Indian Veterans Corp
Quality | Time | Price
Ex Servicemen (ESM) Cooperative Society
A cooperative is a jointly owned and democratic enterprise that aims to meet the economic, social, and cultural needs of its members. We are committed to values and principles of fairness and equality with “one member, one vote” rule. An ESM Cooperative Society is proposed to be formed with a help desk in each ECHS Polyclinic to provide a spectrum of services to ESM. Veterans are invited to join the ESM Cooperative as members and management committees. The first Cooperative is planned in Karnataka and the first ECHS Enhanced Helpdesk is planned to be opened in the Veterans Center on Karnataka Rajotsava Day, ie., 01 November 2025.
Important Notes: The Cooperative has a fiduciary responsibility to make sure that Funds of the ECHS are NOT fraudulently misused or diverted and that is an Honor code of Veterans. This responsibility emerges from some cases that came to light where profit and business target hungry hospital marketing team colluded with some unscrupulous ECHS beneficiaries to cheat the system.
Also, as defence forces personnel, we are required to be aPolitical and aReligious. Any one quoting names of politicians or using religion to spread undesirable infractions will be promptly evicted from membership of the cooperative.
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- Public Notice Karnataka Veterans Society
Services Offered
- Collection of Continue (CT) Medicines for home delivery, which may include assisting connectivity for Tele-medicine eSeHAT, collection of prescribed medicines and delivery.
- Provide Instant Pharmacy for NA Medicines, preparing documents & submissions of Claims.
- 24/7 Helpdesk for all veterans.
- Help in empanelled hospitals, provision of LOs, patients’ attender duties and related services.
- Assist Outstation Patients for transport, accommodations, etc.
- Digital OPD, Lab tests with instant results, prescription, medicine collection and delivery 24/7.
- Reach out for Home Medical Services to include tele consultation, instant lab reports, physiotherapy, nursing services, provision and delivery of prescribed medicines.
- Procedures on death of ECHS / CGHS beneficiaries, cremation assistance including religious facilitations and last rites and subsequent event management.
- Setup PM-JAY / indep pharmacies.
- Secretarial Services, manage financial and asset portfolio for ESM and assistance in Will execution.
- Extension of services such as placement, CSD, travel, etc
- Explore avenues for financial empowerment of members.
Note : The above are to be as Paid services. Price list for each service shall be published online. Veterans not in need for these services may continue with regular available channels.
About the ESM Cooperatives
- Initially, an ECHS Helpdesk will be set up in the Veterans Block on Cubbon Road, under K&K Sub Area Bengaluru, Karnataka.
- Corporate Structure. This 1st Helpdesk will be a Unit of the Karnataka Veterans Cooperative Society to be incorporated under the Karnataka Cooperative Societies Act. Success of this Helpdesk will pave the way for setting up similar cooperatives in all States and then integrate under a Multi-State Coop to share best practices and standards across India.
- Who can Join. All retired defence forces personnel are eligible to join, including family pensioners. This notice is an invite to all veterans to be a part of being founding members in their respective States.
- Membership Fees. Interim Membership is Rs 1001/- for the Founding Members for life of the ESM, their spouse and dependent child if any by inheritance. After incorporation of the cooperative, the final Membership Fees will be defined in the first General Body meeting of founding members.
- Annual Subscription. Assuming a member base of a minimum 15,000 members, the annual subscription fees per member within the dependency of a ECHS polyclinic (PC) will be Rs 525 or less with more members. This subscription will be used to cover the operational costs for 18 months incl pre op costs.
- Management. The cooperative will be managed by professionals to be engaged as per best industry practice to ensure delivery quality. ESM will be preferred appointments are open to the general public on merits, particularly industry experience.
- Pre Operational Expenses. A veteran driven public charitable trust will advance interest free pre-operational expenses for set up of the office and staff costs.
- Payment of Membership Fees. Till the cooperative bank account is opened, the charitable trust will receive and hold the initial Membership Fees. These funds will be transferred without any deduction to the new bank account of the cooperative to be opened. The Trust will not spend the funds except refunds to members immediately on demand before the AGM of the cooperative.
