CONTENTS

Page No.

1) Introduction ..1
2) Benefits under normal/voluntary retirement ..2 Integral Coach Factory
3) Qualifying service / Non qualifying service ..2 Chennai - 38
4) Gratuity ..3

5) Pension ..5
6) Commutation of Pension ..8
7) Revision of pension ..10 A Handbook
8) Cash Equivalent to Leave Salary ..10
9) Provident Fund ..11
on
10) CGEGIS (Central Government Employees Group Insurance Scheme) ..11 Retirement Benefits
11) Medical Facilities ..11
12) Post Retirement Complimentary and Special Passes ..12

13) Composite Transfer Grant (CTG) .16

14) Quarters on Retirement .16
15) Holiday Home .16
16) “YOGA” – a way of life .17
17) Health Tips .18
18) Savings and investment after retirement .20
19) Frequently Asked Questions .21
Suggestion Form .27

Issued by Personnel Branch, ICF, Chennai - 38

 Ministry of Railways Ministry of Railways
Integral Coach Factory, Chennai - 38 Integral Coach Factory, Chennai - 38
Dr. S.X. Sampath Rajan Personnel Branch
Abhay Kumar Khanna General Manager’s office Chief Personnel Officer
General Manager

FOREWORD
FOREWORD As a model employer with one of the largest workforce in Chennai,
ICF has always been a pioneer in extending welfare measures to its employees,
Integral Coach Factory, Chennai, is the largest Rail coach retirees and their families. After implementation of the 6th Pay Commission,
manufacturing unit under the Ministry of Railways, Government of India. With there have been significant changes in Retirement Benefits.
about 12,000 employees on rolls, ICF is a trendsetter in implementing welfare
measures for its Staff, Retired employees and their dependants. In order to update the knowledge of prospective retirees and their
families on their entitlements, a booklet titled “A HANDBOOK ON
My long cherished dream for helping retired employees has become RETIREMENT BENEFITS”, has been brought out by Personnel Branch of
true with publication of this booklet titled “A HANDBOOK ON ICF.
RETIREMENT BENEFITS”. I am sure this booklet would be of immense
help to serving and retired railway employees to understand their benefits and I hope this booklet will assist our retirees and their dependants in
plan their retired life in an informed manner. understanding their settlement benefits and help them plan a secured future.
Abhay Kumar Khanna
General Manager Dr. S.X. Sampath Rajan
Chief Personnel Officer
 Benefits under Normal / voluntary retirement
A Handbook on Retirement Benefits
(i) Monthly pension
Introduction: (ii) Retirement gratuity
(iii) Commutation of pension (commuted portion of pension will
This handbook covers all those areas concerning Pension rules such be restored after 15 years)
as Calculation of Gratuity, Pension, Commutation of Pension, Family Pension, (iv) Group Insurance (saving fund value with interest)
Qualifying service, Non-Qualifying service, Nominations, Benefits after (v) Cash Equivalent of unutilised LAP / LHAP
retirement such as Encashment of leave, Group Insurance Scheme, Composite (vi) Balance at credit in employee’s Provident fund account
Transfer Grant, Availing of Post Retirement Passes and Medical benefits, Tips (vii) Composite Transfer Grant
on health & Savings and FAQs etc. (viii) Gold plated silver medal.
(ix) Kit Pass & Settlement Pass
(x) Post Retirement Passes
Pension Rules will be applicable to:
(xi) Medical facilities under RELHS 1997
 Staff those who were in service on or after 16.11.57 and have (xii) Retention of quarters
opted in favour of pension. (xiii) Benefits of staying in holiday homes / officer’s rest house
 All those employees not governed under SRPF (Contributory)
Rules as on 01.01.1986. Benefits to family in cases of death of employee while in service:
 This pension scheme is applicable only to those employees
appointed up to 31.12.2003 and not to those who are governed (i) Death gratuity
under New Pension Scheme, which was introduced w.e.f - (ii) Monthly family pension
01.01.2004. (iii) Balance in employee’s Provident fund account
(iv) Deposit linked insurance.
Retirement: (v) Group Insurance (full insurance value + saving fund value with
interest)
The Railway servant shall retire from service on attaining age of (vi) Cash equivalent of unutilised LAP/LHAP
Superannuation at 60 years. (vii) Widow Passes.
(viii) Medical facilities.
Some Railway employees retire voluntarily before the normal (ix) Retention of quarters.
retirement. Besides these retirements, the Railway servants become medically (x) Appointment on Compassionate Grounds.
invalid (Declared Medically Unfit in all classes) from Railway services and
finally in some unforeseen situations the Rly. Servants exit service due to Qualifying service / Non qualifying service
Resignation, Removal or Death. Hence there are various settlement/death
benefits that are extended to such retirees / medically unfitted employees /  The service rendered while on duty is qualifying service
dependants of the demised Railway servants.  All kinds of leave with pay, training period, joining time.
 Military service rendered before employment in Railways subject to
conditions stipulated.
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  50% of service from temporary status to the date of regular absorption  Dearness Allowance is also included.
will be taken as qualifying service for casual labour & ELR services.
 This is paid at the rate of half of his emoluments for every completed
 Non-qualifying service are, Periods of Unauthorised absence, Extra-
6 monthly period of qualifying service.
ordinary leave taken other than medical grounds, Dies-non, non-
regularisation of suspension period, non-payment of foreign service
Example: (If service is less than 10 years)
contribution.
 No weightage (5 years) is allowed for adding qualifying service in
If Last Pay drawn is Rs.12,450 (Rs. 10,050 + GP Rs.2400) and DA is 58%,
the case of Voluntary retirement.
Qualifying service is 8.5 years at the time of retirement, then the service gratuity
would be:
GRATUITY:
10,050+2,400+58% DA X 8.5 (No. of yrs. of Q.S) = Rs.167,204/-
Retirement Gratuity: This is a lumpsum payment granted to a Railway
servant on his/her retirement or medical invalidation. Retirement Gratuity is
Death Gratuity :
payable to:
 Those Railway servants who had completed 5 years of qualifying
If a Railway servant expires while in service the amount of Death
service the retirement gratuity is payable at a rate of 1/4th of
gratuity shall be paid to the family as under:
emoluments for each completed 6 monthly period of service subject
to maximum of 16½ times.
 Maximum amount payable is Rs.10,00,000/- w.e.f. 01.01.2006. Less than 1 year 2 times of emoluments
 Maximum qualifying service for computation of gratuity is 33 years
1 year or more but less than 5 years 6 times of emoluments
Formula for calculation:
5 years or more but less than 20 years 12 times of the emoluments
Last Pay drawn + DA x Qualifying Service / 2 20 years more ½ of the emoluments for every
completed 6 monthly period of
Example 1: qualifying service subject to
maximum of 33 times of
If Last Pay drawn is Rs.12,450 (Rs. 10,050 + GP Rs.2400) and DA is 58% emoluments.
Qualifying service is 33 years at the time of retirement, then the retirement
gratuity would be: Example:
Gratuity = 10050+2400+58% DA x (16 ½ times) = Rs. 3,24,572/-
If Last Pay drawn is Rs.12,450 (Rs. 10,050 + GP Rs.2400) and DA is 58%
Service gratuity: and the Qualifying service is 23.5 years at the time of retirement, then the
 Service Gratuity is granted to those railway employees who exit from amount of Death gratuity would be Rs. 4,62,269/- (i.e 10050+2400)+58%
service before completion of 10 yrs of service. It is payable in addition DA x 23.5 (No. of Q.S)
to the Retirement Gratuity if eligible.

