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1 SBI PEN. ASSN.'S SAMVAD ñq>oq> ~±H$ noýezg Agmo{gEeZ (_w ~B gh $b), nwuo `m Mr J hn{ìh$m g dmx _Zm_Zm Mm _oi Owimdm Ÿ& ÛofmMm bdboe Zgmdm && gmxmgr à{vgmx {_imdm & dmx ZH$mo g dmx Agmdm && Vol.-1 Issue - 8 \o$~«wdmar> 2009 February 2009 g^mgx {_Ìm Zmo, AmnU ~±Ho$VyZ {Zd Îm Pmcmo H$s, hþíe H$aVmo. gwq>cmo ~wdm EH$XmMo ghrgcm_v. AmVm gmr>r Amcr, AmVm Amam_ H$am`Mm. nu H$gMo H$m`. d`mmr gmr>rm Vr. eara Hw$aHw$am`cm gwê$dmv hmod$ cmjvo. JwS>KoXwIr, ñnm±{s>cm`q>rg Aer H$mhrVar XwIUr gwê$ hmovmv. ~r.nr. Va ~±Ho$À`m H$m_mÀ`m VmU-VUmdm Zr AmYrM gwê$ Pmcoco AgVo. ~±Ho$Mo Am{U öx`{dh$mammo \$ma OdiMo ZmVo Amho. H$mhtZm Vmo Amcocm AgVmo; H$mhtZm ~±Ho$À`m S>m ŠQ>am Zr Vmo AmUcocm AgVmo. S>m ŠQ>ar ì`dgm`mv Zoh_rM "^`mmm ì`mnma' MmcVmo Ago S>m ŠQ>a cmoh$m gm JVmV. "EH$Xm ô`m øm Q>oñQ> H$ê$Z `m _cm H$mhr e H$m AmhoV.' Ago S>m ŠQ>am Zr åhq>c H$s AmnU ^`^rv hmovmo. H$maU AmOH$mc Hw$UmcmM ñdv:mr O~m~Xmar `m`mr ZgVo. Ago AmOma gwê$ Pmco H$s H${dd` ^m.am.vm ~o øm À`m "g Ü`mN>m`m {^d{dvr öx`m' øm AmoirMr AmR>dU `ovo d _ZmMr hþahþa MwH$sÀ`m {dmmam Zr H$m_ H$ê$ cmjvo. "_cm H$mhr Pmco Va Zmhr Zm?' nu {_Ìhmo, H$mhr H$miOr H$ê$ ZH$m. H$mi \$ma nwt>o Jococm Amho. {dkmz AmVm àjv Pmcoco Amho. OJmÀ`m nmvirda d ÕËdmda g emoyz gwê$ AgyZ OJmV H$moUmcmM d ÕËd `ody Z`o, åhuyz Ë`m d ÕËdmda _mv H$aÊ`mgmR>r g emoyz gwê$ Amho. Á`oð>m Mo _Zmo~c dmt>oc AgoM ho {dmma AmhoV. Voìhm {_Ìm Zmo, eodq>à`m jumn`ªv AmnU AmZ Xr, Amamo½`nyU, XrKm `wfr amhuma AmhmoV hr IyUJmR> _Zmer ~m Ym. hmm {dmma nav nav H$am. hm {dmma am_zm_mgmaim amoo 100 doim åhum. Ahmo, Ogm Vwåhr {dmma H$aVm VgoM hmovm, hm {gõm VM Amho. _mpr n«h $Vr R>UR>UrV Amho Ago Zoh_r {_Ìm Zm hgyz gm Jm, H$mhr WmoS>m \$ma Ìmg Agcm Var. H$maU Vw_Mo {dmmam Vwåhmcm C^mar XoVmV. Vw_À`m earamv EH$mda AR>am eyý` EdT>çm noer AmhoV. Vw_À`m _ZmVrc "_r Visit us at : j g nmxh$s` Price Rs. 3/- R>UR>UrV Amho' hm {dmma gjù`m noetzm nmohmomvmo d Ë`m Vê$U {Xgm`cm cmjvmv. Mohè`mda Vw_À`m hgy \w$q>vo, Vwåhr EH$Xm AmaemV nhm d åhum H$s, _r AmVm VéU {Xgy cmjcmo Amho. {_Ìhmo, hm Img à`moj H$ê$Z nhmm. Vw_À`m ñdv:mm AmË_{dídmg dmt>oc. AmOma ZŠH$sM H$_r hmod$ cmjvrc. H$maU Vw_À`m {dmmam ZrM Vw_Mr VmH$X dmt>uma Amho. ^co _J Vw_Mo d` {H$Vrhr Agmo. Vwåhmcm _mhrv Amho H$s, Amnë`m earamvrc gd noer, g nyu dfm V {d^mozmzo ZdrZ hmov AgVmV. ašvmà`m àë`oh$ W ~mvrc gd noer Xa VrZ _{hý`m Zr {d^mozm_wio ZdrZ hmovmv. ømmm AW Vw_Mo eara Oa EH$m dfm V ZdrZ noetmo ~ZVo Amho Va Vwåhr åhmvmao ZmhrM. AJXr VéU VwH $ AmhmV. Ahmo hmm emór` {gõm V Amho. Amho H$s Zmhr J _V? Voìhm VéUm Zmo, AmVm H$m_mcm cmjm. H$emgmR>r? Ahmo, Vwåhmcm "godm{zd Îmr Pmcr nwt>o H$m`?' qh$dm "_mâ`m H$ënZoVrc gwir g gma' øm {df`mda "g dmx' _m{gh$mgmr>r j coi {chm`mm Amho Zm? d`mà`m 25 Vo 60 dfm V Vwåhr CËH$fm Mr ^amar _macr, ~±Ho$V à_moeýg KoVcr, Kao Pmcr, _wco CÎm_ {ZKmcr, Vwåhr gmgao/amomo~m PmcmV. AmVm gmr>rà`m diumda ho nwt>rc Vmê$Ê` Vw_Mo EH$ ZdrZ H$ar`a R>amdo øm Ñï>rZo Ë`mH$S>o nhm. H$m` H$am`Mo Amho Vo R>adm. ^co Vw_Mo d` 60, 70 H$mhrhr Agmo. qhxw Y_ emñìmà_muo Vwåhmcm 120 Ago nyu Am`wî` Amho. ZdrZ g emoyzm_wio Vwåhr ømhr nwt>rc ^amar _mauma AmhmV, Voìhm ßc qzj H$am, {chm d gxa coi 31 _mm 2009 n`ªv Z MwH$Vm nmr>dm. Vwåhmcm ~{jg XoÊ`mg Amåhr AmVwa AmhmoV, Am{U hmo, _hîdmmo åhuoo ho coi Ago AgmdoV H$s, gd Á`oð>m Zr AmMaUmV AmUmdoV. "_r n VàYmZ hmouma', "_r M Ðmda OmUma' Ago _wcm gmaio coi ZH$moV. H$maU AmVm AmnU Á`oð> AmhmoV, AZw^dmZo g_ Õ AmhmoV Am{U Amncm CËgmh XoIrc H$m`_ Amho. Voìhm gdmªzm ew^oàn>m. - eax qejdoh$a sbipenmumbai@yahoo.com

2 (Ref : Corporate Centre e-circular No.CDO/P&HRD-PM/98/ Dated ) Table-1 RATES OF DEARNESS RELIEF PAYABLE TO PENSIONERS Annexure-I WHO HAVE RETIRED (A) PRIOR TO and (B) BETWEEN & Sr. No. Basic Pension + F.D.R. Dearness Relief for the months (as applicable) February 2009 to July 2009 (Average Index ) (Slabs - 692) i) Upto Rs.1,250= % of aggregate of Basic Pension & F.D.R. ii) Rs.1,251=00 to Rs.2,000=00 Rs.5,795= % of aggregate of Basic Pension & F.D.R. in excess of Rs.1,250=00 iii) Rs.2001=00 to Rs.2,130=00 Rs.8,650= % of aggregate of Basic Pension & F.D.R. in excess of Rs.2,000=00 iv) Above Rs.2,130=00 Rs.8,946= % of aggregate of Basic Pension & F.D.R. in excess of Rs.2,130=00 Table-2 DEARNESS RELIEF PAYABLE TO PENSIONERS WHO HAVE RETIRED ON OR AFTER UPTO Sr. No. Basic Pension Dearness Relief for the months February 2009 to July 2009 (Average Index ) (Slabs - 555) i) Upto Rs.2,400= % of Basic Pension ii) Rs.2,401=00 to Rs.3,850=00 Rs.4,662= % of Basic Pension in excess of Rs.2,400=00 iii) Rs.3,851=00 to Rs.4,100=00 Rs.6,995= % of Basic Pension in excess of Rs.3,850=00 iv) Above Rs.4,100=00 Rs.7,231= % of Basic Pension in excess of Rs.4,100=00 Table No.3 Dearness Relief payable to Pensioners who have retired on or after for the months from February 2009 to July 2009 (Average Index - CPI - for quarter ended June 2008 : ; and No. of Slabs - 270) Rate of Dearness Relief on Pension (Ignore decimals from 3rd place onwards) : % of Basic pension Dearness Relief payable to Family Pensioners Annexure - II (i) Dearness Relief for Family Pensioners whose spouse (Pensioner) died or retired (a) before (b) on or after but before and (c) on or after will be paid as per the tables given for the pensioners in Annexure-I. (ii) The Dearness Relief of Family Pensioners whose spouse (Pensioner) died or retired on or after but before will be as per the following table :- Sr.No. Basic Family Pension Dearness Relief for the months Feb to July 2009 (Average Index ) (Slabs - 421) i) Upto Rs.3,550=00 101=04 % ii) Rs. 3,551=00 to Rs. 5,650=00 Rs. 3,586= % of Basic Family Pension in excess of Rs. 3,550=00 iii) Rs. 5,651=00 to Rs. 6,010=00 Rs. 5,355= % of Basic Family Pension in excess of Rs. 5,650=00 iv) Above Rs. 6,010=00 Rs. 5,536= % of Basic Family Pension in excess of Rs. 6,010=00 2

3 S.B.I.Pensioners Association (Mumbai Circle), Pune Panaji (GOA) Zonal Sub-Centre Notice of the Annual General Meeting 11 th Annual General Meeting of our Panaji (Goa) Zonal Sub-Centre will be held on Sunday the 12 th April 2009 at 9.30 a.m. at State Bank Complex, Patto Plaza, behind Kadamba Bus Terminal, New Building of Staff Training Centre, Panaji (Goa) to transact the following business. AGENDA 1) To condole the death of Bank s Pensioners/Family Pensioners and Associate members whose names were reported after the last AGM. 2) To confirm the Minutes of the last AGM. 3) Managing Committee s Report for the year 2008 to be read, discussed and adopted. 4) To honour the Senior Members who have completed / will be completing 75 years of age during the period from to ) Speech of the Chief Guest 6) Speech of the President of Panaji (Goa) Sub-Centre 7) Speeches of the special invitees & office-bearers of our Circle Association. 8) Any other business with the permission of the Chair. All the members from Goa, Ratnagiri & Sindhudurg Districts are requested to attend the meeting. The Pensioners Meet arranged by the Bank on the same day will start at noon at the same venue as above. All members in Ratnagiri/Sindhudurg Districts and Panaji (Goa) Module area of operation are requested to attend the meeting. Please inform other members known to you regarding AGM. Snacks/Tea will be followed by lunch. Please note that no separate Notice of this Annual General Meeting will be sent to the members. I.H.Dias Secretary ñq>oq> ~±H$ Am \$ B {S>`m noýezg Agmo{gEeZ (_w ~B gh $b),nwuo nuor (Jmodm) PmoZb g~²-g Q>a dm{f H$ gd gmymau g^omr Zmo{Q>g nuor PmoZb g~²-g Q>aMr 11 dr dm{f H$ gd gmymau g^m a{ddma {X.12 E{àb 2009 amoor gh$mir 9Ÿ&&Ÿ dmovm ñq>oq> ~±H$ H$m åßbošg, nå>mo ßbmPm, H$X ~ ~g Q>{_ ZbMo _mjo, ñq>m\$ Q> >oqzj g Q>a (ZdrZ B_maV), nuor (Jmodm) `owo Am`mo{OV Ho$br Amho. `m g^ov Imbrb H$m_H$mO hmob b. H$m` H«$_ n{ìh$m 1) JVdfuÀ`m dm{f H$ gd gmymau g^oz Va Á`m _ V g^mgxm Mr Zm do H$m`m b`mg H$i{dbobr AmhoV Aem _ V g^mgxm Zm lõm Obr dmhuo. 2) JVdfuÀ`m gd gmymau g^omm d Îmm V dmmyz _ Oya H$aUo 3) H$m` H$mar _ S>imÀ`m 2008 gmbà`m Ahdmbmg _ Oyar XoUo. 4) Vo `m H$mbmdYrV Á`m À`m d`mg 75 df} nyu PmbrV/hmoVrb Aem gd Á`oð> g^mgxm Mm gëh$ma H$aUo. 5) _mzzr` à_wi nmhþê`m Mo ^mfu. 6) _mzzr` AÜ`jm Mo ^mfu. 7) _mzzr` lr.~r.or.xm S>oH$a, `m Mo _mj Xe Zna ^mfu. 8) AÜ`jm À`m nadmzjrzo Am`Ë`m doià`m {df`m da MMm H$aUo. Jmodm VgoM aëzm{jar/qgywxwj {OëømVrb gd g^mgxm Zm {dz Vr H$s Ë`m Zr darb dm{f H$ gd gmymau g^obm CnpñWV ahmdo. VgoM da C oi Ho$boë`m g^mñwmzr Ë`mM {Xder Xwnmar 12 dmovm Amnë`m ~±Ho$Zo noýezg g^m (Pensioners Meet) Am`mo{OV Ho$br Amho. Var `mhr g^og gdmªzr CnpñWV ahmdo hr {dz Vr. H $n`m darb XmoÝhr g^m ~Ôb Amnë`m AmoiIrÀ`m g^mgxm Zm gymzm Úmdr. Mhm/AënmonhmamMr ì`dñwm g^mñwmzrm Ho$br Amho. VgoM `m dm{f H$ gd gmymau g^omr dojir ZmoQ>rg g^mgxm Zm nmr>{dbr OmUma Zmhr `mmr gd g^mgxm Zr Zm X `mdr. Am`.EM².S>m`g goh«o$q>ar 3

