पेंशनर को जरूरी मैसेज | मिलेगा पुराना Arrear | बैंक/SPARSH

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  • Опубліковано 12 вер 2024

КОМЕНТАРІ • 157

  • @Narinderkaur-kj1bf
    @Narinderkaur-kj1bf 3 місяці тому +23

    ਮਹੱਤਵਪੂਰਨ ਜਾਣਕਾਰੀ ਦੇਣ ਲਈ ਬਹੁਤ ਬਹੁਤ ਧੰਨਵਾਦ ਜੀਓ

  • @vijayatathapa7449
    @vijayatathapa7449 3 місяці тому +88

    Sir parnaam jaankari dene ke liye dhanyvaad sir aapka sir mere mummy family pensioners hai pension Sparsh se aati hai mere mummy ka pan number update hone ke baad bhi previous request still pending he likha aa rha hai iske vjah se or aage kuch nhi kr pa rhe hai main unmarried disable daughter hu mummy ke uper depended hu LTA or Apna name ad nhi kr pa rhe hai part to order sb hai 🙏🙏🙏🙏

    • @kamleshkumarsharma2245
      @kamleshkumarsharma2245 3 місяці тому +5

      आप स्पर्श में शिकायत दर्ज के साथ PCDA SPARSH को ईमेल में शिकायत कीजिए,CP GRAM में भी शिकायत कर सकती है पूरे विवरण के साथ

    • @vijayatathapa7449
      @vijayatathapa7449 3 місяці тому +4

      @@kamleshkumarsharma2245 sir 5 baar cpgrams main grievance dala tha tb jaakr pan updete hua record office ko bhi by post register send 12-10-2023 kr diya tha record office se koi jawab nhi aaya sparsh main sir mughe grivence kis tarha se danla hota hai mughe nhi pata pcda ko call krte hai to bolte hai record office main baat kijye kbhi bolte hai kuch or bolte hai

    • @Kalpanaa1
      @Kalpanaa1 3 місяці тому

      Sir sparsh ka ac to khul hi to nhi rhi hai to kaise complaint derj kare hum.

    • @prashantdom5282
      @prashantdom5282 3 місяці тому +1

      Same problem par mera update ho gaya letter ke jariye

    • @vijayatathapa7449
      @vijayatathapa7449 3 місяці тому

      @@prashantdom5282 aapne record office ko application send kiya tha Kya sir fir se kya record office ko application send kru kya sir ???

  • @suprovatbanerjee5648
    @suprovatbanerjee5648 3 місяці тому +5

    Very very. Good information in favour of widow/ widower .
    Congratulations

  • @kanhaiyaverma6764
    @kanhaiyaverma6764 3 місяці тому +10

    🙏🙏🙏 सर जयहिन्द
    सर महत्वपूर्ण एवं ज्ञानवर्धक जानकारी देने के लिए बहुत बहुत बधाई एवं शुभकामनायें ।

  • @kukkad1000
    @kukkad1000 3 місяці тому +5

    बैंक वाले तो मानते ही नहीं है, जो चीजें यहां पर बताई जाती है बैंक उनके साथ नहीं चलता

  • @datarambhatt1212
    @datarambhatt1212 2 місяці тому +1

    मै बचत खाते को पेंशन खाते मे बदल सकता हूं क़्या?

  • @harjitsingh4697
    @harjitsingh4697 3 місяці тому +2

    बहुत बढिया ढंग से बताया गया है । यह मैसेज आ रहा था प्रतुल यह नही समझ आ रहा था क्या है ।बहुत बहुत धन्यवाद ।

  • @sivanpillai1559
    @sivanpillai1559 3 місяці тому +6

    Pls inform whether past cases wherein pension commutation was restored after 15 years will be considered for refund of excess amount recovered to affected pensioners/family pensioners.by PCDA.

    • @SENDRIInfoTech
      @SENDRIInfoTech  3 місяці тому +1

      There is no any order issued.. Regarding this , case is subjudice..

  • @balwansinghsingh8727
    @balwansinghsingh8727 3 місяці тому +2

    Sirji.Aap.ne.Bhut.Achi.jankaridi.hai.Bhut2thanksyou.jai.Hind.jai.Bhsrat.

  • @PawanKumar-if1qs
    @PawanKumar-if1qs 3 місяці тому +3

    Good initiative by Bankers this will be a help to the next of kins.

