Visit us at : www.sbipensionerspune.org e-mail : sbipenmumbai@yahoo.com

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- dg§V YwnH$a,«_UÜdZr - 9158007831

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g§dmX Price 3/-

July 2011 SAMVAD

2

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- goH«o$Q>ar

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- goH«o$Q>ar

July 2011 SAMVAD

3

We reproduce hereunder the Notice of our ensuing AGM dt.31-07-2011with certain additions at the end as regards quorum.*******************************************

State Bank of India Pensioners’ Association(Mumbai Circle), Pune

“Anubandh”, Building No.B-2, 4th Floor, Block No.16Near Ramkrishna Math, Sinhagad Road, Pune - 411030

e-mail : sbipenmumbai@yahoo.com

Notice: 2010-2011 Date : 15th June 2011

37th Annual General Meeting

The Managing Committee of the Association in its meeting held on 6th June 2011 hasdecided to hold the 37th Annual General Meeting of the Association at 10.00 a.m. on Sundaythe 31st July 2011 at “Radhika Sanskritik Sankul”, 117 Budhwar Peth, Radhika Road,Satara - 415001 (Phone No.02162/235758) to transact the following business. All the membersare requested to make it convenient to attend the meeting.

AGENDA

1. To condole the death of Bank’s Pensioners/Family Pensioners/Associate Members whose

names have been reported to us after 12th July 2010.

2. To confirm the Minutes of the last Annual General Meeting held on 12th July 2010 whichwere printed in “SAMVAD” for September 2010.

3. To felicitate Chief Guest and other dignitaries.

4. To present the “Late Shri.L.N.Pabalkar Memorial” Gold Medal

to Shri.V.R.Punekar, Pune

5. To approve the audited Financial Statements for the year ended 31st March 2011.(copies attached)

6. Report of the Managing Committee for the year 2010-2011 to be read, discussed andadopted. (Copy of the report attached)

7. President’s Address.

8. Any other matter with the permission of the Chair.

R.N.Lalingkar Secretary

N.B. :- If there is no quorum at 10.00 a.m. the meeting will be adjourned and the adjournedmeeting will start after half an hour and will proceed as per the above Agenda for which noquorum will be necesary.

- Secretary

July 2011 SAMVAD

4

Some Corrections in the Notes on Financial Statements as on 31-03-2011published in 'SAMVAD for June 2011

Assets side of the Balance Sheet :On page 18 - Item Flat at Goa :- The heading should be "Premises at Pune, Mumbai &Panaji (Goa)'.

Under Expenditure : Meeting Expenses -On page 20 - The headings in the Table/Columns should be as under.i) Under 'Total Expenses' (column 2) the 'Donation' word should be removed.ii) The heading of the third column should be as under -

'Less - Reimbursement from Bank and AGM Donations'iii) The Heading of the fifth column should be - 'Total reimbursement'iv) The Heading of the sixth column should be - 'Net Expenses'

Under Balance Sheet : Item No.3 - Advances & Deposits -On page 21 :- Item No.2 - Depreciation : The increase over last year's amount of Depreciation

should be Rs.1,47,476/- instead of Rs.1,37,476/-.On page 21 :- Under 'Income tax - TDS Rs.14,901/- (last yesr - Rs.77,388/-)

The amount of refund of TDS should be Rs.69,680/- instead of Rs.61,767/-On page 22 : Legal Fund: The last year's figure should be Rs.65,660/- instead of Rs.65,650/-

The errors are regretted.- Secretary

****************

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- goH«o$Q>ar

July 2011 SAMVAD

5

Attention All the Members1) It is informed by the PPG Dept., Mumbai LHO that about 2800 pensioners/familypensioners have not yet furnished the 'Life Certificate' to the pension-paying branch(i.e.-Home Branch) till this date. If such pensioners/family pensioners donot furnish the'Life Certificate' by going to the pension-paying branch or to any nearest branch (videe-Circular No.Circular No. : CDO/P&HRD-PPFG/29/2011-12 dt.3rd June 2011) thepayment of pension to such pensioners/family pensioners will be stopped withimmediate effect.

Therefore, all the pensioners/family pensioners are requested to verify from thepension-paying branch whether the Life Certificate furnished by them in November2010 has been recorded properly in the system, so as to avoid non-credit of pension totheir pension account in due course. For those who have not yet furnished LifeCertificate are requested to do so immediately.2) For those who retired after 1-11-2007 (i.e - 9th Bi-partite retirees) : Pensioners whoretired on or after 1-11-2007 are requested by the Bank that they should advise in writingto the Bank whether they wish to commute their Pension (as per extant rules). If anybody do not wish to commute the pension, they are also requested by the Bank toadvise in writing that they do not wish to commute the pension. This advise, whether'Yes' or 'No' (regarding Commutation) should be sent by all the pensioners who retiredon or after 1-11-2007 (i.e.- 9th Bi-partite retirees only).3) PAN Number :- All the pensioners and family pensioners are requested to furnish

their PAN Number to their pension paying branch immediately.

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July 2011 SAMVAD

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Dear Friends,Many of you are aware that our beloved leader Shri B.G. Dandekar, Adviser to the Federation of

SBI Pensioners' Associations (FSBIPAs) had joined the SBI Pensioners movement immediately afterretiring from the Bank in March 1987. He has devoted his last more than 24 years towards SBIPensioners' problems and has ceaselessly worked for the cause of SBI Pensioners. He is a doyen ofpensioners' movement and has acquired so much expertise of the subject that even Bank Authoritiesat Corporate Centre unofficially ask his opinion on various problems of Pensioners. This is becauseShri Dandekar has a fund of information and records which at times the Bank authorities find it difficultto fetch from Bank's files. Looking to the following achievements of SBIPA, Mumbai Circle and FSBIPAsmade during the last 25-30 years for which the Lion's share of credit goes to Shri Dandekar. You willget a clear cut picture about the matter.

