Retirement - The Conclusion of a Long

Journey in Life
I had an eventful career in MYBANK for 38 years between 1974 and
2012, benefiting several opportunities and overcoming several
challenges..
I retired from MYBANK (albeit "honourably") on 31-12-2012. My
terminal dues were settled immediately having regard to post I held
in the union. What were my feeling when I retired? How did I looked
upon my future life away from the environment of the active and
event-crowded past career?
The pages on this article on "Life After Retirement" portrays the
graphic feeling on the eve of this memorable day and the efforts I
am eagerly making for an equally active life in the post-retirement
phase, despite my health getting impaired on account of a multiple
ailments . I thereafter temporally settled( after retirement form
union on 11-8-2014) daughter along with my wife at Bangalore
with my children, with whom I was separated for more often during
my 33 year union span in the long 38 year bank span .
It is now my ardent desire to be less of a burden (dependence) on
others and to be of as much of serviceable as possible to my fellow
bankmen (serving and retired) that I could strive for. These web
pages are my humble response towards my finding an answer to
this goal. It is my desire to make my article dynamic and include at
least one page on every working day. MYBANK has provided me
sufficient resources to look after my remaining years. My quest now
will be the pursuit of KNOWLEDGE and objective is for SERVICE to
fellow bankmen.
A man in profession, or in service as an executive or executive in
bank union , in a reputed organization earns and gathers a wealth
of knowledge and experience over his long tenure of his career
secured from real life situations and interactions with hundred of
distinguished persons. This knowledge accumulation is the asset
that I will be depending upon in the second phase of my career i.e.
the remaining years of my retired life. This is a wealth that can be
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preserved and promoted only by continuously using it and sharing

it. Stored and kept dormant it fades and depreciates fast.
The articles on 'Life After Retirement' consists of eight pages
followed by an epilogue. The first eight pages deal about retirement
in general and the epilogue is devoted to share my thoughts
regarding my own planning for my remaining years. I am also once
again annexing my epilogue on my retirement from the workers
union of MYBANK.

http://www.scribd.com/doc/240270476/BOOK-PDF
It is projected that the present pattern of improved longevity in life,
and low fertility will result in the next 20 years in the aged people
forming a majority of the population in western countries. However
it may take some more decades for this situation to develop in
India.
Consequently problems of the aged and the social effects of looking
after large number of surviving older people in our society, have
become an urgent and important topic for analysis and discussion.
The United Nations General Assembly is seized of this problem, so
also several associations of and for Senior Citizens. Diverse
dimensions of this problem are therefore described and analysed in
the accompanying web pages in the initial chapters, while my own
personal plans are incorporated in the "Epilogue".
The Place of Senior Citizens in future Society
It will appropriate to dwell on the emerging composition of our society,
concurrently in the Western Countries, but with definite signs to overtake in
India also. In the coming decades our society may consist of 40% of
population in the category of senior citizens, 25 to 30% younger generation
still attending schools and colleges, and only the remaining members of the
population engaged in active service, business or industry. This is what
Mr.John feels, who retired a couple months back.

Mr.John retired after 40 years of service at his age of 60. His wife younger to
him by three years had however sought and availed voluntary retirement
about three years back. The parents of Mr.John (both) in their mid-eighties are
still alive. Presently the active members of the family are the son and
daughter-in-law of Mr.John, both in their mid-thirties. They have two children
aged 11 and 9 both school-attending. Thus in the family of eight members
there are four senior citizens, there are two children. But only two adult
members in their prime of life. Fifteen years from now the John's son with his
wife will retire from service. At that time their grandparents (parents of
Mr.John) may not be surviving, but most likely Mr.John and his wife will.
Three decades back when the parents of Mr.John were in service, things were
different. They had four children. Their parents were no more. In those days it
was normal for people to have 3 to 5 children; the average life span at those
times was between 50 and 60. Only few people out-lived the age of 60 and
had a retired life.
This brings to forefront the role and the problems faced by senior citizens in
society, how they can be of fewer burdens to society and be of more use etc.
While the society still looks after them and provide them a sense of
contentment and satisfaction, they must also be ensured to feel that they do
play an useful role in the last span of their life.
These thoughts are projected in the ensuing pages, in the context of my
entering the domain of senior citizens after retirement in the year 1996. The
consideration of a programme for my old age is relegated to the background
and discussed only as the epilogue. The first seven chapters are devoted to
focus on the emerging issues relating to the life of senior citizens in our
society.
Onset of Retirement - The Initial
Uneasiness
My Reflections on the Day of Retirement
The occasion when an employee retires from service on reaching
superannuation is an extraordinary event in his life. It completes an
era of growth and achievement of continuous progress in a
memorable career with social prominence all through his life. A long
voyage has ended, but now at the end he is dropped to an uneasy
and unexplored future with the immediate question hanging What
Next?" To bid farewell to & a parting salutation to the Institution of
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which he remained an integral part all along is indeed an arduous

experience in his life. It was a busy career all through, every day
starting immediately on getting up, when he used to think of the
day's job to be attended and mentally scheduled a programme of
activities according to priority. He is now at the threshold of a
transformation in the journey of his life after the fulfillment of a
momentous trek. There is in turn a lurking fear and feeling of
emptiness in the content of his future and a spirit of forced
loneliness in this world, loneliness not due to lack of kinsmen or
friendly community, but due to lack of a justifying purpose or
programmed activity to provide self-esteem and importance. The
thought of the future daunts him.
"So important was I all along and now how I am to fill up the 24
hours of the day with a productive schedule of activities? Is the
transition from a busy working life to retirement going to be
traumatic with wilderness of empty days to gaze? At home the
housewife is ever busy with her daily routine. The children go away
to school. On return they have their studies to fill up their time
gainfully. Everyone in this world is busy and has a job to attend. But
how am I to make myself fruitfully occupied and make life
worthwhile and my existence justifying?" This question haunts his
feeling.
This follows an assessment or self-actualization. He had spent the
active part of thirty to forty years of his prime life representing his
dynamic years with this organization in company of several
colleagues and has secured a distinct identity, a unique personality
as a working Banker and as a member of the MYBANK family. Now
has he to relinquish all this with the end of his career with this
organization once for all? Or is it only with reference to the
contractual obligation inherent in his employment? Will any more
positive relationship linger retaining his bonds and linking him to a
new phase of affinity with the organization? Has he still a role to
play in relation to MYBANK as a deeply interested well wisher and
ardent supporter of the bank? In return can he look back at
MYBANK as equally interested in his welfare and social security in
his retired life? Will the Bank to which he sacrificed the entire
resources of his prime energetic life find a way to remember and
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recognise him? Or he has been discarded on becoming old and

