Expected DA for Banker From Nov 21 to January 22 minimum 38 slab maximum 46 slab

 Expected DA Calculation Updated on 31.08.2021 on the basis of CPI for the month of Jul'21 that announced on 31.08.21 (there is an increase of just 1.10 points as per revised base year 2016 (base year changed from Oct 2020) with assumptions of CPI for next two months i.e. Aug & Sep 2021 as under:-

1. On assumptions if there is an increase of 0.80 of CPI in next both months. Keeping in view on going increase in fuel price and prices of other commonly required items which has made more and more difficult to manage family budget in the present covid crises. Accordingly, on this assumption we may expect there would be an increase of 46 slabs and the total tentatively revised DA slabs would be 443 i.e. 31.01% in terms of 11th BPS.
2. On assumptions if there is an increase of 0.60 points in CPI in next both months. On the basis of this assumption, we may expect there would be an increase of 43 slabs and the total tentatively revised DA slabs would be 440 i.e. 30.80% in terms of 11th BPS.
3. On assumptions if there is an increase of 0.50 points in in CPI in next both months. On the basis of this assumption, we may expect there would be an increase of 41 slabs and the total tentatively revised DA slabs would be 438 i.e. 30.66% in terms of 11th BP

How to Spend Your Money for Maximum Happiness

              The idea that materialistic values can obstruct our path to happiness dates back hundreds of years. The Buddha encouraged a balance between asceticism and pleasure; early Christian monasticism preached spiritual transformation through simple living; philosopher Lao Tzu warned that if you chase after money, “your heart will never unclench.”

Centuries later, the question of whether money can bring us happiness remains a subject of intense debate. After all, as our culture of consumption expands exponentially, our lives increasingly revolve around money—earning it, spending it, and saving it.

Consider the numbers. Between 1901 and 2003, U.S. household spending increased 53-fold, from $769 to $40,748 (that’s $2,000 in 1901 dollars). And what we spend on has also changed. Today, the average American family spends about 50 percent of their income on necessities like food and shelter, compared to almost 80 percent in 1901. That means more discretionary spending on consumer goods and services, including the 11.3 million tons of clothing and 27 millions tons of plastics that end up in U.S. landfills every year.

But though the things we buy might make us happy in the moment, that feeling atrophies over time. It’s what psychologists call the “hedonic treadmill,” says Amit Kumar, an assistant professor of marketing and psychology at the University of Texas at Austin, whose research focuses on the science of happiness. “We get used to things that we have, and when new, shiny things are advertised, we feel like we need to keep getting more stuff to maintain those feelings.”   

 

So does money bring us happiness, or is it the root of our misery? It’s complicated. Financial security certainly influences our well-being when it comes to satisfying our basic needs and standard of living, but in general, research shows affluence is a weak predictor of happiness.

What most experts can agree on is this: there are ways to spend our money that are more likely to elicit joy. So next time a commercial has you itching to pull out your wallet, hit pause and consider these three tips on where to invest your cash.

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Time is Precious—Buy Yourself Some More of It

We can send messages anywhere in the world instantly, travel across oceans in a matter of hours, and get almost anything we can dream of hand-delivered to our doorsteps within days. And yet despite our ability to do nearly everything faster and more efficiently, people across all income levels report experiencing a phenomenon known as time famine.

“It isn’t necessarily how busy your calendar is, but rather the internal state of anxiety and concern that you don’t have enough time to do the things you want to do,” Kumar explains.

Time famine isn’t just an existential crisis—it can have real consequences on our health. Research shows that people who feel time-constrained are more stressed, less likely to spend time helping others, and less active. It’s also one of the main reasons people give to explain why they’re not exercising regularly or eating well.

But receiving social support may protect us from the negative consequences of time stress, a concept psychologists call the buffering hypothesis. According to this theory, buying time—by doing things like hiring a house cleaning service instead of tidying up, ordering takeout instead of cooking, or paying extra for a direct flight—can increase our sense of control and, ultimately, our feelings of well-being.

The caveat? The amount of disposable income we have makes a difference when it comes to buying time. If paying someone to clean your house means cutting your grocery budget for the week in half, those hours of reclaimed free time won’t pack the same punch as they might if they were funded by spare change.

We’re also less likely to benefit from buying time when we focus on its economic value—something we’re more likely to do if we have less cash to go around. For example, research shows that hourly-wage workers tend to apply “mental accounting rules” to their time, which can affect how they budget it and how much they enjoy it. In a series of 2012 experiments, psychologists found that when participants were primed to think of their time as carrying monetary value, they were more impatient and experienced less pleasure during leisure activities like listening to music.

Another review of 165 studies from 18 countries yielded two major findings. First, that focusing on finances isn’t all bad. Money-focused individuals are indeed productive—reminding people about money motivates them to exert extra effort on challenging tasks, to put in longer hours, and to perform better. On the flip side, they also tend to work more, socialize less, and experience greater psychological and physiological stress.

In their book, Happy Money: The Science of Happier Spending, authors Elizabeth Dunn and Michael Norton sum up this paradox: “By permitting us to outsource our most dreaded tasks, from scrubbing toilets to cleaning gutters, money can transform the way we spend our time, freeing us to pursue our passions,” they write. “Yet wealthier individuals do not spend their time in happier ways on a daily basis; thus they fail to use their money to buy themselves happier time.”

The key takeaways? First, treat time as the commodity. Research suggests that people who think of their time as a limited resource in its own right are more likely to derive joy from life’s simple pleasures, like eating sweets or talking to a friend.

Second, if you’re splurging on a time-saving purchase, use those extra minutes to do something that lifts your mood. Studies on time and happiness show people typically experience more positive emotions during leisure activities compared to when they’re working or doing household chores. Active and social forms of leisure, like exercising and volunteering, are also linked to greater happiness compared to more passive activities, like watching TV or napping.

“The more that people are using their time to engage in social interactions to cultivate relationships, the more happiness they’re going to get from buying time,” Kumar explains. That’s why buying experiences is another way to maximize joy from spending.

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Invest in Experiences

You might think it’s more practical to spend money on something that you’ll use for years rather than on a fancy dinner or vacation. But research suggests that an intangible experience can often bring you joy for longer than a physical object.

“People believe material goods last—and they do last in a physical sense, but that doesn’t mean you continue to derive value from it,” Kumar says. “Experiences are fleeting, but not in a psychological sense. They live on in our memories, they live on in the stories we tell.”