4 R>mUo-_wbw S> `wzrq> - ñq>oq> ~±H$ godm{zd Îmm Mo gm ñh ${VH$ _ S>i, R>mUo-_wbw S> ho gm ñh ${VH$ _ S>i ñwmnz hmod$z 4 df} nyu Pmbr AmhoV. R>mUo-_wbw S> {d^mjmvrb godm{zd Îmm Zr EH$Ì `od$z H$m hrvar {dym`h$ H$m` H$amdo øm CÔoemZo ñwmnz Pmboë`m _ S>imV\}$ Xadfu Imbrb {dym`h$ CnH«$_ Mmby R>odbo AmhoV. (1) lmdu _{hý`mv _{hbm gmr>r hixr-hw $Hy$ g_ma ^; (2) Amnë`m R>mUo `owrb Am {\$g_ü`o Mmb{dÊ`mV `oumè`m dmmzmb`mv {d{dy {df`m darb _amr>r, qhxr d B J«Or ^mfovrb OdiOdi 650 nwñvh$m Mm g_mdoe AgyZ, g^mgxm Zr XoUJr åhuyz {Xboë`m nwñvh$m ~amo~am, g^mgxm Zr gwmdbobr d ZdrZ IaoXr Ho$bobr nwñvh $hr g^mgxm Zm Kar dmmzmgmr>t CnbãY H$ê$Z {Xbr OmVmV. Ë`mM~amo~a, AZoH$ {Xdmir A H$hr {XdmirÀ`m n«g Jr dmmmd`mg CnbãY H$ê$Z {Xbo OmVmV. (3) godm{zd Îmm gmr>r d ÚH$s` {e~rammo Xadfu Am`moOZ Ho$bo OmVo. (4) Am ŠQ>mo~a 2008 nmgyz EH$ ZdrZM CnH«$_ gwê$ H$aÊ`mV Ambm Amho. Ë`mZwgma Xa XmoZ _{hý`m Zr, n{hë`m _ Jidmar Amnë`m R>mUo `owrb Am {\$g_ü`o O_yZ, _ S>imÀ`m EH$m gxñ`mzo gmymauv: 1 Vo 1Ÿ&& VmgmMm EH$ H$m` H«$_ gmxa H$aUo. Ë`mV - Amnë`m dmmzmv Amboë`m EImÚm gw Xa nwñvh$m~ôb dm Amnë`m N> Xm~Ôb _m{hvr XoUo, H$WmH$WZ, H${dVm dmmz, àdmg du Z, gwj_ g JrV Jm`Z BË`mXr Mm g_mdoe AgVmo. AmVmn`ªV Ago VrZ H$m` H«$_ gmxa H$aÊ`mV Ambo AmhoV. (1) 2 Am ŠQ>mo~a 08 amoor lr_vr g nxm dmjio `m Zr '{H$H$' - åhuoo {H$ñgo Am{U H${dVm - hm H$m` H«$_ gmxa Ho$bm. (2) 2 {S>g ~a 08 amoor lr.jmoqdx gmr>o `m Zr Ë`m À`mOdi Agboë`m OwÝ`m nu AdrQ> JmoS>rÀ`m _amr>r-qhxr JmÊ`m À`m ÜdZr_w{ÐH$m lmoë`m Zm EoH${dë`m. (3) 3 \o$~«wdmar 2009 amoor lr_vr JrVm gwio `m Mm "H$WmH$WZmMm' ~hmaxma H$m` H«$_ Pmbm. nwt>rb H$m` H«$_ {X. 7 E{àb 2009 amoor Amnë`m gh $b Agmo{gEeZMo goh«o$q>ar lr.bqijh$a ho "AéUmMb àxoe d VoWrb OZ-OrdZ' `m {df`mdarb EH$ "ñbmbs>-emo' gmxa H$aUma AmhoV. Var gd g^mgxm Zr `mmm Oê$a bm^ `mdm hr {dz Vr. lmdu _{hý`mv _{hbm g^mgxm gmr>r hixr-hw $Hy$ g_ma ^ g nþ Pmbm. gm.ew^xmvmb JmoIbo `m Mo ew^hñvo Xrn-àÁdbZ Pmë`mda YZlr JmoIbo `m Mo "g ñh $V gw^m{fvmvrb AW d ^d' `m {df`mda Aä`mgnyU Ago ^mfu Pmbo. E_².E.bm g ñh $V {df`mv gwdu nxh$ {dooë`m YZlrVmBªZr ûcmoh$m Mm AW {bb`m CbJSy>Z AmZ XmMr ~agmv Ho$br. g nxmvmb dmji Zr Am^ma _mzbo. {dxwbm Rw>go `m À`m CËH $ð> {Z`moOZm_wio H$m` H«$_ a JVXma Pmbm g^mgxm Zr hoa amhÿz AmZ X bwq>bm d MUo Am{U _gmbm XwYmMm AmñdmX KoD$Z a{gh$ navbo. R>mUo-_wbw S> n[agamvrb gd godm{zd Îmm Zr darb gd CnH«$_mV gh^mjr ìhmdo hr {dz Vr. - eax JS>H$ar, g{md ************** ñq>oq> ~±H$ noýezam Mm _oimdm ñq>oq> ~±H$ Am \$ B {S>`mÀ`m Zm nms>m, R>mUo hçm emiov\}$ ewh«$dma {X. 05/12/2008 amoor gm` H$mir 5.00 dmovm ~±Ho$À`m noýezam Mm EH$ _oimdm Am`mo{OV H$aÊ`mV Amcm hmovm. hçm g^ogmr>r _w»` A{VWr åhuyz lr. Oo.Ho$. nmq>rc, [aozc _ ZoOa, R>mUo {d^mj ho CnpñWV hmovo. hçm g^ocm gw_mao 50 noýezg CnpñWV hmovo d Ë`m_Ü`o _[hcm noýezg Mr CnpñWVr CëcoIZr` hmovr. g^oà`m gwadmvrg lr. {XdoH$a hçm Zr A{VWtMo ñdmjv Ho$co. Agmo{gEeZMo AÜ`j lr.ìhr.e_. JmoIco hçm Zr A{VWtMm n[am` H$ê$Z {Xcm d Ë`m Mo ñdmjv Ho$co. Ë`mZ Va Cn{ñWVm Zr Amnë`m AZoH$ AS>MUr - CXm. Q>rS>rEg H$mnUo, nrnre\$ darc ì`mom~ôc, Zm nms>m emiovrc OmJoÀ`m AS>MUr~Ôc, VoWrc J«mhH$ godo~ôc AZoH$ gymzm Ho$ë`m d BVa J«mhH$m Mr _Vo IynM ŠcoeH$maH$ AgVmV Ago gm {JVco. VgoM ~±H$ A{YH$mè`m Zr Ago AmœmgZ {Xbo H$s hçm gd gymzm H$aUmè`m Zm ~±Ho$~Ôc dmq>v AgUmè`m Ana nma Aem AmnconUmVyZ {Z_m U Pmcoë`m AmhoV. hçm àízm Zm emimì`dñwmnh$ lr. {XnH$ Xm S>oH$a d lr. nmq>rc hçm Zr g_n H$ CÎmao {Xcr. hçmz Va Amnco EH$ noýeza lr.a{zc dms>oh$a hçm Zr gd CnpñWVm Zm H$iH$irMo AmdmhZ Ho$co H$s 4

5 gd noýezam Zr 'Internet Banking' gw{dyomm dmna gwê$ H$amdm, OoUo H$ê$Z ~±Ho$Vrc JXu H$_r hmod$z g^mgxm Zm Ka~gë`m Utility Bills, MSEB Bills, MTNL Bills etc.)axm H$aVm `ovrc. Ë`mMà_mUo ~±Ho$Mr BVa ~arm H$m_o ~±Ho$V Z OmVm H$aVm `ovrc. hçm g X^m V CnpñWVm À`m AZoH$ àûzm Zm lr. dmsoh$a hçm Zr gw`mo½` CÎmao XoD$Z hr gw{dym AË` V Safe and Foolproof Agë`mMo gm {JVbo. lr. dms>oh$a hçm À`m AmdmhZmcm Mm Jcm à{vgmx {_imcm AgyZ Vo cdh$am Agmo. Am {\$g_ü`o hçm gw{dyoà`m dmnam~ôc g nyu _m{hvr gm JyZ àmë`{jh$ H$ê$Z XmI{dUma AmhoV. lr. ìhr.e_. JmoIco hçm Zr lr. dms>oh$a hçm Zm Amncm nyu nmqr>~m Agë`mMo Omhra Ho$co. lr. H$d} hçm Zr Am^ma _mzë`mda Aënmonhma d H$m \$snmz hmod$z gw_mao EH$ Vo XrS> Vmg Mmccoë`m g^omo g_mnz Pmco. - _myd ehmuo, g{md, R>mUo `wzrq> Q>rn : Á`m H$moUmg B Q>aZoQ> ~±qh$j{df`r OmñV _m{hvr nm{hoo Agob Ë`m Zr lr. dms>oh$a `m À`m _mo~mb b H«$_m H$ da g nh $ gmymdm. ******************** H$moëhmnya `wzrq> : {X. 1 \o$~«wdmar 2009 amoor {edmor CÚ_ZJa `owrb am_^mb gm_mur g^mj hm_ü`o `wzrq>mm "{ViJwi' g_ma ^ Am`mo{OV Ho$bm hmovm. Ë`m_Ü`o Amnë`m ghg^mgx gm.nm jo d gm.h$m{zq>h$a `m Zr Ë`m À`m g JrV {e{jh$m gm.hw$bh$uu `m Mo gh^mjmzo EH$ gwj_g JrV d ZmQ>çg JrVmMm ~hmaxma H$m` H«$_ gmxa Ho$bm. Ë`mV Amnbo g^mgx lr.h$m{zq>h$a `m Zr V~ë`mda, Va lr.amoq>rwmoa `m Zr hm_m}{z`_da CÎm_ gmw Ho$br. gd CnpñWVm Zr gd JmÊ`m Zm CËH $ð> XmX {Xbr. gm.zm_omoetà`m hñvo gd H$bmH$mam Mm `Wmo{MV gëh$ma H$aÊ`mV Ambm. Ë`mZ Va Amnë`m EH$ ghg^mgx gm.h$m MZ a_oe Y_mbo `m Mo "Zm_-_hmËå`' `m {df`mda N>mZ àdmz Pmbo. lr.àh$me {MÌo `m Zr Ë`m Mm n[am` H$ê$Z {Xë`mda gm.y_mbo `m Zr Amnë`m àdmzmv _Z:em VrgmR>r Zm_g H$sV Z H$go Amdí`H$ Amho d Ë`mZwgma Amnbo dv Z H$go Agmdo `mmo CÎm_ {Zê$nU Ho$bo. gmo.gwaoim Jwáo `m Zr Ë`m Mm hm{x H$ gëh$ma Ho$bm. Ë`mZ Va {ViJwi d hixr-hw Hy$ g_ma ^ Pmbm. Xw½YnmZmZ Va H$m` H«$_mMr gm JVm Pmbr. 70 g^mgx d ghg^mgxm Zr `mv ^mj KoVbm. lr. AemoH$ ñdm_r `m Zr Am^ma àxe Z Ho$bo. gyìg MmbZ lr.{mìo `m Zr Ho$bo. H$m` H«$_ `eñdr hmoê`mgmr>r gd lr H$a ~oih$a, Ama.Ama.Hw$bH$Uu, Ama.Or. Hw$bH$Uu, ZbmdS>o d ñdm_r `m Zr {deof n[al_ KoVbo. - àh$me {MÌo, g{md, H$moëhmnya `wzrq> Congratulations! One of our members from Nagpur Shri.Anil V. Patki has been appointed as Managing Director of "Shri Narkesari Prakashan", well-known Printers and Newspaper publishers of "Daily Tarun Bharat" from Nagpur. Before retirement in August 2007 Shri.Patki served the Bank successfully in various capacities including as a Branch Manager of our Amravati & Chandrapur Branches. He is also, at present, a 'Vidarbha Prant Sampark Pramukh' of RSS. While congratulating him on behalf of our Association we wish him a success in his new assignment as Managing Director of Shri Narakesari Prakashan. We also heartily congratulate Miss Aarti Vakil, daughter of Shri.Jayant Vakil, Secretary of our Nagpur ZSC, for winning a "Silver" medal in 'Chess' competition held during 41 st All India Central Revenue Sports Meet held at Mumbai. We wish her grand successes in future also. - Secretary A{^Z XZr` Amnë`m g KQ>ZoMo AZoH$ g^mgx "Z _o H$_ \$co ñn hm' Aem d ÎmrZo gmd O{ZH$ H$m_ H$arV AgVmV ho Iao. Ë`m À`m {Zanoj H$m_mMr nmom nmdvr g_mo H $VkVmnyd H$ XoVmo. Amnco J«Wmc` Mmc{dUmao EH$ H$m` H$V} lr.gw^mf JmoqdX ~ocgao `m Mm "Á`oð> ZmJ[aH$ g K ào_zja n[aga, nwuo 37' `m À`m dvrzo AmXe godmd«vr H$m` H$Vm Q >m \$s XodyZ ZwH$VmM Jm ad H$aÊ`mV Amcm. lr.~ocgao `m Mo ghf A{^Z XZ. - goh«o$q>ar 5

