KNOW THE BREAKUP OF YOUR SPARSH PPO NUMBER

1.The first phase of Migration of Pension from Legacy System to SPARSH was commenced wef 17 November 2021. During this phase around 5 Lakh Post 2016 Defence Pensioners (From Jan 2016 to Aug 2021) were migrated to SPARSH by the end of April 2022. 

From 23 August 2022, the second phase of Migration of Pension started and during this phase the Pre 2016 Defence Pensioners are being migrated to SPARSH. The process of migration is still in progress right now. Some of the Migrated Pensioners have also received e-mail/SMS from SPARSH regarding creation of their SPARSH account, Pensioner Id, Username & Password to login their portal. 

2.  In due course of time, every SPARSH Pensioner will be allotted with a 12 digit Pensioner ID number. It should be kept in mind that, your 12 digit Pensioner ID is your SPARSH PPO No too. Another important fact is that, if you add 01 to your Pensioner ID as Suffix, then this 14 digit number will be your SPARSH Username to login your SPARSH account. 

For example, if your Pensioner ID is 236201500203, then your

SPARSH PPO No is also the same 236201500203 and your Username is

23620150020301.

The Password as forwarded by SPARSH, is a System Generated Password & it should be changed immediately and a  new Strong Password should be created by the Pensioner for the Safety & Security of his SPARSH Account. Ok

3.    Now let's analyse how the SPARSH PPO number has been allotted to the Pensioners. Actually the SPARSH PPO number is assigned in a logical way and here each digit has its own indication. 

4.   The SPARSH PPO No is a 12 digit number. Out of 12 digits, the first three digits ( from L to R) indicate the Service and Category of the Pensioner. Here Service refers to - Army, Navy, Air Force & Defence Civillian and Category refers to - Officer & Personnel Below Officer Rank (PBOR). Details of the same is enumerated below --

101 - Army Officers

102 - Army officers of AMC, RVC, MNS, ADC & TA

201 to 250 - Army PBOR

301 - Navy Officers

401 - Navy PBOR

501 - Air Force Officers

601 - Air Force PBOR

402 - Defence Civilian Officers

701 - IDAS (Indian Defence Accounts Service) Officers

801 - Defence Civilian PBOR. 

5.    For further clarity of the above facts, let's take an example of a SPARSH PPO No, so to say - 236201500203. For better understanding, let's re-arrange the 12 digits of this PPO number as under -

2 36-2015-00203.

(a)    The 1st digit ( 2) indicates the Pensioner is from Army (because 1 & 2 is allotted to Army). And the 2nd & 3rd digit ( 36) indicate the Record office of the Pensioner. Record Offices of the Army have been allotted Code numbers from 01 to 50. In this series, 36 is allotted to AEC Records. Hence 236 indicates that, this PPO belongs to an Army Pensioner & his RO is AEC Records.

Some other Record Offices have been allotted the following codes -

ASC (S) Records - 40

ASC (MT) Records - 41

MEG Records - 22

and so on...... 

(b)     4th to 7th digit ( 2015) indicate the Year of Retirement of the Pensioner. 

(c)     8th to 12th digit, that means the last five digits indicate the Running serial number of PPO. In this case it is 00203

6.   Further, when the first Corrigendum PPO is generated, 01 is added with the PPO number as suffix. 

For Example : 236201500203-01

If second Corrigendum PPO is generated 02 will be added as suffix and so on..... 

7. Action to be taken by Pensioners after getting message from SPARSH :-

(a)   Open the SPARSH Website by typing - sparsh.defencepension.gov.in 

and once the Website is opened, Login to your SPARSH Account by using the valid Username & Password as forwarded to you through email/SMS by SPARSH. 

(b)  Change the Password & create a Strong Password as per the instructions given therein. 

(c)  Next important task is PDV (Pensioner Data Verification). Unless & until your PDV is not completed, you can't proceed into your SPARSH Account. 

(d)  After completion of PDV, check your Pending Personal Data like Aadhaar, PAN, Home address etc. If not updated, complete the same. 

(e) Once your Aadhaar & PAN is updated in your SPARSH Account, submit your DLC (Digital Life Certificate). 

It should be borne in mind that, your DLC can only be submitted successfully in SPARSH, if your Aadhaar has already been updated in your SPARSH Account, otherwise not. 

