NOIP Circular No 2 - 2024

 NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030. 

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570 

Date: 15-01-2023

Circular 02/2023

The Executive Director (Per),

LIC of India, Central Office, Yogakshema,

MUMBAI,

Dear Sir,

Re. Improvement/addition in Group MediClaim policy for the year 2023-24.

We wish you and all staff members a VERY HEALTHY AND HAPPY NEW YEAR.

We reiterate below some of our long pending demands regarding Group mediclaim 

policy.

Shortly discussions may start at your end with the New India Assurance company Ltd., 

for renewal of the Policy wef 01.04.2023. Hence, we felt it appropriate to place our 

reminder request for your kind consideration and taking up with NIA.

1. One time option for inclusion in the Policy for all left out cases (for what so ever 

reason), also to include son in law and daughter in law (as is allowed for GIC retirees).

2. ADD ON COVERES:

a. Reimbursement of OPD TREATMENT. Retirees and pensioners may be allowed 

OPD EXPENSES.

Else, a separate Policy for OPD may be chalked out as in case of RBI Pensioners.

b. Hospital cash benefits 1% of S.A., for maximum 30 days, as available in general 

mediclaim policy.

c. Preventive health checkup benefit, every year. This will reduce claims.

3. Increase basic Floater Sum Insured from 5lac, 6lac and 10lac to 10lac, 15lac and 

20lac with 100% contribution from LIC.

Increase Optional Total Sum Insured 75 lac to One Crore, with an option to Insured 

member/family Pensioner, can reduce the sum assured from next annual renewal date.

4. Coverages:

a. Room rent should be based on S.A, since the Insured pays the same premium

irrespective of his place of stay (whether Metro/City/Village).

For other than A and B cities, the Room rent limit is not at all increased for a long time.

This should go up.

We suggest Rs.12,500/- room rent per day up to 30 Lacs and Rs.15,000/- for 40 Lacs

and above Sum Assured.

b. Presently NURSING CHARGES are also included in the Room rent. The same

should be reimbursed separately (not as a part of room rent).

c. If one gets admitted in a room with higher rent than eligibility, then all other charges￾except Medicine and Implants- are reduced proportionately. Our request is, in such

cases, Room rent should be reduced proportionately and all other charges are paid in

full.

5. Please delete " *However the following expenses are not payable” mentioned in page

no.4, clause 7 a, b and c as most of the items mentioned are payable as per the

annexture II (item no.75,76,134,84,96,102,155,12, 78, 45, 56 91,23, 87, 104, 189, 78,

12,91,23,135,15,149,58,150,198), some items are used by Doctors for Diagnosis and

Ambulatory devices, is very much part of the treatment as it is advised by treating

doctor. They are not used for personal comfort. Hence unless this part is deleted, it will

create contradiction and confusion, which leads to wrong settlement of claim.

We also request you to overhaul the annexture II and allow more items as payable.

Item no129 Mortuary charges be increased from 24 hours to 48 hours.

6. Pre and post hospitalization Medical expenses be allowed 60/120 days.

7. In case of Renal Failure, Organ Transplantation and Cancer related ailments, pre and

post hospitalization limit of 30/60 days is waived. We propose more Life-Threatening

diseases, such as Open Heart Surgery, Brain and Central Nervous system related

diseases, Osteoporosis, Spine surgeries, cost of Botex injection, may be included in

above list.

8. Cashless Reimbursement through TPA.

TPA should give total Cashless Reimbursement and Hospital should not be allowed to

receive any amount from Insured.

TPA should arrange 24×7 hours service and their NETWORK HOSPITALS should not

ask lump sum deposit amount during non-working hours/days.

9.All Zonal TPA's should co-ordinate among each other and provide their network

hospitals for treatment of insured member of other OTHER ZONES, on cashless basis.

10. Examination relating to Diagnostic Tests without hospitalization:

List should be more comprehensive and the cost of the tests mentioned in the list be

increased by at least 25%, Include Sleep Apnea, allergy reports and more diagnostic

tests; and conditions may be liberalized. We propose all tests which cost Rs.1000/- or

more be reimbursed along with doctor’s fees. MD DOCTORS ARE NOT AVAILABLE IN

RURAL/REMOTE CENTERS or at the time of emergency situations. Hence conditions

may be relaxed and MBBS DOCTORS be allowed to prescribe for above tests.

11. Sub-limit Clause:

a. Present limit of Cataract Operations is Rs.60,000/- per eye which is not reasonable.

Limit should be removed and reimburse full cost of treatment and cost of spectacles.

b. AYUSH:

As per Government policy, Ayush treatment is to be promoted and our Insured

members are very much inclined to it. As such, we request to liberalize the conditions,

remove restriction of reimbursement of 25% of sum insured and TPAs be advised to

enroll more and more network hospitals for Ayurvedic and Homeopathy treatment and

allow cash less facilities. Treatment like Shirodhara, steam bath and Panchakarma

should be allowed.

c. Ambulance charges be revised upward and restrictions are liberalized. Ambulance

charges from Hospital to home be allowed.

d. Age Related Macular Degermation (ARMD) and treatment for retinal diseases by

intravitreal/intra occular injection/intervention are admissible only up to 1 lakh per

member per eye per year, which is very insufficient. Our members are facing hardship

because of the ceiling. The ceiling limit to be removed and actual amount be

reimbursed.

e. Psychiatric and psychometric disorders are payable up to a limit of Rs.50000/- as per

Chapter D (11). Whereas the same is shown as Not payable under Serial no.66 of

Annexure II. It is contradictory, needs correction. The limit of Rs.50000 be removed.

f. Pre and post hospitalization Physiotherapy limit of 40,000 be removed and limit of

30/60 days pre and post hospitalization expenses be waived, allow Physiotherapy

treatment at home for all such patients as per the advice of treating Doctor.

12. MATERNITY EXPENSES BENEFITS: Normal and caesarian delivery benefit cap

be removed and expenses other than hospitalization also be reimbursed.

13. EXCLUSION CLAUSE, list contains 26 items, this should be overhauled to reduce

as much as possible.

a. Reimbursement of all types of dental treatment and costs of dentures, root canal

treatment be reimbursed.

b. Now HCPT reimbursement is allowed for treatments taken outside India. Many

retirees/pensioners visit foreign country (as their siblings are in foreign country).

Reimbursement of expenses incurred in Hospitalization treatment out of India should be

included in the policy (removed from exclusions).

c. PRP (Platelet Rich Therapy)- This is less expensive and less painful compared to

joint replacement surgery,mshould be included for reimbursement in lieu of joint

replacement.

d. Robotic surgery be allowed wherever this facility is opted by a treating doctor.

14. General:

a. Senior citizens be given preferential treatment by TPA AND NIA.

b. Insisting for KYC for each and every claim should be dispensed with. (Since all

claims are processed through D.O.)

c. Submission of Claim form is to be allowed by TPA through soft copies, instead of

hard copies.

d. PPN must not be made applicable by NIA for LIC policy holders/members under our

MediClaim policy.*

e. A and B class cities for mediclaim purpose should be on the basis of CCA cities as

applicable in LIC.

f. More diseases be included, such as, Sebaceous cyst surgery, in Annexture III where

24 hours hospitalization is not mandatory.

g. Option to join the scheme be given to all resignees who resigned on health grounds,

irrespective of their date of retirement (the cut off date prescribed is 16-1-2018)

We vehemently appeal to you to consider our suggestion/improvements, and call NOIP

delegation for discussions, at the time of negotiations with New India Assurance

Company Ltd., for the year 2023-24.

Thanking you,

Yours Sincerely,

General Secretary

NOIP Circular No 37

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570

Date: 18-12-2023

Cir No 37/2023

The Chairperson,

L I C of India, Central Office,

“Yogakshema”, Jeevan Bima Marg,

MUMBAI

Dear Sir,

Re: 100% DR neutralization to pre-8/97 retirees

This is further to our letter dtd 03-09-2023 to your good self, followed by our discussions with Shri.

Bhanoo ji, MD on 02-11-2023 on all the pending issues, including the captioned matter.

We have been demanding 100% DR neutralization to the retirees, who have retired prior to 01-08-1997.