6 District-wise Alphabetical List of New Members admitted after August 2008 (Kindly refer earlier list printed in SAMVAD for August 2008) Pensioner Members Jalgaon Ahmednagar PM/9433 MR.SUDHAKAR KASHINATH JOSHI PM/9485 MR.NARAYAN J. DARANDALE PM/9547 MR.ATMARAM TULSHIRAM PATIL PM/9603 MR.SANTOSH L.GORE PM/9432 MR.SHIVAJI DASHRATH SANANSE PM/9487 MRS.HARSHADA H. KOLHATKAR PM/9492 MR.RAVINDRA L.SHIMPI PM/9538 MR.VIJAYKUMAR G.WALUNJKAR PM/9462 MR.SHASISHEKHAR P.KULKARNI PM/9441 MR.SUREH D.MATTE PM/9536 MR.ANANDRAO T.SALUNKHE Akola PM/9431 MR.GOPINATH ZAMBAR SHIMPI PM/9597 MR.VIJAY K.CHOPDE BM/9463 MR.PRALHAD PIRAJI THAKUR PM/9595 MR.JAYANT S.MAHAJAN Kolhapur PM/9596 MR.SHAMRAO K.MISALE PM/9537 MR.NANDKUMRA R. KULKARNI PM/9627 MR.GAJANAN B.SADATKAR PM/9495 MR.NOORMOHAMED S.MULANI PM/9562 MR.SUDHAKAR VISHNU WASE PM/9540 MR.GOVIND P.PARANJAPE PM/9574 MR.ASHOK D.KHANDARE PM/9488 MR.JAYANT B.RUKADIKAR Amravati PM/9437 MR.SURESH DINKARRAO SAWANT PM/9572 MR.SUREH BAPURAO PIDADI PM/9466 MR.SITARAM G.ZEPLE PM/9571 MR.MOHD.JAFAR QURESHI PM/9515 MR.JOTIRAM TUKARAM PATIL PM/9591 MR,PRAMOD S.THETE PM/9496 MR.PRATAP V.SARDESAI PM/9455 MR.NITIN B.UMARIKAR PM/9464 MR.PRAKASH DADABA SHINDE Buldana Latur PM/9599 MR.RAMESH N.GADEKAR PM/9461 MR.PANDURANG R.DESHMUKH PM/9598 MR.BAPURAO N.GAIKWAD Mumbai PM/9600 MR.MANOHAR D.JADHAV PM/9548 MR.ULLHAS KHANDERAO AJINKYA PM/9601 MR.VASANT O.KATKAR PM/9507 MR.ARUN DAMODAR ARAS Dombivali PM/9524 MR.GURURAJ KRISHNA AVDHANI PM/9606 MR.DILIP SHANTARAM KULKARNI PM/9450 MR.ANIL ANKUSH BAGAYATKAR PM/9527 MR.VIDYADHAR A.DESHPANDE PM/9554 MR.MOHAN P.BALVALLI PM/9444 MR.SUBHASH P. SAPRE PM/9528 MR.MAHADEO NARAYAN BANDEKAR PM/9443 MR.BHIKU MAHADEV TAMBE PM/9530 MR.ARVIND EKNATH BANDODKAR PM/9469 MR.CHANDRAKANT L.UTEKAR PM/9517 MR.DIWAKAR YESHWANT BHAVE PM/9470 MR.ANANT SADASHIV BANE PM/9499 SMT.YASMIN ASHOK BHISE Goa PM/9478 MRS.PRIYA VIVEK CHANDAN BM/9544 MR.COSMOS D.FERNANDES PM/9521 MR.PRAKASh K.CHANDSARKAR PM/9434 MR.DEVENDRA MADHAV GAWASKAR PM/9550 MR.DNYANOBA T. CHAPHEKAR PM/9543 MR.MUKUND J.KAMAT PM/9520 MR.PHIROZE F. DARUWALLA PM/9484 MR.SURESH S.KAMULKAR PM/9483 MR.SADIQ MOHSINBHAI DAS PM/9436 MR.SHRIVALLABH G. KHARANGATE PM/9472 MR.MANCHI F.DAVER PM/9494 MR.ASHOK B.MALKAERNEKAR PM/9475 MR.SUDARSHAN K.DEORUKHKAR PM/9545 MR.NARSINH M MANGESHKAR PM/9531 MR.VISHWANATH T.DHULAP PM/9541 MR.YESHVANT BALA NAIK PM/9447 MRS.JYOTI R.INAMDAR PM/9629 MR.MAHAN HARI PARVATKAR PM/9611 MRS.RAJASHREE J.JOSHI PM/9542 MR.MARIO DA COSTA PEREIRA PM/9482 MR.SHRIKRISHNA G.KAMERKAR PM/9618 SMT.THELMA A.E.PEREIRA PM/9453 MR.RAMESH NARSU KANCHAN PM/9435 SMT.MILAN DATTARAM SALKAR PM/9446 MR.ARVIND J. KHADAMKAR PM/9617 MR.YAHIYA M.SHAIKH PM/9522 MR.HIRALAL M. KODWANEY PM/9628 MR.DEEPAK K.SOLANKI PM/9442 MRS.REKHA SUNIL KSHIRSAGAR PM/9513 MR.SANTANO FRANCIS VIEGAS PM/9477 MR.ANAND T.KUDALKAR 6

7 PM/9471 MR.ANAND GAJANAN LAVAHATE PM/9479 MR.R.B.MANSUKH PM/9505 MR.CHANDRAKANT N.PHANSEKAR PM/9449 MR.YOGENDRA A.PIKLE PM/9609 MR.S.R.PRABHUKHADPE PM/9445 MRS.DHANLAKSHMI RAGHUVARAN PM/9529 MR.RAMESH R.RANE PM/9448 MR.PUNJARAM G.SANAP PM/9506 MR.HARISH V.SAWANT PM/9523 MR.SURYAKANT G. SHAH PM/9519 MR.NAUSHAD M.SHAIKH PM/9476 MR.VILAS VITHAL SHINDE PM/9481 MRS.ROSY ALVITO SOARES PM/9474 MR.BEHERAM J.SUKHESWALA PM/9510 MR.DEEPAK K.TALPADE PM/9473 MRS.SHUBHADA R. TATKE PM/9549 MR.RAMESH WAMAN TAYSHETE PM/9518 MRS.VANDANA B.TELANG PM/9452 MR.NIRANJAN B.VADHAVKAR PM/9525 MR.DIGAMBAR R.VANJARE PM/9509 MR.B.VISHWANATH PM/9511 MR.A.N.WADEKAR PM/9551 MR.VISHWANATH S.JOSHI PM/9613 MR.GIRIDHAR T.PAWAR Nagpur PM/9569 MR.BALIRAM N.BHAISARE PM/9566 MR.PRAKASH A.BORADKAR PM/9602 MR.DATTATRAYA R.DEGWEKAR PM/9625 MR.AMOB CHINTAMANI DEO PM/9561 MR.ARVIND D.DESHKAR PM/9560 MR.MUKTANAND M.DONGRE PM/9623 MR.MORESHWAR R.DUSSAWAR PM/9577 MR.VIJAY D.GUNDAPWAR PM/9559 MR.HARIBHAU PUNDLIKRAO INGOLE PM/9565 MR.RAMESHWAR S.INJEWAR PM/9624 MR.JANARDAN R.KADU PM/9570 MR.PRAMOD R.KATE PM/9592 MR.JAGDISHCHANDRA R.KHEKALE PM/9568 MRS.CHANDA S.MADANKAR PM/9593 MR.AJIT SHRINIWAS MARATHE PM/9567 MR.LALBAHADUR V.MURARKAR PM/9563 MR.CHANDRAKANT D.PANDE PM/9576 MR.NILKANTH M.PARATE. PM/9575 MR.SHAMRAO M.RAMTEKE PM/9594 MR.PUNDLIK K.SAHARE PM/9590 MR.PRAKASH R.WAGARKAR Nandurbar PM/9493 MR.SHIVAJI KHANDU KANADE Nashik PM/9581 PM/9489 PM/9490 PM/9535 PM/9465 PM/9558 PM/9582 Pune PM/9615 PM/9424 PM/9438 PM/9557 PM/9498 PM/9425 PM/9429 PM/9619 PM/9512 PM/9614 PM/9587 PM/9503 PM/9620 PM/9439 PM/9514 PM/9491 PM/9588 PM/9440 PM/9622 PM/9427 PM/9423 PM/9426 PM/9589 PM/9497 PM/9430 PM/9585 PM/9621 PM/9584 PM/9534 PM/9586 PM/9616 PM/9422 Raigad PM/9555 Ratnagiri PM/9630 PM/9486 PM/9459 Sangli PM/9583 MR.DILIP G.BELAPURKAR MR.SHARAD M.DESHMUKH MR.ASHOK CHINTAMAN MORE MR.BHASKAR DHONDIRAM MORE MR.SUHAS VAMAN WANI MR.VISHWAMITRA L.RAMAWAT MR.PUNDLIK LAXMAN THORAT MR.SANTOSH ANANDA BARI MR.VIRENDRA BRAGANZA MRS.SWATI ABHAY CHAUDHARI MR.PRAVINKUMAR D.DESAI MR.ANIL ANANTRAO DESHPANDE MR.RAJANIKANT R.DHOBLE MR.RAVINDRA R.DHONGADE MR.MOHAN SONBA GAIKWAD MR.ABDULLA GUDUBHAI GAJEKHAN MR.VILAS VASUDEO GANDHE MR.SHRIKANT N.GULVANI MR.T.HARISH MRS.MANIK RAVINDRA JAVKHEDKAR MR.BHALCHANDRA R.JOSHI MR.SUDHIR V.JOSHI MR.MADHUKAR J.KASAT MR.RAMBHAU D.KHAJBHAGE MRS.SWATI P.KHAMBETE MR.DATTATRYA S.KHATAVKAR MR.APPASAHEB DEU KURUNDWADE MRS.SANJIWANI D. MOHOLKAR MR.TAHERKHAN K.MULLA MR.VYANKATESH L.NARAYANKERI MR.BALU KISAN NARWADE MRS.VINAYA VISHWAS PAWAGI MRS.ANUJA ANIL PONKSHE MR.RAJENDRA R.SAHASRBUDHE MR.UTTAMRAO DEORAO SALUNKHE MR.DNYANESHWAR S.TAMBADE MR.PRAKASH SHRIPAD THUSE SMT.JAYSHREE S.TRYAMBAKE MR.SHIVRAM KISAN UNDE MR.DAGDU BALAJI SHIRKE MR.RAJAENDRA S. DHURAT MR.BHALCHANDRA SHANKAR BHAT MR.SHARAD D.VICHARE MR.PRAMOD MARUTI RAJDEEP 7

8 PM/9468 PM/9467 Satara PM/9456 PM/9458 PM/9579 PM/9460 PM/9578 PM/9457 PM/9580 Solapur PM/9428 PM/9516 PM/9546 PM/9539 PM/9454 Thane PM/9552 PM/9605 PM/9533 PM/9451 PM/9556 PM/9604 PM/9607 PM/9532 PM/9504 PM/9610 PM/9526 PM/9553 PM/9502 PM/9480 PM/9612 PM/9501 PM/9608 PM/9508 PM/9500 Wardha PM/9626 PM/9573 Washim PM/9564 MR.POPATRAO K.KARANDE MR.RAJARAM N.PAWAR MRS.PRANJALI P.KULKARNI MR.PANDURANG B.MAHADIK MR.VILAS SHAMRAO SALUNKHE MR.ABDULGANI M.SHAIKH MR.PRALHAD A.CHAVAN MR.NAVNATH SHANKAR KADAM MR.SUDHIR B.TURKEWADIKAR MR.BHAGWAT TUKARAM GAIKWAD MR.PRABHU SADASHIV GHADGE MR.ANIL RAMCHANDRA PITAMBARE MR.MOHAMMAD S.A.Q.SHAIKH MR.SIDHESHWAR M.SUPEKAR MR.AJITCHANDRA V.ABHYANKAR MR.ARUN DATTATRAYA KULKARNI MRS.ANJALI ARUN LALIT MRS.ASHA VIJAY NIMONKAR MRS.VANDANA ANIL PATWE SMT.RASHMI D. SARANGDHAR MRS.KIRTI H.SHEVADE MRS.ANJALI JAYANT VAIDYA MR.KUMAR AROKIA DASS MR.MANOHAR M.GAIKWAD MR.DHAKTU LAXMAN HORAMBE MR.VISHWANATH T.JADHAV MR.PRADEEP BABU KARKERA MR.GHANSHYAM B.KHAIRE MR.LILADHAR G.NANDESHWAR MR.ANAND R.PATKAR MR.NAVINCHANDRA G.RAUT MR.APPASAHEB R.SHINDE MR.MAHESH R.PURANDARE MR.SUDHIR NARAYAN BHINGARE MR.DATTARAYA V.THAKRE MR.DASHRATH K.UKANDE Associate Members Ahmednagar APM/8284 MRS.RATNAMALA N. DARANDALE APM/8287 MR.HEMANT G. KOLHATKAR APM/8336 MRS.VARSHA V.WALUNJKAR APM/8249 MRS.SINDHU S.MATTE Akola APM/8391 MRS.KANCHA V.CHOPDE APM/8389 MRS.SANDHYA J.MAHAJAN APM/8390 MRS.USHA S.MISALE APM/8414 MRS.MEERA G.SADATKAR APM/8359 MRS.SHOBHA S.WASE APM/8370 MRS.VAISHALI A.KHANDARE Amravati APM/8368 MRS.SUREKHA S.PIDADI APM/8367 MRS.ANJUM JAFAR QURESHI APM/8385 MRS.PUSHPA P.THETE APM/8262 MRS.RENUKA N.UMARIKAR Dombivali APM/8394 MRS.KUMUD D.KULKARNI APM/8326 MRS.MINAL V.DESHPANDE APM/8252 MRS.SNEHAL S. SAPRE APM/8251 MRS.PUSHPA BHIKU TAMBE APM/8272 MRS.VASHALI C.UTEKAR APM/8273 MRS.KALPANA A. BANE Goa APM/8341 MRS.ASHA MUKUND KAMAT APM/8283 MRS.SANGEETA S.KAMULKAR APM/8244 MRS.NEELIMA S.KHARANGATE APM/8294 MRS.SEEMA A.MALKARNEKAR APM/8342 MRS.GEETA N.MANGESHKAR APM/8339 MRS.USHA YESHVANT NAIK APM/8416 MRS.MIRA MOHAN PARVATKAR APM/8340 MRS.LIVINA DA COSTA PEREIRA APM/8406 MRS.HASINA SHAIKH APM/8415 MRS.HEMANTI D.SOLANKI APM/8312 MRS.ESPERANCA S. VIEGAS Jalgaon APM/8243 MRS.MADHURI SUDHAKAR JOSHI APM/8344 MRS.SHKUNTALABAI A. PATIL APM/8242 MRS.PUSHPA SHIVAJI SANANSE APM/8292 MRS.MUKTA R.SHIMPI APM/8267 MRS.NEETA S.KULKARNI APM/8334 MRS.ARUNA A.SALUMKHE APM/8241 MRS.ALKA G.SHIMPI Kolhapur APM/8335 MRS.SUREKHA N.KULKARNI APM/8295 MRS.JAINABAI N.MULANI APM/8338 MRS.SUNITA G.PARANJPE APM/8288 MRS.NEELIMA J.RUKADIKAR APM/8245 MRS.SHALINI SURESH SAWANT APM/8269 MRS.SANGEETA S.ZEPLE APM/8314 MRS.PRAMILA J.PATIL APM/8296 MRS.SHASHIKALA P.SARDESAI APM/8270 MRS.HEMLATA P. SHINDE 8

