Monday, December 31, 2012

India washes hands of rights for the elderly-31 Dec 2012Hindustan Times (Delhi)Chetan Chauhan

Abstains from voting for an international legal instrument to protect older people, whose population is rising fast

India, unlike its neighbours Sri Lanka and Bangladesh, remained undecided on a United Nations-sponsored international legal instrument to protect the “rights” and “dignity” of the older population — whose number is rapidly rising.
Due to better health facilities, the number of older people in India will rise dramatically in the next four decades. According to advocacy group Agewell Foundation, the share of India's population aged 60 and older is projected to climb from about 100 million in 2010 to around 323 million by 2050 — higher than the total population of the US in 2012.
“This profound shift in the very limited old-age income support brings with it a variety of social, economic, and health care policy challenges,” said Himanshu Rath of the foundation. As of now, the average life expectancy rate in India is 66.80 years. It was just 37 when India gained independence.
To address the problem of rising population of elder citizens, the United Nations had set up working groups to look into the problems faced by senior citizens and suggest an over-arching legal instrument to provide them security in old age.
Based on the third working group report, the United Nations General Assembly recently adopted a resolution to have a legal instrument based on a holistic approach in the fields of social development, human rights and gender equality.
India, along with China, United States and Germany, were among the 118 countries that abstained from voting in favour of the resolution. However, neighbouring Sri Lanka and Bangladesh supported the resolution, which spoke on having uniform legal safeguards for the elderly across the world.
India, despite having several laws for the protection of older citizens, has failed to implement the legislations — resulting in many senior citizens having to suffer because of low income. This has happened because there is no law in India to conserve the human rights of elderly people.
An Agewell Foundation survey of about 50,000 elderly, released in August 2012, found that only 20% were aware of legal protection and its usage. Around three-fourth of the respondents were unsure about getting justice from the slow legal system.

Poor healthcare and ailing India-HT Delhi 31.12.2012

THE WRAP: Rural India suffered, public healthcare floundered

Despite the best medical minds and hi-tech medical townships, India’s public healthcare delivery continues to flounder.
World Health Statistics data 2012 showed that 39 million people in India are pushed into poverty each year and one of the reasons is expensive healthcare. Around 47% of all rural hospital admissions and 31% of admissions in urban India are financed by loans and sale of assets. Little wonder then that almost one in three people in rural India did not seek treatment because they couldn’t afford it.
And yet India’s healthcare spending remains a shoe-string 4.2% of GDP, which means as many as 86.4% of medicals bills are mostly out-of-pocket spending or money people spend from their own savings.
This makes India’s private spend among the highest in the world, comparing poorly not only with developed countries (US 23.4% and France 33.1%), and developing economies (Brazil 57.2% and Thailand 59.6%), but also neighbours Nepal, Sri Lanka and Pakistan (72.4%, 82.5% and 81.9%) respectively.
What can change all this is the Universal Health Coverage (UHC), meant to offer free and cashless treatment to everyone at all district hospitals and primary health centres and sub-centres by 2017.
But as always, implementation is the key — for the UHC to work, primary health centres and sub-centres need to be strengthened, which, despite efforts, has not happened over the years.
— Sanchita Sharma

Emergency Treatment in CGHS Hospitals

Emergency Treatment in CGHS Hospitals

CGHS Hospitals – Getting treatment in emergency conditions

Under emergency conditions, the empanelled hospitals are expected to provide treatment of CGHS beneficiaries in all available specialities…
Private hospitals have been empanelled under CGHS only for such specialities for which they are eligible as per the terms and conditions of empanelment. However under emergency conditions, the empanelled hospitals are expected to provide treatment of CGHS beneficiaries in all available specialities.

“Emergency” shall mean any condition or symptom resulting from any cause, arising suddenly and if not treated at the earliest opportunity would be detrimental to the health of the patient or shall jeopardize the life of the patient".

CGHS beneficiary attending hospital in emergency: In such a situation the Hospital shall intimate to BCA within 2 hours of admission and BCA shall respond in 4 hours (however treatment shall not be denied to any CGHS member and this is only an initiation of the e-workflow). Post discharge hospital would upload bills and download documents as per requirements of CGHS within 72 hours.