infirm and rejected as a scrap no longer of any value?
But what should be his own attitude to life and vision of his future?
In the domestic front the younger generation has come of age, with
grand children assuming a formative role and his own children
accepting elderly responsibility. He has to adjust to the new realities
at Home and accustom himself to a limited role and secondary
responsibility. What attitude he must bear to his life in such a
context? Here is an answer.
"Life after 60 should not be looked as an end of a lifetime's
work. It should be seen as the beginning of a new chapter. It
should not be seen like climbing down a hill after having
worked hard to climb up the steep slope of life. It should be
viewed as another climb, gentler this time with more time for
living, loving and caring. You are a treasure house of
experience. You can impart that experience to the
youngsters around you. View your life with an up-beat
positive attitude.
All over the world people over 60, are being regarded in a new and
positive light, and rightfully so. The quality of health care has
increased and with it the quality of life itself has become better. Life
after 60 should not be taken as just a time to sit back and watch
flash backs, or pretend to be a 20-year-old. There is nothing wrong
in sitting back but it should be done so in satisfaction and comfort.
You can now look at your children and appreciate the efforts they
make to stand on their own.
In Australia, Germany and US, retired people have formed
organisations, which are sending representatives as political parties
to represent them in Parliament and take an active role in the
governance of the country. It is high time Indians followed suit."
(Source - web site -http://www.seniorindian.com)
Knowledge and experience matured as wisdom and tenacity are his
principal assets now. Retirement represents the end of contractual
relationships with the former employer. But it does not terminate
the emotional or psychological link or loyalty to the Organization.
5

Physically the resources of the employee may have started slowing

down, but intellectually his talents are not lost. He is a knowledge
worker and not a physical toiler. The organization still remains a
part of his life. Certain benefits still continue to be accessible to the
retired employee from the erstwhile organization he served. He
should now make common cause with the like of employees who
have also retired after serving the Bank for a life-term and forge a
new phase in their relationship with the organization. It is ideal that
all these former employees of the Bank explore and find a forum for
the convergence of their talents and planning the course of future
activity of life at least in part with the goals and objectives of the
organization in a new standard of relationship linked by their
knowledge resource of special significance to the Bank and instinct
loyalty resulting from long term association, as senior citizens of the
Organization as well as that of the nation. , . While in service, as he
was an employee bound by rigid conduct regulations, bipartite
settlements and service conditions he could not on any policy
matter express anything, but the directed official brief. Now he is a
professional to the full core. He can freely express his independent,
but positive and constructive views on any matter of interest to the
institution, the industry and the country backed by the maturity and
authority of his wide experience and wisdom.
Associations of Retired Employees
Associations of retired employees are recognized everywhere all
over India, by the Central/State Governments, the Defence
establishments, Posts and Telecommunications, the Railways etc.
Former employees of all these bodies have formed themselves into
their own individual organizations. The Government of India has
constituted Standing Committee of Voluntary Agencies (SCOVA)
which came into existence on 31.07.1986 to deal and interact with
these pensioners' associations. The rationale of the committee is
stated by the Government as "to provide input for making decision
on matters more responsive to public needs".
"The Members of the Committee (SCOVA) are selected from the
well-known and active organisations of pensioners representing
various interests like Ex-servicemen, Central Government, Railway,
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and P & T Pensioners. The term of non-official Members is for a

period of one year on completion of which the SCOVA is
reconstituted. TA/DA at prescribed rates are paid to SCOVA
members for attending the meetings.
The SCOVA meeting provide an interface between pensioners
association and official members of the major departments of
Government of India .The meetings have a structured agenda and
this agenda is drawn up in consultation with the Associations. The
exchange of views in these meetings have been found to be fruitful.
The proceedings of the meetings are circulated to the participants
and action is taken by the department on the issues discussed at
the meetings"
The objectives set for the meeting with SCOVA are defined as
under:
To provide feedback of programme implementation of the
Department;
To discuss and critically examine new policy initiatives; and
To mobilise voluntary efforts to supplement the Government
action.
(Source: Website of Govt. of India -Dept of Personal, Public
Grievance & Pension)
Getting membership of an association provides a bridge to link him
with the past career and activities. But what about the other distinct
problems of old age that the retired employee may face in his new
environment? Here again please ponder awhile and look at the
realities. The world is wide and large. Longevity has come to stay in
all countries. This century has been witness to a silent revolution unseen, unheard, and yet so close. The biggest achievement of the
century is longevity. All over the world life expectancy has risen,
leading to a sharp rise in the number of older persons. In India life
expectancy has gone up from 20 years in the beginning of the
century to 62 years today. Better medical care and low fertility have
made the elderly the fastest growing section of society. In France, it
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took 120 years for the gray population to double from 7 % to 14 %.

But in India, the gray population has doubled in 25 years!
The story in figures:
1901 -- 12 million older persons.
1951 - 19 million
1999 - 70 million.
By 2025, this gray population will be a whopping 177 million!
While the numbers have gone up, quality of life has gone down.
Industrialization, migration, urbanization and westernisation have
severely affected value systems. The erstwhile joint family, the
natural support system, has crumbled. The fast-changing pace of
life has added to the woes of the older person. Worldwide countries
have given attention to the problem of the aged. The United
Nationals General Assembly has passed a Resolution stressing the
rights of the older generations in all member countries. (United
Nations Principles for Older Persons adopted by the UN General
Assembly December 16, 1991 - Resolution 46/91) (Text of the
Resolution in Annexure -4). An Organization styled "International
Senior Citizens Association" has come into existence in Los Angeles
(California) USA long back and has enunciated its historical
proclamation of Senior Citizens Rights as early as 1974. It has
enunciated the following five fundamental rights of older citizens:
1. Old people are entitled to physical existence and welfare;
2. Old people have the right to economic existence and welfare;
3. Old people have the right to social existence
4. Old people have the right to cultural existence;
5. Old people have the right of themselves;
In Western countries the inherent provisions for social security
embedded in their system looks after the health care and other
problems of the aged. Such in-built safeguards are not yet available
in the developing countries. In India the governments both at the
8

