Monday, December 29, 2014

Protest demonstration on 29th December '14

Having failed to get the Insurance Bill passed in Rajya Sabha during winter session, the Government routed the reform to increase the FDI in insurance sector from 26% to 49% through ordinance.

The ordinance was promulgated by the President of India on 26th December 2014.

To oppose the move, the joint front of unions in LIC (NOINO is also a part of which) has decided to hold a gate demonstration during lunch hour on 29th December 2014 i.e. Monday.

All officers and employees are requested to participate in the demonstration and make the protest 100% successful.

Tuesday, December 23, 2014


Today i.e. 23rd December 2014, NOINO submitted a protest letter to LIC management on PLLI released yesterday. The text of the letter is given below:


The Executive Director (Personnel),
L.I.C. of India.

Dear Sir,

Re: PLLI for the year 2013-14

   The instructions for the release of PLLI for the year 2013-14 have been issued. The employees, particularly working in divisions & branches are bitterly disappointed to say the least. The same old story is being repeated. The employees were patient & understanding enough to wait endlessly with a fond hope that this time at least they would get a PLLI on the basis of current basic instead of the pre-revised basic pay of 2007. The circular issued yesterday proved to be a dampener.

   You are aware that NOINO has raised several valid points in the past (refer our letters dated 30.11.11 & 6.11.13 as also our several meetings) objecting to the various aspects that are a part of PLLI. At the cost of repetition, we would like to point out the same once again:-

  1. Equal percentage:-  The percentage of PLLI payable should be equal to all employees. Paying different percentages to each office divides the employees & causes unrest. This does not bode well for an institution which is facing intense & stiff competition. Here, the basic point is that the policy making/devising strategy is done at Central Office level in all matters be it devising plans, marketing strategy, provision of manpower, publicity of our plans et al. The success or otherwise of the institution largely depends upon these policies/strategies.  Branch/Division employees have no say in all these matters. So, it is paradoxical & ironic that the branch/division employees may get less PLLI than that of the Corporate level. Hence we maintain that equal percentage of PLLI should be paid at all levels.
  2. Too many parameters :- Too many parameters have made this concept complicated. We have been insisting on a single parameter e.g. increase in Total income.
  3. Payment on pre-revised annual pay of August 2007:- We have been insisting that the payment should be based on current annual pay.
  4. Performance parameters to be made public (to employees) :- How many employees know what the performance parameters are? How can we expect the employees to achieve the target without knowing it? We reiterate that the performance parameters should be declared before the commencement of the Financial year & all the employees should be in the know of the same.
  5. As far as the parameters itself are concerned, we have also written to you in the past as to how in the case of most of these parameters the employees working in branches/divisions/Zonal offices have no control over & no say in these. Although some of our concerns expressed earlier have been taken care of in the new Matrix for PLLI, our reservations on some points like skill enhancement through training of agents; micro-insurance schemes; e-governance etc. still remain.

   Once again we reproduce the relevant part of our earlier letter which needs to be thought over:-

The objective of any Incentive scheme should be motivating the employees in putting in their best instead of demoralising them. As it is, due to the artificial & low ceilings, an overwhelming majority of the employees have been deprived of the bonus for years together. BMS, the Central trade union to which NOINO is affiliated has putting forth its view that bonus is nothing but deferred wages which is a cushion for inflation not taken care by the skewed DA formula. PLLI could have been our own answer to deferred wages & also an alternative to break away from the “bank pattern”. It still can be, if rational & reasonable suggestions from the employee organizations are heeded.”

   We feel that the management should view the whole concept of PLLI once again in the light of the above valid points so that it doesn’t become a meaningless & frustrating exercise. We demand that all the points above should be taken into consideration & the PLLI should be restructured.

Yours faithfully,

Dattaraj Prabhukhanolkar

Friday, December 12, 2014


NOINO has decided to observe a one-day strike against the proposed hike in FDI in Insurance from 26% to 49%. NOINO has been consistently opposing the introduction as well as hike in FDI in Insurance. Our stand remains unchanged. Our Central Trade Union, Bharatiya Mazdoor Sangh (BMS) has also given a clarion call to all trade unions to oppose this Bill. 

