HELP CALL

BROCHURE
2010 EDITION

USEFUL AND IMPORTANT INFORMATION

FOR
RETIRED/RELEASED SERVICE OFFICERS
AND
THEIR NEXT OF KIN

BROUGHT TO YOU BY BRIG RK KOHLI (RETD)

HELP CALL

Note : To be printed on the

(Inner page of front cover)

COMMANDMENTS OF HAPPINESS
1.

Speak to people

There is nothing as nice as a cheerful greeting.

2. Smile

It takes 72 muscles to frown only 14 to smile.

3. Call people by name

Every one is pleased when you remember their

names.

4. Be friendly and helpful

And others will respond in a like manner.

5.

As if everything you do were a genuine pleasure.

6. Be genuinely

Interested in people.

7. Be generous

with praise, cautious with criticism.

8. Be considerate

With feelings of others, it will be appreciated.

9. Be thoughtful

Of the opinion of others, there will be three

sides to any controversy yours, the other
persons and the right one?

10. Be willing

to give service, what counts most in life is what

we do for others.

11. Never argue

With your wife.

Speak and act

HELP CALL

DEDICATION

This brochure is dedicated to

The
Army Ordnance Corps

HELP CALL

PREFACE
TO THE 2010 EDITION
1.
The first Edition of this Brochure was released in December, 1998 by Lt Gen B K N
Chhibber, PVSM, (Retd), the then Honble Governor of Punjab and Chief Administrator, Union
Territory of Chandigarh. About 150 copies of the Brochure were printed by kind courtesy of
Lt Gen GL Bakshi, PVSM (Retd) and Late Lt Col AB Singh (Retd), Sigs and distributed to all
members of the 9th JSW and Affiliate Courses Association.
2. During April/May 1999 Lt Gen SK Bhatnagar, PVSM, AVSM, the then DGOS & Senior Col
Comdt very kindly volunteered to publish and distribute copies of the Brochure to all retired AOC
Officers and their next of kin/widows. This involved printing and distribution of approximately 1400
copies, which was a tremendous and commendable effort. An update of the Brochure as on 1st Sep
1999 was also published in the Oct 1999 issue of Ord Talk. Lt Gen SK Bhatnagar, PVSM, AVSM
once again kindly consented to publish and distribute the next Edition of the Brochure, which was
released in December 2000 at the Seventh AOC Reunion. In 2005 Lt Gen TA DCunha, PVSM, ADC
the then DGOS & Sr Col Comdt very kindly agreed to undertake the publication and distribution of
2000 copies of the revised 2005 edition of the brochure. He also very kindly arranged for the release
of the 2005 Edition at the Eighth AOC Reunion.
3.
Keeping up the excellent tradition of the Army Ordnance Corps, DGOS & Senior Colonel
Comdt has very kindly consented to publish and distribute this revised edition of the Brochure for
which I am personally grateful. It is due to such magnanimity that copies of this Brochure have
been provided free of cost so far to every one.
4. There was a tremendous and heartening response from a large number of Officers who received
the earlier editions of the Brochure. Demands for copies of the Brochure were also received from a
large number of retired officers from other Arms & Services and duly met. Some suggestions were
also received which have been incorporated in this Edition.
5. The HELP CALL family of Som Vihar has continued to function well. It is hoped that friends
who have received the Brochure in other areas/stations are making efforts to start similar self help
ventures for mutual aid.
6.
The information given in this Brochure has been collected and collated from various sources
and is as accurate as possible. However, it will need to be updated from time to time. Any
suggestions for improvement are most welcome and will be appreciated and may be sent to the
undersigned.
7.
Armed Forces Veteran Officers Association, Chennai and Arun Vihar Residents Welfare
Association, Noida very kindly asked for my consent to use the information in this brochure for
their own publication, Lt Col PK Jawa from Noida , the author of Post Retirement Guide for
Officers has also acknowledged using the information from the Help Call brochure. However some
other organizations and individual have picked up the information in this Brochure and used it
verbatim in their own Brochures, without any acknowledgment or mention of the source. While
plagiarism is to be deplored, the basic purpose that important information should get widely
disseminated, has been indirectly achieved.

HELP CALL
8.
The information in this Brochure is also available at www.aocreunion2010.com as well as at
Ordnance website on Army Intranet on
http://ord.army.mil/aocnew/Resources/ResourcesMenu.aspx?RS=MiscllaneousFiles .

Dated :

08 December 2010

[Brig R K Kohli]
Convener Help Call
B-705, Som Vihar
R K Puram, New Delhi-110022
Tele : 26196039, 26197299
Mobile No - 09971586606

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LIST OF CONTENTS
S.No
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.

30.
31.
32.

Subject
Medical Treatment
Ex-Servicemen Contributory Health Scheme
Medical Entitlement for Ex-Servicemen Non Pensioners
Financial Assistance for Medical Treatment-Non Pensioners
Assured Decent Last Rites Scheme
Army Group Insurance Fund
GIC Mediclaim Insurance
Cancer Insurance
Emergency Identification
Blood Donation - Ambulance Services
Documentation with AGs Branch MP-5(b)
Policy of Platinum/Demise Grant
Restoration of commuted amount of Pension
Execution of WILL, Probate and Succession
Certificate
Living Will
Organ Donation
What your Spouse/NOK should know
Sale and Disposal of NSP Weapons and Exemption from
payment of fee for Arms License
Reverse Mortgage
Payment of Pension to Joint Bank Account with
Spouse
Precautions to be taken incl Earthquakes
Help for Funeral arrangement from Corps/Regt/Unit
Immediate Action in case of death
Procedure for claiming service benefits by
widow including NRIs
Obtaining of Canteen facilities
Legal Assistance
Benefit/concessions by State Governments/Others
Concessions for Sr Citizens
6th Pay Commission Report
(a) Pension
(b) Dearness Relief
(c) Fixed Medical Allowance
(d) Reckonable Emoluments
(e) Additional Pension to Old Pensioners
(f) Recording of Date of Birth of Spouse
Nomination for payment of Life Time Arrears
Fourth Pay Commission-Anomaly in Pay Fixation
Quotable Quotes

Para No
1-3
4-8
9
10
11
12-13
14
15-17
18-20
21-25
26
27
28
29-37
38-42
43
44
45
46
47-48
49-52
53-54
55-58
59-70
71
72
73-75
76
77-78
79-80
81
82
83
84-87
88-89
90-93
94

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LIST OF APPENDICES

Ser No

Appendix

1.

2.

3.
4.
5.
6.
7.

C
D
E
F
G

8.

9.

10.

11.
12.

L
M

13.

14.

15.

16.
17.
18.

Q
R
S

19.
20

T
U

Subject
Application for Medical Entitlement Card
Annexure 1 to Appendix A
Extended Life Insurance Cover after
Retirement AGI
Payment for Platinum/Demise Grant
Restoration of Commuted Pension
Specimen Will
Suggested format of Living Will
Specimen Form for Pledge for Organ
Donation
Application Form for Opening Joint Saving
Bank Account for Pension
Specimen Letter for Intimation of death of
Officer and Bank Manager (PDA) for Payment
of Family Pension
Application Form for Pension for Widow
MPB-501
Application for Change of Club Membership
Letter To Income Tax Authorities For Tax
Returns
Specimen letter to Rajya/Zila Sainik Kalyan
Board for Widow Identity Card
Grant of Special Family Pension to Widows
who re-married before 01 Jan 1996
Details of Pension/Family Pension for Pre 01
Jan 2006 Cases-Officers
Details of Pension/Family Pension for PBOR
Rate of Dearness Relief
Notification of Date of Birth of Spouse for
Additional Pension-80 Years and above
Nomination for Payment of Life Time Arrears
Quotable Quotes

Para No
9
13
27
28
31(b)
42
43(a)
48
58-59

59(c)
58(g)
58(m)
58(s)
67
77
77
79
85
89
94

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INFORMATION FOR RETIRED/RELEASED OFFICERS
AND THEIR NEXT OF KIN
Medical Treatment
1.
As one grows older, the availability and affordability of good medical treatment, is becoming
a cause of concern. The entitlements and alternatives are discussed in succeeding paragraphs.
Medical Care Of Ex-Servicemen (ESM) Pre-April 2003
2.
While in service all ranks of the Armed Forces and their eligible dependents were entitled to
full and free medical treatment. However, ESM were, on retirement, only entitled to a medical
allowance of Rs. 100.00 per month for purchase of medicines or in lieu could avail free outpatient, treatment in service facilities. Limited inpatient facilities, after paying hospital stoppages,
were also provided, mostly as a welfare measure, and were subject to numerous restrictions and
stipulations. Such treatment did not cover major diseases. Moreover in non Military stations a
pensioner had to make his own arrangements. The problem of overloading of the service
Hospitals/MI Rooms due to the requirements of ESM pensioners was further compounded in 1998,
when Non-Pensioners were also authorized to get limited medical facilities in Service facilities
(subject to certain conditions). Retired service pensioners lacked a comprehensive Medicare scheme,
as available to their counterparts in the Central Services. This was a cause of great dissatisfaction of
the ESM and their Next of Kin. This resulted in a number of appeals, petitions and even a Public
Interest Litigation being filed in the Supreme Court on 09 May 1999 by the Confederation of ExServicemen Associations.
3.
To provide some relief to ESM pensioners a privately funded Medical Benefit Scheme
(MBS) was introduced in Apr 91 under the Army Group Insurance Fund and a similar one by the Air
Force in 1993. However, these catered for high cost treatment for specified diseases and also had a
ceiling on the costs. More over only the members of the schemes were eligible for such benefits.
Ex Servicemen Contributory Health Scheme (ECHS
4.
As a consequence of the above, a Medicare scheme for ESM Pensioners called the ExServicemen Contributory Health Scheme (ECHS) was finally sanctioned on 30 Dec, 2002, to
come into effect from 01 Apr 2003. ECHS is a comprehensive scheme of medical care of ESM
pensioners and their eligible dependents/next of kin, settled any where in the country and covers all
diseases including cardiac, cancer, renal, joint replacement and many others. This was to be achieved
through a network of 227 Polyclinics and empanelled Service/Civil hospitals. It was planned that all
the Polyclinics will be established and other arrangement made by Mar 2006. The scheme would then
take another two years (upto 2008) to refine and fine tune their functioning. The scheme is wholly
financed by Govt of India from Public funds, through the Army budget, with marginal contributions
from retiring and retired service pensioners, varying from Rs. 1800.00 to Rs. 18,000.00.
5.
However due to a tremendous increase in the ESM, in 2010 approx 119 additional polyclinics
have been sanctioned. Also to cater for some outlying areas where the ESM population is less than
2500, some Mobile Polyclinic have also been planned.
6.
All service personnel (eligible for pension) retiring wef 01 Apr 2003 and their entitled
dependents will automatically and compulsorily become members of the ECHS. For those who
retired prior to 01 Apr, 2003 or their widows/family pensioners, becoming a member of the ECHS
was voluntary/optional. Those who do not join the scheme will continue to get Rs. 100/- pm as
medical allowance and will continue to avail limited medical facilities as hither to fore. However,
they shall not be permitted to use any ECHS facility. The option of joining the ECHS was to be
exercised latest by 31 Mar, 2008 when the option to enter the scheme will terminate. Members of the
ECHS and their dependents are issued Smart Cards which have to be produced for availing treatment
facilities. As such they are advised to carry the smart card at all times. At present ECHS beneficiaries
when moving to another station temporarily, need to take an authorization letter from the designated
dependent polyclinic from drawing medicines at the new station. In order to obviate this requirement,

HELP CALL
the ECHS has planned to issue upgraded ALL INDIA cards to the existing members. The cost of
each upgraded card will be Rs 135/-. Please contact your designated Polyclinic/Stn HQ/Regional HQ
for further details and procedure to be followed.
7.
Since ECHS is in the initial stages, a number of changes to rules of emergency treatment,
referral procedures, issue of medicines etc are likely to be made from time to time. The existing
Referral Policy of Direct Referral to empanelled facilities is working satisfactorily in Non Military
Stations. However, in Military Stations the referral to Empanelled facilities is only available once the
Service Hospitals give non availability certificate of treatment facilities/bed space. This is creating
avoidable problems for an ESM patient who is sent from one place to the other. The other problem is
that the Polyclinic function only between 0800 hrs to 1600 hrs except Sundays and Gazetted
Holidays. What happens to the patients outside these timings and days? Frequent changes of the
Empanelled Facilities also creates avoidable confusion for the ESM, since in an Emergency, they
do not know, where to go. You are advised to contact your local Polyclinic/Station HQ/Regional
Centre
for
any
personal
complaints/queries
or
at
the
ECHS
Website:
www.indianarmy.nic.in/arechs.htm.
8.
Refund of Contribution to ECHS.
As per the direction/judgment dated 22nd Aug 2006
passed by Honable Supreme Court the ESM who retired prior to 1st Jan 1996 were exempted from
payment of contribution for becoming members of ECHS scheme. This is contained in Govt of India,
Ministry of Defence letter No 17(10)/06US(WE)/D(res) dated 13 Apr 07. However, inspite of
repeated reminders the Govt of India have not yet issued any orders for refund of the contribution
already made by ESM who retired prior to 01 Jan 1996.
VETERANS ABOVE 75 YEARS WILL BE ATTENDED OUT OF TURN AT THE
RECEPTION, FOR CONSULTATION AND FOR ISSUE OF MEDICINES
AT THE POLYCLINICS
Medical Entitlement For Non Pensioners
9.
As a result of a change in definition from Ex-Service Pensioner to Ex-Servicemen vide AO
8/98, Non Pensioners and their families are entitled to limited medical facilities in the nearest MH.
This is subject to obtaining Medical Entitlement Cards from AGs Branch (MP 5 & 6) in terms of AO
10/97. The Medical Entitlement Cards will be in two Parts and will have to be carried/produced by
the individual when reporting to the Service Hospital for treatment. Part II will be validated by
Station Headquarters, once every 3 years, after the initial issue. For further details AGs Branch
/MP5(b), Army HQ, West Block III, RK Puram, New Delhi-110066 (Tele No. 26195669) may be
contacted. Specimen application form is at Appx A and Annexure 1 to Appx A
Financial Assistance For Medical Treatment
10.
All Ex Servicemen who are not members of any medical scheme including AGI, AFGI and
ECHS and suffering from serious diseases, are given financial assistance by the Kendriya Sainik
Board for treatment in civil hospitals, in case they cannot be treated in MHs and have not availed of
similar assistance from other sources. For details and updated amount, please contact either the office
of the Regional Sainik Board or HQ Kendriya Sainik Board, West Block IV, RK Puram New Delhi110066 (Tele 26192361-62).
All Ex-Servicemen and widows who are in receipt of pensionary benefits of any kind and are
entitled to become ECHS members, are Not eligible for the above financial assistance from the
Armed Forces Flag Day Fund with effect from 31 Mar, 2004.
Assured Decent Last Rites Schemes (ADLRS).
11.
This is a voluntary scheme where in an ESM/NOK are required to register themselves with
the ADLRS office located in the dependent CSD Canteen. They will be assured of an Honable
Funeral. The ADLRS staff will assists in organization of Decent Last Rites. An expenditure upto Rs
2500/- can be made by the CSD Canteen Staff besides laying a wreath on behalf of the COAS.
Alternately Rs 2500/- will be paid to the family/NOK. In case NOK is unable to inform the staff of

HELP CALL
ADLRS before the funeral the amount can be claimed subsequently from the dependent CSD
Canteen by providing proof of the death within a reasonable period. (Auth : B/45322/174-2005/VIP
REF/AG R&W-1 dated 26 May 2006).
Army Group Insurance Fund
12.
One of the best things to have happened in the Army was the creation of the Army Group
Insurance Fund (AGIF). It is an efficient and well run organization, where everyone is extremely
sympathetic and prompt in providing assistance. There is continuous effort to improve the benefits
for the members. The organization provides benefits as given in succeeding paragraphs.
13.
Extended Life Insurance Cover After Retirement.
All extended Insurance (EI) cover
certificate holders of the AGIF who retired prior to 01 Apr 94 (started for eligible officers retiring
after 01 Jan 1981 and JCOs/OR after 01 Apr 81) were covered for a period of 15 years from the date
of retirement or 70 years of age, which ever is earlier, without amending the certificates already
issued. In case of officers who have retired after 01 Apr 94, the period of cover was 20 years or 70
years of age, which ever is earlier. W.e.f 31 Dec 2004 the benefit was increased to Rs.4 lakhs with
period amended to 75 years of age or 25 years from the date of retirement, whichever is earlier. This
has now been further improved with EI cover of 6 Lakhs and age of 75 year or 26 years from date of
retirement whichever is earlier wef 30 Jun 2009. A detailed letter from AGI Bhawan is attached at
Appx B.
General Insurance Corporation (GIC) For Non Pensioners
14.
Even though some assistance is available from the MH or Kendriya/Rajya Sainik Board for
some specified fields of treatments, there can be so many situations, where the cost of treatment can
be prohibitive. To provide for such an eventuality, it is advisable for all Non Pensioners , to take a
Mediclaim Insurance Policy cover for themselves and their families. Due to recent liberalisation,
such cover is now available up to the age of 80 years. A number of schemes are now available. The
premium amount is calculated on the basis of age and amount of insurance cover. Premium amount
upto a maximum of Rs 15,000/- (Rupees Fifteen thousand only) is fully deductible, from the income
for the year, under Section 80 D of the Income Tax Act (Rs 20,000/- for Senior Citizens).
Cancer Insurance For Non Pensioners
15.
Cancer is a dreaded disease. Besides being agonizingly painful, the cost of its treatment is
frighteningly high. Prudence demands that everyone should provide for a such a large financial
contingency, which God forbid, may arise in ones lifetime. Even if one may be already covered
under a Medical Insurance Policy, such a cover may not be sufficient for long term treatment and also
where the monetary limit is exhausted. A number of schemes are available which provide once-inlife-time payment for treatment of cancer. Outline details of two schemes in Delhi are given below:(a)

Indraprastha Cancer Society & Research Centre

Q-5A, Jangpura Extension
New Delhi - 110 014
[Telephone No 011-24319572, 24314907]

A one time donation of Rs 7,000/- for self and Rs 6,000/- per person for additional members
of the family provides for treatment of full life. For further details contact the above Society.
(b)

Dharamshila Cancer Hospital & Research Centre

Dharamshila Road, Vasundhara Enclave
Delhi - 110 096
[Telephone No 011-22617771 to 22617775]

16.
The above centre is running a scheme known as Cancer Rahat Yojana. Under the scheme a
donation of Rs 7,000/- covers a person for a sum of Rs 2 Lacs. The cover goes upto Rs 10 lacs for a
donation of Rs 35,000/-. Spouse and dependents can become members at concessional rates.
However, certain terms and conditions are required to be met at the time of submitting application.

