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1

May 2017 SAMVAD

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May 2017 SAMVAD

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May 2017 SAMVAD

SHIFTING OF PAYMENT AND PROCESSING OF PENSION FROM CENTRALISED STAFF PENSION

PROCESSING CELL(CSPPC) TO HRMS

We refer to e-Circular No. CDO/P&HRD-PPFG/22/2012-13 dated 25th July, 2012 and e-Circular No. CDO/

P&HRD-PPFG/69/2015-16 dated 9th November, 2015

2. Pension and family pension of employees of State Bank of India, Imperial Bank of India, Erstwhile State

Bank of Saurashtra and Erstwhile State Bank of Indore are being processed and paid through CSPPC,

Kolkata. It has now been decided to shift the processing and payment of pension to HRMS Department

from April, 2017.

3. From the financial year 2017-18, Pension/ Family Pension will be paid on 27th of every month by HRMS

Department. A Pension Slip will be e-mailed to the pensioner every month in his / her registered email

address.

4. The Pension/ Family Pension proposals generated through HRMS will automatically be processed for

payment in HRMS on approval at Corporate Centre. The proposals done outside HRMS due to

nonavailability of details in HRMS & data modification like arrears/recovery will be entered by PPG

Departments, Local Head Office and need not be sent to CSPPC, Kolkata.

5. Commutation amount applied with pension will be automatically paid by HRMS on pension payment

dates, however, commutation sanctioned by the appropriate authority separately will be updated by

Local Head Office, PPG Department and will be paid along with current month’s pension. Recovery on

account of commutation will be made for 15 years from the month of payment of commutation amount.

6. New link for pensioner’s data entry such as PAN & AADHAAR, Death Reporting, and Life Certificate has

been provided under the link Employee Benefits/Pension, PF & Gratuity (For Maker) and under the link

Manager Approvals/ Pension, PF & Gratuity (For Checker) in HRMS portal.

7. Manual for Pensioner’s Portal has been linked with Pensioner’s Self Service. Manual for Maker-Checker

has been linked with Employee Benefits/ Pension, PF & Gratuity. Manual for PPG, LHO will be provided

by HRMS department.

8. The Branch has to enter the details of the PAN/ AADHAAR/ life certificate/ Death Certificate submitted by

the pensioner / family pensioner by logon to HRMS Portal through maker ID (Maker can be any employee

of the branch except checker), and the approver has to approve the respective request by logon through

checker ID (Checker will be 4in1/3in1/2in1 approver and Branch Manager).

9. On receipt of report of death of the Pensioner/ Family Pensioner, the pension paying branch has to

record the “date of death” in the HRMS portal and authorize the same. This will temporarily suspend the

pension payment. Death certificate along with other documents, if any, are to be sent to PPG Department,

Local Head Office for further action such as conversion to family pension, permanently stopping pension

payment etc. In cases where death of the pensioner is reported late, recovery of excess pension paid

will remain the responsibility of the pension paying branch/ PPG Department at LHO. Payment of arrears

and recovery, if any, from pension will be updated by PPG department, Local Head Office.

10. The Pensioner can update non-financial data such as Mobile No. / E-mail ID / Communication details

through HRMS Portal and need not be advised to Branches or PPG department, Local Head Office.

(We reproduce here under Bank's Circular No. CDO / P&HRD-PPFG/5/2017-18

Dt. 13 April 2017, for information of our Members)

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May 2017 SAMVAD

11. Pension slip/ PAN/ AADHAAR can be viewed and investment details can be filled/ updated by Pensioners

through HRMS portal. Branches can also view pension slip on behalf of pensioner through HRMS Portal.

LHO PPG can also view / print pension slip.

12. Conversion of Pension into family pension, updating family details, revision of pension for non- revised

cases, and any other data correction in pensioner’s profile which cannot be done at branch level will be

updated by LHO PPG in HRMS.

13. Form-16 will be made available to the pension paying branches at the end of the financial year. Pension

paying branches will print the Form 16 and provide a duly signed copy to the pensioner. The pension

paying branches will be responsible for verifying the proof of investments made by the pensioner for tax

purposes.

14. Income tax on pension paid will be recovered& remitted to the branches in terms of the Income Tax Act.

15. For Pensioner’s, HRMS Portal user ID will be the PF Index number and default password will be

hrms@123which needs to be changed at first logon.

Please arrange accordingly and bring the contents of this circular to the notice of all concerned.

Yours faithfully,

(We reproduce here under Bank's Circular No. CDO / P&HRD-PPFG/6/2017-18

Dt. 18 April 2017, for information of our Members)

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

(Prashant Kumar)

Deputy Managing Director and Corporate Development Officer

FAMILY FLOATER GROUP MEDICLAIM POLICY (POLICY ‘B’)

INTRODUCTION OF NEW PLANS FOR Rs. 1.00 LAC AND Rs. 2.00 LAC

Please refer to Corporate Centre e-Circular No. CDO/P&HRD-PPFG/82/2016-17 dated 06.01.2017

advising renewal of the Family Floater Group Mediclaim Policy (Policy-B) w.e.f. 16.01.2017 with

certain modifications in the scheme, for a further period of one year.

2. In order to provide easier option to those pensioners including family pensioners who receive low

amount of pension, introduction of two new plans with lower rates of premium in the present policy has

been accepted by the Insurance Co. :

Plan Sum Insured Basic Service Tax + Total Premium

(Rs.) Premium (Rs.) Cess @15%

(Rs.)

I 100000 5500/- 825/- 6325/-

J 200000 8000/- 1200/- 9200/

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May 2017 SAMVAD

The above plans will run simultaneously with other plans and will be available to all eligible retirees including

new retirees. Salient features of the new plans are mentioned below:

i. Non-coverage of domiciliary treatment for any disease;

ii. Hospitalization expenses restricted to GIPSA PPN rates (standardized prenegotiated rates across

network hospitals);

iii. Room rent / ICU rent restricted to 1% and 2% of sum insured respectively;

iv. Dental treatment – RCT not covered.

v. Cost of cataract surgery limited to Rs. 25000/- only;

vi. Psychiatric & Psychosomatic Disorders not covered;

vii. Robotic surgery not covered;

viii. Ambulance charges restricted to Rs. 1000/- per trip;

ix. Transportation of mortal remains not covered

We also place a comparative chart between the scheme circulated on 06.01.2017 and the present scheme

in Annexure-I. The window for enrolment for existing retirees would be open upto 30th June, 2017.

3. Subsidy :

As the premium amount for the above two plans is very low, no subsidy will be allowed to members enrolled

under these two plans.

4. All other terms and conditions will remain same as per e-Circular no. CDO/P&HRD-PPFG/82/2016-

17 dated 06.01.2017.

5. Please bring the contents of the circular to the knowledge of all concerned.

Yours faithfully,

(Prashant Kumar)

Deputy Managing Director & Corporate Development Officer

* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *Major Changes in Policy Terms for Proposed Plans (for Rs. 1 Lac & 2 Lac) vis-à-vis

renewed policy (16.01.2017 – 15.01.2018)

Sl. Clause Policy-B (Rs. 3 Lac to Proposed Plans (Rs. 1

Rs. 25 Lac) Lac & Rs. 2 Lac)

1 Sum Insured Rs. 3.00 lacs; Rs. 1.00 lac

Rs. 4.00 lacs; Rs. 2.00 lacs

Rs. 5.00 lacs;

Rs. 7.50 lacs;

Rs. 10.00 lacs;

Rs. 15.00 lacs;

Rs. 25.00 lacs

6

May 2017 SAMVAD

2 Domiciliary treatment Covered to the extent Not Coveredof 10% of Sum Insured(15% of SI for Cancertreatment)

3 Room Rent/ICU Rent Room Rent – Rs. 5000/- Room Rent – 1% ofto Rs. 11000/- per day. Sum Insured or theICU Rent – Rs. 7500/- to actual amountRs.11000/- per day whichever is less. ICU

Rent – 2% of the SumInsured or the actualamount whichever is less

(Proportionate deductionon all charges if opted forhigher room rent).

4 Hospitalization Charges Covered Restricted to GIPSAPPN* rates

5 Dental Treatment Not covered unless Not covered unlessand/or surgery of any Kind necessitated by necessitated by

accident & requiring accident & requiringhospitalization. As a hospitalization. Nospecial dispensation special dispensationRCT is covered up to for RCT.the limit of Rs. 7500 perfamily.

6 Psychiatric & Covered Not CoveredPsychosomatic Disorder

7 Treatment of Age Related Covered Not CoveredMacularDegeneration (ARMD),Rotational Field QuantumMagnetic Resonance(RFQMR), Enhanced ExternalCounter Pulsation (EECP)

8 Any Kind of Service Covered Not Covered

Charges, Surcharges,

Admission Fees /

Registration Charges,

Luxury Tax and similar

charges levied by the

Hospital

9 Cost of Cataract Surgery Limited to the cost of Restricted up to Rs.

mono focal lens/Toric 25000 only

lens



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May 2017 SAMVAD

10 Robotic Surgery Limited to the cost of Not Covered

conventional surgery

11 Ambulance Charges Limited to Rs. 2500 per trip Limited to Rs. 1000 per trip.

12 Transportation of Mortal Covered up to Rs. Not Covered

Remains 10000

l GIPSA PPN (General Insurance Public Sector Association – Preferred Provider Network) rates generally

refer to standardization of rates for various common medical procedures. The Public Sector Insurers viz.

