annual report 2002 2003

okf��"kZd fjiksVZANNUAL REPORT2002-2003

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The Authority has pleasure in presenting the ThirdAnnual Report of the Authority in terms of Section20 of the IRDA Act, 1999. The Report encapsulatesthe performance of the Authority during the year2002-03, including inter-alia, the efforts aimed atthe promotion and the development of the insurancebusiness in the country. The ensuing paragraphs brieflycover the activities of the Authority during the financialyear 2002-03. A more detailed presentation is madein Parts I to IV. Part I covers the policies and programmesof the Authority; Part II covers the review of workingand operations of the Authority; Part III covers thestatutory functions of the Authority enshrined in thesection 14 of the IRDA Act, 1999; and Part IV coversthe organisational matters. Part V carries the ConcludingRemarks.

Initiation of insurance reforms inthe insurance sector:

The genesis of the reforms process in the insurancesector can be traced back to the wide rangingrecommendations made by the Malhotra Committeeon insurance reforms, culminating in the enactmentof the IRDA Act, 1999 and amendments to InsuranceAct, 1938, LIC Act, 1956, General Insurance BusinessNationalisation Act, 1972 (GIBNA) followed by furtheramendments made in the Insurance Act, 1938 andto the GIBNA, in the financial year 2002-03.

Consequent upon the constitution of InsuranceRegulatory and Development Authority (The Authority)on 19th April, 2000, the Authority has notified aset of regulations for the insurance industry (list ofregulations is placed at Annexure I). These regulationshave established the ground rules and standards forthe entire gamut of insurance activities including therole, responsibilities and functions of the insurancecompanies, including the intermediaries, and themanner in which the interests of the policyholdersare to be protected. These regulations have alsoundergone some modifications to reflect therequirements of the evolving operating and economicenvironment.

The process of reforms initiated with the constitutionof the Authority has been smooth, and has facilitatedconstructive transition from controlled monopoly toliberated and open insurance business environment.It has combined the skills of public sector insurancecompanies with those of the private insurers who haveset up operations in collaboration with the foreignjoint partners in both life and non-life sectors. Thisprocess has ushered in various types of innovationsin the insurance products specifically designed to meetthe customers' needs. This transition has been receivedwell by the insurance consumers in particular andthe various stakeholders in the industry.

Industry statistics:

Life insurers:

The premium underwritten by life insurance companiesduring the financial year 2002-03 was Rs.55738.11crore, as against Rs.50094.44 crore in the previousyear, recording a growth of 11.27 per cent. Priorto this, the year 2001-02 witnessed a growth of 43.54per cent in the business underwritten by the lifeinsurers. LIC's share in the first year premium (includingsingle premium) business underwritten in the lifesegment in the years 2001-02 and 2002-03 was98.65 per cent and 94.34 per cent, respectively.Overall, LIC accounted for 98.01 per cent of thepremium underwritten by the life insurers in the year2002-03, as against 99.46 per cent in the year 2001-02. Accordingly, the share of the private players wentup from 0.54 per cent in the year 2001-02 to 1.99per cent in the year 2002-03.

As per statistics available for the first half of the currentfinancial year 2003-04, the first year premiumunderwritten by the life insurers was Rs.5435.96 crore.The market share of LIC in premium underwrittenand policies during the first half of the financial yearwas Rs.4840.62 crore (89.05%) and 8241776(94.32%) respectively. As against this, the twelveprivate players underwrote Rs.595.34 crore (10.95%)towards 496248 policies (5.68%).

OVERVIEW


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Non-life insurers:

The general insurance industry witnessed significantchanges, which are likely to impact the growth ofthe industry in the years to come. The pace was setwith the public sector non-life insurers being de-linkedfrom their holding company, the General InsuranceCorporation of India (GIC). In addition, GIC - notifiedas the national re-insurer, has ceased to carry outunderwriting of direct business. The financial year alsowitnessed the formation of the Agricultural InsuranceCompany of India Ltd. (AICIL) to underwrite cropinsurance and other allied insurance business in thecountry. Effectively, the crop insurance business wouldbe handed over to the new entity in the financialyear 2003-04.

In consonance with its new found status as the nationalre-insurer, GIC has diversified into acceptance of lifere-insurance business. Another area being exploredby the Corporation is that of financial/creditre-insurance. GIC has also been aiming at makingits presence felt in the international markets, particularlyin the Afro-asian countries, through strategic andbusiness tie-ups. However, there are also challenges,with the entry of the established multi-national brokersin the industry - these entities will put to use theircontacts for international re-insurance placements.

The gross premium underwritten by the non-life insurers,during the financial year 2002-03 was Rs.15614.85crore, including crop insurance business underwrittenby GIC, recording a growth of 23 per cent overthe previous year. The share of the public sectorinsurers in the non-life segment during the financialyears 2001-02 and 2002-03 was 96.32 per centand 91.36 per cent, respectively. The share of eightprivate players in the financial year 2002-03 was8.64 per cent, as against six players capturing 3.68per cent in the previous year.

The gross premium underwritten by the non-life insurers,during the first six months of the current financialyear, 2003-04, was Rs.8081.06 crore, i.e., a growthof 12.71% over the previous year half year premiumof Rs.7169.88 crore. The public sector insurersunderwrote premium of Rs.6973.78 crore recording

a growth of 6.03% (Rs.6576.87 crore) over thecorresponding period in the previous year, as againstwhich the private insurers underwrote premium ofRs.1107.27 crore, viz., a growth of 86.72% (Rs.593.01crore) over the corresponding period in the previousyear.

Today the insurance industry is facing varied challengessuch as acts of terrorism, hardening of reinsurancerates and, more importantly, coming to grip withfundamentally changed global risk architecture. Thisaccompanied by weak investment returns and thelower interest rates, over the last few years, havealso influenced the profitability of the insurers. Onthe positive side, of course, the low inflation rateshave helped to keep the claims and operating costsfrom running out of control. In addition, the year2002-03 did not witness any upheaval in terms ofeconomic/natural disasters. While the new playerswould still take time to contribute to the profitabilityof the sector, being in the early phase of theiroperations, the financial year provided a conduciveenvironment for growth. Simultaneously, the existingpublic sector insurers have also taken steps to re-position themselves in the evolving competitive marketconditions.

The intermediation process:

The reforms process has resulted in an increase inthe number of individual agents, besides introducingthe concept of corporate agency system. As at 31stMarch, 2003, the number of new agents registeredwith the Authority stood at 5,99,708 of which corporateagents are 1,151. This is in addition to the 5,14,426agents whose licenses have been renewed. TheAuthority has also introduced the concept of insurancebrokers in the industry - they represent the interestsof the insured with their specialised insuranceknowledge, skills and services to the insurancecommunity. The number of brokers to whom licenseshave been issued till 31st March, 2003 stood at 40(up to October, 2003, brokering licenses numbering125 have been issued of which 102 are direct, 19composite and 4 are re-insurance brokers). Prior tothis, another category of insurance intermediary, viz.,the third party administrators (Health) (TPA) were


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registered by the Authority to assist the insurers inrendering effective service of health insurance contractssold by the insurers with their specialised knowledgeand experience in the health sector. As on date,the Authority has licensed 23 TPAs.

The system of insurance surveyors and loss assessors,as it existed in the pre-liberalised environment wasplagued with a number of issues of concern. At theinitiative of the Authority, the process of categorisationof the surveyors and loss assessors was undertaken.It was envisaged that categorisation on systematiclines based on the qualification and experience wouldenable these professionals to serve the insuranceindustry in a more effective and professional manner.With a view to examining the need for promotingan Institute for Surveyors and Loss Assessors, theGovernment constituted a Committee under theChairmanship of Mr. K.N. Bhandari, former Chairmanof New India Assurance Co. Ltd. The Committee hassince submitted its Report. The Government is infavour of the Authority promoting the Institute ofSurveyors and Loss Assessors, which would be a self-financing and self-regulated autonomous body on thelines of such professional bodies as the Institutes ofCompany Secretaries of India and the Institute ofChartered Accountants of India. It is proposed thatthe Institute will set norms and standards, conductexaminations, undertake educational courses andresearch, and enforce a code of conduct for itsmembers. The Institute would initially be promotedby the Authority, and a decision to confer statutorystatus to the Institute would be based on a reviewof its operations. The recommendations of theCommittee are being examined.

The actuarial profession:

The role of actuaries has evolved over the years,and more particularly, with the opening up of theinsurance sector. The profession of actuaries hasemerged to provide a competitive edge to insurersworldwide in terms of profitable pricing of risk, corporatestrategy and in introducing innovative products. Further,the profession has grown in terms of peer review,where actuaries have developed a healthy spirit ofassessing or commenting upon each other's work.

Such practices are likely to go a long way in buildingup healthy professional standards. The Actuarial Societyof India (ASI) has also taken steps at developing theprofession of actuaries and to standardise practicesby issuing guidance notes. On the legislative front,the Bill granting statutory status to the profession isunder consideration. The Authority has already offeredits comments on the draft of the said Bill, and itis hoped that the Bill would come up for considerationsoon.

The process of reforms initiated some three yearsback has some achievements to its credit. The processof liberalisation has enhanced competition, provideda choice to the customer, triggered innovative waysand means to carry out insurance activities, improvedthe efficiency levels of the industry, increased thecoverage of insurance in terms of density andpenetration, obligated the insurers for providing forthe needs of rural and social sectors, increasedawareness about necessity of insurance, to name afew. However, the achievements till date need to bebuilt upon to further improve the efficiency of theinsurance sector, thereby reducing the costs, andincrease the penetration of the industry across thecountry. The industry cannot afford to rest on itslaurels.

Review of the legislative framework:

The initiative taken by the Authority to approach theLaw Commission of India for review of the InsuranceAct, 1938 has received tremendous response fromall the stakeholders in the insurance industry. Theconsultative paper issued by the Law Commission hasreceived appreciation and comments from severalquarters which will help the Government and theindustry in taking a comprehensive view onconsolidating the insurance related legislation intoa single codified Act of Parliament, with the legislativepowers resting with the Government of India and theAuthority vested with the regulatory mechanism forthe professional supervision and development of theinsurance industry.

The recommendations of the Law Commission arebroadly focused on issues pertaining to merging of


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the provisions of the IRDA Act with the InsuranceAct, 1938 (the Act) to avoid multiplicity of legislations;amending and updating the provisions of the Act tomeet the current needs of the insurance industry;bringing consistency between the various provisionsplaced in different sections of the Act by putting theminto a core provision relating to a particular subject/topic; recasting certain sections so as to removeambiguity and to make them more specific and clear;and defining/re-defining certain terms which arerequired to be defined in the process of improvingupon the existing legislation. The Commission hasspecifically focused on the need for a full fledgedgrievance redressal mechanism and on raising thelimits on the fines and penalties to be levied underthe Act, so as to ensure adequate in-built deterrencein the regulatory mechanism.

Re-visiting the tariff and non-tariffsegments:

The Tariff Advisory Committee (TAC) was establishedby an amendment to the Insurance Act, 1938 (effectiveJune, 1969) to control and regulate the rates,advantages, terms and conditions that may be offeredby insurers in respect of any risk or any class orcategory of risks in the general insurance business.The Chairman of the Authority is the ex-officio Chairmanof the TAC. The TAC is presently administering thetariff in respect of certain specified segments of thegeneral insurance business. All other segments ofgeneral insurance business are non-tariff and theirrates, advantages, terms and conditions are determinedby the insurers in tune with their own rating andunderwriting philosophy. The non-tariff products arefiled by the insurers with the Authority under file anduse procedures. As per the statistics furnished bythe insurers for the financial year 2002-03, non tariffbusiness constitutes about 25 per cent of the grossdirect premium underwritten in the non-life segment.

Given the instances of rate cutting and breach oftariff by the insurers reported in the industry, thereis a view that de-tariffing of non-life insurance businessis a possible remedy to arrest this mal-practice inthe market. De-tariffing would address the need to

service those consumers whose risks are bettermanaged, as compared to those whose assets areloss prone - requiring a loading as against crosssubsidisation by the former. Tariffs, per se, reducethe scope of competition, bring rigidity in the market,discourage adaptability to the changing needs of theinsurance consumers and deprive the market ofinnovation. Last but not the least, the process of de-tariffing would motivate the industry to scientificallyput to use statistics on claims and premium, whilepricing the products. The competitive scenario wouldbind the insurers to adopting long term strategies.It may be recalled that the Malhotra Committee hadalso recommended progressive de-tariffing with theobjective of limiting the tariff to only a few classesin order to promote competition and improveunderwriting skills. More recently, the Justice RangarajanCommittee set up in October, 2002 on the motorinsurance has recommended de-tariffing of the owndamage business of the motor portfolio under acompetitive premium setting model with a time schedulefor the change over.

Based on the decision to de-tariff motor own damageportion w.e.f. April, 2005, another Committee hasbeen set up under the Chairmanship of Mr. S. V.Mony, former Chairman, GIC, and members drawnfrom public and private sector insurers andrepresentation from manufacturers and Ministry ofTransport, to work out the road map to be followedfor de-tariffing Motor own damage. In anotherdevelopment of significance, the expert Committeeset up by the Authority under the chairmanship ofMr. A. C. Mukherjee has recommended that immediatesteps be taken to de-tariff the entire general insurancemarket by April, 2006 and has advocated adoptionof pure risk premium basis tariff for a period of twoyears after April, 2006. The process of opening upthe market to free pricing would be accompaniedby adoption of prudent underwriting practices by theinsurers, enhancement of the technical capabilitiesby insurance brokers, creating awareness amongstthe consumers on the likely benefits of de-tariffingwhich would percolate down to them.


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Third party liability - motor insurance:

The Third Party Motor insurance is mandatory for allregistered vehicles plying on the Indian roads, underthe provisions of the Motor Vehicle Act, 1988. Theprovisions of the Act require every motor vehicle ina public place to insure against third party risk. Theunderlying essence of the provision is to have anin-built mechanism for payment of damages, by theinsurer, irrespective of the financial condition of thedriver/owner of the vehicle. Section 147 of the Actalso lays down the limits of the liability. While theliability in respect of third party property damage islimited, it is unlimited in case of third party bodilyinjury to motor vehicle accident victims. Overall, theCourts have taken a liberal view while payingcompensation in case of motor vehicle accidents. TheApex Court has in one of the cases clearly reiteratedthat "the determination of the quantum must be liberal,not niggardly since the law values life and limb infree country in generous scale". In the context of pureeconomics, the ramifications for the insurance industryare significant, as it goes against the basic principleof indemnifying the financial loss and minimising therisk of such a loss in relation to the sum insured.Business figures furnished by the insurers reveal thata major hit on incurred claims is accruing in thecontext of the third party claims, impacting profitability.

While a number of alternatives have been bothsuggested and examined to meet the premiumdeficiency in this particular segment which has clearconnotations of subsidisation, the RangarajanCommittee while examining the various aspects ofmotor underwriting has also dealt with motor thirdparty liability and has recommended that the thirdparty liability insurance business be quarantined andthe said business be separately accounted for in theinsurers' books, as this would facilitate analysis ofthe profitability or otherwise of the third party portfolio.The Committee has also sought the Government'sinitiative to review the statutory liability for third partyliability for motor vehicle accidents so as to lay downa cap on the same, specifically given that the thirdparty premium is tariffed, as against which the liabilityof the insurers is unlimited.

Strengthening the self regulatorymechanism in the insurance sector:

Regulatory mechanisms globally are moving towardsbuilding up mechanisms for corporate governancewithin the regulated entities. Such market practicescombined with the regulator's capacity to ensure afit and proper management, under the regulatorymechanism can facilitate evolution of best managementpractices while strengthening the regulator's role ofmanagement by exception. Requirements of investmentcommittee, internal audit committee, joint statutoryauditors being appointed for not more than a specifiedperiod are all laid down to strengthen the self regulatorymechanisms. This, combined with industry selfdisciplining mechanism, can help strengthen the industrywhile at the same time weeding out detrimental marketpractices. The Insurance Association of India, andthe Life Insurance and General Insurance Councilswere revived in February 2001, and have membershipdrawn from the industry. These associations cancertainly draw upon the experiences and best practiceswhich have evolved in the rest of the world. Theindustry associations can generate a consensus onsuch issues as introducing concepts of additionaldisclosures, pool statistical data to facilitate pricingof products, evolve better risk management systemand set codes of best practice for market conduct.While some initiatives have been taken, a lot ofadditional ground needs to be covered. A particularcase in point is the training imparted to the agencyforce, not just to improve their technical competencebut to also instill ethical best practices. Self regulationsupported by a quick market response for overstepping, can have effective deterring impact.

The Authority is charged with the responsibility ofpromoting and regulating professional organisationsconnected with the insurance and re-insurance business.A code of conduct for agents and the insuranceintermediaries has been laid down to ensure that theaffairs of insurance intermediaries are conducted insuch a manner as to safeguard the interests of thevarious stakeholders. Instances of misconduct wouldbe dealt with. In addition, given that the insuranceindustry forms a part of financial system, the Authority


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along with the Reserve Bank of India and the Securitiesand Exchange Board of India has set up a mechanismfor real time monitoring of the financial intermediaries.This mechanism would need to be further strengthenedin the times to come.

Consumer grievances redressal system:

With the opening up of the insurance industry andthe entry of new players, awareness about their rightshas steadily been increasing amongst the public atlarge, and they have aggressively come forward todemand for the same. This is a fact not only forthe insurance customers but also for the public atlarge and the consumers' rights organisations havebeen slowly gaining in strength.

The existing mechanism for redressal of the grievancesof the policyholders provides for three different forumsviz., the in-house grievance redressal cells of theinsurers; the Consumer Courts which provide for athree tier approach in resolving consumer disputes,the district forum, the state forum and the nationalforum, with different pecuniary jurisdictions; and theCivil Courts. In addition, there is the mechanism ofInsurance Ombudsman to deal with personal linesof complaints, up to claims of Rs.20 lakh. With aview to protecting the interests of the policyholders,the Authority too, at its own initiative, has constitutedthe in-house Consumer Grievance Cell (CGC), asa mechanism parallel to the regulations framed forprotecting the interests of the policyholders. Whilethe regulations lay down the benchmarks for processingthe claims and mandate every insurer to have in placeproper procedures and effective mechanism to addresscomplaints and grievances of policyholders efficiently,the Consumer Grievance Cell has been establishedto bring to the fore the deficiencies noticed in thefunctioning of the registered insurers in providingservices under the insurance contracts sold by them.The Cell has been set up to assess the problemsfaced by the policyholders and their level of expectation/satisfaction in the context of the opening up of theinsurance sector. The insurers are expected to notonly come up to the standards of servicing establishedbut also make the requisite disclosures in both theproposal form and in the policy document. The CGC

is keen to ensure that the promises made are dulykept by the insurers. It may be pertinent to mentionthat the quality of underwriting practices would onlyenable the insurers to accelerate the process of claimssettlement.

The Law Commission, which is in the process ofreviewing the legislative framework for the insuranceindustry, is considering various aspects for establishinga full fledged grievance redressal mechanism includingconstitution of a Grievance Redressal Authority (GRA),appointment of adjudicating officers by the Authorityto determine and levy penalties on defaulting insurers,insurance intermediaries and agents, and to providefor appeals to the Insurance Appellate Tribunal (IAT)and for statutory appeal to Supreme Court againstdecisions of IAT. The various alternatives would needto be examined in the context of the inadequaciesin the present system, and the cost benefit analysisof establishing such mechanisms to the industry asa whole. It may, however, be mentioned that appraisalof the adequacy of the grievance redressal systemwould need to be a continuous exercise particularlyin an economy where customer expectations areexhibiting an upward trend.

Sustaining the growth levels to spreadthe benefits of insurance:

One of the objectives of amending the InsuranceAct in the year 2002 was to facilitate entry ofcooperative societies in the insurance sector, and torecognise corporate agents and insurance brokers soas to stimulate the growth of the insurance marketand to enhance the level of insurance penetration.Other initiatives in this regard include laying downthe obligations of the insurers towards the rural andsocial sectors, and spreading the message of insurance.The Authority chalked out a program in consultationwith Prasar Bharati - for creating awareness aboutinsurance on the All India Radio and the Doordarshanprime time. In addition, the publicity campaign wasalso launched through the vernacular newspapers.The initiative aimed at creating awareness about theimportance of insurance in the daily lives of themillions in the country, and as to how it can lendsecurity to their future. All these initiatives have been


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taken in the context of the dismal performance ofthe industry, when measured in terms of its reach.India's share in the global insurance market is just0.41%. Measured in terms of the premium as percent to the GDP, at 2.71 per cent, the country stood49th in world ranking, in the year 2001. The percapita insurance premium in India is also very lowat US$ 11.5, as compared to both developed and

developing countries. India is the 23rd largest insurancemarket in the world and holds large potential, waitingto be tapped judiciously. While the comparativeinternational statistics on insurance density andpenetration form part of the main report (refer Tables9 (i) and (ii)), the statistics on insurance penetrationand density, based on industry statistics for the financialyears 1999-2000 to 2002-03 are placed below:

The growth in the insurance sector would also havea spiralling impact on the economy as a whole -be it in terms of employment generation, improvementin the standards of living of the populace or the growthin the investment in the industry and infrastructure.It may be pointed out that the investments of theinsurance industry as at 31st March, 2003 stood atRs.291418.36 crore, which is 11.89 per cent of theGDP for the financial year 2002-03.

Strengthening the statistical database:

The insurance industry functions under a typicalscenario, viz., the insurance company charges apremium for insuring a given life/asset against thehappening of a given event. This premium is chargedto cover for the claims, which may arise within aforeseeable/unforeseeable period. The peculiarcircumstances under which the insurance industryoperates entails matching the known with the unknown.The pricing of the products, thus, is based on theexperience of the industry, both in the life and non-life segments. In such a scenario, the importanceof databases cannot be adequately emphasised. Theavailability of data bases, particularly, in the non lifesegment is dismal. The Tariff Advisory Committee

(TAC), which is the statutory body for fixing rates,has expressed dissatisfaction time and again that thedata flow from the insurance companies has beensketchy and inadequate. In the absence of adequateand authentic data, it has not been possible for theTAC to revise its tariff rates scientifically. In additionto building up adequate data for the pricing ofproducts, efforts are also required to ensure that theclaims experiences are adequately tracked and sharedby the industry. Sharing of information is also a pre-requisite to handling insurance frauds and to guardagainst their perpetuation. Non-availability of statisticswould be tantamount to insurers groping in the darkwhile dealing with insurance frauds. Similarly,involvement of all the stakeholders, in the developmentand maintenance of the databases, is equally significantin the areas of agents and intermediaries, and onthe health sector.

The various possibilities that can be explored forbuilding up the data base include setting up theframework as a department of the Authority, entrustingthe same to the Tariff Advisory Committee or to setup an independent organisation to handle the same.Already, some efforts have been initiated with thesetting up of the Mortality and Morbidity Investigation

*based on industry statisticsGDP at market price

(Rs. in crores)

Data on Insurance Density and Insurance Penetration in India

Insurance Density (Premiums per capitai.e., Total Insurance Premium Insurance penetration (Premium

Year Population GDP Insurance premium Income/Population) (Rs.) as % of GDP)

(in crores) Life Non-life Total Life Non-life Total Life Non-life Total

1990-00 99.1 1936925 27224.42 9522.17 36746.59 274.72 96.09 370.80 1.41 0.49 1.902000-01 101.9 2104298 34898.47 10087.03 44985.5 342.48 98.99 441.47 1.66 0.48 2.142001-02 103.7 2296049 50094.45 12694.92 62789.37 483.07 122.42 605.49 2.18 0.55 2.732002-03 105.5 2451038 55738.11 14337.59 70075.7 528.32 135.90 664.22 2.27 0.58 2.86


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Bureau. Similar initiatives are proposed to be takento establish data warehousing facilities for the healthsector.

Risk - based supervision:

As a step forward in the process of regulating, seekinginformation and on-site inspection, is the process ofrisk based supervision. The first intent of supervisionis to ensure compliance with the legislative intent andthe basic framework of reporting is established toensure review of compliance. The on-site inspectionsfacilitate confirmation and address the areas of concernto the regulator. Any financial environment, particularlythe ones existing in a liberalised environment, is everevolving and throws up challenges on a regular basis,and the prudent players, including the intermediaries,are expected to lay down management strategies toadapt to these changes and take steps to mitigatethe risks which are thrown up in the process. Insuranceindustry impacts the lives of the millions of its patronsin the most basic way, and thus casts an additionalresponsibility on the regulator, while protecting theinterests of the policyholders. The process of supervisionmust thus be one of evolution adapting to the changesin the environment in which the insurers and theintermediaries are operating. It is in this directionthat the Authority has been issuing cautionary directivesfrom time to time. While the Authority is not in favourof managing the affairs of the registered entities, itwould continue to draw their attention to the keyrisk factors the industry in particular and the financialsector in general is exposed to. Simultaneously,insurers are required to identify the various risks facedby them and lay down the strategies to mitigate them.These are required to be enumerated in theManagement Report to be furnished by the insurersas part of the annual financial statements.

Health insurance:

Health insurance is another area of concern for theindustry. The legislative intent of laying special emphasison "health", while framing the regulations was tofacilitate access of the health care facilities to theinsurable population through the medium of insurance.However, three years down the line, there has been

no appreciable progress. While the potential is huge,the impediments to growth need to be addressed.Although positive signals have emanated in this segmentof insurance business, much more needs to be done.

Inspection of registered entities:

Inspection is an extension of the process that anyregulator utilises to ensure oversight over the functioningof the entities registered by it. The process involvesoversight or keeping an eye on the industry, collectinginformation, analysing that information to identifytrends and emerging risks, if any, carrying out onsite inspections of companies, reverting back to theinspected entities on the areas of concern andidentifying remedial action that needs to be taken,setting up time frames for completing the correctiveactions, following up on the progress for implementationand comparing the results to the expected performancelevels.

Authority has been empowered by provisions ofInsurance Act, Section 14 of the IRDA Act and theregulations notified by it to undertake inspections,conduct enquiries and investigations including auditof insurers/ intermediaries. The Authority initiated theprocess of on site inspection of the insurers duringthe financial year 2002-03. The inspection processescarried on by the Authority can broadly be categorisedinto two, viz., overall inspection of the insurancecompanies, and targetted inspection, as to satisfy thespecific concerns/objectives of concern to the Authority.

The officers of the Authority carried out inspectionof select insurers with a view to reviewing theiroperations. These audits were aimed at getting anoverview of the operations of the insurers. In addition,special purpose audits were also carried out by aselect group of statutory auditors empanelled withthe Authority. The IRDA (Investment) Regulations laydown the requirements to be complied with by theinsurers in respect of putting in place an investmentcommittee as to ensure compliance with the exposurenorms, systems to be in place to ensure prudentinvestment of funds, statutory requirements forinvestment in approved securities, and internal controlsto be in place to ensure compliance. Investment audit


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of insurers was carried out to review the investmentoperations of the insurers. The Authority has beenutilising the services of chartered accountants toconduct inspections in this area.

The Authority has also been undertaking inspectionof select intermediaries, agents training institutes andthird party administrators, at regular intervals. Theobjective of these inspections is not fault finding butto reassure the regulator that the operations of variousregistered entities are being carried out on prudentlines of management.

Mechanism for adjudication:Based on the provisions of the Insurance Act, 1938the Authority has framed regulations for licensing ofvarious intermediaries and agents. The requisiteregulations lay down the frame work for their education,qualification and practical training. While elaboratingon the duties and functions, issues pertaining to codeof conduct have also been dealt with. The Authorityis also empowered to call for information and undertakeinspection of these registered entities.

The provisions of the law and the regulations framedthere under have enabling clauses for strict penaltiesand fines for these entities if they fail to comply withtheir duties or code of conduct, or directions ofthe Authority; do not furnish any statements, documents,accounts, returns, reports; or if the information furnishedis found to be inaccurate/ incomplete/ false. However,mechanisms have still to evolve to provide for resolutionof disputes between insurers and/ or theirintermediaries, although the Authority is empoweredunder the IRDA Act, 1999, to adjudicate under suchcircumstances. While the Authority is in favour ofissues concerning industry being tackled through suchself regulatory bodies as insurance councils, andassociations of intermediaries, possibilities of settingup a transparent and cost effective mechanism forresolution of conflicts of interests could be examined.It may be worthwhile to examine the experiences ofregulators both within the country and abroad toexplore the various options.

Consolidation phase:The establishment of the Authority had paved theway for the country to fully realise the potential for

growth in the insurance sector. The reforms introducedin the sector have resulted in introspection on thepart of the existing insurers as to the steps whichcan be initiated to cut down costs, and introducenew products which are tailor made to meet thespecific needs of the insured.

While the growth recorded by the insurers is impressive,what is equally crucial is that the industry grows onhealthy lines in the fast evolving highly competitiveenvironment, in which the underwriting results arelikely to come under tremendous pressure in the de-regulated market. This would be particularly challengingas the industry moves towards a de-tariffed market.There is, however, a need to sound a word of caution.In trying to achieve impressive figures, the insurersought not to lose sight of the larger picture. Capturinga larger share of the market is all very well, butthe strategy needs to be that of sustainable and healthygrowth. Simultaneously, the industry needs to abideby the motto of service and the players must ensurethat the overall interests of the consumers are protectedand served.

The challenges facing the industry also include thedeclining investment returns and the lower interestrates, over the last few years which are influencingthe profitability of the insurers. On the positive side,of course, the low inflation rates have helped to keepthe claims and operating costs from running out ofcontrol. However, a cause for worry could be thestate of finances of the state government undertakings,in which insurers, particularly the public sector ones,have holdings. Provisioning adequately for the assetswhich are non-performing is critical. A number ofnew products have been introduced in the industry.However, there is need to ensure that pricing ofproducts is based on statistical data. Be it life orthe non life segments, availability of data, and thattoo accurate data is critical for the growth of theindustry. The existing scenario where in the pricingof products is based on statistics way off the mark,there will continue to be customers who are subsidisingthe costs of the others. This cross subsidisation needsto end sooner rather than later.

The phase of consolidation of the industry has toalso encompass increase in the penetration of insurance


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to a wider section of the society, in particular providingcover to the under privileged and the weaker segmentsand penetrating the rural and the semi-urban areas.The consolidation phase also has to focus on suchissues of concern as market conduct, be it for theinsurers or the intermediaries. The other crucial issueis that of insurance frauds. Dealing with frauds andanti-money laundering are issues of concern to thefinancial sector as a whole; the insurance industryat large, and to the Authority in particular.

The consolidation phase also has to witness theevolution of practices of corporate governance. Asthe industry moves towards an environment of pubicfunds being tapped by it, the transparency standardswill have to rise in both quantitative and qualitativeterms. The periodical returns filed with the Authoritynot only have to be furnished within the timeframes

prescribed, but must also reflect the true and correctposition.

Acknowledgements:

The Authority would like to place on record itsappreciation and sincere thanks to the members ofthe Insurance Advisory Committee, the ReinsuranceAdvisory Committee, Insurance Division (Ministry ofFinance), all insurers and intermediaries for theirinvaluable guidance and co-operation in its properfunctioning; and to the compact team of officers andemployees of the Authority for efficient discharge oftheir duties. The Authority also records its specialthanks to the members of the public, the press, allthe professional bodies and international agenciesconnected with the insurance profession, for theirvaluable contribution from time to time.


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MISSION STATEMENT

l To protect the interest of and secure fair treatment to policyholders;

l To bring about speedy and orderly growth of the insurance industry (including annuity andsuperannuation payments), for the benefit of the common man, and to provide long termfunds for accelerating growth of the economy;

l To set, promote, monitor and enforce high standards of integrity, financial soundness, fairdealing and competence of those it regulates;

l To ensure that insurance customers receive precise, clear and correct information aboutproducts and services and make them aware of their responsibilities and duties in thisregard;

l To ensure speedy settlement of genuine claims, to prevent insurance frauds and othermalpractices and put in place effective grievance redressal machinery;

l To promote fairness, transparency and orderly conduct in financial markets dealing withinsurance and build a reliable management information system to enforce high standardsof financial soundness amongst market players;

l To take action where such standards are inadequate or ineffectively enforced;

l To bring about optimum amount of self-regulation in day to day working of the industryconsistent with the requirements of prudential regulation.


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PART I


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Risk is omnipresent in all walks of life, and prudencerequires that it is managed so as to, at least, minimisethe impact of loss, be it to property or life. Insuranceis a dynamic and growing part of the financial sector,in both developing and the developed economies.Nearer home, in Asia, backed by economic growth,insurance premium has exhibited a robust growth.Today, India is regarded as one of the two emergingmarkets in the Asian region and global players areeyeing the market to tap the opportunities. With themarkets world over becoming highly dynamic andintegrated, the opening up of the insurance sectoris yet another step in the economic reforms processwithin the country to enable India to integrate withthese markets.

The insurance sector witnessed the first indication ofliberalisation in April, 2000, with the setting up ofthe IRDA as a statutory body for the regulation anddevelopment of the insurance sector. The Authoritywas established with the objective of protecting theinterests of the holders of insurance policies, and toregulate, promote and ensure the orderly growth ofthe insurance industry and for the matters connected/incidental thereto. The first few registration certificatesto private players were issued in October, 2000. Theprocess of de-monopolisation has opened wide vistaswith the advent of the private players. As a result,the state owned insurers, on introspection, have begunreviewing their functioning and streamlining theiroperations so as to remain competitive in the emergingscenario. That the mandate has thrust upon theregulator the task of not only regulating the industry� both, the insurers and the intermediaries - but alsothat of developing the market, in order to dispersethe gains of insurance to every nook and corner ofthe country, only heightens the promotional role ofthe regulator. It is, thus, well accepted that whileaiming at achieving global standards, the insuranceindustry cannot afford to lose sight of the geographicalspread and the need to provide risk cover to thedisadvantaged sections of the society.

The Authority has been bestowed the task of establishingand promoting fair competition in the industry to fulfillthe national socio-economic aspirations in a mannerthat will generate sustainable growth in the Indianinsurance market. In the final analysis, it shall propelthe national economic growth. The availability ofinsurance services to the customer, particularly in therural, social and unorganised sectors, together withfair pricing of these products has engaged the attentionof the Authority. The process of regulation makinghas remained dynamic and has been reflective ofthe changing needs of the market. The initial effortsof the Authority have been to set up policy guidelinesin the various areas by way of prudential regulations.These were followed up with the introduction of thedifferent forms of intermediation in the market toimprove the reach of insurance to consumers at large,besides raising the levels of insurance awareness.

The review of the state of the industry and itsperformance over the last year that follows has beenprepared with a view to reflecting the developmentsthat have taken place in the industry since its broad-basing, and to take stock of the achievements in thebackground of the parameters that have been set.

A. REVIEW OF GENERAL ECONOMICENVIRONMENT

In recent months, there has been a steady build upof the favourable economic factors which augur wellfor the growth of the economy. Overall, the Indianeconomy is poised for growth. The good monsoonis likely to result in a healthy rise in agricultural outputas against a decline of 3.2 per cent in the previousyear; statistics are pointing towards recovery in theindustrial sector � during April � August, 2003, theIndex of Industrial Production (IIP) increased by5.6 per cent as against 5.2 per cent during thecorresponding period in the previous year. There areindications of sustained growth in the production ofbasic goods, capital goods and consumer goods;and the services sector continues to consistently registera healthy growth rate. Inflation is down to less than

POLICIES AND PROGRAMMES


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4 per cent, and the foreign exchange reserves havebeen piling up to almost US$90 billion. The economyis expected to grow at between 6.5 to7 per cent during the fiscal 2003-04, which is morethan twice the growth rate expected for the worldeconomy at 3 per cent. The upward revision in theprojected GDP for the year 2003-04 is based onthe positive signals emanating from the performanceexhibited by the various sectors during the monthsApril � August, 2003. Although the exports have stillto exhibit a favorable upward movement � growthin exports during April � September, 2003, at10.0 per cent is US$ terms was lower than 18.0per cent recorded during the corresponding periodof the previous year; improved prospects of globalrecovery should provide fresh impetus to export growth.Further, the imports are rising signaling a positivetrend in the manufacturing sector � imports recordeda growth of 21.4 per cent during the first half ofthe current year as against 9.2 per cent in thecorresponding period in the previous year. It isnoteworthy that increasing non-oil imports reflectstrengthening of the domestic demand. Overall, thebusiness expectations are positive, on the strengthof the manageable level of inflation and moderateinterest rates.

The year 2002-03 witnessed a severe drought affectingthe growth in the agricultural and allied sectors. Thedecline in growth in these sectors resulted in theoverall growth in the Gross Domestic Product ataround 4.4 per cent. This is despite the growth inthe performance of the industrial and the servicessectors at a healthy 6.1 per cent and 7.1 per centduring the year as against 3.3 per cent and6.8 per cent, respectively in the previous year2001-02. However, positive signs did emanate duringthe second half of the financial year 2002-03, whichwere particularly significant against the backgroundof outlook for recovery in global economic activityand world trade remaining subdued. The other positivefactors were the overall macro-economic stability interms of low inflation, current market conditions andcomfortable reserves, including those of food stocks.In addition, the buoyant inflows through invisiblescoupled with a rise in exports, enhanced the possibility

of recording a surplus in the current account for thesecond successive year. That the surge in the exportsoccurred during the sluggish pace of global economicrecovery and contributed to the growth in themanufacturing sector is particularly heartening. Further,facilitated by the relatively lower rates of inflation,the interest rates continued to soften during2002-03. The leap forward in infrastructure investment,particularly in roads and telecommunications, hasbeen a significant development during the year2002-03. Today, initiatives are in place to propelthe economy on the track of an 8 per cent growthrate in the foreseeable future.

The statistics pertaining to Gross Domestic Savingsand Investments; Financial Savings of the HouseholdSector (Gross); Overall Balance of Payments; andMacro-economic aggregates are placed at Tables 2to 5, respectively.

However, there continued to be issues of concern,in the year 2002-03, which centred around: theincrease in non-performing assets (NPAs) of scheduledcommercial banks, despite significant progress inrecoveries - particularly accounted for by thenon-priority sectors; subdued activity of the capitalmarkets�both primary and secondary. The subduedconditions in the stock markets led to a small volumeof issuance on the primary market. This was despitethe significant structural reforms in the sector. Publicfinances, both at the Centre as well as the States,continued to be under pressure. The fiscal deficit ofthe Central Government, as a proportion of GDP,which was 5.6 per cent in 2000-01, rose furtherto an estimated 5.9 per cent in 2001-02. The lackof fiscal consolidation at the State level is revealedby a similar deterioration of their combined fiscaldeficit, again as a proportion of GDP, from 4.3 percent in 2000-01, to a revised estimate of 4.6 percent in 2001-02. The consolidated fiscal deficit ofthe Centre and the States was 10.0 per cent of GDP,according to the revised estimates for 2001-02. Thedisinvestment programme of the Central Governmentis running behind schedule, and is likely to resultin a shortfall in capital receipts. The high fiscal deficitcontinues to complicate the task of conducting counter-cyclical fiscal policies and augmenting outlays on the


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much-needed social and physical infrastructure, andpoverty alleviation programmes. All these are areaswhich need attention as to leverage higher economicgrowth levels. Gross domestic capital formation atconstant prices grew at 3.0 per cent in 2001-02,which was considerably lower than the growth of GDP.At current prices, gross capital formation constituted23.7 per cent of GDP in 2001-02, which was slightlylower than the share of 24.0 per cent observed in2000-01, and 25.2 per cent observed in 1999-2000.It appears that changes in stocks have been muchfaster than gross fixed capital formation. Within fixedcapital formation, however, construction grew relativelyfaster than gross investment in machinery andequipment. In the public sector, there was a sharp

increase of 7.2 per cent in capital formation inconstruction. Public investment has been partlyconstrained by increasing government consumptionexpenditure including interest payments, subsidies,pensions, and grants, among others. Investor sentimenthas been constrained by poor infrastructure facilities.The requirements of the social sector, whosedevelopment on sound principles would ensure thespread of wealth in the country into the hands ofthe deserving and needy, need to be addressedadequately.

India�s profile, socio-economic indicators anddemographic trends and projections are placed atTables 1, 7 and 8 (i) and (ii).

TABLE � 1

INDIA�S PROFILE

Total Area 3287263 Sq. Kms.

Coastline 7517 Kms.

States 29

Union Territories 6

Districts 602

Population 1.05 Billion (as on July, 2003 est.)

Urban Population 27.78%

Population Growth (decade 1991�2001) (+) 21.34%

Sex Ratio 2003 933 females per 1000 males

Density of Population 321 persons per Sq. Km.

Literacy Rates 65.38% (male 75.85%, female 54.16%)

Life Expectancy (Yr.2000) Total Population 64.90 yrs., M=64.10 yrs. F=65.60 yrs.

Source: Census of India; Economic Survey, 2002-03; National Informatics Centre; Planning Commissionof India.


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TABLE � 2

GROSS DOMESTIC SAVING AND INVESTMENTItem Per cent of GDP (Rs. in crores)

(at current market prices)

2001-02* 2000-01@ 1999-00 1995-96 2001-02* 2000-01@ 1999-00to

1998-99(Average)

1 2 3 4 5 6 7 8

1. Household Saving 22.5 21.6 20.8 17.9 5,15,565 4,53,641 4,02,360

of which :

a) Financial assets 11.2 10.4 10.5 9.8 2,56,647 2,17,841 2,03,702

b) Physical assets 11.3 11.2 10.3 8.1 2,58,918 2,35,800 1,98,658

2. Private Corporate Sector 4.0 4.1 4.4 4.3 92,060 86,142 84,329

3. Public Sector (2.5) (2.3) (1.0) 1.0 (57,662) (48,022) (20,049)

4. Gross Domestic Saving 24.0 23.4 24.1 23.3 5,49,963 4,91,761 4,66,640

5. Net Capital Inflow (0.2) 0.6 1.1 1.4 (4,872) 12,977 21,988

6. Gross Domestic Capital 23.7 24.0 25.2 24.7 5,45,091 5,04,738 4,88,628Formation

7. Errors and Omissions 1.3 1.5 1.6 1.6 30,003 31,117 30,366

8. Gross Capital Formation 22.4 22.5 23.7 23.1 5,15,088 4,73,621 4,58,262

of which:

a) Public Sector 6.3 6.4 6.9 7.0 1,45,082 1,34,025 1,34,484

b) Private Corporate Sector 4.8 4.9 6.5 8.0 1,11,088 1,03,796 1,25,120

c) Household Sector 11.3 11.2 10.3 8.1 2,58,918 2,35,800 1,98,658

* Quick Estimates.

@ Provisional.

Source: Central Statistical Organisation.


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TABLE � 3

FINANCIAL SAVING OF THE HOUSEHOLD SECTOR (GROSS):PERCENTAGE DISTRIBUTION

Item 2001-02* 2000-01@ 1999-00 1998-99 1997-98 1996-97 1995-96 1994-95 1993-94

1 2 3 4 5 6 7 8 9 10

Financial Saving (Gross) 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0(12.9) (11.9) (12.3) (11.9) (11.3) (11.6) (10.5) (14.4) (12.8)

a) Currency 9.5 7.1 8.7 10.5 7.4 8.6 13.3 10.9 12.2(1.2) (0.8) (1.1) (1.3) (0.8) (1.0) (1.4) (1.6) (1.6)

b) Deposits 37.9 42.0 37.5 38.8 46.6 48.1 42.5 45.5 42.6(4.9) (5.0) (4.6) (4.6) (5.3) (5.6) (4.5) (6.5) (5.4)

i) with banks 31.1 32.4 30.5 33.7 37.8 25.7 26.3 35.3 27.9ii) with non-banking 2.8 4.9 3.7 3.8 3.9 16.4 10.6 7.9 10.6

companiesiii) with co-operative 6.1 5.5 4.2 4.6 5.3 6.4 5.8 3.0 5.2

banks and societiesiv) trade debt (net) (2.1) (0.7) (0.8) (3.3) (0.4) (0.4) (0.2) (0.8) (1.1)

c) Shares and debentures 2.3 2.5 7.1 3.4 2.9 6.6 7.3 11.9 13.5(0.3) (0.3) (0.9) (0.4) (0.3) (0.8) (0.8) (1.7) (1.7)

i) private corporate 1.1 1.1 3.4 1.5 1.3 3.6 6.6 8.0 7.5business

ii) co-operative banks 0.0 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1and societies

iii) units of UTI (0.6) (0.4) 0.8 0.9 0.3 2.4 0.2 2.7 4.3iv) bonds of PSUs 0.0 0.1 0.1 0.0 0.1 0.1 0.1 0.1 0.5v) mutual funds 1.7 1.6 2.9 0.8 1.1 0.3 0.3 1.1 1.2

(other than UTI)d) Claims on Government 16.8 15.6 12.1 13.6 12.9 7.4 7.7 9.1 6.3

(2.2) (1.9) (1.5) (1.6) (1.5) (0.9) (0.8) (1.3) (0.8)i) investment in 5.7 1.7 0.9 0.7 1.6 0.4 0.4 0.1 0.4

Government securitiesii) investment in small 11.1 13.9 11.2 13.0 11.3 7.0 7.4 9.0 5.9

savings, etc.e) Insurance funds 14.4 13.5 12.0 11.3 11.3 10.2 11.2 7.8 8.7

(1.9) (1.6) (1.5) (1.3) (1.3) (1.2) (1.2) (1.1) (1.1)i) life insurance funds 13.9 12.9 11.3 10.6 10.6 9.5 10.4 7.2 8.0ii) postal insurance 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.2 0.2iii) State insurance 0.4 0.4 0.5 0.5 0.4 0.4 0.5 0.5 0.5

f) Provident and pension 19.0 19.3 22.5 22.4 18.8 19.2 18.0 14.7 16.7funds (2.5) (2.3) (2.8) (2.7) (2.1) (2.2) (1.9) (2.1) (2.1)

* Quick Estimates. @ Provisional.Note: Figures in brackets are percentages to GDP at current market prices.Source: Central Statistical Organisation.


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TABLE � 4

INDIA�S OVERALL BALANCE OF PAYMENTSRs. In crores US $ million

Item 2002-03 2001-02 2000-01 2002-03 2001-02 2000-01

1 2 3 4 5 6 7

A. Current Account1. Exports, f.o.b. 2,56,352 2,14,351 2,05,287 53,000 44,915 44,8942. Imports, c.i.f. 3,16,702 2,74,778 2,70,663 65,474 57,618 59,2643. Trade Balance (60,350) (60,427) (65,376) (12,474) (12,703) (14,370)4. Invisibles, net 78,275 64,161 48,975 16,182 13,485 10,780

a) �Non-Factor� Services 29,995 21,960 11,401 6,206 4,577 2,478of which, Software Exports 46,427 36,036 29,014 9,600 7,556 6,341b) Income (23,617) (17,467) (22,384) (4,882) (3,601) (4,832)c) Private Transfers 69,924 57,821 58,412 14,448 12,125 12,798d) Official Transfers 1,973 1,847 1,546 410 384 336

5. Current Account Balance 17,925 3,734 (16,401) 3,708 782 (3,590)B. Capital Account

1. Foreign Investment, net (a+b) 21,918 31,877 27,245 4,555 6,692 5,862a. Direct Investment of which * : 17,412 22,588 15,413 3,611 4,741 3,272

i. In India 22,575 29,192 18,414 4,660 6,131 4,029Equity 13,091 18,658 10,964 2,700 4,095 2,400Re-invested earnings 7,250 8,710 6,175 1,498 1,646 1,350Other Capital 2,234 1,824 1,275 462 390 279

ii. Abroad (5,163) (6,604) (3,001) (1,049) (1,390) (757)Equity (2,051) (2,701) (1,586) (424) (570) (344)Re-invested earnings (2,600) (3,329) (1,076) (519) (699) (339)Other Capital (512) (574) (339) (106) (121) (74)

b. Portfolio Investment 4,506 9,289 11,832 944 1,951 2,590In India 4,679 9,617 12,609 979 2,020 2,760Abroad (173) (328) (777) (35) (69) (170)

2. External Assistance, Net (11,745) 5,418 2,001 (2,460) 1,117 410Disbursements 13,392 16,073 13,528 2,773 3,352 2,942Amortisation (25,137) (10,655) (11,527) (5,233) (2,235) (2,532)

3. Commercial Borrowings, net (8,283) (7,476) 17,577 (1,698) (1,576) 3,737Disbursements 13,219 12,896 41,845 2,737 2,696 9,052Amortisation (21,502) (20,372) (24,268) (4,435) (4,272) (5,315)

4. Short Term Credit, net 4,715 (4,236) 321 979 (891) 1055. Banking Capital of which, 39,800 26,671 3,517 8,243 5,592 811

NRI Deposits, net 13,602 13,127 10,567 2,808 2,754 2,3176. Rupee Debt Service (2,303) (2,458) (2,763) (474) (519) (617)7. Other Capital, net @ 16,921 793 (1,223) 3,493 158 (290)8. Total Capital Account 61,023 50,589 46,675 12,638 10,573 10,018

C. Errors & Omissions 3,068 2,269 (2,612) 634 402 (572)D. Overall Balance [A(5)+B(8)+C] 82,016 56,592 27,662 16,980 11,757 5,856E. Monetary Movements (F+G) (82,016) (56,592) (27,662) (16,980) (11,757) (5,856)F. IMF, Net (115) (26)G.Reserves and Monetary Gold (82,016) (56,592) (27,547) (16,980) (11,757) (5,830)

(Increase-, Decrease +) :* Data on Foreign Direct Investment (FDI) are revised since 2000-01 with expanded coverage to approach international best practices.FDI data for previous years would not be comparable with these figures.@ Comprises mainly of leads and lags in export receipts. Other items included are funds held abroad, India�s subscription to internationalinstitutions, quota payment to IMF, and residual item of other capital transaction not included elsewhere.Note : 1. Gold and silver brought by returning Indians have been included under imports, with a contra entry in private transfer receipts.

2. Data on exports and imports differ from those given by DGCI&S on account of differences in coverage, valuation and timing.Source : Central Statistical Organisation.


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TABLE � 5

MACRO�ECONOMIC AGGREGATES (AT CURRENT PRICES)

(Rs. in crores)

Year Factor 1950-51 1960-61 1970-71 1980-81 1990-91 2000-01 2001-02 2002-03QE AE

Population(million) 359 434 541 679 839 1019 1037 1055GDP at factor cost 9547 16220 42222 130176 510954 1917724P 2094013 2236128Consumption of fixed capital 364 944 2970 12288 53264 197856 217058NDP at factor cost 9183 15276 39252 117888 457690 1719868 1876955 1998005Indirect taxes less subsidies 387 947 3455 13586 57720 186574 202036GDP at market prices 9934 17167 45677 143764 568674 2104298P 2296049NDP at market prices 9570 16223 42707 131474 515410 1906442 2078991Net factor income from (41) (72) (284) 345 (7545) (17414) (12663)abroadGNP at factor cost 9506 16148 41938 130521 503409 1900310P 2081350 2217816NNP at factor cost 9142 15204 38968 118233 450145 1702454P 1864292 1979693GNP at market prices 9893 17095 45393 144107 561129 2086884 2283386NNP at market prices 9529 16151 42423 131819 507865 1889028 2066328Private final consumption - - - 113213 381157 1357989 1489883expenditure (PFCE)Govt. final consumption 592 1206 4289 14492 66030 264563 294971expenditure (GFCE)GDP of public sector - 1609 5802 25525 128398 459635 503606NDP of public sector - 1392 5473 20533 104087 395345Personal disposable income# 8876 14638 37891 120642 461192 1790828 1958006GDCF 866 2470 7043 29230 149536 504738 545091NDCF 502 1526 4073 16942 96272 306882 328033GDS 887 1989 6649 27136 131340 491761 549963NDS 523 1045 3679 14848 78076 293905 332905Per capita GNP at factor 265 372 775 1922 6000 18649 20071 21022cost (Rs.)Per capita NNP at factor 254.7 350.3 720.3 1741.3 5365.3 16707.1P 17977.7 18765cost (Rs.)

P : ProvisionalQE : Quick EstimatesAE : Advance Estimates# : Separate data on fees, fines, etc. paid by producers are not available, and to that extent personal disposable

income is under estimated.

Source: Central Statistical Organisation.


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TABLE - 6

KEY MARKET INDICATORSSize of Market, Life and Non-Life $16 billionTotal global insurance premium (as on 2001) $2408.25 billion (-1.5% as against 2000)Rate of Annual Growth year 2002-03 Life 11.27%

Non-life 23% (Premium underwritten in India and abroad)Geographical Restriction for new players None. Players can operate all over the countryEquity restriction in a new Foreign promoter can hold upto 26% of the equityIndian insurance companyRegistration Restriction Composite Registration not available.Number of Registered Companies Type of Business Public Private Total

Sector SectorLife Insurance 01 12 13General Insurance 06 08 14Reinsurance 01 0 01Total 08 20 28

Life InsurersPublic Sector New Players1. Life Insurance Corporation of India 1. Allianz Bajaj Life Insurance Company Limited

2. Birla Sun Life Insurance Company Limited3. HDFC Standard Life Insurance Company Limited4. ICICI Prudential Life Insurance Company Limited5. ING Vysya Life Insurance Company Limited6. Max New York Life Insurance Company Limited7. MetLife Insurance Company Limited8. Om Kotak Mahindra Life Insurance Co. Ltd.9. SBI Life Insurance Company Limited

10. TATA-AIG Life Insurance Company Limited11. AMP Sanmar Assurance Co. Ltd.12. Aviva Life Insurance Co. Pvt Ltd.

General InsurersPublic Sector New players1. The New India Assurance Co. Ltd. 1. Bajaj Allianz General Insurance Company Limited2. National Insurance Co. Ltd. 2. ICICI Lombard General Insurance Co. Ltd.3. The Oriental Insurance Co. Ltd. 3. IFFCO-Tokio General Insurance Company Limited4. United India Insurance Co. Ltd. 4. Reliance General Insurance Company Limited

5. Royal Sundaram Alliance Insurance Co. Ltd.6. TATA-AIG General Insurance Company Limited7. Cholamandalam MS General Insurance Co. Ltd.8. HDFC Chubb General Insurance Co. Ltd.9. Export Credit & Guarantee Corporation

10. *Agriculture Insurance Company of India Limited

Re-insurerGeneral Insurance Corporation of India

* Granted registration in October, 2003


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TABLE � 7

ECONOMIC AND SOCIAL INDICATORS

Population in millions, 2003 1055

Surface Area in 1000 Sq. Kms. 3287

People per Sq. Km. 321

GNP in U.S Billions 2003 320

Rank in the world by GNP 11

Average Annual Growth of GNP (%) 5.3

Average Annual % Growth of GDP 4.3

Public Expenditure on health % of GDP (2001) 5.2

Public Expenditure on Education % of GDP 3.99

Infant mortality per 1000 live births 59.59 deaths / 1000 live births (2003)

Source : Economic Survey, 2002-03; World Development Report, 2002; RBI

TABLE - 8(I)

DEMOGRAPHIC TRENDS AND PROJECTIONS - I**

1996 2001 2006 2011

Total Population (Million) 934.22 1012.39 1094.13 1178.89

Urban Population (%) 27.23 28.77 30.35 31.99

Sex Ratio (Males per 100 Females) 107.9 107.2 106.6 106

TABLE - 8(II)

DEMOGRAPHIC TRENDS AND PROJECTIONS - II**

1996�2001 2001�2006 2006�2011

Growth Rate of Population (% pa) 1.62 1.57 1.5

Expectation of Life at Birth (Male/Years) 62.36 63.87 65.65

Expectation of Life at Birth (Female/Years) 65.27 66.91 67.67

**Source Census Statistics

B. APPRAISAL OF THE INSURANCEMARKET

The Government of India appointed a Committeeon Reforms in the Insurance Sector in April, 1993.The constitution of the Committee was another stepin the initiatives in the area of financial reformscovering the banking sector and the capital marketsaimed at creating a more efficient and competitivefinancial system, keeping in mind the structural changesunderway in the economy at that point of time. Theissues of concern included continuance of the insurancecompanies as state monopolies, with absolutely nocompetition, thereby impacting the availability ofwider choices to the customer; the continuance ofGovernment of India as the only stake holder in theinsurance industry; re-establishment of an effectiveregulatory apparatus for the insurance business oncethe sector was liberalised; and a very high pre-emption of insurance industry�s funds throughgovernment-mandated investments. Since the financialresults of insurance companies have implications onrates of insurance premium and returns on savingsinvested in life insurance, right investment opportunitieswere required to be explored by the insurancecompanies; besides ensuring better management,customer service, efficiency and competitiveness byleveraging on information technology. The state ownedinsurers had just not addressed these issues.

Today, it is a little over three years since the constitutionof the regulatory body, and there are already twentyseven players in the market. Both the private andpublic sector players are operating on a level playingfield. The private players have taken positions in theindustry, and have created a niche market forthemselves. The number of companies which weregranted registration in the financial year 2000-01was 11; followed by another 6 in 2001-02; and 4in 2002-03. In addition, General InsuranceCorporation (GIC) has been designated as the nationalre-insurer. While eleven private sector companies hadunderwritten life business during the financial year2001-02, the number of private players competingfor business during the year 2002-03, increased totwelve. During the same period, the number of newlyregistered insurers in the non-life segment increased

to nine from six in the previous year. During the currentfinancial year, license has been issued to AgricultureInsurance Co. of India Ltd. The key market indicatorsfor the insurance industry are placed at Table 6.

That the established foreign insurers have steppedforward to set up operations in the country, evenas minority partners with 26 per cent equity stake,speaks volumes of the interest the industry has generatedworld wide due to the vast untapped potential. Theforeign stakeholders have brought with theminternational market practices and techniques, whichwould ultimately benefit the customer at large. Theentry of foreign partners has resulted in the sectorattracting foreign direct investments (FDI) to the tuneof Rs.739.19 crore as on 31st March, 2003 (the FDIstood at Rs.825.44 crore as on 30th September,2003). The paid up equity of the 27 players in theinsurance industry as on 31st March, 2003 stood atRs. 4172.13 crore (Refer Annexure � XI).

The opening up of the sector has also resulted inthe players catering to the market demands of choiceand competition. Such forces which unleashed aresurgent demand for products and innovation hadto be built on the gains of nationalisation, viz., marketspread, and the natural reach of the business acrossthe length and breadth of the country and itsconsolidation. Besides providing affordable insuranceprotection against risks, the players� achievementsshould also be assessed in terms of their sensitivityto the needs of the market through introduction oftailor-made products aimed at specific segments ofthe society, adoption of modern practices to upgradetechnical skills, and a deeper penetration of theinsurance market in terms of gross domestic product.Although health insurance is yet to take off in a bigway, for the first time group health products havebeen introduced to the market, and the same havebeen well received.

The other factors that have supported the possibilitiesfor increased penetration of insurance in the Indianmarket are the emerging socio-economic changes,increased wealth, education and awareness ofinsurance needs. The industry, as such, is set toemerge out of the shadows of being driven merelyby tax incentives for growth in case of the life segment,


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while per capita spending on life insurance was US$1396. The Japanese spent the most on life insurancein the year 2001 (US$ 2806), followed by the Swiss(US$ 2716) and the British (US$ 2568). The UK hadthe highest level of penetration (10.7 per cent) followedby Japan (8.9 per cent). In non-life insurance, theaverage level of penetration in the industrialisedcountries was 3.6 per cent, and the average per capitaspending (US$ 919). The United States led in termsof per capita spending (US$ 1644), followed bySwitzerland (US$ 1627). In terms of penetration, onthe other hand, Switzerland had the highest level ofpenetration of 4.8 per cent, while in case of theUnited States it was 4.6 per cent.

Tables 9 (i) & (ii) provide the insurance penetrationand density statistics for the insurance industry in selectcountries across the globe in the years 1999 to 2001.

and of the statutory insurance requirements in caseof the non-life segment. There are indications thatthe advent of new players has increased both theinsurance density (premium as per capita) and theinsurance penetration (premium as a percentage ofGross Domestic Product). Based on the figurespublished by Swiss Re for the year 2001, these werea mere US$ 11.5 and 2.71 per cent of the GrossDomestic Product respectively. The world averages areUS$ 393.3 and 7.83 per cent, respectively for theyear 2001. India ranks 78th in terms of insurancedensity, and 49th in terms of insurance penetration.In the year 2001, the industrialised countries generatedover 90 per cent of the global insurance premiumincome in both the life and non-life segments. Withpremium income of US$ 991 billion, North Americawas the most important region, followed by WesternEurope (US$ 740 billion) and Oceania (US$ 36billion). Life insurance penetration was 5.4 per cent,


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TABLE � 9(I)

INSURANCE PENETRATION - INTERNATIONAL COMPARISON

Countries Insurance Penetration Insurance Penetration Insurance Penetration(Premiums as % (Premiums as % (Premiums as %of GDP � 1999) of GDP � 2000) of GDP � 2001)

Total Non-life Life Total Non-life Life Total Non-life Life

United States 8.55 4.32 4.23 8.76 4.28 4.48 8.97 4.57 4.40

Canada 6.49 3.31 3.19 6.56 3.28 3.27 6.42 3.45 2.97

Brazil 2.01 1.66 0.35 2.11 1.75 0.36 2.14 1.78 0.36

Mexico 1.68 0.86 0.82 1.72 0.85 0.86 1.81 0.95 0.86

Chile 3.78 1.13 2.65 4.07 1.15 2.92 4.23 1.30 2.93

United Kingdom 13.35 3.05 10.30 15.78 3.07 12.71 14.18 3.45 10.73

Germany 6.52 3.55 2.96 6.54 3.55 3.00 6.59 3.60 3.00

France 8.52 2.82 5.70 9.40 2.81 6.59 8.58 2.85 5.73

Russia 2.13 1.34 0.78 2.42 1.29 1.13 3.06 1.51 1.55

Japan 11.17 2.30 8.87 10.92 2.22 8.70 11.07 2.21 8.85

South Korea 11.28 2.89 8.39 13.05 3.16 9.89 12.07 3.38 8.69

PR China 1.63 0.61 1.02 1.79 0.67 1.12 2.20 0.86 1.34

India 1.93 0.54 1.39 2.32 0.55 1.77 2.71 0.56 2.15

Malaysia 3.88 1.72 2.16 3.72 1.59 2.13 5.18 1.80 3.38

Indonesia 1.42 0.76 0.66 1.18 0.64 0.54 1.13 0.60 0.53

South Africa 16.54 2.62 13.92 16.86 2.83 14.04 17.97 2.78 15.19

Nigeria 0.95 0.88 0.07 0.66 0.53 0.13 0.71 0.56 0.14

Kenya 3.26 2.48 0.78 2.63 1.91 0.72 2.70 1.87 0.82

Australia 9.82 3.39 6.43 9.41 3.37 6.04 9.15 3.44 5.70

Source: Swiss Re, Sigma volumes 9/2000, 6/2001 and 6/2002


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Table � 9(ii)

INSURANCE DENSITY - INTERNATIONAL COMPARISON

Countries Insurance Density Insurance Density Insurance Density(Premiums as per Capita (Premiums as per Capita (Premiums as per Capita

of USD � 1999) of USD � 2000) of USD � 2001)

Total Non-life Life Total Non-life Life Total Non-life Life

United States 2921.1 1474.4 1446.6 3152.1 1540.7 1611.4 3266.0 1664.1 1602.0

Canada 1375.3 700.6 674.6 1516.8 759.6 757.2 1460.4 784.6 675.9

Brazil 68.6 56.7 11.8 75.6 62.7 12.9 64.0 53.2 10.8

Mexico 84.6 43.3 41.3 101.2 50.4 50.8 112.6 59.4 53.2

Chile 163.0 48.7 114.3 175.8 49.7 126.0 176.4 54.3 122.1

United Kingdom 3244.3 741.5 2502.8 3759.2 730.7 3028.5 3393.8 825.9 2567.9

Germany 1675.7 913.5 762.2 1491.4 808.5 683.0 1484.2 809.9 674.3

France 2080.9 688.6 1392.3 2051.1 613.7 1437.4 1898.8 630.6 1268.2

Russia 26.8 17.0 9.9 41.8 22.3 19.5 65.8 32.6 33.2

Japan 3908.9 805.5 3103.4 3973.3 808.2 3165.1 3507.5 701.1 2806.4

South Korea 1022.8 262.3 760.5 1234.1 298.5 935.6 1060.1 296.7 763.4

PR China 13.3 5.0 8.3 15.2 5.7 9.5 20.0 7.8 12.2

India 8.5 2.4 6.1 9.9 2.3 7.6 11.5 2.4 9.1

Malaysia 140.4 62.3 78.1 150.9 64.6 86.4 198.3 68.7 129.5

Indonesia 9.5 5.1 4.4 8.6 4.6 4.0 7.7 4.1 3.6

South Africa 490.9 77.9 413.0 472.1 79.1 392.9 446.3 69.1 377.2

Nigeria 2.6 2.4 0.2 2.0 1.6 0.4 2.3 1.8 0.5

Kenya 9.9 7.5 2.4 8.9 6.5 2.4 9.4 6.6 2.9

Australia 2037.4 703.8 1333.6 1859.3 665.8 1193.5 1668.3 628.0 1040.3

Source: Swiss Re, Sigma volumes 9/2000, 6/2001 and 6/2002


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(i) Life Insurance

The financial year 2002-03, was the second full yearof operations for most of the new life companies;by the end of the financial year, the number of privateplayers had increased to twelve, and they werecompeting with the public sector Life InsuranceCorporation of India (LIC). The premium underwrittenby the industry during 2002-03 was Rs.55738.11crore, of which Rs.54628.49 crore was underwrittenby LIC and Rs.1109.62 crore by the private players.As against this, the previous year figures wereRs.50094.45 crore, Rs.49821.91 crore and Rs.272.54crore, respectively. Overall, the industry witnessed agrowth of 11.27 per cent in terms of gross premiumunderwritten as against 43.54 per cent growth recordedin the previous year. The decline in the growth ratein the year 2002-03 has to be assessed in the contextof the previous year being an aberration. In thefinancial year 2001-02, LIC which had underwritten99.46 per cent of the business in that year, had offeredhigh yield guaranteed return plans like Jeevan Shree,Bima Nivesh, Single Premium and Individual PensionPlans. The decline in growth rate could be on accountof the withdrawal of these schemes in the financialyear 2002-03. Growth in the business of LIC declinedto 9.65 per cent as against 42.79 per cent in theprevious year. A review of the performance of LICduring the years 1998-99 to 2000-01 further revealsthat it has recorded annual growth in the range of18 and 25 per cent. As against this, the privateinsurers exhibited growth of 307.15 per cent duringthe year. The sharp increase in growth for the newplayers can partly be attributed to the fact that theirbusiness in the financial year 2001-02 was small.

The performance of the private players in the lasttwo years, and particularly for the current year hasreflected their ability to create and nurture newmarkets. While the private players accounted for about2 per cent of the total premium underwritten in thesector for the year 2002-03, significantly the totalbusiness underwritten grew by 11.27 per cent. Incomparison, the private players had accounted forless than 1 per cent of the total business underwrittenin the previous year. In effect, the new insurers havenot necessarily partaken of the existing pie, ratherthe size of the pie has enlarged. New avenues havealso been created and business opportunities explored.All these are likely to lead to the establishment of

a vibrant and customer friendly insurance businessenvironment in the country.

In terms of market share, LIC held 98 per cent ofthe life market, with the twelve new players capturingjust under 2 per cent. As against this, LIC held 99.46per cent of the market in the year 2001-02. Acomparison of the business underwritten by the privateplayers further reveals that at least three of them havesucceeded in establishing themselves in the market,while a couple of them have still to make a mark.

The growth trends of LIC for the year 2002-03 revealthat the first year premium of the insurer grew fromRs.10492.72 crore in the year 2001-02 toRs.10630.80 crore, i.e., a growth of mere 1.32 percent. The growth in the first year premium of LICin the year 2001-02 was 50.69 per cent. The singlepremium exhibited a decline of 41.23 per cent fromRs.9096.05 crore in the previous year to Rs.5345.96crore in 2002-03. This is as against a growth of232 per cent in the previous year. In terms of renewals,premium collected was Rs.38651.73 crore as againstRs.30233.14 crore in the previous year, recordinga growth of 27.87 per cent, as against 20.02 percent in the previous year.

The growth trends of the twelve private players forthe year 2002-03 reveal that the first year premiumof the insurers grew from Rs.170.49 crore in the year2001-02 to Rs.629.95 crore, i.e., a growth of 269.50per cent. The growth in the first year premium ofthe private players in the year 2001-02 was about45 times (it may be recalled that just a handful ofprivate players were in operation for a few monthsin the year 2000-01). The single premium exhibiteda growth of 235 per cent from Rs.98.02 crore inthe previous year to Rs.328.18 crore in 2002-03.This is as against a growth of 35 times in the previousyear. In terms of renewals, premium collected wasRs.151.49 crore as against Rs.4.03 crore in theprevious year, recording a growth of 36.55 times.

Statistics compiled from the annual reports furnishedby the insurers, reveal that on an average, the firstyear commission to the first year premium of the lifeinsurers works out to 25.33 per cent as against 25.56per cent in the previous year. While the ratio in caseof LIC was 25.51 per cent, the cumulative total forthe private insurers worked out to 22.24 per cent,as against 25.52 per cent and 27.83 per cent,


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respectively in the previous year. The renewalcommission to renewal premium ratio for LIC in thefinancial year 2002-03 was 5.80 per cent as against5.63 per cent in the previous year. The correspondingfigures for the private insurers were 6.06 per centand 6.83 per cent, respectively. The ratio of singlepremium commission to the single premium for theindustry worked out to 1.16 per cent in the financialyear 2002-03 as against 1.54 per cent in the previousyear. The corresponding figures for LIC and the privateplayers were 1.16 per cent and 1.54 per cent; and1.14 per cent and 1.39 per cent respectively for thetwo years. The decreasing trend in the commissionper centage in case of the private insurers, as againstthe increasing premium figures also points towardsthe private insurers� strategy to adopt ways and meansto widen their distribution channels and improve theircost effectiveness, while at the same time offeringa wider range of products.

The ratio of total commission paid and operatingexpenses to total premium collected for the lifeinsurance industry was 18.90 per cent as against18.54 per cent in the previous year. The correspondingfigures for LIC and the private players were 17.55per cent and 17.62 per cent; and 85.59 per centand 187.15 per cent respectively for the two years.The operating expenses in case of the private insurersare high particularly in case of the first year ofoperations. Even though the private insurers are stillestablishing their operations, the ratio of expensesto the premium is coming down slowly on accountof both stabilisation of operations and with increasein the premium underwritten.

The benefits paid statistics of the insurers reveal thatthe gross benefits paid during 2002-03 wereRs.20564.36 crore as against Rs.17484.11 crorepaid in the previous year. The benefits paid net ofre-insurance accounted for Rs.20544.71 crore in2002-03 and Rs.17479.52 crore in the year2001-02. The benefits paid through re-insurance forthe two years were a nominal 0.10 per cent and0.03 per cent, respectively. In the life segment, amajor component of the risk is being retained bythe life insurers, which is in stark contrast to thenon-life insurance industry. The retention componentreflects the life insurance industry�s ability to retainrisks as against the general insurance market, and

in case of any major upheaval in the re-insurancemarket, the life segment is the least impacted. It isstill early years for the private sector insurers to haveany major claims. The gross benefits paid by thetwelve private insurers were Rs.17.99 crore and Rs.3.04crore, respectively in the years 2002-03 and2001-02. In case of LIC the said figures stood atRs.20546.36 crore and Rs.17481.07 crore,respectively. The accompanying graphs exhibit thetrends for the life insurance industry for the premiumincome, commission and operating expenses.

The compilation of the Revenue Account, Profit &Loss Account and Balance Sheets of the life insurersare placed at Tables 10 to 12. The Revenue Account,Profit & Loss Account and Balance Sheet of LIC forthe CRAC business are placed at Tables 13 to 15.

Performance during the first half of2003-04:

During the first half of the current financial year2003-04, the life insurers have underwritten first yearpremium of Rs.5435.96 crore towards 8738024policies. In the individual segment, LIC accountedfor 88 per cent of the business in terms of premiumand 94 per cent in terms of policies. As against this,the private insurers captured 12 per cent of thepremium and 6 per cent of the policies. In termsof group business, LIC captured 93.63 per cent ofthe premium and 93 per cent of the policies. Thetwelve private insurers captured only 6.37 per centof the premium and 7 per cent of the policiesunderwritten during the period for group business.

Under the Varishtha Pension Bima Yojana launchedby the LIC, in July, 2003 premium of Rs.2281.42crore towards 132022 policies has been collectedin the first half of the current financial year. Thisbusiness accounts for 47 per cent of the total firstyear business collections received, including singlepremium, by LIC during April � September, 2003.

The private players have during the first half of thecurrent financial year, underwritten 62 per cent ofthe first year premium (including single premium)business done in the entire previous year. In comparison,LIC has underwritten 30 per cent of the business doneby it in the twelve-month period of 2002-03.Traditionally, LIC�s maximum business has beenunderwritten during the last quarter of any given year.


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In terms of market share, during the half year endedSeptember, 2003, the market share of the privateplayers, in terms of premium, has gone up to 10.95per cent as against 5.66 per cent in FY 2002-03.

On the whole, insurers had launched several innovativeproducts aimed at catering to the specific needs ofindividuals/groups. Customised life insurance solutionsare being offered rather than pre-packaged products.Simplicity and innovation are the key words forfinalising products aimed at the masses. Products havealso been designed to cater to the �child� segmentwith innovations like family income benefits. A numberof new products have been introduced in the industrywith players in the life segment launching productswith guaranteed additions, which were subsequentlywithdrawn/toned down; single premium mode waspopularised; unit linked products were introduced;and add�on/ riders were introduced including thosefor accidental death; dismemberment, critical illnessrider, fixed term rider, pay rider or benefit rider, termto age 60 rider, group hospital and surgical rider,hospital cash benefit riders and a number of others.The comprehensive products having features ofendowment, money back, whole life, single premium,regular premium, rebate in premium for higher sumassured, premium mode rebate, etc., having a numberof riders along with the base products have beenre-packaged. The year 2002-03 also witnessed a shiftin the products offered to the customers from non-linked to linked products, which offer greater flexibilityand transparency to the customers. Introduction ofunit linked products, particularly at times when thestock markets are exhibiting a rising trend, is a goodstrategy. However, educating the insured of the pitfallsattached is even more crucial.

While introduction of the unit-linked products hasbeen well received by the customers, it is critical thatthe prospective policyholder is aware of the risksattached to such insurance products. Being linkedto the equity investments, such products have attachedfinancial risks. Financial risks emerge from the variousoptions which are added to the policies, and areequally difficult to price keeping the long term horizonin mind. Further the risk of volatility of the stock marketis added, which impacts the earnings of the insurer.Interestingly, many a provider in the global marketshas started adding capital protection features to theirproducts. Market trends indicate that world over, sale

of such products declines in the scenario of fallingequity markets. The insurance market in India hasyet to stand the test of such a scenario.

Government of India in the Union Budget 2003-04,announced the launch of �Varishtha Pension BimaYojana� for citizens aged 55 years and above. TheVarishtha Yojana is a Government subsidised schemeand LIC has been given the privilege to operate thescheme. The scheme aims at providing pension duringthe life time of the pensioner and in the event ofunfortunate death of the pensioner, purchase priceis payable to the nominee / legal heir of the pensioner.

The list of products introduced by the life insurersduring the financial years 2001-02 and 2002-03 areplaced at Tables 16(i) and 16(ii).

With a view to capturing virgin markets, insurers haveintroduced a number of innovative concepts in differentvillages across the country to strengthen their distributionchannels. Easy term policies are being offered at verylow rates of premium to provide life cover. Insurersare also associated with SOS Children�s villages, haveadopted specific rural areas and launched the insuranceproducts under the supervision of their ruraldevelopment teams. These methods, with their variantsthat will be adopted in the coming years, augur wellfor the development of this special market. In aneffort to compete with the existing players, the newinsurers have been aiming at providing better customerservice. Players across the board are exploring andtapping the potential of new channels of distribution,besides building a strong agency network: corporateagencies and bancassurance. Subsequent to theenabling legislative framework being put in place bythe Authority, allowing Bancassurance � selling ofinsurance products through the banking network, theinsurers have started offering products through thisstrategic channel. Elaborate bancassurance strategieshave been put in place to tap a lucrative revenuesegment. With the grant of licenses to brokers, inthe year 2002-03, this is another intermediary whichis likely to gain prominence in the foreseeable future.

International operations of LIC:

During the year 2002-03, LIC�s international operationsshowed positive trends except for United Kingdomwhere the operations of the Corporation are beingrevamped. LIC has also commenced operations inSri Lanka and Nepal.

TAB

LE-1

0R

EVEN

UE

ACCO

UN

T :

ALL

LIF

E IN

SUR

ERS

(Rs.

In

la

kh

s)

Part

icul

ars

BSLI

ICIC

I-PRU

ING

VL.

I.C.

HDFC

STD

LIF

EM

NYL

AMP

SA.

BAJ

AJSB

I-LIF

EO

MKO

TAK

TATA

-AIG

MET

-LIF

EAV

IVA

TOTA

L

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

02-

2001

-03

0203

0203

0203

0203

0203

0203

0203

0203

0203

0203

0203

0203

0302

Prem

ium

s ea

rned

� n

et(a

) Pre

miu

m14

392

2826

4176

211

637

2116

419

5462

849

4982

191

1488

233

4696

5938

9564

728

6917

714

7239

1468

4032

758

7177

2114

791

4813

4755

7381

050

0944

4(b

) Rei

nsur

ance

ced

ed(40

3)(14

6)(28

)(3)

(4)(2)

(2794

)(16

76)

(477)

(139)

(154)

(35)

(46)

(56)

(11)

(60)

(21)

(87)

(6)(11

)(1)

(8)(41

27)

(2040

)(c

) Rei

nsur

ance

acc

epte

d18

279

182

79In

com

e fro

m In

vestm

ents

(a) I

nter

est,

Divi

dend

s &

Rent

� G

ross

287

6118

6317

035

2503

050

2286

190

528

107

406

7713

117

358

2141

172

349

2506

922

2286

626

(b) P

rofit

on

sale

/red

empt

ion

of in

vestm

ents

2226

626

117

1282

5111

2377

465

3214

431

1291

5311

2525

(c)

(Loss

on

sale

/ red

empt

ion

of in

vestm

ents)

(6)(1)

(3322

3)(13

618)

(6)(33

234)

(1361

9)(d

) Tra

nsfe

r/G

ain

on re

valu

atio

n/

cha

nge

in fa

ir va

lue

Oth

er In

com

e (to

be

spec

ified

)67

8644

0817

185

3553

312

464

5324

4461

121

(5)83

147

756

2135

2

TOTA

L (A

)21

080

7174

4424

111

939

2152

417

8093

848

7378

007

2030

277

8099

2339

3860

928

7095

703

7741

1489

4014

737

7263

2108

783

4714

1382

2046

274

1436

7

Com

miss

ion

2951

440

3647

1447

645

135

4998

6145

1791

1977

662

1849

1186

167

712

4223

518

719

761

181

1480

572

167

1621

051

5144

4566

91O

pera

ting

Expe

nses

rela

ted

to89

0748

1617

512

8485

5775

2312

4571

7642

6040

7006

4126

1119

484

8833

9811

2366

7225

1123

3011

2761

3836

9863

5340

3830

4465

348

4154

0345

4674

17In

sura

nce

Busin

ess

Prov

ision

for d

oubt

ful d

ebts

126

541

1798

726

542

1798

7Ba

d de

bts

writt

en o

ffPr

ovisi

on fo

r Tax

(965)

1258

6286

817

1258

6285

852

(a) F

or d

imin

utio

n in

the

valu

e of

2607

783

9726

077

8397

i

nves

tmen

ts (N

et)

(b) O

ther

s (to

be

spec

ified

)14

1782

4646

859

182

4646

2277

TOTA

L (B

)11

859

5256

2115

989

6764

2038

6419

6016

399

1891

8982

4788

1304

396

7435

6511

3079

1427

4625

1711

4668

9838

8078

3246

1032

1266

950

5020

5861

610

3862

1

Bene

fits

Paid

(Net

)10

230

316

6529

2053

039

1747

664

553

249

679

3627

421

316

123

186

2054

471

1747

952

Inte

rim B

onus

es P

aid

2163

519

538

2163

619

538

Cha

nge

in v

alua

tion

of li

abili

ty in

resp

ect o

f life

pol

icie

s(a

) Gro

ss97

8219

4318

723

1282

545

835

430

8230

034

0322

712

291

3070

4546

2037

157

1127

4934

170

2914

3523

2034

734

7945

152

39

839

3145

198

3426

050

(b) A

mou

nt c

eded

in R

eins

uran

ce(66

5)(56

)(3)

(1)(70

6)(37

9)(25

)(16

)(3)

(1402

)(45

2)(c

) Am

ount

acc

epte

d in

Rei

nsur

ance

(d) T

rans

fer t

o Lin

ked

Fund

1988

172

519

881

725

TOTA

L (

C )

9219

1917

3892

013

615

484

353

5156

974

5170

429

1164

126

9447

7020

8816

611

2785

341

7304

1435

2341

347

3795

574

541

984

252

3978

351

9381

3

SURP

LUS/

(DEF

ICIT

) (D

) =(A

)-(B)

-(C)

(1583

8)(10

643)

(4752

)(38

00)

9767

1012

1568

7(32

1)29

8(78

90)

(7824

)(31

22)

(1113

)(36

05)

(2384

)(20

80)

(1092

)(52

26)

(3490

)(43

65)

(3076

)(29

70)

(631)

(4480

)92

2062

1181

932

Tran

sfer f

rom

Sha

reho

lder

s� Ac

coun

t40

0024

0020

8010

9299

311

4643

6530

7611

438

7714

APP

ROPR

IATI

ON

STr

ansfe

r to

Shar

ehol

ders

� Acc

ount

*(15

838)

(1241

7)(47

52)

(3800

)48

810

4332

5(63

1)(44

80)

3517

734

216

Tran

sfer t

o O

ther

Res

erve

s (to

be

spec

ified

)17

7492

7380

8221

4425

1692

7396

8239

18Ba

lanc

e be

ing

Fund

s fo

r Fut

ure

Appr

opria

tions

520

3502

18(32

1)27

3(41

1)16

(212)

3505

07

TOTA

L (D

)(15

838)

(1064

3)(47

52)

(3800

)97

6710

1215

687

(321)

298

(395)

16(63

1)(44

80)

9509

2412

0092

7

Note

s :

1)O

ther

Inco

me

incl

udes

Tra

nsfe

r fro

m S

hare

hold

ers

acco

unt t

o th

e ex

tent

: In

cas

e of

BSL

I Rs.

671

1 la

khs,

In c

ase

of H

DFC

Std

Life

Rs.

5355

lakh

s2)

In c

ase

of L

.I.C

., O

ther

Exp

ense

s in

clud

e pr

ovis

ion

for

Requ

ired

Solv

ency

Mar

gin

of R

s.81

6081

lakh

s3)

In c

ase

of M

NYL

, AM

P SA

NM

AR, M

ETLI

FE d

efic

it in

Rev

enue

Acc

ount

is c

arrie

d di

rect

ly to

Bal

ance

She

et in

stea

d of

P &

L A

/c4)

In c

ase

of O

mKo

tak,

Def

icit

in R

even

ue a

ccou

nt is

Rs.

5226

lakh

s an

d ou

t of w

hich

Rs.

993

lakh

s is

tran

sfer

red

from

P &

L A

/c B

alan

ce tr

ansf

erre

d to

Bal

ance

she

et a

nd s

how

nun

der

Insu

ranc

e Re

serv

es4)

Inco

nsis

tenc

ies

in a

ccou

nts

are

bein

g ta

ken

up w

ith In

sure

rs


3rd

jh

63

da

TAB

LE-1

1P

RO

FIT

AN

D L

OSS

ACCO

UN

T :

ALL

LIF

E IN

SUR

ERS

(Rs.

In

la

kh

s)

Pa

rtic

ula

rsBS

LIIC

ICI-

PRU

ING

-VL.

I.C.

HDF

C ST

D LI

FEM

NYL

AMP-

SA-

BAJA

JSB

I LIF

EO

MKO

TAK

TATA

-AIG

MET

LIFE

AVIV

ATO

TAL

2002

-20

01-

2002

-200

1-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2001

-20

02-

2002

-20

01-

0302

0302

0302

0302

0302

0302

0302

0302

0302

0302

0302

0302

0303

02

Amou

nts

trans

ferre

d fro

m/to

the

(677

1)(44

06)

(158

38)

(1241

7)(4

752)

(3800

)48

810

8139

1(5

355)

(4461

)(4

000)

(2400

)(2

080)

(1092

)(9

93)

(1146

)(4

365)

(3076

)(63

1)(4

480)

175

4796

2Po

licyh

olde

rs A

ccou

nt (T

echn

ical

Acc

ount

)In

com

e Fr

om In

vestm

ents

(a)

Inte

rest,

Divi

dend

s &

Rent

� G

ross

576

598

620

1073

645

515

887

788

952

1504

1094

1263

934

206

970

846

1079

1105

1015

1409

862

828

858

607

688

1117

910

742

(b)

Prof

it on

sal

e/re

dem

ptio

n of

inve

stmen

ts17

544

572

1123

343

258

315

936

1942

2541

520

932

215

525

6(8)

227

31

(12)

389

2833

3020

(c)

(Los

s on

sal

e/ re

dem

ptio

n of

inve

stmen

ts)(2

)(2)

(15)

(2)

(5)

(17)

Oth

er In

com

e (To

be

spec

ified

)45

195

1411

(74)

691

2(2

03)

152

21(4

4)(2

25)

279

TOTA

L (A

)(5

977)

(3569

)(1

4632

)(10

210)

(376

4)(30

27)

4969

782

179

(416

2)(19

54)

1113

1307

756

206

(261

5)(13

60)

(664

)16

827

725

7(3

483)

(1975

)81

5(36

)(3

403)

1395

861

986

Expe

nse

othe

r tha

n th

ose

dire

ctly

119

4186

111

2267

659

557

6716

931

3220

484

197

82

806

549

1124

819

1943

2145

rela

ted

to th

e in

sura

nce

busin

ess

Bad

debt

s wr

itten

off

Prov

ision

s (O

ther

than

taxa

tion)

253

253

(a)

For d

imin

utio

n in

the

valu

e of

inve

stmen

ts (N

et)

(b)

Prov

ision

for d

oubt

ful d

ebts

(c)

Oth

ers

(to b

e sp

ecifi

ed)

565

108

826

92

951

2

TOTA

L (B

)11

941

8611

122

6765

955

763

116

914

040

204

8519

727

725

780

654

911

248

1928

9424

00

Prof

it/ (L

oss)

befo

re ta

x(6

096)

(3610

)(1

4718

)(10

321)

(378

6)(30

94)

4969

782

179

(482

0)(25

11)

482

1138

616

206

(265

5)(15

64)

(749

)(29

)(4

289)

(2524

)80

4(28

4)(3

422)

1106

459

586

Prov

ision

for T

axat

ion

(188)

1(18

8)Pr

ofit

/ (Lo

ss) a

fter t

ax(6

096)

(3610

)(1

4718

)(10

509)

(378

6)(30

94)

4969

782

179

(482

0)(25

11)

482

1138

616

206

(265

5)(15

65)

(749

)(29

)(4

289)

(2524

)80

4(28

4)(3

422)

1106

459

398

APP

ROPR

IATI

ON

S(a

)Ba

lanc

e at

the

begi

nnin

g of

the

year

.(4

442)

(105

31)

23(3

094)

2806

6(2

645)

(134)

(467

)(16

05)

206

(156

5)(1

1)18

1212

(288

2)(35

8)(2

84)

(257

03)

2602

2(b

)In

terim

divi

dend

pai

d du

ring

the

year

4332

543

325

(c)

Prop

osed

fina

l divi

dend

4881

048

810

(d)

Divi

dend

dist

ribut

ion

on ta

x(e

)Tr

ansfe

r to

rese

rves

/ ot

her a

ccou

nts

(832)

(45)

887

1078

888

799

11(to

be

spec

ified

)Pr

ofit

carri

ed �

��

to th

e Ba

lanc

e Sh

eet

(105

38)

(4442

)(2

5249

)(10

531)

(688

0)(30

94)

8217

9(7

465)

(2645

)15

(467)

822

206

(422

0)(15

65)

(760

)(11

)12

12(7

171)

(2882

)52

0(28

4)(3

422)

(643

36)

5647

6

Not

es :

Oth

er E

xpen

ses

incl

ude

Cos

t of B

onus

to P

olic

y H

olde

rs a

s be

low

: M

NYL

Rs.

565

lakh

s, A

MP

SAN

MAR

Rs.

108

lakh

s, O

M K

OTA

K Rs

.11

lakh

s

BSLI

sta

nds

for

Birla

Sun

Life

Insu

ranc

e C

o. L

tdA

Baja

j sta

nds

for

Allia

nz B

ajaj

Life

Insu

ranc

e C

o. L

td.

ICIC

I-PRU

Sta

nds

for

ICIC

I Pru

dent

ial L

ife In

sura

nce

Com

pany

Ltd

SBI-L

IFE

stan

ds fo

r SB

I Life

Insu

ranc

e C

ompa

ny L

tdIN

G V

Sta

nds

for

ING

Vys

ya L

ife In

sura

nce

Co.

Ltd

.O

M-K

OTA

K st

ands

for

Om

Kot

ak L

ife In

sura

nce

Co

Ltd

L.I.C

. St

ands

for

Life

Insu

ranc

e C

orpo

ratio

n of

Indi

aTA

TA-A

IG S

tand

s fo

r TA

TA A

IG li

fe in

sura

nce

com

pany

ltd

HD

FC S

TD L

IFE-

Sta

nds

for

HD

FC S

tand

ard

Life

Insu

ranc

e C

ompa

ny L

tdM

ET L

IFE

Stan

ds fo

r M

et L

ife In

sura

nce

com

pany

Ltd

MN

YL S

tand

s fo

r M

ax N

ew Y

ork

Life

Insu

ranc

e C

ompa

ny L

td.

AVIV

A St

ands

for

Aviv

a Li

fe In

sura

nce

Com

pany

Ltd

(Com

men

ced

busi

ness

in 2

002-

03)

AMP

S st

ands

for

AMP

Sanm

ar A

ssur

ance

Co.

Ltd

.


3rd

jh

65

da

TAB

LE-1

2B

ALA

NCE

SHEE

T :

ALL

LIF

E IN

SUR

ERS

(Rs.

In

la

kh

s)

Pa

rtic

ula

rsBS

LIIC

ICI-P

RUIN

G V

L.I.C

.HD

FC S

TD L

IFEM

NYL

AMP

SA.

BAJ

AJSB

I-LIF

EO

MKO

TAK

TATA

-AIG

MET

-LIF

EAV

IVA

TOTA

L

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

01-

2002

-20

02-

2001

-03

0203

0203

0203

0203

0203

0203

0203

0203

0203

0203

0203

0203

0302

Sourc

es

of

Fun

ds

Shar

ehol

ders

� Fu

nds:

Shar

e C

apita

l180

00149

08425

00190

00169

39109

21500

500216

73166

18254

74249

63124

36124

36149

08148

72125

00125

00130

66100

58183

35183

35110

00110

00154

80222

811166

111Re

serv

es a

nd S

urpl

us116

75107

8825

15822

207493

3521

6521

6(28

)520

23153

16236

Cre

dit/

[Deb

it] F

air

Valu

e(10

7)(78

)(15

)(11

)9

2(20

1)C

hang

e Ac

coun

tSu

b-t

ota

l180

00149

08423

93190

00169

39109

21121

75112

88215

94166

43254

89249

63132

44126

43198

41148

72124

89125

00182

82152

74183

08183

35115

28110

00154

82245

763182

347Bo

rrow

ings

13377

364373

13059

628509

Polic

yhol

ders

� Fu

nds:

Cre

dit/

[Deb

it] F

air

Valu

e74

171435

304142

1171

436304

216C

hang

e Ac

coun

tPo

licy

Liab

ilitie

s123

7287

32044

13320

809353

272993

86229

39514

14375

2789

6558

2036

25411

3090

341846

6143

6267

9349

3931

451548

9836

273742

11229

60896

Insu

ranc

e Re

serv

es239

360239

429(15

713)

(7822)

(4236)

(1114)

(6576)

(2344)

(2970)

209866

228149

Prov

isio

n Fo

r Li

nked

Lia

bilit

ies

9777

1616

20817

754590

36223

117312

08284

9Su

b-t

ota

l110

14197

7528

61140

74942

430277

10771

234834

47278

9(91

55)(57

86)(35

95)(73

0)309

0341

8466

1436

(3897)

(1995)

3931

568(22

92)68

836277

72973

234966

19Fu

nds

For

Futu

re A

ppro

pria

tions

33

520350

21826

321411

16110

1206

2350

558

Tota

l290

17168

88952

54330

74178

82113

51277

23467

238449

53359

95197

53163

34191

77964

9119

13233

42152

29209

55139

36143

85132

79233

40189

03923

6110

68163

18280

35173

240295

24

Appl

icat

ion

of F

unds

Inve

stm

ents

Shar

ehol

ders

�645

6957

8128

14515

9758

0750

1107

53105

00880

0973

1864

6141

25844

0128

79109

85108

51109

34790

8100

31925

7102

76502

9983

3109

84120

398108

653Po

licyh

olde

rs�

1183

290329

94132

58809

354226

38007

186414

60131

04301

6655

8205

3254

3501

357723

0462

2679

349400

7451

2970

21227

13317

186620

50As

sets

Hel

d To

Cov

er L

inke

d Li

abili

ties

9777

1616

20817

75423

1101

117143

8331

57248

7Lo

ans

1111

370747

4342

6790

6567

148

40370

7598

342690

8Fi

xed

Asse

ts273

8207

4414

2281

9178

9103

7106

319944

50423

4336

8339

1229

2730

694244

8193

9412

141200

1100

3154

1154

3695

106637

131075

111466

Def

erre

d Ta

x As

set (

Net

)102

4102

4102

4102

4C

urre

nt A

sset

sC

ash

And

Bank

Bal

ance

s217

3693

3204

1071

1870

165981

697716

962372

6145

2503

958645

12013

1473

737844

652156

7205

9103

0320

3105

4574

531100

0318

740539

Adva

nces

And

Oth

er A

sset

s116

1905

2101

1196

1166

781161

8183

137579

8163

9993

1761

1309

429129

1551

1295

2067

2301

1588

829215

0147

8648

533577

163501

9138

7547

Sub

-tota

l (A

)333

4159

8530

4226

7303

6946

259988

0209

2760

5365

2445

2264

2267

1075

12142

3024

2032

2911

2953

3155

2888

3180

4681

1702

1107

1108

263533

7212

8086

Cur

rent

Lia

bilit

ies

4537

2675

7091

2740

2151

1558

474077

377682

2946

1495

4522

2024

841919

2729

1647

1205

564132

9100

0300

5128

4113

0258

1292

506853

393846

Prov

isio

ns472

3571

34864

890433

2592

233

233

41

51

7632

2030

4865

693434

61Su

b-t

ota

l (B

)500

9271

0709

1274

0222

2159

2133

8967

421007

3038

1518

4525

2026

873923

2729

1648

1209

565140

5103

2302

5128

4115

9262

1292

137254

5437

307N

et C

urre

nt A

sset

s (C

) = (A

� B

)(16

75)(11

12)(17

87)(47

3)814

(646)

126091

3167

1753

2327

927(22

61)241

201112

19295

384170

1238

8175

0185

6155

3397

543845

(184)

126279

2169

0779

Mis

cella

neou

s Ex

pend

iture

108

237

108

237

(To

The

Exte

nt N

ot W

ritte

n O

ff or

Adj

uste

d)D

ebit

Bala

nce

In P

rofit

&

Loss

Acc

ount

10538

4442

25249

10533

6880

3094

7465

2644

466422

0156

4760

11717

1288

2284

3422

65704

25920

(Sha

reho

lder

s� A

ccou

nt)

Tota

l290

17168

88952

54330

74178

82113

51277

23467

238449

53359

95197

53163

34191

77964

9119

13233

42152

29209

55139

36143

85132

79233

40189

03923

6110

68163

18280

35173

240295

24

Not

e :

loan

s an

d Ad

vanc

es in

clud

eD

efer

red

Tax


3rd

jh

67

da

TABLE - 13

REVENUE ACCOUNT: LIC�S CRAC BUSINESS(Rs. In lakhs)

Particulars 2002-03 2001-02

Premiums earned (Net) 1,122 93

Profit/ Loss on sale/redemption of Investments 89 (12)

Change in Policy Liabilities (1,818) (214)

Others (to be specified) written backs 3 0

Interest, Dividend & Rent � Gross 281 471

TOTAL (A) (324) 339

Claims Incurred (Net) 450 355

Commission 47 2

Operating Expenses related to Insurance Business 69 16

Others-Amortisations,Write offs & Provisions (116) 177

Foreign Taxes

TOTAL (B) 449 550

Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A - B) (773) (211)

APPROPRIATIONS

Transfer to Shareholders� Account (211)

Transfer to Catastrophe Reserve

Transfer to Other Reserves (to be specified)

TOTAL (C ) (773) (211)


3rd

jh

69

da

TABLE - 14

PROFIT & LOSS ACCOUNT : LIC�S CRAC BUSINESS(Rs. In lakhs)

Particulars 2002-03 2001-02

OPERATING PROFIT/(LOSS)

(a) Fire Insurance

(b) Marine Insurance

(c) Miscellaneous Insurance (773) (211)

INCOME FROM INVESTMENTS

(a) Interest, Dividend & Rent � Gross

(b) Profit on sale of investments

Less: Loss on sale of investments

OTHER INCOME (To be specified)

TOTAL (A) (773) (211)

PROVISIONS (Other than taxation)

(a) For diminution in the value of investments

(b) For doubtful debts

(c) Others (to be specified)

OTHER EXPENSES

(a) Expenses other than those related to Insurance Business

(b) Bad debts written off

(c) Others (To be specified)

TOTAL (B)

Profit Before Tax (773) (211)

Provision for Taxation

Profit after Tax (773) (211)

APPROPRIATIONS

(a) Interim dividends paid during the year

(b) Proposed final dividend

(c) Dividend distribution tax

(d) Transfer to any Reserves or Other Accounts (to be specified)

Transfer to General Reserve

Balance of profit/ loss brought forward from last year

Balance carried forward to Balance Sheet (773) (211)


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TABLE - 15

BALANCE SHEET : LIC�S CRAC BUSINESS(Rs. In lakhs)

SOURCES OF FUNDS 2002-03 2001-02

Share Capital

Reserves and Surpluses 36 36

Fair value change account 865 840

Policy Liabilities * 5770 4725

Borrowings

TOTAL 6671 5601

APPLICATION OF FUNDS

Investments 3864 5072

Loans

Fixed Assets

Current Assets

Cash and Bank Balances 2487 10

Advances and Other Assets 406 582

Sub-Total (A) 2893 592

Current Liabilities 86 63

Provisions

Sub-Total (B) 86 63

NET CURRENT ASSETS (C) = (A - B) 2807 529

Miscellaneous Expenditure (to the extent not written off)

Debit balance in Profit and Loss Account

TOTAL 6671 5601

*Include Debit balance in Profit & Loss Account


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0.0 0

20.00

40.00

60.00

80.00

100 .00

120 .00

140 .00

160 .00

Percentage of Operating E xpenses

LIC Private Tota l Ind ustry

Player

Operating Expenses as Percentage of Prem ium

200 1-02

200 2-03

0.0 0

20.00

40.00

60.00

80.00

100 .00

120 .00

140 .00

160 .00

180 .00

Percentage ofCommission and

Operating E xpenses

LIC Private Tota l Ind ustry

Player

Com m iss ion and O perating Expenses as Percentage of Total Prem ium

200 1-02

200 2-03


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TABLE - 16(I)

LIST OF LIFE INSURANCE PRODUCTS AS AT 31.03.2002

Sl. No. Name of the product Insurer

1. Allianz Bajaj Cash Care (Cash Benefit) Allianz Bajaj

2. Allianz Bajaj Life Time Care (All Life)

3. Allianz Bajaj Save Care (Safe Gain)

4. Allianz Bajaj Risk Care

5. Allianz Bajaj Term Care

6. Allianz Bajaj Group Credit Care

7. Allianz Bajaj Group Risk Care

8. Alliaz Bajaj Group EDLIs Care

9. Dhana Shree AMP Sanmar

10. Subha Shree

11. Yuva Shree

12. Nithya Shree

13. Birla Sunlife Insurance Solutions Birla Sunlife

14. Group Superannuation Policy for Canadian High Commission

15. Birla Sunlife Flexi Family Shield Term Plan

16. Birla Sun Life Single Premium Group Term Product

17. Birla Sun Life Special Endowment

18. Birla Sun Life Group Protection Solutions

19. Birla Sun Life Young Scholar

20. Birla Sun Life Group Superannuation Product

21. HDFC Endowment Assurance HDFC Stanlife

22. HDFC Money Back

23. HDFC Development Insurance Plan

24. HDFC Single Premium Whole Life Assurance

25. HDFC Group Term Insurance

26. HDFC Protection Series

27. HDFC Immediate Annuity

28. HDFC Personal Pension Plan

29. HDFC Group Term Assurance


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30. ICICI PRU Forever Life - Regular Premium Deferred Pension ICICI PRU

31. ICICI PRU Forever Life - Single Premium Deferred Pension

32. ICICI PRU Save �n� Protect - Endowment Assurance

33. ICICI PRU Single Premium Bond with Guaranteed Additions

34. ICICI PRU Cashbak - Anticipated Endowment Assurance

35. ICICI PRU Life Guard - Level Term Assurance with Return of Premiums

36. ICICI PRU Life Guard - Single Premium Level Term Assurance

37. Salaam Zindagi - One year Renewable Group Term Cover for Social

Sector

38. Life Time Immediate Pension

39. ICICI PRU - ReAssure

40. ICICI PRU - Assure Invest

41. ICICI PRU Life Link

42. ICICI PRU Life Time

43. ICICI PRU Cash Bak

44. ICICI PRU Save �N� Protect

45. Fulfilling life anticipated whole life Plan ING Vysya

46. Maximising life Money back Plan

47. Reassuring life endowment Plan

48. Securing Life Rural Endowment Plan

49. Generic Group Term Insurance for Social Sector

50. LIC�s Bima Plus - Unit Linked Insurance Policy LIC*

51. Khetihar Mazdoor Bima Yajona

52. Shiksha Sahayog Yojana

53. Bima Nivesh

54. New Bima Nivesh

55. New Jeevan Akshay-1

56. New Bima Kiran

57. Jeevan Anand

58. Bima Nivesh 2002

59. Jeevan Samriddi (New Jeevan Sanchay)

60. 5-Year Renewal & Convertible Term Insurance Plan MAX NYLIFE

61. 20 year Endowment

62. Easy Term



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63. Non Par Whole Life MAX NYLIFE

64. Par Whole Life

65. Group Term Insurance

66. Decreasing Term Product

67. Limited Payment Whole Life Non Participating MetLife

68. Endowment Assurance-Non Participating

69. Money Back-Non Participating

70. OM Endowment Plan (Kotak Endowment Plan) OM Kotak

71. OM Insurance Bond (Kotak Insurance Bond)

72. OM Money Back Plan (Kotak Money Back Plan)

73. Kotak Insurance Bond - New Version

74. Kotak Term Assurance Plan

75. Kotak Term Plan

76. Kotak Gramin Bima Yojana

77. Kotak Credit Term Group Plan

78. Kotak Term Group Plan

79. Kotak Investment Assurance Plan (Kotak Safe Investment Plan)

80. Kotak Endowment Plan

81. Kotak Capital Multiplier Plan

82. Kotak Gratuity Group Plan

83. SBI Life-Sanjeevan SBI Life

84. Sukhjeevan

85. Swarna Ganga (Group Term)

86. SBI Life Scholar

87. Young Sanjeevan

88. SBI Life-Super Suraksha

89. SBI Life-Credit Guard

90. Sukhjeevan Pratham

91. Group Gratuity-cum-Life Cover Scheme

92. Group Regular Premium Mortgage Reducing Term Insurance Plan Tata-AIG

93. Group Single Premium Mortgage Reducing Term Insurance Plan

94. 10 year/20 year/30 year Endowment RB Plan

95. Assure 21 years Money Saver (21 year Triennial Modified Anticipated

Endowment Plan)



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96. Endowment to age 60 (RB) Plan (Assure Golden Years Plan) Tata-AIG

97. Guaranteed Issue 10 Years Endowment Plan Non Participating

(Assure Humrahi)

98. Group Term Life

99. Group Credit Card Term Insurance Protection Plan

100. Assure 10 Years/15 Years/20 Years/25 Years Lifeline Plans -

10/15/20/25 Years Term Plan

101. Assure 15 Years Lifeline (With Return of Premiums) Plan

102. Assure Five Years Lifeline Plan - 5 Yearly Renewable Convertible

Term Plan

103. Assure Lifeline to Age 60 - Term to age 60 Plan

104. Assure One Year Lifeline Plan - Yearly Renewable Convertible

Term Plan

105. Group Regular Premium Personal Loan Reducing Term Insurance Plan

106. Group Single Premium Personal Loan Reducing Term Insurance Plan

107. Assure 5/10 years Plan � SP

108. Single Premium Immediate Annuity Option with return of Premium

109. Tata AIG Comprehensive Superannuation Policy-Defined Benefit

110. Tata AIG Comprehensive Superannuation Policy-Defined Contribution

111. Tata AIG Comprehensive Gratuity Scheme

112. Chayaa (Nirvana)

113. Assure Career Builder

114. The Achiever at 18

115. The Achiever at 21

116. Assure Pay Master (Maha Life)

* The list of products launched in the market by LIC given as on 31st March, 2002 pertains to period afterOctober, 2000



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TABLE - 16(II)

LIST OF LIFE INSURANCE PRODUCTS CLEARED DURING THEFinancial Year 2002-2003

Sl. No. Insurer Name of Product Attached Riders

1. Allianz Bajaj Save Care-Economy-SP Start of Life Benefit

2. Allianz Bajaj Child Care Critical Illness Benefit

3. Invest Gain Diamond Family Income Benefit

4. Invest Gain Gold Hospital Cash Benefit

5. Invest Gain Platinum Increase in Death Coverage

6. Invest Gain Economy Waiver of Premium Benefit

7. AMP Sanmar Group Term Assurance Accidental or sickness total and

permanent disablement rider

8. Jaya Shree Accidental Death and Total and

Permanent Disability Rider

9. Immediate Annuity Term Life Insurance

10. Bhagya Sree

11. AVIVA Life Life Long-Unit Linked Accidental Death and Dismemberment

Benefit

12. Easy Life With Profits Critical illness and Permanent Total

Disability-accelerated cover

13. Easy Life Long-With Profit Hospital Cash Benefits

14. Life Long-With Profit

15. Life Saver-Unit Linked

16. Life Saver-With Profit

17. Life Bond-Unit Linked

18. Life Bond-With Profit

19. Credit Net

20. Credit Plus

21. Group Shield

22. Corporate Life

23. Easy Life Plus-with profit

24. Easy Life Plus-Unit Linked

25. Amar Suraksha

26. Secure Life


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27. AVIVA Life Pension Plus

28. Annuity Plus

29. Pension Plus (Unit Linked)

30. Birla Sunlife BSL Group Gratuity Product Accident Death & Disability Rider

31. Stand Alone Term Product Critical Illness Rider

32. BSL Premium Back Term Plan Term Rider

33. Unit Linked Single Premium Bond

34. BSL Flexi Secure Life Retirement Plan

35. HDFC Stanlife HDFC Bima Bachat Yojana for

Social Sector

36. HDFC Children�s Plan

37. ICICI PRU ICICI PRU Immediate Annuity-Tied Accident and Disability Benefit

Annuity

38. ICICI PRU Life Time Pension-Revised Critical illness cover

39. ICICI PRU Life Link Pension Level term insurance

40. ICICI PRU Regular Premium Deferred Major surgical assistance cover

Pension Plan-Revised

41. ICICI PRU Life Guard (Regular

Premium Term Assurance)

42. ICICI PRU Easy Life-Level Term

Assurance-Direct Marketing

43. ICICI PRU Group Term Insurance

44. ICICI PRU Mitr-Regular Premium

Without Profit Endowment-Rural

45. ICICI PRU Suraksha-Single Premium

Term Assurance-Rural

46. ICICI PRU Suraksha-Regular Premium

Term Assurance-Rural

47. ICICI PRU Group Gratuity

48. ICICI PRU Cash Bak

49. ICICI PRU Save �N� Protect

50. ICICI PRU Group Superannuation

plan

51. ING Vysya Shielding Life Protection Plan(CLCIP) Term Benefit Rider

52. Powering Life Limited Payment Accidental Death Benefit Rider

Endowment Plan



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53. ING Vysya Mastering Life Regular Endowment Accidental Death Disability and

Plan (Reassuring Life Endowment Dismemberment Benefit RiderPlan with Reversionary Bonus)

54. Creating Life Child Protection Plan Waiver of Premium Benefit Rider

55. Surakshit Jeevan Rural Endowment

Plan

56. L I C Bima Nivesh 2003 Term Assurance Rider

57. Bima Nivesh Triple Cover Premium Waiver Benefit

58. Jeevan Rekha Female Critical Illness

59. Term Assurance Plan (Without Congenital Disability Benefit Profit)-Jeevan Anmol

60. Jeevan Samriddi

61. Bima Nivesh 2002

62. Komal Jeevan

63. New Jeevan Akshay-1

64. Bima Plus Plan

65. Mortgage Redemption Plan

66. Group Mortgage Red. Ass. Scheme

67. Jeevan Bharathi

68. MAX NY LIFE Decreasing Term Product Personal Accident Benefit/AccidentalDeath Benefit or Accident Death &Disability (AD&D) Riders

69. Level Term Product Dreaded Disease (Critical Illness) rider

70. Single Premium Bond Waiver of Premium

71. Easy Life Retirement Plan

(Deferred Annuity)

72. Met Life Met Mortgage Protector Accidental Death Benefit

73. Met 100 Plus Term Rider

74. Single Pay-Mortgage Protection Plan Waiver of Premium Benefit

75. Juvenile Money Back-Non Critical Illness Rider - Non participatingParticipating

76. Juvenile Endowment Assurance-Non

Participating

77. Met Endowment Plus(Met Platinum)

78. Met Endowment(Met Gold)



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79. Met Life Met Junior E

80. Met 100 Par

81. Met Group YRT

82. Met Gold (Non Par Endowment)

83. Met Platinum(Non Par Endowment)

84. OM Kotak Kotak Money Back Plan Accidental Death Cover

85. Kotak Children�s Plan Term Cover

86. Kotak Preferred Term Plan Permanent Disability Cover

87. Kotak Endowment Plan Critical Illness Benefit

88. Kotak Insurance Bond-New Version Term Cover

89. Kotak Gratuity Group Plan Waiver of premium Benefit on death of

premium payer (Life Guardian)

90. Kotak Capital Multiplier Plan Waiver of premium Benefit on disability

of Premium Payer

91. Kotak Immediate Plan Kotak Preferred Term Benefit

92. Kotak Retirement Income Plan

with Cover

93. Kotak Investment Assurance Plan

94. SBI Life SBI Life Sudershan Accidental Death rider

95. Sukhjeevan Pratham Total Permanent Disability Benefit

96. Group Gratuity-cum-Life Cover Pure Term Rider

Scheme

97. SBI Life Swadhan (Individual) Increasing Sum Assured Rider

98. SBI Life Long Pensions (Individual)

99. SBI Life Long Pensions (Group)

100. Tata-AIG 10/20/30 years security and growth 5 Year Renewable Term Rider

plans Non Par

101. Chayaa Term to Age 60 Rider

102. Sandhya



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TABLE � 17(I)

MORTALITY RATES OF ASSURED LIVES IN LIC OF INDIA � LIC 94-96 ULTIMATE

Age Mortality Rate Age Mortality Rate

14 0.00071 60 0.0130715 0.00077 61 0.0143916 0.00082 62 0.0159017 0.00087 63 0.0176118 0.00092 64 0.0195219 0.00096 65 0.0216220 0.00100 66 0.0227221 0.00103 67 0.0256222 0.00106 68 0.0288223 0.00109 69 0.0323724 0.00111 70 0.0362925 0.00113 71 0.0406226 0.00115 72 0.0453927 0.00116 73 0.0506428 0.00117 74 0.0564029 0.00117 75 0.0627330 0.00117 76 0.0696631 0.00117 77 0.0772332 0.00120 78 0.0855033 0.00125 79 0.0945234 0.00131 80 0.1043335 0.00139 81 0.1149936 0.00148 82 0.1265537 0.00159 83 0.1390738 0.00172 84 0.1510839 0.00187 85 0.1623040 0.00205 86 0.1741541 0.00225 87 0.1866442 0.00242 88 0.1997843 0.00260 89 0.2135644 0.00283 90 0.2280045 0.00311 91 0.2430746 0.00344 92 0.2587847 0.00382 93 0.2751148 0.00424 94 0.2920349 0.00472 95 0.3095250 0.00524 96 0.3275551 0.00582 97 0.3460752 0.00644 98 0.3650553 0.00712 99 0.3844454 0.0078455 0.0086156 0.0094357 0.0102958 0.0110359 0.01195


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TABLE - 17(II)MORTALITY RATES OF ANNUITANTS IN LIC OF INDIA � LIC A(96-98) ULTIMATE

Age Mortality Rate Life Expectation Age Mortality Rate Life Expectation

20 0.000919 57.45 65 0.013889 17.3321 0.000961 56.50 66 0.015286 16.5622 0.000999 55.56 67 0.017026 15.8123 0.001033 54.61 68 0.019109 15.0824 0.001063 53.67 69 0.021534 14.3625 0.001090 52.72 70 0.024301 13.6726 0.001113 51.78 71 0.027410 12.9927 0.001132 50.84 72 0.030862 12.3528 0.001147 49.89 73 0.034656 11.7229 0.001159 48.95 74 0.038793 11.1330 0.001166 48.01 75 0.043272 10.5631 0.001170 47.06 76 0.048093 10.0132 0.001170 46.12 77 0.053257 9.4933 0.001171 45.17 78 0.058763 9.0034 0.001201 44.22 79 0.064611 8.5335 0.001246 43.28 80 0.070802 8.0836 0.001308 42.33 81 0.077335 7.6637 0.001387 41.38 82 0.084210 7.2638 0.001482 40.44 83 0.091428 6.8839 0.001593 39.50 84 0.098988 6.5240 0.001721 38.56 85 0.106891 6.1941 0.001865 37.63 86 0.115136 5.8742 0.002053 36.70 87 0.123723 5.5643 0.002247 35.77 88 0.132652 5.2844 0.002418 34.85 89 0.141924 5.0145 0.002602 33.93 90 0.151539 4.7646 0.002832 33.02 91 0.161495 4.5247 0.003110 32.11 92 0.171794 4.2948 0.003438 31.21 93 0.182436 4.0749 0.003816 30.32 94 0.193419 3.8750 0.004243 29.43 95 0.204746 3.6851 0.004719 28.56 96 0.216414 3.5052 0.005386 27.69 97 0.228425 3.3353 0.006058 26.84 98 0.240778 3.1754 0.006730 26.00 99 0.253473 3.0155 0.007401 25.17 100 0.266511 2.8656 0.008069 24.35 101 0.279892 2.7257 0.008710 23.55 102 0.293614 2.5958 0.009397 22.75 103 0.307679 2.4659 0.010130 21.96 104 0.322087 2.3360 0.010907 21.18 105 0.336836 2.1961 0.011721 20.41 106 0.351928 2.0562 0.011750 19.64 107 0.367363 1.8963 0.012120 18.87 108 0.383139 1.7064 0.012833 18.10 109 0.399258 1.45

110 0.415720 1.08


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TABLE - 18

APPOINTED ACTUARIES OF LIFE INSURERS(AS AT 31ST MARCH, 2003)

Allianz Bajaj Aiyer Vaidianathan Ganapathy

AMP Sanmar Ramaswamy Soundararajan, FASI

AVIVA Life Kewal Krishan Wadhwa, FASI

BSLIC Peter J. Akers, FASI

HSLIC Nicholas David Taket, FASI

IPLIC V. Rajagopalan, FASI

ING Vysya Achaiyer Venkatasubramanian, FASI

LIC N.S. Sastry, FASI

MNYLIC Rajendra P. Sharma, FASI

MetLife Suresh G. Guhagarkar, FASI

OM Kotak Andrew Cartright, FASI

SBI Life Dr. R. Kannan, FASI

Tata AIG Phuong Ba Chung, FASI

Notes:

LIC : Life Insurance Corporation of India

BSLIC : Birla SunLife Insurance Company Limited

IPLIC : ICICI Prudential Life Insurance Company Limited

MNYLIC : Max New York Life Insurance Company Limited

HSLIC : HDFC Standard Life Insurance Company Limited


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(ii) General Insurance

The year 2002-03 marked the third year of thepresence of private players in the general insuranceindustry, which has over the years been dominatedby the public sector insurance companies. Both theprivate and the public sector players increased thegross premium underwritten by them, with the industrygenerating a premium within the country ofRs.14272.67 crore. The analysis of the businessperformance of the public and private players is givenbelow.

During the year 2002-03, there were 13 players inthe general insurance sector, with CholamandalamMS General Insurance Company Limited and HDFCChubb General Insurance Company Limitedcommencing operations in October, 2002. Thus, theyear witnessed the number of private players increasingfrom six to eight. It was also the first year of ECGCreporting business after its registration with the Authority.It may be mentioned that ECGC has been providingcredit insurance for a number of years, and was anexempted insurer as per the General Insurance Business(Nationalisation) Act, 1972.

As per the audited figures furnished by the insurersfor the year ending 31st March, 2003, the publicsector insurers accounted for 90.60 per cent of thegross direct business underwritten within the country,with the private sector accounting for 9.40 per cent.As against this, the public sector insurers had accountedfor 96.24 per cent of the business underwritten inthe year 2001-02, while the six private sector playershad captured only 3.76 per cent of the business inthe said year. Analysis of the data furnished by thenon-life insurers further reveals that the generalinsurance market in the country grew at a healthyrate of 21.12 per cent. The main driver of the businessgrowth was the miscellaneous insurance segment,which registered a growth rate of 25.35 per cent.The maximum business, to the extent of 70.82 percent was underwritten in this segment. Here too, motorpremium accounted for 40.68 per cent of the market;of which the public sector companies accounted for38.14 per cent and private sector players 2.54 percent. The health insurance market stood at a 7.68

per cent of the overall general insurance premium.A notable achievement in the year under review wasthe health insurance premium crossing the Rs.1000crore mark. It stood at Rs.1095.90 crore recordinga growth rate of 50.10 per cent over the previousyear. The premium in the miscellaneous class ofinsurance business increased byRs. 2044.45 crore, whereas fire business increasedby only Rs. 282.46 crore and marine by Rs.161.42crore. This sharp increase in miscellaneous businesswas mainly due to two reasons, viz., the revision inmotor tariff effected in July, 2002 and increase inmedi-claim premium. In addition, all insurers continuedto focus on personal lines of business. The marineclass of business grew at 15.32 per cent, while thefire class of business increased by 10.59 per cent.Fire and Marine insurance segments constituted 20.67per cent and 8.51 per cent, respectively, of the overallgeneral insurance market in the country.

An analysis of the business mix between the publicand private sector reveals that in case of the former,fire and engineering classes account for 19.43 percent and around 4.5 per cent of the gross directpremium income underwritten in India, whereas incase of private sector, these segments contribute32.63 per cent and approx 7 per cent, respectively.Incidentally, it may be mentioned that these two linesof business are the most profitable business segmentsin the non life insurance industry. On the other hand,motor and health contributed around 41 per centand approx 7.5 per cent of the business underwrittenby the public sector insurers, as against 27 per centand 5.5 per cent, respectively for the private sectorinsurers. The motor and health segments, on accountof the high claims ratio, represent the not so profitablelines of business in the industry.

Public sector insurers:

The premium underwritten by the five public sectorinsurers (inclusive of ECGC) in 2002-03 wasRs.12556.29 crore during the financial year2002-03. This includes the export credit insuranceof Rs. 374.78 crore extended by ECGC. The fourpublic sector insurers (excluding ECGC) accountedfor a growth of 14.25 per cent over the previous


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year. National recorded the maximum growth inpremium, over the previous year, at 21.06 per centfollowed by Oriental at 14.59 per cent. United andNew India recorded 11.79 per cent and 11.64 percent growth, respectively. In terms of the market share,New India led, with a market share of 27.47 percent. The market share of the other three public sectorcompanies was around 20 per cent each. The businesscomposition of the public sector companies followedthe market trend. In terms of lines of business,maximum business was underwritten in the motorsegment. Of the gross premium underwritten by thepublic sector companies, the health insurance businessconstituted around 8 per cent in each of the companies.The engineering segment contributed approx4 per cent of the business underwritten by the publicsector insurers.

Private sector insurers:

The eight private sector insurers underwrote premiumof Rs.1341.60 crore during the financial year2002-03, recording a growth of 187.53 per centover the previous year. All the insurers have exhibitedimpressive growth in the business underwritten bythem. Of the private insurers, Bajaj Allianz GeneralInsurance Company Limited captured 2.07 per centof the total market share followed by Tata-AIG at1.63 per cent, IFFCO-Tokio at 1.37 per cent, ICICI-Lombard at 1.48 per cent, Reliance at 1.30 per centand Royal Sundaram at 1.29 per cent of the marketshare. Cholamanadalam MS and HDFC-Chubb, beingin the first year of their operations, registered a smallpresence in the market. Overall, fire and miscellaneousbusinesses accounted for 32.63 per cent and 61.10 percent of the business underwritten in the private sector,followed by marine at 6.27per cent. Recently, in thefinancial year 2003-04, Cholamandalam joined handswith Mitsui Sumitomo of Japan who became theirforeign joint venture partners holding 26 per centequity in the company. Consequent upon the tie-upbetween two promoters, the name of the insurer waschanged to Cholamandalam MS General InsuranceCompany Limited.

The compilation of the gross direct premium incomein India, net premium income and underwriting

experience & profits of the non-life insurers is placedat Tables 28, 29 and 30(i) and (ii).

Claims experience

The insurance industry had a fairly good year as nomajor catastrophe was reported from any part of thecountry. Overall, the incurred claims ratio for theindustry stood at 78.7 per cent as against the ratioof 89.6 per cent in the previous year. In themiscellaneous class of business, the incurred claimsratio reduced from 106.4 per cent to 87.7 per cent.The decline in the ratio can be attributed to the factthat, while the net premium of the insurers increasedfrom Rs.8853.97 crore to Rs.10566.20 crore, thenet incurred claims reported only a marginal increasefrom Rs.7929.86 crore to Rs.8317.49 crore.

Public Sector Insurers: The overall incurred claims ratiofor the four nationalised insurance companies andECGC stood at 80.20 per cent, as against 90.2 percent in the previous year. National, New India andOriental had incurred claims ratio of around 77 percent, in contrast to which United India had the claimsratio of 91.1per cent. The distribution of incurredclaims ratio across the various segments of businesswas Fire � 48.10 per cent; Marine � 67.2 per cent;and Miscellaneous � 89.6 per cent. The miscellaneoussegment continued to incur the highest claims ratio.

Private Insurers: The private insurers reported anincurred claims ratio of 52 per cent, which is significantlylower than the incurred claims ratio of the publicsector insurers. The claims ratio, in case of fire andmiscellaneous classes of business stood at22 per cent and 56 per cent, respectively. Amongstthe private players, ICICI-Lombard had incurred claimsratio of 40 per cent, IFFCO-Tokio � 41per cent,TATA-AIG � 47per cent, Royal Sundaram 54 per cent,Bajaj Allianz � 59 per cent and Reliance � 99 percent. Cholamandalam MS and HDFC-Chubb, beingnew entrants, had incurred claims ratio of 14 and13 per cent, respectively.

The compilation of incurred claims ratio of thenon-life public and private insurers is placed at Tables31(i) and (ii).


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Commission and operating expenses

The commission and operating expenses of the insurersrelating to insurance business continue to be highand above the statutory limit of around 20 per centas prescribed under the Insurance Rules, 1939. Overall,the industry average for the financial year 2002-03stood at 28.12 per cent of the gross direct premiumwritten in India.

Public Sector Insurers: The ratio of operating expensesto gross direct premium in India for the four publicsector insurers stood at 21.51per cent. This comparesfavourably to the previous financial year�s ratio of22.97 per cent. The total outgo on account ofoperating expenses for the four public sector insurerswas Rs.2766.60 crore as against Rs.2525.78 crorein the year 2001-02, representing a 9.53 per centincrease over the corresponding period in the previousyear. The expenses on account of commission paidincreased to 7 per cent in 2002-03 as against5.65 per cent in the previous year. The outgo underthe head, commissions paid direct for businessunderwritten was Rs.909.46 crore during 2002-03as against Rs.642.28 crore in the year 2001-02. Thistranslates into an increase of 41.60 per cent overthe previous year. The commission and operatingexpenses as a percentage to gross direct premiumwritten in India stood at 28.29 per cent, exhibitingan increase in costs of transacting insurance businesswithin the country.

Private Insurers: The private insurers took steps tobring down their expenses of management, and thesame is reflected in the financial reports submittedby them, in terms of the operating expenses showinga downward trend. The expenses of management forReliance were the least at 14.37 per cent, followedby ICICI Lombard at 20.62 per cent. For the otherprivate sector insurers, the expenses ratio rangedbetween 22 per cent to 30 per cent. The twocompanies which started operations in the year2002-03, Cholamandalam MS and HDFC-Chubb,had high management expense ratios. Overall, theexpenses of management of the new players areexpected to be high, keeping in view their initial startup costs and the relatively narrow premium base.

The outgo on account of commissions and brokeragepaid direct for underwriting business increased fromRs.5.84 crore to Rs.37.35 crore. This was nearly2.78 per cent of the gross direct premium writtenin India. The outgo is also a reflection of thereliance placed by the private sector players, onintermediaries like agents and brokers, to procurebusiness. Overall, the expense ratio for the privateplayers was 26.48 per cent.

Investments

Globally, the general insurance business operates ina competitive environment, as a result of which theinsurers end up with underwriting losses. The Indianmarket is no exception to the rule. All the companiesreported underwriting losses. However, these wereoffset by the investment income. The investment yieldsnot only wiped out the insurers� underwriting losses,but also enabled most of the companies to reportprofits. The gross investment income for the generalinsurance industry (excluding ECGC) stood atRs.2637 crore for the year 2002-03.

Net profit

All the four public sector companies reported netprofits during the financial year 2002-03, with Nationaland Oriental coming out of the red as against theprevious year. The profit after tax for the four publicsector insurers stood at Rs.625.70 crore. The publicsector insurers� contribution to the CentralGovernment�s revenues was Rs.110 crore by way ofdividend, exhibiting an increase of over 100 per centas against the previous year. The total outflow onaccount of dividend by the pubic sector insurers wasRs.50 crore in the financial year 2001-02.

Of the private sector insurers, four companies namely,Bajaj Allianz, IFFCO-Tokio, Reliance and ICICI Lombardhave reported net profits during the financial year2002-03. IFFCO-Tokio, became the first private sectorinsurer in the post liberalised scenario, to declareits maiden dividend of Rs.2 crore to its shareholders.

The performance of the general insurance companiesduring the year 2002-03 was satisfactory. However,in times to come, the profits of the nationalised


3rd

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general insurers may come under pressure. The reasonsfor this are manifold including the increasing competitivepressures; recycling of investment portfolios at loweryields; continuing pricing insufficiency of �Motor ThirdParty� business and the high level of managementexpenses as also the likely increase in businesssourcing costs with the introduction of brokers in theIndian market. It is therefore imperative for the publicsector general insurance companies to improve theirunderwriting practices, control costs and improveclaims management and service standards. On thepositive side, the public sector companies have strongnational franchise and presence, besides soundfinancial position, good solvency, strong equity portfolioand strong re-insurance ties. As regards the privateplayers, their operations are presently at the nascentstage, and these insurers have yet to stabilise theiroperations and to establish their niche markets.However, the private sector insurers are also takingactive steps towards controlling claims costs, improvingservice standards and reducing operating costs. Thesesteps are expected to have a positive impact on theirresults.

The compilation of the Revenue Account, Profit &Loss Account and Balance Sheet of the non-lifeinsurers, public and private sectors separately, areplaced at Tables 19 to 24. The Revenue Account,Profit & Loss Account and Balance Sheet of GIC areplaced at Tables 25 to 27.

During the financial year 2002-03, the non-life insurersintroduced a number of non-tariff products. Insurersalso added products with focus on the small andretail segments of the insurance market as well aspersonal lines of business. This was in line with thedistribution and marketing strategy adopted by theinsurers. The Authority also allowed issuance of policieson first loss basis covering contents of the householdagainst fire group of perils, which is expected to givea boost to the personal lines of insurance. The publicsector companies launched the universal healthinsurance scheme at a nominal premium and carriedout amendments to the overseas mediclaim policy.One of the public sector insurers also came out with

a professional indemnity policy for brokers and yetanother with credit insurance. On the other hand,the private sector players introduced a number ofpackaged products with a focus on personal linecovers. Some of the new covers introduced in theIndian market protect against risks of weather perils,performance guarantee, protection of mutual fundasset, etc. which are specialised in nature. The listsof products introduced by the non-life insurers in theyears 2001-02 and 2002-03 are placed at Tables32(i) and (ii).

International Operations:

The public sector non-life companies have operationsabroad, and are running their operations throughtheir branches or agencies or associates/subsidiarycompanies in thirty countries. The foreign operationsin Hong Kong of United and National have stoppedfrom 1.4.2002 and 18.2.2002, respectively. NewIndia is looking after the run-off portfolio of boththe companies. An actuarial valuation as on 31.3.2003was carried out by an actuary and necessary provisionsfor premium liability and Incurred But Not Reported(IBNR) liability have been provided. The performanceof Kenindia Assurance Company Limited, Kenya andIndia International Insurance Pte. Limited, Singapore,has improved in comparison to the previous financialyear.

The general insurance companies have drawn upvarious strategies to improve insurance penetrationand insurance density. Most of the companies havetied up with banks either in the form of corporateagency or under the referral arrangement for utilisingthe extensive and broad reach which the banksprovide to market insurance products. For thedevelopment of rural business, the insurers are tyingup with State Cooperative Banks, State LevelCooperatives of Cotton growers, Dairy Owners, SugarCooperatives, etc. New need based packaged productsfor rural markets, such as women�s self-help groups,handloom weavers, artisans, tribals, etc are also beingdevised by the insurers.

Motor insurance, which forms about 40 per cent ofthe general insurance market in the country, continuesto be a loss-making portfolio. The Authority received


3rd

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111

a number of representations from various interestgroups regarding implementation of the revised motortariff, which became effective from 1st July, 2002.It was claimed, that the tariff structure notified wasnot being adhered to by the insurers, and thatimplementation of the revised tariff had resulted ina steep hike in the cost of insurance cover in respectof certain categories of the insured. The transportoperators also represented against the non-availabilityof cover in respect of third party liability to propertyand lives. The insurers, on the other hand, put forwardtheir case indicating that it had become extremelydifficult for them to sustain the losses in the motorportfolio. The claims ratio far exceeded the premiumunderwritten in the segment. In fact, the motor portfoliowas being subsidised by other profitable segmentsof the non-life portfolio. Taking note of thesedevelopments, the Authority constituted a Committeeto examine the various aspects of motor underwritingincluding de-tariffing and pooling arrangements. TheCommittee was constituted under the Chairmanshipof Justice T.N.C. Rangarajan, a retired Judge of theAndhra Pradesh High Court.

The Rangarajan Committee, while submitting its reportin March, 2003 made the following recommendations:

1. Quarantine Third Party (TP) Liability insurancebusiness and its underwriting in insurancecompanies� books.

2. Seek a review of the Statutory Liability for ThirdParty liability for motor vehicle accidents. TheGovernment of India could be requested toconsider this recommendation.

3. Set up an independent data bank under the TAC,mandate insurance companies to supply data tothe bank, and draw on the data bank to justifyproposed tariffs.

4. De-tariff the Own Damage segment of motorportfolio under a competitive premium-settingmodel based on a file and use procedure witha time schedule for change over.

The findings of the Report were discussed at a meetingof the Authority with the Chief Executives of the generalinsurance companies held at Hyderabad inMay, 2003. At the meeting, it was unanimously agreedto usher in, effective 1st April, 2005, a system offree pricing on the own damage portion of the motorliability. With a view to drawing up the road mapfor moving towards the de-tariffed market in thisregard, the Authority soon thereafter constituted aCommittee under the Chairmanship of Mr. S.V. Mony.The Committee is to consider the various alternativesavailable to prepare the road map for free marketavailability of the products, and to suggest the measureswhich need to be taken in this regard, including theadoption of differential tariffing. The Committee isto make its recommendations to the Tariff AdvisoryCommittee (TAC) on the de-tariffing of Motor ODin a time bound manner by devising the parameters,undertaking necessary studies, making cross countrycomparison on the market practices prevalent abroadand on consulting the actuaries while taking up thisexercise.

Re-insurance:

The General Insurance Corporation (GIC), in its newlyassigned role as the re-insurer to the Indian insurancemarket, offered support to the Indian direct insurersand developed a vertical capacity to cover risk uptoRs.1500 crore PML. The net premium from Indianbusiness rose from Rs.2199.63 crore in 2001-02 toRs.2817.32 crore in 2002-03, i.e., a rise of 28.1 percent. The net claims outgo declined from Rs.1989.82crore in the previous year to Rs.1891.93 crore in2002-03, reflecting the catastrophe free year.

The Indian inward aviation premium increased fromRs.64.91 crore in the previous year to Rs.91.66 crorein the year 2002-03. Similarly, the foreign inwardaviation premium of GIC increased from Rs.20.80crore to Rs.81.51 crore indicating a very sharpincrease in the foreign inward business, of over fourtimes. The net premium on account, after retrocessionwas Rs.71.67 crore as against Rs.17.32 crore in the


3rd

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113

previous year. The net claims were Rs.71.77 croreas compared to Rs.12.53 crore in the previous year,exhibiting a sharp rise in the net claims.

The net foreign inward premium rose sharply duringthe year to Rs.645.63 crore as against Rs.159.14crore in the previous year. The GIC took this as anopportunity to write more premium in this categoryfollowing withdrawal of many re-insurers from thereinsurance market in the aftermath of the September,11 event. The net incurred claims during the yearincreased to Rs.423.04 crore from Rs.162.42 croreduring the previous year, viz., a rise of about 160per cent. It is pertinent to note that in case of foreignbusiness, claims build up over a period of time.

GIC is tapping opportunities in the Indian life marketand has consequently established a separate deskwith a view to developing relationships with old andnew players. LIC has, to begin with, started offering10 per cent obligatory cessions on all its policiesin favour of GIC.

The total investment of GIC as at 31st March, 2003stood at Rs.8622.98 crore as against Rs.7948.71crore as at year ended 2001-02. However, theinvestment income decreased to Rs.949.88 crore fromRs.961.80 crore in the year 2001-02, giving a meanyield of 12 per cent as against 14.2 per cent inthe previous year. The reasons for the decrease inthe yields can be attributed to the decline in interestrates of 300 basis points during the year. As a result,incremental investments made during the year wereat the prevailing lower interest rates. In addition, therewere limited opportunities available for investmentsin rated papers, the yields on which were alsocomparatively lower. The GIC earned a profit aftertax of Rs.261.46 crore during the year 2002-03 asagainst Rs.306.70 crore during the previous year.GIC�s contribution to the Central Government treasury,through distribution of dividend for the year2002-03 was Rs.47.30 crore.

Performance during the first half of2003-04:

In the non-life segment, the gross premium underwrittenduring the first six months of the current financialyear was Rs.8081.06 crore, i.e., a growth of 12.71per cent over the premium income of Rs.7169.88crore for the corresponding period of the previousyear. The public sector insurers underwrote premiumof Rs.6973.78 crore recording a growth of 6.03 percent over the corresponding period in the year2002-03. Of the public sector players, the maximumgrowth was recorded by ECGC at 26.98 per cent,followed by National at 16.76 per cent. The otherthree public sector insurers recorded growth in therange of 1.16 and 3.62 per cent. As against this,the private insurers underwrote premium of Rs.1107.27crore, viz., a growth of 86.72 per cent over thecorresponding period in the previous year. The growthpattern of the insurers in the private sector showedwide variation. While ICICI Lombard recorded growthof over 222 per cent, in the case of Reliance, therewas a decline of 6.02 per cent in the premiumunderwritten, as against the corresponding period inthe year 2002-03. In the case of the other privateplayers, the growth ranged between 48 per cent and67 per cent. It may be mentioned that HDFC Chubband Cholamandalam MS had commenced operationsonly in the second half of the financial year 2002-03.

In terms of market share of the non-life insurers, thepublic sector insurers accounted for 86.72 per centof the business underwritten, with the eight privateinsurers accounting for the rest 13.28 per cent. Ofthe public sector insurers, New India accounted for24.09 per cent, while Oriental contributed to theextent of 18.62 per cent, with National and Unitedaccounting for around 20 per cent each. Of theprivate insurers, market share of 2.91 per cent washeld by ICICI Lombard, with Bajaj Allianz, TATA-AIGand IFFCO-Tokio close behind at 2.70 per cent, 2.40per cent and 2.08 per cent, respectively. The shareof the other insurers ranged between 0.44 and 1.64per cent.


3rd

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115

TAB

LE -

19

REV

ENU

E A

CCO

UN

T :

PU

BLI

C S

ECTO

R N

ON

-LIF

E IN

SUR

ERS

(Rs.

in

La

kh

s)

PAR

TIC

ULA

RS

NEW

IN

DIA

OR

IEN

TAL

20

02

-03

20

01

-02

20

02

-03

20

01

-02

Fire

Ma

rin

eM

isc

Tota

lFi

reM

ari

ne

Mis

cTo

tal

Fire

Ma

rin

eM

isc

Tota

lFi

reM

ari

ne

Mis

cTo

tal

Prem

ium

s ea

rned

(N

et)

79

,02

72

1,0

09

22

9,6

79

32

9,7

15

67,9

2418

,812

199,

151

285,

887

36

,03

01

2,8

91

13

6,6

56

18

5,5

77

39,2

8217

,921

124,

869

182,

072

Prof

it/ L

oss

on s

ale/

rede

mpt

ion

1,5

25

73

97

,56

59

,82

955

126

42,

521

3,33

69

93

40

25

,82

27

,21

733

616

71,

671

2,17

4of

In

vestm

ents

Oth

ers

(to b

e sp

ecifi

ed)

62

46

74

182

(30)

(30)

Inte

rest,

Div

iden

d &

Ren

t � G

ross

6,8

37

3,3

16

33

,90

84

4,0

61

7,82

73,

751

35,8

3447

,413

4,5

51

1,8

45

26

,68

03

3,0

76

4,86

22,

421

24,1

8531

,468

TOTA

L (A

)8

7,3

89

25

,06

42

71

,15

23

83

,60

57

6,3

02

22

,82

82

37

,50

63

36

,63

64

1,6

36

15

,18

41

69

,23

22

26

,05

24

4,4

50

20

,50

91

50

,72

52

15

,68

4

Cla

ims

Incu

rred

(Net

)4

6,7

37

11

,69

02

11

,52

32

69

,95

037

,177

13,1

3420

5,20

325

5,51

41

2,5

52

8,4

31

12

5,6

71

14

6,6

54

19,2

757,

427

156,

089

182,

791

Com

miss

ion

3,3

41

(1,0

40

)1

7,0

13

19

,31

485

0(1

,034

)8,

167

7,98

2(2

,57

3)

(71

5)

2,0

77

(1,2

11

)(1

,895

)(4

65)

24(2

,337

)

Ope

ratin

g Ex

pens

es r

elat

ed to

24

,56

15

,32

25

9,1

79

89

,06

221

,397

5,13

848

,902

75,4

371

3,4

45

4,4

14

47

,40

06

5,2

59

14,5

414,

118

42,2

4460

,903

Insu

ranc

e Bu

sines

s

Oth

ers-

Amor

tisat

ions

, Writ

e of

fs &

Prov

ision

s1

,12

95

47

5,5

97

7,2

73

1,02

749

24,

705

6,22

4

Fore

ign

Taxe

s8

38

32

34

14

569

261

327

TOTA

L (

B)

75

,85

11

6,5

27

29

3,6

35

38

6,0

13

60

,50

71

7,7

39

26

7,2

38

34

5,4

84

23

,42

41

2,1

30

17

5,1

48

21

0,7

02

31

,92

11

1,0

80

19

8,3

57

24

1,3

58

Op

era

tin

g P

rofi

t (L

oss)

11

,53

88

,53

7(2

2,4

83

)(2

,40

8)

15

,79

55

,08

9(2

9,7

32

)(8

,84

8)

18

,21

23

,05

4(5

,91

6)

15

,35

01

2,5

29

9,4

29

(47

,63

2)

(25

,67

4)

from

Fir

e/M

ari

ne/

Mis

cella

neo

us B

usin

ess

C= (

A -

B)

AP

PR

OP

RIA

TIO

NS

Tran

sfer

to S

hare

hold

ers'

Acco

unt

11

,53

88

,53

7(2

2,4

83

)(2

,40

8)

15,7

955,

089

(29,

732)

(8,8

48)

18

,21

23

,05

4(5

,91

6)

15

,35

012

,529

9,42

9(4

7,63

2)(2

5,67

4)

Tran

sfer

to C

atas

troph

e Re

serv

e

Tran

sfer

to O

ther

Res

erve

s(to

be

spec

ified

)

TOTA

L (C

)1

1,5

38

8,5

37

(22

,48

3)

(2,4

08

)1

5,7

95

5,0

89

(29

,73

2)

(8,8

48

)1

8,2

12

3,0

54

(5,9

16

)1

5,3

50

12

,52

99

,42

9(4

7,6

32

)(2

5,6

74

)

Con

td...


3rd

jh

117

Con

td...

REV

ENU

E A

CCO

UN

T :

PU

BLI

C S

ECTO

R N

ON

-LIF

E IN

SUR

ERS

(Rs.

in

La

kh

s)

PAR

TIC

ULA

RS

UN

ITED

NA

TIO

NA

LTO

TAL

2002

-03

2001

-02

2002

-03

2001

-02

2002

-03

2001

-02

Fire

Mar

ine

Misc

Tota

lFi

reM

arin

eM

iscTo

tal

Fire

Mar

ine

Misc

Tota

lFi

reM

arin

eM

iscTo

tal

Premi

ums e

arne

d (N

et)45

,280

18,0

5014

7,60

821

0,93

844

,630

14,2

7813

8,37

219

7,28

036

,010

13,2

8114

7,30

519

6,59

636

,655

14,9

1213

0,13

118

1,69

892

2,82

684

6,93

7

Profit/

Loss

on sa

le/re

demp

tion

1,65

482

110

,178

12,6

5387

854

05,

129

6,54

792

958

56,

080

7,59

420

013

61,

101

1,43

737

,293

13,4

94of

Inv

estm

ents

Othe

rs (to

be

spec

ified)

7136

249

356

(7)

4780

484

432

(11)

(140

)(1

19)

726

327

023

71,

114

Inter

est,

Divid

end

& Re

nt �

Gro

ss4,

982

2,47

330

,652

38,1

075,

515

3,39

332

,205

41,1

133,

606

2,27

023

,600

29,4

764,

256

2,90

523

,399

30,5

6014

4,72

015

0,55

4

TOTA

L (A

)51

,987

21,3

8018

8,68

726

2,05

451

,016

18,2

5817

6,51

024

5,78

440

,577

16,1

2517

6,84

523

3,54

741

,111

17,9

6015

4,89

421

3,96

51,

105,

258

1,01

2,06

9

Claim

s Inc

urre

d (N

et)20

,030

9,97

016

0,54

519

0,54

517

,560

8,16

415

2,35

717

8,08

113

,326

10,5

6313

8,07

716

1,96

619

,236

7,80

914

5,46

517

2,51

076

9,11

578

8,89

6

Comm

ission

(3,4

51)

(1,4

62)

2,98

2(1

,931

)(3

,745

)(1

,529

)3,

521

(1,7

53)

(2,0

85)

(699

)7,

319

4,53

5(1

,765

)(6

51)

1,40

3(1

,013

)20

,707

2,88

0

Ope

ratin

g Ex

pens

es re

lated

to14

,262

5,49

042

,487

62,2

3914

,874

4,13

638

,777

57,7

8711

,531

3,59

944

,969

60,0

9912

,647

3,82

939

,958

56,4

3427

6,65

925

0,56

1Ins

uran

ce B

usine

ss

Othe

rs -

Amor

tisati

ons,

Write

offs

& Pro

vision

s60

830

23,

742

4,65

21,

141

703

6,66

48,

508

3737

11,9

2514

,769

Fore

ign Ta

xes

414

327

TOTA

L (B

)31

,449

14,3

0020

9,75

625

5,50

529

,830

11,4

7420

1,31

924

2,62

322

,772

13,4

6319

0,36

522

6,60

030

,155

10,9

8718

6,82

622

7,96

81,

078,

820

1,05

7,43

2

Ope

ratin

g Pr

ofit/

(Los

s)20

,538

7,08

0(2

1,06

9)6,

549

21,1

866,

784

(24,

809)

3,16

117

,805

2,66

2(1

3,52

0)6,

947

10,9

566,

973

(31,

932)

(14,

003)

26,4

38(4

5,36

3)

from

Fire

/Mar

ine/

Misc

ella

neou

s

Busin

ess C

= (A

- B)

APPR

OPR

IATI

ON

S

Trans

fer to

Sha

reho

lders�

Acc

ount

20,5

387,

080

(21,

069)

6,54

921

,186

6,78

4(2

4,80

9)3,

161

17,8

052,

662

(13,

520)

6,94

710

,956

6,97

3(3

1,93

2)(1

4,00

3)26

,438

(45,

363)

Trans

fer to

Cata

strop

he R

eser

veTra

nsfer

to O

ther R

eser

ves

(to b

e sp

ecifie

d)

TOTA

L (C

)20

,538

7,08

0(2

1,06

9)6,

549

21,1

866,

784

(24,

809)

3,16

117

,805

2,66

2(1

3,52

0)6,

947

10,9

566,

973

(31,

932)

(14,

003)

26,4

38(4

5,36

3)


3rd

jh

119

TAB

LE -

20

PR

OFI

T A

ND

LO

SS A

CCO

UN

T :

PU

BLI

C S

ECTO

R N

ON

-LIF

E IN

SUR

ERS

(Rs.

in

La

kh

s)

PAR

TICU

LAR

SN

EW I

ND

IAO

RIE

NTA

LU

NIT

ED I

ND

IAN

ATI

ON

AL

TOTA

L

20

02

-03

20

01

-02

20

02

-03

20

01

-02

20

02

-03

20

01

-02

20

02

-03

20

01

-02

20

02

-03

20

01

-02

OP

ERA

TIN

G P

RO

FIT/

(LO

SS)

(a)

Fire

Insu

ranc

e11,5

38

15,7

9518,2

12

12,5

2920,5

38

21,1

8617,8

05

10,9

5668,0

93

60,4

66(b

) M

arin

e In

sura

nce

8,5

37

5,08

93,0

54

9,42

97,0

80

6,78

42,6

62

6,97

321,3

33

28,2

75(c

) M

isce

llane

ous

Insu

ranc

e(2

2,4

83)

(29,

732)

(5,9

16)

(47,

632)

(21,0

69)

(24,

809)

(13,5

20)

(31,

932)

(62,9

88)

(134

,104

)(2

,408)

(8,8

48)

15,3

50

(25,

674)

6,5

49

3,16

16,9

47

(14,

003)

26,4

38

(45,

363)

INCO

ME

FRO

M I

NV

ESTM

ENTS

(a) I

nter

est,

Div

iden

d &

Rent

� G

ross

27,9

74

32,6

696,4

58

9,46

512,2

65

12,7

429,1

58

11,4

4855,8

55

66,3

24(b

) Pro

fit o

n sa

le o

f inv

estm

ents

6,2

41

2,29

81,4

10

654

4,1

73

2,11

82,3

69

549

14,1

93

5,61

9Le

ss: L

oss

on s

ale

of in

vest

men

ts(1

00)

(89)

(9)

(16)

(109)

(105

)

OTH

ER I

NCO

ME

(To

be s

peci

fied)

2,1

90

916

36

852

526

374

89

766

93,4

81

2,48

4

TOTA

L (A

)33,9

97

27,0

35

23,5

86

(15,0

30)

22,9

13

18,3

06

19,3

62

(1,3

53)

99,8

58

28,9

59

PR

OV

ISIO

NS

(Oth

er th

an ta

xatio

n)(a

) Fo

r dim

inut

ion

in th

e va

lue

of in

vest

men

ts1,6

18

2,11

47

42

1,18

6(4

6)

433

2,7

91

3,17

15,1

05

6,90

4(b

) Fo

r dou

btfu

l deb

ts2,3

63

1,59

62,9

54

2,73

95

68

877

55

959

96,4

44

5,81

1(c

) O

ther

s (to

be

spec

ified

)6

37

579

2,2

98

4,52

92,9

35

5,10

8

OTH

ER E

XP

ENSE

S(a

) Ex

pens

es o

ther

than

thos

e re

late

d to

24

2865

534

89

562

I

nsur

ance

Bus

ines

s(b

) Ba

d de

bts w

ritte

n of

f2,0

05

3,73

82,0

05

3,73

8(c

) O

ther

s (To

be

spec

ified

)(1

,904)

1,92

63

29

51

1,29

9(9

50)

3,22

7

TOTA

L (B

)2,7

14

6,2

15

5,9

97

8,4

56

1,4

97

2,6

37

5,4

20

8,0

42

15,6

28

25,3

50

Prof

it Be

fore

Tax

31,2

83

20,8

2017,5

89

(23,

486)

21,4

16

15,6

6913,9

42

(9,3

95)

84,2

30

3,60

9Pr

ovis

ion

for

Taxa

tion

5,7

02

6,62

011,1

90

(1,9

58)

4,3

17

330

45

1(3

50)

21,6

60

4,64

2

Pro

fit

aft

er T

ax

25,5

81

14,2

00

6,3

99

(25,4

44)

17,0

99

15,3

39

13,4

91

(9,0

45)

62,5

70

(4,9

49)

AP

PR

OP

RIA

TIO

NS

(a)

Inte

rim d

ivid

ends

pai

d du

ring

the

year

(b)

Prop

osed

fina

l div

iden

d4,0

00

2,00

02,0

00

2,5

00

3,00

02,5

00

11,0

00

5,00

0(c

) D

ivid

end

dist

ribut

ion

tax

51

22

56

32

03

20

1,4

08

(d)

Tran

sfer

to a

ny R

eser

ves

or(8

11)

(811

)(d

) O

ther

Acc

ount

s (to

be

spec

ified

)

Tra

nsf

er

to G

en

era

l Rese

rve

21,0

69

12,2

0014,2

79

12,3

3910,6

71

(9,0

45)

46,0

19

15,4

94

Ba

lan

ce o

f P

rofi

t /

Loss

B/f

fro

m l

ast

yea

r

Ba

lan

ce C

/f t

o B

ala

nce

Sh

eet

4,1

43

(24,6

33)

4,1

43

(24,6

33)


3rd

jh

121

TAB

LE -

21

BA

LAN

CE

SHEE

T :

PU

BLI

C S

ECTO

R N

ON

-LIF

E IN

SUR

ERS

PAR

TICU

LAR

SN

EW I

ND

IAO

RIE

NTA

LU

NIT

ED I

ND

IAN

ATI

ON

AL

TOTA

L

2002-0

32001-0

22002-0

32001-0

22002-0

32001-0

22002-0

32001-0

22002-0

320

01-0

2

SOU

RCES

OF

FUN

DS

Shar

e C

apita

l10

,000

10,0

0010

,000

10,0

0010

,000

10,0

0010

,000

10,0

0040

,000

40,0

00

Rese

rves

& S

urpl

us33

0,40

630

8,94

573

,391

57,2

7913

4,60

312

0,32

597

,217

86,3

9263

5,61

757

2,94

1

Fair

Valu

e C

hang

e Ac

coun

t23

0,17

627

3,04

614

1,01

517

5,59

995

,715

120,

236

143,

602

178,

438

610,

508

747,

319

Borr

owin

gs

TOTA

L57

0,58

259

1,99

122

4,40

624

2,87

824

0,31

825

0,56

125

0,81

927

4,83

01,

286,

125

1,36

0,26

0

AP

PLI

CA

TIO

N O

F FU

ND

S

Inve

stm

ents

884,

837

869,

256

465,

438

470,

843

550,

332

519,

720

434,

372

444,

680

2,33

4,97

92,

304,

499

Loan

s96

,733

101,

344

51,4

9053

,537

74,3

5775

,568

49,9

5752

,924

272,

537

283,

373

Fixe

d As

sets

10,9

2610

,727

5,93

45,

686

7,59

27,

650

7,19

86,

819

31,6

5030

,882

CU

RR

ENT

ASS

ETS

Cas

h &

Bank

Bal

ance

158,

746

115,

286

64,7

4954

,272

53,4

6449

,583

98,1

6868

,248

375,

127

287,

389

Adva

nces

and

Oth

er A

sset

s14

2,70

312

7,00

257

,962

59,6

7784

,049

100,

199

63,6

1171

,504

348,

325

358,

382

Sub

-Tota

l (A

)30

1,44

924

2,28

812

2,71

111

3,94

913

7,51

314

9,78

216

1,77

913

9,75

272

3,45

264

5,77

1

CU

RR

ENT

LIA

BIL

ITIE

S50

5,80

944

8,30

430

2,07

729

3,08

939

9,96

837

0,99

927

2,97

126

2,02

91,

480,

825

1,37

4,42

1

Prov

isio

ns22

2,08

418

3,32

012

1,47

610

8,04

813

2,05

613

1,16

012

9,97

810

7,31

660

5,59

452

9,84

4

Sub

-Tota

l (B

)72

7,89

363

1,62

442

3,55

340

1,13

753

2,02

450

2,15

940

2,94

936

9,34

52,

086,

419

1,90

4,26

5

Net

Cur

rent

Ass

ets

(C)=

(A-B

)(4

26,4

44)

(389

,336

)(3

00,8

42)

(287

,188

)(3

94,5

11)

(352

,377

)(2

41,1

70)

(229

,593

)(1

,362

,967

)(1

,258

,494

)

Mis

cella

neou

s Ex

pend

iture

(to

the

exte

nt

not w

ritte

n of

f or

adju

sted

)2,

380

2,38

62,

548

7,31

4

Def

erre

d Ta

x as

sets

2,15

046

22,

612

Prof

it &

Los

s Ac

coun

t (D

ebit

Bala

nce)

TOTA

L57

0,58

259

1,99

122

4,40

624

2,87

824

0,31

825

0,56

125

0,81

927

4,83

01,

286,

125

1,36

0,26

0

(Rs.

in

La

kh

s)

TAB

LE -

22

REV

ENU

E A

CCO

UN

T: P

RIV

ATE

SEC

TOR

NO

N-L

IFE

INSU

RER

SPA

RTI

CU

LAR

SRO

YAL

SUN

DA

RA

MB

AJA

J A

LLIA

NZ

2002-0

32001-0

22002-0

32001-0

2

Fire

Ma

rin

eM

isc.

Tota

lFi

reM

ari

ne

Mis

c.To

tal

Fire

Ma

rin

eM

iscl

.To

tal

Fire

Ma

rin

eM

iscl

.To

tal

Prem

ium

s ea

rned

(Net

)864

436

6349

7649

6718

1223

1308

974

216

14220

15410

6815

899

982

Prof

it/ L

oss

on s

ale/

rede

mpt

ion

27

14

226

267

11

1214

31

4118

153

101

4152

of I

nves

tmen

ts

Oth

ers

(to b

e sp

ecifi

ed)

19

273

94

1515

Inte

rest

, Div

iden

d &

Ren

t � G

ross

47

25

392

464

135

112

130

202

25

761

988

231

9311

7

TOTA

L (A

)938

475

6967

8380

81

23

1347

1451

1226

247

15172

16645

101

17

1048

1165

Cla

ims

Incu

rred

(Net

)287

403

5169

5859

6349

1051

1163

276

146

10245

10667

103

1711

5312

73

Com

mis

sion

(925)

(94)

(328)

(1347)

(366

)(1

1)(2

39)

(615

)(1

313)

(85)

(151)

(1549)

(663

)(2

2)(5

95)

(128

0)

Ope

ratin

g Ex

pens

es r

elat

ed to

968

317

4250

5535

876

136

3189

4200

1066

112

5489

6667

424

1932

7037

13In

sura

nce

Busi

ness

Prem

ium

Def

icie

ncy

54

54

TOTA

L (

B)

330

626

9091

10047

573

174

4001

4749

29

173

15637

15839

(136)

14

3828

3706

Ope

ratin

g Pr

ofit/

(Los

s)608

(151)

(2124)

(1667)

(493

)(1

51)

(265

4)(3

298)

1197

74

(465)

806

237

2(2

780)

(254

0)fro

m F

ire/M

arin

e/M

isce

llane

ous

Busi

ness

C=

(A -

B)

AP

PR

OP

RIA

TIO

NS

Tran

sfer

to S

hare

hold

ers'

Acco

unt

608

(151)

(2124)

(1667)

(493

)(1

51)

(265

4)(3

298)

1197

74

(465)

806

237

2(2

780)

(254

0)

Tran

sfer

to C

atas

troph

e Re

serv

e

Tran

sfer

to O

ther

Res

erve

s(to

be

spec

ified

)

TOTA

L (C

)608

(151)

(2124)

(1667)

(493)

(151)

(2654)

(3298)

1197

74

(465)

806

237

2(2

780)

(2540)

(Rs.

in

La

kh

s)

Con

td ..

.

PAR

TICU

LAR

STA

TA -

AIG

REL

IAN

CE

2002-0

32001-0

22002-0

32001-0

2

Fire

Ma

rin

eM

isc.

Tota

lFi

reM

ari

ne

Mis

c.To

tal

Fire

Ma

rin

eM

iscl

.To

tal

Fire

Ma

rin

eM

iscl

.To

tal

Prem

ium

s ea

rned

(Net

)346

798

7144

8288

(46)

184

1129

1267

268

92

572

932

3914

6912

1

Prof

it/ L

oss

on s

ale/

rede

mpt

ion

13

16

20

91

15

200

306

of I

nves

tmen

ts

Oth

ers

(to b

e sp

ecifi

ed)

(6)

(20)

(115)

(141)

19

19

Inte

rest

, Div

iden

d &

Ren

t � G

ross

30

89

524

643

163

26

356

545

562

3795

TOTA

L (A

)371

870

7569

8810

(46)

184

1129

1267

522

133

1147

1802

9516

106

217

Cla

ims

Incu

rred

(Net

)122

1101

4783

6006

2312

287

510

20544

140

1233

1917

2944

8716

1

Com

mis

sion

(1034)

(165)

276

(923)

(430

)(7

8)(1

41)

(649

)(1

880)

(59)

(922)

(2861)

(697

)(1

3)(1

04)

(814

)

Ope

ratin

g Ex

pens

es r

elat

ed to

265

575

4805

5645

237

526

3817

4579

927

182

1559

2668

859

3356

014

51In

sura

nce

Busi

ness

Prem

ium

Def

icie

ncy

TOTA

L (

B)

(647)

1511

9864

10728

(170

)56

945

5149

50(4

09)

263

1870

1724

191

6454

379

8

Ope

ratin

g Pr

ofit/

(Los

s)1018

(641)

(2295)

(1918)

124

(386

)(3

422)

(368

3)931

(130)

(723)

78

(96)

(48)

(437

)(5

81)

from

Fire

/Mar

ine/

Mis

cella

neou

sBu

sine

ss C

= (A

- B

)

AP

PR

OP

RIA

TIO

NS

Tran

sfer

to S

hare

hold

ers'

Acco

unt

1018

(641)

(2295)

(1918)

124

(386

)(3

422)

(368

3)931

(130)

(723)

78

(96)

(48)

(437

)(5

81)

Tran

sfer

to C

atas

troph

e Re

serv

e

Tran

sfer

to O

ther

Res

erve

s(to

be

spec

ified

)

TOTA

L (C

)1018

(641)

(2295)

(1918)

124

(386

)(3

422)

(368

3)931

(130)

(723)

78

(96)

(48)

(437

)(5

81)

(Rs.

in

La

kh

s)

Con

td...

Con

td ..

.

PAR

TICU

LAR

SIF

FCO

- T

OK

IOIC

ICI

- LO

MB

AR

D

2002-0

32001-0

22002-0

32001-0

2

Fire

Ma

rin

eM

isc.

Tota

lFi

reM

ari

ne

Mis

c.To

tal

Fire

Ma

rin

eM

iscl

.To

tal

Fire

Ma

rin

eM

iscl

.To

tal

Prem

ium

s ea

rned

(Net

)967

366

2617

3950

942

279

374

744

169

1810

2723

2115

121

141

Prof

it/ L

oss

on s

ale/

rede

mpt

ion

23

450

77

1of

Inv

estm

ents

Oth

ers

(to b

e sp

ecifi

ed)

114

15

Inte

rest

, Div

iden

d &

Ren

t � G

ross

52

56

189

297

183

3858

75

14

162

251

31

3842

TOTA

L (A

)1019

422

2806

4247

112

531

743

3842

188

2036

3066

2416

160

184

Cla

ims

Incu

rred

(Net

)293

450

2106

2849

3637

355

428

151

197

1435

1783

1210

166

179

Com

mis

sion

(2599)

(141)

(707)

(3447)

(102

7)(5

1)(4

59)

(153

7)(1

426)

(37)

(258)

(1721)

(316

)(8

8)(4

04)

Ope

ratin

g Ex

pens

es r

elat

ed to

2363

419

2086

4868

1210

112

1043

2365

2588

172

1434

4194

333

867

1200

Insu

ranc

e Bu

sine

ss

Prem

ium

Def

icie

ncy

30

(515)

(485)

515

515

TOTA

L (

B)

57

728

3485

4270

220

9793

912

561313

362

2096

3771

2914

6114

90

Ope

ratin

g Pr

ofit/

(Los

s)962

(306)

(679)

(23)

(108

)(9

2)(6

22)

(823

)(4

71)

(174)

(60)

(705)

(6)

(130

1)(1

307)

from

Fire

/Mar

ine/

Mis

cella

neou

sBu

sine

ss C

= (A

- B

)

AP

PR

OP

RIA

TIO

NS

Tran

sfer

to S

hare

hold

ers'

Acco

unt

962

(306)

(679)

(23)

(108

)(9

2)(6

22)

(823

)(4

71)

(174)

(60)

(705)

(6)

(130

1)(1

307)

Tran

sfer

to C

atas

troph

e Re

serv

e

Tran

sfer

to O

ther

Res

erve

s(to

be

spec

ified

)

TOTA

L (C

)962

(306)

(679)

(23)

(108

)(9

2)(6

22)

(823

)(4

71)

(174)

(60)

(705)

(6)

(130

1)(1

307)

(Rs.

in

La

kh

s)

Con

td ..

.

Con

td...


3rd

jh

129

PAR

TICU

LAR

SCH

OLA

MA

ND

ALA

M

MS

HD

FC

CH

UB

BTO

TAL

2002-0

32002-0

3

Fire

Ma

rin

eM

isc.

Tota

lFi

reM

ari

ne

Mis

c.To

tal

2002-0

32001-0

2

Prem

ium

s ea

rned

(Net

)12

494

110

42

42

39104

4193

Prof

it/ L

oss

on s

ale/

rede

mpt

ion

31

31

35

11

859

66of

Inv

estm

ents

Oth

ers

(to b

e sp

ecifi

ed)

(2)

(2)

(15)

15

Inte

rest

, Div

iden

d &

Ren

t � G

ross

16

712

12

3207

442

TOTA

L (A

)16

5131

152

53

53

43155

4716

Cla

ims

Incu

rred

62

62

88

88

2923

142

24

Com

mis

sion

(133)

(1)

(42)

(176)

(48)

(48)

(12072)

(530

0)

Ope

ratin

g Ex

pens

es r

elat

ed to

454

13

828

1295

915

915

31787

1750

9In

sura

nce

Busi

ness

Prem

ium

Def

icie

ncy

(431)

515

TOTA

L (

B)

321

12

848

1181

955

955

48515

1694

8

Ope

ratin

g Pr

ofit/

(Los

s)(3

05)

(7)

(717)

(1029)

(902)

(902)

(5360)

(122

32)

from

Fire

/Mar

ine/

Mis

cella

neou

sBu

sine

ss C

= (A

- B

)

AP

PR

OP

RIA

TIO

NS

Tran

sfer

to S

hare

hold

ers'

Acco

unt

(305)

(7)

(717)

(1029)

(902)

(902)

(5360)

(122

32)

Tran

sfer

to C

atas

troph

e Re

serv

e

Tran

sfer

to O

ther

Res

erve

s(to

be

spec

ified

)

TOTA

L (C

)(3

05)

(7)

(717)

(1029)

(902)

(902)

(5360)

(122

32)

(Rs.

in

La

kh

s)

Con

td...