HELP CALL
Those diagnosed for Cancer prior to becoming member are not eligible to join the Scheme. For
details contact the above Society.
17.
The amount donated by the Donor for cancer insurance is exempted from Income Tax to the
extent of 50% under Section 80-G of Income Tax Act, 1961, for the above schemes. Similar schemes
may be available in Hospitals near your place of residence. A perusal of the list of hospitals on the
approved list of Army Group Insurance Fund can be of help. A deliberate effort to get cancer
insurance cover will definitely be worthwhile.
Emergency Identification
18.
While helping a person involved in an accident, rescuers look for any mark of identification
and anything which says In case of emergency, call so and so. Many people carry that, but
doctors on the scene wish that people should carry medical ID Cards as well. Such cards display
major medical information which the ill or injured person may not be able to convey. Lack of
information leads to a waste of time which is crucial when it is a matter of life or death.
19.
Consider the possibilities : A epileptic who goes into a daze before a fit can be mistaken for a
drug addict. A woman who is not so obviously pregnant may get treatment that affects the baby. Lay
rescuers sometimes ignore a person in a diabetic coma as drunk. Even contact lenses can damage the
eyes if left for long on an unconscious person. If doctors are unaware that the victim is a heart patient
taking anti-clotting drugs, they may not be able to stop his bleeding. A person with a penicillin
allergy may die if it is given during an emergency. The possibilities are scary.
20.
A simple home made emergency card can prove to be life saver. All you need to say is
Your name and address, * In case of emergency call............, *Present medical problems.............
*Drug Allergies............, *Medicines taken regularly............, *Blood Group....... . Retired persons
may also include *PPO No. and ECHS Card No. Always keep this card with you in your
wallet/purse. A Sample card is shown below:SAMPLE CARD
IMPORTANT DATA
PPO No ............................................ ECHS Card No...............................
My Name....................................................................................
My Address.& Tele No.............................................................
..................................................................................................
In case of Emergency, call.......................................................
My Present Medical Problems are ..........................................
................................................................................................
I am allergic to .......................................................................
Medicines taken regularly .....................................................
..............................................................................................
My Blood Group is .............................................................

Blood Donation
21.
If you are planning to undergo surgery, your best safe guard against infection is to be your
own blood donor. This procedure known as Autologus Transfusion ensures that patients do not
face any risk of getting any diseases through donated blood that may be contaminated. However, for
emergencies, always keep handy an updated list of prospective and willing blood donors. This is
particularly important for those having Negative (-) blood groups like B (-) or AB (-), etc.

HELP CALL
22.
A large number of serving and retired AOC pers have settled in various parts of the country.
The Dte Gen of Ord Services strives to render all possible help for donation of blood to the serving
and retired officers, and PBOR of the AOC. This SOP has been issued to streamline the arrangements
of BLOOD DONATION to both serving and retired officers, and PBOR of the Corps.

23.
The responsibilities for blood donation to the serving Officers and PBOR will rest with
Ordnance units to which they are posted. However, the detailed responsibilities for blood donation for
both serving and retired offrs and PBOR are elucidated below :Ser
No
(a)

(b)

(c)

(d)

Category

Responsibility

Serving Officers(OS Dte), Retd

DGs OS and Col Comdt, Retd Lt
Gens, and Retd Offrs who are
Gallantry award winners (VrC
and above).

COD Delhi Cantt in case of Officers

residing in and around Delhi and a
Ordnance unit to be nominated by MG
AOC Command concerned in the case
of Officers residing outside Delhi.
(Contact Numbers 011- 25693411)
Retd Officers of the rank of Maj CVD Delhi Cantt in case of Officers
Gen and Brig.
residing in and around Delhi and
Ordnance unit to be nominated by
MG AOC Command concerned in case
of Officers residing Outside Delhi.
(Contact Numbers :- 011-25693401,
011-25693421
Retired Officers upto the rank of OD Shakurbasti in case of Officers
Col.
residing in and around Delhi and
Ordnance unit to be nominated by
MG AOC Command concerned in case
of
Officers
residing
Outside
Delhi.(Contact Number 011-25291181)
Retired PBOR.
CASD Delhi Cantt in case of PBOR
residing in and around Delhi and a
Ordnance unit to be nominated by
MG AOC Command concerned in case
of Outstation PBOR. (Contact Number011-25691608)

(Authority : Dte Gen of Ord Services, Army HQ New Delhi letter No C/25413/BD/OS10A(iii) dated 03 Apr 2006)
Ambulance Services
24.
All major hospitals have ambulance services to cater for emergency evacuation. The charges
vary from one hospital to the other and also depends on the type of service provided (with or without
physician and nurse accompanying the ambulance). Always keep the Emergency Telephone
numbers of the hospitals of your choice handy, for use in an emergency.
25.
In an extreme emergency, where time is of essence and where arrival of an ambulance
or other help is likely to be delayed, Do Not Wait. Call a taxi from the nearest taxi stand and
go to the hospital. The taxi driver can even help you if required. This may save your life.
Documentation
26.

Please inform/get in touch with AGs Branch, MP5(b) for the following :
(a)
In case of officers getting married after retirement CDA(P) is also to be informed for
endorsing the name of wife on the PPO for family pension benefit. AGIF should also be
informed for change of nomination for Extended Insurance Policy and the ECHS for
amendment to ECHS card.

HELP CALL
(b)

Amendment of Medical Entitlement Certificate.

(c)

Change in permanent address occurring after retirement.

(d)
Counting of Army Service towards pension.
(e)
Issue of Air/Rail Travel Concession Cards applicable to winners of gallantry awards,
permanently disabled officers who have been invalided out of service or war widows and so
on.
(f)
Any type of certificate/information pertaining to the officers family/personal/ service
particulars.
(g)
For issue of Corr PPO by CDA(P) for recording the Date of Birth of spouse for
payment of Additional Family Pension to old Family pensioners (Age 80 Years and above).
Note: All records are destroyed by AGs branch MP 5(b) as well as by CDA (O) after expiry
of 15 years from date of retirement. As such, you are advised to preserve your copies of the
necessary documents for future use.
27.

Payment of Platinum/Demise Grant : Army Officers Benevolent Fund.

(a)
All retired officers are eligible to receive the Platinum Grant of Rs.50,000/- on
attaining the age of 75 years. However, in case the retired officer passes away before
attaining the age of 75 years, his NOK is entitled to the receive the same amount as
Demise Grant from AOBF. An application as per Appx C is to be sent to AOBF, for
the Platinum Grant. Also connect with Para 70.
(b)
While the platinum grant amount of Rs 50,000/- is subject to income tax, the
Demise Grant paid to the Widow is exempted for the same.
(c)
Payment will be made on the following sliding scale based on number of years of
Commissioned Service :-

Ser No
(i)
(ii)
(iii)
(iv)
(v)

Commissioned
Service as an Officer
Below 5 Years
5 to 10 Years
10 to 15 Years
15 to 20 Years
20 Years and more

Amount in Rupees
Nil
12,000/25,000/38,000/50,000/-

Restoration of Commuted Portion of Pension

28.
Armed forces personnel who have commuted the admissible portion of their pension are
entitled to have the commuted portion restored on expiry of 15 years from the date of retirement.
Each pensioner is required to apply on the form as per Appx D to the Pension Disbursing
Authority/Bank/Post Office who will restore the commuted portion of the pension as mentioned in the
Pension Payment Order (PPO) and will also pay the arrears, if any.
Execution of Will
29.
Will is a legal expression of disposal of ones possessions as per his/her wishes after their
death. If a person dies without making a Will, it is termed as INTESTATE. The Will is
governed by Indian Succession Act 1925. Also refer to Army Order 4/91. There are two types of
Wills - General Will and Privileged (Special Rights) Will. A Will executed by a Serving
soldier, airman or naval person, is called a Privileged Will and is, usually, not questioned by Law.

HELP CALL
A person making a will is called a Testator. Only execution of the General Will is being discussed
in succeeding paragraphs.
30.

Why to make a Will

(a)
It is never too early to execute a Will and every one is advised to do so at the
earliest.
(b)
When an individual gets married/ remarried he should consider executing a Will in
favor of his wife.
(c)
No one should be compelled to make a Will if for any reason, he is not inclined to
do so.
(d)
On the death of an individual, if no Will is made i.e. Intestate then the
individuals properties are equally distributed amongst his or her heirs. In such a case the
individuals spouse or unmarried children or an ailing relative is likely to suffer unintended
financial loss.
(e)
Provident fund, Gratuity, LIC claims etc are generally nominated. However, the
nominated person is entitled to receive the amount only on behalf of the rightful heirs, who
will ultimately not get these amounts if the same is not specifically stated in the Will.
(f)
House or other immovable properties, even if held in joint names, the same can be
claimed by other heirs unless it is specifically so mentioned, in the Will.
(g)
Even if there is only one heir and no Will is made, other relatives can stake claim
on the properties by taking advantage of the provisions of law. In some cases even the sole
heir is called upon to prove his or her bonafides in the court of law.
(h)
More often than not, the Will is the only tool to ensure proper and dignified
treatment in the old age.
(j)
There are many occasions in ones life, when one feels highly obliged towards some
one in particular or one feels like giving a helping hand to some individual or a social
organisation or even for a religious cause. One of the best ways to give expressions to your
feelings is to allocate a suitable asset through the medium of your Will.
(k)
On occasions, if all the offsprings are not enjoying the same financial status, a
suitable balance can be sought through the medium of the Will. Even for a disabled child
adequate provision can be made through the Will.
(l)
Every lady can and she should make a suitable Will of her possessions as per her
desire. Particularly, the ornaments and other household items are considered as STREE
DHAN or the Ladys Wealth and the lady is free to dispose off the same as per her wish.

31.

Attributes of a Will
(a)

A Will should be clear-cut, unambiguous and precise.

(b)

The Will should not have been made under duress.

(c)
No stamp paper or stamp duty is required. Plain white paper and preferably black
pen should be used.
(d)
There is no special style or word phrasing necessary, but the language should be
unambiguous. Mostly the Will is drafted by persons who have little knowledge of law and
often have little command over the language. In such cases, it is better to consult a solicitor.

HELP CALL
(e)
As far as possible the Will should be self written in own handwriting and signed.
The illiterates should place left hand thumb impression on the document.
(f)
If the person making the Will is sick, the same should be signed in the presence of a
Doctor. A suitable certificate from the doctor stating that the individual making the Will
was in full control of his faculties and capable of conscientious thinking while signing the
same, should be endorsed on the Will.
(g)
The signing of the Will should be witnessed and signed by at least two individuals,
recording their names and addresses. The witnesses, as far as possible, should be younger in
age than the person making the Will and should not be beneficiaries of the Will.
(h)
It is not compulsory to register the Will. There is a provision for registration of the
Will either by the Testator (maker of the Will) or by the person nominated as the executor
of the Will and there is no time restriction for the same. The main advantages of registering
the Will are, that the same is considered authentic and if the original is lost, then a certified
copy of the same can be obtained from the Registration Office. Another advantages is that
those seeking mutation, in case of registered Wills will no more need to avail No
Objection Certificates from other legal heirs of the property. A sealed envelope containing
the copy of the Will is to be handed over to the Registration Office for safe custody. On
demand of a copy, the envelope is opened and the Will is first copied in the register. A
copy of this document, duly certified, is then handed over.
(j)
The Will can be changed or modified by the maker at anytime. However, if a new
document is made or a correction slip is attached (called a CODICIL) the original formalities
must be followed. In the case of a new document, it should be clearly stated that, This
Will supersedes the earlier Will made on - (date). In absence of such a mention the new
Will may be considered as void.
(k)
To ensure that the arrangements made in the Will are properly carried out, a person
or a bank may be nominated in the Will as the Executor of the Will. Suitable
remuneration for the Executor and his expenses should be catered for in the Will.
(l)
32.

Format of a specimen Will is attached at Appx E

What can be Willed.

(a)
All the properties acquired from own earnings e.g salaries, business, investments,
shares, provident fund, gratuity, LIC claims etc qualify for disposal as per ones Will, and
the same cannot be challenged by the heirs.
(b)
As per Hindu law, a Hindu lady is the bonafide owner of the immovable properties in
her name in addition to all the ornaments and household goods received by her from her
parents, her husband, her in laws etc and is free to dispose off the same as per her own desire.
(c)
An individual generally Wills his entire possessions to his or her spouse on death.
Properties gained through hereditary rites are liable for equal distribution to the direct heirs.
It is convenient to mention details of such properties as well as the direct heirs in ones Will.
(d)
When some self acquired properties are held in joint names, the portion of the
properties owned by an individual can be disposed off through the Will.
(e)
It is convenient to attach a detailed list of the entire belongings, with the Will. It is
inevitable that such a list will undergo certain changes in due course of time. A suitable
mention of action to be taken in such an eventuality can be incorporated in the Will.

HELP CALL
33.

When the Will can be Declared as Void

(a)
If it is established that the Will itself or some portion of it has been written under
duress.
(b)
If there is over writing and changes which are not authenticated by the maker of the
Will and the witness.
(c)

If the Will is not duly signed by the witnesses.

(d)
If the provisions made in the Will are impossible to comply with or not legal or are
derogatory to social harmony.
Obtaining a Probate of Will
34.
Probate means to determine judicially the validity of a Will and is granted by a District
Judge when a Will exists. For this, the person in whose favor the Will is made or the executor of
the same must make an application to the District Judge of competent jurisdiction in accordance with
Section 264 of the Indian Succession Act, 1925. The District Judge, in turn will send a copy of the
application to the Judge in whose jurisdiction the late Testator had fixed residence. In order to obtain
Probate of Will, there are two legal requirements. Firstly, to establish in the civil court of law, that
the Will in question had been made voluntarily and signed by the deceased Testator in the presence
of independent witnesses, and secondly, to ascertain that there was no subsequent Will executed by
the deceased. To establish the first requirement, those who have signed as witnesses are required to
appear in the civil court and give evidence to authenticate the Will in question. Once this is done,
the court promulgates notice in Govt. Gazette and local newspapers, to whom it may concern, to
produce before the court within the given period, any Will, if held by any one claiming to be made
by the so named Testator. When the Will in question is not contested by any other member of the
family, a Probate of Will is issued by the court. In case witnesses to the Will have predeceased or
are not traceable then the nominees have to obtain succession certificate for claiming the estate of the
deceased. If the Will is registered with the Registrar/Sub Registrar, it obviates the requirement of
presence of witnesses to appear before the Magistrate to authenticate the Will and obtaining of
probate of Will is made easier.
35.
In case of a Will made by a Hindu, Sikh, Jain or Buddhists, probate is mandatory for
immovable properties situated in West Bengal, Pondicherry, Chennai and Mumbai. Probate is not
necessary in other states of India especially so if the will is a valid registered document. However if
the court has to issue a decree against a debtor of the testator (Insurance Policy or a bank deposit),
probate of the Will is essential. However if no executer is appointed in the Will the question of
grant of probate does not arise. Further, non-registration of a Will does not come in the way of
obtaining a probate.
Obtaining of Succession Certificate
36.
Succession in legal language means the order in which or the conditions under which one
person after another succeeds to property, dignity or title. Application for grant of a succession
certificate is required to be made to the District Judge. The Petition is said to be signed and verified
by or on behalf of the applicant in the manner prescribed by the Code of Civil Procedure. The
Petition must contain the date and time of death of the deceased, the ordinary residence of the
deceased at the time of his death and if any such residence was not within the local limits of the
jurisdiction of the judge to whom the application was made, then the details of the property of the
deceased within those limits. In addition, the petition should also contain the details of the family or
other near relatives of the deceased and their respective residences, the right in which the claim and
the debts and the securities in respect of which the certificate is applied for. On receipt of the
petition, the District Judge shall fix a day for the hearing and cause notice of the application and of
the day fixed for hearing. On the day fixed for the hearing, the District Judge shall proceed to decide
in a summary manner the right to the grant of certificate. When the judge decides that the right to the
properties belong to the applicant, he shall make an order for the grant of certificate to the person

HELP CALL
A Word of Caution
37.

