80TH INDEPENDANCEM DAY

   

 We the Trustees of the EXWEL TRUST, TIRUNELVELI- DIST, TAMIL NADU,

"WISH YOU ALL  A VERY HAPPY  80TH INDEPENDANCE DAY (15-08-2026 ) "

ARTICLE REMINDED- DEFENCE SALARY PACKAGE ACCOUNT

 

Dear Veteran brothers,

We understand that, still many of our veteran brothers are not aware of the DSP – DEFENCE SALARY PACKAGE ACCOUNT.  When you are in service, you might have opened Bank account , mostly in State Bank Of India.That account is called DSP

.It is OK. But after discharge/Retirement from service, The DSP – Salary account is to be converted  as Defence pension Account.  Please check the first page of Pass Book, where the Type of account may be  Savings Normal  or DSP.  This is to be changed as  Def Pen Gold ,Platinum ect according to our Ranks.   If it is not there,  you have to give an application for converting in to Defence Pension account. This is to avail many benefits like Accident Death  If this account holder happens to meet an accident and died, his NOK will be given an amount of 50 lacs  from Insurance company. This is the Major benefit.  Many more benefits as  under.

1.Zero balance account with no charges for maintaining minimum balance.

2. Free Un-limited ATM transactions across  all banks ATMs in India

3.Free multi-city cheques, demand drafts and SMS alert.   No commission.

4.Free online fund transfers via NEFT and RTGs.

5.Free demat and online trading account services.

INSURANCE COVER.

6. complementary Personal Accidental Insurance (death ) cover of 50 lacs  will be payable to NOK.

7.Air Accident insurance cover (death ) on eligible ticket upto ONE CRORE.

8. Additional coverage  for permanent total or partial Disability in specific variants.

LOANS AND CONCESSIONS:

9. 100% waiver of processing fees for SBI Personal Loans and Housing Loans.

10. Concessions up to 25% to 50% off on Annual Safe Deposit Locker rentals.

11.  Auto-sweep facility  (e-MODs) to earn higher rate of interest on surplus threshold amounts.

These are the benefits available to  DSP/ Def.Pension accounts, SBI gives maximum benefits.

Senior Veterans are requested to convey this message to our fellow veterans and Families.

 

 

81ST BIRTH DAY OF OUR TRUSTEE SGT.C.MUTHUKRISHNAN

 

                   AIR VETERAN SGT. C.MUTHUKRISHNAN ( 262841 )

WE, THE TRUSTEES OF OUR EXWEL 

+TRUST, TIRUNELVELI DISTRICT, TAMIL NADU,

" WISH OUR FINANCIAL TRUSTEE  VET.SGT.C.MUTHUKRISHNAN 

A VERY HAPPY 81ST BIRTH DAY ( 09-08-1946)      AND  WE PRAY GOD TO GIVE HIM A HALE AND HEALTHY LONG LIFE TO SERVE OUR ESM COMM,UNITY.  "

INDIAN AIR FIRCE IS PLANING TO UPGRADE HELICOPTER WARFARE

 

The Indian Air Force (IAF) is preparing a major technological upgrade to strengthen its anti-drone warfare capabilities by equipping its attack helicopters with Artificial Intelligence (AI)-powered radar systems, specialised micro-missiles, and advanced electronic warfare equipment. The initiative is part of India’s broader military modernisation programme following the lessons learnt from recent conflicts, where drones and loitering munitions emerged as game-changing weapons.

The proposed capability aims to transform helicopters such as the AH-64E Apache and the indigenous Light Combat Helicopter (LCH) Prachand into agile airborne drone hunters capable of detecting, identifying and destroying hostile unmanned aerial systems (UAS) before they can threaten military installations or frontline troops.

86TH BIRTH DAY OF OUR LIAISON OFFIER VET.SGT.S.KANTHIAH

WE, THE TRUSTEES OF EXWELTRUST , TIRUNELVELI- DISTRICT, TAMIL NADU, 

WISH OUR CHIEF LIAISON OFFICER, AIR VET. SGT.S.KANTHIAH, 

"  A VERY HAPPY 86TH BIRTH DAY ( 03-08-1941 ) "

WE PRAY GOD TO GIVE HIM A LONG AND HEALTHY LIFE  TO SERVE FOR OUR VETERAN COMMUNITY..

