Editor ESM Info Club

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

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

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

The table given here presents a comparative view of pension revisions under OROP-2, OROP-3, and the expected 8th Central Pay Commission (CPC) with a projected fitment factor of 1.92. The calculations include anticipated Dearness Relief (DR) and show a pension increase difference. 🔹 Key Components in the Table Abbreviation Meaning Q.S. Qualifying Service (in years) … Read more

The pensionary benefits for the families of deceased Armed Forces personnel are governed by well-defined provisions under the Pension Regulations for the Armed Forces. These provisions ensure financial support to the family or dependents after the death of the service member, whether in service or after retirement. 👪 Family Pension ✅ Eligibility Criteria: Family pension … Read more

Why Disability Pension Case of Supreme Court is Important Recently, the Hon’ble Delhi High Court dismissed the challenge filed by the Ministry of Defence (MoD) against the orders passed by the Armed Forces Tribunal (AFT) in nearly 300 cases.These AFT orders had granted disability pension to soldiers whose disabilities had been assessed as “Neither Attributable … Read more

Have you ever noticed how some people walk into a room and instantly draw attention? It’s as if their energy is contagious, their presence magnetic. Ever wondered how you could become one of those charismatic individuals? Well, the good news is that an attractive personality can be developed — with the right mindset and a … Read more

Why Renewal of ECHS Card Important ? The Central Organisation ECHS has issued comprehensive instructions vide Adjutant General’s Branch, Integrated Headquarters of MoD (Army), Delhi Cantt – Letter No: B/49711-NSC/AG/ECHS/Gen Corr Dated : 10 June 2025 regarding Annual Validation of ECHS membership for dependents (excluding spouses). Based on field feedback and administrative inputs, the new … Read more