criminal action will change. . ix.

Fear of retaliation by the defaulters will reduce.

x.

The policy will instil confidence and a sense of security in the mind of operating functionaries.

4. Please arrange to bring the contents of this circular to the knowledge of all concerned.

ATTENTION

PLEASE NOTE

Managing Committee proposes to bring out third edition of Members Directory, many members

Please

have not furnished thier Telephone / Mobile

application duly signed by the Pension Paying

numbers. Hence such members are requested to

Branch to PPG Department at LHO directly and

furnish the particulars at an early date.

not to the Pensioners Association.

Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

3

submit

the

completed

ID

card

July - 2018


ANNEXURE

EXTENDING LEGAL AND FINANCIAL SUPPORT TO SERVING/ RETIRED EMPLOYEES & OFFICERS, DIRECTORS OF THE BANK AND THEIR FAMILY MEMBERS AGAINST CASES ARISING OUT OF BONA FIDE EXECUTION OF BANK’S WORK DURING THEIR SERVICE PERIOD / TENURE: 1.

2.

Objectives: i.

To enable the employees/ officers of the Bank to proactively initiate appropriate action including criminal action without fear of reprisal against defaulters, who with mala fide intention have committed criminal offences against the Bank.

ii.

To enable the employees/ officers to defend civil / criminal cases filed by defaulters against them and provide necessary legal and financial support.

iii.

To provide medical & financial support for other hazards viz. physical injury, manhandling etc. suffered by employees/ officers during the course of their duties.

iv.

To enable the serving/ retired employees & officers, present/ previous directors of the Bank to defend themselves against legal action initiated by third parties or agencies/ organizations including Govt. Agencies such as CBI/ CVC/Police etc. in the court of law in cases arising out of bona fide execution of bank’s work during their service period / tenure.

Applicability & Coverage: I.

II.

Eligibility for coverage under the policy: i.

All employees/ officers of the Bank at all branches / offices in all business groups, retired employees/ officers, employees/ officers on deputation and employees/ officers after resignation, who were engaged in recovery efforts or had initiated action against the borrowers during the course of discharge of official duty will be covered. All cases filed by defaulters or cases filed in connection with NPA/AUCA recovery against Bank’s employees/ officers will be covered.

ii.

All serving/ retired employees & officers, present/ previous directors of the Bank, including those on deputation or resigned, who are required to defend themselves against legal action initiated by third parties or agencies/ organizations including Govt. Agencies such as CBI/CVC/Police etc. in the court of law against cases arising out of bona fide execution of bank’s work during their service period / tenure.

Family members of the employees/ officers/ directors: Family members who are exposed due to action of employees/ officers/ directors covered in point (I) above in the course of recovery process/ bona fide execution of bank’s work. Family members to include only parents, spouse & children of the concerned employee/ officer/ director.

III.

Employees/ Officers exempted from coverage under this policy: Benefits and support under the policy will not be available to employees/ officers who have been removed / dismissed / compulsorily retired from Bank’s service.

IV.

For extending legal and financial support to serving/ retired employees & officers, present/ previous directors of the Bank to defend in the court of law against cases arising out of bona fide execution of bank’s work during service period/ tenure, following principle would determine whether the support would be extended concurrently or on acquittal:

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i.

ii.

3.

Under following cases, support from the Bank may be considered only on acquittal of the officer/ employee by a Court of Law: a.

Where prosecution has been initiated by Government Agencies such as CBI/CVC/Police etc., based on investigations on a complaint specifically filed against the employee/ officer by the Bank.

b.

In cases, where the Bank earlier examined the matter and any mala fides have been discernible on the part of officer/ employee during the disciplinary proceedings initiated by the Bank in respect of acts or other connected acts.

c.

Cases, where Bank has permitted prosecution proceedings during service period of the officer

d.

Any other case, as deem fit by the competent authority in the matter

In all other cases, including the following, support from the Bank would be extended right from the beginning, irrespective of cases initiated before or after the retirement: a.

In cases, where the Bank had earlier examined the matter and categorized it as Non-Vigilance;

b.

