wish you and your family a A Happy New Year

[k.m & 18 vad 3 tuojh] 2017 yzv 18, nze L 3 ibtoh, 2017 Vol.-18, Issue : 3 January, 2017 wish you and your family a A Happy New Year 32ND ANNUAL GENERAL MEETING OF SBI PENSIONERS ASSOCIATION, CHANDIGARH CIRCLE ON 27TH NOVEMBER, 2016. The above meeting was organised on said date with a very well organised manner. The Chief Guest of the meeting was Sh. Sanjay Kumar, General Manager, Network-I, LHO, Chandigarh. Sh. Abhijit Majumdar, General Manager, Network-III and Sh. D.B. Singh, Dy. General Manager and C.D.O., LHO, Chandigarh, also attended the meeting as our valuable guests. Sh. K.K. Trikha, Dy. General Secretary of the SBI Officers Association, Sh. H.B.S. Batra, President of SBI Staff Association and Sh. Parmod Kumar, General Secretary of the S/C S/T Welfare Association also attended the meeting on our invitation. After the lighting of the lamp, the above mentioned dignitaries were honoured by the Pensioner's Association. Sh. A.C. Rambani, President of the Association welcomed the Guests and our members who had come to attend the meeting from various centres of the Chandigarh Circle Association. Sh. Sanjay Kumar, G.M. Network-I, 1 the Chief Guest spoke about mobile Banking of the Bank including "BUDDY" for which the video presentation was also made by the Bank's officials. Mobile Wallet from India's most trusted Bank, accepted at 1000+ merchants.

- Cashless transaction, anyone, anytime and anywhere. - How to download "Buddy". > Go to Google play store or App Store from your smartphone. > Search - State Bank Buddy using keyword "State Bank" > Click on install and download the app. > Give a missed call on 09021122222 to receive a link by SMS to download State Bank Buddy and register for SB Buddy. No need for having account in State Bank for using State Bank Buddy. You just need an active internet service (2G/3G/4G/Wi-Fi) to use State Bank Buddy. Sh. Kumar also thanked our Association for inviting him and wished good luck to all the members of the Pensioners' Association. Sh. Abhijit Majumdar, G.M. Network-III was also kind enough to say few words for our Association and also praised the contributions of the senior members of the Pensioners Association. Sh. D.B. Singh, Dy. General Manager and C.D.O. assured the members of the Association for any type of help from the Bank for the welfare of the Pensioners. Sh. K.K. Trikha, Dy. General Secretary, SBI Officers Association, Chandigarh Circle, Sh. H.B.S. Batra, President of the SBI Staff Association of the Circle and Sh. Parmod Indal also spoke highly of their seniors i.e. the Pensioners and assured their support to them from time to time in future also. Seventeen Pensioners attending the meeting on 27.11.2016, who were more than 75 years, were honoured by the Association with Shawls presented to them by Sh. Sanjay Kumar, G.M. Network-I, Sh. Abhijit Majumdar, G.M. Network-III and Sh. D.B. Singh, The Dy. General Manager and C.D.O., LHO, Chandigarh. Our Pensioner Association of the Circle is very much thankful to the above dignitaries for their participation in our 2 A.G.M. by sparing their valuable time. The first session started at 11.15 A.M. and ended at 12.45 P.M. After tea break for 15 minutes, the business session started at 1 P.M. Once against, Sh. A.C. Rambani, our President, welcomed all the members present thereat and handed over the mike to Sh. T.R. Gupta, The General Secretary of the Pensioners Association of the Chandigarh