Saturday, April 30, 2011

NEW FITMENT CHART ON PROMTION FOR SCALE 1 T0 2 AND SCALE 2 T0 3 etc.,!!

HERE IS THE NEW FITMENT CHART ON PROMOTION FROM CLERK TO OFFICER &
SCALE 1 TO 2 , 2TO 3....... AS PER The IBA  Circular


AIBOC CLAIM THE FOLLOWING IMPROVEMENTS ARE MADE:

Highlight  of the modified formula as under:

a)            Fitment formula on promotion from clerical cadre to officer cadre in JMG-I on or after 01.11.2007 will be at a minimum scale of officer at Rs. 14,500/- basic pay upto 9th stage in clerical scale.
b)           25th stage in clerical scale is equivalent to Rs. 25,700/- basic pay in Officer’s Scale-I.
c)            Appropriate adjustments in the date of effect of next increments in higher scale are made to avoid anomalous situations.
d)           Adjustments on account of passing of CAIIB/JAIIB, in fitment on promotion to next scale.
e)            Introduction of Temporary Adjustment Allowance to protect Basic Pay plus Dearness Allowance of an officer on promotion, as compared to Basic Pay plus Stagnation Increment plus Special Pay plus Dearness Allowance drawn as clerical staff, which will be wiped off in three years at 1/3rd of TPA.
f)             Grant of CAIIB increment(s) for those employees passing CAIIB after reaching 20th stage, in clerical cadre, on promotion to officer scale-I.
g)            Protection of stagnation increment due in previous scale, on promotion to higher scale.
h)           Protection of fixed personal pay on promotions etc.
i)             The higher starting scale for Scale-IV & V has been protected in the fitment formula.

Chart on promotion from Clerical cadre to Officer cadre
 in JMG Scale I, on or after 1.11.2007

Stage
Pay in Clerical Cadre
Fitment at corresponding stage in Junior Management Grade Scale I
From 1.11.07 
to  30.4.10
From 1.5.10
onwards
1
         6200                 7200
14500
2
         6600                 7600
14500
3
         7000                 8000
14500
4
         7400                 8400
14500
5
         7900                 8900
14500
6
         8400                 9400
14500
7
         8900                 9900
14500
8
         9500                10500
14500
9
        10100               11100
14500
10
        10700               11700
15100
11
        11300               12300
15700
12
        12000               13000
16300
13
        12700               13700
16900
14
        13400               14400
17500
15
        14100               15100
18100
16
        14800               15800
18700
17
        15500               16500
19400
18
        16200               17200
20100
19
        17500               18500
20900
20
        18300               19300
21700
+1
        19100               20100
22500
+2
        19900               20900
23300
+3
        20700               21700
24100
+4
        21500               22500
24900
+5
        22300               23300
25700
+6
        23100               24100
25700
+7
        23900               24900
25700

Note :  
1.
The promotee officer after fitment as above, will draw his next increment in the Officers' Scale on the anniversary date of his last increment in clerical cadre and thereafter he will draw his further increments every year on the same date.  However, in view of the clubbing of stages in the fitment table, the employee in thelower clubbed stage of clerical scale of pay will get his next increment after promotion on the anniversary date of promotion.

        2.
Those who were drawing a basic pay between the 1st and 9th stage in the clerical scale given in the above table, will be fitted at the minimum of the Officers' Scale and will draw their next increment on the anniversary date of promotion.
   3.(a)
 Those who have completed more than one year at basic pay of `18300/19300, `19100/20100, `19900/20900, `20700/21700, `21500/22500 will draw their next increment on the anniversary date of their last increment in the clerical cadre immediately following the date of promotion and will draw their subsequent annual increment on the same date.

Those who have completed less than one year at basic pay of `18300/19300, `19100/20100, `19900/20900, `20700/21700 & `21500/22500 will draw their next increment after fitment, on the anniversary date of promotion and thereafter draw their annual increments every year on the same date.