In cases, where the Bank had earlier examined the matter and no mala fides were discernible on the part of officer/ employee during the disciplinary proceedings initiated by the Bank in respect of acts or other connected acts.

c.

Cases initiated after the separation of the officer/ employee from the Bank based on complaints made by third parties or agencies/ organizations including Government Agencies such as CBI/CVC/Police etc., which were not examined by the Bank earlier during the service period of the employee/ officer;

Approach for initiating Criminal Action: The Branches will examine NPAs / AUCAs to ascertain whether the borrowers have indulged in any criminal acts against the Bank. Services of Stock Auditors, Forensic Auditors, Investigative Agencies & Advocates can be engaged by the branches with the approval of the competent authorities wherever required to collect evidence to prove our points. Some of the acts/omissions by the borrowers which constitute offence are furnished in Annexure-A.

4.

Details of protection to be provided by the Bank: I.

Financial & Legal Support: •

The Bank would provide full legal & financial support to defend such employees/ officers/ directors against whom legal proceedings have been initiated or there is a threat of civil / criminal action against them on prima facie satisfaction that she / he had acted in good faith in discharging her/his responsibilities diligently on behalf of the Bank. The Controllers of such officers will arrange for legal support in consultation with Law Officers / Law Department in the Business Group / Circles / Corporate Centre. All the benefits available to the official/ employees will also be available to the officer’s/ employees family members, which will include parents, spouse & children.

The Bank would provide legal support to defend such employees/ officers/ directors even after their transfer or retirement / resignation from the Bank’s service till final disposal of such cases.

The Bank will take urgent steps to avoid arrest of staff by seeking anticipatory bail from the appropriate authorities.

The Bank will take urgent steps for grant of bail in case of arrest / imprisonment of employees/ officials.

Arrest of employees/ officers as a consequence of initiating criminal proceedings against defaulters or arising out of bona fide execution of Bank’s work during service period, shall not be treated as a black mark on their performance, rather suitable weightage shall be given for promotion etc.

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II.

III.

5.

The Bank will give due recognition to such employees / officers who have to undergo such hardship in the process of recovery of Bank’s dues due to stern action taken by them towards the defaulters.

The Bank will pay all legal expenses such as court fee, advocate fee (including senior advocate’s fees, if engaged), miscellaneous expenses, transportation as per entitled class, stay & other incidental expenses to be incurred by the officials/ employees even after transfer / retirement / resignation.

Whenever the officials are required to be called by the police / CBI for, interactions, the Bank will arrange for presence of a suitable panel advocate.

The Bank will provide medical, legal & financial support in cases of miscellaneous hazards faced by the officers/ employees viz. physical injury, manhandling etc.

The Bank will also compensate employees / officers in monetary terms at the rate of 10 times the admissible halting allowance per day for the period of arrest/ imprisonment (applicable only in case of serving employees/ officers engaged in NPAs/ AUCAs recovery or cases filed by defaulters).

The support shall also be available to employees/ officers who report fraudulent activity in any account so that the fear of victimization does not act as a deterrent.

Protection under Section 32 of SARFAESI Act 2002: •

No suit, prosecution or other legal proceedings shall lie against any secured creditor or any of his officers or manager exercising any of the rights of the secured creditor or borrower for anything done or omitted to be done in good faith under the Act.

This section provides for protection of action taken in good faith under the SARFAESI Act 2002. Further, under Section 14 of the Act, the CMM or DM has to assist the secured creditor in taking possession of secured assets.

SBI Officers’ Service Rules 1992, Rule 68: •

As per Rule 68 of the SBI Officers’ Service Rules 1992, an officer may be placed under suspension by the disciplinary authority where a case against him in respect of any criminal offence is under investigation, inquiry or trial.

In case where a criminal complaint is filed against an officer engaged in recovery on false and frivolous grounds by the borrower, the competent authority shall examine the case and may take a decision not to initiate disciplinary action/ not to place the officer under suspension even if he is arrested in the criminal case.

Other procedural aspects: i.