IMPORTANCE OF FORM 14 FOR CLAIMING FAMILY PENSION

 

REMEMBERING KARGIL WAR

 KARGIL VIJAY DIWAS JULY 26

KARGIL VIJAY DIWAS APPEAL

Dear friends,

July 26 is Kargil Vijay Diwas,  anniversary of the Kargil conflict during which as many as 527 Indian military personnel were martyred and 1,363 severely wounded. Four Param Vir Chakras were awarded, two posthumously and nine Maha Vir Chakras were awarded, six posthumously besides 55 Vir Chakras.

Several households – both military and non-military ones – have appreciatively adopted the poignant ceremony of lighting candles at home in the past many  years.

You are requested to light a candle each at your residences' entrances and lay a marigold each by its side at 2000 hrs after saying a prayer for those who did not come back. This may additionally be done at offices.

50% of DA MERGER W.E.F01-01-2026

 

NEW VICE CHIEF OF INDIAN AIR FORCE

 

                                                AIR MARSHAL ASHUTOSH  DIXIT

We are Happy that  

 Air Marshal  ASHUTOSH DIXIT  IS 

appointed  as the next VICE CHIEF  OF INDIAN AIR FORCE  (VCAS) ON 5th June 2026.

He is scheduled to assume  office on 1st July 2026..

We congratulate him on his elevation  and wish him all the best.

FREE MEDICAL CAMP FOR EX-SERVICEMEN AND FAMILIES ON 13-06-2026

 

Our Canteen Manager  Col.Alwin(Retd)  is being tested for   BP. and our Gen.Secretary   Vet,Sgt.K.Chelladurai and    M.Murugan, PRO from Shifa Hospital  and a  Doctor are present.

A free Medical camp for  our Ex-Servicemen and Families was arranged by our 

 TIRUNELVELI EXSERVICEMEN WELFARE ASSOCIATION   and

SHIFA HOSPITAL , Tirunelveli today  13-06-2026 in our Military canteen premises.

The camp was started with Tests with our Canteen Manager, Col. ALWIN (Retd) AND Asst,Manager . Hony.Capt..LAWRENCE. 

More than 100 ex-servicemen and families  participated   . 2 Doctors and about 10  Medical Staffs from Shifa Hospital  performed the tests.  It was a LIVELY day.  The camp was very useful and appreciated by all the participants.

The Tests were  ECC, ECHO, Blood Pressure, Pulse checking , Sugar checking  etc..

Our Association had arranged for tasty  LUNCH for all the participants..

NEW CDS FROM 31-05-2026

 

We are happy that   New CDS has taken over  with effect from 31-05-2026

GENERAL NS.RAJA SUBRAMANI -PVSM, AVSM-SM AND VSM  IS appointed as our new 

CHIEF OF DEFENCE SERVICES  FROM 31-05-2026.

We, The Exwel Trust, Tirunelveli-District, Tamil Nadu,  congratulate him on his elevation to the highest position  and wish him all the best .

AIG CLAIM ACCORDING TO THE YEAR OF DISCHARGE

Dear all, 

The claim from Army Group Insurance scheme -according to the year of DISCHARGE/ RETIREMENT. Here is the chart

GREETING -BAKRITH FESTIVAL 2026

 

 

Dear Muslim veteran brothers,

We. THE EXWEL TRUST, TIRUNELVELI DIST,  TAMIL NADU, 

"WISHES YOU ALL A VERY HAPPY  BAKRITH -2026 FESTIVAL  

 

Dear veterans,

Please let us know about   AGI  and its  benefits  and  the procedure to claim.

On death of a veteran  his NOK has to   prefer the claim

LET US KNOW ABOUT DIRECTORATES OF MILITARY VETERANS AND VSK- VEERANANGA SEVA KENDRA

 

LET US KNOW  ABOUT  DIRECTORATES OF MILTARY 

VETERANSAND  VSK- VEERANANGA   SEVA KENDRA.

 We have 3 Directorates for  THREE SERVICES  Namely:

DAV:  Directorate of Air Veterans-  Deals with all problem of Air Veterans and Families including   NCEs

DESA:   Directorate of Ex-Servicemen Affairs : Deals with all problems of Navy Veterans and families. 

DIAV  : Directorate of Indian Army Veterans-  Deals with all problems of Army veterans and families

  Now a new Window is launched    from November 2022 named   VSK   -  VEERANAGA SEVA KENDRA

VSK : created exclusively  for dealing  with all problems of  Family pensioners. Like  late sanction of family pension,  incorrect rate,  abnormal delay in switching over to family pension after demise of ESM etc.