United India Insurance Co. Ltd., National Insurance Co. Ltd., New India Assurance Co. Ltd. and Oriental

Insurance Co. Ltd. have negotiated special package rates from many hospitals across India for a good

number of procedures commonly undergone. PPN is a network of hospitals who agree to negotiated rates

on specified procedures.



* * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * *(We are publishing hereunder a letter written by Shri R. J. Banerjee, the President, Federation of

SBIPAs to the SBI for information of the Members, the contents of which are self-explicit.)

Dy. MD & CDO, State Bank of India, 24.04.2017.

Corporate Centre, Mumbai

Respected Sir,

Re:- Family Floater Mediclaim Scheme “B”

We are grateful to the authorities for the kind sanction of a subsidy of Rs.6000/- for all policies taken bythe pensioners under Scheme ‘B’. Even though we had expectations for more assistance, by and large,pensioners are happy for the consideration.

We are also very happy that you have decided to introduce policies for Rs.2 lacs and 1 lac. This indeedis a great gesture as we have thousands of very elderly pensioners (family pensioners in particular) whosepension is around Rs.6/7000. We have, however, been dismayed that these policies have been kept outsidethe purview of subsidy. You will kindly appreciate that the people, for whom these policies are intended,deserve subsidy which would encourage them to take insurance cover. If it be the desire of the Bank thatthere has to be some personal contribution for insurance policy premiums, that can be stipulated. Deprivingthese poorly paid pensioners altogether of the subsidy would be apathetic and discriminatory. This is likelyto create a sense of frustration among the very low paid pensioners and family pensioners that the Bankhas no compassion for them. We, therefore, appeal to you for a reconsideration of the matter.

The other points in respect of the new policies which we would like to bring to your notice are that thecircular does not suggest the mode of application. Unless the present format (application) isrevised, branches might not be able to entertain the desirous applicants. Similarly, a specific datefor commencement of these policies and expiry thereof should also be indicated as had beendone in case of other policies(A&B) which will help us to approach the marginal pensioners to take apolicy.

We take this opportunity to thank you for all the endeavours made to obtain the final clearance of therecommendations of the GOI Committee on anomalies in pension.

Thanking you once again and with kind regards,

8

May 2017 SAMVAD

(We are publishing a mail Dt.25.05.2017 received from Shri Sanjay B. Lal, DGM (PM & PPG),

SBI, Corporate Centre, Mumbai, the contents of which are self- explanatory. We therefore,

request all those Members who have not renewed the Policy, can now join the Policy B till

30.06.2017.................................................. Secretary)

“Dear Sir,

As you may be aware that the ‘Family Floater Group Mediclaim Policy (Policy ‘B’) was renewed

with effect from 16/01/2017. Our Bank has initiated the following measures recently for the welfare

of the pensioners / original members of the Policy ‘B’:

(i) Subsidy of Rs. 6000/- to members:

a) A one-time subsidy of Rs. 6000/- is being provided to existing members enrolled in or proposing

to enroll for Rs. 3.00 lacs to Rs. 25.00 lacs plans to enable them to renew their membership.

b) For new members i. e those who retired after / will retire after 16/01/2017 and for whom premium

will be admissible on pro rata basis, lesser subsidy will be provided on pro rata basis.

(ii) Extension of Date for renewal of membership:

a) Last date for renewal of membership under Policy ‘B’ has been extended from 15-04-2017 to

30-06-2017.

b) For renewal of membership, full year premium will have to be paid but coverage will commence

from the date of payment of full premium and will be valid till the date of expiry of policy.

(iii) New Plans for Rs.1.00 Lac and Rs.2.00 Lacs:

a) Two new plans for Rs.1.00 lac and Rs.2.00 lacs have been introduced in the policy with premium

of Rs.5500/- and Rs.8000/- (excluding service tax) respectively. No subsidy will be admissible

under these plans.

b) The window for becoming members of these two plans would also be open up to 30-06-2017.

You are requested to bring these developments to the notice of all pensioners so that full benefits

of the developments can be availed by maximum number of pensioners.”

Sanjay B. Lal

DGM (PM & PPG) Carporate Centre

w{ZQ> dmVm©, ZmJnya w{ZQ> - "ñQ>oQ> ~±H$ Am°\$ B§{S>`m noÝeZg© Šb~' ZmJnyaÀ`m 25 _mM© 2017 À`m_m{gH$ g oV S>m°. AmH$me gmdOr `m§Zr JwS>KoXwIrda \$maer kmV Zgbobr PRP (Platelet Rich Plasma)

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g{Md, ñQ>oQ> ~±H$ noÝeZg© Šb~, ZmJnya

9

May 2017 SAMVAD

(We are publishing hereunder a letter written by Shri R. J. Banerjee, the President, Federation of

SBIPAs to the Chairman, SBI for information of the Members, the contents of which are self-explicit.

Smt. Arundhati Bhattacharya, Dt.26.04.2017

Chairman,

State Bank of India,

Corporate Centre, Mumbai.

Respected Madam,

We do not have words to express our gratitude for all you have done for the pensioners of the Bank

especially the elderly ones. We recall the days of your assignment as Dy.MD & C.D.O., when we found you

fully and thoroughly acquainted with the problems and predicaments of the pensioners. And, on your adorning

the prestigious office of Chairman, things started moving for us earnestly and fast. Even when

recommendations of the Bank were again turned down, you did not give up and we believe that the “Committee”

came because of the relentless and undaunted persuasion from your end. Ultimately your magnificent

presentation before the Committee yielded the desired result and the anomalies subsisting for the last 20/

25 years have been removed. We trust that the recommendations will be implemented as early as possible

since some more beneficiaries might breathe their last in the months to come.

This is an occasion to also recollect the Bank’s great gesture of introducing Family Floater Medical

Insurance Scheme for the pensioners where any pensioner irrespective of his rank in service can take a

combined policy up to Rs.25lacs for self and spouse. We reckon that this was possible on your kind initiative.

The subsidy granted has come as some relief in the wake of the abnormal hike in the premiums this year.

The introduction of policies for Rs.2lacs and Rs.1lac is another great consideration as the poorly paid

elderly family pensioners can now venture to consider taking some insurance cover. We have requested for

extending subsidy to these policies also which, we trust, will receive sympathetic consideration of the

authorities.

We wish to meet you on any day and time convenient to you to convey in person our gratitude and

admiration for the historical achievements. We shall wait for an appointment.

In the meantime, kindly accept our heartfelt appreciation.

With best regards,

~moardbr w{ZQ> - d•ŒmmßV Ö Eg.~r.Am` noÝeZg© ŠbMab Am°J©Zm`PoeZ Mm 2 am dYm©nZ {XZ _moR>çm

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AÜ`j, Eg.~r.Am` noÝeZg© ŠbMab Am°J©Zm`PoeZ, ~moardbr.

10

May 2017 SAMVAD

(Our case No 1875/2013 pending in High Court Delhi......In terms of the Committee’s Report in respect

of this case submitted to the GOI, we are reproducing the sanction of the GOI, received by the SBI. However,

the proposal is yet to be sanctioned by the Bank's ECCB. In this regard, we once again advise our Members

to refer to the contents of third para given on the first page of ‘Samvad’ for November 2016.

.........................Secretary)

F.No.4/8/6/2006-IR

Government of India Ministry of Finance (Department of Financial Services)

New Delhi-110001

Dated the April 20, 2017

The Chairman,

State Bank of India,

Personal Management Department Human Resources,

Corporate Centre, State Bank Bhavan,

Madame Cama Road, Mumnai 400021.

(Manish Kumar) Under Secretary to the Government of India

Subject: Pension matters of SBI – Recommendation of the Committee

Madam,

I am directed to refer to SBI’s letter number CDO/PM/ASK/1601-11/1528 dated 22.11.2016 and e-mail

dated 05.04.2017 on the subject cited above and to convey approval of the Government of India to SBI on

the recommendations of the Committee w.r.t. amendments in SBI Pension Regulations as under:

i. The extant concept of pension at the rate of 50%/40% in SBI is justified and be continued.

ii. The ceiling of Pension be raised to Rs.3,775/- p.m. w.e.f. 1.11.1987

iii. The ceiling of pension be raised to Rs.4250/- p.m. w.e.f. 1.11.1992 for Award Staff and from 1.7.1993

for officers instead of 1.11.1993

iv. The maximum amount of pension for the pay upto Rs.14,240/- p.m. shall be computed at 50% of the

pay and where the pay is above Rs.14,250/- p.m. be computed at 40% of the Pay w.e.f. 1.11.1997 for

Award Staff and 1.4.1998 for Officers. The payment of pension for the period between 1.11.1997/

1.4.1998 to 30.4.2005 be made by arriving at the corresponding stage by dividing the average basic

pay by 1684 and multiplying it by 1616 subject to a minimum of Rs.6883/- for 40% slab(=half of

Rs.14,240/- multiplied by 1616 and divided by 1684) and thereafter as computed subject to minimum

of 7120/- for 40% slab.

v. The shifting of the effective date from 1.5.2005 to 1.11.2002 for cutoff point of Rs.21,040/- is not

acceptable and the extant date may be continued.