The competent authority for administrative approval in the matter will be as under: Cases pertaining to

Competent authority

Employees / Officers in the grade up to the SMGS-V

Dy. General Manager & CDO of the Circle/ Departmental Head not below the rank of Dy. General Manager

Employees / Officers in the grade from TEGS-VI to the TEGS-VII

Chief General Manager of the Circle/ Departmental Head not below the rank of Chief General Manager

Top Executives in the grade of TEGSS-I & above/ Directors of the Bank

Dy. Managing Director (HR) & Corporate Development Officer

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ii.

In case of serving employee / officer, respective controllers of the employee/ official will arrange to take administrative approval from the Competent Authority for providing legal & financial support for cases against the Bank employees / officers.

iii.

In case of retired employees/ officers/ directors, the respective HR department of the LHO/ Corporate Centre/ CC establishment where they are settled after retirement, will be the nodal office.

iv.

After grant of approval, Controllers/ HR Department will refer the matter to the Bank’s Law Department at the LHO / Corporate Centre to identify a suitable advocate for defending the employee/ officer/ director. The fee payable to the advocate will be pre-decided with the panel advocate. However, higher fees can also be paid to eminent lawyers depending on the facts of each case.

v.

Law Department in each LHO will prepare a panel of criminal advocates for the High Court & the Lower Courts.

vi.

The employee/ officer concerned shall pursue the case with due diligence during his service in the Bank. In the event, he/ she retires / resigns before conclusion of the case, the officer concerned shall pursue the case even after retirement / resignation at Bank’s cost.

vii.

Identification of criminal offences on the part of defaulters will be done based on the facts of each case by the following Committees as per Bank’s existing instructions. a

Cases

Committee consisting of

pertaining

i. General Manager of respective Network – Chairman

to R&DB in

ii. Dy. General Manager (Vigilance) – Member

the Circles

iii. Dy. General Manager & CFO – Member iv. AGM (FMC) at LHO – Member secretary

b

Cases

Committee consisting of

pertaining to

i. Respective General Manager-CCGRO – Chairman

CCG

ii. Assistant General Manager (CMD) – Member iii. Assistant General Manager (GB) – Member iv. Chief Manager (GB) – Member secretary

c

Cases

Committee consisting of

pertaining to

i. Chief General Manager (CAG-Central) – Chairman

CAG

ii. General Manager & Branch Head of respective CAG Branch - Member iii. Dy. General Manager & COO – Member iv. Chief Manager – CCG Operations – Member Secretary

d

Cases

Committee consisting of

pertaining to

i. Chief General Manager – SARG – Chairman

SARG

ii. General Manager - SARG - Member iii. Dy. General Manager - SARG - Member iv. AGM/ Chief Manager – SARG – Member Secretary

The committee may be reconstituted with the approval of the DMD of the Vertical. Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

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v.

Reporting, monitoring as well as review of such cases will be done as per Bank’s existing instructions.

vi.

Details of this policy shall be shared with the participants of Training Programmes conducted by our ATIs / SBLCs.

vii.

The migrating groups viz. R&DB, CCG & CAG will coordinate with SARG to identify the cases based on the facts coming to light after migration of accounts to SARG where criminal action can be initiated. The migrating branches will file FIRs with the concerned authorities, provide records and ensure interaction with the police authorities/ CBI whenever required.

viii. Controlling authorities can provide the above protection to other categories of staff also under similar circumstances. ix.

The coverage of each case would be at the discretion of the Bank based on the circumstances and merits of the case. The reimbursements would be only to a reasonable extent as decided by the competent authority on case to case basis. The decision of the Competent Authority shall be final and binding.

AN ILLUSTRATIVE LIST OF ACTS/OMISSIONS BY THE BORROWERS WHICH CONSTITUTE OFFENCE(S): i.

Availing of credit facilities by overstating assets, sale, income & profit by submitting false / manipulated financial statements.

ii.

Drawings from cash credit accounts by submitting false / inflated / manipulated stock and book debt statements.

iii.

Assets to be financed not purchased / created and funds borrowed from the Bank mis-utilised / misappropriated for purposes other than for which the Bank had released the funds.

iv.

Availing of Bank finance by lodging bogus bills for discount by the Bank.

v.