In emergency the hospital shall not refuse admission or demand an advance payment from the beneficiary or his family member and shall provide credit facilities to the patient whether the patient is a serving employee or a pensioner availing CGHS facilities, on production of a valid CGHS card and the hospital shall submit the bill for reimbursement to the concerned Deptt. / Ministry / CGHS. The refusal to provide the treatment to bonafide CGHS beneficiaries in emergency cases without valid ground, would attract disqualification for continuation of empanelment.

The following ailments may be treated as emergency which is illustrative only and not exhaustive, depending on the condition of the patient :

Acute Coronary Syndromes (Coronary Artery Bye-pass Graft / Percutaneous, Transluminal Coronary Angioplasty) including Myocardial Infarction, Unstable Angina, Ventricular Arrhythmias, Paroxysmal Supra

Ventricular Tachycardia, Cardiac Temponade, Acute Left Ventricular Failure / Severe Congestive Cardiac Failure, Accelerated Hypertension, Complete Heart Block and Stoke Adam attack, Acute Aortic Dissection.

Acute Limb Ischemia, Rupture of Aneurysm, Medical and Surgical shock and peripheral circulatory failure. Cerebro-Vascular attack-Stokes, Sudden unconsciousness, Head injury, Respiratory failure, decompensated lung disease, Cerebro-Meningeal Infections, Convulsions, Acute Paralysis, Acute Visual loss.
Acute Abdomen pain.
Road Traffic Accidents / with injuries including fall. Severe

Hemorrhage due to any cause.

Acute poisoning.

Acute Renal Failure.

Acute abdomen pain in female including acute Obstetrical and Gynecological emergencies.

 Electric shock.

Any other life threatening condition.


Eligibility of Unmarried Daughters of Armed Forces personnel for grant of Family Pension beyond 25 years of Age

Government of India

Ministry of Defence

Department of Ex-Servicemen Welfare

New Delhi the 14th Dec., 2012


The Chief of Army Staff

The Chief of Naval Staff

The Chief of Air Staff

Subject: Eligibility of Unmarried Daughters of Armed Forces personnel for grant of Family Pension beyond 25 years of Age.


The undersigned is directed to refer to this Ministry’s ID No.878/A/D(Pen/Sers)/04 dated 21.9.2004 extending the provisions of Department of P&PW OM No. 1/19/03-P&PW (E) dated 25.08.2004 and this Ministry’s letter No.I (3)/2007-D(Pen/Policy) dated 25.10.07 which makes unmarried / widowed / divorced daughter eligible for family pension beyond 25 years of age subject to fulfilment of other prescribed conditions, Attention is also invited to this Ministry’s ID No.9(6)/2007-D(Pen/Policy) dated 21.2.2008 under which it was clarified in consultation with Department of P&PW that liberalised family pension/special family pension (dependent pension) was not covered under the provisions of this Ministry’s above said letter dated 25.10.2007. A lot of references are being received in this Ministry for making unmarried/widowed/divorced daughter eligible for grant of liberalised family pension/special family pension beyond 25 years of age, if otherwise in order.

References are also being received in this Ministry for dissolving the provisions contained in Regulation 230(c) of Pension Regulations for the Army Part — 1(1961) and similar provision in Pension Regulations for Navy and Air Force, which debars unmarried daughters for continuance of Special Family pension if they were in receipt of children allowance even after disqualification of all other eligible heir(s).

 2. The above matter is considered by the Government and it has been decided in consultation with Department of P&PW that unmarried/widowed/divorced daughter also be eligible for grant of liberalised / special family pension beyond 25 years subject to fulfilment of other prescribed conditions as hitherto fore. It has also decided that all unmarried/widowed/divorced daughters, who were earlier or otherwise eligible for children allowance, shall also be sanctioned I liberalised family pension subject to other conditions being fulfilled. The allowance, if being paid, shall be discontinued from the date special/liberalised family pension is sanctioned under these orders. The provisions contained in Regulations 230(c), 239 & 240 of Pension Regulation for the Army Part - 1(1961) and similar provisions in Pension Regulations for the Navy and Air Force shall stand modified to that extent.

