Category Archives: All India Jobs

Latest Benefits & Reforms for Central Government Pensioners – July 2025 Update

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Meta Description: Discover the latest updates for Central Government Pensioners in India. Learn about DA hike, notional increment, Unified Pension Scheme, and what to expect from the 8th Pay Commission.

Tags: Central Government Pensioners, DA Hike 2025, Unified Pension Scheme, Notional Increment, 8th Pay Commission, Pension Benefits India, Retirement News 2025


🗞️ Overview

Central Government pensioners in India are set to witness key improvements in their financial and retirement benefits as major updates were announced this July 2025. These include the final Dearness Allowance (DA) hike under the 7th Pay Commission, a new order on notional increment for pensioners, rollout of the Unified Pension Scheme (UPS), and early preparations for the 8th Pay Commission.

Let’s walk through these developments chronologically and understand their impact and way forward.


📌 1. Final DA Hike Under 7th Pay Commission

  • The government is preparing to increase DA and DR by 3% to 4%, effective July 1, 2025.
  • It will be the last revision under the 7th CPC, and employees/pensioners will likely receive arrears by October, around the festive season.
  • This hike will boost monthly pensions, especially for those dependent on DR for inflation protection.

📍 Way Ahead:

  • Stay updated via official Gazette notifications.
  • DA hike will also influence pension fixation under the upcoming 8th CPC.

📌 2. Notional Increment for Retirees (June 30 & Dec 31)

  • Based on a Supreme Court ruling, the DoPT issued an order on July 17, 2025, granting one notional increment to retirees who served until June 30 or December 31.
  • This increment will not change the last drawn salary but will increase the pension calculation.

📍 Way Ahead:

  • Eligible retirees must approach the pension disbursing authority with proof.
  • Benefits apply retrospectively from May 1, 2023, barring court exceptions.

📌 3. Unified Pension Scheme (UPS) Gains Ground

  • UPS, launched on April 1, 2025, offers a guaranteed fixed pension of 50% of average basic salary, minimum ₹10,000/month.
  • Family pension is 60% of the pension amount, with OPS-like benefits including gratuity and death benefits.
  • Despite benefits, only 1.37% of eligible employees have opted in so far.
  • Over 25,000 retirees qualify, but only 7,253 have applied, and 4,978 cases have been processed.

📍 Way Ahead:

  • Government extended the opt-in deadline to September 30, 2025.
  • Pensioners and new retirees should assess benefits and apply via the official portal.

📌 4. 8th Pay Commission – Early Signs of Change

  • Discussions have begun for the 8th Central Pay Commission, which is expected to be implemented from January 1, 2026.
  • While expectations are high, initial reports suggest the hike may be conservative due to fiscal constraints.

📍 Way Ahead:

  • Pensioners should monitor commission developments for new fitment factor, DA formula, and minimum pay matrix.
  • Representation from pensioners’ unions may push for greater parity between OPS, NPS, and UPS beneficiaries.

📌 5. Delays in Pension Disbursement for Special Cases

  • In Kanpur, over 1,300 physically challenged pensioners are facing disbursement delays due to NPCI bank mapping issues.
  • Authorities have given a 15-day resolution deadline.

📍 Way Ahead:

  • Pensioners facing delays should contact local disbursing offices.
  • Ensure bank accounts are correctly linked with NPCI Aadhaar/UPI systems.

🔍 Final Words

The year 2025 brings both hope and caution for India’s Central Government pensioners. The DA hike and UPS rollout offer tangible gains, while the notional increment benefits represent judicial fairness. However, slow adoption and administrative hurdles remain challenges.

As the government prepares for the 8th Pay Commission, pensioners must stay informed and proactive in claiming their entitlements and influencing policy through representation.

