\ & h[ 2015

o - 22
5
http://sangakural.blogspot.in

V >D!
@ M_ k BV!
@ V_k>_VD VF
@ Vm V |_D WkxD
@ z EB^
@ JV> ...
@ Vk BVV...!

k \V >D
Achche Din

VVD

\V

ghuhl;Lf;fs;
NjhoH n[. #hpaehuhazd;
(HGA> fz;Nlhd;nkz;l; fpis)
kw;Wk;
NjhoH
uhN[];thp
(cjtpahsH>
kiyf;Nfhl;il
fpis)
MfpNahuJ
Gjy;tp
nry;tp Rgh\pdp rkPgj;jpy;
eilngw;w +2 NjHtpy; 1200 f;F
1187
kjpg;ngz;fs;
ngw;W
khepyj; j py;
%d; w hkplKk; >
jpUr;rp
khtl;lj;jpy;
,uz;lhkplKk;
ngw;W
rpwg;G
NrHj;Js;shH.
mtUf;F
tho;j;Jf;fisAk; ghuhl;Lf;fisAk; njhptpj;Jf; nfhs;fpNwhk;.

ekJ

kapyhLJiw fpisapy;
caHepiy cjtpahsuhfg;
gzpahw;Wk; NjhoH. B. Rjh
mtHfspd; Gjy;tp nry;tp.
200f;F 1176
B. th;\h
kjpg;ngz;fs;
ngw;W
ehfg;gl;bzk; khtl;lj;jpy;
,uz;lhkplk; ngw;W rpwg;G
NrHj;Js;shH. mtUf;F ekJ tho;j;Jf;fisAk; ghuhl;Lf;fisAk;
njhptpj;Jf; nfhs;fpNwhk;. (khtl;l Ml;rpaH tho;j;JfpwhH!)

Fk;gnfhzk; fpis 2 kfsph; jpdk;

kfspH jpdj;ij Kd;dpl;L Fk;gNfhzk; fpis 2 rhHgpy;
Fk;gNfhzk; mUfpy; cs;s ehr;rpahH Nfhapy; rha; KjpNahH
fhg;gfj;jpw;F rikay; fh];
,izg;G> gLf;if tpupg;Gfs;
kw;Wk;
,dpg;Gfs;
toq;fg;gl;ld.
NkYk;
Fk;gNfhzk; mUfpy; cs;s
jpUr;Nriwapy; RlH khw;Wj;
jpwdhspfs; gs;spf;F gPNuh>
kspifg;
nghUs;fs;
nfhLf;fg;gl;lJ.
,tw;wpd;
nkhj;j kjpg;G &.30 Mapuk;
Mfk;.

 V >D!

z_
http://sangakural.blogspot.in

V| w aB D
> V][ z_

(>Muz \|D)

\ & h[ 2015
o - 22 5

gEB z
. _
V. B>V
. V[
V[. >Vi[
V. >eV
. _kV
V.ABJ]
V. W\V
kX| :

V| w aB D
V WkD
12, ] , >V
sangakural@gmail.com
E|k :