3. The family pension to unmarried/widowed/divorced daughters above the age of 25 years shall be payable if all other eligible children below the age of 25 years have ceased to receive family pension and there is no disabled child to receive the family pension. Family pension shall be payable to unmarried/widowed/divorced

daughter in order of their date of birth and younger of them shall not be eligible unless the next above has become ineligible for grant of family pension.

4. This order will take effect from 6.9.2007 i.e., the date from which Ordinary Family Pension was allowed to unmarried daughters by DoP&PW.

5. This issues with the concurrence of Finance Division of this Ministry vide their UO No. 10(8)/2012/Fin/Pen dated 21.11.12.

Yours faithfully,


Saturday, December 29, 2012

The God Project: Hinduism as Open-Source Faith

Josh Schrei

Josh Schrei

Trying to explain the core beliefs of "Hinduism" to an interested observer can be challenging to say the least. Its often stated that the word "Hinduism" itself is a total misnomer, as it basically refers to the sum total of spiritual and religious thought and practice that has taken place on the Indian subcontinent over the past 5,000 years. And lets just say it's been a busy 5,000 years.
The sheer volume of spiritual literature and doctrine, the number of distinct gods worshiped (over 30 million, according to some sources), the breadth of distinct philosophies and practices that have emerged, and the total transformation over time of many of the core Indic teachings and beliefs can be disconcerting to those raised in monotheistic cultures, as we are used to each faith bringing with it a defined set of beliefs that -- with the exception of some denominational rifts over the centuries -- stay pretty much consistent over time.
However, the key point of differentiation between Hinduism and these other faiths is not polytheism vs. monotheism. The key differentiation is that "Hinduism" is Open Source and most other faiths are Closed Source.
"Open source is an approach to the design, development, and distribution of software, offering practical accessibility to a software's source code."
If we consider god, the concept of god, the practices that lead one to god, and the ideas, thoughts and philosophies around the nature of the human mind the source code, then India has been the place where the doors have been thrown wide open and the coders have been given free reign to craft, invent, reinvent, refine, imagine, and re-imagine to the point that literally every variety of the spiritual and cognitive experience has been explored, celebrated, and documented.
Atheists and goddess worshipers, heretics who've sought god through booze, sex, and meat, ash covered hermits, dualists and non-dualists, nihilists and hedonists, poets and singers, students and saints, children and outcasts ... all have contributed their lines of code to the Hindu string.
The results of India's God Project -- as I like to refer to Hinduism -- have been absolutely staggering. The body of knowledge -- scientific, faith-based, and experience-based -- that has been accrued on the nature of mind, consciousness, and human behavior, and the number of practical methods that have been specifically identified to work with ones own mind are without compare. The Sanskrit language itself contains a massive lexicon of words -- far more than any other historic or modern language -- that deal specifically with states of mental cognition, perception, awareness, and behavioral psychology.
At the heart of the Indic source code are the Vedas, which immediately establish the primacy of inquiry in Indic thought. In the Rig Veda, the oldest of all Hindu texts (and possibly the oldest of all spiritual texts on the planet), God, or Prajapati, is summarized as one big mysterious question and we the people are basically invited to answer it.
"Who really knows?
Who will here proclaim it?
Whence was it produced?
Whence is this creation?
The gods came afterwards, with the creation of this universe.
Who then knows whence it has arisen?"
While the god of the Old Testament was shouting command(ment)s, Prajapati was asking: "Who am I?"
Since opening the floodgates on the divine question, Indic thought has followed a glorious evolutionary arc from shamanism, nature worship and sacrifice through sublime and complex theories on mental cognition, the nature of consciousness, and quantum physics.
Through tracing the subcontinents relationship with the deities of the Vedas, we can trace the course of Indic thought over the centuries. One of the first things we notice is that not only does the people's relationship to god change over the centuries, the gods themselves change. Shiva, for example, appears in the vedas as Rudra, the howler, god of storms, still something of a lesser deity. Reappearing over the centuries as Bhairava -- he who inspires fear -- Pashupati, lord of beasts, the god of yogis, and the destroyer, Shiva finally, by the 9th century, achieves status in Kashmir as the fundamental energetic building block of the entire universe. Neat trick.
But as much as the gods change and the evolution of Indic thought leads us to increasingly modern and post-modern views of the nature of reality, the old Vedic codes still remain front and center. One of Hinduism's defining factors is that the historic view of god, the nature worship and shamanism, never went away, so that god as currently worshiped exists simultaneously as symbol and archetype as well as literal embodiment. That Shiva, for instance, could simultaneously be the light of ultimate consciousness and an ash-smeared madman who frequents cremation grounds is a delight to us spiritual anarchists, while mind numbing to most western Theologists.
Western and Middle Eastern monotheistic faiths have simply not allowed such liberal interpretation of their God. They continue to exist as closed source systems.
"Generally, [closed source] means only the binaries of a computer program are distributed and the license provides no access to the program's source code. The source code of such programs might be regarded as a trade secret of the company."
One of the defining facts of Christian history is that access to God has been viewed -- as in most closed source systems -- as a trade secret. The ability to reinterpret the bible, or the teachings of Christ, or the Old Testament, or to challenge the basic fundamental authority of the church has been nonexistent for most of the church's history. Those who dared to do so were quite often killed.
In Indic thought, there is no trade secret. The foundation of yoga is that the key to god, or the macrocosm, or the absolute ... lies within the individual and can be accessed through a certain set of practices. It's a beautifully simple but ultimately profound concept that has been allowed to flourish unchecked for millennia. The process of discovering and re-imagining the divine is in your hands. The God Project.

