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Wednesday, January 13, 2010

Recommendation for National Policy of Older Persons (NPOP) 1999 by Senior Citizens

From: M.V.Ruparelia, A503 Rashmi Utsav, Near Jangid Estate & Vijay Park, Mira Road(East) Dist. Thane. 401107. T.No. 022-28123691. M. 09821732855. Email: mvrup@yahoo.co.in

To Date: 18-12-09.

Shri Mukul Wasnik,

Minister of Social Justice & Empowerment,

Government of India, Shastri Bhawan, New Delhi-110001.

Dear Sir,

Sub: Reviewing the National Policy of Older Persons, 1999.

Ref: Your Ministry’s letter no. 15-37(6)/07-08/AG dt 20-11-09 in reply to my letter dt 27-5-09 to Prime Minister of India.

1. For our request to give a comprehensive plan for Senior Citizens covering all points enumerated in NPOP,99 and to create a Welfare Fund for Elders early, it has been advised in your above that 10 years have passed since the announcement of the Policy and that the Policy is being reviewed. It is hoped that the Policy is being reviewed after 10 years for making it more Elder-Friendly and not for adverse/down sizing amendments to this wonderful piece of Policy containing 98 Paras, covering all aspects of life of Elders of our Country. We request you to appoint a Committee of prominent Senior Citizens for this Review also, as was done for formation of this Policy.

2. As the Policy has not been implemented in right spirit by most of the Stake-Holders even after 10 years, resulting in Abuse of Elders of our Country, it is requested to propose a legislation defining the scope and duties of all Stake-Holders viz Nodal Ministry, other Central Ministries, State/UT authorities, Municipal-Panchayat authorities, Public Sector Undertakings, Major Corporates, Big Business Houses employing large number, Trusts, NGOs, Powerful Media etc. Even Chief Information Commissioner, Delhi expressed his displeasure on 27-6-08 in Case no. CIC/MA/A/2008/00645 of your Ministry that the Policy adopted is not effectively implemented resulting in Senior Citizens being deprived of the benefits assured to them. CIC directed your Ministry to clearly outline the Plan of Action & indicate its outcome for the LARGER BENEFITS OF THE SOCIETY. Your Ministry has not complied with this Statutory Directive of CIC, Delhi so far even after 18 MONTHS! While reviewing, the Nodal Ministry has to be provided with wide powers (teeth) to get implementation done as per fixed targets. This is absolutely necessary, as Nodal Ministry continues to be of the view that this Policy is only a guiding factor and its role is only of persuasive nature and it can not direct the implementing agencies to implement a particular provision within a fixed target ( Ministry’s letter of same no. dt 11-7-08). Most of Central Ministries feel and act indifferently and even give in writing that they are not concerned with this Policy and it is only the Nodal Ministry, which has to take action. Some Ministry has even said that they have not seen the Policy even in the year 2008-09! Most of the States & Union Territories have not yet adopted this Policy even after 10 years nor have constituted State Councils. No other Stake- Holders have been told in writing so far about their role in this Policy by Nodal Ministry or any other Ministry. Nodal Ministry is refusing/regretting to issue any instructions to any of these Stake-Holders but expects that they will do their part! Just as it is statutorily provided in Parents & Senior Citizen’s Welfare Act, 2007 to provide at least one Oldmen`s House(should be called Senior Citizens Homes) in each district, legislation must be provided to provide various facilities by Municipality/Panchayat/States within a stipulated time, as laid down in your Integrated Programme. Creation of a separate Ministry, as demanded by several Organizations may also be considered at this stage for expeditious implementation of this all-aspects-covering Policy. Separate Directorates must be provided in each Ministry and State/Municipal offices for Senior Citizens.

3. Majority of Senior Citizens are sober, introvert, aloof type, God fearing and resigned to FATE! Most are not inclined to adapt new active Life Style after retirement and many feel that now they have to rest and wait for their turn to go up etc! It is therefore necessary for the Government and the Society/Media to enthuse this lot of citizens, who are large in number and going to survive for long even without their wishing! Keeping in view the economic progress of the Country and deteriorating financial position of Senior Citizens due to reduction of interest rates and surmounting dearness for food items & bare necessities, Policy has to provide concrete action plans, if necessary by legislation also, to ensure financial security; healthy life; social interaction opportunities; proper utilization tasks for Senior Citizens ; more liberal provisions in all matters for older old(80 & above); special colonies for Senior Citizens; large number of Day Care Centers, Holiday Homes/Resorts/Convalescent Homes; concessions in entertainment places, travels, hotels, resorts etc; well defined detailed role of Media, early creation of National Association of Older Persons(NAOP) at Center & State/District/Locality level and fixing tasks to be carried out by such Associations. Little force/compulsion has to be used to get results and this should not be shied away, keeping in view how Smoking in trains & Public Places and Processions on Public Roads were curbed by force/legislation giving valuable advantages to the entire Community.

