disha mar 2011
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Monthly magazine of Baddi, Barotiwala, Nalagarh Industries AssociationTRANSCRIPT
DISHADISHABBNIA's
MARCH 2011
S H O W S Y O U T H E W A Y !
A publication of
12 One personCompany 14 Production
Insurance 15 Palliative Care goesbeyond Medication
ESICorporation Jubilee6
44COVER STORY
Inclusive Growth:A Necessity ofOur Times
Inclusive Growth:A Necessity ofOur Times
COVER STORY
BBN Industries Association
HR & CSR COMMITTEE
Mr. Manohar Tegta
Mr. Agosh Gopalan
Ms. Poonam Sharma
Mr. Chandan Dogra
Mr. Pradeep Sharma
Mr. L.K. Sharma
Mr. Ajay Bhasin
Mr. G.S. Mann
TAXATION COMMITTEE
Mr. Sumeet Sharma
Mr. M.S. Rizvi
Mr. H.C. Marwaha
Mr. Ashok Kumar Jain.
TRANSPORT COMMITTEE
Mr. Deepak Bhandari
Mr. Vijay K. Arora
Committee Chairs
POWER COMMITTEE
Mr. Shailesh Aggarwal
Mr. Rajiv Aggarwal
Mr. Anmol Rattan Sharma
Mr. Puneet Passi
SAFETY & ENVIRONMENT COMMITTEE
Mr. Ashok Agrahari
Mr. Yash Pal Singh
Mr. Neeraj Pathak
INFRASTRUCTURE COMMITTEE
Mr. C.N. Dhar
Mr. Sanjay Bhasin
Mr. Vipin Gupta
Mr. Mahendera Tandon
COMMITTEE ON MSME
MR. M.P. SHARMA
MRS. MADHURI BANSAL
MR. KARUN KASHMIRI
MR. N.P. KAUSHIK
MR. VISHAL THAKUR
MR. RAJESH SOOD
MR. VISHAL THAKUR
MR. J.B. GOEL
PRINTING & PUBLICATION COMMITTEE
Mr. Sanjay Khurana
Mr. Sandeep Verma
Ms. Poonam Sharma
Mrs. Bhavana Dogra
PresidentMr. Rajender Guleria
President ElectMr. Arun Rawat
AdvisorMr. Deepak Bhandari
Sr. Vice PresidentsMr. Vijay K. AroraMr. C. N. Dhar
General SecretaryMr. Y.S Guleria
Organizing SecretaryMr. Ashwany Sharma
Vice PresidentsMr. H.C. MaheshwariMr. Ashok AgrahariMr. Shailesh AggarwalMr. Sanjay BhasinMr. Rajiv Aggarwal
Vice-Presidents-cum-ChairmenMr. M.P. SharmaMr. Manohar TegtaMr. Rajesh BansalMr. Mukesh JainMr. Sumeet Sharma
Joint SecretariesMr. A. K. JainMr. Sandeep Verma
Secretary FinanceMr. Vipin Gupta
Secretary MediaMr. Sanjay Khurana
Legal AdvisorMr. Brajesh Saklani Advocate
EXECUTIVE MEMBERSMr. Agosh Gopalan
Mr. Manohar Tegta
Mrs. Bhavana DograMr. Jagdeep SinghMr. L.K. SharmaMr. M.L. SharmaMr. N.P. KaushikMr. Pardeep SharmaMr. Rajesh SoodMs. Poonam SharmaMr. Ram Gopal AggarwalCol. S.K. TarnachDr. S.K. DixitMr. Vishal ThakurMr. Vinod KhannaMr. Yogesh Thakur
Mr. S.K. ThakurMaj. Sachan Kr. SainiMr. Karun KashmiriMr. Anil SharmaMr. Harish SharmaMr. M.S. RizviMr. Anmol Rattan SharmaMr. Mahendra TandonMrs. Madhuri BansalMr. Vivek SharmaMr. Amit SharmaMr. Dinesh Jain
PHARMA COMMITTEE
Mr. Rajesh Bansal
Mr. Sanjay Dhadwal
Mr. S.D. Dixit.
TEXTILE COMMITTEE
Mr. Vijay K. Arora
Mr. S.K. Thakur
PACKAGING COMMITTEE
Mr. Mukesh Jain, Convenor
Mr. R. Kochhar
Functional Committee Convenors
Patrons
N.K. Juneja Patron
Sachit Jain Patron
Joginder KhannaPatron
R.K. Rewari Patron
Atma Ram Singh Patron & Immediate
Past President
Amir SinghPatron
Office Bearers
Sanjay KhuranaSecretary Media
Sandeep VermaJoint Secretary
A.K jainJoint Secretary
Manohar TegtaVice Presidentcum-Chairmen
Rajiv AggarwalVice President
Rajesh BansalVice Presidentcum-Chairmen
M.P. SharmaVice Presidentcum-Chairmen
Sumeet Sharma Vice Presidentcum-Chairmen
Mukesh JainVice Presidentcum-Chairmen
Y.S. GuleriaGeneral Secretary
Ashok AgrahariVice President
H.C. MaheshwariVice President
Shailesh Aggarwal Vice President
Ashwany SharmaOrganising Secretary
Vipin GuptaSecretary Finance
Rajinder Guleria President
Vijay K. AroraSr. Vice President
Deepak BhandariAdvisor
C.N. DharSr. Vice President
Arun RawatPresident Elect
Sanjay BhasinVice President
EXECUTIVE COMMITTEE 2011-12
PATRONSMr. Sachit JainMr. R.K. RewariMr. N.K. JunejaMr. Joginder KhannaMr. A.R. SinghMr. Amir Singh
FROM THE DESK OF THE EDITOR
The key to happiness is having dreams. The keyto success is making your dreams come true. 1March 2011
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h h BMa es hasin
In this issue
When we meet and havenothing special to say
Copyright © 2011 Disha. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations.Views and opinions expressed in this publication are not necessarily those of the magazine
March 2011 Published monthly by Baddi Barotiwala Nalagarh Industries Association(BBNIA)
When we meet and have nothing special to say, we simply talk about the weather,
the deteriorating political scene, increasing corruption, inflation, our families, movies
and other subjects that are routine in nature and on which we cannot contribute to
bring a change. That is what we call talking out of the cuff.
We have written the above lines in the hope that what was intended to be
conveyed in Disha was not taken as casually because we were discussing matters of
serious concern. For instance in November issue we said “Everything becomes possible
the moment you cross the boundaries of impossibility” and we have proved it by
bringing out “Disha” every month which was believed to be simply impossible.
In December issue we brought out under “BBNIA – The Helping Hands”,
instances whereby BBNIA as an Association could reach out to the society. On similar
lines in January, we took up a case where our fellow members were engaged in social
activity as a part of their CSR. Contributions for CSR may soon be made mandatory as
is now discussed in our cover story. The February issue stressed about maintaining our
dignity and lifestyle to show “The rich must live more simply so that the poor can simply
live”. And in all the issues above the material included was of the nature which was
appreciated by our own members and outsiders including governmental organizations.
We are thankful to one and all individually and collectively. The March issue, now in
your hands is intended to raise an “Open House Discussion” on a topic not discussed
in any paper before. “PRODUCTION INSURANCE” requires a detailed discussion to
enable the Industry to broach the subject with the authorities.
It is easy to say it is difficult or not possible. But let us give it a trial. We are also
discussing important matters regarding “Social Security” and “One Person
Company” and request the readers to forward their opinion to Editor, Disha.