3 4
Nominations: This type of family pension is admissible to widow/widower not
remarried, second wife, unmarried/unemployed children born of them who
The Railway servant while in service shall declare his family and make are below 25 years of age, parents, mentally retarded/physically handicapped
nominations in the appropriate Forms, as provided in the Railway Services child of any age and widow/divorcee/unmarried daughter of any age after the
Pension Rules 1993 for Pension, DCRG, CGEGIS and PF as per IREC. death of the employee in service or after the death of the Railway pensioner.

Pension: The wife, second wife and unmarried/unemployed children below 25

years of age are entitled to enhanced family pension i.e (50% of last pay) up
Pension is payable to a Railway employee on attaining the age (60 to seven / ten years from the date of retirement /death. The family pensioners
years) of Superannuation, absorption in Public Sector Undertaking (PSU), falling in second category (parents, Unmarried/divorced, widowed daughter
after being declared medically unfit, after compulsory retirement or voluntary above 25 years of age, mentally retarded/physically handicapped children
retirement or if he is discharged owing to abolishment of post or dismissed above 25 years of age) are entitled for ordinary family pension (30% of the
shall be entitled to Railway Pension, Gratuity and an option of Commutation last pay) only subject to the condition that their individual income from all
of Pension, the general rules regulating Pensions have been mentioned in sources is less than the minimum pension admissible. In case of 2 wives /
chapter 2 of the Pension manual. child born from out of the second wife, then 50% of Family Pension (even if
being the minimum) is paid to each living party. (100% if one party is alive) in
How Pension is determined? case of children below 18 years of age the family pension is paid through a
guardian.
Pension now admissible to the employees as per the 6th CPC
recommendations shall be, 50% of the emoluments or average emoluments The family pensioners of the deceased employees having less than 7
whichever is more beneficial subject to the condition that the employee had years of qualifying service are entitled for ordinary family pension only and
completed at least 10 years of Qualifying service (in case of superannuation, not Enhanced Family Pension.
Compulsory retirement, employees absorbed in PSU) and 20 years in case
of employees who retired voluntarily. The family pensioner falling in second category is eligible only after
expiry of validity of admissibility of family pension of the pensioners falling in
Qualifying service is not a criteria for computing Family the first category.
Pension.