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NUAL REPO

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131

TABLE - 23

PROFIT AND LOSS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERSPARTICULARS ROYAL SUNDARAM BAJAJ ALLIANZ TATA AIG RELIANCE IFFCO-TOKIO ICICI LOMBARD CHOLAMA- HDFC- GRAND TOTAL

NDALAM CHUBB

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2002-03 2002-03 2001-02

OPERATING PROFIT/(LOSS)(a) Fire Insurance 609 (493) 1197 237 1018 124 932 (96) 962 (108) (471) (6) (305) 3942 (340)(b) Marine Insurance (151) (151) 74 2 (641) (386) (130) (48) (307) (92) (174) (0) (7) (1336) (675)(c) Miscellaneous Insurance (2124) (2654) (465) (2780) (2295) (3422) (723) (437) (679) (622) (60) (1301) (717) (902) (7965) (11216)

(1666) (3298) 806 (2541) (1918) (3683) 79 (581) (24) (823) (705) (1307) (1029) (902) (5359) (12232)INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent � Gross 748 785 807 871 870 1219 958 1348 981 1012 888 520 163 342 5757 5755(b) Profit on sale of investments 429 82 126 395 27 540 336 273 6 886 23 2304 820Less: Loss on sale of investments 1 6 2 330 58 61 336Other Income (To be specified) 3 2 1 61 7 18 2 5 86 13

TOTAL (A) (489) (2428) 1740 (1280) (960) (2457) 1593 775 957 189 461 (780) 20 (595) 2727 (5981)

Provisions (Other than taxation)(a) For diminution in the value of

investments 21 21(b) For doubtful debts(c) Others (to be specified)OTHER EXPENSES(a) Expenses other than those

related to Insurance Business 10 10 9 2 331 20 17 27 316 50 447 345(b) Bad debts written off(c) Others -preliminary &

pre-op.,amortisations 15 18 45 301 37 37 16 16 280 37 388 413

TOTAL (B) 10 25 27 47 331 301 58 37 20 17 43 332 330 37 856 759

Profit Before Tax (499) (2453) 1713 (1327) (1291) (2758) 1535 738 937 173 418 (1113) (310) (632) 1871 (6740)Provision for Taxation 750 (365) 101 61 301 6 89 (264) 1241 (562)Profit After Tax (499) (2453) 963 (962) (1291) (2758) 1434 678 636 167 329 (849) (310) (632) 630 (6177)APPROPRIATIONS(a) Interim dividends paid during

the year(b) Proposed final dividend 200 200(c) Dividend distribution tax 26 26(d) Transfer to any Reserves or

Deferred Tax of last year 12 13 28 (47) 40 (34)(e) Catastrophe ReserveBalance of profit/loss B/ffrom last year (3540) (1088) (962) (3100) (342) 735 45 307 141 (928) (127) (7488) (1371)Balance C/f to Balance Sheet (4039) (3540) 1 (962) (4391) (3100) 2157 735 689 307 (599) (929) (310) (632) (7124) (7488)

(Rs. in Lakhs)

okf��"kZd fji

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TABLE - 24

BALANCE SHEET: PRIVATE SECTOR NON-LIFE INSURERS(Rs. in Lakhs)

PARTICULARS ROYAL SUNDARAM BAJAJ ALL IANZ TATA AIG REL IANCE IFFCO -TOKIO ICIC I LOMBARD CHOLAMA- HDFC - GRAND TOTALNDALAM CHUBB

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2002-03 2002-03 2001-02

SOURCES OF FUNDS

Share Capital 12,980 12,969 10,946 10,928 12,350 12,350 10,200 10,200 10,000 10,000 10,960 10,944 10,500 10,022 87,958 67,392

Reserves & Surplus - - 1 - - - 2,158 735 701 319 - - - - 2,860 1,054

Fair Value Change Account - - - 33 - - - - - - - 4 - - 1 (28) -

Borrowings - - - - - - - 25 25 -

Others 94 85 - - - - - - 33 - - - - - 127 85

TOTAL 13,074 13,054 10,914 10,928 12,350 12,350 12,358 10,935 10,734 10,319 10,964 10,944 10,500 10,048 90,942 68,531

APPLICATION OF FUNDS -

Investments 14,495 10,900 22,357 16,682 16,496 10,327 18,149 14,966 11,104 7,549 21,001 11,290 10,888 9,372 123,862 71,713

Loans - - 11 13 - - 250 - - 261 13

Fixed Assets 1,088 886 1,705 1,186 1,844 2,196 163 162 1,335 1,142 449 233 588 512 7,684 5,806

CURRENT ASSETS - -

Cash and Bank Balances 3,420 2,027 3,217 2,334 2,450 1,574 980 338 6,251 6,846 3,268 1,258 333 152 20,071 14,377

Advances and Other Assets* 1,468 891 1,619 1,854 2,197 1,369 2,206 1,286 2,819 882 5,907 2,819 331 318 16,865 9,101

Sub-Total (A) 4,888 2,919 4,836 4,188 4,647 2,943 3,186 1,623 9,070 7,728 9,175 4,077 664 470 36,936 23,478

CURRENT LIABILITIES 5,834 2,814 8,378 5,089 8,713 4,422 8,090 5,803 6,533 5,138 17,804 4,113 1,598 559 57,509 27,379

Provisions 5,603 2,376 10,189 8,178 6,724 2,345 1,125 123 4,242 963 2,705 1,470 352 671 31,611 15,455

Sub-Total (B) 11,437 5,191 18,567 13,267 15,437 6,767 9,215 5,926 10,775 6,101 20,509 5,584 1,950 1,230 89,120 42,834

NET CURRENT ASSETS (C) = (A - B) (6549) (2272) (13731) (9079) (10790) (3824) (6029) (4303) (1705) 1,628 (11334) (1507) (1286) (760) (52184) (19356)

Deferred Tax Asset 583 1,178 (3) - 583 1,175

Miscellaneous Expenditure (to the extent not

written off or adjusted) - - - - 398 538 75 112 - - - - - 292 765 650

Profit & Loss Account (Debit Balance) 4040 3540 - 961 4391 3100 - - - - 599 929 310 632 9971 8530

TOTAL 13,074 13,054 10,914 10,928 12,350 12,350 12,358 10,935 10,734 10,319 10,964 10,944 10,500 10,048 90,942 68,530

okf��"kZd fji

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NUAL REPO

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3rd jh

135

TABLE - 25REVENUE ACCOUNT : GENERAL INSURANCE CORPORATION (GIC)

(Rs. in Lakhs)

PARTICULARS 2002-03 2001-02

Fire Marine Misc Total Fire Marine Misc Total

Premiums earned (Net) 84436 20759 213438 318633 50708 22675 170463 243846

Profit/ Loss on sale/redemption 1999 1052 9503 12554 1332 1143 9038 11513of InvestmentsOthers (to be specified) 111 276 334 721 161 25 (117) 69

Interest, Dividend & Rent � Gross 7215 3798 34303 45316 5256 4510 35654 45420

TOTAL (A) 93761 25885 257578 377224 57457 28353 215038 300848

Claims Incurred (Net) 38825 15198 220417 274440 35624 13101 180783 229508

Commission 33769 6253 50878 90900 21205 4305 38123 63633

Operating Expenses relatedto Insurance Business 920 227 1765 2912 758 165 1528 2451Expenses relating to Investment 11 6 51 68 7 6 50 63

Foreign Taxes

TOTAL (B) 73525 21684 273111 368320 57594 17577 220483 295654

Operating Profit/(Loss) from 20236 4201 (15533) 8904 (137) 10776 (5445) 5194

Fire/Marine/Miscellaneous

Business C= (A - B)

APPROPRIATIONS

Transfer to Shareholders' Account 20236 4201 (15533) 8904 (137) 10776 (5445) 5194

Transfer to Catastrophe Reserve

Transfer to Other Reserves(to be specified)

TOTAL (C ) 20236 4201 (15533) 8904 (137) 10776 (5445) 5194


3rd

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137

TABLE - 26

PROFIT AND LOSS ACCOUNT : GENERAL INSURANCE CORPORATION (GIC)(Rs. in Lakhs)


OPERATING PROFIT/(LOSS)(a) Fire Insurance 20236 (137)(b) Marine Insurance 4201 10776(c) Miscellaneous Insurance (15533) (5446)

8904 5193INCOME FROM INVESTMENTS(a) Interest, Dividend & Rent � Gross 29066 31310(b) Profit on sale of investments 8052 7937Less: Loss on sale of investments (1)

OTHER INCOME (To be specified) 3585 1544

TOTAL (A) 49607 45983

PROVISIONS (Other than taxation)(a) For diminution in the value of investments 3861 3308(b) For doubtful debts 6300 6940(c) Others (to be specified) 5092 43

OTHER EXPENSES(a) Expenses other than those related to Insurance Business 43(b) Bad debts written off 22 22(c) Others (To be specified)

TOTAL (B) 15318 10313

Profit Before Tax 34289 35670Provision for Taxation 6123 4453Profit after Tax 28166 31217

Balance of Profit / Loss B/f from last year 3 1Profit available for appropriation 28169 31218

APPROPRIATIONS(a) Interim dividends paid during the year(b) Proposed final dividend 4730 4300(c) Dividend distribution tax 606(d) Transfer to any Reserves or Other Accounts (to be specified)

Transfer to General Reserve 22830 26915Balance C/f to Balance Sheet 3 3

28169 31218


3rd

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139

TABLE - 27

BALANCE SHEET : GENERAL INSURANCE CORPORATION (GIC)

(Rs. in Lakhs)


SOURCES OF FUNDSShare Capital 21500 21500Reserves & Surplus 295293 271622Fair Value Change Account 114967 153903Deferred Taxation Liability 601

TOTAL 432361 447025

APPLICATION OF FUNDSInvestments 782716 713282Loans 79582 81589Fixed Assets 4098 4111

CURRENT ASSETSCash & Bank Balance 151681 111080Advances and Other Assets 151434 127822Sub-Total (A) 303115 238902

CURRENT LIABILITIES 477497 394677Provisions 259653 196182Sub-Total (B) 737150 590859Net Current Assets (C)= (A-B) (434035) (351957)Misc. Expenditure (to the extent not written off or adjusted)Profit & Loss Account (Debit Balance)

TOTAL 432361 447025


3rd

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141

TABLE-28

GROSS DIRECT PREMIUM INCOME IN INDIA

(Rs. in Crores)

Sl. Fire Misc. Marine TOTAL

No. Company 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

1. National 507.85 491.83 2136.67 1666.47 219.06 207.16 2863.58 2365.46

2. New India 867.46 859.89 2709.38 2313.14 344.40 339.30 3921.24 3512.33

3. Oriental 532.64 521.67 2042.70 1719.16 228.07 205.65 2803.41 2446.48

4. United India 604.18 635.89 2024.74 1763.86 339.14 255.21 2968.06 2654.96

5. ECGC 374.78 338.52 374.78 338.52

Sub-Total 2512.13 2509.28 9288.27 7801.15 1130.67 11007.32 12931.07 11317.75

6. Royal Sundaram 39.16 17.90 132.26 50.44 13.02 2.78 184.44 71.12

7. Reliance 55.42 45.84 121.34 29.87 8.91 1.74 185.67 77.45

8. IFFCO-Tokio 103.52 36.15 91.39 3.34 18.41 31.02 213.32 70.51

9. Tata-AIG 49.91 19.36 156.69 49.91 27.33 9.18 233.93 78.45

10. ICICI Lombard 123.75 10.98 70.82 16.13 8.91 203.48 27.11

11. Bajaj Allianz 60.64 27.88 228.43 112.71 7.41 1.36 296.48 141.95

12. Cholamandalam 5.32 9.31 0.16 14.79

13. HDFC-Chubb 9.49 9.49

Sub-Total 437.72 158.11 819.73 262.40 84.15 46.08 1341.60 466.59

Grand Total 2949.85 2667.39 10108.00 8063.55 1214.82 1053.40 14272.67 11784.34

0

2000

4000

6000

8000

10000

12000

14000

16000

1998-99 1999-00 2000-01 2001-02 2002-03

Rs.

in c

rore

s

EC GC

HDFC-Chubb

Cholam andalam

ICICI Lom bard

Baja j A llianz

Tata-AIG

IFFCO -Tokio

Reliance

Royal Sundaram

United

O riental

New India

National

GROSS DIRECT PREMIUM INCOME


3rd

jh

143

TABLE - 29

NET PREMIUM INCOME (EARNED)

(Rs. in Crores)

Sl. Fire Misc Marine TOTAL

No. Company 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

1. National 360.10 366.55 1473.05 1301.13 132.81 149.11 1965.96 1816.79

2. New India 790.27 679.24 2296.79 1991.51 210.09 188.12 3297.15 2858.87

3. Oriental 360.30 392.82 1366.56 1248.69 128.92 179.20 1855.78 1820.71

4. United India 452.80 446.30 1476.08 1383.72 180.49 142.77 2109.37 1972.79

5. ECGC 366.61 330.45 366.61 330.45

Sub-Total 1963.47 1884.91 6979.09 6255.50 652.31 659.20 9594.87 8799.61

6. Royal Sundaram 8.64 0.67 63.49 12.23 4.36 0.18 76.49 13.08

7. Reliance 2.68 0.39 5.71 0.69 0.92 0.14 9.31 1.21

8. IFFCO-Tokio 9.67 0.94 26.16 2.79 3.66 0.02 39.49 3.74

9. TATA-AIG 3.46 (0.46) 71.44 11.29 7.99 1.84 82.89 12.67

10. ICICI Lombard 7.44 0.21 18.10 1.21 1.68 0.15 27.22 1.56

11. Bajaj Allianz 9.74 0.68 142.20 8.99 2.16 0.15 154.10 9.82

12. Cholamandalam 0.12 0.04 0.94 1.10

13. HDFC-Chubb 0.41 0.41

Sub-Total 41.75 2.41 327.55 37.20 21.71 2.47 391.01 42.08

Grand Total 2005.22 1887.32 7306.64 6292.70 674.02 661.67 9985.88 8841.69

NET PREMIUM

0

2000

4000

6000

8000

10000

12000

1998-99 1999-00 2000-01 2001-02 2002-03

Rs.

in c

rore

s

EC GC

HDFC-Chubb

Cholam andalam

ICICI Lom bard

Baja j A llianz

Tata-AIG

IFFCO -Tokio

Reliance

Royal Sundaram

United

O riental

New India

National


3rd

jh

145

TAB

LE -

30(i

)

UN

DER

WR

ITIN

G E

XPER

IEN

CE

AN

D P

RO

FITS

OF

THE

PU

BLI

C S

ECTO

R C

OM

PAN

IES

(Rs.

in

Cro

res)

NA

TIO

NA

LN

EW I

ND

IAO

RIE

NTA

LU

NIT

ED I

ND

IATO

TAL

2002-0

320

01-0

22002-0

320

01-0

22002-0

320

01-0

22002-0

320

01-0

22002-0

320

01-0

2

Net

Pre

miu

m2130.8

818

13.1

23516.4

230

68.2

31898.4

218

18.5

02092.4

120

45.0

79638.1

387

44.9

2

Net

Incu

rred

Cla

ims

1619.6

617

24.9

32699.5

025

55.1

81466.5

418

27.9

21905.4

417

80.4

77691.1

478

89.0

0

76.0

1%

95.1

4%76.7

7%

83.3

0%77.2

5%

100.

50%

91.0

6%

87.0

6%79.8

0%

90.2

1%

Com

mis

sion

, Exp

ense

s of

647.5

355

4.58

1084.0

085

7.62

640.0

058

5.96

603.0

864

5.42

2974.6

125

91.6

7

Man

agem

ent

and

Oth

er C

harg

es30.3

9%

30.5

9%30.8

3%

29.2

0%33.7

1%

32.2

0%28.8

2%

31.5

6%30.8

6%

29.6

4%

Incr

ease

in

Rese

rve

for

164.9

2(3

.87)

219.0

020

9.35

42.6

5(2

.22)

(16.9

5)

72.2

6409.6

227

5.55

Une

xpire

d Ri

sk7.7

4%

(0.2

1%)

6.2

3%

6.80

%2.2

5%

(0.1

0%)

(0.8

1%

)3.

53%

4.2

5%

3.15

%

Und

erw

ritin

g Pr

oft/

(Los

s)(3

01.2

3)

(462.5

2)

(486.0

8)

(553

.92)

(250.7

7)

(593

.16)

(399.1

6)

(453

.08)

(1437.2

4)

(201

1.30

)

(14.1

4%

)(2

5.51

%)

(13.8

2%

)(1

9.30

%)

(13.2

1%

)(3

2.6

2%

)(6

6.1

9%

)(7

0.20

%)

(14.9

1%

)(2

3.00

%)

Gro

ss In

vest

men

t Inc

ome

485.8

843

9.78

881.0

085

7.16

482.0

043

7.62

671.0

062

4.31

2519.8

821

88.4

8

Oth

er In

com

e Le

ss

Oth

er O

utgo

(45.2

2)

(71.

21)

(82.0

0)

(96.

06)

(56.0

0)

(79.

56)

(57.6

6)

(14.

54)

(240.8

8)

(311

.73)

Prof

it Be

fore

Tax

139.4

3(9

3.95

)312.9

220

7.18

175.2

3(2

35.1

0)214.1

815

6.69

841.7

6(1

34.5

5)

Inco

me

Tax

Ded

ucte

d a

t

Sour

ce a

nd P

rovi

sion

for

Tax

4.5

1(3

.50)

57.0

266

.20

111.9

00.

6343.1

73.

30216.6

070

.15

Net

Pro

fit134.9

2(9

0.45

)255.9

014

0.98

63.3

3(2

35.7

3)171.0

115

3.39

625.1

6(2

04.7

0)


3rd

jh

147

TAB

LE -

30(i

i)

UN

DER

WR

ITIN

G E

XPER

IEN

CE

AN

D P

RO

FITS

OF

THE

PR

IVA

TE S

ECTO

R C

OM

PAN

IES

(Rs.

in

Cro

res)

ROYA

L SU

NDAR

AMRE

LIAN

CEIF

FCO

-TO

KIO

TATA

-AIG

BAJA

J AL

LIAN

ZIC

ICI L

OMBA

RDCH

OLA

MA-

HDFC

-TO

TAL

NDAL

AMCH

UBB

2002

-03

2001

-02

2002

-03

2001

-02

2002

-03

2001

-02

2002

-03

2001

-02

2002

-03

2001

-02

2002

-03

2001

-02

2002

-03

2002

-03

2002

-03

2001

-02

Net

Pre

miu

m10

9.17

36.7

519

.27

2.35

70.0

313

.13

126.

6836

.07

180.

7684

.06

44.5

210

.97

4.50

6.52

561.

4518

3.33

Net

Incu

rred

Cla

ims

58.6

011

.63

19.1

71.

6028

.50

4.28

60.0

610

.20

106.

6712

.74

17.7

61.

790.

620.

8729

2.25

42.2

4

53.6

8%31

.65%

99.4

8%83

.30%

40.7

0%10

0.50

%47

.41%

28.2

8%59

.01%

15.1

6%39

.89%

83.3

0%13

.78%

13.3

4%52

.05%

23.0

4%

Com

mis

sion

, Ex

pens

es o

f

Man

agem

ent

and

Oth

er

Cha

rges

41.8

835

.86

(1.9

3)6.

3714

.20

8.28

47.2

339

.30

51.1

824

.33

24.7

313

.11

11.2

09.

1619

7.65

127.

25

38.3

6%97

.58%

(10.

02%

)29

.20%

20.2

8%32

.20%

37.2

8%10

8.95

%28

.31%

28.9

4%55

.55%

29.2

0%24

8.89

%14

0.49

%35

.20%

69.4

1%

Incr

ease

in

Res

erve

for

Une

xpire

d Ri

sk32

.26

23.6

79.

951.

1530

.53

9.39

43.8

023

.40

26.6

674

.24

17.1

99.

553.

386.

1016

9.87

141.

40

29.5

5%64

.41%

51.6

3%6.

80%

43.6

0%-0

.10%

34.5

8%64

.87%

14.7

5%88

.32%

38.6

1%6.

80%

75.1

1%93

.56%

30.2

6%77

.13%

Und

erw

ritin

g Pr

oft/

(Los

s)(2

3.57

)(3

4.41

)(7

.92)

(6.7

7)(3

.20)

(8.8

2)(2

4.41

)(3

6.83

)(3

.75)

(27.

25)

(15.

16)

(13.

48)

(10.

70)

(9.6

1)(9

8.32

)(1

27.5

6)

(21.

59%

)(9

3.63

%)(4

1.10

%)

(19.

30%)

(4.5

7%)

(67.

17%

)(5

1.68

%)

(93.

72%)

(2.0

7%)

(32.

42%)

(34.

05%

)(1

9.30

%)(2

37.7

8%)

(147

.39%

)(1

7.51

%)

(69.

58%)

Gro

ss I

nves

tmen

t

Inco

me

19.0

810

.11

23.4

714

.49

12.7

810

.70

15.6

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.19

20.7

314

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14.8

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697.

592.

8011

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67.4

7

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er In

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ss

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(0.1

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(0.2

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.35)

(0.2

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0.12

(0.3

0)4.

57(3

.32)

0.00

0.48

0.54

(7.3

0)

Prof

it Be

fore

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(4.5

9)(2

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.34

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9.37

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(12.

92)

(27.

58)

17.1

0(1

3.26

)4.

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1.11

)(3

.11)

(6.3

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(67.

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me

Tax

Ded

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d A

t

Sour

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nd P

rovi

sion

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1.01

0.60

3.01

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7.50

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(24.

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14.3

36.

776.

361.

65(1

2.92

)(2

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60(9

.61)

3.41

(8.4

6)(3

.11)

(6.3

3)6.

75(6

1.75

)


3rd

jh

149

TAB

LE -

31(i

)

INCU

RR

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LAIM

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TIO

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PU

BLI

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ECTO

R P

LAYE

RS

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NEW

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LU

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Mar

ine

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tal

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tal

Fire

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ine

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.To

tal

Fire

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ine

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.To

tal

Net

Pre

miu

m35

2.06

144.8

816

33.4

2130

.8882

1.720

0.43

2494

.2935

16.42

328.3

912

4.08

1445

.9518

98.42

425.3

213

5.87

1531

.2220

92.41

366.6

136

6.61

1928

605.

2674

71.5

1000

4.7

Cla

ims

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rred

Net

133.2

610

5.63

1380

.7716

19.66

467.3

711

6.921

15.23

2699

.512

25.52

84.31

1256

.7114

66.54

200.2

999

.716

05.45

1905

.4433

4.133

4.192

6.44

406.

5466

92.3

8025

.3

Cla

ims

Ratio

37.8%

72.9%

84.5%

76.0%

56.9%

58.3%

84.8%

76.8%

38.2%

67.9%

86.9%

77.3%

47.1%

73.4%

104.8

%91

.1%91

.1%91

.1%48

.1%

67.2

%89

.6%

80.2

%

TAB

LE -

31(i

i)

INCU

RR

ED C

LAIM

RA

TIO

OF

PR

IVA

TE S

ECTO

R P

LAYE

RS

- N

ON

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MR

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NC

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TATA

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JAJ-

ALL

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ine

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tal

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ine

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cTo

tal

Fire

Mar

ine

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cTo

tal

Fire

Mar

ine

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cTo

tal

Fire

Mar

ine

Mis

cTo

tal

Net

Pre

miu

m13

.066.6

189

.510

9.17

6.75

1.59

10.93

19.27

16.86

8.52

44.65

70.03

6.43

13.18

107.0

712

6.68

17.86

3.41

159.4

918

0.67

Cla

ims

Incu

rred

Net

2.87

4.03

51.7

58.6

5.44

1.412

.3319

.172.9

34.5

121

.0628

.51.2

211

.0147

.8360

.062.7

61.4

610

2.45

106.6

7

Cla

ims

Ratio

22%

61%

58%

54%

81%

88%

113%

99%

17%

53%

47%

41%

19%

84%

45%

47%

15%

43%

64%

59%

ICIC

I-LO

MB

AR

DC

HO

LAM

AN

DA

LAM

HD

FC-C

HU

BB

Tota

l

Fire

Mar

ine

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tal

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Pre

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m16

.333.4

724

.7244

.520.4

50.0

93.9

44.4

80

06.5

26.5

277

.74

36.8

744

6.82

561.

43

Cla

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1.51

1.914

.3517

.760

00.6

20.6

20

00.9

0.87

16.7

324

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251.

2129

2.25

Cla

ims

Ratio

9%55

%58

%40

%0%

0%16

%14

%0%

0%13

%13

%22

%66

%56

%52

%

(Rs.

in

Cro

res)

(Rs.

in

Cro

res)

(Rs.

in

Cro

res)


3rd

jh

151

Nat

iona

l

New

Indi

a

Orie

ntal

Uni

ted

Roy

al S

unda

ram

Rel

ianc

e

IFF

CO

-Tok

io

TATA

-AIG

Baj

aj A

llian

z

ICIC

I Lo

mba

rd

Cho

lam

nada

lam

HD

FC

-Chu

bb

EC

GC

okf”””"kZd fjiksVZANNUAL REPORT

2002-20033rd

jh

153

Nat

iona

l

New

Indi

a

Orie

ntal

Uni

ted

Roy

al S

unda

ram

Rel

ianc

e

IFF

CO

-Tok

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Baj

aj A

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ICIC

I Lo

mba

rd

Cho

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HD

FC

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bb

0

500

1000

1500

2000

2500

3000

Rs.

in c

rore

s

1998-99 1999-00 2000-01 2001-02 2002-03

INVESTMENT INCOME

HDFC-ChubbCholamandalamICICI Lom bardBajaj AllianzTata-AIGIFFCO-TokioRelianceRoyal SundaramUnitedOrientalNew Ind iaNational

1998-991999-002000-012001-022002-03


3rd

jh

155

TABLE -32 (i)

NON-LIFE - NEW PRODUCTS INTRODUCED IN 2001-02

Name of the non-life Insurer Name of Products

(Brand Names)

ICICI Lombard General Insurance Marine Transit Insurance (Inland) - Marine 1

Co. Ltd Fidelity Guarantee Insurance - Misc. 03

Public Liability Insurance (Under Public Liability Insurance Act) Misc. 07

Public Liability Insurance (Industrial Risks) Misc.08

Public Liability Insurance (Non -industrial Risks) Mics. 09

All Risks Insurance Policy, Code: Misc 01

Burglary Insurance - Misc. 02

Group Mediclaim Insurance - Misc. 04

Group Personal Accident Insurance- Misc. 05

Money Insurance - Misc. 06

Agricultural Pump-set -misc.07

Janata Personal Accident-misc-08

Group Health Insurance Policy-misc-11

Group Health (Floater) Insurance Policy-misc-12

Group Personal Accident Insurance- Misc. 05 (Revision)

Marine Export Import Insurance

Home Insurance Policy - Misc. 13

The New India Assurance Co. Ltd Individual & group mediclaim policy

Overseas mediclaim policy

Health insurance policy for ex-defence personnel

Credit insurance-amendments

National Insurance Co. Ltd Individual Group Mediclaim Policy

Long Term Group Mediclaim Policy - NIC 46039

Oriental Insurance Co. Ltd Nagrik suraksha policy

Office umbrella policy

IFFCO-Tokio General Insurance Standard fire & special perils policy

Co. Ltd Consequential loss (fire) policy

Workmen�s compensation policy

Machinery breakdown insurance

Contractor�s plant & machinery insurance

Erection all risk insurance

Contractor�s all risk insurance

Boiler & pressure plant insurance

Electronic equipment insurance


3rd

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157

Name of The Non-life Insurer Name Of Products

(Brand Names)

Industrial all risk policy

Machinery loss of profits policy

Motor-private car comprehensive policy

Motor-cycle scooter �b� policy

Marine cargo

Public liability (non industrial risks) insurance policy

Agriculture insurance policy

Traders package insurance policy

Burglary & house breaking insurance

Money insurance policy

Banker�s indemnity policy

Medishield policy

Fidelity guarantee policy

Public liability insurance-act policy

Product liability policy

Individual personal accident policy

Group personal accident policy

Public liability (industrial & storage risk) insurance policy

All risk insurance policy

Professional indemnity errors & ommission policy

Commercial vehicle insurance policy

Sankat mochak policy

Lok swasthya bima yojna

Pashu-dhan bima

Krishak mitra bima yojna

Sankat haran (kisan gramin bima yojana)

Critical illness insurance policy

Travel protector policy

Trade protector insurance policy

Transport & related liability cover

Home and family protection policy

Non-standard cover- insurance policy

Reliance General Insurance Co. Ltd. Standard fire & special perils policy

Consequential loss (fire) policy

Industrial all risk policy

Erection all risk/ storage cum erection insurance

Machinery breakdown insurance

Contractor�s all risk insurance

Electronic equipment insurance

Contractor�s plant & machinery insurance


3rd

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159


(Brand Names)

Boiler & pressure plant insurance

Deterioration of stocks in cold storage insurance

Workmen�s compensation insurance policy

Public liability (act) insurance policy

A policy for act liability insurance

Motor-private car insurance �b� policy

Motor-cycle/ scooter insurance �b� policy

Commercial vehicles insurance �b� policy

Motor trade insurance �b� policy

Burglary & house breaking insurance

Money insurance policy

Fidelity guarantee policy

Individual personal accident policy

Group personal accident policy

Portable electronic equipments policy

Public liability (act) insurance policy

Baggage insurance policy

Mediclaim insurance policy (individuals & family)

Group mediclaim insurance policy

Videsh yatra mitra (for overseas travel)

Plate glass insurance policy

Janata personal accident

Cattle insurance

Office package

Professional indemnity

House holder package policy

Jewellers block

Shop keepers

Overseas travel health policy

Revised householders policy

Revised shop keepers policy

Royal Sundaram Insurance Co. Ltd. Standard fire & special perils policy

Consequential loss (fire) policy - (001 fbi 01(feb 2001)

Industrial all risk policy - 001 far 01 (feb 01)

Erection all risk/ storage cum erection insurance � 001 ear 01 (feb 2001)

Machinery breakdown insurance - 001 emb 01 (feb 01)

Contractor�s all risk insurance - 001 ecr 01 (feb 01)

Electronic equipment insurance - 001 eei 01 (feb 01)

Contractor�s plant & machinery insurance � 001 eo(cpm) 01 (feb 2001)


3rd

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161


(Brand Names)

Boiler & pressure plant insurance - 001 eo(boiler) 01 (feb 01)Workmen�s compensation insurance policy - 001 wcp (feb 01)Motor insurance - commercial vehicles insurance policyCar shield productMachinery loss of profits insuranceWindmill package insurance policyGroup personal accident policy (accidental death only) - 001 apaIndividual personal accident insurance policy (accidental death &disablement only) - 003 apaMarine cargo insurance policy - (001 mcg 01 (feb01)sycMarine cargo international clauses & wordings - (001 mcgwordings 01(feb01)Marine cargo inland transits - (001 mcg inland 01 (feb01)Home insurance policy - 001 fdpRural personal accident insurance policy - 001 rpa (feb 01)Burglary (business premises) insurance - 001 ftft 02/2001Money insurance policy - (001 fcsh 02/2001Fidelity guarantee policy - (001 fgi 02/2001Product liability insurance policy - 001 lpdp 01 (02/2001)Public liability insurance policy (non-industrial risks) - 001 lpnp 01 (02/2001)Public liability insurance policy (industrial risks) - 001 lpip 01 (02/2001)All risk insurance policy - 001 ariJanatha personal accident insurance policy - 001 jpa (feb 01)Poultry insurance policy - 001 rpy (feb 01)Livestock insurance policy - 001 rls (feb 01)Public liability (act) insurance policy - 001 lpa (02/2001)Health premium platinum insurance - 001 amgHealth shield gold insurance - 001 ameTravel shield gold insurance - 001 otHospital cash insurance - 001 ahcGroup personal accident policy 002 apaFarmers package insurance policy - 001 fpp (apr 01)Lost card insurance-001accSpecial contingency insurance � 001 sciPurchase protection insurance - 001 appHealth shield extra - 003 ameHealth shield platinum insurance-002Health premium platinum extension-002 amgTravel safe insurance - 001 atrPet plan-001 petNeon sign insurance-001 ans(05/2001)Plate glass insurance-001 agp (05/2001)Baggage insurance-001 alg (05/2001)Frequent traveller shield insurance - 001 atr (05/2001)


3rd

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163


(Brand Names)

Point of purchase insurance - 001 appWhirlpool purchase protection insurance � 001 appHealth premium platinum extension - 002 amgEnterprise shield insurance - 001 fsp (06/2001)Advance loss of profits (construction) insurance - 001 ecalop (06/2001)360 business shield insurance - 001 fsp(360) (06/2001)Globe traveller insurance - 001 atr(g) (06/2001)Royal traders shield insurance - 001 ftp (06/2001)Royal hotel shield insurance - 001 fhp (06/2001)Royal office shield insurance - 001 fop (06/2001)Directors & officers liability shield insurance and companyreimbursement liability shield insurance policy - 001 sdo (06/2001)Women�s welfare coverInsure 123 policyCommercial combined insurance policyMiscellaneous package policyBanker�s indemnity insurance policyShakthi security shieldChild security shield

TATA-AIG General Insurance Co. Ltd. Family guard - personal accidentExecutive guard - personal accidentSecure income plan-lowSecure income plan-highFamily guard - personal accidentCrisis management productsSurety bondPolitical risksTrade creditsGroup multiguard personal accident policyAccident & health product - family guard+policyHomesecure (householder�s) policyAccident & health - group hospital cash policyAccident & health - hsbc group hospital cash policyBusiness guard � jyotiBusiness guard � sanjeeviniOverseas travel accident-single trip & annual multi-trip insurance-tag-13Overseas travel accident-single trip & annual multi-trip insuranceOverseas travel accident-silver, gold, platinum & annual multi-trip insuranceAccident & health product - individual personal accident policy-broadmarket product �shanti�Accident & health product - individual personal accident policy andbusiness travel-agenciesBusiness guard � office


3rd

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165

TABLE -32 (ii)

NON-LIFE INSURANCE (NON-TARIFF/PACKAGE) PRODUCTSLAUNCHED DURING 2002�03

Name of the non-life Insurer Name of Products (Brand Names)

ICICI Lombard General Insurance Co. Ltd. Merchant�s Cover III Insurance Policy Misc. 14Personal Care Insurance Policy Misc 15Product Liability Insurance Policy - Misc 15Corporate Cover II -Misc. 16Sign Installation Policy - Misc 17Professional Indemnity Policy for Doctors & Medical Practioners - Misc21Professional Indemnity Policy for Medical Establishments - Misc 22Professional Indemnity Policy for Consulting Engineers, Architects andInterior Decorators - Misc 23Professional Indemnity Policy for Chartered Accountants/ ManagementConsultants/ Lawyers/ Advocates/ Solicitors/ Counsels - Misc 24Plate Glass Insurance Policy - Misc 28Globetrotter - Overseas Group Travel Insurance Policy - Misc 29Burglary Insurance - Misc. 02 (Amendment to Policy)Baggage Group Insurance Policy - Misc. 27Globetrotter - Overseas Individual Travel Insurance Policy - Misc 30Event Insurance Policy - Misc 30Comprehensive General Liability Insurance Policy - Misc 32Individual Health Insurance Policy* - Misc 34Director�s & Officer�s Liability Insurance Policy* - Misc 33Performance Guarantee Insurance Policy* - Misc 32Weather Insurance Policy*-Misc.37Emigrant Workers Insurance Policy*-Misc.41Overseas Ind. Student Insurance Policy*Credit Insurance-Globealliance Policy*CPM Policy*-Misc.42Domestic Travel Insurance

The New India Assurance Co. Ltd. Credit Insurance Policy (Amendments)Overseas Mediclaim Policy (Revision)Universal Mediclaim Policy

National Insurance Co. Ltd. Cruise Insurance-Overseas Mediclaim PolicyProfessional Indemnity Policy for Insurance BrokersWorkers� Welfare PolicyUniversal Mediclaim PolicyYeshasvini Co-operative Health Insurance Scheme


3rd

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167


Oriental Insurance Co. Ltd. Universal Mediclaim Policy

Sweet Home Package Policy*

United India Insurance Co. Ltd. Universal Mediclaim Policy*

Dental Insurance Policy*

Overseas Mediclaim Policy (Revised)

IFFCO-Tokio General Insurance Co. Ltd. Traders Package Policy

Home Package Policy

Jewellers� Block Policy

Reliance General Insurance Co. Ltd. Farmers� Package Policy

Royal Sundaram Insurance Co. Ltd. Enterprise Business Insurance Policy

Edu-care Policy

Enterprise Shield Policy (Amended)

Property All Risks Policy (Amended)

360 Business Shield Insurance (Amended)

Bajaj Allianz General Insurance Co. Ltd. Individual Personal Accident Policy (Revised)

Guru Raksha Insurance Policy*

TATA AIG General Insurance Co. Ltd. Business Guard - Shakti

Business Guard - Commercial

Individual Injury And Personal Accident Policy - Broad Market Product

- �Chaaya�

Accident & Health - Overseas Travel Accident - Travel Care

Accident & Health - Overseas Travel Accident - Student Guard

Individual Injury And Personal Accident Policy - �Family Care Protection

Plan�

Individual Personal Accident Product - Income Guard Plan

Individual Personal Accident Product - Income Guard Plan Plus

Accident & Health - Group Multiguard Personal Accident Policy

Accident & Health - Voluntary Group Personal Accident Policy

Accident & Health - Group Hospital & Surgical Insurance Policy

Accident & Health - Group Travel Guard Policy-Gtg1102

Accident & Health - Travel Care Policy-Prod. Code: Tc 1102

Accident & Health - Travel Guard Policy-Prod. Code: Tg 1102

Homesecure Privilege Policy

Package Insurance Policy For Mutual Funds*

Pollution Legal Liability Select Policy*

Accident & Health - Group Personal Injury Plan (Revised)*

Crime Manager Policy*


3rd

jh

169


HDFC Chubb General Insurance Co. Ltd. Group Personal Accident Insurance

Personal Accident Insurance

Group Hospital Cash Insurance

Hospital Cash Insurance

Group Travel Insurance

Travel Insurance

Home Insurance Product

Public Liability Insurance Policy

Product Liability Insurance Policy

Crime Insurance Policy*

Marine Cargo Open Policy*

Mutual Fund Asset Protection Policy*

Cholamandalam MS General Insurance Co. Ltd. Product Liability Insurance Policy - C1-PD

Product Liability Insurance Policy - Under Public Liability- C2-PI

Public Liability Insurance Policy for Industrial and Storage Risk

Public Liability Insurance Policy for Non - Industrial Risk

Commercial General Liability Insurance Policy

Commercial Umbrella Liability Insurance Policy

Specialised Professional Indemnity Policy

Financial Institutions Professional Indemnity Policy

Bankers Indemnity Policy

Electronic and Computer Crime Insurance Policy

Credit Card Insurance Policy

Fidelity Guarantee Insurance Policy

Fidelity , Money And Security Insurance Policy

Directors And Officers Indemnity Policy

Computer Services and Software Developers Professional Liability

Insurance Policy

Multimedia Professional Liability Insurance Policy

Internet Content Liability Insurance Policy

Internet Professional Liability Insurance Policy

Internet Security Insurance Policy

Technology Professional Liability Insurance Policy

Marine Cargo Policy with Library of Clauses

Marine Advanced Loss of Profit Insurance Policy

Port Authority Liability Insurance Policy

Stevedores Liability Insurance Policy

Wharfinger Liability Insurance Policy

Marine Terminal Operators Comprehensive Liability Insurance Policy

Burglary Policy

Money - In Safe and In Transit Policy


3rd

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171


Plate Glass Policy

Neon Sign Insurance

TV Insurance

Pedal Cycles Insurance

All Risks Policy

Baggage Insurance

Animal Driven Cart Insurance

Agricultural Pump Set Insurance

Sugarcane Crop Insurance - Inputs

Live Stock Insurance

Cattle Insurance

Sheep Insurance

Poultry Insurance

Pet Dog Insurance

Personal Accident Insurance �

Individual & Group Insurance

Travel Health Insurance - Individual & Group

Group Health Insurance

Individual Health Insurance

Shop Package Policy

Office Package Policy

Home Package Policy

Farmer Package Policy

Asset All Risks Policy*

* Products introduced After March, 2003


3rd

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173

TABLE -33

APPOINTED ACTUARIES OF NON-LIFE INSURERS(as at 31st March, 2003)

Bajaj Allianz General Insurance Co. Ltd. Govindan Varadarajan

Cholamandalam MS General Insurance Co. Ltd. Kalapatapu Purnachandra Sarma

General Insurance Corporation of India � Life Re-insurance Deptt. Lalgudy P. Venkataraman

HDFC CHUBB General Insurance. Co. Ltd. Narayanan Laxmanan

ICICI Lombard General Insurance Co. Ltd. Piyush I. Majmudar

IFFCO-Tokio General Insurance Co. Ltd. A. P. Peethambaran

National Insurance Co. Ltd. Bhudev Chatterjee

The New India Assurance Co. Ltd. Anand Ramachandra Prabhu

Reliance General Insurance Co. Ltd. N. Gopalakrishna Pai

Royal Sundaram Insurance. Co. Ltd. O. Laxminarayana

TATA AIG General Insurance Co. Ltd. Kasim Hanumantha Rao

The Oriental Insurance Co. Ltd. Prem Gupta

United India Insurance Co. Ltd. Sarangaraja Krishnan

�product design and pricing� and the �quality of theservice rendered�. The insurers are well aware of thesecustomer requirements.

Further, the notification of the regulations pertainingto protection of interest of policyholders has also laiddown benchmarks for customer services. All insurersare required to comply with these benchmarks. Asanother step in the servicing of the customers, theAuthority constituted a Consumers Grievances Cell(CGC) in December, 2002, to take up the complaintsreceived from the insured with the respective insurers.It is heartening to report that the efforts of the Authorityhave yielded results in resolving the complaints ofthe policyholders. The details regarding the CGC aregiven in Part II (vi) of the Report, with Tables 49and 50 giving the status of the complaints receivedby the Authority.

(iii) Customer Service

The Authority, while perceiving a need for a vibrantforce of agents to meet the aspirations of thepolicyholders, laid down training as one of theprerequisites for licensing of agents. Accordingly,insurers have set up accredited divisional and regionaltraining centres to impart training to the agents asper the norms laid down by the Authority.Simultaneously, while notifying the regulations forcorporate agents, brokers, surveyors and TPAs, theAuthority has laid down training requirements forthem. The emphasis is on ensuring that theintermediaries are fully equipped to understand therequirements of the clients, and are well equippedto advise them accordingly. Today, insurers are layingtop priority on servicing of the policyholders. Thisis particularly significant as the market is slowlybecoming more competitive. The two factors whichcould impact the choice made by a customer are


3rd

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175

The Councils of the life and the non-life insurers havealso guided the insurers towards taking steps forvoluntary adoption of practices in the interest of thepolicyholders. In this direction, the life insurers wereadvised by their Council in May, 2003 to adoptstandards of conduct and sound practices for renderingefficient service to the holders of life insurance policies.

With a view to facilitating servicing of the customer,insurers have commenced generating reports throughIT-based platforms on such aspects as policy issuance,claims reported, claims paid, claims outstanding,claims disposal ratio, non-suit claims disposal ratio,premium refund, endorsements and grievance re-dressal ratio. Insurers keep checks on own performanceagainst the benchmarks established in-house; havetaken up customer relationship management projectsfor their customer service centres which have beenset up at various locations through out the country;and have set up call centres to cater to the variedneeds of the policyholders, in addition to impartinginformation on various products. Some companieshave also started providing mobile claims service.Insurers have also set up grievances cells and theperformance of these Cells is closely monitored ona regular basis. �May I Help You� and informationfacilitation counters have also been established. Inaddition, schemes such as Jald Rahat Yojana andNeedhi Melas have been popularised to dispose ofclaims speedily.

With the insurance industry fast emerging as a buyers�market, insurers would have to gear themselves upto provide quality customer service and, in this trajectory,information technology would continue to play acrucial role. Those insurers who are capable ofresponding to the needs of customers in terms ofboth products offered and servicing thereafter shallemerge as leaders in the evolving competitiveenvironment.

During the year 2002-03, LIC adopted the revisedCitizen�s Charter placing higher responsibility on itspersonnel handling the back office operations witha view to achieving the highest levels of standardsin servicing which, as per the management, are morestringent than the mandate given under thepolicyholders� regulations.

C. DETAILS OF REGISTERED INSURERSAND RE-INSURER

The details of the registered life insurers, non-lifeinsurers and the re-insurer are placed at Tables 34to 36. The tabulations give the names of the insurers,the type of business being underwritten by them, thedate of commencement of their operations, theirprincipal officer and the contact details.


3rd

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177

C.

DET

AIL

S O

F R

EGIS

TER

ED I

NSU

RER

S A

ND

REI

NSU

RER

TAB

LE -

34

DET

AIL

S O

F LI

FE I

NSU

RER

S

Reg.

Nam

e of

the

Com

pany

Nam

e of

Tele

phon

e N

o./F

ax N

o./

Type

of B

usin

ess

Dat

e of

N

o.Pr

inci

pal O

ffice

rE-

Mai

l & W

eb A

ddre

ssCo

mm

ence

men

t(a

s on

31.

3.20

03)

of B

usin

ess

116

ALLI

ANZ

BAJA

J LI

FE IN

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D. POLICIES AND MEASURES TODEVELOP THE INSURANCE MARKET

Moving forward on the foundation laid in the initialyears of its operations, the Authority has taken anumber of initiatives during the financial year2002-03. Some of these are listed below:

1. It would be recalled that the annual renewal feefor the insurers registered with the Authority, wasreduced from 1/5th to 1/10th of 1 per cent ofthe gross written premium in the financial year2001-02 for the said year. Further, the InsuranceAdvisory Committee had approved the extensionof the benefit for another two years i.e.2002-03 and 2003-04, which was adopted bythe Authority. As per notification issued in February,2003 the regulations pertaining to registrationof Indian insurance companies, were amendedto reduce the registration fee from 1/5th to1/10th of 1 per cent of the gross direct premiumunderwritten.

2. Protection of Policyholders� Interests Regulations,2002 were notified to provide for policy proposaldocuments in easily understandable language,claims procedure in both life and non-life, settingup of grievance redressal machinery, speedysettlement of claims and policyholders� servicing.These provisions were in addition to the alreadyexisting guidelines pertaining to filing of productsunder �File and Use�. Interest on delayed paymentof the claims and a free look-in period of15 days by the prospects/policyholders are theadditional features of these regulations. Theseregulations were further modified to provide forclarity while stating the scope of the benefits ofan insurance product, and laid down the limitsfor riders vis-à-vis the base product.

3. The regulations pertaining to distribution of surpluswere notified to provide for life insurers to distributemaximum of up to 10 per cent of the surplusto the shareholders in case of participating policies,and up to 100 per cent of the surplus, in caseof non-participating policies.

During the financial year 2002-03, with the notificationof the Insurance (Amendment) Act, 2002, the followingregulations were also notified by the Authority:

l Licensing of Corporate Agents, and InsuranceBrokers Regulations, 2002 to increase the channels

of distribution of insurance products. Theregulations have facilitated the entry of banks,NBFCs, Cooperatives and NGOs into the areaof selling and distribution of insurance products.

l Manner of Payment of Premium Regulations,2002 provide for payment of insurance premiumthrough credit cards, money order and throughinternet to facilitate the convenience of customers.

l Obligations of Insurers to Rural or Social Sectors(Amendment) Regulations, 2002, while replacingthe earlier regulations, redefined the word �rural�and also inserted the definition of �informalsector�. The obligations of the life insurers wereincreased for the financial year 2002-03 andonwards. These regulations were effective fromthe financial year 2002-03.

l With the introduction of bancassurance, theAuthority also issued guidelines for the life insurersto enter into referral arrangements with the banks.

Review of the insurance law:

The process of liberalisation of the insurance sector,which commenced about three years back, haswitnessed a sea change in the industry with new privateplayers entering the market. The process has resultedin the need for comprehensive review of the regulatoryand supervisory environment for these players. Withthis end in view, the Law Commission, at the requestof the Authority, has initiated the exercise of reviewof Insurance Act, 1938 and other related legislationsto harmonise the insurance laws in tune with theliberalised economic environment prevailing in theeconomy in general and particularly in the contextof the insurance industry. As part of the exercise,the Commission is also assessing the need for a singlecomprehensive legislation for the insurance industry.

The Commission has released a white paper on thesubject and wide ranging discussions have been heldwith various bodies including chambers of commerce,industry and various stakeholders. The Authorityconstituted a core group to assist the Law Commissionin this regard, and its views on various aspects arebeing examined.


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E. RESEARCH & DEVELOPMENTACTIVITIES UNDERTAKEN:

In its efforts to promote Research and Developmentactivities in the insurance sector, the Authority incollaboration with the Government of Andhra Pradeshhas founded the Institute of Insurance and RiskManagement (IIRM) at Hyderabad. IIRM has beengiven the mandate to conduct research in the financialareas and it is perceived that the Institute shall bedeveloped as a centre of excellence and as a rolemodel for the Asia Pacific Region. (The activitiesof IIRM are dwelt with at length in Part III of theReport). Other than this, the Centre for InsuranceResearch and Education already set up at IndianInstitute of Management (IIM), Bangalore carries outbasic research work on special aspects of insurance.Based on the research study on rural insurance carriedout by the Centre, the Authority had notified theamendments to the regulations pertaining to obligationsof insurers to the rural and social sectors, which weremade applicable from the financial year 2002-03.

The insurers have also been conducting market researcheither in-house or through professional agencies tointroduce tailor-made products targeted at specificsegments of the population. Risk assessment studiesare being carried out for measuring accumulationof risk at a particular place at any one point of time.Consumer awareness campaigns are being encouragedto improve insurance literacy levels by conductingworkshops, distributing literature, etc. Some of theinsurers have come forward in the form of sponsoringchair professorships, announcing scholarships, andannouncing grants for the development of the insuranceprofession with special reference to actuarial sciences,besides conducting seminars and conferences. Similarly,other institutions at university/college levels are beingencouraged to introduce diploma courses in insurancewith the aim of promoting the profession of insurance.The industry has also been witness to introductionof such concepts as Embedded Value (EV) � atechnique for measuring the market value of a lifeinsurance company, which is aimed at facilitatingmanagements� efforts at evaluating their performance.As the industry evolves, additional managementtechniques would emerge, on the basis of variousefforts at research and development being initiatedby the various stakeholders in the industry and bythe academicians.

ING group in collaboration with FICCI has also setup a research centre. This centre had produced afilm touching upon the various aspects of insuranceand pension coverage.

F. REVIEW

i) Protection of interests ofpolicyholders

One of the critical areas of responsibilities of theAuthority is to provide for protection of the interestsof holders of insurance policies. To give effect tothis objective the Authority notified the Protection ofPolicyholders� Regulations in April, 2002, which providefor the policy proposal documents being made availablein an easily understandable language, outlines theclaims procedure in both life and non-life segments,setting up of grievance redressal machinery, speedysettlement of claims and policyholders� servicing.These provisions are in addition to the already existingprovisions pertaining to filing of products under �Fileand Use�. Interest on delayed payment of the claimsand a free look-in period of 15 days by the prospects/policyholders are the additional features of theseregulations. These regulations were modified inOctober, 2003 following representations receivedfrom various stakeholders in the industry. Theamendment relates to sub-regulation (1) of regulation3, which permits an insurance company to chargepremium up to 100 per cent of the premium of thebasic product in case of health related or criticalillness riders and a limit of 30 per cent of the premiumof the basic product for all other riders. In addition,under the file and use procedure, all insurers arerequired to file the insurance products with the Authoritybefore their launch in the market so that it can beverified that the interests of the policyholders are wellprotected, under the terms of the policy document.

The other steps taken by the Authority to protect theinterests of the policyholders include:

l constitution of a Cell within the Authority headedby the Executive Director to receive complaints/grievances from the holders of insurance policies.The Cell looks into genuine cases of delay inthe settlement of public grievances. However, theCell does not function as an underwriter nor doesit decide on issues like the adoption of underwritingpractices, the claims procedure etc., by the insurers;


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l making it compulsory for every life insurer tomake available the premium rates with a facilityof a premium calculator on its web-site, for theinformation of public;

l representatives of the Chambers of Commercehave been nominated on the Insurance Councilsand the Tariff Advisory Committee (TAC), toensure that the views of the consumers areconsidered, while taking policy decisions;

l insurers are required to have a consumerrepresentative on their Board;

l it is obligatory on the part of the insurancecompanies to disclose clearly the benefits, termsand conditions under the policy document;

l advertisements issued by the insurers are requiredto make proper disclosures in order to ensurethat they do not mislead the insuring public;

l insurers are required to set up proper grievanceredressal machinery at their head office and atthe other offices in the country.

l Third Party Administrators have been introducedin the health sector, to provide improved healthinsurance services viz., cashless cover, and otheradd on facilities.

l To serve better the interests of the insured publicin general and insurance industry in particular,brokers have been licensed as intermediaries. Thebroker renders advice on appropriate insurancecover and terms thereof, keeps up to date onthe variety of available insurance products andsubmits quotations received from insurers forconsideration of the client.

The Authority also protects the interests of thepolicyholders by ensuring that the insurers maintainthe prescribed solvency margin. Maintenance of thesolvency margins by the insurers is an indication thatthey are in the position to meet their obligationstowards policyholders with regard to payment ofclaims.

ii) Maintenance of solvency marginsof insurers

The IRDA (Assets, Liabilities and Solvency Margin ofInsurers) Regulations, 2000 require all insurers to

maintain an excess of value of assets over liabilities,to the extent of not less than Rs.50 crore, or a sumequivalent based on the prescribed formula given inIRDA (Actuarial Report and Abstracts) Regulations,2000.

Similarly, in respect of general insurers, a minimumsolvency margin of Rs.50 crore is required to be:maintained (Rs.100 crore in case of a reinsurer) ora sum equivalent based on formula given in IRDA(Assets, Liabilities and Solvency Margin of Insurers)Regulations, 2000.

In addition, the registration requirements stipulate thatall insurers are to maintain a solvency ratio of1.5 times the normal requirement.

At the time of registration, it was envisaged that thenew players would take about five years to stabilisetheir operations, and may have to fund their initialunderwriting losses through additional inflow of funds.However, the insurers are required to meet the solvencymargin requirements at all times, and the Authorityplaces great importance on this parameter as anindicator of the health of respective insurers andprotection of the interests of policyholders. Thus,monitoring of solvency margin certified by the appointedactuary of the insurers is an important function ofthe Authority. All insurers file with the Authority anannual statement as per the IRDA (Assets, Liabilitiesand Solvency Margin of Insurers) Regulations, 2000or IRDA (Actuarial Report and Abstract) Regulations,2000 giving the status of their solvency position.

During the financial year 2002-03 all insurers, includinglife, non-life and re-insurer have complied with thesolvency requirements, as laid down in the InsuranceAct, 1938.

iii) Monitoring of reinsurance

While laying down the regulations for reinsurance,the Authority has laid stress on each insurer maintainingmaximum possible retention commensurate with itsfinancial strength and volume of business. It is inthis context that the Authority may require an insurerto justify its retention policy, and reserves the rightto give such directions as are considered necessaryto guard against any Indian insurer merely frontingfor a foreign insurer. The reinsurance programme ofeach insurer, carrying on general insurance business,


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examination of the reinsurance programmes, it hasbeen observed that the private players are constrainedby lack of capacity and are therefore trying to keepa higher retention and protect themselves by an excessof loss cover. On this retention, the insurers drawup their company�s surplus treaties running into anumber of lines. These insurers are participating inthe market surplus treaties organised by GIC, thenational re-insurer. On the other hand, the publicsector companies because of their high net worth,are able to muster higher net retentions. Consequently,their reinsurance programmes are quite distinct fromthose of the private players. In addition, these insurers�surplus treaties do not have as many numbers oflines when compared to the private players. The publicsector insurers, nevertheless, follow the same structureof having company surplus treaties and participatein the market surplus treaties.

The opening up of the sector has seen a declinein the net retentions in the country. This is, but, anexpected development. While, earlier the entireprogramme was placed through the GIC and enteredthe international market as one block, with the entryof new players and with the autonomy granted tothe State owned companies, each of these insurersdrew up a separate re-insurance programme, andentered the reinsurance market as a separate entity.The decline in the retentions, however, has been small.

The analysis of the information furnished by the privateplayers reveals that the retention ratio for fire andthe engineering segments is only 17 per cent on anaverage. Motor, health and personal accident arereasonably good (in the range of 70 per cent - 78per cent) with the companies keeping large proportionof the premium to themselves. The net retention ofthe private players, excluding motor, is 32 per centand goes up to 47.5 per cent on including motor.

Though the final figures of the public sector playersare still awaited, the retention ratios, excluding motor,have been indicated to be around 75 per cent.

Table 37 gives details of obligatory cession receivedby GIC.

is also required to be guided by the basic tenetsof developing adequate capacity; securing the bestpossible protection for the reinsurance costs incurred;and simplifying the administration of business.

In the case of life reinsurance, every life insurer shalldraw a programme of reinsurance in respect of livescovered by it and have the same duly certified bythe Appointed Actuary. Further, the profile of sucha programme, duly certified by the Appointed Actuary,giving the name(s) of the reinsurer(s) with whom theinsurer proposes to place business, are required tobe filed with the Authority, at least forty-five days beforethe commencement of each financial year. TheAuthority may, if it considers necessary, elicit fromthe insurer any additional information, from time totime, and the insurer shall furnish the same.

The Authority is particularly concerned that insurersceding abroad do so only after utilisation of thenational capacity; on competitive international terms;and that the business placed with any one re-insurershould not be excessive. Thus, every insurer is requiredto offer an opportunity to other Indian insurers,including the Indian re-insurer to participate in itsfacultative and treaty surpluses before placement ofsuch cessions outside India. Insurers are also requiredto place their reinsurance business outside India withonly those re-insurers who have over a period ofthe past five years counting from the year precedingfor which the business has to be placed, enjoyeda rating of at least BBB (with Standard & Poor) orequivalent rating of any other international ratingagency. Placements with other re-insurers require theapproval of the Authority. Surplus over and abovethe domestic reinsurance arrangements class-wise canbe placed by the insurer independently subject toa limit of 10 per cent of total re-insurance premiumceded outside India being placed with any onere-insurer. Where it is necessary to cede a shareexceeding such limits to any particular re-insurer, theinsurer may seek the specific approval of the Authorityfor the same.

With this background, insurers have been filing theirreinsurance programmes with the Authority. On closer


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TABLE - 37

OBLIGATORY CESSIONS RECEIVED BY GIC

Max. Reinsurance Profit CommissionClass % Liability Commission Reserves

per risk oblig Pool Oblig Pool

Fire 20% Rs. 50 crs. 30% Nil Nil NilPML

Marine 20% Rs. 10 22.50% Nil Nil NilCargo crores S.I.

War / SRCC 20% No Limit 10% Nil Nil Nil

SRCC 20% No Limit 10% Nil Nil Nil

Renderedin 3rd year

Marine Hull 20% Rs. 16 crs. S.I. 17.5% 17.5% Profit for 3 NilCommission preceding

shall u/w years

Motor, WC 20% No Limit 25% Nil applicable Nil Nil

Aviation Hull 20% No Limit 10% Nil on the Nil Nil

Aviation 20% No Limit 15% Nil aggregate Nil NilLiability results of

Oil & Energy 20% Rs. 2 crs. 2.5% Nil statutory Nil Nil

portfolio @20%

Liabilities(Public Liab. 20% No Limit 25% Nil Nil Nil& Products

Liab.)

Other Misc. 20% No Limit 25% Nil Nil Nil

MB/ BE/ LOP 20% Rs. 15 crs. 25% Nil Nil Nil PML or Rs. 45

crs. S.I.

CAR/ EAR 20% Rs. 30 crs. 25% Nil Nil Nil Nil

ALOP/ DSU PML or Rs.90 crs. S.I.

Non-Standard Liability covers such as- Product Recall }- D & O } 20% on case to case basis -- E & O } Maximum obligatory Cessions limit from Rs. 2 to 5 crores.- Professional Indemnity }- Comp. General Liability }- Other Liability }


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obtained from re-insurers, under intimation to the PoolManager.

During the financial year 2003-04, the GIC, PoolManager to the terrorism pool, has arrangedreinsurance protection for the Pool effective April,2003. The renewal has been effected at expiring costfor existing limits. The maximum amount payable bythe Pool on a per risk basis is Rs.200 crore, irrespectiveof the sum insured. In the event of multiple riskswithin the same location (compound), the maximumloss payable by the Pool for any one event is Rs.200crore for all risks within the same compound. Inaddition, GIC has arranged facultative facility forterrorism risks with the limits Rs.300 crore in excessof Rs.200 crore.

Reinsurance Advisory Committee:

The Reinsurance Advisory Committee, constituted undersection 101B of the Insurance Act, 1938, by theAuthority, with the prior approval of the CentralGovernment, continued to meet periodically to discussissues pertaining to reinsurance including re-insurersfiling their reinsurance programmes within 45 daysof the commencement of the financial year; insurersdemonstrating maximum retention consistent with theirrespective net worth and volume of business; availingof the opportunities offered by the national re-insurerif it matches or offers better terms vis-à-vis theinternational rates; place reinsurance with one another,both treaty and facultative � the placements abroadneed to be subject to signing down to the extentshares are placed within the country; obtain optimumterms for reinsurance as to minimise the outflow offoreign exchange; and ensure prompt documentationfollowing placement and furnish the statisticalinformation pertaining to re-insurance with the Authorityas per the prescribed formats. As per the decisionof the Reinsurance Advisory Committee, the Authorityrequires a compulsory cession by the insurers carryingon general insurance business at 20 per cent subjectto limits in fire, engineering and energy business.Cessions in respect of public and product liabilitybusiness have also been indicated at 20 per centon quota share basis without any limits. Thecommissions and profit commissions for each class

Indian Market Terrorism Pool

Following the September 11 attacks on the WorldTrade Centre, in USA, the Indian insurers were leftin a lurch with no re-insurer willing to extend reinsurancesupport for terrorism cover. The implications of this,for the Indian insurers, were that they could end updeclining terrorism cover to their insurance customers.Such a development did not bode well for the industryin particular and for the country at large. The Authorityheld discussions with all the stakeholders in theindustry with a view to evolving a consensus on theways and means to find a solution to this extraordinaryevent in the light of the unprecedented circumstances.It was then decided to set up a separate pool tobe administered by GIC for providing terrorism coverto all insured.

The maximum loss payable by the Pool under theterrorism cover is Rs.200 crore per risk. The term�per risk� is as defined by the TAC. The memberinsurance companies have a share in loss retentionof the Pool as per the agreement signed with eachone of them. The Pool is protected by an excessof loss cover in two layers with an underlying of Rs.100crore as under:

Layer 1: Rs. 100 crores in excess of Rs.100 crorefor any one event.

Layer 2: Rs. 200 crores in excess of Rs.200 crorefor any one event.

For the year 2002-03, the cost of excess of lossprotection was allocated between the participantsbased on the share of individual member companies.However, for the financial year 2003-04, the fundsof the Pool have been utilised towards meeting thesaid costs.

In order to address cases of multiple insurance andalso where both fire and engineering insurance coversare issued, the Tariff Advisory Committee was askedto place a limit of Rs.200 crore loss per locationto be applicable on the aggregate of losses underboth Fire and Engineering insurances. Any insurerseeking insurance cover in excess of Rs.200 crore(as provided by Tariff), is at liberty to do so at terms


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of business, in addition to laying down the proceduresfor maintenance and settlement of accounts, havealso been specified.

Presently, the Reinsurance Advisory Committee consistsof the following members:

(a) C. N. S. Shastri, former Managing Director, GICof India and the former Adviser to Bank Negara,Malaysia;

(b) A. C. Mukherjee, former CMD, New IndiaAssurance Co. Ltd.;

(c) P. C. Ghosh, Chairman, GIC;

(d) S. V. Mony, CEO, AMP Sanmar and the formerChairman, GIC.

Mr. N. K. Shinkar, former Chairman, Life InsuranceCorporation of India continues to be the specialinvitee at the meetings of the Committee.

iv) Monitoring of investments of theinsurers

The insurance sector, on account of the huge sizeof the funds that it attracts, plays a crucial part inthe deployment of the same. These funds need to

necessarily be invested in such manner as to ensurean asset liability match as to equip the insurers tomeet their obligations to their policyholders, as andwhen the claims obligations arise. The other side ofthe coin, of course, is the role that the insurers playin creation of wealth in the economy. The regulationsframed by the Authority lay down guidelines forinvestments by the life and non life insurancecompanies, including the exposure norms/ prudentialguidelines. The requirements laid down by the Authorityaddress the dual objectives of the safety and returnsto the insurers combined with their meeting the socio-economic objectives of nation building, particularlytargeted at the infrastructure and the social sectors.

The Authority has mandated the pattern of investmentsto be followed by the insurance companies. Investmentsin Government securities, approved securities, approvedinvestments and in infrastructure and social sectorshave been prescribed in the Insurance Act, 1938 andthe regulations framed thereunder. The Authority hasalso specified that every insurer carrying on thebusiness of life insurance shall invest and at all timeskeep invested its controlled fund (other than fundsrelating to pension and general annuity business andunit-linked life insurance business) in the followingmanner:

TABLE - 38

PATTERN OF INVESTMENTS SPECIFIED BY THE AUTHORITY - LIFE INSURANCE

S.No Type of Investment Percentage

i) Government securities 25%

ii) Government securities or other approved securities (including (i) above) Not less than 50%

iii) Approved Investments as specified in Schedule-1

a) Infrastructure and Social Sector Not less than 15%

b) Others to be governed by Exposure Norms. (Investments in �Other than in Not exceeding 35%Approved Investments� in no case exceed 15% of the Fund).


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In the case of pension and general annuity business,every insurer shall invest and at all times keep invested

its funds, under these segments, in the followingmanner:

In the case of unit linked life insurance business, everyinsurer shall invest and at all times keep invested itssegregated fund of unit linked life insurance business asper the pattern of investment offered to and approved bythe policyholders. Unit linked policies may only be offered

where the units are linked to categories of assets whichare both marketable and easily realisable. However, thetotal investment in other than approved category ofinvestments shall at no time exceed 25 per cent of thefund. (Refer Table 40).

Insofar as general Insurance or reinsurance businessis concerned, every insurer shall invest and at all

times keep invested its total assets in the mannerset out below: (Refer Table 41)

TABLE - 39PATTERN OF INVESTMENTS SPECIFIED BY THE AUTHORITY -

PENSION AND GENERAL ANNUITYS.No Type of Investment Percentage

i) Government securities, being not less than 20%

ii) Government securities or other approved securities 40%inclusive of (i) above, being not less than

iii) Balance to be invested in Approved Investments and to be Not exceeding 60%governed by Exposure/ Prudential Norms

TABLE - 40PATTERN OF INVESTMENTS SPECIFIED BY THE AUTHORITY - LINKED

LIFE INSURANCE BUSINESSS.No. Type of Investment Percentage

i) Approved Investments Not less than 75%

ii) Other than approved Investments Not more than 25%

TABLE - 41

PATTERN OF INVESTMENTS SPECIFIED BY THE AUTHORITY - GENERALINSURANCE AND REINSURANCE

S.No. Type of Investment Percentage

i) Central Government securities being not less than 20%

ii) State Government securities and other guaranteed securities 30%including (i) above being not less than

iii) Housing and Loans to State Government for Housing and Fire 5%Fighting equipment, being not less than

iv) Investments in Approved Investmentsa) Infrastructure and Social Sector Not less than 10%b) Others to be governed by Exposure Norms. However the Not exceeding 55%

investments in 'Other than in Approved Investments' in nocase exceed 25% of the Assets.


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The Authority has also been issuing clarifications/guidance notes to the insurers from time to time.In this connection, all insurers were advised, duringthe year, to file the compliance certificate as per theprescribed format along with the investment returnson a quarterly basis. The insurers are also requiredto furnish the said certificate at the end of eachfinancial year, along with a certificate from the custodianconfirming the value of the securities held and certifyingthat, the same were free of encumbrances, charges,hypothecation and lien. The insurers have also beenadvised to furnish particulars of defaults in receiptsof periodic incomes and/or principal on maturity, ona quarterly basis, and particulars of the provisionsmade/ proposed to be made on the same.

The Authority, during the financial year 2002-03, alsolaid down the guidelines for investments in mutualfunds. These investments as a temporary parkingmechanism, are required to be made only under theother than approved category. The Authority hasfurther laid down the exposure norms for suchinvestments, and has provided the norms for valuationof the mutual fund investments. As a step towardsestablishing the reconciliation between the purchasesand sales of investments made by insurers on aquarterly basis, the insurers have been advised tofile, on a quarterly basis, a reconciliation statementon the purchases and sales. The insurers have alsobeen issued directions for preparation of thesestatements.

Given the fact that the investments impact theperformance of insurance companies, and that thisis a dynamic field of operations, the Authority placesa lot of significance on accuracy of informationfurnished by the insurers on a quarterly basis. Theevolving investment environment also calls for reviewof the regulations on a regular basis. It is perhapsin this context that, it may be mentioned, the investmentregulations have undergone the most amendmentsin the last three years.

The Authority, while exercising its powers to grantexemptions, has extended limited purpose exemptionsto the insurers on a case to case basis, taking intoconsideration the merits of each case, and has issued

specific advices on some of the provisions of theInsurance Act and the Investment Regulationsformulated there under. These exemptions have beengranted under sections 27A(3) and (4) of the InsuranceAct, 1938; and under the industrial sector exposurenorms and the investee company exposure norms.The Authority has further exercised these powers toexpand the list of approved investments for life andgeneral insurers.

Analysis of the returns submitted by the life andgeneral insurers, reveals that they are broadlycomplying with the investment regulations as laiddown by the Authority. In individual cases, clarificationshave been sought from the insurers. Further, in afew instances, the insurers have had difficulty incomplying with the social sector investments due tolack of adequate avenues for such investment. However,these shortfalls have been made good by makingadditional investments under the infrastructure category.

That the Authority places crucial emphasis on prudentinvestment of funds at the disposal of the insurer,is well reflected from the detailed regulations laiddown for the insurers. As a corollary to the investmentdecisions, the insurers are also required to continuouslymonitor their portfolio, and make adequate provisionsfor any deterioration in the individual investments inthe portfolio. With a view to monitoring the investmentdecisions of the insurers, as to compliance with theregulations, prudent investment of the funds andadequate provisioning on a regular basis, the Authorityhas initiated steps towards investment audit on aperiodic basis. The Audits are carried out by charteredaccountants drawn from the panel maintained by theAuthority, along with one of the technical officers ofthe Authority forming part of the inspection team.

More recently, in the current financial year2003-04, the Authority has also reviewed and amendedthe existing regulations on investments. Theseamendments were necessitated because of the changesthat have occurred in the investment environment inthe country. Further, deregulation of interest rates,even though had helped in making financial marketoperations efficient and cost effective, the same hasled to considerable volatility in the market resulting


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TABLE - 42

COMPANY-WISE INVESTMENT DETAILS - GENERAL INSURANCEINVESTMENT DETAILS FOR THE YEAR ENDING 31ST MARCH 2003

(Rs. in Crores)

Inv.Subject

toExposure

G. Sec. Housing Infra- Social NormsStructure Sector (Incl. other

thanappoved

Inv.

1. GIC 2200.91 2699.62 688.94 686.80 - 4388.51 964.78 8463.87

2. New India 1966.96 2539.72 421.11 446.92 - 3955.21 1268.90 7362.96

3. National Insurance 1210.88 1573.95 212.50 270.02 - 1622.06 380.49 3678.52

4. United India 1616.90 2168.95 371.14 713.40 - 2110.60 624.55 5364.09

5. Oriental Insurance 981.71 1345.81 279.40 436.23 - 1898.34 331.39 3959.78

6. Reliance General 105.44 105.44 12.06 20.33 - 43.67 18.02 181.50

7. Royal Sundaram 67.75 74.55 19.80 21.66 - 54.86 0.00 170.87

8. IFFCO TOKIO 71.86 71.86 12.46 26.73 - 88.71 25.75 199.75

9. TATA-AIG General 113.67 113.67 15.92 30.18 - 70.22 40.53 229.99

10. Bajaj Allianz 102.51 107.51 24.39 34.56 - 128.35 38.69 294.81

11. ICICI Lombard 0.00 94.60 18.56 29.39 - 75.26 23.34 217.81

12. CHNHB Association 2.28 2.28 0.60 1.15 - 6.45 2.20 10.49

13. Cholamandalam 81.82 81.82 5.06 11.40 - 10.60 5.49 108.88

14. HDFC CHUBB 69.80 69.80 5.27 10.45 - 5.46 -0.34 90.98

Total (Sector - Wise) 8592.49 11049.58 2087.20 2739.21 - 14458.30 3723.80 30334.30

As At 31st March 2002

Public Sector 6630.86 8649.28 1833.49 5023.82 - 7157.51 2834.73 22664.10

Private Sector 277.06 353.28 59.48 122.11 - 201.46 137.37 736.33

Grand Total 6907.92 9002.56 1892.97 5145.93 - 7358.97 2972.10 23400.43

G. Sec.& other

ApprovedSec.

Other thanApproved

Inv.

TotalInvest-ment

(Company-wise)

InsurerSl.No.

SECTO R-WISE IN VESTMEN TS AS ON 31.3.2003- G ENERAL INSURERS (Rs in crores)

C.G.S.

S tate G ovt. &Oth App Sec

Housing & FFE

Infra

Social

App roved Invst

Other thanApproved Invst

TO TAL INVESTME NTS AS ON 31.3.2003- G ENERAL INSU RERS (Rs in crores)

National

New India

Oriental

United

Royal Sundaram

Reliance

IFFC O-Tokio

TATA-AIG

Bajaj A llianz

ICICI Lom bard

CHNHB Ass

Cho lam andalam

HDFC-Chubb

GIC


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TABLE - 43

COMPANY-WISE INVESTMENT DETAILS - LIFE INSURANCEINVESTMENT DETAILS FOR THE YEAR ENDING 31ST MARCH 2003

(Rs. in Crores)

Inv.Subject

toExposure

G. Sec. Housing Infra- Social NormsStructure Sector (Incl. other

thanappoved

Inv.*

1. LIC 138770.31 167513.04 - 30998.16 - 60221.02 1119.38 258732.22

2. HDFC STD LIFE 169.89 169.89 - 39.20 - 45.98 9.11 255.07

3. MAX NEW YORK 38.01 104.10 - 27.12 - 20.83 5.00 152.05

4. ICICI PRU. LIFE 286.76 286.76 - 63.56 - 318.38 41.37 668.70

5. BIRLA SUN LIFE 51.12 70.17 - 15.14 - 89.95 2.98 175.26

6. TATA-AIG LIFE 103.60 103.60 - 24.93 - 26.51 4.39 155.04

7. OM KOTAK LIFE 79.79 79.79 - 26.49 - 37.57 18.25 143.85

8. SBI LIFE 122.99 122.99 - 31.29 - 47.34 17.96 201.62

9. ALLIANZ BAJAJ LIFE 100.14 105.14 - 37.68 - 48.41 -0.38 191.23

10. METLIFE 57.17 57.17 - 15.18 - 18.06 7.54 90.41

11. AMP SANMAR 65.69 65.69 - 18.80 - 10.02 0.00 94.51

12. ING VYSYA 53.80 58.80 - 15.25 - 24.00 0.00 98.05

13. AVIVA LIFE 66.55 66.55 - 23.08 - 36.43 3.51 126.06

TOTAL (SECTOR - WISE) 139965.81 168803.67 - 31335.89 - 60944.50 1229.12 261084.06

AS ON MARCH 2002

PUBLIC SECTOR 128,139.04 131,400.71 - 20,498.72 - 77,046.29 16,442.00 228,945.72

PRIVATE SECTOR 674.06 776.77 - 242.15 - 404.09 79.65 1423.01

GRAND TOTAL 128,813.10 132,177.48 - 20,740.87 - 77,450.38 16,521.65 230,368.73

G. Sec.& other

ApprovedSec.

Other thanApproved

Inv.

TotalInvest-ment

(Company-wise)

InsurerSl.No.

* Revised Figures have not been incorporated.

13 99 65 .8 1

28 83 7.86

31 33 5.89

60 94 4.512 29 .12

0

Govt. Securities

State Govt. & Other App Sec

Infra

Socia l

Approved Invst.

Other than Approved Invs t.

TO TAL INVESTME NTS AS ON 31.3.2003 — LIFE INSU RERS(Rs. in Crores)

LICING Vysya

HDFC-Std. L ife

Birla Sun L ifeICICI Pru

SBI LifeOM Kotak

Metlife

Allianz Baja jMax New York

TATA-AIGAMP Sanm ar

Aviva


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in a wide array of risks for insurance companies.To manage and control these risks, there has beena felt need for appropriate financial instruments suchas Derivatives.

Also, subsequent to RBI's decision to phase out thenon-banking entities from call money market and itsimposition of certain restrictions in respect of prematureclosure, rollover and use of REPO securities etc., thedevelopment of the REPO market was affected. Keepingthese restrictions in view, Clearing Corporation ofIndia Ltd. (CCIL) has developed "CollateralisedBorrowing and Lending Obligation" (CBLO) fordeployment of surplus funds. CCIL provides a dealingplatform through which market participants can borrowand lend by exchanging CBLOs. As the product iscollateralised by Government Securities, the Authorityis notifying of this instrument as a part of "ApprovedInvestment".

As the Regulations as they presently exist, do notprescribe the exhaustive categories into which individualinvestments could be grouped, there was no uniformityin classifying investments. This distorts the true positionof Investments reported to the Authority. Hence, anexhaustive list under "Category of investments" hasbeen compiled to ensure proper compliance with therequirements of the Act. In this regard, the reportingforms have also been modified, and additional returnsintroduced. These regulations are awaiting notification.

The compilations at Tables 42 and 43 give thecompany - wise details of investments of general andlife insurers as at 31st March, 2003, respectively.

v) Health insurance

Health insurance business, or health cover, is theeffecting of contracts, which provide sickness benefitsor medical, surgical or hospital expense benefits,whether in-patient or out-patient, on an indemnity,reimbursement, service, pre-paid, hospital or otherplans basis, including assured benefits and long termcare. The very fact that the Authority places importanceon provision of health services, is reflected in thepreference being given to those applicants for grantof certificate of registration who propose to carry on

the business of providing health covers to individualsor groups of individuals.

India is incurring 5.2 per cent of its GDP towardshealthcare expenditure. The coverage of population,under the various health insurance schemes, is limitedto the extent of 15 per cent, including those coveredunder the Employees' State Insurance Scheme (3.4lakh beneficiaries), Central Government Health Scheme(40 lakh beneficiaries) and the Railways Health Scheme(12 lakh beneficiaries). In addition to the health coverprovided by the non life insurance companies, abeginning has also been made by the life insurersto provide health cover to the policyholders, albeitthrough riders.

The Authority's pre-occupation with health insuranceis on account of the need to widen the safety netby providing health insurance to cover the masses.Needless to add, health insurance would increasethe benefit of health facilities to the population atlarge, thereby also impacting the quality of life.

While, health insurance for the people of the countryhas come a long way since inception, there is a lotof ground still to be covered. On introduction of themediclaim policy by the four general insurancecompanies in 1986, these insurers had collected acumulative premium of Rs.25 crore in the first yearof the scheme's operation. The latest audited businessfigures, for the year 2002-03, reveal that the healthinsurance segment crossed the Rs.1000 crore mark.Overall, the health insurance portfolio has increasedby 50 per cent over the premium underwritten inthe previous year. It would, however, be pertinent tonote that this increase has come partly on accountof revision in mediclaim premium and additional6 per cent TPA costs by way of administrative chargesbeing levied on the insured.

The four public sector companies offer the followingvariants of health insurance policies, addressing theneeds of various sections of the society:

1. Mediclaim Policy � for general public

2. Jan Arogya Policy � for economically weakersections


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3. Community Based Universal Health InsuranceScheme � group scheme for people below povertyline. The scheme was launched by the PrimeMinister of India during the current financial year2003-04, in July, 2003.

The private sector insurers have also launched variantsof the mediclaim policy with different nomenclatures,including:

1. Health Insurance Policy (Shield) � On the linesof mediclaim policy, it has such other featuresbuilt into it as reimbursement of hospitalisationeven if it is for a period of less than 24 hours,extension of personal accident cover, cashlessfacility, etc.

2. Critical Illness policy � Similar to the productsmarketed by the public sector insurers, it is adefined benefit policy and the insurer pays thesum assured on the diagnosis of ten criticalidentified diseases.

3. Hospital Cash Policy � Under this policy, theinsurer pays a fixed amount upto a pre-determinedlimit for each day spent in the hospital, irrespectiveof the actual amount spent on treatment. Thisis also a defined benefit policy.

Amongst the issues facing the health insurance industry,absence of credible data in the health insurancemarket in the country is critical. Steps need to beinitiated to generate meaningful statistics, which couldbe the starting point for scientific pricing of healthinsurance premium. Secondly, obligations, on the linesof those specified for the rural and social sectorcoverage, could be laid down for the insurers to covera certain minimum number of lives under the healthinsurance policies and to collect a certain percentageof gross premium underwritten through the healthinsurance segment. Such an initiative could go a longway in improving penetration and coverage in thehealth segment.

Establishment of the database in the health sectorwould also provide access to the various stakeholdersto critical information, which is currently not available.The system could provide information, about patients,

with the service providers to ensure portability. Notonly this, it would also come in useful for themanufacturing sector in the health industry, includingpharmaceutical companies, manufacturers ofdiagnostic equipments, researchers and others. Thiswould facilitate cost benefit analysis. Due to thelimitations of access to data, the covers for insurancethat are available are narrow in scope. The insurancecoverage of population is scanty, restricted, costly andpoorly administered. Those covered have only anomnibus policy, with no element of risk differentiation.There is no reliable basis to measure premium costin relation to specific risk/occurrences and thepolicyholders have no choice of cover, specific totheir requirement. The insurance companies havehardly any role and no interface with hospitalestablishments in determining the reasonableness ofcharges, relative to quality of medical care provided.There are no benchmarks and no standards for billingfor these services. The health care delivery isconsequently cost-ridden which is passed on to thepatient, i.e., the policyholder. Owing to the hiddencosts in health care delivery system, without any auditor authentication of their reasonableness, healthinsurance comes with a big price tag. Additionally,there is no mechanism to check these againstestablished standards, and no benchmarks have beenattempted/ established. This scenario greatly inhibitsexponential growth of medical care / health insurancebusiness in the country.

Given the vast potential, which exists in the healthcare sector, and the changes in the demographicpattern on account of increased span of lives, it iscrucial that health insurance is popularised. Insurancecompanies can evolve strategies by translating theseopportunities into actual purchase of health insuranceproducts by building suitable underwriting systems.This segment is not only an exciting business opportunitybut also in the wider interest of the nation.

Third Party Administrators:

The Authority had notified the Third Party Administrators(TPA) � Health Services Regulations in September,2001 to introduce another intermediary named TPAin the field of health insurance. The basic idea behind


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introduction of the intermediary in the health sectorwas to facilitate provision of cashless health servicesto the clients and offer backup services to the insurers.As on date, 23 TPAs have been registered by theAuthority, of which 11 are in active business. Takinginto account the availability of the infrastructure withthe third party administrators, insurers have allocatedthe health services portfolio to them.

It is expected that with the benefits of cashless servicesbeing fully appreciated by the insured, the conceptof health insurance would get popularised. In addition,with the onus of service shifting from the insurer tothe service provider, access to health services shouldbecome that much easier � thereby giving a quantumjump to the spread of health insurance. The necessaryinputs are all there to provide the impetus to thegrowth in this sector. Health falls under the de-tariffedsegment as such the insurers can tailor their productsto meet the requirements of the insured. As a corollary,the rising costs of medical services makes it pertinentto take an medical policy to cover for the contingencyof ill-health at any given point in time. Indicationsare that with the introduction of TPAs in the healthsegment, the claims ratio has also steadily starteddeclining in the health portfolio. However, as alreadyindicated elsewhere in the Report, one of the criticalareas which needs no emphasis, and which needsto be worked upon on an urgent basis is that ofcreation and maintenance of database in the healthinsurance industry. As is evident, from the statisticsavailable on the industry, standardised data is absent.As a result, industry players � be it the insurers, theservice providers or the facilitators, feel handicappedin standardisation of the rates and services, therebyalso impacting the consumer. The Authority is activelyexamining the various ways and means for creationof such a database, which would serve the dualpurpose of both monitoring claims and also enablepricing of the health insurance products. The magnitudeof the job at hand needs consideration of the variousaspects prior to finalisation of the modalities for thesame.

However, there have been impediments in the growthof this particular line of business on account ofmultiple complaints arising in the servicing of the

insured, including repudiation of claims due toconditions/exclusions in the policy; non-settlement ofclaim/ delay in settlement of claim; cancellation ofpolicy without giving any notice; settlement of claimfor lesser amount; refusal to renew policy in caseof adverse claims experience; non-issue of list ofhospitals; improper guidance by 24 hour help lines;in-accessibility of toll-free numbers; non-receipt ofsettlement cheques within the stipulated time; non-receipt of photo identity cards; wrong insertion ofphotos/names in the identity cards; loading at thetime of renewals (whether claim/no claim); and hikein premium due to introduction of TPAs.

The concept behind introduction of TPAs not onlyneeds to be appreciated, but also requires constructivesupport from the various stakeholders in the industry.The Authority is sensitive to the problems involvedin the functioning of the third party administratorsand is amenable to introducing any measures, whichmay improve the delivery of health services by them.

Working Group on Health Insurance

A working group has been set up on health insuranceunder the aegis of USAID programme undertakento assist the Authority in its functioning in variousfields. The terms of reference of the working groupon health insurance, on which recommendations areto be submitted, include the following:

l Role and services to be provided by Third PartyAdministrators and possible expansion of theAuthority's regulatory framework;

l Standardisation of contracts, data, forms, andsystems with respect to health insurance policies andTPAs' intermediation with insurance companies,other mechanisms of health care financing, andhealth care providers;

l Role of the Authority regarding various modalitiesfor health care financing;

l Role of the Authority in ensuring that the health careproviders comply with the minimum requirementsof licensing and accreditation and in monitoringquality of care (for instance, Quality of Care Reports


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by TPAs � identification of health care providers andtheir legal and accredited status, performance,claims, etc); and

l Inter-institutional coordination for comprehensiveapproach for the development of health insuranceand of various intermediaries (viz., Ministry ofHealth, health care professional associations, andthe like).

The first meeting of the working group was held inSeptember, 2003, which was attended by therepresentatives drawn from Ministry of Health, Ministryof Finance, TPAs, insurance companies, NGOs, selffunded groups, and the Authority.

vi) Specified percentage of businessto be done in the rural and socialsector

The Committee on Reforms in the Insurance Sector,while advocating opening up of the industry to theprivate sector, had made a strong case for the newplayers being subjected to compliance of minimumstipulations for underwriting business in the rural andthe social sectors. This requirement for the industry,both life and general insurers, is laid down in theregulations framed by the Authority on obligationsof the insurers for the rural and social sectors. Itmay be recalled, that the amendments to the regulationswere notified by the Authority in the October, 2002.Under the amendments, the term "rural sector" hasbeen redefined, and the words "agricultural pursuits",elaborated. The amendments also dwell on the"informal sector". Simultaneously, the obligations forlife insurers towards the rural sector were raised. Inkeeping with the need for insurers to meet theirobligations to the society, the Authority has furtherstipulated that in terms of volume of business, noinsurer shall write rural/social sector business less thanwhat was recorded for the accounting year ended31st March, 2002. The amendments came into effectfrom the financial year 2002-03. The regulationsrequire insurers to underwrite business based on theyear of commencement of their operations. Theregulations further provide that in case of the firstfinancial year of the insurer being less than a period

of 12 months, proportionate percentage or numberof lives, as the case may be, shall be underwritten.In addition, the existing public sector insurancecompanies are required to ensure that their rural andsocial sector business in any given financial year ismore than that underwritten by them in the previousfinancial year.

Obligations of life insurers:

Of the twelve insurers who have entered the industryin the last three years, ten have met their rural andsocial sector obligations. One insurer, although wasable to comply with the rural sector obligations, fellshort of meeting the obligations towards the socialsector. In case of one insurer, who commencedoperations in October, 2002, there was a shortfallin meeting both the rural and the social sectorobligations, on a proportionate basis.

The one company in the public sector, i.e., LifeInsurance Corporation of India, was required tocomply with the regulations in the manner that thepercentage of policies issued in the rural sector forthe year did not fall below the percentage achievedin the previous year. The insurer underwrote businessas to meet its obligations towards the sector. Inaddition, the number of lives covered by the insurerin the social sector was more than those coveredin the previous year. In other words, the obligationon the part of the life insurers to serve the rural andthe social sectors has been substantially achieved bythem.

Obligations of general insurers:

Of the eight insurers who have entered the insuranceindustry during the last three years, five insurers havemet, both the rural and the social sector obligations.Out of these, in case of three insurers, whose firstyear of operations comprised of a very short span,although the financial year 2002-03, was the thirdyear of their operations, given the peculiarity of theirsituation, the said year was considered the secondyear for the purpose of determining compliance withthe requirements of the rural and social sectorobligations. In one instance, the insurer met with thesocial sector obligations. However, there was a minor


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shortfall in compliance with the rural sector obligations.In respect of the two insurers who commencedoperations during the financial year 2002-03,compliance of the rural and the social sectorobligations, on proportionate basis, could not beensured. These insurers are required to ensurecompliance with the shortfall in the financial year2003-04. Companies like Iffco-Tokio have sold theirproducts through both National and State levelCo-operatives of dairy owners, cotton growers, sugarcooperatives and Banks. The insurer's efforts havebeen a landmark in underwriting social sector business.

The four public sector insurers were required tounderwrite rural and social sector business during theyear, which was in excess of the business underwrittenin the financial year 2001-02, and this was achievedby them. As such, the public sector non-life insurersmet with their obligations under the regulationsapplicable to them. Non-Life Insurers have alsolaunched need-based packages for women's self-helpgroup, handloom weavers, artisans, tribals etc.

The opportunity for tapping the potential of solicitingbusiness from small towns and villages exists. Someof the insurers have channelised their promoter groupsto underwrite rural and social sector business withsome of the products sold to the rural market subsidisedby the insurer. However, insurers need to be consciousof the same rather than taking rural and socialobligations as just that, i.e., an obligation which needsto be complied with. Overall, those insurers who wereunable to comply with their obligations towards therural and the social sectors have undertaken to fulfillthe shortfall in the financial year 2003-04, in additionto meeting their obligations for the current financialyear, as provided in the regulations.

While on the one hand, on account of socialconsiderations, the need for spreading insurancethroughout the country is a necessity, on the other,with the purchasing power parity of the rural populationsteadily growing, the rural market offers a vast potentialfor insurance sector, which has essentially remaineduntapped so far. In order to tap these markets, thereis a need to understand the psyche of the ruralpopulace, their perception towards importance of

different types of insurance, and their willingness topurchase policies. Studies have shown that the ruralmarket holds tremendous potential for growth of theinsurance business, particularly due to the prevalenceof strong saving habits. Even the relatively low-incomefamilies tend to save about a third of their annualearnings. In the agrarian belts, the savings are higharound harvest time. The various channels of savingsinclude banks, post offices and informal institutionslike local lenders, and jewelers. This of course, isin addition to the agent force. Similarly, auto dealersfinancing vehicles create awareness for motor vehicleand tractor insurance. It is, however, a matter ofconcern that other than in cases of mandatoryrequirements, spontaneous awareness levels are low,particularly for general insurance products. In addition,there is no felt need for insurance.

In terms of life insurance, to cover a wider segmentof communities, Group Insurance Schemes and otherMultiple Policies can be designed as viable and betteralternatives. Products, which cover such risks as deathof chief wage earner, accidents, crop failure/destruction, natural disaster etc., could be particularlyappealing to the insured. In addition, people withhigher earning capacity and educational levels couldbe tapped by designing customised insurance products,as these serve the dual objective of providing savingand security, which could be critical during times ofunforeseen personal crisis. In addition, adequateawareness needs to be created for the new insurers,so as to develop a sense of trust in them.

In addition, covering health, property and crop arecrucial for the rural populace. Additional benefits asloan facility, life plus accident or life plus health plusaccident insurance only make the products moreattractive. Flexibility to pay in instalments as to ensurethat they coincide with harvest time is an addedattraction. Local modes of communication, particularlythrough local haats, melas, using local TVs andvernacular newspapers is a reliable route to tap thetarget audience. Using the agency network combinedwith banks and cooperatives to tap these marketsis likely to yield positive results. As regards the generalinsurance segment, the target audience particularly,has to be the affluent segment, which possesses the


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insurable assets. Studies have shown that the levelof awareness about general insurance is lowvis-à-vis the life segment. Insurers need to createawareness through a specially designed targeted planaimed at the multi-lingual and multi-cultural ruralaudience.

Overall, the extensive network built by ruraldevelopment agencies, banks, co-operative institutions,NGOs, MFIs, SHGs, Youth Clubs and Panchayatscan be tapped and effectively utilised by the insurersto penetrate the rural pockets of the country. Thegrowing purchasing power of the rural segments,coupled with opportunities, which are opening upon account of the IT, and telecom revolutions, canbe effectively utilised to ensure spread of insuranceto these sectors. Insurance companies need to translatethese opportunities into actual sale of insuranceproducts by building dedicated distribution systems.

(vii) Pensions

The Government of India approved in August, 2003the proposal to introduce a new restructured definedcontribution pension system for the new entrants tothe Central Government service, except for those inthe armed services, in the first stage, replacing theexisting system of defined pension system. The newsystem is to be available, on a voluntary basis, toall persons including the self employed professionalsand others in the unorganised sector. However,programmes under the Employee Provident FundOrganisation (EPFO) and other special providentfunds would continue to be operated as per theexisting system under the Employee Provident Fundand Miscellaneous Provisions Act, 1952 and otherspecial Acts governing those funds. Pending theenactment of a comprehensive legislation on pensions,the Government of India, constituted the interimPension Fund Regulatory and Development Authority(PFRDA) under the overall administrative control ofthe Ministry of Finance. The PFRDA will regulate anddevelop the pension market. It shall develop its ownfunding stream based on user charges, and shallperform all such functions as are necessary to enableit to effectively regulate, promote and ensure theorderly growth of the pension market. The interimbody would propose comprehensive legislation forthe regulation of the pension market.

Given the demographic changes that are taking placein the global scenario, and more particularly, in theIndian context, evolution of a reasonable pensionsystem to cover all sections of the economy is critical.While, as a first step the Central Government hasannounced a pension plan for the new entrants toCentral Government services, there are huge sectionsof the society, which are still required to be covered.Countries provide social security benefits to theirresidents in remarkably diverse ways reflectingdifferences in their levels of economic and socialdevelopment and historical experience. Tax systemsare also in place in many countries to encourageparticipation in the pension plans.

viii) Accounting and ActuarialStandards

I) Accounting Standards

The Authority had issued the Regulations for Preparationof Financial Statements and Auditor's Report ofinsurance companies in the year 2000. However,there was a felt need for streamlining the informationfurnished by the insurers and to incorporate variousclarifications issued on the same, from time to time.Accordingly, the regulations were modified and notifiedin March, 2002. Further clarifications were also issuedby the Authority on issues raised by the insurers. Inaddition certain relaxations were also allowed to thenon-life public sector insurers for the financial year2002-03, in view of the practical difficulties expressedby them.

The regulations framed by the Authority broadly fallwithin the purview of the Accounting Standards (AS)issued by the Institute of Chartered Accountants ofIndia. However, modifications have been made inrespect of the accounting standards pertaining topreparation of Cash Flow Statement (AS - 3) whichis required to be furnished to the Authority only underthe direct method; and Segment Reporting(AS - 17) the requirements of which have been mademore stringent for the insurers. The AS has been madeapplicable to all insurers irrespective of the requirementsof listing and turnover as mentioned in the AS. Thesaid modifications have been made to meet the


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specific information needs of the Authority, and donot dilute the standards laid down by the ICAI. Itmay be mentioned that the ICAI has issued 29Accounting Standards till date. Some of theseaccounting standards were revised during the year2002-03, in a limited way by the Institute of CharteredAccountants of India.

The regulations further require that the financialstatements shall be accompanied by the ManagementReport, as per the format prescribed in this regard,duly certified by the management of the insurer. TheResponsibility Statement, as required under section217(2AA) of the Companies Act, 1956 as part ofcorporate governance, also forms part of theManagement Report. The Authority has also prescribedthe format of the Auditors' Report, and laid downthe requirement of the accounts being jointly auditedby two auditors. Further, the auditors appointed bythe insurers are to be drawn from the panel maintainedby the Authority.

The Authority has prescribed guidelines forempanelment of auditors with it. These guidelinesprovide that the audit firm seeking empanelment withthe Authority must have been in existence for a periodof at least 15 years, and should have a minimumof five partners, two of whom must have spent atleast five years with the firm. With a view to adoptinghealthy corporate governance practices, the Authorityhas further prescribed rotation of auditors every fiveyears, and no two auditors can jointly carry on auditfor more than four years.

Officials of the Authority have also been associatedwith the efforts of the study group formed by theICAI to bring out guidance notes on audit of companiescarrying on general or life insurance business. TheInstitute has since published the guidance notes fortheir members. During the financial year, the Authority,jointly with the ICAI, considered important issues andshared views and ideas on audit and other relatedsubjects in the insurance industry at the macro level.Broadly, issues relating to accounting regulations andinvestments have been discussed with the ICAI.

With the requirements for disclosure in the financialstatements becoming more stringent across the globe,

the Indian industry can also expect the same tobecome more demanding in the local context. Alreadythe regulatory framework provides for standards,disclosures and transparency. The role of the auditorswould also be in the limelight as the custodians toprevent fraud and to comment on the prudentialmanagement practices. The ICAI is in the processof introducing peer review in select industries, insurancebeing one of them. Peer review aims at checkingthe accuracy of the audit work, and to examine thatthe technical issues and the statutory requirementshave been complied with. The Institute has put inplace the Peer Review Board to carry on the exercise.

II(a) Appointed Actuary System

The Authority introduced the system of AppointedActuary (AA) both for life insurance business andgeneral insurance business in India. No insurer cantransact life insurance business in India without anAppointed Actuary. Perceiving a crucial role for theappointed actuary, the Authority, while defining theprivileges and the obligations of the AA, laid downeligibility criteria in the regulations. The regulationsrequire that each life insurer shall have an AA asa full-time employee. However, a relaxation has beenmade in case of non-life companies, in that aconsultant actuary can be appointed by a non-lifeinsurer, as the appointed actuary.

Every life insurer is required to submit the statementof solvency along with its Actuarial Report and Abstractas on 31st March of each financial year, duly certifiedby the AA. In case of a non-life insurer, the AAis required to certify the rates for in-house non-tariffproducts and IBNR (incurred but not reported) reserves.

The growth of the insurance industry coupled withthe entry of private sector in the last three years,has augured well for the profession of actuaries. Thedevelopments in the profession signal evolution inthe system of appointed actuaries as they come outof hibernation and seek their rightful place in thecorporate environment. The profession can makesignificant contributions in terms of actuarial inputsin life and general insurance business management,


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pensions, insurance regulations and academics. Themajor development in the profession of actuariespertains to peer review. Professionals in the industryhave been veering around to the view that peer reviewcould result in improving the quality of actuarialservices rendered in the insurance industry. TheGuidance Note issued by the ASI is effective fromthe annual valuation to be made for the financialyear ending 2003-04. While the profession is expectedto address this issue and decide the course of action,the Authority has considered it prudent to have aprofessional panel to review the statutory reportssubmitted by the Appointed Actuary to the Authority.As per the feedback received from the profession,initiative in the matter has been welcomed. Already,as a first step in this regard, the Authority hasconstituted a Review Committee of Actuaries, w.e.f2002, comprising:

l Mr. N.K.Shinkar - Consultant Actuary, IRDA

l Mr. K.P.Narasimhan - Past President of ASI

l Mr. P.A.Balasubramanian - Member (Actuary), IRDA

The Committee reviews the statutory returns of theinsurers and examines the functions of the AA, inthe backdrop of the requirements as laid down inthe regulations in this regard.

It may be mentioned that the efforts towards peerreview, world over, are aimed at providing comfortlevels to the regulators as to the quality of actuarialwork, associated as the regulators are with theprotection of interests of the policyholders.

Another step towards professionalising the role ofactuaries is the proposed legislation to establish theInstitute of Actuaries of India. The Actuarial Societyof India was formed for advancement of the actuarialprofession in India, providing opportunities forinteraction among members of the profession,facilitating research, arranging lectures on relevantsubjects, presenting and discussing of papers, providingfacilities and guidance to those studying for actuarialexaminations etc. The draft Institute of Actuaries Bill,2002 aims at granting statutory powers to the Actuarial

Society of India to regulate and develop the professionof actuaries. The Authority forwarded its commentson the draft bill to the Government of India, andalso gave evidence to the Parliamentary StandingCommittee in this regard.

The ASI has revised the code of conduct for itsmembers. The Memorandum of Professional Conduct& Practice (PCS) which was revised in May, 2003provides guidance for professional conduct to whichall members must conform in both letter and spirit.Actuaries are expected to maintain a high level ofprofessional competence in the global context as toserve the cause of public interest.

The lists of appointed actuaries in the life andnon-life insurance companies are placed at Tables18 and 33, respectively.

II(b) Actuarial Standards

The Actuarial Society of India has been entrusted withthe task of preparation of guidance notes (actuarialstandards) for the actuaries with the concurrence ofthe Authority, in certain specified areas. The ActuarialSociety of India issued the first such Guidance Note(GN-I ) on "Appointed Actuaries and Life Insurance",constituting a professional standard, covering theresponsibilities of the Appointed Actuary towardsmaintaining the solvency of the insurer, meeting thereasonable expectations of the policyholders, and toensure that the new policyholders are not misledwith regard to their expectations.

The ASI has also formulated the guidance notes for"financial condition report" and the "peer review andthe appointed actuary" which are effective 1st April,2003.

Recently, the ASI issued a Guidance Note (GN-II)for the appointed actuaries working in the generalinsurance industry. The guidance note covers suchaspects as nature and responsibility of appointedactuaries, considerations effecting their position, theextent of their responsibility and duties, premium ratesand policy conditions for new products and existing


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products on sale, capital requirements, actuarialinvestigations, premium and claims reserving, writtennotes and guidance to actuaries who are directorson the boards of, employees or consultants to ageneral insurance company.

Mortality & Morbidity Investigation Bureau (MMIB):The Bureau has been set up under the aegis of ASI.The main objective of MMIB shall be to provideservices to the actuarial community in scientificperformance of its functions, by studying the recenttrends in mortality, morbidity and other specific risk -implied contingencies, and to produce experiencebased tables and statistics. This would benefit theLife Insurance Industry at large. In the long run, theMMIB would also establish contacts with the academicinstitutions and through interaction develop academicexpertise and be able to undertake technical studiesin various areas. The Bureau has been set up tocollect data from the various insurers, and to compilethe mortality and morbidity tables based on theexperience of the insurers. The ASI is also taking inputs

from the USAID team for the project. The MMIB isbeing constituted as a separate legal entity. The ASIin conjunction with the UK Institute of Actuaries'equivalent body, the Continuous Mortality InvestigationBureau (CMIB), has been carrying out preliminarywork on the establishment of the MMIB. A keyfunctionary of the CMIB had also visited India toexamine the various operational aspects of such abody. The Bureau is being funded by all life insurersand by the Authority.

The mortality rates of assured lives (94�96) and ofannuitants (96�98) in the LIC are placed at Tables17(i) and (ii).

ix) Directions, orders and regulationsgiven by the Authority

With a view to providing guidance to the insurersand to clarify issues raised by them, the Authorityhas been issuing directions and orders from time totime. The gist of these orders/directions issued in theyear 2002-03 (and upto date), is given below:

List of Circulars / Orders / Notifications / Communications issued till 31st October, 2003 by IRDA

S. No. Circular/ Order/ Direction/ Date of Issue SubjectNotification/ Communication No.

1. IRDA/ Order/ Council/ 1/ 4-2002 3/4/2002 Order on nomination to the Life and General Insurance Councils toall insurers

2. IRDA/ RCS/ EMD/ 01/ 02 2/5/2002 To all general insurers on earnest money deposit on insurance quotes

3. 16/5/2002 To all insurers on Item 13(iv) of Schedule B of the IRDA�s (Preparationof Financial Statements and Auditor�s Report of Insurance Companies)Regulations, 2002

4. IRDA/ RCS/ MTP/ 10/ 02 17/5/2002 Order to all general insurers on Ceiling on Loading of premium andacceptance of exclusive third party motor proposals

5. IRDA/ RCS/ MTP/ 11/ 02 28/5/2002 Clarification on Order no. IRDA/ RCS/ MTP/ 10/ 02 dt. 17th May,2002 on ceiling on loading of premium and acceptance of exclusivethird party motor proposals

6. 11/6/2002 Appointment of joint auditors to look into the accounts of the companyto all insurers

7. IRDA/ RCS/ MTP/ 12/ 02 28/6/2002 Circulation of IRDA Order no. IRDA/ RCS/ MTP/ 10/ 02 dt. 17thMay, 2002 to the various underwriting offices of the general insurancecompanies


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8. IRDA/ RCS/ TAX/ 01/ 07 22/7/2002 Provision for reserve for unexpired risk in respect of fire and engineeringbusiness which provide for cover against terrorism risk -amendmentto Rule 6E of the Income Tax Rules, 1962 to all general insurers

9. 16/8/2002 Notice on comprehensive review of Insurance Laws to all insurers

10. 4/9/2002 Clarification on Agency Commission Structure and Discount in lieu ofagency commission to all general insurers

11. 10/9/2002 Clarification on the role of Investment Committee constituted underregulation 9 of IRDA�s (Investment) Regulations, 2002 to all insurers

12. 10/9/2002 Comments on draft IRDA�s (Manner of payment of premium)Regulations, 2002 to all insurers

13. 14/9/2002 Furnishing of information to Office of the Commissioner Central Excise,Mumbai - V giving the service tax registration details to all insurers

14. 3/10/2002 Breach of Tariff in case of loading on Motor TP premium by insurancecompanies to general insurers

15. 3/10/2002 Decisions taken in the Insurance Advisory Committee meeting held inHyderabad on 23rd September, 2002 to all insurers

16. 24/10/2002 Notice to all insurers on regulations and amendments prepared bythe Authority under the provisions of the Insurance Amendment Act,2002

17. 29/10/2002 Circular on ceiling on loading of premium and acceptance of exclusivethird party motor proposals to general insurers

18. 31/10/2002 Notification on Constitution of Justice Rangarajan Committee on de-tariffing of motor tariff to general insurers

19. 31/10/2002 Notice stating that Authority recognises Administrative Staff College,Hyderabad to impart practical training and conduct examination forCEO�s/ CAO�s of TPA�s

20. 1/11/2002 Addendum to notification on constitution of Justice RangarajanCommittee on de-tariffing of motor tariff to all general insurers

21. 11/11/2002 Reconciliation of SGL/ CSGL Accounts by all insurers

22. 12/11/2002 List of training institutes to provide training to candidates appearingfor examination of insurance brokers

23. 12/11/2002 Notice pertaining to licensing of corporate agents to all insurers

24. 15/11/2002 Syllabus for surveyors and loss assessors examination

25. 19/11/2002 Licensing of insurance brokers, their training and examination

26. 25/11/2002 Implementation of Surveyors and Loss Assessors Regulations, 2000,their categorisation and application of financial limits by generalinsurers



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27. 1/12/2002 Supplement to Circular No. IRDA/ ACTL/ FUP/ VER 2.0/ Dec 2001pertaining to File & Use procedure to all life insurers

28. 4/12/2002 Renewal fees of registration of the insurers

29. 4/12/2002 Introduction of Standard Pension Plan to life insurers

30. 5/12/2002 Remission of levy @ 0.10 per cent of the gross annual premium to theAuthority by all insurers

31. 5/12/2002 Message to all trainee surveyors and application form for insurancesurveyors examination

32. 10/12/2002 Drawing attention of the insurers to some sub-regulations of IRDA�s(Protection of Policyholders Interests) Regulations, 2002 to all insurers

33. 12/12/2002 Notice to all general insurers on the agreement between generalinsurers and TPA�s

34. 17/12/2002 Insurance policies issued in Jammu & Kashmir by general insurers

35. 18/12/2002 Order on constitution of a cell to look after consumer grievances inthe Authority

36. 19/12/2002 Requests for re-categorisation may be considered by GM(Technical)of Public Sector General Insurance Companies

37. 26/12/2002 Furnishing of statutory and accounts returns in excel formats by allinsurers

38. 1/1/2003 Designing of Professional Indemnity cover for insurance brokers bygeneral insurers

39. 3/1/2003 Action taken on complaints forwarded by the Authority to the insurersand insurance awareness campaign to all insurers

40. IRDA/ CIR/ 003/ 2003 30/1/2003 Referral Arrangement by all insurers

41. 30/1/2003 Examination programme for surveyors examination to be held inFebruary, 2003

42. 30/1/2003 Notice on issuance of licenses to insurance brokers

43. IRDA/ CIR/ 004/ 2003 14/2/2003 Referral Arrangements with banks - Life Insurance

44. IRDA/ CIR/ 005/ 2003 17/2/2003 Addendum to Referral Arrangements with banks - Life Insurance

45. IRDA/ CIR/ 006/ 2003 18/2/2003 Extension of time limit for passing Associateship examination by CEO�s/CAO�s of the TPA�s till May, 2004

46. INV/ CIR/ 001/ 2002-03 18/2/2003 Circular to all insurers regarding furnishing of compliance certificateu/s 28(2A), 28(2B)/ 28B(3) of the Insurance Act, 1938

47. INV/ CIR/ 002/ 2002-03 18/2/2003 Circular to all insurers to furnish details on investment portfolio

48. IRDA/ CIR/ 007/ 2003 26/2/2003 Circular on guidelines for mutual fund investments to all insurers

49. 5/3/2003 Notice to licensed and categorised surveyors to submit to theAuthority request for change over upto 31st March, 2003.



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50. IRDA/ CIR/ 008/ 2003 10/3/2003 Filing of copy of agreement between the insurer and TPA with theAuthority by general insurers

51. IRDA/ CIR/ 009/ 2003 11/3/2003 Service Tax for general insurance policies

52. 17/3/2003 Furnishing of monthly returns to the Authority by all licensed brokersgiving names of clients, type of business, brokerage received and anypayments made by all brokers to the Authority

53. 17/3/2003 Order under Section 64 UM(4) of the Insurance Act, 1938 directingOriental Insurance Company Limited to discharge liability under MarineHull Policy issued to M/s Coongha Marine Products,Ponnappandarnagar, Nagercoil

54. IRDA/ ACTL/ 001/ 2003 20/3/2003 Circular to all life insurers on commutation value under the individualpension products

55. 22/3/2003 IRDA Notification on modification of scales of remuneration asprescribed in regulation 19 in respect of fire and engineering class ofbusiness for general insurers

56. IRDA/ CIR/ 010/ 2003 27/3/2003 File and Use procedure by all life insurers

57. IRDA/ CIR/ 011/ 2003 27/3/2003 File and Use procedure by all general insurers

58. 28/3/2003 Communication to all appointed actuaries of life insurers on NLB-1and NLB-2 statements regarding treatment of negative reserves

59. IRDA/ CIR/ 012/ 2003 30/3/2003 Circular on general insurers-preparation of reconciliation statement-purchase and sale of investments to all insurers

60. 30/3/2003 Circular to all insurers on FORM-1, Statement of Investments andincome on investment

61. IRDA/ CIR/ 013/ 2003 7/4/2003 Circular on accounting principles for preparation of financial statementsto all insurers

62. IRDA/ CIR/ 014/ 2003 16/4/2003 Notification for appointment of Member(Actuary) as Chairman of LifeInsurance Council to all insurers

63. 16/4/2003 Circular to all life insurers on Form-LB-4 of IRDA�s (Actuarial Reportand Abstract) Regulations, 2000

64. IRDA/ CIR/ 015/ 2003 17/4/2003 Order for levy of penalty under Section 105B of the Insurance Act,1938 against Reliance General Insurance Company Limited

65. IRDA/ CIR/ 016/ 2003 23/4/2003 Presentation to IRDA in respect of various performance parametersduring last financial year 2002-03 and plans for the current year2003-04 by general insurers

66. 29/4/2003 Circular clarifying issues raised by life insurers on preparation offinancial statements - Life

67. 29/4/2003 Circular clarifying issues raised by general insurers on preparation offinancial statements � General

68. 8/5/2003 Order under Section 14 of the IRDA Act, 1999 directing OrientalInsurance Company Limited to pay M/s R.T. Exports, Mumbai theclaim under marine insurance policy



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69. IRDA/ CIR/ 017/ 2003 9/5/2003 Circular asking insurers to furnish particulars of all persons paidremuneration exceeding such sum as required under 217 (2A)(a) ofthe Companies Act, 1956 read with the Companies (Particulars ofEmployees) Rules, 1975, to all insurers

70. 16/5/2003 Corrigendum on circular dated 29th April, 2003 clarifying issues raisedby general insurers on preparation of financial statements � general

71. 19/5/2003 Notice to all life insurers on publication of charges in sales literaturein unit linked policies

72. Actl/ AA/ Circular 23/5/2003 Circular to life insurers enclosing draft appointment letter to be issuedto Appointed Actuary

73. 23/5/2003 Circular to all general insurers for coverage for fire insurance on firstloss basis under householders package policy

74. 24/5/2003 Notice to general insurers giving revised financial limits of categorisedsurveyors and loss assessors

75. 28/5/2003 Order appointing S. V. Mony as Chairman of Committee of experts toconsider alternatives available to have a free market availability ofthe products and to suggest to the Authority the measures to be takenfor differential tariffing to general insurers

76. IRDA/ CIR/ 019/ 2003 30/5/2003 Modification of IRDA Notification dt. 22nd March, 2003 on scales ofremuneration/ commission payable to brokers

77. 2/6/2003 Order under Section 64 UM(4) of the Insurance Act, 1938 directingNew India Assurance Company Limited to discharge liability underFire Insurance Policy issued to M/s J.P. Exports, Renigunta

78. 2/6/2003 Order under Section 102 of the Insurance Act, 1938 directing OrientalInsurance Company Limited to discharge liability under Marine Policyissued to M/s R.T. Exports, Mumbai

79. 6/6/2003 Order rescinding the penalty proceedings against Reliance GeneralInsurance Company Limited and treating the order dated 17th April,2003 as withdrawn

80. IRDA/ CIR/ 020/ 2003 9/6/2003 Clarification on IRDA Notification IRDA/ CIR/ 019/ 2003 dt. 30thMay, 2003 on scales of remuneration to Brokers

81. 9/6/2003 Notification regarding Mr. N. Rangachary, Chairman, IRDA demittingoffice

82. 10/6/2003 Notification regarding Mr. C.S. Rao, Chairman, IRDA assuming charge

83. 20/6/2003 Notice pertaining to surveyors and loss assessors examination to beheld in the month of August, 2003

84. 27/6/2003 Notice to all life insurers regarding submission of actuarial report andabstract

85. 4/7/2003 Notice to all life insurers to have premium rates with afacility of a premium calculator on the company�s web-site



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86. 4/7/2003 Clarification regarding Appointed Actuary Annual Report to all lifeinsurers

87. IRDA/ CIR/ 021/ 2003 16/7/2003 Abeyance of IRDA Notification IRDA/ CIR/ 019/ 2003 dt. 30th May,2003 on scales of remuneration/ commission payable to insurancebrokers

88. 17/7/2003 Insurance awareness Campaign

89. 23/7/2003 Circular seeking submission of details of equity holding pattern ofinsurers

90. IRDA/ CIR/ 022/ 2003 5/8/2003 Circular to all non-life insurers permitting issuance of ComprehensivePackage Policy - CPM Equipment insurance policy

91. IRDA/ FA/ 01/ 8/ 2003-04 8/8/2003 Finalisation of accounts for the financial year 2002-03 - relaxationsgranted to public sector general insurers

92. IRDA/ LIFE/ 001/2003 28/8/2003 Display of latest NAV of unit linked life insurance policy along withdate of valuation by all life insurers

93. IRDA/ CIR/ 023/ 2003 1/9/2003 IRDA Order on Constitution of an Expert Committee for examinationof remuneration structure of insurance brokers, agents and otherintermediaries in general insurance business - Terms of Reference

94. IRDA/ ACTL/ FUP/ Ver A/ Aug 2003 2/9/2003 Circular to life insurers on Profit Sharing/ Experience Rating underGroup Insurance Schemes

95. 12/9/2003 Invitation for comments to the expert committee on issues pertainingto practice of special discount and remuneration to insurance brokersand insurance agents

96. IRDA/ ACTL/ 5101 18/9/2003 Clarification on rider/ rider benefits to all life insurers

97. 26/9/2003 Message to all trainee surveyors

98. IRDA/ INV/ 005/ 2003-04 17/10/2003 Circular to all insurers regarding Section 7 of Insurance Act, 1938

99. 23/10/2003 Circular to all general insurers to furnish statements under IRDA (Assets,Liability & Solvency Margin of Insurers) Regulations, 2000 along withIBNR certification from Appointed Actuary

100. IRDA/ FA/ 01/ 10/ 2003-04 29/10/2003 Circular to all insurers regarding regulations pertaining to preparationof financial statements by the insurers

101. IRDA/ FA/ 02/ 10/ 2003-04 29/10/2003 Circular regarding transfer of funds by the life insurers

102. 30/10/2003 Circular to all insurers on Mr. Mathew Verghese joining the Authorityas whole-time member



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x) Powers and Functions Delegatedby the Authority

As a step towards simplifying the process of grantof license to the agents, the Authority has put in placethe procedure for licensing of the agents throughthe Website, and the insurers have designated theirspecific officers who can access the IRDA Websitefor this facility. Further simplifying the procedures, theAuthority has also delegated the powers forregularisation of license to the insurers, in cases wherethere has been delay in filing of renewal applicationand the insurer is satisfied that the applicant hadgenuine reasons for the delay. Only in cases wherethe insurer is not satisfied in this regard, the applicationis to be forwarded to the Authority. The system oflicensing of the agents is working well, since it waslast introduced about three years back.

With the notification of the IRDA (Licensing of CorporateAgents) Regulations, 2002, all insurers have beeninformed that the designated person responsible forgrant of individual agents license can henceforth alsobe the competent authority to issue corporate agencylicenses.

xi) Amendments to the InsuranceAct, 1938

The much awaited Insurance (Amendment) Bill waspassed in both the Houses of Parliament and notifiedon 23rd September, 2002. The major amendmentsincorporated in the Act include:

1. Co-operative societies recognised to carryon insurance business

The amendment provides for setting up of co-operativesexclusively for carrying on insurance business. Theco-operatives would be subject to same paid upcapital requirement, solvency requirements, depositswith Reserve Bank of India, maintenance of theaccounts, audit etc., as in the case of other applicants.

By nature of their being engaged in the activity ofdisbursing credit and being closer to the rural markets,co-operatives are expected to help in the penetrationof insurance cover to rural areas.

2. Training requirements modified forcorporate agencies

The directions requiring all directors or principalofficers of a company/firm seeking to undertakecorporate agency business, to undergo training andto pass the requisite examination have been modified,as to permit a designated officer of the corporateagency to fulfill the requisite qualification. Theamendment was incorporated to remove the constraintsin the growth of corporate agency business, and haspaved the way for entry of banks as insuranceintermediaries, as also facilitated distribution ofinsurance products at reduced costs of selling anddistribution. The corporate agency system is expectedto play a significant role in procuring business fromcommercial establishments and is thus expected tohelp in advancement of development of non lifebusiness.

3. Entry of brokers in the insurance market

Section 40 of the Insurance Act has been modified,permitting a portion of the premium received fromthe insured to be paid as remuneration to an �insuranceintermediary�, including insurance brokers andconsultants. Brokers are expected to improve marketpenetration by enabling designing and marketing ofcustomised policies based on global best practicesand experience. Efficiency in the conduct of insurancebusiness is also expected to improve due to scalingdown of transaction costs, since either agencycommission or brokerage is payable on a giventransaction. As the risk covers can now be expectedto be based on extensive research and risk analysis,and the broker is the representative of his clientvis-à-vis the insurer, the quality of services renderedto the clients would improve, including service pertainingto early settlement of claims.

4. Modification of section 49 of the InsuranceAct, 1938

The Section has been modified ensuring an equitablereturn to policyholders and shareholders. Theamendment provides entitlement of actuarial surplusto shareholders - 100 per cent in case of


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non-participating policies; and not exceeding 10 percent of such surplus in case of participating policies(7.5 per cent before the amendment).

5. Amendment in section 64VB of theInsurance Act, 1938

The Section has been amended to facilitate theAuthority to prescribe the mode of payment of premium,without changing the basic requirement that thepremium should be paid before the insurer grantscover on it. The amendment has facilitated paymentof premium through bank credit/debit cards or internetand has made available to the customer easier modesof payment of premium.

(xii) Crop Insurance:

Agriculture is prone to natural vagaries since it isextensively, directly and continuously in contact withthe forces of nature, which make it a risk enterprise.However, India lacks an integrated risk managementapproach that has been adopted by the developedcountries, which includes use of insurance to stabilisethe agriculture industry. In most of the developedcountries, insurance complements activities designedto strengthen the base of agriculture through suchinitiatives as irrigation, drainage, land reclamationand other means of increasing agricultural productivityon one hand, and pricing and other income supportmeasures on the other.

Currently, General Insurance Corporation (GIC) is theonly entity in the country to offer crop insurance withits National Agricultural Insurance Scheme (NAIS). Allcrop insurance schemes till date have been in thenature of group insurance schemes aimed at farmerstaking crop loans from banks. The requirement forinsurance in this segment, has perforce arisen fromthe statutory requirement of loans being providedagainst the guarantee of insurance, in case of default.

National crop insurance scheme aims at providinginsurance coverage and financial support to thefarmers in the event of natural calamities, pests anddiseases, besides encouraging the farmers to adoptprogressive farming practices, high value in-puts and

higher technology in cultivation in order to helpstabilise farm incomes, particularly in disaster years.The crops covered fall in the broad groups such asthose in respect of which i) the past yield data basedon Crop Cutting Experiments (CCEs) is available foradequate number of years, and ii) requisite numberof CCEs are conducted for estimating the yield duringthe proposed season and include food crops (cereals,millets & pulses), oilseeds, sugarcane, and cotton &potato (annual commercial/annual horticultural crops).Other annual commercial/annual horticultural cropssubject to availability of past yield data are proposedto be covered under the scheme over the next threeyears. However, the crops which will be covered inthe following year are spelt out before the close ofpreceding year.

The Scheme covers all farmers growing notified cropsand availing Seasonal Agricultural Operations (SAO)loans from financial institutions i.e., loanee farmerson a compulsory basis; and all other farmers growingnotified crops (i.e., non-loanee farmers) who opt forthe scheme on a voluntary basis. Comprehensive riskinsurance is provided to cover yield losses due tonon-preventable risks, i.e., i) natural fire and lightning;ii) storm, hailstorm, cyclone, typhoon, tempest,hurricane, tornado etc. iii) flood, inundation andlandslide, iv) drought, dry spells; and v) pests/diseasesetc. The sum insured (SI) may extend to the valueof the threshold yield of the insured crop at the optionof the insured farmers. However, a farmer can alsoinsure his crop beyond value of threshold yield levelupto 150 per cent of average yield of notified areaon payment of premium at commercial rates. In caseof loanee farmers, the sum insured needs to be atleast equal to the amount of crop loan advanced.50 per cent subsidy in premium is allowed in respectof small and marginal farmers to be shared equallyby the Government of India and State/UT Government.The premium subsidy will be phased out on sunsetbasis in a period of three to five years, subject toreview of financial results and the response of farmers.

Transition to the actuarial regime in case of cereals,millets, pulses and oilseeds is to be made in a periodof five years from implementation of the scheme. The


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actuarial rates shall be applied at District/Region/State level at the option of the State Govt./UT. Tomeet Catastrophic losses, a Corpus Fund has beencreated with contributions from the Government ofIndia and State Govt./UT on 50:50 basis. A portionof Calamity Relief Fund (CRF) is to be used forcontribution to the Corpus Fund. The financial resultsof the crop insurance schemes indicate failure of theinsurers/ formulators to correctly estimate the actuarialprobability of the risk covered. The claims paid havebeen almost six times the premiums collected.

The Government perceives that agriculture insuranceshould be playing a greater role in the country sincenot only is this sector�s contribution to the GDP high,but a majority of the working population is engagedin agriculture and allied activities. With a view toproviding cover in this particular area, AgricultureInsurance Company (AIC) has been floated by theGIC (35 per cent equity), National Bank for Agricultureand Rural Development (NABARD) (30 per cent equitystake) and the four public sector non-life insurers,i.e., National Insurance Co. Ltd., The Oriental InsuranceCompany Ltd., The New India Assurance Co. Ltd.,and United India Insurance Co. Ltd. to the extentof 8.75 per cent equity stake, each. AIC aims atproviding financial security to persons engaged inagriculture and allied activities through insuranceproducts and other support services. AIC, which hasbeen granted license to transact crop insurance businessonly, was granted registration on 29th October, 2003.The company to begin with, proposes to implementNational Agriculture Insurance Scheme (NAIS) of theGovernment of India, which up till now is beingimplemented by GIC. Under the scheme,comprehensive risk insurance will be provided to coveryield losses arising due to non preventable risks, viz.,natural fire and lightning; storm, hail storm, cyclone,typhoon, tempest, hurricane, tornado etc; flood,inundation and sand slide; drought, dry spells; pest/diseases etc.

The scheme will be available to all the farmers (bothloanee and non-loanee), irrespective of the size oftheir holdings. The scheme envisages coverage ofall crops including cereals, pulses and oil seeds. Itis proposed that the three cash crops, i.e., sugarcane,

potato and cotton will be covered in the first yearof the operation of the scheme; and all other annualhorticultural and commercial crops will be placedunder insurance cover within the next three yearssubject to the availability of past yield data.

As another step in the direction of providing coverfor crop insurance, recently ICICI Lombard, one ofthe new insurers, with support from the World Bankand IFC, conceptualised and modeled the �rainfallinsurance� policies and sought out reinsurance. Farmershave appreciated the structure of the insurance policyas it directly reflects their experience that the distributionof rain throughout the season matters a lot for theyield.

(xiii) Credit Insurance

The onset of liberalisation signifies keen competitionin all entrepreneurial activity resulting in survival ofthe fittest. This being the scenario, there will be greatertrade among countries. Besides quality and price,�credit� will play a vital role in clinching export deals.Credit, while becoming an instrument in expandingexport trade, also increases the payment risks in theexport transaction. The risks have assumed even largerproportions today due to the political and economicchanges sweeping the global economy.

In such a situation, the need for export credit insurance(ECI) is felt and the government enterprise ExportCredit Guarantee Corporation (ECGC) of India, offershope to exporters. ECGC offers a range of creditrisk insurance covers to exporters against loss in exportof goods and services, guarantees to banks/financialinstitutions to enable exporters obtain better facilities,provides overseas investment insurance to Indiancompanies investing in joint ventures in the form ofequity/loan.

The various credit insurance covers of ECGC takeaway the risk component in export transactions toenable exporters concentrate on developing theirbusiness, venture with new commodities and explorenew markets. Further, to enable the exporters availof working capital requirements from the banks, bothat the pre- and post-shipment stages, ECGC providesvarious kinds of bank guarantees to enable exportersget timely and adequate export finance.


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Few companies can compete effectively without runningcredit risks. Therefore, Credit Management has beenrecognised as an indispensable factor in modernfinancial control. Risks like financial loss from insolvencyor default, in case of overseas business political risks,delays in payment in hard currency, can threaten acompany�s cash flow. Though, Credit Insurance isnot a replacement to the credit management, itactively promotes the best credit management practices.

Export Credit Guarantee Corporation of India Limited,was established in the year 1957 by the Governmentof India to strengthen the export promotion drive bycovering the risk of exporting on credit. The ECGC,which functions under the administrative control ofthe Ministry of Commerce, is the fifth largest creditinsurer of the world in terms of coverage of nationalexports. The year 2002-03 was the first year ofoperations of the insurer, subsequent to it beinggranted registration by the Authority.

(xiv) Miscellaneous

As part of the initiatives to meet the aspirations ofthe consumers, the Authority has constituted theConsumer Advisory Committee. Further, initiativeshave also been taken to strenghthen the self-regulatoryframework within the industry. The Authority is alsoassociated with various organisations to promotefaster growth of insurance market in the country.Efforts in this direction are briefly enumerated below.

a) Consumer Advisory Committee

The Consumer Advisory Committee�s purpose is toserve as a informal vehicle for information sharingand discussion between the Authority and thepolicyholders on key issues of insurance servicing andmarket conduct by the insurers, agents and insuranceintermediaries. The Committee meets quarterly andhas representation from consumer organisations. Atthe meetings of the Committee, the officials of theAuthority are also present along with insurancecompany officials.

b) Insurance Association and InsuranceCouncils

The establishment of the Insurance Association ofIndia was notified under section 64A of the InsuranceAct, 1938 by the Authority in February, 2001. Themembership of the Association consists of all theinsurers carrying on business in India. In addition,under section 64C of the Act, independent LifeInsurance Council and General Insurance Councilalso stand notified. The Insurance Association of India,the Life Insurance Council and the General InsuranceCouncil presently have their headquarters at Mumbai.Consequent to the notification, representatives of theAuthority were nominated on these bodies. The Authoritynominated Mr. H.O. Sonig, Member and Mr. PrabodhChander, Executive Director as members of theExecutive Committee of the Life Insurance Council.Mr. Sonig was also the Chairman of the ExecutiveCommittee. The Authority has also nominatedMr. Amit Mitra, Secretary General of FICCI, as amember of this Executive Committee. Mr. P. ABalasubramanian, member took over from Mr. Sonigconsequent upon the latter attaining superannuation.

The Authority nominated Mr. R. C. Sharma, Memberand Mr. P.A. Balasubramanian as members of theExecutive Committee of the General Insurance Council.Mr. R.C. Sharma was also the Chairman of theExecutive Committee of the General Insurance Council.Mr. Tarun Das, Director General, Confederation ofIndian Industry has also been nominated as a memberof the Executive Committee.

During the year, the life insurance council consideredissues such as impact of the declining interest rateson the returns of the insurers, impact of introductionof various distribution channels as corporate agentssystem, broking system and direct selling throughinternet and bancassurance on the industry, and moreparticularly the role of tied agency system in thecontext of the new channels of distribution beingintroduced, role of agents training institutions, delaysin the settlements of complaints, explored possibilitiesof creation of policyholders� protection fund, functioningof the Peer Review Committee, and issues pertainingto market conduct of the insurers and the intermediaries.


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The general insurance council deals with mattersconnected with the market conduct and sound practices,rendering efficient services to the policyholders,adoption of ethical market practices, conduct of theintermediaries, dissemination of insurance relatedstatistics and bringing to the notice of the Authorityany instances where the insurer has/have acted ina manner prejudicial to the interests of the policyholdersand advises the Authority on issues pertaining toexpenses of management incurred by the insurers.Apart from these, the Council has also taken upmatters relating to co-insurance agreements, layingstandards of remuneration payable to the surveyors,investigators, advocates, review of Insurance Act,1938, compliance of rural and social sector obligations,overage vessels (marine), introduction of first lossconcept, de-tariffing of motor insurance business,breach of tariff, anomaly in brokerage and commissionstructure, solatium fund and terrorism premium.

c) Partnership with Domestic Institutions

The Authority has been actively collaborating withvarious domestic institutions for the development ofthe insurance sector in India. On account of the verynature of the working of the Actuarial Society of India(ASI), there is a process of continuous interactionbetween the two bodies. Inputs on various actuarialaspects on both the life and non-life segments ofthe industry are provided by the Society. The Societyis playing a crucial role in not only developing theprofession of actuaries, but is also taking steps to

set up the data base for the industry. In this connection,workshops and conferences are also held by theSociety from time to time, thereby also bringing ininputs based on international experience. Internationalexposure would also enable the industry to evolvepractices based on best market practices. There arelessons to be drawn from the international experienceson adoption of useful models for regulating andmonitoring the Indian insurance companies. The ASIis also working in close coordination with the USAIDteam on actuarial practices worldwide.

Another endeavor of the Authority has been towardssetting up of the Institute of Insurance and RiskManagement (IIRM) at Hyderabad in partnership withthe State Government of Andhra Pradesh. IIRM hasbeen set up with the objective of undertaking researchstudies and conducting training in various areas ofinsurance to enrich this sector in India. The activitiesof the IIRM are detailed at Part III of the Report.

In addition, the Authority is continuously interactingwith the various chambers of commerce and industryassociations as to keep them apprised of the variousdevelopments in the insurance sector. The channelof communication is also enabling the Authority toget feedback on the problems as are faced by thevarious segments of the society vis-à-vis the insurancesector. Representatives of the Authority also participatein the various conferences and seminars on a regularbasis to encourage interaction.


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PART II


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REVIEW OF WORKING AND OPERATIONS OF THEINSURANCE REGULATORY AND DEVELOPMENT AUTHORITY

industry, in particular. In addition, the regulationspertaining to Preparation of Financial Statements andAuditors Report of Insurance Companies; andObligations of Insurers to Rural and Social Sector,were substituted.

Status of exempted insurers

Section 118 of the Insurance Act, 1938 exemptsthe application of the Act to any trade union registeredunder the Indian Trade Union Act, 1926; or to anyprovident fund to which the provisions of the ProvidentFunds Act, 1925 apply; or if the Central Governmentso orders in any case, and to such extent or subjectto such conditions or modifications as may be specifiedin the Order, to any insurance business carried onby the Central Government or a State Governmentor a Government company as defined in Section 617of Companies Act, 1956.

Further, at the time of nationalisation of generalinsurance business in India, Section 36 of GeneralInsurance Business (Nationalisation) Act, 1972(GIBNA), exempted application of this Act in relationto any general insurance business carried on bya state government to the extent to which suchinsurance business relates to properties belonging toit or undertakings owned wholly or mainly by theState Government; or to properties belonging toany semi-Government bodies; or any board or bodycorporate established by the State Government underany statute; or any industrial/commercial undertakingin which the State Government has substantialfinancial interest, whether as shareholder, lender orguarantor.

As on date, there are twenty eight exempted insurersunderwriting insurance business, specifically in thearea of State Government properties, in the country.The list of exempted insurers is placed atAnnexure-II.

The Authority has been examining the status andfunctioning of these exempted insurers, in the light

(i) REGULATION OF INSURANCE ANDREINSURANCE COMPANIES

The Authority, in order to discharge the functionsspecified in section 14 of the Insurance Regulatoryand Development Authority (IRDA) Act, 1999, hasspecified the regulations given in the Annexure � I.The regulatory framework broadly covers such aspectsas the entry level requirements including thosepertaining to minimum paid-up capital, �fit and proper�management, �file and use� requirements, filing ofregular returns to the Authority, which has helpedto carry out its statutory functions to regulate, promoteand ensure orderly growth of insurance andre-insurance business. In addition, Authority has alsoissued various directions, guidelines and circulars inorder to carry out its operations efficiently.

The insurers and the re-insurer are properly complyingwith these regulations, guidelines and circulars, andno specific complaints of non-compliance have beenreceived during the reporting period.

During the period April, 2002 to March, 2003 thefollowing new regulations were notified:�

1. IRDA (Protection of Policyholders� Interests)Regulations, 2002

2. IRDA (Insurance Brokers) Regulations, 2002

3. IRDA (Licensing of Corporate Agents) Regulations,2002

4. IRDA (Manner of Receipt of Premium) Regulations,2002

5. IRDA (Distributions of Surplus) Regulations, 2002

The Investment Regulations, Licensing of InsuranceAgents Regulations, Registration of Indian InsuranceCompanies Regulations, and Protection ofPolicyholders� Interest Regulations were amended tomeet the aspirations, needs and requirements of thevarious stakeholders in general, and the insurance


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and the insured, with the advent of the Authority onthe scene, increased emphasis has been placed onimparting professional expertise to them. As a steptowards this direction, minimum educational andtraining requirements have been laid down for theagents by the Authority.

To facilitate the process of licensing, the InsuranceInstitute of India, Mumbai is authorised to conductoff-line examination and the National Stock Exchangehas the mandate to conduct agents� examinationsonline. In addition Ritu Nanda Insurance Services(RNIS), National Institute of Sales (NIS), School Net,IT Associates, Shriram Cyber Tech and MaharashtraInstitute of Technology (MIT) have also been authorisedto conduct online examination. The number of suchinstitutes has been increased on account of the factthat there has been a demand from insurers for moreagents� training centers through out the country. Thisis an indication of the profession of agents beingconsidered a lucrative avenue for employment, andpersons being attracted to it showing an even increasingnumber.

Corporate Agents

During the period under reporting, the Authority notifiedcorporate agency regulations, which allows corporateentities to distribute insurance products. The notificationof the regulations was a step towards and facilitatedintroduction of �bancassurance� in the country.Bancassurance, which basically involves banks actingas corporate agents for insurers to distribute insuranceproducts, has evolved as a strong distribution channelin many countries. In India, public sector banks andespecially regional rural banks and micro-creditinstitutions with their wide reach can help fulfill the basicobjective of deeper insurance penetration in the country.The regulations also provide for minimum educationalqualifications for specified persons, and lay downpractical training requirements and a code of conduct.In case of professionally qualified personnel, the trainingrequirement has been relaxed. Nationalised banks,private banks, regional rural banks, cooperatives,panchayats, local authorities, NBFCs and NGOs havealready entered the insurance industry as corporateagents.

of changes in the regulatory framework in the liberalisedenvironment. In a limited way, the regulations pertainingto solvency margin, investments, etc., have been madeapplicable to them, to ensure that the funds of theseinsurers are maintained separately to enable theexempted insurers to adequately discharge theirliabilities.

The Authority is in the process of gathering informationfrom the State Governments with regard to insurancefunds maintained by them, and on the status ofexempted insurers functioning in their states. Mostof the exempted insurers are doing the businessrelated to government employees and governmentowned properties and its assets. Simultaneously, theseinsurers are required to file their product with theAuthority under the �file and use� mechanism laiddown by the Authority.

Though these Funds are guaranteed by the respectiveState Governments, the Authority is of the firm viewthat these insurers should shed the garb of exemptedinsurers and come in the main stream, forming partof the insurance industry and be fully governed bythe various provisions of the Act and the regulationsframed there under.

(ii) INTERMEDIARIES ASSOCIATEDWITH THE INSURANCE BUSINESS

Intermediaries associated with insurance business arebrokers, third party administrators (TPAs) and surveyors.The insurance agents, including the corporate agents,are governed by specific regulations and they arein the nature of intermediaries but not defined assuch in the IRDA Act. It may be mentioned thatthe agents represent their principals, i.e., the insurers,and are by the very nature of their functionsintermediaries and provide service to their customers.

Insurance Agents

The liberalised environment in which the insurancecompanies, both life and non-life, have been operatingover the last three years, has witnessed a growthin the intermediation process. While the agents havebeen known to be a vital link between the insurers


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of all concerned. On receipt of their options, finalcategorisation letters were issued to the surveyors.Surveyors who did not submit their options wereallotted those three departments in which they hadobtained the highest marks.

Surveyors who qualified for categorisation in morethan three departments and opted for three departmentswere permitted to change to the department of theirchoice. Surveyors were informed that the changeoverwas admissible up to 31st March, 2003 and subsequentchanges, from time to time, shall not be entertained.

Surveyors who were categorised for less than threedepartments and wished to be categorised for additionaldepartment not exceeding three departments and LOP,were asked to undergo training for that additionaldepartment to get categorised for �C� category.Surveyors, who could not complete the training ason 31st March, 2003 have been asked to pass theexamination to be eligible for �C� category in theadditional department.

The Authority categorised the surveyors into threecategories � �A�, �B� and �C� and had indicatedthe monetary limits up to which each individualcategory surveyor would carry out a survey. Departmentwise financial limit for utilisation of Surveyors andLoss Assessors effective 31st March, 2002, were fixed.The Authority received representations on the needfor revision of these monetary limits. After examiningthe representations, the Authority decided to re-fixthe limits of the value of survey to be undertakenby different category of surveyors. Revised financiallimits w.e.f. 1st June, 2003 are as per details givenat Table 44.

The distribution channel statistics for individual andcorporate agents both for life and non-life insurers areplaced at Annexure III & IV.

Surveyors and Loss Assessors

The system of licensing of surveyors and loss assessorswas started with the implementation of the Insurance(Amendment) Act, 1968. Since then licensed surveyorsare assisting the non-life insurance companies in theassessment of losses. To bring professionalism andefficiency in the services offered by surveyors andloss assessors, the Authority decided to categorisethem on the basis of their professional qualification,experience as a surveyor and loss assessor as wellas other relevant experience. A Committee under theChairmanship of a retired District Judge was formedin which representatives of the insurance companies,surveyors and consumers were also included, toexamine the various aspects for categorisation. TheCommittee finalised the parameters and markingsystem on the basis of which the categorisationprocess was completed by the Authority before theyear ending on 31st March, 2002 and categorisationletters were issued to all applicant surveyors. Thecategorised surveyors were asked to furnish theiroptions for any three departments, as recommendedby the Committee, which they wished to be allottedfor carrying out survey jobs. In addition to threedepartments, surveyors were categorised and allowedfor Loss of Profit (LOP) Surveys, where they had therequired qualifications.

After the completion of this exercise, a detailed noticegiving the various parameters for categorisation waspublished on the Authority�s web-site for the information


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TABLE - 44FINANCIAL LIMITS OF CATEGORISED SURVEYORS & LOSS ASSESSORS

DEPARTMENT CATEGORY A CATEGORY B CATEGORY C

LOP Above Rs. 50 lakhs Upto Rs. 50 lakhs Nil

FIRE (Flood, Cyclone, Earthquake) Above Rs. 20 lakhs Upto Rs. 20 lakhs Upto Rs. 5 lakhs

ENGINEERING Above Rs. 7.5 lakhs Upto Rs. 7.5 lakhs Upto Rs. 2 lakhs

MOTOR (Public, Private) Above Rs. 2 lakhs Upto Rs. 2 lakhs Upto Rs. 1 lakh

MISCELLANEOUS (inclusive of non-tariff) Above Rs. 7.5 lakhs Upto Rs. 7.5 lakhs Upto Rs. 3 lakhs

MARINE CARGO Above Rs. 7.5 lakhs Upto Rs. 7.5 lakhs Upto Rs. 3 lakhs

MARINE HULL Above Rs. 10 lakhs Upto Rs. 10 lakhs Upto Rs. 50,000

NOTE:1. Category A surveyor will be eligible for jobs falling under the financial limits of Category B. Similarly Category B surveyor will be

eligible for jobs falling under the financial limits of Category C.2. Category C surveyor shall not be eligible for the limits of Categories B and A. Similarly Category B surveyor shall not be eligible

for the limits of Category A surveyors.3. Financial limits are based on the estimated value of the loss in the opinion of the insurer.

As per the regulations, an applicant seeking a freshlicense will have to undergo practical training of notless than twelve months with an existing categorisedsurveyor of either �A� or �B� category. Further, theapplicant will have to pass the examination to beconducted either by the Authority itself or by an institutionauthorised by it in this behalf. The Insurance Institute ofIndia has been authorised to conduct surveyor�sexamination and the first such examination wasconducted in the month of February, 2003. At present,

the Insurance Institute of India is conducting Surveyor�sexamination quarterly in the months of February, May,August and November every year. Till date, the Authorityhas enrolled 2370 applicants as Trainee Surveyors andissued 170 fresh licenses to Trainee Surveyors who havecompleted practical training and passed the requisiteexaminations.

The total number of surveyors categorised in differentdepartments up to 31.03.2003 for individuals and firmsare given at Tables 45 and 46 respectively.

TABLE - 45SURVEYORS (INDIVIDUAL)

Category Total Number of Surveyors (Individual) Categorised as on 31st March, 2003

Fire Marine Marine Engg. Motor Misc. LOPCargo Hull

A 407 206 26 270 954 329 61

B 1312 1082 70 2069 3418 2216 219

C 2922 2526 90 2362 3000 3110 -

TOTAL 4641 3814 186 4701 7372 5655 280

TOTAL

31st March, 2002 3178 3478 167 4269 6668 5053 256


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TABLE - 46SURVEYORS (FIRMS)

Category Total Number of Surveyors (Firms) Categorised as on 31st March, 2003

Fire Marine Marine Engg. Motor Misc. LOPCargo Hull

A 92 50 10 50 21 57 27

B 101 99 23 91 59 130 47

C 104 147 41 180 37 90 _

TOTAL 297 296 74 321 117 277 74

TOTAL31st March, 2002 260 249 32 197 104 243 52

Third Party Administrators (TPAs)

The Authority had notified the third partyadministrators � health services regulations inSeptember, 2001 to introduce another intermediarynamed �TPA � health services� in the field of healthinsurance. The basic idea behind introduction ofthe intermediary was to facilitate provision of cashlesshealth services to the clients (policyholders) and createan intermediary which would provide back end servicesto the insurers.

As on date, 23 TPAs have been granted licenses and11 of them are in active business. (The list of ThirdParty Administrators is placed at Annexure V). Thehealth portfolio has been allotted by the insurancecompanies to the TPAs, depending upon the existinglevel of infrastructure facilities available with theseTPAs. There are indications that with the introductionof this intermediary, the claims ratio has steadilystarted going down in the health portfolio. However,of late, there have been reasons to re-visit the conceptof third party administrators and have a penetrativere-look at, as to whether they have actually succeededin delivering upon the expectations which wereenvisaged at the time of introducing them to theinsurance market. The alleged dissatisfaction in thedelivery of services by the TPA is attributed to manyconstraints and administrative difficulties which aregenerally inherent in the initial stages of launching/introducing any new concept.

One of the areas which need to be emphasised andworked upon is the need for creation of andmaintenance of database in the health insuranceindustry. As is evident, there is no standardisationavailable in this field, and the various stakeholderslike insurance companies, TPAs and consumers feelhandicapped in the absence of the same. Theconstraints pertain to the availability of standardisationof statistics for the purposes of pricing the insuranceproducts, benchmarks for the services offered andthe pricing of the same, availability of the serviceproviders, to name a few. The matter is under theactive consideration of the Authority, and ways andmeans are being worked out to create such database.One of the critical areas that availability of thedatabase would address is the scientific determinationof pricing of various health insurance products.

In spite of the fact that TPAs are under scrutiny insome quarters, there is scope for additional playersentering the industry. The Authority is receivingapplications from various quarters expressing interestto enter the industry as third party administrators. Theidea behind introduction of TPAs has not only beenappreciated but has also received constructive supportfrom various quarters. The Authority is sensitive tothe problems involved in the functioning of thisparticular intermediary and is open to constructivesuggestions as may be forthcoming for improving the


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technology, and managerial techniques. Currentlythe availability of trained manpower is a majorconstraint in the development of the insurancebroking business in India and international playerscan contribute in a big way, in bridging this gap.

l Benefits to Insurance Companies: Most globalinsurance companies spend a significantcomponent of their time in handling commercialand industrial risk. They find dealing with brokersto be easier and speedier because only theintricate points or special requirements needdetailed discussion. Brokers also assist in creatinginsurance awareness, increasing marketpenetration and act as a catalyst to increasecompetition and improve customer service.

l Foreign Exchange Considerations: Brokers willenable Indian insurers to increase their retentioncapacities by applying their internationalreinsurance skills in optimising the reinsuranceprogrammes, thereby effecting further saving inforeign exchange outflow. In addition, they canassist the local insurers to develop new productsand accordingly increase the premium base.

Brokers are also expected to introduce changes inaccepted practices, which could include bothcoinsurance and reinsurance placements. There islikelihood of accelerated introduction of the alternativerisk management techniques which converge riskcovers and provide, at once, both insurance and itsreinsurance. The market is set to witness theseunconventional changes at a pace permitted bychange in local tax laws and/or in trade-off topremium costs.

In line with the requirements in the developed markets,insurance brokers in India are regulated in such areasas registration, experience, training and qualificationrequirements, and restrictions on entry into theprofession; capital requirements and provision forprofessional indemnity.

As per the guidelines in vogue a corporate client,other than a public sector entity has the option ofeither approaching an insurance agent or an insurancebroker or avail a special discount up to 5 per cent

delivery system of health services by the variousstakeholders.

Insurance Brokers

The Authority, consequent upon notification of theInsuranse Brokers Regulations in October, 2002 issuedlicenses to the brokers for the first time in January,2003. The brokers are a new intermediary channelintroduced for the first time in the Indian market inthe financial year 2002-03. The list of brokers andtheir state wise break-up is indicated at Annexure VI& VII. However, with the first year of operations beingpractically less than two months, and with the numberof brokers who were granted license during the saidperiod being very limited, the true impact of theiroperations in the insurance industry would be assessedonly for the financial year 2003-04.

Insurance Brokers are professionals who assess riskon behalf of a client, provide advise on the mitigationof that risk, identify the optimal insurance policystructure, bring together the insured and insurers, carryout work preparatory to insurance contracts and,where necessary, assist in the administration andperformance of such contracts, in particular whenclaims arise. Unlike insurance agents, who are retainedby insurance companies, brokers are retained by theinsured and therefore their primary responsibility istowards the insured. Some of the benefits of introducingbrokers in the Indian market are:

l Improvement in Customer Service: With increasedcompetition, insurance brokers have a greatermotivation to introduce new and innovativeproducts, to be more responsive to consumerneeds, and to deliver higher end quality services.Indian corporates and consumers will benefitdirectly in terms of service as well as productand policy innovations, and will consequently beable to secure appropriate insurance cover ata more effective cost.

l Transfer of Technology and ManagerialKnow-how: Insurance brokers will introduceinternational best practices in technical skills andproducts, training programmes, systems and


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stepped into the insurance industry as part of theirinitiatives in bancassurance. The Authority has alsoaccredited the curriculum of The Association of FinancialPlanners for insurance agents and brokers.

National Insurance Academy has been designatedas the sole examining body for brokers consequentupon their training. They have also been accreditedfor imparting training to brokers along with theCorporate Training Centers of the public sector nonlife insurance companies, i.e., National, New India,Oriental and United India; School-net, RNIS and NIS.

To facilitate the training of agents, the Authority hasso far accredited 1375 agents training institutionsacross the country for imparting the prescribed pre-licensing training to agents. This number includes 977in-house institutions run by insurance companies. Theaccreditation process is transparent and a prospectiveinstitute has to fulfill such conditions as availabilityof competent faculty, proper infrastructure facilities,etc. An assessment made on a �marking system� isfollowed up by inspections, if necessary, by officersof the Authority prior to grant of accreditation. TheAuthority normally recognises an institution for aperiod of three years at a time. The institutions areopen to inspection by the Authority to ensure theirproper functioning. In addition, each approvedinstitution is required to furnish certain informationto the Authority as per the prescribed Form-B, ona quarterly basis.

The state-wise details of accredited agents traininginstitutions as on 31st March, 2003 are placed inthe Table 47:

on the face of the policy. Earlier, the Authority, videits notification dated May 30th, 2003 had notifiedthat the facility of the special discount available tocorporate clients stood withdrawn. Thereafter on July16th, due to concerns expressed in certain quarters,including the insurers and the corporates, the decisionof May 30th, 2003 was kept in abeyance, and anExpert Committee was set up, to examine all therelated issues thread-bare. The Authority shall re-visitthis issue shortly after the Committee submits its report.

(iii) PROFESSIONAL INSTITUTESCONNECTED WITH INSURANCEEDUCATION

The Authority has been encouraging professionalisationof insurance, risk management and actuarial sciencescourses being presently offered by various institutesin the country. It has accredited the contents of thesyllabus for one year courses offered by managementinstitutes as part of its initiatives to promote insuranceand risk management education. Such initiatives havebeen as much with the objective of spreading awarenessabout the industry and creating avenues foremployment, as arising out of demand for qualifiedprofessionals from the insurance industry. The studentswho have pursued these qualifications and trainingprogrammes have been readily accepted by theinsurance companies and broking firms, in view ofthe skills acquired by them.

Insurance Institute of India is actively involved inconducting examinations for insurance agents. IndianInstitute of Bankers has devised a specific coursekeeping in mind the requirement of banks who have


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TABLE - 47

STATE-WISE DETAILS OF NUMBER OF ACCREDITED AGENTS� TRAININGINSTITUTIONS � AS AT 31ST MARCH, 2003

State In-house Others

2001-02 2002-03 2001-02 2002-03

Andaman and Nicobar 1 1Andhra Pradesh 26 98 10 36Assam 24 28 2 4Bihar 18 16 2 4Chandigarh 12 12 8 7Chattisgarh 1 18 4 4Delhi 12 17 19 24Goa 2 4 4 9Gujarat 42 50 14 24Haryana 13 22 16 23Himachal Pradesh 6 8 1 2Jharkhand 9 9 21 6Jammu & Kashmir 1 9 2 2Karnataka 29 76 9 29Kerala 26 28 5 19Madhya Pradesh 72 65 14 18Maharashtra 65 107 36 33Manipur 1 2 2Orissa 23 15 7 11Punjab 17 124 18 29Rajasthan 34 66 9 14Tamil Nadu 46 73 12 33Tripura 1 1Uttaranchal 9 1 3Uttar Pradesh 64 97 33 37West Bengal 26 22 15 25

TOTAL 571 977 262 398

(iv) LITIGATIONS, APPEALS ANDCOURT PRONOUNCEMENTS

The Authority has been arranged either as the mainparty or proforma party, in regard to litigations ondiverse matters filed before various courts. The courtcases pertain mainly to such matters as settlement

of claims by insurers, non-renewal of insurancepolicies, renewal of license of insurance agents,classification and categorisation of surveyors andloss assessors, motor tariff and loading of motorinsurance premium, non-implementation of awardsof Ombudsman, etc.


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In the matters connected with clarification/ interpretationof Tariff pertaining to non-life insurance business, theAuthority is also held party.

The Authority, in some of the cases, has been madeformal party. For e.g., in the matter of promotionof personnel in the public sector insurance companies;with regard to certain benefits under the policy, whichultimately are to be addressed by the insurersconcerned. The Authority while defending these casesseeks the insurers� point of view to prepare suitablecounter/reply to be filed in the courts.

(v) INTERNATIONAL COOPERATION ININSURANCE

The Authority has benefited from its association withthe International Association of Insurance Supervisors(IAIS) and its member countries, while formulatingthe various regulations and guidelines, from time totime. The members of the IAIS, being regulatorsin other jurisdictions with vast experience in theinsurance industry, have always co-operated wheneverreference has been made to them, with respect toinsurance companies and intermediaries licensed intheir jurisdictions. The Authority has benefited fromthe learning curve in the various jurisdictions acrossthe globe. IAIS was associated with the Authority inorganising seminars and training programmes forregulators in the Asian region, at which there wasparticipation by the officers of the Authority as well.

The Authority has been actively associated with theworking of the following Committees/Sub-Committeeswith Chairman/members representing the Authorityon these Committees (indicated at Table 48):

The Authority, while defending the cases on merit,keeping in view the provisions of laws and regulations,also endeavors to initiate steps in redressing grievancesin genuine cases by advising the insurers suitably.A case in point is the disposal of many writ petitionsas being in fructuous, in the light of the Authority�sstern directions to the general insurers in regard toloading parameters of motor insurance premium. Toattend to the insurance customers� genuine grievances,a system of grievance redressal has been built inthe Authority and timely attention is given to thecomplaints.

The cases have also been filed in the courts inconnection with some of the provisions of the InsuranceAct, 1938 and also challenging the instructions/directions issued by the Authority. One such casepertains to directions issued by the Authority to lifeinsurance companies entering into referral arrangementwith banks for capturing their customer data baseand utilising other facilities. The insurer can utilisethis facility for venturing into prospecting the customerson the basis of the data base provided under thereferral arrangement by the bank. Under thisarrangement, the banks are just transferring their database for the use of the insurer, but obviously notsoliciting insurance business on behalf of the insurer.The philosophy behind various provisions of law andthe instructions issued on different issues relating tothe supervision and conduct of insurance businesswith a view to developing the market is explainedin the counters/ replies filed in the courts.


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TABLE - 48

IAIS COMMITTEES/SUB-COMMITTEESS. No. Committee

1 Executive Committee

2 Emerging Markets Committee

3 Technical Committee

4 Task Force on Assessment and Implementation of Insurance Core Principles

5 Working Group on Observership & Membership Issues

Sub-Committee

1 Insurance Fraud Sub-Committee

2 Insurance Laws, Regulations, Practices & Standards Sub-Committee

3 Re-insurance Sub-Committee

4 Education Sub-Committee

5 Accounting Sub-Committee

Note: The Chairman of the Authority is a member on the various committees of the IAIS, and the members of theAuthority represent it on the various sub-committees.

banks and other financial institutions in India to focuson the reforms process in the sector. Both theconferences were addressed by international experts/speakers and were well received. The Authority isalso closely associated with the South Asian Regulators�Forum to promote co-operation and understandingamongst the SAARC countries insurance regulators.It may be mentioned that the Chairman of theAuthority took over as the Chairman of the Forumin December, 2002.

OECD has also partnered with the Authority in thearea of pension regulations and has provided usefulinputs which have been shared with the variousstakeholders in the insurance industry. Otherinternational institutions with whom the Authority hasbeen associated are UNCTAD, INPRS, USAID andNAIC .

United States Agency for InternationalDevelopment (USAID)

The Govt. of India and the Govt. of United States havea bilateral Project Grant Agreement since 1993. The

The Authority is committed to implementing the coreprinciples of insurance supervision. Continuous effortsare also made by the Authority in its endeavor toharmonise the various regulations and guidelinesissued by it with these principles. It may be mentionedthat the Authority hosted the IAIS Tripartite Meetingat New Delhi in January, 2003 along with theInternational Association of Insurance Supervisors onthe subject of insurance frauds and anti-moneylaundering measures. The meeting was well receivedby the participants from countries across the globe.

Simultaneously, the Authority also took an initiativeto organise training programmes and conferences.The first such training programme was organised bythe Authority for the officers of regulators from SAARC(South Asian) countries. Regulators of Sri Lanka,Bhutan, Nepal and Maldives, besides India, nominatedtheir officers for the four week programme. TheIIRM and the Authority held an International Conferenceon IAIS Core Principles which attracted middle levelexecutives from the regulators� offices of SAARC andASEAN countries. This was followed by the PensionConference which was targeted towards life insurers,


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consumer protection organisations. In addition, theAuthority, in consultation with the USAID team, hasconstituted a working group on health which will involveall the stakeholders in the industry to highlighting majorpolicy issues of concern on health insurance in India.The working group has already met once. The teamhas also proposed constitution of a similar group inconsultation with the Authority to recommend changes/review of the various provisions in the Insurance Act,1938 and other Acts relating to various facets ofinsurance business in India. Another seminar onActuarial Management of Health and General InsuranceBusiness was held in Mumbai.

General Agreement on Trade in Services(GATS) and World Trade Organisation(WTO)

Prudential regulations play an important role in thetransition from monopoly to competition. De-monopolisation, as well as doing away with the systemof compulsory cessions and abolition of tariffs, is anatural precursor for attaining the objectives ofreinsurance as part of the organic growth process ofthe Indian insurance market. This has to beaccompanied by harmonisation of insurance andreinsurance supervision practices. The introduction oftight prudential rules for insurance and reinsurance hasto be consistent with GATS principles of legitimacy,necessity and proportionality so that no unwarrantedtrade barriers are built up that could have a negativeimpact on competition and thereby impede businessinnovation and market efficiency.

Negotiations of specific commitments are mandatedunder Article XIX of GATS which states that �In pursuanceof the objectives of the Agreement, Members shall enterinto successive rounds of negotiations beginning notlater than 5 years from the date of coming into force ofthe WTO Agreements and periodically thereafter, witha view to achieving a progressively higher level ofliberalisation�. A fresh round of comprehensivenegotiations on specific commitments commenced inthe WTO from January, 2000.

The mandate of the negotiations is clearly laid out inPart IV of GATS entitled �Progressive liberalisation�. Themain aim of these negotiations is to achieve a greater

United States Agency for International Development(USAID); the Ministry of Urban Development and PovertyAlleviation; and the National Institute of Urban Affairs,under the programme which will extend for a period offour years, are working on the Financial InstitutionsReforms and Expansion�Debt Market Component(FIRE- D). The FIRE project aims at expanding the rangeof Indian partner institutions, including private sectorentities and NGOs, to identify approaches which canaddress the problem areas on a sustained basis and onthe scale required.

The USAID in consultation with the Authority hasdesigned a multiyear USAID � Financial InstitutionReform and Expansion (FIRE) Project. Under theprogramme, technical assistance will be extended forthe development of Indian Insurance Sector. The USAIDhas deputed a team to implement the insurance part ofthe FIRE Project. The said team has established its projectoffice in Hyderabad. The USAID team, under the FIREproject is assisting the Authority in the following areasof relevance:�

l Solvency and Market conduct of the InsuranceCompanies

l Devising Financial Examination Manual

l Conducting seminars/workshops on ActuarialManagement of General Insurance

l Development of IRDA Information Technologyregulatory system

l Consumer protection

l Review of re-insurance agreements

l Policy issues on Health Insurance in India

The project team has started consultative work on theseissues. A seminar/workshop on financial examinationof insurers was organised in Hyderabad and a draftmanual incorporating the inputs received during thisseminar/workshop examination has been prepared. Theteam has also started working on the issue ofdevelopment of the IT regulatory system for the Authorityand on the expected result of its application. The USAIDconsumer protection expert held discussions with theofficials of the Authority, Ombudsmen and other


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trade-off in these negotiations are bound to be cross-sectoral, with India seeking market access mainly inprofessional service sectors and others demandinggreater market access in infrastructure sectors likeTelecommunication Services, Transport Services,Distribution Services; and in Financial Services.

(vi) PUBLIC COMPLAINTS

In conformity with its efforts to achieve one of theobjectives for which the Authority has been established,i.e., protection of policyholders� interests in everypossible way � the Authority established on 18th

November, 2002, the in-house Consumer GrievanceCell (CGC). The CGC has been constituted with thesole responsibility of taking up the complaints of theinsurance customers � irrespective of the nature of thecomplaints � with the insurance companies and toensure early action on the part of the insurers for theirearly resolution. The insurance companies had beenadvised about the formation of the CGC and the needfor the companies to take them up on a priority basis.The seriousness and sincerity with which the Authoritytreats the interests of the policyholders is also reflectedfrom the fact that during the year under reporting, theAuthority took up in right earnest, the task of enlighteningthe insurance policyholders about the rights andprivileges available to them and the machinery throughwhich they can seek resolution of their insurance-relatedissues. The dissemination of this information has beendone through Electronic and Print media on an on-goingbasis ever since December, 2002.

The Authority is glad to note that its efforts in the directionof protection of policyholders� interests are provingefficacious, as many of the complaints taken up withthe companies have been resolved effectively. The detailsof the complaints received by the Authority and theirdisposal by the life and non-life insurers are given below.The status of complaints referred to life insurance andgeneral insurance companies as on 30th September,2003 is placed at Tables 49 and 50 respectively.

degree of liberalisation in all the service sectors and inall the 4 modes of supply of delivery of Services. Thenegotiations will be comprehensive, covering all sectorsand modes of supply, with no a priori exclusions in orderto achieve an overall balance for all the WTO Members.The Services Sectoral Classification List under GATS haslisted out 12 sectors and 161 sub-sectors all of whichwill be part of these negotiations.

The GATS recognises 4 modes of delivery of Services.These are as follows:

i. Mode 1 � Cross border supply, e.g. supply ofdiskettes, architects blueprints, etc.

ii. Mode 2 � Consumption abroad, e.g. a touristavailing of services abroad

iii. Mode 3 � Commerical presence, e.g. form oflegal entity established abroad like a bank branch

iv. Mode 4-Movement of Natural Persons, e.g.physical movement of professionals, skilled andunskilled labour for temporary period. It does notcover permanent migration

The Authority gave its inputs to the Government of Indiaon the stance which could be adopted with particularreference to the insurance sector. The forthcomingRounds will cover all sectors and modes of supply asearlier mentioned. However, the focus of emphasis ofthe developed and the developing countries is likely tobe different, because of varying interests at micro levels.Developed countries would in all probability press forgreater liberalisation in mode 3 relating to commercialpresence since they would be interested in providingmarket access for their capital. Hence, the pressure ondeveloping countries, including India, would be toprovide greater market access in mode 3 and schedulemore sectors in this mode. On the other hand, for manydeveloping countries including India, the most importantsource of export would continue to be mode 4 relatingto �Movement of Natural Persons�. India, in particular,has interests in seeking greater market access for itsprofessionals and skilled labour in mode 4 because ofits surplus trained and skilled manpower. Thus, the


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TABLE - 49

STATUS OF THE COMPLAINTS RECEIVED BY THE AUTHORITYAGAINST LIFE INSURANCE COMPANIES FOR THE PERIOD

APRIL, 2002 TO SEPTEMBER, 2003S. Name of the Company No. of No. of No. of

No. complaints complaints complaintsreferred to the resolved pending

company

1. Max New York Life Insurance Company 9 7 2

2. SBI Life Insurance Company Ltd. 2 2 0

3. Allianz Bajaj Life Insurance Co. Ltd. 4 3 1

4. ICICI Prudential Life Insurance Co. Ltd. 10 9 1

5. TATA-AIG Life Insurance Co. Ltd. 5 3 2

6. ING Vysya Life Insurance Co. Ltd. 3 3 0

7. Om Kotak Life Insurance Co. Ltd. 2 1 1

8. Birla Sunlife Insurance Co. Ltd. 1 1 0

9. HDFC Standard Life Insurance Co. Ltd. 2 2 0

10. MetLife India Insurance Co. Pvt. Ltd. 1 0 1

11. Life Insurance Corporation of India** 571 221 350

Total 610 252 358

** The figure shown here pertains to the total number of complaints referred by the Authority to the different ZonalOffices of LIC located all over the country.

1. Non-settlement/delay in settlement of claim 1892. Wrongful repudiation of claim/settlement of a claim for lower amount 53. Non-renewal/cancellation/non-issuance/other issues related to policy 1844. Unhelpful/wrong attitude of the officials 505. Other reasons 182

Total 610

Action Taken

1. Action taken and matter closed 2522. Letter acknowledged & reply awaited 453. Action/reply still awaited 313

Total 610


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The status of complaints referred to non-life companies as on 30th September, 2003 is given in theTable 50 below:

TABLE - 50

STATUS OF THE COMPLAINTS RECEIVED BY THE AUTHORITY AGAINSTNON-LIFE INSURANCE COMPANIES FOR THE PERIOD

APRIL, 2002 TO SEPTEMBER, 2003S. Name of the Insurer No. of No. of No. of

No. complaints complaints complaints

referred to the resolved pendingcompany

1. The Oriental Insurance Company Ltd. 346 162 184

2. The New India Assurance Company Ltd. 522 100 422

3. United India Insurance Company Ltd. 426 302 124

4. National Insurance Company Ltd. 421 105 316

5. Bajaj Allianz General Insurance Company Ltd. 38 22 16

6. TATA-AIG General Insurance Company Ltd. 23 17 6

7. ECGC of India 2 2 0

8. Royal Sundaram Alliance General Insurance Company Ltd. 11 6 5

9. IFFCO Tokio General Insurance Company Ltd. 4 3 1

10. Reliance General Insurance Company Ltd. 2 1 1

11. Cholamandalam MS General Insurance Company Ltd 3 2 1

12. ICICI Lombard General Insurance Company Ltd. 9 9 0

TOTAL 1807 731 1076

1. Non settlement / delay in settlement of claim 11462. Wrongful repudiation of claim / settlement of claim for lesser amount 1593. Non � renewal / cancellation / non-issuance/ other issues related to policy 3824. Unhelpful / wrong attitude of the officials 185. Other Reasons 102

Total 1807

Action Taken

1. Action taken and matter closed 7312. Letter acknowledged & reply awaited 8733. No response 203

Total 1807


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The Insurance Ombudsman is empowered to receiveand consider complaints in respect of personal linesof insurance from any person who has any grievanceagainst an insurer. The complaint has to be inwriting, and addressed to the jurisdictionalOmbudsman within whose territory a branch or officeof the insurer complained against, is located. Thecomplaint may relate to any grievance against insurer;partial or total repudiation of claims by the insurer;dispute in regard to premium paid or payable interms of the policy; dispute on the legal constructionof the policy wordings in case such dispute relatesto claims; delay in settlement of claims and non-issue of any insurance document to customers afterreceipt of premium.

The limit of an Ombudsman�s powers is at presentprescribed at Rs.20 lakh. The Redressal of PublicGrievances Rules, 1998, where under the InsuranceOmbudsman is appointed, is complementary to theregulatory functions of Authority, which has beenmandated to take all necessary steps to protect theinterests of the policyholders. The institution ofOmbudsman has evoked a good deal of publicappreciation.

The tabulations at Annexure VIII (a to c), indicatethe number of complaints handled by theOmbudsmen. An analysis of the complaints disposedby the Ombudsmen at different centers indicates thatthe total number of complaints received by theOmbudsmen has increased by more than 25 percent. During the year 2002-03, 3898 complaintswere received by Ombudsmen pertaining to non-life sector, of which 2497 were disposed off. Inthe life sector, 2481 were received out of which1917 were disposed off.

From time to time, the offices of InsuranceOmbudsmen also bring out literature to educate theconsumers about various avenues for redressal oftheir grievances. The list of insurance ombudsmenis placed at Table 51.

(vii) FUNCTIONING OF THE ADVISORYCOMMITTEE

The Insurance Advisory Committee has been establishedunder the IRDA Act, to advise the Authority on mattersrelating to formulation of the regulations and on suchother matters as may be prescribed. All regulationsnotified by the Authority are finalised in consultationwith the Committee. During the period under report,one meeting of the Committee was held on 23rd

September, 2002. Draft regulations relating to insurancebrokers, distribution of surplus in life insurance businessand corporate agents, were discussed at length atthe meeting of the Committee, in addition to otheritems of the agenda. Till date six meetings of theCommittee have been held. The 25 memberCommittee represents the interests of commerce,industry, transport, agriculture, consumer fora, women,surveyors, agents, intermediaries, organisationsengaged in safety and loss prevention, researchbodies and employees� association in the insurancesector. The list of members of the Advisory Committeeis placed at Annexure � IX.

(viii) FUNCTIONING OF OMBUDSMANThe institution of Insurance Ombudsman has greatimportance and relevance for the protection ofinterests of policyholders, and also to build up theirconfidence in the system. This institution has helpedto generate and sustain the faith and confidenceamongst the consumers in insurers. The InsuranceCouncil, which is the administrative body, hasappointed twelve ombudsmen across the country andhas equipped them with the necessary infrastructure.All insurers are required to honour the awards passedby an Ombudsman, within a period of three monthsof the order. The awards are binding on theinsurance companies; the customer, however, canopt out, in which case other avenues for grievancesettlement can be explored by the aggrieved party.An Ombudsman, under the rules, has been entrustedwith two functions, viz., conciliation and awardmaking.


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TABLE - 51

LIST OF INSURANCE OMBUDSMENOffice of the Contact Details Areas of JurisdictionOmbudsman

AHMEDABAD Gujarat, UT of Dadra & Nagar Haveli,

2nd Flr., Ambica House, (O) 7546150 Daman and Diu

Nr. C.U.Shah College Fax:079-7546142

5, Nayvug Colony, E-mail: [email protected]

Ashram Road,

AHMEDABAD - 380 014

BHOPAL Madhya Pradesh & Chhattisgarh

1st Floor, 117, Zone-II, (O) 578100

(Above D.M. Motors Fax:0755-578103

Pvt. Ltd.) E-mail:[email protected]

Maharana Pratap Nagar,

BHOPAL - 462 011

BHUBANESWAR Orissa

62, Forest Park, (O) 535220

BHUBANESWAR - 751 009 Fax:0674-531607

Email :susantamishra@yahoo.

com; [email protected]

CHANDIGARH Punjab, Haryana, Himachal Pradesh,

S.C.O. No. 101,102&103, (O) 706196 Jammu & Kashmir, UT of Chandigarh

2nd Floor, Batra Building, EPBX: 0172-706468

Sector 17-D, Fax: 0172-708274

CHANDIGARH - 160 017

CHENNAI Tamil Nadu, UT�Pondicherry Town and

Fatima Akhtar Court, (O) 4333678 Karaikal (which are part of UT of

4th Flr., 453 (Old 312 ) Fax: 044-4333664 Pondicherry)

Anna Salai, Teynampet, E-mail ad: [email protected]

CHENNAI -600 018

DELHI Delhi & Rajasthan

2/2 A, Universal Insurance (O) 3239611

Bldg. Asaf Ali Road, Fax: 011-3230858

NEW DELHI � 110 002


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GUWAHATI Assam, Meghalaya, Manipur,Aquarius, (O) 413525 Mizoram, Arunachal Pradesh,Bhaskar Nagar, EPBX: 0361-415430 Nagaland and TripuraR. G. Baruah Rd., Fax: 0361-414051GUWAHATI - 781 021

HYDERABAD Andhra Pradesh, Karnataka and UT of6-2-47, Yeturu Towers, (O) 6574325 Yanam � a part of the UT of PondicherryLane Opp.Saleem Function, Fax:040/3376599Palace, A. C. Guards, E-mail ad: [email protected],HYDERABAD - 500 004.

KOCHI Kerala, UT of (a) Lakshadweep,2nd Flr., CC 27/2603 (O)373334 (b) Mahe � a part of UT of PondicherryPulinat Building, Fax: 0484-373336Opp. Cochin Shipyard, E-mail: [email protected]. Road,ERNAKULAM - 682 015

KOLKATA West Bengal, Bihar, Jharkhand and UTNorth British Bldg., (O) 2212666 / 2212669 of Andaman & Nicobar Islands, Sikkim29, N. S. Road, 3rd Flr., Fax: 033-2212668KOLKATA -700 001.

LUCKNOW Uttar Pradesh and UttaranchalChintel�s House, 1st Flr., (O) 63548616, Station Road, Fax:0522-636755LUCKNOW - 226 001 E-mail: [email protected]

MUMBAI Maharashtra, Goa3rd Flr., Jeevan Seva, (O)6106928Annexe (Above MTNL), EPBX: 022-6106889S. V. Rd., Santa Cruz (W), Fax: 022-6106052, 6106980MUMBAI - 400 054 Email: [email protected] /

[email protected]

Note : Address and contact number of Governing Body of Insurance Council: SECRETARY GENERALGoverning Body of Insurance CouncilJeevan Seva Annexe, 3rd Floor, (Above MTNL), S.V. Road, Santacruz (W), Mumbai � 400 054Tel. No. : 022 - 610 6889 Fax No. : 022 � 6106980, 610 6052E-mail ID: [email protected]

Office of the Contact Details Areas of JurisdictionOmbudsman


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related issues from time to time. The Authority hasactivated its Consumer Grievance Department on thebasis of the recommendations of this Committee.