V[ D
]E - 620 008.
V[ : 2708110

Nkhb Ml;rpf;F te;J Xuhz;L epiwTw;W

tpl; l J.
,jw; F
Ke; i ja
muRfspd;
nray;ghLfisAk;
,Nj
Nghy
ehk;
ghprPypj;jpUe;jhYk;>
Nkhb
Ml;rpiag;
gw;wp
vOJk;NghJ xU ryryg;igf; Nfl;f KbfpwJ.
rPrhpd; kidtp re;Njfj;jpw;F mg;ghw;gl;ltuhf
,Uf;f Ntz;Lk; vd;W nrhd;dhHfNs jtpu>
re;Njfg;gLtJ jtW vd;W rPrhpd; kidtpf;Nf
ahUk;
nrhy; y tpy; i y.
vdNt>
ek; i k
Ms;gtHfspd;
nray;ghLfisg;
ghprPypj;jy;
vd;gJ [dehafj;jpy; kpf Kf;fpaf; flik.
me;j msTf;Ff; fz;%bj;jdkhf Nkhbia
Mjhpg;gtHfshy;$l ,e;j Xuhz;il kpfr; rpwe;j
Ml;rp vd;Nwh> nrhd;dijnay;yhk; nra;Jtpl;lhH
vd;Nwh epkpHe;J epd;W $wpf;nfhs;s Kbatpy;iy
vd;gJjhd; cz;ik.
100 ehl;fSf;Fs; nfhz;L tUtjhfr; nrhd;d
fUg;Gg; gzk; Jtq;fp> tptrhapfspd; eyDf;Ff;
fLikahf ciof;fg; Nghtjhfr; nrhd;dJtiu
ele;Js;sJ vd;d vd;gJ nrhy;ypj; njhpa
Ntz;bajpy;iy. nghJf; nfhs;Kjy; Kiwapy;
thq; f g; g Lk;
ney; Y f; F
khepy
muRfs;
Cf;fj;njhif toq;ff;$lhJ vd;W cj;jutpl;L
tptrhapfSf;fhf kpff; fLikahf ciof;fpwhH
Nkhb. mijAk; jhz;b> 3tJ Kiwahf epyk;
ifafg;gLj;jy; mtrur; rl;lj;ijf; nfhz;L
te;jpUg;gjpypUe;J tptrhapfspd;kPjhd mf;fiw
Nfhukhfg; gy;ypspf;fpwJ.
,ijg; gw;wpf; Nfs;tpnaOg;gpdhy; njhopy;
tsHr;rpf;F epyk; Kf;fpak; vd;W $wg;gLfpwJ.
cz;ikapy; njhopy;Jiw cw;gj;jp tsHr;rp
tpfpjk; 5.9%ypUe;J (-)5.6% (Mk;! ikd];jhd;!)
Mfj; Nja;e;J khHr;rpy; 2.2% MfpAs;sJ.
Nfl;lhy; ,g;NghJjhd; Jtq;fpapUf;fpwhHfs;>
,dpjhd; KjyPLfs; tUk; vd;W gjpy; $wyhk;.
KjyPLfs; te;jgpd; Gjpa njhopy;fs; tul;Lk;>
,Ug;gJ Nja;e;jJ vg;gb?
z_

rhp> vd;d KjyPLfs; te;jd?

KjyPl;il <Hg;gjhfr; nrhy;ypf;nfhz;L
12 khjq;fspy; 18 ehLfSf;Fr; (Rw;Wyh?
muR nrytpy;?) nrd;Ws;shH gpujkH
Nkhb. Vuhskhd mwptpg;Gf;fs;. Mdhy;
te;jJ vd;d? Kjy; 6 khjr; Rw;Wyhtpy;
xg; G f; n fhs; s g; g l; l tw; w py;
te; j J
vt;tsT> vj;jidj; njhopw;rhiyfs;
Gjpjhfj; njhlq;fg;gl;Ls;sd> vt;tsT
NgUf;F
Ntiytha;g;Gf;
fpilj;jJ
vd;W nrhy;y KbAkh?

Mdhy;> KjyPl;il <Hf;f vd;W

nrhy;ypr;
nrd;W
M];jpNuypahtpy;
mjhdp njhopy; njhlq;f &.6300 Nfhb
,e;jpa kf;fspd; Nrkpg;igf; nfhLj;jJ
gw;wp Nkhbapd; l;tpl;lH Ngr kWf;fpwJ.
,q;fpUe;J NghdJ kl;Lk;jhd; cz;ik>
vy; y hk;
tUtjhfr;
nrhd; d it
gpuik...ahfNt ,Uf;fpd;wd...!
Nkf; ,d; ,e;jpah gw;wp> ,d;ndhU
cw;gj;jp ikak; cyfpw;Fj; NjitAk;
rhj;jpaKk; ,y;iy> ,e;jpahTf;fhfj;
jahhpg;Nghk; vd;gNj rhpahf ,Uf;Fk;>
vd; w
hprHt;
tq; f p
ftHdhpd;

