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HANUMAN CHALISA


Hanuman Chalisa: In Hindi with meaning: Jai Hanuman Gnan Gun Sagar

हनुमान चालीसा

Hanuman Chalisa

श्रीगुरु चरण् सरोजरज, निजमनमुकुर सुधार ।
बरणौ रघुबर बिमल यश, जो दायक फलचार ॥

Shrii-Guru Carann Saroja-Raja, Nija-Mana-Mukura Sudhaara |
Barannau Raghu-Bara Bimala Yasha, Jo Daayaka Phala-Caara ||

Meaning:
With the Dust of the Lotus Feet of Sri Gurudeva, I Clean the Mirror of my Mind.
I Narrate the Sacred Glory of Sri Raghubar (Sri Rama Chandra), who Bestows the Four Fruits of Life (Dharma, Artha, Kama and Moksha).

बुद्धिहीन तनु जानिके, सुमिरौं पवन कुमार ।
बल बुद्धिविद्या देहु मोहिं, हरहु कलेश विकार ॥


Buddhi-Hiina Tanu Jaanike, Sumirau Pavan Kumaar |
Bala Buddhi-Vidyaa Dehu Mohi, Harahu Kalesha Vikaar ||

Meaning:
Considering Myself as Ignorant, I Meditate on You, O Pavan Kumar (Hanuman).
Bestow on me Strength, Wisdom and Knowledge, and Remove my Afflictions and Blemishes.

- 1 -
जय हनुमान ज्ञान गुण सागर ।
जै कपीस तिहुँलोक उजागर ॥
Jay Hanumaan Jnaan Gunn Saagar |
Jai Kapiis Tihu-Lok Ujaagar ||

Meaning:
Victory to You, O Hanuman, Who is the Ocean of Wisdom and Virtue,
Victory to the Lord of the Monkeys, Who is the Enlightener of the Three Worlds.

- 2 -
रामदूत अतुलित बलधामा ।
अंजनि-पुत्र पवन-सुत नामा ॥
Raama-Duut Atulit Bala-Dhaamaa |
Anjani-Putra Pavan-Sut Naamaa ||

Meaning:
You are the Messenger of Sri Rama possessing Immeasurable Strength,
You are Known as Anjani-Putra (son of Anjani) and Pavana-Suta (son of Pavana, the wind-god).

- 3 -
महाबीर बिक्रम बजरंगी ।
कुमति निवार सुमति के संगी ॥
Mahaa-biir Bikrama Bajarangii |
Kumati Nivaar Sumati Ke Sangii ||

Meaning:
You are a Great Hero, extremely Valiant, and body as strong as Thunderbolt,
You are the Dispeller of Evil Thoughts and Companion of Good Sense and Wisdom.

- 4 -
कंचन बरण बिराज सुबेशा ।
कानन कुंडल कुंचित केशा ॥
Kancan Barann Biraaj Subeshaa |
Kaanan Kunddala Kuncita Keshaa ||

Meaning:
You possess a Golden Hue, and you are Neatly Dressed,
You wear Ear-Rings and have beautiful Curly Hair.

- 5 -
हाथ बज्र औ ध्वजा बिराजै ।
काँधे मूँज जनेऊ साजै ॥
Haath Bajra Au Dhvajaa Biraajai |
Kaandhe Muuj Janeuu Saajai ||

Meaning:
You hold the Thunderbolt and the Flag in your Hands.
You wear the Sacred Thread across your Shoulder.

- 6 -
शंकर-सुवन केशरी-नन्दन ।
तेज प्रताप महा जग-वंदन ॥
Shankar-Suvan Kesharii-Nandan |
Teja Prataap Mahaa Jag-Vandan ||

Meaning:
You are the Incarnation of Lord Shiva and Son of Kesari,
You are Adored by the whole World on account of your Great Strength and Courage.

- 7 -
विद्यावान गुणी अति चातुर ।
राम काज करिबे को आतुर ॥
Vidyaavaan Gunnii Ati Caatur |
Raam Kaaj Karibe Ko Aatur ||

Meaning:
You are Learned, Virtuous and Extremely Intelligent,
You are always Eager to do the Works of Sri Rama.

- 8 -
प्रभु चरित्र सुनिबे को रसिया ।
रामलषण सीता मन बसिया ॥
Prabhu Caritra Sunibe Ko Rasiyaa |
Raamalassann Siitaa Man Basiyaa ||

Meaning:
You Delight in Listening to the Glories of Sri Rama,
You have Sri Rama, Sri Lakshmana and Devi Sita Dwelling in your Heart.

- 9 -
सूक्ष्म रूपधरि सियहिं दिखावा ।
विकट रूप धरि लंक जरावा ॥
Suukssma Ruupadhari Siyahi Dikhaavaa |
Vikatt Ruup Dhari Lamka Jaraavaa ||

Meaning:
You Appeared before Devi Sita Assuming a Diminutive Form (in Lanka),
You Assumed an Awesome Form and Burnt Lanka.

- 10 -
भीम रूप धरि असुर सँहारे ।
रामचन्द्र के काज सँवारे ॥
Bhiim Ruup Dhari Asur Samhaare |
Raamacandra Ke Kaaj Samvaare ||

Meaning:
You Assumed a Gigantic Form and Destroyed the Demons,
Thereby Accomplishing the Task of Sri Rama.

- 11 -
लाय सजीवन लखन जियाये ।
श्री रघुबीर हरषि उर लाये ॥
Laay Sajiivan Lakhan Jiyaaye |
Shrii Raghubiir Harassi Ur Laaye ||

Meaning:
You Brought the Sanjivana herb and Revived Sri Lakshmana.
Because of this Sri Rama Embraced You overflowing with Joy.

- 12 -
रघुपति कीन्ही बहुत बडाई ।
तुम मम प्रिय भरतहिसम भाई ॥
Raghupati Kiinhii Bahut Baddaaii |
Tum Mam Priya Bharatahisam Bhaaii ||

Meaning:
Sri Rama Praised You Greatly,
And said: "You are as dear to me as my brother Bharata".

- 13 -
सहस बदन तुम्हरो यश गावैं ।
अस कहि श्रीपति कण्ठ लगावैं ॥
Sahas Badan Tumharo Yash Gaavai |
As Kahi Shriipati Kanntth Lagaavai ||

Meaning:
"The Thousand Headed Seshnag Sings Your Glory",
Said Sri Rama to You taking you in his Embrace.

- 14 -
सनकादिक ब्रह्मादि मुनीशा ।
नारद शारद सहित अहीशा ॥
Sanakaadik Brahmaadi Muniishaa |
Naarad Shaarad Sahit Ahiishaa ||

Meaning:
Sanaka and other Sages, Lord Brahma and other Gods,
Narada, Devi Saraswati and Seshnag ...