U.S. Imposes 25% Tariff on Indian Exports—What’s at Stake & How India Plans to Respond

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🧾 Key Facts

  • On July 30, 2025, U.S. President Donald Trump announced a 25% tariff on Indian imports, effective August 1, coupled with an additional unspecified penalty tied to India’s purchase of Russian oil and military equipment.
  • Trump also criticized India as a “dead economy,” despite bilateral trade reaching $129 billion in 2024, making India his country’s largest Asian partner.
  • Key at-risk Indian export sectors include textiles, gemstones and jewelry (notably from Surat), pharmaceuticals, electronics, and machinery.

📉 Likely Economic Impacts on India

  • Tariffs could undercut the competitiveness of Indian exports—some estimates suggest a 0.3 percentage-point hit to GDP growth in .
  • Exporters in Surat’s gem and textile sector report immediate order disruptions and halted shipments.
  • If tariffs extend to electronics, Apple’s efforts to make India a smartphone export hub may stall.
  • The rupee weakened and equity markets dipped moderately before stabilizing on hopes of continued negotiations.

🔄 India’s Strategic Response

  1. Firm Political Messaging
    Commerce Minister Piyush Goyal reiterated that India will not compromise on national interest. India rejected Trump’s economic jibe, stressing its trajectory as a fast-growing economy and its vision for a self-reliant India.
  2. Diplomatic and Trade Negotiations
    India continues bilateral talks, insisting on fairness and mutual benefit in any agreement. Expansion of U.S. purchases—such as energy and defense goods—remains on the table to defuse tension
  3. Export Diversification & Reform
    Indian policymakers and economists advocate diversifying export markets beyond the U.S.—to ASEAN, EU, and Africa—and accelerating domestic reforms to enhance manufacturing competitiveness.
  4. Avoiding Immediate Retaliation
    Rather than impose counter-tariffs, India is prioritizing dialogue. Industry insiders say selective tariffs on U.S. goods are under consideration but not imminent.
  5. Sectoral Resilience Strategies
    The pharma sector claims that U.S. healthcare may be hit more than India as drug costs rise—highlighting India’s ability to pivot to alternate markets or supply chains.

Conclusion

While the 25% U.S. tariff poses serious risks—especially to textiles, jewelry, electronics, and pharma—India is responding with strategic diplomacy, measured resilience, and a push for export and investment diversification. By refusing to concede on core demands and keeping negotiation channels open, India is positioning itself not just to withstand the shock but to emerge stronger.


#SSCMisManagement: Chaos, Protests & Demand for Reform – What Really Happened?

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In a major uproar shaking India’s competitive exam landscape, the hashtag #SSCMisManagement has gone viral across social media. Thousands of aspirants and teachers have taken to the streets, particularly in Delhi, to protest against what they call the gross mishandling of the SSC Selection Post Phase 13 exams, held between July 24 and August 1, 2025.

Students faced issues such as last-minute exam cancellations, poor center coordination, and even rude treatment at test sites. The situation escalated with videos surfacing from Jantar Mantar and CGO Complex, showing peaceful protesters being forcefully removed, sparking outrage online.

Popular SSC educator Neetu Mam has also voiced strong criticism, further fueling the movement and drawing national attention.

The protests have revived questions about accountability and transparency within national-level recruitment bodies. With millions of lives affected by such exams, aspirants are demanding an immediate explanation and reform from SSC officials.

📍 Chronological Timeline of Events

  1. 📅 July 24, 2025 – Start of Phase 13 Exams
    • The SSC Selection Post Phase 13 recruitment exams began across various centers in India.
    • Students were hopeful for a smooth process amid high competition.
  2. 🚨 July 24–30, 2025 – Mismanagement Issues Surface
    • Reports of technical glitches, abrupt cancellations, and delays at several centers.
    • Candidates highlighted poor communication and mistreatment by center staff.
  3. 📸 July 30, 2025 – Videos & Complaints Go Viral
    • Aspirants and educators shared videos of long waits, chaos, and alleged misconduct.
    • The hashtag #SSCMisManagement began trending on Twitter and Instagram.
  4. 📢 July 31, 2025 – “Delhi Chalo” Protest
    • Hundreds of students and teachers assembled at Jantar Mantar and CGO Complex in New Delhi.
    • Prominent teacher Neetu Mam joined the protest, adding credibility and reach to the movement.
  5. ⚠️ Same Day – Tension Escalates
    • Protesters reported lathi charges and crowd mismanagement by Delhi Police.
    • Multiple news portals covered the incident; public support surged online.

