s samvad - SBI Pensioners' Association (Mumbai Circle), Pune

SBI SBI PEN. PEN. ASSN.'S ASSN.'S SAMVAD
SAMVAD
ñQ>oQ> ñQ>oQ> ~±H$ ~±H$ noÝeZg© noÝeZg© Agmo{gEeZ Agmo{gEeZ (_w§~B© (_w§~B© gH©$b), gH©$b), nwUo nwUo `m§Mr `m§Mr J¥hn{ÌH$m
J¥hn{ÌH$m
g§dmX
g§dmX
_Zm_Zm§Mm _Zm_Zm§Mm _Zm_Zm§Mm _Zm_Zm§Mm _Zm_Zm§Mm _oi _oi _oi _oi _oi Owimdm Owimdm Owimdm Owimdm Owimdm Ÿ& Ÿ& Ÿ& Ÿ& Ÿ& ÛofmMm ÛofmMm ÛofmMm ÛofmMm ÛofmMm bdboe bdboe bdboe bdboe bdboe Zgmdm Zgmdm Zgmdm Zgmdm Zgmdm && && && && &&
gmXmgr gmXmgr gmXmgr gmXmgr gmXmgr à{VgmX à{VgmX à{VgmX à{VgmX à{VgmX {_imdm {_imdm {_imdm {_imdm {_imdm & & & & & dmX dmX dmX dmX dmX ZH$mo ZH$mo ZH$mo ZH$mo ZH$mo g§dmX g§dmX g§dmX g§dmX g§dmX Agmdm Agmdm Agmdm Agmdm Agmdm && && && && &&
Vol.-1 Issue - 7 OmZodmar> OmZodmar> 2009
2009
Mumbai Zonal Sub-Centre
Please read the Notice of Mumbai Zonal Subcentre’s
22 nd Annual General Meeting printed on Page
No.3. Please note that no separate Notice of the AGM
will be sent to the members.
g^mgX {_Ìm§Zmo,
2009 Mm dfm©a§^mMm hm A§H$ _mÌ AmnUmg _{hZm AIoarg
{_iV Agcm Var gdmªZm Zddfm©À`m ew^oÀN>m.
2008 gmc H$mimÀ`m CXamV H$m`_Mo JS>n Pmco. H$mhr KQ>Zm
A{^_mZmñnX KS>ë`m Va H$mhr CÛoJOZH$ Am{U g§VmnOZH$hr.
{~qOJ Am°qc{nH$_Yrc gwdU©nXH$mÀ`m àmárZo H«$sS>mjoÌmV Zdm
CËgmh {Z_m©U Pmcm, Va MmÝÐ`mZmÀ`m `eñdr CÈ>mUm_wio ^maVr`
d¡km{ZH$ Ho$dT>r ^amar KoD$ eH$VmV `mMo Xe©Z KS>co. CcQ> _§XrZo
_mÌ _moR>çm OcX JVrZo Am¡Úmo{JH$ joÌmVM Zìho AÝ` joÌmV
hmVnm` ngaco. nmR>monmR> nm{H$ñVmZZo ^maVmÀ`m _mZq~X§yda
Ho$cocm h„m. AZoH$ {Zînmn Ord ~ir nS>co. H$aH$ao, H$m_Q>o,
gmigH$a `m§À`mgma»`m VéU nmo{cg A{YH$mè`m§Mr hË`m Pmcr.
hm AmKmV hmoË`mMo ZìhVo H$ê$Z Jocm. H|$ÐmV Am{U _hmamï´>mVhr
gÎmmnmcQ> Pmcm. H|$Ðr` AW©_§Ìr åhUyZ _m.n§VàYmZm§Zr H$ma^ma
Amnë`m hmVr KoVcm. _hmamï´>mVcm ~Xc AmnUm gdmªZm R>mD$H$
Amho. ho gmao KS>co Var, H$mimcm Wm§~Uo R>mD$H$ ZgVo. Jocm Vmo
^yVH$mi Am{U Amcm Vmo àmáH$mi. `m àmáH$mimH$S>o Zdr g§Yr
åhUyZ nmhUo EdT>oM. _J Vo d¡`{ŠVH$, H$m¡Qw>§{~H$, amï´>r` OrdZ
H$moUVohr Agmo. _cm AmR>dVo Vr Ho$edgwVm§Mr H${dVm-"VwVmar'.
Ë`mV H$dr åhUVmo -
""àmáH$mc hm {demc ^yYa, gw§Xa coUr V`mV ImoXm Ÿ&
{ZO Zm_o Ë`mdaVr Zm|Xm, {dH«$_ H$m§hr H$am Mcm Va Ÿ&&''
JVdfmªMo qghmdcmoH$Z H$aVmZm d¡`{ŠVH$ OrdZmVcm AmT>mdm
OmZodmar> 2009 January 2009
j g§nmXH$s`
g§nmXH$s`
Price Rs. 3/-
_w§~B© _w§~B© g~²-g|Q>aÀ`m g~²-g|Q>aÀ`m g^mgXm§gmR>r g^mgXm§gmR>r {deof {deof gyMZm
gyMZm
nmZ H«$.3 da _w§~B© g~²-g|Q>aÀ`m 22 ì`m dm{f©H$ gd©gmYmaU
g^oMr ZmoQ>rg N>mnbr Amho. `m g^oMr doJir ZmoQ>rg g^mgXm§Zm nmR>dbr
OmUma Zmhr `mMr H¥$n`m Zm|X ¿`mdr.
Hearing of Delhi High Court case started on 15th Jan., 09
KoÊ`mcmhr _hÎd Amho. Ë`m g§X^m©V ^mJdVmVrc EH$ AmœmgH$
gw^m{fV AmR>dco Vo Ago -
""^moJoZ nwÊ`§ Hw$ecoZ nmn§ Ÿ& H$coda§ H$mcOdoZ {hËdm &
H$s{Vª {dewÕm§ gwacmoH$ JrVm§ & {dVmW _m_oî`{g _wº ~§Y: Ÿ&&''
`mVrc _hÎdmMo åhUOo ^moJm§À`mÛmao gËH$_m©Mo \$c Am{U
{ZîH$m_ gËH$_mªZr nmnmMm Zme hmoVmo. (Á`m§Mm nmnnwÊ`mda
{dœmg Zmhr Ë`m§Zr H$m`Xoera d ~oH$m`Xoera Agm AW© Ho$ë`mg
haH$V Zmhr.) Amnë`m g§KQ>ZoV AmVm gmaoOU gmR>rn{cH$S>Mo
Visit us at : www.sbipensionerspune.org e-mail : sbipenmumbai@yahoo.com
j
ZmhrV. H$mhr Zd{Zd¥Îm AOyZ VméÊ`mVM Amho. Ë`m§À`m H$V¥©Ëdmcm
Iyn dmd Amho. {Zd¥{ÎmdoVZ ho Ë`m§À`mgmR>r "gmo`' ZgyZ "g§Yr'
Amho ho _mÌ {ZpíMV. Zd{Zd¥Îmm§Zr g§KQ>ZoÀ`m H$m`©H«$_mV
g{H«$`nUo gh^mJr ìhmdo hr Anojm Va H$m`_MrM Amho. {edm`
ñdV:Mo åhUyZ H$mhr gmd©O{ZH$ {hVmMo CnH«$_ AgVrc Va,
"g§dmX'À`m _mÜ`_mVyZ H$idmdoV. AQ> \$ŠV EdT>rM Ë`mV
Om{hamV~mOr Zgmdr Va {dYm`H$ CnH«$_m§Mo Xe©Z KS>mdo.
{_Ìm§Zmo, g§nmXH$ "gd©kmZr' H$YrM ZgVmo. "g§dmX'Mo
g§nmXH$XoIrc Ë`mcm AndmX ZmhrV. Voìhm Amnë`m Anojm,
à{V{H«$`m (AJXr H$Qy> Agë`m Var) Adí` H$idm.
"g§dmX' ho g§KQ>ZoMo Ho$di _wInÌM Zìho Va ZoÌnÌ, H$U©nÌ
ìhm`cm hdo. H$maU ""nañna§ ^md`ÝV: lo`: na_dmßñ`W Ÿ&''
(^JdÒrVm) hoM AmnUmg gmYm`Mo Amho.
nwZü gdmªZm Zddfm©À`m ew^oÀN>m.
- - lrYa lrYa lrYa {dœZmW {dœZmW ghò~wÕo
ghò~wÕo

January 2009 SAMVAD
ñQ>oQ> ñQ>oQ> ~±H$ ~±H$ Am°\$ Am°\$ B§{S>`m B§{S>`m noÝeZg© noÝeZg© Agmo{gEeZ Agmo{gEeZ (_w§~B© (_w§~B© gH©$b), gH©$b), nwUo
nwUo
_w§~B© _w§~B© PmoZb PmoZb g~²-g|Q>a
g~²-g|Q>a
dm{f©H$ gd©gmYmaU g^oMr ZmoQ>rg
_w§~B© PmoZb g~²-g|Q>aMr 22 dr dm{f©H$ gd©gmYmaU g^m ~wYdma {X.18 \o$~«wdmar 2009 amoOr Xwnmar
12 dmOVm "lr {edmOr _§{Xa ZmQ>çJ¥h', ßbmPm {gZo_mg_moa, XmXa (n{ü_), _w§~B©-28 `oWo Am`mo{OV Ho$br
Amho. Var gd© g^mgXm§Zr `m g^og CnpñWV ahmdo. `m g^oV Imbrb H$m_H$mO hmoB©b.
H$m`©H«$_ H$m`©H«$_ H$m`©H«$_ n{ÌH$m
n{ÌH$m
1) JVdfuÀ`m dm{f©H$ gd©gmYmaU g^oZ§Va Á`m _¥V g^mgXm§Mr Zm§do Agmo{gEeZbm H$i{dbr
AmhoV Aem gd© _¥V g^mgXm§Zm lÕm§Obr dmhUo.
2) JVdfuÀ`m dm{f©H$ gd©gmYmaU g^oMm d¥Îmm§V _§Oya H$aUo. hm d¥Îmm§V "g§dmX' _m{gH$mÀ`m
Zmoìh|~a 2008 À`m A§H$mV à{gÕ Ho$bm Amho.
3) H$m`©H$mar _§S>imÀ`m 2008 gmbmÀ`m Ahdmbmg _§Oyar XoUo.
4) 22 \o$~«wdmar 2008 Vo 18 \o$~«wdmar 2009 `m H$mbmdYrV Á`m g^mgXm§À`m d`mg 75 df}
nyU© PmbrV/hmoVrb Aem gd© Á`oð> g^mgXm§Mm gËH$ma H$aUo.
5) Mmby KS>m_moS>t{df`r _m{hVr XoUo.
6) _mZZr` à_wI nmhþÊ`m§Mo ^mfU.
7) _mZZr` AÜ`jm§Mo ^mfU.
8) _m.AÜ`jm§À`m nadmZJrZo Am`Ë`m doiÀ`m {df`m§da MMm© H$aUo.
VgoM da C„oI Ho$boë`m g^mñWmZr Xwnmar 12&& dmOVm Amnë`m ~±Ho$Zo Am`mo{OV Ho$bobr
"noÝeZam§Mr g^m' (Pensioners' Meet ) hmoB©b. Amdí`H$VoZwgma `m noÝeZam§À`m g^ooooo oÀ`m doioV ~Xb
Ho$bm OmB©b `mMr H¥$n`m Zm|X ¿`mdr. Var g^mgXm§Zr `mhr g^og CnpñWV ahmdo hr {dZ§Vr. Amnë`m dm{f©H$
gd©gmYmaU g^oMr doJir ZmoQ>rg nmR>{dbr OmUma Zmhr `mMr H¥$n`m Zm|X ¿`mdr.
g. g. ~. ~. ~. JmoIbo JmoIbo
JmoIbo
à_wI goH«o$Q>ar
We keep growing each passing day adding to years.
Some grey hair and wrinkles upset us for the on-set of
senescence. Time passes ceaselessly. Our body, a God
given machine, undergoes wear and tear. But we are not
shunted like other machines. Our growing old adds
wisdom in us. Life's experiences enhance mellowness and
maturity. A fit mind is the key of a person's overall well
being. It is one's attitude towards life that matters most. A
negative attitude is sure sign of old age. It shows that the
person has really stopped growing in any gainful manner.
It speaks of his lost faith in himself and in everybody
around him. The first and the foremost thing is that you
REMAIN YOUNG AT HEART
have still the potentialities of life. The toils in your life are
never forgotten. Develop a positive mental attitude.
Take livey interest in the surroundings. Don't brood
over the past or dwell in the future. Enjoy the persent
perfectly. If you develop diverse interests in life, the
chances of enjoying long and healthy life are greater. Don't
think old age is a burden. Add 'LIFE' to your 'YEARS'.
Remain 'full of life' which will keep you healthy, happy
and peaceful. You are old only if you feel old. Young at
heart will remain young forever.
- C. N. Vazirani, Nagpur.
Mobile No.- 9822717498
2

State Bank Of India Pensioners’ Association
(Mumbai Circle), Pune
Mumbai Zonal Sub-centre
January 2009 SAMVAD
A/5, Swami Siddharth CHS Ltd.
S. V. Road, Naupada
Thane 400 602
Tel No.- 25446837
Dt : 15th January 2009
N O T I C E
The Managing Committee of the Mumbai Zonal Sub-Centre at its meeting held on the
10th January, 2009 has decided to hold the 22nd Annual General Meeting of our Association’s
Mumbai Zonal Sub-Centre on Wednesday the 18th February, 2009 at 12.00 noon at the following
address:-
Shri Shivaji Mandir (Natya Gruha), Opp. Plaza Theatre, N. C. Kelkar Path,
Dadar (W) Mumbai 400 028.
A G E N D A
1) To condole the death of Bank’s Pensioners/Family Pensioners/ Associate Members whose
names have been reported to us after the 22nd February 2008. Members are requested to
advise us the names and dates of death of members, if not found in the list to be read at the
time of AGM.
2) To confirm the minutes of the Annual General Meeting held on the 22nd February, 2008
(Minutes published in November 2008 issue of Samvad)
3) To honour senior members who have completed/will complete 75 years age between the
22nd February 2008 and the 18th February 2009 (both days inclusive)
4) Committee’s Report for the year 2008 to be read, discussed and adopted (A copy of the
report is enclosed)
5) To discuss the recent developments.
6) Speech of the Chief Guest.
7) Speech of the President.
8) Any other business with the permission of the Chair.
By order of the Managing Committee
S. B. Gokhale
Encl.: Report Principal Secretary
*********************************
Note :i)
Please bring a copy of “Samvad” issue for December 2008 and January 2009 along with
you for security purpose.
ii) Please inform other members, known to you, about this meeting.
iii) The meeting of the Bank’s Pensioners arranged by the Bank on the
18 th February 2009 will start at 12.30 noon at the same venue. (Due to excigencies of
services the timing may be changed.)
Important : As per our practice, a memorandum covering all the problems will be submitted
to the management well in advance to enable them to study and reply in Bank’s Meeting. Pensioners/
Family Pensioners are, therefore, requested to furnish their problems to us in writing so as to
3

January 2009 SAMVAD
reach us say before 12/02/2009, so that a consolidated memorandum will be put up to the Bank
Management to avoid direct questions/discussion with the management representatives in the
meeting. This is requested to adhere to the time schedule.
iv) Snacks will be served on the 3 rd Floor of the building as usual.
v) All seats in 'A' to'C' rows are reserved for special invitees. Members are requested to
please occupy the other seats.
Report of the Managing Committee of the Mumbai Zonal Sub-centre
for the year – 2008
The last Annual General Meeting of our Circle Association was held at Pune on the 1st August,
2008.
1) Managing Committee Meetings : During 2008, four Committee Meetings were held
which were well attended.
2) Condolences : We regret to advise the death of the members whose names have
3)
been/willbe published in various issues of ‘Samvad’. However, all the names will be read
at the time of AGM. We extend our heartfelt condolences to the bereaved families.
"May the departed souls of the members rest in peace"
Membership and Finance : During 2008, 197 new members were enrolled as against
717 new members in 2007 as under :
Patron Members : 105
Associate Patron Members : 85
Associate Benefactor Members : 1
Family Patron Members : 06
Family Benefactor Members : NIL
Total New Members Enrolled During 2008 : 197
Out of 197 New Members, the break up of old retirees and who retired during 2008 is as
under:-
Old Pensioners/Associate/Family Pensioners : 17
New Pensioners/Associate/Family Pensioners : 180
Total : 197
The office bearers/the Committee Members who have been instrumental for enrolling 197 new
members during the year are as under:-
S/Shri P.A. Lopes, S.W. Agarkar, S.M. Dharadhar, R.S. Rajiwadekar, P.S. Uchagaonkar, J.B.Pusalkar,
M. V. Nadkarni and Miss Neela V. Vyavaharkar.
Due to exit policy adopted by the Bank in 2007 there was increase in membership.
Some of the existing Pensioners/Associate Members/Family Pensioners have become patron
member by paying difference in the membership fee.We request our pensioners, family pensioners
and associate members who are yet to become patron member to do so by paying the difference.
A sum of Rs. 3,85,225/- has been collected during the year under report as against
Rs. 12,53,861/- during 2007.
The breakup of collection is as under:-
Admission Fee, Membership Fee Rs. 1,98,470
Donations received for Building Fund Rs. 79,399
Legal Fund Rs. 350
Distress Relief Fund Rs. 250
Misc. Donations Rs. 55,306
Samvad Magazine Rs. 700
Advt. in Samvad issue Rs. 50,750
Total Rs. 3,85,225
4