      (b)
Those who have completed more than one year at basic pay of `22300/23300, `23100/24100 and `23900/24900 will be given fitment in the Officers' Scale at `25700 and will earn their next increment on the anniversary date of promotion subject to their crossing their Efficiency Bar as per guidelines issued by the Government under Regulation 5 of Officers' Service Regulations.
      (c)
In all cases where promotee officers reach the maximum stage in the substantive JMG Scale I (`25700), further increment in the next higher scale will be subject to their crossing Efficiency Bar as per guidelines issued by the Government under Regulation 5 of Officers' Service Regulations
4.
Promotees who are drawing Fixed Personal Pay in terms of Settlement dated 27.4.2010 may continue to draw the same quantum of Fixed Personal Pay even after promotion which shall remain unaltered till revised (please refer to IBA circular no.CIR/HR&IR/90/665/E12/2010-11/1416 dated 30.9.10.)
5.
If the promotee officer has passed JAIIB or CAIIB at the time of his promotion, notional basic pay will be arrived at after reducing the increments earned for passing JAIIB/CAIIB, from the clerical basic pay.  He shall then be fitted in the Officers' Scale in accordance with the above table and appropriate one or two increments in the Officers' Scale shall be added with basic pay so fixed.  The date of increment will be determined as per (1) above, if after reduction of increments in the clericial scale, the basic pay falls in the lower clubbed stage.  This adjustment, however, will not be made where the number of increments to be reduced is higher than the number of increments to be granted.
6.
If despite the fitment as given above, the emoluments (basic pay and dearness allowance) drawn as an officer on promotion are less than the emoluments (basic pay and stagnation increment if any, functional special pay on permanent basis and dearness allowance) drawn as a clerk, the difference may be protected by way of Temporary Personal Allowance to be wiped off, in three years, at the rate of 1/3 Temporary Personal Allowance.  This allowance will not rank of dearness allowance and superannuation benefits.
7.
If an employee has passed CAIIB after reaching the 20th stage of the clerical cadre and promoted to Officers’ scale subsequently, he/she shall be granted one increment for passing CAIIB Part-I/JAIIB and another increment for passing CAIIB Part-II after fitment in Officers’ scale as per his/her clerical stage of pay before promotion.

COURTESY:IBA

Officers’ Service Regulations – Fitment on promotion from one Scale to a higher Scale Procedure for Fitment of pay of officers on promotion from one scale to another.

1.   At the time of fitment of an officer on promotion to the higher scale of pay, the number of increment he would have/had earned i.e., one increment each for passing JAIIB/CAIIB Examination, as the case may be, shall be first reduced from the existing pay of the concerned officer prior to his fitment in the higher scale of pay on promotion. If, however, the officer is at the maximum of the scale, the following procedure should be adopted:

(i)      If the stagnation at the maximum of the scale is less than one year, the officer would not be drawing any Professional Qualification Pay. Then the number of increments i.e., one increment for JAIIB/CAIIB, as the case may be, included in his Basic Pay shall be reduced in the existing scale.

(ii)     If the stagnation at the maximum of the scale is for a year or more but for less than 2 years, the officer would be drawing a Professional Qualification Pay of Rs 410/- p.m. In such cases, if he had passed both JAIIB/CAIIB before the date of promotion, then one increment shall be reduced in the existing scale. If, however, such Professional Qualification Pay of Rs 410/- p.m. is for JAIIB only, then no increment need be reduced from the existing scale.

2.   If the stagnation at the maximum of the scale is for 2 year or more, the officer who has passed both JAIIB/CAIIB before the date of promotion, would be drawing a Professional Qualification Pay of Rs 1030/- p.m. In this case, there would be no scope for reducing the increments for JAIIB/CAIIB as even without CAIIB increments the officer would be at the maximum of the scale.

Note: The purpose of the above exercise is to determine as to what stage of scale of pay the officer would have been, had he not been granted increments for passing JAIIB/CAIIB.

3.   Thereafter, one increment shall be notionally added in the old scale i.e., the scale from which the officer is being promoted and his pay shall be fixed at the appropriate stage in the higher scale. Where in the pre-promoted scale, the officer has already reached the maximum, the notional increment to be added would be equal to the last increment drawn by him in the pre-promoted scale. The fixation so arrived will be the Basic pay in the promoted scale as on the date of promotion.

4.   After such fitment in the higher scale of pay one or two increments shall be added to the Basic Pay so fixed in respect of JAIIB or of CAIIB, as the case may be. If, however, no increments are available in the scale, or only one increment is available in the scale, after allowing the available increment/s, the officer shall be allowed Professional Qualification Pay in lieu of such remaining increment(s), if any.