Gs;sptpguq;fSld; $ba thjj;ij

kWf;f Kbahtpl;lhYk; Vw;fj; jahuhf
,y;iy.
cz;ikapy; Nkf; ,d; ,z;bah
vd;gJ Ke;ija fhq;fpu]; murpd;
cw;gj;jpf; nfhs;iff;F itf;fg;gl;l
Gjpa ngaHjhNd jtpu Ntwy;y. mJ
kl;Lky;y>
AgpVtpd;
epHky;
ghuj;
jpl;lj;jpd; Gjpa ngaHjhd; ];thr; ghuj;.
kd;Nkhfdpd; epjp cs;slf;fj;Jf;fhd
,af;fj;jpd; Gjpa ngaHjhd; [d; jd;
Nah[dh. uh[Pt; fhe;jp fpuhg;Gw kpd;
tpepNahfj; jpl;lj;Jf;Fg; Gjpa ngaH
jPdjahs; cghj;ahah fpuhkg;Gw N[hjp
jpl;lk;. ,g;gb Vw;nfdNt ,Ug;gjw;Fg;
Gjpa ngaH itj;Jtpl;L> tpsk;guj;Jf;F
Vuhskhfr; nryT nra;jjijj; jtpu
Gjpjhf
VJkpy; i y
vd; g Jjhd;
epjHrdkhf cs;sJ.
mJ
kl;Lkpd;wp>
mg;NghJ
vjpHj;jtw;iwAk; ,g;NghJ jPtpukhfr;
nray;gLj;JfpwhH Nkhb. khdpaj;ij
tq;fpf;
fzf;fpy;
tuT
itf;Fk;
kf;fis
jpl;lj;ij
Kl;lhshf;Fk;
Kaw;rp vd;W md;W tpkHrpj;j Nkhb
,d;W ehLKOtJk; tYf;fl;lhakhfj;
jpzpf; f pwhH.
MjhH-k;
mg; g bNa
jpzpf;fg;gLfpwJ.
vspa
kf; f isg;
ghjpf; F k;
jpl;lq;fis mg;gbNa nray;gLj;jp dhYk;> mtHfSf;Ff; nfhQ;r eQ;rk;
eyd; gaj;Jf;nfhz;bUe;j 100 ehs;
Ntiyj; jpl;lk; Kjyhdit mopTg;
ghijf;Fj; js;sg;gl;L tpl;ld.
fhg;gPl;Lj;
Jiwapy;
me;epahpd;
Mjpf;fj;ij mjpfg;gLj;j mtrur;

,Jtiu MAs;fhg;gPl;Lg; ghyprpfs; kl;LNk fhg;gPl;Lf;fsQ;rpaq;fshy; kpd;dZ

ghyprpfshf toq;fg;gl;L tUfpd;wd. ,t;thz;L ,Wjpf;Fs; eyf;fhg;gPL> thfdf;
fhg;gPL Mfpatw;Wf;Fk; ,t;trjp tphpTgLj;jg;gLk; vd;W vjpHghHf;fg;gLfpwJ.
2

z_

\ & h[ 2015

rl;lk;
Jtq;fp>
njhopyhsH
eyr;
rl;lq;fisj; jpUj;Jk; Kaw;rp tiu
KOf;f KOf;f ngU KjyhspfSf;Fk;>
me;epa epWtdq;fSf;Fk; gpujpepjpahf
Nkhb muR nray;gl;L tUtij xspT
kiwtpd;wp nra;J tUfpwJ vd;gij
,e;j Xuhz;by; fhl;bAs;sJ. xU ghid
Nrhw;Wf;F xU NrhW gjk;! mLj;j 4
Mz; L fSf; F
,Jjhd;
njhlUk;
vd; g jw; f hd
gl; l tHj; j dkhd
Kd;Ndhl;lk;jhd; ,e;j Xuhz;L!
fpspz;ld; te;jNghJ ma;juhghj; jpypUe;j gpr;irf;fhuHfs; Njitapy;yh jtHfs; vd;W ntspNaw;wg;gl;lJNghy>
,e; j pa
murpd;
ftdj; j pypUe; J
tptrhapfs;>
njhopyhsHfs;>
vspa
kf;fs; MfpNahH Njitapy;yhj tHfshf ePf;fg;gl;bUf;fpNwhk;!
,j;jifa
Nghf;Fila
murplkpUe;Jjhd; ehk; Cjpa caHitg;
ngw Ntz;Lk;. ngw;Wj;ju Ntz;ba

vy;ma;rpapd; jw;Nghija epHthfNkh>

CopaHfs; vhpthA khdpaj;ij tpl;Lf;
nfhLf;fNtz;Lk; vd;W Ntz;LNfhs;
tpLj;J>
murplk;
jdf;fpUf;Fk;
tpRthrj; i jf;
fhl; b f; n fhs; s
Kaw;rpf;fpwNj jtpu> 3 Mz;Lfsha;f;
fhj;jpUf;Fk;
CopaHfspd;
Cjpa
caHT Fwpj;J mf;fiw nfhs;sj;
jahuhf ,y;iy.
epWtdj;jpd; eyidg; nghpjhff;
fUjhky;> jdJ tpRthrj;ijf; fhl;bg;
gyd; ngWk; Nehf;NfhL nray;gLk;
jiytiuf; nfhz;Ls;s epHthfj;ij>
CopaHfspd;
eyDf; f hfg;
Ngrr;
nra; a Tk; >
ngU
Kjyhspfspd;
gpuepjpahfr; nray;gLk; muir Cjpa
caHT toq;fr; nra;aTk; Ntz;Lk;
vDk;NghJ>
mjw;fhd
Nghuhl;lk;
fLikahf my;y> kpfkpff; fLikahf
,Uf;Fk;
vd;gijg;
Ghpe;Jnfhz;L
mj;jifa ,af;fj;Jf;Fj; jahuhNthk;!

