होली
की
हार्दिक शुभकामनाएं !
Wish you and your family a very happy HOLI!
Monday, March 17, 2014
Thursday, February 13, 2014
INFORMATION SHARING MEETING WITH CHAIRMAN, LIC
As
scheduled, the Information sharing meeting was conducted on 13.2.2014. The
meeting began with a Joint session consisting of all unions.
JOINT
SESSION
The management was represented by the
Chairman Shri S K Roy, all the Managing
Directors, ED (Personnel) & Director (MDC). NOINO was represented by Dr. S B Sharan, WP, NOINO; Shri Rajesh Dubey, OS, NOINO; & Shri Dattaraj Prabhukhanolkar, Resident
Secretary, NOINO. The ED (P) initiated the meeting. All the Managing Directors spoke one by one about
their own Departments. Then the Chairman spoke. In his speech, he took stock of
the Economic environment in the country & the world. He also lauded the
Corporation’s performance in spite of the stiff competition. He also made the
following points:-
1.
Biometric system of
attendance was being considered to replace the present system of Concurrencia.
2.
Mobility of employees was
suggested.
3.
Increase in cash hours by
one hour.
4.
The limits of
reimbursement of High Cost Protracted Treatment would be revised - with the
restriction of two chances likely to be removed & employees could be able
to avail up to 90% of the total cost after availing of mediclaim
re-imbursement.
5.
The limit of Group
Personal Accident policy which at present is 5 lakhs for all cadres is likely
to be revised with a structured cover ranging between 10 to 25 lakhs.
However, contrary to the expectations, he did not make any offer of wage-rise
in his speech.
On behalf of
NOINO, Dr. S B Sharan, Working President, NOINO, responded to the
Chairman’s and MDs’ speeches. He expressed deep disappointment that no offer of
wage-rise had been given. He said that considering the various factors like
increasing inflation, increasing work-pressure on Class I Officers due to
inadequate staff, continuous late sitting without compensation, an outstanding
performance in spite of stiff competition (retaining & improving the
market-share), the management should have come out with an offer of substantial
wage-rise. He also protested the veiled attack on union work (like union work
to be done after office hours etc) & said that unions have a significant
role to play in the growth of the Corporation & also in maintaining peace
& harmony in the Industry.
On behalf
of NOINO, he demanded that the management come out with immediate &
substantial offer of wage-rise. He further suggested that information sharing
meetings should be held at least once in six months so that the Management
could regularly know the sentiments and mood of the employees and officers.
During the joint session, NOINO
was the only union which spoke about Sabbatical
Leave/Child care leave, Late Sitting and monetary compensation towards the same,
Investment Matters, Health Insurance Policies, LTC, and ways of retaining
agency force.
When responses of all
unions completed, the Chairman gave his concluding speech. Here he assured that
on the basis of come-out of individual discussions with different unions, the
management would soon chalk-out some best possible offer on wage revision and
would soon call all unions again for discussion over that. He further stated
that one more pension option was on priority agenda and management would be
following up the matter with the Govt till it got that.
INDIVIDUAL
SESSION WITH NOINO
After the joint session, NOINO had
separate talks with the management. In this meeting the management was
represented by Shri M.R.Kumar, ED (P), Shri T R Mendiratta, Chief (P), Smt.
Aruna Seth, Secretary (P) and other officers from Personnel Deptt. NOINO was
represented by Dr. S B Sharan, WP,
NOINO; Shri Rajesh Dubey, OS, NOINO;
Shri Dattaraj Prabhukhanolkar,
Resident Secretary, NOINO; and Shri Ketan
Purandare, EC member, NOINO. The following issues were discussed (It is to
be noted that we first raised the issues which we felt that these should be
settled before & outside the wage-revision):-
- One more pension
option: - We reiterated our oft-repeated demand of settling
this issue before & outside the settlement of charter. While responding to the
Unions’ reaction Chairman had said in his concluding speech during Joint
Session that Management is concerned on this issue and assured that they would keep following
with Government about it till we got it. Here, in Individual Session
also, the ED (P) repeated the same version.