🔍 Key Allegations by Aspirants

  • ❌ Sudden exam cancellations without prior intimation
  • 💻 Server failures and technical issues mid-exam
  • 🧾 Discrepancies in admit cards and center allotments
  • 😠 Alleged misbehavior by exam officials
  • 📉 Lack of communication from SSC headquarters despite repeated outreach

🗣️ Voices from the Ground

  • Aspirants: “We studied for years, and this is how we’re treated?”
  • Educators: “We’re not asking for favors—just fairness and transparency.”
  • Social Media Users: “Reform SSC now! This is unacceptable for a national exam body.”

🔥 Why #SSCMisManagement Went Viral

  • Real-time protest videos created emotional engagement
  • National relevance due to SSC’s large aspirant base
  • Powerful social media amplification by well-known educators
  • Symbolic protest during the high-stakes exam window

Trending Keywords: SSC protest 2025, SSC Phase 13 exam controversy, #SSCMisManagement, Neetu Mam SSC protest, Delhi Chalo SSC


Tags: SSC 2025, Government Exams, Student Protest, #SSCMisManagement, Neetu Mam, Education News, Delhi News, SSC Exam Reform


  1. #SSCMisManagement: Chaos, Protests & Demand for Reform – What Really Happened?
  2. Delhi Chalo for Justice: SSC Aspirants Rise Against Exam Mismanagement
  3. Nationwide Uproar Over SSC Phase 13 Exam Failures – Students Say “Enough Is Enough”
  4. SSC Exam Disaster: Viral Hashtag #SSCMisManagement Shakes the System
  5. From Exam Halls to Protest Grounds: The Explosive #SSCMisManagement Movement Explained
  6. Why SSC Aspirants Are Protesting Across India – A Full Breakdown of the #SSCMisManagement Storm
  7. Exam Dreams Shattered: Inside the Viral #SSCMisManagement Uprising
  8. SSC Protest 2025: What Triggered the #SSCMisManagement Movement?
  9. Students vs System: How #SSCMisManagement Sparked a National Outcry
  10. From Confusion to Confrontation: The Story of SSC Phase 13’s Viral Backlash

Top AI Tools in India 2025 That Beat ChatGPT – BharatGPT, Claude & More

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📅 Updated on: July 27, 2025 | ✍️ By: Indrajit Chakraborty

AI Tools India, ChatGPT Alternative, BharatGPT, Study AI Tools, Free AI in India


🇮🇳 Why India Is Obsessed With AI Tools in 2025

In 2025, AI is no longer futuristic—it’s personal, local, and Indian. From students using AI for NEET/UPSC prep to small business owners crafting content in Hindi or Tamil, AI tools are transforming lives across the country.

But here’s the catch: ChatGPT is not the only player anymore. Indians are now turning to smarter, faster, and often desi-made ChatGPT alternatives—and they’re going viral!


🔥 Trending Now: Most Used AI Tools in India:

🎯 How Indians Are Using AI Every Day

  1. 📚 Students: Generating notes, mock tests, concept explainers for UPSC, JEE, NEET, Board exams.
  2. 📹 Creators: Writing video scripts, reels captions, and blog ideas in Hindi, Marathi, Tamil, etc.
  3. 👨‍💼 Professionals: Drafting resumes, reports, and emails within seconds.
  4. 👩‍🌾 Farmers: Using AI bots for agri advice and crop disease detection in local dialects.
  5. 🏪 Shop Owners: Creating product ads and catalogues even without English knowledge.