Circle to apprise the members regarding activities of the Circle Association and Federation of Pensioners Association of SBI. The General Secretary read the report of 2015-16 and the Balance Sheet/Accounts for this period were unanimously passed by the members. S/Sh. V.K. Kalia, Vice President, Punjab Module-II, Y.P. Suri, Vice President, Punjab Module-I, also shared their views with the members. S/Sh. O.P. Banga, Vice President of Haryana Module, U.S. Negi of H.P. Module and Ujjagar Singh, Vice President of J&K Module were also present on the dais and watched all the proceedings of the Business Session. Nobody among the members present thereat raised any type of query which makes the Central Body of the Pensioners' Association, Chandigarh satisfied with their working and once again, we thank all the members who have come to attend the meeting from different areas of the Circle. The meeting ended with vote of thanks, by Sh. A.C. Rambani, President of the Circle Association followed by Lunch at 2.30 P.M. In the last but not the least, we are very much thankful to the A.G.M. (OAD), the A.G.M. (PPG) and the A.G.M. (Estate) at L.H.O. for their full support for providing us the North Block Hall at LHO for our meeting with all requisite facilities. I on behalf of our Circle Association, wish you and your family members, a very very happy new year, 2017. God may bring all happiness to you and your family members. *****

Few Glimpses from our Annual General Meeting on 27th November, 2016. 3

a,l-ch-vkbz- isa'kutz+z esy S.B.I. PENSIONERS MAIL n?;aphankjha g?ab;boi w/b We have been advised by our Vice President of Punjab Module-I of SBI Pensioners' Association, Sh. Y.P. Suri, as under : HERITAGE TOUR gesa vius thun (gfj;k.kk) ;wfuv }kjk Hkstk x;k viuh ehfvax ds ckjs esa i=k % We are glad to inform you that we had planned a heritage tour for our members in the monthly meeting of the unit i.e. 12.10.2016 to visit, this time, Dharamshala (M. Ganj), Chomunda Devi Temple, Pror (Dera Radha Swami) & Jawala Ji Mata Temple on 6th, 7th November, 2016. 1,l-ch-vkbZ- is a'kutz,lksf'k,'ku] thun ;wfuv }kjk viuk izfke LFkkiuk fnol fnukad 06-12-2016 dks egf"kz fo k efunj] thun esa iks/k &jksi.k djds euk;k x;ka bl volj ij fo ky; ds Nk=k&Nk=kkvks }kjk lkald`frd dk;zozúe izlrqr fd;k x;k ftlesa dforkvksa vksj u`r; ds ekè;e ls lkekftd dqjhfr;ksa dks nwj djus o ns'k izse dh Hkkouk tkx`r djus dk luns'k fn;k x;ka fo kffkz;ksa ds izksrlkgu gsrq thun ;wfuv }kjk :i;s 3100@& dh jkf'k iznku dh xbza As per the programme, we started our journey from S.B.I. Jalandhar Main Branch by raising slogans like "Jaikaara Laatan Wali Da..." & "Bol Chomunda Mata Ki Jai" etc. IN total, 30 members participated. On the way we had a lot of fun by exchanging views with each other on different topics. It was felt as diversity in the unity in the true sense despite of the different nature of the members. At the very outset, we went straight to Dharamshala and enjoyed ourselves at M. Ganj after having "Darshan' at Bhoghusnag Temple situated there. Therefrom, we had gone to "Chomunda Devi" & reached therein the evening. After staying there for a night, we proceded to 'PROR' (Radha Swami Dera) on 07.11.2016 in the morning after participating in the "Aarti" at Chomunda Devi Temple" which we never enjoyed before. It was beautifully sung by Pandits accompanied by musical instruments. In 'Pror' we saw the Radha Swami Dera and had a 'Langar' there. It was a wonderful place worth