After plethora of cases in various Courts, ultimately the case was decided by the Delhi HC in 2016 and

unfortunately, the Delhi HC verdict gave its own truncated DR formula, which works out to be much less

than 100% DR neutralization. In this regard the following facts are more relevant-

➢ This segment of pensioners has been unjustly denied of 100% neutralization of DR by the

introduction of Rule 3(A) to the Appendix IV (see rule 37) of Pension Rules, 1995.

➢ Regular Appeal No 9223/2013 came up for hearing on 7-5-2015 in the SC. Appeal was

adjourned but interim relief of 20% was ordered by the Supreme Court. This was possible,

because the SC found the strength in the valid arguments put forth by the pensioners’

associations.

➢ On 31-3-2016, Appeal 9223/2013 was disposed off by remanding the matter to Delhi HC for

deciding the constitutional validity of Rule 3(A). And also, a second IR of 20% was granted by

the SC, thus further strengthening the case in favour of affected pensioners.

➢ On 27-04-2017, Delhi HC delivered its second judgement and finds the complaint of

discrimination valid, but prescribes its own truncated formula for rectifying the DR anomaly.

➢ Against the above judgement of Delhi HC, SLPs were filed by the pensioners’ associations in the

SC. First date of listing of SLPs for hearing happened to be 10-01-2018 and thereafter there

were only adjournments. As on date SLPs are still pending in the SC.

➢ The 40% IR paid as per the SC order dtd 31-03-2016 was recovered from the beneficiaries, while

implementing the truncated order of Delhi HC, though it was not to be recovered as per the

order

➢ From the details given above, it will be seen that the judiciary has clearly indicated that,

adopting a stand of discriminating one group of pensioners in regard to the basis of Dearness Relief offends the constitutional right to equality; as otherwise SC would not have granted

interim relief of 20% each, twice and besides the Delhi HC in its second judgement of 2016 has

had in clear terms accepted the stand of the petitioners.

➢ The same issue stands sorted out already for Bank pensioners, as elucidated in our earlier letter

dtd. 3rd September 2023, written to your good self.

➢ Most of the pre 8/97 retirees are no more. Only a minuscule number of survivors in this

category, plus some family pensioners would be benefited if 100% neutralisation is brought.

Sir, you have the distinction of first ever Chief of LIC with a legal background. And you may

please appreciate that, this issue has now lost its relevance in its proper perspective at this

point of time. The issue can be put an end to at your level itself, if you deem fit, by issuing

appropriate administrative instructions, since the outlay involved is quite insignificant.

We look forward to your generous approach in the matter.

With kind regards,

 Yours Sincerely,

 General Secretary 

NOIP Circular No 38

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030. 

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570 

Date: 19-12-2023

Cir No 38/2023

The Chairperson,

L I C of India, Central Office,

“Yogakshema”, Jeevan Bima Marg,

MUMBAI

Dear Sir,

Re: NOIP’s Charter of Demands vis-à-vis Conciliation proceedings signed on 28-04-2023 in the presence

of Dy Chief Labour Commissioner (Central), Bhubaneshwar

Please find herewith enclosed the copy of agreement dtd 28-04-2023 arrived at the conciliation 

proceedings conducted by the Dy CLC, Bhubaneshwar, on the issues raised by the Bhubaneshwar unit of 

NOIP, for your ready reference. We would like to submit to your good self the following few points for 

your kind knowledge and implore upon your immediate intervention in the matter.

✓ We, the National Organisation of Insurance Pensioners (BMS), submitted our Charter of 

Demands personally to the then MD, Shri.Pattanaik ji on 19-10-2022 in his chamber at 

Yogakshema.

✓ We are the registered trade union under The Indian Trade Unions Act,1926 and affiliated to the 

Bharatiya Mazdoor Sangh, the Central Trade Union, duly recognized by the GOI.

✓ Despite we being the registered union of pensioners/family pensioners of LICI representing 

more than 7000 members who belong to Cl I to Cl IV retirees, we are not being called for 

Information Sharing Sessions.

✓ NOIP is endowed with the right to be called for information sharing (as mandated by the 

provisions of The Indian Trade Unions Act, 1926) for discussing the pending issues of pensioners.

✓ We firmly believe that we have to fend ourselves in getting resolved our burning issues, being 

the representatives of the pensioners at large.

✓ An official from East Central Zone representing the CO, LICI, signed the agreed document (along 

with our representative) at the culmination of conciliation proceedings in the presence DY CLC, 

Bhubaneshwar on 28-04-2023.

✓ Accordingly, LIC had agreed to forward our Charter of Demands to DFS for their consideration,

within 3 months from the date of signing the conciliation proceedings. The said period has 

already elapsed. The main demand is updation of pension of retirees with every wage revision 

for in-service employees.

When we met the MD Shri. Bhanoo ji on 02-11-2023 to discuss our pending issues, it was learnt

that the LIC has not referred the issue of updation of pension vis-à-vis our charter of demands to

the concerned authorities.

✓ Updation of pension has become a vexed issue for pensioners, which needs the immediate

attention and positive action by the LIC management. Because, ever since the gazetting of

Pension Rules, 1995, updation of pension has not been done.

✓ Non-forwarding of our Charter to the DFS, if it is the case, amounts to violation of the

agreement signed in the presence of Dy CLC. As such, NOIP may be compelled to resort to seek

other remedies available under The Industrial Disputes Act, 1947 for the proper enforcement of

the said agreement.

✓ Rule 56 of LIC (Employees’) Pension Rules, 1995 read with Sec 66 of the revised CCS (Pension)

Rules, 2021 strongly suggests the need to update pension. For the first time, GOI thought it fit to

make a mention of it in writing in the revised CCS (Pension) Rules, 2021. This indicates the mood

and intention of the Govt. Except the recommendations of successive Pay Commissions/Office

Memoranda (OM), nowhere pension updation finds its mention.

✓ Taking cue from the above, we implore upon you to aggressively take up the matter with the

DFS for pension updation, since the said matter has progressed a lot in the banking industry.

We look forward to your benevolent positive step in the matter, Sir.

With regards and thanks,

Encl: As above

Yours Sincerely,

General Secretary

NOIP Circular No 36

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570

Date: 15-12-2023

Cir No 36/2023

 MINUTES OF CC MEETING HELD AT MYSURU on 4th & 5th December,2023

Date: 03-12-2023

Arrivals-From 6 am to 11 pm, the delegates from throughout the country were pouring in by Rail, Bus,

Air and own cars. Different batches of Mysuru activists were ready, right at 6 am at the two designated

places viz Manipal Hospital Circle and Mysuru railway station. Hats off to the activists who ensured the

safe arrival at the venue of each and every delegate. Their services were lauded by one and all.

Place/Unit wise number of delegates is as under￾Agra-3, Berhampur-1, Belagavi-6, Bengaluru-9, Chennai-1, Cuttack-1, Delhi-4, Dharwad-6, Ernakulam-1,

Hyderabad-3, Jabalpur-2, Kanpur-2, Karnal-1, Kolhapur-2, Kolkata-5, Kottayam-2, Mumbai-7, Mysuru-4,

Nagpur-5, Nanded-3, Nashik-8, Pune-11, Raichur-1, Raipur-2, Sambhajinagar-2, Satara-4, Shivamogga-3,

Surat-1, Thiruvananthapuram-1, Warangal-2, GT -103.(Including 7 lady delegates). Plus 11 activists from

Bengaluru, 5 from Mysuru and 1 from Dharwad. Total 17 activists (5 lady activists from Bengaluru).

Grand grand total- 120 in all.

In the evening from 5 pm to 7 pm self introduction and briefing session was conducted.