Expert Committee on Remuneration toIntermediaries:In order to streamline the remuneration payable toinsurance brokers and agents, an Expert Committee hasbeen constituted under the Chairmanship of Mr. A. C.Mukherjee. The report of the Committee is expected tobe submitted in December, 2003.

Technical Committee on IRDA RegulatedEntities (To review Capital MarketRelated Developments)The High Level Committee on Capital Markets (HLCCM)was set-up by the Government of India to have regularinteraction among the banking, capital market andinsurance regulators namely RBI, SEBI and IRDA. TheHLCCM has constituted technical committees undereach of the regulators. The technical committee on IRDARegulated entities will have the following constitution:

l Chairman: Member/ Executive Director, IRDA

l Member-convener: Deputy Director of theconcerned department, IRDA

l Representatives from SEBI, RBI and MOF at not lessthan JS/ CGM level.

l The Committee will be authorised to invite personsfrom insurance companies and investigativeagencies as and when they are required for bettercoordination and surveillance & monitoring ofexposures of insurance sector to capital market.

The terms of reference of the Committee are:

(i) The primary responsibility of the Committee wouldbe to provide an inter-agency forum to reviewexposure of the insurance sector to the capitalmarket with a view to identifying any unusualdevelopments resulting from such exposures.

(ii) To decide on sharing of information withinvestigative/intelligence agencies in case ofsuspected market misconduct.

(iii) To develop benchmarks for parameters that mayserve as early warning signals of emergingirregularities, relating to insurance sector exposurein the capital market.

(ix) REVIEW OF PERFORMANCE OFVARIOUS COMMITTEES SET UPFROM TIME TO TIME BY THE IRDA

Rangarajan Committee

IRDA had set up a Committee on Motor De-tariffingunder the Chairmanship of Justice Rangarajan and onthe basis of its Report, it has been decided to de-tariffthe motor own damage section from April, 2005onwards. The details of the report have been coveredin Part I.

S V Mony Committee

Based on the recommendations of the RangarajanCommittee it was decided to introduce the system offree pricing on the Own Damage portion of MotorLiability, effective 1st April 2005. With a view to pavingthe way for smooth transition to the de-tariffed regime,the Authority constituted a Group under theChairmanship of Mr. S.V. Mony, Ex. Chairman GIC, andVice Chairman AMP Sanmar to consider the alternativesavailable to have a free market availability of productsand to suggest to the Authority measures to be taken inthis regard including adoption of differential tariffing.The terms of reference of the Committee are as under:

l Preparation of blueprint for pricing of motorinsurance (Own Damage) in line with theinternational best practices

l Examine the need for rating modules to bestandardised to avoid extremes

l Necessity of the regime of �file and use� of theproducts with the regulator in the absence of a tariff(actuarial vetting and database)

l Refusal to cover and excessive pricing

l Whether scope of cover needs to be uniform orfree market conditions can prevail

l Prevention of predatory pricing � steps andsafeguards

Consumer Advisory Committee

A Consumer Advisory Committee is in place. TheCommittee advises the Authority on various consumer


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for setting up an independent Institute of Surveyors andLoss Assessors on the lines similar to the otherprofessional bodies like the Institute of CharteredAccountants of India. The main objective behindrecommending formation of a separate institute is topromote quality in the profession of surveyors througheducation and training, and to facilitate introduction ofbest practices among members. For this purpose, theGovernment had set up a Committee under theChairmanship of Mr. K. N. Bhandari, former Chairmanof the New India Assurance Company Limited. On thebasis of the report submitted by the Committee, theGovernment has advised the Authority to promote anself-financing and self-regulated institute on the modelof Institute of Chartered Accountants of India/ Instituteof Company Secretaries of India. The Authority is takingfurther steps for the formation of the Institute at theearliest possible. The functioning of the Institute will bereviewed after a period of three years before taking andecision as to whether it could be conferred a statutorystatus through an Act of Parliament.

Comprehensive review of Insurance Act,1938

The Authority advised the Law Commission of India toreview the Insurance Act, 1938 and to consolidate theinsurance related legislations into a single Act of theParliament. This move was welcomed by all thestakeholders in the insurance industry. The LawCommission issued a consultative paper for commentsof all concerned. Officers of the Authority were alsoinvolved in this exercise. After considering thesuggestions/comments received, the Law Commissionhas forwarded its recommendations to the Government.The Ministry of Law has already started work on thisand a new Insurance Act will be in place incorporatingsuggestions/recommendations of the Law Commission.

Association with other organisations:

(i) Ministry of Statistics and ProgrammeImplementation

The Authority is coordinating with the Ministry of Statisticsand Programme Implementation based on therecommendations of the National StatisticalCommission. The scope of the statistics proposed to be

(iv) To coordinate action with other regulators basedon the early warning system developed by theCommittee.

The Committee shall generally meet six times a year,roughly once in two months even if there is no unusualdevelopment. However, if any unusual development isnoted by any of the supervising agencies, then a meetingcan be called at short notice at the request of any of themembers and then the Committee would meet as oftenas required. Reports of the Technical Committee wouldbe submitted to the MOF, which may keep HLCCMsuitably informed about the findings of the Committee.

Monitoring of Systemically ImportantFinancial IntermediariesIn consultation between the three regulatory bodies, viz.,RBI, SEBI and IRDA, it has been decided to establish aspecial monitoring system for Systemically ImportantFinancial Intermediaries (SIFIs).

With increasing integration of financial markets,restructuring and consolidation in the financial sector,inter-linkages with subsidiaries and growing overlap ofbanking and non-banking activities of financialinstitutions, issues of systemic stability have acquired newdimensions that require a proactive stance so that thegains on financial stability are further strengthened. It istherefore necessary to set up a monitoring system inrespect of SIFIs that would encompass:

i. a reporting system for SIFIs on financial mattersof common interest to RBI, SEBI and IRDA;

ii. the reporting of intra-group transactions of SIFIs;and

iii. the exchange of relevant information among RBI,SEBI and IRDA.

It has been agreed that, after co-opting a member fromIRDA, the present RBI-SEBI Technical Committee, wouldpropose a list of SIFIs and advise on a reporting system.

(x) REVIEW OF THE ADVISORYFUNCTIONS PERFORMED BY THEAUTHORITY FROM TIME TO TIME

Promotion of Institute of Surveyors andLoss AssessorsThe Authority has made a detailed proposal to theDepartment of Economic Affairs, Ministry of Finance,


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compiled for the insurance sector include income andexpenditure; assets and liabilities; sources and uses offunds; investments, operations of insurance companiescovering aspects such as life and non-life business,reinsurance, pension, superannuation, health insuranceand crop insurance. The Authority has been made thenodal point for collection and dissemination of statisticspertaining to the insurance sector. The compilation ofstatistics shall also cover insurance statistics pertainingto Postal life, Employees� State Insurance, Army and otherGroup Insurance Schemes, Pension and SuperannuationSchemes.

(ii) Sub Group on Health Economics

Officers of the Authority have been nominated to theTenth Five Year Plan Working Sub Group on HealthEconomics where issues relating to spread of healthinsurance have been discussed in depth for formulatingan appropriate strategy for implementation.

(iii) Sub Group on Disaster Management

Officers of the Authority have also worked with the SubGroup on Disaster Management under the aegis of theMinistry of Agriculture on natural and man madecatastrophes.

PART III


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STATUTORY FUNCTIONS OF THE AUTHORITY ENSHRINED INTHE SECTION 14 OF THE INSURANCE REGULATORY AND

DEVELOPMENT AUTHORITY ACT, 1999

(a) Issue to the applicant a certificateof registration, renew, modify,withdraw, suspend or cancel suchregistration

The Authority issued certificates of registration to thefollowing new entrants:

- Cholamandalam MS General Insurance Co. Ltd.on 15.07.2002

- Aviva Life Insurance Co. Ltd. on 15.05.2002

- HDFC Chubb General Insurance Co. Ltd. on27.09.2002

- Export Credit Guarantee Corporation of IndiaLtd. on 27.09.2002 (for credit insurance only)

- Agriculture Insurance Co. Ltd. on 29.10.2003(for underwriting crop insurance)

The Certificate of registration of all the existinginsurance companies in the life and non-life sectorshas been renewed in terms of section 3A of theInsurance Act, 1938. As regards the exempted insurerswhose list is placed at Annexure II to the Report,the Authority is making efforts to ensure that theregulations notified are adhered to by them and thatthey conduct their affairs in a manner which is neitherdetrimental to the interests of the insurance policyholdersnor prejudicial to the interest of the orderly growthof insurance industry.

The Authority did not modify, withdraw, suspend orcancel the certificate of registration of any insurer.

(b) Protection of the interests of thepolicyholders in matters concerningassigning of policy, nomination bypolicyholders, insurable interest,settlement of insurance claim,surrender value of policy and otherterms and conditions of contractsof insurance:

The Authority carried out modifications in the Protectionof Policyholders Regulations in October, 2002 to

make them more robust. The amendment in theregulations has enabled the life insurers to chargepremiums upto 100 per cent of premium of basicproduct in case of health related or critical illnessriders and upto 30 per cent of premium of basicproduct in case of all other riders.

In addition, Authority has issued orders to generalinsurers permitting them to load third party tariffpremium by 100 per cent if the claim experienceof any individual insured is adverse as per the insurer�sassessment. If the experience continues to be bad,then a further loading of 100 per cent of the expiringpremium can be charged. However, no extra premiumcan be charged beyond these specified limits. Witha view to ensuring that the order is implementedin both letter and spirit, the Authority has asked theinsurers to communicate this to all their underwritingofficers.

The Authority during the course of the year underreporting, repeatedly drew the attention of the insurersto the salient provisions of the Protection of PolicyholdersRegulations and advised compliance of the same.It followed this up by constituting a Cell in the Authorityheaded by the Executive Director to look into thecomplaints/grievances of insurers and take it up withrespective insurers for early resolution of grievances.

The Authority in order to protect the interests of thepolicyholders exercised the powers given to it undersection 64U(M) and 102 of the Insurance Act, 1938,and directed Oriental Insurance Co. Ltd. and NewIndia Assurance Co. Ltd. to discharge liability undermarine hull, marine cargo and fire insurance policies.

The Authority issued a notice to all life insurersdirecting them to have premium rates with the facilityof premium calculator on their respective websitesin order to ensure transparency and openness incomputation of the pricing of their policies for thebenefit of the consumers. A recent development is


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Hyderabad has been recognised as the institute toimpart practical training and conduct examination forCEOs/ CAOs of the licensed TPAs. The regulationsprovide that the CEO/CAO of the TPAs shall undergo100 hour practical training in addition to meetingthe qualification requirements. The said requirementis to be complied within a period of two years fromthe date of registration of the TPA. To ensure compliancewith the said stipulation, the Authority took stepsduring the year 2002-03 to organise the trainingsessions. The training module was prepared by MedVarsity, Hyderabad in collaboration with AdministrativeStaff College of India (ASCI), Hyderabad. The modulecomprises of online training plus 3 days practical(In House) training at the premises of ASCI. The firstbatch of the training programme, which comprisedof about 20 participants, was held in mid February,2003. The Second batch of training of theCEO/CAOs of the TPAs was concluded in the monthof September, 2003 to facilitate the TPAs to fulfillthe stipulations of the IRDA Regulations. With a viewto capacity building and to take care of thecontingencies which may occur in future, it wasemphasised that more than one representative of theTPA should participate in the training program.

The Authority advised both the general insurers andthe TPAs that if any agreement was entered into atthe insistence of their clients for the sake of businessconsideration of charging separate fees in additionto insurance premium, the same would be treatedas being outside the scope of IRDA (TPA � HealthServices) Regulations, 2001. Adequate precautionswere required to be taken by both the insurers andthe TPAs to clearly intimate this fact to the customers/clients. The TPAs were also informed that therequirements of passing the Associateship exams ofInsurance Institute of India, Mumbai by CEOs / CAOswas extended till May, 2004. However, no relaxationwith respect to 100 hours training conducted byAdministrative Staff College of India was allowed.

With the publication of IRDA (Licensing of CorporateAgents) Regulations, 2002 it was notified that thedesignated person responsible for grant of individualagents license would also be competent to issuecorporate agency licenses. Further the Indian Instituteof Bankers, Mumbai was designated as the examining

the decision of the Executive Committee of the LifeCouncil, to adopt standards of good conduct andsound practices under the provisions of Sec 64J(i)of Insurance Act, 1938. These standards provideservice parameters with respect to product designbrochures, premium receipts, illustrations on theproducts, policy information statement and the provisionfor issuing an annual statement to the policyholders.

The Authority also directed the life insurers to displaythe latest Net Asset Value (NAV) of Unit Linked policiesalong with the date of valuation. This stipulation hasbeen made to ensure that policyholders are awareof the value of the investments made in unit linkedproducts. The Authority issued notice to all life insurerson publications of charges in sales literature in unitlinked policies.

The Authority undertook an awareness campaign onDoordarshan/ All India Radio at the national levelwith the objective of educating the insurance consumerson their rights and obligations, the functions ofintermediaries, the ombudsman scheme, etc. Byeducating and improving the awareness of theconsumer, the Authority sought to protect the interestsof the policyholders. During the year under review,a circular was issued to all insurers to follow thefile and use procedure adopted by the Authority andnot to introduce any products or amendments onthe existing products without intimating the same tothe Authority.

(c) Specifying requisite qualifications,code of conduct and practicaltraining for intermediary orinsurance intermediaries andagents

During the year 2002-03, the Authority issueddirections, circulars, orders and communications onthe requisite qualifications, code of conduct andpractical training to insurance intermediaries andagents to ensure that provisions of Insurance Act andregulations made there under are complied with andare administered.

The Authority issued a Circular intimating all concernedthat the Administrative Staff College of India (ASCI),


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on the implementation of the system of categorisationby the companies. The Authority revised the financiallimits for different categories of surveyors during thecurrent financial year 2003-04. The financial limitsof the surveyors are given at Table 44 of the Report.

(e) Promoting efficiency in the conductof insurance business

The insurers started devising new strategies to reducetransaction costs in doing insurance business. Useof technology, internet, computers helped companiesin achieving economies of scale. The private insurershave started issuing a large number of policies overthe web, thereby effectively reducing their costs. Theinsurers, for improving customer service have alsostarted continuous professional developmentprogrammes for their professionals.

The CEOs of the companies at the annual conferenceheld in May, 2003, made presentations to the Authorityoutlining their goals and objectives. They emphasisedon controlling expenses of management with theultimate aim of improving efficiency in the conductof insurance business. The companies to promoteefficiency in their operations have initiated many othersteps at the operational levels. Payment of premiumthrough credit or debit cards, internet, e-transfer, etc.,has been allowed to ensure working efficiency andservice to the customer.

Both the Life and General Councils were active duringthe year under report. The Life Insurance Councilappointed a Committee under the chairmanship ofMr. H.O. Sonig to give its recommendations on agentscompensation. The report was submitted to the LifeCouncil. The General Insurance Council came upwith suggestions pertaining to cases involving breachof tariff. It also concluded important agreements,including those on knock for knock agreement,coinsurance agreement and discussed important issueslike charging of overage extra, issuance of policieson first loss basis, etc.

(f) Promoting and regulatingprofessional organisationsconnected with the insurance andre-insurance business:

In line with the objectives of creating an efficient,effective and progressive Indian insurance sector, IRDAand the Government of Andhra Pradesh has jointly

body for grant of certificate to the employees/ officersof the banks. The syllabus for such employees/ officersof the banks willing to become specified persons forselling insurance products for the corporate agentswas also approved by the Authority. The employeesand officers of the banks could undergo training fromthe existing accredited institutes or from the traininginstitutes of the banks, which were approved by theAuthority. The Regulations pertaining to corporateagents and insurance brokers have laid down indicatingeducational qualifications and training requirementsfor the corporate insurance agents, specified person,principal officers and other marketing persons. TheAuthority has also specified the code of conduct, therights and duties of intermediaries and the agentsfor the overall healthy development of these entities.

The Authority approved a list of training institutes toprovide training to candidates appearing forexamination of insurance brokers. The head officetraining centres of National, New India, Oriental andUnited were approved along with the ManagementDevelopment Centre of Life Insurance Corporation,Mumbai. In addition, National Insurance Academy,Pune, College of Insurance, Mumbai and three privateinstitutes were also approved to impart training tobrokers as per the syllabus approved by the Authority.All the institutes were advised to prepare coursematerial based on the syllabus approved by theAuthority. National Insurance Academy, Pune hasbeen designated as the examining body for brokers.

(d) Specifying the code of conduct forsurveyors and loss assessors

The Authority finalised the syllabus for training ofsurveyors and loss assessors who would take theexamination after one year of practical training undera senior surveyor. The first such examination wasconducted in February, 2003 by Insurance Instituteof India, Mumbai. Thereafter, the examinations arebeing held as per the schedule laid down.

The Authority took steps to enforce the code ofconduct for surveyors and loss assessors. The generalinsurers were advised to furnish information aboutthe list of cases in which more than one surveyorwas deputed, as well as about the surveyors blacklistedby any insurer, without intimation to the Authority.A Report was also sought from the general insurers


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number of institutes (list placed at Annexure XII tothe Report). In addition, the Institute of CharteredAccountants of India has been given authorisationby the Authority to conduct a diploma course in RiskManagement for the benefit of its members. In additionICAI has been recognised by the Authority to undertaketraining courses for those chartered accountants whoaspire to become surveyors and loss assessors. Thetraining course conducted by the Institute will berecognised for the purpose of fulfillment of trainingrequirements under the Insurance Act, 1938.

(g) Levying fees and other charges forcarrying out the purposes of thisAct

The Authority notified the licensing of corporate agentsregulations during the year under report. The feepayable for issue or renewal of license to act asa corporate agent is Rs.250/-. Every specified personof the corporate agent is required to pay a feeRs.500/- to the Authority for grant of certificate.

The Authority notified the Insurance brokers Regulations.As per the regulations a direct broker is requiredto pay an amount of Rs.25,000/-. The license feefor reinsurance brokers is Rs.75,000/- and for acomposite broker the fee is Rs.1,25,000/-.

The requirement for payment of application/processing/ registration fee payable by the insurers,surveyors and loss assessors and intermediariesincluding agents, TPAs, brokers and corporate agentsis given at Annexure X.

The regulations also provide for payment of renewalfees by the insurers. During the year, the Authorityreduced the levy for renewal of registration of insurersto 10 per cent of 1 per cent of the gross premiumfor the year 2003-04. The relaxation was an extensionof the benefit already extended in the years 2001-02 and 2002-03. As a step forward, with theamendment of the regulations pertaining to registrationof Indian insurers, in 2003, the registration fee nowstands reduced from 20 per cent to 10 per centof 1 per cent of the gross premium or Rupees fiftythousand whichever is higher at the time of renewalof registration, every year.

established the Institute of Insurance and RiskManagement (IIRM). The Institute through itscollaborative network will be involved in providingservices for the benefit of the industry, includingresearch & consultancy, advanced technical andmanagement programs, post-graduate education,conference & events, insurance regulators� &supervisors� training and bringing out publications.During the year 2002-03, the IIRM has conductedthe following activities:

● Seminar on Core principles for regulators jointlywith IAIS and UNCTAD, August, 2002 inHyderabad.

● Seminar on Pension with a special focus on India,August 2002 in Hyderabad.

● 3rd emerging Insurance Market conference,January 2003, New Delhi jointly with UNCTAD,OECD and IAIS.

● OECD/INPRS 2nd conference on Private Pensionsin Asia and 2nd Asia Pacific Regional INPRSMeeting, May 2003, in Hyderabad.

● An industry forum on �Current Developments andFuture Prospects in the Indian Insurance Industry�in September, 2003 in Hyderabad.

● Intensive course on Marine Insurance, inSeptember, 2003 in Hyderabad.

● Intensive course on Reinsurance, October, 2003in Hyderabad.

The educative material and reports used in the aboveseminars are being kept in the libraries of the Instituteand the Authority for reference purposes. The Institutein collaboration with UNCTAD launched theInternational Post Graduate Diploma in Insurance(IPGDI). The course has been designed throughinternational collaborative efforts to meet the insuranceindustry�s need for highly qualified manpower. Thefirst IPGDI class is presently being conducted inJakarta with 20 students. The class is taught in Jakartaby IIRM international affiliate faculty committed toprovide an excellent quality of learning experienceto the students of IIRM.

The Authority approved the Post-graduate Diplomasin Insurance and Risk Management of one and twoyear durations. These diplomas are conducted by a


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The Authority advised all insurers to submit acompliance certificate on quarterly basis to the PublicDebt Office, confirming the position regarding monthlyconciliation of SGL/CSGL Accounts and that the samewere placed before the Audit Committee of the Boardof respective insurer, under intimation to the Authority.During the period under review, the Authority soughtsubmissions of statutory returns in excel format.

The Authority directed all the licensed brokers to filewithin 30 days (of last day of each month) a statementindicating: the names of clients on whose behalf thebusiness had been placed with an insurer, type ofbusiness that had been contracted, the brokerageor remuneration received and persons to whompayments had been effected.

The IRDA (Assets, Liabilities and Solvency Margin ofInsurers) Regulations, 2000 provide for the mannerin which reserves for �outstanding claims� and reservefor �incurred but not reported claims� shall be provided.In such determination, the appointed actuary is requiredto follow the Guidance Notes issued by the ActuarialSociety of India in concurrence with the Authority,and within the framework of the directions issued bythe Authority on the same.

Targeted inspection of non-life insurers was carriedout to review the reserves created by them as theAuthority was concerned about the adequacy of thereserves being created by the insurers.

Some TPAs were subjected to inspection followingcomplaints against them. In addition, inspection ofinsurance brokers was conducted to check on theirphysical infrastructure, human resources, ability toperform the assigned duties, etc.

The Authority advised all insurers to furnish particularsof all persons paid remuneration whether by way ofcommission or otherwise where such remunerationexceeded such sum as required under 217(2A) (a)of Companies Act, 1956 read with Companies(Particulars of Employees) Rules, 1975.

The Authority issued a circular to all the insurers askingthem to furnish details of equity holding pattern ofinsurers with a view to facilitate monitoring of foreignequity holding in insurance companies on a quarterlybasis as per the prescribed proforma. In additioninsurers have also been advised to furnish the equity

The regulations also have penal provisions in caseof delay in payment of requisite fees. However, therehas been no occasion to invoke these provisions till date.

(h) Calling for information from,undertaking inspection of,conducting enquiries andinvestigations including audit of theinsurers, intermediaries, insuranceintermediaries and otherorganisations connected with theinsurance business

The Authority commenced the exercise of on-siteinspection during the financial year 2002-03. Theinspection processes carried on by the Authority canbe broadly categorised into two, viz:

l Overall inspection of the insurance companies.

l Targeted inspection, as to meet the specificobjectives.

The officers of the Authority carried out inspectionof selected insurers with a view to finding out whethertheir operations and affairs were conducted in therequired professional manner or not. These inspectionswere also aimed at getting an overview of theoperations of the insurers, with respect to complianceof the regulations and various provisions of theInsurance Act, 1938.

The Authority levied a penalty on Reliance GeneralInsurance Co. Ltd. under section 105B of the InsuranceAct, 1938 for not fulfilling the rural sector obligationsunder Section 32B and 32C of the Insurance Act,1938. The company represented against the orderexplaining the reasons for incorrect reporting offigures. The Authority conducted an inspection andbased on the findings and verification of figures,rescinded the penalty proceedings against the companyand withdrew the order levying the penalty.

The Office of Commissioner of Central Excise, Mumbai-V sought information on whether all tax payers providingi) insurance services; and ii) insurance auxiliary serviceshad taken service tax registration and were payingtax or otherwise. The insurers were asked to send theinformation to the Commissioner directly.


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package policies. Yet another circular was issuedwhich permitted insurers to issue the comprehensivepackage policy under CPM - Equipment InsurancePolicy. The company-wise details of the products filedby the non-life insurers under the �file & use� procedureof the Authority, during the years 2001-02 and2002-03, are placed at Tables � 32(i) & (ii)

In case of tariff products, the insurers are requiredto file the products and pricing details with the TariffAdvisory Committee.

(j) Specifying the form and manner inwhich books of account shall bemaintained and statement ofaccounts shall be rendered byinsurers and other insuranceintermediaries:

All insurers were advised on the amendments in theIRDA (Preparation of Financial Statements and AuditorsReport of Insurance Company) Regulations, 2002.Following a meeting with the accountants andappointed actuaries of insurers, the Authority clarifiedthe manner in which figures were to be reported whilefinalising the financial statements for the financial year2002-03. The areas which were covered in thecircular included segment reporting, cash flowstatement, managerial remuneration, related partytransactions, transfer of securities to policyholdersaccounts, guidelines for recognition of claim, bankreconciliation as at 31st March, provisions for freelook period, catastrophe reserves, investments ofpolicyholders and shareholders, social sector business,preliminary expenses, actuarial valuation of claimspayment for more than 4 years, treatment of premiumdeficiency, treatment of charge on the credit card,unallocated premiums, premium received in advance,contingent liabilities and permission to open SGLAccount with RBI at the headquarters of the insurer.In addition two annexures have been specified, whereininsurers are required to give summary of financialstatement for last 5 years and the performance ratios.The Authority, however, granted relaxation to thepublic sector insurers on creation of reserve forpremium deficiency, preparation of cash flow statementand actuarial valuation of claim liability because ofthe difficulty expressed by them, in preparing theannual accounts for the financial year 2002-03.

holding pattern of the Indian promoters of insurancecompanies.

(i) Control and regulation of the rates,advantages, terms and conditionsthat may be offered by insurers inrespect of general insurancebusiness not so controlled andregulated by the Tariff AdvisoryCommittee under section 64U of theInsurance Act, 1938 (4 of 1938)

All insurers carrying on general insurance businessare required to file their rates, terms, advantages,terms and conditions with the Authority 30 days priorto the use of an insurance product. The �file anduse� system implemented for non-tariff classes ofbusiness in general insurance encourages companiesto compete for business and makes it easier forinsurance companies to respond to changing marketconditions. It also provides more flexibility in the typesof policy forms companies can use, besides allowingthem to create a broader �menu� of products fortheir customers. The insurers are accordingly requiredto file a profile of the new products and the policyof pricing adopted by them. This profile is accompaniedby a statement from the advocate that the terms andconditions offered are not prejudicial to thepolicyholders� interests. In certain cases, the Authorityseeks an opinion of an actuary with a view to checkingwhether the pricing has been made on professionalassumptions and statistics. While the Authority doesnot intend to grant any specific approval to anyproduct, it reserves the right to respond within 30days of the receipt of the insurance product, as towhether it would be in the interest of consumer orhelp to develop insurance market or be free fromfalse promises/allurements or self sustainable and notdependent on subsidy of premium from other class/category of insurance customers, etc. The Authorityalso reserves the right to suggest changes in the profileof the product as well as its pricing.

During the year, the general insurers were advisedto design professional indemnity cover for insurancebrokers. The Authority issued a circular to all generalinsurers wherein the insurers were allowed coveragefor fire insurance on first loss basis under householders


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incomes and/or principal on maturity, on a quarterlybasis, and particulars of the provisions made/ proposedto be made on the same. The Authority also laiddown the guidelines for investments in mutual funds.These investments are required to be made only underthe �other than approved� category of investments,as per the exposure norms for such investments. Themodalities for valuation of mutual fund investmentshave also been laid down. As a step towards establishingreconciliation between the purchases and sales ofinvestments with the status report furnished underForm 3A and Form 3B by insurers on a quarterlybasis, the insurers have been advised to file areconciliation statement on the purchases and salesof Investments, within a period of 21 days from theend of each quarter.

(l) Regulating maintenance of marginof solvency

The Authority requires both the life and non-lifeinsurance companies to maintain a specified marginof solvency. The information pertaining to the sameis required to be furnished as per the forms prescribedin this regard. All insurers have filed the statementof solvency margin as required under the Assets,Liabilities and Solvency Margin of Insurers Regulations.

(m) Adjudication of disputes betweeninsurers and intermediaries orinsurance intermediaries

The Authority is in the course of establishing amechanism for adjudication of disputes betweeninsurers and intermediaries or amongst insuranceintermediaries, to discharge the functions entrustedto it under the provisions of the statute. During theperiod under review no case was referred to theAuthority for adjudication of disputes.

(n) Supervising the functioning of theTariff Advisory Committee (TAC)

The year 2002-03 presented the TAC with newdimensions in its role as a facilitator between insurersand insured�s. While on the one hand the marketexpansion gave access to new, well computed datasource from private sector players, it also kept it busy

The Central Board of Direct Taxes under Ministry ofFinance issued a notification amending Rule 6E ofthe Income Tax Rules, 1962 relating to provisionsfor unexpired risk in respect of fire and engineeringinsurance policies which provide cover against riskof terrorism. According to the notification, 100 percent of the net premium income arising from fireor engineering insurance which provides for terrorismrisk will be allowed to be carried to reserve forunexpired risks.

The Authority took steps towards finalising the modalitiesfor computerisation of both filing and evaluation forthe statutory returns to be filed by the insurers/intermediaries. The insurers were advised to file theaccounts by returns in electronic form for a periodof three years, i.e., 2000-01 to 2002-03 as per thesoft modules which have been made available tothe insurers through the Authority�s website. ExportCredit Guarantee Corporation (ECGC) an existingcompany which was granted registration by theAuthority, in the financial year 2002-03, was grantedexemption from compliance of the reportingrequirements, for the said year.

Further, the Authority recently acceded to the insurers�request to take the market price of the actively tradedsecurities at the lowest of the last quoted closing priceat the National Stock Exchange or Bombay StockExchange for the purpose of such fair valuation.

(k) Regulating investment of funds byinsurance companies

The Authority issued a number of clarifications/guidance notes to the insurers on investments duringthe financial year 2002-03. The Authority has alsogranted exemptions to insurers on a case-to-casebasis. All insurers were advised to file the compliancecertificate under section 28(2A), 28(2B) and 28B(3)as per the prescribed format along with the investmentreturns on a quarterly basis. The certificate for thelast quarter of the year was to be accompanied bya certificate from the custodian confirming the valueof the securities held and certifying that the samewere free of encumbrances, charges, hypothecationand lien. The insurers have also been advised tofurnish particulars of defaults in receipts of periodic


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TABLE - 52

LIST OF EXISTING TARIFF BUSINESS CONTROLLED BY TAC

FIRE- All India Fire Tariff, Petrochemical Tariff, Industrial All Risks Tariff, Consequential Loss (Fire) Tariff

MARINE - Marine Hull Manual rating Guidelines, Tea Tariff

ENGINEERING - Contractor�s All Risk Tariff (CAR), Contractors Plant and Machinery Tariff (CPM), ElectronicEquipments Insurance Tariff (EEI), Machinery Breakdown Tariff (MB), Civil Engineering Completed Risks Tariff(CECR), Storage cum Erection Tariff (SCE), Loss of Profit, Boiler and Pressure Vessels Tariff, Deteriorationof Stocks (Potato) Tariff etc.

MOTOR - All India Motor Tariff

MISCELLAENOUS - Workmen Compensation Tariff

Data constitutes a key element in informed decisionmaking process for the insurance industry, as indeedfor every successful organisation. The TAC whichis mandated under Sec. 64UE of the Insurance Actto collect data from insurers has been actively tryingto build up a database for future use of insurers,with the Regulator as the service provider. To thisextent, efforts are underway to enhance competencieswithin the TAC with the assistance of multilateralagencies like World Bank. The TAC has beenmaintaining a database for declined lives in the lifesector.

The role of TAC as enshrined in the Insurance Act,1938 is expected to change once de-tariffing of motorown damage segment is undertaken from 1st April,2005. It is expected that other classes of insurancebusiness will have to follow in order to avoid thepitfalls of having cross-subsidisation amongst variousclasses of business in the non-life segment.

TAC has rendered its secretarial assistance in additionto sharing of its wealth of experience with theRangarajan Committee set up for de-tariffing of Motor,Own Damage portion and with the S. V. MonyCommittee which has been set up to prepare theroad map for liberalisation of the motor own damagetariff. It has also rendered its advices to the insurersand chambers of commerce from time to time onissues pertaining to tariff business. TAC is equippingitself and also the Authority for determining guiderates, terms and advantages which insurers could offerto non-tariff products and also when the tariffs arethrown open.

in dealing with cases of breach of the tariff thatcompetition unleashed initially. Besides regulatingthe tariff for various insurance products, the Committeealso looked into cases of breach of tariff stipulated,and action was taken against defaulting insurers,including imposition of penalty. During the financialyear 2002-03 three meetings of the Committee wereheld, at which 58 complaints of breach wereconsidered. In 25 cases fines were paid by the insurersfor breach, in 28 instances, breaches were rectifiedand in 5 cases the Committee decided that therewas no breach in tariff. In 8 cases general decisionswere taken on future tariff. It would be recalled thatthe breach of the tariff norms were revised effective1st April, 2002.

The major activity of TAC during the year pertainedto revision and rationalisation of the India Motor Tariffeffective July, 2002. This tariff, for the first time,brought into play differential rating factors in the motorsegment - a clear indication towards gradualliberalisation of the market place. It enhanced theareas of discretions available to insurers and insured�s.The revision had its share of challenges before variouscourts of law, and the Authority and the TAC tookquick remedial actions to restore normalcy in themotor insurance market that now constitutes 40 percent of the non-life insurance segment. A rationalisationexercise of the Engineering Tariffs (EAR/CAR) wasundertaken and the draft was put on the TAC websiteto elicit public opinion. A draft tariff for Mega Riskswas also prepared and submitted to the Authority.The list of existing tariff business controlled by theTAC is placed at Table 52.


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regulations framed by the Authority on obligationsof the insurers for the rural and social sectors. Theamendments to the regulations were notified by theAuthority in October, 2002. Under the amendments,the term �rural sector� has been redefined, and thewords �agricultural pursuits�, elaborated. Theamendments also dwell on the �informal sector�.Simultaneously, the obligations for life insurers towardsthe rural sector have been raised. In keeping withthe need for insurers to meet their obligations to thesociety, the Authority has further stipulated that interms of volume of business, no insurer shall writerural/social sector business less than what was recordedfor the accounting year ended 31st March, 2002.The amendments came into effect from the financialyear 2002-03. The regulations require insurers tounderwrite business based on the year ofcommencement of their operations. In addition, theexisting public sector insurance companies are requiredto ensure that their rural and social sector businessin any given financial year is more than that underwrittenby them in the previous year.

(q) Exercising such other powers asmay be prescribed

Under the provisions of the Insurance Act, 1938 theGovernment may ask the Authority to exercise powersfor protecting the interests of the policyholders orfor developing the insurance market in the countryor where it relates to matters of policy. However,presently the Authority has not exercised any suchpowers, since the Government has not delegated anysuch powers to the Authority.

(o)Specifying the percentage of premiumincome of the insurer to financeschemes for promoting andregulating professionalorganisations referred to in clause (f)

The Authority places a considerable amount ofsignificance on promoting professionalism in thebusiness of insurance. One of the continuing areasof concern to the Authority has been the accuracyand adequacy of data on the insurance industry.Based on the initiatives in this direction, recently, theActuarial Society of India has set up the Mortality& Morbidity Investigation Bureau (MMIB). The Bureau,which has been set up under the aegis of ASI, willcollect data from the various insurers, and compilethe mortality and morbidity tables based on theexperiences of the insurers. The Bureau is beingfunded by all life insurers and by the Authority.

(p) Specifying the percentage of lifeinsurance business and generalinsurance business to beundertaken by the insurers in therural or social sector

The Committee on reforms in the insurance sector,while advocating opening up of the industry to theprivate sector, had made a strong case for the newplayers being subjected to compliance of minimumstipulations for underwriting business in the rural andthe social sectors. This requirement for the industry,both life and non life insurers, is laid down in the

PART IV


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ORGANISATIONAL MATTERS OF THE INSURANCEREGULATORY AND DEVELOPMENT AUTHORITY

(i) ORGANISATION

During the financial year 2000-03, the constitutionof the Authority underwent changes because of theretirement of some of the members. The followingpersons are presently members of the Authority:

1. Mr. C. S. Rao, Chairman

2. Mr. P. A. Balasubramanian, Member

3. Mr. T. K. Banerjee, Member

4. Mr. Mathew Verghese, Member

Mr. C. S. Rao took over as Chairman of the Authorityon 10th June, 2003, on Mr. N. Rangachary layingdown office on completion of his term. Mr. Rangacharyhad headed the Authority for seven long eventfulyears. Mr. C. S. Rao, prior to joining the Authorityhad a long stint in the administrative services, retiringas Revenue Secretary, Government of India.

Mr. T. K. Banerjee joined the Authority as whole timemember on 18th August, 2003. He was previouslyExecutive Director, Life Insurance Corporation of India(LIC). Mr. Banerjee has taken the position occupiedby Mr. H. O. Sonig, who retired on completion ofhis term as member on 31st December, 2002.

Mr. Mathew Verghese, joined the Authority on27th October, 2003 as whole time member. Prior tojoining the Authority, he retired as Managing Directorand Principal Officer, Kenindia Assurance CompanyLtd. Kenya. Mr. Verghese has come in place ofMr. R. C. Sharma who retired on the expiry of histerm as member on 20th June, 2003.

Other than the whole time members, the Authoritycomprises of the following part time members:

1. Mr. Vivek Mehrotra, Joint Secretary in the Deptt.of Economic Affairs, Ministry of Finance.

2. Ms Manisha Mohan Andhansare.

3. Mr. A.R. Barwe, ex-Deputy Managing Director,State Bank of India.

4. Mr. R. Bhupati, President, Institute of CharteredAccountants of India.

As a matter of policy, the Authority has envisagedfor itself a lean organisational structure, duly supportedby technically qualified and competent officers drawnfrom the industry. Further, in keeping with the everincreasing regulatory functions, steps have been initiatedto increase the staff strength. Thus, additional officerswere recruited in the financial year 2002-03 to takethe total strength to 46. Further, with a view to exposeits officers to the evolving international trends in thefinancial markets and to keep them apprised of theregulatory trends in the insurance industry globally,the Authority pursues the policy of continuousup-gradation of the skills and talents of its officers.Accordingly, regular opportunities for training andorientation are provided by deputing the officers ofthe Authority to various seminars and trainingprogrammes, both within the country and abroad.

Amongst the various training programmes and seminarsattended by the officers of the Authority, were thoseorganised for Asian Directors by Monetary Authorityof Singapore; Training Programmes on Life Insuranceand Pensions organised by Australian APEC StudyCentre; Programmes on Customer Service and SolvencyIssues organised by National Association of InsuranceCommissioners, Seminar on On-site inspection byFinancial Services Authority, Japan; Training onInsurance Broking by Lloyds� London; besides trainingprogrammes organised by IAIS, etc. Officers of theAuthority have also participated to present paperson technical subjects at various internationalconferences. The officers of the Authority alsogot an opportunity to participate in a four weektraining programme organised by the IRDA forregulators in the SAARC countries.

During the year, the officers of the Authority werealso exposed to the various aspects of, off andon-site inspection. The programme was organisedunder the aegis of International Institute of Finance


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personnel to the positions in the Authority. Thesenew officers, within the shortest possible time, haveeffectively understood the role of the Authority andhave started carrying out their responsibilities withdevotion and diligence.

It is the above two groups which form the core unitof the human resources in the Authority.

(iv) PROMOTION OF OFFICIALLANGUAGE

Efforts towards progressive use of Hindi in the Authorityhave continued. The Official Language ImplementationCommittee (OLIC) of the Authority held quarterlymeetings to review the progress in the official useof Hindi. During the current financial year, in June,2003 the Parliamentary Committee onOfficial Language visited the office of the Authorityto review the implementation of official language.

The Hindi Department has been strengthened with theposting of a Hindi Officer in the Authority. Hindi Daysand Hindi Weeks are also organised by the Authority.In addition, the Hindi Section of IRDA Journal contains8 pages of exclusive material in Hindi Language.Bilingual software has been purchased in additionto Microsoft office XP which has the additional featuresto facilitate the working in Hindi.

The Authority has also been making available variousregulations, notifications and other useful materialissued by it, in bi-lingual form. Efforts have also beeninitiated to make available the various publicationsin regional languages in the foreseeable future. Witha view to facilitating preparation of educational materialrelated to insurance market in different languagesincluding Hindi, expertise is being provided to variousinstitutions.

(v) STATUS OF INFORMATIONTECHNOLOGY

The Authority has always been adapting the latestIT trends in order to have effective regulatoryenvironment and to serve better the millions of policyholders/general public at large. The activities

(IIF).The exposure at various levels for its officers,enables the Authority to draw upon the experiencesof regulators at global levels, and is aimed atmaintaining the highest professional standards inregulating the insurance industry.

(ii) MEETINGS OF THE AUTHORITY

During the year 2002-03 (April to March), fourmeetings of the Authority were held. The attendancewas full at almost all the meetings which made thediscussions purposeful to transact the business at themeetings of the Authority.

(iii) HUMAN RESOURCES

On the date of publication of this report, IRDA has30 officers and 16 staff members (total 46) in variouscadres. Besides the two executive directors, thereare 15 deputy directors and 13 asstt. directors,handling the various activities of the Authority. Thefact that majority of the officers working in theAuthority are drawn from the insurance industry withwhich they have been associated for a considerablylong period, is a value addition to the human resourcesof the Authority which is required to handle a greattask at hand viz., undertaking ground work on anon-going basis for the purpose of consistent monitoringof not only the new liberalised market but alsoensuring an orderly growth of the insurance industry.The experience gained by these officers in their earlierassociation with the insurance industry has enabledthem a great deal to acclimatise themselves, in theshortest possible time, to the demands of the newassignment viz., regulating the insurance market.Added to the knowledge and experience of thesepersonnel is the training and exposure provided bythe Authority by sponsoring them to a variety ofregulatory workshops, seminars and training � manyof them being international in character � which hasequipped them with the skill and capabilities to handleeffectively the jobs assigned to them by the Authority.

This fact apart, the Authority with the long termobjective of effectively facing the regulatory challengesahead undertook the recruitment exercise twice foraugmenting its able work force and appointed


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The Accounts of the Authority for the financial year2002-03 have been finalised and adopted by theAuthority for submission to the Comptroller and AuditorGeneral of India, for their Audit Report, commentsand certification as required under the IRDA Act,1999. A copy of the same, as submitted to C&AG,is placed at Annexure XIV to this Report.

(vii) ISO 9001 � 2000 REGISTRATIONThe Authority was given ISO accreditation based onthe assessment of its operations. The certification givento the Authority is a confirmation that the Authorityhas established a quality management system thatis in compliance with the international Quality SystemsStandard ISO 9001 and Q9001-2000. The certificationis valid for a period of three years commencing May,2003. The certification is also a recognition of thequality policy followed by the Authority, which statesthat �The Authority is committed to act as a responsiveregulatory body to protect the interests of thepolicyholders, to regulate, to promote and ensureorderly growth of the insurance industry and for allmatters connected therewith or incidental thereto ina transparent manner and achieve their satisfactionthrough continued improvement by implementingQuality Management System.�

(viii) IRDA JOURNALThe first issue of the IRDA Journal was released inDecember, 2002 by Dr. C. Rangarajan, the thenHon�ble Governor of Andhra Pradesh. The Journalhas been well received by both the industry and itskeen followers. The Journal was launched with a viewto ensuring �unfettered dissemination of information,free and frank analyses and discussion on issues ofconcern to an industry which touches all individualsand businesses in the most sensitive of ways in timesof crises�.

Each issue of the monthly journal is centered arounda theme of relevance to the industry, such as ruralinsurance, corporate governance, investment, training,health insurance, bancassurance and informationtechnology. The anniversary issue of the journal releasedin December, 2003 evaluated the achievements ofthe three years of liberalisation of the insuranceindustry. The journal serves as a forum for the industryand its stakeholders to voice their opinion and discussissues which are pertinent to the industry, and is asource of news and authentic industry statistics fromthe Authority.

implemented and initiatives taken towards this, duringthe year 2002-03 are outlined in the ensuing paras.

All the Officers of the Authority have been providedwith High-end Pentium Desktops loaded with latestOffice Automation software for their day-to-day use.Home office computers have also been provided toMembers and Executive Directors of the Authority.All the staff members have been provided with personale-mail ID and internet as well as external messagingfacility for effective and speedy communication.

All the desktops have been connected with structuredcabling network supported with High-end data switches.For the smooth functioning and speedy communication,both the Delhi and Hyderabad offices have beenconnected with 64 KBPS dedicated Voice/Data leasedcircuit. Using this facility, the databases and informationavailable at Hyderabad Office have been madeaccessible to the officers stationed at the Delhi office.Two dedicated voice lines have also been madeavailable for day-to-day communication.

The Authority is in the process of implementation ofManagement Information System developed for thepurpose of evaluation of periodical returns receivedfrom insurance companies. Trial runs are now beingconducted to ensure its smooth implementation.Necessary instructions have already been issued toall insurance companies to file the returns in theformats designed for this system.

The Authority is also in the process of revampingits Official website to include additional features suchas Comprehensive search engine; Electronic filing ofreturns; On-line e-mail complaints; Automatic e-mailnotifications; and a Hindi section in the website.

(vi) ACCOUNTSThe accounts of the Authority for the period ended31st March, 2002 have been audited by the Comptrollerand Auditor General (C&AG) of India. Pursuantto the provisions of Section 17 of IRDA Act, 1999,the Audited Accounts along with the Audit Reporthave been forwarded to the Government of Indiato be placed in both Houses of Parliament. A copyof the accounts for this period together with thecomments of the C&AG (which are being compliedwith by the Authority) is placed at Annexure XIII.

PART V


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CONCLUDING REMARKS

The process of opening up the insurance sector wasinitiated against the background of the economicreforms process which commenced in the year 1991.The reform process was aimed at freeing the Indianmanufacturing and services sectors from the shacklesof controls that inhibited their growth and make themattain high standards to facilitate the process ofintegration with the world economy. It was perceivedthat with the markets world over becoming highlydynamic and integrated, the economic reforms processwithin the country was required to enable India tointegrate with these markets. Steps were, therefore,initiated to elevate the Indian economic system tointernational standards in terms of its financial viability,competence, technology, prudential requirements,regulation and credibility. The constitution of theMalhotra Committee was another step in the initiativesin the area of financial reforms covering the bankingsector and the capital markets which aimed at creatinga more efficient and competitive financial system suitableto the requirements of the economy. The need foraddressing the issues concerning the insurance sectorwas felt in recognition of the fact that the sector is animportant part of the overall financial system.

A decade down the line, and three years since the adventof the private players in the liberalised environment, it isperhaps opportune to look back and review theperformance and the expectations of the industry at largeand the goals that the regulator set for itself and theextent to which their individual aspirations andcommitments have been achieved/ addressed.

The Authority was established with a view to protectingthe interests of the holders of insurance policies, toregulate, promote and ensure the orderly growth of theinsurance industry and for attending to mattersconnected/ incidental thereto. The last three years havewitnessed dynamic changes in the insurance industry.These include advent of a fairly large number of insurersin both the life and non-life segments. A number offoreign players, from across the globe have entered theindustry as joint venture partners to established Indianpromoter groups. The number of intermediaries has

grown to include besides the agents, the corporateagents, the brokers, the third party administrators andof course bancassurance which has opened up newvistas, and is likely to change the canvas of the insuranceindustry in the years to come. Both the life and the nonlife segments have been a witness to introduction ofnew products, with tailor made and packaged productsbeing introduced in the market to suit the particularneeds of the customers. Some initiates have also beentaken to meet the special requirements of the rural andeconomically backward segments of the population. Thegrowth of the premium incomes of insurers has beensatisfactory even in the face of withdrawal of theguaranteed schemes, as the insurers grapple with thereturns on investments coming under strain. The evolvingmarket conditions in which the industry is operating arecontinuously throwing up fresh challenges, and theregulatory framework has also striven to keep up withthe times, by framing regulations which reflect theAuthority�s intent to support the ongoing process ofliberalisation of the environment in which the insurersand various intermediaries operate. The Authority hasstriven to be particularly responsive to the needs of theindustry to grow at a fast pace. Possibly, the pace ofevolution of the regulatory mechanism in the last threeyears in the country is globally unmatched.

While the development of the insurance industry hasbeen the prime focus for the Authority, it has been equallypre-occupied with issues such as consumer protection,provision of quality services to the policyholder and withthe resolution of their grievances. The process ofliberalisation, it would be recalled was also initiated toachieve a higher level of insurance penetration. This itwas perceived could be jointly achieved by both theindustry and the regulator making a concerted effort ateducating the prospective customer of the benefits ofinsurance. Thus, with the initiatives pertaining to settingup the framework within which the industry is operatingin place, today the focus has shifted to development ofthe insurance business on healthy lines and the benefitsof the growth of the industry penetrating a wider segmentof the economy, in particular providing cover to theunder privileged and the weaker segments and reachingthe rural and the semi-urban areas.


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The significant and far reaching changes in the interestrates regime in the economy, which too have been awitness to deregulation, have impacted the returns ofthe insurers, and have affected the profitability of thoseinsurers who are holding guaranteed liabilities on theirbalance sheets, although some part of these liabilitieshave been balanced by the long term investments heldby them. However, today lucrative long term investmentopportunities are just not available. While the insurershave to re-orient their portfolios to the changedcircumstances, the avenues for accomplishing the sameare rather limited. Recently, with a view to facilitatingsteps in this direction the Authority has also reviewedand amended the existing regulations on investments,which were necessitated due to the changes which haveoccurred in the investment environment in the country.Although deregulation of interest rates has helped inmaking financial market operations efficient and costeffective, the same has led to considerable volatility inthe market resulting in a wide array of risks for insurancecompanies. To manage and control these risks, theAuthority is in the process of allowing investment inappropriate financial instruments such as derivatives.

The high rates of lapsation of policies is an area ofconcern to the Authority. While the customer needs tobe educated that replacement of policies is generallynot in his interest, on the other hand such lapsationsalso impact the profitability of the insurer. Proper andadequate disclosures, along with the positive approachof the agents while rendering advise to customer shouldgo a long way in rectifying this problem. It is in thiscontext that the quality of agent force is repeatedlyemphasised by the Authority.

The problem of rebating, in both the life and the non-life sectors has been engaging the attention of theAuthority for quite a while. The Authority, as part of theadvertisement campaign launched by it, has beencreating awareness that rebating was an offence, andinsurers need to strengthen their self regulatorymechanism in this regard. Issues of market conduct ofboth the insurers and the intermediaries are a matter ofconcern. Insurers would need to evolve methods of selfregulation both at the corporate level and collectivelythrough their Councils.

The insurers need to chalk out strategies to ensure thattheir operating expenses are kept within the prescribedlimits. While in the case of the new players, these limitsmay be breached in the initial years of their operations,managements have to keep an eye on their expensesand draw up plans to bring them down. This isparticularly pertinent in the context of the opening up ofthe market to increasing competition and the investmentincome continuing to move southwards on account ofthe declining interest rate regime. In the case of thepublic sector insurers, reducing the existing operatingexpenses would also be crucial in their strategy tocompete with the lean private players.

Inadequate penetration of health insurance in thecountry, and scientific pricing of the health insuranceproducts are engaging the attention of the Authority.The health insurance products offered by the insuranceplayers in the country are restrictive, costly and theiradministration is not very sound. The innovative contenthas yet to touch this particular segment of the industryin a significant way. There is no element of riskdifferentiation in the pricing of the products offered. Thedatabases are tardy and there are no benchmarks andstandards to ensure that the required quality of serviceis rendered and that the pricing of the medical servicesis reasonable. Building up adequate databases has tobe a priority.

Meeting the obligations towards the rural and socialsectors, and taking these obligations beyond the contextof the statutory compliance is important. Businessstatistics furnished by the insurers reveal that theinsurance companies are somehow making an effort tomeet the targets as a year end annual obligation. Withthe changing profile of the populace in the rural andsemi urban areas, there is tremendous potential forselling insurance beyond the urban areas. This has beenadequately demonstrated by the manufacturing sectors,with their targeted marketing strategy. The experienceneeds to be duplicated in the insurance sector as well.There are lessons to be drawn from the success stories,as has been demonstrated by the surveys/studiesconducted.

Corporates worldwide are moving towards additionaldisclosures to prevent the management from committing


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financial improprieties. Both within the country andabroad, the disclosure requirements are beingincreasingly made more stringent, and heavy penaltiesfor financial improprieties being imposed. Corporategovernance and transparency in operations areengaging the attention of regulators worldwide. Theinsurance industry, as a self regulatory mechanism,needs to evolve sound corporate governance practices,and move towards periodic disclosures, be it on quarterlyor half yearly basis.

The insurance industry has shown a steady rate of growthover the last three years following the opening up of thesector and the advent of private sector participation.The prospects for the industry, as a whole, are bright.While tremendous progress has been made, it ispremature to rest on the laurels. The insurers mostcertainly have to look beyond capturing market shares,and have to speak the language of quality of servicerendered and the extent of transparency in theiroperations to build up the faith and trust in the fledgling,at least in the liberalised context, industry.


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ANNEXURE - I

REGULATIONS FRAMED UNDER IRDA ACT, 1999

Sl.No. Name of the Notification Date of Publication

1. (1) IRDA (Members of Insurance Advisory Committee) May 24, 2000

2. (2) IRDA (Appointment of Insurance Advisory Committee) Regulations, 2000 June 16, 2000

3. (3) IRDA (The Insurance Advisory Committee) (Meeting) Regulations, 2000 July 19, 2000

4. (4) IRDA (Appointed Actuary) Regulations, 2000 July 19, 2000

5. (5) IRDA (Actuarial Report and Abstract) Regulations, 2000 July 19, 2000

6. (6) IRDA (Licensing of Insurance Agents) Regulations, 2000 July 19, 2000

7. (7) IRDA (Assets, Liabilities, and Solvency Margin of Insurers Regulations, 2000 July 19, 2000

8. (8) IRDA (General Insurance-Reinsurance) Regulations, 2000 July 19, 2000

9. (9) IRDA (Registration of Indian Insurance Companies) Regulations, 2000 July 19, 2000

10. (10) IRDA (Insurance Advertisements and Disclosure) Regulations, 2000 July 19, 2000

11. (11) IRDA (Obligations of Insurers to Rural or Social Sector) Regulations, 2000 July 19, 2000

12. (12) IRDA (Meetings) Regulations, 2000 July 19, 2000

13. (13) IRDA (Investment) Regulations, 2000 Aug 16, 2000

14. (14) IRDA (Conditions of service of Officers and other Employees) Regulations, 2000 Aug 29, 2000

15. (15) IRDA (Insurance Surveyors and Loss Assessors (Licensing, Professional Requirements

and Code of Conduct)) Regulations, 2000 Nov 24, 2000

16. (16) IRDA (Life-Insurance Reinsurance) Regulations, 2000 Dec 23, 2000

17. (17) IRDA (Investment) (Amendment) Regulations, 2001 May 31, 2001

18. (18) IRDA (Third Party Administrators-Health Services) Regulations, 2001 Sep 17, 2001

19. (19) IRDA (Re-Insurance Advisory Committee) Regulations, 2001 Jan 8, 2002

20. (20) IRDA (Investments) ( Amendment) Regulations, 2002 April 2, 2002

21. (21) IRDA (Preparation of Financial Statements and Auditor�s Report of Insurance

Companies) Regulations, 2002 April 2, 2002

22. (22) IRDA (Protection of Policyholders� Interests) Regulations, 2002 April 30, 2002

23. (23) IRDA (Insurance Brokers) Regulations, 2002 Oct 17, 2002

24. (24) IRDA (Obligations of Insurers to Rural or Social Sector) Regulations, 2002 Oct 17, 2002

25. (25) IRDA (Licensing of Corporate Agents) Regulations, 2002 Oct 17, 2002

26. (26) IRDA (Licensing of Insurance Agents) (Amendment) Regulations, 2002 Oct 17, 2002

27. (27) IRDA (Protection of Policyholders� Interests) (Amendment) Regulations, 2002 Oct 17, 2002

28. (28) IRDA (Manner of Receipt of Premium) Regulations, 2002 Oct 17, 2002

29. (29) IRDA (Distribution of Surplus) Regulations, 2002 Dec 14, 2002

30. (30) IRDA (Registration of Indian Insurance Companies) (Amendment) Regulations, 2003 March 7, 2003


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ANNEXURE - II

EXEMPTED INSURERS

Sl. No. Name of Company

1. Gujarat Insurance Fund

2. M.P. State Crop Insurance

3. Daman & Diu Crop Insurance Fund

4. Dadra & Nagar Haveli Crop Insurance

5. Kerala State Insurance Department

6. Karnataka Govt. Insurance Department

7. Tamil Nadu Crop Insurance Fund

8. Pondichery Crop Insurance Fund

9. Karnataka Govt. Crop Insurance Fund

10. A.P. State Crop Insurance

11. Rajasthan State Insurance Fund

12. Delhi State Crop Insurance Fund

13. Haryana State Crop Insurance Fund

14. H.P. State Crop Insurance

15. U.P. Crop Insurance Fund

16. Rajasthan State Crop Insurance Fund

17. CHNHB Association

18. West Bengal Crop Insurance Fund

19. Orissa State Crop Insurance Fund

20. Bihar Crop Insurance

21. Tripura Crop Insurance

22. Assam State Crop Insurance

23. Meghalaya State Crop Insurance Fund

24. Manipur State Crop Insurance Fund

25. Andaman & Nicobar Administration Crop Insurance Fund

26. Maharashtra State Crop Insurance Fund

27. Maharashtra Govt. Insurance Fund

28. Goa State Crop Insurance


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ANNEXURE - III

DISTRIBUTION CHANNEL STATISTICS FOR AGENTS 31ST MARCH, 2003

Insurer Individual Agents Corporate Agents Total

Life Insurer New Renewal New Renewal New Renewal

Allianz Bajaj Life Insurance Co. Ltd. 14,157 45 14,202

ING Vysya Life Insurance Co. Pvt. Ltd. 3,906 8 3,914

AMP Sanmar Insurance Co. Ltd. 1,599 9 1,608

SBI Life Insurance Company Limited 2,218 6 2,224

TATA-AIG Life Insurance Company Ltd. 15,451 108 15,559

HDFC Standard Life Insurance Co Ltd. 11,237 75 11,312

ICICI Prudential Life Insurance 23,820 5 133 3 23,953 8

Birla Sun Life Insurance Co. Ltd. 6,175 4 139 6,314 4

Aviva Life Insurance Co India Pvt. Ltd. 1,868 2 1,870

Om Kotak Mahindra Life Insurance Co. Ltd. 3,730 55 3,785

Max New York Life Insurance Co. Ltd. 5,766 7 4 5,770 7

Metlife India Insurance Co. Pvt. Ltd. 1,453 1 10 1,463 1

Life Insurance Corporation of India 479,027 468,378 159 1 479,186 468,379

Sub Total 570,407 468,395 753 4 571,160 468,399

NON-LIFE INSURER

Royal Sundaram Alliance Insurance Co. Ltd. 207 4 12 3 219 7

TATA-AIG General Insurance Company Ltd. 670 3 137 807 3

Reliance General Insurance Company Ltd. 215 12 33 248 12

IFFCO-TOKIO General Insurance Co. Ltd. 321 31 32 353 31

ICICI Lombard General Insurance Co. Ltd. 724 1 2 726 1

Bajaj Allianz General Insurance Co. Ltd. 921 24 45 966 24

HDFC Chubb General Insurance Company Ltd. 12 2 12 2

Cholamandalam MS General Insurance Co. Ltd. 182 1 15 197 1

The New India Assurance Co. Ltd. 6,520 14,111 26 9 6,546 14,120

National Insurance Co. Ltd. 7,651 11,544 38 11 7,689 11,555

United India Insurance Co. Ltd. 6,015 10,218 32 15 6,047 10,233

The Oriental Insurance Co. Ltd. 4,712 10,031 26 7 4,738 10,038

Sub Total 28,150 45,982 398 45 28,548 46,027

Grand Total 598,557 514,377 1,151 49 599,708 514,426


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ANNEXURE - IV

DISTRIBUTION CHANNEL STATISTICS FOR AGENTS 31ST MARCH, 2003 � URBAN & RURAL

Insurer Urban Rural

Life Insurer

Allianz Bajaj Life Insurance Co. Ltd. 13,632 570

ING Vysya Life Insurance Co. Pvt. Ltd. 3,870 44

AMP Sanmar Insurance Co. Ltd. 1,282 326

SBI Life Insurance Company Limited 2,152 72

TATA-AIG Life Insurance Company Ltd. 15,539 20

HDFC Standard Life Insurance Co Ltd. 10,803 509

ICICI Prudential Life Insurance 23,619 342

Birla Sun Life Insurance Co. Ltd. 6,233 85

Aviva Life Insurance Co India Pvt. Ltd. 1,566 304

Om Kotak Mahindra Life Insurance Co. Ltd. 3,426 359

Max New York Life Insurance Co. Ltd. 5,735 42

Metlife India Insurance Co. Pvt. Ltd. 1,447 17

Life Insurance Corporation of India 468,133 479,432

Sub Total 557,437 482,122

Non-life Insurer

Royal Sundaram Alliance Insurance Co Ltd. 201 25

TATA-AIG General Insurance Company Ltd 769 41

Reliance General Insurance Company Ltd. 256 4

IFFCO-TOKIO General Insurance Co. Ltd. 343 41

ICICI Lombard General Insurance Co. Ltd. 580 147

Bajaj Allianz General Insurance Co. Ltd. 898 92

HDFC Chubb General Insurance Company Ltd. 13 1

Cholamandalam MS General Insurance Co. Ltd. 190 8

The New India Assurance Co. Ltd. 15,259 5,407

National Insurance Co. Ltd. 14,410 4,834

United India Insurance Co. Ltd. 11,002 5,278

The Oriental Insurance Co. Ltd. 11,502 3,274

Sub Total 55,423 19,152

Grand Total 612,860 501,274


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ANNEXURE - V

THIRD PARTY ADMINISTRATORS - HEALTH SERVICES

Sl. No. Company Contact Person / Address Telephone No. Fax No.

1 Dawn Services Pvt. Ltd. Dr. R. Suresh Kumar 7808810 040-7801813

(License No. 001) Managing Director & CEO 7808809

Plot No. 37, Santoshima Colony 7808974

West Marredpally

Secunderabad - 500 026

E-Mail:[email protected]

2 Parekh Health Mr. Nimish R. Parekh, 4611022 /3/4 022-4611021

Management (Pvt.) Ltd. Chief Executive Officer,

(License No. 002) The Forum, 2nd Floor,

Raghuvanshi Mills Compound,

11/12, Senapati Bapat Marg,

Mahalakshmi

Mumbai � 400 013

3 Medi Assist India Pvt. Ltd. Mr. Ganesh Subramaniam 080-6538790/91/92 080-6538793

(License No. 003) Director

4/1, Devaiah Court, 1st Floor, 22nd Cross,

Jayanagar, 3rd Block,

Bangalore � 560 011

4 Guardian Health Dr. Olinda Timms 2204643

Management Pvt. Ltd. Managing Director & CEO 2265744

(License No. 004) Ground Floor, KSCMF Bldg. No. 8,

Cunningham Road,

Bangalore - 560 052

5 MD India Healthcare Mr. Brij Sharma 020-7292040 � 43

Services (Pvt.) Ltd. Chief Executive Officer,

(License No. 005) 261/2/7, Silver Oak Park,

Baner Road, Pune � 411 045

6 Paramount Health Dr. Nayan Shah, 022-4620800 022-24985507/08

Services Pvt. Ltd. Managing Director

(License No. 006) 81, Barodawala Mansion,

Dr. Annie Besant Road, Worli Naka,

Mumbai � 400 018

E-mail: [email protected]

7 E Meditek Solutions Ltd. Mr. Gopal Verma 0124-25062068-70 0124-25062071

(License No. 007) Managing Director

45, Nathupur Road,

DLF Phase � III , Gurgaon

[email protected]


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Sl. No. Company Contact Person / Address Telephone No. Fax No.

8 Heritage Health Mr. S. K. Bajoria 033-22482411 033-22480482Services Pvt. Ltd. Director

(License No. 008) McLeod House, 3, Netaji Subhash Road,Kolkata � 700 001


9 Universal Medi-Aid Mr. G. P. Sureka 011-51515197-99 011-2332 0101Services Ltd. Chief Executive Officer

(License No. 009) 1104, Akashdeep, 26A,Barakhamba Road,

New Delhi � 110001E-Mail: [email protected]

10 Medicare Foundation Dr. Ajoy Estiberio 0832-414006 0832-414007Pvt. Ltd. Chief Administrative Officer

(License No. 010) 1120, Housing Board ColonyPorvorim, Alto Betim,

Goa � 403 521E-mail: [email protected]

11 Tower Insurance Ms. Manju Sawhney Mahindra 022-22844364 022-22040032Services Pvt. Ltd. Chairman 56338492/97/98

(License No. 011) 519 Maker Chamber V, 2835359Nariman Point, Mumbai � 400 021

12 Medicare TPA Brig D J Ghoshal (Rtd) 033-2873385Services (I) Pvt. Ltd. Director` Helpline: 9830060861

(License No. 012) Flat No 10, Paul Mansions6, Bishop Lefroy Road,

Kolkata - 700 020.E-mail: [email protected]

13 Family Health Mr. A. P. V. Reddy 040 � 23556464 040 � 23556262

Plan Ltd. Chief Executive Officer(License No. 013) Aditya JR Towers, 8-2-120/86/9 A & B Toll Free No. :

3rd & 4th Floor, Road No. 2, Banjara Hills 040-23556464Hyderabad � 500 034 040-23556262

14 ICAN Health Mr. Thomas Mathew 020-4001171,2,3 020-4001171,2,3Services Pvt. Ltd. Executive Director

(License No. 014) A-9/2, Meera Nagar,Koregaon Park

Pune � 411 001.

15 Raksha TPA Pvt. Ltd. Mr. Pawan Bhalla 0129 2250000 0129 2250002

(License No. 015) Chief Executive Director 225000115/5, Mathura Road 5046822

Faridabad � 121 003, Haryana Mob.: 9810009517Toll Free No. :

1600 12 1444


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S. No. Company Contact Person / Address Telephone No. Fax No.

16 TTK Healthcare Mr. Girish Rao 080-51155030 080- 5115032

Services Private Limited Managing Director 51155031

(License No. 016) #7, Jeevan Bhima Nagar Main Road,

HAL IIIrd Stage, Bangalore � 560 075.


17 Anyuta Medinet Dr. N. Ravindra Shetty 080-2214766

Healthcare Pvt. Ltd. Director 2210205

(License No. 017) 65, Lavelle Road, 4th Cross (M)-9845010136

Bangalore � 560 001.


18 East West Assist Dr. N. P. S. Chawla 011- 24699229 011-24694696

Pvt. Ltd. Managing Director 24623738

(License No. 018) 37, Prithviraj Road

New Delhi � 110 011.


19 Med Save Health Mr. Rajan Subramaniam 011-26611061-66 011-26611067

Care Ltd. Chief Executive Officer Toll Free No. :

(License No. 019) F-701A Lado Sarai, 1600111142

Behind Golf Course,

New Delhi � 110 030

20 Genins India Ltd. Mr. Rakesh Kapoor 24430329/139/0114 24430064

(License No. 020) Managing Director

41, Arun Vihar, Sector � 37

NOIDA - 201 303.

21 Alankit Healthcare Mr. Alok Kumar Aggarwal 23540641 Fax (Corp. Off.) :

Pvt. Ltd. Director 23614186 011-23680881

(License No. 021) 234, DDA Office Complex 23552001

Jhandewalan Extension

New Delhi � 110055.


22 Bhaichand Amoluk Mr. Felix Walder 022-22077212 022-22073204

Insurance Services CEO 22077213

Private Ltd. Commercial Union House, 2nd Floor, 22077214

(License No. 022) 9 Wallace Street, Fort 22070916

Mumbai � 400 001.


23 Good Healthplan Mr. M. Venkateswarlu 040 � 5582 5003 040 � 5582 8081

Limited Chief Executive Officer

(License No. 023) #112, Maruthi Apartments,

Rajbhavan Road, Somajiguda

Hyderabad � 500 082.



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ANNEXURE - VI

NUMBER OF LICENSES GRANTED TO BROKERS : STATEWISE DATA

STATE/CITY NO. OF LICENSES GRANTED (2002-03)

Maharashtra Composite 8 + Reinsurance 4 + Direct 5 = 17

Mumbai 15

Pune 2

Andhra Pradesh 1 Composite + 6 Direct = 7

Hyderabad 7

New Delhi 1 Composite + 5 Direct = 6

Gujarat Direct 1

Rajkot 1

Kerala Direct 1

Tamil Nadu 1 Composite + 5 Direct = 6

Chennai 6

West Bengal 1 Composite + 1 Direct = 2

Kolkata 2

Total number of licenses granted :

1. Composite = 12

2. Reinsurance = 4

3. Direct = 24

Total = 40

As on 31st October, 2003, the total number of licenses granted is 125.

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ANNEXURE - VII

INSURANCE BROKERS

Further to notice dated 30th January, 2003 the Authority, in terms of the provisions of the Insurance Regulatory & Development Authority (Insurance

Brokers) Regulations, 2002; Insurance Act, 1938; and Insurance Regulatory & Development Authority Act, 1999, has issued Insurance Broker Licenses

to the following companies during the financial year 2002-03:

Cert. License Name of the Address Phone No. Nature of License Principal Officer Period ofNo. Code No. Broker license

101 DB-001/ 02 India Insure Risk Flat No.-405, IV Floor, (040)7822994/ 7822990 Direct(General only) V. Ramakrishna 30/1/2003 toManagement Archana Arcade, 29/1/2006Services Pvt. Ltd. St. John�s Road,

Secunderabad 500 025.

102 DB-005/ 02 ACME Insurance 3 A, 3rd floor, Jamals, (044)28240520/ 28240521 Direct I. Vikram 30/1/2003 toServices P. Ltd. 17 Jagannathan Road, 29/1/2006

Nungambakkam,Chennai 600 034.

103 DB-009/ 02 Armour Consultants No. 2-A, Prakasam Road, (044) 52121900 Direct S.P. Raghunathan, FII 30/1/2003 toPrivate Ltd. II Floor, T. Nagar, 29/1/2006

Chennai 600 017.

104 CB-013/ 02 TTK Insurance 1-1�782/ B/ 5, (040)27645070/ 27612232 Composite T. Naryana Rao 30/1/2003 toServices Private Ltd. Gandhi Nagar, 29/1/2006

Hyderabad 500 080.

105 DB-014/ 02 Helios Insurance #302, Lotus Plaza, (040)27765755/ 27634553 Direct Dr. C.V. Ramana Reddy 30/1/2003 toServices Pvt. Ltd. Street No. 11, 29/1/2006

Himmayat Nagar,Hyderabad 500 029.

106 DB-020/ 02 FIRST POLICY Elpro Compound, (020)24103410/ 27471458 Direct Ashok Jain 30/1/2003 toInsurance Advisors Chinchwad, Pune 411 03. 29/1/2006Pvt. Ltd.

107 DB-026/ 02 Excellent Insurance 8-3-961/B, (040)23752536/ 23752537 Direct Dr. K. Muralidhara 30/1/2003 toBroking Services Ltd. Srinagar Colony, Reddy 29/1/2006

Hyderabad 500 073.

108 CB-024/ 02 K.M. Dastur Cambata Building, (022)22855855 Composite Purshottam Reddy 30/1/2003 toReinsurance 42 Maharishi Karve Road, 29/1/2006Brokers Pvt. Ltd. Mumbai 400 020.

110 DB-004/ 02 Unicorn Insurance A-211, Shivalik Enclave, (011) 6681890/ 26682213 Direct Ashok K. Sharma 30/1/2003 toBrokers Pvt. Ltd. Malviya Nagar, 29/1/2006

New Delhi 110 017.


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ksVZAN

NUAL REPO

RT2

00

2-20

03

3rd jh

351

da

ANNEXURE - VIII(a)

PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRESCOMPLAINTS DISPOSAL FOR THE PERIOD ENDING 31ST MARCH, 2003 - LIFE

No. of complaints disposed of by way of Total Durationwise disposal of Durationwise outstandingCamplaints complaints complaints

Ombud Centres Total R�da- Awa- With- Non- Dis- Non- in 1 in 1 to 3 after 3 Total less 1 to 3 more TotalNo.of tions rds drawal/ accept- missal entert- mth. mth. mth. than mth. than

Comp- settle- ance ainable 1mth. 3 mth.laints ment

Ahmedabad 68 0 15 7 0 26 3 51 9 13 29 51 2 8 7 17

Bhopal 235 0 14 94 0 38 8 154 2 39 113 154 11 23 47 81

Bhubaneshwar 105 1 0 45 0 10 28 84 39 16 29 84 5 10 6 21

Chandigarh 131 0 6 63 0 5 27 101 40 52 9 101 18 6 6 30

2 0 2 0 0 0 2 2 2

Chennai 288 0 3 6 0 19 234 262 236 26 0 262 8 15 3 26

Delhi 340 112 70 2 4 10 16 214 14 45 155 214 55 39 32 126

Guwahati 88 25 49 1 0 6 81 19 54 8 81 5 2 0 7

Hyderabad 137 0 38 3 0 28 33 102 45 48 9 102 20 10 5 35

Kochi 62 10 2 21 24 57 24 33 0 57 1 4 0 5

Kolkata 443 104 0 198 0 6 308 16 99 193 308 25 47 63 135

Lucknow 312 4 19 132 9 30 59 253 162 72 19 253 24 20 15 59

Mumbai 270 0 133 39 1 75 248 81 71 96 248 11 9 2 22

Total 2481 246 357 594 13 188 519 1917 687 570 660 1917 185 193 186 564

okf��"kZd fji

ksVZAN

NUAL REPO

RT2

00

2-20

03

3rd jh

353

da

ANNEXURE - VIII(b)

PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRESCOMPLAINTS DISPOSAL FOR THE PERIOD ENDING 31ST MARCH, 2003 - NON-LIFE




Ahmedabad 316 2 74 38 40 24 178 20 38 120 178 18 28 92 138

Bhopal 457 34 41 56 22 153 3 8 142 153 21 23 260 304

Bhubaneshwar 262 108 26 54 19 207 28 44 135 207 17 25 13 55

Chandigarh 173 5 30 40 33 33 141 31 66 44 141 7 10 15 32

Chennai 293 67 25 36 88 216 99 79 38 216 24 28 25 77

Delhi 474 66 147 11 1 95 86 406 68 78 260 406 48 12 8 68

Guwahati 91 9 50 2 10 71 12 52 7 71 13 7 20

Hyderabad 273 4 78 28 112 222 1 191 30 222 7 21 23 51

Kochi 161 43 1 33 46 123 49 70 4 123 14 18 6 38

Kolkata 538 168 1 51 18 7 245 32 123 90 245 34 138 121 293

Lucknow 189 11 32 51 11 29 134 57 49 28 134 19 14 22 55

Mumbai 671 158 129 24 90 401 97 71 233 401 31 137 102 270

Total 3898 407 680 413 3 428 566 2497 497 869 1131 2497 253 461 687 1401

okf��"kZd fji

ksVZAN

NUAL REPO

RT2

00

2-20

03

3rd jh

355

da

ANNEXURE - VIII (c)

PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRESCOMPLAINTS DISPOSAL FOR THE PERIOD ENDING 31ST MARCH, 2003

(SUMMARY � LIFE & NON-LIFE COMBINED)




Ahmedabad 384 2 89 45 0 66 27 229 29 51 149 229 20 36 99 155

Bhopal 692 34 14 135 0 94 30 307 5 47 255 307 32 46 307 385

Bhubaneshwar 367 109 0 71 0 64 47 291 67 60 164 291 22 35 19 76

Chandigarh 306 5 36 105 0 38 60 244 71 120 53 244 25 16 21 62

Chennai 581 0 70 31 0 55 322 478 335 105 38 478 32 43 28 103

Delhi 814 178 217 13 5 105 102 620 82 123 415 620 103 51 40 194

Guwahati 179 34 99 1 2 0 16 152 31 106 15 152 18 9 0 27

Hyderabad 410 4 116 3 0 56 145 324 46 239 39 324 27 31 28 86

Kochi 223 0 53 3 0 54 70 180 73 103 4 180 15 22 6 43

Kolkata 981 272 1 249 0 18 13 553 48 222 283 553 59 185 184 428

Lucknow 501 15 51 183 9 41 88 387 219 121 47 387 43 34 37 114

Mumbai 941 0 291 168 0 25 165 649 178 142 329 649 42 146 104 292

Total 6379 653 1037 1007 16 616 1085 4414 1184 1439 1791 4414 438 654 873 1965


3rd

jh

357

da

ANNEXURE - IX

INSURANCE ADVISORY COMMITTEE MEMBERS

As per the Notification dated: 23rd May, 2000 the following persons were appointed asmembers of the Insurance Advisory Committee, with effect from 1st June, 2000:

1. Mr. V. S. Vyas, Jaipur

2. Mrs. Pushpa Girimaji, New Delhi

3. Mr. A. C. Mukherjee, Kolkata

4. Mr. T. S. Vishwanath, FCA, New Delhi

5. Dr. D. N. Buragohain, Ex-Director, IIT, Guwahati

6. Mr. C.N.S. Shastri, Puttaparthi (Andhra Pradesh)

7. Mr. S. V. Mony, Chennai

8. Chairman, LIC of India, Mumbai

9. Chairman, GIC

10. The Director, NIA Pune

11. The Director, IIM Bangalore

12. Mr. S.P. Subhedar, Actuary, Mumbai

13. Mr. Dipak Dutta, Bengal Chamber of Commerce, Kolkata

14. Mrs. Ela Bhat, SEWA, Ahmedabad

15. Mr. T. Ramanan, Mumbai

16. Mr. Fali Poncha, Mumbai

17. Mr. Saumil Mehta, Surveyor, Mumbai

18. Mr. A. K. Tyagi, General Secretary, NFIFW, Lucknow

19. Mr. John Koshy, Agent, Cochin

20. Mr. D. Varadarajan, Advocate, New Delhi

21. The Director, Central Road Research Institute, Pune

22. The Vice Chancellor, Punjab Agricultural University, Ludhiana

23. Mr. Liyaquat Khan, Lucknow

24. Mr. A. K. Venkatsubramanian, IAS Retd., Former Secretary, Deptt. of Consumer Affairs, Govt. of India

25. Mr. V. K. Bhasin, Joint Secretary, Ministry of Law, New Delhi


3rd

jh

359

da

ANNEXURE - X

FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES

Processing Registration Renewal Fee PeriodicityFee Fee of Renewal

1. Insurers - Rs. 50,000 1/10th of 1per cent of Gross Direct Every year(Life/Non-life/ Premium written in India subject (by 31st Dec.)Reinsurance) to minimum of Rs. 50,000 and

maximum of Rs. 5 crore

2. Third Party Rs. 20,000 Rs. 30,000 Rs. 30,000 3 yearsAdministrators

3. Brokers

Direct Broker - Rs. 25,000 0.50 per cent of brokerage & fees 3 yearsearned in the preceding financialyear subject to minimum ofRs. 25,000 and maximum ofRs. 1,00,000/-

Reinsurance Broker - Rs. 75,000 0.50 per cent of brokerage & fees 3 yearsearned in the preceding financialyear subject to minimum ofRs 75,000 and maximum ofRs. 3,00,000/-

Composite Broker - Rs. 1,25,000 0.50 per cent of brokerage & 3 yearsfees earned in the precedingfinancial year subject to minimum ofRs. 1,25,000 and maximum ofRs. 5,00,000/-

4. Surveyors And Loss Assessors

Individual Category A - Rs. 10,000 Rs. 200/- for every category 5 years

B - Rs. 7,500

C - Rs. 5,000

Corporate Category A - Rs. 25,000 Rs. 200/- for every category 5 years

B - Rs. 20,000

C - Rs. 15,000

5. Corporate Agents - Rs. 250 for Rs. 250/- 3 yearscorporateinsuranceexecutiveRs. 500 forspecifiedperson


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ANNEXURE - XI

EQUITY SHARE CAPITAL OF INSURANCE COMPANIES

(Rs. in crores)

S. Name of the insurer 2001-02 2002-03 Foreign Indian FDI (%)No. TOTAL partner Promoter

Life Insurers

1. HDFC Standard Life Insurance Co. Ltd. 168.00 218.00 40.54 177.46 18.602. ICICI-Prudential Life Insurance Co. Ltd. 190.00 425.00 110.50 314.50 26.003. Max New York Life Insurance Co. Ltd. 250.00 255.00 66.30 188.70 26.004. Om Kotak Life Insurance Co. Ltd. 101.00 131.30 34.14 97.16 26.005. Birla Sun Life Insurance Co. Ltd. 150.00 180.00 46.80 133.20 26.006. TATA-AIG Life Insurance Co. Ltd. 185.00 185.00 48.10 136.90 26.007. SBI Life Insurance Co. Ltd. 125.00 125.00 32.50 92.50 26.008. ING Vysya Life Insurance Co. Ltd. 110.00 170.00 44.20 125.80 26.009. MetLife India Insurance Co. Ltd. 110.00 110.00 28.60 81.40 26.00

10. Allianz Bajaj Life Insurance Co. Ltd. 150.00 150.03 39.01 111.02 26.0011. AMP Sanmar 125.00 125.00 32.50 92.50 26.0012. AVIVA 154.80 40.25 114.55 26.00 Sub Total 1664.00 2229.13 563.43 1665.70 13. LIC 5.00 5.00 0.00 5.00

TOTAL (Life) 1669.00 2234.13 563.43 1670.70

Non-life insurers

1. Royal Sundaram Alliance Insurance 130.00 130.00 33.80 96.20 26.002. Reliance General Insurance Co. Ltd. 102.00 102.00 0.00 102.00 0.003. Bajaj Allianz General Insurance Co. 110.00 110.00 28.60 81.40 26.004. IFFCO-TOKIO General Insurance Co. 100.00 100.00 26.00 74.00 26.005. TATA-AIG General Insurance Co. Ltd. 125.00 125.00 32.50 92.50 26.006. ICICI Lombard General Insurance Co. 110.00 110.00 28.60 81.40 26.007. HDFC Chubb - 101.00 26.26 74.74 26.008. Cholamandalam MS 49.50 105.00 0.00 105.00

Sub Total 726.50 883.00 175.76 707.24 9. National Insurance Co. Ltd. 100.00 100.00 0.00 100.00

10. New India Assurance Co. Ltd. 100.00 100.00 0.00 100.00 11. United India Insurance Co. Ltd. 100.00 100.00 0.00 100.00 12. Oriental Insurance Co. Ltd. 100.00 100.00 0.00 100.00 Sub Total 400.00 400.00 0.00 400.00 13. ECGC 390.00 440.00 440.00

Total (Non-Life) 1516.50 1723.00 175.76 1547.24

Reinsurer

General Insurance Corporation 215.00 215.00 0.00 215.00

TOTAL 3400.50 4172.13 739.19 3432.94


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ANNEXURE - XII

DETAILS OF INSTITUTES WHOSE SYLLABUS OF INSURANCE COURSESAPPROVED

Sl. Name of Institution/ Date of Course DurationNo. Location accreditation

1. Birla Institute of Management 23 Sep, 2002 Post Graduate Diploma in Insurance 1 yearTechnology, Delhi and Risk Mgt.

2. Jaipuria Institute of 23 Sep, 2002 Post Graduate Diploma in Insurance 1 yearManagement, Lucknow and Risk Mgt.

3. Amity School of Insurance 23 Oct, 2002 Post Graduate Diploma in Insurance 1 yearand Actuarial Science, Noida

4. The Institute of Chartered 1 Nov, 2002 Diploma in Insurance and Risk Mgt. -Accountants of India, Delhi

5. All India Management 28 Jan, 2003 Post Graduate Diploma in Mgt 2 yearsAssociation, Delhi (Insurance Mgt)

6. The Tamil Nadu 13 March, 2003 Post Graduate Diploma in General -Dr. Ambedkar Law University, Insurance Laws and Practice �Chennai correspondence programme

7. Asia-Pacific Institute of 28 April, 2003 Post Graduate Diploma in Insurance 1 yearManagement, Delhi

8. Maharashtra Institute of 12 May, 2003 Post Graduate Diploma in 1 yearTechnology, Pune Insurance and Risk Mgt.

9. International Institute for 14 May, 2003 Post Graduate Diploma in Insurance 1 yearInsurance & Finance, and Risk Mgt.Hyderabad

10. UGCE � Insurance Institute for 30 May, 2003 Post Graduate Diploma in Insurance 1 yearEducation & Training, Business Mgt.Chandigarh

11. Acharyya Institute of 7 June, 2003 Post Graduate Diploma in Insurance 1 yearTechnology, Kolkata Technology

ANNEXURE - XIII

AUDITED ACCOUNTS OF THE AUTHORITY FOR THEFINANCIAL YEAR 2001-02


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SEPARATE AUDIT REPORT ON THE ACCOUNTS OF INSURANCEREGULATORY AND DEVELOPMENT AUTHORITY FOR 2001-02

1. Introduction

The Insurance Regulatory and Development Authority was established on 19th April, 2000 under InsuranceRegulatory and Development Authority Act, 1999 with its headquarter at New Delhi. The Authority has changedits headquarters to Hyderabad in December 2001. The Audit of the accounts of the Authority has beenentrusted under Section 19 (2) of the Comptroller & Auditor General (Duties, Power & Conditions of Service)Act, 1971. The Authority was to consist of a Chairman, five full time Members and four Part-time Members.As on date the Authority has one chairman, two full time and four part time members. There is an InsuranceAdvisory Committee, which helps the Authority in making its Rules and Regulations for proper discharge of itsactivities. The main powers and functions of the Authority are as under:l Protect the interest of and secure fair treatment to policyholders;l Bring about speedy and orderly growth of the insurance industry (including annuity and superannuation

payments), for the benefit of the common man, and to provide long term funds for accelerating growthof the economy;

l Set, promote, monitor and enforce high standards of integrity, financial soundness, fair dealing andcompetence of those it regulates;

l Ensure that insurance customers receive precise, clear and correct information about products andservices and make them aware of their responsibilities and duties in this regard;

l Ensure speedy settlement of genuine claims, to prevent insurance frauds and other malpractices andput in place effective grievance redressal machinery;

l Promote fairness, transparency and orderly conduct in financial markets dealing with insurance andbuild a reliable management information system to enforce high standards of financial soundnessamongst market players;

l Take action where such standards are inadequate or ineffectively enforced;l Bring about optimum amount of self-regulations in day to day working of the industry consistent with the

requirements of prudential regulation.

2. Sources of ReceiptsDuring 2001-02, the Authority�s receipts were Rs.42.17 crores as against its expenditure of Rs.5.89 crores.The receipts mainly consisted of fees received from various Insurance companies operating in India onaccount of their Registration and Renewal charges.

3. FundsThe funds of the Authority are being retained by itself despite directions of the Ministry to house the funds inPublic Account of India as non-interest bearing funds. As on 31st March 2002, the Authority continues tohouse its funds amounting to Rs. 57.42 crore in interest bearing deposits of banks and other financialinstitutions.

4. Comments on Accounts4.1 Under statement of Current Assets, Loan and Advances

Current Assets, Loan and Advances: Rs. 20,031,959.This does not include a sum of Rs. 20,00,000/- which was paid as advances to M/s Andhra PradeshIndustrial Development Corporation Ltd. (APIDC) vide cheque no. 308126 dt. 08/03/2002(HDFC A/c -New 435). The amount was given for the renovation work at IRDA office at Hyderabad.Since this amount represented advance in the nature of amount recoverable in cash or kind, the samewas required to be shown in the Balance Sheet. The Authority has charged this amount to Income and


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Expenditure Account by showing it as Establishment Expenses - Repair and Maintenance of Buildingsand Premises. Thus both Income and Current Assets of the Authority have been understated byRs. 20,00,000/-. The Authority in its reply stated that the sum of Rs. 20 Lakhs was, released as runningpayments against the renovation work, which is construed as an advance payment. Authority�s reply isnot acceptable as all notes and correspondence of the Authority clearly stipulate the payment as advance.(Reference to the completion certificate showed that it has been issued by APIDC without recordingmeasurement of the works.)

4.2 Under statement of Current Liabilities & ProvisionsCurrent liabilities and provisions: Rs. 12,92,305.

(1) This does not include provisions for salary amounting to Rs. 23.6 lakhs which was demanded bythe Life Insurance Corporation vide its letters dt. 12/02/2002, 13/09/2002, 23/09/2002 & 5/11/2002 for payment to LIC staff working for IRDA on working arrangement basis. Apparently theamount pertains to the period 2001-2002 for which no provision has been made in the accountsof the Authority. Hence, both Expenditure as well as Liabilities remained understated to that extent.

The Authority in its reply stated that it would make provisions for payment of salary and otherbenefits from the date of joining if their previous employer make a demand for the period theywere with the Authority on working arrangement.

(2) No provision was made in the accounts for the value of PCs amounting to Rs. 2.93 lakhs purchasedby LIC on behalf of IRDA, the payment for which was released to LIC on 25th July 2002. HenceCurrent Liabilities and provisions remained understated to that extent.

4.3 Incorrect depiction of investment to the tune of Rs. 37.40 lakhs and excess accountingof interest of Rs. 2.25 lakhs on investments.

As on 31st March, 2001, an investment of Rs. 5742.28 Lakhs has been made as fixed deposit with theIndian Overseas Bank and HDFC Bank by Insurance Regulatory and Development Authority. Scrutiny ofCertificate of Fixed Deposit and consolidated statement of Investment revealed that the maturity amountof Investment has been taken as Rs. 6644.99 lakhs instead of Rs. 6607.59 lakhs resulting in a differenceof Rs. 37.40 lakhs between the two. Similarly interest accrued has been taken into account as Rs.191.00 1akhs instead of Rs. 188.75 Iakhs. Thus, an excess interest of Rs. 2.25 1akhs was depicted inthe Balance Sheet resulting in overstatement of income to the extent of Rs. 2.25 lakhs. The details ofInvestment and Interest is enclosed as �Annexure I�

The Authority accepted the audit observation and stated that necessary rectification would be carried inthe accounts of 2002-2003. Interest accrued/actual on investment may be reconciled and necessaryrectification/adjustment be made into account under intimation to audit.

4.4 Difference between Assets Register and Balance Sheet

Scrutiny of Assets Register and Balance Sheet as on 31st March, 2002 revealed that there was adifference of Rs. 1.48 lakhs between the two which was not reconciled.

The Authority in its reply stated that it was presumed that consumable and the perishable items hadbeen taken into account in the dead stock register. The details of such items with regard to their cost willbe extracted from the records of the previous years and these items will be removed from the dead stockregister to correct the difference.


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4.5 Non-verification of Assets

The Authority had fixed assets valued at Rs. 28,33,511.06 as per Balance Sheet as on 31st March,2002 details of which were shown in Annexure-I. In this connection, the following comments are offered:

1. The progressive totals of value of all assets entered in the Fixed Assets Register were not carried outin accordance with the rule 151 (4)(a) of General Financial Rule.

2. Consumables like buckets, boxes purchased for shifting records, wall clocks, crockery, gas stoveetc. were also included in the assets register. The Authority did not maintain inventories of sucharticles in the prescribed form.

Assets register may be recast in the light of the above observation under intimation to audit.

Sd/-Place: New Delhi Director General of AuditDate: 18-07-2003 Central Revenues


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AUDIT CERTIFICATE

I have examined the Receipts and Payments Account, Income and Expenditure

Account for the year ended 31st March 2002 and Balance Sheet as on 31st

March 2002 of Insurance Regulatory and Development Authority, Hyderabad.

I have obtained all the information and explanations that I have required

and subject to the observations in the appended Audit Report, I certify as a

result of my audit that in my opinion, these accounts and Balance Sheet are

properly drawn-up so as to exhibit a true and fair view of Insurance Regulatory

and Development Authority, Hyderabad, according to the best of information

and explanations given to me and as shown to me by the books of

Organisation.

Sd/-Place: New Delhi Director General of AuditDated: 18-07-2003 Central Revenues

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Contd...

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, NEW DELHITHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND ACCOUNT

BALANCE SHEET AS AT MARCH 31, 2002

FORM A

FIGURES FOR THE LIABILITIES FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

GENERAL FUND

i) IRDA Fund [See Note 4]-At beginning of the year 893,243.68

893,243.68 -Receipts in the year -

893,243.68 -Balance at end of the year 893,243.68

ii) Capital Fund- -Capital Grants -- -Balance at the beginning of the year -- Add: Value of Fixed Assets received as grants -

during the year

iii) Surplus and Funds-Balance as per last Balance Sheet 12,478,206.44Add: Excess of Income Over Expenditureas per Income and Expenditure

12,478,206.44 Account - Annexed 336,916,567.87- Less: Excess of Expenditure Over

Income as per Income and ExpenditureAccount - Annexed -

12,478,206.44 -Balance at the end of the year 349,394,774.31- iv) Gift and Donations -

v) Other Balances -

LOANS- i) Secured (stating the security

offered for the purpose) -- ii) Unsecured -- iii) Loan from Government of India -- iv) Other Loans -

FIGURES FOR THE ASSETS FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

FIXED ASSETS [See Note 1]

2,269,754.68 -Gross Block 4,642,112.68697,331.62 -Less:Depreciation 1,808,601.62

1,572,423.06 -Net Block 2,833,511.06- -Capital Work-in-Progress -

INVESTMENTS [See Note 2](Method of Valuation - at Cost]

- i) Securities of Central and State Government -- ii) Units -- iii) Fixed Deposits with banks

(Including moneys belonging to theEmployees Provident Fund Trust to

204,766,622.00 be formed) 574,227,907.78iv) Others -

CURRENT ASSETS, LOANS AND ADVANCES[See Note 3]

31,500.00 i) Deposits with Agencies 57,840.00266,192.88 ii) Loans & Advances to Staff 2,021,953.88

6,321,977.50 iii) Amount Due from Insurance Companies& Others 573,298.00

1,335,759.50 iv) Other Current Assets 20,031,959.00v) Cash & Bank Balances

15,000.00 a) Cash in Hand 18,998.0012,190,515.18 b) Bank Balances 5,558,629.27

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BALANCE SHEET AS AT MARCH 31, 2002

FIGURES FOR THE LIABILITIES FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

CURRENT LIABILITIES AND PROVISIONS[See Note 5]

i) SUNDRY CREDITORS:- -for Capital Items -

18,962,541.00 -for Other Items-[Includes amount 98,205,957.00refundable Rs. 89,641,595 forreduction in renewal fees]

ii) PROVISIONS:- -Provision for doubtful debts and 229,485.00

advances- -Provision for depletion in value of investment -

iii) OTHER LIABILITIES:- 1. Unspent Grants -- 2. Interest payable to Government/

Other Loans -- 3. Provident, Retirement & Other

Welfare Funds:91,062.00 (a) Provident Fund 764,552.00

- (b) Other Welfare Funds -- (c) Retirement Benefit Fund and

Staff Benefit Fund: -4. Others (Specify)

4,987,536.00 -other Liabilites (TDS) 1,292,305.00189,087,401.00 -Registration Renewal fee 154,543,780.00

received in Advance

226,499,990.12 605,324,096.99


226,499,990.12 605,324,096.99

Notes: 1. The information relating to Fixed Assets is given in Annexure I.2. The information relating to Investments is given in Annexure II.3. The information relating to Current Assets, Loans and Advances is given in Annexure III.4. Details of IRDA Fund is given in Annexure IV (Fund includes grants received from Central Government, other organisations and bodies in terms of Section 16 of the Act).5. Details of Contingent Liabilities is given in Annexure V.6. All information relating to significant accounting policies and notes forming part of accounts is given in Annexure IX.7. All annexes to Statement of Affairs and notes/information relating to accounting policy forming part of Accounts.

-Sd- -Sd- -Sd- -Sd- R.K. Sharma N. Rangachary R. C. Sharma H.O. Sonig

Chief Accounts Officer Chairman Member Member

Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IX

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INCOME AND EXPENDITURE FOR THE YEAR ENDED MARCH 31, 2002

FORM B

FIGURES FOR THE EXPENDITURE FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

1,388,813.00 Payment to Chairperson 2,359,356.00and Members

728,402.90 Payment to and Provision for members 6,036,219.00of Staff [See Note 1]

13,326,883.90 Establishment Expenses [See Note 2] 21,601,397.7724,300,031.60 Rent 8,673,118.00

Research & Consultation Fees -Seminars,Conference, Publications, etc.[See Contra] -Interest [See Note 3] -

697,331.62 Depreciation 1,111,270.00- Capital Assets Written Off -- Loss on Write Off of Asset -- Provison for doubtful debts and advances 229,485.00

Development Expenditure -Promotional Expenditure -

- Other Expenses 40,390.0012,478,206.44 Excess of Income Over Expendiutre 336,916,567.87

carried to Balance Sheet

52,919,669.46 376,967,803.64

FIGURES FOR THE INCOME FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

Grants in Aid15,001,000.00 Received -

Receivable -Less: Transferred to Capital Fund -

Registration Fees33,743,663.00 Agents 110,756,681.50

- Surveyors and Insurance intermediaries -- TPA 520,000.00

650,000.00 Insurance Companies 300,000.00Renewal Fees

- Insurance Companies 234,561,500.00552,565.00 Surveyors and Insurance intermediaries 717,487.00

- TPA 420,000.00Others -Penalties,Fines etc. -Seminar, Conferences and Publications etc.

2,959,252.00 Income on Investments - Interest on 29,452,612.14deposits with Scheduled BanksInterest on Deposits -Interest on advances

- i) granted to members of staff forhousing purposes 16,578.00

- ii) granted to members of staff for otherpurposes 2,562.00

- iii) Others -13,189.46 Miscellaneous Income 220,383.00

Excess of Expenditure over income carried to Balance Sheet

52,919,669.46 376,967,803.64



Notes: 1. The information relating to payment to and provision for employees is to be given in Annexure VI.2. The information relating to establishment expenses is to be given in Annexure VII.3. The information relating to interest amount is to be given in Annexure VIII.4. All annexures to Income and Expenditure account and notes/information relating to significant accounting policies form part of accounts.


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RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2002

FORM C

S.No. RECEIPTS AMOUNT (Rs.) S.No. PAYMENTS AMOUNT (Rs.)

1. To Balance brought forwardi) Cash at Bank 12,190,515.18ii) Cash in hand 15,000.00iii) Cheques on hand -iv) Cash / Cheques in transit -

2. To Registration Fees-Insurance Companies 300,000.00-Insurance TPA 520,000.00-Insurance Surveyors --Insurance Agents 120,042,916.90-Others -

3. To Registration Renewal Fees-Insurance Companies 287,273,518.00-TPA 420,000.00-Insurance Surveyors 717,487.00-Insurance Agents --Others -

4. To Penalties, Fines from insurers and intermediaries -5.. To Seminar, Conferences etc. -6. To Income from Investments -7. To Sale of Investments -8. To Grants

i) Central Government / State Govt/ Others -ii) Gift and Donations -

9. To Loans 579,884.0010. To Sales of Publication etc. -11. To Sale of Assets -12. To Interest received on

-Deposits 11,478,804.14-Advances --Others -

13. To Recoveries from Employees(a) Loans and Advances 138,722.00(b) Interest on Loans and Advances -(c) Misc. -

14. To Other Receipts 220,383.00

433,897,230.22

1. By Research and Consultation Fees -2. By Seminars, Conference, Publications etc. -3. By Rent Payments 27,095,405.004. By Development Expenditure -5. By Promotional Expenditure -6. By Payment to Chairperson and Members

(i) Pay and Allowances 1,817,631.00(ii) Other Benefits 174,299.00(iii) Travelling Expenses 4,110,687.00

7. By Establishment Expenses(i) Pay and Allowances 5,002,762.00(ii) Other Benefits 178,012.00(iii) Travelling Expenses 5,433,106.00(iv) Retirement Benefits 229,853.00

8. By Office Expenses 9,866,324.279. By Interest on

(i) Government Loans -(ii) Other Loans -

10. By Purchase of Assets 2,372,357.6811. By Capital Work-in-Progress 565,800.0012. By Advances to staff and others including

travel advance 1,971,690.0013. By Investments-[Includes FD made on behalf

of PF Trust to be made] 369,461,286.0014. By Repayment of Government Loans -15. By Repayment of Other Loans -16. By Other Expenses 40,390.00

By Balance carried forwardi) Cash at Bank 5,558,629.27ii) Cash in hand 18,998.00iii) Cheques in hand -iv) Cash/ Cheques in Transit -

433,897,230.22



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ANNEXURE - 1

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT MARCH 31, 2002

FIXED ASSETS SCHEDULE

GROSS BLOCK DEPRECIATION NET BLOCK

Cost as on Additions Sold/Disposed As on As on For the Year Adjust- Up to As at As onParticulars 1.04.2001 During the Off During the 31.03.2002 1.04.2001 ments 31.03.2002 31.03.2002 31.03.2001

Year Year

Office Premises(a) Land - - - - - - - - - -(b) Building - - - - - - - - - -

Residential Flats(a) Land - - - - - - - - - -(b) Building - - - - - - - - - -

Vehicles 194,343.68 - - 194,343.68 50,315.58 37,289.00 - 87,604.58 106,739.10 144,028.10

Equipments 710,081.05 709,212.00 - 1,419,293.05 216,345.59 105,190.84 - 321,536.43 1,097,756.62 493,735.46

Furniture andFixtures 340,782.95 11,129.00 - 351,911.95 97,439.40 54,324.58 - 151,763.98 200,147.97 243,343.55

Computers 1,024,547.00 1,652,017.00 - 2,676,564.00 333,231.05 914,465.58 - 1,247,696.63 1,428,867.37 691,315.95

Total 2,269,754.68 2,372,358.00 - 4,642,112.68 697,331.62 1,111,270.00 - 1,808,601.62 2,833,511.06 1,572,423.06


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ANNEXURE - II



INVESTMENTS

1 Fixed Deposits with Scheduled Banks

Name of Date Amount Rate of Period Date of Interestthe Bank Interest Maturity Accrued

Indian 7-Dec-01 300,000 8.25% 1096 7-Dec-04 8654Overseas 26-Dec-01 50,000,000 8.50% 1096 26-Dec-04 1243924Bank 27-Dec-01 44,000,000 8.50% 1096 27-Dec-04 1083130

1-Jan-02 50,000,000 8.50% 1096 1-Jan-05 11653601-Jan-02 50,000 8.25% 1096 1-Jan-05 11271-Jan-02 3,968,102 8.25% 1096 1-Jan-05 89450

29-Dec-01 42,357,557 8.50% 1096 29-Dec-04 10205149-Jan-02 326,807 8.25% 1096 9-Jan-05 6705

24-Jan-02 325,260 8.25% 1096 24-Jan-05 230654

191,327,726 4,849,518

3-Oct-01 193,252,278 8.50% 365 3-Oct-02 83161442-Oct-01 10,100,274 8.50% 365 2-Oct-02 4370692-Oct-01 10,100,274 8.50% 365 2-Oct-02 4370692-Oct-01 10,100,274 8.50% 365 2-Oct-02 437069

12-Oct-01 4,485,596 8.00% 365 12-Oct-02 17221628-Dec-01 48,821,875 8.00% 365 28-Dec-02 1025417

276,860,571 10,824,984

HDFC 1-Mar-02 1,235,347.50 8.00% 185 2-Sep-02 8,2062-Nov-01 350,000.00 8.00% 182 3-May-02 11,545

25-Oct-01 11,300,000.00 8.00% 183 26-Apr-02 1,285,4697-Nov-01 50,000.00 8.00% 182 8-May-02 1,5947-Nov-01 500,000.00 8.00% 183 9-May-02 15,853

13-Nov-01 5,350,000.00 8.00% 182 14-May-02 163,45027-Nov-01 50,000.00 8.00% 182 28-May-02 1,373

4-Dec-01 800,000.00 8.00% 183 5-Jun-02 20,72329-Nov-01 5,000,000.00 8.00% 182 30-May-02 135,06114-Dec-01 500,000.00 8.00% 183 15-Jun-02 11,84515-Dec-01 5,000,000.00 8.00% 183 16-Jun-02 117,34219-Dec-01 300,000.00 8.00% 183 20-Jun-02 6,77526-Dec-01 50,000.00 8.00% 183 27-Jun-02 1,05212-Jan-02 400,000.00 8.00% 182 13-Jul-02 6,90715-Jan-02 500,000.00 8.00% 182 16-Jul-02 8,30216-Jan-02 5,000,000.00 8.00% 182 17-Jul-02 81,91424-Jan-02 125,000.00 8.00% 182 25-Jul-02 1,82630-Jan-01 5,000,000.00 8.00% 182 31-Jul-02 66,4166-Feb-02 250,000.00 8.00% 182 7-Aug-02 2,9338-Feb-02 300,000.00 8.00% 182 9-Aug-02 3,387

14-Feb-02 250,000.00 8.00% 182 15-Aug-02 2,491

Figures for the Figures for theCurrent Year Previous Year

Rs. Rs.

574,227,907.98 204766622.00

S.No. PARTICULARS


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18-Feb-02 5,000,000.00 8.00% 182 19-Aug-02 46,8171-Mar-02 5,000,000.00 8.00% 185 2-Sep-02 33,214

28-Feb-02 200,000.00 8.00% 185 1-Sep-02 1,37313-Mar-02 5,000,000.00 8.00% 185 14-Sep-02 19,92811-Mar-02 550,000.00 8.00% 185 12-Sep-02 2,436

63,404,735.05 2,093,373

19-Nov-01 25,169,680.11 8.00% 395 19-Dec-02 753,2121-Nov-01 4,099,210.21 8.00% 395 1-Dec-02 139,398.00

11-Nov-01 1,537,203.82 8.00% 395 11-Dec-02 48,789.0016-Nov-01 1,024,802.54 8.00% 395 16-Dec-02 31,365.0030-Nov-01 1,024,802.54 8.00% 396 31-Dec-02 28,115.0020-Oct-01 1,012,116.43 8.00% 396 20-Nov-02 37,176.0020-Oct-01 1,012,116.43 8.00% 396 20-Nov-02 37,176.0030-Oct-01 1,012,116.43 8.00% 396 30-Nov-02 34,881.0031-Oct-01 1,012,116.43 8.00% 395 30-Nov-02 34,648.003-Nov-01 1,012,116.43 8.00% 395 3-Dec-02 33,959.005-Nov-01 1,012,116.43 8.00% 395 5-Dec-02 33,500.008-Nov-01 1,012,116.43 8.00% 395 8-Dec-02 32,812.00

10-Nov-01 1,012,116.43 8.00% 395 10-Dec-02 32,353.0022-Nov-01 1,012,116.43 8.00% 395 22-Dec-02 29,600.00

41,964,747 1,306,984

573,557,779.14 19,074,859

Fixed Deposit for PF Trust

IOB 6-Dec-00 11,128 7.00% 6 Months 6-Jun-2002 749IOB 5-Jan-01 16,822 7.00% 6 Months 5-Jul-2002 1022IOB 5-Feb-01 21,567 7.50% 6 Months 5-Aug-2002 1159IOB 9-Mar-01 21,984 7.00% 6 Months 9-Sep-2002 1008IOB 31-Mar-01 21,984 7.00% 3 years 30-Sep-2004 1049IOB 2-May-01 26,836 7.00% 3.51 2-Nov-2004 2336IOB 31-May-01 28,144 8.00% 12 Months 31-May-2002 1,932IOB 7-Jun-01 19,954 8.00% 12 Months 7-Jun-2002 1,343IOB 19-Jul-01 32,294 8.00% 12 Months 3-Jul-2002 1,977IOB 31-Jul-01 42,750 8.00% 12 Months 31-Jul-2002 2,346IOB 12-Sep-01 38,464 8.00% 12 Months 12-Sep-2002 1,738IOB 11-Oct-01 40,346 8.00% 12 Months 11-Oct-2002 1,558IOB 5-Nov-01 58,118 8.00% 12 Months 5-Nov-2002 1,916IOB 28-Nov-01 66,926 8.00% 12 Months 28-Nov-2002 1,859IOB 1-Jan-02 69,144 7.50% 12 Months 1-Jan-2003 1,768IOB 29-Jan-02 65,022 7.50% 12 Months 29-Jan-2003 1,264IOB 27-Feb-02 67,202 7.50% 12 Months 27-Feb-2003 454IOB 18-Mar-02 21,443 7.50% 12 Months 18-Mar-2003 59

670,128 25540


Rs. Rs.

S.No. PARTICULARS

2 Others(a) Quoted- Cost and Market Valueb) Unquoted Nil Nil

Name of Date Amount Rate of Period Date of Interestthe Bank Interest Maturity Accrued


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ANNEXURE - III



CURRENT ASSETS, LOANS AND ADVANCES

PARTICULARS Figures for the Figures for the Current Year Previous Year

Rs. Rs.

DEPOSITS- For Premises 22,500.00 -- With Others- MTNL 35,340.00 31,500.00

57,840.00 31,500.00

LOANS & ADVANCES TO STAFF- Housing Loan to Staff 1,209,600.00 -- Loans to Staff for other purposes 756,092.88 215,325.88- Other Advances - Festival 56,261.00 -- Others - Advance for Travel - 50,867.00

TOTAL 2,021,953.88 266,192.88

AMOUNTS DUE FROM INSURANCE COMPANIES & OTHERS- Insurance Companies�-[Indicates the amount due from

State Insurance Companies] 229,485.00 1,061,099.00- Agents-[Indicates the amount of expired cheques in hand

received from agents earlier] 343,813.00 5,260,878.50

TOTAL 573,298.00 6,321,977.50

OTHER CURRENT ASSETS- Expense Recoverable 425.00 -- Prepaid Expenses 346,195.00 233,890.50- Interest Accrued but not due - Bank deposits (Includes Rs.25,540

on Fixed Deposit held on behalf of PF Trust to be formed) 19,100,399.00 1,101,869.00- Interest Accrued but not due - Staff Loans 19,140.00 -- Advances on Capital Account-[For software development] 565,800.00 -

TOTAL 20,031,959.00 1,335,759.50

CASH AND BANK BALANCES- Cash in hand 18,998.00 15,000.00- Cheques in hand - -- Cash/ Cheque in transit - -- Balances with Scheduled Banks

(a) In Current Account 5,558,629.27 12,190,515.18(b) on Deposit Account - -

TOTAL 5,577,627.27 12,205,515.18

- Balance with Non Scheduled Bank(a) In Current Account - -(b) In Deposit Account - -

TOTAL


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ANNEXURE - IVTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND



Rs. Rs.

Grant from Government of India - 893234.68

ANNEXURE - VTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT MARCH 31, 2002CONTINGENT LIABILITIES


Rs. Rs.

- -

ANNEXURE - VI

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUNDATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED MARCH 31, 2002PAYMENT TO AND PROVISION FOR EMPLOYEES


Rs. Rs.i) Salaries, Allowances, Wages and Bonus 4,975,533.00 670,489.90ii) Bonus - -iii) Contribution to Provident Fund, etc. 298,737.00 45,913.00iv) Gratuity 210,148.00 2,183.00v) Staff Welfare Expenses - -vi) Others

-Book Grant - 3,805.00-Leave Travel Concession 14,045.00 --Insurance - 1,693.00-Canteen Expenses - 3,903.00-Monetary Award - Studies - --Contribution to Group Insurance Scheme 21,770.00 --Reimbursement of expenses incurred by Staff 169,426.00 --Leave Salary 346,560.00 416.00

TOTAL 6,036,219.00 728,402.90


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ANNEXURE - VII

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUNDATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNT

FOR THE YEAR ENDED MARCH 31, 2002ESTABLISHMENT EXPENSES


Rs. Rs.

Repairs & Maintenance of Buildings & Premises 2,267,704.00 787,324.00House Keeping - Office Maintenance 825,542.00 159,179.00Repairs & Maintenance of Equipments - 44,425.00Repairs and Maintenance - Others 23,075.00 1,356,290.00Electricity (Payable to LIC) 803,258.00 200,000.00Insurance - Vehicle 15,300.00 6,524.00Rates and Taxes - -Printing and Stationery 690,481.00 2,050,100.00Books/Journals etc. 63,628.00 91,186.00Postage, Telegraphs, Telephones, etc. 1,210,860.27 792,370.00Travelling and Conveyance Inland 4,945,309.00 4,394,750.40(Includes Payable to LIC Rs.711755/-)Travel - Foreign 5,367,184.00 147,093.00Legal and Professional charges 1,440,279.00 285,716.00Education/Training/R&D/Grievances Redressal Expenses - -Audit Fees 99,520.00 -Software - 150,000.00Publicity & Advertisement 2,062,541.00 572,574.00Recruitment - -Expenses of Meetings of Authority & Advisory Committee & Othermeeting expenses including daily allowances paid - -to the members of the Committee 195,685.00 767,758.00Membership and Subscription 415,835.50 244,664.50Security Services 225,879.00 167,369.00Web Portal Development Expenses 564,300.00 900,000.00(Rs.33215 payable to Maruthi IT.Com)Canteen Expenses 143,523.00 -Car Repair and Maintenance Expenses 52,560.00 29,269.00Other Expenses 188,934.00 180,292.00

TOTAL 21,601,397.77 13,326,883.90

ANNEXURE - VIIITHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF INCOME AND EXPENDITURE ACCOUNTFOR THE YEAR ENDED MARCH 31, 2002

INTERESTPARTICULARS Figures for the Figures for the

Current Year Previous Year Rs. Rs.

Government - -Banks - -Others - -

TOT A L - -


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ANNEXURE - IX

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND ACCOUNT

NOTES TO THE FINANCIAL STATEMENTS

[Unless otherwise specified, all amounts are in rupees]

1. BACKGROUND

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (The Authority) was establishedby an Act of Parliament-Insurance Regulatory & Development Authority Act, 1999 (ACT)- and wasconstituted on April 19, 2000 by a notification issued in the Gazette of India. The Authority wasestablished with a view to protect the interests of the holders of insurance policies, to regulate, promoteand ensure orderly growth of the insurance industry and for matters connected therewith or incidentalthereto. The Authority, in terms of section 13 of Insurance Regulatory and Development Authority Act,1999 [Act], has been vested with the assets and liabilities of the Interim Insurance Regulatory Authorityas are available on the appointed day i.e. April 19, 2000. In terms of section 16 of the Act a fundshall be constituted namely �The Insurance Regulatory and Development Authority Fund� [Fund]. TheFund shall constitute of all Government grants, fees and charges received by the Authority, all sumsreceived by the Authority from such other source as may be decided upon by the Central Governmentand the percentage of prescribed premium income received from the insurer. The Fund shall be appliedfor meeting the salaries, allowances and other remuneration of the members, officers and other employeesof the Authority and the other expenses of the Authority in connection with discharge of its functionsand for the purpose of the Act.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The financial statements are prepared under the historical cost convention, on the accrual basis ofaccounting save for revenue recognition on cash basis as explained hereunder, and in accordancewith the applicable standards on accounting issued by the Institute of Chartered Accountants of India.The significant accounting policies are as follows:

(a) Fixed assets and depreciation

Fixed assets are stated at cost less accumulated depreciation. Depreciation on fixed assets isprovided pro-rata to the period of use on reducing balance method using rates determined basedon the rates specified in Schedule XIV to the Companies Act, 1956. Assets costing less thanRs. 5,000 have been depreciated 100% in the year of purchase.

(b) Investments

Investments of the nature of fixed deposits with banks are stated at cost.

(c) Revenues(i) Registration Fees

(a) Received from insurer seeking for the first time, registration to carrying on any class ofinsurance business in India, are treated income of the year of receipt.

(b) Received in advance from existing insurers for renewal of registration already grantedare treated as income of the year to which they relate.


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(ii) License Fees

License fees received from insurance agents, surveyors and other insurance intermediaries aretreated as income of the year in which it is received. Licenses issued to insurance agents,surveyors and other insurance intermediaries are current for those years from date of issueand subject to renewal at the end of their currency. It is not practicable to distribute theLicense fees over the years to which they relate.

(iii) Grant from Ministry of Finance, Govt. of IndiaInitial Grant received has been treated as income of the year in which it is received.

(d) Foreign currency transactionsNon-monetary foreign currency transactions are recorded at rates of exchange prevailing on thedates of the transactions. Monetary foreign currency assets and liabilities are translated into rupeesat the rates of exchange prevailing on the balance sheet date. The differences in translationof foreign currency liabilities related to the acquisition of fixed assets are adjusted in the carryingvalue of fixed assets. Other translation differences are reflected in the Income and ExpenditureAccount.

(e) Web Portal Development and MaintenanceExpenses incurred on Web Portal Development and Maintenance is charged to the Income andExpenditure Account in the year of incurrence.

(f) Retirement benefits

Retirement benefits to employees comprise contribution to provident fund, gratuity and leaveencashment, which are provided in accordance with the Regulations made under the Act.

Leave encashment is provided for at the current encashable salary for the entire unavailed leavebalances.

The Authority has established a IRDA Employees Provident Fund Trust for the benefit of its officersand other employees subsequent to the close of the year. Pending establishment, the contributionmade by the Authority and of the employees has been earmarked and deposited in fixed depositswith a scheduled bank.

The liability for gratuity is determined based on actuarial valuation, in accordance with gratuityscheme framed by the Authority.

3. INCOME-TAX

No income tax provision has been made in view of income of the Authority being exempt undersection 10 (23BBE) of Income-tax Act,1961 effective assessment year 2001-2002.

4. The renewal fees from State Insurance agencies have not been accounted for in the absence of informationof gross insurance premium.

5. The Authority has received a letter from Ministry of Finance, Department of Economic Affairs datedJuly 17, 2002 directing the Authority to deposit the moneys so far collected by the Authority in thePublic Account of India as non-interest bearing account and allowing the Authority to withdraw aspecified amount in the beginning of each year from the said Public Account for meeting its expenditure.The Authority, based on legal opinion obtained, is seeking review of the direction received as theAuthority is of the view of that the funds raised by it from the insurers and the intermediaries do


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not have the character of Government Revenue and cannot form part of the Public Fund of India,which position is in accord with the legal opinion obtained by the Authority. The Authority has takenup the issue with the Government of India.

6. In the absence of agent wise accounting of license fee, the amount deposited in excess of the recoverablelicense fee (based on licenses issued during the year) has been treated as license fee income.

7. PRIOR YEAR COMPARATIVES

Previous period represents the period April 19, 2000 (the date of constitution of IRDA) till March31, 2001. Previous year figures have been regrouped wherever considered necessary to make themcomparable with the current year�s figures.

ANNEXURE XIV

UNAUDITED ACCOUNTS OF THE AUTHORITY FOR THEFINANCIAL YEAR 2002-03

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THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABADTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND ACCOUNT

UNAUDITED BALANCE SHEET AS AT MARCH 31, 2003

FORM A

FIGURES FOR THE LIABILITIES FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR

(Rs.) (Rs.)

GENERAL FUND

i) IRDA Fund [See Note 4]893,243.68 -At beginning of the year 893,243.68

- -Receipts in the year -

893,243.68 -Balance at end of the year 893,243.68

ii) Capital Fund- -Capital Grants- -Balance at the beginning of the year -- Add: Value of Fixed Assets received as grants -

during the year

iii) Surplus and Funds12,478,206.44 -Balance as per last Balance Sheet 349,394,774.31

- Add: Excess of Income Over Expenditure- as per Income and Expenditure

336,916,567.87 Account - Annexed- Less: Excess of Expenditure Over- Income as per Income and Expenditure- Account - Annexed 9,304,316.57

349,394,774.31 -Balance at the end of the year 340,090,457.74

- iv) Gift and Donations -- v) Other Balances -

LOANS- i) Secured (stating the security

offered for the purpose) -- ii) Unsecured -- iii) Loan from Government of India -- iv) Other Loans -


FIXED ASSETS [See Note 1]

4,642,112.68 -Gross Block 14,005,986.681,808,601.62 -Less:Depreciation 4,212,069.62

2,833,511.06 -Net Block 9,793,917.06- -Capital Work-in-Progress -

INVESTMENTS [See Note 2](Method of Valuation - at Cost]

- i) Securities of Central and State Government -574,227,907.78 ii) Units -

- iii) Fixed Deposits with banks 579,253,209.78- iv) Others -

CURRENT ASSETS, LOANS AND ADVANCES[See Note 3]

57,840.00 i) Deposits with Agencies 582,910.002,021,953.88 ii) Loans & Advances to Staff 4,778,194.88

573,298.00 iii) Amount Due from Insurance Companies 187,192.00& Others

20,031,959.00 iv) Other Current Assets 31,946,140.48v) Cash & Bank Balances

18,998.00 a) Cash in Hand 19,870.005,558,629.27 b) Bank Balances 4,722,114.57

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UNAUDITED BALANCE SHEET AS AT MARCH 31, 2003

FIGURES FOR THE LIABILITIES FIGURES FOR THE PREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

CURRENT LIABILITIES AND PROVISIONS[See Note 5]

i) SUNDRY CREDITORS:- -for Capital Items -

97,281,638.00 -for Other Items-[Includes amount 103,853,769.45refundable Rs. 89,351,763 forchange in renewal fees and bookoverdraft Rs. 8,267,339.45]

- ii) PROVISIONS:229,485.00 -Provision for doubtful debts and 187,192.00

advances- -Provision for depletion in value of investment -

- iii) OTHER LIABILITIES:- 1. Unspent Grants -- 2. Interest payable to Government/

Other Loans -- 3. Provident, Retirement & Other

Welfare Funds:764,552.00 (a) Provident Fund 295,569.00

- (b) Other Welfare Funds -924,319.00 (c) Retirement Benefit Fund and

Staff Benefit Fund: 1,400,067.00- 4. Others (Specify)

1,292,305.00 -other Liabilites (TDS) 1,309,305.00154,543,780.00 -Registration Renewal fee 183,249,504.90

received in Advance- -Soft Furnishing Recovery 4,440.00

605,324,096.99 631,283,548.77


605,324,096.99 631,283,548.77

Notes: 1. The information relating to Fixed Assets is given in Annexure I.2. The information relating to Investments is given in Annexure II.3. The information relating to Current Assets, Loans and Advances is given in Annexure III.4. Details of IRDA Fund is given in Annexure IV (Fund includes grants received from Central Government, other organisations and bodies in terms of Section 16 of the Act).5. Details of Contingent Liabilities is given in Annexure V.6. All information relating to significant accounting policies and notes forming part of accounts is given in Annexure IX.7. All annexes to Statement of Affairs and notes/information relating to accounting policy forming part of Accounts.

-Sd- -Sd- -Sd- -Sd- R.K. Sharma N. Rangachary R. C. Sharma P.A. Balasubramanian



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THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABADTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND ACCOUNTUNAUDITED INCOME AND EXPENDITURE FOR THE YEAR ENDED MARCH 31, 2003

FORM B

FIGURES FOR THE EXPENDITURE FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

2,385,908.00 Payment to Chairperson 1,984,536.00and Members

6,036,219.00 Payment to and Provision for members 15,316,110.00.00of Staff [See Note 1]

21,574,845.77 Establishment Expenses [See Note 2] 31,103,638.058,673,118.0 Rent 6,837,332.00

- Research & Consultation Fees -- Seminars,Conference, Publications, etc. 2,512,886.00

[See Contra]- Interest [See Note 3] -

1,111,270.00 Depreciation 2,576,292.00- Capital Assets Written Off -- Loss on Sale of/Write Off of Asset 6,544.00

229,485.00 Provison for doubtful debts and advances 37,900.00- Development Expenditure 100,000,000.00- Promotional Epxenditure 131,833,504.00

40,390.00 Other Expenses 961,268.00336,916,567.87 Excess of Income Over Expendiutre 80,047,446.43

for the year carried down

376,967,803.64 373,217,456.48

- Fee refundable for the year 2000-01on levy reduction (Note 5) 89,351,763.00

89,351,763.00

FIGURES FOR THE INCOME FIGURES FOR THEPREVIOUS YEAR CURRENT YEAR(Rs.) (Rs.)

Grants in Aid- Received -- Receivable -- Less: Transferred to Capital Fund -

Registration Fees110,756,681.50 Agents 258,941,963.00

- Surveyors and Insurance intermediaries -- Brokers 2,425,000.00

520,000.00 Third Party Administration 120,000.00300,000.00 Insurance Companies 250,000.00

Renewal Fees234,561,500.00 Insurance Companies 63,665,278.00

717,487.00 Surveyors and Insurance intermediaries 935,587.00420,000.00 Third Party Administration 270,000.00

- Others -- Penalties,Fines etc. -- Seminar, Conferences and Publications etc. 2,574,750.00

29,452,612.14 Income on Investments - Interest on 43,447,792.48deposits with Scheduled Banks

- Interest on Deposits -Interest on advances

16,578.00 i) granted to members of staff for 147,460.00housing purposes

2,562.00 ii) granted to members of staff for other 39,726.00purposes

- iii) Others -220,383.00 Miscellaneous Income 399,900.00

376,967,803.64 373,217,456.48Excess of income over expenditure for 80,047,446.43the year brought downExcess of Expenditure over income 9,304,316.57carried to Balance Sheet

89,351,763.00



Notes: 1. The information relating to payment to and provision for employees is given in Annexure VI.2. The information relating to establishment expenses is given in Annexure VII.3. The information relating to interest amount is given in Annexure VIII.4. All Answers to Income and Expenditure Account and Notes/Information relating to Significant Accounting Policies from part of accounts.


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UNAUDITED RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2003

FORM C

S.No. RECEIPTS AMOUNT (Rs.) S.No. PAYMENTS AMOUNT (Rs.)

1. To Balance brought forwardi) Cash at Bank 5,558,629.27ii) Cash in hand 18,998.00iii) Cheques on hand -iv) Cash / Cheques in transit -

2. To Registration Fees-Insurance Companies 250,000.00-Third Party Administrators 120,000.00-Brokers 2,425,000.00-Insurance Agents --Others -

3. To Registration Renewal Fees-Insurance Companies 87,498,002.90-Third Party Administrators 270,000.00-Insurance Surveyors 935,587.00-Insurance Agents 264,120,876.00-Others -

4. To Penalties, Fines from insurers and intermediaries -5 To Seminar, Conferences etc. 2,574,750.006. To Income from Investments -7. To Sale of Investments 279,057,121.008. To Grants

i) Central Government / State Govt/ Others -ii) Gift and Donations -

9. To Loans -10. To Sales of Publication etc -11. To Sale of Assets 40,00.00012. To interest received on

-Deposits 31,516,540.00-Advances --Others -

13 To Recoveries from Employees(a) Loans and Advances 1,619,363.00(b) Interest on Loans and Advances 30,256.00(c) Misc. -

14 To Other Receipts 395,031.00

676,430,154.17

1. By Research and Consultation Fees -2. By Seminars, Conference, Publications etc. 2,512,886.00

3. By Rent Payments 10,448,965.00

4. By Development Expenditure 100,000,000.00

5. By Promotional Expenditure [Rs. 130,991,004.00 122,723,664,55less book overdraft Rs.8,267,339.45]

6. By Payment to Chairperson and Members(i) Pay and Allowances 1,943,976.00(ii) Other Benefits 195,574.00(iii) Travelling Expenses 7,438,713.00

7. By Establishment Expenses

(i) Pay and Allowances 10,772,531.00(ii) Other Benefits 774,801.00(iii) Travelling Expenses 8,579,101.60(iv) Retirement Benefits 2,624,344.00

8. By Office Expenses 14,592,094.45

9 By Interest on

(i) Government Loans -(ii) Other Loans -

10. By Purchase of Assets 9,202,193.00

11. By Capital Work-in-Progress -

12. By Advances to staff and others 4,544,012.00

13. By Investments 284,752,551.00

14. By Repayment of Government Loans/fees (refer note 5) 89,641,595.00

15. By Repayment of Other Loans -

16. By Other Expenses 941,168.00By Balance carried forward

i) Cash at Bank 4,722,114.57ii) Cash in hand 19,870.00iii) Cheques in hand -iv) Cash/ Cheques in Transit -

676,430,154.17



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ANNEXURE - I


ATTACHED TO AND FORMING PART OF UNAUDITED BALANCE SHEET AS AT MARCH 31, 2003

FIXED ASSETS SCHEDULE

GROSS BLOCK DEPRECIATION NET BLOCK

Cost as on Additions Sold/Disposed As on As on For the Year Adjust- Up to As at As onParticulars 1.04.2001 During the Off During the 31.03.2002 1.04.2001 ments 31.03.2002 31.03.2002 31.03.2001

Year Year

Office Premises(a) Land - - - - - - - - - -(b) Building - - - - - - - - - -

Residential Flats(a) Land - - - - - - - - - -(b) Building - - - - - - - - - -

Vehicles 194,343.68 480,256.00 97,345.00 577,254.68 87,604.58 105,196.00 50,801.00 141,999.58 435,255.10 106,739.10

Equipments 1,419,293.05 1,020,644.00 277,866.00 2,162,071.05 321,536.20 286,302.00 112,089.00 495,749.20 1,666,321.85 1,097,756.85

Furniture andFixtures 351,911.95 3,015,232.00 34,960.00 3,332,183.95 151,763.98 547,544.00 9,934.00 689,373.98 2,642,809.97 200,147.97

Computers 2,676,564.00 5,257,913.00 - 7,934,477.00 1,247,696.86 1,637,250.00 - 2,884,946.86 5,049,530.14 1,428,867.14

Total 4,642,112.68 9,774,045.00 410,171.00 14,005,986.68 1,808,601.62 2,576,292.00 172,824.00 4,212,069.62 9,793,917.06 2,833,511.06


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ANNEXURE - II

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUNDATTACHED TO AND FORMING PART OF UNAUDITED BALANCE SHEET AS AT MARCH 31, 2003

INVESTMENTS

1 Fixed Deposits with Scheduled Banks

Name of the Date Amount Rate of Period Date of InterestBank Interest Maturity Accrued

Indian 03-Oct-02 110,209,779.00 7.50% 179 03-Oct-05 4,160,072.75Overseas 07-Dec-01 300,000.00 8.25% 479 07-Dec-04 33,950.06Bank, 26-Dec-01 50,000,000.00 8.50% 460 26-Dec-04 5,591,949.45New 27-Dec-01 44,000,000.00 8.50% 459 27-Dec-04 4,909,536.22Delhi 01-Jan-02 50,000,000.00 8.50% 454 01-Jan-05 5,514,628.82

01-Jan-02 50,000.00 8.25% 454 01-Jan-05 5,345.7829-Dec-01 42,357,557.00 8.50% 457 29-Dec-04 4,704,362.7809-Jan-02 326,807.00 8.25% 446 09-Jan-05 - 34,299.5624-Jan-02 325,260.00 8.25% 431 24-Jan-05 32,940.16

297,569,403.00 24,987,085.57

Indian 03-Sep-02 1,000,000.00 7.50% 209 03-Sep-05 43,506.97Overseas 03-Sep-02 1,000,000.00 7.50% 209 03-Sep-05 43,506.97Bank, 03-Sep-02 1,000,000.00 7.50% 209 03-Sep-05 43,506.97Hyderabad 03-Sep-02 1,000,000.00 7.50% 209 03-Sep-05 43,506.97

03-Sep-02 1,000,000.00 7.50% 209 03-Sep-05 43,506.9717-Sep-02 5,000,000.00 7.50% 195 17-Sep-05 202,611.3722-Aug-02 1,000,000.00 7.50% 221 22-Aug-05 46,058.4922-Aug-02 1,000,000.00 7.50% 221 22-Aug-05 46,058.4922-Aug-02 1,000,000.00 7.50% 221 22-Aug-05 46,058.4922-Aug-02 1,000,000.00 7.50% 221 22-Aug-05 46,058.4922-Aug-02 1,000,000.00 7.50% 221 22-Aug-05 46,058.4914-Aug-02 1,000,000.00 7.50% 229 13-Aug-05 45,845.1714-Aug-02 1,000,000.00 7.50% 229 13-Aug-05 45,845.1714-Aug-02 1,000,000.00 7.50% 229 13-Aug-05 45,845.1714-Aug-02 1,000,000.00 7.50% 229 13-Aug-05 45,845.1725-Oct-02 5,000,000.00 7.25% 157 25-Oct-05 157,104.3325-Oct-02 1,975,000.00 7.00% 157 24-Oct-03 59,900.8328-Oct-02 3,000,000.00 6.50% 154 28-Oct-05 82,816.6510-Dec-02 7,500,000.00 6.50% 111 09-Dec-05 148,702.9613-Mar-03 2,500,000.00 6.25% 18 12-Mar-04 7,705.4815-Jan-03 7,500,000.00 03-Apr-03 63,500.00

46,475,000.00 1,353,549.58

HDFC 19-Dec-02 27,423,608.67 6.25% 102 19-Jan-04 479,842.39Bank 01-Dec-02 4,466,291.84 6.25% 120 02-Jun-03 92,903.26

11-Dec-02 1,674,859.42 6.50% 110 11-Jan-04 32,904.5016-Dec-02 1,116,572.95 6.50% 105 16-Jan-04 20,926.1930-Dec-02 1,116,816.17 6.25% 91 31-Jan-04 17,599.5705-Dec-02 1,102,750.80 6.50% 116 05-Jan-04 22,861.9508-Dec-02 1,102,750.80 6.50% 113 08-Jan-04 22,263.36


Rs. Rs.

579,253,209.78 574,227,907.78

S.No. PARTICULARS


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Rs. Rs.

S.No. PARTICULARS


10-Dec-02 1,102,750.80 6.50% 111 10-Jan-04 22,063.8422-Dec-02 1,102,750.80 6.25% 99 22-Jan-04 18,911.8203-Mar-03 1,340,974.34 5.75% 28 04-Sep-03 5,703.7303-Mar-03 1,331,232.62 5.75% 28 04-Sep-03 5,872.0104-Nov-02 378,076.24 6.75% 147 05-May-03 10,414.5127-Oct-02 10,883,883.19 6.00% 155 28-Apr-03 279,011.1809-Nov-02 54,010.90 6.25% 142 10-May-03 1,320.5615-Nov-02 5,793,549.95 6.25% 136 16-May-03 136,613.6029-Nov-02 54,010.92 6.25% 122 30-May-03 1,142.0806-Dec-02 864,185.75 6.00% 115 07-Jun-03 16,389.2001-Dec-02 5,414,555.60 6.25% 120 02-Jun-03 111,686.6416-Dec-02 540,116.00 6.00% 105 17-Jun-03 9,342.2517-Dec-02 5,414,533.17 6.00% 104 18-Jun-03 92,750.6221-Dec-02 324,069.64 6.00% 100 22-Jun-03 5,335.0528-Dec-02 54,011.61 7.50% 93 29-Jun-03 826.1114-Jan-03 432,087.16 6.00% 76 15-Jul-03 5,398.1317-Jan-03 540,108.95 6.00% 73 18-Jul-03 6,481.3126-Jan-03 135,027.25 5.75% 64 27-Jul-03 1,361.3701-Feb-03 5,387,662.98 5.75% 58 02-Aug-03 50,075.7408-Feb-03 269,383.13 5.75% 51 09-Aug-03 2,164.2910-Feb-03 323,259.75 5.75% 49 11-Aug-03 2,495.3016-Feb-03 269,383.13 5.75% 43 17-Aug-03 1,824.7920-Feb-03 5,394,250.70 5.75% 39 21-Aug-03 41,639.1803-Mar-03 5,388,089.66 5.75% 28 04-Sep-03 23,766.6402-Mar-03 215,523.61 5.75% 29 03-Sep-03 950.6715-Mar-03 5,381,489.01 5.75% 16 16-Sep-03 13,564.3013-Mar-03 591,964.87 5.75% 18 14-Sep-03 1,678.5815-Oct-02 2,081,479.66 6.75% 167 15-Apr-03 65,166.1716-Oct-02 624,443.90 6.75% 166 17-Apr-03 19,314.9620-Oct-02 5,203,699.15 6.75% 162 20-Apr-03 157,043.2230-Oct-02 570,993.22 6.75% 152 01-May-03 16,158.1805-Jan-03 5,253,300.61 6.00% 85 06-Jul-03 73,402.2807-Jan-03 155,756.84 6.00% 83 08-Jul-03 2,125.1213-Jan-03 934,541.02 6.00% 77 14-Jul-03 11,828.9812-Sep-02 550,000.00 7.25% 200 13-Sep-03 22,102.33

112,358,806.78 1,925,225.98

ICICI 14-Dec-02 2,450,000.00 7.00% 107 14-Dec-05 50,413.21Bank 20-Dec-02 3,600,000.00 6.50% 101 21-Dec-05 64,863.71

26-Dec-02 1,500,000.00 6.50% 95 24-Dec-05 25,398.1231-Dec-02 24,500,000.00 7.00% 90 01-Jan-06 427,656.5018-Jan-03 6,500,000.00 6.50% 72 19-Jan-06 83,342.4730-Jan-03 7,000,000.00 6.25% 60 31-Jan-06 71,917.8119-Feb-03 4,000,000.00 6.25% 40 20-Feb-06 26,712.33

49,550,000.00 750,304.15

Bank of 04-Apr-02 5,000,000.00 8.00% 361 04-Apr-05 409,833.90India 05-Jul-02 1,000,000.00 7.50% 269 05-Jul-03 56,297.93

05-Jul-02 1,000,000.00 7.50% 269 05-Jul-03 56,297.9305-Jul-02 1,000,000.00 7.50% 269 05-Jul-03 56,297.93

14-Sep-02 300,000.00 7.00% 198 14-Sep-03 11,516.4025-Jul-02 5,000,000.00 8.00% 249 25-Jul-03 277,811.42

31-Oct-02 4,000,000.00 6.50% 151 31-Oct-03 108,250.20


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Rs. Rs.

S.No. PARTICULARS


2 Others(a) Quoted- Cost and Market Value Nil Nilb) Unquoted Nil Nil

27-Nov-02 1,000,000.00 6.50% 124 27-Nov-05 22,175.5626-Dec-02 8,000,000.00 6.25% 95 27-Dec-05 130,242.54

26,300,000.00 1,128,723.80

Canara 11-Oct-02 2,500,000.00 7.75% 171 11-Oct-05 91,589.72Bank 11-Oct-02 2,500,000.00 7.75% 171 11-Oct-05 91,590.00

15-Nov-02 2,000,000.00 7.00% 136 15-Nov-05 52,462.1515-Nov-02 1,500,000.00 7.00% 136 15-Nov-05 39,346.6215-Nov-02 1,500,000.00 7.00% 136 15-Nov-05 39,346.6218-Dec-02 6,000,000.00 6.75% 103 18-Dec-05 114,527.7530-Dec-02 5,000,000.00 6.75% 91 30-Dec-05 85,099.2715-Jan-03 26,000,000.00 6.50% 75 14-Jan-06 347,260.27

47,000,000.00 861,222.40


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ANNEXURE - III

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUNDATTACHED TO AND FORMING PART OF UNAUDITED BALANCE SHEET AS AT MARCH 31, 2003

CURRENT ASSETS, LOANS AND ADVANCES


Rs. Rs.

DEPOSITS- For Premises 525,750.00 22,500.00- with Others - MTNL 33,760.00 35,340.00- with Electricity 19,400.00 -- For Fuel 4,000.00 -

TOTAL 582,910.00 57,840.00

LOANS & ADVANCES TO STAFF- Housing Loan to Staff 2,654,400.00 1,209,600.00- Loans to Staff for other purposes 1,622,057.88 756,092.88- Other Advances - Festival 141,283.00 56,261.00- Others - Advance for Travel 75,732.00 -- Interest Recoverable 176,070.00 -- Advance - others 108,652.00 -

TOTAL 4,778,194.88 2,021,953.88

AMOUNTS DUE FROM INSURANCE COMPANIES & OTHERS- Insurance Companies-[Indicates the amount due from State

Insurance Companies] 149,292.00 229,485.00- Agents - [Indicates the amount of expired cheques in hand

received from agents earlier] 37,900.00 343,813.00

TOTAL 187,192.00 573,298.00

OTHER CURRENT ASSETS- Expense Recoverable 230.00 425.00- Prepaid Expenses 236,732.00 346,195.00- Interest Accrued but not due - Bank deposits 31,006,111.48 19,100,399.00- Interest Accrued but not due - Staff Loans - 19,140.00- Advances on Capital Account - [For software development] 525,000.00 565,800.00- Advance to M/s Tarriff Advisory Committee 178,067.00 -

TOTAL 31,946,140.48 20,031,959.00

CASH AND BANK BALANCES- Cash in hand 19,870.00 18,998.00- Cheques in hand - -- Cash/ Cheque in transit - -- Balances with Scheduled Banks

(a) In Current Account 4,722,114.57 5,558,629.27(b) on Deposit Account - -

TOTAL 4,741,984.57 5,577,627.27

- Balance with Non Scheduled Bank(a) In Current Account - -(b) In Deposit Account - -

TOTAL - -


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ANNEXURE - IVTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND ATTACHEDTO AND FORMING PART OF UNAUDITED BALANCE SHEET AS AT MARCH 31, 2003


Rs. Rs.

Grant from Government of India - -

ANNEXURE - VTHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF BALANCE SHEET AS AT MARCH 31, 2003CONTINGENT LIABILITIES


Rs. Rs.

- -

ANNEXURE - VITHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF UNAUDITED INCOME AND EXPENDITUREACCOUNT FOR THE YEAR ENDED MARCH 31, 2003PAYMENT TO AND PROVISION FOR EMPLOYEES


Rs. Rs.

i) Salaries, Allowances, Wages and Bonus 10,906,438.00 4,833,336.00ii) Bonus - -iii) Contribution to Provident Fund, etc.

[including contribution to superannuationfund of Rs 1,673,413.00] 2,805,280.00 298,737.00

iv) Gratuity 267,070.00 210,148.00v) Staff Welfare Expenses 240,460.00 142,197.00vi) Others

-Book Grant - --Leave Travel Concession 113,710.00 14,045.00-Insurance - --Canteen Expenses - --Monetary Award - Studies - --Contribution to Group Insurance Scheme 66,555.00 21,770.00-Reimbursement of expenses incurred by Staff 366,720.00 169,426.00-Leave Salary 549,877.00 346,560.00

TOTAL 15,316,110.00 6,036,219.00


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ANNEXURE - VIITHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF UNAUDITED INCOME AND EXPENDITUREACCOUNT FOR THE YEAR ENDED MARCH 31, 2003

ESTABLISHMENT EXPENSESPARTICULARS Figures for the Figures for the


Repairs & Maintenance of Buildings & Premises 1,691,225.00 2,267,704.00House Keeping - Office Maintenance 1,280,620.00 825,542.00Repairs & Maintenance of Equipments - -Repairs and Maintenance - Others 179,319.00 23,075.00Electricity & water Expenses 687,314.00 803,258.00Insurance Expenses 81,030.00 15,300.00Rates and Taxes - -Printing and Stationery 1,642,539.00 690,481.00Books/Journals etc. 99,644.00 37,076.00Postage, Telegraphs, Telephones, etc. 1,755,004.45 1,210,860.27Travelling and Conveyance Inland 8,354,827.60 4,945,309.00Travel - Foreign 6,594,150.00 5,367,184.00Legal and Professional charges 3,797,364.00 1,440,279.00Education/Training/R&D/Grievances Redressal Expenses - -Audit Fees 89,450.00 99,520.00Software - -Publicity & Advertisement 1,295,406.00 2,062,541.00Recruitment - -Expenses of Meetings of Authority & Advisory Committee & Othermeeting expenses including daily allowances paidto the members of the Committee 880,528.00 195,685.00

Membership and Subscription 1,069,338.00 415,835.50Security Services 381,790.00 225,879.00Web Portal Development Expenses 509,508.00 564,300.00Canteen Expenses 320,825.00 143,523.00Car Repair and Maintenance Expenses 91,916.00 52,560.00Other Expenses 301,840.00 188,934.00

TOTAL 31,103,638.05 21,574,845.77

ANNEXURE - VIIITHE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND

ATTACHED TO AND FORMING PART OF UNAUDITED INCOME AND EXPENDITUREACCOUNT FOR THE YEAR ENDED MARCH 31, 2003

INTERESTPARTICULARS Figures for the Figures for the


Government - -

Banks - -

Others - -

TOT A L -


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ANNEXURE - IX

THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY FUND ACCOUNT

NOTES TO THE FINANCIAL STATEMENTS

[Unless otherwise specified, all amounts are in rupees]

1. BACKGROUND

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (The Authority) was establishedby an Act of Parliament-Insurance Regulatory & Development Authority Act, 1999 (Act)- and was constitutedon April 19, 2000 by a notification issued in the Gazette of India. The Authority was established witha view to protecting the interests of the holders of insurance policies, to regulate, promote and ensureorderly growth of the insurance industry and for matters connected therewith or incidental thereto, issueto the applicant a certificate of registration, renew, modify, withdraw, suspend or cancel registration,and levy fees and other charges for carrying out the purposes of the Act. The Authority, in terms ofsection 13 of the Act has been vested with the assets and liabilities of the Interim Insurance RegulatoryAuthority as are available on the appointed day i.e. April 19, 2000. In terms of section 16 of theAct a fund shall be constituted namely �The Insurance Regulatory and Development Authority Fund�[Fund]. The Fund shall constitute of all Government grants, fees and charges received by the Authority,all sums received by the Authority from such other source as may be decided upon by the CentralGovernment and the percentage of prescribed premium income received from the insurer. The Fundshall be applied for meeting the salaries, allowances and other remuneration of the members, officersand other employees of the Authority and the other expenses of the Authority in connection with dischargeof its functions and for the purposes of the Act.

2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The financial statements are prepared under the historical cost convention, on the accrual basis ofaccounting save for revenue recognition on cash basis as explained hereunder, and in accordancewith the applicable standards on accounting issued by the Institute of Chartered Accountants of India.The significant accounting policies are as follows:

(a) Fixed assets and depreciation

Fixed assets are stated at cost less accumulated depreciation. Depreciation on fixed assets is providedpro-rata to the period of use of on reducing balance method using rates determined based onthe rates specified in Schedule XIV to the Companies Act, 1956. Assets costing less than 5,000have been depreciated 100% in the year of purchase unless the assets constitutes more than10% of the respective block, in which case the assets is depreciated at the rates specified inthe said Schedule XIV.

(b) Investments

Investments of the nature of fixed deposits with banks are stated at cost.


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(c) Revenues

(i) Registration Fees

(a) Received from insurer seeking for the first time, registration for carrying on any classof insurance business in India, are treated as income of the year of receipt.

(b) Received in advance from existing insurers for renewal of registration already grantedare treated as income of the year to which they relate.

(ii) License Fees

License fees received from insurance agents, surveyors, brokers and other insurance intermediariesare treated as income of the year in which it is received. License issued to insurance agents,surveyors, brokers and other insurance intermediaries are current for those years from dateof issue and subject to renewal at the end of their currency. It is not practicable to distributethe License fees over the years to which they relate.

(iii) Grant from Ministry of Finance, Government of IndiaInitial Grant received has been treated as income of the year in which it is received.

(d) Foreign Currency transactionNon-monetary foreign currency transactions are recorded at rates of exchange prevailing on thedates of the transactions. Monetary foreign currency assets and liabilities are translated into rupeesat the rates of exchange prevailing on the balance sheet date. The differences in translation offoreign currency liabilities related to the acquisition of fixed assets are adjusted in the carryingvalue of fixed assets. Other translation differences are reflected in the Income and ExpenditureAccount.

(e) Web Portal Development and MaintenanceExpenses incurred on Web Portal Development and Maintenance is charged to the Income andExpenditure Account in the year of incurrence.

(f) Retirement benefitsRetirement benefits to employees comprise contribution to provident fund, gratuity fund, superannuationfund and provision of leave encashment, which are provided in accordance with the Regulationsmade under the Act.

Leave encashment is provided for at the current encashable salary for the entire unavailed leavebalances.

The Authority contributes to IRDA Employees Fund and IRDA Superannuation Fund trust.

The liability for gratuity is determined based on actuarial valuation, in accordance with gratuityscheme framed by the Authority.

3. INCOME-TAX

No income tax provision has been made in view of income of the Authority being exempt under section10 (23BBE) of the Income tax Act, 1961.

4. EMPLOYEES PROVIDENT FUND AND SUPERANNUATION FUND

The Authority during the year established two trusts with effect from April19, 2000 styled as �IRDAEmployees Provident Fund� and �IRDA Superannuation Fund� for the benefit of its officers and otheremployees. The aggregate contribution by the Authority and the employees towards Provident Fund


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including the differential amount at enhanced rate of 12% [1,75,092], lying inter-alia as earmarkedfixed deposits has been remitted to the trust. In addition, the Authority contributed a sum of 1,673,413towards Superannuation liability for the period April 19, 2000 till March 31, 2003 [including 642,279for the period April 19, 2000 till March 31, 2002]

5. REGISTRATION/RENEWAL FEES

(A) In pursuance of Authority�s decision to scale down the levy of renewal fees for registration ofthe insurers to 0.1% of the gross premium from 0.2% of the gross premium, retrospectively forthe financial years with effect from April 01, 2001, the income for the year has been accordinglyaccounted for. Also, an amount of 89,351,763 earlier accounted for as income in the year2001-02 has been provided and shown as deduction from the excess of income over expenditurefor the year and the resulting excess of expenditure over income carried to Balance Sheet.

(B) The renewal fees from State Insurance agencies have not been accounted for in the absenceof information of gross insurance premium.

(C) In the absence of agent wise accounting of license fee, the amount deposited in excess of therecoverable license fee of 135,850 [based on licenses issued during the year] has been treatedas license fee income.

6. DEPOSIT OF FUNDS OF THE AUTHORITY INTO PUBLIC ACCOUNT OF INDIA

The Authority has received a letter from Ministry of Finance, Department of Economic Affairs datedJuly 17, 2002 directing the Authority to deposit the moneys so far collected by the Authority in thePublic Account of India as non-interest bearing account and allowing the Authority to withdraw a specifiedamount in the beginning of each year from the said Public Account for meeting its expenditure. TheAuthority is seeking review of the direction received, as in its view the funds raised by it from theinsurers and the intermediaries do not have the character of Government Revenue and cannot formpart of the Public Fund of India, which position is in accord with the legal opinion obtained by theAuthority. The Authority is pursuing the issue with the Government of India and the matter is pendingresolution.

7. HEADQUARTERS OF THE AUTHORITY

The Authority, in pursuance of the decision taken by the Government of India in November, 2001to shift the Headquarters of the Authority from New Delhi to Hyderabad, shifted the actuarial departmentin April, 2002 and the other departments in August 2002. The office of the Authority is located inParisrama Bhavanam where a portion of the third floor has been given to it free of rent by AndhraPradesh Industrial Development Corporation Limited [APIDC].

The Government of Andhra Pradesh through A.P. Industrial Infrastructure Corporation Limited [APIDC]has allotted a plot of five acre land in the financial district at Nanakramguda Village, SerilingampallyMandal, RR Distrcit, Hyderabad free of cost, possession whereof is yet to be taken.

8. PROMOTIONAL EXPENDITURE

The Authority caused through government media a special campaign for the promotion of insuranceawareness, education and for the general development at a cost of 120,115,000.


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9. CONTRIBUTION TO INSTITUTE OF INSURANCE AND RISK MANAGEMENT

The Authority has jointly promoted the setting up of the Institute of Insurance and Risk Management[the Institute], which will carry out research on insurance and risk management with the Governmentof Andhra Pradesh, with the latter contributing by provision of the land for the Institute. The Institutewill function as a research arm of the Authority. The Authority during the year contributed a sum of10,000,000 for meeting the recurring costs for conducting seminars etc. and included under promotionalexpenditure. The Authority has also contributed 100,000,000 in November 2002 to constitute anendowment for 80,000,000 and the balance to meet for construction of building and infrastructureof the Institute�s premises and charged as Development Expenditure. An endowment deed has sincebeen signed between the parties and the trustees to the endowment deed have been nominated.

10. OPERATING LEASES

There are no non-cancelable lease arrangements. The lease payments are made in accordance withlease agreements.

The Authority is in occupation of premises at Hyderabad at free of rent but is obliged to hand overthe premises on a �as is where is basis� to Andhra Pradesh Industrial Development Corporation Limitedupon vacation. The lease payments in respect of other premises recognised in the income and expenditureaccount is 6,837,332 [Previous year 8,673,118].

11. ADVANCE FOR SOFTWARE DEVELOPMENT

The Authority during the year 2001-02 paid a sum of 525,000 being 30% of agreed sum of 1,750,000for developing a computerised system. Pending, the complete development of compatible computerisedsystem for the monitoring of insurers, neither adjustment of above advance nor any further provisionduring the year has been made.

12. PRIOR YEAR COMPARATIVES

Previous year figures have been regrouped, wherever considered necessary to make them comparablewith the current year�s figures.