seeing, scattered in many acres. Therefrom, we straight went to "Jawala Devi Temple" to have 'Darshan' there. Then we reached Jalandhar in the evening. ***** 4 blds mijkur ;wfuv dh ehfvax ^gksvy mrlo* esa vk;ksftr dh xbz ftlesa Jh fouksn d';i }kjk lnl;ksa dks Hkfo"; esa lekt ds t:jreun vksj vlgk; yksxksa dh lgk;rk gsrq izsfjr fd;k x;ka ftldk lhkh lnl;ksa us [kqys fny ls lefkzu vksj Lokxr fd;ka rnqijkur Jh fouksn d';i us oksv vkwq FkSaDl fd;ka vur esa lhkh lnl;ksa us lq:fp Hkkstu dk vkuun mbk;ka fouksn d';i duohuj] thun ;wfuv State Bank of India Pensioners' Association Hoshiarpur Unit Following were elected as Office-Bearers of the Local Unit at a meeting held on 15.11.2016. President Sh. V.C. Ohri Secretary/Delegate Sh. A.J. Malhan Vice President Sh. Satya Pal Asst. Secretary Sh. R.K. Seth Treasurer Sh. Jagir Singh Asst. Treasurer Sh. Yash Pal

A TALK WAS HELD IN THE NORTH BLOCK ON 07.12.2016 BY SH. VIJAY VASANT SHANBHAG, DY. GENERAL MANAGER (RE, H&H.D.) FOR PENSIONERS INTERESTED TO BECOME MARKETING CONSULTANTS Remunerations payable to Marketing Consultants on first disbursal of the Loan is as under. (The rates are inclusive of Service tax and any other tax, if applicable) : ------- NEW LOANS TAKE OVER ------- 0.30% subject to minimum of Rs. 5000/- for loans from 0.35% subject to a minimum of Rs. 5000/- for takeover Rs. 10 lacs to Rs. 50 lacs. of loans from Rs. 5 lacs to Rs. 15 lacs. 0.35% for loans above Rs. 50 lacs, subject to 0.50% for loans above Rs. 15 lacs, subject to maximum maximum of Rs. 1.50 lacs per loan. of Rs. 2 lacs per loan. a. Where the aggregate sourcing is more than a. 0.35%* (Max Rs.1.50 lac per loan) Rs.3.00 crores and upto Rs.6.00 crores per month b. Where the aggregate sourcing is more than b. 0.40%* (Max Rs.1.50 lac per loan) Rs.6.00 crores and upto Rs.9 crores per month c. Where the aggregate sourcing is more than c. 0.45% (Max Rs.1.50 lac per loan) Rs.9.00 crores per month *For Take-over loans out of the aggregate limits, the rate of commission will be as applicable for Take-over loans. ------- Remuneration for sourcine of protect approval proposal alongwith necessary papers. Rs. 200/ per flat/unit in the project, subject to a maximum Rs. 10000/- per project. The official approving the project will be authorized to sanction such expenses. (A) (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) ELIGIBILITY CRITERIA: Retired officers and employees in clerical cadre may be engaged for the purpose, without prejudice to their pension. Retired employees of the clerical cadre may also be engaged for marketing of Home Loan or other mortgaged Loan by me empanelment committee. The officers/employees who left the Bank s service under SBIVRS or who were dismissed/removed from the Bank s service as a disciplinary measure shall not be eligible. Age at the time of empanelment should not be more than 65 years. Performance of MCs will be reviewed at half yearly intervals. Continuation on the Bank s panel will be subject to satisfactory performance based on the half yearly review. His/Her commitment, diligence and integrity should have been excellent during his service in the Bank. No punishment / penalty should have been inflicted on the officer/ employee during five years of his service in the Bank preceding his/her retirement. Cases of CBI or other law enforcement agencies should not be pending against him. The retired Officer/ Employee should be familiar with the local market. The retired officers/employees who have already been appointed as Channel Management Advisors by the Bank or any such assignment shall not be eligible for empanelment as Marketing Consultants concurrently. CIBIL report of each of the MC applicant will be scrutinized before empanelment as MC. Defaulters with our Bank/other Banks/FIs will not be empanelled. ***** 5