We have, however, recently observed that some disgruntled and misguided elements from ourmembers are trying to malign the image of Shri.Dandekar and our Association/Federation by circulatingsome objectionable circulars/letters among the members. I am sure that majority of members wouldnot get carried away by such malicious propaganda. We give here under the various achievements ofSBIPA, Mumbai Circle and FSBIPAs.

V.M. Gokhale President

***************************************************Federation of SBI Pensioners' Associations

Some of the benefits achieved by theAssociation (Mumbai Circle) and Federation

1) Statutory Gratuity - SBI was reluctant to pay the Statutory Gratuity. However due to efforts of ourMumbai Circle Pensioners' Association the same was paid, with delay of five years. Therefore,Circle Association claimed interest on the amount, but the Bank refused to pay the interest.Hence Mumbai Circle Association filed writs in Mumbai and Nagpur Bench of Mumbai HighCourt. Only thereafter, prior to Court decision, Bank agreed to pay interest as demanded bythe Association. (this was prior to 1983)

2) Income Tax - At the request of Mumbai Circle Association the Government of India permittedthe Bank's pensioners to avail themselves of the benefit of standard deduction while computingtaxable income as is done in the case of serving employees.

3) Due to constant efforts of Mumbai Circle Association for over three years, the Bank announcedin June 1977, payment of D.A. to Bank's pensioners at par with Government Pensioners w.e.f.1-1-1973. (prior to IV Pay Commission Report).

4) 19-7-1983 - Refund of officers contribution to Pension Fund.As per Sastry Award, recovery of Pension Fund contribution from Award Staff was stoppedw.e.f. 1-7-1955. Bank also stopped the recovery from officers. However Government of Indiaobjected to this stating that the decision of Sastry Award is not applicable to officers. ThereforeBank again started to recover the Pension Fund contribution from officers w.e.f. 1-7-1955.Mumbai Circle Pensioners' Association filed a W.P. No. 3136 of 1982 in Mumbai High Courtrequesting for refund of pension fund contribution recovered only from officers from 1-7-1955to 31-3-1968. This Writ was decided in our favour as per "oral judgment" dated 19-7-1983.Thereafter, we were again required to file another W.P. in Mumbai High Court for claiminginterest on arrears at 12% p.a. The court directed to the Bank to pay interest @ 9% p.a.Accordingly, the officers received the refund of Pension Fund contribution with interest @ 9%p.a.

July 2011 SAMVAD

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5) Due to Federation's persistent efforts the Bank decided to pay minimum pension of Rs.200/-p.m. w.e.f. 1-1-1986 to all pensioners of Presidency Banks and I.B.I.

6) 25-8-1988 - Several years quantum of maximum pension viz. Rs.750/- p.m. and Rs.1,000/-p.m. (only to senior staff i.e. DGM and above) was not changed. Hence prior to 1985 ourFederation again requested the Bank/Government of India to revise the pension, introduceFamily Pension Scheme, commutation of Pension and index linked D.A. formula, etc. SBI in1986 submitted to the Government of India detailed proposal for revision of Pension Scheme.However no response was received from the Government of India (though the Chairman of SBIwas an IAS officer). Therefore, our Federation in 1987 filed a Writ Petition in the SupremeCourt and the same was admitted. Only thereafter in 1988 the Government of India approvedthe Bank's proposal with certain modifications. Main issues were as under:-(a) Pension @ 50% of average salary (12 months) if 30 years' pensionable service.

Maximum Rs.2,400/- p.m. for officers and Rs.1,300/- p.m. for Award Staff.(b) Family Pension Scheme introduced(c) Minimum Pension Rs.300/- p.m. (increased from Rs.200/- p.m.)

Modifications effective from 1-1-1987(As per Supreme Court Judgement dt. 23-2-1989, the sub-ceiling of Rs.1300/- p.m.was removed, effective date pre-poned to 1-1-1986 instead of 1-1-1987)(C.O. No. PA:CIR:130 of 25-8-1988)

7) 1988 - Those who were employed elsewhere after retirement, their pension was not paid bythe Bank, as per rules then prevailing. At the instance of our Federation this rule was droppedwith retrospective effect and hence several pensioners received sizeable arrears. (Thanks toBank's Chairman Shri D.N. Ghose, IAS).

8) 24-4-1990 - As per Federation's demand, the Bank introduced new index linked DearnessRelief formula w.e.f. 1-11-1987. This was as per formula applicable to Government of IndiaPensioners/Family Pensioners (Based on 4th Central Pay Commission's Report). As per thisformula DR was paid on full pension. Earlier DR was paid only on first Rs.500/- (C.O. No.PA:CIR:38 of 24-4-1990)

9) 13-2-1992 - At the instance of Federation, the Bank introduced the system of issuing "PensionPayment Advice" to Pensioners. All the particulars required for calculation of pension are statedin this advice (C.O. No. PPG: 6509 of 13-2-1992)

10) 13-10-1993 - Those pensioners whose basic pension was calculated on the basis of salaryscales in force prior to 1978/79 (DA Merger 100 points) got additional dearness relief (30% -maximum Rs.150/- p.m.) w.e.f. 1983/84. From 1-11-1987, this amount was merged in FDR(C.O. No PA:CIR:69 of 13-10-1993). (Earlier meagre amount ranging from Rs.5/- to Rs.14/-was approved. Federation expressed dissatisfaction hence the decision was changed asabove).

11) 11-11-1993 - As per Federation's suggestion Bank issued instructions to all LHOs to issueI.Cards to Pensioners / Family Pensioners. Uniform design prepared by Central Office wasforwarded to all LHOs. (Now the design has been modified).(CO. letter No. PPG: KPE: 4087 of 11-11-1993).

12) 13-12-1993 - At our request the benefit as stated above (item No. 10) was extended to FamilyPensioners whose family pension was calculated on the basis of salary structure in force priorto 1978/79 (C.O. No. PA: CIR: 78 of 13-12-1993).