COVER STORY4 Inclusive Growth A Necessity of Our Times6 ESI Corporation Jubilee
THINK TANK2 From the desk of the president2 President Elect writes
Aspiration7 CII Suggestions for Budget
Monthly Quiz7 Monthly Quiz March 2011
Tourism in HP8 Home stay for Tourists
CASE IN POINT14 Production Insurance
BBNIA NEWS IN BRIEF9 Pre-Budget Memorandum to Government of Himachal Pradesh9 Responding to CSR
BBNIA Point of Intrest12 One person Company12 Transaction cost in Exports
Social Health13 Wellness Van Service for ESI
LIFE MATTERS15 Learn to say “No”15 Wood Cutter Story 15 Sacred Space HEALTH MATTERS16 Palliative Care goes beyond Medication
Rajender GuleriaPresident, BBNIA
Arun RawatPresident Elect, BBNIA
THINK TANK
Raje d r ulerin e G a
March 20112 The two hardest things to handlein life are failure and success.
BN area has emerged as major investment destination for who's
who of industry in last 7 years. Every major consumer goods Bindustry including pharmaceutical has established their works
in this area but apprehensions about their future plans are often aired by
media after expiry of package. The government has taken significant
steps to make this investment sustain for long term but quite a lot is still
to be done to make the industry competitive in long run. Some of these
issues have been presented to the Himachal Pradesh government as a
part of our pre-budget memorandum, which focuses primarily on
connectivity to the town, empowerment of BBN Development
Authority, delegation of powers to Deputy Director Industries Single
Window Clearing Agency, Barrier Management, revamping of various
other infrastructural issues, etc. One of the major issue had been hiking
of electricity duty by the state government recently, which is one of the
highest compared to many other states in the country at 20 percent,
which would be a disincentive for the investors and hamper further
industrial development in BBN.
The socio-economic growth and new investments can only be
attracted in this area once the infrastructural bottlenecks are removed
whether it is four-laning of Pinjore Nalagarh road which is pending since
long, or the new linkage to NH22 from Barotiwala, railway and metro link
to Chandigarh, etc. It is also high time that BBNDA is made into an
autonomous authority and provided a seed capital of Rs.200 crore to
initiate development projects. Similarly the Deputy Director Industries
Single Window Clearing Agency at Baddi requires more power for better
administration and prompt action. BBNIA has also requested concerted
cleanliness drive with strengthening of sewerage system, putting into
place municipal solid waste management, provision of exhibition
ground, a sports stadium, a good school and a hospital, truck parking
areas, labour hostel at Nalagarh, etc. The creation of a subdivision at
Baddi would further help in easing the inconvenience and harassment
that industry faces to get their work done at Nalagarh. There are host of
issues which have been comprehensively been dealt in the
memorandum presented to the state government, and we do hope that
firm action would be taken to keep the momentum of development in
BBN area.
ost of us were worried of the budget for 2011-12
and it was felt that we are in for a heavy dose of Mtaxes. But what has now come out is generally
accepted as a forward looking and a balanced budget for many
reasons. Some of logics advanced to say budget is good relate to
retaining of levy of service tax and excise duty at 10 per cent.
Reduction of custom duty on iron ore and yarn, stress on
infrastructure development, allocations for agriculture and
related products, Capital infusion in Banks, Women's self help
group Development Fund, Environmental Schemes, Education,
Clean Energy, relief in Corporate surcharge and a few other have
been talked about in the budget as is always done.
Small time relief is given to Aanganwari workers, salaried
persons, old age persons, pension to BPL categories, cash
payment of subsidy on LPG and Kerosene to BPL families, and
some more. What is not evident from the budget is the way the
“aam aadmi” stands to gain who is presently reeling under heavy
cost of eatables and items of everyday use.
Nothing has also been said about the manner in which rise in
cost of Petrol and Diesel in the current global market is to be
offset when there is no reduction either in customs duty or excise
duty. Increase in cost of Petrol in general and diesel in particular
will cause a spurt in price of consumable and other inputs. It is
also obvious that when subsidy on LPG and Kerosene is to be
allowed to the BPL families only, cost of LPG Cylinder for majority
of users will go as high as Rs. 700 per cylinder.
The Budget 2011-12 may have to be examined in detail to
find where all we stand to gain (or loose). The preliminary reading
suggests that the industry is not discussed in the budget and as
such it is not understood as to how the Industrial growth
targeted at 11 per cent in 2011-12 will be achieved. Mahatama
Gandhi said “when we formulate any policy we should imagine
the face of the poorest and see what benefit he is getting on its
implementation”. Unfortunately it's other way round.
...........................................................................................................
Pre- Budget Memorandumto Government ofHimachal Pradesh.
Arun Rawat
Mahatama Gandhi has saidto the policy makers that“when we formulate anypolicy we should imaginethe face of the poorest thatwhat benefit he is getting onits implementation”.Unfortunately it's other wayround.
It is easy to get to the top after youget through the crowd at the bottom. 3March 2011
C O V E R S T O R Y
nclusive Growth no more means CSR nor
does it means Corporate Philanthropy, in Ipresent times it means availability of an
equal opportunity to all sections of the
Society so as to excel together and
contribute towards growth of a country.
This can only happen where the rich are
compassionate to the sufferings of poor:
where the educated wish to educate the
il l iterate; where those who eat a
wholesome meal think of those who
remain hungry and fatigued.
It is of paramount importance to
understand by each stake holder of the
society and Corporate Houses in particular,
that we need to narrow the gap between
class and mass, lower the disparity levels
between the rich and the poor. The level of
the less & under privileged sections need to
Why necessary?
be raised to match with the privileged class
so that each one of us works for the growth
of our nation irrespective of the caste,
cadre, creed or the state to which one
belongs.
The irony of our country is that Top 10
Billionaires holds 12% of India's wealth,
against 9% in Germany, 5% in Brazil and
meager 1% in China. The need of hour is to
unlock this wealth concentrated among
few so that the entire society is able to
participate in growth process.
One of the foremost steps needed in
our country for inclusive growth to succeed
is to empower our women, tribal and rural,
by increasing their education levels. We
must also try to develop manufacturing &
service industry near our villages so as to
provide necessary opportunity for our rural
population to grow professionally and
financially. Another step required is to
increase their awareness about health and
sanitation.
It is equally necessary that in addition to
education of the masses we should be able
to sensitize our society about corruption so
that people do not indulge in it and those
who do so are discouraged not under force
of law but under pressure from those who
are forced to offer gratification. Corruption
is eating at the roots of our democracy
added to which is our legal system that
takes years to decide cases of default. But all
said and done, we have to continue with
our efforts to go up the ladder rather than
For a country like Indiawhich is still growing, itcannot be expected thatthe government canmeet all the requirementsof every citizen of thecountry. Its economy isinsufficient to provide forbare necessities leavealone the luxuries.
INCLUSIVE GROWTHA Necessity of Our Times
stand at the bottom and count the steps
we are yet to climb. The corporate sector
can help the country to achieve optimum
results by their participation.
The government, both at the centre
and the state are seriously devoted to uplift
those left behind due historical or hereditary
reasons, by introducing a number of welfare
schemes so that all those left behind can
become useful members of the society
instead of being a burden as they are today.
Unfor tunately, these governmental
schemes are at times initiated not because
of a real necessity but only to garner vote
bank of the party that governs. And still
more unfortunate is the fact that a chunk of
the allocated funds go down the drain due
mainly to high rate of corruption and /or
wrong selection of the beneficiaries.
For a country like India which is still
growing, it cannot be expected that the
government can meet all the requirements
of every citizen of the country. Its economy
is insufficient to provide for bare necessities
leave alone the luxuries. This being so, it is
undoubtedly incumbent on the affluent
individuals or a group of such individuals to
share responsibilities of the State for the
progress of its citizens and the country. Such
a sharing borne out of a feeling for growth
for our nation when matched with help
from the Corporate Sector is what inclusive
growth means.