- 15 -
यम कुबेर दिगपाल जहाँते ।
कवि कोविद कहि सकैं कहाँते ॥
Yam Kuber Digapaal Jahaate |
Kavi Kovid Kahi Sakai Kahaate ||

Meaning:
Yama (god of death), Kubera (god of wealth), Digpalas (the guardian deities),
Poets and Scholars have not been able to Describe Your Glories in full.

- 16 -
तुम उपकार सुग्रीवहिं कीन्हा ।
राम मिलाय राजपद दीन्हा ॥
Tum Upakaar Sugriivahi Kiinhaa |
Raam Milaay Raajapad Diinhaa ||

Meaning:
You Rendered a great Help to Sugriva.
You Introduced him to Sri Rama and thereby Gave back his Kingdom.

- 17 -
तुम्हरो मंत्र विभीषण माना ।
लंकेश्वर भये सब जग जाना ॥
Tumharo Mamtra Vibhiissann Maanaa |
Lamkeshvar Bhaye Sab Jag Jaanaa ||

Meaning:
Vibhisana Followed your Advice,
And the Whole World Knows that he became the King of Lanka.

- 18 -
युग सहस्र योजन पर भानू ।
लील्यो ताहि मधुर फल जानू ॥
Yuga Sahasra Yojana Para Bhaanuu |
Liilyo Taahi Madhura Phala Jaanuu ||

Meaning:
The Sun which was at a distance of Sixteen Thousand Miles,
You Swallowed It (the Sun) thinking it to be a Sweet Fruit.

- 19 -
प्रभु मुद्रिका मेलि मुख माहीं ।
जलधि लाँधि गये अचरजनाहीं ॥
Prabhu Mudrikaa Meli Mukh Maahii |
Jaladhi Laadhi Gaye Acarajanaahii ||

Meaning:
Carrying Lord Sri Rama's Ring in your Mouth,
You Crossed the Ocean, no Wonder in that.

- 20 -
दुर्गम काज जगत के जेते ।
सुगम अनुग्रह तुम्हरे तेते ॥
Durgam Kaaja Jagat Ke Jete |
Sugam Anugrah Tumhare Tete ||

Meaning:
All the Difficult Tasks in this World,
Are Rendered Easy by your Grace.

- 21 -
राम दुआरे तुम रखवारे ।
होत न आज्ञा बिन पैसारे ॥
Raam Duaare Tum Rakhavaare |
Hot Na Aajnyaa Bin Paisaare ||

Meaning:
You are the Gate-Keeper of Sri Rama's Kingdom.
No one can Enter without Your Permission.

- 22 -
सब सुख लहै तुम्हारी सरना ।
तुम रक्षक काहू को डरना ॥
Sab Sukha Lahai Tumhaarii Saranaa |
Tum Rakssak Kaahuu Ko Ddaranaa ||

Meaning:
Those who take Refuge in You enjoy all Happiness.
If You are the Protector, what is there to Fear?

- 23 -
आपन तेज सम्हारो आपै ।
तीनों लोक हाँकते काँपै ॥
Aapan Tej Samhaaro Aapai |
Tiino Lok Haakate Kaapai ||

Meaning:
You alone can Control Your Great Energy.
When you Roar, the Three Worlds Tremble.

- 24 -
भूत पिशाच निकट नहिं आवै ।
महाबीर जब नाम सुनावै ॥
Bhuut Pishaaca Nikatt Nahi Aavai |
Mahaabiir Jab Naam Sunaavai ||

Meaning:
Ghosts and Evil Spirits will Not Come Near,
When one Utters the Name of Mahavir (Hanuman).

- 25 -
नाशौ रोग हरै सब पीरा ।
जपत निरन्तर हनुमत बीरा ॥
Naashau Rog Harai Sab Piiraa |
Japat Nirantar Hanumat Biiraa ||

Meaning:
You Destroy Diseases and Remove all Pains,
When one Utters your Name Continuously.

- 26 -
संकट से हनुमान छुडावै ।
मन क्रम बचन ध्यान जो लावै ॥
Samkatt Se Hanumaan Chuddaavai |
Man Kram Bacan Dhyaan Jo Laavai ||

Meaning:
Hanuman Frees one from Difficulties,
When one Meditates on Him with Mind, Deed and Words.

- 27 -
सब पर राम तपस्वी राजा ।
तिनके काज सकल तुम साजा ॥
Sab Par Raam Tapasvii Raajaa |
Tinake Kaaj Sakal Tum Saajaa ||

Meaning:
Sri Rama is the King of the Tapaswis (devotees engaged in penances).
And You (Hanuman) Fulfill all Works of Sri Rama (as a caretaker).

- 28 -
और मनोरथ जो कोइ लावै ।
सोइ अमित जीवन फल पावै ॥
Aur Manorath Jo Koi Laavai |
Soi Amit Jiivan Phal Paavai ||

Meaning:
Devotees who have any Other Desires,
Will ultimately get the Highest Fruit of Life.

- 29 -
चारों युग परताप तुम्हारा ।
है परसिद्ध जगत उजियारा ॥
Caaro Yug Parataap Tumhaaraa |
Hai Parasiddh Jagat Ujiyaaraa ||

Meaning:
Your Glory prevails in all the Four Ages.
And your Fame Radiates throughout the World.

- 30 -
साधु संत के तुम रखवारे ।
असुर निकंदन राम दुलारे ॥
Saadhu Sant Ke Tum Rakhavaare |
Asur Nikandan Raam Dulaare ||

Meaning:
You are the Saviour of the Saints and Sages.
You Destroy the Demons, O Beloved of Sri Rama.

- 31 -
अष्टसिद्धि नव निधि के दाता ।
अस बर दीन जानकी माता ॥
Assttasiddhi Nava Nidhi Ke Daataa |
As Bar Diin Jaanakii Maataa ||

Meaning:
You can Give the Eight Siddhis (supernatural powers) and Nine Nidhis (types of devotions).
Mother Janaki (Devi Sita) gave this Boon to you.

- 32 -
राम रसायन तुम्हरे पासा ।
सदा रहो रघुपति के दासा ॥
Raam Rasaayan Tumhare Paasaa |
Sadaa Raho Raghupati Ke Daasaa ||

Meaning:
You hold the Essence of Devotion to Sri Rama.
You Always Remain as the Servant of Raghupati (Sri Rama).

- 33 -
तुम्हरे भजन रामको पावै ।
जन्म जन्म के दुख बिसरावै ॥
Tumhare Bhajan Raamako Paavai |
Janma Janma Ke Dukh Bisaraavai ||

Meaning:
Through Devotion to You, one gets Sri Rama,
Thereby getting Free of the Sorrows of Life after Life.