(a)
The existence of pin holes in a Will is likely to give rise to a inference that some
documents were attached to the Will and thus may create difficulties at the time of proving
the Will and obtaining a probate in a court of law if and when the necessity arises. All are
therefore advised in their own interest not to pin or tag the Will executed by them. It should
also be ensured that a certificate is given in the Will that no attachments exist to the Will.
In case the details of properties (movable/ immovable) are many, specific mention of such
attachments should be made in the text of the Will.
(b)
Of late a tendency, to treat the parents/elderly dependents with a degree of
callousness and contempt, is becoming rampant in our society. It is therefore, advisable
for the Testator to make full provision for life for total financial independence for self
and spouse while executing the Will.

Living Will
38.
Many friends and colleagues have asked me to frame some guidelines on what they can do to
safeguard their interest while they are still alive.
39.
Rapid advances in medical science have given longevity to human beings through improved
diagnostic techniques and treatment procedures. However, in many cases old age, which is never
isolated from sickness, is a problem by itself. With the concept of Nuclear families becoming the
rule, old people, who in the Joint family system could expect to be looked after by other members,
now have hardly any one that they can bank upon to look after them. Moreso when they are living by
themselves and are isolated.
40.
A Will made under the Indian Succession Act, 1925 caters for the distribution of assets
created by the Testator, after his death. However what happens, when the person is still alive, but has
little or no control over his faculties. Euthanasia as a concept of painless exit is still being debated in
societies all over the world. Perhaps a clear cut answer, which is morally, legally and ethically
acceptable, may never be found.
41.
To cater for such a situation, that is till death, it is felt that making a separate Will called
LIVING WILL could be considered. This Will should include all the wishes/desires of the person
and how he would like these to be carried out, when he is unable to do so himself, till his death. This
LIVING WILL, only relates to person himself and will not have any effect on the Will made
under the Indian Succession Act, 1925.. The contents of the LIVING WILL should be known to the
immediate family members or in their absence to close friends since they will be needed to execute
the provisions of the Will. Such a Will should preferably be witnessed by the spouse and by at
least one child (son/daughter) or a close friend and kept with them.
42.
A suggested format of the LIVING WILL is attached at Appx F. Changes in the format
may be made to suit your own particular circumstances. Legal/Medical advice, if considered
necessary, may also be obtained before finalizing the LIVING WILL.
43.

Organ Donation
(a)
Organ donation means gifting someone a life. When one donates an organ, it
means a pledge, during their lifetime, that after their brain death, their organs can be
transplanted to help terminally ill patients, giving them a new lease of life. For a human
being, there can be no action more noble than to volunteer to become a organ doner. So
please volunteer at the earliest. For further details contact ORBO (Organ Retrieval
Banking Organisation), AIIMS, Ansari Nagar, New Delhi 110029. Tele No. 26593444,
26588360 or call 24 hrs Help Line Tele No. 1060. Army Hospital (R&R) and other
Service Hospitals can also be contacted for details/guidance. The form of pledge for
organ donation used by Army Hospital (R&R) Delhi Cantt is enclosed as Appx G.

HELP CALL
(b)
Where the offr or his spouse have pledged to donate their organs, immediate
action should to taken to inform such organization in case of death. The eyelid should be
closed and the body should be kept in a room where the fan and cooler have been
switched off and if possible the Air Conditioners have been switched on.
What Your Spouse/NOK Should Know
44.
You might have made enough money to make your family comfortable for the rest of their
lives, but will they get what is rightfully theirs. Have you ever bothered to think what would happen
to your family after you have departed from this world. In modern life matters are not as simple as
they should be. Every aspect needs a document, a written statement. May be you do have them, but
where are they? Are they easily accessible? Even the educated and working ladies generally do not
take any interest in financial matters. They take pride in saying that my husband looks after
financial/bank matters. Please tell your Spouse/NOK where/how to locate and to operate the
following while you are alive. Also prepare a file containing all letters which are required to be sent
by the widow/NOK to various authorities, with all columns completed less date and cause of death
being left blank. The widow should be able to only fill these blank columns, date the letter , sign and
post the same. Separate envelopes duly addressed should also be attached with each letter. This action
will be of immense help to the widow in her time of grief.
(a)

Your Will

(b)

Details of Bank Accounts and BANK LOCKERS (including key number)

(c) Bank/Post Office Accounts and lockers should be in joint names. Facilities of nomination
should be availed. Nominee should be other than joint operators.
(d) Fixed Deposits should be held jointly. Date of payment of interest as well as of maturity
should be noted in a Diary or on a calendar for timely action.
(e) Cumulative Time Deposits of Bank/Post Office, PPF etc. Pass Books should be got updated
regularly.
(f)

Birth Certificate.

(g)

Motor car/scooter papers and insurance papers for these.

(h)

Income Tax/Wealth Tax files.

(j)

Policy files LIC, GIC, Health/Mediclaim/Fire/House-hold Accident etc.

(k)

Pension Papers, if superannuated.

(l)

Property files Real Estate, Flat ownership etc.

(m)

Property Tax papers.

(n)

Telephone file first original Bill, where in rent equivalent to twelve months has been

retained as security, should be preserved.

(o)

Deposit receipts for Gas/Electricity/Water etc.

(p)

Passport, Driving License, Identity Card, ECHS Card, Canteen Smart Card, Sainik Board

Ex-Serviceman Identity Card, Club/Institute membership cards etc (photo copies thereof to be
kept separately).
(q)

Medical file including relevant test reports and medicines taken regularly.

(r)

Share certificates, their allotment advise for ascertaining capital gains.

(s)

Rent papers (Receipts, Lease document and any related correspondence).

(t)

Pending litigation papers and court decision, if any.

HELP CALL
(u)

Details of loans, if any, taken for House-building/purchase of car etc and their repayment

schedule.
(v)

Details of CREDIT CARDs with dates of validity.

(w)

Any other matter of interest to your family/NOK.

Note :- It is essential to train your Spouse/NOK to be able to deal with above mentioned
matters individually and independently or with the help of some friend or relative in whom
she has faith. As a matter of policy, it is better to have all the relevant documents in
joint names.
45.
Sale and Disposal of NSP Weapons and Exemption From Payment of Fee for Grant
or Renewal of Arms License .
(a)

NSP Weapons.
(i)
Serving/Retired Officers, JCOs and Serving Class I Civilian Gazetted
Officers are entitled to purchase NSP weapons ex-Ordnance as per SAO 4/S/2006.
Entitled persons will be allotted only one NSP weapon during his entire service
including post retirement period. Any officers/JCO who has been convicted under
Army Act or those who are below 21 years of age will not be entitled for allotment
of any NSP weapon. The weapon will be allotted by Standing Allotment Committee
and approve by the MGO. Application for allotment of NSP weapon should be fwd
to IHQ of MoD (Army) (OS-15A).
(ii)
Resale of NSP weapon will be governed by Army Act 1959, Chapter II with
prior sanction of the Standing Allotment Committee. NSP weapon purchased exOrdnance will be sold at reasonable rates to entitled persons as given in (i) above. If
sanction to sell/transfer as mentioned above is not accorded by the Standing
Allotment Committee, the weapon will be returned to COD Jabalpur by the
allottee under information to the Civil Licensing Authority.
(iii)
On demise of an Individual the legal heirs of the deceased weapon
holder may apply to the Standing Allotment Committee for retention of the
weapon as family heirloom on sentimental reasons. If sanction for retention is
not granted, the weapon will be returned to COD Jabalpur.

(b)
Under the provisions of GSR-993 dated 13 Jul, 1962, notified by Govt of India,
Ministry of Home Affairs, Ex-Servicemen (who are entitled to wear the uniform on special
occasions as per Defence Services Regulations) are exempted from paying fees for grant or
renewal of Arms License, for certain specified categories of weapons (along with
ammunition). So do check with the concerned local licensing Authority and avail of this
concession. Also do carry your Ex-Servicemen Identity Card as well as a copy of the Pension
Payment Order (PPO) for verification, if required.
Reverse Mortgage .
46.
If the retired officer owns a property and lives in it, the banks offer what is known as
Reverse Mortgage to maintain dignified living style. That is the bank will pay the officer a regular
monthly (income tax free) amount for his life time. This cumulative amount will not be recovered
from the offr or his spouse at any stage till their demise or till they vacate the property. The bank will
recover the dues either from the legal Heir or by disposal of the said property. If interested, please
consult your bank for more details.
Pension Payment To Joint Bank Accounts With Spouse Allowed.
47.
Government has decided to permit credit of pension to a joint account operated by
pensioners. This will be with his or her spouse, in whose favor an authorization for family pension
exists in the Pension Payment Order (PPO). The joint account of the pensioner could be operated

HELP CALL
either by Former or Survivor or Either or Survivor basis subject to the certain terms and
conditions. They are as follows:
(a)
Once pension has been credited to a pensioners bank account, the liability of the
Government/Bank ceases. No further liability arises, even if the spouse wrongly draws the
account.
(b)
As pension is payable only during the life of a pensioner, his/her death shall be
intimated to the bank at the earliest. This is to be done within one month of the demise, so
that the bank does not continue crediting monthly pension to the joint account even after the
death of pensioner. If however, any amount has been wrongly credited to the joint account, it
shall be recoverable from the account and/or any other account held by the pensioner/spouse
either individually or jointly. The legal heirs, successors, executors, etc., shall also be liable
to refund any amount, which has been wrongly credited to this account
(c)
Payment of Arrears of Pension (Nomination) Rules 1983 would continue to be
applicable to this account. This implies that if there is an accepted nomination in accordance
with Rules 5 and 6 of these Rules, arrears mentioned in the Rules shall be payable to the
nominee.
48.
Existing pensioners desiring to get their pension credited to a joint account, are required to
submit an application to the branch bank, from where they are drawing their pension in the devised
form, copy attached at Appx H.
(Authority Govt of India, Ministry of Finance, Department of Expenditure, Central Pension
Accounting Office OM No. CPAO/Tech/Amendements/Sch. Book/2005-06/69 dated June 9,
2005.)
Precautions to be taken for Safety .
49.
It is suggested that older persons, specifically those staying alone should observe the
following precautions :(a)
Get police verification of your domestic help done. Also keep a photograph and
finger prints of your servant.
(b)

As far as possible, avoid employing foreign nationals as it is difficult to verify them.

(c)
Install a Magic Eye and door chain on the entrance door. Instruct your servants not
to open the door without your permission.
(d)

A stranger could mean danger. Do not let in strangers, even for a glass of water.

(e)
Verify over telephone, the genuineness of strangers, who drop in with a relatives
reference.
(f)

Be in regular touch with neighbours and relatives.

(g)

Preferably install an alarm system to alert neighbours in an emergency.

(h)

Avoid any unnecessary show of wealth.

(j)
Avoid employing unknown persons as masons, carpenters, painters, plumbers etc.
Treat with suspicion, their reappearance without being called.

HELP CALL
Action in Case of Earthquake
50.

Before an Earthquake
(a)
Keep a torch, a portable transistor radio, and some eatables eg. Chocolates or biscuits
in a handy place.
(b)

In your home, keep corridors clear of furniture and toys.

(c)

Attach shelves, gas cylinders, vases, and flowerpots etc. to the walls.

(d)

Place heavy or bulky objects on the floor or the lowest shelves.

(e)
Every family member should know how to switch off the electricity, water and gas
supply.
51.

During an Earthquake
(a)
Keep calm, do not rush to the doors or exits, never use the lift, and keep well away
from windows, mirrors, chimneys and furniture.
(b)
Protect yourself by staying under the lintel of an inner door, in the corner of a room,
under a table or even under a bed.
(c)
If you are in the street, walk towards an open space. Keep away from buildings,
electric wires and slopes.
(d)
If you are driving, stop the vehicle away from buildings, slopes, electric wires and
cables and stay in the vehicle.

52.

After an Earthquake
(a)
Keep calm, switch on the transistor radio and obey any instruction that may be
broadcast.
(b)

Turn off water, gas and electricity.

(c)

Expect aftershocks.

(d)

Do not smoke or light any matches nor turn on any switches. Use a torch.

(e)

Try to put out a fire, if any, if you cannot, call the fire brigade.

(f)
Avoid places where there are loose electric wires and do not touch any metal objects
in contact with them.
(g)
If people are seriously injured, avoid moving them unless they are in danger. Await
rescue teams and also tell them if you know about any people buried in the debris.
(h)

Eat something. You will feel better and more capable of helping others.

(j)
If your home is badly damaged, you will have to leave it. Collect water containers,
food, any ordinary and special medicines (for persons with heart complaints, diabetes etc.)
Help For Funeral Arrangements From Corps/Regt/Unit
53.
A number of Arms and Services have framed instructions for rendering all possible help for
the funeral of the retired officers and PBOR. Army Ordnance Corps have issued formal instructions
and delineated responsibilities as follows:-

HELP CALL
(a)

(b)

Officers Residing in and Around Delhi

(i)

Retd DGs OS and Col Comdts,

Lt Gens and Gallantry Awards
winners, (VrC and above).

Dir OS Coord/OS Dte,

IHQ of MoD(Army)
Tele : 011-23019146/47

(ii)

Retd Officers of the Rank of Maj Gen

and Brig.

COD Delhi Cantt

Tel : 011-25693411

(iii)

All Retd officers up to the Rank

of Col.

CVD Delhi Cantt

Tel : 25693401
25693421

(iv)

Retd JCOs and OR.

OD Shakurbasti
Tel : 25291181

Officers Residing Outside Delhi

(i)

Retd DGs OS and Col Comdts Lt Gens and Gallantry Awards

winners, (VrC and above).

Under Corps arrangements

by the nearest Ord unit to be
Coordinated by the respective
MGAOC Command.

(ii)

Other Retd officers and PBOR -

By a unit nominated by
respective MGAOC Command.

Note :- In case of officers having served in any of the depot at Delhi or their ex Comdt, the wishes of
the relatives of the deceased offrs will be considered prior to nominations of the depots for conduct of
Last Rites of the deceased. (Auth :- Dte of Ordnance Services , MGO Branch letter No
25413/Funeral/OS-10A(iii) dated 12 Nov 2002).
54.
Information about the death may be communicated by the family members/friends of the
family or by the designated unit to the DGOS/OS 14 (Tele No. 011-23019146/47), ADGOS (CN&A)
(Tele : 011-23012165) and OS-10-A(iii) (Tele: 011-23019309). Details of the officer, address of the
next of kin and likely date time and location of the funeral should be intimated to designated
authorities as mentioned in Sub para (a) and (b) above. Necessary help for settling the dues of the
deceased will be provided by Dir OS (Adm) in case of Retd Officers and nominated Ord unit in case
of PBOR. In addition to the above Death/Demise Grant out of the AOC C&W fund will be paid as
follows :(a)
Demise Grant For Retd AOC Offrs. In case of death of a retired AOC Offr, a
sum of Rs 4000/- is paid to the NOK in lumpsum. This amount is paid by OS-14 for offrs
who reside in Delhi and NCR and for others, it is paid by AOC Centre.
(b)
Death Grant For Serving AOC Offrs. In case of death of a serving offr, a sum of
Rs 18000/- is paid to the NOK by AOC Centre Secunderabad. This amount is paid in 12
installments @ Rs-1500/- per month.
Immediate Action to be taken by family / friends.
55.

(a)
If the deceased had registered with a Organ Retrieval Banking Organization
(ORBO) for donation of organs, they should be informed immediately to do the needful.
Also see Para 43.
(b)

Inform relatives and friends.

(c)
Decide the time, date and place where funeral is to be done and inform all
concerned including the local unit responsible for providing assistance in organizing funeral
services, for necessary action.

HELP CALL
(d)
Obtain Death Certificate from the Hospital/Attending Doctor or a Registered Medical
Practitioner.
(e)

Arrange a vehicle/Hearse for carrying the body.

(f)

Arrange material required for the cremation.

(g)

Obtain a cremation certificate from the cremation ground authority.

(h)
The certificates mentioned at (d) and (g) above are to be submitted to
Authorities (Registrar of Births and Deaths) for issue of the Death Certificate.

