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H/SD/428/2009-11

TARNAKA TIMES
VOL. No. 2 ISSUE No. 68 MONTHLY NEWS LETTER Published on Every 2nd SEP. - 2010
A mouthpiece of the Federation of A.P. Senior Citizens’ Organisations (FAPSCO)
The United Federation of Resident Welfare Associations (U-FERWAS)
The Federation of Organisers of Elders' Homes in Andhra Pradsh (FEDEHAP) and
Standing Committee of Tarnaka Resident Welfare Associations (SCOTRWA)

Towards A Universal Social Security System for All :

An Exploration of Strategies
(Refer T.T.68 : continuation of the article)
4. Area-wise Operations for systemization and
institutionalization:
a). Education :
In this area, the registered mutualist system would function
as a bank as well as an insurance company with the
authorization of RBI. It might even re-insure itself. It will
work like a Reverse Mortgage plan for the senior citizens,
while, in this case, the property being the brain of the child.
The contract of loan-giving operates with an insurance, till
the member starts earning an income or a job, from where
he would be paying back the loan on instalments. One
might, temporarily, suspend payments, when one is out of
employment. During that period the defaulter might be paying
the premium on insurance. This is an essential activity in
order to build a knowledge-based society. The government
might contribute to the capital of this initiative. The re-
payment installments would be indexed to the rate of
inflation and an additional cess would be levied to augment
the common fund. There is no need for any limit to the
period of repayment. In the long term, this can become an
autonomous universal system by integrating other parallel
systems in the market. This system can have a sub-system
or link to the health insurance of the member under another
system, during the period of loan.
b). Pension :
In a society like India where social wealth has to be
increased in order to be shared better, more people should
work and for longer years. At present we are covering only
11 percent of our labour force, mostly in the organized
sector. But, it is possible to build a big stock of pension
funds, now, when our work force is younger for the future
twenty years to come when our demand for pensions would
increase. The present Employees Provident Fund
Organisation should be totally transformed into a defined
pension-benefit system with parametric changes. There can
be definedcontribution system also as an option with other
agencies. In any case, there should be no possibility to
withdraw bulk amounts, neither before nor after retirement.
Therefore, it would become a ‘Employees Pension Fund”
like the ‘New Pension Fund’. While, on the one hand, pension
could be calculated on the basis of the contributions from
the member, from the employers and from the local and the
state or central governments, it could be cumulated with
the reverse mortgage of house or patent rights, etc. so as
to ensure a guaranteed minimum pension, indexed to the
cost of living. Similarly, other pension systems like the civil
service pension, special private and voluntary provident funds
could be allowed prosper on their own or can have cross
contributions. The New Pension Scheme and the newly
added LITE should have annual targets of growth with
incentives for the managers. This could be devised by the
PFRDA. Private systems similar to EPFO could be formed
by private entities, including mutuals, depending upon the
degree of risk they would like to take in the open market
investments. EPFO and other allied bodies with a dormant
five lakh crore capital should be able to undertake for the
benefit of their members the functions of a bank, a real estate,
housing, leasing finance corporation, a stock-trading
company, etc. All the systems could be overseen in the
open market as far as the capital is concerned by SEBI.
As an example of measures to be taken by the government,
we can propose the abolition of much-mismanaged National
Old Age Scheme and equivalent amounts from the national
budget be transferred to the systems in which a senior citizen
is a member. This should be done with the ultimate objective
of obliging everybody to contribute to some pension fund till
one reaches sixty five or more years. Optional extension of
retirement age upto 67 to 68 years is right now possible.
Similarly, incentives should be given by the governments
(local, state and central) to all bodies that achieve annual
percentages of growth of coverage of people in un-organised
sector. With accrued savings, pension funds could be
diverted towards developmental works which would boost
growth.We should expect a ten percent annual growth of its
membership from its current nearly 5 crore membership.
The fundamental mission of the rich Life Insurance
Corporation (LIC) should be transformed into a more efficient
Life Pension Insurance Corporation (LPIC) specializing into
unorganized sector, with its vast army of officers. The Pension
Plan, Market Plus 1of its Pension Fund is a good beginning.

