Á|üuÛÑT - BSNL Employees Union Andhra pradesh Circle

Licensed to post without prepayment wide License No. Ap/HC-14/W PP/2010-2012 &
Registration No. H-HD-GPO/044/2010-2012
Annual Subscription: Rs. 60/Single Copy: Rs. 5/-
BSNLEU
Tele Light
Publisher: J. SAMPATH RAO Editor: P. ASOKA BABU
House Journal of B.S.N.L. Employees Union,
Andhra Pradesh Circle Branch
Vol. No. - 2
July 2011
Issue - 9
q÷‘·q f…*ø£+ $<Ûëq+ 2011 s¡÷|üø£\Œq ` ÇqŒ¤πsàwüHé
f…ø±ï\J ôd+≥s¡¢ <ë«sê yÓTs¡T¬>’q Á>±MTD J$‘êìøÏ |ü⁄Hê<äT\T
ô|ò&sπÉ wüHé Ä|òt Ä+Á<ÛÁä |ü<X˚ Ÿ #Ûê+ãsY Ä|òt ø±eTsY‡
Ç+&ÉÅd”,º ôd+≥sY |òsü Y f…*ø£+ y˚TH˚CyŸ TÓ +{Ÿ dü&º dû t
eT]j·TT uÛ≤s¡‘· dü+#ês¡ ì>∑+ *$Tf…&,é Ä+Á<ÛÁä |ü<X˚ Ÿ
dü]ÿ˝Ÿ Ä<Ûä«s¡´+˝À 17.5.2011q Á|ü|ü+#· f…*ø£+
eT]j·TT ÇqŒ¤πsàwüHé kıôd’{° ~H√‘·‡e+ dü+<äs¡“¤+>±
ªq÷‘·q f…*ø£+ $<Ûëq+ 2011 s¡÷|üø\
£ Œq`ÇqŒ¤sπ àwüHé
eT]j·TT ø£eT÷´ìπøwüHé f…ø±ï\J\ <ë«sê yÓTs¡T¬>’q
Á>±MTD J$‘êìï kÕ~Û+#·&+É m˝≤?μ nqï n+X¯+ô|’
ôd$THêsY »]–+~.
á ôd$THêsY˝À f…*ø£+ s¡+>∑+˝À Á|üuTÑÛ ‘·«+ rdüT
≈£î+≥Tqï $$<Ûä #·s¡´\qT &çz{Ï ôdÁø£≥Ø l ÄsY.
#·+Á<äX‚KsY Á|ü<Ûëq eø£Ô>± $e]+#ês¡T. nq+‘·s¡+
msTTsYf˝
… ,Ÿ ◊&çj÷· ôd\T´\sY, {≤{≤ f…*ø£+, m.|æ.
ÄHé˝H’… ,é dæõm+ _mdtmHém˝Ÿ bÕ˝§Zq>± ô|’q ù|s=ÿqï
n+X¯+ô|’ #·sá ìs¡«Væ≤+#ês¡T. á ø±s¡´Áø£eT+˝À Ä+Á<Ûä
sêÁwüº ÇqŒ¤sπ àwüHé f…ø±ï\õ eT+Á‹es¡T´\T l bıHêï\
\ø£åàj·T´ bÕ˝§ZHêïs¡T.
á ôd$THêsY˝À eø£\
Ô T Á|ükÕÔ$+∫q f…*ø£+ s¡+>∑
eTTU≤´+XÊ\T`
Y
y˚T HÓ\ 17e ‘êØ≈£îqT 2005 dü+e‘·‡s¡+ <ëø±
Á|ü|ü+#· f…*ø£+ ~H√‘·‡e+>± |ü]>∑DÏ+#˚yês¡T.
Y
Y
Y
Y
Y
1
nsTT‘˚ 2005 ‘·sê«‘· y˚T HÓ\ 17e ‘˚Bì
Á|ü|ü+#· f…*ø£+ eT]j·TT ÇqŒ¤πsàwüHé kıôd’{°
~H√‘·‡e+>± bÕ{ÏdüTÔHêïs¡T.
$<äT´‘·TÔ Ä$wüÿè‘·+ nsTTq ‘·sê«‘· kÕ+πø‹ø£
s¡+>∑+˝À m+‘·>± n_Ûeè~Δ »]–+<√ düe÷C≤ìï
n_Ûeè~Δ #Ó+~q düe÷»+>± r]Ã~<ä›≥+˝À
f…*ø£+ s¡+>∑+ n+‘·>± ñ|üj÷Ó >∑|&ü +ç ~.
uÛ≤s¡‘· <˚X¯ kÕ«‘·+Á‘·´+ qT+&ç #·÷ùdÔ Á|üdTü ‘Ô +·
f…*ø£+ s¡+>∑+˝À y˚sTT s¬ ≥T¢ n_Ûeè~Δ »]–+~.
Áô|’y≥
˚ T f…*ø£+ s¡+>∑|⁄ü Á|üyX˚ +¯ ˝À ªÁ|”ô|sTT&éμ
$<Ûëq+ (eTT+<äT>± &ÉãT“ #Ó*+¢ #˚ $<Ûëq+) e\¢
nH˚ø£ e÷s¡TŒ\T »]>±sTT. kÕ+πø‹ø£ n_Ûeè~Δ
ôd’‘+· n+‘˚ y˚>+∑ >± »]–+~.
Ç|üŒ{Ïø° >ös¡e uÛ≤s¡‘· bÕs¡¢yÓT+≥T düuÛÑT´\
qT+&ç _mdtmHém˝Ÿ≈î£ 5000 ø√≥T¢ ãø±sT÷\T
sêyê*‡ e⁄+~.
f…*ø£+s¡+>∑+˝À uÛ≤s¡‘· <˚X+¯ ˝À m+‘·>± n_Ûeè~Δ
»]–Hê, f…*ø£+ s¡+>∑|⁄ü Øôd]à eT]j·TT &Óe\|t
yÓT+{Ÿs¡+>∑+ #êe⁄ ã‘·T≈£î\ eT<Ûä´ ø=≥Tº
$T{≤º&TÉ ‘√+~. q÷‘·q f…*ø£+ $<Ûëq+ 2011˝À
HÓ’Hê á $wüj·T+˝À Á|ü‘˚´ø£ ÁX¯<äΔ ø£qãsêÃ*‡
Y
Y
Y
Y
Y
Y
Y
e⁄+~.
2020 Hê{ÏøÏ ôd˝Ÿ <ë«sê u≤´+øÏ+>¥ s¡+>±ìï
n_Ûeè~Δ #˚j÷· \qï~ \ø£´å +.
2020 Hê{ÏøÏ nìï Á>±MTD ÁbÕ+‘ê\˝À yÓTTu…˝
’ Ÿ
u≤´+øÏ+>¥ì |üP]ÔkÕúsTT˝À neT\T #˚j÷· *.
|ü≥ºD ÁbÕ+‘ê\˝À f…*ø£+ s¡+>∑|ü⁄ n_Ûeè~Δ
uÛÑ$wü´‘·TÔ˝À n+‘·>± e⁄+&Éø£b˛e#·TÃ. ø£qTø£
uÛ Ñ $ wü ´ ‘· T Ô ˝ À Á>±MTD ÁbÕ+‘ê\ô|’ f… * ø£ +
ø£+ô|˙\T <äèwæº kÕ]kÕÔsTT. Á>±MTD ÁbÕ+‘ê\˝À
Á|üdTü ‘Ô +· f…* &Óì‡{° 30%>± e⁄+~.
Á>±MTD ÁbÕ+‘ê\˝À f…* kÕ+Á<ä‘· ô|s¡T>∑T<ä\
kÕ~Û+#ê\+fÒ e´ekÕj·T+, yÓ’<ä´+, $<ä´,
yÓTTu…’˝Ÿ u≤´+øÏ+>¥ s¡+>±\˝À eT]+‘· <äèwæº
kÕ]ùdÔ ‘·|Œü n_Ûeè~Δ kÕ<Û´ä + ø±<äT.
yÓTTu…’fi¯fl˝À yê&˚ n|æ¢πøwüqT¢ kÕúìø£ uÛ≤wü\˝À
e⁄+&˚˝≤ #·÷&É≥+ eT÷\+>± ≈£L&Ü Á>±MTD
ÁbÕ+‘ê\˝À f…*ø£+ s¡+>∑|ü⁄ n_Ûeè~Δ kÕ~Û+#·
e#·TÃ.
uÛ≤s¡rj·T f…*ø£+ s¡+>∑+˝À yÓTTu…’fi¯fl˝À yê&˚
n|æ¢πøwüq¢˝À n+‘·>± n_Ûeè~Δ ˝Ò<äT. f…*ø£+
s¡+>∑+˝Àì kÕ+πø‹ø£ ì|ü⁄DT\T á $wüjT· +˝À
<äèwæº kÕ]+#ê*‡q nedüs+¡ e⁄+~.