January 2009 SAMVAD
We are glad to state that several members have given donations for various reasons viz.
1) Excellent work done by the Association; 2) Daughter’s/Son’s marriage; 3) 70 th and 75 th
Birthday Ceremony; 4) In memory of beloved family members etc.
In this connection it is necessary to make a special mention of the following donees.
Name of Donor Amount Name of Donor Amount
Shri M.P. Khambete Rs. 12,500/- Shri Sorab Bhusania Rs. 10,000/-
Shri S. S. Kharkhanis Rs. 5,551/- Shri U.R. Dhuri Rs. 5,500/-
Shri H.A. Mistry Rs. 5,101/- A Well wisher Rs. 5,001/-
A Well wisher Rs. 5,001/- Shri P.H. Hansotia Rs. 5,001/-
Shri H.S. Hattangadi Rs. 5,001/- Shri R.V. Bhave Rs. 5,000/-
Mrs. Meena Shevade Rs. 5,000/- Shri K.V. Chitre Rs. 5,000/-
Smt. Meera Kulkarni Rs. 5,000/- Smt. Padmaja Mhadgut Rs. 5,000/-
Shri Sunil C. Mone Rs. 5,000/- Smt. Sarita S. Avad Rs. 5,000/-
We have to reimburse the cost of flat to the extent of Rs. 10 lacs to Head Quarters. We have so
far collected Rs. 7.09 lacs. Members are requested to kindly donate generously towards Building
fund.
4. Local Meetings : During the year 2008, Five meetings of the Pensioners were held as
under:-
Sr.No. Name of Branch Branch Manager Date of Meeting
1. SBI Andheri Branch (E) Shri Kulkarni 17-04-2008
2. SBI Virar Branch Shri Harish Chud Naik 26-07-2008
3. Dombivali (East) Branch Shri Dilip Kulkarni 17-09-2008*
4. SBI Dombivali (East) Branch Shri Dilip Kulkarni 28-11-2008
5. SBI Naupada Branch Shri Deepak Dandekar 05-12-2008
* At the instance of GM Network-II
The present progress about the revision of Pension / Family Pension etc. was explained to
the Pensioners. A session of questions & answers was also arranged during the meetings.
5. Court Cases : You are aware that Federation has supported a case filed by seven pensioners
in the High Court, New Delhi against Govt. of India/Reserve Bank of India/State Bank of India.
The case is adjourned to 12-1-2009. The prayers have been published in Samvad issue of November
2008. Federation has also initiated/impleaded in the cases filed at Hyderabad/Kerala/Nagpur and
Bangalore. The subjects included in these cases are 7th Bipartite retirees/Family Pension, 100%
Neutralization of DA. The Mumbai Circle will file case on “discrimination” in High Court of Judicature
Mumbai shortly.
6. IBI Employees Provident Fund Forefeiture A/c :
Since the Government’s approval is awaited, the Bank could not issue Circular for payment
of Rs.5000/- to the IBI retirees for the year 2007 and remaining amount in 2008.
7. Family Pension Scheme :
The Family Pension was introduced in the Bank w.e.f. 1-1-86 in consultation with the
RBI & prior approval of the Government of India and thereafter as pronounced by the Supreme
Court on 23-2-1989, which is identical to the 4th Central Pay Commission where D.A. upto 332
pts. was merged. Thereafter four bipartite settlements for revision of salary have taken place
however there was no revision in family Pension. Our Federation had been making persistent
efforts to revise the Family Pension. We have even filed a case against the Bank/Govt. of India in
the Nagpur Bench of Mumbai High Court. The working Staff Unions/Associations demanded
family Pension at Industry level where D.A. upto 600 pts. was merged in this context please
peruse article State Bank of India – Family Pension Scheme Then & Now written by Shri B.G.
5

January 2009 SAMVAD
Dandekar, President Federation of SBIPA which was published in Samvad in December 2008. The
Industry level family Pension is being implemented in a phased manner.
NOTE: In the case of part time employees, Family Pension at 30% Flat rate is necessary to
avoid anomalous position.
8. Fix Personal Pay (FPP) : Retirees under 8
6
th Bipartite Settlement will get 50% of FPP as
pension w.e.f. 1-5-2005 and D.A. will be paid on it. The development of Software to calculate and
include the FPP in Pension is in progress. This will be paid in due course.
9. SBI retired Medical Benefit Scheme :
The Review of the captioned scheme was published in Samvad Issue of April 2008. The list of
approved hospitals in Mumbai under retired employees medical benefit scheme and list of diagnostic
centres in Mumbai are as under:
Approved Hospitals in Mumbai
1. Wockhardt Hospital Ltd., Mulund
2. Bombay Hospital, Mumbai
3. Dr. Balabhai Nanavati Hospital, Mumbai
4. Shushrusha Hospital, Mumbai
5. Jasolk Hospital & Research Centre, Mumbai
6. Tata Memorial Cenre, Mumbai
7. R.G. Stone Urological Research Centre, Mumbai
8. M/s. P.D. Hinduja Hospital, Mumbai
9. M/s. Cumballa Hill Hospital, Mumbai
10. M/s. Prince Alikhan Hospital, Mumbai
11. M/s. Asian Heart Institute, Mumbai
Diagnostic Centres in Mumbai
1. Sidhava X Ray Clinic, Mumbai
2. Anita Pathology Laboratory, Churchgate, Mumbai
3. Sukhsagar Clinic, Opera House, Mumbai
4. Prakruti Polyclinic, Bandra (W), Mumbai
5. BSES Hospital, Andheri (W), Mumbai
6. Anjali Pathology Lab, Malad (W), Mumbai
7. Dr. Mopkar’s Diagnostic Lab, Nallasopara (W), Dist. Thane
8. Dr. Shah’s Diagnostic & Medical Research Centre, Ghatkopar (E), Mumbai
9. Sai Siddhi Diagnostic Centre, Nerul, Navi Mumbai
10. Clini Labs, Borivali (W), Mumbai
11. Shree Gangotri Polyclinic, Dombivli (W), Dist. Thane
12. Candes Pathology Laboratory, Borivali (W), Mumbai
13. Singhvi X-Ray Clinic, Borivali (W), Mumbai
14. Suyash Diagnostic Centre, Thane
Medical Checkup camp for SBI Pensioners was arranged at M/s. R.G. Stone Urology &
Laparoscopy Hospital, Khar, Mumbai 400 052 from November 2008 to January 2009.
On Federation Front
We are happy to inform all our Pensioner colleagues that the Governing Body of our Federation
which met at Bangalore on 15th and 16th December, 2007 has decided to launch heroic struggle to
resolve the long pending several demands/issues before the management and Government of
India, New Delhi. The Governing Body has adopted the resolution and constituted an Action
Committee to spearhed our movement. Shri V.M. Gokhale is one of the member of the Action
Committee on behalf of our Circle Association.

January 2009 SAMVAD
As discussed in 3 rd Action Committee Meeting held at SLC Hyderabad on 21-6-2008 the opinion
of the affiliates was that our Federation should be strong and vibrant in days to come. Accordingly
Action Committee and Coordination Committee met at Bangalore on 24-7-2008 for discussing the
pending issues/anomalies in respect of superannuation benefits.
The Meeting decided to pursue the following issues vigorously.
a) Resolving the issue of Pension in respect of retirees under 7 th B.S.
b) Anomaly relating to FPP (since resolved but payment is yet to be effected)
c) Upgradation of Pension in respect of earlier retirees
d) Pension at 50% of last drawn Pay
e) Commutation formula as per Industry Settlement
f) 100% DA neutralization for earlier retirees/Family Pensioners and
g) Family pension at 30% flat rate.
Since there was no progress in respect of the above demands, both with the Bank Management
and also the Government of India, Banking Deptt. New Delhi, it was decided to hold a day long
'Dharna' in front of Corporate Centre on 23 rd September 2008 in Mumbai and on 6 th October 2008
at New Delhi. All other affiliates also staged 'Dharna' at respective Circles. The fraternal support
and co-operation of the Staff Union and Officers' Association was sought for smooth implementation
of the programme.
Due to legal problems/hurdles the 'Dharna' programme at Corporate Centre was shifted to
Azad Maidan, Mumbai on 23 rd September 2008. Both the working Staff Union/Association
participated in Dharna. Retired Sr. Executives, viz. Mg. Director /CGMS/GM/Dy. GMS etc. participated
in Dharna. The number of participants was more than 600. The Historic Dharna at Mumbai on 23 rd
September 2008 will be written in golden letters in the History of the Pensioners movement. On
the same day a delegation under the leadership of Federation President Shri B.G. Dandekar,
discussed about our demand with Smt. Bharati Rao, Dy. Mg. Director & CDO Corporate Centre,
Mumbai and requested for early resolution of our demands. Smt. Bharati Rao assured the delegation
that the Bank is in continuous dialogue with the Government authorities and expect solutions to
some problems shortly. The Dharna was also arranged at Jantar Mantar, New Delhi on 6 th October
2008 where more than 600 Pensioners/Family Pensioners participated. After the Dharna programme,
the pensioners wentslogans were shouted in front of New Delhi LHO and Banking Deptt. Government
of India, New Delhi. This was a unique event and this is also a golden day, as this is the first time
that Pensioners marched on Parliament Street. The logistic support was extended by the working
Staff Union/Association.
Shri B.G. Dandekar, with the good offices of Shri R. Nagrajan, President of Chennai Circle
Pensioners’ Association sought an appointment on 30 th September 2008 at 3.00 p.m. with Shri
K.V. Eapen IAS Jt. Secretary (IR) Government of India, Deptt. Of Banking & Financial Services,
New Delhi. Shri B.G. Dandekar, President, Shri V.M. Gokhale, President SBIPA, Mumbai Circle,
and Shri H.R. Magon, General Secretary, SBIPA, Delhi Circle met Shri K. V. Eapen, IAS on 30 th
September 2008 at 3.00 p.m. Shri Dandekar explained how various anomalies have been cropped
after every salary revision since1987. Shri Eapen gave patient hearing to our issues for over one
hour and assured to look into the problems. Shri M.K. Malhotra Under Secretary, Banking Department
was also present in the Meeting.
As there was no progress in settlement of any of our problems from the Bank’s side, it was felt
necessary to have a follow up Meeting with Banking Dept. Officials. Accordingly a meeting was
arranged with Shri K.V. Eapen on the 19 th December 2008 to understand the Government’s thinking
on the various matters. The Federation was represented by Sarvashri B.G. Dandekar, V.M. Gokhale,
and P.K. Pathak, from Delhi Circle (in place of Shri H.R. Magon).
The following issues were again explained in detail.
a) Denial and recovery of dearness relief to a group of retirees whose pensionable service
ceased prior to 1-11-1987;
b) Lowest i.e. 31% of pay as pension to a group of pensioners whose pensionable service
ceased during 1-11-1987 and 31-10-1993;
7

January 2009 SAMVAD
c) Fixed Pension (Rs.4250 p.m.) to all Officers under various categories, during 1-11-1993
and 28-2-1999;
d) Even after implementation of 50%-40% formula officers from Scale I to IV are getting one
fixed pension (Rs.4250 p.m.) although their salaries are different. There is no change even now.
e) Retirees between 1997 to 2002 are in receipt of pension calculated on pre-revised salary
though those who retired after 31-10-2002 are in receipt of pension calculated on the actual
salary of the employee at the time of retirement. In this connection time and again we requested
to know the reasons for this discrimination. However there was no reply.
We also brought to the notice of the officials the latest judgement of the Madras High Court on
this subject and requested to implement the directions of the High Court. However, we were told
that the matter has been referred to their Law Department for opinion. (We understand from the
Bank authorities that no appeal will be filed by the Bank)
f) We emphasized the need for extending the formula of ‘100% D.A. neutralization’ to all earlier
retirees;
g) We brought to the notice of the officials the anomalies in the payment of family pension
according to ‘Industry level formula’ and requested to adopt the formula of 30% (flat rate) of pay
as Family Pension identical to the recommendations of the 5 th Pay Commission;
h) We also brought to their notice that the former Dy. M.D’s gross pension is less than the gross
pension of a clerk who retired in 2006 and requested for updation of pension as implemented for
the pensioners of Government. However, the officials forcefully stated that this principle will not
be extended to the employees in the Banking Industry. When we cited Reserve Bank’s example,
they said that instructions have been issued to RBI to withdraw this facility.
As promised by Shri V. D. Deshpande, AGM, PPG Department, CC Mumbai, at the time of AGM
held on 22 nd February 2008, all the promises have been fulfilled except a booklet to be published
for retirees which is under print and would be issued to Pensioners in due course.
There are two SBI Pensioners’ Clubs functioning at Andheri (E) and Thane. Both the clubs are
undertaking excersion programme, speeches by the prominent persons, cultural activities etc.
In the Association Office the library is functioning which has more than 700 books. Shri Vasant
Kanhere is a librarian who functions efficiently.
Shri V.M. Gokhale, President SBIPA Mumbai Circle and Shri S.B. Gokhale, Principal Secretary
attended the AGM, Aurangabad Zonal Sub-centre at Dhule on 16-03-2008.
We thank Corporate Centre Executives, Staff of PPG Deptt. at Corporate Centre and Mumbai
LHO for their co-operation in solving our problems. We thank Shri Y.S.S. Kapdi/Shri B.B. Das,
Chief General Manager (HRD), Shri A.V. Deole, Dy. GM (IR), Shri K.K. Das, Dy. GM PPG, Shri S.B.
Lal/Shri Chopra, Chief Manger (Personnel), Shri V.D. Deshpande, AGM PPG Deptt., and Shri S.
S.Pradhan, Dy. GM (PRO), Shri Chintamani Mulay, PPG Deptt., all from Corporate Centre with
whom we had discussions regarding several problems.
We thank Dr. (Mrs.) V.M. Ajinkya, Chief Medical Officer and Shri V.M. Panchbhoy
Administrative Officer, Medical Deptt. Corporate Centre for their advices.
Further, we thank Mumbai Circle Authorities, specially Shri N. Raja, CGM, Shri Sunil Pant (GM),
Shri Sharad Sharma (GM), Shri.Abhay Kumar Singh, Shri.R.J.Ghatey, Shri Rajeev Lal, DGM &
CDO, and Shri A.G. Herlekar/Smt. Varsha Mondkar, AGM (Personnel & HRD); officers from Staff
Welfare cell at Mumbai LHO, Shri V. Sequira (PRO) Mumbai LHO, Shri A.M. Salvi, AGM PPG Deptt.
and Staff Members from PPG Deptt. Mumbai LHO., Mrs. Manisha Padhye, Sr. Medical Officer
Mumbai LHO.
We also thank Shri A. T. Bodele, AGM, ZO Mumbai, Mrs. Shailaja Gharat/Shri Kamat, CM
Personnel & HRD, Shri V. Vishwanathan, Dy. Manager, from Personnel & HRD and Welfare Cell,
Dr. Ramesh Nair, Sr. Medical Officer, Zonal Office, Mumbai for extending excellent co-operation to
our Association.
By Order of the Managing Committee
S. B. Gokhale
Principal Secretary
8

January 2009 SAMVAD
( We give below the corrected Table of Revision of Family Pension which was published on page 9 of December 2008 issue
for the information of the members)
Gross Family Pension on the basis of Salary revisions
from time to time with D.A. Merger to the extent of
100; 200; 332; 600; 1148; 1684 & 2288 points (CPIN – 1960 = 100) as on 31-12-2007
Existing Gross Revised Gross
Category 100 200 332 600 1148 1684 2288
1 2 3 4 5 6 7 8
Subordinate-Staff 2735 2735 2735 2217 2212 2217 2378
Clerical 2735 3459 4104 2956 2958 2963 3220
JMGS-I (Sub Acctt.) 3882 4991 4104 3439 3549 3751 4088
MMGS-II 5015 4991 4138 3735 3840 4052 4450
MMGS-III 5656 4991 4572 3735 3935 4152 4570
SMG-IV 5656 4991 4646 3956 4033 4252 4690
SMG-V 5656 4991 4863 4360 4418 4652 5172
TEGS-VI 5656 4991 5217 4804 4881 5095 5701
TEGS-VII 5656 5409 5405 5139 5401 5611 6197
Spl.Gr-I (CGM)
Spl.Gr-II
5656 5666 5493 5286 5555 5927 6197
Dy. M.D. 6134 5779 5641 5434 5709 6183 6197
`w{ZQ> `w{ZQ> dmVm©
dmVm©
gm gmocmnya gm ocmnya `wZrQ> `wZrQ> `wZrQ> : :
: gmocmnyamVrc ñQ>oQ> ~±Ho$À`m ~mirdog emIoÀ`m cwQ>cm. n§{S>V OmoOmao `m§Zm Ë`m§À`m `m Acm¡{H$H$ N>§XmgmR>r
eVH$_hmoËgdr dfm©{Z{_Îm {d{dY CnH«$_ am~{dco OmV AmhoV. Agmo{gEeZ V\}$ hm{X©H$ ew^oÀN>m.
Ë`mMmM EH$ ^mJ åhUyZ {X. 23 Zmoìh|~a 2008 amoOr `oWrc
- - - Vå_m Vå_m Vå_m nmQ>rc, nmQ>rc, goH«o$Q>ar
goH«o$Q>ar
{hamM§X Zo_M§X dmMZmc`mÀ`m A±\$s {WEQ>a _Ü`o EH$ AmJimdoJim
Agm "JmVm-JmVm {MÌ{Z{_©Vr' Mm H$m`©H«$_ gmXa H$aÊ`mV
Amcm. `m A§VJ©V Amnco EH$ g^mgX n§{S>V A{dZme OmoOmao, Oo
CÎm_ g§JrV gmYH$ d {MÌH$mahr AmhoV, `m§Mm JmVm-JmVm {MÌ
H$mT>Ê`mMm d¡{eîQ>çnyU© H$m`©H«$_ Pmcm. dfm© F$VyVrc nmdgmir
amJm§Mo Amcmn d VmZm KoV, Amamoh-Adamohm§Mm ~hmaXma dfm©d H$arV,
hmVmVrc Hw§$Më`mZo g_maoÀ`m H°$Zìhmgda a§Jm§Mr ~o{_gmc CYiU
H$arV, Am^mimV XmQ>coë`m Z^m§À`m JXuVyZ Yaoda PonmdUmè`m
OcYmam§Mo gw§Xa "{MÌ{eën' gmH$maÊ`mMo H$m¡eë` n§.OmoOmao `m§À`m
hmVmVyZ àH$Q> hmoVm§Zm nmhÊ`mMm AmZ§X CnpñWV lmoË`m§Zr KoVcm.
gya, Vmc d c` `m§À`m AdKS> Jw§Ë`mV Z Jw§VVm Ë`mVyZ A{cá
hmoD$Z, hmVmVrc Hw§$Më`mZo {MÌ aoImQ>Vm§Zm a§JmV a§JyZ OmVm§Zm
n§.OmoOmao V„rZ hmoVmV. VgoM Ë`m§À`m gmjrXmam§Zmhr Xwhoar AmZ§X
{_idyZ XoVmV Am{U "Jw§Ë`mV Jw§VyZr gJù`m nm` _mPm _moH$im&
a§JmV a§JwZr gJù`m a§J _mPm doJim &&' `m H${d gwaoe ^Q>m§À`m
H$mì`n§{ŠVMrM AmR>dU H$ê$Z XoVmV. ñQ>oQ> ~±Ho$À`m ~mirdog
emIoVrc lr.{c_`o gmho~m§À`m CnpñWVrV ~±Ho$Mo H$_©Mmar,
noÝeZg© d BVa a{gH$m§Zr `m A{dñ_aUr` H$m`©H«$_mMm AmZ§X
S>m|{~dbr S>m|{~dbr `wZrQ> `wZrQ> `wZrQ> : :
: 1) 17 gßQ>|~a 2008 amoOr _m.lr.A^`qgJ,
OZab _°ZoOa (ZoQ>dH©$-2) `m§Mo CnpñWVrV, S>m|{~dbr (nyd©)
emIoMo emIm{YH$mar lr.{Xbrn Hw$bH$Uu `m§Zr ~±Ho$À`m
{Zd¥ÎmrdoVZYmaH$m§Mr EH$ g^m Am`mo{OV Ho$br hmoVr. `m g^oV
lr.Za|Ð ^UJo, arOZb _°ZoOa d lr.nmQ>rb, emIm{YH$mar,
E_.Am`.S>r.gr.S>m|{~dbr emIm, ho hr CnpñWV hmoVo. gd© _mÝ`dam§Mm
nwînJwÀN> XoD$Z gËH$ma Pmë`mda lr.AmJaH$a `m§Zr
noÝeZam§À`m H$m§hr AS>MUr _m§S>ë`m. Ë`mV àm_w»`mZo, XwX©¡dmZo
EImÚm H$_©Mmè`mMm _¥Ë`w Pmë`mda Ë`mÀ`m nËZrg \°${_br
noÝeZgh àm°pìhS>§Q> \§$S> B. {Zd¥ÎmrZ§VaMo gd© \$m`Xo bdH$amV
bdH$a {VÀ`m ahmÊ`mÀ`m {R>H$mUmOdirb ~±Ho$À`m emIoV
{_iÊ`mMr ì`dñWm hmoUo Amdí`H$ Agë`mMm C„oI Ho$bm.
_mÝ`dam§Zr gd© CnpñWV noÝeZg©Zm g§~mo{YV H$ê$Z Ë`m§À`m
AS>MUr àmYmÝ`mZo gmoS>{dÊ`mMo AmídmgZ {Xbo. g^oZ§Va ~±Ho$V\}$
AënmonhmamMr d MhmnmZmMr CËH¥$ð> ì`dñWm Ho$br hmoVr.
2) {X.28 Zmoìh|~a 2008 amoOr S>m|{~dbr (nyd©) emIoMo
emIm{YH$mar lr.{Xbrn Hw$bH$Uu `m§Zr ~±Ho$À`m
9