For example, people get boosts of pleasure from planning and anticipating experiences, like vacations—and then again when recalling those memories later. That’s partly because experiences often cultivate connection and feelings of belonging, whereas we’re more likely to consume material purchases alone.

We’re social animals, after all. In Maslow’s hierarchy of needs, as soon as our basic needs—food, shelter, and safety—are met, the first thing we seek is companionship. Research on human flourishing confirms that cultivating meaningful relationships through institutions like work, religious communities, and marriage enhances our well-being, and is associated with better health and longer life expectancy.

Our experiences also play a significant role in the formation of our identities. “Experiential purchases tend to be more reflective of a person’s identity and their sense of self,” Kumar says. “Our stuff is less centrally tied to who we are. We’re the sum of our experiences.”

That’s why people bond with each other over experiences rather than their possessions. “It can be annoying to find out that someone has a nicer TV or a fancier wardrobe,” Kumar says. “These comparisons can make people feel worse.” It turns out experiences are less susceptible to these types of problematic comparisons. “People don’t want to trade their trip for someone else’s. Your experiences are kind of uniquely yours.”

Even spending time on simple, low-cost pleasures, like attending an exercise class or drinking a cold beer with friends, can produce small, frequent boosts in mood and facilitate social connections. And since the COVID-19 pandemic has forced most of us into physical isolation, we need to get more creative than ever. That could mean signing up for a virtual painting class, “sharing” a fancy bottle of wine during a Zoom happy hour, or investing in outdoor recreation. “Get out and hike and bike and take advantage of your local environment,” says Thomas Gilovich, a professor of psychology at Cornell University who studies human judgment. “These kinds of experiences don’t demand a giant bank account.”

You don’t need to make extreme lifestyle changes either. “It’s not that the material goods are bad and you have to stop purchasing them,” Gilovich explains. “It’s just if you shift your expenditures a bit more in the experiential direction and a bit less material direction, you’ll be happier.”

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Spend on Others

Another benefit of investing in experiences is that they inspire us to engage in more altruistic behaviors. “We found that when people think about experiences rather than possessions, they end up being more generous to others,” Kumar says.

That’s because we tend to be more thankful for what we’ve done than we are for what we have. Those feelings of gratitude comes with a whole host of psychological benefits, including prosocial behaviors like giving.

This is significant because spending money on others is also linked to greater well-being. One survey of 136 countries found that prosocial spending was universally associated with greater happiness in both wealthy and poor countries. In lab experiments, participants who were randomly assigned to spend money on others reported greater happiness than those assigned to spend it on themselves.

In fact, we may be hardwired to give. Children start to demonstrate prosocial behaviors like sharing as early as age two, and they’re linked to our brains’ reward systems. Evolutionary theorists argue that altruistic behavior is a survival trait, much like eating or having sex. It was crucial for the large-scale cooperation that allowed early humans to survive and thrive in groups.

Today it serves another adaptive function: it’s good for our health. For instance, studies show that helping others is linked to a decreased risk of morbidity and mortality in older adults, that people who give social support are more likely to receive it in return, and that giving social support is related to positive health outcomes like lower blood pressure.

It also affects our brains. An fMRI experiment examining the neural bases of altruism found that when people gave to charities, brain areas associated with pleasure and social attachment were activated—something known as the “warm glow” effect. The best part: generosity is contagious and can influence the spending habits of those around us. For example, in a series of experimental “games,” researchers found that when one person gave money to help another, the recipient was more likely to give their own money away during subsequent games.

But sometimes the details matter. When it comes to giving, spending money on people we have stronger emotional ties with may be more likely to boost happiness compared to weak or anonymous relationships. Likewise, when it comes to charity, giving to a specific cause or mission can produce greater feelings of happiness compared to a more general donation. Psychologists suggest that’s because you know exactly how your money is going to benefit the recipient.

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Focus on Human Connection

So is shifting our spending habits away from material things the key to bliss? Despite a sea of research, there’s still no tidy answer. Happiness is notoriously difficult to study; it’s subjective, unstable, and intangible. But one common thread consistently comes up in the research: the power of human connection to elicit joy.

“Purchases that help to foster our social relationships—those are the purchases that are most likely to bring us longer-lasting, more enduring happiness,” Kumar says.

But that doesn’t necessarily mean spending all your money on family vacations: sometimes material purchases are vehicles for social connection. The idea is to invest more in experiences than in possessions, Gilovich explains, but sometimes the latter can facilitate the former. “There are things sort of in the middle,” he says. “You buy a new bike, you get together with a bunch of cyclists, and you cycle regularly.” His advice: when you’re buying something, ask yourself how likely you are to use it with other people.

Kumar agrees. “One of the mistakes that people can make is that they think that material goods are a better financial investment, that they’ll last,” he says. But the material goods that pack the biggest punch are the ones that beget social experiences.

For him, the recipe for better spending is simple: “Positive social relationships are essential to human happiness—spend money in ways that advance your social relationships [and try to] minimize making comparisons to other people.”   

Asst Director, Agricultural Engineer, Asst Geologist – 23 Posts-last date 16-09-2021