Centre and the States, several Public and Non-Government

Organizations have come forward to ameliorate the problems faced
by the senior citizens. All these developments immensely warrant
that the senior citizens in the first instance organize themselves in
identifiable groups based on their past career or service
organisation and represent themselves properly to secure their
interests.
The retired employees of MYBANK coming forward to organize
themselves into a welfare association must have distinct aims and
objectives. What are the priorities of life in this new environment for
the retired bank employee?
The first priority is to regain and continue his identity in society as a
professional banker. He may be an ex-officer or ex-employee for the
Bank, but he is not to become an ex-banker or ex-professional. He
must protect, preserve and update his skill and knowledge base. His
contribution must be available to the knowledge capital of the
country. He should not allow the wealth of his knowledge to dwindle
or erode. And he should not be allowed to be discarded as a spent
force with no residual value. He must be made to form part of the
active elite, in particular banking professionals of the country taking
keen interest in the current developments in finance and banking.
The end or goal of knowledge and skill lies in its utilization. It is
here the primary role of the Association of retired bank employees
must consider. Knowledge is like a candle burning. As long as it
burns it sheds a glow and emits radiance. But once smothered it is
lost and gone. A couple of years of drifting and time misspent in
effortless pursuits, the former banker no longer retains his
knowledge bank and turns senile and adds to the human scrap of
the society. How to find a source for retention, application and
productive demonstration of the knowledge and expertise possessed
by these employees? The Association is an inspiration to accomplish
this goal.
The other priorities should be health, physical activity and
relaxation, family, friends and financial comfort. Because health is
the top priority, a far greater attention needs to be endowed to this
subject. This is an area where neglect or inattention may cost
9

dearly. The retired employee should gather all tips and information
relating to both mental and physical well being and implement them
steadfastly. This is a must and do not crib or find fault.
"Do not let frustrations or your limitations get the better of you. Try
to adjust with family and society. Think of what you can do rather
than what you cannot. With this positive attitude, your time will be
well-spent and your life will be fuller and richer."
As members of an informal voluntary organization, they will be able
to fulfill their desire to socialize with others. They will have the
satisfaction of a schedule of activity. The informal organization also
provides them a source of strength and protection. Through this
forum they are able to communicate with the formal organization
i.e. MYBANK. Informal organization is also a training ground for
informal leaders, as also to other members.
The Organization Structure to Represent
Retired Employees of MYBANK

What should he the role of the Association for Retired Employees?

1. Provide new orientation and serve as a forum for
representing their interests.
2. It is intended to look to the welfare of its members in
the new environment they are placed.
3. It should also be intended as a forum for the expression
of the skills, talents and professional experience
gathered by the employee in his service, so that they
are not deprecated and eroded or lost.
4. It is intended to mobilize the special knowledge and rich
experience of the retired employees as a back-up
support to the organization, or as a second line of
defence, as distinct from the regular working
employees, whenever there is a need or opportunity.
5. In order to maintain its objectivity and independence it
will not involve in the internal affairs of the Bank (like
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industrial disputes, problems confronting officers etc,)

But it will consider all problems affecting the Banking
Industry or in particular MYBANK as a whole and convey
its independent opinion purely as a professional body
impelled by academic interest.>
6. It should collect and disseminate diverse information of
value to retired persons in general on subjects like
recreation financial security, health care and nutrition,
shelter, education, welfare, protection of life and
property etc. for their wellbeing.

MYBANK is a nationalized bank. Its outlook and operational goals

should reflect the overall policies of the Government of India. It
therefore has a definite and distinct role and responsibility to
respond and concern towards the welfare of its former employees.
As far as the Bank is concerned the former employees represent a
knowledge reserve. Should the Bank ignore this pool of expertise or
should it try to integrate this knowledge reservoir with its own
operational framework as a second line or outer line of support. If
any job or work is to be outsourced, this pool is the most ideal
option. Several ad-hoc jobs involving study and documentation
functions can be assigned to the retired employees. In the coming
days of global competitiveness a good quantum of work has to be
outsourced, as a measure of prudent operational policy, without
obstructing the working of the existing employees, but supporting
and supplementing them.
Documenting, updating and revising Manuals, Books of
Instructions, Job guidance digests etc.
Training kits for different categories of employees
Concurrent audit and inspection of branches
Acting as surveillance officers of big borrowal accounts
Monitoring of implementation in respect of projects financed or
taken up for revival.
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 Acting as field agents for promoting/marketing different

products of the Bank
Project appraisal
Acting as Presenting officers, Enquiry Officers for Departmental
Enquiries
Conducting Investigations and submitting reports. Etc.
Retired employees on account of their rich experience and vast
knowledge will eminently suit the coaching or training avocation.
They can also organize coaching classes for CAIIB and other
professional institutes independently through their own efforts.
Many of them can serve as guest faculty in the training centres of
the Bank. They can contribute articles to the professional journals
on matters of current interest in the field and participate in
workshops and seminars to analyze and discuss the current
problems of the industry. Retired trade unionist have addiotnal task
cut out to conduct trade union educations to youngsters who
consider unions as engendered species.
Ideally it should be a voluntary association organised as welfare
Society, registered under the Societies Act. It is not a trade union. It
should have bylaws for its smooth working. Members will subscribe
to a code of conduct confirming their continued loyalty and devotion
to the Organization and to the ethics of the profession they
represent. It should include all employees without discrimination
from the lowest to the topmost under one shelter. The Association of
MYBANK employees should have diverse programs to cover the
different stature of its members. It will be affiliated vertically to the
All India Retired Bank employees Associations, as also to eligible
Senior Citizens Association of India.
The association need not duplicate and provide all the needs or
cater to all requirements of its members. But it can act primarily as
a clearing house, an information provider, and as a source for
dissemination of latest developments and news of the industry. The
association can pool and publish leaflets pointing out activities of
different forums of senior citizens all over the world and benefits
12

available therein. It can spread information about the newly defined

policy of the Government of India regarding senior citizens. (Draft
national policy for the welfare of the Elderly, 1993, is an effort in
this direction.)
Subsequently the subject has further been studied by the Ministry of
Social Justice & Empowerment resulting in special care being taken
for the welfare of the aged. Accordingly the Government of India
announced a National Policy on Older Persons in January 1999. This
policy, as stated earlier, provides a broad framework for inter
sectoral collaboration and cooperation both within the government
as well as between government and non-governmental agencies.
Presently several Public and Private Sector Organizations are
extending benefits and concessions to aged persons. Brief details of
these are provided in Chapter-4 .Facilities and Concessions
Presently Available to the Senior Citizens in India.
Constitution of India has placed a specific responsibility on the
Central and State Governments with reference to the well being of
persons of the old age. In the Constitution of India, entry 24 in list
III of schedule VII deals with the "Welfare of Labour, including
conditions of work, provident funds, liability for workmen's
compensation, invalidity and old age pension and maternity
benefits. Further, Article 41 of Directive Principles of State Policy has
particular relevance to Old Age Social Security. Item No. 9 of the
State List and item 20, 23 and 24 of Concurrent List relates to old
age pension, social security and social insurance, and economic and
social planning. Article 41 of Indian Constitution deals with the
State's role in providing social security to the aged. According to
this article, "the State shall, within the limits of its economic
capacity and development, make effective provision for securing the
right to work, to education and to public assistance in case of
unemployment, OLD AGE, sickness and disablement and in other
cases of undeserved want". Various benefits provided by
Government agencies to retired persons (also called senior citizens)
are provided in Chapter-5. - Measures Implemented by
Governments in India for Providing Welfare and Social Security to
the Senior Citizens.