- Anomaly after
computer increment: - We once again raised this demand & reminded that
SBI had settled this issue in 1996 itself (i.e. 18 years back) by granting
one more increment to all the affected employees. We strongly insisted
that this matter be sorted out before the settlement of Charter. We
pointed out that the anomaly was crystal clear & it was a clear case
of injustice to the affected employees. Management
was not positive, however, on our insistence they assured to look into the
matter.
- Excess Wrong Payments – We pointed out that the officers
were pressurized to pay the amounts from their own pockets in the name of
fixing of responsibility. We suggested Fidelity Insurance or a reserve
fund specifically for this purpose can be the other options. Management
said that they will check with Audit Department and will check the
possibility to exclude cases of wrong payments made due to system errors.
- Running scales:- We demanded running pay-bands (continuous
increment till retirement) to avoid stagnation since promotion avenues
were restricted. We also pointed out that we had prepared & submitted
such running scales in the Charter submitted by NOINO. Management
was not positive on the same.
- Assured Career Progression(ACP):- Though exactly not connected
with wage-revision, we demanded assured career progression to avoid frustration of officers of not getting
promotions in time. On this issue the Management differed with us on the
definition of Career Progression. As
per Management view a holistic career approach is required and is under
consideration.
- Grade Pay:- We demanded that
the concept of Grade Pay on the lines of
Sixth Pay commission & RBI to be introduced in LIC. (As
submitted in our Charter : AAO -> 3000, AO -> 5000, ADM -> 7000,
DM -> 9000, SDM -> 11000, ZM(O) -> 13000, ZM(S) -> 15000). This will be a motivating factor for
accepting promotion. Management was positive in the
matter.
- Increment portion as percentage: We demanded 5% of Pay (Basic
pay plus Grade pay) as increment instead of fixed amount of increment.
This has been implemented by the Sixth Pay commission. Management
was not positive on this matter.
After
this, we discussed the following issues which are aimed at giving relief (monetary
or otherwise) to the Class I Officers:-
A.
PLLI: - You are
aware that NOINO has raised this issue continuously. We thanked the management
for considering our demand to take into account the credit of premium from
alternate channels. We once again raised this issue & stressed the
following points for the next year:- a) equal percentage to all b) Simplification of
parameters & including those parameters on which the employees have
control c) Current basic to be
counted for calculation. Management responded that the scheme stands already
notified with wage revision of 2007 and that these points will be given due
consideration in wage revision for 2012.
B.
Revision in LTC rules and Encashment
of LTC: - We
repeated our demand to simplify LTC rules; allow LTC encashment; allow
air-travel to all Class I Officers. Management was positive on this issue and informed that
this may take some time.
C.
Sabbatical/Child care leave for women
employees: - We again
raised this demand for sabbatical/child care leave for women employees &
said that the banks/central government had already introduced this leave much
earlier. We demanded that this leave should be introduced at the earliest in
LIC after proper discussions &
requisite modifications. ED (P) informed that Chairman had already taken note of
this issue put by NOINO during joint session.
D.
Late sitting/Security of employees:- We urged the management to give a
serious thought to the whole issue of late sitting & most importantly the
security of female officers & their safe transit to their respective homes.
We also demanded monetary compensation for late sitting. Management was positive in the matter of
security and safe transit of female employees/officers.
E.
Recruitment in Class III: - We once again raised this demand.
We reiterated that the Class I Officers were under tremendous pressure due to
lack of staff as they had to perform non-supervisory duties. Management
responded that this will be considered only after the obstacle of pending legal
litigation is removed.
F.
Technical allowances for Class I
Officers having professional qualifications: - We once again raised this issue. Management was not positive in the matter. However, they stated that allowance for exams
cleared from Insurance Institute of India and Actuarial Institute can be given
consideration.
G.
Election
duty:- We thanked the management for accepting our demands of appointing
nodal officers & issuing uniform instructions. However, we said that the
number of employees to be spared should be decided by us. The EC officials were
pressurizing the nodal officers in some divisions to release at least 25%
employees. It is pertinent to note that nowhere a specific percentage has been
mentioned in the Mumbai High Court Judgement of 2009. Management noted our
points.
