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All the CHQ Office Bearers and Circle Secretaries are once again requested to attend the Central Executive Committee Meeting being held virtually at 2PM on 23-01-2021. The link has already been sent to all the CEC members well in advance. You may just click the link and participation will be ensured. In case of any difficulty you can contact Com.N Guruprasad, Circle Secretary, Kerala who is hosting the virtual meeting , mobile No. 9447616100. Befor clicking ensure that “Zoom” is downloaded in your device. Please join the meetint at 1.45PM so that we can statrt the meeting at the scheduled time.

Com. V A N Namboodiri, our Advisor and Patron, NCCPA has consented to inaugurate the CEC. Com. A K Bhattacharjee will preside over the meeting. Com. P V Chandrasekharan, Patron also will address the CEC.



DGBA.GBD.No.SUO 546/45.01.001/2020-21

January 21, 2021

The Chairman / Chief Executive Officer
All Agency Banks

Dear Sir,

Withdrawal of circulars on Recovery of excess pension made to pensioners

It has been brought to the notice of RBI that the recovery of excess /wrong pension payments from the pensioners are being made in a manner that is not in keeping with the extant guidelines / Court orders.

This issue has been examined by RBI and it has been decided that the following circulars issued by Department of Government and Bank Accounts, Reserve Bank of India related to recovery of excess pension paid by agency banks stands withdrawn with effect from the date of this circular

Circular no DGBA.GAD.No.2960/45.01.001/2015-16 dated March 17, 2016
Circular no CO.DGBA (NBS) No.44/GA.64 (11-CVL) 90/91 dated April 18, 1991
Circular no CO DGBA (NBS) No.50/GA.64 (11-CVL) 90/91 dated May 6, 1991.

It may please be noted that though the above-mentioned circulars issued under the signature of RBI stand withdrawn, agency banks are requested to seek guidance from respective Pension Sanctioning Authorities regarding the process to be followed for recovery of excess pension paid to the pensioners, if any.

As regards the issue of refund to be made to the government of excess/wrong pension payments, banks may be guided by the guidelines laid down in our Circulars Nos.DGBA.GAD.H10450/45.03.001/2008-09 dated June 1, 2009 and DGBA.GAD.H.4054/ 45.03.001/2014-15 dated March 13, 2015. Agency banks are again advised that, where excess pension payment has arisen on account of mistakes committed by the bank, the amount paid in excess should be refunded to the Government in lumpsum immediately after detection of the same and without waiting for recovery of any amount from the pensioners.

Yours faithfully

(Charulatha S Kar)
Chief General Manager


Image may contain: one or more people and people sitting, text that says "NL EMPLOYEES UNICN 0200 LCUTTA TELEPHONE CIRCLE, OLYMFIA HOUSE Ganesh Chandra Avenue, Kolkata 700 13 EXECUTIVE COMMITTEE MEETING 11.00 hours, 9th Nov, 2020 ion: Com.P. Abhimanyu, HQ ker Com. Animesh Mitra, President, CHQ Roy, CS. Datta, CP. sident: Com.Prabil Com. BSNLEU"

Circle Executive Committee of AIBDPA Kolkata Telephone Circle was held on 19-01-2021. Com Supriya Mitra, Circle President presided. Circle Secretary com. Sanjib Banerjee welcomed the participants and presented a brief report for the intervening period. Com. Mihir Dasgupta ,Ashutosh Sen, Manisha Biswas, Ajit Dey Sarkar, Ranjit Das, Jayanti Chatterje, Sunil Datta ,Dulal Saha, Tapan Datta, Hashi Dasgupta and com. P.M. Das took part in the discussion. Several decisions were taken , to strengthen our organization, to stand with the Kishan Movements , Membership of the VRS Retirees etc.





(Registered under the T.U. Act. No. RTU01/2021.Dated.7.01.2021)

13.c Feroze Shah Road, New Delhi. 110 001


E mail:


SECY. GENERAL:          COM.K.K.N.KUTTY. (98110 483030)

Dated: 14th January, 2021.


Smt. Nirmala Sitharaman,

Hon’ble Finance Minister,

Government of India,

North Block,

New Delhi. 110 001.