LEGAL FUND CONTRIBUTION FROM VARIOUS UNITS AND OUR MEMBERS 1. BATALA B.F. Rs.900/- 1. Sh. S.K. Aroraa 100.00 2. Sh. Charan Dass 100.00 3. Sh. D.P. Aggarwal 100.00 4. Sh. S.P. Mahajan 100.00 5. Sh. Ramesh Mahajan 100.00 6. Smt. Palwinder Kaur 100.00 - Rs.1,500/- -- 2. AMRITSAR B.F. Rs.1,100/- 1. Sh. Vijay Kumar 100.00 2. Sh. J.L. Behl 100.00 3. Sh. M.L. Behl 200.00 4. Sh. S.K. Bhandari 200.00 5. Sh. V.K. Sharma 200.00 Rs.1,900/- 3. PANCHKULA 1. Sh. Kuldip Kumar 500.00 4. CHANDIGARH B.F. 11,000.00 1. Sh. K.K. Beri 100.00 2. Sh. D.R. Chippe 100.00 3. Sh. Vijay Kumar Gupta 100.00 4. Sh. M.K. Sharma 100.00 5. Sh. Vinod Sharma 100.00 6. Sh. V.C. Puri 100.00 7. Sh. A.K. Dhingra 100.00 8. Sh. J.S. Sudefiml 100.00 9. Sh. Shashi 100.00 10. Sh. B.P. Mehra 100.00 11. Sh. Ram Tirh 100.00 12. Sh. Prem Paul 100.00 13. Sh. Pardeep Chopra 100.00 14. Sh. Subhash Mahajan 100.00 6 15. Sh. B.B.Sharma 100.00 16. Sh. A.K. Sehgal 100.00 17. Sh. R.P. Monga 100.00 18. Sh. J.L. Thukral 100.00 19. Sh. S.C. Verma 100.00 20. Sh. Surjit Kumar Garg 100.00 21. Sh. R.P. Verma 100.00 22. Sh. Manmohan Singh 100.00 23. Sh. S.K. Mittal 100.00 24. Sh. H.L. Khanna 100.00 25. Sh. H.S. Sohal 100.00 26. Sh. D.S. Nahar 100.00 27. Sh. N.K. Malhotra 100.00 28. Sh. R.D. Baweja 100.00 29. Sh. J.P. Datta 100.00 30. Sh. Ram K. Sabharwal 100.00 31. Sh. J.R. Gupta 100.00 32. Sh. A.K. Khullar 100.00 33. Sh. R.K. Sawhney 100.00 34. Sh. G.K. Narang 100.00 35. Sh. Manmohan Singh 100.00 36. Sh. B.M. Singh 100.00 37. Sh. R.K. Arora 100.00 38. Sh. S.K. Arora 100.00 39. Sh. Dharam Pal 100.00 40. Sh. K.K. Mehra 100.00 41. Sh. B.L. Gupta 100.00 42. Sh. Vinod Sachdeva 100.00 43. Mrs. Uma Aneja (F.P.) 100.00 44. Mrs. Kamlesh Syal 500.00 45. Sh. R.K. Aggarwal 100.00 46. Mrs. Sukanti Sharma 100.00 47. Misc. credited to Legal Fund 1800.00 instead of Tea Fund -- Rs.17,800/- -- 5. HOSHIARPUR 1. Sh. G.K. Sharma 100.00 2. Smt. Krishna Kumari Verma 100.00 3. Sh. S.P. Singh 100.00 4. Sh. Jitender Kumar 100.00 5. Sh. Sukhvinder Singh 100.00 6. Sh. Laxmi Chand 100.00

7. Sh. Vidya Rattan 100.00 8. Sh. S.D. Sharma 100.00 ------------ Rs.800/- ------------ 6. KULLU 1. Sh. Daya Singh Verma 100.00 2. Sh. Sher Singh 200.00 3. Smt. Sneh Lata 100.00 (Rs.1000/- also contributed earlier, Thanks) Rs.400/- ----------- 7. JAMMU Contribution 3000.00 Thanks to S/Sh. Ujjagar Singh, Vice President & Vinod Mahajan, Organising Secretary. 8. SIRSA An amount of Rs.1700/- has been collected by our Zonal Secretary, Sh. C.M. Kataria, Thank you Kataria Ji. 1. Sh. C.M. Kataria 100.00 2. Sh. S.S. Grewal 100.00 3. Sh. R.D. Monga 100.00 4. Sh. S.K. Gupta 100.00 5. Sh. B.K. Goyal 100.00 6. Sh. Sher Bahadur 100.00 7. Sh. I.S. Talenga 100.00 8. Sh. R.K. Verma 100.00 9. Sh. K.D. Arora 100.00 10. Sh. C.L. Randhawa 100.00 11. Sh. Gurjit Singh 100.00 12. Sh. B.C. Mehmi 100.00 13. Sh. Mani Ram Khichi 100.00 14. Sh. B.D. Mehta 100.00 15. Sh. L.K. Gupta 100.00 16. Sh. K.L. Jain 100.00 17. Sh. Sultan Singh 100.00 Rs.1700/- 9. AMBALA CANTT. (HARYANA) 7 Sh. Ashwani Kumar Gaur, our Zonal Secretary has collected this amount from Ambala Cantt. Unit. Thank you Sh. Gaur Ji. 1. Sh. Ashwani Kumar Gaur 100.00 