Offering securities of immovable properties for loan by submitting forged title deeds / revenue records.

vi.

Availing of finance from several Banks against the same securities without disclosing finance taken from other bank(s) or misrepresenting that the property or security is free from encumbrances.

vii.

Disposal / removal of pledged / hypothecated / mortgaged assets financed by the Bank without knowledge / consent of the Bank and not depositing or routing the sale proceeds in the accounts maintained with the branch.

viii. Disposal / removal of other securities pledged / hypothecated / mortgaged to the Bank without consent / knowledge of the Bank and proceeds mis-utilised. ix.

Borrowing funds from the Bank by personation.

x.

Falsifying or fabricating books of accounts, entries, vouchers or financial statements.

xi.

Forging signatures of professionals, such as Chartered Accountant /Valuer on certificates or reports.

xii. Dishonour of cheque for insufficiency, etc. of funds in the account. Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

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COORDINATION OF BANK PENSIONERS’ AND RETIREES ORGANISATIONS Flat No. 1103, Block-3B, S.M.R. Vinay Fountainhead, Culvary Temple Road, Hydernagar, Hyderabad - 500 049. A. Ramesh Babu Joint Convener Flat No 1103, Block 3B, S.M.R. Vinay Fountainhead, Culvary Temple Road, Hyderabad 500 049 babu2609Dgmall.com Mobile: 09849381995

K.V.Acharya Joint Convener, 1-208 Vijay Rattan Vihar, Sector 15, Part II, Gurugram 122001 E-mail: acharyavedavyasa46@gmailcdM Mobile: 09868220338

Dated: 23.06.2018 Shri V G Kannan, Chief Executive, Indian Banks' Association, Mumbai Dear Sir, Honible Supreme Court Judgment dated 15.02.2018 Civil Appeal No. 2693 of 2013 — UCO Bank Vis Rajendra Shankar Shukla We wish to invite your kind attention to the above judgment of the Hon'ble Supreme Court. The judgment prima fade deals with the following: 1.

Implication of invoking Regulation 20(3)(iii) at the time of superannuation when the disciplinary proceedings already initiated are pending against an officer

2.

Illegality of awarding any of the penalties specified under Regulation 4 of Officer (Employees) Discipline and Appeal Regulations after an officer has superannuated

3.

Unreasonable and inordinate delay in issuing a charge sheet to an officer while in service is unacceptable

4.

Non payment of Pension after superannuation on the pretext of pending disciplinary case vitiates the proceedings The Hon'ble Supreme court relied on its own judgment in case of UCO Bank and Ors vs Prabhakar Sadashiv Karvade where in it was held that even though a departmental enquiry initiated against an officer employee before its retirement can continue even after its retirement, none of the substantive penalties specified in Regulation 4 of 1979 Regulations which include dismissal from service, can be imposed on an officer employee after his retirement on attaining the age of superannuation. The penalty of dismissal from service to an officer who had superannuated was Ex facie illegal and without jurisdiction.

The Hon'ble Supreme Court also made a reference to another decision in case of UCO Bank and Anr vs Rajinder Lai Capoor. This decision also related to very same Regulation as mentioned above and it was observed by the Court in pars 22 of the report as follows: "The respondent, therefore, having been allowed to superannuate, only a proceeding, inter alia, for withholding of his pension under the Pension Regulations, could have been initiated against the respondent. Discipline and Appeal Regulations were, thus not attracted. Consequently the charge-sheet, the enquiry report and the orders of punishment passed by the disciplinary authority and the appellate authority must be held to be illegal and without jurisdiction." Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

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Accordingly the Hon'ble Supreme Court ordered that it has no hesitation in dismissing the appeal filed by the Bank also on the ground that the punishment of dismissal could not have been imposed on Mr Shukla after his superannuation. It is thus clear that imposing any of the penalties specified under Regulation 4 of Officer (Employees) Discipline Appeal Regulations after the date of superannuation is impermissible and hence illegal. The Hon'ble Supreme Court passed strictures against the Banks for preferring appeasl despite at least two decisions delivered by them making the legal position clear and advised the Banks to follow the law laid down by the Court in the cases of UCO Bank Vs Prabkar Sadashiv Karvade and UCO Bank Vs. Rajinder Lal Capoor rather than unnecessarily litigating against an employee who has superannuated. The Hon'ble Supreme Court while dismissing the appeal of UCO Bank also imposed a cost of Rs. 100,000/- to be paid to Mr. Shukla within four weeks towards legal expenses. In view of the fore going judgments of the Hon'ble Supreme Court, we request you to advised the Banks — a.