The biggest anomaly of our country is
that 80% of our population in the
agriculture sector is just able to contribute a
maximum of 4% to our growth and that too
when we have a reasonably good
monsoon. The balance 20% population,
which is engaged in manufacturing, trade
or services, contributes 8 to 9% meaning
thereby that the entire population is
dependant on the revenue generated by
20%. Unless we are in a position to reduce
the disparities between different sectors of
What is holding?
our society and can raise the stature of all
those who presently fail to help in our
growth, the progress of the nation shall
remain retarded. In the present days of
global competitions, we cannot allow any
retardation in our economy at the social or
the professional level and have to ensure
that as we grow so does the nation. It is a
responsibility that we cannot ignore.
The countries of the western world and
even China are able to grow inclusively only
because the population of those countries
has lesser disparity level among themselves
and more or less have equal opportunities
available for each due mainly to the
awareness of education among the citizens
of these countries, specially the women.
Every individual is the arm of the
administrative or the corporative wheel of
progress which is missing in our case.
CSR means that
the Corporate Sector should take on
business responsibilities which in addition
to being profitable for them are also
profitable to those who provide the where-
withal to grow.
For instance, those in the Corporate
Sector can make capital investments in
agriculture sector in addition to what is
being given by the public sector. Similarly,
targeted development of rain fed areas,
linking farmers to the market through a milk
co-operative kind of model, investments in
food processing, cold chains, packaging of
processed foods, increasing livestock
farming, fisheries, horticulture etc. are the
fields in which the corporate sector can
come in to contribute. Likewise we can
think of Information and technology which
enhance the productivity levels and help in
achieving inclusive growth by application in
fields as diverse as Education, Humanities,
Healthcare, SMEs, e- Governance,
outsourcing, agriculture and so on in the
Situation abroad
Corporate Social Responsibility- defined
In professional terms
form of public-socio-private partnership as
alternatives for supplementing the on-
going efforts of the government.
CSR means a
responsibility that is a liability on us which
needs to be discharged as meticulously as
we do so in our profession. CSR is a liability
because of a moral obligation we owe to
our consumers who purchase and promote
our products and they are from all sections
of the society. We want our business to
grow and that can happen only when the
consumers know that we care for them.
CSR is thus a medium for us to advance our
products and activities.
As more countries and corporate
organizations continue to embrace
Corporate Social Responsibility (CSR), India is
recommending a bill to the parliament to
compel corporate bodies to set aside 2% of
their total earnings for CSR every year. CSR
under the proposed Companies Bill 2009 is
designed to make it mandatory for the
Companies to spend money towards CSR
activities.
Corporate Affairs Minister Salman
Khurshid said that the Ministry has put up a
set of voluntary guidelines on CSR and
corporate governance on its website for
discussion and to elicit response and added,
"The response to our voluntary guidelines
has indicated that some people think in
some areas we should move towards
instructions, and in some areas the
voluntary guidelines are adequate,"
He further said that the government will
look at all options, including legislation, to
make more companies adopt CSR and
added, "You can't hope that everything will
work without a basic legislative line drawn.
But where that line should be drawn must
come by way of consensus from industry".
Rather than legislate on CSR, corporate
organizations believe that it should be a
In social terms,
Government View Point
Corporate Response
C O V E R S T O R Y
4 March 2011Do something everyday that you don't want to do. This is the goldenrule for acquiring the habit of doing your duty without pain.
moral burden on corporations to see CSR as
part of their business culture. The Indian
government asked all companies to provide
details of their investments made as part of
their CSR initiative during the last fiscal year.
But for all what we know, the response
was feeble and not conclusive to convince
that CSR could work voluntarily. As the
matter stands, we as entrepreneurs remain
highly insensitive to what is happening
around us and fail to cash on the
opportunities that peep at us behind our
backs.
Whether the CSR activities or Corporate
Philanthropy should be optional or
compulsory was a question posed by the
BBNIA to all its members who were
subsequently requested to intimate details
of such activities performed by them in the
recent past. Barring a couple of units like
Cipla and Torrent Pharmaceuticals, all
others ignored our request, as was also
done in a few earlier cases. Yet when we
meet and discuss, we know of such
activities by majority of us that go un-
reported. And once the CSR bill becomes
the law none of us will be in a position to
resent. May be you can say that the bill does
not effect you. But may be it will do when
your business flourishes. Then what?
The thrust on delegated legislation will
allow the ministry to push the Companies
Bil l — revised af ter receiving the
suggestions of the Parliamentary panel and
legal vetting — during the ensuring Budget
session of Parliament. The session begins on
February 21. Once the bill is passed, it shall
be made applicable to all companies with
a net worth of Rs 500 crore or more, or a
turnover of Rs 1,000 crore or more. The third
criteria was a net profit of Rs 5 crore or more
unless the government allows more
flexibilities on this account.
Delegated legislation also becomes
necessary as the Bill intends to allow scope
Effect of the Bill
for law making covering futuristic issues
such as environmental pressures, impact of
global operations of Indian firms on
domestic stakeholders, technological
collaborations, free movement of capital
etc.
In India, as expected, corporate
organizations are against the legislation on
the ground that it is another tax on
corporate bodies but the Indian
Government is insisting on going ahead
with the legislation. India may make CSR a
law.
A similar bill before the Nigerian
National Assembly to force corporate
bodies to set aside 3.5% of their annual
profit for CSR was recently dropped because
of vehement opposition by corporate
bodies which view the CSR Bill as a
misnomer and another kind of taxation on
corporate bodies.
Where the administration decides to
collect funds from affluent houses by force
of law to provide for funds for over all benefit
of the masses, it amounts to levy of some
tax even if it is earmarked for use on welfare
activities. The government functions as a
welfare state and there are so many
functions that are being attended to by it
out of its collections or from the borrowings.
Collection of CSR funds will only mean
Our Objections
5March 2011We Cannot Judge Anybody By What Others Say About Him,Because He May Have Impressed Different People, Differently.”
C O V E R S T O R Y
supplementing government revenue. Its
utilization for any defined or un-defined
activity can always raise questions as in the
case of expenditure on its other welfare
schemes. Keeping in mind the track record
of governmental funct ioning, the
entrepreneurs are not sure that the
amounts so charged will reach the hands
that it should.
Opposition to mandatory deductions
of CSR as a tax is all too obvious. The fall
back of this will retard voluntary welfare
activities presently being undertaken by
most of the business houses everywhere in
the country. Levy of CSR tax will discourage
the existing contributors for the reason that
the funds are being taken by the
government to do so. This shall result in a
feeling of neglect by the recipients of such
benefits who take these for granted for the
last many years. Withdrawal will only result
in ill will.
All of us, who are concerned with the
industrial development in H.P. or in any
other state, take up our assignment as self-
employment. That we earn some profit for a
respectable living is the natural corollary and
feel comfortable in doling out employment
to many. No project, as it is, can be taken up
as a social service project. If some such
Results
Suggestions
6 March 2011Don't use time and words carelessly.Neither can be retrieved,
C O V E R S T O R Y
benefit accrues to the society it is incidental.
We are also aware of the professional
benefits which accrue by entering in a
business venture involving sectors like
Agriculture, Health. Education etc etc , but
to do this we are bound to investigate the
input costs and its sources plus other
operational conveniences. What happened
recently to the “Nano car” project of Tatas in
Calcutta is an example of what all can
happen if the public and the governmental
support is lacking.
In the circumstances if the government
sincerely believes that the corporate houses
and others can be partners to inclusive
growth, start-up and operational hic-cups
are required to be attended to in
consultation with the prospective partners.
We hasten to add that the idea of
government for inclusive growth of all the
sectors with the participation of corporate
houses is highly laudable. It is also
understandable that for any activity to be
undertaken, funds required and its source
SI Corporation Himachal Pradesh Region thorganized Jubilee celebration on 24 of
February 2011 at Baddi under the Echairmanship of Sh. B.S. Negi Regional Director,
Himachal Pradesh Parwanoo. BBNIA was
represented by Sh. Rajender Guleria, President,
Sh. Y.S. Guleria General Secretary and Sh.
