5. The learned Standing counsel appearing for the respondents would submit that, insofar as the Joint Note is concerned, no doubt, the pay has been revised to the Officers of the Bank and the date of effect has been mentioned at Clause 15, which is quoted herein above, according to which, the scale of pay and Dearness Allowances would be revised from 01.07.1993, however the allowances like HRA, it is revised from 01.11.1992, of course retrospectively. Insofar as the implementation of this revision is concerned, since the very scheme itself came into effect from 01.07.1993, those who were in service on the date of implementation of the scheme i.e., on 01.07.1993 alone would be entitled to get the benefits. He would further submit that, since the petitioner retired from service on 31.01.1993 i.e., well before the effective date of the revision of pay, the petitioner is not entitled to get any revision of scale of pay as well as Dearness Allowances, subsequently he will also not be eligible to get any revised pension as claimed by him.