1 Tarnaka Times, Sep. - 2010

 Its other activities could be made supplementary to make
it financially-viable.
The Direct taxes Code-2 should give tax incentives on
savings for retirement. No pre-mature withdrawals should
be permitted from the pension funds. The exempt-
exempt-exempt (EEE) tax benefits which are given to
only government-sponsored National Pension Scheme
must be extended to all pension schemes in the private
sector.
By some measures, we must force the banks and
companies to market the NPS+NPS LITE. The service
fee can be increased by 0.25 or 0.50of assets under
management, along with about 2% deduction for the
first few years as account opening fee paid to insurance
agents to encourage marketing. The private companies,
in return, can be asked to ensure some growth in the
accounts. Of course, obligatory insurance linkage can
be established.
c). Health:
World class infrastructures, medical tourism,
pharmaceutical competitivity, low costs, English
language skills, and availability of alternative and
supplementary medical systems make India capable of
making a big leap forward towards minimum health
services for all Indians. The British and American health
systems would be, certainly, interested in de-localising
some of its services in order to reduce their costs. The
GOI should spend more on research, clinical studies
and development of bio and anthropo technologies and
in establishing a relay between research and
applications. Here again, it cannot be a purely sectional
or national affair; numbers help, as in the case of
Yeshasvini scheme in Karnataka.
In the Indian context, the healthcare can function only
in an insurance system. Tax revenues should provide
incentives and subsidies to those systems which provide
basic services to the low-premium groups among the
members. Between government medical and health
establishments and entirely profit-making organizations,
there could be, in the middle term, some trusts or
foundations as Special Purpose Vehicles, as in the case
Builders Have No Right To Sell Stilt Parking
(Extracts of the Supreme Court Judgement
published in Times of India-Mumbai edition)
The Supreme Court has ruled that builders/
promoters cannot sell parking areas as independent units
or flats as the same is to be extended as “common
areas and facilities” for the owners. A bench of Justices
R M Lodha and A K Patnaik in a judgment rejected the
argument of a real estate development company that
they are entitled to sell garages/stilt parking areas as
separate flats to owners who intend to use it as parking
facilities.
reported by TR.Madhavan,Secretary (Rajendranagar),
UFERWAS.
Tarnaka Times, Sep. - 2010
of Arogya Sri in Andhra Pradesh, only as a campaign or
a movement to wipe off the long back log of health needs
accumulated and that too, on an ad hoc basis. In view
of the fact that for a number of known reasons, health
insurance is a loss-making proposition, it is a domain
where maximum of governmental incentives and
subsidies are to be allotted. The Universal Health
Insurance Scheme should be opened to all, instead of
limiting it to the BPL families. The governments have to
be more generous in this area for some time, till people
get into the mental habit of health insurance culture.
Later and gradually compulsory contributions should be
imposed and increased. For long term investments,
private international health insurance companies need
to be encouraged to settle in India to bring in their best
practices.
The Employees State Insurance Corporation (ESIC) is
a successful model and more and more labour from the
unorganized sector should have similar structures or get
them absorbed in to the existing ESIC. Any association
or enterprise or group of people consisting of minimum
people must be able to adhere to ESIC without any upper
limit of salary. It would be a wrong priority for ESIC to
construct their own hospitals and maintaining them,
instead of having tie ups with the private establishments.