January 2009 SAMVAD
{Zd¥ÎmrdoVZYmaH$m§Mm EH$ _oimdm Am`mo{OV Ho$bm hmoVm. `mhr dmQ>nhr Ho$bo. Amnbo Á`oð> gXñ` lr._Yy amZS>o `m§Zr H$m`©H«$_mMm
_oimì`mg noÝeZam§Mr CnpñWVr (76) Mm§Jbr hmoVr. `m g^oV àW_, g_mamon H$aVm§Zm S>m°.Xodao d Ë`m§Mo ghH$mar `m§Mo _Z:nyd©H$ Am^ma
_w§~B©darb ZwH$Ë`mM Pmboë`m A{VaoH$s hëë`mV ehrX Pmboë`m _mZbo. VgoM lr.AemoH$ Hw$bH$Uu, ghm._hmì`dñWmnH$, `m§Zr
gd© H$_m§S>moO², nmobrg A{YH$mar/g¡{ZH$ d {ZanamY ZmJ[aH$m§Zm ~±Ho$Mo g^mJ¥h H$m`©H«$_mgmR>r CnbãY H$ê$Z {Xbo d ñdV:
lÕm§Obr dmhÊ`mV Ambr. emIm{YH$mar lr.{Xbrn Hw$bH$Uu ho CnpñWV am{hë`m~Ôb Ë`m§Mohr Am^ma _mZbo. lr.Omoer `m§À`m
XmoZ {Xdgm§Z§Va {Zd¥Îm hmoUma Agë`mZo Ë`m§Zm ew^oÀN>m XoD$Z "ngm`XmZmZo' H$m`©H«$_mMr gm§JVm Pmbr.
Pmë`mda, Z{dZ emIm{YH$mar åhUyZ Amboë`m lr.YmadmS>H$a
- - dm_Z dm_Z ~oio, ~oio, goH«o$Q>ar
`m§Mo ñdmJV lr.Om§Xo `m§Zr nwînJwÀN> XoD$Z Ho$bo. lr.YmadmS>H$a gmVmam gmVmam gmVmam `wZrQ> `wZrQ> `wZrQ> : :
: gmVmam `wZrQ> Xa _{hÝ`mÀ`m 10 VmaIog
`m§Zr Amnë`m ^mfUmV, AmVmn`ªV noÝeZg©Zm `mAmYr Ogo ñWm{ZH$ g^mgXm§Mr g^m {Z`{_VnUo Am`mo{OV H$aVo. Joë`m
emIm{YH$mar d H$_©Mmè`m§H$Sy>Z ghH$m`© {_imbo VgoM ghH$m`© {S>g|~a _{hÝ`mÀ`m g^oV, Amnbr Agmo{gEeZ/\o$S>aoeZ
`mnwT>ohr {_iob Ago AmídmgZ {Xbo. VgoM JXuÀ`mdoir noÝeZ{df`H$ àb§{~V _mJÊ`m§À`m g§X^m©V H$arV Agboë`m
noÝeZg©gmR>r doJio H$mC§Q>a CKSy>Z gw{dYm XoÊ`mMo à`ËZ à`ËZm§~Ôb _m{hVr XoD$Z Pmë`mda, gd© g^mgXm§Zr _w§~B© `oWo
H$aÊ`mV `oVrb Ago gm§{JVbo. lr.AmJaH$a `m§Zr lr.Hw$bH$Uu 26 Vo 29 Zmoìh|~a 08 À`m Xaå`mZ A{VaoŠ`m§Zr Ho$boë`m hëë`mMm
`m§Zm gdmªV\}$ ew^oÀN>m XoD$Z Amnë`m g§KQ>ZoMo bJoMM g^mgX Vrd« eãXmV {Y¸$ma H$ê$Z, Ë`mV _¥Ë`w_wIr nS>boë`m g¡{ZH$m§Zm,
H$ê$Z KoD$Z ñdmJV Ho$bo.
H$_m§S>m|Zm, nmo{bgm§Zm d {ZanamY ZmJ[aH$m§Zm lÕm§Obr dmhÿZ
darb XmoZhr g^m§À`m `eñdr Am`moOZmV lr.Om§Xo, Vem Ame`mMm R>amd nmg H$aÊ`mV Ambm.
lr.\$S>Ho$ d lr.O_X¾r `m ñWm{ZH$ H$m`©H$Ë`mªZr Mm§Jbo `moJXmZ
{Xbo. VgoM lr.doMboH$a `m§Zr `màg§Jr ê$.1001 Mr
- Eg.Eg.Xoen Eg.Eg.Xoenm§S>o,
Eg.Eg.Xoen m§S>o, AÜ`j
Agmo{gEeZbm XoUJrhr {Xbr.
Amnë`m \o$S>aoeZÀ`m AmdmhZmà_mUo {X.23 gßQ>|~a 2008
amoOr Pmboë`m "YaUo YaUo YaUo' YaUo H$m`©H«$_mV S>m|{~dbr `wZrQ>À`m 40
H$m`©H$Ë`mªZr ^mJ KoD$Z Amnë`m gH©$bMo AÜ`j
Shri. M. M. Sharma, retired Dy. Gen.
Manager, who has now settled in Pune, was
the Chief Guest at the Annual General
Meeting of our Chandigarh Circle
lr.ìhr.E_.JmoIbo `m§MoH$Sy>Z dmhdm {_idbr.
Pensioners' Association which was held on
- gw^mf gw^mf AmJaH$a, AmJaH$a, AmJaH$a, ghm.H$m`©dmh (_w§~B©) 16th November 2008 at Chandigarh. While
Zm{eH$ Zm{eH$ `wZrQ> `wZrQ> `wZrQ> : :
: Amnë`m Zm{eH$ `wZrQ>À`mdVrZo d Zm{eH$amoS> addressing the gathering Shri.Sharma
`oWrb "Amo_ hm°pñnQ>b' `m§Mo g§`wº$ {dÚ_mZo, {X.21 gßQ>|~a 2008 thanked the Chandigarh Circle
amoOr Amnë`m Zm{eH$ _w»` emIoÀ`m g^mJ¥hm_Ü`o, Association's office-bearers for giving him
ghm._hmì`dñWmnH$ lr.AemoH$ Hw$bH$Uu `m§Mo CnpñWVrV
"g§{YdmV d JwS>KoXwIr' `m {df`mda S>m°.Xodao `m§Mo ì`m»`mZ d
"VnmgUr' {e~ramMo Am`moOZ Ho$bo hmoVo. Ë`m AmYr 3 {Xdg A{Ve`
OmoaXma nO©Ý`d¥ï>r_wio, R>a{dbobm H$m`©H«$_ hmoB©b H$s¨ Zmhr `mMr
e§H$m hmoVr. nU déUamOmZo {dlm§Vr KoVë`mZo H$m`©H«$_ ì`dpñWV
nma nS>bm. A§XmOo 75/80 gXñ`m§Zr `m g§YrMm bm^ KoVbm.
"Amo_ hm°pñnQ>b' Mo S>m°.Vwfma Xodao `m§Zr Amnë`m AmoKdË`m
e¡brV OdiOdi 2 Vmg "g§{YdmV' d Ë`mMo àH$ma `m{df`rMr
g{dñVa _m{hVr "{MÌ-{\$VrMo' ghmæ`mZo {Xbr. VgoM AmYw{ZH$
g§JUH$s` eó{H«$`m§MoÛmao JwS>KoXwIrda _mV H$ê$Z gm_mÝ`
Am`wî` CVmad`mV OJVm `oD$ eH$Vo Agm {Xbmgm CnpñWVm§Zm
{Xbm. Ë`mM~amo~a gXñ`m§Zr CnpñWV Ho$boë`m e§H$m§Mo `mo½`
nÕVrZo {ZagZhr Ho$bo. 20/22 gXñ`m§Zr `m {e~ramV VnmgUr
an opportunity to meet the old colleagues
from his parent Circle and interact with
them. He apprised that the Government
machinery still does not appear to be
inclined to accept our legitimate demands
for revision of pension of 7th Bipartite
retirees and earlier pensioners. He
conveyed his good wishes for purposeful
discussions on various issues confronting
the pensioners. The Association conveyed
its gratitude to Shri.M.M.Sharma and
presented a shawl and a bouquet while
honouring him on the occasion.
(courtesy - Chandigarh Circle Assn's magazine
H$ê$Z KoD$Z S>m°.Xodao `m§Zr Ë`m§Zm Cnm` d CnMma gwMdyZ Am¡fYm§Mo "S.B.I.Pensioners Mail" - November 2008 issue)
10

January 2009 SAMVAD
(We reproduce below the Corporate Centre's Circular No.NBG/BOD-GB/20/2008-09
dated 06-08-2008 on Service Charges for non-home transactions)
WHICH ARE EXEMPT FOR PENSIONERS OF OUR BANK
Personal Banking Business, Rationalisation of Service Charges,
Inter-Core Transactions Non-home transavtions
Please refer to e-Circular No.NBG/BOD-GB/50/2007-08 dated 09-01-2008. it has been decided by the
competent authority to revise the service charges of inter-core transactions as detailed below.
Sr. No. Facility Maximum Amount Charges
i) Deposit of cash at non-home Rs.25,000/- per day Rs.2/- per 1000. Min Rs.25/- per
branches transaction
ii) Deposit of cheques at home / No Limit Intracity, Intercity (per transaction)
non-home CBS Branch, drawn on Upto Rs.20,000/- - free;
any CBS branch / other Banks Above Rs.20,000 & upto Rs.5.00 lac -
Rs.1.50 per 1000. Above Rs.5.00 lac
Rs.1/- per 1000.Min Rs.750/-. and
Max Rs.1,250/iii)
Deposit of clearing instruments at
non-home CBS Branch, drawn on
non-CBS branch / other Banks
No Limit Same as above
iv) Encashment of cheque at non-home Cash withdrawal (by the Free
branch account holder) :
Rs.50,000/- per day.
Transfer to another SB / CA
at another CBS Branch
Same charges as in term (ii) above
Issuance of draft / B.Ch./TT Same charges as in item no.(ii)
above + Issuance charges.
v) Transfer of funds from home branch
to third party accounts at another
CBS Branch
No Limit Same charges as item (ii) above
vi) Pass-book updation at non-home
branch
---- Rs.10/- per pass-book
Note :
a) Charges are to be recovered from the account where the credit is afforded. However, no recovery shall be effected
from the accounts of Vishesh Customers and holders of Savings Plus and Premium Savings Accounts.
b) Charges recovered are to be credited to the branch which puts through the transaction.
c) Transactions put through at non-home branches, where both the legs (debit and credit) involve inter core transactions
at out-station branches; will be charged for one leg only.
d) Circles have the discretion to reduce the maximum cash withdrawal limit per non-home transaction at non-chest branches.
e) Non-home transactions will be allowed to be conducted without any service charge from all staff/
pensioners and staff of Associates.
f) Specialized branches like SPBs and PBBs are exempted from doing non-home transactions.
g) Special Branches like Core-Power branches will do all non-home transactions without charging any fee.
2. GIT Centre is trying to incorporate the charges in the software itself by 01-09-2008. In case the charges are not
effected by them, the branches should be in a position to recover the charges manually.
3. While we are arranging to display the revised service charges on Bank's intranet / website, please arrange to
display the charges on Branch Notice Boards for information of the public immediately.
4. please arrange accordingly.
Sd/-
For Dy. Managing Director & Group Executive (NB)
(Courtesey - SBI Elders Voice, magazine of Chennai Circle Pen.Assn.)
11