13) 29-8-1994 - As suggested by Federation, the system of holding "Pensioners' Meets" by theBank was introduced (C.O. No. HRD: 75:2891 of 29-8-1994).

July 2011 SAMVAD

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14) 10-2-1995 - There were complaints from Members for not getting the usual medicines from theBank's dispensaries. Hence the issue was taken up with Central Office by our Federation.Therefore instructions were issued to all LHOs to do the needful, (C.O. No. PER: IR:6214 of10-2-1995).

15) 28-3-1995 - Pensionary benefits extended to employees of Banks taken over by SBI. In thisregard, Bhopal Circle Association played prominent role to get the proper decision with thehelp of late Hon'ble Shri Madhavrao Sindia (C.O. No. PA:CIR: 105 of 28-3-1995 No. ADM:SPL: 5918 of 27-1-1995 and No. CDO/ADM/20852 of 24-11-1995).

16) 12-5-1995 - After presenting some live cases, at our request the Bank agreed to extend thebenefit of additional 30% of pay (Maximum Rs.150/- p.m.) to pensioners whose pension wascalculated partly on the basis of salary scale prior to 1978/79 and partly revised scales. Thequantum to be worked out on pro-rata basis. This benefit was also extended to FamilyPensioners from that group. (C.O. No. PA: CIR: 11 of 12-5-1995).

17) 18-5-1996 - State Bank of India Retired Employees' Medical Benefit Scheme. This schemewas suggested by our Federation. After discussions with the management of the Bank, thescheme was finalized. The scheme was opened for Membership w.e.f. 1-7-1996. This is thegreatest achievement of the Federation. A separate article will be published in "Samvad" atthe earliest.

18) 28-5-1996 - The Bank accepted our suggestion of sanctioning of Family Pension whilesanctioning pension to the employee. The facility was also extended to those pensioners whoretired prior to 1-11-1993. Incidentally, this suggestion was made in Mumbai Unit's AGM. TheMeeting was attended by Top Executives of Central Office. (C.O. No. CDO/PM/CIR/13 of28-5-1996) (Unfortunately many pensioners do not check their pension payment advice wherethe Family Pension is mentioned).

19) 29-6-1996 - Following suggestions made in the AGM of Mumbai Circle Pensioners' Associationwere approved.i) Date of payment of Pension - Last but 4th working day,ii) Cheque book facility on pension account to be extended to Bank's Pensioners

20) 21-5-1997 - After the salary revision in 1992/93 wherein D.A. upto 1148 points was merged,we were representing to the Bank/Government of India to revise the pension on the principleslaid down in the Supreme Court Judgment dt. 23-2-1989. However Bank discussed the revisionin pension scheme with both the Service Staff Federations. Except the D.A. formula (whichwas also our demand) no other problems were solved to our satisfaction. Commutation Factor(C.F.) was low as compared to C.F. implemented in Government of India/RBI/ Other Banks.About Ceiling of Rs.4,250/- p.m. there was no increase in gross pension when compared withearlier ceiling of Rs.2,400/- p.m. In fact the gross pension was reduced. However this was asper the consent given by both the Serving Staff Federations (Ref. Minutes of the Meeting heldon 30-1-1995). (C.O. letter No. CDO:PM:CIR: 8 of 21-5-1997). (Above situation forced us totake the decision of filing a Writ in the Court. Accordingly, our Advocate from Chennai served anotice dt. 22-5-1998 on the Bank, the Government of India and RBI )

21) 28-1-1998 - After implementation of the above Scheme we brought to the notice of the Bankthat some employees whose last 12 months basic salary was partly in old scale and partly innew scale were affected. Therefore the Bank decided to update the salary of such employees(only officers) and then calculate the pension. (C.O. letter No. CDO: PM:CIR:45 of 28-1-1998).

22) 17-9-1998 - The pensioners started getting D.R. as per the rates applicable to staff. Howeverthese rates were not extended to Family Pensioners. Their rates were based on rates applicable

July 2011 SAMVAD

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to Family Pension of Government of India and no increase in Dearness Relief was passed onto them. This issue was, therefore, discussed with Central Office Executives. Family PensionersDearness Relief (quantum) was stagnant from 1-7-1997 to 31-12-1998. Finally suitableinstructions were issued. (C.O. letter No. CDO:PM: CIR:35 of 17-9-1998).

23) 5-11-1998 - Commutation amount should be paid to legal heirs in the following circumstances:(a) If a pensioner dies after medical examination, but before the sanction of commutation; and(b) If a pensioner dies after the commutation is sanctioned but before it is credited to his/

her pension account.The above was approved only after we pointed out "live cases". (C.O. letter No.NBG:PPG:SK:4866 of 5-11-1998).

We also pointed out another case where a pensioner applied for commutation, howeverin medical examination his age was increased resulting in decrease in C.F. In such circumstancespensioner should have right to withdraw the application for commutation. This proposal wasalso accepted by the Bank.

24) 31-10-2000 - Our Federation's Advocate served a notice dt. 22-5-1998 on the Bank/Governmentof India/RBI. Due to this Government of India directed the Bank to revise the pension w.e.f.1-3-1999 as per formula advised in Government of India letter F.No. 1/5/91/IR dated 23-2-1999.The formula is as under:-1. Employees/officers having pay upto Rs.8,500/- p.m. 50% of the pay2. Employees/officers having pay exceeding Rs.8,500/- p.m. 40% of the pay subject

to minimum ofRs.4,250/- p.m.

The above formula is applicable to those pensioners whose pension was calculated onthe salary where D.A. upto 1148 points was merged. No reason has been stated in the aboveletter, why "40%" to a few employees. Similarly when the salary scales were revised in 1992/93, why the formula is effective from 1-3-1999.This scheme was implemented as per C.O. letter No. CDO/PM/16/CIR/34 of 31-10-2000. Thoughunsatisfactory, senior most officers' pension (Basic) increased from 28.71% to 40.00% of basicpay. (Basic pension increased from Rs.4,250/- p.m. to Rs.5,920/- p.m.) This was only due toserving a notice through Advocate. Thereafter, there is no improvement and those who retiredbetween 1997 & 2002 continue to get their pension calculated on pre-revised salary. However,revision based on similar to above formula has been done in respect of all who retired after31-10-2002. Therefore, we were compelled to file a Writ Petition in the Supreme Court. WritPetition has since been admitted.