2. SBI is requested to take further necessary action under Section 50 of SBI Act 1955.

3. This has the approval of Finance Minister. Yours faithfully

HRMS and Uploading of Life Certificate

Important message for those pensioners and family pensioners who have not received pension

for the month of April 2017 as per revised procedure effective from April 2017. Life Certificate

will now be recorded in HRMS Portal by the branch. These pensioners should approach their pension

paying branch where maker will login to the portal with HRMS ID. Maker will go to the Menu:Pension

Processing - where there is a provision for submission of life certificate - maker will submit - then

checker will authorize - after authorization the life certificate will be uploaded.

11

May 2017 SAMVAD

(We are reproducing hereunder a Circular issued by 'AIBOC' the contents of

which are self-explanatory)***************************************************************

Circular No. 2017/04 Date : 25.01.2017

Dear comrades,

AIBOC COMMITTED TO THE ISSUES OF RETIREES

CONCILIATION PROCEEDINGS SUBSTANTIATES ITS STAND

In response to a dispute raised by one of the Retirees' Organizations on 100% neutralization of DA

for pre 2002pensioners, Assistant Labour Commissioner (Central) Mumbai had called the conciliation meeting

yesterday i.e. on 24.01.2017. Since, AIBOC was made one of the respondents, Com Sanjay Manjrekar, Vice

President of the Confederationand Com. Manoj Wadnerkar, President, AIBOC Maharashtra State-1 Unit

attended the conciliation meeting. As theundersigned had to attend another urgent engagement in Mumbai

itself, we submitted our written statement which wasalready sent to the conciliation officer on 07.01.2017.

We also submitted that the issue of 100% neutralization of DA to pre-2002 retirees was one of the issues in

our Charter of Demands for the 10th Bipartite Settlement and the same alongwith other unresolved issues

of the retirees is recorded in the 'Record Note' signed by the IBA and the UFBU constituentson 25.05.2015.

It was also brought to the notice of the Presiding Officer that since subsequent to the signing of theRecord

Note there was no response from the IBA, AIBOC had raised this issue in our Strike Notices in December

2015and again in September 2016 and the Regional Labour Commissioner (Central), who had held the

conciliation meetingsin the matter has ultimately recorded the failure of talks. IBA and the Workmen Union

which were also made respondentsdid not attend the yesterday's proceedings. However, IBA has filed their

comments where in they have stated that IBAis an independent and voluntary organization and discusses /

negotiates with Workmen Unions / Officers Associationson behalf of its member banks on the basis of

mandate given by these banks and that IBA is not employer of Workmen/Officers of these banks and thus

they are not a direct party to any industrial dispute including that of the case of Retirees' Organization who

have raised the dispute. Subsequently, in a separate meeting, the Assistant Labour Commissioner(Central)

also heard the representatives of CBPRO (Co-ordination of Bank Pensioners' and Retirees

Organisations)which have also raised the issue of 100% neutralization of DA. (AIBPARC is one of the

constituents of CBPRO).

Since the issue raised by both the unions was common, the Presiding Officer decided to conciliate

in common andadjourned the case to 28.02.2017.

It needs no emphasis that AIBOC has always shown concern for the retirees and the pensioners and has

been raisingand settling their issues unlike some retired executives who did nothing for the retirees when

they were in service thoughthey had the powers but are acting as championing the cause of retirees today

when they are victims. It was AIBOCwhich kept the issue of 2nd option of pension alive and ultimately

clinched the same in the 9th BPS to the benefit of lakhsof retirees. Again, it was AIBOC which clinched 2nd

option of pension for VRS optees who were clandestinely denied thesame by IBA by wrong interpretation of

the settlement. Further, at a time when there was no credible and active all Indialevel organisation to mobilize

and represent the banks retirees and pensioners, AIBOC took the lead to form AIBPARC and mobilize and

organize the retirees and pensioners under one banner.

We once again reiterate that the issues of the retirees viz. 100% neutralization of DA to pre-2002

retirees, automaticupdation / upgradation of pension / revision in family pension and pension to the resignees

and other left outs are on thetop of our agenda and achieving the same is our goal.

With comradely greetings, Comradely Yours,

(HARVINDER SINGH)

GENERAL SECRETARY

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May 2017 SAMVAD

Unit Varta – Pune Zonal Sub-CentreShri Ashok Pandit, Secretary, Pune Zonal Sub Centre, (PZSC) has advised that, in the

Managing Committee Meeting of PZSC held on 12-05-2017, it was unanimously decided to

hold the Annual General Meeting (AGM) of PZSC Pune for the year 2016-17, at Solapur. Shri.T.M.Patil, Secretary, Solapur Unit, proposed this place and was approved by all. The AGM wouldbe held on Thursday the 29th June 2017, at 11 a.m. and the venue is, Abasaheb Killedar

Sanskrutik Bhavan, Hotagi Road, Asara Chouk, Solapur. For further details please contact:

Shri T.M.Patil, Secretary Solapur Unit: 9421025711 and

Shri A.S.Pandit, Secretary PZSC Pune : 9422316146

Shri Pandit has appealed all the Members of the Pune ZSC, to attend the AGM in large number.

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......Secretary

13

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15

May 2017 SAMVAD

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_mUgmMo Am`wî` ho AZmH$bZr` H$moS> o Amho.nXmWm©À`m Oem VrZ AdñWm AgVmV - KZ, Ðd d dm yqH$dm F$VyMH«$m_Üò Ogo nmdgmim, {hdmim d CÝhmimho VrZ F$Vy AgVmV Ë`mMà_m_o _mUgmÀ`m Am`wî`mV~mbnU, VméÊ` d åhmVmanU `m VrZ AdñWmAgVmV. XrKm©`wî`mÀ`m ~è`m-dmB©Q>mMm {dMma H$aVmZmAWm©VM åhmVmanUm~Ôb A{YH$ {dMma H$amdm bmJob;H$maU _w§JrÀ`m nmdbm§Zr gwé Pmbobo Am`wî` gemÀ`mnmdbm§Zr Ho$ìhmM g§nbobo AgVo d `m OJboë`mAm`wî`mV _mUyg {Za§Va gwImMm emoY KoV AgVmo.na§Vw "Am`wî` df© eV, Ë`mV {Z_o {ZOoboŸ& Ë`mhr{Z_oVhr {Z_o {XZ ~mX PmboŸ& dmY©Š`, e¡ednUo,Cabo {d`moJoŸ& Xw…Im_ò{M gaboŸ& gwI H$m` gm§JoŸ&'qH$dm "gwI nmhVm OdmnmS>oŸ& Xw…I nd©VmEdT>o' `mCŠVtà_mUo eodQ>r _mUgmÀ`m dmQ>çmbm Xw…IM VodT>oòVo. m VWmH${WV Xwï>MH«$mV JQ>m§Jù`m ImÊ`mgmR>rXrKm©`wî` ho emn Amho H$s `m Xwï>MH«$mbm ôXÊ`mgmR>r{_imb ob o daXmZ Amh o `mMm {dMma H$aVmZmAm`wî`mÀ`m gH$mamË_H$ d ZH$mamË_H$ ^md{dídmVyZàdmg H$amdm bmJob.

XrKm©`wî`mMr n{hbr nmàr hr Áòð> ZmJ[aH$ ho{deof Zm_m{^YmZ bm^ë`mnmgyZ åhUOo d`mÀ`mgmR>rnmgyZ gwê$ hmoVo, H$maU gmR>rZ§VaMo OJUo åhUOo~moZg Am`w_m©Z Agm gd©gmYmaU g_O Amho. d`mÀ`mgmR>mì`m dfm©n`ªV _mUgmÀ`m _hÎdmÀ`m gJù`mO~m~Xmè`m g§në`mVM O_m AgVmV Agmhr EH$ JmoS>(J¡a) g_O Amho.

_bm dmQ>V o ì`dgm`mÀ`m qH$dm Zm oH$arÀ`m{Zd¥ÎmrZ§VaM Am`wî`mV "amhÿZ' Joboë`m H$m_m§Zm IargwédmV hmoVo. _mUgmMm hm nwZO©Ý_M åhUm hdo Va!nU `mM doir ~è`mM OUm§Zm dmT>Ë`m d`mMo XS>nU`m`bm bmJVo. Xya A§Vamda AgUmè`m _¥Ë`yMr N>m`m

ôS>gmd`mbm bmJVo. AmVm _r H$mhrM H$ê$ eH$UmaZmhr, Ë`m_wio "R>o{dbo AZ§Vo V¡go{M amhmdo', [H§$dmË`mhrnbrH$S>o OmD$Z "Am wî`mV gJi§ AZw db§, XodmAmVm gwImZo S>moio {_Qy> Xo.' Aem ZH$mamË_H$ ^mdm§Mmg§àoaH$ _ZmV é§Or Kmby bmJVmo.