ADVERTISEMENT NO.11/2021 UNION PUBLIC SERVICE COMMISSION INVITES ONLINE RECRUITMENT APPLICATIONS (ORA*) FOR RECRUITMENT BY SELECTION TO THE FOLLOWING POSTS (*: by using the website http://www.upsconline.nic.in) VACANCY DETAILS 1. (Vacancy No. 21081101228) Two vacancies for the post of Assistant Director (Plant Pathology) in Directorate of Plant Protection, Quarantine and Storage, Faridabad, Department of Agriculture, Cooperation and Farmers Welfare, Ministry of Agriculture and Farmers Welfare (UR-02). The post is permanent. Pay Scale: Level- 10 in the Pay Matrix as per 7th CPC, General Central Services Group-“A” Gazetted (Non-Ministerial). Age: 35 years. ESSENTIAL QUALIFICATIONS: (A) EDUCATIONAL: M.Sc. Degree in Plant Pathology or M.Sc. Degree in Agriculture with specialization in Plant Pathology or M.Sc. Degree in Botany with specialization in Plant Pathology from a recognized University or Institution. (B) EXPERIENCE: Three years’ practical experience in the field of study of domestic and or foreign plant diseases related to plant virus and plant bacteria. DESIRABLE: Doctorate degree in Plant Pathology from a recognized University or Institution. NOTE: Qualifications are relaxable at the discretion of the Union Public Service Commission, for reasons to be recorded in writing, in the case of candidates otherwise well qualified. DUTIES: (i) Quarantine/screening of plant propagating materials/seeds. (ii) Post entry quarantine measures/ treatment of propagating materials. Adaptive research involving control measures.(iii) Documentation of diseases reported and not reported in India and updating the same. (iv) Preparation of manual of plant diseases of quarantine significance and updating from time to time. (v) Establishment of laboratories at quarantine stations for screening of diseases. HQ: Faridabad, Haryana with liability to serve anywhere in India. 2. (Vacancy No. 21081102528) One vacancy for the post of Agricultural Engineer (Instrumentation) in Farm Machinery Training and Testing Institute, Department of Agriculture, Cooperation and Farmers Welfare, Ministry of Agriculture and Farmers Welfare ( OBC-01). The post is permanent. Pay Scale: Level- 07 in the Pay Matrix as per 7th CPC, General Central Services Group-“B” Gazetted (Non-Ministerial). Age: 33* years. ESSENTIAL QUALIFICATIONS: (A) EDUCATIONAL: Degree in Electronics Engineering or Instrumentation Technology from a recognized University or Institute. (B) EXPERIENCE: Two years’ experience in the installation, calibration and maintenance of electronics and electrical instruments for automatic measurement and controls, experience in handling strain gauge, sound and vibration equipment etc. from any government or private (listed) organizations. NOTE: Qualifications are relaxable at the discretion of the Union Public Service Commission, for reasons to be recorded in writing, in the case of candidates otherwise well qualified. DUTIES: (i) Calibration, operation, maintenance, service and repair, procurement of testing instruments. (ii) Coordination of computerization and automation of various sections through VSAT, Internet, LAN and web-site etc. (iii) Instrumentation activities for testing of meters, gauges, dynamometers etc. HQ: New Delhi with liability to serve anywhere in India. 3. (Vacancy No. 21081103228) Twenty vacancies for the post of Assistant Geologist in Geological Survey of India, Ministry of Mines (SC-01, ST-03, OBC-02, EWS-02, UR-12). The vacancies are also suitable for candidates belonging to category of Persons with Benchmark Disability (PwBD) viz. Deaf and Hard of Hearing with disability i.e. Deaf (D) or Hard of Hearing (HH), Locomotor Disability including Cerebral Palsy, Leprosy Cured, Dwarfism,Acid Attack Victims with disability i.e. One leg affected (R or L) (OL) or One arm affected (R or L) (OA). The post is permanent. Pay Scale: Level- 08 in the Pay Matrix as per 7th CPC, General Central Services Group-“B” Gazetted Non-Ministerial. Age: 30 years. ESSENTIAL QUALIFICATIONS: EDUCATIONAL: Master’s Degree in Geology or Applied Geology or Geo-exploration or Mineral Exploration or Engineering Geology or Geo-chemistry or Marine Geology or Earth Science & Resource Management or Oceanography and Coastal Area Studies (Coastal Geology) or Environmental Geology or Geo-informatics from a recognized University or Institution. NOTE-I: Qualifications are relaxable at the discretion of the Union Public Service Commission, for reasons to be recorded in writing, in the case of candidates otherwise well qualified. NOTE-II: The qualification(s) regarding experience is/are relaxable at the discretion of the Union Public Service Commission, for reasons to be recorded in writing in the case of candidates belonging to the Scheduled Castes or the Scheduled Tribes, if at any stage of selection the Union Public Service Commission, is of the opinion that sufficient number of candidates from these communities possessing the requisite experience are not likely to be available to fill up the vacancies reserved for them. DUTIES: Geological work in the field and laboratory, collection and interpretation of data, preparation of reports and scientific papers. HQ: Kolkata with All India service liability. Any Other Condition: Every appointee on his/her 1st appointment in Geological Survey of India shall have to successfully complete the induction or orientation training conducted by Geological Survey of India Training Institute. * Persons with Benchmark Disabilities. (IMPORTANT) CLOSING DATE FOR SUBMISSION OF ONLINE RECRUITMENT APPLICATION (ORA) THROUGH ORA WEBSITE IS 23:59 HRS ON 16.09.2021. THE LAST DATE FOR PRINTING OF COMPLETELY SUBMITTED ONLINE APPLICATION IS UPTO 23:59 HRS ON 17.09.2021. DATE FOR DETERMINING THE ELIGIBILITY OF ALL CANDIDATES IN EVERY RESPECT SHALL BE THE PRESCRIBED CLOSING DATE FOR SUBMISISON OF ONLINE RECRUITMENT APPLICATION (ORA). THE APPLICANTS ARE ADVISED TO FILL IN ALL THEIR PARTICULARS IN THE ONLINE RECRUITMENT APPLICATION CAREFULLY AS SUBMISSION OF WRONG INFORMATION MAY LEAD TO REJECTION THROUGH COMPUTER BASED SHORTLISTING APART FROM DEBARMENT BY THE COMMISSION. DATE FOR THE INTERVIEW ON WHICH THE SHORTLISTED CANDIDATE IS REQUIRED TO BRING THE PRINTOUT OF HIS/HER ONLINE APPLICATION ALONGWITH OTHER DOCUMENTS AT UPSC SHALL BE INTIMATED SEPARATELY. NOTES: a) Candidates are requested to apply only Online against this advertisement on the Online Recruitment Application (ORA) website http://www.upsconline.nic.in and NOT write to the Commission for Application forms. They are also requested to go through carefully the details of posts and instructions published below as well as on the website http://www.upsconline.nic.in. b) * The age limit shown against item No. 2* is the relaxed age limit for Other Backward Classes Candidates. The age limit shown against all items is the normal age limit and the age is relaxable for SC/STcandidates upto 5 years and upto 3 years for OBC candidates in respect of vacancies reserved for them, SC/ST/OBC candidates have to produce a caste certificate in prescribed proforma. For age concession applicable to other categories of applicants please see relevant paras of the "Instructions and Additional Information to Candidates for Recruitment by Selection". c) A candidate will be eligible to get the benefit of community reservation only in case the particular caste to which the candidates belong is included in the list of reserved communities issued by the Central Government. If a candidate indicates in his/her application form that he/she belongs to SC/ST/OBC/General category but