thH;j;Jf;fs;!
30.06.2015 md;W LIC gzpapypUe;J Xa;TngWk;
Xa;Tf;fhyk; eyKlDk;> tsKlDk; mika tho;j;JfpNwhk;!

D. wMkK

S. [

cjtpahsH
nguk;gY}H fpis

cjtpahsH
=uq;fk;

R. \E

caHepiy cjtpahsH
jpUj;Jiwg;g+z;b

,j;NjhoHfspd;

S.

cjtpahsH
rPHfhop

thrfh; SMS
nel; epA+l;uhypl;b gw;wpa fl;Liu vspikahfTk; rpwg;ghfTk; ,Ue;jJ.
PFI rhHgpy; Jz;lwpf;ifahf kf;fspilNa tpepNahfpf;fyhk;.

- nyh.n#hd;!;

ghyprpjhuHfspd; GfhHfisf; fhg;gPl;L epWtdq;fs; rhpahff; ifahstpy;iy vd;W

Fw;wk; rhl;bAs;s IRDAI epHzapf;fg;gl;Ls;s fhy tiuaiuf;Fs; GfhHfSf;Fj;
jPHTfhz Ntz;Lk; vd;W midj;Jf; fhg;gPl;L epWtdq;fSf;Fk; mwpTWj;jpAs;sJ.

\ & h[ 2015

z_

>Vw. D. z[Mi[ {F
njd;kz;ly ,d;#ud;]; CopaH
$l;likg;gpd; jiytH NjhoH vk;.
Fd;dpfpU\;zd;
31.05.2015
md;W
vy;.I.rp
gzpapypUe;J
Xa;T
ngw;Ws;shh;. 27.11.1974 md;W vy;.I.rp
gzpapy;
NrHe;J
40
Mz;Lfshf
mYtyfj;jpYk;> njhopw;rq;f muq;fpYk;
nghWg; G zHTlDk; >
NeHikAlDk;
nray;gl;ltH.
tl
Nfusk;>
igaD}hpy; gpwe;J rpW tajpNyNa jha;>
je;ijaiu ,oe;jhH. vy;.I.rp gzpf;F
Kd;djhf jghy; je;jp Jiwapy;
nlypNghd; Mg;gNul;luhf gzp Ghpe;jhH.
vy;.I.rpapy;
gzpapy;
NrHe;j
fhyj; j pNyNa
mfpy
,e; j pa
,d; # ud; ] ;
CopaH
rq; f j; j pd;
Nghuhl;l ,af;fq;fis Kd;ndLj;Jr;
nrd;w
NjhoH.
Nfhopf;NfhL
Nfhl;lj;jpd; nghJr; nrayhsuhf>
njd;kz;ly
,d;#ud;];
CopaH
$l;likg;gpd; ,izr; nrayhsH>
jiytH
kw;Wk;
mfpy
,e;jpa
,d;#ud;]; CopaH rq;fj;jpd; Jizj;
jiytH vd gy;NtW nghWg;Gfspy;
jpwk;gl nray;gl;ltH.
Nfhopf;NfhL
vy;.I.rp
CopaH
$l;LwT
gz;lfrhiyapy;
9
Mz;Lfs;
,af; F euhf>
Jizj; j iytuhf>
nrayhsuhf nray;gl;ltH. Gjpjhf gzp
epakdk; ngw;w gy ,sk; NjhoHfis
rq;fj;jpd; nray;ghl;by; <LgLj;jpatH.
NjhoikAzHTld;
goff; $ batH.
mNj
Ntisapy;
Njitg; g Lk;
Neuq; f spy;
mtHfis
tpkHrdk;