H.
Granting
of Metro status to Pune & considering Panvel as an agglomeration of Mumbai
& treating it as an “A” class city: - We raised this issue again. Management told that they would check with Government
authorities about the changes in population and will then consider the demand.
Tuesday, December 10, 2013
Wage-revision & FDI – NOINO visits New Delhi
NOINO DELEGATION VISITS DELHI TO BREAK DEADLOCK ON
WAGE-REVISION & TO OPPOSE INCREASE IN FDI IN INSURANCE
· MEETS MINISTER OF FINANCE (State) & SECRETARY
(Financial Services)
· ALSO MEETS LEADERS OF OPPOSITION
· TALKS ON WAGE-REVISION EXPECTED SHORTLY
The
Insurance employees are concerned about a number of issues. The prime concern
is, however, regarding the pending wage-revision & the proposed move of the
UPA government to increase the FDI in Insurance from 26% to 49%. NOINO has been
at the forefront both in raising the wage-revision issue as well as in opposing
the proposed move of increasing FDI in Insurance.
The
situation with respect to the wage-revision is particularly disappointing with
over a year gone by without commencement of talks. With a view to break the
deadlock on this issue as well as to make further efforts to oppose the proposed
increase in FDI in Insurance, NOINO decided to take this issue once again with
the Government as well as the bureaucracy.
Hence a NOINO delegation led by Shri Prakash Javadekar, President, NOINO
(MP, Rajya Sabha) & consisting of Dr S.B.Sharan,
Working President; Smt. Anagha Sant,
General Secretary; Shri Dattaraj
Prabhukhanolkar, Resident Secretary; Shri Rajesh Dubey, Organizing Secretary; and Shri Ganesh Kamath, Chief Advisor camped in Delhi for this purpose.
.
The following four meetings took place:
MEETING WITH SECRETARY, FINANCIAL SERVICES—9.15 AM
The NOINO delegation met Shri Rajeev Takru, Secretary, Financial Services, on 9.12.2013 at 9.15
a.m. for initiation of talks on wage-revision in LIC of India.
We demanded immediate initiation of talks on
wage revision in LIC. We informed him that NOINO had already submitted its
Charter of Demands on 23rd July 2012 itself i.e. eight days before
it became due. All other unions also subsequently submitted their Charter of
Demands but the talks did not start yet. We pointed out that wage revision in
Banks became due after that of in LIC but 3 rounds of talks already took place
in Banks and the 4th one was scheduled for 14th December,
whereas in LIC, it did not even start.
We also pointed out that our talks were always
linked with wage revision of banking industry whereas our nature of work was
quite different from that of Banks. We insisted that the wage revision in our
industry should be as per our (i.e. LIC) performance and it should not have
any linkage with Bank. Shri Takru was
very positive on these points and immediately gave instructions for preparing
preliminary note for wage revision matters at the earliest. We also handed
over a Memorandum to Shri Takru in this regard.
MEETING WITH ARUN JAITLEY—12.30 PM
The NOINO delegation met Shri Arun
Jaitley, Leader of Opposition, Rajya Sabha on the same day at 12.30 p.m. We
reiterated our stiff opposition to any proposed increase in FDI in Insurance.
Shri Jaitley appreciated the wonderful performance of LIC & assured all
support to our cause. We also submitted a memorandum to him in this regard.
MEETING WITH SUSHMA SWARAJ-12.45 PM
The NOINO delegation then met Smt Sushma
Swaraj, Leader of Opposition, Lok Sabha at 12.45 p.m. We again stressed our
opposition to any increase in FDI in Insurance. Smt Swaraj was very positive
& said that the BJP had already told the FM that they would oppose any such
move to increase FDI in Insurance. Here too, we submitted a memorandum to
her.
We also met Shri Ravi Shankar Prasad
and other BJP MP’s in this regard. They too, assured support to our cause.