5.   Normally, where an officer is promoted from one scale to another, the date of his increment shall be the anniversary date in the previous scale of pay. Where however, an officer has reached the maximum in the previous (pre-promoted) scale of pay or on promotion gets an increase in the Basic Pay equivalent to two or more increments in the previous (pre-promoted) scale of pay, the date of increment shall be the anniversary date of promotion. However, if the Basic Pay after reduction of JAIIB/CAIIB increments is not at the maximum, then the date of increment shall be the anniversary date off last increment. Provided further that if an officer who is in Scale 1, II or III is promoted to higher scale after reaching the maximum in the previous (pre-
promoted) Scale of pay but before drawing stagnation increment, the date of his increment in the higher scale shall be the anniversary date of promotion or due date of stagnation increment in the previous (pre-promoted) scale whichever is earlier.

6.   In the case of officer in Scale I and II promoted after moving into higher Scale II and III because of stagnation movement, the notional increment to be added shall be the increment drawn by him on the date of promotion and the next and subsequent increment shall be on the anniversary date on which the member has drawn his increment in the previous scale.

7.   Promotees who are drawing Fixed Personal Pay in terms of Settlement dated 27.4.2010 may continue to draw

the same quantum of Fixed Personal Pay even after promotion which shall remain unaltered till revised.

Fitment Chart on Promotion from




Scale-I to Scale-II

Scale-II  to
Scale-III

Scale III to Scale IV




























Stage

Scale-1

Scale-II

Stage

Scale-II

Scale-III

Stage

Scale-III

Scale-IV





























1

14500]





1

19400]




1

25700





2

15100]





2

20100]




2

26500





3

15700]





3

20900]




3

27300





4

16300]





4

21700]




4

28100

30600



5

16900]





5

22500]




5

28900

31500



6

17500]





6

23300]




6

29700

32400



7

18100]





7

24100]




7

30600

33300



8

18700]


19400

8

24900]


25700

8

31500

34200



9

19400


20100

9

25700


26500

++

32400

35200



10

20100


20900

10

26500


27300

++

33300

36200



11

20900


21700

11

27300


28100

++

34200

36200



12

21700


22500

12

28100


28900

++

35100

36200



13

22500


23300

+

28900


29700










14

23300


24100

+

29700


30600


Scale IV to Scale-V



15

24100


24900

+

30600


31500

Stage

Scale-IV

Scale V



16

24900


25700

+

31500


31500

1

36200

42000



17

25700


26500

++

32400


32400

2

37200

42000



+]

26500


27300

++

33300


33300

3

38200

42000



+]

27300


28100

++

34200


34200

4

39300

43200



+]

28100


28900









5

40400

44400



++]

28900


29700


















++]

29700


30600


















++]

30600


31500


















++]

31500


31500

















+Sliding






Note:   Those who are getting promoted to Scale III after reaching the

++Stagnation increments



Basica Pay of Rs 33300/- and Rs 34200/-,their next stagnation











increment will be released on the date it was due in the earlier Grade.


 Courtesy:SIBOA

32 comments:

Anonymous said...

Please give details. I am promoted to MM-II on 01.12.2009 after reaching maximum in the scale of (Sliding) and my fitment has anomaly. I have been given only one notional increment. Procedure for fitment, I presume, is different in case an officer has reached maximum in the existing scale at the time of promotion. The same can be confirmed only when detailed IBA circular is made available.

B.Krishnamoorthy
Deputy Manager
SBT, RASMECCC
Thrissur Kerala
9961480158

Anonymous said...

recently i got promotion in andhra bank from head cashier to asst manager my present basic is 20900 and i am MA JAIIB what will be my new scale when i will get my next increment my date of joining in the bank is 25th oct,1986....V.SRINIVASA RAO,ANDHRA BANK,KGH BRANCH,VISAKHAPATNAM-530002 AP
9440634674

Sanjay said...

Sir,
Thanks for nice information.
I was promoted on 11.07.2009 from Officer Scale I to Scale II at pay scale of Rs.28100. My previous increment month was October and got last increment in Oct.2006, while promotion increment provided in Oct.2009 with Pay scale of Rs.28900. Wheather is it correct that no increment in the month of promotion, but increment in the month of previous year's continuing month.
Sanjay Garg
Branch Manager
Prathama Bank Gajraula PIN 244235
Mobile - 9756799173
8881053388

vishnu said...