j _moMm© hr _moMm©
H$mhr _{hÝ`m§nyduMr Jmoï>. ñQ>oQ> ~±H$ noÝeZg© Agmo{gEeZV\}$
"Iao' gmho~m§Mm \$moZ Amcm. åhUmco, ""Amnë`m noÝeZ
[apìhOZgmR>r Oo à`ËZ gwê$ AmhoV, Ë`m g§X^m©V _°ZoO_|Q>cm
EH$ "_moR>m YŠH$m' Úm`Mm Amho. EH$ "YS>H$ _moMm©' H$mTy>Z Zar_Z
nm°BªQ> `oWrc _w»` H$m`m©c`mg_moa "YaU§' YaÊ`mMr _mo{h_ AmIcr
Amho. Voìhm OmñVrV OmñV g^mgXm§Zr, {deofV: _{hcm§Zr `m_Ü`o
gh^mJr ìhmd§ Ag§ Amåhmcm dmQ>V§.''
Am_À`m "ìhr Ama Eg' J«wnZo EH$_oH$m§Zm \$moZm\$moZr Ho$cr
Voìhm Agm gya {ZKmcm- "g§KQ>ZoMo Ago \$moZ Ooìhm `oVmV Voìhm
AmnU EH$Va H$mZmS>moim Var H$aVmo qH$dm H$mhrVar g~~r Var
nwT>o H$aVmo, nU Ë`m§À`m H$ï>m§_wio {_iUma§ cmoUr Im`cm _mÌ
gJù`m§MoM hmV nwT>o AgVmV, Voìhm `m Ionocm Var OmD$Z ~Ky`m.'
`m "nwiŠ`m_mJMr' Iar Jmo_ Aer hmoVr H$s, " `m Am§XmocZmcm
OmñVrV OmñV à{VgmX {_imdm åhUyZ g§KQ>ZoÀ`m "R>mUm' emIoZo
EH$ ~gM ~wH$ Ho$cr hmoVr. Pmc§M Va nmoQ>nyOoMrhr ì`dñWm Ho$cr
hmoVr. Ë`m_wio \w$H$Q>Mr _w§~B© Xe©Z ŸQ´>rn Am{U Agmo{gEeZcm
nmqR>~m Ag§ Xwhoar nwÊ` nXamV nS>Uma hmoV§. EdT>§ hmoV§ VargwÕm
{Zåå`m ~m`H$m Jië`mM.
~g_Yë`m Mmirg OUmV {Zå_m J«wn Am_Mm hmoVm. cdH$a
Amdam`Mr gd` gwQ>ë`mZo, gH$miMr gmS>oAmR>Mr doi JmR>VmZm
Ia§Va Am_Mr X_N>mH$M Pmcr. nU ~g gwQ>ë`mda, WmoS>çmM
doimV {IS>H$sVyZ `oUma§ dma§ Am_À`m H$mZmV ^am`cm cmJc§.
{ccdmZr gmho~m§Zr A§VmjarMr Qy>_ H$mT>cr Am{U Jio _moH$io
hmoD$ cmJco. hiyhiy ghcrMm _yS> O_y cmJcm. Varhr nwT>o ~gcoco
Á`oð> _mÌ, AmR>dUrZo ~amo~a AmUcocm nona CKSy>Z, ñdV:À`mM
H$mofmV Jwa\$Qy>Z ~gco hmoVo, AH$ñ_mV Ë`m pñWVàkm§n¡H$s EH$,
åhUOoM Eg.Or.Xm§S>oH$a gmho~ "nrN>o _wS>' H$aV C^o am{hco Am{U
Ë`m§Zr MŠH$ JmU§ åhUm`cm gwê$dmV Ho$cr. "Ë`m gmdù`m VZyMo
_O cmJco {ngo J....' Am{U Am_Mr ~mocVrM ~§X nS>cr.
JmU§ g§në`m~amo~a Q>mù`m§Mm nmD$g nS>cm Am{U Am_À`m
Or^oda "AdYyV Jwáo' ñdma Pmcm. cB ^mar, Mm~yH$, EH$X_ \$§Sy>,
dm amd nma ~wŠH$m nmS>cmV H$s, _moSy>Z-VmoSy>Z Mmoim_moim H$ê$Z
\o$Hy$Z {Xc§V Vwåhr Amåhmcm... B.B. Ia§ Va `m JmÊ`mV {deof
haH$Vr ZmhrV Var XoIrc Hw$Urg§ åhUmc§ H$s Vw_À`m JmÊ`mVyZ
VmZm-_waŠ`m \ ma N>mZ `oV hmoË`m åhUyZ..... EHy$U H$m` Va
gJioM gwQ>co hmoVo. H$mhr dfmªnydu [aOZc Am°{\$g_Ü`o H$m_
H$aUmè`m `m H$S>H$ BórÀ`m gm`~mÀ`m Ho${~Z_Ü`o {eaVmZm AmV-
~mhoa H$aUmè`m Amåhr AmO Ë`m§Zm em~mgH$s XoÊ`mEdT>çm eyadra
Pmcmo hmoVmo. H$maU AmVm Amåhm gdmªÀ`m H$m°cadarc co~c EH$M
January 2009 SAMVAD
hmoV§, "ñQ>oQ> ~±H$ noÝeZa.'
~g _Ü` _w§§~B©hÿZ OmD$ cmJcr, Ver nai ^mJmV ~mcnU
Jocoë`m ^maVrÀ`m A§JmV dralr g§Mmacr. S>mdrH$S>o ~Km, Vr C§M,
Zdr B_maV {XgVo` Zm, {VWo nydu qhX_mVm {WEQ>a hmoV§. Ë`mÀ`m
_mJo Amho Vr "Ah_X goca {~{ëS>§J.' Amnco _Zmoha Omoer nydu
BWoM ahmV. {VMr aqZJ H$m°_|Q´>r gwê$ Pmcr Am{U Amåhr Q>H$_H$
Q>H$_H$ ~Ky cmJcmo. nU {VÀ`m ~moQ>mÀ`m {XeoZo Amåhr ~Kon`ªV
~g nwT>o {ZKyZ Om`Mr Am{U _J CJrMM "{Xgcm J§ ~mB© {Xgcm'
`m Vmcmda Am_À`m _mZm ImoQ>çm ImoQ>çm S>mocm`À`m. amUrMm ~mJ
~KVmZm (AWm©V² ~mhoê$ZM) Va _mÂ`m _ZmV {Vgar H$ À`m Q´>rnMr
AmR>dU AJXr XmQy>Z Amcr.
Ë`m AmR>dUtÀ`m Vmaoda ñdma AgVmZmM Am_Mr ~g hoS>
Am°{\$g g_moa Wm§~cr. {VWo nmohmoMë`mda ^cVrM ~mV_r H$mZmda
nS>cr, "~±Ho$Zo åhUo, amVmoamV hm`H$moQ>m©H$Sy>Z H$m`m©c`mÀ`m
AmdmamV _moMm©-~§Xr hþHy$_ {_idcm hmoVm.' Amåhmcm Km~aco ~hþVoH$.
nU Amåhr H$mhr _oë`m AmB©M§ XyY ß`mcmo ZìhVmo. Am_Mmhr {Zü`
R>acm. "h_ YaU§ YaZo AmE h¢ Ÿ& YaU§ YaH$ahr ah|Jo Ÿ&'
VodT>çmV Am_À`m ZoVo_§S>irV Ic~V§ Pmcr Am{U "AmPmX'
_¡XmZmda g^m ¿`m`M§ R>ac§. Ë`mZwgma Amåhr nwÝhm EH$Xm ~g_Ü`o
{eacmo Am{U BH$Sy>Z {VH$S>o nmohMcmo. AmÎmmn`ªV `m _¡XmZmM§ Xe©Z
\$ŠV XyaXe©Zdarc ~mVå`m§_YyZ KS>c§ hmoV§ qH$dm Ë`mg§~§Yr
d¥ÎmnÌm§VyZ dmMc§ hmoV§. nU àË`j ^oQ>rMm `moJ Agm AZno{jVnUo
OwiyZ Amcm.
àdoeÛmamnmerM "^mS>moÌr a{hdmer g§KmMm' _oimdm ^acocm
{Xgcm. nwT>M§ ñQ>oO, _hmamï´> amÁ` {Oëhm n[afXoÀ`m ZoË`m§Zr
ì`mnc§ hmoV§. Ë`m§Zr hr OmJm åhUo AJmoXaM ~wH$ Ho$cr hmoVr.
Ë`m§À`mg_moa BVa H$_©Mmè`m§g_doV A§JUdmS>r {e{jH$m§Mm _moR>m
g_wXm` CÝhmV VinV ~gcm hmoVm. cmD$S>ñnrH$ada AmdoenyU©
^mfU§ gwê$ hmoVr..
gmdcrVcm EH$ H$monam nH$Sy>Z Amåhr \$VH$c _macr Am{U
Q>mB_nmg åhUyZ ~amo~a Zococ§ À`mD$-å`mD$ Vm|S>mV Q>mH$m`cm
gwê$dmV Ho$cr. VodT>çmV Hw$UrVar åhUmc§, gm§^miyZ Im ~a§. BWo
\$moQ>moJ«m\$a {\$aVm`V. CÚm "AmYr nmoQ>mo~m Am{U _J {dR>mo~m' `m
hoS>tJImcr Vw_Mm \$moQ>mo nonamV PiHo$c, Voìhm gmdYmZ. AWm©V²
`m {M„ÿ-{n„ÿ Bemè`mZo ImXrMr Midi H$mhr Wm§~cr Zmhr, nU
gmdY Pmcmo BVH§$M.
AmË_m em§V Pmë`mda "J§_V' åhUyZ Amåhr eoOmè`m§À`m
AmdmOmV AmdmO {_gicm. "AmJo ~T>mo h_ Vwåhmao gmW h¡ Ÿ&
qPXm~mX, _wXm©~mX, Omo h_go Q>H$amEJm, {_Å>r_| {_c OmEJm,
AmdmO Xmo, h_ EH$ h¡'.... B. B. ehmÊ`mgwaË`m _mUgm§Zr Z _mJVm
12

{Xcocm hm gnmoQ>© ~KyZ Vr _§S>ir J{hdacr Am{U Ë`m§Zr CXmanUo
AÜ`m© VmgmMm ~«oH$ KoD$Z Am_À`m crS>g©H$S>o Amncm _mB©H$
gmondcm. `m doimM§ gmoZ§ H$aV Am_À`m Agmo. AÜ`j
~r.Or.Xm§S>oH$a gmho~ `m§Zr `m Am§XmocZmg§X^m©V Amåhmcm AnQwS>oQ>
Ho$c§. {Xcoë`m doiocm OmJyZ, BVa dŠË`m§Zrhr doioV AmdaV§ KoVc§
Am{U WmoS>çmM doimV AënmonhmamMr nmH$sQ>o EH$_oH$m§H$S>o nmg
hmoD$ cmJcr.
I_§J dS>çm§~amo~a Jßnm§Zmhr a§J MT>cm. `m _moMm©gmR>r Am_Mo
noÝeZa {_Ì, nwUo, Zm{eH$, Am¡a§Jm~mX, ZmJnya, Jmodm Ago cm§~yZ
cm§~yZ Amco hmoVo, {Zd¥ÎmrZ§Va _w§~B© gmoSy>Z BVaÌ ñWmB©H$ Pmcoë`m
`m _§S>itMr `m _moMm© {Z{_ÎmmZo "am_-^aV' ^oQ> KS>cr Am{U _Z§
_moH$ir hmoD$ cmJcr.
"coH$m, Joë`m _{hÝ`mV ewJa EdT>r dmT>cr H$s dmQ>c§ AmVm
dmT>rd noÝeZ ñdßZmVM amhVo H$s H$m` !' `m VH«$marZ§Va
EoH$Umè`mZo Amnë`m ~m`nmgMr H$Wm Am{U ì`Wm gm§Jm`cm
gwê$dmV Ho$cr. H$moUmM§ "~r.nr.' CS>çm _mê$ cmJc§ hmoV§ Va H$moUr
{H$S>ZrñQ>moZZo h¡amU Pmcm hmoVm, _mÌ JwS>KoXwIr, {ZÐmZme,
{dñ_aU `m H$m`_Mo gmo~Vr ~Zcoë`m XwIÊ`m§er ~hþVoH$m§Zr
A°S>OoñQ> H$ê$Z KoVc§ hmoV§.
Ë`m_mZmZo ~m`H$m§À`m JßnmVrc {df` doJio hmoVo. ~è`mM
OUtZm coH$sgwZm§À`m ~mi§VnUmÀ`m {Z{_ÎmmZo \$m°arZ [aQ>Z© nXdr
{_imcocr. _J H$m` {dMmaVm ? XoemoXoetÀ`m ~mcg§JmonZmÀ`m
nÕVr `mda EH$ Iw_mgXma n[ag§dmXM {VWo a§Jcm. Ë`m{edm` Vy
H$moUVm S>m` dmnaVog J§ ? qH$dm VwÂ`m _yiÀ`m XmVm§nojm ho Zd§
S>|Ma EH$X_ ghr {XgV§`. Ago {Oìhmù`mMo {df` Vm|S>r cmdm`cm
hmoVoM. `m JmoVmdù`mV, ZmoH$arÀ`m gwê$dmVrcm _mÂ`m~amo~a H$m_
H$aUmar EH$ H${cJ _cm nwè`m 32 dfmªZr ^oQ>cr. `m g§nyU©
H$mcI§S>mMm B{Vhmg Amåhr H$gm~gm 30/35 {_{ZQ>mV g§ndcm.
Amë`mgaer AmPmX _¡XmZmg^modVmcMm n[agahr Amåhr
nm`mImcyZ KmVcm. `m n[aH«$_oV ~mhoaMr MhmMr Q>nar Am{U
H$monè`mVc§ gwc^ em¡Mmc` `m XmoZ àojUr` ñWim§Zmhr ^oQ>r {Xë`m.
VodT>çmV ~g gwQ>Vò Aer hmH$mQ>r H$mZmda Amcr. nwÝhm EH$Xm
_w§~B© Vo R>mUo àdmg^a Jßnm§Mr Zm°ZñQ>m°n _¡\$c a§Jcr. ~±Ho$V
AgVmZm {_iUmam amoOMm AÜ`m© VmgmMm c§M ~«oH$ hm amoQ>r, H$nS>m
Am{U _H$mZ `m§À`m BVH$mM JaOoMm Amho. ho Amåhmcm nwÝhm EH$Xm
nQ>c§ Am{U Vmo {Xdg Iè`m AWm©Zo gmW©H$s cmJcm. dmT>rd noÝeZ
{_im`Mr Voìhm {_ioc nU `m _moMm©Zo Amåhmcm {Xcocr hr [a\o«$qeJ
^oQ> IamoIaM AZ_moc hmoVr.
- - g§nXm g§nXm dmJio, dmJio, R>mUo.
^«_UÜdZr - 9324076249
January 2009 SAMVAD
j nwñVH$ nwñVH$ n[aM` n[aM` : : "gmW©H$'
"gmW©H$'
Amnco EH$ g^mgX lr.JmoqdX ^mJ©d ~mJwc, nwUo øm§Zr
ñdmñÏ`, lÕm, _wŠVr øm {df`m§da "gmW©H$' ho nwñVH$ {chÿZ
Á`oð> ZmJ[aH$m§À`m kmZmV _mocmMr ^a Q>mH$cocr Amho. ~±Ho$Vrc
_mUgo ZwgVr AmH$S>o_moS> H aUmar ZgVmV. Ë`m§Mr AZoH$ {df`mV
JVr AgVo. 1993 gmcr {Zd¥Îm Pmë`mda lr. ~mJwc `m§Zr
"Xmg~moY' J«§WmMm gImoc Aä`mg H$ê$Z {cImUmg gwê$dmV
Ho$cr. Ë`mVyZM Ë`m§Zm "gmW©H$' øm nwñVH$mMr H$ënZm gwMcr.
nwñVH$mV AZoH$ g§ñH¥$V d B§J«Or AdVaUm§Mm `mo½` dmna Ho$cm
Amho. ñdmñW åhUOo H$m`, Ë`mÀ`m ì`m»`onmgyZ gwadmV H$ê$Z
d¡`{ŠVH$, H$m¡Qw>§{~H$, gm_m{OH$ ñdmñÏ`m~Ôc CËH¥$ï>> Chmnmoh
lr.~mJwc øm§Zr Ho$cocm Amho. Ë`mV ~mc_mZgemó, _mVm{nË`m§Mr
H$V©ì`o, VéU d Á`oð> øm§Zr Amnco ñdmñW H$go {Q>H${dco
nm{hOo ømMo {ddoMZ Amho. lÕo{edm` _mUyg OJyM eH$V Zmhr.
lÕm hrM OrdZ{Zð>m Amho. A{dMc {dœmg åhUOoM lÕm.
_wŠVr øm {df`mda Ho$coco ^mî`hr A{Ve` gw§Xa Amho.
Amnë`mcm {_imcoë`m OrdZmMo gmW©H$ ìhmdo. Ago àË`oH$
Á`oð>mg AmVyZ dmQ>V AgVo. Ë`mgmR>r gXa nwñVH$ Á`oð>mg
ZŠH$s àoaUm XoB©c. nwñVH$mMr qH$_V AË`§V Aën åhUOo
ê$.75/- AgyZ Amnë`m g^mgXmg Vo \$ŠV 50/- ê$n`mV
{_iUma Amho. gdmªZr Ë`mMm cm^ ¿`md`mg hdm. øm
gm{hË`H¥$Vr~Ôc lr.~mJwc øm§Mo A{^Z§XZ.
- - - eaX eaX qeJdoH$a, qeJdoH$a, qeJdoH$a, nwUo
nwUo
XyaÜdZr XyaÜdZr - - 24533300
24533300
à{gÕ Pmco - à{gÕ Pmco
nwñVH$mMo Zmd - "gmW©H$' "gmW©H$' (ñdmñW, lÕm-_wŠVr)
coIH$ - lr. JmoqdX ^mJ©d ~mJwc
àñVmdZm - g_W©^ŠV lr gwZrcOr {M§MmocH$a
ì`ŠVr, Hw$Qw>§~ d g_mO `m§À`m gm§àV pñWVrMo
AÜ`mË_J«§Wm§À`m AmYmao gmoß`m ^mfoV Ho$coco dñVw{Zð> {ddoMZ
n¥ð>o - 152. _yë` ê$.75/- gdcV _yë` - ê$. 50/nmoñQ>mZo
hdo Agë`mg g^mgXm§Zm Q>nmcIMm©g{hV ê$.75/g§nH©$
- lr.JmoqdX ~mJwc. XyaÜdZr - (020) 24347070
^«_UÜdZr - 9423558357
nwñVH$ gdcVrV Imcrc {R>H$mUr CncãY -
lr. amOmam_ nam§Ono - ndZ ßc°pñQ>Šg
{Ocã`m _méVr eoOmar, 1478 ewH«$dma noR>
_§S>B© añVm, nwUo - 411 002.
XyaÜdZr - (020) 24455168
Advt.
13