H$m hmoVo Ago? dmT>Ë`m d`m~amo~a _mUyg ñdV…MñdV…bm Añn¥í` H$m g_Oy bmJVmo? {e{eamVrbnmZJirZ§Va dR>boë`m PmS>mbmgwÕm nmbdr \w$Q>VoM.AZw^dmMo JmR>moS>o nmR>rda Agboë`m OrË`m OmJË`m_mUgmbm Va ZdOrdZ g§OrdZr àmá H$aUo ghOeŠ` ìhmdo; nU ~aoMXm Ago hmoV Zmhr. `mMr H$maUoemoYVmZm dmT>Ë`m d`mda n[aUm_ H$aUmè`m Am{W©H$,emar[aH$, gm_m{OH$ VgoM H$m ¡Q w > § {~H$ Jmoï>tÀ`mn[aUm_m§À`m eŠ`VoMm {dMma H$amdm bmJob.

XrKm ©` wî`mÀ`m diUmda òB ©n`ªV Am`wî`mVH$_mdbobm ~amM n¡gm _wbm_wbtMo {ejU, Ë`m§Mr b½Zo,KaIaoXr, Am¡fYmonMma B. ~m~tda g§gmamMo ahmQ>JmS>JoMmb{dÊ`mgmR>r IM© Pmbobm AgVmo. CaVo A{Ve`VwQ>nw§Or {eëbH$. ì`ñV Am`wî`mV XyadaMo àdmg qH$dmOdiÀ`m ZmVodmB©H$m§H$S>bo g_ma§^-gmohio amhÿZ JoboboAgVmV. mgmR>r AmVm doi anya AgVmo; nU Am{W©H$nmR>~i ho ~oVmMoM AgVo. eara ñdmñÏ`mMm {dMmaH o $ë`mg EImX od oir AMmZH$ _m o R > r aŠH$_CnMmamgmR>r bmJy eH$Vo. d`mÀ`m CVa§S>r~amo~aM JmÌohr {e{Wb ìhm`bm bmJVmV. ì`dgm`mV qH$dmZmoH$arda AgVmZm Z_«nUo dmHy$Z d hmV OmoSy>ZZ_ñH$ma H$aUmè`m ì`ŠVr añË`mZo OmVmZm {Xgë`mgOmUrdnyd©H$ Vwåhmbm Q>miÊ`mMm à`ËZ H$aVmV. gwZm-_wbo Ë`m§À`m ZmoH$ar-ì`dgm`mV ì`ñV AgVrb VaVwåhmbm Ano{jV doi XoD$ eH$V ZmhrV; VgoM Ë`m§À`mH$moUË`mhr {ZU©`-à{H«$ònmgyZ Xya R>odÊ`mMm à`ËZH$aVmV. AmOr-AmOmo~m qH$dm nUOmo~m Pmë`mZ§VaZmVd§S>-nVd§S>mda Anma _m`m Ho$br Var Vr ^m~S>rVw_À`mV a_V ZmhrV d Vwåhmbm doi XoD$ eH$VZmhrV. H$maU ~mo~S>o ~mob ~moby bmJë`mnmgyZM Ë`m§ZmemioV H¡$X Ho$bo OmVo; Ë`m_wio \$ŠV emim d Ë`m§Mog_d`ñH$ gd§JS>r EdT>oM Ë`m§Mo {díd {Z_m©U hmoVo,qH$dm Vw_À`mgma»`m d`mod¥X²Y _mUgm§H$Sy >Z hr

16

May 2017 SAMVAD

{M_waS>r H$m` {eH$Uma åhUyZ Ë`m§À`m nmbH$m§H$Sy>ZMË`m§Zm Vw_À`mnmgyZ Xya R>odbo OmVo. gwZm-_wbo naXoemVñWm`r ZmoH$ar-ì`dgm` H$arV AgVrb Va Vr g_ñ`mAmUIrM J§^ra hmoV OmVo; H$maU Ë`m§Zm VwåhmbmnaXoemV Ý`m`Mo ZgVo qH$dm BH$S>Mo gJio Q>mHy$ZnaXoemV OmÊ`mMr Vw_MrM BÀN>m ZgVo. AemdoirAmYma dmQy> bmJVmo (nU Vmo gwÕm ñdV…da bmXyZKoVbobm) d¥Õml_mMm qH$dm VËg_ g§ñWm§Mm. EH§$XarVdmQ>çmbm òVo Vr \$ŠV Cnojm Am{U Aghm`Vm.Amoa~mSy>Z {ZKmbobo A§V_©Z XodmMm Ymdm H$arV AgVo,"Anwbo _aU nm{hbo å`m S>moim', "Xodm _bm OdiH$a.' XrKm©`wî`mMm hm emn _bm ZH$mo Amho.

XrKm©`wfr _mUgmH$S>o nmhÊ`mMm AmOÀ`m {nT>rMmEH$ {VaH$g Ñï>rH$moZ Amho. Ë`m§À`m _Vo KamVrbÁòð> _§S>ir åhUOo hmVmV On_mi dm H$mR>r KoVbobrAm{U {Xdgâ Amam_IwMuV nhþS>bobr ì`pŠV. Zoh_rMì`mYrJ«ñV d namdb§~r Am{U ñ_¥{V^«§e Pmbobr d{MS>{MS> H$aUmar ì`pŠV. gwI-Xw…I, amJ-bmo^ m§À`mnbrH$S>o Jobobr Am{U {ZU©`j_Vm hadbobr ì`pŠV.gmam§e, Aem ì`pŠV åhUOo Ë`m§À`m Am`wî`mVrbAS>JiM. hr AS>Ji AJXr AbJXnUo gVV ~mOybmH$er R>odVm òB©b hmM {dMma Ë`m§À`m _ZmV S>moH$mdVAgVmo. Ë`m§À`m øm (A) {dMmambm N>oX XoVm òB©bH$m? ZŠH$sM `m àíZmMo CÎma hmoH$mamWu Amho.

ZmÊ`mbm Oem XmoZ ~mOy AgVmV AJXr VemMMT>-CVmamÀ`m XmoZ q^Vr _mUgmÀ`m Am`wî`mV AgVmV.ZH$mamË_H$ ^mdZm§Zm OmJrM JmSy>Z gH$mamË_H$^mdZoZo OrdZmH$S>o ÑîQ>rjon Q>mH$bm Va {ZpíMVMAm`wî`mV g¥OZm§Mo A§Hw$a \w$Q>y bmJVrb d OrdZd¥j~haob. E|er ZìdXrÀ`m d`mVgwÕm "AOy{Z `m¡dZmV_r' Ago dmQ>m`bm bmJob.

H$m_H$mOmVyZ {Zd¥Îm hmoB©n`ªV {dî`mgmR>r ~MV,gw`mo½` Am`w{d©_m B. Jmoï>tMo {Z`moOZ AmYrM H$éZR>odbo Agob Va nwT>rb Am`wî`mV Am{W©H$ MUMU_wirM OmUdUma Zmhr Am{U ZmVodmB©H$ qH$dm{_Ì_§S>itnwT>o hmV ngamdo bmJUma ZmhrV. dmT>Ë`m

d`m~amo~a AZw^dm§Mr {eXmoar hr dmT>VM OmVo. Ë`mVrbH$Qy> AZw^dm§Zm H$m`_Mr H$mÌr XoD$Z JmoS> AZw^d,Hw$Qw>§{~`m§er, ZmVodmB©H$m§er Am{U {_Ì_§S>iter dmQy>Z¿`mdoV, OoUoH$ê$Z Ë`m§ZmgwÕm bm^ hmoB©b. nU hoH$aVmZm Vw_Mr _Vo Ë`m§À`mda bmXÊ`mMm à`ËZ H$ê$ZH$m. Vgo Pmë`mg ñdV…M Vm|S>Ker nS>Ê`mMm àg§JòD$ eH$Vmo. Hw$Qw>§~mV AZw^dm§À`m XodmUKodmUrgmR>ramÌrÀ`m EH$Ì ^moOZmMr `Wmo{MV doi! gmYVm AmbrVa gmoSy> ZH$m.

Vw_À`m d`mH$S>o ~KyZ H$mhr bmoH$ Vwåhmbm gd©nme VmoSy>Z gJù`m§nmgyZ A{bá amhÊ`mMm qH$dmKamV OmñV doi Z XdS>Vm VrW©`mÌobm OmÊ`mMmAZmhÿV gëbmgwÕm XoD$ eH$VmV. na§Vw AmVmn`ªVì`VrV Ho$boë`m Am`wî`mV ~è`mM Jmoï>r H$m_mÀ`mì`mnm_wio d g§gmamÀ`m ì`ñVVo_wio H$am`À`m amhyZJoë`m AgVmV. ~è`mM OUm§Zm g§JrV, ZmQ>ç, {MÌH$bm,dmMZ, boIZ B. N>§X AgVmV. Ë`mgmR>r hrM doiAJXr `mo½` AgVo. Amnbo N> §X OmJ{dÊ`mMr dOmonmgÊ`mMr. mVyZ BVaoOZm§Zm H$moUVmhr Ìmg hmoUmaZmhr nU Amnbm j_Vm {dH$mg ZŠH$sM hmoB©b.