🚀 Why ChatGPT Alternatives Are Winning in India

✅ Support for regional languages
✅ Lower cost or free forever plans
✅ Better tuning for Indian syllabus, exams & businesses
Voice + Text AI chat options
✅ Lightweight for low-data phones & 3G/4G users


💬 Real People. Real Results.

“I cracked NEET with help from AI mock tests created using BharatGPT!”
Rekha, Class 12, Kota

“BharatGPT writes all my product descriptions in Hindi. It feels like I’ve hired a full-time copywriter!”
Ashok, Local Online Seller from Patna


📈 Top 10 Keywords to Rank High in Google (Use in Your Blog)

  • Free AI tool for Indian students
  • BharatGPT vs ChatGPT
  • ChatGPT alternatives 2025 India
  • AI exam tool NEET UPSC
  • Desi AI chatbot for Hindi
  • AI for Indian YouTubers
  • Claude vs ChatGPT in India
  • AI tools for small business India
  • Perplexity AI in Hindi
  • AI that speaks Indian languages

🌐 Where to Try These AI Tools Today:

✨ Bonus: Best Use Prompts for Indians

📚 For Students

“Explain Thermodynamics Class 11 in simple Hindi.”
“Create 5 MCQs on Indian Polity for UPSC.”

🛒 For Shop Owners

“Write a product description in Hindi for a pressure cooker.”
“Generate Instagram post in Hinglish for sale event.”

📽️ For Creators

“Write a 30-second script on mental health in Tamil.”
“Suggest trending YouTube Shorts titles in Hindi.”


🔔 Pro Tips for Maximum Benefit

  • Use AI during off-peak hours for faster response
  • Combine voice + typing for hybrid experience
  • Use desi prompt language for better results
  • Save outputs directly for revision or reuse

🙌 Final Words: The AI Revolution Is Indian Now

India is not just consuming AI—it’s creating it. If you haven’t tried BharatGPT or Krutrim yet, you’re missing the desi twist on global tech. AI is now for students, farmers, homemakers, and entrepreneurs—no tech background needed.

So whether you’re a NEET aspirant in Kanpur or a YouTuber in Chennai—there’s an AI tool built just for you.

Similar Articles:

  1. Best ChatGPT Alternatives for Indians in 2025 – Free, Local & Smarter
  2. BharatGPT vs ChatGPT – Which AI Tool is Better for Indian Users in 2025?
  3. AI Tools Revolutionizing India in 2025 – Students, Creators, Shopkeepers!
  4. Free AI Tools Every Indian Should Use in 2025 (Hindi, UPSC, YouTube & More)
  5. Top Desi AI Tools for Hindi & Regional Languages – ChatGPT Alternatives in India
  6. AI for India 2025 – Best Free Chatbots & Tools for Exams, Business & Content
  7. Claude, BharatGPT or Gemini? India’s Top AI Picks of 2025
  8. AI Tools That Speak Hindi! 2025’s Best ChatGPT Alternatives for India
  9. From UPSC to YouTube – How Indians Are Winning with AI Tools in 2025

BSF Constable (Tradesman) Recruitment 2025 – Apply Now for 3588 Posts

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BSF Tradesman Vacancy 2025, BSF Constable Jobs, 10th Pass Govt Jobs India

🛂 Overview

The Border Security Force (BSF) has invited applications for 3588 Constable (Tradesman) posts in trades such as Cook, Sweeper, Washerman, Tailor, Cobbler, Barber, etc.