MEETING WITH NAMO NARAYAN MEENA - 1.40 PM
The NOINO delegation then met Shri Namo
Narayan Meena, Minister of Finance (State) at 1.40 p.m. We reiterated all the points as discussed in
the meeting with Shri Takru such as immediate commencement of talks on
wage-revision/wage-rise according to our performance over the years (& not
tagging with the Banking industry etc). Shri Meena was very positive &
assured that he would be talking to the LIC management immediately & would
ask them to take steps to initiate the talks on wage-revision shortly.
Friday, November 29, 2013
NOINO DELEGATION MEETS ED(PERSONNEL)
A NOINO delegation consisting of Smt Anagha
Sant, GS, NOINO; Shri Dattaraj Prabhukhanolkar, Resident Secretary,
NOINO; Shri Sanjay Ramdasi, Treasurer, NOINO & Shri Ganesh Kamath,
Chief Advisor, NOINO met ED(Personnel) Shri
M R Kumar today, i.e. 29th November 2013 to discuss
the pending issues of the officers and employees. Shri T Mendiratta,
Chief(Personnel) was also present at this meeting. Following issues were
discussed:-
1.
One
more option for pension:
- We once again inquired about the current status of this issue. ED (P) said
that the issue was high on their agenda & all efforts were being made.
2.
Discussions on charter of demands: We once again forcefully demanded
the commencement of talks on wage-revision. We also pointed out that there was
no official dialogue with unions since 19.3.10. ED (P) said that they were
waiting for the go-ahead from the government. We have insisted that the
preliminary discussions can begin even without the go-ahead, wherein a
consensus can be arrived on the common points of the unions so that the
time-lag is reduced.
3.
Late sitting and working on holidays: We again raised this issue & pointed
out that the situation in our offices, particularly in branches was
deteriorating as far as late-sitting was concerned. In this context we raised
the following issues: - a) Monetary compensation for late sitting b) No
work on holidays c) Recruitment of Class III employees at the
earliest d) Security of officers especially female officers—we
demanded that the respective division should arrange for conveyance facilities
for safe escorting to home. We have suggested that in case of cluster of
branches in the near vicinity, minibuses can be arranged by the office.
e) No proposals should be registered on the day of completion. ED replied that
a possibility of first fortnightly closing in time can be explored after
talking to Marketing department. He also said that recruitment of Class III was
also on the cards. He further said that the management was sensitive &
serious about the security of female officers & would definitely look into
the demands that we have made. He was also positive about our suggestion of no
registration of proposals on the day of completion.
4.
PLLI: - You are
aware that NOINO has raised this issue continuously. We once again raised this
issue & stressed the following points:- a) equal percentage to all b) Simplification of
parameters & including those parameters on which the employees have control
c) Current basic to be
counted for calculation d) Giving credit of premiums collected
through alternate channels to respective
branches/divisions. E) Making parameters known to the employees before the
commencement of the year. ED was positive about the issue of current basic to
be counted for calculation purpose (however, this is likely to materialize in
the next PLLI). He was also positive about the issue of giving credit of
premiums collected through alternate channels.
5.
Promotions 2014: You are aware that this issue was
raised by NOINO earlier too. We once again raised this issue & reiterated
the following points:- a) promotion by application b) Identifying areas of hard
postings & relaxation of transfer norms for those posted there. C)
declaring areas of posting as in HGA promotion for promotion from HGA to AAO.
D) posting ADM where SBM is posted(just as AO is posted where BM is posted) E)
Abolish DOPA. ED was not positive about these points. However, he said that all
aspects were being considered to accommodate maximum officers.
(Promotion
Batches have not been decided yet. Are likely to be declared soon.)
6.
Election duty- We once again raised this issue & said
that many employees were drafted for election duty in Central Zone. We reminded
the management that we had raised this issue on 12.7.13 & had urged that CO
should write to all Zones giving reference of the judgments of Mumbai High
Court Division bench on 25th September 2009 & 20th
June 2013 & give suitable instructions to tackle this issue. ED said that
they would be talking to the legal department & thereafter would instruct
the Zones accordingly.
7.