At present the minimum pension / family pension payable shall not be Enhanced Family Pension (under RSPR 75(4) (i) (a):
less than Rs.3,500/- per month as per the recommendation of the 6th CPC. (Authority: Brd. Letter No. F (E) III/2008/PNI/13,dated: 15.09.2008)

Ordinary Family Pension:- The enhanced family pension under Rule 75(4)(i)(a) shall be payable
Family pension shall be payable at a uniform rate of 30% of basic pay to the family of Railway servant, who dies while in service, from the date of
in all cases and shall be subject to a minimum of Rs.3500/-p.m + Relief death of the Railway servant for a period of 10 years. In such cases, 50% of
the pay last drawn by the deceased employee will be payable for first 10
years from the date of demise.

5 6
 In case of Superannuation / Voluntary Retirement / Medical Unfit / Calculation of Pension:
Compulsory Retirement, 50% of the pay last drawn by the employee will be
payable for a period of 7 years following the date of death of the retired Minimum Pension / Family Pension Rs.3,500/- + Dearness relief
employee or till he would have reached the age of 67 years whichever is
earlier. Maximum Pension Rs. 40,000/- + Dearness relief

Life Time Family Pension (Rule-75 (6) (iii) of RSPR 1993) Maximum family pension Rs.24,000/- + Dearness relief

Formula for Calculation:

Lifetime Family Pension is payable to an Invalid son/daughter after
the death of the railway servant and spouse. It should be certified by a
Last Pay Drawn /2 (or) Average emoluments of last 10 months pay /
Sr.DMO/RH/ICF that the invalid son/daughters are unable to earn their
2, whichever is beneficial to the employee.
livelihood. Lifetime Family pension is paid to invalid son/daughter even after
attaining the age of 25 years.
Commutation of Pension:
The pension is stopped from the date when he/she gets married or
starts earning for his/her livelihood. Recipient of the Life Time Family Pension Railway servant retiring on superannuation / VR or on compensation
should obtain medical certificate once in 3 years from Rly. Medical Authority. pension can opt for commutation of pension not exceeding 40% of the pension
sanctioned
The quantum of Pension/Family Pension available to the old family
pensioners shall be increased as given below: No commutation is paid to the employees against whom D&AR /
criminal case is pending.

Age of Pensioner/Family Pensioner Additional quantum of Pension/ Commutation will be paid to Medically unfit / Compulsorily retired
Family pension employees only after medical examination by Railway doctor.
From 80 yrs. to less than 85 yrs. 20% of basic Pension/ Family pension
From 85 yrs. to less than 90 yrs. 30% of basic Pension/ Family pension Formula : 40% of the pension (x) 12 (x) Age factor (age on next birthday)
From 90 yrs. to less than 95 yrs. 40% of basic Pension/ Family pension
Example: If original Pension is Rs. 7295/- for a Railway servant retiring on
From 95 yrs. to less than 100 yrs. 50% of basic Pension/ Family pension superannuation the commutation value would be as under:
100 years or more 100% of basic Pension/ Family pension
Commutable portion of pension is = 7295 X 40% = Rs. 2918
Note: From 80 years means after the completion of 80 years and not from
the beginning of 80 yrs. of age. Commutation = 2918 X 12 X 8.194 (age factor for next birthday) =
Rs.2,86,922/

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 Revision of pension:
Illustration-I (More than 10 Years) For Superannuation / VR/MU/CR
Date Of Appointment 18.01.1984 Consequent to change in circumstances such as implementation of
Date Of Birth 06.10.1950 recommendations of different type of orders with respect to fixation of pay,
granting of increment, removal of anomaly and Pay Commission the pension
Date Of Exit 31.10.2010
undergoes revision. The difference of pension, gratuity and commutation value
Qualifying Service (DOR-DOA) 27 Yrs of additional amount will be paid
a) LAST PAY DRAWN Rs.14,590/- (5200-20200+2800)
Cash Equivalent to Leave Salary
b) Full Pension Rs.7,295/- (Rs.14,590/- (Last Pay Drawn) ÷2
c) Commuted Pension (40% of b) Rs.2,918/- The employee at the time of settlement is entitled for leave encashment
d) Reduced Pension (b-c) Rs.4,377/- + Relief as on Full Pension of leave at his credit for a maximum of 300 days (Unutilised LAP).
As per the 6th Pay Commission the shortfall in 300 days LAP can be
filled by adding LHAP.
If an employee for an example, has only 285 days of LAP balance at
Illustration – II (For Demise Case)
credit at the time of Retirement and enough number of balance days of LHAP
Date Of Appointment 21.02.1987 at credit, then for the purpose of computing Leave Encashment, only 15 days
Date of Death 29.06.2010 of LHAP will be taken into account, even though he would have had more
than 15 days of LHAP. (i.e) The retiree will be paid for 285 days of Leave on
Qualifying Service DOD-DOA 23½ Yrs
Average Pay plus (+) 15 days of Leave on Half Average Pay.
LAST PAY DRAWN Rs.12,500/- (5200-20200+2800)
Family Pension @ 30% of Last Pay drawn + relief Illustration: If last pay drawn is Rs. 12450/- then the leave encashment
a) Enhanced Family Pension Rs.6250+Relief (Rs.12500 (LastPay Drawn)
would be
/ 2 (From 30.06.2010 to 29.06.2020) Last pay drawn + 58% DA(applicable as on date) x 300 days / 30 days