$<˚o kÕ+πø‹ø£ |ü]ø£sê\ MT<ä Ä<Ûës¡|ü&É≥+
Y
Y
Y
Y
Y
ø±≈£î+&Ü, dü«<˚X¯ f…*ø£+ |ü]ø£sê\ ‘·j·÷Øô|’
<äèwæº øπ +ÁBø£]+#·&+É <ë«sê $<˚o e÷s¡øÁ£ <äyê´ìï
Ä<ë #˚dTü ø√e#·TÃ. uÛ≤s¡‘<· X˚ ¯ s¡øD
å£ ≈£î eT]+‘·
uÛsÑ √kÕ ø£*Œ+#·e#·TÃ.
yÓTTu…’fi¯fl <ë«sê n‘·T´‘·ÔeT kÕúsTT uÀ<ÛäHê
e´edüqú T s¡÷bı+~+∫ $<ë´s¡+>∑|⁄ü n_Ûeè~ΔøÏ
<√Vü≤<ä+ #˚jT· e#·TÃ.
Á|ü‹ |ü˝…¢˝Àì |ü+#êsTTr Ä|ò”düT≈£î Áu≤&é
u≤´+&é/ Ç+≥¬sï{Ÿ ø£HøÓ q£̧ T Çyê«\H˚ Á|üuTÑÛ ‘·«
Á|ü‹bÕ<äq sêuÀj˚T ø=~› HÓ\\˝À <˚Xy¯ ê´|ü+Ô >±
|üPs¡Ôe⁄‘·T+~.
yÓTTu…’˝Ÿ s¡+>∑+ n_Ûeè~Δ‘√ |ü_¢ø˘ ø±˝Ÿ Ä|ò”dt
(|ædzæ ) e´edü,ú ˝≤´+&é˝H’… é e´edüú ‘·>T∑ eZ TTK+
|ü&ÉT‘√+~.
˝≤+&é˝H’… é <ë«sê Áu≤&éu≤´+&é ø£HøÓ q£̧ T¢ Á|üdTü ‘Ô +·
<˚Xy¯ ê´|ü+Ô >± øπ e\+ 3% e÷Á‘·yT˚ e⁄HêïsTT. á
ø£HøÓ q¸£ q¢ T 70% #˚sá >∑*>π \øå±´ìï n+<äTø√>∑*‘Z ˚
‹]– ˝≤´+&é˝q’… T¢ ô|s¡T>∑T‘êsTT.
Á|üdüTÔ‘·+ yÓTTu…’fi¯fl <ë«sê yêsTTdt f…ø±ï\Jì
e÷Á‘·yT˚ yê&ÉTø√>∑\T>∑T‘·THêï+. M&çj÷Ó &Ü{≤
˝≤+{Ï Ç‘·s¡ f…ø±ï\J\qT ≈£L&É yê&ÉTø√>∑*>π ˝≤
#˚ j · T >∑ * –‘˚ eT]+‘· Ä<ëj· ÷ ìï f… * ø£ +
ø£+ô|˙\T düeT≈£Ls¡TÃø√>∑\T>∑T‘êsTT.
$\TyÓq’ dü˝ú ≤\qT, uÛeÑ Hê\q÷ ‘·q e<˚› ñ+#·T≈£î+{≤eT˙, _mdtmHém˝Ÿ≈î£
Çe«eT˙ f…*ø£+ XÊK ù|s=ÿq≥+ ô|’ 8.6.2011q C≤sTT+{Ÿ j·÷ø£̧Hé ø£$T{° ø±ˆˆ
$.m.mHé. q+ã÷~] kÕs¡<´äÛ +˝À dæm+&ç l ÄsY.ø¬ . ñbÕ<Ûë´jYTì ø£*dæ ‘·eT
ìs¡dqü qT ‘Ó*j·TCÒd+æ ~.
n_Ûq+<äq...
eTTbÕŒfi¯fl f…*bò˛qT mπøä+õ (>∑T+≥÷s¡T mdtmdt@)˝À f…*ø£+ yÓTø±ìø˘>± |üì#˚dTü qÔ ï m+.$.mdt.eT÷]Ô>±]
≈£îe÷¬sÔ ≈£îe÷] Væ≤eT» yÓT&çø˝£ Ÿ m+Á≥Hé‡ |üØø£˝å À 160 e÷s¡Tÿ\≈£î 158 e÷s¡Tÿ\T ‘Ó#T· Ãø=ì ùdº{Ÿ |òdü ºt
sê´+ø˘ kÕ~Û+∫+~. _mdtmHém˝Ÿ m+bÕ¢sT÷dt j·T÷ìj·THé Ä+Á<ÛÁä |ü<X˚ Ÿ dü]ÿ˝Ÿ ÄyÓTqT, ÄyÓT ≈£î≥T+u≤ìï
n_Ûq+~k˛Ô+~.
2
_mdtmHém˝Ÿ |ô ’ |Á uü TÑÛ ‘·« ≈£î≥Á
2007 qT+&ç 2010 ˝À>± _mdtmHém˝Ÿ 30
$T*j·THé ˝…q’ q¢ T e÷Á‘·yT˚ @sêŒ≥T #ÓjT· ´>∑*–+~.
Ç<˚ düeTj·T+˝À msTTsYf…˝Ÿ 90 $T*j·Tq¢ ˝…’q¢qT
@sêŒ≥T #˚dTü ø√>∑*–+~. <˚X+¯ ˝À n‘·´+‘· ˝≤uÛ<Ñ ëj·T
ø£yTÓ qÆ Ä+Á<ÛÁä |ü<X˚ ,Ÿ ‘·$Tfi¯Hê&ÉT, >∑T»sê‘Y, eTVü‰sêÅwüº
yÓTT<ä˝q’… dü]ÿ˝Ÿ‡˝À _mdtmHém˝Ÿ ø=‘·Ô #·+<ë<ës¡T&çï
bı+<ä˝øÒ b£ ˛sTT+~. n<äq|ü⁄ õmdtmyYT |ü]ø£sê\T ˝Òø£
b˛e&Éy˚T Ç+<äT≈£î ø±s¡D+. H˚&ÉT _mdtmHém˝Ÿ
Áø£eT+>± b˛{° qT+&ç y…’<=\>∑T‘√+~. düeTs¡Δ‘· ˝Òø£
b˛e&É+ Ç+<äT≈£î ø±s¡D+ ø±<äT. f…*ø£yTY XÊK, j·TT|æm
Á|üuTÑÛ ‘·«+ ñ<˚X› ¯ |üPs¡«ø£+>± nqTdü]+∫q $<ÛëHê˝Ò
Ç+<äT≈£î ø±s¡D+. Á|üuTÑÛ ‘·« s¡+>∑ dü+düú _mdtmHém˝ŸqT
Á|üuTÑÛ ‘·«y˚T ˇø£ |ü<øä∏ +£ Á|üø±s¡+ <Óã“rdüTqÔ ï~.
n‘·´+‘· ns¡T<Ó’q C≤rj·Teq¬s’q ôdŒÅø£ºyYTqT
m+‘· ø±s¡T#Íø£>± ã&Ü ô|≥Tºã&ç<ës¡T\≈£î <Ûësê<ä‘+Ô·
#˚XÊs√ 2õ ≈£î+uÛøÑ √D+˝À #·÷XÊeTT. á ≈£î+uÛøÑ √D+
˝À ]\jÓTHé‡, j·T÷ìf…ø˘, {≤{≤dt e+{Ï dü+düú\
bÕÁ‘·ô|’ Ç|üŒ{Ïπø MT&çj·÷˝À |ü⁄+U≤qT|ü⁄+U≤\T>±
ø£<Hä∏ ê\T e#êÃsTT. á dü+dü\
ú T ø=ìï sê»ø°jT· bÕغ\T,
e´≈£î\
Ô ‘√ düìïVæ≤‘· dü+ã+<Ûë\qT ø£*– ñqï≥T¢ ≈£L&Ü
Ä ø£<Hä∏ ê\T ‘Ó*j·TCÒdTü HÔ êïsTT. &ç_ ]j·÷©ºd,t &çm+¬ø
n<Û´ä ≈£îå &ÉT ø£sT¡ D≤ì~Û ≈£îe÷¬sÔ ø£ìyÓTT[, X¯s<¡ |é yü êsY‘√
düìïVæ≤‘·+>± e´eVü≤]+#˚ cÕVæ≤<é ã˝≤« ù|s¡T¢ ø=~›
ø±\+>± Á|ü#ês¡+˝À ñHêïsTT. á ù|s¡T¢ H˚&ÉT ãVæ≤
s¡+>∑+>± Á|ükÕÔeq≈£î edüTHÔ êïsTT.
ôdŒÅø£yº TY øπ {≤sTT+|ü⁄‘√H˚ 2õ ≈£î+uÛøÑ √D+ |üP]Ô
ø±˝Ò<Tä . eTÚ*ø£ eqs¡T\ s¡+>∑+˝À ô|≥Tºã&ÉT\T ô|fÒº
ÄdüøÔÏ kÕ«Hé, ]\jÓTHé‡, Ç‘·s¡ dü+dü\
ú ≈£î ˝Ò<Tä . ‘·eT
ùws¡q¢ T $Áø£j÷· ìøÏ ô|fÒeº TT+<äT kÕ«Hé >±˙ j·T÷ìf…ø˘
>±˙ eTÚ*ø£ s¡+>∑+˝À ô|{Ϻq ô|≥Tºã&ÉT\T ø£ìwüº
kÕúsTT˝ÀH˚ ñHêïj·Tì ø±>¥ Á<ÛTä Mø£]+∫+~. eT] Ä
dü+düú\T @ $<Ûä+>± #·+<ë<ës¡T\qT dü+bÕ~+#·
>∑*>±jÓ÷, ùde\qT ÁbÕs¡+_Û+#êjÓ÷ yê{Ïøπ ms¡Tø£.
