october 2016 samvad
TRANSCRIPT
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October 2016 SAMVAD
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October 2016 SAMVAD
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October 2016 SAMVAD
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4
October 2016 SAMVAD
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*******************************
(We are publishing hereunder a letter sent by one
of our members and our reply thereto for the
information of our members)
- Secretary
**********************************
The Secretary, 'Samvad',
I am a retired SBI Employee, (P. F. No.
124486) retired through Exit Policy in December
2006.I am writing this letter to show my gratitude
towards the advices offered by you through your
magazine 'Samvad' regarding the Family Floater
Group Health Insurance Policy of SBI.
I have undergone my Right Eye Cataract
Operation on 25th July 2016 & have got the
amount reimbursed within a month which
happened to be of great help to me. I would like to
thank you & your colleagues for the guidance
which was provided in your magazine. The
magazine has been providing us the needful
information from time to time regarding the policy
matters in systematic way. This Policy worked as
a blessing for people like us who has retired
through the Exit Policy.
May I get the information of the people who
introduced this scheme & who took so much of
efforts towards making this scheme more
effective for us?. I would like to thank them for
introducing such a useful scheme.
We would like if SBI provides us the detailed
brochure containing all the detailed information of
policy covers. It would be of great help if the
information could be given in regional language
for which the people like us who are not techno
savvy and for subordinate staff who are unable to
understand the scheme in detail.
Thanking you.
Vrushali Vijay Patkar, Goregaon (W)
Mob. No.- 9869012591
***********************************
Madam,
Thanks for your compliments and the
suggestion. The discussions for the introduction
of the FFGHI Scheme with the Corporate Centre
were done by our President, Shri S. B. Gokhale,
Mulund, (Mumbai), Shri B. G. Dandekar, (Thane),
Adviser to the Associationand the office bearers
of the Federation. Regarding your suggestion for
compiling the information in a booklet (In English
and Marathi), we advise that it has been engaging
our attention since long but we will do it once the
scheme is stabilized.
With regards.
Vilas Gandhe
Secretary, SBIPA, (Mumbai Circle), Pune.
*********************************************
5
October 2016 SAMVAD
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Court Cases
i) Refund of pension fund contribution recovered
from Officers (Pensioners and serving Officers)
ii) Interest at higher rate on the amount of refund &
iii) Cases of those who were eligible for family
pension.
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6
October 2016 SAMVAD
****************************************************************************************************We are publishing hereunder a letter Dt. 04.10.2016 in respect of FFGHIS received from SBI
Corporate Centre. We request our members to follow these instructions meticulously. - Secretary******************************************************
Dear Sir,
We have been advised by the Insurance Co. and TPAs that members are submitting domiciliary billsas and when bills are generated and the frequency of submission by the member becomes 2 – 4times a month. This has substantially increased no. of pending claims while the actual claims per
member are less than that. The TPAs and the Insurance Co. are flooded with such claims and in turn,settlement is taking more time defeating the effort of maintaining TAT. 2. In this connection, please refer Para 5.18 of Annexure-I under Management of Claims attached
with e-Circular no. CDO/P&HRD-PPFG/78/2015-16 dated 28.12.2015 wherein it has been advisedthat the claims would be settled once in a month. 3. For expediting settlement of claims and with a view to address delay complaints effectively, we
reiterate that the domiciliary claims submitted by a member should be entertained / processed oncein a month only. This will help in improving the services of the TPAs and the Insurance Co. 4. Please arrange to advise / counsel the members accordingly.
Thanks & Regards, AGM (PPG)SBI, Corporate Centre,
Mumbai022-22741661Following officials may be contacted in case of need :
United India Ins. Co.:Mrs. Neeta Singh (DM) - 9820983990, 9869230574, 9920983990 and 022-22821762Shri Sunil Walawalkar (official) - 9869002885 and 022-22821928
AnandRathi Insurance Brokers Ltd :Mr. Mirza Baig - 8291707508 and 9969500748; Ms. Ritu Sharma - 9022102078 and 022-49093039Mr. Chetan Shinde - 7045783143
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7
October 2016 SAMVAD
State Bank of India Pensioners' Association (Mumbai Circle),Pune
Pune Zonal Sub Centre
Minutes of Annual General Meeting held on 15th June 2016
The Annual General Meeting started at 4.15 p.m. at Niwara Vruddhashram Sabhagruha, Pune.
