Military Veterans Welfare
Editor ESM Info Club 
Job fair for Exservicemen The Directorate General Resettlement (DGR), under the Department of Ex-Servicemen Welfare, Ministry of Defence, has continued its vital mission to support the transition of military veterans into civilian careers. One of its flagship initiatives, the DGR Job Fair, aims to connect retiring and retired Armed Forces personnel with potential employers across … Read more
The Income Tax Return (ITR) filing season for FY 2024-25 (AY 2025-26) is officially underway, and this year comes with major changes that every taxpayer must pay attention to. The Government has granted a 45-day extension, shifting the due date from July 31 to September 15, 2025, due to substantial structural modifications introduced in the … Read more
Introduction Ex-Servicemen (ESM) with a graduate degree in any stream have a wide array of lucrative government job opportunities in Central and State Government departments, PSUs, and Public Sector Banks. Many of these jobs come with excellent pay scales, job security, and allowances. Here’s a detailed guide on competitive exams, post details, and exam structures … Read more
Here’s a step-by-step How-to Guide for filing a pension-related grievance on the Pensioners’ Grievance Portal (PG Portal)– 1. 📌 What Is the PG Portal / CPGRAMS? The Centralized Pension Grievances Redress and Monitoring System (CPGRAMS), also known as the PG Portal, is a 24×7 web platform run by the Department of Pension & Pensionsers’ Welfare. … Read more
Introduction: The Pension Dilemma in India India’s senior citizen population is rapidly growing, and so are their financial and health-related needs. One significant concern raised in the Lok Sabha was about the age threshold for receiving additional pension. Currently, 20% extra pension is provided only after the age of 80, but a Parliamentary Standing Committee … Read more
Introduction: Breaking the Stereotype Ask someone to picture a soldier, and most will envision a combat-ready man with a gun at the border, standing tall with the national flag in the background. That’s it—no complex machinery, no laptops, no medical tools—just a gun. This limited image is not only misleading but also detrimental. It reflects … Read more
Commutation of pension has long been a debated topic among central and state government employees nearing retirement. Many retirees wonder whether opting for commutation is financially advantageous or if it leads to a loss in the long term. This article provides a detailed breakdown—supported by calculations and examples—to help pensioners make an informed decision. What … Read more
Join Indian Coast Guard (Ministry of Defence) invites online applications for the post of Assistant Commandant (General Duty and Technical) for the 2025 recruitment cycle (Batch 2027). Interested and eligible candidates can apply online after reading the full notification carefully. This is just for information purpose. This website is not responsible for recruitment and not … Read more
Important Information Issued by Cyber Crime Cell In an alarming development, cybercriminals have devised a new and deceitful method to defraud senior citizens and pension holders under the guise of updating the Jeevan Pramaan Patra—a crucial life certificate required by pensioners to continue receiving their pensions. This article aims to inform and educate pension holders … Read more
Project NAMAN is a flagship welfare program designed to provide comprehensive support services to veterans, serving armed forces personnel, Veer Naris (war widows), and their dependents. The initiative reflects the commitment of the Indian Armed Forces towards the holistic rehabilitation, financial aid, and continued dignity of those who have served the nation. Operated under the … Read more
In a significant step aimed at strengthening Railway Security, especially in vulnerable regions adjoining India’s western borders, the Ministry of Railways has issued a policy directive allowing the re-engagement of retired RPF Constables and Head Constables, as well as contractual hiring of Ex-servicemen, Home Guards, and MSF personnel. This hybrid proposal reflects the government’s proactive … Read more
Pay Fixation in Banks for Exservicemen The re-employment of ex-servicemen in Public Sector Banks (PSBs), Reserve Bank of India (RBI), Public Financial Institutions (PFIs), and Insurance Companies is an important social and economic objective. However, inconsistent pay fixation practices across institutions led to complaints from re-employed veterans. To address this, the Department of Financial Services … Read more
Ex-servicemen (ESM) retire relatively early—well before the standard retirement age in civilian employment—making re-employment a critical socio-economic requirement. However, due to age-related limitations, they often face challenges competing in open job markets. Recognizing this, the Government of India has put in place structured reservation and age relaxation benefits to facilitate their transition into civil services … Read more
ECHS Facility is totally cashless and the members are entitled to get free treatment in empanelled hospitals and polyclinics. However, it has been observed that the empanelled hospital demands money from beneficiary. To eradicate the problem, ECHS Authority has taken significant steps as described below – On Dated: 04 July 2025 and advisory No: RCK/02/2025 … Read more
Here’s detailed infor on empanelled hospital / medical facility hubs list under the AOR (Area of Responsibility) of Regional Centre, ECHS Kolkata, covering multi/super specialty hospitals, single specialty hospitals, eye hospitals, dental clinics, and diagnostic labs: The Ex-Servicemen Contributory Health Scheme (ECHS) provides comprehensive medical care to ex-servicemen and their dependents. Under the RC ECHS … Read more
The India Post Office Savings Bank offers a variety of safe, government-backed savings schemes that cater to every age group and income level. These schemes offer fixed returns, tax benefits, and guaranteed maturity, making them an ideal choice for risk-averse investors. The updated interest rates and maturity values for Q2 FY 2025-26 (from 01.07.2025 to … Read more
The Canteen Stores Department (CSD) provides subsidized AFD (Against Firm Demand) items such as cars, two-wheelers, TVs, and ACs to eligible defence personnel. However, these entitlements are regulated by specific pay levels, cost ceilings, and periodicity rules. This article presents a complete overview of the AFD CSD Entitlements and Purchase Limits based on the latest … Read more
Commutation : A General Concept सरकारी कर्मचारियों, विशेष रूप से रिटायर हो रहे कर्मियों के बीच यह सवाल अक्सर उठता है –“क्या पेंशन का commutation कराना फायदेमंद है या नुकसानदेह?” बहुत से कर्मचारी इस बारे में भ्रमित रहते हैं। यह लेख आपके इन्हीं सवालों और शंकाओं का समाधान देने के लिए तैयार किया गया है। … Read more
Whether you are a serving soldier or a retired/ ex-serviceman, your salary or pension account with SBI can unlock a host of exclusive benefits — but only if you are aware of them. The Defence Salary Package (DSP) Account, offered by the State Bank of India (SBI) — the country’s largest public sector bank — … Read more
What is Notional Increment The concept of a notional increment on the last day of retirement (30th June/31st December) has been a topic of legal and administrative debate over the past few years. Various High Courts and the Hon’ble Supreme Court of India have delivered landmark judgments impacting pensionary benefits linked to this notional increment. … Read more