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P N Sharma

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INTERVIEW OF THE WEEK

The biggest advantage of PLI is that, its low on premiums & high on returns. PLI does not spend much in procurement of business in the form of payment of commission to the agents etc. and in turn pass on the surplus in the form of handsome bonus to the insurants, said Mrs.Anju Dasgupta Member I&FS.
In an interview to <whispersinthecorridors.com> she said "The PLI products are designed in such a way that an employee can pay his premium in monthly, quarterly, half-yearly or in annual installments and get the maturity amount at the end of the term or at the time of his superannuation." Under PLI ,Mrs. Anju Dasgupta said "some rebate is also given for advance payment of premium." Answering another question Mrs.Dasgupta said "RPLI is growing at a rate exceeding 40% in recent years and has created a very good impact on rural population" Moreover she said "not just residents of rural areas but also persons ordinarily resident in a village but temporarily located in an urban area - e.g. labourers and construction workers - or even NRI's abroad - are eligible to take a Rural PLI Risk Coverage upto Rs.3 lakhs is provided under RPLI."

What is Postal Life Insurance (PLI) ?

A-Postal Life Insurance(PLI) is the oldest life insurance scheme in India. This was introduced in the year 1884. PLI is meant for all Central & State Government employees & employees of public sector undertakings,universities, government aided educational institutions, nationalized banks, local self bodies and those who are in the defence services as well as paramilitary forces.Under this the risk coverage is upto Rs.10 lakh .

Is there any advantage in PLI as compared to Life Insurance products of other Life Insurance Service providers in India ?

A-Premiums in PLI schemes are much lower as compared to the premiums charged by other corporations and companies for life coverage. Also the bonus rates are substantially higher in PLI as compared to similar schemes of other Life Insurance Companies. This is possible because operational cost of PLI is much lower and it operates through the infrastructure of nearly 1,56,000 Post Offices spread all over the country. PLI does not spend much in procurement of business in the form of payment of commission to the agents etc. and in turn pass on the surplus in the form of handsome bonus to the insurants.

What are the different products under PLI ?

A-PLI has Endowment Assurance Schemes, Whole Life Assurance Policies, Convertible Whole Life Policies, Anticipated Endowment Assurance Policies, Joint Life Endowment Assurance Policies (Yugal Suraksha) for such couples both of whom are entitled for PLI coverage and Children Policies for such insurants who are already having PLI policies. The PLI products are designed in such a way that an employee can pay his premium in monthly, quarterly, half-yearly or in annual installments and get the maturity amount at the end of the term or at the time of his superannuation. The details of the policies are available on the web site of the Department of Posts: <indiapost.gov.in>

How one pays his premium ? What happens in the case of transfer of an insurant ?

A- Government employees have the option of paying premium by monthly deduction from salary. One can also deposit his premium through any Post Office. Some rebate is also given for advance payment of premium. Payment of premium in PLI schemes is very transparent and convenient. If an insurant is transferred say from one place/State to another, his policy is also transferred to his new place of posting and he can continue to pay his premium in usual way.

What is Rural PLI, in what way is it different from PLI ?

A-Rural PLI was introduced in 1995 as a result of the recommendation of the official committee for reforms in the insurance sector (Malhotra Committee). The prime objective of this scheme is to provide life insurance cover to the rural public in general and to benefit weaker sections and women workers of rural areas in particular and also to spread insurance awareness among the rural population. The schemes under Rural PLI are similar to those under PLI. However, the premium tables and bonus rates are different. RPLI is growing at a rate exceeding 40% in recent years and has created a very good impact on rural population.

Not just residents of rural areas but also persons ordinarily resident in a village but temporarily located in an urban area - e.g. labourers and construction workers - or even NRI's abroad - are eligible to take a Rural PLI Risk Coverage upto Rs.3 lakhs is provided under RPLI.

WE REQUIRE CORRESPONDENTS

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we are going to appoint state correspondents in all State Capitals. Those who are interested may rush their bio data with two references in strictest confidence to
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AN IMIGINARY MEETING
Commies and UPA met at 7 Race Course. And by the wonder of imagination I'm letting you know of what transpired.