THE STRIKE WILL BE OBSERVED ON THE FOLLOWING DAY (NEXT DAY) OF THE PASSAGE OF THE INSURANCE LAWS (AMENDMENT) BILL, 2008. Almost all the trade unions in LIC have decided to join hands for this strike.

We appeal to all the employees and officers to make the strike a grand success.

Wednesday, November 26, 2014


The 19th Extended EC meeting of NOINO was held as scheduled at Mysuru on 24th & 25th November 2014. More than 200 delegates from all over the country covering all 8 Zones attended the meeting. Representatives from far-flung areas like Silchar, Bongaigaon, Jorhat, Kottayam were present. 30 female officers attended the meeting. Following is the report of the meeting:

DAY-1: 24th  November 2014


The meeting commenced with Deep Prajwalan, Vishwakarma Poojan & Shramik Geet. After the welcome address by Shri V Ramchandra G.S., Mysuru Unit, Shri Y.N. Murthy, Secretary, NOINO introduced the dignitaries on the dais. All dignitaries were welcomed, thereafter, with bouquets.

On behalf of BMS Shri Ramkrishna Punja, State President of BMS for Karnataka Pradesh, reviewed the current scenario and emphasized that even though the Government had changed we had to be alert for struggle against anti labour policies of the Government. He stressed that BMS was now leading the labour movement of India. All other Unions with different ideologies, in the joint front of all Central Trade Unions, are fighting the battle as per the guidelines of BMS.

On behalf of Central Committee Dr. S B Sharan, Working President of NOINO delivered the key-note address. In his speech, while noting that NOINO is the fastest growing union in LIC, he also took note of the grim economic situation at the National and International level. He also dwelt upon the set-back in business as well as renewal premium in LIC as also on the slow pace of decision making on the part of the management.

The key-note address also stressed the need to keep the internal customers, viz. the employees, happy & contented.

The Chief Guest Shri P. Shridhar, SDM, Mysuru took stock of the changing situation in LIC where over the years the focus and dependability has steadily shifted from the Assistant cadre to AAO/AO/ADM cadres.


   On behalf of NOIW (BMS) Shri B.K. Sinha, All India Organizing Secretary attended the meeting. He recalled the formation of NOINO, the initial meeting at Patna and growth of NOINO & NOIW through mutual coordination. He urged the gathering to move ahead in the same fashion as we did in the past i.e. through mutual coordination and cooperation and strengthen the wings of BMS.

The vote of thanks for inaugural session was proposed by Shri Lakshmendra Kumar, President, NOINO, Mysuru Unit.



A video message by Shri Prakash Javadekar, Union Minister for Environment was telecast on a big screen. Shri Javadekarji expressed regret that he couldn’t attend NOINO Ext. EC meeting due to Parliament session. However, he said that he was always with NOINO. He also expressed his concern about the pending issues of LIC employees like one more pension option, wage-revision, child care leave etc. He said that since the FM was not keeping well earlier, these issues could not be taken up vigorously. However, now that he (the FM) is fit & fine, he assured the audience that he would be conducting a meeting of the Finance Ministry officials shortly & would make all efforts to solve the issues.

The gathering gave a thunderous applause to its President.


Smt Anagha Sant, GS, NOINO took stock of the current situation & the activities of NOINO during this crucial period. She also put forth her report before house for discussion and approval. The highlights of the GS report are as under:-

i) Formation of various units, AGMs, Reconstitution of Committees etc.
ii) During these 12 months, we met the management in CO number of times and raised several issues like wage-revision, one more pension option, recruitment in Class III/IV, late sitting, child care leave/sabbatical leave for female employees etc.         
iii) During this period we wrote letters to the management on various issues as above and follow-up was taken.

Thereafter Shri Sanjay Ramdasi, All India Treasurer presented the Treasurer’s report. Both the reports were approved by the House amidst thunderous applause.


After a brief self introduction by over 200 participants from all over the country, the Zone-wise reporting by Zonal Secretaries commenced.

The Zonal Secretaries’ reports took stock of the zone wise membership, tours undertaken, planning for opening of new units, activities carried out in the Zone etc. The assembly noted that even though NOINO is growing everywhere & the officers are happy with our activities, we have wider scope to strengthen the roots of NOINO and expand coverage to each and every officer of the Corporation.