I'm from sapthagiri grameena bank(sponsored by INDIAN BANK) and was
promoted from clerk to officer on 24th june 2011. I have completed
CAIIB both parts in April 1998 and reached stagnation on september
2003, i have received stagnation increments in sep 2006, sep 2009.
As on june 2011 in clerical grade my
BASIC is 20900,
PQA is 1230,
special allowance 500.
After promotion (to officer grade) my fitment was fixed by HRM
department as 23,300, and next increment due on june 2012.
one of my friends with same service as me has completed CAIIB after
20th stage in clerical grade also got promoted with me.
His BASIC as on june 2011 in clerical grade is 20100, now his fitment
was fixed by HRM department as 24,100.
i feel my fitment was wrongly fixed by HRM. Please guide me.

Anonymous said...

My case is same as "Vishnu" above except I am fitted at Rs.22500 after getting promotion in September 2011 please guide me on E-Mail niti11170@rediffmail.com
Thanks

Anonymous said...

Sir,

I got my first stagnation increment of Rs. 32400.00 in Scale II on 01.09.2010 and promoted to scale III in Oct 2010. Please advise when will I get 2nd stagnation increment Rs. 33300.00 on 01.09.2013( due date of stagnation increment in MMG II ) or in Oct 2011(Anniversary date of promotion ), as per new fitment formula on promotion reached between IBA and member banks.

Thanks

ANIL KUMAR DUA
09560886304

Anonymous said...

i got my first stag incrm. on 01/05/2007 and second on 01/05/2010 reaching b.p 28100+1600 with fpp 940 and pqp 1030...i got promotion to scale 2 on 10/06/2011 what shal be my new basic ,fpp, pqp
thanks.
anil

Anonymous said...

Anonymous said...
i got my first stag incrm. on 01/05/2007 and second on 01/05/2010 reaching b.p 28100+1600 with fpp 940 and pqp 1030...i got promotion to scale 2 on 10/06/2011 what shal be my new basic ,fpp, pqp
thanks.
anil
December 25, 2011 4:00 PM
sir, i have not yet recd any clarification

Anonymous said...

if a enggi. can join the bank then any extra preference is given related to promotion ???
plz tel me
email id- vijay4u6828@gmail.com

Indian Bank Kumar said...

No.

Indian Bank Kumar said...

Reply to above comments/questions:
1. IBA has issued a guide line for fitment of basic pay on promotion from clerk to officer and from I scale to oanother.

2. It is applicable to 46 banks which hve signed 9th Bi-partite.

3.Individual unions/association in the respective Banks have to negotiate with the management and arrive at an agreement.

4. Unions in your bank should have an agreement with ur bank.
your fixation will be according to that agrement only.

Anonymous said...

SIR I'VE JOINED THE BANK IN SEP 1993AS CLERK.I GOT PROMOTION IN MAY 2007 AS OFFICER.MY BASIC PAY @ CLERICAL CADRE WAS 11680(18 TH STAGE INCLUDING 2 INC FOR GRADUATION,1 COMP ADV INCREMENT, 1 INCREMENT FOR JAIIB),AND I WAS ENTITLED FOR THE HUGE INCREMENT(19TH STAGE) IN SEP 2007 AS CLERK.BUT I WAS FIXED FITMENT AT 13820 ONLY IN OFFICER CADRE AND I GOT THE NEXT INCREMENT IN SEP 2007.NOW COMPARING THE RECENT FITMENT WEF 1.11.2007(I WAS PROMOTED IN MAY 2007) AND MY FELLOW OFFICERS WHO JOINED AND PROMOTED WITH ME ARE RECEIVING ONE INCREMENT EXTRA.AFTER PROMOTION I'VE COMPLETED CAIIB AND PRESENTLY RECEIVING BASIC OF 24100(SINCE SEP 2011).BUT OTHERS ARE GETTING 24900.PL CLARIFY ANY ANAMOLY IN MY FITMENT?

Anonymous said...

I got promoted clerical to officer on july 2011. my basic was 24900+500+800+490+da, now as JMG-I my basic pay fixed as 25700/- loss of Rs. 1800 whether my fitment is correct and the difference of loss is how to be rectified. pls clarify

Anonymous said...

