NOIP circular no 30 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570 

 

Date: 18-09-2024

Cir No 30/2024

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re: Request for reduction in the commutation period & grant of NGI (Normal Grade Increment) 

due on the next day of retirement.

Regarding the captioned twin issues, we would like to place before you the following facts and 

developments for your kind consideration and necessary action.

1) Reduction in the commutation period from 15 to 10 years.

We have already requested you through our earlier communication to reduce the commutation 

period from 15 to 10 years. This is in deference to our charter of demands wherein we have 

demanded the same and it was subject of discussion before the Deputy Central Labour 

Commissioner, Bhubaneshwar during the conciliation proceedings held by NOIP with LIC. 

Latest judgments by various courts in the country buttress our demand.

* Punjab & Haryana HC Interim order dtd 31-5-2024 in respect of CWP 14058 of 2024, wherein 

interim injunction has been given to stop recovery of commuted portion, where the retirees 

have completed 10 years after retirement.

* WP Nos 5617 & 7176 of 2024 filed in UP HC by 2 different sets of state govt pensioners- Interim 

injunction given in both WPs ordering stoppage of commutation amount recovery, pending final 

disposal.

* Central Administrative Tribunal (CAT), Jaipur ruled in similar cases of Railway retirees in OA No 413 

of 2024 dtd 25-7-2024 and ordered stoppage of commutation amount to all the concerned retirees 

who have completed 10.8 years after retirement and gave 8 weeks’ time for implementation. 

As such, we request you to recommend to the DFS for reduction in commutation period from 15 

to 10 years for LIC retirees and oblige.

2) Grant of Normal Grade Increment (NGI) to all those retirees where NGI is due on the next day 

of retirement ✓ SC case- Civil Appeal No 2471 0f 2023, Director (Admn) & HR, KPTCL vs C P

Mundinamani. The SC has ruled that NGI is payable to the retiree if NGI is due on the

next day of retirement, while dealing this case.

✓ Indore HC, WP No 7740 of 2024, order dtd. 4-4-2024- The petitioner retired on

30-06-2012 and NGI was due on 1-7-2012. HC ordered NGI to be granted due on

1-7-2012 and arrears from the date of retirement, relying on SC case Civil Appeal No

2471 0f 2023, Director (Admn) & HR, KPTCL vs C P Mundinamani. M P & Rajasthan State

Govts have issued circular, instructing to grant NGI to all eligible state govt retirees.

✓ Jabalpur HC order dtd 30-08-2024 i/r of WP No 19950 of 2024 filed by Shailesh Tiwari,

retd ADM, LIC, against SDM Jabalpur and others. Shri.Tiwari retired on 30-06-2023 and

NGI was due on 1-7-2023. HC relied on SC case verdict in this matter too, and ordered

payment within a period of 6 weeks, by granting NGI as on 1-7-2023.

✓ As per relevant section of LIC of India (Staff) Rules, 2021, NGI becomes due after

completion of 365 days of service in the previous year. Accordingly, NGI becomes due

on the next day of retirement date for those who complete 365 days on the last day of

one’s service and whose NGI would be due on the next day of retirement.

✓ In view of all the developments and taking cue from the aforesaid judgment of the SC

on the subject, we appeal to you to consider granting of NGI to all such retirees whose

NGI is due on the next day of retirement. If it is deemed necessary to amend the

relevant section of granting of NGI in the Staff Rules, 2021, the same may please be

taken up with DFS.

We request you to recommend both the issues to DFS for their consideration and

approval and oblige.

With thanks and regards,

General Secretary

 

NOIP circular no 29 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 18-09-2024

Cir No 29/2024

To All The Members

There have been queries from our members regarding latest various judgments regarding reduction in

commutation period and NGI (Normal Grade Increment) due on the next day of retirement. There is

no need to jump into action or feel concerned/worried. I mention here below briefly about the latest

judgments￾A) Reduction in commutation period￾1) Punjab & Haryana HC Interim order dtd 31-5-2024 in respect of CWP 14058 of 2024 filed by C M

Tandon, retd UBI employee and others. The HC has issued has issued interim injunction, only in

respect of petitioners, pending final disposal, ordering stopping of recovery of commuted

portion for those who have completed 10 years after retirement. C M Tandon got the said relief

from UBI and likewise, some state govt pensioners/petitioners also got relief from their govts.

