1. It has always been our endeavour to provide up-to-date information on policy matters, welfare schemes, rehabilitation, pension policies, health care and other associated issues to the retired naval community and widows/ dependents. Year 2007 was declared as „Year of Naval
Families‟ (YONAF). Details of short and long term activities undertaken
during YONAF at Commands and NHQ level have been included in this issue.
2. In order to resolve complexities involving timely release of pension, children education, vocational courses for spouses, rehabilitation of widows of naval personnel and to reach out to maximum numbers of affected families, a Data Bank is being prepared with required details. At present data in respect of 1500 widows has been compiled with the aim to reach out to every widow to provide necessary help.
3. Over the years, Navy has taken number of steps to fulfill its obligation towards its Veterans. The retired officers have the Navy Foundation as a forum for maintaining contact among its members, representing problems/ issues pertaining to the retired officers and their families. However, there was no equivalent organisation for retired sailors. In deference to the wishes of ex-sailors and to espouse their cause, a Veteran Sailors Forum (VSF) has been established by Naval Headquarters at Delhi on 10 Apr 08. Similar forums will be established at all the Commands by 15 Sep 08. Memorandum of Association and Rules and Regulations on VSF have been widely circulated. Relevant information has been included in this issue.
4. Medical facilities for self and dependents has been a critical requirement of retired personnel. In order to outreach maximum number of retired service personnel, ECHS facilities are being provided through 106 Armed Forces Clinics at military stations and 121 new polyclinics at non-military stations. The specialised medical treatment is being provided through recognised medical institutes. Provision has also been made for free cardiac check up at recognised institutes. Updated information specifically relevant to ECHS beneficiaries has been included in this issue.
5. Various queries are often raised by the retired community regarding Air Force Naval Housing Board, recruitment into the Navy, Raksha Mantri Discretionary Fund, latest details on NGIF schemes and INBA,
Sponsorship Scheme for sailors entry etc. Relevant information on
these aspects has also been included in this issue.
6. List of Important Websites.
(a) www.irfc-nausena.nic.in This website is maintained by the
Information Resources and Facilities Centre at IHQ, MOD (Navy).
Information regarding VSF is hosted on DESA page.
(b) www.indiannavy.nic.in This is the official website of the Navy.
(c) www.dgrindia.com This website is maintained by the Director
General, Resettlement and contains valuable information
regarding resettlement opportunity, employment assistance
provided to ESM, various forms and news from the Kendriya
(d) https://navpay.gov.in This is the official website of the Naval
(e) www.mod.nic.in The website of Ministry of Defence.
(f) www.persmin.nic.in The website of Ministry of Personnel,
Public Grievances and Pensions.
(g) www.pcdapension.nic.in The website of the Principal
Controller of Defence Accounts (Pensions), Drupadi Ghat,
(h) E-mail Id.
(i) DNPF - email@example.com
(ii) DPA - firstname.lastname@example.org
(iii) DESA - email@example.com
(iv) CABS Pension Desk - firstname.lastname@example.org
(v) VSF Delhi - vsfdelhi.yahoo.com
(vi) ECHS - email@example.com
1. Improvements in the INBA Welfare Schemes. The following
decisions have been taken during Annual General Meeting of INBA
held at Kochi on 19 Feb 08 and improvements in the existing benefit
schemes will be admissible to naval personnel wef 01 Apr 08:-
(a) Rate of Scholarship. Rate of scholarship in respect of
children of serving naval personnel has been enhanced upward
from the forthcoming academic year ie 2008-09 as under:-
(i) Boarders - 20,000/- pa
(ii) Day Scholars - 10,000/- pa
(b) Education Loan. Quantum of education loan applicable to
eligible serving naval personnel would henceforth be subject to
the actual expenditure of the course and the availability of
sufficient repayment capacity of the applicant as per the norms in
vogue recoverable in maximum of 96 installments.
(c) Merit Scholarship. Merit scholarships are admissible for
graduation courses to children of all naval pensioners. Besides
these, scholarships for recognized vocational courses of 50
weeks or more duration are also given to sailors‟ children only.
The rates of scholarship per annum are Rs 6,000/- for day
scholars and Rs 10,000/- for boarders. Eligibility details are as
Officers‟ Children Sailors‟ Children
Sc Stream Hum Stream Sc Stream Hum Stream
Marks in 10+2 Board 80% 75% 65% 60%
For Post Graduation
Marks in Graduation 70% 65% 65% 60%
For Vocational Courses
Marks in 10+2 Board - - 65% 60%
Renewal 60% 60% 60% 60%
(d) Duration of Merit Scholarship.
(i) Duration of merit scholarship has been extended to 6
years for post 10+2 prospective higher course provided
there is no break in the study.
(ii) Application form for scholarship is available with naval
authorities, NCC units, Zila Sainik Boards and Secretary
INBA. Typed/hand written applications are to reach Naval
Headquarters by 01 Nov.
