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Showing posts with label DEFENCE. Show all posts
Showing posts with label DEFENCE. Show all posts
14.5.17

Cabinet approves modifications in pay structure, pay matrices :Financial Express

The Union Cabinet, chaired by PM Modi, recently approved important proposals relating to modifications in the 7th CPC (Central Pay Commission) recommendations on pay structure and revision of the three pay matrices in the course of their implementation
The Cabinet has now approved further modifications in the pay structure and the three Pay Matrices, i.e. Civil, Defence and Military Nursing Service (MNS).

The Union Cabinet, chaired by PM Modi, recently approved important proposals relating to modifications in the 7th CPC (Central Pay Commission) recommendations on pay structure and revision of the three pay matrices in the course of their implementation.

The Cabinet, while approving the 7th CPC recommendations for their implementation on 29th June, 2016, had made two modifications in the Defence Pay Matrix as under:
(a) Index of Rationalisation (IOR) of Level 13A (Brigadier) may be increased from 2.57 to 2.67.
(b) Additional 3 stages in Levels 12A (Lt. Col.), 3 stages in Level 13 (Colonel) and 2 stages in Level 13A (Brigadier) may be added.
The Cabinet has now approved further modifications in the pay structure and the three Pay Matrices, i.e. Civil, Defence and Military Nursing Service (MNS). The modifications are listed below:
  • Defence Pay Matrix has been extended to 40 stages similar to the Civil Pay Matrix: The 7th CPC had recommended a compact Pay Matrix for Defence Forces personnel keeping in view the number of levels, age and retirement profiles of the service personnel. The Ministry of Defence raised the issue that the compact nature of the Defence Pay Matrix may lead to stagnation for JCOs in Defence Forces and proposed that the Defence Pay Matrix be extended to 40 stages. The Cabinet decision to extend the Defence Pay Matrix will benefit the JCOs who can continue in service without facing any stagnation till their retirement age of 57 years.

  • IOR for Levels 12 A (Lt. Col. and equivalent) and 13 (Colonel and equivalent) in the Defence Pay Matrix and Level 13 (Director and equivalent) in the Civil Pay Matrix has been increased from 2.57 to 2.67: Variable IOR ranging from 2.57 to 2.81 has been applied by the 7th CPC to arrive at Minimum Pay in each Level on the premise that with enhancement of Levels from Pay Band 1 to 2, 2 to 3 and onwards, the role, responsibility and accountability increases at each step in the hierarchy. This principle has not been applied in respect of Levels 12A (Lt. Col. and equivalent), 13 (Colonel and equivalent) and 13A (Brigadier and equivalent) of Defence Pay Matrix and Level 13 (Director and equivalent) of the Civil Pay Matrix on the ground that there was a disproportionate increase in entry pay at the level pertaining to GP 8700 in the 6th CPC regime. The IOR for Level 13A (Brigadier and equivalent) in the Defence Pay Matrix has already been revised upwards with the approval of the Cabinet earlier. In view of the request from Ministry of Defence for raising the IOR for Levels 12 A and 13 of the Defence Pay Matrix and requests from others, the IOR for these levels has been revised upwards to ensure uniformity of approach in determining the IOR.

  • To give effect to the decisions to extend the Defence Pay Matrix and to enhance the IORs, the three Pay Matrices – Civil, Defence and MNS – have also been revised. While doing so, two calculation errors noticed in the MNS Pay Matrix have also been rectified.

  • To ensure against reduction in pay, benefit of pay protection in the form of Personal Pay was earlier extended to officers when posted on deputation under Central Staffing Scheme (CSS) with the approval of Cabinet. The benefit will also be available to officers coming on Central Deputation on posts not covered under the CSS.
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29.6.16

7th Pay Commission Pay Calculator for Defence Personnel

7th Pay Commission Pay Calculator for Defence Personnel

Please click Below link


 Click Here


Source:-http://7thpaycommissionnews.in/7th-pay-commission-pay-calculator-for-defence-personnel/
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13.3.15