_wbo d ZmVd§S>m§_Üò ^md{ZH$ Jw§VdUyH$ A{YH$Pmë`m_wio "_wbo åhUOo åhmVmanUmMr H$mR>r' hmM{dMma _ZmV R>mU _m§Sy>Z ~gbobm AgVmo. AmOÀ`mdoJmZo ~XbUmè`m H$mimV _wbm§Zr CÀM {ejUmgmR>rAm{U ZmoH$argmR>r naXoemV OmUo {ZË`mMoM Pmbo Amho.Ë`m_wio EH$_oH$mVbm g§dmX hadyZ ZmË`mV Xwamdm{Z_m©U hmoV Amho. ho Q>miÊ`mgmR>r "_moR>r Pmbr H$s_wb§ KaQ>çmVyZ CS>m`MrM' ho gË` nM{dÊ`mMr_mZ{gH$ V`mar H$amdrM bmJob.

Am`wî`mMm A§V ho {ÌH$mbm~mYrV gË` Amho. _¥Ë`yhm AQ>i Amho. na§Vw Amnbm AmS>_wR>onUm gmoSy>Z ~XbË`mH$mimMr nmdbo AmoiIyZ, VS>OmoS>rMm n{dÌm KoVë`mg,^yVH$mimVrb H$Qy> AZw^dm§Zm {Vbm§Obr XoD$Z òUmamàËòH$ {Xdg Zì`mZo OJë`mg XrKm©`wî` ho daXmZMR>aob; _J Mbm Va XrKm©`wî` ho OJy `m AmZ§Xo!

CŒm_ a. dmS>oH$a, ßS>mam_mo. 9326585054

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May 2017 SAMVAD


(Ûr {d^mJ)

‡W_ nm[aVmo{fH$ {dOoVm boI

JVm wÓ`mMm Vmio~ßX

Vmio~§X! Vmio~§X åhQ>cm H$s Vmo éj {df`ZH$mogm dmQ>Vmo AmVm. Am`wî`â O_m Am{U IM© `mMmVmi o~ §X H$aV Amë`m_ wi o AmVm Am` w î`mÀ`mg§Ü`mg_`rcm hm {df`M ZH$mo Ag§ dmQ>V§. hmo, nUAmnë`mcm AmVm WmoS>mM Vmo AmH$S>o_moS>rMm Vmio~§XH$am`Mm`! "JVm`wî`mMm Vmio~§X!' JVm`wî`mVrcñ_¥VtZm COmim XoVmZm doi H$gm Am{U H$moR>o OmVmo Vog_OVM Zmhr. AmVm _mo~mB©c, A°S>ìhmÝg H$°_oè`m§À`mO_mÝ`mV AmnU EH$ AmZ§X J_mdyZ ~gcmo AmhmoV.EHo$H$ OwZm Aë~_ H$mT>yZ Vo OwZo \$moQ>mo- AJXr Q>oHy$XoD$Z IwMuV ~gdcoë`m ~mimnmgyZ Vo AmOmo~mhmoB©n`ªVMo- nmhVmZm Or _Om m`Mr Vr eãXmV gm§JyZZmhr H$iUma! Am`wî`mMm Vmio~§X åhUOo AgmMEH$ Aë~_ Amho. H$mimÀ`m AmoKmV Aë~_-àH$ma_mJ o nS >cm Agcm Var _ZmMm Aë~_ gX ¡dàËòH$mÀ`m Odi AgVmo. `m d`mVë`m _Zmoa§OZmM§EH$ gmYZ åhUyZ `m OrdZénr Aë~__Yc§ EHo$H$N>m`m{MÌ S>moù`mg_moa òD$ cmJV§. EImX§ N>m`m{MÌnmhÿZ IiIiyZ hgmd§g§ dmQ>V§, EImX§ Jmcmda~marH$er pñ_Vaofm C_Q>dV§, Va EImX§ nmhÿZS>moù`mVyZ XmoZ Amgdm§Mo W|~ Jmcmda AmoKiVmVAm{U Hw$Ur nmhmV Zmhr Zm åhUyZ BH$S>o {VH$S>oMmoaQ>çm ZOaoZ§ nmhmV AmnU Vo nwgyZhr Q>mH$VmoAm{U EHo$H$ nmZ CcQ>V amhmVmo.

n{hcr nmM gmV df} \$º$ IoiÊ`m~mJS>Ê`mVJocr. EImÚm àg§JmVyZ Amnë`mcm H$mhr ¿`m`M§`,{eH$m`M§` ho H$iÊ`mM§ Vo d` ZìhV§. emim gwéPmcr AZ² Xwgè`m dJm©V AgVmZm EH$ Jmoï> KS>cr.EH$ {Xdg _wcm§Zr Iyn X§Jm Ho$cm, åhUyZ ~mBªZr(Voìhm _°S>_, _°_ ZìhË`m) gdmªZm ~mH$mda C^§ Ho$c§Am{U cJoM _cm Am{U gwYracm Imcr ~gm`cm

gm§{JVc§. H$maU Ë`m§À`m Ñï>rZ§ Amåhr XmoK§M ehmUr_wc§ hmoVmo, em§V hmoVmo. àg§J gmYmM, nU _mÂ`m~mc_ZmZ § V o ìhmM R >adc § H$ s AmnU Ag §MehmÊ`mgmaI§ dmJm`M§, _ñVr H$am`Mr Zmhr. _JgJio Amnc§ H$m¡VwH$ H$aVrc. _mÂ`m O_mIMm©À`mnmZmda em§VnUm O_m Pmcm. Z§VaÀ`m Am`wwî`mV `mJwUmMm Ìmghr Pmcm. EH§$XarV H$m` Va {heo~gmaIm Pmcm. hm em§VnUm, g_§OgnUm ImVr O_mPmë`mda chmZ d`mVcr _ñVr, ImoS>H$anUm, hÅ>gd© J_dmd§ cmJc§. nU AmVm ZmVd§S>m§_Üò Vo gd©nm{hë`mda Omo AmZ§X {_iVmo Ë`m_wio AmnU H$mhrJ_mdc§ Ag§ dmQ>V Zmhr.

hm`ñHy$cn`ªVM§ {ejU Pmc§. Eg². Eg². gr.(VoìhmMr AH$amdr) CÎmrU© Pmë`mda "nwT>§ H$m`?' hmàý Amcm. Am {W ©H$ n[apñWVr_ wi o _ o {S >H$c,B§{O{ZA[a¨JMm {dMmaM H$am`Mm ZìhVm. _J gmY§J«°Á`wEQ> ahm`M§ Va ñdV…À`m nm`mda C^§ amhÿZ H$mZmhr {eH$m`M§? Pmc§! Ë`m {XeoZ§ nmdc§ dicr.àmW{_H$ {ejH$mMm H$mog© H$éZ AmYr ZmoH$ar nŠH$sHo$cr Am{U ZmoH$arÀ`m OmoS>rZ§ {ejU Ho$c§. H$YrH$Yr dmQ>V§ H$s Amnë`m {OÔrnm`r AmnU _mJo nS>cmoH$m? nU _J Agmhr {dMma _ZmV òVmo H$s CgZdmarH$éZ, d{S>cm§Zm H$O©~mOmar H$éZ _moR>§ Zmd, n¡gmH$_mdÊ`mnojm Amnë`m nm`mda C^§ amhÿZ AmnUñdmdc§~ZmZ§ Oo {_idc§ Vo _moR>§ Zmhr H$m? AmnUH$mhr J_mdc§ Ag§ dmQ>Ê`mnojm AmnU ~a§M H$mhrH$_mdë`mM§ g_mYmZ O_oM§ nmaS>§ OS> H$aV§.

emco` OrdZmV doJdoJù`m {ejH$m §H$S y >ZQ>mnQ>rn, ì`dpñWVnUm, dº$eranUm `mgma»`mAZoH$ Mm§Jë`m Jmoï>tMr â _mÂ`m O_oÀ`m ~mOycmOmoS>cr Jocr.

emco` {ejU, H$m°coOM§ {ejU ho gd© hmoVAgVmZm KamVë`m g§ñH$mamMr Iyn _mocmMr â _mÂ`mO_oÀ`m ~mOycm gmR>V hmoVr. ór-ñdmV§Í`, ór-gÝ_mZ`m Jmoï>r AmVm AmnU {h[aarZo _m§S>Vmo, nU Amåhmcm`m gdmªM§ ~miH$Sy> gmR> nmgï> dfmªnyduM {_imc§hmoV§. _wcJm-_wcJr hm oX Ë`m H$mimVhr AmB©-~m~m§Zr

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May 2017 SAMVAD

H$YrM _mZcm Zmhr. _wcrcm c¾ Pmë`mda Mycg§^miVm Amcr nm{hOo åhUyZ Am_À`m AmB©Z§ H$YrMAmåhmcm ñd`§nmH$mcm Ow§nc§ Zmhr. Amåhr Aä`mgmda,d¡`{º$H$ {dH$mgmda cj H|${ÐV H$amd§ `mdaM Ë`mXmoKm§Mm ^a Agm`Mm. VoM g§ñH$ma nwT>À`m {nT>rcmAmåhmcm nmohmoMdVm Amco.