NOTE:  Being a SPARSH Pensioner of the First Phase Migration, I shared these information out of my experience. If you think, these information may be useful for the newly migrated pensioners, please share this with them.

GIST OF THE SPARSH SEMINAR HELD AT NEW DELHI ON 14th DEC 2022

 Dear Sir,

1. CGDA organised a seminar on SPARSH in New Delhi on 14 Dec 2022. It was  titled Raksha Pension Samadhaan Ayojana. Mr Giridhar Aramane, IAS, Defence Secretary was the Chief guest. The Adjt Gen from Army and his counterparts from Navy and IAF attended the seminar. Secretary Defence Finance also attended the event. Large number of Ex-Servicemen attended the event. YouTube Channel of Sainik Samachar broad cast the event live. The speeches were not very audible. Whatever I could make out from various speeches and power point presentation by Def Accts Dept officers is given in the succeeding paras.

2. The salient features of the presentation made by many is as under: -

(a) Pension shall not be stopped.

(b) All pensioners shall be given a smart card which contains all details like PPO, Pension slip etc.

(c) The Defence Secretary promised that till all the glitches are removed from SPARSH and made it user friendly, it will not be thrust on the pensioners.

Addl CGDA  

3. In his presentation, he covered many aspects of SPARSH.

(a) Thorough planning was done to make migration into SPARSH easy.

(b) Payment of pension shall be done on the last working day through banks from where the pensioner is drawing his pension.

(c) There shall be no delay in disbursal of pension. In the legacy system there was delay in remittance of pension by three to six months.

(d) As on date 19.80 lakh pensioners have been migrated. The present migration is about 1 lakh new pensioners per month.

 

(e) Commencement of Migration.

Service Date of Migration No of Pensioners Migrated No of Pensioners sanctioned pension Percentage of Migration (in%) No of Pensioners

Received Pension

Army Aug 2021 70,021 68,860 99.77 68581

Navy Jun 2021 4,068 3,972 97.81 1,541

IAF Feb 2021 10,371 10,209 98.40 10,154

Def  Civilians Oct 2020 26,341 25,826 98.04 26,062

4. Problems Encountered.

 (a) Data in PPOs of earlier retires of pre – 1960 are illegible.

(b) Identification of pensioners – Very difficult.

(c) 1 lakh Gurkha pensioners are not yet migrated.

(d) Aadhaar Card and mobile nos were not supplied by banks and other PDAs in some cases.

(e) Wrong payment of commutation was detected.

(f) 40% of pensioners were not paid correct pension (by banks/treasuries).

(g) Unless data of those not yet migrated, further migration is put on hold.

(h) User id and password will be given within 15 days of migration.

(j) ECHS sought to be integrated with SPARSH.

(k) Grievances can be sent in five modes like email, SMS, WhatsApp, Call centre of PCDA (Pensions), from home, through CSCs / Banks etc.

(l) CGDA concluded MOU with CSCs. Initially it was only 1,100 but expanded to 4.70 lakhs such that every village has CSC.

(m) SBI, PNB, Bank of Baroda, HDFC, DIAV, Record Offices are connected for easy transfer of data / grievances. Banks also will act as SPARSH nodal centres.

(m) Smart Card will be issued to all pensioners containing all data. It can be used for availing benefits offered by Railways, Airlines, CSD, telecoms companies, interest subsidy offered by banks / State govts, concession offered in any type of purchase, home loans by banks etc.

Mr Himanshu Tripathi, Dy CDA from Office of PCDA (Pensions) Prayagraj

5. SPARSH  is a learning process for the Def Accts Dept staff. The software of SPARSH is being improved with receipt of inputs from social medial, YouTube channels, Ex-Servicemen Associations and Ex-Servicemen who lodge grievances. 

6. Annual Life Certificate (ALC). Many complained though they submitted life certificate from banks no acknowledgment is given to them. The Min of Def is kind enough to extend period of submission of ALC from one month (November) to three months (till 31 Jan 2023). As on date the SPARSH received the following number of ALCs and the same have been uploaded into SPARSH.

(a) Jeevan Pramaan - 7,50,000

(b) DLC - 71,600

(c) MLC - 40,500

(d) Date of Submission. Pensioner has now the freedom to submit his ALC any month of his choice and it is not restricted to November only.