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i fjn `';izkfèkdj.k ds xBu ds lkFk izkjaHk dh xbZ lqèkkj dh izfØ;kfuckZèk jgh gS vkSj blus fu;af=kr ,dkfèkdkj dks lekIr djdsmnkjhÑr vkSj [kqyh chek dkjckj ifjfLFkfr LFkkfir djus okysjpukRed varj.k dks lqdj cuk;k gSA blus ifCyd lsDVjchek daifu;ksa ds dkS'ky dks] futh chekdÙkkZvksa ds] ftUgksausthou vkSj xSj&thou] nksuksa {ks=kksa esa fons'kh la;qDr Hkkxhnkjksa dslkFk lg;ksx ls lafØ;k,a LFkkfir dh gSa] dkS'ky ds lkFkla;qDr fd;k gSA bl izfØ;k us xzkgdksa dh vko';drkvksa dksiwjk djus ds fy, fofufnZ"V :i ls rS;kj fd, x, chek mRiknksaesa fofHkUu izdkj dh uohurkvksa dks c<+kok fn;k gSA bl varj.kdk] fo'ks"kdj chek miHkksDrkvksa us vkSj m|ksx ds fofHkUui.kèkkfj;ksa us Lokxr fd;k gSA

thou chekdÙkk Z %

foÙkh; o"kZ 2002&03 ds nkSjku thou chedÙkkZvksa us55738-11 djksM+ #i, izhfe;e fuEukafdr fd;k gS] tks iwoZo"kZ dk 50094-44 djksM+ #i, ds izhfe;e ls 11-27 izfr'krvfèkd gSA blls iwoZ o"kZ 2001&02 esa thou chekdÙkkZvksa }kjkfuEukafdr dkjckj esa 43-54 izfr'kr o`f¼ gqbZ FkhA ,y vkbZ lhdk o"kZ 2001&02 vkSj o"kZ 2002&03 esa thou {ks=k esafuEukafdr izFke o"kZ izhfe;e (,dy izhfe;e lfgr) dkjckjesa va'k Øe'k% 98-65 vkSj 94-34 izfr'kr FkkA ,y vkbZ lh usdqy feykdj] thou chekdÙkkZvksa }kjk o"kZ 2002&03 esafuEukafdr izhfe;e dk 98-01 izfr'kr izkIr fd;k Fkk] tcfdo"kZ 2001&02 esa ;g 99-46 izfr'kr FkkA rn~uqlkj] futhdaifu;ksa dk va'k] tks o"kZ 2001&02 esa 0-54 izfr'kr Fkk] o"kZ2002&03 esa c<+dj 1-99 izfr'kr gks x;kA

pkyw foÙkh; o"kZ dh izFke Nekgh ds fy, miyCèk vkadM+ksa dsvuqlkj] chekdÙkkZvksa us 5435-96 djksM+ #i, dk izFke o"kZizhfe;e fuEukafdr fd;k FkkA foÙkh; o"kZ dh izFke Nekgh dsnkSjku fuEukafdr izhfe;e vkSj ikfyfl;ksa esa ,y vkbZ lh dkcktkj va'k Øe'k% 4840-62 djksM+ #i, (89-05%) vkSj8241776 (94-32%) FkkA ogha ckjg futh daifu;ksa us 496248

1

okf"kZd fjiksVZANNUAL REPORT2002-2003

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ikfyfl;ka (5-68%) ds fy, 595-34 djksM+ #i, fuEukafdr

fd,A

xSj&thou chekdÙkkZ %lkèkkj.k chek m|ksx esa vusd ,sls egRoiw.kZ ifjorZu gq,]

ftudk izHkko vkus okys o"kks± esa m|ksx ds fodkl ij iM+sxkA

ifCyd lsDVj xSj&thou chekdÙkkZvksa dks mUgsa izfrèkkfjr djus

okyh daiuh Hkkjrh; lkèkkj.k chek fuxe ls vyx djds lqèkkj

izfØ;k dks xfr'khy cuk;k x;k FkkA blds vfrfjDr] th vkbZ lh

us] ftls jk"Vªh; iqu%chekdÙkkZ ds :i esa vfèklwfpr fd;k x;k

Fkk] izR;{k dkjckj fuEukafdr djuk can dj fn;k gSA bl o"kZ]

ns'k esa iQly chek vkSj vU; lac¼ chek dkjckj fuEukafdr

djus ds fy, Hkkjrh; Ñf"k chek daiuh fy- dh LFkkiuk dh

xbZ FkhA bl izdkj foÙkh; o"kZ 2003&04 esa iQly chek

dkjckj bl ubZ daiuh dks gLrkarfjr fd;k tk,xkA

jk"Vªh; iqu%chekdÙkkZ ds :i esa vius u, vorkj ds :i esa]

th vkbZ lh us thou iqu%chek dkjckj ds {ks=k esa iSj iSQykuk

vkjaHk dj fn;k gSA fuxe foÙkh;@½.k iqu%chek ds {ks=k esa Hkh

dkjckj djuk vkjaHk dj jgk gSA th vkbZ lh vuqdwy vkSj

dkjckj lacaèkh le>kSrksa }kjk varjjk"Vªh; cktkjksa] fo'ks"kdj

vÚks&,f'k;kbZ ns'kksa esa viuh mifLFkr eglwl djkus ds mís';

ls iz;kl dj jgh gSA rFkkfi] m|ksx esa LFkkfir cgqjk"Vªh;

nykyksa ds vk tkus ls pqukSfr;ka Hkh gSa&;s vfLrRo varjjk"Vªh;

iqu%chek dkjckj ds fy, vius laidks± dk mi;ksx djsaxsA

foÙkh; o"kZ 2002&03 ds nkSjku xSj&thou chekdÙkkZvksa }kjk

15614-85 djksM+ #i, dk dqy izhfe;e fuEukafdr fd;k x;k

Fkk] ftlds varxZr th vkbZ lh }kjk fuEukafdr iQly chek Hkh

gS ;g iwoZ o"kZ dh rqyuk esa 23 izfr'kr vfèkd FkkA xSj&thou

[kaM esa ifCyd lsDVj chekdÙkkZvksa ds foÙkh; o"kZ 2001&02

vkSj 2002&03 ds nkSjku va'k Øe'k% 96-32 vkSj 91-36

izfr'kr FkkA foÙkh; o"kZ 2002&03 esa vkB futh daifu;ksa dk

va'k 8-64 izfr'kr Fkk] tcfd iwoZ o"kZ esa N% futh daifu;ksa

dk va'k ek=k 3-68 izfr'kr FkkA

pkyw foÙkh; o"kZ] 2003&04 ds igys N% eklksa ds nkSjku

xSj&thou chekdÙkkZvksa us dqy 8081-06 djksM+ #i, dk

izhfe;e fuEukafdr fd;k Fkk] tks iwoZ o"kZ dh izFke Nekgh ds

7169-88 djksM+ #i, ds izhfe;e ls 12-71 izfr'kr vfèkd

FkkA ifCyd lsDVj chekdÙkkZvksa us 6973-78 djksM+ #i, dk

izhfe;e fuEukafdr djds iwoZ o"kZ dh rRleku vofèk dh

rqyuk esa 6-03% (6576-87 djksM+ #i,) dh of¼ ntZ dh]

blds foijhr futh chekdÙkkZvksa us 1107-27 djksM+ #i, dk

izhfe;e fuEukafdr fd;k] vFkkZr iwoZ o"kZ dh rRleku vofèk dh

rqyuk esa 86-72% (593-01 djksM+ #i,) dh of¼ ntZ dhA

vkt chek m|ksx vkradokn] iqu%chek njksa esa of¼] tSlh

vusd pqukSfr;ksa dk lkeuk dj jgk gS] vkSj eq[;r% vkewy :i

ls ifjofrZr oSf'od tksf[ke ifjfLFkfr;ksa esa Lo;a dks vuqdwy

cukus dh ps"Vk dj jgk gSA blds lkFk gh fiNys dqN o"kks± esa

de gksrh fuos'k vk; vkSj fuEu C;kt njksa us chekdÙkkZvksa ds

ykHkksa ij izHkko Mkyk gSA vPNh ckr ;g gS fd fuEu eqnzkLiQhfr

nj us nkoksa vkSj izpkyu ykxrksa dks fu;a=k.k esa j[kk gSA blds

vfrfjDr o"kZ 2002&03 esa dksbZ vkfFkZd@izkÑfrd vkink Hkh

ugha vkbZA gkykafd ubZ daifu;ksa dks] tks vius izpkyuksa ds

izkjafHkd nkSj eas gSa] [kaM ds ykHk eas lg;ksxh cuus esa vHkh

le; yxsxkA foÙkh; o"kZ ds nkSjku ifjfLFkfr;ka ykHk ds fy,

lg;ksxh cuh jghaA blds lkFk&lkFk fo|eku ifCyd lsDVj

chekdÙkkZvksa us Hkh cnyrh izfr;ksxh cktkj ifjfLFkfr;ksa esa

viuh fLFkfr dks etcwr djus ds fy, mik, fd, gSaA

eè;oÙkZu dh izfØ;k %lqèkkj izfØ;k ds ifj.kkeLo:i] fuxe vfHkÑÙkkZ i¼fr vkjaHk

gksus ds lkFk O;f"V vfHkdÙkkZvksa dh la[;k esa Hkh of¼ gqbZ gSA

31 ekpZ] 2003 dks izkfèkdj.k esa jftLVªhÑr u, vfHkdÙkkZvksa

dh la[;k 5]99]708 Fkh] ftuesa ls 1151 fuxe vfHkdÙkkZ FksA

;s mu 514]426 vfHkdÙkkZvksa ds vfrfjDr gSa] ftudh vuqKfIr;ka

uohÑr dh xbZ gSaA izkfèkdj.k us m|ksx esa chek nykyksa dh

voèkkj.kk dks vkjaHk fd;k gSµos viuh fof'k"V chek tkudkjh]

n{krk vkSj chek leqnk; ds izfr lsokvksa ds lkFk chekÑr

O;fDr;ksa ds fgrksa dk izfrfufèkRo djrs gSaA 31 ekpZ] 2003 rd

40 nykyksa dks vuqKfIr;ka tkjh dh xbZ FkhA vDVwcj] 2003

rd 125 nykyh vuqKfIr;ka tkjh dh xbZ gSa] ftuesa ls 102

izR;{k gSa] 19 fefJr vkSj 3 iqu%chek nyky gSaA blls iwoZ


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izkfèkdj.k us] chekdÙkkZvksa }kjk foØ; dh xbZ LokLF; chek

lafonkvksa esa] chekdÙkkZvksa dks izHkkoh lsok miyCèk djkus esa

lgk;rk nsus ds fy, chek eè;ofrZ;ksa ds ,d vU; oxZ] vFkkZr~

rhljk i{kdkj iz'kkld (LokLF;) vkjaHk fd;k FkkA bl le;

izkfèkdj.k ds ikl 23 vuqKkr Vhih, gSaA

mnkjhdj.k ls iwoZ ;Fkk fo|eku chek losZ{kdksa vkSj gkfu

fuèkkZjdksa dh i¼fr esa vusd ,slh dfe;ka Fkha] tks fpark dk

fo"k; FkhaA izkfèkdj.k dh igy ij losZ{kdksa vkSj gkfu fuèkkZjdksa

dk oxhZdj.k fd;k x;k FkkA ;g ifjdYiuk dh xbZ Fkh fd

vgZÙkk vkSj vuqHko ds vkèkkj ij Øec¼ :ijs[kk ij fd;k

x;k oxhZdj.k bu ofÙk;ksa dks chek m|ksx dh vfèkd izHkkoh

vkSj ofÙkd jhfr esa lsok djus esa leFkZ cuk,xkA losZ{kdksa vkSj

gkfu fuèkkZjdksa ds fy, ,d laLFkku dk laoèkZu djus dh

vko';drk dh leh{kk djus ds fopkj ls U;w bafM;k ,';ksjsal

da- fy- ds iwoZ vè;{k Jh ds-,u- HkaMkjh dh vè;{krk ds

vèkhu ljdkj us ,d lfefr dk xBu fd;k FkkA lfefr us

viuh fjiksVZ ns nh gSA ljdkj] izkfèkdj.k dh bl jk; dh

i{kèkj gS fd losZ{kdksa vkSj gkfu fuèkkZjdksa ds ,d laLFkku dk

laoèkZu fd;k tk,] tks Hkkjrh; daiuh lfpo laLFkku vkSj

Hkkjrh; pkVZMZ vdkmaVsaV laLFkku tSls ofÙkd fudk;ksa dh Hkkafr

,d Lo%foÙkiksf"kr vkSj Lo%fofu;fer Lok;Ùkrk izkIr fudk;

gksxkA ;g izLrko fd;k x;k gS fd ;g laLFkku vius lnL;ksa

ds fy, lafu;e vkSj ekud LFkkfir djsxk] ijh{kkvksa dk

lapkyu djsxk] 'kSf{kd ikB~;Øe vkSj vuqlaèkku pyk,xk vkSj

vkpkj lafgrk dk izorZu djsxkA izkjaHk esa izkfèkdj.k laLFkku dk

laoèkZu djsxk vkSj bldh lafØ;kvksa ds iqufoZyksdu ds vkèkkj

ij laLFkku ds dkuwuh gSfl;r iznku djus dk fofu'p; fd;k

tk,xkA lfefr dh fliQkfj'ksa leh{kkèkhu gSaA

chekadu ofÙk %

fiNys dqN o"kks± esa] fo'ks"kdj chek m|ksx ds mnkjhdj.k ds

i'pkr~ chekaddksa dh Hkwfedk esa of¼ gqbZ gSA chekadu ofÙk

,d ,sls :i eas lkeus vkbZ gS] tks fo'o Hkj esa chekdÙkkZvksa

dks] tksf[ke ds ykHkizn ewY; fuèkkZj.k] fuxe uhfr vkSj uohu

chek mRikn vkjaHk djus esa ,d izfr;ksxh Js"Brk iznku djrh

gSA blds vfrfjDr] bl ofÙk esa vfHktkr iqufoZyksdu ds

fucaèkuksa esa fodkl gqvk gS] ftlesa chekaddksa us ,d&nwljs ds

dk;ks± ds ewY;kadu vkSj ml ij fVIif.k;ka djus dh ,dLokLF; ifjikVh dks fodflr fd;k gSA ,sls O;ogkj vPNsofÙkd ekudksa dh LFkkiuk esa lgk;rk djsaxsA Hkkjrh; chekafddlkslk;Vh us Hkh ofÙk ds fodkl ds fy, vkSj fn'kkfunsZ'k fVIi.ktkjh djds O;ogkjksa dk ekudhdj.k djus ds iz;kl fd, gSaAfoèkk;h {ks=k esa] ofÙk dks dkuwuh ifjfLFkfr iznku djus okys,d foèks;d ij fopkj fd;k tk jgk gSA izkfèkdj.k us igys ghmDr foèks;d ds izk:i ij viuh Vhdk&fVIif.k;ksa dks Hkstfn;k gS vkSj ;g vk'kk dh tkrh gS fd foèks;d ij 'kh?kz ghfopkj fd;k tk,xkA

rhu o"kZ igys vkjaHk dh xbZ lqèkkj izfØ;k dh dqN miyfCèk;kajgh gSaA mnkjhdj.k dh izfØ;k ls izfr;ksfxrk dks c<+kok feykgS] xzkgd dks vfèkd pquko miyCèk djk, x, gSa] chekfØ;kdykiksa ds fy, uohu ekxZ vkSj mik; vkjaHk gq, gSa]m|ksx esa n{krk dk Lrj c<+k gS] ?kuRo vkSj igqap ds fucaèkuksaesa chek dk {ks=k foLr`r gqvk gS] chekdÙkkZ xzkeh.k vkSjlkekftd {ks=kksa dh vko';drk ds fy, lsok,a miyCèk djusds fy, vkc¼ gq, gSa vkSj chek dh vko';drk ds izfrtkx#drk c<+h gSA rFkkfi] vHkh rd dh miyfCèk;ksa dks chek{ks=k dh n{krk esa lqèkkj ykus ds fy, lh<+h cuk, tkus dhvko';drk gS] ftlls fd ykxrksa dks ?kVkdj ns'k Hkj esa chekdh igqap esa of¼ gksA m|ksx dks fey jgh iz'kalk ls larq"V ughagks tkuk pkfg,A

foèkk;h <kap s dk iqufoZyksdu %izkfèkdj.k }kjk] Hkkjr ds fofèk vk;ksx dks chek vfèkfu;e]1938 dks iqufoZyksdu djus dk vuqjksèk fd, tkus dh chekm|ksx esa O;kid iz'kalk gqbZ gSA fofèk vk;ksx }kjk tkjh ijke'kZi=k dk vusd {ks=kksa esa Lokxr gqvk gS vkSj bl ij VhdkfVIif.k;ka Hkh izkIr gqbZ gSa] ftuls ljdkj vkSj m|ksx dks blckr ij O;kid er cukus esa lgk;rk feysxh fd chek lacaèkhfoèkkuksa dks laln ds ,dy vfèkfu;e esa lafgrkc¼ fd;ktk,] ftlesa foèkk;h 'kfDr;ka Hkkjr ljdkj ds ikl gksa vkSjchek m|ksx ds ofÙkd i;Zos{k.k vkSj fodkl ds fy, fofu;kedra=k izkfèkdj.k esa fufgr gksA

fofèk vk;ksx dh fliQkfj'ksa eq[;r% ch-fo-fo-izk- vfèkfu;e dsmicaèkksa dks chek vfèkfu;e] 1938 (vfèkfu;e) esa lfEefyrdjus] ftlls fd foèkkuksa dh cgqyrk ls cpk tk ldsa] chek


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m|ksx dh orZeku vko';drkvksa dks iwjk djus ds fy, vfèkfu;eds micaèkksa dks la'kksfèkr vkSj v|ru djus_ fdlh fof'k"Vfo"k;@oLrq ls lacafèkr fofHkUu micaèkksa dks] tks vfèkfu;e dhfHkUu&fHkUu èkkjkvksa esa varfoZ"V gSa] ,d ewy micaèk eas j[kdjlaxr cukus_ dfri; èkkjkvksa dh] muesa vLi"Vrk dks lekIrdjus vkSj mUgsa vkSj vfèkd fofufnZ"V rFkk Li"V cukus ds fy,iqu%lajpuk djuk rFkk dfri; inksa dks] ftUgsa fo|eku foèkkuesa lqèkkj dh izfØ;k esa ifjHkkf"kr djuk visf{kr gS]ifjHkkf"kr@iqu%ifjHkkf"kr djus ls lacafèkr eqíksa ls tqM+h gSaAvk;ksx us ,d laiw.kZ f'kdk;r lekèkku ra=k dh vkSj vfèkfu;eds vèkhu mn~x`ghr fd, tkus okys tqekZuksa vkSj 'kkfLr;ksa dhlhek c<+k, tkus dh vko';drk ij cy fn;k gS] ftlls fdfofu;ked ra=k esa i;kZIr var%fufeZr fuokj.k dks lqfuf'prfd;k tk ldsA

V SfjiQ vkSj xSj&V SfjiQ [kaMksa dh iqu%leh{kk %chekdÙkkZvksa }kjk lkèkkj.k chek dkjckj esa fdlh tksf[ke ;kfdlh oxZ vFkok izoxZ ds tksf[keksa dh ckcr izLrkfor dhtkus okyh njksa] iQk;nksa] 'krks± rFkk fucaèkuksa dks fu;af=kr vkSjfofu;fer djus ds fy, chek vfèkfu;e] 1938 dk la'kksèkudjds (twu] 1969 ls izHkkoh) VSfjiQ lykgdkj lfefr (Vh,lh)dh LFkkiuk dh xbZ FkhA izkfèkdj.k dk vè;{k Vh,lh dk insuvè;{k gSA orZeku esa Vh,lh lkèkkj.k chek dkjckj ds dfri;fofufnZ"V [kaMksa dh ckcr VSfjiQ iz'kkflr dj jgh gSA lkèkkj.kchek dkjckj ds vU; lHkh [kaM xSj&VSfjiQ gSa vkSj mudh njsa]iQk;nsa] fucaèku vkSj 'krs± chekdÙkkZvksa }kjk muds vius ewY;fuèkkZj.k vkSj fuEukadu n'kZu ds vuqlkj voèkkfjr dh tkrh gSAxSj&VSfjiQ mRiknksa dks chek mRiknksa }kjk izkfèkdj.k dks iQkbyvkSj mi;ksx izfØ;k ds vèkhu iQkby fd;k tkrk gSA foÙkh;o"kZ 2002&03 ds fy, chekdÙkkZvksa }kjk izLrqr vkadM+ksa dsvuqlkj xSj&thou [kaM esa fuEukafdr ldy izR;{k izhfe;e esaxSj&VSfjiQ dkjckj dk va'k 25 izfr'kr gSA

m|ksx esa chekdÙkkZvksa }kjk nj esa dVkSrh vkSj VSfjiQ ds mYya?kuds fjiksVZ fd, x, ekeyksa dks ns[krs gq, ,d er ;g gS fdcktkj esa bl dnkpkj dks jksdus ds fy, xSj&thou chekdkjckj dk VSfjiQ lekIr djuk ,d laHkkO; mipkj gSA VSfjiQlekIr djus ls] ,sls miHkksDrkvksa dh rqyuk esa] ftudh vkfLr;kagkfu laHkkO; gSa] mu miHkksDrkvksa dh lsok vko';drkvksa dh

iwfrZ gksxh] ftuds tksf[keksa dk izcaèk csgrj gS vkSj ftuds fy,

izfr vkfFkZd lgk;rk dh vis{kk gksrh gS u fd iwoZrj dh Hkkafr]

ftuds fy, yksfMax visf{kr gksrh gSA VSfjiQ] izfr;ksfxrk dh

ifjfèk dks de djrs gSa] cktkj dks vuE; cukrs gSa] chek

miHkksDrkvksa dh cnyrh vko';drkvksa ds izfr vudwyu'khyrk

esa deh ykrs gSa] vkSj cktkj esa uohurk dk vHkko mRiUu djrs

gSaA var esa fdarq vU;ksa dh Hkkafr gh egRoiw.kZ VSfjiQ lekIr

djus dh izfØ;k ls m|ksx dks mRiknksa dk ewY; fuèkkZj.k djrs

le; nkoksa vkSj izhfe;eksa ds vkadM+ksa dks mi;ksx djus dks

c<+kok feysxkA

izfr;ksxh ifjfLFkfr;ksa esa chekdÙkkZ nh?kZdkfyd j.kuhfr;ka viukus

dks ckè; gksaxsaA ;g è;ku fnyk;k tk ldrk gS fd eYgks=kk

lfefr us Hkh izfr;ksfxrk dk laoèkZu djus vkSj fuEukadu

dkS'ky esa lqèkkj djus ds fy, VSfjiQ dks dqN oxks± rd lhfer

j[kus ds mís'; ls izxfr'khy :i ls VSfjiQ lekIr djus dh

fliQkfj'k dh FkhA vHkh gky gh esa] jaxjktu lhfer us ftls

vDVwcj] 2002 esa eksVj chek ds lacaèk esa xfBr fd;k x;k Fkk]

,d izfr;ksxh izhfe;e fu;ru vkn'kZ ds vèkhu eksVj {ks=k ds

Lo {kfr dkjckj esa] ifjorZu ds fy, le; lwph ds lkFk VSfjiQ

lekIr djus dh fliQkfj'k dh gSA

vizSy] 2005 ls eksVj Lo {kfr Hkkx esa VSfjiQ lekIr djus ds

fofu'p; ds vkèkkj ij th vkbZ lh ds iwoZ vè;{k Jh ,l-oh-

eksuh dh vè;{krk esa ,d lfefr dk xBu fd;k x;k gS]

ftlesa lnL;ksa ds :i esa] futh vkSj ifCyd lsDVj ds

chekdÙkkZvksa dks vkSj fofuekZrkvksa rFkk ifjogu ea=kky; ls

izfrfufèk fy, x, gSa] tks eksVj ,oa {kfr esa VSfjiQ lekIr djus

ds fy, viukbZ tkus okyh j.kuhfr rS;kj djsaxsA ,d vU;

egRoiw.kZ ?kVuk esa] izkfèkdj.k }kjk th-,-lh- eq[kthZ dh vè;{krk

esa xfBr fo'ks"kK lfefr us ;g fliQkfj'k dh gS fd vizSy]

2006 ds i'pkr nks o"kZ dh vofèk ds fy, 'kq¼ tksf[ke

izhfe;e vkèkkj ij VSfjiQ viukus dh lykg nh FkhA eqDr ewY;

fu;ru dks cktkj esa ykus dh izfØ;k ds lkFk chekdÙkkZvksa dks

foosdiw.kZ fuEukadu O;ogkjksa dks viukuk gksxk] chek nykyksa

dh rduhdh {kerkvksa esa of¼ djuh gksxh vkSj miHkksDrkvksa

dks mu laHkkfor iQk;nksa ds izfr tkx:d cukuk gksxk] tks

VSfjiQ lekIr gksus ls mudks fey ldsaxsaA


3rd

jh

8

rhljk i{kdkj nkf;RoµeksVj chek %

eksVj ;ku vfèkfu;e] 1988 ds micaèkksa ds vèkhu Hkkjrh;

lM+dksa ij pyus okys lHkh jftLVªhdj.k nkoksa ds fy, rhljk

i{kdkj eksVj chek vfuok;Z gSA vfèkfu;e ds micaèk vis{kk

djrs gSa fd fdlh lkoZtfud LFkku esa izR;sd eksVj ;ku dk

rhljk i{kdkj tksf[ke ds izfr chek gksuk pkfg,A bu micaèkksa

ds ihNs earO; ;g gS fd ;ku ds pkyd@ekfyd dh foÙkh;

fLFkfr ds ckotwn Hkh chekdÙkkZvksa }kjk {kfr;ksa ds lank; dk

,d vkarfjd ra=k gksA vfèkfu;e dh èkkjk 147 nkf;Ro dh

lhek vfèkdfFkr djrh gSA tgka rhljs i{kdkj dh laifÙk dks

{kfr dh ckcr nkf;Ro lhfer gS] ogha ;g fdlh eksVj nq?kZVuk

ds f'kdkj O;fDr dks rhljk i{kdkj 'kkjhfjd pksV ds lacaèk esa

vlhfer gSA U;k;ky;ksa us eksVj okgu nq?kZVukvksa ds ekeys esa

izfrdkj ds lank; esa mnkj #[k viuk;k gSA loksZPp U;k;ky;

us ,d ekeys esa ;g Li"V laizs{k.k fd;k gS fd ek=kk dks

mUeqDr :i ls voèkkfjr fd;k tkuk pkfg, u fd datwlh ls

D;ksafd fdlh Lora=k ns'k esa fofèk dh n`f"V eas thou vkSj vax

cgqewY; gSaA vFkZ'kkL=k ds lanHkZ eas] chek m|ksx ds fy, blds

ifj.kke egRoiw.kZ gSa D;ksafd ;g foÙkh; gkfu dh izfriwfrZ ds

vkSj chekÑr jkf'k ds lacaèk esa ,slh gkfu ds tksf[ke dks

U;wure djus ds vkèkkjHkwr fl¼kar ds fo#¼ gSA chekdÙkkZvksa

}kjk izLrqr dkjckj ds vkadM+ksa ls ;g irk pyrk gS fd mixr

nkoksa dk vfèkd Hkkx rhljk i{kdkj nkoksa ds lanHkZ esa gS vkSj

;g YkkHk dks de djrk gSA ;|fi bl fof'k"V [kaM esa] tks

Li"V :i ls vkfFkZd lgk;rk gS] izhfe;e dh deh dh iwfrZ ds

fy, vusd fodYiksa dk lq>ko fn;k x;k gS vkSj leh{kk dh

xbZ gSA

jaxjktu lfefr us eksVj fuEukadu ds fofHkUu igyqvksa dh

leh{kk djrs gq, eksVj rhljk i{kdkj nkf;Ro ij Hkh fopkj

fd;k gS vkSj ;g fliQkfj'k dh gS fd rhljk i{kdkj nkf;Ro

chek dkjckj dks djarhu fd;k tk, vkSj mDr dkjckj ds fy,

chekdÙkkZvksa dh cfg;ksa esa i`Fkd ys[kk j[kk tk,] D;ksafd blls

rhljk i{kdkj iksVZiQksfy;ks dh ykHknk;drk ;k vU;Fkk dk

fo'ys"k.k lqdj cusxkA lfefr us] ljdkj dks eksVj ;ku

nq?kZVukvksa ds fy, rhljs i{kdkj nkf;Ro dh dkuwuh ckè;rk dk

iqufoZyksdu djus ds fy, gS] ftlls fd ml ij fu;a=k.k fd;k

tk lds] fo'ks"k :i ;s tc rd rhljk i{kdkj izhfe;e VSfjiQ

ls ;qDr gS] ftlds izfr chekdÙkkZ dk nkf;Ro vlhfer gSA

chek {ks=k esa Lor% fofu;ked ra=k dks lqn<+djuk%

fo'o Hkj eas fofu;ked ra=k] fofu;fer vfLrRoksa ds Hkhrj

fuxe 'kklu ds fy, ra=k cukus ds fy, vxzlj gSaA fuos'k

lfefr] vkarfjd laijh{kk lfefr] la;qDr dkuwuh ys[kkijh{kd]

ftls fofufnZ"V vofèk ds fy, fu;qDr fd;k x;k gS] dh

vis{kkvksa dks Lor% fofu;ked ra=k dks n`<+ djus ds fy,

fofgr fd;k x;k gSA fofu;ked dh] fofu;ked ra=k ds vèkhu

Bhd vkSj mfpr izcaèk djus dh {kerk ds lkFk ,sls cktkj

O;ogkj fofu;ked dh viokn ds :i esa izcaèk djus dh

Hkwfedk dks n`<+ djrs gq,] loksZÙke izcaèk O;ogkjksa dh LFkkiuk

dks lqdj cuk ldrs gSaA ;g m|ksx ds Lo vuq'kkflr ra=k ds

lkFk m|ksx dks etcwr cuk ldrk gS vkSj lkFk gh xyr cktkj

O;ogkjksa dks lekIr dj ldrk gSA Hkkjrh; chek lHkk vkSj

thou chek rFkk lkèkkj.k chek ifj"knksa dk iQjojh] 2001 esa

iqu%xBu fd;k x;k Fkk vkSj vc buesa lnL;ksa ds :i esa m|ksx

ds O;fDr gSaA ;s lHkk,a fuf'pr :i ls 'ks"k fo'o ds vuqHkoksa

vkSj mlesa fodflr loksZÙke O;ogkj ls lh[k ysrh gSaA m|ksx

lHkk,a] vfrfjDr izdVu dh voèkkj.kk dks vkjaHk djus] mRiknksa

ds ewY; fu;ru dks lqdj cukus ds fy, iwy lkaf[;dh; }kjk]

csgrj tksf[ke izcaèk iz.kkyh fodflr djus vkSj cktkj vkpkj

ds fy, loksZÙke lafgrk fu;r djus tSls eqíksa ij vke lgefr

cuk ldrs gSaA gkykafd bl fn'kk esa dqN igy dh xbZ gSa] fdUrq

vHkh Hkh cgqr dqN fd;k tkuk ckdh gSA ,d fof'k"V mnkgj.k

gS] vfHkdj.k cy dks u dsoy mudh rduhdh {kerk esa lqèkkj

djus] vfirq uSfrd loksZÙke O;ogkj Hkh ykus ds fy,] izf'k{k.k

nsukA vfrØe.k ds fy, Lo fofu;eu ds lkFk&lkFk Rofjr

cktkj izR;qrj ls fuokj.kdkjh izHkko mRiUu gks ldrk gSA

izkfèkdj.k dks chek vkSj iqu%chek ls tqM+s ofÙkd laxBuksa dks

laofèkZr vkSj fofu;fer djus dk dk;Z lkSaik x;k gSA ;g

lqfuf'pr djus ds fy, fd chek eè;ofrZ;ksa dk dk;Z lapkyu

,slh jhfr esa fd;k tkrk gS] ftlls fd fofHkUu i.kèkkfj;ksa ds

fgrksa dh j{kk dh tk lds] ,d vkpkj lafgrk fofgr dh xbZ


3rd

jh

10

gSA bl izdkj dnkpkj ds ekeyksa ij dk;Zokgh dh tk,xhAblds vfrfjDr] pawfd chek m|ksx foÙkh; ra=k dk ,d Hkkx gS]izkfèkdj.k us Hkkjrh; fjtoZ cSad rFkk Hkkjrh; izfrHkwfr vkSjfofue; cksMZ ds lkFk foÙkh; eè;ofrZ;ksa dh okLrfod ekfuVfjaxds fy, ra=k LFkkfir fd;k gSA bl ra=k dks vkus okys le; esavkSj etcwr fd, tkus dh vko';drk gSA

miHkk sDrk f'kdk;r lekèkku iz.kkyh %

chek m|ksx dks [kksyus vkSj ubZ daifu;ksa ds vk tkus ls] turkesa vius vfèkdkjksa ds izfr tkx#drk c<+ jgh gS vkSj ostksj&'kksj ls vius vfèkdkjksa dh ekax Hkh djrs gSaA ;g dsoychek xzkgdksa ds fy, gh lR; ugha gS] vfirq vke turk dsfy, Hkh lR; gS vkSj miHkksDrk vfèkdkj laxBu fnuksafnuetcwr gks jgs gSaA

ikfylhèkkjdksa dh f'kdk;rksa ds lekèkku ds fy, fo|eku ra=krhu fofHkUu eap miyCèk djkrk gS] vFkkZr~ chekdÙkkZvksa dkvkarfjd f'kdk;r lekèkku izdks"B_ miHkksDrk U;k;ky;] tksmiHkksDrk fooknksa dks lekIr djus ds fy, rhu Lrjh; iz.kkyh]ftyk eap] jkT; eap vkSj jk"Vªh; eap] fofHkUu /uh; vfèkdkfjrkds lkFk] vkSj flfoy U;k;ky;A blds vfrfjDr 20 yk[k #i,rd ds nkoksa ds fy, f'kdk;rksa dh futh :ijs[kk ij dk;Zokghdjus ds fy, chek vksecMlesu dk ra=k Hkh gSA izkfèkdj.k usHkh ikfylhèkkjdksa ds fgrksa dh j{kk djus ds fopkj ls] viuhLo;a dh igy ij ikfylhèkkjdksa ds fgrksa dh laj{kk ds fy,fojfpr fofu;eksa ds lekukarj ra=k ds :i esa vkarfjd miHkksDrkf'kdk;r izdks"B dk xBu fd;k gSA ;|fi fofu;e nkoksa ijdk;Zokgh djus ds fy, izfØ;k vfèkdfFkRk djrs gSa vkSj izR;sdchekdÙkkZ dks] ikfylhèkkjdksa dh f'kdk;rksa vkSj d"Vksa ds n{klekèkku ds fy, leqfpr izfØ;kvksa dks] jftLVªhÑr chekdÙkkZvksa}kjk foØ; dh xbZ chek lafonkvksa ds vèkhu lsok,a miyCèkdjkus ds dk;Zdj.k esa uksfVl dh xbZ dfe;ksa dks lkeus ykusds fy, LFkkfir fd;k x;k gSA izdks"B dks ikfylhèkkjdksa dslkeus vk jgh leL;kvksa dks vkSj chek {ks=k dks [kksys tkus dslanHkZ eas mudh vk'kkvksa larqf"V ds Lrj dks le>us ds fy,LFkkfir fd;k x;k gSA chekdÙkkZvksa ls ;g vk'kk dh tkrh gSfd os u dsoy lsok ds LFkkfir ekudksa dks iwjk djsaxs] vfirqizLrko iz:i vkSj uhfr nLrkost nksuksa esa visf{kr izdVu HkhdjsaxsaA

lhthlh ;g lqfuf'pr djuk pkgrk gS fd chekdÙkkZvksa }kjk

fd, x, ok;ns iwjs fd, tk,aA ;gka ;g mYys[k djuk vko';d

gS fd fuEukadu O;ogkjksa dh xq.koÙkk chekdÙkkZvksa dks nkok

lekèkku izfØ;k esa rsth ykus esa leFkZ cuk,xhA

fofèk vk;ksx] tks chek m|ksx ds fy, foèkk;h <kaps ds

iqufoZyksdu ds fy, dk;Zokgh dj jgk gS] ,d iw.kZ fodflr

f'kdk;r lekèkku ra=k dh LFkkiuk ds fy, fofHkUu igyqvksa ij

fopkj dj jgk gS] ftlds varxZr f'kdk;r lekèkku izkfèkdj.k

(thvkj,) dk xBu] O;frØeh chekdÙkkZvksa] chek eè;ofÙkZ;ksa

vkSj vfHkdÙkkZvksa ds fy, 'kkfLr voèkkfjr rFkk mn~x`fgr djus

ds fy, izkfèkdj.k }kjk U;k;fu.kZ;u vfèkdkfj;ksa dh fu;qfDr

vkSj vihyksa dk micaèk djus ds fy, chek vihy vfèkdj.kksa

(vkbZ,Vh) dh LFkkiuk rFkk vkbZ,Vh ds fofu'p;ksa ds fo#¼

mPpre U;k;ky; esa dkuwuh vihy fd;k tkuk Hkh gSA fo|eku

iz.kkyh esa dfe;ksa dks è;ku esa j[krs gq, fofHkUu fodYiksa dh

vkSj ,sls ra=k dks LFkkfir djus ls m|ksx dks laiw.kZ ykxr

iQk;nk fo'ys"k.k dh leh{kk fd, tkus dh vko';drk gksxhA

rFkkfi] ;g mYys[kuh; gS fd f'kdk;r lekèkku iz.kkyh dh

i;kZIrrk dk fujarj ewY;kadu fd, tkus dh vko';drk gksxh]

fo'ks"kdj ,slh vFkZO;oLFkk esa] tgka xzkgdksa dh vk'kk,a c<+ jgh gSaA

chek ds iQk;nksa ds izlkj ds fy, fodkl Lrjdks cuk, j[kuk %

o"kZ 2002 esa chek vfèkfu;e esa la'kksèku djus ds ihNs ,d

mís'; Fkk] chek {ks=k esa lgdkjh lkslk;fV;ksa ds izos'k dks lqdj

cukuk rFkk fuxe vfHkdÙkkZvksa vkSj chek nykyksa dks ekU;rk

nsuk] ftlls chek cktkj ds fodkl dk laoèkZu gks vkSj chek

igqap ds Lrj eas of¼ gksA bl lacaèk esa vU; igyksa ds varxZr

chekdÙkkZvksa dh xzkeh.k vkSj lkekftd {ks=kksa ds izfr ckè;rk,a

vfèkdfFkr djuk vkSj chek ds lans'k dk izlkj djuk Hkh gSA

izkfèkdj.k us chek ds ckjs esa tkx#drk mRiUu djus ds fy,

izlkj Hkkjrh ds ijke'kZ ls vky bafM;k jsfM;ks vkSj nwjn'kZu ij

eq[; le; ij fn, tkus ds fy, ,d dk;ZØe cuk;k gSA blds

vfrfjDr ns'kh Hkk"kkvksa ds lekpkj i=kksa ds ekè;e ls Hkh ,d

izpkj vfHk;ku Hkh pyk;k x;k FkkA bu igyksa dk mís'; Fkk]

ns'k ds djksM+ksa yksxksa ds fnu&izfrfnu ds thou esa chek ds


3rd

jh

12

egRo ds ckjs esa vkSj lkFk gh bl ckjs esa tkx#drk c<+kuk fd

;g fdl izdkj muds Hkfo"; dks lqjf{kr dj ldrk gSA ;g

lc igys m|ksx dh de igqap dks ns[krs gq, dh xbZ gSaA

oSf'od chek cktkj esa Hkkjr dk va'kek=k 0-41 izfr'kr gS

thMhih ds izfr'kr ds :i esa izhfe;e ds] tks 2-71 izfr'kr

vkSj fodkl'khy ns'kksa dh rqyuk esa Hkkjr esa izfr O;fDr chek

izhfe;e] ek=k 11-5 vejhdh Mkyj ij dkiQh de gSA Hkkjrfo'o esa 23oka cM+k chek cktkj gS] ftlesa Hkkjh laHkkouk,a gSaftUgsa foosdiw.kZ :i ls Hkquk, tkus dh vko';drk gSA chek?kuRo vkSj igqap ij rqyukRed varjjk"Vªh; vkadM+s eq[; fjiksVZdk Hkkx gSa (lkj.kh 9(i) vkSj (ii) ns[ksa)] foÙkh; o"kZ 1999&2000ls 2002&03 rd ds fy, m|ksx ds vkadM+ksa ij vkèkkfjr chekigqap vkSj ?kuRo ds lkaf[;dh; uhps fn, x, gS %

*m|ksx lkaf[;dh ds vk/kj ijthMhih cktkj ewY; ij

(djk sM #ñ esa)

Hkkjr essa chek /uRo vkSj chek igqap laca/h vkadM+s

chek /uRo (izfr O;fDr izhfe;e]vFkk Zr dqy chek izhfe;e chek igqap (thMhih ds izfr'kr

o"k Z tula[;k thMhih chek izhfe;e vk;@ tula[;k) (#-) ds :i esa izhfe;e

(djk sM+ esa) thou xSj&thou ;k sx thou xSj&thou ;k sx thou xSj&thou ;k sx

1990-00 99.1 1936925 27224.42 9522.17 36746.59 274.72 96.09 370.80 1.41 0.49 1.902000-01 101.9 2104298 34898.47 10087.03 44985.5 342.48 98.99 441.47 1.66 0.48 2.142001-02 103.7 2296049 50094.45 12694.92 62789.37 483.07 122.42 605.49 2.18 0.55 2.732002-03 105.5 2451038 55738.11 14337.59 70075.7 528.32 135.90 664.22 2.27 0.58 2.86

chek {ks=k eas fodkl dk izHkko iw.kZ vFkZO;oLFkk ij iM+sxk] pkgs

og fu;kstu c<+us ds :i eas gks] pkgs turk ds thou Lrj esa

lqèkkj ds :i esa gks ;k m|ksx vkSj volajpuk eas fuos'k dh

ofÙk ds :i esa gksA ;g mYys[kuh; gS fd 31 ekpZ] 2003 dks

chek m|ksx esa dqy fuos'k 291418-36 djksM+ #i, gS] tks

foÙkh; o"kZ 2002&03 ds thMhih dk 11-89 izfr'kr gSA

lkaf[;dh; MkVkcsl dks n<+ djuk %

chek m|ksx fof'k"V ifjfLFkfr;ksa ds vèkhu dk;Z djrk gS]

vFkkZr chek daiuh fdlh ,d thou@vkfLr dk fdlh nq?kZVuk

ds fo#¼ chek djus ds fy, izhfe;e izHkkfjr djrh gSA ;g

izhfe;e fdlh ,sls nkos dks doj djus ds fy, izHkkfjr fd;k

tkrk gS] tks fdlh vuqekfur@vuuqekfur vofèk ds Hkhrj

mn~Hkwr gks ldrk gSA bl izdkj chek m|ksx ,slh ifjfLFkfr;ksa esa

lapkfyr gksrk gS tks Kkr dks vKkr ls feykrk gSA blfy,

mRiknksa dk ewY; fuèkkZj.k] chek thou vkSj xSj&thou] nksuksa

[kaMksa ds vuqHko ij vkèkkfjr gSA ,slh ifjfLFkfr;ksa esa MkVkcslksa

ds egRo dks utjvankt ugha fd;k tk ldrkA fof'k"V :i ls

xSj&thou [kaM esa MkVkcslksa dh miyCèkrk i;kZIr ugha gSA

VSfjiQ lykgkj lfefr (Vh,lh) us] tks njksa dks fu;r djus ds

fy, dkuwuh fudk; gS] le;≤ ij bl ckr ij vlarks"k

O;Dr fd;k gS fd chek daifu;ksa dks izkIr gksus okys vkadM+siw.kZ ugha gSa vkSj vi;kZIr gSaA i;kZIr vkSj izekf.kr vkadM+ksa dsvHkko eas Vh,lh ds fy, oSKkfud jhfr esa VSfjiQ njksa dkiqujh{k.k djuk laHko ugha gks ldrk gSA blds vfrfjDr]mRikn ds ewY; fuèkkZj.k ds fy, i;kZIr vkadM+s ,d=k djus dslkFk ;g lqfuf'pr djus ds fy, iz;kl fd, tkus visf{kr gSafd nkoksa ds vuqHkoksa dks m|ksx }kjk i;kZIr :i ls ns[kkHkkyktkrk gS vkSj ,d&nwljs dks crk;k tkrk gSA tkudkjh dks 'ks;jdjuk chek diVksa ij dk;Zokgh djus vkSj mudks LFkk;h cukusls jksdus ds fy, iwokZis{kk gSA vkadM+s miyCèk u gksus ijchekdÙkkZ] chek diVksa ij dk;Zokgh djrs le; vaèksjs esa jgsaxsAblh izdkj MkVkcsl ds fodkl vkSj vuqj{k.k esa lHkh i.kèkkfj;ksadk lfEefyr gksuk] vfHkdÙkkZvksa vkSj eè;ofrZ;ksa ds {ks=kksa esavkSj LokLF; {ks=kksa esa leku :i ls egRoiw.kZ gSA

MkVkcsl dh LFkkiuk ds fy, [kksth tk jgh fofHkUu laHkkoukvksads varxZr <kaps dks izkfèkdj.k ds foHkkx ds :i esa LFkkfirdjuk] mls VSfjiQ lykgdkj lfefr dks lqiqnZ djuk ;k mldsfy, ,d Lora=k laxBu dks LFkkfir djuk Hkh gSA eR;q nj vkSjvLoLFkrk nj vUos"k.k C;wjks ds xBu ds fy, igys gh dqN


3rd

jh

14

iz;kl fd, x, gSaA LokLF; {ks=k ds fy, vkadM+ksa dh HkaMkj x`g

lqfoèkk LFkkfir djus ds fy, ,slh gh igyksa dk izLrko gSA

tksf[ke vkèkkfjr i;Zos{k.k %

fofu;eu] tkudkjh ekaxus vkSj LFky ij ijh{k.k izfØ;k dh

vxyh dM+h gS] tksf[ke vkèkkfjr i;Zos{k.k dh izfØ;kA i;Zos{k.k

dk igyk vk'k; gS] foèkk;h vk'k; dk vuqikyu lqfuf'pr

djuk vkSj vuqikyu dk iqufoZyksdu lqfuf'pr djus ds fy,

fjiksfV±x dk vkèkkfjr <kapk LFkkfir djukA LFky ij fujh{k.k

iqf"V dks lqdj cukrk gS vkSj fofu;ked dh fpark ds {ks=kksa dk

lekèkku djrk gSA foÙkh; ifjfLFkfr;ka fo'ks"kdj] mnkjhÑr

okrkoj.k eas fo|eku ifjfLFkfr;ka fujarj cnyrh jgrh gSa vkSj

fu;fer vkèkkj ij pqukSfr;ksa dks lkeus ykrh gSa] rFkk eè;ofrZ;ksa

lfgr cktkj esa dk;Z djus okys foosdiw.kZ O;fDr;ksa ls] bu

ifjorZuksa ds vuqdwy izcaèk j.kuhfr;ka cukus vkSj izfØ;k ds

nkSjku lkeus vkus okys tksf[keksa dks de djus ds fy, mink;

djus dh vk'kk dh tkrh gSA chek m|ksx] ewyHkwr :i ls vius

djksM+ksa izorZdksa ds thou ij izHkko Mkyrk gS] vkSj bl izdkj

fofu;ked dk ikfylhèkkjdksa ds fgrksa dk laj{k.k djrs gq,

mÙkjnkf;Ro c<+ tkrk gSA blfy, i;Zos{kd dh izfØ;k ,slh

gksuh pkfg,] tks ,slh cnyrh ifjfLFkfr;ksa ds vuqdwy gks]

ftuesa chekdÙkkZ vkSj eè;orhZ izpkyu djrs gSaA bl fn'kk esa

izkfèkdj.k le;≤ ij lpsrd funs'k tkjh djrk jgk gSA

;|fi izkfèkdj.k jftLVªhÑr vfLrRoksa ds dk;ks± dk izcaèk djus

ds i{k esa ugha gS] ;g mudk è;ku ,sls ewy tksf[ke rF;ksa dh

vksj vkdf"kZr djrk jgsxk] ftudk m|ksx fof'k"V :i esa vkSj

foÙkh; {ks=k lkèkkj.k :i esa lkeuk dj jgs gSaA lkFk gh]

chekdÙkkZvksa ls] muds }kjk lkeuk fd, tk jgs fofHkUu tksf[keksa

dh igpku djuk vkSj mUgsa de djus ds fy, j.kuhfr

vfèkdfFkr djuk visf{kr gSA bUgsa chekdÙkkZvksa }kjk okf"kZd

foÙkh; fooj.kksa ds Hkkx :i esa izLrqr dh tkus okyh izcaèk

fjiksVZ esa mfYyf[kr fd;k tkuk visf{kr gSA

LokLF; chek%LokLF; chek] m|ksx ds fparktud {ks=kksa esa ls gSA fofu;eksa dh

fojpuk djrs le; ^^LokLF;** ij fo'ks"k tksj nsus ds ihNs

foèkk;h vk'k; Fkk] chek ds ekè;e ls chek ;ksX; turk dh

LokLF; ns[kHkky lqfoèkkvksa rd igqap cukukA rFkkfi] rhu lky

esa Hkh dksbZ vk'kkfUor izxfr ugha gks ldh gSA ;|fi laHkkouk,a

vR;fèkd gSa] fodkl esa ckèkkvksa ij è;ku fn, tkus dh

vko';drk gSA gkykafd chek dkjckj ds bl {ks=k esa dqN vPNs

lekpkj izkIr gq, gSa] fiQj Hkh cgqr dqN fd, tkus dh

vko';drk gSA

jftLV ªhÑr vfLrRoksa dk fujh{k.k %fujh{k.k ml izfØ;k dk foLrkj.k gS] ftldk dksbZ fofu;ked]

mlds }kjk jftLVªhÑr vfLrRoksa ds dk;Zdj.k ij n`f"V j[kus ds

fy, mi;ksx djrk gSA bl izfØ;k eas m|ksx ij fuxkg j[kuk]

lwpuk ,d=k djuk] :>kuksa vkSj lkeus vk jgs tksf[keksa dh]

;fn dksbZ gks] igpku djus ds fy, ml lwpuk dk fo'ys"k.k

djuk] daifu;ksa dk LFky ij fujh{k.k djuk] fpark ds {ks=kksa eas

fujf{kr vfLrRoksa dks lykg nsuk vkSj dh tkus okyh vko';d

mi;ksxh dkjZokbZ dh igpku djuk] lqèkkjdkjh dkjZokbZ;ksa dks

lekIr djus ds fy, le;&lhek fu;r djuk] dk;kZUo;u dh

izxfr dk vuqorZu djuk vkSj ifj.kkeksa dh vk'kkfUor fu"iknu

Lrjksa ds lkFk rqyuk djukA

izkfèkdj.k dks chek vfèkfu;e ds micaèkksa] ch-fo-fo-izk- vfèkfu;e

dh èkkjk 14 vkSj blds }kjk vfèklwfpr fofu;eksa }kjk fujh{k.k

djus] tkap vkSj vUos"k.k djus] ftlds varxZr chekdÙkkZvksa@

eè;ofÙZk;ksa dh laijh{kk Hkh gS] ds fy, l'kDr fd;k x;k gSA

izkfèkdj.k us foÙkh; o"kZ 2002&03 ds nkSjku chekdÙkkZvksa dk

LFky ij fujh{k.k djus dh izfØ;k vkjaHk dhA izkfèkdj.k }kjk

dh tkus okyh fujh{k.k izfØ;k dks nks oxks± esa j[kk tk ldrk

gS] vFkkZr chek daifu;ksa dk laiw.kZ fujh{k.k vkSj yf{;r

fujh{k.k] ftlls fd izkfèkdj.k dh fofufnZ"V fparkvksa dk

lekèkku gks ldsA

izkfèkdj.k ds vfèkdkfj;ksa us dqN chekdÙkkZvksa dk] mudh

lafØ;kvksa ds iqufoZyksdu ds fy, fujh{k.k fd;k FkkA bu

laijh{kkvksa dk mís'; chekdÙkkZvksa dh lafØ;kvksa ds ckjs esa

tkudkjh izkIr djuk FkkA blds vfrfjDr] izkfèkdj.k esa isufyr

dkuwuh ys[kk ijh{kdksa ds p;fur lewg }kjk fo'ks"k iz;kstu


3rd

jh

16

laijh{kk,a dh xbZ FkhaA ch-fo-fo-izk- (fuos'k) fofu;e mnHkklu

lafu;eksa dk vuqikyu lqfuf'pr djus ds fy, fuos'k lfefr

rSukr djus] fufèk;ksa ds foosdiw.kZ fuos'k dks lqfuf'pr djus ds

fy, iz.kkfy;ka LFkkfir djus dh ckcr chekdÙkkZ }kjk vuqikyu

fd, tkus okyh vis{kkvksa] vuqeksfnr izfrHkwfr;ksa esa fuos'k dh

dkuwuh vis{kk vkSj vuqikyu lqfuf'pr djus ds fy, vkarfjd

fu;a=k.k LFkkfir djus] chekdÙkkZvksa dh fuos'k lafØ;kvksa dk

iqufoZyksdu djus ds fy, mudh fuos'k laijh{kk djds izkfèkdj.k]

bl {ks=k eas fujh{k.k djus ds fy, pkVZMZ vdkmaVsaVksa dh lsokvksa

dk mi;ksx dj jgk gSA

izkfèkdj.k] fu;fer varjkyksa ij p;fur eè;ofrZ;ksa] vfHkdÙkkZ]

izf'k{k.k laLFkkuksa vkSj rhljk i{kdkj iz'kkldksa dk fujh{k.k dj

jgk gSA bu fujh{k.kksa dk mís'; dfe;ka ryk'kuk ugha gS] vfirq

fofu;ked dks bl ckr ds izfr vk'oLr djuk gS fd fofHkUu

jftLVªhÑr vfLrRo viuh lafØ;k,a foosdiw.kZ izcaèk ds vuq:i

dj jgs gSaA

U;k;fu.kZ;u ds ra=k %izkfèkdj.k us chek vfèkfu;e] 1938 ds micaèkksa ds vkèkkj ij

fofHkUu eè;ofÙZk;ksa vkSj vfHkdÙkkZvksa ds vuqKkiu ds fy,

vfofu;e fojfpr fd, gSaA visf{kr fofu;e mudh f'k{kk]

vgZrk vkSj O;kogkfjd izf'k{k.k ds fy, <kapk fofgr djrs gSaA

muds dÙkZO;ksa vkSj ÑR;ksa dks of.kZr djrs gq, vkpkj lafgrk

lacaèkh fo"k;ksa ij Hkh dk;Zokgh dh xbZ gSA izkfèkdj.k bu

jftLVªhÑr vfLrRoksa ls lwpuk ekaxus vkSj mudk fujh{k.k djus

ds fy, l'kDr gSA

fofèk vkSj mlds vèkhu fojfpr fofu;eksa ds micaèkksa eas] bu

vfLrRoksa ds fy,] ;fn os vius dÙkZO;ksa ;k vkpkj lafgrk ;k

izkfèkdj.k ds funsZ'kksa dk vuqikyu djus esa vleFkZ jgrs gSa]

dksbZ fooj.k] nLrkost] ys[kk] foojf.k;ka fjiksVZ izLrqr ugha

djrs ;k izLrqr lwpuk dks [email protected]@feF;k ik;k tkrk gS rks

dM+h 'kkfLr;ksa vkSj tqekZus ds fy, leFkZudkjh [kaM+ gSaA rFkkfi]

chekdÙkkZvksa vkSj@;k muds eè;ofÙkZ;ksa ds chp fooknksa ds

lekèkku ds fy, ra=k vHkh fodflr fd;k tkuk gS] gkykafd

izkfèkdj.k ch-fo-fo-izk- vfèkfu;e] 1999 ds vèkhu ,slh

ifjfLFkfr;ksa esa U;k; fu.kZ;u ds fy, l'kDr gSA ;|fi izkfèkdj.k

bl ckr dk i{kèkj gS fd m|ksx ls lacafèkr eqíksa dks chek

ifj"knksa vkSj eè;ofÙkZ;ksa dh lHkkvksa tSls Lo fofu;ked fudk;ksa

}kjk gy fd;k tk,] fiQj Hkh fgrksa ds fojksèkksa ds lekèkku ds

fy, ,d ikjn'khZ vkSj de ykxr okys ra=k dks LFkkfir djus

dh laHkkoukvksa ij fopkj fd;k tk ldrk gSA fofHkUu fodYiksa

dh [kkst djus ds fy, ns'k ds Hkhrj ds vkSj fons'kksa ds

fofu;kedksa ds vuqHkoksa dh leh{kk djuk ykHkizn gks ldsxkA

n<+hdj.k dk le;%izkfèkdj.k dh LFkkiuk ls ns'k esa chek {ks=k ds fodkl ds fy,

laHkkoukvksa dk iw.kZr% ykHk mBkus ds fy, ekxZ [kksyk gSA {ks=k

esa vkjaHk fd, x, lqèkkjksa ds ifj.kkeLo:i fo|eku chekdÙkkZ

bl ckr ij lksp&fopkj djus ds fy, ckè; gq, gSa fd ykxr

de djus ds fy, D;k mik, fd, tk,a vkSj chekÑr O;fDr;ksa

dh fofufnZ"V vko';drkvksa dks iwjk djus ds fy, rS;kj u,

mRikn izLrqr djsaA

;|fi chekdÙkkZvksa us izHkko'kkyh izxfr nf'kZr dh gS] ;g

leku :i ls egRoiw.kZ gS fd m|ksx rsth ls cnyrh mPp

izfr;ksxh ifjfLFkfr;ksa eas] ftuesa vfofu;fer cktkj esa fuEukafdr

ifj.kkeksa ds Hkkjh ncko esa vkus dh laHkkouk gS] m|ksx dk

csgrj :ijs[kk ds vuqlkj fodkl gksA ;g fof'k"V :i ls

pqukSrhiw.kZ gksxk] D;ksafd m|ksx xSj&VSfjiQ cktkj esa ifjofrZr gks

jgk gSA ,sls esa ,d psrkouh Hkh vko';d gSA chekdÙkkZvksa dks

izHkko'kkyh vkadM+s izkIr djus ds iz;kl djrs gq, nwjnf'Zkrk dks

njfdukj ugha djuk pkfg,A cktkj ds cM+s va'k ij dCtk

tekuk vPNk gS] fdUrq j.kuhfr vko';d :i ls nh?kZdkfyd

vkSj larks"kizn fodkl ds fy, gksuh pkfg,A blds lkFk gh]

m|ksx dks lsok ds vkèkkj&okD; ls tqM+k jgus dh vko';drk

gS vkSj daifu;ksa dks ;g lqfuf'pr djuk pkfg, fd miHkksDrkvksa

ds fgrksa dh laj{kk vkSj iwfrZ dh tkrh gSA

m|ksx ds lkeus vk jgh pqukSfr;ksa esa fiNys dqN o"kks± ls de

gksrh fuos'k izkfIr;ka vkSj fuEu C;kt njsa Hkh lfEefyr gSa] tks

chekdÙkkZvksa ds ykHk dks de dj jgs gSaA vPNh ckr ;g gS fd

fuEu eqnzkLiQhfr njksa us nkoksa vkSj izpkyu ykxrksa dks fu;a=k.k


3rd

jh

18

esa j[kus esa lgk;rk dh gSA rFkkfi] jkT; ljdkj ds ,sls

miØeks a dks ftues a chekdÙkk Zvk s a ] fo'k s"kdj ifCyd

lsDVj&chekdÙkkZvksa ds izfrèkkj.k gSa] foÙkh; fLFkfr fpark dk

fo"k; gSA ,slh vkfLr;ksa ds fy,] tks dke ugha vk jgha] micaèk

djuk egRoiw.kZ gSA m|ksx esa vusd u, mRikn vkjaHk fd, x,

gSaA rFkkfi] ;g lqfuf'pr djuk vko';d gS fd bu mRiknksa dk

ewY; fuèkkZj.k lkaf[;dh; MkVk ds vkèkkj ij gksA pkgs og

thou [kaM gks vFkok xSj&thou [kaM] MkVk vkSj og Hkh lgh

MkVk dh miyCèkrk chek m|ksx ds fodkl ds fy, vko';d

gSA fo|eku O;ogkj] ftlesa mRiknksa ds ewY; fuèkkZj.k dk

vkèkkj lkaf[;dh; gS] Bhd ugha gS vkSj blls ,sls xzkgdksa dh

la[;k cuh jgsxh] tks vU;ksa dh ykxr ij vkfFkZd lgk;rk nsrs

jgsaxsA bl izfr vkfFkZd lgk;rk dks 'kh?kz lekIr djuk gksxkA

m|ksx ds lqn`<+hdj.k ds le; ds nkSjku chek dh igqap lekt

ds O;kid rcds rd gksuh pkfg,] fo'ks"kdj 'kksf"kr vkSj

detksj oxks± dks chek doj miyCèk djkuk pkfg, vkSj xzkeh.k

rFkk v¼Z'kgjh {ks=kksa esa viuh igqap cukuh pkfg,A lqn`<+hdj.k

le; ds nkSjku] cktkj vkpkj] pkgs og chekdÙkkZvksa dk gks ;k

eè;ofrZ;ksa dk] tSls fpark ds fo"k;ksa ij Hkh è;ku dsfUnzr djuk

pkfg,A chek diV Hkh ,d fparktud fo"k; gSA diVksa vkSj

izfrèku 'kksèku ,sls fo"k; gSa] ftlls laiww.kZ foÙkh; {ks=k] chek

m|ksx dk dkiQh cM+k Hkkx vkSj fo'ks"kdj izkfèkdj.k =kLr gSA

lqn`<+hdj.k ds le; ds nkSjku fuxe 'kklu ds O;ogkjksa dk Hkh

fodkl gqvk gSA pwafd m|ksx ,slh fLFkfr;ka iSnk dj jgk gS]

tgka ;g yksd fufèk;ksa dk mi;kstu djsxk] ,sls eas ikjnf'kZrk

ekudksa dks ek=kk vkSj xq.koÙkk eas mÙke gksuk gksxkA izkfèkdj.k

dks iQkby dh tkus okyh vkofèkd foojf.k;ka u dsoy fofgr

le; lhek ds Hkhrj izLrqr dh tkuh gksaxh] vfirq muls lR;

vkSj lgh fLFkfr minf'kZr gksuh pkfg,A

vfHkLohÑfr %

izkfèkdj.k] chek lykgdkj lfefr] iqu%chek lykgdkj lfefr]

chek izHkkx (foÙk ea=kky;)] lHkh chekdÙkkZvksa vkSj eè;ofrZ;ksa

dh] blds lqpk: dk;Zdj.k esa muds cgqewY; ekxZn'kZu vkSj

lg;ksx ds fy, rFkk izkfèkdj.k ds vfèkdkfj;ksa ds ny rFkk

deZpkfj;ksa dh] muds }kjk muds dÙkZO;ksa ds n{k fuoZgu ds

fy, viuh vksj ls ljkguk djrk gS vkSj èkU;okn nsrk gSA

izkfèkdj.k] turk dks] chekofÙk ls tqM+s lHkh ofÙkd fudk;ksa

vkSj varjjk"Vªh; vfHkdj.kksa dks] le;≤ ij muds cgqewY;

lg;ksx ds fy, fo'ks"k èkU;okn nsrk gSA


3rd

jh

20

ch-fo-fo-izk- ds fe'ku dk dFku

l ikfylh/kjdksa ds fgrksa dk laj{k.k djuk vkSj buds lkFk fu"i{k O;ogkj lqfuf'pr djkuk_

l vke vkneh ds iQk;ns ds fy, chek m|ksx esa Rofjr vkSj lqO;ofLFkr fodkl djuk (ftlds varxZr okf"kZdh

vkSj vf/okf"kZdrk lank; Hkh gSa) vkSj vFkZO;oLFkk ds fodkl dks rst djus ds fy, nh?kZdkfyd fuf/;ka miyC/

djkuk_

l ftUgsa ;g fofu;fer djrk gS muesa v[kaMrk] foÙkh;] etcwrh] bZekunkjh vkSj l{kerk ds mPp ekud LFkkfir]

laof/Zr djuk] vkSj mUgsa izofrZr djuk_

l ;g lqfuf'pr djuk fd chek xzkgdksa dks mRiknksa vkSj lsokvksa ds fo"k; esa ;FkkFkZ] Li"V vkSj lgh tkudkjh izkIr

gks vkSj mUgsa bl laca/ esa muds mÙkjnkf;Roksa vkSj dÙkZO;ksa ds izfr tkx#d cukuk_

l lPps nkoksa ds Rofjr lek/ku dks lqfuf'pr djuk] chek diVksa vkSj vU; vukpkj dks jksduk rFkk izHkkodkjh

f'kdk;r ra=k dh LFkkiuk djuk_

l chek ds laca/ esa O;ogkj djus okys foÙkh; cktkjksa esa fu"i{krk] ikjnf'kZrk vkSj lqO;ofLFkr lapkyu dk

lao/Zu djuk vkSj cktkj ds chekdÙkkZvksa ds chp foÙkh; etcwrh ds mPp ekud izofrZr djus ds fy, fo'oluh;

izca/ lwpuk i¼fr cukuk_

l tgka ,sls ekud vi;kZIr gSa ;k vizHkkoh :i ls izofrZr gSa] ogka dkjZokbZ djuk_

l m|ksx ds fnu izfrfnu ds dk;Zdj.k esa foosdiw.kZ fofu;e dh vis{kkvksa ls lqlaxr Lor% fofu;eu dh loksZÙke

Hkkouk ykukA

Hkkx 1


3rd

jh

24

uhfr;ka vkSj dk;ZØethou ds lHkh {ks=kksa eas tksf[ke fo|eku gS vkSj foosd ;gvis{kk djrk gS fd de ls de blds fy, bl izdkj dkizcaèk fd;k tkuk pkfg, ftlls fd laifÙk ;k thou ij gkfudk izHkko U;wure gksA chek] fodkl'khy vkSj fodflr nksuksagh izdkj ds ns'kksa esa foÙkh; {ks=k dk ,d lfØ; vkSj fodkl'khyvax gSA gekjs vkl&ikl ,f'k;k eas gh vkfFkZd of¼ ds tksj ijchek izhfe;e esa dkiQh of¼ gqbZ gSA vkt Hkkjr dks ,f'k;k{ks=k esa nks mHkjrs cktkjksa esa ls ,d ekuk tkrk gS vkSjfo'oLrjh; daifu;ka voljksa dk ykHk mBkus ds fy, bl ijutj j[ks gq, gSaA tgka iwjs fo'o esa cktkj vR;fèkd lfØ;vkSj ,dhÑr gksrs tk jgs gSa] ogka Hkkjr dks bu cktkjksa ls,dhÑr gksus esa leFkZ cukus ds fy, chek {ks=k dk [kksyktkuk] ns'k ds Hkhrj py jgs vkfFkZd lqèkkjksa dk ,d Hkkx gSA

chek {ks=k esa mnkjhdj.k dk izFke ladsr vizSy] 2000 esa feykFkk] tc ch-fo-fo-izk- dks chek {ks=k ds fofu;eu vkSj fodklds fy, ,d dkuwuh fudk; ds :i esa xfBr fd;k x;k FkkAizkfèkdj.k dks chek ikfyfl;ksa ds èkkjdksa ds fgrksa dh j{kkdjus vkSj chek m|ksx rFkk mlls tqM+s@vkuq"kafxd fo"k;ksa dkfofu;eu djus] muesa lqO;ofLFkr of¼ dks c<+kok nsus vkSjlqfuf'pr djus ds fy, LFkkfir fd;k x;k FkkA futh daifu;ksadks igys dqN jftLVªhdj.k izek.ki=k vDrwcj] 2000 eas tkjhfd, x, FksA futh daifu;ksa ds vkus ds lkFk ,dkfèkdkjlekIr djus dh izfØ;k us vusd voljksa dks [kksyk gSA ftldsifj.kkeLo:i] 'kkldh; chekdÙkkZvksa us vkRefo'ys"k.k dsi'pkr~ vius dk;Zdj.k dk iqufoZyksdu vkSj viuh lafØ;kvksadks lqdj cukuk vkjaHk dj fn;k gS] ftlls fd os vkus okysle; esa izfr;ksfxrk esa cus jg ldsaA fofu;ked dh laoèkZukRedHkwfedk bl ckr ls vkSj vfèkd mHkj dj lkeus vkrh gS fd'kklukns'k fofu;ked ij u dsoy m|ksx rFkk chekdÙkkZvksavkSj eèofrZ;ksa] nksuksa dk mÙkjnkf;Ro j[krk gS vfirq mls chekds ykHkksa dks ns'k ds dksus&dksus rd ys tkus ds fy, cktkj dkfodkl djus dk mÙkjnkf;Ro Hkh lkSairk gSA vr% ;g lqLohÑrgS fd fo'oLrjh; ekudksa dks izkIr djus dk y{; j[kus dslkFk gh chek m|ksx HkkSxksfyd foLrkj vkSj lekt ds vlgk;oxks± dks tksf[ke dk chek miyCèk djkus dh vko';drk dksutjvankt ugha dj ldrkA

izkfèkdj.k dks jk"Vªh; lkekftd&vkfFkZd vis{kkvksa dks iwjk

djus ds fy, m|ksx esa ,slh jhfr esa fu"i{k izfr;ksfxrk LFkkfir

djus vkSj mls c<+kok nsus dk dk;Z lkSaik x;k gS] ftlls

Hkkjrh; chek cktkj esa nh?kZdkfyd of¼ gksA vafre fo'ys"k.k

esa] blls jk"Vªh; vkfFkZd fodkl dks c<+kok feysxkA izkfèkdj.k

viuk è;ku bl ckr ij dsfUnzr dj jgk gS fd chek lsok,a]

bu mRiknksa ds mfpr ewY;ksa ij xzkgdksa dks] fo'ks"kdj xzkeh.k

vkSj xSj&laxfBr {ks=kksa ds xzkgdksa dks miyCèk gksaA fofu;e

cukus dh izfØ;k lfØ; jgh gS vkSj ;g cktkj dh cnyrh

vko';drkvksa ds vuq:i jgh gSA izkfèkdj.k ds izkjafHkd iz;kl

bl ckr ds fy, jgs gSa fd foosdiw.kZ fofu;eksa ds ekè;e ls

fofHkUu {ks=kksa esa uhfr ekxZn'kZd fl¼kar LFkkfir fd, tk,aA

blds i'pkr~ chek tkx#drk ds Lrj dks c<+kus ds lkFk gh

lkèkkj.k xzkgdksa rd chek dh igqap dks c<+kus ds fy, cktkj

esa fofHkUu izdkj ds eè;orhZ yk, x,A m|ksx dh fLFkfr vkSj

fiNys o"kZ ds nkSjku blds dk;Zikyu ds iqufoZyksdu dks] ftls

vkxs fn;k x;k gS] m|ksx ds vkèkkj dks O;kid cukus ds

i'pkr~ blesa gq, fodkl dks izLrqr djus vkSj LFkkfir fd,

x, ekudksa dh i`"BHkwfe esa miyfCèk;ksa dk tk;tk ysus ds fy,

rS;kj fd;k x;k gSA

d- l k èk k j . k vk f Fk Zd i f j f LFk fr; k s a d kiqufoZyk sdu

gky gh ds eklksa eas fujarj vusd vuqdwy vkfFkZd dkj.k

lkeus vk, gSa] tks vkfFkZd fodkl ds fy, dkiQh vPNs gSaA

dqy feykdj Hkkjrh; vFkZO;oLFkk esa fodkl ds vklkj gSaA

vPNs ekulwu ds ifj.kkeLo:i Ñf"k mRiknu esa] ftlesa fiNys

o"kZ 3-2 izfr'kr dh deh vkbZ Fkh] dkiQh of¼ gksus dh

laHkkouk gS_ vkadM+ksa us vizSy&vxLr] 2003 ds nkSjku vkS|ksfxd

{ks=k esa lqèkkj ds ladsr fn, gSa] vkS|ksfxd mRiknu lwpdkad esa

fiNys o"kZ dh bl vofèk ds nkSjku gqbZ 5-2 izfr'kr of¼ ds

eqdkcys 5-6 izfr'kr dh of¼ gqbZ gSA vkèkkfjd ekyksa] iawth

ekyksa vkSj miHkksDrk ekyksa ds mRiknu esa lrr~ of¼ ds ladsr

gSa vkSj lsok {ks=k us Hkh fujarj vPNh of¼ nj nf'kZr dh gSA


3rd

jh

26

eqnzkLiQhfr 4 izfr'kr ls de gS vkSj fons'kh eqnzk vkjf{krh

yxHkx 90 vjc vejhdh Mkyj gSA foÙkh; o"kZ 2003&04 ds

nkSjku vFkZO;oLFkk eas 6-5 ls 7 izfr'kr of¼ gksus dh laHkkouk

gS] tks fd fo'o vFkZO;LFkk esa 3 izfr'kr dh laHkkfor of¼ nj

ls nqxquh gSA o"kZ 2003&04 ds fy, izLFkkfir ldy ?kjsyw

mRikn esa iqujhf{kr of¼] vizSy&vxLr] 2003 ds eklksa ds

nkSjku fofHkUu {ks=kksa }kjk iznf'kZr dk;Zikyu ls vkus okys

vuqdwy ladsrksa ds vkèkkj ij dh xbZ gSA ;|fi fu;kZr esa vHkh

vuqdwy of¼ ugha gks ldh gS] fiQj Hkh vizSy&flarcj] 2003

ds nkSjku fu;kZr esa vejhdh Mkyj ds vuqlkj 10 izfr'kr dh

of¼ fiNys o"kZ dh bl vofèk ds nkSjku vfHkfyf[kr 18

izfr'kr of¼ ls de Fkh] oSf'od ifjfLFkfr;ksa eas lqèkkj dh

laHkkoukvksa ls fu;kZr of¼ dks ubZ vk'kk feyuh pkfg,A blds

vfrfjDr] vk;kr c<+ jgk gS] ftlls fofuekZ.k {ks=k eas vuqdwy

ifjfLFkfr;ksa dk ladsr feyrk gS µ vk;kr esa pkyw o"kZ dh

igyh Nekgh esa 21-4 izfr'kr dh of¼ gqbZ gS] tcfd fiNys

o"kZ bl vofèk ds nkSjku blesa dsoy 9-2 izfr'kr dh of¼ gqbZ

FkhA ;g mYys[kuh; gS fd rsy ls fHkUu vk;krksa esa of¼ ?kjsyw

ekax esa etcwrh dks nf'kZr djrh gSA dqy feykdj dkjckj dh

laHkkouk,a] eqnzkLiQhfr ds izcaèkuh; Lrj vkSj de C;kt njksa ds

vkèkkj ij vuqdwy gSaA

o"kZ 2002&03 esa Hk;adj vdky iM+k Fkk] ftlls Ñf"k vkSj

lac¼ {ks=kksa esa fodkl ij izHkko iM+k FkkA bu {ks=kksa eas fodkl

dh deh ds dkj.k ldy ?kjsyw mRikn esa yxHkx 4-4 izfr'kr

dh of¼ gqbZ FkhA ;g vkS|ksfxd vkSj lsok {ks=kksa ds dk;Zikyu

esa fiNys o"kZ ds nkSjku gqbZ Øe'k% 6-1 izfr'kr vkSj 7-1

izfr'kr dh izHkko'kkyh of¼ ds ckotwn gqvk] tks mlls fiNys

vFkkZr~ o"kZ 2001&02 ds nkSjku gqbZ Øe'k% 3-3 izfr'kr vkSj

6-8 izfr'kr dh of¼ ls vfèkd FkhA rFkkfi] foÙkh; o"kZ

2002&03 dh nwljh Nekgh ds nkSjku vuqdwy ladsr izkIr gq,]

tks lqèkkj dks ryk'k djrs oSf'od vkfFkZd fØ;kdykiksa vkSj

fo'o O;kikj ds eank jgus ds i`"BHkwfe esa fo'ks"k :i ls

egRoiw.kZ FksA fuEu eqnzkLiQhfr ds dkj.k laiw.kZ ogr µ vkfFkZd

fLFkjrk] fo|eku cktkj ifjfLFkfr;ka vkSj Hkjs gq, HkaMkj]

ftuds varxZr [kk| HkaMkj Hkh gSa] vU; vuqdwy dkjd FksA

blds vfrfjDr fu;kZr esa of¼ ds lkFk ijks{k ds ekè;e ls

fuos'kksa ls yxkrkj nwljs o"kZ pkyw [kkrs esa vfèk'ks"k cus jgus

dh laHkkouk,a c<+haA fo'ks"k :i ls ;g ckr izlUu djus okyh

gS fd fu;kZr esa of¼ ,sls le; gqbZ tc oSf'od vFkZO;oLFkk

esa lqèkkj dh xfr cgqr èkheh Fkh vkSj blls fofuekZ.k {ks=k ds

fodkl esa lgk;rk feyhA blds vfrfjDr vis{kkÑr fuEu

eqnzkLiQhfr ds dkj.k 2002&03 ds nkSjku C;kt njsa Hkh de

jghaA volajpuk fo'ks"kdj lM+dksa vkSj nwjlapkj esa fuos'k eas

vR;fèkd of¼ o"kZ 2002&03 ds nkSjku ,d egRoiw.kZ ?kVuk

jgh gSA vkt fudV Hkfo"; esa vFkZO;oLFkk esa 8 izfr'kr of¼

nj izkIr djus vkSj mls cuk, j[kus ds fy, igy dh tk jgh

gSA

ldy ?kjsyw cprksa vkSj fuos'kksa_ ?kjsyw {ks=k esa foÙkh; cprksa

(ldy)_ dqy lank;ksa ds vfr'ks"k_ vkSj ogr vkfFkZd ;ksxksa ls

lacafèkr vkadM+sa Øe'k% lkj.kh 2 ls 5 esa gSaA

;|fi o"kZ 2002&03 eas fpark ds dqN fo"k; jgs gSa] tks

vuqlwfpr okf.kfT;d cSadksa dh c<+ jgh fuf"Ø; vkfLr;ksa ls]

olwfy;ksa] fo'ks"kdj xSj&iwoksZDrk okys {ks=kksa ls gqbZ egRoiw.kZ

olwfy;ksa ds ckotwn eq[; vkSj f}rh; nksuksa izdkj ds iwath

cktkjksa eas gqbZ èkheh xfrfofèk;ksa ls lacafèkr FksA LVkWd cktkj

dh èkheh xfrfofèk;ksa ds dkj.k eq[; cktkj esa fudklh dh

ek=kk de jghA dsUnz vkSj lkFk gh jkT;ksa esa yksd foÙk ncko

esa cus jgsA dsUnzh; ljdkj dk foÙkh; ?kkVk] tks 2000&01 esa

thMhih ds vkSlr ds :i esa 5-6 izfr'kjr Fkk] 2001&02 esa

c<+dj izkDdfyr 5-9 izfr'kr rd igqap x;kA jkT;ksa ds Lrj

ij Hkh foÙkh; etcwrh u gksus dk irk bl rF; ls pyrk gS

fd muds la;qDr foÙkh; ?kkVs esa Hkh] tks 2000&01 esa thMhih

ds vkSlr ds :i esa 4-3 izfr'kr Fkk] of¼ gqbZ vkSj og

2001&02 esa 4-6 izfr'kr ds iqujhf{kr izkDdyu rd tk

igqapkA 2001&02 ds iqujhf{kr izkDdyuksa ds vuqlkj dsUnz vkSj

jkT;ksa dk lafpr foÙkh; ?kkVk thMhih dk 10 izfr'kr FkkA

dsUnzh; ljdkj dk fofuos'k dk;ZØe viuh le; lwph ds

vuqlkj ugha py ik jgk gS vkSj blds ifj.kkeLo:i iawth

izkfIr;ksa esa deh vkus dh laHkkouk gSA mPp foÙkh; ?kkVk fujarj

izfr&pØh; foÙkh; uhfr;ksa ds lapkyu vkSj vR;ko';d


3rd

jh

28

lkekftd rFkk HkkSfrd volajpuk vkSj xjhch mUewyu dk;ZØeksa

ij [kpZ esa of¼ djus ds dk;Z dks nq#g cuk jgk gSA vkfFkZd

of¼ ds mPp Lrjksa dks izkIr djus ds fy, bu {ks=kksa ij è;ku

fn, tkus dh vko';drk gSA 2001&02 esa fLFkj ewY;ksa ij

ldy ?kjsyw iwath l`tu esa ek=k 3 izfr'kr dh of¼ gqbZ] tks

thMhih esa of¼ ls dkiQh de FkhA fo|eku ewY;ksa ij 2001&02

esa ldy iawth l`tu thMhih dk 23-7 izfr'kr Fkk] tks

2000&01 esa izsf{kr 24 izfr'kr vkSj 1999&2000 esa izsf{kr

25-2 ds va'k ls dqN de FkkA ,slk izrhr gksrk gS fd LVkWd

esa ifjorZuksa dh xfr ldy fu;r iawth l`tu ls dkiQh vfèkd

jgh gSA rFkkfi] fu;r iawth l`tu ds Hkhrj lfUuekZ.k esa e'khujh

vkSj miLdj ij ldy fuos'k dh vis{kkÑr vfèkd of¼ gqbZA

ifCyd lsDVj esa lfUuekZ.k esa iawth l`tu esa 7-2 izfr'kr dhHkkjh of¼ gqbZA vU; ckrksa ds lkFk&lkFk C;kt ds lank;]vkfFkZd lgk;rkvksa] isa'kuksa vkSj vuqnkuksa lfgr ljdkjh miHkksx]O;; esa of¼ ds dkj.k yksd fuos'k Hkkxr% ncko esa jgs gSaAfuos'kd [kjkc volajpuk lqfoèkkvksa ds dkj.k fu#¼ jgsAlkekftd {ks=k dh] ftldk etcwr fl¼krksa ij fodkl ;glqfuf'pr djsxk fd ns'k esa èku lqik=k vkSj nfjnz turk ds ikltk,] vis{kkvksa ij i;kZIr :i ;s è;ku fn, tkus dh vko';drkgSA Hkkjr dk izksiQkby] lkekftd&vkfFkZd lwpd vkSjtulkaf[;dh; #>ku vkSj iz{ksi.k lkj.kh 1] 7 vkSj 8 (i) vkSj(ii) esa gSaA

lkj.kh - 1

Hkkjr dk izk siQkby

dqy {ks=k 3287263 oxZ fdyksehVj

rV js[kk 7517 fdyksehVj

jkT; 29

la?k jkT; {ks=k 6

ftys 602

tula[;k 1-05 djksM+ (tqykbZ 2003 esa LFkk-)

'kgjh tula[;k 27-78%

tula[;k esa of¼ (n'kd 1991&2001) ($) 21-34%

fyax nj 2003 izfr 1000 iq#"kksa izfr 933 efgyk,a

tula[;k dk ?kuRo 321 O;fDr ij oxZ fdyksehVj

lk{kjrk nj 65-38% (iq#"k 75-85%] efgyk,a 54-16%)

thou izR;k'kk (o"kZ 2000) dqy tula[;k 64-90 o"kZ] iq#"k = 64-19 o"kZ]efgyk,a = 65-00 o"kZ

Ïksr % Hkkjr dh tux.kuk_ vkfFkZd losZ{k.k] 2002&03_ jk"Vªh; lwpuk dsUnz_ Hkkjrh; ;kstuk vk;ksxA


3rd

jh

30

lkj.kh � 2

ldy ?kj syw cpr vkSj fuos'ken ldy ?kj syw mRikn dk izfr'kr (djksM+ #i, esa)

(fo|eku cktkj ewY;k sa ij)2001-02* 2000-01@ 1999-00 1995-96 2001-02* 2000-01@ 1999-00

ls1998-99

vkSlr

1 2 3 4 5 6 7 8

1. Household Saving 22.5 21.6 20.8 17.9 5,15,565 4,53,641 4,02,360

of which :

a) Financial assets 11.2 10.4 10.5 9.8 2,56,647 2,17,841 2,03,702

b) Physical assets 11.3 11.2 10.3 8.1 2,58,918 2,35,800 1,98,658

2. Private Corporate Sector 4.0 4.1 4.4 4.3 92,060 86,142 84,329

3. Public Sector (2.5) (2.3) (1.0) 1.0 (57,662) (48,022) (20,049)

4. Gross Domestic Saving 24.0 23.4 24.1 23.3 5,49,963 4,91,761 4,66,640

5. Net Capital Inflow (0.2) 0.6 1.1 1.4 (4,872) 12,977 21,988

6. Gross Domestic Capital 23.7 24.0 25.2 24.7 5,45,091 5,04,738 4,88,628

Formation

7. Errors and Omissions 1.3 1.5 1.6 1.6 30,003 31,117 30,366

8. Gross Capital Formation 22.4 22.5 23.7 23.1 5,15,088 4,73,621 4,58,262

of which:

a) Public Sector 6.3 6.4 6.9 7.0 1,45,082 1,34,025 1,34,484

b) Private Corporate Sector 4.8 4.9 6.5 8.0 1,11,088 1,03,796 1,25,120

c) Household Sector 11.3 11.2 10.3 8.1 2,58,918 2,35,800 1,98,658

·Rofjr izkDdyu@ vuafreÏksr % lSaVªy LVsfVfLVdy vkWxsZukbts'ku

1. ?kjsyw cpr

ftles a l s %

d) foÙkh; vkfLr;ksa esa

[k) HkkSfrd vkfLr;ksa esa

2. futh fuxfer {ks=k

3. ifCyd lSDVj

4. ldy ?kj syw cpr

5. 'kq¼ iawth vkxe

6. ldy ?kj syw iawthl`tu

7. =kqfV;ka vkSj yksi

8. ldy iwath l`tu

ftles a l s %

d) ifCyd lSDVj

[k) futh fuxfer {ks=k

x) ?kjsyw {ks=k


3rd

jh

32

lkj.kh � 3

?kj syw {k s=k dh foÙkh; cpr(ldy) % forj.k dh izfr'krrk

en 2001-02* 2000-01@ 1999-00 1998-99 1997-98 1996-97 1995-96 1994-95 1993-94

1 2 3 4 5 6 7 8 9 10

Financial Saving (Gross) 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0

(12.9) (11.9) (12.3) (11.9) (11.3) (11.6) (10.5) (14.4) (12.8)

a) Currency 9.5 7.1 8.7 10.5 7.4 8.6 13.3 10.9 12.2

(1.2) (0.8) (1.1) (1.3) (0.8) (1.0) (1.4) (1.6) (1.6)

b) Deposits 37.9 42.0 37.5 38.8 46.6 48.1 42.5 45.5 42.6

(4.9) (5.0) (4.6) (4.6) (5.3) (5.6) (4.5) (6.5) (5.4)

i) with banks 31.1 32.4 30.5 33.7 37.8 25.7 26.3 35.3 27.9

ii) with non-banking 2.8 4.9 3.7 3.8 3.9 16.4 10.6 7.9 10.6

companies

iii) with co-operative 6.1 5.5 4.2 4.6 5.3 6.4 5.8 3.0 5.2

banks and societies

iv) trade debt (net) (2.1) (0.7) (0.8) (3.3) (0.4) (0.4) (0.2) (0.8) (1.1)

c) Shares and debentures 2.3 2.5 7.1 3.4 2.9 6.6 7.3 11.9 13.5

(0.3) (0.3) (0.9) (0.4) (0.3) (0.8) (0.8) (1.7) (1.7)

i) private corporate 1.1 1.1 3.4 1.5 1.3 3.6 6.6 8.0 7.5

business

ii) co-operative banks 0.0 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

and societies

iii) units of UTI (0.6) (0.4) 0.8 0.9 0.3 2.4 0.2 2.7 4.3

iv) bonds of PSUs 0.0 0.1 0.1 0.0 0.1 0.1 0.1 0.1 0.5

v) mutual funds 1.7 1.6 2.9 0.8 1.1 0.3 0.3 1.1 1.2

(other than UTI)

d) Claims on Government 16.8 15.6 12.1 13.6 12.9 7.4 7.7 9.1 6.3

(2.2) (1.9) (1.5) (1.6) (1.5) (0.9) (0.8) (1.3) (0.8)

i) investment in 5.7 1.7 0.9 0.7 1.6 0.4 0.4 0.1 0.4

Government securities

ii) investment in small 11.1 13.9 11.2 13.0 11.3 7.0 7.4 9.0 5.9

savings, etc.

e) Insurance funds 14.4 13.5 12.0 11.3 11.3 10.2 11.2 7.8 8.7

(1.9) (1.6) (1.5) (1.3) (1.3) (1.2) (1.2) (1.1) (1.1)

i) life insurance funds 13.9 12.9 11.3 10.6 10.6 9.5 10.4 7.2 8.0

ii) postal insurance 0.2 0.3 0.3 0.3 0.3 0.3 0.3 0.2 0.2

iii) State insurance 0.4 0.4 0.5 0.5 0.4 0.4 0.5 0.5 0.5

f) Provident and pension 19.0 19.3 22.5 22.4 18.8 19.2 18.0 14.7 16.7

funds (2.5) (2.3) (2.8) (2.7) (2.1) (2.2) (1.9) (2.1) (2.1)

* Rofjr izkDdyu @ vuafrefVIi.k % dks"Bdksa esa fn, x, vkadM+s fo|eku cktkj ewY;ksa ij th-Mh-ih- dk izfr'kr gSAÐksr % lSaVªy LVsfVfLVdy vkxsZukbts'kuA

foÙkh; cpr (ldy)

(d) eqnzk

([k) fu{ksi

i) cSadksa esaii) xSj cSaddkjh

daifu;ksa esaiii) lgdkjh cSadksa vkSj

lkslkbfV;ksa esaiv) O;kikj ½.k ('kq¼)

(x) 'ks;j vkSj fMcSapj

i) futh fuxferdkjckj

ii) lgdkjh cSad vkSjlkslkbfV;ka

iii) ;w Vh vkbZ dh ;wfuViv) ih ,l ;w ds caèki=kv) ikjLifjd fufèk

(;w Vh vkbZ ls fHkUu)(?k) ljdkj ij nkos

i) ljdkjh izfrHkwfr;ksa esafuos'k

ii) vYi cprksa vkfn esa fuos'k] vkfn

(Ä) chek fufèk;ka

i) thou chek fufèk;kaii) Mkd chekiii) jkT; chek

(p) Hkfo"; vkSj isa'kufufèk;ka


3rd

jh

34

lkj.kh � 4

Hkkjr dk leLr lank;k sa dk vfr'k s"k

djk sM+ #i, esa 10 djksM+ vesfjdh Mkyj esa

en 2002-03 2001-02 2000-01 2002-03 2001-02 2000-01

1 2 3 4 5 6 7

A. Current Account1. Exports, f.o.b. 2,56,352 2,14,351 2,05,287 53,000 44,915 44,8942. Imports, c.i.f. 3,16,702 2,74,778 2,70,663 65,474 57,618 59,2643. Trade Balance (60,350) (60,427) (65,376) (12,474) (12,703) (14,370)4. Invisibles, net 78,275 64,161 48,975 16,182 13,485 10,780

a) �Non-Factor� Services 29,995 21,960 11,401 6,206 4,577 2,478of which, Software Exports 46,427 36,036 29,014 9,600 7,556 6,341b) Income (23,617) (17,467) (22,384) (4,882) (3,601) (4,832)c) Private Transfers 69,924 57,821 58,412 14,448 12,125 12,798d) Official Transfers 1,973 1,847 1,546 410 384 336

5. Current Account Balance 17,925 3,734 (16,401) 3,708 782 (3,590)B. Capital Account

1. Foreign Investment, net (a+b) 21,918 31,877 27,245 4,555 6,692 5,862a. Direct Investment of which * : 17,412 22,588 15,413 3,611 4,741 3,272

i. In India 22,575 29,192 18,414 4,660 6,131 4,029Equity 13,091 18,658 10,964 2,700 4,095 2,400Re-invested earnings 7,250 8,710 6,175 1,498 1,646 1,350Other Capital 2,234 1,824 1,275 462 390 279

ii. Abroad (5,163) (6,604) (3,001) (1,049) (1,390) (757)Equity (2,051) (2,701) (1,586) (424) (570) (344)Re-invested earnings (2,600) (3,329) (1,076) (519) (699) (339)Other Capital (512) (574) (339) (106) (121) (74)

b. Portfolio Investment 4,506 9,289 11,832 944 1,951 2,590In India 4,679 9,617 12,609 979 2,020 2,760Abroad (173) (328) (777) (35) (69) (170)

2. External Assistance, Net (11,745) 5,418 2,001 (2,460) 1,117 410Disbursements 13,392 16,073 13,528 2,773 3,352 2,942Amortisation (25,137) (10,655) (11,527) (5,233) (2,235) (2,532)

3. Commercial Borrowings, net (8,283) (7,476) 17,577 (1,698) (1,576) 3,737Disbursements 13,219 12,896 41,845 2,737 2,696 9,052Amortisation (21,502) (20,372) (24,268) (4,435) (4,272) (5,315)

4. Short Term Credit, net 4,715 (4,236) 321 979 (891) 1055. Banking Capital of which, 39,800 26,671 3,517 8,243 5,592 811

NRI Deposits, net 13,602 13,127 10,567 2,808 2,754 2,3176. Rupee Debt Service (2,303) (2,458) (2,763) (474) (519) (617)7. Other Capital, net @ 16,921 793 (1,223) 3,493 158 (290)8. Total Capital Account 61,023 50,589 46,675 12,638 10,573 10,018

C. Errors & Omissions 3,068 2,269 (2,612) 634 402 (572)D. Overall Balance [A(5)+B(8)+C] 82,016 56,592 27,662 16,980 11,757 5,856E. Monetary Movements (F+G) (82,016) (56,592) (27,662) (16,980) (11,757) (5,856)F. IMF, Net (115) (26)G.Reserves and Monetary Gold (82,016) (56,592) (27,547) (16,980) (11,757) (5,830)

(o`f¼µ] deh$) %* 2000&01 ds i'pkr~ izR;{k fons'kh fuos'k (,iQ Mh vkbZ) ij vkadM+ksa dks] varjjk"Vªh; mÙke O;ogkjksa rd igqap cukus ds fy,] O;kid vkèkkj ds lkFk iqujhf{kr fd;k x;kgSA fiNys o"kZ ds ,iQ Mh vkbZ vkadM+s bu vkadM+ksa ds lkFk rqyuh; ugha gksaxsA@ blesa eq[;r% yhMl varfoZ"V gSa vkSj ;g fu;kZr izkfIr;ksa esa ihNs gSaA bleas lfEefyr dh xbZ vU; ensa gSa] fons'kksa esa èkkfjr fufèk;ka] Hkkjr dh varjjk"Vªh; laLFkkvksa dks vfHknk;]vkbZ ,e ,iQ dks dksVk lank; vkSj vU; dgha lfEefyr ugha fd, x, vU; iawth laO;ogkjksa dh cph gqbZ ensaAfV Ii.kh % 1- futh varj.k izkfIr;ksa eas izfr izfof"V ds lkFk] ykSV jgs Hkkjrh;ksa }kjk yk, x, Lo.kZ vkSj pkanh dks vk;kr esa lfEefyr ugha fd;k x;k gSA

2- fu;kZr vkSj vk;kr lacaèkh vkadM+s] Mhthlh ,aM vkbZ }kjk fn, x, vkadM+ksa ls] buesa lfEefyr oLrqvksa] ewY;kadu vkSj le; esa fHkUurk ds dkj.k fHkUu gSaAÏksr % lSUVªy LVsfVLVhdy laxBuA

v- pkyw [kkrk1- fu;kZr] ,iQ-vks-ch-2- vk;kr] lh-vkbZ-,iQ-3- O;kikj vfr'ks"k4- ijks{k] 'kq¼

d) ^ukSu iSQDVj* lsok,aftles a ls] lkWÝVos;j fu;kZr[k) vk;x) futh varj.k?k) 'kkldh; varj.k

5- pkyw [kkrs esa tekvk- iawth [kkrk

1- 'kq¼ fons'kh fuos'k] (d$[k)d) izR;{k fuos'k ftles a ls·(i) Hkkjr esa

lkE;kiqu%fuosf'kr dekbZvU; iw ath

(ii) fons'k esalkE;kiqu% fuosf'kr dekbZvU; ia wth

[k) iksVZiQksfy;ks fuos'kHkkjr esafons'k esa

2- ckgjh lgk;rk] 'kq¼Hkqxrkuifj'kksèku

3- okf.kfT;d mèkkj] 'kq¼Hkqxrkuifj'kksèku

4- vYidkfyd ½.k] 'kq¼5- cSaddkjh iawth ftles a ls]

,uvkjvkbZ fu{ksi] 'kq¼6- #i;s ½.k lsok7- vU; iwath] 'kq¼@8. dqy iawth [kkrk

b- =kqfV;ka vkSj yksibZ- dqy vfr'ks"k ¹v(5)$vk(8)$bºm- foÙkh; xfrfofèk;ka (Å$,)Å vkbZ ,e ,iQ] 'kq¼, vkjf{kfr;ka vkSj foÙkh; Lo.kZ


3rd

jh

36

lkj.kh � 5

o`grµvkfFk Zd ;ksx (orZeku ewY;k sa ij)(djksM+ #i, esa)

o"k Z 1950-51 1960-61 1970-71 1980-81 1990-91 2000-01 2001-02 2002-03

D;w bZ , b

Population

(million) 359 434 541 679 839 1019 1037 1055

GDP at factor cost 9547 16220 42222 130176 510954 1917724ih 2094013 2236128

Consumption of fixed capital 364 944 2970 12288 53264 197856 217058

NDP at factor cost 9183 15276 39252 117888 457690 1719868 1876955 1998005

Indirect taxes less subsidies 387 947 3455 13586 57720 186574 202036

GDP at market prices 9934 17167 45677 143764 568674 2104298ih 2296049

NDP at market prices 9570 16223 42707 131474 515410 1906442 2078991

Net factor income from (41) (72) (284) 345 (7545) (17414) (12663)

abroad

GNP at factor cost 9506 16148 41938 130521 503409 1900310ih 2081350 2217816

NNP at factor cost 9142 15204 38968 118233 450145 1702454ih 1864292 1979693

GNP at market prices 9893 17095 45393 144107 561129 2086884 2283386

NNP at market prices 9529 16151 42423 131819 507865 1889028 2066328

Private final consumption - - - 113213 381157 1357989 1489883

expenditure (PFCE)

Govt. final consumption 592 1206 4289 14492 66030 264563 294971

expenditure (GFCE)

GDP of public sector - 1609 5802 25525 128398 459635 503606

NDP of public sector - 1392 5473 20533 104087 395345

Personal disposable income# 8876 14638 37891 120642 461192 1790828 1958006

GDCF 866 2470 7043 29230 149536 504738 545091

NDCF 502 1526 4073 16942 96272 306882 328033

GDS 887 1989 6649 27136 131340 491761 549963

NDS 523 1045 3679 14848 78076 293905 332905

Per capita GNP at factor 265 372 775 1922 6000 18649 20071 21022

cost (Rs.)

Per capita NNP at factor 254.7 350.3 720.3 1741.3 5365.3 16707.1ih 17977.7 18765

cost (Rs.)

ih % vufUreD;w b % Rofjr izkDdyu,- b- % vfxze izkDdyu# : mRiknd }kjk lanÙk iQhl] tqekZus vkfn ds i`Fkd vkadM+s miyCèk ugha gSa vkSj ml lhek rd futh O;;uh; vk; dks vuqekur%

'kkfey fd;k x;k gSA

Ïksr % lSUVªy LVsfVLVhdy vkWxZukbts'ku

tula[;k(10 yk[k eas)dkjd ykxr ij thMhihfu;r iwath dk miHkksxdkjd ykxr ij ,uMhihvizR;{k dj vkfFkZd lgk;rk ?kVk djcktkj ewY;ksa ij thMhihcktkj ewY;ksa ij ,uMhihfons'k ls 'kq¼dkjd vk;dkjd ykxr ij th,uihdkjd ykxr ij ,u,uihcktkj ewY;ksa ij th,uihcktkj ewY;ksa ij ,u,uihfuth vfUre miHkksx O;;(ih,iQlhb)ljdkjh vfUre miHkksx O;;(th,iQlhb)ifCyd lSDVj dk thMhihifCyd lSDVj dk ,uMhihO;fDrxr iz;ksT; vk; #thMhlh,iQ,uMhlh,iQthMh,l,uMh,ldkjd ykxr ij izfr O;fDrth,uih (#i,)dkjd ykxr ij izfr O;fDr,u,uih (#i,)


3rd

jh

38

lkj.kh � 6

ewy cktkj lwpdthou vkSj xSj thou cktkjksa dk vkdkj 16 vjc MkWyj

dqy fo'o chek izhfe;e (2001 esa) 2408-25 vjc MkWyj (2000 ls 1-5 izfr'kr de)

o"kZ 2002&03 esa okf"kZd of¼ dh nj thou 11-27 %

xSj&thou 23% (Hkkjr vkSj fons'k esa fuEukafdr izhfe;e)

u, thou chekdÙkkZvksa ds fy, HkkSxksfyd fuc±èku dksbZ ugha] chekdÙkkZ iwjs ns'k esa dk;Z dj ldrs gSa

ubZ Hkkjrh; chek daiuh esa lkE;k fuc±èku fons'kh izorZd 26% rd dh lkE;k dks èkkj.k dj ldrk gS

jftLVªhdj.k fuc±èku la;qDr jftLVªhdj.k miyCèk ugha

jftLVªhÑr daifu;ksa dh la[;k dkjckj dk izdkj ifCyd futh ;k sxlsDVj lsDVj

thou chek 01 12 13lkèkkj.k chek 06 08 14iqu% chek 01 0 01;ksx 08 20 28

thou chekdÙkk Z

ifCyd lsDVj ubZ daifu;ka

1- Hkkjrh; thou chek fuxe 1- ,yk,at ctkt thou chek daiuh fyfefVM2- fcjyk lu&ykbZiQ chek daiuh fyfefVM3- ,pMh,iQlh LVsaMMZ thou chek daiuh fyfefVM4- vkbZlhvkbZlhvkbZ izwMsaf'k;y thou chek daiuh fyfefVM5- vkbZ,uth oL;k thou chek daiuh fyfefVM6- eSDl U;w;kdZ thou chek daiuh fyfefVM7- eSVykbZiQ chek daiuh fyfefVM8- vkse dksVd egsanzk thou chek da- fy-9- ,lchvkbZ thou chek daiuh fyfefVM

10- VkVk ,vkbZth thou chek daiuh fyfefVM11- ,,eih luekj ,';ksjsal da- fy-12- vohok thou chek da- izkbZosV fy-

lkèkkj.k chekdÙkk ZifCyd lsDVj ubZ daifu;ka

1- U;w bafM;k ,';ksjsal da- fy- 1- ctkt ,yk,at lkèkkj.k chek daiuh fyfefVM2- us'kuy chek da- fy- 2- vkbZlhvkbZlhvkbZ ykseckMZ lkèkkj.k chek da- fy-3- vksfj,aVy chek da- fy- 3- bZiQdks&Vksfd;ks lkèkkj.k chek daiuh fyfefVM4- ;wukbVsM bafM;k ,';kjsal da- fy- 4- jkW;y lqUnje ,yk,at chek da- fy-

5- fjyk,al lkèkkj.k chek daiuh fyfefVM6- VkVk ,vkbZth lkèkkj.k chek daiuh fyfefVM7- pksykeaMye ,e,e lkèkkj.k chek da- fy-8- ,pMh,iQlh pc lkèkkj.k chek da- fy-9- ,DliksVZ ØsfMV xkjaVh fuxe

10- ·Hkkjrh; Ñf"k chek fuxe

iqu%chekdrk Z

Hkkjrh; lkèkkj.k chek fuxe

·vDrwcj] 2003 esa izR;kHkwr jftLVªhdj.k


3rd

jh

40

lkj.kh � 7

vkfFk Zd vkSj lkekftd thou

2003 esa tula[;k nl yk[k esa 1055

lrg dk {ks=kiQy 100 oxZ fd-eh- 3287

izfr oxZ fd-eh- O;fDr 321

2003 esa th,uih vjc MkWyj esa 320

th,uih dk fo'o esa LFkku 11

th,uih esa vkSlr okf"kZd of¼ (%) 5.3

thMhih esa vkSlr okf"kZd % of¼ 4.3

(2001 esa) thMhih ds % :i eas LokLF; ij yksd O;; 5.2

thMhih ds % :i esa f'k{kk ij yksd O;; 3.99

tUe ysus okys izR;sd 1000 thfor cPpksa esa eR;q la[;k 59.59 eR;q izfr / 1000 thfor tUeksa ij (2003)

Ïksr % vkfFkZd losZ{k.k 2002-03; fo'o fodkl fjiksVZ 2002; vkjchvkbZ

lkj.kh - 8(i)

tulkaf[;dh #> ku vkSj iz{k si.k - I**

1996 2001 2006 2011

dqy tula[;k (nl yk[k esa) 934.22 1012.39 1094.13 1178.89

'kgjh tula[;k (%) 27.23 28.77 30.35 31.99

fyax vuqikr (izfr 100 efgykvksa ij iq#"kksa dh la[;k) 107.9 107.2 106.6 106

lkj.kh - 8(ii)

tulkaf[;dh #> ku vkSj iz{k si.k - II**

1996�2001 2001�2006 2006�2011

tula[;k of¼ nj (% izfro"kZ) 1.62 1.57 1.5

tUe ij thou izR;k'kk (iq#"k@o"kZ) 62.36 63.87 65.65

tUe ij thou izR;k'kk (efgyk,a@o"kZ) 65.27 66.91 67.67

** Ïksr tux.kuk vkadM+s


3rd

jh

42

[k- chek cktkj dk ewY;kadu

Hkkjr ljdkj us vizSy] 1993 esa chek {ks=k esa lqèkkjksa lacaèkh

,d lfefr fu;qDr dh FkhA lfefr dk xBu] ml le;

vFkZO;oLFkk esa vk jgs lajpukRed ijforZuksa dks è;ku eas j[krs

gq, ,d vfèkd n{k vkSj izfr;ksxh foÙkh; ra=k dks cukus ds

mís'; ls cSafdax {ks=k vkSj iawth cktkjksa lfgr foÙkh; lqèkkjksa ds

{ks=k esa dh xbZ igyksa esa ls ,d FkkA fpark ds fo"k;ksa esa chek

daifu;ksa dk] jkT; ,dkfèkdj.kksa ds :i esa fcuk fdlh izfr;ksfxrk

ds cus jguk] ftlds dkj.k xzkgd dks O;kid mRikn miyCèk

u gks ikuk_ chek m|ksx esa Hkkjr ljdkj dk ,dek=k i.kèkkjh

cus jguk_ ,d ckj bl {ks=k ds mnkjhdj.k ds i'pkr~ chek

dkjckj ds fy, izHkkoh fofu;ked ra=k dh iqu% LFkkiuk djuk_

vkSj ljdkj vkKkid fuos'kksa ds ekè;e ls chek m|ksx dh

fufèk;ksa dk mPp iwoZØ; vfèkdkj lfEefyr FksA pawfd chek

daifu;ksa ds foÙkh; ifj.kkeksa dk chek izhfe;e vkSj thou

chek esa fuos'k dh xbZ cprksa dh vkenuh ij izHkko iM+rk gS]

blfy, lwpuk izkS|ksfxdh ds vkèkkj ij csgrj izcaèku] xzkgd

lsok] n{krk vkSj izfr;ksfxrk lqfuf'pr djus ds lkFk gh lgh

fuos'k voljksa dks [kkstus dh vko';drk FkhA jkT; ds

LokfeRo okys chekdÙkkZvksa us bu fo"k;ksa ij dksbZ è;ku ugha

fn;k FkkA

vkt fofu;ked fudk; ds xBu dks rhu o"kZ ls dqN vfèkd

gh le; gqvk gS vkSj cktkj esa lÙkkbl daifu;ka fo|eku gSaA

futh vkSj ifCyd nksuksa lSDVj dh daifu;ka ,dleku ifjfLFkfr;ksa

esa dk;Z dj jgh gSaA futh daifu;ksa us m|ksx esa deku laHkkyh

gS vkSj Lo;a ds fy, ,d vPNk cktkj LFkkfir dj fy;k gSA

foÙkh; o"kZ 2000&01 eas 11 daifu;ksa dks] 2001&02 esa 6

daifu;ksa dks vkSj o"kZ 2002&03 esa 4 daifu;ksa dks jftLVªhdj.k

eatwj fd;k x;k FkkA blds vfrfjDr lkèkkj.k chek fuxe (th

vkbZ lh) dks jk"Vªh; iqu% chekdÙkkZ ds :i esa inkfHkfgr fd;k

x;k gSA tgka foÙkh; o"kZ 2001&02 eas futh {ks=k dh X;kjg

daifu;ksa us thou chek fuEukafdr fd;k] ogha o"kZ 2002&03

ds nkSjku futh daifu;ksa dh la[;k c<+dj ckjg gks xbZA blh

vofèk ds nkSjku xSj&thou [kaM esa u, jftLVªhÑr chekdÙkkZvksa

dh la[;k] fiNys o"kZ dh N% ls c<+dj ukS gks xbZA pkyw

foÙkh; o"kZ ds nkSjku Hkkjrh; Ñf"k chek daiuh fyfeVsM dks

vuqKfIr tkjh dh xbZ gSA chek m|ksx ds fy, ewy cktkj

lwpd lkj.kh 6 esa fn, x, gSaA

O;kid viz;qDr voljksa ds dkj.k Hkkjrh; chek m|ksx us iwjs

fo'o ds fy, bruk vkd"kZ.k mRiUu fd;k gS fd lqLFkkfir

fons'kh chekdÙkkZ ns'k esa] 26 izfr'kr ds lkE;k i.k ds lkFk

vYi Hkkxhnkj ds :i esa Hkh O;kikj LFkkfir djus ds fy,

vkxs vk, gSaA fons'kh i.kèkkjh vius lkFk varjjk"Vªh; cktkj

O;ogkj vkSj rduhdsa yk, gSa] ftuls varr% xzkgdksa dks gh

ykHk feysxkA fons'kh Hkkxhnkjksa ds izos'k ds ifj.kkeLo:i bl

lSDVj esa 31 ekpZ] 2003 rd 739-19 djksM+ #i, dk izR;{k

fons'kh fuos'k (30 flracj 2003 dks izR;{k fons'kh fuos'k

825-44 djksM+ #i, Fkk) gqvk gSA 31 ekpZ] 2003 dks chek

m|ksx esa 27 daifu;ksa dh leknÙk lkE;k 4172-13 djksM+ #i,

Fkh (ns[ksa mikcaèk&2)

{ks=k ds [kksys tkus dk ,d ifj.kke ;g Hkh gqvk gS fd

daifu;ka p;u vkSj izfr;ksfxrk dh cktkj ekaxksa dks iwjk dj

jgh gSaA ,slh rkdrksa dks] tks mRiknksa vkSj uohurk dh iqu#fLFkr

ekax dks lkeus yk,] jk"Vªh;dj.k ds iQk;nksa] vFkkZr cktkj dk

izlkj] vkSj laiw.kZ ns'k esa dkjckj dh izkÑfrd igaqp vkSj

bldh etcwrh ij [kM+k fd;k tkuk FkkA tksf[keksa ds fo#¼

oguh; chek laj{kk miyCèk djk, tkus ds lkFk&lkFk] daifu;ksa

dh miyfCèk;ksa dk] muds }kjk lekt ds fofufnZ"V oxks± ds

fy, mísf';r rS;kj mRiknksa dks ykdj] rduhdh dkS'ky ds

mUu;u ds fy, vkèkqfud O;ogkjksa dks viukdj vkSj ldy

?kjsyw mRikn ds fucaèkuksa esa chek cktkj esa xgjh iSB cukdj]

cktkj dh vko';drkvksa ds izfr mudh laosnu'khyrk ds

fucaèkuksa esa ewY;kadu djuk pkfg,A ;|fi LokLF; chek vHkh

rd vfèkd izpfyr ugha gks ldk gS] igyh ckj cktkj esa

lewg LokLF; mRikn yk, x, gSa vkSj mUgsa vPNs xzkgd feys

gSaA

lkekftd&vkfFkZd ifjorZu] èkeZ esa of¼] f'k{kk vkSj chek

vko';drkvksa ds izfr tkx:drk ,sls vU; dkjd gSa] ftUgksaus


3rd

jh

44

Hkkjrh; cktkj esa chek dh c<+rh gqbZ igqap dk leFkZu fd;k

gSA m|ksx bl rF; dh ijNkbZ ls ckgj vkus dks rRij gS fd

thou chek {ks=k esa of¼ dj NwV ds dkj.k gS vkSj xSj&chek

{ks=k eas ;g of¼ dkuwuh chek vis{kkvksa ds dkj.k gSA bl ckr

ds ladsr gSa fd ubZ daifu;ksa ds vkus ls chek ?kuRo (izfr

O;fDr izhfe;e) vkSj chek dh igqap (izhfe;e ldy ?kjsyw

mRikn ds izfr'kr ds :i esa] dks c<+kok feyk gSA fLol js }kjk

o"kZ 2001 ds fy, izdkf'kr vkadM+ksa ds vkèkkj ij ;s ek=k

Øe'k% 11-5 vejhdh Mkyj vkSj ldy ?kjsyw mRikn dk

2-71 izfr'kr FksA o"kZ 2001 ds fy, fo'o vkSlr Øe'k% 393-3

vejhdh Mkyj vkSj 7-83 izfr'kr FkhA chek ?kuRo eas Hkkjr dk

LFkku 78oka vkSj chek igqap esa 49oka gSA o"kZ 2001 esa

vkS|ksfxd :i ls fodflr ns'kksa esa thou vkSj xSj&thou] nksuksa

{ks=kksa esa fo'o chek izhfe;e vk; dk 90 izfr'kr mnHkwr gqvkA

991 vjc vejhdh Mkyj dh izhfe;e ds lkFk mÙkjh vesfjdk

izFke LFkku ij Fkk vkSj blds i'pkr~ if'peh ;wjksi (740

vjc vejhdh Mkyj) vkSj vks'kfu;k (36 vjc vejhdh

Mkyj) dk LFkku FkkA thou chek igqap 5-4 izfr'kr Fkh]

tcfd thou chek ij izfr O;fDr [kpZ 1396 vejhdh MkyjFkkA o"kZ 2001 esa tkikfu;ksa us thou chek ij lokZfèkd [kpZ(2806 vejhdh Mkyj) fd;k] blds i'pkr~ fLol (2716vejhdh Mkyj) vkSj fczfV'k (2568 vejhdh Mkyj) dkLFkku jgkA ;w-ds- esa chek igqap (10-7 izfr'kr) dk LrjlokZfèkd jgk] blds i'pkr~ tkiku dk LFkku (8-9 izfr'kr)jgkA xSj&thou chek esa] vkS|ksfxÑr ns'kksa esa igqap dk vkSlrLrj 3-6 izfr'kr Fkk] vkSj vkSlr izfr O;fDr O;; 919vejhdh Mkyj FkkA izfr O;fDr O;; esa vejhdk izFke (1644vejhdh Mkyj) Fkk] blds i'pkr~ fLoVtjySaM (1627 vejhdhMkyj) dk LFkku FkkA nwljh vksj igqap dks ns[krs gq, fLoVtjySaM4-8 izfr'kr ds igqap Lrj ds lkFk lcls vkxs Fkk] tcfdvejhdk dh n'kk esa ;g 4-6 izfr'kr FkkA

lkj.kh 9(i) vkSj (ii) fo'o ds pquhank ns'kksa esa 1999 ls2001 rd ds o"kks± esa chek m|ksx dh igqap vkSj ?kuRo lacaèkhvkadM+s miyCèk djkrh gSaA


3rd

jh

46

lkj.kh � 9(i)

chek igqap & varjjk Z"V ªh; rqyuk

ns'k chek igqap chek igqap chek igqap(th Mh ih ds izfr'kr (th Mh ih ds izfr'kr (th Mh ih ds izfr'kr

ds :i esa izhfe;e � 1999) ds :i esa izhfe;e � 2000) ds :i esa izhfe;e � 2001)

;ksx xSj&thou thou ;k sx xSj&thou thou ;k sx xSj&thou thou

8.55 4.32 4.23 8.76 4.28 4.48 8.97 4.57 4.40

6.49 3.31 3.19 6.56 3.28 3.27 6.42 3.45 2.97

2.01 1.66 0.35 2.11 1.75 0.36 2.14 1.78 0.36

1.68 0.86 0.82 1.72 0.85 0.86 1.81 0.95 0.86

3.78 1.13 2.65 4.07 1.15 2.92 4.23 1.30 2.93

13.35 3.05 10.30 15.78 3.07 12.71 14.18 3.45 10.73

6.52 3.55 2.96 6.54 3.55 3.00 6.59 3.60 3.00

8.52 2.82 5.70 9.40 2.81 6.59 8.58 2.85 5.73

2.13 1.34 0.78 2.42 1.29 1.13 3.06 1.51 1.55

11.17 2.30 8.87 10.92 2.22 8.70 11.07 2.21 8.85

11.28 2.89 8.39 13.05 3.16 9.89 12.07 3.38 8.69

1.63 0.61 1.02 1.79 0.67 1.12 2.20 0.86 1.34

1.93 0.54 1.39 2.32 0.55 1.77 2.71 0.56 2.15

3.88 1.72 2.16 3.72 1.59 2.13 5.18 1.80 3.38

1.42 0.76 0.66 1.18 0.64 0.54 1.13 0.60 0.53

16.54 2.62 13.92 16.86 2.83 14.04 17.97 2.78 15.19

0.95 0.88 0.07 0.66 0.53 0.13 0.71 0.56 0.14

3.26 2.48 0.78 2.63 1.91 0.72 2.70 1.87 0.82

9.82 3.39 6.43 9.41 3.37 6.04 9.15 3.44 5.70

Ïksr % fLol js] flx~ek [kaM 9/2000, 6/2001 vkSj 6/2002

vesfjdk

dukMk

czkthy

eSfDldks

fpyh

;wukbZfVM fdaxMe

teZuh

Úkal

:l

tkiku

nf{k.kh dksfj;k

phu x.kjkT;

Hkkjr

eysf'k;k

bUMksusf'k;k

nf{k.k vÚhdk

ukbZthfj;k

dhfu;k

vkLVªsfy;k


3rd

jh

48


3rd

jh

50

lkj.kh � 9(ii)

chek igqap & varjjk Z"V ªh; rqyuk

ns'k chek ?kuRo chek ?kuRo chek ?kuRo(izfr O;fDr izhfe;e (izfr O;fDr izhfe;e (izfr O;fDr izhfe;e

vejhdh Mkyj esa � 1999) vejhdh Mkyj esa � 2000) vejhdh Mkyj esa � 2001)

;ksx xSj&thou thou ;k sx xSj&thou thou ;k sx xSj&thou thou

2921.1 1474.4 1446.6 3152.1 1540.7 1611.4 3266.0 1664.1 1602.0

1375.3 700.6 674.6 1516.8 759.6 757.2 1460.4 784.6 675.9

68.6 56.7 11.8 75.6 62.7 12.9 64.0 53.2 10.8

84.6 43.3 41.3 101.2 50.4 50.8 112.6 59.4 53.2

163.0 48.7 114.3 175.8 49.7 126.0 176.4 54.3 122.1

3244.3 741.5 2502.8 3759.2 730.7 3028.5 3393.8 825.9 2567.9

1675.7 913.5 762.2 1491.4 808.5 683.0 1484.2 809.9 674.3

2080.9 688.6 1392.3 2051.1 613.7 1437.4 1898.8 630.6 1268.2

26.8 17.0 9.9 41.8 22.3 19.5 65.8 32.6 33.2

3908.9 805.5 3103.4 3973.3 808.2 3165.1 3507.5 701.1 2806.4

1022.8 262.3 760.5 1234.1 298.5 935.6 1060.1 296.7 763.4

13.3 5.0 8.3 15.2 5.7 9.5 20.0 7.8 12.2

8.5 2.4 6.1 9.9 2.3 7.6 11.5 2.4 9.1

140.4 62.3 78.1 150.9 64.6 86.4 198.3 68.7 129.5

9.5 5.1 4.4 8.6 4.6 4.0 7.7 4.1 3.6

490.9 77.9 413.0 472.1 79.1 392.9 446.3 69.1 377.2

2.6 2.4 0.2 2.0 1.6 0.4 2.3 1.8 0.5

9.9 7.5 2.4 8.9 6.5 2.4 9.4 6.6 2.9

2037.4 703.8 1333.6 1859.3 665.8 1193.5 1668.3 628.0 1040.3

Ïksr % fLol js] flx~ek [kaM 9/2000, 6/2001 vkSj 6/2002

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nf{k.k vÚhdk

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3rd

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3rd

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(i) thou chekfoÙkh; o"kZ 2002&03] vfèkdka'k ubZ thou chek daifu;ksa dsfy, lafØ;kvksa dk nwljk laiw.kZ o"kZ Fkk] foÙkh; o"kZ ds varrd futh daifu;ksa dh la[;k c<+dj ckjg gks xbZ Fkh vkSj osHkkjrh; thou chek fuxe (,y vkbZ lh) dh izfr;ksxh FkhaAm|ksx }kjk o"kZ 2002&03 ds nkSjku 55]738-11 djksM+ #i;sdk izhfe;e fuEukafdr fd;k x;k Fkk] ftlesa ,y vkbZ lh us54]628-49 djksM+ #i, dk vkSj futh daifu;ksa us 1109-62djksM+ #i, dk izhfe;e fuEukafdr fd;k FkkA fiNys o"kZ dsvkadM+s Øe'k% 50094-45 djksM+ #i,] 49821-91 djksM+ #i,vkSj 272-54 djksM+ #i, FksA dqy feykdj m|ksx esa fiNyso"kZ esa fjdkMZ dh xbZ 43-54 izfr'kr of¼ ds eqdkcysfuEukafdr ldy izhfe;e ds fucaèkuksa esa 11-27 izfr'kr dhof¼ gqbZA o"kZ 2002&03 esa of¼ nj esa fxjkoV dk ewY;kadubl lanHkZ esa djuk gksxk fd iwoZ o"kZ bl fygkt ls ,dvlkekU; o"kZ FkkA foÙkh; o"kZ 2001&02 esa] ,y vkbZ lh us]ftlus ml o"kZ esa dkjckj dk 99-46 izfr'kr fuEukafdr fd;kFkk] thou Jh] chek fuos'k] ,dy izhfe;e vkSj O;f"V isa'ku;kstuk tSlh izR;kHkwr mPp vkenuh dh ;kstukvksa dk izLrkofd;k FkkA of¼ nj esa deh] foÙkh; o"kZ 2002&03 esa buLdheksa dks gVk fy, tkus ds dkj.k gks ldrh gSA ,y vkbZ lhds dkjckj esa of¼ dh nj iwoZ o"kZ dh 42-79 izfr'kr dseqdkcys ?kVdj 9-65 izfr'kr jg xbZA 1998&99 ls 2000&01ds o"kks± ds nkSjku ,y vkbZ lh ds dk;Zikyu ds iqufoZyksduls ;g vkSj irk pyrk gS fd blus 18 vkSj 25 izfr'kr dschp dh of¼ nj ntZ dh gSA blds foijhr futh chekdÙkkZvksaus o"kZ ds nkSjku 307-15 izfr'kr dh of¼ ntZ dhA ubZdaifu;ksa }kjk ntZ Hkkjh of¼ nj va'kr% bl dkj.k gks ldrhgS fd foÙkh; o"kZ 2001&02 esa mudk dkjckj dkiQh de FkkA

fiNys nks o"kZ esa] fo'ks"kdj pkyw o"kZ esa futh daifu;ksa dsdk;Zikyu us ;g nf'kZr fd;k gS fd muesa u, cktkjksa dkl`tu djus vkSj mUgsa laHkkyus dk lkeF;Z gSA ;|fi futhdaifu;ksa us o"kZ 2002&03 ds fy, bl {ks=k esa fuEukafdr dqyizhfe;e esa ls dsoy 2 izfr'kr gh fuEukafdr fd;k] fiQj HkhegRoiw.kZ :i ls dqy fuEukafdr dkjckj esa 11-27 izfr'krof¼ gqbZA rqyukRed :i ls futh daifu;ksa dk iwoZ o"kZ esafuEukafdr dqy dkjckj esa ,d izfr'kr ls Hkh de dk va'kFkkA oLrqr% u, chekdÙkkZvksa us vko';d :i ls fo|eku va'kesa ls va'kHkktu ugha fd;k gS] vfirq va'k ds vkdkj esa ghof¼ gqbZ gSA u, ekxks± dk l`tu fd;k x;k gS vkSj dkjckj dsvoljksa dh ryk'k dh xbZ gSA blls ns'k esa xfr'khy rFkk

miHkksDrk ds fy, vuqdwy chek dkjckj ifjfLFkfr;ksa dsLFkkfir gksus dh laHkkouk gSA

cktkj esa va'k ds vuqlkj] thou cktkj ds 98 izfr'kr ij ,yvkbZ lh dk dCtk Fkk vkSj 12 ubZ daifu;ksa dk fgLlk 2izfr'kr ls Hkh de jgkA blds eqdkcys fiNys o"kZ ,y vkbZlh ds ikl o"kZ 2001&02 esa cktkj dk 99-46 izfr'kr va'kFkkA futh daifu;ksa }kjk fuEukafdr dkjckj dh rqyuk ls ;gvkSj irk pyrk gS fd muesa ls de ls de rhu daifu;ka Lo;adks cktkj esa LFkkfir djus esa liQy jgh gSa] tcfd buesa lsdqN dks vHkh liQy gksuk gSA

o"kZ 2002&03 ds fy, ,y vkbZ lh ds fodkl #>ku ;gnf'kZr djrs gSa fd o"kZ 2001&02 esa chekdÙkkZ dk izFke o"kZdk izhfe;e 10492-72 djksM+ #i, ls c<+dj 10630-80djksM+ #i, gks x;k] vFkkZr blesa ek=k 1-32 izfr'kr dh of¼gqbZA o"kZ 2001&02 esa ,y vkbZ lh ds izFke o"kZ ds izhfe;eesa 50-69 izfr'kr dh of¼ gqbZ FkhA ldy izhfe;e esa] tksfiNys o"kZ 9076-05 djksM+ #i, Fkk] 41-23 izfr'kr dh dehvkbZ vkSj og 2002&03 esa ?kVdj 5345-96 djksM+ #i, jgx;kA fiNys o"kZ blesa 232 izfr'kr dh of¼ gqbZ FkhA uohdj.kksads eís 38651-73 djksM+ #i, dk izhfe;e ,df=kr fd;k x;kFkk] fiNys o"kZ ds fy, ;g jkf'k 30233-14 djksM+ #i, FkhvkSj blesa fiNys o"kZ dh 20-02 izfr'kr dh of¼ dh rqyukesa 27-87 izfr'kr dh of¼ gqbZA

o"kZ 2002&03 ds fy, ckjg futh daifu;ksa ds fodkl #>ku;g minf'kZr djrs gSa fd izFke o"kZ dk izhfe;e] tks fiNyso"kZ 170-49 djksM+ #i, Fkk] bl o"kZ c<+dj 629-95 djksM+#i, gks x;k] vFkkZr~ blesa 269-50 izfr'kr dh of¼ gqbZA futhdaifu;ksa ds izFke o"kZ izhfe;e esa o"kZ 2001&02 esa 45 xqukof¼ gqbZ Fkh (;gka ;g mYys[kuh; gS fd o"kZ 2000&01 esadsoy dqN daifu;ksa us gh dqN ekl ds fy, lafØ;k,a dh FkhaA,dy izhfe;e esa] tks iwoZ o"kZ 98-02 djksM+ #i, Fkk] 235izfr'kr dh of¼ gqbZ vkSj og 2002&03 esa c<+dj 328-18djksM+ #i, gks x;kA fiNys o"kZ bleas 35 xq.kk of¼ gqbZ FkhAuohdj.kksa ds eís 151-49 djksM+ #i, dh jkf'k ,df=kr dh xbZFkh vkSj ;g fiNys o"kZ dh 4-03 djksM+ #i, dh jkf'k ls36-55 xquk vfèkd FkhA

chekdÙkkZvksa }kjk izLrqr okf"kZd fjiksVks± ls ,df=kr vkadM+ksa ls;g irk pyrk gS fd thou chekdÙkkZvksa ds izFke o"kZ dsizhfe;e ij izFke o"kZ dh nykyh tks iwoZ o"kZ esa 25-56izfr'kr Fkh vkSlru 25-33 izfr'kr jghA ,y vkbZ lh dh n'kk


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esa ;g vuqikr 25-51 izfr'kr jgk vkSj futh chekdÙkkZvksa dsfy, la;qDr ;ksx fiNys o"kZ ds Øe'k% 25-52 izfr'kr vkSj27-83 izfr'kr dh rqyuk eas 22-24 izfr'kr jgkA foÙkh; o"kZ2002&03 esa ,y vkbZ lh ds fy, uohdj.k izhfe;e dkuohdj.k nykyh izhfe;e ls vuqikr] iwoZ o"kZ ds 5-63 izfr'krdh rqyuk esa 5-80 izfr'kr FkkA futh chekdÙkkZvksa ds fy,rRleku vkadM+s Øe'k% 6-06 izfr'kr vkSj 6-83 izfr'kr FksAm|ksx esa foÙkh; o"kZ 2002&03 eas ,dy izhfe;e nykyh dk,dy izhfe;e ls vuqikr 1-16 izfr'kr Fkk] fiNys o"kZ ;g 1-54izfr'kr FkkA ,y vkbZ lh vkSj futh daifu;ksa ds fy, fiNysnks o"kks± ds rRleku vkadM+s Øe'k% 1-16 izfr'kr vkSj 1-54izfr'kr_ rFkk 1-14 izfr'kr vkSj 1-39 izfr'kr FksA futhdaifu;ksa dh n'kk esa c<+rh izhfe;e jkf'k ds ckotwn nykyhdh jkf'k esa deh vkus dk #>ku futh daifu;ksa dh] mudsforj.k ekxks± dks O;kid cukus ds fy, mik; djus vkSj lkèkuviukus vkSj muds ykxr izHkkj esa lqèkkj djus vkSj lkFk ghmRiknuksa dh O;kid jsat izLrqr djus dh j.kuhfr dh vksjladsr djrk gSA

thou chek m|ksx }kjk dqy ,df=kr izhfe;e dk dqy lanÙknykyh vkSj izpkyu O;;ksa ls vuqikr] fiNys o"kZ ds 18-54izfr'kr dh rqyuk esa 18-90 izfr'kr FkkA ,y vkbZ lh vkSjfuth daifu;ksa ds fy, fiNys nks o"kZ ds rRleku vkadM+s Øe'k%17-55 izfr'kr vkSj 17-62 izfr'kr rFkk 85-59 izfr'kr vkSj187-15 izfr'kr FksA futh daifu;ksa dh n'kk esa izpkyu O;;]fo'ks"kdj izpkyu ds izFke o"kZ esa dkiQh vfèkd gSaA ;|fidaifu;ka vHkh viuh lafØ;k,a LFkkfir dj jgh gSa] fiQj HkhlafØ;kvksa ds fLFkjhdj.k vkSj fuEukafdr izhfe;e esa of¼ dsdkj.k O;;ksa ds izhfe;e ls vuqikr esa èkhjs&èkhjs deh vk jghgSA

chekdÙkkZvksa ds lanÙk iQk;nksa ls lacafèkr vkadM+s ;g minf'kZrdjrs gSa fd o"kZ 2002&03 esa] fiNys o"kZ esa lanÙk 1784-11djksM+ #i, dh rqyuk esa 20564-36 djksM+ #i, dk lank;fd;k x;kA 2002&03 esa iqu% chek ds vfrfjDr lanÙk iQk;nksadh jkf'k 20544-71 djksM+ #i, vkSj o"kZ 2001&02 esa ;g17479-52 djksM+ #i, FkhA iqu% chek ds ekè;e ls fiNys nkso"kZ eas Øe'k% 0-10 izfr'kr vkSj 0-03 izfr'kr iQk;nksa dklank; fd;k x;k FkkA thou {ks=k esa] tksf[ke dk vfèkdka'kHkkx thou chekdÙkkZ }kjk izfrèkkfjr fd;k tk jgk gS] tksxSj&thou chek m|ksx esa izpfyr O;ogkj ds foijhr gSAizfrèkkfjrk la?kVd lkèkkj.k chek cktkj dh rqyuk esa thouchek m|ksx dh tksf[ke izfrèkkfjr djus ds lkeF;Z nf'kZr

djrk gS vkSj iqu% chek cktkj esa fdlh cM+s mrkj&p<+ko dhn'kk esa thou {ks=k ij vfèkd izHkko ugha iM+sxkA futh {ks=k dschekdÙkkZvksa dks pawfd vHkh de gh le; gqvk gS] blfy,muds ikl dksbZ cM+s nkos ugha gSaA ckjg futh chekdÙkkZvksa }kjko"kZ 2002&03 vkSj 2001&02 esa Øe'k% 17-99 djksM+ #i,vkSj 3-04 djksM+ #i, ds dqy iQk;nksa dk lank; fd;k x;kA,y vkbZ lh dh n'kk eas mDr vkadM+s Øe'k% 20546-36 djksM+vkSj 17481-07 djksM+ #i, FksA layXu xzkiQ thou chek m|ksxesa izhfe;e vk;] nykyh vkSj izpkyu O;;ksa ds #>ku iznf'kZrdjrs gSaA

thou chekdÙkkZvksa ds jktLo ys[kk] ykHk vkSj gkfu ys[kk rFkkrqyu i=k lkj.kh 10 ls 12 esa gSaA ,y vkbZ lh ds lh vkj ,lh dkjckj ds fy, jktLo ys[kk] ykHk vkSj gkfu ys[kk rFkkrqyu i=k lkj.kh 13 ls 15 ij gSaA

2003-04 dh igyh Nekgh ds nkSjku dk;Zfu"iknu

pkyw foÙkh; o"kZ 2003&04 dh izFke Nekgh esa thou chekdÙkkZvksaus 8738024 ikfyfl;ksa ds fy, 5435-96 djksM+ #i, dkizFke o"kZ izhfe;e fuEukafdr fd;k gSA O;f"V {ks=k esa ,y vkbZlh izhfe;e ds fucaèkuksa esa 88 izfr'kr vkSj ikfyfl;ksa dsfucaèkuksa esa 94 izfr'kr dkjckj fd;kA bldh rqyuk esa futhchekdÙkkZvksa us 12 izfr'kr izhfe;e vkSj 6 izfr'kr ikfyfl;ksaij viuh idM+ etcwr dhA lewg dkjckj ds {ks=k eas ,y vkbZlh izhfe;e dk 93-63 izfr'kr vkSj ikfyfl;ksa dk 93 izfr'krizkIr fd;kA bl vofèk ds nkSjku lewg dkjckj esa ckjg futhchekdÙkkZ dsoy 6-37 izfr'kr izhfe;e vkSj fuEukafdr ikfyfl;ksads 7 izfr'kr rd gh lhfer jgsA

tqykbZ 2003 esa ,y vkbZ lh }kjk vkjEHk dh xbZ ofj"B isa'kuchek ;kstuk ds vèkhu pkyw foÙkh; o"kZ dh izFke Nekgh esa132022 ikfyfl;ksa ds fy, 2281-42 djksM+ #i, dk izhfe;e,df=kr fd;k x;kA ;g dkjckj ,y vkbZ lh }kjk vizSy&flrEcj]2003 ds nkSjku izkIr dqy izFke o"kZ dkjckj izkfIr;ksa] ftudsvarxZr ,dy izhfe;e Hkh gS] dk 47 izfr'kr gSA

futh daifu;ksa us pkyw foÙkh; o"kZ dh izFke Nekgh ds nkSjkufiNys o"kZ ds nkSjku fd, x, izFke o"kZ izhfe;e (,dyizhfe;e lfgr) dkjckj dk 62 izfr'kr dkjckj fuEukafdr djfy;k FkkA bldh rqyuk esa ,y vkbZ lh us blds }kjk 2002&03dh 12 ekl dh vofèk esa blds }kjk fd, x, dkjckj dkek=k 30 izfr'kr gh fuEukafdr fd;k FkkA ikjaifjd :i ls ,yvkbZ lh dk vfèkdka'k dkjckj fdlh Hkh o"kZ dh vafre frekgh


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esa gh fuEukafdr gksrk gSA cktkj 'ks;j ds lanHkZ esa] flracj2003 dks lekIr gqbZ Nekgh ds nkSjku izhfe;e ds eís futhchekdÙkkZvksa dk cktkj 'ks;j foÙkh; o"kZ 2002&03 ds 5-66izfr'kr dh rqyuk esa c<+dj 10-95 izfr'kr gks x;k gSA

dqy feykdj] chekdÙkkZvksa us O;f"V;ksa@lewgksa dh fofufnZ"Vvko';drkvksa dks iwjk djus ds mís'; ls dbZ uohu mRiknvkjaHk fd, FksA iwoZ rS;kj mRiknksa ds LFkku ij ,sls thou cheklekèkku yk, tk jgs gSa] tks vko';drkvksa ds vuqlkj ueuh;gSaA tulkèkkj.k ds fy, yk, tkus okys mRiknksa dks vafre :insus dk ewy ea=k gS] ljyrk vkSj uohurkA mRiknksa dks ^ckyd**{ks=k dh vko';drkvksa dks iwjk djus ds fy, dqVqac vk;iQk;nksa tSlh uohurk ds lkFk Hkh izLrqr fd;k x;k gSA m|ksxesa dbZ u, mRikn izLrqr fd, x, gSa] buesa thou chekdÙkkZvksa}kjk yk, x, izR;kHkwr of¼ okys mRikn Fks] ftUgsa ckn esa gVkfy;k x;kA of¼ esa deh dh xbZ_ ,dy izhfe;e i¼fr dksyksdfiz; cuk;k x;k] ;wfuV ls lgc¼ mRikn vkjaHk fd, x,Fks_ vkSj nq?kZVuk@eR;q_ viaxrk] xaHkhj chekjh jkbMj] fu;rdkfydjkbMj] lank; jkbMj] ;k iQk;nk jkbMj] dkfyd ls 60 o"khZ;jkbMj] lewg vLirky vkSj 'kY; fØ;k jkbMj] vLirky udniQk;nk jkbMj vkSj vU; vusd ,M&vkWu@jkbMjksa dks vkjaHkfd;k x;k FkkA ofÙknku] èku okilh] laiw.kZ thou] ,dyizhfe;e] fu;fer izhfe;e] chek dh xbZ mPp jkf'k;ksa ds fy,izhfe;e esa NwV] izhfe;e i¼fr esa NwV] tSlh fo'ks"krkvksa okysO;kid mRiknksa dk] ftuesa vkèkkfjd mRiknksa ds lkFk vusdjkbMj Hkh Fks] iqu% iSdst fd;k x;k gSA o"kZ 2002&03 esaxzkgdksa dks izLFkkfir fd, tkus okys mRiknksa esa xSj&lac¼ lslac¼ mRiknksa dh vksj cnyko vk;k] tks xzkgdksa dks vfèkdueuh;rk vkSj iknf'kZrk miyCèk djkrs gSaA ,sls le; esa tcLVkWd cktkj esa of¼ gks jgh gS] ;wfuV lac¼ mRiknksa dks vkjaHkdjuk ,d vPNh j.kuhfr gSA rFkkfi] chek djkus okyksa dksblls tqM+h dfe;ksa ds lacaèk esa tkx#d cukuk vfèkd egRoiw.kZgSA

;|fi xzkgdksa us ;wfuV lac¼ mRiknksa dk Lokxr fd;k gS] fiQjHkh ;g vko';d gS fd Hkkoh ikfylhèkkjd ,sls chek mRiknksals tqM+s tksf[ke ds izfr tkx#d gksaA lkE;k fuos'kksa ls tqM+s gksusds dkj.k bu mRiknksa ls foÙkh; tksf[ke tqM+s gSaA foÙkh;tksf[ke] ikfyfl;ksa esa tksM+s tkus okys fofHkUu fodYiksa lsmn~Hkwr gksrs gSa vkSj lkFk gh mudh nh?kkZofèk dks è;ku esa j[krsgq,] buds ewY;ksa dks r; djuk Hkh dfBu gksrk gSA bldsvfrfjDr blls LVkWd cktkj esa mrkj&p<+ko dk tksf[ke Hkh

tqM+ tkrk gS] ftlls chekdÙkkZ dh vkenuh ij izHkko iM+rk gSAfnypLi :i ls] fo'o cktkjksa esa vusd chekdÙkkZvksa us viusmRiknksa esa iawth laj{k.k fo'ks"krk tksM+uk vkjaHk dj fn;k gSAcktkj lwpd ;g ladsr nsrs gSa fd iwjs fo'o esa ,sls mRiknksa dhfoØ; eas uhps fxjrs lkE;k cktkjksa dh i`"BHkwfe esa deh vkrhgSA Hkkjr esa chek cktkj dks ,slh i`"BHkwfe dh pqukSrh dk vHkhlkeuk djuk gSA

Hkkjr ljdkj us 2003&04 ds la?kh; ctV esa 55 o"kZ vkSjvfèkd ds ukxfjdksa ds fy, ^ofj"B isa'ku chek ;kstuk* vkjaHkdjus dh ?kks"k.kk dh FkhA ofj"B ;kstuk] ljdkj ls vkfFkZdlgk;rk izkIr Ldhe gS vkSj blds izpkyu dk dk;Z ,y vkbZlh dks lkSaik x;k gSA Ldhe dk mís'; fdlh isa'kuèkkjh dksmlds thoudky ds nkSjku isa'ku miyCèk djkuk gS vkSjisa'kuèkkjh dh eR;q dh n'kk esa isa'kuèkkjh ds ukefunsZf'krh@fofèkdmÙkjkfèkdkjh dks Ø; ewY; dk lank; fd;k tkrk gSA

foÙkh; o"kZ 2001&02 vkSj 2002&03 ds nkSjku thou chekdÙkkZvksa}kjk vkjaHk fd, x, mRiknksa dh lwph lkj.kh 16(i) vkSj16(ii) esa gSA

vuNq, cktkjksa ij idM+ cukus ds fopkj ls chekdÙkkZvksa usns'k Hkj esa fofHkUu xzkeksa esa vius forj.k ekxks± dks etcwrdjus ds fy, vusd uohu ladYiuk,a izLrqr dh gSaA thouchek miyCèk djkus ds fy, izhfe;e dh dkiQh de njksa ijljy lkofèk ikyfl;ka miyCèk djkbZ tk jgh gSaA chekdÙkkZ,l vks ,l ckyd xzkeksa ls Hkh tqM+ jgs gSa] mUgksaus fofufnZ"Vxzkeh.k {ks=kksa dks viuk;k gS vkSj vius xzkeh.k fodkl nyksa dsvèkh{k.k esa chek mRikn vkjaHk fd, gSaA ;s i¼fr;ka] vkus okyso"kks± esa viuk, tkus okys ifjorZuksa ds lkFk] bl fo'ks"k cktkjds fodkl ds fy, vPNh gSaA fo|eku daifu;ksa ds lkFkizfr;ksfxrk esa cus jgus ds iz;kl esa] u, chekdÙkkZ csgrjxzkgd lsok miyCèk djk jgs gSaA izfr;ksxh daifu;ka ,d i`"BvfHkdj.k usVodZ % fu;fer vfHkdj.k vkSj cSadk';kjsal dslkFk gh forj.k ds u, ekxks± dks [kkst jgh gSa vkSj mudhlaHkkoukvksa dk ykHk mBk jgh gSaA izkfèkdj.k }kjk cSadk';kjsal&cSadusVodZ }kjk chek mRiknksa dk foØ; vuqKkr djus okysleFkZdkjh foèkk;h lajpuk miyCèk djkus ds i'pkr~ chekdÙkkZvksaus bl ekxZ ds ekè;e ls mRiknksa dk izLrko djuk vkjaHk djfn;k gSA ykHkizn jktLo {ks=k eas voljksa dk ykHk mBkus dsfy, cSadk';ksjsal j.kuhfr;ka cukbZ xbZ gSaA o"kZ 2002&03 esanykyksa dks vuqKfIr;ka eatwj fd, tkus ds i'pkr~ ,d u;keè;orhZ LFkkfir fd;k x;k gS] ftlds }kjk Hkkoh le; esadkiQh egRoiw.kZ Hkwfedk fuHkkus dh laHkkouk gSA

lkj.kh - 10jktLo ys[kk % lHkh thou chekdÙkk Z

(yk[k #i, esa)

fof'kf"V;k a ch,l,yvkbZ vkbZlhlhvkbZ&i zw vkb Z,ythoh# ,y-vkbZ-lh- ,pMh,iQlh LV sa ykbiQ ,e,uokbZ,y ,,eih ,l ,-ctkt ,lchvkbZ&ykbZiQ vk sedk sVd V kV k&,vkbZth esV&ykbiQ vfook ;k sx

2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2002- 2001-

03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 03 02

vftZr izhfe;eµ('kq¼)(d) izhfe;e 14392 2826 41762 11637 2116 419 5462849 4982191 14882 3346 9659 3895 647 28 6917 714 7239 1468 4032 758 7177 2114 791 48 1347 5573810 5009444([k) vH;fiZr iqu%chek (403) (146) (28) (3) (4) (2) (2794) (1676) (477) (139) (154) (35) (46) (56) (11) (60) (21) (87) (6) (11) (1) (8) (4127) (2040)(x) LohÑr iqu%chek 182 79 182 79fuos'ksa ls vk;(d) C;kt] fMfcMsaM vkSj fdjk;kµdqy 287 61 1863 170 35 2503050 2286190 528 107 406 77 13 117 358 21 41 172 3 49 2506922 2286626([k) fuos'kksa ds foØ;@foekspu ls ykHk 22 26 626 117 128251 112377 46 5 32 144 31 129153 112525(x) (fuos'kksa ds foØ;@foekspu ls gkfu) (6) (1) (33223) (13618) (6) (33234) (13619)(?k) mfpr ewY; ds iqu%ewY;kadu@ifjorZu ij varj.k@iQk;nkvU; vk; (fofufnZ"V djsa) 6786 4408 17 18 5 35533 12464 5324 4461 12 1 (5) 83 1 47756 21352

dqy (v) 21080 7174 44241 11939 2152 417 8093848 7378007 20302 7780 9923 3938 609 28 7095 703 7741 1489 4014 737 7263 2108 783 47 1413 8220462 7414367

nykyh 2951 440 3647 1447 645 135 499861 451791 1977 662 1849 1186 167 7 1242 235 187 19 761 181 1480 572 167 16 210 515144 456691chek dkjckj ls lacaf/r dk;Zdj.k 8907 4816 17512 8485 5775 2312 457176 426040 7006 4126 11194 8488 3398 1123 6672 2511 2330 1127 6138 3698 6353 4038 3044 653 4841 540345 467417O;;lansgkLin ½.kksa ds fy, izko/ku 1 26541 17987 26542 17987vifyf[kr Mwcar ½.kdj ds fy, izko/ku (965) 125862 86817 125862 85852(d) fuos'kksa ds ewY; eas deh 26077 8397 26077 8397 ds fy, ('kq¼)([k) vU; (fofufnZ"V djsa) 1417 824646 859 1 824646 2277

dqy (vk) 11859 5256 21159 8967 6420 3864 1960163 991891 8982 4788 13043 9674 3565 1130 7914 2746 2517 1146 6898 3880 7832 4610 3212 669 5050 2058616 1038621

lanÙk iQk;ns ('kq¼) 102 30 316 65 29 2053039 1747664 55 3 249 67 9 36 274 21 316 123 18 6 2054471 1747952lanÙk varfje cksul 21635 19538 21636 19538thou ikfyfl;ksa dh ckcrnkf;Ro ds ewY;kadu esa ifjorZu(d) ldy 9782 1943 18723 12825 458 354 3082300 3403227 12291 3070 4546 2037 157 11 2749 341 7029 1435 2320 347 3479 451 523 9 839 3145198 3426050([k) iqu%chek esa vH;fiZr jkf'k (665) (56) (3) (1) (706) (379) (25) (16) (3) (1402) (452)(x) iqu%chek eas LohÑr jkf'k(?k) lac¼ fuf/ dks varj.k 19881 725 19881 725

dqy (bZ) 9219 1917 38920 13615 484 353 5156974 5170429 11641 2694 4770 2088 166 11 2785 341 7304 1435 2341 347 3795 574 541 9 842 5239783 5193813

vf/'ks"k@(deh)(bZ)¾(v)&(vk)&(b) (15838) (10643) (4752) (3800) 976710 1215687 (321) 298 (7890) (7824) (3122) (1113) (3605) (2384) (2080) (1092) (5226) (3490) (4365) (3076) (2970) (631) (4480) 922062 1181932'ks;j/kjdksa ds [kkrs ls varj.k fofu;ksx 4000 2400 2080 1092 993 1146 4365 3076 11438 7714

'ks;j/kjdksa ds ys[kk dks varj.k· (15838) (12417) (4752) (3800) 48810 43325 (631) (4480) 35177 34216vU; vkjf{kfr;ksa dks varj.k (fofufnZ"V djsa) 1774 927380 822144 25 16 927396 823918vfr'ks"k tks Hkkoh fofu;ksxksa ds fy, fuf/;ka gS 520 350218 (321) 273 (411) 16 (212) 350507

dqy (bZ) (15838) (10643) (4752) (3800) 976710 1215687 (321) 298 (395) 16 (631) (4480) 950924 1200927

fV Ii.k %1) vU; vk; ds vUrxZr fuEufyf[kr lhek rd 'ks;j/kjdksa ds [kkrs ls varj.k gS ch,l,yvkbZ dh n'kk esa 6711 yk[k #i, vkbZlhvkbZlhvkbZ dh n'kk esa 15838 yk[k #i, ,pMh,iQlh LVs- ykbZiQ dh n'kk eas 5355 yk[k #i,2) ,yvkbZlh dh n'kk eas] vU; O;;ksa ds varxZr 816081 yk[k #i, ds visf{kr 'kks/u {kerk varj [kkrs ds fy, mica/ Hkh gS3) ,e,uokbZ,y] ,,uih laekj] esV ykbZiQ dh n'kk esa jktLo ys[kk esa ?kkVs dks] rqyu&i=k dks varfjr ykHk vkSj gkfu ys[kk vfr'ks"k dh ctk, lh/s rqyu&i=k eas j[kk x;k gS chek vkjf{kfr;ksa ds v/hu nf'kZr fd;k x;k gS4) ys[kkvksa esa vlaxrrk ij chekdÙkkZvksa ls ckrphr dh tk jgh gSA5) vkse dksVd dh n'kk esa jktLo ys[kk esa 5226 #i, dk ?kkVk gS ftlesa ls 993 yk[k #i, dks ykHk vkSj gkfu ys[kk ls varfjr fd;k x;k gS

lkj.kh - 11ykHk vkSj gkfu ys[kk % lHkh thou chekdÙkk Z

(yk[k #i, esa)

fof'kf"V;k a ch,l,yvkbZ vkbZlhlhvkbZ&izw vkb Z,ythoh# ,y-vkbZ-lh- ,pMh,iQlh LV sa ykbiQ ,e,uokbZ,y ,,eih ,l ,-ctkt ,lchvkbZ&ykbZiQ vk sedk sVd V kV k&,vkbZth esV&ykbiQ vfook ;k sx

2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2002- 2001-

03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 03 02

(6771) (4406) (15838) (12417) (4752) (3800) 48810 81391 (5355) -4461 (4000) (2400) (2080) (1092) (993) (1146) (4365) (3076) (631) (4480) 175 47962

576 598 620 1073 645 515 887 788 952 1504 1094 1263 934 206 970 846 1079 1105 1015 1409 862 828 858 607 688 11179 10742

175 44 572 1123 343 258 315 936 19 42 25 415 209 322 155 256 (8) 2 273 1 (12) 389 2833 3020

(2) (2) 0 (15) 0 (2) 0 (5) (17)

45 195 14 11 (74) 69 1 2 (203) 15 2 21 (44) 0 (225) 279

(5977) -3569 (14632) (10210) (3764) (3027) 49697 82179 (4162) (1954) 1113 1307 756 206 (2615) (1360) (664) 168 277 257 (3483) (1975) 815 (36) (3403) 13958 61986

119 41 86 111 22 67 659 557 67 169 31 32 204 84 197 8 2 806 549 11 248 19 1943 2145

0

253 253

565 108 8 269 2 951 2

119 41 86 111 22 67 659 557 631 169 140 40 204 85 197 277 257 806 549 11 248 19 2894 2400

(6096) (3610) (14718) (10321) (3786) (3094) 49697 82179 (4820) (2511) 482 1138 616 206 (2655) (1564) (749) (29) (4289) (2524) 804 (284) (3422) 11064 59586

(188) 0 1 (188)

(6096) (3610) (14718) (10509) (3786) (3094) 49697 82179 (4820) (2511) 482 1138 616 206 (2655) (1565) (749) -29 (4289) (2524) 804 (284) (3422) 11064 59398

(4442) (10531) 23 (3094) 28066 (2645) (134) (467) -1605 206 (1565) (11) 18 12 12 (2882) (358) (284) (25703) 26022

43325 43325

48810 48810

(832) (45) 887 10788 887 9911

(10538) (4442) (25249) (10531) (6880) (3094) 82179 (7465) (2645) 15 (467) 822 206 (4220) (1565) (760) (11) 12 12 (7171) (2882) 520 (284) (3422) (64336) 56476

fV Ii.k % vU; oxks± ds varxZr ikfylh /kjdksa dks cksul dh fuEufyf[kr ykxr Hkh gSa ,e,uokbZ,y 565 yk[k #i, ,,eih laekj 108 yk[k #i, vkse dksVd 11 yk[k #i,

ch,l,yvkbZ dk vFkZ gS fcjyk lu ykbZiQ bu';ksjsal da-fy- , ctkt dk vFkZ gSµ,yk;at ctkt ykbZiQ bu';ksjsal da-fy-vkbZlhvkbZlhvkbZµizw dk vFkZ gS vkbZlhvkbZlhvkbZ izwMsaf'k;y ykbZiQ bU';ksjsal daiuh fy- ,l ch vkbZ&ykbZiQ dk vFkZ gSµ,lchykbZ ykbZiQ bu';ksjsal daiuh fy-vkbZ,uthoh dk vFkZ gS vkbZ ,u th oL;k thou chek da-fy- vkse&dksVd dk vFkZ gSµvkse dksVd ykbZiQ bu';ksjsal da-fy-,y-vkbZ-lhdk vFkZ gS ykbZiQ bu';ksjsal dkWjjs'ku vkWiQ bafM;k VkVk&,vkbZth dk vFkZ gSµVkVk , vkbZ th ykbZiQ bu';ksjsal daiuh fy-,pMh,iQlh ,eVhMh ykbZiQ&dk vFkZ gS ,pMh,iQlh LVSaMMZ ykbZiQ bau';ksjsal daiuh fy- ,ebZVh ykbZiQ dk vFkZ gSµeSV ykbZiQ bu';ksjsal daiuh fy-,e,uokbZ,y dk vFkZ gS U;w ;kdZ ykbZiQ bu';ksjsal daiuh fy- ,ohvkbZoh, dk vFkZ gSµvohok ykbZiQ bu';ksjsal daiuh fy- (2002-03 esa dkjckj vkjEHk fd;k),,eih,l dk vFkZ gSµ,,eih laekj ,';ksjsal da-fy-

ikfylh/kjdksa ds [kkrs dks@ls varj.k(rduhdh [kkrk)fuos'k ls vk;(d) C;kt] fMfoMsaM vkSj fdjk;k&dqy([k) fuos'kksa ds foØ;@foekspu ls ykHk(x) (fuos'kksa ds foØ;@foekspu ls gkfu)vU; vk; (fofufnZ"V djsa)dqy (v)

chek dkjckj ls izR;{k :i lslac¼ ls fHkUu O;;vifyf[kr Mwcar ½.kizko/ku (djk/ku ls fHkUu)(d) fuos'kksa ds ewY; esa deh ds fy,

('kq¼)([k) lansgkLin ½.kksa ds fy, izko/ku(x) vU; (fofufnZ"V djsa)

dqy (vk)

dj ls iwoZ ykHk@(gkfu)djk/ku ds fy, izko/kudj ds i'pkr~ ykHk@(gkfu)

fofu;k sx(d) o"kZ ds izkjEHk eas vfr'ks"k([k) o"kZ ds nkSjku lanÙk ykHkka'k(x) izLrkfor vafre ykHkka'k(?k) dj ij ykHkka'k forj.k(Ä) vkjf{kfr;ka@vU; [kkrksa dks varj.k

(fofufnZ"V djsa)rqyu&i=k esa ys tk;k x;k ykHk

lkj.kh - 12rqyu i=k % lHkh thou chekdÙkk Z

(yk[k #i, esa)

fof'kf"V;k a ch,l,yvkbZ vkbZlhlhvkbZ&i zw vkb Z,ythoh ,y-vkbZ-lh- ,pMh,iQlh LV sa ykbiQ ,e,uokbZ,y ,,eih ,l ,-ctkt ,lchvkbZ&ykbZiQ vk sedk sVd VkV k&,vkbZth esV&ykbiQ vfook ;k sx

2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2001- 2002- 2002- 2001-

03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 02 03 03 02

18000 14908 42500 19000 16939 10921 500 500 21673 16618 25474 24963 12436 12436 14908 14872 12500 12500 13066 10058 18335 18335 11000 11000 15480 222811 16611111675 10788 25 15 822 207 4933 5216 5216 (28) 520 23153 16236

(107) (78) (15) (11) 9 2 (201)

18000 14908 42393 19000 16939 10921 12175 11288 21594 16643 25489 24963 13244 12643 19841 14872 12489 12500 18282 15274 18308 18335 11528 11000 15482 245763 182347133 77 364 373 130 59 628 509

74 171435 304142 1 171436 304216

1237 287 32044 13320 809 353 27299386 22939514 14375 2789 6558 2036 254 11 3090 341 8466 1436 2679 349 3931 451 548 9 836 27374211 22960896239360 239429 (15713) (7822) (4236) (1114) (6576) (2344) (2970) 209866 228149

9777 1616 20817 754 590 362 23 117 31208 284911014 1977 52861 14074 942 430 27710771 23483447 2789 (9155) (5786) (3595) (730) 3090 341 8466 1436 (3897) (1995) 3931 568 (2292) 68 836 27772973 23496619

3 3 520 350218 26 321 411 16 1101 2062 350558

29017 16888 95254 33074 17882 11351 27723467 23844953 35995 19753 16334 19177 9649 11913 23342 15229 20955 13936 14385 13279 23340 18903 9236 11068 16318 28035173 24029524

6456 9578 12814 5159 7580 7501 10753 10500 8800 9731 8646 14125 8440 12879 10985 10851 10934 7908 10031 9257 10276 5029 9833 10984 120398 1086531183 290 32994 13258 809 354 22638007 18641460 13104 3016 6558 2053 254 3501 357 7230 462 2679 349 4007 451 2970 21 22713317 186620509777 1616 20817 754 23 1101 117 1438 33157 2487

11 11 3707474 3426790 65 67 1 48 40 3707598 34269082738 2074 4142 2819 1789 1037 106319 94450 4234 3368 3391 2292 730 694 2448 1939 412 141 2001 1003 1541 1543 695 106 637 131075 111466

1024 1024 1024 1024

2173 693 3204 1071 1870 165 981697 716962 3726 1452 503 958 645 12013 1473 737 844 652 1567 2059 1030 3203 1054 574 531 1000318 7405391161 905 2101 1196 1166 781 1618183 1375798 1639 993 1761 1309 429 129 1551 1295 2067 2301 1588 829 2150 1478 648 533 577 1635019 13875473334 1598 5304 2267 3036 946 2599880 2092760 5365 2445 2264 2267 1075 12142 3024 2032 2911 2953 3155 2888 3180 4681 1702 1107 1108 2635337 21280864537 2675 7091 2740 2151 1558 474077 377682 2946 1495 4522 2024 841 919 2729 1647 1205 564 1329 1000 3005 1284 1130 258 1292 506853 393846472 35 71 34 864890 43325 92 23 3 2 33 4 1 5 1 76 32 20 30 4 865693 43461

5009 2710 7091 2740 2222 1592 1338967 421007 3038 1518 4525 2026 873 923 2729 1648 1209 565 1405 1032 3025 1284 1159 262 1292 1372545 437307(1675) (1112) (1787) (473) 814 (646) 1260913 1671753 2327 927 (2261) 241 201 11219 295 384 1701 2388 1750 1856 155 3397 543 845 (184) 1262792 1690779

108 237 108 237

10538 4442 25249 10533 6880 3094 7465 2644 466 4220 1564 760 11 7171 2882 284 3422 65704 25920

29017 16888 95254 33074 17882 11351 27723467 23844953 35995 19753 16334 19177 9649 11913 23342 15229 20955 13936 14385 13279 23340 18903 9236 11068 16318 28035173 24029524

fuf/;ksa ds Ïkssr %'ks;j/kjdksa dh fuf/;ka'ks;j iawthvkjf{kfr;ka vkSj vf/'ks"ktek@(fodyu) mfpr ewY;ifjorZu [kkrkdqy ;ksxm/kjikfylh/kjdksa dh fuf/;katek@(fodyu) mfpr ewY;ifjorZu [kkrkikfylh nkf;Rochek vkjfZ{kfr;kalac¼ nkf;Roksaa ds fy, izko/kudqy ;ksxHkkoh fofu;ksxksa ds fy, fuf/;ka

;k sx

fuf/;ksa dk mi;kstufuos'k'ks;j/kjdikfylh/kjdlac¼ nkf;Roksa dks doj djus ds fy, /kfjr vkfLr;ka½.kfu;r vkfLr;kavkLFkfxr dj vkfLr ('kq¼)pkyw vkfLr;kaudn vkSj cSad vfr'ks"kvfxze vkSj vU; vkfLr;kadqy ;ksx (v)pkyw nfk;Roizko/kudqy ;ksx (vk)'kq¼ pkyw vkfLr;ka (b)¾(v&vk)izdh.kZ O;;(vifyf[kr ;k lek;ksftr ugha fd, x, dh lhek rd)ykHk vkSj gkfu ys[kk esa fodyu vfr'ks"k('ks;j/kjd [kkrk);k sx

fV Ii.k % ½.kksa vkSj vfxzeksa ds varxZr vkLFkfxr dj Hkh gSA


3rd

jh

66

lkj.kh - 13

jktLo ys[kk & ,yvkbZlh dk lhvkj,lh dkjckj(yk[k #i, esa)

fof'kf"V;k a 2002-03 2001-02

vftZr izhfe;e ('kq¼) 1,122 93

fuos'kdksa ds foØ;@foekspu ds fy, ykHk@gkfu 89 (12)

ikfylh nkf;Roksa eas ifjorZu (1,818) (214)

vU; (fofufnZ"V djsa) izfrfyf[kr 3 0

C;kt] ykHkka'k vkSj fdjk;k & ldy 281 471

;ksx (d) (324) 339

mixr nkos ('kq¼) 450 355

nykyh 47 2

chek dkjckj ls lacaf/r izpkyu O;; 69 16

vU;&ifj'kks/u] gkfuxr vkSj izko/ku (116) 177

fons'kh dj

;ksx ([k) 449 550

vfXu@[email protected] dkjckj ls izpkyu ykHk@gkfu x=(d&[k) (773) (211)

fofu;k sx

'ks;j/kjdksa ds [kkrs dks varj.k (211)

vkink vkjf{krh dks varj.k

vU; vkjf{kfr;ksa dks varj.k (fofufnZ"V djsa)

;k sx (x) (773) (211)


3rd

jh

68

lkj.kh - 14

ykHk vkSj gkfu ys[kk&,yvkbZlh dk lhvkj,lh dkjckj(yk[k #i, esa)

2002-03 2001-02

(773) (211)

(773) (211)

(773) (211)

(773) (211)

(773) (211)

fof'kf"V;k a

izpkyu ykHk@(gkfu)

(d) vfXu chek

([k) leqnzh chek

(x) izdh.kZ chek

fuos'kk sa ls vk;

(d) C;kt] ykHkka'k vkSj fdjk;k&ldy

([k) fuos'kksa ds foØ; ls ykHk

?kVk,a % fuos'kksa ds foØ; ls gkfu

vU; vk; (fofufnZ"V djsa)

;k sx (d)

izko/ku (djk/ku ls fHkUu)

(d) fuos'kksa ds ewY; esa deh

([k) lansgkLin ½.kksa ds fy,

(x) vU; (fofufnZ"V djsa)

vU; O;;

(d) chek dkjckj ls lacaf/r O;;ksa ls fHkUu

([k) Mwcar ½.k gkfuxr


;k sx ([k)

dj ls iwoZ ykHk

djk/ku ds fy, izko/ku

dj ds i'pkr~ ykHk

fofu;k sx

(d) o"kZ ds nkSjku lanÙk varfjr ykHkka'k

([k) izLrkfor vafre ykHkka'k

(x) ykHkka'k forj.k dj

(?k) fdlh vkjf{krh ;k vU; [kkrs dks varj.k (fofufnZ"V djsa)

lk/kj.k vkjf{krh dks varj.k

iwoZ o"kZ ls vkxs yk;k x;k ykHk@gkfu vfr'ks"k

rqyu&i=k dks vxzuhr vf/'ks"k


3rd

jh

70

lkj.kh - 15

rqyu&i=k % ,yvkbZlh dk lhvkj,lh dkjckj(djksM+ #i, esa)

2002-03 2001-02

36 36

865 840

5770 4725

6671 5601

3864 5072

2487 10

406 582

2893 592

86 63

86 63

2807 529

6671 5601

*blds varxZr ykHk vkSj gkfu ys[kk esa fodyu vfr'ks"k Hkh gS

fuf/;ksa ds Ïksr

'ks;j iwath

vkjf{kfr;ka vkSj vf/'ks"k

mfpr ewY; ifjorZu [kkrk

ikfylh nkf;Ro·

m/kj

;k sx

fuf/;ksa dk mi;kstu

fuos'k

½.k

fu;r vkfLr;ka

pkyw vkfLr;ka

udn vkSj vU; vkfLr;ka

dqy ;ksx (d)

fo|eku nkf;Ro

izko/ku

dqy ;ksx ([k)

'k q¼ pkyw vkfLr;ka (x) ¾ (d&[k)

izdh.kZ O;; (ml lhek rd tks gkfuxr ugha gSa;k lek;ksftr ugha fd, x, gSa)

ykHk vkSj gkfu ys[kk esa fodyu vfr'ks"k

;k sx


3rd

jh

72


3rd

jh

74


3rd

jh

76


3rd

jh

78


3rd

jh

80

lkj.kh - 16(i)

31.03.2002 dks thou chek mRiknk sa dh lwph

Ø-la- mRikn dk uke chekdÙkk Z

1 ,yk,at ctkt dS'k ds;j (dS'k cSuhfiQV) ,yk,at ctkt

2 ,yk,at ctkt ykbZiQ VkbZe ds;j

3 ,yk,at ctkt lso ds;j

4 ,yk,at ctkt fjLd ds;j

5 ,yk,at ctkt VeZ ds;j

6 ,yk,at ctkt xzqi ØsfMV ds;j

7 ,yk,at ctkt xzqi fjLd ds;j

8 ,yk,at ctkt xzqi bZMh,yvkbZ,l ds;j

9 èku Jh , ,e ih luekj

10 'kqHk Jh

11 ;qok Jh

12 fuR; Jh

13 fcjyk lu ykbZiQ ba'kksjsal lksY;w'kUl fcjyk luykbZiQ

14 dukMk ds gkbZ deh'ku ds fy, xzqi lqij,uq,'ku ikfylh

15 fcjyk luykbZiQ iQysDlhiSQeyh 'khYM VeZ Iyku

16 fcjyk luykbZiQ flaxy izhfe;e xzqi VeZ izksMDV

17 fcjyk lu ykbZiQ Lis'ky ,uMksesaV

18 fcjyk lu ykbZiQ xzqi izksVsD'ku lksY;w'kUl

19 fcjyk lu ykbZiQ ;ax ldksyj

20 fcjyk lu ykbZiQ xzqi lqij,uq,'ku izksMDV

21 ,p Mh ,iQ lh ,SaMksesaV ,';kjsal ,p Mh ,iQ lh LVSaMMZ ykbZiQ

22 ,p Mh ,iQ lh euh cSad

23 ,p Mh ,iQ lh fMoYiesaV Iyku

24 ,p Mh ,iQ lh flaxy izhfe;e gksy ykbZiQ ,';ksjsal

25 ,p Mh ,iQ lh xzqi VeZ ,';ksjsal

26 ,p Mh ,iQ lh izksVSD'ku lhjht

27 ,p Mh ,iQ lh bfefM,V ,U;wbZVh

28 ,p Mh ,iQ lh ilZuy isU'ku Iyku

29 ,p Mh ,iQ lh xziq VeZ ,';ksjsal


3rd

jh

82

30 vkbZ lh vkbZ lh vkbZ izw iQkj,SojykbZiQ&jSxwyj izhfe;e MSiQMZ iSa'ku vkbZ lh vkbZ lh vkbZ izw

31 vkbZ lh vkbZ lh vkbZ izw iQkj,Soj ykbZiQ&flaxy izhfe;e MSiQMZ iSa'ku

32 vkbZ lh vkbZ lh vkbZ izw lso ^^,u** izksVsD'ku&,uMksesaV ,';ksjsal

33 vkbZ lh vkbZ lh vkbZ izw flaxy izhfe;e ckaM] izR;kHkwr vfHkof¼;ksa lfgr

34 vkbZ lh vkbZ lh vkbZ izw ,SaVhlhisfVM ,SaMkseSaV ,';ksjsal

35 vkbZ lh vkbZ lh vkbZ izw ykbZiQ xkMZ&ySoy VeZ ,';ksjsal izhfe;e okilh lfgr

36 vkbZ lh vkbZ lh vkbZ izw ykbZiQ xkMZ&flaxy izhfe;e ySoy VeZ ,';ksjsal

37 lyke ftanxh&lkekftd {ks=k ds fy, ,do"khZ; uohdj.kh; lewg lkofèk chek

38 ykbiQ VeZ bfeMsV iSU'ku

39 vkbZ lh vkbZ lh vkbZ izw&jh,';ksj

40 vkbZ lh vkbZ lh vkbZ izw&,';ksj buoSLV

41 vkbZ lh vkbZ lh vkbZ izw&ykbZiQ fyad

42 vkbZ lh vkbZ lh vkbZ izw&ykbZiQ Vkbe

43 vkbZ lh vkbZ lh vkbZ izw&dS'k cSd

44 vkbZ lh vkbZ lh vkbZ izw&lso ^,u* izksVSDV

45 iwQyfiQfyax ykbiQ ,SaVhlhisfVM gksy ykbiQ Iyku vkbZ ,u th oS';k

46 eSDlhekbflax ykbiQ euhcSad Iyku

47 jh,';ksfjax ykbiQ ,uMkseSaV Iyku

48 flD;ksfjax ykbiQ :jy ,uMkseSaV Iyku

49 tSusfjd xzqi VeZ bU'kksjsal] lkekftd {ks=k ds fy,

50 ,y vkbZ lh** ,sl chek Iyl&;wfuV fyad~M bu';ksjsal ikfylh ,y vkbZ lh·

51 [ksfrgj etnwj chek ;kstuk

52 f'k{kk lg;ksx ;kstuk

53 chek fuos'k

54 U;w chek fuos'k

55 U;w thou v{k;&1

56 U;w chek fdju

57 thou vkuan

58 chek fuos'k 2002

59 thou lef¼ (U;w thou la'k;)

60 5 o"kZ esa fjfu;wvy vkSj daoVhZcy VeZ ba';ksjsal Iyku eSDl U;w;kdZ ykbiQ

61 20 o"khZ; ,aMkseSaV

62 bZth VeZ



3rd

jh

84

63 uku ikj gksy ykbZiQ eSDl U;w;kdZ ykbiQ

64 ikj gksy ykbZiQ

65 xzqi VeZ bu';ksjsal

66 fMØhftax VeZ izksMDV

67 fyfeVsM isesUV gksy ykbZiQ uku ikfVZlhisfVax eSV ykbiQ

68 ,uMksesUV ba';ksjsal&uku ikfVZlhisfVax

69 euh cSd&uku ikfVZlhisfVax

70 vkse ,uMksesUV Iyku (dksVd ,uMksesUV Iyku) vkse dksVd

71 vkse bu';ksjsal ckaM (dksVd bu';ksjsal ckaM)

72 vkse euh cSd Iyku (dksVd euh cSd Iyku)

73 dksVd bu';ksjsal ckaM&U;w otZu

74 dksVd VeZ ,';ksjsal Iyku

75 dksVd VeZ Iyku

76 dksVd xzkeh.k chek ;kstuk

77 dksVd ØsfMV VeZ xzqi Iyku

78 dksVd VeZ xzqi Iyku

79 dksVd buosLVesaV ,';ksjsal Iyku (dksVd lsiQ buosLVesaV Iyku)

80 dksVd ,saMksesaV Iyku

81 dksVd dSfiVy eYVhIyk;j Iyku

82 dksVd xzspqVh xzqi Iyku

83 ,l ch vkbZ ykbZiQ&lathou ,l ch vkbZ ykbZiQ

84 lq[kthou

85 Lo.kZ xaxk (xzqi VeZ)

86 ,l ch vkbZ ykbZiQ Ldkyj

87 ;ax lathou

88 ,l ch vkbZ ykbZiQ&lqij lqj{kk

89 ,l ch vkbZ&ØsfMV xkMZ

90 lq[k thou izFke

91 xzqi xzspqVh de ykbZiQ doj Ldhe

92 xzqi jSxqyj izhfe;e eksVZxst fjM;wftax VeZ ba';ksjsal Iyku VkVk&, vkbZ th

93 xzqi flaxy izhfe;e eksVZxst fjM;wftax VeZ ba';ksjsal Iyku

94 10 o"kZ @ 20 o"kZ @ 30 o"kZ ,aMksesaV vkj ch Iyku

95 ,';ksj 21 o"kZ euh lsoj (21 o"kZ Vªkbfu;y eksfMiQkbM

,saVhlhisfVM ,saMkseSaV Iyku



3rd

jh

86

96 ,aMksesaV Vw ,t 60 (vkj ch) Iyku (,';ksj xksYMu o"kZ Iyku) VkVk&, vkbZ th

97 xjsaVhM b'kw 10 bZ;j ,aMksesaV Iyku uku ikfVZflisfVax

(,';ksj gejkgh)

98 xzqi VeZ ykbZiQ

99 xzqi ØsfMV dkMZ VeZ bu';ksjsal izksVsD'ku Iyku

100 ,';ksj 10 bZ;j@15 bZ;j@20 bZ;j@25 bZ;j ykbZiQykbu

Iykul~ 10@15@20@25 bZ;j VeZ Iyku

101 ,';ksj 15 bZ;j ykbZiQ ykbu (fon fjVuZ vkWiQ izhfe;e) Iyku

102 ,';ksj 5 bZ;j ykbZiQ Iyku&5 okf"kZd fjU;w,cy duoVsZcy VeZ Iyku

103 ,';ksj ykbZiQ ykbu Vw ,t 60&VeZ Vw ,t 60 Iyku

104 ,';ksj ou bZ;j ykbZiQ ykbu Iyku&okf"kZd fjU;w,cy

duoVsZcy VeZ Iyku

105 xzqi jsxqyj izhfe;e ilZuy yksu fjM;wflax VeZ bu';ksjsal Iyku

106 xzqi flaxy izhfe;e ilZuy yksu fjM;wflax VeZ bu';ksjsal Iyku

107 ,';ksj 5@10 bZ;j Iyku&,l ih

108 flaxy izhfe;e bfefM;sV ,u;wVh vki~'ku fon fjVuZ vkWiQ izhfe;e

109 VkVk&, vkbZ th dkefizgsuflo lqij,uq,'ku ikfylh&fMiQkfbaM cSfufiQV

110 VkVk&, vkbZ th dkefizgsuflo lqij,uq,'ku ikfylh&fMiQkfbaM daVªhc;q'ku

111 VkVk&, vkbZ th dkefizgsuflo xzspqVh Ldhe

112 Nk;k fuokZ.k

113 ,';ksj dsfj;j fcYMj

114 n vphoj ,V 18

115 n vphoj ,V 21

116 ,';ksj is ekLVj (egk ykbZiQ)

·31 ekpZ 2002 rd ,y vkbZ lh }kjk cktkj esa vkjEHk fd, x, mRiknksa dh lwph vDrwcj 2002 ls i'pkr~ dh vofèk ls lacafèkr gSA



3rd

jh

88

lkj.kh - 16(ii)

foÙkh; o"kZ 2002-2003 ds nkSjku eatwj fd, x,thou chek mRiknk sa dh lwph

Ø-la- chekdÙkk Z mRikn dk uke tqM+h gqbZ vuqo`f¼;ka

1 lso ds;j&bdksueh&,l ih thou vkjaHk iQk;nk

2 ,yk,at ctkt pkbYM ds;j xaHkhj chekjh iQk;nk

3 ,yk,at ctkt buoSLV xsu Mk;eaM dqVqEc vk; iQk;nk

4 buoSLV xsu xksYM vLirky udn iQk;nk

5 buoSLV xsu IysfVue eR;q chek dojst esa of¼

6 buoSLV xsu bdksueh izhfe;e vfèkR;tu iQk;nk

7 , ,e ih lueku xzqi VeZ b';ksjsal nq?kZVuk eR;q vkSj fu%'kDrrk iQk;nk

8 t; Jh nq?kZVuk eR;q vkSj iw.kZ rFkk LFkk;h

9 bfeMsV ,U;wVh fu%'kDrrk vuqof¼

10 JhHkkX; Jh lkofèk thou chek

11 vohok ykbiQ ykbZiQ yksax&;wfuV fyad~M nq?kZVuk eR;q vkSj viaxrk iQk;nk

12 bth ykbZiQ fon izksfiQV xaHkhj chekjh vkSj LFkk;h iw.kZ fu%'kDrrk

13 bth ykbZiQ yksax&fon izksfiQV

14 ykbZiQ yksax&fon izksfiQV Rofjr chek

15 ykbZiQ lsoj&;wfuV fyad~M vLirky udn iQk;nk

16 ykbZiQ lsoj&fon izksfiQV

17 ykbZiQ ckSaM&;wfuV fyad~M

18 ykbZiQ ckSaM&fon izksfiQV

19 ØsfMV uSV

20 ØsfMV Iyl

22 xzqi 'khYM

22 dkiksZjsV ykbZiQ

23 bth ykbiQ Iyl&fon izksfiQV

24 bth ykbiQ Iyl&;wfuV fyad~M

25 vej lqj{kk

26 flD;ksj ykbiQ


3rd

jh

90

27 isU'ku Iyl

28 ,U;wVh Iyl

29 iSU'ku Iyl (;wfuV fyad~M)

30 fcjyk luykbZiQ ch ,l ,y xzqi xzspqVh izksMDV nq?kZVuk esa eR;q vkSj fu%'kDrrk vuqof¼

31 LVsaMMZ vyksu VeZ izksMDV xaHkhj chekjh vuqof¼

32 ch ,l ,y izhfe;e cSd VeZ Iyku VeZ vuqof¼

33 ;wfuV fyad~M flaxy izhfe;e ckaM

34 ch,l,y iQySDlh flD;ksj ykbZiQ

fjVkj;esaV Iyku

35 ,p Mh ,iQ lh ,p Mh ,iQ lh chek cpr ;kstuk iQkSj lks'ky lSDVj

36 LVsuykbiQ ,p Mh ,iQ lh fpYMªsal Iyku

37 vkbZ lh vkbZ lh vkbZ izw vkbZ lh vkbZ lh vkbZ&izw bfeMsV nq?kVZuk chek vkSj

,U;wVh&VkbM ,U;wVh

38 vkbZ lh vkbZ lh vkbZ&izw ykbZiQ Vkbe fu%'kDrrk iQk;nk

iSa'ku&fjokbLM

39 vkbZ lh vkbZ lh vkbZ&izw ykbZiQ fyad iSa'ku xaHkhj chekjh chek

40 vkbZ lh vkbZ lh vkbZ&izw jSxwyj izhfe;e ysoy VeZ chek

MSiQMZ isa'ku Iyku&fjokbZLM

41 vkbZ lh vkbZ lh vkbZ&izw ykbiQ xkMZ eq[; 'kY; fpfdRlk lgk;rk

(jSxqyj izhfe;e VeZ ,';ksjsal) doj

42 vkbZ lh vkbZ lh vkbZ&izw bZth ykbZiQ&ySoy

VeZ ,';ksjsal Mk,jsDV ekdsZfVax

43 vkbZ lh vkbZ lh vkbZ&izw xzqi VeZ ba';ksjsal

44 vkbZ lh vkbZ lh vkbZ izw fe=k&jSxwyj

izhfe;e fonkÅV izkSfiQV ,aMksesaV&:jy

45 vkbZ lh vkbZ lh vkbZ izw lqj{kk&flaxy

izhfe;e VeZ ,';ksjsal&:jy

46 vkbZ lh vkbZ lh vkbZ izw lqj{kk&jsxqyj

izhfe;e VeZ ,';ksjsal&:jy

47 vkbZ lh vkbZ lh vkbZ izw xzqi xzsP;qVh

48 vkbZ lh vkbZ lh vkbZ&izw dS'k cSd

49 vkbZ lh vkbZ lh vkbZ&izw lso ^,u* izksVsDV

50 vkbZ lh vkbZ lh vkbZ&izw xzqi lqij,uq,'ku Iyku

51 'khfYMax ykbZiQ izksVsD'ku Iyku (lh,ylhvkbZih) lkofèk iQk;nk vuqof¼

52 IkkWofjax ykbZiQ fyfeVsM isesaV ,aMkseSaV Iyku nq?kZVuk] eR;q iQk;nk vuqof¼



3rd

jh

92

53 vkbZ ,u th oS';k eLVfjax ykbZiQ jsxqyj ,aMkseSaV nq?kZVuk] eR;q iQk;nk vuqof¼Iyku (jh,';ksfjax ykbZiQ ,aMkseSaV nq?kZVuk eR;q viaxrk vkSjIyku fon fjojfl,'ku cksul) fu%'kDrrk iQk;nk vuqof¼

54 fØ;sfVax ykbZiQ pkbZYM izksVsD'ku Iyku izhfe;e vfèkR;tu dk iQk;nk vuqof¼

55 lqjf{kr thou ljy :jy ,uMksesaV Iyku

56 ,y vkbZ lh chek fuos'k 2003 lkofèk chek vuqof¼

57 chek fuos'k fVªiy doj izhfe;e vfèkR;tu iQk;nk

58 thou js[kk efgykvksa esa xaHkhj chekjh

59 VeZ ,';ksjsal Iyku (fonkmV izksfiQV)&thou vueksy dkaftfu;y fu%'kDrrk iQk;nk

60 thou lef¼

61 chek fuos'k 2002

62 dksey thou

63 U;w thou v{k;&1

64 chek Iyl Iyku

65 ekSVZxst fjMEi'ku Iyku

66 xzqi ekSVZxst fjMªsly vfl- Ldhe

67 thou Hkkjrh

68 eSDl U;w;kdZ ykbiQ fMfØftax VeZ izksMDV O;fDrd nq?kZVuk iQk;nk@nq?kZVuk eR;q iQk;nk;k nq?kZVuk eR;q vkSj fu%'kDrrk (,Mh vkSjMh) vuqof¼

69 ySoy VeZ izksMDV [krjukd chekjh (xaHkhj chekjh) vuqof¼

70 flaxy izhfe;e ck¡M izhfe;e dk vfèkR;tu

71 bth ykbZiQ fjVk;jesaV Iyku

(MSiQMZ ,U;wVh)

72 esV ykbZiQ esV ekSVZxst izksVsDVj nq?kZVuk eR;q iQk;nk

73 esV 100 Iyl lkofèk vuqof¼

74 flaxy is&ekSVZxst izksVsD'ku Iyku izhfe;e dk vfèkR;tu iQk;nk

75 twosukby euh cSd&ukWu ikfVZlhisfVax xaHkhj chekjh vuqof¼µHkkx u ysus okyk

76 twosukbZy ,aMksesaV&ukWu ikfVZlhisfVax

77 esV ,aMksesaV Iyl (esV IysfVue)

78 esV ,aMksesaV (esV xksYM)



3rd

jh

94

79 esV ykbZiQ esV twfu;j b

80 esV 100 ikj

81 esV xzqi okbZ vkj Vh

82 esV xksYM (ukWu ikj ,aMksesaV)

83 esV IysfVue (ukWu ikj ,aMksesaV)

84 vkse dksVd dksVd euh cSd Iyku nq?kZVuk eR;q chek

85 dksVd fpYMªu~l Iyku lkofèk chek

86 dksVd izSiQMZ VeZ Iyku LFkk;h fu%'kDrrk chek

87 dksVd ,aMksesUV Iyku xaHkhj chekjh iQk;nk

88 dksVd ba'kksjsal ckSaM&U;w otZu lkofèk chek

89 dksVd xzspqVh xzqi Iyku izhfe;e lank;dÙkkZ (thou laj{kd) dh

eR;q ij izhfe;e

90 dksVd dSfiVy eYVhIyk;j Iyku izhfe;e lank;dÙkkZ (viaxrk laj{kd) dh

eR;q ij izhfe;e

91 dksVd bfefM;sV Iyku izhfe;e lank;dÙkkZ dh fu%'kDrrk ij

92 dksVd fjVk;jesaV bUde Iyku fon doj izhfe;e vfèkR;tu iQk;nk

93 dksVd buoSLVeSaV ,';ksjsal Iyku dksVd vfèkekur% lkofèk iQk;nk

94 ,l ch vkbZ ykbZiQ ,l ch vkbZ ykbZiQ lqn'kZu nq?kZVuk eR;q vuqof¼

95 lq[k thou izFke iw.kZ LFkk;h fu%'kDrrk iQk;nk

96 xzqi xzspqVh de ykbZiQ doj Ldhe

97 ,l ch vkbZ ykbZiQ Loèku (O;f"Vd) 'kq¼ lkofèk vuqof¼

98 ,l ch vkbZ ykWx isa'ku (O;f"Vd) c<+rh jkf'k chek vuqof¼

99 ,l ch vkbZ ykbZiQ ykWx isa'kUl (xzqi)

100 VkVk&, vkbZ th 10@20@30 o"kks± dh izfrHkwfr vkSj fodkl 5 o"kZ esa uohdj.kh;] lkofèk vuqof¼

;kstuk,a uku ij

101 Nk;k lkofèk ls 60 o"khZ; vuqof¼

102 laè;k



3rd

jh

96

lkj.kh � 17(i)