_r ZmQ>H$mÀ`m à°ŠQ>rgH$aVm amÌr EH$ EH$dmOon`ªV ~mhoa Agm`Mr. _r oB©n ªV ~m~m OmJo Agm`Mo,nU g§e`mZ§ Zmhr, Va H$miOrnmoQ>r. _cm Cera H$mPmcm, _r H$moUm~amo~a Amco `m~Ôc g§e`mZ§ Ë`m§ZrH$YrM H$mhr {dMmac§ Zmhr. OoWo {dœmg AgVmo VoWog§e` ZgVmo. H$moUmda, H$gm Am{U {H$VnV {dœmgR>odm`Mm Am{U Xwgè`mZ§ Amnë`mda Q>mH$coë`m {dœmgmcmH$gm VS>m OmD$ Úm`Mm Zmhr ho _r AmB©-~m~m§H$Sy>Z {eH$coAm{U hr _cm dmQ>V§ _mPr \$ma _moR>r {_iH$V Amho.gwédmVrcm MwH$sÀ`m {R>H$mUr {dœmg R>odë`mZ§ chmZ_moR>o \$Q>Ho$ ghZ H$amdo cmJco, nU Ë`mVyZ ~a§M H$mhr{eH$m`cm {_imc§.

Am wî`mV ~è`mM doim Mm§Jë`m g§Yr oVmV Am{UAmnU Ë`m J_mdVmo Am{U Ë`mMm gc Am wî`^a _ZmVamhVm o . ~m~m ZmQ >ç-{X½Xe©Z H$am`Mo Am{UZmQ>çcoIZhr. _mÂ`mVrc A{^Z`mMr AmdS> nmhÿZ Ë`m§Zr_cm {X½Xe©H$mÀ`m ^y{_Ho$VyZ ~a§M _mJ©Xe©Z Ho$c§.Ë`mMm Cn`moJ _cm ñQ>oOda ^y{_H$m H$aVmZm Z¸$sMPmcm. nwT>o c¾ Pmë`mda Oar _r Ë`m _mJm©Zo Joco ZmhrVar _mÂ`m ImË`mVrc Vr \$ma _moR>r O_m Amho- _mÂ`m_Zmcm g_mYmZ XoUmar. nU EH$ MoH$ _mÌ _cm H$YrMdQ>dVm Amcm Zmhr. _r ZmQ>çcoIZ H$amd§ hr Ë`m§MrBÀN>m _mÂ`mH$Sy>Z nyU© Pmcr Zmhr.

c¾ åhUOo AmYrMm O_mIM© H$moc_S>Ê`mM§ EH$_hÎdmM§- YmoŠ`mM§ åhUm hd§ Va- diU. nU _mÂ`m~m~VrV hm AZw d MwH$sMm R>acm. _cm OmoS>rXma Agm{_imcm H$s _mPm Vmio~§X H$YrM JS>~S>cm Zmhr. _mÂ`mñdmdc§~Zmcm Ë`m §Mr Om oS >M {_imcr. Ë`m §À`mñdmdc§~Zmcm _mPm hmV^ma cmJcm åhQ>c§ Var dmdJ§hmoUma Zmhr. Am_Mr à{VkmM hr hmoVr H$s Am_Mm g§gma\$º$ Am_À`m XmoKm§À`mM H$ï>mdaVr C^m amhrc. AmOÀ`m

~±H$m§À`m Am{U emim§À`m nJmamdéZ Ë`m doiÀ`mnJmamMr H$ënZm oUma Zmhr. Am_À`m XmoKm§À`m nJmamVyZAmåhr Oo_Vo_ Ka MmcdV hmoVmo Am{U Ë`mVyZhr {e„H$Q>mH$V hmoVmo. VoìhmnmgyZM M¡ZrH$aVm IM© Z H$aUo,^{dî`mH$aVm ~MV H$aUo m gd`r cmJë`m. Ë`m AJXr~±H$m§Mo nJma Mm§Jco gwYmaco, {ejH$m§Zmhr ~ao {XdgAmco Var H$m`_ am{hë`m. EH$Xm ImË`mV credit Pmcoë`mgd`r H$YrM withdraw H$oë`m ZmhrV. ho H$aV AgVmZmAmåhr KamVco gUdma, ZmVodmB©H$m§Mr c¾§, KaÀ`m§À`mO~m~Xmè`m `mV Hw$R>§hr CU§ nSy> {Xc§ Zmhr. `mV AmåhrOo J_mdc§ Ë`mMr anmB© _ZmÀ`m g_mYmZmZ§ {Z{üVM Ho$cr.

c¾ Pmë`mZ§Va XrS> df© Amåhr ZmVodmB©H$m§H$S>o amhmVhmoVmo. ZdrZ OmJm ¿`m`Mr Va n¡emMr gmo H$er H$am`Mr?H$moUmH$Sy>Z H$mhr _XV ¿`m`Mr Zmhr `m à{Vko_wio AmåhrhV~c Pmcmo. EH$ Oa AmdmŠ`mVcr OmJm g_Ocr VarMma hOma én o {S>nm°{PQ>. XmoZ hOma Odi hmoVo, nUXmoZ hOma Hw$Ry>Z AmUm`Mo? H$gm gmoS>dm`Mm hm àý?_mPr hr AS>MU _mÂ`m _¡{ÌUrcm-_¥Umccm g_Ocr Am{U{VZo Vm~S>Vmo~ {VMr ~±Ho$Vrc E\$. S>r. _moSy>Z _cmO~aXñVrZo XmoZ hOma én o AmUyZ {Xco. {VZo _ZmnmgyZào_mZ§ {Xcocr a¸$_ Amåhmcm ZmH$maVm Amcr Zmhr Am{UAem arVrZo Am_À`m n{hë`m KamV Amåhr àdoe Ho$cm.Ë`mZ§Va ~±Ho$À`m _XVrZo _moR>m ~§Jcm {_imcm Am{U KamÀ`m~m~VrV Amåhr Zoh_rM g_mYmZr am{hcmo. nU `m àg§JmZoAmåhr EH$ Jmoï> _mÌ {eH$cmo, AmnU Oar H$moUmH$Sy>ZH$mhr _XV ¿`m`Mr Zmhr R>adc§ Var Xwgam Oa H$moUrAS>MUrV Agoc Va VZ_ZYZmZo Or _XV Ë`mcm H$aVmoB©c Vr H$am`Mr. Amåhr XmoKm§Zr KoVcocm hm dgm Ë`m§À`m

nümVhr _r Ogm Ponoc Vgm Mmcy R>odcm Amho. ho H$aVAgVmZm H$mhr à_mUmV Ìmg Oéa hmoVmo, Am{W©H$ ZwH$gmZhrhmoV§. nU Varhr AmnU àm_m{UH$nUo Ho$coë`m _XVrM§g_mYmZ _moR>§ AgV§.

Agm hm JVm wî`mMm Vmio~§X nm{hcm H$s Ag§ {XgV§H$s g§» oÀ`m Ñï>rZ§ AmnU H$_mdÊ`mnojm Iyn H$mhrJ_mdc§ . nU H$_mdcoë`m Jmoï>tM§ _yë` nm{hc§ Va VoAZ_moc Amho.

nwT>o nwT>o ~±H$ dmë`m§Zm Am{U emimdmë`m§Zmhr CÎmamoÎmaMm§Jco {Xdg oV Joco. _wcm-_wctMr {ejU§, c¾ hmoD$Z

19

May 2017 SAMVAD

Ë`m§Mo gwIr g§gma gwé Pmco. ho gJi§ nm{hë`mdaAm wî`mM§ MrO Pmc§ Ag§ dmQ>V§. Á`mH$arVm Ho$cm AÅ>mhmgVo mM S>moim nm{hë`mda {_iUmè`m g_mYmZmhÿZ AmUIrH$m` OmñV _m¡{cH$ Amho?