nra;aTk;
jaq;Ftjpy;iy.
njhopw;rq;fg;
gzpia
Vw;Wf;
nfhz;likahy;> mYtyfj;jpy; ve;j
gjtp
caHitAk;
Vw;Wf;
nfhs;stpy;iy.
gpur;ridfis>
rthy;fis vjpH nfhs;Sk; tpjk;>
epHthfj;jpd; jhf;Fjy;fSf;F mtH
Mw;wpLk; vjpHtpid> mwpTg;G+Htkhd
rpe;jidfs; vd midj;JNk mfpy
,e;jpa ,d;#ud;]; CopaH rq;fj;ij
gyg;gLj;jpl
gy
tiffspYk;

cjtpAs;sNjhL> jiyikg; gz;G fSf;F kpf rpwe;j cjhuzkhfTk;

mike; J s; s J.
rkurkpy; y hky;
nfhs;iffis Kd;ndLj;J nry;tjpy;
mtUf;F epfH mtNu.
vjpuzpapd;
murpay; #o;r;rpfshy; jhf;FjYf;F
cs;shdtH. 31.03.2005 md;W eilngw;w
mfpy ,e;jpa ,d;#ud;]; CopaH
rq;fj;jpd; Ntiy epWj;jj;jpd; NghJ
INTUC mikg;igr; NrHe;j NjhoHfis

DLF Pramerica, Max Life, Aviva, Canara HSBC OBC and ICICI Pru Life Mfpa jdpahH
epWtdq;fs; Nrit thpiaj; jtwhff; fzf;fpl;Lf; Fiwj;Jr; nrYj;jp muRf;F
&.352.55 Nfhb ,og;G Vw;gLj;jpAs;sjhf CAG mwpf;if $wpAs;sJ.

z_

\ & h[ 2015

jhf;fpajhf njhlHe;j ngha;tof;fpy;

%d;W khj rpiwjz;lidAk;> & 500
mguhjKk;
NjhoH
Fd;dpfpU\;zd;
cs;spl;l Ie;J NjhoHfSf;F jPHg;G
toq;fg;gl;lJ. mjid mfpy ,e;jpa
,d;#ud;]; CopaH rq;fk; kw;Wk;
njd;kz;ly
,d;d;#ud;];
CopaH
$l;likg;gpd; cjtpNahL ijhpakhf
vjpHnfhz;L
khtl;l
ePjpkd;wj;jhy;
tpLjiy nra;ag;gl;ldH.
khehLfspy;> NjHjy; gpur;rhuq;fspy;
NjhoHfs; gpufh\; fuj;> gpUe;jh fuj;>
rPjhuhk;
nar;#hp
cs;spl;l
gy
jiytHfspd;
Nkil
Ngr;ir
clDf;Fld; nkhopahf;fk; nra;tjpy;
ty;ytH.
Nfus khepy rpIbA+
mikg;gpd; rpwg;G miog;ghsH mtH.

mYtyfg;gzpNahL>
r%fg;
gzpfspy; <Lgl;L te;j mtUila gzp
Xa; T f;
fhyk;
KOikahfTk; >
kfpo;r;rpNahLk; xU r%f khw;wj;jpw;fhd
gazj;ij njhlUk;> njhluNtz;Lk; vd
fhg;gPl;Lf; fof CopaH rq;fk;> jQ;irf;
Nfhl;lk; tho;j;JfpwJ.

rpy;yhf;F
tpehafH Chtyk; elj;jyhk;
iul;lh............................... iul;L
`pe;Jf; Nfhtpy;fs; ,Uf;fyhk;
iul;lh ..............................iul;L
MH v]; v]; jiytHfs; ciuahw;wyhk;
iul;lh ............................iul;L
,lxJf;fPl;Lf;F nkhl;il Nghlyhk;
iul;lh .............................iul;L
nkhl;ilf;fLjhrp Nky eltbf;if
vLf;fyhk;
iul;lh ...........................iul;L
mk;Ngj;fH ngupahH thrfH tl;lk;
elj;jyhk;
iul;lh .....jg;G.. jg;G... jg;G...

re;jpunrfu ghujp

md;whl tho;tpy; murpay; gFjp mLj;j ,jopy; ,lk;ngWk;.

,izaj;jpd; %yk; kpff;Fiwe;j gphpkpaj;jpy; fhg;gPL toq;fg;gLtjhfj; jdpahH
epWtdq;fs; tpsk;guk; nra;jhYk;> kUj;Jtg; ghpNrhjidf;Fg;gpd; mjpf mstpy;
$Ljy; gphpkpak; epHzapf;fg;gLtjhf vfdhkpf; ilk;]; $WfpwJ.