Hkkjrh; thou chek fuxe esa chekÑr thouksa dh e`R;q nj&,yvkbZlh � 94-96 vYVhesV

vk;q e`R;q nj vk;q e`R;q nj

14 0.00071 60 0.01307

15 0.00077 61 0.01439

16 0.00082 62 0.01590

17 0.00087 63 0.01761

18 0.00092 64 0.01952

19 0.00096 65 0.02162

20 0.00100 66 0.02272

21 0.00103 67 0.02562

22 0.00106 68 0.02882

23 0.00109 69 0.03237

24 0.00111 70 0.03629

25 0.00113 71 0.04062

26 0.00115 72 0.04539

27 0.00116 73 0.05064

28 0.00117 74 0.05640

29 0.00117 75 0.06273

30 0.00117 76 0.06966

31 0.00117 77 0.07723

32 0.00120 78 0.08550

33 0.00125 79 0.09452

34 0.00131 80 0.10433

35 0.00139 81 0.11499

36 0.00148 82 0.12655

37 0.00159 83 0.13907

38 0.00172 84 0.15108

39 0.00187 85 0.16230

40 0.00205 86 0.17415

41 0.00225 87 0.18664

42 0.00242 88 0.19978

43 0.00260 89 0.21356

44 0.00283 90 0.22800

45 0.00311 91 0.24307

46 0.00344 92 0.25878

47 0.00382 93 0.27511

48 0.00424 94 0.29203

49 0.00472 95 0.30952

50 0.00524 96 0.32755

51 0.00582 97 0.34607

52 0.00644 98 0.36505

53 0.00712 99 0.38444

54 0.00784

55 0.00861

56 0.00943

57 0.01029

58 0.01103

59 0.01195


3rd

jh

98

lkj.kh - 17(ii)

Hkkjrh; thou chek fuxe esa okf"k Zdh èkkjdksa dh e`R;q nj&,yvkbZlh d(96-98) vYVhesVvk;q e`R;q nj thou laHkkO;rk vk;q e`R;q nj thou laHkkO;rk

20 0.000919 57.45 65 0.013889 17.33

21 0.000961 56.50 66 0.015286 16.56

22 0.000999 55.56 67 0.017026 15.81

23 0.001033 54.61 68 0.019109 15.08

24 0.001063 53.67 69 0.021534 14.36

25 0.001090 52.72 70 0.024301 13.67

26 0.001113 51.78 71 0.027410 12.99

27 0.001132 50.84 72 0.030862 12.35

28 0.001147 49.89 73 0.034656 11.72

29 0.001159 48.95 74 0.038793 11.13

30 0.001166 48.01 75 0.043272 10.56

31 0.001170 47.06 76 0.048093 10.01

32 0.001170 46.12 77 0.053257 9.49

33 0.001171 45.17 78 0.058763 9.00

34 0.001201 44.22 79 0.064611 8.53

35 0.001246 43.28 80 0.070802 8.08

36 0.001308 42.33 81 0.077335 7.66

37 0.001387 41.38 82 0.084210 7.26

38 0.001482 40.44 83 0.091428 6.88

39 0.001593 39.50 84 0.098988 6.52

40 0.001721 38.56 85 0.106891 6.19

41 0.001865 37.63 86 0.115136 5.87

42 0.002053 36.70 87 0.123723 5.56

43 0.002247 35.77 88 0.132652 5.28

44 0.002418 34.85 89 0.141924 5.01

45 0.002602 33.93 90 0.151539 4.76

46 0.002832 33.02 91 0.161495 4.52

47 0.003110 32.11 92 0.171794 4.29

48 0.003438 31.21 93 0.182436 4.07

49 0.003816 30.32 94 0.193419 3.87

50 0.004243 29.43 95 0.204746 3.68

51 0.004719 28.56 96 0.216414 3.50

52 0.005386 27.69 97 0.228425 3.33

53 0.006058 26.84 98 0.240778 3.17

54 0.006730 26.00 99 0.253473 3.01

55 0.007401 25.17 100 0.266511 2.86

56 0.008069 24.35 101 0.279892 2.72

57 0.008710 23.55 102 0.293614 2.59

58 0.009397 22.75 103 0.307679 2.46

59 0.010130 21.96 104 0.322087 2.33

60 0.010907 21.18 105 0.336836 2.19

61 0.011721 20.41 106 0.351928 2.05

62 0.011750 19.64 107 0.367363 1.89

63 0.012120 18.87 108 0.383139 1.70

64 0.012833 18.10 109 0.399258 1.45

110 0.415720 1.08


3rd

jh

100

lkj.kh - 18

thou chekdÙkk Zvk sa ds fu;r chekadd(31 ekp Z] 2003 dks)

,yk,at ctkt vÕ;j oS|ukFku x.kifr

, ,e ih luekj jkekLokeh lqUnjjktu] ,iQ , ,l vkbZ

vohok ykbZiQ dsoy Ñ".k oèkok] ,iQ , ,l vkbZ

ch ,l ,y vkbZ lh ihVj ts- ,dlZ] ,iQ , ,l vkbZ

,l ,l ,y vkbZ lh fudksyl MsfoM VkdsV] ,iQ , ,l vkbZ

vkbZ ih ,y vkbZ lh oh jktxksikyu] ,iQ , ,l vkbZ

vkbZ ,u th oS';k vkpk;Z oSadVlqczãf.k;u] ,iQ , ,l vkbZ

,y vkbZ lh ,u-,l- 'kkL=kh] ,iQ , ,l vkbZ

,e ,u okbZ ,y vkbZ lh jktsanz ih- 'kekZ] ,iQ , ,l vkbZ

eSV ykbZiQ lqjs'k th- xqgkxMdj] ,iQ , ,l vkbZ

vkse dksVd ,UMª;w dkVZjkbZV] ,iQ , ,l vkbZ

,l ch vkbZ ykbZiQ Mk- vkj- dkuu] ,iQ , ,l vkbZ

VkVk , vkbZ th iqQ;ksax ck pqax] ,iQ , ,l vkbZ

fV Ii.k %

,y vkbZ lh % Hkkjrh; thou chek fuxe

ch ,l ,y vkbZ lh % fcjyk lu ykbZiQ chek dEiuh fyfeVsM

vkbZ ih ,y vkbZ lh % vkbZ lh vkbZ lh vkbZ izwMsaf'k;y thou chek daiuh fyfeVsM

,e ,u okbZ ,y vkbZ lh % eSDl U;w;kdZ thou chek daiuh fyfeVsM

,p ,l ,y vkbZ lh % ,p Mh ,iQ lh LVSaMMZ thou chek daiuh fyfeVsM


3rd

jh

102

(ii) lkèkkj.k chek

lkèkkj.k chek m|ksx esa] ftlesa o"kks± rd ifCyd lsDVj chek

daifu;ksa dk opZLo jgk gS] o"kZ 2002&03 futh daifu;ksa dsfy, rhljk o"kZ FkkA futh vkSj ifCyd nksuksa {ks=k dh daifu;ksa

us] muds }kjk fuEukafdr ldy izhfe;e esa o`f¼ dh vkSj ns'kds Hkhrj m|ksx esa 14272-67 djksM+ #i, dk izhfe;e izkIr

fd;k x;kA ifCyd vkSj futh {ks=k dh daifu;ksa ds dkjckj dkfo'ys"k.k uhps fn;k x;k gSA

o"kZ 2002&03 ds nkSjku lkèkkj.k chek {ks=k esa 13 daifu;ka Fkha]buesa ls pksykeaMye ,e ,l lkèkkj.k chek daiuh fyfeVsM

vkSj ,p Mh ,iQ lh&pCc lkèkkj.k chek daiuh fyfeVsM usvDVwcj] 2002 esa viuk dk;Zdj.k vkjEHk fd;k FkkA bl

izdkj bl o"kZ futh daifu;ksa dh la[;k N% ls c<+dj vkB gksxbZA bZ lh th lh ds fy, Hkh] izkfèkdj.k esa blds jftLVªhdj.k

ds i'pkr~ dkjckj djus dk igyk o"kZ FkkA ;g mYys[kuh; gSfd bZ lh th lh dbZ o"kks± ls izR;{k chek miyCèk djk jgk gS

vkSj og lkèkkj.k chek dkjckj (jk"Vªh;dj.k) vfèkfu;e]1972 ds vuqlkj ,d NwVizkIr chekdÙkkZ FkkA

31 ekpZ] 2003 dks lekIr gksus okys o"kZ ds fy, chekdÙkkZvksa}kjk izLrqr laijhf{kr vkadM+ksa ds vuqlkj] ns'k esa fuEukafdr

dqy izR;{k dkjckj esa ls 90-60 izfr'kr dkjckj ifCydlsDVj ds chekdÙkkZvksa }kjk fd;k x;k vkSj futh {ks=k esa 9-40

izfr'kr dkjckj gh gks ldkA blds foijhr o"kZ 2001&02 esaifCyd lsDVj chekdÙkkZvksa us 96-24 izfr'kr dkjckj vkSj N%

futh {ks=k dh daifu;ksa us ek=k 3-76 izfr'kr dkjckj fuEukafdrfd;k FkkA xSj&thou chekdrkZvksa }kjk izLrqr vkadM+ksa ds

fo'ys"k.k ls ;g irk pyrk gS fd ns'k esa lkèkkj.k chekdkjckj eas 21-12 izfr'kr dh nj ls fodkl gqvkA dkjckj dk

fodkl eq[;r;k izdh.kZ chek {ks=k esa gqvk] ftlesa o`f¼ nj25-35 izfr'kr FkhA bl {ks=k eas lokZfèkd 70-82 izfr'kr dk

vfèkdre dkjckj fuEukafdr fd;k x;kA ;gka Hkh eksVj izhfe;edk va'k cktkj esa 40-68 izfr'kr Fkk] ftlesa ls ifCyd lsDVj

dh daifu;ksa us 38-14 izfr'kr dkjckj fd;k vkSj futh {ks=kdh daifu;ksa us ek=k 2-54 izfr'kr dkjckj fd;kA LokLF; chek

cktkj us dqy lkèkkj.k chek izhfe;e ds 7-68 izfr'kr ij

dCtk fd;kA iqufoZyksdukèkhu o"kZ dh ,d eq[; miyfCèk ;gFkh fd bl o"kZ LokLF; chek 1000 djksM+ #i, dk vkadM+kikj dj x;kA blesa fiNys o"kZ dh rqyuk esa 50-10 izfr'kr dho`f¼ gqbZ vkSj bl o"kZ esa ;g 1095-90 djksM+ #i, FkkA chekdkjckj ds izdh.kZ oxZ ds izhfe;e esa 2044-45 djksM+ #i, dho`f¼ gqbZ] tcfd vfXu dkjckj esa dsoy 282-46 djksM+ #i,dh rFkk leqnzh chek eas 161-42 djksM+ #i, dh o`f¼ gqbZAizdh.kZ dkjckj esa vR;kfèkd o`f¼ ds eq[;r% nks dkj.k Fks]vFkkZr~ tqykbZ] 2002 esa izHkkoh fd;k x;k iqujhf{kr eksVjVSfjiQ vkSj esfMDyse ikfyfl;ksa esa o`f¼ gqbZA blds vfrfjDrlHkh chekdÙkkZvksa us viuk è;ku dkjckj dh O;fDrd :ijs[kkvksaij dsfUnzr fd;kA dkjckj ds leqnzh oxZ esa 15-32 izfr'kr dho`f¼ gqbZ] tcfd dkjckj ds vfXu oxZ esa 10-59 izfr'kr dho`f¼ gqbZA vfXu vkSj leqnzh chek {ks=k] ns'k esa dqy lkèkkj.kchek cktkj dk Øe'k% 20-67 izfr'kr vkSj 8-77 izfr'kr FksA

ifCyd vkSj futh {ks=k ds chp dkjckj feJ.k dk fo'ys"k.k;g minf'kZr djrk gS fd ifCyd lsDVj esa vfXu vkSjbathfu;jh oxZ] Hkkjr esa fuEukafdr ldy izR;{k izhfe;e vk;dk 19-43 izfr'kr vkSj yxHkx 4-5 izfr'kr Fks] tcfd futh{ks=k esa bu {ks=kksa dk va'k Øe'k% 32-63 izfr'kr vkSj yxHkx7 izfr'kr FkkA ;gka ;g mYys[kuh; gS fd dkjckj ds ;s nks oxZvkSj xSj&thou chek m|ksx esa lokZfèkd ykHk nsus okys gSaAnwljh vksj ifCyd lsDVj chekdÙkkZvksa }kjk fuEukafdr dkjckjesa eksVj LokLF; dk va'k Øe'k% yxHkx 41 vkSj yxHkx7-5 izfr'kr Fkk] tcfd futh {ks=k dh daifu;ksa ds fy, ;gva'k Øe'k% 27 vkSj 5-5 izfr'kr FkkA mPp nkok vuqikr dsdkj.k chek m|ksx esa eksVj vkSj LokLF; chek {ks=k vfèkdykHkizn dkjckj dh ifjfèk ds varxZr ugha vkrsA

ifCyd lsDVj ds chekdÙkkZ

ikap ifCyd lsDVj chekdÙkkZvksa us (bZlhthlh lfgr) foÙkh;

o"kZ 2002&03 ds nkSjku 12556-29 djksM+ #i, dk izhfe;e

fuEukafdr fd;kA blds varxZr bZlhthlh }kjk fd;k x;k

374-78 djksM+ #i, dk fu;kZr izR;{k chek Hkh gSA ifCyd

lsDVj dh pkj daifu;ksa us (bZlhthlh dks NksM+dj) fiNys o"kZ

dh rqyuk esa 14-25 izfr'kr dh o`f¼ ntZ dhA us'kuy daiuh


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us fiNys o"kZ dh rqyuk esa lokZfèkd 21-06 izfr'kr dh o`f¼

ntZ dh] 14-59 izfr'kr o`f¼ ds lkFk vksfj,aVy daiuh nwljs

LFkku ij jghA ;wukbZfVM vkSj U;w bafM;k daifu;ksa us Øe'k%

11-79 vkSj 11-64 izfr'kr dh o`f¼ ntZ dhA cktkj esa

Hkkxhnkjh ds eís U;w bafM;k 27-47 izfr'kr cktkj Hkkxhnkjh ds

lkFk izFke LFkku ij FkhA vU; rhu daifu;ksa esa ls izR;sd dh

cktkj eas Hkkxhnkjh yxHkx 20 izfr'kr jghA ifCyd lsDVj dh

daifu;ksa ds dkjckj la;kstu us cktkj #>ku dks viuk;kA

dkjckj ds oxks± ds fucaèkuksa esa eksVj oxZ ls lokZfèkd dkjckj

fd;k x;kA ifCyd lsDVj daifu;ksa }kjk fuEukafdr ldy

izhfe;e esa ls izR;sd daiuh esa LokLF; chek dkjckj dk va'k

yxHkx 8 izfr'kr FkkA ifCyd lsDVj daifu;ksa }kjk fuEukafdr

dkjckj esa bathfu;jh oxZ dk va'k yxHkx 4 izfr'kr FkkA

futh {ks=k ds chekdÙkkZ

futh {ks=k ds vkB chekdÙkkZvksa us foÙkh; o"kZ 2002&03 ds

nkSjku 1341-60 djksM+ #i, dk izhfe;e fuEukafdr fd;k vkSj

fiNys o"kZ dh rqyuk esa 187-53 izfr'kr dh o`f¼ ntZ dhA

lHkh chekdÙkkZvksa us] muds }kjk fuEukafdr dkjckj esa izHkkoh

o`f¼ dk izn'kZu fd;k gSA futh chekdÙkkZvksa esa ls ctkt

,yk,at lkèkkj.k chek daiuh fyfeVsM us dqy cktkj va'k ds

2-07 izfr'kr ij dCtk fd;k] blds i'pkr~ VkVk&,vkbZth us

1-63 izfr'kr ij] bZiQdks VksD;ks us 1-37 izfr'kr ij] vkbZ lh

vkbZ lh vkbZ yksEckMZ us 1-48 izfr'kr ij] fjyk;al 1-30

izfr'kr ij vkSj jkW;y lqanje us 1-29 izfr'kr ij viuh idM+

etcwr dhA pawfd pksykeaMye ,e ,l vkSj ,p Mh ,iQ lh&pc

dh lafØ;kvksa dk ;g izFke o"kZ Fkk] vr% blfy, cktkj esa

mudk vkdkj NksVk gh jgkA dqy feykdj futh {ks=k esa

fuEukafdr dkjckj esa ls vfXu vkSj izdh.kZ dkjckj dk va'k

Øe'k% 32-63 izfr'kr vkSj 61-10 izfr'kr jgk] 6-27 izfr'kr

va'k ds lkFk rhljk LFkku leqnzh dkjckj dk jgkA foÙkh; o"kZ

2002&03 esa gky gh esa pksykeaMye us tkiku dh ferlqbZ

lwehVkseks ls Hkkxhnkjh dh] tks daiuh esa 26 izfr'kr lkE;k ds

lkFk mldh fons'kh lgHkkxhnkj cu xbZA nks izorZdksa esa le>kSrs

ds i'pkr~ chekdÙkkZ dk uke ifjofrZr djds pksykeaMye ,e

,l lkèkkj.k chek daiuh fyfeVsM dj fn;k x;k FkkA

Hkkjr esa xSj&thou chekdÙkkZvksa dh ldy izR;{k izhfe;evk;] 'kq¼ izhfe;e vk; vkSj fuEukadu vuqHko rFkk ykHkksa dkladyu lkj.kh 28] 29 vkSj 30(i) vkSj 30(ii) eas fn;k x;k gSA

nkoksa dk vuqHko

m|ksx ds fy, ;g o"kZ dkiQh vPNk jgk D;ksafd ns'k ds fdlhHkkx esa dksbZ eq[; vkink fjiksVZ ugha dh xbZA m|ksx ds fy,mixr nkok vuqikr] tks fiNys o"kZ 89-6 izfr'kr Fkk] 78-7izfr'kr jgkA dkjckj ds izdh.kZ oxZ esa mixr nkok vuqikr106-4 izfr'kr ls ?kVdj 87-7 izfr'kr jg x;kA vuqikr esadeh bl dkj.k ls vkbZ fd tgka chekdÙkkZvksa dk 'kq¼ izhfe;e8853-97 djksM+ #i, ls c<+dj 10566-20 djksM+ #i, gks x;kogha 'kq¼ mixr nkoksa esa dkiQh deh gqbZ] tks 7929-86 djksM+#i, ls c<+dj 8317-49 djksM+ #i, gks x,A

ifCyd lsDVj ds chekdÙkk Z % bl o"kZ pkj jk"Vªh;Ñr chekdaifu;ksa vkSj blhthlh ds fy, dqy mixr nkok vuqikrfiNys o"kZ ds 90-2 izfr'kr dh rqyuk esa 80-2 izfr'kr jgkAU;w bafM;k vkSj vksfj,aVy ds fy, mixr nkok vuqikr yxHkx77 izfr'kr Fkh] ftlds foijhr ;wukbfVM bafM;k ds fy, nkokvuqikr 91-1 izfr'kr FkkA dkjckj ds fofHkUu izoxks± ds fy,mixr nkok vuqikr dk forj.k bl izdkj Fkk] vfXu & 48-10izfr'kr_ leqnzh & 67-2 izfr'kr vkSj izdh.kZ & 89-6 izfr'krAizdh.kZ oxZ eas vfèkdre nkok vuqikr mixr fd;k x;kA

futh chekdÙkk Z % futh chekdÙkkZvksa dk mixr nkok vuqikr52 izfr'kr Fkk] tks ifCyd lsDVj ds chekdÙkkZvksa ds mixrnkok vuqikr ls dkiQh de gSA dkjckj ds vfXu vkSj izdh.kZoxks± esa nkok vuqikr Øe'k% 22 izfr'kr vkSj 56 izfr'kr FkkAfuth daifu;ksa esa ls vkbZ lh vkbZ lh vkbZ&yksEckMZ esa mixrnkok vuqikr 40 izfr'kr Fkk] biQdks VksD;ks esa 41 izfr'kr] VkVk, vkbZ th esa 47 izfr'kr] jkW;y lqanje esa 54 izfr'kr] ctkt,yka,t esa 59 izfr'kr vkSj fjyk;al eas 99 izfr'kr FkkApksykeaMye ,e ,l vkSj ,p Mh ,iQ lh & pCc esa] ubZdaifu;ka gksus ds dkj.k] mixr nkok vuqikr Øe'k% 14 vkSj13 izfr'kr FkkA


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xSj&thou {ks=k ds ifCyd vkSj futh chekdÙkkZvksa ds mixrnkok vuqikrksa dk ladyu lkj.kh 31(i) vkSj (ii) esa gSA

nykyh vkSj izpkyu O;;

chekdÙkkZvksa ds chek dkjckj ls lacafèkr nykyh vkSj izpkyu

lacaèkh O;; vfèkd cus jgs vkSj ;s chek fu;e] 1939 dsvèkhu fofgr yxHkx 20 izfr'kr dh dkuwuh lhek ls vfèkdFksA dqy feykdj] foÙkh; o"kZ 2002&03 ds fy, m|ksx dkvkSlr Hkkjr esa vafdr ldy izR;{k izhfe;e dk 28-12izfr'kr FkkA

ifCyd lsDVj ds chekdÙkk Z % pkj ifCyd lsDVj chekdÙkkZvksads izpkyu O;;ksa dk Hkkjr esa ldy izR;{k izhfe;e ls vuqikr21-51 izfr'kr FkkA ;g fiNys foÙkh; o"kZ ds 22-97 izfr'krds vuqikr dh rqyuk esa de FkkA pkj ifCyd lsDVj chekdÙkkZvksads eís izpkyu O;;] o"kZ 2001&02 ds 2525-78 djksM+ #i,dh rqyuk eas 2766-60 djksM+ #i, Fkk vkSj bl izdkj blesa iwoZo"kZ dh rRleku vofèk ds eqdkcys 9-53 izfr'kr dh o`f¼gqbZA o"kZ 2002&03 esa nykyh ds lank;ksa esa 7 izfr'kr dh o`f¼gqbZ] tcfd iwoZ o"kZ esa ;g o`f¼ 5-65 izfr'kr FkhA 2002&03ds nkSjku fuEukafdr dkjckj ds fy, lhèks lank; dh xbZ nykyh'kh"kZ ds vèkhu jkf'k 909-46 djksM+ #i, Fkh] tcfd o"kZ2001&02 esa ;g jkf'k 642-28 djksM+ #i, Fkh] ftldk vFkZgS blesa iwoZ o"kZ dh rqyuk esa 41-60 izfr'kr dh o`f¼ gqbZAnykyh vkSj izpkyu O;;] Hkkjr esa vafdr ldy izR;{kizhfe;e dk 28-29 izfr'kr Fks vkSj bl izdkj ns'k ds Hkhrjchek laO;ogkjksa dh ykxr esa o`f¼ gqbZA

futh chekdÙkk Z % futh chekdÙkkZvksa us vius izcaèku lacaèkhO;;ksa dks de djus ds fy, mik, fd, gSa vkSj muds }kjkizLrqr foÙkh; fjiksVks± esa ;g minf'kZr gksrk gS fd izpkyu O;;de gks jgs gSaA fjyk;al ds izcaèku lacaèkh O;; 14-37 izfr'krij U;wure Fks] 20-62 izfr'kr ds lkFk nwljk LFkku vkbZ lhvkbZ lh vkbZ yksEckMZ dk FkkA vU; futh chekdÙkkZvksa dsekeyksa esa O;; vuqikr 22 izfr'kr ls 30 izfr'kr ds chp FkkApksykeaMye ,e ,l vkSj ,p Mh ,iQ lh & pCc dh ftu nksdaifu;ksa us o"kZ 2002&03 esa izpkyu vkjaHk fd;k Fkk] esaizcaèku O;; vuqikr vfèkd FkkA ubZ daifu;ksa ds izcaèku O;;

mudh izkjafHkd vkjaHk djus dh ykxrksa vkSj vis{kkÑr deizhfe;e dks è;ku esa j[krs gq,] vfèkd gksus dk vuqeku yxk;ktkrk gSA dkjckj fuEukafdr djus ds fy, lhèks lank; dh xbZnykyh 5-84 djksM+ #i, ls c<+dj 37-35 djksM+ #i, gks xbZA;g Hkkjr esa fyf[kr ldy izR;{k izhfe;e dk yxHkx 2-78izfr'kr FkhA blls ;g Hkh minf'kZr gksrk gS fd futh {ks=k dhdaifu;ka dkjckj izkIr djus ds fy, vfHkdÙkkZvksa vkSj nykyksatSls eè;ofrZ;ksa ij fdruk Hkjkslk djrh gSaA futh daifu;ksa dsfy, dqy O;; vuqikr 26-48 izfr'kr FkkA

fuos'k

iwjs fo'o esa lkèkkj.k chek dkjckj izfr;ksxh ifjfLFkfr;ksa esadk;Z djrk gS] ftlds ifj.kkeLo:i chekdÙkkZvksa dks gkfufuEukafdr gksrh gSA Hkkjr Hkh bldk viokn ugha gSA lHkhdaifu;ksa us gkfu fuEukafdr dhA rFkkfi] bu gkfu;ksa dh fuos'kvk; }kjk izfriwfrZ gks xbZ FkhA fuos'k izkfIr;ksa ls u dsoyfuEukafdr gkfu;ka lekIr gqbZ] vfirq buls vfèkdka'k daifu;kaykHk dekus esa Hkh leFkZ gqb±A o"kZ 2002&03 esa lkèkkj.k chekm|ksx (bZ lh th lh dks NksM+dj) dks 2637 djksM+ #i, dhldy fuos'k vk; gqbZA

'kq¼ ykHk

lHkh pkjksa ifCyd lsDVj daifu;ksa us foÙkh; o"kZ 2002&03 dsnkSjku 'kq¼ ykHk fn[kk, rFkk us'kuy vkSj vksfj,aVy daifu;kaHkh fiNys o"kZ dh gkfu ls mHkj ldhaA dj ds i'pkr~ pkjifCyd lsDVj chekdÙkkZvksa dk ykHk 625-70 djksM+ #i, FkkAifCyd lsDVj chekdÙkkZvksa us dsUnzh; ljdkj ds jktLo esa]ykHkka'k ds :i esa 110 djksM+ #i, dk vfHknk; fd;k vkSjblesa fiNys o"kZ dh rqyuk esa 100 izfr'kr dh o`f¼ gqbZAfoÙkh; o"kZ 2001&02 esa ifCyd lsDVj chekdÙkkZvksa us ykHkka'kds en~ns dqy 50 djksM+ dk lank; fd;k FkkA

futh {ks=k ds chekdÙkkZvksa es ls pkj daifu;ksa] vFkkZr~ ctkt,yk,at] biQdks&VksD;ks] fjyk,al vkSj vkbZ lh vkbZ lh vkbZdks foÙkh; o"kZ 2002&03 ds nkSjku 'kq¼ ykHk dek;k gSAbiQdks&VksD;ks mnkjhdj.k ds i'pkr~ vius 'ks;jèkkjdksa dks 2djksM+ #i, ds ykHkka'k dh ?kks"k.kk djus okyk igyk futhchekdrkZ cu x;kA


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o"kZ 2002&03 ds nkSjku lkèkkj.k daifu;ksa dk dk;Zdj.klarks"ktud jgkA rFkkfi] vkus okys le; esa jk"Vªh;d`r lkèkkj.kchekdÙkkZvksa ds ykHkksa ij ncko iM+ ldrk gSA blds fy, dbZizdkj ds dkj.k gSa] ftuds varxZr c<+rh gqbZ izfr;ksfxrk dsncko] de izkfIr;ksa ij fuos'k] iksVZiQksfy;ks dk iqu%pØ.k]^eksVj rhljk i{kdkj* dkjckj dk fujarj de ewY;ksa ij cukjguk vkSj izcaèku O;;ksa dk vfèkd gksuk gS vkSj lkFk ghHkkjrh; cktkj esa nykyksa dks vuqefr fn, tkus ds i'pkr~dkjckj izkIr djus dh ykxr esa laHkkfor o`f¼ Hkh ,d dkj.kgks ldrk gSA vr% ifCyd lsDVj dh lkèkkj.k chek daifu;ksads fy, ;g vfuok;Z gS fd os vius fuEukadu O;ogkjksa easlqèkkj yk,a] ykxr dks fu;af=kr djsa vkSj nkok izcaèku rFkk lsokekudksa esa lqèkkj yk,aA ifCyd lsDVj daifu;ksa ds fy, vuqdwyckr ;g gS fd vPNh foÙkh; fLFkfr] èku'kksèku] iq"V lkE;kiksVZiQksfy;ks vkSj etcwr iqu% chek lacaèkksa ds lkFk&lkFk mudsikl jk"Vªh; fo'ks"kkfèkdkj Hkh gSaA tgka rd futh daifu;ksa dklacaèk gS] mudk dk;Zdj.k vHkh vkjafHkd izØe ij gS] vkSj buchekdÙkkZvksa dks vHkh viuh lafØ;kvksa dks LFkkfir djuk gSvkSj vius fy, ,d cktkj Hkh cukuk gSA rFkkfi] futh {ks=k dschekdÙkkZ nkok ykxrksa dks fu;af=kr djus] lsok ekudksa esa lqèkkjykus vkSj izpkyu dks de djus ds fy, Hkh mik; dj jgs gSaA;g vk'kk dh tkrh gS fd bu iz;klksa ls lq[kn ifj.kke lkeusvk,axsA xSj&thou {ks=k ds ifCyd vkSj futh chekdÙkkZvksa dsi`Fkd jktLo ys[kkvksa] ykHk vkSj gkfu ys[kkvksa rFkk rqyu&i=kksadk ladyu lkj.kh 19 ls 24 esa gSA th vkbZ lh dk jktLoys[kk] ykHk vkSj gkfu ys[kk rFkk rqyu&i=k lkj.kh 25 ls 27esa gSA

foÙkh; o"kZ 2002&03 ds nkSjku xSj&thou chekdÙkkZvksa us dbZxSj&VSfjiQ mRikn vkjaHk fd,A chekdÙkkZvksa us chek cktkj dsNksVs vkSj [kqnjk oxksZ rFkk lkFk gh dkjckj dh O;fDrd:ijs[kkvksa dks è;ku esa j[krs gq, mRiknksa esa vfHko`f¼;ka dhA;g chekdÙkkZvksa }kjk viukbZ xbZ forj.k vkSj foi.ku uhfr;ksads vuq:i FkkA izkfèkdj.k us Hkh vfXu lewg ds tksf[keksa dsfo#¼ ?kjsyw lkeku dk izFke gkfu vkèkkj ij chek djus okyhikfyfl;ksa dks Hkh vuqKkr fd;k] blesa chek dh O;fDrd:ijs[kkvksa dks c<+kok feyus dh laHkkouk gSA ifCyd lsDVjdaifu;ksa us de izhfe;e ij ;wfuolZy LokLF; chek LdhevkjaHk dh vkSj fons'kh esfMDyse ikfyfl;ksa esa Hkh la'kksèku

fd,A ,d ifCyd lsDVj chekdÙkkZ us nykyksa ds fy, o`fÙkd{kfriwfrZ ikfylh vkjaHk dh vkSj ,d vU; chekdÙkkZ us izR;{kchek vkjaHk fd;kA nwljh vksj futh {ks=k dh daifu;ksa usO;fDrd :ijs[kk ds chek ij è;ku dsfUnzr djrs gq, vusdiSdst~M mRikn vkjaHk fd,A Hkkjrh; cktkj esa vkjaHk fd, x,dqN u, chek mRikn ekSle ds [krjksa] dk;Zfu"iknu izR;kHkwfr]ikjLifjd fufèk&vfLr;ksa] vkfn ds tksf[keksa ls laj{kk iznkudjrs gSa vkSj ;g fo'ks"k izÑfr ds gSaA o"kZ 2001&02 vkSj2002&03 esa xSj&thou chekdÙkkZvksa }kjk vkjaHk fd;s x,mRiknksa dh lwph lkj.kh 32(i) vkSj (ii) ij gSA

varjjk"Vªh; lafØ;k,a

ifCyd lSDVj dh xSj&thou daifu;ka fons'kksa esa Hkh lfØ; gSavkSj rhl ns'kks a esa viuh 'kk[kkvksa ;k vfHkdj.kks a ;klgc¼ksa@lgk;d daifu;ksa ds ekè;e ls lafØ;k,a dj jgh gSaA;wukbZVsM vkSj us'kuy daifu;ksa dh gkaxdkax esa dh lafØ;k,aØe'k% 1&4&2002 vkSj 18&2&2002 dks lekIr gks xb±A U;wbafM;k nksuksa daiuh ds 'ks"k iksVZiQksfy;ks dh ns[kHkky dj jghgSA ,d chekadd }kjk rkjh[k 31&3&2003 rd chekafddewY;kadu fd;k Fkk vkSj izhfe;e nkf;Ro rFkk mixr fdarqfjiksVZ ugha fd, x, (vkbZ ch ,u vkj) nkf;Ro ds fy,vko';d izkoèkku miyCèk djk, x, gSaA dsu bafM;k chekdaiuh fyfeVsM] dsU;k vkSj Hkkjr varjkZ"Vªh; chek izk- fyfeVsM]flaxkiqj ds dk;Zikyu esa fiNys o"kZ dh rqyuk esa lqèkkj vk;kgSA lkèkkj.k chek daifu;ksa us chek igqap vkSj chek ?kuRo esao`f¼ djus ds fy, fofHkUu j.kfufr;ka rS;kj dh gSaA vfèkdka'kdaifu;ksa us cSadksa ls] fuxfer vfHkdj.k ds :i esa ;k lanHkkZRedO;oLFkk ds vèkhu cSadksa ls xBtksM+ fd;k gS] ftlls fd cSadksadh O;kid igaqp dk chek mRiknksa ds foi.ku ds fy, mi;ksxfd;k tk ldsA xzkeh.k dkjckj ds fodkl ds fy, chekdÙkkZjkT; lgdkjh cSadksa] dikl mxkus okyksa dh jkT;Lrjh;lgdkfjrkvksa] Ms;jh ekfydksa] 'kdZjk lgdkfjrkvksa] vkfn lsxBtksM+ fd;k gSA xzkeh.k cktkjksa ds fy, efgyk Lo&lgk;rklewgksa] gFkdj?kk cqudjksa] dkjhxjksa] tutkfr;ksa] vkfn tSls u,vko';drk vkèkkfjr iSdst~M mRikn Hkh chekdÙkkZvksa }kjkrS;kj fd, tk jgs gSaA

eksVj chek] tks ns'k esa lkèkkj.k chek ds 40 izfr'kr ds cjkcjgS] fujarj gkfu okyk iksVZiQksfy;ks cuk gqvk gSA izkfèkdj.k dks


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fofHkUu fgrc¼ lewgksa ls iqujhf{kr eksVj VSfjiQ dks ykxw djusds lacaèk esa vusd vH;kosnu izkIr gq, Fks vkSj mUgsa 1 tqykbZ]2002 ls izHkkoh cuk;k x;k FkkA ;g nkok fd;k x;k Fkk fdchekdÙkkZ vfèklwfpr VSfjiQ lajpuk dk vuqikyu ugha dj jgsgSa vkSj iqujhf{kr VSfjiQ dks ykxw fd, tkus ds ifj.kkeLo:ichek djkus okyksa ds dfri; izoxks± dh ckcr chek doj dhykxr esa csrgk'kk o`f¼ gqbZ gSA ifjogu izpkydksa us Hkh laifÙkvkSj thou ds izfr r`rh; i{kdkj nkf;Ro dh ckcr chekmiyCèk u gksus ds lacaèk esa vH;kosnu fd;k FkkA nwljh vksjchekdÙkkZvksa us viuk i{k ;g ladsr nsrs gq, j[kk fd mudsfy, eksVj iksVZiQksfy;ksa esa gkfu;ksa dks mBkrs jguk vR;fèkddfBu FkkA bl oxZ esa nkok vuqikr] fuEukafdr izhfe;e lsdkiQh vfèkd FkkA okLro esa] eksVj iksVZiQksfy;ks dks xSj&thouiksVZiQksfy;ks ds vU; ykHknk;d izoxks± ls vkfFkZd lgk;rk nhtk jgh FkhA bu xfrfofèk;ksa dks è;ku esa j[krs gq,] izkfèkdj.kus VSfjiQ eqDr djus vkSj iwy djus lacaèkh O;oLFkkvksa lfgreksVj fuEukadu ds fofHkUu igyqvksa dh tkap djus ds fy, ,dlfefr dk xBu fd;kA lfefr dks vkaèkz izns'k mPp U;k;ky;ds lsokfuo`Ùk U;k;kèkh'k] U;k;ewfrZ Vh ,u lh jaxjktu dhvè;{krk esa xfBr fd;k x;k FkkA

jaxjktu lfefr us ekpZ] 2003 esa viuh fjiksVZ izLrqr djrsle; fuEufyf[kr fliQkfj'ksa dha%

1- djarhu r`rh; i{kdkj (Vh ih) nkf;Ro chek dkjckjvkSj bldk chek daifu;ksa dh cfg;ksa esa fuEukaduA

2- eksVj;ku nq?kZVukvksa ds fy, r`rh; i{kdkj nkf;Ro dsfy, dkuwu nkf;Ro ds iqufoZyksdu dh ekax dh tk,AHkkjr ljdkj ls bl fliQkfj'k ij fopkj fd, tkusdk vuqjksèk fd;k tk,A

3- Vh , lh ds vèkhu ,d Lora=k MkVk cSad dh LFkkiukdh tk,] chek daifu;ksa dks cSad dks MkVk iznku djusdh vkKk nh tk, vkSj izLrkfor VSfjiQ dks U;k;iw.kZfl¼ djus ds fy, MkVk cSad esa Mªk fd;k tk,A

4- iQkby vkSj mi;ksx izfØ;k ij vkèkkfjr izfr;ksxhizhfe;e fu;r djus ds vkn'kZ :i ds vèkhu eksVjiksVZiQksfy;ks ds fy, Lo gkfu oxZ dks ifjorZu ds

fy, le; lwph ds lkFk VSfjiQ dks lekIr fd;ktk,A

fjiksVZ ds fu"d"kks± ij izkfèkdj.k us gSnjkckn esa ebZ] 2003 esalkèkkj.k chek daifu;ksa ds eq[; dk;Zikydksa ds lkFk gqbZviuh cSBd esa fopkj&foe'kZ fd;k FkkA cSBd esa vke lgefrls] 1 vizSy] 2005 ls] eksVj nkf;Ro ds Lo gkfu Hkkx dheqDr :i ls ewY; r; djus dh i¼fr dks izHkkoh djus dkfofu'p; fd;k x;kA blds rqjar i'pkr izkfèkdj.k us bllacaèk esa VSfjiQ lekIr djus ds fy, ;kstuk rS;kj djus gsrqJh ,l oh lksuh dh vè;{krk esa ,d lfefr dk xBu fd;kAlfefr dks mRiknksa dh cktkj esa eqDr miyCèkrk ds fy,;kstuk rS;kj djus ds fy, miyCèk fodYiksa ij fopkj djukgS vkSj foHksnh VSfjiQksa dks viuk, tkus lfgr bl lacaèk esa fd,tkus okys vko';d mik;ksa dk Hkh lq>ko nsuk gSA lfefr dksiSjkehVj cukdj] vko';d vè;;u djds] fons'kksa esa izpfyrcktkj O;ogkjksa dh {ks=kokj rqyuk djds vkSj bl dk;Z dksdjrs gq, chekaddksa ls ijke'kZ djds le;c¼ jhfr esa eksVjvks Mh dk VSfjiQ djus lacaèkh VSfjiQ lykgdkj lfefr dksviuh fliQkfj'ksa nsuh gSaA

iqu%chek

lkèkkj.k chek fuxe (th vkbZ lh) us Hkkjrh; chek cktkj esaiqu%chekdÙkkZ ds :i esa vius u, vorkj esa Hkkjrh; izR;{kchekdÙkkZvksa dks leFkZu dk izLrko fd;k gS vkSj 1500 djksM+#i, ih ,e ,y rd ds tksf[ke dks doj djus dh {kerkfodflr dh gSA Hkkjrh; dkjckj ls 'kq¼ izhfe;e] tks 2001&02esa 2199-63 djksM+ #i, Fkk] 2002&03 esa c<+dj 2817-32djksM+ #i, gks x;k] vFkkZr blesa 28-1 izfr'kr dh o`f¼ gqbZA'kq¼ nkok fudklh fiNys o"kZ ds 1989-82 djksM+ #i;s ls degksdj 2002&03 esa 1891-93 jg xbZ] ftldk vFkZ ;g gS fd;g vkink eqDr o"kZ FkkA

Hkkjrh; vkod foekuu izhfe;e] tks fiNys o"kZ 64-91 djksM+#i, Fkk] o"kZ 2002&03 esa c<+dj 91-66 djksM+ #i, gks x;kAblh izdkj th vkbZ lh dk fons'kh vkod foekuu izhfe;e20-80 djksM+ #i;s ls c<+dj 81-51 djksM+ #i, gks x;k vkSjfons'kh vkod dkjckj esa pkj xquk o`f¼ gqbZA ys[kk esa i'pxeuds i'pkr 'kq¼ izhfe;e fiNys o"kZ ds 17-32 djksM+ #i;s dh


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rqyuk esa 71-67 djksM+ #i, FkkA fiNys o"kZ ds 12-53 djksM+#i, ds 'kq¼ nkoksa dh rqyuk esa bl o"kZ 'kq¼ nkos 71-77djksM+ #i, ds Fks vkSj 'kq¼ nkoksa essa vR;fèkd o`f¼ ntZ dhA

o"kZ ds nkSjku 'kq¼ fons'kh vkod izhfe;e esa dkiQh o`f¼ gqbZvkSj ;g iwoZ o"kZ ds 159-14 djksM+ #i, dh rqyuk esa 645-63djksM+ #i, jgkA th vkbZ lh us 11 flracj dh ?kVuk dsi'pkr iqu%chek cktkj ls vusd iqu%chekdÙkkZvksa ds gV tkusds i'pkr bl oxZ esa vfèkd izhfe;e vafdr djus ds voljksadk ykHk mBk;kA o"kZ ds nkSjku 'kq¼ mixr nkoksa esa o`f¼ gqbZvkSj ;g fiNys o"kZ ds 162-42 djksM+ #i, dh rqyuk esac<+dj 423-04 djksM+ gks x,] vFkkZr~ buesa 160 izfr'kr dho`f¼ gqbZA ;gka ;g crkuk vko';d gS fd fons'kh dkjckj dhn'kk esa nkos dkiQh lekofèk esa lkeus vkrs gSaA

th vkbZ lh Hkkjrh; thou chek esa voljksa dk ykHk mBk jgkgS vkSj blds ifj.kkeLo:i blesa iqjkuh vkSj ubZ daifu;ksa lslacaèk fodflr djus ds fy, i`Fkd MsLd dh LFkkiuk dh gSAizkjaHk esa ,y vkbZ lh us th vkbZ lh ds i{k esa lHkh ikfyfl;ksaij 10 izfr'kr ckè;dkjh midj dk izLrko djuk vkjaHkfd;kA

31 ekpZ] 2003 dks th vkbZ lh dk dqy fuos'k] tks 2001&02dh lekfIr ij 7948-71 djksM+ #i, Fkk] c<+dj 8622-98djksM+ #i, gks x;k FkkA rFkkfi] fuos'k vk; esa deh vkbZ vkSj;g 2001&02 esa dh 961-80 djksM+ #i, ls de gksdj 949-88djksM+ #i, jg xbZ vkSj bl izdkj blls fiNys o"kZ dh 14izfr'kr dh izkfIr dh rqyuk esa dsoy 12 izfr'kr izkfIr gqbZAizkfIr esa deh dk dkj.k C;kt njksa esa deh gS] ftuesa o"kZ dsnkSjku 300 vkèkkfjd vadksa dh deh vkbZA blds ifj.kkeLo:io"kZ ds nkSjku fd, x, o`f¼ fuos'k fo|eku fuEu C;kt njksa ijFksA blds vfrfjDr jsfVM dkxtksa esa fuos'k ds lhfer voljmiyCèk Fks vkSj mu ij Hkh izkfIr;ka vis{kkd`r de FkhaA thvkbZ lh dks o"kZ 2002&03 ds nkSjku dj dh dVkSrh ds mijkar261-46 djksM+ #i, dk ykHk gqvk] tks fiNys o"kZ ds 306-70djksM+ #i, ds ykHk ls de FkkA th vkbZ lh dk dsUnzh;ljdkj ds [ktkus esa] o"kZ 2002&03 ds fy, ykHkka'k forj.kds ekè;e ls 47-30 djksM+ #i, FksA

2003-04 dh igyh N%ekgh ds nk Sjku dk;Zikyu

xSj&thou oxZ esa] pkyw foÙkh; o"kZ dh igyh N%ekgh ds nkSjkufuEukafdr ldy izhfe;e 8081-06 djksM+ #i, Fkk] vFkkZr

blus o"kZ 2002&03 dh rRleku vofèk ds nkSjku gqbZ 7169-88djksM+ #i, dh izhfe;e vk; ls 12-71 izfr'kr vfèkd FkkA

ifCyd lsDVj ds chekdÙkkZvksa us 6973-78 djksM+ #i, dkizhfe;e fuEukafdr fd;k] tks o"kZ 2002&03 dh rRleku

vofèk ds nkSjku fuEukafdr izhfe;e ls 6-03 izfr'kr vfèkdFkkA ifCyd lsDVj daifu;ksa esa ls bZ lh th ls 26-98 izfr'kr

dh vfèkdre o`f¼ ntZ dh] 16-76 izfr'kr dh o`f¼ ds lkFknwljk LFkku us'kuy daiuh dk jgkA ifCyd lsDVj ds vU;

rhu chekdÙkkZvksa us 1-16 vkSj 3-62 izfr'kr ds chp o`f¼ ntZdhA blds foijhr futh chekdÙkkZvksa us 1107-27 djksM+ #i,

dk izhfe;e fuEukafdr fd;k gS] vFkkZr~ fiNys o"kZ dh rRlekuvofèk ds izhfe;e ls 86-72 izfr'kr vfèkdA futh {ks=k ds

chekdÙkkZvksa ds fodkl iSVuZ esa dkiQh fofoèkrk fn[kkbZ nhAtgka o"kZ 2002&03 dh rRleku vofèk dh rqyuk esa vkbZ lhvkbZ lh vkbZ us fuEukafdr izhfe;e esa 222 izfr'kr dh o`f¼

ntZ dh] ogha fjyk;al ds ekeys esa 6-02 izfr'kr dh dehvkbZA vU; futh daifu;ksa dh n'kk esa o`f¼ nj 48 vkSj 67

izfr'kr ds chp jghA ;g mYys[kuh; gS fd ,p Mh ,iQ lhpCc vkSj pksykeaMye ,e ,l us foÙkh; o"kZ 2002 dh nwljh

N%ekgh esa dk;Z djuk vkjEHk fd;k FkkA

xSj&thou chekdÙkkZvksa ds cktkj va'k ds fucaèkuksa esa] fuEukafdrdkjckj esa 86-72 izfr'kr Hkkx ifCyd lsDVj ds chekdÙkkZvksa

ds fgLls esa Fkk] tcfd vkB futh chekdÙkkZvksa dk Hkkx ek=k13-28 izfr'kr FkkA ifCyd lsDVj chekdÙkkZvksa esa ls U;w bafM;k

us lokZfèkd 24-09 izfr'kr dkjckj fd;k] tcfd vksfj,aVy us18-62 izfr'kr dkjckj fd;k vkSj us'kuy rFkk ;wukbVsM esa ls

izR;sd us yxHkx 20 izfr'kr dkjckj fd;kA futh chekdÙkkZvksaesa ls vkbZ lh vkbZ lh vkbZ yksEckMZ us 2-91 izfr'kr cktkj

va'k ij dCtk fd;k] tcfd ctkt ,yk,at] VkVk , vkbZ thvkSj biQdks&VksD;ks us Øe'k% 2-70 izfr'kr] 2-40 izfr'kr vkSj

2-08 izfr'kr cktkj va'k ij viuh idM+ cukbZA vU; chekdÙkkZvksadk va'k 0-44 izfr'kr vkSj 1-64 izfr'kr ds chp jgkA

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jktLo ys[kk % ifCyd lsDVj xSj&thou chekdÙkk Z

(yk[k #i, esa)

fof'kf"V;k a U;w bafM;k vk sfj,aVy2002-03 2001-02 2002-03 2001-02

vfXu leqn zh i zdh.k Z ;k sx vfXu leqn zh i zdh.k Z ;k sx vfXu leqn zh i zdh.k Z ;k sx vfXu leqn zh i zdh.k Z ;k sx

vftZr izhfe;e ('kq¼) 79,027 21,009 229,679 329,715 67,924 18,812 199,151 285,887 36,030 12,891 136,656 185,577 39,282 17,921 124,869 182,072

fuos'kk sa ds foØ;@ foekspu ls 1,525 739 7,565 9,829 551 264 2,521 3,336 993 402 5,822 7,217 336 167 1,671 2,174

ykHk@ gkfu

vU; (fofufnZ"V djsa) 62 46 74 182 -30 (30)

C;kt] ykHkka'k vkSj fdjk;k&ldy 6,837 3,316 33,908 44,061 7,827 3,751 35,834 47,413 4,551 1,845 26,680 33,076 4,862 2,421 24,185 31,468

;ksx (d) 87,389 25,064 271,152 383,605 76,302 22,828 237,506 336,636 41,636 15,184 169,232 226,052 44,450 20,509 150,725 215,684

mixr nkos ('kq¼) 46,737 11,690 211,523 269,950 37,177 13,134 205,203 255,514 12,552 8,431 125,671 146,654 19,275 7,427 156,089 182,791

nykyh 3,341 (1,040) 17,013 19,314 850 (1,034) 8,167 7,982 (2,573) (715) 2,077 (1,211) (1,895) (465) 24 (2,337)

chek dkjckj ls lacaf/r 24,561 5,322 59,179 89,062 21,397 5,138 48,902 75,437 13,445 4,414 47,400 65,259 14,541 4,118 42,244 60,903

izpkyu O;;vU;&ifj'kks/u] gkfuxr vkSj izko/ku 1,129 547 5,597 7,273 1,027 492 4,705 6,224

fons'kh dj 83 8 323 414 56 9 261 327

;ksx ([k) 75,851 16,527 293,635 386,013 60,507 17,739 267,238 345,484 23,424 12,130 175,148 210,702 31,921 11,080 198,357 241,358

vfXu@ leqn zh@ i zdh.k Z@ 11,538 8,537 (22,483) (2,408) 15,795 5,089 (29,732) (8,848) 18,212 3,054 (5,916) 15,350 12,529 9,429 (47,632) (25,674)

dkjckj ls izpkyu ykHk@ (gkfu)x (d&[k)

fofu;k sx'ks;j/kjdksa ds ys[kk dks varj.k 11,538 8,537 (22,483) (2,408) 15,795 5,089 (29,732) (8,848) 18,212 3,054 (5,916) 15,350 12,529 9,429 (47,632) (25,674)

vkink vkjf{krh dks varj.kvU; vkjf{kfr;ksa dks vraj.k(fofufnZ"V djsa)

;k sx (x) 11,538 8,537 (22,483) (2,408) 15,795 5,089 (29,732) (8,848) 18,212 3,054 (5,916) 15,350 12,529 9,429 (47,632) (25,674)

Øe'k% - - - -

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jktLo ys[kk % ifCyd lsDVj xSj&thou chekdÙkk Z(yk[k #i, esa)

fof'kf"V;k a ; wukbV sM us'kuy ;ksx2002-03 2001-02 2002-03 2001-02 2002-03 2001-02


vftZr izhfe;e ('kq¼) 45,280 18,050 147,608 210,938 44,630 14,278 138,372 197,280 36,010 13,281 147,305 196,596 36,655 14,912 130,131 181,698 922,826 846,937

fuos'kk sa ds foØ;@ foekspu ls 1,654 821 10,178 12,653 878 540 5,129 6,547 929 585 6,080 7,594 200 136 1,101 1,437 37,293 13,494

ykHk@ gkfu

vU; (fofufnZ"V djsa) 71 36 249 356 (7) 47 804 844 32 (11) (140) (119) 7 263 270 237 1,114

C;kt] ykHkka'k vkSj fdjk;k&ldy 4,982 2,473 30,652 38,107 5,515 3,393 32,205 41,113 3,606 2,270 23,600 29,476 4,256 2,905 23,399 30,560 144,720 150,554

;ksx (d) 51,987 21,380 188,687 262,054 51,016 18,258 176,510 245,784 40,577 16,125 176,845 233,547 41,111 17,960 154,894 213,965 1,105,258 1,012,069

mixr nkos ('kq¼) 20,030 9,970 160,545 190,545 17,560 8,164 152,357 178,081 13,326 10,563 138,077 161,966 19,236 7,809 145,465 172,510 769,115 788,896

nykyh (3,451) (1,462) 2,982 (1,931) (3,745) (1,529) 3,521 (1,753) (2,085) (699) 7,319 4,535 (1,765) (651) 1,403 (1,013) 20,707 2,880

chek dkjckj ls lacaf/r 14,262 5,490 42,487 62,239 14,874 4,136 38,777 57,787 11,531 3,599 44,969 60,099 12,647 3,829 39,958 56,434 276,659 250,561

izpkyuvU;&ifj'kks/u] gkfuxr vkSj izko/ku 608 302 3,742 4,652 1,141 703 6,664 8,508 37 37 11,925 14,769

fons'kh dj 414 327

;ksx ([k) 31,449 14,300 209,756 255,505 29,830 11,474 201,319 242,623 22,772 13,463 190,365 226,600 30,155 10,987 186,826 227,968 1,078,820 1,057,432

vfXu@ leqn zh@ i zdh.k Z@ 20,538 7,080 (21,069) 6,549 21,186 6,784 (24,809) 3,161 17,805 2,662 (13,520) 6,947 10,956 6,973 (31,932) (14,003) 26,438 (45,363)

dkjckj ls izp kyu ykHk@(gkfu) x (d&[k)fofu;ksx'ks;j/kjdksa ds ys[kk dks varj.k 20,538 7,080 (21,069) 6,549 21,186 6,784 (24,809) 3,161 17,805 2,662 -13,520 6,947 10,956 6,973 (31,932) (14,003) 26,438 (45,363)

vkink vkjf{krh dks varj.kvU; vkjf{kfr;ksa dks vraj.k(fofufnZ"V djsa);k sx (x) 20,538 7,080 (21,069) 6,549 21,186 6,784 (24,809) 3,161 17,805 2,662 (13,520) 6,947 10,956 6,973 (31,932) (14,003) 26,438 (45,363)

Øe'k% - - - -

okf"kZd

fjiksV

ZAN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

11

8

lkj.kh - 20

ykHk vkSj gkfu ys[kk % futh {k s=k vkSj thou chekdÙkk Z(djk sM+ #i, esa)

fof'kf"V;k a U;w bafM;k vk sfj,aVy ;wukbZV sM bafM;k us'kuy ;k sx

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

izp kyu ykHk@ gkfu(d) vfXu chek 11,538 15,795 18,212 12,529 20,538 21,186 17,805 10,956 68,093 60,466

([k) leqnzh chek 8,537 5,089 3,054 9,429 7,080 6,784 2,662 6,973 21,333 28,275

(x) izdh.kZ (22,483) (29,732) (5,916) (47,632) (21,069) (24,809) (13,520) (31,932) (62,988) (134,104)

(2,408) (8,848) 15,350 (25,674) 6,549 3,161 6,947 (14,003) 26,438 (45,363)

fuos'kk sa ls vk;(d) C;kt] ykHkka'k vkSj fdjk;k&ldy 27,974 32,669 6,458 9,465 12,265 12,742 9,158 11,448 55,855 66,324

([k) fuos'kksa ds foØ; 6,241 2,298 1,410 654 4,173 2,118 2,369 549 14,193 5,619

ls gkfu (100) (89) (9) (16) (109) (105)

vU; vk; (fofufnZ"V djsa) 2,190 916 368 525 26 374 897 669 3,481 2,484

;ksx (d) 33,997 27,035 23,586 (15,030) 22,913 18,306 19,362 (1,353) 99,858 28,959

izko/ku (djk/ku ls fHkUu)(d) fuos'kksa ds ewY; esa deh 1,618 2,114 742 1,186 (46) 433 2,791 3,171 5,105 6,904

([k) lansgkLin ½.kksa ds fy, 2,363 1,596 2,954 2,739 568 877 559 599 6,444 5,811

(x) vU; (fofufnZ"V djsa) 637 579 2,298 4,529 2,935 5,108

vU; O;;(d) chek dkjckj ls lacaf/r O;;ksa ls 24 28 65 534 89 562

fHkUu O;;([k) Mwcar ½.k gkfuxr 2,005 3,738 2,005 3,738

(x) vU; (fofufnZ"V djsa) (1,904) 1,926 3 2 951 1,299 (950) 3,227

;ksx ([k) 2,714 6,215 5,997 8,456 1,497 2,637 5,420 8,042 15,628 25,350

dj ls iwoZ ykHk 31,283 20,820 17,589 (23,486) 21,416 15,669 13,942 (9,395) 84,230 3,609

djk/ku ds fy, izko/ku 5,702 6,620 11,190 (1,958) 4,317 330 451 (350) 21,660 4,642

dj ds i'pkr~ ykHk 25,581 14,200 6,399 (25,444) 17,099 15,339 13,491 (9,045) 62,570 (4,949)

fofu;ksx(d) o"kZ ds nkSjku lanÙk varfje ykHkka'k([k) izzLrkfor vafre ykHkka'k 4,000 2,000 2,000 2,500 3,000 2,500 11,000 5,000

(x) ykHkka'k forj.k dj 512 256 320 320 1,408

(?k) fdlh vkjf{krh ;k vU; [kkrs dks (811) (811)

(d) varj.k

(fofufnZ"V djsa) 21,069 12,200 14,279 12,339 10,671 (9,045) 46,019 15,494

iwoZ o"kZ ls vkxs yk;k x;k ykHk@ gkfu vfr'ks"k

rqyu&i=k dks vxzuhr vfr'k s"k 4,143 (24,633) 4,143 (24,633)

okf"kZd

fjiksV

ZAN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

12

0

lkj.kh - 21

rqyu&i=k % ifCyd lsDVj xSj&thou chekdÙkk Zfof'kf"V;k a U;w bafM;k vksfj a,Vy ;wukbV sM bafM;k us'kuy ;k sx

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

fuf/;ksa ds Ïksr

'ks;j iawth 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 40,000 40,000

vkjf{kfr;ka vkSj vf/'ks"k 330,406 308,945 73,391 57,279 134,603 120,325 97,217 86,392 635,617 572,941

mfpr ewY; ifjorZu [kkrk 230,176 273,046 141,015 175,599 95,715 120,236 143,602 178,438 610,508 747,319

m/kj

;k sx 570,582 591,991 224,406 242,878 240,318 250,561 250,819 274,830 1,286,125 1,360,260

fuf/;ksa dk mi;kstufuos'k 884,837 869,256 465,438 470,843 550,332 519,720 434,372 444,680 2,334,979 2,304,499

½.k 96,733 101,344 51,490 53,537 74,357 75,568 49,957 52,924 272,537 283,373

fu;r vkfLr;ka 10,926 10,727 5,934 5,686 7,592 7,650 7,198 6,819 31,650 30,882

pkyw vkfLr;kaudn vkSj cSad vfr'ks"k 158,746 115,286 64,749 54,272 53,464 49,583 98,168 68,248 375,127 287,389

vfxze vkSj vU; vkfLr;ka 142,703 127,002 57,962 59,677 84,049 100,199 63,611 71,504 348,325 358,382

dqy ;ksx (d) 301,449 242,288 122,711 113,949 137,513 149,782 161,779 139,752 723,452 645,771

pkyw nkf;Ro 505,809 448,304 302,077 293,089 399,968 370,999 272,971 262,029 1,480,825 1,374,421

izko/ku 222,084 183,320 121,476 108,048 132,056 131,160 129,978 107,316 605,594 529,844

dqy ;ksx ([k) 727,893 631,624 423,553 401,137 532,024 502,159 402,949 369,345 2,086,419 1,904,265

'k q¼ pkyw vkfLr;ka (x) ¾ (d&[k) (426,444) (389,336) (300,842) (287,188) (394,511) (352,377) (241,170) (229,593) (1,362,967) (1,258,494)

izdh.kZ O;; (gkfuxr ;k lek;ksftrugha fd, x, dh lhek rd) 2,380 2,386 2,548 7,314

vkLFkfxr dj vkfLr;ka 2,150 462 2,612

ykHk vkSj gkfu ys[kk (fodyu vfr'ks"k)

;ksx 570,582 591,991 224,406 242,878 240,318 250,561 250,819 274,830 1,286,125 1,360,260

(yk[k #i, esa)

lkj.kh - 22

jktLo ys[kk % futh {k s=k xSj&thou chekdÙkk Zjk W;y lqanje ctkt ,yk,at

fof'kf"V;k a 2002-03 2001-02 2002-03 2001-02

vfXu leqnzh i zdh.k Z ;k sx vfXu leqnzh i zdh.k Z ;k sx vfXu leqnzh i zdh.k Z ;k sx vfXu leqnzh i zdh.k Z ;k sx

vftZr izhfe;e ('kq¼) 864 436 6349 7649 67 18 1223 1308 974 216 14220 15410 68 15 899 982

fuos'kksa ds foØ;@ekspu ij 27 14 226 267 1 1 12 14 31 4 118 153 10 1 41 52

ykHk@gkfuvU; (fofufnZ"V djsa) 19 2 73 94 15 15

C;kt] ykHkka'k vkSj fdjk;k & ldy 47 25 392 464 13 5 112 130 202 25 761 988 23 1 93 117

;ksx (d) 938 475 6967 8380 81 23 1347 1451 1226 247 15172 16645 101 17 1048 1165

mixr nkos ('kq¼) 287 403 5169 5859 63 49 1051 1163 276 146 10245 10667 103 17 1153 1273

nykyh (925) (94) (328) (1347) (366) (11) (239) (615) (1313) (85) (151) (1549) (663) (22) (595) (1280)

chek dkjckj ls lacaf/r izpkyu 968 317 4250 5535 876 136 3189 4200 1066 112 5489 6667 424 19 3270 3713

O;;fons'kh dj 54 54

;ksx ([k) 330 626 9091 10047 573 174 4001 4749 29 173 15637 15839 (136) 14 3828 3706

vfXu@[email protected] dkjckj 608 (151) (2124) (1667) (493) (151) (2654) (3298) 1197 74 (465) 806 237 2 (2780) (2540)

ls izpkyu ykHk@gkfux = (d & [k)fofu;k sx'ks;j/kjdksa ds [kkrs dks varj.k 608 (151) (2124) (1667) (493) (151) (2654) (3298) 1197 74 (465) 806 237 2 (2780) (2540)

vkink vkjf{krh dks varj.kvU; vkjf{kfr;ksa dks varj.k(fofufnZ"V djsa)

;k sx (x) 608 (151) (2124) (1667) (493) (151) (2654) (3298) 1197 74 (465) 806 237 2 (2780) (2540)

Øe'k ----

(yk[k #ñ esa)

V kV k&, vkbZ th fjyk;al

fof'kf"V;k a 2002-03 2001-02 2002-03 2001-02


vftZr izhfe;e ('kq¼) 346 798 7144 8288 (46) 184 1129 1267 268 92 572 932 39 14 69 121

fuos'kksa ds foØ;@ekspu ij 1 3 16 20 91 15 200 306

ykHk@gkfuvU; (fofufnZ"V djsa) (6) (20) (115) (141) 19 19

C;kt] ykHkka'k vkSj fdjk;k & ldy 30 89 524 643 163 26 356 545 56 2 37 95

;ksx (d) 371 870 7569 8810 (46) 184 1129 1267 522 133 1147 1802 95 16 106 217

mixr nkos ('kq¼) 122 1101 4783 6006 23 122 875 1020 544 140 1233 1917 29 44 87 161

nykyh (1034) (165) 276 (923) (430) (78) (141) (649) (1880) (59) (922) (2861) (697) (13) (104) (814)

chek dkjckj ls lacaf/r izpkyu 265 575 4805 5645 237 526 3817 4579 927 182 1559 2668 859 33 560 1451

O;;fons'kh dj

;ksx ([k) (647) 1511 9864 10728 (170) 569 4551 4950 (409) 263 1870 1724 191 64 543 798

vfXu@[email protected] dkjckj 1018 (641) (2295) (1918) 124 (386) (3422) (3683) 931 (130) (723) 78 (96) (48) (437) (581)

ls izpkyu ykHk@gkfux = (d & [k)

fofu;k sx'ks;j/kjdksa ds [kkrs dks varj.k 1018 (641) (2295) (1918) 124 (386) (3422) (3683) 931 (130) (723) 78 (96) (48) (437) (581)


;k sx (x) 1018 (641) (2295) (1918) 124 (386) (3422) (3683) 931 (130) (723) 78 (96) (48) (437) (581)

(yk[k #ñ esa)

Øe'k ----

Øe'k%

Øe'k ----

Øe'

k ----

b ZiQdks & V k sfd;ks vkbZ lh vkbZ lh vkbZ & ykseckMZ

fof'kf"V;k a 2002-03 2001-02 2002-03 2001-02

vfXu leqnzh i zdh.k Z ;k sx vfXu leqnzh i zdh.k Z ;k sx vfXu leqnzh i zdh.k Z ;k sx vfXu leqnzh i zdh.k Z ;k sx

vftZr izhfe;e ('kq¼) 967 366 2617 3950 94 2 279 374 744 169 1810 2723 21 15 121 141

fuos'kksa ds foØ;@ekspu ij 23 4 50 77 1

ykHk@gkfuvU; (fofufnZ"V djsa) 1 14 15

C;kt] ykHkka'k vkSj fdjk;k & ldy 52 56 189 297 18 3 38 58 75 14 162 251 3 1 38 42

;ksx (d) 1019 422 2806 4247 112 5 317 433 842 188 2036 3066 24 16 160 184

mixr nkos ('kq¼) 293 450 2106 2849 36 37 355 428 151 197 1435 1783 12 10 166 179

nykyh (2599) (141) (707) (3447) (1027) (51) (459) (1537) (1426) (37) (258) (1721) (316) (88) (404)

chek dkjckj ls lacaf/r izpkyu 2363 419 2086 4868 1210 112 1043 2365 2588 172 1434 4194 333 867 1200

O;;fons'kh dj 30 (515) (485) 515 515

;ksx ([k) 57 728 3485 4270 220 97 939 1256 1313 362 2096 3771 29 1461 1490

vfXu@[email protected] dkjckj 962 (306) (679) (23) (108) (92) (622) (823) (471) (174) (60) (705) (6) (1301) (1307)

ls izpkyu ykHk@gkfux = (d & [k)fofu;k sx'ks;j/kjdksa ds [kkrs dks varj.k 962 (306) (679) (23) (108) (92) (622) (823) (471) (174) (60) (705) (6) (1301) (1307)


;k sx (x) 962 (306) (679) (23) (108) (92) (622) (823) (471) (174) (60) (705) (6) (1301) (1307)

(yk[k #i, esa)

okf"kZd

fjiksV

ZAN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

12

8

pksykeaMye ,p Mh ,iQ lh & pc ;ksx

fof'kf"V;k a 2002-03 2002-03

vfXu leqn zh i zdh.k Z ;k sx vfXu leqn zh i zdh.k Z ;k sx 2002-03 2001-02

vftZr izhfe;e ('kq¼) 12 4 94 110 42 42 39104 4193

fuos'kksa ds foØ;@ekspu ij 3 1 31 35 1 1 859 66

ykHk@gkfu

vU; (fofufnZ"V djsa) (2) (2) (15) 15

C;kt] ykHkka'k vkSj fdjk;k & ldy 1 6 7 12 12 3207 442

;ksx (d) 16 5 131 152 53 53 43155 4716

mixr nkos ('kq¼) 62 62 88 88 29231 4224

nykyh (133) (1) (42) (176) (48) (48) (12072) (5300)

chek dkjckj ls lacaf/r 454 13 828 1295 915 915 31787 17509

izpkyu O;;

fons'kh dj (431) 515

;ksx ([k) 321 12 848 1181 955 955 48515 16948

vfXu@[email protected] dkjckj (305) (7) (717) (1029) (902) (902) (5360) (12232)

ls izpkyu ykHk@gkfux = (d & [k)

fofu;k sx

'ks;j/kjdksa ds [kkrs dks varj.k (305) (7) (717) (1029) (902) (902) (5360) (12232)

vkink vkjf{krh dks varj.k

vU; vkjf{kfr;ksa dks varj.k

(fofufnZ"V djsa)

;k sx (x) (305) (7) (717) (1029) (902) (902) (5360) (12232)

(yk[k #i, esa)

Øe'k% ----

okf"kZd

fjiksV

ZAN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

13

0

lkj.kh - 23

ykHk vkSj gkfu ys[kk % futh {k s=k vkSj thou chekdÙkk Zfof'kf"V;k a jk W;y lqUnje ctkt ,yk,at V kV k&,vkbZth fjyk;al bZiQdks&V k sfd;ks vkbZlhvkbZlhvkbZ p k syk& ,pMh,iQ ldy ;ksx

ykeckMZ eaMye~ lh pc

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2002-03 2002-03 2001-02

izp kyu ykHk@ gkfu(d) vfXu chek 609 (493) 1197 237 1018 124 932 (96) 962 (108) (471) (6) (305) 3942 (340)

([k) leqnzh chek (151) (151) 74 2 (641) (386) (130) (48) (307) (92) (174) (0) (7) (1336) (675)

(x) izdh.kZ (2124) (2654) (465) (2780) (2295) (3422) (723) (437) (679) (622) (60) (1301) (717) (902) (7965) (11216)

(1666) (3298) 806 (2541) (1918) (3683) 79 (581) (24) (823) (705) (1307) (1029) (902) (5359) (12232)

fuos'kk sa ls vk;(d) C;kt] ykHkka'k vkSj fdjk;k&ldy 748 785 807 871 870 1219 958 1348 981 1012 888 520 163 342 5757 5755

([k) fuos'kksa ds foØ; ls gkfu 429 82 126 395 27 540 336 273 6 886 23 2304 820

?kVk,a % (fofufnZ"V djsa) 1 6 2 330 58 61 336

vU; vk; (fofufnZ"V djsa) 3 2 1 61 7 18 2 5 86 13

;ksx (d) (489) (2428) 1740 (1280) (960) (2457) 1593 775 957 189 461 (780) 20 (595) 2727 (5981)

izko/ku (djk/ku ls fHkUu)(d) fuos'kksa ds ewY; esa deh

ds fy, 21 21

([k) lansgkLin ½.kksa ds fy,(x) vU; (fofufnZ"V djsa)vU; O;;(d) chek dkjckj ls lacaf/r O;;ksa ls

fHkUu O;; 10 10 9 2 331 20 17 27 316 50 447 345

([k) bcar ½.k gkfuxr(x) vU;&izkjafHkd vkSj

iwoZ izpkyu ifj'kks/u 15 18 45 301 37 37 16 16 280 37 388 413

;ksx ([k) 10 25 27 47 331 301 58 37 20 17 43 332 330 37 856 759

dj ls iwoZ ykHk (499) (2453) 1713 (1327) (1291) (2758) 1535 738 937 173 418 (1113) (310) (632) 1871 (6740)

djk/ku ds fy, izko/ku 750 (365) 101 61 301 6 89 (264) 1241 (562)

dj ds i'pkr~ ykHk (499) (2453) 963 (962) (1291) (2758) 1434 678 636 167 329 (849) (310) (632) 630 (6177)

fofu;k sx(d) o"kZ ds nkSjku lanÙk varfje

ykHkka'k([k) izzLrkfor vafre ykHkka'k 200 200

(x) ykHkka'k forj.k dj 26 26

(?k) fdlh vkjf{krh dks varj.k ;k iwoZ o"kZ dk vkLFkfxr dj 12 13 28 (47) 40 (34)

(Ä) vkink vkjf{krhfiNys o"kZ ls vkxs yk;k x;k ykHk@gkfu vfr'ks"k (3540) (1088) (962) (3100) (342) 735 45 307 141 (928) (127) (7488) (1371)

rqyu&i=k dks vxzuhr vfr'k s"k (4039) (3540) 1 (962) (4391) (3100) 2157 735 689 307 (599) (929) (310) (632) (7124) (7488)

(yk[k #i, esa)

okf"kZd

fjiksV

ZAN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

13

2

lkj.kh - 24

rqyu&i=k % futh {ks=k xSj&thou chekdÙkk Z(yk[k #i, esa)

fo f'k f "V ; k a jk W;y lqUnje ctkt ,yk,at V kV k&,vkbZth fjyk;al bZiQdks & V k sfd;ks vkbZlhvkbZlhvkbZ p k syk& ,pMh,iQlh- dqy ;ksxyk seckMZ eaMye pc

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2002-03 2002-03 2001-02

fufèk;k sa ds Ïksr

vkjf{kfr;ka vkSj vf/'ks"k 12,980 12,969 10,946 10,928 12,350 12,350 10,200 10,200 10,000 10,000 10,960 10,944 10,500 10,022 87,958 67,392

mfpr ewY; ifjorZu [kkrk - - 1 - - - 2,158 735 701 319 - - - - 2,860 1,054

ikfylh nkf;Ro - - - 33 - - - - - - - 4 - - 1 (28) -

m/kj - - - - - - - 25 25 -

;ksx 94 85 - - - - - - 33 - - - - - 127 85

;ksx 13,074 13,054 10,914 10,928 12,350 12,350 12,358 10,935 10,734 10,319 10,964 10,944 10,500 10,048 90,942 68,531

fuf/;ksa dk mi;kstu -

fuos'k 14,495 10,900 22,357 16,682 16,496 10,327 18,149 14,966 11,104 7,549 21,001 11,290 10,888 9,372 123,862 71,713

½.k - - 11 13 - - 250 - - 261 13

fu;r vkfLr;ka* 1,088 886 1,705 1,186 1,844 2,196 163 162 1,335 1,142 449 233 588 512 7,684 5,806

pkyw vkfLr;ka - -

udn vkSj cS ad vfr'k s"k 3,420 2,027 3,217 2,334 2,450 1,574 980 338 6,251 6,846 3,268 1,258 333 152 20,071 14,377

vfxze vkSj vU; vkfLr;k a 1,468 891 1,619 1,854 2,197 1,369 2,206 1,286 2,819 882 5,907 2,819 331 318 16,865 9,101

dqy ;ksx (d) 4,888 2,919 4,836 4,188 4,647 2,943 3,186 1,623 9,070 7,728 9,175 4,077 664 470 36,936 23,478

fo|eku nkf;Ro 5,834 2,814 8,378 5,089 8,713 4,422 8,090 5,803 6,533 5,138 17,804 4,113 1,598 559 57,509 27,379

izko/ku 5,603 2,376 10,189 8,178 6,724 2,345 1,125 123 4,242 963 2,705 1,470 352 671 31,611 15,455

dqy ;ksx ([k) 11,437 5,191 18,567 13,267 15,437 6,767 9,215 5,926 10,775 6,101 20,509 5,584 1,950 1,230 89,120 42,834

'k q¼ pkyw vkfLr;ka (x) ¾ (d&[k) (6549) (2272) (13731) (9079) (10790) (3824) (6029) (4303) (1705) 1,628 (11334) (1507) (1286) (760) (52184) (19356)

vkLFkfxr dj vkfLr;ka 583 1,178 (3) - 583 1,175

i zdh.k Z O;; (ml lhek rd tk s

gkfuxr ugha gS a) - - - - 398 538 75 112 - - - - - 292 765 650

ykHk vk Sj gkfu ys[kk es a fodyu vfr'k s"k 4040 3540 - 961 4391 3100 - - - - 599 929 310 632 9971 8530

;ksx 13,074 13,054 10,914 10,928 12,350 12,350 12,358 10,935 10,734 10,319 10,964 10,944 10,500 10,048 90,942 68,530

*vfxzeksa vkSj vU; vkfLr;ksa ds varxZr vkLFkfxr dj vkfLr Hkh gS

okf"kZd

fjiksV

ZAN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

13

4

lkj.kh - 25

jktLo ys[kk % lk/kj.k chek fuxe (thvkbZlh)(yk[k #i, esa)

fof'kf"V;k a 2002-03 2001-02

vfXu leqn zh i zdh.k Z ;k sx vfXu leqn zh i zdh.k Z ;k sx

vftZr izhfe;e ('kq¼) 84436 20759 213438 318633 50708 22675 170463 243846

fuos'kksa ds foØ;@ekspu ls 1999 1052 9503 12554 1332 1143 9038 11513

ykHk@gkfu

vU; (fofufnZ"V djsa) 111 276 334 721 161 25 (117) 69

C;kt] ykHkka'k vkSj fdjk;k&ldy 7215 3798 34303 45316 5256 4510 35654 45420

;ksx (d) 93761 25885 257578 377224 57457 28353 215038 300848

mixr nkos ('kq¼) 38825 15198 220417 274440 35624 13101 180783 229508

nykyh 33769 6253 50878 90900 21205 4305 38123 63633

chek dkjckj ls lacaf/r 920 227 1765 2912 758 165 1528 2451

izpkyu O;;chek ls lacaf/r O;; 11 6 51 68 7 6 50 63fons'kh dj

;ksx ([k) 73525 21684 273111 368320 57594 17577 220483 295654

vfXu@ leqn zh@ i zdh.k Z@ 20236 4201 (15533) 8904 (137) 10776 (5445) 5194

dkjckj ls izp kyu ykHk@ (gkfu)x ¾ (d&[k)

fofu;k sx'ks;j/kjdksa ds ys[kk dks varj.k 20236 4201 (15533) 8904 (137) 10776 (5445) 5194

vkink vkjf{krh dks varj.k vU; vkjf{kfr;ksa dks vraj.k(fofufnZ"V djsa)

;k sx (x) 20236 4201 (15533) 8904 (137) 10776 (5445) 5194


3rd

jh

136

lkj.kh - 26

ykHk vkSj gkfu ys[kk % lk/kj.k chek fuxe (thvkbZlh)(yk[k #i, esa)

fof'kf"V;k a 2002-03 2001-02

izp kyu ykHk@ (gkfu)(d) vfXu chek 20236 (137)

([k) leqnzh chek 4201 10776

(x) izdh.kZ chek (15533) (5446)

8904 5193

fuos'kk sa ls vk;

(d) C;kt] ykHkka'k vkSj fdjk;k&ldy 29066 31310

([k) fuos'kksa ds foØ; ls ykHk 8052 7937

?kVk,a % fuos'kksa ds foØ; ls gkfu (1)

vU; vk; (fofufnZ"V djsa) 3585 1544

;ksx (d) 49607 45983

izko/ku (djk/ku ls fHkUu)

(d) fuos'kksa ds ewY; esa deh 3861 3308

([k) lansgkLin ½.kksa ds fy, 6300 6940

(x) vU; (fofufnZ"V djsa) 5092 43

vU; O;;

(d) chek dkjckj ls lacaf/r O;;ksa ls fHkUu 43

([k) Mwcar ½.k gkfuxr 22 22


;k sx ([k) 15318 10313

dj ls iwoZ ykHk 34289 35670

djk/ku ds fy, izko/ku 6123 4453

dj ds i'pkr~ ykHk 28166 31217

iwoZ o"k Z ls vkxs yk;k x;k ykHk@ gkfu vfr'k s"k 3 1

rqyu&i=k dks vxzuhr vfr'k s"k 28169 31218

fofu;k sx

(d) o"kZ ds nkSjku lanÙk varfjr ykHkka'k

([k) izLrkfor vafre ykHkka'k 4730 4300

(x) ykHkka'k forj.k dj 606

(?k) fdlh vkjf{krh ;k vU; [kkrs dks varj.k (fofufnZ"V djsa) 22830 26915

rqyu&i=k dks vxzuhr vfr'k s"k 3 3

28169 31218


3rd

jh

138

lkj.kh - 27

rqyu&i=k % lk/kj.k chek fuxe (thvkbZlh)

(yk[k #i, esa)

fof'k f"V;k a 2002-03 2001-02

vkjf{kfr;ksa vkSj vf/'ks"k'k s;j iw ath 21500 21500

vkjf{kfr;k a vkSj vf/'k s"k 295293 271622

mfpr ewY; ifjorZu [kkrk 114967 153903

ikfylh nkf;Ro* 601

;k sx 432361 447025

fu f/; k s a d k mi;k stufuos'k 782716 713282

½.k 79582 81589

fu;r vkfLr;ka 4098 4111

p ky w vk fLr; k audn vkSj cS ad vfr'k s"k 151681 111080

vfxze vkSj vU; vkfLr;ka 151434 127822

d qy ;k sx (d) 303115 238902

fo|eku n k f; Ro 477497 394677

izko/ku 259653 196182

d qy ;k sx ([k) 737150 590859

'k q¼ p ky w vk fLr; k a (x) ¾ (d&[k) (434,035) (351,957)

izdh.k Z O;; (ml lhek rd tks gkfuxr ugha gS a ;k lek;k sftr ugha fd, x, gS a)ykHk vkSj gkfu ys[kk es a fodyu vfr'k s"k

; k sx 432361 447025


3rd

jh

140

lkj.kh - 28

Hkkjr esa ldy izR;{k izhfe;e vk;

(djksM+ #i, esa)

Ø- vfXu izdh.kZ leqnzh ;ksx

la- daiuh 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

1. 507.85 491.83 2136.67 1666.47 219.06 207.16 2863.58 2365.46

2. 867.46 859.89 2709.38 2313.14 344.40 339.30 3921.24 3512.33

3. 542.55 531.03 2083.31 1753.00 242.47 214.60 2868.33 2498.63

4. 604.18 635.89 2024.74 1763.86 339.14 255.21 2968.06 2654.96

5. 374.78 338.52 374.78 338.52

2522.04 2518.64 9328.88 7834.99 1145.07 1016.27 12995.99 11369.90

6. 39.16 17.90 132.26 50.44 13.02 2.78 184.44 71.12

7. 55.42 45.84 121.34 29.87 8.91 1.74 185.67 77.45

8. 103.52 36.15 91.39 3.34 18.41 31.02 213.32 70.51

9. 49.91 19.36 156.69 49.91 27.33 9.18 233.93 78.45

10. 123.75 10.98 70.82 16.13 8.91 203.48 27.11

11. 60.64 27.88 228.43 112.71 7.41 1.36 296.48 141.95

12. 5.32 9.31 0.16 14.79

13. 9.49 9.49

437.72 158.11 819.73 262.40 84.15 46.08 1341.60 466.59

2959.76 2676.75 10148.61 8097.39 1229.22 1062.35 14337.59 11836.49

us'kuy

U;w bafM;k

vksfj,aVy

;wukbZVsM bafM;k

bZlhthlh

ldy ;ksx

jkW;y lqUnje

fjyk,al

bZiQdks&Vksfd;ks

VkVk&,vkbZth

vkbZlhvkbZlh ykWeckMZ

ctkt ,yk,at

pksykeaMye

,pMh,iQlh&pc

ldy ;ksx

dqy ;ksx

0

2000

4000

6000

8000

10000

12000

14000

16000

1998-99 1999-00 2000-01 2001-02 2002-03

djksM+

#i,

esa

bZ lh th lh

,p Mh ,iQ lh & pCc

pksykeaMye

vkbZlhvkbZlhvkbZ&yksEckMZ

ctkt ,yk;al

VkVk & , vkbZ th

biQdks & Vksfd;ks

fjyk;al

jkW;y lqanje

;wukbfVM

vksfj,aVy

U;w bafM;k

us'kuy

ldy izR;{k izhfe;e vk;


3rd

jh

142

lkj.kh - 29

'kq¼ izhfe;e vk; (vftZr)

(djksM+ #i, esa)

Ø- vfXu izdh.kZ leqnzh ;ksx

[k- daiuh 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

1. 360.10 366.55 1473.05 1301.13 132.81 149.11 1965.96 1816.79

2. 790.27 679.24 2296.79 1991.51 210.09 188.12 3297.15 2858.87

3. 360.30 392.82 1366.56 1248.69 128.92 179.20 1855.78 1820.71

4. 452.80 446.30 1476.08 1383.72 180.49 142.77 2109.37 1972.79

5. 366.61 330.45 366.61 330.45

1963.47 1884.91 6979.09 6255.50 652.31 659.20 9594.87 8799.61

6. 8.64 0.67 63.49 12.23 4.36 0.18 76.49 13.08

7. 2.68 0.39 5.71 0.69 0.92 0.14 9.31 1.21

8. 9.67 0.94 26.16 2.79 3.66 0.02 39.49 3.74

9. 3.46 (0.46) 71.44 11.29 7.99 1.84 82.89 12.67

10. 7.44 0.21 18.10 1.21 1.68 0.15 27.22 1.56

11. 9.74 0.68 142.20 8.99 2.16 0.15 154.10 9.82

12. 0.12 0.04 0.94 1.10

13. 0.41 0.41

41.75 2.41 327.55 37.20 21.71 2.47 391.01 42.08

2005.22 1887.32 7306.64 6292.70 674.02 661.67 9985.88 8841.69

us'kuy

U;w bafM;k

vksfj,aVy

;wukbZVsM bafM;k

bZlhthlh

ldy ;ksx

jkW;y lqUnje

fjyk,al

bZiQdks&Vksfd;ks

VkVk&,vkbZth

vkbZlhvkbZlh ykseckMZ

ctkt ,yk,at

pksykeaMye

,pMh,iQlh&pc

ldy ;ksx

dqy ;ksx

'kq¼ izhfe;e

0

2000

4000

6000

8000

10000

12000

1998-99 1999-00 2000-01 2001-02 2002-03

djksM+

#i,

esa

bZ lh th lh

,p Mh ,iQ lh & pCc

pksykeaMye

vkbZlhvkbZlhvkbZ&yksEckMZ

ctkt ,yk;al

VkVk & , vkbZ th

biQdks & Vksfd;ks

fjyk;al

jkW;y lqanje

;wukbfVM

vksfj,aVy

U;w bafM;k

us'kuy

okf��"kZd

fjiksVZ

ANNU

AL REPO

RT

20

02

-20

03

3rd jh

14

4

lkj.kh - 30(i)

futh {ks=k dh daifu;ksa ds fuEukadu vuqHko vkSj ykHk

(djksM+ #i, esa)

us'kuy U;w bafM;k vksfj,aVy ;wukbZV sM bafM;k ;ksx

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02

Net Premium 2130.88 1813.12 3516.42 3068.23 1898.42 1818.50 2092.41 2045.07 9638.13 8744.92

Net Incurred Claims 1619.66 1724.93 2699.50 2555.18 1466.54 1827.92 1905.44 1780.47 7691.14 7889.00

76.01% 95.14% 76.77% 83.30% 77.25% 100.50% 91.06% 87.06% 79.80% 90.21%

Commission, Expenses of 647.53 554.58 1084.00 857.62 640.00 585.96 603.08 645.42 2974.61 2591.67

Management and Other Charges 30.39% 30.59% 30.83% 29.20% 33.71% 32.20% 28.82% 31.56% 30.86% 29.64%

Increase in Reserve for 164.92 (3.87) 219.00 209.35 42.65 (2.22) (16.95) 72.26 409.62 275.55

Unexpired Risk 7.74% (0.21%) 6.23% 6.80% 2.25% (0.10%) (0.81%) 3.53% 4.25% 3.15%

Underwriting Proft/(Loss) (301.23) (462.52) (486.08) (553.92) (250.77) (593.16) (399.16) (453.08) (1437.24) (2011.30)

(14.14%) (25.51%) (13.82%) (19.30%) (13.21%) (32.62%) (66.19%) (70.20%) (14.91%) (23.00%)

Gross Investment Income 485.88 439.78 881.00 857.16 482.00 437.62 671.00 624.31 2519.88 2188.48

Other Income Less

Other Outgo (45.22) (71.21) (82.00) (96.06) (56.00) (79.56) (57.66) (14.54) (240.88) (311.73)

Profit Before Tax 139.43 (93.95) 312.92 207.18 175.23 (235.10) 214.18 156.69 841.76 (134.55)

Income Tax Deducted at

Source and Provision

for Tax 4.51 (3.50) 57.02 66.20 111.90 0.63 43.17 3.30 216.60 70.15

Net Profit 134.92 (90.45) 255.90 140.98 63.33 (235.73) 171.01 153.39 625.16 (204.70)

'kq¼ izhfe;e'kq¼ mixr nkos

nykyh] izca/ vkSj vU;izHkkj

vlekIr tksf[ke dsfy, vkfj{krh eas of¼

ykHk@gkfu fuEukadu djuk

ldy fuos'k vk;vU; vk;]O;; ?kVkdjdj lank; lsiwoZ ykHkvkSj dj ds fy,izko/ku'kq¼ ykHk

okf��"kZd

fjiksVZ

ANNU

AL REPO

RT

20

02

-20

03

3rd jh

14

6

lkj.kh - 30(ii)

futh {ks=k dh daifu;ksa ds fuEukadu vuqHko vkSj ykHk

(djksM+ #i, esa)

jkW;y lqUnje fjyk;al biQdks&Vksfd;ks VkVk&,vkbZth ctkt ,yk,at vkbZlhvkbZlhvkbZ pksykeaMye ,pMh,iQlh& ;ksxykWecMZ pc

2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2001-02 2002-03 2002-03 2002-03 2001-02

'kq¼ izhfe;e 109.17 36.75 19.27 2.35 70.03 13.13 126.68 36.07 180.76 84.06 44.52 10.97 4.50 6.52 561.45 183.33

'kq¼ mixr nkos 58.60 11.63 19.17 1.60 28.50 4.28 60.06 10.20 106.67 12.74 17.76 1.79 0.62 0.87 292.25 42.24

53.68% 31.65% 99.48% 83.30% 40.70% 100.50% 47.41% 28.28% 59.01% 15.16% 39.89% 83.30% 13.78% 13.34% 52.05% 23.04%

nykyh] izca/vkSj vU;izHkkj 41.88 35.86 (1.93) 6.37 14.20 8.28 47.23 39.30 51.18 24.33 24.73 13.11 11.20 9.16 197.65 127.25

38.36% 97.58% (10.02%) 29.20% 20.28% 32.20% 37.28% 108.95% 28.31% 28.94% 55.55% 29.20% 248.89% 140.49% 35.20% 69.41%

vlekIr tksf[ke dsfy, vkfj{krh eas of¼ 32.26 23.67 9.95 1.15 30.53 9.39 43.80 23.40 26.66 74.24 17.19 9.55 3.38 6.10 169.87 141.40

29.55% 64.41% 51.63% 6.80% 43.60% -0.10% 34.58% 64.87% 14.75% 88.32% 38.61% 6.80% 75.11% 93.56% 30.26% 77.13%

ykHk@gkfu fuEukadu djuk (23.57) (34.41) (7.92) (6.77) (3.20) (8.82) (24.41) (36.83) (3.75) (27.25) (15.16) (13.48) (10.70) (9.61) (98.32) (127.56)

(21.59%) (93.63%) (41.10%) (19.30%) (4.57%) (67.17%) (51.68%) (93.72%) (2.07%) (32.42%) (34.05%) (19.30%) (237.78%) (147.39%) (17.51%) (69.58%)

ldy fuos'kvk; 19.08 10.11 23.47 14.49 12.78 10.70 15.60 12.19 20.73 14.29 14.89 5.69 7.59 2.80 116.94 67.47

vU; vk;]O;; ?kVkdj (0.10) (0.22) (0.21) (0.35) (0.21) (0.17) (4.11) (2.94) 0.12 (0.30) 4.57 (3.32) 0.00 0.48 0.54 (7.30)

dj lank; ls (4.59) (24.52) 15.34 7.37 9.37 1.71 (12.92) (27.58) 17.10 (13.26) 4.30 (11.11) (3.11) (6.33) 19.16 (67.39)

iwoZ ykHkvkSj dj ds fy,izko/ku 1.01 0.60 3.01 0.06 7.50 (3.65) 0.89 (2.65) 0.00 0.00 12.41 (5.64)

'kq¼ ykHk (4.59) (24.52) 14.33 6.77 6.36 1.65 (12.92) (27.58) 9.60 (9.61) 3.41 (8.46) (3.11) (6.33) 6.75 (61.75)

okf��"kZd

fjiksVZ

ANNU

AL REPO

RT

20

02

-20

03

3rd jh

14

8

lkj.kh - 31(i)

futh {ks=k dh daifu;ksa ds mixr nkok vuqikr&xSj thou

us'kuy U;w bafM;k vksfj,aVy ;wukbZV sM bZlhthlh ;ksx

vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx'kq¼ izhfe;e 352.06 144.88 1633.4 2130.88 821.7 200.43 2494.29 3516.42 328.39 124.08 1445.95 1898.42 425.32 135.87 1531.22 2092.41 366.61 366.61 1928 605.26 7471.5 10004.7

mixr 'kq¼ nkos 133.26 105.63 1380.77 1619.66 467.37 116.9 2115.23 2699.5 1225.52 84.31 1256.71 1466.54 200.29 99.7 1605.45 1905.44 334.1 334.1 926.44 406.54 6692.3 8025.3

nkok vuqikr 37.8% 72.9% 84.5% 76.0% 56.9% 58.3% 84.8% 76.8% 38.2% 67.9% 86.9% 77.3% 47.1% 73.4% 104.8% 91.1% 91.1% 91.1% 48.1% 67.2% 89.6% 80.2%

lkj.kh - 31(ii)

futh {ks=k dh daifu;ksa ds mixr nkok vuqikr&xSj thou

jkW;y lqUnje fjyk;al biQdks&V ksfd;ks V kV k&,yk,at ctkt&,yk,atvfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx

'kq¼ izhfe;e 13.06 6.61 89.5 109.17 6.75 1.59 10.93 19.27 16.86 8.52 44.65 70.03 6.43 13.18 107.07 126.68 17.86 3.41 159.49 180.67

mixr 'kq¼ nkos 2.87 4.03 51.7 58.6 5.44 1.4 12.33 19.17 2.93 4.51 21.06 28.5 1.22 11.01 47.83 60.06 2.76 1.46 102.45 106.67

nkok vuqikr 22% 61% 58% 54% 81% 88% 113% 99% 17% 53% 47% 41% 19% 84% 45% 47% 15% 43% 64% 59%

vkbZ lh vkbZ lh vkbZ ykWecMZ p ksykeaMye ,p Mh ,iQ lh&pc ;ksxvfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx vfXu leqnzh izdh.kZ ;ksx

'kq¼ izhfe;e 16.33 3.47 24.72 44.52 0.45 0.09 3.94 4.48 0 0 6.52 6.52 77.74 36.87 446.82 561.43

mixr 'kq¼ nkos 1.51 1.9 14.35 17.76 0 0 0.62 0.62 0 0 0.9 0.87 16.73 24.31 251.21 292.25

nkok vuqikr 9% 55% 58% 40% 0% 0% 16% 14% 0% 0% 13% 13% 22% 66% 56% 52%

(djksM+ #i, esa)

(djksM+ #i, esa)

(djksM+ #i, esa)

okf��"kZd

fjiksVZ

ANNU

AL REPO

RT

20

02

-20

03

3rd jh

15

0

us'kuy

U;w bafM;k

vksfj;aVy

;wukbV sM

jkW;y lqUnje

fjyk;al

bÝdks&V ksfd;ks

V kV k & , vkbZ th

ctkt ,yk;at

vkbZ lh vkbZ lh vkbZ ykeckMZ

pksykeaMye

,p Mh ,iQ lh&pc

bZ lh th lh

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

120.00%

mixr nkok vuqikr

1998-991999-002000-012001-022002-03

-600

-500

-400

-300

-200

-100 0

100

djksM+ #i, esa

1998-991999-00

2000-012001-02

2002-03

fuEukafdr y

kHk @ gkfu


3rd

jh

152

0

500

1000

1500

2000

2500

3000

djksM+ #

i, e

sa

1998-99 1999-00 2000-01 2001-02 2002-03

fuos'k vk;

1998-991999-002000-012001-022002-03


3rd

jh

154

lkj.kh - 32(i)

xSj&thou {ks=k - 2001-02 esa vkjaHk fd, x, mRikn

xSj&thou chekdÙkkZ dk uke mRikn dk uke

(czkaM dk uke)

vkbZ lh vkbZ lh vkbZ µ ejhu VªkaflV chek (buySaM) µ ejhu 1yksEckMZ lkèkkj.k chek dañ fyñ iQhfMfyVh xkjaVh chek µ izdh.kZ 03

ifCyd yk,fcYVh chek (vaMj ifCyd yk,fcYVh chek vfèkfu;e)µizdh.kZ 07ifCyd yk,fcYVh chek (baMfLVª;y fjLd~l) µ izdh.kZ 08ifCyd yk,fcYVh chek (ukWu&baMfLVª;y fjLd~l) µ izdh.kZ 09vkWy fjLd~l chek ikfylh] dksM µ izdh.kZ 01pksjh chek µ izdh.kZ 02xqzi esfMDyse chek µ izdh.kZ 04xqzi ilZuy ,DlhMsaV chek µ izdh.kZ 05euh chek µ izdh.kZ 06,xzhdYpj iEi&lsV µ izdh.kZ 07turk ilZuy ,DlhMsaV µ izdh.kZ 08xqzi gSYFk chek ikfylh µ izdh.kZ 11xqzi gSYFk (i~QyksVj) chek ikfylh µ izdh.kZ 12xqzi ilZuy ,DlhMsaV chek µ izdh.kZ 05 (fjohtu)ejhu ,DliksVZ chek chekgkse chek ikfylh µ izdh.kZ 13

fn U;w bafM;k ,';ksjsal dañ fyñ baMhfotqvy ,aM xzqi esfMdyse ikfylhvksojlht esfMdyse ikfylhgsYFk bU';ksjsal ikfylh iQksj ,Dl&MhisaQl ilZuyØsfMV chek&vesaMesaV~l

us'kuy chek dañ fyñ bauMhfotqvy xzqi esfMdyse ikfylhyksax VeZ xzqi esfMDyse ikfylh & ,u vkbZ lh 46039

vksfj,aVy chek dañ fyñ ukxfjd lqj{kk ikfylhvkfiQl vEcjSyk ikfylh

biQdks&V ksfd;ks lkèkkj.k chek dañ fyñ LVSaMMZ iQk;j ,aM Lis'ky isfjy ikfylhdkulhDosuf'k;y ykWl (iQk;j) ikfylhodZesUl dEisuls'ku ikfylhe'khujh czsdMkmu chekdkuVsªDVlZ IykaV ,aM e'khujh chekbZjsD'ku vkWy fjLd chekdkuVsªDVlZ vkWy fjLd chekckW;yj ,aM izS'kj IykaV chekbysDVªkWfud bfDoiesaV chekbaMfLVª;y vkWy fjLd ikfylh


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e'khujh ykWl vkWiQ izksfiQV~l ikfylheksVj&izkbosV dkj dfEizgsfUlo ikfylheksVj&lkbfdy LdwVj ^^ch** ikfylhejhu dkxksZifCyd ykW;fcYVh (ukWu baMfLVª;y fjLd~l) chek ikfylh,xzhdYpj chek ikfylhVsªMlZ iSdst chek ikfylhcjxyjh ,.M gkml cszfdax chekeuh chek ikfylhcsadlZ buMsefuVh ikfylhesMh'khYM ikfylhiQhfMfyVh xkjaVh ikfylhifCyd yk,fcYVh chek&,DV ikfylhizksMDV yk,fcYVh ikfylhbaMhfotqvy ilZuy ,DlhMsaV ikfylhxqzi ilZuy ,DlhMsaV ikfylhifCyd yk,fcYVh (baMfLVª;y ,.M LVksjst fjLd) chek ikfylhvkWy fjLd chek ikfylhizksisQ'kuy buMSefuVh ,jlZ ,.M vksfe'ku ikfylhdef'kZ;y fOgdy chek ikfylhladV ekspd ikfylhyksd LokLF; chek ;kstuki'kq&èku chekd"kd fe=k chek ;kstukladV gj.k (fdlku xzkeh.k chek ;kstuk)ØhfVdy byusl chek ikfylhVªsoy izksVsDVj chek ikfylhVªkaliksVZ ,.M fjysfVM yk,fcYVh dojgkse ,.M iQseyh izksVsD'ku ikfylhukWu&LVSaMMZ doj & chek ikfylh

fjyk,al lkèkkj.k chek dañ fyñ LVSaMMZ iQk;j ,.M Lis'ky isfjy ikfylhdkulhDosuf'k;y ykWl (iQk;j) ikfylhbaMªfLVª;y vkWy fjLd ikfylhbZjsD'ku vkWy fjLd@LVksjst de bZjsD'ku cheke'khujh cszdMkmu chekdaVªsDVlZ vkWy fjLd chekbysDVªksfud bfDoiesaV chekdaVªsDVlZ IykWV ,.M e'khujh chekckW;yj ,.M izs'kj IykaV chekMhfVfj;ksjs'ku vkWiQ LVkWDl bu dksYM LVksjst chek



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odZesUl daisuls'ku chek ikfylhifCyd ykW;fcYVh (,DV) chek ikfylh, ikfylh iQkSjsu ,DV ykW;fcYVh chekeksVj&izkbosV dkj chek ^^ch** ikfylheksVj&lkbZfdy@LdwVj chek ^^ch** ikfylhdef'kZ;y fOgdy~l chek ^^ch** ikfylheksVj VsªM chek ^^ch** ikfylhcjxyjh ,.M gkml cszfdax chekeuh chek ikfylhiQhfMfyVh xkjaVh ikfylhbauMhfotqvy ilZuy ,DlhMsaV ikfylhxqzi ilZuy ,DlhMsaV ikfylhiksVsZcy bysDVªkfud bfDoiesaV ikfylhifCyd ykW;fcYVh (,DV) chek ikfylhcSxst chek ikfylhesfMDyse chek ikfylh (baMhfotqvy ,.M iQSeyh)xqzi esfMDyse chek ikfylhfons'k ;k=kk fe=k (iQkWj vksojlht Vªsoy)IysV fxykl chek ikfylhturk ilZuy ,DlhMsaVdsVy chekvkWfiQl iSdstizksiQs'kuy buMsefuVhgkmQl gksYMj isdst ikfylhToSylZ CykWdnqdkunkjvksojlht VªSoy gsYFk ikfylhjhokbt~M gkmQlgksyMlZ ikfylhjhokbt~M 'kkWidhilZ ikfylh

jkW;y lqUnje chek dañ fyñ LVsaMMZ iQk;j ,.M Lis'ky isfjy ikfylhdkulhDosuf'k;y ykWl (iQk;j) ikfylh 001 ,iQ ch vkbZ] (iQjojh 2001)baMfLVª;y vkWy fjLd ikfylh&001 ,iQvkj 01 (iQjojh 01)bZjsD'ku vky fjLd@LVksjst de bZjsD'ku chek&001 bZ,vkj&01 (iQjojh 2001)e'khujh czsdMkmu chek&001 bZ ,e ch 01 (iQjojh 01)daVªsDVlZ vkWy fjLd chek&001 bZ lh vkj 01 (iQjojh 01)bySDVªkWfud bfDoiesaV chek&001 bZ bZ vkbZ 01 (iQjojh 01)daVªsDVlZ IykaV ,.M e'khujh chek&001 bZvks (lhih,e) 01 (iQjojh 01)ckW;yj ,.M izs'kj IykaV chek&001 bZvks (ckW;yj) 01 (iQjojh 01)odZesUl dEiuls'ku chek ikfylh&001 McY;w lhih (iQjojh 01)eksVj chek&def'kZ;y fOgdyl chek ikfylh



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dkj'khYM izksMDVe'khujh ykWl vkWiQ izksfiQVl chekfoaMfey isdst chek ikfylhxzqi ilZuy ,DlhMsaV ikfylh (,DlhMsaVy MsFk ,.M fMl,CyesaVvksuyh)&003 ,ih,ejhu dkxksZ chek ikfylh&(001 ,elhth 01) (iQjojh 01) ,lokbZlhejhu dkxksZ baVjus'kuy DykWftl ,.M ofMZxal&001 ,elhth ofMZxal 01 (iQjojh 01)ejhu dkxksZ buysaM VªkaflVl&(001 ,elhth buysaM 01 (iQjojh 01)gkse chek ikfylh&001 ,iQ Mh ih:jy ilZuy ,DlhMsaV chek ikfylh&001 vkj ih , (iQjojh 01)cjxyjh (fctusl fizfeflt) chek&001 ,iQ Vh ,iQ Vh 02@2001euh chek ikfylh&(001 ,iQ lh ,l ,p 02@2001)iQhfMfyVh xkjsaVh ikfylh&(001 ,l th vkbZ 02@2001)izksMDV yk,fcYVh chek ikfylh&001 ,y ih Mh ih 01 (02@2001)ifCyd yk,fcYVh chek ikfylh (ukWu bUMªfLVª;y fjLd)&001,y ih ,u ih 01 (02@2001)ifCyd yk,fcYVh chek ikfylh (bUMªfLVª;y fjLd)&001 ,y ih vkbZ ih 01(02@2001)vkWy fjLd chek ikfylh&001 , vkj vkbZturk ilZuy ,DlhMsaV chek ikfylh&001 ts ih , (iQjojh 01)iksyVªh chek ikfylh&001 vkj ih okbZ (iQjojh 01)ykbZoLVkWd chek ikfylh&001 vkj ,y lh (iQjojh 01)ifCyd yk,fcYVh (,DV) chek ikfylh&001 ,y ih , (02@2001)gsYFk izhfe;e IysfVue chek&001 , ,e thgsYFk 'khYM xksYM chek&001 , ,e bZVªsoy 'khYM xksYM chek&001 vks VhgksfLiVy dS'k chek&001 , ,p lhxqzi ilZuy ,DlhMsaV ikfylh 002 , ih ,iQkjelZ iSdst chek ikfylh&001 ,iQ ih ih (, ih vkj 01)yksLV dkMZ chek&001 , lh lhLis'ky daVhutsalh chek&001 ,l lh vkbijpst izksVsD'ku chek&001 , ih ihgsYFk 'khYM IysfVue chek&002gsYFk izhfe;e IysfVue ,DlVsa'ku&002 , ,e thgsYFk lsiQ chek&001 , Vh vkjeSV Iyku&001 eSVfu;ksu lkbu chek&001 , th ih (05@2001)IysV Xykl chek&001 , th ih (05@2001)csxst chek&001 , ,y th (05@2001)izQhD;w,aV Vªsoyj 'khYM chek&001 , Vh vkj (05@2001)



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iksbZVa vkWiQ ijpst chek&001 , ih ihoyZiwy ijpst izksVsD'ku chek&001 , ih ihgsYFk izhfe;e IysfVue ,DlVsa'ku&002 , ,e th,aVjizkbt 'khYM chek&001 ,iQ lh ih (06@2001),Mokal ykWl vkWiQ izksfiQVl (dalVªD'ku) chek&001 bZlh,,yvksih (06@2001)360 fctusl 'khYM chek&001 ,iQ ,l ih (360) (06@2001)Xyksc Vªsoyj chek&001 , Vh vkj (th) (06@2001)jkW;y VªsMjl 'khYM chek&001 ,iQ Vh ih (06@2001)jkW;y gksVy 'khYM chek&001 ,iQ ,p ih (06@2001)jkW;y vkfiQl 'khYM chek&001 ,iQ vks ih (06@2001)Mk,jsDVlZ ,.M vksfiQllZ ykbfcYVh 'khYM chek ,.M daiuh jhbaclZesaVykbfcYVh 'khYM chek ikfylh&001 ,l Mh vks (06@2001)oheUl osyiQs;j dojbu'kksj 123 ikfylhdef'kZ;y dEckbaM chek ikfylh'kfDr flD;ksfjVh 'khYMpkbZYM flD;ksfjVh 'khYM

VkV k&, vkbZ th lkèkkj.k chek dañ fyñ iQSeyh xkMZ& ilZuy ,DlhMsaV,DthD;wfVo xkMZ & ilZuy ,DlhMsaVflD;ksj bude Iyku & yksflD;ksj bude Iyku & gkbZiQSeyh xkMZ & ilZuy ,DlhMsaVØk,fll eSustesaV izksMDVl'kksVhZ cksaMiksfyfVdy fjLdlVsªM ØsfMVlxzqi eYVhxkMZ ilZuy ,DlhMsaV ikfylh,DlhMsaV ,.M gsYFk izksMDV & iQSeyh xkMZ+ ikfylhgkseflfd;ksj (gkmQlgksYMlZ) ikfylh,DlhMsaV ,.M gsYFk&xzqi gkWfLiVy dS'k ikfylhfctusl xkMZ & T;ksfrfctusl xkMZ & lathouhvksojlht Vªsoy ,DlhMsaV&flaxy fVªi ,.M ,uqvy eYVh&fVªi chek&Vh,th&13vksojlht Vªsoy ,DlhMsaV&flaxy fVªi ,.M ,uqvy eYVh&fVªi chekvksojlht Vªsoy ,DlhMsaV&flyoj] xksYM] IysfVue ,.M ,uqvy eYVh&fVªi chek,DlhMsaV ,.M gsYFk izksMDV&bufMfotqvy ilZuy ,DlhMsaV ikfylh&czksMekdsZV izksMDV ^^'kkfUr**,DlhMsaV ,.M gsYFk izksMDV & bufMfotqvy ilZuy ,DlhMsaV ikfylh ,.Mfctusl Vªsoy&,stUlhfctusl xkMZ&vkWfiQl



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lkj.kh - 32(ii)

o"kZ 2002�03 ds nkSjku vkjaHk fd, x, xSj&thou chek(xSj&V SfjiQ@ iSdst) mRikn

xSj&thou chekdÙkkZ dk uke mRikn dk uke (czkaM dk uke)

vkbZ lh vkbZ lh vkbZ ykseckMZ tujy ejpsaV doj 111 bu';ksjsal ikfylh & izdh.kZ 14bu';ksjsal dañ fyñ ilZuy ds;j bu';ksjsal ikfylh & izdh.kZ 15

izksMDV yk,fcYVh bu';ksjsal ikfylh & izdh.kZ 15dkjiksjsV doj 11 & izdh.kZ 16lkbu bulVkys'ku ikfylh & izdh.kZ 17izksiQs'kuy buMSefuVh ikfylh iQksj MkDVj vkSj eSfMdy iszDVh'kulZ&izdh.kZ 21izksiQs'kuy buMSefuVh ikfylh iQksj eSfMdy ,lVScfy'kesaV & izdh.kZ 22izksiQs'kuy buMSefuVh ikfylh iQksj dalfYVax bathfu;j] vkjphVSDVl ,aMbuVhjh;j MSdksjsVjl & izdh.kZ 23izksiQs'kuy buMSefuVh ikfylh iQksj pkjVMZ vdkmQaVsaVl@eSusteSaVdalYVSaVl@yk;jl@,sMoksdsVl@lkSfyflVlZ@dkmalsYl & izdh.kZ 24IysV Xykl bu';ksjsal ikfylh & izdh.kZ 28XykscVªkWVj & vksojlht xqzi Vªsoy bu';ksjsal ikfylh & izdh.kZ 29cxZyjh bu';ksjsal & izdh.kZ 02 (veSaMeSaV Vw ikfylh)cSxst xzqi bu';ksjsal ikfylh & izdh.kZ 27&vksojlht bufMfotwvy VSªoybu';ksjsal ikfylh & izdh.kZ 30boSaV bu';ksjsal ikfylh & izdh.kZ 30dkfEizgSaflo tujy yk,fcYVh bu';ksjsal ikfylh & izdh.kZ 32bufMfotqvy gSYFk bu';ksjsal ikfylh & izdh.kZ 34Mk,jSDVlZ ,.M vkSfiQllZ yk,fcYVh bu';ksjsal ikfylh· izdh.kZ 33ijiQkSjeSal xjsaVh bu';ksjsal ikfylh & izdh.kZ 32oSnj bu';ksjsal ikfylh & izdh.kZ 37bfexzsaV odZlZ bu';ksjsal ikfylh & izdh.kZ 41vksojlht ,aM LVwMsaV ba';ksjsal ikfylhØsfMV bu';ksjsal & Xyksc ,yk;al ikfylhlh ih ,e ikfylh & izdh.kZ 42

n U;w bafM;k ,';ksjsal dañ fyñ MksesfLVd Vªsoy bu';ksjsalØsfMV bu';ksjsal ikfylh (veSaMeSaVl)vksojlht eSfMDyse ikfylh (fjfotu);wfuolZy eSfMDyse ikfylh

us'kuy bu';ksjsal dañ fyñ Øwt bu';ksjsal&vksojlht eSfMDyse ikfylhizksiQs'kuy buMSefuVh ikfylh iQkWj bu';ksjsal czksdjlodZjl oSyiQs;j ikfylh;wfuolZy eSfMDyse ikfylh;'kLouh dks&vksijsfVo gSYFk bu';ksjsal Ldhe


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vksfj,aVy bu';ksjsal dañ fyñ ;wfuolZy eSfMDyse ikfylhLohV gkse iSdst ikfylh

;wukbZfVM bafM;k bu';ksjsal dañ fyñ ;wfuolZy eSfMDyse ikfylhMSaVy bu';ksjsal ikfylhvksojlht eSfMDyse ikfylh (jhokbLM)

bÝdks&V ksfd;ks iQkjelZ iSdst ikfylhtujy bu';ksjsal dañ fyñ

jkW;y lqUnje bu';ksjsal dañ fyñ ,saVjizkbt fctul bu';ksjsal ikfylh,stq ds;j ikfylh,saVjizkbt 'khYM ikfylh (veSafMM)izkSiVhZ vkWy fjLd ikfylh (veSafMM)360 fctul 'khYM bu';ksjsal (veSafMM)

ctkt ,yk,at tujy bu';ksjsal dañ fyñ bafMfotqvy ilZuy ,sfDlMsaV ikfylh (jhokbLM)xq: j{kk bu';ksjsal ikfylh

VkVk , vkbZ th tujy bu';ksjsal dañ fyñ fctul xkMZ & 'kfDrfctul xkMZ & def'kZ;ybufMfotqvy butjh ,aM ilZuy ,SDlhMsaV ikfylh&czkWM ekdsZV izksMDV&^^Nk;k**,sDlhMsaV ,aM gsYFk & vksojlht VªSoy ,SDlhMsaV & VSªoy ds;j,sDlhMsaV ,aM gsYFk & vksojlht VªSoy ,SDlhMsaV & LVwMSaV xkMZbufMfotqvy butjh ,aM ilZuy ,SDlhMsaV ikfylh & ^^iQSeyh ds;j izksVSD'ku Iyku**bufMfotqvy ilZuy ,sDlhMsaV izksMDV&bude xkMZ IykubufMfotqvy ilZuy ,sDlhMsaV izksMDV&bude xkMZ Iyku Iyl,sDlhMsaV ,aM gsYFk & xzqi eYVhxkMZ ilZuy ,sDlhMsaV ikfylh,sDlhMsaV ,aM gsYFk & xzqi ilZuy ,sDlhMsaV ikfylh,sDlhMsaV ,aM gsYFk & oyaVjh xzqi ilZuy ,sDlhMsaV ikfylh,sDlhMsaV ,aM gsYFk & xzqi gkSlfiVy ,aM lftZdy bu';ksjsal ikfylh,sDlhMsaV ,aM gsYFk & xzqi Vsªoy xkMZ ikfylh th Vh th 1102,sDlhMsaV ,aM gsYFk & Vªsoy ds;j ikfylh & izksñ dksM % Vh th 1102,sDlhMsaV ,aM gsYFk & Vªsoy xkWM ikfylh & izksñ dksM % Vh th 1102gkseflD;ksj izhoystiSdst bu';ksjsal ikfylh iQksj E;qpqvy iQaMl*iksy;w'u yhxy yk,chyVh flySDV iksfylh*,sDlhMsaV ,aM gsYFk & xzqi ilZuy butjh Iyku (fjokbLM)*ozQkbe eSustj ikfylh·



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,p Mh ,iQ lh pCc tujy xqzi ilZuy ,sDlhMsaV bu';ksjsalbu';ksjsal dañ fyñ ilZuy ,sDlhMsaV bu';ksjsal

xqzi gkSlfiVy dS'k bu';ksjsalgkSlfiVy dS'k bu';ksjsalxqzi VSªoy bu';ksjsalVSªoy bu';ksjsalgkse bu';ksjsal izksMDVifCyd yk,fcYVh bu';ksjsal ikfylhizksMDV yk,fcYVh bu';ksjsal ikfylhØkbe bu';ksjsal ikfylh*ejhu dkjxks vksiu ikfylh*E;qpqvy iQaM ,slsV izksVSD'ku ikfylh*

pksykeaMye ,e ,l tujy izksMDV yk,fcYVh bu';ksjsal ikfylh&lh 1&ih Mhbu';ksjsal dañ fyñ izksMDV yk,fcYVh bu';ksjsal ikfylh&vaMj ifCyd yk,fcYVh&lh 2&ih 1

ifCyd yk,fcYVh bu';ksjsal ikfylh iQksj baMfLVª;y ,aM LVksjst fjLdifCyd yk,fcYVh bu';ksjsal ikfylh iQksj uku&baMfLVª;y ,aM LVksjst fjLddef'kZ;y tujy yk,fcYVh bu';ksjsal ikfylhdef'kZ;y vacjsyk yk,fcYVh bu';ksjsal ikfylhLis'kykbLM izksiQS'kuy buMSefuVh ikfylhiQkbZuSaf'k;y buLVhV;w'kul izksiQS'kuy buMSefuVh ikfylhcSadlZ buMSefuVh ikfylhbySdVªksfud ,aM dEi;wVj Økbe bu';ksjsal ikfylhØsfMV dkMZ bu';ksjsal ikfylhfiQMhfyVh xjsaVh bu';ksjsal ikfylhfiQMhfyVh] euh ,aM flD;ksfjVh bu';ksjsal ikfylhMk,jSDVlZ ,aM vkSfiQllZ buMSefuVh ikfylhdEI;wVj lfoZflt ,aM lkSiQ~Vos;j MoSyilZ izkSiSQ'kuy yk,fcYVh bu';ksjsal ikfylheYVhehfM;k izkSiSQ'uy yk,fcYVh bu';ksjsal ikfylhbaVjuSV daVSUV yk,fcYVh bu';ksjsal ikfylhbaVjuSV izksiQS'uy yk,fcYVh bu';ksjsal ikfylhbaVjuSV flD;ksfjVh bu';ksjsal ikfylhVSDukSyksth izksiQs'uy yk,fcYVh bu';ksjsal ikfylhejhu dkjxks ikfylh fon ykbczsjh vksiQ DykStst+ejhu ,sMokaLM ykSl vksiQ izksfiQV bu';ksjsal ikfylhiksVZ vFkkSfjVh yk,fcYVh bu';ksjsal ikfylhLVhohMksjl yk,fcYVh bu';ksjsal ikfylhOgkjfiQxj yk,fcYVh bu';ksjsal ikfylhejhu VfeZuy vkijsVlZ dkfEizgSaflo yk,fcYVh bu';ksjsal ikfylhcxZyjh ikfylheuh&bu lsiQ ,aM bu VªkaflV ikfylhIysV Xykl ikfylh



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fu;kWu lkbu bu';ksjsalVh- oh- bu';ksjsalihMy lkbZdyl bu';ksjsalvkWy fjLdl~ ikfylhcSxt bu';ksjsal,Sfuey Mªkbou dkVZ bu';ksjsal,SfxzdYpjy iEi lSV bu';ksjsal'kwxjdsu ØkSi bu';ksjsal&buiqVlykbo LVkWd bu';ksjsaldSVy bu';ksjsal'khi bu';ksjsaliksyVªh bu';ksjsaliSV MkSx bu';ksjsalilZuy ,SDlhMSaV bu';ksjsalbufMfotqvy ,aM xzqi bu';ksjsalVSªoy gsYFk bu';ksjsal&bufMfotqvy ,aM xzqixqzi gsYFk bu';ksjsalbufMfotqvy gsYFk bu';ksjsal'kkSi iSdst ikfylhvkWfiQl iSdst ikfylhgkse iSdst ikfylhiQkjej iSdst ikfylh,SlsV vkWy fjLdl ikfylh*

*ekpZ] 2003 ds i'pkr vkjaHk fd, x,



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^^mRikn fMtkbu vkSj dher** vkSj ^nh xbZ lsok dh DokfyVh**A

chekdrkZ xzkgd dh bu vis{kkvksa ds ckjs esa vPNh rjg ls

tkx:d gSaA

blds vfrfjDr] ikfylhèkkjdksa ds fgrksa ds laj{k.k ls lacafèkr

fofu;eksa dh vfèklwpuk esa xzkgd lsokvksa ds fy, cSapekdZ

vfèkdfFkr fd, x, gSaA lHkh chekdÙkkZvksa dks bu cSapekdks±

dk vuqikyu djuk vko';d gSA xzkgdksa dh lsok djus esa

nwljs mik; ds :i esa] izkfèkdj.k us vius&vius chekdÙkkZvksa

ds lkFk chekdr ls izkIr f'kdk;rksa ij dkjZokbZ dh gSA fjiksVZ

;g nf'kZr djrh gS fd ikfylhèkkjdksa dh f'kdk;rksa dks nwj

djus ds fy, izkfèkdj.k ds iz;klksa ls fopfyr ifj.kke mRiUu

gq, gSaA xzkgd f'kdk;r lSy ls lacafèkr C;kSjs&fjiksVZ ds Hkkx 2

(VI) esa fn, x,s gSa ftlesa lkj.kh 49 vkSj 50 esa izkfèkdj.k

}kjk izkIr f'kdk;rksa dh izkfLFkfr nh xbZ gSA

(iii) xzkgd lsokizkfèkdj.k] ikfylhèkkjdksa dh vkdka{kkvksa dks iwjk djus ds

fy, vusd vfHkdrkZvksa dh vko';drk dks eglwl djrs gq,]

vfHkdrkZvksa ds vuqKkiu ds fy, ,d vè;is{kk ds :i esaizf'k{k.k vfèkdfFkr djrk gSA rn~uqlkj] chekdÙkkZvksa us izkfèkdj.k

}kjk vfèkdfFkr lafu;eksa ds vuqlkj] vfHkdrkZvksa dks izf'k{k.k

nsus ds fy, izR;kf;r fMfotuy vkSj izknsf'kd izf'k{k.k dsUnzLFkkfir fd, gSaA blds lkFk&lkFk] fuxfer vfHkdrkZ] nyky]

losZ{kd vkSj Vhih, ds fy, fofu;e vfèklwfpr djrs le;

izkfèkdj.k dks izf'k{k.k vis{kkvksa dks vfèkdfFkr fd;k gSA ;glqfuf'pr djus ds fy, tksj fn;k tkrk gS fd eè;orhZ

eqfoDdyksa dh vis{kkvksa dks le>us ds fy, iwjh rjg rS;kj gSa

vkSj rn~uqlkj] chekdÙkkZ ikfylhèkkjdksa dh lsok djus dks mPpizkFkfedrk nsrs gSaA ;g fo'ks"k izdkj ls egRoiw.kZ gS D;ksafd

cktkj èkhjs&èkhjs izfr;ksxh gksrk tk jgk gSA nks ,sls dkj.k gSa tks

xzkgd }kjk fn, x, fodYi dks izHkkfor dj ldsaxs os gSa

lkj.kh - 33

fu;r chekaddksa dh lwph µ xSj&thou chekdÙkkZ(31 ekp Z] 2003 dks)

ctkt ,yk,at lk/kj.k chek dañ fyñ Jh xksfoanu o/Zjktu

pksykeaMye ,e ,l lk/kj.k chek dañ fyñ dkykiV~Vkiq iwj.kpUnz 'kekZ

Hkkjrh; lk/kj.k chek fuxe&thou iqu%chek foHkkx ykyxqMh ih- osadVjkeu

,p Mh ,iQ lh pc lk/kj.k chek dañ fyñ Jh ukjk;.k y{e.ku

vkbZ lh vkbZ lh vkbZ ykseckMZ lk/kj.k chek dañ fyñ ih;w"k vkbZ- etwenkj

biQdks&Vksfd;ks lk/kj.k chek dañ fyñ ,-ih- ihrkacju

us'kuy chek dañ fyñ Hkwnso pVthZ

n U;w bafM;k ,';ksjsal dañ fyñ vkuan jkepanz izHkw

fjyk,al lk/kj.k chek dañ fyñ ,u- xksikyd".k ikbZ

jkW;y lqUnje ,yk,at chek dañ fyñ Jh vks- y{ehukjk;.k

VkVk , vkbZ th lk/kj.k chek dañ fyñ Jh dkfle guqear jko

n vksfj,aVy chek dañ fyñ izse xqIrk

;qukbfVM bafM;k chek dañ fyñ lkjaxjktk d".ku


3rd

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ikfylhèkkjdksa ds fgr esa i¼fr ds LosPN;k Lohdkj djus dsfy, mik; djus ds fn'kk esa] thou vkSj xSj&thou chekdÙkkZvksadh ifj"kn~ Hkh chekdÙkkZvksa dk ekxZn'kZu djrh gS bl fn'kk esa]thou chekdÙkkZvksa dks mudh ifj"kn~ us ebZ] 2003 esa thouchek ikfyfl;ksa ds èkkjdksa dks i;kZIr lsok nsus ds fy, lnkpkj ekudvkSj etcwr i¼fr Lohdkj djus ds fy, lykg nh xbZ FkhA

xzkgd dh lsok dks lqdj cukus dh nf"V ls] chekdÙkkZvksa usikfylh chek] fjiksVZ fd, x, nkoksa] lanÙk nkoksa] cdk;k nkoksa]fuiVk, x, nkoksa dk vuqikr] xSj&okn fuiVk, x, nkoksa dkvuqikr] okil fd;k x;k izhfe;e] i"Bkadu vkSj f'kdk;r dksnwj djus dk vuqikr tSls igyqvksa ij vkbZ-Vh- vkèkkfjr eap dsekè;e ls fjiksVs± rS;kj djuk vkjaHk dj fn;k gSA chekdrkZ?kj&?kj esa LFkkfir cSapekdks± ds izfr Lo;a ds fu"iknu ij tkapdjrs gSa vkSj vius xzkgd lsok dsUnzksa ds fy, xzkgd lacaèkizcaèk ifj;kstuk 'kq: dh gS ftls laiw.kZ ns'k ds fofHkUu LFkkuksaij LFkkfir fd;k x;k gS rFkk fofHkUu mRiknksa dh tkudkjh nsusds vykok ikfylhèkkjdksa dh fofHkUu vko';drkvksa dks tqVkusds fy, dky lasVj LFkkfir fd, gSaA dqN daifu;ksa us eksckbynkok lsok iznku djuk Hkh vkjaHk dj fn;k gSA chekdÙkkZvksa usf'kdk;r izdks"B Hkh LFkkfir fd, gSa rFkk bu izdks"Bksa dsdk;Z&fu"iknu dks fu;fer vkèkkj ij ckjhdh ls ekuhVj fd;ktkrk gSA ^^D;k eSa vkidh lsok dj ldrk gwa** vkSj tkudkjhljyhdj.k dkmaVj Hkh LFkkfir fd, x, gSaA blds vfrfjDr]tYn jgV ;kstuk vkSj fufèk&esyk tSlh Ldheksa dks nkoksa dk

'kh?kzrk ls fuiVkjk djus ds fy, izfl¼ fd;k tk jgk gSA

Øsrk cktkj ds :i esa] rsth ls mHkjrs gq, chek m|ksx ds lkFk]chekdÙkkZvksa dks DokfyVh xzkgd lsok nsus ds fy, Lo;a dksmuds vuqdwy cukuk gksxk vkSj bl iz{ksi&iFk esa] lwpukizkS|kfsxdh fujarj ,d fu.kkZ;d Hkwfrdk vnk djsxkA ,sls chekdÙkkZtks blds i'pkr~ izLrkfor vksj lsokizn nksuksa vkèkkjksa dsvuqlkj xzkgdksa dh vko';drkvksa dh iwfrZ djus esa leFkZ gSa]rS;kj izfr;ksxh ifjizs{; esa ,d usrk ds :i esa mHkjsaxsA

o"kZ 2002&03 ds nkSjku] ,sls lsok ekudksa ds mPprj Lrj dksizkIr djus dh nf"V ls] dk;kZy; ls ckgj izpkyuksa dkslapkfyr djus okys vius dfeZ;ksa ij mPprj mÙkjnkf;RoMkyus ds fy, thou chek fuxe us iqujhf{kr ukxfjd pkVZvaxhdkj fd;k gS tks izcaèku ds vuqlkj vkSj vfèkd ;qfDr;qDrgS ctk; tSlk fd ikfylhèkkjdksa ds fofu;eksa ds vèkhuvkKkid gSaA

(x) jftLV ªhÑr chekdÙkkZvksa vkSj iqu%chekdÙkkZvksa ds C;kSjs

jftLVªhdr thou chek] xSj&thou chek vkSj iqu%chekdÙkkZ dsC;kSjs lkj.kh 34 vkSj 36 esa fn, x, gSaA lkj.kh esa chekdÙkkZvksadk uke] dk;Z tks muds }kjk fd;k tk jgk] dk uke] mudsizpkyu ds izkjaHk dh rkjh[k] mudk izèkku vfèkdkjh vkSjmuds laidZ C;kSjs lkj.kh esa fn, x, gSaA

okf��"kZd

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x- jftLV ªhÑr chekdÙkkZvksa vkSj iqu%chekdrkZvksa ds C;kSjs

lkj.kh - 34

thou chekdÙkkZvksa ds C;kSjs

jft- daiuh dk uke iz/ku vf/dkjh V syhiQksu la-@ iSQDl la-@ dkjckj dh izÑfr dkjckj vkjEHk djus dh ladk uke bZ&esy ,aM osc irk rkjh[k

(31.3.2003 dk s )

116 ,yk,at ctkt thou chek Jh tsEl okYVu V sy h% 020 - 4026666 laca/ dkjckj] xSj lac¼ dkjckj] 01.10.2001

daiuh fy- iS Q Dl% 020 - 4026667 LokLF; chek] O;f"Vd vkSj lewgthbZ Iyktk] ,;jiksVZ b Z &e sy % [email protected] chek nksuksaiq .k s -411 006 osc% www.allianzbajaj.co.in

109 fcjyk luykbZiQ chek Jh ukuh >kosjh V sy h% 022 - 56783333 laca/ dkjckj] xSj lac¼ dkjckj] 19.03.2001

daiuh fyfeV sM iS Q Dl% 022 - 56783232 LokLF; chek] O;f"Vd vkSj lewgnwljk ry] vgwjk lsaVj] ^ch* foax] b Z &e sy %[email protected] chek nksuksaegkdkyh dsOl jksM] va/sjh (bZ)] osc% www.birlasunlife.com

eqEcbZ-400 093.

101 ,pMh,iQlh LV SMMZ Jh Mh-,e- lrokysdj V sy h% 022 - 26533666, 26533660 laca/ dkjckj] xSj lac¼ dkjckj] 12.12.2000

daiuh fyfeV sM iS Q Dl% 022 - 26533655 / 654 / 661 LokLF; chek] O;f"Vd vkSj lewg5oka ry] n vkbZ,y ,aM ,iQ,l iQkbusaf'k;y b Z &e sy %[email protected] chek nksuksalsaVj IykV lh&22 ^th* Cykd] osc% www.hdfcinsurance.com

dkEiysDl] ckanzk (bZ)eq EcbZ-400 051.

105 vkbZlhvkbZlhvkbZ izwMsaf'k;y thou chek lqJh f'k[kk 'kekZ V sy h% 022 - 56621996 / 56621600 laca/ dkjckj] xSj lac¼ dkjckj] 19.12.2000

daiuh fyfeV sM iS Q Dl% 022 - 24376638, 56622031 LokLF; chek] O;f"Vd vkSj lewgvkbZlhvkbZlhvkbZ izwykbZiQ VkolZ] b Z &e sy %[email protected] chek nksuksa1089, vIiklkfgc ekjkBs ekxZ] o s c%www.iciciprulife.com

lac¼ dkjckj] xSj lac¼izHkknsoh]eq EcbZ-400 025

114 vkbZ,uth oL;k thou Jh ;woks vkj- esVthvkj V sy h : 080 - 5328000 laca/ dkjckj] xSj lac¼ dkjckj] 01.09.2001

chek daiuh iS Q Dl: 080 - 5559753 LokLF; chek] O;f"Vd vkSj lewg5oka ry] vkbZ,uth oL;k gkÅl] b Z &e s y :[email protected] chek nksuksa22, ,e-th- jksM o s c :www.ingvysyalife.com

caxykSj-560 001

okf��"kZd

fjiksVZ

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(31.3.2003 dk s )

512 Hkkjrh; thou Jh ,l-ch- ekFkqj V sy h% 022-22020997 / 7060 / 8085 laca/ dkjckj] xSj lac¼ dkjckj]chek ekxZ] iS Q Dl% 022-22810680 LokLF; chek] O;f"Vd vkSj lewg;ksx{kse] thou chek ekxZ b Z &e sy % [email protected] chek nksuksaiksLV ckDl la- 19953 : [email protected]

eqEcbZ - 400 021 o s c%www.licindia.com

104 eSDl U;w;kdZ thou chek Jh vuw:i (Vksuh) V sy h% 0124-2567717 / 1717 laca/ dkjckj] xSj lac¼ dkjckj] 26.03.2001

da-fy- flag iS Q Dl% 0124-2561765 / 1764 LokLF; chek] O;f"Vd vkSj lewg11oka ry] Mh,y,iQ Lds;j] b Z &e sy %[email protected] chek nksuksatdkajnkekxZ] Mh,y,iQ flVh] isQl&2] o s c % www.maxnewyorklife.com

xqMxkao - 122 002.

117 esVykbZiQ Hkkjrh; chek Jh osadVs'k ,l- eslwj V sy h% 080-6438638 laca/ dkjckj] xSj lac¼ dkjckj] 04.01.2002

daiuh fyfeV sM iS Q Dl% 080-6521970 LokLF; chek] O;f"Vd vkSj lewgfcxzsM 'kh'kegy] la- 5, b Z &e sy %[email protected] chek nksuksaok.kh foykl jksM] cklokMkxq.kh] o s c%www.metlife.com

caxySkj-560 004.

107 vkse dksVd egsanzk Jh f'kokth nke V sy h% 022-56635000 / 111 laca/ dkjckj] xSj lac¼ dkjckj] 17.05.2001

thou chek da-fy- iS Q Dl% 022-56635102 LokLF; chek] O;f"Vd vkSj lewg6oka] iSfuulwyk psEclZ] b Z &e sy %[email protected] chek nksuksaisfuulwyk dkjiksjsV ikdZ] o s c % www.omkotakmahindra.com

x.kirjko dne ekxZ]yksvj ikjsyeq EcbZ-400 013.

111 ,lchvkbZ thou chek Jh vkj- Ñ".kkewfrZ V sy h% 022-56392000 laca/ dkjckj] xSj lac¼ dkjckj] 15.06.2001

daiuh fyfeV sM iS Q Dl% 022-56392012 LokLF; chek] O;f"Vd vkSj lewgVuZj eksjhlu Hkou b Z &e sy % [email protected] chek nksuksanwljk ry] 16, cSad LVªhV iQksV] o s c%www.sbilife.co.in

eqEcbZ-400 023.

110 VkV k ,vkbZth thou chek Jh b;ku ts- okV~l V sy h% 022-56930000 / 3888 laca/ dkjckj] xSj lac¼ dkjckj] 02.04.2001

daiuh fyfeV sM iS Q Dl% 022-56938255 LokLF; chek] O;f"Vd vkSj lewgvgwjk lsaVj] pkSFkk ry] b Z &e sy % [email protected] chek nksuksa82, egkdkyh dsol jksM] va/sjh jksM (bZ)] osc% www.tata-aig.com

eqEcbZ-400 093.

okf��"kZd

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0


(31.3.2003 dk s )

121 ,,eih laekj ,';kjsal da-fy- Jh ,l-oh- eksuh V sy h%044 - 28118411 laca/ dkjckj] xSj lac¼ dkjckj] 28.01.2002

9, dsFksMªy jksM] iS Q Dl%044 - 28117669 LokLF; chek] O;f"Vd vkSj lewgp S UubZ -600 086. b Z &e sy % [email protected] chek nksuksa

o s c% ampsanmar.com

122 vohoh thou chek da- Jh LVqvkVZ inhZ V sy h% 0124 - 2804121 / 4141 laca/ dkjckj] xSj lac¼ dkjckj] 06.06.2002

izk-fy- iS Q Dl% 0124 - 2804122 / 4151 LokLF; chek] O;f"Vd vkSj lewg5oka ry] ts,eMh jhtsaVl Lds;j] b Z &e sy % [email protected] chek nksuksaxqM+xkao&esgjkSyh jksM] o s c% www.avivaindia.com

xqMxkao � 122 001.

fjyk,al thou chek da-fy- fl¼kUr :i esa vuqeksnu fd;k x;k*lgkjk bafM;k thou chek da-fy- V sy h% 0522 - 2337777 / 237 3018 fl¼kUr :i esa vuqeksnulgkjk bafM;k Hkou] iS Q Dl% 0522 - 2332683 izkIr fd;k x;k1, diwjFkyk dkEiysDl]y[kuÅ � 2266024

* ;g daiuh 31 ekpZ 2003 ds i'pkr~ izkf/dj.k esa jftLVªhÑr dh xbZA

okf��"kZd

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lkj.kh - 35

lk/kj.k chekdÙkkZvksa ds C;kSjs

jft- daiuh dk uke iz/ku vf/dkjh V syhiQksu la-@ iSQDl la-@ dkjckj dh izÑfr dkjckj vkjEHk djus ladk uke bZ&esy ,aM osc irk dh rkjh[k

(31.3.2003 dk s )

113 ctkt ,yk,at lk/kj.k Jh lse ?kks"k V sy h% 020 - 4026600 vfXu] leqnzh&leqnzh LFkksjk] 08.05.2001

chek daiuh fyfeV sM iS QDl% 020 - 4026678 leqnzh isV~Vk] izØh.k&eksVj]thbZ Iykt] ,;jiksVZ jksM] b Z &e sy % [email protected] bathfu;jh] nkf;Ro] LokLF;;sjkokMk] iq.ks-411 006. o s c% www.bajajallianz.co.in

115 vkbZ lh vkbZ lh vkbZ yksckMZ Jh lanhi c['kh V sy h% 022 - 24906800 vfXu] leqnzh&leqnzh LFkksjk] 31.08.2001

lk/kj.k chek daiuh fyfeV sM iS Q Dl% 022 - 26531655 leqnzh isV~Vk] izØh.k&eksVj]tsfuFk gkÅl b Z &e sy % [email protected] bathfu;jh] nkf;Ro] LokLF;ds'ko jko [kk| ekxZ] egky{eh] o s c% www.icicilombard.com

eqEcbZ-400 034.

106 bZiQdks V ksfd;k lk/kj.k Jh vthr ukjk;.k V sy h% 0124 - 2220889 / 891 / 893 / 895 vfXu] leqnzh&leqnzh LFkksjk] 16.01.2001

chek da- fy- iS Q Dl% 0124 - 2220887, 2222063 leqnzh isV~Vk] izØh.k&eksVj]ike dksVZ] pkSFkk ry] b Z&e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;IykV la- 20/4, lq[kjyh pkSd] o s c%www.itgi.co.in

eSgjksyh&xqMxkao jksMxqMxkoa-122001.

58 us'kuy chek Jh ,l-,l- ok/ok V sy h% 033 - 22831704 / 1715 / 1718 vfXu] leqnzh&leqnzh LFkksjk]da- fy- iS Q Dl% 033 - 22831712 leqnzh isV~Vk] izØh.k&eksVj]3, feMyVksu LVªhV] b Z & e s y % [email protected] bathfu;jh] nkf;Ro] LokLF;iksLV ckDl la- 9229, o s c % www.nationalinsuranceindia.com

dksydkÙkk - 700 071.

90 n U;w bafM;k ,';ksjsal Jh vkj csjh V sy h% 022 - 22624987, 22674764 vfXu] leqnzh&leqnzh LFkksjk]da- fy- iS Q Dl% 022 - 22652811 leqnzh isV~Vk] izØh.k&eksVj]U;w bafM;k ,';ksjsal Hkou] b Z&e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;87, ,e-th- jksM] iQksVZ] [email protected]

eqEcbZ - 400 001. o s c%www.niacl.com

556 n vksfj,aVy chek da- fy- Jh ,l-,y- eksgu V sy h% 011 � 23265024, 23276226 vfXu] leqnzh&leqnzh LFkksjk],-25/27, vkfliQ vyh jksM] iS Q Dl% 011 � 23263175 leqnzh isV~Vk] izØh.k&eksVj]ubZ fnYyh - 110 002. b Z &e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;

o s c% www.orientalinsurance.nic.in

okf��"kZd

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jft- daiuh dk uke iz/ku vf/dkjh V syhiQksu la-@ iSQDl la-@ dkjckj dh izÑfr dkjckj vkjEHk djus ladk uke bZ&esy ,aM osc irk dh rkjh[k

(31.3.2003 dk s )103 fjyk,al lk/kj.k chek Jh fot; iokj V sy h% 022 - 30216900 vfXu] leqnzh&leqnzh LFkksjk] 23.03.2001

daiuh fyfeV sM iS Q Dl% 022 - 22886155 leqnzh isV~Vk] izØh.k&eksVj]5oka ry] ,uds,e baVjus'kuy gkÅl b Z&e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;128, cSdcs fjDyses'ku] ckcwHkkbZ fpuk, jksM] osc% www.ril.com

eq EcbZ � 400 020.1

102 jkW;y lqUnje ,yk,at Jh feDdh fczxl V sy h% 044 - 28517387 vfXu] leqnzh&leqnzh LFkksjk] 23.10.2000

chek daiuh fyfeV sM iS Q Dl% 044 - 28510596 leqnzh isV~Vk] izØh.k&eksVj]46, OgkbZVl jksM] jks;kisVk] b Z &e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;p s UubZ -600 014. WEB:www.royalsundaram.com

108 VkV k ,vkbZth lk/kj.k Jh fnyhi oekZ V sy h% 022 - 56930000 vfXu] leqnzh&leqnzh LFkksjk] 22.02.2001

chek daiuh iS Q Dl% 022 - 56938175 leqnzh isV~Vk] izØh.k&eksVj]vgwjk lsaVj] pkSFkk ry] b Z &e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;82 egkdkyh dsol jksM] va/sjh (bZ)] osc% www.tata-aig.com

eqEcbZ - 400 093.

545 ;wukbfVM bafM;k chek Jh oh- txUukFku V sy h% 044 - 28522021 / 0161 vfXu] leqnzh&leqnzh LFkksjk]da-fy- iS Q Dl% 044 - 28525280 leqnzh isV~Vk] izØh.k&eksVj]24, OgkbZVl jksM] b Z &e sy % [email protected] bathfu;jh] nkf;Ro] LokLF;psUubZ - 600 014. E-mail:[email protected]

osc% www.uiic.co.in

123 pksykeaMye ,e,l lk/kj.k Jh v#.k vxzoky V sy h% 044 - 52166000 vfXu] leqnzh&leqnzh LFkksjk] 1.9.2002

chek iS Q Dl% 044 - 25224949 / 52166001 leqnzh isV~Vk] izØh.k&eksVj]^^fVvke gkÅl** 5oka ry] 72, jktkth lykbZ b Z & e s y %[email protected] bathfu;jh] nkf;Ro] LokLF;ps UubZ � 600 001. E-mail:[email protected]

o s c% www.cholainsurance.com

124 bZlhthlh vkiQ bafM;k fy- Jh ih-,e-,- gdhe V sy h% 022-22845452 / 71/ 72 ½.k tksf[ke chek �

,Dlizsl VkWojl 10oka ry, iS Q Dl% 022-22045253

ujheu IokbaV b Z &e sy %[email protected]

eqEcbZ � 400 021. E-mail:[email protected]

o s c% www.ecgcindia.com

125 ,pMh,iQlh pc lk/kj.k chek Jh ,l-oh- lkear V sy h% 022-56383600 vfXu] leqnzh&leqnzh LFkksjk] 17.10.2002

5oka ry] ,Dlizsl VkWolZ iS Q Dl% 022-56383699 leqnzh isV~Vk] izØh.k&eksVj]ujheu ikb±V b Z &e sy %[email protected] bathfu;jh] nkf;Ro] LokLF;eq EcbZ-400 021. osc% hdfcchubbindia.com

126 *Hkkjrh; Ñf"k chek da-fy- Jh lqikjl HkaMkjh V sy h% 011 - 23416158 / 6128 iQly chek 29.10.2003

,y- 41, igyk ry] dukWV ldZl iS Q Dl% 011 - 23415273 / 2589

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* 31 ekpZ] 2003 ds i'pkr~ izkfèkdj.k esa jftLVªhdr daifu;kaA

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iqu%chekdÙkkZ dk C;kSjkiathdj.k daiuh dk uke eq[; vf/dkjh nwjHkk"k ua-@ iSQDl@ ua- dkjckj dh izÑfr dkjckj izkjaHk ladk uke bZ&esy vkSj osc irk djus dh rkjh[k

(31.3.2003 dk s )

544 Hkk-lk- chek fuxe Jh Mh- lsu xqIrk nw jHkk" k : 022-22852043 / 2041, 22833046 iqu%cheklqj{kk 170, iS QDl : 022-22884010

ppZ xsV] eqacbZ 400 020. b Z &e sy :[email protected]

o s c :www.gicindia.com


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(?k) ikfyfl;ka vkSj chek cktkj dks fodflrdjus ds mik;

blds izpkyu ds izkjafHkd o"kks± esa j[kh xbZ uhao dks vkSjetcwr cukrs gq,] izkfèkdj.k us foÙkh; o"kZ 2002&03 ds nkSjkuvusd dk;Z fd;s gSa] muesa ls dqN uhps nf'kZr gSa%

1- ;g iqu% mn~?kr fd;k tk jgk gS fd izkfèkdj.k esajftLVªhÑr chekdÙkkZvksa ds fy, okf"kZd uohdj.k djusds fy, mDr o"kZ ds fy, foÙkh; o"kZ 2001&02 esa dqyfyf[kr izhfe;e ds 7 izfr'kr ds 1@5 dks ?kVkdj 1@10dh xbZ FkhA blds vfrfjDr] chek lykgdkj lfefr usnwljs nks o"kZ] vFkkZr~ 2002&03 vkSj 2003&04 ds fy,iQjojh] 2003 esa tkjh dh xbZ vfèklwpuk ds vuqlkj]Hkkjrh; chek daifu;ksa ds jftLVªhdj.k ls lacafèkr fofu;eksaesa] dqy izR;{k izhfe;e vifyf[kr ds jftLVªhdj.kiQhl dks 1 izfr'kr ds 1@5 ls ?kVkdj 1@10 djus dsfy, la'kksèku fd;k x;k FkkA

2- ljy le>us okyh Hkk"kk esa izLrkfor uhfr nLrkostksa]thou vkSj xSj&thou esa nkok izfØ;k] f'kdk;r fuokj.kra=k] LFkkfir djus_ nkoksa dk 'kh?kzrk ls fuiVkjk djusrFkk ikfylhèkkjdksa dh lsok ds fy, ikfylhèkkjdksa dsfgrksa dk laj{k.k fofu;e] 2002 vfèklwfpr fd, x,FksA ;s micaèk ^^iQkby vkSj mi;ksx** ds vèkhu mRiknksadks iQkby djus ls lacafèkr igys ls gh fo|eku ekxZn'kZdfl¼karksa ds vfrfjDr FksA nkoksa ds lank; ij foyafcrC;kt vkSj Hkkoh ikfylhèkkjdksa }kjk 15 fnuksa dh vofèkds eqDr fopkj bu fofu;eksa ds vfrfjDr y{k.k gSA ;sfofu;e chek mRiknksa ds iQk;nksa dks crkrs le; Li"Vrkiznku djus vkSj vkèkkfjr mRiknksa dh vuqof¼ ds fy,lhek,a vfèkdfFkr djus ds fy, vkSj mikarfjr fd, x, FksA

3- vfèk'ks"k ds forj.k ls lacafèkr fofu;eksa dks vfèklwfprfd;k x;k Fkk ftlls fd Hkkxhnkjh ikfylh;ksa dh n'kkesa 'ks;jèkkjdksa ds vfèk'ks"k ds vfèkdre 10 izfr'krvkSj xSj&Hkkxhnkjh ikfyfl;ksa dh n'kk esa vfèk'ks"k dks100 izfr'kr rd forfjr djus ds fy, chekdÙkkZvksa dsfy, micaèk fd;k tk ldsA

foÙkh; o"kZ 2002&03 ds nkSjku] izkfèkdj.k us chek (la'kksèku)vfèkfu;e] 2002 dh vfèklwpuk ds lkFk fuEufyf[kr fofu;eksadks Hkh vfèklwfpr fd;k Fkk%&

l chek mRiknksas ds forj.k pSuyksa esa of¼ djus ds fy,fu;fer vfHkdrkZ vkSj chek nykyksa dk vuqKkiu fofu;e]

2002 chek mRiknksa ds fot; vkSj forj.k ds {ks=k esa]cSadksa] ,uch,iQlh,l] lgdkfj;ksa vkSj xSj&ljdkjh laxBuksadks lqdj cukus ds fy, gSaA

l xzkgdksa dh lqfoèkk dks lqdj cukus ds fy, ØSfMVdkMZ] euhvkMZj vkSj baVjusV ds ekèk;e ls chekizhfe;e ds lank; dk micaèk djus ds fy, izhfe;elank; dh jhfr fofu;e] 2002_

l xzkeh.k ;k lkekftd lsDVj ds chekdÙkkZvksa dh ckè;rk(la'kksèku) fofu;e] 2002 ftls iwoZ fofu;e dsLFkku ij yk;k x;k vkSj ^^xzkeh.k** 'kCn dksiqu%ifjHkkf"kr fd;k x;k rFkk ^^vkSipkfjd lsDVj**dh ifjHkk"kk dks var%LFkkfir fd;k x;kA thouchekdÙkkZvksa dh ckè;rk,a foÙkh; o"kZ 2002&03 vkSjmlls vkxs ds fy, c<+ xbZ Fkh] ;s fofu;e foÙkh;o"kZ 2002&03 ls izHkkoh gks x,s FksA

l cSad ,';ksjsal vkjaHk djus ds lkFk gh izkfèkdj.kus cSadksa ds lkFk jsiQjy O;LFkk,a djus ds fy,thou chekdÙkkZvksa dks u, ekxZn'kZd fl¼kar Hkhtkjh fd,A

chek fofèk dk iqufoZyksduchek {ks=k ds mnkjhdj.k dh izfØ;k] ftls rhu o"kZ igysvkjaHk fd;k x;k] bl ckr dh lk{kh gS fd cktkj esa mrjusokys ubZ izkbosV daifu;ksa ds lkFk m|ksx esa Hkkjh ifjorZu gq,gSaA bl izfØ;k ls bu izkbosV daifu;ksa ds fy, fofu;ked vkSji;Zos{k.kkRed ifjizs{; esa O;kid iqufoZyksdu dh vko';drkgqbZA

bl n`f"Vdks.k ls] fofèk vk;ksx us izkfèkdj.k ds vuqjksèk ijchek m|ksx ds lanHkZ esa] lkèkkj.k vkSj fof'k"Vr;k vFkZO;oLFkkesa izcy vkfFkZd mnkjhdj.k dh rtZ ij chek m|ksx dks laxrcukus ds fy, chek vfèkfu;e] 1938 vkSj vU; lacafèkrfoèkkuksa ds iqufoZyksdu dk dk;Z vkjaHk fd;kA ,d iz;ksx dsHkkx ds :i esa] vk;ksx us chek m|ksx ds fy, O;kid ,dyfoèkku dh vko';drk dk Hkh fuèkkZj.k fd;k gSA

vk;ksx us bl fo"k; ij ,d 'osri=k Hkh tkjh fd;k gS vkSjfofHkUu fudk;ksa] ftlesa pSEcj vkiQ dkelZ] m|ksx vkSj fofHkUuinèkkjh Hkh lfEefyr gSa] ds lkFk O;kid fopkj&foe'kZ Hkhfd;kA izkfèkdj.k us bl lacaèk esa fofèk vk;ksx dh lgk;rkdjus ds fy, ,d dksj lewg Hkh xfBr fd;k gS vkSj fofHkUuigyqvksa ij blds fopkj&foe'kks± dh leh{kk dh tk jgh gSA


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(Ä) vkjaHk fd, x, vuqlaèkku vkSj fodklfØ;kdyki

chek {ks=k eas vuqla/ku vkSj fodkl fØ;kdykiksa ds laoèkZu dsvius iz;klksa esa izkfèkdj.k us vkaèkz izns'k ljdkj ds lg;ksx lsgSnjkckn esa chek vkSj tksf[ke izcaèk laLFkku dh uhao j[khAchek vkSj tksf[ke izcaèk laLFkku dks foÙkh; {ks=kksa esa vuqlaèkkudjus ds fy, vkKid cuk;k x;k vkSj ;g vuqHko fd;k x;kgS fd laLFkku ,f'k;k islfiQd {ks=k ds fy, ,d mRÑ"V dsUnzvkSj vkn'kZ ds :i esa fodflr gksxkA (chek vkSj tksf[keizcaèk laLFkku ds fØ;kdyki fjiksVZ ds Hkkx 3 esa foLrkj lsfn, x, gSa)A blds vykok] chek ds fo'ks"k igyqvksa ijvfèkdkfjd vuqlaèkku dk;Z djus ds fy, Hkkjrh; izcaèk laLFkku]caxykSj esa chek vuqlaèkku vkSj f'k{kk dsUnz igys ls gh LFkkfirfd;k x;k gSA dsUnz }kjk fd, x, xzkeh.k chek lacaèkh vuqlaèkkuvè;;u ds vkèkkj ij] izkfèkdj.k us xzkeh.k vkSj lkekftdlsDVj ds fy, chekdÙkkZvksa dh ckè;rkvksa ls lacafèkr fofu;eksads la'kksèkuksa dks vfèklwfpr fd;k Fkk] tks foÙkh; o"kZ 2002&03ls ykxw fd, x, FksA

chekdÙkkZvksa us dqN fof'k"V yksxksa dks è;ku esa j[kdj mudsvuqdwy mRiknksa dks vkjaHk djus ds fy, bu gkml ;k ofÙkdvfHkdj.kksa ds ekè;e ls cktkj vuqlaèkku Hkh lapkfyr fd;kgSA fdlh ,d fof'k"V LFkku vkSj le; ij tksf[ke lap;u dkmik; djus ds fy, tksf[ke fuèkkZj.k vè;;u fd, tk jgs gSaAchek lk{kjrk esa lqèkkj djus ds fy, dk;Z'kkyk,a vk;ksftrdjds] lkfgR;] vkfn forfjr dj ds xzkgd tkx:drk vfHk;kupyk, tk jgs gSaA chekdrkZ ihB izk;ksftr dj jgs gSa vkSjvè;srkofÙk;ksa dh ?kks"k.kk dj jgs gSa vkSj lsfeukj vkSj lEesyuvk;ksftr djus ds vykok] chekafdd foKku ds fo'ks"k lanHkZesa chek ofÙk ds fodkl ds fy, vuqnkuksa dh ?kks"k.kk dj jgsgSaA blh izdkj] chek ofÙk ds laoèkZu ds mís'; ls]fo'ofo|ky;@dkyst Lrj ij vU; laLFkkuksa dks chek esafMIyksek ikB~;Øe vkjaaHk djus ds fy, izksRlkfgr fd;k tkjgk gSA m|ksx esa lafUufgr ewY; & thou chek daiuh ds cktkjewY; dks ekius ds fy, ,d rduhd&ds :i esa ,slh èkkj.kk'kq: gqbZ gS ftldk mís'; muds dk;Z fu"iknu ds ewY;kadu ijizcaèk ds iz;klksa dks lqdj cukuk gSA fodflr m|ksx ds :i esam|ksx esa fofHkUu i.kèkkfj;ksa vkSj foísrkvksa }kjk vkjaHk fd, tkjgs vuqlaèkku vkSj fodkl ds fofHkUu iz;klksa ds vkèkkj ijvfrfjDr izcaèk rduhd dks fodflr fd;k tk,xkA

fiQDdh ds lg;ksx ls vkbZ-,u-th- lewg us ,d vuqlaèkkudsUnz Hkh LFkkfir fd;k gSA ;g dsUnz chek vkSj isa'ku okysfofHkUu igyqvksa ij fiQYe cukrk gSA

(p) iqufoZyksdu(i) ikfylhèkkjdksa ds fgrksa dk laj{k.k

izkfèkdj.k ds mÙkjnkf;Roksa dk ,d foospukRed {ks=k chekikfyfl;ksa ds èkkjdksa ds fgrksa ds laj{k.k ds fy, micaèk djukgSA bl mís'; dks izHkkoh djus ds mís'; ls] izkfèkdj.k usvizSy&2002 esa 'ks;jèkkjdksa dk laj{k.k fofu;e vfèklwfprfd, tks vklkuh ls le>us okyh Hkk"kk esa miyCèk fd, tk jgsikfylh izLrko nLrkostksa] thou vkSj xSj&thou [kaMksa esa nkokizfØ;k dh :ijs[kk] f'kdk;r fuokj.k ra=k dh LFkkiuk djus]nkoksa dk 'kh?kzrk ls fuiVku rFkk ikfylhèkkjdksa dh lsok dsfy, micaèk djrs gSaA ;s micaèk ^iQkby vkSj mi;ksx ds vèkhumRiknksa ds iQkby djus ds lacafèkr igys ls gh fo|ekumicaèkksa ds vykok gSaA Hkkoh ikfylhèkkj.k }kjk 15 fnu dhvofèk esa nkoksa ds lank; ij foyafcr C;kt vkSj fu%'kqYd HksaVbu fofu;eksa ds vfrfjDr y{k.k gSaA ;s fofu;e vDrwcj]2003 esa mikarfjr fd, x, Fks vkSj m|ksx esa fofHkUu i.kèkkfj;ksals vH;kosnu izkIr gq, FksA fofu;e 3 ds mifofu;e (1) lslacafèkr la'kksèku_ LokLF; ls lacafèkr ;k xaHkhj chekjh dh n'kkesa vfèkdkfjd mRikn ds izhfe;e dk 10 izfr'kr rd vkSjlHkh vU; jkbMjksa ds fy, vfèkdkfjd mRikn ds izhfe;e dks30 izfr'kr rd dh lhek rd izhfe;e izHkkfor djus ds fy,chek daiuh dks vuqKk nsrk gSA blds vfrfjDr] iQkby vkSjmi;ksx izfØ;k ds varxZr lHkh chekdrkZvksa ls cktkj esa viusmRikn dks mrkjus ls iwoZ izkfèkdj.k ds ikl chek mRiknksa dksiQkby djus dh vis{kk dh tkrh gS ftlls fd ;g ^lR;kfirdj lds fd ikfylhèkkjdksa ds fgr] ikfylh nLrkost dsfucaèkuksa ds vèkhu vèkhu vPNh rjg ls lajf{kr gSaA

ikfylhèkkjdksa ds fgrksa dks lajf{kr djus ds fy, izkfèkdj.k}kjk fd, x, vU; mik;ksa esa fuEufyf[kr lfEefyr gS%

l chek ikfylh;ksa ds èkkjdksa ls ifjoknh f'kdk;r izkIrdjus ds fy, dk;Zikyd funs'kd dh vè;{krk esa izkfèkdj.kds Hkhrj ,d izdks"B dk xBu djukA izdks"B yksdf'kdk;rksa ds fuiVkjs esa foyac ds okLrfod ekeyksa dksns[ksxkA rFkkfi] izdks"B gkehnkjh ds :i esa] u rks dksbZdk;Z djrk gS vkSj u gh gkehnkjh i¼fr dks vaxhdkjdjus] chekdÙkkZvksa }kjk nkoksa izfØ;k vkfn tSls eqíksa ijfofu'p; djrk gS_


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l izR;sd thou chekdÙkkZ ds fy,] turk dh tkudkjh dsfy, mlds oscirs ij izhfe;e lax.kuk lqfo/k ds lkFkizhfe;e njksa dks miyC/ djk;k tkuk vfuok;Z djuk gS%

l chek ifj"kn~ vkSj VSfjiQ lykgdkjh lacaèkh lfefr ds fy,pSEclZ vkiQ dkelZ ds izfrfufèk;ksa dks ukefufnZ"V fd;kx;k gS rkfd ;g lqfuf'pr fd;k tk lds fd uhfrxrfofu'; ysrs le;] xzkgdksa ds fopkjksa ij è;ku fn;k tkrkgSA

l chekdÙkkZvksa dksa vius cksMZ esa xzkgd izfrfufèk dks j[kukvisf{kr gS_

l chek daifu;ksa dh vksj ls ;g ckè;rkdkjh gS fd os uhfrnLrkost ds vaÙkxZr iQk;nksa] 'krks± vkSj fucaèkuksa dks Li"V:i ls nf'kZr djsa_

l chekdÙkkZvksa }kjk tkjh fd, x, foKkiuksa esa i;kZIr izdVudjuk visf{kr gS rkfd ;g lqfuf'pr fd;k tk lds fdos chek djkus okyh turk dks xqejkg ugha dj jgs gSa_

l chekdÙkkZvksa dks vius eq[;ky; vkSj ns'k esa vU; dk;kZy;ks±esa i;kZIr f'kdk;r fuokj.k ra=k LFkkfir djuk visf{kr gS_

l dS'kySl doj vkSj nh xbZ vU; lqfoèkkvksa tSlh LokLF;chek lsokvksa esa lqèkkj ykus ds fy, LokLF; lsDVj esarhljk i{kdkj iz'kkld dh 'kq#vkr dh xbZ gS_

l fof'k"Vr;k chekÑr lkèkkj.k turk vkSj chek m|ksx dsfgrksa dh vPNh rjg j{kk djus ds fy, nykyksa dkseè;ofrZ;ksa ds :i esa vuqKIr fd;k x;k gSA czksdjleqfpr chek doj vkSj mlds fucaèkuksa ij lykg nsrk gS]miyCèk chek mRiknksa dh fofoèkrk ij tkudkjh j[krk gSvkSj xzkgdksa ds fopkj ds fy, chekdÙkkZvksa ls izkIr fd,x, dksVs'kuksa dks izLrqr djrk gSA

izkfèkdj.k ;g lqfuf'pr djus ds fy, ikfylhèkkjdksa ds fgrksadh laj{kk Hkh djrk gS fd chekdÙkkZ fofgr 'kksèku {kerkekftZu dks cuk, j[krk gSA chekdÙkkZvksa }kjk 'kksèku {kerkekftZu dks cuk, j[kuk bl ckr dks nf'kZr djrk gS fd os nkoksads lank; ds lacaèk esa ikfylhèkkjdksa dh ckè;rkvksa dks iwjkdjus dh fLFkfr esa gSaA

(ii) chekdÙkkZvksa }kjk 'kksèku {kerk ekftZu dks cuk,j[kukch-fo-fo-izk- (chekdÙkkZvksa dh vfLr;ka] nkf;Ro vkSj 'kksèku{kerk ekftZu) fofu;e] 2000 lHkh chekdÙkkZvksa ls ;gvis{kk djrk gS fd os 50 djksM+ ls vU;wu lhek rd ch-fo-

fo-izk- (chekadu fjiksVZ vkSj lkjka'k) fofu;e] 2000 esa fn,x, fofgr lw=k ij vkèkkfjr jkf'k ds lerqY; nsunkfj;ksa ijvkfLr;ksa ds ewY; ls vfèkd cuk, j[krs gSaA

blh izdkj] lkèkkj.k chekdÙkkZvksa dh n'kk esa] 50 djksM+ #i,ds U;wure 'kksèku {kerk ekftZu dks iquchZek dh n'kk esa 100djksM+ #i, dk ch-fo-fo-izk- (chekdÙkkZvksa dh vkfLr;ka] nkf;RovkSj 'kksèku {kerk) fofu;e] 2000 esa fn, x, lw=k ijvkèkkfjr jkf'k ds lerqY; cuk, j[kuk visf{kr gSA

blds vfrfjDr] jftLVªhdj.k vis{kkvksa ;g fofgr djrh gSafd lHkh chekdÙkkZvksa dks lkekU; vis{kk ls 1-5 xq.kk 'kks/u{kerk nj cuk, j[kuh gksxhA

jftLVªhÑr djrs le;] bl ckr dk è;ku j[kk tkrk Fkk fdu, chekdÙkkZvksa dks vius dk;Z dks fLFkj djus esa yxHkx ikapo"kZ yxsaxs vkSj os fufèk;ksa ds vfrfjDr varokZg ds ekè;e lsviuh vkjafHkd gkehnkjh gkfu;ksa dks fufèk esa ls iwjk djldsaxsA rFkkfi] chekdÙkkZvksa ls gj le; 'kksèku {kerk ekftZuvis{kkvksa dks iwjk djus dh vis{kk dh tkrh gS vkSj izkfèkdj.kvius&vius chekdÙkkZvksa ds LokLF; dks lwpd ds :i esa vkSjikfylhèkkjdksa ds fgrksa ds laj{k.k ds fy, bl iSjkehVj ij ,degRoiw.kZ Hkwfedk vnk djrk gSA

bl izdkj chekdÙkkZvksa ds fu;qDr chekadd }kjk izekf.kr'kksèku&{kerk ekftZu dh ns[k&js[k djuk izkfèkdj.k dk ,degRoiw.kZ ÑR; gSA lHkh chekdÙkkZ ch-fo-fo-izk- (chekdrkZvksadh vkfLr;ka] nkf;Ro vkSj ekftZu {kerk) fofu;e] 2000 ;kch-fo-fo-izk- (chekadu fjiksVZ vkSj lkjka'k) fofu;e] 2000 dsvuqlkj izkfèkdj.k ds ikl ,d okf"kZd fooj.k iQkby djrs gSaftlesa mudh ekftZu&{kerk dh fLFkfr gksrh gSA

foÙkh; o"kZ 2002&03 ds nkSjku thou] xSj&thou vkSj iqu%chekdÙkkZvksa lfgr lHkh chekdÙkkZvksa us chek vfèkfu;e]1938 esa ;Fkkvf/dfFkr 'kks/u {kerk vis{kk dk vuqikyufd;k gSA

(iii) iquchZek dh ekuhVfjaxiquchZek ds fy, fofu;e vfèkdfFkr djrs le;] izkfèkdj.k usizR;sd chekdÙkkZ ij viuh foÙkh; fLFkfr vkSj dkjckj dhek=kk ds lkFk&lkFk vfèkdre laHkkfor izfrèkkj.k leifjek.kdks cuk, j[kus ds fy, ncko cuk, j[kkA ;g bl lanHkZ esa gSfd izkfèkdj.k viuh izfrèkkj.k uhfr dks mfpr Bgjkus dhchekdÙkkZvksa ls vis{kk dj ldsxk vkSj ,sls fuos'k] tks fdlhfons'kh chekdrkZ ds fy, fliQZ ekspkZ [kksyus gsrq fdlh Hkkjrh;chekdÙkkZ ds fo#¼ ,d dop cukus ds fy, vko';d le>s