     Shri Rajesh Dubey, All India Organizing Secretary, initiated the discussion. The discussion was based on the comprehensive note submitted by NOINO on 25.8.2012. Zone wise representatives participated in this session. The session was very lively & many useful suggestions came out from the participants as also examples from one’s own experiences were quoted. The session showed the loyalty, affection & involvement of the activists towards the organization.

                             GATHERING OF BMS PARIWAR

       In the evening, there was a gathering of like-minded organizations of BMS. It is pertinent to note that many employees who did not belong to BMS Pariwar also attended this gathering. Shri Dattaraj Prabhukhanolkar, All India Resident Secretary, NOINO & Shri Ganesh Kamath, Chief Advisor, dwelt on the subject “Why NOINO?” & listed the achievements of NOINO as also the reasons why the officers who have not yet joined NOINO should join it. The House was very much impressed by their speeches.

DAY-2: 25th Nov 2014

Shri Baijnath Rai, President BMS and Shri K. Lakshma Reddy, I/C Financial Institutions, BMS also shared their thoughts which were very  informative and inspiring one. They dwelt on the development of organizational setup and relation building by encashing social occasions. They suggested that regular interaction and meetings help to strengthen the relations and are useful for faster growth of the organization. They expressed happiness over NOINO being the fastest growing organization in LIC. They also stressed that the activities of any organization should be on regular basis as per the requirements of the organization. They not only appreciated the activities of NOINO but blessed us for the great success in coming future too.

They said that the organization should grow like a tree so that its members can get both shelter and fruits from it. Each member should have a set target of enrolling new members. Everybody present was inspired by their speech and presence among us.  


The house unanimously passed the following resolutions after elaborate deliberations:-

1.  Speedy settlement of Charter as per the aspirations of the Class I officers
2.  PLLI for the year 2013-2014
3.  Leave Travel Concession
4.  Sabbatical Leave / Child Care Leave for Women Officers / Employees
5.  One more option for pension to employees.

During lunch-hour, Mysuru Unit had arranged a huge gate meeting at Divisional Office. All the veteran leaders of NOINO along with the delegates and activists marched towards the Divisional office building. The meeting started in time after usual slogan shouting by activists and delegates. General Secretary of Mysuru unit Shri V Ramchandra welcomed all the delegates as well as the leaders on behalf of Mysuru unit.   He briefly narrated that the very purpose of the meeting being held at Mysuru is that the South Central Zone unit of NOINO is emerging as a leading unit in southern region.

Shri Rajesh Dubey, Organizing Secretary, NOINO compered the whole meeting. He regaled the audience with his never ending quota of Sher-o-Shayaries which were apt to the occasion.

Starting with the need of NOINO and its great achievements, Resident Secretary Shri Dattaraj Prabhukhanolkar appealed all to join NOINO and strengthen the class-I unity.

General Secretary Smt Anagha Sant reviewed the latest struggles by NOINO and what has been achieved by us for the class-I community. She also stressed that the new officers should contribute to the growth of NOINO in South Central Zone.

All India Chief Adviser of NOINO Shri Ganesh Kamath talked on the practical aspects of organization. His direct, no-nonsense & unconventional approach had a telling effect on the gathering. He focused on the unique features of NOINO like having a lady as a General Secretary; fast & authentic communication; yearly reporting of activities etc. In his inimitable style Kamathji kept the audience in good humour. He expressed gratitude for the active support given by our Honorable President, Shri Prakash Javadekarji, to (all Class-I officers on all issues including FDI, Charter of Demands, One more pension option etc.). He said that it was pertinent to note that Javadekarji had been in the forefront of our struggle for all the pending demands. He also added that a strong emphasis had been laid on the following points:-

·                      To start fruitful discussions on charter of demands immediately.
·                      One more option for pension not linking with the wage revision.
·                      Recruitment of new officers as well as Class III employees in LIC.

He reminded that the settlement of wage revision in 2010 had been because of the strong support given by Javadekarji to the struggle of NOINO. He also reiterated NOINO’s firm opposition to the hike in FDI in Insurance sector.

After vote of thanks by Shri Lakshmendra Kumar, President, NOINO Mysuru unit the meeting concluded with robust slogan shouting.