PM: I welcome you all to this meeting… let's come straight to the single point agenda.
Karat: I protest at the seating arrangement…….by this arrangement you are trying to single us out.
Sonia: It's a meeting between UPA and Communists and so we are sitting across the table.
Karat: No as I see it this is a meeting between those who want a midterm poll and those who don't!!!
PM: But I thought this was a meeting on the Nuclear Deal!!!
Karat: No I feel this meeting is on the political consequences of this Deal…. let's take a vote on those who want midterm poll and those who don't!!! And I speak and vote on behalf of my Communist friends present at this meeting!!!
Laloo and Pawar (in unison): We don't want a midterm poll.
PM: Why jump to conclusions…. let's discuss the Deal….. I get the feeling that Communists are against this Deal because it's with America . To address this objection I propose that Deal Document will be in American English , Hindi, Chinese and Russian.
Karat: But what about the content…… we feel the Deal will allow America to bully India !!!
Sonia (aside to Manmohan): Why do they forget the CMP……. doesn't that allow Commie bullying????
Manmohan : Ahem……. there is nothing in the Act that will allow any such thing to happen!!! However, China has reason to feel threatened!!!
Karat: What about the Hyde Act provisions!!!
Manmohan: Bush too has said that Hyde Act provisions are just advisory and nothing more.
Karat: Neither does Bush know the meaning or the spelling of the word Advisory!!!
Sonia: No need to get personal……. please be specific about what provisions in the Hyde Act you find offensive?
Karat: We are studying the Act…….. first we had to get the Act translated into Russian and Chinese and then we had to send the translated versions to various Politburos…… we Communists believe in consensus!!!
Manmohan: Whenever India has looked westwards for business Communists have used the slogan ' be Indian buy Indian'….. on this Deal why don't you keep the Chinese and Russians out……be Indian think India????
Karat: Sorry no can do……. Communism has no borders…… we are all one!!!
Manmohan: But its well known that China for its selfish reasons would not like India to go Nuclear.
Karat: It's not selfish but strategic reasoning!!!
Sonia (aside to Manmohan): So in their perception what is good for China is good for India?????
Manmohan: I feel that China does not want India and USA to cosy up to each other and also does not want India to progress!!!
Karat: America is overpowering ……. we did a recent survey and do you know that post the entry of McDonalds , Pizza Hut, Dominos and Kentucky there has been a 26.75% fall in Chinese eateries in India…. many Chinese eateries have closed down and American style eateries or Coffee Shops have opened up in place of Chinese eateries???
Sonia: You let the Deal go through and we'll make it a law that every Indian has to eat 10 Chinese meals in a month. Government Canteen Menus will have 25% Chinese items and these items will be outsourced from local Chinese Restaurants.
Karat: You underestimate the Americans….. do you know now Dominos is already offering Pizzas with Manchurian balls as a topping???
Laloo and Pawar ( in unison): All this talk about Pizzas and Manchurian balls has got us hungry…. lets have lunch!!!
Manmohan (aside to Sonia): Laloo and Pawar have been talking in unison …. will they eat in one plate too…. fear of midterm election ne banayi jodi, voters ke liye dono hai koddi (leper)????

Break for lunch and post lunch they meet again.