7. Data Collected from Banks and other PDAs out of 20 lakh Pensioners.

 (a) Aadhaar Cards - 17,30,000

 (b) PAN Cards - 13,84,000

 (c) Mobile Nos - 18,77,000

 (d) The data will continue to be collected every month till all 33 lakh pensioners are migrated.

(e) Updating Mobile Nos, Email Address, Postal Address etc. Provision has been made in the software by which the pensioner can update his mobile no, Email Address and postal address.

(d) 2,50,000 pensioners do not have Aadhaar cards.

(e) Status of Migration. Pensioner can see whether he is migrated to SPARSH or not by going into portal of SPARSH. A link is given where one has to enter his Aadhaar No / mobile no / service no etc.

(f) SMS will be sent once a pensioner is migrated.

(g) Pension will be credited only on the last working day.

(h) Identification of defence civilians like in MES, BRO, Ordnance Factories, Civilians working in various Armed Forces establishments like Army Base workshops, CODs, CADs, formation HQs, Ministry of Defence etc has become problematic.

(j) Pension slips of banks is different. Hence delay in standardising all of them.

(k) Issue of Corr PPOs is delayed. But the same is being expedited.

(l) Income Tax Deduction. There are problems in deducting correct income tax. More work is required to deduct correct amount of income tax.

(m) NRIs. Now NRIs can submit their annual life certificate after it is issued by Indian embassy / high commission/ consulate through email.

(n) Dedicated YouTube Channel.  Pensioners are advised to watch the videos on various aspects of SPARSH. There are some channels gives incorrect or deliberately wrong information about SPARSH.

Mr Vijay Kumar Singh, IAS, Secretary, Min of Def.

8. He covered the following issues.

(a) Speed of migration is fast hence many errors have crept in.

(b) CPENGRMS give us many complaints from pensioners.

(c) CSCs which are in villages are to be strengthened for defence pensions.

Mr Giridhar Aramane, IAS, Defence Secretary

9. He covered the following point in his address to the participants.

(a) 2 crore farmers were given Direct Benefit Transfer of financial assistance by seeking three data viz (i) Mobile no (ii) bank account no (iii) Aadhar No. The data was collected in just six months from 30 States and Union Territories.

(b) Not understood why Aadhaar name is asked from the pensioners. It should have been  Aadhaar Number which is unique to the pensioners. The mobile no, service no and bank account no are unique. This has caused lot of anguish and unrest among the pensioners. TCS should modify their software.

(c) He promised that unless all problems in SPARSH being faced by the pensioners, it will not become mandatory.

(d) SPARSH should be more user friendly.

(e) Lt Gen Ponnappa, Adjt Gen met him and gave out list of problems pensioners are facing in SPARSH. Data rectification is not being done in SPARSH.

(f) Def Accts Dept is one of the oldest Government departments and has lot of experience.

(g) TCS and SPARSH team should work to resolve the problems of pensioners facing in use of SPARSH.

(h) There is a need for Defence Secretary, Secretary Def Min (ESW),  CGDA to sit and work together to sort out all problems faced by pensioners in SPARSH.

(j) Defence Secretary will to monitor progress of SPARSH.

Warm regards,

Brig CS  Vidyasagar (Retd(

Camp: PCDA (Pensions) Prayagraj

Date : 15 Dec 2022

Minutes of Meeting held on 30.07.2021 under Chairmanship of Secretary (ESW) with ESM Association

 Ministry of Defence

Department of Ex-servicemen Welfare

Subject: Record of Discussions of the Meeting held on 30.07.2021 under the Chairmanship a of Secretary (ESW) with Representatives of 05 Recognized Associations of ESM.

A meeting was held on 30.07.2021 under the Chairmanship of Secretary (ESW) with Representatives of 05 Recognized Associations of ESM to discuss grievances/ welfare issues of Ex-Servicemen(ESM) .

2. The meeting started with opening remarks by Shri B. Anand , Secretary (ESW). Secretary (ESW) categorically stated that he is open to suggestions and innovative ideas which can positively impact the lives of ESM. The suggestions and ideas will be examined to improve the lot of community of ESM who have served the Nation while risking their lives. He , then , invited the representative of ESM Associations to speak one by one.

3. Brig Kartar Singh, President of the Indian Ex-Services League on behalf of representatives of all 05 associations stated that they have some 9 common points for consideration of DESW and its attached offices namely DGR ,KSB & ECHS. These 9 common points are as under:-

(i) Revision of their pension under OROP from 01st July 2019, i.e on competition of 05 years of the orders of DESW.