The session wore a gloomy look due to the sad, unexpected, unfortunate death of one of our delegates

Shri.P.Busiraiah from Tenali (Machilipatnam Dn). The undersigned informed the house that

Shri.Busiraiah had a massive heart attack in the train at 0430 hrs prior to reaching Doddaballapur near

Bengaluru. All the efforts to resuscitate by the coach attendant and a co-traveller doctor did not

produce results. S/Shri.H S Ramesh, VP, NOIP, G.Ashok Rao, President and Satyanarayana Reddy,

Secretary of Hyderabad unit got down at Doddaballapur and took him in an ambulance to local govt

hospital. The doctor declared him brought dead. Till 9 pm all the three remained at Doddaballapur until

deceased’s relatives arrived and all legal formalities completed. The body was taken to Tenali for

cremation in the ambulance. Then at 10 pm the three activists started for Mysuru meeting reaching

there after midnight. We appreciate the care, concern, patience and courage exhibited by these three in

handling the situation. We salute them. Silence was observed to pray for Sadgati to the departed soul.

Late Shri.Busiraiah, 68 yrs was a great activist who was one amongst 55 activists that were to be

honoured in the meeting. All God’s will, we have no control.

Date: 4th December,2023

Inaugural function : 10am to 11.30am 

As per the published schedule, the CC Meeting at Mysuru was inaugurated on the 4th December, sharp

at 10 am by Shramik Geet, sung by Shri LN Sharma & Team of the Bangaluru Unit.

The Lighting of Auspicious Lamp was done following the convention of BMS by the dignitaries.

Photo Puja: Pooja was offered to the Photos of Bharat Mata, Vishwakarma and Late Shri Thengadiji.

Welcome Address was delivered by Shri Aradhya, President, NOIP, Mysuru Unit wherein welcoming

the knowledgeable gathering, he outlined lucidly the backdrop of the prevailing socio-economic

atmosphere within which this important Meeting was being held.

Introductory Speech by the undersigned set the tune and the mood of the CC Meeting in progress.

Introductory speech elucidated the birth/growth of NOIP, achievement in the last 19 years of NOIP’s

existence, being number one union in LIC, affiliated to BMS with 7000 members, enrolling more than

200 members every month with a digitized portal etc in a nutshell; that encapsuled an analysis of

prospects of Pending Demands being settled with due Time Frame for the Indian Financial Sector as a

whole. He also emphasized that NOIP is a service organization catering to the needs of

pensioners/family pensioners.

Address by the Speech by the Chief Guest Shri.Vasudeva, the Honourable Secretary, BMS, Karnataka

State who upon having explained in brief the BMS as the Largest Organisation for Working Class in the

Country, reminded the attentive gathering as to how this nationalistic central trade union has been

working relentlessly for the Welfare of the Workers' Fraternity of India and that too, devoid of any

political inclination. Speech by another Guest Shri Umesh Prasad, AI VP, NOIW was attuned to his

renowned former speaker besides appreciating the NOIP as a perfect and fastest growing Organisation

under the umbrella of BMS. He also expressed that the present dispensation at the centre is inclined to

resolve the genuine pending demands of the pensioners/employees of financial sector including

insurance sector. He wished the NOIP a great future in the service of pensioners.

Presidential Address by Shri. Gunesh Kumarji, Honourable AI President, NOIP was another point of

attraction of the gala event that was, as expected of him, eloquent, free flowing and studded with

information of great relevance, prudence and logic.

The "Vote of Thanks for the Inaugural Function" was spelt out by Shri M Siddegowdaji, Secretary,

NOIP, Mysuru Unit.

Session-1 (11.45 to 13.30), Session-2 (14.30 to 15.30), Session-3 (15.45 to 17.30)

After a Tea Break the Meeting started with a different note i.e. a Melodious Geet by Smt. Srilatha, a

proactive activist from NOIP, Bengaluru that left all of us mesmerised.

We had an Obituary Session that was dedicated to the Respected Colleagues who had left all of us for

their Heavenly Abode, after the Surat conference.

The Session 1, 2 and 3 were earmarked for "Reporting by Divisional Units": The Mysuru CC Meeting,

for the first time, saw a progressive change in curriculum. The undersigned had entrusted the four AI

Organising Secretaries, NOIP to deal with the Organisational Matters vis a vis Reporting by the Units.

To be specific, Shri Dilip Mapara led the discussions and called the Units from WZ such as, Maharashtra,

Goa and Gujarat to report. He said that no much progress could be done in Gujarat and that a big break

through was achieved with the help of Mumbai activists in Goa after enrolling Shri. Siddesh Talauliker.

Mysuru activists had on their own displayed a special banner on the dais hailing the 1001 achievement

by the Mumbai/Thane Unit and the house gave a standing ovation to the Unit. Shri.Dipak Edlabadkar ji,

special invitee to the Secretariat, had prepared a PPT of reports which was displayed on the screen.

Following OBs gave the detailed reporting￾Mumbai/Thane- Shri.M.R.Rao gave the reporting supported by Shri.P.P.Phadke. To reach 1001, a call

was given “each one bring one” which resulted in enrolling 36 members on 29th and 30th November to

reach 1001. 22 lady activists and 18 gent activists participated in this campaign, thus enrolling a record

71 members in the month of November.

Nashik- Shri.Biwalkar gave a detailed report saying, they have enrolled highest number of family

pensioners. And they met all the family pensioners as per the call of HQs.

Nagpur- Shri.Sangitarao narrated the successful conduct of L-20 meet under G-20 and they collected

more than Rs.58000 donation of which Rs.51000 was given to local BMS.

Nanded- Shri.Bakliwal narrated as to how they were the first to meet the family pensioners and to

honour them with sweets. They have the enrolled maximum % of total pensioners in the division and

stand first in the country in NOIP.

Pune- Shri.Rajendra Desai gave the report of multifarious activities being done by a band of 40 activists

and boasted the presence of more than 170 members in their latest AGM, which is all time record by

any unit. He was supplemented by Shri.Devidas Patil.

Satara- Shri.Abhang gave the details of Dharana observed in the divisional office premises which was

attended by about 40 members including 10 activists of Pune. Shri.V R Joshi supplemented saying their

average collection per member is the highest in the country, since they take minimum Rs.11000 from

many of the new members.

Kolhapur-Shri.Desai reported and was supplemented by Shri.Jaising Koli.

Sambhajinagar- Shri.Shankar Singh Thakur said that they sincerely follow HQs’ programmes and would

strive to cross 200 shortly. He said that they provide technical support for any meetings conducted by

HQs or other units.

Amaravati- None represented.

Surat- Shri.Bharatbhai narrated as to how successfully they hosted the triennial conference in

September 2022, though they were a nascent unit with about 25 members. He said that they collect

Rs.3000 for each new member as a practice.

Next being Shri Prabir K Mazumder who had been steering the proceedings of Units from East Zone

including NE Divisions besides Units belonging to East Central Zone as well.

Kolkata- Shri.Prabir Kumar narrated as to how it is difficult to work in adverse conditions prevailing in

WB and their achieving 400 members is more than a 1000 elsewhere in the country. Shri.Arun Patra

supplemented saying they had given a call for donation for conference on their own and collected more

than Rs.60000. They sit every Thursday in the BMS office situated in the office premises. They are

meeting family pensioners every Sunday/holiday and enrolled every FP they met.

North East Divisions- None represented. Shri.Partha Chatterjee explained in detail about their one-week

hectic tour to Guwahati, Jorhat, Bongaigaon and Silachar. He hoped that Jorhat will also come up as a

strong unit since retirees of Life union are actively canvassing new membership. Bongaigaon needs hand

holding, he said.

Cuttack- Shri.S.C.Patra reported that their membership consists substantial number of retired DOs

achieved with the help of Shri.Tarini Mahapatra and they aim to cross 100 as early as possible.

Berhampur- Shri.Satyanarayan Singh said theirs is a growing unit and would like to pace up with the

help of Bhubaneshwar and Cuttack units.

Bhubaneshwar, Sambalpur & Patna- None attended from these 3 units due to last minute health issues.

From Sambalpur, Mr B.B.Suna had booked his railway ticket. Unfortunately, some days prior to his

departure he had severe heart pain and admitted to the hospital in ICU. After 3 days he expired. We

pray for his soul to get Sadgati.

Third in queue had been Shri G L Bhat who spearheaded the Reporting of Karnataka Units. He

explained as to how they could cross 500 members in Bengaluru and they wish to occupy number 2

position after Mumbai/Thane.