In No Case your salary will be less than what were you getting before promotion excluding temporary allowances how ever your fixed allowances can be adjusted in three years after your promotion call TAA but you will never get less than the last salary drawn in clerical cadre.
Ajit Bhatnagar

R S Jain said...

My basic( 31500) stagnated on 01.01.2010 in scale 2 with two increment from CAIIB.Got 1st PQA of 410 on 01.01.11. Promoted to scale 3 on 19.12.2011.what should be the new basic after promotion.

Unknown said...

I HAD JOINED UCO BANK IN THE YEAR 1974 AS CLERK. WORKING AS SPECIAL ASSISTANT I GOT PROMOTED IN FEB 2001. MY BASIC AT THE TIME OF PROMOTION WAS Rs.10120/- + SPECIAL ALLOW Rs.1342/- + FPA Rs.378/-
I HAD PASSED CAIIB-I IN 1994 at the stagnation stage but no increment was awarded, MY FITMENT MADE AT Rs.12200/- without change in anniversary date and without CAIIB-I INCREMENT. I HAD RECEIVED THIRD STAGNATION ON NOV 2000 and promoted on 20th Feb 2001.
other officers who were having basic Rs.10120/-and Rs.9740/- fitted at Rs.12540/-and Rs.12200/-with change of anniversary date of increment from Sept,Oct to Feb giving them extra increment where as my anniversary date was not changed to Feb and deprived me of one increment which required as per fitment chart I have repeatedly represented the case but regional office not yet settled the issue consequently I am at great loss since 2001.
PLEASE HELP ME WHAT I SHOULD DO?

Anonymous said...

Sir, I am working in SBH. Recently I am promoted to MMGS II wef 01.08.2013. At the time of getting promotion my Basic Pay was Rs.19400/- and as per Fitment Policy my new Basic Pay is Rs.20,100/-.

My friend who was promoted to MMGS II along with us got New Fitment Basic Pay as Rs.21,700/- from Rs.19400/- ( CAIIB ). Is CAIIB gets 2 increments extra than normal FITMENT ? It is not mentioned in your Fitment Chart.

Kindly help us in this regard.

With Regards,

Balu

Unknown said...

My details are as under:

Date of joining as a clerk:23/12/1978
Date of promotion as JM I :25/02/2013
B.COM. CAIIB II
Last increment drawn on 01/12/2012
Date of birth : 15/01/1959
Salary Particulars as a clerk as on FEB 2013
Basic Pay : 19300+Stag Incre.5600+PQP 1230 (CAIIBII)+Sp,Pay of Universal Teller as Sp. Assistant in other Banks 1180+
DA 21916+HRA 2048+PPP 1502+Tran Allowance 275= Total Rs 53051 in which Basic calculation as under which will be counted for
super annuation:
Basic 19300+stag Incre 5600+PQP 1230+Sp Pay 1180+PPP Basic 800= Total Basic 28110
on which PF @ 10% was deducted Rs 2811/-
And due to my promotion my basic which was Rs 28110/ was REDUCED to 27300/-
And as you mentioned total is protected but there is seniority service loss as next due date Feb 2014 I will get 28100 from 27300
and if total is protected then what I get more due to promotion is nil and if I die today, my Mrs will get less pension than if I was in
clerical cadre and hence my question is only whether basic gets REDUCED in any promotion ?
And what about PQP and Sp.Allowance ?
Pl calculate my fitment,
my email id is dilipvasa@gmail.com

Indian Bank Kumar said...

Accepting promotion at the later stage is not beneficial.
Spl.Allowance and PQP are concidered for fixation on promotion.

Abhinn Srivastava said...

Very Informative Post on
FITMENT CHART

Abhinna Srivastava

Anonymous said...

Accepting promotion at the later stage is not beneficial.
Spl.Allowance and PQP are concidered for fixation on promotion.
Thank you very much for your comments.I want to inform you as under:
Basic Pay in Clerk :

19,300
5,600 (7 Increments)
1,230 (PQP)CAIIB II
1,180 Special Allowance
800 PPP Basic for Computerisation

28,110 Total Basic

Now,what will be the basic/fitment in officer cadre ?
When will PQP & FPP will be payable in Officer Cadre ?

Pl guide me.

Unknown said...

Sir,

I want to know what and when
PQP is payable to me when I am promoted from clerk to officer JM I
fitment Rs 27300/-?