9 Mumbai APM/8345 MRS.ARCHANA U.AJINKYA APM/8306 MRS.REKHA ARUN ARAS APM/8323 MRS.HEMA G.AVDHANI APM/8258 MRS.VEENA A.BAGAYATKAR APM/8351 MRS.JYOTI MOHAN BALVALLI APM/8327 MRS.SEEMA M.BANDEKAR APM/8328 MRS.USHA ARVIND BANDODKAR APM/8316 MRS.DIPALI DIWAKAR BHAVE APM/8278 MR.VIVEK B,CHANDAN APM/8320 MRS.JYOTI P. CHANDSARKAR APM/8347 MRS.JESSIE D.CHAPHEKAR APM/8319 MRS.MAHARUKH P. DARUWALLA APM/8274 MRS.MAHROOKH M, DAVER APM/8276 MRS.DARSHANA S.DEORUKHKAR APM/8329 MRS.VIJAYA V.DHULAP APM/8255 MRS.RAVINDRA G.INAMDAR APM/8399 MR.JAYANT V. JOSHI APM/8282 MRS.SARITA S.KAMERKAR APM/8260 MRS.HEMA R.KANCHAN APM/8254 MRS.UJJWALA A.KHADAMKAR APM/8321 MRS.PUNAM HIRALAL KODWANEY APM/8250 MR.SUNIL M. KSHIRSAGAR APM/8277 MRS.JYOTI ANAND KUDALKAR APM/8279 MRS.MAHANANDA R.MANSUKH APM/8304 MRS.VAISHALI C.PHANSEKAR APM/8257 MRS.SHUBHA Y. PIKLE APM/8397 MRS.SANDHYA S.PRABHUKADPE APM/8253 MR.SUBBIAH RAGUVARAN APM/8256 MRS.SUNITA P.SANAP APM/8305 MRS.SUNETRA HARISH SAWANT APM/8322 MRS.HARSHA S.SHAH APM/8318 MRS.ANDLEEB NAUSHAD SHAIKH APM/8281 MR.ALVITO G.SOARES APM/8309 MRS.NUTAN D.TALPADE APM/8275 MR.RAVINDRA B.TATKE APM/8346 MRS.CHARUSHEELA R.TAYSHETE APM/8317 MR.BHAVANISHANKAR M.TELANG APM/8259 MRS.KAVITA N.VADHAVKAR APM/8324 MRS.DEEPA D.VANJARE APM/8308 MRS.JAYASHREE VISHWANTH APM/8348 MRS.VINAYA V.JOSHI APM/8401 MRS.RANJANA G.PAWAR Nagpur APM/8365 MRS.VIJAYA B.BHAISARE APM/8362 MRS.CHITRA P.BORADKAR APM/8392 MRS.ROHINI D.DEGWEKAR APM/8412 MRS.VRUNDA DEO APM/8358 MRS.APRNA A.DESHKAR APM/8357 MRS.JAISHREE M.DONGRE APM/8410 MRS.SHOBHA M.DUSSAWAR APM/8373 MRS.JAYSHRI V.GUNDAPWAR APM/8356 MRS.MANISHA H.INGOLE APM/8361 MRS.MANDAKINI R.INJEWAR APM/8411 MRS.VANDANA J.KADU APM/8366 MRS.MADHVI P.KATE APM/8386 MRS.JYOTSNA J.KHEKALE APM/8364 MR.SHRIKRISHNA G. MADANKAR APM/8387 MRS.ANAGHA A.MARATHE APM/8363 MRS.CHANCHALA L.MURARKAR APM/8372 MRS.SUDHA N.PARATE APM/8371 MRS.SUDHA S.RAMTEKE APM/8388 MRS.SANGITA P.SAHARE APM/8384 MRS.RAJANI P.WAGARKAR Nandurbar APM/8293 MRS.RAJANI S.KANADE Nashik APM/8376 MRS.USHA D.BELAPURKAR APM/8289 MRS.MALTI SHARAD DESHMUKH APM/8290 MRS.KAMALILNI A.MORE APM/8333 MRS.SUSHILA BHASKAR MORE APM/8268 MRS.MANGALA SUHAS WANI APM/8355 MRS.BHARTI V. RAMAWAT APM/8377 MRS.INDUBAI P.THORAT Pune APM/8404 MRS.YAMINI S.BARI APM/8234 MRS.LAURA BRAGANZA APM/8246 MR.ABHAY S.CHAUDHARI APM/8354 MRS.ANJALI P.DESAI APM/8298 MRS.ANJALI ANIL DESHPANDE APM/8235 MRS.VIDYA R.DHOBLE APM/8239 MRS.PUSHPA R. DHONGADE APM/8407 MRS.KUSUM MOHAN GAIKWAD APM/8311 MRS.HASINA A.GAJEKHAN APM/8403 MRS.VRUSHALI VILAS GANDHE APM/8381 MRS.VIDYA S.GULVANI APM/8302 MRS.SHAILA HARISH APM/8408 MR.RAVINDRA V.JAVKHEDKAR APM/8247 MRS.SAVITA B.JOSHI APM/8310 MRS.MADHURI V.JOSHI APM/8313 MRS.SUPRIYA S.JOSHI APM/8291 MRS.PREMLATA M.KASAT APM/8382 MRS.MANDA R.KHAJBHAGE APM/8248 MR.PRAMOD S.KHAMBETE APM/8409 MRS.ANURADHA D.KHATAVKAR APM/8237 MRS.SUGANDHA A.KURNDWADE APM/8233 MR.DNYANESHWAR S.MOHOLKAR APM/8236 MRS.SAYEDA T. MULLA 9

10 APM/8383 MRS.SUNITA V.NARAYANKERI APM/8297 MRS,BABAI B.NARWADE APM/8240 MR.VISHWAS R.PAWAGI APM/8379 MR.ANIL K.PONKSHE APM/8402 MRS.SHUBHADA A.SATHE APM/8332 MRS.RATNAMALA D.TAMBADE APM/8380 MRS.APARNA P.THUSE APM/8405 MR.SHIVLAMG S.TRYAMBAKE APM/8232 MRS.NALINI SHIVRAM UNDE Raigad APM/8352 MRS.SUNANDA D.SHIRKE APM/8286 MRS.VRUSHALI B. BHAT APM/8266 MRS.SHEELA S.VICHARE Sangli APM/8378 MRS.SUDHA P.RAJDEEP APM/8271 MRS.SHOBHA P.KARANDE APM/8285 MRS.MANGAL R. PAWAR Satara APM/8263 MR.PRAMOD M.KULKARNI APM/8265 MRS.SUJATA P.MAHADIK APM/8374 MRS.SHARDA V. SALUNKHE APM/8264 MRS.SHASHIKALA N.KADAM APM/8375 MRS.SUNITA S.TURKEWADIKAR Solapur APM/8238 MRS.RATAN B.GAIKWAD APM/8315 MRS.KAUSALYABAI P.GHADGE APM/8343 MRS.VAISHALI ANIL PITAMBARE APM/8337 MRS.SHAHNAZ M.S.SHAIKH APM/8261 MRS.SHEELA S.SUPEKAR Thane APM/8349 MRS.VAIJAYANTI A.ABHYANKAR APM/8393 MRS.SMITA A.KULKARNI APM/8331 MR.ARUN BHIKAJI LALIT APM/8353 MR.ANIL M.PATWE APM/8395 MR.HEMANT D.SHEVADE APM/8330 MR.JAYANT M.VAIDYA APM/8303 MRS.MEENA AROKIA DASS APM/8398 MRS.JAISHREE M.GAIKWAD APM/8325 MRS.SMITA D. HORAMBE APM/8350 MRS.PRAMILA V.JADHAV APM/8301 MRS.BHARATI P.KARKERA APM/8280 MRS.VIMAL G.KHAIRE APM/8400 MRS.KAMAL L.NANDESHWAR APM/8300 MRS.ANJANA A.PATKAR APM/8396 MRS.PRAMILA N.RAUT APM/8307 MRS.PRAFULLATA A.SHINDE APM/8299 MRS.MANISHA M.PURANDARE Wardha APM/8413 MRS.USHA S.BHINGARE APM/8369 MRS.PRATIBHA D.THAKRE Washim APM/8360 MRS.LATA D.UKANDE Family Pensioner Members Ahmednagar FPPM/1006 SMT.CHANDRAKALA K. KARLE Goa FPPM/1004 SMT.SUHASINI P.SHIGAONKAR Mumbai FPPM/1002 SMT.YVONNE FERNANDES FPPM/1001 MR.MALCOLM T. LOPES Nashik FPPM/1007 SMT.NALINI RAMESH GADHE Pune FPPM/1005 SMT.MEERA ARJUN ASWANI FPPM/1003 SMT.NIRMALA U. GADRE FPPM/1010 SMT.INDUKALA K. POTDAR Solapur FPPM/1009 SMT.RAJASHRI R. KULKARNI Thane FPBM/1008 SMT.MALATI VIJAY SAWANT Wardha FPBM/1011 SMT.KUSUM V.BHOSLE ****************************** 10

11 Sharpening Memory Despite Advancing Age It has been scientifically proved that the belief that brain deteriorates with advancing age is not correct. Just like we do physical workouts to maintain our health, it is necessary to do brain workouts to keep brain functions in order. For brain power, it is not age which counts. At any age, persons can be guilty of neglecting mental fitness. Scientist have discovered that brain is a flexible living organism with an amazing capacity to change and develops throughout life. In other words brain needs exercises to stay fit. Brain changes constantly.unless we know how brain functions, it is not possible to make use of its remarkable abilities. Food for brain is knowledge of how it works and deploying means to keep it active and fit. With proper use of techniques for brain workouts it will help to make use of the most of our brain at any time and to build this in the future. Positive Attitude and Brain Power In China, senior citizens are still generally rewarded for their wisdom unlike the negative connotations for their age in the West. In Harvard study, researchers compared the memory performance of Chinese group with the one from the USA. There was no difference in youngsters. But, the older Americans were outperformed by the older Chinese, who have much more positive attitude to aging. If we expect a life full of wisdom with stronger mental powers than ever, it is far more likely that this would be the case. The scientist Edward Tamb in 1991 commenced his research and established that the brain can completely revive itself and that areas not used regularly can be taken over by other functions. The research reveals amazing plasticity of brain. The late Christopher Reeve who met with horse riding accident was completely paralyzed and was unable to breathe unaided. With the help of Dr. John Mc- Donald, a neurological surgeon at Washington University at St Louis started to retrain his body and mind. He also used visualization techniques and was the first documented paralysis patient who went from State A (total paralysis) to state C (state E is normal) when he died due to adverse effect of antibiotics. Learning Power Through out life One of the most astonishing things about the human brain is its remarkable capacity for learning throughout life... Give your brain an input and its neuronal wiring will charge and learn. Without an input, that wiring stays unchanged, or even withers, as stated by Tony Buzan. This is why brain work -outs are necessary to tone up formations through out life even when physical work outs are not feasible as is revealed by Christopher Reeves experience stated above. One secret of age-proofing your brain, then, is to try something new (at all times despite age). The great thing about learning is that, the more you do easier it becomes... driving a car, for example, is tremendously complex task requiring a huge amount of co-ordination. But, it is done automatically due to brain power. David & Lipschitz, MD, Ph.D, says Frankly, I hate the term age-related memory loss... yet nearly every one assumes that memory loss and mental declines are somehow an inevitable accompaniment to wrinkles and grey hair He further states an example of a federal judge who was active on the bench right until his death at age 84, showed absolutely no diminishment in his knowledge and intellectual powers. Another case cited is of a business whiz who built one of the longest department store chains in the US, always amazed with his mental speed and grasp of details. we are all familiar with the expression, use it or lose it. Compelling new research suggests that the brain, like any other part of the body, stays healthier the more it is exercised. Brain Workouts 11