_r Oo _mZ{gH$ g_mYmZ H$_mdc§ Ë`mM§ _yë`ì`mdhm[aH$ ~mOmamV H$aVmM oUma Zmhr. AmOMr {nT>rì`mdhm[aH$ ~mOmamV H$_mB© H$aV gwQ>cr Amho. gd© Jmoï>rn¡emV _moOy cmJcr Amho. nU Vo H$aVmZm H$m¡Qw>§{~H$AmZ§X, g_mOmàVrM§ Xm{`Ëd ho gd© J_dyZ OrdZmVë`mAË §V _m¡ë`dmZ Aem AmZ§Xmcm _wH$cr Amho. åhUyZAg§ dmQ>V§, Am_À`m ImË`mVcm _mZ[gH$ g_mYmZmMmbalance nwT>rc {nT>rZ§ dmagmh¸$mZ§ dmQy>Z ¿`mdm Am{UË`mV _m¡{cH$ â KmcyZ Amnë`m nwT>ë`m {nT>rÀ`m hmVrgwnwX© H$amdm.

lr_Vr gr_m lr. {MÃo, ZmJnya_mo. 9665071091


(nwÈf {d^mJ)

{¤Vr` nm[aVmo{fH$ {dOoVm boI


OrdoV eaX… eV_² && AWd©doXmVrb `m gyŠVZwgmagdmªÀ`m Amamo½`nyU© d àJVrerb XrKm© wî`mMr _mJUr_mZdmZo AZ§VH$mimnmgyZ Ho$br Amho. OJmVrb emñÌk`m _mJUrMm nmR>nwamdm H$aV AgyZ Am wî`mÀ`m gamgarV90 n ªV dmT> Pmbr Amho d bdH$aM e§ ar JmR>Uma`mV e§H$m Zmhr. VargwÕm XrKm© wî` ho daXmZ Amho H$mhm àý H$m nS>Vmo? _mZdmÀ`m `m Ü`mgmMm gd©gmYmaUì`ŠVtda H$m` n[aUm_ hmoVmo Amho? ÁòîR>m§~amo~aXrKm©`wî`m~Ôb MMm© Ho$br Va ~hþVm§er à{V{H«$`m `mH$m` H$am`Mo EdT>o Am wî`? `m ñdê$nmÀ`m H$m oVmV.AË §V H$_r à{V{H«$`m `m gH$mamË_H$ d AOyZ Am wî`hdo Amho Aem AgVmV. ~hþVm§er à{V{H«$`m, m àH¥$VrÀ`mVH«$mar, Am¡fYmonMmamda hmoUmam dmT>Vm IM©, {ZpîH«$`VoMrI§V, Am{W©H$ AS>MUr, ñIbV Mmbbobo gm_m{OH$ OrdZ,Amboë`m qH$dm òD$ nmhmUmè`m namdb§~rËdm_wio dJ_dV Mmbboë`m AmË_{dœmgm_ wio Amh oV VagH$mamË_H$ à{V{H«$`m `m Ë`m ì`ŠVtÀ`m d¥Îmr,AmË_{dœmg, àH¥$Vr_wio d Am{W©H$ {Z`moOZm_wio AmhoV.

dmñV{dH$ d¥ÕËd oUo hr Z Wm§~dVm oUmar Z¡g{J©H${H«$`m Amho. Vr OÝ_V…M gwé hmoVo d _¥Ë wZo Wm§~Vo. Oa_¥Ë w Ambm Zmhr Va àË oH$OU d¥Õ hmoUma _J d`dmT>ë`mZo Amnbm AmË_{dœmg H$m J_dm`Mm qH$dmAnamYr ^mdZm, Ý wZJ§S> H$m {Z_m©U hmoD$ Úm`Mm ?

d¥Õ ho Jm|Yibobo, bhmZ _wbm§gmaIo dmJUmao,{dgamiy, dmñVdmnmgyZ Xÿa OmUmao, ZmdrÝ`mMr AmdS>Zgbobo AmhoV Ago _mZyZ Ë`m§Zm g_mOmnmgyZ Xþa T>H$bUo,Ë`m§Zm OmñV namdb§~r H$aUo hr g_mOmMr àd¥Îmr hmoVAmho. dmñV{dH$ `m JmoîQ>r \$ŠV 9% d¥Õm§_Ü o eŠÀmhoV. `mMmM AW© 91% d¥Õ ho gm_mÝ` d n[anyU©Am wî` OJy eH$VmV. _mÌ EHy$U d¥Õm§n¡H$s 60% d¥Õm§ZmdmT>Ë`m d`m~amo~a _Yw_oh, g§YrdmV, aŠVXm~, öXàmoJ,H°$Ýga, {dñ_¥Vr, ldU d ÑîQ>rV oUmar jrUVm Am{U_mZ{gH$ AmOmamn¡H$s H$mhr AmOma hmoD$ eH$VmV. ho

{dZmoX

1) _mbVr H$mHy§$Mr gyZ Iyn aS>V AgVo. {VMrgmgy åhUVo,

gmgy - ""H$m` Pmbo aS>m`bm.''

gyZ - ""gmgy~mB© _r H$m` MoQ>{H$UrgmaIr{XgVo?''

gmgy - ""Zmhr J§ A{O~mV Zmhr.''

gyZ - ""_mPo S>moio ~oS>H$mgmaIo AmhoV?''

gmgy - ""Zmhr A{O~mV Zmhr. gw§Xa S>moio AmhoV.''

gyZ - ""_r MnQ>çm ZmH$mMr Amho?''

gmgy - ""H$moU åhUVo A{O~mV Zmhr. ZmH$Mm\o$H$ir Amho.''

gyZ - ""_r H$m` EImÚm åhergmaIr OmS>Amho?''

gmgy - ""N>o N>o A{O~mV Zmhr.''

gyZ - ""_J _bm gJioOU _r gmgygmaIr{XgVo Ago H$m åhUVmV?''

nw. {Z. XoenmßS>o, A_amdVr1917

20

May 2017 SAMVAD

AmOma {Z`{_V Am¡fYmonMma, OrdZe¡brVrb ~Xbm§Zrgwgø hmoD$Z d¥Õ Mm§Jbo Am wî` Kmbdy eH$VmV. `mn ¡H$s H$mhr AmOmam §À`m J §^raV o_ wi o Amb oë`mnamdb§~rËdm_wio Aem d¥Õm§Mr OmñV H$miOr KoUoAmdí`H$ hmoVo ho Iao Agbo Var `m AmOmam§Mo ^m§S>dbH$éZ, Ë`m§Zm X¡Z§{XZ OrdZmnmgyZ ~hrîH¥$V H$aUo dË`m§À`m Z¡amí`mV ^a KmbUo ho g_mOmV KS>V Amho. `màd¥ÎmrMm d J¡ag_OmMm n[aUm_ åhUyZ H$mhr d¥ÕhrAmnë`m OrdZe¡brV, {dMmamV KmB©Zo ~Xb H$am`bmbmJVmV d OmñV {Zame hmoVmV. d¥Õm§_Ü o Ë`m§À`m OmUrdmd à{V{H«$`og bmJUmè`m doim_wio H$m`©j_Voda WmoS>mn[aUm_ hmoD$ eH$Vmo Ë`m_wio Vo AmVm {Zd¥Îm PmboV,{ZpîH«$` Pmbo. AmVm H$mhr H$m_mMo ZmhrV ho g_mOmZo dñdV… d¥Õm§Zr _mZUo MwH$sMo Amho. {Zd¥Îmr hr ZmoH$arÀ`m{Z`_mZwgma hmoVo Ë`m_wio dmT>boë`m d`mZo {Z_m©U hmoUmarAnamYmMr ^mdZm, Ý` wZJ§S > H$_r hm oUmè`mAmË_{dœmgmda _mV H$aUo JaOoMo Amho. ~XbË`mn[apñWVrer OwidyZ KoD$Z ""Am_À`m doir'' À`m^mdZoVyZ ""AmVm AgoM'' `mMm ñdrH$ma Ho$ë`mg AZoH$VUmd H$_r hmoVrb `mMr OmUrd R>odbr nm{hOo.

d¥Õ noÝeZ `moOZm `m_Ü o noÝeZ KoUmè`m§Mr g§»`m{_iUmè`m VwQ>nw§Á`m bm^m_wio d pŠbîQ>Vo_wio H$_r Amho.åhÊmOo OdiOdi 90% d`mod¥Õ ho Hw$Qw>§~mda Adb§~yZAmhoV. _mÌ Xm[aÐ² aofoImbr OJUmè`m d¥Õm§À`m dmT>Umè`mg§» oV hmoUmar dmT> hr \$maM qMVmOZH$ Amho.