4. The following suggestions may also be kept in view, while reviewing this Grand Policy:-

i) No provision/para of this Policy may be deleted/downsized in any manner, as all Paras cover very important aspects of life of Senior Citizens.

ii) Demographic Trends: As per latest trends, number of Senior Citizens not only in India but in the entire World shall exceed number of Children/Youths in next few years. In view of this, the Policy has to be more liberal and more caring for elders, which will also form a big Electoral Force. The expectation of Policy,99 about life span of 67 years in 2011-16 has been surpassed and it may cross 100 in those years. Keeping in view this huge number with longer life span, Revised Policy should cater seriously for welfare of this and also provide different avenues of their useful utilization. As there will be large number of Older Old (above 80), special & specific provision for them in the Revised Policy shall be necessary.

iii) Financial Security: As we have adopted Global Capitalistic System, there shall be more poor and less rich and this can not be helped in view of the present trend of Economic Development. As there will be more BPL Senior Citizens and as the position of Above Poverty Line but not coming within Income Tax Limit Senior Citizens shall also be precarious, the Policy has to provide specific Financial Security for both the groups. The present system of classifying Senior Citizens as BPL is defective and needs immediate change, as detailed in my letter dt 13-10-09 to P.M. (copy enclosed –Annexure I). The present quantum of Rs 200 by Central and similar contribution by State is a mockery of human being and World Organizations must be laughing at this gesture of such a wealthy country on way to become number one and as such sufficient pension for a human may be laid down in revised Policy for BPL & APL Senior Citizens. The proposed New Tax Law from 2011-12 is another blow on Financial Security of Senior Citizens and specific provisions in new Policy exempting Senior Citizens from adverse provisions shall be necessary, considering all points raised in my letter dt 12-9-09 (copy enclosed –Annexure II). Unless, Nodal Ministry makes out a very strong case for Financial Security to all BPL & APL Senior Citizens, depicting the miseries they will be facing in the coming years with declining income and mounting expenditure for food & bear necessities, majority of Elders of our Country can not think of decent & dignified life. Employment should be allowed to be continued till Senior Citizens desire and are fit to work and age bar must be removed. Retired employees of the Government, Public Sector and big Business Houses must be statutorily provided same facilities as serving employees to avoid financial burden on only the Government. Even as per present Policy, all Departments and Employers should be asked to provide various facilities to their retired staff, as asked by Nodal Ministry to Railway Ministry as brought out in Annexure III.

iv) Health Care & Nutrition: As the Life-Span shall increase and number of older old increases, it will be necessary to provide more and more free/subsidized health services to all Senior Citizens. In addition to free service by State/Municipal Hospitals, Private Hospitals, Trusts etc will have to be made to provide subsidized service to Senior Citizens and pay special attention to Senior Citizens, if necessary by legislation. A controlling authority like IRDA shall be absolutely necessary for private Hospitals to control prices of various facilities, operations etc. In addition to present Health Insurance Schemes for unorganized sector BPL Senior Citizens, similar provision is required to be made for similar scheme for APL Senior Citizens also. Appropriate Medi-Claim Insurance with affordable premium from private sector for all Senior Citizens desiring the same should be provided, if necessary through proper legislation. Concrete steps to provide Geriatric Care, Physiotherapy, House Call System, Free/Subsidized Mid-Day Meals, Dinners etc for nutrition, as provided to children at present etc will have to be provided. Medicines must be provided at subsidized cost. Separate ques for Senior Citizens are not yet provided in any of Hospitals of Health Ministry at Delhi, which indicates the attitude of Central Ministries towards this Policy. Separate ques for Hospitals, Dispensaries, Pathological Laboratories, Private Clinics, Banks, Post Offices and all places requiring such ques must be provided, if necessary by legislation. Doctors & Para-Medical staff must be given special training for geriatric care and proper behavior with elders.