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194

tkrs gSa] nsus dk vfèkdkj vkjf{kr j[krk gSA lkèkkj.k chekdkjckj djus okys izR;sd chekdÙkkZ ds iqufoZpkj dk;ZØe dhi;kZIr {kerk fodflr djus_ mixr iquchZek ykxr ds fy,loksZÙke laHkkfor laj{k.k dks lqfuf'pr djus vkSj dkjckj dsizHkklu dks ljyhÑr djus ds vkèkkfjd fl¼kar }kjk ekxZn'kZufd, tkus dh Hkh vko';drk gksrh gSA

thou iquchZek dh n'kk esa] izR;sd thou chekdÙkkZ mlds }kjkdoj dh xbZ thou ikfyfl;ksa ds lacaèk esa iquchZek dk;ZØecuk,xk vkSj mls fu;qDr chekadd }kjk lE;d~ :i ls izekf.krdjk,xkA blds vykok] fu;qDr chekadd ds }kjk lE;d~ :ils izekf.kr ,sls izksxzke] ftlesa ml iquchZekdÙkkZ ;k chekdÙkkZvksadk uke gksxk ftlds lkFk chekdÙkkZ us dkjckj fd;k gS] dksizR;sd foÙkh; o"kZ ds izkjaHk ls de ls de pkyhl fnu iwoZizkfèkdj.k ds ikl iQkby fd;k tkuk visf{kr gSA izkfèkdj.k];fn vko';d le>s] le;≤ ij fdlh vfrfjDr tkudkjhdks chekdÙkkZvksa ls izkIr dj ldsxk vkSj chekdÙkkZ mlsizkfèkdj.k dks nsxkA

izkfèkdj.k fof'k"Vr;k bl ckr ls lacaèk j[krk gS fd fons'k esavH;fiZr chekdÙkkZ izfr;ksxkRed varjjk"Vªh; fucaèkuksa ij jk"Vªh;{kerk dk mi;ksx djus ds i'pkr~ gh ,slk dj ldrs gSa vkSjfdlh ,d iqu%chekdÙkkZ ds lkFk fd;k x;k dkjckj vfèkdugha gksuk pkfg,A bl izdkj] izR;sd chekdÙkkZ dks vU;Hkkjrh; chekdÙkkZvksa dks volj nsuk vko';d gS ftlesa Hkkjrls ckgj ,sls vH;iZ.k ds LFkkiu ls iwoZ muds ladk; ;k lafèkvfrjsd esa Hkkx ysus okys Hkkjrh; iqu%chekdÙkkZ Hkh lfEefyrgSA chekdÙkkZvksa ls dsoy ,sls iqu%chekdÙkkZvksa ds lkFk Hkkjrls ckgj vius iquchek dkjckj dks izfrLFkkfir djus dh Hkhvis{kk dh tkrh gS tks ml iwoZoÙkhZ o"kZ ls x.kuk djus okysfiNys ikap o"kZ ls vfèkd dh ml vofèk] ftlds fy,dkjckj izfrLFkkfir fd;k tkuk gS] ds fy, de ls dechñchñchñ (LVsaMMZ ,aM iqvj esa) ds jsfVax ;k fdlh vU;varjjk"Vªh; jsfVax vfHkdj.k ds lerqY; jsfVax dk mi;ksx djrsgSaA fdlh vU; iquchekdÙkkZ ds lkFk izfrLFkkiu djus ds fy,izkfèkdj.k dk vuqeksnu vko';d gSA oxZokj Lons'kh iqu%chekBgjko ds vfrfjDr vfèk'ks"k chekdÙkkZ }kjk Lora=k :i lsfdlh Hkh ,d iqu%chekdÙkkZ ds lkFk izfrLFkkfir fd, tk jgsHkkjr ls ckgj vH;fiZr dqy iqu%chek izhfe;e ds 10 izfr'krdh lhek ds vèkhu jgrs gq,] izfrLFkkfir fd;k tk ldrk gSAtgka ;g vko';d gS fd fdlh Hkh fof'k"V iqu%chekdÙkkZ dks,slh lhekvksa ds Hkhrj vufèkd 'ks;j vH;fiZr fd, tk,a ogkachekdÙkkZ blds fy, izkfèkdj.k dk fof'k"V vuqeksnu izkIr djldsxkA

bl i"BHkwfe ds lkFk] chekdÙkkZ viuk iqu%chek izksxzke izkfèkdj.kds ikl iQkby dj jgs gSaA iqu%chek izksxzke dh fudVrk lsleh{kk djus ij ;g ns[kk x;k gS fd izkbosV chekdÙkkZ {kerkdh deh ds dkj.k ckè; gSa vkSj blfy, os mPprj izfrèkkj.kdks j[kus dh dksf'k'k djrs gSa vkSj doj vfèkd gkfu ls viusvkidks lqjf{kr djrs gSaA bl izfrèkkj.k ij] chekdÙkkZ vusdrjhdksa ls pyus okyh viuh daiuh ds vfèk'ks"k fu#i.k dksnf'kZr djrs gSaA ;s chekdÙkkZ lkèkkj.k chek fuxe] jk"Vªh;iqu%chekdÙkkZvksa }kjk vk;ksftr cktkj vfèk'ks"k fu#i.k esa Hkkxysrs gSaA nwljs 'kCnksa esa] ifCyd lsDVj daifu;ka vius mPprj'kq¼ ewY; ds dkj.k mPprj 'kq¼ izfrèkkj.k dks ,d=k djus esaleFkZ gksrh gSaA ifj.kkeLo:i] muds iquchZek izksxzke mu izkbosVchekdÙkkZvksa ls fcYdqy fHkUu gksrs gSaA blds vykok] ;schekdÙkkZ vfèk'ks"k fu#i.k ds ikl vusd rjhds rc ugha gksrsgSa tc izkbosV chekdÙkkZvksa ls rqyuk dh tkrh gSA izkbosV lsDVjds chekdÙkkZ dHkh Hkh bl lajpuk dk vuqlj.k ugha djrs gSaftudh daiuh ds ikl vfèk'ks"k fu#i.k gS vkSj tks cktkjvfèk'ks"k fu#i.k esa Hkkx ysrs gSaA

ns'k esa lsDVj ds izkjaHk ls 'kq¼ izfrèkkj.k esa deh ns[kh xbZ gSAfdUrq ;g ,d laHkkfor fodkl gSA tcfd blls iwoZ laiw.kZizksxzke lkèkkj.k chek fuxe ds }kjk j[ks tkrs Fks vkSj u,chekdÙkkZvksa dh izfof"V ds lkFk rFkk jkT; ds LokfeRokèkhu:i esa varjjk"Vªh; ctkj esa izos'k djrs Fks] bl izdkj dsizR;sd chekdÙkkZ iFkd iquchZek dk;ZØe rS;kj djrs Fks vkSjiFkd vfLrRo ds #i;s esa iquchZek cktkj esa izos'k djrs FksArFkkfir izfrèkkj.k esa dqN deh gks xbZ gSA

izkbosV chekdÙkkZvksa }kjk nh xbZ tkudkjh dk fo'ys"k.k ;gnf'kZr djrk gS fd vfXu vkSj bathfu;fjax [kaMksa dk vuqikrvkSlru dsoy 17 izfr'kr gSA izhfe;e dk cgqr cM+k Hkkxj[kus okyh daifu;ksa ds lkFk eksVj] LokLF; vkSj oS;fDrdnq?kZVuk dk vuqikr muds fy, ;qfDreqDr :i ls (70 izfr'kr& 75 izfr'kr dh jsat esa) vPNh gSA izkbosV chekdÙkkZvksa dks;g izfrèkkj.k] ftlesa eksVj ugha gS] 32 izfr'kr gS vkSj eksVjdks lfEeyr djrs gq, 47-5 izfr'kr rd tk ldrk gSA

;|fi ifCyd lsDVj chekdÙkkZvksa ds vafre vkadM+s vHkh izkIrgksus gSaA blfy, izfrèkkj.k vuqikr dks eksVj dks NksM+dj]yxHkx 75 izfr'kr rd minf'kZr fd;k tkuk gSA

lkèkkj.k chek fuxe }kjk izkIr ckè;rkdkjh vH;i.kZ vkSjlkèkkj.k chekdÙkkZvksa }kjk oxZokj izfrèkkj.k ds C;kSjs lkj.kh 37esa fn, x, gSaA


3rd

jh

196

lkj.kh - 37

thvkbZlh }kjk ckádkjh vH;iZ.k

vf/dre iqu%chek ykHk esa nykyhoxZ % nkf;Ro nykyh vkjf{kfr;ka

izfr tksf[ke ?kV kdj iwy ?kV kdj iwy

vfXu 20% 50 djksM+ #i, 30% 'kwU; 'kwU; 'kwU;ih,e,y

leqnzh 20% 10 djksM+ #i, 22.50% 'kwU; 'kwU; 'kwU;LFkksjk ,l vkbZ

;q¼@,lvkjlhlh 20% dksbZ lhek ugha 10% 'kwU; 'kwU; 'kwU;

,lvkjlhlh 20% dksbZ lhek ugha 10% 'kwU; 'kwU; 'kwU;

ykHk nykyh 3 fuEukadu20%@ ds iwoZorZhZ o"kks±

leqnzh isVk 20% 16 djksM+ #i, 17.5% 17.5% dkuwuh iksVZiQksfy;ks ds fy, 'kwU;,l vkbZ ds dqy 3 o"kZ esa

ifj.kke ij nh xbZ

eksVj MCY;w lh 20% dksbZ lhek ugha 25% 'kwU; ykxww gksaxs 'kwU; 'kwU;

foekeu isVk 20% dksbZ lhek ugha 10% 'kwU; 'kwU; 'kwU;

foekuu 20% dksbZ lhek ugha 15% 'kwU; 'kwU; 'kwU;nkf;Ro

rsy vkSj ÅtkZ 20% 2 djksM+ #i, 2.5% 'kwU; 'kwU; 'kwU;

nkf;Ro(yksd nkf;Ro 20% dksbZ lhek ugha 25% 'kwU; 'kwU; 'kwU;vkSj mRiknnkf;Ro)

vU; izdh.kZ 20% dksbZ lhek ugha 25% 'kwU; 'kwU; 'kwU;

,ech@chbZ@,yvksih 20% 15 djksM+ #i, 25% 'kwU; 'kwU; 'kwU; ih,e,y ;k 45

djksM+ #i, ,l vkbZ

dkj@b;j 20% 30 djksM+ #i, 25% 'kwU; 'kwU; 'kwU; 'kwU;

,,yvksih@Mh,l;w ih,e,y ;k90 djksM+ #i, ,lvkbZ

xSj ekud nkf;Ro doj tSls- mRikn izR;kàu }- Mh ,aM vks } ekeyk nj ekeyk vk/kj ij 20%- bZ ,aM vks } 2 ls 5 djksM+ #i, dh vf/dre ckè;dj vH;iZ.k lhek- ofÙkd {kfriwfrZ }- rqyukRed lk/kj.k nkf;Ro }- vU; nkf;Ro }


3rd

jh

198

Hkkjrh; cktkj & vkradokn iwy

vkxkeh 11 flracj dks fo'o O;kikj dsUnz] ;w-,l-,- ij geykgqvk vkSj Hkkjrh; chekdÙkkZvksa dks ,d >Vds ls NksM+ fn;kx;k Fkk ftlls dksbZ Hkh iquchZekdÙkkZ vkradokn doj ds fy,iquchZek leFkZu dks foLrkfjr djus dk bPNqd ugha gqvkAHkkjrh; chekdÙkkZvksa ds Åij bldk izHkko ;g gqvk Fkk fd osmlds chek xzkgdksa ds fy, vkardokn doj esa voufr dksde dj ldsaA izkfèkdj.k us vHkwriwoZ ifjfLFkfr;ksa dks è;ku esaj[krs gq, bl vlkèkkj.k ?kVuk dk lekèkku djus ds rkSjrjhdksa ij lgefr cukus dh n`f"V ls] m|ksx esa lHkh i.kèkkfj;ksads lkFk fopkj&foeZ'k fd;kA ml le; rc ;g fofu'p;fd;k x;k fd lHkh chekÑr dks vkradokn doj iznku djusds fy, lkèkkj.k chek fuxe dh ns[k&js[k esa ,d iFkd~ iwyxfBr fd;k tk,A

vkradokn doj ds varxZr iwy }kjk lans; vfèkdre gkfu izfrtksf[ke 200 djksM+ #i;s gSA ^izfr tksf[ke** in Vh-,-lh- }kjk;FkkifjHkkf"kr gSA lnL; chek daifu;ksa dk ,d nwljs ds lkFkgLrk{kfjr djkj ds vuqlkj iwy ds gkfu izfrèkkj.k esa fgLlkgksrk gSA iwy dks 200 djksM+ ds vkèkkj ij nks LRkjksa esa dojvfèkd gkfu }kjk lajf{kr fd;k tkrk gS tks fuEukuqlkj gSa%

Lrj 1 % fdlh Hkh ,d ?kVuk ds fy, 100 djksM+ #i,ls vfèkd 100 djksM+ #i,]

Lrj 2 % fdlh Hkh ,d ?kVuk ds fy, 200 djksM+ #i,ls vfèkd 200 djksM+ #i,A

o"kZ 2002&03 ds fy,] vfèkd gkfu laj{k.k dh ykxr dksO;fDrd lnL; daifu;ksa ds va'k ij vkèkkfjr ekax ysus okyksads chp vkcafVr fd;k x;k FkkA rFkkfi] foÙkh; o"kZ 2003&04ds fy,] iwy dh fufèk dk mDr ykxr dh iwfrZ ds fy,mi;ksx fd;k x;kA

cgqfoèk chek ds lacksfèkr ekeyksa esa vkSj tgka vfXu vkSjbathfu;fjax chek doj nksuksa tkjh fd, tkrs gSa ogka VSfjiQlykgdkj lfefr dks vfXu vkSj bathfu;fjax chekvksa dsvarxZr dqy gkfu;ksa ij ykxw fd, tkus okys izfr voLFkku dh200 djksM+ #i, dh gkfu dks iwjk djus ds fy, dgk tkrkFkkA 200 djksM+ (VSfjiQ }kjk ;Fkk micafèkr) ls vfèkd chek

doj pkgus okyk fdlh Hkh chekdÙkkZ dks iwy izcaèkd dhlwpuk nsrs gq, iquchZekdÙkkZvksa ls ,slk djus dk fucaèku izkIrdjus dh Lora=krk gksrh gSA

foÙkh; o"kZ 2003&04 ds nkSjku] vkradokn iwy lacaèkh lkèkkj.kchek fuxe] iwy izcaèkd us vizSy] 2003 ls izHkkoh iwy dsfy, iquchZek laj{k.k dh O;oLFkk dhA uohdj.k dks fo|ekulhekvksa ds fy, vafre ykxr ij izHkkoh fd;k x;k gSAchekÑr jkf'k dks è;ku esa yk, fcuk] izfr tksf[ke vkèkkj ijiwy }kjk lans; vfèkdre jde 200 djksM+ #i, gSA

mlh voLFkku (ifjlj) ds Hkhrj cgqfoèk tksf[ke dh n'kk esa]fdlh Hkh ,d ?kVuk ds fy, iwy }kjk lans; vfèkdre gkfumlh ifjlj ds Hkhrj lHkh tksf[keksa ds fy, 200 djksM+ #i,gSA blds vfrfjDr] lkèkkj.k chek fuxe us 200 djksM+ lsvfèkd 300 djksM+ #i, dh lhek esa vkradokn tksf[ke dsfy, izkfèkdkj lqfoèkk dh O;oLFkk dh gSA

iquchZek lykgdkj lfefr%

izkfèkdj.k }kjk] chek vfèkfu;e] 1938 dh èkkjk 101[k dsvèkhu dsUnzh; ljdkj ds iwoZ vuqeksnu ls xfBr iquchZeklykgdkj lfefr] iquchZek djus] ftlesa iquchZekdÙkkZ dksfoÙkh; o"kZ ds izkjaHk ls 45 fnuksa ds Hkhrj vius iquchZek izksxzkedks iQkby djuk Hkh lfEefyr gS_ chekdÙkkZ dh mudhvius&vius 'kq¼ ewY; ls laxr vfèkre izfrèkkj.k dks fn[kkus_jk"Vªh; iquchZekdÙkkZvksa }kjk izLrkfor voljksa dks izkIr djus;fn ;g varjjk"Vªh; njksa ds vPNs fucaèkuksa ds vuqlkj feyrkgS ;k izLrkfor gS_ ,d&nwljs ds lkFk iquchZek djus_ fons'kheqnzk ds cfgZxe dks de djus ds ckjs esa iquchZek ds fy,loksZÙke fucaèku vfHkizkIr djus vkSj rqjar izys[khdj.k vkxkehizfrLFkkiu lqfuf'pr djus rFkk fofgr iz:i ds vuqlkj izkfèkdj.kds ikl iquchZek ls lacafèkr lka[;dh; tkudkjh nsuk HkhlfEefyr gS] ls lacafèkr eqíksa ij fopkj&foe'kZ djus ds fy,fujarj cSBd djrh gSA iquchZek lykgdkj lfefr ds fofu'p;ds vuqlkj] izkfèkdj.k vfXu] bathfu;fjax vkSj ÅtkZ dkjckjdh lhekvksa ds vèkhu jgrs gq,] 20 izfr'kr rd lkèkkj.k chekdkjckj djus okys chekdÙkkZvksa }kjk vfuok;Z vè;iZ.k dhvis{kk djrh gSA ifCyd vkSj mRikn nkf;Ro dh ckcr vè;iZ.kfcuk fdlh lhek ds dksVk va'k ds vkèkkj ij 20 izfr'kr rdHkh minf'kZr fd, x, gSaA [kkrs dks cuk, j[kus vkSj mlds


3rd

jh

200

lkj.kh - 38

izkfèkdj.k }kjk fofufnZ"V fofuèkkuksa dk iSVuZ & thou chek

Øe lañ fofuèkku dk izdkj izfr'krrk

i) ljdkjh izfrHkwfr;ka 25%

ii) ljdkjh izfrHkwfr;ka ;k vU; vuqeksfnr izfrHkwfr;ka (ftlesa Åij (i) Hkh gS) 50% ls vU;wu

iii) vuqlwp h 1 esa ;Fkk fofufnZ"V vuqeksfnr fofuèkku

(d) volajpuk vkSj lkekftd {ks=k 15% ls vU;wu

([k) vfHknf'kZr lafu;eksa }kjk 'kkflr fd, tkus okys vU; (vuqeksfnr fofuèkkuksa 35% ls vufèkdls fHkUu esa fofuèkku fufèk dk 15% ls vfèkd dh n'kk esa ugha)

ifjfuèkkZj.k ds fy, izfØ;k vfèkdfFkr djus ds vfrfjDr]dkjckj ds izR;sd oxZ ds fy, deh'ku vkSj ykHk deh'ku dksHkh fofufnZ"V fd;k x;k gSA bl le; iquchZek lykgdkjlfefr esa fuEufyf[kr lnL; gSa%&

(d) lhñ,uñ,lñ 'kkL=kh] HkwriwoZ izcaèk funs'kd] Hkkjrh;lkèkkj.k chek fuxe vkSj cSad fuxkjk] eysf'k;k dsHkwriwoZ lykgdkj_

([k) ,ñlhñ eq[kthZ] HkwriwoZ] eq[; izcaèk funs'kd] U;w bafM;k,';ksjsal daiuh] fnYyh_

(x) ihñlhñ ?kks"k] vè;{k] lkèkkj.k chek fuxe_ vkSj

(?k) ,lñohñ eksuh lhbZ;ks] ,lñ,eñihñ luekj vkSj HkwriwoZvè;{k] lkèkkj.k chek fuxeA

Jh ,uñdsñ fladj] HkwriwoZ vè;{k] Hkkjrh; thou chek fuxelfefr dh cSBdksa esa fo'ks"k vkeaf=krh gksrs gSaA

(iv) chekdÙkkZvksa ds fofuèkku dh ekuhVfjax

,slh fufèk] tks bls vkdf"Zkr djrh gS] ds cM+s cktkj ds dkj.k

chek {ks=k blds fodkl esa ,d fu.kkZ;d Hkwfedk vnk djrk

gSA bu fufèk;ksa dh ,slh jhfr ls fofuèkku fd, tkus dh

vko';drk gS tks vuqdwy vkfLr nkf;Ro dks lqfuf'pr dj

lds vkSj vius ikfylhèkkjdksa dh viuh ckè;rkvksa dks iwjk

djus ds fy, chekdÙkkZvksa dks] tSls gh nkok ckè;rk,a mRiUu

gksrh gSa] rS;kj dj ldsA okLro esa] flDds dk nwljk igyw ;g

gS fd chekdÙkkZ vFkZO;oLFkk esa èku lftr djus esa Hkwfedk

vnk djrk gSA izkfèkdj.k }kjk cuk, x, fofu;eksa esa thou

vkSj xSj&thou chek daifu;ksa }kjk fofuèkku ds fy, ekxZn'kZu

fl¼kar vfèkdfFkr gSa ftlesa vfHknf'kZr lafu;[email protected]

ekxZn'kZd fl¼kar lfEefyr gSaA izkfèkdj.k }kjk vfèkdfFkr

vis{kk,a fof'k"Vr;k] volajpuk vkSj lkekftd {ks=k dks è;ku

esa j[kdj] jk"VªfuekZ.k ds lkekftd] vkfFkZd mís';ksa dks iwjk

djus ds lkFk feydj chekdÙkkZvksa dh lqj{kk vkSj izR;kxe ds

nksgjs mís';ksa dh vksj b'kkjk djrh gSaA


3rd

jh

202

lkj.kh - 39

izkfèkdj.k }kjk fofufnZ"V fofuèkkuksa dk iSVuZ & isa'ku vkSj lkèkkj.k okf"kZdh


i) ljdkjh izfrHkwfr;ka tks vU;wu gSa 20%

ii) ljdkjh izfrHkwfr;ka ;k vU; vuqeksfnr izfrHkwfr;ka 40%

ftlesa Åij (i) lfEefyr gSa] tks mlls vU;wu gSa

iii) vuqeksfnr fofuèkkuksa esa fofuèkku fd;k tkus okyk 60% ls vufèkd;k vfHknf'[email protected] lafu;e }kjk 'kkfLr fd;k tkus okyk vfr'ks"k

lkj.kh - 40

izkfèkdj.k }kjk fofufnZ"V fofuèkkuksa dk iSVuZ & la;ksftr thou chek dkjckj


i) vuqeksfnr fofuèkku 75% ls vU;wu

ii) vuqeksfnr fofuèkkuksa ls fHkUu 25% ls vufèkd

lkj.kh - 41

izkfèkdj.k }kjk fofufnZ"V fofuèkkuksa dk iSVuZ & lkèkkj.k chek vkSj iquchZek


i) dsUnzh; ljdkj dh izfrHkwfr;ka tks blls vU;wu gSa 20%

ii) jkT; ljdkj dh izfrHkwfr;ka vkSj vU; xkjaVhdr izfrHkwfr;ka] ftlesa Åij (i) Hkh 30%

lfEefyr gSa] tks blls vU;wu gSa

iii) xg vkSj vfXu'kked midj.kksa ds fy, jkT; ljdkj dks xg vkSj ½.k] tks blls vU;wu gSa 5%

iv) vuqeksfnr izfrHkwfr;ksa esa fofuèkku(d) volajpuk vkSj lkekftd {ks=k 10% ls vU;wu

([k) vfHknf'kZr lafu;eksa }kjk 'kkflr vU;@rFkkfi ^^vuqeksfnr fofuèkkuksa ls fHkUu** 55% ls vufèkd esa fofuèkku fdlh Hkh n'kk esa] vkfLr;ksa ds 25% ls vfèkd ugha gksxk

isa'ku vkSj lkèkkj.k okf"kZdh dkjckj dh n'kk esa] izR;sd

chekdÙkkZ fuEufyf[kr jhfr ls bu [kaMksa ds vèkhu fofuèkku

djsxk vkSj gj le; viuh iFkd~ fufèk;ksa dk fofuèkku

djsxk%

;wfuV thou chek dkjckj dh n'kk es a] izR;sd chekdÙkkZfofuèkku djsxk vkSj ikfylhèkkjdks a }kjk izLrkfor vkSjvuqeksfnr fofuèkku ds iSVuZ ds vuqlkj] ;wfuV thouchek dkjckj dh viuh iFkd fufèk esa gj le; fofuèkkudjsxkA ;wfuV ikfyfl;ka dsoy ogka izLrkfor dh tk

ldsaxh tgka ;wfuVs a ,slh vkfLr;ks a ds izoxks± ds lkFktqM+h gksrh gS a tks cktkj ;ksX; vkSj vklkuh ls olwyuh;gks aA rFkkfi] fofu;eks a ds vuqeksfnr izoxZ ls fHkUu dqyfofuèkku fdlh Hkh le; fufèk ds 25 ls vfèkd ughagks axs (lkj.kh 40 ns[ks a)

tgka rd lkèkkj.k chek ;k iquchZek dkjckj dk lacaèk gS] izR;sd chekdÙkkZ uhps nf'kZr jhfr ls fofuèkku djsxk vkSj gj le; viuh

dqy vkfLr;ksa dk fofuèkku djsxk%µ


3rd

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izkfèkdj.k us chek daifu;ksa }kjk vuqlfjr fd, tkus okysfofuèkku iSVuks± dks vkKkid cuk;k gSA ljdkjh izfrHkwfr;ksa]vuqeksfnr izfrHkwfr;ksa_ vuqeksfnr fofuèkkuksa vkSj volajpukrFkk lkekftd {ks=k esa fofuèkkuksa dks chek vfèkfu;e] 1938vkSj mlds vèkhu cuk, x, fofu;eksa esa fofgr fd;k x;k gSAizkfèkdj.k us ;g Hkh fofufnZ"V fd;k gS fd thou chek dkdkjckj djus okyk izR;sd chekdÙkkZ fuEufyf[kr jhfr lsfofuèkku djsxk vkSj gj le; viuh fu;af=kr fufèk isa'ku vkSjlkèkkj.k okf"kZdh dkjckj vkSj ;wfuV thou chek dkjckj lslacafèkr fufèk;ksa ls feydj dks fofuèkku fd, j[ksxkA

izkfèkdj.k us] le;≤ ij] chekdÙkkZvks a ds fy,Li"Vhdkjd@ekxZn'kZd fl¼kar fVIi.k Hkh tkjh fd, gSaA bllacaèk esa o"kZ ds nkSjku lHkh chekdÙkkZvksa dks lykg nh xbZ Fkhfd os frekgh vkèkkj ij fofuèkku fooj.kh ds lkFk&lkFkfofgr iz:i ds vuqlkj vuqikyu izek.ki=k iQkby djsaAchekdÙkkZvksa ls] vfHkj{kd iqf"V djus okys èkkfjr izfrHkwfr;ksads ewY; dh] izek.ki=k ds lkFk&lkFk] izR;sd foÙkh; o"kZ dsvar esa mDr izek.ki=k izLrqr djus dh vis{kk dh tkrh gS vkSjtks ;g izekf.kr djrk gks fd og foyaxeksa] izHkkj vkSjvk.keku vkSj èkkj.kkfèkdkj ls eqDr gSaA chekdÙkkZvksa dks ;gHkh lykg nh tkrh gS fd os frekgh vkèkkj ij ifjiDork ijvkofèkd vk; vkSj@;k ewy dh izkfIr esa O;frØe dh fof'kf"V;kavkSj ml ij cuk, x,@cuk, tkus ds fy, izLrkfor fof'kf"V;ksadks izLrqr djsaA

izkfèkdj.k us foÙkh; o"kZ 2002&03 ds nkSjku ikjLifjd fufèkesa fofuèkku ds fy, Hkh ekxZn'kZd fl¼kar vfèkdfFkr fd, gSaAbu fofuèkkuksa dks vLFkk;h ikfd±x ra=k ds :i esa vuqeksfnrizoxZ ls fHkUu ds vèkhu fd, tkus dh vko';drk gksrh gSAizkfèkdj.k us ,sls fofuèkkuksa ds fy, vfHknf'kZr lafu;e vfèkdfFkrfd, gSa vkSj mlds ikjLifjd fufèk fofuèkkuksa ds ewY;kadu dsfy, lafu;eksa dk micaèk fd;k gSA frekgh vkèkkj ij chekdÙkkZvksa}kjk fd, x, fofuèkkuksa ds dk;ks± vkSj foØ; ds chp esy&feykiLFkkfir djus ds ,d mik; ds :i esa] chekdÙkkZvksa dks ;glykg nh xbZ gS fd os frekgh vkèkkj ij] Ø; vkSj foØ; ij,d lqyg fooj.k iQkby djsaA chekdÙkkZvksa dks bu fooj.kksadks rS;kj djus ds fy, funs'k Hkh tkjh fd, x, gSaA

rF; ;g fn;k tkrk gS fd fofuèkku chek daifu;ksa ds dk;Zfu"iknu dks izHkkfor djrs gSa vkSj D;ksafd ;g ,d izpkyu dklfØ; {ks=k gS blfy, izkfèkdj.k frekgh vkèkkj ij chekdÙkkZvksa}kjk nh xbZ tkudkjh dh fo'kq¼rk ds laca/ eas egRoiw.kZ LFkkuj[krk gSA ,d fodflr fofuèkku ifjizs{; fu;fer vkèkkj ij

fofu;eksa ds iqufoZyksdu dh Hkh xqatkb'k j[krk gSA bl lanHkZesa ;g mYys[kuh; gksxk fd fofuèkku fofu;eksa esa fiNys rhuo"kks± esa vfèkdrj la'kksèku fd, x, gSaA

izkfèkdj.k us] NwV nsus dh viuh 'kfDr;ksa dk iz;ksx djrsle;] ekeys ds vkèkkj ij izR;sd ekeys ds xq.kkoxq.kksa ijfopkj djds chekdÙkkZvksa dh lhfer izLrkfor NwV dks foLrkfjrfd;k gS vkSj chek vfèkfu;e vkSj blds vèkhu cuk, x,fofuèkku fofu;eksa ds dqN micaèkksa ij fof'k"V lykg nh gSA;g NwV chek vfèkfu;e] 1938 dh èkkjk 27d(3) vkSj (4)ds vèkhu vkSj vkS|ksfxd lsDVj vukofÙk lafu;e rFkk fofuèkkuhdaiuh vukofÙk lafu;eksa ds vèkhu nh xbZ gSA izkfèkdj.k usthou vkSj lkèkkj.k chekdÙkkZvksa ds fy, vuqeksfnr fofuèkkuksadh lwph dks foLrkfjr djus ds fy, bu 'kfDr;ksa dk iz;ksxfd;k gSA

thou vkSj lkèkkj.k chekdÙkkZvksa }kjk izLrqr foojf.k;ksa dsfo'ys"k.k ls ;g iznf'kZr gksrk gS fd os izkfèkdj.k }kjk ;FkkvfèkdfFkr fofuèkku fofu;eksa dk O;kid :i ls ikyu djjgs gSaA O;f"Vd ekeyksa eas] chekdÙkkZ ls Li"Vhdj.k ekaxs x,Ablds vfrfjDr] dqN ekeyksa esa] chekdÙkkZvksa dks ,sls fofuèkkuds fy, i;kZIr lalk/uksa dh deh ds dkj.k lkekftd lsDVjfofuèkkuksa esa vuqikyu djus esa dfBu ik;k x;k FkkA rFkkfi]bu dfe;ksa dks volajpuk izoxZ ds varxZr fofuèkku djds nwjfd;k x;kA

izkfèkdj.k chekdÙkkZ ds fuiVku ij fufèk;ksa ds foosdiw.kZfofuèkku ij ,d fu.kkZ;d ncko Mkyrk gS tks chekdÙkkZvksa dsfy, vfèkdfFkr C;kSjsokj fofu;eksa dks vPNh rjg ls ifjofrZrdjrk gS] fofuèkku fofu'p; ds ifj.kkeLo:i] chekdÙkkZvksals ;g Hkh vis{kk dh tkrh gS fd os fujarj viuk iksVZiQksfy;ksekuhVj djsa vkSj iksVZiQksfy;ks esa O;f"Vd fofuèkku esa fdlhfoÑfr ds fy, i;kZIr micaèk djsaA chekdÙkkZvksa ds fofuèkkufofu'p; dks ekuhVj djus dh n`f"V ls] fofu;eksa ds vuqikyu]fufèk;ksa ds foosdiw.kZ fofuèkku vkSj fu;fer vkèkkj ij i;kZIrdjus ds ckjs esa] izkfèkdj.k us vkofèkd vkèkkj ij fofuèkkulaijh{kk ds fy, mik; fd, gSaA izkfèkdj.k }kjk cuk, x,iSuy dh pkVZM vdkmaVsaVksa }kjk laijh{kk dh tkrh gS ftlesafujh{k.k&ny ds Hkkx ds :i esa izkfèkdj.k dk ,d rduhdhvfèkdkjh gksrk gSA

gky gh esa] pkyw foÙkh; o"kZ 2003&04 esa] izkfèkdj.k usfofuèkku lacaèkh fo|eku fofu;eksa dk iqufoZyksdu vkSj muesala'kksèku Hkh fd;k gSA ;s la'kksèku ,sls ifjorZuksa ds dkj.k djusvko';d Fks tks ns'k esa fofuèkku ifjizs{; esa vk,A ;|fi C;kt


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lkj.kh - 42

daiuh&okj fuos'k ds C;kSjs & lk/kj.k chek31 ekp Z] 2003 dks lekIr gq, o"kZ ds fy, fuos'k ds C;kSjs

(djksM+ # esa)

fuos'kmn~Hkklulafu;eksa

ds v/hu gSa(blds varxZrvuqeksfnrfuos'k ls

fHkUu Hkh gSa)

1. th-vkbZ-lh 2200.91 2699.62 688.94 686.80 0.00 4388.51 964.78 8463.87

2. U;w bafM;k 1966.96 2539.72 421.11 446.92 0.00 3955.21 1268.90 7362.96

3. us'kuy ba';ksjsUl 1210.88 1573.95 212.50 270.02 0.00 1622.06 380.49 3678.52

4. ;wukbfVM bafM;k 1616.90 2168.95 371.14 713.40 0.00 2110.60 624.55 5364.09

5. vksfj;aVy ba';ksjsUl 981.71 1345.81 279.40 436.23 0.00 1898.34 331.39 3959.78

6. fjyk;al tujy 105.44 105.44 12.06 20.33 0.00 43.67 18.02 181.50

7. jkW;y lqUnje 67.75 74.55 19.80 21.66 0.00 54.86 0.00 170.87

8. biQdks&Vksfd;ks 71.86 71.86 12.46 26.73 0.00 88.71 25.75 199.75

9. VkVk&,vkbZth tujy 113.67 113.67 15.92 30.18 0.00 70.22 40.53 229.99

10. ctkt ,yk,at 102.51 107.51 24.39 34.56 0.00 128.35 38.69 294.81

11. vkbZlhvkbZlhvkbZ ykseckMZ 0.00 94.60 18.56 29.39 0.00 75.26 23.34 217.81

12. lh,p,u,pih ,lksfl,'ku 2.28 2.28 0.60 1.15 0.00 6.45 2.20 10.49

13. pksykeaMye 81.82 81.82 5.06 11.40 0.00 10.60 5.49 108.88

14. ,pMh,iQlh&pc 69.80 69.80 5.27 10.45 0.00 5.46 -0.34 90.98

;ksx ({ks=k&okj) 8592.49 11049.58 2087.20 2739.21 0.00 14458.30 3723.80 30334.30

31 ekp Z] 2002 dks ;Fkkfo|ekuifCyd lSDVj 6630.86 8649.28 1833.49 5023.82 0.00 7157.51 2834.73 22664.10

futh {ks=k 277.06 353.28 59.48 122.11 0.00 201.46 137.37 736.33

ldy ;ksx 6907.92 9002.56 1892.97 5145.93 0.00 7358.97 2972.10 23400.43

Øñla chekdÙkkZ

lk/kj.k{ks=k

{ks=k vkSj vU;vuqeksfnrlk/kj.k

x`gfuekZ.k

volajpuk lkekftd{ks=k

vuqeksfnrfuos'kls fHkUulafuos'k

dqy fuos'k(daiuh&okj)

31-3-2003 dks {ks=kokj fuos'k & thou chekdrkZ(djksM+ #i, esa)

dsUnzh; ljdkj dh izfrHkwfr;kajkT; ljdkj dhvkSj vU; vuqeksfnr izfrHkwfr;ka

gkmflax vkSj ,iQ,iQbZ

bUiQz k

lkekftd

vuqeksfnr fuos'k

vuqeksfnr ls fHkUufuos'k

us'kuyU;w bafM;kvksfj;UVy;wukbfVM

jkW;y lqUnjefjyk;albiQdks&Vksfd;ksVkVk&,vkbZth

ctkt ,yk;alvkbZlhvkbZlhvkbZ&yksEckMZCHNHB Ass

pksykeaMye

,pMh,iQlh&pCcGIC

31-3-2003 dks dqy fuos'k & lk/kj.k chekdrkZ(djksM+ #i, esa)


3rd

jh

208

lkj.kh - 43

daiuh&okj fuos'k ds C;kSjs & thou chek31 ekp Z] 2003 dks lekIr gq, o"kZ ds fy, fuos'k ds C;kSjs

(djksM+ #- esa)

fuos'kmn~Hkklulafu;eksalafuos'k

(blds varxZrvuqeksfnrfuos'k ls

fHkUu Hkh gSa)

1. ,y-vkbZ-lh- 138770.31 167513.04 0.00 30998.16 0.00 60221.02 1119.38 258732.22

2. ,pMh,iQlh LVs&ykbiQ 169.89 169.89 0.00 39.20 0.00 45.98 9.11 255.07

3. esDl U;w ;kdZ 38.01 104.10 0.00 27.12 0.00 20.83 5.00 152.05

4. vkbZlhvkbZlhvkbZ izw&ykbiQ 286.76 286.76 0.00 63.56 0.00 318.38 41.37 668.70

5. fcjyk lu ykbiQ 51.12 70.17 0.00 15.14 0.00 89.95 2.98 175.26

6. VkVk&,vkbZth ykbiQ 103.60 103.60 0.00 24.93 0.00 26.51 4.39 155.04

7. vkse dksVd ykbiQ 79.79 79.79 0.00 26.49 0.00 37.57 18.25 143.85

8. ,lchvkbZ ykbiQ 122.99 122.99 0.00 31.29 0.00 47.34 17.96 201.62

9. ,yk,at ctkt ykbiQ 100.14 105.14 0.00 37.68 0.00 48.41 -0.38 191.23

10. esVykbiQ 57.17 57.17 0.00 15.18 0.00 18.06 7.54 90.41

11. ,,eih laekj 65.69 65.69 0.00 18.80 0.00 10.02 0.00 94.51

12. vkbZ,uth oS'; 53.80 58.80 0.00 15.25 0.00 24.00 0.00 98.05

13. vohok ykbiQ 66.55 66.55 0.00 23.08 0.00 36.43 3.51 126.06

;ksx ({ks=k&okj) 139965.81 168803.67 0.00 31335.89 0.00 60944.50 1229.12 261084.06

ekp Z 2002 dksifCyd lsDVj 128,139.04 131,400.71 20,498.72 77,046.29 16,442.00 228,945.72

futh {ks=k 674.06 776.77 242.15 404.09 79.65 1423.01

dqy ;ksx 128,813.10 132,177.48 20,740.87 77,450.38 16,521.65 230,368.73

Øñla chekdÙkkZ

lk/kj.k{ks=k

x`gfuekZ.k

volajpuk dqy fuos'k(daiuh&okj)

{ks=k vkSj vU;vuqeksfnrlk/kj.k

lkekftd{ks=k

vuqeksfnrfuos'kls fHkUulafuos'k

13 99 65 .8 1

28 83 7.86

31 33 5.89

60 94 4.512 29 .12

0

ljdkjh izfrHk wfr;ka bUiQz klkekftd

vuqek sfnr fuos'kvuqek sfnr ls fHkUu fuos'kjkT; ljdkj dh vkSj vU;

vuqek sfnr izfrHk wfr;ka

31-3-2003 dks dqy fuos'k & thou chekdrkZ(djksM+ #i, esa)

,yvkbZlhvkbZ,uth&oS';,pMh,iQlh&LVsaMMZ ykbiQfcjyk lu ykbiQvkbZlhvkbZlhvkbZ& izq,lchvkbZ & ykbiQvkse dksVdesVykbiQ,yk;at+ ctktesDl U;w;kdZVkVk&,vkbZth,,eih luekjvohok


3rd

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210

njksa ds vfofu;eu us foÙkh; cktkj izpkyu dks n{k vkSjykxr izHkkoh cukus esa lgk;rk dh Fkh vkSj bls chek daifu;ksads fy, tksf[ke dh O;kid O;wg jpuk ds ifj.kkeLo:icktkj dh vfLFkjrk ij fopkj djds de fd;k x;kA butksf[keksa dks O;ofLFkr vkSj fu;af=kr djus ds fy, O;qRiUuhtSlh i;kZIr foÙkh; fy[krksa dh vko';drk eglwl gqbZA

vkSj] ?kksf"kr èku cktkj ls xSj&cSaddkjh ;wfuVksa dks ckgj djusvkSj vdkfyd lekiu] lekfIr vkSj vkbZ-bZ-ih-vks- izfrHkwfr;ksavkfn ds mi;ksx ds lacaèk esa dfri; fuc±èkuksa ds vfèkjksi.k dsfy, Hkkjrh; fjtoZ cSad ds fofu'p; ds ifj.kkeLo:i] vkj-bZ-ih-vks- cktkj dk fodkl izHkkfor gks x;k FkkA bu fuc±èkuksadks è;ku esa j[krs gq,] Hkkjr lek'kksèku fuxe fyñ us vfèk'ks"kfufèk ds fodkl ds fy, ^^lkekUrj mèkkj vkSj mèkkjnkrkckè;rk** fodflr dh gSA Hkkjr lek'kksèku fuxe ,d eapiznku djrk gS ftlds ekè;e ls ml cktkj ds HkkxhnkjlkekUrj mèkkj vkSj mèkkjnkrk ckè;rkvksa ds vknku&iznku }kjkmèkkj ys ldrs gSa vkSj mèkkj ns ldrs gSaA tSlk fd mRikn dksljdkjh izfrHkwfr;ksa }kjk lkekUrj fd;k tkrk gS blfy, izkfèkdj.k^^vuqeksfnr fofuèkku** ds Hkkx ds :i esa bl fy[kr dksvkjaHk djus dh vfèklwpuk tkjh dj jgk gSA

tSlk fd fofu;e tks bl le; fo|eku gS] ,sls laiw.kZ izoxks±dks fofgr ugha djrs gSa ftuesa O;f"Vd fofuèkku dks lewfgrfd;k tk ldsxk] ;gka fofuèkku dks oxhZÑr djus okyh dksbZlekurk ugha FkhA ;g foÑfr] izkfèkdj.k dks fjiksVZ fd, x,fofuèkuksa dh lgh fLFkfr gSA blfy,] vfèkfu;e dh vis{kkvksads i;kZIr vuqikyu dks lqfuf'pr djus ds fy, ^^fofuèkkuksads izoxZ** ds vèkhu laiw.kZ lwph rS;kj dh xbZ gSA bl lacaèk esa]fjiksfV±x iz:i dks Hkh mikarfjr fd;k x;k gS vkSj vfrfjDrfoojf.k;ka vkjaHk dh xbZ gSaA bu fofu;eksa dh vfèklwpuk tkjhdh tkuh gSA

lkj.kh 42 vkSj lkj.kh 43 esa 31 ekpZ] 2003 ds vuqlkjØe'k% thou vkSj lkèkkj.k chekdÙkkZvksa ds fofuèkkuksa dsdaiuh&okj C;kSjs fn, x, gSaA

fofuèkku lkj.kh 43 vkSj 441- thou chekdÙkkZ2- xSj&thou chekdÙkkZ

(v) LokLF; chekLokLF; chek dkjckj ;k LokLF; doj vuqcaèkksa dks izHkkfor

djrs gSa tks chekjh iQk;nksa ;k fpfdRlk] 'kY; fpfdRlk] ;k

vLirky O;; iQk;ns ds fy, micaèk djrs gSa pkgs os var%jksxh

;k ckg~;jksxh] {kfriwfrZ ij izfriwfrZ] lsok] iwoZlanÙk] vLirky;k vU; js[kkadu vkèkkfjr gksa] ftlesa chek iQk;ns vkSj nh?kZdkfydns[k&js[k lfEefyr gSA lgh rF; ;g gS fd izkfèkdj.k LokLF;lsokvksa ds micaèk ij egRoiw.kZ LFkku j[krk gS tks muvkosndksa dks jftLVªhdj.k izek.ki=k nsus ds fy, dh tkus okyhvfèkekurk dks izHkkfor djrk gS tks O;f"Vd ;k O;f"Vd lewgksads fy, LokLF; doj iznku djus ds dkjckj dks djus ds fy,izLrkfor gSaAHkkjr] LokLF; ns[k&js[k ds fy, th-Mh-ih- dk 5-2 izfr'krO;; mixr djrk gSA fofHkUu LokLF; chek Ldheksa ds vèkhutula[;k dk dojst 15 izfr'kr rd dh lhek rd lhfer gSftlds varxZr os Hkh lfEefyr gSa tks deZpkjh jkT; chekLdhe (3-4 yk[k iQk;nkxzkgh)] dsUnzh; ljdkj LokLF; Ldhe(40 yk[k iQk;nkxzkgh) vkSj jsyos LokLF; Ldhe (12 yk[kiQk;nkxzkgh) ds varxZr doj gSaA xSj&thou chek daifu;ksa }kjkmicafèkr LokLF; doj ds vfrfjDr] jkbMjksa ds ekè;e lsikfylhèkkjdksa dks LokLF; doj iznku djus ds fy, thouchekdÙkkZvksa }kjk 'kq#vkr dh xbZ gSA ;g dguk O;FkZ gS fdLokLF; chek cgqr cM+h tula[;k ds LokLF; lqfoèkk dsiQk;ns esa of¼ djsxk ftlds }kjk thou dh DokfyVh ij HkhizHkko iM+rk gSAtcfd ns'k ds yksxksa ds fy, LokLF; chek blds izkjaHk ls yacsle; ls izpyu esa gS vHkh Hkh ,slh vf/drj tula[;k gSftldk LokLF; chek fd;k tkuk gSA 1986 esa pkj lkèkkj.kchek daifu;ksa }kjk esfMDyse ikfylh ds izkjaHk ij] bu chekdÙkkZvksaus Ldhe ds izpkyu ds igys o"kZ esa 25 djksM+ #i, dk lafprizhfe;e ,df=kr fd;k FkkA o"kZ 2002&03 ds uohure laijhf{krdkjckj vkadM+s ;g nf'kZr djrs gSa fd LokLF; chek [kaM1000 djksM+ #i, ds vad dks ikj dj x;k gSA iw.kZ :i ls]LokLF; chek iksVZiQksfy;ks esa iwoZ o"kZ esa chek fd, tkus okysizhfe;e ij 50 izfr'kr rd dh of¼ gqbZ gS_ rFkkfi] ;gdguk izklafxd gksxk fd ;g of¼] Hkkxr% esfMd~yse izhfe;eds iqujh{k.k vkSj vfrfjDr 6 izfr'kr Vhñihñ,ñ ykxr &chekÑr ij mn~xghr dh tk jgh iz'kklfur izHkkjksa ds :i esa]ds dkj.k gqbZApkj ifCyd daifu;ksa us lekt ds fofHkUu oxks± dh vko';drkvksads eísutj] LokLF; chekikfyfl;ksa ds fuEufyf[kr :iHksnizLrkfor fd, gSa%&

1- esfMDyse ikfylh & lkèkkj.k ifCyd ds fy,]2- tu vkjksX; ikfylh & vkfFkZd :i ls fiNM+s

oxks± ds fy,A


3rd

jh

212

3- dE;wfuVh vkèkkfjr lkoZHkkSfed LokLF; chek Ldhe %xjhch ls uhps ds yksxksa ds fy, lewg LdheA Ldhe dks

pkyw foÙkh; o"kZ 2003&04 ds nkSjku tqykbZ] 2003 esa

Hkkjr ds izèkkuea=kh }kjk vkjaHk fd;k x;k FkkA

izkbosV lsDVj ds chekdÙkkZvksa us Hkh fofHkUu ukeksa ls esfMd~yse

ikfylh vkjaHk dh gS ftlesa fuEufyf[kr lfEefyr gSa %µ

1- LokLF; chek ikfylh ('khYM) & esfMd~yse ikfylhds vkèkkj ij] blesa ,sls vU; y{k.k gSa tks vLirky ds

[kpsZ dh izfriwfrZ ds :i esa gS ;|fi ;s 24 ?kaVs ls de

dh vofèk ds fy, gSa vkSj blesa oS;fDrd nq?kZVuk doj

dk foLrkj.k] dSlySl lqfoèkk vkfn Hkh gSA

2- xaHkhj chekjh ikfylh & ;g ifCyd lsDVj chekdÙkkZvksa

}kjk cktkj esa mrkjs x, mRiknksa ds leku gSA ;g ikfylhiQk;ns dks ifjHkkf"kr djrh gS vkSj chekdÙkkZ nl xaHkhj

:i ls igpkuh xbZ chekfj;ksa ds funku ij chekÑr jkf'k

dk lank; djrk gSA

3- vLirky uxn ikfylh & bl ikfylh ds varxZr]

chekdÙkkZ mipkj ij [kpZ dh xbZ okLrfod jde ijfopkj fd, fcuk] vLirky esa izR;sd fnu ds [kpsZ ds

fy, iwoZ voèkkfjr lhek rd fu;r jde dk lank;

djrk gSA

ns'k esa LokLF; chek cktkj esa fo'okl&;ksX; vkadM+s ds vHkko

esa] LokLF; chek m|ksx }kjk lkeuk djus okys eqís xaHkhj gSaA

vFkZiw.kZ vkadM+sa cukus ds fy, ,sls dne mBkus dh vko';drkgS tks LokLF; chek izhfe;e dh vPNh dher ds fy,

vkjafHkd LFkku gks ldsxkA nwljh vksj] xzkeh.k vkSj lkekftd

lsDVj dojst ds fy, fofufnZ"V :ijs[kk ij LokLF; chek

ikfyfl;ksa ds varxZr dfri; U;wure vla[; yksxksa dks doj

djus ds fy, vkSj LokLF; chek [kaMksa ds ekè;e ls dqy

ekghnkjh izhfe;e dh dqN izfr'krrk dks ,df=kr djus vkSjchekdÙkkZvksa ds fy, ckè;rk,a vfèkdfFkr dh tk ldsaxhA ,sls

dne mBkus ls Hkfo"; esa LokLF; [kaM esa izos'k vkSj dojst

esa lq/kj gks ldsxkA

LokLF; {ks=k esa MkVkcsl LFkkfir djus ls xaHkhj tkudkjh ds

fy, fofHkUu i.kèkkfj;ksa rd igqap gks ldsxh tks vHkh miyCèk

ugha gSA iz.kkyh lqokg~;rk lqfuf'pr djus ds fy, lsokiznkrkvksa ds lkFk jksxh ds ckjs esa tkudkjh ns ldsxkA ,slk ghugha vfirq ;g LokLF; m|ksx] ftlesa iQkekZL;qfVdy daifu;ka]uSnkfud midj.kksa fofuekZrk] vuqlaèkkudrkZ vkSj vU; lfEefyrgSa] esa fofuekZ.k lsDVj ds fy, Hkh mi;ksxh gksxkA ;g ykxriQk;nk fo'ys"k.k dks lqdj cuk,xkA MkVk rd igqapus dhlhekc¼rk ds dkj.k] chek ds fy, doj] tks fd miyCèk gSa]dk;Z{ks=k esa ladh.kZ gSaA tula[;k dh chek dojst vi;kZIr]fuok±f?kr] [kphZyh vkSj rqPN :i ls iz'kkflr gS tks cgqiz;ksX;ikfylh esa doj fd, tkrs gSa] muesa tksf[ke ugha gSA fof'k"Vtksf[ke@?kVuk ds lacaèk esa izhfe;e ykxr dks ekius ds fy,dksbZ fo'oluh; vkèkkj ugha gS vkSj ikfylhèkkjdksa ds iklviuh fof'k"V vis{kk dks doj djus dk fodYi ugha gSA chekdaifu;ksa ds ikl vlaHkkouh; Hkwfedk gS vkSj iznku dh xbZfpfdRlk ns[kjs[k dh DokfyVh ds lacaèk esa] izHkkjksa ds vkSfpR;dks voèkkfjr djus esa vLirky LFkkiu ds ikl dksbZ varjki"Bugha gSA bu lsokvksa dh fcfyax ds fy, dksbZ cSapekdZ vkSjekud ugha gSaA LokLF; ns[kjs[k ifjnku ifj.kkeLo:i cgqr[kphZyh gS tks jksxh] vFkkZr~] ikfylhèkkjd ij Fkksih tkrh gSALokLF; ns[kjs[k ifjnku iz.kkyh esa vizR;{k ykxr ds dkj.kmuds vkSfpR; dh dksbZ laijh{kk ;k vfèkizek.ku fd, fcuk]LokLF; chek Åaph dher dk gks x;k gSA blds vfrfjDr]LFkkfir ekudksa ds fy, dksbZ tkap ra=k Hkh ugha gS vkSj u ghblds fy, dksbZ cSapekdZ cukus dh dksf'k'k dh xbZ gSA vkSj ugh LFkkfir gSA ;g n`'; foèkku ns'k esa fpfdRlk] ns[kjs[k@LokLF;chek dkjckj dh of¼ dks jksdus esa ?kkrd gSA

cgqr cM+h ,slh laHkkouk,a] tks LokLF; ns[kjs[k lsDVj esafo|eku gSa vkSj thou esa vikj of¼ ds dkj.k tulkaf[;dhiSVuZ esa ifjorZu ls ;g dguk dfBu gks x;k gS fd LokLF;chek yksdfiz; gSA chek daifu;ka i;kZIr gkehnkjh iz.kkyh dksetcwr djds LokLF; chek mRikndksa ds okLrfod Ø; esa buvoljksa dks LFkkukUrfjr djds j.kuhfr rS;kj dj ldrh gSaA ;g[kaM u dsoy mHkjrs gq, dkjckj ds volj iznku djrk gSvfirq ;g ns'k ds O;kid fgr esa gSA

rhljk i{kdkj iz'kkld%izkfèkdj.k us LokLF; chek ds {ks=k esa Vhih,l uked vU;

eè;orhZ dh 'kq:vkr djus dss fy, rhljk i{kdkj iz'kkld &


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LokLF; lsok,a fofu;eksa dks flracj] 2001 esa vfèklwfpr fd;kFkkA LokLF; lsDVj esa eè;orhZ dks vkjaHk djus ds ihNscqfu;knh fopkj xzkgdksa dks dS'kySl LokLF; chek lsok dsmicaèk dks vkSj chekdÙkkZvksa dks ihNs ls lsok,a nssus ds fy,lqdj cukuk FkkA izkfèkdj.k }kjk vkt rd 23 rhljs i{kdkjiz'kklu dks jftLVªhÑr fd;k x;k gS ftlesa ls 11 lfØ;dkjckj esa gSaA rhljs i{kdkj iz'kklu ds ikl volajpuk dhmiyH;rk dks è;ku esa j[krs gq,] chekdÙkkZvksa us mudksLokLF; lsok iksVZiQksfy;ks vkcafVr fd, gSaA

;g vk'kk dh tkrh gS fd dS'kySl lsokvksa ds iQk;nksa dkschekdÙkkZvksa }kjk iwjh rjg ls ljkgk tk jgk gS vkSj LokLF;chek dh ladYiuk yksdfiz; gksxhA blds vfrfjDr] chekdÙkkZvksals lsokvksa iznkrkvksa dh LFkkukarfjr lsok ds nkf;Ro ds lkFk]LokLF; lsokvksa rd igqapuk cgqr gh vklku gks x;k gS ftlds}kjk LokLF; chek ds izlkj esa of¼ gksxhA ;gka lHkh vko';dfuos'kksa dk eq[; vFkZ bl lsDVj esa of¼ ds fy, izksRlkgu nsukgSA LokLF; Mh&VSfjiQ dh vis{kkvksa dks iwjk djus ds fy,muds mRikn dks muds vuqdwy cuk;k tk ldrk gSaaA ,difj.kke ds :i esa] fpfdRlk lsokvksa dh c<+rh gqbZ ykxr]vLokLF; dh laHkkO;orkvksa dks doj djus ds fy, fpfdRlkikfylh djuk mi;qDr gSA ladsr ;g gS fd LokLF; [kaM esarhljs i{kdkj iz'kkldksa ds izkjaHk ds lkFk LokLF; iksVZiQksfy;ksesa nkok vuqikr fu;fer :i ls èkhjs&èkhjs de gksuk 'kq: gksx;k gSA rFkkfi] tSlk fd fjiksVZ esa igys gh minf'kZr gS ;g,d ,slk uktqd {ks=k] ftl ij tksj fn, tkus dh vko';drkugha gS vkSj ftl ij LokLF; chek m|ksx esa MkVk csl ds ltuvkSj mldks cuk, j[kus ds fy, rRdky vkèkkj ij dk;Z fd,tkus dh vko';drk gS] m|ksx esa miyCèk lkaf[;dh ls tSlklqLi"V gS ekudhÑr MkVk vizkIr gSA ifj.kkeLo:i] chekÑr]lsok iznkrk vkSj lqlkè;d] njksa vkSj lsokvksa ds ekudhdj.k esavius dks vlgk; eglwl djrs gSa ftlds }kjk xzkgd HkhizHkkfor gksrs gSa] izkfèkdj.k ,d MkVk csl ds ltu ds fy,fofHkUu rjhdksa dh lfØ; :i ls leh{kk dj jgk gS tks fdnksuksa ekfuVfjax nkoksa ds nksgjs iz;kstu dks iwjk djsxk rFkkLokLF; chek mRiknksa dh dher dks leFkZ cuk,xk vius iklekStwn dk;Z ds egRo dks mldh i¼fr;ksa dks vafre :i nsusls iwoZ fofHkUu igyqvksa ij fopkj&foe'kZ fd, tkus dhvko';drk gSA

rFkkfi] chekÑr dks nh xbZ lsokvksa ls mn~Hkwr vusd f'kdk;rksads dkj.k bl fof'k"V izdkj ds dkjckj dh of¼ esa vusd

vM+pusa iSnk gks xbZ gSa ftlesa ikfylh esa 'krZ@viotZu dsdkj.k nkoksa dk NksM+k tkuk_ nkoksa dk fuiVkjk u fd;ktkuk@nkoksa ds fuiVkjs esa foyac_ fcuk fdlh lwpuk ds ikfylhdks jí fd;k x;k_ de jde ds nkoksa dk fuiVkjk_ izfrdwynkos fd, tkus dh n'kk esa ikfylh ds uohdj.k ls badkj_vLirkyksa dh lwph dk tkjh u fd;k tkuk_ 24 ?kaVs dhlgk;rk }kjk vi;kZIr ekxZn'kZu_ Vky&fu%'kqYd la[;kvksa dhvlarqyurk_ vuqc¼ le; ds Hkhrj fuiVkjk pSdksa dh vizkfIr_iQksVks igpkui=kksa dh vizkfIr_ igpkui=kksa esa iQksVks@uke dhxyr izfof"V_ uohdj.k ds le; yksfMax (pkgs nkok fd;kx;k gks@nkok ugha fd;k x;k gks)_ vkSj rhljs i{kdkj dsiz'kkldksa ds izkjaHk ds dkj.k izhfe;e esa of¼ lfEefyr gSA

rhljs i{kdkj ds iz'kkldksa ds izkjaHk ds ihNs dh ladYiuk dksle>uk gh ugha gS vfirq m|ksx esa fofHkUu i.kèkkfj;ksa lsldkjkRed leFkZu dh Hkh vko';drk gSA izkfèkdj.k rhljsi{kdkj iz'kkfldksa ds ÑR;ksa esa varoZfyr leL;kvksa ds fy,fpafrr gSa vkSj dksbZ Hkh ,sls mik; 'kq: djus ds fy, mÙkjnk;hgS tks muds }kjk LokLF; lsokvksa ds ifjnku esa lqèkkj yk ldsA

LokLF; chek lacaèkh dk;Zdkjh lewgizkfèkdj.k dh fofHkUu {ks=kksa esa mlds ÑR;ksa esa lgk;rk djus

ds fy, 'kq: fd, x, ;w-,l-,-vkbZ-Mh- dk;ZØe ds rRokoèkku

ds varxZr LokLF; chek ds lacaèk esa ,d dk;Zdkjh lewg dk

xBu fd;k x;k gSA LokLF; chek lacaèkh dk;Zdkjh lewg ds

funs'k&fucaèkuksa] ftu ij fliQkfj'ksa izLrqr dh tkrh gSa] esa

fuEufyf[kr lfEefyr gS%&

l rhljs i{kdkj iz'kkfldksa dh Hkwfedk vkSj muds }kjk iznku

dh tkus okyh lsok,a vkSj izkfèkdj.k ds fofu;ked [kpZ

esa laHkkfor fopkj_

l LokLF; chek ikfyfl;ksa ds lacaèk esa lafonk] MkVk] iz:i

vkSj iz.kkyh dk ekudhdj.k vkSj chek daifu;ksa] LokLF;

ns[kjs[k foÙkizcaèk ds vU; ra=k vkSj LokLF; ns[kjs[k

iznkrkvksa ds lkFk rhljs i{kdkj iz'kkld dk eè;orZu_

l LokLF; ns[kjs[k foÙk izcaèk ds fy, fofHkUu i¼fr;ksa ds

ckjs esa izkfèkdj.k dh Hkwfedk_

l ;g lqfuf'pr djus ds fy, izkfèkdj.k dh Hkwfedk fd

LokLF; ns[kjs[k iznkrk vuqKkiu vkSj izR;kiu rFkk ns[kjs[k

dh ekfuVfjax DokfyVh dh U;wure vis{kkvksa dk vuqikyu


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djrs gSaA (mnkgj.k ds fy,] rhljs i{kdkj iz'kkldksa }kjk

ns[kjs[k fjiksVZ dh DokfyVh & LokLF; ns[kjs[k iznkrkvksa

dh igpku vkSj mudh fofèkd vkSj izR;kfIr izkfLFkfr]

nkos vkfn)_ vkSj

l LokLF; chek vkSj fofHkUu eè;ofrZ;ksa (vFkkZr~ LokLF;

ea=kky;] LokLF; ns[kjs[k ofrd laxe] vkSj ,sls gh) ds

fodkl ds O;kid izLrko ds fy, varj&laLFkkfud

leUo;uA

dk;Zdkjh lewg dh igyh cSBd flracj] 2003 esa gqbZ Fkh

ftlesa LokLF; ea=kky;] rhljs izdkj ds izdk'kd] chek daifu;ksa]

xSj&ljdkjh laLFkkuksa] Lo&foÙkiksf"kr lewg vkSj izkfèkdj.k ls

vk, izfrfufèk;ksa us Hkkx fy;k FkkA

vi) xzkeh.k vkSj lkekftd lsDVj esa fd,tkus okys dkjckj dh fofufnZ"V izfr'krrk

izkbosV lsDVj ds fy, m|ksx dks [kksyrs le;] chek lsDVj esalqèkkj lacaèkh lfefr us xzkeh.k vkSj lkekftd lsDVjksa esagkehnkjh dkjckj ds fy, U;wure vuqcaèk ds vuqikyu dsvè;èkhu jgrs gq,] u, chekdÙkkZvksa ds fy, l'kDr ckrksa dhodkyr dh FkhA m|ksx] thou vkSj lkèkkj.k chekdÙkkZvksanksuksa] ds fy, ;g vis{kk xzkeh.k vkSj lkeftd lsDVj ds fy,chekdÙkkZvksa dh ckè;rkvksa ij izkfèkdj.k }kjk cuk, x,fofu;eksa esa vfèkdfFkr gSA ;g Lej.kh; gksxk fd fofu;eksa dsla'kks/uksa dks izkf/dj.k }kjk vDrwcj] 2002 dks vfèklwfprfd;k x;k FkkA la'kksèkuksa ds vèkhu ^^xzkeh.k lsDVj** in dksiqu%ifjHkkf"kr fd;k x;k gS vkSj ^^Ñf"k O;olk;** 'kCn dksfoLrr fd;k x;k gSA la'kksèku esa ^^vkSipkfjd lsDVj** ij Hkhfopkj fd;k x;kA blds lkFk gh] xzkeh.k lsDVj ds fy,chekdÙkkZvksa dh ckè;rkvksa esa of¼ dh xbZ FkhA lekt dhmudh ckè;rkvksa dks iwjk djus ds fy, chekdÙkkZvksa dhvko';drkvksa dks è;ku esa j[krs gq,] izkfèkdj.k us ;g vkSjvuqcaèk fd;k gS fd dkjckj dh ek=kk ds fucaèkuksa ds vuqlkjdksbZ Hkh chekdÙkkZ xzkeh.k@lkekftd lsDVj esa mlls dedkjckj vafdr ugha djsxk tks 31 ekpZ] 2002 dks lekIr gksusokys ys[kk o"kZ ds fy, vfHkfyf[kr fd;k x;k FkkA la'kksèku]foÙkh; o"kZ 2002&03 ls izHkkoh gq,A fofu;e] chekdÙkkZvksa ls;g vis{kk djrs gSa fd os vius izpkyu ds izkjaHk ds o"kZ dks

vkèkkfjr dkjckj dh gkehnkjh djsaA fofu;e ;g vkSj micaèkdjrs gSa fd chekdÙkkZ ds igys foÙkh; o"kZ dh n'kk esa] tks 12ekl dh vofèk ls de gS] og ;FkkfLFkfr] vkuqikfrd izfr'krÙkk;k dh xbZ ikfyfl;ksa dh gkehnkjh djsxkA blds vfrfjDr]fo|eku ifCyd lsDVj chek daifu;ksa ls ;g vis{kk dh tkrhgS fd os ;g lqfuf'pr djsa fd fn, x, fdlh foÙkh; o"kZ esamuds xzkeh.k vkSj lkekftd lsDVj dk dkjckj mlls vfèkdgS ftlds fy, mlus iwoZ foÙkh; o"kZ esa gkehnkjh dhA

thou chekdÙkkZvksa dh ckè;rk,a%

,sls chekdÙkkZvksa] ftUgksaus fiNys rhu o"kZ esa izos'k fd;k] esa lsnl us viuh xzkeh.k vkSj lkekftd lsDVj dh ckè;rkvksa dksiwjk fd;kA ,d chekdÙkkZ] ;|fi xzkeh.k lsDVj dh ckè;rkvksadk vuqikyu djus esa leFkZ Fkk] lkekftd lsDVj dh ckè;rkvksadks iwjk djus esa vliQy jgkA nwljk chekdÙkkZ] ftlus vDrwcj]2002 esa viuk dk;Z 'kq: fd;k] vkuqikfrd vkèkkj ij xzkeh.kvkSj lkekftd lsDVj nksuksa dh ckè;rkvksa dks iwjk djus esavliQy jgkA

ifCyd lsDVj dh ,d daiuh] vFkkZr~ Hkkjrh; thou chekfuxe ls ml jhfr ls fofu;eksa dk vuqikyu djus dh vis{kkdh xbZ Fkh fd ikfyfl;ksa dh izfr'krrk iwoZ o"kZ esa izkIrizfr'krrk ls de u gksA chekdÙkkZ us lsDVj ds fy, viuhckè;rkvksa dks iwjk djus ds ckjs esa dkjckj dh gkehnkjh dhAblds vfrfjDr] lkekftd lsDVj esa chekdÙkkZ }kjk dh xbZikfyfl;ksa dh la[;k iwoZ o"kZ esa dh xbZ ikfyfl;ksa ls vfèkdFkhA nwljs 'kCnksa esa] xzkeh.k vkSj lkekftd lsDVjksa dh iwfrZ dsfy, thou chekdÙkkZvksa dh vksj ls ckè;rk dh lkjoku~ :ils iwfrZ dh xbZA

lkèkkj.k chekdÙkkZvksa dh ckè;rk,a%

vkB ,sls chekdÙkkZvksa esa ls] ftUgksaus fiNys rhu o"kks± ds nkSjkuchek m|ksx esa izos'k fd;k] ikap chekdÙkkZvksa us xzkeh.k vkSjlkekftd lsDVj nksuksa dh ckè;rkvksa dks iwjk fd;kA buesa ls]rhu chekdÙkkZvksa us] ftudk igys o"kZ dk dk;Z cgqr devofèk ds cjkcj Fkk] ;|fi foÙkh; o"kZ 2002&03 muds dk;Zdk rhljk o"kZ Fkk] viuh fLFkfr dh fof'k"Vrk crkbZ] mDr o"kZdks xzkeh.k vkSj lkekftd lDVj dh ckè;rkvksa dh vis{kkvksadk vuqikyu voèkkfjr djus ds iz;kstu ds fy, nwljs o"kZ esafy;k x;k FkkA igyh ckj fdlh chekdÙkkZ us lkekftd lsDVj


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dh ckè;rkvksa dks iwjk fd;kA igys gh izØe ij chekdÙkkZvksaus xzkeh.k lsDVj dh ckè;rkvksa dks iwjk fd;kA rFkkfi] xzkeh.klsDVj dh ckè;rkvksa dks iwjk djus esa FkksM+h deh FkhA ,sls nkschekdÙkkZvksa ds lacaèk esa] ftUgksaus viuk dk;Z foÙkh; o"kZ2002&03 ds nkSjku izkjaHk fd;k] xzkeh.k vkSj lkekftd lsDVjds vuqikyu dh ckè;rkvksa dks vkuqikfrd vkèkkj ij] lqfuf'prugha fd;k tk ldkA bu chekdÙkkZvksa ls ;g vis{kk dh tkrhgS fd os foÙkh; o"kZ 2003&04 esa deh ds lkFk vuqikyulqfuf'pr djsaA bÝdks&Vksfd;ks tSlh daifu;ksa us vius mRiknksadks jk"Vªh; vkSj jkT; Lrj nksuksa esa Msjh Lokfe;ksa ds lgdkfj;ksa]dikl mRikndksa] phuh lgdkfj;ksa vkSj cSadksa ds ekè;e lscspkA gkehnkjh lkekftd lsDVj ds dkjckj eas chekdÙkkZvksa dsiz;kl ,sfrgkfld gSA

pkj ifCyd lsDVj dh chekdÙkkZvksa ls ;g vis{kk dh xbZ Fkhfd os o"kZ ds nkSjku] xzkeh.k vkSj lkekftd lsDVj ds dkjckjdh gkehnkjh djsa tks foÙkh; o"kZ 2001&02 esa gkehnkjh dkjckjls vfèkd Fkk vkSj bldh muds }kjk iwfrZ dh xbZ FkhA blizdkj] ifCyd lsDVj xSj&thou chekdÙkkZvksa us mudks ykxwfofu;eksa ds vèkhu viuh ckè;rkvksa dks iwjk fd;kA xSj&thouchekdÙkkZvksa us Hkh fL=k;ksa ds Lo;a lgk;rk lewg] gFkdj?kkcqudj] dykdkj] tutkfr;ksa vkfn ds fy, vko';drk vkèkkfjriSdst vkjaHk fd;k gSA

NksVs 'kgjksa vkSj xzkeksa esa dkjckj djus dh laHkkouk ds voljfo|eku gSaA chekdÙkkZvksa us xzkeh.k vkSj lkekftd lsDVj dsdkjckj dh gkehnkjh ds fy, chekdÙkkZvksa }kjk lgk;rk izkIrxzkeh.k cktkj dks vius dqN mRikn cspus ds lkFk mudsizorZd lewg dks vkxs igqapk;k gSA rFkkfi] chekdÙkkZvksa dksxzkeh.k vkSj lkekftd ckè;rk,a ysus ds ctk; lrdZ jgus dhvko';drk gSA vFkkZr~ ,slh ckè;rk ftudk vuqikyu fd,tkus dh vko';drk gSA ,sls chekdÙkkZvksa us] tks xzkeh.k vkSjlkekftd lsDVjksa ds fy, viuh ckè;rkvksa dks iwjk djus esavleFkZ gks x, Fks] pkyw foÙkh; o"kZ ds fy, viuh ckè;rkvksadks iwjk djus ds vfrfjDr tSlk fofu;eksa esa micafèkr gS] foÙkh;o"kZ 2003&04 esa gqbZ deh dks iwjk djuk vkjaHk dj fn;k gSA

tcfd ,d vksj] lkekftd egRo ds dkj.k laiw.kZ ns'k esa chekdks iQSykus dh vko';drk ,d t:jr gks xbZ gSA nwljh vksjxzkeh.k tula[;k dh Ø; djus dh 'kfDr cjkcj c<+ jgh gS]xzkeh.k cktkj chek {ks=k ds fy, fo'kky laHkkO;rkvksa dkizLrko djrk gSA tks vHkh rd viz;qDr gSA bl cktkj dk

iz;ksx djus ds fy, xzkeh.k tula[;k dh ekufldrk] chek dsfofHkUu izdkj ds egRo ds fy, muds cksèk vkSj ikfylh Ø;djus dh mudh bPNk dks le>us dh vko';drk gSA vè;;u;g nf'kZr djrk gS fd fof'k"Vr;k vPNh cpr djus dhvknr ds izpyu ds dkj.k xzkeh.k cktkj esa chek dkjckj dhof¼ ds fy, vPNh laHkkO;rk,a gSaA ;|fi y?kq vk; okysifjokj Hkh viuh okf"kZd dekbZ dk yxHkx ,d frgkbZ cprdj ysrs gSaA Ñf"kd {ks=k esa] iQly ds le; cpr lcls vPNhgksrh gSA cpr ds fofHkUu pSuyksa esa cSad] iksLV vkfiQl vkSjLFkkuh; mèkkjnkrk tSls vkSipkfjd laLFkku vkSj tkSgjh lfEefyrgSaA ;g okLro esa vfHkdÙkkZ ds tksj nsus ds vfrfjDr gS] blhizdkj] okguksa ds fy, foÙk nsus okys vkVks Mhyj] eksVj ;kuvkSj VªSDVj chek ds fy, tkx:drk c<+krs gSaA rFkkfi] fpUrkbl ckr dh gS fd vkKkid vis{kkvksa ds ekeyksa ls fHkUu]lgt tkx:drk dk Lrj fof'k"Vr;k lkèkkj.k chek mRiknksa dsfy, fuEu gSA blds vfrfjDr] chek ds fy, dksbZ vko';drkeglwl ugha dh xbZ gSA

leqnk;ksa ds ,d cgqr cM+s [kaM dks lfEefyr djus ds fy,]thou chek ds fucaèkuksa ds vuqlkj] lewg chek Ldhe vkSjvU; cgqfoèk ikfyfl;ka thou{k; vkSj vPNs fodYi ds :iesa rS;kj dh tk ldrh gSaA ,sls mRikn tks] ?kj dk eq[; dekusokys O;fDr dh eR;q] nq?kZVuk] iQly cjcknh@fouk'k] izkÑfrdfookn vkfn tSls ,sls tksf[keksa dks lfEefyr djrs gSa] fof'k"Vr;kchekÑr ds fy, vkd"kZd gks ldsaxs] blds vfrfjDr] mPpvtZu {kerk vkSj vPNs 'kSf{kd Lrj ds yksxksa ls ikjEifjd ,slschek mRiknksa dks rS;kj djds laidZ fd;k tk ldsxk ftulscpr vkSj lqj{kk iznku ds nksgjs mís'; dh iwfrZ gks ldsxh tksfd vizR;kf'kr oS;fDrd ladV ds le; ladViw.kZ gks ldsxhAblds vfrfjDr] u, chekdÙkkZvksa ds fy, i;kZIr tkx:drkiSnk djus dh vko';drk gS ftlls fd os viuk fo'oklcuk, j[k ldsaA

blds vfrfjDr] xzkeh.k tula[;k ds LokLF;] laifÙk vkSjiQly dks doj djuk dfBu gSA ½.k lqfoèkk] thou vkSjnq?kZVuk ;k thou vkSj LokLF; vkSj nq?kZVuk chek tSls vfrfjDriQk;ns vkfn dh vksj vfèkd vkdf"kZr cukrs gSaA fdLrksa dslank; esa yphykiu ;g lqfuf'pr djsxk fd os iQly dsle; lank; dj nsaxs_ ,d vfrfjDr vkd"kZ.k gSA lapkj dhLFkkuh; i¼fr;ka fof'k"Vr;k LFkkuh; gkV] esys] LFkkuh; Vh-oh-iz;ksx djds] nslh Hkk"kk esa lekpkji=k ds ekè;e ls y{; dks


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izkIr fd;k tk ldrk gSA bl cktkj ij dCtk djus ds fy,cSadksa vkSj lgdkjh ds lkFk la;qDr ,tsalh usVodZ ds iz;ksx lsldkjkRed ifj.kke fudyus dh laHkkouk gSA lkèkkj.k chek[kaM ds lacaèk esa] fof'k"Vr;k og O;fDr ftldk chek fd;ktkuk gS] le¼ [kaM gS ftlds ikl chek;ksT; vkfLr;ka gSaaAvè;;u ;g nf'kZr djrk gS fd thou [kaM ds lkFk&lkFk]lkèkkj.k chek dk tkx:drk Lrj fuEu gSA chekdÙkkZvksa dkscgqHkk"kh vkSj cgq&laLÑfr okyh xzkeh.k turk dks è;ku esaj[kdj rS;kj ;kstuk ds ekè;e ls tkx:drk iSnk djus dhvko';drk gSA

xzkeh.k fodkl vfHkdj.kksa] cSadksa] lgdkjh laLFkkuksa] xSj&ljdkjhlaxBuksa] ,e,iQvkbZ] ,l,pth] ;qok Dycksa vkSj iapk;rksa }kjkrS;kj fd, x, O;kid usVodZ ij dCtk fd;k tk ldrk gSvkSj ns'k dh xzkeh.k turk dh dekbZ esa iSB djds chekdÙkkZvksa}kjk mldk mi;ksx izHkkoh :i ls fd;k tk ldrk gSA xzkeh.k[kaMksa esa c<+rh gqbZ Ø; 'kfDr] ,sls nksgjs voljksa dk mi;ksxtks vkbZ-Vh- vkSj lapkj Økafr ds dkj.k [kqys gq, gSa_ bu lsDVjksaesa chek ds foLrkj dks lqfuf'pr djus ds fy, izHkkoh :i lsfd;k tk ldrk gSA chek daifu;ksa dks lefiZr forj.k iz.kkyhrS;kj djds chek mRiknksa ds okLrfod foØ; esa bu voljksadk ifj.kr djus dh vko';drk gSA

(vii) isa'ku

Hkkjr ljdkj us] dsUnzh; ljdkj dh lsok esa izos'k djus okysu, deZpkfj;ksa] l'kL=k lsokvksa ds flok;] ds fy, ,d ubZiqu%lajfpr ifjHkkf"kr va'knk;h isa'ku iz.kkyh vkjaHk djus dsizLrko dks vxLr] 2003 esa vuqeksfnr fd;k ftlesa igyspj.k esa ifjHkkf"kr isa'ku iz.kkyh dh fo|eku iz.kkyh dkscnyuk gSA ubZ iz.kkyh LoSfPNd vkèkkj ij lHkh O;fDr;ksa]ftlesa Lo&fu;ksftr ofÙkd vkSj vlaxfBr {ks=k Hkh lfEefyrgS] dks miyCèk dh tkrh gSA rFkkfi] deZpkjh Hkfo"; fufèklaxBu vkSj vU; fo'ks"k Hkfo"; fufèk ds vèkhu dk;ZØe ijdeZpkjh Hkfo"; fufèk vkSj izdh.kZ micaèk vfèkfu;e] 1952vkSj bu fufèk;ksa dks 'kkflr djus okys vU; fo'ks"k vfèkfu;eds vèkhu fo|eku iz.kkyh ds vuqlkj fujUrj dkjZokbZ dhtk,xhA isa'ku lacaèkh O;kid foèkku dh vfèkfu;fefr dsyafcr gksus ds dkj.k] Hkkjr ljdkj us] foÙk ea=kky; ds iw.kZiz'kklfud fu;a=k.k ds vèkhu varfje isa'ku fufèk fofu;kedvkSj fodkl izkfèkdj.k dk xBu fd;k gSA varfje isa'ku fufèk

fofu;ked vkSj fodkl izkfèkdj.k isa'ku cktkj dks fofu;fervkSj fodflr djsxkA ;g iz;ksDrk izHkkj ij vkèkkfjr viusLo;a ds fufèk;u Ïksr dks fodflr djsxk vkSj ,sls lHkh ÑR;djsxk tks isa'ku cktkj ds Øec¼ of¼ dks fofu;fer] izksRlkfgrvkSj lqfuf'pr esa mls leFkZ cukus ds fy, vko';d gksaAvarfje fudk; isa'ku cktkj ds fofu;eu ds fy, O;kidfoèkku dk izLrko djsxkA

,sls tulka[;dh ifjorZu esa tks fo'o ifjn`'; esa LFkku j[krsgSa vkSj vfèkd fof'k"V :i ls] Hkkjrh; lanHkZ esa] vFkZO;oLFkkds lHkh oxks± dks doj djus ds fy, ;qfDr;qDr isa'ku iz.kkyhdk ewY;kadu djuk dfBu gS tcfd izFke mik; ds :i esa]dsUnzh; ljdkj us dsUnzh; ljdkj dh lsok esa izos'k djus okysu, O;fDr;ksa ds fy, ,d isa'ku ;kstuk dh ?kks"k.kk dh gSA ;gkalekt dk ,d ,sls fo'kky oxZ gS ftls vHkh doj fd, tkusdh vko';drk gSA ns'k vius fuokfl;ksa dks vkfFkZd vkSjlkekftd fodkl vkSj ,sfrgkld vuqHko ds muds Lrjksa esaerHksnksa dks de djus okys fof'k"V fofoèk lkèkuksa }kjklkekftd lqj{kk ds iQk;ns iznku djrs gSaA isa'ku ;kstuk esaHkkxhnkjh dks c<+kok nsus ds fy, vusd ns'kksa esa dj iz.kkh Hkh gSA

(viii) ys[kkadu vkSj chekafdd ekud

i) ys[kkadu ekudizkfèkdj.k us o"kZ 2000 esa chek daifu;ksa ds foÙkh; fooj.kvkSj laijh{kd fjiksVZ dks rS;kj djus ds fy, fofu;e tkjhfd, FksA rFkkfi] chekdÙkkZvksa }kjk nh xbZ tkudkjh dks nsus vkSjle;≤ ij ml ij tkjh fd, x, fofHkUu Li"Vhdj.kksa dkslfEefyr djus ds fy, bldh vko';drk eglwl gqbZ FkhArn~uqlkj] ekpZ] 2002 esa fofu;eksa dks mikarfjr vkSj vfèklwfprfd;k x;k Fkk vkSj chekdÙkkZvksa }kjk mBk, x, eqíksa ijizkfèkdj.k }kjk Li"Vhdj.k Hkh crk, x, FksA blds vfrfjDr]foÙkh; o"kZ 2002&03 ds fy, xSj&thou ifCyd lsDVjchekdÙkkZvka dks muds }kjk vfHkO;Dr O;ogkfjd dfBukbZ;ksadh n`f"V ls] dqN NwV Hkh vuqKkr dh xbZ FkhA

izkfèkdj.k }kjk cuk, x, fofu;e Hkkjrh; pkVZM vdkmaVsaVlaLFkku }kjk tkjh fd, x, ys[kkadu ekudksa dh ifjfèk esa vkrsgSaA rFkkfi] udn izokg fooj.k rS;kjh ls lacafèkr ys[kkaduekudksa dh ckcr mikaarj.k fd, x, gSa ftUgsa lhèkh&i¼fr dsvarxZr dsoy izkfèkdj.k dks izLrqr fd;k tkuk visf{kr gS vkSjflxesaV fjiksfV±x (,,l&17) ftldh vis{kk chekdÙkkZvksa ds


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fy, vkSj vfèkd dfBu gks xbZ gSA ,,l dks] lwphdj.k dhvis{kkvksa vkSj ,,l esa ;Fkk mfYyf[kr vkorZ dk è;ku esa j[ksfcuk lHkh chekdÙkkZvksa ij ykxw fd;k x;k gSA mDr mikarj.kizkfèkdj.k dh vko';d fof'k"V tkudkjh dks iwjk djus dsfy, fd, x, gSa vkSj vkbZ lh , vkbZ }kjk vfèkdfFkr ekudksadks de ugha djrs gSaA ;g mYys[kuh; gS fd vkbZ-lh-,-vkbZ-us vkt rd 29 ys[kkadu ekud tkjh fd, gSaA buesa ls dqNys[kkadu ekudksa dks] Hkkjrh; pkVZMZ vdkmaV laLFkku }kjklhfer :i esa o"kZ 2002&03 ds nkSjku iqujhf{kr fd;k x;k FkkA

fofu;e ;g vkSj vis{kk djrs gSa fd foÙkh; fooj.kksa ds lkFkchekdÙkkZvksa ds izcaèk }kjk lE;d~ :i ls izekf.kr bl lacaèkesa] fofgr iz:i ds vuqlkj ,d izcaèk fjiksVZ gksxhA fuxfer'kklu ds Hkkx ds :i esa] daiuh vfèkfu;e] 1956 dh èkkjk217 (2dd) ds vèkhu ;Fkkvisf{kr mÙkjnkf;Ro fooj.k Hkhizcaèk fjiksVZ dk ,d iz:i Hkkx gksxkA izkfèkdj.k us laijh{kkfjiksVZ dk iz:i fofgr fd;k gS vkSj nks laijh{kdksa }kjk la;qDr:i ls laijhf{kr fd, tkuss dh ys[kkvksa dh vis{kk,a HkhvfèkdfFkr dh gSA vkSj] chekdÙkkZvksa }kjk fu;qDr laijh{kdizkfèkdj.k }kjk rS;kj fd, x, iSuy esa ls gksaxsA

blds lkFk] izkfèkdj.k us laijh{kdksa dh lwph ds fy, ekxZn'kZufl¼kar fofgr fd, gSA bu ekxZn'kZu fl¼karksa esa ;g micaèk gSfd izkfèkdj.k dh iSuy lwph esa viuk uke pkgus okyhlaijh{kd iQeZ dks de ls de 15 o"kZ cus gq, gksa vkSj dels de mlds ikap Hkkxhnkj gksa] ftuesa nks iQeZ esa de ls deikap o"kZ dk;Z dj pqds gksaA ,d csgrj fuxfer 'kklu i¼frvaxhdkj djus dh n`f"V ls] izkfèkdj.k us izR;sd ikap o"kZ dsfy, ijh{kdksa dk pØkuqØe fofgr fn;k gS vkSj dksbZ Hkh nkslaijh{kd la;qDr :i ls pkj o"kZ ls vfèkd ds fy, laijh{kkugha dj ldrs gSaA

lkèkkj.k vkSj thou chek dkjckj djus okyh daifu;ksa dhlaijh{kk ij ekxZn'ku fVIi.k rS;kj djus ds fy, vkbZ-lh-,-vkbZ- }kjk cuk, x, vè;;u lewg ds iz;klksa ls izkfèkdj.k dsinkfèkdkjh Hkh tqM+s gq, gSaA laLFkku vius lnL;ksa ds fy,ekxZn'kZu fVIi.k izdkf'kr djrk gSA foÙkh; o"kZ ds nkSjku]izkfèkdj.k us la;qDr :i ls vkbZ-lh-,-vkbZ- ds lkFk egÙoiw.kZeqn~nksa ij fopkj&foe'kZ fd;k vkSj chek m|ksx esa lw{e Lrjij laijh{kk vkSj vU; lac¼ fo"k;ksa ij fopkjksa vkSj ;kstukvksa

dk vknku&iznku fd;kA ys[kkadu ekud vkSj fofuèkku lslacafèkr eqn~nksa ij vkbZ-lh-,-vkbZ- ds lkFk fopkj&foe'kZ fd;kA

foÙkh; fooj.kksa ds izdVu dh vis{kk laiw.kZ fo'o esa ;qfDr;qDrgks xbZ gS vkSj Hkkjrh; m|ksx Hkh LFkkuh; lanHkZ esa blds fy,vkSj vfèkd ekax djus dh vk'kk dj ldrk gSA fofuekud<kapk ekudksa] izdVu vkSj ikjnf'kZrk ds fy, igys gh micaèkdjrk gSA lajh{kdksa dh Hkwfedk Hkh diV dks jksdus vkSjfoosdiw.kZ izcaèk i¼fr ij Vhdk&fVIi.kh djus ds fy, ,dvfHkj{kd ds :i esa yksdizfl¼ gksxhA vkbZ-lh-,-vkbZ- muesa,d gksus ds dkj.k] p;fur m|ksxksa] chek esa ih;j fjO;w vkjaHkdj jgk gSA ih;j fjO;w dk mís'; laijh{kk dk;Z 'kq¼rk dhtkap djuk gS vkSj ;g leh{kk djuk gS fd rduhdh eqn~nksavkSj dkuwuh vis{kkvksa dk vuqikyu fd;k x;k gSA laLFkku usbl dk iz;ksx djus ds fy, ih;j fjO;w cksMZ dk xBu fd;k gSA

II(d) fu;qDr chekadd iz.kkyhizkfèkdj.k us Hkkjr esa chek dkjckj vkSj lkèkkj.k chek dkjckjnksuksa ds fy, fu;qDr chekadd iz.kkyh vkjaHk dh gS_ dksbZ HkhchekdrkZ fu;qDr chekadd ds fcuk Hkkjr esa thou chekdkjckj dk laO;ogkj ugha dj ldrk gSA fu;qDr chekadd dh,d ns[kus okyh Hkwfedk gSA izkfèkdj.k us fu;qDr chekaddfo'ks"kkfèkdkjh vkSj ckè;rkvksa dks ifjHkkf"kr djrs le; fofu;eksaesa ik=krk ekunaM vfèkdfFkr fd, gSaA fofu;e ;g vis{kk djrsgSa fd izR;sd thou chekdÙkkZ ds ikl ,d iw.kZdkfyd deZpkjhds :i esa fu;qDr chekfdad gksxkA rFkkfi] xSj&thou daifu;ksads ekeys esa NwV yh xbZ gS vkSj og fu;qDr chekadd ds :iesa xSj&thou chekdÙkkZ }kjk ,d ijke'kZd chekadd djldrk gSA

izR;sd chekdÙkkZ ls ;g visf{kr gS fd og izR;sd foÙkh; o"kZds 31 ekpZ dks fu;qDr chekfdad }kjk lE;d~ :i ls izekf.krviuh chekafdd fjiksVZ ds lkFk 'kksèku {kerk fooj.k izLrqrdjsA xSj&thou chekdÙkkZ dh n'kk esa] fu;qDr chekfdad ls;g vis{kk dh tkrh gS fd og ns'kh xSj&VSfjiQ mRikn vkSjvkbZ-oh-,u-vkj- vkjf{kfr;ka (tks mixr gksa fdUrq fjiksVZ fd,gq, ugha) ds fy, njksa dks izekf.kr djsaA fiNys rhu o"kks± esaizkbosV lsDVj ds vkus ls chek m|ksx dh of¼ chekfdadksa dhofÙk ds fy, 'kqHk gqbZ gSA ofÙkd volj ds fodkl esa fu;qDrchekfdad iz.kkyh esa tSlk fd os fuf"Ø;rk ls ckgj vk x, gSa


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vkSj fuxfer ifjizs{; esa viuk mfpr LFkku pkgrs gSa_ thouvkSj lkèkkj.k chek dkjckj izcaèk] isa'ku] chek fofu;e vkSjf'k{kkfonksa esa chekfdad fuos'k esa ofÙk ,d egRoiw.kZ ;ksxnkudj ldrk gSA chekfdadksa dh ofÙk esa izeq[k fodkl ih;j fjO;wls lacafèkr gSA m|ksx esa ofÙkdksa dk bl n`f"V ls fnd~ifjorZugqvk fd ih;j fjO;w chek m|ksx esa nh xbZ chekfdad lsokvksads DokfyVh esa lqèkkj djus ls gksxkA ,-,l-vkbZ- }kjk tkjhekxZn'kZu fVIi.k 2003&04 dks lekIr gksus okys foÙkh; o"kZ dsfy, fd, tkus okf"kZd ewY;kadu ls izHkkoh gSaA tcfd ofÙkdls ;g vk'kk dh tkrh gS fd os bl eqís ij è;ku nsa vkSjdkjZokbZ djus ds ckjs esa fofu'p; djsaA izkfèkdj.k us fu;qDrchekfdad }kjk izkfèkdj.k dks izLrqr dkuwuh fjiksVZ ds iqufoZyksduds fy, ofÙkd iSuy cukus dk foosdiw.kZ fopkj fd;k gSAofÙk ls izkIr iqufuZos'ku ds vuqlkj] ekeys ij igy dh xbZgSA bl lacaèk esa ,d mik; ds :i esa izkfèkdj.k us igys gh2002 ls chekfdadksa dh ,d iqufoZyksdu lfefr dk xBufd;k gS ftlesa fuEufyf[kr gSa%&

l Jh ,u-ds- f'kadj & chekadd ijke'kZd vkbZ-vkj-Mh-,-

l Jh ds-ih- ujflEg~u & ,-,l-vkbZ ds fiNys vè;{k

l Jh th-,l- ckylqczke.k;e~ & lnL; (chekadd) vkbZ-vkj-Mh-,-

lfefr chekdÙkkZvksa dh dkuwuh foojf.k;ksa dk iqufoZyksdudjrh gS vkSj bl lacaèk esa fofu;eksa esa ;FkkvfèkdfFkr xqIrvis{kkvksa ds fu;qDr chekadd ds ÑR;ksa dh leh{kk djrh gSA

;g mYys[k fd;k tk ldrk gS fd laiw.kZ fo'o esa ih;j fjO;wds fy, iz;kl djus dk mís'; fofu;kedksa dks chekfdad dk;Zdh DokfyVh ds ckjs esa lgt Lrj iznku djuk gS tSlk fdfofu;ked ikfylhèkkjdksa ds fgrksa ds laj{k.k ds fy, gksrs gSaA

chekaddksa dh Hkwfedk ds O;olk;hdj.k ds fy, nwljk dneHkkjrh; chekfdad laLFkku dh LFkkiuk djus ds fy, izLrkforfoèkku gSA Hkkjrh; chekfdad lkslkbVh Hkkjr esa chekfdad ofÙkdh mUufr djus] of+Ùk ds lnL;ksa ds chp vU;ks;fØ;k dsvolj iznku djus] vuqlaèkku lqdj cukus] lqlaxr fo"k;ksa ijO;k[;ku ds O;oLFkk djus] dkxt&i=kksa dks izLrqr djus vkSjmu ij fopkj&foeZ'k djus] mu yksxksa dks] tks chekfdad dhijh{kkvksa ds fy, vè;;u dj jgs gSa] lqfoèkk vkSj ekxZn'kZunsus ds fy, cukbZ xbZ FkhA chekfdad laLFkku foèks;d] 2002ds izk:i dk eq[; mís'; chekfdadksa dh ofÙk dks fofu;fer

djus vkSj fodkl djus ds fy, Hkkjrh; chekfdad lkslkbVhdks dkuwuh 'kfDr;ka iznku djuk gSA izkfèkdj.k us izk:ifoèks;d ij viuh Vhdk&fVIif.k;ka Hkkjr ljdkj dks Hkst nhgSa vkSj bl lacaèk esa lalnh; LFkk;h lfefr dks Hkh voxr djkfn;k x;k gSA

,-,l-vkbZ- us vius lnL;ksa ds fy, vkpkj lafgrk dk HkhiqufoZyksdu fd;k gSA ofÙk ds vkpkj vkSj i¼fr Kkiu ftlsebZ] 2003 esa iqujhf{kr fd;k x;k Fkk] ,sls ofÙkd dnkpkj dsfy, ekxZn'kZd fl¼karksa dk micaèk djuk gS ftlds fy, lHkhlnL;ksa dh iqf"V pkfg,A chekaddksa ls ;g vk'kk dh tkrh gS fdos fo'o lanHkZ esa ofÙkd {kerk ds mPp Lrj dks cuk, j[ksaA

thou vkSj xSj&thou chek daifu;ksa esa fu;qDr chekfdadksa dhlwph Øe'k% lkj.kh 18 vkj 33 esa nh xbZ gSA

II ([k) chekafdd ekud

Hkkjrh; chekafdd lkslkbVh us izkfèkdj.k dh lgefr ls dqNfofufnZ"V {ks=kksa esa chekaddksa ds fy, ekxZn'kZd fVIi.kh (chekfdadekudksa) dks rS;kj djus dk dk;Z lkSaik x;k gSA Hkkjrh;chekafdd lkslkbVh us ofÙkd ekud rS;kj djds] chekdÙkkZ ds'kksèku&{kerk dks cuk, j[kus ds fy, fu;qDr chekfdad dsmÙkjnkf;Roksa dks doj djds] ikfylhèkkjdksa dh ;qfDr;qDrvk'kkvksa dh iwfrZ djds vkSj ;g lqfuf'pr djds fd blikfylh èkkjd mudh vk'kkvksa ds ckjs esa Hkzfer ugha gSa_^^fu;qDr chekfdadksa vkSj thou chek** ij ,d ekxZn'kZdfVIi.k tkjh fd;k gSA

,-,l-vkbZ- us ^^foÙkh; 'krZ fjiksVZ** vkSj ih;j fjO;w vkSjfu;qDr chekadd** ds fy, ekxZn'kZd fVIi.k Hkh cuk, gSa tks1 vizSy] 2003 ls izHkkoh gSaA

gky gh esa] ,-,l-vkbZ- us lkèkkj.k chek m|ksx esa dke dj jgsfu;qDr chekaddksa ds fy, ekxZn'kZd fVIi.k (th-,u- 2) tkjhfd, gSaA ekxZn'kZd fVIi.k esa fu;qDr chekaddksa dh izÑfr vkSjmÙkjnkf;Ro] mudh fLFkfr dks izHkkfor djus okys izfriQy]mudh ftEesnkjh vkSj drZO; dh lhek] u, mRiknksa ds fy,izhfe;e njksa vkSj ikfylh 'krZ vkSj foØ; ij fo|eku micaèk]iwath vis{kk,a] chekfdad vUos"k.k] izhfe;e vkSj nkos vkjf{kfr],sls chekfdadksa] tks deZpkfj;ksa ds cksMZ lacaèkh funs'kd gSa ;klkèkkj.k chek daiuh ds ijke'kZd gS] ds fy, fyf[kr fVIi.kvkSj ekxZn'kZd fl¼kar tSls ,sls igyqvksa dks lfEefyr fd;kx;k gSA


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Hkkjrh; fofu;ked fodkl izkfèkdj.k }kjk 31 ekp Z] 2003 rd tkjh fd, x,ifji=k@ vkns'k@ vfèklwpuk@ i=k&O;ogkj dh lwph

Øñ ifji=k@ vkns'k@ funs'k@ tkjh djus fo"k;

lañ vfèklwpuk@ i=k&O;ogkj lañ dh rkjh[k

1- vkbZ-vkj-Mh-,-@vkns'k@ 3@4@2002 lHkh chekdrkZvksa ds fy, thou vkSj lkèkkj.k chek ifj"kn dks uke&funsZ'kuifj"kn~@1@4&2002 lacaèkh vkns'kA

2- vkbZ-vkj-Mh-,-@vkj-lh-,l-@ 2@5@2002 chek dksVksa ij tek vfxze èku ij lHkh lkèkkj.k chekdrkZvksa ds fy,bZ-,e-Mh-@01@02

3- 16@5@2002 vkbZ-vkj-Mh-,- (chek daifu;ksa ds foÙkh; fooj.k vkSj laijh{kd fjiksVZ)fofu;e] 2002 dh vuqlwph [k ds en 13 (iv) ij lHkh chekdrkZvksa ds fy,

4- vkbZ-vkj-Mh-,-@vkj-lh-,l-@ 17@5@2002 izhfe;e dh yksfMax dh lhek vkSj fo'ks"k rhljs i{kdkj eksVj izLrko,e-Vh-ih-@10@02 dh Lohdfr ij lHkh lkèkkj.k chekdrkZvksa ds fy,

5- vkbZ-vkj-Mh-,-@vkj-lh-,l-@ 28@5@2002 izhfe;e dh yksfMax ij lhek vkSj fo'ks"k rhljs i{kdkj eksVj izLrkoksa,e-Vh-ih-@11@02 dh Lohdfr ij vkns'k lañ vkbZ-vkj-Mh-,-@vkj-lh-,l-@,e-Vh-ih-@10@02

rkjh[k 17 ebZ] 2002 ij Li"Vhdj.k

6- 11@6@2002 lHkh chekdrkZvksa ds fy, daiuh ds ys[kkvksa dh tkap djus ds fy, la;qDrlaijh{kdksa dh fu;qfDrA

7- vkbZ-vkj-Mh-,-@vkj-lh-,l-@ 28@6@2002 lkèkkj.k chek daifu;ksa ds fofHkUu gkehnkjh dk;kZy;ksa dks vkbZ-vkj-Mh-,-,e-Vh-ih-@12@02 lañ vkbZ-vkj-Mh-,-@vkj-lh-,l-@,e-Vh-ih-@10@02 rkjh[k 17 ebZ] 2002 ij

ifji=k

u'ojrk vkSj foÑfr vUos"k.k C;wjks % C;wjks dks ,-,l-vkbZ-ds rRokoèkku esa xfBr fd;k x;k gSA ,e-,e-vkbZ-ch- dk eq[;mís'; chekfdad leqnk; dks muds ÑR;ksa ds dq'ky fu"iknudjus] u'ojrk foÑfr vkSj vU; fofufnZ"V tksf[ke & vUrfuZfgrlaHkkO;rkvksa dh orZeku fopkjèkkjk dk vè;;u djds] vkSjvuqHko vkèkkfjr lkj.kh vkSj vkadM+s izLrqr djus ds fy,lsok,a iznku djuk gSA blls thou chek m|ksx dks cgqr cM+kiQk;nk gksxkA Hkfo"; esa] ,e-,e-vkbZ-oh- 'kS{kf.kd laLFkkuksa dslkFk vkSj vU;ks;fØ;k fodflr 'kSf{kd fo'ks"kKrk ds ekè;els laidZ LFkkfir djsxk vkSj fofHkUu {ks=kksa esa rduhdh vè;;uvkjaHk djus ds fy, leFkZ gksxkA C;wjks dks fofHkUu chekdÙkkZvksals MkVk ,df=kr djus vkSj chekdÙkkZvksa ds vuqHko ij vkèkkfjru'ojrk vkSj foÑfr dh lkj.kh dks ladfyr djus ds fy,xfBr fd;k x;k gSA ,-,l-vkbZ- ifj;kstuk ds fy, ;w-,l-,-vkbZ-Mh- ls fuos'k Hkh ys jgk gSA ,e-,e-vkbZ-ch- dks ,diFkd fofèkd bdkbZ ds :i esa xfBr fd;k tk jgk gSA ;w-ds-

bafLV~;wV vkiQ ,Dpqfjt bD;qosysaV ckMh dafVU;wvl baosfLVxsluC;wjks ds lg;kstu ls ,-,l-vkbZ- us ,e-,e-vkbZ-ch- dh LFkkiukij izkjafHkd dk;Z dj fy;k gS] ,e-,e-vkbZ-ch- ds ewyvfèkdkjh ,sls fudk; ds fofHkUu izpkyu igyqvksa dh leh{kkdjus ds fy, Hkkjr vk,A C;wjksa dks lHkh thou chekdÙkkZvksavkSj izkfèkdj.k }kjk fufèk nh tkrh gSA

thou chek fuxe esa chekÑr O;fDr;ksa dh u'ojrk njsa(94&96) vkSj okf"kZdhxzkgh lkj.kh 17(i) vkSj (ii) esa nh xbZgSA

(ix) izkfèkdj.k }kjk fn, x, funs'k] vkns'kvkSj fofu;e

chekdÙkkZvksa dks ekxZn'kZu iznku djus vkSj muds }kjk mBk,x, eqn~nksa dks Li"V djus dh n`f"V ls] izkfèkdj.k us le;≤ij funs'k vkSj vkns'k tkjh fd, gSaA o"kZ 2002&03 (vaèkru)esa tkjh fd, x, ,sls vkns'k@funs'k uhps nf'kZr gS %µ


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Øñ ifji=k@ vkns'k@ funs'k@ tkjh djus fo"k;lañ vfèklwpuk@ i=k&O;ogkj lañ dh rkjh[k

8- vkbZ-vkj-Mh-,-@vkj-lh-,l-@ 22@7@2002 vfXu vkSj bathfu;fjax dkjckj ds lacaèk esa vi;Zoflr tksf[ke dhVSDl@01@07 vkjf{kfr ds fy, micaèk tks vkradokn tksf[ke dks lfEefyr djus ds fy,

micaèk djrs gSa vk;dj fu;e] 1962 ds fu;e 65 esa la'kksèku] lHkhlkèkkj.k chekdÙkkZvksa ds fy,

9 16@8@2002 lHkh chekdÙkkZvksa ds fy, chek fofèk] ds O;kid iqufoZyksdu ij uksfVl

10- 4@9@2002 lHkh lkèkkj.k chekdÙkkZvksa ds fy, ,tsalh nykyh ds LFkku ij ,tsalhdeh'ku lajpuk vkSj NwV ij Li"Vhdj.k

11- 10@9@2002 lHkh chekdÙkkZvksa ds fy,] vkbZ-vkj-Mh-,- (fofuèkku) fofu;e] 2002 dsvèkhu xfBr fofuèkku lfefr dh Hkwfedk ij Li"Vhdj.k

12- 10@9@2002 lHkh chekdÙkkZvksa ds fy, vkbZ-vkj-Mh-,- (izhfe;e ds lank; dh jhfr)fofu;e] 2002 ds izk:i ij Vhdk&fVIif.k;ka

13- 14@9@2002 lHkh chekdÙkkZvksa ds fy,] lsok dj jftLVªhdj.k C;kSjs nsus ds fy, dsUnzh;mRikn 'kqYd vk;qDr dk;kZy;] eqacbZ dks tkudkjh izLrqr djus

14- 3@10@2002 lHkh lkèkkj.k chekdÙkkZvksa ds fy,] chek daifu;ksa }kjk eksVj Vh-ih-izhfe;e ij yksfMax dh n'kk esa VSfjiQ dk Hkax fd;k tkuk

15- 3@10@2002 lHkh chekdÙkkZvksa ds fy,] 23 flracj] 2002 dks gSnjkckn esa gqbZ cheklykgdkj lfefr dh cSBd esa fd, x, fofu'p;

16- 24@10@2002 chek (la'kksèku) vfèkfu;e] 2002 ds micaèkksa ds vèkhu izkfèkdj.k }kjkrS;kj fd, x, fofu;e vkSj la'kksèkuksa ij lHkh chekdÙkkZvksa dks uksfVlA

17- 29@10@2002 lkèkkj.k chekdÙkkZvksa ds fy, izhfe;e dh yksfMax ij lhek vkSj fo'ks"krhljs i{kdkj eksVj izLrko dh Lohdfr ij ifji=k

18- 31@10@2002 lHkh lkèkkj.k chekdÙkkZvksa ds fy,] eksVj dh Mh&VSfjfiQax lacaèkh U;k;ewfrZjaxjktu lfefr ds xBu ij vfèklwpuk

19- 31@10@2002 bl ckr dh lwpuk fd izkfèkdj.k us O;kogkfjd izf'k{k.k iznku djus dsfy, vkSj Vhih, ds lh-bZ-vks-@lh-,-vks- ds fy, ijh{kk,a lapkfyr djus dsfy, iz'kklfud LVkiQ dkyst] gSnjkckn dks ekU;rk ns nh gSA

20- 1@11@2002 lHkh lkèkkj.k chekdÙkkZvksa ds fy,] eksVj VSfjiQ ds iqu% VSfjiQ lacaèkhU;k;ewfrZ jaxjktu lfefr ds xBu ij vfèklwpukA

21- 11@11@2002 lHkh chekdÙkkZvksa ds fy,] ,l-th-,iQ@lh-,l-th-,y- ys[kkvksa dk lekèkkuA

22- 12@11@2002 chek czksdjksa dh ijh{kk nsus okys vH;fFkZ;ksa dks izkf'k{k.k iznku djus dsfy, izf'k{k.k laLFkku dh lwph

23- 12@11@2002 lHkh chekdÙkkZvksa ds fy, fuxfer vfHkdÙkkZvksa dks vuqKfIr ls lacafèkruksfVl

24- 15@11@2002 losZ{kdksa vkSj gkfu czksdjksa dh ijh{kk ds fy, ikB~;Øe

25- 19@11@2002 chek czksdjksa] muds izf'k{k.k vkSj ijh{kk dh vuqKfIr

26- 25@11@2002 lkèkkj.k chekdÙkkZvksa }kjk muds izoxhZdj.k vkSj foÙkh; lhekvksa ds mi;kstuds fy, losZ{kd vkSj gkfu vlslj fofu;e] 2003 dk dk;kZUo;uA


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27- 1@12@2002 lHkh thou chekdÙkkZvksa ds fy, iQkby vkSj mi;ksx izfØ;k ls lacafèkrifji=k lañ vkbZ-vkj-Mh-,-@,l-Vh-,y-@,iQ-;w-ih-@olZu 2-0@ fnlEcj] 2001dh vuqiwfrZA

28- 4@12@2002 lHkh chekdÙkkZvksa ds fy, jftLVªhdr chek dk uohdj.k

29- 4@12@2002 lHkh chekdÙkkZvksa ds fy, ekud isa'ku ;kstuk dk vkjaHk

30- 5@12@2002 lHkh chekdÙkkZvksa }kjk izkfèkdj.k ds fy, dqy okf"kZd izhfe;e ijmn~xghr 10 izfr'kr dh NwVA©

31- 5@12@2002 lHkh izf'k{kq losZ{kdksa ds fy, lans'k vkSj chek losZ{kdksa dh ijh{kk ds fy,vkosnu iz:i

32- 10@12@2002 lHkh chekdÙkkZvksa ds fy, vkbZ-vkj-Mh-,- (ikfylhèkkjdksa ds fgrksa dklaj{k.k) fofu;e] 2002 ds dqN&mi&fofu;e ij chekdÙkkZvksa dk è;kuvkdf"kZr djukA

33- 12@12@2002 lkèkkj.k chekdÙkkZvksa vkSj Vh-ih-,- ds chp djkj ij lHkh lkèkkj.kchekdÙkkZvksa dks uksfVlA

34- 17@12@2002 lkèkkj.k chekdÙkkZvksa }kjk tEew&d'ehj esa tkjh chek ikfyfl;ka

35- 18@12@2002 izkfèkdj.k esa xzkgd f'kdk;rksa dk fuiVkjk djus ds fy, ,d izdks"B dsxBu ij vkns'k

36- 19@12@2002 iqu% izoxhZdj.k ds fy, vuqjksèk ij egkizcUèkd (rduhdh)] ifCydlsDVj lkèkkj.k chek daifu;ksa }kjk fd;k tk ldsxkA

37- 26@12@2002 lHkh chekdÙkkZvksa }kjk fof'k"V iz:i esa dkuwuh vkSj ys[kk foojf.k;ka nsuk

38 1@1@2003 lkèkkj.k chekdÙkkZvksa }kjk chek czksdjksa ds fy, lfEefyr ofÙkd {kfriwfrZdh :ijs[kk

39- 3@1@2003 lHkh chekdÙkkZvksa dks izkfèkdj.k }kjk Hksth xbZ f'kdk;rksa ij dh xbZ dkjZokbZvkSj lHkh chekdÙkkZvksa ds fy, chek tkx:drk vfHk;ku

40- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@003@2003 30@1@2003 lHkh chekdÙkkZvksa }kjk jsiQjy Bgjko

41- 30@1@2003 iQjojh] 2003 esa gksus okyh losZ{k.k ijh{kk ds fy, ijh{kk dk;ZØe

42- 30@1@2003 chek czksØjksa dks vuqKfIr;ka tkjh djus dk uksfVl

43- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@004@2003 14@2@2003 cSad&thou chek ds lkFk jsiQjy Bgjko

44- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@005@2003 17@2@2003 cSad&thou chek ds lkFk jsiQjy Bgjko ds fy, ifjf'k"V

45- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 18@2@2003 ebZ] 2004 rd Vh-ih-,- ds lh-bZ-vks-@lh-,-vks- }kjk ,lksfl,Vf'ki ijh{kk006@2003 mÙkh.kZ djus ds fy, le;&lhek dk foLrkj.k

46- vkbZ-,u-oh-@lh-vkbZ-vkj-@ 18@2@2003 chek vfèkfu;e] 1938 dh èkkjk 28(2d)] 28([k)@28[k (3) ds001@2002&03 vèkhu vuqikyu izek.ki=k izLrqr djus ds laca/ esa lHkh chekdÙkkZvksa dks

ifji=k

47- vkbZ-,u-oh-@lh-vkbZ-vkj-@007@2003 18@2@2003 fofuèkku iksVZiQksfy;ks ij C;kSjs nsus ds fy, lHkh chekdÙkkZvksa dks uksfVl

48- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 26@2@2003 lHkh chekdÙkkZvksa dks ikjLifjd fufèk fofuèkkuksa ds fy, ekxn'kZd007@2003 fl¼kar ij ifji=k

49- 5@3@2003 vuqKfIr ds fy, uksfVl vkSj 31 ekpZ] 2004 rd psatvksoj ds vuqjksèkds izoxhZdr losZ{kdksa }kjk izkfèkdj.k dks izLrqr fd;k tkuk


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50- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@008@2003 10@3@2003 lkèkkj.k chekdÙkkZvksa }kjk izkfèkdj.k ds ikl chekdÙkkZ vkSj Vh-ih-,- djkjdh izfr dh iQkby fd;k tkuk

51- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@009@2003 11@3@2003 lHkh lkèkkj.k chek ikfyfl;ksa ds fy, lsok dj

52 17@3@2003 lHkh vuqKIr czksdjksa }kjk izkfèkdj.k dh ekfld foofj.k;ksa dk izLrqr fd;ktkuk ftlesa czksdj dk uke] dkjckj dk izdkj] izkIr nykyh vkSj izkfèkdj.kdks lHkh czksdjksa }kjk fd;k x;k dksbZ Hkh lank; gksxkA

53- 16@3@2003 chek vfèkfu;e] 1938 dh èkkjk 64 ;w-,l- (4) ds vèkhu vksfj;aVy chekdaiuh fyfeVsM dks eSlZl dwa?kk eSjhu mRikn] iksUukviMkuxj] uxjdk;ydks tkjh eSjhu gqy ikfylh ds vèkhu nkf;Roksa ds fuoZgu ds fy, funs'knsus okyk vkns'k

54 vkbZ-vkj-Mh-,-@,-lh-Vh-,y@ 20@3@2003 O;f"Vd isa'ku mRiknksa ds vèkhu lax.kuk ij lHkh thou chekdÙkkZvksa ds001@2003 fy, ifji=k

55- 22@3@2003 lkèkkj.k chekdÙkkZvksa ds fy, dkjckj ds vfXu vkSj bathfu;fjax oxZ dslacaèk esa fofu;e [k esa ;Fkkfofgr ikfjJfed ds vfèkekuksa ds mikarj.k ijvkbZ-vkj-Mh-,- vfèklwpuk

56- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@010@2003 27@3@2003 lHkh thou chekdÙkkZvksa }kjk iQkby vkSj mi;ksx dh izfØ;k

57- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@011@2003 27@3@2003 lHkh lkèkkj.k chekdÙkkZvksa }kjk iQkby vkSj mi;ksx dh izfØ;k

58- 28@3@2003 uxsfVo vkjf{kfr;ksa ds fu#i.k ds ckjs esa ,u-,e-oh-&21 vkSj ,u-,y-oh-&2 fooj.kksa ij thou chekdÙkkZvksa ds lHkh fu;qDr chekaddksa dks i=kO;ogkj

59- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 30@3@2003 lkèkkj.k chekdÙkkZvksa dks ifji=k & lekèkku fooj.k dh rS;kjh & lHkh012@2003 chekdÙkkZvksa ds fy, fofuèkku dk Ø; vkSj foØ;

60- 30@3@2003 iz:i 1] fofuèkkuksa ds fooj.k vkSj fofuèkku ij vk; ij lHkh chekdÙkkZvksadks ifji=k

61- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 7@4@2003 lHkh chekdÙkkZvksa ds fy, foÙkh; fooj.k rS;kj djus ds fy, ys[kkadu013@2003 fl¼kar ij ifji=k

62- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 16@4@2003 lHkh chekdÙkkZvksa ds fy, thou chek ifj"kn ds vè;{k ds :i esa014@2003 lnL; (chekadd) dh fu;qfDr ds fy, vfèklwpuk

63- 16@4@2003 vkbZ-vkj-Mh-,- (chekadd fjiksVZ vkSj lkj) fofu;e] 2000 ds izk:i ,y-oh-&4 ij lHkh chekdÙkkZvksa dks ifji=k

64- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 17@4@2003 fjyk;al lkèkkj.k chek dEiuh fyfeVsM ds fo#¼ chek vfèkfu;e]015@2003 1938 dh èkkjk 105[k ds vèkhu 'kkfLr mnxghr djus ds fy, vkns'k

65- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 23@4@2003 lkèkkj.k chekdÙkkZvksa }kjk fiNys foÙkh; o"kZ 2002&03 ds nkSjku fofHkUu016@2003 iSjkehVjksa vkSj pkyw o"kZ 2003&04 ds fy, ;kstuk ds lacaèk esa vkbZ-vkj-

Mh-,- dks izLrqrhdj.k

66- 29@4@2003 foÙkh; fooj.k&thou dks rS;kj djus ds fy, thou chekdÙkkZvksa }kjkmBk, x, eqíksa dks Li"V djus okyk ifji=k

67- 29@4@2003 foÙkh; fooj.k&lkèkkj.k dks rS;kj djus ij lkèkkj.k chekdÙkkZvksa }kjk mBk,x, eqn~nksa dks Li"V djus okyk ifji=k

68- 8@5@2003 vkbZ-vkj-Mh-,- vfèkfu;e] 1999 dh èkkjk 14 ds vèkhu vksfj;aVy chekdaiuh fyfeVsM dk lkewfgd chek ikfylh ds vèkhu nkos dk eSllZ vkj-Vh- ,DliksVZ eqcbZ dk lank; djus dk vkns'k


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69- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 9@5@2003 lHkh chekdÙkkZvksa ds fy, daiuh (deZpkfj;ksa dh fof'k"V;ka) fu;e]017@2003 1975 ds lkFk ifBr daiuh vfèkfu;e] 1936 dh èkkjk 217(2ad)(d) ds

vèkhu ;Fkkvisf{kr lHkh O;fDr;ksa dh ,slh jkf'k ls vfèkd lanÙk ikfjJfeddh fof'k"V;ksa nsus ds fy, chekdÙkkZvksa ls dgus okyk vkns'k

70- 16@5@2003 foÙkh; fooj.k&lkèkkj.k ds rS;kj djus ij lkèkkj.k chekdÙkkZ }kjk mBk,x, eqn~ns dks Li"V djus okyh rkjh[k 29 vizSy] 2003 ds ifji=k ij'kqf¼i=k

71- 19@5@2003 ;wfuV ikfyfl;ksa ds foØ; lkfgR; ds izHkkjksa ds izdk'ku ij lHkh thouchekdÙkkZvksa dks uksfVl

72- ,-lh-Vh-Vh-@,-,-@ifji=k 23@5@2003 fu;qDr chekadd dks tkjh fd, tkus okys fu;qfDri=k izk:i dks layXudjus ds fy, thou chekdÙkkZvksa dks ifji=k

73- 23@5@2003 ?kjsyw iSdst ikfylh ds vèkhu izFke gkfu ds vkèkkj ij vfXu chek dkslfEefyr djus ds fy, lHkh lkèkkj.k chekdÙkkZvksa dks ifji=k

74- 24@5@2003 izoxhZdr losZ{kdksa vkSj gkfu vlsljksa dh iqujhf{kr foÙkh; lhekvksa dks nsusds fy, lkèkkj.k chekdÙkkZvksa dks uksfVl

75- 25@5@2003 mRiknksa dh fu%'kqYd cktkj miy{;rk dks izkIr djus ds fodYiksa ij fopkjdjus vkSj lkèkkj.k chekdÙkkZvksa dks fofHkUu VSfjiQksa ds fy, fd, tkus okysmik;ksa ds fy, izkfèkdj.k dks lq>ko nsus gsrq fo'ks"kK lfefr ds vè;{k ds:i esa ,l-oh- eksuh dks fu;qDr djus okyk vkns'k

76- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 30@5@2003 czksdjksa dks lans; ikfjJfed@deh'ku ds ekunaMksa ij vkbZ-vkj-Mh-,- dh019@2003 rkjh[k 22 ekpZ] 2003 dh vfèklwpuk dk mikarj.k

77- 2@6@2003 chek vfèkfu;e] 1938 dh èkkjk 64 ;w ,e (4) ds vèkhu U;w bafM;k,';ksjsal daiuh fyfeVsM dks eSlZt ts-ih- ,DliksVZ] jsfuxqaVk dks tkjh vfXuchek ikfylh ds vèkhu nkf;Ro dk fuoZgu djus dk funs'k nsus okykvkns'k

78- 2@6@2003 chek vfèkfu;e] 1938 dh èkkjk 102 ds vèkhu vksfj;aVy ,';ksjsal daiuhfyñ dks eSllZ vkj-Vh- ,DliksVZ] eqacbZ dks tkjh lkeqfgd ikfylh ds vèkhunkf;Ro dk fuoZgu djus dk funs'k nsus okyk vkns'k

79- 6@6@2003 fjyk;al lkèkkj.k chek daiuh fyfeVsM ds fo#¼ 'kkfLr dks fo[kafMr djusokyk vkns'k vkSj rkjh[k 17 vizSy] 2003 ds vkns'k dks okil fy;k x;kle>k tkus okyk vkns'kA

80- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 9@6@2003 czksdjksa ds ikfjJfed ds ekunaMksa ij rkjh[k 30 ebZ] 2003 dh vkbZ-vkj020@2003 Mh-,- dh vfèklwpuk vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@019@2003 ij Li"Vhdj.k

81- 9@6@2003 Jh ,uñ jaxkpkjh] vè;{k] vkbZ-vkj-Mh-,- ds in NksM+us ds ckjs esa vfèklwpuk

82- 10@6@2003 Jh lhñ,lñ jko] vè;{k] vkbZ-vkj-Mh-,- dk inHkkj laHkkyus ds ckjs esavfèklwpuk

83- 20@6@2003 vxLr] 2003 ekl esa gksus okys losZ{kdksa vkSj gkfu vlsljksa dh ijh{kk lslacafèkr uksfVl

84- 26@6@2003 chekadd fjiksVZ vkSj lkj dks izLrqr djus ds ckjs esa lHkh thou chekdÙkkZvksadks uksfVl

85- 4@7@2003 daiuh dh osclkbV ij izhfe;e laxBd dh lqfoèkk ds lkFk izhfe;e njksadks Mkyus ds fy, lHkh thou chekdÙkkZvksa dks uksfVl


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86- 4@7@2003 lHkh thou chekdÙkkZvksa ds fy, fu;qDr chekadd okf"kZd fjiksVZ ds ckjs esaLi"Vhdj.k

87- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 9@6@2003 chek czksdjksa dks lans; ikfjJfed@deh'ku ds ekunaMksa ij rkjh[k 30 ebZ]021@2003 2003 dh vkbZvkjMh, vfèklwpuk vkbZvkjMh,@lhvkbvkj@019@2003 dk

LFkxu

88- 17@7@2003 chek tkx:drk vfHk;ku

89- 23@7@2003 chekdÙkkZvksa ds bZfDoVh èkkj.k iSVuZ ds C;kSjs izLrqr djus ds fy, ifji=k

90- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 15@8@2003 O;kid iSdst ikfylh & lhih,e miLdj chek ikfylh dks tkjh djus dh022@2003 vuqKk ds fy, lHkh xSj&thou chekdÙkkZvksa ds fy, ifji=k

91- vkbZ-vkj-Mh-,-@,-,iQ-,-@ 8@8@2003 foÙkh; o"kZ 2002&03 ds fy, ys[kkvksa dks vafre :i fn, tkus &01@8@2003&04 ifCyd lsDVj lkèkkj.k chekdÙkkZvksa dks nh xbZ NwV

92- vkbZ-vkj-Mh-,-@ykbiQ@ 28@3@2003 lHkh thou chekdÙkkZvksa }kjk ewY;kadu dh rkjh[k ds lkFk ;wfuV thou001@2003 chek ikfylh ds uohure ,u,oh dk izn'kZu

93- vkbZ-vkj-Mh-,-@lh-vkbZ-vkj-@ 1@9@2003 lkèkkj.k chek dkjckj&funs'k fucaèku esa chek czksdjksa] vfHkdÙkkZvksa vkSj023@2003 vU; eè;ofrZ;ksa ds ikfjJfed <kaps dh leh{kk ds fy, fo'ks"kK lfefr ds

xBu ij vkbZvkjMh, vkns'k

94- vkbZ-vkj-Mh-,-@,l-Vh-,iQ-@ 2@9@2003 lkewfgd chek Ldhe ds vèkhu ykHk foHkktu@jsfVax dh Vhdk&fVIif.k;ksa,iQ-;w-ih-@ih-bZ-vkj-,-@vxLr@2003 ds fy, ifji=k

95- 12@9@2003 chek czksdjksa vkSj chek vfHkdrkZvksa ds fy, fo'ks"k NwV dh i¼fr vkSjikfjJfed ls lacafèkr eqn~nksa ij fo'ks"kK lfefr dh Vhdk&fVIif.k;ksa dsfy, ifji=k

96- vkbZ-vkj-Mh-,-@,l-Vh-,iQ-@5101 18@9@2003 lHkh thou chekdÙkkZvksa ds fy, jkbMj@jkbMj iQk;nksa ij Li"Vhdj.k

97- 28@9@2003 lHkh izf'k{kqvksa losZ{kdksa dks uksfVl

98- vkbZ-vkj-Mh-,-@vkbZ-,u-oh-@ 2@9@2003 chek vfèkfu;e] 1938 dh èkkjk 7 ds ckjs esa lHkh chekdÙkkZvksa ds fy,005@2003&04 ifji=k

99- 23@10@2003 vkbZvkjMh, (chekdÙkkZvksa dh vkfLÙk;ka] nkf;Ro vkSj 'kksèku&{kerk ekftZu)fofu;e] 2003 ds vèkhu fu;qDr chekadd ls vkbZch,uvkj Li"Vhdj.k dslkFk fooj.k izLrqr djus ds fy, lHkh lkèkkj.k chekdÙkkZvksa ds fy,ifji=k

100- vkbZ-vkj-Mh-,-@,iQ-,-@ 29@10@2003 chekdÙkkZvksa }kjk foÙkh; fooj.k rS;kj djus ls lacafèkr fofu;eksa ds ckjs01@10@2003&04 esa lHkh chekdÙkkZvksa dks ifji=k

101- vkbZ-vkj-Mh-,-@,dy@02@10@2003&04 29@10@2003 thou chekdÙkkZvksa }kjk fufèk;ksa ds varj.k ds ckjs esa ifji=k

102- 30@10@03 Jh eSF;w oxhZl ds iw.kZdkfyd lnL; ds :i dk;ZHkkj laHkkyus ij lHkhchekdÙkkZvksa dks ifji=k


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(x) izkfèkdj.k }kjk izR;k;ksftr 'kfDr;ka vkSj ÑR;

vfHkdÙkkZvksa dks ykblsal nsus dh izfØ;k dks ljy cukus dsfy, izkfèkdj.k us osclkbV ds ekè;e ls vfHkdÙkkZvksa dksykblsal nsus ds fy, izfØ;k fofgr dh gS vkSj chekdÙkkZvksa usvius&vius fofufnZ"V vfèkdkfj;ksa dks inkfHkfgr fd;k gS tksbl lqfoèkk ds fy, vkbZ-vkj-Mh-,- osclkbV ij igqap ldsaAvkSj izfØ;k dks ljy cukus gsrq] izkfèkdj.k us chekdÙkkZvksa dksykblsal ds fu;fefrdj.k ds fy, ml n'kk esa 'kfDr;ka HkhizR;k;ksftr dh gSaA tgka uohdj.k vkosnu dks iQkby djus esafoyac gks x;k gks vkSj chekdÙkkZ dk ;g lekèkku gks tkrk gSfd vkosnd ds ikl foyac ds fy, okLrfod dkj.k Fks]dsoy ml n'kk esa] tgka bl lacaèk esa chekdÙkkZ dk lekèkkuugha gksrk gS] ogka vkosnu izkfèkdj.k dks Hkstk tkuk gksrk gSAvfHkdÙkkZvksa dks ykblsal nsus dh iz.kkyh vPNh rjg ls dk;Zdj jgh gS D;ksafd bls rhu o"kZ igys vkjaHk fd;k x;k FkkA

vkbZ-vkj-Mh-,- (fu;fer vfHkdÙkkZvksa dks ykblsal) fofu;e]2002 dh vfèklwpuk esa] lHkh chekdÙkkZvksa dks lwfpr fd;kx;k gS fd O;f"Vd vfHkdÙkkZ ykblsal nsus ds fy, mÙkjnk;hinkfHkfgr O;fDr vc ls fu;fer vfHkdj.k ykblsal tkjhdjus ds fy, le{k vfèkdkjh Hkh gks ldrk gSA

(xi) chek vfèkfu;e] 1938 dk la'kksèku

chek (la'kksèku) foèks;d] laln~ ds nksuksa lnuksa esa cgqr nsj dsckn ikfjr gqvk vkSj 23 flracj] 2002 dks vfèklwfpr fd;kx;kA vfèkfu;e esa lfEefyr fd, x, eq[; la'kksèkuksa esafuEufyf[kr lfEefyr gSaA

1. chek dkjckj djus ds fy, lgdkjh lkslkbfV;ksadks ekU;rk

la'kksèku fo'ks"kdj chek dkjckj djus okyh lgdkfj;ksa dksxfBr djus dk micaèk djrs gSaA lgdkfj;ka vU; vkosndksa ds:i esa mudks leknu iwath vis{kk] 'kksèku&{kerk vis{kk]Hkkjrh; fjtoZ cSad esa tek] ys[kkvksa dks cuk, j[kuk] laijh{kkmRikn ds vè;èkhu gksxhA

laforjd izR;; ds fØ;kdyki esa yxs gksus vkSj xzkeh.k cktkjls tqMs gksus ds dkj.k@lgdkfj;ksa ls ;g vis{kk dh tkrh gS fdos xzkeh.k {ks=kksa dks chek doj esa izsjd djus esa lgk;rk djsaxsA

2. fu;fer vfHkdj.kksa ds fy, mikarfjr izf'k{k.kvis{kk,afu;fer vfHkdj.k dk dkjckj vkjaHk djuk pkgus okyhdaiuh@iQeZ ds lHkh funs'kd ;k izèkku vfèkdkjh ls izf'k{k.kij tkus vkSj mikarfjr visf{kr ijh{kk mÙkh.kZ djus ds funs'kdh vis{kk dh tkrh gS tSlk fd visf{kr vgZrk dks iwjk djusds fy, fu;fer vfHkdj.k ds inkfHkfgr vfèkdkjh dks vuqKkrfd;k x;k gSA fuxfer vfHkdj.k dkjckj dh of¼ esa #dkoVksadks nwj djus ds fy, la'kksèkuksa dks lfEefyr fd;k x;k FkkvkSj blesa chek eè;ofrZ;ksa ds :i esa cSadksa ds izos'k ds fy,rFkk cspus vkSj forfjr djus ds fy, ?kVh gqbZ ykxr ij chekmRiknksa ds forj.k dks lqdj cukus ds fy, Hkh ,d jkLrk rS;kjfd;k x;k gSA fu;fer vfHkdj.k iz.kkyh ls vk'kk dh tkrh gSfd og okf.kfT;d LFkkiuksa ls dkjckj mikIr djus esa egÙoiw.kZHkwfedk fuHkk, vkSj ;g Hkh vk'kk dh tkrh gS fd os xSj&thoudkjckj ds fodkl dh vfHkof¼ esa lgk;rk djsA

3. chek cktkj esa czksdjksa dk izos'k^^chek eè;orhZ**] ftlesa chek czksdj vkSj ijke'kZd Hkh gSa]dks ikfjJfed ds :i esa lanÙk fd, tkus ds fy, chekÑr lsizkIr izhfe;e ds Hkkx dh vuqKk okys chek vfèkfu;e dhèkkjk 40 dks mikarfjr fd;k x;k gSA czksdjksa ls vk'kk dh tkrhgS fd os fo'o i¼fr;ksa vkSj vuqHko ij vkèkkfjr izpfyrikfyfl;ksa dh fMtkbu cukdj vkSj cktkj dks leFkZ djdscktkj esa izos'k djus ds fy, lqèkkj djsaA chek dkjckj dslapkyu esa n{krk dh Hkh vk'kk dh tkrh gS ftlls fdlaO;ogkj ykxr dk vuqikr uhpk gksus ds dkj.k lqèkkj fd;ktk lds D;ksafd ;k rks vfHkdj.k dk deh'ku ;k nykyh dklank; fd, x, laO;ogkj ij fd;k tkrk gSA tSlk fd tksf[kedoj dks foLrr vuqlaèkku vkSj tksf[ke ij vkèkkfjr fd,tkus dh vk'kk dh tk ldrh gS vkSj czksdj vius xzkgd vkSjchekdÙkkZ dk izfrfufèk gS blls xzkgdksa dks nh xbZ lsok dhDokfyVh esa lqèkkj gksxk ftlesa nkoksa ds 'kh?kz fuiVku lslacafèkr lsok Hkh lfEefyr gSA

4. chek vfèkfu;e] 1938 dh èkkjk 49 dk mikarj.k

;g èkkjk ikfylhèkkjdksa vkSj 'ks;jèkkjdksa ds lkE;kiw.kZ fooj.kdks lqfuf'pr djus ds fy, mikarfjr dh xbZ gSA la'kksèku'ks;jèkkjdksa ds chekafdd vfèk'ks"k] xSj&Hkkx ysus okyh ikfylhdh n'kk esa 100 izfr'kr vkSj Hkkx ysus okyh ikfyfl;ksa dh


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n'kk esa ,sls vfèk'ks"k ds 10 izfr'kr ls vfèkd (la'kksèku lsiwoZ 7-5 izfr'kr) dh gdnkjksa ds fy, micaèk djrk gSA

5. chek vfèkfu;e] 1938 dh èkkjk 64iQ[k esa la'kksèku

;g èkkjk bl ewy vis{kk esa ifjorZu fd, fcuk fd izhfe;eblesa lfEefyr chekdÙkkZvksa ds vuqnku ls iwoZ lanÙk fd;ktkuk pkfg,] izhfe;e dh lank; dh i¼fr fofgr djus dsfy, izkfèkdj.k dks lqdj cukus ds fy, la'kksfèkr dh xbZ gSAla'kksèku ls cSad izR;;@fodyu dkMZ ;k baVjusV ds ekè;e lsizhfe;e dk lank; lqdj gks x;k gS vkSj izhfe;e ds lank; dhi¼fr xzkgdksa dks vklkuh ls miyCèk gks xbZ gSA

(xii) iQly chek

Ñf"k izÑfr dh ,d <+ky gS D;ksafd ;g O;kid :i ls] lhèksvkSj fujUrj izÑfr ds laidZ esa jgrh gS tks bls ,d tksf[kem|e cukrh gSA rFkkfi] Hkkjr esa ,slk ,dhÑr tksf[ke izcaèkvfHkxe dk vHkko gS ftls fodflr ns'kksa }kjk vaxhdkj fd;kx;k gSA ftlesa Ñf"k m|ksx dks fLFkj djus ds fy, chek dkmi;ksx lfEefyr gSA vfèkdka'k fodflr ns'kksa esa] chek lEiwjdxfrfofèk;ksa dks flapkbZ] ty fudklh] Hkwfe lqèkkj vkSj ,dvksj Ñf"k mRikndrk esa of¼ djus okys vU; lkèkuksa rFkknwljh vksj dher rFkk vU; vk; leFkZd mik; tSls ,sls igyds ekè;e ls Ñf"k ds vkèkkj dks etcwr cukus ds fy,fMtkbu fd;k x;k gSA

gky gh esa] lkèkkj.k chek fuxe (thvkbZlh) ns'k esaa dsoy,d ,slh bZdkbZ gS ftlus jk"Vªh; Ñf"k chek Ldhe ds lkFkiQly chek dks is'k fd;k gSA vkt rd lHkh iQly chekLdhesa lewg chek Ldheksa tSlh gks xbZ gSa ftudk mís'; cSadksals fdlkuksa dks ½.k fnykuk gSA bl [kaM esa O;frØe dh n'kkesa] chek ds fy, chek dh xkjaVh ds fo#¼ miyC/ djk, tkjgs ½.kksa dh dkuwuh vis{kk ds dkj.k mRiUu gqbZ gSA

jk"Vªh; iQly chek Ldhe dk mís'; fof'kf"Vr;k ?kksj foifÙkds le; [ksrh vk; dks fLFkj djus esa lgk;rk djus ds fy,izxfr'khy [ksrh i¼fr] mPp ewY; okys fuos'k vkSj Ñf"k esamPprj izkS|ksfxdh dks vaxhdkj djus ds fy, fdlkuksa dksizksRlkfgr djus ds vfrfjDr] izkÑfrd foinkvksa] uk'kd thoekjvkSj chekjh dh n'kk esa fdlkuksa dks chek esa lfEefyr djukvkSj foÙkh; lgk;rk nsuk gSA lfEefyr dh xbZ iQlysa O;kid:i ls ,sls lewgksa esa vkrh gSa ftuds fy, & (i) iQly dVkbZ

iz;ksx ij vkèkkfjr fiNyk iQly MkVk i;kZIr :i ls vusdo"kks± ds fy, miyCèk gS vkSj (ii) iQly dVkbZ iz;ksx dhvisf{kr la[;k izLrkfor ekSle ds nkSjku iQly ds izkDdyuds fy, miyCèk gS vkSj ftlds varxZr [kk| iQly (èkku]cktjk vkSj nkysa) frygu] xUuk vkSj :bZ vkSj vkyw (okf"kZdokf.kfT;d@okf"kZd ckxokuh Ñf"k) lfEefyr gSA fiNys iQlyMkVk dh miyH;rk ds vèkhu jgrs gq,] vU; okf"kZdokf.kfT;d@okf"kZd ckxokuh iQlyksa dks vxys rhu o"kks± rdLdhe ds vèkhu lfEefyr fd, tkus dk izLrko gSA rFkkfi],slh iQlysa] ftUgsa vkxkeh o"kZ esa lfEefyr fd;k tk,xk]iwoZoÙkhZ o"kZ dh lekfIr ls iwoZ mudh igpku dh tk,xhA

Ldhe esa ,sls lHkh fdlkuksa dks lfEefyr fd;k tkrk gS tksvfèklwfpr iQly mxkrs gSa vkSj foÙkh; laLFkkuksa] vFkkZr~ vfuok;Zvkèkkj ij dtZnkj] fdlku ls ekSle Ñf"k izpkyu ½.k izkIrdj jgs gSaA blesa lHkh fdlkuksa dks tks LoSfPNd vkèkkj ijLdhe dks pqurs gSa] lfEefyr fd;k tkrk gS tks vfèklwfpriQly (vFkkZr~ xSj&dtZnkj fdlku) dks mxkrs gSaA O;kidtksf[ke chek xSj&fujksèk tksf[ke esa] vFkkZr~ i) izkÑfrd vfXuvkSj fctyh_ ii) >a>kjckr] vksykof"V] rwiQku] izp.M rwiQku]minzo] iykou] co.Mj vkfn_ iii) ck<+] iykou vkSj HkwL[kyu_iv) lw[kk] 'kq"d gok_ vkSj v) uk'kd thou@chekjh vkfn dsdkj.k iQly gkfu dks lfEefyr djus dk micaèk fd;k x;k gSA

chekÑr jkf'k dks chekÑr iQly ds }kjk mlds ewY; dkschekÑr fdlkuksa ds fopkj ij c<+k;k tk ldsxkA rFkkfi]fdlku okf.kfT;d njksa ds izhfe;e ds lank; ij vfèklwfpr{ks=k dh vkSlr [ksrh ds 150 izfr'kr rd iQly }kjk Lrj dsewY; ds] viuh iQly dk chek dj ldrk gSA dtZnkjfdlkuksa dh n'kk esa] chekÑr jkf'k dks iQly oj.k vfxze dhjde ds cjkcj fn, tkus dh vko';drk gSA Hkkjr ljdkjvkSj jkT;@la?k jkT; {ks=k ljdkj }kjk cjkcj foHkkftr fd,tkus okys NksVs vkSj mikafrd fdlkuksa ds lacaèk esa izhfe;e esa50 izfr'kr dh lgk;dh vuqKkr gSA izhfe;e lgk;dh dksfoÙkh; ifj.kke ds iqufoZyksdu vkSj fdlkuksa ds izR;qÙkj dsvèkhu jgrs gq,] rhu ls ikap o"kZ dh vofèk esa lulsV vkèkkjij lekIr fd;k tk,xkA

èkku] cktjk] nkyksa vkSj fryguksa dh n'kk esa] chekafdd iz.kkyhesa ifjorZu Ldhe ds dk;kZUo;u ls ikap o"kZ dh vofèk esafd;k tkrk gSA chekafdd njsa jkT; ljdkjksa@la?k jkT; {ks=k ds


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fodYi ij ftyk@{ks=kh;@jkT; Lrj ij ykxw gksaxhA Hk;adj gkfudks iwjk djus ds fy,] 50%50 ds vkèkkj ij Hkkjr ljdkj vkSjjkT; ljdkj@la?k jkT; {ks=k ds va'knku ls ,d dkiZl fufèklftr dh xbZ gSA vkink lgk;rk fufèk ds ,d Hkkx dkmi;ksx dkiZl fufèk esa va'knku djus ds fy, fd;k tkrk gSAiQly chek Ldheksa ds foÙkh; ifj.kke doj fd, x, tksf[kedh chekafdd dh laHkkO;rk dk Bhd ls izkDDyu djus dsfy, chekdÙkkZvksa@izfrikndksa dh vliQyrk dks nf'kZr djrkgSA lanÙk nkos ,df=kr izhfe;e ls Ng xquk vfèkd gSA

ljdkj dh èkkj.kk gS fd Ñf"k chek ns'k esa ,d egku Hkwfedkvnk dj jgh gS cfYd u dsoy bl lsDVj dk th-Mh-ih- esamPp va'knku gS vfirq vfèkdrj tula[;k Ñf"k vkSj mllslgc¼ dk;Z esa yxh gqbZ gSA bl fof'k"V {ks=k dks lfEefyrdjus dh n`f"V ls] Ñf"k chek daiuh dk lkèkkj.k thou chekdaiuh }kjk (35 izfr'kr bZfDoVh) jk"Vªh; Ñf"k vkSj xzkeh.kfodkl cSad (30 izfr'kr bZfDoVh LVst) vkSj pkj ifCydlsDVj vkSj thou chekdÙkkZvksa] vFkkZr jk"Vªh; chek daiuhfyñ] vksfj;aVy chek daiuh fyñ] U;w bafM;k ,';ksjsal dañ fyñvkSj ;wukbVsM bafM;k ba';ksjal dañ fyñ }kjk 8-75 izfr'krbZfDoVh LVsd dh lhek dks pkyw fd;k x;k gSA ,-vkbZ-lh- dkm¼s'; Ñf"k vkSj mlls lgc¼ fØ;kdykiksa esa yxs O;fDr;ksadks chek mRiknksa vkSj vU; lgk;d lsokvksa ds ekè;e lsfoÙkh; lqj{kk iznku djuk gSA ,-vkbZ-lh-] ftls dsoy iQlychek dkjckj dks iwjk djus ds fy, ykblsal fn;k x;k gS] dks29 vDrwcj] 2003 dks jftLVªhÑr fd;k x;k FkkA daiuh dksHkkjr ljdkj dh jk"Vªh; Ñf"k chek Ldhe ds dk;kZUo;u dksizLrkfor djus ds fy, vkjaHk fd;k x;k ftls vc lkèkkj.kchek fuxe }kjk dk;kZfUor fd;k tk jgk gSA Ldhe ds vèkhu]izkÑfrd vfXu vkSj fctyh_ >a>kokr_ vksykof"V] rwiQku]izp.M rwiQku] minzo] izHkatu] co.Mj vkfn_ ck<+] Ikykou vkSjHkwL[kyu_ lw[kk] 'kq"d gok_ uk'kd tho@chekjh vkfn tSls xSj&fuokjd tksf[keksa ds dkj.k mRiUu gq, iQly gkfu dks lfEefyrdjus ds fy, O;kid tksf[ke chek dk micaèk fd;k tk,xkA

Ldhe lHkh fdlkuksa (oj.kh vkSj xSj&oj.kh) dks] muds èkkj.kdjus ds vkdkj dks è;ku esa yk, fcuk] miyCèk gksxhA LdhelHkh iQlyksa] ftlesa èkku] nkysa vkSj frygu Hkh gSa dkslfEefyr djus ds fy, ifjdfYir gSA ;g izLrko fd;k tkrkgS fd rhu udnh iQly vFkkZr~ xUuk] vkyw vkSj :bZ] Ldheds izpkyu ds izFke o"kZ esa lfEefyr dh tk,axh_ vkSj lHkhvU; okf"kZd ckxckuh vkSj okf.kfT;d iQlyksa dks] fiNys

iQly vkadM+sa dh miyH;rk ds vèkhu jgrs gq,] vxys rhuo"kks± ds Hkhrj chek doj ds vèkhu j[kk tk,xkA

iQly chek ds fy, doj iznku djus ds funs'k esa nwljs mik;ds :i esa] gky gh esa ,d u, chekdÙkkZ vkbZ-lh-vkbZ-lh-vkbZ-yksecMZ us fo'o cSad vkSj vkbZ-,-lhds leFkZu ls ^^of"Vchek** dks ifjdfYir vkSj izfrekfur fd;k gS rFkk iquchZekdh bPNk dh gSA fdlkuksa us chek ikfylh ds ewy :i dksljkgk gS tSlk fd ;g muds vuqHko ds ckjs esa O;Dr djrh gSfd laiw.kZ ekSfleh esa o"kkZ dk forj.k iQly ds fy, cgqrvf/d gSA

(xiii) ½.k chekmnkjhdj.k dk vFkZ gS] lHkh m|eh ds Ø;kdykiksa esa dM+hizfr;ksfxrk ftlesa dsoy loksZÙke gh fVd ldsxkA bu ifjfLFkfr;ksaesa] ns'kksa ds chp vfèkd O;kikj gksxkA fu;kZr vkns'k izkIr djusds fy, xq.koÙkk vkSj dher ds vkikr ^½.k* Hkh ,degÙoiw.kZ Hkwfedk fuHkk,xkA ½.k] fu;kZr O;kikj esa of¼ djusesa egÙoiw.kZ vkStkj cuus ds lkFk gh fu;kZr laO;ogkj esalank; tksf[ke dks Hkh c<+krk gSA oSf'od vFkZO;oLFkk esavkewy jktuhfrd vkSj vkfFkZd ifjorZuksa ds dkj.k vkt ;gtksf[ke cgqr vfèkd c<+ x;k gSA

,slh ifjfLFkfr;ksa esa] fu;kZr ½.k chek (bZñlhñvkbZñ) dhvko';drk eglwl dh tkrh gS vkSj ljdkjh m|e Hkkjrh;fu;kZr ½.k izR;kHkwfr fuxe (bZñlhñthñlhñ) bl fn'kk esafu;kZrdÙkkZvksa ds fy, vk'kk dh ,d fdj.k gSA bZñlhñthñlhñfu;kZrdÙkkZvksa dks ekyksa vkSj lsokvksa ds fu;kZr esas gkfu ds izfrvusd izdkj ds ½.k tksf[ke chek doj dk] fu;kZrdÙkkZvksadks csgrj lqfoèkk,a fn, tkus ds fy, cSadksa@foÙkh; laLFkkvksa dksizR;kHkwfr dk izLrko djrk gS vkSj lkE;k@½.k ds :i esala;qDr m|eksa esa fuos'k djus okyh Hkkjrh; daifu;ksa dks fons'kfuos'k chek miyCèk djkrk gSA

bZñlhñthñlhñ dks fofHkUu izdkj ds chek doj fu;kZr laO;ogkjksaesa tksf[ke dks lekIr djrs gSa] ftlls fu;kZrdÙkkZ viusdkjckj ds fodkl] ubZ oLrqvksa ds lkFk m|e vkSj u, cktkjksadh [kkst ij viuk è;ku dsfUnzr dj ldrs gSaA blds vfrfjDr]bZñlhñthñlhñ] fu;kZrdÙkkZvksa dks iwoZ vkSj i'p&iksrÙknku nksuksa

gh izØeksa ij cSadksa ls dk;Zdj.k iwath dh vis{kkvksa dks iwjk

djus esa leFkZ cukus ds fy, vkSj mUgsa le; ij i;kZIr foÙkizkIr djus ds fy, fofHkUu izdkj dh cSad izR;kHkwfr;ka nsrk gSA


3rd

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244

½.k tksf[ke fy, fcuk dksbZ fojyk daiuh gh izfr;ksfxrk esa

cuh jg ldrh gS vr%] tksf[ke izcaèk dks vkèkqfud foÙkh;

fu;a=k.k esa ,d vifjgk;Zdkjd ds :i esa ekU;rk nh xbZ gSA

fnokfy;kiu ;k O;fDrØe ls foÙkh; gkfu] fons'kh dkjckj ds

ekeys esa jktuhfrd tksf[ke] udn lank; esa foyac] tSls tksf[ke

fdlh daiuh ds udn izokg dks okafNr dj ldrs gSaA ;|fi

½.k chek] ½.k izya?k dk LFkku ugha ys ldrk] fdUrq ;g

lfØ; :i ls loksZÙke ½.k izcaèku O;ogkjksa dks c<+kok nsrk gSA

Hkkjr ljdkj us ½.k ij fu;kZr djus ds tksf[ke dks chek

doj nsdj fu;kZr laoèkZu vfHk;ku dks l'kDr djus ds fy,

o"kZ 1957 esa Hkkjrh; fu;kZr ½.k izR;kHkwfr fuxe fyfeVsM dh

LFkkiuk dh FkhA bZñlhñthñlhñ] tks okf.kT; ea=kky; ds iz'kklfud

fu;a=k.k ds vèkhu dk;Z dj jgk gS] jk"Vªh; fu;kZr dks chek

doj miyCèk djkus ds fucaèkuksa esa fo'o dk ikapoka lcls

cM+k ½.k chekdÙkkZ gSA izkfèkdj.k }kjk chekdÙkkZ dks jftLVªhÑr

eatwj fd, tkus ds i'pkr~] o"kZ 2002&03 blds izpkyu dk

izFke o"kZ FkkA

(xiv) izdh.kZ

izkfèkdj.k us miHkksDrkvksa dh vk'kkvksa dks iwjk djus ds fy,

dh tkus okyh igyksa ds Hkkx :i esa miHkksDrk lykgdkj

lfefr dk xBu fd;kA blds vfrfjDr m|ksx ds <kaps ds

Hkhrj Lo% fofu;eu dks iq"V djus ds fy, Hkh mik; fd, x,

gSaA izkfèkdj.k] ns'k esa chek cktkj ds Rofjr fodkl dk

laoèkZu djus ds fy, fofHkUu laxBuksa ls tqM+k gSA bl fn'kk esa

fd, x, iz;kl laf{kIr :i ls uhps fn, x, gSaA

(d) miHkksDrk lykgdkj lfefr

miHkksDrk lykgdkj lfefr dk iz;kstu] izkfèkdj.k vkSj

ikfylhèkkjdksa ds chp chekdÙkkZvksa] vfHkdÙkkZvksa vkSj chek

eè;ofÙkZ;ksa }kjk chek lsok vkSj cktkj vkpkj ds ewy eqn~nksa ij

lkspus dk vknku&iznku djus vkSj fopkj&foe'kZ djus ds fy,

vkSipkfjd eap miyCèk djkuk gSA lfefr =kSekfld cSBdsa

djrh gS vkSj blesa miHkksDrk laxBuksa ds izfrfufèk gSaA lfefr

dh cSBdksa esa chek daifu;ksa ds vfèkdkfj;ksa ds lkFk&lkFk

izkfèkdj.k ds vfèkdkjh Hkh Hkkx ysrs gSaA

([k) chek laxe vkSj chek ifj"knsa

izkfèkdj.k us iQjojh] 2001 esa chek vfèkfu;e] 1957 dh

èkkjk 64d ds vèkhu Hkkjrh; chek laxe dh LFkkiuk dks

vfèklwfpr fd;k FkkA Hkkjr esa dkjckj dj jgs lHkh chekdÙkkZ

blds lnL; gSaA blds vfrfjDr] vfèkfu;e dh èkkjk 64x ds

vèkhu Lora=k thou chek ifj"kn~ vkSj lkèkkj.k chek ifj"kn~ dks

Hkh vfèklwfpr fd;k x;k FkkA bl le;] Hkkjrh; chek laxe]

thou chek ifj"kn~ vkSj lkèkkj.k chek ifj"kn~ ds eq[;ky;]

eqacbZ esa fLFkr gSaA vfèklwpuk ds i'pkr~ bu fudk;ksa esa

izkfèkdj.k ds izfrfufèk;ksa dks ukefunsZf'kr fd;k x;k FkkA

izkfèkdj.k us Jh ,pñvksñ lksfux] lnL; vkSj Jh izcksèk panj]

dk;Zdkjh funs'kd dks thou chek ifj"kn~ ds lnL;ksa ds :i

esa ukefunsZf'kr fd;k FkkA Jh lksfux] dk;Zdkjh lfefr ds

vè;{k Hkh FksA izkfèkdj.k us Jh vfer fe=kk dks] tks fiQDdh

ds egklfpo gSa] Hkh bl dk;Zdkjh lfefr dk lnL; ukefufnZ"V

fd;k FkkA Jh lksfux dh vfèkof"kZrk ij Jh ihñ,ñ ckyklqczkef.k;e

us mudk inHkkj xzg.k fd;k FkkA

izkfèkdj.k us Jh vkjñlhñ 'kekZ] lnL; vkSj Jh ihñ,ñ

ckyklqczkef.k;e] lnL; dks lkèkkj.k chek ifj"kn~ dh dk;Zdkjh

lfefr ds :i esa ukefufnZ"V fd;kA Jh vkjñlhñ 'kekZ] lkèkkj.k

chek ifj"kn~ dh dk;Zdkjh lfefr ds vè;{k Hkh FksA Jh r#.k

nkl] egklfpo] dkWuiQsMjs'ku vkiQ bafM;u baMLVªh dks Hkh

dk;Zdkjh lfefr ds lnL; ds :i esa ukefufnZ"V fd;k x;k

FkkA

o"kZ ds nkSjku] thou chek ifj"kn us] chekdÙkkZvksa dh foojf.k;ksa

ij fxjrh C;kt njksa dk izHkkr] fuxe vfHkdÙkkZ ra=k] nykyh

ra=k vkSj baVjusV ds ekè;e ls lhèks foØ; tSls fofHkUu forj.k

Hkkxksa vkSj cSadk';ksjsal dk m|ksx ij izHkkr tSls fo"k;ksa ij

fopkj fd;k vkSj fo'ks"kdj vkjaHk fd, tk jgs u, forj.k

Hkkxksa ds lanHkZ esa lhfer vfHkdj.k i¼fr dh Hkwfedk]

ikfylhèkkjdksa ds fy, lqj{kk fufèk ds ltu dh laHkkoukvksa

dks [kkstus] vfHktkr iqufoZyksdu lfefr dk dk;Zdj.k vkSj

chekdÙkkZvksa vkSj chek eè;ofÙkZ;ksa ds cktkj vkpkj ls lacafèkr

eqíksa ij Hkh è;ku fn;k x;k FkkA


3rd

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246

lkèkkj.k chek ifj"kn] cktkj vkpkj vkSj vPNs O;ogkj]

ikfylhèkkjdksa dks n{k lsok,a nsuk] uSfrd ckt+kj O;ogkj

viukus] eè;ofrZ;ksa ds vkpkj] chek lacaèkh lkaf[;fd;ksa dk

izlkj vkSj ,slh ?kVukvksa dks izkfèkdj.k dh lwpuk esa ykus ls]

ftuesa dksbZ chekdÙkkZ ikfylhèkkjdksa ds fgr ds izfrdwy dk;Z

djrk gS] tqM+s fo"k;ksa ij dk;Zokgh djrh gS vkSj izkfèkdj.k dks

chekdÙkkZvksa }kjk mixr izcaèk O;;ksa ls lacafèkr eqn~nksa ij

lykg nsrh gSA blds vykok] ifj"kn us lgchek djkjksa]

losZ{kdksa] vUos"kdksa] vfèkoDrkvksa vkfn dks lansg ikfjJfed

ds fy, ekud vfèkdfFkr djus] chek vfèkfu;e] 1938 dk

iqufoZyksdu djus] xzkeh.k vkSj lkekftd {ks=k dh ckè;rkvksa

ds vuqikyu] vfèkd iqjkus iksrksa (leqnzh)] izFke gkfu dh

voèkkj.kk dks vkjaHk djus] eksVj chek dkjckj dk VSfjiQ

lekIr djus] VSfjiQ ds mYya?ku] nykyh vkSj nykyh lajpuk

esa folaxfr;ksa] eqvkotk fufèk vkSj vkradokn izhfe;e ls

lacafèkr fo"k;ksa ij fopkj fd;k gSA

(x) ?kjsyw laLFkkvksa ls Hkkxhnkjh

izkfèkdj.k] Hkkjr esa chek cktkj ds fodkl ds fy, fofHkUu

?kjsyw laLFkkvksa ls lfØ; lg;ksx dj jgk gSA Hkkjrh; chekafdd

lkslk;Vh ds dk;Z dh izÑfr ds dkj.k nksuksa fudk;ksa ds chp

fujarj vU;ksU;fØ;k dh izfØ;k pyrh jgh gSA lkslk;Vh m|ksx

ds thou vkSj xSj&thou] nksuksa [kaMksa ds fofHkUu chekafdd

igyqvksa ij tkudkjh miyCèk djkrh gSA lkslk;Vh u dsoy

chekaddksa dh ofÙk ds fodkl esa egRoiw.kZ Hkwfedk fuHkk jgh

gS] vfirq m|ksx ds fy, MkVkcsl LFkkfir djus ds fy, Hkh

mik; dj jgh gSA bl lacaèk esa lkslk;Vh] le;≤ ij

dk;Z'kkykvksa vkSj lEesyuksa dk vk;kstu djrh gS vkSj bl

izdkj varjjk"Vªh; vuqHkoksa ij vkèkkfjr lwpuk miyCèk djkrh

gSA varjjk"Vªh; mn~Hkklu] m|ksx dks loksZÙke cktkj O;ogkjksa ds

vkèkkj ij O;ogkj cukus esa leFkZ cuk,xkA Hkkjrh; chek

daifu;ksa ds fofu;eu vkSj ekuhVfjax ds fy, mi;ksxh vkn'kZ

viukus ds varjjk"Vªh; vuqHkoksa ls lh[k yh tkuh pkfg,A

,ñ,lñvkbZñ fo'o esa chekafdd O;ogkjksa ij ;wlsM ny ds

lkFk fudV lg;ksx ls dk;Z dj jgh gSA

lkslk;Vh dk ,d vU; iz;kl gS] vkaèkz izns'k jkT; ljdkj dh

Hkkxhnkjh esa gSnjkckn esa chek vkSj tksf[ke izcaèku laLFkku

(vkbZñvkbZñvkjñ,eñ) dk xBuA vkbZñvkbZñvkjñ,eñ dks Hkkjr

esa chek {ks=k dks le¼ cukus ds fy, blds fofHkUu {ks=kksa esa

vuqlaèkku vè;;u vkSj izf'k{k.k pykus ds mís'; ls LFkkfir

fd;k x;k gSA vkbZñvkbZñvkjñ,eñ ds fØ;kdykiksa ds C;kSjs

fjiksVZ ds Hkkx 3 esa fn, x, gSaA

blds vfrfjDr izkfèkdj.k] okf.kT; ds fofHkUu la?kksa vkSj

m|ksx laxeksa ds lkFk] mUgsa chek cktkj dh fofHkUu xfrfofèk;ksa

dh tkudkjh nsus ds fy, fujarj vU;ksU;fØ;k djrk gSA ;g

laidZ ekxZ izkfèkdj.k dks lkslk;Vh vkSj lkFk gh chek {ks=k ds

fofHkUu [kaMksa ds lkeus vk jgh leL;kvksa dh izfrfØ;k izkIr

djus esa leFkZ cukrk gSA bl vU;ksU;fØ;k dks c<+kok nsus ds

fy, izkfèkdj.k ds izfrfufèk fu;fer :i ls fofHkUu lEesyuksa

vkSj laxksf"B;ksa esa Hkkx ysrs gSaA

Hkkx 2


3rd

jh

250

chek fofu;ked vkSj fodkl izkfèkdj.k ds dk;Zdj.kvkSj lafØ;kvksa dk iqufoZyksdu

(i) chek vkSj iqu%chek daifu;ksa dk fofu;eu

izkfèkdj.k us chek fofu;ked vkSj fodkl izkfèkdj.k] vfèkfu;e]

1999 dh èkkjk 14 esa fofufnZ"V vius ÑR;ksa ds fuoZgu esa

mikcaèk 1 esa fn, x, fofu;eksa dks fofufnZ"V fd;k gSAfofu;ked <kaps ds varxZr eq[;r% U;wure leknÙk iwath]

mfpr vkSj laxr izcaèku] iQkby vkSj mi;ksx vis{kkvksa lfgr

vkjafHkd Lrj dh vis{kkvksa vkSj izkfèkdj.k dks fu;fer :i lsfoofj.k;ka iQkby djus tSls igyw gSa] ftUgksaus bls] blds chek

vkSj iqu%chek dkjckj dk fofu;eu] laoèkZu vkSj blesa O;ofLFkr

fodkl lqfuf'pr~ djus ds dkuwuh ÑR;ksa dks fuoZgu djus esalgk;rk dh gSA blds vfrfjDr] izkfèkdj.k us viuh lafØ;kvksa

dks n{krk ls djus ds fy, fofHkUu funsZ'k] fn'kk&funsZ'k vkSj

ifji=k Hkh tkjh fd, gSaA

chekdÙkkZ vkSj iqu%chekdÙkkZ mfpr :i ls bu fofu;eksa]

fn'kkfunsZ'kksa vkSj ifji=kksa dk vuqikyu dj jgs gSa vkSj fjiksVZdh vofèk ds nkSjku vuqikyu dh dksbZ fofufnZ"V f'kdk;r

izkIr ugha gqbZ gSA vizSy] 2002 ls ekpZ 2003 dh vofèk ds

nkSjku fuEufyf[kr u, fofu;e vfèklwfpr fd, x, Fks%&

1- chñfoñfoñizkñ (ikfylhèkkjdksa ds fgrksa dk laj{k.k) fofu;e]

2002

2- chñfoñfoñizkñ (chek nyky) fofu;e] 2002

3- chñfoñfoñizkñ (fuxe vfHkdÙkkZvksa dk vuqKkiu) fofu;e]

2002

4- chñfoñfoñizkñ (izhfe;e izkIr djus dh jhfr) fofu;e]

2002

5- chñfoñfoñizkñ (vfèk'ks"k dk forj.k) fofu;e] 2002

lkèkkj.k vkSj chek m|ksx esa fofHkUu i.kèkkfj;ksa dh vk'kkvksa]vko';drkvksa vkSj vis{kkvksa dks iwjk djus ds fy, fuos'k

fofu;eksa] chek vfHkdÙkkZvksa dk vuqKkiu fofu;e] Hkkjrh;

chek daifu;ksa dk jftLVªhdj.k fofu;e vkSj ikfylhèkkjdksa dsfgrksa dk laj{k.k fofu;eksa dk la'kksèku fd;k x;k FkkA blds

vfrfjDr] chek daifu;ksa ds foÙkh; fooj.k vkSj laijh{kk

fjiksVZ rS;kj djus vkSj xzkeh.k vkSj lkekftd {ks=k ds izfr chekdÙkkZvksadh ckè;rkvksa ls lacafèkr fofu;eksa dks izfrLFkkfir fd;k x;k FkkA

NwV izkIr chekdÙkkZvksa dh fLFkfrchek vfèkfu;e] 1938 dh èkkjk 118] Hkkjrh; O;kikj la?kvfèkfu;e] 1926 ds vèkhu jftLVªhÑr fdlh O;kikj la?k dks

;k ,slh fdlh Hkfo"; fufèk dks] ftldk Hkfo"; fufèk vfèkfu;e]

1925 ds micaèk ykxw gksrs gSa vfèkfu;e ds izorZu ls NwViznku djrh gS ;k ;fn dsUnzh; ljdkj fdlh ekeys esa ,slk

vkns'k djrh gS rks dsUnzh; ljdkj ;k jkT; ljdkj }kjk ;k

daiuh vfèkfu;e] 1956 dh èkkjk 617 esa ;Fkkmicafèkr fdlhljdkjh daiuh }kjk fd, tk jgs fdlh chek dkjckj dks] ml

foLrkj rd ;k ,slh 'krks± vFkok mikarj.kksa ds vèkhu jgrs gq,]

ftls fofufnZ"V fd;k tk,] vfèkfu;e ds izorZu ls NwV iznkudjrh gSA

blds vfrfjDr] Hkkjr esa lkèkkj.k chek dkjckj ds jk"Vªh;dj.k

ds le; lkèkkj.k chek dkjckj (jk"Vªh;dj.k) vfèkfu;e]1972 dh èkkjk 36 us] fdlh jkT; ljdkj }kjk fd, tk jgs

fdlh lkèkkj.k chek dkjckj ds lacaèk esa] ml lhek rd] ftl

rd ,slk chek dkjckj mlds LokfeRo dh ;k jkT; ljdkj dsiw.kZ ;k eq[;r% LokfeRo okys m|eksa dh laifÙk;ksa ls ;k fdlh

v¼Zljdkjh fudk; ;k jkT; ljdkj }kjk fdlh dkuwu ds

vèkhu LFkkfir fdlh cksMZ ;k fuxe fudk; ;k ,sls fdlhvkS|[email protected];d m|e dh laifÙk;ksa ls lacafèkr gSa] ftlesa

jkT; ljdkj ds 'ks;jèkkjd ½.knkrk ;k izR;kHkwfrnkrk ds :iesa lkjoku~ foÙkh; fgr gSa] bl vfèkfu;e ds izorZu ls NwV iznkudh FkhA bl le; ns'k esa 28 NwV izkIr chekdÙkkZ chek dkjckj

fuEukafdr dj jgs gSa] fo'ks"kdj jkT; ljdkj dh laifÙk;ksa ds {ks=k

esa NwV izkIr chekdÙkkZvksa dh lwph mikacaèk 2 esa gSA

izkfèkdj.k] mnkjhÑr ifjfLFkfr;ksa esa fofu;ked <+kaps esa ifjorZuksa

dks ns[krs gq,] bu NwV izkIr chekdÙkkZvksa dh fLFkfr vkSj

dk;Zdj.k ij fopkj dj jgk gSA ;g lqfpfuf'pr djus ds


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fy, fd bu chekdÙkkZvksa dh fufèk;ksa dks mUgsa muds nkf;Roksa

dk i;kZIr :i esa fuoZgu djus esa leFkZ cukus ds fy, iFkd~

:i ls j[kk tkrk gS] 'kksèku {kerk varj] fuos'kksa vkfn lslacafèkr fofu;eksa dks mUgsa ykxw fd;k x;k gSA

izkfèkdj.k] jkT; ljdkjksa ls] muds }kjk j[kh xbZ fufèk ds

lacaèk esa vkSj muds jkT;ksa esa dk;Z dj jgs NwV izkIr chekdÙkkZvksadh fLFkfr ds lacaèk esa tkudkjh ,df=kr dj jgk gSA vfèkdka'k]

NwV izkIr chekdÙkkZ ljdkjh fu;kstdksa vkSj ljdkj ds LokfeRo

okyh laifÙk;ksa vkSj mudh vkfLr;ksa ls lacafèkr O;kikj dj jgsgSaA lkFk gh bu chekdÙkkZvksa ls] muds mRiknksa dks izkfèkdj.k

}kjk vfèkdfFkr iQkby vkSj mi;ksx* i¼fr ds vèkhu izkfèkdj.k

dks iQkby djus dh vis{kk dh xbZ gSA

;|fi] ;s fufèk;ka] mudh viuh&viuh jkT; ljdkjksa }kjk

izR;kHkwr gksrh gSa] fiQj Hkh izkfèkdj.k dh ;g Li"V jk; gS fd

bu chekdÙkkZvksa dks viuk NwV izkIr chekdÙkkZ dk :i R;kxdj eq[; èkkjk esa vkuk pkfg, vkSj chek m|ksx dk Hkkx

cudj vfèkfu;e ds micaèkksa vkSj muds vèkhu cuk, x,

fofu;eksa ls iw.kZr% 'kkflr gksuk pkfg,A

(ii) chek dkjckj ls tqM+s eè;oÙkhZ

nyky] rhljk i{kdkj iz'kklu (Vhih,) vkSj losZ{kd] chek

dkjckj ls tqM+s eè;oÙkhZ gSaA fuxe vfHkdÙkkZvksa lfgr chekvfHkdÙkkZ] fofu;eksa }kjk 'kkflr gksrs gSa vkSj os eè;ofÙkZ;ksa dh

izÑfr ds gSa] fdUrq chñfoñfoñizkñ vfèkfu;e esa bl :i esa

ifjHkk"kr ugha gSaA ;g mYys[kuh; gS fd vfHkdÙkkZ viusekfyd] vFkkZr chekdÙkkZ dk izfrfufèkRo djrs gSa vkSj vius

ÑR;ksa dh izÑfÙk ds vkèkkj ij eè;oÙkhZ gksrs gSa vkSj vius

xzkgdksa dks lsok iznku djrs gSaA

chek chekdÙkkZ

chek chekdÙkkZ fiNys rhu o"kks± dks mu mnkj ifjfLFkfr;ksa us]

ftuesa thou vkSj xSj&thou chekdÙkkZ dk;Z dj jgs gSa]eè;orhZ izfØ;kvksa dks c<+kok fn;k gSA ;|fi vfHkdÙkkZvksa dks

chekdÙkkZvksa vkSj chekdÙkksa ds chp dh dM+h ds :i esa tkuk

tkrk gS] izkfèkdj.k dh LFkkiuk ds lkFk mUgsa vfèkdkfèkd

ofrd fo'ks"kKrk fn, tkus ij cy fn;k tk jgk gSA izkfèkdj.k

us bl fn'kk esa dne c<+krs gq,] vfHkdÙkkZvksa ds fy, U;wure

'kSf{kd vkSj izf'k{k.k vis{kk,a fofgr dh gSaA

vuqKkiu dh izfØ;k dks lqdj cukus ds fy, Hkkjrh; chek

laLFkku] eqacbZ dks vkWiQ&ykbu ijh{kk,a lapkfyr djus ds fy,

izkfèkÑr fd;k x;k gS vkSj us'kuy LVkWd ,Dlpsat dks vfHkdÙkkZvksadh vkWu ykbu ijh{kk,a lapkfyr djus dk vkns'k fn;k x;k gSA

blds vfrfjDr] ½rq uank chek lsok,a] jk"Vªh; foØ; laLFkku]