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The United Nations General Assembly has recognized that

in all countries, individuals are reaching an advanced age in
greater numbers and in better health than ever before
the tremendous diversity in the situation of older persons, not
only between countries but within countries and between
individuals, which requires a variety of policy responses,
the contribution that older persons make to their societies,
The UN General Assembly has further Recognised that in the
Charter of the United Nations, the peoples of the United Nations
declare, inter alia, their determination to reaffirm faith in
fundamental human rights, in the dignity and worth of the human
person, in the equal rights of men and women and of nations large
and small and to promote social progress and better standards of
life in larger freedom,
the General Assembly of the United Nations has further noted that
the elaboration of those rights in the Universal Declaration of
Human Rights, the International Covenant on Economic, Social and
Cultural Rights and the International Covenant on Civil and Political
Rights and other declarations to ensure the application of universal
standards to particular groups. In pursuance of the International
Plan of Action on Ageing, adopted by the World Assembly on Ageing
was endorsed by the General Assembly in its resolution 37/51 of 3
December 1982. The full text of the resolution passed by the
U.N.General Assembly is given in Chapter-6
Various non-government agencies are in the forefront in catering to
the diverse needs of the aged. Government of India as per its policy
guidelines has recognized the benevolent role of NGOs in providing
user friendly affordable services to complement the endeavours of
the State in this direction. Information about reputed International
Non-government Organizations currently operating in India, viz.
"Indian federation on Ageing" (InFA), and "HelpAge India" are given
in Chapter-7. - Non-government Agencies Providing Service to
Senior Citizens. This Annexure also includes information about a
purely Indian Initiative called the Dignity Foundation. It is a
14

Bombay-based venture started in April 1995. This organisation was

set up to cater to the needs of the elderly, starting with the
publication of the magazine Dignity Dialogue. In a year's time this
social enterprise grew to comprise services along with the magazine
and came to be called Dignity Foundation. The Foundation is
premised upon scientific developments in the fields of Geriatry and
Gerontology. It offers Structural opportunities to exercise the choice
of how to live young in chronologically advancing years.
Government of India - National Policy on Older Persons
The Government of India announced a National Policy on Older Persons in January 1999. This policy provides a broad
framework for inter sectoral collaboration and cooperation both within the government as well as between government and
non-governmental agencies. In particular, the policy has identified a number of areas of intervention; financial security,
health care and nutrition, shelter, education, welfare, protection of life and property etc. for the wellbeing of older persons
in the country. Amongst others the policy also recognizes the role of the NGO sector in providing user friendly affordable
services to complement the endeavours of the State in this direction.
A National Council for Older Persons (NCOP) has been constituted by the Ministry of Social Justice and Empowerment to
operationalise the National Policy on Older Persons. The basic objectives of the NCOP are to:

advice the Government on policies and programmes for older persons

provide feedback to the Government on the implementation of the National Policy on Older Persons as well as on
specific programme initiatives for older persons

advocate the best interests of older persons

provide a nodal point at the national level for redressing the grievances of older persons which are of an
individual nature>

provide lobby for concessions, rebates and discounts for older persons both with the Government as well as with
the corporate sector

represent the collective opinion of older persons to the Government

suggest steps to make old age productive and interesting

suggest measures to enhance the quality of intergenerational relationships.

undertake any other work or activity in the best interest of older persons.

There are 39 members in the council. A seven member-working group has also been constituted from amongst the
members of NCOP. The Working Group has so far held two meetings to discuss ways and means to achieve its objectives.
Several Non Government Agencies have also sprung up in India to give different services to the senior citizens. Special
concessions and benefits are extended by several Utility Service providers like Indian railways, The Indian Airlines, UTI, LIC
etc. Recently the nationalised and other banks have come forward with unique schemes in favour of senior citizens and
concessional rate of interests of their deposits. Government has also extended special tax rebates with reference to
Personal taxation.

Measures Implemented by Governments in India

for Providing Welfare and Social Security
to the Senior Citizens
15

In the Constitution of India, entry 24 in list III of schedule VII deals

with the "Welfare of Labour, including conditions of work, provident
funds, liability for workmen's compensation, invalidity and old age
pension and maternity benefits. Further, Article 41 of Directive
Principles of State Policy has particular relevance to Old Age Social
Security.
Item No. 9 of the State List and item 20, 23 and 24 of Concurrent
List relates to old age pension, social security and social insurance,
and economic and social planning.
Article 41 of Indian Constitution deals with the State's role in
providing social security to the aged. According to this article, "the
State shall, within the limits of its economic capacity and
development, make effective provision for securing the right to
work, to education and to public assistance in case of
unemployment, OLD AGE, sickness and disablement and in other
cases of undeserved want".
The right of parents without any means to be supported by their
children having sufficient means has been recognised by the
section-125 (1) (d) of the Code of Criminal Procedure 1973, and
Section 20(3) of the Hindu Adoption and Maintenance Act, 1956.
Himachal Pradesh Assembly passed a Parents Maintenance Bill in
1996 wherein a simple procedure was introduced for parents being
ignored by their children to be given maintenance. In addition to
making it obligatory for errant wards not taking care of their aged
parents, the bill aims at simplifying the procedure by authorising the
sub-divisional officer (civil) for fixing maintenance and Addl.
Commissioner as the appellate authority so that the decision can be
taken and cases disposed of promptly bringing justice and relief to
older persons without loss of time.
It is understood that the Bill is waiting ascent of the President of
India. The Government of Maharashtra has prepared a Bill on similar
lines.

16

Correspondence received from the Government of Goa also

indicates that it proposed to initiate action towards introduction of
Parents Maintenance Bill.
(Himachal Pradesh Parents Maintenance Bill, 1996 and vide letter
No. 50-293-97-98-HC/2319 dated 2-7-97, Government of Goa,
Directorate of Social Welfare, Panaji, Goa)
MINISTRY RESPONSIBLE FOR THE WELFARE OF THE AGED
Special care is being taken for the welfare of the Aged by the
Ministry of Social Justice & Empowerment.
National Policy on Older Persons
The Government of India announced a National Policy on Older
Persons in January 1999. This policy provides a broad framework for
inter sectoral collaboration and cooperation both within the
government as well as between government and non-governmental
agencies. In particular, the policy has identified a number of areas
of intervention; financial security, health care and nutrition, shelter,
education, welfare, protection of life and property etc. for the wellbeing of older persons in the country. Amongst others the policy
also recognizes the role of the NGO sector in providing user friendly
affordable services to complement the endeavours of the State in
this direction.
While recognizing the need for promoting productive ageing, the
policy also emphasizes the importance of family in providing vital
non formal social security for older persons. To facilitate
implementation of the policy, the participation of Panchayati Raj
Institutions, State Governments and different Departments of the
Government of India is envisaged with coordinating responsibility
resting with the Ministry of Social Justice & Empowerment.
National Council for Older Persons
A National Council for Older Persons (NCOP) has been constituted
by the Ministry of Social Justice and Empowerment to operationalise