Ashwany Sharma Organizing Secretary along
with member industries.
Sh. B.S. Negi in his opening remarks detailed
the improved services being provided by ESIC in
Himachal Pradesh and went to the extent to add
that the motto of ESIC is that IP is VIP. He also
intimated that those covered under the ESI
scheme and are retired from service will continue
to avail medical facilities for themselves and their
families on payment of Rs. 10 per month.
Sh. Rajender Guleria in his address
appreciated the increase in performance of ESIC
during the last three to four years. He suggested
are necessary to be known. We believe
none in the corporate sector will perhaps be
averse to choose a profit earning project
that helps inclusive growth and/or
contribute the desired amount, even when
it is collected on principles enunciated in the
proposed bill or on similar lines. The only
cause of concern with us is that money be
properly utilized.
It is suggested that as many projects of
the government at present are being
administered on PPP mode, all activity of
inclusive growth can be experimented first
on private-socio-public management
system and made user driven project
through SPV. In that case we believe all will
join hands to make the program of inclusive
growth a success. In case such an
experiment does not succeed, the
government has all the moral right to
enforce levy under the law.
In the event of mandatory recovery of
CSR, separate fund be created as distinct
from consolidated fund so that revenue
that all Medical Claims of IPs be put on the
Website of ESIC so as to make the concerned
employees/authorities accountable for delay if
any.
He further suggested that owners of Small
and Micro Enterprises as well as Executives of
Companies be given option to register under ESIC
Act so that they too can avail benefit of health
services provided in the Hospital of ESIC. He
congratulated the ESI Corporation for its Golden
Jubilee celebrations and thanked for opening
Model Hospital at Baddi which is expected to
become operational by September 2011.
Sh. Y.S. Guleria, General Secretary and Sh.
Ashwany Sharma Organizing Secretary of BBNIA
also expressed their views on this occasion and
congratulated the ESIC on the occasion of its
Jubilee. Captt. Alok Sharma also suggested that
industries which have les than 10 workers may
be given option to enroll under ESI so that
realized and expenditure made from such
fund can be subjected to periodical scrutiny.
All deductions from CSR should be
made exempt from tax on the lines of
donations to certain institutions to enable
the corporate houses and others to
contribute funds even when these are
recovered under the law or voluntarily.
We appeal to all our readership to do a
real introspection and understand that in
present times even CSR is a redundant
phrase as we now need to move towards
Corporate Philanthropy, where each one of
us engaged in business has to dedicate
some percentage of our earnings towards
this cause , may be in whichever way one
wants to do the same so as to make
Inclusive Growth a reality in our country or
else the day is not far when even we have to
face a revolution from our under privileged
brethrens, hence lets take a pledge to avoid
such a situation………….
Any other suggestions please?
Appeal
more number of industrial workers get
benefit under the scheme.
Software for E-payment through e-
generated Challan was repor tedly
developed and facility would be available
from the month of March 2011. Mr. Negi
informed that all pending medical claims
have been cleared by the team of ESIC. In
addition, Mr Negi intimated that ESI had
organized one Health camp at Vardhman
which was very successful and that the next
Health Camp was proposed for March 10,
in Dabur at Baddi.
Briefing the press conference, Shri B.S.
Negi also informed that taking in account
increasing population in BBN area, it has
been decided to provide treatment facilities
to the general public in ESI hospitals on
payment of some user charges.
ESI Corporation Jubilee
7March 2011Don't be afraid to learn. Knowledge is weightless,a treasure you can carry easily.
Monthly Quiz March 2011
a) Name the other substance of earth
harder than the hardest of the Gems.
b) Name the country of origin of
Christopher Columbus.
c) What is the name given to the
Parliament in Japan?
d) What is “Ikebana” and to which
country it is related.?
a) Anju Boby George
b) Karnam Maheshwari
c) Leander pace
d) Vishwanathan Anand
e) Name the National Bird of India.
f) What is the medical name of study of
muscles.
g) Who gives away Nobel Awards?
e) Oneirology
f) R.K. Narayan
g) Maxim Gorky
Answer to Monthly QuizFebruary 2011
Section 10 (23G) of the Income Tax Act,
which provided tax exemption of interest
and Long Term Capital Gains in the hands of
infrastructure capital companies helped in
addressing the issue of funds for
infrastructure sector.
The provision was withdrawn in the
announcement of the Budget 2007-08 on
the ground that tax rates and interest rates
on borrowings had come down. The
ccording to CII, there is a need to
acce le rate the investment
momentum by introducing certain Ainnovative fiscal measures in budget for the
financial year 2011-12. It suggests urgent
need to boost investment in:
n
n
n
For Agriculture Sector, there is a need to
encourage private sector participation
through various tax measures by providing
tax exemption on expenses incurred on
new technology and inputs, best crop
raising practices, mobile vans exclusively
used for conducting awareness programs,
soi l test ing, residue analysis and
diagnostics.
To boost investment in infrastructure, it
will be necessary to do away with the levy of
MAT on infrastructure companies. The
definition of infrastructure under Section
80-IA should be widened to include rural-
based initiatives like water harvesting, IT
products, solar panels. The third party
developers of infrastructure projects can
also be granted tax holiday under Section
80-IA(4) as is admissible to the developers or
the company that operates and maintains
an infrastructure facility.
Agriculture
Infrastructure Development
Industrial sectors.
A s p i r a t i o n
provision should be re-introduced as the
interest rates are increasing to provide for
heavy requirement of funds by this sector.
To introduce higher investments in
industrial sector, the provisions of the direct
tax code need to be modified, like
enhancement of rate of charging
depreciation on Plant & Machinery;
extending R & D incentives available under
section 35 (2AB) to all sectors.
SuggestionsforBudgetCII
To boost investment in infrastructure,it will be necessary to do away withthe levy of MAT on infrastructurecompanies.
................................................
8 March 2011Don't run through life so fast that you forget not only,where you have been but also where you are going.
Home stay forTourists
T o u r i s m i n H P
The promoters can submit fresh proposals for approval of home stay permissions inthe countryside at anytime. Such a step will not only improve inflow of tourists butshall also result in de-congestion of urban areas that can no longer support furthertourism or have lost the interest of tourist to be retained as tourist resorts.
rof. Prem Kumar Dhumal, Chief Minister of
Himachal Pradesh, who also holds the tourism Pportfolio asked unemployed rural youth of the
state to adopt the scheme of providing home stay
facilities to the visiting tourists.
Prof. Dhumal said, that the basic idea of
introducing home stay facility scheme in rural and
tribal areas is to provide a clean and affordable place
for foreign and domestic tourists who visit Himachal
Pradesh in large number. A directory of all approved
establishments that are eligible to extend such a
facility has been prepared by the department to
enable domestic as also the foreign tourists to live in a
homely environment and be accustomed to
Himachali customs and traditions. This information of
such establishments is also available on the web-site
of the tourism department.
Elaborating on the scheme, the Chief Minister
said that private houses located in the rural areas of
the state as are easily accessible in the countryside are
eligible to register as tourist residential units. Such
houses covered under the scheme should have one or
more room's accommodation subject to a maximum
of three rooms, with attached toilet facility.
Application for registration of premises for home
stay in rural or tribal areas is to be sent to the district
tourism development officer.
The government is providing a number of
incentives to such units in the nature of exemption for
house tax and VAT on lodging and boarding charges.
Charges on change in land use are levied by the Town
& Country Planning Department are exempt and only
domestic consumption charges on consumption of
electricity and water are applied. The promoters can
submit fresh proposals for approval of home stay
permissions in the countryside at anytime.
Such a step will not only improve inflow of tourists
but will also result in de-congestion of urban areas
that can no longer support further tourism or have
lost the interest of tourist to be retained as tourist
resorts.