v) Shelter: Special colonies with full facilities should be provided by legislation instead of simply making a provision in the Policy for encouraging the private builders! Certain quotas in all buildings like Chief Minister’s quota must be provided for Senior Citizens. Just as specific space is to be left for garden etc in each colony by legislation, provision should be made for encouraging/enforcing all builders to provide special colonies and facilities for Senior Citizens. More & more houses should be available for Senior Citizens on rent basis. Housing Boards must also give preference to Senior Citizens. Big colonies must have Day Care Centers.

vi) Welfare & other areas: As stated earlier, most of Senior Citizens having inertia & having resigned to fate, it is necessary that they are encouraged/forced to become members of their Government recognized Associations of their locality and then only issued all-India Identity Cards for various concessions. This will ensure their social inter action and improve their life styles. Each Association at all levels should be assigned specific tasks like having full details of all Senior Citizens of their area (Census); Civic problems of their area (LAM); Social Programmes like Polio eradication; Participating in all advisory committees of State/Railway/Municipal/Banks etc; Inculcating Value Systems in children through lectures, programmes, picnics etc with school children continuously; helping in grievance solving of Senior Citizens & other citizens of area etc. Each Association should be provided with sufficient accommodation with usual facilities of Day Care Center with Gym / Physiotherapy facilities, Grant-in-Aid, ensuring sending by all concerned all orders/circulars affecting Senior Citizens. Your Web-Site and Web-Sites of all concerned must be kept up to date and should have on-line grievance recording with status position. Your Web-Site does not contain all the facilities/concessions given to Senior Citizens by your Ministry & all other stake holders, though provided in the Policy and proclaimed by your Ministry to contain all information. There is a need for your Ministry to publish a Monthly Magazine or a Newsletter giving all information from time to time. Sufficient reservation in Transport Services is not provided, which must be done keeping in view the good effect of traveling. Railways, though the lifeline of the country, have not provided any reservation for Senior Citizens, except 2 berths along with women of 45 years and that too when traveling alone! No separate coach in suburban trains inspite of repeated representations is provided, though special suburban trains are being provided day in and day out, though not going fully packed. Senior Citizens are more handicapped and more in numbers to handicapped but are deprived of this facility given to handicaps. Representations/complaints/ court cases of Senior Citizens are not being given any priority. There is much talk about PPP and CSR and advantage of this should be given for facilities to Senior Citizens by providing some compulsory/voluntary action by corporate world. New policy must provide for Self Development of Senior Citizens. Many more Nana-Nani Parks, Recreation Centers etc should be provided with time schedule.

vii) Media: No action is taken by Nodal or Ministry of Information & Broadcasting to involve Media for creating proper atmosphere in the Society or Government Machinery to highlight the problems of Senior Citizens, as laid down in the Policy,99. New Policy must realize the importance of this powerful IVth Estate of our Democracy and give specific tasks to Media. Each Newspaper must give one page/a corner every day or atleast some days in a week exclusively for matters pertaining to Senior Citizens. Each TV channel should also give a fixed slot every day for Senior Citizens. Ministry of I & B must also give programmes for Senior Citizens at fixed days and timings instead of any time they like, as is being done at present. They had asked for literature and soft wear etc related to issues pertaining to Senior Citizens in Inter-Ministerial Committee held on 28-3-07. In absence of such material by Nodal Ministry to various Stake Holders, it is difficult to provide programmes for Senior Citizens. Senior Citizens must be encouraged and paid honorarium for writing in Newspapers and participating in TV programmes.

viii) Implementation: Nodal Ministry & other Central Ministries and States have failed miserably to comply with various Paras (91 to 95) of Policy,99 for implementation, especially para 93, which gives unambiguous orders for implementation by fixing targets. New Policy, if necessary must give statutory orders to all Stake-Holders in clear terms to do their part of job sincerely, speedily and seriously. As NCOP and SCOVA etc have miserably failed, it is requested to form NAOP (National Association of Older Persons) laid down in para 96 with full powers to negotiate with you and specific duties, as enumerated above. Earlier this is done, it would be better for the Government, Society and Senior Citizens. Similar Associations at grass route levels may also be expedited.