Revision of pension in respect of employees who retired after 31-10-2002 has beendone in consultation with both the Federations of serving staff.

25) 21-12-2005 - Dearness Relief - Family PensionersFamily Pensioners were being paid D.R. as per formula applicable to Family Pensioners

of Government of India though pensioners of the Bank were in receipt of D.R. as per formulaapplicable to working employees. This change was announced on 21-5-1997 and was effectivefrom 1-11-1993. We therefore, represented to the Bank that the rate of calculation of D.R. forpensioners and family pensioners should be same as is the practice in Government of India,RBI and other Banks. The Bank, therefore, agreed with our views. Finally it was decided thatw.e.f. 1-5-2005 in the case of Family Pensioners of the Bank D.R. should be calculated at therates applicable to pensioners. (C.O. letter No. CDO:PM:16:CIR:52 of 21-12-2005)

July 2011 SAMVAD

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e-CircularState Bank of India P&HRDCorporate Centre - Mumbai Sl.No.: 179/2011 - 12

Circular No. : CDO/P&HRD-PPFG/29/2011-12Friday, June 03, 201113 Jyestha 1933 (S)

All LHOs/Branches/Offices ofState Bank of India

Madam / Dear Sir,

IBI/SBI/SBS/SBIN EMPLOYEES' PENSION SCHEMESIBI/SBI/SBS/SBIN FAMILY PENSION SCHEMESSUBMISSION OF LIFE CERTIFICATE BYPENSIONERS/FAMILY PENSIONERS

At present there are no laid down instructions regarding the periodicity of submission of the LifeCertificate by IBI/SBI/SBS/SBIN Pensioners and Family Pensioners. As a result of which a largenumber of IBI/SBI.SBS/SBIN Pensioners and family pensioners are not regularly submitting their lifecertificates which may lead to wrong pension payments and also result in recovery related issues ata later date.2. The matter has been examined at Corporate Centre and it has been decided as under :

i. To make it mandatory for all IBI/SBI/SBS/SBIN Pensioners and FamilyPensioners to furnish life certificate in the month of November each year on theprescribed format, failing which pension will be stopped two months thereafter i.e.from the month of January.

ii. Life certificate in the physical form may be submitted in the prescribed format bythe pensioner / family pensioner not necessarily to the home branch where his /her pension account is maintained but to any branch. The acknowledgement ofhaving received the Life Certificate will be issued to the pensioner / family pensionerby the Branch where the Life Certificate is submitted. After receiving the LifeCertificate the branch (Home / Non Home) will verify the signature / thumbimpression from CBS and update the same in the related HRMS site. LifeCertificate can be updated in the HRMS site by any officer of the branch.

iii. When Life Certificate is submitted at a Non Home Branch, after updating the recordin HRMS, the branch shall forward the original Life Certificate to the Home Branchand retain a copy of the same for their record.

Please note to bring the contents of this circular to the notice of all concerned.

Yours faithfully,for Dy. Managing Director &Corporate Development OfficerEnclosure : Specimen of Life Certificate for pensioner

July 2011 SAMVAD

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ANNEXURE

IBI/SBI/SBS/SBIN PENSION LIFE CERTIFICATE

Certified that Shri / Smt .........................................................a pensioner of the Bank

appeared before me today and signed / affixed his / her L.T.I. below in my presence.

_______________ _______________

Signature / L.T.I. Branch Manager /Gazetted Officer

Date ............................ (Office seal)

Name of the Pensioner : ______________________

P.F.Index Number : ______________________

Pension A/c No. : ______________________

Name and Code of thePension paying Branch : ______________________

---------------------------------------------------------------------

ACKNOWLEDGEMENT

(to be given to the applicant by the Branch receiving the Life Certificate)

Received from Shri/Smt.______________________________________________

his / her Life Certificate on _____________

Date _______________

Branch _____________ Signature of the officerreceiving Life Certificate

Seal of the Branch

July 2011 SAMVAD

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lr.AmZ§X _moaoœa d gm¡.AmZ§Xr Xoenm§S>o m§Zm gwImMo dg_¥{ÕMo XrKm© wî`bm^mo hrM g{XÀN>m !

- eerH$m§V bmdUrg, gmobmnyag§nH©$ - E.E_.Xoenm§S>o, n§T>anya (_mo~mB©b - 9423775357)

Hearty Congratulations !!

Mrs.Nagalaxmi alias Radhika SandeepJoshi, daughter-in-law of our memberShri.Mukund S.Joshi, Mumbai, has won"2011 Gen. Manager Award" from I.B.M. Co.She is working in I.B.M. Co. in Australiawhere 19000 employees are working. Sheis the only employee from Australia and willbe felicitated with this award in a function tobe held in New York in second week of July2011.

Hearty Congratulations Mrs. RadhikaJoshi !!!

- Secretary

Hearty Congratulations !!

Master Rutvij Aniruddha Kanetkar,grandson of our member Shri.P.P.Kanetkar,Nagpur, has passed out the recent S.S.C.Exam with flying colours. He secured 96.18%marks. Congrats Rutvij for your excellentperformance in SSC examination !! We wishyou bright career and are sure, you will keepit up. With best wishes on behalf of ourAssociation.