Bengaluru- Shri.Gangadhar Malashetti narrated their success story having more than 30 activists and

they conduct regular meetings of activists. He explained how Smt.S.Nagamani contacted 275 family

pensioners on phone in November, enrolling about 20 FPs. Smt.Nagamani shared her experience and

explained how she could enrol more FPs by educating them about option for Mediclaim, since many FPs have no Mediclaim cover and no union has approached them. She called upon all units to concentrate

on FPs as they need more help.

Belagavi- Shri.Hodlur reported and agreed that they have to rigorously campaign for membership. They

met all the FPs and received voluntary donations too.

Dharwad- Shri.Bahadur Desai said they aim to reach 300 mark by aggressive tours to mofussil centres.

They have more than 25 activists and meet regularly. They have formed both the committees at DO

level viz Mediclaim, Disciplinary cases.

Mysuru- Shri.Aradhya narrated as to how they crossed 100 after having started working independent of

Bengaluru unit. With inexperienced activists they took the responsibility of hosting CCM with the help of

Bengaluru activists.

Shivamogga- Shri.Shamsundar Rao explained as to how they crossed 100 and thanked Shri.H S Ramesh

for his active support. Activists meet regularly and visit mofussil centres too.

Raichur- Shri.Krishna Kulkarni agreed that there is a need to build up team work so as to take up

membership campaign.

Next in the sequence of event had been Shri. H S Ramesh who had taken the lead for Units from Kerala,

Tamil Nadu, Andhra and Telangana. Of all these, he presented an excellent statistic. That itself gave all

the details in a nutshell.

Hyderabad- Shri.Satyanarayana Reddy gave an eloquent report. Under the present leadership,

Hyderabad has working systematically with regular meetings of activists. Special meeting of DOs was a

grand success with new enrolments.

Warangal- Shri.Somalingam gave the report. The unit is picking up very nicely.

Karimanagar- None represented in the CCM.

Kottayam- Shri.K P C Nair said that in Kottayam unit is already there. He promised that by January 2024,

units at Thiruvananthapuram and Ernakulam would be formed. Shri.Sukumaran Nair supplemented.

Chennai- Smt.Uma Vasudevan said she is slowly picking up since she is alone. She would try to add some

more activists.

Serial Number Fifth was for Shri Arvind Mittimani who had been the Flag Bearer for North Zone Units.

He narrated the efforts being made to open units in other divisions of NZ. He is also having liaison with

BMS & DFS.

Delhi- Shri.Subhas Raina gave an eloquent report describing the various activities undertaken. A special

meeting of DOs was organized which was addressed by Shri.Ashwani Kumar Sharma. On the spot 10 DOs

were enrolled. Shri.Rajiv Kumar Sharma supplemented. Shri.Raina is also enrolling members from

Jammu.

Karnal- Shri.Jai Bhagwan Bansal gave the report of the unit formed on 30th November, 2 days before,

during the visit of S/Shri.Mittimani, Saini, Raina & Rajiv Sharma. Immediately Shri.Bansal ji booked flight

ticket and attended the CCM. His enthusiasm is laudable.

This exercise came to its end with the discussion led by Shri Vilasraoji Purkar for the cluster of Units

from Central Zone as well as North Central Zone.

Agra- Shri.Ashwani Kumar Sharma detailed the success story of Agra, from the lone member to more

than 200 members in a short span of 2 years. He urged the HQs to 1) Arrange for GH reservation online

through Jeevan Sakshya App, 2) LIC Code be allowed for Air booking & 3) Free Medical checkup every

year.

Kanpur- Shri.Sudhakar Mishra ji detailed the activity (in his own inimitable and poetic style) of having

enrolled 34 members in a short span and assured to further develop, since Kanpur is a Zonal HQs. He

assured to form the adjoining Ayodhya and Prayagraj Units in the coming days.

Raipur- Shri.Sameer Kumar Srivastava explained as to how they enrolled the fastest 50 by covering

mofussil centres too. 

Jabalpur- Shri.Balram Patel said the unit has been slowly progressing under the guidance of

Shri.S.L.Burmanji, NOIP’s Ex-President. They also have regular meeting of activists.

Meerut- None represented.

Thereafter S/Shri.Ashok Joshi, Purkar ji and Gunesh Kumarji summed up the discussions and called upon

to open new adjoining units, by the existing units. Purkarji gave details of Galaxy of units, performing

every month and exhorted to the units to maintain the Galaxy position.

Session -4 (19.00 to 20.00): Pending Issues by GS, Resolution & Honouring of Activists

Pending Issues by GS, NOIP : Post Reporting Session, the Deliberation by the undersigned took place

on the Pending Issues that started with exhaustive analysis clubbed with latest updates. Following are

the chronologies:

(i) Despite having Family Pension Revision Order in place, many of the Divisional Managements did not

care to disburse the Revised Family Pension as per the entitlements of the FP recipients, burning

example being the Dharwad DO.

(ii) One More Option for Mediclaim has been allowed by the Apex Management on the constant

persuasion of NOIP.

(iii) Pension Revision: The December,2023 would see the final settlement of Wage Revision of PS Banks

with the opening of dialogues/discussions on Pension Revision in one form or the other.

(iv) In LIC, discussion for Wage Revision might be wrapped up within one single round of interaction.

(v) Pre 2002 Bank Pensioners have been given 100% DR neutralization and the payments to this effect

have already been disbursed with.

(vi) He opined, Full Pension for Pensioners with 20 years of Service and OMOP for Resignees might be

in the offing, since IBA has agreed for OMOP for resignees of PSU Banks.

vii) OMOP for left over Ex-Servicemen and 5 Engineers was also discussed and decided to follow up with

the DFS.

Visit of NOINO GS Shri.Y.N.Murthy- Shri.Murthy and Mysuru Unit OB Shri.Anantha visited our venue in

the evening, as Shri.Murthyji could not be able to attend the inaugural session. Both were honoured

with a bouquet. Shri.Murthy addressed the gathering and wished fruitful discussions in the meeting.

Resolution - "RESOLUTION TO EXPRESS SOLIDARITY WITH LIC AND CONCERN FOR THE FALLING MARKET

SHARE OF LIC AND HOW NOIP CAN CONTRIBUTE TO MITIGATE THE SITUATION"- Proposed by Shri Prabir

K Mazumder on behalf of Shri Arup Dasgupta (author of the resolution) and seconded by Shri HN

Aradhya. The house accepted the same unanimously. Resolution is appended here below￾SUBJECT: RESOLUTION TO EXPRESS SOLIDARITY WITH LIC AND CONCERN FOR THE FALLING MARKET

SHARE OF LIC OF INDIA AND HOW NOIP CAN CONTRIBUTE TO MITIGATE THE SITUATION.

Resolved that NOIP, as a cohesive and prudent organisation of Retired employees, has expressed its

solidarity with the Great Insurance Behemoth LICI and expresses its concern over the falling market

share in terms of New Business (both on the basis of No of Policies and First Year Premium Income) and

Degrowth on New Business as on 30.09.2023. It is worthwhile to mention that it is a great concern for all

the valued members of NOIP in general and the Core Leadership in particular regarding the above￾mentioned business position of our beloved Organisation.

As on 30.09.2023, Policy count is showing Degrowth of - 3.20% on year-to-year basis and First Year

Premium Income (FYPI) is + 2.91%.

The percentage achievement of New Business on NOP is 36.12% and on FYPI is 35.93% as on 30.09.2023.

Low performing Zones are Eastern ZONE (-9.26% on Policy count and -7.51% on premium count) and

Western Zone (-11.25% on policy count). Other Zones have been able to register a marginal positive

growth or a little Degrowth. Most worrisome point is that Market Share has come down from 68% to

58% within one year as on 30.09.2023.

The Core Group of NOIP has made in depth study to find the reasons for Degrowth/Low growth and the

declining Market Share and observed the following trends and features in the business market - 1. Change in Taxation Rules for life insurance policies has affected the sales of big premium cases and

also no of sales (policies having premium amount more than Rs 5 lac will be taxable at maturity).

2. Low Recruitment Rate of Agency Force. From 2005 to 2011, the number of Agents has been

increased from 9 lakh to 11 lakh approx. Life insurance agency as a professional career, has lost its

attraction among the younger generation. The number of Agents below 35 years of age has gone down

significantly.