It is hoped that review will not be finalized without consulting the prominent representatives of Senior Citizens and their Organizations and without notifying the proposed changes in media for information/comments of all citizens.

Thanking You,

Yours Sincerely,


Annexure I.

To Date: 13-10-09.

Dr. Man Mohan Singhji,

Hon. Prime Minister of India,

South Block, New Delhi-101101.

Respected Sir,

Sub: Payment of Indira Gandhi National Old Age Pension (IGNOAPS) launched on 19-11-07.

You were kind enough to launch the above scheme for benefit of all Senior Citizens of 65 years and above living below poverty line as a Social Security Scheme and Support System. The Ministry of Rural Development issued instructions to States to grant this megre Pension to those citizens, who are 65 and above and belong to a household below the poverty line, which is decided as per their guidelines for BPL Census, 2002. In these guidelines, 13 socio-economic parameters were prescribed to identify relative position of each family in rural area by giving variable scores from village to village depending upon local conditions for targeting people under Ministry`s Rural BPL Programmes. No such guidelines are issued by Ministry of Housing & Urban Poverty Alleviation for classifying an urban citizen as BPL. 13 socio-economic parameters may be useful to Ministry Of Rural Development for launching a particular scheme in a particular village or for a particular family but in no way can help in deciding the eligibility to pay megre monthly Pension to Senior Citizens of 65 & above having megre income or staying hand to mouth in their last spell of life. How far such house to house survey applying 13 complicated parameters having 4 different scoring can be useful to decide eligibility for monthly Pension to Senior Citizens? There is no necessity of targeting Senior Citizens neither for paying IGNOAPS nor to fix their interse eligibility. More over, such guidelines go on changing for every Five Year Plan Period. We may give one example to consider the impracticality of such guidelines. In the very well developed suburb of Mira Road of Mumbai, there are more than 4 lakhs of citizens having more than 80 thousand Senior Citizens, out of which 50 thousand are above 65 and more than 20 thousand are living below poverty line and pass their last spell of life hand to mouth. The number of all BPL Families, including citizens above 65 for this Area are only 17-seventeen, as advised by Municipal Corporation vide their letter no. ja.kra.manapa/sujayo/7/2009-10

dt 14-8-09. It would be clear from this that eligible Senior Citizens are not classified as belonging to BPL Families and not paid megre Pension due to complicated procedures causing corruption at various levels. Considering the poverty lines of each State, a financial income limit per month or per annum should be fixed for paying this megre Pension to Senior Citizens irrespective of their family income, as Senior Citizens staying in joint families and having no income or megre income are not properly looked after by children and not paid any pocket money etc. State of Maharashtra has fixed Rs. 21000 p.a. for their Schemes.

You will be surprised to know that there is no definition of Below Poverty Individual or Family either with Ministry of Rural Development or Planning Commission. The Planning Commission estimates the number and percentage of poor at National & State levels on the basis of rough and large sample survey data on house hold consumer expenditure at All-India figure of Rs 356.30 in Rural and Rs 538.60 in Urban Areas

(Press Information Bureau Estimates notified on 21-3-07).Such rough estimation can be used for providing Budget etc but not for deciding eligibility for payment of megre Pension to Senior Citizens of 65 and above.

In view of the above position and there being 3 Ministries of Rural Development, Housing and Planning Commission, it is requested that this simple work of payment to Senior Citizens may be assigned to the one concerned Ministry by fixing definition of Poverty Line (Maharashtra has fixed Rs.21000 p.a. for their Schemes) and not insisting on the unwarranted condition of belonging to BPL Family. Kindly get the financial income limit etc fixed to avoid corruption at various levels and procedure laid down for easy and early payment of this megre Pension to all eligible Senior Citizens.

Thanking You,

Yours Sincerely,


Annexure II.

To Date. 12-9-2009.

Shri Pranav Mukherji,

Hon. Minister of Finance, Government of India,

North Block, New Delhi-110 011.

Respected Sir,

Sub: Direct Tax Code, 2009 & Discussion Paper notified on 12-8-09.

It is heartening to note that You have started the much-needed work of discarding the complicated Income Tax Act, inherited from Britishraj, by introducing Unified Tax Law in simple language for reducing the scope of litigation. It is very much necessary that all Ministers follow your foot-steps and give simple Laws/Rules to the Nation for their Ministries. e.g. for expeditious dealing of Court Cases, One Personal Law for all irrespective of caste, creed or religion, Respect for our Culture & Elders etc.