Some LIC pensioners also filed WP and they too got similar order but LIC has not implemented

interim injunction and sought time from the HC by becoming a party to the case.

2) WP Nos 5617 & 7176 of 2024 filed in UP HC by 2 different sets of state govt pensioners- Interim

injunction given in both WPs ordering stoppage of commutation amount recovery, pending final

disposal.

3) Central Administrative Tribunal (CAT), Jaipur ruled in similar cases of Railway retirees in OA No

413 of 2024 dtd 25-7-2024 and ordered stoppage of commutation amount to all the concerned

retirees who have completed 10.8 years after retirement and gave 8 weeks’ time for

implementation.

(B) Granting NGI due on the next day of retirement￾1) Indore HC, WP No 7740 of 2024, order dtd. 4-4-2024- The petitioner retired on 30-06-2012 and

NGI was due on 1-7-2012. HC ordered NGI to be granted due on 1-7-2012 and arrears from the date

of retirement, relying on SC case Civil Appeal No 2471 0f 2023, Director (Admn) & HR, KPTCL vs C P

Mundinamani. M P State Govt has issued circular, instructing to grant NGI to all eligible state govt

retirees.

2) Jabalpur HC order dtd 30-08-2024 i/r of WP No 19950 of 2024 filed by Shailesh Tiwari, retd ADM,

LIC, against SDM Jabalpur and others. Tiwari retired on 30-06-2023 and NGI was due on 1-7-2023.

HC relied on SC case verdict in this matter too, and ordered payment within a period of 6 weeks, by

granting NGI as on 1-7-2023. Further developments in the case have to be watched.

Take away from the foregoing cases

Regarding these two issues, favourable judgments are coming out from courts/tribunals etc.

✓ The matter is quite fluid except in case of NGI after retirement in respect of MP State, where

circular is issued by MP Govt for release of NGI to state govt retirees.

✓ LIC, being the all-India organization, its next move regarding these HC judgments, is not

known, since it has all India ramification.

✓ Our members who fall under the ambit of both the above issues, at this stage, need not be

over excited/worried unnecessarily. Because, the issue is not finally disposed off in Panjab &

Haryana HC regarding commutation period. And the stand of LIC is yet to be known in this

case and in case of verdict by Jabalpur HC on NGI.

✓ You are aware that NOIP, in deference to its charter of demands and after HC judgments,

has written to LIC & DFS for reduction in commutation period to 10 years.

✓ At an opportune time, we would issue necessary instructions to our members concerned

regarding both the issues. Till such time, you are requested to maintain composure and not

to be swayed away by what other pensioners’ associations are doing by creating

unnecessary hype.

With greetings,

 General Secretary

 

NOIP circular no 28 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 14-09-2024

Cir No 28/2024

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re: Inordinate delay in disbursement of wage revision arrears to retirees.

With a lot of pain at heart, we would like to place the following points for your kind information

and necessary immediate action-

➢ Ever since 2010 (from 2007 wage revision), NOIP has been writing to CO after every wage

revision, to fix a deadline to the operating offices for payment of arrears to retirees, who

are eligible to receive wage revision arrears. It seems to have fallen on deaf ears!

➢ We are happy that in service employees receive the arrears within a fortnight. Why the step

motherly attitude towards senior citizens who have retired?

➢ This time one more new feature added- arrears are being paid in 3 instalments viz salary

arrears, gratuity difference and finally difference in commutation amount and pension

arrears.

➢ Many Divisional Offices have not released arrears even the second instalment ie gratuity

difference.

➢ Most astonishing and despicable fact is that retired development officers are the most

neglected lot, though they supply blood and oxygen to the organization by way of new

business. In many divisions even salary arrears are not paid to them. Are they not our

employees? This is happening perhaps, there is a lack of coordination/understanding

between the marketing and pension depts of divisional office.

➢ We learn that thousands of cases are pending in all ZOs for approval of arrears on account

of revision of pension and commutation amount. Extra staff needs to be deputed to clear

the backlog.

➢ At the cost of repetition, we implore upon you to take the serious view of this issue and fix

the deadline to operating offices for releasing arrears. With each passing day, retirees are

losing thousands of rupees by way of interest, as the arrears are huge running into several

lakhs of rupees.