ª$TÁ‘·|øü μå£ ø£+ô|˙\≈£î düV‰ü j·T|ü&+˚ <äT≈£î Çø£ÿ&˚
sêC≤ eTs√kÕ] s¡+>∑+˝ÀøÏ e#êÃs¡T. Äj·Tq Ä ø£+ô|˙
Á|ü;sY |ü⁄s¡ø±j·Tdüú
\≈£î nÁø£eT+>± ˝…ô’ dHé‡\T eT+ps¡T #˚XÊs¡T. eTÚ*ø£
eqs¡T\T |üP»´yÓTqÆ á ø£+ô|˙\≈£î s√$T+>¥ düØ«düT
\qT ø£*Œ+#ê\ì Äj·Tq Á|üuTÑÛ ‘·«s¡+>∑+˝Àì _mdt
mHém˝Ÿ dü+düqú T Ä<˚•+#ês¡T. s√$T+>¥ n+fÒ ‘êeTT
˝…’ôdHé‡ bı+~q ÁbÕ+‘ê˝À¢˝Òì Ç‘·s¡ ø£+ô|˙\≈£î
#Ó+~q U≤‘ê<ës¡≈¢ î£ ùde\T n+~+#˚ kÕ<Ûës¡D düØ«düT
ø±<äT. ø£+ô|˙\ ˝…’ôdHé‡ bı+~q |ü]~Û˝Àì Äj·÷
ø£+ô|˙\ U≤‘ê<ës¡T\≈£î ≈£L&Ü n+~+#˚ düØ«düT.
n+fÒ, á ø£+ô|˙\T ‘·eTø£+≥÷ Á|ü‘˚´ø£+>± ôd˝Ÿ‡
˝Ò<ë ≥esY‡ ì]à+#·≈£î+&ÜH˚ _mdtmHém˝Ÿ eTÚ*ø£
eqs¡T\qT ñ|üj÷Ó –+#·Tø√e#·TÃ. sêC≤ H˚‘è· ‘·«+˝Àì
f…*ø£+ $uÛ≤>∑+ _mdtmHém˝Ÿ≈î£ H˚sT¡ >± |ü+|æq ñ‘·sÔ T¡ «
|ò*ü ‘·+>±H˚ á |ü]dæ‹ú @s¡Œ&ç+~. ø=‘·>Ô ± Á|üy•˚ +∫q
@ ø£+ô|˙øÏ Ç≥Te+{Ï ùde\+~+#ê\ì @ Ç‘·s¡
f…*ø£+ dü+düú≈£î f…*ø£+ XÊK Ä<˚XÊ\T C≤Ø #Ój·T´
˝Ò<äT.
_mdtmHém˝Ÿ≈î£ qwüº+ ø£*–+#˚ Ø‹˝À eqs¡T\
$ìjÓ÷>∑+
eTs√ ø£+ô|˙øÏ eTÚ*ø£ edü‘·T\T ø£*Œ+#ê\ì
ˇø£ ø£+ô|˙ì Ä<˚•+∫q dü+<äs¡“¤+ eTÚ*ø£ eqs¡T\
s¡+>∑+˝À Ç+‘·≈£îeTT+<Óqï&É÷ #√≥T#˚düTø√˝Ò<äT.
≥esY‡qT |ü+#·Tø√yê\ì sêC≤ Ä<˚•+#ês¡T. ñeTà&ç
≥es¡¢ øπ {≤sTT+|ü⁄ ø=‘·Ô $wüjT· + @MT ø±<äT. Ä ≥es¡¢
ô|’ Á|ü‹ ø£+ô|˙ ‘·eT ôd˝Ÿ‡qT @sêŒ≥T #˚dTü ≈£î+≥T+~.
b˛{°<ës¡T≈£î |üP]Ô kÕúsTT˝À eTÚ*ø£ edü‘T· \T ø£*Œ+
#·&É+, ˇπø ‘·s¡Vü‰ s√$T+>¥ düØ«dtqT n+~düTÔqï≥T¢
ÁuÛ$Ñ T+|ü #ÓjT· ´&É+ n+fÒ ˇø£ ø£+ô|˙ eqs¡T\qT b˛{°
<ës¡T ø£+ô|˙øÏ n+~+#·&yÉ T˚ . _mdtmHém˝Ÿ eqs¡T\qT
]\jÓTHé‡, kÕ«Hé, Ç‘·s¡ ø£+ô|˙\ ø±s¡´ø£˝≤bÕ\≈£î $ì
jÓ÷–+#·&É+ _mdtmHém˝Ÿ Á|üjÓ÷»Hê\≈£î #˚≥T
‘ÓdTü +Ô ~. ‘êeTT ≈£L&Ü düØ«düT\qT ÁbÕs¡+_Û+#êeTì,
U≤‘ê<ës¡T\qT ≈£L&Ü dü+bÕ~+#·T≈£îHêïeTì Á|üø{
£ +Ï
#·Tø√e&É+ e\¢ j·T÷ìf…ø,˘ kÕ«Hé e+{Ï dü+dü\
ú T ‘·eT
ùws¡¢qT n‘·´~Ûø£ <Ûäs¡\≈£î $Áø£sTT+#·Tø√>∑\T>∑T
3
‘·THêïsTT. Çe˙ï _mdtmHém˝Ÿô|’H˚ |üP]Ô>± Ä<Ûës¡|&ü TÉ
‘·THêïsTT. _mdtmHém˝Ÿ ø±]àø£ dü+|ò÷ü \T á $wüj÷·
\qT Á|ü<ëÛ ì, f…*ø£yTY eT+Á‹‘√ nH˚ø£ e÷s¡T¢ Á|ükÕÔ$+
#êsTT. nsTT‘˚ m≥Te+{Ï ñ|üjÓ÷>∑+ ø£\>∑˝Ò<äT.
kÕ«Hé, Ç‘·s¡ ø£+ô|˙\≈£î düV‰ü j·T|ü&+˚ <äT≈£î sêC≤ rdüT
≈£îqï Ç≥Te+{Ï $T‹MT]q #·s´¡ \qT dæ_◊ >∑T]Ô+#·
>∑\T‘·T+<äì Ä•<ë›+. Ç+<äTe\¢ 2õ ˝…ô’ dHé‡ eT]+‘·
$\Te dü+‘·]+#·T≈£î+~. n≥Te+{Ï ôdŒÅø£yº TY qT ø±s¡T
#Íø£>± $Áø£sTT+#·&+É n+fÒ Á|ü»\ eqs¡T\qT ã&Ü
ô|≥Tºã&ç<ës¡T\≈£î ã~© #ÓjT· ´&ÉyT˚ . Ç‘·s¡ f…*ø£yTY
ø£+ô|˙\≈£î dü_“&û Çe«&É+ n+fÒ _mdtmHém˝ŸqT
‘·≈î£ ÿe ˝≤uÛ<Ñ ëj·Tø£+>± e÷]à n+‹eT+>± U≤sTT˝≤
|ü&˝
˚ ≤ #ÓjT· ´&ÉyT˚ . Ç˝≤ #ÓjT· ´&ÉeT+fÒ ˇø±H=ø£|ü &ÉT
\ø£˝
å ≤~ ø√≥¢ s¡÷bÕj·T\ $\TeCÒùd _mdtmHém˝ŸqT
qcÕº\ }_˝ÀøÏ HÓ≥&º yÉ T˚ . n+‹eT+>± _mdtmHém˝Ÿ
ñìøÏì <Óã“rdæ ‘·≈£îÿe yÓTT‘êÔìøÏ $Áø£sTT+#ê\ì
#·÷&É&yÉ T˚ . sêC≤ |üs´¡ y˚øD
å£ ˝À á Á|üuTÑÛ ‘·«+ Ç+‘·{Ï
ùV≤j·TyÓTqÆ #·s´¡ \≈£î bÕ\Œ&ç+~. á $wüjT· +˝À ø£|˝
æ Ÿ
dæu≤˝Ÿ Ç+<äT≈£î _Ûqï+>± e´eVü≤]kÕÔsê, ˝Ò<ë nqï
$wüj÷· ìï y˚∫#·÷&Ü*.
eTÚ*ø£ eqs¡T\qT Ç‘·s¡ f…*ø£yTY ø£+ô|˙\≈£î
n+~+#ê\ì Ä<˚•+#·&yÉ T˚ ø±<äT, ø=‘·Ô |ü]ø£sê\ ø=qT
>√\T ø√dü+ Äs¡s¶ T¡ ¢ ô|≥º≈L£ &É<ìä , ø=‘·Ô U≤‘ê<ës¡T\qT
dü M Tø£ ] +#· s ê<ä ì ≈£ L &Ü _mdt m Hé m ˝Ÿ q T sêC≤
Ä<˚•+#ês¡T. 2006˝À U≤‘ê<ës¡T\ $wüj·T+˝À
msTTsYf˝
… ,Ÿ _mdtmHém˝Ÿ eT<Û´ä rÁe b˛{° ñ+&˚~.
