Overview
Work History
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Firs Aid Certificate Scout &Guide NCC Certificate
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Vijay Saini

Saskatoon,Alberta

Overview

39
39
years of professional experience
1
1
Certification

Work History

Ex-Manager

State Bank Of India, SBI
12.1984 - 07.2019
  • Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
  • Built relationships with customers to encourage repeat business.
  • Welcomed customers and helped determine their needs.
  • Greeted customers entering store and responded promptly to customer needs.
  • Worked flexible schedule and extra shifts to meet business needs.
  • Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
  • Helped customers complete purchases, locate items, and join reward programs.
  • Restocked and organized merchandise in front lanes.
  • Assisted customers with returns, refunds and resolving transaction issues.
  • Assisted customers with inquiries and provided exceptional service, resulting in positive feedback from shoppers.
  • Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
  • Stocked, tagged and displayed merchandise as required.
  • Handled cash with high accuracy and took care to check bills for fraud.
  • Learned duties for various positions and provided backup at key times.

Accounting Clerk

O.C.M
01.1984 - 12.1984
  • Applied proper codes to invoices, files, and receipts to keep records organized and easily searchable.
  • Maintained organized filing systems for accounting records, ensuring easy access to crucial financial information when needed.
  • Maintained accounting records utilizing in-house and client systems.
  • Input high volume of monthly invoices with consistent accuracy.
  • Facilitated timely month-end closing activities by completing accurate journal entries and account adjustments.
  • Managed accounts payable and receivables and payroll.
  • Maintained accurate and complete documentation to facilitate accounting and filing functions.
  • Collaborated with other accounting clerks to maintain a cohesive and supportive work environment, fostering knowledge sharing and continuous improvement efforts.
  • Enhanced financial reporting accuracy by conducting thorough account reconciliations and resolving discrepancies promptly.
  • Streamlined accounts payable processes by implementing efficient invoice management and payment tracking systems.

Clerk

Bank Of Baroda
11.1982 - 03.1983
  • Utilized strong multitasking skills to manage multiple priorities and tasks, ensuring timely completion of each assignment.
  • Interacted with customers by phone, email, or in-person to provide information.
  • Reduced errors in data entry by carefully inputting information into computer systems with attention to detail.
  • Improved customer satisfaction by promptly answering inquiries and providing accurate information.
  • Supported administrative staff with timely completion of daily tasks, ensuring smooth office operations.

Cashier/Clerk

ORIENTAL BANK OF COMMERCE
01.1981 - 11.1981
  • Greeted customers entering store and responded promptly to customer needs.
  • Welcomed customers and helped determine their needs.
  • Worked flexible schedule and extra shifts to meet business needs.
  • Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
  • Built relationships with customers to encourage repeat business.
  • Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
  • Helped customers complete purchases, locate items, and join reward programs.
  • Assisted customers with inquiries and provided exceptional service, resulting in positive feedback from shoppers.
  • Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
  • Resolved customer complaints professionally, leading to improved customer relations and loyalty.
  • Enhanced customer satisfaction by providing efficient and accurate cash transactions.
  • Worked closely with shift manager to solve problems and handle customer concerns.