j jonUmó
gÜ`mÀ`m erV`wÕH$mimV g_Om Oa A_o[aHo$Zo a{e`mÀ`m
{XeoZo jonUmóo gmoS>cr Va a{e`Z CnJ«h 3 goH§$XmV hr _m{hVr
a{e`Z g¡Ý`mcm XoVrc d a{e`Z g¡Ý` 5 goH§$Xm§À`m AmV Vr
jonUmóo daÀ`m da amoIyZ Zï> H$aVrc - Aer `m XmoZ Xoem§Mr
AmOMr V`mar Amho.
nU øm CcQ> Oa ^maV Am{U nm{H$ñVmZ `m§À`mV AUw`wÕ
Pmco Va.... Zoh_rà_mUo AmJirH$ nm{H$ñVmZ H$aoc. nm{H$ñVmZr
g¡Ý` jonUmó ^maVmÀ`m {XeoZo gmoS>Ê`mMo R>adVrc. Ë`m§Zm
Ë`m§À`m gaH$maMr nadmZJr KoÊ`mMr Amdí`H$Vm ZgVo.
^maVr` V§ÌkmZ IynM àJV Agë`mZo 8 goH§$XmV Ë`m§Zm
nm{H$ñVmZr `omOZm H$ioc Am{U ^maVr` g¡Ý` cJoM àË`wÎmamcm
V`ma Agoc.
nU `m gmR>r Ë`m§Zm ^maV gaH$maMr nadmZJr ¿`mdr cmJoc.
Ë`mgmR>r Vo amï´>nVtZm {dZ§Vr H$aVrc. amï´>nVr g¡Ý`mMr {dZ§Vr
_§{Ì_§S>imH$S>o nmR>dVrc. n§VàYmZ cmoH$g^oMr AmnËH$mcrZ
~¡R>H$ ~mocmdVrc. na§Vw cmoH$g^m AZoH$ _wÚm§dê$Z CXm. àm§{VH$,
^m{fH$, Ym{_©H$ B. dê$Z ñW{JV hmoB©c. {damoYr nj g^mË`mJ
H$aVrc, dm cmoH$g^m AÜ`jm§Zm Koamd KmcVrc. Ë`m§À`mda
H$mJXnÌo \o$H$Vrc. `m gd© H$maUm§_wio cmoH$g^m ~o_wXV VhHy$~
hmoB©c. amï´>nVr cdH$a {ZU©` hmoÊ`mg§~§Yr nwÝhm n§VàYmZm§Zm
ñ_aUnÌ nmR>dVrc.
_Yë`m H$mimV Vm§{ÌH$ Xmofm_wio nm{H$ñVmZr jonUmó
AmH$memV Pon KoÊ`mg Ag_W© hmoB©c nU Ë`m§Mo à`ËZ gwê$M
amhVrc.
^maVmV gÎmmYmar njmcm ~mhoê$Z nmqR>~m XoUmao EH$-XmoZ nj
nm{R>§~m H$mTy>Z KoVrc. gaH$ma Aën_VmV OmB©c. amï´>nVr XmoZ
AmR>dS>çm§À`m AmV gaH$macm ~hþ_V {gÕ H$aÊ`mg gm§JVrc.
njm§Vamcm D$V `oB©c. ImgXmam§Mr IaoXr-{dH«$s gwê$ hmoB©c. `mcmM
"KmoS>o~mOma' Agohr åhUVmV. gÎmmYmar nj ~hþ_V {gÕ Z H$ê$
eH$ë`mZo amï´>nVr H$miOrdmhÿ gaH$ma Zo_Vrc.
H$miOrdmhÿ gaH$maMo n§VàYmZ g¡Ý`mcm jonUmó
dmnaÊ`mMr nadmZJr XoVrc, nU {ZdS>UyH$ Am`moJ H$miOrdmhÿ
gaH$macm Agm {ZU©` KoÊ`mMm A{YH$ma Zmhr Ago H$idVrc.
H$maU cmoH$g^oÀ`m {ZdS>UyH$m Omhra Pmcoë`m AgVrc.
gaH$ma {ZdS>UyH$ Am`moJm{dê$Õ gdm}ƒ Ý`m`mc`mV `m{MH$m
XmIc H$aoc. Ë`mV {ZdS>UyH$ Am`moJ Amnë`m A{YH$maH$joÀ`m
~mhoa dmJV Amho Ago åhUoc.
gdm}ƒ Ý`m`mc` n§VàYmZm§À`m _XVrcm YmdyZ `oB©c.
H$miOrdmhÿ gaH$maMo n§VàYmZ AmnËH$mimV Xoe{hVmgmR>r Agm
{ZU©` KoD$ eH$VmV Agm {ZU©` XoB©c.
January 2009 SAMVAD
Ë`mZ§Va EH$ nm{H$ñVmZr jonUmó `eñdrnUo AmH$memV
Pon KoB©c nU Vo Ë`mÀ`m {ZYm©[aV cú`mnmgyZ 367 {H$._r. Odi
åhUOo Ë`m§À`mM EH$m gaH$mar H$m`m©c`mda gH$mir 11 dmOVm
H$mogioc. nU gwX¡dmZo H$moUrhr gaH$mar H$_©Mmar BVŠ`m cdH$a
H$m_mda `oV Zgë`mZo Or{dV hmZr Q>ioc.
H$m` MyH$ Pmcr ho nmH$ emókm§Zm H$iUma Zmhr åhUyZ Vo
MrZ d A_o[aHo$H$S>o _XVrMr `mMZm H$aVrc.
^maV gaH$ma jonUmó dmnamgmR>r eodQ>r nadmZJr XoB©c. hr
nadmZJr {_ion`ªV VrZ _{hÝ`m§Mm H$mcmdYr g§ncocm Agoc.
nadmZJr {_imcr Ago H$ië`m~amo~a _mZd A{YH$ma d AUw
`wÕm{dê$ÕMo H$m`©H$V} OmJo hmoVrc d gaH$maÀ`m øm {ZU©`m{dê$Õ
_mZdr gmIir H$ê$Z nmc©_|Q>cm Koamd KmcVrc. XoemV
{R>H${R>H$mUr em§VVm ào_r cmoH$ añVm amoH$mo - aoc amoH$mo Am§XmocZ
gwê$ H$aVrc. Ë`m§À`mda nmo{cg cmR>r_ma-Jmoir~ma H$aVrc ;
H$m`©H$V} ~gog d añË`mda C^r Agcocr dmhZo OmiVrc.
nmH$À`m ~mOyZo jonUmóm§Mo àjonU Omar amhrc na§Vw `m§{ÌH$
Xmofm§_wio Vo cú`m§EodOr ^cVrH$S>oM H$mogiVrc, H$mhr Aa~r
g_wÐmV H$mogiVrc. H$mhr _mgo _aVrc. _J nm{H$ñVmZ A_o[aHo$Zo
V`ma Ho$cocr jonUmóo gmoS>rc nU Ë`m§À`m dmnamMo V§Ì Z
g_Oë`mZo Vo OoWyZ CS>mco VoWoM H$mogiVrc. H$mhr Ë`m§À`m
_yiÀ`m cú`mda åhUOo a{e`mda OmVrc, nU a{e`m gmdY
Agë`mZo Vr nwÝhm naV `oD$Z Bñcm_m~mXda H$mogiVrc
nm{H$ñVmZmV hmhmH$ma _mOoc. ^anya Or{dV d {dÎmhmZr hmoB©c.
nm{H$ñVmZ OJmH$S>o _XVrMr `mMZm H$aoc.
^maV gaH$ma Vrd« Xw:I d g§doXZm ì`ŠV H$aoc d _XVrMm
n{hcm hám åhUyZ 100 H$moQ>r é.Mr _XV Omhra H$aoc. {edm`
H$mhr Q>Z nmc} Or {~pñH$Q>g² g_PmoVm EŠgàogZo admZm H$aoc.
Aem VèhoZo ^maVmcm jonUmó gmoS>Ê`mMr doi `oUma Zmhr
Am{U nm{H$ñVmZcm Oo gmYm`Mo Agoc Vo gmYVm `oUma Zmhr Am{U
XmoÝhr XoemV nwÝhm VmËnwaVr em§VVm àñWm{nV hmoB©c. O`qhX !
- - dg§V dg§V YwnH$a, YwnH$a,
YwnH$a, nwUo. ^«_UÜdZr - 09975845690
j dra_aU
àoV Ë`mMo OiVmZm _r nm{hco
Aly§Mo {H$VrH$ Vo Kar nmQ> dm{hco !
amï´>mgmR>r OJVmZm Ë`mZo Am`wî` dm{hco
Mma Amoir§Mo ^mfU dmMyZ gmao g§nco !
am{hcr Ë`mMo _mJo EH$ PmonS>r
_m`, VmV, nËZr Am{U _wco ~mnwS>r !
IoX Zmhr I§V Zmhr gmam g_mO Mmccm
^{dî` gmao àým§{H$V H$ê$Zr H$mi Wm§~cm !
- - - AaqdX AaqdX Omoer Omoer, Omoer gm§Jcr
14

j g§dmX coI ñnYm© 2009
Xa dfuà_mUo `§Xmhr coI ñnYm© 2009 Omhra H$aVmZm {deof
AmZ§X hmoV Amho. `m ñnY}V OmñVrV OmñV g^mgX/ghg^mgX
^mJ KoD$Z Vr `eñdr H$aVrc Aer Amem Amho.
January 2009 SAMVAD
○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○
ñnYo©g§~§Yr _m{hVr -
1) 1) {df` {df` - - * godm{Zd¥Îmr Pmcr - nwT>o H$m` ?
qH$dm
* _mÂ`m H$ënZoVrc gwIr g§gma
Amho. gyMZm§Mo C„§KZ H$ê$Z nmR>dcoë`m coIm§Mm ñnY}gmR>r {dMma
Ho$cm OmUma Zmhr `mMr coIH$ g^mgXm§Zr Zm|X ¿`mdr.
g§nmXH$ _§S>imMm {ZU©` A§{V_ amhrc.
ñnY}Mm {ZU©` _o 2009 À`m "g§dmX' _Ü`o à{gÕ hmoB©c.
{dOoË`m§Zm nm[aVmo{fHo$ `m dfuÀ`m gd©gmYmaU g^oV AÜ`jm§À`m
hñVo àXmZ H$aÊ`mV `oVrc.
- - g§nmXH$ g§nmXH$ _§S>i _§S>i (g§dmX)
(g§dmX)
{dkmZ Am{U AÜ`mË_
2) 2) 2) eãX eãX _`m©Xm _`m©Xm - - AmR>eo Vo EH$ hOma eãX.
3) 3) coI coI nmR>dÊ`mMr nmR>dÊ`mMr A§{V_ A§{V_ _wXV _wXV - - 31 _mM© 2009.
ñnY}gmR>rMo gd© coI 31 _mM© 2009 n`ªVM Am_MoH$S>o
nmoMVrc Aem ~oVmZo nmR>dmdoV. H$moUË`mhr H$maUmñVd A§{V_
_wXV dmT>{dcr OmUma Zmhr.
4) 4) nm[aVmo{fH$m§Mo nm[aVmo{fH$m§Mo ñdê$n ñdê$n -
-
nwê$f nwê$f nwê$f {d^mJ {d^mJ - àW_ H«$_m§H$ - ê . 500/-
{ÛVr` H«$_m§H$ - ê$. 300/-
{dkmZ à`moJmVyZ {dH${gV hmoVo, AÜ`mË_ `moJmVyZ àmá hmoVo
{dkmZmgmR>r gmYZo dmnacr OmVmV, AÜ`mË_mV gmYZm dmnacr OmVo
{dkmZm_Ü`o emoY Amho, AÜ`mË_mV ~moY Amho
{dkmZmV VÎdnarjm Amho, AÜ`mË_mV ñdËdnarjm Amho.
{dkmZmV ì`mg§J Amho, AÜ`mË_mV gËg§J Amho.
{dkmZmV H$V¥©Ëd Amho, AÜ`mË_mV XmV¥Ëd Amho.
{dkmZmV e{ŠV Amho, AÜ`mË_mV ^{ŠV Amho.
V¥Vr` H«$_m§H$ - ê . 200/-
{dkmZmV ^m¡{VH$Vm gwYmaVo, AÜ`mË_mV Z¡{VH$Vm gwYmaVo.
ór ór ór {d^mJ {d^mJ {d^mJ - - - àW_ H«$_m§H$ - ê . 500/-
{dkmZmV àH$ën AmhoV, AÜ`mË_mV g§H$ën AmhoV.
{ÛVr` H«$_m§H$ - ê$. 300/-
{dkmZ Cn^moJmg nmofH$ Amho, AÜ`mË_ Ë`mJmg nmofH$ Amho.
V¥Vr` H«$_m§H$ - ê . 200/-
{dkmZmV V§ÌkmZ Amho, AÜ`mË_mV VÎdkmZ Amho.
BVa BVa _hÎdmÀ`m _hÎdmÀ`m gyMZm gyMZm -
-
{dkmZm_wio nwéfmW© KS>Vmo, AÜ`mË_m_wio na_mW© KS>Vmo.
1) hr ñnYm© Ho$di ñQ>oQ> ~±H$ Am°\$ B§{S>`m noÝeZg© {dkmZm_wio à{Vð>m dmT>Voo, AÜ`mË_m_wio {ZîR>m dmT>Vo.
Agmo{gEeZÀ`m gd© g^mgXm§gmR>r d ghg^mgXm§gmR>rM Amho. {dkmZm_wio g§nÞVm àmá hmoVo, AÜ`mË_m_wio àgÞVm àmá hmoVo.
2) coIZ AmIrd \w$cñHo$n (nm§T>am H$mJX) H$mJXmdaM {dkmZm_wio à{gÕr {_iVo, AÜ`mË_m_wio {gÕr {_iVo.
^anya g_mg gmoSy>Z, XmoZ AmoirV OmñV A§Va gmoSy>Z H$mJXmÀ`m
EH$mM ~mOyg {c{hcoco Agmdo. nmR>nmoQ> {chÿ Z`o. Aja dmMZr`
Agmdo. coImÀ`m gwê$dmVrg COdrH$S>rc H$monè`mV coIH$mZo
Amnco g§nyU© Zmd, nyU© nÎmm ({nZH$moS>g{hV) g^mgX H«$_m§H$,
VmarI, \$moZ Z§~a {chmdm. coImÀ`m eodQ>r Amncr ghr, Ë`m Imcr,
g§nyU© Zmd, nyU© nÎmm, \$moZ Z§~ag{hV {c{hUo Amdí`H$ Amho.
3) coImMr _yi àVM nmR>dmdr. Poam°Šg, H$m~©ZàV nmR>dy Z`o.
4) ñnY}gmR>r coI nmR>{dVmZm nm{H$Q>mda _moR>çm AjamV
"g§dmX "g§dmX coI coI coI ñnYm© ñnYm© ñnYm© 2009' 2009'
2009' Agm ñnï> C„oI H$ê$Z nwaogo
nmoñQ>oO cmdyZM Agmo{gEeZÀ`m nwUo `oWrc nÎ`mda nmR>dmdm.
coIm~amo~a BVa gm{hË`, Agmo{gEeZ g§~§YrMm _OHy$a nmR>dy
{dkmZm_wio n[apñWVr ~XcVo, AÜ`mË_m_wio _Z:pñWVr ~XcVo.
{dkmZmZo j{UH$ AmZ§X {_iVmo, AÜ`mË_mZo {Za§Va AmZ§X {_iVmo.
{dkmZmZo OrdZmg JVr {_iVo, AÜ`mË_mZo OrdZmg {Xem {_iVo.
{dkmZ hì`mgmMr noaUr H$aVo, AÜ`mË_ Ü`mgmMr noaUr H$aVo.
{dkmZmV CnH$aUm§Mr, AÜ`mË_mV A§V:H$aUmMr Amdí`H$Vm AgVo.
{dkmZmV Vn{ecmda Va, AÜ`mË_mV Vn d ercmda ^a AgVmo.
{dkmZmV namH«$_ Amho, AÜ`mË_mV AmË_g§`_ Amho.
{dkmZmZo Zdg¥ï>r {dH${gV hmoVo, AÜ`mË_mZo ZdÑï>r {dH${gV hmoVo.
{dkmZmZo ñdmW© \$mo\$mdVmo, AÜ`mË_mZo na_mW© {dH${gV hmoVmo.
{dkmZmZo ~møgwI {_iVo, AÜ`mË_mZo A§VamËå`mg gwI {_iVo.
Z`o. Ë`mgmR>r ñdV§Ì nm{H$Q> nmR>dmdo.
{dkmZmZo AZoH$ àý {Z_m©U hmoVmV, AÜ`mË_mZo àíZ gwQ>VmV.
5) 5) Á`m Á`m g^mgXm§Zm/ghg^mgXm§Zm g^mgXm§Zm/ghg^mgXm§Zm "g§dmX' "g§dmX' coI coI ñnY}V
ñnY}V {dkmZmZo qhgocm Va, AÜ`mË_mZo Aqhgocm àmoËgmhZ {_iVo.
`mnydu `mnydu nm[aVmo{fH$ nm[aVmo{fH$ {_imco {_imco Amho Amho Aem Aem g^mgXm§Zr g^mgXm§Zr g^mgXm§Zr coI
coI {dkmZmZo H$m`m©g MmcZm {_iVo, AÜ`mË_mZo ñdY_m©g MmcZm {_iVo.
nmR>{dë`mg nmR>{dë`mg nmR>{dë`mg Ë`mMm Ë`mMm Ë`mMm ñnY}gmR>r ñnY}gmR>r ñnY}gmR>r {dMma {dMma Ho$cm Ho$cm Ho$cm OmUma OmUma Zmhr. Zmhr.
Zmhr. {dkmZ Am_Mm {dídmg Amho, AÜ`mË_ Am_Mm ídmg Amho.
coIZmg§~§YrÀ`m darc gd© gyMZm§Mo nmcZ H$aUo Amdí`H$
g§J«mhH$ - A{Zc A{Zc Im{S>cH$a, Im{S>cH$a, Im{S>cH$a, Ea§S>dUm, nwUo 4
15