subsequently writes to the Commission to change his/her category, such request shall not be entertained by the Commission. d) Persons with Benchmark Disabilities (PwBD), as indicated against various item(s) in the VACANCY DETAILS, can apply to the respective posts even if the post is not reserved for them but has been identified as Suitable. However, such candidates will be considered for selection to such post by general standard of merit. Persons suffering from not less than 40% of relevant disability shall alone be eligible for the benefit of reservation and other relaxations as permissible under the rules. Thus, Persons with Benchmark Disabilities (PwBD) persons can avail benefit of: i) Reservation and other Concessions & Relaxations as permissible under the rules only when degree of physical disability is 40% or more and the posts are reserved for PwBD candidates. ii) Other Concessions & Relaxations as permissible under the rules only when degree of physical disability is 40% or more and the posts are suitable for PwBD candidates. e) HEADQUARTERS: At places specifically stated against certain posts, otherwise anywhere in India. f) PROBATION:The persons selected will be appointed on probation as per rule. INSTRUCTIONS AND ADDITIONAL INFORMATION TO CANDIDATES FOR RECRUITMENT BY SELECTION 1. CITIZENSHIP: A Candidate must be either: (a) a citizen of India, or (b) a subject of Nepal, or (c) a subject of Bhutan, or (d) a Tibetan refugee who came over to India before 1st January, 1962 with the intention of permanently settling in India, or (e) a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka or East African countries of Kenya, Uganda, the United Republic of Tanzania(formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia and Vietnam with the intention of permanently settling in India. Provided that a candidate belonging to categories (b), (c), (d) and (e) above shall be a person in whose favour a certificate of eligibility has been issued by the Government of India. NOTE The application of a candidate in whose case a certificate of eligibility is necessary, may be considered by the Commission and, if recommended for appointment, the candidate may also be provisionally appointed subject to the necessary certificate being issued in his favour by the Government of India. 2. AGE LIMITS: The age limit for the post has been given in the advertisement. For certain age concessions admissible to various categories please go through the instruction regarding Concessions & Relaxations. 3. MINIMUM ESSENTIAL QUALIFICATIONS: All applicants must fulfill the essential requirements of the post and other conditions stipulated in the advertisement. They are advised to satisfy themselves before applying that they possess at least the essential qualifications laid down for various posts. No enquiry asking for advice as to eligibility will be entertained. NOTE-I: The prescribed essential qualifications are the minimum and the mere possession of the same does not entitle candidates to be called for interview. NOTE-II: IN THE EVENT OF NUMBER OF APPLICATIONS BEING LARGE, COMMISSION WILL ADOPT SHORT LISTING CRITERIA TO RESTRICT THE NUMBER OF CANDIDATES TO BE CALLED FOR INTERVIEW TO A REASONABLE NUMBER BY ANY OR MORE OF THE FOLLOWING METHODS: (a) “On the basis of Desirable Qualification (DQ) or any one or all of the DQs if more than one DQ is prescribed”. (b) On the basis of higher educational qualifications than the minimum prescribed in the advertisement. (c) On the basis of higher experience in the relevant field than the minimum prescribed in the advertisement. (d) By counting experience before or after the acquisition of essential qualifications. (e) By invoking experience even in cases where there is no experience mentioned either as Essential Qualification (EQ) or as Desirable Qualification (DQ). (f) By holding a Recruitment Test. THE CANDIDATE SHOULD, THEREFORE, MENTION ALL HIS/HER QUALIFICATIONS AND EXPERIENCE IN THE RELEVANT FIELD OVER AND ABOVE THE MINIMUM QUALIFICATIONS. NOTE-III:- IMPORTANT (i) The category-wise minimum level of suitability in interviews, irrespective of whether the selection is made only by interview or by Recruitment Test followed by interview, will be UR/EWS-50 marks, OBC-45 marks, SC/ST/PwBD-40 marks, out of the total marks of interview being 100. (ii) In cases where selection is made by Recruitment Test (RT) followed by interview, the candidate will have to achieve minimum level of suitability in their respective category at Interview stage. 4. APPLICATION FEE: (a) Candidates are required to pay a fee of Rs. 25/- (Rupees Twenty five) only either by remitting the money in any branch of the SBI by cash or by using net banking facility of the SBI or by using visa/master credit/debit card. (b) No fee for SC/ST/PwBD/Women candidates of any community. No "fee exemption" is available to Gen/OBC/EWS male candidates and they are required to pay the full prescribed fee. (c) Applications without the prescribed fee would not be considered and summarily rejected. No representation against such rejection would be entertained. (d) Fee once paid shall not be refunded under any circumstance nor can the fee be held in reserve for any other examination or selection. 5. CONCESSIONS & RELAXATIONS: (a) The upper age limit in case of Ex-Servicemen and Commissioned Officers including ECOs/SSCOs shall be relaxed by five years subject to the condition that on the closing date for receipt of applications the continuous service rendered in the Armed Forces by an Ex-Serviceman is not less than six months after attestation. This relaxation is also available to ECOs/SSCOs who have completed their initial period of assignment of five years of Military Service and whose assignment has been extended beyond five years as on closing date and in whose case the Ministry of Defence issues certificates that they will be released within 3 months on selection from the date of receipt of offer of appointment. Candidates claiming age relaxation under this para would be required to produce a certificate in the prescribed proforma to the Commission. NOTE: Ex Servicemen who have already secured regular employment under the Central Government. in a Civil Post are permitted the benefit of age relaxation as admissible for ExServicemen for securing another employment in any higher post or service under the Central Government. However, such candidates will not be eligible for the benefit of reservation, if any for Ex-Servicemen in Central Government. jobs. (b) In order to qualify for the concession under (a) above, candidates concerned would be required to produce a certificate that they have been released from the Defence Forces. The certificate for Ex-Servicemen and Commissioned Officers including ECOs/SSCOs should be signed by the appropriate authorities specified below and should also specify the period of service in the Defence Forces:- (i) In case of Commissioned Officers including ECOs/SSCOs: Army: Directorate of Personnel Service, Army Headquarters, New Delhi. Navy: Directorate of Personnel Services Naval Headquarters, New Delhi. Air Force: Directorate of Personnel Services, Air Headquarters, New Delhi. (ii) In case of JCOs/ORs and equivalent of the Navy and Air Forces: Army: By various Regimental Record Offices. Navy: Naval Records, Bombay Air Force: Air Force Records, New Delhi. (c) Age relaxation for Central Government employees: The upper age limit is relaxable for Central/U.T. Government. Servants up to 5 years as per instructions issued by the Government. of India from time to time. (This implies