- 34 -
अन्त काल रघुपति पुर जाई ।
जहाँ जन्म हरिभक्त कहाई ॥
Anta Kaal Raghupati Pur Jaaii |
Jahaa Janma Hari-Bhakta Kahaaii ||

Meaning:
At the End one Goes to the Abode of Raghupati (Sri Rama).
Where one is Known as the Devotee of Hari.

- 35 -
और देवता चित्त न धरई ।
हनुमत सेइ सर्व सुख करई ॥
Aur Devataa Citta Na Dharaii |
Hanumat Sei Sarva Sukh Karaii ||

Meaning:
Even without Worshipping any Other Deities,
One Gets All Happiness who Worships Sri Hanuman.

- 36 -
संकट हरै मिटै सब पीरा ।
जो सुमिरै हनुमत बल बीरा ॥
Sankatta Harai Mittai Sab Piiraa |
Jo Sumirai Hanumat Bala Biiraa ||

Meaning:
Difficulties Disappear and Sorrows are Removed,
For Those who Contemplate on the Powerful Sri Hanuman.

- 37 -
जै जै जै हनुमान गोसाई ।
कृपा करहु गुरुदेव की नाई ॥
Jai Jai Jai Hanumaan Gosaaii |
Krpaa Karahu Gurudev Kii Naaii ||

Meaning:
Victory, Victory, Victory to You, O Hanuman,
Please Bestow your Grace as our Supreme Guru.

- 38 -
जोह शत बार पाठ कर जोई ।
छुटहि बन्दि महासुख होई ॥
Joh Shat Baar Paattha Kar Joii |
Chuttahi Bandi Mahaasukh Hoii ||

Meaning:
Those who Recite this Hanuman Chalisa one hundred times (with devotion),
Will get Freed from Worldly Bondage and get Great Happiness.

- 39 -
जो यह पढै हनुमान चालीसा ।
होय सिद्धि साखी गौरीसा ॥
Jo Yah Paddhai Hanumaan Caaliisaa |
Hoy Siddhi Saakhii Gauriisaa ||

Meaning:
Those who Read the Hanuman Chalisa (with devotion),
Will become Perfect, Lord Shiva is the Witness.

- 40 -
तुलसीदास सदा हरि चेरा ।
कीजै नाथ हृदय महँ डेरा ॥
Tulasiidaas Sadaa Hari Ceraa |
Kiijai Naatha Hrday Mah Dderaa ||

Meaning:
Tulsidas who is Always the Servant of Hari.
Prays the Lord to Reside in his Heart.

पवनतनय संकट हरन,
मंगल मूरति रूप ।
रामलषन सीता सहित,
हृदय बसहु सुरभूप ॥

Pavanatanaya Samkatt Harana,
Mamgal Muurati Ruup |
Raamalassan Siitaa Sahit,
Hrday Basahu Surabhuup ||

Meaning:
Sri Hanuman, who is the Son of Pavana, who Removes Difficulties,
Who has an Auspicious Form,
With Sri Rama, Sri Lakshmana and Devi Sita,
Please Dwell in my Heart.

#HANUMAN
#TUESDAYBLESSINGS
#SBOI

Military no longer a right choice today

 Military no longer a right choice today: Ex-Army chief Ved Prakash Malik
By PTI | Updated: Nov 04, 2016, 11.08 PM IST
"By taking away its pride, status and making career unattractive, the military is no longer a right choice today, which I believe is neither good for military nor for the nation."

CANACONA: Amid the ongoing debate over the implementation of One Rank One Pension (OROP), former Chief of Army Staff Gen Ved Prakash Malik, said militaryis "no longer a right choice" today.

"Throughout my service, I have always believed that the man behind the gun is more important. We have to look after the man behind the gun. There has been a static erosion of soldiers' status within the government and in society also," Malik said during a plenary session at the "India Ideas Conclave" which kicked off here today.

"This is reflected in the qualitative and quantitative dilution of military rank and file," Malik, who was the Army chief during the Kargil War, said.

"By taking away its pride, status and making career unattractive, the military is no longer a right choice today, which I believe is neither good for military nor for the nation," he added.

"We are talking not only about what the government sometimes give, but what hurts me more is the manner in which it is given. I think this hint of mine would be obvious to everybody," he said without mentioning the OROP issue.

Malik further said that considering the globalised security challenges, the territorial defence would be our primary concern.


"India has to be a strategic stabiliser. We are in the middle. We have so many nations around. I believe our stability is most important for the subcontinent," he added.


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ADVANCING AGE AT 45 - महत्वपूर्ण है।

*45 वर्ष से अधिक उम्र वाले इस सन्देश को सावधानी पूर्वक पढ़ें, क्योंकि यह उनके आने वाले जीवन के लिए अत्यन्त ही महत्वपूर्ण है।*👏👏👏
🌹🌹🌹🌹🌹 *सुखमय वृद्धावस्था के लिए*
🌹🌹🌹🌹🌹
*1* 🏠 *अपने स्वयं के स्थायी स्थान पर रहें ताकि स्वतंत्र जीवन जीने का आनंद ले सकें!*
*2*💵 *अपना बैंक बेलेंस और भौतिक संपत्ति अपने पास रखें! अति प्रेम में पड़कर किसी के नाम करने की ना सोचें।*

*3* *अपने बच्चों के इस वादे पर निर्भर ना रहें कि वो वृद्धावस्था में आपकी सेवा करेंगे, क्योंकि समय बदलने के साथ उनकी प्राथमिकता भी बदल जाती है और कभी कभी चाहते हुए भी वे कुछ नहीं कर पाते* 👬
*4*👥 *उन लोगों को अपने मित्र समूह में शामिल रखें जो आपके जीवन को प्रसन्न देखना चाहते हैं , यानी सच्चे हितैषी हों।* 🙏
*5* 🙌 *किसी के साथ अपनी तुलना ना करें और ना ही किसी से कोई उम्मीद रखें!*
*6* 👫 *अपनी संतानों के जीवन में दखल अन्दाजी ना करें, उन्हें अपने तरीके से अपना जीवन जीने दें और आप अपने तरीके से अपना जीवन जीएँ!*
*7* 👳 *अपनी वृद्धावस्था को आधार बनाकर किसी से सेवा करवाने, सम्मान पाने का प्रयास कभी ना करें।*
*8* 🖐 *लोगों की बातें सुनें लेकिन अपने स्वतंत्र विचारों के आधार पर निर्णय लें।*
*9*👏 *प्रार्थना करें लेकिन भीख ना मांगे, यहाँ तक कि भगवान से भी नहीं। अगर भगवान से कुछ मांगे तो सिर्फ माफ़ी और हिम्मत!*
*10* 💪 *अपने स्वास्थ्य का स्वयं ध्यान रखें, चिकित्सीय परीक्षण के अलावा अपने आर्थिक सामर्थ्य अनुसार अच्छा पौष्टिक भोजन खाएं और यथा सम्भव अपना काम अपने हाथों से करें! छोटे कष्टों पर ध्यान ना दें, उम्र के साथ छोटी मोटी शारीरिक परेशानीयां चलती रहती हैं।*
*11* 😎 *अपने जीवन को उल्लास से जीने का प्रयत्न करें खुद प्रसन्न रहने की चेष्टा करें और दूसरों को प्रसन्न रखें।*
*12* 💏 *प्रति वर्ष  अपने जीवन  साथी केे साथ भ्रमण/ छोटी यात्रा पर एक या अधिक बार अवश्य जाएं,  इससे आपका जीने का नजरिया बदलेगा!*
*13* 😖 *किसी भी टकराव को टालें एवं तनाव रहित जीवन जिऐं!*
  