j 65 dr H$cm - g_mYmZ
""agZoer diU cmdm, gmR>rV Zm_ _odm Ÿ&
ñdénr {_imd`mcm, lram_ am_ ~mocm &&''
gd©M g§Vm§Zr Zm_mMm _{h_m Jm`cm Amho. nU Zm_ñ_aU
H$am`cm gwê$dmV H$aÊ`mMm H$mi "gmR>r' Zìho h§ ! Ahmo, X§VmS>rMm
nÎmm Zmhr. Aem doir "am_-am_' À`m EodOr "cm§~-cm§~' Ago eãX
EoHy$ `m`Mo.
gwImMm emoY ¿`mdm cmJVmo, AmZ§X _mZmdm cmJVmo. EH$ H$dr
åhUVmoM H$s,
""Kago Mco Wo h_ Vmo IwerH$s Vcme _| Ÿ&
J_ amh _| IS>o Wo, dmo hr gmW hmo cr`o Ÿ&&''
gdmªZmM \w$c§, gwI hdo Va H$mQ>çm§Zr, Xw:ImZo Hw$R>o Om`Mo ?
`oUmaM Vo gmo~Vrcm. Ë`m§Mohr ñdmJV H$aUo O_m`cm hdo.
H$moUË`mhr d`mMm _mUyg nyU© gwIr ZgVmoM. AmOhr chmZ
_wcm§Mo VmUVUmd nm{hco H$s dmQ>Vo, Amncm H$mi ~am Jocm. 100
YmJo Xw:ImMo Agco Var EH$ YmJm gwImMm AgVmoM. Ë`mcm
nH$S>Vm Amco Va OrdZ ~XcVo. Amnë`mcm Zoh_rM BVam§À`m
~mocÊ`mVyZ g§Ho$V {_iV AgVmV. Vo AmË_gmV H$aVm Amco Va
_J Ë`mVyZM OrdZmMo C{Ôï> JdgVo.
AmnU Iyn doim Imcr _mZ KmcyZ añË`mZo MmcV AgVmo,
Amnë`mM {dMmamV (hmo añË`mdaMo IÈ>ohr MwH$dm`Mo AgVmV
ZmhrVa "OmZm Wm ~mOma, nhþ±M J`o AñnVmc' Ago ìhm`Mo.)
AMmZH$ AmH$memH$S>o cj OmVo. _mdiË`m gy`m©Zo Ho$cocr a§Jm§Mr
CYiU {XgVo. H$mù`m-nm§T>è`m T>Jm§Mo {dcmo^Zr` {MÌ {XgVo d
AmoR>m§da eãX `oVmV 'Oh ! What a beauty !' hm jUmMm AmZ§XM
D$O}Mo H$m_ H$aVmo.
Am_À`mda Hw$Ur ào_M H$aV Zmhr åhUUmao IynOU
AgVmV, nU Amnë`mcm Hw$Um~Ôc ào_ dmQ>Vo H$m ? åhUOo
g_moaÀ`m ì`ŠVrcm Ë`mÀ`m JwUXmofm§gH$Q> ñdrH$maUo Amnë`mcm
Var O_Vo H$m ? AmnU g_moaÀ`m ì`ŠVrcm Amnë`m _Zmà_mUo
dmJÊ`mMm AmJ«h H$aVmo d Action-Reaction Mm Ioi gwê$ hmoVmo.
""ào_ ghdmgmZo OS>Vo d nS>Vo Vo ào_ ZgVo.
{dahmZo Vo dmT>Vo d gmXmcm à{VgmX {_imcm Va Vo XwßnQ> hmoVo.''
CËgmh Va ~io ~io AmUmdm cmJVmo. åhUyZ Va _amR>r _mUygM
Zìho Va EHy$UM _Zwî` àmUr CËgd{à` Amho. What life is this,
if full of tears, we have no time to stand and stare. Aem
{dMmam§Zr Amåhr hmgyM {dgam`cm cmJcmo AmhmoV. ImoQ>o ImoQ>o hmgV,
"hmñ`Šc~m'V OmV Aer Amem H$aVmo H$s EH$ {Xdg Var Amåhr
IiIiyZ _ZmnmgyZ hgy eHy$.
January 2009 SAMVAD
Iyn àg§Jm§À`m ~m~VrV AmnU "OmD$ Xo, McVm h¡' AgoM
YmoaU R>odVmo. nU hr gmR>dUM EImÚm jUr MrS> hmoD$Z ~mhoa
nS>Vo. gmR>rZ§Va _J Vmo ñd^mdM ~Zy cmJVmo.
EHy$UM gH$mamË_H$/ZH$mamË_H$ {dMma Aer {d^mJUr
ZgVo. VéUnUmVM Xmg~moY, JrVm, _ZmMo ûcmoH$ Aem J«§Wm§Mo
dmMZ gwê$ Ho$co Va \$m`Xm hmoVmo. `m d`mVM ^rVr, Ûof, H«$moY,
Xw:I `m ^mdZm Vrd« ñdê$nmV àJQ> hmoVmV. Ë`m§Mm earamda
n[aUm_ hmoVmo. Aemdoir g§JV Oer {_ioc Ë`mà_mUo dmB©Q>
gd`r, Aaoamdr, {dÜd§gH$ d¥Îmr dmTy> eH$Vo.
KQ>mKQ>mMo ê$n AmJio Amho. àË`oH$mMo X¡d doJio Amho åhUyZ
Va OJ gw§Xa Amho. ho nQ>co Va hodm/_Ëga _Zmcm ñne© H$aV
ZmhrV. _cm dmQ>Vo OJmV 64 Zìho Va 65 H$cm AmhoV. g_mYmZr
ahm`cm {eH$Uo-{eH$dUo hrM Vr nmgï>mdr H$cm !
H$Vm© H$a{dVm Ogm Hw$Ur Amho VgmM ~mocVm ~moc{dVmhr
Hw$UrVar AmhoM. lÕm-g~war `m§Mr Oê$a AgVo. _cm dmQ>Vo,
Am`wî` åhUOo EH$ ZmQ>H$ Amho, BWo Entry cm OodT>o _hÎd VodT>oM
Exit cm gwÕm Amho. Hw$Ur ehrX hmoVmo, Va Hw$UmMo Encounter.
Hw$UmÀ`m ~m~VrV "gwQ>cm {~Mmam' Va Hw$UmÀ`m ~m~VrV "Aaoao
\$maM cdH$a Jocm' Aem comments EoHy$ `oVmV. Amnë`m
dmQ>çmcm Amcocr ^y{_H$m H$aV ahm`Mr. AmOMm gy`© ~Km`cm
{_imcm ømVM g_mYmZ _mZm`Mo. Ë`m loð> {X½Xe©H$mcm åhUm`Mo:
""VyM XoD$i Amhog d _yVuhr VyM Amhog.
AmaVr, nyOm, ^ŠVr gmao VyM Amhog.''
- - gm¡.dfm© gm¡.dfm© eaX eaX Omoer,
Omoer,
32, "_H$a§X', aKwdra gmogm., S>m|{~dcr (ny.)
O A{^Z§XZr`
Amnco gXñ` lr.em_H$m§V lr.em_H$m§V Zmam`U Zmam`U nQ>dY©Z nQ>dY©Z (d`
df} 75) `m§Zm "S>r Eg Ho$ {dœ Ho$ {gVmao' `m S>r Eg Ho$
S>oìhcng© V\}$ ZwH$Ë`mM KoÊ`mV Amcoë`m d¡`{ŠVH$ Jm`Z
ñnY}Vrc d` df} 65 Vo 75 `m d`moJQ>mgmR>rMo é.15000/-
Mo àW_ nm[aVmo{fH$ àmá Pmco. gXa nm[aVmo{fH$ {dVaU
g_ma§^ S>r Eg Ho$ {dœÀ`m ^ì` àm§JUmV {X. 4 OmZodmar
2009 cm AZoH$ _mÝ`da H$cmd§Vm§À`m CnpñWVrV nma
nS>cm. `mdoir lr.nQ>dY©Z `m§Zr "Xoh XodmMo _§{Xa' ho
ZmQ>çJrV gmXa H$ê$Z no«jH$m§Mr dmhdm {_i{dcr.
lr.em_H$m§V nQ>dY©Z `m§Mo Agmo{gEeZÀ`m dVrZo hm{X©H$
A{^Z§XZ.
- - - goH«o$Q>ar
goH«o$Q>ar
16

j coH$ cmS>H$s `m KaMr hmoUma Zm...
hmoUma Zm.... _r ?.....
hm àý Amho AZoH$ Jmdm§À`m J^m©Vrc ór ^«yUm§Mm....
_mVm Z Vy d¡[aUr.... hm AmH«$moe EoHy$ `oVmo Amho... `m ñÌr
^«yUm§Mm... Ë`m AJ{VH$ _mVm§À`m J^m©VyZ... A~moc AgyZ XoIrc..
H$ir C_cÊ`mAmYrM IwSy>Z OmUmè`m Ë`m {Zînmn {Odm§Mm...
A^mJr \w$cm§Mm AmH«$moe..... Zm M§Ð nm{hcm Zm gy`©.... AZw^dcr
\$ŠV _mVoÀ`m CXamMr C~..... Vrhr AënH$mi Am{U Z§Va
AZw^dc§ Vo S>m°ŠQ>am§M§ eó§.... Ioi Icmg...
AmOH$mc EImÚm órcm AmnU AmB© hmoUma ho H$ië`mZ§Va
Iyn AmZ§X hmoVmo. H$m¡VwH$mMo dfm©d hmoVmV. AmnU _mV¥Ëd AZw^dUma
`m gwIX {dMmamZo Vr haIyZ OmVo. AmH$me R>|JU§ dmQy> cmJV§.
nU ho gd© jU^§Jya R>aV§... Vr ór Xwgè`mM {dMmam§V JTy>Z
OmVo.... {VÀ`m AmZ§XmMr OmJm hm JyT> {dMma KoVmo.
hm JyT> {dMma (?) AgVmo... AmnU J^© qcJnarjU H$ê$Z
¿`m`M§ Am{U hmoUma§ AnË` _wcJr Agë`mg \w$Q>cocm A§Hy$a
IwSy>Z Q>mH$m`Mm.... J^©nmV H$amd`mMm..... Am{U gmgy, gmgao,
nVr `m§À`m _ZmgmaI§ hmoD$ Úm`M§... _mV¥Ëd gmoSy>Z Úm`M§.
Iao nmhVm Agm {dMma H$aU§ hm Á`mMm Ë`mMm ImgJr àý
Amho. na§Vw Aem AZoH$ Hw$Qw>§~mVrc AZoH$ AYmª{JZtÀ`m
A{dMmam_wio ór^«yUhË`m§Mo hmoUmao Xwînn[aUm_ OgOgo g_mOmcm
OmUdy cmJco VgVgo g_mO gwYmaH$, amOH$maUr _wËgÔr
AñdñW hmoD$ cmJco. _wcm§À`m VwcZoV _wctMr g§»`m H$_r hmoD$
cmJcr. H$m`ÚmZo Ë`mda ~§Xr AmUmdr cmJcr. na§Vw H$m`Úm§Zr
gd©M Jmoï>r gmÜ` hmoVmV Ago Zmhr. ór^«yUhË`m H$m ZH$mo ho
gm§JÊ`mgmR>r, g_mOmVrc g§~§{YVm§À`m Jir CVa{dÊ`mgmR>r
g_mO à~moYZmÀ`m A{^`mZmMr JaO Amho. Ago A{^`mZ gmVË`mZo
am~{dÊ`mMr Amdí`H$Vm Amho.
gÜ`m ór^«yU hË`m {damoYr _mohr_ `wÕ nmVirda Mmcy AgyZ
Vr Ver Mmcy R>odÊ`m~Ôc H$moUmMohr Xw_V AgÊ`mMo H$maU Zmhr.
"coH$ dmMdm Xoe dmMdm' - "AmB© _cm IwSy> ZH$mog' Aem KmofUm
Amdí`H$ AmhoV. `m g§~§YrMo Oo H$m`Xo ApñVËdmV AmhoV Ë`m
H$m`Úm§Mr H$S>H$ d H$mQ>oH$moanUo A§_c~OmdUr H$aUo d JaO
^mgë`mg ZdrZ H$m`Xo H$aÊ`mg gaH$maZo H${Q>~Õ Agco
nm{hOo. _wctMr g§»`m _wcm§À`m VwcZoV H$_r Pmë`mZo ~imÀ`m
Omoamda ~mohë`mdarc dYycm nidyZ ZoUmè`m KQ>Zm dma§dma KSy>
cmJVrc... hr Pmcr `m g_ñ`oMr EH$ ~mOy.
`m {df`mMr Xwgar {dXmaH$ ~mOy XoIrc cjmV KoVcr nm{hOo.
EImXr J^©dVr ór J^©qcJMmMUr H$ê$Z KoD$Z, hmoUmao AnË`
_wcJr Amho ho {ZpíMV H$ië`mZ§Va _mV¥Ëd {PS>H$maÊ`mÀ`m
{ZîH$fm©àV H$m `oVo d _wcJr H$m ZH$mo åhUVo `mMr H$maUo H$m`
January 2009 SAMVAD
Agy eH$VmV `mMo {dícofU H$aUo Amdí`H$ Amho. Vr H$maUo
Oar g_yi Zï> H$aVm Amcr ZmhrV Var Ë`m§Mr hmoUmar dmT> amoIUo
Amnë`m hmVmV Amho. `mMr OUrd H$ê$Z XoUo hm CÔoe `m coImMm
Amho. AmÎmmM Oa `mo½` {Z`moOZmZo AË`mdí`H$ hmcMmcr Ho$ë`m
Zmhr Va nwT>rc AZoH$ XeHo$ AmnUmg `mMo Xwîn[aUm_ gmogmdo
cmJVrc. g~~ AË`§V `moOZm~Õ, XrK©H$mcrZ, g_mOmVrc gd©
KQ>H$m§À`m g_mO à~moYZmMr JaO Amho.
órÀ`m nmoQ>mV OgOgm J^© dmT>V OmVmo Vg Vgo {VÀ`mda
{VMm Zdam, gmgy, gmgao `m§Mm X~md dmTy> cmJVmo. Amåhmcm n{hcm
_wcJmM nm{hOo qH$dm _wcrÀ`m nmR>rda naV _wcJr ZH$mo Agm
AÅ>mhmg gmgaÀ`m cmoH$m§H$Sy>Z Yacm OmVmo. àg§Jr dmX {ddmX
hmoVmV. n[aUm_r {VÀ`m _ZmV Amnë`m nmoQ>mV _wcJm Amho H$s
_wcJr Amho ho OmUyZ KoÊ`mMr {Okmgm Ka H$ê$ cmJVo. J^©
qcJ MmMUr H$amd`mMr `m {Vcm ZH$mo Agcoë`m {ZU©`màV ZoD$Z
R>odc§ OmV§.... _wcJr Pmcr Va Amnë`m g_moa H$m` dmTy>Z R>odco
Amho `mMm nmT>m dma§dma dmMcm OmVmo Am{U _wcJr Amho Ago {ZXmZ
Pmë`mZ§Va {OZo AÚmn ho OJ nm{hcocohr Zmhr Ë`m _wcrÀ`m
^{dVì`m~m~V ZH$mo Vo dmB©Q> {dMma S>moH$mdy cmJVmV Am{U VoWyZM
Vo AnË` ZH$moM `m AZ¡g{J©H$ A{dMmamàV Vr `odyZ nmohmoMVo....
_wcJr H$m ZH$mo `m g§X^m©V nwT>rc _hÎdmÀ`m H$maUm§Mm {dMma
H$aU§ Amdí`H$ dmQ>Vo -
1) hþ§S>çmMr qMVm - _wcJr H$m ZH$mo `mMo gdm©V _hÎdmMo H$maU
Amho _wcrÀ`m c¾mVë`m hþ§S>çmMr qMVm... c¾ gmohim hm AmZ§Xr
gwIXm`r Z amhVm Ë`mZo amjgr ñdê$n YmaU Ho$co Amho. _wcmMo
c¾ åhUOo 20/21 dfmªZr cmJcocr Z¡g{J©H$ cm°Q>arM Amho Ago
damÀ`m _mVm {nË`m§Zm dmQy> cmJco Amho. hþ§S>çmMr _m{JVcocr aŠH$_
hr _wcmMr qH$_V Amho ho Ë`m damMo _mVm {nVm {dgaVmV. hþ§S>m
_mZnmZ hr ~wagQ>cocr d AZmdí`H$ H$ënZm gmoSy>Z XoÊ`mg damMo
AmB© dS>rc ghgm V`ma hmoV ZmhrV hr Iar Xw:ImMr ~m~ Amho.
_wcmMr AmB© "Am_À`m _wcrÀ`m c¾mV Vwåhr H$m hmo nwT>o Amcm
ZmhrV... Ë`mdoiog Hw$R>§ Joc§ hmoV§ Vw_Mo ho ehmUnU... ZmhrVa
_r H$emcm Pmco AgVo Aer c§Ho$Mr nmd©Vr'... Agm {~ZVmoS> gdmc
H$aVmZm {XgVo. ømcm Amncm g_mOM gd©ñdr O~m~Xma Amho. hm
nwéfàYmZ g§ñH¥$VrMm d "_cm doJi§ ìhm`M§ Amho.' `m _Zmod¥ÎmrMm
~ir Amho. Ë`mcm \$ŠV _mZ-nmZ `m gmigyX ZmdmZo AmoiIc§
OmV§. Vmo \$ŠV Vmo \$mñQ> Q´>°H$ Amho.. hoM _mZ nmZ nwT>§ _mZmn_mZ
åhUyZ nS>Úmda `oV§ ^`§H$a ê$n KoD$Z....
2) _wcJr d`mV Amë`mda - Amncr _wcJr emioV - H$m°coOcm
OmD$ cmJcr H$s {VÀ`mda H$moUr _mWo{\$ê$ EH$V\$s© ào_ H$ê$Z
{Vcm Ìmg XoB©c H$m, {VZo c¾mg ZH$ma {Xcm åhUyZ {VÀ`m Vm|S>mda
A°{gS> \o$Ho$c H$m, A_¥Vm, [a¨Hy$ gmaIm {ZK¥U IyZ H$aoc H$m ?
`m {dMmamZo Vr AmUIr AñdñW hmoVo... {Vcm H$moUVrM Jmoï> ZrQ>
17

