Disclaimer:  We are a group of Veterans who intend to provide various services to Ex Servicemen (ESM) by closing the last mile gap that is in addition to and also beyond the scope of services of the Govt, such as ECHS, PCDA, SPARSH, AWPO, etc.

IVC is neither affiliated nor connected to any these organizations since we are an independent group of cooperative societies.  

The services are for members only who subscribe to share the operational costs to avail the benefits and are happily willing to pay for the costs of each service.

IVC is purely voluntary and open to all ESM.  These services are provided through civilian vendors such as the ubiquitous  cafeteria/tea bar,  photocopy/printing,  barber shop, tailoring/ dress alteration, laundry/ dry cleaning, stationery & gift shop, sports goods outlet, small convenience store. eSeva Kendra is one such amenity being provided by Veterans for Veterans.

1. Collection of Continue (CT) Medicines for home delivery, which may include assisting connectivity for Telemedicine  SeHAT, collection of prescribed medicines and delivery.
2. Provide Instant Pharmacy for NA Medicines, preparing documents & submissions of Claims.
3. 24/7 Helpdesk for all veterans.
4. Help in empaneled hospitals, provision of LOs,  patients’ attender duties and related services.
5. Assist Outstation Patients for transport, accommodations, etc.
6. Digital OPD, Lab tests with instant results, prescription, medicine collection and delivery.
7. Home Services Reach out – tele consultation, instant lab reports, physiotherapy, nursing services, collection. delivery of medicines, etc.
8. Procedures on death of members – cremation assistance including religious facilitation and last rites and subsequent event management to incl docu for transition of pension / will execution.
9. Setup PM-JAY / independent  pharmacies / ePharmacy transit  sorting hub..
10. Secretarial Services to include documentation work, tax compliance, asset portfolio and assist Will execution, etc.
11. Extension of services such as placement, CSD, travel, etc
12. Explore avenues for financial empowerment of members.

Note : The above are  Paid services required by those who want to save a avoidable visit to the PC to collect CT medicines every month.   Current Price list for each service is available online.  Veterans not in need of these services will also benefit by having 2/3 lesser waiting times and quicker turnaround.

About the  ESM Cooperatives

1. Location.   An ECHS Helpdesk  has been set up in the Integrated Arnt Veterans Centre on Cubbon Road, under  K&K Sub Area Bengaluru, (since 14 Jan 2026).  
2. Corporate.   This 1st Helpdesk will be a Unit of the Karnataka Veterans Cooperative Ltd (KVCL)  to be incorporated under the Karnataka Cooperative Societies Act.  Success of this  Helpdesk will pave the way for setting up similar help desks under cooperatives in all States and then integrate under a Multi-State Coop to share best practices and standards across India.
3. 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.  
4. Membership Fees. Membership is Rs 1000/- for the Founding Members for life of the veteran, their spouse and dependents. After registration  of the cooperative, the Membership Fees  will be decided in the first General Body meeting of founding members. 
5. Rs 51 monthly Subscription (Startup PC).  If 50% of 12,500 veterans dependent on MEG>BRV ECHS polyclinic (PC) become members, the subscription will be Rs 51/- per month. This may be impossible for the moment.  Anyway, to understand how it works, this subscription is budgeted to cover pre-op costs plus annual expenses.  More members, less subscription & vice versa; 23% members, Rs 101/- subs.  Hence your participation is important, immaterial of your PC, place or State.   This is at a  very nascent stage. 
6. Management. The cooperative will be managed by professional leaders to be engaged as per best industry practice to ensure delivery of quality service. ESM are  preferred but this is open to general public on merits, particularly substantial  industry experience. A board of governors shall evolve policies and steer at macro level.  All decisions will be evolved.
7. Pre Operational Expenses. A veteran managed charitable trust has offered interest free refundable pre-op expenses for set up of the office and mobilization staff costs.  Any veteran can offer to participate in this “raising” or pre-op costs  through sweat or seed money are welcome to join.
8. 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 to the new bank account of the State cooperative to be opened. The Trust will not spend the funds except refunds to members immediately on demand before the AGM of the cooperative.
9. Home Delivery of Medicines.  Kindly read our policies on home delivery of medicines. 

Why your Membership is Important…

1.   This is your society, owned by veterans for veterans.  Yeh apni sisoti hai !!!
2.   Your participation as founder will enable setting up of a dedicated ESM operated services provider for a spectrum of services required by ageing veterans.
3. Discounted cost of services and seamless same day consultation to medicines incl lab tests.
4. Democratic and transparent organization that allows all members to participate in governance and  committees.

The services offered by the veterans cooperative is not provided by the ECHS.  For example, the  cafeteria or tea stall, photocopier and stationary vendors provide amenities for comfort of veterans who have travelled through thick traffic in inclement weather to avail ECHS services.  in an operational unit such as the CHAF, you have similar vendors providing services such as barber, tailor, spectacle shoppe as well, all paying lease and license to the DEO.   We are similar facility for covering one more gap between ECHS services and what is desirable for ageing veterans.   And we are the stakeholders operating this facility, by veterans for veterans as well.  

For example, ESM have to travel to the ECHS every month to collect medicines which involves both cost of travel. stress and avoidable waste of time.  Sometimes twice or even thrice a month.  This can be avoided if ECHS provides medicines for chronic diseases for 90 days as provided in the SOP on Medicine Management.   Doctor consultation is mandatory as per DGAFMS so that dosages can be reviewed,     Since ECHS cannot provide 90 days medicines, we have to travel to ECHS to collect medicines besides the stress of standing in Q pe Q (Registration, Doctor, Pharmacy-1, Pharmacy-2 & NA counter, not to talk of buying NA medicines from outside, making and submitting claims.  

The services offered are totally optional, like chai and samosa. Its totally up to you. 

The cost of life membership and  annual subscription will be far less than what one  spends without questioning if it can be avoided.  Once this mathematics is evaluated, it will be clear that we are the offsetting the avoidable  hidden cost of travel in scooter, auto, or car that we are already incurring and getting relief from stress as well. 

The Govt of India has also started free home delivery of medicines, but its only for NA medicines and that too for veterans above 70 years, which is really the tip of the iceberg.   Also, the Govt is introducing Tele Medicines which will generate ePrescription.  So, the veteran is saved only one Q, ie., the Doctor Q in the Q pe Q routine. Our veterans cooperative of which you can be an equal member will collect these medicines and dispatch it to your home seamlessly.   But it has to be paid, naa?

For those who enjoy the visit to the ECHS as an outing, can continue their regular method of  collecting medicines will also benefit from lesser Q pe Q routine.   After all this is a voluntary Atmanirbhar initiative by veterans for veterans.  

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 under the positive reach out by the HQ K&K Sub Area in the first week of Dec 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 a-Political and a-Religious (agnostic).   Any references to politicians (in ruling / opposition)  or using religion to spread undesirable infractions will be disqualified from membership of the veterans cooperative.

DRAFT BYLAWS OF THE KARNATAKA VETERANS COOPERATIVE LTD (PCK for other State Cooperatives to be formed)

1. Membership

• Open to all honorably 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.

2. 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.

3. 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

4. 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.

5. 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.

6. 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.

7. 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.

8. 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.

9. 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.

10. 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

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

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

Member Duties

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.