(ii) Setting up of Veteran Commission.

(iii) Setting up of ECHS veterans hospitals.

(iv) OROP of Majors ( denial of pension of full service to Majors).

(v) Uniform MSP for lower functionaries/ PBORs.

(vi) Special pension to War veterans.

(vii) Centralized pension disbursal system.

(viii) Awards of war Ex-Gratia to SSCOs/ ECOs.

(ix) Financial assistance to recognized ESM associations.

4 Thereafter, Gp. Capt. Ashok Sethi, Secretary of the Airforce Association spoke at length and raised the following issues :-

(i) Shortage of medicines in the ECHS empanelled hospitals coupled with inadequacy of funds for local purchase of medicines.

(ii) Empanelment of local civil chemists needs to be done on lines similar to empanelment of hospitals/ diagnostic facilities to provide cash less service. Frequent withdrawal / Non empanelment of hospitals/diagnostic facilities. Some of the smaller cities have no empaneled hospitals.

(iii) Lateral employment of ESM in Para-military forces and other Govt. /Semi-Govt. Departments.

(iv) Non utilization of skilled ESM for Nation building.

(v) Under utilization of vacancies reserved for ESM in Central/ State Govt./PSUs/Autonomous Bodies.

5 Intervening Air Marshal Jagjeet Singh added the following additional suggestions for consideration of Secy(ESW).

(i) Delayed issuance of Corrigendum PPOs in respect of past pensioners. It is imperative that whenever the pension is revised, a Corrigendum PPO must be issues promptly.

(ii) Undue delay in resolution of grievances. specially relating to pensionary matters.

(iii) Restoration of supply of directly imported items in CSD.

(iv) Revision of OROP w.ef 01 Jul 2019.

(v) Formation of Veterans’ Commission.

(vi) Convening of Standing Committee of Welfare of ESM. |

6. Shri L Jagan Reddy and Shri V. N. Mishra of National Ex-Servicemen Coordination Committee (NExCC) also raised some issues aS given here under.-

(i) Provisioning of Testing Equipment to MH Secunderabad.

(ii) Re-consideration of grant of dual family pension from Military as well as civil authority to the widows of Re-employed Ex-Servicemen of the West Bengal.

(iii) Denial of CSD Smart Card and Disability pension to Ex-Senvemene-6304624 Ex-Servicemen Dauita Venkata Subbavadhan

(iv) Pay fixation of Ex-Servicemen on their Re-employment in Govt. Departments, PSUs, P.S. Banks and other Govt agencies of Stale Govt.

(v) Sanction of in sufficient funds for ECHS resulting hardship to beneficiaries.

(vi) Provision of ECHS Polyclinic facilities to veterans / veer naries & dependents.

(vii) Non-stoppage of FMA and lumpsum recovery from ECHS beneficiaries

(viii) Non- availability of medicines at ECHS polyclinics

(ix) Covid treatment reimbursement

(x) Funding of ECHS.

(xi) Request for arranging legitimate cashless medical treatment to the ECHS beneficiaries in Tripura state.

(xii) Waiver of last 10 months pay rule consideration for pension.

{xiii) Concordance tables prepaid by CGDA for implementation of option 1 of 7th CPC.

(xiv) Non-payment of arrears of revision of pension of pre-01-01-2006 retiree Havildars granted Hony Rank of Nb Subedar

7. Col. Ajit Singh Rana and Brig. Narender Singh of the Disabled War Veterans (DIWAVE) raised the following issues for consideration of DESW and other stake holders:-

(i) Priority/ Preference to War Disabled Ex-Servicemen in allotment of DGR Schemes.

(ii) Denial of OROP benefit to some ranks of Disabled War Veterans and non-implementation of OMJC report.

(iii) Inclusion of War Injury Element in Family Pension for Widows of the War Disabled.

(iv) Separate Cell in PCDA(P) for War injured and War Widows dealing with WI/ disability pensions and War Widow pensions.

(v) Priority for Reservation/ preference to Wards of War disabled soldiers / battle Causalities retained in service in admission.

(vi) Allotment of funds to DIWAVE from Flag Day Fund.