Ldwy usV] vkbZñVhñ ,lksf'k,Vl] Jhjke lkbcj Vsd vkSj egkjk"VªizkS|ksfxdh laLFkku dks Hkh vkWu ykbu ijh{kkvksa ds lapkyu ds

fy, izkfèkÑr fd;k x;k gSA ,sls laLFkkuksa dh la[;k esa blfy,

of¼ gqbZ gS D;ksafd ns'k Hkj esa chekdÙkkZvksa us vfèkd vfHkdÙkkZizf'k{k.k dsUnzksa dh ekax dh gSA ;g bl ckr dk ladsr gS fd

vfHkdÙkkZ dh ofÙk dks fu;kstu dk ,d ykHkizn ekxZ ekuk tk

jgk gS vkSj blds rjiQ vkÑ"V gksus okys O;fDr;ksa dh la[;kesa of¼ gks jgh gSA

fuxe vfHkdrkZ

fjiksVZ dh vofèk ds nkSjku izkfèkdj.k us fuxe vfHkdj.kfofu;e vfèklwfpr fd,] tks fuxe vfLrRoksa dks chek mRiknksa

ds forj.k dh vuqKk nsrs gSaaA fofu;eksa dh vfèklwpuk us ns'k

esa csSdkb';ksjsal ds fy, ekxZ [kksykA cSadk';ksjsal] ftlesa cSadchekdÙkkZvksa ds fy, chek mRiknksa ds forj.k gsrq fuxe

vfHkdÙkkZvksa ds :i esa dk;Z djrs gSa] dbZ ns'kksa esa ,d etcwr

forj.k ekxZ ds :i esa lkeus vk;k gSA Hkkjr esa ifCyd lsDVjcSad vkSj fo'ks"kdj {ks=kh; xzkeh.k cSad vkSj vYi ½.k laLFkk,a]

viuh O;kid igqap ds lkFk ns'k esa ogÙkj chek igqap ds

vkèkkjHkwr mís'; dks iwjk djus esa lgk;rk dj ldrs gSaAfofu;e fofufnZ"V O;fDr;ksa ds fy, U;wure 'kSf{kd vgZrkvksa

dk Hkh micaèk djrs gSa vkSj O;kogkfjd izf'k{k.k vis{kk,a vkSj

vkpkj lafgrk Hkh fofgr djrs gSaA ofÙkd :i ls vgZddkfeZd ds ekeys esa izf'k{k.k vis{kk esa NwV nh xbZ gSA

jk"Vªh;Ñr cSadksa] izkbosV cSadksa] {ks=kh; xzkeh.k cSadksa] lgdkfjrkvksa]

iapk;rksa] LFkkuh; izkfèkdj.kksa] ,uñchñ,iQñlhñ vkSj ,uñthñvksñus igys gh fuxe vfHkdÙkkZvksa ds :i esa m|ksx esa izos'k dj

fy;k gSA


3rd

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losZ{kd vkSj gkfu fuèkkZjd

chek (la'kksèku) vfèkfu;e] 1968 ds fØ;kUo;u ds lkFklosZ{kdksa vkSj gkfu fuèkkZjdksa ds fy, vuqKkiu iz.kkyh vkjaHk

dh xbZ FkhA rc ls vuqKIr losZ{kd] xSj&thou chek daifu;ksa

dh gkfu fuèkkZj.k esa lgk;rk dj jgs gSaA izkfèkdj.k us losZ{kdksavkSj gkfu fuèkkZjdksa }kjk nh tk jgh lsokvksa esa O;kolkf;drk

vkSj dq'kyrk ykus ds fy, mUgsa] mudh ofÙkd vgZrkvksa]

losZ{kd vkSj gkfu fuèkkZjd ds :i esa muds vuqHko vkSj lkFkgh lqlaxr vuqHko ds vkèkkj ij oxhZÑr djus dk fofu'p;

fd;kA oxhZdj.k ds fofHkUu igyqvksa dh leh{kk djus ds fy,

,d lsokfuoÙk ftyk U;k;kèkh'k dh vè;{krk esa ,d lfefrdk xBu fd;k x;k Fkk] ftlesa chek daifu;ksa] losZ{kdksa vkSj

gkfu fuèkkZjdksa rFkk miHkksDrkvksa ds izfrfufèk;ksa dks lfEefyr

fd;k x;k FkkA lfefr us iSjkehVj vkSj vad i¼fr dks vafre:i fn;k] ftlds vkèkkj ij izkfèkdj.k us 31 ekpZ] 2002 dks

lekIr gksus okys o"kZ ls iwoZ oxhZdj.k izfØ;k iwjh dj yh Fkh

vkSj lHkh vkosnd losZ{kdksa dks oxhZdj.k i=k tkjh dj fn,x, FksA oxhZÑr losZ{kdksa dks] lfefr }kjk fliQkfj'k fd, x,

vuqlkj ,sls fdUgha rhu foHkkxksa ds fy, fodYi izLrqr djus

ds fy, dgk x;k Fkk] ftUgsa os losZ{k.k dk;Z djus ds fy,vkcafVr djkuk pkgrs gksaA rhu foHkkxksa ds vfrfjDr losZ{kdksa

dks] tgka muds ikl visf{kr vgZrk Fkh] ykHk dh gkfu ds fy,

oxhZÑr vkSj vuqKkr fd;k x;k FkkA

bl izfØ;k ds i'pkr~] oxhZdj.k ds fy, fofHkUu iSjkehVjksa dks

cukrs gq, ,d C;ksjsokj lwpuk izkfèkdj.k dh osclkbV ij]lHkh lac¼ O;fDr;ksa dh lwpuk ds fy, izdkf'kr dh xbZ FkhA

muls fodYi izkIr gksus ij mUgsa vafre oxhZdj.k i=k tkjh

fd, x, FksA ,sls losZ{kdksa dks] ftUgksaus fodYi izLrqr ugha

fd, Fks] os rhu foHkkx vkcafVr fd, x, Fks] ftuesa mUgksaus

vfèkdre vad izkIr fd, FksA

,sls losZ{kdksa dks] tks rhu ls vfèkd oxks± ds fy, vgZd gq,

Fks vkSj ftUgksaus rhu foHkkxksa dk fodYi fn;k Fkk] muds }kjk

pqus x, foHkkxksa esa ifjorZu djus dh vuqKk nh xbZ FkhAlosZ{kdksa dks lwfpr fd;k x;k Fkk fd ifjorZu 31 ekpZ] 2003

rd vuqKs; Fkk vkSj rRi'pkr~] le;≤ ij ifjorZuksa dks]

vuqKkr ugha fd;k tk,xkA

,sls losZ{kdksa dks] ftUgsa rhu ls de foHkkxksa ds fy, oxhZÑr

fd;k x;k Fkk vkSj os rhu ls vufèkd vfrfjDr foHkkxksa vkSj,yñvksñihñ ds fy, oxhZÑr fd, tkus ds fy, bPNqd Fks] x*

oxZ esa oxhZÑr fd, tkus ds fy, ml vfrfjDr foHkkx ds

fy, izf'k{k.k izkIr djus ds fy, dgk x;k FkkA ,sls losZ{kdksadks] tks 31 ekpZ] 2003 dks izf'k{k.k iwjk ugha dj lds Fks]

vfrfjDr foHkkx esa ^x* oxZ ds fy, ik=k gksus ds fy, ijh{kk

mÙkh.kZ djus ds fy, dgk x;k FkkA

izkfèkdj.k us losZ{kdksa dks rhu oxks± & ^^d**] ^^[k** vkSj

^^x** oxks± esa oxhÑr fd;k x;k Fkk vkSj mu èkuh; lhek dksHkh minf'kZr fd;k Fkk] ftlds vèkhu izR;sd O;f"V oxZ ds

losZ{kd] losZ{k.k djsaxsA 31 ekpZ] 2002 ls izHkkoh gksus okyh

losZ{kdksa vkSj gkfu fuèkkZjdksa dks mi;ksx djus dh foHkkxokjfoÙkh; lhek fu;r dh xbZ FkhA izkfèkdj.k dks bu èkuh;

lhekvksa ds iqujh{k.k dh vko';drk ij vH;kosnu izkIr gq,

FksA vH;kosuksa dh leh{kk djus ds i'pkr~] izkfèkdj.k usfofHkUu oxks± ds losZ{kdksa }kjk fd, tkus okys losZ{k.k ds ewY;

dh lhekvksa dks iqu%fu;r djus dk fofu'p; fd;kA 1 twu]

2003 ls iqujhf{kr foÙkh; lhek,a lkj.kh 44 esa fn, x, C;kSjksa

ds vuqlkj gSA


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ubZ vuqKfIr izkIr djus ds fy, Lo;a izkfèkdj.k }kjk ;k mlds

}kjk izkfèkÑr fdlh laLFkku }kjk lapkfyr vgZd ijh{kk mÙkh.kZ

djus ds vfrfjDr fdlh d ;k [k oxZ ds fo|eku losZ{kd ds

ikl de ls de ckjg ekl dk O;kogkfjd izf'k{k.k izkIr

djsxkA Hkkjrh; chek laLFkku dks losZ{kdksa dh ijh{kk,a lapkfyr

djus ds fy, izkfèkÑr fd;k x;k gS vkSj mldh igyh ijh{kk

iQjojh] 2003 esa lapkfyr dh xbZ FkhA bl le; Hkkjrh; chek

laLFkku izR;sd o"kZ ds iQjojh] ebZ] vxLr vkSj uoacj eklksa esa

=kSekfld vkèkkj ij ijh{kk,a lapkfyr dj jgk gSA vHkh rd]izkfèkdj.k us 2370 vkosndksa dks izf'k{kq losZ{kdksa ds :i esa

ntZ fd;k gS vkSj ,sls 70 izf'k{kq losZ{kdksa dks] ftUgksaus

O;kogkfjd izf'k{k.k iwjk dj fy;k Fkk vkSj visf{kr ijh{kkmÙkh.kZ dj yh Fkh] ubZ vuqKfIr;ka tkjh dh xbZ FkhaA

31-3-2003 dks fofHkUu foHkkxksa esa oxhZÑr O;f"V losZ{kdksavkSj losZ{kdksa dh iQeks± dh dqy la[;k Øe'k% lkj.kh 45 vkSj

46 esa gSA

lkj.kh - 44

oxhZd`r i;Zos{kdksa vkSj gkfu fu/kZjdksa dh foÙkh; lhek,afooj.k oxZ d oxZ [k oxZ x

,yvksih 50 yk[k #i, ls vf/d 50 yk[k #i, rd 'kwU;

vfXu (ck<+] pØokr] Hkwdai) 20 yk[k #i, ls vf/d 20 yk[k #i, rd 5 yk[k #i, rd

bathfu;jh 7.5 yk[k #i, ls vf/d 7.5 yk[k #i, rd 2 yk[k #i, rd

eksVj (futh ifCyd) 2 yk[k #i, ls vf/d 2 yk[k #i, rd 1 yk[k #i, rd

izdh.kZ (xSj&VSfjiQ lfgr) 7.5 yk[k #i, ls vf/d 7.5 yk[k #i, rd 3 yk[k #i, rd

leqnzh m|ksx 7.5 yk[k #i, ls vf/d 7.5 yk[k #i, rd 3 yk[k #i, rd

leqnzh isVk 10 yk[k #i, ls vf/d 10 yk[k #i, rd 50,000 #i, rd

fVIi.k %1- oxZ d losZ{kd] oxZ [k dh foÙkh; lhekvksa ds varxZr vkus okys dk;ks± ds fy, ik=k gksaxsA blh izdkj oxZ [k losZ{kd] oxZ x dh foÙkh; lhekvksa

ds varxZr vkus okys dk;ks± ds fy, ik=k gksaxsA2- oxZ x losZ{kd] oxZ [k vkSj d dh lhekvksa ds fy, ik=k ugha gksaxsA blh izdkj oxZ [k losZ{kd] oxZ d dh lhekvksa ds fy, ik=k ugha gksaxsA

3- foÙkh; lhek,a] chekdÙkkZ dh jk; esa gkfu ds vuqekfur ewY; ij vkèkkfjr gSA

lkj.kh - 45

losZ{kd (O;f"V)oxZ 31 ekp Z] 2003 rd oxhZd`r losZ{kdksa (O;f"V) dh dqy la[;k

vfXu leqn zh leqn zh bathfu;jh eksVj izdh.kZ ,yvksihLFkksjk isV k

d 407 206 26 270 954 329 61

[k 1312 1082 70 2069 3418 2216 219

x 2922 2526 90 2362 3000 3110 -

;ksx 4641 3814 186 4701 7372 5655 280

;ksx31 ekpZ, 2002 rd 3178 3478 167 4269 6668 5053 256


3rd

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rhljk i{kdkj iz'kklu (Vhih,)izkfèkdj.k us LokLF; chek ds {ks=k esa ,d u;k eè;orhZ

^Vhih,&LokLF; lsok,a* dks vkjaHk djus ds fy, flracj]2001 esa rhljk i{kdkj iz'kkld&LokLF; lsok,a fofu;e

vfèklwfpr fd, FksA bl eè;orhZ dks vkjaHk fd, tkus ds ihNsvkèkkfjd fopkj Fkk] xzkgdksa (ikfylhèkkjdksa) ds fy,

udnjfgr LokLF; lsok dk micaèk djuk vkSj ,d ,slk

eè;oÙkhZ vkjaHk djuk] tks chekdÙkkZvksa dks leFkZu vkSj lsok,amiyCèk djk,A

vHkh rd 23 Vhñihñ,ñ dks vuqKfIr eatwj dh xbZ gS vkSj muesa

ls 11 lfØ; :i ls dkjckj dj jgs gSaa (rhljh i{kdkjiz'kkldksa dh lwph mikac/ & 5 esa gS)A bu Vhih, ds ikl

miyCèk volajpuk lqfoèkkkvksa ds fo|eku Lrj ij fuHkZj djrs

gq, chek daifu;ksa }kjk Vhih, dks LokLF; dk;Z vkcafVr fd;kx;k gSA bl ckr ds ladsr gSa fd bl eè;oÙkhZ dks ykus ds

lkFk LokLF; {ks=k esa nkok vuqikr esa Hkkjh deh vkbZ gS rFkkfi

gky gh esa rhljk i{kdkj iz'kkld dh voèkkj.kk ij iqu%fopkj djus vkSj bl ckr ij xgjkbZ ls è;ku nsus ds dkj.k

lkeus vk, gSa fd D;k os okLro esa mu vk'kkvksa ij [kjs mrjs

gSa] tks muls muds chek m|ksx esa vkjaHk ds le; dh xbZ FkhAVhih, }kjk lsokvksa ds iznk; ds lacaèk esa vlarks"k dk dkj.k

,sls nyky vkSj iz'kklfud dfBukbZ;ka gSa] tks fdlh ubZ voèkkj.kk

ds izkjaHk ij vkjafHkd pj.kksa esa lkèkkj.kr;k vkrh gSA

LokLF; chek m|ksx esa MkVkcsl dk ltu vkSj vuqj{k.k ,d

,slk {ks=k gSa] ftl ij è;ku fn, tkus vkSj dk;Z fd, tkus dh

vko';drk gSA tSlk fd Li"V gS bl {ks=k dk ekudhdj.k ughagqvk gS vkSj chek daifu;ksa Vhih, vkSj miHkksDrk tSls fofHkUu

i.kèkkjh blds vHkko esa Lo;a dks vlgk; eglwl djrs gSaA

ncko] chek mRiknksa dk ewY; fu;r djus ds iz;kstu ds fy,ekudhdj.k dh miyCèkrk] izLFkkfir lsokvksa ds fy, vkn'kZ

vkSj muds ewY; dk fuèkkZj.k] lsok iznkrkvksa dh miyCèkrktSls vusd dkjdksa ls lacafèkr gSaA izkfèkdj.k bl ij lfØ;

:i ls fopkj dj jgk gS vkSj ,sls MkVkcsl ds ltu ds fy,

mik;ksa vkSj lkèkuksa ij è;ku ns jgk gSA fofHkUu chek mRiknksa dsewY;ksa dk oSKkfud fuèkkZj.k ,d ,slk egÙoiw.kZ {ks=k gS] ftls

MkVkcsl dh miyCèkrk lqdj cuk,xhA

bl rF; ds ckotwn fd Vhih, dk dk;Z leh{kkèkhu gSa] m|ksxesa vfrfjDr O;fDr;ksa ds izos'k dh laHkkouk gSA izkfèkdj.k dks

fofHkUu {ks=kksa ls m|ksx esa rhljs i{kdkj iz'kkld ds :i esa

izos'k djus esa fnypLih nf'kZr djus okys vusd vkosnu izkIrgks jgs gSaA Vhih, vkjaHk djus ds fopkj dh u dsoy ljkguk

gqbZ gS] vfirq bls vusd {ks=kksa ls jpukRed leFkZu Hkh izkIr

gqvk gSA izkfèkdj.k bl fof'k"V eè;orhZ ds dk;Z esa varofyZrleL;kvksa ds izfr lpsr gSa vkSj fofHkUu i.kèkkfj;ksa ls] LokLF;

lsokvksa dh iznk; i¼fr esa lqèkkj ds fy, izkIr gksus okys

jpukRed lq>koksa dk Lokxr djrk gSA

lkj.kh - 46

losZ{kd (iQeZ)oxZ 31 ekp Z] 2003 rd oxhZd`r losZ{kdksa (O;f"V) dh dqy la[;k

vfXu leqn zh leqn zh bathfu;jh eksVj izdh.kZ ,yvksihLFkksjk isV k

d 92 50 10 50 21 57 27

[k 101 99 23 91 59 130 47

x 104 147 41 180 37 90 _

;ksx 297 296 74 321 117 277 74

;ksx31 ekpZ, 2002 rd 260 249 32 197 104 243 52


3rd

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chek nyky

izkfèkdj.k us vDrwcj] 2002 esa chek nyky fofu;eksa dhvfèklwpuk ds ifj.kkeLo:i igyh ckj tuojh] 2003 esa

nykyksa dks vuqKfIr;ka tkjh dhA nyky ,d ,slk u;k eè;orhZ

pSuy gS] ftls igyh ckj foÙkh; o"kZ 2002&03 esa Hkkjrh;ckt+kj esa vkjaHk fd;k x;k FkkA nykyksa dh lwph vkSj mudh

jkT;okj la[;k mikcaèk 6 vkSj 7 esa gSA rFkkfi] izFke o"kZ esa nks

ekl ls de dh lafØ;kvksa vksj mDr vofèk ds nkSjku lhferO;fDr;ksa dks vuqKfIr tkjh fd, tkus ds dkj.k chek m|ksx

ij muds izHkko dk lgh irk dsoy foÙkh; o"kZ 2003&04 esa

gh py ik,xkA

chek nyky ,sls ofÙkd gSa] tks xzkgd dh vksj ls tksf[ke dk

fuèkkZj.k djrs gSa] ml tksf[ke dks de djus ds fy, lykg nsrsgSa] vuqdwy chek ikfylh lajpuk dh igpku djrs gSa] chekÑrksa

vkSj chekdÙkkZ dks fudV ykrs gSa] chek lafonkvksa ds fy,

izkjafHkd dk;Z djrs gSa vkSj tgka vko';d gks vkSj fo'ks"kdjnkok mn~Hkwr gksus ij ,slh lafonkvksa ds iz'kklu vkSj fu"iknu

esa lgk;rk djrs gSaA chek daifu;ksa }kjk izfrèkkj.k fd, tkus

okys chek vfHkdÙkkZvksa ds foijhr nykyksa dks chekÑÙkksa }kjkizfrèkkfjr fd;k tkrk gS vkSj blfy,] mudk eq[; mÙkjnkf;Ro

chekÑÙkksa ds izfr gksrk gSA Hkkjrh; ckt+kj esa nyky vkjaHk

djus ds dqN iQk;ns fuEukuqlkj gSa%

l xzkgd lsok es a lqè kkj % c<+rh izfr;ksfxrk ds lkFk chek

nykyh miHkksDrkvksa dh vko';drkvksa ds izfr vfèkdmÙkjnk;h gksus ds fy, u, vkSj uohu mRikn ykus vkSj

mPp xq.koÙkk dh lsok iznku djus ds fy, mRlkfgr gSA

Hkkjrh; fuxe vkSj miHkksDrkvksa dks lsokvksa vkSj lkFkgh mRikn rFkk ikfylh dh uohurk ls iQk;nk gksxk vkSj

ifj.kkeLo:i ls de ykxr ij leqfpr chek doj

izkIr djus esa leFkZ gksaxsA

l izkS|ksfxdh vkSj izcaèku tkudkjh dk varj.k % chek

nyky] rduhdh n{krkvksa vkSj mRiknksa esa varjjk"Vªh;loksZÙke O;ogkj] izf'k{k.k dk;ZØe vkSj izcaèku rduhdsa

yk,axsA bl le; Hkkjr esa chek nykyh dkjckj ds

fodkl esa eq[; dfBukbZ izf'kf{kr O;fDr;ksa dk vHkko

gS vkSj bl deh dks lekIr djus esa varjjk"Vªh; daifu;ka

Hkkjh lgk;rk dj ldrh gSaA

l chek daifu;ks a dks iQk;n s % vfèkdka'k oSf'od chekdaifu;ka okf.kfT;d vkSj vkS|ksfxd tksf[keksa dks laHkkyus

esa dkiQh le; [kpZ djrh gSaA mUgsa nykyksa ds lkFk dk;Z

djuk vklku vkSj de le; [kkus okyk yxrk gSD;ksafd dsoy xgu fcanqvksa vkSj fo'ks"k vis{kkvksa ij gh

C;ksjsokj ppkZ dh vko';drk gksrh gSA nyky] chek

tkx:drk] ckt+kj igqap dks c<+kok nsus esa Hkh lgk;rkdjrs gSa vksj izfr;ksfxrk dks c<+kok nsus rFkk xzkgd lsok

esa lqèkkj ykus ds fy, vUizsjd dk dk;Z djrs gSaA

l fon s'kh fofu;e fopkj % nyky] iqu% chek dk;ZØeksa dksvuqdwy cukus esa viuh varjjk"Vªh; iqu% chek n{krk dk

mi;kstu djds Hkkjrh; chekdÙkkZvksa dks mudh izfrèkkj.k

{kerk,a c<+kus esa leFkZ cuk,axs] ftlls fons'kh eqnzk esavkSj cpr gksxhA blds vfrfjDr os u, mRiknksa ds

fodkl esa vkSj rnuqlkj izhfe;e dk vkèkkj O;kid

cukus esa LFkkuh; chekdÙkkZvksa dh lgk;rk dj ldrs gSaA

nykyksa ds LohÑr O;ogkjksa esa ifjorZu djus dh Hkh vk'kk dhtkrh gS] ftlds varxZr lg&chek vkSj iqu%chek LFkkiu Hkh gSaA

laHkkouk gS fd ,slh oSdfYid tksf[ke izcaèk rduhdksa dks

'kh?kz gh yk;k tk,xk] tks tksf[keksa dojksa dks bdV~Bk djrh gSvkSj chek rFkk iqu%chek ,d lkFk miyCèk djrh gSaA cktkj

esa nks vijaijkxr ifjorZu ml rsth ls vkus okys gSa] tks

LFkkuh; dj fofèk vkSj@;k izhfe;e ykxr dk O;kikj esavuqKkr gksA

fodflr ns'kksa dh vis{kkvksa ds vuqlkj Hkkjr esa chek nyky

jftLVªhdj.k] vuqHko] izf'k{k.k vkSj vgZrk vis{kkvksa vkSj ofÙk

esa izos'k ij fuc±èku iwath vis{kkvksa vkSj ofÙkd {kfriwfrZ tSls{ks=kksa esa fofu;fer gSaA

izpfyr fn'kk&funsZ'kksa ds vuqlkj fdlh ifCyd lsDVj vfLrRo

ls fHkUu fdlh fuxe xzkgd dks fdlh vfHkdÙkkZ ;k chek

nyky ls laidZ djus vFkok ikfylh ds ewY; ij 5 izfr'krdh fo'ks"k NwV izkIr djus dk fodYi gSA blls iwoZ izkfèkdj.k


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us viuh rkjh[k 30 ebZ] 2003 dh vfèklwpuk }kjk ;g

vfèklwfpr fd;k Fkk fd fuxe xzkgdksa dks miyCèk fo'ks"k NwV

dh lqfoèkk okil yh tk jgh FkhA rRi'pkr~ chekdÙkkZvksa vkSjfuxeksa lfgr dqN {ks=kksa }kjk fpark,a O;Dr fd, tkus ds dkj.k

30 ebZ] 2003 ds fu.kZ; dks vkLFkfxr j[kk x;k Fkk vkSj lHkh

lac¼ fo"k;ksa dh xgu leh{kk djus ds fy, ,d fo'ks"kKlfefr dk xBu fd;k x;k FkkA izkfèkdj.k bl fo"k; ij

lfefr dh fjiksVZ izkIr gksus ds i'pkr~ fopkj djsxkA

(iii) chek f'k{kk ls tqM+s o`fÙkd laLFkku

izkfèkdj.k] chek ds O;olk;hdj.k tksf[ke izcaèk vkSj c<+kok nsjgk gSA blus chek vkSj tksf[ke izcaèk f'k{kk ds laoèkZu ds fy,

viuh igyksa ds Hkkx :i esa izcaèk laLFkkuksa }kjk pyk, tk jgs

,d o"khZ; ikB~;Øeksa dh ikB~;p;kZ dks ekU;rk nh gSA ;g igyschek m|ksx ds lacaèk esa tkx:drk c<+kus vkSj fu;kstu ds fy,

ekxZ lftr djus ds fy, mís';ksa ds lkFk&lkFk chek m|ksx ls

vgZd ofÙkdksa dh ekax dks iwjk djus ds fy, Hkh dh xbZ gSaA buvgZrkvksa dks izkIr vkSj izf'k{k.k dk;ZØeksa esa Hkkx ysus okys

fo|kfFkZ;ksa dks] muds }kjk vftZr n{krk ds dkj.k chek daifu;ksa

vkSj nykyh iQeks± }kjk rRijrk ls Lohdkj fd;k tkrk gSA

Hkkjrh; chek laLFkku lfØ; :i ls chek vfHkdÙkkZvksa ds fy,

ijh{kkvksa dk lapkyu dj jgk gSA Hkkjrh; cSadlZ laLFkku us],sls cSadksa dh vis{kkvksa dks] ftUgksaus chek m|ksx esa] mudh

cSadk';ksjsal esa igyksa ds Hkkx :i esa izos'k fd;k gS] è;ku esa

j[krs gq, fofufnZ"V ikB~;Øe rS;kj fd, gSaA izkfèkdj.k us chekvfHkdÙkkZvksa vkSj nykyksa ds fy, foÙkh; ;kstukdkjksa ds lkFk

ds ikB~;Øe dks ekU;rk nh gSA

jk"Vªh; chek vdkneh dks] nykyksa dh] muds izf'k{k.k ds

mijkar] ijh{kk ysus ds fy, ,dek=k ijh{kd fudk; ds :i esa

inkfHkfgr fd;k x;k gSA mUgsa] ifCyd lsDVj xSj thou chek

daifu;ksa] vFkkZr~ us'kuy] U;w bafM;k] vksfj,aVy vkSj ;qukbfVM

bafM;k Ldwy usV] vkjñ,uñvkbZñ,lñ vkSj ,uñvkbZñ;wñ ds fuxe

izf'k{k.k dsUnzksa ds lkFk nykyksa ds izf'k{k.k nsus ds fy, ekU;rk

nh xbZ FkhA

vfHkdÙkkZvksa ds izf'k{k.k dks lqdj cukus ds fy, izkfèkdj.k us

ns'k Hkj esa vfHkdÙkkZvksa dks fofgr vuqKkiu&iwoZ izf'k{k.k nsus

ds fy, 1357 vfHkdÙkkZ izf'k{k.k laLFkkuksa dks ekU;rk nh gS]

blesa chek daifu;ksa }kjk pyk, tk jgs 977 vkarfjd laLFkk,a

Hkh gSaA ekU;rk nh tkus dh izfØ;k ikjn'khZ gS vkSj fdlh Hkkoh

laLFkku dks l{ke ladk;] leqfpr volajpuk izlqfoèkkvksa dh

miyCèkrk vkfn tSlh 'krks± dks iwjk djuk gksrk gSA vfèkÑr

djus ls iwoZ ^^vad iz.kkyh** ij ewY;kadu fd;k tkrk gS vkSj

;fn vko';d gks rks izkfèkdj.k ds vfèkdkjh laLFkku dk

fujh{k.k Hkh djrk gSA izkfèkdj.k lkekU;r;k fdlh laLFkku dks

rhu o"kZ dh vofèk ds fy, vfèkÑr djrk gSA laLFkkuksa ds

leqfpr dk;Zdj.k dks lqfuf'pr djus ds fy, izkfèkdj.k

dHkh Hkh mldk fujh{k.k dj ldrk gSA blds vfrfjDr izR;sd

vuqeksfnr laLFkku ls izkfèkdj.k dks fofgr iz:i [k ds

vuqlkj dfri; lwpuk,a nsus dh vis{kk dh tkrh gSaA ;g

vis{kk dh tkrh gSa fd izkfèkdj.k dks ,slh lwpuk frekgh :i

ls nh tk,A

31 ekpZ] 2003 dks izR;kf;r vfHkdrkZ izf'k{k.k laLFkkuksa ds

jkT;okj C;kSjs lkj.kh 47 eas fn, x, gS %µ


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(iv) eqdnesckth] vihysa vkSj U;k;ky; dsfu.kZ;

izkfèkdj.k ij fofHkUu U;k;ky;ksa ds le{k fofHkUu fo"k;ksa ijiQkby fd, x, eqdn~eksa ds lacaèk esa ;k rks eq[; i{kdkj ds

:i esa ;k fu"iknu i{kdkj ds :i nks"kksjksi.k fd;k x;k gSA

U;k;ky; eq[;r% chekdÙkkZvksa }kjk nkoksa ds lekèkku] chek

ikfyfl;ksa dks uohÑr u fd;k tkuk] chek vfHkdÙkkZvksa dh

vuqKfIr;ksa ds uohdj.k] losZ{kdksa vkSj gkfudkjdksa ds oxhZdj.k]

eksVj VSfjiQ vkSj eksVj chek izhfe;e dks c<+kus] vksecMlesu

ds iapkV dks ykxw u djus] vkfn tSls fo"k;ksa ls lacafèkr gSaA

lkj.kh - 47

izR;kf;r vfHkdrkZ izf'k{k.k laLFkku dh la[;k ds jkT;okj C;kSjsµ 31 ekp Z] 2003 dksjkT; vkarfjd vU;

2001-02 2002-03 2001-02 2002-03

v.Meku vkSj fudksckj 1 1

vkaU/z izns'k 26 98 10 36

vle 24 28 2 4

fcgkj 18 16 2 4

NÙkhlx<+ 12 12 8 7

paMhx<+ 1 18 4 4

fnYyh 12 17 19 24

xksvk 2 4 4 9

xqtjkr 42 50 14 24

gfj;k.kk 13 22 16 23

fgekpy izns'k 6 8 1 2

>kj[kaM 9 9 21 6

tEew vkSj d'ehj 1 9 2 2

dukZVd 29 76 9 29

dsjyk 26 28 5 19

eè; izns'k 72 65 14 18

egkj"Vª 65 107 36 33

ef.kiqj 1 2 2

mM+hlk 23 15 7 11

iatkc 17 124 18 29

jktLFkku 34 66 9 14

rfeyukMq 46 73 12 33

f=kiqjk 1 1

mÙkjkapy 9 1 3

mÙkj izns'k 64 97 33 37

if'peh caxky 26 22 15 25

laiw.kZ Hkkjr dk ;ksx 571 977 262 398


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izkfèkdj.k frfFk;ksa vkSj fofu;eksa ds micaèkksa dks è;ku esa j[krs

gq,] ekeyksa esa xq.kkxq.k ds vkèkkj ij cpko djrs gq,]

okLrfod ekeyksa esa leqfpr lykg nsuk gSA eksVj chek izhfe;eds yksfMax iSjkehVjksa ds lacaèk esa lkèkkj.k chek&;kfpdkvksa dks

fu"iQy Bgjk;k x;kA chek xzkgdksa dh okLrfod f'kdk;rksa ds

lekèkku ds fy, izkfèkdj.k esa ,d f'kdk;r lekèkku dhiz.kkyh LFkkfir dh xbZ gS vkSj blesa f'kdk;rksa ij le; ls

è;ku fn;k tkrk gSA

chek vfèkfu;e] 1938 ds dqN micaèkksa ds lacaèk esa dqNekeys U;k;ky;ksa esa iQkby fd, x, gSa vkSj izkfèkdj.k }kjk

tkjh vuqns'kksa@funs'kksa dks Hkh pqukSrh nh xbZ gSA ,slk ,d ekeyk

izkfèkdj.k }kjk cSadksa ls] muds xzkgd MkVkcsl ij idM+ cukusvkSj mudh lqfoèkkvksa dk mi;ksx djus ds fy, lanHkhRed

O;oLFkk djus okyh thou chek daifu;ksa dks fn, x, funs'kksa

ls lacafèkr gSaA chekdÙkkZ] cSad }kjk lanHkhRed O;oLFkk dsvèkhu miyCèk djk, x, MkVk csl ds vkèkkj ij xzkgd izkIr

djus esa Hkkxhnkjh djus ds fy, bl lqfoèkk dk dsoy viuk

MkVkcsl varfjr dj jgs gSa] fdUrq chekdÙkkZ dh vksj lsdkjckj izkIr ugha dj jgsA cktkj dk fodkl djus ds fopkj

ls chek dkjckj ds i;Zos{k.k vkSj dkjckj lapkyu ls lacafèkr

fHkUu&fHkUu eqn~nksa ij fd, x, frfFk ds fofHkUu micaèkksa vkSjtkjh vuqns'kksa ds n'kZu dks U;k;ky;ksa esa iQkby izfrdFkuksa@mÙkjksa

esa Li"V fd;k x;k gSA

xSj&thou chek dkjckj ls lacafèkr VSfjiQ ds Li"Vhdj.k@fuoZpuls tqM+s ekeyksa esa izkfèkdj.k dks Hkh i{kdkj cuk;k x;k gSA

dqN ekeyksa esa izkfèkdj.k dks vkSipkfjd i{kdkj cuk;k x;k

gSA mnkgj.kkFkZ] ifCyd lsDVj chek daifu;ksa esa dkfeZdksa dh

izksUufr ds ekeys esa] ikfylh ds vèkhu dfri; ,sls iQk;nksa dslacaèk esa] ftudk lekèkku varr% lacfèkr chekdÙkkZvksa }kjk

fd;k tkrk gSA izkfèkdj.k us bu ekeyksa esa cpko djrs gq,

U;k;ky;ksa esa iQkby fd, tkus ds fy, mfpr izfrdFku@mÙkj

rS;kj djus ds fy, chekdÙkkZvksa dh jk; yh FkhA

(v) chek esa varjjk"V ªh; lg;ksx

izkfèkdj.k dks varjjk"Vªh; chek i;Zos{kd lHkk (vkbZñ,ñvkbZñ,lñ)vkSj blds lnL;ksa ns'kksa ls blds lacaèk esa le;≤ ij

fofHkUu fofu;eksa vkSj fn'kkfunsZ'kksa dks cukus esa dkiQh enn

feyh gSA vkbZñ,ñvkbZñ,lñ ds lnL;ksa us] tks chek m|ksx esacgr vuqHko ds lkFk vU; vfèkdkfjrk {ks=kksa esa fofu;ked gSa]

tc dHkh mUgsa mudh vfèkdkfjrk okyh chek daifu;ksa vkSj

eè;ofrZ;ksa ds lacaèk esa funsZ'k] fd;k x;k gS] ges'kk lg;ksxfd;k gSA izkfèkdj.k us iwjs fo'o dh fofHkUu vfèkdkfjrkvksa

dh tkudkfj;ksa ls iQk;nk mBk;k gSA vkbZñ,ñvkbZñ,lñ us izkfèkdj.k

ls ,f'k;k {ks=k esa fofu;kedksa ds fy, laxksf"B;ksa vkSj izf'k{k.kdk;ZØeksa ds vk;kstu esa lg;ksx fd;k Fkk] ftuesa izkfèkdj.k

ds vfèkdkfj;ksa us Hkh Hkkx fy;k FkkA

izkfèkdj.k fuEufyf[kr lfefr;ksa@mi&lfefr;ksa ds dk;Zdj.k

ls lfØ; :i ls tqM+k gS vkSj blds vè;{k lnL; bu

lfefr;ksa dk izfrfuf/Ro djrs gSa (tksfd lkj.kh 48 esa minf'kZr

gS) %


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oLrqr% izkfèkdj.k chek i;Zos{k.k ds ewy fl¼karksa ds fØ;kUo;uds fy, izfrc¼ gSA izkfèkdj.k mlds }kjk tkjh fd, x,fofHkUu fofu;eksa vkSj ekxZn'kZuksa dks bu fl¼karksa ds vuq:icukus ds fy, fujarj iz;kl dj jgk gSA ;g mYys[kuh; gS fdizkfèkdj.k us chek i;Zos{kdksa dh varjjk"Vªh; lHkk ds lg;ksxls chek diV vkSj izfr èku&'kksèku mik; fo"k; ij tuojh2003 esa ubZ fnYyh esa vkbZñ,ñvkbZñ,lñ f=ki{kh; cSBd dkvk;kstu fd;k FkkA fo'o ds vusd ns'kksa ls vk, Hkkx ysussokys O;fDr;ksa us bldh ljkguk dh FkhA

blds lkFk gh izkfèkdj.k us izf'k{k.k dk;ZØeksa vkSj lEesyuksads vk;kstu esa Hkh igy dhA lkdZ (nf{k.k ,f'k;k) dsfofu;kedksa ds vfèkdkfj;ksa ds fy, ,sls igys izf'k{k.k dkizkfèkdj.k }kjk vk;kstu fd;k x;k FkkA Hkkjr ds vfrfjDrJhyadk] HkwVku] usiky vkSj ekynho ds fofu;kedksa us bl pkjlIrkg yacs dk;ZØe ds fy, vius vfèkdkfj;ksa dks ukefunsZf'krfd;kA vkbZñvkbZñvkjñ,eñ vkSj izkfèkdj.k us vkbZñ,ñvkbZñ,eñds ewy fl¼karksa ij ,d varjjk"Vªh; lEesyu dk vk;kstufd;k] ftlesa lkdZ vkSj vkfl;ku ns'kksa ds fofu;kedksa dseè;e Lrj ds vfèkdkfj;ksa us Hkkx fy;k FkkA blds i'pkr~

isa'ku lEesyu vk;ksftr fd;k Fkk] ftldk mís'; Hkkjr esa thouchekdÙkkZvksa] cSadksa vkSj vU; foÙkh; laLFkkvksa dk bl {ks=k esalqèkkj izfØ;k ij è;ku vkdf"kZr djuk FkkA nksuksa lEesyuksa dksvarjk"Vªh; fo'ks"kKksa@oDrkvksa }kjk lacksfèkr fd;k x;k Fkk vkSjbudh dkiQh ljkguk dh xbZ FkhA izkfèkdj.k] lkdZ ns'kksa ds chekfofu;kedksa ds chp lg;ksx vkSj rkyesy ds laoèkZu ds fy,nf{k.k ,f'k;k fofu;ked eap ls fudV :i ls tqM+k gSaA ;gmYys[kuh; gS fd izkfèkdj.k ds vè;{k us fnlacj] 2002 esa eapds vè;{k ds :i esa inHkkj xzg.k fd;kA

vksñbZñlhñMhñ us Hkh] isa'ku fofu;eu ds {ks=k esa izkfèkdj.k lsHkkxhnkjh dh gS vkSj mls egRoiw.kZ tkudkfj;ka nh gSa] ftUgsa chekm|ksx ds fofHkUu i.kèkfj;ksa dks crk;k x;k gSA blds vfrfjDrizkfèkdj.k vadVsM] vkbñ,uñihñvkjñ,lñ] ;wñ,lñ,sM vkSj,uñ,ñvkbZñlh ls tSlh varjjk"Vªh; laLFkkvksa ls Hkh lg;ksx djjgk gSA

la;qDr jkT; dk varjjk"V ªh; fodkl lacaèkh vfHkdj.k(;wlsM)

Hkkjr ljdkj vkSj la;qDr jkT; dh ljdkj ds chp 1993 lsgh f}i{kh; ifj;kstuk vuqnku djkj gSA pkj o"kZ dh vofèk

lkj.kh - 48

vkbZñ,ñvkbZñ,lñ lfefr;ka@ mi&lfefr;kaØe lañ mi&lfefr;ka

1- dk;Zikyd lfefr

2- mHkjrs cktkj lfefr

3- rduhdh lfefr

4- ys[kk 34 lfefr

5- chek ds eq[; fl¼karksa ds fu/kZj.k vkSj dk;kZUo;u ij dk;Z cy

6- laizs{k.k vkSj lnL;rk eqn~nksa ij dk;Zdkjh lewg

mi&lfefr;ka

1- chek diV mi&lfefr

2- chek fufèk] fofu;e] O;ogkj vkSj ekud mi&lfefr

3- iqu% chek mi&lfefr

4- f'k{kk mi&lfefr

5- ys[kk mi&lfefr

fVIi.k % izkfèkdj.k dk vè;{k] vkbZñ,ñvkbZñ,lñ dh fofHkUu lfefr;ksa dk lnL; gS vkSj izkfèkdj.k ds lnL; fofHkUu mi&lfefr;ksa esa bldk

izfrfufèkRo djrs gSaA


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ls ppkZ,a dh gSaA blds vfrfjDr] izkfèkdj.k us ;wlsM ny dsijke'kZ ls LokLF; ij ,d dk;Zdkjh ny dk xBu fd;k gS tksHkkjr esa LokLF; chek lacaèkh fpark ds lHkh eq[; uhfrfo"k;d eqíksa dks fof'k"Vrk nsus ds fy, m|ksx ds lHkhi.kèkkfj;ksa ls ckrphr djsxkA dk;Zdkjh ny igys gh ,dcSBd dj pqdk gSA ny us izkfèkdj.k ds ijke'kZ ls ,sls ,dny ds xBu dk izLrko fd;k gS] tks chek vfèkfu;e] 1938vkSj Hkkjr esa chek dkjckj ds fofHkUu igyqvksa ls lacafèkrvU; vfèkfu;eksa esa ifjorZuksa@iqufoZyksdu dh fliQkfj'k djsxkALokLF; vkSj lkèkkj.k chek dkjckj dh chekadd izcaèku ijeqacbZ esa ,d vU; laxks"Bh vk;ksftr dh xbZ FkhA

lsokvksa esa O;kikj ij lkèkkj.k djkj (xsVl) vkSjfo'o O;kikj laxBu (MCY;w V h vks)

,dkfèkdj.k ls izfr;ksfxrk esa ifjorZu esa foosdiw.kZ fofu;eksadh egRoiw.kZ Hkwfedk gksrh gSA ,dkfèkdj.k lekIr djuk vkSjlkFk gh vfuok;Z midjksa dh i¼fr dks rFkk VSfjiQksa dks lekIrdjuk izkÑfrd :i ls Hkkjrh; chek cktkj dh lqO;ofLFkrfodkl izfØ;k ds Hkkx :i esa iqu%chek ds y{;ksa dks izkIrdjus ds fy, iwoZ ladsr nsrs gSaA blds lkFk&lkFk chek vkSjiqu%chek i;Zos{k.k O;ogkjksa dks laxr cukuk pkfg,A chek vkSjiqu%chek ds dM+s foosdiw.kZ fu;e ykxw djuk] xsVl dsfofèkiw.kZ] vfuok;Zrk vkSj vuqikr ds fl¼karksa ls laxr gksukgksxk] ftlls fd ,slh vuisf{kr O;kikj vM+pusa u [kM+h gkstk,a ftudk izfr;ksfxrk ij foijhr izHkko iM+s] ftlds dkj.kdkjckj] uohurk vkSj cktkj n{krk esa ckèkk,a mRiUu gksaA

xsVl ds vuqPNsn 19 ds vèkhu fofufnZ"V izfrc}rkvksa dhckrphr] tks ;g dFku djrk gS fd ^^djkj ds mís';ksa dsvuqlj.k esa lnL; izxfr'khy mnkjhdj.k ds mPprj Lrjksa dksizkIr djus ds fy, xsVl djkj izoÙk gksus dh rkjh[k ls ikapo"kZ ds Hkhrj vkSj mlds i'pkr~ vkofèkd :i ls ckrphr dsnkSj vkjaHk djsaxsA MCY;w Vh vks esa tuojh] 2000 ls fofufnZ"Vizfrc¼rkvksa ij foLr`r ckrphr dk ,d u;k nkSj vkjaHk gqvkgSA

ckrphr ds vkns'k dks Li"V djus ls xsVl ds Hkkx 4 esa^izxfr'khy mnkjhdj.k* 'kh"kZ ds vèkhu fofgr fd;k x;k gSAbu ckrphrksa dk eq[; mís'; lHkh lsok {ks=kksa esa vkSj lsok ds

rd pyus okys bl dk;ZØe ds vèkhu la;qDr jkT; dkvarjjk"Vªh; fodkl lacaèkh vfHkdj.k_ 'kgjh fodkl vkSjxjhch mUewyu ea=kky;_ vkSj 'kgjh dk;Z jk"Vªh; laLFkku]foÙkh; laLFkkvksa esa lqèkkj vkSj foLrkj&½.k cktkj la?kVd(vfXu&N) ij dk;Z dj jgs gSaA vfXu ifj;kstuk dk mís';]nh?kZdkyhu vkèkkj ij vkSj visf{kr ekuksa ij dfBu {ks=kksa dhleL;kvksa dks nwj djus esa l{ke mik;ksa dh igpku djus dsfy, futh {ks=k ds vfLrRoksa vkSj ,u th vks lfgr Hkkjrh;Hkkxhnkjh laLFkkvksa dh jsat esa of¼ djuk gSA

;wlsM us izkfèkdj.k ds ijke'kZ ls ,d cgqr cM+h ;wlsM&foÙkh;laLFkk lqèkkj vkSj foLrkj (vfXu) ifj;kstuk rS;kj dh gSAdk;ZØe ds vèkhu Hkkjrh; chek {ks=k ds fodkl ds fy,rduhdh lgk;rk nh tk,xhA ;wlsM us vfXu ifj;kstuk dschek Hkkx ds dk;kZUo;u ds fy, ,d ny rSukr fd;k gSAmDr ny us gSnjkckn esa viuk ifj;kstuk dk;kZy; LFkkfirfd;k gSA vfXu ifj;kstuk ds vèkhu ;wlsM ny izkfèkdj.k dhfuEufyf[kr lqlaxr {ks=kksa esa lgk;rk dj jgk gS %µ

l chek daifu;ksa dh 'kksèku {kerk vkSj cktkj vkèkkjA

l foÙkh; tkap eSuqvy rS;kj djukA

l lkèkkj.k chek ds chekadu izcaèku ij laxksf"B;ksa@dk;Z'kkykvksadk vk;kstuA

l ch fo fo izk lwpuk izkS|ksfxdh fofu;ked ra=k dkfodkl

l miHkksDrk laj{k.k

l iqu% chek djkjksa dk iqufoZyksdu

l Hkkjr esa LokLF; chek ij uhfr fo"k;d eqís

ifj;kstuk ny us bu eqíksa ij ijke'khZ dk;Z vkjaHk dj fn;k gSAgSnjkckn es a chekdÙkkZvks a dh foÙkh; tkap ij ,dlaxks"Bh@dk;Z'kkyk vk;ksftr dh xbZ Fkh vkSj bl laxks"Bh@dk;Z'kkykijh{kk ds nkSjku izkIr lwpukvksa dks lfEefyr djrs gq, ,dizk:i eSuqvy rS;kj fd;k x;k gSA ny us izkfèkdj.k ds fy,lwpuk izkS|ksfxdh fofu;ked ra=k ds fodkl vkSj blds mi;kstuij vk'kf;r ifj.kkeksa ds eqís ij Hkh dk;Z djuk vkjaHk djfn;k gSA ;wlsM miHkksDrk laj{k.k fo'ks"kK us izkfèkdj.k dsvfèkdkfj;ksa] vksecMlesu vkSj vU; miHkksDrk laj{k.k laxBuksa


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ofÙkdksa vkSj dq'ky Jfedksa ds fy, ,d cM+h cktkj igqapizkIr djus esa gS] D;ksafd blds ikl vfèk'ks"k izf'kf{kr vkSjdq'ky yksx gSaA bl izdkj bu ckrphrksa esa VªsM&vkWiQ dk izfr{ks=kkRed gksuk vo';EHkkoh gS D;ksafd Hkkjr eq[;r% ofÙkdlsok {ks=k esa igqap dh ekax djsxk vkSj vU; nwjlapkj lsokvksa]ifjogu lsokvksa] forj.k lsokvksa] tSls volajpuk {ks=kksa eas vkSjfoÙkh; lsokvksa esa vfèkd cktkj igqap dh ekax djsaxsA

(vi) yksd f'kdk;rsa

,sls ,d mís'; dh] ftlds fy, izkfèkdj.k dh LFkkiuk dhxbZ gS] vFkkZr gj laHko rjhds ls ikfylhèkkjdksa ds fgrksa dklaj{k.k djuk] iwfrZ ds fy, blds iz;klksa ds vuq:i izkfèkdj.kus 18 uoacj] 2002 dks ?kjsyw miHkksDrk f'kdk;r izdks"B (lhth lh) dh LFkkiuk dh FkhA lh th lh dk xBu] f'kdk;rksadh izÑfr ij è;ku u nsrs gq,] chek xzkgdksa dh chek daifu;ksads izfr f'kdk;rsa izkIr djus vkSj muds 'kh?kz lekèkku ds fy,chekdÙkkZ dh vksj ls ml ij 'kh?kz dkjZokbZ djus dks lqfuf'prdjus ds ,dek=k nkf;Ro ds lkFk fd;k x;k gSA chek daifu;ksadks lh th lh ds ltu ds vkSj daifu;ksa }kjk mUgsa iwfrZDrk dsvkèkkj ij fy, tkus ds lacaèk esa lykg nh xbZ gSA izkfèkdj.kikfylhèkkjdksa ds fgrksa ds izfr fdruk xaHkhj vkSj lPpk gS] ;gbl ckr ls irk pyrk gS fd fjiksVZ ds o"kZ ds nkSjku izkfèkdj.kus xaHkhjrkiwoZd chek ikfylhèkkjdksa dks mUgsa miyCèk vfèkdkjksavkSj fo'ks"kkfèkdkjksa ds izfr rFkk ml ra=k ds lacaèk esa tkx:dcukus dk dk;Z fd;k] ftlds ekè;e ls os vius chek lacaèkheqíksa dk lekèkku dj ldrs gSaA bl tkudkjh ds izlkj dk dk;ZfnlEcj] 2002 ls fujarj bySDVªkWfud vkSj fizaV ehfM;k dsekè;e ls fd;k tk jgk gSA

izkfèkdj.k dks ;g ns[k dj g"kZ gks jgk gS fd ikfylhèkkjdksa dsfgrksa ds laj{k.k dh fn'kk esa blds iz;kl izHkkoh fl¼ gks jgsgSa] D;ksafd daifu;ksa dks nh xbZ f'kdk;rksa dks izHkkoh :i lsfuiVk;k x;k gSA izkfèkdj.k }kjk izkIr f'kdk;rksa vkSj thourFkk xSj&thou chekdÙkkZvksa }kjk mUgsa fuiVk;s tkus ds C;kSjuhps fn, x, gSaA thou chekdÙkkZvksa vkSj lkèkkj.k chekdÙkkZvksadks fufnZ"V f'kdk;rksa dh rkjh[k 30 flracj] 2003 dks fLFkfrØe'k% lkj.kh 49 vkSj 50 esa gSA

iznk;ksa ds lHkh 4 <axksa esa mnkjhdj.k dk mPprj Lrj izkIrdjuk gSA ckrphr foLr`r gksaxh] vkSj lHkh MCY;w Vh vks dslnL;ksa ds fy, larqyu izkIr djus ds fy, buesa lHkh {ks=kksavkSj iznk; ds <axksa dks lfEefyr fd;k tk,xk vkSj fdlh endks NksM+k ugha tk,xkA xsVl ds vèkhu lsok {ks=kh; oxhZdj.klwph esa 12 {ks=kksa vkSj 161 mi{ks=kksa dks lwphc¼ fd;k x;k gSvkSj ;s lHkh ckrphr dk Hkkx gksaxsaA

xsVl lsokvksa ds iznk; ds <axksa dks ekU;rk nsrk gSA ;s fuEukuqlkjgSa %

i. <ax 1 µ lhek ikj iznk;] mnkgj.kkFkZ fMLdsV]okLrqf'kYi uD'kksa] vkfn dk iznk;A

ii. <ax 2 µ fons'k esa miHkksx] mnkgj.kkFkZ fdlh i;ZVd}kjk fons'k esa lsok dk ykHk ysuk

iii. <ax 3 µ okf.kfT;d mifLFkfr] mnkgj.kkFkZ fons'k esaLFkkfir cSad 'kk[kk tSls fof/d vfLrRo ds :i esa

iv. <ax 4 µ izkÑfrd O;fDr;ksa dk lapyu] mnkgj.kkFkZ]ofÙkdksa] dq'ky vkSj vdq'ky Jfedksa dk vLFkk;hvofèk ds fy, vkuk tkukA blds varxZr LFkk;hns'kkarj.k ugha gSA

izkfèkdj.k us Hkkjr ljdkj dks] chek {ks=k ds fof'k"V izfrfunsZ'kls viuk, tk ldus okys er ij vius fopkj crk, FksA tSlkfd igys dgk tk pqdk gS] vkus okys nkSjksa esa lHkh {ks=kksa vkSjiznk; ds <axksa ij ckrphr dh tk,xhA rFkkfi] fodflr vkSjfodkl'khy ns'kksa ds utfj;s esa lw{e Lrjksa ij fHkUu fgrksa dsdkj.k fHkUurk gksus dh laHkkouk gSA lHkh laHkkoukvksa esafodflr ns'k okf.kfT;d mifLFkfr ls lacafèkr <ax 3 eas vfèkdmnkjhdj.k ds fy, tksj nsaxs] D;ksafd mudh fnypLih viuhiawth ds fy, cM+h cktkj igqap cukus esa gksxhA vr%] Hkkjrlfgr fodkl'khy ns'kksa ij ;g ncko gksxk fd os <ax 3 esavfèkd cktkj igqap miyCèk djk,a vkSj bl <ax esa vfèkd {ks=klfEefyr djsaA

nwljh vksj] Hkkjr lfgr dbZ fodkl'khy ns'kksa ds fy, fu;kZrdk eq[; Ïksr ^^izkÑfrd O;fDr;ksa ds lapyu** ls lacafèkr<ax 4 gh jgsxkA fo'ks"kdj Hkkjr dh fnypLih <ax 4 esa vius


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lkj.kh - 49

vizSy] 2002 ls flracj] 2003 dh vof/ esa thou chekdÙkkZvksa ds fo#¼izkf/dj.k dks izkIr f'kdk;rksa dh fLFkfr

Øe daiuh dk uke daiuh dks fufnZ"V fuiVkbZ xbZ yafcrla- f'kdk;rksa dh f'kdk;rksa dh f'kdk;rksa dh

la[;k la[;k la[;k

1. 9 7 2

2. 2 2 0

3. 4 3 1

4. 10 9 1

5. 5 3 2

6. 3 3 0

7. 2 1 1

8. 1 1 0

9. . 2 2 0

10. 1 0 1

11. 571 221 350

610 252 358

** ;gka fn, x, vkadM+s izkf/dj.k }kjk ,y vkbZ lh ds iwjs ns'k esa fLFkr fofHkUu {ks=kh; dk;kZy;ksa dks fufnZ"V f'kdk;rksa dh dqyla[;k ls lacaf/r gSaA

1. nkoksa dk lek/ku u gksuk@lek/ku esa nsjh 189

2. nkoksa dk xyr jhfr eas fujkdj.k@fuEu jkf'k ij lek/ku 5

3. ikWfylh dk uohdj.k u djuk@jí djuk@tkjh u fd;k tkuk@vU; lacaf/r eqís 184

4. vf/dkfj;ksa dk vlg;ksxh@xyr joS;k 50

5. vU; dkj.k 182

;ksx 610

dh xbZ dkjZokbZ1. dkjZokbZ dh xbZ vkSj ekeyk lekIr dj fn;k x;k 252

2. i=k dh vfHkLohÑfr nh xbZ vkSj mÙkj dh izfr{kk dh tk jgh gS 45

3. dkjZokbZ@mÙkj dh izrh{kk dh tk jgh gS 313

;ksx 610

esDl U;w;kdZ thou chek daiuh

,l ch vkbZ thou chek daiuh fy-

,yk,at ctkt ykbZiQ bu';ksjsal da-fy-

vkbZlhvkbZlhvkbZ izwMsaf'k;y ykbZiQ bu';ksjsal da-fy-

VkVk , vkbZ th ykbZiQ bu';kjsal da-fy-

vkbZ ,u th oS'; ykbZiQ bu';ksjsal da-fy-

vkse dksVd ykbZiQ bu';ksjsal da-fy-

fcjyk luykbZiQ bu';ksjsal da-fy-

,p Mh ,iQ lh LVsaMMZ ykbZiQ bu';ksjsal da-fy-

eSVykbZiQ bafM;k bu';ksjsal da-fy-

ykbZiQ bu';ksjsal dksiksZjs'ku vkWiQ bafM;k**

;ksx


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xSj&thou daifu;ksa dh fufnZ"V f'kdk;rksa dh 30 flarcj] 2003 dks fLFkfr uhps lkj.kh 50 esa nh xbZ gS %

lkj.kh - 50

vizSy] 2002 ls flrEcj] 2003 dh vof/ esa xSj&thou chekdÙkkZvksads fo#¼ izkf/dj.k dks izkIr f'kdk;rksa dh fLFkfr

Øe daiuh dk uke daiuh dks fuiVkbZ xbZ yafcrla fufnZ"V f'kdk;rksa f'kdk;rksa f'kdk;rksa

dh la[;k dh la[;k dh la[;k1. 346 162 184

2. 522 100 422

3. 426 302 124

4. 421 105 316

5. 38 22 16

6. 23 17 6

7. 2 2 0

8. 11 6 5

9. 4 3 1

10. 2 1 1

11. 3 2 1

12. 9 9 0

1807 731 1076

1. nkoksa dk lek/ku u gksuk@lek/ku esa nsjh 1146

2. nkoksa dk xyr jhfr esa fujkdj.k@fuEu jkf'k ij lek/ku 159

3. ikfylh dk uohdj.k u djuk@jídj.k@tkjh u fd;k tkuk@vU; lacaf/r eqís 382

4. vf/dkfj;ksa dk vlg;ksxh@xyr joS;k 18

5. vU; dkj.k % 102

;ksx 1807

dh xbZ dkjZokbZ

1. dkjZokbZ dh xbZ vkSj ekeyk lekIr dj fn;k x;k 731

2. i=k dh vfHkLohÑfr nh xbZ vkSj mÙkj dh izfr{kk dh tk jgh gS 873

3. dksbZ mÙkj ugha 203

;ksx 1807

n vksfj,saVy bu';kjsal da-fy-

n U;w bafM;k ,';ksjsal da-fy-

;wukbZVsM bafM;k bu';ksjsal da- fy-

uS'kuy bu';ksjsal da-fy-

ctkt ,ykbal tuZy bu';ksjsal da-fy-

VkVk , vkbZ th tuZy bu';ksjsal da- fy-

blhthlh vkWiQ bafM;k

jkW;y laqnje ,yk,at tuZy bu';kjsal da-fy-

vkbZ ,iQ ,iQ lh vks Vksfd;ks tuZy bu';kjsal da-fy-

fjyk,al tuZy bu';ksjsal da-fy-

pksykeaMye ,e ,l tuZy bu';ksjsal da-fy-

vkbZ lh vkbZ lh vkbZ yksEckMZ tuZy bu';ksjsal da-fy-

;ksx


3rd

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chek vksecM~lesu] fdlh Hkh ,sls O;fDr dks] ftls f'kdk;r

gks] chekdÙkkZ dh oS;fDrd :ijs[kk ds lacaèk eas f'kdk;r izkIr

djus vkSj ml ij fopkj djus ds fy, l'kDr gSA f'kdk;rfyf[kr esa vkSj ml 'kk[kk ;k dk;kZy; ds ftlds fo#¼

f'kdk;r gS] {ks=k ij vfèkdkfjrk j[kus okys vksecM~lesu dks

lacksfèkr gksuh pkfg,A f'kdk;r] chekdÙkkZ ds fo#¼ fdlh HkhO;Fkk ls lacafèkr gks ldsxh_ chekdÙkkZ }kjk nkoksa dk Hkkfxd

;k iw.kZ ifjR;kx] ikfylh ds fucaèkuksa ds vuqlkj lanÙk ;k

lans; izhfe;eksa ds lacaèk esa fookn] nkoksa ls lacafèkr fookn dhn'kk eas ikfylh ds 'kCnksa dh fof/d lajpuk ij fookn] nkoksa

ds lekèkku esa foyac vkSj izhfe;e dh izkfIr ds i'pkr~ xzkgd

dks dksbZ chek nLrkost tkjh u djukA

vksecM~lesu dh 'kfDr;ksa dh orZeku lhek 90 yk[k #i, gSA

yksd f'kdk;r fuokj.k fu;e] 1998] ftuds vèkhu chekvksecM~lesu dh fu;qfDr dh xbZ gS] izkfèkdj.k ds] ftls

ikfylhèkkjdksa ds fgrksa ds laj{k.k ds fy, lHkh vko';d

mik; djus dh vkKk nh xbZ gS] fofu;ked ÑR;ksa ds vuqiwjdgSaA vksecM~lesu dh laLFkk dk yksxksa }kjk Lokxr fd;k x;k gSA

mikcaèk 8 dh lkjf.k;ka (d ls x) vksecM~lesu }kjk fuiVkbZxbZ f'kdk;rksa dh la[;k minf'kZr djrh gSaA vksecM~lesu }kjk

fofHkUu dsUnzksa ij fuiVkbZ xbZ f'kdk;rksa dk fo'ys"k.k ;g

minf'kZr djrk gS fd vksecM~lesu }kjk izkIr f'kdk;rksa dhla[;k esa 25% ls vfèkd of¼ gqbZ gSA vksecM~lesu dks o"kZ

2002&03 ds nkSjku] 3898 f'kdk;rsa izkIr gqbZ Fkha] tks xSj&thou

{ks=k ls lacafèkr Fkha vkSj muesa ls 2947 dk fuiVkjk dj fn;kx;k FkkA thou chek {ks=k esa] 2481 ekeys izkIr gq, Fks] ftuesa

ls 1917 dk fuiVkjk dj fn;k x;k FkkA

chek vksecM~lesu ds dk;kZy; le;≤ ij] miHkksDrkvksa

dks mudh f'kdk;rksa ds fuokj.k ds fy, fofHkUu ekxks± ds

fo"k; esa f'kf{kr djus ds fy, iqfLrdk,a fudkyrs gSaA chek

vksecM~lesu dh lwph lkj.kh 51 esa gSA

(vii) lykgdkj lfefr dk dk;Zdj.k

ch-fo-fo-izk- vfèkfu;e ds vèkkhu chek lykgdkj lfefr dk

xBu] izkfèkdj.k dks fofu;e cukus ls lacafèkr ekeyksa ij vkSj

vU; fofgr fd, tkus okys ekeyksa ij lykg nsus ds fy,fd;k x;k gSA izkfèkdj.k }kjk vfèklwfpr lHkh fofu;eksa dks

bl lfefr ds ijke'kZ ls vafre :i fn;k tkrk gSA fjiksVkZèkhu

vofèk ds nkSjku] lfefr dh ,d cSBd 23 flracj] 2002 dksgqbZ FkhA lfefr dh cSBd esa] dk;Zlwph dh vU; enksa ds

vfrfjDr chek nykyksa] thou chek dkjckj esa vfèk'ks"k ds

forj.k vkSj fuxe vfHkdÙkkZvksa ls lacafèkr izk:i fofu;eksa ijfoLrkj ls ppkZ dh xbZ FkhA vHkh rd lfefr }kjk 6 cSBdsa dh

xbZ gSaA ;g 25 lnL;h; lfefr] okf.kT;] m|ksx] ifjogu]

Ñf"k] miHkksDrk eapksa] efgykvksa] losZ{kdksa] vfHkdÙkkZvksa]eè;ofrZ;ksa] lqj{kk vkSj gkfu fuokj.k esa yxs laxBuksa] vuqlaèkku

fudk;ksa vkSj chek {ks=k ls tqM+h deZpkjh lHkkvksa ds fgrksa dk

izfrfufèkRo djrh gSA lykgdkj lfefr ds lnL;ksa dh lwph

mikcaèk 9 ij gSA

(viii) vksecM~lesu dk dk;Zdj.k

ikfylhèkkjdksa ds fgrksa ds laj{k.k vkSj iz.kkyh esa muds

fo'okl dks cuk, j[kus esa vksecM~lesu dh laLFkk ,d

egRoiw.kZ Hkwfedk fuHkkrh gSA bl laLFkk us miHkksDrkvksa dkschekdÙkkZvksa esa fo'okl cukus vkSj mls cuk, j[kus esa lgk;rk

dh gSA chek ifj"kn us] tks ,d iz'kklfud fudk; gS] ns'k esa

ckjg vksecM~lesu fu;qDr fd, gSa vkSj mUgsa vko';d volajpukiznku dh gSA daifu;ksa ls rhu ekl dh vofèk ds Hkhrj

vksecM~lesu }kjk fn, x, iapkV dk lEeku djus dh vis{kk

dh tkrh gSA iapkV chek daifu;ksa ij ckè;dj gS_ rFkkfixzkgd] ;fn os ,slk fu.kZ; djrs gSa rks f'kdk;r lekèkku ds

vU; fodYi ys ldrs gSaA vksecM~lesu dks fu;e ds vèkhu

nks dk;Z lkSais x, gSaµ,d lqyg djuk vkSj nwljk iapkV nsukA


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lkj.kh - 51

chek vksecM~lesu dh lwph

vksecM~lesu dk lEidZ ds C;kSjs vfèkdkfjrk {ks=kdk;kZy;

vgenkckn xqtjkr] nknjk vkSj ukxj gosyh] neu vkSjnwljk ry] vafcdk gkÅl] (vk-)7546150 }hi la?k jkT;{ks=klehi lh-;w- 'kkg egkfo|ky;] iSQDl% 079-7546142

5, uo;qx dkWyksuh] bZ&esy% [email protected]

vkJe jksM]vgenkckn - 380 014

Hkksiky eè; izns'k vkSj NÙkhlx<+igyk ry] 117, tksu-II, (vk-)578100

(Mh-,e- eksVlZ izk-fy- iSQDl% 0755-578103

ds Åij) bZ&esy% [email protected]

egkjk.kk izrki uxj]Hkksiky - 462 011

Hkqous'oj mM+hlk62, iQksjLr ikdZ] (vk-)535220

Hkqous'oj - 751 009 iSQDl %0674-531607

bZ&esy% susantamishra@yahoo.

com; [email protected]

p aMhx<+ iatkc] gfj;k.kk] fgekpy izns'k] tEew vkSj,l-lh-vks- la[;k 101,102 vkSj 103, (vk-)706196 d'ehj] paMhx<+ la?k jkT; {ks=knwljk ry] c=kk fcfYMax] bihch,Dl% 0172-706468

lsDVj 17-Mh, iSQDl % 0172-708274

paMhx<+ - 160 017

p sUubZ rfeyukMq] la?k jkT;{ks=k&ikafMpsjh 'kgjiQkfrek v[rj dksVZ] (vk-)4333678 vkSj djkbZdy (tks ikafMpsjh la?k jkT;{ks=kpkSFkk ry] 453 (igys 312 ) iSQDl % 044-4333664 dk Hkkx gS)vUuk lykbZ] frFkkuseisV bZ&esy% [email protected]

psUubZ -600 018

fnYyh fnYyh vkSj jktLFkku2/2 ,] ;wfuolZy ba';kjsal (vk-)3239611

fcfYMax] vkliQ vyh jksM] iSQDl % 011-3230858

ubZ fnYyh � 110 002


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xqokgkV h vklke] es?kky;] ef.kiqj] fetksje]vDosfj;l] (vk-)413525 v#.kkpy izns'k] ukxkySaM vkSj f=kiqjkHkkLdj uxj] bihch,Dl% 0361-415430

vkj th cvk jksM+ iSQDl% 0361-414051

xqokgkVh - 781 021

gSnjkckn vkaèkz izns'k] dukZVd vkSj jkue la?k jkT;6-2-47, ;srq: VkolZ] {ks=k tks ikafMpsjh la?k jkT; {ks=k dk Hkkxlyhe iaQD'ku iSysl ds lkeus] (vk-)6574325 gS,-lh- xkMZl] iSQDl% 040/3376599

ydM+h dk iqy] bZ&esy% [email protected]

gSnjkckn - 500 004.

dksfp dsjy] (d) y{k}hi] la?k jkT; {ks=k ([k)nwljk ry] lhlh 27/2603 (vk-) 373334 ekgs la?k jkT; {ks=k tks ikafMpsjh la?kiqfyuV fcfYMax iSQDl % 0484-373336 jkT; {ks=k dk Hkkx gSdksphu f'ki;kMZ ds lkeus] b Z &e sy % [email protected]

,e th jksM],ukZdqye - 682 015

dksydkrk if'peh caxky] fcgkj] >kj[kaM vkSjukFkZ fczfV'k Hkou] (vk-)2212666 / 2212669 vaMeku rFkk fudksckj }hi lewg jkT;{ks=k]29, ,u-,l- jksM] rhljk ry] iSQDl % 033-2212668 flfDdedksydkrk -700 001.

y[kuÅ mÙkj izns'k vkSj mÙkjkapyfpary gkÅl] izFke ry] (vk-)635486

16, LVs'ku jksM] iSQDl% 0522-636755

y[kuÅ - 226 001 bZ&esy% [email protected]

eqEcbZ egkjk"Vª] xksvkrhljk ry] thou lsok (vk-) 6106928

,usDlh] (,e Vh ,u ,y ds Åij) bZihch,Dl% 022-6106889

,l- oh- jksM] lkarkØwt (if'pe) iSQDl % 022-6106052, 6106980

eqEcbZ - 400 054 bZ&esy% [email protected] /

[email protected]

vksecM~lesu dk lEidZ ds C;kSjs vfèkdkfjrk {ks=kdk;kZy;

fVIi.k % chek ifj"kn ds 'kklh fudk; dk irk vkSj laidZ uacj % egklfpo]chek ifj"kn dk 'kklh fudk;thou lsok ,usDlh] rhljk ry (,e Vh ,u ,y ds Åij)] ,l-oh- ekxZ] 'kkarkØwt (i-)] eqacbZ&400 054

VsyhiQksu ua- % 022 - 610 6889 iQSDl ua- % 022 � 6106980, 610 6052

bZ esy vkbZ Mh % [email protected]


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ij lykg nsrh gSA izkfèkdj.k us bl lfefr dh fliQkfj'kksa dsvkèkkj ij vius miHkksDrk f'kdk;r foHkkx dks lfØ; fd;k gSA

eè;ofrZ;ksa ds ikfjJ fed ij fo'ks"kK lfefr

chek nykyksa vkSj vfHkdÙkkZvksa dks lans; ikfjJfed dks ljycukus ds fy,] Jh ,-lh- eq[kthZ dh vè;{krk ds vèkhu ,dfo'ks"kK lfefr dk xBu fd;k x;k gSA lfefr }kjk fnlacj]2003 esa fjiksVZ izLrqr fd, tkus dh laHkkouk gSA

ch-fo-fo-izk- }kjk fofu;fer vfLrRoksa ijrduhdh lfefr (iwath cktkj lacaèkh xfrfofèk;ksadk iqufoZyksdu)Hkkjr ljdkj us cSadksa] iawth cktkj vkSj chek fofu;kedksa]vFkkZr vkjchvkbZ] lsch vkSj ch-fo-fo- izk- ds chp lwpuk dsfu;fer vknku iznku ds fy, iawth cktkj lacaèkh ,d mPpLrjh;lfefr (,p ,y lh lh ,e) dk xBu fd;k FkkA ,p ,y lhlh ,e us izR;sd fofu;ked ds vèkhu rduhdh lfefr;ksa dkxBu fd;k gSA ch-fo-fo-izk- }kjk fofu;fer vfLrRoksa ijrduhdh lfefr;ksa esa fuEufyf[kr gksaxs %

● vè;{k % lnL;@dk;Zdkjh funs'kd] ch-fo-fo-izk-

● lnL;&leUo;d % lacafèkr foHkkx dk mifuns'kd] ch-fo-fo-izk-

● lsch] vkj ch vkbZ] vkSj foÙk ea=kky; ds ,sls izfrfufèktks la-l- @eq[; egkizcaèkd ls de jSad ds u gksaA

● lfefr] csgrj leUo;u vkSj chek {ks=k ds iawth cktkj lslacaèkksa dh fuxjkuh vkSj mUgsa ekuhVj djus ds fy, tcdHkh vko';d gks] chek daifu;ksa vkSj vUos"k.k vfHkdj.kksals O;fDr;ksa dks cqykus ds fy, izkfèkÑr gksxhA

lfefr ds dk;Z fucaèku fuEukuqlkj gSa %

(i) lfefr dk eq[; mÙkjnkf;Ro gksxk chek {ks=k dks iwath cktkjesa izos'k fn, tkus dk iqufoZyksdu djus ds fy, ,d ,slkvar%vfHkdj.k eap miyCèk djkuk] tks bl izos'k dsifj.kkeLo:i fdlh vlkekU; ?kVuk dh igpku djsxhA

(ii) lansgkLin cktkj dnkpkj ds ekeys esa tkap iM+rky@vUos"k.kdkjh vfHkdj.kksa dh tkudkjh nsus ds lacaèk esafofu'p; djukA

(iii) iSjkehVjksa dk vkn'kZ fodflr djuk] tks chek cktkj dsiawth cktkj esa izos'k djus ds lacaèk eas lkeus vkus okyhvfu;ferrkvksa ds izfr 'kh?kz psrkouh ns ldsaA

(ix) ch-fo-fo-izk- }kjk le;≤ ij xfBrfofHkUu lfefr;ksa ds dk;Z&fu"iknu dkiqufoZyksdu

jaxjktu lfefr

ch-fo-fo-izk- us eksVj VSfjiQ lekIr djus ds fy, U;k;ewfrZjaxjktu dh vè;{krk esa ,d lfefr dk xBu fd;k Fkk vkSjbldh fjiksVZ ds vkèkkj ij vizSy] 2005 ls eksVj esa Lo {kfr[kaM dk VSfjiQ lekIr djus dk fofu'p; fd;k x;k gSA fjiksVZds C;kSjs Hkkx 1 esa fn, x, gSaA

,l oh eksuh lfefr

jaxjktu lfefr dh fliQkfj'kksa ds vkèkkj ij eksVj nkf;Ro dsLo {kfr Hkkx esa Lora=k ewY; fuèkkZj.k dh iz.kkyh dks 1 vizSy]2005 ls izHkkoh djus dk fofu'p; fd;k x;k FkkA izkfèkdj.kus VSfjiQ lekIr i¼fr dks lqpk: :i ls vkjaHk djus ds fy,ekxZ cukus gsrq thvkbZlh ds iwoZ vè;{k vkSj ,-,e-ih- luekjds mikè;{k th ,l oh eksuh dh vè;{krk esa ,d lewg dkxBu fd;k] tks mRiknksa dh Lora=k cktkj esa miyCèkrk ds fy,miyCèk fodYiksa ij fopkj djsxk vkSj izkfèkdj.k dks foHksnhVSfjiQksa dks viuk, tkus lfgr bl lacaèk esa fd, tkus okysmik;ksa dk lq>ko nsxkA lfefr ds dk;Z fucaèku fuEukuqlkj gSa %

i. varjjk"Vªh; loksZÙke O;ogkjksa ds vuqlkj eksVj chek(Lo {kfr) ds ewY; fuèkkZfj.k ds fy, :ijs[kk rS;kjdjuk

ii. vfrjsd dks jksdus ds fy, jsfVax eksM~;wy ds ekudhdj.kdh vko';drk dh tkap djuk

iii. VSfjiQ u gksus dh fLFkfr esa fofu;ked ds ikl mRiknksads ^^iQkby vkSj mi;ksx** dh iz.kkyh dh vko';drk(chekadu foèkh{kk vkSj MkVkcsl)

● chek djus ls badkj djuk vkSj vfèkd ewY; fuèkkZj.kdjuk

● D;k chek dh ifjfèk dks ,d leku djus dh vko';drkgS vFkok Lora=k cktkj ifjfLFkfr;ka izpfyr dh tkldrh gSa

● nwljksa ds fy, ?kkrd ewY; fuèkkZj.k dh jksdFkke&mik;vkSj lqj{kksik;

miHkksDrk lykgdkj lfefr

,d miHkksDrk lykgdkj lfefr fo|eku gSA ;g lfefrle;≤ ij izkfèkdj.k dks miHkksDrk lacaèkh fofHkUu eqíksa


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ij ,d Lora=k losZ{kd vkSj gkfu fuèkkZjd laLFkku ds xBu dsfy, ,d C;kSjsokj izLrko fd;k gSA ,d iFkd~ laLFkku dsltu dh fliQkfj'k ds ihNs eq[; mís'; gS losZ{kdksa dh ofÙkesa] f'k{kk vkSj izf'k{k.k ds ekè;e ls xq.koÙkk dks c<+kok nsuk]vkSj lnL;ksa ds chp loksZÙke O;ogkjksa dks vkjaHk djus dkslqdj cukukA bl iz;kstu ds fy, ljdkj us U;w bafM;k,';ksjsal daiuh fyfeVsM ds iwoZ vè;{k Jh ds-,u- HkaMkjh dhvè;{krk esa ,d lfefr dk xBu fd;k gSA lfefr }kjk izLrqrfjiksVZ ds vkèkkj ij ljdkj us izkfèkdj.k dks Hkkjr dk pkVZMZvdkmVsaV laLFkku@ Hkkjr dk daiuh lfpo laLFkku ds ekMyij ,d Lo foÙkiksf"kr vkSj Lo fofu;fer laLFkku dks LFkkfirdjus dh lykg nh gSA izkfèkdj.k laLFkku ds 'kh?kzkfr'kh?kzLFkkiu ds fy, vkxs vkSj mik; dj jgk gSA laLFkku dsdk;Zdj.k dk rhu o"kZ dss i'pkr~ iqufoZyksdu fd;k tk,xkvkSj mlds i'pkr~ ;g fofu'p; fd;k tk,xk fd D;k blslaln ds vfèkfu;e }kjk dkuwuh izkfLFkfr iznku dh tk,A

chek vfèkfu;e] 1938 dk foLr`r iqufoZyksdu

izkfèkdj.k us Hkkjr ds fofèk vk;ksx dks chek vfèkfu;e] 1938dk iqufoZyksdu djus vkSj chek lacaèkh foèkkuksa dks laln ds,d vfèkfu;e ds :i eas lqn`<+ djus dh lykg nh FkhA blckr dk chek m|ksx ds lHkh i.kèkkfj;ksa us Lokxr fd;k FkkAfofèk vk;ksx us lHkh lacafèkr O;fDr;ksa dh Vhdk&fVIif.k;ksa dsfy, ,d ijke'khZ i=k tkjh fd;k FkkA izkfèkdj.k ds vfèkdkfj;ksaus Hkh bl izfØ;k eas Hkkx fy;k FkkA fofèk vk;ksx ls izkIr gq,lq>koksa@Vhdk&fVIif.k;ksa ij fopkj djus ds i'pkr~ viuhfliQkfj'ksa Hkkjr ljdkj dks nh gSaA fofèk ea=kky; us bl ijigys gh dk;Z djuk vkjaHk dj fn;k gS] vkSj fofèk vk;ksx dslq>koksa@fliQkfj'kksa dks lfEefyr djus okyk ,d u;k chek

vfèkfu;e 'kh?kz gh vf/fu;fer fd;k tk,xkA

vU; laxBuksa ds lkFk lg;ksx %

(i) lkaf[;dh vkSj dk;ZØe fØ;kUo;u ea=kky;

izkfèkdj.k] jk"Vªh; lkaf[;dh vk;ksx dh fliQkfj'kksa ds vkèkkj

ij lkaf[;dh vkSj dk;ZØe fØ;kUo;u ea=kky; ds lkFk leUo;u

dj jgk gSA chek {ks=k ds fy, laxfgr fd, tkus ds fy,

(iv) lfefr }kjk cuk, x, 'kh?kz psrkouh ra=k ds vkèkkj ijvU; fofu;kedksa ds lkFk dkjZokbZ dk leUo;u djukA

lfefr lkèkkj.kr;k o"kZ eas N% cSBdsa djsxh] eksVs rkSj ij nksekl esa ,d] rc Hkh tc dksbZ vlekU; ?kVuk u gksA rFkkfi;fn fdlh vfHkdj.k dh tkudkjh esa dksbZ vlkekU; ?kVukvkrh gS rks fdlh lnL; ds vuqjksèk ij vYi lwpuk ij cSBdcqykbZ tk ldrh gS vkSj rc lfefr ;Fkk visf{kr cSBdsa djsxhArduhdh lfefr dh fjiksVks± dks foÙk ea=kky; dks Hkstk tk,xk]tks ,p ,y lh lh dks leqfpr :i ls lfefr ds fu"d"kks± dkslwfpr dj ldsxkA

Øekuqlkj foÙkh; eè;ofrZ;ksa dh ekuhVfjax

rhuksa fofu;ked fudk;ksa] vFkkZr~ vkj ch vkbZ] lsch vkSj ch-fo-fo-izk- ds chp ijke'kZ ds i'pkr~] Øekuqlkj egRoiw.kZfoÙkh; eè;ofrZ;ksa (fliQh) ds fy, fo'ks"k ekuhVfjax ra=k dksLFkkfir djus dk fofu'p; fd;k x;k gSA

foÙkh; cktkjksa ds c<+rs ,dhdj.k] foÙkh; {ks=k esa iqu%lajpukvkSj lqn`<+hdj.k] vkfFkZd lgk;rkvksa ls var%lacaèku] foÙkh;laLFkkvksa ds cSaddkjh vkSj xSj&cSaddkjh fØ;kdykiksa ds c<+rsijLij O;kiu] lqO;ofLFkr fLFkjrk ds eqíksa us ,sls u, vk;keizkIr fd, gSa] ftuds fy, vfr lfØ;'khy utfj;k visf{krgS] ftlls fd foÙkh; fLFkjrk ds ykHkksa dks vkSj iq"V fd;k tkldsA vr% ;g vko';d gS fd fliQh ds lacaèk esa ,dekuhVfjax ra=k LFkkfir fd;k tk lds] ftlesa fuEufyf[kr gksa %

(i) vkj ch vkbZ] lsch vkSj ch-fo-fo-izk- dh la;qDr fnypLihds foÙkh; fo"k;ksa esa fliQh ds fy, fjiksfV±x ra=k_

(ii) fliQh ds varjk&lewg laO;ogkjksa dh fjiksfV±x_ vkSj

(iii) vkj ch vkbZ] lsch vkSj ch-fo-fo-izk- ds chp lqlaxrtkudkjh dk vknku iznkuA

bl ckr ij lgefr gqbZ gS fd ch-fo-fo-izk- ls ,d lnL; ysusds i'pkr~] orZeku vkj ch vkbZ&lsoh rduhdh lfefr] fliQhdh ,d lwph dk izLrko djsxh vkSj fjiksfV±x ra=k ij lykg nsxhA

(x) izkfèkdj.k }kjk le;≤ ij fu"ikfnrlykgdkjh ÑR;ksa dk iqufoZyksdu

losZ{kdksa vkSj gkfu fuèkkZjdksa ds laLFkku dks c<+kok

izkfèkdj.k us foÙk ea=kky; ds vkfFkZd dk;Z foHkkx dks Hkkjrds pkVZMZ vdkmaVsV laLFkku tSls vU; ofÙkd fudk;ksa dh rtZ


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izLrkfor lkaf[;dh ds varxZr chek daifu;ksa dh vk; vkSj

O;;_ vkfLr;ka vkSj nkf;Ro_ fufèk;ksa ds Ïksr vkSj mi;ksx_

fuos'k] lafØ;k,a Hkh gSa] tks thou vkSj xSj&thou dkjckj]

iqu%chek] isa'ku] vfèkof"kZrk] LokLF; chek vkSj iQly chek

tSls igyqvksa dks lfEefyr djrh gSaA izkfèkdj.k dks chek {ks=k

ls lacafèkr lkaf[;dh dk laxzg.k vkSj izlkj djus ds fy, dsUnz

fcanq cuk;k x;k gSA lkaf[;dh ds laxzg.k ds varxZr Mkd

thou] deZpkjh jkT; chek] lsuk vkSj vU; lewg chek Ldhesa]

isa'ku vkSj vfèkof"kZrk Ldhesa Hkh gSaA

(ii) LokLF; vFkZ'kkL=k lacaèkh milewg

izkfèkdj.k ds vfèkdkfj;ksa dks nloha iapo"khZ; ;kstuk dsLokLF;] vFkZ'kkL=k lacaèkh dk;Zdkjh milewg esa ukefufnZ"Vfd;k x;k gS] tgka dk;kZUo;u ds fy, leqfpr uhfr cukus dsfy, thou chek ds izlkj ls lacafèkr eqíksa ij foLrkj ls ppkZdh xbZ gSA

(iii) vkink izcaèku lacaèkh milewg

izkfèkdj.k ds vfèkdkfj;ksa us Ñf"k ea=kky; ds rRokèkku esavkink izcaèku lacaèkh milewg ds lkFk izkÑfrd vkSj ekuofufeZr vkinkvksa ij dk;Z fd;k gSA

Hkkx 3

okf��"kZd fjiksVZANNUAL REPORT

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chek fofu;ked vkSj fodkl izkf/dj.k vf/fu;e] 1999

dh /kjk 14 esa vf/"Bkfir izkf/dj.k ds dkuwuh ÑR;(d) vkosnd dks jftLVªhdj.k izek.ki=k tkjh

djuk] mls uohÑr] mikarfjr] izR;kâr]fuyafcr ;k jí djuk

izkfèkdj.k us fuEufyf[kr ubZ daifu;ksa dks jftLVªhdj.k izek.ki=kfd, %

& pksykeaMye ,e ,l lkèkkj.k chek da-fy- dks 15&7&2002dks

& vohok thou chek da-fu- dks 15&5&2002 dks

& ,p Mh ,iQ lh pc lkèkkj.k chek da-fy- 27&9&2002 dks

& Hkkjrh; fu;kZr ½.k izkR;kHkwfr fuxe fy- dks 27&9&2002dks (dsoy ½.k chek ds fy,)

& Ñf"k chek da-fy- dks 29&10&2003 (iQly chek dsfuEukadu ds fy,)

thou vkSj xSj&thou {ks=kksa esa lHkh fo|eku chek daifu;ksa dsjftLVªhdj.k izek.ki=k dks chek vfèkfu;e] 1938 dh èkkjk3d ds fucaèkuksa esa uohÑr fd;k x;k gSA NwV izkIr chekdÙkkZvksads] ftudh lwph fjiksVZ ds mikcaèk 2 esa nh xbZ gS] lacaèk esaizkfèkdj.k ;g lqfuf'pr djus ds fy, iz;kl dj jgk gS fdos vfèklwfpr fofu;eksa dk ikyu djsa vkSj os vius dk;Z ,slhjhfr esa djsa] tks chek ikfylhèkkjdksa ds fgrksa esa ckèkk u MkysavkSj u gh chek m|ksx ds lqO;ofLFkr fodkl ds fgr dsizfrdwy gksaA

izkfèkdj.k us fdlh chekdÙkkZ ds jftLVªhdj.k dks mikarfjr]izkR;kâr fuyafcr ;k jí ugha fd;k FkkA

([k) ikfylh ds leuqns'ku] ikfylhèkkjd }kjkukefunsZ'ku] chek;ksX; fgrksa] cheknkoksads lekèkku] ikfylh ds vH;iZ.k ewY;vkSj chek lafonk ds vU; fucaèkuksa vkSj'krks± ls lacafèkr ekeyksa esa ikfylhèkkjdksads fgrksa dk laj{k.k %

izkfèkdj.k us vDVwcj] 2002 esa ikfylhèkkjdksa dk laj{k.kfofu;e esa] mUgsa vkSj dBksj cukus ds fy,] mikarj.k fd,A

fofu;eksa esa fd, x, la'kksèkuksa us thou chekdÙkkZvksa dks]LokLF; lacaèkh ;k xaHkhj chekjh vuqof¼;ksa ds ekeyksa esavkèkkfjd mRikn ds izhfe;e ds 100 izfr'kr rd vkSj lHkhvU; vuqof¼;ksa ds ekeyksa esa vkèkkfjd mRikn ds izhfe;e ds30 izfr'kr rd izHkkfjr djus eas leFkZ cuk;k gSA

blds vfrjDr] izkfèkdj.k us lkèkkj.k chekdÙkkZvksa dks] mUgsa;fn chekdÙkkZ ds fuèkkZj.k ds vuqlkj fdlh O;f"V chek djkusokys dk nkok vuqer izfrdwy gS rks 100 izfr'kr rd rhljki{kdkj VSfjiQ izhfe;e ysus ds fy, vuqKk nsrs gq,] vkns'ktkjh fd, gSaA ;fn vuqHko [kjkc cuk jgrk gS rks lekIr gks jgsizhfe;e ds 100 izfr'kr rd vkSj izHkkfjr fd;k tk ldrk gSArFkkfi] bu fofufnZ"V lhekvksa ls vfèkd vfrfjDr izhfe;eizHkkfjr ugha fd;k tk ldrk gSA ;g lqfuf'pr djus ds fopkjls fd vkns'k dks HkyhHkkafr fØ;kfUor fd;k tk,] izkfèkdj.kus lHkh chekdÙkkZvksa dks bls vius lHkh fuEukadu dk;kZy;ksadks lalwfpr djus ds fy, dgk gSA

izkfèkdj.k us fjiksVkZèkhu o"kZ ds nkSjku chekdÙkkZvksa dk è;kuckj&ckj ikfylhèkkjdksa dk laj{k.k fofu;e ds eq[; micaèkksadh vksj vkdf"kZr fd;k vkSj mUgsa muds vuqikyu dh lykgnhA izkfèkdj.k us chek djkus okyksa dh f'kdk;rksa ij è;ku nsusds fy, vkSj f'kdk;rksa ds 'kh?kz lekèkku ds fy, lacafèkrchekdÙkkZvksa ls ckrphr djus ds fy, dk;Zdkjh funs'kd dhvè;{krk esa izkfèkdj.k eas ,d izdks"B dk xBu djds budkvuqorZu fd;kA

izkfèkdj.k us] ikfylhèkkjdksa ds fgrksa ds laj{k.k ds fy,] blschek vfèkfu;e] 1938 dh èkkjk 64i(M) ds vèkhu nh xbZ'kfDr;ksa dk iz;ksx fd;k vkSj vksfj,aVy chek da- fy- rFkk U;wbafM;k ,';ksjsal da-fy- dks leqnzh isVk] leqnzh LFkksjk vkSj vfXuchek ikfyfl;ksa ds vèkhu nkf;Ro ds fuoZgu ds fy, funs'kfn;kA

izkfèkdj.k us lHkh thou chekdÙkkZvksa dks ;g funs'k nsrs gq,,d lwpuk tkjh dh fd os miHkksDrkvksa ds iQk;ns ds fy,viuh ikfyfl;ksa ds ewY;kas dh lax.kuk eas ikjnf'kZrk vkSj


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izkfèkdj.k us lHkh lacafèkr O;fDr;ksa dks ;g lalwfpr djrs gq,ifji=k tkjh fd;k gS fd Hkkjrh; iz'kklfud deZpkjhoanegkfo|ky; (, ,l lh vkbZ)] gSnjkckn dks vuqKfIr izkIrVhih, ds lhbZvks@lh,vks dks O;kogkfjd izf'k{k.k nsus rFkkijh{kk ysus ds fy, ekU;rk nh xbZ gSA fofu;e ;g micaèk djrsgSa fd Vhih, ds lhbZvks@lh,vks vgZrkvksa dh vis{kkvksa dks iwjkdjus ds vfrfjDr 100 ?kaVs dk O;kogkfjd izf'k{k.k Hkh izkIrdjsaxsA mDr vis{kk dks Vhih, ds jftLVªhdj.k dh rkjh[k ls nkso"kZ dh vofèk ds Hkhrj iwjk fd;k tkuk gksrk gSA izkfèkdj.k usvar vuqcaèkksa dk vuqikyu lqfuf'pr djus ds fy, o"kZ2002&03 ds nkSjku izf'k{k.k l=k vk;ksftr djus ds fy,mik, fd,A izf'k{k.k dk;ZØe] cjflVh] gSnjkckn }kjk Hkkjrh;iz'kklfud deZpkfjoan egkfo|ky;] gSnjkckn ds lg;ksx lsrS;kj fd;k x;k FkkA dk;ZØe eas vkWuykbu izf'k{k.k ds lkFk,,llhvkbZ ds ifjlj eas 3 fnu dk O;kogkfjd (?kjsyw)izf'k{k.k Hkh gSA izf'k{k.k dk;ZØe dk igyk cSp] ftlesa 20O;fDr;ksa us Hkkx fy;k Fkk] iQjojh] 2003 ds eè; esa vk;ksftrfd;k x;k FkkA Vhih, dks ch-fo-fo-izk- fofu;eksa ds vuqcaèkksadks iwjk djus dh lqfoèkk iznku djus ds fy, Vhih, dslhbZvks@lh,vks ds izf'k{k.k dk nwljk cSp 2003 ds flracjekg esa vk;ksftr fd;k x;k FkkA {kerk fodflr djus vkSjHkkoh vkdfLedrkvksa dk lkeuk djus ds fy, bl ckr ijtksj fn;k x;k Fkk fd izf'k{k.k dk;ZØe eas Vhih, ds ,d lsvfèkd izfrfufèk;ksa dks Hkkx ysuk pkfg,A

izkfèkdj.k us lkèkkj.k chekdÙkkZvksa vkSj Vhih,] nksuksa dks ;glykg nh Fkh fd ;fn chek izhfe;e ds vfrfjDr iFkd iQhlizHkkfjr djus ds dkjksckjh fopkj ls vius xzkgdksa }kjk tksjfn, tkus ij dksbZ djkj fd;k x;k Fkk rks og ch-fo-fo-izk-(Vhih,&LokLF; lsok,a) fofu;e] 2001 dh ifjfèk ls ckgjekuk tk,xkA chekdÙkkZvksa vkSj Vhih,] nksuksa ls] xzkgdksa dks blrF; ds lacaèk esa Li"V tkudkjh nsus dh ckcr i;kZIr :i lslkoèkku jguk visf{kr gSA Vhih, dks ;g lwpuk Hkh nh xbZ Fkhfd lhbZvks vkSj lh,vks }kjk Hkkjrh; chek laLFkku] eqacbZ ls,lksfl,Vf'ki ijh{kk mÙkh.kZ djus dh vis{kk dks ebZ] 2004foLrkfjr dh xbZ FkhA rFkkfi] iz'kklfud deZpkfjoan egkfo|ky;}kjk lapkfyr 100 ?kaVs ds izf'k{k.k ds lacaèk eas dksbZ NwVvuqKkr ugha dh xbZ FkhA

ch-fo-fo-izk- (fuxe vfHkdÙkkZvksa dk vuqKkiu) fofu;e] 2002ds izdk'ku ds lkFk ;g vfèklwfpr fd;k x;k Fkk fd O;f"VvfHkdÙkkZ vuqKfIr eatwj djus ds fy, mÙkjnk;h inkfHkfgrO;fDr] fuxe vfHkdÙkkZ vuqKfIr tkjh djus ds fy, Hkh l{ke

[kqykiu lqfuf'pr djus ds fy, viuh&viuh osclkbV ijizhfe;e lax.kd dh lqfoèkk lfgr izhfe;e njksa dks j[ksaA

vHkh gky gh eas thou ifj"kn~ dh dk;Zdkjh lfefr us chekvfèkfu;e] 1938 dh èkkjk 64×k(i) ds micaèkksa ds vèkhulnkpkj vkSj vPNs O;ogkjksa ds eku viuk, tkus lacaèkh fu.kZ;fn;k gSA ;s ekud mRikn fMtkbu foojf.kdkvksa] izhfe;eizkfIr;ksa] mRiknksa ij n"Vkarksa] ikfylh lwpuk fooj.kksa vkSjikfylhèkkjdksa dks okf"kZd fooj.k tkjh djus ds fy, micaèkfd, tkus dh ckcr lsok iSjkehVj miyCèk djkrs gSaA

izkfèkdj.k us thou chekdÙkkZvksa dks funs'k fn;k gS fd os;wfuV ls lac¼ ikfyfl;ksa ds uohure 'kq¼ vkfLr ewY; (,u, ch) dks ewY;kadu dh rkjh[k ds lkFk minf'kZr djsaA ;gvuqcaèk ;g lqfuf'pr djus ds fy, fd;k x;k gS fdikfylhèkkjdksa dks ;wfuV ls lac¼ mRiknksa esa fd, x, fuos'k dsewY; ds lacaèk esa tkudkjh gksA izkfèkdj.k us ;wfuV ls lac¼ikfyfl;ksa esa foØ; iqfLrdkvksa esa izHkkjksa ds izdk'ku ij lHkhthou chekdÙkkZvksa dks lwpuk tkjh dhA

izkfèkdj.k us] chek xzkgdksa dks muds vfèkdkjksa vkSj nkf;Roksa]eè;ofrZ;ksa ds ÑR;ksa] vkecM~lesu Ldhe] vkfn ds ckjs esatkx:d cukus ds mís'; ls jk"Vªh; Lrj ij nwjn'kZu@vkybafM;k jsfM;ks ij tkx:drk vfHk;ku vkjaHk fd;kA miHkksDrkdks tkudkjh nsdj rFkk mldh tkx:drk dks c<+kdj] izkfèkdj.kikfylhèkkjdksa ds fgrksa dks lqjf{kr djuk pkgrk gSAiqufoZyksdukèkhu o"kZ ds nkSjku lHkh chekdÙkkZvksa dks izkfèkdj.k}kjk viukbZ xbZ iQkby vkSj mi;ksx izfØ;k viukus rFkkizkfèkdj.k dks lwpuk fn, fcuk dksbZ u;k mRikn u ykus ;kfo|eku mRiknksa esa la'kksèku u djus ds fy, ,d ifji=k tkjhfd;k x;k FkkA

(x) eè;orhZ ;k chek eè;ofrZ;ks a vkSjvfHkdÙkkZvksa ds fy, visf{kr vgZrk,a]vkpkj lafgrk vkSj O;kogkfjd izf'k{k.kfofufnZ"V djuk %

izkfèkdj.k us o"kZ 2002&03 ds nkSjku ;g lqfuf'pr djus dsfy, fd chek vfèkfu;e vkSj rn~èkhu cuk, x, fofu;eksa dkvuqikyu vkSj mUgsa iz'kkflr fd;k tkrk gS] chek eè;ofrZ;ksavkSj vfHkdÙkkZvksa ds fy, visf{kr vgZrkvksa] vkpkj lafgrkvkSj O;kogkfjd izf'k{k.k ij funs'k] ifji=k] vkns'k vkSj lalwpuk,atkjh dhaA


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ls] daifu;ksa }kjk izoxhZdj.k i¼fr ds fØ;kUo;u ij HkhfjiksVZ dh ekax dh xbZ FkhA izkfèkdj.k us pkyw foÙkh; o"kZ2003&04 ds nkSjku fHkUu&fHkUu oxks± ds losZ{kdksa ds fy,foÙkh; lhekvksa dks iqujhf{kr fd;kA losZ{kdksa dh foÙkh;lhek,a fjiksVZ dh lkj.kh 44 esa nh xbZ gSaA

(Ä) chek dkjckj ds lapkyu esa n{krk dklaoèkZu djuk %

chekdÙkkZvksa us chek dkjckj djus esa vkus okyh laO;ogkjykxrksa dks de djus ds fy, ubZ j.kuhfr;ka cukuh vkjaHk dhaAizkS|ksfxdh] baVjusV] daI;wVjksa ds mi;ksx us daifu;ksa dks ferO;f;rkizkIr djus esa lgk;rk dhA futh chekdÙkkZ cM+h la[;k esa oscij ikfyfl;ksa dks tkjh dj jgs gSa] vkSj bl izdkj izHkkoh :ils viuh ykxrksa dks de dj jgs gSaA chekdÙkkZvksa us] xzkgdlsok esa lqèkkj ykus ds fy,] vius ofÙkdksa ds fy, lrr ofÙkdfodkl dk;ZØe vkjaHk fd, gSaA

daifu;ksa ds lhbZvks us] ebZ] 2003 esa vk;ksftr fd, x,okf"kZd lEesyu esa] vius y{;ksa vkSj mís';ksa dk [kqyklk djrsgq, izkfèkdj.k dks izLrqrhdj.k fn;kA mUgksaus chek dkjckj dslapkyu esa n{krk dk laoèkZu djus ds ,dek=k mís'; ls izcaèkuO;;ksa dks fu;af=kr djus ij tksj fn;kA daifu;ksa us] viuhlafØ;kvksa eas n{krk dk laoèkZu djus ds fy,] izpkyu Lrjksa ijdbZ vU; mik; vkjaHk fd, gSaA dk;Zdj.k esa n{krk vkSj xzkgdksadks lsok lqfuf'pr djus ds fy, ØsfMV ;k MsfcV dkMks±]baVjusV] b&VªkaliQj] vkfn ds ekè;e ls izhfe;e dk lank;vuqKkr fd;k x;k gSA

fjiksVkZèkhu o"kZ ds nkSjku thou vkSj lkèkkj.k] nksuksa gh ifj"knsadkiQh lfØ; FkhaA thou chek ifj"kn us] vfHkdÙkkZ izfrdj ijviuh fliQkfj'ksa nsus ds fy,] th-,p-vks- lksfux dh vè;{krkesa ,d lfefr fu;qDr dhA fjiksVZ thou ifj"kn dks izLrqr dhxbZ FkhA lkèkkj.k chek ifj"kn us VSfjiQ ds mYya?ku ds ekeyksads lacaèk eas lq>ko fn,A blus ukWd iQkj ukWd djkj] lgchekdjkj tSls] egRoiw.kZ djkjksa dk fu"iknu fd;k vkSj vfèkdvk;q ds fy, vfrfjDr izHkkj.k] izFke gkfu ds vkèkkj ijikfylh tkjh djus] tSls egRoiw.kZ eqíksa ij fopkj foe'kZ fd;kA

(p) chek vkSj iqu%chek dkjckj ls tqM+s ofÙkdlaxBuksa dk laoèkZu vkSj fofu;eu %

,d n{k] izHkkoh vkSj izxfr'khy Hkkjrh; chek cktkj dk ltudjus ds mís'; ls ch-fo-fo-izk- vkSj vkaèkz izns'k ljdkj usla;qDr :i ls chek vkSj tksf[ke izcaèk laLFkku (vkbZ-vkbZ-vkj-

gksxhA blds vfrfjDr] Hkkjrh; cSadlZ laLFkku] eqacbZ dks cSadds deZpkfj;ksa@vfèkdkfj;ksa dks izek.ki=k eatwj djus ds fy,ijh{kd fudk; ds :i esa inkfHkfgr fd;k x;k FkkA cSad ds,sls deZpkfj;ksa@vfèkdkfj;ksa ds fy,] tks fuxe vfHkdÙkkZvksa dsfy, chek mRiknksa ds foØ; ds fy, fofufnZ"V O;fDr cuus dsfy, bPNqd Fks] ikB~;p;kZ Hkh izkfèkdj.k }kjk vuqeksfnr dhxbZ FkhA fuxe vfHkdÙkkZvksa vkSj chek nykyksa ls lacafèkrfofu;eksa esa fuxe chek vfHkdÙkkZvksa] fofufnZ"V O;fDr] izèkkuvfèkdkjh vkSj vU; foi.kudkjh O;fDr;ksa ds fy, 'kSf{kdvgZrk,a vkSj izf'k{k.k vis{kk,a vfèkdfFkr dh xbZ gSaA izkfèkdj.kus eè;ofrZ;ksa vkSj vfHkdÙkkZvksa ds lok±xh.k fodkl ds fy,vkpkj lafgrk rFkk muds vfèkdkjksa vkSj dÙkZO;ksa dks fofufnZ"Vfd;k gSA

izkfèkdj.k us chek nykyksa dh ijh{kk nus okys vH;fFkZ;ksa dksizf'k{k.k nsus ds fy, izf'k{k.k laLFkkuksa dh ,d lwph vuqeksfnrdh gSA thou chek fuxe ds izcaèku fodkl dsUnz] eqacbZ dsvykok us'kuy] U;w bafM;k] vkfj,aVy vkSj ;wukbfVM daifu;ksads eq[; izf'k{k.k dsUnzksa dks Hkh vuqeksfnr fd;k x;k FkkA bldsvfrfjDr] jk"Vªh; chek vdkneh] iq.ks] chek egkfo|ky;]eqacbZ vkSj vU; rhu futh laLFkkuksa dks izkfèkdj.k }kjk vuqeksfnrikB~;p;kZ ds vuqlkj nykyksa dks izf'k{k.k nsus ds fy, vuqeksfnrfd;k x;k FkkA lHkh laLFkkuksa dks izkfèkdj.k }kjk vuqeksfnrikB~;p;kZ lkexzh rS;kj djus ds fy, dgk x;k FkkA jk"Vªh;chek vdkneh] iq.ks dks nykyksa ds fy, ijh{kd fudk; ds:i eas inkfHkfgr fd;k x;k gSA

(?k) losZ{kdksa vkSj gkfu fuèkkZjdksa ds fy,vkpkj lafgrk fufnZ"V djuk %

izkfèkdj.k us losZ{kdksa vkSj gkfu fu/kZjdksa ds izf'k{k.k ds fy,ikB~;p;kZ dks vafre :i fn;k vkSj os fdlh ofj"B losZ{kd dsvèkhu ,d o"kZ ds O;kogkfjd izf'k{k.k ds i'pkr~ ijh{kk nsaxsA,slh igyh ijh{kk Hkkjrh; chek laLFkku] eqacbZ }kjk iQjojh]2003 esa vk;ksftr dh xbZ FkhA rRi'pkr~ vfèkdfFkr le;lwphds vuqlkj ijh{kk,a yh tk jgh gSaA

izkfèkdj.k us losZ{kdksa vkSj gkfu fuèkkZjdksa ds fy, vkpkjlafgrk izofrZr djus ds fy, mik, fd,A lkèkkj.k chekdÙkkZvksadks ,sls ekeyksa dh lwph ds lacaèk esa] ftuesa ,d ls vfèkdlosZ{kd rSukr fd, x, Fks] vkSj lkFk gh fdlh chekdÙkkZ }kjk]izkfèkdj.k dks lwfpr fd, fcuk CySdfyLV fd, x, losZ{kdksads lacaèk esa lwpuk nsus ds fy, dgk FkkA lkèkkj.k chekdÙkkZvksa


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mikcaèk 12 esa gS)A Hkkjrh; pkVZMZ vdkamVsaV laLFkku dks]izkfèkdj.k }kjk] blds lnL;ksa ds iQk;ns ds fy, tksf[ke izcaèkeas fMIyksek ikB~;Øe dk lapkyu djus ds fy, izkfèkdkj fn;kx;kA blds vfrfjDr] izkfèkdj.k }kjk vkbZ lh , vkbZ dks] mupkVZMZ vdkmaVsaVksa ds fy,] tks losZ{kd vkSj gkfu fuèkkZjd cuusds bPNqd gSa] izf'k{k.k izkB~;Øe vkjaHk djus ds fy, ekU;rknh xbZ gSA laLFkku }kjk pyk, tkus okys izf'k{k.k ikB~;Øedks] chek vfèkfu;e] 1938 dh vis{kkvksa ds vèkhu izf'k{k.kvis{kkvksa dks iwjk djus ds fy, ekU;rk nh tk,xhA

(N) bl vfèkfu;e ds iz;kstuksa dks fØ;kfUordjus ds fy, iQhl vkSj izHkkj mn~x`ghrdjuk %

izkfèkdj.k us] fjiksVkZèkhu o"kZ ds nkSjku fuxe vfHkdÙkkZvksa dsvuqKkiu fofu;eksa dks vfèklwfpr fd;kA fuxe vfHkdÙkkZvksads :i esa dk;Z djus ds fy, vuqKfIr tkjh ;k uohÑr djusds fy, lans'k iQhl 250 #i, gSA fdlh fuxe vfHkdÙkkZ dsizR;sd fofufnZ"V O;fDr ls] izek.ki=k dh eatwjh ds fy,izkfèkdj.k dks 500 #i, dh iQhl dk lank; djus dh vis{kkdh tkrh gSA

izkfèkdj.k us chek nyky fofu;eksa dks vfèklwfpr fd;kAfofu;eksa ds vuqlkj fdlh izR;{k nyky ls 25]000 #i, dhjkf'k dk lank; djus dh vis{kk dh tkrh gSA iqu% chek nykyksads fy, vuqKfIr iQhl 75]000 #i, vkSj lfEefJr nyky dsfy, iQhl 1]25]000 #i, gSA

chekdÙkkZvksa] losZ{kdksa vkSj gkfu fuèkkZjdksa rFkk eè;ofrZ;ksa}kjk] ftuds varxZr vfHkdÙkkZ] Vhih,] nyky vkSj fuxevfHkdÙkkZ Hkh gSa] lans; [email protected]@jftLVªhdj.k iQhl dslank; ds fy, vis{kk mikcaèk 10 esa gSaA

fofu;e] chekdÙkkZvksa }kjk uohdj.k iQhl ds lank; dh vis{kkdjrk gSA o"kZ ds nkSjku izkfèkdj.k us chekdÙkkZvksa ds jftLVªhdj.kds uohdj.k ds fy, o"kZ 2003&04 eas mnxzg.k dks ldyizhfe;e ds 10 izfr'kr ls ?kVkdj 1 izfr'kr fd;kA ;g NwV]o"kZ 2001&02 vkSj o"kZ 2002&03 esa igys gh ls fn, x,iQk;ns dk foLrkj.k FkhA Hkkjrh; chekdÙkkZvksa ds jftLVªhdj.klacaèkh fofu;eksa esa la'kksèku ds lkFk] o"kZ 2003 esa jftLVªhdj.kiQhl dks ldy izhfe;e ds 1 izfr'kr ds 20 izfr'kr ls?kVkdj 10 izfr'kr fd;k x;k vkSj vc ;g mijksDrkuqlkj 10izfr'kr ;k ipkl gtkj #i,] buesa jftLVªhdj.k ds uohdj.kds le; tks Hkh vfèkd gks] izfro"kZ gSA

,u-) dh LFkkiuk dh gS] laLFkku vius lgk;d usVodZ dsekè;e ls m|ksx ds iQk;ns ds fy, lsok,a miyCèk djk,xk]ftuds varxZr vuqlaèkku vkSj ijke'kZ] vxzorhZ rduhdh vkSjizcaèku dk;ZØe] LukrdksÙkj f'k{kk lEesyu vkSj vk;kstu]chek fofu;kedksa vkSj i;Zos{kdksa dk izf'k{k.k vkSj izdk'ku gSaAo"kZ 2002&03 ds nkSjku vkbZ vkbZ vkj ,e us fuEufyf[krfØ;kdykiksa dk vk;kstu fd;k %

l vxLr] 2002 esa gSnjkckn esa vkbZ , vkbZ ,l vkSjvadVsM ds lkFk la;qDr :i ls fofu;kedksa ds fy,fl¼karksa ij lEesyu

l vxLr] 2002 esa gSnjkckn esa Hkkjr ij fo'ks"k :i lsdsfUnzr djrs gq, isa'ku ij lEesyu

l tuojh] 2003 esa ubZ fnYyh esa vadVsM] vksbZlhMh vkSjvkbZ,vkbZ,l ds lkFk la;qDr :i ls mHkjrs chek cktkjij rhljk lEesyu

l ebZ 2003 esa gSnjkckn esa ,f'k;k esa futh isa'ku ijvksihblhMh@vkbZ,uihvkj,l nwljk lEesyu vkSj nwljh,f'k;k iz'kkar {ks=kh; vkbZ,uihvkj,l cSBd

l flracj] 2003 esa gSnjkckn eas ^^Hkkjrh; chek cktkj esagky gh dh ?kVuk,a vkSj Hkfo"; dh laHkkouk,a** fo"k;ij ,d m|ksx eap

l flracj] 2003 esa gSnjkckn esa leqnzh chek ij ,d xguikB~;Øe

l vDVwcj] 2003 esa gSnjkckn esa iqu%chek ij ,d xguikB~;Øe

mi;qZDr lEesyuksa eas mi;ksx dh xbZ 'kSf{kd lkexzh vkSj fjiksVks±dks] lanHkZ iz;kstuksa ds fy,] laLFkku vkSj izkfèkdj.k ds iqLrdky;ksaesa j[kh xbZ gSaA laLFkku us vadVsM ds lg;ksx ls chek easvarjjk"Vªh; LukrdksÙkj fMIyksek (vkbZihthMhvkbZ) vkjaHk fd;kAikB~;Øe dks chek m|ksx dh mPp vgZrk izkIr O;fDr;ksa dhvko';drk dks iwjk djus ds fy, varjjk"Vªh; lg;ksxdkjhiz;klksa ls rS;kj fd;k x;k gSA bl le; vkbZihthMhvkbZ dhizFke d{kk tdkÙkkZ esa 20 fo|kfFkZ;ksa ds lkFk lapkfyr dh tkjgh gSA d{kk dks] vkbZvkbZvkj,e ds fo|kfFkZ;ksa dks mPpxq.koÙkk dk iBu vuqHko nsus ds fy, izfrc¼ vkbvkbZvkj,eds varjjk"Vªh; lac¼ ladk; }kjk tdkÙkkZ esa i<+k;k tkrk gSA

izkfèkdj.k us chek vkSj tksf[ke izcaèk eas ,d vkSj nks o"kZ dhvofèk dks LukrdksÙkj fMIykseksa dks vuqeksfnr fd;kA ;s fMIyksekvusd laLFkkvksa }kjk lapkfyr fd, tkus gSa (lwph fjiksVZ ds


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le{k j[kk x;k Fkk] yksd ½.k dk;kZy; dks =kSekfld vkèkkjij vuqikyu izek.ki=k izLrqr djus dh lykg nh xbZ FkhAiqufoZyksduk/hu vofèk ds nkSjku izkfèkdj.k us dkuwuh foojf.k;ksadks Lolsy iz:i esa fn, tkus dh ekax dhA

izkfèkdj.k us lHkh vuqKfIrèkkjd nykyksa dks (izR;sd ekl dsvafre fnu ls) 30 fnu ds Hkhrj mu xzkgdksa ds uke] ftudhvksj ls chekdÙkkZ dks dkjckj fn;k x;k gS] fd, x, dkjckjdh izÑfr] izkIr dh xbZ nykyh ;k ikfjJfed vkSj muO;fDr;ksa dks] ftUgsa lank; fd;k x;k Fkk] minf'kZr djrs gq,,d fooj.k iQkby djus dk funsZ'k fn;kA

ch-fo-fo-izk- (chekdÙkkZvksa dh vkfLr;ka] nkf;Ro vkSj 'kksèku{kerkesa varj) fofu;e] 2000 ml jhfr dks micafèkr djrk gS]ftlesa cdk;k nkoksa ds fy, vkSj mixr fdarq fjiksVZ ugha fd,x, nkoksa ds fy, vkjf{kfr;ka miyCèk djkbZ tk,axhA ,slsvoèkkj.k eas fu;r chekadd ls] Hkkjrh; chekadu lkslkbVh}kjk izkfèkdj.k dh lgefr ls tkjh ekxZn'kZd fVIi.kksa dk] mlij izkfèkdj.k }kjk tkjh funsZ'kksa dh ifjfèk ds Hkhrj jgrs gq,vuqikyu djus dh vis{kk dh tkrh gSA

izkfèkdj.k] chekdÙkkZvksa }kjk lftr dh tk jgh vkjf{kfr;ksa dhi;kZIrrk ds fo"k; esa fpafrr Fkk] blfy, dqN vkSj xSj&thouchekdÙkkZvksa dk] muds }kjk lftr vkjf{kfr;ksa dk iqufoZyksdudjus ds fy, yf{;r fujh{k.k fd;k x;k FkkA

Vhih, ds fo#¼ f'kdk;rsa izkIr gksus ds i'pkr~] muesa ls dqNdk fujh{k.k fd;k x;k FkkA blds vfrfjDr chek nykyksa dhHkkSfrd volajpuk] ekuo lajpuk] leuqnsf'kr dÙkZO;ksa dsfuoZgu ds lkeF;Z] vkfn dh tkap djus ds fy, mudkfujh{k.k fd;k x;k FkkA

izkfèkdj.k us lHkh chekdÙkkZvksa dks ,sls lHkh O;fDr;ksa dhfof'kf"V;ka izLrqr djus dh lykg nh Fkh] ftUgsa nykyh ;kvU;Fkk ds :i esa fdlh ,sls ikfjJfed dk lank; fd;k x;k]ftldh jkf'k daiuh (deZpkfj;ksa dh fof'kf"V;ka) fu;e] 1975ds lkFk ifBr daiuh vfèkfu;e] 1956 dh èkkjk 217(2d)(d) ds vèkhu ;Fkkvisf{kr jkf'k ls vfèkd gSA

izkfèkdj.k us lHkh chekdÙkkZvksa dks ,d ifji=k tkjh fd;k]ftlesa chek daifu;ksa eas fons'kh] lkE;k izfrèkkj.kksa dh ekuhVfjaxdks lqdj cukus ds fopkj ls mUgsa fofgr iz:i ds vuqlkj=kSekfld vkèkkj ij lkE;k izfrèkkj.k :ijs[kk ds C;kSjs izLrqrdjus ds fy, dgk x;k FkkA blds vfrfjDr chekdÙkkZvksa dkschek daifu;ksa ds Hkkjrh; laizorZdksa dh lkE;k izfrèkkj.k:ijs[kk dks izLrqr djus dh lykg nh xbZ FkhA

fofu;eksa esa visf{kr iQhlksa ds lank; eas foyac dh n'kk eas'kkfLrd micaèk Hkh gSaA rFkkfi] vHkh rd bu micaèkksa dks ykxwdjus dk dksbZ volj ugha vk;k gSA

(t) chekdÙkkZvksa] eè;ofrZ;ksa] chek eè;ofrZ;ksavkSj chek dkjckj ls tqM+s vU; laxBuksals tkudkjh izkIr djuk] mudh tkapvkSj vUos"k.k djuk] ftlds varxZr mudhys[kk ijh{kk Hkh gS %

izkfèkdj.k us foÙkh; o"kZ 2002&03 ds nkSjku LFky ij fujh{k.kdh fØ;k vkjaHk dhA izkfèkdj.k }kjk dh tk jgh fujh{k.kizfØ;k dks eksVs rkSj ij nks oxks± esa j[kk tk ldrk gS] vFkkZr~ %

l chek daifu;ksa dk laiw.kZ fujh{k.k

l fofufnZ"V mís';ksa dh iwfrZ ds fy, yf{;r fujh{k.k

izkfèkdj.k ds vfèkdkfj;ksa us] dqN chekdÙkkZvksa dk] ;g ns[kusds fopkj ls fujh{k.k fd;k fd D;k os viuh lafØ;k,a vkSjdk;Z visf{kr ofÙkd jhfr ls dj jgs gSa vFkok ughaA blfujh{k.k dk mís';] fofu;eksa vkSj chek vfèkfu;e] 1938 dsfofHkUu micaèkksa dk vuqikyu djus dh ckcr chekdÙkkZvksa dhlafØ;kvksa dh tkap djuk Hkh FkkA

izkfèkdj.k us fjyk;al lkèkkj.k chek da-fy- ij] chek vfèkfu;e]1938 dh èkkjk 32[k vkSj 32x ds vèkhu xzkeh.k {ks=k ckè;rk,aiwjk u djus ds fy, chek vfèkfu;e] 1938 dh èkkjk 105[kds vèkhu 'kkfLr vfèkjksfir dhA daiuh us ;g Li"Vhdj.k nsrsgq, fd bldk dkj.k xyr vkadM+ksa dk fjiksVZ fd;k tkuk Fkk]blds fo#¼ vH;kosnu izLrqr fd;kA izkfèkdj.k us fujh{k.kfd;k vkSj fu"d"kks± rFkk vkadM+ksa ds lR;kiu ds vkèkkj ijdaiuh ds fo#¼ 'kkfLrd izfØ;kvksa dks fujLr dj fn;k vkSj'kkfLr vfèkjksfir djus okys vkns'k dks okfil ys fy;kA

dsUnzh; mRikn&'kqYd vk;qDr ds dk;kZy;] eqacbZ&5 us ;gtkudkjh ekaxh fd D;k i) chek lsok,a_ vkSj ii) chek lgk;dlsok,a miyCèk djkus okys lHkh dj nykyksa ls lsokdjjftLVªhdj.k djk;k vFkok ugha vkSj os dj dk lank; dj jgsFks ;k ughaA chekdÙkkZvksa dks lhèks vk;qDr dks tkudkjh nsus dsfy, dgk x;k FkkA

izkfèkdj.k us lHkh chekdÙkkZvksa dks] ,lth,y@lh,lth,yys[kkvksa ds ekfld lekèkku ds lacaèk esa fLFkfr dh iqf"V djrsgq, vkSj bl ckr dh Hkh iqf"V djrs gq, fd mUgsa izkfèkdj.k dkslwfpr djds] lacafèkr chekdÙkkZ ds cksMZ dh laijh{kk lefr ds


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ftlesa chekdÙkkZvksa dks izFke gkfu vkèkkj ij vfXu chek dksxg iSdst ikfyfl;ksa ds varxZr yk;s tkus dh vuqKk nh xbZFkhA ,d vkSj ifji=k Hkh tkjh fd;k x;k Fkk] ftles chekdÙkkZvksadks] lh ih ,e&miLdj chek ikfylh ds vèkhu foLrr iSdstikfylh tkjh djus ds fy, vuqKkr fd;k x;k FkkA o"kZ2001&02 vkSj 2002&03 ds nkSjku izkfèkdj.k dh ^^iQkbyvkSj mi;ksx** izfØ;k ds vèkhu xSj&thou chekdÙkkZvksa }kjkiQkby fd, mRiknksa ds daiuhokj C;kSjs lkj.kh & 32(i) vkSj (ii)esa gSaA

VSfjiQ mRiknksa dh n'kk eas] chekdÙkkZvksa ls] mRiknksa vkSj ewY;fuèkkZj.k ds C;kSjksa dks VSfjiQ lykgdkj lfefr dks iQkby djusdh vis{kk dh tkrh gSA

(×k) og iz:i vkSj jhfr fofufnZ"V djuk] ftuesachekdÙkkZ vkSj vU; chek eè;orhZ ys[kkcfg;ka j[ksaxs rFkk ys[kk fooj.k nsaxs%

lHkh chekdÙkkZvksa dks ch-fo-fo-izk- (chek daiuh ds foÙkh;fooj.kksa vkSj laijh{kk fjiksVZ dk rS;kj fd;k tkuk) fofu;e]2002 esa la'kksèkuksa ds lacaèk esa crk;k x;k FkkA izkfèkdj.k usvdkmVsaVksa vkSj chekdÙkkZvksa ds fu;r chekaddksa ls cSBd dsi'pkr~ ml jhfr dks Li"V fd,] ftlesa foÙkh; o"kZ 2002&03ds fy, foÙkh; fooj.kksa dks vafre :i nsrs gq, vkadM+ksa dksfjiksVZ fd;k tkuk gSA ifji=k ds varxZr [kaM fjiksfV±x] udnizokg fooj.k] izcaèkdksa dk ikf.kfed] lacafèkr i{kdkj laO;ogkj]ikfylh èkkjdksa ds [kkrksa esa izfrHkwfr;ksa dk varj.k] nkos dhekU;rk ds fy, fn'kk&funsZ'k] 31 ekpZ dks cSad lekèkku]fu%'kqYd vofèk ds fy, micaèk] vkink vkjf{kfr;ka] ikfylhèkkjdksavkSj 'ks;jèkkjdksa ds fuos'k] lkekftd {ks=k dkjckj] vkjafHkdO;;] 4 o"kZ ls vfèkd ds nkok lank;ksa dk chekafdd izhfe;eesa deh dk ewY;kadu] ØsfMV dkMZ ij izHkkj dk mik;]vukcafVr izhfe;e] vfxze esa izkIr izhfe;e] vkdfLed nkf;RovkSj chekdÙkkZ ds eq[;ky; esa vkj ch vkbZ esa ,l th ,y[kkrk [kksyus dh vuqefr tSls fo"k; FksA blds vfrfjDr ,slsnks mikcaèk fofufnZ"V fd, x, gSa] ftuds vèkhu chekdÙkkZvksals fiNys ikap o"kZ ds foÙkh; fooj.kksa vkSj dk;Zikyu vuqikrksadk laf{kIr fooj.k fn, tkus dh vis{kk dh xbZ gSSA rFkkfi]izkfèkdj.k us] ifCyd lsDVj chekdÙkkZvksa dks] mUgsa foÙkh; o"kZ2002&03 ds okf"kZd ys[kk rS;kj djus esa dfBukbZ gksus dsdkj.k] izhfe;e esa deh ds fy, vkjf{kfr;ksa ds ltu] udnizokg fooj.k rS;kj djus vkSj nkok nkf;Ro ds chekafddewY;kadu ls NwV nh FkhA

(>) lkèkkj.k chek dkjckj dh ckcr ,slh njksa]iQk;nksa] fucaèkuksa vkSj 'krks± dk fu;a=k.k vkSjfofu;e djuk] ftudk chedÙkkZvksa }kjkizLrko fd;k tk, vkSj tks chek vfèkfu;e]1938 (1938 dk 4) dh èkkjk 64i dsvèkhu VSfjiQ lykgdkj lfefr }kjk fu;af=krvkSj fofu;fer ugha gS%

lkèkkj.k chek dkjckj dj jgs lHkh chekdÙkkZvksa ls] fdlhmRikn dk mi;ksx vkjaHk djus ls 30 fnu iwoZ mldh njksa]vofèk iQk;nksa] fucaèkuksa vkSj 'krks± dks izkfèkdj.k dks iQkbydjus dh vis{kk dh tkrh gSA lkèkkj.k chek dkjckj dsxSj&VSfjiQ oxks± ds fy, fØ;kfUor ^iQkby vkSj mi;ksx* i¼frdaifu;ksa }kjk dkjckj ds fy, izfr;ksfxrk djus dk c<+kok nsrhgS vkSj chek daifu;ksa ds fy, cnyrh cktkj ifjfLFkfr;ksa dsvuqlkj Lo;a dks <kyuk vklku cukrh gSA ;g daifu;ksa dksvius xzkgdksa ds fy, vfèkdkfèkd mRiknksa dk ltu djus esal{ke cukus ds lkFk&lkFk daifu;ksa }kjk mi;ksx fd, tkusokys izk:iksa dh fdLeksa dks Hkh yphyk cukrh gSA rnuqlkj]chekdÙkkZvksa ls u, mRiknksa dh izksiQkby vkSj muds }kjkviukbZ xbZ ewY; fuèkkZj.k dh uhfr iQkby djus dh vis{kk dhtkrh gSA bl izksiQkby ds lkFk] fdlh vfèkoDrk dk blvk'k; dk dFku Hkh yxk gksxk fd izLFkkfir fd, x, fucaèkuvkSj 'krs± ikfylhèkkjdksa ds fgrksa ds izfrdwy ugha gSaA dfri;ekeyksa esa] izkfèkdj.k ;g tkap djus ds fopkj ls fdlhchekdad dh jk; ysrk gS fd D;k ewY; fuèkkZj.k ofÙkdiwoZèkkj.kkvksa vkSj lkaf[;dh ds vkèkkj ij dh xbZ gSA ;|fiizkfèkdj.k fdlh mRikn dks dksbZ fofufnZ"V vuqeksnu ugha nsukpkgrk] fiQj Hkh og chek mRikn dh izkfIr ds 30 fnu dsHkhrj bl vk'k; dk izR;qÙkj nsus dk vfèkdkj lqjf{kr j[krk gSfd D;k ;g xzkgd ds fgr esa gksxk] ;k ;g chek cktkj dsfodkl esa lgk;d gksxk] ;k >wBs ok;nksa@ykypksa ls eqDr gksxk;k Lor% laiksf"kr gksxk vkSj vU; oxZ@izoxZ ds chek xzkgdksa lsizkIr izhfe;e dh vkfFkZd lgk;rk ij fuHkZj ugha gksxkAizkfèkdj.k ds ikl mRikn ds izksiQkby vkSj lkFk gh ewY;fuèkkZj.k esa ifjorZu djus dk Hkh vfèkdkj lqjf{kr gSA

o"kZ ds nkSjku] lkèkkj.k chekdÙkkZvksa dks chek nykyksa ds fy,ofÙkd {kfriwfrZ chek rS;kj djus dh lykg nh FkhA izkfèkdj.kus lHkh lkèkkj.k chekdÙkkZvksa dks ,d ifji=k tkjh fd;k]


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O;frØe dh fof'kf"V;ka vkSj muds fy, fd, x,@fd, tkusds fy, izLrkfor izcaèkksa dh fof'kf"V;ka izLrqr djus ds fy,dgk x;k FkkA izkfèkdj.k us ijLij fufèk;ksa esa fuos'k ds fy,fn'kk&funsZ'k eas vfèkdfFkr fd, FksA fuos'kksa dks] ,sls fuos'kksa dsfy, vfHkn'kZu lfUu;eksa ds vuqlkj dsoy ^vuqeksfnr lsfHkUu* izoxZ ds fuos'kksa esa gh fd;k tkuk visf{kr gSA ijLijfufèk esa fuos'kksa ds ewY;kadu ds fy, i¼fr;ka Hkh vfèkdfFkrdh xbZ FkhaA fuos'kksa ds Ø; vkSj foØ; rFkk chekdÙkkZvksa }kjkiz:i 3d vkSj 3[k ds vèkhu =kSekfld vkèkkj ij izLrqrizkfLFkfr fjiksVZ ds chp lkeatL; LFkkfir djus ds fy,chekdÙkkZvksa dks izR;sd frekgh ds var ls 21 fnu dh vofèkds Hkhrj fuos'kksa ds Ø; vkSj foØ; nj ,d lekèkku fooj.kiQkby djus dh lykg nh gSA

(B) 'kksèku{kerk varj cuk, j[kus dksfofu;fer djuk

izkfèkdj.k] thou vkSj xSj&thou chek daifu;ksa ls 'kksèku{kerkesa fofufnZ"V varj cuk, j[kus dh vis{kk djrk gSA bllslacafèkr lwpuk dks] bl fufer fofgr iz:iksa ds vuqlkj izLrqrfd;k tkuk visf{kr gSA lHkh chekdÙkkZvksa us chekdÙkkZvksa dhvkfLr;ka] nkf;Ro vkSj 'kksèku {kerk varj fofu;eksa esa visf{krfd, x, vuqlkj 'kksèku {kerk varj ds fooj.k iQkby fd, gSaA

(Ä) chekdÙkkZvksa vkSj eè;ofrZ;ksa ;k chekeè;ofr Z;k s a ds chp fooknk s a dkU;k;fu.kZ;u %

izkfèkdj.k] dkuwuh micaèkksa ds vèkhu bls lkSais x, ÑR;ksa dkfu"iknu djus ds fy, chekdÙkkZvksa vkSj eè;ofrZ;ksa ;k eè;ofrZ;ksads chp fooknksa ds U;k;fu.kZ;u ds fy, ,d ra=k LFkkfir djustk jgk gSA fjiksVkZèkhu vofèk ds nkSjku izkfèkdj.k dks U;k;fu.kZ;uds fy, dksbZ fookn fufnZ"V ugha fd;k x;k FkkA

(<) VSfjiQ lykgdkj lfefr (Vh , lh) dsdk;Zdj.k dk i;Zos{k.k %

o"kZ 2002&03 esa Vh,lh dh] chekdÙkkZvksa vkSj chek djkusokyksa ds chp ennxkjksa dh Hkwfedk ds u, vk;ke izkIr gq,Acktkj ds foLrkj ls bls ,d vksj futh {ks=k dh ubZ daifu;ksals HkyhHkkafr laxfBr vkadM+ksa dk Ïksr izkIr gqvk gS] ogha nwljhvksj ;g VSfjiQ ds mYya?kuksa ds ekeyksa dks] tks izfr;ksfxrk dsdkj.k vkjaHk esa lkeus vkrs gSa] fuiVkus esa O;Lr jghA lfefr

foÙk ea=kky; ds dsUnzh; izR;{k dj cksMZ us vfXu vkSj bathfu;jhchekikfyfl;ksa ds lacaèk esa vlekIr tksf[ke ds fy, micaèkksals] tks vkradokn ds tksf[ke ds izfr chek miyCèk djkrs gSa]lacafèkr vk;dj fu;e] 1962 ds fu;e 6Ä dk la'kksèku djrsgq, ,d vfèklwpuk tkjh dhA vfèklwpuk ds vuqlkj vfXu ;kbathfu;jh chek ls] tks vkradokn lacaèkh tksf[ke ds fy, gSa]mn~Hkwr 'kq¼ izhfe;e vk; ds 100 izfr'kr dks vlekIrtksf[keksa ds fy, vkjf{krh esa ys tk;k tk,xkA

izkfèkdj.k us] chekdÙkkZvksa@eè;ofrZ;ksa }kjk iQkby dh tkusokyh dkuwuh foojf.k;ksa dks iQkby vkSj ewY;kafdr fd, tkusdks daI;wVjhÑr djus ds fy, i¼fr;ksa dks vafre :i nsus dsfy, mik, fd,A chekdÙkkZvksa dks rhu o"kZ] vFkkZr~ 2001&02ls 2002&03 rd dh vofèk dss fy,] mUgsa izkfèkdj.k dhosclkbV ds ekè;e ls miyCèk djk, x, lkÝV ekM~;wy dsvuqlkj bySDVªkfud :i ls ys[kkvksa dks iQkby djus ds fy,dgk x;k FkkA fu;kZr ½.k izR;kHkwfr fuxe (bZ lh th lh) dks]tks ,d fo|eku daiuh Fkh vkSj ftls izkfèkdj.k }kjk jftLVªhdj.keatwj fd;k x;k Fkk] foÙkh; o"kZ 2002&03 esa] mDr o"kZ dsfy, fjiksfV±x vis{kkvksa ls NwV nh xbZ FkhA

blds vfrfjDr izkfèkdj.k us gky gh esa chekdÙkkZvksa dks mfprewY;kadu ds fy,] ,slh izfrHkwfr;ksa ds] ftuesa lafØ;rk lsO;kikj fd;k tk jgk] cktkj ewY; dks] jk"Vªh; LVkWd ,Dlpsat;k cacbZ LVkWd ,Dlpsat esa muds var esa dksV fd, x, vafreewY; ds :i esa j[kus ds vuqjksèk dks eku fy;kA

(V) chek daifu;ksa }kjk fufèk;ksa ds fuos'k dkfofu;eu %

izkfèkdj.k us foÙkh; o"kZ 2002&03 ds nkSjku fuos'kksa ijchekdÙkkZvksa dks vusd Li"Vhdj.k@ekxZn'kZu fVIi.k tkjh fd,Aizkfèkdj.k us ekeyk&nj&ekeyk ds vkèkkj ij chekdÙkkZvksa dksNwV Hkh nh gSA lHkh chekdÙkkZvksa dks =kSekfld vkèkkj ij fuos'kfoojf.k;ksa lfgr fofgr iz:i ds vuqlkj èkkjk 28(2d)]28(2[k) vkSj 28[k(3) ds vèkhu vuqikyu izek.ki=k iQkbydjus ds fy, dgk x;k FkkA o"kZ dh vafre frekgh dsizek.ki=k ds lkFk vfHkj{kd dk ,d izek.ki=k Hkh yxk gksukFkk] ftlesa izfrHkwfr;ksa ds ewY;ksa dh iqf"V dh xbZ gks vkSj ;gizek.ki=k fn;k x;k gks fd os foyxeksa] izHkkjksa] vkMeku vkSjèkkj.kkfèkdkj ls eqDr gSaA chekdÙkkZvksa dks =kSekfld :i lsvkofèkd vk;ksa vkSj@ ;k ifjiDork ij ewy dh izkfIr esa


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tSlk fd izR;sd liQy laxBu ds ekeys esa gSa] chek m|ksx esaHkh lqfHkK fu.kZ; ysus dh izfØ;k esa vkadM+ksa dk izeq[k LFkkugSA Vh , lh] ftls chek vfèkfu;e dh èkkjk 64d Ä dsvèkhu chekdÙkkZvksa ls vkadM+s ,df=kr djus dk vkns'k fn;kx;k gS] chekdÙkkZvksa ds Hkkoh mi;ksx ds fy, ,d MkVkcslcukus ds fy, lfØ; :i ls dk;Z dj jgh gS vkSj izkfèkdj.kdh blesa lsok iznkrk dh Hkwfedk gSA fo'o cSad tSls cgqikf'ZodvfHkdj.kksa dh lgk;rk ls Vh , lh ds Hkhrj l{kerk dksc<+kus ds fy, iz;kl fd, tk jgs gSA Vh , lh thou {ks=k esade gq, thouksa dk Hkh MkVk csl j[k jgh gSA

chek vfèkfu;e] 1938 esa ;Fkk vfèk"Bkfir Vh , lh dhHkwfedk esa] 1 vizSy] 2005 ls eksVj ds Lo{kfr [kaM esa VSfjiQlekIr gksus ds i'pkr~ ifjorZu vkus dh lEHkkouk gSA ;gvk'kk dh tkrh gS fd xSj thou {ks=k esa fofHkUu oxks± dsdkjckj esa izfr&vkfFkZd lgk;rk dh deh ls cpus ds fy,chek dkjckj ds vU; oxks± esa Hkh bls viuk;k tk,xkA

Vh , lh us] eksVj Lo {kfr Hkkx dks VSfjiQ eqDr djus ds fy,xfBr jaxjktu lfefr vkSj eksVj Lo{kfr VSfjiQ mnkjhdj.k dsfy, :ijs[kk rS;kj djus gsrq xfBr ,l ch eksuh lfefr dksvius vuqHkoksa dks crkus ds lkFk&lkFk lfpoh; lgk;rk Hkhdh gSA blus chekdÙkkZvksa vkSj psEclZ vkWiQ dkWelZ dks le;≤ij VSfjiQ dkjckj ls lacafèkr eqíksa ij Hkh lykg nh gSA Vh ,lh] Lo;a dks izkfèkdj.k dks ,slh ekxZn'khZ njksa] fucaèkuksa vkSjiQk;nksa dk voèkkj.k djus ds fy, rS;kj dj jgh gS] ftUgsachekdÙkkZ xSj&VSfjiQ mRiknksa ds fy, ;k rc tc VSfjiQksa dks[kksy fn;k tk,xk] izLFkkfir dj ldsxkA

fofHkUu chek mRiknksa ds fy, VSfjiQ fofu;fer djus dslkFk&lkFk fofgr VSfjiQ ds mYya?ku ds ekeyksa dks Hkh ns[krhgS vkSj O;frØeh chekdÙkkZvksa ds fo#¼ dkjZokbZ dh xbZ Fkh]ftlds varxZr 'kkfLr dk vfèkjksi.k Hkh gSA foÙkh; o"kZ 2002&03ds nkSjku lfefr us rhu cSBdsa dh Fkha] ftuesa mYya?ku dh 58f'kdk;rksa ij fopkj fd;k x;k FkkA 25 ekeyksa esa chekdÙkkZvksa}kjk mYya?ku ds fy, tqekZus dk lank; fd;k x;k Fkk] 28ekeyksa esa mYya?ku dks Bhd fd;k x;k Fkk vkSj 5 ekeyksa esalfefr us ;g fofu'p; fd;k Fkk fd dksbZ mYya?ku ugha fd;kx;k FkkA 8 ekeyksa esa Hkkoh VSfjiQ ij lkèkkj.k fu.kZ; fy, x,FksA ;gka ;g Lej.k djkuk vko';d gS fd VSfjiQ lafu;eksa dsmYya?kuksa dks 1 vizSy] 2002 ls iqujhf{kr fd;k x;k FkkA

Vh , lh dk o"kZ ds nkSjku eq[; fØ;kdyki tqykbZ] 2002 lsHkkjrh; eksVj VSfjiQ ds iqujh{k.k vkSj lqO;oLFkhdj.k lslacfèkr FkkA bl VSfjiQ ls igyh ckj eksVj {ks=k esa foHksnh jsfVaxdkjdksa dks Hkwfedk esa vkus dk volj feykµ;g cktkj dsmnkjhdj.k dk Li"V ladsr FkkA blls chekdÙkkZvksa vkSj chekdjkus okyksa dks miyCèk Lofu.kZ; dk {ks=k O;kid gqvkAiqujh{k.k dks fofèk ds vusd U;k;ky;ksa esa pqukSrh nh xbZ FkhvkSj izkfèkdj.k rFkk Vh , lh us eksVj chek cktkj dks tks vcxSj&thou chek {ks=k dk 40 izfr'kr gS] lkekU; cukus ds fy,Rofjr mipkjh dkjZokbZ dh 1 bathfu;jh VSfjiQksa (bZ , vkj@lh, vkj) ds lqO;oLFkhdj.k ds fy, dk;Zokgh dh xbZ Fkh vkSjturk dh jk; izkIr djus ds fy, mlds izk:i dks Vh , lhdh osclkbV ij j[kk x;k FkkA cgr tksf[keksa ds fy, ,dizk:i VSfjiQ rS;kj fd;k x;k Fkk vkSj izkfèkdj.k dks izLrqrfd;k x;k FkkA Vh , lh }kjk fu;af=kr fo|eku VSfjiQ dkjckjdh lwph lkj.kh 52 esa gSA

lkj.kh - 52

VSfjiQ lykgdkj lfefr }kjk fu;af=kr VSfjiQ dkjckj dh lwph

vfXuµvky bafM;k iQk;j VSfjiQ] isVªksjlk;u VSfjiQ] bafMfLVª;y vky fjLd VSfjiQ] ikfj.kkfed gkfu (vfXu) VSfjiQA

leqnzhµleqnzh ns'k VSfjiQ] esU;qvy jsfVax fn'kkfunsZ'k] pk; VSfjiQA

bathfu;fjaxµdkaVªsDV~slZ vky fjLd VSfjiQ (lh-,-vkj-) dkaVªsDV~lZ IykaV vkSj e'khujh VSfjiQ (lh-ih-,e-)] bySDVªkfuDl

bZfDoiesaV ba';ksjsal VSfjiQ (bZ-bZ-vkbZ-)] e'khujh czsdMkmu VSfjiQ (,e-ch-)] flfoy bathfu;fjax daIyhVsM fjLd VSfjiQ (lh-bZ-lh-vkj-)] LVksjst de bjsD'ku VSfjiQ (,l-ih-bZ-)] ykl vkiQ izkfiQV] ck;yj vkSj izs'kj oSly VSfjiQ] fMVsfj;ksjs'ku vkWiQ LVkWd

(iksVsVks) VSfjiQA

eksVjµvkWy bafM;k eksVj VSfjiQA

izdh.kZµdeZdkj izfrdj VSfjiQA


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(.k) [kaM (p) esa fufnZ"V o`fÙkd laxBUkksa dklaoèkZu djus vkSj mUgsa fofu;fer djusds fy, foÙkh; Ldheksa esa chekdÙkkZvksadh izhfe;e vk; dk izfr'kr fofufnZ"Vdjuk %

izkfèkdj.k] chek dkjckj esa ofÙkdrk ds lao¼Zu dh egÙkk dksle>rk gSA chek dkjckj ij lgh vkSj i;kZIr vkadM+ksa dksmiyCèk djkuk izkfèkdj.k ds fy, ,d fujarj fpark dk fo"k;gSA Hkkjrh; chekafdd lkslk;Vh us bl fn'kk eas igyksa dsvkèkkj ij gky gh eas eR;q nj rFkk vLoLFkrk nj vUos"k.kC;wjks (,e ,e vkbZ ch) dks LFkkfir fd;k gSA ;g C;wjks] ftls, ,l vkbZ ds rRokoèkku esa LFkkfir fd;k x;k gS] fofHkUuchekdÙkkZvksa ls vkadM+s ,df=kr djsxk] vkSj chekdÙkkZvksa dsvuqHkoksa ds vkèkkj ij eR;q nj rFkk vLoLFkrk nj lkjf.k;karS;kj djsxkA C;wjks dks lHkh thou chekdÙkkZvksa vkSj izkfèkdj.kls fufèk;ka izkIr gksrh gSaA

(r) xzkeh.k ;k lkekftd {ks=kksa esa chekdÙkkZvksa}kjk fd, tkus okys thou chek dkjckjvkSj lkèkkj.k chek dkjckj dk izfr'krfufnZ"V djuk %

chek {ks=k esa lqèkkj lacaèkh lfefr us m|ksx dks futh {ks=k dsfy, [kksyus ij tksj nsus ds lkFk gh] ubZ daifu;ksa }kjk xzkeh.kvkSj lkekftd {ks=kksa esa dkjckj fuEukafdr djus ds fy,U;wure vuqcaèkksa ds vè;èkhu j[ks tkus ij cy fn;k gSA m|ksxds thou vkSj xSj&thou] nksuksa izdkj ds chekdÙkkZvksa ds fy,vis{kk dks] izkfèkdj.k }kjk chekdÙkkZvksa ds fy, xzkeh.k vkSj

lkekftd {ks=kksa ds fy, ckè;rkvksa ij fojfpr fofu;eksa esavuqcafèkr fd;k x;k gSA izkfèkdj.k us vDVwcj] 2002 esa bufofu;eksa esa la'kksèku vfèklwfpr fd, FksA la'kksèkuksa esa ^^xzkeh.k{ks=k** in dks iqu% ifjHkkf"kr fd;k x;k gS vkSj ^^Ñf"kmís';ksa** dk foLrkj fd;k x;k gSA la'kksèku ^vkSipkfjd {ks=k*ds lacaèk esa Hkh dk;Zokgh djrs gSaA blds lkFk gh thouchekdÙkkZvksa dh xzkeh.k {ks=k ds izfr ckè;rkvksa dks c<+k;k x;kgSA izkfèkdj.k us] chekdÙkkZvksa }kjk lekt ds izfr ckè;rkvksadks iwjk djus dh vko';drk dks è;ku esa j[krs gq,] ;gfofgr fd;k gS fd dksbZ Hkh chekdÙkkZ xzkeh.k@lkekftd {ks=k esa31 ekpZ] 2002 dks lekIr gq, ys[kk o"kZ esa vfHkfyf[kr fd,x, ls de dkjckj ugha djsxkA la'kksèku foÙkh; o"kZ 2002&03ls izHkkoh gq, FksA fofu;e chekdÙkkZvksa ls ;g vis{kk djrs gSafd os viuh lafØ;k,a vkjaHk djus ds o"kZ ds vkèkkj ijdkjckj fuEukafdr djsaA blds vfrfjDr] fo|eku ifCydlsDVj chek daifu;ksa ls ;g lqfuf'pr djus dh vis{kk dhtkrh gS fd muds }kjk fdlh foÙkh; o"kZ esa xzkeh.k vkSjlkekftd {ks=k esa fd;k x;k dkjckj] fiNys o"kZ esa muds }kjkfuEukafdr dkjckj ls vfèkd gSA

(Fk) ,slh vU; 'kfDr;ksa dk iz;ksx tks fofgrdh tk,a %

ljdkj] chek vfèkfu;e] 1938 ds micaèkksa ds vèkhu izkfèkdj.kdks] ikfylhèkkjdksa ds fgrksa dh laj{kk ds fy, ;k ns'k esa chekcktkj ds fodkl ds fy, ;k tgka ;g ikfylh fo"k;ksa lslacafèkr gS] 'kfDr;ksa dk iz;ksx djus ds fy, dg ldsxhArFkkfi] izkfèkdj.k us ,slh fdUgha 'kfDr;ksa dk iz;ksx ugha fd;kgS] D;ksafd ljdkj us izkfèkdj.k dks ,slh fdUgha 'kfDr;ksa dkizR;k;kstu ugha fd;k gSA

Hkkx 4


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chek fofu;ked vkSj fodkl izkf/dj.k dslaxBukRed fo"k;

(i) laxBufoÙkh; o"kZ 2002&03 ds nkSjku izkfèkdj.k ds la?kVu esa] dqNlnL;ksa dh lsokfuofÙk ds dkj.k ifjorZu gq,A bl le;fuEufyf[kr O;fDr izkfèkdj.k ds lnL; gSa %

1- Jh lh-,l- jko] vè;{k2- Jh ih-,- ckyk lqczkãf.k;u] lnL;3- Jh Vh-ds- cSuthZ] lnL;4- Jh esF;w oxhZl] lnL;

Jh ,u- jaxkpkjh }kjk viuh fu;qfDr dh vofèk lekIr gksus ijinR;kx fd, tkus ij 10 twu] 2003 dks Jh lh-,l- jko usizkfèkdj.k dh vè;{krk xzg.k dhA Jh jaxkpkjh lkr o"kZ dhyach vofèk rd izkfèkdj.k ds vè;{k jgsA Jh lh-,l- jko]izkfèkdj.k esa inHkkj xzg.k djus ls iwoZ yacs le; rdiz'kklfud lsokvksa esa jgs gSa vkSj os Hkkjr ljdkj ds jktLolfpo in ls lsokfuofÙk gq, gSaA

Jh Vh-ds- cSuthZ us 18 vxLr 2003 dks] izkfèkdj.k dsiw.kZdkfyd lnL; ds :i esa in xzg.k fd;kA blls iwoZ osHkkjrh; thou chek fuxe esa dk;Zdkjh funs'kd FksA Jh cSuthZus Jh ,p-vks- lksfux ds] tks 31 fnlacj 2002 dks viuhinkofèk dh lekfIr ij lsokfuoÙk gq, Fks] LFkku ij inHkkjxzg.k fd;kA

Jh esF;w oxhZl us 27 vDVwcj] 2003 dks] izkfèkdj.k dsiw.kZdkfyd lnL; ds :i esa in xzg.k fd;kA izkfèkdj.k esavkus ls iwoZ] os dsubafM;k chek daiuh fy-] dhfu;k ds izcaèkfuns'kd vkSj izèkku vfèkdkjh ds in ls lsokfuoÙk gq, FksA JhoxhZl Jh vkj-lh- 'kekZ ds LFkku ij vk, gSa] tks 20 twu2003 dks viuh inkofèk ds volku ij lsokfuoÙk gq, FksA

izkfèkdj.k esa iw.kZdkfyd lnL;ksa ds vfrfjDr fuEufyf[krva'kdkfyd lnL; gSa %

1- Jh foosd esgjks=kk] la;qDr lfpo] vkfFkZd dk;Z foHkkx]foÙk ea=kky;

2- lqJh euh"kk eksgu vaèkuljs3- Jh ,-vkj- cosZ] iwoZ mi izcaèk funs'kd] Hkkjrh; LVsV cSad

4- Jh vkj- Hkwifr] vè;{k] Hkkjrh; pkVZMZ vdkmaVsaV laLFkkuA

izkfèkdj.k uhfr ds :i esa Lo;a dh ifjdYiuk ,d ,slh NksVhlaxBukRed lajpuk ds :i eas djrk gS] tks m|ksx ls fy, x,rduhdh :i ls vgZd vkSj l{ke vfèkdkfj;ksa }kjk lE;d:i ls lefFkZr gSA blds vfrfjDr lrr c<+rs fofu;kedÑR;ksa dks ns[krs gq, deZpkfj;ksa dh in la[;k c<+kus ds fy,mik; fd, x, gSaA blfy, o"kZ 2002&03 esa vfrfjDr vfèkdkfj;ksadks HkrhZ djds deZpkfj;ksa dh la[;k dks c<+kdj 46 fd;kx;k gSA blds vfrfjDr izkfèkdj.k] vius vfèkdkfj;ksa dksfoÙkh; cktkjksa esa mHkjrs foÙkh; #>kuksa ls ifjfpr djkus vkSjmUgsa fo'o ds chek m|ksxksa esa fofu;ked #>kuksa ls voxrdjkus ds fy,] vius vfèkdkfj;ksa dh n{krk vkSj gquj dsfujarj mUu;u dh uhfr viukrk gSA rnuqlkj] izkfèkdj.k dsvfèkdkfj;ksa dks ns'k vkSj fons'k nksuksa esa vk;ksftr fofHkUulaxksf"B;ksa vkSj izf'k{k.k dk;ZØeksa ds fy, rSukr djds mudsizf'k{k.k ds fy, fu;fer volj miyCèk djk, tkrs gSaA

izkfèkdj.k ds vfèkdkfj;ksa us] o"kZ ds nkSjku ekusVjh vkFkkfjVhvkWiQ flaxkiqj }kjk ,f'k;kbZ funs'kdksa ds fy,] vkLVªsfy;kbZ,ihvkbZlh vè;;u us dsUnz }kjk chek dkjckj vkSj isa'ku ijvk;ksftr izf'k{k.k dk;ZØe chek vk;qDrksa dh jk"Vªh; lHkk}kjk vk;ksftr xzkgd lsok vkSj 'kks/u&{kerk eqíksa ij dk;ZØe]tkiku ds foÙkh; lsok izkfèkdj.k }kjk LFky ij fujh{k.k ijlaxks"Bh] yanu ds ykVkM }kjk chek nykyh ij izf'k{k.k_ vkbZ, vkbZ ,l }kjk vk;ksftr izf'k{k.k dk;ZØeksa] lEesyuksa vkfneas Hkkx fy;k gSA izkfèkdj.k ds vfèkdkfj;ksa us fofHkUu varjjk"Vªh;lEesyuksa esa rduhdh fo"k;ksa ij izi=k izLrqr djus ds fy, Hkkxfy;k gSA izkfèkdj.k ds vfèkdkfj;ksa dks] lkdZ ns'kksa ds fofu;kedksads fy, ch-fo-fo-izk- }kjk vk;ksftr pkj lIrkg ds izf'k{k.kdk;ZØe eas Hkkx ysus dk Hkh volj feykA

o"kZ ds nkSjku izkfèkdj.k ds vfèkdkfj;ksa dks LFky ls ijs vkSjLFky ij fujh{k.k ds fofHkUu igyqvksa ij vuqHko izkIr gqvkA;g dk;ZØe varjjk"Vªh; foÙk laLFkku@vkbZvkbZ,iQ ds rRokoèkkueas vk;ksftr fd, x, FksA izkfèkdj.k dks fo'o Lrj ijfofu;kedksa ds vuqHkoksa ls lh[kus esa le; yxrk gS vkSj bldk


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y{; chek m|ksx ds fofu;eu esa mPpre ofÙkd ekudLFkkfir djuk gSA

(ii) izkfèkdj.k dh cSBdsa %

o"kZ 2002&03 (vizSy ls ekpZ) ds nkSjku izkfèkdj.k dh pkjcSBdsa cqykbZ xbZ FkhaA eq[;r% lHkh cSBdksa esa mifLFkfr iw.kZ Fkh]

ftlls izkfèkdj.k ds cSBdksa esa dkjckj ds laO;ogkj ds fy,

fopkj&foe'kZ vFkZiw.kZ jgkA

(iii) ekuo lalkèku %

bl fjiksVZ ds izdkf'kr gksus rd ch-fo-fo-izk- eas fofHkUu dkMjksa

esa 30 vfèkdkjh vkSj 16 deZpkjh lnL; gSa (dqy 46)A nks

dk;Zdkjh funs'kdksa ds vfrfjDr] izkfèkdj.k ds fofHkUufØ;kdykiksa dks laHkkyus ds fy, 15 mifuns'kd vkSj 13

lgk;d funs'kd gSaA ;g rF; fd izkfèkdj.k esa dk;Z dj jgs

vfèkdka'k vfèkdkfj;ksa dks chek m|ksx ls] ftlls os dkiQh yacsle; ls tqM+s jgs gSa] fy;k x;k gS] izkfèkdj.k ds ekuo lalkèku

ds fy, dkiQh egRoiw.kZ gS] ftlls dkiQh vfèkd dk;Z djus

dh vis{kk dh tkrh gS] vFkkZr] u dsoy u, mnkjhÑr chekcktkj dks fujarj ekuhVj djus ds iz;kstu ds fy;s vfirq chek

m|ksx dk lqO;ofLFkr fodkl lqfuf'pr djus ds fy, Hkh

fujarj vkèkkfjd dk;Z djukA bu vfèkdkfj;ksa ds] chek m|ksxds lkFk mudh iwoZ lgc¼rk ds vuqHkoksa us mUgsa Lo;a dks

muds u, dk;Z] vFkkZr chek cktkj dk fofu;eu dh ekax ds

izfr U;wure laHko le; esa vuqdwy cukus esa leFkZ fd;k gSAizkfèkdj.k us bu vfèkdkfj;ksa dks fofHkUu fofu;ked dk;Z'kkykvksa]

lEesyuksa vkSj izf'k{k.kksa esa] ftuesa ls vusd varjjk"Vªh; fof'k"Vrkvksa

ds lkFk Fks] izk;ksftr djds] budh tkudkjh vkSj vuqHko dhizf'k{k.k vkSj mn~Hkklu ds lkFk ;qfDr dh gS] ftlls mUgsa

izkfèkdj.k }kjk leuqnsf'kr dk;Z dks izHkkoh <ax ls djus dh

n{krk vkSj l{kerk izkIr gqbZ gSA

blds vykok] izkfèkdj.k us vkxs vkus okyh fofu;ked pqukSfr;ksa

dk izHkkoh <ax ls lkeuk djus ds nh?kZdkfyd mís'; ls vius

leFkZ deZpkfj;ksa esa of¼ djus ds fy, nks ckj HkfrZ;ka dha vkSjizkfèkdj.k esa inksa ij dkfeZdksa dks fu;qfDr dhA bu vfèkdkfj;ksa

us U;wure laHko le; esa izkfèkdj.k dh Hkwfedk dks le>

fy;k gS vkSj fu"Bk rFkk ifjJe ls vius mÙkjnkf;Roksa dk

fuoZgu vkjaHk dj fn;k gSA

mijksDr nks lewg izkfèkdj.k ds ekuo lalkèku dk ewy ;wfuV

gSaA

(iv) jktHkk"kk dk laoèkZu %

izkfèkdj.k esa fgUnh ds izxkeh mi;ksx ds fy, iz;kl tkjh gSaAizkfèkdj.k dh jktHkk"kk dk;kZUo;u lfefr us fgUnh ds 'kkldh;

mi;ksx esa izxfr ds iqufoZyksdu ds fy, =kSekfld cSBdsa dhaA

pkyw foÙkh; o"kZ ds nkSjku twu] 2003 esa jktHkk"kk lacaèkhlalnh; lfefr us jktHkk"kk ds dk;kZUo;u dk iqufoZyksdu

djus ds fy, izkfèkdj.k ds dk;kZy; dk nkSjk fd;kA

izkfèkdj.k eas ,d fgUnh vfèkdkjh dh fu;qfDr djds fgUnh

foHkkx dks lqn<+ fd;k x;k gSA izkfèkdj.k }kjk fgUnh fnolksa

vkSj fgUnh lIrkgksa dk Hkh vk;kstu fd;k tkrk gSA bldsvfrfjDr ch-fo-fo-izk- if=kdk ds fgUnh [kaM esa fgUnh Hkk"kk dh

8 i"B dh vuU; lkexzh gksrh gSA ekbØkslkÝV vkWfiQl ,Dl

ih ds] ftlesa fgUnh esa dk;Z djus dh vfrfjDr fof'k"Vrk gS]vykok f}Hkk"kh; lkÝVos;j dk Ø; fd;k x;k gSA

izkfèkdj.k] blds }kjk tkjh fd, x, fofHkUu fofu;eksa]vfèklwpukvksa vkSj vU; mi;ksxh lkefxz;ksa dks f}Hkk"kh :i esa

miyCèk djk jgk gSA fudV Hkfo"; esa fofHkUu izdk'kuksa dks

{ks=kh; Hkk"kkvksa esa miyCèk djkus ds iz;kl vkjaHk fd, x, gSaAchek cktkj ls lacafèkr lkefxz;ksa dks fgUnh lfgr fofHkUu

Hkk"kkvksa esa miyCèk djkus dks lqdj cukus ds fy, fofHkUu

laLFkkvksa dks fo'ks"kKrk nh tk jgh gSA

(v) lwpuk izkS|ksfxd dh izkfLFkfr %

izkfèkdj.k yk[kksa ikfylhèkkjdksa@lkèkkj.k turk dks csgrj lsok

miyCèk djkus rFkk izHkkoh fofu;ked ifjfLFkfr;ksa ds ltu

ds fy, lnk uohure vkbZ Vh #>ku viukrk jgk gSA o"kZ2002&03 ds nkSjku bl fn'kk esa fØ;kfUor xfrfofèk;ksa vkSj

igyksa dks vkus okys iSjksa esa fn;k x;k gSA


2002-20033rd

jh

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izkfèkdj.k ds lHkh vfèkdkfj;ksa dks] muds nSfud iz;ksx dsfy, uohure vkVkses'ku lkÝVos;j lfgr gkbZ ,aM isafV;eMsdLVkWi fn, x, gSaA izkfèkdj.k ds lnL;ksa vkSj dk;Zdkjhfuns'kdksa dks xg dk;kZy; dEI;wVj Hkh miyCèk djk, x, gSaAlHkh deZpkfj;ksa dks O;fDrxr bZ esy vkbZ Mh vkSj baVjusV vkSjlkFk gh izHkkoh vkSj Rofjr lapkj ds fy, cká eSlsftax HkhmiyCèk djkbZ xbZ gSA

lHkh MsLdVkiksa dks gkbZ ,aM MkVk fLopksa ds lkFk lajfprdscfyax usVodZ ls tksM+k x;k gSA lqpk: dk;Zdj.k vkSj Rofjrlapkj ds fy, fnYyh vkSj gSnjkckn dk;kZy;ksa dks 64 ds-ch-ih-,l- ds lefiZr ok;l@MkVk yhTM lfdZV ls tksM+k x;k gSAbl lqfoèkk ds mi;ksx }kjk gSnjkckn dk;kZy; esa miyCèkMkVkcsl vkSj lwpuk dks fnYyh dk;kZy; esa rSukr vfèkdkfj;ksadks miyCèk djk;k x;k gSA nSfud lapkj ds fy, nks lefiZrok;l ykbu Hkh miyCèk djkbZ xbZ gSaA

izkfèkdj.k] chek daifu;ksa ls izkIr vkofèkd foojf.k;ksa dsewY;kadu ds iz;kstu ds fy, fodflr dh xbZ izcaèk lwpuki¼fr dks dk;kZfUor djus tk jgk gSA blds lqpk: dk;kZUo;udjus ds fy, vc ijh{k.k fd, tk jgs gSaA lHkh daifu;ksa dks]bl i¼fr ds fy, rS;kj fd, x, iz:i eas foojf.k;ka iQkbydjus ds fy, vko';d vuqns'k igys gh tkjh dj fn, x, gSaA

izkfèkdj.k] viuh osclkbV ds] mleas O;kid lpZ batu] foojf.k;ksadks bySDVªkfud :i ls iQkby djuk_ vkWu ykbZu bZ&esyf'kdk;rsa] Lopkfyr bZ&esy vfèklwpuk,a] tSlh vfrfjDrfof'kf"V;ksa vkSj osclkbZV ds fgUnh [kaM dks lfEefyr djus dsfy, uohdj.k dh izfØ;k dj jgk gSA

(vi) ys[kk %31 ekpZ] 2002 dks lekIr gqbZ vofèk ds fy, izkfèkdj.k dsys[kksa dh ys[kk&ijh{kk Hkkjr ds egk&ys[kkijh{kd }kjk dh xbZgSA ch-fo-fo-izk- vfèkfu;e] 1999 dh èkkjk 17 ds micaèkksa dsvuqlj.k esa laijh{kk fjiksVZ ds lkFk laln ds lnuksa esa j[ks tkusds fy, Hkkjr ljdkj dks Hkst nh xbZ gSA bl vofèk ds ys[kksadh ,d izfr] lh,th dh fVIif.k;ksa ds lkFk (ftudk izkfèkdj.k}kjk vuqikyu fd;k tk jgk gS) bl fjiksVZ ds mikcaèk 13 ij gSA

foÙkh; o"kZ 2002&03 ds fy, izkfèkdj.k ds ys[kksa dks vafre:i ns fn;k x;k gS vkSj mUgsa] ch-fo-fo-izk- vfèkfu;e] 1999}kjk vis{kk fd, x, vuqlkj Hkkjr ds egkys[kk ijh{kd dks]mudh laijh{kk fjiksVZ] fVIif.k;ksa vkSj izek.ku ds fy, izLrqr

fd, tkus gsrq izkfèkdj.k }kjk viuk;k x;k gSA mudh ,dizfr] lh ,Ma , th dks ;Fkk izLrqr :i esa] bl fjiksVZ dsmikcaèk 14 esa gSA

(vii) vkbZ ,l vks & 9001 vkSj 2000

jftLVªhdj.k %

izkfèkdj.k dks bldh lafØ;kvksa ds fuèkkZj.k ds vkèkkj ij vkbZ,l vks izR;k;u fn;k x;k FkkA izkfèkdj.k dks iznku fd;k x;kizek.ki=k bl ckr dh iqf"V djrk gS fd izkfèkdj.k us ,dDokfyVh izcaèk i¼fr dh LFkkiuk dh gS] tks varjjk"Vªh;DokfyVh i¼fr ekud vkbZ ,l vks 9001 vkSj D;w 9001&2000ds vuq:i gSA ;g izek.ki=k ebZ] 2003 ls rhu o"kZ dh vofèkds fy, fofèkekU; gSA izek.ki=k] izkfèkdj.k }kjk viukbZ tkjgh DokfyVh uhfr ds lEeku Lo:i Hkh gS tks ;g dFkudjrh gS fd ^^izkfèkdj.k] ikfylhèkkjdksa ds fgrksa dh j{kk]chek m|ksx vkSj mlls lac¼ ;k iwjd lHkh fo"k;ksa ds fofu;eu]laoèkZu vkSj blesa lqO;ofLFkr fodkl lqfuf'pr djus ds fy,ikjn'kZd jhfr esa mÙkjnk;h fofu;ked fudk; ds :i esa dk;Zdjus vkSj DokfyVh izcaèk i¼fr ds fØ;kUo;u }kjk fujarjlqèkkj ds ekè;e ls mUgsa larq"V djus ds fy, izfrc¼ gSA**

(viii) ch-fo-fo-izk- if=kdk

ch-fo-fo-izk- if=kdk ds igys vad dk vkaèkz izns'k ds rRdkyhuekuuh; jkT;iky Mk- lh- jaxjktu }kjk fnlacj] 2002 esafoekspu fd;k x;k FkkA m|ksx vkSj blesa fnypLih ysus okysO;fDr;ksa us bldk Lokxr fd;k gSA if=kdk dks lwpuk dsmUeqDr izlkj] Lora=k vkSj fu"i{k fo'ys"k.k vkSj m|ksx ds ,slsfpark fo"k;ksa ij] tks vkink ds lHkh O;f"V;ksa vkSj dkjckjksa ijvR;kfèkd laosnu'khy :i ls izHkko Mkyrs gSa] ppkZ dkslqfuf'pr djus ds fy, vkjaHk fd;k x;k FkkA

ekfld tujy dk izR;sd vad] xzkeh.k chek] fuxe 'kklu]fuos'k] izf'k{k.k] LokLF; chek] cSadk';ksjsal vkSj lwpuk izkS|ksfxdhtSlh fo"k; oLrq ij dsfUnzr gksrk gS] tks m|ksx ds fy, lqlaxrgSA fnlacj 2003 esa tkjh tuZy ds okf"kZd vad esa chek m|ksx

ds rhu o"kZ ds mnkjhdj.k dh miyfC/;ksa dk ewY;kadu fd;kx;k gSA tuZy m|ksx vkSj blds i.kZ/kfj;ksa ds fy, viuh jk;

O;Dr djus rFkk m|ksx ds fy, vfuok;Z fo"k;ksa ij fopkj

foe'kZ djus ds fy, ,d eap ds :i esa dk;Z djrk gS vkSj;g izkf/dj.k ls lekpkj vkSj izekf.kd vkadM+ksa dk Ïksr gSA

Hkkx 5


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fu"d"kkZRed fVIif.k;kachek {ks=k dks [kksyus dh izfØ;k] o"kZ 1991 esa vkjaHk gqbZvkfFkZd lqèkkj izfØ;k dh i"BHkwfe esa vkjaHk gqbZ FkhA lqèkkjizfØ;k dk mís'; Hkkjrh; fofuekZ.k vkSj lsok {ks=kksa dks fu;a=k.kds ,sls caèkuksa ls Lora=k djkuk Fkk] tks muds fodkl esa ckèkkFks vkSj lkFk gh mUgsa fo'o vFkZO;oLFkk ds lkFk ,dhdr djusdh izfØ;k dks lqdj cukus ds fy, mUgsa mPp ekud izkIr djusesa lgk;rk djuk Hkh FkkA ;g eglwl fd;k x;k Fkk fd iwjsfo'o ds cktkjksa ds vR;fèkd izxfr'khy vkSj ,dhdr gks tkusds dkj.k ;g vko';d Fkk fd ns'k ds Hkhrj vkfFkZd lqèkkjizfØ;k Hkkjr dks bu cktkjksa ls ,dhÑr gksus esa leFkZ cuk,Avr% Hkkjrh; vFkZO;oLFkk dk bldh foÙkh; oguh;rk] l{kerk]izkS|ksfxdh] foosdiw.kZ vis{kkvksa] fofu;e vkSj fo'oluh;rk dsfucaèkuksa esa mUur cukus ds fy, mik; vkjaHk fd, x, FksAeYgks=kk lfefr dk xBu] foÙkh; lqèkkjksa ds] ftuds varxZrcSaddkjh {ks=k vkSj iwath ckt+kj Hkh gSa] {ks=k esa dh tkus okyh ,slhigyksa esa ls ,d Fkk] ftudk mís'; vFkZO;oLFkk dh vis{kkvksads vuqlkj mfpr ,d vfèkd n{k vkSj izfr;ksxh foÙkh; iz.kkyhdk l`tu djuk FkkA chek {ks=k ls lacafèkr eqn~nksa dk lekèkkudjus dh vko';drk blfy, eglwl dh xbZ Fkh D;ksafd chek{ks=k laiw.kZ foÙk iz.kkyh dk egÙoiw.kZ Hkkx gSA

lqèkkj izfØ;k ds ,d n'kd vkSj futh daifu;ksa ds izos'k dsrhu o"kZ i'pkr~ mnkjhdr ifjfLFkfr;ksa esa ;g mfpr volj gSfd ge ihNs eqM+ dj ns[ksa vkSj m|ksx ds dk;Z&fu"iknu vkSjmlds izfr vk'kkvksa dk vkSj fofu;ked }kjk Lo;a ds fy,fu;r mís';ksa dk iqufoZyksdu djsa vkSj ns[ksa fd O;f"Vvkdka{kkvksa vkSj izfrc¼rkvksa dks fdl lhek rd izkIr@iwjk fd;kx;k gSA

izkf/dj.k dks] chek ikfyfl;ksa ds èkkjdksa ds fgrksa dh j{kkdjus ds fopkj ls chek m|ksx dk fofu;eu] laoèkZu vkSjmldh pj.kc¼ fodkl lqfuf'pr djus ds fy, rFkk mllstqM+s@leuq"kaxh fo"k;ksa dk lekèkku djus ds fy, LFkkfir fd;kx;k FkkA fiNys rhu o"kZ esa chek m|ksx esa vkewy pwy ifjorZuvk, gSaA blds varxZr thou vkSj xSj&thou] nksuksa {ks=kksa esa vusdchekdÙkkZvksa dk izos'k gSA iwjs fo'o ls vusd fons'kh daifu;ksaus LFkkfir Hkkjrh; laizorZd lewgksa ds lkFk la;qDr Hkkxhnkj ds