Happy New Year 2013

Friday, December 28, 2012

Rank pay implementationorders issued by M/O Defence India

AT LAST THE  MOD backed by the Powers in the Govt have issued the much awaited RANK PAY IMPLEMENTATION ORDERS.


Saturday, December 22, 2012

Madhya Pradesh sets up senior citizen panel


The Madhya Pradesh Government has set up a “Senior Citizen Commission” to look into the problems of the elderly in the State.
The decision to set up the commission was taken during a Cabinet meeting which was chaired by Chief Minister Shivraj Singh Chouhan yesterday, an official release said.
Chouhan, at a meeting of old people at his house in April this year, had announced to set up a commission for them and the Cabinet had yesterday approved it.
Parliamentary Affairs Minister Narottam Mishra said the commission would comprise one Chairman and four members.
He said the commission will after a look at the problems of the senior people of the State, and produce an ideal proforma for old persons’ policy for the welfare and solution of their problems.

Wonder ! Where is Anna, Ramdeo, Kiaran Bedi & Kajeriwal. Why they hiding one of them shld hv come fwd to lead

Delhi gang rape case: Teargas, water cannons used against protesters
Girl protesters alleged that policemen hit them with lathis and declared they will launch a sit-in in the area.

Wonder ! Where is Anna, Ramdeo, Kiaran Bedi  & Kajeriwal. Why they hiding one of them shld hv come fwd to lead

Tuesday, December 18, 2012

Government Orders on Cabinet Decision on Pensionary Benefits to Ex-Servicemen to be Issued Next Month

Government Orders on Cabinet Decision on Pensionary Benefits to Ex-Servicemen to be Issued Next Month
Describing the twin tasks of improving the pensionary and medical benefits for ex-servicemen as ‘subjects of prime concern’ and ‘as an ongoing process’, the Defence Minister Shri AK Antony today announced that the orders authorizing payment to ex-servicemen and their families accruing from the recent cabinet decisions, hiking pension and other benefits amounting to nearly Rs.2300 crores per annum, would be issued next month. 

Addressing a meeting of the Consultative Committee attached to his Ministry, here, Shri Antony said this is the third time in the last four years that the Government have systematically improved the post-retirement benefits for ex-servicemen. 