Tourism can obviously come up in a big way in
Himachal Pradesh by introduction of standard world
class services in the name of “Incredible India – Bed
and Breakfast Scheme.”
Can some of us think of contributing to make
India “Incredible” and favourite tourist destination
under this scheme?
9March 2011Don't be afraid to encounter risk. It is bytaking chances we learn how to be brave.
B B N I A N e w s i n B r i e f
Pre-Budget Memorandumto Government ofHimachal Pradesh
BNIA has sent a pre-budget memorandum to the state
government for the financial year 2011-12 broad lining our Bexpectations from the budget. Stress has been laid for
improving connectivity of three roads from Pinjore to Nalagarh (NH-
21A) Barotiwala to Parwanoo and Nalagarh to Ghanauli. In
addition, the government has been requested to prevail upon the
centre to provide a Railway link from Baddi to Chandigarh and
beyond and Metro link between Chandigarh to Baddi and
Nalagarh. The state government has also been requested to
provide adequate powers and financial support to the BBNDA to
make it a strong entity and make it autonomous on the lines similar
to the functioning of Noida.
BBNIA has also desired that additional powers be vested with
the Deputy Director Industries at Baddi so that the industrialists do
not have to run around Baddi and Shimla to obtain sanctions like
extension in period of implementation, permission for renting out a
portion of their building and to get their central investment subsidy
cases dealt with and decided. Other demands placed before the
government among other things include provisions for a mini-
secretariat, exhibition ground, a reputed school and multi-specialty
hospital at Baddi in addition to up-gradation of Fire Brigade at Baddi
and Nalagarh. Electricity Duty in Himachal Pradesh is highest as
compared to Punjab, Tamil Nadu, Gujrat, Delhi, Haryana,
Maharashtra and Uttar Pradesh. A request has been made to the
government to roll back the Electricity Duty to compensate the
industry for withdrawal of benefits and levy of additional taxes.
Art of Living Campimachal Pradesh Laghu Udyog Bharti, Rotary Club Baddi
and the BBNIA jointly arranged a seminar on the Art of HLiving at Baddi on 15 January 2011 addressed by senior
disciples of Sri Sri Ravi Shankar. This was followed by a three day
camp at Hotel Best Western Royal Park, Baddi in which more than
300 people participated.
On thePower Front
meeting to assess follow up action on the issues raised by
BBNIA before the HPSEBL on 10 July 2010, considered
again on 15 September 2010, was arranged on 15 AFebruary 2011 at Baddi.
Er. R.K. Sharma Chief Engineer along with Er. Rajesh Thakur SE
(OP), Solan, the Xens from Baddi and Nalagarh and the Asstt,
Executive Engineers of the Sub-Divisions were present. Er. R. K.
Sharma informed the members of the BBNIA that action on all the
matters was already taken and implementation is at the advanced
stage. It was informed that additional manpower of ten persons
each has already been placed at the disposal of Barrotiwala, Baddi
and Nalagarh Sub-Division to attend to complaints of consumers.
Elaborating on the repeated tripping in the area, the reason
given was that the supply is routed through Punjab and Haryana
and at times when some fault occurs in those areas, the supply to
us is disconnected. With distribution of power through Upparla
Nangal, likely to start in June 2011, the regular power supply is
assured.
The HPSEBL and BBNIA jointly expressed necessity to continue
with such assessments in future for better management of power
supply in the state.
health camp for handicapped persons was organized by
BBNIA with the kind help of Shri Deepak Bhandari, Advisor.
Other than routine examination, artificial limbs, caliper and Aclutches and even tricycles, free of cost, are being provided to the
needy persons. Shri Bhandari also informed that an eye check-up
camp is proposed for second week of March 2011 and an amount
of Rs.30,000 has been donated by him.
Health Camps
Responding toCSR
ipla organized several awareness programmes on diverse
topics of relevance as a part of CSR initiatives during the
year 2010-2011. Competitions like safety posters, safety CQuiz, and Essay competition for school children was conducted on
the eve of Safety Week to inculcate the safety awareness among the
school children. Drawing competitions for Primary School, Malpur
and B. L Central Public School, Baddi was organized in the month of
February 2011. First three students from each School will be
awarded a prize during the safety week celebration in March 2011.
Drawing competition in Govt Primary School, Malpur
March 201110 Don't be afraid to admit you are less than perfect.It is that fragile thread that binds us together.
B B N I A N e w s i n B r i e f
Convention Center-Cum-Club house at Baddi andWorking Men Hostel
e need a Convention Center for holding conferences
and exchange of knowledge to keep ourselves abreast Wwith the day to day developments in the industrial
fields. We also do not have for us and our families a place for
frequent meetings and day to day recreational activities.
These issues were highlighted in Disha in the recent past. Mr.
Rawat informed that we are continuing with our efforts to have a
Convention Center (& a Club House) as also to construct Working
Men Hostel and that the members are being impressed upon to
extend their whole hearted support in the matter. Brochure for
booking of rooms in the Hostel has been issued.
Pharma DrugsWithdrawal of Licences
tate Drug Controller, Licensing-cum-Controlling Authority,
Baddi has issued an order dated 16 February, 2011
withdrawing forthwith all manufacturing and loan licenses Sgranted for the following drugs:
nNimesulide Formulations 50 mg in any form. Dosage of the
drug on 100mg or above must carry a warning “Not for use below
12 years of age”.
nCisapride and its formulations for human use.
nPhenylpropanolamine and its formulation for human use.
nHuman Placental Extract and its formulations for human use.
nSibutramiune and its formulations for human use.
nR-Sibutramine and its formulations for human use.
The above orders follow prohibition of manufacture, sale and
distribution of these drugs by the Ministry of Health and Family
Welfare to the government of India by their notification dated
10.02.2011.
Street Lightingr. Arun Rawat informed the members that the Govt. is
envisaging a scheme under which the Electric Poles Mprovided by the Govt. will be installed in the premises
of industry with direction of lamps towards the road. As long as it
does not involve extra burden on the industrialists they agreed for
installation of these poles in their premises. The members, however,
desired that if the supplier department shifts the poles
subsequently for any reason or for convenience of operation, it
should ensure repair of the damage resulting from such works.
Communication and TimeManagement forRisk Management
r. Manohar Tegta, Chairman HR and CSR committee of
the BBNIA organized on 10th February, 2011 a Mworkshop on time management for risk management
at Hotel Sarover Portico Baddi. Mr. Pratap Verma, Labour cum
conciliation Officer Baddi who was the Chief Guest and key speaker
urged upon the HR Managers to develop requisite skills to handle
challenges to insulate their businesses from various types of Risk.
Mr. Verma was of the opinion that HR outsourcing through
mediocre consultants is spoiling the image of industry in BBN area.
nHR Managers were complacent in their approach and failed to
gauge the 'under current' amongst its employees which eventually
led to IR problem in their organization.
nHR Managers have a tendency to carpet the issues and are
averse of sharing the problems within the HR fraternity and also
with the labour department so as to evolve an effective strategy to
deal with the issues. He felt that labour department was consulted
only when situation turn ugly and critical.
nLiaison and rapport with local community was found wanting.
He emphasized that HR must work to win the confidence of the
local community
nMr. Verma also felt that lack of interest by many industrial units
in CSR initiatives results in having very few 'well wishers' in the
neighborhood. HR must work and improve this area.
Office Bearers of BBNIA and all members of HR forum were
highly appreciative of the passion exhibited by Mr. Pratap Verma for
promoting conducive and peaceful business environment in BBN
area.
Meeting was attended by a record number of 75 participants
representing different industries.
He highlighted the following main area of concerns.
March 2011 11Don't give up when you still have something to give.Nothing is really over until the moment you stop trying.
