Revision of 1/3rd commutation pension

Revision of 1/3rd commutation pension i.r.o CPSE/CAB absorbee: Pensioner Portal Order

No.4/30/2010-P&PW(D)

Government of India

Ministry of Personnel, Public Grievances & Pensions

Department of Pension and Pensioners Welfare

Lok Nayak Bhavan, Khan Market,

New Delhi-110003,

Dated the 28th October, 2013

OFFICE MEMORANDUM

Sub: Revision of 1/3rd commuted pension portion of pension in respect of Government servants who had drawn lump sum payment on absorption in Central Public Sector Undertakings/Central Autonomous Bodies-Implements of Government's decision on the recommendations of the 6th Central Pay Commission.

The undersigned is directed to say that orders have been issued vide this Department's OM of even number dated 11.7.2013 for revision of 1/3rd restored pension of absorbees w.e.f. 1.1.2006 by multiplying pre-revised 1/3rd pension by a factor of 2.26, if it is more beneficial than the revised 1/3rd restored pension as per this Department's O.M. No.4/38/2008-P&PW(D) dated 15.9.2008. These orders have been issued in compliance of the order dated 27.9.2011 of the CAT Hyderabad Bench in OA NO.710/2010 read with their order dated 22.4.2013 in C.P. 26/2012.

2. Representations have been received from the absorbees pensioners, who had taken lump-sum payment in lieu of 100% pro-rata pension on absorption, that the benefit allowed to the absorbee pensioners in terms of

O.M. dated 11.7.2013 is not adequate. These representations have been examined in this Department. The main thrust of these representation is that the 1/3rd restored pension may be revised w.e.f. 1.1.2006 by adding dearness pension and dearness relief as on 1.1.2006 alongwith 40% fitment benefit to the pre-revised 1/3rd restored pension.

3. The matter has been examined in this Department. The instructions for revision of 1/3rd pension were issued by this Department's O.M. No.4/38/2008-P&PW(D) dated 15.9.2008, keeping in view the formula laid down by Hon'ble High Court of Andhra Pradesh in its judgement dated 24.12.2003 which was accepted in Supreme Court judgment dated 29.11.2006 and 24.7.2007.  Hon'ble CAT, Hyderabad Bench in its order dated 27.9.2011 in OA 710/2010 inter-alia observed that the a.M. dated 15.9.2008 was legally sustainable.  However, the Hon'ble CAT directed to pass an order so as to equalize the revised 1/3rd restored pension of absorbees with the revised pension of other Central Government pensioners.

4. Keeping in view the above direction of Hon'ble CAT, Hyderabad Bench, which was upheld by High Court of Andhra Pradesh and Supreme Court, orders were issued vide this Department's C.M. of even number dated 11.7.2013 to revise 1/3rd restored pension of absorbee pensioners to 2.26 times of the pre-revised 1/3rd restored pension. This is explained by the following example:

Pre-2006 full pension	Pre-2006 1/3rd restored pension	Revised full pension (for DR, etc.)	Revised 1/3rd restored pension in terms of OM dated 15.9.2008	Revised 1/3rd  restored pension in terms of OM dated 11.7.2013
4073	3173	9207	6492	7173

  The above formula for revision of 1/3rd pension is also in conformity with the demand made by the staff side in the meeting of National Council (JCM) held on 6.11.2012.

5. In view of the above position, no further change in the 1/3rd restored pension of the absorbee pensioners (who had drawn lump-sum payment of absorption in Central Public Undertaking/Central Autonomous Body) is required to be made. All the representations made by the absrobee pensioners and their Associations in this regard stand disposed off accordingly. All Ministries/All Departments are requested to inform the above

position to the absorbee pensioners.

sd/- 

(Harjit Singh)

Deputy Secretary to the Government of India

Source: http://pensionersportal.gov.in/
[http://ccis.nic.in/WriteReadData/CircularPortal/D3/D03ppw/PPWD_291013.pdf]

NPS status report as on May

 (I)

SI. No.	Employer/Sector	Number of Corpus under NPS subscribers	(In Rs. crore)
1.	Central Government	11,55,307	18,693
2.	State Government	16,84,649	11,741
3.	Private Sector	2,27,181	1,529
4.	NPS-Lite	19,23,851	604
Total		49,90,988	32,567
Till date 8,817 Tier II accounts have been activated