Outlining the slew of measures taken by the MoD for improving the health care benefits of ex-servicemen, Shri Antony said the Government has been trying to expand the delivery mechanism and simplify procedures so that the ex-servicemen, who have given their best years of life for the security of the nation, get the required medical benefits without hassles. 

He said under the Ex-servicemen Contributory Health Scheme (ECHS), which has been in operation since April 2003, 227 polyclinics were initially approved by the Government. In 2010, another 199 polyclinics were sanctioned by the Government out of which 99 polyclinics have become functional and 100 polyclinics are under various stages of operationalization. The scheme is presently been implemented to 326 functional polyclinics. At present, the scheme has over 41 lakh beneficiaries including 13 lakh ex-servicemen and over 28 lakh dependents. The reach and coverage of the scheme is evident from the fact that in 2011-12, 90 lakh patients were attended to at the polyclinics. Shri Antony expressed confidence that with the commissioning of the remaining polyclinics the bulk of the ex-servicemen population throughout the country would be covered by the scheme. 

Shri Antony said there is still a long way to go as presently, ECHS facilities are available only in 339 districts out of a total of 659 in the country. The delivery of medicare at polyclinics is also hampered by the shortage of staff and non-availability of the prescribed medicines. 

Taking part in the discussion, the Members of Parliament urged the Government to prepare a roadmap to ensure that medical facilities are available to ex-servicemen in every district of the country. They also called for greater transparency in the process. Some Members pointed out that there is inordinate delay in settling the bills of private hospitals which should be ameliorated through technological means. Taking note of the rapid growth of healthcare facilities in the private sector in recent years and the innovative steps taken by some organizations and hospitals, the Members suggested that the Government should adopt the best practices readily available outside the government sector rather than handling the situation in a conservative fashion which is neither efficient nor cost-effective. 

Replying to some of the queries of the Members, the Minister of State for Defence Shri Jitendra Singh said the government is veering towards a ‘dashboard approach’ so that the healthcare mechanisms can be monitored online on a day-to-day basis by the administrators. He said the government’s efforts will always be to put a smile on the face of the ex-servicemen because they deserve it. 

Members of Parliament who attended the meeting included Shri Navin Jindal, Shri GajananDharmshi Babar, Shri SS Ramasubbu, Shri Gopal Singh Shekhawat, Shri Suresh Kalmadi, Shri Harsh Vardhan, Shri Kailkesh N. Singh Deo, Shri Sultan Ahmed, Shri Ram Chandra Khuntia, DrMahendra Prasad, Shri Ishwarlal Jain, Smt. AmbikaSoni and Shri PiyushGoyal. 

The Defence Secretary Shri Shashikant Sharma, Secretary Department of Defence Production Shri RK Mathur, Secretary Ex-Servicemen’s Welfare Shri Vijay Chibber, Secretary Defence Finance Smt. PritiMohantyand other officials of the Ministry of Defence also attended the meeting. 

(Release ID :90878)

Monday, December 17, 2012

Peanuts’ pension plan

‘ Peanuts’ pension plan for armymen
By Jugal Purohit
THE CENTRAL government has set aside ` 2,300 crore to meet the demands of ex- servicemen, fighting for increment in their pension and other retirement benefits.
Of this sumptuous amount, however, the share of an ex- army havaldar with a service of 24 years ( and equivalents in the navy & air force) will be a measly ` 461 per month.
This arithmetic was revealed after this correspondent accessed the current internal working sheets of the ministry of defence. The government, without revealing the precise calculations in its announcement on September 24, 2012, had claimed that it was setting aside ` 2,300 crore to meet the demands of the ex- defence personnel.
The break- up of this big promise, however, has been a shocker for ex- servicemen who were hoping for remarkable improvement in their pension and other benefits. What’s more distressing is the fact that three months have passed since the announcement but the government is yet to pass an order to operationalise even this miniscule a rise.
The work sheets are divided between officers and those below, referred to as other ranks ( OR). The plan, when implemented, will allow a monthly hike of ` 1,500 to ` 4,105 in the pension of officers, depending on their ranks, who retired before 2006. The ORs who retired before 2006, meanwhile, would be entitled to a monthly hike between ` 377 and ` 461.
“ It is shameful. These men fought the LTTE in Sri Lanka in the 80s, militants in J& K in the 90s and the Kargil War,” said an officer aware of the internal workings. An announcement has no meaning unless a government order is issued. An insider said: “ There have been constant reminders on this but to no avail. We don’t know whether the government is nervous or there is a goof- up but this delay is inexplicable.” Veterans responded with outrage at the revelation of the government’s calculations.
Major ( retd) Navdeep Singh, an expert on pensionrelated issues, said: “ The government is only partially implementing what the courts have told it to do a long time ago and claiming credit for it.” Commander ( retd) R. W. Pathak, from the Indian Ex- Servicemen Movement, said: “ Till date, there was a lack of sincerity in the government’s approach. Now, there is also lack of accountability. The babus of the ministry are denying benefits to those who gave the best years of their lives to the nation.” Flying Officer ( retd) Rustom Patel, who participated in the 1971 war, said the government’s attitude will deter those who wish to make their career in the armed forces.
Defence minister A. K. Antony, however assured that the government remained committed and will soon issue the order.