➢ If no immediate remedial action is initiated from your end, NOIP would be left with

no other alternative than to stage Dharanas before all the operating offices and Zonal

Offices. This would be a disgrace to our great institution which we would try to avoid,

unless it is forced upon us to do so due to apathy of the management towards senior 

citizens.

We anticipate the immediate response from you, Sir. Since you always affirm that we

seniors have built this great edifice of Yogakshema.

 With thanks and regards,

 General Secretary

NOIP circular no 27 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570 

 

Date: 13-09-2024

Cir No 27/2024

To all the Members

This is further to our circulars No 25 & 26.

• After our shooting a letter to the Secretary, DFS for updation (revision) of pension, Shri. Rajiv 

Kumar Sharma, CC Member, NOIP went to meet the Joint Director, Insurance, Smt. Neha 

Chauhan (not Addl Director as reported earlier), to hand over the hard copy of our said letter.

She had gone to North Block as she is scheduled to go on training for a month. Since she did not 

turn up to DFS office, Shri.Rajiv ji met the Under Secretary, Shri. Gurfan ji and handed over the 

letter along with the anomaly chart. Discussion went on for 30 minutes. He read the letter and 

asked certain clarifications which were convincingly provided by Rajiv ji. We were successful in 

convincing that this is the greatest anomaly arising out of non-revision of pension ever since 

1995, when the pension rules were notified.

• Regarding 50% of last pay as pension, it was insisted upon the need to review all old cases, 

though implementation is from the prospective date, lest existing pensioners would be 

subjected to injustice.

• Detailed discussion also took place regarding the OMOP to resignees. Extract from our Staff 

Rules was given to bring home the issue with more clarity. It was also reiterated that in Banks 

OMOP to such resignees was given after the bipartite settlement with IBA and insisted to do so 

for LIC resignees too, whose number is in hundreds and 99% resignees are ladies who have 

resigned for family commitments/exigencies.

• We feel that the ball is set in motion regarding other pending issues including pension revision. 

But there is a dire need to constantly follow up the matter at all levels of DFS including ministry.

We assure you that NOIP, true to its tradition, activity, vibrancy, would continuously pursue the matter 

at DFS and ministry level, till we achieve the positive results.

With greetings,

 

General Secretary

NOIP circular no 24 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 25-08-2024

Cir No 24/2024

The Chief Executive Officer & MD,

LIC of India, Central Office,

“Yogakshema”, MUMBAI.

Respected Sir,

Re: Updation of pension and Unified Pension Scheme (UPS)

This is further to our various earlier letters and the latest being dtd 22-08-2024, in respect of

updation of pension and other pension related issues.

There is a more thrilling and revolutionary move by the Union govt that they announced yesterday

the cabinet decision approving the Unified Pension Scheme (UPS) to the 23-lakh central govt

employees/retirees, who are under NPS ever since 2004. Bharatiya Mazdoor Sangh, the Numero

Uno central trade union and the recognized union, had been demanding the Old Pension Scheme

(OPS) in lieu of NPS. The long-drawn efforts bore fruit yesterday when the govt announced UPS,

quite akin to OPS. If State govts replicate the UPS, 90 lakh govt employees would be benefited

when they shift from NPS to UPS by opting for the same.

In the banking sector also, a lot of developments are there regarding the updation of pension. For

the first time the IBA accepted in principle, the need to update the pension of bank pensioners and

consequently signed the bipartite agreement with the UFBU (United Front of Bank Unions) to

grant monthly ex gratia to their pensioners in addition to the pension, for the current wage revision

period, pending pension updation.

There is a favourable atmosphere regarding the updation of pension and mood of the govt appears

to be positive in this regard. As such, we once again implore upon you to recommend the updation

of pension for LIC pensioners to DFS, if not done so earlier. Bharatiya Mazdoor Sangh (BMS) is

very serious about this issue and is planning to meet the Finance Minister shortly to press for the

updation of pension for Bank and Insurance sector pensioners.

We fervently hope that you would do the needful in the matter,

With thanks and regards,

Yours Sincerely,

General Secretary

NOIP circular no 26 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 12-09-2024

Cir No 26/2024

Shri. Nagaraju Maddirala,

Secretary, DFS,

Jeevan Deep Bldg,

Parliament Road, New Delh

 Respected Sir,

Re : Revision of Pension for LIC Pensioners.