12 He further states that the study clearly showed that learning & mental activity throughout life is one of the best ways to ensure mental independence in later years. Brain workouts could be reading books, writing letters learning a foreign language or different computer programming, solving cross words etc. If you use your brain in a right way and keep challenging it, you can develop its astounding potential at any age as claimed by Tony Buzan. For more brain workouts, please read Tony Buzan s book Age Proofing your Brain. Run-of-the mill slips like forgetting where you put the car keys or spectacle are not loss of memory but absent mindedness. Forty years back, in early thirties I was once searching for the spectacle which I was wearing. These are cases of benign forgetfulness. One of the most interesting causes of memory problems is vitamin B12 deficiency. Depression, alcohol, sleep disorders can cause memory problems. One of the main problems of loss of memory is overmedication. David Lipschitz has given a list of medicines which should not be used by those over 65 years of age in his book, Breaking the rules of Aging. These are the drugs to avoid at all costs. The list includes sedatives, antacids, analgesic, tranquilizers and antispasmodic drugs. You do not need all those pills. There are number of ways to help prevent forgetting certain things. For example, telephone numbers are split into two blocks as it is difficult to remember large blocks. Telephone numbers or or which have blocks easy to remember. Forming images in our mind or writing down on yellow sticky notes or carrying notes of what we have to do. Simply, keeping the book to which you referred for action enables you to act when you glance at the book like informing some one the action point or taking medicine on a particular day. Good Health, Good Memory It has been stated above that totally paralyzed Christopher Reeve improved his condition by use of mind power when physical exercise was not possible. Mental activity by itself may be a good thing, but there is increasing evidence that physical activity may be equally important at reducing the risk of memory disorders. You should keep your blood pressure healthy. Get your blood pressure checked periodically. You should also have necessary tests for diabetes, deficiency of vitamin B12 & thyroid hormone. Thyroid deficiencies are very common in those 70 years and olders, and forgetfulness is one of the most common symptoms. Make sure that your cholesterol is low. Regular walks for at least half an hour and some aerobic exercises for,say,10 to 15 minutes should be done at least 5 times a week. You should rap the entire skull with knuckles and move fingertips firmly on the scalp in a rotary motion. This will help improving blood circulation to stimulate memory. While doing this it would be advisable to believe that your brain power will improve and that advancing age does not deteriorate brain power, if physical & mental exercises are done apart from regulating diet. Senior citizens should develop new interests and talents for brain workouts. One should maintain a strong social network and stay in touch with acquaintances. One should stay alert fro depression. Importance of Spirituality Embracing spirituality is quite important for tranquility of mind. Religiousness is different from spirituality. There is good evidence that people who cultivate spiritual learnings tend to be healthier than those who don t. Researches have taken a good look at the effects of prayer, meditation and spiritual practices on long-term health and consequently memory & brain power. 12

13 Kriya Yoga is a technique for union with the Infinite through a certain action or rite (Kriya). Kriya Yoga is twice referred in Bhagavad-Gita IV-29 & V Offering the inhaling breath into exhaling breath and offering exhaling breath into the inhaling breath, the yogi neutralizes both breaths; thus he releases prana from the heart and brings life force under his control. While doing kriya the person gazing at the point between the mid-spot of the eye-brows, controls his mind to banish desire, fear & anger. For more information of the subject, please refer to chapter 26, The Science of Kriya Yoga in Autobiography of a Yogi by Paramahansa Yogananda. Conclusion Mental health of many retirees is better than that it was prior to retirement. Surveys show that most people find retirement to be a liberating time. They have less anxiety and stress and they enjoy life more than they did during their working years. Note: This compilation has been made for the benefit of fellow retirees to give to them condensed information for sharpening memory and enjoying the remaining life. - S V Naik, Ph # (022) ; Cell # Attention Please (1) Have you done Nomination to your account/s? Please verify the position in this respect from your Home branch where you are maintaining your account/s. It is observed that when the "Core-Banking" system was introduced, the record of nominations was not carried over and the old nomination entries in the Ledgers are not appearing in the "Core Banking Account/s". If no record is found in your computer account, please apply afresh for the nomination after going to your Home- Branch. On making fresh application, you will get an acknowledgement-letter from the Bank within a fortnight or so, which should be preserved for future reference. (2) Have you got your Family Pension sanctioned? If not already done, please do so to avoid inconvenience to your spouse in future. (3) Have you preserved copies of all sanctions/calculation sheets in respect of your Pension/Provident Fund/Gratuity etc.? (i.e. your terminal benefits). This should be done for your future ready references in case of need. - Secretary Congratulations Dr. Santosh Thakur Dr. Santosh Thakur, son of Mrs. & Mr. Bhaskar Thakur, our member from Thane, has secured First Rank and topped in the M.D.(Medicines) examination from Mumbai University.. He also secured the following medals and prizes :- 1) The Prince of Wales Gold medal; 2) Dr.Chunibhai Shankarbhai Patel Gold Medal; 3) Dr.V.S.Palekar Memorial Prize; 4) Dr. Latif patel Prize; 5) Late Dr. R.B.Bilimoria Prize; 6) Dr.Nusserwanji Fakirji Surveyor, Shirinbai Nusserwanji Surveyor, Khodabux Nusserwanji Surveyor & Noshirwan Khodabux Surveyor Memorial Scholarship for the year 2008; and 7) The Hansraj Pragji Thackersey Prince of Wales Fellowship for the year 2008; Dr. Santosh did his M.B.B.S. from G.S.Medical College, parel, mumbai and his M.D. from Nair Hospital, Mumbai. On behalf of our Association, we heartily congratulate Dr. Santosh for his excellent and examplary performance in his career! We are proud of you!! 13

14 Salutations and Appeal Recalling Heroes, Martyrs and Innocent Victims of 26/11 We address this appeal to the good sense and conscience of the esteemed members of SBI Pensioners' Association, inviting them to donate for a sublime cause. The Mumbai carnage shocked and saddened the civilised world. No strangers to terrorist violence, both homegrown and cross-border, the Indian people are nevertheless aghast at the magnitude of the mindless massacre, numb with grief at the sheer scale of human tragedy. The collective conscience of mankind has awakened once more to the challenge of combating global terrorism. The wound inflicted by the tragic occurence has cut deep into our social psyche and national consciousness. The urge to avenge the wrong has seized our being. Our pent up anger boils over. Our seething frustration seeks a vent. Our sense of outrage hardly finds an outlet. We mourn the loss of human lives and offer prayers and condolences. We salute the va;our and sacrifice of our police brethren who died that we might live. We go public with our sympathy by putting up banners, boards and memorials. We light candles. We hold protest marches. We conduct meetings. We form human chains to symbolize our unity and solidarity in this dark hour of trail. These doubtless make for spontaneous outpourings of public outrage and are genuine expressions of our empathy for the bereaved and the aggrieved. Gestures not backed by concrete action though are no better than tokenism. We must go beyond protests, prayers and gestures and harness public feelings to channel them into constructive endeavors. As we clamour for culprits to be brought to swift and summary justice, bemoan system and security failure notwithstanding inputs and recurring tragic experience and haul the government over the coals for inefficiency, do we ask ourselves what humanitarian service on our part will honour the memory of our fellow citizens who had to pay with their lives for no fault of theirs? We cannot foolproof the society against man-made disasters and natural calamities. We can surely hope to minimize the virulence of their impact. One way to do so is to contribute towards the establishment of a chain of Hospitals accross the length and breadth of the country. These would provide succour and treatment to the victims of violence, be it through war or terror, so that innocent lives are saved. With the sole motive of social service, recently a team of highly qualified young doctors has voluntarily initiated one Hospital at Nashik, named as "Shri. Guruji Rugnalaya". Bhosal Military School, Nashik has donated 5 acres of land for this integrated Hospital which is under constructions and could do with financial assistance for early completion. The signatories of this appeal have already donated one full month's pension for the purpose. May we call upon to our ex-colleagues in SBI Mumbai Circle to emulate this worthy example and support a noble cause by donating a month's pension? This could be a most meaningful tribute to the hallowed memory of the heroes, martyrs and innocent victims of 26/11. The cheques / drafts should be drawn in favour of "Shri Guruji Rugnalaya, Nashik" and forwarded to Shri.Guruji Rugnalaya, Umiya Apartments, 2nd Floor, Dr. Hedgewar Chowk, Canada Corner, Nashik (Phone Nos.(0253) / shrigurujirugnalaya@gmail.com The donations to the Rugnalaya are exempted from Income-tax inder section 80-G, (Reg.No.F- 1628/88) - K.G. alias Nana Gore & D.B.Deshmukh 14

15 Agmhr EH$ "{gš`w[aq>r MoH$'! E{àc 2004 Mr Jmoï>! Ë`mdoir _r ñq>oq> ~±Ho$V EH$ emim{yh$mar åhuyz H$m_ nhmv hmovo Am{U emim{yh$mè`m À`m à{ejumgmr>r _r h Ðm~mXcm Om`cm {ZKmco hmovo. Xwnmar 3.30 dmovmmo {d_mz hmovo. Voìhm 2 dmoon`ªv nmohmommdo åhuyz _r KamVyZ EH$À`m gw_mamg {ZKmco. [ajmv ~gvmzm _cm AmR>dco H$s g\ $ `m`mm am{hcm. _J _r _cm [ajmn`ªv gmos>m`cm Amcoë`m _mâ`m _wcrcm n go {Xco Am{U g\ $ KoD$Z `m`cm gm {JVco. {VZo MQ>H$Z OmD$Z g\ $Mo EH$ nmh$sq> AmUco. g\ $ Am{U Cacoco gwq>o n go Agcocr ßc pñq>h$mr {nedr {VZo _mâ`m hmvmv {Xcr. _r Vr _mâ`m ~ JoV R>odcr Am{U {ZKmco. {d_mzvimda _r cdh$a nmohmomco hmovo Am{U _mâ`mh$s>o \$mago gm_mzhr ZìhVo; åhuyz _r BH$S>o{VH$S>o {\$ê$z {Q>.ìhr. ~KV ~gco Am{U AJXr gmdh$me Odi Odi eodq>m {gš`w[aq>r MoH$gmR>r Joco. {gš`w[aq>r MoH$ H$ê$Z _r ~mo{s>ªjgmr>r Joco, Va _cm {VWë`m A{YH$mar ~mbªzr AS>dco Am{U {gš`warq>r MoH$ H$ê$Z _J `m, Ago gm {JVco. _r AmVmM {gš`warq>r MoH$ H$ê$Z Amco Agë`mMo gm JVmM, "~ Joda Vgm {ešh$m Agë`m{edm` ~mo{s>ªj H$aVm `ouma Zmhr; Voìhm Vgm {ešh$m _mê$z AmUm, _J gmos>oz _r Vwåhmcm,' Ago {VZo _cm gm {JVco. Amåhr XmoKr ~mocv Agë`mMo nmhÿz, Xwgam A{YH$mar nwt>o Amcm. Ë`mZo _cm Amnë`m~amo~a {gš`w[aq>r MoH$ H$mD $Q>acm `m`mr {dz Vr Ho$cr. {VWo Joë`mda {VWo Agcoë`m ñh«$szda _mâ`m ~ JoV H$mhr Amjonmh Agë`mMo {XgV Agë`mZo, _mâ`m ~ Joda {ešh$m _macocm Zmhr, Ago _cm gm JÊ`mV Amco. _cm EH$X Om dmq>cr, "Vwåhr _mpr ~ J CKSy>Z nmhÿ eh$vm, Ë`mV H$mhrhr Amjonmh qh$dm dmdjo gmns>uma Zmhr Vwåhmcm,' Ago _r Ë`m Zm R>m_nUo gm {JVco Am{U _r ~moycm OmD$Z C^r am{hco. Vo nmhÿz {VWcm Omo A{YH$mar gm_mzmv H$mhr Amjonmh AmT>ië`mZo `mo½` Vr H$m` dmhr H$aV hmovm. Vmo EH$X cm åhumcm, "~Km, ~Km ~ XyH$ gmns>cr!' _r M{H$V hmod$z Ë`mÀ`mH$S>o nm{hco, Vgo Vmo hgyz åhumcm, "Vw_À`m ~ JoV Zmhr. Vw_À`m AmYrÀ`m àdmemà`m ~ JoV. nu AmVm Ë`m_wio, Vw_Mr ~ J {ŠcAa ìhm`cm doi cmjuma.' _r {dmma H$ê$ cmjco. Amnë`m ~ JoV H$m` AgUma Amjonmh? Am{U _J EH$X_ EH$ {dmma M_H$cm _mâ`m _ZmV. _mâ`m ~ Jocm Hw$cwn Zmhr. g_om Ë`m AmYrÀ`m àdmemzo _mâ`m ZH$iV _mâ`m ~ JoV H$mhr Q>mH$co Agoc Va? AmVm _mì _cm Iyn ^rvr dmqy> cmjcr. nu {^D$Z MmcUma ZìhVo. _r em V C^r amhÿz H$m` hmovo Vo nhm`mo Ago R>adco. eodq>r EH$XmMm Vmo A{YH$mar _moh$im Pmcm. _J Ë`mZo EH$Xm _mâ`mh$s>o Am{U EH$Xm _mâ`m ~ JoH$S>o nm{hco. _J EH$mcm ~mocmdyz Ë`mZo _mpr ~ J nav MoH$ H$am`cm gm {JVco. _cm EH$X_ hm`go dmq>co. Am{U AmVm EH$XmMm {ešh$m _mê$z {_iuma, Ago dmqy>z _r {ZpíM V Pmco. nu ~KVo Vmo H$m`? ~ J nav AS>H$cr hmovr. AmVm gdmªzmm CËgwH$Vm dmqy> cmjcr hmovr. BVa A{YH$marhr {VWo Jmoim Pmco. nav ~ J MoH$ Ho$cr Jocr. nav ~ J ñh«$szda AS>H$cocr {Xgcr. _ZmV Zdc H$arV _r Ë`m Zm nwýhm nwýhm gm JV hmovo, "Vwåhr ~ J CKSy>Z ~Km, Ë`mV H$mhrhr Amjonmh gmns>uma Zmhr, _cm ImÌr Amho.' Ë`mZo _cm gm {JVco, "Vw_À`m ~ JoV EH$ Jmoc AmH$mamMr YmVyMr dñvy Amho, Á`m_wio ~ J ŠcrAa hmov Zmhr. H$m` Amho Vo?' _r åhq>co, "Aer H$mhr dñvy _mâ`m ~ JoV Agë`mMo _cm {ZXmZ AmR>dV Var Zmhr.' eodq>r Ë`m Zr ~ J CKSy>Z ~Km`Mo R>adco. EH$-XmoZ ßc pñq>h$à`m {neì`m Am{U _mpo H$nS>o EdT>oM gm_mz hmovo _mpo. EHo$H$ {nedr H$mTy>Z _mpr ~ J nav-nav MoH$ Ho$cr Jocr. eodq>r EH$ ßc pñq>h$mr {nedr gmns>cr, {OÀ`m_wio ~ J nav nav AS>dcr OmV hmovr. EìhmZm _cm, "AmVm H$m` hmouma?' åhuyz H$miOr Am{U ^rvrhr dmqy> cmjcr hmovr, _Z AñdñW Pmco hmovo. nu EH$sH$S>o Vo ½dmhrhr XoV hmovo, H$s H$mhrhr hmouma Zmhr. H$maU ZmhrM Amho Amnë`mH$S>o, H$mhrhr Amjonmh! AmVm Ë`m A{YH$mè`mZo {nedrv hmv KmVcm, Vr dñvy ~mhoa H$mT>m`cm. Vr dñvy Ë`mÀ`m hmvmcm cmjcr _mì, Vmo EH$X_ OmoaOmoamV hgv gwq>cm. Amåhr gd M Ë`mÀ`m Vm S>mH$S>o nhmvm am{hcmo. Vmo BVH$m hgv hmovm H$s Vo ~KyZ H$mhrhr Z H$iVmhr Amåhr gd M hgy cmjcmo. _J Ë`mZo {nedrvyz hmv ~mhoa H$mT>cm Am{U hmvmvcr Vr, "Jmoc AmH$mamMr YmVyMr dñvy' gdmªzm XmIdcr. Vo hmovo EH$ nmm én`mmo ZmUo! g\ $ {dh$v KoVë`mda {_imcoco! g\ $gh$q> Vo ZmUo, _mâ`m _wcrzo ßc pñq>h$à`m {nedrv Q>mH$co hmov. _r Vr {nedr VerM _mâ`m ~ JoV KmB KmB Zo Q>mH$cr! Ë`mM ZmÊ`mZo hm EdT>m gjim Jm Yi KmVcm hmovm. Vo ZmUo {_ivmm KmB KmB Zo hmv ~mhoa H$mT>VmZm Ë`m A{YH$mè`mÀ`m hmvyz Vr g\ $Mr {nedr \$mq>cr. Ë`mMo hmv g\ $Zo _mico Am{U Vo Ywdm`cm Ë`mcm cjom Omdo cmjco. AZ² gwq>ho$mm {Z:œmg Q>mH$VmZmM, Oa H$mhr {_imco AgVo MwHy$Z Va? Va, _mprm YwcmB Pmcr AgVr. nu _mpr YwcmB H$am`cm Q>ncoë`m Ë`m A{YH$mè`mMrM Aer YwcmB Pmcr, Agm {dmma _ZmV Amë`mZo hgvm _r eodq>r EH$XmMo ~mo{s>ªj Ho$co. - gwc^m nmq>rc, _wcw S> (nyd ) _w ~B 15