17

the National Policy on Older Persons. The basic objectives of the

NCOP are to:
advice the Government on policies and programmes for older
persons
provide feedback to the Government on the implementation of
the National Policy on Older Persons as well as on specific
programme initiatives for older persons
advocate the best interests of older persons provide a nodal
point at the national level for redressing the grievances of
older persons which are of an individual nature
provide lobby for concessions, rebates and discounts for older
persons both with the Government as well as with the
corporate sector
represent the collective opinion of older persons to the
Government
suggest steps to make old age productive and interesting
suggest measures to enhance the quality of inter-generational
relationships.
undertake any other work or activity in the best interest of
older persons.
There are 39 members in the council. A seven member working
group has also been constituted from amongst the members of
NCOP. The Working Group has so far held two meetings to discuss
ways and means to achieve its objectives.
OLD AGE AND INCOME SECURITY
The Ministry has also launched a project called "Old Age Social and
Income Security (OASIS)". An Expert Committee is constituted
under the project. The first report of the Committee and the existing
income security instruments available to older persons have been
18

comprehensively examined. The report also contains detailed

recommendations for enhancing the coverage, improving the rate of
returns and for bringing about a qualitative improvement in the
customer service of Public Provident Fund, the Employees Provident
Fund, the Annuity Plans of LIC, UTI etc. The recommendations of
the Committee are being examined by the Ministry of Finance for
further action. Meanwhile, Phase II of the project is looking at the
pension and gratuity schemes of the central government and old
age pension provided under National Social Assistance Programme
(NSAP). At the core of the second phase of project OASIS however,
lies the designing of a new, fully funded, contributory pension
programme for the balance (uncovered) workers including
casual/contract workers, self-employed, farmers etc.
Revision of the Schemes of the Ministry
In order to facilitate implementation of the National Policy, and to
bring about a qualitative improvement in the programme
intervention of the Ministry, both the on-going schemes were
revised during 1998-99.
1. Scheme of Assistance to Panchayati Raj Institutions/Voluntary
Organizations/Self Help Groups for construction of old age
homes/multi service centres for older persons. The scheme has
been revised to enhance the one time construction grant for
old age homes/multi service centres from Rs. 5.00 lakhs to Rs.
30.00 lakhs to eligible organizations.
2. An Integrated Programme for Older Persons has been
formulated by revising the earlier scheme of Assistance to
Voluntary Organizations for programmes relating to the
welfare of the aged. With the aim to empower & improve the
quality of Older Persons, the programmes hopes to:
o Reinforce and strengthen the ability and commitment of
the family to provide care to Older Persons.
o Foster amiable multi-generational relationships.

19

o Generate greater awareness on issues pertaining to older

persons and enhanced measures to address these issues.
o Popularise the concept of Life Long Preparation for Old
Age at the individual level as well as at the societal level.
o Facilitate productive Ageing.
o Promote Health Care, Housing and Income Security needs
of older persons.
o Provide care the destitute elderly.
o Strengthen capabilities on issues pertaining to older
persons of local bodies/state governments, NGOs and
academic/research and other institutions.
Strategy: Developing awareness and providing support to build the
capacity of government, NGOs and the community at large to make
productive use of older persons and to provide care to older persons
in need; Sensitising children and youth towards older persons;
reinforcing the Indian family tradition of providing special care and
attention to older persons and organising older persons themselves
into coherent self help groups capable of articulating their rights and
interests.
Under this scheme financial assistance up to 90% of the project cost
is provided to NGOs for establishing and maintaining old age homes,
day care centres, mobile medicare units and for providing non
institutional services to older persons. (Letter No. 20-32/99NGO(SD) dated 22nd June, 1999, Ministry of Social Justice &
Empowerment, Government of India)
Facilities and Concessions Presently
Available to the Senior Citizens
A person who has completed 65 years of age is considered as a
Senior Citizen by the Governments.
Financial
20

1. A rebate of 100% in Income tax, subject to maximum of

Rs.20,000/- is allowed, irrespective of their income. Senior
Citizens not engaged in any business or profession will not be
required to file the return on the basis of ownership of a house
or subscription of a telephone.>
2. The Central Govt. has decided to grant a small monthly
pension to old persons in low-income group. Pensions of
similar nature are presently paid by some State Govt.
3. Retired employees of Central and State Govts. and in certain
cases, their surviving spouses receive pensions and retirement
benefits. Some corporations and companies also operate
Superannuation Schemes to enables their retirees to receive
monthly pension.
4. Unit Trust of India has devised a scheme to cover medical
facilities and payment of annuities, while Life Insurance
Corporation of India has introduced Jeevan Suraksha Yojana.
5. Moderate financial assistance is granted by some Senior
Citizens Associations to elders having no source of income.
6. Maharashtra Govt. has exempted Senior Citizens from
payment of Profession Tax.
Medical
1. Central and State Govt. and also some Corporations continue
granting medical facilities to their retirees.
2. Senior Citizens upto the age of 70 years can obtain medical
Insurance cover from General Insurance Corporation.
3. Some public hospitals provide health check-up and treatment
on free or concessional basis.
4. Some Senior Citizens Associations partially reimburse medical
expenses incurred by old persons. Some Associations also

21

have arrangements with Medicos in their localities to offer

consultation for certain ailments on free or concessional basis.
5. Alternative medical treatment such as acupressure, Yoga
practices, Reversal of heart diseases are undertaken by some
associations.
6. Elders can avail of the medical camps arranged periodically by
various social organisations. These camps provide for medical
examinations, advice, treatment and also aids such as
Spectacles, hearing aids, Jaipur feet etc. on free or
concessional basis.
7. Various social organisations arrange workshops where
dissemination of information useful for elders on nutrition,
preventive measures etc. is circulated.
Accommodation
1. Many Charitable Institutions have established homes for the
aged all over the country. Here lonely aged persons are
accommodated on either free or on affordable charges. These
homes provide medicare, recreation, libraries, social and
spiritual atmosphere and an opportunity to pursue hobbies, if
any, such as teaching, reading, gardening etc. There are also
special homes for terminally ill and other elderly patients.
2. Governments have announced substantial financial assistance
to N.G.Os to establish homes especially those in the lower
income group.
3. Maharashtra Tourism Development Corporation offers 10%
discount in their Holiday Resorts, during off-season only.
4. Some hotels cater to elders by announcing package schemes
for their stay during a specific period with a reasonable
concession, such as Hotel Swiss Cottage, Lonawala, Contact
tel. 6428762. Besides, there are hotel Resort Schemes, where
concessions on stay and food are provided to a person who
enrolls himself as their member.
22

