The idea behind this blog is to educate/help/enlighten and not to create controversy or to incite. The opinions and views expressed on this blog are purely personal. Please be soft in your language, respect Copyrights and provide credits/links wherever possible.The blog team indemnifies itself of any legal issues that may arise out of any information/ views posted by anyone on the blog. E-mail:

Friday, November 20, 2009


     Hony Lt SN DUBEY, in his mail (Sir, I am forwarding a personal feelings what i got during my 28 years of service. I was Edn Instr in the Army .PBORs come to me to know what is their pay pension what amount will we get on retirement? They have a large quiries. On retirement I feeling problems personaly and all are written in few words. I feel it is a guidelines for peoples who are in touch with circulars and DATA. I may request your honour to give space to my feelings and experiences. Thanks), sent to this blog, What we should do after retirement?, (Carrier Trg Capsule), is posted below for the benefit of information of all Veteran Brothers:-

     Soldiers who are enrolled in the Army/ Navy or Airforce will be retired but we don’t know what have to do. First of all I want to draw your attention now you are out from your existing organization, forget it, what you were. Now you are a common man in the new environment . Your Record Office, Zila sainik board, Station HQ and Sub Area will fulfill the requirements only.

     Zila Sainik Board:-Just after retirement or released from Depot Coy report to nearest Zila sainik board along with photographs,Discharge book, PPO,Registration form for re-employment and one copy of APA Registration form.ZSB will prepare your Identity card also.

     The Zila Sainik Welfare Offices (ZSWOs)/Zila Sainik Boards(ZSBs) which are the field units of this organisation are responsible for the tasks as given under:-

     (a)Disseminating information to the general public regarding the Armed Forces in the country and constantly endeavouring to promote and maintain a feeling of goodwill between civilians and service personnel and ex-Servicemen.

     (b)Monitoring the welfare of families of servicemen and ex-Servicemen and assisting them in representing their cases with the local administration or the Defence authorities.

     ©Giving information to the general public regarding the conditions of service in the Armed Forces and to assist intending candidates in approaching the appropriate recruiting authorities for purposes of enlistment

    (d)Keeping a watch on the adequacy of the number of pension paying Branch Post Offices.

    (e)Scrutinising applications for relief from various Military and Civil charitable funds and making suitable recommendations

     (f)Granting financial relief to ex-Servicemen and their dependents from funds at their disposal. Recommending cases of ESM and their families for financial assistance from KSB.

     (g)Settlement of financial problems such as pension and other retirement/release benefits/dues to ex-Servicemen and grants and assistance in kind to ex-Servicemen beneficiaries and dependents from the Central/State Govts or other Organisations such as the Indian Red Cross Society etc.

    (h)Maintaining close liaison with the Pension Disbursing authorities/agencies in the District to ensure prompt and correct payment of pension and reliefs to ex-Servicemen pensioners or their dependents.

    (i) Providing assistance for settlement of land and other disputes.

    (j)Promote and maintain under the guidance of the State Rajya Sainik Boards, welfare measures in the District such as Rest House for ex-Servicemen, old age pensioners' homes, vocational and other training facilities etc

    (k)To maintain close and effective liaison for purpose of resettlement through employment of ex-Servicemen with central Govt, State Govtand public sectors.

    (l)Assist ex-Servicemen in forming and setting up co-operatives for their self-employment.

2. Stn Headquarters:- The second step to report nearest Stn HQ/ Sub Area along with APA registration form and photograph for Canteen Smart Card.

3. ACTIVATION OF ECHS CARD :-Report to your parental Polyclinic for activation of card along with all the family members.If your card is not prepared in time visit along with the copy of form.

1. ECHS. The Scheme is now almost six years old and fully functional.

2. Polyclinics. All polyclinics are fully functional with authorised equipments and staff and are providing 88% medicare to members.

3. Membership. As on date approx nine lakhs are members with 27 lakhs beneficiaries. Approx 40% of eligible pensioners have become members.

4. Smart Card. Essential to avail entitled medicare. If there is any requirement to utilise the medicare at other than parent polyclinic temporarily, temporary attachment certificate for six months can be obtained from the parent polyclinic. For permanent change of parent polyclinic, smart cards are required to be changed for new polyclinic.

5. Referral Procedure. In the normal course, ECHS members are required to obtain referral from their parent polyclinic to the nearest Military Hospital/ Private Empanelled Hospital for availing their entitled medicare.

6. Empanelment of Private Hospitals. 1124 Private hospitals/ Nursing homes/ Diagnostics centres/ Dental clinics/ Laboratories have been empanelled with ECHS till date. Another 150 Private hospitals are under consideration for empanelment. In Delhi and NCR 109 Private hospitals have been empanelled.

7. Supreme Court Judgment. Supreme Court has dismissed the appeal regarding refund of contribution to pre 01 Jan 96 members. However, pre96 pensioners who have not become members can now become members without contribution.

8. Medical Treatment to ex-servicemen who have not joined ECHS. Veterans who have not joined the ECHS will continue to be treated in service hospitals subject to availability of beds and facilities. Veterans are not entitled to transfer/referral from one service hospital to another and also treatment in empanelled hospitals.

9. Reimbursement. Reimbursement is not applicable directly to ECHS members except for non empanelled private hospital bills in emergency on lifesaving grounds. Reimbursements are now approved like Pvt Hosp bills at Station Headquarters level. Only those bills beyond four lakhs are required to be forwarded to ECHS Central Organisation Delhi through parent polyclinic.