g_OV Zmhr, C_OV Zmhr.
3) c¾ R>a{dVmZm- _wcrÀ`m c¾mV gmgaÀ`m cmoH$m§Zr
^a_gmR> hþ§S>m, gmoZo _m{JVco Va EdT>m n¡gm AmUm`Mm H$moRy>Z ?
H$gm C^m H$amd`mMm ? gmgaÀ`m A_yH$ cmoH$m§Mr OodUmMr amhUoMr
gmò H$er d H$moRy>Z H$am`Mr ? H$m`m©c`o Var Hw$R>o {_iUma ? ho
AmUIr nwT>Mo àíZ {Vcm gmamgma {dMma H$aÊ`m n{cH$S>o ZodyZ
R>odVmV.
4) gmgaMo cmoH$ - AJXr _ZmgmaI§ c¾ H$ê$Z {Xc§ Var
gmgy, ZU§X, OmD$, Xra, gmgam hþ§S>m H$_r {Xcm, Am_Mm _mZnmZ
Am_À`m _ZmgmaIm Ho$cm Zmhr, Omd`mcm {Xdmircm {ndi§ Ho$c§
Zmhr, ñHy$Q>a-_moQ>magm`H$c KodyZ {Xcr Zmhr, `m dm AÝ`
H$maUmdê$Z OmM>, _mahmU gwê$ Ho$cr Va _wcrM§ H$g§ hmoB©c?
Am{U ho gJi§ ZH$mo. _mÂ`m AmB© d{S>cm§Zm åhVmanUr Ìmg ZH$mo
Ag§ åhUV _mÂ`m _wcrZo OrdmM§ H$mhr ~a§ dmB©Q> Ho$c§ Va ?
AmnU Oa H$m EH$Xm _wcrcm OÝ_ {Xcm åhUOo darc gd©
g§H$Q>m§Zm Vm|S> Úmdo cmJUma `m gmgaÀ`m cmoH$m§Zr Cä`m Ho$coë`m
H$mën{ZH$ ^rVrnmoQ>r ór ^«yU J^©dVr gyZ {Zame hmoV OmVo. {Vcm
AmeoMo {H$aU, {H$Zmam {XgV Zmhr. Vr AJ{VH$ hmoVo d eodQ>r
ZmB©cmOmZo {Vcm Vmo ór ~rO A§Hy a IwSy>Z Q>mH$mdm d Amncr
H$m`_Mr gwQ>H$m H$ê$Z ¿`mdr `m R>m_ {dMmamàV Vr `oD$Z R>onVo
d gwñH$mam Q>mH$Vo.
Am_Mm `m àýmer H$mhr g§~§Y Zmhr hmo@, Amåhmcm XmoÝhr _wcoM
AmhoV, _wcr ZmhrVM Agm {dMma Oa _wcmMo nmcH$ AmO H$arV
AgVrc Va Vo gwnmVë`m XmÊ`mgmaIo Amho. CÚm Ë`m§À`m _wcm§Mr
c¾o Pmë`mda Ë`m§À`m gwZm§Zm {Xdg Joë`mda ømM OmË`m§VyZ Ë`m§Zm
Omdo cmJUma Amho. daMo gd© `j àíZ Ë`m§Zmhr ^oS>gmdUma
AmhoV. H$maU Ë`m gwZmXoIrc `mM g_mOmMm KQ>H$ AmhoV.
`mV MyH$ H$moUmMr ? Xmofr H$moU ? Vr A^mJr _mVm ? H$s
{VÀ`m _ZmV Ago {dMma ^a{dUmao gmga ? H$s Iè`m AWm©Zo `m
nwT>o ZmB©cmOmZo ór^«yU {ZnQy>Z Q>mH$mdo Aem {dMmamàV {Vcm AmoTy>Z
ZoUmar nwéfàYmZ g§ñH¥$Vr ? AmnU gdmªZrM Agm Xy{fV g_mO
{Z_m©U Ho$cm Amho. Ë`m g_mOmMr _mZ{gH$Vm AmnUM {~KS>dcocr
Amho. _J AmnU Ë`m g_mOmMr _mZ{gH$Vm ~Xcy eH$Vmo.
g_mOmMr _mZ{gH$Vm ~XcUo åhUOo Var H$m` ? gÎmm, n¡gm,
{ejU, XoIUonU `m_wio Amcoë`m Ah§J§S>mMm, _rnUmMm Xm§{^H$
Mî_m ZmH$mdê$Z CVê$Z S>moignUo OJmH$S>o nmhm`M§ d AmnU
àË`oH$OU `m g_mOmMm EH$ gm_mÝ` nU O~m~Xma KQ>H$ AmhmoV.
g_mOmMo F$Ur AmhmoV. Ë`m F$UmMo nm§J \o$S>md`mMo AmhoV `mMr
OmUrd R>odyZ ór OmVrMm N>idmX gmoSy>Z {Vcm `mo½` Vo ñWmZ
Úmd`mMo Ago Pmë`mg g_OmmMr Xy{fV _mZ{gH$Vm ~XcÊ`mMr
Zm§Xr `m {df`mnwaVr Pmcr Ago _r _mZoZ.
AmOnmgyZ JwS>¿`mcm ~metJ ~m§YÊ`mMr KmB© Pmcoë`m da-
January 2009 SAMVAD
_wcmZo d Ë`m§À`m AmB© dS>rcm§Zr _mPm _wcJm B§{O{ZAa dm S>m°ŠQ>a
({H$Vrhr S>moZoeZ ^acoco Agco Var) Agmo Ë`mÀ`m c¾mV hþ§S>m
_mJUma Zmhr. VgoM dYy{nË`mZo Amnë`m _wcrÀ`m c¾mV hþ§S>m
XoUma Zmhr Agm X¥T> {ZíM` H$amdm.
nËZrMm N>i H$aUma Zmhr. {Vcm A§Va XoUma Zmhr. gdV
AmUUma Zmhr Aer ½dmhr nVrZo Úmdr. gmgy hr _mPr AmB© Amho
ZU§X hr _mPr ~hrU Amho Agm {dídmg {Z_m©U H$aÊ`mgmR>r
àË`oH$ gwZoZo H§$~a H$gmdr.
gyZ hr _mPr _wcJrM Amho Agm {dœmg {Z_m©U H$aÊ`mgmR>r
àË`oH$ gmgyZo H${Q>~Õ ìhmdo. emim, H$m°coO_Yrc {dÚmÏ`mªZr
emioVrc, dJm©Vrc _wcJr hr Amncr ^JrZr Amho Ago g_OyZ
dmJm`Mm {Zü` H$amdm. \«|$S>ern S>o cm amIr nm¡{U©_oMo _hÎd
Úmdo. åhUOo ór^«yUhË`o_mJMr kmV H$maUoM Zï> hmoVrc d
AmnmoAmnM ór ^«yUhË`ocm Amim ~goc. g_mOmÀ`m F$UmVyZ H$mhr
A§er CVamB© Pmë`mMm {Z^}i AmZ§X àË`oH$mcm {_ioc. `mgmR>rM
JaO Amho Vr g_mOmVrc gd© KQ>H$m§À`m AË`§V `moOZm~Õ d
XrK©H$mcrZ "_wcJr hdr hmo' Aem A{^`mZmMr.. g_mO à~moYZmMr!
AÝ`Wm "Mc J§ gIo dméimcm, ZmJmo~mcm nyOm`mcm' øm
Añgc J«m_rU JrVmnmgyZ AmnU nmoaHo$ hmody. dQ>gm{dÌrcm àgÞ
H$ê$Z hmM Zdam OÝ_moOÝ_r cm^y Xo Agm da _mJÊ`mgmR>r dSm>qnnimÀ`m
d¥jm^modVr \o$è`m KmcUmè`m ZmH$mV ZW d ZD$dmar
H$mR>mnXamMr gmS>r Zogcoë`m gm¡^m½`dVr, coH$s, gwZm {XgUma
ZmhrV. {På_m, \w$JS>r IoiV hmX½`m^modVr qnJm KmcUmè`m
~m{cH$m {XgUma ZmhrV. ZdamÌmoËgdmV g§JrVmÀ`m VmcmV ñdV:cm
hadyZ Xm§{S>`m IoiUmè`m {ó`m {XgUma ZmhrV d Á`m _wcmÀ`m
AÅ>mhmgmgmR>r Á`m _mVoZo ór ^«yUmMm Ë`mJ Ho$cm Ë`m _mVoÀ`m
gwnwÌmcm dYy {_iUo AdKS> hmodyZ OmB©c hr Iar emoH$m§{VH$m
Amho ór ^«yU hÎ`oÀ`m H$WoMr.
- - A°S>.lr A°S>.lr A°S>.lr à^mH$a à^mH$a _miJo, _miJo,
_miJo, gm§Jcr 416416.
^«_UÜdZr - 9422411955.
""Amnco ""Amnco gU gU Am{U Am{U Am`wd}X''
Am`wd}X''
"g§dmX' À`m {S>g|~a 2008 À`m A§H$mV darc nwñVH$mMm
n[aM` N>mncm Amho. Amnco g^mgX lr._Zmoha e§H$a Omoer
(Zm{eH$) `m§Mo {Ma§Ord d¡Ú _Zrf Omoer `m§Zr ho nwñVH$ {c{hco
AgyZ {Okmgy§Zr A{YH$ _m{hVrgmR>r -
XyaÜdZr H«$. - (0253) 2326619
^«_UÜdZr H«$. - 09420462065
`m H«$_m§H$m§da g§nH©$ gmYmdm.
- - g§nmXH$
g§nmXH$
18

j _moaOmB©
H$moëhmnya nmgyZ JJZ~mdS>m ho Jmd 55 {H$cmo_rQ>ada Amho.
ho Jmd C§M S>m|Ja_mÏ`mda Amho. S>mì`m hmVmcm H$ê$i KmQ> Amho.
Va COì`m hmVmcm ~mdS>m KmQ> Amho. XmoÝhr KmQ> H$moH$UmV OmVmV.
`oWyZ nyd}H$S>o ZOa Q>mH$ë`mg Xya A§Vamda C§MÀ`m C§M EH$ àM§S>
_moR>m _moaOmB©Mm S>m|Ja {XgVmo. `oWyZ AmOy~mOyMm Iyn cm§~daMm
àXoe ZOaoÀ`m Q>ß`mV `oVmo. `m S>m|JamÀ`m nm`Ï`mer "~moa~oQ>' ho
Jmd Amho. ho Jmd g_wÐ gnmQ>rnmgyZ 1500 \y$Q> C§Mrda Amho.
JJZ~mdS>m Vo ~moa~oQ> hm añVm nydu H$ƒm hmoVm. AmVm S>m§~ar
añVm Ho$cm Amho. `m n[agamV Iyn nmD$g nS>V Agë`m_wio S>m§~ar
añVo {Q>H$V ZmhrV. H$moëhmnya {Oëøm_Ü`o `oWo gdm©{YH$ nmD$g
nS>Vmo. hm gmam ^mJ KZXmQ> AaÊ`mZo ì`mncocm Amho. JJZ~mdS>m
nmgyZ 4 {H$cmo_rQ>a A§Vamda Amë`mda YZJadmS>m cmJVmo. `oWyZ
doS>çmdmH$S>çm diUmè`m MT>mÀ`m KmQ>mcm gwê$dmV hmoVo. `oWyZ MmcV
OmV AgVmZm H$Yr Imoc Xar cmJVo Va H$Yr C§MM C§M S>m|Ja
cmJVmo. S>m|Ja n[agamVyZ XarH$S>o nhmVmZm _Z nyU©nUo V„rZ
hmoVo. `m dZlrH$S>o nmhVmZm Ago dmQ>Vo H$s Hw$UrVar A\$mQ> _moR>m
cm§~r-é§XrMm {hadmJma JmcrMm AmH$memVrc "nar'Mo ñdmJV
H$aÊ`mgmR>r ngê$Z R>odcm`. _YyZM XarVyZ nú`m§Mm {H$c{~cmQ>,
C§M PmS>rVyZ H$mo{H$ioMm _Ywa AmdmO, Va Xwê$Z _moadmS>çmVyZ
`oUmam _moam§Mm AmdmO. gmaoM H$m§hr ñdJu` gwI XoUmao. _§Ì_w½Y
dmVmdaU. `m ^mamdyZ Q>mH$Umè`m {dídmVyZ AmnU ~moa~oQ>cm Ho$ìhm
`oD$Z nmohmoMVmoo g_OVM Zmhr. ho Jmd JX© PmS>rVM cncoco Amho.
`m JmdmV Aml_emim Amho. `m emio_wio Ë`m Jmdmcm Iyn _hÎd
Amho. AmOy~mOyÀ`m dmS>rVrc d N>moQ>çm JmdmVrc ~arM _wco `m emioV
{eH$V AgVmV. eoOmarc {OëømVrc _wco hr `oWo AmhoV. `m
Jmdmda H¥$nmd§V _moaOmB©Mm S>m|Ja d Xodr _mVm _moaOmB© `m§Mm
ew^merdm©X Amho.
~moa~oQ>nmgyZ H$mhr A§Vamda AJXr S>m|JamÀ`m nm`Ï`mer
COì`m ~mOyH$S>rc PmS>rV amOKmQ> ñ_emZ Amho. {VWo
nm§S>dH$mcrZ amOd§er` Wmoam-_moR>çm§À`m g_mÜ`m AmhoV. `oWyZ
ZmJ_moS>r MT>UrMm _mJ© MT>V AgVmZm nwaVr X_N>mH$ hmoVo. eara
WHy$Z OmVo. Eo{Vhm{gH$ XJS>r nm`è`m MT>VmZm Va WmoS>mdoi {dgmdm
¿`mdm cmJVmo. `oWyZ nwT>o Joë`mda ^ì` _moR>o EImXo {d_mZ CVê$
eHo$c Ago nR>ma cmJVo. ho nR>ma AH$ameo EH$ada ngaco Amho.
`mcmM _moaOmB©Mm gS>m Ago åhUVmV. `oWyZ Xya A§Vamda _moaOmB©
_§{XamMm H$ig {XgVmo. Mmohmo~mOyH$S>o ZOa {\$adcr Va {dh§J_
XoImdm {XgVmo, A_mdñ`m d nm¡{U©_ocm gm`§H$miÀ`m doir `oWrc
gS>çmda dmK `oV AgVmo Ago `oWrc _hmamO åhUVmV. _§{XamVrc
n[agamV Z¡g{J©H$arË`m V`ma Pmcoë`m JwhoVyZ BVHo$ W§S>Jma
January 2009 SAMVAD
dmVmdaU Amho H$s A§Jm_Ü`o W§S>rZo hþS>hþS>rM ^aVo. ~mhoarc
gS>çmda E{àc _o _{hÝ`mÀ`m àIa CÝhmV AZdmUr nm` R>odUo
åhUOo {dñVdmda nm` R>odÊ`mgmaIm àH$ma Amho. nU AmV
JwhoVrc n[agamV EAaH§$S>reZcm cmOdrc BVHo$ gwIX W§S>Jma
dmVmdaU Amho. _hmamO åhUVmV Amåhr `oWo dmñVì`mcm `oÊ`mnydu
`oWo gnmªMoM amÁ` hmoVo. {OH$S>o nhmdo {VH$S>o _moR>mco gn© hmoVo.
^m{dH$m§Mo `oWo AmnwcH$sZo ñdmJV Ho$co OmVo. MhmnmÊ`mMr
gmò Ho$cr OmVo. doiàg§Jr OodUmMrgwÕm gmò Ho$cr OmVo. EH$Xm
Va Amåhr gmV AmR> OU AgVmZm _hmamOm§Zr Vmgm^amV Amåhmcm
nwaUnmoirÀ`m OodUmMr gmo` H$ê$Z {Xcr. _§{XamH$S>o OmV
AgVmZm _Ü`oM XadmOmÀ`m Mm¡H$Q>rgmaIr XJS>mV H$moacocr
Mm¡H$Q> {XgVo. Ë`mVyZ nwT>o Joë`mda VerM Xwgar EH$ Mm¡H$Q> {XgVo.
nwT>o _moaOmB©Mo _§{Xa {XgVo. XodimÀ`m g_moaM àm§JUmV XJS>r
àdoeÛmamda {XgVo. àdoe Ûmamda ÛmanmcmMr gwemo{^V N>m`m{MÌo
{XgVmV. `mVyZ nwT>o Joë`mda S>mì`m ~mOycm _moaOmB© XodrÀ`m H¥$noZo
\w$ccocr \w$c~mJ {XgVo. COdrH$S>o lr OmqcXa_hmamO `m§Mr
g_mYr Amho. _§{XamV AmV Joë`mda àeñV XmcZ Amho. AmVrc
dmVmdaU n{dÌ, _§Ì_w½Y H$aUmao Amho. g_moaM lr Zm_Xod
_hmamO {edXmg `m§Mo AmgZ Amho. Ë`mcJV> {d{dY Xod XodVm§Mr
N>m`m{MÌo {XgVmV. _mJrc ~mOyg lr ~m~yamd d BVa ^ŠVJUm§Mo
Aml` ñWmZ Amho. npíM_ ~mOyg nydm©{^_wI lr _moaOmB© _mVoMo
g§nyU© XJS>mV H$moacoco _§{Xa d _§{XamV _Ü`^mJr dmKmda Amê$T>
Agcocr OarMo {hadoJma qH$dm cmc ZD$dmar nmVi, {hadm qH$dm
cmc MwS>m n[aYmZ Ho$cocr AR>am hñVd{Y©Zr lr _moaOmB©Mr _yVu
{XgVo. _moaOmB© åhUOoM gmjmV lr ZdM§{S>H$m _{hfmgwa_{X©ZrMm
AdVma hmò . Amåhr gmaoOU _mVog_moa ZV_ñVH$ hmodyZ gmï>m§J
X§S>dV KmVco.
_§{XamVyZ ~mhoa Amë`mda X{jU XadmOmÀ`m XmcZmV Xod
XodVm§À`m H$moard _yË`m© d {edqcJ {XgVmV d nwT>o doVmi Jm^mam
{XgVmo. `oWyZ ^w`mamVyZ nwT>o Joë`mda X{jUoÀ`m ~mOycm Imoc
Xar {XgVo. Va g_moa _mZ~oQ>Mm gS>m {XgVmo. g^modVmcr C§MM C§M
S>m|Ja {XgVmV. `oWo emhÿ _hmamO Zoh_r {eH$marcm `m`Mo. Ago
åhUVmV H$s, lr _moaOmB©Mo _§{Xa ho nm§S>d H$mcrZ _§{Xa Amho.
nm§S>d AkmVdmgmV AgVmZm `oWo dmñVì`mg hmoVo. Ë`m§Zr EH$m
amÌrV øm gS>çmda _§{Xa ~m§Ymd`mMo R>a{dco hmoVo. na§Vw _§{Xa AY©dQ>
~m§YyZ Pmco AgVmZm H$m|~S>çmZo ~m§J {Xcr d {Xdg CJdcm. _§{Xa
nyU© ~m§Ymd`mMo VgoM amhÿZ Joco d qhò àmÊ`m§Mr d gnmªMr `oWo
dgmhV {Z_m©U Pmcr. _mK _{hÝ`mVrc A_mdmñ`m Pmë`mZ§Va
gmV {Xdgm§Zr åhUOoM aWgá_rcm lr _moaOmB© _mVoMr _moR>r `mÌm
^aVo. nwÊ`m_w§~B©nmgyZ Vo H$moH$U H$Zm©Q>H$n`ªVMo gd© ^m{dH$
_§S>ir AmdOy©Z Xe©Zmcm `oVmV. `mÌoV {d{dY Ym{_©H$ H$m`©H«$_ d
19