Municipal

Note : Please check and ensure that there are no spelling or other mistakes in the death
certificate. All details must be correctly recorded.
PLEASE OBTAIN AT LEAST 25 TO 30 OR MORE COPIES OF THE DEATH
CERTIFICATE FROM MUNICIPAL AUTHORITIES WHO MAINTAIN REGISTER OF
BIRTH/DEATHS. THE WIDOW/ NEXT OF KIN SHOULD ALSO GET ABOUT 30 COPIES
OF THEIR PHOTOGRAPHS DULY ATTESTED.
Actions after the Funeral
56. Even though death is inevitable, our families and we are least prepared for such an eventuality. In
most cases the Widow/Next of Kin do not know what should be done to get the dues and avail of
other benefits. Officers are advised to maintain a file on Action to be taken with details duly filled
in and explained to the Next of Kin, so that they can initiate correspondence to avail of the undermentioned entitlements :-

(a)

Family pension.

(b)
Army Group Insurance Fund Benefits under extended insurance scheme (If
applicable).
(c)

Army Officers Benevolent Fund.

(d)

Canteen facilities.

(e)

Benefits (if any) from Regimental/Corps Funds.

(f)
Benefits (if any) of Personal Accident policies issued with Medi Claim Policies, Car
Insurance Policies, Household Insurance Policies, Credit cards etc.
57.
Enhanced, special and liberalized benefits are granted only on application by the entitled and
Not automatically Even family pension is granted only on application by the widow/NOK. We mostly
accept what the CCDA (P) or PDA remits to our pension account without verification. Hence do
calculated and ensure that you have correctly received your entitlement of all dues since CCDA (P) or
PDA can also make a mistake.
Intimation of Death
58.
Death of an Officer is to be intimated/informed at the earliest to a large number of authorities
as per the suggested list given below :(a)
In the case of death due to an accident, lodge an FIR at the nearest Police Station at
the earliest. This will be required for claims on Insurance Companies as well as for
processing payment of compensation by the concerned authorities.

HELP CALL
(b)
AGs Branch/MP5 (b), AGs Branch/PS4, AGs Branch/CW8 (AOBF), and Army
Gp Insurance (for extended life cover). Specimen letter is attached at Appx J.
(c)

CDA (P) through AG/MP5B. Refer to Para 59(c).

(d)
Manager of the Bank (Pension Disbursing Authority).
Appx J.
(e)

Directorate of the Regt/Corp concerned (Coord Section).

(f)

Inform Regional Head Quarter of ECHS.

Specimen letter is at

(g)
Various clubs for either transfer of membership to the widow or for refund of
security deposits. A suggested specimen letter to the clubs is enclosed as Appx L.
(h)
Municipal authority for transfer of property tax details/AWHO/NOIDA Authority
etc. as applicable for the transfer of House/Flat in the name of the widow and for change of
mutation.
(j)

Telephone authority for transfer of telephone connection.

(k)
Electricity Authority, Water supply Authority for transfer of name for the Meter
Connection.
(l)

Rationing Authority for change of name of Head of Family in the Ration Card.

(m)
Income Tax Authority for finalising the Tax return of the deceased. A suggested
specimen letter to the ITO is enclosed as Appx M.
(n)

Bankers for encashment of FDRs, Pension, Loans etc.

(o)

RTO for change of ownership of car/scooter.

(p)

Licensing Authority of the Police for transfer of Private Fire Arms.

(q)

LIC/GIC, if applicable, in respect of the insurance policies.

(r)
If proper WILL exists, approach court having jurisdiction for Probate of WILL,
and Succession Certificate for mutation of property, transfer of shares etc. Also see Para 29 to
37.
(s)
Zila/Rajya Sainik Welfare Board for Widow Identity Card. Specimen letter at
Appx N. Information about Rajya Sainik Board, Delhi is at www.rsbdelhi.nic.in .
(t)
Concerned post Office for settlement of deposits of Saving Bank Account, NSS,
NSC, PPF etc.
(u)
Obtain Medical Treatment Entitlement Card (if not earlier obtained by the officer)
from AGs Branch MP 5(b). Specimen letter is attached at Appx A and Annexure 1 to
Appx A.
Procedure for Claim of Benefits
59.

Ordinary Family Pension .

(a)
Ordinary family pension at the rate of 30% of the last pay drawn by the officer is
entitled to the widow and after her death to eligible children. Son is entitled to Family
Pension upto 25 years of age/getting married or earning more than Rs 3500/- per month,
Unmarried/Widows/Divorced daughter are entitled to Family Pension
for life or till re-

HELP CALL
marriage/earning more than Rs 3500/- per month. Now a days the PPO issued by CCDA (P),
Allahabad on retirement includes the
joint photographs with spouse, name of the spouse
as well as family pension admissible in case of his/her death. In such a case the widow has
only to intimate the death of her husband to the Pension Disbursing Authority (PDA)
through a simple letter. This should be done at the earliest but not later than one month from
the date of demise of the officer. Copies of this letter should be endorsed to all concerned
authorities e.g CCDA (P), AGs Branch /PS 4( c), AGs Branch/ MP 5(b), AGs
Branch/CW-8(AOBF), AGI, IHQ of MoD (Army) (Coord Section of Regt/Corps Concerned)
and Min of Def (Pen-C). A specimen letter is attached as Appx J. Based on this letter,
the bank is required to pay the family pension to the widow as indicated in the PPO, in the
Joint Account.
(b)
Where the retired officer was drawing pension in a Joint Bank Account with his
spouse the widow can continue to draw her family pension entitlement through the same
account. The earlier requirement of opening a separate single account will not apply in such
a case.
(c)
Where such an endorsement for entitlement for family pension does not exist in the
PPO, the widow has to submit an application for family pension on Form No MPB 501 copy
attached at Appx K to CCDA (P), Allahabad in triplicate through AG/MP-5(b) to enable
them to sanction the family pension. However, while awaiting formal sanction from
CCDA(P), Allahabad, the PDA will pay provisional pension to the widow in the single
account which the widow would be required to open, preferably in the same branch where
the officer had been drawing his pension. This account number is to be intimated by the
widow to the CCDA(P) as well as the PDA.
(d)
Parents and brothers/sisters are not authorized ordinary family pension in case of
officers who die as Bachelors.
(e)
Ordinary Family Pension at Enhanced Rate In case the officer dies within 7
years of retirement or before completing the age of 67 years, the widow is paid family
pension at Enhanced rate, which is double the rate of ordinary family pension as given above
for a maximum period of 7 years
or till the officer would have attained the age of 67
years, whichever is earlier, subject to a maximum of
50% of the last pay drawn. With
effect from 01.01.2006 in case of death in harness, Enhanced Pension will be granted for 10
years.
(f)
Ordinary Family Pension on Re-marriage. Wef 01 Jan 2006 Ordinary Family
Pension in case of childless widow will continue after re-marriage.
(g)
Widows/war widows on re-marriage are authorized to continue drawing pension vide
Govt of India, Ministry of Defence letters No 08(i)2004/D(Pen-C) Dated 28 Jun 2005, letter
No 1(1)/2001/D(pen/Policy) dated 20 Jan 2009 and letter No 1(2)/97D(Pen-C) dated 31 Jan
2001. There will thus be no requirement of giving no-remarriage certificate to the bank for
drawing of ordinary family pension/special/liberalized family pension.
Grant of Family Pension for Life to Handicapped Children
60.
A son or daughter of an officer, suffering from any disorder or disability of mind or
physically crippled or disabled, which renders him/her unable to earn a living even after attaining the
age of 25 years, is eligible for the grant of family pension for life, after the death of the Widow of the
Officer and where there are no other eligible children. The guardian should forward details of the
Handicapped child, to Army HQ/AGs Branch, MP5(b), West Block III, R.K.Puram, New Delhi as
follows:
(a)
A Certificate from competent medical authority (not below to rank of civil surgeon)
specifying the nature of physical/mental disability and the degree of the disorder.

HELP CALL
(b)
A certificate from the medical authority to the effect that the handicapped child is not
in a position to earn his livelihood.
61.
AG/MP5(b) after verification of the details will forward it to CDA(P), indicating that the
details of the Handicapped child have been taken on records. The acknowledgement from CDA(P)
will be sent to the Guardian, who should preserve it for production at the time of consideration of
claim of family pension to the handicapped child
62.
Dependents Pension Admissible in case of officers who die as bachelors on account of
causes attributable to service. The rate is 50%of the notional amount of special family pension that
would have been sanctioned to the widow had the officer been married. Dependent parents and in
their absence, dependent brothers/sisters are eligible for this pension.
63.
Special Family Pension In cases where the officer was in receipt of disability pension at
the time of his retirement and the cause of the death is held related to or aggravated by the disability,
the widow is entitled to special family pension of 60% of the last pay drawn subject to a minimum of
Rs 7000/-per month.
64.

Disability Pension.
(a)
The officer who retires / is invalided out, for a disability which is accepted as
attributable to or aggravated by military service, is entitled to disability pension
consisting of service element and disability element. In case of officers retained in service,
disability element will be granted / continued if disability is assessed at 20% or more. Service
element will be continue to be paid subsequently irrespective of the percentage of disability.
However, in respect of invalided out officers disability pension will be paid even for
disability assessed less than 20%. Officers who have forgone lump-sum compensation
in lieu of disability element/war injury element at the time of their retirement/discharge
whether voluntary or otherwise will he paid disability pension in addition to Retiring
Service Element / Gratuity. Disability Pension consists of disability and service element as
defined below :(i)
Disability Element of Disability . Liberalized Pension. For pre 01 Jan
2006 retirees, the rate of disability element is as given below for 100% disability.
Disability element is proportionately reduced depending upon the percentage of
disability. No disability element is admissible in case the disability is less than
20% except in case of invalidment wef 01 Jan 2006.
Ser No
(aa)

(ab)

(ac)

Rank

Amount
month
Commissioned Officers and Honorary Rs 5,880/Commissioned Officers of
three
Services, MNS, TA and DSC
Junior Commissioned Officers and Rs 4,300/equivalent rank of three services, TA
and DSC
Other rank of three services, TA and Rs 3,510/DSC

per

(ii)
War Injury Element of War Injury Pension . In case of Armed Forces
Pensioners who were invalided out /retired/discharged from services prior to
1.1.2006 and are in receipt of War Injury Element of War Injury Pension as on
1.1.2006, the revised rates of War Injury Element for 100% disability are as
given below. Where the disability of a pensioner is less than 100% the amount

HELP CALL
shall be proportionality reduced as per the degree of disability accepted and for the
period notified in the PPO.
Ser No
(aa)

(ab)

(ac)

Rank

Amount
per
month
Commissioned
Officers
and Rs 11,700/Honorary Commissioned Officers
of three Services, MNS, TA and
DSC
Junior Commissioned Officers and Rs 8,600/equivalent rank of three services,
TA and DSC
Other rank of three services, TA Rs 7,020/and DSC

(Auth: Govt of India Min of Defence Deptt of Ex-Serviceman Welfare, New

Delhi letter No 16(B) 2008(1)/D(Pension/Policy) dated 4 May 2009).
(b)
Service Element.
It consists of pension for service actually rendered i.e.
50% of last pay drawn subject to a minimum of Rs 3500/- per month.
(c)
Entire Disability Pension i.e. Disability Element and Service Element of a
Disabled Officer is Exempt from Income Tax.
(Auth: Para 9(c) Part I of AGS Branch, Brochure on Terminal Benefits for officers on
retirement and NOK, Revised Edition Jan 2010).
65.
Special Family Pension on Re-marriage of Widow. Special Family Pension which shall
be calculated at the uniform rate of 60 % of reckonable Emoluments irrespective of whether widow
has children or not on re-marriage of widow shall be regulated as follows :(a)

Commissioned Officers.
(i)

(ii)

66.

If she has child(ren)

:-

(aa)

If she continues to support

children after remarriage

Full Special Family

Pension to continue to
Widow.

(ab)

If she does not support

children after re-marriage

Ordinary Family
Pension (OFP) equal to
30% of emoluments last
drawn to the remarried
widow. 50% of the
Special Family Pension
to the eligible children.

Full Special Family

Pension to continue to
widow.

If widow has no children.

Liberalized Family Pension .

(a)
Admissible when death takes place during action in war, war like situation, CI Ops,
terrorist actions and battle inoculation exercises and is equal to last pay drawn for all ranks
for life. Liberalized Family Pension is admissible to the nominated heir until death or
disqualification. In case of the officer is not survived by widow but is survived by

HELP CALL
child/children only, the senior most eligible child shall be eligible for Liberalized Family
Pension at 60% of Reckonable Emoluments of deceased officer till his/her
death/disqualification, where after it will pass on the next eligible child.
(b)
Dependent Pension (Liberalized) in Respect of Commissioned Officers
(including MNS Officers, TA Officers and ECOs/SSCOs).
Where an officer dies as
bachelor or as a widower without children under the circumstances mentioned in (a) above.
Dependent Pension (liberalized) shall be admissible to the parents without reference to their
pecuniary circumstances at the rate of 75% of Liberalized Family Pension for both parents
and at the rate of 60% of Liberalized family Pension for single parent. On death of one parent
dependent pension at the latter rate shall be admissible to dependant brother(s) and sister(s)
if otherwise eligible at the rate of 60% of LFP.
67.
Grant of Liberalized Family Pension to War Widows who Re-married Before
01.01.1996 It has been decided to grant liberalized family pension (equal to reckonable emoluments
last drawn) to war widows who remarried before 1.1.96. The grant will be admissible from the date
of issue of Govt of India, Ministry of Defence, Department of Ex-Servicemen Welfare, New Delhi
letter No.8(1)/2004/D (Pen-C) dated 28.6.2005( Appx O) .
68.
Simplification of Procedure for drawal of Pension/Family Pension in r/o NRIs.
The
procedure of drawal of pension/family pension in respect of NRIs has been further streamlined. The
family pension as notified jointly in the PPO in respect of retired pensioners commence on production
of death certificate. Till now the family pensioners had to be identified in person by the PDO before
authorizing release of family pension. Instructions issued in Mar 2006 vide
PC/PN/7994/431/B/D(pen/Sers/06 dated 08 Mar 2006 exempt the NRI pensioners/family pensioners
settled abroad from personnel appearance at the time of first drawal of pension/family pension
provided the Indian Embassy/Mission abroad issues an identification certificate to that effect.
Army Group Insurance Fund Benefits
69.
In case the officer had opted for and was covered under the Extended Insurance Scheme, the
amount will be paid by AGIF on submission of an application as per Appx J (Para 58 (b) refers).
Army Officers Benevolent Fund- Demise Grant.
70.
No formal Application is required. Widow/NOK has to intimate death of deceased officer to
AGs Branch/CW8(AOBF), who after verifying the records/details will send an amount of Rs.50,
000/- as Demise Grant. This will be based on the letter at Appx J (Para 59 refers). The demise
grant is exempted from Income Tax.
Canteen Facilities
71.

(a)
Widows of officers are entitled to avail of indigenous canteen stores less
specially allocated/short supply items. For this purpose, the entitled individuals are attached
to the nearest station/unit run canteen as convenient to Station HQ. Where smart Card have
already been issued to the spouse by the Canteen, action by Station HQ in such cases will not
be required.
(b)
Widows of Officers including Hony Commissioned Officers are also authorized to
draw 3 bottles of liquor per month. The dependent CSD Canteen will issue the authorization
Card to the widow for this. (Auth : QMG Branch/CS Dte letter No 96129/Q/DDG CS dt
07 Oct 2008 refers).

Legal Assistance
72.
This is being provided to the wives of serving personnel and widows in consultation with
legal Department of Army HQ. Similar facilities are also available at Command level.

HELP CALL
Benefits/Concessions Granted by Central/State Govts/Union Territories
73.
In addition to pension and other benefits, widow/NOK of Ex-Service personnel have been
granted other concessions as given below:(a)
Grant of Monetary Allowance attached with various post Independence Gallantry
awards.
(b)
Air Travel Concession by Indian Airlines Corporation to War Widows, Permanently
War Disabled Ex-servicemen and their families and Gallantry award Winners.
(c)
Issue of Rail Travel Concession Cards admissible to War Widows and Indian Peace
Keeping Force casualties in OP PAWAN.
(d)

Reservations for employment in various organizations.

(e)

Quotas in educational institutions for children of Ex-Servicemen.

Note :- These concession/benefits are announced by various authorities by time to time Officers/NOK
are advised to keep in touch with the Zila Sainik Board for the latest status of these.
74.
In order to assist Widows/NOK in the rehabilitation process, a number of Welfare schemes
have been initiated at the State level. Financial assistance for various contingencies is also available.
The benefits are available to the Widows/NoKs from respective States Govts/ UTs, who can be
approached through the nearest Zila Sainik board. Detailed information, where required, may be
obtained from AGs Branch MP 5(b) or Kendriya /Zila Sainik Boards.
Other Concessions
75.

(a)

Gallantry Awards Winners.