📌 Key Dates

  • Start Date: July 1, 2025
  • Last Date to Apply: August 24 or 25, 2025 (depending on state)
  • Physical Test & Written Exam: To be announced

🧾 Eligibility

  • Education: 10th Pass from a recognized board
  • Trade Certificate: Required in applicable trade (e.g., ITI, NCVT preferred)
  • Age Limit: 18 to 25 years
    • Relaxations: 5 years for SC/ST, 3 years for OBC

💼 Vacancy by Trade

Approx. Posts

Cook – 1000+

Sweeper – 600+

Washerman – 500+

Barber -400+

Cobbler -300+

Tailor- 300+

Others- Remaining

📝 Selection Stages

  1. Physical Efficiency Test (PET)
  2. Physical Standards Test (PST)
  3. Trade Test
  4. Written Exam
  5. Medical Test

💰 Salary Structure

  • Pay Level-3: ₹21,700 – ₹69,100 per month + Grade Pay + Uniform & Risk allowances

🌐 Application Process

  • Visit: https://rectt.bsf.gov.in
  • Click on “Apply for Constable Tradesman 2025”
  • Upload documents, trade certificate, photograph, etc.

RRB Technician Recruitment 2025 – 9000+ Posts for 10th/ITI Pass

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RRB Technician 2025 Notification, Railway Jobs for ITI, RRB Recruitment India

🚨 Key Highlights

The Indian Railways Recruitment Board (RRB) has released the official notification for RRB Technician 2025, offering over 9000 technician posts in Grade 1 and Grade 3 categories.

📌 Important Dates

  • Application Open: June 20, 2025
  • Last Date to Apply: August 7, 2025 (11:59 PM)
  • Fee Payment Window: Till August 9, 2025
  • Exam Schedule: October–November 2025 (tentative)

📄 Eligibility

  • Technician Grade 1 (Signal): B.Sc. in Physics/Electronics or Diploma in Engineering
  • Technician Grade 3: 10th Pass + ITI in relevant trades
  • Age Limit:
    • Grade 1: 18–33 years
    • Grade 3: 18–30 years
    • Age relaxations apply for SC/ST/OBC/PWD

🧾 Vacancy Split (Expected)

  • Grade 1 Signal: 3000+
  • Grade 3 (All trades): 6000+

📝 Selection Process

  1. Computer Based Test (CBT)
  2. Document Verification
  3. Medical Test

💰 Salary

  • Technician Grade 1: ₹29,200/month
  • Technician Grade 3: ₹19,900/month + perks

🌐 How to Apply

  • Official portal: https://www.rrbapply.gov.in
  • Register > Fill details > Upload photo/sign > Pay fee
  • Submit before last date and download application copy

IB ACIO Recruitment 2025: Apply for 3717 Executive Posts – Eligibility, Dates, and How to Apply

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IB ACIO Recruitment 2025, Intelligence Bureau Jobs 2025, Graduate Government Jobs India

🔍 Overview

The Ministry of Home Affairs (MHA) has announced the IB ACIO Grade-II/Executive Recruitment 2025 for 3717 vacancies across India. This is a golden opportunity for graduates looking for a challenging and secure career in India’s intelligence services.

📌 Important Dates

  • Application Start: July 10, 2025
  • Last Date to Apply: August 10, 2025
  • Last Date for Fee Payment: August 12, 2025
  • Exam Date (Expected): September–October 2025

📄 Eligibility Criteria

  • Education: Bachelor’s Degree in any discipline from a recognized university.
  • Computer Proficiency: Basic computer knowledge is mandatory.
  • Age Limit: 18 to 27 years as of August 10, 2025.
    • Relaxation: 5 years for SC/ST, 3 years for OBC, and others as per government rules.

💼 Vacancy Details

Category wise Vacancies:

General- 1500+

OBC – 950+

SC/ST – 900+

EWS300+

📝 Selection Process

  1. Tier 1: Objective Written Exam (General Awareness, Reasoning, Quant, English)
  2. Tier 2: Descriptive Paper (Essay & Precis Writing)
  3. Tier 3: Interview
  4. Medical Examination & Document Verification

💰 Salary

  • Pay Level: Level-7 (Rs. 44,900 – 1,42,400) + allowances

🌐 How to Apply

  • Visit: https://www.mha.gov.in
  • Fill online application under Recruitment > IB ACIO Executive 2025
  • Upload documents, pay fee and submit form