Central Health servicing system for the central
government civil servants is very weak and ESIC taking
over these services would be more efficient, especially
in far off rural areas.
IRDA should have an Observatory for annual survey of
health coverage and advise on where the expansion of
health coverage is slow. Both the Planning Commission
and the Central Finance Commission can guide the
specific public policies and allocations to the executive
agencies in those domains. By 2020, we might be able
to say that we have a universal social security system,
though with some gaps in health coverage. By that time,
the un-prepared generations of people born till Fifties
and who have not made any contributions would be
reduced in numbers.
by Dr.Rao.Chelikani
OBITUARY
Dr. P. Vishnu, homoeopathic
physician and social worker, passed away
after a prolonged illness on September 7,
2010. He was 72. He is survived by wife,
Smt. Vimala Vishnu, son Vinod and his
family and daughter Vanitha and her family.
As a man of high values and
principles, Dr. Vishnu was naturally
attracted to the civil society movement for political change and
democratic reforms started by Dr. Jayaprakash Narayan in the
name of Lok Satta in 1997. He served as the state secretary of the
organization and also as the editor of the periodical, Jana Balam.
- N. V. Raman
2
 THE OTHER FACE OF THE R.T.I. ACT
(Some Exctracts)
The Government of India has empowered its citizens
with Right to Information Act in the year 2005 to provide
access to information to the people in public offices in
order to promote transparency and accountability, which
was hitherto kept away from the general public under
Official Secrets Act 1923. The RTI Act has the overriding
effect on Official Secrets Act. Now, nothing can be
concealed except the information pertaining to integrity
and sovereignty of the country or information, the
disclosure of which would endanger the life or physical
safety of any person, and such other few items listed U/
S 8 and 9 of the R.T.I. Act for which exemption is given.
The R.T.I. Act has become most popular within a short
span of time; however, certain lacunas require urgent
redressal:-
Clause 4 of the Act make certain obligations on public
authorities to maintain all its records and ensure its
computerization and connect through a network all over
the country on different systems so that access to such
records is facilitated. It is well known that in most of the
public offices, computerization of records are not yet
done, required men and machinery is not available.
Proper maintenance of records is vital for effective
implementation of the Act, which is also lacking in most
public offices for want of necessary infrastructure and
equipment.
Clause 5 of the RTI Act obligates the public authority to
designate Public
Information Officer. Here the Act has not prescribed
any criteria or qualification for the P.I.O. to be designated.
As a result, there are so many public offices where the
employees working in a clerical cadre have been
designated as Public Information Officers with little
information about the Act. This apart,
Further Clause 19(5) says that “in any appeal
proceedings, the onus to prove that the denial of a
request was justified shall be on the Public Information
Officer, who denied the request.” Here the P.I.Os.
designated from lower cadre who are supposed to
execute the orders passed at higher levels. As such,
FORUM FOR SENIOR CITIZENS TARNAKA:
5th I Rajender Rao
Happy Birthday
October, 2010
6th V Lakshman Rao
8th A Rama Rao
Wishes
13th DSN Murthy
13th Prof Veera Nagaiah
16th M Surya Rao
19th K Mallaiah
19th CS Krishnan
3 Tarnaka Times, Sep. - 2010
Clause 5 require amendment by prescribing the senior
most officer next in command to the Head of the
Institution and who is not less than to the rank of
Gazetted Officer to designate as P.I.O.
Clause 6 of the RTI Act does not specify or limit the
quantum of information to be sought by an individual or