Shri Ashok Pandit, Joint Secretary, invited all the Committee Members of Pune Z.S.C. and Shri V.V.
Gandhe, General Secretary, Shri Sudhir Pawar, Joint Secretary and Shri D.A. Kulkarni, Treasurer, of
Mumbai Circle on Dias. Then the Meeting started by lighting the auspicious lamp by these dignitaries.
After presenting Ishastavan by Shri Ashok Pandit, Shri V.R. Kulkarni, Secretary, Pune ZSC, welcomed
all members present in the hall and the dignitaries. Shri Kulkarni then started the Meeting as per
Agenda, after seeking the permission from Shri Chandrakant Kulkarni, Chairmn. Shri Kulkarni,
Secretary, read out the messages received from well-wishers for this AGM.
1) To Condole the death of members: Shri V.R. Kulkarni expressed sorrow and advised that there
are 74 members who expired from the date of last AGM to 14-06-2016. Homage was paid to the
departed souls by observing two minute silence.
2) To confirm the minutes of last AGM : Shri V.R. Kulkarni requested all the members to confirm the
minutes of last AGM, published in 'Samvad' for February 2016, and suggest any additions/deletions
therein. The minutes were confirmed, unanimously with clapping of hands by all the members.
3) The presentation of Secretary's Annual Report: Shri V.R. Kulkarni presented Secretay's Annual
Report for 2015-16. He expressed gratitude towards all Committee Members of Pune Z.S.C., and
District Representatives from Satara, Sangli, Solapur, Kolhapur, Ahmednagar and Pune, centres,
where Association members and their family members are taking keen interest in attending periodical
meetings, performing cultural programmes, and helping each others in solving their problems.
4) Felicitation of members who have completed 75 years of Age: i) The programme of felicitation
of members who completed 75 years of Age during the period from the date of last AGM to 14th June
2016 was conducted, at the hands of Sarvashri V.V.Gandhe, Sudhir Pawar, and Chandrakant Kulkarni.
ii) The felicitation of members whose birthday was on 15th June 2016, was also done at the hands of
Shri V.V.Gandhe.
The above programme was compeered by Shri Ashok Pandit.
5) Reporting on the present Scenario about Pension issues: Shri V.V.Gandhe advised the gathering
about updates on the front of Federation and Association, about various court cases. He expressed
that the court matters may be concluded at an early date.
6) Biennial Election of Office Bearers of Pune Zonal Sub Centre for 2016-18: As per request by
Shri S.G. Rabade, the Election Officer, Shri V.V. Gandhe, presented the results of the Biennial Elections
of Office Bearers for 2016-18 as under :
Shri C. P. Kulkarni : President
Shri V. N. Kulkarni : Vice-President
Shri A. S. Pandit : Secretary
Shri P. H. Chate : Joint Secretary
Shri A. V. Konarde : Treasurer
All the members in the Meeting hall, welcomed, and congratulated above elected office bearers
by giving them a big hand.
8
October 2016 SAMVAD
7) Problems relating to FFGHI Scheme :
Following Representatives were present. They were welcomed by Shri Chandrakant Kulkarni,
President.
Mr Sinha, V. P. ARIBL, Mr. Abhijit Phadtare, Representative, ARIBL, Mr. Amir Khan Inamdar
Senior Manage, PHSPL,(TPA).
The difficulties regarding the new FFGHI Scheme, were expressed by many members. The
problems were summarized by Shri Ashok Pandit and put in nut shell as follows :
a) Medical ID Cards not yet received.
b) No indication on Cards about 'B' Policy.
c) TPAs are, many times, not available on telephone.
d) Domiciliary Treatment Bills submitted in March/April 2016 neither sanctioned, nor returned.
The TPA is unable to inform whether the respective bill is returned, for any reason. It is required
to be advised to the concerned Insurer, by SMS on his mobile phone.
e) For Cashless treatment, for admission of Insurer in the Hospital, no proper guidance is quickly
available on phone which causes more difficulties to our members.
f) Bills related to alternative treatment, e. g. Ayurved, Homeopathy are not sanctioned.
Shri Sinha, V. P. of ARIBL promised that Medical ID cards will be issued with priority and pending
bills will be settled fast. However a large number of members were not satisfied with the replies given
by the above officials.