B B N I A N e w s i n B r i e f
Law & Order Situation
Controller of Stores,Himachal Pradesh
he Controller of Stores, Himachal Pradesh has recently
circulated a list of items to be procured by government Tdepartments. Details have been circulated and can also be
obtained from the BBNIA office. The items manufactured in the
state are given price preference and the vendors are registered on
annual basis. The annual rate contract is likely to be decided by
early March on dates earmarked against each item.
he members of the BBNIA voiced a serious concern on law
and order situation in the industrial areas with increase in Tnumber of cases of theft, dacoity, murder and accidents
month after month. The members desired that a request be made
to the concerned authorities to take immediate corrective
measures and if need be the matter may be taken up with the DGP
and the Chief Minister.
Office Building forBBNIA
r. Arun Rawat informed that an application for the
allotment of 1000 Square Meters of land on nominal Mlease or sale at a discounted rate has been moved to
Department of Industries to enable the BBNIA to have its own
office premises. He said he was hopeful of a positive response
because it is in the interest of the government and the Association
to work together for development of this industrial belt.
Mr. Rawat further informed that a management Institute has
agreed to give Rs.10 lacs for the building. A letter of appreciation
and thanks to them is under issue.
Uncertainty in supply ofPower
r. Deepak Bhandari, Advisor to BBNIA informed that
four feeders in Baddi are not working properly and Mevery month 40 to 60 hours cut is imposed with and
without prior notice.
He further informed that another transformer of the HPSEBL
has gone out of order in Baddi because of which power supply stposition will further deteriorate after 1 March 2011. It was decided
that request may be made to the Chairman, HP.SEB Limited for
interaction with the member industries to work out a via-media of
correction in supply
r.Sumeet
Sharma,
ChairmaMn B B N Ta x a t i o n
Committee informed
that Section 6A which
h a s n o w b e e n
inserted provides that
t h o s e i n d u s t r i e s
which carry out stock
or branch transfers and are not making sales within or outside the
State of HP are liable to deposit entry tax on all the industrial inputs
brought by them from outside the state as per the rates specified in
the Act on fortnightly basis failing which the defaulting industry is
liable to pay penalty. However the industries that are not making
any stock transfers are exempted from these provisions.
Entry TaxFortnightly Deposits
The Atlanta and New Jersey are thickly populated with the
Indian Diaspora and there is a big craze and demand of Indian
products.
The India Festival is very famous amongst Indians and non-
Indians who come to see the Indian cultural shows, Indian
traditional costumes and products and networking events will also
be organized with the American Industrialists and business
community. Those interested need to plan their journey now as Air
Journey now booked will cost less.
India festival &Trade fair in USA
ndia Festival and Trade Fair in Atlanta and New Jersey USA is _ being organized in the month of August 2011 from 12 16 at
Atlanta and 20 – 24 at New Jersey in association with Indian IAmerican Associations
in Atlanta and New
Jersey. This exhibition
wi l l focus on the
products of smal l ,
medium industries and
the handicrafts of India.
12 March 2011Don't let your life slip through yourfingers by living in the past or future.
he government has announced an
action plan to cut transaction cost Tand time in exports to make export
more competitive and benefit small and
medium exporters who find the procedures
difficult to manage.
Commerce Minister Anand Sharma said
that the average cost to an exporter in India
on account of transaction costs has been
estimated at a level of $945 per container as
compared to $460 in China, $450 in
Malaysia and $625 in Vietnam.
“….the benefit of reduction of
transaction cost will primarily benefit
the small entrepreneurs.” he said.
Transactioncost in Exports
Shri Chandrajit Banerjee, director-
general, CII said “reducing transaction cost
is the key to export development as global
competitiveness today depends on being
able to be a low cost producer and at the
same time a reliable supplier.
Shri Amit Mitra, secretary general, FICCI
said, “This will make India's exports more
competitive and help us in mitigating
transaction costs to the tune of Rs. 2,100
crore.
Given the budgetary and revenue
constraints, it is encouraging to see that
adequate emphasis has been given on
timely refund of credit balance in the Cenvat
he Draft Companies Bill (Bill No.59 of
2009) was introduced in Lok Sabha Ton August 3, 2009 introducing One
Person Company (OPC) concept for the first
time in India.
“One Person Company” means a
company which has only one person as a
member and can be registered under the
Companies Act to carry the suffix “OPC
Limited” after its name.
It is understood that the Draft Bill will
provide substantive legal framework while
leaving the procedural issue to the rules to
be notified subsequently.
D i f f e r e n c e b e t w e e n a S o l e
Proprietorship and an OPC
The fundamental difference between a
sole proprietorship concern and the OPC is
the way liability is treated in the latter.
OPC carries a separate legal entity that
distinguishes the company from the
promoter. The promoter's liability is limited in
an OPC in the event of a default or legal
issues. On the other hand, in sole
proprietorships, the liability is not restricted
and extends to the individual and his or her
entire assets.
Thus, the important feature for a start
up that registers as an OPC is that it de-risks
the business by transferring the promoter's
liability to the company.
Advantages of OPC
Most small companies are actually
owned by a single individual, but currently
are required to bring other shareholders to
be registered as companies under the
Companies Act. This increases compliance
requirements such as presence of
shareholders in the meeting of shareholders
and other decision making matters.
One personCompany
account, trade facilitation through an
efficient EDI system, 24x7 Customs
clearance system, streamlining of various
forms of levies and taxes and reduction in
freight costs and port charges, and
simplification of various export/ import
procedures.”
B B N I A P o i n t o f I n t r e s t
But being one person company, the
proprietor can implement his decisions and
ideas for furtherance of its business at a level
as that of a company and all other benefits
of being a Company. The only rider is that
such decisions are to be reported to the
Registrar of Companies as is done by other
registered units.
Summing up, it can be said that once
the Bill is enacted, it will help single
entrepreneurs currently operating under a
proprietorship model, move to the
corporate structure with benefits of limited
liability and minimal compliance.
“Disha” is keeping a track and will keep
on informing the readers on the subject.
March 2011 13
S o c i a l H e a l t h
Wellness Van Service for ESISI Corporation
inaugurated its
national level EAmbulance service for all
the Industrial areas on
24 Februar y 2011.
Known as wellness van,
it has all the inbuilt
facilities to serve as a mobile hospital. The doctor and paramedical
staff on duty in this wellness van provide preliminary treatment and
record the case history by the time a patient is moved to the main
hospital so that the treatment required in the case can be given
soon after arrival of the patient in the hospital.
The medical service so provided is free of cost but is available
only for the industrial workers and their dependants who are
covered under the ESI Scheme. In Himachal, the service of wellness
van is available in the first instance at BBN and Parwanoo industrial
areas as ESI hospital is already operational at Parwanoo and is under
construction at Baddi. It is reliably learnt that after construction of
ESI Hospital at NerChowk in district Mandi, wellness van service
facility can be made available to 20 industrial areas in the state.
The wellness van service is almost similar to the free Atal health
Ambulance scheme introduced in the state on 25 December 2010,
the only difference being that the service earlier introduced was
intended to transport a patient to the hospital as against the
present scheme where a doctor and the paramedical staff are on
duty in the van itself for urgent aid to the patient. According to a
report, there are approximately 1.78 lakh workers in Himachal who
are covered under the ESI scheme.
State ambulance service
"When an entrepreneur falls sick or
an industry becomes sick, nothing is
done to help them. A media report
referred to the entrepreneurs stating
"we need social security and the
government should formulate a policy in
this regard," stated the entrepreneurs,
adding that the Government should
also take steps to ensure that small
entrepreneurs get their payment from
big industries on time.
epresentatives of micro, small,
and medium enterprises (MSMEs) Rhave demanded a social security
program for entrepreneurs running these
units.
Small and medium industries
contribute to the economy in a big way
by paying taxes and duties, but when it
comes to their security, nothing
substantial had been done, they
maintained.