2. Sh. Hem Raj 100.00 3. Sh. R.N. Sharma 100.00 4. Sh. Sunder Singh 100.00 5. Sh. S.K. Sehgal 100.00 6. Sh. K.L. Sehgal 100.00 7. Sh. V.K. Gupta 100.00 8. Sh. Ashok Sharma 100.00 S/o Late Sh. Om Parkash Sharma 9. Sh. Sunder Lal 100.00 10. Sh. Ashok Sharma 100.00 S/o Late Sh. P.D. Sharma 11. Sh. Baldev Singh 100.00 12. Smt. Pushap Lata 100.00 13. Sh. Sanjeev Kalra 100.00 14. Sh. B.K. Sharma 100.00 15. Sh. Jagbir Walia 100.00 16. Sh. Om Parkash 100.00 17. Sh. N.K. Sharma 100.00 18. Sh. Vishu Pal 100.00 19. Sh. Vijay Kumar 100.00 20. Sh. Vinod Kashyap 100.00 21. Sh. V.K. Sharma 100.00 22. Sh. V.B. Chanana 100.00 23. Sh. D.K. Sehgal 100.00 24. Sh. Sudarshan Arora 100.00 25. Sh. Vinod Sehgal 100.00 26. Sh. Pawan Kapoor 100.00 27. Sh. Mam Chand 100.00 28. Sh. Balak Ram 100.00 - Rs.2,800/- -

10. PANIPAT (HARYANA) An amount of Rs.4400/- collected by Sh. S.C. Chandna, Secretary of our Panipat Unit. Thank you Sh. Chandna Ji. 1. Sh. O.P. Banga 100.00 2. Sh. O.P. Gupta 100.00 3. Sh. M.L. Arora 100.00 4. Sh. S.C. Chandna 100.00 5. Sh. K.K. Chopra 100.00 6. Sh. L.N. Gupta 100.00 7. Sh. A.S. Pruthi 100.00 8. Sh. M.L. Bhutani 100.00 9. Sh. P.K. Sindwani 100.00 10. Sh. S.V. Arya 100.00 11. Sh. Kailash Vasudeva 100.00 12. Sh. S.L. Sareen 100.00 13. Sh. C.M. Sethi 100.00 14. Sh. C.M. Malik 100.00 15. Sh. S.S. Wadhwa 100.00 16. Sh. D.P. Sadhana 100.00 17. Sh. S.C. Arya 100.00 18. Sh. K.R. Chokar 100.00 19. Sh. S.C. Garg 100.00 20. Sh. C.P. Singla 100.00 21. Sh. P.L. Nagpal 100.00 22. Sh. M.P. Gulati 100.00 23. Sh. M.L. Gandhi 100.00 24. Sh. Ashok Gulati 100.00 25. Sh. P.C. Khurana 100.00 26. Sh. P.D. Nanda 100.00 27. Sh. R.K. Chandna 100.00 28. Sh. B.S. Khobra 100.00 29. Sh. D.V. Malik 100.00 30. Sh. P.L. Chugh 100.00 31. Sh. R.K. Kohli 100.00 32. Sh. M.R. Sehgal 100.00 33. Sh. R.K. Bhatia 100.00 34. Sh. D.L. Arora 100.00 35. Sh. Mohan Lal Narang 100.00 36. Sh. S.C. Aneja 100.00 37. Sh. J.L. Baweja 100.00 38. Sh. Raghbir Sharma 100.00 39. Sh. R.K. Sindwani 100.00 8 40. Sh. P.C. Muthreja 100.00 41. Sh. V.K. Thakral 100.00 42. Sh. J.C. Leekha 100.00 43. Sh. Ramesh Soni 100.00 - Rs.4,300/- - 11. HISAR (HARYANA) 1. Sh. J.L. Chugh 100.00 2. Sh. P.C. Bansal 100.00 3. Sh. K.K. Sharma 100.00 4. Sh. M.R. Garg 100.00 5. Sh. R.G. Jindal 100.00 6. Sh. M.G. Bhutani 100.00 7. Sh. H.S. Bajaj 100.00 8. Sh. M.R. Bhayana 100.00 9. Sh. Bhagwan Dass 100.00 10. Sh. H.R. Thakral 100.00 11. Sh. O.P. Madan 100.00 12. Sh. Rohtash Malodia 100.00 13. Sh. R.K. Jain 100.00 14. Sh. A.P. Mehtani 100.00 15. Sh. P.P. Pruthi 100.00 16. Sh. A.K. Thakral 100.00 17. Sh. M.L. Gakhar 100.00 18. Sh. A.K. Juneja 100.00 19. Sh. K.L. Bhatia 100.00 20. Sh. Suresh Bhatia 100.00 21. Sh. Vijay Singh 100.00 22. Sh. S.S. Jhamb 100.00 23. Sh. S.D. Mehta 100.00 24. Sh. V.K. Sharma 100.00 25. Sh. Y.P. Taneja 100.00 26. Sh. M.L. Aggarwal 100.00 27. Sh. Madhukar Bharti 100.00 28. Sh. N.K. Sharma 100.00 29. Sh. R.K. Girdhar 100.00 30. Sh. D.P. Siwach 100.00 31. Sh. K.K. Bhugalia 100.00 32. Sh. O.P. Chawla 100.00 33. Sh. Lehri Singh 100.00 ------------ Rs.3,300/-