This is further to our letter dtd 1-9-2024 handed over in person to the Director, Insurance on

11-09-2024.

LIC Employees’Pension Rules, 1995 were promulgated by means of a Gazette Notification

by Government of India on 28-06-1995. These Rules were based on the then prevailing CCS

(Pension) Rules, 1972 and CCS (Commutation of Pension) Rules, 1981. All Employees retired on

or after 01-01-1986 were allowed to exercise an option to join the Scheme on certain terms and

conditions. The rules were made effective from 01-11-1993.

Even for Central Govt Pensioners the Revision of Pension came only by the

recommendations of V CPC submitted in 1997 and accepted by GOI and implemented wef 01-01-

1996. However, the Pension Revision was done by GOI by issuing OM. This method of

Revision of Pension by issuing OM continued till CCS (Pension) Rules, 1972 were withdrawn

by bringing in CCS (Pension) Rules, 2021. It is in this CCS (Pension) Rules, 2021 that

Revision of Pension was incorporated under Rule 66.

Since at the time of promulgation of LIC Employees’ Pension Rules, 1995, there was NO

Pension Revision for CG Pensioners also. Hence, LIC Pensioners missed out on Pension Revision

right from 1993 till date though 8 rounds of wage revision have been completed.

The effect of no Pension Revision in LIC has resulted into EIGHT groups of Pensioners

viz.

Group Which Retirees are covered.

Group 1 Retired from 01-01-1986 to 31-07-1992

Group 2 Retired between 01-08-1992 to 31-07-1997

Group 3 Retired between 01-08-1997 to 31-07-2002

Group 4 Retired between 01-08-2002 to 31-07-2007

Group 5 Retired between 01-08-2007 to 31-07-2012

Group 6 Retired between 01-08-2012 to 31-07-2017

Group 7 Retired between 01-08-2017 to 31-07-2022

Group 8 Retired on or after 01-08-2022 onwards.

The effect of these Groups is that the Basic Pension, the DR rate per Slab, the DR Slabs

and Gross Pension drawn by the Pensioners retired in the same Cadre vary widely. We are

enclosing herewith a Statement of Monthly loss suffered by earlier Pensioners as compared to

present generation of Pensioners ie Group 8 Pensioners.

We here below present an example out of the Statement attached to bring home the injustice

suffered for the last 30 years by founding fathers of LIC after their retirement, because of NON

REVISION OF PENSION since inception of the Scheme.

Basic Pension DR rate/Slab Slabs DR payable Gross Pension Loss

Retired Executive Director Group 1

Rs.3,500/- Rs.16.08 2154 Rs.34,636/- Rs.38,136/- Rs.1,30,259/-

Retired Executive Director Group 2

Rs.7,000/- Rs.19.85 2017 Rs.40,037/- Rs.47,037/- Rs.1,21,358/-

Retired Executive Director Group 3

Rs.11,800/- Rs.27.14 1869 Rs.50,725/- Rs.62,525/- Rs.1,05,871/-

Retired Executive Director Group 4

Rs.17,553/- 31.5954 1722 Rs.54,407/- Rs.71,960/- Rs.96,435/-

Retired Executive Director Group 5

Rs.29,075/- 43.6125 1568 Rs.68,384/- Rs.97,459/- Rs.70,936/-

Retired Executive Director Group 6

Rs.55,618/- 55.618 1127 Rs.62,681/- Rs.1,18,299/- Rs.50,096/-

Retired Executive Director Group 7

Rs.91,250/- 73.000 716 Rs.52,268/- Rs.1,43,518/- Rs.24,878/-

Retired Executive Director Group 8

Rs.1,51,163/- Rs.90.6978 190 Rs.17,233/- Rs.1,68,396/- NIL

RETIRED DRIVER IN GROUP 8

Basic Pension DR rate/slab D R Slabs DR payable Gross Pension

Rs.35,745/- Rs.21.447 190 Rs.4,075/- Rs.39,820/-

It is evident from the above Charts that a Retired ED of Group 1 receives less pension of

Rs.1,30,259/- as compared present retired ED.

A retired Driver now receives more Pension than the Retired ED of Group 1.

Similar anomaly exists for all Cadres – within the Cadre and compared to lower Cadres.

The only solution to bring down this anomaly is to Revise Pension with each Wage

Revision of In-service employees.