3. Product positioning plays a significant role and no new product has been able to create a sensation in

the field. Product features are to be more market oriented to catch the fancy of Generation NEXT.

Attractive Pension Plans with catching features and benefits may be designed to tap the huge potential

available among the ageing population.

4. Number of employees has gone down considerably. The organisation may think of recruitment of

required number of employees in all classes as per necessity.

It is a matter of grave concern that the attrition rate in Class 2 Officers cadre is very high, affecting the

growth of new business vis-a-vis the recruitment of agency force.

5. Technological Advancements is already adopted by the Corporation. It should be fast and forward,

making the organisation nimble footed and the technology adopted; should take the organisation near

to the market and client base. The level of technology adopted should make the organisation a front

runner in the field. It is to be absorbed by all classes of employees and field force. User friendly Apps and

super-efficient IT System must be in place. The data mining of storage of huge data in possession of LIC

must be taken up on top priority to create market; also, with the help of Machine Learning and Artificial

intelligence.

6. Economic Recession due to Ukraine war or low sentiments in Europe/USA market affecting investors’

psychology.

Resolved that NOIP offers its services for the betterment of the Organisation in terms of creation of

Market, Customer Base and Administrative Support. NOIP has a huge membership base of more than

7000 members all over India having long experience and vast knowledge base, which could cater

effectively to the needs of the Corporation.

NOIP would be too happy to be invited by the Corporation for further discussion on the subject and to

dwell on the ways by which NOIP can support the Corporation in this hour of business crisis.

Proposed by- Prabir Kumar Mazumder

Seconded by- H N Aradhya

The resolution has already been mailed to the Chairperson, LIC under copy to MDs and ED(Per).

Honouring of Activists : Based on the 7 Parameters of Performances as decided by the HQs, 55 Activists

from across the country were felicitated in all, with a shawl and flower by the AI President, NOIP and

the WP, NOIP. The list is enclosed here below￾Honouring of activists at CCM Mysuru

As decided in the Secretariat meeting at Pune, we plan to honour first batch of activists. The main

qualities of activists to be taken into consideration are- 1) 24 hours thinking about NOIP, 2) Positive

outlook/mindset, 3) keeping NOIP’s interest paramount, keeping self ego/personal likes & dislikes aside,

3) Number of hours they work for NOIP daily, 4) Extraordinary service to Pensioners/family Pensioners in

various matters 5) Irrespective of serious health problem of self and of family members and other

serious family problems, they devote time to NOIP, 6) Work with total devotion, dedication and with

ideological commitment, 7) Maximum enrolments by an individual activist etc. be honoured. Above 7

points were kept in mind in selecting the activists to be honoured. About 55 are selected to start with.

No heart burn should be there, since this is the first batch. One more batch can be honoured in the next triennial conference. There are more than 500 activists in the country. It is suggested to honour such

activists in the respective AGMs of Units.

A) Bhubaneshwar- 1) U C Mohanty- Non BMS and age 75+ - Meets Ministers/MPs, thinks out

of the box, raised conciliation proceedings with Dy CLC.

B) Belagavi- 2) C T Joshi- Ill health, Digitisation, Mediclaim, P&IR matters, Disciplinary cases,

encyclopedia, available 24 hrs, 3) Gururaj Hodlur- Developed the unit to cross 100

C) Delhi- 4) Arvind Mittimani- Ex Airforce man, first contact with BMS through NOIP, Liaisoning

with BMS/DFS, 5) S K Saini- Ex NOINO OB, great support in Delhi.

D) Agra- 6) Ashwani Kumar Sharma- Ex-NFIFWI leader, Agra crossed 200 within 18 months,

enthusiastic.

E) Gorakhpur- 7) Ashwani Kumar Srivastava- Ex Airforce man, Gorakhpur crossed 100 in 2 yrs,

highly positive and soft spoken.

F) Kolkata- 8) Prabir Kumar Mazumder- Ex Airforce man, 24 hours NOIP, OMOP activist,

instrumental in taking Kolkata from 30 to 400. 9) Partha Chatterjee- First contact with BMS

in NOIP, Mediclaim support, enrolment. 10) Arup Dasgupta- Retd RM (Mktg), works as a

soldier to enrol new members without an iota of ego & 11) Arun Kumar Patra- helped

Kolkata to reach 400, highly involved.

G) Mumbai- 12) Ashok Gogte- Founder member of NOIP right from 2004 with LM No 58, still

active at age 76, took Mumbai from 300 to 1001. 13) Dilip Mapara- Retd in SDM’s cadre,

since entry into LIC, BMS, backbone of Mumbai, 14) P P Phadke- Even at age 72, moves

physically in Mumbai for membership, major contributor in crossing 1000. 15) Sachit Rege￾Retd DO, enrolment machine.

H) Bengaluru- 16) G L Bhat- recruited as DO and retired as SBM, took Bengaluru from 70 to 500

in 6 yrs by building a great team, employs marketing strategy in enrolment. 17)

V.Chandrashekar- Retd DO, enrolment machine, 24 hours NOIP, 18) Smt. S. Nagamani- Retd

DO, enrolment machine, 24 hours NOIP, moves physically in Bengaluru city for enrolment,

highly dedicated.19) Gangadhar Malashetty- retd DO, Ex-NFIFWI leader.

I) Nanded- 20) Rajmal Bakliwal- Known BMS activist since his appointment, unit crossed 100

with his active participation, sincerely implements all the programmes of NOIP.

J) Sambhajinagar- 21) Shankar Singh Thakur- Retd DO, first contact with BMS, Unit is nearing

200, helps NOIP in web meetings, Mediclaim expert, tech savvy. 22) Satish Kamble- 5

decades in BMS, Enrolment in mofussil Brs.

K) Hyderabad- 23) H S Ramesh- BMS activist since 50 yrs, drives scooter in Hyderabad for

membership carrying his 120 kgs weight, pan India/Global membership, Hyderabad crossed

300.

L) Dharwad- 24) Suresh Sardeshpande- 50 yrs in BMS, was in jail under MISA for one year

along with me, though keeps frail health, thinks of NOIP always. 25) M D Umarani- 40 yrs in

BMS, Bypass surgery, crossed 200, 26) K T Murugendrappa- retd DO, founder member of

NOIDO, active in enrolments.

M) Nashik- 27) R S Mali- In BMS right from entry into LIC, enrolled good many. 28) Smt. Anushri

Shukla- Best lady activist unmindful of lot of field work, visits the houses of FPs and 29) 

Rajendra Patwardhan- Ex Serviceman, always takes satisfaction in field work contacting

members and prospects as well.

N) Pune- Being NOIP HQs, produced lot of dedicated activists. 30) V K Dutta- Retd in SDM’s

cadre, gives yeomen service for Mediclaim queries, available on phone always, answers

phone calls hours together from throughout India, 31) Anil Bhalerao- completed 50 years in

BMS, enrols members even in bus stands, hotels, bus stops, trains, 24 hours NOIP man, daily

talks hours together on phone with members and prospects, 32) S D Jawalkar- 50 yrs in

BMS, since 2012 joined me in expanding NOIP, laid foundation for a solid NOIP, 33)

Smt.Vijayalakshmi Sondur- though hefty, diabetic, knee pain, physically moves out with

hectic schedule, enrolment machine, 24 hours NOIP lady, 34) Sanjay Ramdasi- though

cancer affected, never fails in his duty towards NOIP, excellent accounts/statistics keeping,

member of digitization committee, 24 hours NOIP man.

O) Digitisation team- 35) Dipak Edlabadkar- 5 decades in BMS, pioneer of digitization process,

provides various statistics through excel sheets, always extends his helping hand,

36) Sushant Hadas- Important member of digitization committee, 37) Ram Dhumane￾Digitisation committee member, excellent comperer and singer, 38) Santosh Bhat￾Important member of digitization committee, IT expert.