Women personnel in the Armed Forces are not being deployed for combat operations

Women Personnel in Defence Services
Women personnel in the Armed Forces are not being deployed for combat operations and on naval warships. Induction of women in combat duties has not been recommended by the studies carried out by the Headquarters Integrated Defence Staff (HQIDS) in 2006 and High Level Tri-Services Committee in 2011.
In the Armed Forces, Women are inducted as Short Service Commissioned Officers (SSCOs) alongwith men SSCOs with a tenure of upto 14 years. All officers including SSCOs, irrespective of gender, are eligible to hold substantive rank of Lieutenant Colonel after completion of 13 years of reckonable commissioned service. Further, Women SSCOs are eligible for grant of Permanent Commission in specific branches in the three Services viz. Judge Advocate General (JAG) and Army Education Corps of Army and their corresponding branches in Navy and Air Force; Naval constructor in Navy and Accounts, Technical, Administration, Logistic and Meteorology branches in Air Force in terms of extant Government Policy.
This information was given by Defence Minister Shri Manohar Parrikar in a written reply to Dr Bhola Singh and others in LokSabha today.
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13.3.15

Kelkar Committee had recommended that “Ordnance Factories should be corporatized…

Ordnance Factories
Kelkar Committee had recommended that “Ordnance Factories should be corporatized into a single corporation under leadership of a competitive management. This corporation should be accorded the status of Navratna”.
The following steps have been taken by the Government on research and development initiative for innovation and import substitution in last one year:
• To avoid the delay in processing of R&D projects at Ordnance Factory Board Headquarters (OFBHQ), financial powers have been delegated to all levels.
• Factories have been given target to increase the expenditure on R&D activities to 3% of their turnover by the year 2018-19 in a phased manner.
• Factories are being encouraged to associate themselves with reputed Academic Institutes for Research Assistance.
• Core technologies have been identified for 12 Ordnance Factories to put in more focused efforts to cope up with Technology denial regime.
• Joint working on some of the large projects with Defence Research Development Organization (DRDO) from the inception stage and to render manufacturing assistance, wherever required by DRDO is being encouraged.
This information was given by Minister of State for Defence Rao Inderjit Singh in a written reply to Shri Gaurav Gogoi and others in Lok Sabha today.
Source: PIB News
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13.3.15

One Rank One Pension Scheme – Defence Minister today replied in Parliament

One Rank One Pension Scheme – Defence Minister today replied in Parliament
One Rank One Pension Scheme
The principle of One Rank One Pension for the Armed Forces has been accepted by the Government. The modalities for implementation have been discussed with various stakeholders and are presently under consideration of the Government. Financial implication could be calculated, once the modalities are finalized and approved by the Government.
Possible amendments to the pension policies are being examined with a view to reduce litigation for removing disparities in pension of various ex-servicemen.
This information was given by Defence Minister Shri Manohar Parrikar in a written reply to Shri Mullappally Ramachandran and others in Lok Sabha today.
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20.2.15

Revision of 43% and 45% commuted portion of pension of Armed Forces absorbees who had drawn lump sum payment on absorption in Public Sector Undertaking/Autonomous bodies