Dear Madam,

We, on behalf of the Pensioners and Senior Citizens of the country submit the following for your kind consideration, while you prepare the annual budget of the country for the year 2021-22.  We make these suggestions to provide relief to the Senior Citizens, who suffered immensely during the pandemic period.  The agony and difficulties undergone by them is likely to continue for some more months as the dispensing of the vaccine and eradication of the disease is certain to be time consuming.  The foray of private entrepreneurs in the health sector of the  economy, as you are aware Madam, has made the health care costly and certainly unbearable for the senior citizens, most of  whom do not have a regular income or gainful employment.  In the absence of a universal social security system, they need special care from the Government.   No doubt the Government is concerned as is reflected from various proposals that had been incorporated in the Income tax Act in earlier years.  While those in the lower strata of the society find it difficult to make the both ends meet,  those who are pensioners and receive  certain fixed income gets dejected over the erosion of it through taxation.  We fervently hope that the acceptance of our undermentioned suggestions will go a long way to ameliorate their standard of living and would render them a little free from the financial strains and stresses in the evening of their life.  In the background that many countries in the world has exempted the Senior Citizens from the purview of direct taxation, we appeal to you that the suggestion may kindly be accepted.

Suggestion No. 1.

Kindly raise the non taxable maximum in respect of Senior Citizen to Rs. 5 lakhs an in the case of Super Senior Citizens to Rs. 8 lakhs, both exclusive of the entitled exemptions and deductions.

Suggestion No. 2.

              The rates of tax may be restructured as under:-

              For Senior Citizens:                                                 For Super Senior Citizens:

              Upto 5 lakhs-                                NIL                      Upto 8 Lakhs                 NIL

              5-10 lakhs                                      05%                     8-10 lakhs                       05%

              Beyond 10 lakhs                          10%                     Beyond 10 lakhs              10%

The surcharge being levied on tax so computed may be done away with in the case of Senior Citizens and Super Senior Citizens.

Suggestion No.3.

Deduction under section 16(1) may please be raised to Rs. 1 lakh in the case of both Senior and Super Senior Citizens.

Suggestion No. 4

Family pension being not salary, it may please be exempted under Section 10 by introducing a new sub- clause in that section.

Suggestion No. 5.

The ceiling limit stipulated under Section 80-C may be raised to Rs. 3 lakhs in the case of all Senior Citizens.

Suggestion No. 6

The restriction to the effect that the premium entitled for deduction under section 80-C in the case of Life Insurance policy, which is presently 10% of the sum assured, may please be raised to 20% of the sum assured as was the case earlier. Similarly the quantum of  PPF contribution which is entitled for the deduction under Section 80C may be raised to Rs. 3 lakhs.

Suggestion No. 7

Section 80-DDB be amended to provide a deduction of Rs. 1 lakhs for all Senior Citizens for  ou-tpatient treatment, without any restrictions covering all diseases, and Rs. 5 lakhs for hospitalisation for a period of not less than one week. The tax payer may be asked to provide the requisite information in the return itself viz.Bill No.  GST No. etc.

Suggestion No. 8.

In view of the reduction in the interest rate, the income of  Senior Citizens have come down considerably.  The deduction under Section 80-TTB may, therefore, be raised to a maximum of Rs. 1 lakh  in the case of all Senior Citizens.

Suggestion No.9.

The Government has recently withdrawn the concession provided for Senior Citizens in respect of Rail, Road and Air travel.  These concessions may be restored.

Suggestion No.10

Kindly introduce a comprehensive health insurance scheme with an affordable premium amount payable either monthly or yearly to cover all Senior Citizens in the country   for in-patient and out-patient treatment, in   private hospitals.  

Thanking you,

Yours faithfully,



Secretary General


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CHQ is saddened to report that Com. S C Shrivastava, veteran leader and Circle President, AIBDPA, Madhya Pradesh has passed away at 1100AM on 12-01-2021. He had heart ailment problems and was in the hospital some two years ago; but recovered and has been active in Association activities. However, recently he was affected with corona virus along with almost all of his family members and was admitted in a Bhopal hospital a few days ago. He was then tested negative three days back but his condition became serious on yesterday and breathed his last today.

Com.Shrivastavji was simple, gentle and always friendly which groomed him to such a great leader. He has taken up numerous responsibilities in the P&T Trade Union movement, Telegraph Class III Union, BSNLEU and lastly AIBDPA. In AIBDPA he has contributed immensely and served as CHQ Organising Secretary also. He was also associated with progressive movements in MP and has served as State Committee Member of the CPI(M) after retiremet.

The passing away of Com.S C Shrivastava is a great loss. AIBDPA pays respectful homage to the departed leader and conveys heartfelt condolences to his family, comrades and friends.


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It is a matter of happiness that National Co-ordination Committee of Pensioners’Association (NCCPA)could be registered under Indian Trade Union Act, 1926. The continuous efforts of Coms.KKN Kutty, Secretary General and K Ragavendran, Deputy Secretary General ably assisted by Com. M L Gupta, President, Punjab National Bank Pensioners Association and S K Sharma, General Secretary, CGPA, Jaipur have at last yielded the desired result. AIBDPA heartily congratulate all these leaders for this enthusing achievement. No doubt, this will help NCCPA a long way in taking up the issues of the pensioners effectively with the appropriate authorities for early settlement.