  • @manayilmukundan1725
    @manayilmukundan1725 3 місяці тому +3

    Sir,Iam Sub rtd after 28. Yrs and tfd to pension wef.oct 1993.my ECHS,.card Aadhar,Pan card all are mentioned date of birth of my wife but mot mentioned in Soar sh PPO,I have sent many requests with a certificate issued by Tehsildar counter signed by RDO on production of School.certificate which I have published in DO part Two in the year of 1977.can I endorse her DOB through Sparsh,or what is the course of action to get it mentioned in PPO??? please guide me.

  • @RamBhajanChamling
    @RamBhajanChamling 3 місяці тому +1

    अपने अच्छी बात बाद बताहि हैं। धन्यवाद जै हिन्द 🎉

  • @Manojkumar-hi4zg
    @Manojkumar-hi4zg 3 місяці тому +3

    Sir mere father jo ki arty mein 24 yrs service Kiya tha on ko bhi orop ka ya circular nos.ka koi Paisa ni mila h 2009 me father ka death ho gaya pension bad mein mother ko mila 2015 mein unka bhi death ho gaya tha bank mei nominee mera naam tha per bad mein bank account to mother ka band ho gaya h kiya karna padega agar koi Paisa ata h to kiya record office Wale mujhe information denge

  • @rammurtiyadav9114
    @rammurtiyadav9114 3 місяці тому +1

    Jab se SPARS aya hai tabhi se pensioners ki paresani badh gayi hai. SPARS ka office Allahabad mein hai wahan form lene Jana padega aur use bharkar wahin jama karna hoga kya? Most senior citizen kaise jayega. Har mahine koi na koi naya kanoon aa jata hai.

  • @rakeshparmar7213
    @rakeshparmar7213 3 місяці тому +1

    Thank you very much sir jankari Dene ke liye 🙏🏻

  • @RameshKumar-lv8jc
    @RameshKumar-lv8jc 3 місяці тому +4

    Thanks for good information

  • @BhupinderSingh-cc9qc
    @BhupinderSingh-cc9qc 3 місяці тому +1

    Why are pensioners put in such a situation for unnecessary paper work, once nominees are already in record.
    Thanks for updating

  • @kavitajoshi2149
    @kavitajoshi2149 3 місяці тому +1

    प्रायवेट cbse स्कूल के टीचर को पुरानी पेंशन योजना लागु होगी क्या?

  • @muraleedharanck531
    @muraleedharanck531 3 місяці тому +2

    This form A is being sent to Record Office 8 months in advance alongwith pension documents. Is it sufficient or not?

  • @ravikumarjoshi2085
    @ravikumarjoshi2085 3 місяці тому +1

    In the circumstances of Pensioner and his wife being joint pension account holder and wife will automatically be family pension holder. In such condition can wife of Pensioner be eligible to be nominated also as LTE nominee. Or, it is advisable that, LTE nominee should always better to be of a blood relation other than wife so that , he or she will be eligible to receive benefits of subsequent arrears if occurring after the death of wife/ family pensioner.

  • @surrendrakumarsingh4534
    @surrendrakumarsingh4534 3 місяці тому +1

    ❤ thanks Sendari ji very nice news❤

  • @bhupinderflora4824
    @bhupinderflora4824 27 днів тому

    Thanks for imp inf ji

  • @KomalSingh-xp2uq
    @KomalSingh-xp2uq 3 місяці тому +1

    Thanks for giving good information.

  • @user-nt3jz8ro4u
    @user-nt3jz8ro4u 3 місяці тому +1

    Sir g Nameste. Iam ex sgt , total ser 21 yrs , Not getting pension as per OROP 2 till date , Not yet migrated to Sparsh , getting pension through Bank. Kindly help or suggest me to solve the problem

  • @ckrishnan5958
    @ckrishnan5958 3 місяці тому +3

    Well explained , thanks..

  • @ashoksoni4185
    @ashoksoni4185 3 місяці тому +1

    Good work done by you sir.