Revision of 43% and 45% commuted portion of pension of Armed Forces absorbees who had drawn lump sum payment on absorption in Public Sector Undertaking/Autonomous bodies
No 1(4)/2007/D(Pen/Policy)
Government of India
Ministry of Defence
Department of Ex-Servicemen Welfare
New Delhi Dated, the 19th January, 2015
To
The Chief of the Army Staff,
The Chief of the Naval Staff,
The Chief of the Air Staff,
Subject: Revision of 43% and 45% commuted portion of pension of Armed Forces absorbees who had drawn lump sum payment on absorption in Public Sector Undertaking/Autonomous bodies -Implementation of Government’s decision on the recommendations of the Sixth Central Pay Commission reg.
Sir,
The undersigned is directed to say that orders were issued vide this Ministry’s letter No 1(4)12007/D(Pen/Policy) dated 21.8.2009 amended vide letter No 1(4)/2007/ D(Pen!Policy) dated 9.2.2011 regarding revision of restored amount of commuted portion of pension as well as notional full pension with effect from 1.1.2006 in respect of Armed Forces Personnel absorbees who had drawn lump sum payment on absorption in Public Sector Undertakings/ Autonomous Bodies and have become entitled for restoration of 45% of pension in the case of PBOR and 43’% of pension in the case of Commissioned officers.
2. In compliance of orders of Hon’ble CAT, Hyderabad Bench order in CP No 26/2012 in OA 710/2010, Ministry of Personnel, Public Grievances & Pensions, Deptt of Pension & Pensioners’ Welfare vide their OM No 4130/2010-P&PW(D) dated 11th July 2013 has issued order that restored pension of those Government servant who had drawn lump- sum payment on absorption in Public Sector Undertakings/ Autonomous Bodies and whose pension has been restored from a date before 1.1.2006, the pre-revised restored pension (without DP) shall be revised with effect from 1.1.2006 by multiplying the same by a factor of 2.26, if the same is more beneficial than the amount of revised restored pension in terms of 6th CPC orders. These instructions have been issued as a special case and would not be taken into consideration for revision of pension on the basis of recommendations of next Pay Commission.
3. The undersigned has been directed to say that the provisions of Ministry of Personnel, Public Grievances & Pensions, Deptt of Pension & Pensioners’ Welfare OM No 4/30/2010-P&PW(D) dated 1 lth July 2013 shall apply mutatis – mutandis to Armed Forces personnel absorbees.
4. The other terms and conditions prescribed vide this Ministry’s above mentioned letter dated 21.8.2009 as amended, which are not affected by the provisions of this letter, shall remain unchanged. Pension Sanctioning Authorities shall revise restored portion of pension of absorbee pensioners’ suo moto, if found beneficial, by issue of revised Pension Payment orders, where the restored pension has already been revised in terms of this Ministry’s above said letter dated 21.8.2009.
5. These orders issue with the concurrence of MoD (Finance/Pension) vide their ID No 31(08)/09/Fin/Pen dated 22.12.2014.
Hindi version of this order will follow.
Yours faithfully,
sd/-
( Prem Parkash )
Under Secretary (Pension/Policy)
Download-Revision of 43% and 45% commuted portion of pension of Armed Forces absorbees who had drawn lump sum payment on absorption in Public Sector Undertaking/Autonomous bodies
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18.2.15

OROP has moved a step closer to its approval-IESM

OROP LATEST NEWS BY IESM
Dear Members
Further to the information given in the report of rally held on 1 Feb 15. On 1 Feb 15 a delegation of 30 ESM including four veernaris met RM at Kotah house. RM had promised to take action on OROP latest by 17 Feb 15.
IESM has a good news for you. Your dream of OROP has moved a step closer to its approval.
As promised by RM to IESM delegation that he will personally monitor the progress on OROP. True to his promise he has chaired a meeting today of OROP action committee. The meeting was attended by CGDA,DESW, MOD and Army pay cell Maj Gen Aggarwal and Col Pruthi. Col Rathore also attended the meeting. It is confirmed that OROP file has finally reached MOD.
Following decisions have been taken in the meeting today 17 Feb 15. OROP will be as per approved definition.
In most of cases ESM will get fixed at highest of their rank pay band. OROP equalization will be done annually.
Some issues of Major’s pension are under discussion and will be sorted out soon.
RM gave special instructions to Gen Aggarwal to inform Gen Satbir singh about this development. Gen Aggarwal informed IESM asap he came out of the meeting. File is under final scrutiny and preparation and file will be dispatched to MOF on 23 Feb as RM is going to attend Annual Aero Show at Bangaluru from 17 to 22 Feb.
CGDA has already issued circular no 536 giving increase in pension of widows w.e.f. 24 Sep 12. This circular fixes the pension of widow at 60% of the pension of the ESM as given in circular 500. Widows will get this enhanced pension from 24 Sep 2012. They will further get arrears from 1 Jan 2006 as and when the MOD issues such instructions.
Dear Members hold your celebration till budget. We will finally come to know how much funds get allotted for OROP in this years budget and will raise a toast for OROP on that day.
IESM salutes sincerity of RM Sh Manohar Parrikar. He is a man of his words. He had promised action on OROP by 17 Feb and he has executed it.
Regards
Gp Capt VK Gandhi VSM
Gen Sec IESM
Block N5, Flat no 801
Narmada Block
Pocket D6, Vasant Kunj
New Delhi. 110070
Mobile 09810541222
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18.2.15