Status of Implementation of NPS by various States	Number of States
Total Number of States	28
Number of States joined NPS	23
States notified joining NPS but are yet to adopt NPS architecture 2 (Maharashtra, Tamil Nadu)	2
States yet to notify NPS (West Bengal, Keralab, Tnpura)	3
* Kerala has indicated n-pnnciple approval for joining NPS w.e.f. 01.04.2013

Source: www.pfrda.org.in
[http://pfrda.org.in/writereaddata/linkimages/NPS%20Status%20-May2013721280868.pdf]

RATES OF INCOME-TAX AS PER FINANCE ACT, 2013

As per the Finance Act, 2013, income-tax is required to be deducted under Section 192 of the Act from income chargeable under the head "Salaries" for the financial year 2013-14 (i.e. Assessment Year 2014-15) at the following rates:

2.1 Rates of tax

A. Normal Rates of tax:

S. No	Total Income	Rate of tax
1	Where the total income does not exceed Rs. 2,00,000/-.	Nil
2	Where the total income exceeds Rs. 2,00,000 but does not exceed Rs. 5,00,000/-	10 per cent of the amount by which the total income exceeds Rs. 2,00,000/-
3	Where the total income exceeds Rs. 5,00,000/- but does not exceed Rs. 10,00,000/-.	Rs. 30,000/- plus 20 per cent of the amount by which the total income exceeds Rs. 5,00,000/-.
4	Where the total income exceeds Rs. 10,00,000/-.	Rs. 1,30,000/- plus 30 Per cent of the amount by which the total income exceeds Rs. 10,00,000/-

B. Rates of tax for every individual, resident in India, who is of the age of sixty years or
more but less than eighty years at any time during the financial year:

S. No	Total Income	Rate of tax
1	Where the total income does not exceed Rs. 2,50,000/-	Nil
2	Where the total income exceeds Rs. 2,50,000 but does not exceed Rs. 5,00,000/-	10 per cent of the amount by which the total income exceeds Rs. 2,50,000/-
3	Where the total income exceeds Rs. 5,00,000/- but does not exceed Rs. 10,00,000/-	Rs. 25,000/- plus 20 per cent of the amount by which the total income exceeds Rs. 5,00,000/-.
4	Where the total income exceeds Rs. 10,00,000/-	Rs. 1,25,000/- plus 30 per cent of the amount by which the total income exceeds Rs. 10,00,000/-

C. In case of every individual being a resident in India, who is of the age of eighty years or
more at any time during the financial year:

S. No	Total Income	Rate of tax
1	Where the total income does not exceed Rs. 5,00,000/-	Nil
2	Where the total income exceeds Rs. 5,00,000 but does not exceed Rs. 10,00,000/-	20 per cent of the amount by which the total income exceeds Rs. 5,00,000/-
4	Where the total income exceeds Rs. 10,00,000/-	Rs. 1,00,000/- plus 30 per cent of the amount by which the total income exceeds Rs. 10,00,000/-

2.2 Surcharge on Income tax:

The amount of income-tax shall be increased by a surcharge @10% of the Income-tax on payments to an individual taxpayer, if the total income of the individual exceeds Rs 1 crore during FY 2013-14 (AY 2014-15). However the amount of Surcharge shall not exceed the amount by which the individual’s total income exceeds Rs 1 crore and if surcharge so arrived at, exceeds such amount (assessee’s total income minus one crore) then it will be restricted to the amount of total income minus Rupees one crore.

2.3.1 Education Cess on Income tax: The amount of income-tax including the surcharge if any, shall be increased by Education Cess on Income Tax at the rate of two percent of the income-tax.

2.3.2 Secondary and Higher Education Cess on Income-tax: An additional cess is chargeable at the rate of one percent of income-tax including the surcharge if any, but not including the Education Cess on income tax as in 2.3.1.

3. SECTION 192 OF THE INCOME-TAX ACT, 1961: BROAD SCHEME OF TAX DEDUCTION AT SOURCE FROM "SALARIES":

3.1 Method of Tax Calculation:

Every person who is responsible for paying any income chargeable under the head "Salaries" shall deduct income-tax on the estimated income of the assessee under the head "Salaries" for the financial year 2013-14. The income-tax is required to be calculated on the basis of the rates given above, subject to the provisions related to requirement to furnish PAN as per sec 206AA of the Act, and shall be deducted at the time of each payment. No tax, however, will be required to be deducted at source in any case unless the estimated salary income including the value of perquisites, for the financial year exceeds Rs. 2,00,000/- or Rs.2,50,000/- or Rs. 5,00,000/-, as the case may be, depending upon the age of the employee.