Sunday, December 16, 2012

Now, pay Rs 500 fine if caught littering on stations, trains

NEW DELHI: You will now have to pay a fineof up to Rs 500 if caught littering on railwaysstations or in trains. 

After the failure of several awareness campaigns, requests and sign boards to convince travellers to keep platforms and trains clean, the Railway Board has decided to prosecute offenders with a fine of up to Rs 500. 

Throwing garbage, urinating, bathing, defecating, washing utensils and clothes, feeding animals or birds on railway premises — station buildings, platforms, rail tracks and trains -- will be punishable according to a circular issued by the Railway Board to its zonal heads on Friday. 

Putting up posters or writing in train compartments or railway premises will be treated as an offence according to the notification issued under Railways Act, 1989. Any one caught defacing railway property will also be penalized, a senior railway official said. 

According to the new rules, authorized vendors and hawkers will have to make arrangements to keep waste baskets or containers for collecting litter and ensure its proper disposal. 

To implement the fresh measures, railways has authorized the station master or station manager, any official not below the rank of ticket collector (TC) or any official asked by railway administration to keep an eye on passengers littering on platforms and trains to punish the offenders. 

The Board has also directed general managers of zonal railways to widely publicize the new rules and penal provisions. 

"We had put up display boards and launched cleanliness campaigns appealing for passengers' cooperation to keep platforms and trains clean. But this did not help much. So now, we have decided to implement provisions of the Railway Act and penalize those found littering," a senior railway official said, adding that the provision of fine will be implemented properly. "We are hoping this will yield desired results," she said.

Thursday, December 13, 2012

Have you made nomination for your bank account?