8. Secy(ESW) asked MD, ECHS to clarify Issues raised by all 06 associations relating to ECHS, MD, ECHS stated the following:-

• • Establishment of Veterans Hospital to be managed by the Service Specialists and Armed Forces. MD ECHS informed that the proposal was considered but not found financially feasible. However a proposal to have a veterans wing In the Service Hospitals is under consideration.
  • Non- availability of Medicines In ECHS Polyclinics, MD ECHS informed that the issue is genuine and efforts are being done to make all the medicines available through the Authorized Local Chemists and Jan Aushadh| Kondras, Secy ESW suggested to explore the possibility of tie ups with e-commerce pharmacies for home delivery of these medicines so that the ESMs don’t have {to run from one place to another to get their medicines.
  • Delay in reimbursement of Bills In ECHS. MD ECHS informed that necessary steps are being taken to ensure that the bills are processed at the ECHS Polyclinics in a day or two and the claims are paid within a week. The issue is genuine and efforts are being done to make all the medicines available through the Authorized Local Chemists and Jan Aushadhi kendras.
  • Non-Empanelment of Hospitals in ECHS. MD ECHS informed that necessary steps are being taken to ensure that more hospitals especially in tier-II and Ill cities/ smaller towns are encouraged to empanel their hospitals with ECHS. This may include giving certain relaxations in their NABH/QCI certifications etc. Secy ESW also stressed the need to leverage tie-ups with the reputed private hospitals and their branches by making the ECHS rates attractive for them, including tele-medicine through such reputed private hospitals.
  • Superspeciality Facility at _MH Secunderabad. MD ECHS informed that the equipment/facilities for urology have been procured and made operative and the equipment for neurology will also be operational shortly.
  • COVID treatment re-imbursement: MD ECHS informed that the cases will be examined sympathetically for those who have incurred more expenses during the pandemic when they had to visit the non-empaneled hospitals for treatment in emergency.
  • COVID-19 Pandemic Problems faced by ESMs in treatment. MD ECHS informed that the Covid-19 pandemic has been an unprecedented situation for all the Health Care Organizations of the Country and all out efforts were made by ECHS to ensure proper treatment to the ECHS beneficiaries. The members of the ESM Associations present applauded the efforts of the ECHS authorities during the above crises wherein special measures were taken to ensure timely treatment to the ESMs and their dependents.

9. Representatives of all 05 ESM associations also raised the following pension related issues:.-

a) Implementation of next revision of pension under OROP :- Secretary (ESW) informed that policy on OROP issued vide Govt. of India letter No. 12(1)/2014/D(Pen/Pol)-Part dated 07.11.2015 is subjudice in the Hon’ble Supreme Court. Nevertheless, all the representatives of a Associations requested to implement the next revision of pension under OROP, due from 01.07.2019, on the basis of methodology adopted vide MoD letter dated 07.11.2015. They also a informed that none of the associations present in the meeting are parties in the court case filed before Hon’ble Supreme Court. They further requested that Govt. should announce about Bo implementation of OROP w.e.f. 01.07.2019.

b) Revision of Pension of Majors and equivalent rank under OROP: Association representatives informed that anomalies exist in the pension of Majors and equivalent ranks under OROP. They informed that Major and equivalent ranks with more than 22 years of qualifying service have been given the pension of 22 years retirees under OROP as data above 22 years retirees were not available. As such, Major and equivalent ranks Officers have not got the benefit of OROP revision.
Association representatives also requested to remove the cut off date of 01.01.1900 mentioned In MoD letter. Director (Pen/Legal) informed that Hon’ble Supreme Court has upheld the order of MoD on the issue. The Writ petition filed by Shri Sushil Kumar Jain has already been dismissed by the Hon’ble Supreme Court.

c) Military Service Pay (MSP) :- Association representatives requested to enhance MSP for JOOs and grant benefits of MSP to all the ranks. JS (ESW) informed that this is a pay issue which could  be handled by Deptt. of Military Affairs (DMA).

d) Protection of pension of Major General and above :- Association representatives informed that since MSP is not granted to Major General and above, there are instances that these Officers are getting less pension than their juniors. Joint CGDA informed that in the Govt. order there is a protection that Senior Officers must not get less pension than their juniors.

e) SPARSH :- Some representative of Associations expressed concerns about efficacy of SPARSH particularly in respect of Army Personnel who are residing in the remote areas and are Not well educated. JS (ESW) and Joint CGDA informed that their concerns have already been taken into account in the implementation of SPARSH. Secretary (ESW) also stated that during the presentation on SPARSH before him, he was informed that SPARSHI will be beneficial for all the Armed Forces Personnel. Over the time, it will reduce the Pension Grievances, Gp. Captain, DAV informed that so far as Air-Force is concerned, SPARSH is working very smoothly though there are some issues which are being addressed.

