Tuesday, 14 September 2021

LIC's learned lawyers argue court cases unconstitutionally!

     A judgment by the Madras High Court in 2014 decided against 3 ex-employees who had asked for L.I.C of India to pay their arrears arising due to retrospective wage revision. L.I.C's esteemed lawyers undoubtedly left no stone unturned in trying to deprive the ex-employees of their legally rightful dues.

     What shocked me was that they proved them to be a deserters! Strange logic! 

     Consider the fact that Article 19 ( 1) (g) of Constitution of India provides Right to practice any profession or to carry on any occupation, trade or business to all citizens.

     Also, payment of salary/ wages in is a contractual/ statutory obligation of the company. It is the social and moral responsibility of the employer to ensure full payment of wages. 

     If the employee was on roll on the date from which the wage revision was effected, why shouldn't he/she get those arrears' payments? It was L.I.C's fault that they didn't implement the wage revision on time. Why should the ex-employee be made a scapegoat and defrauded of his/her hard-earned money, on flimsy, unconvincing and wrong pretexts like 'desertion for greener pastures'? It is downright insulting and illegal, in fact!

     Now let us consider 'desertion' which is a very derogatory and humiliating word:

     Has the person deserted his post in the defense services or other paramilitary forces, in which case it is a grave offense and must be rightly punished?

    Has the person just left service due to personal reasons, which may be the possibility in the above-mentioned court case, and hence is innocent? 

    Interestingly, employees in L.I.C of India are not bound by any clause wherein they could be pronounced a 'deserter'! In fact, the Corporation should specifically mention it on its appointment letter, confirmation letter and notify this clause of repudiation to the employee who opts for resignation; so that he/she could make an informed choice, but L.I.C does no such thing. At least my letters didn't have that clause!

    In my opinion, only the extremely confident and talented ones with initiative and the desire to achieve great things in life and better their lives and the world; leave existing jobs to find better alternatives. They could join somewhere else where their talents will be better regarded, encouraged and nurtured; start their own ventures and become entrepreneurs, provide the jobless with employment and improve the economy; or choose to stay at home and improve their health and quality of their lives! Each to his or her or their own!

     Let's see how some famous persons who quit their jobs have fared: 

1. India's Honorable Prime Minister Sri Narendra Modi left his tea stall. 

Had he not done so, India would have been deprived of this determined, efficient and strong administrator! 

2. India's charismatic former RBI Governor Dr. Raghuram Rajan had left his job to accept the Governor's post. Later he resigned to join academia.

Source Internet: Dr. Raghuram Rajan assumed charge as the 23rd Governor of the Reserve Bank of India on September 4, 2013. Prior to this, he was the Chief Economic Advisor, Ministry of Finance, Government of India and the Eric J. Gleacher Distinguished Service Professor of Finance at the University of Chicago's Booth School.

3. India's former President Dr. A.P.J.Abdul Kalam was a scientist who left his job at I.S.R.O to take up the top-notch assignment. If he would have stuck to his earlier assignment, India would have been deprived of a great and wise leader who struck the right chord with young and old alike!

Source Internet: Before becoming the President of India, he worked with the Indian Space Research Organisation (ISRO) and Defence Research and Development Organisation (DRDO) as an aerospace engineer.

     Kindly note that I have used the above-mentioned 3 examples to make my point that people who take up new and challenging assignments are exceptionally self-confident, capable, brilliant and brave and are NOT deserters! 

     Even the Provident Fund (P.F.) rules allow transfer of the monies outstanding in an employee's P.F. account to the P.F account pertaining to his new employment, when he switches jobs.

     You could have umpteen examples of exceptional people who have made a mark in the world after leaving (Not deserting!) their previous jobs. 

Just run a Google Search! 

     Hope L.I.C's esteemed lawyers who seem to be living under a rock in the medieval stone ages; take this challenge!

     Why, L.I.C itself has many people, even at its top-most echelons who have left service and joined elsewhere! 

Sri G.N. Bajpai resigned as Chairman of L.I.C of India to join the Securities & Exchange Board of India and Sri T.S. Vijayan stepped down as Managing Director of L.I. C of India to become Chairman of the insurance regulator, I.R.D.A. Were they deserters. as per L.I.C's learned lawyers' arguments?