Govt Job Opportunities for Psychologist

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✅ Exam & Recruitment List for Government Jobs

🏥 1. National Health Mission (NHM) / District Mental Health Programme (DMHP)

    Post: Clinical Psychologist / Counsellor

    Eligibility: RCI registered psychologist

    Recruitment Mode: State-level NHM websites or health departments

    Frequency: As per vacancy (contractual and permanent)

🧠 2. RINPAS / CIP Ranchi / NIMHANS / LGBRIMH / IHBAS / NIEPID

    Post: Clinical Psychologist / Rehabilitation Psychologist / Counsellor

    Recruitment Mode: Direct recruitment through institutional websites

    Eligibility: RCI registration required

    Frequency: Regularly advertised on institutional websites

🧑‍⚖️ 3. Child Protection & Women Welfare Departments

    Post: Counselor / Psychologist at One Stop Centres, CWC, JJB, etc.

    Recruitment Mode: State Women and Child Welfare Department

    Eligibility: PDCP + RCI Registration preferred

    Frequency: State-wise notification

🧑‍🏫 4. Kendriya Vidyalaya Sangathan (KVS) / Navodaya Vidyalaya Samiti (NVS)

    Post: Counselor / PGT Psychology

    Recruitment Mode: KVS/NVS official recruitment exams

    Eligibility: PG in Psychology or PG Diploma + experience

    Exam Pattern: Written + Interview

🧑‍🔬 5. Indian Council of Medical Research (ICMR) / DRDO / DST Projects

    Post: Research Associate / Assistant / Project Fellow

    Recruitment Mode: Project-based contract via official portals

    Eligibility: PG with psychology background + experience

    RCI license is a bonus

🧑‍⚖️ 6. UPSC & SSC

    Post: Assistant Psychologist, Welfare Officer, Research Assistant (in ministries like Social Justice, Education, Health)

    Exams:

        SSC CGL (Group B and C posts)

        UPSC Assistant Psychologist (as per notifications)

    Eligibility: Graduation or postgraduation with relevant experience

🛡️ 7. Indian Armed Forces / Police / Paramilitary Forces

    Post: Psychologist / Counselor for SSB, CRPF, BSF, ITBP

    Recruitment Mode: Direct applications / deputation basis

    Eligibility: Experience in trauma counselling or clinical psychology

    Apply through: MHA or departmental notifications

📚 8. UGC-NET (Optional for Academic/Teaching Jobs)

    Post: Assistant Professor in Psychology

    Eligibility: MA/MSc in Psychology + NET

    PDCP alone not eligible, but useful if you’re pursuing higher studies

Payment of Pension to Government Pensioners:  RBI Latest News Apr 2025

Very recently Reserve Bank of India published a notification regarding clarifications on various questions frequently asked by pensioners.

In this article we provide you the complete content of RBI circular. Pensioners and family members need to go through the post completely.

“Payment of Pension to Government Pensioners
(Updated as on April 01, 2025)
Scheme for Payment of Pension to Central Government Pensioners by

Authorised Banks:

Payment of pension to retired government employees, including payment of basic pension, increased dearness relief (DR), and other benefits as and when announcedby the governments, is governed by the relevant schemes prepared by concerned Ministries/Departments of the Government of India and State Governments. RBI has issued certain instructions in this regard which is available in the Master Circular – Disbursement of Government Pension by Agency Banks dated April 01, 2025. Clarifications, in the form of questions and answers, on certain issues related to the instructions issued by RBI is given below.

1. Whether a Joint Account can be continued for family pension after death of a pensioner?

Yes, the banks should not insist on opening of a new account in case of Central Government pensioner if the spouse in whose favour an authorization for family pension exists in the Pension Payment Order (PPO) is the survivor. The family pension should be credited to the existing account without opening a new account by the family pensioner for this purpose.

