Fw: Defence ministry in another turf war / Maj Gen Harsha Kakar

----- Forwarded Message -----

---

https://www.thestatesman.com/opinion/defence-ministry-in-another-turf-war-1502731718.html

 

Defence ministry in another turf war

Whatever the reason, the MoD forces service chiefs to jointly approach the defence minister to resolve issues on which the MoD has no locus standi but desires to intervene.

Harsha Kakar | New Delhi | February 12, 2019 1:00 am

    

Defence Minister Nirmala Sitharaman in Lok Sabha (File Photo: LSTV)

 

Why does the Ministry of Defence (MoD) open a new front in its all-out war with service HQs, whenever an earlier one is forced shut due to public pressure? Does it have the concurrence of the defence minister to continuously push service HQs into wasting time battling bureaucracy in its own MoD, rather than handling complex national security issues? Is it because the MoD is overstaffed and hence, with nothing better to do, seeks to find new avenues to interfere?

Whatever the reason, the MoD forces service chiefs to jointly approach the defence minister to resolve issues on which the MoD has no locus standi but desires to intervene. It attempted to take over the Canteen Stores Department, which was vehemently objected to.

A hue and cry on social media led to members of parliament approaching the defence minister, who accepted that it would not happen on her watch. However, the battle is still far from over as there has been no permanent appointment made. Unless this is done, doors for illegal actions by the bureaucracy are still open.

The ongoing battle for equivalence with the civil cadre continues with no end in sight. The MoD seeks to delay its decisions, possibly even keeping the defence minister in the dark. It attempted to place its representatives on the Armed Forces Tribunal (AFT) but was blocked by the Supreme Court. AFTs remain nonfunctional with most benches vacant.

Non-Functional Upgradation now leaves only the armed forces out, against whom the MoD continues to employ a battery of lawyers. With the grant of the same to the Central Armed Police Forces, will the MoD see light of the Supreme Court judgment and withdraw its appeal?

In its latest actions, the MoD has sought to amend the rules for selection of officers for appointments as Defence Attaches (DAs) in Indian missions abroad. Since independence, the onus and responsibility of their selection, pre-induction training and exposure remained that of service HQs. Based on the country the rank of DAs was decided by service HQs, subsequently approved by the MoD and the external affairs ministry. They were selected by a panel headed by the Vice Chiefs of respective services, after which the list was forwarded to the MoD for approval and acceptance by the Ministry of External Affairs.

Suddenly, based on an internal study ordered by the government on defence diplomacy, which had no service representative, the MoD is seeking the inclusion of an Additional Secretary on the selection panel. What additional benefit would this result in is unclear, other than adding one more spoke in the wheel.

It has refused to approve the selection of DAs without this change. For service HQs, this intervention in its internal matters is unacceptable, hence another standoff has taken place between service HQs and the bureaucracy. There are presently 44 DAs affiliated to 95 countries. In return 65 countries have DAs based in India.

The present battle has led to no naval attaches being selected for Washington and Bahrain. DAs for Maldives, Kenya and Oman would soon be finishing their tenure and with no fresh appointment, these posts would also be vacant. Bahrain was sanctioned recently and is important as the DA would be the key person interacting with the Naval HQs of the US Central Command to coordinate operations in areas of the Red Sea, Gulf of Oman and the Arabian Sea.

Military engagement with Maldives, especially after recent elections, is gaining importance and cannot be ignored, simply on issues of protocol. The Navy plays a major role in this engagement. Similarly, Oman where India is constructing a naval base in Duqm, is an important appointment.

Does the MoD consider national interest in its actions or is it only concerned about battling the bastions of the armed forces they are tasked to protect and serve? Is just seeking a foothold in the selection process a priority or should its overstaffed bureaucracy be looking beyond Indian shores for an enhanced role for the armed forces?

The importance of DAs can be envisaged when they and the envoys are the only appointments in an embassy expected to present their credentials to host countries who then subsequently accept their nomination. Within India also, the importance of its DAs was evident when they were all brought back to attend the Defence Expo last April and addressed by the defence minister and the MEA.

The defence minister asked them to project India as a major manufacturer of military arms. She also desired that they outline 'India's interest in building stronger military to military cooperation, training and capacity building.' The DA is also the advisor to the Ambassador or High Commissioner on military aspects of diplomacy.