:i esa m|ksx esa izos'k fd;k gSA eè;ofÙkZ;ksa dh la[;k esa o`f¼gqbZ gS vkSj vkt blds varxZr vfHkdÙkkZvksa ds lkFk&lkFk fuxevfHkdÙkkZ] nyky] rhljk i{kdkj iz'kkld vkSj cSadk';ksjsal HkhgSa ftlus dbZ u, ekxZ [kksys gSa vkSj ;g lEHkkouk gS fd vkusokys o"kks± esa chek m|ksx dk laiw.kZ Lo:i cny tk,xkA thouvkSj xSj&thou nksuksa {ks=kksa es vusd u, mRikn vkjEHk gq, gSa tksxzkgdksa dh fof'k"V vko';drkvksa ds fy, rS;kj vkSj iSdstM+mRikn gSaA xzkeh.k rFkk vkfFkZd :i ls fiNM+h turk dh fo'ks"kvis{kkvksa dks iwjk djus ds fy, dqN igysa dh xbZ gSa chekdÙkkZvksadh izhfe;e vk; esa o`f¼ larks"ktud gS] gkykafd izR;kHkwrLdheksa dks okil fy;k x;k gS D;ksafd fuos'k ls gksus okyh vk;esa deh ds dkj.k chekdÙkkZ ncko esa FksA cnyrh ckt+kjifjfLFkfr;k¡ ftuesa ckt+kj dk;Z dj jgk gS] fujarj ubZ pqukSfr;k¡lkeus yk jgh gSa vkSj fofu;ked <kapk Hkh le;kuqlkj cnyusdk iz;kl dj jgk gS vkSj ,sls fofu;e cuk, tk jgs gSa] tksizkfèkdj.k ds] mu ifjfLFkfr;ksa ds mnkjhdj.k dh py jghizfØ;k dks leFkZu djus ds vk'k; dks nf'kZr djrk gS] ftuesachekdÙkkZ vkSj fofHkUu eè;orhZ dk;Z djrs gSaA izkfèkdj.k usm|ksx ds rhoz fodkl dh vko';drkvksa ds izfr fo'ks"k :i lsiz;kl fd, gSaA lEHkor%] ns'k esa fiNys rhu o"kZ esa fofu;kedra=k esa tks fodkl gqvk gS mldk iwjs fo'o esa dksbZ lkuh ughagSA

;|fi izkfèkdj.k dk eq[; mís'; chek m|ksx dk fodkl gS]fiQj Hkh blus miHkksDrk laj{k.k] ikfylhèkkjdksa dks vPNh lsoknsus rFkk mudh f'kdk;r dks nwj djus tSls eqíksa ij Hkh è;kufn;k gSA mnkjhdj.k dh izfØ;k dks chek igqap dk foLrkj djusds fy, gh vkjEHk fd;k x;k FkkA ;g eglwl fd;k x;k Fkkfd ;g mís'; rHkh iwjk gks ldrk gS tc m|ksx vkSj fofu;kedfeydj Hkkoh xzkgdksa dks chek ds iQk;nksa ds izfr f'kf{kr djusdk iz;kl djsaA bl izdkj m|ksx ds izpkyu ds fy, <+k¡pk uh;rdjus ds i'pkr~ vc è;ku chek dkjckj ds lqpk: fodkl ijdsfUnzr gS vkSj ;g Hkh iz;kl fd;k tk jgk gS fd m|ksx dsfodkl ds iQk;ns vFkZO;oLFkk ds o`gr Hkkx rd igq¡ps]fo'ks"kdj ncs dqpys rFkk det+ksj rcdksa rd vkSj chek xzkeh.krFkk v¼Z&'kgjh {ks=kksa rd igq¡psA


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vFkZO;oLFkk esa] ftlesa Hkh fofu;eu dks lekIr fd;k x;k gS]C;kt njksa esa egÙoiw.kZ rFkk nwjxkeh ifjorZuksa us chekdÙkkZvksa dhvk; ij izHkko Mkyk gS vkSj ,sls chekdÙkkZvksa ds ykHk esa dehvk;h gS] tks vius rqyu i=kksa esa izR;kHkwr nkf;Ro èkkj.k dj jgsgSa] gkykafd bu nkf;Roksa dk dqN Hkkx muds }kjk èkkfjrnh?kZdkfyd fuos'kksa ls iwjk gks x;k gSA rFkkfi vkt ykHkiznnh?kZdkfyd fuos'k volj miyCèk ugha gSaA chekdÙkkZvksa dkscnyh gqbZ ifjfLFkfr;ksa ds vuqlkj vius iksVZiQksfy;ks dks u;kvkdkj nsuk gS] fdUrq ,slk djus ds fy, ekxZ lhfer gSaA gkygh esa izkfèkdj.k us bl fn'kk esa mik; djus ds fy, fuos'kksa ijfo|eku fofu;eksa dks iqujhf{kr vkSj la'kksfèkr fd;k gS tks ns'kesa fuos'k ifjfLFkfr;ksa esa ifjorZu ds dkj.k vko';d FkkA ;|fiC;kt njksa dk fofu;eu lekIr djus ls foÙkh; ckt+kj dks n{krFkk de ykxr esa izpkyu djus esa lgk;rk feyh gS fdUrqblds dkj.k ckt+kj esa vfLFkjrk c<+h gS ftlds ifj.kkeLo:ichek daifu;ksa ds tksf[keksa esa o`f¼ gqbZ gSA izkfèkdj.k] mudstksf[keksa dk izcaèk djus ds fy, O;qRiuksa tSls leqfpr foÙkh;{ks=kksa esa fuos'k dh vuqKk nsus ds fy, dkjZokbZ dj jgk gSA

izkf/dj.k ikfyfl;ksa ds vfèkd la[;k esa O;ixr gksus ds izfrfpfUrr gSA ,d vksj xzkgd dks bl ckjs esa f'kf{kr fd, tkus dhvko';drk gS fd ikfyfl;ksa dk izfrLFkkiu mlds fgr esa ughgS] nwljh vksj bl izdkj O;ixr gksuk chekdÙkkZvksa ds ykHk dksde djrk gSA vfHkdÙkkZvksa }kjk] xzkgdksa dks lykg fn, tkrsle;] mfpr vkSj i;kZIr izdVu vkSj lkFk gh ldkjkRedO;ogkj bl leL;k dks nwj dj ldrk gSA izkfèkdj.k blh lanHkZesa vfHkdÙkkZ cy dh mPp xq.koÙkk ij cy nsrk gSA

izkfèkdj.k dqN le; ls thou rFkk xSj&thou] nksuksa {ks=kksa esa NwVfn, tkus dh leL;k ds izfr fpfUrr gSA izkfèkdj.k] blds }kjkvkjEHk fd, x, foKkiu vfHk;ku ds Hkkx :i esa bl ckr dsizfr tkx:drk cuk jgk gS fd NwV nsuk vijkèk gS vkSjchekdÙkkZvksa dks bl lacaèk esa vius Lofofu;ked ra=k dks n`<+djuk gksxkA chekdÙkkZvksa vkSj eè;ofrZ;ksa dk ckt+kj vkpkjfpUrktud fo"k; gSA chekdÙkkZvksa ds fy, ;g vko';d gksxkfd os fuxe Lrj ij rFkk viuh ifj"knksa ds ekè;e ls la;qDr:i esa Lofofu;eu ds <+ax fodflr djsaA

chekdÙkkZvksa ls ;g lqfuf'pr djus ds fy, j.kuhfr cukukvisf{kr gS fd muds izpkyu O;;ksa dks fofgr lhek ds Hkhrj

j[kk tk,A ;|fi ubZ daifu;ksa dh n'kk esa] izpkyu ds izkjfEHkdo"kks± esa bu lhekvksa dk mYya?ku fd;k tk ldrk gS fdUrqizcaèku dks vius O;;ksa ij ut+j j[kuh gksxh rFkk mUgas de djusdh ;kstuk cukuh gksxhA ;g] cktkj esa c<+rh izfr;ksfxrk rFkkfujarj ?kVrh C;kt njksa ds lanHkZ esa fo'ks"k :i ls vko';d gSAifCyd {ks=k ds chekdÙkkZvksa dh n'kk esa fo|eku izpkyu O;;ksaesa deh djuk] ferO;;h futh daifu;ksa ds lkFk izfr;ksfxrk esacus jgus ds fy, vko';d gksxkA

izkfèkdj.k ns'k esa LokLF; chek dh vi;kZIr igq¡p rFkk LokLF;chek mRiknksa ds voSKkfud ewY; fu;ru ds izfr fpfUrr gSAchek daifu;ksa }kjk ns'k esa izLrkfor LokLF; chek mRiknfuc±fèkr] egaxs gSa vkSj mudk iz'kklu Hkh vPNk ugha gSA m|ksxds bl fof'k"V {ks=k esa vHkh egÙoiw.kZ :i ls uohurk ugha vkldh gSA izLrkfor mRiknksa ds ewY;ksa esa tksf[ke varj Hkh gSAMkVkcsl th.kkZoLFkk esa gS vkSj ;g lqfuf'pr djus ds fy, dksbZeku ;k ekud ugha gS fd nh xbZ lsok dh visf{kr xq.koÙkk rFkkfpfdRlh; lsokvksa dk ewY; ;qfDr;qDr gSA i;kZIr MkVkcsl cuk,tkus dks iwfoZDrk nsuh gksxhA

xzkeh.k vkSj lkekftd {ks=kksaa dss izfr ckè;rkvksa dks iwjk djukrFkk bu ckè;rkvkas dks dkuwuh vuqikyu ds lanHkZ ls ijs ys tkukegÙoiw.kZ gSA chekdÙkkZvksa }kjk izLrqr dkjckj vkadM+sa ;g nf'kZrdjrs gSa fd chek daifu;ka bu y{;ksa dks o"kZ ds var esa okf"kZdckè;rkvksa ds :i esa fdlh izdkj iwjk djus dss iz;kl dj jghgSaA xzkeh.k vkSj v¼Z'kgjh {ks=kksa esa turk ds cnyrs Lo:i dsdkj.k 'kgjh {ks=kksa ls ijs chek dks cspus dh izcy laHkkouk,a gSaA

fofuekZ.k {ks=kksa us viuh yf{;r foi.ku j.kuhfr;ksa ls i;kZIr :iesa minf'kZr fd;k gSA bl vuqHko dks chek {ks=k esa Hkh nksgjk,tkus dh vko';drk gSA liQyrk ls lh[k izkIr djuh pkfg,tSlk fd loZ{k.kksa@vè;;uksa ls irk pyrk gSA

iwjs fo'o esa fuxe izcaèkd foÙkh; vfu;ferrkvksa dks jksdus dsfy, vfrfjDr izdVuksa dk lgkjk ys jgs gSaA ns'k vkSj fons'k] nksuksaesa izdVu vis{kkvksa dks dM+k cuk;k tk jgk gS vkSj foÙkh;vfu;ferrkvksa ds fy, Hkkjh 'kkfLr;ka vfèkjksfir dh tk jgh gSaAiwjs fo'o esa fofu;ked fuxe 'kklu vkSj izpkyuksa esa ikjnf'kZrkdh odkyr dj jgs gSaA chek m|ksx ds fy, ;g vko';d gSfd og ,d Lofofu;ked ra=k ds :i esa vPNs fuxe 'kklu


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O;ogkjksa dks fodflr djsa vkSj vkofèkd izdVuksa] pkgs ;gfrekgh vFkok N%ekgh vkèkkj ij gks] dks c<+kok nsaA

chek m|ksx us] {ks=k dks [kksyus vkSj futh {ks=k dh Hkkxhnkjh dsi'pkr~ fiNys rhu o"kZ esa ,d fu;fer fodkl nj minf'kZr dhgSA laiw.kZ m|ksx ds fy, izcy laHkkouk,a gSSaA gkykafd dkiQh

vfèkd izxfr gqbZ gS] fiQj Hkh iz'kalkvksa ls larq"V gksuk Bhd ughagSA chekdÙkkZvksa dks fuf'pr :i ls ckt+kj va'k vftZr djus lsijs ns[kuk gksxk vkSj viuk è;ku nh tkus okyh lsokvksa dhxq.koÙkk vkSj vuqHkoghu m|ksx esa] de ls de mnkjhdr lanHkZesa fo'okl rFkk fo'oluh;rk cukus ds fy, viuh lafØ;kvksaesa ikjnf'kZrk dh lhek ij Hkh è;ku nsuk gksxkA


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mikcaèk - I

ch-fo-fo-izk- vf/fu;e] 1999 ds v/hu cuk, x, fofu;e

Øe la- vf/lwpuk dk uke izdk'ku dh rkjh[k

1- (1) ch-fo-fo-izk- (chek lykgdkj lhfefr ds lnL;) 24 ebZ] 20002- (2) ch-fo-fo-izk- (chek lykgdkj lfefr dh fu;qfDr) 16 twu] 20003- (3) ch-fo-fo-izk- (chek lykgdkj lfefr) (cSBd) fofu;e] 2000 14 tqykbZ] 20004- (4) ch-fo-fo-izk- (fu;r chekadu) fofu;e] 2000 19 tqykbZ] 20005- (5) ch-fo-fo-izk- (chekadu fjiksVZ vkSj laf{kIr lkj) fofu;e] 2000 19 tqykbZ] 20006- (6) ch-fo-fo-izk- (chek vfHkdÙkkZvksa dk vuqKkiu) fofu;e] 2000 19 tqykbZ] 20007- (7) ch-fo-fo-izk- (chekdÙkkZvksa dh vkfLr;ka] nkf;Ro vkSj 'kks/u {kerk varj)

fofu;e] 2000 19 tqykbZ] 20008- (8) ch-fo-fo-izk- (lk/kj.k chek&iqu%chek) fofu;e] 2000 19 tqykbZ] 20009- (9) ch-fo-fo-izk- (Hkkjrh; chek daifu;ksa dk jftLVªhdj.k) fofu;e] 2000 19 tqykbZ] 2000

10- (10) ch-fo-fo-izk- (chek foKkiu vkSj izdj.k) fofu;e] 2000 19 tqykbZ] 200011- (11) ch-fo-fo-izk- (chekdÙkkZvksa dk xzkeh.k ;k lkekftd {ks=k esa nkf;Ro) fofu;e] 2000 19 tqykbZ] 200012- (12) ch-fo-fo-izk- (cSBdsa) fofu;e] 2000 19 tqykbZ] 200013- (13) ch-fo-fo-izk- (fuos'k) fofu;e] 2000 16 vxLr] 200014- (14) ch-fo-fo-izk- (vf/dkfj;ksa vkSj vU; deZpkfj;ksa dh lsok 'krs±) fofu;e] 2000 29 vxLr] 200015- (15) ch-fo-fo-izk- ¹chek losZ{kd vkSj gkfu fu/kZjd (vuqKkiu] o`fÙkd vis{kk,a vkSj 24 uoacj] 2000

vkpkj lafgrk)º fofu;e] 200016- (16) ch-fo-fo-izk- (thou chek&iqu%chek) fofu;e] 2000 23 fnlacj] 200017- (17) ch-fo-fo-izk- (fuos'k) (la'kks/u) fofu;e] 2001 31 ebZ] 200018- (18) ch-fo-fo-izk- (rhlkjk i{kdkj & LokLF; lsok,a) fofu;e] 2001 17 flracj] 200019- (19) ch-fo-fo-izk- (iqu%chek lykgdkj lfefr) fofu;e] 2001 8 tuojh] 200220- (20) ch-fo-fo-izk- (fuos'k) (la'kks/u) fofu;e] 2002 2 vizSy] 200221- (21) ch-fo-fo-izk- (chek daifu;ksa ds foÙkh; fooj.kksa vkSj laijh{kk fjiksVZ dk 2 vizSy] 2002

rS;kj fd;k tkuk) fofu;e] 200222- (22) ch-fo-fo-izk- (ikfylh/kjdksa ds fgrksa dk laj{k.k) fofu;e] 2002 30 vizSy] 200223- (23) ch-fo-fo-izk- (chek nyky) fofu;e] 2002 17 vDVwcj] 200224- (24) ch-fo-fo-izk- (chekdÙkkZvksa ds xzkeh.k ;k lkekftd {ks=k esa ckè;rk,a) (la'kks/u) fofu;e] 2002 17 vDVwcj] 200225- (25) ch-fo-fo-izk- (fuxe vfHkdÙkkZvksa dk vuqKkiu) fofu;e] 2002 17 vDVwcj] 200226- (26) ch-fo-fo-izk- (chek vfHkdÙkkZvksa dk vuqKkiu) (la'kks/u) fofu;e] 2002 17 vDVwcj] 200227- (27) ch-fo-fo-izk- (ikfylh/kjdksa ds fgrksa dh laj{kk) (la'kks/u) fofu;e] 2002 17 vDVwcj] 200228- (28) ch-fo-fo-izk- (izhfe;e izkIr djus dh jhfr)) fofu;e] 2002 17 vDVwcj] 200229- (29) ch-fo-fo-izk- (vf/'ks"k dk forj.k) fofu;e] 2002 14 fnlEcj] 200230- (30) ch-fo-fo-izk- (Hkkjrh; chek daifu;ksa dk jftLVªhdj.k) (la'kks/u) fofu;e] 2002 7 ekpZ] 2003


3rd

jh

328

mikcaèk - II

NwVizkIr chekdÙkkZ

Ø-la- daiuh dk uke

1- xqtjkr chek fufèk

2- e-iz- jkT; iQly chek

3- ne.k vkSj nho iQly chek fufèk

4- nknjk vkSj ukxj gosyh iQly chek

5- dsjy jkT; chek foHkkx

6- dukZVd ljdkj chek foHkkx

7- rfeyukMq iQly chek fufèk

8- ikafMpsjh iQly chek fufèk

9- dukZVd ljdkj iQly chek fufèk

10- vka-iz- jkT; iQly chek

11- jktLFkku jkT; chek fufèk

12- fnYyh jkT; iQly chek fufèk

13- gfj;k.kk jkT; iQly chek fufèk

14- fgekpy izns'k iQly chek fufèk

15- mÙkj izns'k iQly chek fufèk

16- jktLFkku jkT; iQly chek fufèk

17- lh ,p ,u ,p ch lHkk

18- if'peh caxky iQly chek fufèk

19- mM+hlk jkT; iQly chek fufèk

20- fcgkj iQly chek

21- f=kiqjk iQly chek

22- vle jkT; iQly chek

23- es?kky; jkT; iQly chek fufèk

24- ef.kiqj jkT; iQly chek fufèk

25- v.Meku vkSj fudksckj iz'kklu iQly chek fufèk

26- egkjk"Vª jkT; iQly chek fufèk

27- egkjk"Vª ljdkj chek fufèk

28- xksvk jkT; iQly chek


3rd

jh

330

mikca/ - III

31 ekp Z] 2003 dks vfHkdÙkkZvksa ds fy, forj.k ekxks± ds vkadM+sa

chekdÙkkZ O;fDr vfHkdÙkkZ fuxfer vfHkdÙkkZ ;ksx

thou chekdÙkkZ u;k uohdj.k u;k uohdj.k u;k uohdj.k

Allianz Bajaj Life Insurance Co. Ltd. 14,157 45 14,202

ING Vysya Life Insurance Co. Pvt. Ltd. 3,906 8 3,914

AMP Sanmar Insurance Co. Ltd. 1,599 9 1,608

SBI Life Insurance Company Limited 2,218 6 2,224

TATA-AIG Life Insurance Company Ltd. 15,451 108 15,559

HDFC Standard Life Insurance Co Ltd. 11,237 75 11,312

ICICI Prudential Life Insurance 23,820 5 133 3 23,953 8

Birla Sun Life Insurance Co. Ltd. 6,175 4 139 6,314 4

Aviva Life Insurance Co India Pvt. Ltd. 1,868 2 1,870

Om Kotak Mahindra Life Insurance Co. Ltd. 3,730 55 3,785

Max New York Life Insurance Co. Ltd. 5,766 7 4 5,770 7

Metlife India Insurance Co. Pvt. Ltd. 1,453 1 10 1,463 1

Life Insurance Corporation of India 479,027 468,378 159 1 479,186 468,379

Sub Total 570,407 468,395 753 4 571,160 468,399

NON-LIFE INSURER

Royal Sundaram Alliance Insurance Co. Ltd. 207 4 12 3 219 7

TATA-AIG General Insurance Company Ltd. 670 3 137 807 3

Reliance General Insurance Company Ltd. 215 12 33 248 12

IFFCO-TOKIO General Insurance Co. Ltd. 321 31 32 353 31

ICICI Lombard General Insurance Co. Ltd. 724 1 2 726 1

Bajaj Allianz General Insurance Co. Ltd. 921 24 45 966 24

HDFC Chubb General Insurance Company Ltd. 12 2 12 2

Cholamandalam MS General Insurance Co. Ltd. 182 1 15 197 1

The New India Assurance Co. Ltd. 6,520 14,111 26 9 6,546 14,120

National Insurance Co. Ltd. 7,651 11,544 38 11 7,689 11,555

United India Insurance Co. Ltd. 6,015 10,218 32 15 6,047 10,233

The Oriental Insurance Co. Ltd. 4,712 10,031 26 7 4,738 10,038

Sub Total 28,150 45,982 3 9 8 45 28,548 46,027

Grand Total 598,557 514,377 1,151 49 599,708 514,426

,yk,at ctkt thou chek da- fy-

vkbZ ,u th oS'; thou chek da- fy-

, ,e ih luekj chek da- fy-

,l ch vkbZ thou chek da- fy-

VkVk&,vkbZth thou chek da- fy-

,p Mh ,iQ lh LVsaMMZ thou chek da- fy-

vkbZ lh vkbZ lh vkbZ izwMsaf'k;y thou chek

fcjyk luykbZiQ chek da- fy-

vohok Hkkjrh; thou chek da- iz- fy-

vkse dksVd egsUnzk thou chek da- fy-

eSDl U;w;kdZ thou chek da- fy-

eSVykbZiQ Hkkjrh; thou chek da- izk- fy-

Hkkjrh; thou chek fuxe

dqy ;ksx

xSj&thou chekdÙkkZ

jkW;y lqUnje ,yk,at chek da- fy-

VkVk&,vkbZth lk/kj.k chek daiuh fy-

fjyk;al lk/kj.k chek daiuh fy-

biQdks&Vksfd;ks lk/kj.k chek da- fy-

vkbZ lh vkbZ lh vkbZ ykseckMZ lk/kj.k chek da- fy-

ctkt ,yk,at lk/kj.k chek da- fy-

,pMh,iQ,l pc lk/kj.k chek daiuh fy-

pksykeaMye ,e ,l lk/kj.k chek da- fy-

n U;w bafM;k ,';ksjsal da- fy-

us'kuy chek da- fy-

;wukbZfVM bafM;k chek da- fy-

n vksfj,aVy chek da- fy-

dqy ;ksx

ldy ;ksx


3rd

jh

332

mikca/ - IV

31 ekp Z] 2003 dks vfHkdÙkkZvksa ds fy, forj.k ekxks± ds vkadM+sµxzkeh.k vkSj 'kgjh

chekdÙkkZ xzkeh.k 'kgjh

Life Insurer

Allianz Bajaj Life Insurance Co. Ltd. 13,632 570

ING Vysya Life Insurance Co. Pvt. Ltd. 3,870 44

AMP Sanmar Insurance Co. Ltd. 1,282 326

SBI Life Insurance Company Limited 2,152 72

TATA-AIG Life Insurance Company Ltd. 15,539 20

HDFC Standard Life Insurance Co Ltd. 10,803 509

ICICI Prudential Life Insurance 23,619 342

Birla Sun Life Insurance Co. Ltd. 6,233 85

Aviva Life Insurance Co India Pvt. Ltd. 1,566 304

Om Kotak Mahindra Life Insurance Co. Ltd. 3,426 359

Max New York Life Insurance Co. Ltd. 5,735 42

Metlife India Insurance Co. Pvt. Ltd. 1,447 17

Life Insurance Corporation of India 468,133 479,432

Sub Total 557,437 482,122

Non-life Insurer

Royal Sundaram Alliance Insurance Co Ltd. 201 25

TATA-AIG General Insurance Company Ltd 769 41

Reliance General Insurance Company Ltd. 256 4

IFFCO-TOKIO General Insurance Co. Ltd. 343 41

ICICI Lombard General Insurance Co. Ltd. 580 147

Bajaj Allianz General Insurance Co. Ltd. 898 92

HDFC Chubb General Insurance Company Ltd. 13 1

Cholamandalam MS General Insurance Co. Ltd. 190 8

The New India Assurance Co. Ltd. 15,259 5,407

National Insurance Co. Ltd. 14,410 4,834

United India Insurance Co. Ltd. 11,002 5,278

The Oriental Insurance Co. Ltd. 11,502 3,274

Sub Total 55,423 19,152

Grand Total 612,860 501,274

thou chekdÙkkZ

,yk,at ctkt thou chek da- fy-

vkbZ ,u th oS'; thou chek da- fy-

, ,e ih laekj chek da- fy-

,l ch vkbZ thou chek da- fyfeVsM

VkVk&,vkbZth thou chek daiuh fy-

,p Mh ,iQ lh LVsaMMZ thou chek da- fy-

vkbZ lh vkbZ lh vkbZ izwMsaf'k;y thou chek

fcjyk luykbZiQ chek da- fy-

vohok Hkkjrh; thou chek da- izk- fy-

vkse dksVd egsUnzk thou chek da- fy-

eSDl U;w;kdZ thou chek da- fy-

eSVykbiQ Hkkjrh; thou chek da- izk- fy-

Hkkjrh; thou chek fuxe

dqy ;ksx

xSj&thou chekdÙkkZ

jkW;y lqUnje~ ,yk,at chek da- fy-

VkVk&,vkbZth lk/kj.k thou chek da- fy-

fjyk;al lk/kj.k chek daiuh fy-

biQdks&Vksfd;ks lk/kj.k chek da- fy-

vkbZ lh vkbZ lh vkbZ ykseckMZ lk/kj.k chek da- fy-

ctkt ,yk,at lk/kj.k chek da- fy-

,p Mh ,iQ lh pc lk/kj.k chek daiuh fy-

pksykeaMye ,e ,l lk/kj.k chek da- fy-

n U;w bafM;k ,';ksjsal da- fy-

us'kuy chek da- fy-

;wukbZVsM bafM;k chek da- fy-

n vksfj,aVy chek da- fy-

dqy ;ksx

ldy ;ksx


3rd

jh

334

mikca/ - V

rhljk i{kdkj iz'kkld&LokLF; lsok,a

Ø-la- daiuh lEidZ O;fDr@ irk VsyhiQksu iSQDl ua-

1 MkWu lfoZflt izk-fy- Mk- vkj- lqjs[k dqekj] 7808810 040-7801813

(vuqKfIr la- 001) izca/d funsZ'kd vkSj eq[; dk;Zikyd] 7808809

vf/dkjh IykaV la- 37, larks'kheka dkWyksuh] 7808974

if'peh esjsM;yh]fldanjkckn - 500 026

bZ&esy%[email protected]

2 ikfj[k gsYFk esusteSaV Jh fefe'k vkj- ikfj[k] 4611022 /3/4 022-4611021

(izk-) fy- eq[; dk;Zikyd vf/dkjh](vuqKfIr la- 002) n iQksje] nwljk ry]

j?kqoa'kh feYl dEikÅaM]11/12, lsukifr ckiV ekxZ]egky{eheqEcbZ � 400 013

3 esfM vflLrq bafM;k izk-fy- Jh x.ks'k lqczãf.k;e] 080-6538790/91/92 080-6538793

(vuqKfIr la- 003) funsZ'kd]4/1, nsoh;kg dksV] izFke ry] 22oka Økl]t;kuxj] rhljk Cykd]caxykSj � 560 011

4 xkso/Zu gsYFk eSustesaV Mk- vksfyaMk fVDl] 2204643

izk-fy- ds,llh,e,iQ fcfYMax la- 8, 2265744

(vuqKfIr la- 004) dfua?ke jksM]caxykSj - 560 052

5 ,e Mh bafM;k gsYFkds;j Jh fczt 'kekZ] 020-7292040 � 43

lfoZlst (izk-) fy- eq[; dk;Zikyd vf/dkjh](vuqKfIr la- 005) 261/2/7, flYoj vksd ikdZ]

csuj jksM] iq.ks � 411 045

6 iSjkekÅaV gsYFk lfoZflt Mkñ u;u 'kkg] 022-4620800 022-24985507/08

izk-fy- izca/ funsZ'kd](vuqKfIr la- 006) 81, cjksnkokyk esa'ku]

Mkñ ,suh cslsaV jksM]eqEcbZ � 400 018

bZ&esy% [email protected]

7 bZ esfMVsd lksY;w'ku fy- Jh xksiky oekZ] 0124-25062068-70 0124-25062071

(vuqKfIr la- 007) izca/ funsZ'kd]45, uRFkwiqj jksM]Mh,y,iQ isQl � III , [email protected]


3rd

jh

336


8 gSfjVst gsYFk Jh ,l-ds- ctksfu;k] 033-22482411 033-22480482

lfoZflt izk-fy- funsZ'kd](vuqKfIr la- 008) edykbZ gkml] 3, usrkth lqHkk"k jksM]

dksydkrk � 700 001


9 ;wfuolZy esfM&,aM Jh th-ih- lqjs[kk] 011-51515197-99 011-2332 0101

lfoZflt fy- eq[; dk;Zikyd vf/dkjh](vuqKfIr la- 009) 1104, vkdk'k}hi] 26,

ckjk[kEck jksM]ubZ fnYyh � 110001


10 esfMds;j iQkmaMs'ku Mkñ vt; ,fLrcsfj;ks] 0832-414006 0832-414007

izk-fy- eq[; iz'kklfud vf/dkjh](vuqKfIr la- 010) 1120, gkÅflax cksMZ dkyksuh

iksjoksfje] ,sYVks csfVe]xksvk � 403 521

b Z&e sy% [email protected]

11 VkWoj ba'kksjsal lfoZflt lqJh ,e-,l- efganzk] 022-22844364 022-22040032

izk-fy- vè;{k] 56338492/97/98

(vuqKfIr la- 011) 519 esdj pSEcj V, 2835359

ujheu ikWb±V] eqEcbZ � 400 021

12 esfMds;j Vh ih , fczuksMh-ts- ?kks'kky (lsukfuo`r) 033-2873385

lfoZlst (vkbZ) izk-fy- funsZ'kd] Helpline: 9830060861

(vuqKfIr la- 012) ÝySV ua- 10, ikWy eSa'ku]6, fc'ki fyiQjs jksM]dksydÙkk - 700 020.


13 iSQfeyh gSYFk Jh ,-ih-oh- jsM~Mh] 040 � 23556464 040 � 23556262

IykWu fy- eq[;dk;Zikyd vf/dkjh](vuqKfIr la- 013) vkfnR; tsvkj Vkoj] 8-2-120/86/9 ,vkjch VkWy Úh ua-

,,aMch 3jk vkSj 4Fkk ry] ekxZ la[;k 2, 040-23556464

catkjk fgYl] gSnjkckn � 500 034 040-23556262

14 vkbZlh,,u gsYFk lfoZlst Jh Fkksel eSF;w] 020-4001171,2,3 020-4001171,2,3

izk-fy- izca/ funs'kd](vuqKfIr la- 014) ,-9/2, ehuk uxj]

dksgjsxkao ikdZ]iq.ks � 411 001.

15 j{kk Vhih, iz-fy- Jh iou HkYyk] 0129 2250000 0129 2250002

(vuqKfIr la- 015) eq[; dk;Zikyd funsZ'kd 2250001

15/5, eFkqjk jksM] 5046822

iQjhnkckn � 121 003, gfj;k.k eksck- % 9810009517

VkWy Úh ua-1600 12 1444


3rd

jh

338


16 VhVhds gsYFk ds;j Jh fxjh'k jko] 080-51155030 080- 5115032

lfoZflt izk-fy- izca/ funs'kd] 51155031

(vuqKfIr la- 016) #7, thou chek uxj esu jksM],p,,y] rhljk LVst] caxykSj � 560 075.


17 ,u;wFkk eSfMuSV Mkñ ,u jfoanj 'ksV~Vh] 080-2214766

gsYFk ds;j izk-fy- funsZ'kd] 2210205

(vuqKfIr la- 017) 65, ykosyh jksM] pkSFkk ØkWl] (eks)-9845010136

caxykSj � 560 001.

b Z&e sy% [email protected]

18 bZLV oSLV vflLV Mkñ ,u ih ,p pkoyk] 011- 24699229 011-24694696

izk-fy- izca/ funsZ'kd] 24623738

(vuqKfIr la- 018) 37, iFohjkt jksM]ubZ fnYyh � 110 011.


19 esM losZ gsYFk ds;j Jh jktu lqczeU;e] 011-26611061-66 011-26611067

fy- eq[; dk;Zikyd vf/dkjh] VkWy Úh ua- %(vuqKfIr la- 019) ,iQ-701,] ykM+ks ljk;] 1600111142

xksYiQ dkslZ ds ihNsubZ fnYyh � 110 030

20 tsful bafM;k fy- Jh jkds'k diwj] 24430329/139/0114 24430064

(vuqKfIr la- 020) izca/ funsZ'kd]41, v#.k fogkj] lSDVj � 37]

uks,Mk - 201 303.

21 vyafdr gsYFkds;j Jh vkyksd dqekj vxzoky] 23540641 iSQDl (fuxe dk-)izk-fy- funsZ'kd] 23614186 011-23680881

(vuqKfIr la- 021) 234, MhMh, vkfiQl dkEiySDl 23552001

>aMsokyku ,DlVsa'ku]ubZ fnYyh � 110055.


22 HkkbZpan veksyd Jh fiQfyDl oYMj] 022-22077212 022-22073204

bu';ksjsal lfoZflt lhbZvks def'kZ;y 22077213

izk-fy- ;wfu;u gkÅl 2jk ry] 22077214

(vuqKfIr la- 022) 9 osysl LVªhV] iQksVZ] 22070916

eqEcbZ � 400 001.


23 xqM gsYFkIyku Jh ,e- oSaDVslojyw] 040 � 5582 5003 040 � 5582 8081

fyfeVsM eq[; dk;Zikyd vf/dkjh](vuqKfIr la- 023) #112, ek#fr jksM] vikVZesaV]

jktHkou] jksM] lksekth nqxkZ] gSnjkckn � 500 082.



3rd

jh

340

mikca/ - VI

nykyksa dks eatwj dh xbZ vuqKfIr;ksa dh la[;k µ jkT;&okj vkadM+sa

jkT;@ 'kgj eatwj dh xbZ vuqKfIr;ksa dh la[;k 2002-03

egkjk"Vª la;qDr 8 + iqu%chek 4 + izR;{k 5 = 17

eqEcbZ 15

iq.ks 2

vka/z izn s'k 1 la;qDr + 6 izR;{k = 7

gSnjkckn 7

ubZ fnYyh 1 la;qDr + 5 izR;{k = 6

xqtjkr izR;{k 1

jktdksV 1

dsjy izR;{k 1

rfeyukMq 1 la;qDr + 5 izR;{k = 6

psUubZ 6

if'peh caxky 1 la;qDr + 1 izR;{k = 2

dksydkrk 2

eatwj dh xbZ vuqKfIr;ksa dh dqy la[;k

1. la;qDr = 12

2. iqu%chek = 4

3. izR;{k = 24

;ksx = 40

31 vDVwcj 2003, rd eatwj dh xbZ vuqKfIr;ksa dh la[;k 125 gSA

34

2

okf��"kZd

fjiksVZ

AN

NU

AL REPO

RT2

00

2-2

00

33

rd jhmikca/ - VII

chek nykyizkf/dj.k us foÙkh; o"kZ 2002&03 ds nkSjku 30 tuojh] 2003 dh lwpuk dks vkxs c<+krs gq, chek fofu;ked vkSj fodkl izkf/dj.k (chek nyky) fofu;e]2002_ chek vf/fu;e] 1938_ vkSj chek fofu;ked vkSj fodkl izkf/dj.k vf/fu;e] 1999 ds mica/ksa ds fuca/uksa esa] fuEufyf[kr daifu;ksa dks chek nykyvuqKfIr;ka tkjh dha %

izek.ki=k vuqKfIr dksM vkosnd dk uke irk VsyhiQksu ua- vuqKfIr dh izÑfr iz/ku vf/dkjh vuqKfIr dhla- la- vof/

101 Mhch&001@ 02 bafM;k bu';ksj ÝySV la-&305] pkSFkk ry] (040)7822994@ 7822990 izR;{k (dsoy lk/kj.k) oh- jkekÑ".k 30@1@2003 lseSusteSaV lfoZflt vpZuk vkjdsM] lsUV tksal jksM 29@1@2006

fldankjkckn 500 025

102 Mhch&005@ 02 ,lh,ebZ chek 3,] rhljk ry] teky;] (044)28240520@ 28240521 izR;{k vkbZ foØe 30@1@2003 lslsok,a izk-fy- 17 txuukFku jksM] uqxecDde] 29@1@2006

pSUubZ 600 034

103 Mhch&009@ 02 vkeZj dulsYVsaVl la- 2, izdkle jksM] nwljk ry (044) 52121900 izR;{k ,l-ih- j?kqukFku] 30@1@2003 lsizk-fy- nwljk ry] Vh uxj] ,iQ vkbZ vkbZ 29@1@2006

pSUubZ 600 017

104 lhch&013@ 02 VhVhds bu';ksjsal lfoZlst 1&1&782@ch@5] xka/h uxj] (040)27645070@ 27612232 la;qDr Vh- ukjk;u jko 30@1@2003 lsizk-fy- gSnjkckn 500 080 29@1@2006

105 Mhch&014@ 02 gSfyvksl bu';ksjsal vkj bZ 302 yksVl Iykt] (040)27765755@ 27634553 izR;{k Mk- lh-oh- jkekuu jsM~Mh 30@1@2003 lslfoZlst izk-fy- LVªhV la- 11] fgek;r uxj] 29@1@2006

gSnkjkckn 500 029

106 Mhch&020@ 02 iQLV iksfylh ,yizks daikÅaM] fpupokM] (020)24103410@ 27471458 izR;{k v'kksd tSu 30@1@2003 lsba';ksjsal ,MokbZllZ iq.ks 411 003 29@1@2006izk-fy-

107 Mhch&026@ 02 ,sDlhysaV bu';ksjsal 8&3&961@ch] Jhuxj dkyksuh] (040)23752536@ 23752537 izR;{k Mkñ ds- eqjyh/j jsM~Mh 30@1@2003 lsczksfdax lfoZflt fy- gSnjkckn 500 073 29@1@2006

108 lhch&024 02 ds-,l- nLrwj dseckVk Hkou] 42 egk½f"k (022)22855855 la;qDr iq#"kksÙke jsM~Mh 30@1@2003 lsjhba';ksjsal czksdlZ izk-fy- dkjos jksM] eqEcbZ 400 020 29@1@2006

110 Mhch&004@ 02 ;wfudksuZ bu;ksjsal ,&211] f'kokfyd ,uDyso] (011) 6681890@ 26682213 izR;{k v'kksd ds- 'kekZ 30@1@2003 lsczksdlZ izk-fy- ekyoh; uxj] 29@1@2006

ubZ fnYyh 110 017

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(022)2

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(bafM;k)

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113

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(022) 22660771/

la;qD

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(022) 24954675

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2.3

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121

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(022) 22614513/

22661766

iqu% chek

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3.3

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(czksd

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cEcb

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(022) 22043894/

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iqu% chek

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jhbu';ksjsal

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(020) 5534961/

5444561

izR;{

kVh- vkj- c

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3.3

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ba';ksjsal

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2.3

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23371796

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(011) 23611846-5

0,

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2829330

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(011) 26537358/2

653735/

la;qD

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yh 110 017

19.3

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lhch

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52

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60

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22) 22819750/5

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k),e

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31.3

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138

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(022) 22664773/2

2653060

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(bafM;

k)ujheu

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31.3

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139

Mhch

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172) 386551/

386552/

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k (d

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k/kj.

k)lq/

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1.4

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31.3

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+

140

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jksy(0

22)2

6934900/

26935900

la;qD

rfnyhi e

qa'kh

1.4

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czksdjst

da-izk-fy-

IykV l

a- 6@19] daEikVZesaV l

a- 82]

29.1

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h (i

woZ)eqEcb

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Mhch

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3bZ esM

ykbZiQ

15,] 15o

ka ry

](0

11) 23320613,

izR;{

kvfer

JhokLr

o31.3

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ba';ksjsal

czksfd

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k jke

gkÅl]

23737379

30.3

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lfoflZt

fy-

1] VksyLVk; e

kxZ]

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yh 110 001

izek.ki=k

vuqK

fIr d

ksMvkosnd

dk uke

irk

VsyhiQksu

ua-

vuqK

fIr d

h izÑ

friz/

ku v

f/dkjh

vuqK

fIr d

hla-

la-

vof/

35

0

okf��"kZd

fjiksVZ

AN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

mikca/ - VIII(d)

fofHkUu dsUnzksa esa vksecMlesu dk dk;Z fu"iknu31 ekp Z] 2003 dks lekIr gksus okyh vof/ esa fuiVkbZ xbZ f'kdk;rsa µ thou {ks=k

fuEufyf[kr }kjk fuiVkbZ xbZ f'kdk;rksa dh la[;k fuiVkbZ xbZ f'kdk;rksa dk vof/&okj vof/&okj cdk;k f'kdk;rsaf'kdk;rksa dh fuiVkjkdqy la[;k

vksecMlesu dsUnz f'kdk;rksa ifjR;kx iap kV izR;kgj.k LohÑr [kkfjt vxzg.kh; 1 ekl 1 ls 3 3 ekl dqy 1 ekl 1 ls 3 ekl dqydh dqy }kjk ugha dh esa ekl esa d s ls 3 ekl ls

la- fuiVkjk xbZ i'pkr~ de vf/d

vgenkckn 68 0 15 7 0 26 3 51 9 13 29 51 2 8 7 17

Hkksiky 235 0 14 94 0 38 8 154 2 39 113 154 11 23 47 81

Hkqous'oj 105 1 0 45 0 10 28 84 39 16 29 84 5 10 6 21

paM+hx<+ 131 0 6 63 0 5 27 101 40 52 9 101 18 6 6 30

2 0 2 0 0 0 2 2 2

pSUubZ 288 0 3 6 0 19 234 262 236 26 0 262 8 15 3 26

fnYyh 340 112 70 2 4 10 16 214 14 45 155 214 55 39 32 126

xqokgkVh 88 25 49 1 0 6 81 19 54 8 81 5 2 0 7

gSnjkckn 137 0 38 3 0 28 33 102 45 48 9 102 20 10 5 35

dksph 62 10 2 21 24 57 24 33 0 57 1 4 0 5

dksydkÙkk 443 104 0 198 0 6 308 16 99 193 308 25 47 63 135

y[kuÅ 312 4 19 132 9 30 59 253 162 72 19 253 24 20 15 59

eqEcbZ 270 0 133 39 1 75 248 81 71 96 248 11 9 2 22

;ksx 2481 246 357 594 13 188 519 1917 687 570 660 1917 185 193 186 564

35

2

okf��"kZd

fjiksVZ

AN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

mikca/ & VIII([k)

fofHkUu dsUnzksa esa vksecMlesu dk dk;Z fu"iknu31 ekp Z] 2003 dks lekIr gksus okyh vof/ esa fuiVkbZ xbZ f'kdk;rsa µ lk/kj.k chek




vgenkckn 316 2 74 38 40 24 178 20 38 120 178 18 28 92 138

Hkksiky 457 34 41 56 22 153 3 8 142 153 21 23 260 304

Hkqous'oj 262 108 26 54 19 207 28 44 135 207 17 25 13 55

paMhx<+ 173 5 30 40 33 33 141 31 66 44 141 7 10 15 32

pSUubZ 293 67 24 36 88 216 99 79 38 216 24 28 25 77

fnYyh 474 66 147 11 1 95 86 406 68 78 260 406 48 12 8 68

xqokgkVh 91 9 50 2 10 71 12 52 7 71 13 7 20

gSnjkckn 273 4 78 28 112 222 1 191 30 222 7 21 23 51

dksph 161 43 1 33 46 123 49 70 4 123 14 18 6 38

dksydÙkk 538 168 1 51 18 7 245 32 123 90 245 34 138 121 293

y[kuÅ 189 11 32 51 11 29 134 57 49 28 134 19 14 22 55

eqEcbZ 671 158 129 24 90 401 97 71 233 401 31 137 102 270

;ksx 3898 407 680 413 3 428 566 2497 497 869 1131 2497 253 461 687 1401

35

4

okf��"kZd

fjiksVZ

AN

NU

AL REPO

RT2

00

2-2

00

33

rd jh

mikca/ - VIII(x)

fofHkUu dsUnzksa esa vksecMlesu dk dk;Z fu"iknu31 ekp Z] 2003 dks lekIr gksus okyh vof/ esa fuiVkbZ xbZ f'kdk;rsa µ lk/kj.k {ks=k




vgenkckn 384 2 89 45 0 66 27 229 29 51 149 229 20 36 99 155

Hkksiky 692 34 14 135 0 94 30 307 5 47 255 307 32 46 307 385

Hkqous'oj 367 109 0 71 0 64 47 291 67 60 164 291 22 35 19 76

paMhx<+ 306 5 36 105 0 38 60 244 71 120 53 244 25 16 21 62

pSUubZ 581 0 70 31 0 55 322 478 335 105 38 478 32 43 28 103

fnYyh 814 178 217 13 5 105 102 620 82 123 415 620 103 51 40 194

xqokgkVh 179 34 99 1 2 0 16 152 31 106 15 152 18 9 0 27

gSnjkckn 410 4 116 3 0 56 145 324 46 239 39 324 27 31 28 86

dksph 223 0 53 3 0 54 70 180 73 103 4 180 15 22 6 43

dksydkÙkk 981 272 1 249 0 18 13 553 48 222 283 553 59 185 184 428

y[kuÅ 501 15 51 183 9 41 88 387 219 121 47 387 43 34 37 114

eqEcbZ 941 0 291 168 0 25 165 649 178 142 329 649 42 146 104 292

;ksx 6379 653 1037 1007 16 616 1085 4414 1184 1439 1791 4414 438 654 873 1965

356


3rd

jh

mikca/ - IXchek lykgdkj lfefr ds lnL;

rkjh[k 23 ebZ] 2000 dh vf/lwpuk ds vuqlkj fuEufy[kr lnL;ksa dks rkjh[k] 1 twu 2000 ls chek lykgdkj lfefr dk lnL;fu;qDr fd;k x;k %—

1- Jh oh-,p- O;kl] t;iqj

2- Jherh iq"ik fxfjekth] ubZ fnYyh

3- Jh ,-lh- eq[kthZ] dksydkrk

4- Jh oh-,l- fo'oukFk] ,iQ lh ,] ubZ fnYyh

5- Mkñ Mh-,u- cwjkxksbu] funs'kd] vkbZ vkbZ Vh xqokgkVh

6- Jh lh-,u-,l- 'kkL=kh] iqV~VkikFkhZ (vka/z izns'k)

7- Jh ,l-oh- eksuh] pSUubZ

8- vè;{k] ,y vkbZ lh vkWiQ bafM;k] eqEcbZ

9- vè;{k] th vkbZ lh

10- funs'kd] ,u vkbZ lh] iq.ks

11- funs'kd] vkbZ vkbZ ,e caxykSj

12- Jh ,l-ih- lqcsnkj] chekadd] eqEcbZ

13- Jh nhid nÙk] caxky psEcj vkWiQ dkWelZ] dksydkrk

14- Jherh byk HkV~V] lhbZMCY;w ,] vgenkckn

15- Jh oh- jkekuu] eqEcbZ

16- Jh iQyh iwapk] eqEcbZ

17- Jh lksfey esgrk] losZ{kd] eqEcbZ

18- Jh ,-oh- R;kxh] egklfpo] ,u ,iQ vkbZ ,iQ MCY;w] y[kuÅ

19- Jh tkWu dks'kh] vfHkdÙkkZ] dksphu

20- Jh Mh- o/Zjktu] vf/oDrk] ubZ fnYyh

21- funs'kd] dsUnzh; lM+d vuqla/ku laLFkku] iq.ks

22- midqyifr] iatkc Ñf"k fo'ofo|ky;] yqf/;kuk

23- Jh fy;kdr [kku] y[kuÅ

24- Jh ,-ds- osadVlqczkef.k;e] vkbZ,,l] lsokfuo`Ùk lfpo] miHkksDrk ekeys foHkkx] Hkkjr ljdkj

25- Jh oh-ds- Hklhu] la;qDr lfpo] fof/ ea=kky;] ubZ fnYyh

358


3rd

jh

mikca/ - X

chekdÙkkZvksa vkSj fofHkUu eè;ofrZ;ksa ds fy, iQhl lajpuk

izlaLdj.k jftLVªhdj.k uohdj.k iQhl vkof/diQhl iQhl uohdj.k

1 chekdÙkkZ (thou@ µ 50]000 #i, U;wure 50]000 #i, vkSj vf/dre izR;sd o"kZxSj&thou@iqu% chek) 5 djksM+ #i, ds v/hu jgrs gq, Hkkjr (31 ekpZ rd)

esa vafdr ldy izR;{k izhfe;e dsnlosa Hkkx dk 1 izfr'kr

2 rhljk i{kdkj 20]000 #i, 30]000 #i, 30]000 #i, 3 o"kZiz'kkld

3 nyky

izR;{k nyky µ 25]000 #i, U;wure 25]000 #i, vkSj vf/dre 3 o"kZ1]00]000 #i, ds v/hu jgrs gq,iwoZ o"kZ esa vftZr nykyh vkSj iQhlksa dk0-50 izfr'kr

iqu%chek nyky µ 75]000 #i, U;wure 75]000 #i, vkSj vf/dre 3 o"kZ3]00]000 #i, ds v/hu jgrs gq,iwoZ o"kZ esa vftZr nykyh vkSj iQhlksa dk0-50 izfr'kr

la;qDr nyky µ 1]25]000 #i, U;wure 1]25]000 #i, vkSj vf/dre 3 o"kZ5]00]000 #i, ds v/hu jgrs gq,iwoZ o"kZ esa vftZr nykyh vkSj iQhlksa dk0-50 izfr'kr

4 losZ{kd vkSj gkfu fu/kZjd

O;f"Vd izoxZ d µ 10]000 #i, izR;sd izoxZ ds fy, 200 #i, 5 o"kZ

[k µ 7]500 #i,

x µ 5]000 #i,

fuxe izoxZ d 25]000 izR;sd izoxZ ds fy, 200 #i, 5 o"kZ

[k µ 20]000

x µ 15]000

5 fuxe vfHkdrkZ µ fuxe chek 250 #i, 3 o"kZdk;kZikyd dsfy, 250 #i,fofufnZ"V O;fDr500 #i,

360


3rd

jh

mikca/ - XI

daifu;ksa dh lkE; 'ks;j iawth

(djksM+ #i, esa)

Ø- chekdÙkkZ dk uke 2001-02 2002-03 fons'kh Hkkjrh; ,iQMhvkbZla- ;ksx Hkkxhnkjh leizorZd (%)

Life Insurers

1. HDFC Standard Life Insurance Co. Ltd. 168.00 218.00 40.54 177.46 18.602. ICICI-Prudential Life Insurance Co. Ltd. 190.00 425.00 110.50 314.50 26.003. Max New York Life Insurance Co. Ltd. 250.00 255.00 66.30 188.70 26.004. Om Kotak Life Insurance Co. Ltd. 101.00 131.30 34.14 97.16 26.005. Birla Sun Life Insurance Co. Ltd. 150.00 180.00 46.80 133.20 26.006. TATA-AIG Life Insurance Co. Ltd. 185.00 185.00 48.10 136.90 26.007. SBI Life Insurance Co. Ltd. 125.00 125.00 32.50 92.50 26.008. ING Vysya Life Insurance Co. Ltd. 110.00 170.00 44.20 125.80 26.009. MetLife India Insurance Co. Ltd. 110.00 110.00 28.60 81.40 26.00

10. Allianz Bajaj Life Insurance Co. Ltd. 150.00 150.03 39.01 111.02 26.0011. AMP Sanmar 125.00 125.00 32.50 92.50 26.0012. AVIVA 154.80 40.25 114.55 26.00 Sub Total 1664.00 2229.13 563.43 1665.70 13. LIC 5.00 5.00 0.00 5.00

TOTAL (Life) 1669.00 2234.13 563.43 1670.70

Non-life insurers

1. Royal Sundaram Alliance Insurance 130.00 130.00 33.80 96.20 26.002. Reliance General Insurance Co. Ltd. 102.00 102.00 0.00 102.00 0.003. Bajaj Allianz General Insurance Co. 110.00 110.00 28.60 81.40 26.004. IFFCO-TOKIO General Insurance Co. 100.00 100.00 26.00 74.00 26.005. TATA-AIG General Insurance Co. Ltd. 125.00 125.00 32.50 92.50 26.006. ICICI Lombard General Insurance Co. 110.00 110.00 28.60 81.40 26.007. HDFC Chubb - 101.00 26.26 74.74 26.008. Cholamandalam MS 49.50 105.00 0.00 105.00

Sub Total 726.50 883.00 175.76 707.24 9. National Insurance Co. Ltd. 100.00 100.00 0.00 100.00

10. New India Assurance Co. Ltd. 100.00 100.00 0.00 100.00 11. United India Insurance Co. Ltd. 100.00 100.00 0.00 100.00 12. Oriental Insurance Co. Ltd. 100.00 100.00 0.00 100.00 Sub Total 400.00 400.00 0.00 400.00 13. ECGC 390.00 440.00 440.00

Total (Non-Life) 1516.501516.501516.501516.501516.50 1723.001723.001723.001723.001723.00 175.76175.76175.76175.76175.76 1547.241547.241547.241547.241547.24

Reinsurer

General Insurance Corporation 215.00 215.00 0.00 215.00

TOTAL 3400.50 4172.13 739.19 3432.94

thou chekdÙkkZ

,pMh,iQlh LVSaMMZ thou chek da-fy-vkbZlhvkbZlhvkbZ&izwMsaf'k;y thou chek da-fy-eSDl U;w;kdZ thou chek da-fy-vkse dksVd thou chek da-fy-fcjyk luykbZiQ thou chek da-fy-VkVk&,vkbth thou chek da-fy-,lchvkbZ thou chek da-fy-vkbZ,uth oS';k thou chek da-fy-esVykbZiQ Hkkjrh; thou chek da-fy-,yk,at ctkt thou chek da-fy-, ,e ih laekjvohokdqy ;ksx,y vkbZ lh

;ksx (thou)

xSj&thou chekdÙkkZ

jkW;y lqUnje ,yk,at chekjhyk,al lk/kj.k chek da-fy-ctkt ,yk,at lk/kj.k da-biQdks&Vksfd;ks lk/kj.k chek da-VkVk&,vkbZth lk/kj.k chek da-fy-vkbZlhvkbZlhvkbZ ykseckMZ lk/kj.k da-fy-,pMh,iQlh pcpksykeaMye ,e ,ldqy ;ksxus'kuy chek da- fy-U;w bafM;k ,';ksjsal da-fy-;wukbZfVM bafM;k bu';kjsal da-fy-vksfj,aVy bu';kjsal da-fy-dqy ;ksxbZlhthlh

;ksx (xSj&thou)

iqu%chekdÙkkZ

lk/kj.k chek fuxe

;ksx

362


3rd

jh

mikca/ - XII

,sls laLFkku ds C;kSj s] ftudh ikB~;p;kZ dks chek ikB~;Øeksa dks vuqeksfnr fd;k x;k gS

1. laLFkku dk uke@ voLFkku izR;k;u dh rkjh[k ikB~;Øe vof/

1- fcjyk baLVªhV;wV vkWiQ eSusteSaV 23 flracj] chek vkSj tksf[ke izca/ esa 1 o"kZVsDukWyksth] fnYyh 2002 LukrdksÙkj fMIyksek

2- t;iqfj;k baLVhV;wV vkWiQ eSusteSaV] 23 flracj] chek vkSj tksf[ke izca/ esa 1 o"kZy[kuÅ 2002 LukrdksÙkj fMIyksek

3- ,feVh Ldwy vkWiQ bu';ksjsal ,.M 23 flracj] chek esa LukrdksÙkj fMIyksek 1 o"kZ,Dpwfj;y lkbal] uks,Mk 2002

4- n baLVhV~;wV vkWiQ pkVZMZ 1 uoEcj] chek vkSj tksf[ke izca/ esa fMIyksek µvdkmVsaV~l vkWiQ bafM;k] fnYyh 2002

5- vky bafM;k esusteSaV ,lksfl,'ku] 28 tuojh] izca/ (chek izca/) esa LukrdksÙkj fMIyksek 2 o"kZfnYyh 2003

6- n rfeyukMq Mkñ vacsMdj ykW 13 ekpZ] lk/kj.k chek fof/;ksa vkSj O;ogkj esa µ;wfuoflZVh] pSUubZ 2003 LukrdksÙkj fMIyksek µ i=kkpkj dk;ZØe

7- ,f'k;k iSflfiQd baLVhV~;wV 28 vizSy] chek esa LukrdksÙkj fMIyksek 1 o"kZvkWiQ eSustesaV] fnYyh 2003

8- egkjk"Vª baLVhV~;wV vkWiQ VSDukWykth] 12 ebZ] chek vkSj tksf[ke izca/ esa LukrdksÙkj 1 o"kZiq.ks 2003 fMIyksek

9- baVjus'kuy baLVhV~;wV iQkj ba';ksjsal 14 ebZ] chek vkSj tksf[ke izca/ esa LukrdksÙkj 1 o"kZ,.M iQkbusal] gSnjkckn 2003 fMIyksek

10- ;wthlhbZµba';ksjsal baLVhV~;wV iQkWj 30 ebZ] chek dkjckj izca/ esa LukrdksÙkj 1 o"kZ,stwds'ku ,aM Vªsfuax] paMhx<+ 2003 fMIyksek

11- vkpk;Z baLVhV~;wV vkWiQ VSDukWykth 7 twu] chek izkS|ksfxdh esa LukrdksÙkj fMIyksek 1 o"kZdksydkrk 2003

mikca/ - XIII

o"kZ 2001-02 ds fy, izkfèkdj.k ds laijhf{kr ys[kk

366


3rd

jh

o"kZ 2001-02 ds fy, chek fofu;ked vkSj fodkl izkfèkdj.k ds ys[kksa iji`Fkd ys[kk&ijh{kk fjiksVZ

1- izkj afHkd

chek fofu;ked vkSj fodkl izkfèkdj.k dks rkjh[k 19 vizSy] 2000 dks] chek fofu;ked vkSj fodkl izkfèkdj.kvfèkfu;e] 1999 ds vèkhu LFkkfir fd;k x;k Fkk vkSj bldk eq[;ky; ubZ fnYyh esa FkkA izkfèkdj.k ds eq[;ky; dksfnlEcj] 2001 esa gSnjkckn LFkkukarfjr fd;k x;k FkkA izkfèkdj.k ds ys[kksa dh ys[kk&ijh{kk dks fu;a=kd egkys[kkijh{kd(dÙkZO;] 'kfDr;ka vkSj lsok 'krs±) vfèkfu;e] 1971 dh èkkjk 19(2) ds vèkhu egkys[kkijh{kd dks lkSaik x;k FkkAizkfèkdj.k esa ewyr% ,d vè;{k] ikap iw.kZdkfyd lnL; vkSj pkj va'kdkfyd lnL; lfEefyr gksrs gSaA bl le;izkfèkdj.k esa ,d vè;{k] nks iw.kZdkfyd vkSj pkj va'kdkfyd lnL; gSaA ,d chek lykgdkj lfefr] izkfèkdj.k dks]blds fØ;kdykiksa ds leqfpr fuoZgu ds fy, blds fu;e vkSj fofu;e cukus esa lgk;rk djrh gSA izkfèkdj.k dh eq[;'kfDr;ka vkSj d`R; fuEukuqlkj gSa %µ

● ikfylhèkkjdksa ds fgrksa dh laj{kk vkSj muds izfr leqfpr O;ogkj lqfuf'pr djuk_

● lkekU; O;fDr ds iQk;ns ds fy, vkSj vFkZO;oLFkk ds fodkl esa rst+h ykus ds fy, nh?kZdkfyd fufèk;ka miyCèkdjkus gsrq chek m|ksx esa (ftlesa okf"kZdh vkSj vfèkof"kZrk lank; Hkh lfEefyr gSa) 'kh?kz vkSj lqpk: :i ls o`f¼djuk_

● mu fudk;ksa dks] ftUgsa ;g fofu;fer djrk gS] LFkkfir djuk] mudk laoèkZu vkSj mUgsa ekfuVj djuk rFkk muesalR;fu"Bk] foÙkh; :i ls lqn<+rk] fu"i{krk vkSj l{kerk ds mPp ekud lqfuf'pr djuk_

● ;g lqfuf'pr djuk fd chek xzkgdksa dks mRiknksa vkSj lsokvksa ds lacaèk esa lVhd] Li"V vkSj lgh tkudkjh izkIrgks rFkk mUgsa bl lacaèk esa muds mÙkjnkf;Roksa vkSj dÙkZO;ksa ds izfr tkx:d cukuk_

● chek diVksa vkSj vU; dnkpkjksa dks jksdus ds fy, okLrfod nkoksa dk 'kh?kz lekèkku lqfuf'pr djuk vkSj izHkkohf'kdk;r fuokj.k ra=k dh LFkkiuk djuk_

● chek ls lacafèkr foÙkh; cktkjksa esa bZekunkjh] ikjnf'kZrk vkSj lqpk: lapkyu dk laoèkZu djuk vkSj cktkj esa dk;Zdjus okyksa ds chp foÙkh; lqn<+rk ds mPp ekud izofrZr djuk_

● mu ekeyksa esa dkjZokbZ djuk tgka ,sls ekud vi;kZIr gSa ;k izHkkoh :i ls izorZu esa ugha gSa_

● m|ksx ds fnu&izfrfnu ds dk;Zdj.k esa foosdiw.kZ fofu;eksa dh vis{kkvksa ls lqlaxr Js"B Lo% fofu;eu dks c<+koknsukA

2- izkfIr;ksa ds lzksr

o"kZ 2001&02 ds nkSjku izkfèkdj.k dh izkfIr;ka 42-17 djksM+ #i;s Fkh] tcfd bldk O;; 5-89 djksM+ #i, FkkA izkfIr;ksa dklzksr eq[;r% Hkkjr esa dk;Z dj jgh fofHkUu chek daifu;ksa ls] muds jftLVªhdj.k ds fy, izkIr iQhlsa vkSj uohdj.k izHkkj FksA

3- fufèk;ka

izkfèkdj.k dh fufèk;ka] ea=kky; dh mu fufèk;ksa ds C;kt mn~Hkwr u gksus okyh fufèk;ksa ds :i esa Hkkjr ds yksd ys[kk esaj[ks tkus ds funs'kksa ds ckotwn Lo;a blds }kjk èkkfjr dh tk jgh gSaA 31 ekpZ] 2002 dks izkfèkdj.k viuh 57-42 djksM+#i, dh fufèk;ksa dks cSad vkSj vU; foÙkh; laLFkkvksa ds C;kt nsus okys fu{ksiksa esa j[ks gq, gSA

368


3rd

jh

4- ys[kkvksa ij fVIif.k;ka

4-1 pkyw vkfLr;ksa] ½.k vkSj vfxzeksa ds fooj.k ds vèkhu

pkyw vkfLr;ka] ½.k vkSj vfxze % 20]031]959

blesa 20]00]000 #i, dh og jkf'k lfEefyr ugha gS] ftls eSllZ vkaèkz izns'k vkS|ksfxd fodkl fuxe fyfeVsM dksrkjh[k 08@03@2002 ds pSd lañ 308126 (,p Mh ,iQ lh ys[kk&U;w 435) vfxzeksa ds :i esa lanÙk fd;k x;k FkkA;g jkf'k chñfoñfoñizkñ ds gSnjkckn fLFkr dk;kZy; ds uohdj.k ds fy, nh xbZ FkhA pwafd ;g jkf'k ,d ,sls vfxzeds :i esa Fkh]tks udn ;k oLrq :i esa olwyuh; izdfr dh Fkh] vr% bls rqyu&i=k esa nf'kZr fd;k tkuk visf{kr FkkAizkfèkdj.k us bl jkf'k dks LFkkiu O;;&Hkouksa vkSj ifjljksa dh ejEer vkSj vuqj{k.k ds :i esa minf'kZr djrs gq, vk;vkSj O;; ys[kk esa izHkkfjr fd;k gSA bl izdkj izkfèkdj.k dh vk; vkSj pkyw vkfLr;ksa nksuksa esa 20]00]000 #i, defn[kk, x, gSaA izkfèkdj.k us vius mÙkj esa ;g dFku fd;k Fkk fd 20 yk[k #i, dh jkf'k dks uohdj.k dk;Z ds fy,pkyw lank;ksa ds :i esa tkjh fd;k x;k Fkk] ftls vfxze lank; ds :i esa ekuk tkrk gSA izkfèkdj.k dk mÙkj Lohdk;Zugha gS D;ksafd izkfèkdj.k ds lHkh fVIi.k vkSj i=k&O;ogkj lank; dks Li"V :i ls vfxze ds :i esa fofgr djrs gSaA(dk;Z lekfIr izek.ki=k us ;g nf'kZr fd;k fd vkaèkz izns'k vkS|ksfxd fodkl fuxe us bls dk;Z dk eki fjdkMZ fd,fcuk tkjh fd;k x;k gS)

4-2 pkyw nkf;Roksa vkSj micaèkksa dks fooj.k esa de crk;k tkuk

pkyw nkf;Ro vkSj micaèk % 12]92]305 #i,

(1) blesa 23-6 yk[k #i, ds ,sls osru ds fy, micaèk lfEefyr ugha gSa] ftldh Hkkjrh; thou chek fuxe usvius rkjh[k 12@02@2002] 13@09@2002] 23@09@2002 vkSj 5@11@2002 ds i=kksa }kjk ekax dh Fkh vkSj ftlsthou chek fuxe ds ml deZpkfjo`an dks lank; fd;k tkuk Fkk] tks dk;Z&O;oLFkk ds vkèkkj ij chñfoñfoñizkñds fy, dk;Z dj jgk FkkA Li"Vr;k ;g jkf'k 2001&2002 dh vofèk ls lacafèkr gS] ftlds fy, izkfèkdj.kds ys[kkvksa esa dksbZ micaèk ugha fd;k x;k gSA vr% O;; vkSj lkFk gh nkf;Roksa dks ml jkf'k dh lhek rdde fn[kk;k x;k gSA

izkfèkdj.k us vius mÙkj esa ;g dFku fd;k Fkk fd ;fn mudk iwoZ fu;kstd ml vofèk ds fy,] ftlds nkSjkuos dk;Z O;oLFkk ds vkèkkj ij izkfèkdj.k esa dk;Z dj jgs gks] ekax djrk gS rks mUgsa muds in&èkkj.k fd,tkus dh rkjh[k ls osru vkSj vU; iQk;nksa ds lank; ds fy, micaèk djsxkA

(2) ys[kkvksa esa thou chek fuxe }kjk chñfoñfoñizkñ dh vksj ls Ø; fd, x, 2-93 yk[k #i, ds ilZuy daI;wVjksads] ftuds fy, thou chek fuxe dks 25 tqykbZ] 2002 dks lank; tkjh fd;k x;k Fkk] ewY; ds fy, dksbZmicaèk ugha fd;k x;k FkkA vr% pkyw nkf;Roksa vkSj micaèkksa dks ml lhek rd de fn[kk;k x;k gSA

4-3 37-40 yk[k #i, ds fuos'kksa dk Bhd :i ls izLrqr u fd;k tkuk vkSj fuos'kksa ij 2-25 yk[k #i, ds C;ktdk vfèkd ys[kk fn;k tkukA

chek fofu;ked vkSj fodkl izkfèkdj.k us 31 ekpZ] 2001 rd Hkkjrh; vksojlht+ cSad vkSj ,p Mh ,iQ lh cSad esalkofèk fu{ksi ds :i esa 5742-28 yk[k #i, dk fuos'k fd;k gSA lkofèk fu{ksiksa ds izek.ki=k vkSj fu{ksiksa ds lesfdrfooj.k dh laoh{kk ls ;g irk pyk fd fu{ksiksa dh Hkqxrku&jkf'k dks 6607-59 yk[k ds LFkku ij 6644-99 yk[k j[kkx;k gS] ftlds ifj.kkeLo:i nksuksa ds chp 37-40 yk[k #i, dk varj gSA blh izdkj mikftZr C;kt dks ys[kk esa188-75 yk[k #i, ds LFkku ij 191-00 yk[k #i, j[kk x;k gSA vr% rqyu&i=k esa 1-25 yk[k #i, dk vfèkd C;ktnf'kZr fd;k x;k Fkk] ftlds ifj.kkeLo:i vk; ds fooj.k esa 2-25 yk[k #i, vfèkd fn[kk, x, gSaA fu{ksiksa vkSj C;ktds C;kSjs ^mikcaèk 1* ds :i esa layXu gSaA

370


3rd

jh

izkfèkdj.k us ys[kk&ijh{kk lacaèkh laizs{k.kksa dks Lohdkj dj fy;k Fkk vkSj ;g dFku fd;k Fkk fd 2002&2003 dsys[kkvksa esa vko';d la'kksèku dj fn, tk,axsA fu{ksiksa ij izksnHkwr@okLrfod C;kt dks laxr cuk;k tk, vkSjys[kk&ijh{kd dks lalwfpr djrs gq, ys[kkvksa esa la'kksèku@lek;kstu fd, tk,aA

4-4 vkfLr;ksa ds jftLVj vkSj rqyu&i=k esa varj

31 ekpZ] 2002 dks ;Fkkfo|eku vkfLr;ksa ds jftLVj vkSj rqyu&i=k dh laoh{kk ls ;g irk pyk fd nksuksa esa1-48 yk[k dk varj Fkk] ftls Bhd ugha fd;k x;k FkkA

izkfèkdj.k us vius mÙkj esa ;g dFku fd;k fd ;g ekuk x;k Fkk fd miHkksT; vkSj u'ojenksa dks csdkj eky jftLVjesa lfEefyr fd;k x;k FkkA ,slh enksa ds] mudh ykxr ls lacafèkr C;kSjksa dks iwoZ o"kZ ds vfHkys[kksa esa ls fudkyfn;k tk,xk vkSj varj dks Bhd djus ds fy, bu enksa dks csdkj eky jftLVj ls gVk fn;k tk,xkA

4-5 vkfLr;ksa dks lR;kfir u fd;k tkuk

izkfèkdj.k ds ikl 31 ekpZ] 2002 dks ;Fkk fo|eku rqyu&i=k ds vuqlkj 28]33]511-06 #i, ds ewY; dh fu;rvkfLr;ka Fkh] ftuds C;kSjs mikcaèk&1 esa minf'kZr fd, x, FksA bl lacaèk esa fuEufyf[kr fVIif.k;ka dh xbZ gSa %

1- fu;r vkfLr;ksa ds jftLVj esa izfo"V dh xbZ lHkh vkfLr;ksa ds ewY;ksa dk mrjksÙkj ;ksx] lkèkkj.k foÙkh; fu;eksads fu;e 151(4)(d) ds vuqlkj ugha fd;k x;k FkkA

2- ckfYV;ksa] vfHkys[kksa dks LFkkukarfjr djus ds fy, Ø; fd, x, fMCcksa] nhokj ?kfM+;ksa] Økdjh] xSl pwYgsa vkfntSls miHkksT; oLrqvksa dks Hkh vkfLr;ksa ds jftLVj esa lfEefyr fd;k x;k FkkA izkfèkdj.k us ,slh oLrqvksa dhlwfp;ksa dks fofgr jftLVj esa ugha j[kk FkkA

vkfLr;ksa ds jftLVj dks] ys[kk&ijh{kd dks lalwfpr djds] mi;qZDr laizs{k.k ds vuqlkj iqu% cuk;k tk,A

LFkku % ubZ fnYyh g@ &rkjh[k % 18-7-2003 ys[kk ijh{kk egkfuns'kd

dsUæh; jktLo

372


3rd

jh

ys[kk&ijh{kk izek.ki=k

eSaus] chek fofu;ked vkSj fodkl izkf/dj.k] gSnjkckn ds 31 ekpZ] 2002 dks lekIr

gq, o"kZ ds izkfIr vkSj lank; ys[kk rFkk vk; vkSj O;; ys[kk vkSj rkjh[k 31 ekpZ]

2002 dks ;Fkk fo|eku rqyu&i=k dh tkap dh gSA eSaus ,slh lHkh tkudkfj;ka vkSj

Li"Vhdj.k izkIr dj fy, gSa] ftudh eq>s vko';drk Fkh vkSj layXu ys[kk&ijh{kk

fjiksVZ esa fd, x, laizs{k.kksa ds v/hu jgrs gq,] viuh ys[kk ijh{kk ds ifj.kkeLo:i

eSa ;g izekf.kr djrk gwa fd esjh jk; esa bu ys[kkvksa vkSj rqyu&i=k dks bl izdkj

leqfpr :i ls rS;kj fd;k x;k gS ftlls fd os] esjh loksZÙke tkudkjh vkSj eq>s fn,

x, Li"Vhdj.kksa rFkk eq>s fn[kkbZ xbZ laxBu dh cfg;ksa ds vuqlkj chek fofu;ked

vkSj fodkl izkf/dj.k] gSnjkckn dk lR; vkSj lgh ys[kk izLrqr djrs gSaA

g@ &

LFkku % ubZ fnYyh ys[kk&ijh{kk egkfuns'kd

rkjh[k % 18.7.2003 dsUæh; jktLo

37

4

okf��"kZd

fjiksVZ

AN

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33

rd jhiz:i dchek fofu;ked vkSj fodkl izkf/kdj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/kdj.k fuf/k ys[kk

31 ekpZ 2002 dks ;Fkk fo|eku rqyu&i=

iwoZ o"kZ ds vkadM+s nkf;Ro pkyw o"kZ ds vkadM+s iwo Z o"kZ ds vkadM+s vkfLr;ka p kyw o"kZ ds vkadM+s(# ñ) (# ñ) (# ñ) (# ñ)

lk/kkj.k fuf/k fu;r vkfLr;ka ¼fVIi.k 1 nsf[k,½(i) ch-fo-fo-izk- fuf/k ¼fVIi.k 4 ns[ksa½ 2]269]754-68 & ldy Cykd 4]642]112-68

& o"kZ ds izkjaHk ij & 697]331-62 & ?kVkb, % vo{ke.k 1]808]601-62893]243-68 & o"kZ dh izkfIr;ka 893]243-68 1]572]423-06 & 'kq) Cykd 2]833]511-06893]243-68 & o"kZ ds var esa vfr'ks"k 893]243-68 & & dk;Z&izxfr iwath &

(ii) iwath fuf/k fofu/kku ¼fVIi.k 2 ns[ksa½& iwath vuqnku & ¼ykxr ij&ewY;kadu dh i)fr½& o"kZ ds izkjaHk ij vfr'ks"k & & (i) dsUæh; vkSj jkT; ljdkj dh izfrHkwfr;ka && tksfM+, % o"kZ ds nkSjku vuqnku ds :i esa izkIr fLFkj vkfLr;ksa dk ewY; & & (ii) ;wfuVsa &

(iii) vf/k'ks"k vkSj fuf/k;ka 204]766]622-00 (iii) cSad ds ikl lkof/k fu{ksi ¼ftuds vUrxZr cuk, 574]227]907-78& fiNys rqyu&i= ds vuqlkj vfr'ks"k 12]478]206-44 tkus okys deZpkjh Hkfo"; fuf/k U;kl dk /ku Hkh gS½tksfM+, % mikca/k vk; vkSj O;; ys[kk ds vuqlkj O;; ds Åij & (iv) vU; &

12]478]206-44 vk; dk vkf/kD; 336]916]567-87 pkyw vkfLr;ka ¼fVIi.k 3 ns[ksa½?kVkb, % mikca/k vk; vkSj O;; ys[kk ds vuqlkj vk; ds Åij & 31]500-00 (i) vfHkdj.kksa ds ikl fu{ksi 57]840-00

O;; dk vkf/kD; & 1]335]759-50 (ii) deZpkfjoan dks _.k vkSj vfxze 2]021]953-8812]478]206-44 & o"kZ ds vUr esa vfr'ks"k 349]394]774-31 (iii) chek daifu;ksa vkSj vU;ksa ls 'kks/; jk'k 573]298-00

(iv) nku vkSj lanku & 266]192-88 (iv) vU; pkyw vkfLr;ka 20]031]959-00(v) vU; vfr'ks"k & (v) udn vkSj cSad vfr'ks"km/kkj 15]000-00 d- gkFk udnh 18]998-00(i) izfrHkwr ¼bl iz;kstu ds fy, nh xbZ izfrHkwfr dk mYys[k djsa½ & 12]190]515-18 [k- cSad vfr'ks"k 5]558]629-27(ii) vizfrHkwr &(iii) Hkkjr ljdkj ls m/kkj &(iv) vU; m/kkj &pkyw nkf;Ro vkSj mikca/k ¼fVIi.k 5 ns[ksa½(i) fofo/k ysunkj %

& iwath enksa ds fy, &18]962]541-00 & vU; enksa ds fy, ¼blesa uohdj.k Qhl esa deh ds dkj.k 98]205]957-00

izfrns; 89]641]595 #- lfEefyr gSa½(ii) mica/k

& lansgkLin m/kkjksa vkSj vfxzeksa ds fy, mica/k 229]485-00& fuos'kksa ds ewY; esa deh ds fy, mica/k &

376


3rd

jh

chek fofu;

ked v

kSj fod

kl i

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ubZ fnY

yh

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ked v

kSj fod

kl i

zkf/dj.k fuf/ y

s[kk

31 e

kpZ]

2001 d

ks ;F

kkfo|

eku

vlaifjf{kr

rqyu&

i=k

iwoZ o

"kZ ds

vkfL

r;ka

pky

w o"kZ

ds

vkad

Ms

vkad

Ms

(#i,

)(#

i,)

226,4

99,9

90.1

2605,3

24,0

96.9

9

gñ@&

gñ@&

gñ@&

gñ@&

vkj-d

s- 'kekZ

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kpkjh

vkj-lh-

'kekZ

ih-,- lqczãf.;e

eq[;

ys[kk vf/dkjh

vè;{k

lnL;

lnL;

iwoZ o

"kZ ds

nkf;Ro

pky

w o"kZ

ds

vkad

Ms

vkad

Ms

(#i,

)(#

i,)

orZeku

nkf;Ro

[fVIi.k 5

ns[ks ]

i)fofo/

½.knkrk %

-iwath en

ksa ds fy,

-

18,9

62,5

41.0

0-v

U; e

nksa d

s fy,

[bld

s varZx

r98,2

05,9

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hdj.k iQhl e

sa ifjo

rZu d

s8

9,6

41

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5 #ñ izfrl

ans; jkf'k Hkh g

S ]

ii)izko/

ku%

-- lansg

kLin

vkSj

vfxzeksa d

s fy,

izko/

ku229,4

85.0

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kksa ds e

wY;ksa esa

deh d

s fy,

izko/

ku-

-iii

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:-

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vuqn

kuksa

-

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dks lans;

C;kt@

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kfuo`fÙk

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vU;

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91

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) Hkfo";

fuf/

764,5

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([k) vU; d

Y;k.k fuf/;ka

--

(x) lso

kfuo`fÙk

iQk;nk fuf/

vkSj

deZp

kjhiQk;nk fuf/ :

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fofufnZ"V d

jsa)4,9

87,5

36.0

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1,2

92,3

05.0

0189,0

87,4

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esa izkIr jftLVªhd

j.k

154,5

43,7

80.0

0 u

ohdj.k iQhl

-- lkWÝV

iQfu

Zf'kax o

lwyh

226,4

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9

fVIi.k %

1.

fu;r

vkfLr;

ksa ls

lacaf/r

tkudkjh m

ikca/

1 e

sa nh xbZ g

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fofu/kuksa l

s lacaf/r

tkudkjh m

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2 e

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aSA3.

pkyw v

kfLr;

ksa] mèkkjksa vkSj

vfxzeksa l

s lacaf/r

tkudkjh m

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3 e

sa fn,

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gSA4.

chñfo

ñfoñizkñ

dh fuf/;ksa d

s C;kSjs mi

kca/

4 esa

fn,

tk,axs

(fuf/;

ksa ds v

arxZr

dsUnzh; l

jdkj] v

U; l

axBuksa v

kSj fudk;ksa ls] v

f/fu;e

dh /kjk

16 d

s vuql

j.k esa

izkIr v

uqnkuksa dks lfEefyr

fd;k t

kuk gSA)

5.

lfEefyr

nkf;Roksa ds C;kSjs mi

kca/

5 e

sa fn,

x,

gSaA6.

egÙoiw.kZ ys[kk uhfr;ksa v

kSj fVIi.kksa ls] t

ks ys[kkvksa ds Hkkx g

Sa] lauc

af/r

tkudkjh m

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9 e

sa nh xb± g

SA7.

dk;Zdykiksa ds foo

j.k ds l

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vkSj

ys[kk dh Hkkx

:i

ys[kk uhfr l

s lacaf/r

fVIi.kksa@tkudkjhA

egRoiw.

kZ ys[kk uhfr;ksa v

kSj fVIi.

k] tks ys[kkv

ksa dk Hkkx g

Sa & m

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378


3rd

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31 e

kpZ 2

002 d

ks lekIr g

q, o"kZ ds fy,

vk; v

kSj O;;

ys[kk

iwoZ o

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pky

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ds

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M+s

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(#-)

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1,3

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kfjoÙn ds l

nL;ksa d

ks lank;

vkSj

6,0

36,2

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ds fy,

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(fVIi.k 1 n

s[ksa)

13,3

26,8

83.9

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O;;

(fVIi.

k 2

ns[ksa)

21,6

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97.7

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jk;k

8,6

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a/ku

vkSj

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lkeu

s ns[ksa)

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fVIi.k 3 n

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k;.k

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cV~Vs

[kkrs M

kyh xbZ i

wath vkfLr;

ka -

vkfLr;

ksa ds c

V~Vs [

kkrs M

kyus

ls gkfu

--

'kadkLi

n ½.kksa vkSj

vfxzeksa d

s fy,

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229,4

85.0

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40,3

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ys t

k, x

, O;;

ds Å

ij336,9

16,5

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7vk; d

k vkf/

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52,9

19,6

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63

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pky

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M+s

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(#-)

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lgk;rk v

uqnku %

15,0

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-izkIr

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kb, % i

wath fuf/ d

ks varfjr

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jftLVªhd

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33,7

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234,5

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29,4

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j C;kt

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kksa ij C;kt

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vfxzeksa i

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xg fue

kZ.k iz;

kstuksa d

s fy,

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ds l

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ks izn

Ùk

1

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kfjoàn

ds l

nL;ksa d

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s fy,

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2

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iii)

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h.kZ vk;

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O;;

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u&i=k esa

varfoZ"V gS

52

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g-@&

g-@&

g-@&

g-@&

vkj-ds- 'kekZ

,u- jaxkpkjh

vkj- l

h- 'kekZ

,p-v

ks- lksfux

eq[;

ys[kk vf/dkjh

vè;{k

lnL;

lnL;

fVIi.k %

1.

deZp

kfj;ksa d

ks lank;

vkSj

mlls

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lwpuk m

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6 e

sa nh xbZ g

SA2.

LFkkiu

O;;ksa l

s lacaf/r

lwpuk m

ikca/

2 e

sa nh xbZ g

SA3.

C;kt d

h jkf'k l

s lacaf/r

lwpuk m

ikca/

7 e

sa nh xbZ g

SA4.

vk; v

kSj O;;

ys[kk ds l

Hkh m

ikca/

ksa rFkk ys[kk dk Hkkx

okys fVIi.k vkSj

eq[;

ys[kk uhfr;kaA

eq[;

ys[kk uhfr;ka v

kSj y

s[kk dk Hkkx c

uus o

kys fVIi.

k&mi

kca/ 9

38

0

okf��"kZd

fjiksVZ

AN

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RT2

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2-2

00

33

rd jh

iz:i xchek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/ ys[kk

31 ekp Z] 2001 dks lekIr gqbZ vof/ dh izkfIr;ksa vkSj lank;ksa dk ys[kk

Ø-la- izkfIr;ka jde (#-) Ø-la- lank; jde (#-)

1 vfr'ks"k esa vxzuhri) cSad esa udn 12,190,515.18

ii) ikl esa udn 15,000.00

iii) ikl esa pSd -

iv) vfHkogu esa udn@pSd -

2 jftLVªhdj.k Qhl-chek daifu;ka 300,000.00

-chek Vh ih , 520,000.00

-chek losZ{kd -

-chek vfHkdrkZ 120,042,916.90

-vU;3 jftLVªhdj.k uohdj.k Qhl dh

-chek daifu;ka 287,273,518.00

-Vh ih , 420,000.00

-chek losZ{kd 717,487.00

-chek vfHkdrkZ -

-vU; -

4 chekdrkZvksa vkSj e/;ofrZ;ksa ls 'kkfLr;ksa] tqekZuksa dh -

5 laxksf"B;ka] lEesyu vkfn -

6 fuos'kksa ls vk; dh -

7 fuos'kksa ds foØ; ls -

8 fuEufyf[kr ls vuqnkuksa dhi) dsUæh; ljdkj@jkT; ljdkj@vU; -

ii) migkj vkSj lanku -

9 _.kksa dh 579,884.00

10 izdk'kuksa vkfn ds foØ; dh -

11 vkfLr;ksa ds foØ; dh -

12 fuEufyf[kr ij izkIr C;kt dh-fu{ksiksa 11,478,804.14

-vfxzeksa -

-vU; -

13 deZpkfj;ksa ls olwfy;ksa dh¼d½ _.k vkSj vfxze 138,722.00

¼[k½ _.kksa vkSj vfxzeksa ij C;kt -

¼x½ izdh.kZ -

14 vU; izkfIr;ka 220,383.00

433,897,230.22

1 vuqla/kku vkSj ijke'kZ Qhl -

2 laxksf"B;ka] lEesyu] izdk'ku vkfn -

3 fdjk;k lank; 27,095,405.00

4 fodkl O;; -

5 lao/kZukRed O;; -

6 v/;{k vkSj lnL;ksa dks lank;(i) osru vkSj HkÙks 1,817,631.00

(ii) vU; Qk;ns 174,299.00

(iii) ;k=k O;; 4,110,687.00

7 LFkkiu O;;(i) osru vkSj HkÙks 5,002,762.00

(ii) vU; Qk;ns 178,012.00

(iii) ;k=k O;; 5,433,106.00

(iv) lsokfuo`fÙk Qk;ns 229,853.00

8 dk;kZy; O;; 9,866,324.27

9 fuEufyf[kr ij C;kt(i) ljdkjh _.k -

(ii) vU; _.k -

10 vkfLr;ksa ds Øe 2,372,357.68

11 iwath pkyw ladeZ 565,800.00

12 ;k=k vfxze lfgr deZpkfjoan vkSjvU;ksa dks vfxze 1,971,690.00

13 fuos'k ¼blesa cuk, tkus okys Hkfo"; fuf/k U;kl dhvksj ls fd, x, lkof/k fu{ksi lfEefyr gSa½ 369,461,286.00

14 ljdkjh _.kksa ds izfrnk; -

15 vU; _.kksa dk izfrnk; -

16 vU; O;; 40,390.00

vxzuhr vfr'ks"ki) cSad esa udnh 5,558,629.27

ii) ikl esa udnh 18,998.00

iii) ikl esa pSd -

iv) vfHkogu esa udnh@pSd -

433,897,230.22

g-@& g-@& g-@& g-@&vkj-ds- 'kekZ ,u- jaxkpkjh vkj- lh- 'kekZ ,p-vks- lksfux

eq[; ys[kk vf/dkjh vè;{k lnL; lnL;

382


3rd

jh

mikca/

- I

chek fofu;

ked v

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kl i

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ubZ fnY

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s[kk

31 e

kpZ]

2002 d

ks ;F

kk fo|eku

rqyu&

i=k ls l

ayXu v

kSj Hkkx

cukus

okyh

fu;r

vkfL

r vuql

wph

ldy Cykd

voe

wY;u

'kq¼ Cykd

1.0

4.2

001

o"kZ ds n

kSjku

o"kZ ds n

kSjku

31.0

3.2

002

1.0

4.2

001

o"kZ ds

lek;kstu

31.0

3.2

002

31.0

3.2

002

31.0

3.2

001

fof'k"V

;ka

dks ykxr

ifjo

/Zu **** *

foØ;@

dks

dks

fy,

rddks

dks

O;;fur

dk;kZy;

ifjl

j(d

)Hkwfe

- -

- -

- -

- -

- -

([k)

Hkou

- -

- -

- -

- -

- -

vkoklh; IykWV

(d)

Hkwfe

- -

- -

- -

- -

- -

([k)

Hkou

- -

- -

- -

- -

- -

okgu

194,3

44.0

0 -

- 1

94,3

43.6

8 5

0,3

15.5

8 3

7,2

89.0

0 -

87,6

04.5

8 1

06,7

39.1

0 1

44,0

28.1

0

miLd

j710,0

81.0

0 7

09,2

12.0

0 -

1,4

19,2

93.0

5 2

16,3

45.5

9 1

05,1

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4 -

321,5

36.4

3 1

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56.6

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6

iQuhZpj vkSj

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j 3

40,7

83.0

0 1

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351,9

11.9

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151,7

63.9

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47.9

7 2

43,3

43.5

5

dEI;wV

j 1

,024,5

47.0

0 1

,652,0

17.0

0 -

2,6

76,5

64.0

0 3

33,2

31.0

5 9

14,4

65.8

1 -

1,2

47,6

96.8

6 1

,428,8

67.1

4 6

91,3

15.9

5

;ksx

2,2

69

,75

5.0

0 2

,372

,358

.00

- 4

,642

,112

.68

697

,331

.62

1,1

11,2

70.2

3 -

1,8

08,6

01.8

52

,83

3,5

10

.83

1,5

72

,42

3.0

6

384


3rd

jh

mikca/ - II

chek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/

31 ekp Z] 2002 dks ;Fkk fo|eku rqyu&i=k ls layXu vkSj Hkkx cuus okys fuos'k

1 vuqlwfpr cSadksa esa lkof/ fu{ksi

cSad dk uke rkjh[k jkf'k C;kt vof/ Hkqxrku dh izkIr izksn~Hkwrdh nj rkjh[k C;kt C;kt

Hkkjrh; 7-fnl--01 300,000 8.25% 1096 7-fnl--04 8654vksojlht+ 26-fnl--01 50,000,000 8.50% 1096 26-fnl--04 1243924cSad 27-fnl--01 44,000,000 8.50% 1096 27-fnl--04 1083130

1-tu--02 50,000,000 8.50% 1096 1-tu--05 11653601-tu--02 50,000 8.25% 1096 1-tu--05 11271-tu--02 3,968,102 8.25% 1096 1-tu--05 89450

29-fnl--01 42,357,557 8.50% 1096 29-fnl--04 10205149-tu--02 326,807 8.25% 1096 9-tu--05 6705

24-tu--02 325,260 8.25% 1096 24-tu--05 230654

191,327,726 4,849,518

3-vDrw--01 193,252,278 8.50% 365 3-vDrw--02 83161442-vDrw--01 10,100,274 8.50% 365 2-vDrw--02 4370692-vDrw--01 10,100,274 8.50% 365 2-vDrw--02 4370692-vDrw--01 10,100,274 8.50% 365 2-vDrw--02 437069

12-vDrw--01 4,485,596 8.00% 365 12-vDrw--02 17221628-fnl--01 48,821,875 8.00% 365 28-fnl--02 1025417

276,860,571 10,824,984

,pMh,iQlh 1-ekpZ-02 1,235,347.50 8.00% 185 2-flr--02 8,206

2-uo--01 350,000.00 8.00% 182 3-ebZ-02 11,545

25-vDrw--01 11,300,000.00 8.00% 183 26-vizSy-02 1,285,469

7-uo--01 50,000.00 8.00% 182 8-ebZ-02 1,594

7-uo--01 500,000.00 8.00% 183 9-ebZ-02 15,853

13-uo--01 5,350,000.00 8.00% 182 14-ebZ-02 163,450

27-uo--01 50,000.00 8.00% 182 28-ebZ-02 1,373

4-fnl--01 800,000.00 8.00% 183 5-twu-02 20,723

29-uo--01 5,000,000.00 8.00% 182 30-ebZ-02 135,061

14-fnl--01 500,000.00 8.00% 183 15-twu-02 11,845

15-fnl--01 5,000,000.00 8.00% 183 16-twu-02 117,342

19-fnl--01 300,000.00 8.00% 183 20-twu-02 6,775

26-fnl--01 50,000.00 8.00% 183 27-twu-02 1,052

12-tu--02 400,000.00 8.00% 182 13-tqykbZ-02 6,907

15-tu--02 500,000.00 8.00% 182 16-tqykbZ-02 8,302

16-tu--02 5,000,000.00 8.00% 182 17-tqykbZ-02 81,914

24-tu--02 125,000.00 8.00% 182 25-tqykbZ-02 1,826

30-tu--01 5,000,000.00 8.00% 182 31-tqykbZ-02 66,416

6-iQj--02 250,000.00 8.00% 182 7-vx--02 2,933

8-iQj--02 300,000.00 8.00% 182 9-vx--02 3,38714-iQj--02 250,000.00 8.00% 182 15-vx--02 2,491

pkyw o"kZ ds iwoZ o"kZ dsfy, vkadM+s fy, vkadM+s

#i, #i,

574,227,907.98 204766622.00

Ø-la- fof'kf"V;ka

386


3rd

jh

18-iQj--02 5,000,000.00 8.00% 182 19-vx--02 46,8171-ekpZ-02 5,000,000.00 8.00% 185 2-flr--02 33,214

28-iQj--02 200,000.00 8.00% 185 1-flr--02 1,37313-ekpZ-02 5,000,000.00 8.00% 185 14-flr--02 19,92811-ekpZ-02 550,000.00 8.00% 185 12-flr--02 2,436

63,404,735.05 2,093,373

19-uo--01 25,169,680.11 8.00% 395 19-fnl--02 753,2121-uo--01 4,099,210.21 8.00% 395 1-fnl--02 139,398.00

11-uo--01 1,537,203.82 8.00% 395 11-fnl--02 48,789.0016-uo--01 1,024,802.54 8.00% 395 16-fnl--02 31,365.0030-uo--01 1,024,802.54 8.00% 396 31-fnl--02 28,115.00

20-vDrw--01 1,012,116.43 8.00% 396 20-uo--02 37,176.0020-vDrw--01 1,012,116.43 8.00% 396 20-uo--02 37,176.0030-vDrw--01 1,012,116.43 8.00% 396 30-uo--02 34,881.0031-vDrw--01 1,012,116.43 8.00% 395 30-uo--02 34,648.00

3-uo--01 1,012,116.43 8.00% 395 3-fnl--02 33,959.005-uo--01 1,012,116.43 8.00% 395 5-fnl--02 33,500.008-uo--01 1,012,116.43 8.00% 395 8-fnl--02 32,812.00

10-uo--01 1,012,116.43 8.00% 395 10-fnl--02 32,353.0022-uo--01 1,012,116.43 8.00% 395 22-fnl--02 29,600.00

41,964,747 1,306,984

573,557,779.14 19,074,859

Hkfo"; fuf/ U;kl ds fy, lkof/ fu{ksi

Hkk-vks- cSad 6-fnl--00 11,128 7.00% 6 ekg 6-twu-2002 749Hkk-vks- cSad 5-tu--01 16,822 7.00% 6 ekg 5-tqykbZ-2002 1022Hkk-vks- cSad 5-iQj--01 21,567 7.50% 6 ekg 5-vx--2002 1159Hkk-vks- cSad 9-ekpZ-01 21,984 7.00% 6 ekg 9-flr--2002 1008Hkk-vks- cSad 31-ekpZ-01 21,984 7.00% 3 o"kZ 30-flr--2004 1049Hkk-vks- cSad 2-ebZ-01 26,836 7.00% 3.51 2-uo--2004 2336Hkk-vks- cSad 31-ebZ-01 28,144 8.00% 12 ekg 31-ebZ-2002 1,932Hkk-vks- cSad 7-twu-01 19,954 8.00% 12 ekg 7-twu-2002 1,343Hkk-vks- cSad 19-tqykbZ-01 32,294 8.00% 12 ekg 3-tqykbZ-2002 1,977Hkk-vks- cSad 31-tqykbZ-01 42,750 8.00% 12 ekg 31-tqykbZ-2002 2,346Hkk-vks- cSad 12-flr--01 38,464 8.00% 12 ekg 12-flr--2002 1,738Hkk-vks- cSad 11-vDrw--01 40,346 8.00% 12 ekg 11-vDrw--2002 1,558Hkk-vks- cSad 5-uo--01 58,118 8.00% 12 ekg 5-uo--2002 1,916Hkk-vks- cSad 28-uo--01 66,926 8.00% 12 ekg 28-uo--2002 1,859Hkk-vks- cSad 1-tu--02 69,144 7.50% 12 ekg 1-tu--2003 1,768Hkk-vks- cSad 29-tu--02 65,022 7.50% 12 ekg 29-tu--2003 1,264Hkk-vks- cSad 27-iQj--02 67,202 7.50% 12 ekg 27-iQj--2003 454Hkk-vks- cSad 18-ekpZ-02 21,443 7.50% 12 ekg 18-ekpZ-2003 59

670,128 25540

2- vU;

(d) dksV fd, x,&ykxr vkSj cktkj ewY; 'kwU; 'kwU;

([k) dksV ugha fd, x, 'kwU; 'kwU;



#i, #i,Ø-la- fof'kf"V;ka

388


3rd

jh

mic a/ - III

chek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/

31 ekp Z] 2002 dks ;Fkk fo|eku rqyu&i=k ls layXu vkSj Hkkx cuus okyspkyw vkfLr;ka] ½.k vkSj vfxze

fof'kf"V;ka p kyw o"kZ ds iwoZ o"kZ dsfy, vkadM+s fy, vkadM+s

#i, #i,

fu{ksi- ifjljksa ds fy, 22,500.00 -

- vU;ksa ds ikl&,e Vh ,u ,y 35,340.00 31,500.00

57,840.00 31,500.00

deZpkfjo`an dks ½.k vkSj vfxze- deZpkfjo`na dks xg fuekZ.k ½.k 1,209,600.00 -

- deZpkfjo`na dks vU; iz;kstuksa ds fy, ½.k 756,092.88 215,325.88

- vU; vfxze µ R;kSgkj 56,261.00 -

- vU; ;k=kk ds fy, & vfxze - 50,867.00

;ksx 2,021,953.88 266,192.88

chek daifu;ksa vkSj vU;ksa ls 'kksè; jkf'k;kachek daifu;kaµ¹jkT; chek daifu;ksa ls 'kksè; jkf'k minf'kZr djsaº 229,485.00 1,061,099.00

- vfHkdÙkkZ&¹vfHkdÙkkZvksa ls iwoZ esa izkIr ,sls pSadksa dh jkf'k vinf'kZrdjsa ftudh vof/ lekIr gks xbZ gSº 343,813.00 5,260,878.50

;ksx 573,298.00 6,321,977.50

vU; pkyw vkfLr;ka- olwyuh; O;; 425.00 -

- iwoZlanÙk O;; 346,195.00 233,890.50

- izksn~Hkwr C;kt] tks 'kksè; ugha gSµcSad fu{ksi (blds varxZr cuk, tkus okysHkfo";fuf/ U;kl dh vkSj ls j[ks x, lkof/ fu{ksiksa ij 25]540:0 dk C;kt Hkh gS 19,100,399.00 1,101,869.00

- izksn~Hkwr C;kt] tks 'kksè; ugha gSµdeZpkjh fd ½.k 19,140.00 -

- iawth [kkrksa ij vfxze&¹lkÝVos;j ds fodkl ds fy,º 565,800.00 -

;ksx 20,031,959.00 1,335,759.50

udn vkSj cSad vfr'ks"k- ikl esa udnh 18,998.00 15,000.00

- ikl esa pSd - -

- vfHkogu esa udn@pSd - -

- vuqlwfpr cSadksa esa vfr'ks"k(d) pkyw [kkrs esa 5,558,629.27 12,190,515.18

([k) fu{ksi [kkrs esa - -

;ksx 5,577,627.27 12,205,515.18

- xSj&vuqlwfpr cSadksa esa vfr'ks"k(d) pkyw [kkrs esa - -


;ksx

390


3rd

jh

mikca/ - IVchek fo fu; ked vkSj fod kl izkf/dj. k fu f/

31, ekp Z 2002 d k s r qyu&i=k l s l ayXu vk S j mld k Hkkx cuu s o ky svkdfLed nkf;Ro

fof'kf"V;ka pkyw o"kZ ds pkyw o"kZ ds fy, vkadM+s fy, vkadM+s

(#-) (#-)

Hkkjr ljdkj ls vuqnku - 893234.68

mikca/ - Vchek fo fu; ked vkSj fod kl izkf/dj. k] ub Z fnYyh

31 ekp Z] 2002 d k s ; Fkk fo|eku r qyu&i=k l s l ayXu vk S j mld k Hkkx cuu s o ky svkdfLed nkf;Ro


(#-) (#-)

- -

mikca/ - VI

chek fo fu; ked vkSj fod kl izkf/dj. k] ub Z fnYyhchek fo fu; ked vkSj fod kl izkf/dj. k fu f/

31 ekp Z] 2002 d k s lekIr g k s u s o ky s o "k Z d s fy, v k; v k S j O; ; y s[k k l sl ayXu vk S j mld k Hkkx cuu s o kyh deZp kf j ; k s a d k s l ank; vk S j mld s fy, mica/


(#-) (#-)i) Salaries, Allowances, Wages and Bonus 4,975,533.00 670,489.90

ii) Bonus - -

iii) Contribution to Provident Fund, etc. 298,737.00 45,913.00

iv) Gratuity 210,148.00 2,183.00

v) Staff Welfare Expenses - -

vi) Others-Book Grant - 3,805.00-Leave Travel Concession 14,045.00 --Insurance - 1,693.00-Canteen Expenses - 3,903.00-Monetary Award - Studies - --Contribution to Group Insurance Scheme 21,770.00 --Reimbursement of expenses incurred by Staff 169,426.00 --Leave Salary 346,560.00 416.00

TOTAL 6,036,219.00 728,402.90

osru] HkÙks] etnwjh vkSj ykHkka'kykHkka'kHkfo"; fuf/ esa vfHknk;] vkfnminkudeZpkfjoan dY;k.k O;;vU;

- iqLrd vuqnku- NqV~Vh ;k=kk fj;k;r- chek- dSaVhu O;;- /uh; iqjLdkj & vè;;u- lewg chek Ldhe esa vfHknk;- deZpkfjo`an }kjk mixr O;;ksa dh izfriwfrZ- NqV~Vh osru

;ksx

392


3rd

jh

mikca/ - VII

chek fo fu; ked vkSj fod kl izkf/dj. k] ub Z fnYyhchek fo fu; ked vkSj fod kl izkf/dj. k fu f/

31 ekp Z] 2002 d k s lekIr g k s u s o ky s o "k Z d s fy, v k; v k S j O; ; y s[k k l sl ayXu vk S j mld k Hkkx cuu s o ky s LFkkiu O;;

mikca/ - VIII

chek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/ 31 ekp Z] 2002 dks lekIr gksus okyhvof/ ds fy, vk; vkSj O;; ys[kk ls layXu vkSj mldk Hkkx cuus okyk C;kt

fof'kf"V;ka p kyw o"kZ ds iwoZ o"kZ ds fy, vkadM+s fy, vkadM+s

(#-) (#-)

ljdkj - -

cSad - -

vU; - -

;ksx - -

fof'kf"V;ka p kyw o"kZ ds iwoZ o"kZ ds fy, vkadM+s fy, vkadM+s

(#-) (#-)

Repairs & Maintenance of Buildings & Premises 2,267,704.00 787,324.00House Keeping - Office Maintenance 825,542.00 159,179.00Repairs & Maintenance of Equipments - 44,425.00Repairs and Maintenance - Others 23,075.00 1,356,290.00Electricity (Payable to LIC) 803,258.00 200,000.00Insurance - Vehicle 15,300.00 6,524.00Rates and Taxes - -Printing and Stationery 690,481.00 2,050,100.00Books/Journals etc. 63,628.00 91,186.00Postage, Telegraphs, Telephones, etc. 1,210,860.27 792,370.00Travelling and Conveyance Inland 4,945,309.00 4,394,750.40(Includes Payable to LIC Rs.711755/-)Travel - Foreign 5,367,184.00 147,093.00Legal and Professional charges 1,440,279.00 285,716.00Education/Training/R&D/Grievances Redressal Expenses - -Audit Fees 99,520.00 -Software - 150,000.00Publicity & Advertisement 2,062,541.00 572,574.00Recruitment - -Expenses of Meetings of Authority & Advisory Committee & Othermeeting expenses including daily allowances paid - -to the members of the Committee 195,685.00 767,758.00Membership and Subscription 415,835.50 244,664.50Security Services 225,879.00 167,369.00Web Portal Development Expenses 564,300.00 900,000.00(Rs.33215 payable to Maruthi IT.Com)Canteen Expenses 143,523.00 -Car Repair and Maintenance Expenses 52,560.00 29,269.00Other Expenses 188,934.00 180,292.00

TOTAL 21,601,397.77 13,326,883.90

Hkouksa vkSj ifjljksa dh ejEer vkSj vuqj{k.kxg ns[kjs[k&dk;kZy; vuqj{k.kmiLdj dh ejEer vkSj vuqj{k.kejEer vkSj vuqj{k.k&vU;fo|qr (,y vkbZ lh dks lans;)chek&okgunj vkSj djeqæ.k vkSj ys[ku lkexzhiqLrdsa@if=kdk,a vkfnMkdO;; VSfyxzke] VsfyiQksu vkfn;k=kk vkSj lokjh varjns'kh; (blesa ,y vkbZ lh dks iwoZ o"kks± dh ;k=kkvksads fy, lans; 711755/- #i;s Hkh gS);k=kk&fons'kfof/d vkSj o`fÙkd izHkkjf'k{kk@izf'k{k.k@vuqla/ku vkSj fodkl@f'kdk;r lek/ku O;;ys[kk ijh{kk iQhllkÝVos;jizpkj vkSj foKkiuHkrhZizkf/dj.k vkSj lykgdkj lfefr dh cSBdksa ds O;; rFkk

lfefr ds lnL;ksa dks lanÙknSfud HkÙkksa lfgr cSBd ds vU; O;;lnL;rk vkSj vfHknk;lqj{kk lsok,aoSc iksVZy fodkl O;;(ek:fr vkbZ Vh dkWe dks lans; 33215 #i;s)dSaVhu O;;dkj ejEer vkSj vuqj{k.k O;;vU; O;;

;ksx

394


3rd

jh

mikcaèk - IX

chek fofu;ked vkSj fodkl izkf/dj.k fuf/ ys[kkfoÙkh; fooj.kksa ij fVIi.k

¹tc rd fd vU;Fkk fofufnZ"V u gks] lHkh jdesa #i, esa gSaº

1- i`"BHkwfe %

chek fofu;ked vkSj fodkl izkfèkdj.k (izkf/dj.k) dks laln ds vf/fu;e }kjk LFkkfir fd;k x;k Fkk vkSj bldkxBu 19 vizSy] 2000 dks Hkkjr ds jkti=k esa ,d vf/lwpuk tkjh djds fd;k x;k FkkA izkf/dj.k dks chek ikfyfl;ksads /kjdksa ds fgrksa dk laj{k.k djus ds fopkj ls chek m|ksx] vkSj mlls tqM+s ;k vkuq"kafxd ekeyksa ds fofu;eu] laoèkZudjus vkSj muds lqpk: fodkl dks lqfuf'pr djus ds fy, LFkkfir fd;k x;k FkkA izkf/dj.k esa] chek fofu;ked vkSjfodkl izkf/dj.k vf/fu;e] 1999 (vf/fu;e) dh /kjk 13 ds fuca/uksa esa fu;r rkjh[k] vFkkZr~ 19 vizSy] 2000 dksvarfjd chek fofu;ked izkf/dj.k ds ikl ;Fkk miyC/ vkfLr;ksa vkSj nkf;Roksa dks fufgr fd;k x;k FkkA vf/fu;e dh/kjk 16 ds fuca/uksa esa chek fofu;ked vkSj fodkl izkf/dj.k fuf/ (fuf/) uked ,d fuf/ dk xBu fd;k tk,xkAlHkh ljdkjh vuqnkuksa] izkf/dj.k dks izkIr iQhlksa vkSj izHkkjksa }kjk ,sls vU; Ïksrksa ls] ftudk dsUnzh; ljdkj fofu'p; djs]izkIr lHkh jkf'k;ksa vkSj chekdÙkkZvksa ls izkIr fofgr izhfe;e vk; ds izfr'kr dks bl fuf/ esa j[kk tk,xkA bu fuf/ dkmi;kstu izkf/dj.k ds lnL;ksa] vf/dkfj;ksa vkSj vU; deZpkfj;ksa ds osru] HkÙkksa vkSj vU; ikfjJfedksa ds lank; vkSjizkfèkdj.k ds] blds ÑR;ksa ds fuoZgu vkSj vf/fu;e ds iz;kstuksa ls tqM+s O;;ksa dh iwfrZ ds fy, fd;k tk,xkA

2- egRoiw.kZ ys[kk uhfr;ksa dk lkj %

foÙkh; fooj.kksa dks] blesa uhps Li"V fd, x,] udn vk/kj ij vfHkle; ekU;rk dks NksM+dj ys[kk ds izksnHkwr vk/kjij ,sfrgkfld ykxr vfHkle; ds v/hu vkSj Hkkjrh; pkVZMZ vdkmaVsaV laLFkku }kjk tkjh ykxw ys[kk ekudksa ds vuqlkjrS;kj fd;k x;k gSA egRoiw.kZ ys[kk uhfr;ka fuEukuqlkj gSa %

(d) fu;r vkfLr;ka vkSj voewY;u

fu;r vkfLr;ksa dk dFku ykxr jfgr ,df=kr voewY;u ij fd;k tkrk gSA fu;r vkfLr;ksa ij voewY;u dks daiuhvf/fu;e] 1956 dh vuqlwph 14 esa fofufnZ"V njksa ds vk/kj ij vo/kfjr njksa dk mi;ksx djrs gq,] de gksrscdk;k dh i¼fr ij] mi;ksx dh vof/ ds ;Fkkuqikr micaf/r fd;k tkrk gSA 5]000 #i, ls de ykxr okyhvkfLr;ksa dk] Ø; ds o"kZ esa 100% voewY;u fd;k tkrk gSA

([k) fuos'k

cSadksa esa lkof/&fu{ksiksa dh izÑfr ds fuos'kksa dk dFku ykxr ij fd;k tkrk gSA

(x) jktLo

(i) jftLVªhdj.k iQhl

(d) chek daiuh ds :i esa igyh ckj jftLVªhdj.k djkus okyh daifu;ksa ls izkIr jftLVªhdj.k iQhl dks izkfIrds o"kZ dh vk; le>k tkrk gS %

([k) fo|eku chekdÙkkZvksa ls] igys ls eatwj jftLVªhdj.kksa ds uohdj.k ds fy, vfxze :i ls izkIr iQhl dksml o"kZ dh vk; le>k tkrk gS] ftlls og lacaf/r gSA

396


3rd

jh

(ii) vuqKfIr iQhl %

chek vfHkdÙkkZvksa] losZ{kdksa vkSj vU; chek eè;ofrZ;ksa ls izkIr vuqKfIr iQhl dks izkfIr ds o"kZ dh vk; le>ktkrk gSA vfHkdÙkkZ] losZ{k.k vkSj Vhih, vuqKfIr;ka muds tkjh gksus dh rkjh[k ls mu o"kks± ds fy, pkyw gksrh gSavkSj lekfIr ij uohdj.k ds vè;/hu gksrh gSaA vuqKfIr iQhlksa dks mu o"kks± esa forfjr djuk ftuls os lacaf/r gSa]O;ogk;Z ugha gSaA

(iii) Hkkjr ljdkj ds foÙk ea=kky; ls vuqnku

izkIr fd;s x;s izkjfEHkd vuqnku dks ml o"kZ dh] ftlesa ;g izkIr gqvk Fkk] vk; ekuk x;k gSA

(?k) fons'kh eqnzk O;ogkj %

xSj /uh; fons'kh eqnzk laO;ogkjksa dks] laO;ogkjksa dh rkjh[k dks fo|eku fofu;e njksa ij ys[kc¼ fd;k tkrk gSA?kuh; fons'kh eqnzk vkfLr;ksa vkSj nkf;Roksa dks rqyu&i=k dh rkjh[k dks fo|eku fofu;e njksa ij #i, eas ifjofrZrfd;k tkrk gSA fu;r vkfLr;ksa ds miktZu ls lacaf/r fons'kh eqnzk nkf;Roksa ds ifjorZu ds varjksa dks fu;r vkfLr;ksads ys tk, tkus okys ewY; esa lek;ksftr fd;k tkrk gSA vU; ifjorZu varjksa dks vk; vkSj O;; ys[kk esa nf'kZr fd;ktkrk gSA

(Ä) osc iksVZy fodkl vkSj vuqj{k.k %

osc iksVZy ds fodkl vkSj vuqj{k.k ij mixr O;;ksa dks] mixr gksusokys o"kZ ds vk;q vkSj O;; ys[kk dks izekf.krfd;k tkrk gSA

4

deZpkfj;ksa ds lsokfuo`fÙk iQk;nksa ds varxZr Hkfo"; fuf/ esa vfHknk;] minku vkSj NqV~Vh udnhdj.k gS] ftUgsa vf/fu;e ds v/hu cuk, x, fofu;eksa ds v/hu miyC/ djk;k tkrk gSA

NqV~Vh udnhdj.k dks ugha yh xbZ laiw.kZ NqfV~V;ksa ds vfr'ks"k ij orZeku udnhdj.kh; osru ij miyC/ djk;k tkrkgSA

izkf/dj.k us o"kZ dh lekfIr ds i'pkr vius vf/dkfj;ksa vkSj vU; deZpkfj;ksa ds iQk;ns ds fy, ch-fo-fo-izk-deZpkjh Hkfo"; fuf/ U;kl dk xBu fd;k gSA blds LFkkiuk esa yxus okys le; ds nkSjku izkf/dj.k vkSj deZpkfj;ksads vfHknk;ksa dks mfí"V fd;k x;k gS vkSj vuqlwfpr cSadksa ds lkof/&fu{ksi esa tek fd;k x;k gSA

minku ds fy, nkf;Ro dks] izkf/dj.k }kjk cukbZ xbZ minku Ldhe ds vuqlkj chekafdd ewY;kadu ds vk/kj ijvo/kfjr fd;k tkrk gSA

3- vk;dj

o"kZ 2001&2002 ls izkf/dj.k ds laca/ esa tkudkjh u gksus ds dkj.k jkT; chek vfHkdj.kksa ls uohdj.k iQhl dks ys[kesa ugha j[kk x;k gSA

4- izkf/dj.k dks foÙk ea=kky; ds vkfFkZd dk;Z foHkkx ls rkjh[k 17 tqykbZ] 2002 dk ,d i=k izkIr gqvk gS] ftlesa izkf/dj.k dks] izkf/dj.k }kjk vHkh rd ,df=kr fd, x, /uksa dks Hkkjr ds yksd ys[kk esa C;kt izksn~Hkwr u djus okys [kkrs

398


3rd

jh

esa j[kus dk funsZ'k fn;k x;k Fkk] ftlesa ls vius O;;ksa dh iwfrZ ds fy, izR;sd o"kZ ds vkjaHk ij ,d fofufnZ"V jkf'kfudkyus dh vuqefr nh xbZ FkhA izkf/dj.k] ftldk fopkj ;g gS fd mlds }kjk chekdÙkkZvksa vkSj eè;ofrZ;ksa ls izkIrdh xbZ fuf/;ka] jktLo izÑfr dh ugha gSa vkSj blfy, Hkkjr yksd fuf/ dk Hkkx ugha cu ldrha] izkf/dj.k fof/d MkVkds vk/kj ij izkIr funs'kksa ds iqufoZyksdu dh ekax dj jgk gS] izkf/dj.k }kjk bl fo"k; ij Hkkjr ljdkj ls ckrphr dhxbZ gSA

6- vuqKfIr iQhl dk vfHkdÙkkZokj ys[kk u gksus ds dkj.k olwyuh; vuqKfIr iQhl ls vf/d dh tek dh xbZ jkf'k (o"kZds nkSjku tkjh vuqKfIr;ksa ds vk/kj ij) dks vuqKfIr iQhl vk; ds :i esa ekuk tkrk gSA

7- iwoZ o"kZ ls rqyuk

fiNys o"kZ dh vof/ ls vizSy] 2000 (ch-fo-fo-izk- ds xBu dh rkjh[k) ls 31 ekpZ] 2001 dh vof/ vfHkizsr gSaA iwoZo"kZ ds vkadM+ksa dks] mUgsa pkyw o"kZ ls rqyuh; cukus ds fy,] tgka dgh vko';d le>k x;k] iqu% lewfgr fd;k x;kgSA

mikca/ - XIV

foÙkh; o"kZ 2002-03 ds fy, izkfèkdj.k ds vlaijhf{kr ys[kk

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rd jh

chek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyh

chek fofu;ked vkSj fodkl izkf/dj.k fuf/31 ekpZ 2002 dks ;Fkk fo|eku rqyu&i=

iz:i d

iwoZ o"kZ ds vkadMs nkf;Ro pkyw o"kZ ds vkadM+s(#-) (#-)

lk/kkj.k fuf/k

i) ch-fo-fo-izk- fuf/k ¼fVIi.k 4 ns[ksa½893,243.68 -o"kZ ds izkjaHk ij 893,243.68

- -o"kZ dh izkfIr;ka -

893,243.68 -o"kZ ds var esa vfr'ks"k 893,243.68

ii) iwath fuf/k- -iwath vuqnku- -o"kZ ds izkjaHk ij vfr'ks"k -

- tksfM+, % o"kZ ds nkSjku vuqnku ds :i esa izkIr fLFkj -

vkfLr;ksa dk ewY;

iii) vf/k'ks"k vkSj fuf/k;ka12,478,206.44 -fiNys rqyu&i= ds vuqlkj vfr'ks"k 349,394,774.31

- tksfM+, % mikc) vk; vkSj O;; ys[kk dsvuqlkj O;; ds Åij vk;

336,916,567.87 dk vkf/kD;

- ?kVkb, % mikc) vk; vkSj O;; ys[kk dsvuqlkj vk; ds Åij- O;; dk vkf/kD; 9,304,316.57

349,394,774.31 -o"kZ ds vUr esa vfr'ks"k 340,090,457.74

- iv) nku vkSj lanku -

- v) vU; vfr'ks"k -

m/kkj- i) izfrHkwr ¼bl iz;kstu ds fy, nh xbZ izfrHkwfr dk mYys[k djsa½ -

- ii) vizfrHkwr -

- iii) Hkkjr ljdkj ls m/kkj -

- iv) vU; m/kkj -

iwoZ o"kZ ds vkadMs vkfLr;ka p kyw o"kZ ds vkadM+s(#-) (#-)

fu;r vkfLr;ka ¼fVIi.k 1 nsf[k,½

4,642,112.68 - ldy Cykd 14,005,986.68

1,808,601.62 - ?kVkb, % vo{k;.k 4,212,069.62

2,833,511.06 - 'kq) Cykd 9,793,917.06

- - dk;Z&izxfr iwath -

fofu/kku ¼fVIi.k 2 ns[ksa½¼ykxr ij&ewY;kadu dh i)fr½

- i) dsUæh; vkSj jkT; ljdkj dh izfrHkwfr;ka -

574,227,907.78 ii) ;wfuVsa -

- iii) cSad ds ikl lkof/k fu{ksi 579,253,209.78

- iv) vU;

pkyw vkfLr;ka ¼fVIi.k 3 ns[ksa½

57,840.00 i) vfHkdj.kksa ds ikl fu{ksi 582,910.00

2,021,953.88 ii) deZpkfjoan dks _.k vkSj vfxze 4,778,194.88

573,298.00 iii) chek daifu;ksa vkSj vU;ksa ls 'kks/; jkf'k20,031,959.00 iv) vU; pkyw vkfLr;ka 31,946,140.48

v) udn vkSj cSad vfr'ks"k18,998.00 d- gkFk esa udnh 19,870.00

5,558,629.27 [k- cSad vfr'ks"k 4,722,114.57

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rd jh

chek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/ ys[kk

31 ekp Z] 2003 dks ;Fkkfo|eku vlaifjf{kr rqyu&i=k

iwoZ o"kZ ds nkf;Ro pkyw o"kZ dsvkadMs vkadMs(#i,) (#i,)

orZeku nkf;Ro[fVIi.k 5 ns[ks]

i) fofo/ ½.knkrk %-iwath enksa ds fy, -

97,281,638.00 -vU; enksa ds fy, [blds varZxr 103,853,769.45uohdj.k iQhl esa ifjorZu ds89,351,763 #ñ izfrlans; jkf'k Hkh gS]

ii) izko/ku%229,485.00 - lansgkLin vkSj vfxzeksa ds fy, izko/ku 187,192.00

- - fuos'kksa ds ewY;ksa esa deh ds fy, izko/ku -

- iii) vU; nkf;Ro:- 1. vO;;fur vuqnkuksa -- 2. ljdkj dks lans; C;kt@

vU; ½.k -- 3. Hkfo"; fuf/] lsokfuo`fÙk vkSj vU;

dY;k.k fuf/;ka%764,552.00 (d) Hkfo"; fuf/ 295,569.00

- ([k) vU; dY;k.k fuf/;ka -924,319.00 (x) lsokfuo`fÙk iQk;nk fuf/ vkSj deZpkjh

iQk;nk fuf/: 1,400,067.00

- 4. vU; (fofufnZ"V djsa)1,292,305.00 - vU; nkf;Ro 1,309,305.00

154,543,780.00 - vfxze esa izkIr jftLVªhdj.k 183,249,504.90 uohdj.k iQhl

- - lkWÝV iQfuZf'kax olwyh 4,440.00

605,324,096.99 631,283,548.77

iwoZ o"kZ ds nkf;Ro pkyw o"kZ dsvkadMs vkadMs(#i,) (#i,)

605,324,096.99 631,283,548.77

fVIi.k % 1. fu;r vkfLr;ksa ls lacaf/r tkudkjh mikca/ 1 esa gSA2. fuos'kksa ls lacaf/r tkudkjh mikca/ 2 esa gaSA3. pkyw vkfLr;ksa] ½.kksa vfxzeksa ls lacaf/r tkudkjh mikca/ 3 esa gSA4. chñfoñfoñizkñ dh fuf/;ksa ds C;kSjs mikca/ 4 esa gS (fuf/;ksa ds varxZr dsUnzh; ljdkj] vU; laxBuksa vkSj fudk;ksa ls] vf/fu;e dh /kjk 16 ds fuca/uksa esa izkIr vuqnku Hkh gS)5. vkdfLed nkf;Roksa ds C;kSjs mikca/ 5 esa gSaA6. egÙoiw.kZ ys[kk uhfr;ksa vkSj fVIi.kksa ls] tks ys[kkvksa ds Hkkx gSa] laucaf/r tkudkjh mikca/ 9 esa gSA7. ys[kkvksa dk Hkkx cuus okys] ys[kk uhfr ls lacaf/r dk;ks± ds dFku vkSj fVIi.k@tkudkjh ds lHkh mikca/

gñ@& gñ@& gñ@& gñ@&vkj-ds- 'kekZ ,u- j axkpkjh vkj-lh- 'kekZ ih-,- lqczãf.;e


egRoiw.kZ ys[kk uhfr;ksa vkSj fVIi.k] tks ys[kkvksa dk Hkkx gSa & mikca/ 9

40

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rd jh

chek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/ ys[kk

31 ekp Z] 2003 dks lekIr gq, o"kZ ds fy, vk; vkSj O;; ys[kk

iz:i [k

iwoZ o"kZ ds nkf;Ro pkyw o"kZ dsvkadM+s vkadM+s(#-) (#-)

2,385,908.00 vè;{k vkSj lnL;ksa dks lank; 1,984,536.006,036,219.00 deZpkfjoÙn ds lnL;ksa dks lank; vkSj 15,316,110.00.00

muds fy, mica/ [fVIi.k 1 ns[ksa]21,574,845.77 LFkkiu O;; [fVIi.k 2 ns[ksa] 31,103,638.05

8,673,118.0 fdjk;k 6,837,332.00- vuqla/ku vkSj ijke'kZ iQhl -- lHkk] lEesyu] izdk'ku vkfn 2,512,886.00

(lkeus ns[ksa)- C;kt (fVIi.k 3 ns[ksa) -

1,111,270.00 vo{k;.k 2,576,292.00- cV~Vs [kkrs Mkyh xbZ iwath vkfLr;ka -- vkfLr;ksa dk cV~Vs [kkrs Mkyus ls gkfu 6,544.00

229,485.00 'kadkLin ½.kksa vkSj vfxzeksa ds fy, izko/ku 37,900.00- fodkl O;; 100,000,000.00- izksUufr laca/h O;; 131,833,504.00

40,390.00 vU; O;; 961,268.00336,916,567.87 rqyu&i=k esa ys tk, x, O;; ds Åij 80,047,446.43

vk; dk vkf/D;

376,967,803.64 373,217,456.48

- mnxzg.k esa deh ij 2000&01 ds fy,izfrnk; dh tkus okyh iQhl 89,351,763.00

89,351,763.00

iwoZ o"kZ ds vkfLr;ka p kyw o"kZ dsvkadM+s vkadM+s(#-) (#-)

lgk;rk vuqnku %- izkIr -- izkI; -- ?kVkb, % iwath fuf/ dks varfjr -

jftLVªhdj.k iQhl110,756,681.50 vfHkdrkZ 258,941,963.00

- losZ{kd vkSj chek eè;orhZ -- nyky 2,425,000.00

520,000.00 rhljk i{kdkj iz'kkld 120,000.00300,000.00 chek daifu;ka 250,000.00

uohdj.k iQhl234,561,500.00 chek daifu;k 63,665,278.00

717,487.00 losZ{kd vkSj chek eè;orhZ 935,587.00420,000.00 rhljk i{kdkj iz'kkld 270,000.00

- vU; -- 'kkfLr;ka] tqekZus] vkfn -- laxksf"B;ka] lEesyu vkSj izdk'ku vkfn 2,574,750.00

29,452,612.14 fuos'kksa ij vk;&vuqlwfpr cSadksa esa 43,447,792.48fu{ksiksa ij C;kt

- fuos'kksa ij C;kt -

vfxzeksa ij C;kt16,578.00 i) xg fuekZ.k iz;kstuksa ds fy, deZpkfjoàn 147,460.00

ds lnL;ksa dks iznÙk2,562.00 ii) deZpkfjoàn ds lnL;ksa dks 39,726.00

vU; iz;kstuksa ds fy, iznÙk- iii) vU; -

220,383.00 izdh.kZ vk; 399,900.00

376,967,803.64 373,217,456.48

O;; dk vk; ls vkf/D;] ihNs ys tk, 80,047,446.43x, o"kZ ds fy,rqyui=k esa ys tk, x, O;; ds Åij vk; 9,304,316.57dk vkf/D;

89,351,763.00

gñ- gñ gñ gñvkj-ds- 'kekZ ,u- j axkpkjh vkj-lh- 'kekZ ih-,- ckyklqczãf.;e


fVIi.k % 1. fu;r vkfLr;ksa ls lacaf/r lwpuk mikca/ 1 esa gSA2. fuos'k ls lacaf/r lwpuk mikca/ 2 esa nh xbZ gSA3. pkyw vkfLr;ksa] ½.kksa vkSj vfxzeksa ls lacaf/r lwpuk mikca/&3 esa nh xbZ gSA4. ch-fo-fo-izk- ds C;kSjs mikca/ 4 esa gS (fuf/ ds varxZr vf/fu;e dh /kjk 16 ds vuqlj.k esa dsUnzh; ljdkj] vU; la?kVuksa] fudk;ksa ls izkIr vuqnku Hkh gS)

eq[; ys[kk uhfr;ka vkSj ys[kk dk Hkkx cuus okys fVIi.k & mikca/ 9

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rd jhchek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyhchek fofu;ked vkSj fodkl izkf/dj.k fuf/ ys[kk

31 ekp Z] 2003 dks lekIr gq, o"kZ ds fy, vlaijhf{kr izkfIr vkSj lank; ys[kk

iz:i x

Ø-la- izkfIr;k ¡ jkf'k (#i,) Ø-la- izkfIr;k ¡ jkf'k (#i,)

1. vkxs yk, x, vfr'ks"k lsi) cSad esa udn 5,558,629.27ii) ikl esa udn 18,998.00iii) ikl esa pSd -iv) varj.k esa udn@pSd -

2. jftLVªhdj.k iQhl ls- chek daifu;ka 250,000.00- rhljk i{kdkj iz'kklu 120,000.00- nyky 2,425,000.00- chek vfHkdÙkkZ -- vU; -

3. jftLVªhdj.k dh uohdj.k iQhl ls- chek daifu;ka 87,498,002.90- rhljk i{kdkj iz'kkld 270,000.00- chek losZ{kd 935,587.00- chek vfHkdÙkkZ 264,120,876.00- vU; -

4. chekdÙkkZvksa vkSj eè;ofÙkZ;ksa dks 'kkfLr;ksa] tqekZus ls -

5 laxksf"B;ksa lEesyuksa] vkfn ls 2,574,750.00

6. fuos'kksa ls vk; -

7. fuos'kksa ds foØ; ls 279,057,121.00

8. vuqnkuksa lsi) dsUnzh; ljdkj @ jkT; ljdkj @ vU; -ii) migkj vkSj lanku -

9. ½.kksa ls -

10. izdk'kuksa vkfn ds foØ; ls -

11. vkfLr;ksa ds foØ; ls 40,00.000

12. fuEufyf[kr ij izkIr C;kt ls

- fu{ksi 31,516,540.00- vfxze -- vU; -

13 deZpkfj;ksa ls dh xbZ olwfy;ksa ls

(d) ½.k vkSj vfxze 1,619,363.00

([k) ½.k vkSj vfxze ij C;kt 30,256.00

(x) izdh.kZ -

14 vU; izkfIr;ksa ls 395,031.00

676,430,154.17

1. vuqlaèkku vkSj ijke'kZ iQhl }kjk -

2. laxksf"B;ksa lEesyuksa] izdk'ku vkfn }kjk 2,512,886.00

3. fdjk;k lank; }kjk 10,448,965.00

4. fodkl O;; }kjk 100,000,000.00

5. lao/ZukRed O;; }kjk [Rs. 130,991,004.00 122,723,664,55

#i, ?kVk,a Rs.8,267,339.45 #i,] dk cwd vksoj MªkÝV

6. vè;{k vkSj lnL;ksa dk lank; }kjk(i) osru vkSj HkÙks 1,943,976.00

(ii) vU; iQk;ns 195,574.00

(iii) ;k=kk O;; 7,438,713.00

7. LFkkiu O;;kass }kjk

(i) osru vkSj HkÙks 10,772,531.00

(ii) vU; iQk;ns 774,801.00

(iii) ;k=kk O;; 8,579,101.60

(iv) lsokfuo`fÙk iQk;ns 2,624,344.00

8. dk;kZy; O;;ks }kjk 14,592,094.45

9 fuEufyf[kr ij C;kt }kjk

(i) ljdkjh ½.k -

(ii) vU; ½.k -

10. vkfLr;ksa ds Ø; ds fy, 9,202,193.00

11. izxfr'khy iw ¡thdk;Z ds fy, -

12. deZpkfj;ksa vkSj vU;ksa dks vfxzeksa ds fy, 4,544,012.00

13. fuos'kksa ds fy, 284,752,551.00

14. ljdkjh ½.kksa@iQhl ds izfr lank; ds fy, (fVIi.k 5 ns[ks) 89,641,595.00

15. vU; ½.kksa ds izfr lank; ds fy, -

16. vU; O;;ksa ds fy, 941,168.00

vxzuhr vfr'ks"k

i) cSad esa udn 4,722,114.57

ii) ikl esa udn 19,870.00

iii) ikl esa pSd -

iv) varj.k esa udn@pSd -

676,430,154.17

gñ- gñ gñ gñvkj-ds- 'kekZ ,u- j axkpkjh vkj-lh- 'kekZ ih-,- ckyklqczãf.;e


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rd jh

mikca/ - I

chek fofu;ked vkSj fodkl izkf/dj.k fuf/

31 ekp Z] 2003 ds ;Fkkfo|eku rqyu&i=k ls lacaf/r vkSj mldk Hkkx cuus okyhfu;r vkfLr vuqlwp h

ldy Cykd vo{k;.k 'kq¼ Cykd

1.04.2002 o"kZ ds nkSjku o"kZ ds nkSjku 31.03.2003 1.04.2002 o"kZ ds fy, lek;kstu 31.03.2003 31.03.2003 31.03.2002fof'kf"V;k¡ dks ykxr ifjo`f¼;ka fd, x, dks dks rd dks ;Fkkfo|eku dks

foØ; vkSjO;;u

Hkou ifjlj(d) Hkwfe - - - - - - - - - -([k) Hkou - - - - - - - - - -

vkoklh; ÝySV(d) Hkwfr - - - - - - - - - -([k) Hkou - - - - - - - - - -

;ku 194,343.68 480,256.00 97,345.00 577,254.68 87,604.58 105,196.00 50,801.00 141,999.58 435,255.10 106,739.10

miLdj 1,419,293.05 1,020,644.00 277,866.00 2,162,071.05 321,536.20 286,302.00 112,089.00 495,749.20 1,666,321.85 1,097,756.85

iQuhZpj vkSj fiQDlplZ 351,911.95 3,015,232.00 34,960.00 3,332,183.95 151,763.98 547,544.00 9,934.00 689,373.98 2,642,809.97 200,147.97

dEI;wVlZ 2,676,564.00 5,257,913.00 - 7,934,477.00 1,247,696.86 1,637,250.00 - 2,884,946.86 5,049,530.14 1,428,867.14

;ksx 4,642,112.68 9,774,045.00 410,171.00 14,005,986.68 1,808,601.62 2,576,292.00 172,824.00 4,212,069.62 9,793,917.06 2,833,511.06

412


3rd

jh

mikca/ - IIchek fofu;ked vkSj fodkl izkf/dj.k] ubZ fnYyh

chek fofu;ked vkSj fodkl izkf/dj.k fuf/31 ekp Z] 2003 dks ;Fkk fo|eku rqyu&i=k ls layXu vkSj Hkkx cuus okys

fuos'k

1 vuqlwfpr cSadksa esa lkof/ fu{ksi


Hkkjrh; 03-vDrw--02 110,209,779.00 7.50% 179 03-vDrw--05 4,160,072.75

vksojlht+ 07-fnl--01 300,000.00 8.25% 479 07-fnl--04 33,950.06

cSad] 26-fnl--01 50,000,000.00 8.50% 460 26-fnl--04 5,591,949.45

ubZ 27-fnl--01 44,000,000.00 8.50% 459 27-fnl--04 4,909,536.22

fnYyh 01-tu--02 50,000,000.00 8.50% 454 01-tu--05 5,514,628.82

01-tu--02 50,000.00 8.25% 454 01-tu--05 5,345.7829-fnl--01 42,357,557.00 8.50% 457 29-fnl--04 4,704,362.7809-tu--02 326,807.00 8.25% 446 09-tu--05 - 34,299.5624-tu--02 325,260.00 8.25% 431 24-tu--05 32,940.16

297,569,403.00 24,987,085.57

Hkkjrh; 03-flr--02 1,000,000.00 7.50% 209 03-flr--05 43,506.97vksojlht+ 03-flr--02 1,000,000.00 7.50% 209 03-flr--05 43,506.97cSad] 03-flr--02 1,000,000.00 7.50% 209 03-flr--05 43,506.97gSnjkckn 03-flr--02 1,000,000.00 7.50% 209 03-flr--05 43,506.97

03-flr--02 1,000,000.00 7.50% 209 03-flr--05 43,506.9717-flr--02 5,000,000.00 7.50% 195 17-flr--05 202,611.3722-vx--02 1,000,000.00 7.50% 221 22-vx--05 46,058.4922-vx--02 1,000,000.00 7.50% 221 22-vx--05 46,058.4922-vx--02 1,000,000.00 7.50% 221 22-vx--05 46,058.4922-vx--02 1,000,000.00 7.50% 221 22-vx--05 46,058.4922-vx--02 1,000,000.00 7.50% 221 22-vx--05 46,058.4914-vx--02 1,000,000.00 7.50% 229 13-vx--05 45,845.1714-vx--02 1,000,000.00 7.50% 229 13-vx--05 45,845.1714-vx--02 1,000,000.00 7.50% 229 13-vx--05 45,845.1714-vx--02 1,000,000.00 7.50% 229 13-vx--05 45,845.17

25-vDrw--02 5,000,000.00 7.25% 157 25-vDrw--05 157,104.33

25-vDrw--02 1,975,000.00 7.00% 157 24-vDrw--03 59,900.83

28-vDrw--02 3,000,000.00 6.50% 154 28-vDrw--05 82,816.65

10-fnl--02 7,500,000.00 6.50% 111 09-fnl--05 148,702.9613-ekpZ-03 2,500,000.00 6.25% 18 12-ekpZ-04 7,705.4815-tu--03 7,500,000.00 03-vizSy-03 63,500.00

46,475,000.00 1,353,549.58

,pMh,iQlh 19-fnl--02 27,423,608.67 6.25% 102 19-tu--04 479,842.39cSad 01-fnl--02 4,466,291.84 6.25% 120 02-twu-03 92,903.26

11-fnl--02 1,674,859.42 6.50% 110 11-tu--04 32,904.5016-fnl--02 1,116,572.95 6.50% 105 16-tu--04 20,926.1930-fnl--02 1,116,816.17 6.25% 91 31-tu--04 17,599.5705-fnl--02 1,102,750.80 6.50% 116 05-tu--04 22,861.9508-fnl--02 1,102,750.80 6.50% 113 08-tu--04 22,263.36


#i, #i,

579,253,209.78 574,227,907.78

Ø-la- fof'kf"V;ka

414


3rd

jh


10-fnl--02 1,102,750.80 6.50% 111 10-tu--04 22,063.8422-fnl--02 1,102,750.80 6.25% 99 22-tu--04 18,911.8203-ekpZ-03 1,340,974.34 5.75% 28 04-flr--03 5,703.7303-ekpZ-03 1,331,232.62 5.75% 28 04-flr--03 5,872.0104-uo--02 378,076.24 6.75% 147 05-ebZ-03 10,414.51

27-vDrw--02 10,883,883.19 6.00% 155 28-vizSy-03 279,011.18

09-uo--02 54,010.90 6.25% 142 10-ebZ-03 1,320.5615-uo--02 5,793,549.95 6.25% 136 16-ebZ-03 136,613.6029-uo--02 54,010.92 6.25% 122 30-ebZ-03 1,142.08

06-fnl--02 864,185.75 6.00% 115 07-twu-03 16,389.2001-fnl--02 5,414,555.60 6.25% 120 02-twu-03 111,686.6416-fnl--02 540,116.00 6.00% 105 17-twu-03 9,342.2517-fnl--02 5,414,533.17 6.00% 104 18-twu-03 92,750.6221-fnl--02 324,069.64 6.00% 100 22-twu-03 5,335.0528-fnl--02 54,011.61 7.50% 93 29-twu-03 826.1114-tu--03 432,087.16 6.00% 76 15-tqykbZ-03 5,398.1317-tu--03 540,108.95 6.00% 73 18-tqykbZ-03 6,481.3126-tu--03 135,027.25 5.75% 64 27-tqykbZ-03 1,361.3701-iQj--03 5,387,662.98 5.75% 58 02-vx--03 50,075.7408-iQj--03 269,383.13 5.75% 51 09-vx--03 2,164.2910-iQj--03 323,259.75 5.75% 49 11-vx--03 2,495.3016-iQj--03 269,383.13 5.75% 43 17-vx--03 1,824.7920-iQj--03 5,394,250.70 5.75% 39 21-vx--03 41,639.1803-ekpZ-03 5,388,089.66 5.75% 28 04-flr--03 23,766.6402-ekpZ-03 215,523.61 5.75% 29 03-flr--03 950.6715-ekpZ-03 5,381,489.01 5.75% 16 16-flr--03 13,564.3013-ekpZ-03 591,964.87 5.75% 18 14-flr--03 1,678.58

15-vDrw--02 2,081,479.66 6.75% 167 15-vizSy-03 65,166.17

16-vDrw--02 624,443.90 6.75% 166 17-vizSy-03 19,314.96

20-vDrw--02 5,203,699.15 6.75% 162 20-vizSy-03 157,043.22

30-vDrw--02 570,993.22 6.75% 152 01-ebZ-03 16,158.18

05-tu--03 5,253,300.61 6.00% 85 06-tqykbZ-03 73,402.2807-tu--03 155,756.84 6.00% 83 08-tqykbZ-03 2,125.1213-tu--03 934,541.02 6.00% 77 14-tqykbZ-03 11,828.9812-flr--02 550,000.00 7.25% 200 13-flr--03 22,102.33

112,358,806.78 1,925,225.98

vkbZlhvkbZ 14-fnl--02 2,450,000.00 7.00% 107 14-fnl--05 50,413.21lhvkbZ 20-fnl--02 3,600,000.00 6.50% 101 21-fnl--05 64,863.71cSad 26-fnl--02 1,500,000.00 6.50% 95 24-fnl--05 25,398.12

31-fnl--02 24,500,000.00 7.00% 90 01-tu--06 427,656.5018-tu--03 6,500,000.00 6.50% 72 19-tu--06 83,342.4730-tu--03 7,000,000.00 6.25% 60 31-tu--06 71,917.8119-iQj--03 4,000,000.00 6.25% 40 20-iQj--06 26,712.33

49,550,000.00 750,304.15

cSad vkWiQ 04-vizSy-02 5,000,000.00 8.00% 361 04-vizSy-05 409,833.90bafM;k 05-tqykbZ-02 1,000,000.00 7.50% 269 05-tqykbZ-03 56,297.93

05-tqykbZ-02 1,000,000.00 7.50% 269 05-tqykbZ-03 56,297.9305-tqykbZ-02 1,000,000.00 7.50% 269 05-tqykbZ-03 56,297.9314-flr--02 300,000.00 7.00% 198 14-flr--03 11,516.40

25-tqykbZ-02 5,000,000.00 8.00% 249 25-tqykbZ-03 277,811.42

31-vDrw--02 4,000,000.00 6.50% 151 31-vDrw--03 108,250.20

416


3rd

jh


#i, #i,

Ø-la- fof'kf"V;ka


2- vU;

(d) dksV fd, x,&ykxr vkSj cktkj ewY; 'kwU; 'kwU;

([k) dksV ugha fd, x, 'kwU; 'kwU;

27-uo--02 1,000,000.00 6.50% 124 27-uo--05 22,175.5626-fnl--02 8,000,000.00 6.25% 95 27-fnl--05 130,242.54

26,300,000.00 1,128,723.80

dsujk 11-vDrw--02 2,500,000.00 7.75% 171 11-vDrw--05 91,589.72

cSad 11-vDrw--02 2,500,000.00 7.75% 171 11-vDrw--05 91,590.00

15-uo--02 2,000,000.00 7.00% 136 15-uo--05 52,462.1515-uo--02 1,500,000.00 7.00% 136 15-uo--05 39,346.6215-uo--02 1,500,000.00 7.00% 136 15-uo--05 39,346.62

18-fnl--02 6,000,000.00 6.75% 103 18-fnl--05 114,527.7530-fnl--02 5,000,000.00 6.75% 91 30-fnl--05 85,099.2715-tu--03 26,000,000.00 6.50% 75 14-tu--06 347,260.27

47,000,000.00 861,222.40

418


3rd

jh

mikca/ - III



31 ekp Z] 2003 dks ;Fkk fo|eku rqyu&i=k ls layXu vkSj Hkkx cuus okys

pkyw nkf;Ro] ½.k vkSj vfxzefof'kf"V;ka p kyw o"kZ iwoZ o"kZ

ds fy, vkadM+sa d s fy, vkadM+sa(#-) (#-)

fu{ksi- ifjljksa ds fy, 525,750.00 22,500.00

- vU;ksa ds ikl&,e Vh ,u ,y 33,760.00 35,340.00

- fo|qr 19,400.00 -

- b±/u ds fy, 4,000.00 -

;ksx 582,910.00 57,840.00

deZpkfjoàn dks ½.k vkSj vfxze- deZpkfjoàn dks xg fuekZ.k ½.k 2,654,400.00 1,209,600.00

- deZpkfjoàn dks vU; iz;kstuksa ds fy, ½.k 1,622,057.88 756,092.88

- vU; vfxze µ R;kSgkj 141,283.00 56,261.00

- vU; & ;k=kk ds fy, vfxze 75,732.00 -

- olwyuh; C;kt 176,070.00 -

- vfxze vU; 108,652.00 -

;ksx 4,778,194.88 2,021,953.88

chek daifu;ksa vkSj vU;ksa ls 'kksè; jkf'k;kachek daifu;kaµ¹jkT; chek daifu;ksa ls 'kksè; jkf'k minf'kZr djsaº 149,292.00 229,485.00

- vfHkdÙkkZ&¹vfHkdÙkkZvksa ls iwoZ esa izkIr ,sls pSdksa dh jkf'k minf'kZrdjsa ftudh vof/ lekIr gks xbZ gSº 37,900.00 343,813.00

;ksx 187,192.00 573,298.00

vU; pkyw vkfLr;ka- olwyuh; O;; 230.00 425.00

- iwoZlanÙk O;; 236,732.00 346,195.00

- izksn~Hkwr C;kt] tks 'kksè; ugha gSµcSad fu{ksi 31,006,111.48 19,100,399.00

- izksn~Hkwr C;kt] tks 'kksè; ugha gSµdeZpkfj;ksa ds ½.k - 19,140.00

- iawth [kkrksa ij vfxze&¹lkÝVos;j ds fodkl ds fy,º 525,000.00 565,800.00

- eSllZ VsfjiQ lykgdkj lfefr dks vfxze 178,067.00 -

;ksx 31,946,140.48 20,031,959.00

udn vkSj cSad vfr'ks"k- ikl esa udnh 19,870.00 18,998.00

- ikl esa pSd - -

- vfHkogu esa udn@pSd - -

- vuqlwfpr cSadksa esa vfr'ks"k(d) pkyw [kkrs esa 4,722,114.57 5,558,629.27


;ksx 4,741,984.57 5,577,627.27

- xSj&vuqlwfpr cSadksa esa vfr'ks"k(d) pkyw [kkrs esa - -


;ksx - -

420


3rd

jh

mikca/ & IVchek fofu;ked vkSj fodkl izkf/dj.k fuf/

31 ekp Z 2003 dks rqyu&i=k tqM+s vkSj Hkkx cuus okys

vkdfLed nkf;Ro

fof'kf"V;ka p kyw o"kZ ds fy, fiNys o"kZ ds fy,vkadMa+s vkadM+sa (#-) (#-)

Hkkjr ljdkj ls vuqnku - -

mikca/ - V


31 ekp Z] 2003 dks ;Fkk fo|eku rqyu&i=k ls layXu vkSj mldk Hkkx cuus okys

vkdfLed nkf;Rofof'kf"V;ka p kyw o"kZ ds fy, fiNys o"kZ ds fy,

vkadM+sa vkadM+sa (#-) (#-)

- -

mikc a/ - VI


chek fofu;ked vkSj fodkl izkf/dj.k fuf/31 ekp Z] 2003 dks lekIr gksus okys o"kZ ds fy, vk; vkSj O;; ys[kk ls lacaf/r vkSj mldk Hkkx cuus okys

deZpkfj;ksa dks lank; vkSj mlds fy, izko/ku

fof'kf"V;ka p kyw o"kZ ds fy, fiNys o"kZ ds fy,vkadM+sa vkadM+sa (#-) (#-)

i) osru] HkÙks] etnwjh vkSj ykHkka'k 10,906,438.00 4,833,336.00ii) ykHkka'k - -iii) Hkfo"; fuf/ esa vfHknk;] vkfn

[bldss varxZr vf/of"kZrk fuf/ dks 1,673,413.00 #i, dk vfHknk; Hkh gS] 2,805,280.00 298,737.00iv) minku 267,070.00 210,148.00v) deZpkfjoan dY;k.k O;; 240,460.00 142,197.00vi) vU;

- iqLrd vuqnku - -- NqV~Vh ;k=kk fj;k;r 113,710.00 14,045.00- chek - -- dSaVhu O;; - -- /uh; iqjLdkj & vè;;u - -- lewg chek Ldhe esa vfHknk; 66,555.00 21,770.00- deZpkfjo`an }kjk mixr O;;ksa dh izfriwfrZ 366,720.00 169,426.00- NqV~Vh osru 549,877.00 346,560.00

;ksx 15,316,110.00 6,036,219.00

422


3rd

jh

mikca/ - VII



31 ekp Z] 2003 dks lekIr gksus okys o"kZ ds fy, vk; vkSj O;; ys[kk lslacaf/r vkSj mldk Hkkx cuus okys LFkkiu O;;

fof'kf"V;ka p kyw o"kZ iwo Z o"kZ ds fy, vkadM+sa d s fy, vkadM+sa

(#-) (#-)

Hkouksa vkSj ifjljksa dh ejEer vkSj vuqj{k.k 1,691,225.00 2,267,704.00miLdj dh ejEer vkSj vuqj{k.k 1,280,620.00 825,542.00miLdj dh ejEer vkSj vuqj{k.k - -

ejEer vkSj vuqj{k.k&vU; 179,319.00 23,075.00fo|qr (,y vkbZ lh dks lans;) 687,314.00 803,258.00

chek&okgu 81,030.00 15,300.00nj vkSj dj - -eqæ.k vkSj ys[ku lkexzh 1,642,539.00 690,481.00iqLrdsa@if=kdk,a vkfn 99,644.00 37,076.00Mkd O;;@ VSfyxzke] VsfyiQksu vkfn 1,755,004.45 1,210,860.27;k=kk vkSj lokjh varjns'kh; 8,354,827.60 4,945,309.00;k=kk&fons'k 6,594,150.00 5,367,184.00fof/d vkSj o`fÙkd izHkkj 3,797,364.00 1,440,279.00f'k{kk@izf'k{k.k@vuqla/ku vkSj fodkl@f'kdk;r lek/ku O;; - -ys[kk ijh{kk iQhl 89,450.00 99,520.00lkÝVos;j - -izpkj vkSj foKkiu 1,295,406.00 2,062,541.00HkrhZ - -izkf/dj.k vkSj lykgdkj lfefr dh cSBdksa ds O;; rFkklfefr ds lnL;ksa dks lanÙk nSfud HkÙkksa lfgr cSBd ds vU; O;; 880,528.00 195,685.00

lnL;rk vkSj vfHknk; 1,069,338.00 415,835.50lqj{kk lsok,a 381,790.00 225,879.00oSc iksVZy fodkl O;; 509,508.00 564,300.00dSaVhu O;; 320,825.00 143,523.00dkj ejEer vkSj vuqj{k.k O;; 91,916.00 52,560.00vU; O;; 301,840.00 188,934.00

;ksx 31,103,638.05 21,574,845.77

mikca/ & VIII



31 ekp Z] 2003 dks lekIr gksus okys o"kZ ds fy, vk; vkSj O;; ys[kk lslacaf/r vkSj mldk Hkkx cuus okyk C;kt

fof'kf"V;ka p kyw o"kZ iwo Z o"kZ ds fy, vkadM+sa d s fy, vkadM+sa

(#-) (#-)

ljdkjh - -

cSad - -

vU; - -

;ksx -

424


3rd

jh

mikca/ - IX

chek fofu;ked vkSj fodkl izkf/dj.k fuf/ ys[kk

foÙkh; fooj.kksa ij fVIi.k¹tc rd fd vU;Fkk fofufnZ"V u gks] lHkh jdesa #i, esa gSaº

1- i`"BHkwfe %

chek fofu;ked vkSj fodkl izkfèkdj.k (izkf/dj.k) dks laln ds vf/fu;e }kjk LFkkfir fd;k x;k Fkk vkSj bldkxBu 19 vizSy] 2000 dks Hkkjr ds jkti=k esa ,d vf/lwpuk tkjh djds fd;k x;k FkkA izkf/dj.k dks chek ikfyfl;ksads /kjdksa ds fgrksa dk laj{k.k djus ds fopkj ls chek m|ksx] vkSj mlls tqM+s ;k vkuq"kafxd ekeyksa ds fofu;ed] laoèkZudjus vkSj muds lqpk: fodkl dks lqfuf'pr djus ds fy, LFkkfir fd;k x;k FkkA izkf/dj.k esa] chek fofu;ked vkSjfodkl izkf/dj.k vf/fu;e] 1999 (vf/fu;e) dh /kjk 13 ds fuca/uksa esa fu;r rkjh[k] vFkkZr~ 19 vizSy] 2000 dksvarfjd chek fofu;ked izkf/dj.k ds ikl ;Fkk miyC/ vkfLr;ksa vkSj nkf;Roksa dks fufgr fd;k x;k FkkA vf/fu;e dh/kjk 16 ds fuca/uksa esa chek fofu;ked vkSj fodkl izkf/dj.k fuf/ (fuf/) uked ,d fof/ dk xBu fd;k tk,xkAlHkh ljdkjh vuqnkuksa] izkf/dj.k dks izkIr iQhlksa vkSj izHkkjksa }kjk ,sls vU; Ïksrksa ls] ftudk dsUnzh; ljdkj fofu'p; djs]izkIr lHkh jkf'k;ksa vkSj chekdÙkkZvksa ls izkir fofgr izhfe;e vk; ds izfr'kr dks bl fuf/ esa j[kk tk,xkA bl fuf/ dkmi;kstu izkf/dj.k ds lnL;ksa] vf/dkfj;ksa vkSj vU; deZpkfj;ksa ds osru] HkÙkksa vkSj vU; ikfjJfedksa ds lank; vkSjizkfèkdj.k ds blds ÑR;ksa ds fuoZgu vkSj vf/fu;e ds iz;kstuksa ls tqM+s O;;ksa dh iwfrZ ds fy, fd;k tk,xkA

2- egRoiw.kZ ys[kk uhfr;ksa dk lkj %

foÙkh; fooj.kksa dks] blesa uhps Li"V fd, x,] udn vk/kj ij vfHkle; ekU;rk dks NksM+dj ys[kk ds izksn~Hkwr vk/kjij ,sfrgkfld ykxr vfHkle; ds v/hu vkSj Hkkjrh; pkVZMZ vdkmaVsaV laLFkku }kjk tkjh ykxw ys[kk ekudksa ds vuqlkjrS;kj fd;k x;k gSA egRoiw.kZ ys[kk uhfr;ka fuEukuqlkj gSa %

(d) fu;e vkfLr;ka vkSj voewY;u

fu;e vkfLr;ksa dk dFku ykxr jfgr ,df=kr voewY;u ij fd;k tkrk gSA fu;r vkfLr;ksa ij voewY;u dks daiuhvf/fu;e] 1956 dh vuqlwph 14 esa fofufnZ"V njksa ds vk/kj ij vo/kfjr njksa dk mi;ksx djrs gq,] de gksrscdk;k dh i¼fr ij] mi;ksx dh vof/ ds ;Fkkuqikr micaf/r fd;k tkrk gSA 5]000 #i, ls de ykxr okyhvkfLr;ksa dk] Ø; ds o"kZ esa 100% voewY;u rc fd;k tkrk gS] tcfd og vius CykWd ds 10% izfr'kr lsvfèkd u gks] ml n'kk esa mudk voewY;u mDr vuqlwph 14 esa fofuZfn"V njksa esa fd;k tkrk gSA

([k) fuos'k

cSadksa esa lkof/&fu{ksiksa dh izÑfr ds fuos'kksa dk dFku ykxr ij fd;k tkrk gSA

(x) jktLo

(i) jftLVªhdj.k iQhl

(d) chek daiuh ds :i esa igyh ckj jftLVªhdj.k djkus okyh daifu;ksa ls izkIr jftLVªhdj.k iQhl dks izkfIrds o"kZ dh vk; le>k tkrk gS %

([k) fo|eku chekdÙkkZvksa ls] igys ls eatwj jftLVªhdj.kksa ds uohdj.k ds fy, vfxze :i ls izkIr iQhl dksml o"kZ dh vk; le>k tkrk gS] ftlls og lacaf/r gSA

426


3rd

jh

(ii) vuqKfIr iQhl %

chek vfHkdÙkkZvksa] losZ{kdksa vkSj vU; chek eè;ofrZ;ksa ls izkIr vuqKfIr iQhl dks izkfIr ds o"kZ dh vk;le>k tkrk gSA vfHkdÙkkZ] losZ{k.k vkSj Vhih, vuqKfIr;ka muds tkjh gksus dh rkjh[k ls mu o"kks± ds fy,pkyw gksrh gSa vkSj lekfIr ij uohdj.k ds vè;/hu gksrh gSaA vuqKfIr iQhlksa dks mu o"kks± esa forfjr djukftuls os lacaf/r gSa] O;kogk;Z ugha gSaA

(iii) izkjafHkd vuqnku dks] bldh izkfIr ds oxZ dh vk; ds :i esa ekuk x;k gSA

(?k) fons'kh eqnzk O;ogkj %

xSj /uh; fons'kh eqnzk laO;ogkjksa dks] laO;ogkjksa dh rkjh[k dks fo|eku fofu;e njksa ij ys[kc¼ fd;k tkrk gSA?kuh; fons'kh eqnzk vkfLr;ksa vkSj nkf;Roksa dks rqyu&i=k dh rkjh[k dks fo|eku fofu;e njksa ij #i, eas ifjofrZrfd;k tkrk gSA fu;r vkfLr;ksa ds miktZu ls lacaf/r fons'kh eqnzk nkf;Roksa ds ifjorZu ds varjksa dks fu;r vkfLr;ksads ys tk, tkus okys ewY; esa lek;ksftr fd;k tkrk gSA vU; ifjorZu varjksa dks vk; vkSj O;; ys[kk esa nf'kZr fd;ktkrk gSA

(Ä) osc iksVZy fodkl vkSj vuqj{k.k %

osc iksVZy ds fodkl vkSj vuqj{k.k ij mixr O;;ksa dks] mixr gksus okys o"kZ ds vk; vkSj O;; ys[kk dks izekf.krfd;k tkrk gSA

(p) lsokfuo`fÙk iQk;ns %

deZpkfj;ksa ds lsokfuo`fÙk iQk;nksa ds varxZr Hkfo"; fuf/ esa vfHknk;] minku vkSj NqV~Vh udnhdj.k gS] ftUgsavfèkfu;e ds v/hu cuk, x, fofu;eksa ds v/hu miyC/ djk;k tkrk gSA

NqV~Vh udnhdj.k dks ugha yh xbZ laiw.kZ NqfV~V;ksa ds vfr'ks"k ij orZeku udnhdj.kh; osru ij miyC/ djk;k tkrkgSA

izkf/dj.k us o"kZ dh lekfIr ds i'pkr~ vius vf/dkfj;ksa vkSj vU; deZpkfj;ksa ds iQk;ns ds fy, ch-fo-fo-izk-deZpkjh Hkfo"; fuf/ U;kl dk xBu fd;k gSA bldh LFkkiuk esa yxus okys le; ds nkSjku izkf/dj.k vkSj deZpkfj;ksads vfHknk;ksa dks mn"V fd;k x;k gS vkSj vuqlwfpr cSadksa ds lkof/&fu{ksi esa tek fd;k x;k gSA

minku ds fy, nkf;Ro dks] izkf/dj.k }kjk cukbZ xbZ minku Ldhe ds vuqlkj chekafdd ewY;kadu ds vk/kj ijvo/kfjr fd;k tkrk gSA

3- vk;dj

izkfèkdj.k dh vk; dks vk;&dj vfèkfu;e] 1961 dh èkkjk 10 (23[k[kÄ) ds vèkhu NwV izkIr gksus ds dkj.k vk;&djds fy, dksbZ micaèk ugha fd;k x;k gSA

4- deZpkjh Hkfo"; fufèk vkSj vfèkof"kZrk fufèk

izkfèkdj.k us vius vfèkdkfj;ksa vkSj vU; deZpkfj;ksa ds iQk;ns ds fy, o"kZ ds nkSjku 19 vizSy 2000 ls ^^ch-fo-fo-izk-deZpkjh Hkfo"; fufèk** vkSj ^^ch-fo-fo-izk- vfèkof"kZrk fufèk** uked nks U;klksa dk xBu fd;kA izkfèkdj.k vkSj deZpkfj;ksa

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3rd

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}kjk Hkfo"; fufèk esa vfHknk; dks] blds varxZr 12 izfr'kr dh c<+h nj ij (1] 75] 092) vUrj okyh jkf'k Hkh gS] ldyvfHknk; dks vU; ckrksa ds lkFk&lkFk] ftUgsa lkofèkfu{ksiksa ds :i esa mn"V fd;k x;k gS] U;kl esa tek djk nh xbZ gSAblds vfrfjDr izkfèkdj.k us 19 vizSy] 2000 ls 31 ekpZ 2003 (blds varxZr 19 vçSy 2000 ls 31 ekpZ 2002 dhvofèk ds fy, 642]279 nh gS) dh vofèk ds fy, 1]673]413 #ñ dh jkf'k vfèkof"kZrk nkf;Ro ds fy, vfHknÙk dh gSA

5- jftLVªhdj.k@ uohdj.k iQhl

(d) izkfèkdj.k ds chekdÙkkZvksa ds jftLVªhdj.k ds uohdj.k ds fy, mn~xghr dh tkus okyh iQhl dks 1 vçSy] 2001ls Hkwry{kh izHkko ls] ldy izhfe;e ds 0-2% ls ?kVkdj ldy izhfe;e dk 0-1% fd, tkus okys o"kZ dh vk;dks rnkuqlkj ys[ks esa fy;k x;k gS lkFk gh 89]351]763 #ñ dh jkf'k dks] ftls o"kZ 2001&02 dh vk; ds :iesa nf'kZr fd;k x;k Fkk] vc o"kZ ds fy, vk; dk O;; ds Åij vkfèkD; ls dVkSrh ds :i esa nf'kZr fd;k x;kgS vkSj ifj.kkfed vfèkd O;; dks rqyu&i=k esa vxzuhr fd;k x;k gSA

([k) ldy chek izhfe;e dh tkudkjh miyCèk u gksus ds dkj.k jkT; chek vfHkdj.kksa ls uohdj.k iQhlksa dks ys[kk esaugha fy;k x;k gSA

(x) vfHkdÙkkZokj ykblsal iQhl dk ys[kk u gksus ds dkj.k 135]850 #ñ dh olwyuh; vuqKfIr iQhl (o"kZ ds nkSjku tkjhvuqKfIr;ksa ds vkèkkj ij) ls vfèkd fu{ksi dh xbZ jkf'k dks vuqKfIr iQhl vk; ekuk x;k gSA

6- izkfèkdj.k dh fufèk;ksa dk Hkkjr ds yksd&ys[kk esa fu{ksi fd;k tkuk

izkf/dj.k dks foÙk ea=kky; ds vkfFkZd dk;Z foHkkx ls rkjh[k 17 tqykbZ] 2002 dk ,d i=k izkIr gqvk gS] ftlesa izkfèkdj.kdks] izkf/dj.k }kjk vHkh rd ,df=kr fd, x, /uksa dks Hkkjr ds yksd ys[kk esa C;kt izksn~Hkwr u djus okys [kkrs esa j[kusdk funsZ'k fn;k x;k Fkk] ftlesa ls vius O;;ksa dh iwfrZ ds fy, izR;sd o"kZ ds vkjaHk ij ,d fofufnZ"V jkf'k fudkyusdh vuqefr nh xbZ FkhA izkf/dj.k] ftldk fopkj ;g gS fd mlds }kjk chekdÙkkZvksa vkSj eè;ofrZ;ksa ls izkIr dh xbZfufèk;ka] jktLo izÑfr dh ugha gSa vkSj blfy, Hkkjr yksd fuf/ dk Hkkx ugha cu ldrha] izkIr dh xbZ fof/d MkVk dsvkèkkj ij izkIr funs'kksa ds iqufoZyksdu dh ekax dj jgk gS] izkf/dj.k }kjk izkIr dh xbZ bl fo"k; ij Hkkjr ljdkj lsckrphr dh gSA

7- izkfèkdj.k dk eq[;ky;

izkfèkdj.k us Hkkjr ljdkj }kjk uoEcj] 2001 esa fy, x, izkfèkdj.k ds eq[;ky; dks ubZ fnYyh ls gSnjkckn varfjr djusds fofu'p; ds vuqlj.k esa vizSy 2002 esa vius chekafdd foHkkx dks rFkk vU; foHkkxksa dks vxLr 2002 esa varfjrdj fy;k FkkA izkfèkdj.k dk dk;kZy; ifjJe Hkou] esa vofLFkr gS] tgka bls rhljs ry dk ,d Hkkx vkaèkz izns'k vkS|ksfxdfodkl fuxe }kjk fu%'kqYd fn;k x;k gSA

vkaèkz izns'k ljdkj us vkaèkz izns'k vkS|ksfxd fodkl fuxe }kjk izkfèkdj.k dks ukudjkexqM+k xkao] lsjhfyaxeiYyh eaMy]vkj-vkj- ftyk esa 5 ,dM+ dk ,d IykV fu%'kqYd vkcafVr fd;k gS] ftls vHkh vfèkHkksx esa fy;k tkuk gSA

8- laoZèkukRed O;;

ljdkj us ljdkjh ehfM;k ds ekè;e ls 120] 115] 000 #ñ dh ykxr ls chek tkx#drk] f'k{kk vkSj lkèkkj.k fodklds laoèkZu ds fy, ,d fo'ks"k vfHk;ku pyk;k FkkA

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3rd

jh

9- chek vkSj tksf[ke izcaèk laLFkku dks va'knku

izkf/dj.k us chek vkSj tksf[ke izcaèk laLFkku dks LFkkfir djus ds fy, la;qDr :i ls iz;kl fd, gSa tks laLFkku ds fy,Hkwfe ds izkoèkku }kjk izR;; va'knku lfgr vkaèkz izns'k ljdkj ds lkFk chek vkSj tksf[ke izcaèk laLFkku ij vuqlaèkkuA

laLFkku izkfèkdj.k ds ,d vuqlaèkku ds :i esa dk;Z djsxkA o"kZ ds nkSjku izkfèkdj.k us lsfeukjksa vkfn dks lapkfyr djusds fy, vkorhZ O;;ksa dks iwjk djus ds fy, 10]000]000 #i, dh jkf'k dk va'knku fd;k vkSj ftlesa laoèkZukRed O;;Hkh lfEefyr gSA izkfèkdj.k us uoEcj 2002 esa] 100]000]000 #i, dk va'knku fd;k ftlesa 80]000]000 #i, nku ds:i esa fn, vkSj 'ks"k laLFkku dks ifjljksa dks Hkou vkSj volajpuk ds fofuekZ.k vkSj fodkl O;; ds :i esa izekf.kr djusds fy, fn;k x;kA pwafd i{kdkjksa vkSj U;kfl;ksa ds chp nku foys[k ij gLrk{kj dj fn, x, gSaA

10- izp kfyr iV~Vk

;gka dksbZ Hkh vfujLr iV~Vk Bgjko ugha gqvk gSA iV~Vs dk lank;] iV~Vk djkj ds vuqlkj fd;k tkrk gSA izkfèkdj.k usgSnjkckn esa fdjk;keqDr ifjljksa dk vfèkHkksx fd;k gS fdUrq ifjlj dks [kkyh djus ij vkaèkz izns'k vkS|ksfxd fodkl fuxe}kjk tgka gS tSlk gS ds vk/kj ij lkSaik gS vkSj O;; ys[kk esa vU; ifjljksa ds lacaèk esa iV~Vk lank; 6]837]332 (iwoZ o"kZ8]673]118) :i, gSA

11- lkWÝVos;j fodkl ds fy, vfxze

izkf/dj.k us o"kZ 2001 ds nkSjku dEI;wVjhd`r iz.kkyh ds fodkl ds fy, 525]000 #ñ dh jkf'k dk lank; fd;k tks djkjdh xbZ] 1]750]000 #ñ dh jkf'k dk 30% FkkA chekdÙkkZvksa dh ekfuVfjax ds fy, ,d vuqdwy dEI;wVjhd`r iz.kkyh dslEiw.kZ fodkl ds yfEcr jgrs gq, mijksDr vfxze dks u rks lek;ksftr fd;k x;k Fkk vkSj u gh o"kZ ds nkSjku dksbZ vkSjizkoèkku fd;k x;k FkkA

12- iwoZ o"kZ ls rqyuk

iwoZ o"kZ ds vkadM+ksa dks] mUgsa pkyw o"kZ ls rqyuh; cukus ds fy,] tgka dgha vko';d le>k x;k] iqu% lehafgr fd;kx;k gSA