that Scheduled Castes/Schedules Tribes category candidates would get maximum 10 years age relaxation including 5 years age relaxation meant for their respective categories. Similarly OBC candidates would get maximum upto 8 years including 3 years age relaxation meant for OBC category). This relaxation will be admissible to Government servants with 3 years continuous service in Central Government and working in posts which are in the same line or allied cadre and where a relation could be established that the service already rendered in that particular post will be useful for the efficient discharge of the duties of the post to which recruitment is being made. Decision in this regard will rest with the Commission. A candidate claiming to belong to the category of Central Government servant and thus seeking age relaxation under this para would be required to produce a Certificate in the prescribed proforma issued after the date of advertisement from his/her Employer on the Office letter head to the effect that he/she is a regularly appointed Central Government Servant and not on casual/adhoc/daily wages/hourly paid/contract basis employee. (d) Age relaxation to Persons with Benchmark Disabilities (PwBD): i) Age relaxation of 10 years (This implies that Scheduled Castes/Schedules Tribes category candidates would get maximum 15 years age relaxation including 5 years meant for their respective categories. Similarly OBC candidates would get maximum upto 13 years including 3 years age relaxation meant for OBC category) in upper age limit shall be allowed to persons suffering from (a) blindness or low vision, (b) hearing impairment (c) locomotor disability including cerebral palsy,Leprosy Cured, Dwarfism, Acid Attack Victims & Muscular Dystrophy, (d) Autism, intellectual disability, specific learning disabilit mental illness, (e) Multiple disabilities from amongst persons under clauses (a) to (d) in case of direct recruitment to all civil posts/services under the Central Government identified suitable to be held by persons with such disabilities, subject to the condition that maximum age of the applicant on the closing date shall not exceed 56 years. The age concession to the persons with disabilities shall be admissible irrespective of whether the post is reserved for persons with disabilities or not, provided the post is identified suitable for the relevant category of disability. ii) Relaxation of age limit would be permissible to such persons who have a minimum of 40% disability. iii) If a person with disability is entitled to age concession by virtue of being a Central Government employee, concession to him/her will be admissible either as a ‘person with disability’ or as a ‘Central Government employee’ whichever may be more beneficial to him/her. iv) The above provisions will not be applicable to a post/service for which other specific provision regarding age relaxation is made by notification. v) The definition of different categories of disabilities, for the purpose of age relaxation, will be same as given in DoP&T’s OM No. 36035/3/2004-Estt(Reservation) dated 29th December 2005. 6. (A) HOW TO APPLY: i) Candidates must apply online through the website http://www.upsconline.nic.in. Applications received through any other mode would not be accepted and summarily rejected. ii) Candidates must upload the documents/certificates in support of all the claims made by them in the application like, Date of Birth, Experience (preferably in prescribed format), Desirable Qualification(s) etc. or any other information, separately against each claim in pdf file in such a way that the file size does not exceed 1 MB for the respective aforesaid modules and 2 MB for the “UPLOAD OTHER DOCUMENT” module and is legible when a printout taken. For that purpose, the applicant may scan the documents/certificates in 200 dpi grey scale. Documents like Pay Slip, Resume, Appointment Letter, Relieving Letter, Un-signed Experience Certificate etc. must not be uploaded in the Document Upload Module:- a) Matriculation/10th Standard or equivalent certificate indicating date of birth, or mark sheet of Matriculation/10th Standard or equivalent issued by Central/State Board indicating Date of Birth in support of claim of age. Where date of birth is not available in certificate/mark sheets, issued by concerned Educational Boards, School leaving certificate indicating Date of Birth (in case of Tamil Nadu& Kerala). b) Degree/Diploma certificate as proof of educational qualification claimed. In the absence of Degree/Diploma certificate, provisional certificate along with mark sheets pertaining to all the academic years. c) Order/ letter in respect of equivalent Educational Qualifications claimed, indicating the Authority (with number and date) under which it has been so treated, in respect of equivalent clause in Essential Qualifications, if a candidate is claiming a particular qualification as equivalent qualification as per the requirement of advertisement. d) Certificate(s) in the prescribed proforma from the Head(s) of Organization(s)/Department(s) for the entire experience claimed, clearly mentioning the duration of employment (date, month & year) indicating the basic pay and consolidated pay. The certificate(s) should also mention the nature of duties performed/experience obtained in the post(s) with duration(s). Experience Certificate should be issued in prescribed format relevant to the post. Experience certificate not in prescribed proforma but containing all the details as mentioned above would be considered on merits by the Commission. e) Caste certificate by candidate seeking reservation as SC/ ST/ OBC, in the prescribed proforma from the competent authority indicating clearly the candidate’s Caste, the Act/ Order under which the Caste is recognized as SC/ ST/ OBC and the village/ town the candidate is ordinarily a resident of. f) A declaration in the prescribed format by candidate seeking reservation as OBC, that he/she does not belong to the creamy layer on the crucial date, in addition to the community certificate (OBC). Unless specified otherwise, the prescribed closing date for receipt of Online Recruitment Application for the post is to be treated as crucial date. g) Persons with Benchmark Disabilities (PwBD) certificate in prescribed proforma issued by the competent authority by Persons with Benchmark Disabilities (PwBD) eligible for appointment to the post on the basis of prescribed standards of Medical Fitness. The Competent Authority to issue Persons with Benchmark Disabilities (PwBD) certificate shall be a Medical Board duly constituted by the Central or a State Government. The Central/ State Government may constitute Medical Board(s) consisting of at least three members out of which at least one shall be a specialist in the particular field for assessing Locomotor/ Cerebral / Visual / Hearing disability, as the case may be. h) Documentary support for any other claim(s) made. Note: If any document/ certificate furnished is in a language other than Hindi or English, a transcript of the same duly attested by a Gazetted officer or notary is to be uploaded. iii) IMPORTANT : CANDIDATES ARE ADVISED TO FILL THEIR CORRECT AND ACTIVE E-MAIL ADDRESSES IN THE ONLINE APPLICATION AS ALL CORRESPONDENCE WILL BE MADE BY THE COMMSSION THROUGH E-MAIL ONLY. INTERVIEW SCHEDULE AND REQUIREMENTS WITH REGARD TO COPIES OF CERTIFCATES TO BE SUBMITTED IN RESPECT OF CLAIMS MADE IN THE ONLINE APPLICATION WILL BE E-MAILED IN DUE COURSE TO THE CANDIDATES IN THEIR REGISTERED E-MAIL ID AND WILL ALSO BE POSTED ON THE WEBSITE