*14* 😫 *जीवन में स्थायी कुछ भी नहीं है चिंताएं भी नहीं इस बात का विश्वास करें !*
*15* 😃 *अपनी सामाजिक जिम्मेदारियों को रिटायरमेंट तक  पूरा कर लें, याद रखें जब तक आप अपने लिए जीना शुरू नहीं करते हैं तब तक आप जीवित नहीं हैं!*
😀 *खुशनुमा जीवन की शुभकामनाओं के साथ*

INCOME TAX - EXEMPTIONS

Income Tax 2016-17 (A.Year 2017-18) Rate, Exemptions, Deductions and Rebate for Salaried Employees under Section 10, Section 24, Section 89(1), Chapter VIA, and Section 87A
Income Tax Rate 2016-17
TAXABLEINCOME RANGERATE OF INCOME TAXUp to RS.2,50,000NILRs.2,50,001 to Rs.5,00,00010% of the amount by which the income exceeds Rs.2,50,000Rs.5,00,001 to Rs.10,00,000Rs.25,000 plus 20% of the amount by which the income exceeds Rs.5,00,000Above Rs.10,00,001Rs.1,25,000 plus 30% of the amount by which the income exceeds Rs.10,00,000Education Cess
3% on Total Income Tax Payble

Section 10 (13A) – Exemption in respect of HRA:
Under Sec. 10(13A), an employee who is in receipt of House Rent Allowance (HRA) can claim exemption, if he does not live in his own house, and pays rent in excess of 10% of his salary for his residential accommodation.
Exemption u/s 10(13A) is the least of the following
1. Actual amount of HRA received
2. 50% (for Chennai, Mumbai, Kolkata and Delhi) / 40% (for other places) of the Salary for the relevant period
3. Rent paid Less 10% of Salary for the relevant period.
Section 87A – Rebate of Income Tax for Taxable income up to Rs. 5 Lakh 
Finance Act 2016 provides for rebate of Income up to Rs. 5000/- in respect of Persons who have Taxable not exceeding Rs. 5 lakh.
Section 10(14) – Transport Allowance and Children Education Allowance (CEA)
Under Section 10(14), the Budget FY 2016-17 lets you claim Rs. 19,200 tax exemption as transport allowance and Rs. 2,400 tax exemption as Children Education Allowance (CEA) in a financial year.
Section 24(b) – Home Loan
If you have taken a Home Loan, then you can claim a tax deduction on the interest component of the loan under Section 24(b). For self-occupied properties, you can benefit from deductions of up to Rs. 2,00,000.
Section 89(1) – Income Tax relief in respect of Arrears of Salary pertaining to previous years
If arrears of salary has been received in Financial year 2016-17 related to previous years then Relief of Income Tax can be claimed u/s 89(1) by accounting income from arrears in respective years on notional basis.
Deductions allowed under Chapter VI A of Income Tax Act
Deduction Limit – Sec 80CCE. As per Section 80CCE, deduction can be claimed upto Rs. 1,50,000 for the payments / contributions made under Sections 80C, 80CCC and 80CCD
Section 80C – Subject to overall limit of Rs. 1,50,000 under Section 80CCE
For investments in specified schemes, saving instruments etc.
Life insurance premium for policy:
a) in case of individual, on life of assessee, assessee's spouse and any child of assessee
b) in case of HUF, on life of any member of the HUFSum paid under a contract for a deferred annuity:
a) in case of individual, on life of the individual, individual's spouse and any child of the individual (however, contract should not contain an option to receive cash payment in lieu of annuity)
b) in case of HUF, on life of any member of the HUSum deducted from salary payable to Government servant for securing deferred annuity or making provision for his wife/children [qualifying amount limited to 20% of salary]Contributions by an individual made under Employees' Provident Fund SchemeContribution to Public Provident Fund Account in the name of:
a) in case of individual, such individual or his spouse or any child of such individual
b) in case of HUF, in the name of any member there ofContribution by an employee to a recognized provident fundContribution by an employee to an approved superannuation fundSubscription to any notified security or notified deposit scheme of the Central Government.
For this purpose, Sukanya Samriddhi Account Scheme has been notified vide Notification No. 9/2015, dated 21/1/2015. Any sum deposited during the year in Sukanya Samriddhi Account by an individual would be eligible for deduction. Amount can be deposited by an individual in the name of her girl child or any girl child for whom such an individual is the legal guardian.Subscription to notified savings certificates [National Savings Certificates (VIII Issue)]Contribution for participation in unit-linked Insurance Plan of UTI:
a) in case of an individual, in the name of the individual, his spouse or any child of such individual
b) in case of a HUF, in the name of any member thereofContribution to notified unit-linked insurance plan of LIC Mutual Fund:
a) in the case of an individual, in the name of the individual, his spouse or any child of such individual
b) in the case of a HUF, in the name of any member thereofSubscription to notified deposit scheme or notified pension fund set up by National Housing Bank [Home Loan Account Scheme/National Housing Banks (Tax Saving) Term Deposit Scheme, 2008]Tuition fees (excluding development fees, donations, etc.) paid by an individual to any university, college, school or other educational institution situated in India, for full time education of any 2 of his/her childrenCertain payments for purchase/construction of residential house propertySubscription to notified schemes of (a) public sector companies engaged in providing long-term finance for purchase/construction of houses in India for residential purposes/(b) authority constituted under any law for satisfying need for housing accommodation or for planning, development or improvement of cities, towns and villages, or for bothSum paid towards notified annuity plan of LIC or other insurerSubscription to any units of any notified [u/s 10(23D)] Mutual Fund or the UTI (Equity Linked Saving Scheme, 2005)Contribution by an individual to any pension fund set up by any mutual fund which is referred to in section 10(23D) or by the UTI (UTI Retirement Benefit Pension Fund)Subscription to equity shares or debentures forming part of any approved eligible issue of capital made by a public company or public financial institutionsSubscription to any units of any approved mutual fund referred to in section 10(23D), provided amount of subscription to such units is subscribed only in 'eligible issue of capital' referred to above. 21. Term deposits for a fixed period of not less than 5 years with a scheduled bank, and which is in accordance with a scheme framed and notified.Subscription to notified bonds issued by the NABARD.Deposit in an account under the Senior Citizen Savings Scheme Rules, 2004 (subject to certain conditions)5-year term deposit in an account under the Post Office Time Deposit Rules, 1981 (subject to certain conditions)
Section 80CCC – Subject to overall limit of Rs. 1,50,000 under Section 80CCE
Contribution to certain specified Pension Funds such as LIC or other authorised Insurance Companies
Section 80CCD(1) – – Subject to overall limit of Rs. 1,50,000 under Section 80CCE
Deduction in respect of contributions to National Pension Scheme / System (NPS) notified by Central Government
Limit : 10% of salary in case of employees, 10% of gross total income in case of others
Section 80CCD(1B)
Deduction in respect of the deposit under a pension scheme notified by Central Government (NPS) up to Rs. 50,000/-
Section 80CCD(2)
Deduction in respect of employer contributions to NPS – National Pension Scheme / System – This deduction is available over and above the Rs. 1.5 lakh limit
Section 80 CCG
Amount invested in listed shares covered by Rajiv Gandhi Equity Equity Saving Scheme. Deduction of 50% of total investment subject to maximum of Rs. 25,000 is allowed for 3 consecutive assessment years, beginning with the assessment year relevant to the previous year in which the listed shares or list units of equity oriented funds are first acquired
Section 80D
Amount invested in Health Insurance
In case of Individual, amount paid: a) For self, spouse and dependent children: Up to Rs. 25,000 (Rs. 30,000 if specified person is a senior citizen or very senior citizen) b) For parents: additional deduction of Rs. 25,000 shall be allowed (Rs. 30,000 if parent is a senior citizen or very super senior citizen) In case of HUF, up to Rs. 25,000 (Rs. 30,000 if specified person is a senior citizen or very senior citizen).
The aggregate amount of deduction cannot exceed Rs. 60,000/- in case of an individual.
Section 80DD
Expenditure incurred for the medical treatment of a dependent (spouse, children, parents, brothers and sisters of the individual) up to Rs. 75,000 (Rs. 1,25,000 in case of severe disability)
Section 80DDB
Expenditure incurred for medical treatment of specified diseases for self, or wholly dependent spouse, children, parents, brothers and sisters up to Rs. 40,000 (Rs. 60,000 in case of senior citizen and Rs. 80,000 in case of very senior citizen)
Section 80E
Interest paid on Educational Loan with no limit
Section 80EE
Interest on loan for acquiring residential house property, sanctioned during the financial year 2016-17. The Housing Loan availed should be up to Rs. 35 lakh and should have been availed in the year 2016-17
Section 80G
Deduction in respect of donations to certain funds, charitable institutions, etc.
Section 80GG
Rent paid for residential accommodation from the income of Tax Payer / assessee who is not in receipt of HRA
Least of the following shall be exempt from tax: a) Rent paid in excess of 10% of total income*;
b) 25% of the Total Income; or
c) Rs. 5,000 per month.
Section 80 TTA
Interest on Savings Bank accounts subject to maximum of Rs. 10,000
Section 80U
Exemption of income tax for an income up Rs. 75,000 for persons with disability (Rs. 1,25,000 in case of persons with severe disability)
Source: Incometaxindia.gov.in & BPS