ˇø=ÿø£ÿ dü+düú 20 $T*j·THé ˝…’q¢qT @sêŒ≥T #˚düT
≈£îHêïsTT. f…*ø£+ eT+Á‹>± u≤<Ûä´‘·\T d”«ø£]+∫q
‘·sT¡ yê‘· n<äq+>± 45.5 $T*j·THé ˝…q’ ¢ @sêŒ≥T≈£î
|æ*∫q f…+&ÉsqY T s¡<Tä › #˚kÕÔqì Äj·Tq _mdtmHém˝Ÿ
qT u…~]+#ês¡T. á ø±+Á{≤≈£îº Ç+‘·≈£îeTT+<äT Ä
XÊU≤ eT+Á‹>± ñqï <äj·÷ì~Û e÷s¡Hé Vü≤j·÷+˝À
Ä dü+düú bı+~+~. _mdtmHém˝Ÿ ñ<√´>∑T\T M<ÛTä ˝À¢øÏ
e∫à b˛sê≥+ ÁbÕs¡+_Û+#·&É+, yêeT|üøå±\T á
$wüj·T+ô|’ <äèwæº ô|≥º&É+‘√ Äj·Tq nsTTwüº+>±H˚
Äs¡¶sYqT nqTeT‹+#ês¡T. nsTT‘˚ <ëìì j·÷uÛ…’
XÊ‘êìøÏ ø£‹Ô]+#ês¡T. á H˚|ü<∏ä´+˝À 2007 qT+&ç
2010 ˝À>± _mdtmHém˝Ÿ 30 $T*j·THé ˝…’q¢qT
e÷Á‘·yT˚ @sêŒ≥T #ÓjT· ´>∑*–+~. Ç<˚ düeTj·T+˝À
msTTsYf…˝Ÿ 90 $T*j·Tq¢ ˝…’q¢qT @sêŒ≥T #˚düTø√
>∑*–+~. <˚X¯+˝À n‘·´+‘· ˝≤uÛÑ<ëj·Tø£yÓTÆq Ä+Á<Ûä
Á|ü<˚XŸ, ‘·$Tfi¯Hê&ÉT, >∑T»sê‘Y, eTVü‰sêÅwüº yÓTT<ä˝…’q
dü]ÿ˝Ÿ‡˝À _mdtmHém˝Ÿ ø=‘·Ô #·+<ë<ës¡T&çï bı+<ä˝øÒ £
b˛sTT+~. n<äq|ü⁄ õmdtmyYT |ü]ø£sê\T ˝Òøb£ ˛e&ÉyT˚
Ç+<äT≈£î ø±s¡D+. H˚&TÉ _mdtmHém˝Ÿ Áø£eT+>± b˛{°
qT+&ç y…<’ =\>∑T‘√+~. düeTs¡‘Δ · ˝Òøb£ ˛e&É+ Ç+<äT≈£î
ø±s¡D+ ø±<äT. f…*ø£yTY XÊK, j·TT|æm Á|üuTÑÛ ‘·«+ e⁄<˚X› ¯
|üPs¡«ø£+>± nqTdü]+∫q $<ÛëHê˝Ò Ç+<äT≈£î ø±s¡D+.
Á|üuTÑÛ ‘·« s¡+>∑ dü+düú _mdtmHém˝ŸqT Á|üuTÑÛ ‘·«y˚T ˇø£
|ü<øä∏ +£ Á|üø±s¡+ <Óã“rdüTqÔ ï~.
Á|üuTÑÛ ‘·« KC≤Hê \÷{°
|ü]ø£sê\qT ùdø£]+#·&É+˝À _mdtmHém˝Ÿô|’
Ç‘·s¡ Ä+ø£\
å T ≈£L&Ü nH˚ø+£ ñHêïsTT. uÛÁÑ <ä‘ê ø±s¡
D≤\ Ø‘ê´ #ÓH’ ê |ü]ø£sê\qT ø=qT>√\T #˚ùd $wüjT· +
˝À _mdtmHém˝Ÿô|’ ìùw<Û+ä $~Û+#ês¡T. f…*ø£+ |ü]
ø£sê\ eT÷\ ø√&éqT _mHémHém˝Ÿ≈î£ øπ {≤sTT+#ê\ì
f…*ø£+ XÊK, ¨+XÊK Ä<˚•+#êsTT. uÛÁÑ <ä‘ê ø±s¡D≤\
Ø‘ê´ á Ä<˚XÊ\T C≤Ø #˚XÊs¡T. ˇø£ÿ #ÓH’ ê ñ‘·Œ‹Ô
<ës¡T\T e÷Á‘·y˚T á wüs¡‘·T≈£î ø£≥Tºã&ç e´eVü≤
]+#˚+<äT≈£î n+^ø£]+#ês¡T. Á|üuÛÑT‘·«+ $~Û+∫q
¬s+&ÉT uÛÑÁ<ä‘ê|üs¡yÓTÆq ìã+<Ûäq\qT dü+‘·è|æÔ|üs¡#·ì
@ Ç‘·s¡ |üø+å£ qT+&ç _mdtmHém˝Ÿ |ü]ø£sê\qT ø=qT
>√\T #ÓjT· ´≈£L&É<Tä . á Ä+ø£\
å T ˇø£ÿ _mdtmHém˝Ÿøπ
e]ÔkÕÔsTT. eTπs Ç‘·s¡ f…*ø£yTY dü+dü≈ú L£ ø±<äT.
nedüs¡yÓTÆq kÕúsTT˝À ‘·q ø±s¡´ø£˝≤bÕ\qT
$düÔ]+#˚+<äT≈£î n<äq|ü⁄ |ü]ø£sê\qT ø=qT>√\T
#˚ùd+<äT≈£î _mdtmHém˝Ÿ≈î£ nqTeT‹ Çe«&É+ ˝Ò<Tä .
n+‘· ˝≤uÛ<Ñ ëj·Tø£+ ø±˙ ˝Ò<ë qbÕº\T e#˚Ã Á>±MTD
ÁbÕ+‘ê\≈£î #˚sT¡ ≈£îH˚+<äT≈£î Á|üsTTy˚≥T uÛ≤>∑kÕ«eTT\T
düTeTTK‘· #·÷|ü&+É ˝Ò<Tä . yêDÏ»´|üs+¡ >± ˝≤uÛ<Ñ ëj·T
ø£yTÓ qÆ , n~Ûø£ Ä<ëj·T+ e#˚à ÁbÕ+‘ê\ô|’ e÷Á‘·yT˚ n$
ÄdüøÔÏ #·÷|ü⁄‘·THêïsTT. &çe÷+&é y˚Ts¡≈î£ düØ«düT n+~+
#˚+<äT≈£î ‘·eT ìπs›•‘· ˝…’ôdHé‡ bı+~q ÁbÕ+‘ê˝À¢
me]¬ø’Hê Á|üsTTy˚≥T Ä|üπs≥s¡T¢ düØ«düT\qT $~Û>±
4
n+~+#ê*‡ ñ+~. Á>±MTD ÁbÕ+‘ê˝À¢ f…*bò˛Hé
düØ«düT\qT n+<äTu≤≥T˝ÀøÏ rdüT≈£îe#˚à ñ<˚X› +¯ ‘√H˚
|òø¬æ ‡&é ˝…H’ é düØ«düT˝À¢ Á|üsTTy˚≥T Ä|üsπ ≥s¡≈¢ î£ neø±X¯+
ø£*Œ+#ês¡T. Ç|üŒ{Ïø° ≈£L&Ü Á|üsTTy˚≥T Ä|üπs≥s¡T¢
HêeTe÷Á‘·|⁄ü n|üsê<Ûä düT+ø±ìï #Ó*+¢ ∫ qcÕº\T e#˚Ã
Á>±MTD ÁbÕ+‘ê\≈£î ùde\+~+#·&+É ˝Ò<Tä . Á>±MTD
ÁbÕ+‘ê˝À¢ì U≤‘ê<ës¡T\≈£î ùde\+~düTÔqï @¬ø’ø£
ø£+ô|˙>± _mdtmHém˝Ÿ≈£î j·÷¬ø‡dt &Ó|òædæ{Ÿ #ÛêsY®qT
øπ {≤sTT+#˚ $wüj÷· ìï Á{≤jYT |ü]o*+∫+~. nH˚ø£
dü+e‘·‡sê\bÕ≥T Bìô|’ Á|üuTÑÛ ‘·«+ ø√‘· $~Û+∫ n+‹
eT+>± j·T÷ìes¡Ù˝Ÿ düØ«dt Ä_¢>π wüHé |ò+ü &é‘√ $©q+
#˚d+æ ~. á ˝…Mì nìï f…*ø£yTY ø£+ô|˙\T #Ó*k¢ ÕÔsTT.