OF THE COMMISSION. iv) Candidates who wish to apply for more than one post should apply separately for each post and pay the fee for each post in the prescribed manner. v) After submitting the Online Recruitment Application (ORA), the candidates are required to take out a print out of the finally submitted Online Recruitment Application. vi) Candidates are not required to submit to the Commission either by post or by hand the printouts of their online applications or any other document. They will be required to bring along with them the printouts of their online applications and the documents mentioned in para 7 below if called for interview. vii) The applicants are advised to submit only single Online Recruitment Application for each post; however, if somehow, if he/she submits multiple Online Recruitment Applications for one post, then he/she must ensure that Online Recruitment Application with the higher "Application Number" is complete in all respects including fee. The applicants, who submit multiple Online Recruitment Applications, should note that only the Online Recruitment Application with higher "Application Number" shall be entertained by the Commission and fee paid against one "Application Number" shall not be adjusted against any other "Application Number". viii) The candidates are advised to submit the Online Recruitment Application well in advance without waiting for the closing date. 6 (B) Candidates shortlisted for interview on the basis of the information provided in the online applications submitted by them will be required to send self attested copies of documents/relevant certificates in support of the claims made in the application as and when demanded by the Commission. “WARNING”: CANDIDATES WILL BE SHORT-LISTED FOR INTERVIEW ONLY ON THE BASIS OF THE INFORMATION PROVIDED BY THEM IN THEIR ONLINE APPLICATIONS DOCUMENTS SUBMITTED IN SUPPORT OF THE CLAIM MADE IN THE ONLINE APPLICATION WILL BE EXAMINED ONLY IF THE CANDIDATE IS PRIMA FACIE ELIGIBLE TO BE SHORTLISTED ON THE BASIS OF INFORMATION REGARDING QUALIFICATIONS AND EXPERIENCE CLAIMED IN THE ONLINE APPLICATION, VARIOUS REPORTS AS PER THE ADVERTISEMENT AND MODALITIES AND CRITERIA ADOPTED FOR SHORTLISTING. CANDIDATES MUST ENSURE THAT SUCH INFORMATION IS TRUE. IF AT ANY SUBSEQUENT STAGE OR AT THE TIME OF INTERVIEW ANY INOFRMATION GIVEN BY THEM OR ANY CLAIM MADE BY THEM IN THEIR ONLINE, APPLICATIONS IS FOUND TO BE FALSE, THEIR CANDIDATURE WILL BE LIABLE TO BE REJECTD AND THEY MAY ALSO BE DEBARRED EITHER PERMANENTLY OR FOR A SPECIFIED PERIOD BY THE : • COMMISSION FROM ANY EXAMINATION OR SELECTION HELD BY THEM. • CENTRAL GOVERNMENT FROM ANY EMPLOYMENT UNDER THEM. 7. DOCUMENTS/ CERTIFICATES TO BE PRODUCED AT THE TIME OF INTERVIEW. The printout of the online application and the following Original Documents/ Certificates along with self attested copies and other items specified in the Summon Letter for interview are to be produced at the time of interview, failing which the candidate would not be allowed to appear in the Interview in which case such candidate will not be entitled to receive the Commission’s contribution towards travelling expenses:- a) Matriculation/10th Standard or equivalent certificate indicating date of birth, or mark sheet of Matriculation/10th Standard or equivalent issued by Central/State Board indicating Date of Birth in support of their claim of age. Where date of birth is not available in certificate/mark sheets, issued by concerned Educational Boards, School leaving certificate indicating Date of Birth will be considered (in case of Tamil Nadu & Kerala). b) Degree/Diploma certificate along with marksheets pertaining to all the academic years as proof of educational qualification claimed. In the absence of Degree/Diploma certificate, provisional certificate along with mark sheets pertaining to all the academic years will be accepted. c) Order/ letter in respect of equivalent Educational Qualifications claimed, indicating the Authority (with number and date) under which it has been so treated, in respect of equivalent clause in Essential Qualifications, if a candidate is claiming a particular qualification as equivalent qualification as per the requirement of advertisement. d) Certificate(s) in the prescribed proforma from the Head(s) of Organization(s)/Department(s) for the entire experience claimed, clearly mentioning the duration of employment (date, month & year) indicating the basic pay and consolidated pay. The certificate(s) should also mention the nature of duties performed/experience obtained in the post(s) with duration(s). Experience Certificate should be issued in prescribed format relevant to the post. Experience certificate not in prescribed proforma but containing all the details as mentioned above would be considered on merits by the Commission. e) Caste certificate by candidate seeking reservation as SC/ ST/ OBC, in the prescribed proforma from the competent authority indicating clearly the candidate’s Caste, the Act/ Order under which the Caste is recognized as SC/ ST/ OBC and the village/ town the candidate is ordinarily a resident of. f) A declaration in the prescribed format by candidate seeking reservation as OBC, that he/she does not belong to the creamy layer on the crucial date, in addition to the community certificate (OBC). Unless specified otherwise, the prescribed closing date for receipt of Online Recruitment Application for the post is to be treated as crucial date. g) Persons with Benchmark Disabilities (PwBD) certificate in prescribed proforma issued by the competent authority by Persons with Benchmark Disabilities (PwBD) persons eligible for appointment to the post on the basis of prescribed standards of Medical Fitness. The Competent Authority to issue Persons with Benchmark Disabilities (PwBD) certificate shall be a Medical Board duly constituted by the Central or a State Government. The Central/ State Government may constitute Medical Board(s) consisting of at least three members out of which at least one shall be a specialist in the particular field for assessing Locomotor/ Cerebral / Visual / Hearing disability, as the case may be. h) A candidate who claims change in name after matriculation on marriage or remarriage or divorce etc. the following documents shall be submitted:- i) In case of marriage of women - Photocopy of Husband’s passport showing names of spouses or an attested copy of marriage certificate issued by the Registrar of Marriage or an Affidavit from husband and wife along with a joint photograph duly sworn before the Oath Commissioner; ii) In case of re-marriage of women - Divorce Deed/Death certificate as the case may be in respect of first spouse; and photocopy of present husband’s passport showing names of spouse or an attested copy of marriage certificate issued by the Registrar of Marriage or an Affidavit from the husband and wife along with joint photograph duly sworn before the Oath Commissioner iii) In case of divorce of women - Certified copy of Divorce Decree and Deed Poll/Affidavit duly sworn before the Oath Commissioner. iv) In other circumstances for change of name for both male and female - Deed Poll/Affidavit duly sworn before the Oath Commissioner and paper cuttings of two leading daily newspaper in original (One daily newspaper should be of the area of applicants permanent and present address or nearby area) and Gazette Notification. i) Certificate/ Document in respect of Age relaxation for: i) Ex-Servicemen and Commissioned Officers including ECOs/SSCOs in prescribed proforma from competent authority. ii) Central/UT