  • @saimueljohn3982
    @saimueljohn3982 3 місяці тому +1

    Sir ek cheez clear karein with request ki. Sparsh mein mother ka naam LTA nominee aaj hi kiya hoon aur turant process bhi ho gaya. SBI mein father mother ka joint DSP account hai toh . Bank jaakar Form A bharna padega next nominee ke liye. Mera matlab hai agar father ki death hone ke baad, mother ko pension milegi, aur agar mother ki bhi death ho jaati hai toh only arrears jo hai woh next heir ko milegi ya pension bhi milegi. 🎉

  • @bhawarsinghbhawarsingh2994
    @bhawarsinghbhawarsingh2994 3 місяці тому +1

    Sir apko bahut bahut dhanywad

  • @payalibhattacharyabhattach9578
    @payalibhattacharyabhattach9578 3 місяці тому +2

    Ok sir mujhe bhi yahi message aya tha, bewakuf ki tarha bank gai thi, thank you for information, family pention walo ko Arirer milega ki nahi

  • @kishoremirchandani8671
    @kishoremirchandani8671 3 місяці тому +1

    Thanks Sir 🙏 Jai Hind 🙏

  • @rajsharma_30
    @rajsharma_30 3 місяці тому +1

    Thnx so much for well explained information

  • @sandeeplittan2818
    @sandeeplittan2818 3 місяці тому +1

    Jai hind sr Kafi dino se KSB Side band ho rakhi hai aisa kyu ho Raha hai sr plz reply Dena aap

  • @DennisVellum-jp4mu
    @DennisVellum-jp4mu 3 місяці тому +1

    The Army Record helped me throughout my service and pension. Can I nominate a poor person as Nominee as I have no nominee, I being alone, unmarried now I'm in my 78th year.please advise

  • @jogindersingh6195
    @jogindersingh6195 3 місяці тому +1

    Shriman pre 2006 hony nb sub ke court case ki progress ke bare mein bhi batayen. Thanks

  • @jayaashok5294
    @jayaashok5294 3 місяці тому +1

    My husband serviced for 9 years in MEG Army, participated in war also.no pension, but canteen fecilities were given. Those who serviced more than 5 years they should be given canteen fecilities, this is govt.order. But this GOLDEN PALM CANTEEN, BANGALORE, after my husband death I asked to give canteen card to my name. But they didn't give the canteen card for me, why this Golden Palm canteen people are ignoring govt., rules, and making their own rules. CHEATERS

  • @amankujur6745
    @amankujur6745 3 місяці тому +1

    बहुत अच्छी जानकारी के लिये धन्यवाद❤❤सर मेरे पापा की मृतयु हो गई और माता जी भी नही है तो मै LTA का लाभ कैसे ले सकता हू.... PDA मे nominee नही है 😢

  • @harbanslal449
    @harbanslal449 Місяць тому

    Nice information.Lot of thanks.

  • @sheelaamdekar4047
    @sheelaamdekar4047 2 місяці тому

    Thanks so much for valuable information

  • @vijaylaxmisawkar4420
    @vijaylaxmisawkar4420 3 місяці тому +1

    Mera widow eps 95 pention 1000 hai kabi increase ka paise dete hai sir

  • @ambikasamanta5319
    @ambikasamanta5319 3 місяці тому +1

    Thanks for good info.

  • @biharisharma-d8o
    @biharisharma-d8o 3 місяці тому +1

    Sir please batayan ki 568 circular ka airear kab se kab tak milega 2002 mein retire hue hain

  • @karanisinghrathore5785
    @karanisinghrathore5785 3 місяці тому +1

    Very nice information .

  • @user-jf2gf3qi1g
    @user-jf2gf3qi1g 3 місяці тому +3

    Thanks sir 🙏 ☺️

  • @shivanandabehurshivananda8515
    @shivanandabehurshivananda8515 3 місяці тому +1

    Tq, sir, v, v, good, messege, jai, hind

  • @VijayNalawade-c7r
    @VijayNalawade-c7r 20 днів тому

    Think you

  • @arunsehgal6652
    @arunsehgal6652 3 місяці тому +1

    Good advice,please give formats of form of LTA format as I am in Sparsh,thanks

    • @prashantdom5282
      @prashantdom5282 3 місяці тому

      LTA Nomiee Ka format hai kya aapke pass

  • @prahladsingh9189
    @prahladsingh9189 3 місяці тому +1

    Sir my mother was getting family pensioner and expired in 2017.she was eligible for OROP1.But her pension account has closed.how to claim.