Manmohan: I implead you to keep India in mind when you decipher or discuss this Deal!!!
Karat: Communism comes first for us and in our opinion Communism is the answer to India's problems!!!
Sonia (aside to Manmohan): Communism is the cause of India's problems!!!
Manmohan: See let me make it clear now its not possible to go back on the Deal…… and discussing the Deal with IEAE is not operationalzing the Deal.
Karat: For us any step towards finalizing this Deal is operationalizing!!!
Manmohan: Discussing a Menu is not eating…. eating is when you put the food in your mouth……. how can discussing be operationalizing????
Karat: No use….. we are against any discussions!!! Any step in this direction and we will withdraw support!!!
Laloo and Pawar (in unison) : Duhaaee…. no midterm poll…….. Sonia ji aap kuch bolo!!!
Sonia ( handing over a box of tissues for both to wipe the sweat of their brows): Why don't you two talk to Karat????
Laloo and Pawar: Karat Ji don't withdraw support……… and by the way like us Communists too will be routed in a midterm poll!!!
Karat: Then you two drill some sense into Congress!!
Laloo and Pawar: Manmohan Ji power should come first……. Deals come and go!!!
Manmohan: This Deal is very good for India's future…….. I think future generations will be thankful to us!!!
Laloo and Pawar (in unison): There's a proverb …. Is God nearer or a punch in the face???? Indians future thankfulness is not going to give us power in the next election….123 Deal in the near future has no benefits for us….. as of now and in the near future this Deal only means trouble for us!
Manmohan: Then what do you want?????
Karat: As we see it …. drop the Deal or put it in the cold box !!!!
Laloo and Pawar ( in unison): Yes ....yes ..... and then no midterm poll!!!
Sonia (aside to Manmohan): Why don't you ask them to give us their specific objections and vide this we'll buy some time????
Manmohan: Yes why don't you give us your specific objections to the Deal and we'll talk to the Americans so as to address your objections???? (aside to Sonia) Yes that should buy us time to present the Budget without dumping the Deal o putting it in the cold box….. technically it'll be under discussion!!!!
Karat: Okay we'll get back to you on this.
Laloo and Pawar in unison and jumping up with joy: Status quo….. status quo...... jhoom jhoom ke naacho aaj gao kushi ke geet (today dance and sing songs of happiness)!!!
Sonia (aside to Manmohan): Fools of a feather sing and dance together……. now quietly work on the Deal and post Budget lets give all of them a surprise they'll never forget…. every passing day we'll appease the Public and Congress's prospects in the event of a midterm poll will only get better!!!
Laloo to Pawar (aside to each other in unison): Post Himachal and Gujarat elections Congress would start fearing midterm polls like we do!!!
Karat (exits singing to himself): Kall kyaa hogaa kiss ko pataa abhi zindagi ka le lo mazaa (Bollywood song…..what will happen tomorrow … who knows…. lets enjoy life today)!!!

The other Commies walk out with him humming the tune of this song!!!

Bharat Kumar
Aaj_ki_aawaz@yahoo.com r

Cabinet reshuffle next week

Cabinet expansion cum reshuffle of Manmohan Singh Government is expected to take place next week most probably on Monday.

Mulayam meets Sonia Gandhi !

A reported meeting between Sonia Gandhi and Samajwadi Chief Mulayam Singh Yadav at Ten Janpath has created ripples in the political circles particulraly in the Mayawati camp.

Badal Das to retire this month
Secretary Culture in the Government of India Badal Das is superannuating by this month end. He is 1972 batch IAS officer of Madhya Pradesh cadre.

V Ashok is next Ambassador of India to Zimbabwe
V Ashok (IFS - 1982), presently Joint Secretary at Headquarters, has been appointed as the next Ambassador of India to Zimbabwe in succession to Ajit Kumar. He is expected to take up his assignment shortly.

CM 's trusted officials changed in Karnataka
Three IAS officers close to the outgoing Chief Minister and Deputy Chief Minister have been transferred. D.V. Prasad Secretary to Chief Minister, has been posted as Secretary Animal Husbandry and Fisheries Department.Another Secretary Rakesh Singh has been transferred as managing director for the Hutti Gold Mines Limited.
Siddaiah, Secretary to Deputy Chief Minister, has been moved as Secretary Health and Family Welfare Department.

I & B Minister stalls transfer
B M Bakshi, who was supposed to have been transferred as OSD to CEO, has reportedly been stalled by Minister I&B's orders. Prasar Bharti CEO B S Lalli had ordered the posting of Bakshi from the North-East. It means I & B Minister P R Dasmunshi and Lalli are not getting along.

New AP Lokayukta
Justice S Ananda Reddy is new Lokayukta of Andhra Pradesh.

Alok Katiyar is MD Chhattisgarh Tourism Board

Alok Katiyar will be new Managing Director(MD) of the Chhattisgarh Tourism Board(CTB).Katiyar who is an Indian Forest Service(IFS) officer will also hold the charge of Director Tourism.From the date of assumption of charge by Katiyar,D.k.Shrivastava will stand relieved from the charge of MD Chhattisgarh Tourism Board.