DA over 100% - List of allowances would enhance once again by 25%

Shortly DA would cross 100 percent. Once again, all allowances would enhance by 25%

As per the information received, unlike previous time, decision on DA would be taken by Cabinet Committee Meeting without delay. Subsequent to release of AICPIN for the month of June by Labor Bureau, Finance Ministry would send for the approval of the Cabinet for final decision on DA. After obtaining the approval, Finance Ministry would release the specific orders procedurally for disbursement of money.

Additional DA will be paid along with the salary of this month

The arrears for the month of July and August would also be paid. With the increase of DA by 10%, the total amount of DA would enhance and stay at 90%.

By next year, it would cross 100%. During that period, as pointed out in the 6th Central Pay Commission, certain allowances would enhance by 25%. But, that is not the expectations of the Central Government Employees. Their requirements are merger of DA with Basic Pay.

Towards this matter, Central Government has briefed on many occasions in the Parliament.

At present, Central Government is thinking of bringing change in the AICPIN calculation system. In which way, this would pose impairment can not be ascertained at present. Not only the Central Government Employees but also the State Government employees anticipate the announcement of increase of DA percentage. This has become an eager expectations of more than a crore of employees.

As per the last 5th Central Pay Commission recommendations, once the DA crosses 50%, that has to be merged with Pay. But it is a sorrowful affair that such type of recommendation is not made in the 6th Central Pay Commission. 

Instead of this, the recommendation for enhancement of some allowances by 25%, given, which would not be sufficient.

The expectation of the Central Government Employees is merger of DA with basic pay once it crosses 100%.

Whether this expectation would materialize?  

The allowances which are going to by hiked are as given below:

1. Children Education Allowance including Hostel Subsidy, etc.

2. Special Allowance

3. Cash Handling Allowance

4. Washing Allowance

5. Split Duty Allowance

6. Bad Climate Allowance

7. Special Compensatory (Remote Locality) Allowance

8. (a) All components of Daily allowance on tour, 

    (b) Mileage Allowances for road and bicycle journeys on tour

9. Special Compensatory (Hill Area) Allowance

10. Special Comp. Scheduled Tribal Area Allowance

11. Project Allowance

12. Fixed Conveyance Allowance

13. Cycle Maintenance Allowance

14. Special Allowance for Child care for women with disabilities

15. (a) Advance for purchase of Bicycle 

      (b) warm Clothing Advance 

      (c) Festival Advance 

      (d) Natural Calamity Advance

16. Desk Allowance

Disclosure of personal information under the RTI Act, 2005.

No.11/2/2013-IR (Pt.)

Government of India

Ministry of Personnel, Public Grievances & Pensions

Department of Personnel & Training

North Block, New Delhi,

Dated the 14th August 2013

OFFICE MEMORANDUM

Subject: Disclosure of personal information under the RTI Act, 2005.

The Central Information Commission in one of its decisions (copy enclosed) has held that information about the complaints made against an officer of the Government and any possible action the authorities might have taken on those complaints, qualities as personal information within the meaning of provision of section 8 (1) (j) of the RTI Act, 2005.

2. The Central Information Commission while deciding the said case has cited the decision of Supreme Court of India in the matter of Girish R. Deshpande vs. CIC and others (SLP (C) no. 27734/2012) in which it was held as under:-

“The performance of an employee/Officer in an organisation is primarily a matter between the employee and the employer and normally those aspects are governed by the service rules which fall under the expression personal information, the disclosure of which has no relationship to any public activity or public interest. On the other hand, the disclosure of which could cause unwarranted invasion of the privacy of that individual." The Supreme Court further held that such information could be disclosed only if it would serve a larger public interest.

3. This may be brought to the notice of all concerned.

End: As above.

sd/-

(Manoj Joshi)

Joint Secretary (AT&A)

Source: www.persmin.nic.in

[http://ccis.nic.in/WriteReadData/CircularPortal/D2/D02rti/11_2_2013-IR-Pt.-14082013.pdf]

Guidelines and ceiling limit for Liver Transplant Surgery in respect of beneficiaries of Railway Medical Attendance Rules / RELHS.