In most countries, where there are disputes with neighbours, it is the DA who is taken for a visit to project the area of dispute and actions by the host country. India has taken DAs based in Delhi to different regions of the NE and J and K to project its viewpoints. Similarly, seeking to highlight that there was no surgical strike, as claimed by India in 2016, Pakistan took DAs based in Islamabad to the claimed areas to highlight their perspective of no strike.

The MoD has sought to ignore the importance of the appointment, only because it seeks to alter status quo. With multiple attempts at grabbing military assets, is the MoD acting in unison to dislodge the very armed forces it is meant to serve? It is possible that the bureaucracy is attempting to project the present government in bad light and as anti-military, especially when elections are drawing close.

Does the defence minister realize that as she spends time defending the Rafale deal in parliament, her bureaucracy assails her reputation from behind? If her party loses support of the veterans and serving, the blame should lie with the bureaucrats in her own ministry.

(The writer is a retired Major-General of the Indian Army)

Fw: *WHY, OH! WHY GOD? WHY HIM?*

----- Forwarded Message -----

---

*WHY, OH! WHY GOD? WHY HIM?*

 

I run a transit camp. My residence & the transit camp officer's mess are barely five feet apart. Nevertheless, I always make it a point to dress up & visit the mess for all three meals, daily. I never order food into my room. In fact I never order food into my room anywhere, even in a hotel. The reasons are many. 

 

Firstly, its a strain on the staff to serve me in my room. Secondly, its almost obscene to have unwashed crockery & utensils lying in one's room as you retire for the day. Thirdly, the smell of the used crockery, utensils & leftover food tends to seep into every nook, cranny, furniture, linen & clothing in the room. But the principal reason I go to the mess is to meet people. You see, my outfit is a transit unit & as such I receive a new lot of people, officers, JCOs, OR & even some civilians in my unit almost everyday. I run the first stage acclimatisation camp. I probably have more officers and men on any given day, than any Inf battalion or Arty regiment. They all spend 8 - 10 days on an average acclimatising with us before leaving for their tough assignments in super-high altitudes. Occasionally, when the weather is bad or when the lines of communication are disrupted, these people spend more days with us. So, apart from my routine rounds of the camp, I make it a point to be there at the mess to interact with these officers. This is their first stage of induction into the high altitude area & I feel obligated to meet & greet them and learn from them. I am fortunate to the extent that I get a fairly eclectic mix of officers at the camp. Nearing middle age in life & old age in service, I consciously avoid sliding into rambling reminiscences and hemming & hawing about my days etc that will not only bore the officers but also waste their precious time. So I try to keep the conversation on the table brief and limited to the time taken to consume the pudding & be served the after mint. Still, you get to talk a lot during these interludes. 

 

But this is not a story of my mess going habits. It is sadly an obituary. You see, most officers I notice want to just get done with their meals and get back to their rooms and their mobiles and laptops. They do not want to interact in the mess. Many sit in far off tables & seldom make the effort to come & join you for the meal at your table if it is empty. I suppose the fact that liquor is banned at this location is one of the reasons for this lacklustre motivation to interact. It is curious for the government does authorise us all Rum & Cigarette Allowance at this location. But then orders are orders. 

 

There are however a few officers who like to spend time with the people around, interact with  them & allow for reciprocal learning from each other's experiences. One such officer was Maj Nisheet Dogra, newly posted to take over an Independent Armoured Squadron in High Altitude Area. He came in here on 19 Jan 19, from the Western Sector, as usual for the regular acclimatisation. He was different, I noticed. He interacted with people around and tried to imbibe from them. He was placed on reserve for the upcoming Junior Command Course that he felt he may have to attend. So  he came over to me on 26 Jan 19, asking me to teach him about the employment of Artillery and other professional subjects. We spent hours in my room discussing the mechanics of Fire Planning and the art of writing a tactical appreciation over mugs of black coffee. He was an intent listener and a conscientious learner. Apart from tactics and other professional subjects, he would discuss with me as to how he can develop the infrastructure and facilities for his squadron, that was newly inducting from the plains to take over its role in a High Altitude Area. He spent about 15 days here, stuck as he was along with many other officers because of heavy snow that precluded movement along the road going upto his location and beyond. In all these days, I noticed that he continued to learn from people around and spent time studying in his room. He was generally concerned that his handing/ taking over period was being depleted by the weather that was preventing his move to the designated location to take over from the existing squadron that was scheduled to move out shortly.