8) Bank's Pensioners Meet: At this juncture, SBI Zonal Office functionaries arrived in and Bank's
Pensioners Meet was conducted by them.
The Dry Fruit boxes were distributed to all members.The Meeting was concluded after extending
vote of thanks by Shri V.N.Kulkurni, Vice President.
Secretary
(V.R.Kulkarni)
************************************************************************************
The Minutes of the Bank's Pensioners' Meet of Pensioners from Zone I and Zone II was arranged
on 15-6-16, at Niwara Vruddhashram Hall.
Shri Chandrakant Kulkarni, President, welcomed Sarvashri S. R. Jalnapure, Chief Manager
(HR), Zone (I), V.V. Thakur Chief Manager, (HR), Zone (II), and Mrs. Sneha Kamble, Desk Officer,
Zone (I). Shri Thakur welcomed all the members. He narrated the steps taken by the Bank in solving
pensioners' difficulties and requested to submit problems, difficulties if any to the Z.O.
Shri Ashok Pandit, Joint Secretary, requested to approve the long outstanding Proposal of
Dispensary at Hingne (k) Branch. Shri Vinod Naik, from Pimpri Chinchwad area, requested to open
Dispensary at Pimpri, as the proposal for the same is already submitted to Z.O. Shri Chandrakant
Kulkarni advised that Golwalkar Diagnostic Centre, has been discontinued since more than two
years and there is no approved Diagnostic Centre at present. He requested to start the Centre
immediately. Shri Jalnapure, assured that all the problems will be looked into and solved at an early
date.
- Secretary
9
October 2016 SAMVAD
IN THE HIGH COURT OF DELHI AT NEW DELHI
W.P.(C) 1875/2013
FEDERATION OF STATE BANK OF INDIA AND ORS … … ... ... ... Petitioner
Through : Mr. Vidya Sagar and Mr. Debesh Panda, Advocates.
versus
THE UNION OF INDIA AND ORS … … … … … … ... ... Respondent
Through : Mr. Shreya Sinha and Mr. Kavindra Gill, Advocates for R-1.
Mr. Rajiv Kapur, Advocate for R-3 & 4.
CORAM :
HON'BLE MR. JUSTICE SANJIV KHANNA
HON'BLE MS. JUSTICE SUNITA GUPTA
O R D E R
14.09.2016
Counsel for the parties have obtained instructions and state that they have no objection to this Bench
hearing the writ petition. It is not possible to take up the matter for hearing today as 13th September, 2016
was declared holiday and the matters relating to 13th September, 2016 are also listed today.
Counsel for the petitioner states that there has been non-compliance of the interim orders. Counsel
for the respondents disputes the said version and submits that they have filed the necessary documents.
The issue is left open, and if required would be examined on the next date.
Relist on 8th November, 2016 at the end of the board.
SANJIV KHANNA, J.
SEPTEMBER 14, 2016 SUNITA GUPTA, J.
*****************************************************************************************************
10
October 2016 SAMVAD
Do not forget to furnish Life Certificate to the Bank during November every yearThe Life Certificate can be furnished to any branch of State Bank of India, even in foreign countries.
Kindly note following instructions in respect of submission of Life Certificate************************************************
The Bank has issued instructions vide e-Circular No. CDO/P&HRD-PPFG/29/2011-12 dt. 3rd June2011 to furnish Life Certificate in the following format. We reiterate the instructions as under :
1) To make it mandatory for all IBI/SBI/SBS/SBIN Pensioners and Family Pensioners to furnish lifecertificate in the month of November each year on the prescribed format, failing which pension will bestopped two months thereafter i.e. from the month of January.
2) Life certificate in the physical form may be submitted in the prescribed format by the pensioner /family pensioner not necessarily to the home branch where his / her pension account is maintained but toany branch. The acknowledgement of having received the Life Certificate will be issued to the pensioner /family pensioner by the Branch where the Life Certificate is submitted. After receiving the Life Certificate thebranch (Home / Non Home) will verify the signature / thumb impression from CBS and update the same inthe related HRMS site. Life Certificate can be updated in the HRMS site by any officer of the branch.
3) When Life Certificate is submitted at a Non Home Branch, after updating the record in HRMS, thebranch shall forward the original Life Certificate to the Home Branch and retain a copy of the same for theirrecord.