GOVERNMENT OF INDIA

MINISTRY OF RAILWAYS

(RAILWAY BOARD)

No. 2010/H/6-1/POLICY (Liver Transplant)

New Delhi, dated :- 28.06.20l3

General Managers
All Indian Railways
(Including PUs).

Sub :- Guidelines and ceiling limit for Liver Transplant Surgery in respect of beneficiaries of Railway Medical Attendance Rules / RELHS.

The issue of laying down uniform guidelines to be adopted for Liver Transplant Surgery of Railway Health beneficiaries has been engaging attention of Ministry of Railways for sometime. After careful consideration of the matter, it has been decided to stipulate the under mentioned guidelines for adoption in all cases of Liver
Transplantation :-

1. Selection Criteria

A. Indications
(i). Adult Liver diseases

Acute liver failure	Non-Paracetamol (Viral, drug, induced, Wilson’s, Autoimmune hepatitis etc.)	Prothrombin time >100 sec or 3 of 5: Interval jaundice-encephalopathy > 7 days Age < 10 or > 40 Years Prothrombin time > 50 sec. / INR > 3.5 Bilirubin > 30 umol/1 Cause non-viral or unknown.
	Paracetamol induced	Arterial Ph <7.30 or all 3 criteria Encephalopathy grade III or IV Prothrombin time >100 sec./INR > 6.5 Creatinine >300 umol/I
Chronic Liver disease	Cirrhosis (Non- Cholestatic)	Child-Pugh score >or equal 10 or Meld Score > 14
	Cholestatic with or without Cirrhosis	According to American criteria based on MELD scoring
	Miscellaneous	case to case basis
Liver Tumors	Hepatocellular Carcinoma	Single Tumor <6.5 cm or Two Tumors < or equal 4.5 cm No Vascular invasion No distant Metastasis
	Other types	Case to case basis

2. Pediatric Liver diseases: - EHBA and Metabolic Liver Disease to be decided on case to case basis. 

B. CONTRAINDICATIONS

Absolute	Systemic extra hepatic infections Extra hepatic malignancy (if not definitely cured) Irreversible brain damage Irreversible multi-organ failure Substance abusc ( if not abstinent for > 6 months)
Relative	HIV seropositivity Age > 65 years Mental incapacity Extra hepatic disease limiting the chance of survival Residency outside India (unless emergency)

2. Type of Transplant: permitted for reimbursement.

(a) Cadaveric donor

(b) Live donor

      i.Related 

      ii. Unrelated 

3. Centres Approved for Liver Transplantation Surgery 
Liver Transplant Surgery shall be allowed only in Government Hospitals/ Pvt. Hospitals, which are registered under the Transplantation of Human Organs Act, 1994, as amended from time to time.

4. Documents required to be submitted for consideration of permission for liver transplant surgery

(i) Recommendation by Govt. / RIy. Gastroenterolgist/GI Surgeon.
(ii) CT/ MRI Liver report.
(iii) Etiology evaluation report.
(iv) Histopathological report, wherever available.
(v) Current Child Pugh/MELD score report.
(vi) Other relevant document.

5. Package Charges for Liver Transplantation Surgery
a) Package rate for Liver Transplantation Surgery involving live Liver donor shall be - Rs. 14,00,000/- (Rupees Fourteen Lakhs only). This would include Rs.2,50,000/- (Rupees Two Lakhs Fifty Thousand only) for pre-transplant evaluation of the donor and the recipient and Rs. 11,50,000/- (Rupees Eleven Lakhs Fifty Thousand only) for transplant surgery.

b) Package rate for Liver Transplant Surgery involving deceased donor shall be Rs.11,00,000/- (Rupees Eleven Lakhs only).

The above package includes the cost of consumables during the organ retrieval and the cost of preservative solution etc. The package charges also include the following:

(i) 30 days stay of the recipient and 15 days for the donor starting one day prior to the transplant surgery.

(ii) Charges for Medical and Surgical Consumables, surgical and procedure charges, Operation theatre charges, Anaesthesia Charges, Pharmacy charges etc.

(iii) Investigations and in-house doctor consultation for both donor and recipient during the above period of stay.