 

He left this place on 31 Jan 19 to the next stage acclimatisation. He reached his sub-unit location I presume on 05 Feb 19 after the four days second stage acclimatisation at the next transit camp. I hear that he even continued to interact with the CO of the next transit camp on similar lines. Considering the usual four day handing/ taking over period for appointments, I presume that he would have taken over the same on 09 Feb 19. 

 

It snowed heavily yesterday in this sector especially in the higher reaches where it touched close to 6 - 8 feet. At about 1500 - 1530hrs on 09 Feb 19, a large and heavy mass of snow slid down the mountainside & struck the temporary 'Chakda' shelter of Maj Nisheet Dogra. The mass of snow broke in from one end of the shelter, flushing everything inside including the officer who was probably resting in his bed along with his belongings & furniture from the other side. The officer was probably hit badly on his head by some blunt object even as he was washed out of his shelter and buried 3 - 4 feet under the snow, with his belongings and furniture scattered over a 50 - 70m distance. Nobody had noticed the same. At about 1600 - 1630hr, I believe some other officer was trying to contact him on the telephone and when he got no response he sent someone to look him up. The people could not find the officer & soon having realised that he may be buried under the snow, the unit was assembled and they started digging & pulled him out from under about 20 - 30m away from his shelter at about 2200hrs (nearly 5 - 6hrs later). I am told his body was frozen stiff & he had a severe gash on his head, but he probably had some weak pulse. He could not be evacuated because the roads were not cleared for move due to snow and the night flying ALH couldn't make it, for whatever reason. In any case he was in a bad shape and was declared dead at around midnight.  

 

Three Cheetahs of the Army and One Cheetah and one Chetak of the IAF came here in the morning and couldn't pick up the body from the place purportedly due to snow, although they were equipped with skis. Finally, the troops moved the body to another helipad five km away in a tank (a tank mind you) from where a Mi - 17 finally evacuated his body at around 1530hrs (24hrs after the tragedy). 

 

The above incident brings to light so many points to ponder. We are talking about a two and half front war, but we are unable to open up a road to even one front. Imagine, it took 24hrs to evacuate a body. I really do not know why a night evacuation was not attempted, but we have received assurances from higher HQ that when required ALH will be used for night evacuation. However, I cannot fathom how the pilots can suddenly one fine day take off on a critical night mission, if they have not practiced the same during normal periods. I have never seen an ALH arrive in this area by night or even dusk. I am sure they are capable, but you have to rigorously practice these things during peace if you have to execute such missions in war or during a crisis. If you cannot take risk in peace, do you really think you can summon the courage and the ability to take one during war and execute it effectively.

 

The next aspect is the roads in these areas. Even after so many years we do not have proper roads to support our troops. Imagine, they could not evacuate a casualty because the road is full of snow. We do not have snow clearing machines. In any case, these machines only function well when the roads are smooth tarmac. How can you clear a road that is full of boulders and rocks. A body was transported by a tank. The GREF dozers that are ordinarily used for these purposes are not functional most of the time. 

 

Then comes our habitat. A 'Chakda' shelter is nothing but a semi-circular tin sheet with improvised entry/ exit on either sides. Its uncomfortable to live & inefficient to heat and yet we house our troops in these at high altitudes where temperatures touch -25  to -40 degrees celsius. We do not plan the layout of our habitat well and let things develop in an ad hoc & haphazard manner with no siting keeping terrain, weather and geographic considerations. We are like those idiots in Hawai, who built a settlement next to an active volcano and were then wondering why there's lava in their living room. Our utilities are so poorly planned that we cannot supply water to these troops in pipelines that do not freeze in the severe winters. Electricity is either non-existent or through generators and the installations are so poorly done that there is always the danger of short circuit, electrocution or fire. 

 

And yet war game after war game after war game after war game, we keep hemming & hawing about defeating this or  that enemy. We want to create IBGs to make vacancies for higher ranks, but we cannot plan a simple settlement of troops that is safe from essential elements, forget the enemy. 

 

It is about time we got ourselves to plan well, train well & execute well. We are doing none of the above. We are day by day becoming a scared and indifferent army. We are passing orders that absolve us of potential crisis and consequently and have over the years made our personnel (officers, JCOs & OR) incapable of performing in a crisis. We are just managing the aftermath of a crisis and congratulating ourselves of getting through the day. This is true of all arms and services and all cadres. 