Two brothers are Chief Secretaries
Chief Secretary of Maharashtra Johny Joseph and Chief Secretary of Kerala Thomas Joseph are brothers. While Johny is 1972 batch IAS officer Thomas is 1973 batch IAS officer.

Belapurkar quits BHEL
Belapurkar, ED Planning and development, has quit BHEL two months before his retirement. It is, however, not yet clear that where he would be joining next.

Bharti is Director MHA
Animesh Bharti has joined as Director in the Ministry of Home Affairs. He is 1993 batch IES officer.

Two IPS to be DIGs this month
Two 1991 batch IPS officers A Natrajan and Siddo Hembrom are being promoted to the rank of DIG in Jharkhand this month.

Railway postings
S K Mallik, SAG, FA&CAO(C), East Central Railway has been transferred to Railway Board and posted against the downgraded HAG post of Adviser (AR)/Railway Board being operated in SAG as Executive Director (AR), vice S K Kaushik, SAG, proceeded on deputation. Ram Adhar, SAG/Eastern Railway has been moved to East Central Railway and posted as FA&CAO(C)/East Central Railway vice S K Mallik. M S Khan, SAG/East Central Railway, on his return from leave has been posted as FA&CAO. P K Jha, Group 'B' officer of Accounts Department of East Central Railway, presently working as Senior Accounts Officer (Traffic) has been transferred to Workshop Projects Office/Patna .

IAS officer goes on leave
Orissa cadre 1977 batch IAS officer N C Vasudevan has proceeded on long leave.

Ms.Shalini Raina joins as Jt Dir EGS in Chhattisgarh

Ms.Shalini has joined as Joint Director Monitoring of Employment Guarantee Scheme(EGS)in Chhattisgarh Government's office of Development Commissioner.She is an Indian Forest Service(IFS)officer of the 2000 batch.

ISS postings
H K Sharma has been moved from Chandigarh to the Ministry of Tribal Affairs in the Government of India. V P Goel has been shifted from Jammu to the Ministry of HRD.P K Bist will go from Raipur to Bhubneshwar. A K Mathur has been transferred from Delhi to Chandigarh.

Barua takes over as President in Assam
Retired IAS officer Bhaskar Barua has taken over as the new president of Ashadeep Mental Health Society in Assam.

IPS officer elected Vice President
V. Dinesh Reddy VC & Managing Director of APSRTC has been elected Vice-President of the Association of State Road Transport Undertakings. He is 1977 batch IPS officer.

IAS postings in Pondicherry
Vijay Kumar Bidhuri has been appointed new Project Director of the District Rural Development Agency. Present Project Director P Mathew Samuel has been moved as Managing Director of Swadeshee-Bharathee Textile Mills Limited.

18 SPS promoted in Tamil Nadu
Eighteen Additional Superintendents of Police have been promoted as Superintendents of Police in Tamil Nadu .

Singh is Additional Judge of J&K HC
President has appointed Jai Pal Singh as an Additional Judge of the Jammu & Kashmir High Court for a period of two years.

4 Addl judges of Punjab & Haryana Court appointed

As many as four incumbents have been appointed as Additional Judges of the Punjab and Haryana High Court, in that order of seniority, for a period of two years with effect from the dates they assume charge of their respective offices. They are:Mohinder Pal,Harbans Lal,Sham Sunder & Karam Chand Puri.

I & B Ministry lifts ban on Live India

The Indian Information & Broadcasting Ministry has lifted the month-long ban on the Live India (formerly Janmat)Channel that imposed on September 20,for telecast of a fake sting.The episode had taken an ugly turn following mandhandling &arrest of a Delhi school teacher.The ban has been lifted with effect from October 13,2007.

Festival season a good chance for PR on poll eve in Gujarat & HP

The festival season of Id Ul Fitr & Navaratri is a good chance for public rationing(PR) as far as politicians of Gujarat & Himachal Pradesh were concerned.In either states assembly polls are to be held in December 2007.

FORUM

Dear P&T F&A service officers,
It is really interesting that now you are cribbing of your own decisions. At that point of time when ITS were repatriated you were so happy. Why you want to go on deputation to BSNL and MTNL when there is sufficient vacancy within the Government. Are you really interested in BSNL & MTNL? Then why did you opted against it.? Now this shows that you want to do something which cant be brought here.