“Disha” awaits suggestions from its
readers of the manner in which those in
the industrial sector can be provided
relief / security in their hours of distress.
he state ambulance service marked as “108 Ambulance Service”
also known as “Atal Swasthya Sewa Ambulance Service” was
launched in Himachal Pradesh on December 25, 2010. The date Tof birth of Shri Atal Behari Bajpai falls on 25 December and this service
has been introduced in his name all over India to honour his
contribution to the nation.
Dr. Rajeev Bindal, Health Minister informed that by adding 25
ambulances on February 25 and another 25 due by the end of March
2011, the number of such vans will be as many as 100 making it possible
for the government to provide service to every part of the state.
According to Dr. Bindal, “108 ambulance service” responds to a call in 3-
5 seconds, leaves for its destination in about 70-90 seconds and helps
to remove the patient to the nearest hospital in less than one hour. It
was further intimated that since the launch of this service on 25
December to the period ended February, 1, the ambulance call centre
listed as a toll free number received 55773 service calls.
The ambulances are fully equipped with advanced technology to
provide assistance even in emergency cases. The fitments in the
ambulance include life-saving equipments like automatic external
defibrillator and drugs like anti-snake venom. It is understood that the
delivery of the vans has almost been obtained by the state and
presently the training of drivers and other staff members is in progress. thHimachal Pradesh is the 10 state to launch this service and is second in
North India after Uttarakhand. With Wellness Van service for the
Industrial workers covered under ESI and 108 ambulance service for
one and all, the state has done a remarkable job in the field of health-
care for its residents. Our thanks are due to Dr. Bindal, Health Minister of
the State and of-course to the Chief Minister, Prof. Prem Kumar Dhumal
who is extending a number of facilities for all of us in every field of our
existence.
Don't take for granted the closest things to your heart.Cling to them as you would your life, for without them life is meaningless.
Social Security
CASE IN POINT
ProductionInsuranceThe farmers are required to pay 50 per cent of the totalpremium and the rest is to be shared equally by the Centreand the state governments.
14 March 2011Don't set your goals by what other people dream important.Only you know what is best for you.
arious Insurance schemes are
available to safeguard any loss that Vmay arise to a party taking up a
policy. These schemes cover loss of property
by fire, earthquake, and theft or for any
other specified reason. We also can secure
future of our family by taking personal
insurance and can even secure our old age
for funds through pension schemes.
Funds for education of children can also
be so provided by planning various years of
their curriculum. Those, who enter public
sector, are indirectly insured as they become
eligible for pension as also family pension.
Others in the private sector who join the ESI
Scheme can avail benefits there under,
subject to specified conditions.
Ironically, owner of a private sector
entity is not covered under any of the
schemes and has no saviour clause in the
event of any unforeseen misery that may
over take his business at some stage. Fate of
those in the Private Sector and of those in
the Agriculture Sector was similar in nature
as all of them suffer heavy loss due to
outside circumstances which are at times
beyond their control. Now for those in the
agriculture sector, Weather-Based Crop
Insurance Scheme is proposed to be
implemented on a pilot basis in selected
areas of Himachal Pradesh for tomato and
potato crops in the rabi season as per news
in the press. To bring out a comparison
between the players in the private sector
and those in the agriculture sector for
insurance benefits, it is necessary to know
the details that make the agriculturists
eligible to such benefits and by whom.
The implementing agencies for
theproposed scheme of insurance for the
agriculture sector are the Agriculture
Insurance Company of India Limited; the
ICICI Lombard and GIC Limited. The scheme
is to be operated on the principle of “area
approach” based on weather data for the
purpose of assessment of compensation.
Abnormal temperature variations, high
speed wind and excess or scanty rainfall
which cause “adverse weather incidence”
leading to crop loss are being covered under
the scheme. The scheme is reportedly
mandatory for all farmers who have raised
loans from banks and other financial
institutions and also for those who have
been sanctioned credit limit for the notified
crops. It is voluntary for non-loanee farmers.
The farmers are required to pay 50 per
cent of the total premium and the rest is to
be shared equally by the Centre and the
state governments.
The comparative study in the two cases,
the Agriculturists and the owners of a
private sector give the following results in
activities common to both:
Raising of loans a condition: Both are
raising loans for their production.
Availing Credit Limit: Like some farmers
availing credit limit for the crop most
entrepreneurs get WCL for their production.
Production procedures: Both are
engaged in optional production. While a
farmer has a choice for alternative crop;
such a choice is not available to the
entrepreneur.
Cause of loss: External. For farmer it is
unforeseen weather but for Entrepreneur
causes of loss can be many unforeseen
reasons- like sudden increase in cost of in
puts, additional governmental restrictions,
change in tax structure, change in
import/export duties, lack of manpower
availability, strike by workers and what all.
While a farmer has only himself and his
family to feed, an entrepreneur has in
addition, his employees and their families to
feed. The government at the state or the
Centre needs therefore to assess the
manner in which security of an honest
entrepreneur can be safeguarded on lines
similar to those for the agriculturists, when
he suffers unexpected production loss or is
thrown out of reckoning because of heavy
increase in production cost of inputs for
reasons beyond his control.
Is it not an irony that those who toil to
provide bread and butter to many stand
discarded when they suffer loss in
production and need someone to help? Do
we not need to safeguard against such an
eventuality by governmental help, social
help, or by help of a policy to safeguard
against production loss? Once the element
of uncertainty in production loss is secured,
all those in the private sector can take bold
decisions and contribute more towards
national economy.
All will agree that no one really wishes to
butcher the hen that gives a golden egg.
LIFE MATTERS
Sacred Space
You gave me strength to carry on,
When my body was so torn.And lifted me on wings of love, When my spirit was so worn.
Through all the times when in despair,
When I hung my head in shame.You came to me when I knelt
down,As I called upon your name.
And when my heart was troubled,
With more heartache than I could bear.
You caught each and every tear I shed,
In a bottle you have up there.
And when I get to heaven,I'll kneel before your feet.
You'll wipe away all my tears,For my soul is yours to keep.
e are told that it is always nice to see
the positive side of a problem and to Wsay “yes” to suggestions even when
they do not seem workable. After all, they say,
there is no harm in trying. And when you say “no”
directly, it creates ill will that needs to be avoided.
But, in practical terms, by saying “yes”, you
tend to compromise with your principles, with
your goals in life and with the happiness that you
want to have from a profession or activity. We
may therefore have to learn to say “no” at times.
Practical examples of this are many in our own
history. Some of these are:
nSubhas Chandra Bose went to England for
taking Indian Civil Service Examination and
qualified. But he said “no” to the job and etched
his name in the history of freedom to be
remembered always. Most of the ICS officers
have died and are forgotten.
nRama knew that the “Golden Deer” of
Ramayana fame was a myth but could not say
“no” to the pleadings of Sita his wife. The rest we
all know.
nWhen everyone around, and even when the
elder brother of Bharat Rama advised Bharat to
take over as King of Ayodhya, Bharat said “no”
which gave him undying fame. It is said, India as
“Bharatvarsh” in hindi is named after Bharat.
nMirza Galib refused to teach Persian as a
teacher in a government college, but he preferred
to starve and live with his meager resources and
followed what was close to his heart. Till this day
he is regarded as the father of Urdu poetry.
nIn 1939, Albert Einstein, on persuasion from
his colleagues, wrote to President Roosevelt to
speed up the nuclear program. After August 6
and August 9, 1945 when atom bombs were
hurled on Hiroshima and Nagasaki respectively,
the eminent scientist termed his letter as the
biggest mistake of his life and wished he had said
“no” to his colleagues.
There can be many examples justifying the
correctness of saying “yes” when you need to say
“no”. We leave it for you to decide. All the same,
we hope, we can have the courage to say “NO”
when we must.