 

Nisheet Dogra's death was tragic, untimely & I feel highly avoidable. The young man had dreams that he shall never realise now. He is survived by a wife whom he had married not a year ago. 

 

Lastly, I carry a a mixed bag of remorse and requital in my mind. Remorse that Nisheet died so young for nothing and requital that my lessons were probably the last items in his dreams of a good soldiering career, when the mountain claimed him. I feel that my regular visits to the mess allowed me to meet this truly energetic young man who was not aloof, indifferent or self engrossed but was bubbling with enthusiasm and zest for life and willing to interact with people and learn, and while his face and smile still haunt me I am also thankful for that for otherwise he would have been just another faceless casualty among many that our army suffers for nothing.    

 

The only eternal question is Why Him God? Why Him! 

 

Rest In Peace you grateful departed soul. There are no more fire plans or appreciations to bother you.

Hyderabad: Army frowns as wives give out personal info

https://www.deccanchronicle.com/nation/current-affairs/080119/hyderabad-army-frowns-as-wives-give-out-personal-info.html

 

NATION, CURRENT AFFAIRS

Hyderabad: Army frowns as wives give out personal info

DECCAN CHRONICLE. | COREENA SUARES

PublishedJan 8, 2019, 12:38 am IST

UpdatedJan 8, 2019, 12:38 am IST

 

Officers, spouses warned of 'poor conduct' certificate, withdrawal of benefits.

 Army HQ has warned its officers and their spouses that they will be given 'poor conduct' certificate and face withdrawal of certain benefits if they violate the orders. (Representational Image | PTI)

 

Hyderabad: The Army Headquarters has taken serious note of the service personnels' wives investing in non-authorised business ventures as it is found to infringe on security.

Army HQ has warned its officers and their spouses that they will be given 'poor conduct' certificate and face withdrawal of certain benefits if they violate the orders.

 

Sources said the Army Headquarters through its intelligence agency had learned that wives of mid-rank and junior officers had invested in the US-based chain-building company Amway that deals with domestic and beauty products and Bikebot, a two-wheeler hiring app.

The business model of the two network-building companies is that they reward the investor for selling a service, product or an idea, and for enrolling two or more people.

Military security officials found that when the Army wives were signing up as members, they were giving out details along with personal and official data, contact numbers and addresses. These details are easily accessible from the distributor, a civilian, and could lead to a breach of security.
Sources said the involvement of military personnel's wives in business had led to civilians intruding into restricted military quarters under the pretext of business meetings. 

This could result in the disclosure of secured locations. Hyderabad is home to many weapon-manufacturing units. Personnel are trained in military units here before being sent for their posting.

A senior serving officer told this newspaper that cases of misconduct from Telangana and other states had been reported to the Army Headquarters.

"It was found that an officer's wife, a native of Telangana state, got in touch with an Amway distributor. She invited two other Army wives to join and the chain grew. The wives disclosed the nature of the officers' job. This apart, the whereabouts of officers were being disclosed to the group. More civilians began entering the restricted military quarters," the officer said.

"After the news reached the Army Headquarters, a fresh set of guidelines were issued for officers and their spouses. Wives who fail to follow norms will be sent home and the quarter facilities will be withdrawn," the officer said. The Army would issue a poor conduct certificate which will stay with them till retirement. The officer said that every morning a briefing is held explaining the do's and don'ts.

At Table of Remembrance, a place setting for one

Shared from the 1/6/2019 The Times Of India - Pune eEdition

At Table of Remembrance, a place setting for one

You are not forgotten, reads a plaque with five officers' names

Sandip.Dighe@timesgroup.com

 

 

FOR ONE OF THEIR OWN: The National Defence Academy has set a table at the cadets' mess for soldiers, who are declared as 'missing in action' by the government. It is the academy's pride

 

It's a cool morning and a staffer at the cadets' mess of the National Defence Academy (NDA) is busy cleaning the blackish wooden table kept right at its entrance.

 

At first glance, it appears to be a perfectly set for dinner with fine cutlery, candles, an inverted glass and a rose neatly placed. But, a closer look, shows a plaque hanging above the table.

 

"In times of war, there is high possibility that soldiers may not ever make it home. While it is traumatic for both the families and their peers, it is also damaging when the whereabouts and conditions of these soldiers remain unknown. Such soldiers are considered as MIA," explains Rear Admiral SK Grewal, deputy commandant of NDA.

