Military Veterans Welfare
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
When will be 8th CPC Implemented ? केंद्र सरकार ने 8th Central Pay Commission (8th CPC) का गठन औपचारिक रूप से कर दिया है और इसके लिए Ministry of Finance द्वारा 03 November 2025 को Terms of Reference (ToR) भी नोटिफाई कर दिए गए हैं। Lok Sabha में 08 December 2025 को Unstarred Question No. … Read more
आज के digital era में personal data protection एक बड़ी चिंता का विषय बन गया है, खासकर Ex-Servicemen (ESM) और ECHS beneficiaries के लिए, जिनके पास कई sensitive medical और personal documents होते हैं। हाल ही में Central Organisation ECHS ने एक महत्वपूर्ण advisory जारी की है जिसमें बताया गया है कि कई unverified websites … Read more
In the digital age, personal data protection has become a critical concern, especially for Ex-Servicemen (ESM) and ECHS beneficiaries who often handle sensitive medical and personal documents. The Central Organisation ECHS has issued an important advisory highlighting the growing risks associated with uploading personal documents on unverified websites that offer free online services. This article … Read more
The Canteen Stores Department (CSD) provides a wide range of subsidized AFD-I items—such as cars, two-wheelers, and electronic appliances—to serving personnel, retired personnel, widows (NOK), and defence civilians. The entitlements vary according to rank, pay band, and category. To help beneficiaries understand their eligibility, purchase limits, and financial ceilings, this article provides a comprehensive breakdown … Read more
The ESM Info Club is a committed welfare initiative dedicated to serving Ex-Servicemen (ESM), war widows, family pensioners, dependents of armed forces personnel, and even serving soldiers. In an era where rules, procedures, and government systems are rapidly changing, the need for accurate, timely, and dependable information has become crucial for the defence fraternity. ESM … Read more
Benefits applicable to DSP Pension Account Holder Benefits under Pension Account are subject to classification of Savings Bank Account to respective Pension Account and Variant in banks system. All Customers Drawing Pension through SBI Accounts are required to apply along with proof of Pension and PPO to their home branch for conversion of savings account … Read more
It has been observed that deerness relief of some pensioners ceased by PCDA(P) after putting declaration of their re-employment. To solve this problem, while submit Life Certificate on SPARSH, must upload the certificate signed by your Office master. Format is given here . In this regard please go through the Pension Regulation for the Army … Read more
Re-employment after military retirement is common among Junior Commissioned Officers (JCOs) and Other Ranks (ORs). However, confusion persists regarding Dearness Relief (DR) on pension and pay fixation rules in Central/State Government offices, PSUs, autonomous bodies, and banks. The PCDA (Pensions) Circular No. 200 dated 12 April 2018 provides authoritative clarification on when DR is admissible … Read more
A Detailed information for awareness of Ex-Servicemen Zila Sainik Boards (ZSBs) form the backbone of welfare administration for Ex-Servicemen (ESM) and their families at the district level. Functioning as the primary interface between the veteran community and local administration, ZSBs ensure the timely resolution of grievances, effective implementation of welfare schemes, and coordination with district … Read more
A Comprehensive Guide for Eligible Students and Ex-Servicemen Families The Prime Minister’s Scholarship Scheme (PMSS), administered by the Kendriya Sainik Board (KSB) under the Ministry of Defence, Government of India, aims to support the higher professional education of wards and widows of Ex-Servicemen (ESM) and Ex-Coast Guard personnel. For the academic year 2025–26, fresh applications … Read more
The Government of India has constituted the 8th Central Pay Commission (8th CPC) to review and recommend revisions in the pay, allowances, and retirement benefits of Central Government employees and pensioners. The formation of a Pay Commission every 8–10 years ensures that government salaries remain rational, competitive, and aligned with the evolving economic and administrative … Read more
The Government of India’s Department of Pension & Pensioners’ Welfare (DoPPW) has issued a new Office Memorandum dated 27th October 2025, providing important clarification regarding the Enhanced Rate of Family Pension in cases where a Government employee passes away after retirement. This clarification addresses frequent queries and RTI applications received by the department, particularly regarding … Read more
Govt Welfare Schemes for Exservicemen On 15 October 2025, the Press Information Bureau (PIB) issued a statement confirming that the Ministry of Defence, under the approval of the Defence Minister Rajnath Singh, has sanctioned a 100% increase in financial assistance under various welfare schemes for ex-servicemen (ESM) and their dependents. This decision reflects the government’s … Read more
No more Humiliation of Army Ranks The rank structure of the Indian Army, particularly for its Non-Commissioned Officers (NCOs) and Junior Commissioned Officers (JCOs), has been a subject of discussion regarding its suitability in the modern military context and its impact on the dignity of the personnel. Ranks like Subedar, Havildar, and Sepoy trace their … Read more
Powering Modernisation Through Optimum Budget Utilisation India’s journey toward building a self-reliant and technologically advanced defence force continues with remarkable momentum. By the end of September 2025, the Ministry of Defence (MoD) has already utilised over ₹92,000 crore, accounting for 51% of the total ₹1.80 lakh crore capital outlay allocated for the Financial Year 2025–26. … Read more
Overview of ZSB The Zila Sainik Board (ZSB) functions as the district-level body responsible for the implementation of welfare measures for Ex-Servicemen (ESM), widows, and dependents of serving or deceased personnel. It also plays a vital role in resolving grievances through coordination with the local civil administration. Each ZSB covers one or more revenue districts … Read more
The Regional Sainik Boards (RSBs) and District Sainik Welfare Officers/Boards (DSWs/ZSBs) serve as a crucial link between the Armed Forces community and the State/Union Territory administration. Their responsibilities are comprehensive, spanning welfare, resettlement, public outreach, and administrative oversight. This article outlines the key duties that ensure the well-being of Ex-Servicemen (ESM), their families, and serving … Read more