We are bringing this Anomalous condition about our Pension Scheme to your knowledge

hoping that some solution will be found out in the form of Pension revision with every Wage

Revision for in-service employees of LIC.

The detailed anomaly chart as on 01-08-2024, cadre wise from Executive Director to Sweeper, is

enclosed here with for your ready reference. Just a glance at the said chart gives the idea about the

greatest anomaly in the gross pensions, for not having revised the pension ever since 01-08-1987.

With thanks and regards,

Encl: As above

Yours Sincerely,

 General Secretary

 

NOIP circular no 25 - 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 General Secretary: Ashok J. Joshi

 Mob No: 9880683639 Mob No: 9561084182 & 9945104570

Date: 11-09-2024

Cir No.25/2024

Latest positive developments regarding our pending issues at DFS- NOIP single man delegation meets

DFS officials today.

This is further to my report dtd.4-9-2024 about our visit to DFS office on 3rd instant. As a further follow

up I sent a mail to PS to Joint Secretary on 9-9-2024 requesting for an appointment with the JS. I tried to

contact on phone but was not connected due to busy lines since it is a landline number. I requested Shri.

Rajiv Kumar, our C C member from Delhi to visit the DFS office. Accordingly, he visited the office today

and contacted the Personal Secretary to the Joint Secretary through receptionist. PS informed that my

email has been forwarded to the Director Insurance and asked to meet her. On contacting, she

immediately asked to meet her. This was a pleasant surprise and on receiving phone call from Shri.Rajiv

ji, I requested him to meet as a single man delegation of NOIP and immediately mailed NOIP’s letter dtd

1-9-2024 addressed to the new Secretary, DFS. He got the print out there only and went to meet the

Director Smt.Mandakini Balodhi. Though she was in an important conference call, she entertained

Shri.Rajiv ji for a few minutes, read the letter, hinted certain developments and marked it to the Addl

Director, Insurance Smt. Neha Chauhan, who is actually dealing with our issues and asked to meet her

for detailed discussions.

Immediately thereafter Rajiv ji met Smt. Neha, Addl Director. He discussed all the issues contained in the

letter dtd. 1-9-2024 in detail and the discussion went on for more than half an hour. Under Secretary,

Shri. Abdul Gurfan also joined in the discussions. There were positive indications. Thus, discussion with

all the 3 important officers who are dealing with our issues went on for total 90 minutes. The take away

from the discussions is briefed here below-

➢ Our meeting with Dr. Prashant Kumar Goyal, Joint Secretary, on 25-4-2024 (discussed all the

issues contained in our letter to Secretary, DFS dtd 23-4-2024) was a break through in the

resolution of our issues. Because, soon after our said meeting he sought the notes on all issues

from the dept. All the above 3 officers are engaged in this exercise.

➢ Dr Goyal is said to be an upright and positive minded officer, who listens to the genuine

grievances and acts upon them with all seriousness. We got the same impression when we met

him for the first time on 25-4-2024.

➢ 4 issues which are supposed to have been recommended by LIC are under active consideration

by the ministry, viz 1) OMOP to left over ex servicemen and engineers, 2) Increased pension to

80+ pensioners, 3) 50% of last pay as pension if it is favourable to the retiree & 4) Double the

family pension up to 67 years of age of deceased pensioner.

➢ We got the hint that immediately an exclusive letter on a single issue of updation be sent to the

Secretary, DFS. We will be doing it in a day or two, though in every letter of ours this finds a first

preferred issue for resolution.

➢ Other issues contained in our letter dtd 1-9-2024 were also discussed in all details and we will

further follow up these issues.

➢ There is a positive atmosphere regarding our long pending issues in the DFS after taking over

charge as Joint Secretary by Dr. Prashant Kumar Goyal, who is genuinely interested to address

our issues.

We salute our C C Member Shri.Rajiv Kumar Sharmaji for his single man successful mission in the DFS

today. He was there from 3-30 pm to 6-30 pm.

We thank all the above 3 officials of DFS who were cordial and gave a patient hearing and we felt

reassured.

We assure our members that we continue to pursue all the other issues by making frequent visits to the

DFS.

NOIP Zindabad- BMS Zindabad

Encl: Our letters dtd 1-9-2024 and 23-4-2024.

General Secretary