16 _m_m Cno{jV, Jar~, nxx{cv cmoh$m Zm ñdv:à`m nm`mda C^o amhê`mgmr>r gmymauv: 1982/83 À`m Xaå`mZ H $Ðr` gah$mazo H$_r ì`mommr (µdir) Img H$O `moozm Omhra Ho$cr d Vr gd gah$mar ~±H$m Zm gšvrmr Ho$cr. gd Ì amoo H$O _oimdo hmov hmovo. AgmM _r EH$m emiov ho AO VnmgUrMo H$m_ H$aV AgVm EH$ gw{e{jv nu Jar~ Agcocr _{hcm Amcr hmovr. _mâ`m g_moa A XmOo 300/350 AO hmovo d _r EHo$H$mMr _wcmiv KoD$Z AO {ZH$mcr H$mT>V hmovmo. gmymauv: ~aom AO ^mor{dh«o$vo, \o$ardmco, hmvjms>rdmco `m Mo hmovo. H$Om Mr JaO gmymauv: 2000 Vo 5000 Mr hmovr d Vr gah$mar `moozoà_muo hmovr. _wcmiv Mmcy AgVmZm _mpo cj darc _{hcoh$s>o Joco. _r Ë`m Zm {dmmaco, "VmB Amnco _mâ`mer H$mhr H$m_ Amho H$m? AmVm _r Oam H$m_mV Amho.' Ëd[aV Ë`m _{hcozo _mpo gdmªg_moa nm` Yaco. _cm B J«OrV gm {JVco, "AmnU _cm VmB åhuyz _mpm _mor>m gý_mz Ho$cmV. nu Vwåhmcm ~m`~c _Yrc EH$ Jmoï> _m{hv AgocM. Var _r øm gdmªg_moa WmoS>Š`mV gm JVo, ^md$, EH$ _{hcm dmam JZm ì`m{^mmar AgVo. Iyn _ohzv H$ê$Z EH$m Mm Jë`m dñvrv Ka KoÊ`mgmR>r OmVo. Va g_mo {Vcm hmh$cyz XoVmZm _mamd`mg cmjvmo. AMmZH$ `oey {¼ñV> àjq> hmovmo Am{U gd g_momcm {dmmavmo H$s Agm Omo H$moUr Agoc, Á`mZo OrdZmV H$moUË`mhr àh$mamm ì`m{^mma, ^«ï>mmma, XwamMma Ho$cm Zgoc, Ë`mZo øm _{hcoda XJS> _mamdm. gd g_mo _mjo hq>cm d {Vcm dñvrv gm_mdyz KoVco.' _mâ`mgh gd AO Xmam Mo S>moio nmumdco. _r Oam _Zmcm KÅ> H$ê$Z Ë`m _{hcocm {dmmaco, "Amncm H$Om gmr>r AO Amho H$m?' Ë`m _{hcozo gm {JVco, "_cm Imocr go{dê`mgmr>r \$ŠV 4000 ê$n`m Mr JaO Amho. _cm _mâ`m Zdè`mÀ`m AMmZH$ _ Ë`yZ Va ì`m{^mmammm _mj nëh$amdm cmjcm. _mâ`m hþema _wcmgmr>r ZmBcmOmZo hm ì`dgm` H$aÊ`mg VWmH${WV g_mogodh$m Zr _cm ^mj nms>co Amho. H $n`m _cm _XV H$am. _r Zdam, _wcmmr enw KoD$Z gm JVo H$s, Amnco H$O EH$ dfm V \o$s>oz.' ho EoH$V AgVmZm EH$ ~Q>mQ>çmMm \o$ardmcm hmvjms>rdmcm Amcm d Xhm homa ê$n`o H$O _mjy cmjcm. nu _r Ë`mcm \$ŠV 500 ê$n`o H$O _ Oya H$ê$ eh$v hmovmo. Vmo ì`mnmar amoo amoo `ov Ago d AZoH$ _mjmªzr Iyn X~md AmUV Ago. EH$Xm Va EH$ amá`_ Ìr AmUyZ _mâ`mda Vmo X~md Q>mHy$ cmjcm. Ë`mM doir darc _{hcm AMmZH$ Amcr d H$Om gmr>r {dzdur H$ê$ cmjcr. _ Ìr _hme` amjmzo åhumco, "Vwåhr Aem ì`{^mmar cmoh$m Zm H$O XoVm d H$ï>mZo OJUmè`m N>moQ>çm ì`mnmè`mg H$m _XV H$aV Zmhr?' _cm Voìhm H$ico H$s Vr _{hcm AZ {VH$ Y Xm H$aV hmovr. _r H$mhr ~mocmd`mà`m AmV Vr _{hcm åhumcr, "AmnU _mâ`m Aghmæ`VoMm, _O~warMm \w$h$q> \$m`xm KoD$Z ~XZm_r H$aVm ho gd g_momcm _m{hv Amho.' _r Ë`m ì`mnmè`mcm (hmv JmS>rdmcm) {dmmaco H$s, "AmnU amoo {H$Vr ~Q>mQ>o {dh$vm d Xhm homa ê$n`o H$emgmR>r hdo AmhoV?' Vmo åhumcm, "_r amoo 8/10 JmoUr ~Q>mQ>o {dh$vmo. gmymauv: 1500/2000 ê$. amoo J m O_Vmo.' åhuoo Ë`m ì`mnmè`mmr dm{f H$ CcmT>mc 5-6 cmi hmovr. _r Ë`mcm BÝH$_ Q> Šg, goëg Q> ŠgMr {dmmaum Ho$ë`mda Vmo åhumcm, "øm dñvy H$moR>o {dh$v {_ivmv.' eodq>r Ë`mMm AO {ZH$mcr H$mT>cm. Ë`m _{hcomr Jmoï> _r _mâ`m ghh$mè`m Zm d d[að>m Zm gm {JVcr. gdmªzr gm_m{oh$ ~m {YcH$s åhuyz Ë`m _{hcog _XV åhuyz H$moUË`mVar `moozov ~g{dê`mg gwm{dco. gxa _{hcog H$nS>çmMr \o$ardmcr XmIdyZ 4000/- ê$n`o H$O _ Oya Ho$co. Amü` åhuoo gxa _{hcozo Ë`m n emmm gxwn`moj H$ê$Z ~±Ho$Mo H$O 10 _{hý`mv \o$s>co. Ë`m _{hcozo H$ï>mZo Amnë`m _wcmg dmt>dyz CÎm_ g ñh$ma XoD$Z OJà{gÕ Am`².Am`².Q>r g ñwo_yyz E_².Q>oH$. hr Cƒ nxdr {_idê`mg hmv^ma cmdcm. AmVm Vmo _wcjm EH$m ~hþamï >r` H $nzrv _mor>çm hþúmda AgyZ Mm Jcm pñwa Pmcm Amho. Ë`mMm {ddmh hmod$z Ë`mcm _wco ~mio AmhoV. Vmo Ë`mÀ`m AmB cm KoD$Z _{hý`mvyz EH$Xm Var "_m_m' åhuv _cm ^oqy>z OmVmo. - AemoH$ X. ~wq>mcm, ndb -_w ~B ^ñ_mgya ^ñ_mgya, cmxozê$nmv àjq>cm Ÿ& _ycvîddmxmmm, cmìhm Cgicm && ^mavmdavrhr Ë`mMm dh«$ S>moim & AZ² H«y$a H$nQ>r h m~moc Ho$cm && ZoË`m Mm {ZË`mà_mUo Jm Yi Pmcm & EH$_oH$m davr Xmof PQ>H$cm && eya OdmZm Zr namh«$_ Ho$cm & ^`^rv OZVocm {Xcmgm {Xcm && nyduhr g H$Q>m Mm Kmcm Pmcm & Var ^mav Jm\$scM am{hcm && hiyhiy H$mocmhc em V Pmcm & _muyg nwýhm H$m_mV X J Pmcm && - Aê$U ^Q>, ~Xcmnya, nyd ^«_UÜdZr

17 ào_ EImXr jw H$ órgwõm EImÚm dranwéfmcm de H$ê$ eh$vo `mmo Oo H$YrM ào_mv ns>v ZmhrV Ë`m Zm Amü` dmq>vo. nu ào_mv ho AKQ>rV Zoh_rM KS>V Amcoco Amho. ào_ Am Yio AgVo, ào_mv gmao jå` AgVo, gmao _m{hv AgVmZmhr _muyg {nt>r Xa{nT>r ào_mv H$gm ns>vmo, `m A{VJhZ àýmmo CÎma ào_roz EH$mM dmš`mv XoVrc - "hm` gmh$s, VyZo {nhr Zhr Ÿ&' ào_mv ns>uo hm eãxà`mojm {H$Vr J_VrXma Amho? ho ns>uo H$go AgVo. Vo ào_mv JQ>m Jù`m Imë`m{edm` H$iÊ`mgmaIo Zmhr. Omdo Ë`mÀ`m d em, VoìhmM H$io nu AmO ào_ H$aÊ`m~amo~aM Vo XmI{dÊ`mcmhr VodT>oM _hîd àmá Pmcoco Amho. H$Yr H$Yr Va N>Q>mH$^a ào U^a XmIdUo XoIrc AgVo. ho àxe Z H$Yr hmd^mdm Zr, H$Yr eãxmoƒmamzo Va H$Yr ({c{iv) eãx{mýhm Zr AgVo. "Iw _ Iw m ß`ma H$a Jo h_ XmoZm ' Ago àë`j Vm S>mZo åhq>ë`m{edm` VéU {nt>rcm ào_ Ho$ë`mgmaIo dmq>vm Zmhr H$s H$m` H$moU OmUo! nyduà`m H$mir _mì ào_mv Agm àxe Zr` ^mj _wirm ZìhVm. Var ào_ ZìhVo H$m? AWm V ào_ ho hmovom. nu Vo _wôm_ MmaMm Km Zm XmIdÊ`mMr JaOM ZìhVr. ào_ hm XmIdÊ`mMm, {dûcofummm, MM}Mm {df`m ZìhVm. Vmo Ho$di AZw^dmMm {df` hmovm. AmOÀ`m ^mfov gm Jm`Mo Pmco Va, Vmo à ŠQ>rH$cMm {df` hmovm. {WAarMm Zìho! "_mohã~v Eogr YS>H$Z h, Omo g_pmb Zht OmVr Ÿ&' AmOÀ`m Yw_YS>mŠ`mÀ`m VwcZoV, nydu {H$Vr em VnUo ào_ Ho$co Om`Mo, `m g X^m V _cm OwZo àu`aå` {MÌnQ>JrV AmR>dVo. EH$ {à`h$a-ào`grmr OmoS>r Zoh_rà_mUo g_wð{h$zmè`mda ^Q>H$m`cm Amcocr Amho. "H$íVr H$m Im_moe g\$a h, em_^r, VZhmB ^r, Xya {H$Zmaona ~OVr h, cham H$s ehzmb ^r Ÿ&' Vmo AmO Amnë`m _Zmer ZŠH$s R>adyZ Amcocm Amho. AmOVar ào`grodi Amnco ào_ ì`šv H$amd`mMoM. "AmO _wpo Hw$N> H$hZm h, AmO _wpo Hw$N> H$hZm h Ÿ&' nu {VÀ`m Mohè`mdarc cmoao^md d Ë`mÀ`m _ZmVcr Ii~i Ë`mcm ào_^md ì`šv H$ê$ XoVrc H$m`? ""co{h$z `h e{_ cr {ZJmho _wph$mo BOmOV Xo Vmo H$hÿ± Ÿ& IwX _oar ~ovm~ C_ J WmoS>r \w$agx Xo Vmo H$hÿ± Ÿ&'' {edm` _ZmV EH$ ^rvrxoirc Amho, {hcm Amnco ~mocuo AmdS>co Zmhr Va? ""H$hVo hþe S>agm cjvm h H$hH$a ~mv Z Imo ~ Ry>± Ÿ& `o Omo Oamgm gmw {_cm h, `o ^r Z gmw Imo ~ Ry>± Ÿ&&'' nu eãx Vm S>mVë`m Vm S>mVM amhÿz, ^md Oa ~amo~a AmoiIco Joco Va _wôm_ H$mhr eãxm Zr gm Jm`Mr JaO Var amhvo H$m? ""{XcZo {XcH$s ~mv g_p cr A~ _w±hgo Š`m H$hZm h? AmO Zhr Vmo H$c H$h X Jo A~ Vmo gmwhr ahzm h Ÿ&'' Aem àh$mao nydu H$mhr Z ~mocvm, Z XmIdVm ào_roz ào_ H$am`Mo. _mì XmIdm qh$dm Z XmIdm, ào_ hr _mugmcm {ZgJm Mr cm^cocr XoUJr Amho `mv e H$m Zmhr. IaoVa órnwéfm _Yrc gho Z g{j H$ AmH$f U hr ào_mmr n{hcr nmr>emcm Amho. ho Aì`ŠV ào_m _J ^md{zh$, _mz{gh$, gm_m{oh$ d AÜ`mpË_H$ nmvù`m da MT>V OmD$Z Amnë`mcm g_ Õ d gd ì`mnh$ ~ZdV OmVo. ào_ ho ~ YZmV R>odVo hr MwH$sMr g_oyv Amho. _J Vo Iao ào_m Zmhr. EH$ gw Xa B J«Or H${dVm Amho - "If you love something set it free. If it comes back, it is yours if it doesnot, it never was." Iè`m ào_mmr hrm Iar narjm Amho. ào_mzo _Zwî`mMo _Z {demc hmov OmVo. XyaXyaMr _mzdr gwixw:io Ë`mcm ñdv:mr åhuyz OmUdy cmjvmv. OdiÀ`mM Zìho Va XyaÀ`m _mugm À`m ì`wm Zrhr _J as>m`cm `ovo. _Zwî` X dr nmvirda MT>Vmo. "d îud OZ Vmo VoUo H$hr`o, nrs> nam`r OmZr ao Ÿ&' gdmª~ôc AmË_r`Vm dmq>uo hr ào_mmr gdm}ƒ AÜ`mpË_H$ AdñWmM Zmhr H$m`? - gm.d emcr {do` amdio, "ervc' ñq>oq> ~±H$ H$m czr, A_amdVr cìhg nmh $ ""ho H$m` ao, _cm åhumcmg nmh $_Ü`o OmD$ `m Am{U BWo H$m AmUcog _cm?'' e{_ cm cq>š`m amjmz AO`cm åhumcr. ""Ag H$m` ~mocvog J Vy, `m _moq>ocmo Zmd dmm Zm H$m` Amho Vo - cìhg nmh $! _r ImoQ>o H$Yr gm JoZ H$m H$Yr?'' AO` H$ma_YyZ CVaV åhumcm. - {ddoh$ R>mHw$a, XmXa (_w ~B ) XyaÜdZr - (022)

