Military Veterans Welfare
Editor ESM Info Club 
If your old and original Discharge Book, which was issued during retirement, is in very bad condition and don’t have all necessary information, then you can apply to Record Office for a Duplicate Discharge Book as replacement. DOCUMENTS REQUIRED FOR REPLACEMENT OF OLD DISCHARGE BOOK 1) Personal Application. Required in 3 original copies and addressed … Read more
Background and Objective of Army Group Insurance (Extended) Benefit for Exservicemen Family The Extended Insurance Benefit 2026 has been introduced to ensure continued financial protection to defence personnel and eligible beneficiaries beyond the standard insurance coverage period. The scheme primarily aims to safeguard families of service personnel and ex-servicemen against financial hardship arising from death … Read more
Background: Role of SSC in Central Government Recruitment The Staff Selection Commission (SSC) is one of India’s most important recruitment bodies, responsible for selecting candidates for Group ‘B’ (Non-Gazetted) and Group ‘C’ posts in various Central Government Ministries, Departments, and Offices. Every year, SSC conducts multiple national-level examinations that offer job security, steady income, pensionary … Read more
70 वर्ष या उससे अधिक आयु के पूर्व सैनिक पूर्व सैनिक कल्याण की दिशा में एक और अहम कदम उठाते हुए, सेंट्रल ऑर्गनाइजेशन ECHS (Ex-Servicemen Contributory Health Scheme) ने 70 वर्ष और उससे अधिक आयु के ECHS लाभार्थियों के लिए रेफरल प्रक्रिया को सरल बना दिया है। हाल ही में जारी एक परामर्श पत्र (Advisory) … Read more
Allahabad HC: Employees Cannot Challenge Pension Terms Accepted “With Open Eyes” — Commutation Plea Rejected 1. Case Overview Retired employees of Punjab National Bank challenged the 15‑year commutation restoration period stipulated in the Punjab National Bank (Employee) Pension Regulation, 1995, arguing it should be reduced to 10 years since deductions matched the lump‑sum commutation within … Read more
देश की सेवा में अपना जीवन समर्पित करने वाले सैनिकों और उनके परिवारों के कल्याण हेतु भारत सरकार द्वारा समय-समय पर विभिन्न सहायता योजनाएँ चलाई जाती हैं। इन्हीं में से एक महत्वपूर्ण योजना है पूर्वसैनिकों(ESM) की बेटियों के विवाह एवं विधवाओं के पुनर्विवाह हेतु वित्तीय सहायता योजना, जिसे सशस्त्र सेना फ्लैग डे फंड (AFFDF) के … Read more
The Date of Birth (DOB) of a pensioner or Next of Kin (NOK) recorded in official documents plays a critical role in determining pensionary entitlements. Any discrepancy between Aadhaar, PAN, and Pension Payment Order (PPO) can lead to serious administrative complications, delay in benefits, and financial loss. Therefore, ensuring a correct and uniform DOB across … Read more
Introduction The Government of India has issued an official Press Release regarding the online and offline sale of tickets for events associated with the Republic Day Celebration (RDC) 2026. These events include the Republic Day Parade, Beating the Retreat (Full Dress Rehearsal), and Beating the Retreat Ceremony. The notification outlines ticket prices, sale dates, purchasing … Read more
The Ex-Servicemen Contributory Health Scheme (ECHS), under the Ministry of Defence, has launched a socially significant initiative titled “Project ECHS – Sewa Aur Samman” with the objective of strengthening support services for ECHS beneficiaries through structured volunteer engagement. To recognise and honour voluntary service rendered under this initiative, eligible volunteers are awarded the AWAA Certificate, … Read more
Armed Forces personnel—both serving and retired—along with their families, often travel across the country for pilgrimage, personal, or welfare-related purposes. Recognising their service and sacrifices, Hotel United House, Shirdi (Maharashtra) has extended a special concessional accommodation scheme exclusively for defence personnel and their families. This welfare-oriented initiative has been formally communicated to the Kendriya Sainik … Read more
The Army Group Insurance Fund (AGIF) is a vital financial safety net for personnel of the Indian Army. Over the years, AGIF has evolved not only to cover serving soldiers but also to extend insurance protection beyond retirement, discharge, or death, ensuring continued financial security for families. The AGIF Extended Insurance Scheme is especially important … Read more
A Landmark Judgment Upholding the Right to Life and Medical Dignity of Pensioners In a significant judgment reinforcing the constitutional right to life and healthcare, the Bombay High Court directed the Union of India and the Central Government Health Scheme (CGHS) to fully reimburse a retired Central Government pensioner for a life-saving heart transplant surgery. … Read more
Background: What is Pension Commutation? Under the Central Civil Services (Commutation of Pension) Rules, 1981, a government servant (including defence civilian pensioners and similar categories) is allowed to commute up to 40% of his pension. This system is widely used by pensioners, including many Ex-Servicemen (ESM), to meet post-retirement financial needs such as housing, medical … Read more
The Ex-Servicemen Contributory Health Scheme (ECHS) has officially announced its Recruitment Drive for 2026, opening up 175 contractual vacancies across medical, paramedical, technical, and administrative categories. This recruitment drive is a significant opportunity for Ex-Servicemen (ESM), retired defence personnel, and qualified civilian medical professionals who wish to serve the veteran community while continuing their professional … Read more
Gratuity Rules and Recent Changes Gratuity is a statutory retirement benefit paid in recognition of long and continuous service. For Ex-Servicemen (ESM) who retire from the Armed Forces and later join civil employment (Central/State Government, PSU, Autonomous Bodies, Banks, etc.), a long-standing question arises: Is an Ex-Serviceman entitled to gratuity twice—once for military service and … Read more
An Official Initiative by Rajya Sainik Board, Govt. of West Bengal ( এই নিবন্ধের শেষে বাংলা অনুবাদ দেওয়া হয়েছে) The Rajya Sainik Board (RSB), Government of West Bengal, under the Home & Hill Affairs Department (Defence Branch), has issued an important directive to ensure wide dissemination of key financial, livelihood, and credit-linked schemes among Ex-Servicemen … Read more
DO NOT IGNORE THESE — CHECK NOW Retirement from defence service is not the end of responsibilities—it is the beginning of documentation-driven survival for your family.Thousands of widows and dependents face pension stoppage, legal battles, and financial distress not because rules are harsh, but because basic post-retirement formalities were ignored. This article analyses 25 most … Read more
In a significant step towards improving healthcare accessibility for defence personnel and ex-servicemen, the Ministry of Defence (MoD), Government of India, through the Kendriya Sainik Board (KSB), has issued an official communication regarding the launch of tele-consultation services through the E-SeHAT portal/app. This initiative aims to provide online medical consultations and medicine delivery under the … Read more
Insurance & Financial Preparedness Term Life Insurance Serving personnel must purchase a Term Life Insurance policy before retirement, as most insurers do not offer term insurance post-retirement. Early coverage ensures long-term financial security for dependents. Term insurance costs a little. Identity & Nominee Verification Ensure that Name, Date of Birth, and Dependent details are exactly … Read more
Background and Issuing Authority The Directorate General of Medical Services (Army) under Integrated Headquarters of Ministry of Defence (Army) has issued an official communication vide Reference No. B/78542/MPRS (O) dated 31 October 2025. The letter has been circulated to all major medical formations, including Southern, Northern, Eastern, Western, Central and Southwestern Commands (Medical), as well … Read more