\ & h[ 2015

z_

M_ k BV!
cz;ikapy; vdJ njhz;L rhjp
xopg;Gj; njhz;Ljhd; vdr; nrhd;dtH
nghpahH.
rhjpia
vJnty; y hk;
fhg;ghw;wpaNjh
mijnay;yhk;
vjpHj;Jg; gpur;rhuk; nra;jhH. kjk;>
rh];jpuk;> flTs; vjpHg;Gf; fUj;Jf; fis
mtH
mjpfk;
NgrpaJ
vdf;Ff;
mjdhy;jhd;.
fz;iz
cWj;jpf;
nfhz;L
,Ug;gJ
jho;j;jg;gl;l> gpw;gLj;jg;gl;l kf;fspd;
,opjd; i kfs; j hd; .
mtHfisr;
Rje;jpuk; milar; nra;tNj vd; fz;
Neha;ff
; hd jPHT vd;gijj;
njspthfr; nrhd;dtH mtH.
me; j
yl; r paj; J f; f hfg;
NgrpatH>
NghuhbatH.
mjpy; rpW gFjpjhd; flTs;
kWg;G.
'rhjpia
kjk;
fhg;ghw;WfpwJ> kjj;ijf;
flTs; gilj;jhH vd;why;>
mg; g bg; g l; l
flTSk;
kjKk; Njitah? vd;Nw
mtH Nfl;lhH.
flTs; ,y;iy vd;W eh jOk;Ngwp
ehj;jpfj;ijg; gpur;rhuk; nra;j nghpahH>
flTs; ek;gpf;if nfhz;ltHfSf;Ff;
nfhLj;j
Kf;fpaj;Jtk;
epr;rak;
vd;
ftdpf;f
Ntz;baJ.
mgpg;gpuhaj;ij kWf;f cq;fSf;F
chpik
cz; L .
Mdhy; >
vd;
mgpg;gpuhaj;ij
ntspapl
vdf;F
chpik cz;L vd;gJjhd; nghpahhpd;
elj;ij.jdJ fUj;Jf;F vjpuhdtHfs;
midtiuAk; jd;idtpl caHthf

kjpj;jtH mtH.
jhd; elj;jpa mehij ,y;yj;jpy;
nghpahH cl;fhHe;J ,Ue;jhH. mtiur;
re;jpf;f
te;j
fy;tp
newpahsH
ne.J.Re;jutbNtY
Ngrpf;nfhz;L
,Ue;jhH. flTs; tho;j;J vd;w ghliy
me;jg; gps;isfs; thrpj;jij ne.J.R.
ftdpj;J> cq;fs; gps;isfs; kl;Lk;
flTs; tho;j;J gbf;fpwhHfNs? vd
nghpahhplk; Nfl;lhH. Mjhpf;f Ms;
,y;yhj mehijg; gps;isfs; ,tHfs;.
NrhW
Nghl; L f;
fhg; g hw; W fpNwd;
vd;gjw;fhf
ehj;jpfj;ij
mtHfs; jiyapy; jpzpf;ftpy;iy.
taJ te;jhy;
mtHfs; gbj;Jj; njhpe;J
nfhs; t hHfs; .
jq; f s;
rpe; j idahy;
mtHfs;
ehj;jpfHfshdhy; rhp vdr;
nrhd;d gz;G> ,d;W ek;
jkpo; r ;
r%fj; j plk;
,Uf;fpwjh?
mg;NghJ
nghpahH
nrhy;yp mbfshH FYq;fpr; rphpj;j
N[hf;: 'vdf;Fk; flTSf;Fk; vd;d
Kd; t pNuhjkh?
ehd;
mtiug;
ghHj;jJ$l ,y;iy!'
mbfshiug;
ghHf; f >
mtuJ
Fd; w f; F b
klj; J f; N f
nghpahH
xUKiw
NghdhH.
mtUf;F
itjPfkhf G+uzf; Fk;g khpahij
jug;gl;lJ. mbfshH> khpahijapd;
milahskhf tpG+jpia
vLj;Jg;

fhg;gPl;L epWtdq;fspd; KftHfs; t#ypf;Fk; gphpkpaj; njhiff;F xg;Gif

(Acknowledgement) toq;FtJ Fwpj;j tpjpKiwfis IRDAI ntspapl;Ls;sJ. Mdhy;
,JTk; t#ypf;f mq;fPfhuk; ngw;w KftHfSf;Nf nghUe;Jk;.
6

