Gratuity at higher rate for service exceeding 30 years. For banker

For bankers who have retired after service exceeding 30 years, refer the judgement dt.01.09.25 in favour of a retired Central Bank of India Bank SM for payment of Gratuity at higher rate for service exceeding 30 years.

Expected DA From Aug'26 for Bankers is minimum 26 slab maximum 31 slab

Expected DA Calculation Updated on 29.05.26 on the basis of CPI for the month of Apr'26 with the assumptions of CPI for the months of May'26 & Jun'26. The CPI for the month of Apr'26 announced on 29.05.26 as 149.9 with an increase of 0.80 points from Mar'26. (as per revised base year 2016) (The base year was changed from Oct 2020)

1. Keeping in view of recent CPI announced , we may assume there would be an increase in CPI index by 1.20 points in the next both months. Accordingly, on this assumption, we may expect there would be an increase of 2.37% DA in terms of 12^th BPS on revised pay. Total 28.07% DA will become payable from Aug'26.
2. On assumptions if there is an increase in CPI index by 0.90 points in the next both months, we may expect there would be be an increase of 2.07% DA in terms of 12^th BPS on revised pay. Total 27.77 percentage of DA will become payable from Aug'26.
3. On assumptions if there is an increase in CPI index by 0.70 points in the next both months, we may expect there would be be an increase of 1.97% DA in terms of 12^th BPS on revised pay. Total 27.67 percentage of DA will become payable from Aug'26.

Target Current accounts

Target Current accounts 

Yes private banks are targeting the Current accounts heavily and Public sector banks are struggling to retain the Current accounts. 

Wonder 1 

Three years back only in Five states the Current account deposits of Private Banks were more than the Govt Banks. Now as at 30-9-2025 it happened in 10 stares . It increased to 13 states as at 31-3-2026.  

Let us see the details state wise :

Rs. In crore 

State.              Govt Banks.  Private Banks 

Haryana.             16,405.      58,580

Karnataka.         63,849.   1,10,183

Delhi.                  86 ,354.   1,00,061

Uttara Pradesh  65, 387.      66,935

Maharashtra  2,32,498.     3,55,875 ( this dominance is horrible). 

Gujarat.              49,247.        85,834

Tamilnadu.       61,050.        81,234

Telangana.       47,758.        50,681

West Bengal.  40,995.         51,335

Jammu Kashmir  1,619.    16,366 ( Thanks to Jammu and Kashmir Bank )

Kerala.              20,590.         32,487

Rajasthan.       24,907.         25,824

Punjab.            12,885.         17,061 

Wonder 2 

In Savings Bank account ( SB) deposits also Private Banks garnered more business in Karnataka state.  

SB deposits.   1,42,637.   2,37,893 

More than 60 % of  Bangalore employees are dealing with Private Banks as per assessment.  

Competition 

Delhi.               2,12,609.     1,92,504

Maharashtra  5,33,760.     4,31,298

Telangana.     1,57,364.      1,23,351

  Wonder 3 

Huge competition in Metro centres 

Branches.      17,816.          14,364

Deposits.    66,51, 057.    58,82,876

Advances.  54,65,572.     48,94,526 

As per the data available more people are preferring Term deposits with Govt Banks and hence  total deposits are more than Private Banks ' total deposits.  

Wonder 4

In Advances also Govt Banks lead in above 100 crore limits to Corporate borrowers as compared to private Banks.  Private Banks are leading in Advances from Rs.1 crore 25 crore range over the Govt Banks.  

Rs.in crore.       GOVT.         PRIVATE 

Limit

1to upto 4.       6,46,112.   .    10,48,935

4 to upto 6.     1,75,905.           3,18,464

6 to upto 10.   2,03,251.           3,53,056

10 to upto 25. 3,22,223.           5,52,575

25 to 100.        5,28,340.           7,69,250

Above 100.    41,11,137.        13,57,114

Advances.   113,34,415.      84,44,603 

Government Banks deposits growth in FY 2025-26 was 9.80% and that of the Private Banks was 13% . Credit growth of Government Banks was 16.1% and in Private Banks it was 12.3% in FY 2025-26.  

WONDER 5 

TOTAL ADVANCES IN STATE on 31-3-2026 

Rs.in Crore 

State.              Govt Banks.  Private Banks 

Maharashtra  27,40,506.     28,39,515

Gujarat.             5,45,321.        5,70,325

Haryana.          2,57,549.        3,69,371

Jammu Kashmir 27,988.         87,392 

Tough competition 

Karnataka.     7,22,598.        5,68,905

Punjab.           2,22,276.        1,87,975

Tamilnadu.   11,15,573.       7,50,298 

common Charter Of Demands (COD) of BANK PENSIONERS (13th BPS wef 01-11-2027):* (21-05-2026)

FIRST TIME IN VANKING INDUSTRY

*common Charter Of Demands (COD) of BANK PENSIONERS (13th BPS wef 01-11-2027):* (21-05-2026)