(i)
The pension received by an individual, who has been in service of the
Central or State Government and has been awarded Param Vir Chakra or Mahavir
Chakra or Vir Chakra or such other gallantry award as the Central Government may,
by notification in the official gazette specify in this behalf, has been declared
exempt from income tax.
(Authority: Finance Act 1999 Section 10(18) of Income Tax Act 1961)
(ii)
The under mentioned gallantry awards have now been added to those
mentioned in sub para (i) above in the circumstances as mentioned in corresponding
column 3 thereof :TABLE

Sl No.
(1)
1.
2
3.
4.

Name of Gallantry Award

(2)
Ashok Chakra
Kirti Chakra
Shaurya Chakra
Sarvottam Jeevan Raksha Padak

Circumstances for eligibility

(3)
When awarded for gallantry
-do-doWhen awarded for bravery displayed by them in
life saving acts
-do-dofor When awarded for acts of exceptional courage
displayed by members of police forces, central
police or security forces and certified to this effect
by the head of the department concerned.

5.
6.
7.

Uttam Jeevan Raksha Padak

Jeevan Raksha Padak
Presidents Police Medal
Gallantry

HELP CALL
8.
9.

10.
11.
12.

13.
14.
15.

Police Medal for Gallantary

Sena Medal

-doWhen awarded for acts of courage or conspicuous

gallantry and supported by certificate issued to
this effect by relevant service headquarters
Nao Sena Medal
-doVayu Sena Medal
-doFire Service Medal for Gallantry
When awarded for acts of courage or conspicuous
gallantry and supported by certificate issued to
this effect by the last Head of Department
Presidents Police and Fire
-doServices Medal for Gallantary
Presidents Fire Services Medal
-dofor Gallantry
Presidents Home Guards and
-doCivil
Defence
Medal
for
Gallantry
Authorities :- (Min of Fin Notification No 1156/F.No 142/29/99-TPL dated 24 Nov 2000).
(b)
Some State Govts (e.g. Delhi) have exempted War Widows and Gallantry
award
winners in Defence Forces from paying property tax on one self occupied residential
property. Special Rebate on Property Tax is also granted to ex-servicemen or their widows
by some states. Specific details can be checked from the respective Rajya Sainik Boards.
(c)
Indian Airlines have extended 75% concession in fare to the recipients of preindependence (level I comprising Victoria Cross, George Cross and level II- comprising
Distinguished Service Cross, Military Cross, Distinguished Flying Cross and George Medal)
Gallantry Awards.
(Authority: AGs Branch DO letter No B/44612/AG/CW-3 dated 27 Jun 2001).
(d)
The Ministry of Railways have extended the privilege of issue of first class/II AC
sleeper complimentary passes to recipients of Gallantary Awards and widows of winners of
Gallantary Awards They are eligible to take a companion with them in the same class.
(e)
Gallantry Award winners, war widows and Disabled soldiers will be provided
telephones on priority through Non-OYT/special category. They would be exempted from
paying the Installation fee and he given 50% concession in normal rental charges.
(f)
Heart Patients, alone or alongwith upto one escort, are entitled to 75% concession on
fare in any class when traveling by train for heart surgery in a recognized Hospital and for
return journey also. A certificate issued by officer incharge of a recognized hospital on a
prescribed Performa is required to be obtained for this concession.
(g)
Cancer Patients, alone or alongwith upto one escort, are entitled to 75% concession
on fare in any class when traveling by train for treatment/periodical check up in a recognized
Hospital and for return journey also. A certificate issued by officer incharge of a recognized
cancer hospital on a prescribed perform is required to be obtained for this concession.
(h)

Thalassemia and Liver patients same as (f) & (g) above.

Concessions for Senior Citizens

76. Senior citizens (those who are 65 years and above) have been given concessions by various
Govt. Agencies/Departments. Some of the important ones are listed below :
(a)
Total exemption of income Tax on annual income upto Rs 2,40,000 as per Finance
Bill 2010/2011. Please update such exemptions annually based on the Finance Bill.

HELP CALL
(b)
30% discount on rail fare for all classes of travel ( In case of ladies who are 60 years
old and above).
(c)
50% discount on basic air fare by Domestic airlines (Sahara Airlines gives this
discount to persons who are 62 years old, or above)
(d)
Club subscription for Senior Citizens : Some clubs
either charge
reduced
rates or exempt Senior Citizens from payment of monthly subscriptions. Do check with your
club for this facility.
(e)
Grand Citizen Award Serviceman : An Ex-Serviceman (Pensioner or nonpensioner) belonging to Delhi and registered with Rajya Sainik Board, on attaining the age
of 80 years will be given a one-time grant of Rs.5000.00 as Grand Citizen Award. Apply to
Secretary, Rajya Sainik Board, No.1 Rajpur Road, Delhi 110054 (Tele Nos. 23991876,
23969260), on plain paper enclosing attested copies of the following documents :(i)
(ii)
(iii)

PPO.
Ex-Serviceman Identity Card.
Proof of age, copies of service particulars /discharge certificate.

IMPLEMENTATION OF GOVERNMENT DECISION ON RECOMMENDATIONS OF 6TH

PAY COMMISSION
77.
PENSION Consequent to the implementation of the Government orders on the pension
for Pre 01.01.2006 retirees and their family pensioners the amount has been revised many times for
various ranks from those contained in Govt of India, Ministry of Defence and Deptt of ExServiceman Welfare New Delhi letter No 16(6)2008(P)/Pension dated 11 Nov 2008. Some changes
may still take place from time to time. The existing rates of pension and family pension are indicated
in Appx P. The earlier pension rates were related to pay of serving officers. However, in case of 6th
CPC the pension in most cases is not related to pay of serving officers. The rates of pension for the
officers are at Appx P are for service of 30 years and above. The rates of Family Pension are also
given in the same appx against each rank. The rates of Pension and Family Pension for the PBOR are
given at Appx Q.
78.
The retiring pension for post 01 Jan 2006 is granted on completing a minimum qualifying
service of 20 years (15 years in case of late entrant). The linkage of full pension with 33 years of
qualifying service has been dispensed with from 01 Jan 2006. The retiring pension of commissioned
officers retiring/invalidated out on or after 01 Jan 06 will be calculated at 50% of emoluments last
drawn or average of reckonable emoluments drawn during last 10 months, whichever is more
beneficial. Post acceptance of 6th CPC recommendation, weightage factors have been withdrawn.
Dearness Relief (DR).
79.
Dearness Relief is payable on the Basic Pension at rates which are revised twice a year i.e.
on 01 Jan and 01 Jul. Since 1.1.96 the Dearness Relief rates for pensioners are at par with the
Dearness Allowance for the serving personnel. Dearness Relief rates with effect from 01 Jan 2006
are given at Appx R.
80.
Based on the recommendations of the Fifth Pay Commission, it was decided that wef
01
Apr 2004, that when the Dearness Relief exceeds 50% Dearness Relief equal to 50% will be merged
with the existing Basic Pension and shown distinctly as Dearness Pension. Such Dearness Relief
converted to Dearness Pension would be deducted from existing Dearness Relief.
81.
Grant of Fixed Medical Allowance. Armed Forces pensioners and their family pensioners
have been granted a fixed Medical Allowance @ Rs.100.00 p.m. for meeting day-to-day medical
expenses that do not require hospitalization, and those who opt for not utilizing Out-Patient
Department (OPD) treatment in Armed Forces Hospitals/ M.I Rooms. This is particularly applicable
to those who are residing in an area where facilities of Armed Forces Hospitals/ M.I Rooms are not

HELP CALL
available. Existing pensioners as well as retirees upto 31 Mar 2003 had to exercise a one time option
in this regard and submit this undertaking on the prescribed form available with the Pension
Disbursing Authority (PDA). Based on this, necessary endorsement was made on their PPOs, as
well as on their Identity Cards. Payment of the Fixed Medical Allowance is made by the PDA to the
pensioners along with pension/family pension on a monthly basis.
(Ministry of Defence Letter
No:1(1)/98/D (Pen-Sers) dated 15 June 1998). This allowance will be discontinued if an ESM joins
the Ex-Servicemen Contributory Health Scheme. Please also refer Para 10.
Reckonable Emoluments.
82.

Unless otherwise specified the term Reckonable Emoluments shall mean:(a)

For Officer. Pay in the pay band + Grade Pay + MSP + Non Practicing
Allowance (if any) + Dearness Allowance.
(b)
For Personal Below Officer Rank (PBOR). Pay in the Pay Band + Grade Pay
+ X Group Pay (where applicable) + MSP + 50% of the Highest Classification Allowance
(revised rates effective from 01 Sep 2008) , if any, of the Group and rank at the time of
discharge/invalidment.

83.
Additional Pension to Old Pensioners.
the old pensioners shall be increased as follows :-

Age of Pensioner
From 80 Years to less than 85 years
From 85 Years to less than 90 years
From 90 Years to less than 95 years
From 95 Years to less than 100 years
100 Years or more

The quantum of additional pension available to

Additional Quantum of Pension

20% of basic pension
30% of basic pension
40% of basic pension
50% of basic pension
100% of basic pension

(Auth : Govt of India, Min of Defence (Army) letter No 17 (4)/2008 (2)/D(Pen/Pol)

dated 12 Nov 2008).
84.
Recording of Date of Birth of Spouse . The Pension Sanctioning Authorities should
ensure that the date of the birth and the age of pensioner are invariably indicated in the pension
payment order to facilitate payment of additional pension by the Pension Disbursing Authority as
soon as it becomes due. The amount of additional pension will be shown distinctly in the pension
payment order. For example, in case where a pensioner is more than 80 years of age and his pension
is Rs 10,000 per month, the pension will be shown as (i) Basic Pension = Rs 10,000 and (ii)
Additional Pension = Rs 2,000 per month. The pension on his attaining the age of 85 years will be
shown as (i) Basic Pension = Rs 10,000 per month and (ii) additional Pension = Rs 3000/- per month.
85.
In order to implement the above, the date of birth of the officers as well as his/her spouse,
whole name is mentioned in the PPO (as eligible to receive family pension) would required to be
recorded in the records of PCDA and issued as Corr PPO to the officers bankers as well as other
concerned authorities. While the date of birth of the officers is already recorded in the PPO, the date
of birth of the Spouse is not recorded in the PPO in most of the older cases. In order to do so
PCDA(P), Allahabad have issued detailed instruction for submitting a LPC-Cum-Data Sheet for
grant of additional pension to pensioners/family pensioner over 80 years-Commissioned Officers
vide their letter No G-1M/01/ICOs/VICPC/Comp/Vol-1 dated 11 Sep 2009. The complete letter is
enclosed at Appx S alongwith Annexure 1 to 7. The numbering of the Annexure may seem odd
but it has been done in line with the guidelines contained in Annexure 7. The LPC Data Sheet is at
Annexure 6 and instruction on filling the same are at Annexure 7.
86.
The above mentioned Data Sheet duly completed will be submitted to PCDA through AGs
branch MP-5(b) in triplicate alongwith a copy of any of the following duly attested documents :(a)

PAN Card.

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(b)

Matriculation Certificate (Containing information regarding date of birth).

(c)

Passport.

(d)

ECHS Card.

(e)

Driving License (If it contains Date of Birth).

(f)

Election Identity Card (If it contains Date of Birth).

87.
AGs Branch MP-5(b) after due verification and checking will fwd the Data Sheet alongwith
the supporting documents to PCDA for issue of Corr PPO to all concerned.
Nomination For Payment Of Life Time Arrears To Spouse.
88.
Payment of Arrears is governed differently from payment of family pension, even if pension
account is held jointly with the Spouse. The rules do not permit payment of Arrears, if any, to the
Spouse unless there is a nomination for the same. The nomination form is required to be submitted to
the concerned bank in triplicate for distribution as under :(a)

One copy for record of the bank.

(b)

One copy to be forwarded by the Bank to PCDA(Pension), Allahabad.

(c)

One copy duly acknowledged by the Bank, for record of applicant.

89.
(Reference Rule -5 Payment of Arrears of Pension (Nomination) Rules,1993). A suggested
covering letter as well as blank nomination form is attached at Appx T and Annexure 1.
FOURTH PAY COMMISSION- ANOMALY IN PAY FIXATION
90.
In accordance with recommendations of 4th Pay Commission and the decision thereon,
Defence Officers were granted an integrated Scale of Pay 2300-100-3900-150-4250-EB-150-5100. In
addition, Rank pay for Captain, Major, Lt Colonel, Colonel, Brigadier and their equivalent in the
Navy and Air Force was also granted.
91.
Although the Rank Pay was sanctioned in addition to the basic pay, but while fixing the pay
in the integrated scale an amount equal to the rank pay was deducted from the total emoluments,
which resulted in financial loss to the officers with cumulative effect on Pay, DA, Pension,
Commutation, Leave encashment etc.
92.
Honble High Court of Kerala at Ernakulam restored the benefits in the case of Maj AK
Dhanapalan Vs UOI in OP No 2448 of 1996. Ministry of Defence and Chief of Army Staff instead of
supporting other similarly affected Officers, had appealed against the judgment of Honble Mr Justic
CS Rajan, in the Division Bench of High Court of Kerala at Ernakulam vide WA No 518 of 1999
(B). The Honble Mr Justice KA Abdul Gafoor and Honble Mr Justice JM James had dismissed
UOIs appeal on 04 July 2003. Union of India then filed a SLP in the Supreme Court of India which
was dismissed by Honble Justice BP Singh and Honble Mr Justice SH Kapadia in July 2005.
93.
The Union of India now has filed a revision petition in the Supreme Court of India against
the judgment mentioned in para 3 above. The date of hearing is awaited.
94.
Quotable Quotes.
All the proceeding Paras have been related to problems of physical
wellbeing and survival. Some quotes to lighten your mood were printed on the inside of front and
back covers. Now some more profound quotes have been received Courtesy
Maj Gen Gautam Moorthy, ADG OS (CV) & Col Comdt, some of which are enclosed at Appx U as
food for thought.

HELP CALL
Appendix A
(Refers to Para 9 )
To
Adjutant Generals Branch/MP 5(b)
IHQ of MoD (Army)

West Block-III, RK Puram

New Delhi- 110066 (Tele 011-26195662)

APPLICATION FOR MEDICAL ENTITLEMENT CARD IN

TERMS OF AO 10/97
1. I,

IC__________________

Rank_______________ Name________________________

Regt/Corps___________________ retired from Army service on ____________________ and

am drawing service pension vide Pension Payment Order

No ______________

___________________ and have a family and dependent member as per details given below:
2. My retired Officers Identity Card No is ____________________.
3. I am drawing/not drawing disability pension for __________________ (name of disability)
with effect from ______________vide pension payment order No________________.
Ser No

Relationship

Name

Age

Two Identification
marks for each

Certified that the wife, unmarried children (including step children and adopted children) are
directly dependent on me.
Date:____________

(Signature of Ex-officer)
Address of officer

____________

Instructions
1.
Ex-servicemen and their families (the term family will include wife/dependent children
below 25 years of age and unmarried) are entitled to medical attendance from Military Hospitals.
2.

Parents are eligible for medical attendance/treatment from service sources.

3.

The following documents should be forwarded alongwith application form :(a)

Copy of Pension Payment Order.

(b)

Two joint passport size photographs with wife and dependent children in civil dress.

(c)

Copy of retired officers identity card.

(d)

Copy of widow identity card (in case of widow).

4.
Concessions are not admissible to the Ex-Servicemen who are employed in Govt/Semi Govt
Departments or other public or private sector under takings, which provide medical facilities to their
employees.