Above amount was collected by Sh. J.L. Chugh, Zonal Secretary. Thank you dear comrade. 12. LUDHIANA (PUNJAB) 1. Sh. Prem Nath 100.00 2. Sh. V.K. Gosain 100.00 3. Sh. V.K. Kalia 100.00 4. Sh. N.K. Gusain 100.00 5. Sh. Balraj Puri 100.00 6. Sh. M.L. Narang 100.00 7. Sh. K.K. Marwaha 100.00 8. Sh. O.P. Kapur 100.00 9. Sh. Sudarshan Kalia 100.00 10. Sh. S.L. Chopra 100.00 11. Sh. Mahesh Sharma 100.00 12. Sh. P.N. Kakkar 100.00 13. Sh. Anil Gupta 100.00 14. Sh. S.C. Bhalla 100.00 15. Sh. Daljit Singh 100.00 16. Sh. Bharat Bhushan 100.00 17. Sh. Mohinder Singh 100.00 18. Sh. Hira Lal 100.00 19. Sh. Swarn Singh 100.00 20. Sh. G.R. Deora 100.00 21. Sh. B.R. Hira 100.00 22. Sh. P.K. Sehgal 100.00 23. Sh. R.K. Chopra 100.00 24. Sh. H.K. Singh 100.00 25. Sh. Tarlochan Singh 100.00 26. Sh. J.L. Mehta 100.00 27. Sh. H.C. Kumra 100.00 28. Sh. M.L. Gupta 100.00 29. Sh. J.P. Singh 100.00 30. Sh. M.S. Kellay 100.00 31. Sh. Harbir Singh 100.00 32. Sh. S.K. Sethi 100.00 33. Sh. S.K. Gupta 100.00 34. Sh. A.K. Nayyar 100.00 35. Sh. P.K. Jain 100.00 36. Sh. V.K. Puri 100.00 37. Sh. P.L. Anand 100.00 38. Sh. Raj Kumar 100.00 39. Sh. P.S. Anand 100.00 9 40. Sh. S.R. Sabharwal 100.00 41. Sh. Dalip Kumar 100.00 42. Sh. Vinod Kalia 100.00 43. Sh. Bhushan 100.00 44. Sh. Moti Lal 100.00 45. Sh. Major Singh 100.00 46. Sh. Hardev Kumar 100.00 47. Sh. Hans Raj 100.00 48. Sh. Satish Chander 100.00 49. Sh. Kushi Ram 100.00 50. Sh. V.K. Dhawan 100.00 51. Sh. K.K. Mehta 100.00 52. Sh. Bahadur Singh 100.00 53. Sh. Grover 100.00 54. Sh. O.P. Guglani 100.00 55. Sh. Surat Singh 100.00 56. Sh. R.V.K. Gupta 100.00 57. Sh. Gurdial Singh 100.00 58. Sh. G.C. Lakhanpal 100.00 59. Sh. Mahesh Chander 100.00 60. Sh. Karam Chand 100.00 61. Sh. P.S. Sahota 100.00 62. Sh. Raj Kumar 100.00 63. Sh. Avnish Kaushal 100.00 64. Sh. Suresh Sachdeva 100.00 65. Sh. Bagh Singh 100.00 66. Sh. Major Singh 100.00 67. Sh. S.K. Kaplish 100.00 68. Sh. J.S. Thind 100.00 69. Sh. Charanjit Kumar 100.00 70. Sh. A.K. Singh 100.00 71. Sh. Pal Singh 100.00 72. Sh. O.P. Joshi 100.00 73. Sh. B.K. Chopra 100.00 74. Sh. M.R. Gulati 100.00 75. Sh.Ajmer Singh 100.00 76. Sh. Dharam Vir 100.00 77. Sh. Hoshiar Singh 100.00 78. Sh. S.K. Gupta 100.00 79. Sh. Sabharwal 100.00 80. Sh. Goyal 100.00 81. Sh. B.R. Hira 100.00 82. Sh. S.P. Singh 100.00

83. Sh. Vashisht 100.00 84. Sh. N.S. Grover 100.00 85. Sh. B.M. Seth 100.00 86. Sh. S.K. Sehgal 100.00 87. Sh. R.M. Jain 100.00 88. Sh. Chaman Lal Sharma 100.00 89. Sh. Y.P. Mahajan 100.00 90. Sh. A.P.S. Vig 100.00 91. Sh. A.K. Kapoor 100.00 92. Sh. S.P. Wadhawa 100.00 93. Sh. Tarsem Kumar 100.00 ------------ Rs.9,300/- The amount was collected by S/Sh. V.K. Kalia, Vice President and V.K. Gosain, Organising Secretary of our Ludhiana Unit. Thank you dear comrades. 13. AMBALA CITY 1. Sh. S.C. Chandna 100.00 2. Sh. Subhash Mehra 100.00 3. Sh. Amrit Lal Gupta 100.00 4. Sh. Gulshan Rai 100.00 5. S. Ranjit Singh 100.00 6. Sh. Rajit Rana 100.00 - Rs.600/- -- Our thanks to Sh. N.K. Verma, President Amabla City Unit. 14. MISCELLANEOUS 1. Sh. Suresh Kumar, Palampur/U.S.A. 3,600.00 2. Sh. Deep Ram Sharma, Theog, H.P. 500.00 3. Sh. Balak Ram Sharma, Theog, H.P. 100.00 4. Sh. G.S. Oberoi, Chandigarh 100.00 5. Sh. V.P. Mittal, Mandi Dabwali 100.00 6. Sh. V.K. Sethi, Faridkot, Pb. 100.00 ------------ Rs.4,500/- 10 HAPPINESS IN OLD AGE Happiness is a state of mind. Sometimes we confuse happiness with pleasure only. But it is both happiness and pleasure as the two are different. Pleasure is a physical part, when we eat, smell, hear or touch good things, we feel pleasure which is controlled by brain, whereas happiness is a state of mind. Pleasure is material - oriented and is mainly affected by outer conditions. Any happening which increases mental peace and reduce frustration, contribute to happiness. Think of pleasure, man may have all sorts of comforts, fine food, fine music, palatial house, yet he/ she may be very disturbed, worried and frustrated. If we sum up, pleasure is a hardware whereas happiness is a software. Pleasure is an outside agency, which you can have from material things, but true happiness is within and it does not depend on external factors only. The biggest hurdle in happiness is the Ego. The more the inflated ego of a man, the less happy he would be. If ego is minimal, happiness is proportionately much higher. Most of the people are unhappy because of fear of unknown, mostly they think of the future which is a mystery or think of the past which is a history, but real life is in the present. Pleasure is a short lived, because it relies on external circumstances. Any pleasure you feel in the Morning will become stale after sometime. Happiness gives you contentment whereas in pleasure you cherish more. (i) Life is a gift of God and particularly in old age enjoy to its full. (ii) Real happiness comes when we develop faith in God who knows what is best for us. (iii) Help to others or service to others always leads to inner satisfaction and peace of mind. (iv) Try to live in present & fully enjoy the nature & its bounties. (v) Light exercise or Yoga can help to attain happiness & accept things as they are. A.K.NAYYAR JAMMU (J&K)

NEW MEMBERS ENROLLED DURING DECEMBER, 2016 Chandigarh 9217771777 # 1222, Sector 33-C, Chandigarh 18-07-56 Kewal Krishan Sood 8699331222 Om Parkash Chauhan # 2968, Opp. Govt. Girls College, Sector 42-C, 2602424 01-11-56 Chandigarh. 9417048158 Prem Pal Singh # 5647, Sector 38 (West), Chandigarh. 18-04-56 2625195 9888568833 Sateekshan Sood # 1113-A, Sector 20-B, Chandigarh. 23-07-56 2722074 8146999550 Mohali Jai Singh # 2018, Janta Colony, Naya Gaon, Distt. SAS Nagar, Pb. 14-12-56 H.P. Vill. Talyali, P.O. Kalkhar, Tehsil Baldwara, Distt. Mandi, Dayal Singh Verma H.P. 13-03-47 9459811877 Dharam Chand Vill. Dounthal, P.O. Kurati, Teh. Joginder Nagar, Distt. Mandi, H.P. 15-11-56 9459418503 Santosh Thakur Mrs. C/o Mrs. Rattana Thapa, Tapovan Road, P.O. & Distt. 9816444739 23-12-56 Sidhbari, Dharamshala, Distt. Kangra 9459344739 Sushil Kumar Rana Vill. Nanwar, P.O. Chadhiar, Teh. Baijnath, Distt. Kangra, H.P. 17-07-56 8894232396 J&K Muthi Akalpur, Link Road, Nanak Vihar, Lower Muthi, 9419102480 28-09-56 Attan Jee Raina Jammu, J&K 9419726670 Haryana 275075 # 338, Sector 14-P, Hisar, Hry. 01-12-56 Ashok Kumar Arora 9416251702 Dharam Pal Kundu # 4040, Defence Colony, Jind, Haryana 01-06-54 245685 9254644838 J.P. Singhmar # 883/21, Mailash Colony, Rohtak, Hry. 15-11-56 8295952921 Kailash Chand # 1132, Plot No. 25, H-Block, Professor Colony, Yamunanagar, Hry. 03-11-56 9729242992 Krishan Kumar Khurana # 110, Scheme No. 19, Vivekanand Nagar, Jind, Hry. 04-11-55 9466571110 Manju Ahlawat # 295, Old Housing Board Colony, Rohtak, Hry. 25-11-56 238833 9355483672 Som Nath Matta # 98, Scheme No. 5, Gandhi Nagar, Jind, Hry. 02-05-55 258098 9991173400 Punjab # 1167/10, Harbans Pura, Gali No.1, Gaushalla Road, Ajmer Singh Ludhiana, Pb. 30-06-56 9781983703 Jaspal Singh Banga V.P.O. Ibrahimpur, Teh. Garshankar, Distt. Hoshiarpur, Pb. 15-03-52 9779831674 Paramjit Kaur Kalra # 669, Urban Estate-II, Jalandhar, Pb. 19-11-56 8146658326 Poonam Sehgal # 7/239, Jaswant Nagar, Garha Road, Jalandhar, Pb. 17-11-56 9876113167 Rajinder Singh # 170-B, Bhai Randhir Singh Nagar, Ludhiana, Pb. 08-12-51 9417536700 9501756500 S.K. Sabharwal # 180, Phase-III, Urban Estate, Dugri, Ludhiana, Pb. 11-01-56 2520052 9815619568 Sudagar Singh # 174, Moti Bagh Colony, Vill. Phullanwal, Ludhiana, 2561809 10-02-56 Pb. 9814615809 Surjit Singh Sandhu Basti Nizamdin, Malwal Road, Near Royal Palace, Ferozepur City, Pb. 25-02-61 8146188799 Sushil Kumar Mishra # 82, Purani Khalasi Line, Ferozepur Cantt., Pb. 04-10-56 247232 9872047232 Others Suresh Kumar # 614, Wade Road SE Owens Cross Road, A.L.-USA 30-10-49 256-656-6329 11