H˚&ÉT Á|ü»\ eTT+<äTqï Á|üX¯ï ˇø£fÒ. qcÕº˝À¢
≈£Ls¡T≈£îb˛j˚T dü+düú>± _mdtmHém˝ŸqT ~>∑C≤]Ã
Áô|’y˚{°ø£]ùdÔ Á>±MTD ÁbÕ+‘ê˝À¢ì U≤‘ê<ës¡T\≈£î
düØ«düT\T n+<äTu≤≥T˝À ñ+{≤j·÷, yê]øÏ ø=‘·Ô
ø£HÓø£åqT¢ \_ÛkÕÔj·÷? _mdtmHém˝ŸqT á $<Ûä+>±
qcÕº\bÕ˝Òj
® T· &É+ <ë«sê $\Ty…q’ Á|üuTÑÛ ‘·« eqs¡TqT
Á|üuTÑÛ ‘·«+ ø√˝ÀŒe&É+ ˝Ò<ë?
‘·q b˛{°<ës¡T\≈£î eTÚ*ø£ edü‘·T\T ø£*Œ+∫
Áb˛‘·‡Væ≤+#˚ |ü]dæú‹ ˇø£ÿ _mdtmHém˝Ÿπø |ü]$T‘·+
ø±<äT. Ç+&çjT· Hé msTTsY˝H’… ‡é , msTTsY Ç+&çj÷· ˝Àq÷
Ç<˚ |ü]dæ‹ú HÓ\ø=ì ñ+~. Á|üsTTy˚≥T s¡yêD≤<ës¡T\
Á|üj÷Ó »q+ ø£*>π ˝≤ msTTsY Ç+&çj÷· y˚TH˚CyŸ TÓ +{Ÿ,
bÂs¡ $e÷qj·÷q XÊK e´eVü≤]k˛Ô+<äì ô|’\≥T¢ $eT
]Ù+#ês¡T. ˝≤uÛÑ<ëj·Tø£yÓTÆq e÷sêZ\qT Á|üsTTy˚≥T
dü+dü\
ú ≈£î n|üŒ–+#·&+É ‘√bÕ≥T düØ«düT\ dü+K´qT
‘·–Zk˛Ô+<äì yês¡T ù|s=ÿHêïs¡T. n+‘˚ø±≈£î+&Ü qwüº+
e#˚à e÷sêZ˝À¢ düØ«düT\qT ìs¡«Væ≤k˛Ô+<äì yês¡T
$e]+#ês¡T. _mdtmHém˝Ÿ ‘·sV¡ ‰ü ˝À ‘·eT eqs¡T\qT
Ç‘·s¡ dü+düú\‘√ |ü+#·Tø√yê\ì ‘=\T‘· msTTsY
Ç+&çj÷· , Ç+&çjT· Hé msTTsY˝H’… ‡é qT Á|üuTÑÛ ‘·«+ Ä<˚•+
∫+~. ˇø£ Á|üsTTy˚≥T msTTsY˝H’… ‡é ˝À Á|ü|⁄üò ˝Ÿ |üf˝
Ò ≈Ÿ î£
ùws¡TH¢ êïj·Tì sê&çj÷· fÒ|⁄ü \T düŒwü+º #˚XÊsTT.
2õ ôdŒÅø£yº TY ≈£î+uÛøÑ √D+˝À sêC≤, ø£ìyÓTT[ n¬s
düsº TT ñ+&Ée#·TÃ. nsTT‘˚ Ç≥Te+{Ï øπ düT\T nH˚ø+£
ñHêïsTT. Ç+<äT≈£î dü+ã+<Û+ä ñqïyê]ô|’ Á|üuTÑÛ ‘·«+
#·s´¡ \T rdüTø√e&É+ ˝Ò<Tä . eTH√àVü≤Hé dæ+>¥ Á|üuTÑÛ ‘·«+
<äèwæº˝À Ç<ä+‘ê Á|üC≤ dü+ã+<Ûë\≈£î dü+ã+~Û+∫q
n+X¯+. ns¡T<Óq’ C≤rj·T eqs¡T\T ô|≥Tºã&çesêZ\≈£î
ã~© ne⁄‘·THêïsTT. Ç≥Te+{Ï <√|æ&ìû j·T<∏#
˚ ÷ >¤ ±
ø=qkÕ–dü÷HÔ ˚ ‘·q Á|ü‹wü≈º î£ uÛ+Ñ >∑+ ø£\>∑ ≈£î+&Ü m˝≤
eTdæ|Pü dæ e÷πs&ÉT ø±j·T #Ój÷· ´\H˚ <ëìô|’H˚ Äj·Tq,
nj·Tq eT+Á‹es¡Z düV≤ü #·sT¡ \T <äèwæº kÕ]düTHÔ êïs¡T. á
Á|üuTÑÛ ‘ê«ìøÏ ø±e*‡+~ Á|ü‹wüº yêdüyÔ ê\T ø±<äT. Ç<˚
eTq <˚X+¯ , Á|ü»\≈£î |ü{qºÏ <Ísꓤ>´∑ +.
$$<Ûä f…*ø£+ ø£+ô|˙\˝À $<˚o |
Á ‘ü ´· ø£å ô|≥Tºã&ÉT\T
FDI (FOREIGN DIRECT INVESTMENT) IN SOME INDIAN TELECOM COMPANIES
Sl.No.
Name of the Company
Name of the Country
Activities
FDI
1.
Bharti Airtel
FIIs Mauritius / FIIs /
OCBs / NRIs
CMTS
74%
2.
Idea Cellular Ltd.
FIIs / FVCIs
CMTS
74%
3.
Tata Teleservices
Japan
Telecom Services
26%
4.
Vodafone Essar
Netherlands
CMTS and UASL
74%
5.
Reliance Communication
Pvt. Ltd.
GDR
CMTS
74%
6.
Sistema Shyam Teleservices
Russia
UASL
74%
7.
Spice Communications
Mauritius
CMTS
74%
As per DoT website during the period 1-4-2000 to 31-8-2010 the amount of Foreign Direct Investment in Indian telecom sector is Rs. 45495 crores.
5
z]j·T+≥˝Ÿ u≤´+ø˘ Ä|òt ø±eTsY‡ Ç#˚à ãTTD≤\T ` yê{Ï $esê\T ` á ˇ|üŒ+<ä+ 5.4.2012 es¡≈î£ neT\T˝À ñ+≥T+~
RETAIL CREDIT SCHEME GENERAL TERMS & CONDITIONS
The various kinds of loans along with the general terms and conditions are mentioned below:
Loan
Purpose
Housing
Purchase of Plot, purRs. 30.00 lacs for
chase of flat from
purchase of flat/
Housing Board/ Deveconstruction/addition
lopment agency/private etc. For purchase of
builders/construction of plot, 50% of the eligihouse/repairs/renovable Loan amount &
tion/addition/alteration Rs. 10.0 lacs for
of house/flat
renovation
Upto Rs.20 lacs 100 times of
- 15%
basic pay
Above Rs. 20
Lacs - 25%
240 EMIs for Employees
construction/ in regular
purchase of service
Home/Flat/
Plot & 120
EMIs for
Renovation
Car
Purchase of Motor Car
(new / used)
90% of cost Subject
to Max. Rs. 10 lacs
for New Cars &
Rs. 7.5 lacs for
old cars
10% (New Car) 20 times of
& 30% (Old Car) basic pay
60 EMI for
new cars, for
Old Cars 60
EMIs (If car
3 years old)
& 36 EMIs
(If the car is
5 years old)
Minimum
Gross pay
Rs. 10,000
per month
with 1 year
of confirmed
service
Two
Wheelers
Purchase of scooter/
motor cycle/moped
90% of cost including 10%
registration, insuraance etc. subject to
maximum Rs. 50,000
5 times of
Basic Pay
Max 60
installments
Minimum
gross salary
Rs.6000 pm
& 1 year of
confirmed
service
Personal
Loan
Any miscellaneous
requirement/contingency except for
speculation
A) Rs. 1.50 Lac
B) Rs. 30 lacs if
salary a/c is with
Bank
NA
A) Upto 15
15 months
not take
home salary,
subject to
maximum of
Rs. 1.50 lac
B) Upto 20
months not
take home
salary, subject to max.
of Rs. 3.0
lacs, if salary
a/c is with
Bank
60 EMI
(subject to
remaining
period of
service)
1. Permanent and
regular
employees
of BSNL
2. Minimum
3 years of
service
including
serivce with
the previous
employer(s)
Govt. if any
Rs. 10.000 lacs for
studying in India &
Rs. 20,000 lacs
for studying abroad
Upto Rs. 4.00
lacs - NIL above
Above 4 lacs
-5% (India) &
15% (abroad)
As per fee
component
of the institute
120
installments
Confirmed
admission
to Govt./
Regulatory
(AICTE/
UCG etc.)
approved
institutes
Education To finance the study
of family members in
India and abroad
Natural
Calamity
Loan
Maximum Loan
Ceiling
Margin
Eligible
Loan
Amount
No. of
Eligibility
Instalments
(EMI)
To the affected emplo- The Bank shall immediately devise suitable scheme if the unfortunate need so
yees of BSNL in
arises, taking into account the specific circumstances of the calamity, in the
natural calamities areas affected area.
6
Notes:
1.
The recovery of housing loan will start not later than 18 months from the date of first disbursement or
immediately from the next month after completion of the house flat, whichever is earlier.
2.
The recovery of education loan will start after six months from the date of completion of the course or
getting employment of the child whose studies have been financed through loan, whichever is earlier.
3.
Loanees can fore-close the loan account without any foreclosure charges.
4.
The interest will be charged on reducing balances of loan on day-to-day basis.