HELP CALL
Annexure 1 to Appendix A
(Refer to Para 9 )

CERTIFICATE AS PER AO 10/97

1. I, IC _________________ Rank__________________ Name _________________________ and

am employed/not employed by any Govt/Private Organisation.
2. I am employed in ___________________________and (Name of firm/institution/organisation) am
getting/not getting any free Medical treatment from my employer.
3. Particulars of my family who are dependent on me are as under :-

Ser
No

Name

Relationship
& Martial status

Date of birth

Two Identification
marks for each

Date :______________

Signature
___________________
(Name in block capitals)

Place: ______________

Complete Address ________________

HELP CALL
Appendix B
(Refers to Para 13)

IMPROVEMENTS IN EXTENDED INSURANCE SCHEME

OF ARMY GROUP INSURANCE FUND

A compulsory Group Extended Insurance (EI) Scheme was introduced in the year 1981 with
the aim of providing insurance cover for the death without any maturity benefits for eligible members
after retirement / release upto a specified period. It is a term insurance scheme under which in case of
death of a member with in the period of cover, the nominee is paid the amount of insurance cover and
it has no survival benefits. For this scheme onetime non refundable single premium is deducted from
the maturity amount at the time of retirement/discharge/release from the eligible members.
The payment liability is worked on the basis of age of entry, likely mortality of the period of
cover, rate of interest and total payment liability. The subscription amount along with the interest
earned is just adequate to meet the liabilities of all its members. As the scheme works on a group
concept, the premia liability is kept as a low as possible. The scheme for Officers and PBOR, are
worked out and operated separately so that the benefits and subscription of each group remains within
that group only. The subscription paid by PBOR does not benefit the Officers and vice versa.
With the implementation of the Sixth Central Pay Commission recommendations, paying
capacity of members has increased. Accordingly, insurance cover for members during service has
also been increased, thereby increasing monthly subscription and the maturity benefits to the
members. Also there is enhanced awareness in the environment about inescapable requirement of
insurance cover even after retirement. Thus, the environment had been approaching AGIF for the
increase of Post Retirement EI Cover. The proposal was discussed during the Fifty Fifth Meeting of
the Board of Governors of AGIF held on 21 Apr 09. The Board of Governors has approved revision
in EI Scheme as given in the succeeding paragraphs.
EI Cover .
EI Cover for the Offrs be increased from existing Rs 4 lac to 6 lac and the PBOR
from the existing Rs 2 lac to 3 lac.
Admissibility . The improved EI cover will be applicable from the prospective date to all eligible
members retiring/released/discharged from Army on and after 30 Jun 2009 and eligible for
membership of EI scheme as per the existing eligibility conditions .
Period of Cover .
The members who are retiring/released/discharged on or after 30 Jun 2009
will be covered for a period of 26 years after retirement or 75 yrs of age whichever is earlier under the
revised EI Scheme.
One Time Non-Refundable Premium payable at the time of Retirement/ Release/ Discharge.
Based on the period of cover applicable, the following onetime non refundable premium as worked
out by the actuary will be deducted out of maturity benefit from the eligible members including Short
Service Commissioned Officers and MNS Officers at the time of retirement/Release/Discharge :-

S.NO

Age of Retirement

(a)
(b)
(c)
(d)

52 Years & Below

53 Years
54 Years
55 Years

One Time Premium Payable

Officers
PBOR
Rs 42,660/Rs 22,200/Rs 41,930/Rs20,900/Rs 41,170/Rs 20,530/Rs 40,360/Rs 20,120/-

HELP CALL

(e)
(f)
(g)
(h)
(j)
(k)
(l)

56 Years
57Years
58 Years
59 Years
60 Years
61 Years
62 Years

Rs 39,470/Rs 38,520/Rs 37,490/Rs 36,380/Rs 35,300/Rs 33,890/Rs 32,490/-

Rs 19,680/Rs 19,200/Rs 18,690/Rs 18,140/-

Premium will be reviewed periodically based on experience of mortality and interest rates
and revised when considered necessary for future retirees.
Survival Benefits.
It being a term insurance Scheme, the EI Scheme provides purely an
insurance cover for death during the period of cover and does not have any survival benefits, i.e. in
case the member survives beyond the period of cover, no survival/maturity benefits is admissible.
EI Certificate of Eligible Members. The detail showing period of cover, insurance amount and
onetime non refundable premium will be indicated in the EI certificates issued to the eligible
members retiring/released/discharge on and after 30 Jun 2009.
Coverage for Members Who Joined the Scheme Earlier.
The existing EI cover and period
will continue as shown on the EI Certificate issued to members who have retired prior to 30 Jun
2009.
There is no other change in the existing terms and conditions under EI Scheme.
Review of Scheme.
The AGI Board of Governors reserve the right to review the Scheme
periodically and modify it, as considered necessary.
(Authority : AGI Bhawan letter No A/56271/R/AG/Ins(Coord) dated 14 May 09 addressed to All HQ
Comds)

HELP CALL
Appendix C
(Refer to Para 27 )

From :
_______________
_______________
_______________
To:

The AOBF
AGs Branch/CW-8
IHQ of MoD (Army)

West Block III, R.K.Puram (Room No.76)

New Delhi - 110066 ( Tele: 011-26196217)

Sub:

PAYMENT OF PLATINUM GRANT IN RESPECT OF

IC_______________________

Rank

Name________________________________

Regt/Corps

_______________
_____________________

PPO No_____________________________________
Sir,
I retired from the Army on ___________________ My date of Birth is
_______________________ Since I have Completed ________________ years of age,
may I request you to send the platinum grant admissible to me at the earliest. My
residential address is as given above.

Thanking you,

Yours faithfully,

HELP CALL
Appendix D
(Refers to Para 28 )
To
The Manager
.....................Bank/Treasury/Post Office/PPM (As applicable)
Sub:
Restoration of Commutation of Pension after 15 years - Implementation of
Judgment of the Supreme Court.
Sir,
Kindly restore my commuted portion of pension in terms of Ministry of Personnel, PG &
Pension, Department of Pension and Pensioners Welfare OM No. 34/2/86 - P&PW, dated 05 March
1987.
Requisite particulars are given below: 1.

IC No & Rank_______________________________

2.

Name (in Block letters) _______________________

3.

Date of retirement __________________________

4.

PC/PPO No _______________________________

5.

Amount of original pension ___________________

6.

Amount of pension commuted (if any) __________________

7.

Pension Account No (with the Bank) ____________________

8.

Name of the Account Office viz the authority who issued the PC/PPO ______________

9.

Name of Treasury/Post Office/PFM/Other Pension disbursing agency.

Date

Signature of Pensioner
Address ________________________
_______________________________
Particulars verified.
Signature
Rubber Stamp
Pension Disbursing Authority

HELP CALL
Appendix E
(Refers to Para 31(l))
SPECIMEN WILL
LAST WILL AND TESTAMENT
1.
I, the undersigned______________________ Son/wife of ____________________born on
_____________residing at ___________(city) ______________Pin), am making this Will on
_____________(date). My earlier WILL made on ________________(date) is hereby cancelled.
2.
As on date I am not suffering from any disease-or-Even if I am suffering from ailments, I am
in full control of my faculties. Dr______________________will certify to this effect. I am not
making this Will under any threat or duress. I am making this Will to ensure that after my death my
properties are disposed off as per my wishes.
3.
A detailed list of all my belongings is attached. In due course of time this list may undergo
some changes. These entire belongings have been acquired or accumulated as a result of my salaries,
investments, business etc, and I am free to dispose off the same as per my wishes. In the list attached
household items like utensils, kitchen equipments, washing machine etc and ornaments; being
STREE DHAN are not included, which will be disposed off as per the wishes of my wife Smt
____________________________________.
4.
In
my
family
only
my
spouse,
Smt_________________________
and
______________________ are dependent on me. Other members of my family who are not
dependent on me include the following :- (Give list showing relationship against each).
5.
On my death all my belongings shall be the property of my spouse who will be free do
dispose off the same as per her own desire. If however, my spouse is not alive at the time of my
death then alone my properties will be disposed off as described in the succeeding paragraphs.
6.
Immovable Properties. The house/flat at the address _____________________________
will be shared equally by all my children (including daughters). If it is mutually decided to give
possession to one of my children, he or she should pay the share of market cost to the others.
Otherwise the properties should be disposed off in the market and the proceeds shared equally by
them.
OR
I could not complete the education of my elder son due to my meager earnings and with his help I got
my daughter married/completed the education of my younger son. For this reason I want my elder
son -(full name) - to retain the house property in his name.
OR
The Executor of this Will should sell my immovable properties and after meeting my dues
donate the balance amount to -(name & address) - a social organization.
7.
Movable Properties: Details of the movable properties, showing the desired beneficiary
against each item should be attached. If the asset is to be used to clear dues, the same should be
clearly mentioned.
8.
The Executors of the Will should first clear my dues, meet the expenses incurred on my
account, take their share of ____________ %of the balance to cover their expenses etc and distribute
the balance assets amongst the following as shown against each:
Name

Relationship

Percentage of Share

Remarks if any

(a)
(b)
(c)
9. If the distribution made above is not uniform a small note stating reasons, if any, may be recorded.

HELP CALL

10.
I am appointing _______________(name and address) ________________________As the
Executor of this Will. He will be entitled to retain ____________% of my cash assets for his efforts
and expenses. This Will shall be considered as the authority letter for effecting all transfers
envisaged in this document by the Executor.
11.
If my spouse is alive at the time of my death, then the properties inherited by me should be
disposed off as per Will made by my spouse.
12. On my death no religious ceremonies should be insisted upon. As far as possible my body should
be cremated in an electric crematorium.
OR
There should be no mourning on my death.

Place
Date

Signature ..........................
Name
Address.

Witness. 1
Name_________________ Address______________________________I certify that I have signed
this document in the presence of _________________(Name)____________ Who has made this
Will.

Signature______________ Date _________________Place ________________

Witness. 2
Name ___________________Address ___________________I certify that I have signed this
document in the presence of_____________ (Name)____________ Who has made this Will.

Signature ________________Date _________________ Place________________

HELP CALL
Doctors Certificate

I, Dr _______________________ Address ___________________________________

have examined _________________ (Name) _____________________________ who is suffering
from _________________________ (Ailments).

I certify that he has signed this Will in my

presence, when he was in full control of his mental faculties and in full control of his senses.

Signature______________

Place _____________ Date ____________

HELP CALL
Appendix F
(Refers to Para 42)
LIVING WILL
BY
BRIG R K KOHLI (Retd)

1.
I,
the
undersigned__________________________________________son/wife
of_________________________born
on_________________________
residing
at
______________am making this LIVING WILL on ________. This Living Will has no
relationship or effect on my Will made under the Indian succession Act 1925 executed
on______________. This is a request to my near and dear ones as well as Hospital and if required
legal authorities to respect my wishes.
2.
As on date, I am in full control of my faculties and am not suffering from any ailments which
might impair my ability and competence to make deliberate and conscious decisions.
Dr
____________________ S/o _________________ resident of _________________________ is
witness to my physical, mental and emotional state. I am not making this Living Will under any
threat, duress or influence.
3.
I am making this Living Will to ensure that my desire and mandate regarding my treatment
and life support are clearly spelt out and understood by my family, friends and treating doctors and
legal authorities if applicable and that I am allowed to die in a dignified, peaceful and as painless a
manner as possible, without unduly prolonging my life, when I am not able to communicate.
4.
In case, I get afflicted with an incurable disease, the treatment should not be avoidably
prolonged in the hope of a miracle. I should be allowed to die without being subjected to repeated
surgical procedures.
5.
In case I am put on artificial Life Support System, either due to some disease or due to
injuries sustained in an accident and if there is hardly any hope of recovery, if so certified by the
Attending Doctors, the life support system should be disconnected at the earliest.
6.
In case due to a stroke or some other diseases, I am confined to bed and am unable to look
after my personal and hygiene needs and if medication has no effect, treatment and nutrition shall be
stopped and I shall be allowed to die.
7.
If I lapse into a vegetable existence due to DEMENTIA, ALZHEIMERS Disease or
any other malady affecting my ability to lead an intelligent existence, all nutrition shall be
discontinued and I shall be allowed to die.
(There may be many other circumstances/situations of helplessness. In every case the aim
should be to reduce the suffering of the person and his family be it physical, emotional or
financial. The list of situations given above can be modified accordingly to cater for them. )
8.
I have registered my name with the ORGAN RETRIEVAL BANKING ORGANISATION
of All India Institute of Medical Sciences, New Delhi vide Registration No. 1218. (or a similar
organization/service Hospital of your area/city). Please inform them immediately on my death or on
being declared Brain Dead on Tele No. 1060 to do the needful. As far as possible my body, after
retrieval of organs, when returned by AIIMS, be cremated in an Electric Crematorium, without
observing any religions ceremony or procedure.

HELP CALL

9.
Or,
I want my body to be donated for medical research to________________Hospital.
My friends and relations be informed of my death through a Notice in the Newspaper and with a
request not to offer or send any condolences.
10.
I have lived a full life. My spouse is financially provided for. My children have grown up and
are leading their lives separately. I am fully contented with my circumstances. As such on my death
there should be No mourning.

Signature__________________
Name_____________________
TESTATOR/EXCUTANT
Place
Date
Certified that the LIVING WILL has been signed in my presence

Witness-1

Signature_____________Name_________________Address

Witness-2

Signature_____________Name__________________Address

Witness-3 (Doctor)

Signature_____________Name_________________Address

HELP CALL
Appendix G
(Refers to Para 43 (a))
ARMED FORCES MEDICAL SERVICES
ARMED FORCES ORGAN RETRIEVAL AND TRANSPLANT AUTHORITY (AORTA)
Department of Gastroenterology, Level 5
Army Hospital (R&R), Delhi Cantt-110010
Tele : 23338133
E-Mail : aorta.ahrr@gmail.com
PLEDGE FOR ORGAN DONATION
Date ___________________
1.
I, ________________________ self/son/daughter/Wife of No ___________ Rank _______
Name __________________________________ Unit ___________________________________
hereby give my consent to donate my following organ (s) in the event of my brain death with the hope
that it may save lives and / or restore their sight:(a)
(b)
(c)
(d)
2.

Heart
Lungs
Liver
Kidney

(e)
(f)
(g)
(h)

Pancreas
Small Bowel
Cornea
Others (specify)

My Particulars are as under :(a)

Date of Birth
(b)
Blood Group
(c)
Address

(d)
(e)
(f)

____________________________
____________________________
____________________________
____________________________
____________________________
Tele / Mob No
____________________________
E-Mail
____________________________
Donor Card to be mailed / to be collected in person (please tick option)

___________
Witness-I
(Signature)

Name
_________________
Address __________________
___________________

___________________
Signature
__________________
Witness-II
(Signature)

Name
_________________
Address ________________
________________

(Please mail completed form or deposit it at the reception desk of department of Gastroenterology)

HELP CALL
Appendix H
(Refers to Para 48)
To
The Branch Manager
------------------------ (Bank)
----------------------- (Branch and Address)
Sub :-

Payment of Pension Under PPO No _________________________ Through Your

Bank Branch.

Dear Sir/Madam,
1.
I wish to receive my pension under PPO No.. by
getting it credited to the saving/current bank account No... which is operated jointly
in your branch by me and my spouse, Mr/Mrs. .. in whose
favor an authorization for family pension exists in the Pension Payment Order (PPO).
2.
I have read and understood the contents of the Government of India, Ministry of Finance,
Department
of
Expenditure,
Central
Pension
Accounting
Office
OM
No.CPAO/Tech/Amendments/Sch. Bok/2005-06/69 dated 09.06.2005 which contains the following
terms and conditions. Once pension has been credited to a pensioners bank account, liability of the
government/bank ceases. No further liability arises, even if the amount is wrongly drawn by the
spouse.
(a)
As pension is payable only during the life of a pensioner, his/her death shall be
intimated to the bank at the earliest and in any case within one month of the demise, so that
the bank does not continue crediting monthly pension to the joint account with the spouse,
after the death of the pensioner. If, however, any amount has been wrongly credited to the
joint account, it shall be recoverable from the joint account and/or any other account held by
the pensioner/spouse either individually or jointly. The legal heirs, successors, executors etc.,
shall also be liable to refund any amount, which has been wrongly credited to the joint
account.
(b)
Payment of Arrears of Pensions (nomination) Rules, 1983 would continue to be
applicable to the joint account with pensioners spouse. Thus if there is an accepted
nomination in accordance with Rule 5 and 6 of these Rules, arrears mentioned in the Rules
will be payable to the nominee.
3.
I accept the above terms and conditions. My spouse too, in token of having accepted those
terms and conditions, has put his/her signature below.

Place :

Date

1.

Signature of Pensioner

2.

Signature of Spouse

HELP CALL
Appendix J
(Refer to Para 59 (a))
From: ___________________
___________________
___________________
To:

Senior Bank Manager

__________________
__________________
__________________

Sub:

Intimation

Of

Death

And

Payment

Of

Family

Pension

In

IC__________ Rank __________ Name _____________________________

Respect

of

Regt/Corps

_____________

Sir,
1.
I regret to inform you that my husband _______________________________expired on
_____________ Death certificate to this effect issued by the Hospital/Municipality is enclosed for
your further action.
2.
My late husband was in receipt of revised retiring pension of Rs __________ per month vide
PPO No ________________________________ dated ______________. In addition he was in
receipt of Dearness pension and Dearness relief. These were being paid by your Bank branch through
Joint Saving A/C No_________________________________________-.
* 3.
My name is included in the above PPO for payment of family pension. I am also a Joint
holder of the above Joint Saving A/c No ______________________________with your Bank.
4.
In view of the demise of my husband, it is requested that his pensionary payments be
discontinued with effect from date of death ie ___________________. My family pension may
please he credited to same Joint saving account No _____________________________with effect
from ____________________________.

Thanking you,

Yours faithfully,

Copy to: 1.

CCDA (P)
Draupdighat
Allahabad 211014
U.P (Tel : 0532-623849)

for information and necessary action alongwith

a copy of Death Certificate.

2.

Adjutant Generals Branch / MP 5(b)- for information and necessary action alongwith
IHQ of MoD (Army)
a copy of Death Certificate.
West Block III, R K Puram
New Delhi 110066, (Tel : 011-26195662/
26195669)

HELP CALL
3.

AGs Branch/PS 4( c)
for info
IHQ of MoD (Army)
DHQ PO, New Delhi - 110011 (Tele : 011-3375138)

4.