Some Co-operative Societies are being formed to allot to their

members, accommodation at reasonable rate in Colonies of elders.
Travel
1. Air India had introduced 50% concession in basic fares. A
scheme of concession is under consideration of Air India Ltd. A
person has to apply in a prescribed form along with the proof
of age and the IAC issues a permanent pass for travel.
http://www.airindia.in/senior-citizen-concession.htm
2. 30% concession in fares for all classes and all trains is allowed
by Indian Rlys. This concession is granted at the time of
booking even without furnishing any proof of age, but it is
advisable to carry the proof during the journey.
3. Senior Citizen who is a heart patient is granted 75%
concession in I, II and sleeper class fares, for himself and his
escort to and from the station servicing the place of residence
to the station serving the hospital for heart surgery.
4. Retires from Indian Rlys. Are entitled to free and concessional
travel, life long, including for their families.
5. At specific hours, certain compartments, are reserved for
elders in the suburban trains, as in Western Rly. 7 seats are
reserved between 12 and 3 p.m.
6. In some State Transport buses, Senior Citizens are allowed
50% concession in fares in ordinary buses only. One has to
present proof of age while booking and during the journey.
7. Some seats are reserved for elders in the Public Transport
buses in some cities. With a view to ease the difficulty in
boarding a bus in a crowd, the B.E.S.T. permits elders to board
from the front door. There is a proposal before the B.E.S.T. to
allow 50% concession in fares for elders.
Social

23

1. All over the country, senior citizens Association have been

formed with the objective of ensuring welfare of elders. To
fulfill this objective, they have established day care centres,
which act as a meeting places for elders. Besides, the Centres
provide libraries, legal aid and investment advice,
entertainment etc. The centres also arrange lectures on topics
of interest to elders, excursions, sports, publication of
bulletins, talent and essay competitions.
2. The Retirees of Central of State Govt. and Corporations have
formed their own Associations to look after the material
benefits due to their families
3. Service organisation render medical facilities and also arrange
seminars, functions for elders and sponsor various welfare
schemes for them
4. Some institutes have been working on research on Social,
Medical and Psychological aspects of ageing.
Occupational
1. Many of the Senior Citizens who possess requisite knowledge
have ample scope of utilizing it by offering their services as
social worker, either on honorary basis or for honorarium.
There is also scope for starting self-employment activity with
financial assistance from financial institutions.
Investment Opportunities
1. There are enough opportunities for senior citizens to invest
their funds with a view to earning a steady and reasonable
income. However care should be taken to select the proper
type of investments, as it has come to notice that several
financial companies are neither able to pay interest nor
redeem the deposits. The period for which funds are to be
invested should be carefully considered
Text of Resolution Passed by UN General Assembly Recognizing
Special Problems of the Aged Persons
(Resolution 46/91 - Adopted on December 16, 1991 -)

24

To add life to the years that have been added to life

THE GENERAL ASSEMBLY,
APPRECIATING the contribution that older persons make to their societies,
RECOGNISING THAT, in the Charter of the United Nations,the peoples of the United Nations declare, inter
alia, their determination to reaffirm faith in fundamental human rights, in the dignity and worth of the
human person, in the equal rights of men and women and of nations large and small and to promote social
progress and better standards of life in larger freedom,
NOTING the elaboration of those rights in the Universal Declaration of Human Rights, the International
Covenant on Economic, Social and Cultural Rights and the International Covenant on Civil and Political
Rights and other declarations to ensure the application of universal standards to particular groups,
In pursuance of the International Plan of Action on Ageing, adopted by the World Assembly on Ageing and
endorsed by the General Assembly in its resolution 37/51 of 3 December 1982,
APPRECIATING the tremendous diversity in the situation of older persons, not only between countries but
within countries and between individuals, which requires a variety of policy responses,
AWARE that in all countries, individuals are reaching an advanced age in greater numbers and in better
health than ever before,
AWARE of the scientific research disproving many stereotypes about inevitable and irreversible declines with
age,
CONVINCED that in a world characterized by an increasing number and proportion of older persons,
opportunities must be provided for willing and capable older persons to participate in and contribute to the
ongoing activities of society,
MINDFUL that the strains on family life in both developed and developing countries require support for those
providing care to frail older persons,
BEARING IN MIND the standards already set by the International Plan of Action on Ageing and the
conventions, recommendations and resolutions ofThe International Labour Organisation, The World Health
Organization and other United Nations entities,
Encourages Governments to incorporate the following principles into their national programmes whenever
possible:
Independence

25

1.

Older persons should have access to adequate food, water, shelter, clothing and health care through
the provision of income, family and community support and self-help.

2.

Older persons should have the opportunity to work or to have access to other income-generating
opportunities.

3.

Older persons should be able to participate in determining when and at what pace withdrawal from
the labour force takes place.

4.

Older persons should have access to appropriate educational and training programmes.

5.

Older persons should be able to live in environments that are safe and adaptable to personal
preferences and changing capacities.

6.

Older persons should be able to reside at home for as long as possible.

Participation
7.

Older persons should remain integrated in society, participate actively in the formulation and
implementation of policies that directly affect their well-being and share their knowledge and skills
with younger generations

8.

justify">Older persons should be able to seek and develop opportunities for service to the
community and to serve as volunteers in positions appropriate to their interests and capabilities.

9.

Older persons should be able to form movements or associations of older persons.

Care
10. Older persons should benefit from family and community care and protection in accordance with
each society's system of cultural values.
11. Older persons should have access to health care to help them to maintain or regain the optimum
level of physical, mental and emotional well-being and to prevent or delay the onset of illness.
12. Older persons should have access to social and legal services to enhance their autonomy, protection
and care.
13. Older persons should be able to utilize appropriate levels of institutional care providing protection,
rehabilitation and social and mental stimulation in a humane and secure environment.
14. Older persons should be able to enjoy human rights and fundamental freedoms when residing in
any shelter, care or treatment facility, including full respect for their dignity, beliefs, needs and
privacy and for the right to make decisions about their care and the quality of their lives
Self-fulfillment
15. Older persons should be able to pursue opportunities for the full development of their potential.
16. Older persons should have access to the educational, cultural, spiritual and recreational resources of
society.
Dignity
17. Older persons should be able to live in dignity and security and be free of exploitation and physical
or mental abuse.
18. Older persons should be treated fairly regardless of age, gender, racial or ethnic background,
disability or other status, and be valued independently of their economic contribution.

on-government Agencies Providing

Service to Senior Citizens
In the sector of Non Government Organizations the unique place goes to Indian Federation on Ageing.
InFA is a registered Public Trust with Charity Commissioner, Mumbai since March 1989 and is affiliated
to International Federation on Ageing (IFA), Montreal, Canada. InFA is also represented in the NGO
Committee on Ageing, United Nations, New York. Its present headquarters is located in Mumbai.