5.
No processing charges will be levied by bank.
6.
Amount of the loan will be as per eligibility and maximum loan ceiling as detailed above. However, the
bank can give loan for a lesser amount also at its own discretion.
7.
Borrowing capacity of the borrower shall be considered at the time of the sanction of the loan.
8.
Employees desiring to avail loans will furnish their Employee / PF No. duly certified by their Staff Department.
INTEREST RATES FOR VARIOUS RETAIL CREDIT LOANS
As a special gesture, the Bank has allowed a concession of 0.50% on its card interest rates in all brackets
and schemes; and the final rates (Related to the Base Rate System) after 0,5% concession are as under:
*
S. No. Loan
Floating rate of Interest* (Present Base Rate is 9.5% w.e.f. 01.02.2011)
1
Housing
Payment up to 5 years Above 5 & upto 10 vrs Above 10 & upto 20 yrs -
2.
Car
Up to 3 Years &
More than 3 Vrs&
3.
Two wheeler
Up to 3 Years More than 3 Years -
4.
Personal
BR + 4.50% = 14.0%
5.
Educational
Up to Rs. 4.00 lacs BR + 2.25% = 11.75
& Above 4 lacs BR+ 3.0% = 12.50%
Special concession of 0.5% to girl students / SC / ST / Disabled and
concession of 1% to students of IIT & IIM will also be allowed.
6.
Natural calamity
Loan
The Bank shall immediately dense suitable scheme if the unfortunate need
so arises, taking into account the specific i circumstances of the calamity, in
the affected area.
BR = 9.50%
BR + 0.23% = 9 75% ;
BR + 0.5% = 10%
BR + 1.75% = 11.25% (New Car)
BR + 4.75% = 14.25% (Old Car)
BR. + 2.25% = 11.75% (New Car)
BR + 5.25% = 14.75% (Old Car)
BR + 1 75% = 11.25
BR + 2 25% = 11.75%
Floating rate of interest will change as per the change in the Base rate of the Bank, i.e., increase or decrease in the interest rate by the same basis points as in the base rate of the Bank. The change in the
interest rate will be effective from the Is' of respective month in which changed base rate has been made
effective by the Bank.
Most of the loans are in Branch Managers' powers and will not take any significant time after fulfillment of the
documents / formalities.
7
Ç+&çjT· Hé u≤´+ø˘ ãTTD≤\ ˇ|üŒ+<ä+ $esê\T ` á ˇ|üŒ+<ä+ 25.5.2012 es¡≈î£ neT\T˝À ñ+≥T+~
ENCLOSURE TO OUR MOU DATED 25.05.2011
ANNEXURE - III
Rate of Interest Recommended for Various Retail Loans to BSNL Employees under the
Special Package
SI.No
1.
Nature of
Loan
Card rate (variable)
Fixed (With reset
at the end of
every 5 years to
the then prevailing
ROI)
Permitted
Terms
Housing
Loan &
Repain
Renovation
Limit Up to
Rs. 20.00 Lakhs
For 5 Years- Base
Rate+TP(0.50%) i.e 10.50%
5-10 Years -Base Rate+ Spread
(0.25%)+ TP(0.50%) i.e 10.75%
10-15 Years- Base rate + Spread
(0.50%) +TP(0.50%) i.e 11.00%
Above 15 Yrs-Bese Rate+ Spread
(0.75%) + TP ( 0.50%) i.e 11.25%
For 5 Years-11.50%
5-10 Years-11.75%
10-15 Years-12.00%
Above15 Yrs12.25%
0.50% Less
than Card
rate
Limit above
20 lakhs to 30
Lakhs
For 5 Years- Base Rate + Spread
(0.25%)+ TP ( 0.50%) i.e 10.75%
5-10 Years - Base Rate + Spread
(0.50%)+ TP(0.50%) i.e 11.00%
10-15 Years-Base rate + Spread
(0.75%) + TP (0.50%) i.e 11.25%
Above 15 Yrs-Base Rate + Spread
(1.00%) + TP ( 0.50%) i.e 11.50%
Limit above
30 lakhs to
200.00 lakhs
For 5 Years- Base Rate + Spread
( 0.75%) + TP ( 0.50%) i.e 11.25%
5-10 Years -Base Rate + Spread
(1.00%) + TP ( 0.50%) i.e 11.50%
10-15 Years- Base Rate + Spread
(1.25%) + TP ( 0.50%) i.e 11.75%
Above 15 Yrs- Base Rate + Spread
(1.50%) + TP ( 0.50%) i.e 12.00%
For 5 Years-11.75%
5-10 Years -12.00%
10-15 Years-12.25%
Above 15 Yrs-12.50%
0.50% Less
than Card
Rate
Limit above
200.00 lakhs
Base Rate + Spread (4.00%) + TP
(1.00%) i.e 15.00%
2.
Home
Improve
Base rate + Spread (1.25%) + TP (0.50%)
i.e. 11.75% (Variable)
3.
IB Vehicle
Loan
2 Wheeler:
13.00% Fixed
4 Wheeler (new vehicle)
11.00% fixed for loans up to 3 years
11.25% fixed for loans above 3 years
(with reset at the end of every 2 years to the then
prevailing fixed ROI)
4.
IB Clean
Salary Loan
16.50% p.a. Fixed
5.
Educational
Upto Rs. 7.50
Lakhs
Base Rate + Spread (3.00%)
+ TP (1.00%) i.e. 14.00%
Above Rs. 7.50
Lakhs
Base Rate + Spread (3.25%)
+ TP (1.00%) i.e. 14.25%
0.50% Less than Card rate
0.50% less than Card Rate
14.00% p.a. Fixed
0.50% less than Card Rate
•
The above rate of interest should not be less than base rate of our Bank on the date of availing the loan. The Present
Base rate of the Bank is 10.00%.
•
Where ever reset clause is there the ROI is to be reset at 0.5% less than the card rate prevailing then.
8
ø±s=Œsπ wüHé u≤´+ø˘ ãTTD≤\ ˇ|üŒ+<ä+ $esê\T ` á ˇ|üŒ+<ä+ 25.5.2012 es¡≈î£ neT\T˝À ñ+≥T+~
GENERAL TERMS & CONDITIONS
The various kinds of loans facilities under respective Corp Scheme with special offer / terms and
conditions
Eligibility
Housing Loan
Vehicle Loan
Personal Loan
Confirmed employee with a
minimum of 5 years of service
Four Wheelers:
Confirmed employee with
a minimum basic pay of
Rs. 20000/- per month
Only confirmed
employee
Two Wheeler: Confirmed
employee
Minimum
Four Wheelers:
10 times of Basic
20 times of Basic pay subject
subject to the
to the maximum of Rs. 5 lakhs. maximum of Rs.
5 lakhs.
100 times of Basic Pay subject
to the maximum of
Rs. 30 Lakhs.
Two Wheeler:
5 times of Basic pay subject
to minimum & maximum loan
of Rs. 50000/Margin
As per the Scheme
Four Wheeler: 10%
Two Wheeler: 25%
Repayment
Period
General Scheme: 20 years
Ghar Shobha Scheme: 10years
Four Wheeler: 7 years
Two Wheeler: 5 years
-NA3 to 5 years
Processing charges
-Nil-
-Nil-
-Nil-
Payment charges,
if paid from own
sources.
-Nil-
-Nil-
-Nil-
Rate of Interest
(Floating rate)
General Scheme:
Loan upto Rs. 20 Lacs:
Tenor: 5 to 15 years
BR+0.85% [Presently 10.75%]
Tenor: 15 to 20 years
BR+1.10% [Presently 11.00%]
Upto 3 years:
Base Rate + 1.60%
[Presently 11.50%]
Loan Rs. 20 Lacs to
Rs. 30 Lacs:
Tenor: 5 to 15 years
BR+1.10% [Presently 11.00%]
Tenor: 15 to 20 years
BR+1.35% [Presently 11.25%]
Above 3 years to 5 years
Base Rate+ 2.10%
[Presently 12.00%]
Ghar Shobha Scheme:
Base Rate + 1.75%
[Presently 11.65%]
Base Rate + 2.60%
[Presently 12.50%]
BaseRate+ 4.10%
(Presently 14.00%)
Above 5 years to 7 years
Note: Education loan shall be extended as per the extant guidelines of the Scheme.
9
dü]ÿ˝Ÿ düe÷#ês¡+
Y
Y
Y
Y
Y
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
dü]ÿ˝Ÿ yÓ˝ÒŒ¤sY uÀs¡T¶ düuÛÑT´\T>± _mdtmHém˝Ÿ m+bÕ¢sT÷dt j·T÷ìj·THé ‘·s¡|òü⁄q ø±ˆˆ $. $X¯«Hê<∏ä+,
mdtmdtmdt(z) dü]ÿ˝Ÿ Ä|òd” Tü , ø±ˆˆ _.ÄsY. MsêkÕ«$T, mdtmdtmdt(z) KeTà+ ìj·T $T‘·T\j·÷´s¡T.
dü]ÿ˝Ÿ k˛ŒsYº‡ eT]j·TT ø£\Ãs¡˝Ÿ uÀs¡T¶ düuÛÑT´\T>± ø±ˆˆ |ü˝≤¢ lìyêdt, mdtmdt(z) $XÊK|ü≥ï+ ìj·T
$T‘·T\j·÷´s¡T.