Pankaj Garg

The absorption issue is under litigation. The Government cannot alter the conditions of service without the consent of employees. The Govt. posts in BSNL/MTNL are proposed to be made excadre and put ITS officers in surplus pool. How far this can be justified. The posts of Sr DDGs/Advisors in DoT including the post of Member Production are not filled up for more than a year. ITS is put to lot of inconvenience by not giving promotions to JAG/SAG/HAG etc in the last two years. On absorption to BSNL/MTNL officers not only lose the status but also incur financial loss. Let DoT discuss the issues with ITSA and settle for amicable solution in the changed situation or else the stale mate continues. Similar stalemate continues in Prasar Bharti after a decade.

R U Rao

TAIL-PIECE

Vajpayee and Bush are sitting in a bar. A guy walks in and asks the barman, "Isn't that Bush and Vajpayee?"
The barman says "Yep, that's them." So the guy walks
over and says, "Hello, what are you guys doing?"
Bush says, "We're planning world war 3"
The guy says, "Really? What's going to happen?"
And Vajpayee says, "Well, we're going to kill 14
million Pakistanis and one bicycle repairman."
And the guy exclaimed, "A bicycle repairman?!! !"
Vajpayee turns to Bush and says, "See, I told you no-one would worry about the 14 million Pakistanis!"

Contributed by _Col Satish Dewan

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CORPORATE

Dayal is ED (Internal Audit ) NACIL

R Dayal is the Executive Director (Internal Audit) of the National Aviation Company of India Ltd (NACIL), the new company into which Air India and Indian have been merged.

Air India Receives Its First Boeing 777-300ER Aircraft

The first Boeing 777-300ER (Extended Range), was inducted by Air India on Friday in its fleet. The aircraft, christened 'Bihar', in keeping with Air India's policy of naming B777s after the various states of India, has a total of 342 seats in three-class configuration - four First Class, 35 Executive Class and 303 Economy Class seats.With the induction of the second B777-300ER later this month, these aircraft will be deployed on the Delhi-London-New York and Amritsar-Delhi-London-New York routes.Fifteen Boeing 777-300ERs have been ordered by Air India. The aircraft are part of the the 68 aircraft ordered by Air India in December 2005.The order, considered to be the largest made so far in the civil aviation history of India, was for eight B777-200LRs, 15 B777-300ERs, 27 B787-8 Dreamliners and 18 B737-800s.The first B777, a 777-200LR (Longer Range) Worldliner aircraft was delivered to Air India in July 2007, which enabled Air India to start its nonstop services between Mumbai and New York. To date, Air India has received 14 Boeing aircraft, including three B777-200LRs, one B777-300ER and 10 B737-800s for Air India Express, the budget airline of Air India. The induction of these aircraft has enabled Air India to not only significantly expand and modernise its fleet, but also helped in offering passengers a new era of unprecedented comfort, besides operating flights on several new routes through expansion of the network.

SAIL's MTI & IIM -Indore join hands

The Ranchi-based Management Training Institute (MTI) of Steel Authority of India Limited (SAIL)has signed a memorandum of understanding with the Indian Institute of Management (IIM), Indore in Delhi. This MoU shall enable both the institutes to conduct joint programmes for various organisations in areas of common interest, particularly in steel and allied sectors. The MoU was signed by Sushim Banerjee Executive Director (HRD) MTI & Prof. SP Parashar, Director, IIM, Indore, in the presence of SAIL's Director (Personnel) G. Ojha. The picture shows Sushim Banerjee and Prof. SP Parashar exchanging copies of the MoU while G Ojha (centre) looks on.

ONGC chalks out Assam Renewal Project
Oil and Natural Gas Corporation (ONGC) has chalked out an Assam Renewal Project with an investment outlay of Rs 4,000 crore.

Amit Bhatia quits Big FM
Amit Bhatia Director Big FM has reported to have resigned.

Starcom promotes Nikhil Rangnekar
Starcom Worldwide has promoted Nikhil Rangnekar as Executive Director, India-West. At present he is general manager.