Benefits of Joining the Cooperative
- Your participation as founder will enable setting up of a dedicated ESM operated services provider for a spectrum of services required by ageing veterans.
- Discounted cost of services and seamless same day consultation to medicines incl lab tests.
- Democratic and transparent organization that allows all members to participate in committees.
DRAFT BYLAWS OF THE KARNATAKA VETERANS COOPERATIVE LTD
- Membership
- Open to all honourably discharged defence personnel residing in Karnataka.
- Associate membership available for dependents and allied service providers.
- Admission requires Board approval and payment of ₹500 entrance fee.
- Members’ liability is limited to the unpaid amount on their subscribed shares.
- Capital Structure
- Authorized share capital: ₹20,00,00,000 (Rupees Twenty Crores)
- Shareholding per member: ₹1,000
- Shares are indivisible and non-transferable except under Section 24 of the Act.
- Governance
- Board of Directors: Minimum 7, maximum 15 members.
- Office Bearers: President, Vice-President, Treasurer, Secretary.
- Elections held every 5 years.
- Subcommittees include:
- Healthcare & Rehabilitation
- Sustainable Agriculture & Waste Systems
- Finance & Compliance
- AI Governance & Ethics
- General Body
- Supreme authority of the society.
- Annual General Meeting (AGM) held within 6 months of financial year end.
- Special General Meetings convened by 1/3rd member requisition or Board resolution.
- Each member has one vote.
- Funds & Accounts
- Sources of funds: Member contributions, grants, service revenues, institutional loans.
- Annual audit conducted by a certified auditor under Section 63.
- Surplus funds reinvested in member services, infrastructure, and community development.
- AI-Assisted Governance Framework
- Digital Member Dashboard: Tracks services, benefits, and grievances.
- Sensor Integration: For poultry, composting, and health monitoring systems.
- Ethical AI Layer: Supports decision-making in resource allocation and policy refinement.
- Feedback Loop: Member surveys and sentiment analysis inform governance updates.
- Data Privacy: Compliant with national standards; anonymized analytics used for planning.
- Compliance & Filings
- MCA filings: Form 8 (Statement of Accounts & Solvency), Form 11 (Annual Return).
- Income tax returns filed annually.
- Statutory registers maintained digitally and securely.
- Dispute Resolution
- Internal grievance redressal committee mediates member issues.
- Unresolved disputes referred to the Registrar under Section 70.
- Optional AI-based mediation dashboard for transparency and efficiency.
- Amendments to Bylaws
- Proposed by the Board of Directors.
- Ratified by two-thirds majority in the General Body.
- Amendments come into force upon approval by the Registrar under Section 13.
- Dissolution
- Society may be dissolved by three-fourths majority vote of the General Body.
- Requires sanction from the Registrar.
- Assets distributed in accordance with Section 72, prioritizing veterans’ welfare.
Section C: Annexures
Annexure A: Founding Member List
| Ser | Rank | Name | Retired on |
| 1 | Lt Gen / Maj Gen | ||
| 2 | Air Msl / AVM | ||
| 3 | Vice Adm / R Adm | ||
| 4 | Brig / Col | ||
| 5 | Air Cmde / Gp Capt | ||
| 6 | Cmde / Capt (IN) | ||
| 7 | Sub Maj / Hon Capt / Lt | ||
| 8 | MWO / WO | ||
| 9 | MCPO / CPO | ||
| 10 | Lady Offr | ||
| 11 | Lady Offr | ||
| 12 | Lady Offr | ||
| 13 | Any Rank | ||
| 14 | Any Rank | ||
| 15 | Any Rank |
Annexure B: Share Subscription Form
I, [Full Name], hereby subscribe to ₹1,000 worth of shares in Karnataka Veterans Cooperative Society Ltd.
I understand that my liability is limited to the unpaid amount on these shares.
Signature: ___________________
Date: ________________________
Annexure C: Office Bearer Declaration
I, [Full Name], accept the role of [Position] in Karnataka Veterans Cooperative Society Ltd.