                              POST-LUNCH SESSION—25.11.14
The following All India committee was unanimously elected for the next three years:-

            1. President:- Shri Prakash Javadekar, Union Minister.
            2. Working President:- Shri Pulak Kumar Dey (EZ)
            3. General Secretary:- Shri Dattaraj Prabhukhanolkar (CO)
            4. Organizing Secretaries:-
             a)  Shri Rajesh Dubey (NCZ)
             b)  Shri Vishwas shastri (WZ)
            5. Vice-Presidents:-
             a) Smt Anagha Sant (WZ)
             b) Shri Sudhir Ranjan Nema (CZ)
             c) Shri Sudhakar Mishra (NCZ)
             d) …………………………. {ECZ (to be filled-in after formation of ECZ full committee which is in process)}
            6. Joint Secretaries:-
               a)  Shri Y.N.Murthy (SCZ)
               b) Shri Shibabrata Saha (EZ) 
               c)  Smt K. Mallarkodi (SZ)
               d)  Shri R.S.Yadav (NZ)
            7. Treasurer:- Shri Sanjay Ramdasi(WZ)
            8. Assistant Treasurer:- Shri Shrikant Thombare (WZ)

Chief Advisor: Shri Ganesh Kamath

EC members:

            1 – 8. All 8 Zonal Secretaries (ex officio)
  9. Smt Trupti Brahme (CO)
 10. Smt Ankita Rane (WZ)
 11. Shri Ketan Purandare (CO)
 12. Smt Neeta Prabhavalkar (CO)
 13. Shri Milind Wagh (WZ)
 14. Shri Sanjay Patil (WZ)
 15. Shri Ram Vadalkar (WZ)
 16. Shri Naushad Ali Shaikh (CZ)
 17. Shri Narendra Nath Patwari (EZ)
 18. Shri R.K. Dubey (NCZ)
 19. Shri G.S.L. Shrivastava (NCZ)
 20. Shri S.K. Saini (NZ)
 21. Shri A.R. Baba (NZ)
 22. Shri B.S. Manjunatha Rao (SCZ)
 23. Shri S. Ganeshan (SZ)
24. ……………………. {ECZ (to be filled-in after formation of ECZ full committee which is in process)}

Newly elected General Secretary Shri Dattaraj Prabhukhanolkar thanked house  for extending him the opportunity to serve class I officers in LIC and assured the house to work hard for fulfillment of their expectations.

The concluding speech was delivered by Shri Ganesh Kamath, Chief Advisor, NOINO. Shri Kamath congratulated the newly elected committee & exhorted all the delegates to lend full support to it by actively participating in the union activities. He stressed the need to further strengthen NOINO & laid stress on self-assessment instead of waiting for sermons & instructions. He once again laid emphasis on self-evaluation, self-disclipline & working honestly for the organization to take NOINO to new altitudes. He warned against complacency & advocated the need of live contact with the members as well as the management. He reminded the delegates about the importance of media & communication to stay in the race.

In his maiden address newly elected Working President Shri P K Dey expressed his gratitude towards the Organization for entrusting the work of Working President to him. He recalled the sacrifice & hard work of the activists in the initial years of NOINO which helped NOINO flourish & gain ground. He assured the House that he would work hard to live up to the expectations of all.

He further said that the NOINO Central Committee will meet LIC management shortly for expediting the Wage negotiation talks and for the demand of one more option for pension so that we can achieve the two issues at the earliest. He also emphasised the need for a codified, uniform & transparent Transfer Policy and the 33 points note on this subject submitted to management by NOINO on 25th August 2012. He also mentioned that LTC reforms / Sabbatical/Child care leave were also on the agenda of NOINO. He also reiterated our firm opposition to any further hike in FDI in Insurance sector in accordance with BMS principles. He appealed to the House to be in readiness for a struggle to protect the interest of the Class-I officers & the LIC as a whole.

The Central committee expressed great satisfaction at the way the 19th Extended EC meeting was held. The tastefully & artistically decorated venue with Cultural heritage of Mysuru in background, the magnanimous & warm hospitality extended to the delegates gathered from throughout our country and comfortable accommodation  provided to the participants are indeed praise worthy and also the reflection of the hard work of the organizers. On behalf of Central Committee mementos were presented to all the activists of Mysuru.