Mini Offices: The following points were raised :- a)
Only Class I Officers have been posted though service is not of a supervisory
or managerial nature. b) Forced transfers. C) Inadequate infrastructure-e.g.
toilets not available d) No proper connectivity. E) Hardly any enquiries or
collection in a day.
We strongly demanded for a review of all mini offices and also for
infrastructure available there. ED assured to look into these demands.
8.
Sabbatical
leave/Child care leave to female employees: - ED said that the management was
working on this issue, but it would take time.
9.
Restoration
of NGI postponed due to Strike dated 18th February 2010- ED was not positive on this issue.
10. Remuneration
to SDC staff on migration to Efeap:
--ED assured to look into the matter.
11. .Accumulation
of PL up to 300 days:-
ED was not positive on this issue.
12. 5 days week---ED said that the management was
thinking on this issue, though it may take time.
13. LTC & Transfer TE:- We raised the usual points:- a)
Airfare to officers b) Cash Re-imbursement if journey not undertaken c)
Simplification of rules d) Farthest point of India to be the distance allowed.
E) Transfer incidentals not revised for 27 years f) Transportation/packing
charges not revised for 16 years. ED said that they were working on all these
issues. He was positive on simplification of rules. He was also positive about
the revision in transfer incidentals & transportation/packing charges.
14. Revision in limits of high cost
treatment:- a) 10
lakhs each time total 20 lakhs should be the limit b) Removal of condition of
fixed percentage of re-imbursement. ED
was positive about the removal of condition of fixed percentage of
re-imbursement.
15. Restriction on mail recipients:- ED was not positive on this issue.
16. Premium for GI scheme & service tax
on the same: - We asked as to why the premium seemed to be on the
higher side. ED replied that it was due to factors such as increasing average
age of the group(due to lack of recruitment) & also due to the fact that
the scheme has to go to the re-insurer when the sum assured is more than 10
lakhs. We also demanded that the Corporation should bear the service tax. ED
was not positive about this issue.
Wednesday, November 6, 2013
NOINO writes to ED(P) on PLLI
NOINO today wrote to
ED(Personnel) suggesting some steps which can remove the rising resentment
(dissatisfaction) among the officers / employees on this issue. The letter is
reproduced below:
06.11.2013
---------------
The Executive
Director (Personnel),
L.I.C. of
India.
Dear Sir,
Re: Payment of PLLI
The PLLI for the FY 2012-13 has been
declared. The declaration has evoked more consternation & resentment
than joy among the employees. Preliminary enquiries reveal that almost all
divisions in CZ, SZ, WZ, EZ & NCZ would be getting less than the Corporate 3%
(mostly 1.5% or 2%). According to our information, the employees of some
branches have even decided not to accept PLLI.
We have been time & again placing our
objections in the modalities & formula of calculating such an incentive
(?!). We have also been giving our suggestions on this issue through our
discussions with & letters to the management. However, till now, these have
not been considered. As a consequence, we are facing such a situation. Here we
would like to once again draw your attention to the points raised in our letter
submitted on this issue on 30.11.2011. At the cost of repetition,
we would reiterate the same along with some additional
suggestion/objections:-
- 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 get less
PLLI than that of the Corporate level. Hence we maintain that equal percentage
of PLLI should be paid at all levels.
- 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.
- Payment on pre-revised annual pay
of August 2007
:- We have been insisting that the payment should be based on current
annual pay.
- 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.
- Faulty parameters :-
a.
Point
1.3:- %age growth of Total premium—As
per our information, about 50 to 60% renewal premium comes from alternate
channels i.e. ECS/online payments etc. The credit of the same is not given to
the branch/division. This policy has not been decided by the employees.
Naturally, the Total premium income is less.
b.
Point
1.3 continued:- In the previous years, focus was more on Single Premium Income.
The Corporation also did bumper business due to this. Now the focus has changed
to non-single premium. Logically, more Single Premium business in previous
years means less renewal premium in consequent years. Thus, it is very
difficult to show growth. The policy of shifting focus has not been decided
by employees.
c.
Point
2.1:--Conservation ratio:- In this, it is decided that Single premium
& ULIP premiums is to be excluded. Once again it depends on the points
raised in point 1.3. The employees have no control on the marketing strategy
decided by Central Office.
d.