SOUTH DELHI - HILARIOUS ACCOUNT

sir
kindly post this msg afresh in terms of the policy direct to gp mail ID so that it goes under your name.
  regards

On Oct 18, 2016 10:55 PM, "GOPAL MALIK" <gopalmalik@yahoo.com> wrote:


A hilarious account of life in South Delhi - by a retired IAS officer.

South Delhi is where most of Delhi's multi millionaires live and where the least amount of Income Tax is collected. Its residents, therefore, are naturally in a mood to celebrate all the time by throwing dinner parties with all these tax savings. Now, I don't get invited very often because I'm an ardent Kejriwal supporter and – let's face it – millionaires consider him a pustule on the backside of history. But my wife is more politically correct and better connected through her Facebook account so I do manage to slink into a dinner or two occasionally. I have found the experience fascinating.


Lets begin with the time line. Nobody – but NOBODY- ever arrives at a dinner on time: to do so ensures you will never be invited again. Such aberrant behaviour reveals more about you than a petri-dish does about a virus in Dr. Lal's Pathlab. It indicates, for example, that you are unemployed or (God forbid) retired, that you have no other place to visit that evening, that you are trying to save on the AC charges in your own home, that you are unimportant flotsam. Unfortunately, I ALWAYS arrive at the appointed hour indicated by the host. Its a Pavlovian response, brought on by the fact that, having spent all my formative years in hostels where one never knew when or from where the next meal was coming, one was always on time at the feeding trough, nose-bag ready. In South Delhi, however, if the card says 9.00 PM it usually means midnight. So, while the host and hostess (or bride and bridegroom) are still getting dressed, I usually spend my time chatting with the vassals or patting the pooch or listening to Arnab Goswami doing to politicians what the rooster normally does to the hen. Its a bit boring, but it does build up a healthy appetite.

The conversation. There are no Oscar Wildes or Chestertons or even Groucho Marxs in South Delhi, so don't expect to be edified or elevated at any stage. There are plenty of jokes, though – usually about Kejriwal and Rahul Gandhi – but most of the conversation is about income tax raids on friends, I Phone models, Kamini Jha and Barbara (beauticians whose ministrations are di rigeur before a South Delhi aunty can even consider stepping out of the house, even for a funeral), the trip to Angkor Vat, property prices in Gurgaon (there is no more land left in Delhi except the Yamuna flood plains but that is reserved for that great environmentalist Sri Sri Ravishankar), or the latest Godman who is milking them dry.

There is, however, a major problem in initiating a conversation with someone. One never knows who is married to whom. It would be a mistake to assume that the couple you met at the last dinner is still a couple: chances are that they have now become two singles or a mixed double or even part of a triple. The cognoscenti always skirt this area in the peroration but, having been married for 39 years (to the same woman, by God!) I always lead with my chin. My breaking-the-ice conversation usually goes like this:

ME : Hullo, Mr. Ramani, how's the charming Mrs. Ramani ?
HIM: Oh, she's Mrs. Kapoor now.
ME : Oh, I'm delighted-uhh, sorry- to hear that. But wasn't Mr. Kapoor your best buddy?
HIM : He still is. After all, he's married to my wife, you know.

At this point I usually wander off to the bar where life is simpler and the conversation (and smart phone video grabs) are usually about Sunny Leone: nothing complicated there, for what you see is what you don't get!

The food served at these dinners is distinctly anti-national if not seditionist, because there is nothing Indian about it. No beef is served, of course (the chef may be a closet Gau Bhakt), but all endangered species of meat, fish and fowl grace the table. The South Delhi elite is genuinely globalisesd – bank accounts in Cayman islands, companies in Panama, residences in London, weddings in Paris, holidays in Venice, shopping in New York–why then should the cuisine be Indian?