P) Nagpur- 39) Satish Wate- 50 yrs in BMS, developed both Nagpur and Amaravati units,

member of P&IR committee helping affected members.40) Shrikant Hardas- Retd DM, retd

from Amaravati, from Nagpur, 41) Dr.K.D.Deshpande- Major contributor, psychotherapist.x

Q) Raipur- 42) S C Shrivastava- Fastest 50, 43) Sanat Kumar Sharma- Fastest 60, in 4-5 months

R) Machilipatnam- 44) P. Busiraiah- Single handedly brought the membership of Masula to

nearly 40, though he stays at a mofussil centre Tenali.

S) Amaravati- 45) Deepak Nanotkar- Enrolment machine, enrolling old pensioners of all

cadres, 46) Deolal Awachar- Retd DO, major contributor to take near 200 figures

T) Satara- 47) A B Deshpande- 50 yrs in BMS 48) V R Joshi- Enrolment machine, collected

highest per member subscription amount.

U) Kolhapur- 49) Jaysing Koli- Developed Kolhapur unit in association with Shri. V R Joshi

V) Shivamogga- 50) S.D.Shamsundar - Man behind to cross 100 mark.

W) Guwahati- 51) Jiban Paul- Started from the scratch and crossed 100 mark.

X) Warangal- 52) C.Somalingam- Ex NOINO OB, developed both Warangal and Karimnagar.

Y) Mysuru- 53) Hemanna- Non BMS man till he entered NOIP, though severely sick, attends

disciplinary cases, highly involved, a ray of hope for all charge sheeted pensioners. 54) H N

Aradhya- 1

st entry in BMS, CCM arrangement at Mysuru, 55) Siddegowda- Retd DO, crossed

100, flawless CCM arrangement at Mysuru.

19 eligible for honour were not present in the meeting.

Though P, WP & GS had decided not to get honoured for them, Pune/Mysuru/Bengaluru OBs

insisted, and enthusiastically honoured all the 3 persons at the last.

Cultural event- From 8 pm to 9 pm, Bharatanatyam programme was staged by Gurudev

Academy of Fine Arts, Mysuru headed by Dr. (Smt) Chetana Radhakrishna and her 8 disciples. 

They enthralled the audience with their outstanding performance taking songs from Telugu,

Marathi and Kannada. Special thanks to Shri. Ramakant Shenoy for arranging the same.

Special Invitee- Shri.Puttaswamy, local Secretary of AIRIEF visited the venue, who was honoured

with a bouquet.

After this up to 11 pm, Karoke programme was organized by S/Shri.Edlabadkar & Shenoy in

which about 40-50 delegates took active part.

Date: 5th December, 2023

Session-5 (9.30 am to 11.00 am): (a) Submission of A/c ,(b) Testing of Donation Menu,(c) TE for

Attending AGB Mtg of Divisional Units,(d) Flight Charges to NE Units for attending CCM/Triennial

Conference,(e) Increase of Initial Donation from Rs. 1000/- to a higher Amount

(a) Submission of Accounts: Shri Ram Dhumane, Treasurer, NOIP submitted the Accounts for the

Calendar Year 2022 and Receipt & Payment Account for the Period from January,2023 to October,2023.

After discussions, the same was approved by the house.

(b) Testing Donation Menu of NOIP's Portal were discussed. GS called upon the units to purify

individual records on the portal and feel the ease of operation by donating a minimum Rs.101-00.

(c) TE for Attending Annual General Body Meeting of Divisional Units was discussed. There is a

demand by some units including Nashik, Belagavi, NE divisions etc to reimburse TE for attending

Divisional AGM. Most of the mofussil centres are active and activists attend AGM from far off places.

Conflicting opinions/suggestions were received. Hence it was decided unanimously to authorize the next

Secretariat meeting to be held in Kolkata, to decide on the matter. Shri.Sushant Hadas, Asst Treasurer

suggested that for AGM expenses some persons to be identified as sponsors. For Sambhajinagar AGM,

Shri.Keshav Kale ji, Retd DO and our activist, bore the entire expenses. Similarly for AGM of Pune, NOIP

leader Shri.Hemant Naik bore the food expenses of Rs.25000.

(d) Flight Charges to NE Units for attending CCM/Triennial Conference came up for a detail discussion.

There is a demand from NE divisions for flight charges to attend CCM and triennial conference. It was

reported by the GS that NE units have not collected a single rupee as donation as per the call given by

HQs for testing the donation module (except Shri.Jiban Paul, Guwahati who donated Rs.101). Huge

expenses are being incurred by NE units but no collection of donations whatsoever. After listening to all

the suggestions/opinions of the house, it was unanimously decided- 1) Partial air fare would be

reimbursable only for attending CCM by the eligible office bearers. 2) Air fare is reimbursable only from

4 Divl centres to Kolkata and from Kolkata to respective Divl centres. 3) From Kolkata to the place of

meeting and back to Kolkata, AC 3 tier railway fare is reimbursable. 4) For attending triennial

conference, only AC 3 tier railway fare is reimbursable from Divl HQs to the place of conference and

back (no air fare whatsoever).

(e) The Initial Donation amount of just Rs 1000/- was suggested to be increased to a higher amount.

Minimum Rs.2000 is payable for new membership (for family pensioner only Rs.1000). Satara unit

collects highest average per member in the country since they insist Rs.11000 minimum while enrolling.

Many units collect more than Rs.2000. Surat unit collects Rs.3000 per new member. Shri. Purkarji, our

WP, starts demanding 1 lakh rupees and settles at 11000 or less. His collection of Rs.27000 from Smt.

Chitnis of Surat is a record, unbroken till date. Since it is a life time fee and in view of huge terminal

payments even exceeding a crore rupee, it was called upon units to try to collect more than Rs.2000

while enrolling, in view of huge expenses of the organization. Higher amount should necessarily be

insisted from retirees who belong to BMS while in service.

Session-6 (11.15 to 12.15): Digitisation/Data Purification

Digitisation and Data Purification: Shri. C T Joshi, Chairman, Digitisation committee, gave an overview of

the entire process lasting about 4 months, involving 1000 hours of discussion by the committee. 

Shri.Santosh Bhat, another IT expert, supplemented, who was instrumental in availing services of MSG

91 for sms/email service, thus reducing the recurring cost of operation. GS thanked Shri.Sachin, the son

of Shri. Santosh Bhat who facilitated MSG 91 service. Shri Sushant Hadas, Asst Treasurer, NOIP discussed

the practical aspects of operating the portal. He called upon the units to carefully upload the details

while uploading donations and membership. If any mistake is committed while uploading and the

receipt is passed in a hurry, it requires hours to rectify the mistake. It was agreed to change the software

to hide the minimum donation part and to keep it flexible to add more donations while enrolling.

Session-7 (12.15 to 12.45) :: (a) Credit of Members to Units,(b) Dev Officer

Members' Convention,(c) Ex-serviceman Members' Convention

(a) Credit of Members to Units : Some units enrol the members from the adjoining/other division and

demand for credit to their respective division. After discussions, it was unanimously decided-1) To give

credit to the division who has enrolled, by writing division name as their own, 2) Inform the details of

such member to the adjoining/other division concerned, so that, that unit adds the member in their

divisional WhatsApp group. The unit which enrols such members can also add the member in their

divisional WhatsApp group. 3) But there is a technical catch in this- when members’ list is extracted such

members do not find a place in the concerned unit but they are found in the list who have enrolled.

(b) Development Officer Members' Convention. As decided, the convention will be held in Agra on 27-

02-2024 and Agra team is already on the job of making preparations. The units which have not yet

booked the journey tickets, are requested to do it at the earliest.

(c) Ex-servicemen Members" Convention- As decided the convention of Ex-servicemen members would

be held in Kolkata by around September 2024. Secretariat meeting also would be held for one day and

second day convention would be there in the same venue. Details would follow.

(d) All India Triennial Conference-2025- Bhubaneshwar unit, with the help of other units of Odisha,

have agreed to host the same. Details would follow.

Felicitation- We felicitated with shawl and flower, Shri.Devraj, Owner of the Resort and Kum. Soujanya,

Manager, for their fullest cooperation and nice arrangements, catering to our each and every need

smilingly.

Session-8 (12.45 to 13.30): Valedictory Function

We honoured Shri.G.S.Ganesh, RSS office bearer and our member, with bouquet, who attended the

valedictory session.