Even recently, Mr. S.K.Roy, the Chairman of L.I.C 'deserted' L.I.C and was denied his arrears' payments! The last news that I had read about him on the internet was that he was trying hard to get the management to treat his resignation as voluntary retirement and not resignation! 

So when it comes to their money, they will not forfeit it at any cost. But we should not even raise our voice for our equally hard-earned money! 

Most unfair and unjust! Downright deplorable!

****

     Why do resigning ex-employees even have to approach courts for justice when the Supreme Court has itself declared the clause by which arrears are being illegally repudiated since 1997, Clause 3 i b to be ultra vires in its 2007 judgment? Beats me! 

                                                 Speak up L.I.C of India!


Do read the full judgment in my forthcoming blog!

**********************************************************************************************************

 P.S. This is a classic case of 'Ulta chor kotwaal to daante!"

L.I.C of India has defrauded the resigning ex-employees of their legally rightful dues, so it must be punished, but our system puts the onus unfairly on the ex-employees who are just asking for payments due to them as they were on the salary rolls of the Corporation, on the date from which wage revisions were declared!

Thursday, 5 August 2021

Does L.I.C of India make sound investments?

 Source: https://theprint.in/economy/lic-has-lost-more-than-rs-20000-crore-in-just-5-psu-stocks-modi-govt-made-it-buy-in-2-yrs/295765/

LIC has lost more than Rs 20,000 crore in just 5 PSU stocks Modi govt made it buy in 2 yrs

India’s largest life insurer LIC has assets of over Rs 31 lakh crore. But value of its investments in firms like New India Assurance, HAL & IDBI Bank has halved.

 24 September, 2019 9:34 am IST

New Delhi: The Life Insurance Corporation of India has often ended up being the lender of last resort to the government.

But some high-profile and large investments made by LIC in the stocks of state-run companies in recent years have eroded in value, even though stock markets overall have grown during this period, an analysis by ThePrint has found.

LIC’s investment in initial public offerings (IPOs) of state-run firms or in share sales of listed PSUs, some accounting for around 50 per cent of the funds raised by the government through these issues, have seen their value halve, analysis of data from stock exchanges shows.

Besides, LIC increasing its stake in IDBI to 51 per cent has not proven to be a prudent buy as the bank has been bleeding due to heavy losses.

LIC, with total assets of more than Rs 31 lakh crore, is the country’s largest life insurer. It has not only bailed the government out through investments in state-owned firms and public sector banks, it has also lent a helping hand to fund-starved sectors like railways, road and power over the last few years.

Data released from the RBI shows that the share of public investments in LIC’s total investment increased to 85 per cent as of March 2019 from 79 per cent as of March 2014.


Also read: LIC put Rs 10.7 lakh cr in PSUs under Modi, almost same as investments in 6 decades to 2014


How each investment has fared

LIC picked up more than 50 per cent of shares offered in the IPOs of state-owned general insurer New India Assurance Company in November 2017. LIC made a total investment of Rs 5,713 crore at an issue price of Rs 800 at the time.

Graphic: Arindam Mukherjee | ThePrint
Graphic: Arindam Mukherjee | ThePrint

However, the value of LIC’s holdings had fallen to Rs 757 crore, down 86 per cent, after the share price fell to Rs 106.85 (23 September 2019).

It’s a similar story for another general insurer, General Insurance Corporation. LIC invested Rs 5,641 crore in GIC in October 2017, but the value of its investments has nearly halved to Rs 2,979 crore at present.

LIC’s investments in three other public-sector IPOs haven’t done well either. It invested Rs 2,843 crore in Hindustan Aeronautics Ltd in March 2018, but the value of its investments has fallen 38 per cent to Rs 1,751 crore. Its relatively smaller investments in MSTC (formerly Metal Scrap Trading Corporation) and Bharat Dynamics are also trading in the red.

Another example is the acquisition of the loss-making state-run IDBI Bank. LIC invested Rs 21,624 crore in the bank to increase its stake to 51 per cent from 8 per cent in September-December 2018. The value of its equity holdings is now Rs 10,967 crore, a fall of 47 per cent in less than a year, after the bank, now classified as a private sector lender, raked up losses amounting to Rs 8,718 crore in just two quarters.

LIC also picked up more than 40 per cent of the shares offered by the government in NTPC in August 2017. It invested around Rs 4,275 crore, but the value of that investment has come down by 30 per cent in the last two years to Rs 3,003 crore.