z_

\ & h[ 2015

G+rpdhH.
nghpahH
mopf;ftpy;iy. rpy
ehl; f s;
fopj; J
nghpahhplk;
xU
njhz; l H
Nfl; l
NghJ>
'tpG+jpia
ehd;
vLj;Jg;
G+rpf;nfhs;stpy;iy
mbfshHjhd;
G+rp
tpl;lhH.
mg;NghJ
jiyiaj;
jpUg;GtJ
mtiu
mtkjpg;gJNghy;
Mfhjh?'
vdf;
Nfl; l hH.
mLj; j tH
czHTf; F
khpahij nfhLj;J ele;jthpd; glj;ij
,d;W rpWePuhy; mtkjpf;fpwhHfs;.
gpuhkz
JNt\p
vd
mtH
J}w;wg;gLfpwhH. cz;ikapy;> mtH
rhjp JNt\pjhNd jtpu>
Fwpg;gpl;l
xU rhjpapd; JNt\p my;y. vy;yh
rhjpfisAk; mjd; Mztj;ijAk;
fz;bj;jtH. rpyH 'jq;fis Mz;l
guk; g iu'
vdr;
nrhd; d NghJ>
'gl;lhsj;jpy; ,Ue;j vy;yhUk; Mz;l
guk;giujhd;' vd nej;jpab mbj;jtH.
kfh nghpatH fhQ;rp re;jpuNrfu
];thkpfs; kapyhg;G+Uf;F te;jNghJ>
jpuhtplH fofj;jpdH mq;F FOk>
urhghr #oy; Vw;gl;lJ. miu kzp
Neuj;jpy;
me;j
,lj;Jf;F
te;j
nghpahH> 'nghpatUf;Fg; ghJfhg;G
nfhLf;fNtz;baJ cq;fs; Ntiy'
vd jp.f-tpdUf;F mwpTWj;jpdhH.
ftpNahfp Rj;jhde;j ghujp jdJ
tPl;Lf;F te;jNghJ> G+l;lg;gl;Lf; fple;j
G+i[ miwiaj; jpwe;Jtpl;L> jl;by; G+
nfhz;Litj;jtH nghpahH. tlY}H
rj;jpaQhd rigf;F te;jhH. xUfl;lk;
tiu
te; j tH
N[hjp
vhpe; J

nfhz;bUf;Fk; ,lj;Jf;Fs; Eioa

kWj;jhH. mq;Nf> 'nfhiy> Giy
jtpHj;jtHfs; kl;LNk cs;Ns tuTk;'
vd
vOjg;gl;bUe;jJ.
vt;tsNth
typAWj;jpdhHfs;.
'ehd;
vy;yh
mirt
czitAk;
rhg;gpLgtd;.
cs;Ns tu khl;Nld;' vd kWj;j
khz;ghsH.
<Nuhl;by;
kspiff;fil
kz;b
itj;J ntWk; uhkrhkp ehaf;fuhf
nry;tj;jpy; Guz;L fplf;fhky;> mtH
jiynaOj;J... jkpoHfSf;fhf ,uTk;
gfYk;
ntapypYk;
kioapYk;
miye;J> Fly; ,wf;fk; fhuzkhf
khl;L tapWNghy njhq;fpa jd;
tapw;iwj; J}f;fpf;nfhz;L jphpe;J>
rpWePH fopf;f Kbahj epiyapYk;
%j;jpur; rl;bAld; Nkilapy; mkHe;J>
rpWePH gphpAk;Nghnjy;yhk; 'mk;kh...
mk;kh...' vd kuz mt];ijg;gl;L>
me;jf; fpotd; ghLgl;ljd; tpid
vd;d njhpAkh? mtuJ glj;Jf;F XH
,isQH nra;fpwhH rpWePH mgpN\fk;!
,e;jr; r%fj;jpy; jdf;F vt;tsT
chpikia vLj;Jf;nfhz;lhNuh> mNj
chpikia jdJ nfhs;if vjphpf;Fk;
toq;fpdhH.
Mdhy;>
mtH
ve;j
khpahijia
kw; w tHfSf; F f;
nfhLj;jhNuh mJ mtUf;Fj; jpUk;gf;
fpilf;ftpy;iy.
mijg;
nghpahH
vjpHghHj;jtUk; my;y. 'kdpj [Ptdplk;
ed;wpia vjpHghHg;gJ mwptpy;yhj
jd;ik' vdr; nrhd;d mtH> 'vdf;F
ahhplKk; ey;y ngaH thq;f Ntz;Lk;
vd;w
mtrpak;
,y;iy'
vd;Wk;
nrhd;dhH.
Vnddpy;> mth; bghpahh;!
-ed;wp: Mde;jtpfld;