b) Ordinary Family Pension (3750+Relief (from 30.06.2020 on wards) =12450+7221 x 300/30 = Rs. 1,96,710/-

Restoration of Pension In case the employee has 285 days LAP and 50 days of LHAP at his
credit then the leave encashment would be as follows: 12450+7221x285/30
Commuted portion of pension will be restored after the completion = Rs. 1,86,874/-
of 15 years from the date of commutation. The date for restoration of
Commuted portion of Pension will be exhibited in the Pension payment Order Though the employee has 50 of days LHAP at his credit he is entitled
and the Pensioner can approach the Bank Authorities for restoration after 15 only 15 days for encashment.
yrs. The Pensioner can approach the Personnel/ Accounts Branch for
assistance if any in case of difficulty. Last pay drawn + 58% DA /2 x 15 days / 30 days

12450+7221/2X15/30 = Rs. 4917/-

9 10
Provident Fund: The condition of completion of 20 years of qualifying service in Railways for
The amount of PF subscription and VCPF deducted from monthly such case is not required.
salary and the interest thereon will be paid to the railway servant at the time of
The retiring employee/ Spouse of the railway servant is required to
retirement or in the event of death to the nominees as the case may be.
make a one time contribution equal to the last month’s basic pay (pay in the
The Railway servant may draw 90% of the PF amount at his credit
Pay band + grade pay) at the time of retirement/demise/medical unfit. If opted,
12 months before retirement without assigning any reason for preparatory to
the contribution will be deducted from his gratuity amount due. A medical
his retirement.
identity card will be issued with photographs of all the beneficiaries. On receipt
The recovery of PF in respect of Railway servant will not be made in
of the Identity card they shall make an entry in the Medical ID Card with the
last three months of his retirement.
respective Hospital/Health units.
CGEGIS (Central Government Employees Group Insurance Scheme)
This scheme came into effect from 1-1-1982. The rates of subscription per Fixed Medical Allowance (FMA)
month shall be as follows: Retired employees with 20 years of qualifying service are eligible for
grant of FMA at the rate of Rs. 300/- per month and the same is paid along
Group Monthly recovery Insurance cover
with pension / family pension subject to the following conditions.
Group C & D Rs. 30 Rs. 30,000/- (i) The pensioner/family pensioner is residing beyond 2.5 kms from the
nearest health unit.
Group B Rs. 60 Rs. 60,000/-
(ii) The pensioner/family pensioner is not availing the facility of OPD (except
Group A Rs. 120 Rs.1,20,000/- in cases of chronic diseases)
Joining RELH Scheme is not a pre condition to claim FMA mere
In case of death of employee the amount of insurance covered and
eligibility to enrol under the scheme is sufficient. The widow who has been
contribution with interest will be paid to the family / nominee.
appointed on Compassionate grounds is not eligible to draw FMA.
In the case of retirement, only savings portion of the subscription plus
interest will be paid to the Railway servant.
Post Retirement Complimentary and Special Passes
Medical Facilities Post retirement passes are issued to the retired employees and to
their eligible dependants in the event of death or exit from service.
For Retirement/VR:
A minimum period of 20 years qualifying service is required for Railway Entitlement for post retirement complimentary passes
servant to join the RELHS 1997 (Retired Employees Liberalised Health Service rendered No. of Passes
Scheme’97) and such Railway servant shall exercise option three months in in Rlys.
advance prior to his retirement to join the Scheme.
Group “A” & “B” Group “C” Group “D”
For Demise/Medical unfit 20 yrs and above 2 sets 1 set 1 set
This scheme is open to the spouses of the Railway employees who but less than 25 yrs
die in harness and for those employees who retire on Medical Unfitness. 25 yrs and above 3 sets 2 sets 1 set