On behalf of the entire team of NOINO Shri V. Ramchandra GS, NOINO, Mysuru Unit extended vote of thanks for all those who helped in the successful conduct of the meeting.

The meeting ended with Sampoorn Vande Mataram.

Saturday, August 16, 2014

Management calls for Information Sharing

LIC Management has called all Unions for Information Sharing on 27th August 2014 i.e. Wednesday for one day only. They have not stated any particular subject(s) for sharing.

Wednesday, August 13, 2014


A NOINO delegation consisting of Shri Ganesh Kamath, Chief Advisor, NOINO; Shri Manish Patankar, All India EC member & Smt Trupti Bramhe, All India EC member, met Shri M R Kumar, ED(P) today i.e. on 13th August 2014 and raised the following issues:-

  1. One more option for pension:- We once again raised this demand & asked about the status of this issue. ED replied that the management was making all efforts to realize it & expressed confidence on this issue.
  2. Wage-revision:- We once again demanded that the management should immediately invite the organizations for talks on wage-revision. ED replied that it is likely that the unions would be invited in the near future on this issue.
  3. Withdrawal of various benefits:- We expressed our resentment over the withdrawal of various benefits like withdrawal of mementoes to AAO’s & AO’s, LTC benefits etc & demanded immediate restoration. ED replied that as far as the withdrawal of LTC benefits was concerned, it was done on account of Government directives. However, he said that the matter would be taken up with the government. As far as the withdrawal of mementoes to AAO’s & AO’s was concerned, it was a matter under OS purview, but ostensibly, it was done to cut down the expenses. We, however, protested this withdrawal & demanded its immediate restoration. ED assured to examine the demand.
  4. Bio-metric attendance & withdrawal of meal coupons:- We pointed out various newspaper reports in this matter & inquired about the exact position. ED replied that the concept was not bio-metric attendance but bio-metric login, meaning a mere shift from the login on PC to biometric login to prevent impersonation & frauds. On the issue of meal coupons, he said that there was no such proposal of withdrawal of meal coupons at the moment.
  5. Recruitment in Class III/IV:- We once again raised this demand. ED replied that the management was making all efforts to remove the impediments caused due to litigations & expressed confidence that it would be removed soon.
  6. GTIS (Insurance for commuted value of pension):- ED informed that the limits are likely to be enhanced shortly. We reiterated our earlier demand of giving one more option for those who have opted for pension but are not part of this scheme. ED was positive on this demand.
NOINO will continue to raise the issues of Class-I officers of LIC of India.

Wednesday, July 23, 2014

59th Anniversary of BMS

Today is the 59th Anniversary of Bharateeya Mazdoor Sangh (BMS), the Central Trade Union to which NOINO is affiliated. BMS was formed by Shraddheya Dattopant Thengadji on 23rd July 1955 in Bhopal. It is interesting to note that the National Committee of BMS was formed 12 years later, i.e. in 1967!!. Till then, the activists worked without any formal posts!! Today, when in all fields, we see people clinging to money & posts, the difference is stark.

We will continue to be inspired by Late Thengadiji's principles of "Ideals, not individuals" & "Work is Worship". We will also not forget that the Nation comes first, then the Industry & then the individual employee. Only when the Nation prospers, will the Industry grow, & only when Industry prospers, the employee will prosper.

Today, BMS is the largest Central Trade Union in India. We are proud to be associated with it.

BMS Zindabad!!
NOINO Zindabad!!

(by Shri Ganesh Kamath, Chief Advisor, NOINO)

NOINO writes to Chairman on wage-revision & pension-option

NOINO today wrote to the Chairman, LIC of India for wage-revision and one more pension-option. The letter is reproduced below:

The Chairman,
L.I.C. of India.

Respected Sir,

Re:  Wage revision & pension option

The wage-revision of LIC employees is due since 1st August 2012. National Organization of Insurance Officers (NOINO) submitted its Charter of demands on 23rd July 2012.  However, till now the talks on wage-revision have not commenced. The employees are restless due to this.

The 22nd All India Executive Committee Meeting of NOINO was held on 9th and 10th June 2014, wherein EC members across the country were present. The assembly expressed its concern over the delay in the talks.