 

Among the NDA alumni who never returned are Captain GR Singh (34 Course) from 5 Assam, Captain Kamal Bakshi (29 Course) from 5 Sikh, Major Jaskiran Singh Malik (23 Course) from 8 Rajasthan Rifles, Flying Officer Sudhir Tyagi (28 Course) from Indian Air Force and Flight Lieutenant Nagaswamy Shankar (26 Course) from the IAF. They have been respectfully listed as missing in action.

 

A chair leans against the table, on which is placed a touching poem framed for posterity. It reads, This table set for one is small.

Symbolizing the frailty of one prisoner alone against his oppressors.

 

Remember! The Single Red Rose displayed in a vase reminds us of the families and loved ones of our comrades-in-arms, who keep the faith awaiting their return.

 

Remember! The Red Ribbon tied so prominently around the vase is reminiscent of the red ribbon worn upon the lapel and breasts of thousands, who bear witness to their unyielding determination to demand a proper accounting of our missing.

 

Remember!"

 

It goes on, "The Candle, the candle is unlit — Symbolising the upward reach of their unconquerable spirit. The slice of lemon is on the bread plate to remind us of their bitter fate. There is Salt upon the bread plate — symbolic of the families' tears as they wait. The glass is inverted — they cannot toast with us this night. The chair — the chair is empty. They are not here."

 

The academy's mess is considered as the symbol of solidarity and brotherhood among cadets.

 

"We not only clean the table and the chair but also replace salt, lemon and a rose every single day, to keep it fresh for MIA," says the staffer, who was assigned the task six months ago. "This job is special, as it is a matter of pride to do it for the MIAs," the staffer added.

 

The position of the table holds significance, says Air Marshal TS Randhawa, former commandant of the academy who served between December 1, 2006 to December 31, 2008 and was instrumental in starting the tradition at the NDA.

 

"Once our MIA officers return to their ala mater, they should not find difficulties in searching for their table at the mess. Secondly, all the other cadets must remember them while leaving the place," explains Randhawa, who got positive feedback from veterans and his batch mates.

 

The objective, he said, was to give a message to the cadets that the armed forces never forget their supreme sacrifices and dedication.

 

"Many forget the sacrifices made by our soldiers. It is our duty to remember and honour them, time and again, in all possible ways," Randhawa added.

 

Cadets from the 135th course who recently graduated from the academy, said they will never forget the officers' sacrifices in their military career.

 

A cadet from 135th course said, "When I first visited the mess, I was perplexed by the table. But after I learned why it was there, I have been overcome with respect. I will never forget their supreme sacrifice for the country."

 

 

Another cadet from Hunter Squadron, said Captain Kamal Bakshi from the 5 Sikh regiment, will always remain his inspiration.

 

"His sacrifice will always inspire me throughout my military career. Whenever I shall visit the academy, I will first pay respect to the MIA at the mess," he said.

 

The academy has also allotted a dedicated space for MIA at their Hut of Remembrance, which enshrines and commemorates the sacrifices made by the academy's alumni, who died fighting in the wars and conflicts.

 

As soon as the government declares them dead, their names are written on the plaques, which are at present covered by tapes at the Hut of Remembrance

Admiral Grewal |

DY COMMANDANT

 

 

The Defence Ministry's approach to litigation: Misdirected, Highly Adversarial and Sadistic

Navdeep Singh

Attitudinal Problem, Pressure on Officers dealing with Litigation

In a Committee of Experts constituted by the Defence Ministry in 2015 on sentiment expressed by none less than the Prime Minister of India to reduce litigation, especially appeals filed by the government, of which even this author was a member, we were perplexed when many officers came to us with presentations portraying the methods of filing 'faster appeals' rather than methods to reduce appeals.

Of course, this militated against the very reason why the Committee was constituted. We had to repeatedly question and counsel many officers, while recording in so many words, that litigation was not a war or a sport that they had to score a 'win'. We also had to regrettably record in the Report as to how contemptuous language was used against the judiciary by certain elements and how suggestions were made to overreach courts.

How To Delink Your Aadhaar from Bank Accounts, Mobile Number, E-wallets

How To Delink Your Aadhaar from Bank Accounts, Mobile Number, E-wallets

Yogesh Sapkale
27 September 2018 16  

With the Supreme Court declaring Section 57 of the Aadhaar Act as unconstitutional, bank account-holders, e-wallet or mobile wallet users and mobile subscribers are no longer required to use their Aadhaar number. 