All in all, LIC has seen the value of its holdings erode by more than Rs 20,000 crore in just five major stocks in roughly two years.

Only two of LIC’s IPO investments in the last two years in state-owned firms are in the green. The IPO investments in Mishra Dhatu Nigam and GRSE (Garden Reach Shipbuilders & Engineers), totalling Rs 246 crore, have not made losses, but the gains are only Rs 50 crore.

LIC did not respond to an email seeking comments until the time of publishing this report.


Also read: Is Modi govt being reasonable or reckless in using LIC to back its ailing public sector?


Friday, 25 June 2021

LIC's IPO

 

Source: https://www.businessinsider.in/business/corporates/news/for-lic-ipo-to-succeed-the-life-insurance-giant-has-to-dump-a-lot-of-sick-stocks/articleshow/73889676.cms

For LIC IPO to succeed, the life insurance giant has to dump a lot of sick stocks

FEB 5, 2020, 11:01 IST
  • Nearly ₹85 of every ₹100 rupees invested by LIC is either government companies or government securities like bonds.

  • In 2010, LIC had to shell out ₹11,500 crore to buy government’s shares of REC, NMDC, and NTPC because other investors weren’t forthcoming.

  • LIC also owns stake in sick state-owned companies like MTNL and SAIL.

The Life Insurance Corporation has bailed the Indian government out many times over the years. But it may not be able to do so, as freely, after the IPO proposed by the Finance Minister Nirmala Sitharaman in her budget speech.

Do read the full article at the link given above. It is an interesting analysis.

Friday, 30 April 2021

International Labor Day - A Day of Reckoning for L.I.C of India

 

This International Labor Day, L.I.C of India must be brought to book!

Dear friends,
                    
                  Today should be the day of reckoning for L.I.C of Indiaour ex-employer, which has unjustly deprived us of our rightful dues, since more than two decades. It must come to its senses today, wake up and undo its wrong-doing towards us. Will this International Labor Day prove to be lucky for us, or just fade away into History like the past ones?                   
All of us must unite and collectively fight for our legal dues, with all our might. 
Let's wake up the sleeping giant!                                                                                                                                                                                                            
Priya

P.S. This post was carried verbatim, last year too, on this day! How many more of such International Labor Days must pass by, for L.I.C of India to come to its senses, undo its wrongdoings and bestow justice; regard the Supreme Court's judgments for a change?        

It's high time that the Prime Minister and the Finance Minister stepped in, to put in a strong word for the long-suffering, resigning ex-employees.        
Now that the concerned agencies are cracking a whip on the white-collar criminals, why not do the same with L.I.C of India? After all, it has been illegally repudiating our dues regularly, since 1997!

Consider this extract from a Supreme Court judgment, in 2007: 


SC - "Proviso of Para 3 is struck sown ultra vires"

 K. S. Raina.                                                                                       -      ------------Petitioner.

                        Versus
Union of India and others.                                                                         --------Respondents.
Coram:
The Hon’ble Mr. Justice Rajiv Sharma, Judge.
Whether approved for reporting?*                                    Yes.
For the Petitioner:                                                  Ms. Ranjana Parmar, Advocate.
For Respondent No. 1:                                         Ms. Shilpa Sood,
Central Government Counsel.
For Respondents No. 2 & 3:                                Mr. Ashwani Sharma, Advocate.
Rajiv Sharma, J.

It has come in the supplementary affidavit filed on behalf of respondent No. 2 that the wage revision of the employees of the nationalized insurance companies follows a periodicity of five years, i.e. 1st August 1987, 1st August 1992, 1st August 1997 and 1st August 2002. Thus, it is evident that in normal circumstances wage revision should have taken place in the year 2002 instead of 2005.

Classification made by the employer on the basis of seeking premature retirement on the basis of two sets of retirement schemes is not sustainable being irrational and discriminatory. 

The petitioner has a constitutional right to get his pay including the revision in the pay scale and it is settled law by law the fundamental rights can neither be waived off nor bartered away.

The action of the respondents is not supported by any rational basis or intelligible differentia.

In the present case the petitioner was in fact in employment as on 1st August 2002, the date from which the Notification (Annexure P-4) dated 21st December 2005 has been made applicable.