  • @anwarkhan-mc2rg
    @anwarkhan-mc2rg 3 місяці тому +1

    Thanks Sir

  • @SurjeetSingh-vh7xe
    @SurjeetSingh-vh7xe 3 місяці тому +1

    DPDO on instrs from CDA (P) will automatically adj pensions on increase of any type of arrear

  • @scbhandari4823
    @scbhandari4823 Місяць тому

    Sir thanks for gd imfermation

  • @Timepass12341
    @Timepass12341 3 місяці тому +2

    Very good sir 😊

  • @MosesJoseph-j2h
    @MosesJoseph-j2h 3 місяці тому

    Sr, Citizens se kya yah bhi paisa ugahi ka naya tarika hai ?
    Ya bujurgon ka pension hadpne ka irada ?

  • @hariprasadbadola8236
    @hariprasadbadola8236 3 місяці тому +1

    I entered the details of my son and daughter for LTA in the Sparsh Portal but the same have been erased and asked me to upload the affidavit. What can I do now ?

  • @drdr73
    @drdr73 3 місяці тому +1

    LTA nominee toh sparsh meh kar diya hai...ab kya SBI meh bhi karna hoga.ya toh yeh PNB ka alag rule....SBI br manager ne bola tha ki pension start meh already hua hai..ye that sparsh ke pehle

    • @prashantdom5282
      @prashantdom5282 3 місяці тому

      LTA nominee kaise kare Sir Sparsh me option nahi hai widows ka

    • @nitinchoudhary3707
      @nitinchoudhary3707 12 днів тому

      Same issues lta nominee kasa add karaa widow ka liya​@@prashantdom5282

  • @RajaMohanraj
    @RajaMohanraj 3 місяці тому +2

    V nice news 👍

  • @ramavtarkushwaha8350
    @ramavtarkushwaha8350 3 місяці тому +2

    ex warrant officer
    Indian Air force
    Sir,For the last couple of months Sparsh app is not getting opened.Always,it states that site is under maintenance and the same is causing inconvenience.kindly do something or guide.

    • @SENDRIInfoTech
      @SENDRIInfoTech  3 місяці тому

      Please use this link to access SPARSH Portal sparsh.defencepension.gov.in/

  • @sandeepkhosla3781
    @sandeepkhosla3781 3 місяці тому

    Sir,
    Jo form aap dikha rahe the woh Kahan se Mila. Jis par wife aur son likha hua tha.
    Mere father ne mujhe apne pension saving bank acct mai nominee banaya tha aur jo jo form bank ne diye the us pe sign Kiya tha. Par Bank Wale kehte hai ki PCDA ke form mai kissi ka naam nahi hai. Agar PCDA ko form bank ne bheja hai to kya bank officials ki responsibility check karne ki nahi thi ki is mai pensioner ke signature hai ki nahi.
    2. Mere father ne apne pote ( mere bate)ko legal heir declare Kiya hai as per his registered will. Fir bhi bank LTA nahi de raha.
    PCDA guidelines 115 ka reference PCDA ne bank ko kaha ki agar nominee nahi hai to agar pensioner ki koi legal heir as per will hai usko LTA de do. Fir bhi bank aana kani karta raha. Bolta Raha succession certificate ya will ko probate karwao. Kafi correspondence ke baad bhi nahi release Kara. Ab kehta hai ki will mai jo winess hai uska affidavit la ke do aur pote ka affidavit do ki will par koi case nahi chal Raha.
    Yeh documents bhi bank ko submit kar diye. Ab PNB bank na to koi jwab deta hai na hi LTA release karta hai.
    Ab kya option hai.
    Mera har defence servicemen aur pensioner se request hai ki PNB ko boycott Kiya Jaye. Apni FD aur accts doosre bank mai transfer kare.
    Ab mere pass kya option hai.