Anonymous said...

sir, I am in Indian bank and recently promoted for jmg-1. in clerical cadre my basic rs 22500/-, Pqa rs 1230/-,fpp rs 800/-, I have passed both parts of caiib in 1999. my 5th stag. increment's effective date 01.01.2014. I want to know my figment in jmg-1. My mobile. 9711787609 e-mail. chauhanjs1958@gmail.com. J S CHAUHAN

Unknown said...

Sir, I am posted as jm I on jan 2014 onward. My basic pay is 20900/ (second year)My PQP is Rs 990/.My annual increment is on every february. I have cleared jaiib on 1998 and caiib on 2013(after stagnation, no increment recieved)Sir ,I want to know my basic pay on Feb 2014
My mobie 9497124880 hariprakask17@gmail.com
thanking you
HARI PRAKAS

Unknown said...



Accepting promotion at the later stage is not beneficial.
Spl.Allowance and PQP are concidered for fixation on promotion.
September 29, 2013 at 9:59 PM
It is replied by you.But I fail to
understand how special pay and PQP
are considered for fixation on
promotion.Please guide.

Anonymous said...

i have joined bankon 07/3/11 as jmgs1 now got promoted to scale 2 wef 26.6.2014. i m caiib. what will be my basic after fitment

Harihara Subramaniam said...

I was promoted in April 2011 from scale 1 to 2. I was appointed in lvb in the beginning scale in 2004 without any Caiib benefit. Please inform me whether I can claim 2 increments for scale 2 at the time of promotion to scale2. My claim is I have foregone my caiib increment in scale 1. In scale 2, I was fitted in scale with the starting scale in scale 2. At the same time I have been fitted in scale 3 in the 3rd stage of scale 3. Can I claim the anamoly in my figment for scale 2 now? Please let me know

Unknown said...

Hi,

I am working in Indian Bank. I have been promoted to JMSG-1 this month.
My current basic pay in clerical grade is Rs.36780 and my next increment is due on Aug,2016. What will be my basic pay in JMSG-1 and when I am supposed to get my next increment.

Thank You
Bhagwan Dass
Indian Bank

Unknown said...

PQP removed after Fitment

Hello,

I am a graduate who joined in 1990 as clerk. Stagnation was enabled in 2006. I was receiving Rs. 490 as PQP till the time I accepted promotion to JMG-I on 2015. Thereafter, I am not receiving PQP.
Please, advice as to whether I am eligible to receive PQP in my current position.

Kindly, reply as soon as possible.

Thank You.

Regards,
Babita

Archana said...

Hello sir,
Kindly let us know whether it is beneficial to clear caiib in clerical cadre or after taking promotion to officer scale 1

Anonymous said...

Hi Sir
I have been promoted from clerical to jmgs 1 in Aug month and my increment date was Aug and thereafter promoted to Mmgs II in may and when will be my increment month

Unknown said...

सर जी मैं सी आर जी बैंक का स्टाफ हूं हमारा प्रायोजक बैंक एस बी आई है दिनांक 1/3/2015 को स्केल l में मुझे एक इंक्रीमेंट स्वीकृत होने के बाद मेरा बेसिक पे 45950 हो गया था। जो की स्केल ll का अधिकतम वेतनमान है। दिनांक 18/9/2017 को मेरा स्केल ll में प्रमोशन हुआ और मेरा वेतन निर्धारण 47260/में किया गया। मेरी आगामी वेतन वृद्धि की तिथि प्रमोशन की वर्षगांठ में रखी गई। अर्थात सितंबर जबकि स्केल 1 में मेरी इंक्रीमेंट की तिथि मार्च थी। मैं स्टेग्नेशन में लगभग 2 वर्ष 6 माह रहा था। मैं मार्च 2018 में रिटायर हो गया रिटायर के समय मेरा बेसिक पे 47260 ही था। मैने बैंक को पत्र भी लिखा था बैंक का कहना है की मेरा फिटमेंट सही हुआ है। मैं सी ए आई आई बी/ के ए आई आई बी नही किया हूं मेरा फिटमेंट कहां होना चाहिए और मेरी इंक्रीमेंट की तिथि क्या होनी चाहिए कृपया मार्गदर्शन देने का कष्ट करे। मेरे ज्ञान के तहत मेरा फिटमेंट प्वाइंट नंबर 6 को ध्यान में रखकर किया जाना चाहिए।