OJmVrb g§emoYZmMm amoI AmVm/XrKm© wî`mH$Sy>ZAmamo½`nyU© XrKm©`wî`mH$S> o dibm Amho. d¥Õm§À`mOJÊ`mVrb JwUdÎmm amIyZ Ë`m§Mo namdb§~rËd H$_rH$aUo mH$S>o bmJbo Amho. "~«oZ S´>½O' d¥Õm§À`m _mZ{gH$Amamo½`mMr H$miOr KoVrb. VéUm§Mo XmoZ {bQ>a aŠVd¥Õ hmoUmè`m ì`ŠVrg {Xë`mg Ë`mÀ`m {d{dY Ad`dm§À`mnoetÀ`m H$m`©j_VoV dmT> hmoVo Agm Xmdm Amho dË`m{df`H$ g§emoYZ Mmby Amho. Va {OZmo_ {gŠdoÝgtJd hm`Q>oH$ ñH°$ZtJMm Cn`moJ H$éZ amoJ hmoD$M ZXoÊ`m{df`H$ h_rhr {Xbr OmV Amho. _mÌ gÜ`m `mCnMmam§Mm IM© ho H$moUmÀ`mhr Am{W©H$ j_VoV ~gob `m~m~V gme§H$Vm Amho. d¥Õm§Zm Ë`m§Mo X¡Z§{XZ ì`dhmañdV§ÌnÊmo H$aUo eŠ` ìhmdo åhUyZ {d{dY CnH$aUm§Mr{Z{_©Vr d Ë`mda g§emoYZ Mmby Amho. d¥Õm§Mr H$miOrKoUmè`m ñd`§godH$m§Zm _XV, _mJ©Xe©Z H$aUmè`m d

_Zwî`~i d Am{W©H$ _XV XoUmè`m AZoH$ g§ñWm XoemVd naXoemV H$m © H$arV AmhoV. Aem g§ñWm§À`m g§» oVdmT> hmoV Amho hr g_mYmZH$maH$ ~m~ Amho. d¥Õm§MrH$miOr Ë`m§À`mM Hw$Qw>§~r`m§H$Sy>Z KoVbr Omdr m CÔoí`mZoH$m`Xo{df`H$ ~Xb H$aÊ`mV Ambo AmhoV d Vo nwT>ohrhmoV amhmVrb.

darb gd© {ddoMZmdéZ bjmV oB©b H$s AmnUXrKm©`wî`mg daXmZ _mZm AWdm emn, nU XrKm©`wfrhmoUo ho AmVm H«$_nmÌM Amho. Voìhm§ Vo gwgø d AmZ§XmZoH$go KmbdVm oB©b `mMm {dMma H$aUo OéarMo Amho.Amnë`m Amamo½`mMr H$miOr KoUo ho Va AmZ§Xr amhmÊ`mMoàW_ d _hÎdmMo gyÌ Amho. AmnUmg H$moUMmhr àXrK©AmOma Agë`mda Ë`mda CnMma doioda d {Z`{_VhmoUo AË`§V Amdí`H$ Amho. àXrK© AmOma Zgboë`md¥Õm§Zm {ZamoJr amhmÊ`mgmR>r H$m` H$amdo mMo _mJ©Xe©ZVa {d{dY {R>H$mUmhÿZ AmnUmg {_iV AgVoM. Ë`mVboAmnUmg _mZdUmao d Vkm§Mo _mJ©Xe©Z AgboboMñdrH$maUo ho m d`mV OmñV JaOoMo Amho. Amhma{df`H$gyMZm§Mm ^S>r_ma hmoV AgVmoM Voìhm§ _mZdUmè`m,gd`rMm d ghO CnbãY hmoUmè`m JmoîQ>tMm dmnaAmdí`H$. JaOoÀ`m CnH$aUm§Mm dmna H$éZ X¡Z§{XZJmoîQ>r gwgø hmoVrb. Ë`m dmnaÊ`m~m~V g§H$moM Zgmdm.H$mhr CnH$aUo hr AnKmV Q>miÊ`mgmR>rhr AgVmV. JaOdmQ>ë`mg d¥Õm§Zm _XV H$aUmè`m g§ñWm§Mm d gaH$mar`moOZm§Mm dmna H$aUo ho gwÕm Amdí`H$ Amho. Ë`mVCJmM H$_rnUm dmQy> XoUo `mo½` Zmhr.

_hËdmMo åhUOo dmT>boë`m Am w_m©ZmV ~XbË`mgm_m{OH$ n[apñWVrg H$moR>ë`mhr nyd©J«hm{edm` gm_moaoOmUo JaOoMo Amho. {damoY H$aÊ`mMr àd¥Îmr Q>mië`mgË`m_wio hmoUmam _Z…ñVmn, oUmao Z¡amí` H$_r hmoB©b.gH$mamË_H$ hmoD$Z g_mOmV {_gië`mg ñdmJV hmoB©b.ZH$mamË_H$ d¥ÎmtÀ`m bmoH$m§À`m ghdmg Q>miUohr JaOoMoAmho. Am wî` g§nob Voìhm§ g§nobM _mÌ Vo g§n{dÊ`mMrKmB© H$aÊ`mH$S>o H$b Zgmdm.

O`‡H$me Zm. VmoaUo, Zm{eH$

_mo. 9552501517

21

May 2017 SAMVAD


XrKm© wfr hmo, Am wî`_mZ ^d, OrdoV² eaX… eV§ -Amnë`m Am wî`mV ghñÌM§Ð Xe©ZmMm `moJ `mdm Ago~hþVoH$m §Zm dmQ>Vo. e§â nmdgmio nmhmdo. e§âeaXmÀ`m Mm §XÊ`mMr ~agmV ìhmdr. Agm `m oJàË` oH$ mÀ`m Am` wî`mV `mdm. hmM Amerdm ©XdmS>d{S>bm§H$Sy>Z {_imdm. ~aoMXm AmnU EImÚm~Ôb~mobV AgVmZm VrM ì`ŠVr g_moa òD$Z C^r amhVo.Ë`mdoir ghOM AmnU åhUVmo, H$s Vwbm e§â dîm©oAm`wî` Amho.

BVHo$ Oa e§â dfo © Am`wî` _mUgmÀ`mdmQ>çmbm Ambo Amho, Vo daXmZ åhUyZM pñdH$mam`bmhdo. na_oœamZo Amnë`mbm Ioim`bm ho {dûdmM§Am§JU {Xbo Amho. IoiÊ`mH$[aVm e§â dfm©Mo ~§YZAmho. _mUyg OÝ_mbm òVmo, Ë`mMdoir _aUmMo {VH$sQ>~wH$ Ho$bo AgVo. BVa {R>H$mUr OmVmZm AmnU {VH$sQ>H$mT>Vmo. Amnë`mbm Hw$R>o Om`Mo _m{hV AgVo. dmngòÊ`mMr VmarI _m{hV AgVo. na_oœamÀ`m {VH$sQ>mMrVmarI _m{hV ZgVo. åhUyZM OrdZ OJÊ`mMr _OmAmho. AkmZmVM AmZ§X AgVmo. OrdZmÀ`m jUmjUmVAmZ§X gmR>dm`bm hdm. hoM OJUo Amho.

H$moUVrhr B_maV _O~yV hmoÊ`mgmR>r Ë`mMmnm`m nŠH$m Agmdm bmJVmo. VrM JmoîQ> Am`wî`mbmhrbmJy nS>Vo. OrdZ {Z`_~Õ Agbo Va gwIH$aXrKm©`wî` bm^Vo. Y_©, AW©, H$m_ Am{Êm _moj. øm MmaIm§~m §da Am`wî`mMr ~¡R>H$ Agbr Va {Zam_`,gwIg§nÞ, Eoœ`©g§nÞ, XrKm©`wî` bm^Vo.

AmnU Zr{V{Z`_m§Mo nmbZ emñÌmZwgma Ho$bo.Amnbo AmMaU, {dMma, Am{U Amhma gmpÎdH$ Agmdm,Ë`mMm Amamo½`mda Mm§Jbm n[aUm_ hmoVmo. XrKm©`wîÀmam o ½` g §nÞ Agb o VaM V o daXmZ AgV o .emñÌmZwgma dV©Z ømbmM Y_© åhUVm òB©b.


(Ûr {d^mJ)

{¤Vr` nm[aVmo{fH$ {dOoVm boI

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AmgŠVr, BÀN>m, H$m_Zm AZoH$ AgVmV.BÀN>m§da, H$m_Zoda Vm~m R>odm`Mm H$s Ë`m§À`m Vmã`mVamhm`Mo ømMmhr n[aUm_ earamda hmoVm o. {df`dmgZm- åhUOo H$m_ hm {Vgam Im§~ Amho. _ZmVIyn BÀN>m AgVmV ho nm{hOo Vo nm{hOo øm nm{hOoÀ`m_mJo Ymd Ymd H$aVmo nU øm YmdÊ`mcm _`m©Xm hì`mV.øm_wio eara ñdmñÏ` {~KS>Vo. Iyn VmUVUmd {Z_m©UhmoVmV. Ë`mMm n[aUm_ earamda hmoD$Z AZoH$ amoJm§Zm{Z_§ÌU {_iVo. Amnë`m _`m©XoV amhÿZ gd© ^moJ^moJmdoV. _Z em§V R>odm`Mm à`ËZ H$amdm. g_mYmZho XrKm©`wî`mgmR>r daXmZ Amho.

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If Undelivered Please Return to :

STATE BANK OF INDIA PENSIONERS'

ASSOCIATION, (MUMBAI CIRCLE), PUNE

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To,

Printed Matter

Publisher – Shri. Vilas Vasudeo Gandhe, Secretary, State Bank of India Pensioners’ Association (MumbaiCircle), Pune has printed this magazine in the Printing Press owned by Printer – Shri Shailendra Borkar,Director : Sanwad Tradeprints Pvt. Ltd. B/7 Gowaikar Building, 595, Shaniwar Peth, Pune 411030 on behalfof 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. Krantisen RamchandraAthawale – address as above.

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on 25th of each month and published on 25th of each month.

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