Consequently, in view of the observations made above, send proviso of Para 3 of the Notification dated 21st December 2005 is struck sown being ultra vires to the extent it deprives the petitioner and other similarly situated persons to get the benefit of revised pay scale with effect from 1st August 2002 after applying the principle of severability.

According, the petition is allowed. The petitioner is held entitled to get the revised pay scale corresponding to his post he was occupying as on 1st August 2002 till 15th March 2004. The respondents are directed to work out the arrears etc. within six weeks from today.

December 3, 2007                                                                                      (Rajiv Sharma), J.
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Source: Supreme Court and High Court judgments relating to Insurance. 

Monday, 19 April 2021

Broad daylight robbery by L.I.C of India again!


EXCERPT FROM THE GAZETTE OF INDIA

MINISTRY OF FINANCE
(Department of Financial Services)
NOTIFICATION
New Delhi, the 15th April, 2021
G.S.R. 267(E)

(3) These rules shall be applicable to those Class I Officers who were in the whole-time salaried service in the permanent establishment of the Corporation on or after the 1st August, 2017:

Provided that where any Class I Officer gives a notice in writing to the Corporation, within a period as specified by the Corporation, expressing his option to be governed by the provisions of these rules with effect from a date which is not earlier than 1st August, 2017 and not later than the date of publication of this notification in the Official Gazette, then the Corporation may, by order, permit such Officer to be governed by these rules with effect from the said date and no arrears for the period prior to the date so opted shall be payable to such officer:

Provided further that an officer whose resignation had been accepted or whose services had been terminated under rule 39 of Life Insurance Corporation of India (Staff) Rules, 1960 during the period from 1st August, 2017 to the date of publication of this notification in the Official Gazette, shall not be eligible for the arrears on account of revision under these rules.

END OF EXCERPT

**********

Deja vu again!

L.I.C of India, the premier Government owned organization has again included the Clause 3 ii b by which resigning employees' arrears payments will be repudiated again, despite a Supreme Court judgment that has declared this Clause to be ultra vires.

Whom is the Corporation and Government trying to fool? Its stake-holders or the esteemed Supreme Court which can haul them up for repeated Contempt of Court?

Just omitting the nomenclature ii b does not make the said clause legal! It is as illegal and unjust as ever, as it has the exact wordings by which the arrears are blatantly repudiated in contravention of our fundamental right to wages; in each Charter of wage revision since 1997.  The esteemed Supreme Court's judgment of 2007 had declared this Clause 3 ii b to be ultra vires.

Will the Corporation and the Government never ever mend their ways and mete out justice to all of us resigning employees who have been denied our arrears' payments and the corresponding difference in statutory payments like Provident Fund and Gratuity?

Why act 'holier than thou' while bringing other criminals who don't pay their employees, share or debenture-holders or default on their loan or mortgage payments to banks, to book; for their crimes, when you are sweeping your own crime under the proverbial carpet since more than two decades?

 It is just like the pot calling the kettle black!

Not paying us our dues is also a crime, in case you need to be reminded!

It is thus downright shameful that such a Government owned premier insurance organization even thinks of announcing an I.P.O. when it can't be ethical and pay us our dues. This injustice has been going on since 1st August, 1997.

Rest assured, dear long-suffering resigning ex-employees, this crusade will end only when all of us get back our dues with accrued interest!

Isn't it often said, "Bhagwan ke ghar mein der hai, andher nahi!"

Let's trust in God and keep up the josh!

SATYAMEVA JAYATE!

Monday, 15 March 2021

L.I.C of India's IPO - Transparency issues.

Excerpt regarding L.I.C of India's I.P.O

Source: https://theprint.in/opinion/lic-to-tax-charter-budget-2020-wants-india-in-the-big-league-but-offers-mere-quick-fixes/ 

LIC to tax charter: Budget 2020 wants India in the big league, but offers mere quick fixes

Modi government's Budget identifies key reform areas, but a mere window dressing won’t get desired results. There is clear need for deep structural reforms.

 1 February, 2020 6:34 pm IST

The Narendra Modi government’s 2020 Budget made four important announcements that are seemingly unrelated — increase in deposit insurance to Rs 5 lakh from the earlier Rs 1 lakh; commitment to a tax charter that reduces harassment by tax officials; separation of the Trust for government employees from the Pension Fund Regulatory and Development Authority; and the listing of Life Insurance Corporation of India. What is common to these announcements is that they reflect the growing aspirations of an economy trying to break into the big league. But true reform in each of the sectors will only be possible through a fundamental restructuring of the underlying administration.