- Secretary

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July 2011 SAMVAD

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14

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July 2011 SAMVAD

15

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July 2011 SAMVAD

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July 2011 SAMVAD

17

List of Members who have given Donationsduring the period from 1st January 2011 to 31st May 2011

(Donations which were not included in the last List published in 'SAMVAD'issue of January 2011have now been included in this List)

NAME AMOUNTMR.R.B.KELAWALA 10,001S.SUBRAMANYAN 10,000MR.MADHAV PRABHU 8887MR.K.K.KULKARNI 8102MR.B.A.BHENDE 7501MR.A.D.PANDIT 7500MR.G.K.SURATI 7500MRS.NAYAN PANSE 6000MR.V.K.KHADILKAR 5601MR.S.G.GIJRE 5001MR.ARUN B.JADHAV 5001MR.R.G.KUDALKAR 5001MR.C.B.BHAVE 5000MR.K.V.CHITRE 5000MR.F.F.FERNANDES 5000MR.SHRIKANT GOGATE 5000MR.D.F.LAKADAWALA 5000SMT.PADMAJA MHADGUT 5000MR.DEEPAK M.NAIK 5000SMT.SMITA R.POWLE 5000MR.H.M.RANDELIA 5000SMT.M.P.RANE 5000SMT.SHEETAL SAPRE 5000MR.G.VAIDYANATHAN 5000MR.VASANT WARTY 5000MR.MOHAN B.NAIK 4001MR.ARVIND D.MAHAJAN 3100MR.G.N.SHANBHAG 3000MR.PRAMOD K.VAGAL 2635MR.S.N.KAPADIA 2501MR.U.R.NAYAK 2501L.B.D’SOUZA 2500MR.ASHOK J.DESAI 2500MRS.SHOBHA DHOPAVKAR 2500SMT.AMITA POTDAR 2500SMT.ASAVARI SAWANT 2500MRS.REKHA P.TUMNE 2500MR.HARKISAN C.BHATE 2222MR.S.K.PHANASGAONKAR 2200SMT.MRUDULA KAPADIA 2001T.V.KYLASAM 2001MR.VIRENDRAKUMAR CHHABRA 2000MR.MUKUND JOSHI 2000MR.R.V.KATARNIKAR 2000MR.N.C.KRISHNAMURTHY 2000MR.J.J.KULKARNI 2000MR.I.A.MURZELLO 2000MR.A.J.PATEL 2000SMT.SUNANDA PATIL 2000

MR.SUHAS K.PHANASE 2000MR.SHARADCHANDRA WAD 2000MR.VONOD B.JAYAKAR 1936SMT.MANDAKINI TAMHANE 1751MR.DESHMUKH 1501SMT.S.S.PAREKH 1501SMT.PREETI D.CHAVAN 1500SMT.MRUDULA KILPADY 1500MRS.HEATHER PEREIRA 1500MR.AMARLAL RAHEJA 1500MR.M.B.SHETTY 1500MR.A.M.SHINGANAPURKAR 1500MR.NANDKUMAR VARTAK 1500SMT.SHAILA VARTAK 1500MR.R.D.VARTAK 1500MR.A.R.KORANNE 1300MR.NARAYAN K.N.NAIK 1200SMT.SHOBHA NAIK 1150SMT.RATNA LAHEJA 1111MR.A.G.PHADKE 1111MR.P.G.DESHMUKH 1100MR.V.L.DESHPANDE 1100MR.VISHWANATH JOSHI 1100MR.LAXMAN PHATAK 1100MR.PANDURANG CHOUDHARI 1010MR.VINOD Y.KALE 1010MR.P.S.LAWATE 1002MR.K.W.ACHARYA 1001SMT.VRINDA CHANDAVAR 1001SMT.JAYA DESAI 1001MR.RUDRA E.DEVAN 1001SMT.SMITA S.DHARADHAR 1001MRS.ASHWINI GOGATE 1001MR.R.S.HATTIKUDUR 1001MRS.MANEESHA N.JOSHI 1001MR.B.D.JOSHI 1001MR.P.M.JOSHI 1001MR.PRAKASH KATHE 1001MR.UPENDRA KINI 1001MR.R.G.KUDALKAR 1001MRS.LALITHA LAKSHMANAN 1001SMT.SULABHA G.MONE 1001MR.S.B.NAGARKAR 1001SMT.NILAM NAIK 1001SMT.SHUBHADA POWAR 1001MR.S.G.RAJE 1001MR.A.G.RAO 1001SMT.UMA RAORANE 1001SMT.SHAILA THAKUR 1001MR.S.A.VECHALEKAR 1001

July 2011 SAMVAD

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MR.SHASHIKANT VEDAK 1001MR.V.R.VELANKAR 1001MR.V.R.VELANKAR 1001MR.N.R.WANI 1001A WELLWISHER 1000SMT.VRINDA ADURKAR 1000SMT.VIJAYA N.AGNIHOTRI 1000MR.ULHAS L.AROLKAR 1000MR.V.R.BAVISKAR 1000MR.J.S.BHOSALE 1000MR.BHASKAR CHAWHAN 1000MR.EZIKAL CHINCHOLKAR 1000MR.N.M.CHOUDHARI 1000MR.DOMNIC J.COLACO 1000CLAUDIO A.COUTINHO 1000SMT.BRINDA D’LIMA 1000MR.S.V.DANDEKAR 1000MR.SAHEBRAO DESAI 1000MR.D.G.DESHPANDE 1000MR.N.H.P.DESSAI 1000MR.V.L.DHIMAR 1000SMT.MARINA DIAS 1000SMT.GITA S.DIWAN 1000MR.JEROME FERNANDES 1000MR.H.J.FONSENCA 1000MR.PETER A.FRANCIS 1000MR.S.V.GHADIGAONKAR 1000SMT.HEMLATA GOVANDE 1000SMT.SHILPA M.GUPTE 1000MR.ABDUL INAMDAR 1000MR.D.A.JADHAV 1000MR.M.G.JADHAV 1000MR.N.K.JOSHI 1000MR.A.K.JOSHI 1000SMT.SUCHETA JUVEKAR 1000MR.VILAS N.KAMAT 1000MR.S.K.KARAMBE 1000MR.A.M.KENI 1000SMT.RANJANA KHATKUL 1000MR.A.S.KULKARNI 1000SMT.SUREKHA M.KULKARNI 1000MR.GULAB V.KUMBHAR 1000MR.P.V.G.KUTTY 1000MR.ARUN B.MAHAJAN 1000MR.A.S.MAHAJAN 1000SMT.KAMALA MANSUKHANI 1000MR.SHASHIKANT MORE 1000SMT.SUPRABHA MUKHARJI 1000MR.P.R.NAIK 1000MR.V.N.NAIR 1000MR.D.R.NAPHADE 1000MR.SYED NAQVI 1000MR.MANOHAR NARANG 1000MR.U.S.NARKHEDE 1000