an Association/Organization, nor its requirement or
necessity.
Clause 6 gives ample scope for misuse of the act by
habitual complainants and greedy persons resorting to
blackmail to harassment of the public authorities
especially the P.I.Os. Example: in an extract of a case
dealt by A.P. High Court in W.P.No.20182/2008 filed by
the Petitioner Mr. Divakar S. Natarajan against the A.P.
Information Commission and A.P. State Government:
While dismissing the said writ petition, the learned Judge
concludes and opined:
However, “ indiscriminate efforts to secure
information just for the sake of it, and without there
being any useful purpose to serve, would only put
enormous pressure on the limited human
resources, that are available. Diversion of such
resources, for this task would obviously, be, at the
cost of ordinary functioning. Beyond a point, it may
even become harassment, for the concerned
agencies. Much needs to be done in this direction
to impart a sense of responsibility on those, who
want to derive benefit under the Act; to be more
practical and realistic.”
Further, a provision should also be made in the RTI Act
empowering the Information Commissions to decide first
whether a particular application filed under the RTI Act
seeking voluminous data has any public interest and
useful purpose to serve or is filed just for the sake of the
Act, and to set aside such applications, if necessary,
by awarding suitable penalties to the applicants.
By Sri. SHAIK ISMAIL, G-12, Palace ‘A’, Happy
Homes, Near Upparpally Cross Roads,
Hyderabad – 500048.Ph: 9010591800
Nag’Nagar 27171820
Vijaypuri 9392529292
Tarnaka --
Nag’nagar 9866428623/27177494
Tarnaka 9391097279
Vijayapuri --
Vijayapuri --
Tarnaka 9704693819
 Senior Citizens Associations’ Activities
1.Malkajgiri:
Free Eye Camp was conducte on 18th Sept
2010 at Dayanand Nagar welfare Day Centre by
M.S.Reddy, Lions Eye Hospital Meerpet, Moula Ali
represented by Eye Hospital Vision Technician Km.
Vijaya Lakshmi and camp Coordinator Narender in
coordination with GHMC Aasara, Helpage India and
GHMC Malkajgiri Aasara Committee. Speaking on the
occasion Project Director GHMC Aasara, Smt. Mamtha
Bai stressed on the need to protect the senior citizens
from the ailments of Eye, Alzheimers, Dimentia and
other chronic diseases like Heart, T.B etc; and the eye
care is the first step to be taken care of. The camp was
hosted by the Dayanand Nagar Welfare Centre
represented by Sri.Purna Chander Rao and Sri.
Mallikarjuna Rao. Sri. S. Sitarmaswamy Organizing
Secretary Sri. B. Linga Reddy, Vice- President, Sri. G.
Krishna Murthy, General Secretary and Executive
Members Smt. S.V.Gajanani and Sri. A. Rama Murthy
and active Senior Citizens.
Reported - S.Sitarama Swamy - 9866473455
2. S.R. Nagar Circle Aasara Senior Citizens’
Council, Hyderabad
The following office bearers are elected:
Sri.Sarrasri N.Ramulu- President, Sri.D. Parthasarathi
– Vice-President, Sri.M.Satyanarayana-General
Secretary, Sri.K.Nageswara Rao – Joint Secretary,
Sri.G.Veera Lingeswara Reddy – Organising
Secretary,Sri .M.Rama Murthy-Treasurer
3. Nizamabad Senior Citizens Forum
The National flag is unfurled on the top of the building of
Senior Citizens Forum Nizamabad on 15th August, 2010
at 8.45 am by Sri. G.Chandrabhushan Reddy, President
of the Forum. Felicitation to the following citizens was
done on that day.
Sri.Prem Chandji, (91 years) Freedom Fighter,
Sri.G.Vithal Reddy,(88 years) Freedom Fighter and
Senior Advocate, and Dr.Madhusudhan,(74) years
M.D.Senior Physician.
Cash Prize of Rs.500 was given to the student who
secured highest marks in 10th class in the High school
of Chandra Sekhanagar Colony, Nizamabad during the
year 2009. Gold Medal was awarded to the student who
stood dist 1st during the year.Fruits also distributed to
all the students of the school on the same day.
Observation of National Protest Day on 16th August,2010
A rally with 300 senior citizen persons was
taken out on a main road of the city wearing a black