Not to award any of penalties specified under Officer (Employees) Discipline and Appeal Regulation 4 (censure to dismissal from service) in case of officers who have already superannuated

b.

Not to initiate the departmental proceedings, if not instituted while the employee was in service in respect of an event which took place more than four years before such institution

c.

Not to initiate the departmental proceedings against an officer in respect of an event which took place more than four years before such institution

d.

Make payment of pension after superannuation even if the disciplinary proceeding are pending against the officer

e.

Not to withhold or withdraw Pension or a part thereof without there being a pecuniary loss to the Bank, conviction of the employee by the Court for offences involving moral turpitude or the Pensioner having been found guilty of grave misconduct as defined under explanation (b) in Chapter IX of Bank Employees Pension Regulations 1995.

f.

Not to withhold the gratuity after superannuation, merely on the pretext of pending disciplinary proceeding unless there exist circumstances as stipulated in Section 4(6) of the Payment of Gratuity Act.

We also request you to initiate the process of carrying out suitable amendments to the Regulations wherever necessary. The clear guidelines to the Banks pending amendments in this regard shall go a long way in avoiding unnecessary litigation, hardship and financial burden to the Retirees. Thanking you Yours faithfully, A. Ramesh Babu

K.V.Acharya

Joint Conveners

ATTENTION

Subscription

Dispatch of Pensioners Musings

Annual Membership subscription (Rs. 400),

Please note that the dispatch of pensioner’s musings will be discontinued In following cases. a)

Those who have not paid annual subscription towards membership as well as for magazine for more than 3 years.

b)

Those members who have paid life time membership for magazine only but not annual subscription for membership for more than 3 years.

and Magazine subscription (Rs.150) is payable in January for every calendar year. We appeal to the members to send subscription along with the arrears, if any. Further, Pensioners Musings will be sent only to the members who pay the Annual Membership subscription along with the subscription for the magazine.

The decision is effective from Jan 2018. Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

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DHARWAD UNIT RE-CONSTITUTED A meeting of SBI Pensioners' Association (K) Dharwad was held on 08/07/2018 at State Bank of India Dharwad Main branch premises. The programme started with the prayer by Sri S.V. Kulkarni. The function was inaguaranteed by watering the plant by all dignitaries Shri S.L. Kulkarni Zonal Secretary Hubli Module was the Chief guest of honour on the occasion. Shri Y.A. Hullal presided over the meeting. Shri M.M. Amarshettar, S.B. Bhandari and A.K. Pujar from Hubli unit also attended the meeting. Shri S.L. Kulkarni spoke on all the latest developments. The house observed two minutes silence to pay respects to the following souls. 1)

M.M. Herial

2)

S.S. Seepri

3)

K.T. Kulakarni and

4)

Mother of Sri G.G. Shanbhag and S.G. Shanhag

The following new members were received to the association 1)

Smt Shobha Narenda and

2)

Shri Surendra Bendigeri

Shri Y.A. Hullar President addressed the gathering. NEW COMMITTEE The committee of SBI Pensioners'Association Dharwad Unit is reconstituted as follows : 1)

Shri R.S. Joshi, President

10) Shri Suresh Gavade

2)

Shri M.N. Hampiholi, Vice President

11) Shri S.G. Savanur

3)

Shri M.V. Hondappanavar, Secretary

12) Shri Pampapati Hiremath

4)

Dr. G.K. Kallihal, Jt. Secretary

13) Smt. Ramola Manjunathayya

5)

Shri Ramesh Tandi, Treasurer

14) Smt. S.B. Karoshi,

6)

Shri K.S. Balabatti, Asst Treasurer

15) Shri S.C. Angadi

7)

Shri A.P. Mulla, Committee Member

16) P.S. Sudambi

8)

Shri Surensra Bendigeri

17) Y.A. Hullar

9)

Shri C.S. Padaki

18) K.Y. Badagandi

Shri M.N. Hampiholi proposed vote of thanks.