EHy$U AmgnmgÀ`m Mm¡Xm JmdmVyZ qXS>çm d nmc»`m `oVmV.
nyOmAMm© Ym{_©H$ àdMZo hmoVmV. `m {Xder npíM_oÀ`m H$S>çmdê$Z
H$moH$U cJVÀ`m g_wÐmH$S>o nm{hë`mg àË`j gmoÝ`mÀ`m
KmJargmaIm gwdU©gy`© g_wÐmV ~wS>mcocm {XgVmo d g_wÐmVrc
àH$me namdV©Zm_wio EH$mda EH$ gmV gwdU© KmJar da {ZKVmV
Ago {dcmo^Zr` Xwc©^ X¥î` {XgVo. ho nmhÊ`mgmR>r npíM_ H$S>oda
`mÌoH$ê§$Mr àM§S> JXu {XgyZ `oVo ho X¥î` dfm©VyZ EH$XmM nhmd`mg
{_iVo.
M¡ÌewÕ 1 JwT>>rnmS>ì`mÀ`m {Xder gy`m}X`mcm gy`m©Mo àW_
{H$aU lr _moaOmB©XodrÀ`m _wIH$_cmda nS>VmV. ho X¥î`
nmhÊ`mgmR>r ^m{dH$ AmXë`m {XdgmnmgyZ _wŠH$m_mcm AgVmV.
àË`oH$ A_mdmñ`ocm XodrÀ`m Xe©ZmgmR>r ^m{dH$m§Mr Iyn JXu
AgVo. `m {XdgmMo _hmËå` Iyn _moR>o Amho.
JmdmVrc d Aml_mVrc AmOy~mOyÀ`m n[agamVrc gd©
^m{dH$m§Mr _moaOmB© Xodrda JmT> lÕm Amho. Vgm hm ^mJ AVr
C§Mrda Amho. nmD$g d W§S>r `oWo _aUmMr Amho. nU Xodr Amnë`m
ghmæ`mcm YmdyZ `oVo Aer `oWrc OZVoMr JmT> lÕm Amho. øm
XodVocm Amåhm {h_mc`Z Q´>oH$g© _§S>irMo gmï>m§J X§S>dV.
- - - _méVr _méVr ~garH$Å>r, ~garH$Å>r, H$moëhmnya
Rajguru Travels - Advertisement
January 2009 SAMVAD
Zddf© ew^H$m_Zm
àgÞVoMo AmO CfoZo gya Z^r N>o{S>co Ÿ&
dmOV JmOV M¡VÝ`mMo, Zddf© AdVaco &&
njrJUm§Zr _Ywa ñdam§Zr, Amg_§V ^maco &
H¥$nmd§V Ë`m na_oemMo, OUy ñVdZ Jm{`co &&
{ZpîH«$`VoMm AÝ`m`mMm, A§Y:H$ma cmoncm &
_moX^am AZ² g¥OZerc, hm Cf:H$mc Pmcm &&
CËgmhmZo à_w{XV hmoD$Zr, H$m`©aV hmoD$ `m &
OÝ_^y_rda ñVwVr H$sVuMr, nIaU hmoD$ Úm &&
H$V¥©ËdmMm gmoZMwam hm, AI§S> VinV amhmo &
`e{gÕrMm Xr{áJmoc Vmo, ñd`§àH$m{eV hmodmo &&
- CÁOdc CÁOdc ~«åhm§S>H$a, ~«åhm§S>H$a, XmXa, _w§~B© 14
j hm`...... !
O
ew^« VmQ>do \w$cco hmoVo {Zù`m dg§VmV
_§X gwJ§Ym CY{iV hmoVm erV-em§V dmV
A{Ya _ZmZo a_cmo hmoVmo VwÂ`m àVrjoV
VmoM AMmZH$ Im§ÚmdaVr {dgmdco Vd hmV !
gm_moar Vy Amcrg Am{U \w$cco hmñ` jUmV
H$_c{_R>rÀ`m nmem_Ü`o Yw§Xmdcr OUw amV !
Amgwgcocm ñne© VwPm AZ² CîUmdcoco œmg
e¥§JmamÀ`m qhXmoù`mda a{V-_XZmMm ^mg !
gwI-gmohim Vmo dUw© H$gm _r Zmhr _Zmcm OmJ
VZw-drUoda Hw$Ur N>oS>cm EH$ AZmoIm amJ !
a{d-VoOmMr erVcVm H$s e{e-{H$aUm§Mr AmJ ?
qH$dm \w$ccr AYagwYoÀ`m A_¥V\w$cm§Mr ~mJ !
hm`, na§Vw {XZ Vo Joco, Joco {H$Vr dg§V
{^a{^aUmè`m OrdZMH«$m Zmhr cm^cr Cg§V !
~wS>Vm Vacmo, qO{H$V hacmo, OrdZJmUo JmV
JmÌo {eUcr, D${_© {Z_mcr OUw H$mimMr hmo _mV !
{hadi Jocr, a§J CS>mco, gao {Xì`mMr dmV
g§Ü`mN>m`m JS>X Omhë`m, XmQy>Z Amcr amV !
AmVm Zwacr _yV© VwPr J§, öX`_§{XamV
Ho$di Caë`m OwÝ`m ñ_¥{V AZ² OI_ A§VamV !
- JmoqdX JmoqdX H$a_aH$a, H$a_aH$a, gm§Jcr
XyaÜdZr : 0233-2320911
20

O ñdmJV ñdmJV Zddfm©Mo
Zddfm©Mo
A
{Zamon XoD$Zr JVdfm©cm
ñdmJV H$é`m Zddfm©Mo
ñ_ê$Zr jU Vo gwIXw:ImMo
Zd df© R>amo AmZ§XmMo
ñdmJV H$é`m Zddfm©Mo Ÿ&&1Ÿ&&
H$mhr _mohao JiyZ nS>co
JmoS> AmR>dUr R>oD$Zr Joco
H$moUr gd§JS>r ZdrZ Amco
OUy ho jUMr AmZ§XmMo
ñdmJV H$é`m Zddfm©Mo Ÿ&&2Ÿ&&
ghc Agmo dm, Vr H$moOm{Jar
^Q>H§$Vr AZ² ñd¡a _wcwI{Jar
{ZË` ^oQw>`m à{V ~wYdmar
Amåhr _mdio H$moëhmnwaMo
ñdmJV H$é`m Zddfm©Mo Ÿ&&3&&
doY cmJco g§H«$m§VrMo
cmSy> Im`Mo {Vim-JwimMo
OrdZ OJÊ`m {Zd¥ÎmrMo
Zddf© R>amo AmZ§XmMo
ñdmJV H$é`m Zddfm©Mo Ÿ&&4Ÿ&&
- - - à^mH$a à^mH$a H$m{ZQ>H$a H$m{ZQ>H$a H$m{ZQ>H$a H$moëhmnya
_mo~mB©c : 9881199199
A{^Z§XZr`
A{^Z§XZr`
gm§Jbr `oWrb Amnbo EH$ g^mgX lr.à_moX
amOXrn ho CÎm_ ObVaUnQy> AgyZ Ë`m§Zr bmVya
`oWo Zmoìh|~a 2008 _Ü`o Pmboë`m 11ì`m
amÁ`ñVar` àm¡T> ObVaU ñnY}V {Vgam H«$_m§H$
nQ>H$mdyZ àm¡T> d`mVgwÕm Amnë`m A§Jr
Agboë`m ObVaUH$m¡eë`mMo CËH¥$ï>> àXe©Z
Ho$bo, Ë`m~Ôb Agmo{gEeZV\}$ Ë`m§Mo hm{X©H$
A{^Z§XZ!
- - goH«o$Q>ar goH«o$Q>ar
goH«o$Q>ar
January 2009 SAMVAD
Tourways - Advertisement
21

ZwH$VoM {XZm§H$ 31 {S>g|~a cm amÌr 12 dmOVm "2008'
ho df© g§nc§ Am{U 1 OmZodmarcm "2009' `m Zì`m dfm©V
AmnU àdoe Ho$cm. Xadfuà_mUo AmnU EH$_oH$m§Zm ew^oÀN>m
XoD$Z Zddfm©M§ ñdmJV Ho$c§ Am{U _mJrc dfm©Vrc H$Sy>-
JmoS> AmR>dUr _ZmV gmR>dyZ Zdo df© Amnë`m gdmªZm gwIg_¥Õr-g_mYmZ
Am{U gwa{jVVm XoUmao Omdmo Aer àmW©Zm
Ho$cr.
Zddfm©À`m AmJ_ZmÀ`m {Z{_ÎmmZo Am_À`m _ZmV _mÌ
"H$mim' {df`rM§ qMVZ gwê$ Pmc§. H$mimM§ dU©Z "AZmXr'
Am{U "AZ§V' (åhUOo Á`mcm AmXr Zmhr Am{U A§Vhr Zmhr)
Ag§ Ho$c§ OmV§ Vo CJrM Zìho. H$maU H$mimMm AmXr Am{U
A§V (AWm©V² àma§^ d eodQ>) emoYÊ`mM§ H$m_ _mZdr ~wÕrÀ`m
n{cH$S>M§ Amho. H$mimMm àdmg AI§S>nUo MmcyM AgVmo.
H$mimM§ _moO_mn _mÌ AmnU ñdV:À`m gmo`rZwgma H$aV
AgVmo. H$mimMo ^yV-dV©_mZ d ^{dî` Ago AmnU VwH$S>o
H$aVmo. H$mi OgOgm nwT>o gaH$V AgVmo Vgm ^{dî`H$mi
dV©_mZmVyZ ^yVH$mimV àdoe H$arV AgVmo. hr {H«$`m
AI§{S>VnUo MmcyM AgVo. H$mimMo ho MH«$ H$mc Mmcy hmoV§,
AmO Mmcy Amho Am{U CÚmhr MmcyM amhUma Amho.
_mUyg Amnë`m gmo`rgmR>r Amnë`m ~wÕrZwgma H$mimMo
goH§$X-{_{ZQ>o-Vmg-{Xdg-_{hZo-df© Ago ^mJ nmSy>Z H$mi
_moOm`Mm à`ËZ H$aVmo. nU H$mimcm `mM§ ^mZ Hw$R>o AgV§?
☺
_moÇ>m _moÇ>m \$aH$
\$aH$
(~Km (~Km nQ>V§` nQ>V§` H$m H$m ?)
?)
A_o[aH$Z Am{U ^maVr` ór_Ü`o \$aH$ H$m` ?
A_o[aH$Z nËZr Amnë`m nVrda XmoZ df© BVH§$ ào_
H$aVo H$s, Ë`mcm gmoS>VM Zmhr. XmoZ dfm©V Vr Amnë`m
ào_mMm H$moQ>m nyU© H$aVo Am{U nVrcm gmoSy>Z XoVo. _J
"ZoŠñQ>'.
^maVr` ór ào_mMm H$moQ>m nyU© hmoD$ XoVM Zmhr.
Ë`m_wio nwéfmcm "ZoŠñQ>'Mr g§YrM {_iV Zmhr. gH$mir
ào_ Va g§Ü`mH$mir AmXiAmnQ>. AemZo ào_mMm H$moQ>m
H$gm nyU© hmoUma? åhUyZ ^maVr` órcm ào_mMm H$moQ>m
nyU© H$am`cm gmV OÝ_ cmJVmV.
- - à^mH$a à^mH$a à^mH$a JwnMyn, JwnMyn, JwnMyn, nwUo
O Zddfm©{Z{_Îm....
Zddfm©{Z{_Îm....
January 2009 SAMVAD
Vmo Amncm ñdV:À`m JVrZwgma MmcyM amhUma Amho.
H$mcnQ>cmda _mUyg ñdV:À`m H$V¥©ËdmMo R>go C_Q>drV AgVmo.
H$mhr R>go cJoM nwgco OmVmV; H$mhr XrK©H$mi amhVmV. nwÝhm
Zdo R>go H$mcnQ>cmda C_Q>VmV. hr {H«$`mXoIrc gmVË`mZo
MmcyM AgVo.
{dMmam§Mo Ago AZoH$ H$„moi _ZmV C_Q>V Agco Var AmnU
Ë`mV OmñV Jwa\$Qy>Z Z OmVm EH$_oH$m§Zm Zddfm©{Z{_Îm ew^oÀN>m
Úmì`mV hoM ~a§ Zìho H$m ? Amåhmcm _mÌ AmO g§Vloð>
kmZoœa _mD$crZo "{dœmË_H$ Xodm'- nmer _m{JVcoë`m
ngm`XmZmMr Vrd«VoZo AmR>dU hmoV Amho.
""Xw[aVm§Mo {V{_a Omdmo Ÿ& {dœ ñdY_© gy`} nmhmo Ÿ&
Omo Oo dm§N>rc Vmo V| cmhmo Ÿ& àm{U OmV Ÿ&&''
- g§Vloð> lrkmZoœa _hmamO Aer àmW©Zm H$arV
AgVmZmM -
""Oo Iim§Mr ì`§H$Q>r gm§S>mo Ÿ& V`m gËH$_u aVr dmT>mo Ÿ&''
""^yVm§ nañnao nS>mo Ÿ& _¡Ì Ordm§Mo Ÿ&&''
- hr _ZmVrc BÀN>m ì`ŠV H$aVmV. Zddfm©{Z{_Îm
EH$_oH$m§Zm ew^oÀN>m XoV AgVmZm AmnU XoIrc lr kmZoœa
_hmamOm§M§ ñ_aU H$ê$Z Ë`m§À`mM eãXmV na_oœamOdi
åhUOoM "{dídmË_H$ Xodm'Odi àmW©Zm H$ê$ `m.
- - H«$m§{VgoZ H«$m§{VgoZ am_M§Ð am_M§Ð AmR>dco, AmR>dco, nwUo
^«_UÜdZr : 9869941691
MwH$MwH$
MwH$MwH$
A§Ymaco gmao, {ZIico Vmao Ÿ&
YaVrMr AmoQ>r, nar ^acr Zmhr Ÿ&&
cmJco J«hU, nmhy ZH$mo ~mB© Ÿ&
gmdcrV gy`©, C^m amhr Ÿ&&
COmS>oc AmVm, CR>Vrc njr Ÿ&
_mÂ`m _Zr Va, H$mhr Zmhr Ÿ&&
CcQ>çm KS>çmda, AmoVmdo nmUr Ÿ&
VgoM gmao, dm`m OmB© Ÿ&&
Cacm H$mimoI, nhmQ>oMr ^yH$ Ÿ&
hmdar amhr, hmdar amhr Ÿ&&
- - gm¡.H$ënZm gm¡.H$ënZm gm¡.H$ënZm gw^mf gw^mf H$moR>mao, H$moR>mao,
H$moR>mao,
gm§VmH«w$P, _w§~B©
22

January 2009 SAMVAD
Regd. under RNI No. MAHBIL/2008/25425 & Declaration No. PHM/SR/63/VIII/2008 Dated 12/5/2008
SSPO Pune under Postal Concession register No. L-2/RNP/PNW/M-144/2008-2010 Dated 28.05.2008
Licence to post without Prepayment No.: LWP-217 at Market Yard PSO, Pune 37on 25th of each Month
à{V{H«$`m
à{V{H«$`m
"g§dmX' Mm {S>g|~aMm A§H$ {_imbm. Ë`mVrb nmZ
14 darb "AOmVeÌy loð>r' hm H¡$.gwaoe nVH$s `m§À`mdarb
boI dmMbm. AË`§V `mo½` eãXmV lr.nVH$s `m§Mo~ÔbÀ`m
AmR>dUtZm COmim {Xë`m~Ôb lr.S>r.Ama.~|Ðo `m§Mr d Vmo
boI N>mnyZ gd© g^mgXm§n`ªV nmohmoMdë`m~Ôb g§nmXH$
_§S>imMr _r AË`§V Am^mar Amho. "g§dmX' n{ÌHo$VyZ Zoh_rM
INVITATION
You are most cordially invited for a
"Free Body Analysis & Check up"
XO}Xma boI, AZw^d B. dmMmd`mg {_iVo. nydu ~±Ho$Mo Tests: Height, Weight, Body FAT, BMI, TSF,
Ì¡_m{gH$ "H$brJ' Kar Amë`mda {OVŠ`m AmdS>rZo dmMV
Metabolic Age & Visceral Fat
hmoVo, {VVŠ`mM AmdS>rZo "g§dmX' hr dmMVo. "g§dmX'_Ü`o
Monday to Saturday
Zoh_rM gdmªJrU {df`m§darb CÎm_ boI, H${dVm, {dZmoX,
from 7 a.m. to 10 a.m.
OrdZmÀ`m dmQ>MmbrVrb {Za{Zamù`m gwIXw:Im§À`m The Body Analysis will be conducted by using the latest
AZw^dH$WZmdarb boIm§À`m g_mdoem~amo~aM, Bio-Impedance Technology from Japan.
godm{Zd¥Îmm§À`m àým§g§~§Yr Mmbboë`m Agmo{gEeZÀ`m Invest 15 min. to understand the status of your body.
bT>çm{df`tMr _m{hVrXoIrc AgVo. Ë`m_wio gd©OU NEUTRINO-THE NUTRITION CLUB
"g§dmX'Mr Xa_hm AmVwaVoZo dmQ> nhmV AgVmV. "g§dmX'À`m
nwT>rb dmQ>Mmbrg ew^oÀN>m.
"SIPL Digital Planet"
2146, Sukhada Apartment, Opp.Hotel Kaveri,
- gw_§Jbm gw_§Jbm gwaoe gwaoe gwaoe nVH$s, nVH$s,
nVH$s, H$moëhmnya
Vijaynagar Colony, Sadashiv Peth, Pune - 30.
Mandar : 9370324251
gyMZm gyMZm gyMZm : :
: 1) `m _m{gH$m§V à{gÕ Pmcoë`m coIm§Vrc _Vm§er g§nmXH$_§S>i gh_V AgocM Ago Zmhr. VgoM Om{hamVrVrc _OHw$amMr
gË`mgË`Vm g^mgXm§Zr ñdV: nS>VmiyZ ¿`mdr. Ë`m~m~V Agmo{gEeZ dm "g§dmX' Mo g§nmXH$ _§S>i O~m~Xma AgUma Zmhr.
2) Agmo{gEeZMo H$m`m©c`, gmo_dma Vo ewH«$dma, g§Ü`mH$mir 6 Vo 7.30 `m doimVM CKS>o AgVo. `mMr H¥$n`m Zm|X ¿`mdr.
g§nH©$ XyaÜdZr H«. (020) 24332141
Printed Matter
If Undelivered Please Return to :
To,
STATE BANK OF INDIA PENSIONERS'
ASSOCIATION, (MUMBAI CIRCLE), PUNE
Anubandh, Building No. B-2, 4th Floor,
Block No.16, Near Ramkrishna Math,
Sinhagad Road, Pune 411030. Ph: 24332141
NEUTRINO
THE NUTRITION CLUB
Publisher – Shri. Ramchandra Narayan Lalingkar, Secretary, State Bank of India Pensioners’ Association
(Mumbai Circle),Pune has printed this magazine in the Printing Press owned by Printer – Shri.Chandrashekhar
Digambar Joshi, Director, Shree J Printers Pvt.Ltd., at 1416 Sadashiv Peth, Datta Kuti, Pune – 411030 on
behalf of 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
Ramchandra Athawale – address as above.
23