Point
2.2:- Overall lapsation ratio:- If a policyholder doesn’t pay premium
even after sending premium notice/default notice & follow-up through agents
& development officers, what can the employees do? The employees have no
control over this.
e.
Point
3.1:- Productivity measured in terms of total premium income per employee:-
In the aftermath of liberalization(?!), the demography of states & the
nation is changing. A lot of people are migrating to metro cities & bigger
towns. Consequently, though they pay premium where they have migrated, the
credit of such premium is not available to the branches where it is paid. The result
is that the employees in such places have to provide more services in
proportion to the premium income. The employee have no control over this
factor.
f.
Point
6.1:- Skill enhancement of employees & agents:- As far as the
training of agents is concerned, it is observed that many agents do not attend
training in spite of being nominated & urged to attend the training. How
can be the employees penalized for this?
g.
Point
7.1:- E-governance:- E-payment to customers:- The employees can
motivate the policyholders to submit NEFT mandate form, not force them. Hence,
this factor is also not fully under control of the employees.
h.
Point
9.1:- Micro Insurance Schemes:- It depends upon geographical area &
economic status of the division. It is unlikely that in metro cities the scheme
will be successful as compared to other areas. How much publicity has been
given by Central Office to these schemes? Here again the role of the
employees is limited.
From the above analysis it is crystal clear
that maximum PLLI is not possible as the above points affect nearly 36%
marks.
As
said in our earlier letter, 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 request you to have a re-think of the
whole issue of PLLI & consider our demands at the earliest.
Anagha
Sant
GS, NOINONAI’s Best Political Leader – Prakash Javadekar
by
Ganesh Kamath
We are happy
to inform you that NOINO President Shri Prakash Javadekar has been
adjudged ‘Best political leader’ by Newspapers Association of India (NAI)
for its NAI Achievement Awards 2013. The award was conferred upon him on 30th
October 2013.
Our President, Shri Prakash Javadekar is one
of his kind. He is a law graduate. Contrary to the popular perception of an
average politician, he is unbelievably gentleman in his behavior. Easily
accessible, he has neither any hang-ups nor any hangover of the heady
power potion of politics. He travels without security & is exceptionally
free of any blot on his character. He has been quietly propelling a water
revolution in 11 vilages of Kolvan Valley (Mulshi Taluka/Pune district).
Through contour bunding & trenches, the water has been prevented from
flown away & its percolation has been enabled. Due to these efforts, the
water table has gone up so significantly that now the farmers in these 11
villages are raising 3 crops(including sugarcane) instead of 1 crop earlier.
Beneath his humble demeanour, lies a
steely resolve. He raised his voice against the draconian Emergency in 1975
& had to languish in jail for 19 months. He had to undergo heart
surgery(which was not very common those days) during this period in jail. He
survived it due to the grace of God, his will power & due to his noble
deeds.
As far as his involvement
in NOINO is concerned, it is simply incredible how the gentleman finds time to
devote for the LICians. It is simply because of him that the previous charter
got the necessary boost & push, a fact which we cannot forget. Even
today he is moving heaven & earth to see to it that the charter talks in
LIC commence soon. He has lent all his might to our struggle against increase
in FDI in Insurance sector as well as the proposed amendments in the Insurance
Act.
He has never lobbied for
any political or other benefits or awards & as a disciplined soldier of the
party carries on undeterred. This award has been earned by him on the
basis of some truly outstanding work & he is the most deserving person to
receive this award.
The NOINO family is proud to have such a
person at its helm!!!
Monday, November 4, 2013
NOINO PRESIDENT ADJUDGED 'BEST POLITICAL LEADER'
NOINO President
Prakash Javadekar (MP, Rajyasabha) has been adjudged 'Best Political Leader'
by Newspapers Association of India (NAI) for its NAI Achievement Award - 2013.
The award was conferred on him on 30th October 2013.
Friday, November 1, 2013
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धनतेरस एवं दीपावली की हार्दिक शुभकामनाएँ !
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