26

My Programme for a
Second Phase of Career and Activity
Make Retired Life Creative and Inspiring to others
"Life after 60 should not be looked as an end of a lifetime's work. It
should be seen as the beginning of a new chapter. It should not be
seen like climbing down a hill after having worked hard to climb up
the steep slope of life. It should be viewed as another climb, gentler
this time with more time for living, loving and caring. You are a
treasure house of experience. You can impart that experience to the
youngsters around you. View your life with an up-beat positive
attitude."
[Source: web site of seniorindian.com]
The SWOT of Senior Citizenship
Strength:
Sharper intellect and knowledge (a very valuable resource in the
Service-centered economy), wider experience and analytical
capacity, better financial security (through planned steps taken from
years earlier)
Weakness:
Declining physical strength,
Lack of full-time activity after retirement
Threats:
Health when neglected,
self-inflicted despair, when programme for old age not designed
Opportunities:
Plan a productive course of life and activity suited to your energy
resource (limited) and intellectual resources (large)> Accept higher
responsibility for care of your health. Plan minimum dependence on
youngsters. Try to be useful to the family and in particular to the
society at large.

However on August 11, 2014 , when I actually retired from MY BANK services both from the union the
inspiring wisdom quoted in margin to the right did not dawn on me. I was given "parting gifts" by the
system for having signed astounding visionary settlement on regularization of over 1000messengers and

27

sweepers who were eking out subhuman wages on daily basis ranging from Rs 50-100 according to the
whims and caprice of branch offcilas and working conditions going through vexatious litigation as general
secretary of my bank union , a punishment of having been remanded to judicial custody for over 21 days
due mendacious action of of selfish , insatiable greedy office bearers of the union and even today running
form court to court to get justice eroding nearly 1/3 of retiral benefits as on date on legal and travelling
charges . Suffice it therefore to say here that these unfortunate events had kept me engaged for a few
more months and the new dullness in life, as apprehended as an the impact of retirement was not
immediately discernable.
The versatility of the Internet and the rich wealth of information it contained attracted me and I started
spending more and more time every day surfing the net and disseminating information to friends in email
and face book every day . . .
It is in this background that I decided to take up projects for literature survey on Departmental Inquiries. A
departmental Inquiry is at best to fight a threat, and thus featured a negative content. Why not commence
in the first instance from the positive world i.e. from dealing with personal Integrity and Discipline and
switch over to Safeguards and remedies, Law for the Public Servant etc. and then logically proceed to
defending Departmental Inquiries and seeking legal remedies. I started searching for useful material from
Web and was surprised to find the web can provide a ocean of ready-information on anything and everything
under the sun.
The newly gained knowledge and the experience of preparing these projects inspired me to
prepare several more projects all relevant for Bank employees which very soon I will publish
them as e- book . The data published can be accessed by anyone and from anywhere in the
world. But my target audience are bank officers in India, and all those interested in Banking in
India.
I started preparing the projects from September 2014 and stored them first in the hardware of my computer
on MS-Word format..
I have no intention to settle score with anyone. I leave things to everyone's conscience and value system.
Nature does the balancing. The proverb says "who-ever sows the wind reaps the whirlwind". Whirlwind. My
purpose is to expose the truth and build a protective insulation for officers for the future.
I feel that I have taken up a new and long voyage. I have hundreds of miles to go and the first few steps
have just been taken. The best part of reaching a goal in not attaining the end, but lies in the grappling and
searching: those hardships you spend. But the most derogatory thing about time is its infinite capacity to
generate the moment. The most profound thing about time is also its capacity to reconstruct the past.
Everything in the life of a bank employee in general, more so of Bank employees trade union leader in
particular is a kaleidoscope of time, inspiration, memories, pains, exhilarations, exaltations and ecstasies,
achievements and failures all bracketed as nostalgia.

Encapsulating the 35 years of a life well spent, serving the union and the cause of people, through which I
have earned, abounding knowledge, the wealth of comrades and friends, laurels of strife in the smiles of
their wellbeing, the prize of fulfillment, the power of contributing to the great peoples movement, and a
treasure of stories to tell and memories to cherish, I have penned My Epilogue in booklet form( see link
given above ) interspersing nostalgic photographs of my scintillating voyage in the union.

In fond reflection of my association with the working class movement in general and bank employees
movement in particular , I sending you this epilogue of mine , a bouquet of ever-fresh memories of things
remembering beautiful people who came in my union life for a reason, a season, or a lifetime as souvenir of
pleasant memories. Kindly spare some time go through the same, forward to other friends and convey your
feedback.

28

For beautiful eyes,

Look for the good in others;
For beautiful lips,
Speak only words of kindness;
And for poise,
Walk with the knowledge
That you are never alone.
S.Srinivasan
Retired Bank Unionist

InFA
InFA as a National Apex Body of Senior Citizens in India aims at bringing various agencies, organisations,
Associations, Clubs of Senior Citizens working for the cause and welfare of senior citizens in various parts of
India under one umbrella, with the objective to have proper co-ordination/interaction between those
organisations and to deal with Central/State Governments/Semi Govt. Agencies viz. Municipal Corporation,
NGOs etc., for providing speedy and effective solutions to the problems of senior citizens in India.

FIRST InFA Global Conference

The conference took place in August/September 1992: Indian Federation on Ageing (InFA) Mumbai was the
host to the very successful first IFA Global Conference on Ageing in Mumbai at Oberoi Hotel. This was
supported by various International Agencies, Govt. of India, Govt. of Maharashtra and United Nations. 400
delegates from 37 countries including 200 delegates from various states of India participated in the
conference. This conference has created awareness in India about problems and solutions to the evergrowing aged population. Hardly a day passes when there is no news about elder persons in newspapers
and in the electronic media

Current Activities of InFA

Interaction with Local Authorities:
The interaction between local educational and municipal authorities in various parts of the country enables
senior citizens for getting various facilities.
Awards:
From 1995 onwards InFA is awarding Trophies in India to the best three Sr. Citizens Associations for their
quantitative cum qualitative work or projects.
Elders Day Celebration:
As per directive from United Nations, InFA is celebrating UN declared 1st October as Elders Day in all parts
of India through its affiliates with suitable programmes.

