Col. (Retd.) N. Muthukrishnan

Retired Colonel, Indian Army

Col. N. Muthukrishnan served the Indian Army with distinction, retiring at the rank of Colonel. He has first-hand experience of Military Service Pay, OROP, the Defence Pension Adalat process and the unique allowance structure of the armed forces. He reviews CG Seva's defence pay and pension content for service accuracy.

Stories by Col. (Retd.) N. Muthukrishnan

Defence

DSP Account Benefits 2026: Bank-Wise Insurance & Loans

Defence Salary Package DSP benefits compared across 10 banks: insurance cover, education assistance, loan concessions, and claim rules explained.

22 Aug 2026

Defence

Duplicate Discharge Book: Full Process for Ex-Servicemen

Duplicate discharge book process for ex-servicemen: required documents, ZSB verification steps, and the one precaution most veterans skip.

17 Aug 2026

Defence

NHAI Toll Exemption for Defence Personnel: Full Guide

NHAI toll exemption for defence personnel: full Rule 11 list, registration steps, tollgate basics, and every myth cleared with official sources.

6 Aug 2026

Schemes

FD Interest Rates for Government Employees 2026

FD interest rates for government employees and defence personnel compared across banks, with pension corpus, tax, and retirement planning angles.

3 Aug 2026

8th CPC

8th Pay Commission Chandigarh Visit: Sep 16-18 Dates

8th Pay Commission Chandigarh meeting is set for 16-18 September 2026. Here is the application deadline, eligibility, and how to apply.

31 Jul 2026

Defence

Zila Sainik Board Dependent Card: Is It Really Needed for Your Family?

Many ex-servicemen believe the Zila Sainik Board Dependent Identity Card is compulsory for their family members. Learn what this card is truly for, what it isn't, and which documents actually matter for your family's benefits.

15 Jul 2026

Pension

SPARSH Portal New Update 2026: Download Pension Circulars Without Login

Defence pensioners can now access official Government circulars on OROP, gratuity, disability pension, and more directly from the SPARSH portal, without needing to log in.

11 Jul 2026

Orders

Kiren Rijiju Salary & Net Worth 2026

Kiren Rijiju salary as a Union Minister is about ₹2.6 lakh a month and his net worth around ₹4.9 crore. Break-up of his pay, assets and Arunachal roots.

10 Jul 2026

Orders

Rajnath Singh Salary & Net Worth 2026

Rajnath Singh salary as Defence Minister is about ₹2.6 lakh a month and his net worth around ₹7.4 crore. Full break-up of his pay, assets and simple roots.

6 Jul 2026

Defence

CSD Canteen Smart Card 2026: Liquor & Grocery Limits

CSD Canteen Smart Card 2026: monthly grocery and liquor limits by rank, the IMFL bottle quota, annual caps, and the new any-URC and two-month purchase rules.

5 Jul 2026