(e) Scholarship for Physically Challenged Children of
Retired Naval Personnel. Scholarship for physically challenged children of retired naval personnel are admissible for first two
school going children between ages of 3 and 18 years ie. for a
period of 15 years. The rates are as follows:-
(i) Day Scholars - Rs 200/-pm
(ii) Boarders - Rs 400/-pm
(f) Lump sum Grant on Death of Naval Pensioner. The
lump sum grant-in-aid to next-of-kin on death of a pensioner after
retirement is as follows:-
(i) Officers - Rs 20,000/-
(ii) Sailors - Rs10,000/-
(g) Grant for Marriage of Children. Next-of-kin of naval
personnel, who die in harness and as pensioners, are given grant
as under per child up to maximum of two children:-
(i) Officers‟ Children - Rs 20,000/-
(ii) Sailors‟ Children - Rs 10,000/-
(h) Remittance of Benefits from INBA. Remittance from INBA
would be directly transferred to applicant‟s bank account provided the bank account details including MICR and IFS codes are
furnished in the application.
(j) Travel/ Incidental Expenses. Naval pensioners required to be transferred from one service hospital to another out station
service hospital for medical treatment have to incur substantial
expenditure. To alleviate this financial hardship a grant of Rs
500/- as travel/incidental expenses is given on recommendation
of concerned service hospital.
(k) Rehabilitation Grant. All sailors on invalidment from service due to TB/Paraplegia/Leprosy etc. are given a rehabilitation grant
of Rs 7500/-
(l) Assistance for Self Employment. Financial assistance up
to Rs 20000/- is given to ex-sailors in indigent circumstances for
starting self help economic venture like KIOSKS besides supply
of sewing machines etc to widows.
(m) Rate of Subscription. The rate of monthly subscription to INBA from members has been enhanced wef 01 Apr 08 as
(i) Officers - Rs 100/- per month
(ii) Sailors - Rs 40/- per month
2. Naval Group Insurance Fund. The following major decisions were
been taken during Annual General Meeting held at Kochi on 19 Feb 08
(a) General Group Insurance Scheme (GGIS).
(i) Death Whilst in Service. Insurance cover under General
Group Insurance Scheme enhanced to Rs 20 lacs for officers
and Rs 10 lacs for sailors/naviks wef 01 Apr 08 against
revised premium of Rs 2000/- pm and Rs1000/- pm
(ii) Post Retirement Death Insurance Extension Scheme
(PRDIES). Insurance cover under the PRDIES scheme
stands at Rs 4.5 lacs for officers and Rs 2 lacs for sailors
against non refundable premium of Rs 20778/- on pro-rata
basis and Rs 15500/- respectively for a period of 30 years
after retirement or up to attainment of 75 years of age
whichever is earlier.
(iii) Aviation, Submarine and IMSF Cadre Personnel. A
widow/ NOK/ nominee of Aviation/ Submarine/ IMSF cadre
personnel is entitled to Rs 4 lacs and 2 lacs for officers and
sailors respectively in addition to the (a)(i) above, under
(iv) Disability cover has been enhanced to 75% of insurance
cover for 100% disability and on pro-rata basis up to 20%
disability on invalidment from service. The disability cover is
applicable to those members, who are discharged before the
completion of engagement period.
3. House Building Advance (HBA). House Building Advance
(HBA) enhanced to Rs 25 lacs for officers and Rs 12 lacs for sailors
subject to repayment capacity of member. Other conditions remain
4. Termination of UTI - SCUP. The UTI Mutual Fund, the sponsors of
UTI SCUP Scheme, post restructuring of the Unit Trust of India, have
decided to terminate the UTI SCUP scheme wef 18 Feb 08 and offered
an alternate health insurance product of New India Assurance
Company (NIAC) to the members who are below 58 yrs in lieu of UTI
SCUP. It has, therefore, been decided that:-
(a) All naval personnel who are below 58 years of age and are
members of UTI SCUP scheme should withdraw from the SCUP
scheme immediately. Members who have not yet withdrawn from
the scheme are requested to submit the same to Secretary, Naval
Group Insurance Fund at IHQ, MOD (N) for submission to UTI
Head Office at Delhi for refund.
(b) Members who are 58 years of age and above to continue
with UTI SCUP scheme. They will be entitled to utilise the
empanelled hospitals as hitherto.
5. Issue of Mobility Equipment. The Kendriya Sainik Board provides
Tri-scooters to the disabled ex-servicemen, whose disability has been
accepted as attributable to military service. Modalities to avail this
assistance from Kendriya Sainik Board are as follows:-
(a) Application on prescribed proforma, available at ZSB/RSB,
is to be submitted to DESA along with following documents:-
(i) Copy of the CDA (P), Allahabad PPO, under which
disability has been accepted as attributable to military
service duly attested by the Zila Sainik Welfare Officer
(ZWSO). Copy of pension book is not required. Percentage
of disability may also be mentioned.
(ii) A certificate in original from the nearest military
hospital that the individual can move effectively only with
the help of motorised tricycle.
(iii) Copy of Identity card duly attested by the ZSWO.
(iv) Copy of Discharge Book of ex-servicemen duly
attested by ZSWO.
(v) Nearest railway station of the individual.
(b) Application, along with the above documents, is to be
submitted to DESA duly routed through Zila Sainik Board/Rajya
Sainik Board with specific recommendations.