In fact, those who have already linked their Aadhaar number with bank account and mobile numbers can delink it. Some banks have already started allowing customers to delink Aadhaar number from their account numbers. Others will have to follow suit after the judgement by the Supreme Court. 

Will Writing ~ Claim the Free Sample inside!

Will Writing ~ Claim the Free Sample inside!

We have amended the format of Will which we had been sending to you and to our Financial Planning clients. 

Writing of Will and A sample format by Hum Fauji Initiatives We have amended the format of Will which we had been sending to you and to our Financial Planning clients. We have made it in a word format so that you can edit it as you deem fit to suit your requirements. Also, we neither have, nor intend to have a copyright to this format - hence, you can freely distribute this format to anybody whom you wish to benefit. The format should largely meet the requirements of most of the families and may not require any major changes in most cases. Please remember that there is no fixed format of a Will and it can be written in a manner that you find best suited to you. However, there are certain guiding points which you may find useful while preparing this important document:- 1. You need to be at least 21 years old to write a Will. Do use the title 'Last Will And Testament Of (state your name here)' to make it clear that the document is your Will. 2. State your full name, current address, and state that you are of sound mental state and under no duress from anyone to make the Will. Also name an Executor, a person who will carry through the tenets of the Will. You can name your spouse or the main beneficiary. If you are nominating an outside person to be the executor of your will, you must ask their permission first. If you have minor children, you must also indicate a guardian for them in your absence. 3. Your Will should be Simple, Precise and Clear. Otherwise there may be problems for the legal heirs. It is always better to take the advice of a trusted advocate when writing your will. 4.  A Will must always be dated. If more than one Will is made then the one having the latest date will nullify all other Wills. 5. It is better to make a Will at a younger age. As and when events or changes in the family necessitate changes the Will can be changed. 6.  A Will can be hand-written or typed out. No stamp paper is necessary. You can write a Will on a simple A4 piece of paper, sign and date it with witnesses and keep it in a secure location. It is often recommended to write your Will in your own handwriting as this can be verified later if there are any doubts raised by relatives. 7. Each page of the Will should be serially numbered and signed by the Testator (that is you) and the Witnesses. This is to prevent the Will being substituted, replaced, or pages being inserted by people intending to commit fraud. At the end of the Will you (the Testator) should indicate the total number of pages in the Will. Corrections if any should be countersigned. 8. If there are too many changes in the Will, it is better to prepare an entirely new Will rather than making modifications to an old Will. 9.  It is not compulsory for one to register a Will with the Registering Authority, but in case any property or asset is given to any charitable organization, then registration should be done. 10. A Will becomes operative only after the demise of the person making the Will i.e. the Testator. There is no restriction in the way you can deal with any assets even after making a Will. 11. If possible, have the two witnesses be a doctor and a lawyer. A doctor signing a will, won't raise any question of you, being of unsound mind. The lawyer, will vet the will and make sure you don't make stupid mistakes at the time of writing and signing it. 12. The attesting witness and his or her spouse should not be a beneficiary under the terms of your Will. This might create vested interests and sometimes make your will invalid. Also, make sure the witnesses are younger than you and not very old as your will might be in effect for several years! And you want them to be present in this world 13. Write your will on good quality thick white paper so it doesn't get spoiled over a period of time. It should be stored in a plastic envelope in full size, without folds. 14. Note that you should keep just one more copy of will and stored separately from the original will. The will must be stored very safely in your bank, in safe deposit box. You must also inform your next of kin, as to where you have stored your will. Do not make many copies of your will. 15. In case of Hindus, it should be clearly stated if the property is inherited or not, because it makes a huge difference, as no ancestral property can be assigned to any person through a will. All rights on inherited property are acquired by birth. So if you inherited a property from your Father, you cannot say in a will, that you want to assign it to person X only! It will go to all your legal heirs as it is "Inherited" 16. The value of assets often fluctuates, so it is better to mention how much each beneficiary will receive, in percentage terms rather than absolute numbers. Unless it is pure cash.  Claim the Free Sample of Will here! Copyright © 2018 HFI Wealth Creators Pvt. Ltd. All rights reserved. Our mailing address is: contactus@humfauji.in  Want to change how you receive these emails? Update your preferences or unsubscribe from this list.