Education

Course in Computer Application

Vikas Computer Centre
Amritsar India Punjab
04.1992

Bachelor of Science - Commerce

Khalsa College
Amritsar India Punjab
03.1979

Subject

AN INSULT TO THE PARLIAMENTARY DEMOCRACY

Content

I note with regret that the reply by the Honourable MOS for Finance Dr. Bhagwat Karad on 13-02-2023 to the unstarred question No. 1828 raised by Dr. Ravikumar, MP in the Lok Sabha was a pack of lies. This can be seen from what follows. No doubt, the Minister is at fault for this, but given the fact that he has to rely on the information fed by his Secretarial staff, we may give him the benefit of doubt. The question No. 1828 (a) regarding steps taken by the government to resolve the issue of restoration of full neutralization of Dearness Allowance on pension to pre-November 2002 retirees elicited an answer reading as under: "Bank employees and retirees are paid Dearness Allowance and Dearness Relief settled through Bipartite Settlements between bank employees unions / associations and IBA which negotiates on behalf of participating banks and that no decision has been taken in the bipartite settlement regarding the same though unions / associations have demanded the neutralization." The Hon'ble Minister has misled the House by giving a wrong answer. The payment of dearness allowance is governed by a settlement dated 29.10.1993 entered into pursuant section 2 (p) and Section 18(1) of the Industrial Disputes Act, 1947 read with Rule 58 of the Industrial Disputes (Central) Rules, 1957 between all India Bank Employees Association and IBA. This settlement is operative with full force, even today. Clause 6 of it states "Dearness relief to pensioners will be granted at such rates as may be determined from time to 2 time in line with the dearness allowance formula in operation in Reserve Bank of India". Thus, the settlement envisages the granting of DA on the same pattern as given to the pensioners of the Reserve Bank of India. It follows that the statement of the MoS to the effect that "no decision has been taken in the bipartite settlement regarding the same though unions / associations have demanded the neutralization" is far from truth. Obviously, the reply read out by the Minister is intended to avoid payment of 100% DA neutralization to preNovember 2002 retirees under a pretext that no decision has been taken in the matter whereas the settlement dated 29.10.1993 already contains an inbuilt provision for the same. 100% DA neutralization is available to all the retirees of the RBI irrespective of the date of their retirement. So, in the light of the aforesaid settlement, there is no justification for withholding 100% DA neutralization for the pre-November 2002 retirees in PSBs. The question at (b) seeking the present position of the Ministry over the issue of pension updation of PSBs and (c) "whether the committee set up to look into the matter of pension updation of PSBs has submitted its report and, if so, the details thereof" secured a combined reply as below : - "Pension, a funded scheme, was also introduced in nationalized banks through Bipartite Settlement. The boards of the respective nationalised banks accordingly made Employees' Pension Regulations in exercise of their powers under section 19 of the Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970/1980. These regulations do not have provision for revision of pension. However, DA/DR is being increased from time to time, i.e. on quarterly/half yearly basis". "IBA has further informed that the committee set up to look into the matter of pension up dation of PSBs has submitted its report to the Hon'ble Supreme Court and the matter is still sub judice". The reply gives much credence to the Bipartite Settlement stating that "Pension, a funded scheme, was also introduced in nationalized banks through Bipartite Settlement". At the same time, the reply conveniently neglects the following clauses of the Bipartite Settlement dated 29.10.1993 by not honouring them : - Clause 12 of the settlement dated 29.10.1993 reading as:- 3 "Provisions will be made by a scheme, to be negotiated and settled between the parties to this Settlement by 31st December, 1993 for applicability, qualifying service, amounts of pension, payment of pension, commutation of pension, family pension, updating and other general conditions, etc. on the lines as are in force in Reserve Bank of India". Both the deadline and the guideline are written into the above clause. The deadline is 31-12-1993 and the guideline is whatever is "on the lines as are in force in the Reserve Bank of India". Though the deadline may have been breached, there is nothing which prevents the guideline from being followed. A further negotiation and a settlement would become necessary only when benefits superior to what is being paid to the retirees in the RBI is sought. Clause 14 of the settlement dated 29.10.1993 reading as : - "The terms and conditions hereof shall continue to govern and bind the parties until the Settlement is terminated by either party giving to the other a statutory notice as prescribed in law at the material time". Neither of the parties have invoked this clause so far. DFS was putting on hold the updating of pension in the Reserve Bank of India (as per Exhibit-1 attached), on the ground that it will result in similar demands from Public Sector Banks. DFS had, on pages 263-265 of its office notes of JanFeb. 