Please, accept our congratulations for suggesting quite law rates of Income Tax for all sectors based on sound policies and practices followed by various countries of the World. Principles laid down in Paras 3.2; 3.4; 3.5 and 4.1 in Discussion Paper are really appreciable and indicate your humane approach.

We, the Senior Citizens of India would like to bring out the followings considerations to your personal notice for needful early action.

1. In our country, there are no Pensions or Free/Concessional Medical Facilities etc for retired/unemployed citizens, as in developed countries even after 61 years of Independence and tremendous economic progress. Income of Senior Citizens gets reduced day by day due to deteriorating interest rates and unbearable dearness for food items and medical facilities. They do not enjoy fully Public Goods and Services provided by Government for citizens (Para 4.1 of Discussion Paper) due to immobility and many other factors. Their ability to pay Tax (Para 3.2) gets reduced after retirement and from year to year due to less income, more expenditure on food & medicines. Their Net Worth (Para 3.4) gets reduced considerably as at the beginning of the year. There are many other factors, which also require to be considered and all Senior Citizens should be completely exempted from paying Income Tax. They have paid a lot of Tax for 30-40 years during their earning period and worked hard for achieving Independence as well as present Economic Growth. If complete exemption can not be allowed, exemption up to 5 lakhs instead of only 2.40 may be considered sympathetically.

2. As per Para 12.4 of Discussion Paper, you have given some incentives for savings and hoped that people will be encouraged to save. In view of your EET proposal and permitting the savings in only 4 Savings Intermediaries, how is it expected that any one would like to invest willingly? All contributions in all kinds of P.F. will also be taxed at the time of withdrawal. Keeping savings in P.F. till retirement is otherwise also compulsory, as they have no other alternative. Now keeping in Retirement Benefit Account to avoid tax will be a big burden on retiring person, who has to use his savings for marriage of daughters or for medical treatment etc. EET and restriction of 4 Saving Intermediaries shall kill the incentive to voluntary and additional savings and people would prefer to pay tax in the current year instead of at the time of their need in future years. People will try their best to show less income and hoard money instead saving for productive progress of the Country. Senior Citizens, whose income is getting from year to year due to reduction in rates of interest, prevailing and expected rise in cost of living and medical treatment, will be at a very great disadvantage by EET rule. Though, limit of savings is proposed to be increased to 3 lakhs, Senior Citizens will be discouraged to save anything due to EET and thus will loose present incentive of getting rebate for saving of Rs 1 lakh and will have to pay more tax to the extant of not saving due to EET. Keeping in view their deteriorating financial and physical condition from year to year and keeping in view their capability to pay tax and to ensure that their Net Worth does not get reduced, as provided in Paras 3.2 and 3.4 of Discussion Paper, rule of EET may not be applied to Senior Citizens.

3. As per definition of salary, all perks are also included in salary. This will be an additional burden on retired staff, who are enjoying free or concessional medical treatment and free or concessional traveling facilities etc after retirement as per their service conditions at the time of appointment. Senior Citizens need medical treatment as a natural consequence to ageing and travel for pilgrimage or for compulsory social obligations and as such, they should be exempted from tax on such facilities, keeping in view their reduced financial capacity.

4. As per Para 7.3 of Discussion Paper, some deductions are allowed to serving employees from their income. In absence of any employment and utilization of Senior Citizens by Government, it is necessary for Senior Citizens to go somewhere or other compulsorily to pass their time usefully like going to temples, associations, pilgrimage, doctors, hospitals etc. They should also be given some annual allowance.

5. Para 12.13 provides rebate up to Rs 60000 for treatment for prescribed diseases. Prescribed diseases are not mentioned in Code or Discussion Paper. This may be done. As all Senior Citizens are suffering from some ailment or other due to ageing, this provision should apply to all medical expenses and not restricted to prescribed diseases only. As medical treatment is very costly, this limit of 60000 should separately apply to self and dependent spouse. As ailments due to ageing is beyond control of Senior Citizens, this is a disability and provisions of Para 12.14 as handicapped may also be applied to Senior Citizens.

6. Para 12.18 gives rebate to self employed persons for rent in excess of 10%. Similar rebate may be given to Senior Citizens staying in rented houses.