badges on the left hand shoulder and they submitted a
memorandum to the Dist.Collector. There after a press
meet was conducted. A meeting was also held after
press conference in the Forum office.
Celebration of (Vanamahotsava)
Programme on 17.08.2010
Shadow-giving trees have been planted in the premises
of community hall new NGOs Colony, Nizamabad,
Tarnaka Times, Sep. - 2010
primary health centre at Arsapally village and fruit bearing
trees(mango, sapota, guvva etc..) at oldage home near
hanuman temple, sarangapur village. A delicious lunch
is also arranged to all senior citizens of the Home and
to all children of the uchitha patashala, sarangapur on
that day.
Reported by the President.
4. Forum For Senior Citizens, Tarnaka
In their monthly meeting held on 17th September, the
Senior Citizens of the Forum took an oath to save the
Mother Earth from its enemy, the non- degradable plastic
by minimizing the use of plastic in their daily life. The
Senior Citizens decided to carry with them cloth/jute/
paper bags whenever they go for shopping.
5. SENIOR CITIZENS FORUM
(Formerly Senior Citizens Forum of Vidyanagar)
The Forum deeply regrets the demise of Sri
K.L.Wagh, President of the Senior Citizen Forum
Vidyanagar on 2nd September, 2010 . at the age of
76 years. Sri Wagh retired from Railways and
survived by wife and two children.
Sri Wagh was a trade union leader for 3 decades, worked
as Divisional Secretary in SCR. While in service, he
fought for the rights of the employees, got dismissed
and arrested during the strike in 1974 to be reinstated
later. He is the one of the key persons to work for the
Lalithanagar Welfare Association, successfully leading
a legal battle for vacating the park occupied by others in
the area. Sri Wagh is a very popular person in the area
always keen to serve the downtrodden.
Sri Wagh was Ward Committee Member for Adikmet
Ward, President of Lalithanagar Welfare Association and
President of Senior Citizens Forum, Vidyanagar at the
time of demise. He was very active member of the Day
care Centre in Lalithanagar. .
Sri Nayani Narasimha Reddy, former Minister, Sri
N.L.N.Murthy, Sri T.V.Reddy , other Committee
members of Lalithanagar Welfare Association, other
residents of Lalithanagar, Prof. V.Malleswara Rao and
other Members of Senior citizens Forum, Vidyanagar,
Sri P.Kishan Rao , President Vidyanagar Citizens
Committee and large number of Rly Trade Union Leaders
and other people paid their homage. The Adikmet Ward
Committee met on 29-9-10 and paid homage to the
departed member
4
5 Tarnaka Times, Sep. - 2010
Tarnaka Times, Sep. - 2010 6
 Extract of the letter to Mr.S.P.Singh, IAS, Chief Principal Secretary, R&B Dept.
Regarding concessions in RTC buses to Senior Citizens
There has been a persistent demand on the part of the would not travel often.
senior citizens in the state for fare concessions in the b) Any reduction of fare of more than 25% would bring
bus travel which has not been granted so far. Now we new customers to the Transport authority. Now, during
bring fresh proposals keeping in mind the constraints certain hours in a working day, during holidays and on
expressed by the transport authorities. certain routes, the Transport authority has been reporting
a) In reality, it involves very small number of seats: We less than full occupancy.
seek fare concessions for people above 65 years of age c) This encouragement to utilize the public transport
as priority group, whose number is less than 40% of the would lessen our pollution and other social costs,
senior citizens, who could be estimated to be around particularly, in growing urban areas.
60 - to 70 lakhs. Among them, those who can afford,
who are capable of traveling and who are willing to do so We, therefore, appeal to you to re-consider our proposal
would be lesser in number. For short visits, many of Yours sincerely,
them use other means like cycles and cars. And they -Hyderabad, 14th Sept.2010 Dr. Rao V.B.J. Chelikani