2018 recorded that there exists an industry level pension settlement according to which as and when any improvement in the benefit of pension is put into operation in Reserve Bank of India from time to time, similar improvements shall be implemented in Nationalised Banks and therefore a valid demand shall arise from the unions/ associations for implementation of pension updation in case it be sanctioned to RBI. Despite its own acceptance that the pension in PSBs have to be updated if updating of pension is granted in RBI, the DFS did not update the pension in PSBs when it accorded sanction for updating the pension in RBI with effect from 01.03.2019 vide letter F No. 11/5/2001-IR dated 5th March 2019 (Exhibit-2). DFS made all banks breach the terms of the Settlement dated 29.10.1993. Ironically, updating of pension in the NABARD was also allowed by the DFS and pension in PSBs alone is remaining to be revised. The Hon'ble Minister's reply contains a statement to the effect that "These regulations do not have provision for revision of pension" . This is an utter lie considering the fact that Regulation 35 (1), standing alone, is sufficient to warrant pension revision in banks in consonance with revised wages arising out of each Bipartite Settlement in the same way Central Civil Pension gets updated with the implementation of each Pay Commission Report. Regulation 56 will come into play if someone, for any reason, real or invented, feels that Regulation 35 (1) is either not adequate for pension updation or that Regulation 35 (1) is not meant for pension updation - which is what the Minister means when he says that 'These regulations do not have provision for revision of pension. The regulations 35 (1) and 56 are as below : - Regulation 35 (1) ''Basic Pension and additional pension, wherever applicable, shall be updated as per formulae given in Appendix-I '' (as amended during in 2002/2003 for different banks) ''The regulation in its initial form as on 29.09.1995 stood as: In respect of employees who retired between the 1st day of January, 1986 and the 31st day of October, 1997, Basic pension and additional pension will be updated as per formulae given in Appendix-I''. The Appendix - I, in addition to the formula for updating pension of employees retired between 01.01.1986, to 31.10.1987, contained the formula for updating basic pension in respect of workmen who have retired on or after the 1st day of November, 1992 but before the 1st day of September, 1993 and in respect of officers who have retired on or after the 1st day of July, 1993 but before the 1st day of May, 1994 and other formulae for reckoning Special allowance etc of employees. Apparently, the reference to the employees who retired during 01.01.1986 to 31.10.1987 in regulation 35 (1) was out of place. The Appendix -I was meant for granting the benefit of updating of pension even to the employees who retired prior to 29.09.1995, the date on which the Pension Scheme was put in place and does not mean that updating of pension 5 was not intended for employees who retired after the introduction of the Pension Scheme. No formula could be evolved at that time for revision of pension of employees who retire after the commissioning of the Pension Scheme as updating in their case was to take place on the basis of future pay levels about which no one can know in advance. Any doubt in this regard is set at rest with the amendment to the regulation carried out during 2002/2003 by laying down that "Basic pension and additional pension, wherever applicable, shall be updated as per the formulae given in Appendix -1". Stress to the updating was supplied by substituting the words "will be updated" in the initial proviso with "shall be updated" in the amended proviso and also by adding the words ''wherever applicable" in the new proviso. Though the reference to Appendix -1, was not removed from the regulation, it became superfluous. Had the updating not been intended, there was no need for mentioning the words "shall be updated" and also for amending the Regulation. Regulation 56 - Residuary Provisions: "In case of doubt, in the matter of application of these Regulations, regard may be had to the corresponding provisions of Central Civil Service Rules, 1972 or Central Civil Services (Commutation of Pension) Rules, 1981 applicable for Central Government employees with such exceptions and modifications as the Bank, with the previous sanction of the Central Government, may from time to time, determine". The regulation, though placed as the last regulation and is termed as residuary provisions, is the most important of all the regulations with pervasive applicability on all other regulations, in case of any doubt in the matter of their applicability. The regulation further makes it clear that except to the extent of exceptions and modifications determined by the Board of the Bank with the previous sanction of the Central Government and notified in the gazette, the Pension Regulations are identical to the Central Civil Service Rules, 1972. The banks have not so far identified any exception and modification from the Central Civil Service Rules, 1972 making any of the provisions of the Central Civil Pension rules inapplicable to bank pensioners. As such, just in the same way Central Civil Pension gets updated with the implementation of each Pay Commission, the pension in banks needs to be updated with the revision in pay 6 scales arising out of the Bipartite Settlements from time to time in accordance with this regulation. In short, the non- revision of pension in banks during the past more than 25 years is in breach of the bipartite settlement dated 29.10.1993 and also in utter disregard to the regulation 35 (1) and 56 of the Pension Regulations and was bringing shame to the Indian Parliament and making the Parliament pointless. The officials at DFS, based on whose inputs, the Hon'ble MoS made these statements, were clearly misleading both the Minister and the House. Another statement in the answer viz. "However, DA/DR is being increased from time to time, i.e. on quarterly/half yearly basis" is also false and misleading as it tells that DA is increased at quarterly/half yearly basis. Bank pensioners are never given DA increase at quarterly intervals. While quarterly increase in DA is granted to employees, pensioners are made to bear the burnt of inflation in gross breach of clause 6 of the Bipartite Settlement dated 29.10.1993 by paying increased DA only on half-yearly basis. A confusing reply that DA/DR is being increased from time to time on quarterly/half yearly basis was given by the Hon'ble MoS for Finance. This was a wrong information furnished to the members of the House. The final answer at (b) and (c) that "IBA has further informed that the committee set up to look into the matter of pension up dation of PSBs has submitted its report to the Hon'ble Supreme Court and the matter is still sub judice" is not a straightforward one. The Hon'ble MP sought to know the steps