*****************************************************************************************Federation has sought clarifications from the Bank in respect of submission of Life Certificate by
those pensioners who happen to be in foreign countries during November. It is clarified that the Life Certificatecan be furnished by such pensioners (i) to any branch of State Bank of India OR (ii) any other Indian PublicSector Bank located in that country OR (iii) arrange for obtaining their Life Certificate attested from anauthorised official of the Embassy / High Commission of India or Counsel of India. After obtaining the LifeCertificate duly attested as mentioned above, the pensioner may forward the same to their Pension-paying
Branch immediately in November itself to avoid stopage of pension.
------------------------------------------------------------------------------------------------------------------------------
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11
October 2016 SAMVAD
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12
October 2016 SAMVAD
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13
October 2016 SAMVAD
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26/16
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14
October 2016 SAMVAD
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_mPm ~H$am Ho$bm Amho.''
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(nVr-AmJ{VH$ hmoD$Z) ""AJ§ AmVm {H$Vr doim gm°ar
åhUy?'
15
October 2016 SAMVAD
VodT>çmV _mJÀ`m bmB©ZrVrb àojH$ ~S>~S>bm.
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(nVr _mJo diyZ Ë`m àojH$mH$S>o WmoS>o amJmZo ~KVmo.)
""Aao Omoí`m Vy?''
Aao _Ü`m Vy hmo ! VarM åhQ>b§ AmdmO Oam AmoiIrMmdmQ>Vmo ""_r Oam CeramM Ambmo, Ë`m_wio Vw_Mr OmoS>r {XgbrZmhr.''
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Omoer - ""Zmhr ao!''
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Omoer - ""hmo Z§! nU _r Ë`mbm gmoS>Uma Zmhr.''
(OmoerÀ`m eoOmaMm àojH$) AmVm Vwåhr Vw_Mo S>m`bm°JAmQ>monVo ¿`m. ZmQ>H$ g§në`mda 2 am A§H$ gwê$ H$am VyV© ZmQ>H$
~Km! Am{U Amåhmbmhr ~Ky Úm!
51/16
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àË`oH$ A§H$mVrb "g§nmXH$s`' AJ«boI{dMmanyU©, _m{hVrnyU©, kmZdY©H$ AgVmo.
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H$m Ago Z{e~mV ImoQ>o
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16
October 2016 SAMVAD
{Xdmir Z§Va Hw$R>oVar ~mhoa Om`Mo Agm AJmoXaM ~oV nŠH$m
Ho$bm hmoVm. {XdoAmJa _mÂ`m{edm` Hw$UrM ~{KVbo Zgë`mZo