One-Rank One-Pension is getting final Shape – Budget 2015

One-Rank One-Pension is getting final Shape – Budget 2015
Achchey Din seems likely to dawn on the armed forces, or ex-personnel in particular. The government is giving final shape to their long standing demand of adopting One-Rank One-Pension (OROP).
Bureaucrats are currently burning midnight oil to pore over the fine print of at least four options to implement the OROP scheme. A source in government, aware of the developments, says a decision is expected soon and a large provision in the Budget, or soon after.
“We are very hopeful that the long overdue injustice to the armed forces will be reversed in this budget,” says Maj Gen Satbir Singh (Retd) who leads the IESM or Indian Ex-Servicemen Movement, which lobbied intensely for OROP since 2008. “Both UPA and NDA have agreed to our OROP so we see no reason that it will be held back now,” he says.
For 40 years the retirees, now numbering three million, have been bristling under what they perceive as “neglect and humiliation” by political parties and successive governments. Its extreme manifestation, from their perspective, was the denial of OROP. Lack of empirical data on the cost of this pension, plus political reluctance of the parties fuelled much of the denial and delay. The former military staff launched public agitations to make their case, often embarrassing the government.
Read more at-http://www.outlookindia.com/article/Achchey-Din-For-Retired-Faujis/293417
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14.2.15

Reimbursement of in-patient medical expenses in addition to Fixed Medical Allowance(FMA) to serving Government employees in remote areas

Proposal for reimbursement of in-patient medical expenses in addition to Fixed Medical Allowance(FMA) to serving Government employees in remote areas
No.9(1)/2010/D(Civ-II)
Government of India
Ministry of Defence
B Wing, Sena Bhavan, New Delhi
Dated 15th December, 2014
OFFICE MEMORANDUM
Subject: Proposal for reimbursement of in-patient medical expenses in addition to Fixed Medical Allowance(FMA) to serving Government employees
in remote areas.
The undersigned is directed to refer to Ministry of Health & Family Welfare’ ID No. S.14025/9/2011-MS dated 14.08.2014 on the above mentioned
subject.
2. This Ministry agrees with the proposal of MoH&FW that the “FMA being granted to CS(MA) beneficiaries be stopped and they should be governed by the provisions of CS(MA) Rules, 1944 under which medical reimbursement for outdoor treatment as well as indoor treatment is permissible as per rules.”
3. In addition to above, the following provisions for inclusion in the proposal, are also submitted for consideration of Ministry of Health & Family Welfare:
(a) FMA at enhanced rates @ Rs.300/-p.m. may be paid w.e.f. 1.9.2008 till the provisions of CS(MA) Rules at para 2 above is made applicable;
(b) Procedure for appointment of AMA may be simplified and HoD may be authorised to nominate a RMP as AMA in case there is no Govt. doctor available within the radius of 5 kms;
(c) Provision of credit facilities may be made for serving & retired employees and dependent in emergency in Govt. approved hospitals;
(d) Provision for medical advance for Non-approved hospitals;
(e) There may be some isolated areas where no AMA/Govt doctor or RMP is available within the radius of 5 kms. In these areas, FMA @ Rs. 300/- p.m. may be continued to be paid to civilians in terms of Min of H&FW OM dated 17.07.1990 as the same is in lieu of OPD treatment only. The reimbursement of medical expenses for the indoor treatment, in respect employees posted in these areas, may also be allowed under the CS(MA) Rules.
3. This issues with the approval of Joint Secretary.
sd/-
(Gurdeep Singh)
Under Secretary to the Govt. of India


Source: BPMS
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14.2.15

One Rank One Pension-Minimum guaranteed pension to pre-2006 Commissioned Officers pensioners/ family pensioners.

