13 Sept 2020

Sri Naini Gopal vs SBI CPPC & others in Bombay High Court (August 2020)

Sri Naini Gopal (aged  85 ) Assistant Foreman Ordinance Factory Bhandara Retired on 01-10-1994 Nagpur  Petitioner

Union of India Ministry of Defence ,  Respondents

The Principal Controller of Defence Accounts

The General Manager SBI CPPC 5th Floor  Premises No T-651 , T-751 ITC Belapur, CBD Belapur Railway Station Complex , Navi Mumbai – 4000614

The General Manager Ordinance Factory Bhandara

High court of Bombay Nagpur Bench

LD-VC-CW-665 of 2020.

CASE HISTORY BRIEF 

In the month of August 2019, the basic pension of the petitioner was reduced from Rs 25634 to Rs 25250 (from 01-01-2016) and CPPC SBI directed recovery of Rs 369035 from the pension payable in instalments of Rs 11400 i.e 1/3 of monthly pension from 01-08-2019.

An amount of Rs 872 was erroneously paid in excess from October 2007 due to technical error.

The stand taken by employer, the competent authority has stated that fixation of pension was correct and proper and supported the claim of the pensioner and intimated that pension at the rate of Rs 26000 has been correctly notified.  

TABLE 14 ( S-13,  GP -4600 , LEVEL -  7 )
4TH CPC 5TH CPC 6TH CPC 7TH CPC PENSION
2675 8125 19720 52000 26000

Bank stated that revised pension of Rs 9102 was payable but bank calculated it as Rs 9974 and thus paid an excess of Rs 872 per month  from October 2007. It is not the authority of the bank to fix the entitlement of pension and the action of the bank to reduce the pension is unauthorised and illegal.

If the bank had any doubt about the correctness of fixation of pension, it should have carried correspondence with the employer and got the clarification. An explanation in respect of proposed deduction with retrospective effect from Oct 2007 should have been called from the pensioner.

The entire action of the bank is arbitrary, unreasonable, unauthorised and  in flagrant violation of the principles of natural justice and cannot be sustained.

Instead of showing sensitivity to the problems of senior citizens , the bank has shown arrogance .

We need to direct the bank to refund the amount of Rs 326045 with interest at the rate of 18% per annum , restrain the bank to recover the balance, bank to pay costs of Rs 50000 towards expenses.  

Pension payable upon superannuation is  a  property ( Article 300 A )and it constitutes a fundamental right to livelihood (Article 21)

Article 41 of the Constitution of India in the Part IV of Directive Principles of State Policy  has created a obligation upon the state to recognise a right of public assistance in the case of old age , sickness and disablement .

OBSERVATIONS

Unfortunately, the time has come to tell the Bank that the aging is natural process, which leads to weakening of the body and mind. The productivity, working ability and mobility decreases or paralyzes with growing age. The traditional norms, values and culture in the Indian Society demand to treat the senior citizens with respect, dignity and  lay  stress  on  providing  security,   care   and   assistance   to  them.  It becomes a part of the human right of the senior citizens. The senior citizens are the persons who had shouldered the responsibility of building a nation in general and society or community in particular, while in service. Utilizing their experience in the life and working, the strong shoulders are created of young persons to substitute and rest the responsibility upon them, while demitting the office. The bank officials must realize that tomorrow it may be their turn, upon superannuation, to fight for the pension or post-retiral benefits. The thought process, therefore, to be adopted should be of a person in a situation like the petitioner. The respect, dignity, care, sensitivity, assistance and security would automatically follow.

We have, however, seen and can take  judicial  note of the fact  that the security of the senior citizens always remain in peril. We have seen the senior citizens anxiously waiting for credit of the pension amount in their account and standing in a queue for withdrawal. Once the amount is withdrawn personally either from the Bank or from the ATM, a serious threat starts posing to the life from the watchdogs roaming around involved in pick-pocketing and stealing. We have  actually seen the old aged persons — men and women, counting the currency with cramping hands and trying to secure the amount at some hidden place in the body. It is then after waiting in the premises  of the Bank and taking stock of the situation and the atmosphere with scared mind and the feeling of  insecurity,  the  escape  route  and  time  is  chosen to reach to their destination safely. It  is  a  high  time  for  the Banks to create a separate cell and to device a method to provide  personal service through the  men  of  confidence,  at  the  door-step  to the old aged, disabled and sick persons who are  the  senior  citizens. They have to be treated with respect and dignity. The sensitivity to the problems of the senior citizens  need to be addressed.  The  mechanism for immediate redressal of  grievance  needs  to  be  provided.  The officers having a degree or master’s degree in Social Work  or  Psychology, who can be in personal touch  with  and  genuinely understand and redress the grievances or complaints of the senior citizens, can be appointed.

ORDER

In the result, this petition is allowed and the following order is passed : The action of the Bank in deducting an amount   of   Rs.11,040/-   per   month   with   effect    from October, 2019 is hereby quashed and set aside.

We direct the Bank to immediately credit an amount of Rs.3,27,045/-, recovered from the pension account of the petitioner, along with interest  at  the  rate  of  18% per annum from the date of recovery of each of the installments, till the date of credit of this amount in the pension account of the petitioner.   Bank is restrained from recovering any amount from the pension payable to the petitioner  on  the basis of the action, which we have quashed and set aside. We direct the Bank to pay the compensation of Rs.50,000/- to the petitioner and credit the said amount in the pension account  of the  petitioner  within  a  period of eight days from today, failing which the additional costs of Rs.1,000/- for each day’s delay will have to be paid.   

copy of the judgement