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{dlm§Vr KoD$Z Xwnmar Mma dmOVm h[ahaoœabm OmÊ`mgmR>r {ZKmbmo.
gìdmnmM dmOVm VoWo nmohmoMbmo. _§{XamV JXu Zgë`m_wio XodXe©Z
CÎm_ Pmbo. bJoMM ~rMda Jobmo. A§Yma nS>m`bm gwédmV Pmbr
hmoVr. åhUyZ ~rMdê$Z bdH$a {ZKmbmo. nmdgmMo ~marH$ W|~
nS>m`bm bmJbo hmoVo. Ë`m_wio Cera Z H$aVm {XdoAmJaMr dmQ>
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Ago _wXñgabm {dMmaë`mda {dZ_«VoZo H$mhr ZH$mo åhUyZ
17
October 2016 SAMVAD
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18
October 2016 SAMVAD
KS>mù`mV nmM dmObobo nmhÿZ AbH$mZo {eè`mgmR>r adm^mOm`bm KoVbm. XrnH$bm gmOyH$ VwnmVbm {eam åhUOo OrdH$s àmU! Amë`m Amë`m Amnë`m hmVMm {eam Am{U _gmbo mV~KyZ Vmo {H$Vr Iyf hmoB©b, øm H$ënZoZoM AbH$m _ZmVë`m _ZmVgwImdbr. Vg§ ~Km`bm Job§ Va, AbH$mMm ~mbdmS>rVrb{e{jHo$Mm. VwQ>nw§Om nJma Am{U XrnH$À`m A{Z`{_V ZmoH$ar_wion¡í`mÀ`m MUMUrV, g§gmamMm JmS>m MmbdVmZm {VMm Ord_oQ>mHw$Q>rbm Ambm hmoVm. AmO Ë`m§Mm b½ZmMm dmT>{Xdg Agë`m_wioË`m XmoKm§À`m Am wî`mVrb EH$ AZmoIm {Xdg hmoVm. KaÀ`m Am{W©H$n[apñWVr_wio AZoH$ df} Ë`m§À`m b½ZmMo dmT>{Xdg AgoMEH$_oH$m§gmR>r H$m` H$ê$? H$m` oQ>dñVy XoD$? Aer ZwgVr dMZoXoÊ`mVM Jobr hmoVr. H$mQ>H$ga H$aV _{hZm aoQ>VmZm nwT>rb dfuZŠH$s EH$_oH$m§gmR>r H$mhrVar oQ>dñVy AmUyZ gmOam H$ê$`mAgo åhUV AmZ§XmZo Vmo {Xdg Vo gmOam H$arV AgV. Joë`mMdfu b½ZmÀ`m dmT>{Xder oQ>dñVydê$Z Xadfuà_mUo AemMAmUm^mH$m Pmë`mMr AmR>dU AbH$mbm Pmbr. KamV H$m_ H$[aVAgVmZm AbH$mMo _§JigyÌ AmoKdb§ hmoV§, Vo ZrQ> OmoS>Ê`mgmR>rEH$m gam\$mÀ`m XwH$mZmV Vo Jobo hmoVo. Ë`mdoir XwH$mZmVrbhaVèhoMo Xm{JZo ~KyZ AbH$mMo S>moio {XnyZ Jobo hmoVo. Xm{JZm{dH$V KoÊ`mMr Hw$dV Zgë`m_wio S>moio ê$Z nmhÿZ Amnë`mbmH$gm emo bm AgVm, EImXm Xm{JZm ZwgVm hmVmiU§ hoM gwI_mZyZ Vr Amnë`m _ZmM§ g_mYmZ H$ê$Z KoV hmoVr. Xm{JZoÝ`mhmiVm Ý`mhmiVm {Vbm EH$ gw§Xa ZmOyH$, gwdU©\y$b {Xgb§.{VÀ`m ZOaoV Vo EdT>§ ab§ H$s hmVmV KoD$Z Vr nwZ… nwÝhm qH$_V{dMmê$Z Vo Jm|Om[aV hmoVr. XrnH$Zo Ë`mdoir hgV hgV åhQ>b§hmoV§ H$s, ""nwT>À`m b½ZmÀ`m dmT>{Xdgmbm _mÂ`mH$Sy>Z Vwbm Ag§MgwdU©\y$b oQ> XoB©Z hm _mPm dmXm Amho. na§Vw AmVm Vy bdH$aZrK. VwÂ`m OrdmMr Mmbbobr Kmb_ob _bm ~KdV Zmhr.'' AgoAZoH$ àg§J Ë`m§À`m Am wî`mV Ambo hmoVo, na§Vw H$Yrhr, Ë`mXmoKm§Zrhr Hw$aHy$a Z H$aVm g§gmamMm JmS>m AmZ§XmV Mmb{dbm hmoVm.H$_©-Y_© g§ moJmZo {JaJmd gma»`m n[agamV d{S>bmonm{O©V EH$mMmirV Imobr H$m AgoZm, Ë`m§Mr ñdV…Mr Aer dmñVy hmoVr. OrdZgwI-Xw…ImZo abobo Agbo Var Z¡amí` Xya H$arV Ë`m XmoKm§ZrhrAmnë`m _ZmMo ñdmñÏ` OmUrdnyd©H$ OnyZ R>odbo hmoVo!