11 12
 Training period before absorption into regular posts is reckoned for Availing of Pass after Retirement / Demise of the Railway servant
counting of Rly service for determining eligibility for post retirement passes. Retired employees /spouse of the deceased employee may avail their
Continuous service rendered after attaining temporary status is counted Pass either in the place of retirement or at the place of stay. The Pass can be
for service for determining eligibility for post retirement passes. availed by the employee / spouse either in person or sending the request by
The following services are also reckoned for determining the eligibility registered post.
for post retirement passes:
Provision of Companion in lieu of Attendant in Post Retirement
1. Training period before absorption to regular post. Complimentary Pass.
2. Services rendered by canteen employees in statutory and non-statutory Retired Railway employee/widow of 70 years of age and above, who
canteens. are entitled for I class / I A post retirement complimentary / widow passes,
3. 50% of the services rendered in other PSUs/military to make up any may be allowed to take a companion in the same class by paying 1/3rd of
shortfall in services to fulfil the qualifying service of 20 years. difference of fare between sleeper class / second class and the higher class in
which the retired railway employees / widow travels in all trains including
Retired employees/widows are not entitled for PTO. Rajdhani / Shatabdi trains, subject to the existing restriction regarding number
of berths in Rajdhani/Shatabdi trains.
Settlement Pass / Kit Pass However, Retired Railway employee/widow of 65 years of age and
Employee in the event of retirement and widow/widower in the event above but below 70 years who are entitled for I class / I A post retirement
of death of employee are issued passes for self/family members/dependents complimentary passes may be allowed to take a companion in the same class
for transportation of personal effects to the place where employee / family by paying full difference between the Sleeper class/II Class and the class in
intend to settle after retirement/death of employee. Such an application for which the Pass holders travel, besides the existing travel facility along with the
settlement pass shall be submitted within one year of retirement / death and companion in Sleeper class/II class.
the pass is valid for a period of three months.
However, GM can condone delay up to two years from the date of No age limit for Companion.
retirement /death. Kit pass is admissible for free transportation of house hold
effects up to specified limits in terms of Bd’s Letter No E (W) 96 PS5-9/1 The above provision is not available when the family members of the
dated 1/6/2000. Revised entitlement of kit pass on implementation of VI retired employee of age below 65yrs travel with the retired railway employees/
CPC recommendations have been issued in terms of Bd’s letter No. E (W) spouses
2004 PS 5-9/1 dt 17.06.09.
Eligibility members for Post Retirement Complimentary Passes
Widow Complimentary Pass The retired employee can include his own family members for issue
of complimentary pass. Widow mother /widow and legally divorced daughter
Widow / widower of the retired employees who have opted for the
can also be included.
widow pass scheme are eligible for half the number of post retirement pass
Dismissed and removed employees on or after 26.10.2005 whose
that her / wife would have been eligible for the service rendered / or was
Gratuity / Pension withheld / cut consequent on D&AR actions are not eligible
receiving at the time of his / her demise of the retirement.
for Post retirement Pass but eligible when they are granted compassionate
In case of demise of the railway servant even the service rendered is
allowance.
less than 20 years, widow / widower is entitled for grant of one set of pass
every alternative year.
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Option for Widows Appointed on Compassionate Grounds for Drawal Validity of ID card for Post Retirement / Widow pass holders is 7
of Widow Passes
years.
Widows appointed on compassionate grounds as Railway employees
have one of the two options for drawal of passes on their appointment and Composite Transfer Grant (CTG)
retirement.
CTG at the rate of one-month basic pay is granted to the retired
· They can either draw passes in their capacity as Railway employee railway servant to transport his personal effects to his place of settlement
(or) when the place of residence changes beyond the radius of 20 kilometers and
· They can avail Widow Pass in her capacity as widow of deceased 1/3rd of one month basic pay in the same station within the radius of 20
employee. kilometers.
Merely the proof for change of residence is sufficient to claim CTG
Option once exercised shall be final and the same shall be claimed within one year from the date of retirement and
beyond one year, GM has power to condone the delayed claim.
Advance Passes
If the current year’s passes are exhausted by the retired railway Quarters on Retirement
servant, he can avail of passes from the next year’s pass account as advance The retired Railway Servant is entitled to retain the quarters for a
pass. Such advance pass can be applied 100 days in advance. period of 4 months on normal rent and for another period of 4 months on
educational/medical grounds on twice the normal rent. In the case of a
Special Pass on Medical Grounds Deceased employees’ family members, they can retain the quarters for a period
Retired employee/spouse suffering from heart ailment / cancer who of 24 months. DCRG will be released on vacation.
joined in RELHS 1997, are eligible for issue of special passes on medical
grounds from the place of residence to the hospital referred and back with the Holiday Homes
recommendation of the competent hospital authorities. There are several Railway Holiday Homes available throughout the
Indian Railways. The retired railway employees can avail the benefit of
Other conditions and entitlement:
accommodation of Holiday Homes on par with the serving railway employees.
In cases where both husband and wife are retired railway servants In this regard the Holiday Homes in respect of Ooty and Kodaikanal will be
they may avail the complimentary passes on each account. allotted at ICF.
When a totally blind retired railway servant (blind in both eyes) if
travels alone can take one attendant in the same class eligible to him on
production of certificate from the medical officer concerned, duly including
attendant’s name in the Post retirement pass.
A child adopted after retirement may be included in the post retirement
Complimentary Passes with necessary proof for adoption.
A photo identity card to the retirees and spouses is issued to avail
post retirement passes and they should carry the ID card while on travel.