VSK functions as a single window support system. It will  contact all Record Offices, Sparsh and PCDA independently

Here is an important  message :  This VSK is completely manned by Family pensioners  only. 

  So that S the problems for family pensioners are properly  understood and dealt  with

At present , this VSK  is functioning in the same premises of DIAV; 

Adjutant General ‘s Branch,   IHQ of MOD (Army),  104 Cavalry Road, Delhi Cantt- 110010.

Contact Numbers: 

VSK   Help line- Families………………..011-25664100

VSK   Help line  all Services…………..  011-25664200-

VSK-Whatsapp –Family pension…..  9910964067  and

                                                                 9910610866

Email ID…………………………………….. :diav.vsk@gov.in.

Dear veterans, please  pass on this information  to all   and you can  view from Esmcorner.com  and Military Knowledge portal .

Please note that this  VSK is now applicable for Army Family pensioners only.

REVISED RATE OF PENSION FOR HONY.OFFICERS OF 32.5 YRS OF SERVICE

 Dear Veteran brothers,

We remind  our Hony. Officers and  MCPO-I and equivalent  ranks,  who have served  for   32.5 yrs , to check up their rate of pension.

They will be considered for pension for 33 yrs of service pension.  Previously , they were paid for 32.5 yrs  and below only.

As per Sparsh  Circular 679,   those who have served for 32.5 yrs , will be considered for 33 yrs of service pension.

Our Trust, had identified many and got them the revised pension and eligible arrears.   

That is, Revised Rate  46300 but existing Rate 41532-. 

If any Hony.Officer has not received the revised Rate, please go through the given chart and approach your Bank

 or  Sparsh for getting the benefit. 

ENHANCEMENT OF DR TO CENTRAL FREEDOM FIGHTERS

 

Central govt.  has enchanced the Rate of Dearness Relef  by 3%   to   CENTRAL FREEDOM FIGHTERS AND FAMILIES   with effect from 01-07-2024.

  the present Rate  : 48%    Now increased by 3%  and hence   from 1-7-2024 will be  51 %.

                                                                            PENSIONERS                        DEPENDENTS

bASI PENSION................................................    26000.00                              13000.00

dr  AT      51%..............................................         13260.00                                6630.00      

                                ..Total pension..................... 39260.00                              19630.00    

The  affected  freedom fighters may check up their latest  pension credit . If the DR is not revised, approach the bank   and get it revised;

Authrity:  GOI Ministry of Home:  F.NO:   42/02/2024-  P&PW(D) dated 3-10-2024.

GREETINGS ON SENIOR CITIZEN WEEK

 

 Dear all,

This  is the  SeniorCitizen week.

Let us all  observe the   instructions   for happy life    

GREETINGS TO YOU ALL

DA DA/DR ENHANCED BY 2% FROM 01-01-2026

Dear all, 

Our Central Govt  has approved for ENHANCEMNT   of  DA/DR by 2%  for  Cent Govt employees  and pensioners  with effect  from 01-01-2026.

So our  DA   will be    58%  + 2 = 60%   w.e.f   01-01-2026.     The  revised DA may be effected from   the Pay / Pension of  April 2026.     This is for information Based on reports from April 18, 2026, the Union Cabinet has approved a 2% increase in Dearness Allowance (DA) for Central Government employees and Dearness Relief (DR) for pensioners, effective from January 1, 2026. 

Here are the key details regarding the enhancement:

• New Rate: The DA/DR is increased from 58% to 60% of the Basic Pay/Pension.
• Effective Date: The revised rate is applicable retrospectively from January 1, 2026.
• Approval & Arrears: Following approval by the Union Cabinet, the Department of Expenditure (DoE) will issue the formal Office Memorandum (OM). Arrears for the intervening months (January 2026 onwards) will be paid.
• 8th Pay Commission Context: This hike is based on the 7th Pay Commission formula. Although the 8th Pay Commission is slated to take effect from January 1, 2026, the current DA structure remains in place until new recommendations are implemented.
• Financial Impact: The increase of 2% is expected to cost the exchequer approximately Rs 10,083.96 crore annually. 

Note: The official Government Order (Office Memorandum) document number and date of issue should be checked on the Ministry of Finance website (finmin.nic.in) once published. ion of all our veterans.

VERY USEFUL SITE FOR EX-SERVICEMEN COMMUNITY

 Dear Veteran brothers,

Here is very good platform  knowing almost all subjects for Ex-Servicemen community problems..