18 gágwam Zmo... (n.^r_goz Omoer `m Zm "^mavaëz' hm gdm}ƒ gý_mz Omhra Pmcm. gdmªzmm `m nwañh$mamzo _Zñdr AmZ X Pmcm. `m "^mavaëzm'cm Ho$coco ho H$mì`ê$n d XZ.) MamMamVrc, gágwam Zmo, Jm ao _ Jc JmZ Ÿ& "ñda^mñh$a' ho AmO Omhco "^mavaëz' _hmz Ÿ&& ^m½`dmz Vwåhr, Vwåhm cm^cm Ë`m Mm gwñda H$ÊR>> & g {JVgmJar {nt>çm {nt>çm `m ~ws>vr AmH$ÊR> Ÿ&& ^ycmoh$sà`m J Ydm Mo VwåhrM _mvm-{nvm & Xe Z XoB na~«, hm ZmX~«{Z{_ Vm Ÿ&& VmZgoZ dm H$mZgoZ, Hw$Urhr Agmo _ZwO & H $VmW hmovmo Ë`m Mm EoHw${Z Acm {H$H$ fs²>o Ÿ&& {H$VrH$ `ovr Am{UH$ H$aVr gßvgwam da àrvr & ^r_goz n[a EH${M H$aVr Aì`{^Mmar ^ŠVr Ÿ&& gágwam Zmo, Ë`m ^{ŠVVwZ \w$ccr "g VdmUr ' & YÝ` Omhcm Vwåhr, nmhþzr XodmOrMr H$aUr Ÿ&& gm Jm _Ocm, Ago H$moUVo Ho$co Vwåhr à`ëz & A{daV cm^o Vwåhm Agm "ñda^mñh$a' "^mavaëz' Ÿ&& gágya AZ² ^r_goz, H$moU Hw$UmMo ^yfu? & AÛ VmÀ`m Xe Zmg `m cdyz H$aUo d XZ! && - gm.aí_r VwiOmnyaH$a, nwuo ^«_UÜdZr g dmx _mg AIoarg Hw$Ur dmq> nmho {Zd Îmr dovzmmr _mâ`m _Zr _mì Ago Amg "g dmxm'mr Ÿ&&1Ÿ&& _{hzm g nvmm IM hmovgo nyu AW _mì "g dmxmmo AW nyu kmz' OmUma Zmhr ì`w Ÿ&&2Ÿ&& ~±Ho$_Ü`o {_Ìm er "g dmx' gmyê`m {_imcm Z doi AmVm Amnwë`m "g dmxm'zo _mì hmovmo _Zm Mm _oi Ÿ&&3Ÿ&& Z KS>mo Hw$Umer dmx `m CÎmam`UmV Kmcdỳ m doi "g dmxm'vrc H$mì`, emó {dzmoxmv Ÿ&&4&& - Jmonmi {d._wio, Ah_XZJa F dos>r AZmaH$cr gm JcrMr Amem gm`~a H $\o$v Jocr Ÿ& H $\o$_ü`o {VZo g JUH$mer _ Ìr Ho$cr && B Q>aZoQ>da M qq>j H$ê$ cmjcr & M qq>j H$aVm H$aVm ào_mv ns>cr && cmhmoamm _w_vmo Im{cX ^oq>cm & ào_mcm Zgo XoeH$mcmMr _`m Xm && ào_ Z _mzr Y_ OmVrÀ`m ~ YZm & B Q>aZoQ>daM {ZH$mh Ë`m Mm Pmcm && {ddm{hv Amem JwnMwn gmgar {ZKmcr & gr_oda {Vcm gr_majh$m Zr AS>dcr && pìhgmgmr>r Ho$cr amï >nvtmr _ZYaUr & {ZH$mh _mý` hmovm Pmcr pìhgmmr àmár && AmemZo gr_mo KZ doco & ào_mgmr>r gd ñd Ë`m{Jco && cmhmoacm c cm _OZycm ^oq>o & Oer g[avm gmjamcm {_io && Amem _w_vmoà`m ào_mv ~ws>mcr & Z H$io {VOcm {Z`VrÀ`m H$m` _Zr Ÿ& OUwH$mhr AmH$merMr Hw$èhmS> H$mogicr && n{vamom Mr ñdmar A mcm ß`mar Pmcr & AmemMo d dm{hh$ OrdZ Aënm`wfr R>aco && gmgamo cmoh$ {VMm N>i H$ê$ cmjco & Kam~mhoa {Vcm Ë`m Zr hmh$cyz {Xco & _mhoar navê`mgmr>r {VMo _Z AmH «$Xy cmjco && dos>çm ào_mmr dos>r H$hmUr & {Zðw>a X dmzo g ndyz Q>mH$cr && H$cr AZmaMr qhxwñvmzmv \w$ccr & nm{h$ñvmzmv OmD$Z dos>r {MaSy>Z Jocr && - JOmZZ AamUHo$, nwuo _yi _muyg am_^md$ d a_m H$mHy $Mm AmngmV Iyn dmx{ddmx Pmcm. H$moUrhr _mkma KoB Zm. g VmnyZ a_mh$mhy$ åhumë`m, "_r gd àh$mamr _mugo nm{hcr nu _yi _muyg nm{hcm ZìhVm.' am_^md$ cjom åhumco, "N>mZ, VwPr Vr nu hm g nyu H$ê$Z Ko. Amaí`mg_moa C^r amhyz ñdv:cm nhm.' - nw.{z.xoenm S>o, A_amdVr 18

19 N>m`mJrV AcrH$S>o ncrh$s>o Q >mpýpñq>a Kw_cocm Ÿ& PmonS>rH$S>o nmr >JwZ åhmvmam ~gcocm &Ÿ& {IS>H$s {IS>H$sV ao{s>amo Ho$H$mQ>cocm Ÿ& H$mZR>ù`m MwH$drV åhmvmam X_cocm Ÿ&& nm`ar nm`arda pñq>[aamo {ZZmXcocm Ÿ& A~~? BVH$m IM? åhmvmam H$admXcocm && ãcm H$ ãcm H$ _YyZ Q>r.ìhr.Kwgcocm & JßnmVco H$mì` g nyz Vmo CXmgcocm && H$mZm-H$mZmer _mo~mbc {MH$Q>cocm Ÿ& åhmvmam A{YH$M EH$Q>m Pmcocm && PmonS>r, Mmi, ãcm H$, ~ Jcodmcm & cmd$s>ñnrh$g Zo ^mamdcocm Ÿ&& \o$è`m KmcrV KmcrV {eucocm Ÿ& åhmvmam, nmoah$m, nmoah$m Pmcocm && ûcmoh$, am_ajm, ZmVy {dgacocm & Pmonmim AmR>drV Q>m da_ü`o åhmvmam Hw$M ~cocm && åhmvmam Hw$M ~cocm && - gm.h$ënzm gw^mf H$moR>mao, gm VmH«w$P j VmÝhþcm c{s>dmi {H$Vr hm VmÝhm cm{dco dos> ømzo Amåhm Ÿ&&Y Ÿ&& {ZamJg hm hmgam Jmcr Jwcm~ gmoam ašvduu øm AYam dmq>o Mw ~wzr `mdo nwýhm Ÿ&&1Ÿ&& ^md JmoS> _wimdar OmVm _md$cr Xwadar Pmcr _y{v hr ~mdar OUy `emoxo{du Vmo H$mÝhm Ÿ&&2Ÿ&& M Mc hm IJmnar pñwa Z amho ju^ar H$ï>{dVmo _mvog ^mar nar H$m Z AmQ>o ào_ nmýhm? Ÿ&&3Ÿ&& - gm. ñzohc VèhmiH$a, AH$mocm j ñ_au Ooìhm O_oc Voìhm gm ^miyz Ko _Zmcm nwì-nm {ÌH$m Zm AmYma Xo jumcm gm JyZ "dra' Joco, {H$Vr dma gmogco _r Xw~ù`m _Zmcm, Zm AS>dco H$Yr _r hm VmËå` hmob "Xw~io ' nmhÿzr Amgdm Zm XoD$Z "Yra' Ë`m Zm, AmS>d ^mdzm Zm Ooìhm OS>oc "àrvr' Voìhm Jioc Jd OJ ahmq>r Ago Vr gm JyZ OmVr gd "à^y ' gmdao V`m gr, ^ŠVm gr hmv XoB glõ dëgcm Zm Vmam Zr VmoM ZoB ^ŠVm CR>moZr nmhm Vy, g_b V "gm OdmVr' {Z:eãX _ S>nr Ë`m IJhr JrV JmVr "B Xw' àh$me {H$aUo ÝhmD$ V`m g Kmcr _ZwOm C^m amhm Vy, K{Q>H$m g_rn Amcr - {dzm`h$ Omoer, S>m {~dcr (n.) XyaÜdZr : j Ý`m`M C\$amQ>m Ý`m`M C\$amQ>m OJmMm Ý`m`M C\$amQ>m Ÿ&&Y«w.Ÿ&& Á`m cmoh$m Zr XoemgmR>r àmum Mrhr {Xcr AmhþVr Ë`m Mr Zmhr AmR>dU H$moUm, Alw^md ImoQ>m Ÿ&&1Ÿ&& ñ_ Vrhr Zmhr Ë`m ZoË`m Mr amï >àjvr H$aUmè`m Mr {POy{Z`m amì {XZ Á`m Zr {XYcr Xoemg à{vð>m Ÿ&&2Ÿ&& ñdv Ì H$aÊ`m _mv ^y{_cm H$mamdmghr Á`m Zr ^mo{jcm Zmdhr Zmhr AmoR>r Á`m À`m JUVr Zmhr H$ï>m Ÿ&&3Ÿ&& H$moUmMmhr _ Ë`y KS>cm I S> Z OrdZ-ì`mnmamcm H$moU AS>{dVmo OZarVrcm, n«íz Ago _mor>m! Ÿ&&4Ÿ&& - gw^mf e. gaxoe_wi, gmvmam-2 19