WEDDING BRIDE

BRIDEGROOM

MARRIED ON

Chi. Sou Akshatha.V D/o Smt. R.Vijayakumari

Chi.Ry. Nayan Munshi

05-07-2018

Pensioners Musings conveys good wishes to the newly married couple. Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

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July - 2018


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J®èªÀ£ÀÄ ¹éÃPÀj¹zÉ £ÀUÀÄ£ÀUÀÄvÀ ¤£Àß PÀtÚ°è PÀtÂÚlÄÖ D¼ÀQ̽AiÀÄĪÀ ¸ÁºÀ¸ÀªÉ°èAiÀÄzÀÄ £Á¤£ÀÄß DUÀÄAvÀPÀ£É !

¸É°áAiÀÄ° ¸ÉgÉ »rzÀÄ ªÀÄĸÀìAeÉAiÀÄ ¥ÁQð£À° £ÉÆÃqÀĪÁUÀ ªÀÄAeÁzÀ PÀtÄÚUÀ¼ÀÄ ªÀÄĸÀÄPÁzÀ ¸É°á. ¤AwgÀĪɪÀÅ CAa£À° £Á ªÉÆzÀ¯ÉÆà ¤Ã ªÉÆzÀ¯ÉÆà §zÀ¯ÁUÀ¢Ã dUÀªÀÅ - ±ÁAvÀgÁdÄ

DEATH RELIF FUND (Rs. 3,000/- each) PAID SINCE LAST REPORT Sl.No

Mem.No

NAME OF THE DECEASED Pensioner/Family Pensioner/ Associate member

AMOUNT PAID TO

1

106

K.T. Kulkarni

Smt. Rukmini Krishnarao

2

72

M.P. Ranganathan

Smt. R.Vasantha

3

693

R.Natarajan

Smt. K.N.Uma

4

1385

Ramesh. H.Bekwad

Smt. Vanita R.Bekwad

5

2333

Smt. Malliga

Shri. P.Shivamani

SPECIAL DONATION 513

M. Sarada

5000/-

We sincerely thank the above members for their valuable donation. Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

12

July - 2018


ADMISSION OF NEW MEMBERS The following were admitted as members of Pensioners’ Association during June 2018 Sl.No

Mem.No.

Name (Smt/Sri)

Place

Mobile No.