* First Time in Banking History

* To be submitted to IBA by CBPRO in Jun/Jul 2026

*ALL BANKS:*

1. *IBA Direct Talk with Pensioners:* Associations (CBPRO) for Pensioners issues

2. *Pension Updation on RBI line:* (RBI: 2019, 2023 & 2026) for ALL BPS (Past, Present & Future)

3. *ADDL PENSION:*

Age 65 - 5%, 70 - 10%, 75 - 15%, 80- 20%, 85 - 30%, 90 - 40%, 95 - 50% & 100 - 100%

4. *Common QTLY DA (Base yr: 2016, not 1960) for ALL:*

Merger of DA@8088 (Serving, Retd: Pre Nov 2022 & Retd: Post Nov 2022)

5. *100% DA Neutralisation:* wef 2005 instead of 01-10-2023 (Retd: Pre 2002)

6. *BASIC PENSION Calculation: LAST PAY* or 12/10m Avg pay,  whichever is *higher*.

7. *Min Basic Pen:* Anomaly 

Pre 86 Retd: 10,000

Post 86 Retd: Actual (Less than 10,000)

8. *Basic Pension for SPL ALLOWANCE:* wef 01-11-2012 (10th BPS)

9. *Anomaly: 10th BPS*

Retd Apr 2015: 

STAG taken for last 12m

Retd (May 2015 to Mar 2016): STAG not taken for last 12m

10. *Anomaly: 11th BPS*

AGM STAG (11th BPS): wef 01-11-2020 instead of 01-11-2017

AGM STAG (12th BPS): wef 01-11-2017 instead of 01-11-2020

11. *Tax Excemption Limit - 8 Mon PL - LEAVE ENCASHMENT*@Retirement: 10 Lac to 25 Lac wef 01-04-2016 (Central) instead of 01-04-2023

12. *GRATUITY:* 3 Lac to 10 Lac wef 01-01-2006 (Central, 6th CPC) instead of 24-05-2010.

13. *GRATUITY:* 10 Lac to 20 Lac wef 01-01-2016 (Central, 7th CPC) instead of 29-03-2018.

14. *GRATUITY:* 20 Lac to 25 Lac wef 01-01-2024 (Central)

15. *GRATUITY Calculation Method:*

Include DA, Spl Allow, Above 30 yrs: 45 days per month, Calc: 26 days/Mon, not 30 days/Mon

16. *COMMUTATION RECOVERY:* 15 yrs to 12/10 yrs

*SBI:*

1. *SPL PAY for OFFICER PENSIONERS (6250 + DA) wef 01-11-2017:*  instead of 01-08-2024. Dy Mgr & CM same Pension (12th BPS) anomaly (Affected: 22%, 50000 out of 230000 Pensioners)

2. *50% Pension wef 01-03-1999:* instead of 10-11-2023

3. *Commutation Factor:* 6.60 to 8.194 (PSB)

TOP BANKS BY BRANCH NETWORK

Profiteering Govt Banks vs pvt bank

Profiteering Govt Banks 

The net profit of 12Government Banks is increasing steadily led by State Bank of India.  

Rs.in Crore.     Net profit after tax 

FY 2021-22.           66,543

FY 2022-23.        1,04,649

FY 2023-24.        1,41,202

FY. 2024-25.       1,78,364

FY 2025-26.        1,98,210

However Punjab Sind Bank, UCO Bank are not growing due to huge NPAs and Fresh Slippage of accounts to NPA.  Except SBI other Government Banks are doing more business in Rural areas and Semi Urban centres.  

There is very huge competition from Private and Foreign Banks in all 46 Metro centres having population of above 10 lakh people.  

Net profit of Government Banks in FY 2025-26 was as under : 

Rs. In crore

State Bank.                   80,032

Bank of Baroda.           20,201

Canara Bank.                19,187

Union Bank of India.    18,697

Punjab National Bank 16,904

Indian Bank.                  12,156

Bank of India.               10,527

Bank of Maharashtra    7,019

Indian Overseas Bank  5,208

Central Bank of India.   4,531

UCO Bank.                       2,768

Punjab Sind Bank.        1,322

Private Banks top 11 new ( out of 21)

HDFC Bank.            74,672

ICICI Bank.              50,147

Axis Bank.               24,457

Kotak Mahindra.    19,288

IDBI Bank.                  9,513

Federal Bank.            4,117

Yes Bank.                   3,476

IDFC First Bank.       1,636

Bandhan Bank.         1,224

Indusind Bank.            889

RBL Bank.                     822

The fallout of Indusind Bank from 5th Private bank to last position in last year is a eye opener for Private Banks.  Let us hope it recovers this year. 

However Yes Bank and IDBI Bank  shown Good Turnaround.  Good feature it was. 

IDFC First Bank shown huge percentage growth in Deposit Mobilisation  and 

Advances  but margin of profit was less. 

AU Small Finance Bank Rs. 2,641 crore profit is another good feature.  Now it is becoming a Global Bank,  how it improves to be seen now? 

Mega merger in Bank Again