The site is  www.esmcorner,com

When you open this portal, you will find pop up screen  showing all the heads  like:shown below.

eg/.News, ECHS , OROP,SPARSH PENSION etc.

Now, you can click any of the subject  say, SPARSH, you can find the sub heads connected to the subject,

You can  click and view the points .  Every subject can be viewed  in detail.

Dear all, kindly   utilize  this site for clarification  and knowledge.

   

  LET US KNOW THE DIFFERENCE BETWEEN  DIVORCE  AND LEGALLY SEPERATED CASES.

MARITAL STATUS: 

Divorce:  dissolves the marriage  permanently

Judicial Separation:  Suspends Marrital duties (Cohabitation ) but Legan bond remains intact.

RIGHT TO RE-MARRIAGE:

Divorced INDIVIDULAS  CAN remarry   with other or the same  partner.

Judically Seperated individula can not re-marry

RE-CONCILATION

Divorce is generally final (Irreversible )without marriage.

Judicial  seperated is a Trial stage, that can be reversed by a court  to resume living together again

LEGAL RIGHTS / INHABITANCE

Divorce  : breaks the inheritance rights

In JUDICIAL seperated case: the wife may still be considered legal NEXT OF KIN for inheritance purpose depending  on the Law.

GROUNDS FOR FINDINGS:

Under Hindu Marriage Act 1955, Judicial  seperation can be sought  forsimilar , yet orten less stringent reasons  than full Divorce, providing pathway to consider the future Marriage.

  IN BRIEF:                        DIVORCE                  JUDICIAL  SEPERATION

  Marriage end                  YES                              NO

Re-Marriage Allowed         YES                             NO

Cohabitation                      ENDS                         ONLY SUSPENDED

Reversibility                       NO (Usually)             Yes If parties reconcile

Status                                 DIVORCED (single)         Married but seperated 

Both process allow for Court arrangement regarding alimony , maintenance and Child custody.

KIND ADVISE FOR OUR VETERANS -PENSIONERS AND FAMILY PENSIONERS.

 

Dear all,

Pensioners are advised  to keep  the valuable Documents  safe and for future use by our NOKs 

Take it serious  and keep the documents and inform our NOKs sutabily

USEFUL INFORMATION FOR OURVETERANS

 

                         USEFUL INFORMATION TO ALL VETEANS

          Nowadays , we are  lodging our grievances through  CPGRAMS  AND CPENGRAMS.

    There si difference between two  systems,, Let us note :

CPGRAMS  means_ CENTRALISED PUBLIC GRIEVANCE REDRESS AND MONITORING SYSTEM.

 It is designed to handle general public grievances related to Central Government ministries and departments 

It will cover administrative and service related complaints.

Example:   Delay in administrative services

                  Issues related to  government schemes

                  Non-response from department

                  Policy related complaints    and General service delivery failures

CPENGRAMS:  it means  CENTRALISED PENSION GRIEVANCES REDRESS AND MONITORING SYSTEM.

       This is created exclusively for pension related grievances. It deals with matters connected

 to pension , family pension , retirement benefits  and related issues. 

Examples:  Delay or stoppage of pension 

                    Wrong fixation of pension

                    Non payment of Arrears

                    Gratuity and commutation issues.

                    Family pension and Widow cases

                   -Disability pension cases 

                    SPARSH related pension problems  like delay for reply, pending for a very long time  and 

                    Rejection without giving the reason  for the rejection etc.             

                    Errors in PPO  and pension revision LIKE incorrect Groups and Rate of pension etc.

Dear veteran bothers, please see the difference between CPGRAMS AND CPENGRAMS.

 It is advised to lodge our pension grievances only  in CPENGRAMS  only 

If you lodge in CPGRAMS, they may not reply or it will be delayed due to non related subject.     

VERY USEFUL INFORMATION TO ALL EX-SERVICEMEN

 

Dear all,

Here is a useful  message from Indian  AIR FORCE ASSOCIATION. 

Kindly note the same  for future use and help.. PHONE NO.1932

A death of an Air veteran to be informed to Air force  to Phone no; 1932 giving the full particulars of the deceased Air veteran and Place and Time of cremation. . A team of Air force personnel  may visit and honour the departed Air veteran.    KINDLY NOTE THE SAME.

PAN CARD RULES FROM APRIL 2026

 

Dear all,

Please  watch the uses of PAN card from April 2026.