MR.S.D.NAVADIKAR 1000MR.ARUN S.NAVARE 1000SMT.MADHURI PADGAONKAR 1000MR.S.G.PAI 1000SMT.SUCHITA PAI 1000MR.S.M.PATIL 1000MR.R.K.PATIL 1000MR.NARENDRA PATIL 1000MR.B.S.PATIL 1000MR.A.L.PEREIRA 1000MR.DAYAGHAN PRABHUDESAI 1000SMT.MADHURI RANADE 1000MR.R.B.RANE 1000MR.R.H.RANE 1000SMT.HEMLATA REDKAR 1000S.SANKARAN 1000V.SEQUERA 1000SMT.S.M.SHETYE 1000SMT.PUSHPALATA SHIMOGA 1000MR.R.Y.SHIMPI 1000SMT.LATA M.TALPADE 1000MR.P.R.TAYADE 1000SMT.SHAILAJA TENDULKAR 1000SMT.VIDULA THUSE 1000DR.N.V.VYAVAHARE 1000MR.MADHAV V.RANADE 752MR.V.G.MATHURE 750SMT.JAYANTI G.VARTAK 750MR.ANTONIO MARCHON 650MR.H.A.MODI 601MR.A.B.RAUT 600MR.V.D.KULKARNI 505MR.S.G.BAKRE 501MR.S.D.BHOLE 501MR.C.D.CHAVAN 501MR.SURESH K.DESHMUKH 501MR.BHALCHANDRA V.DESHPANDE 501MR.A.S.DHURANDHAR 501MR.P.M.MUTHAL 501MR.M.PAVITRAN 501MR.S.U.SALELKAR 501MR.G.SHANBHOGUE 501MR.S.R.VELHANKAR 501MR.R.K.WAGLE 501MR.Y.D.AHER 500MR.ANIL AMBESKAR 500MR.A.S.ATHALE 500MR.S.M.BHARDWAJ 500MR.J.O.BHARAT 500MR.R.K.BHATIA 500MR.S.N.CHANDSARKAR 500SMT.I.M.G.D’SOUZA 500MR.SHRIKRISHNA DANDAVATE 500SUBHASH DATAR 500

July 2011 SAMVAD

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MR.NARESH DATE 500MR.S.S.DESHMUKH 500MR.DILIP DHAMANE 500MR.S.R.DICHOLKAR 500MR.SHIVCHARAN FOKMARE(AGM-IV) 500MR.A.V.GADGIL 500MR.S.D.GAVIT 500MR.A.M.GOKHALE 500SMT.SUJATA GUPTE 500SMT.AKSHATA HULE 500MR.D.B.INDULE 500MR.A.D.JAGTAP 500MR.A.B.JOSHI 500MR.JAGDISH JOSHI 500MR.ANAND JOSHI 500MR.V.N.KAMAT 500MR.S.K.KANADE 500MR.V.D.KARAMBELKAR 500MR.M.R.KARAMBELKAR 500MR.SUBHASH KARANDE(AGM/ADMIN) 500MR.VASANT KARANDIKAR 500MR.A.B.KARNIK 500MR.P.M.KHAMBAYAT 500MR.D.G.KOTWAL 500MR.S.B.KULKARNI 500MR.V.R.KULKARNI 500MR.S.B.LAD 500MR.M.G.LANJEKAR 500MR.PRATAP MAHALE 500MR.S.B.MALPURE 500MR.PRAKASH MASURKAR 500MR.J.J.MOGHAM 500MR.B.G.NACHANKAR 500SMT.HEMLATA NAIDU 500MR.Y.S.ORPE 500MR.V.N.PALANG 500MR.MAKARAND PANAT 500MR.ARUN R.PATANKAR 500MR.R.N.PATHAK 500MR.V.S.PATIL 500MR.SAHEBRAO B.PATIL 500SMT.SHYAMALA G.PATIL 500MR.Y.D.PENDSE 500MR.MADHUKAR V.PRABHU 500SMT.UMA S.PURAO 500MR.V.V.RAJHANSA 500MR.R.V.RAJHANSA 500MR.VINAYAK J.RANE 500MR.NAVINCHANDRA RAUT 500MR.ARVIND M.RAYKAR 500MR.VASANT K.RENAKE 500MR.E.D.SAPKALE 500MR.D.V.SARDESAI 500SMT.DOLLY SASSANI 500