The Budget has picked on the right questions. But these are not problems that can be solved by tinkering at the edges.

LIC listing

Finally, the Initial Public Offering of the LIC is perhaps the boldest announcement in this Budget. This will only be possible if investors are able to see what is on LIC's books. For example, the LIC would have to tell us the scrip-wise cost of investments over (at least) the last decade, and the current market value of these investments. A lot of this detail today remains unavailable. A move to the new accounting standards, IndAS, will mean that profit will have to be booked as the difference between fair market value (as opposed to the current book value) and actual sale. The Modi government will need to have the appetite to deal with skeletons that may emerge from the LIC's closet and also be ready to lose the all-weather buyer for its own offer for sale and other transactions. This requires serious appetite for reform.

The Modi government now needs to get to the essence of the frictions in each of the sectors, and follow up with deep structural reform that will truly pave the way for the aspirations of a young India.

The author is an associate professor at the National Institute of Public Finance and Policy (NIPFP). Views are personal.


Thursday, 11 February 2021

My R.T.I crusade completes 9 years today.

 To commemorate the completion of nine long years of my R.T.I crusade and ten years of relentless struggle with L.I.C of India, my unjust ex-employer that repudiated my hard-earned wage revision arrears' dues; I am posting my first blog on this forum again. 

Do peruse it fully and post your comments here. Thanks in anticipation. Priya

                                                         Shocking but true!

             
                L.I.C of India betrays its resigning employees’ Good Faith!

It repudiates Arrears’ payment and Difference in Retirement dues to its resigning employees.
   