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19
October 2016 SAMVAD
_bm _mPo ho g§nyU© bm§~gS>H$ Ho$g nyU©nUo dnZ H$ê$Z ¿ m MoAmhoV. H$maU _bm VmËH$mi nmM hOma én`m§Mr JaO Amho.'' hogm§JVmZmgwÕm {VÀ`m _ZmMm Xw~ionUm H$mob_Sy>Z Vr gX²J{XV PmbrhmoVr. {VÀ`m S>moŠ`mdaMo Vo bm§~gS>H$, _wbm`_, H$mio moa Ho$g ~KyZ,Ë`m _¡ÌrU hoAaS>ogabm _ZmVyZ O~aXñV hþahþa dmQ>V hmoVr na§VwEdT>çm bm§~gS>H$ Ho$gm§À`m _mo~Xë`mV {_iUmè`m _moR>çm \$m`ÚmMm,Y§ÚmÀ`m Ñï>rZo {dMma H$ê$Z {VZo PQ>nQ> nwT>rb hmbMmb gwê$ Ho$br.Am`Vr MmbyZ Ambobr g§Yr gmYÊ`mgmR>r, Vr CVmdri Pmbr Am{UbJoM AÜ`m©VmgmVM Ë`m hoAaS>ogaH$Sy>Z n¡go KoD$Z Vr {OWo {VZonmhÿZ R>odbobm hmoVm Vmo gwaoI gmoÝ`mMm nÅ>m KoÊ`mgmR>r gmoZmamÀ`mXwH$mZmV Jobr. XrnH$gmR>r Ë`mÀ`m KS>çmimbm `Wm`mo½` AgmgmoÝ`mMm nÅ>m IaoXr H$ê$Z Vr Ë`mM nmdbr bJ~JrZo Kar naVbr.
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_mYd ZmS>H$Uu_mo. Z§. 9819884380
20
October 2016 SAMVAD
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gmag~mJoMm n[aga {d{dY nú`m§Zrhr JO~Obobm Amho.
Ë`mV àm_w»`mZo Am{U _moR>çm g§»`oZo {XgVmV Vo nmado.
nmaì`m§~amo~aM {M_Ê`m, H$mdio, S>mo_H$mdio, gmiw§H$s,
nmUH$mdio, Jm`~Jio, T>moH$ar, bmb~Jim, amIr YZoe, I§S>çm,
X`mi, H$mo{H$i, Hw$b~wb, qenr, amIrdQ>dQ>çm, am{ÌM§Q> ~Jim
BË`m{X njr Ñï>rgwI XoVmV. ~mJoVrb nmÊ`m_Ü o _mgo, H$mgd
VgoM nm§T>è`m N>mVrMr nmUH$m|~S>r, YZda m nú`m§Mohr Xe©Z hmoD$
eH$Vo. C§M PmS>m§da dQ>dmKwio bQ>H$bobr {XgVmV. 6 Owb¡ 2014
aoOr gH$mir ~mJoV {\$aV AgVmZm YZda (Spot filled Duck)
njr Ë`mÀ`m ghm {nbm§~amo~a nmÊ`mV {dhma H$aVmZm {Xgbm. ghm
{nbo EH$m am§JoV AmB©nmR>monmR> OmVmZm {XgUmao AH$pënV Ñî`
åhUOo EH$ AmZ§XmMr AmR>dU. Ë`mM~amo~a nm§T>è`m N>mVrMr
nmUH$m|~S>r {VÀ`m XmoZ {nbm§~amo~a ImÚ emo{YV Q>H$VmZm {XgV
hmoVr. n[agamV ImatM§hr Xe©Z hmoVo. AmdmOmdê$Z {VM§ ApñVËdhr
OmUdV§. Kyg, C§Xra, m àmÊ`m§Mmhr dmda n[agamV AmT>iyZ oVmo.
EImÚm {R>H$mUMr O¡d{d{dYVm Mm§Jbr Amho, g_¥Õ Amho `mMm
{ZH$f åhUOo Ë`m n[agamV Oa àmUr-nú`m§Mr {n„o {Xgbr Va
Vmo n[aga O¡d{d{dYVoZo g_¥Õ Amhoho AmoiIm`Mo. OrdmgmR>rÀ`m
ImÚmMr CnbãYVm Agob Va Vmo n[aga Z¡g{J©H$ ghOrdZmM§
Xe©Z KS>dVmo!