1

4177

Asif H.Antapur

Bangalore

9741537037

2

4178

Sathyanarayana Rao.A

Bangalore

9742800299

3

4179

Manohar.V.Nargund

Gadag

9482164485

4

4180

Arjun Narasing Savanur

Bangalore

9740866111

5

4181

M.Prabhu Dass

Bangalore

9972213933

6

4182

Savitha Prakash

Bangalore

9449207966

7

4183

Anantharao Bheemrao Deshpande

Dharwad

9480430595

8

4184

Satyavati Hanamant kurugodu

Bijapur

9449054352

9

4185

Balachandra M.Meti

Bijapur

7676044834

10

4186

Smt.Mahananda Prakash Patil

Vijayapur

9448644179

11

4187

Rekha Shivappa Dalavai

Belagavi

8867203708

12

4188

P.Venkatesh

Bangalore

9341220910

13

4189

Ramu.R

Bangalore

9845955946

14

4190

T.Dinesh Prabhu

Bangalore

8762209423

15

4191

Smt.Kusuma H.K

Tumkur

9449087153

16

4192

G.S.Ramakrishna

Bangalore

9591777078

17

4193

Narasimhulu.V

Bellary

9738252566

18

4194

Neelu Kannulal Rathod

Kalburgi

08310111151

19

4195

M.P.Roahini

Bangalore

9916502246

20

4196

Shivappa Mallappa Chabbi

Dharwad

9731575352

21

4197

Vasudev Adiga

Bangalore

9448990990

22

4198

H.K.Gururaja Rao

Bangalore

9844221762

23

4199

Achutha K Shettigar

Mangalore

9481759316

24

4200

Shrinivas Bhat.K

Bangalore

8971050800

25

4201

Sadanand Shivaram Bengre

Shimoga

9845826750

26

4202

Ranganath.R

Mysore

9448100670

27

4203

M.RAghavendra.Kini

Mangalore

9844970611

28

4204

G.Rajendra Nayak

Udupi

9448221533

29

4205

Muralidhar Rao BV

Bangalore

7259252382

Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

13

July - 2018


30

4206

Nagaraj M

Bangalore

9901422154

31

4207

Chirashekharayya R Kanti

Kalburgi

9844270232

32

4208

C.V.Srinath

Bangalore

9901675990

33

4209

Sachidananda S Hiremath

Belgaum

9448758811

34

4210

K.S.Sreemathy

Bangalore

9845170422

35

4211

Nanaiah.B.M

Mysore

9449019416

36

4212

Rajendra Motilal Ratan

Belgaum

8660837249

37

4213

Mohammed Ibrahim

Raichur

9986875558

38

4214

S.R.Ukali

Vijayapur

9035930447

39

4215

K.B.Mahadevappa

Bangalore

9880632037

40

4216

Vivekananda Prabhu

Bangalore

9008287763

41

4217

V.V.Shivanaikar

Belgaum

9448964266

We wish all the above Comrades a happy retired life and welcome them to become members of SBI Pensioners Association(K)

OBITUARY MEM. NO.

NAME

DIED ON

106

K.T.Kulkarni

24-06-2018

72

M.P.Ranganatahn

23-06-2018

693

R.Natarajan

07-07-2018

101

L.Menezes

06-07-2018

1385

Ramesh. H.Bekwad

06-07-2018

2333

Smt.Malliga W/o P.Shivamani

17-06-2018

‘Pensioners Musings’ conveys its condolences to the bereaved family and prays to the Almighty to bestow strength and courage on them to bear the loss. May the souls rest in peace.

EDITORIAL COMMITTEE Sri Shantha Raju

Editor

Smt. Vijaya Kathavate

Member

Sri M. G. Venkatesha Murthy

Member

Sri S.L. Kulkarni

Member

Sri G. Sukumar

Member

Smt. Sumana Ram

Member

Smt. M. S. Vijayalakshmi

Member

Sri Puttabasavaiah

Member

Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

14

July - 2018


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Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

15

July - 2018


Licensed to Post without pre-payment License No. WPP-313 Registered No. KA/BGGPO/2575/2017-19 and RNI No. KARBIL/2012/53189 Published and Posted at Bangalore PSO, Mysore Road, Bangalore - 560026 on 27/28th of every month PENSIONERS’ MUSINGS Monthly

July - 2018

Pages 16

Single Copy : Rs.12.50

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Edited, Printed & Published By : Sri Shantha Raju, President

News Letter

on behalf of State Bank of India Pensioners’ Association (Karnataka) State Bank Buildings, St. Mark’s Road, Bangalore - 560 001. Ph : 080-2594 3140 email : president@sbipensionerkar.com secretary@sbipensionerkar.com Website : www.sbipensionerkar.com Published on 25th of Every Month

PRINTED AT : SRIPADMA PRINTERS

15/20, Kanaka Complex, 7th Cross, Srinivasanagar Banashankari 1st Stage Bangalore - 560 050 Ph : 94480 72296

If undelivered please return to : State Bank of India Pensioners’ Association (Karnataka) P.B. No.5456, State Bank Buildings, St. Mark’s Road, Bangalore - 560 001.

FOR PRIVATE CIRCULATION ONLY

Vol.: 7 Issue: 7 PENSIONERS’ MUSINGS

(SÁ¸ÀV ¥À¸ æ ÁgÀPÁÌV ªÀiÁvÀ)æ 16

July - 2018

Pensioners' Musings  

Pensioners' Musings July 2018

Pensioners' Musings  

Pensioners' Musings July 2018

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