(iv) All post operative investigations and procedures during the above mentioned period.

C) The package shall exclude the following :-
Charges for drugs like Basiliximab/Daclizumab, HBIG, and peg interferon.Cross Matching charges for Blood and Blood products.

d) (i) The extra stay if any may be sanctioned/reimbursed after justification by the trcating specialists for the reason of additional stay and only as per Railway RMA/RELHS guidelines.

(ii) The drugs mentioned above would be reimbursed as per CGHS rates or actual whichever is lower.

6. Reimbursement Criteria:
As Liver Transplant Surgery is a planned surgery and, therefore, prior permission has to be obtained before the surgery is undertaken. However, if for some reason it is done in emergency to save the life of the patient, the medical board shall consider the case referred to it for recommending grant of ex-post-facto permission on a case to case basis.

7. Procedure for Sanction:
CMD of the zone shall nominate Medical Board comprising of a CMS/MD as the Chairman and two specialists each from Gastroenterology and GI Surgery as members which will recommend for Liver Transplantation. The proposal for financial sanction would be considered in consultation with finance of the zone and approval of General Manager before forwarding the same to Railway Board for sanction.

8. Other terms & conditions for payment of advance as per instructions laid down by this office from time to time will remain unchanged.

9. This issues with the concurrence of the Finance Dte. of Ministry of Railways.

10. These guidelines shall come into effect from the date of issue of this letter.

sd/-

(Dr.S.K. Sabharwal)

Executive Director, Health (G)

Railway Board

This New System will Improve Customer Convenience and Empower the Common Man: Kharge

   The Minister of Railways Shri Mallikarjun Kharge launched SMS based ticketing system at a function here today. While addressing a gathering on the occasion, Shri Kharge said that this user-friendly service which will be effective from today i.e 28th June 2013, is being introduced in order to further improve the customer convenience and empower the common man who does not have access to internet and cannot afford to buy smart phones. He said that since the mobile penetration in India has increased rapidly and more than 80 per cent people have mobile phones, this new system will be helpful in enabling booking of tickets by masses themselves. Ticket booking through non-internet based mobile, introduced as a pilot project by Indian Railways Catering & Tourism Corporation (IRCTC), a Public Sector Undertaking of the Ministry of Railways, will also help Railways in overcoming the menace of touting whereby unsuspecting people are fleeced by such elements. This will particularly be useful for labourers and workers staying away from their home and who have to book tickets for travel to their native place, the Minister added.

   The Railway Minister further said that inconvenience in booking reserved railway tickets has been a cause of concern for all.  In order to facilitate easy access, Indian Railways have been making efforts by expanding the    passenger reservation system counters network.  The online booking through IRCTC has now grown up to about 45% of total reserved tickets.  This has eased the rush at counters to a great extent. While internet access in India is only about 10%, mobiles are now in easy reach and more than 80% people in our country use mobile phones, the Minister said.

   Speaking on the occasion, Chairman, Railway Board, Shri Vinay Mittal said that Indian Railways’ initiative of launching the non-internet based ticketing through a mobile phone would further enhance the scope and each of ticketing since it has huge potential to tap the power of mobile phone. Shri Mittal said that this service will be improved further with provision of more payment options, user-friendly interface and value added services like alerts and updates. Payment through mobiles is still in an evolving state and Commercial Banks, RBI and National Payment Corporation of India are working on providing a safe, secured and quick payment mechanism through mobile. As the payment option mature and user gets accustomed to SMS booking, it has the potential of overtaking bookings through internet as well as counters, he added.

   In his welcome address, the Chairman-cum-Managing Director, IRCTC, Shri Rakesh Tondon said that this is, indeed, IRCTC’s successful effort in making railway ticket booking even easier through SMS or menu based USSD technology which works on all mobile phones.  Through this service, customer can not only book ticket but also can search for stations, trains, availability, PNR enquiry, make cancellation etc, he added.

   Launch of ticket booking service through mobile phones had been announced in Railway Budget 2012-13.    This initiative will go a long way in customer convenience.  With the passage of time, it is expected that mobile booking will surpass reserved ticket booking by all other modes like internet and counters.  Mobile booking is not only convenient but it also saves time and money.  The user will have to get mobile money account opened from his/her bank or mobile money providing agencies as approved by the Reserve Bank of India.