      The Life Insurance Corporation of India, the number one life insurer in the whole world, has not paid arrears of wage payments and arrears of difference payable under Statutory retirement benefits like Provident Fund and Gratuity, due to its resigning employees; since the 1st of August 1997, as revealed by answers to my RTI application. Revision of the wage bill in the Corporation is done after a period of every five years, but the notification is invariably delayed and the arrears are always paid after a gap of three years after they are actually due.
      The Board of Directors of LIC of India has taken the decision to repudiate the arrears and sent it to the Finance Ministry for approval, though it is a purely administrative decision and not a policy decision. Only policy decisions involving public interest need to be referred to the Finance Ministry. The decision of the Finance Ministry also needs to be analyzed as to why it approved the Corporation’s decisions without due consideration of their legality and Court Judgments on the issue.
     The Corporation has adopted a strategy of depriving its voluntarily resigning employees, that is those who are retiring before twenty years of service, of their legitimate dues by simply resorting to announcement of the notification after inclusion of a clause in a Gazette notified by the Finance Ministry of India, that such employees will not be eligible for payment of arrears. This effectively means that even if a resigning employee has been in service, that is, on roll of the Corporation on the date from which the arrears were effective, he/she will not be eligible to get arrears’ payment. This is illegal as wages are rights of an employee, according to our Indian Constitution and Labor Laws.
     For instance, I had resigned after 18.5 years of service on 2nd July 2010 and the notification for payment of arrears due from 1st August 2007 was announced on 11th October, 2010. Legally, I was entitled to the arrears of difference in my wages from 1st August 2007 to 2nd July 2010 but it was denied on the basis of this Gazette and subsequent Circular’s notification by the Corporation.
      Similarly, the Provident Fund and Gratuity being Statutory retirement benefits, their difference will also have to be paid as per the revised, enhanced wages. All the allowances, perks, etc. would also have to be calculated accordingly and the difference would have to be paid to that resigning employee.
     The Corporation wrongly differentiates between the two classes of voluntarily resigning employees as those who have completed 20 years of service and those who have resigned before completing 20 years of service. The first class is entitled to the Wage Revision Arrears’ Payments and the second class isn’t entitled to it! Since the wage revisions were announced for all the employees of the Corporation, as a class, the Corporation should not deny the benefits to the resigning employees.
     Besides, the Minutes of the Corporation’s Board Meeting with points regarding recommendations made to the Finance Ministry, for repudiation of arrears and retirement benefits; have not been given to me as they are not available with the Corporation! There is also no rationale on record; of this decision by the Corporation, as revealed by the replies received from the Corporation, in response to the RTI Application made by me; to L.I.C of India.
     The Corporation has also replied that the Central Government takes this decision to repudiate arrears’ payments and hence it has repudiated arrears’ and other allied retirement benefits. In fact, it is the Managing Board of Directors of LIC of India, which takes this decision.
     LIC of India has 115 Divisional Offices, 8 Zonal Offices, 9 Audit Centres, MDC and Central Office, as per the RTI replies. The total number of resigning employees whose arrears have been repudiated, since 1997 will be in thousands, and the total repudiated amount since 1997 will surely amount to crores of rupees.
     The Corporation has refused to answer my RTI queries for details regarding the names, addresses, phone numbers and number of employees who have been denied the arrears payments and difference in retirement and other benefits due to them, as also the actual amount repudiated. The Central Office has given a list of 40 resigning employees, for 2010; and given an affidavit dated 4th April, 2014, that no other information apart from that given to me in response to my RTI queries, is on its records.
      Interestingly, it refuses to part with this vital information on the grounds that it does not have this information in a centralized form in its Central Office. This is not true as all the information is sent by all the subsidiary offices of the Corporation to its Central Corporate Office in Mumbai regularly on a monthly basis. The Corporation’s Central Office compiles, consolidates and prepares the Final Trial Balance, Balance sheet and other Accounting Statements on a monthly, quarterly and yearly basis and annually presents the same in the Parliament as it is a Public Sector Organization.
      The Central Office server in its I.T. Department has the entire record of all the employees, (in the form of ‘Employee Masters’) of the Corporation and the details of all the resigning employees of the Corporation are updated as and when they retire from service.
      The Corporation has a highly organized and computerized set-up and all its records are computerized, hence it is hard to believe that it cannot reply to those queries in my RTI Application which pertain to information about such employees who have been short-changed by it; and the mind-boggling amounts involved.
      The amounts repudiated haven’t even been accounted for, by the LIC of India in its books of accounts. Had these arrears payments been made, the Income-tax against these payments would have been sent to the Income-Tax Department. Thus this action of LIC of India has even led to a revenue loss to the Central Government exchequer. The Balance Sheet of LIC of India, a reputed Public Sector organization, will also not reflect the correct picture of its financial status.
      Interestingly, the Gazette notifications G.S.R. 824 (E), 825 (E), 826 (E), 2470 (E), issued by the Ministry of Finance, dated 8th October, 2010; contain a point in their Explanatory Memorandum stating: “It is certified that no employee of the Life Insurance Corporation of India is likely to be affected adversely by the notification being given retrospective effect.”
      Besides, the Supreme Court has already passed a judgment asking the Corporation to pay such arrears to retired employees, in its 2008 judgment. Thus, wasn’t the Corporation guilty of Contempt of Court, if it still persisted in referring to the Finance Ministry for approval, subsequent Gazette notification with the same clause 3 1) b) regarding repudiation of arrears (send proviso of Para 3 of the Notification dated 21st December 2005 is struck sown being ultra vires to the extent it deprives the petitioner and other similarly situated persons to get the benefit of revised pay scale with effect from 1st August 2002 after applying the principle of severability. Supreme Court's decision- Petitioner VS GIC) and then issuing an official Circular dated 11th October, 2010?
      The evasive and lackadaisical response of the Corporation shows that it lacks transparency in its dealings, its records are not maintained properly; it does not follow standard accounting procedures and fair HR practices.
      The Corporation is a trustee of trillions of public money. To its credit, it has been regularly making claim payments to the beneficiaries of its insurance policies, and has the lowest ratio of claims repudiated, in the whole world. Why can’t it play fair with its resigning employees and pay them their dues, gracefully? Is it too much to ask for?
      Hence I request all those employees who have resigned from the Public Sector Insurance companies (LIC, GICs and LICHFL) and not been paid arrears and other retirement benefits and allied dues, to come forward, send their names, phone numbers, e-mail ids, addresses and employment particulars (in these companies), etc. to me; so that we can collectively fight for justice.  You may post your comments and details online on this blog.
      I have also started a new thread of discussion- 'LIC of India repudiates wage arrears' payment'; on the website www.lawyersclubindia.com/Labour and Service law/Service. You may also post your feedback there.
                                                                                   Mrs. Priya Ramesh Swaminathan
                                                                          
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The copyright of this write-up is with Mrs. Priya Ramesh Swaminathan.
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