  • @rbsjadon
    @rbsjadon 3 місяці тому +2

    स्पर्श तो काम ही नहीं कर रहा है।

  • @jyotsnawarwade4327
    @jyotsnawarwade4327 3 місяці тому +1

    Sir mai family' pensioner hu muze LTA ka kuch pata nhi mai kya karu sir

  • @SUDESHKUMAR-wp3oc
    @SUDESHKUMAR-wp3oc 3 місяці тому +1

    Jai Hind sir

  • @RaghunathOjha-wv3ni
    @RaghunathOjha-wv3ni 3 місяці тому +1

    Sir Mera badhane hua arear nahi mila Hai
    Only pension mila Hai

  • @harshmehta6878
    @harshmehta6878 3 місяці тому +1

    Delhi jal board ke pensioners ke liye bhi ha

  • @kaptanantil9491
    @kaptanantil9491 3 місяці тому

    सर ये मेसीज तो मेरे पास भी आया है मेरी ममी पेंशन ले रही है क्या मुझे भी कमपलेड डालनी है या नहीं
    आपकी बात समझ नहीं पा रहा हूं क्या करु कमपलेड डालूं या नहीं बताईये

  • @GSCREATIONS18
    @GSCREATIONS18 3 місяці тому +1

    Very nice and useful information 🎉❤

  • @sushilfoji8100
    @sushilfoji8100 3 місяці тому +2

    The best news

  • @kmanoj8319
    @kmanoj8319 3 місяці тому +1

    Ye message aaya tha but pnb form dene se mana kar rahe hai

  • @hrushivarma866
    @hrushivarma866 3 місяці тому

    Sir,
    100s of letters are printing and coming out. But nothing happening in Practical manner. Change of name of myself and wife are got PART II orders that published by record. Niether Record is endorsing or SPARSH is endorsing the partII order changes. From last six months, I became a foot ball from Records to sparsh to records.

  • @claraanthony2832
    @claraanthony2832 3 місяці тому +4

    March 2023se jhoot bol rahe ho

  • @trilokbisht6197
    @trilokbisht6197 3 місяці тому +1

    Sir Mera sparsh ka login nahi ho raha hai .barbar note aaraha kabhi bolta ha user name and PW wrong hai kabhi bolta hai captch sahi nahi hai .jabki mai check karke hi bhar raha hu pl batao kya Karan ho sakta hai

  • @shivanandabehurshivananda8515
    @shivanandabehurshivananda8515 3 місяці тому +1

    Tq, sir

  • @Ramkishorejaliyawara
    @Ramkishorejaliyawara 3 місяці тому +1

    Sir LTA form ka pdf bhejne ki kripa kre.

  • @MantuKumar-us3qx
    @MantuKumar-us3qx 3 місяці тому +1

    Sir kaise pata chalega ke lta nomination Diya hai

  • @SubodhKumar-fg5fx
    @SubodhKumar-fg5fx 2 місяці тому

    Bahut sahi

  • @AshokkumarPatel-lu9yd
    @AshokkumarPatel-lu9yd 3 місяці тому +1

    Are bhai,konse pention ki bat karate ho,ye shbd sun ke magaj khalas ho gaya hai,so pention ke siva Dusari koi bat karo.sarkar ke pas paisa nahi hai isliye S.C.ne kah diya hai ki koi pention/Fention milega nahi.pention bhul jana....?

  • @parsinkaur5038
    @parsinkaur5038 Місяць тому

    Good information

  • @anwarshaheerkp6695
    @anwarshaheerkp6695 3 місяці тому +2

    Good

  • @claraanthony2832
    @claraanthony2832 3 місяці тому +1

    Railway family pensioner ko kya milega

  • @suryakanttamhankar5596
    @suryakanttamhankar5596 3 місяці тому +3

    फॉर्म A कहा से मिलेगा,

  • @user-pj1kj6gn5u
    @user-pj1kj6gn5u 3 місяці тому +1

    Sir sparsh me lta nominee ka option nhi aa rha hai

  • @trvprakash2306
    @trvprakash2306 3 місяці тому

    Sir, wife ( spouse ) ki death ho chuki hai 2017 me. Abhi maine LTA me do logonka naam diya hai. Son and grandson ka. Bank Account ke saath pcda/ sparsh me. Kya theek Kiya. Please bataye.❤

  • @arunkoshti7516
    @arunkoshti7516 3 місяці тому +2

    Jaihand sir 🙏🙏

  • @adarshgaikawad7722
    @adarshgaikawad7722 24 дні тому

    Abhi Comitation period kitani hai 12 year hui kya nahi

  • @villageryvolgs80937
    @villageryvolgs80937 3 місяці тому +1

    Sir bank bale bhaj dethe hai sparsh office jao hum kuch nahi jante.