SMT.MALINI SAVE 500MR.A.J.SOLANKI 500MR.R.K.SONAWANE 500MR.C.B.SONDKAR 500MR.J.D.SURANA 500MR.B.R.TAYDE 500MR.D.P.THATTE 500MR.A.S.TORASKAR 500MR.C.G.TULASKAR 500MR.R.R.UBARHANDE 500MR.A.R.VADJIKAR 500MR.J.S.VAIDYA 500MR.SHRIPAD VAIGANKAR 500MR.NANDKUMAR VEDAK 500SMT.ARCHANA VESVIKAR 500MR.D.J.VIRJI 500SMT.SANDHYA WADEKAR 500MR.V.S.WAGH 500MR.A.D.KAKIAYA 351MR.PRAMOD CHATE 301MR.B.L.BAKSHI 300SMT.VIDYA GODSE 300MR.PRAKASH M.KALE 300MR.NARIMAN MISTRY 300MR.VENKATESH N.PATIL 300MR.D.K.PATIL 300MR.E.PINTO 300MR.D.H.THORAT 300MR.N.G.GOVEKAR 251MR.V.A.KHADKE 251SMT.USHA KHANVELKAR 251MR.R.M.PANDIT 251MR.BHASKAR D.PURANIK 251MR.CHANDJI J.RANE 251MR.ATHAWALE 250SMT.S.A.KANADE 250MR.RAVINDRA LELE 250SMT.JYOTI ASHOK MEHTA 250MR.V.V.PELAPKAR 250MR.K.V.PONKSHE 250MR.SUBHASH INGALE 201SMT.PRADNYA RANADIVE 201MR.S.N.TALPADE 201SMT.MEETA A.THADANI 201MR.V.R.BELE 200MR.R.N.CHOUDHARI 200MR.HITAMAN Z.CHOUDHARI 200MR.C.COUTINHO 200MR.NORBERT D’SOUZA 200MR.S.S.DEOLE 200MR.J.T.DESHPANDE 200MR.N.S.DESHPANDE 200MR.SUHAS DHAMANKAR 200SMT.YVONE DINIZ 200

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MR.A.N.DIXIT 200MR.V.J.GAWADE 200MR.RAJAN GEHANI 200MR.MARUTI G.JADHAV 200MR.S.R.JAIN 200MR.SURESH KAMULKAR 200MR.V.D.KARAMBELKAR 200MR.S.L.KASTURE 200MR.R.P.KHARE 200SMT.SUNITA N.MANE 200MR.P.V.NAVGIRE 200MR.S.V.PAI BIR 200MR.S.S.PARANJAPE 200MR.B.P.PIRANKAR 200SMT.MINAKSHI PITAMBARE 200MR.S.P.POUL 200MR.P.V.SHIRWADKAR 200MR.G.V.SIRSAT 200MR.S.B.SURYAWANSHI 200MR.M.B.TAKLE 200MR.S.S.WALAWALKAR 200MR.HARIBHAU WANI 200MR.P.T.YEVLE 200MR.A.D.KAKAIYA 151B.KRISHNA MURTHY 151SMT.SUMITRA PRABHUDESAI 151MR.SHIVAJI K.TAWADE 151A WELL WISHER 150MR.MANUEL ABREO 150MR.BABANI ADEL 150MR.SUBHASH AMONKAR 150MR.ULHAS AROLKAR 150MR.J.O.BARNETO 150MR.ARVIND BARTAKKE 150MR.V.G.BHAT 150MR.A.R.BORDE 150MR.JUVENAL BRAGANZA 150MR.VILAS BUDKE 150MR.LADU S.CHARI 150MR.P.V.CHODANKAR 150MR.SATISH CHOPDEKAR 150MR.PAUL COUTINHO 150MR.K.K.DESSAI 150SMT.RATAN DHUME 150MR.I.H.DIAS 150MS SEBASTIANA DIAS 150SMT.RITZA FERNANDES 150MR.XISTO FERNANDES 150MR.FRANCISCO FONSECA 150SMT.N.FREITAS 150MR.MILAGRES FREITAS 150SMT.SUNANDA GHANEKAR 150MR.K.V.GOPINATHAN 150MR.S.G.HANDGOL 150

MR.Y.G.JAMADAGNI 150MR.P.N.KANEKAR 150MR.SAGAR KESHKAMAT 150MR.SHRIHARI K.KHADPE 150MR.SUHAS KHANDEPARKAR 150MR.S.KHARANGATE 150MR.PRAKASH KORGAONKAR 150MR.JAYAWANT KOSAMBE 150MR.G.D.KULKARNI 150MR.G.B.KULKARNI 150MR.GAJANAN KUNDAIKAR 150MR.GOPAL LABDE 150MR.R.V.LINGRAS 150MR.D.G.LOTLIKAR 150MR.JOSE LOURENCO 150MR.N.M.MANGESHKAR 150MR.K.MARATHE 150MR.D.D.MARATHE 150MS MARIA MASCARENHAS 150MR.P.M.MASHELKAR 150MR.P.N.MASURKAR 150MR.F.L.MENEZES 150MR.P.M.MHAMAI KAMAT 150MR.SHIVRAM MHATRE 150SMT.LHIZA MONTEIRO 150MR.RAMESH MORE 150MR.Y.B.NAIK 150MR.TULSIDAS NAIK 150MR.ASHOK NAIK 150SMT.SHRADDHA NAIK 150SMT.SUNITA NAIK 150MR.MOHAN NAIR 150MR.P.M.NARKAR 150MR.R.G.NAYAK 150MR.V.N.NAYAK 150MR.C.G.PAI 150MR.GANESH PARAB 150MENINO PEREIRA 150MR.JOSE A.PINTO 150MR.VIJAY PURASKAR 150MR.M.S.RAIKAR 150MR.K.P.M.RAJAN 150MR.C.J.RANE 150ALANKA RODRIGUES 150MR.V.N.SANKOLLI 150SMT.ELSA SANTOS 150MR.BABURAO SATAM 150MR.D.T.SAWANT 150MR.S.W.SAWANT 150MR.K.SHERLEKAR 150MR.PRADEEP SHETYE 150MR.NAIK B.SHETYE 150MR.R.D.SHEVREDKAR 150MR.A.L.SHEWADE 150