15 16
 Other Useful Information TIPS FOR HEALTHY RETIRED LIFE

“YOGA” – a way of life  Lead a healthy lifestyle.

 Maintain healthy weight & BMI.
Introduction:  BMI = (Weight in Kilograms / (Height in Meters x Height in Meters)
The origin of Yoga as a discipline had originated several thousand Under weight BMI : Less than 18.5
years ago. No doubt the founder fathers would have been the sages of that Normal BMI : 18.5 – 22.9
period. But, as on date it can be said that yoga is not confined to only those Overweight for BMI : 23.0 – 24.9
saints or hermits who used to live in seclusion in forests and mountains. Yoga Obese for BMI : 25.0 and above
has been reoriented to suit the modern day life style. In fact the present day  Take balanced diet.
life style with its inherent occupational hazards had thrusted the mankind to  Eat variety of Nutrient rich food
turn towards something that will bale him out of such a crisis and this knowledge
 Eat plenty of whole grains, fruits & vegetables
and practices of YOGA seems to be the answer. Even the modern medical
sciences have in fact agreed to the fact that yogic practices would be the  Eat regular meals
solution to prevention and cure of many ailments.  Do regular exercises - physical & mental.
The literal meaning of the Sanskrit word Yoga is YOKE. It also means,
 Do regular exercises, depending on health condition.
uniting the individual spirit with the universal spirit of God. Yogic practices are
believed to have a potential for improvement of physical health by encouraging [Eg. Brisk walking, etc.]
better sense organs and thereby inducing tranquility and serenity of mind.  Meditation.
Asanas  Have a hobby & pursue it.
These are special patterns of postures that stabilize the mind and the  Have periodical health checks & follow medical advice.
body through static stretching. Their aim is to establish proper system in the
 Take care of your health, since quality of life is more important
neuromuscular tonic impulses and improve the general muscle tone. Two basic
than the total length of life.
principles governing the performance of asanas are stability and comfort. This
suggest that the nature of asanas is psychoneurophysical and not only physical.  Having a positive mental attitude.
Every asana should be performed effortlessly and maintained for a comfortable  Be Cheerful.
time. There should be no jerks and the performance of asana should not lead  Thing & be positive.
to undue fatigue.
The retirees are urged to join a centre where Yoga is being taught  Take active part in family & social life.
using correct methods.  Continue to share responsibilities
 Enjoy all privileges.
 Remain active member of the community.
 Have good relationship with your friends & family members.
 BE FINANCIALLY STABLE.

“SENIOR CITIZENS AS OTHERS, MUST BE HEALTHY & ALSO

FEEL HEALTHY”
17 18
 TIPS FOR HEALTH WALKS SAVINGS AND INVESTMENT AFTER RETIREMENT
 Begin walking slowly. It is advisable that the retired employees shall invest their hard earned
 Warm-up & cool-down regularly as a part of your walking routine. money in savings schemes and investment plans offered by Nationalised Banks,
 Warm-up Post Offices and Government sponsored investments for safety and security.
 Five minutes The following are the schemes available to Senior citizens for safe investment.
 Reach exercises
 Neck roller (i) Senior citizen savings scheme available in all Nationalised banks -rate
 Toe touching exercises of interest – 9%, tenure of the deposit 5 years, maximum investment
limit 15,00,000/-.
 Cool-down phase
 Five minutes
(ii) SBI – Resident Indian Senior Citizen Deposit- interest rate variable on
 Reduce pace of activity number of days and the minimum rate of interest is 7% and maximum
 Repeat warm-up exercises up to 9.75%. Senior citizens will get 0.5% higher rate of interest.
 Wear comfortable & loose fitting clothes.
 Dress according to weather. (iii) Fixed deposit (in nationalised banks) higher interest rate for senior
 Walk after a light meal, especially if you are a diabetic. citizens. - The rate of interest varies from Bank to Bank and depends
 Walk in a quiet place & avoid traffic. on the period of deposit.
 If walking during nights, near traffic, walk wearing brightly coloured
(iv) Savings Bank account scheme – higher interest rate for senior citizens.
dress and walk facing the traffic.
This is a popular scheme in all nationalised banks.
 If you develop muscle cramps or any pain while walking, consult
your doctor. (v) Post Office schemes for senior citizens- A new avenue of investment
 During heavy rains, walk indoor. return for senior citizens. The retired employees can contact any nearby
 During cooler months, walk into the wind at the beginning & away post office.
while you return.
 During summer use a hat & drink extra water to prevent The interest rate and period of deposit may change from time to time
dehydration. for the above schemes and investment plans so that the retired employees
 Move in a full, natural stride, keeping knees straight. may confirm with the concerned financial institutions / postal authorities before
they invest their money.
 Practice walking with your body erect. Erect posture wards off
fatigue.
The investment plans and schemes are only indicative and hence the
 Don’t go overboard, walking is a gentle exercise.
retired employees are advised to update and get more information by
IDEAL WALKING STANCE: contacting the appropriate authorities of the Banks/Post Offices.
 Head & Chest erect, Legs swing forward from hip joints, Knees &
ankles are limber (i.e. not stiff), Feet push off ground &, Toes point Have a Happy and a Healthy Retired Life.
straight.
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21. Frequently asked questions: 05. Can the retiree transfer his Pension from one Branch to another Branch
01. Can a Retiring employee receive his Pension through any Bank? of the same Bank? What are the steps to be taken?