Minimum guaranteed pension to pre-2006 Commissioned Officers pensioners/ family pensioners.
No.1(11) 2012/D(Pen/Policy)
Government of India
Ministry of Defence
Department of Ex-Servicemen Welfare
Dated: 25th November, 2014
To
The Chief of the Army Staff
The Chief of the Naval Staff
The Chief of the Air Staff
CORRIGENDUM
Subject:- Implementation of Government decision on the recommendations of the Committee on the issues related to Defence Services Personnel and Ex-Servicemen, 2012- Minimum guaranteed pension to pre-2006 Commissioned Officers pensioners/ family pensioners.
Sir,
Kindly refer to this Ministry’s letter No.1 (11)/20121D(Pen/Policy) dated 17.01.2013 issued in implementation of CSC-2012 recommendation relating to the captioned subject. Although enhanced rate of Ordinary Family Pension for the families of Commissioned Officers were duly taken care of in the table appended with the original letter dated 17.01.2013, this fact, however, could not be included in the body of the letter. Accordingly, following para may be inserted below para 3 of the letter No.1 (11)/2012/ D(Pen/Policy) dated 17.01.2013.
“Similarly, the minimum guaranteed enhanced rate of ordinary family pension in respect of pre-2006 Commissioned Officers/Army, Navy, Air Force, DSC & TA family pensioners shall not be less than 50% of the minimum of the fitment table for the rank in the revised pay band as indicated under fitment tables plus the grade pay corresponding to the pre- revised scale from which the pensioner had retired /discharged/invalided out / died including Military Service Pay. In case, where full revised pension is otherwise not authorised to a retired employee in terms of 6th CPC orders, the revised enhanced rate of Ordinary Family Pension shall be restricted to that amount,”
2. The provisions of this letter shall take effect from 24.9.2012.
3. This issues with the concurrence of the Finance Division of this Ministry vide their ID No. 10(11)/2012/FIN/PEN dated 15.10.2014.
Hindi version will follow.
Sd/-
(Prem Parkash)
Under Secretary (Pension/Policy)
Source: http://www.desw.gov.in/sites/upload_files/desw/files/pdf/D%28Pension-Policy%29-25-Nov-2014.pdf
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14.2.15

OROP-Enhancement of Ordinary Family Pension in respect of pre- 2006 JCO/OR family pensioners

Enhancement of Ordinary Family Pension in respect of pre- 2006 JCO/OR family pensioners
No. 1(14)2012/D(Pen/Policy)
Government of India
Ministry of Defence
Department of Ex-Servicemen Welfare
Dated: 25th November, 2014
To
The Chief of the Army Staff,
The Chief of the Naval Staff,
The Chief of the Air Staff
CORRIGENDUM
Subject:- Implementation of Government decision on the recommendations of the Committee of Secretaries 2012 on the issues related to Defence Service Personnel and Ex- Servicemen – Enhancement of Ordinary Family Pension in respect of pre- 2006 JCO/OR family pensioners.
Sir,
Kindly refer to MoD letter No.1 (14)/2012/D(Pen/Policy) dated 17.01.2013 on the captioned subject, enclosing therewith tables indicating the rates of ordinary family pension.
2, The provision of enhanced rate of Ordinary Family Pension could not be reflected in the body of the main letter hence the following lines may be inserted below para 3 of the MoD letter No. 1 (14)/2012 /D(Pen/Policy) dated 17.01.2013:-
“Similarly, the minimum guaranteed enhanced rate of ordinary family pension in respect of family members of pre- 2006 JCO/ORs including honorary Commissioned Officers and Non-Combatants (Enrolled) of Army, Navy. Air Force, DSC & TA, shall be determined as 50% of the minimum of the fitment table for the rank in the revised pay band as indicated under fitment tables annexed with SAI/l/S/2008 as amended and equivalent instructions for Navy & Air Force, plus the grade pay corresponding to the pre-revised scale from which the pensioner had retired /discharged / invalided out/died including Military Service Pay and ‘X’ Group Pay, wherever applicable.”
3. Amendments in Table No.2 (Army) – following additions/deletions may be carried out in table No.2 (Army) attached with MoD letter No.l (14)/2012/D(Pen/Policy) dated 17.01.2013
(i) Columns in 5th horizontal row from above were not numbered properly. Hence, Column Numbers 1 to 32 from left to right may be marked therein. Further, in Col No.6 (for Hony. Naik, Gp-Z) & Col. No.9 (for TS Naik, Gp-Z) for Q.S. 20 years the existing figure 3628 may be read as 3500.
(ii) In Col.No.9 (for TS Naik, Gp-Z), the rate for Q.S. 24.5 years and above, is deleted. Similarly, in Col No.15 (for Hony. Hav, Gp-Z) rates for Q.S. of 26.5 years and above is deleted.
(iii) Following figures may be inserted in column 12 in respect of Naik Group Z for respective qualifying, service as mentioned against each in the table below:
Q.SNaik,Group-Z
26.53599
273599
27.53656
283711
4.Amendment in Table No.4 (Navy) (attached with MoD letter No.1 (14)/2012/D(Pen/Policy) dated 17.01.2013);- the existing figures in the respective columns may be replaced by the figures as mentioned in the table below:-
Q.sArt-IV (Col.No.8)Q.sArt-III-I (col.No.12)
27.55405224989
24.55378
255469
275834
27.55925
  1. Amendment in Table No.5(Air Force) (attached with MoD letter No.1 (14)/2012/D(Pen/Policy) dated 17.01.2013):- the existing figure in the respective column may be replaced by the figure as mentioned in the table below:-
Q.S.
16
6. The provisions of this letter shall take effect from 24.9.2012.
7. This issues with the concurrence of the Finance Division of this 10(11)/2012/FIN/PEN dated 15.10.2014.
Hindi version will follow.
Sd/-
(Prem Parkash)
Under Secretary (Pension/Policy)
Source-http://www.desw.gov.in/sites/upload_files/desw/files/pdf/D%28Pension-Policy%29-25th-Nov-20140001.pdf
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14.2.15