Arogyasri for Old Age Homes :

There is good news for those who are running elders
homes!
Consequent to the discussions we had at the
State Council meeting, presided by the Chief Secretary,
it is officially announced by the Chief minister that those
who reside in the old age homes would be covered by
the Arogya Sri programme for some of their health needs.
We propose the following :
1. Please identify among your inmates, those who
have a proof of having sixty years of age and take
them to the Assistant Director for the Welfare of
the Disabled and the Senior Citizens and request
him to issue the Identity cards.
2. These cards carrying the emblem of the
Government of Andhra Pradesh are printed by
FAPSCO and are already delivered to all the A.D.s.
There is a form to fill in and a photo to be attached.
The card will be attested and signed by the AD.
3. If he does not have them readily, please contact
us, we will send you a limited number.
4. Then, contact any official dealing with ARogya
Mitra, Any office of the Star Alliance Trust or any
Arogya Mitra counter, any MRO (Tehsildar) or any
important corporate hospital, etc. and seek
treatment.
5. He might probably ask for an attestation on your
part as manager of the Old Age home, that your
inmate is within below poverty line or is of modest
income.
6. Above all, I request you to see that there is no
abuse of this opportunity.
For any further clarifications, please contact us.
FAPSCO.

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7 Tarnaka Times, Sep. - 2010
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¡ ô¬ # `Œ~ŒßH› #°O_• N=°u N. M. ~Œ*è‰Þ× i ‹¬=¶"͉§xH÷ ‚¬ð[~¡†¶Ç ¼~¡°.
World Elders Day Celebrations : Centenarian Award :
The Department of the Welfare of Disabled & Senior Sri V.Tirupathi Rao
Citizens, A.P. Honouring the following eminent senior Dr. Vegiraju Venkata Rama Raju
citizens. Courage & Bravery Award :
Institution Award for knowledge : Sri Mamdur Timothy, (Anantapur)
Alzheimer’s and Related Disorders of India (ARDSI), Lifetime Achievement Award
(Hyderabad) 1.Smt. Kamakshi Hatti 2.Sri S.Sitharama Swamy,
Charla Vidula Kumari of Ganapathi Sastri Foundation, (Hyderabad)
Nidadavolu, (West Godavari District) Creative Art Award :
Dr. D.Naveen, (Warangal), Sri Janakirama Sastry,
Institution Award for Service : (East Godavari)
Old Age Home at Thummala Cheruvu, Piduguralla Sportsperson Award :
Mandal, Guntur District run by Smt. Mariamma Lalana Sri Pichayya, Sri Devendranath, Table Tennis
Old Age Homerun by Smt. Susheela Raj Reddy Trust Economic Leadership Award
at Ankapur Village, Nizamabad District and managed Dr. G.S. Raju, Vijayawada (Krishna)
by Gadda Raj Reddy
HelpAge India : Celebrates International Day of Older Gandhi Nagar Senior Citizens Association along with
Persons on 1st October 2010 at Necklace Road, Lions Clubs will be celebrating the World Elders Day
Hyderabad with the Hon’ble Governor as the chief guest. on 2nd October 2010, at A.V.College grounds,
Domalguda, Hyderabad.
The organizers of the above institutions request all the Senior Citizens to participate in the above functions in
large number to make the function a grand success.

Tarnaka Times Special Issue :

Eenadu 28-09-10, Tuesday

Tarnaka Times Proposes to bring out its October issue

with special news about various celebrations of World
Elders Day.
News Flash :

If you are not getting the issues regularly please

contact us immediately so that you don’t miss out the
October 2010 issue.
Contact : Balaji Residency, 12-13-705/10/AB, Gokul Nagar, Tarnaka,
Hyderabad - 500 017 Tel : 6450 4993, 6521 4993;
Fax : 2715 4118 E-mail : ifhd@sify.com

Tarnaka Times, Sep. - 2010 8

Standing Committee of Tarnaka Resident Welfare Administration(TF)
Association Sri.G.Jagadeswara Rao, Dr.I.Arun Kumar,
1. Discussion on setting up of Community Radio Dr.Rao.Chelikani
station in Tarnaka was held with the German Equipment and Operations
Delegation. It was decided to set up Committees Sri.V. Rama Rao, Dr.I.Arun Kumar, Sri.Syed Khaled Shah
for taking initial action. It was proposed by the T.F Marketing
members to study and make an analysis after
Sri.B.T.Srinivasan, Sri.Ch. S.V.R..Dhaveji,
visiting any existing community Radio scheme
Sri.K.L.N.Uday Kumar, Sri. Syed Khaled Shah
existing one. The report prepared by
Sri.G.Jagadeswara Rao C.A of Gokul Nagar was T.F.Programme
briefed to the residents by B.Om Prakash. Sri.B.Om Prakash, Sri.P.S.N.Kumar Yadav,
2. Sri.P.S.N. Kumar Yadav and Smt. G.Sujatha Ward Smt.G.Sujatha, Dr. Rao Chelikani
Committee members, present explained the issues T.F.Coordination
taken up. Sri. P.S.N.Kumar Yadav who pursued Sri.V.Rama Rao, Sri.B.T.Srinivasan, Dr.Arun Kumar Inala
with the Municipality on clearing of Grrapudekka T.T.Communication:
from the Patel Cheruvu and Yerrakunta; hoped that Ms.Naemi
a permanent solution would soon be sought for. The next meeting of T.T. shall be held on 7.10.10 at
He also informed the sage of Road laying in 7.p.m. Community Radio Committee 9.10.10. at 5.pm.
St.no.13, which is badly damaged.
3. It was suggested by Sri. T.S. Krishna Prasad that
a grievance book be kept in SCOTRWA office so
that Ward Committee members could take up
immediate action.
Community Radio Meeting:
In the meeting held after long discussion on the
community Radio issue at Tarnaka, Roles and position
of different RWA members were fixed to initiate the
scheme.
Three different Task Force Committees were set up
with following.
As reported by B.OmPrakash