29

National Seminar:
<> InFA has decided to hold a National Seminar once in every two years in one of the five zones in India by
turn for promoting awareness of Problems cum Solutions of Elderly.
International Certificate Courses in Gerontology and Geriatrics: Indian Federation on Ageing in collaboration
with Govt. of India, University of Pune, Bharatitya Vidyapith and International Federation on Ageing
conducted an International certificate course in Gerontology and Geriatrics from 5th Jan. 1998 to 15th Jan
'98 at Pune University Campus. The resource persons were made available by International Institute on
Ageing, MALTA (UN) and IFA. InFA is ready to conduct such courses in any part of India is collaboration with
local unit.
Day Care Centres:
Many affiliate organisation of InFA are running Day Care Centres in their area of operation. InFA believes
that elder's home is not ideal to the Indian ethos, besides being very costly to maintain. Day Care Centres
can keep them usefully busy. InFA plans to assist opening of Day Care Centres in the areas of operation of
its affiliated organisations.
Training Camps:
InFA plans to set up training camps in various parts of India to update knowledge of Sr. Citizens to equip
them to stand on their own.
NewsLetter:
Its NewsLetter Ageing India" will cover International, national and news of affiliated organisations.Promoting
Existing/Future Projects of its affiliates: InFA will help and guide in promoting existing and future projects of
its affiliates for constructive use of talents and expertise for benefits of Sr. Citizens and community in which
they work.
HelpAge India.

Another national level NGO of repute is HelpAge India. HelpAge

India is a registered national level voluntary organisation. It is a
secular, apolitical, non-profit and a non-governmental organisation.
Registered in 1978 under the Societies' Registration Act, 1960, .
Formed in 1978 with active help from Mr. Cecil Jackson Cole,
founder member of 'Help the Aged in United Kingdom'.
HelpAge India maintains active liaison with both the Central and
State Governments for advocating the cause of the elderly. It has
been closely associated with the formulation of the National Policy
for Older Persons, announced recently. It is represented at the
Working Committee of National Council. The organisation has also
been represented on the Working Group for recommending
Government thrusts and policies for the Eight and Ninth five-year
Plans. It has successfully pressed for travel and tax concessions and
other benefits for the elderly. HelpAge India is one of the founding
members of HelpAge International, a high profile body having 51
member countries representing the cause of the elderly at the UN It
has received a special testimonial from the UN for "dedicated
service in support of the United Nations Programme on Ageing".
30

HelpAge India is also a full member of the International Federation

on Ageing.
HelpAge India is working for the cause and care of Older Persons,
with the ultimate aim of empowering them to take decisions
pertaining to their own lives. From Welfare to Development
Over the years HelpAge India has changed its orientation from
implementing welfare projects to those that focus on development.
It now lays stress on income-generation and micro-credit projects
that enable the participation of Older Persons in the mainstream of
society.
Aims and Objectives of HelpAge India are stated as under:
To foster the welfare of the aged in India especially the needy
aged
To raise funds for projects which assist the elderly irrespective
of caste or creed
To create in the younger generation and in society a social
awareness about the problems of the elderly in India today
Organisational Structure
Mr. K R Narayanan, President of India and Mr. R Venkataraman,
former President are the patrons of HelpAge India. It's Governing
Body, comprising eminent persons from different walks of life,
oversees the activities of the society.
The Director General of HelpAge India looks after the forward
planning and implementation of its policies and programmes with
the support of functional Directorates at Head Office. HelpAge India
has 24 regional and area offices located all over the country
Dignity Foundation

Phenomenal progress in understanding the medical and

psychological process of aging has changed the face of aging. It is
no longer inevitable to age and decline. Aging is now an option. It is
31

entirely in your hands how happily and healthily u grow older", not
"get old" productivity is the key to successful aging.
In April 1995 an organisation was set up to cater to the needs of the
elderly, starting with the publication of the magazine Dignity
Dialogue. In a year's time this organisation eventually grew to
comprise services along with the magazine and came to be called
Dignity Foundation. The Foundation is premised upon scientific
developments in the fields of Geriatry and Gerontology. It offers
Structural opportunities to exercise the choice of how to live young
in chronologically advancing years!
OBJECTIVES
Provide information to seniors through publishing, holding
seminars and discussions
Undertake various services for their support and welfare and
enable them to live productive, meaningful and interesting
lives, drawing upon their knowledge, skills and experience.
Construct a database to determine needs of senior citizens in
India and devise ways to meet them
Build awareness by dissemination of such data.
Institute services that cater to needs.
Mobilise senior citizens into an identity group formation.
Undertake advocacy with government and public bodies of
welfare
A few of the achievements of Dignity Foundation:
In Research Database:
Documentation of views of seniors on productive aging
Case studies of elder abuse
32

 Case histories of loneliness and depression

Attitudes on marriage and remarriage, housing, investments,
second careers
In Dissemination:
63 Practical Life Changing Tips @ Rs. 10/ 12 issues of Dignity Dialogue per year @ RS 25/- per issue
randma's Remedies @ Rs.10/ Yogasanas for Dignitarians @ Rs.10/- In Services
In general the aim of the Foundation has been two-fold. One is to
rid the minds of the senior citizens of the fear that age means
decline and retirement means loneliness, isolation, loss of prestige
and so on. The foundation works assiduously to re-instill in the
elderly minds the confidence that age and productivity are not
mutually exclusive. It does this by utilising their experience and
maturity in activities that serve the needs of the community. The
other part of the aim is achieved by attending to the needs of the
elderly whose social support systems have weakened or
nonexistent.
The philosophy of productive aging propagated by Dignity
Foundation has found practical acceptance in a very large measure
in Mumbai City and other cities, which has a clientele of magazine
subscribers. In Mumbai alone over a thousand senior citizens
volunteers participate actively in the services provided by the
Foundation. The volunteers range in age from 50 to 85 years.
Dignity Foundation is registered as a society under the Societies
Registration Act of 1860 and also as a Public Trust with the Charity
Commissioner of Mumbai.
Management

33

The foundation is managed by professionals in the field of

management, HRD, Social Work, Psychology, Sociology, Marketing,
Editing and Printing and Finance.
The First president of the foundation is Dr.Sheilu Sreenivasan whose
passion for the cause of senior citizens launched the organisation in
1995. She is an MA in Psychiatric Social Work from Madras
University and took her Ph.D. in Mumbai University in Sociology.
After a seven-year period in research she joined a publishing firm,
Macmillan of India and became Corporate Manager in Bangalore.
She then became Head of Publishing in Tata Institute of Social
Sciences, Mumbai in 1987. She specialised abroad in academic
publishing and has been recipient of many awards from reputed
organisations in India such as Rotary for her social work.
The first Vice-President T.C. Narayan joined Dignity foundation after
more than forty years in the corporate world. He was executive
director, managing director and chairman of many public companies
in India and abroad. He currently serves on the advisory board of
HSBC as well as Boards of other companies.

34