Retired employees can receive pension only through authorised Yes. A pensioner can transfer his Pension account from one
Nationalized banks and not through private / commercial / other Branch to another Branch of the same Bank. A letter of Intimation to
scheduled banks. The list of Pensionable nationalized Bank branches the Payee Branch to be given by the retiree and the concerned bank will
outside Tamil Nadu, which is available with AO/Pension/Accts. and process the transfer.
Welfare Inspectors, can be verified.
06. Can a Pensioner transfer his Pension from one Branch to another Branch
02. What are the lists of documents that the retiring employee would of a different bank?
receive on the “Settlement Cheque Distribution day”?
Yes. The pensioner can transfer his Pension from one Branch to another
Pension Payment Authority Letter, Calculation Sheet, Service Branch of a different Bank. The Pensioner along with the letter of request
Certificate, Medical Identity card, Pensioner’s Identity Card, Post will surrender the Pensioner’s copy of the PPO from where the pensioner
retirement Pass Identity Card, Silver Medal (Gold-Plated), and Cheques was drawing his pension. The concerned Bank Authorities will transfer
bearing amount on account of Gratuity, Commutation, Leave the PPOs (both Pensioner’s copy as well as the Banker’s copy to the
encashment, Group Insurance and Provident Fund. Link Branch). The Link Branch in turn, will ensure that both the PPOs
are delivered to FA&CAO/ICF. On receipt of the same, Pension
03. When will the Retired employee receive the first Pension soon after his Department of ICF will endorse the change of Bank in both the copies
Retirement? of the PPO and will send them to the Bank as opted by the Pensioner,
through the concerned LINK Branch. It may take a minimum period of
The Pensioner will receive the first Pension within a period of 1 60 days for the transfer to take effect.
month or so along with the Pension Payment Order and the monthly
Pensions will be credited to his account thereafter. 07. What are the steps involved for obtaining a duplicate PPO if the PPO is
lost?
04. Where will the Pensioner get the PPO (Pension Payment Order)?
The pensioner will intimate the loss of PPO to the nearest Police
As stated above, the PPO will be issued by the Payee Bank Branch Station. He shall obtain a Missing certificate from the Police authorities.
as opted for. Two Copies of the Pension Payment Orders are despatched He will inform ICF about the loss of PPO duly enclosing the missing
from ICF to the Link Branch in the first week of the month, following certificate. Based on this, ICF will advise the Payee Branch to send the
retirement. The link branch on receipt of the copies of PPO will transfer Banker’s portion of the PPO to ICF. Meanwhile, Pensioner will submit
the same to the Payee Branch (Bank opted by the Retired employee for a fresh Pension Claim forms duly filling in all details asked for, to enable
drawal of pension) by the second or third week. The payee branch after ICF Administration to issue duplicate PPO.
posting necessary entries will intimate the Pensioner by fourth week or
fifth week.

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08. Is it possible to transfer the retiree’s Pass A/c. from ICF to a place of his 12. What are the entitlements regarding Post Retirement Passes/PTOs of
request? the retiree on the year of his retirement and in the years following his retirement?

Yes. The retired employee may, if he so desires, transfer his Pass On the year of retirement, irrespective of the month the employee
Account from ICF to a Pass Issuing Authority of his nearest station. The retires, he will be eligible for the normal full entitlement of three sets of
same could be done by a letter of request addressed to APO/ICF. A letter passes. The employee therefore has to plan the drawal of passes in such
duly intimating the Balance of Post Retirement Passes with Family a manner, that it shall not exceed the 3 sets of passes due in his year of
Composition will be forwarded from ICF to the Authority concerned. retirement . (For Example- if two sets are availed before Retirement,
then the balance 1 set only could be drawn after retirement. From the
09. Is it possible to transfer a retiree’s Medical A/c. from ICF to a place of year following the year of retirement he will be eligible as per his eligibility.
his request? As regards PTOs, the retiree cannot avail PTOs after his retirement
though he would have had unavailed PTOs at his credit.
Yes. The retired employee may, if he so desires, transfer his Medical
Account from ICF to a Hospital /Health Unit of his choice which is closer 13. Is there any system of Grievance Redressal for Pensioners of ICF?
to his place of residence. This can be done by a letter of request addressed
to APO/ICF. Necessary endorsement of transfer will be made on the A Pension Adalat is conducted by ICF every year on the 15th of
Medical Identity Card by the ICF Hospital Authorities and a letter duly December for redressing the grievances of retired employees. The
intimating the transfer will be forwarded to the authority concerned. employees may submit their representations addressed to APO/Welfare,
well in advance soon after an advertisement is published in the local
10. Can a retiree avail Composite Transfer Grant after a period of One year Dailies. They may attend the Pension Adalats in person and get their
after his Retirement? grievances redressed. Even otherwise their representations will be
examined and suitable action will be taken duly sending a reply to the
Normally CTG will be granted if the request is within a period Pensioner.
of one year. If the request is beyond a period of one year the same will
require the approval of the General Manager. The retired employees are 14. Whether a retiree intending to settle in his native place, can request for
urged to submit their claims if any within one year. settlement cheques to be issued in favour of a bank at the place of his settlement?