DECCAN GRAMEENA BANK

Govt.of India Undertaking
(Sponsored by State Bank of Hyderabad)
TARNAKA BRANCH
H.No.12.13-645, Plot No.1G, Sree Niliyam Nagarjunanagar, Tarnaka, Secunderabad 500 017
The Regional Rural Banks (Grameena Banks) were established under RRBs Act 1975 enacted in Parliament. Grameena Banks were
established under this Act throughout the country. The Share capital of these Banks is owned by Central Government, Sponsor Bank and
State Government in the ration of 50 : 35 : 15.
v Attractive deposit rates compared to other Public Sector Banks. v Banker cheques, Demand Drafts, Lockers & clearing of cheques.
v Mortgage loans, Education loans, Personal loans available. v Housing loan @ 9.50% for entire loan period.
v Gold loan on all working days, Rs.1300/- per gram @ 13% per annum upto Rs.1.00 lac and 13.50% per annum for above Rs.1.00 lac.
BANK OFFERS COMPETITIVE RATES ON VARIOUS DEPOSIT SCHEMES INTEREST RATES OFFERED BY THE BANK ARE AS UNDER:

S.No. Period Rate of Interest For Senior Citizens :

0.50% Additional Interest.
1 15 DAYS TO 45 DAYS 3.25%
Tax Saving Scheme :
2 46 DAYS TO 90 DAYS 4.25% Sri Rama Raksha Deposit Scheme
3 91 DAYS TO 179 DAYS 5.50% - 5 years 7.75%

4 180 DAYS TO LESS THAN ONE YEAR 6.50% Business Hours :

5 1 YEAR TO 2 YEARS
6 2 YEARS TO LESS THAN 8YEARS
8 YEARS & UPTO 10 YEARS
Monday to Friday : 10.30 A.M to 4.30 P.M
7.75%
Saturday : 10.30 A.M to 1.30 P.M
7.75%
For Further Details Contact :
8.00% Branch Manager Tel : 040-27156388, 94910 41954

9 Tarnaka Times, Sep. - 2010

 Wanted
Teachers

TARNAKA TIMES VOL. No. 2 ISSUE No. 68 SEP. '10

STANDING COMMITTEE OF TARNAKA RESIDENTS' Postal Regn. No. H/SD/428/2009-11
WELFARE ASSOCIATIONS (SCOTRWA)
r BOOK-POST
Balaji Residency, 12-13-705/10/AB,
Matte
d
Gokul Nagar, Tarnaka, Hyderabad - 500 017
rinte
Tel : 6450 4993, 6521 4993; Fax : 2715 4118 P
E-mail : ifhd@sify.com Web site : www.ifhd.org
Printed, Published, Owned and Edited by
__________________________________
Dr. RAO V.B.J. CHELIKANI
Associate Editor : P. L. Menon __________________________________
Annual Subscription : Rs. 50/-
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Lane Opp. to Andhra Bank, Tarnaka,
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Tarnaka Times, Sep. - 2010 10