- Balwant Jain, CFO,
I recently read a news item on the  referring to the answer given in the Parliament on the question of   unclaimed money is lying with the Indian Banks as on December, 2011.  It amounted to whopping sum of approx. Rs. I could not stop myself relating to the death of my friend’s family member who had missed on making nomination in his salary account.
. The said  report stated  that  a major portion of this unclaimed money belongs to Individuals, mainly attributing to the death of account holder.
Probably they were not conscious about availing the nomination facility, or postponed it to later date only to meet the untimely death later. This has not only deprived their legal heirs but also posed a problem for the banks to manage these unclaimed funds.
To combat this double edged problem, the Government of India amended the banking laws in 1983 to provide for nomination facilities in respect of  all banking accounts. Still many of us are not aware of this facility or do not want to come face to face to the fact that unforeseen can happen to us. But nomination is important and all of us must do it..
What is the process involved?
You can file a request for nomination of a single account as well as for a joint account in form No. DA-1. You can nominate any person to receive the amount lying to the credit of the account in case of your death or the death of any of the joint account holders. This form is applicable for all types of bank accounts, be  it savings account,  recurring deposit account, fixed deposit account or even a current account. You can submit the nomination form at the time of opening the account. Even if you fail to submit the form at the time of opening the bank account, the above nomination facility can be availed any time later on  by submitting the above form to your bank.
If  you wish to modify the existing nomination, you can do so by submitting Form No. DA-3. The nomination once submitted can be cancelled later on  simply by submitting Form No. DA-2. Even while canceling any nomination, it is advised to keep nomination of someone on the account alive at any given point of time. If you are submitting a request for cancellation of nomination, then immediately submit a fresh request for  nomination in Form No. DA-1 simultaneously.
This exercise of making nomination, cancellation and modification can be made as many times as you want by filling simple forms available with the bank. It is important  to obtain a written acknowledgement of any request made to the bank whether of nomination, cancellation or variation thereof. The banks normally give acknowledgement in a tear-off of the form being submitted.
You must keep photocopies of the forms in respect of nominations submitted to avoid any dispute in future and also for a ready reference. The banks also make note of such submission of nomination forms or variations/cancellations thereof in their records. Whenever there is any  deletion or addition to the original bank account, ensure that the nomination form is also filed with the bank signed by all the account holders at the relevant time.
Who  can  make the nominations?
Nomination facility is available in case of individuals only, and not to other entities like partnership firms, Limited Companies and Trusts etc. However, this facility of nomination is also available to all the accounts operated by proprietors in respect of their business concerns including current accounts .
In case of minor account holders, any parent or a guardian legally appointed can make nomination in respect of bank account of a minor.
However if your nominee is a minor, then you will have to appoint a person to receive the money on behalf of the minor in case the account holder dies while the nominee is still a minor. In case of death of the person who has nominated a minor and the minor has become a major, the minor who has meanwhile become major can claim the money from the bank himself.
In case any  of the joint accountholder dies without having made any nomination, the remaining account holder/s can still make a valid nomination in respect of the bank account. After death of one of the account holder, the bank will  remove the name of the deceased from the account and the remaining account holder/s remain the account holder/s. In case of only one account holder surviving, he becomes the sole account holder of the account. However in case you are holding deposit account jointly, all the joint account holder have to make a request for nomination and a nomination request not signed by all the account holders will not be a valid request.
The  nomination will remain active and alive even if the deposit account is renewed. The nomination automatically gets renewed on renewal of the deposit from time to time. Like the bank accounts, you can file nomination  for your lockers with the banks as well so that in case anything happens to you, the nominee can claim the contents of the locker from the bank.
In case of death of the person who made the nomination, the nominee steps into the shoes of the account holder and becomes entitled to all the rights of depositor as against the bank. He is entitled to give a valid discharge for payment of the money due to the bank. As far as the bank is concerned, it recognizes only the registered nominees and not  the legal heirs.
However, while making a claim as a nominee, you need to attach a valid proof of death of the account holder along with  the claim in the prescribed form. The banks are also  supposed to send a letter to the nominee in case no claim is filed within a period of three months after the notice of death of the account holder is given to the branch.
The legal heirs can lodge their claim for the money of the deceased against the nominee and not against the bank, once the bank has paid the money to the nominee as per the terms of the nomination filed with it.
The banks allow the nominee to foreclose the fixed deposit on submission of the relevant document like death certificate/claim form etc, however the banks can not grant any loan against such fixed deposit held by the deceased.
However in case any of the legal heirs has obtained any injunction from a court, the legal heirs can restrain the bank  from paying the money to the nominee.
What are you waiting for?
Nominate your near and dear ones to ensure that the money in your bank account does not remain unclaimed after your death. Even in case of saving bank account where the amount maintained is generally not substantial, please  submit nomination forms because you never know that something may happen to you when the balance in the saving bank account is temporarily very high.