OBITUARY AND BEREAVEMENTS 1. Bulla Ram Amritsar 2. J.C. Talwar Amritsar 3. C.L. Goel Ludhiana 4. O.P. Sharma Ludhiana 5. Darshan Lal Nawanshahr Doaba 6. H.L. Rawal Hissar 7. J.L. Tuli Rewari 8. Lalit Singh Sen Sundernagar (H.P.) 9. O.P. Walia Zirakpur, Mohali 10. Krishan Gopal Sharma Panchkula 11. M.K. Khan Srinagar 12. Ramesh Chander Monga, Fatehabad 13. O.P. Thakkar Hisar 14. Subhash Chander Munjal, Hisar 15. K.K. Kanodia Mohindergarh 16 P.S. Sethi Sirsa 17. Jugal Kishore Kalra Abohar 18. Sham Lal Hoshiarpur 19. Gurdev Singh Jalandhar 20. Ramesh Lal Kapurthala 21. Bhag Singh Ludhiana 22. K.S. Malhotra Ludhiana 23. Surjit Singh Ludhiana 24. R.P. Ahuja Muktsar 25. Surinder Kumar Naya Nangal 26. Sukhvinder Singh Sangrur 27. M.M.L. Walia Ludhiana 28. Sohan Lal Gupta Ambala 29. Luxmi Devi W/o Som Nath Kapurthala Expired in November, 2016. 30. Sh. Ramesh Keshav Ludhiana Expired on 22.11.2016. 31. Sh. Prem Nath Jammu F/o Sh. R.K. Sharma, Expired in November, 2016. 32. Sh. Vinod Gupta Jammu Expired in October, 2016. 33. Smt. Prem Lata W/o Sh. J.L. Gupta Jammu Expired in October, 2016. 34. Smt. Mahinder Sachdev Ambala Cantt. W/o Sh. Prem Sachdev, expired in December, 2016. 35. Baljeet Kumar Jain Ludhiana Expired on 16.12.2016. 36. Sh. Dhanpat Rai Aggarwal Chandigarh F/o Sh. R.K. Aggarwal, Expired on 31.10.2016 37. Sh. Ram Chander Sirsa Expired in December, 2016. We pray to the Almighty to grant peace to the departed souls. Sh. P.L. Aggarwal, Ludhiana Sh. Vineet Kumar Mahajan, Jammu (Resident of Channi Himmat), Blessed with Grandson Sh. Vidya Sagar Chopra, Ambala on his 94th Birthday. We wish Sh. Chopra to live further long life. DONATIONS Sh. Ram Kalan Sabharwal, Chandigarh Rs.1100/- on his son's Master Yogender Sabharwal's 16th Death Anniversary on 18.10.2016. Rs.500/- Sh. T.S. Bhatia, Amritsar Rs.500/- on his Father Late Sh. W.S. Bhatia's 50th Death Anniversary, Formerly from Imperial Bank of India) Sh. Ajaib Singh, Panchkula Rs.1000/- In the memory of his Father S. Pritam Singh, who expired on 12.11.2016 at the age of 101 years. Rs.1100/- Rs.1100/- Please share your remembernces and happy occasions with the Association. Views expressed by the authors in the various Articles need not necessarily be the views of the Association. Monthly Magazine Registered with The Registrar for Newspapers in India under No. CHAMUL/2001/5941 dated 13.2.2002 DUE DATE OF POSTING AT GPO CHANDIGARH : 07.01.17 To, Mr./Mrs./Ms. BOOK POST (Printed Material) RONPFI Regd. No. CHAMUL/2001/5941 Dt.13.2.2002 If undelivered, please return to : Sh. Sudhir Suman Kumaria #1506/1, Sector-43-B, Chandigarh-160043 Postal Registration No.CHD/0098 VALID for 1.1.2015 to 31.12.2017 Information Under Section 3 of Newspaper Act, 1867 Editor & Published by T.R. Gupta, General Secretary, H.No. 3020, SBI Society, Sector 49-D, Chandigarh. Mobile : 9872113608 on behalf of State Bank of India Pensioners Association, Chandigarh Circle, Chandigarh. Printed by : RGS Enterprises at RP Press, Gurudwara Road, Badheri, 12 Sector 41-D, Chandigarh. E-mail : ssnegi72@gmail.com Tel. 01725089268