The employees were expecting that some offer would be coming on wage-revision in the Information Sharing Meeting on 13th & 14th February 2014. We were   disappointed to find that there was no offer forthwith. However, in that meeting, an assurance was given by the management that the unions would be invited again very shortly with some concrete offer on wage-revision. We are again disappointed to find that till date that has not happened. There is also no information forthcoming from the management as to what steps are being taken for an early & satisfactory settlement.

We were given to understand that the LIC management is making efforts for one more (final) option for pension before & outside the wage-revision. Nothing has materialized even in this regard.

These two issues are of utmost importance. However, the delay in settling both these issues has given rise to resentment.

We, therefore, demand that the management should immediately invite the unions for talks on wage-revision as well as other pending issues.

Yours faithfully,
Anagha Sant
      GS, NOINO

Wednesday, July 16, 2014


An unfortunate incident happened in Warangal. An ABM(S) committed suicide citing harassment from senior officials of LIC. This has caused a lot of consternation, worry & unrest among the ranks of the officers. This gives rise to the following points:-

If indeed the suicide was due to the harassment & humiliation by senior officials, the management at the highest level, should sit up & take serious note of it. This should not be & cannot be dismissed as a one-off extreme case. No leniency should be shown to the officials alleged to have driven the person to take such an extreme step.

No attempt should be made to brush the follies of anybody under the carpet. The management should come out with a statement in this matter to clear the air. It should also specify what exact action is being taken in this matter.

As it is, Class I Officers are feeling frustrated. They are working under immense pressure. The outdated & hackneyed system of extracting work by harassment & humiliation should go lock, stock & barrel.  Just consider the impediments with which a Class I Officer works:-
a.    No recruitment in Class III & IV. They have to perform non-supervisory functions.
b.    No overtime or compensation for continuous late sitting.
c.     No security for working after office-hours especially female officers.
d.    Inadequate promotion opportunities.
e.    Inconvenient postings on promotion, if any.
f.      No progress on wage-revision front for last 2 years.
g.    Withdrawal of LTC benefits.
h.    Withdrawal of mementoes distributed in conferences for AAO’s & AO’s.

Only the other day, an officer deputed from HRD-OD of CO came to the WZO & demanded (from all classes of employees) as to what jobs they were doing. The officer then noted everything. This is absolutely ridiculous & insulting.  Suddenly we got a feeling that we were being watched & on a tight leash. This big-brotherly attitude & treating the officers like criminals should go. Is this the ideal environment for the growth of the Corporation? Where are we leading to?

A section of MM’s & SDM’s feel that only through humiliation & pressure, would the marketing officials perform. They should understand that the frustration & anger in the officers is building up & should mend their ways immediately to prevent a snowballing of the crisis. The practice of calling the officers on Sundays & holidays should stop forthwith.
On one hand, marketing officials are being pressurised. On the other hand some divisions have reported that the Divisional authorities are forcing the officers in administrative side to perform marketing activities. As it is, the officers are having their hands full.

The officers should also think over the following:-

Whether it is worth to take so much pressure? Is it worth to put our neck on the guillotine? Only when one has the courage to say a big “NO” at the point one feels that one can’t take the stress, the troubles will recede. Heavens will not fall if we say no. NOINO has been at the fore-front on bringing to the fore all these issues. The officers should rally round it.

The management at the highest level should also introspect on the following issues:-

What is the frequency of Information Sharing meetings? Whether Information Sharing meetings are held at Zonal & divisional levels If there is no vent for pent-up feelings & no free exchange of thoughts it will stymie the growth of the institution.

Why is that we are not doing well? Is it because of wrong strategies? If so, how can we blame the marketing officials? We have only a few plans in the market? Is it because the IRDA is stalling our proposals? Or is it because we have not pushed for enough plans?

Whether we are taking officers at all levels into confidence while taking policy decisions or are we just dictating them?

A relaxed person gives more output than a disturbed & a pressurised one. The sooner we realise this, the better. An overwhelming majority of our officers are matured & responsible enough to understand the responsibilities they shoulder. They don’t expect the senior officials to mollycoddle them. But then neither do they expect that they should be humiliated & pressurised.