Indian cuisine in all its forms has been given the quietus – Mughlai, Avadhi, Punjabi, Hyderabadi, Goan, Malabari: they are all passe now. The delicious Kashmiri dishes are a no-no these days as serving them amounts to supporting the separatists. In fact, even Mr. Modi's "Look East" policy appears to be floundering: our initial affairs with Asian cuisines – Chinese( Szechuan, Cantonese and Ludhianvi), Japanese and Thai – have given way to a full blown passion for French cuisine these days. But South Delhi has, as usual, got it all wrong. French cuisine is broadly divided into three styles, the oldest being the Classique, then the Haute and the most recent being the Nouvelle. France itself has gone back to the older first two in recent years but we persist with the Nouvelle of which, I'm sure, Vir Sanghvi would strongly disapprove. The logic for it, however, is indisputable: if the nouvelle-rich will not serve nouvelle – cuisine then who will ? (The Italian cuisine is still holding out, however- barely-just like the Congress party, and hoping to make a similar come-back along with the Gandhis).

As any chef, or reader of Vir Sanghvi, knows, the emphasis in Nouvelle is on the presentation – the food itself can taste like a dog's breakfast (and usually does) but the table-ware and arrangement of the food on the plates would make Camelot look like Parathe-wali Gali. The salads resemble a patch of the Amazon rain forest, the consomme (they don't call it soup in these francophone days) is as translucent as a Kim Kardashian dress, the meats so life-like you expect them to walk (or fly, or swim) off the table any moment, and the trays of multi hued sauces/dips/dressings/ condiments resemble Michaelangelo's palette just before he flung himself at the Sistine chapel. Its usually a grand spectacle, and everyone goes back home delighted and hungry as hell.

Of course, it goes without saying that everything (or at least all that is visible) has to be imported, including the liquor. South Delhi guests give short shrift to anything local. I once met this Croesus-like real estate magnate at a dinner who was loudly informing the humbler five-bedroom types about his recent toe nail operation: "And then the Doc told me he would operate with a local anesthetic. Local, can you believe it?! Nothing doing, Doc, I told him, get an imported one or I go to Monte Carlo for the operation!" He is currently being de-nailed and defanged by the Supreme Court, without any anesthesia, of course.

The most important ingredient–the Guest List. South Delhi dinners are not meant to feed the hungry: they are a power statement, and therefore conform to an informal set of Do's and Don'ts which, after years of hanging around with the minions, I have managed to figure out. The important points

§ You HAVE to invite Arun Jaitley.

§ If you invite Arun Jaitley DO NOT invite Subramaniam Swamy.

§ If Mr. Jaitley is there then you should also invite your Income Tax Commissioner and the Director Enforcement. They will get the message (if not the evaded tax). Virbhadra Singh didn't invite them and look where he is now.

§ At least three of your guests should have either a Rolls or a Bentley. Remember, the neighbours are watching! Audis and BMWs are out – everybody in Gurgaon has one.

§ ALWAYS invite at least one lawyer, one doctor, one physiotherapist, and one chartered accountant. Your other guests will be grateful for the free advice they can extract from them after their fourth drink. But keep track of who is who: you don't want the lawyer drafting an affidavit on your haemorrhoids or the physio advising you on how to contort or incurvate your income tax return (although both would happily do it if the fee is right).

§ Keep handy a list of the regular panelists on prime time TV and never invite more than one of them at the same dinner or you will end up with an impromptu panel discussion. For example, if you are calling Col. Ajai Shukla then Maroof Raza is a no-no; if Shazia Ilmi then renounce Shobhaa De, if Pavan Verma then do without Ambassador Singh. And if you are out of your mind and want to invite Arnab Goswami then invite no one else – he is his own audience.

§ Never invite an IAS officer and an Army officer to the same dinner or very soon your living room will become a battleground, held hostage to OROP and Non-functional Upgradation . The other guests may soon become "disguested": they have no interest in one rank one pension. Their interest lies more in the area of "one voter many votes" or " one Indian bank account, many foreign bank accounts". As for Non-functional Upgradation, chances are that they'll consider it a procedure prescribed by a sexologist for improving the…uh…. functioning.

§ It is adviseable not to invite Robert Vadra either, not just because he absolutely refuses to wear a collared shirt, but because he may like your property and want to buy it, after first taking an interest-free loan from you, of course.

A good cologne or after shave lotion is an essential accessory for such occasions. You see, everyone kisses everyone at these dinners: no one shakes hands anymore because the CBI might misconstrue it as an imprimatur on a devious deal, Mafia style. Earlier one kissed only the ladies but now you have to kiss all and sundry (including that hulking golden retriever) or you would be considered anti-LGBT, a politically incorrect position for someone who is supposed to be a mover and shaker of society. Now, I don't at all mind kissing the ladies: at my stage in life every kiss by a lady is an epiphany. But I have to draw the line at a 250 pounder loin of Punjab with his mane in the wrong place. So I have (without any help from Niti Ayog or the Observer Research Foundation), found a way out of all this convivial slobbering: I apply a little Vicks Vaporub on my nose and announce I have a cold. This keeps everyone away like I was a suicide bomber. Only the golden retriever knows the truth but he ain't telling anyone.

And finally, the Exit. Exiting a South Delhi dinner is an art which needs a lot of practice and panache. If you leave too soon the hostess would be offended (you didn't like the food), but if you don't leave anon she might become apprehensive (you're staying for breakfast). You have to strike a balance, as the Duchess told the Duke when he kept falling off the bed during their late night amours. You should definitely try to leave before the rooster next door (no, I'm not referring to Arnab Goswami here) greets the dawn. A good exit line is: "Sorry, I must rush–Mr. L.K. Advani is waiting for me." Since the poor guy has been waiting for two years now for ANYONE to call on him, the statement is not entirely incorrect.

I usually exit just before the fat lady begins to sing.

Avay Shukla

Avay Shukla retired from the Indian Administrative Service in December 2010. He is a keen environmentalist and loves the mountains.....


AVTAAR - DARWIN

"Mom, I am a genetic scientist. I am working in the US on the evolution of man. Theory of evolution, Charles Darwin, have you heard of him? " Vasu asked. 
His Mother sat down next to him and smiled, "I know about Darwin, Vasu.
"But Have you heard of Dashavatar? The ten avatars of Vishnu?" Vasu replied in no.
"Then let me tell you what you and Mr. Darwin don't know.
Listen carefully- The first avatar was the Matsya avatar, it means the fish. That is because life began in the water. Is that not right?" Vasu began to listen with a little more attention.
"Then came the Kurma Avatar, which means the tortoise, because life moved from the water to the land. The amphibian. So the Tortoise denoted the evolution from sea to land.
Third was the Varaha, the wild boar, which meant the wild animals with not much intellect, you call them the Dinosaurs, correct? " Vasu nodded wide eyed.