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MR.ASHOK SOIRU 150MR.DEEPAK SOLANKI 150MR.S.K.TAWDE 150MR.R.C.VEREKAR 150MR.S.G.APRADH 101MR.J.D.BOGA 101MR.SABASTIAN D’SOUZA 101MR.G.K.MATEKAR 101MR.M.M.SATHE 101MR.BHOLANATH TALPADE 101A WELLWISHER 100MR.CHANDRAKANT AMBEKAR 100MR.V.F.ASHTEKAR 100MR.R.J.BELOKAR 100MR.C.N.BENDRE 100SMT.SHEELA V.BORIKAR 100MR.N.T.BORKAR 100MR.S.G.BUCHADE 100MR.M.H.CHAKOTE 100MR.VISHWANATH V.CHHATRE 100MR.S.G.CHITAMBAR 100MR.B.L.CHOTHWE 100MR.RAMESH D.DAKE 100MR.N.J.DARANDALE 100SMT.SHANTABAI DEOKAR 100MR.P.R.DESHMUKH 100MR.S.S.DESHPANDE 100MR.M.T.DESHPANDE 100MR.DHANORKAR 100MR.M.W.DHARNADHIKARI 100MR.SATISH GAIKWAD 100MR.S.V.GANDHE 100MR.D.J.GAWADE 100MRS.VANITA D.GAWADE 100MR.C.S.GOVINDWAR 100MR.SHRIRAM INAMDAR 100MR.S.K.INAMDAR 100MR.E.Y.JADHAV 100MR.D.B.JADHAV 100MR.HANMANT JAGDALE 100MR.M.V.JAMADAR 100MR.DINKAR B.JOSHI 100MR.S.J.JOSHI 100MR.ANANT JOSHI 100MR.R.J.JOSHI 100MR.JANAKIRAM KADAM 100MR.B.R.KALYANI 100MR.K.S.KAMBLE 100MR.C.R.KAMBLE 100MR.S.R.KANCHALWAR 100MR.S.G.KATNESHWARKAR 100SMT.SWATI KHAROLKAR 100SMT.VARSHA KOKATE 100MR.W.E.KOLHATKAR 100MR.C.K.KOLI 100

MR.ARVIND K.KUKLARNI 100MR.SURESH N.KULKARNI 100MR.BALASAHEB KULKARNI 100MR.RATNAKAR P.KULKARNI 100MR.VISHWANATH Y.KULKARNI 100MR.S.T.KULKARNI 100MR.H.V.KULKARNI 100MR.G.H.KUNDKAR 100MR.R.N.LANDGE 100MR.S.M.MANJAREKAR 100SMT.LAXMIBAI MANKARI 100MR.HASMUKHLAL MODI 100MR.B.S.MUNDADA 100MR.S.R.NATEKAR 100MR.ASHOK N.NAWALE 100MR.JAYPRAKASH NIMANKAR 100MR.D.W.PANDE 100MR.MAHENDRA PARMAR 100MR.C.P.PATDAR 100MR.J.D.PATHAK 100MR.S.A.PURKAR 100MR.V.K.RACHATTE 100MR.R.M.RAJADHYAKSHA 100MR.L.N.RAMULWAR 100MR.PANDHARINATH RANE 100MR.R.V.S.RANE 100MR.A.R.RASANE 100MR.M.P.RATHI 100MR.RATANLAL SAHAY 100MR.V.S.SALUNKHE 100MR.R.D.SARODE 100MR.P.S.SATOSKAR 100MR.D.D.SAWANT 100MR.H.D.SAWANT 100MR.VIJAY G.SAWANT 100SMT.MANEESHA SAWANT 100SMT.VANDANA SAWANT 100MR.H.H.SHAH 100MR.M.J.SHARMA 100MR.M.Y.SHELAR 100MR.V.M.SHETE 100MR.S.S.SHIROLE 100MR.J.N.SONAWANE 100SMT.S.D.SURYAWANSHI 100MR.D.M.TELANG 100MR.PRAKASH V.THOSAR 100MR.D.G.TULASKAR 100MR.B.R.UPADHYE 100MR.SHIVAJI WAGH 100DR.A.B.WAGHMARE 100MR.SANJAY R.WAKADE 100MR.C.N.WANNERE 100MR.N.H.P.DESAI 50MR.L.N.MHALATKAR 50

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Regd. under RNI No. MAHBIL/2008/25425 & Declaration No. PHM/SR/63/VIII/2008 Dated 12/5/2008

SSPO Pune under Postal Concession register No. PNCW/M-144/2011-2013 Dated 10.12.2010Licence to post at Market Yard P.S.O. on 25th of each Month

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To,Printed Matter

gyMZm :gyMZm :gyMZm :gyMZm :gyMZm : 1) `m _m{gH$m§V à{gÕ Pmcoë`m coIm§Vrc _Vm§er g§nmXH$_§S>i gh_V AgocM Ago Zmhr. VgoM Om{hamVrVrc _OHw$amMr gË`mgË`Vm g^mgXm§ZrñdV: nS>VmiyZ ¿`mdr. Ë`m~m~V Agmo{gEeZ dm "g§dmX' Mo g§nmXH$ _§S>i O~m~Xma AgUma Zmhr. 2) Agmo{gEeZMo H$m`m©c`, gmo_dma Vo ewH«$dma,g§Ü`mH$mir 6 Vo 7.30 `m doimVM CKS>o AgVo. `mMr H¥$n`m Zm|X ¿`mdr. g§nH©$ XyaÜdZr H« _m§H$ : (020) 24332141Thane Office Address: A/5 Swami Siddharth CHS Ltd., S V Road, Naupada, Thane 400 602. Tel. No : 25446837

Timings : On Tuesday & Friday between 4 pm to 6 pm.

Publisher – Shri. Ramchandra Narayan Lalingkar, Secretary, State Bank of India Pensioners’ Association(Mumbai Circle),Pune has printed this magazine in the Printing Press owned by Printer – Shri.ChandrashekharDigambar Joshi, Director, Shree J Printers Pvt.Ltd., at 1416 Sadashiv Peth, Datta Kuti, Pune – 411030 onbehalf of Owner – State Bank of India Pensioners’ Association (Mumbai Circle),Pune, at “Anubandh”,Bldg.No.B2, Block No.16,Near Ramkrishna Math, Sinhagad Road, Pune – 411030. Editor – Shri. KrantisenRamchandra Athawale – address as above.

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