20 S>moio : _ZmMr {IS>H$s _mzdr _Zm Mr C_u S>moio Am Va _ZmMr {IS>H$s S>moio Ÿ& {ZgJ H $V AZwn_ Cnhma S>moio OrdmMm Ord H$s àmu S>moio Ÿ& H$go duy _r ^md{dœ S>moù`m Mo Ago S>moio AZ² Vgo{h S>moio Ÿ& Km`mi H$aVr Owc_r S>moio _XYw X H$aVr Zerco S>moio Ÿ& {eh$mar S>moio AZ² {dimar S>moio ~mocho$, {Züc AZ² H$amar S>moio Ÿ& öx` {MaVr ^oxr S>moio Jw{nV _ZmMo CKS>Vr S>moio Ÿ& gm OÝ`nyU {Zah H$mar S>moio Ÿ H$ñnQ>mg_ coivr Ah H$mar S>moio Ÿ& {ZamJg, nmaxeu AZ² ^mdyh$ S>moio Aghm` AJ{VH$ H$m nmumdvr S>moio? Ÿ& A Jma ~agvr Iw±Ima S>moio cmo^r, cmomq> AZ² cmmma S>moio Ÿ& g_mymzr em V AZ² H $VmW S>moio _J«wa AZ² g e`nr{s>v S>moio Ÿ& ñdßzdos>o Aì`dhmar S>moio nmfmuöx`r A{Vì`dhmar S>moio Ÿ& A VarMm gc OnVmV S>moio dmgzozo H$m_m Yhr ~ZVmV S>moio Ÿ& Zd{j{VOm Mm doy {ZË` KoVr AdIi AZ g OZerc S>moio Ÿ& - gw.a.o Z, Am a Jm~mX XyaÜdZr O AmoT> ^{ŠV _mpo _ZmV, _Z a Jo Ü`mZmV Ÿ& Ü`mZ _mpo cmjco {dry>maur! && gmdù`m énm_mor, VoO H$m XQ>co & _mi d O` Vr Jim, H$a H$Q>r R>odcoco Ÿ&& EH$m {dq>odar C^m, gim _mpm {dry>am` & Am{U AYmªJr g_rn, gmw H$ar ê${š_ur _m` Ÿ&& H $nm Ë`m À`m Ñï>rV, A_ VmÀ`m d ï>rv & qm~ Pmco _Ý_Z, amo_amo_r! && ^r_oà`m Vramdar, OZgmJa Cgio & _ X JmÀ`m Wmnodar, EH$Vmar JmoS> ~moco Ÿ&& nm` ZmMÊ`mV X J, _wir AdrQ> A^ J & XodmOrÀ`m Xmar AmO, \$ŠV ^ŠVrMmM a J Ÿ&& JmoHw$irÀ`m ~ZmV, Jmo{nH$m À`m _ZmV & H $îugim Ioio O gm, d XmdZr! && AmO cmjo _mâ`m Ordm, g»`m {dr>mo~mmr AmoT &> ZoÌ cmjco n cvram, Kmg cmjozm hmo JmoS> Ÿ&& _Z {dq>co g gmam, XohmMr `m H$m` _mv & AmVm Ü`mZr-_Zr-Xohr, \$ŠV EH$ ^Jd V Ÿ&& Zm mâ`m _wimv, X J Pmcmo gwimv & H$m H$ê$ Hw$UmMr, _ZYaUr? && - JmoqdX H$a_aH$a, gm Jcr Mmamoir H$moUrVar Hw$R>oVar Wm ~m`cmm hdo & IoiyZ Pmë`mdaVr S>md `od$ Úmdo {^Sy> Zdo Ÿ&& ***************** JaO Am{U BÀN>m `m Zm ZgVmo H$YrM A V Ÿ& Wm ã`mdavr em V ~gmdo _wir Zgmdr I V Ÿ&& - lrh$m V _Zmoha H$mQ>o, A_amdVr 20

21 ^Q>H $Vr ""{gam Mm'' OmZodmar 1987 À`m eodq>à`m AmR>dS>çmV ZmJnyacm `w{z`zmr H$m Ý\$aÝg hmovr. H$moëhmnya_Yrc Amåhr Xhm-~mam OU Amcmo hmovmo. `owyzm _r, _mcuh$a d nmq>moio VmS>mo~m d {gam Mmcm Omd`mMo R>a{dco. Am_Mo {_Ì lr`wv \$UgiH$a Ë`mdoir {gam Mmcm {S>pìhOZc \$m aoñq> Am \$sga `m nxmda hmovo. `m À`m Img {Z_ ÌUmñVd `m ^mjmv Jocmo. Ë`mdoir AmVmMm JS>{Mamocr {Oëhm ZdrZM {Z_m U Pmcm hmovm. M Ðnya qh$dm JS>{Mamocr {Oëøm_Ü`o ^ë`m^ë`m Mr Pmon CS>m`Mr. gah$mar A{YH$mè`m Zm `m ^mjmv ~Xcr åhuoo H$mù`m nmê`mmr gomm. _hmamï >mmo eodq>mo Q>moH$ A{V XwJ _ ^mj {gam Mm. JmdmÀ`m Zmdmà_mUo Ë`mcm ^oq> {Xë`mZ Va "{ga C Mm' PmcmM nm{hoo. ñdàn> hdm, {ZgJ, CÎm_ O Jc, àm S> _mor>çm ZÚm Zr hm n[aga ì`mnyz Jocm Amho. ho gd nmhv AgVmZm _Z ^mamdyz OmVo. `owrc _wšh$m_mv AmnU `m n[agamer EH$ê$n hmod$z OmVmo. M ÐnyanmgyZ 116 {H$._r. A Vamda Acmn r d Ë`mZ Va 100 {H$._r. {gam Mm åhuoo X S>H$maÊ`-gmJ, EoZ, ~m ~y, {~Om, {has>m, ~ohos>m, AOy Z Aem {d{dy d jdoctzr ì`mncocm A{V ^ì` O Jcr àxoe. ZjcdmXmcm OÝ_ `owom Pmcm. hiyhiy Amncr nmio_wio Imocda `m n[agamv ngadcr. Am{Xdmgr cmoh$m Mr ghmzw^yvr {_idê`mv `eñdr Pmco. Amcmn r {gam Mm `m 100 {H$._r. À`m A Vam_Ü`o dmq>ov _mog_r, aonzn r, A^rn r, ~m_ur hr Jmdo Am{XdmgtMo ApñVËd XmIdrV hmovr. C M C M VmS>rMr PmS>o emo^m dmt>drv hmovr. {VÝhrhr F$VyV ZjcdmXr cmoh$m Mo ApñVËd OmUdV AgVo. `owrc CÝhmim A JmMr cmhr-cmhr H$aVmo. Vmn_mZ 47 g Q>r J«oS> AgVo. ašv JmoR>dyZ Q>mH$Umam {hdmim Va nmdgmmm _mam AdU Zr`. ZÚm Zm _hmnya Amë`mZ Va H$mhr doim ho{ch$m ßQ>a_YyZ agx nwa{dê`mmr doi `ovo. evh$mzwevho$ _mjmgcoë`m AàJV Am{Xdmgr (C{S>`mJm S>) `owo AmhoV. H$m ~S>çm, ~H$è`m Va gmos>mm Za~irMr àwm nu AÚmn `owo ApñVËdmV Amho. dro AÚmn ~è`mm ^mjmv nmohmomcocr Zmhr. Am_Mm ~og H$m n {gam Mm `owo dz{d^mjmà`m A{VWr J hmv hmovm. Ë`m_wio AmXam{VÏ` A{Ve` CÎm_. Z {dgaê`momojo hmovo. OodUm_Ü`o _mor>_mor>o qpjo (Prons) AgV Ë`mÀ`mda Amåhr `owoàn> Vmd _mav Agy. EH$m ~moycm àmuhrvm ZXr Va Xwgè`mg ~moycm JmoXmdar ZXr H$mcoídaZJa_ `owo àmuhrvm d JmoXmdar `m XmoÝhr ZÚm Mm g J_ Amho. `m {R>H$mUr ZXrMo nmì 3 {H$._r. nojmhr ê $X Amho. Aà{V_ ZÚm Mo {dñvru nmì nmhv AgVmZm A V:H$aU AmZ XmZo hocmdyz OmVo. O Jc ^«_UmZo {Xdg ^am^a {ZKyZ OmV hmovo. {gam Mm, dy _, A {H$gm, AgacrÀ`mnwT>o gmo_zn r `owo ZÚm Mm g J_ hmovmo. {gam MmH$Sy>Z `oumar JmoXmdar d ^m _amjs>h$sy>z `oumar B ÐmdVr ZXr `m À`m {dñvru nmìm_ü`o e H$amMo XoD$i Amho. `m {R>H$mUr C^o am{hë`mg Am_Zogm_Zo _hmamï > d _Ü`àXoe `m À`m gr_m AmhoV. Va Xwgè`m ~moycm Am Y«àXoeMr gr_m Amho d Mhþ~mOyZo KZXmQ> O Jc Amho. `m n[agam_ü`o ZjcdmXr cmoh$m Mo dmñvì` Amho. `owo \$ma H$mi Wm ~Uo IynM YmoŠ`mMo Amho. `m ^mjmmr AmR>dU åhuyz ZXrÀ`m nmìmvrc JwiJwirV N>moQ>çm AmH$mamMo XJS>-JmoQ>o KoVco. Amåhm gjù`m Mm nm` `owyz {ZKVm {ZKoZm. Zrad em VVm Agcocm h ^mj öx`mmm R>moH$m MwH${dUmam Amho. H$moUË`m jur ZjcdmXr cmoh$ `ovrc ho gm JVm `ov Zmhr. `owo _m{hvjma cmoh$gwõm `md`mg YOmdV ZmhrV. Am_Mo na_ ^m½`m åhuyz `m ^mjmvrc AZw^d Amåhmcm KoVm Amcm. `mmo lò Am_Mo {_Ì \$UgiH$a `m Zm XoV AmhmoV. {gam À`mnmgyZ Am Y«_Yrc H$mcoœa e H$amMo _ {Xa Amho. _hm{edamìrcm _mor>r `mìm ^avo. `owyz h Xam~mX gmv Vmgm À`m A Vamda Amho. nmdgmù`m_ü`o JmoXmdar ZXr H«$m g H$aUo \$mam AdKS>. ZXrMo nmì g_wðmgmaio é XmdV OmVo. nmê`mcm AmoT> O~aXñV AgVo d àdmhm_ü`o nmê`mmo ^modao {Z_m U hmov AgVmV. O Jc ^mjmvyz dojmzo AZ V PmS>o PwS>no ~m ~ymr ~Zo dmhv `ov AgVmV. `mda AZoH$ OmVtMo gn, ganq>umao àmur nhmd`mg {_ivmv. ho nmhv AgVmZm _Zwî` J{cVJmÌ hmovmo. AË` V à{vhy$c n[apñwvrv H$mhr H$m_m{Z{_Îm n{ch$s>à`m {H$Zmè`mda Omd`mMm àg J Amë`mg ZmdoVyZ OmV AgVmZm ho Ñí` nhmd`mg {_ivo gmcmmr KQ>Zm Amho. nmmdgmù`mmo {Xdg. ZXrcm nya `od$z Jocm hmovm. nu nmê`mcm AmoT> hmovr. XmoZ dzm{yh$mar nq²>q>rmo nmohumao àdmhm~amo~a dmhv Joco Vo H$m`_MoM. XmoKm Mmhr _ Ë`y Pmcm. EH$mMo Zmd XodñWio Va Xwgè`mMo Zmd H$mnao. {gam Mm _Ü`oM XmoZ KQ>Zm nmhmd`mg {_imë`m. EH$m àmw{_h$ {ejh$mmm g e`mdê$z ZjcdmÚm Zr Im ÚmVyZM EH$ hmv {ZH$m_r H$ê$Z Q>mH$cm. Ë`mcm dmq>co hm {ejh$ nmo{cgm Mm I~è`m Amho. Xwgar KQ>Zm dzajh$mmr hë`m. EH$m PwS>nmda ašvmmo ^anya S>mJ ns>co hmovo, ašvhr Vgo {MH$Q> d VmOo {XgV hmovo. Ooìhm hr KQ>Zm nm{hcr Ë`mÀ`m AmR>-Xhm Vmg AmYr `m ajh$mmr hë`m H$aÊ`mV Amcr hmovr. Va Xwgè`m JmdmV nmo{cg nmq>cmmr hë`m H$aÊ`mV Amcr hmovr. gd M H$mhr ^`mzh$. A Jmda ehmao AmUUmao hmovo. VoWrc cmoh$ åhuv hmovo H$s g e`mdê$z H$mhr ì`švtzm O{_Zr_Ü`o Jù`mBVHo$ nwê$z {ea YS>m dojio H$aVmV. Agm hm n[aga `m ^mjmv ZmoH$ar H$aUo åhuoo {H$Vr AdKS> Agoc. - _mévr ~garh$å>r, H$moëhmnya, XyaÜdZr

22 j D$Z-nmD$g lmdu_mgr MmcVmo D$Z nmdgmmm Ioi! B ÐYZwhr KmcrVgo gw Xa gáa Jm Mm _oi {hado S>m Ja {hadr YaUr ngacr amzmo_mi Ë`m {hadmb VyZ gho nmpao {Z_ i ervc Oc Ÿ&Ÿ&1Ÿ&& AdcmoH$Z H$[aVm `m aå` {ZgJ gm X`m Mo ^mgo _O {\$Q>o nmauo `m Z`Zm Mo JJZMw ~r S>m Ja {Xgo {eia _ {XamMo dmq>o YmdV Omdo AZ² Xe Z `mdo Ë`m AJmY B œammo Ÿ&&2&& OmUw{Z _`m Xm `m C MrÀ`m J_o _O hm A{dMma n I Oar AgVo _O KoVcr AgVr C M ^ama n[a eš` Zgo hm Va Amho H$ënZoMm {dñvma Z KS>Vm _ZmgmaIo ^mojmdo cmjvgo Xw:I Anma Ÿ&&3&& H$Yr gwi, H$Yr Xw:I, H$Yr D$Z, H$Yr nmd$g H$am {dmma H$é{Z {dmma `m gmè`m Mm gmymdm {ddoh$`wšv AmMma em V Agmdo _mpo _Z, nocê`m hm gwi Xw:Im Mm ^ma Xodm VyM Iam AmYma AZ² ešvrmm EH$_od XmVma Ÿ&&4Ÿ&& - M ÐH$m V Hw$cH$Uu, {_ao XyaÜdZr : Placement of punctuations AT LONDON METRO ONE GENTLEMAN ENQUIRED ABOUT SOME TRAIN TO ENQUIRY COUNTER. ABOUT ARRIVAL & DEPARTURE OF PARTICULAR TRAIN. HE GOT REPLY AS UNDER - "TWO TO TWO TO TWO TWO" HE COULD NOT FOLLOW WHAT WAS REPLYED BY ENQUIRY MAN. HE SAID ARRIVAL TIME OF TRAIN IS "TWO MIUTIES TO TWO" TILL DEPARTURE OF TRAIN IS "TWO MINUTES PAST TWO" INSTEAD OF PUTTING IN PROPER PUNCTUATIONS AS UNDER - "TWO TO TWO TO TWO TWO". THEN GENTLEMAN FOLLOWED USE OF PUNCTUATIONS (PROPERLY) - Shri V. Kamat, Fatorda, Goa 22