7. Sec 67 of the Code allows deduction for fees of 2 children. There are certain families in which children are not earning much and depend upon their parents. In such cases, if any Senior Citizens pay such fees for 2 grand children, they should be allowed this deduction. Similar deduction for payment of Insurance Premium in Sec 69(3) by Senior Citizens for their children or grand children may also be allowed to them.

8. Sec 200 of the Code makes it compulsory for deduction of Tax at source above Rs 10000 from one source. It is difficult for Senior Citizens to obtain certificate for exemption from Assessment Officer every year. Present practice or similar practice as Form 15 H etc may be continued for Senior Citizens.

Above factors may kindly be considered sympathetically and proper care of Elders may please be taken.

Thanking You,

Yours Sincerely,


Annexure III.

Annexure showing Action required to be taken on various Paras of NPOP,99 by all Government Departments/Public Sector/Big Business Houses etc, as advised to Railway Department by Ministry of S.J. & E. :-

ii) Para 35: To expand the health services in various Railways including other independent Units for preventive, rehabilitative and geriatric care facilities for retired employees.

iii) Para 39: To issue instructions for separate ques for retired employees and to ensure its implementation by monitoring and/or reiterating instructions. Geriatric wards are to be set up in all Railway Hospitals.

iv) Para 40, 41, 86: To issue instructions for training of Railway Doctors & other Para-Medical staff for proper care and respect for retired employees. To provide Mobile care and hospice care for bed ridden employees in various hospitals.

v) Para 42 & 43: To issue instructional/guidance/nutritional material on self care of retired employees.

vi) Para 44 & 45: To issue instructions to promote healthy ageing amongst the retired staff. To issue instructions to treat their retired elders properly and to educate them for healthy ageing and to provide facilities of yoga, meditation etc. There should be proper education programmes for retired staff and they should be taken on Advisory Committees to bring out difficulties faced by them in getting treatment, keeping in view the spirit of NPOP, 99. Repeated orientation training and instructions to treat retired staff with respect by Doctors and staff are necessary.

vii) Para 46: To provide Counseling facilities in various hospitals.


vii) Para 68: a) To persuade Railways to give 50% concession to all Senior Citizens, as by Air & State Road Transport without distinguishing between Gents & Ladies.

b) No quota is fixed for reservation for Senior Citizens in any of the trains, though large quotas are fixed for ladies, handicaps, military & VIPs. Senior Citizens above 70-75 are more vulnerable than handicaps and ladies.

c) In suburban trains also, not only some compartments but entire trains are reserved for ladies but Senior Citizens are denied a small separate coach, as given to handicaps. With the deteriorating health condition, when they are required to go to doctors, consultants, Hospitals etc in the morning for pathological tests, they are facing hardships and as such, they should be provided separate coach or permitted to go in coaches/trains reserved for ladies & handicaps.

d) Railways are having large number of Holiday Homes, Rest Houses, Convalescent Homes etc and not given concessions in rent though provision of this para provides for concession to Senior Citizens.

viii) Para 70: Railways are having a big Publicity Department but no instructions are issued by Ministry to Railways to highlight the issues pertaining to their retired staff every year on 1st October and call them on that occasion for Get-Together and meeting each other and know about their problems etc. Existing Welfare Branches at Ministry as well as local levels can be instructed to do needful, as envisaged in various Paras of the Policy.

ix) Para 73: Railways are having well organized Personnel Department with Efficient Negotiating Machinery. They may be pursued to have continuous dialogue with NGOs doing welfare of Senior Citizens of Railways and recognize/encourage Associations of Senior Citizens of Railways by giving accommodation, place for their meetings etc. They have large number of Welfare Centres through out the Country and these can be allowed for retired staff & their Association of Senior Citizens.

x) Para 76: Railways can set up voluntary programmes for participation of retired staff in their various programmes, celebrations of Railway Week etc. They can also provide Colonies for Retired Staff with basic facilities.

xi) Para 78 & 79: Railway work is specialized one and retired staff is well trained to tackle various works efficiently. Railways need trained staff in different circumstances and also during vacation period, there is lot of absenteeism. Retired staff should be engaged freely. Instructions should be issued by Ministry of Railways to utilize capable retired staff and enrich & update their knowledge.

xii) Para 93: Annual Plan & Five Year Plan for implementing various provisions of the Policy are required to be prepared.


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