  • @AKASHKamar-dh2pf
    @AKASHKamar-dh2pf 2 місяці тому

    Pcda sbi ko life time arrear 50 lakh gratuity dede

  • @gangasinghrathore-ot3zb
    @gangasinghrathore-ot3zb Місяць тому

    Bank doesn't take any action for pe nsioner

  • @Rajni-de3vb
    @Rajni-de3vb 3 місяці тому +2

    Sir sorry to say mai apni mmi Kay liye bank Gaye thi live certificate Kay laye unholy hospital jany say munna kar diya filhal meri mom hospital mai admit hai or defiance ki pansoin nahi aa rahi hai I very hope less please help me

    • @pikapirana2821
      @pikapirana2821 3 місяці тому

      Video call pr dikha do..ya bank menger sy bt kro vo koi ek staf ka bnda bejhe ga apke sath

    • @Rajni-de3vb
      @Rajni-de3vb 3 місяці тому

      Sir koi fanda nahi hua mai yeh bhi kar chuki hu sarkari bank mai 2 2 lady manager hai per sunwai nahi mai Kab kab tak Bhagti rhugi in logo Kay pichy meri khud ki bhi to family hai job hai meri mom coma mai dialysis per hai jub many yeh baat bank walo ko Batai to wo boly ki wo to alive huye na wo log kon haty hai meri mom ko alive bolnay waly jubki abhi meri mmi apni sasns laye rahi hai Mera to dimag hila diya in govt bank walo nay ab kisi per viswas nahi Mery father nay kaam Kiya so many years per kya fayda hua ab mai to kya meri family mai koi modi ko vote nahi karega so sad and disappointed

    • @prashantdom5282
      @prashantdom5282 3 місяці тому

      Aap ghar Se bhi Life certificate de sakti hai mobile ke jariye Face authentication se bhi Life certificate jama hota hai maine bhi meri Mumny ka Jama kiya hai

    • @Rajni-de3vb
      @Rajni-de3vb 3 місяці тому

      @@prashantdom5282 sir thanks per meri mom hospital mai admit hai or wo coma mai hai

    • @Rajni-de3vb
      @Rajni-de3vb 3 місяці тому

      Koi fayda nahi koi govt sath nahi day rahi subko sarkari passy Kahne hai

  • @anilarmy760
    @anilarmy760 3 місяці тому +2

    Lta sparsh

  • @HGH2261
    @HGH2261 2 місяці тому

    form A का pdf डिस्क्रीफसशन मे डालना Sir.

  • @KrishanKumar-up2il
    @KrishanKumar-up2il 3 місяці тому

    Ydi husband and wife dono hi ki death ho chuki h to LTA Cir 568 ka Jo abi tak nhi Mila to vo kise milega. Thanks with respect

  • @subhashbagal1944
    @subhashbagal1944 3 місяці тому +1

    Only pnb or other banks also

  • @shyamakhanna8928
    @shyamakhanna8928 3 місяці тому

    Comutation kijo , 0:00 to baat hi nHforty percent pension Jo comuted hai wo kab restore karoge four monthkosacebheja hua haik secda sparchi karte

  • @mahabirsoni8191
    @mahabirsoni8191 3 місяці тому

    Sir me20salservice ke bad retire hua hu mujhe 2019 ka koi arrier nahi mila DOR 31-1-2008

  • @satwinderkaur4772
    @satwinderkaur4772 2 місяці тому

    Epf pension ke leye ha ?

  • @rpsvillager7774
    @rpsvillager7774 3 місяці тому +1

    Abhi tak nahi mila

  • @user-lf4us3fz5b
    @user-lf4us3fz5b 3 місяці тому +1

    Old circular being referred

  • @premrawat1868
    @premrawat1868 Місяць тому

    Sir itr sparsh per itr kaisa bharna hai

  • @shyamakhanna8928
    @shyamakhanna8928 3 місяці тому

    Comuted amt fifteen yrs tak kata restore sparsh Wale ka
    B hoga 0:00 b

  • @ManSingh-oc3lb
    @ManSingh-oc3lb 3 місяці тому +1

    😊

  • @pikapirana2821
    @pikapirana2821 3 місяці тому +1

    Mere paas Friday ko aya h

  • @MantuKumar-us3qx
    @MantuKumar-us3qx 3 місяці тому

    Sir papa 2021 me date kar gai arrear kaise milega