The author Mr. S Srinivasan is a man of many passions-Union activist by profession, a pioneer in the bank employees’ union movement, a social empathist, an ideologist, a mathematics enthusiast, a teacher, a writer and a man of deep humanitarian conviction He became an activist for the rights and moralities of the staff in the banking sector, soon finding his way up the value chain in the All India Overseas Bank Employees Union and ultimately serving as the General Secretary of the Union for 23 years. In the year 1991, he was first appointed as the workmen director on the Board of Directors of Indian overseas Bank. During his tenure, he continually strived for the betterment of the bank and its people, and in making them aware of their rights and responsibilities, and in motivating and mobilizing them to follow their conviction. He successfully established innumerable historic welfare schemes, benefits, and inimitable settlements for the employees and authored, compiled and published several trade union information books and essays; his most significant work being the ‘Know your Rights’ volumes which was recommended as a reference compendium of Service Conditions by the management of Indian Overseas Bank to their respective regional offices the genesis of these books lay in the long felt need for compilation containing authentic and updated materials drawn from various resourceful materials which collected and compiled notes. The author has also written book on know your defense in domestic enquiries two volumes. The book simplifies the whole settlements n banking industry so far under the Scheme supported by innumerable examples, clarifications and authentic interpretations.