The key features of ticket booking on mobile:
·         Ticket can be booked within minutes;
·         basic mobile phones are sufficient; no internet connection is required;
·         The user will get ticket details on SMS instantly.
·         SMS along with valid ID in original can be used for travel, no printout is required.
 
Book your ticket through USSD:
USSD (Unstructured Supplementary Service Data) based booking for Airtel subscribers*
Registration
•     Register for Airtel money by dialing *400#.
•     Load cash on this or recharge from any Airtel money outlet.
Booking Flow
•     Dial *400# and select book tickets option.
•     Select Reservation.
•     Enter your IRCTC User ID.
•     Enter the details of ticket (station, train no. date of journey, class etc.).
•     Enter mPIN for authorizing payment.
•     Booking confirmation SMS is sent by IRCTC and same can be used during journey along with valid ID proof.
•     Fare & IRCTC service charges are debited from your Airtel money account.
•     Charges: No PG Charges.
•     Agent / IRCTC Service Charges: As applicable
Helpline No.: 121
Helpline Email : 121@airtelmoney.in
Book your ticket through SMS:
1. SMS based booking through 139*
Registration
•     Register your mobile number with IRCTC as well as with your bank.

•     Bank provides MMID (Mobile Money Identifier) & OTP (one time password) for authorization of payment.  (More than 25 banks are providing this facility. For details, visit website:  http://www.npci.org.in/bankmember.aspx.)

Booking Flow

•     Send SMS, in the following syntax, to 139
       BOOK <TrainNo><FromStn.Code><ToStn.Code> <TravelDate (DDMM)><Class><Passenger-Name><Age><M/F>

•     You will receive Transaction ID alongwith other details.

•     Make payment through sending an SMS, in the following syntax, to 139
      PAY <Transaction ID as received><IMPS><Your MMID as received from the bank><OTP, your one time password received for this transaction><IRCTCUserID> and your ticket is booked.

•     Service is available to all mobile subscribers.
•     SMSes @ Rs 3/- per SMS (2 SMSes are required for each booking).
•     PG charges Rs 5/- for ticket amount <Rs 5000/ and Rs 10/- for ticket amount > Rs 5000/- (as applicable by bank).
•     Agent / IRCTC Service Charges: As applicable
Helpline No.: 139
Helpline Email : smsticket139@bharatbpo.in
2. SMS based booking through 5676714*
Registration
•     Register your mobile number with IRCTC as well as with m-wallet (http://www.zipcash.in/user/nlogin.aspx)
•     Send SMS, to 5676717, in the following syntax START <irctc user Id> for user authentication (first time only)
Booking Flow

•     Send an SMS to 5676714 to book a ticket in the following syntax:
      BOOK<From stn.code>,<to stn.code>, <DDMMYY>, <Trainno>,<Class>,
      <passenger name>,<age>,<M/F>

•     You will receive the Transaction number.

•     Send the 2nd SMS, for payment, in the following syntax.

1.   “PAY <transaction no>, MPAY, <m-PIN>” for authorizing payment through MPAY
or

2.   “PAY  <mobileno>,<mmid>,<amount>, <transaction Id>,<OTP>” for authorizing payment through IMPS.

•     After payment is made booking confirmation is sent to your mobile.

•     Charges: No PG Charges. Agent / IRCTC Service Charges: As applicable. SMSes @ Rs 3/- per SMS (2 SMSes are required for each booking).

Helpline No. : 8882001001
Helpline Email : support@saarthii.com
3. SMS based booking through BSNL*
User should have the following:
1.   BSNL SIM card installed.
2.   Java enabled mobile phone.

3.   Andhra Bank Prepaid card.
      This is a menu driven application where user has to enter the details asked for in simple step-by-step process to get the ticket.
 
Registration

•     Install the application.
•     Select the Register option to get the mPIN.
Booking
•     Click the icon BSNL Prepaid Card
•     Select Ticketing > Train (IRCTC)
•     Fill up the journey details such as From stn, To Stn, Train No, DOJ, Class, Quota, passenger details.
•     Enter the mPIN to get the ticket information.
•     Charges: No PG Charges. Agent / IRCTC Service Charges: As applicable. SMSes without charges.
Helpline No. : +91-8801298038
Helpline Email : bsnl.support@pyrogroup.com
PIB