Government Employees/Servants in prescribed proforma from competent authority issued after the date of advertisement. iii) Persons seeking age relaxation under special provision/ order. j) Persons already in Regular Government service, whether in permanent or temporary capacity other than casual/adhoc/daily wages/hourly paid/contract basis are however required to submit a declaration that they have informed in writing to their Head of Office/Department that they have applied for the selection. k) Certificate(s) in respect of claim regarding Professional Registration, Language, Publications, NET, GATE, Conference, Internship. l) Documentary support for any other claim(s) made. NOTE I: Date of birth mentioned in Online Recruitment Application is final. No subsequent request for change of date of birth will be considered or granted. NOTE II: The period of experience rendered by a candidate on part time basis, daily wages, visiting/ guest faculty will not be counted while calculating the valid experience for short listing the candidates for interview. NOTE III: If any document/ certificate furnished is in a language other than Hindi or English, a transcript of the same duly attested by a Gazetted officer or notary is to be submitted. 8. ACTION AGAINST CANDIDATES FOUND GUILTY OF MISCONDUCT: Candidates are warned that they should not furnish any particulars that are false or suppress any material information in filling up the application form. Candidates are also warned that they should in no case correct or alter or otherwise tamper with any entry in a document or its attested/certified copy submitted by them nor should they submit a tampered/fabricated document. If there is any inaccuracy or any discrepancy between two or more such documents or their attested/certified copies, an explanation regarding this discrepancy should be submitted. A candidate who is or has been declared by the Commission to be guilty of: a) obtaining support of his/her candidature by any means, or b) impersonating, or c) procuring impersonation by any person , or d) submitting fabricated documents or documents which have been tampered with, or e) making statements which are incorrect or false or suppressing material information, or f) resorting to any other irregular or improper means in connection with his/her candidature for the selection, or g) using unfair means during the test, or h) writing irrelevant matter including obscene language or pornographic matter, in the script(s) , or i) misbehaving in any other manner in the examination hall, or j) harassing or doing bodily harm to the staff employed by the Commission for the conduct of their test, or k) bringing mobile phone/Communication device in the examination Hall/Interview room. l) attempting to commit or, as the case may be, abetting the Commission of all or any of the acts specified in the foregoing clauses may, in addition to rendering himself/herself liable to criminal prosecution, be liable: i) to be disqualified by the Commission from selection for which he/she is a candidate, and/or ii) to be debarred either permanently or for a specified period:- • by the Commission from any examination or selection held by them • by the Central Government from any employment under them, and iii) if he/she is already in service under Government to disciplinary action under the appropriate rules. 9. OTHER INFORMATION/INSTRUCTIONS: a) All candidates whether in Government service or in Government owned industrial or other similar organizations or in private employment should submit their applications online directly to the Commission. Persons already in Regular Government service, whether in permanent or temporary capacity other than casual/adhoc/daily wages/hourly paid/contract basis are however required to submit a declaration that they have informed in writing to their Head of Office/Department that they have applied for the selection. b) The date for determining the eligibility of all candidates in every respect shall be the closing date for submitting the Online Recruitment Application on the website http://www.upsconline.nic.in. c) In respect of equivalent clause in Essential Qualifications, if a candidate is claiming a particular qualification as equivalent qualification as per the requirement of advertisement, then the candidate is required to produce order/letter in this regard, indicating the Authority (with number and date) under which it has been so treated otherwise the Online Recruitment Application is liable to be rejected. d) Candidates must, if required, attend a personal interview at such place, as may be fixed by the Commission. The Commission do not defray the traveling or other expenses of candidates summoned for interview. They, however, contribute towards those expenses at a rate corresponding to the amount of the Second Class Mail railway fare by the shortest route to the place of interview from the Railway Station nearest to the normal place of residence of the candidate or from which he actually performs the journey, whichever, is nearer to the place of interview, and back to the same station or the amount of Railway fare actually incurred by the candidate whichever is less. Details of this will be furnished when they are called for interview. e) Commission’s contribution towards the traveling expenses in respect of those candidates who are interviewed at Delhi will be paid on the spot on the date of interview itself provided they fulfill all the conditions. In respect of those candidates who have been called to be present at interviews at places other than Delhi, the same will be sent by Money Order later on. Candidates who do not wish to collect contribution towards TA in cash at Commission’s counter can also get the same transferred in their respective account. Such candidates will have to submit a cancelled cheque along with their TA claims to facilitate the transaction’. f) The Summoning of candidates for interview convey no assurance whatsoever that they will be selected. Appointment orders to selected candidates will be issued by the Government. g) Candidates must be in sound bodily health. They must, if selected be prepared to undergo such medical examination and satisfy such medical authority as Government may require. h) Candidates will be informed of the final result in due course through UPSC website/ Employment News and any interim enquiries about the result are therefore, unnecessary and will not be attended to. The Commission do not enter into correspondence with the candidates about reasons for their non selection for interview/appointment. i) The Commission may grant higher initial pay to candidates adjudged meritorious in the interview. j) Canvassing in any form will disqualify a candidate. IMPORTANT MOBILE PHONES ARE BANNED IN THE CAMPUS OF UPSC EXAMINATION/ INTERVIEW HALL a) Government strives to have work force which reflects gender balance and women candidates are encouraged to apply. b) In case of any guidance/information/clarification regarding their applications, candidature etc. candidates can contact UPSC’s Facilitation Counter near gate ‘C’ of its campus in person or over Telephone No. 011-23385271/011-23381125/011-23098543 on working days between 10.00 hrs and 17.00 hrs. Formats of PRESCRIBED PROFORMAE for various certificates have been made available in the Commission’s official Website http://www.upsc.gov.in. under Heading Recruitment followed by Forms of Certificates(link https://www.upsc.gov.in/recruitment/recruitment-performas) Candidates may download the same and fill up accordingly.