Lastly, an appeal to all. We all are very concerned about this issue. But let this concern not be a short-lived one. Let the concern not be confined to mere lip-service. Let us come together.  Remember what Swami Vivekanand said:-

Be not afraid of anything. The moment you fear, you are nobody. It is fear that is the greatest cause of Misery in the world. It is fear that is the greatest of superstitions. It is fear that is the cause of our woes, and it is fearlessness that brings Heaven even in a moment. Therefore, “Arise, Awake, and stop not until the goal is reached

And the goal is definitely not to get humiliated, pressurized and disturbed. Our goal is to live an honourable, peaceful and social life.

Please cultivate the habit of saying a firm “NO” before the water starts flowing above your head…!!!

Friday, July 11, 2014

Why NOINO is opposing raise in FDI in Insurance


  1. Such a hike is nothing but a ruse to accommodate the Multinational Insurance companies who are bent upon filling their own coffers with little or no concern for the nation. A simple logic is that a person(in this case a foreign partner) contributing 49 out of 100 Rupees will henceforth take away 49 Rupees as profit instead of 26 Rupees earlier.
  2. The track record of the private players doesn’t enthuse any confidence. The cumulative losses of these private players have run into the tune of 18000 crores.
  3. While the ratio of premium income to the GDP increased from 2.15% in 2001 to 3.4% in 2011, it is interesting to note that a  mere 34.3% of such increase came from 22 private players, while 65.7% of the increase came from LIC. Has the introduction of FDI really helped?
  4. The private players are usually tom-tomming about their so-called efficiency. It is shocking to note that private players repudiate 10% of their death claims while LIC doesn’t repudiate even 1% of its death claims.
  5. Since the private players entered the fray, the canvass of the LIFE Insurance business has changed. Earlier, the maximum thrust was on non-unit-linked business. LIC was not allowed to invest even 10% of its funds in equities. After privatization, the rules were changed ostensibly to pamper the private players. About 80% of the business transacted by the private players was unit-linked. If a substantial part of the business is Unit-linked or even single premium, it cannot be termed as Insurance in the strictest terms. It is more of an Investment rather than Insurance. Thus, the objective of Insurance penetration is not achieved.
  6. Life Insurance has traditionally been a long term business. It has been converted into a short term one with this type of trend which has nothing but disastrous consequences.
  7. LIC has always been in the fore-front & acting as a stabilizing factor in a volatile market. It has been contributing tremendously in the infrastructure of the nation. E.g. in the FY 2011-2012, it invested 8.20 lakh crores in Government & social sector. Pumping in more & more FDI would mean trying to cover up the inefficiency of private players at the cost of LIC & at the cost of nation. It would be like “robbing Peter to pay Paul”!!
  8. It is pertinent to note that the Parliamentary Standing committee, headed by Shri Yashwant Sinha had rejected the proposed hike in FDI.
  9. The government opened the insurance sector in order to accelerate the rate of growth of premium income as well as insurance penetration in the country. But, there is only deceleration in premium growth and stagnancy in insurance penetration.
  10.  The private life insurance companies deployed 40000 crores as capital & acquired a total premium of only 80000 crores out of which 30000 crores was towards First Year Premium. In sharp contrast, LIC didn’t deploy any capital. In fact, it generated a solvency reserve of 60000 crores in the same period(from 2000-01 to 2013-14) from internal resources.

Dr S B Sharan

Thursday, July 10, 2014

FDI hike in Insurance – proposed by FM in Budget

Dear Brothers & Sisters,

We learn that the Union Finance Minister, Shri Arun Jaitley, has proposed a hike in FDI in Insurance from 26% to 49% in today’s General Budget.  We strongly protest this move.

You may recall that NOINO was in the forefront along with other BMS affiliated unions in LIC in the agitation against the proposed hike during the UPA-II tenure. Our stand of opposition to this hike remains unchanged. We call upon the employees to be ready for any struggle against such move.

Dr. S B Sharan

Monday, June 2, 2014

Consumer Price Index

Consumer Price Index for April 2014 is 242. If it remains the same for next 2 months then DA shall rise by 22 slabs w.e.f. 01.08.2014.