Improvement in Pension of JCO/OR retired/discharged/invalided out of service prior to 1.1.2006

Improvement in Pension of JCO/OR retired/discharged/invalided out of service prior to 1.1.2006
No.l(13)2012/D(Pen/Policy)
Government of India
Ministry of Defence
Department of Ex-Servicemen Welfare
Dated: 25th November, 2014
To
The Chief of the Army Staff,
The Chief of the Naval Staff,
The Chief ofthe Air Staff.
CORRIGENDUM
Subject:- Implementation of Government decision on the recommendations of the Committee of Secretaries 2012 on the issues related to Defence Service Personnel and Ex-Servicemen – Improvement in Pension of JCO/OR retired / discharged / invalided out of service prior to 1.1.2006,
Sir,
While issuing this Ministry’s letter No. No.1(13)/2012/D(Pen/Policy) dated 17.1.2013 the rates of improved pension in respect of Honorary Commissioned Officers of DSC could not be included therein inadvertently. The same are provided as indicated below:-
(i) The rates of pension as indicated in Table No.6 (Army), attached with MoD letter No.1 (13)/2012-D(Pen/Policy), dated 17.1.2013 in respect of pre-1.1.2006 retirees JCO/OR granted honorary Commissioned Officer rank, are equally applicable to Honorary Commissioned Officers of DSC. Accordingly, the new Table No.11 (A) (DSC) has been added for Honorary Commissioned Officers of DSC as Annexure,
(ii) Revised rates of pension relating to NCs (E) as indicated in Table-I (Army), maybe applied in Table No,19 (Air Force) for NCs(E) TINDAL and HEAD TINDAL in place of existing rates,
(iii) In Columns 2,3, 4 and 5 of Table No.13 (Navy), for ranks Art-IV and Art III-I; for the period post 10.10.1997 read “group X” for “group ‘A,'”
2. The provisions of this letter shall take effect from 24.9.2012.
3. This issues with the concurrence of the Finance Division of 10(11)/2012/FIN/PEN dated 15.10.2014.
Hindi version will follow.
Sd/-
(Prem Parkash)
Under Secretary(Pension/Policy)
Revised Pension in respect of Pre:1-1-2006 retirees JCO/OR granted honorary commissioned Officer (DSC)
RANK
Length of Service (years)Subedar (Hony.Lt.) Subedar Major (Hony.Lt)Length of Service (Years)Subedar (Hony.Capt.) subedar Major (Hony.Capt.)
Revised Pension w.e.f.1-1-2006Revised Pension W.e.f24-09-2012Revised Pensionw.e.f 1.1.2006Revised Pension w.e.f24-9-2012
15818293731583949785
15.58387960815.5860410030
168591984216881410275
16.587961007616.5902410519
1790001031017923410764
17.592051054517.5944411008
1894101077918965411253
18.596141101318.5986311498
19981911248191007311742
19.5100231148219.51028311987
201022811716201049312232
20.5104321195120.51070312476
211063712185211091312721
21.5108411241921.51112212965
221104612654221133213210
22.5112501288822.51154213455
231145513122231175213699
23.5116601335723.51196213944
241186413591241217214189
24.5120691382524.51238214433
251227314060251259114678
25.5124781429425.51280114922
261268214528261301115167
26.5128871476326.51322115412
271309114997271343115656
27.5132961523127.51364115901
28 & above135001546528 & above1385016145
source-http://www.desw.gov.in/sites/upload_files/desw/files/pdf/D%28Pension-Policy-1%29-25-Nov-2014.pdf
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