AGs Branch/CW-8(AOBF)
for information and necessary action alongwith a
IHQ of MoD (Army)
copy of Death Certificate.
West Block III, R.K.Puram
New Delhi - 110066 (Tele 011-6196217)

5.

IHQ of MoD (Army) (Coord Section of Regt/Corps Concerned)

6.

Army Group Insurance Fund AGI Bhawan

Rao Tula RAM Marg
New Delhi - 110057
(Tele: 011-26142793)

The following documents are enclosed: (a)

Death Certificate
(b)
Extended Insurance Certificate
No ________________
( c)
My Bank Particulars are as follows: (i) SB A/c No ..............................
(ii) Name of Bank .........................
(iii) Address of Bank

It is requested that the amount of the sum assured may please be sent to my Bank A/c as
mentioned above, under intimation to me.
*
7.

If this Para is not applicable, please take action as per Para 59 (c).

Ministry of Defence (Pen-C)

Ministry of Defence
New Delhi-110011

for information and necessary action

alongwith a copy of Death Certificate.

HELP CALL
Appendix K
(Refers to Para 59 (c))
Form No MPB-501
TO, The PCDA (P), Allahabad
APPLICATION FORM FOR PENSION TO WIDOW OF OFFICERS
PART-I
PARTICULARS RELATING TO DECEASED OFFICER

1.

Surname _________________________First Name ______________________

(Block Letters)

2.

(a)

Unit/Corps/Ship _______________ (b) Rank _________________

(c)

Date of Birth _________________ (d) Place of Birth _______________

3.

To be answered only if death occurred after termination of service.

(a)

Date of Death ________________ (b) Place of Death ________________

PART-II
PARTICULARS OF APPLICANT

4.

Surname ________________________First Name ______________________

(Block Letters)
(Block Letters)

5.

Address in Full _____________________________________________________

6.

(a)

Date of Birth ____________ (b) Date & Place of Marriage ___________

7.
Were you living apart from your husband at the time of his death for any reason other than
his employment with the forces ? If Yes attach a statement of circumstances.
8.

(a)
Particulars of children of the deceased officers under 18 years of age (see note
overleaf) in respect of whom allowances claimed.
BIRTH CERTIFICATE TO BE ATTACHED IF AVAILABLE

Full Name
(Full Name of each child

(b)
(c)
(d)

Sex

Date and Place of Birth

Present Address (if different

from your own, state reasons)

Are all the children maintained by you ____________________________

Nationality __________________________________________________
State/Province, you belong _____________________________________

9.
Have you or any of the children been injured in war ________________________
If so, state date, place and nature of injury and whether your claim for compensation has
made______________________________________.

been

HELP CALL

10.

(a)

Are you or any of your children in receipt of any pension or allowance.

(b)
Have you applied for any pension or allowance (apart from the present application)
or do you intend doing so.
_____________________________ If so, state as to when you have applied or intend to
apply ______________________________________________________________ .
11.
State Name of Treasury or Bank and A/C No where you desire pension should be made
payable, if granted.
PART-III
PARTICULARS OF ANY PENSION RECEIVED BY THE DECEASED OR THE
APPLICANT OR THEIR CHILDREN
Name of
Pensioner

Nature of pension
or allowance

Amount

By whom paid

Reference No (PPO No
and Date)

DECLARATION
I HEREBY DECLARE that to the best of my knowledge and belief, the answers to the
questions on this form are true and complete and I claim pension on the basis of the facts set forth. I
undertake to furnish any further particulars that may be required.

_____________________________
Witness to signature (Any Commissioned
applicant
Officer of the Defence Services on effective
list not below the rank of Capt or equivalent
rank or Magistrate under his court seal).

________________________
Ordinary Signature of

Address of witness _________________________________

_________________________________
_________________________________

Date :
Note. When pecuniary circumstances require, an allowance may also be granted under certain
conditions after the age of 18 for child who is :(i)
(ii)

An apprentice (or in an analogues position) receiving not more than nominal wages.
OR
Being apprentice at University, Technical Schools or Secondary School or

(iii)
Incapable of self support by reason of infirmity. If you wish to claim any such
allowance you should attach a statement giving full particulars.

HELP CALL
Appendix L
(Refer to Para 58 (g))
From
Name :

Telephone No

Address _______________
_______________
_______________
To,
Secretary (Club)
-------------------------------------------------

Mobile No

TRANSFER OF MEMBERSHIP NO
LATE
.

TO WIDOW OF

Dear Sir,
1
I regret to inform you that my husband IC________ Rank _______ Name _____________
expired on date ___________ at __________________________________.
2
It is requested that Membership No _________ may please be transferred to my name. Two
copies of my attested photographs are enclosed. Membership Card No__________ of my late
husband is enclosed for cancellation. My Membership Card may please be sent to me at the above
address.
3.

All correspondence and billing may please continue to done at the present address as before.

Thanking You
Yours faithfully

(____________)

HELP CALL
Appendix M
(Refer to Para 58 (m))
From : ____________
Telephone No
Mobile No

Address _______________
_______________
_______________
To,
Income Tax Officer
------------------------------------------------CLOSING OF INCOME TAX RETURN FILE AND LINKING WITH THE
IT RETURN OF THE BENEFICIARIES
IC

Rank

Income Tax Account No _________________

Name

.
PAN No ____________

Dear Sir,
1.
I regret to inform you that my husband ______________________ expired on ________. The
copy of the Death Certificate is enclosed.
2.

He was in receipt of retiring/revised pension of Rs ____________ per month.

*3.
As the cause of his death was due to an accident, FIR has been lodged with the police Station
in Sector ______ copy of FIR is enclosed.
Action Requested
1.

You are requested to kindly Close the IT return File of my late husband

2.
May I request you to please guide me as to the other action that I should take so that the
Income Tax Returns in respect of the Beneficiaries may be linked and proper Annual Income Tax
Returns may continue to be submitted to you.
Should you require any additional information or documents you may please contact me at
the address and telephone numbers given above.
Thanking You

Yours faithfully

(____________)

* If applicable, otherwise delete.

HELP CALL
Appendix N
(Refer to Para 58(s))
From : _______________
_______________
________________

To :

* Rajya/ Zila Sainik Kalyan Board

1, Rajpur Road
DELHI 110054 (Tele : 23991876, 23969260)

Sub:

ISSUE OF WIDOW IDENTITY CARD IN RESPECT OF LATE

IC ________ Rank ___________Name _______________ Regt/Corps ___________

Sir,
1.
I regret to inform you that my husband __________________ expired on ___________ due
to ____________________. He was in receipt of retiring pension of Rs ___________ per month vide
PPO No _____________________________dated _____________. Death Certificate to this effect
issued by the Hospital/Municipality is enclosed.
2.
Identity Card No-______________ (Issued by Rajya/Zila Sainik Kalyan Board) in respect of
my late husband is enclosed for your records please. Also enclosed are the following :

3.

(a)

A copy of the above PPO

(b)

Three copies of my photograph duly attested.

It is requested that a Widow Identity card may please be issued to me at the earliest.

Yours faithfully

Indicate the address as applicable in your location.

HELP CALL
Appendix O
(Refer to Para 67)
1(1)/2001/D/(Pen/Policy)
Government of India
Ministry of Defence
Deptt. Of Ex-Servicemen
Welfare New Delhi
20 Jan, 2009
To,
The Chief of Army Staff
The Chief of the Naval Staff
The Chief of the Air Staff
Subject :-

Grant of Special Family Pension to Widows who Re-married

Before 01.01.1996- Instructions Regarding

Sir,
1.
In continuation of this Ministrys letter No PC 1(2)/97-D(Pen-C), dated 16 May 2001 on the
subject mentioned above, I am directed to convey the sanction of the President to grant Special
Family Pension to a widow whose Special Pension was stopped on her re-marriage before 01 January
1996. Such pension may be regulated in terms of para 5.8 of this Ministrys letter No 1(2)/97D(penC) dated 31 January 2001.
2.
The actual benefits arising out of this order will be payable from the date of issue of this
letter. No arrears shall be admissible.
3.

Pension regulations of three Services will be amended in due course.

4.
This issue with the concurrence of Defence (Finance) vide their UO No 200/Fin/Pen dated
07.01.2009

Yours faithfully,

Sd/xxxxxxxxx
(Ajay Saxena)
Under Secretary to the Government of India

HELP CALL
Appendix P
(Refer to Para 77)
PENSION / FAMILY PENSION PER MONTH- PRE 1.1.2006
CASES FOR OFFICERS/NOK
Ser
No

Rank

Basic
Pension
as on
1.1.2006

Dearness
Pension
as on @

Total
Pension

(a)
1
2
3
4
5
6
7
8
9
10

(b)
2nd Lt/Lt
Capt
Major
Lt Col (TS)
Lt Col (S)
Colonel
Brigadier
Maj Gen
Lt Gen
Lt Gen
(VCOAS/
Army Cdr
General
COAS

(c)
13500.00
13850.00
14100.00
25700.00
25700.00
26050.00
26150.00
26700.00
36500.00
40000.00

(d)

(e)

11

45000.00

Basic
Family
Pension
as on
1.1.2006
(f)
8100.00
8310.00
8460.00
15420.00
15420.00
15630.00
15690.00
16020.00
21900.00
24000.00

Dearness
Family
Pension
as on @

Total
Family
Pension

Remarks

(g)

(h)

(j)

27000.00

Notes :1.
The above pension and family pension rates are based on the following Govt of
India, Min of Def, Deptt of Ex-Serviceman Welfare, New Delhi :-

(a)

Letter No 16(6)2008(1) D(Pension/Policy dated 11 Nov 2008.

(b)

Letter No 17(4)2008(i)/D Pen/Policy dated 20 Jan 2009.

(c)

Letter No 16(6)2008(1) D(Pension/Policy dated 21 May 2009.

(d)

Letter No 16(6)2008(1) D(Pension/Policy dated 20 Jan 2010.

2.
Columns (d) and (g) will become applicable when the Dearness relief (DR)
crosses 50%, when 50 % of the DR will be
merged with Basic Pension/
Basic Family Pension as Dearness Pension. These columns may then be
filled
accordingly. When this happens the total of columns (c+d) will be total Basic Pension
under column (e). Similarly the total of columns (f+g) will be total family pension
under column (h).
3.
The Pension amount shown in column (c) above is for Qualifying Service of 30 years
and above.

HELP CALL
Appendix Q
(Refer to Para 77)
PENSION / FAMILY PENSION PER MONTH- PRE 1.1.2006 CASES FOR PBOR/NOK
TABLE 1 SERVICE PENSION
Rank

Sep

Naik

Havildar

Nb Sub

As on
01.01.2006
10
10.5
11
11.5
12
12.5
13
13.5
14
14.5
15
15.5
16
16.5
17
17.5
18
18.5
19
19.5
20
20.5
21
21.5
22
22.5
23
23.5
24
24.5
25
25.5
26
26.5
27
27.5
28 and
above

3500
3500
3500
3500
3534
3614
3694
3775
3855
3935
4016
4096
4176
4257
4337
4417
4497
4578
4658
4738
4819
4819
4819
4819
4819
4819
4819
4819
4819
4819
4819
4899
4979
5060
5140
5220
5300

3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3555
3625
3694
3764
3834
3904
3973
4043
4113
4182
4182
4182
4182
4182
4182
4182
4182
4182
4182
4182
4252
4322
4391
4461
4531
4600

As on
01.01.2006

3500

3500

Sub

Sub Maj
Y

Hony
Lt
X

Hony
Capt
X

3500
3500
3500
3500
3500
3500
3500
3584
3667
3750
3834
3917
4000
4084
4167
4250
4334
4417
4500
4584
4667
4750
4834
4917
5000
5000
5000
5000
5000
5000
5000
5084
5167
5250
5334
5417
5500

3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3564
3637
3710
3782
3855
3928
4000
4073
4146
4219
4291
4364
4364
4364
4364
4364
4364
4364
4437
4510
4582
4655
4728
4800

3500
3500
3500
3500
3500
3500
3500
3500
3500
3541
3628
3714
3800
3887
3973
4060
4146
4232
4319
4405
4491
4578
4664
4750
4837
4923
5010
5096
5182
5182
5182
5269
5355
5441
5528
5614
5700

3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3500
3561
3637
3713
3788
3864
3940
4016
4091
4167
4243
4319
4394
4470
4546
4546
4546
4622
4697
4773
4849
4925
5000

3841
3969
4097
4225
4354
4482
4610
4738
4866
4994
5122
5250
5378
5506
5634
5762
5890
6018
6146
6274
6402
6530
6658
6786
6914
7042
7170
7298
7426
7554
7682
7810
7938
8066
8194
8332
8450

3523
3641
3758
3875
3993
4110
4228
4345
4463
4580
4697
4815
4932
5050
5167
5285
5402
5519
5637
5754
5872
5989
6107
6224
6341
6459
6576
6694
6811
6929
7046
7163
7281
7398
7516
7633
7750

3932
4036
4194
4325
4457
4588
4719
4850
4981
5112
5243
5374
5505
5636
5767
5898
6029
6160
6291
6422
6554
6685
6816
6947
7078
7209
7340
7471
7602
7733
7864
7995
8126
8257
8388
8519
8650

3614
3735
3855
3975
4096
4216
4337
4457
4578
4698
4819
4939
5060
5180
5300
5421
5541
5662
5782
5903
6023
6144
6264
6385
6505
6625
6746
6866
6987
7107
7228
7348
7469
7589
7710
7830
7950

3978
4110
4243
4375
4408
4651
4773
4906
5038
5171
5304
5436
5569
5701
5834
5966
6099
6232
6364
6497
6629
6762
6894
7027
7160
7292
7425
7557
7690
7822
7955
8088
8220
8353
8485
8818
8750

3660
3782
3904
4025
4147
4269
4319
4513
4635
4757
4879
5001
5123
5245
5367
5489
5611
5733
5855
5977
6099
6221
6343
6465
6587
6709
6831
6953
7075
7198
7319
7441
7563
7685
7807
7929
8050

6137
6341
6546
6750
6955
7160
7364
7569
7773
7978
8182
8387
8591
8796
9000
9205
9410
9614
9819
10023
10228
10432
10637
10841
11046
11250
11455
11660
11864
12069
12273
12478
12682
12887
13091
13296
13500

6296
6506
6716
6925
7135
7345
7555
7765
7975
8185
8394
8604
8814
9024
9234
9444
9654
9863
10073
10283
10493
10703
10913
11122
11332
11452
11752
11962
12172
12382
12591
12801
13011
13221
13431
13641
13850

3500

3500

TABLE 3 FAMILY PENSION

3500 3500 5070 4650 5190

4770

5250

4830

8100

8310

Note :- 1.
Rank means rank last held and not the rank for which pensioned.
2.
PBOR retained in service and beyond the maximum period of service during emergency
from 26.10.62 and 04.08.71 and operation PRAKARAM minimum pension has been shown upto 28
years.
3.
Defence Security Corps (DSC) pensioners belonging to clerical cadre and Gen duty
cadre shall be paid on the basis of pension/family pension for Group Y in respective of ranks
Army.

HELP CALL
Appendix R
(Refer to Para 79)
DEARNESS RELIEF
Date from which payable
From 01.01.2006
From 01.07.2006
From 01.01.2007
From 01.07.2007
From 01.01.2008
From 01.07.2008
From 01.01.2009
From 01.07.2009
From 01.01.2010
From 01.07.2010
From 01.01.2011
From 01.07.2011
From 01.01.2012
From 01.01.2012

Rate of Dearness Relief per Mensem

No Dearness Relief
2% of Basic pension/Family pension
6% of Basic pension/Family pension
9% of Basic pension/Family pension
12% of Basic pension/Family pension
16% of Basic pension/Family pension
22% of Basic pension/Family pension
27% of Basic pension/Family pension
35% of Basic pension/Family pension
45% of Basic pension/Family pension
of Basic pension/Family pension
of Basic pension/Family pension
of Basic pension/Family pension
of Basic pension/Family pension
of Basic pension/Family pension
of Basic pension/Family pension

Note :- Dearness Relief at the rates indicated in above table will also be admissible on the additional
basic pension/additional family pension available to older pensioners/family pensioners based on the
age of as indicated in Ministry of Personnel , PG & Pensions, Deptt of Pensions & Pensioners
Welfare letter No 42/2/2008P&PW(G) dated 12 Sep 2008.