I affirm to uphold the bylaws, ethical standards, and responsibilities entrusted to me.
Signature: ___________________
Date: ________________________
Annexure D: AI Governance Charter
Purpose:
To ensure transparency, efficiency, and ethical decision-making through AI-assisted systems.
Components:
- Member dashboard with service tracking
- AI-supported grievance redressal
- Predictive analytics for resource allocation
- Data anonymization protocols
- Oversight by AI Governance Subcommittee
Ethical Principles:
- Transparency and explainability
- Consent-based data use
- Bias mitigation
- Human override in critical decisions
- Regular audits and member feedback integration
Annexure E: Annual Compliance Calendar
Filing | Due Date | Responsible Officer |
Form 11 (MCA) | May 30 | Secretary |
Form 8 (MCA) | October 30 | Treasurer |
Income Tax Return | September 30 | Chartered Accountant |
Audit Report | July 31 | Auditor |
Annexure F: Subcommittee Mandates
- Healthcare Subcommittee: Veterans’ clinics, insurance, mental health support
- Agriculture Subcommittee: Composting, poultry systems, gel-mat innovation
- Finance Subcommittee: Budgeting, grants, compliance tracking
- AI Governance Subcommittee: Ethics, dashboard oversight, member feedback loop
Annexure G: Draft Resolution for Registration
Resolved that the Karnataka Veterans Cooperative Society Ltd. be registered under the Karnataka Co-operative Societies Act, 1959, with limited liability.
The President is authorized to submit all necessary documents to the Registrar.
Date: __________________
Signature: __________________
Annexure H: Digital Infrastructure Plan
- Veteran Dashboard: Tracks services, benefits, alerts, and grievances
- AI Mediation Panel: Prioritizes disputes, suggests resolutions, logs outcomes
- Data Protocols: Secure cloud storage, anonymized analytics, audit trails
Annexure I: Branding & Communication Guidelines
- Logo: Emblem featuring Ashoka Chakra + artillery silhouette
- Color Palette: Olive green, saffron, steel grey
- Typography: Clean sans-serif fonts (e.g., Lato, Calibri)
- Templates: Presentation decks, onboarding kits, outreach brochures
- Tone: Respectful, empowering, transparent.
RIGHTS & DUTIES OF MEMBERS
Preamble
This document affirms the foundational principles of mutual respect, democratic participation, and service that guide the Karnataka Veterans Cooperative Ltd (KVCL). It ensures that every member—especially defence veterans and their families—are empowered to contribute meaningfully to the cooperative’s mission.
Originating from the exalted fraternity of the Indian Defence Forces of India, all members are required to maintain sanctity of the critical ingredient of being apolitical and areligious.
Member Rights
Category | Rights |
Participation | – Vote in General Body Meetings and elections. |
Access to Services | – Avail cooperative benefits (healthcare, housing, employment, etc.). |
Information & Transparency | – Inspect society records and audited financials. |
Protection & Fairness | – Be treated with dignity and non-discrimination. |
Contribution & Recognition | – Participate in committees and working groups. |
Member Duties
Categoitiry | Duties |
Ethical Conduct | – Uphold cooperative values of integrity, service, and solidarity. – Fiduciary responsibility to avoid fraud / misuse and report incidents if any. |
Participation & Engagement | – Attend General Body Meetings and vote responsibly. |
Financial Responsibility | – Pay membership fees, dues, and service charges promptly. |
Compliance & Governance | – Abide by the bylaws, resolutions, and policies. |
Community Building | – Support fellow members, especially vulnerable veterans. |
Special Provisions for Veteran Members
Veteran members may be entitled to additional rights and responsibilities, including:
- Priority access to welfare schemes and healthcare services.
- Representation in strategic planning and advisory boards.
- Participation in legacy, commemorative, and regimental initiatives.
- Leadership roles in mentoring, training, and community outreach.
Amendments & Review
This document shall be reviewed annually by the Board of Directors and ratified by the General Body. Amendments may be proposed by any member and adopted through majority vote.