(a) Invocation- Smt.Srilatha rendered a beautiful melodious song, praising River Cauvery, life line of

Karnataka and Tamilnadu.

(b) Valedictory Speech by the President: The Valedictory Speech by Shri Gunesh Kumarji, President,

NOIP was prudently expressed, as said by himself, vide certain 'take aways' such as, (i)

Power of Digitisation. (ii) Meeting of Family Pensioners. (iii)Special kudos to the Nagpur Unit for having

participated in L-20 giving a Donation of Rs 51K for the purpose. (iv) Healthy Competition for the Top

FIVE Position in NOIP. (v) Frequent Virtual Meetings by the Pune Unit to be complimented. (vi) Satara

Unit has set up an example by participating in Agitational Programme. (vii) Kolkata deserves recognition

for having its own Office and a Collection of Donation of Rs.60000/- for Mysuru CC Meeting. (viii) In

Mysuru Unit, out of 102 Members, 36 are from DO Cadre. (ix) Call given by Shri Subhas Raina for

connecting our LIC Veteran Acquaintances is to be appreciated. (x) He had been observing for the last 10

years that the Communists and Left Leaning People are gradually becoming the Right Leaning ones. (xi)

Kanpur Delegates are expressing themselves powerfully through their attire. (xii) To DOUBLE your

Membership, you just need TWO Years. (xiii) He had been in all praise for the detailed submission of

Accounts by the Treasurer, NOIP. (xiv) Appreciation for Digitization is proven by the fact that a hopping

number of 2098 New Members have been enrolled post Digitization. xv) Cauvery is the lifeline of 2

States including water supply to whole of Bengaluru. He has made a deep study on River Cauvery. xvi) 

Called upon all to donate to NOIP and have a feel of our portal. xvii) Success of the CCM is due to the

hard work put in by Mysuru activists over the past 2 months, ably supported by Bengaluru activists. xviii)

Quoted Subhashita saying time lost cannot be recovered, we are all seniors, utilize the remaining time

for the right cause, our ideology is best in the world. xix) Gave a clarion call to forge ahead with unity

and determination.

(c) Vote of Thanks : The Central Committee Meeting was concluded with an effectively worded and all￾inclusive Vote of Thanks delivered by Shri Dilip Mapara that justified the proverb "All's Well That Ends

Well". He concluded by saying- Sanghatan Hi Shakti Hai- Organisation is strength.

All the Mysuru and Bengaluru activists were called on the stage by the President and were honoured

with flower. A standing ovation was given to them for their hard work and precise implementation of

the plan. CCM came to an end with a melodious rendering of Vande Mataram by Shri.L.N.Sharma ji,

Bengaluru. Stay and food arrangements, arrangement of local conveyance, were all superb.

All the delegates returned to their HQS with a lot of inspiration, resolve and determination to strengthen

the NOIP.

TE Reimbursement- The team did an awesome job of reimbursing on the spot, through UPI payments,

first of its kind. Great thanks to the team consisting S/Shri. Dhumane, Hadas, Desai, Patil & Jawalkar.

Part of this report has been written by Shri.Prabir Kumar Mazumder, OS, Kolkata.

NOIP ZINDABAD

BMS ZINDABAD

General Secretary

NOIP Circular No 35

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030. 

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570 

Date: 22-11-2023

Cir No 35/2023

To all the members

Re: Positive developments in the banking industry regarding pending pension related issues

You are aware that the pension related issues of ours, pending at DFS/LIC are identical to the similar issues of bank pensioners. The staff rules and pension rules of both LIC & Banks, are almost identical.

Some swift developments (positive) in the banking sector have taken place during the past 4 months. I have been explaining these in the meetings wherever I have attended. But majority of the units are not updated in this matter. Hence, I thought it fit to bring it to the knowledge of our members, through this communique. We are optimistic about the positive outcome of our issues. Certainly, there is a light at the end of the tunnel. Please note the following bullet points carefully.

➢ Second updation of pension for RBI pensioners was given effect from 12-06-2023 as on wage revision date 01-11-2017 (means updation given up to 31-10-2022). Notable feature is that,even family pensioners got the updation with 10% weightage. (they were left out at the time of first updation in 2019, given as on wage revision due 01-11-2012).

➢ On similar lines NABARD pensioners got pension/family pension updation in July 2023, getting 2 cycle updations at once- The effective date for Pension Revision for Pre-01.11.2012 Pensioners will be 01 March 2019. The effective date for Pension Revision for Pensioners who retired between 01.11.2012 and 31 .10.2017 will be 12 June 2023. That means they got arrears from 1-3-2019 till date, for first updation as on 1-11-2012. 

➢ The employees’ union in SBI had moved the Delhi H C demanding 1) uniform pension of 50% to all(they were getting 40% & 50% depending on the basic pay) 2) updation of pension with every wage revision, 3) Uniform rate of family pension & 4) 100% DR (Dearness Relief) neutralisation to pre 11/2002 retirees. The case had reached the crucial stage and the H C directed the DFS to file its report. Finance Minister vide letter dtd.14-06-2023 formed a high-powered committee headed by 

Addl Secretary, DFS (Dept of Financial services), consisting 3 Joint Secretaries, Representatives from IBA & SBI. Petitioner union was also permitted by the H C to attend the committee’s meeting and submit its demand. The committee was mandated to give its report on or before 21-7-2023. It was also mandated to throw light on the industry wide ramification in the PSU banking sector. The committee recommended uniform 50% pension to all and accordingly Delhi H C delivered the verdict. IBA’s request to delink the issues 2 and 4 above, was acceded to by the committee.

➢ FM gave a deadline to IBA to conclude the current wage revision as on 1-11-2022 before 30-11-2023.

Accordingly, IBA sprang into action and within 3-4 sittings signed the minutes granting- 1) 100% DR to pre 11/2002 retirees from October 2023 (In LIC, retirees prior to 8/1997 are getting truncated DR and NOIP discussed this issue with MD, LIC on 2-11-2023), 2) One more pension option to resignees. 

(This is taken up by NOIP since 2010 with LIC/DFS. The VRS optees less than 55 years of age are treated as resignees and denied OMOP in 2019. We again discussed this issue with MD, LIC on 2-11-2023) and 3) Offered 16% rise in wages with 2.5% weightage in basic pay. Regarding pension updation, IBA explained the cost implications of the same and indicated that they are trying to workout some possible solution to improve the pension of all past retirees post 1-1-1986 till 31-10-2022.

It is said that RBI pattern of updation with 10% weightage may not be offered, it may be lesser thanthis. In all probability wage agreement is likely to be signed before 30-11-2023 by IBA which mayinclude updation of pension with a tinkered formula. This would be the biggest break throughregarding pension updation.

➢ These positive trends would reflect on LIC too and we expect the wage revision in LIC due on 1-8-2022, to come through early. NOIP has been consistently pursuing pension updation with LIC/DFS,and along with wage revision itself, pension updation to be clubbed, as opined by the Addl Secretary,DFS, when our delegation met him in November 2021. MD, LIC was positive on this during ourmeeting on 2-11-2023, saying, let us wait for the happening in Banks first.

All these positive developments in the banking sector, indicate the unfolding of the long pendingpension issues, plaguing the entire financial sector. In LIC, we get the newer benefits, only after they aregranted to banking sector, as is the experience in the past.

We assure you that NOIP will not leave any stone unturned, to get proper resolution to all our pending

pension related issues.

NOIP/BMS LONG LIVE.

With greetings,

 General Secretary

NOIP Circular No 34

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030. 

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570 

Date: 10-11-2023

Shri. Sat Pal Bhanoo ji,

Managing Director,

L I C of India, Central Office,

Yogakshema, MUMBAI

Dear Sir,

Re: OMOP (One more pension option) to those, whose VRS was treated as resignation

You may please recall our meeting with you on 02-11-2023. We thank you profusely for having listened 

with patience, all our submissions regarding the pending issues of pensioners. 