‘·q Ç+{À¢ì e´øÏ>Ô ‘∑ · f…*bò˛qT _\T¢ <ë<ë|ü⁄ 4 \ø£\
å T ñ+&É>± n+<äT˝À \ø£qå ïs¡ ]uÒ≥T bı+~ $T>∑‘ê
&ÉãT“ m>∑y˚j·÷\ì Á|üj·T‹ï+∫q ˇø£ »qs¡˝Ÿ y˚TH˚»s¡T ô|’ _mdtmHém˝Ÿ m+bÕ¢ sT÷dt j·T÷ìj·THé
|òsæ ê´<äT #˚jT· >± ãø±sTT |ü&qç f…*bò˛qT _\T¢\qT 12 yêsTT<ë\˝À dü<sä T¡ õ.j·T+. J‘·+˝À ]ø£e]
#˚j÷· \ì Ä<˚•+#ês¡T.
ˇø£ õ˝≤¢ qT+&ç ôV’≤<äsêu≤<äT≈£î e´øÏ>Ô ‘∑ · nuÛ´Ñ s¡qú y˚Ts¡≈î£ Á{≤Hé‡|òsü Y ô|’ e∫Ãq eTs√ õ.j·T+. ìã+<Ûqä \T
nqTeT‹+#·øb£ ˛sTTHê {Ï.m. ø¬ y¢Ì Té #˚dqæ $wüjT· + ô|’ ≈£L&Ü _mdtmHém˝Ÿ m+bÕ¢sT÷dt dü]ÿ˝Ÿ j·T÷ìj·THé
|òsæ ê´<äT #˚d+æ ~.
_mdtmHém˝Ÿ m+bÕ¢sT÷dt j·T÷ìj·THé ‘·s¡|òü⁄q Ø»q˝Ÿ C≤sTT+{Ÿ øöì‡˝Ÿ˝À á ÁøÏ+~ yês¡T
ìj·T$T‘·T\j·÷´s¡T.
ø±ˆˆ C…. dü+|ü‘sY êe⁄
` ©&És,Y ÄsYCd… mæ +
ø±ˆˆ |æ. nXÀø£u≤ãT
` ôdÁø£≥Ø, kÕº|tò ôd’&é
ø±ˆˆ õ. yÓ÷Vü≤Hés¬ &ç¶
` yÓT+ãsY ` ôV’≤<äsêu≤<é
ø±ˆˆ j·T+. ‘êsêHê<∏é
` yÓT+ãsY ` ôV’≤<äsêu≤<é / ø£ècÕí
ø±ˆˆ õ.mdt.mHé. sêE
` yÓT+ãs¡T ` $XÊK|ü≥ï+
ø±ˆˆ |æ. nø£“sY u≤cÕ
` yÓT+ãs¡T ` ø£s÷¡ ï\T
ø±ˆˆ $»jYTe&Üï\
` yÓT+ãs¡T ` ø£Ø+q>∑sY
ø±ˆˆ j·T+. ñ<äjTY ≈£îe÷sY, {Ï{mÏ
` yÓT+ãs¡T ` ôV’≤<äsêu≤<é
ø±ˆˆ &ç.mdt. BøÏ‘å T· \T
` yÓT+ãsY ` >∑T+≥÷s¡T
ø±ˆˆ |æ. eTùV≤X¯«s¡sêe⁄
` yÓT+ãsY ` sê»eT+Á&ç
ø±ˆˆ eTVü≤eTà<é düs«¡ sY
` yÓT+ãsY ` ø±e÷¬s&ç¶
ø±ˆˆ {Ï. j·÷<äjT· ´
` yÓT+ãsY ` ôV’≤<äsêu≤<é
ø±ˆˆ |æ. j·T\¢jT· ´
` yÓT+ãsY ` ∫‘·÷sÔ T¡
ø±ˆˆ _. Vü≤qTeT+‘·sêe⁄
` yÓT+ãsY ` ôV’≤<äsêu≤<é
|ü‹Á ø£\˝À f…*ø±+
Y
55 \ø£\
å |ü]ø£sê\ düs|¡ süò ê ø√dü+ _mdtmHém˝Ÿ |æ*∫q f…+&ÉsT¡ qT s¡<Tä › #˚j÷· \ì _mdtmHém˝Ÿ y˚TH˚CŸ
yÓT+{Ÿ ìs¡sí TT+∫+~. Bì kÕúq+˝À 1.5 ø√≥¢ ˝…q’ ¢ |ü]ø£sê\ ø√dü+ ø=‘·>Ô ± eTs√ f…+&ÉsT¡ qT |æ\yê\ì
_mdtmHém˝Ÿ ìs¡sí TT+∫+~. á f…+&ÉsT¡ $\Te <ë<ë|ü⁄>± 5000`6000 ø√≥T¢ e⁄+≥T+~. _mdtmHém˝Ÿ
|ü]ø£sê\ ~>∑TeT‹ ø√dü+ |æ*#˚ Á|ü‹ f…+&És¡T ≈£L&Ü @<√ s¡ø£+>± $yê<ë\˝À ∫≈£îÿ≈£îH˚˝≤ #˚dæ,
_mdtmHém˝ŸqT Çã“+<äT\ bÕ\T #˚dTü qÔ ï ≈£îÁ≥qT Áô|’y≥
˚ T f…*ø£+ ø£+ô|˙\T eT]j·TT Á|üuTÑÛ ‘·« ‘êuÒ<ës¡T¢
|üqTï‘·Tqï $wüjT· + ‘Ó*dæ+<˚. Bìï ø£*dæø≥
£ Tº>± m<äTs√ÿyê*‡q nedüs+¡ e⁄+~.
` _õHÓdt kÕº+&ÉsY¶, 31`5`2011
10
LETTERS FROM ADMINISTRATION
_mdtmHém˝Ÿ yÓT&çø£˝Ÿ Øj·T+ãsY‡yÓT+{Ÿ d”ÿyéT˝À dæõôV≤#Ymdt πs≥T¢ ˝Òì#√≥ _\T¢\T m˝≤ |ü+|æ+#ê˝À
‘Ó\T|ü⁄‘·÷ ø±s=Œπs{Ÿ Ä|ò”düT Ç∫Ãq ñ‘·Ôs¡T«\T
No. BSNL/Admn.I/15-3/11
Dated: 23-05-2011
Sub: BSNLMRS - guidelines for regulation of expenditure on indoor treatment - cases
where no CGHS rates are prescribed for any treatment/procedure
As per the instructions conveyed in OM No. BSNL/Admn.I/14-2/09 (pt.) dated 29th October
2009 various circles have referred cases to Corporate Office where no CGHS rates are prescribed.
It has been decided before examining the case in Corporate Office: respective circle office may
also obtain rates for the treatments where CGHS has not prescribed rates from other empanelled
hospitals and reputed hospitals in the circle and forward it to Corporate Office for examination. It
has also been decided to obtain rates from Metro cities, Hyderabad and Bangalore. Summary of
the cases referred to Corporate Office is enclosed for obtaining rates from empanelled and reputed
hospitals and forward it to Corporate Office for examining the case in detail and to arrive at a definitive conclusion.
Áu≤&éu≤´+&é ø£HÓø£¸q¢˝À _mdtmHém˝Ÿ ñ<√´>∑T\≈£î 60% y˚Ts¡≈£î ¬s+{Ÿ˝À dü_‡&û Çdü÷Ô, ø±s=Œπs{Ÿ Ä|ò”düT
Ç∫Ãq ñ‘·Ôs¡T«\T
File No. 64-133/BB/Tariff/10-11/May/09
Dated: 16-05-2011
Subject: Modification in Policy for provision of Concessional Broadband connection
to below JAG level BSNL employees at their residence.
It is to be informed that the Management committee has decided to modify the Policy for provision
of Concessional Broadband connection to below JAG level BSNL employees at their residence as
follows:"BSNL employees below JAG level may be given the option to take concessional broadband plans
as below:
(a)
Since presently 60% discount on rental is being offered on the residential broadband connection (under limited plan of Rs. 250/-) to BSNL employees below JAG level, the same discount
(60% on rental) may be offered in BB Home UL 499 plan (256 Kbps unlimited, monthly rental
Rs. 499/-), or in any other plan as opted by any BSNL employee below JAG level in BSNL
area subject to a maximum limit of Rs. 300/- per month, (for example a rebate of Rs. 240/- in
a plan for which monthly rental is Rs. 400/-)
(b)
Concessional broadband connection to BSNL employees in MTNL area may be allowed under any tariff plan chosen by the individual and the concession will be restricted of monetary
equivalent of the concession Rs. 150/- pm only as per the existing scheme.
(c)
All other charges including charges for modem etc. will be borne by the employee."
This is only for the information to make preparation for implementation in the billing and commercial
systems. The formal letter in this regard shall be issued by PHA section, BSNL CO.