initiated by the government for updating pension in PSBs whereas the Hon'ble MoS for Finance was narrating what IBA, a Voluntary Association has done in the matter. The version that IBA has submitted the report of the Committee is yet another damn lie. Though a six-member Committee headed by Shri. Mallikarjuna Rao, CMD of Punjab National Bank was set up to look into the updating pension and the Committee met first on 22.07.2021, it did not do the task so far. IBA was evading the submission of the report under one pretext or another and has not so far submitted any report to the Supreme Court. What is conspicuous in the statement made by the Minister is the lack of any reference as to whether the report was for or against updation. In the Special Leave Petition No. 5561 of 2016 pending with the Supreme Court, the Hon'ble Supreme Court had, on 20.01.2022, directed the respondents to file at least an interim Report of the Committee and gave further time till 22.04.2022 for filing it. But, instead of filing the report on or before 22.04.2022, IBA pleaded its inability to submit the report within the allowed time on the ground that the Chairman of the Committee was demitting Office conveying an impression that the Chairman was to do the work single-handed. At the 24.08.2022, on the extended date of 24.08.2022, without filing the report, IBA filed a false affidavit sans probity that there are no provisions for updating pension in the Bank Employees' Pension Regulations notwithstanding that the regulations 35 (1) by itself or regulation 35 (1) read with regulation 56 in case of need and in case of need, are clear provisions in the Pension Regulations necessitating the updating of pension simultaneous with revision in apay scales arising out of each Bipartite Wage Settlement. DFS and IBA have been using the judiciary as a tool for continuing the atrocity till the petition pending is disposed of by hook or by crook. According to the DFS, the sub judice nature of the issue of with the Supreme Court was standing in the way of updating the pension in PSBs. This is utterly baseless, aimed at fooling the members of the House as the sub-judice status is not restraining or prohibiting the banks from honouring the settlement dated 29.10.1993 and in implementing regulation 35 (1) and regulation 56 of the Pension Regulations, 1995 sanctioned by the Parliament and appraising the Court accordingly. Leave alone the settlement and the regulations, your good self was loudly appealing to the IBA more than two years back at its 73rd Annual General Meeting that in view of the yeoman service the bank pensioners had done for the banks and to the nation during their heydays, they shall not be forgotten post retirement, they shall be treated as a family and be granted OROP. But IBA and the people at DFS have neglected the exhortation of their own mistress and are unrelenting on updating of pension by sabotaging the Settlements and the statutory Pension Regulations in utter disregard to the basic tenets of the Constitution of India. The DFS and the IBA seem to be hand in glove, stubbornly determined not to let the Minister hold her head high. What the bank retirees need is only the proper dispensation of the Bank Employees Pension Regulations, 1995 - which carries legislative authorization - through the proper implementation of regulations 35 (1) and 56 in letter and 8 spirit considering that these regulations were not purposeless regulations. The payment of the pension as per regulation 35(1) and regulation 56 is not merely a statutory a statutory right arising out of the Pension Regulations, but a right arising out of the offer to pay pension in consideration of the CPF surrendered/paid back while opting for pension In his reply, to the questions at (b) and (c) the Honourable Minister was telling that Pension is a Funded Scheme. This goes to confirm that pension in banks is not from the revenue account of the banks or from budgetary allocation of the Government. Pension Funds were created by the CPF of employees and CPF refunded by retired employees and families of deceased employees. CPF being the statutory entitlement of employees payable to them under provisions of EPF Act, pension of bank employees is payable mostly out of their own money, property and deferred wages. As pension is payable out of the Pension Fund, there is practically no significant incremental cost either to the banks or the government for paying pension or updated pension. And, if at all this involves any incremental cost for the banks, it is not by chance, but by choice. The Government and the banks should remember that when the banks introduced the pension scheme in 1995, they have agreed to meet any additional outlay the Pension Scheme may entail. Having agreed to this, both the Government and the Banks cannot cavil at it later on. I seek your indulgence in the matter and your kind intervention to reestablish the rule of law with due allegiance to good governance and to the Constitution of India. Further, I request you to direct the DFS to stop tarnishing the image of the government and of the Ministers concerned and to honour the sacrosanct commitments under the statutory pension regulations. Please let me hear from you in the matter. With respectful regards, I remain. Yours faithfully, C N VENUGOPALAN

Recipient

The Honourable Minister for Finance, North Block, New Delhi, Delhi, 110 001

Personal Information

Title: Ex-Manager, Union Bank of India & Former (Independent) Director (GoI Nominee) State Bank of Travancore (2011-14)

Languages

English
Professional Working

Affiliations

  • Govt. of India

Certification

First Aid Certificate Scout &Guide NCC Certificate CAIIB. Certificate

Firs Aid Certificate Scout &Guide NCC Certificate

I am here PR in Saskatoon in Brighten Area  and living permanently here

Timeline

Ex-Manager

State Bank Of India, SBI
12.1984 - 07.2019

Accounting Clerk

O.C.M
01.1984 - 12.1984

Clerk

Bank Of Baroda
11.1982 - 03.1983

Cashier/Clerk

ORIENTAL BANK OF COMMERCE
01.1981 - 11.1981

Course in Computer Application

Vikas Computer Centre

Bachelor of Science - Commerce

Khalsa College

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Vijay Saini