nwUo _hmZJanm{bHo$À`m CÚmZ {d^mJmZo gmag~mJoMm n[aga
{hadirZo ZQ>dbobm, ñdÀN>, gw§Xa R>odbobm Amho. AmnUhr hm n[aga
H$Mam_wŠV ñdÀN> R>odè`mM§ H$V©ì` A§Jr ~mUdy `m! gwà^mVr
{\$amd`mg oUmè`m nwUoH$am§Zm ltÀ`m Xe©Zm~amo~aM àgÝZ
{ZgJm©À`m gm{ÞÜ`mV, àXÿfU_wŠV dmVmdaUmV, earambm Am{U
_Zmbm M¡VÝ`mMm bm^ hmoVmo. gwà^mVrÀ`m ynmù`m§Mm, ŠVrJrVm§Mm
gw_Yya g§JrVmZo n[aga mabobm AgVmo. Amnb§ OJU§ CËgmhr,
AmZ§Xr hmoV§! g§V VwH$mam_m§À`m A §JmMr AZw yVr oVo Vr Aer-
"d¥jd„r Amåhm gmo ar dZMar& njrhr gwñdao Ami{dVr&&'
H$moUo EHo$ H$mir "gmag' nú`mÀ`m ApñVËdmZo g_¥Õ
Agbobm hm n[aga Ë`m S>m¡bXma nú`mMr ñ_¥Vr OnV "gmag~mJ'
`m ZmdmZo nwÊ`mM§ {ZgJ©d¡ d {Q>H$dyZ Amho. "àgÞ gH$mi'
AZw^dm`Mr Agob Va "gmag~mJ' ho CÎm_ ñWi Amho.
gmag~mJoVrb {ZgJ© ghdmgmÀ`m CndZmVrb XodmM§ _§{Xa åhUOo
em§VVm Am{U g_mYmZmMm R>odm Amho!
~r. Ho$. Hw$bH$Uu, nwUo, _mo.9822465410
21
October 2016 SAMVAD
ñQ>oQ> ~±H$ H$_©Mmè`m§À`m AZoH$ `eñdr J¥hàH$ënm§Z§VañQ>oQ> ~±H$ H$_©Mmè`m§À`m AZoH$ `eñdr J¥hàH$ënm§Z§VañQ>oQ> ~±H$ H$_©Mmè`m§À`m AZoH$ `eñdr J¥hàH$ënm§Z§VañQ>oQ> ~±H$ H$_©Mmè`m§À`m AZoH$ `eñdr J¥hàH$ënm§Z§VañQ>oQ> ~±H$ H$_©Mmè`m§À`m AZoH$ `eñdr J¥hàH$ënm§Z§Va_o. gwaoe K§Jmio Am{U ghH$mar_o. gwaoe K§Jmio Am{U ghH$mar_o. gwaoe K§Jmio Am{U ghH$mar_o. gwaoe K§Jmio Am{U ghH$mar_o. gwaoe K§Jmio Am{U ghH$mar
gmXa H$arV AmhoVVmbwH$m doëho ({_Zr _hm~ioœa) VmoaUm Am{U amOJS>VmbwH$m doëho ({_Zr _hm~ioœa) VmoaUm Am{U amOJS>VmbwH$m doëho ({_Zr _hm~ioœa) VmoaUm Am{U amOJS>VmbwH$m doëho ({_Zr _hm~ioœa) VmoaUm Am{U amOJS>VmbwH$m doëho ({_Zr _hm~ioœa) VmoaUm Am{U amOJS>
({Oëhm nwUo) {H$ëë`m§À`m gm{ÞÜ`mV({Oëhm nwUo) {H$ëë`m§À`m gm{ÞÜ`mV({Oëhm nwUo) {H$ëë`m§À`m gm{ÞÜ`mV({Oëhm nwUo) {H$ëë`m§À`m gm{ÞÜ`mV({Oëhm nwUo) {H$ëë`m§À`m gm{ÞÜ`mV11 Jw§R>çm§nmgyZ nwT>o \$m_© hmD$g ßbm°Q>
ñQ>oQ> ~±H$ H$_©Mmè`m§Zm d Ë`m§À`m ZmVodmB©H$m§ZmñQ>oQ> ~±H$ H$_©Mmè`m§Zm d Ë`m§À`m ZmVodmB©H$m§ZmñQ>oQ> ~±H$ H$_©Mmè`m§Zm d Ë`m§À`m ZmVodmB©H$m§ZmñQ>oQ> ~±H$ H$_©Mmè`m§Zm d Ë`m§À`m ZmVodmB©H$m§ZmñQ>oQ> ~±H$ H$_©Mmè`m§Zm d Ë`m§À`m ZmVodmB©H$m§Zmñnoeb 10 Q> o$ {S>ñH$mD§$Qñnoeb 10 Q> o$ {S>ñH$mD§$Qñnoeb 10 Q> o$ {S>ñH$mD§$Qñnoeb 10 Q> o$ {S>ñH$mD§$Qñnoeb 10 Q> o$ {S>ñH$mD§$Q>>>>>