6. Railways Travel Entitlement and Validity on Complimentary
Card Passes - Clarification thereof.
(a) Complimentary card passes are issued to different categories
of persons under various schemes approved by Ministry of
Railways from time to time. The conditions of entitlement and
validity of these card passes vary from one category to the other.
(b) With a view to checking misuse of the card passes it is essential
that ticket issuing/ checking authorities are properly educated of the
validity and travel entitlement of the card passes issued. The
following table depicts various categories of persons being issued
complimentary card passes, their validity and travel entitlement etc.
S No Category Issued Facility of Valid in for Valid
From Companion Rajdhani/ travel ity
Arjuna Awardees/ (i) Olympic Medalist/ Board‟s One only after No First Two Asian & Common- Office the card holder Class/ years Wealth Gold Medalists/ attains 65 years IInd AC Dronacharya of age
Winners of Param Vir (ii) Chakra, Maha Vir Zonal Rly HQ One Yes First One Chakra, Gallantry and offices of class/ year awards. DRM‟s IInd AC
Winners of Ashok (iii) Chakra, Shaurya Zonal Rly HQ One No First One Chakra & Kirti Chakra and offices of Class/ year ndGallantry awards DRMs II AC
(iv) Bharat Ratna Awardees Board‟s office One Yes Ist AC Life
(c) Card passes which do not have the endorsement either in print
or with rubber stamp showing Rajdhani/Shatabdi travel are not valid
for travel by such trains.
7. Air Travel Concession. Following categories of personnel are
eligible to the following concessions in fare for air travel in domestic
flights of the Indian Airlines:-
(a) 75% concession to recipients of Gallantry Awards of Class
II & I viz PVC, Ashok Chakra, MVC and Kirti Chakra, Victoria
Cross, George Cross, Distinguished Service Cross, Military Cross,
Distinguished Flying Cross and George Medal.
(b) 50% concession to permanently war disabled officers who
have been invalidated out of service and the dependent members
of their families.
(c) 50% concession to war widows of post independent era.
8. Admission to Professional Colleges. At present 28 seats in
MBBS and 1 seat in BDS under Central Government Nominee quota
are available through KSB for wives/widows and wards of categories of
Defence personnel in the following order of priority:-
(a) Killed in action.
(b) Disabled in action and boarded out from service.
(c) Died while in service with death attributable to military
(d) Gallantry Award/ other award winners.
9. Prime Minister‟s Scholarship Scheme for Wards of Ex-
servicemen (PBOR) and Widows of Personnel Who Died in
Harness. To encourage higher technical and professional education
for the wards of widows and ex-servicemen of Armed Forces, Prime
Minister‟s Scholarship Scheme was introduced from the Academic year
(i) Wards of ex-servicemen and their widows (below
(ii) Wards of widows of ex-servicemen died in harness
due to causes attributed to military service.
(iii) Widows of ex-servicemen died in harness.
(iv) The scheme is open only for widows and unmarried
wards of ESM/ Widows. However, marriage/re-marriage at
a subsequent date would not disqualify the awardee.
(b) Courses Eligible for Scholarship. First Professional degree
programme in engineering, medicine, dental, veterinary, MBA,
MCA, pharma, nursing, B Ed, M Ed etc duly recognized by the
respective government regulatory bodies, such as All India
Council of Technical Education/ Medical Council of India etc.
(c) Academic Requirement. At least 60% marks at the 10+2 level for the initial sanction. For renewal in subsequent years,
50% marks each year.
(d) Duration of the Scholarship. Two to five years as approved
by the concerned regulatory body for that programme.
(e) Amount of Scholarship. The amount of scholarship would be as follows:-
(i) Rs 1250/- per month for boys (paid annually).
(ii) Rs 1500/- per month for girls (paid annually).
(iii) Application form and further details can be downloaded
10. Revised Financial Assistance From Raksha Mantri‟s
Discretionary Fund (RMDF). The financial assistance, to be provided
to needy ex-servicemen, widows and their wards from RMDF for
various purposes applicable wef 10 May 07 is as indicated below. The
applicant should submit his/ her application along with Financial
Condition Report form to the concerned RSBs/ ZSBs. Application
forms and FCR are available at RSBs/ZSBs. Details are given below:-
S No Purpose for Grant Existing Revised
a Marriage of daughters of ESM/ 8,000/- 16,000/-
widows in penury/ widows re-marriage
b Assistance (monthly grant for 2 years) 1000/- 2000/-
to old, infirm ESM.
c Assistance to ESM/widows in penury:-
(i) Staying at home(above 75 years) Nil 500/- per
(ii) Staying at old age home (above 70 Nil
Certificate from old age home
(iii) Orphan child of ESM with 100% Nil
disability grant on yearly basis based
on certification by military/ civil 500/- per
d House repairs grant:-
(i) ESM/ widows in penury or Nil 20000/-
or 100% disabled ex- servicemen
(ii) Orphans daughter of ESM of all Nil 20000/-
categories (only one daughter)
e Children education grant:-
th(i) Up to 12 standard for 2 children 100/-pm 200/-pm for