 In Which are the places  PAN card is necessary.

This is  a very useful information. 

Kindly note it for future .

IMPORTANCE OF NOMINATION FOR PENSION ACCOUNTS

 

Dear Veteran brothers,

We all should know the importance of  Nomination to our pension account.

Every pensioner/ Family pensioner is advised to  furnish Nomination to our Bank.  

As per RBI instructions, we can Nominate 4 persons  as nominees in  order  with % to each of them

If the spouse is alive, she is the first  Nominee and there is no problem. 

When a  Nomination is registered  with the Bank,  it is easy to settle the account in the event  of death of pensioner.

We can avoid submission of many documents like,  Affidavit, Indemnity Bond, Surety letters, Legal heir certificate, consent from other heirs and so  on.

When a Nomination is available,  the nominee need to submit  Death certificate of pensioner,  and proof his nomination and  genuineness of the nominee.   If the Nominee has account with  the same Bank, then it is easy,  

Hence, all pensioners are advised to  Register Nomination in NOMINATION FORM A  to their bank  pension account to avoid  delay  and harassment  in settling the account  after their death.

If the nomination is registered, it will be notified in our Bank. pass book.

 this Form.

HSC JUDGEMENT ON ARREARS FOR 3 YRS ONLY AS PER AFT JUDGEMENTS

 

Dear All,

Here is a very useful information to all our veteans .

We all know that if any case is  filed in our AFT , regarding arrears of payment   in respect of say  Disability or normal pension cases,  the judgement is given after a very long time.   

in the judgemen, ART says  arrears may be paid   for 3 years only.from the date of judgement .

In this regard, one of our veterans have filed a ase in Supreme  Court. Appeal No; 6820-6824 dt 2016.

Now, Supreme court has has giver judgement on 12-02-2026 . that, 

ARREARS FOR 3 YRS ONLY IS NOT VALID.   ARREARS TO BE PAID FROM THE ELIGBLE DATE.

The HSC has dismissed the Union of India 's appeals aagainst the Tribunalorder  and Quashed Tribunal orders that had limited arrears to thre years  prior to filing.

It is a very useful information.  All our veterans are requested to share this information to other veterans.

Re: HSC Judgment about Limitation of arrears only for 3 years is not valid

esmwelfare/Inbox

Re: HSC Judgment about Limitation of arrears only for 3 years is not valid

esmwelfare/Inbox

Chandra Nath 

From:cpcnath@gmail.com

To:veteransindia@googlegroups.com

Cc:Major SK Jain,preavsmajorsltcdrssqnldrs,Armed Forces Veterans,Indian Veterans India,helping-hands-for-veterans@googlegroups.com

Mon, Feb 16 at 3:15 PM

Dear All,

Supreme Court of India on 12 February 2026, in Union of India v. SGT Girish Kumar & Ors (Civil Appeal Nos. 6820–6824 of 2018 and connected matters), held that the statutory three-year limitation period cannot be invoked to cap arrears of disability pension once entitlement has been judicially established.

Key Holds of the Judgment

The Bench (Justices Pamidighantam Sri Narasimha and Alok Aradhe) examined appeals arising from conflicting orders of the Armed Forces Tribunal — some of which restricted arrears to three years before filing, while others granted full arrears from specified cut-off dates (e.g., 01 Jan 1996 or 01 Jan 2006).

The Supreme Court held that disability pension is a recurring and vested right — it is not a mere bounty, but a deferred part of compensation once the governing conditions are satisfied.

Once entitlement to broad-banded disability pension stands judicially affirmed (particularly through the earlier three-Judge Bench decision in Union of India v. Ram Avtar, which was treated as a judgment in rem), arrears flowing from that entitlement cannot be truncated by reference to a three-year limitation, delay, or laches.

The Court therefore dismissed the Union of India’s appeals against Tribunal orders that granted full arrears and quashed Tribunal orders that had limited arrears to three years prior to filing.

AN IMPORTANT INFORMATION TO VETERANS

 

Dear Veterans,

A new Rule for Disability pensioners , Income Tax Exemption case is announced

 in the New  Budget- 2026-2027 by our Government.

The existing Rule is, all Disability pensioners are exempted from paying Income tax

 on both Service Element  Plus Disability element.  CDA cir 210 and 211

Now, the New Rule says, only the INVALIDED out DISABILITY PENSIONERS are exempted.