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12 _{hZo {ZgJ©aå` n[aga, ^anya nmD$g
Xgam-{Xdmir {Z{_Îm ñnoeb {S>ñH$mC§Q>Xgam-{Xdmir {Z{_Îm ñnoeb {S>ñH$mC§Q>Xgam-{Xdmir {Z{_Îm ñnoeb {S>ñH$mC§Q>Xgam-{Xdmir {Z{_Îm ñnoeb {S>ñH$mC§Q>Xgam-{Xdmir {Z{_Îm ñnoeb {S>ñH$mC§Q>
IaoXrIVmModoir - 50% dIaoXrIVmModoir - 50% dIaoXrIVmModoir - 50% dIaoXrIVmModoir - 50% dIaoXrIVmModoir - 50% dCd©[aV a¸$_ g_mZ 5 _m{gH$ hßË`mVCd©[aV a¸$_ g_mZ 5 _m{gH$ hßË`mVCd©[aV a¸$_ g_mZ 5 _m{gH$ hßË`mVCd©[aV a¸$_ g_mZ 5 _m{gH$ hßË`mVCd©[aV a¸$_ g_mZ 5 _m{gH$ hßË`mV
*************************************************** 1/2 ~oS>é_Mo âb°Q>g² ~wqH$J_Ü o CnbãY ** 1/2 ~oS>é_Mo âb°Q>g² ~wqH$J_Ü o CnbãY ** 1/2 ~oS>é_Mo âb°Q>g² ~wqH$J_Ü o CnbãY ** 1/2 ~oS>é_Mo âb°Q>g² ~wqH$J_Ü o CnbãY ** 1/2 ~oS>é_Mo âb°Q>g² ~wqH$J_Ü o CnbãY *
IamS>r oWo (ZJa amoS>bm bmJyZ)IamS>r oWo (ZJa amoS>bm bmJyZ)IamS>r oWo (ZJa amoS>bm bmJyZ)IamS>r oWo (ZJa amoS>bm bmJyZ)IamS>r oWo (ZJa amoS>bm bmJyZ)**************************************************
g§nH©$ - 7507806007g§nH©$ - 7507806007g§nH©$ - 7507806007g§nH©$ - 7507806007g§nH©$ - 7507806007Am°{\$g : g.Z§. 91/1, ñQ>oQ> ~±H$ H$m°bZr, Am°{\$g : g.Z§. 91/1, ñQ>oQ> ~±H$ H$m°bZr, Am°{\$g : g.Z§. 91/1, ñQ>oQ> ~±H$ H$m°bZr, Am°{\$g : g.Z§. 91/1, ñQ>oQ> ~±H$ H$m°bZr, Am°{\$g : g.Z§. 91/1, ñQ>oQ> ~±H$ H$m°bZr, ‘am`JSam`JSam`JSam`JSam`JS’ {~pëS>§J. {~pëS>§J. {~pëS>§J. {~pëS>§J. {~pëS>§J.
CËgd hm°bOdi, nm¡S> amoS>, H$moWê$S>, nwUo - 411038CËgd hm°bOdi, nm¡S> amoS>, H$moWê$S>, nwUo - 411038CËgd hm°bOdi, nm¡S> amoS>, H$moWê$S>, nwUo - 411038CËgd hm°bOdi, nm¡S> amoS>, H$moWê$S>, nwUo - 411038CËgd hm°bOdi, nm¡S> amoS>, H$moWê$S>, nwUo - 411038doi - g§Ü`mH$mir 5 Vo 7doi - g§Ü`mH$mir 5 Vo 7doi - g§Ü`mH$mir 5 Vo 7doi - g§Ü`mH$mir 5 Vo 7doi - g§Ü`mH$mir 5 Vo 7
e{Zdma, a{ddma d gwÅ>rMo {Xder - gH$mir 11 Vo 1e{Zdma, a{ddma d gwÅ>rMo {Xder - gH$mir 11 Vo 1e{Zdma, a{ddma d gwÅ>rMo {Xder - gH$mir 11 Vo 1e{Zdma, a{ddma d gwÅ>rMo {Xder - gH$mir 11 Vo 1e{Zdma, a{ddma d gwÅ>rMo {Xder - gH$mir 11 Vo 1
22
October 2016 SAMVAD
23
October 2016 SAMVAD
24
October 2016 SAMVAD