Learn to say “No”
15March 2011Don't undermine your worth by comparing yourself with others.It is because each of us is special.
OMVIGHNESWARAYA
NAMAH !
SPIRITUALCONCEPT
There can be many examples justifying the correctness of saying“yes” when you need to say “no”.
strong wood cutter asked for a job with a
timber merchant, and he got it. The pay was Areally good and so were the work conditions.
For that reason, the wood cutter was determined to do
his best. His boss gave him an axe and showed him the
area where he was supposed to work.
The first day, the wood cutter brought 18 trees.
"Congratulations," the boss said. "Go on that way!" Very
motivated with the boss' words, the wood cutter tried
harder the next day, but he only could bring down 15
trees. The third day he tried even harder, but he only
could bring down 10 trees. Day after day he was bringing
down less and less trees."I must be losing my strength",
the wood cutter thought. He went to boss and
apologized, saying that he could not understand what
was going on. “When was the last time you sharpened
your axe?" the boss asked. "Sharpen? I had NO TIME to
sharpen my axe. I have been very busy trying to cut
trees...”
Moral of the story......
nWhen you spend your time just working and being
busy not planning your life then you will end up like the
wood cutter having NO TIME! But on the other hand if
you put in a little bit of effort and plan and organize your
life then you will realize that you have time for
everything.
nAll work and no play makes jack a dull boy
is an old English saying.
Wood Cutter Story
H E A LT H M AT T E R S
16 March 2011If the path is beautiful, first confirm where it leads.But if the destination is beautiful, don't bother how the path is...
based care.
When the family of such patients is
willing to co-operate, the patients are given
medication for symptoms and pain
management and sent back home.
Dr. Bidhu Kalyan Mohanti, Professor of
radiation oncology (IRCH) said that
morphine is avoided for the fear of addiction
of the patients.
Ms. Harmala Gupta, founder and
President of CanSupport, an NGO working
towards reaching out to the advanced-
stage cancer patients, said that the country
has ver y few NGOs, with more
concentrated in the South, with limited
resources fail to provide counseling to the
families to learn the system of extending
emotional support to the patient.
With barely 1 per cent of the terminally ill
having access to psychological support and
care in the country, the concept of palliative
care, care for the dying, is yet to gain ground
in the country. According to experts, there is
need to have a “living will” which would
allow the patient to lead the last days of his
life in a dignified manner.
Dr. Bhawana Sirohi, Head of the
medical and hematology oncology unit of
Artemis Health Institute, said “Living Will”
should be made legal.
According to her “The patient has the
right to decide about the treatment and
know about the medical records so that he/
she can settle all affairs before death. It is
about facing fears and coming to terms
with them. It is important for the family to
accept the disease and help the patient to
live the remaining days comfortably.”
Out of the terminally ill patients, over 60
per cent succumb to their chronic ailments
in the hospitals even as a majority prefers to
die at home.
Dr. Sushma Bhatnagar, head of the
anesthesiology department of the Institute
Rotary Cancer Hospital (IRCH) of the All
India Institute of Medical Sciences (AIIMS)
said, most of the patients at advanced stage
of cancer want to die at home and hence 90
per cent of the patients are opting for home
r. Gayatri Palat is faculty member
of Education in Palliative and DEnd-of-Life Care (EPEC), India.
She launched a pilot project at Mehdi
Nawaz Jung Institute of Oncology and
Regional Cancer Centre (MNJ), Hyderabad,
in 2006. The Centre has established a task
force within the National Cancer Control
Program for the implementation of palliative
care.
Palliative care goes beyond giving
medication for a particular illness. It calls for
a team approach among doctors, nurses,
family members and surgical workers. There
is need to understand that the patient is
nearing the end. Age does not matter in
such conditions. Even doctors and nurses
have to answer questions like, am I going to
die tomorrow? And, will I live for another six
months? So, all people attending to the
patients – professionals, volunteers or family
– need a deep understanding of the state of
mind of the patient and to provide
appropriate care. The idea of palliative care
is to add more life to days rather than add
days to life.
EPEC includes pain management.
There is a shortage of opioids, such as
morphine, which are effective in cancer pain
control. Weaker analgesics are often used,
which are of little benefit to patients.
Palliative Caregoes beyondMedication
Palliative care goes beyond giving medication for a particular illness.It calls for a team approach among doctors, nurses, family membersand surgical workers. There is need to understand that the patientis nearing the end.
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Happily Married
Long Marriage
Drug prescription
“Now, that looks like a happily married
couple”, remarked the husband. “Don't be
too sure, my dear. They are probably saying
the same thing about us”, replied his wife.
thOn their 50 wedding anniversary, a
couple summed up the reason for their long
and happy married life. The husband said, “I
have never tried to be selfish After all, there
is no “I” in the word marriage,” The wife said.
“For my part, I have never corrected my
husband's spellings.”
A woman walked into a drug store and
told the pharmacist that she needed some
cyanide to poison her husband. The
pharmacist was shocked. He said, “I can't
give you cyanide to kill your husband! That's
Smile - A - Whileagainst the law! I will lose my license……
They'll throw both of us in jail and all kind of
bad things can happen!” Then the woman
reached for her purse and pulled out a
picture of her husband having dinner in a
restaurant with the pharmacist's wife.
The pharmacist looked at the picture
and replied, “Well, now… you didn't tell me
you had a prescription”.
A man was crying over a grave and
repeating, “Why did you have to die?”
Another man approached him and said, “Sir,
I don't wish to interfere with your private
grief but for whom do you mourn so
deeply?” Your child or your parent?
The mourner took a moment to collect
himself, then replied,
“My wife's first husband.”
A cause to Lament
Politician Defined
When someone asked Sir Winston
Churchill what qualities were required in a
politician, he replied: “He should have the
ability to foretell what is going to happen
tomorrow, next week, next month and next
year. And to have the ability afterwards to
explain why it didn't happen.”
DISHADISHABBNIA's
DECEMBER 2010
S H O W S Y O U T H E W A Y !
Publication of
Ready for Take OffSachit Jain scriptsleadership story
6 COMMON EFFLUENTTREATMENT PLANT 7 CSR INITIATIVES OF
BBNIA MEMBERS 9 POLYMER PARK &TRANSPORT HUB 16WHAT CAUSES
BRAIN DAMAGE
POWERA Boon
for IndustryUparla Nangal Substation
6
4
DISHADISHABBNIA's
NOVEMBER 2010
S H O W S Y O U T H E W A Y !
Oblivion toEnlightenment
Publication of
Page 4
Now Every Month!
Elin Appliances Pvt. Limited, Village Belikhol,PO Manpura, Tehsil Nalagarh, Distt. Solan (HP)
thWinner of 11 Global Environment Excellence Award-2010
Elin th has won 11 Global Environment Excellence Award-2010 (Gold Award) in a
renowned Environment conference and prize distribution ceremony held at Hyderabadon 12 Dec-2010. The award was conferred to Elin Appliances Pvt. Limited for its efforts towardsenvironment protection by Hon'ble Shri Mohandas, IAS, Secretary, Ministry of Shipping,Government of India.
Mr. Manoj Sharma and Mr. Jas Dev Singh received thethprestigious 11 Global Environment Excellence Gold
Award-2010 on behalf of ELIN.
................................................................
..........................................
For Limited Circulation only
The assessment was made on the following points by the Greentech foundations:nEnvironment Performance Indicators and its targets as
well as National and International Benchmarks.nQuantity of Solid Waste generated & its utilization
(Hazardous/Non-Hazardous) nInitiatives taken for Environment Protection &
improvement and also abatement of green house gases. nDetails of Pollutants discharged into the environment and
pollution control technology adopted. nSignificant points (5 Points) in support of claim for the
Award highlighting “Best Environment Management Practices”.