10. ECHS Expansion Network. The proposal for 181 new polyclinics and 16 mobile polyclinics (Type ‘E’ Military) is likely to be approved by MoD soon with infrastructure cost of Rs. 130 Crores and 44 Crores of revenue budget per annum. Six polyclinics (i.e.) Shakurbasti, Timarpur, Khanpur, East Delhi (Preet Vihar), Greater Noida and Gurgaon (Sohna Road) in Delhi /NCR are part of expansion network.

11. Review of ECHS. The MoD has reviewed the ECHS after five years. The review committee consisting of CGDA Rep, MoD Rep, MoD (Fin) Rep and ECHS Central Organisation Reps has submitted the report to MoD on 05 Sep 08. Major recommendations are given below:

Additional staff for polyclinic.

Polyclinic staff pay hike.

Enhancement of Financial Powers.

Referral procedure review* .

Medical Officer also as O i/c polyclinic.

Review of drugs management. Periodical review of ECHS.

* Military Hospitals can refer the patient to private empanelled hospitals and in non military stations polyclinic can refer the patient to non empanelled hospitals on reimbursement basis at CGHS rates.

12. Financial Outlay. In the current financial year revenue expenditure is almost Rs. 600 Crores i.e. pay for staff, Private hospital bills and medicines etc.

13. Grievances/Suggestions. All Grievances/ suggestions be intimated to your parent polyclinic/Station Headquarters for earliest implementation/resolve.

14. Queries. ECHS update is available on website
Contact No. of ECHS Central Organisation, Delhi. 25684846
Contact No. of ECHS (Navy) Office. 24101319
e-mail ID of ECHS(Navy) office
e-mail ID of ECHS Central Organisation
* Saat Sandesh
* Cashless / Govt funded Scheme
* Free Medicare at 227 polyclinics
* Free Medicare at 1124 private empanelled hospitals
* Free Medicare at 129 Military Hospitals
* Reimbursement for treatment in non emp hosp in emergency
* Comprehensive Medicare
* Non-ECHS Members to join earliest


1. Reference Central Organisation letter No B/49762/AG/ECHS dated 23 Oct 06 and IHQ of MOD (Army), DGMS (Army) letter No B/75782/DGMS-5(B)/ESM dated 15 Dec 08.

2. There have been many representations and complaints from the environment regarding period of issue of medicines for chronic ailments. Many aged ex-servicemen are on long term treatment for chronic diseases who in most cases do not need any change of treatment. Most of these patients do not require any review by Medical Officer/ Specialist and just come from far off places to get prescription for being issued with medicines. It causes hardship and has resulted in great discontent amongst such patients.

3. Hence, it has been decided in consultation with DGMS(Army), to issue medicines upto 90 days based on prescription giving due consideration to the age, physical condition and place of dwelling of the patient.

(KJS Makker)
Wg Cdr
Offg Dir (Med)

4. Concerned Bank/ DPDO:- Visit to your concerned Bank along with PPO and Pension book and attested photographs. Your original copy of PPO held with the branch of Bank . The amount of commutation and service Gratuity will be credited in your single bank account. It is noted that pension can be drawn with single account only.

DPDO- same procedure will be adopted in DPDO office. Visit there along with a certificate duly signed by Bank manager( from where you want to withdraw pension), 3 photographs duly attested by guzzated officer, PENSION BOOK, one revenue stamp and photocopy of PPO. The AO will issue a cheque and pension book. Your pension will start. Pl note- you have to visit your pension agency once in a year for verification.

5. AGI cheque:-At the time of retirement a cheque will be handed over by concerned Record office deposite the same as earliest as possible and keep the Insurance Cert with you.

6. Correspondances of any type of claim will be fwd to your record office.

7. Calculation of Pension , Commutation and Gratuity:-

To confirm your dues which is calculated by respective PAO(ORS)/CDA note the following formulae:-

Pension:- ( Basic pay+grade pay+gp x pay+MSP) /2(50%)

FOR EXAMPLE- basic pay of aax gp Subedar is 15720.00, Pension will be 15720+4600+1400+2000=23720/2=11860.00

Leave Encashment:-Total Pay+DA as on the day of retirement* no of days/30,

For example- The same Sub , total leave 300 days and On 27% DA , 23720.00*1.27=30124.00*300/30= 301240.00

© Commutation:- pension*12*0.5*commutation value

For example commutation value at the age of 53 yrs 8.724 = 11860*12*.5*8.724=620800.00

Gratuity:-Total pay with DA* length of service/2

For example - on service of 28 yrs and total pay as above (30124.00)
30124*28/2= 421736.00-ECHS contribution(12000.00)=409736.00

AGI maturity – On enrollment in Mar1982 MATURED AMOUNTas on today-
Rs 208796.00-21200.00(insurance)=187596.00

( e) AFPPF FUND:- amount ?
Total amount without fund- 301240+620800+409736+187596=1519372.00

8.Financial planning :- As per your requirements but save money for your future.

9. Misc :- Prepare two different files one for original documents and other for duplicate and keep in safe custody. Dectate all to your next of kin and disscuss all what they have to do on your death(which is natural) .

Thanks for more pl contact on 919492528310.

1 comment:

  1. Sir,
    Nowadays the pension account can be opened in joint account but can be operated only for pension purposes.