Large gains in life expectancy indicate inclusive impact of economic reforms

Oct 3, 2012, 12.00AM IST  TOI
rage life expectancy in India jumped up by 4.6 years in the decade up to 2008, according to the latest data released by the Registrar General of India. Since this was also the period when economic reforms had the maximum impact, it gives the lie to an idea that's pervasive in the political domain - that reforms benefited only a tiny elite, leaving the rest of India's population untouched (or even worse off than before, going by some highly excitable accounts). The steady improvement in life expectancy at birth of the average Indian to 66.1 years by 2008 highlights steady improvement in overall living conditions and the general success of reforms.
What makes these gains more impressive are their inclusive character, with women and the rural population making more substantial gains. While women's life expectancy improved faster to 67.7 years that of men rose more slowly to 64.6 years. This is especially significant given that life expectancy of women had lagged that of men till the early 1980s. While the overall gains indicate access to more nutritious food and health care and better hygiene, the larger improvements in the life expectancy of women indicate a faster dip in the mortality rates of the girl child. Similarly, greater life expectancy gains in the rural sector show that the benefits of higher growth were not restricted to urban areas, as many choose to believe.
 The life expectancy data goes against the grain of current political discourse, where anti-reform propaganda has been fuelled by imaginary worries about entry of foreign firms and greater competition in domestic markets. Political groups looking for populist causes have latched on to dubious ideas that fan suspicion about reform and place it in imagined opposition to ideals of inclusive growth.
 None of this is to deny that the government ought to design policies which make the benefits of reform percolate faster and deeper. The focus has to be on easing the ways of doing business and pushing up investments to enable growth to pick up. Only a substantial enlargement of the manufacturing sector base, by ushering in more flexible labour regulations and improving the supply of a skilled and trained workforce, land and quality infrastructure, can provide employment to the millions who join the workforce each year. The solution, therefore, is more reforms, not less. But the big question remains - will the political class acquiesce?

Indians now live longer, but in poor health in old age: Study

By Kounteya Sinha, TNN | Dec 14, 2012, 01.12 AM IST

 An average Indian man can expect to live for as long as 63 years, while an Indian woman can live 4.5 years longer than her male counterpart.
NEW DELHI: First the good news: Indians are living much longer than they did 40 years ago.

 life expectancy (LE) at birth of an average Indian male has gone up by 15 years between 1970 and 2010, while that of an Indian woman by 18 years.

An average Indian man can expect to live for as long as 63 years, while an Indian woman can live 4.5 years longer than her male counterpart.

However, the number of years they stay healthy is much lesser.

An Indian male can claim to be in good health till he reaches the age of 54.6 years, and is expected to spend the last nine years of his life suffering from various ailments.

On the other hand, when it comes to an average Indian woman, though she is expected to live till 67.5 years, she will remain healthy till 57.1 years - spending over a decade, or 10.4 years in poor health.

 Global Burden of Disease Study, 2010 — the largest ever study to describe the global distribution and causes of a wide array of major diseases, injuries and health risk factors — has found that even though there is reason to cheer over an Indian's increasing lifespan, it is still much shorter than an average Chinese or an American.

An average Chinese male is living 10 years longer than an Indian male, while a Chinese woman is living 11.5 years longer than her Indian counterpart. An average American lives nearly 13 years longer than an Indian.

Published in the most prestigious British medical journal, The Lancet, the study was conducted over five years by 486 authors from over 300 institutes in 50 countries, including India.

A common practice in Indian households - mainly in rural settings of burning wood, coal and animal dung as fuel in chulhas — has proved to be the greatest enemy for Indians.

While globally,
 high blood pressure was the single biggest causative agent of disease, it was indoor air pollution (IAP) for Indians.

 had earlier said that burning solid fuels to prepare their meals emit carbon monoxide, benzene and formaldehyde which can result in pneumonia, asthma, blindness, lung cancer,tuberculosis and low birth weight.

 estimates that pollution levels in rural Indian kitchens are 30 times higher than recommended levels and six times higher than air pollution levels found in the national Capital.

The other threats to normal Indians include diet low in fruits, high blood glucose levels, alcohol use, iron deficiency, sub optimal breast feeding, low physical activity and occupational injuries.

 smoking, including second-hand smoke, caused nearly 6.3 million deaths across the globe. With India being one of the world's major tobacco users, most of these deaths may have happened here.

 back pain — a common phenomenon among Indians — has been found to be the leading cause of years lived with disability (YLD) globally. Pain in the neck along with depressive disorders and iron deficiency anemia made up the top four leading causes of YLD.