f) Association representatives requested that any revision of pension should be followed by revised

g) Hony Nb Sub Case :- Association representatives also requested to remove the anomalies which exist between pre-2006 and post-2006 HNS retirees.

h) Neither attributable to nor aggravated (NANA) by Service cases :- One Association requested that grant of disability pension should be considered liberally.

i) Representative of Disabled War Veterans (DIWAVE) also raised the following additional issues :-

a) OROP II should be implemented at least for the disabled war veterans.
b) Govt. letter dated 24.02.1972 should be implemented in letter and spirit.
c) Boarded out Ex-Cadets should be given ESM status and disability pension.
d) Widows of war disabled should be given enhanced family pension.
e) A special cell should be established at PCDA (P), Allahabad office to deal with battle casualties,

10. Thereafter, DGR was asked to clarify issues relating to re-settlement and reservation raised by the associations. DGR clarified the following:-

(i) Consequent to 6th CPC, posts in Gp ‘D’ have been upgraded/ merged with Gp “C’ and similarly some posts have been upgraded/merged with Gp ‘B’ , DGR /DESW has accordingly taken up the case with DOP&T for revision of ESM reservation quota in Gp ‘B’ 10% and Gp. ‘C’ 20%.

(ii) Quota for Disabled ESM along with dependents of ESM killed in action has been fixed 4.5% out of 14.5% in Gp. ‘C’ and 4.5% out of 24.5% in Gp. ‘D’ in Banks and CPSEs.
Apart from this, priority for allotment is accorded by Oil marketing companies in allotment of petrol Pump & LPG gas agency.

(iii) Re-settlement Course:- there is a limited number of job vacancies that can be filled by our ESM( both through Re-settlement schemes & skill development training) enabling them to qualify for Govt/ civil/Corporate jobs. Efforts are underway to increase capacity to generate jobs.

11. Thereupon, Secy, KSB was asked by Secy(ESW) to clarify issue relating to Inter-se priority for reservation/preference to the wards of Armed Forces Personnel by States/UTs for admission in Medical/Professional/Non-Professional courses raised by the associations. Secy, KSB stated that the issue may be re-examined/ reconsidered and processed on file.

12, Secy(ESW) also desired to examine all the issues and process on file for his perusal / decision. All concerned Divisional heads to take prompt action in consultation with DGR, KSB, ECHS, CGDA & Def(Fin).

13. Brig Kartar Singh of Indian Ex-Servicemen League thanked Secretary (ESV) for his prompt action and positive attitude towards ESM and their grievances on behalf of all 05 associations and stated that they look forward to early resolution of pending matters and many more meetings in future.

14. The meeting ended with a vote of thanks to the chair.

PRESENCE OF UNPRECEDENTED CONSOLIDATION OF EX-SERVICEMEN VOTES IN HIMACHAL

 Himachal is a state which has maximum number Ex-servicemen Population. This sizable number of ESM voters were taken for granted by the Party in Power in the recently concluded state election since they were traditionally ruling Party voters. Unlike other states the Ex-servicemen electorate is a decisive factor in Himachal. The Ruling Party underestimated their Sentiments, ensured their defeat which otherwise should have been avoided if proper attention were given to their problems. The Non-Implementation of OROP revision as ordered by HSC & the fear sycosis in the minds of Ex-servicemen folk due to Stoppage Pension on account of improper Implementation of the new Defence Pension System known as SPARSH earned their anger which compelled them for a different voting pattern. Hence it is obvious that there was a consolidation of Ex-servicemen votes in Himachal which may spread to other states if the legitimate grievances of Ex-servicemen were not addressed.

INSTRUCTIONS FOR SPARSH MIGRATED VETERANS FOR SUBMISSION OF LIFE CERTIFICATE

LIFE CERTIFICATE- CLARIFICATION BY PCDA ( SPARSH) ALLAHABAD

SPARSH PPO GENERATED FOR OROP II PAYMENT TO HAV Y GROUP

NEW GUIDELINES FOR SUBMISSION OF SPARSH LIFE CERTIFICATE

PCDA SPEAKING ORDER FOR SPARSH PROBLEMS