A mischievous act

Certain people with mischievous intent are circulating some false message in NOINO’s name regarding Furniture Advance. In this respect, please note that:

 1. Any office-bearer of NOINO has not sent any such message.

 2. Only if you receive any message from NOINO office-bearer’s cell number, please consider it authentic.

- NOINO Central Committee

Wednesday, April 30, 2014

Promotion Policy - NOINO writes to management

NOINO today wrote a letter to LIC management on current promotion policy of the Corporation. The letter is reproduced below:


The Executive Director (Personnel),
L.I.C. of India.
Central Office, Mumbai

Respected Sir,

Re: Promotions and transfers 2014-15

 We have studied the office orders issued by CO for Promotions to the cadres of AO to DM. It seems that the management has decided to displace majority of the officers on promotion. We have been continuously raising this issue at various levels & have been placing our views orally as well as in writing. We have also submitted a comprehensive letter on this issue vide our letter dated 25.8.2012 wherein we have submitted our views on 33 points. At the cost of repetition, we have the following observations to make:-

  1. While displacement on promotion in itself should not be a problem, the degree of displacement is the bone of contention. There are some questions which arise from this year’s policy which would be brought out in the following points.
  2. The management has taken a unilateral decision while posting the officers, particularly those promoted to ADM cadre in other Zones. Any progressive management would take into confidence the unions & discuss before taking any policy decision. This has not been done.
  3. The policy keeps on changing from year to year which keeps the officers on tenterhooks. We have been advocating a codified transfer-promotion policy since long.
  4. Whether the current policy benefits the Office or the officer is a debatable issue. Many officers do not accept the promotion due to change of Zone & the vacancies remain unfilled. Thus, it doesn’t benefit the Office.
  5. Many officers have waited since long to be considered for promotion. After waiting so long & working sincerely, they are given such postings which don’t help.
  6. An argument is usually forwarded by a section of management that exposure is needed for these officers so that in the future they would be more equipped for higher posts. In this matter, we should note that most of the promotee officers are in their 50’s & it is unlikely that in the remaining 10 odd years, they would occupy a very high post. Thus, is there a real need for the so-called exposure?
  7. It is observed that in the Central Zone, only one officer has been promoted from the Zone itself. Why such situation has arisen is a matter to be pondered upon. Is it because a lack of long-term planning? Is it because the superiors are not well-acquainted as to how CR’s are written?
  8. It is observed that many officers from other Zones are posted to CO departments. Many of them are not happy. It is difficult to concentrate on one’s job when one is away from one’s family (if the family is not in a position to shift). To that extent, their efficiency goes down. A perennial shortage of staff quarters is also created by such postings in Mumbai.
  9. What is the logic behind changing Zones? E.g. there would not be much of a language problem when an officer is posted to NCZ from NZ & vice-versa. However, it would definitely act as a barrier when say, an officer is posted on promotion from SCZ to SZ & vice-versa.
  10.  The distance of displacement is also an important issue to be considered. When an officer is posted to Nanded(WZ) from Hyderabad(SCZ), he has to travel approximately 270 kms, while an officer posted in the same Zone e.g. from Mumbai to Nagpur has to travel approximately 840 kms. It seems illogical.
  11. It should also be noted that many officers have missed promotion though they have put in a lot of sincere efforts.
  12. According to our information, following is the percentage of cancellations in promotions for the last 5 years:-

% cancellation






% cancellation

% cancellation

As you may observe, the percentage of cancellations is rising, particularly in the AO to ADM cadre. This is also due to the fact that the vacancies have either remained stagnant or have shrunk. A codified transfer-promotion-posting policy in consultation with NOINO is therefore, the need of the hour.

  1.  The officers are already feeling frustrated due to:-
a.    Long hours of work without any compensation whatsoever.
b.    Pressure of work due to severe shortage of staff.
c.    Ignominy of performing non-supervisory duties.
d.    Humiliation from a section of superiors on under-performance due to factors beyond control.

Now, after enduring all the above & a long wait for promotion, they have been subjected to this double whammy. The management is also not helping matters by not considering several of our suggestions which would reduce frustration:-

  1. Running scales.
  2. Grade pay.
  3. Special increment if an officer continues in the same cadre without promotion for 10 years as in Central government.

We, therefore, demand:-

  1. Immediate reversal of the decision to post the officers to other Zones. (particularly those promoted from AO to ADM)
  2. A two-day workshop with NOINO on “Codified Transfer-Promotion-Posting Policy” should be conducted immediately.

We hope for a positive response.

Yours faithfully,

Anagha Sant