"The fourth avatar was the Narasimha avatar, half man and half animal, the evolution from wild animals to intelligent beings.
Fifth the Waman avatar, the midget or dwarf, who could grow really tall. Do you know why that is? Cause there were two kinds of humans, Homo Erectus and the Homo Sapiens and Homo Sapiens won that battle." Vasu could see that his Mother was in full flow and he was stupefied.
"The Sixth avatar was Parshuram, the man who wielded the axe, the man who was a cave and forest dweller. Angry, and not social.
The seventh avatar  was Ram, the first thinking social being, who laid out the laws of society and the basis of all relationships.
The eight avatar was Krishna, the statesman, the politician, the lover who played the game of society and taught how to live and thrive in the social structure.
The Ninth avatar, the Buddha, the man who rose from Narasimha and found man's true nature. The nature of Buddha, he identified man's final quest of enlightenment.
And finally, my boy, will come Kalki, the man you are working on. The man who will be genetically supreme."
Vasu looked at his Mother speechless. "This is amazing Mom, how did you.. This makes sense!"
"Yes it does Vasu! We Indians knew some amazing things just didnt know how to pass it on scientifically. So made them into mythological stories.
Mythology makes sense. Its just the way you look at it - Religious or Scientific. Your call.

THREE PIECES OF ADVICE

"3 Pieces of Advice vs 20 Years of Salary"
A very poor newly wedded, young couple lived in a small farm. One day the husband made the following proposal to his wife:
- Honey, I will leave the house: I will travel faraway, get a job and work hard in order to come back and give you the comfortable life that you deserve. I do not know how long I will stay away, I only ask one thing, please wait for me, and while I am away, you should be faithful to me, because I will be faithful to you.
So the young man left. He walked many days until he found a farmer who was in need of someone to help him. The young man offered his services. He was accepted. Therefore he discussed the terms with his boss:

- Let me work for as long as I want and when I think I should go home, please relieve me of my duties. I do not want to receive my salary. I ask you to save it for me, until the day I leave. The day I decide to go, please give me the money and I will go my way.
They agreed on that. So, the young man worked for twenty years without holiday and without rest. After twenty years, he came to his boss and said:
- Boss, I want my money, because I am returning to my home.
The boss replied:
- All right, after all, I made a deal with you and I will stick to it. However, before you go I want to offer you something new: I will give you all your money and send you away; or I will give you 3 pieces of advice and send you away. If I give you the money, I do not give you the 3 pieces of advice. And if I give you the 3 pieces of advice, I will not give you the money. Now, go to your room and think about your answer.
He thought for two days. Then he went to the boss and told him:
- I want the 3 pieces of advice.
The boss stressed again:
- If I give you the 3 pieces of advice, I will not give you the money.
And the man replied:
- I want the 3 pieces of advice.
The boss then told him:
- No. 1: Never take shortcuts in your life, shorter and unknown paths can cost your life.
- No. 2: Never be too curious, for curiosity towards evil can be deadly.
- No. 3: Never make decisions in moments of anger or pain, because when you repent, it could be too late.
After giving these 3 pieces of advice, the boss said to him:
- Here, you have 3 loaves of bread, 2 are for you to eat during the journey and the last is for you to eat with your wife when you get home.
So, the man went his way, after twenty years away from home and from his wife, whom he loved so much.
After the first day of travel, he found a man who greeted him and asked:
- Where are you going?
He replied:
- To a distant place which is about 20 days away if I continue walking.
The man said to him:
- Ol' boy, this path is too long! I know a shortcut that is very safe and you will arrive in 5 days only.
The man began to follow the path suggested until he remembered the first piece of advice. Then, he returned and followed the long path. Days later he learned that the shortcut led to an ambush.
After a few more days of travel, he found an inn by the roadside, where he could rest. He paid for a room and after taking a bath he lay down to sleep.
During the night he woke up as he heard a terrifying scream. He rose to his feet and went to the door to check what happened. As he was opening the door, he remembered the second piece of advice. Therefore he returned, lay down again and slept.
At dawn, after breakfast, the owner of the lodging asked him if he had not heard the scream at night. He affirmed that he heard. Then, the host said:
- Were you not curious to see what happened?
And he replied:
- No, I was not.
Then the host said:
- You are the first guest to leave this inn alive. My neighbour is completely crazy. He usually shouts at night to call someone's attention. When some of the guests come out, he kills them and buries their bodies in the backyard.
The man continued his long journey, eager to arrive soon. After many days and nights walking, he was very tired, but he finally saw his house far away.
It was night. He saw some light coming out of the window of his house and was able to see the silhouette of his wife. But he also saw that she was not alone. He came closer and saw there was a man with her. She softly caressed his hair.
When he saw that scene, his heart was filled with hatred and bitterness. He decided to rush at and kill them both mercilessly. However, he took a deep breath and he remembered the third piece of advice.
Then he stopped, reflected and decided to sleep outside that night. He slept in the midst of the bushes, determined to make a decision the next day. At dawn, he was calmer and thought:
- I will not kill my wife and her lover. I am going back to my boss to ask him to take me back. But before I go, I want to tell my wife that I have always been faithful to her.
He went to the front door and knocked. When his wife opened the door and recognized him, she cried and embraced him warmly. He tried to push her away, but he was not able. Then, with tears in his eyes he told her:
- I was faithful to you but you betrayed me.
She was shocked, so she replied:
- How did I betray you? I have never betrayed you. I waited patiently for you for twenty good years.
Then he asked:
- How about the man that you were caressing yesterday?
And she said:
- That man is your son. When you left, I discovered I was pregnant. Today he is twenty years old.
Hearing that, the man asked her forgiveness. He met and hugged his son. Then he told them all the things he had experienced while away. Meanwhile, his wife prepared some coffee for them to eat together, the last bread given by his boss.
After a prayer of thanksgiving, he broke the bread. When he looked at it, he found all his money inside. In fact, there was even more than the right payment for his twenty years of dedication and hard work.
Friends, our God is like this boss. When he asks us to make a sacrifice, he wants to give us more than what we give Him. He wants us to have His unique wisdom as well as the material blessings.
Someone sent this piece to me and it impressed me and I copied it to you so it may impress you too.

WE NEED TO - AWSOME PEOPLE 1940-70

We, the people born between 1940-1960...are the blessed ones...
We are the awesome people... Our life is a living proof..........
👉We were never treated like  a pack of animals to carry our books to school.
👉While playing and riding bicycle, we never bothered to wear helmets.
👉After school time we played until its dusk but never watched t-world (TV) by locking up ourselves in a room.
👉We played only with our real friends, not with NET friends.
      