PSBs to make additional provision of over ₹21,300 cr for higher family pension, NPS

Special dispensation will be sought from the RBI to allow provisions over next 5 years

Public sector banks will have to make an additional provision of over ₹21,300 crore annually on account of revision of norms to calculate family pension and higher contribution toward National Pension System (NPS).

“Keeping in view the requirements of the Accounting Standard (AS15R) issued by the Chartered Accountants of India and also as per the Companies Accounting Rules (2006), the incremental provision towards the Family pension as per the actuarial estimate is ₹20,302.9 crore,” a note prepared for the proposal, seen by BusinessLine, said.

The note also mentioned that special dispensation will be sought from the Reserve Bank of India (RBI) to allow provisions over next five years to avoid any immediate adverse impact on the balance sheets of the banks.

On Wednesday, Financial Services Secretary Debashish Panda said the government has approved the Indian Banks’ Association’s (IBA) proposal to increase the family pension to 30 per cent of last salary drawn. In continuation of the 11th bi-partite settlement on wage revision of public sector bank employees, which was signed by the IBA with the unions on November 11 last year, there was a proposal for enhancement of family pension and also the employers’ contribution under the NPS.

According to Panda, the scheme, earlier, had slabs of 15, 20 and 30 per cent of the pay that a pensioner drew at that point of time. It was capped subject to a maximum of ₹9,284. “That was a very paltry sum and Finance Minister Nirmala Sitharaman was concerned and wanted that to be revised so that family members of bank employees get a decent amount to survive and sustain,” he said.

As on March 31, the total number of pensioners stood at around 5.66 lakh and family pensioners at over 1.55 lakh.

 

National Pension System

The system prescribes contributory pension system where originally it was decided that employees will contribute 10 per cent of their basic plus dearness allowance while a matching amount will be provided by the government employer. On December 10, 2018, it was decided that for a Central government employee, the mandatory contribution by the employer would be raised to 14 per cent from April 1, 2019. The same mechanism will now be valid for employees of public sector banks.

“Based on the feedbacks received from the banks, the additional cost on account of increased contribution will be of the order of ₹1,080 crore per annum for all the PSBs,” the note mentioned above said. This will have an impact on nearly 60 per cent (around 4.68 lakh) bank employees out of a total strength of over 7.79 lakh.

Higher payout by the employer would translate into an increase in the accumulated corpus of employees covered under NPS. This will result in greater pension payouts after retirement without any additional burden on the employee. As on date, an employee can withdraw 60 per cent of total corpus for which she/he does not have to pay any tax, while the remaining 40 per cent of the amount utilised for purchasing an annuity from the Annuity Service Provider, registered and regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and empanelled by the Pension Fund Regulatory and Development Authority (PFRDA), is also tax exempt.

COMPARATIVE FP CHART: FROM APRIL 1, 2021 REVISED FAMILY PENSION (BANK) PAYABLE

 Ministry of Finance (Department of Financial Services) in its letter dated 25.08.2021 addressed to the Chief Executive of IBA conveyed the revision of family pension. According to the letter, the payment of Family Pension should be at a uniform rate of 30% of the pay of the deceased employee without any ceiling on family pension effective from 1.4.21.

Family Pension is computed on the LAST DRAWN PAY of the deceased Employee which includes Basic Pay + eligible Portion of PQA & FPA ranking for PF

Sixty percent of the pension drawn by you is the approximate family pension payable to your spouse after your death. The below chart is prepared for your reference, considering the top of the pay scale at the time of retirement/ death while still in active service.

Cadre	Existing Family Pension (BASIC+DR)	Revised Family Pension (BASIC+DR)
11th BPS after 1.11.2017
Sub-Staff	8031	14061
Clerical	12460	24919
Off. scale I	15227	30543
Off. Scale-II	16757	33815
Off. Scale III	16757	34867
Off Scale-IV	16757	36007
Off. Scale V	16757	39459
Off. Scale VI	16757	43956
Off Scale VII	16757	48832
BPS 10 after 1.11.2012 to 31.10.2017
Sub-Staff	8367	12550
Clerical	11087	22174
Off. scale I	11087	22174
Off. Scale-II	12123	24248
Off. Scale III	13585	27171
Off Scale-IV	15611	31222
Off. Scale V	16330	34864
Off. Scale VI	16330	40380
Off Scale VII	16330	44855
9th BPS after 1.11.2007 to 31.10.2012
Sub-Staff	7754	11631
Clerical	10234	20468
Off. scale I	10563	21125
Off. Scale-II	11549	23098
Off. Scale III	12946	25893
Off Scale-IV	14878	29756
Off. Scale V	16604	33208
Off. Scale VI	16248	38740
Off Scale VII	16248	42744
BPS 8 after 1.11.2007 to 31.10.2012
Sub-Staff	5295	7943
Clerical	8027	13878
Off. scale I	9581	19163
Off. Scale-II	10464	20823
Off. Scale III	12355	24710
Off Scale-IV	12681	25361
Off. Scale V	13983	27967
Off. Scale VI	15412	30825
Off Scale VII	16754	34250
BPS 7 after 1.04.2002 to 31.10.2002
Sub-Staff	5929	70148
Clerical	7926	12657
Off. scale I	8838	17545
Off. Scale-II	9557	18794
Off. Scale III	10571	20557
Off Scale-IV	11375	21953
Off. Scale V	12446	23815
Off. Scale VI	13630	25684
Off Scale VII	15011	27009
BPS 6 Nov 92/July 93 to 31.03.2002
Sub-Staff	5902	6402
Clerical	7741	11611
Off. scale I	7892	16578
Off. Scale-II	8996	17770
Off. Scale III	9985	19457
Off Scale-IV	10760	20775
Off. Scale V	11790	22532
Off. Scale VI	13025	24641
Off Scale VII	14411	26176
BPS 5  after 1.1.86 to 31.10.92
Sub-Staff	5913	5992
Clerical	7884	11275
Off. scale I	7924	15847
Off. Scale-II	8660	17028
Off. Scale III	9671	18871
Off Scale-IV	10538	20318
Off. Scale V	11721	20507
Off. Scale VI	12903	24266
Off Scale VII	13797	25347