11. What are the documents required for availing the Composite Transfer Normally retired employees of ICF are issued settlement cheques
grant on retirement? through RBI Chennai, which can be encashed by depositing them in the
local bank branches of Chennai. However if the retiring employee desires
If the Retired Railway Employee has performed the journey/ to encash the settlement cheques, through banks, in the place where he
transported his personal effects he becomes eligible to receive CTG.. No wants to settle after retirement (away from Chennai), he may submit a
proof for shifting or bill is required but a proof for change of residence specific request for the same.
would suffice (No.FEI/I/2010/AL-28/46 dt.26.05.2011)

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15. What should a retired employee do to release his withheld Gratuity 18. Whether the services rendered in Defence will count for (a) Post
on vacation of his quarters, which was retained in terms of extant rules? Retirement Pass (b) Medical benefits?

A retired employee who wishes to continue his stay in quarters (a) Yes, the service rendered in Defence will count to the extent of 20
will be allowed extension of quarters for a period of 4 months from the years of qualifying service.
date of retirement. He will be permitted for an extension of another four (b) No, the service rendered in Defence will not count for Post Retirement
months on medical / academic grounds by submitting a specific request medical benefits.
with supporting documents. However, within the permitted period of 19. What should a Retired employee/Family member do in the event of
extension the retired employee has to vacate the quarters and intimate Loss of Medical Id Card / Pensioner Identity Card.?
the same to the Administration along with his new address of settlement.
During the period of extension the retired employees Retirement Gratuity Being a valuable document, the Retired employees are requested
will be withheld and only on vacation of quarters and submission of to keep the Medical Identity Card/Pensioners Identity Card in safe
letter intimating the same; the retirement gratuity, which will withheld/ custody. However, in the event of loss of any of these Identity Cards, the
released to the employee. retired employee or any of the family members has to present the request
of issue of duplicate Identity Card to the Personnel Branch with the
16. Where will the retired employee receive his last month salary? copy of FIR lodged with police about the loss of card and Cash receipt
for payment of Rs.25/- towards penalty.
The retired employee will receive his last month’s salary as usual
through the bank in which he was drawing his monthly salary. However 20. Whether a) Passes of last year ac can be availed in the current year (b)
in the case of Artisan Staff, the 8 days wages not included in the previous Passes of Next year can be availed in the current year?
wage period and the unclaimed incentive amount will be sent by cheques
to his address after retirement. In the case of Supervisors, the unclaimed a) Unavailed Passes of the previous year can be availed during the
incentive amount will be sent by cheques to his address after retirement. current year. However they have to be availed before 30th April and
their validity is upto 30th April only.
17. What are the documents required to be surrendered by the retiring
employee to ICF? b) During the last quarter (i.e. October-December) the Retired
The retiring employee on or before the date of retirement shall Employees can avail passes from the next year account also for advanced
surrender the following documents to the authorities mentioned below: reservation purpose. These advance passes are valid only from 1st of
January of the next year.
Medical card, Employee Identity Card, RC Pass and SIM card (if
any) – to the SSE/Controlling officer of the Shop/pay unit concerned or 
to handover to the official as directed by him. Disclaimer :
This handbook is prepared in a simple language and contains relevant
information regarding the settlement benefits. Please note that this handbook
is not a replacement of the existing Railway Rules and should not be quoted
as a reference. In case of any variation or doubts, it is essential that the
relevant codes, Manuals are refferred to.
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 Suggestion Form

Dear Senior Citizen

You are hereby solicited to share some Valuable Suggestions (if any)
based on your Work Experiences while in service; which in your opinion, will
benefit the ICF Organisation on the long run.

1. Name

2. Emp. No, & Shop

3. Designation

4. Date of Retirement

5. Nature of Exit Superannuation / Voluntary Retirement/ Others

6. Residential Address

7. Contact No: Landline: Cell No:

8. Suggestions:

Signature:

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