👉 If we ever felt thirsty, we used to drink tap water but never searched for bottled water.
          
👉We never got ill even after sharing the same juice with four friends.
          
👉We never put on weight even after eating plate full of sweets and rice everyday.
            
👉Nothing happened to our feet even after roaming bare foot.
👉We never used any health supplements to keep ourselves healthy.
            
👉We used to create our own toys and play with them.
            
👉Our parents were not rich, they never ran behind money and wealth. They just searched for and gave only love.. not any worldly material.
            
👉We never had cellphones, DVDs, Play stations, XBoxes, video games, Personal computers, internet, chat but we had many real friends.
👉We used to visit our friend's home uncalled and enjoyed food with them. We never had to call them and ask their permission to visit their home.
          
👉Relatives were near to us so our hearts and souls were happy. Hence we never required any insurance policy.
          
👉We may have been in Black and White photos but you can find good colourful memories in those photos........
🎉🎉🎉🎉🎉🎉🎉
👉   We are a unique and the most understanding generation, because we are the last generation who listened to their parents....
and also the first which have to listen to their children.
We are not special, but
LIMITED EDITION......


1947 to 2016 INDIA - CHANGES

 1947 to 2016 - how our lives changed in all these years…

UNDERSTANDING BUREAUCRACY

*Understanding KB Lal and Bureaucracy*
_by Alex Thomas -
Please bear with a *brick-by-brick account of how the Army was walled in leading to this explosive reaction, with the spark lit by a political promise by a PM-designate in 2014*.
Post 1971 war, the nation was euphoric. Our countrymen were lauding the Indian Armed Forces for a spectacular victory that had *changed the geography of the sub-continent*. The nation was savouring the victory and *more than 97,368 prisoners* were in our Prisoners of War Camps. It was the *second largest surrender* in the Military History; second only to the surrender of Gen Von Paulus, German 6th Army at Stalingrad in the Second
World War. The Armed Forces were feted everywhere for its courage and people were convinced that it was one instrument that would never let the country down.

> Amidst this euphoria there were *4000 families, who had lost their fathers/sons/husbands in the war. Another 10,000 were wounded and maimed for life*. They were picking up the lost threads of life to continue their journey in the forbidding world. However their sorrow was lost amidst the mirth, laughter and jubilation of victory.

> Unknown to the services, a band of bureaucrats were conspiring as to how to cut the Armed Forces to size.
Defence Secretary was Mr K B Lal, who was literally there for the entire duration of the Third Pay Commission. He was the one who provided  inputs to the Third Pay Commission.

The Commission was constituted a year before the war and concluded two years after the war. It's final recommendation marginalising the Armed Forces was *made public two months after Fd Marshal Manekshaw relinquished the post of Chief*. Indeed it was a clever move as the most popular person in the country was not able to take up cudgels against the government.  This *Pay Commission cut the Armed Forces to size for winning the war for the country*.  Even Fd Marshal Manekshaw was not spared; more of it later.
*'Ingratitude unkinder than the winters wind' to adopt Shakespearean phrase to an ungrateful government.*
*How did the Government go about the act?*
> Firstly they *abolished a separate Pay Commission for the Armed Forces* and *formulated an equivalence between the Armed Forces and Civilians*. It was here that the Pay Commission struck its vilest blow when they considered
that 'a *trained infantry soldier with three years of service is below a skilled labour*. Little do they know _(because of the iq they acquire at administrative academies)_ that it is the *infantry soldier who does the actual fighting and charges the enemy with naked bayonet literally on the very front edge of the battle and makes eye and steel contact with the enemy*. He is the one who bears the brunt of more than 90% of casualty in all wars and yet he was considered the lowest strata to base their comparison. It also means that the *infantry soldier with less than three years' service was considered an semi-skilled/unskilled labour ?* Just mark the irony of the sinister and ignorant move? *Rest of the soldiers were equated based on this preposterous formulae?*

> *Next step was to reduce the percentage of pension for the Armed Forces. The OROP that was effective till 1972, was annulled after the third pay commission. A soldier then served only for 15 years and went on pension at the ages ranging from 33 years to 36 years of age. In view of this, his pension was 70% of his basic pay and an officers pension was 50% of his basic pay as the bulk of them retired at 50 years of age. The civilian counterparts were getting only 30% of their basic pay as pension. Please note they served till they were 58 years of age (now 60 years) and the soldiers retired a quarter century earlier. The wretched Third Pay Commission did not consider the additional 25 years of service his civilian counterpart served and raised their pension to 50% and reduced a soldiers pension from 70% to 50% in order to achieve the so-called parity.*
Further the government *put mandatory 33 years of service for full pension fully knowing that the soldier then retired after 15 years of service. They further as a largesse made a seemingly generous gesture to the Armed Forces by pegging the mandatory service for full pension (50%) to 25 years*. *Just
look at the clever move; fully knowing that the soldier retired after 15 years of service. Thus the soldier in effect got only 30% of pay after 15 years of service, as extrapolated from full pension of 50% of pay with 25 years of service.  Thus the Government ingeniously cut a soldiers pension from 70% to 30% of pay at the same time enhancing the civilian pension from 30% to 50%. *Look at the perfidy; how can possibly a Government run down her own Armed Forces? It is indeed a remarkable feat from a nation that was a slave nation for over two centuries, yet disregards her Armed Forces who ensure her hard earned freedom?*

> Our Defence Ministry were hand in glove with the proposals. There was not a whimper of protest to set right the injustice. The soldiers had to pay heavily for having won the war for the country. *Their travails were not over; more was yet to come!*

> One would wonder why the soldiers did not protest against the brash injustice perpetrated on them? It would be difficult to believe, as those were the times the officers in particular were told that politics and pay were not to be discussed. They were naïve and had full faith in the government that in the long run; no injustice would be done to them? The disarming naivety of our officers appear incomprehensible now; but it was true then. Hence the entire master stroke of cutting the armed forces to size by impoverishing them was done with so much of dexterity, it took us couple of decades to realise its negative impact.

  The running down of the Armed Forces in the Third Pay Commission could not have been done without  active and positive consent of the Political leadership then!

> Their next target was the most popular figure in the country-- *Fd Marshal Manekshaw*.  He was made a Field Marshall and the appointment is active for life, though ceremonial in nature. A Field Marshall does not retire and continues to wear his five star rank for life. He was *entitled to Pay and Allowances for life.  The bureaucrats who were literally jealous of his popularity ensured that he did not get his pay and allowances  for the next 36 years, Lo and behold!  A lump sum of ₹ 1.60 crore of arrears was released to him on intervention by then President Abdul Kalam!*
_*A non-descript bureaucrat gave him his pension dues on his deathbed in Jun 2007, a few days before he breathed his last.*_
*Isn't Indian Bureaucracy, a national tragedy?*