 Disability pensioners on discharge on Superannuation, on completion of full service,

 or on own request are not exempted. There are cases, where Soldiers,  in spite of Disability

 continue in service for full term and discharged with Disability pension.

Such cases  , here after will not be exempted from paying INCOME TAX.

    They have to pay  income Tax.

Many of our Association have taken up the case with Government  for earlier benefits.

You can visit  exmcorner.com   blog  for more details.

  Let us hope for better result.

77TH REPUBLIC DAY CELEBRATED

 

The 77th   REPUBLIC DAY  WAS CELEBRATED  BY OUR   TIRUNELVELI  DIST EX-SERVICEN WELFARE ASSOCIATION   ON 26-01-2026.

Excecutive members  participated, Hoisted The Naional Flag at out Association Building at  Palayamkottai, Near  Military Canteen, Tirunelveli0-District Tamil Nadu.

WE, WISH YOU ALL THE VISITORS A HAPPY 77 TH REPUBLIC DAY-2026

77TH REPUBLICDAY GREETINGS

 

WE THE EXWEL TRUST MEMBERS, , TIRUNELEL-DIST, TAMIL NADU ,

"  WISH YOU ALL A VERY HAPPY 77TH REPUBLIC DAY- 26TH JANUARY 2026 "

GOOD INFORMATION TO OUR MILITRAY VETERANS

 

DEAR ETERAN BROTHERS,

Here is a very important and useful  information.    Kindly go through and   utilise the facility.

VERY USEFUL MESSAGE FOR VETERANS AND FAMILY PENSIONERS.

 

AN IMPORTANT   INFORMATION TO OUR VETERANS.

  Dear veterans,

  we are all in an Opinion that  DUAL family pension is eligible for  all Re-employed  Ex-Servicemen families (cir 504).

Here is a special message in this regard. 

There are  some widows are eligible for Special  or liberalized family pension for the  first service i.e Military service .

Where the death or disability was due to Attributable to service causes. .Hence Special  or Liberalised Family pension..

In such cases, where the family is in receipt of Special Family pension,  or  Liberalised Family pension,  she is not eligible for  same Special or Liberalised Family pension for the second service. ( Ref; MOD ltr. No: PC:2(6) /2013-D ( Pen/Pol) dated 08-07-2019. )

She is eligible for ORDINARY FAMILY PENSION FOR THE SECOND SERVICE.

 Such cases are rare but it is to be noted.   Just by referring CDA cir 504,  we should not think that the families drawing SFP  is  also eligible for one more SFP  for the second service.       These instructions  are clearly  spelled in CDA cir 626 dated 19-08-2019.

 Our veterans are requested to convey this message to other veterans in their areas.

PONGAL FESTIVAL GREETINGS

 

DEAR ALL, 

WE THE MEMBERS OF EXWEL TRUST, TIRUNELVELI DIST, TAMIL NADU

 "  WISH YOU ALL A HAPPY PONGAL "

AGE LIMIT FOR CLAIMING PERSONAL ACCIDENT INSURANCE BENEFIT UNDER N DSP SCHEME

 

HERE  is a an important message   regarding  AGE LIMIT FOR  claiming   PERSONAL ACCIDENT INSURANCE COVER.

There is a limit. As of now, as per the available  information, the  Max. limit is 80 yrs,    Those who die in an accident  whose age at the time of accident shall not be more than  80 yrs.    This limit also varies from Bank to bank.

  We have to clarify before making any claim.

This condition may change later on.

All are requested to note the same  and pass on to other veterans also.

or For Defence Salary Package (DSP) accounts, the Personal Accident Insurance (PAI) cover generally extends to serving personnel up to retirement age (often 60 or 62), and for pensioners up to age 70 (sometimes 80 for specific covers), with maximums depending on the bank (like SBI, BoB) and specific account type, covering death/disability, with child education/marriage benefits often up to age 25. 

For Serving Personnel:

·         Age Limit: Typically 18 years to retirement age (e.g., 60 years), as noted by Bank of Baroda and Bank of Baroda.

·         Cover: Includes high PAI for death/disability during duty and off-duty, as per Bank of Baroda. 

For Pensioners (Retired Personnel):

·         Age Limit: Coverage often continues, with benefits extending up to age 70 or even 80 for certain disability/accident covers, as seen in Bank of Baroda and Scribd.

·         Coverage: Includes PAI, often with continued benefits for disability and specific child benefits, say Scribd.   

All