2. When is the pension credited to the pensioner’s account by the payingbranch?

The pension paying banks credit the pension amount in the accounts of thepensioners based on the instructions given by the Pension Paying Authorities.

3. Can the pension paying bank recover the excess amount credited to thepensioner’s account?

(a) Agency banks are requested to seek guidance from respective PensionSanctioning Authorities regarding the process to be followed for recovery of excess pension paid to the pensioners, if any.

(b) Where excess pension payment has arisen on account of mistakes committed by the bank, the amount paid in excess should be refunded to the Government in lump-sum immediately after detection of the same and without waiting for recovery of any amount from the pensioners.

4. Should acknowledgement be given by pension paying banks whileaccepting Life Certificates from pensioners?

There have been complaints that life certificates submitted over the counter ofpension paying branches are misplaced causing delay in payment of monthly pensions. In order to alleviate the hardships faced by pensioners, agency banks were instructed to mandatorily issue duly signed acknowledgements. They were also requested to consider entering the receipt of life certificates in their CBS and issue a system generated acknowledgement which would serve the twin purpose of acknowledgement as well as real time updation of records. Banks may provide digital acknowledgements in respect of digital life certificates submitted by the pensioners.

5. Is it possible to submit life certificates without visiting the branch?

Yes, pensioners can submit life certificates without visiting the branch using Jeevan Praman provided the Pension Sanctioning Authority is on boarded on the platform. Further, banks have also been advised to provide super senior citizens (pensioners over 70 years of age) and differently abled or infirm persons (having medically certified chronic illness or disability) including those who are visually impaired, the facility to submit life certificate at the premises/ residence of such customers.

6. Can a pensioner withdraw pension from his/ her account when he/she is notable to sign or put thumb/toe impression or unable to be present in the bank?

Yes, instructions have been issued by RBI to pension disbursing banks to allowwithdrawal of pension by following certain procedures which are given below:
Withdrawal of pension by old/ sick/ disabled/ incapacitated pensioners

(i) In order to take care of problems/ difficulties faced by sick and disabled pensioners in withdrawal of pension / family pension from the banks, agency banks may categorise such pensioners as under:

(a) Pensioner who is too ill to sign a cheque / unable to be physically present in the bank.

(b) Pensioner who is not only unable to be physically present in the bank but also not even able to put his/her thumb impression on the cheque/ withdrawal form due to certain physical defect / incapacity.

(ii) With a view to enabling such old/sick/incapacitated pensioners to operate their accounts, banks may follow the procedure as under:

(a) Wherever thumb or toe impression of the old/sick pensioner is obtained, it should be identified by two independent witnesses known to the bank, one of whom should be a responsible bank official.

(b) Where the pensioner cannot even put his/her thumb/ toe impression and also would not be able to be physically present in the bank, a mark can be obtained on the cheque/withdrawal form, which should be identified by two independent witnesses, one of whom should be a responsible bank official.
The responsible bank official has to be from the same bank, preferably from the same branch, where the pensioner is having his/her pension account.

Agency banks have been asked to display the instructions issued in this regard on their notice board at the branches so that sick and disabled pensioners can make full use of these facilities.

7. How the payment of Dearness Relief at revised rate is to be paid to thepensioners?

The pension paying agency banks have to revise the Dearness Relief based on the copies of government orders provided by government to them through post, fax, e-mails or by accessing the information from the website of the concernedgovernments, and authorize their pension paying branches to make payments to the pensioners immediately.

8. Whether a pensioner is entitled for any compensation from the agencybanks for delayed credit of pension/ arrears of pension?

Yes, pension paying banks should compensate the pensioner for delay in crediting pension/ arrears thereof at a fixed interest rate of 8 per cent per annum for the delay after the due date of payment. This compensation should be credited to the pensioner’s account automatically without any claim from the pensioner on the same day when the bank affords credit for revised pension/ pension arrears, in respect of all delayed pension payments made since October 1, 2008.”

Hope this article will be useful to all pensioners. Kindly share with your known one.

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