One of the long pending issues was also discussed- regarding granting of one more pension option to 

those who took VRS, but due to the outdated, inequitable rule 19 of (Staff) Rules, 1960, their VRS was 

treated technically, as resignation and they were not offered OMOP in 2019. Most of these retirees have 

even put in more than 30 years of service at the time of retirement on resignation. It is paradoxical to 

note that employees’ pension rules provide pension for a minimum service of 20 years, whereas these 

hapless, less fortunate resignees, who have put in more than 20 years of service, have been denied the 

OMOP. Majority of them are ladies who took VRS due to family commitments or health issues. They 

have not gone to green pasture.

In the wage negotiations held by IBA on 9-11-2023, Minutes were signed between IBA and UFBU, 

agreeing to offer OMOP to their resigned employees.

As such, we once again implore upon you to offer OMOP to these retirees who had resigned for family 

needs and on health issues. Their number is very less and would not entail much burden financially, on 

the Corporation. 

Hoping for a positive response,

With thanks and regards,

Yours Sincerely, 

 General Secretary

 

NOIP Circular No 33

NATIONAL ORGANISATION OF INSURANCE PENSIONERS

Regn No.PN 4769 (Regd under Indian T U Act, 1926)

(Affiliated to Bharateeya Mazdoor Sangh)

BMS Office, Vishwakarma Bhavan, 185, Shaniwar Peth, Pune 411030.

 President: T.C. Gunesh Kumar Working President: Vilas V. Purkar General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9922166599 Mob No: 9561084182 & 9945104570

Date: 02-11-2023

Cir No 33/2023

To all the members

Re: Visit to CO and meeting with MDs

The NOIP delegation led by the undersigned and accompanied by S/Shri. Phadke, VP, Mapara, Org Secr,

Hadas, Asst Treasurer & Edlabadkar, Spl Invitee to the Secretariat visited Central Office and met the top

officials.

1) The team met Shri. M. Jagannath ji, MD and greeted him with a bouquet on his elevation as MD.

He was so humble to say that he does not feel it proper to be honoured by seniors like us and

thanked the undersigned for all the support/guidance rendered when he reported at Dharwad

as a direct recruit officer. He wholeheartedly assured that he would give his helping hand in

serving the cause of pensioners.

2) Then we met Shri. R. Doraiswamy ji, MD and greeted him with a bouquet on his elevation as

MD. We gave a letter requesting grant of GIS (Group Insurance Scheme) to all the pensioners

who are less than age 75, irrespective of date of retirement. We also told that our Vice President

Shri.U.C.Mohanty had met the Chairperson at Bhubaneshwar for the same issue and got the

assurance of reviewing the matter by the latter. Shri. Doraiswamy was considerate and assured

to look into the matter after our emphasizing the fact that the entire premium is borne by the

members of the scheme.

3) Then we moved to the chamber of Smt. Manju Bagga, ED (P&GS), honoured her with a bouquet

on her elevation as ED. We gave the copy of letter addressed to MD, Shri. R.Doraiswamy

regarding GIS to all and narrated our discussion held with the latter. And requested her to put

up the matter with positive note without taking the alibi that the average premium may go up, if

all retirees are offered the cover.

4) Lastly, we went to the chamber of MD, Shri. Sat Pal Bhanoo ji at the appointed time of 2 PM. We

greeted him with the bouquet on his elevation as MD and sat for discussing the issues.

• OMOP to the left-over Ex-Servicemen and directly recruited superintending engineers- We

quoted NOIP’s Bhubaneshwar unit’s meeting with the Chairperson at Bhubaneshwar where

this issue was raised. We requested the MD to re-refer to the DFS so that we can follow up

at DFS.

• OROP with every wage revision- We referred to the conciliation proceedings signed by

NOIP Bhubaneshwar unit with LIC in the presence of Dy Central Labour Commissioner,

Bhubaneshwar and enquired whether LIC has forwarded our charter of demands to DFS,

and if not, requested the MD to send the same to DFS. We also referred to the developments in the banking sector indicating that IBA is inclined to discuss with UFBU

(United Forum of Bank Unions) the issue of updation of pension, in view of high-level

committee formed by the finance minister. On our pointed query whether LIC has referred

updation issue to DFS, he said no, but quipped to say that let LIC wait for what happens in

banking sector, so that LIC also can take steps in this regard.

• Increased pension to 80+ pensioners, double the family pension up to 67 age, 50% of last

pay as pension- We said, presumably all these issues are referred to DFS by LIC and

requested for follow up by LIC. Regarding 50% of last pay as pension, we discussed in detail

about this anomaly and he noted the same. He did not negate any of these demands and

was positive.

• Full pension for 20 years’ service- We discussed in detail how this is affecting those

recruited as Dev Officers/SC/ST/OBC employees at higher age, ex-servicemen, directly

recruited SEs etc, who cannot complete 33 years of service and getting proportionately very

less pension. The benefit of full pension for 20 years’ service, has been given to RBI

pensioners in 2013 itself taking cue from the Central Pay Commission. We insisted the MD

to refer this to DFS, if not referred already. He did not commit anything but did not deny

too.

• One more pension option to those who have resigned- He was against giving any benefits

to the resigned employees saying, they could have supported the LIC by continuing. When

we pointed out that IBA in their latest round of wage revision talks, have agreed to consider

a similar demand by bank unions, he did not agree to commit anything on this issue.

However, we continue to follow up this issue. Regarding our demand of one more

Mediclaim option to VRS optees, he emphatically said no.

• 100% DR neutralization to pre 8/1997 retirees- We submitted the chart prepared by Shri. C

T Joshi ji, showing a huge loss of more than Rs.15000 per month at ED level who are almost

85+ now. We pointed out that IBA already signed the agreement with UFBU for those who

retired prior to 11/2002, despite many court cases pending. Even the DR arrears were paid

by all the Banks with October pension. We requested the MD to follow the suit in LIC in

respect of pre 8/97 retirees, without taking the alibi of the matter being sub-judice. Though

he was convinced about the issue, he did not commit anything.

• GIS (Group Insurance Scheme) to all- We insisted to grant GIS to all those less than 75

years of age irrespective of date of retirement, since the entire premium is borne by the

pensioner. Chairperson in Bhubaneshwar has indicated to our delegation about the review

of the same. MD has noted our demand.

• ADOs’ training period- We insisted to count ADO’s period of development officers for the

calculation of gratuity and pension, saying that for the direct recruit AAOs of batch Nos 6 to

14, apprentice period of AAOs was considered for gratuity. And also in one case of a

different establishment, the Karnataka H C has given a verdict, saying, if an apprentice is

absorbed in regular service, without break in service after the apprentice period is over; ,

apprentice period is to be counted for all terminal benefits. MD was, however non￾committal. We have to further follow up and take recourse to other remedies.

Cut off dates while giving benefits to retirees- We fight for the benefits to retirees and in

some cases LIC granted the benefits, but from prospective date or with a cutoff date; thus,

denying the benefit to the existing retirees, for whom we fought. This is the travesty of

justice. We also gave him the copy of our earlier letter dtd 19-02-2023 written to the

Chairperson and requested to note this sensitive matter in granting any future benefits to

the retirees.

• Disciplinary Matters- We expressed our concern regarding the increasing number of cases

of disciplinary actions after retirement. We quoted some cases where the chargesheet was

issued on the date of retirement. We requested the MD to avoid issue of chargesheet on the

last day of service since the retiree gets depressed. Another case we quoted where

chargesheet was issued after 4 years of the cause of action in violation of Pension Rule 48(1)

last proviso. He assured that this point would be kept in mind. We also requested a lenient

view in respect of disciplinary actions. He concurred and said that they try to keep the

punishment to the minimum, except in cases of intentional frauds of serious nature.

• Pension credit on due date- This was discussed in all details and we repeated our demand

of crediting the pension on the day salary is credited to the in-service employees or on bank

pattern. He assured that all the efforts would be made to credit the pension on the first date

of next month irrespective it being a holiday/Saturday/Sunday.

Shri. Bhanoo ji, MD, throughout the half an hour discussion, gave a patient listening in a cordial

and congenial atmosphere, keeping us feel comfortable all through. He candidly admitted that

LIC has grown because of the hard work done by the retirees. He requested/wished us to

maintain a good health in the service of pensioners, saying he too would join the fraternity in a

near future.

We assure that, we would continuously follow up the pending issues till a logical conclusion is

reached.

With greetings,

General Secretary