11
July 2011
Tele-Light
Registration No. RNI(ND) APBIL/2009/29333 dt. 4.11.2009
2õ ≈£î+uÛøÑ √D+˝À ø=‘·Ô ø√D+ ` e÷J eT+Á‹ <äj÷· ì~Û e÷s¡Hé ©\\ô|’ |ü‹Á ø± ø£<Hä∏ ê\T
‘·$Tfi¯Hê&ÉT e÷J eTTK´eT+Á‹ l ø£sT¡ D≤ì~Û
Ç<äs› T¡ ≈£îe÷s¡T˝…q’ l kÕº*Hé, l nfi¯–]\˝À kÕº*HéqT
yês¡düT&ç>± ù|s=ÿ+≥÷ 9.5.2007 ª~qø£s¡Héμ nH˚
(<äj÷· ì~Û e÷s¡H≈é î£ dü+ã+~Û+∫q~) |üÁ‹ø£˝À ˇø£
ˇ|æ˙j·THé b˛˝Ÿ Á|ü#·T]+#·ã&ç+~. Bìô|’ ÄÁ>∑Vü≤+
#Ó+~q l ø£sT¡ D≤ì~Û n|üŒ{Ï<ëø± 6.4.2007 qT+&ç
5/2007 <ëø± ø£eT÷´ìπøwüq¢ eT+Á‹>± e⁄qï <äj÷· ì~Û
e÷s¡Hqé T |ü<Mä #·T´‘·TDÏí #˚XÊs¡T.
yÓqTyÓ+≥H˚ dæ_◊ e÷s¡Hé #˚dæq nÁø£e÷\ô|’
<ä s ê´|ü ⁄ Ô #˚ | ü { Ï º + ~. 10.9.2007q dæ _ ◊ f… * ø£ +
ôdÁø£≥ØøÏ <äj÷· ì~Û e÷s¡Hé nÁø£e÷\ô|’ ‘·q ìy˚~ø£qT
düeT]Œ+∫+~. |üÁ‹ø£\˝À e∫Ãq á dæ_◊ ìy˚~ø£
Á|üø±s¡+ ªdüHé {Ï$μ HÓ{ŸesYÿ e⁄qï nHêïXÊ˝…’, #ÓHÓ’ïøÏ
3.4 øÏ˝ÀMT≥s¡¢ ◊mdt&mç Hé øπ ãT˝Ÿ ì]à+∫ 323 ø£HÓ
ø£̧qT¢ rdüT≈£îHêï&Éì dæ_◊ <Ûèä Mø£]+∫+~. 24371500
qT+&ç 24371799 es¡≈î£ >∑\ 300 f…*bò˛Hé ø£HøÓ q¸£ T¢,
eTs√ 23 Ç‘·s¡ HÓ+ãs¡T¢ rdüT≈£îHêï&Éì ù|s=ÿ+~. ˇø£ÿ
y˚T 2007 HÓ\˝ÀH˚ ˇø£ bò˛qT qT+&ç 48 \ø£å\
j·T÷ì≥¢ ø±˝Ÿ‡ yê&Üs¡˙, n˝≤ yÓTT‘·+Ô 629.5 ø√≥¢
j·T÷ì≥¢ ø±˝Ÿ‡ yê&Üs¡˙, M{Ï $\Te 440 ø√≥T¢>±
dæ_◊ <Ûèä Mø£]+∫+~. _mdtmHém˝Ÿ≈î£ ìø£s+¡ >± qwü+º
e∫Ãq+<äTq Bìô|’ #·s´¡ rdüTø√yê\ì 10.9.2007q
ôdÁø£≥Ø f…*ø£+≈£î ìy˚~ø£ Ç∫Ã+~. 44 HÓ\\T>±
Bìô|’ m˝≤+{Ï #·sê´ Á|üuTÑÛ ‘·«+ rdüTø√˝Ò<Tä .
Çy˚ ø±≈£î+&Ü eT<ÛTä s¬ ’ qT+&ç q&ç#˚ ª~qø£sH¡ μé
|üÁ‹ø£≈£î ≈£L&Ü Ç˝≤+{Ï <=+>∑ f…*bò˛Hé ø£HÓø£¸qT¢
e⁄Hêïj·T˙ M{Ïe\¢ ≈£L&Ü _mdtmHém˝Ÿ≈£î ø√≥¢˝À
qwü+º e∫Ã+<ä˙ |üÁ‹ø£\˝À ø£<Hä∏ ê\T e#êÃsTT.
@~ @yÓTÆHê Á|üC≤<ÛäHêìï n|üŒq+>± uÛÀ+#˚ùd
nÁø£e÷s¡Tÿ\ô|’ ñ≈£îÿbÕ<ä+ yÓ÷|ü&ÜìøÏ ñ<ä´$T+#ê
*‡q nedüs+¡ m+‘ÓH’ ê e⁄+~.
l <äj÷· ì~Û e÷s¡Hé ô|’ eTs√ Äs√|Dü
2005˝À msTTsYôd˝Ÿ f…*ø£+ ø£+ô|˙øÏ #Ûs’Ó à¡ Hé>±
e⁄qï •eX¯+ø£s¡Hé C≤sTT+{Ÿ bÕs¡¢yÓT+≥Ø ø£$T{°
eTT+<äT kÕø£´å + Çdü÷Ô msTTsYôd˝Ÿ ø£+ô|˙ ªe÷øχdtμ
(dæ+>∑|Pü sY) ø£+ô|˙øÏ neTàeTì ‘·qô|’ n|üŒ{Ï ø£eT÷´
ìπøwüq¢ eT+Á‹ l <äj·÷ì~Û e÷s¡Hé ˇ‹Ô&ç #˚XÊs¡ì
kÕø£´å + Ç#êÃs¡T.
2005˝À msTTsYôd˝Ÿ ‘·$Tfi¯Hê&ÉT˝À f…*ø£+
˝…ô’ dqT‡ bı+~, nÁ>∑kÕúq+˝À e⁄+~. eTs√ 14 dü]ÿfi¯fl˝À
˝…ô’ dqT‡\ ø√dü+ n|æøπ¢ wüqT¢ ô|{Ï+º ~. l Äq+<äøè£ wüHí é
j·÷»e÷q´+˝Àì dæ+>∑|Pü sY qT+&ç |üì#˚ùd ªe÷øχdtμ
nH˚ ø£+ô|˙øÏ msTTsYôd˝ŸqT ne÷à\ì le÷s¡Hé ˇ‹Ô&ç
#˚XÊs¡ì n|üŒ{À¢ Äs√|üD\T e#êÃsTT. msTTsYôd˝ŸqT
‘·<Tä |ü] ø=~›ø±˝≤ìπø ªe÷øχdtμ ø£+ô|˙øÏ n$Tà y˚XÊs¡T.
ªe÷øχdtμ Á>∑÷|ü⁄ ø=qT≈£îÿqï ø=~› ø±˝≤ìπø 14 dü]ÿfi¯fl˝À
msTTsYôd˝Ÿ≈£î ˝…’ôdqT‡\T \_Û+#êsTT. á ‘·‘·+>∑+
»]–q ø=~› HÓ\\ ‘·sê«‘· ªdüHé {Ï$ HÓ{ŸesYÿμ˝À
ªe÷øχdtμ ø£+ô|˙ 800 ø√≥T¢ ô|≥Tºã&ç>± ô|{Ï+º ~. ÇB
Äs√|üD\ kÕsê+X¯+. Bìô|’ l <äj÷· ì~Û e÷s¡Hqé T
C≤sTT+{Ÿ bÕs¡ ¢ y Ó T +≥Ø ø£ $ T{° Á|ü • ïdü T Ô + <ä ì
‘Ó\Tk˛Ô+~.
m+bÕHÓ˝ŸyÓT+{Ÿ ÄdüT|üÁ‘·T\ ô|’ C≤Ø nsTTq ø=‘·Ô ñ‘·Ôs¡T«\T
OFFICE ORDER
No. BSNL/Admn.I/14-9-09
Dated: 19-04-2011
Sub: Guidelines for empanelment of Hospitals
Ref:
1. Office Order No BSNL/ADMN/1 dated 22 -4-2003
2. OM No BSNL/Admn.I/15-10/07 dated 16'' April 2010
For fresh empanelment of private hospitals CGHS has issued various guidelines. CGHS has now made
NABH/NABL accreditation mandatory for hospitals and diagnostic centers for empanelment under CGHS. It
has also categorized hospitals in three categories Copies of 'he orders issued by CGHS are enclosed for and
reference and guidance for more information on NABH (National Accreditation Board for Hospitals) and NABL
(National Accreditation Board for Laboratories, the internet sites of these organizations (www.ocin.org/nabl)
and www.quin.org/napl) may be visited.
Fresh rates have now been notified by CGHS for different cities which can be downloaded from CGHS
site (http://mohfw.nic.in/cghsnew/index.asp), now different rates have been notified for different categories
of hospitals i.e., with/without NABH accreditation and super specialty hospitals the guidelines may be followed accordingly.
Printed and Published by J. Sampath Rao on behalf of BSNL Employees Union, A.P. Circle, Room No.207,
Triveni Complex, 1st Floor, Abids, Hyderabad-01. Ph.: 040 2475 4896 and Printed by him at Sri Sai Tirumala Printers,
D.No. 1-8-556/2, Opp. Fantoosh Showroom, Behind Odian Theatre, Chikkadpally, Hyderabad. Phone: 040-66637672
No. 2453 of 2002, dt. 7-12-2002