HELP CALL
Appendix S
(Refer to Para 85)
By Speed Post
No. G-1/M/01/ICOs/VICPC/ COMP/Vol-I
Office of the PCDA(P)
Allahabad-14
Date : 11/09/2009
To,
(i)

Integrated H.Qrts. of MoD (Army)

AGs Branch, West Block-V
RK Puram, New Delhi-66

(ii)

Integrated H.Qrts. of MoD (Air Force )

D of PP&R, West Block -VI
RK Puram, New Delhi-66

(iii)

Integrated H.Qrts. of MoD (Navy)

PP&A, DHQ PO
New Delhi

SUB :- Notification Of Date Of Birth Of Pensioners On The PPO For Additional Pension
REF:- GOI, MoD Letter No 17/(4)/2008(I)/D(Pen/Policy) Dated 11/11/2008
------------------------------*-------------------------------------*-------------------------------------A data sheet bearing No G-1/M/DS-4A(copy Enclosed) has been designed for notification of
date of birth of retired / deceased commissioned officers and their family for issue of corrigendum
PPO for notification of Date of Birth through PPO for the purpose of additional Pension.
It is requested that the claim for notification of date of birth may be sent on above data sheet
duly signed by the competent authority alongwith supporting documents. The format of data sheet
along with instructions for filling same are enclosed herewith for perusal and necessary action in the
matter.

Encls ( as above)

(Sd/-xxxxxxx)
A CDA (P)

Copy to :The CGDA

West Block- RK Puram New Delhi-66
NOO
The OI/C
Gp-IV,V,VII,VIII,IX,X
(Local) For information and necessary action in the matter. A copy of LPC cum data sheet
alongwith instructions for filling the same are enclosed herewith for perusal.

HELP CALL
Annex 1 of Appx S
(Refer to Para 85)
RANK CODE

ARMY

AIR-FORCE

NAVY

CODE

SECOND LT

PLT OFFICER

ACTING SUB LT

LIEUTENANT

FLYING OFFICER

SUB LIEUTENANT

CAPTAIN

FLT LIEUTENANT

LIEUTENANT

MAJOR

SQN LEADER

LT COMMANDER

LT COL (TS)

WING COMMANDER (TS)

COMMANDER (TS)

LT COLONEL

WING COMMANDER (S)

COMMANDER (S)

COLONEL

GROUP CAPTAIN

CAPTAIN

BRIGADIER

AIR COMMODORE

COMMODORE

MAJ GENERAL

AIR VICE MARSHAL

REAR ADMIRAL

LT GENERAL

AIR MARSHAL

VICE ADMIRAL

10

LT GEN (CMDR)

AOC-IN-C

FOC-IN-C

11

LT. GEN (DGAFMS)

******

******

12

LT.GEN (VCOAS)

VCAS

VCNS

13

GEN (COAS)

CAS

CNS

14

COLONEL (TS)

*******

******

15

HELP CALL
Annex 2 of Appx S
(Refer to Para 85)
PDA CODES
Pension Disbursing Agencies

CODE

DPDO

POST OFFICE

TREASURY

INDIAN EMBASSY NEPAL

PAO

Director of Accounts, PANAJI, GOA

FINANCE SECRETARY GANGTOK

Indian Embassy, THIMPU

PUBLIC SECTOR BANK

HELP CALL
Annex 3 of Appx S
(Refer to Para 85)

DPDO CODES
DPDO
CHANDIGARH
RED-FORT-1
RED-FORT-II
BRAR SQUARE
HYDERABAD
SECUNDERABAD
PALAMPUR
HAMIRPUR
DHARAMSALA
YOL
MANDI
SIMLA
KARNAL
AMBALA
BHIWANI
JHAJHAR
SONEPAT
GURAOAN
ROHTAK
NARNAUL
HISSAR
RIWARI
JAMMU-TAWI-I
(AKHNOOR ROAD)
JAMMU- TAWI- II
JAMMU-CANTT
(SHASTRI NAGAR)
UDHAMPUR
SRINAGAR
RAJOURI
LEH
PATHANAMTHITTA
JHUNJHUNU

CODE
01
02
03
04
05
06
07
08
09
10
11
12
13
14
15
16
17
18
19
20
21
22
23

DPDO
BANGALORE
ERNAKULAM
KOTTAYAM
TRICHUR
TRIVENDRUM
QUILON
AMRITSAR
KAPURTHALA
BATALA
LUDHIANA
MOGA
JULLUNDER
JAGRAON
PATIALA
BHATINDA
ROPAR
HOSHIARPUR
FEROZEPUR
SANGRUR
PATHANKOT
GURDASPUR
JAIPUR
MADRAS

CODE
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52

24
25

VELLORE
MEERUT

53
54

26
27
28
29
60
61

KANPUR
GORAKHPUR
ALLAHABAD
CALCUTTA
UNA
DASUYA

55
56
57
58
59
62

HELP CALL
Annex 4 of Appx S
(Refer to Para 85)
CODES FOR STATE / UNION TERRITORIES / NEPAL
SNO
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.

STATE
ANDHAR PRADESH
ASSAM
BIHAR
GUJRAT
HARYANA
HIMACHAL PRADESH
JAMMU & KASHMIR
KARNATAKA
KERALA
MADHYA PRADESH
MAHARASHTRA
MANIPUR
MEGHALAYA
NAGALAND
NEPAL
ORISSA
PUNJAB
RAJASTHAN
SIKKIM
TAMIL NADU
TRIPURA
UTTAR PRADESH
WEST BENGAL
GOA, DAMAM & DIU
ANDAMAN & NICOBAR ISLAND
ARUNACHAL PRADESH
DADAR & NAGAR HAVELI
CHANDIGARH
DELHI
LAKSHADWEEP
MIZORAM
PONDICHERY
CHHATTIS GARH
JHARKHAND
UTTARANCHAL
BHUTAN

CODE
AP
AS
BI
GU
HA
HP
JK
KA
KE
MP
MA
MN
ME
NA
NE
OR
PB
RS
SK
TN
TR
UP
WB
GD
AN
AR
DN
CH
DE
LD
MZ
PO
CG
JR
UR
BH

HELP CALL
Annex 5 of Appx S
(Refer to Para 85)
BANK CODES
SLNO
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.

NAME OF BANK
ALLAHABAD BANK
BANK OF BARODA
BANK OF INDIA
BANK OF MAHARASHTRA
CANARA BANK
CENTRAL BANK OF INDIA
DENA BANK
INDIAN BANK
INDIAN OVERSEAS BANK
NEW BANK OF INDIA
ORIENTAL BANK OF COMMERCE
PUNJAB & SIND BANK
PUNJAB NATIONAL BANK
STATE BANK OF BIKANER & JAIPUR
STATE BANK OF HYDERABAD
STATE BANK OF INDIA
STATE BANK OF INDORE
STATE BANK OF MYSORE
STATE BANK OF PATIALA
STATE BANK OF SAURASHTRA
STATE BANK OF TRAVANCORE
SYNDICATE BANK
UNION BANK OF INDIA
UNITED BANK OF INDIA
UNITED COMMERCIAL BANK
VIJAYA BANK
CORPORATION BANK
ANDHRA BANK
I.C.I.C.I. BANK LTD.
H.D.F.C. BANK LTD.
I.D.B.I. BANK LTD.
AXIS BANK LTD.

CODE
ALD
BOB
BOI
BOM
CNB
CBI
DEB
INB
IOB
NBI
OBC
PBE
PNB
SBB
SBH
SBI
SBD
SBM
SBP
SBS
SBT
SYB
UBI
UTI
UCO
VJB
COB
ANB
ICI
HDF
IDB
UTB

HELP CALL
Annex 6 of Appx S
(Refer to Para 85)

DATA SHEET GIM/DS/4-A

LPC-CUM-Data Sheet For Grant of Additional Pension to Pensioners/FP Over 80 YearsCommissioned Officer
Series
1.

Original PPO No

Latest Corr PPO No

Rank for Pension

Name of Pensioner/ Deceased

Pers Number

Whether Pensioner Alive

Date of Birth of Spouse/FP

Prefix if any

PPO No

Year

Date of Birth

12

PDA State Code

Name of Spouse /
Family Pensioner

PDA DETAILS

10

PDA Code

13

Bank/Sub Treasury Code

15

Link Bank

16

Bank Account No

17

BSR Code Paying Br

19

PDA Station

20

Wing

11

DPDO Code

14

BSR Code Link

Bank

18

Bank Br

SERVICE
HEADQUARTERS

Pr . CDA (P)
CHECKED/APPROVED

Adr/Sr Adr

SO(A)/AAO

AO/SO

HELP CALL
Annex 7 of Appx S
(Refer to Para 85)
For Data Sheet G1M/DS/4-A
Instructions for filling of data sheet in r/o Commissioned Officers for Grant of Additional Pension
over 80 years of age.
S.No

Field Name

Field
length

Field*
Character

Description

1.

ORIGINAL PPO NO.

Series
Prefix
PPO No.
PPO Year
Latest Corr. PPO NO.
Series
Prefix
PPO No.
PPO Year
Rank for Pension
Pensioners Name
Personal No.

01
08
06
04

A
A
N
N

M (fixed)

01
08
06
04
02
36
9

A
A
N
N
N
A
X

M (fixed)

08
01
36

N
A
A

08

DDMMYYYY

10.
11.

Pensioners Date of birth

Whether Pensioner Alive
Name
of
spouse/family
Pensioner
Date of birth of spouse/family
Pensioner
PDA code
DPDO code

Rank Code as per code list Annx-1

Name of Pensioner
Regimental No. Notified In the PPO
mentioned above as original PPO.
DDMMYYYY
Y/N
Name of Spouse/Family Pensioner.

1
2

N
N

12.
13.

PDA State Code

Bank/Sub Treasury Code

2
3

A
A

14.

Link Bank BSR CODE

15.
16.

LINK BANK
Bank A/C No.

40
25

X
X

17.

Paying BANK BSR CODE

18.

Bank Branch/Sub
station
PDA STATION
WING

1 to 9 as per Annexure-2
If PDA Code is 1 as per Annexure3 Otherwise `OO
As per Annexure-4
As per Annexure-5 or `SUB for
treasury is to be filled if PDA Code
is `3 and pensioner desires to draw
pension from sub treasury.
The Code allotted by RBI to each
bank branch.
Address of Link Bank
Filled from left side only. If the
character is less than 25 the right
hand boxes may be kept blank
The code allotted by RBI to each
bank branch.
Address of bank branch/Sub
Treasury
DISTRICT NAME OF PDA.
A---ARMY, N---NAVY,
F---AIRFORCE

2.

3.
4.
5.
6.
7.
8.
9.

19.
20.

FIELD CHARACTER
A = Alphabet
N = Numeric
X = Alpha-Numeric

Treasury 35

25
1

X
A

HELP CALL
Appendix T
(Refer to Para 89)
From : ___________
___________
___________
To
The Manager (Bank)
______________
______________
______________
Dear Sir/ Madam,

NOMINATION FOR PAYMENT OF LIFE TIME ARREARS SB A/C No _______________

1.
I am an ex-serviceman, My pension is credited to my Saving Account No
________________ with your bank and my PPO number is ____________________________.
2.
I am yet to receive all the arrears due to me on account of 6Th CPC awards leaving large sums
still due. Secondly, due to revisions being approved in bits and pieces finalized arrears of pension are
likely to remain unpaid for a long time. Some judicial decisions could also increase the due arrears.
3.
In order to overcome any difficulty arising out of a pensioner expiring before all the arrears
are paid, the pensioners have been advised to fill in & submit a nomination for Life Time Arrears .
Instructions on the website of PCDA(Pension), Allahabad refer.
4.
Accordingly, please find enclosed 3 copies of the Nomination form. One copy is for the
records of your Bank, One copy to be forwarded to PCDA(Pension), Allahabad & one copy may
please be receipted for my records.

Thanking you,

Date :

Enclosures : (3 copies of Nomination forms for Life Time Arrears)

Copy to :PCDA(Pensions)
Draupadi Ghat
Allahabad

Yours faithfully,

HELP CALL
Annx 1 to Appx T
(Refer to Para 89)

FORM FOR NOMINATION FOR CLAIMING ARREARS

(To be filled by the pensioner during his life time)
(FORM-A (See rule 5)
Name of Bank
Branch & Address
1.
I,
, hereby nominate the persons named below under Rule 5 of
the payment of Arrears of Pension (Nomination) Rules, 1993.
1
2
3
4
5
Name and
Relationship
Date of
Name and Address of person who
Percentage
Address of
with Pensioner Birth
may receive the said pension during
to be paid
the nominee
nominees minority

6
Name and Address of
the other Nominee in
case the Nominee
under column (i) above
Pre-deceases the
Pensioner

7
Relationship
with
Pensioner

8
Date
of
Birth

9
Name and address
of person who
may receive the
pension during the
other nominees
minority

Place :
Date :
PPO No :
Saving A/c No :

10
Contingency
on happening
which
nomination
shall become
invalid

11
Percentage
to be paid

Signature :
Rank :
Name :
Address & Tele No :

Witnesses
Signature
Name :
Address :

Signature
Name :
Address :
Acknowledgement to be sent by the Pension Disbursing
Authority/Head of Office

Certified that application/nomination has been received from ___________________ , resident of

Place :

Signature of Pension Disbursing Authority

Date :

Full address:

HELP CALL
QUOTABLE QUOTES
Appendix U
(Refer to Para 94)
1.
Your job won't take care of you when you are sick. Your friends and parents will. Stay in
touch.
2.

Pay off your credit cards every month.

3.

You don't have to win every argument. Agree to disagree.

4.

Cry with someone. It's more healing than crying alone.

5.

It's OK to get angry with God. He can take it.

6.

When it comes to chocolate, resistance is futile.

7.

Make peace with your past so it won't screw up the present.

8.

Don't compare your life to others. You have no idea what their journey is all about.

9.

Everything can change in the blink of an eye. But don't worry; God never blinks.

10.

Take a deep breath. It calms the mind.

11.

Get rid of anything that isn't useful, beautiful or joyful.

12.
Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special
occasion. Today is special.
13.

The most important sex organ is the brain.

14.

Time heals almost everything. Give time time.

15.

However good or bad a situation is, it will change.

16.

Growing old beats the alternative - dying young.

17.

Get outside every day. Miracles are waiting everywhere.

18.

Envy is a waste of time. You already have all you need.

19.

No matter how you feel, get up, dress up and show up.

20.

Yesterday is History, Tomorrow is Mystery, Today is a Gift, Thats why it is called Present.

21.

By living your life one day at a time, you live all the days of your life.

22.

The quickest way to receive love is to give love.

23.

Winning isn't everything. But wanting to win is.

24.

You would achieve more, if you don't mind who gets the credit.

25.

Don't fight too much. Or the enemy would know your art of war .

26.

If you don't stand for something, you'll fall for everything.

27.

Only thing that comes to you without effort is old age.

HELP CALL
28.
Only those who do nothing do not make mistakes. Those who don't make mistakes usually
don't make anything.
29.

Never take a problem to your boss unless you have a solution.

30.

Don't try to get rid of bad temper by losing it.

31.

If at first you don't succeed, skydiving is not for you.

32.

All progress has resulted from unpopular decisions.

33.

There are two kinds of fools in this world. Those who give advice and those who don't take it.

34.

The best way to kill an idea is to take it to a meeting.

35.

Management is doing things right. Leadership is doing the right things.

36.

Friendship founded on business is always better than business founded on friendship

37.
Plan to spend whatever you have saved. You deserve to enjoy it and the healthy years you
have left. Travel if you can afford it. Don't leave anything for your children or loved ones to quarrel
about. By leaving too much, you may even cause more trouble when you are gone.
38.
Live in the here and now, not in the yesterdays and tomorrow's. It is only today that you can
handle. Yesterday is gone, tomorrow may not even happen.
39.
Accept physical weakness, sickness and other physical pains. It is a part of the aging
process. Enjoy whatever your health can allow.
40.
Befriend death. It's a natural part of the life cycle. Don't be afraid of it. Death is the
beginning of a new and better life. So, prepare yourself not for death but for a new life with the
Almighty.
41.

There is only one way to grow old : dont die.

42.

Life
Life isn't fair, but it's still good.
Life is too short to waste time hating anyone.
Life isn't tied with a bow, but it's still a gift."
"Life is an opportunity, benefit from it.
Life is beauty, admire it.
Life is bliss, taste it.
Life is a dream, realize it.
Life is a challenge, meet it.
Life is a duty, complete it.
Life is a game, play it.
Life is a promise, fulfill it.
Life is sorrow, overcome it.
Life is a song, sing it.
Life is a struggle, accept it. Life is a tragedy, confront it.
Life is an adventure, dare it.
Life is luck, make it.
Life is too precious, do not destroy it.
Life is life, fight for it."

HELP CALL
Note : To be printed on the
(Inner page of back cover)

ANY WAY
1. People are unreasonable, illogical and self centered. Love them any way.
2. If you do good, people will accuse you of selfish and ulterior motives. Do good any way.
3. If you are successful, you will win fake friends and true enemies. Succeed any way.
4. The good you do today will be forgotten tomorrow. Do good any way.
5. Honesty and frankness make you vulnerable. Be honest and frank any way.
6. People favor Underdogs but follow only Top dogs. Fight for Underdogs any way.
7. What you spend years building may be destroyed overnight. Build any way.
8. People really need help but may attack you if you help them. Help people any way.
9. Give the world the best you have and you will get kicked in the teeth. Give the world the best
you have got, anyway.