Why commutation of Pension is restored after 15 years ?

Why commutation of Pension is restored after 15 years ? Commutation of pension started as a welfare measure. For those retired before 2.09 2008 it is recovered with interest in 12.08 yrs. While for those retired after 2.09.2008 it is recovered in 10.194 yrs ( 8.194 yrs principle & 2 yrs Intt) then why Govt continue to deduct for 15 yrs. Is it not unjust enrichment by Govt at the cost of senior citizens? Fixing of 15 years recovery is arbitrary and without any mathematical calculations. Govt.says mortality factor is taken into account.Because after death recovery is to be waived off. But it is not true because after death , family pension is just halved after 7 yrs from date of retirement . Before 2008 Govt was charging intt. Of 4.75% but after 2008 they are charging market rate of 8%. So where it remained a social welfare measure? Then life expectancy is increasing and interest rate r falling, after increase of age of retirement from 58 to 60 and new commutation formula Govt.liability has decreased by 16.5 %, commutation factor came down from 10.86 to 9.81to 8.194 Should the benefits be not passed on to Retired senior citizens. Recently FORIPSO, a retired IPS officers forum has filed IPL in Delhi High Court and high court has asked the Govt to file basis of calculation of 15 Years. Case is pending. Should Bank's union also file PIL against Govt for this unethical & immoral loot by Govt by charging higher intt. Rate and continue to deduct illegaly from pension of poor senior citizen even after full payment of Principle & intt. In 10.194 years & hence for reduction of 15 years period for restoration of full pension.

Poor pensioner hit from all sides. When all these injustices will end

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