eyf;fhg;gPL> Nkhl;lhH thfdf; fhg;gPL Mfpatw;wpy; KftHfs; %yk; vLf;fg;gLk;

ghyprpfis tpl ,izak; %yk; vLf;fg;gLk; ghyprpfNs mjpfk; njhlH gphpkpak;
nrYj;jp elg;gpy; cs;sjhf ghyprp g[hH jsk; $WfpwJ.

\ & h[ 2015

z_

yV\ aA x[ \VW \VV|

jkpo;ehL jPz;lhik xopg;G nyh. n#hd;!; -ghsu;
NjhoH.
Nf.
MLA
Kd;dzpapd; ,uz;lhtJ khepy
,uhjhfpU\; z d;
khehL 'jPz;lhik xopg;G ekJ
Nfusj; j py;
jypj; J fSf; F
ghij - rhjp vjpu;g;Ng ekJ ,yf;F'
vjpuhd xLf;F Kiwia ,lJrhhpfs;
vd;w Kof;fj;Jld; Nk 16-18 Njjpfspy; tPo;j;jpaijg;
Nghd;W
jkpofj;jpy;
Dr.
tpUJefupy;
eilngw;wJ.
j.jP.x.K. Kd;Ndw Ntz;Lk; vd;W
mk;Ngj;fhpd; Ngud;fspy; xUtuhd Dr. tho;j;jpdhu;.
NjhoH. Nf.tujuhrd;
Mde;j; nly;Lk;Nl khehl;by; Jtf;f (CPM
kj;jpaFO
cWg;gpdu;)
ciuahw;wpdhu;.
jPz;lhik xopg;NghL ,e; j pahtpd;
jj; J tq; f s;
vd; w
epd;Wtplhky; rhjp xopg;ig ,yf;fhff; jiyg;gpy; ciuahw;wpdhu;.
kDju;kk;
nfhz; L
nray; g l
Ntz; L k;
vd; w hH.
jiyikAiuapy; Njhou;.
gp.
rk; g j;
mtu; f s;
rhjpaj; i j
NtNuhLk; >
Ntub kz;NzhLk; xopj;J
Kd;NdWNthk;
vd;W
giwrhw;wpdhH.
mwpf;ifia
rku;g;gpj;J
nghJr;nrayhsH Njhou;.
Nf. rhKNty;uh[; NgrpdhH.
jkpofk; KOtJk;
245
fsg;gzpfs; eilngw;wp Ug;gjhfr; Rl;bfhl;bdhH.
kw; W k;
,e; j pahtpy;
Njhd; w pa
gQ;rkp epyk; kPl;G> murhiz 92 Ntjq;fspd; %ykhf rhjpak; kw;Wk;
mky; g Lj; j y; >
nfsutf;
nfhiy mbikj; jdq;fs; Njhd;;wp vt;thW
vd;gij rhjp Mztf;nfhiy vdf; r%fj;ij rPHnflr; nra;jd vd;gJ gw;wp
Fwpg;gpl Ntz;Lk;> mk;Ngj;fu; fy;tp tpupthf vLj;Jiuj;jhu;.
ikak;
midj;J
khtl;lq;fspYk;
Gjpa jkpofk; fl;rpj; jiytu; Dr.
nray;gLj;j Ntz;Lk; vd;gJ cs;spl;l K.fpU\; z rhkp
MLA,
tpLjiy
gy;NtW fUj;Jf;fs; mwpf;if kPjhd rpWj;ijfs; fl;rpapd; khepyr; nrayhsH
tpthjj;jpy; Ngrg;gl;ld.
jpU.utpf;FkhH> Mjpj;jkpoH Nguitapd;
jypj;
xLf; F Kiw
tpLjiy jiytH jpU. ,uh. mjpakhd; MfpNahu;
Kd;dzpapd; mfpy ,e;jpa xUq;fpizg; khehl;il tho;j;jpg; NgrpdH.
,izak; %yk; tpw;gidahFk; nghJf;fhg;gPl;Lg; ghyprpfs; njhlHe;J elg;gpy;
,Ug;gij Cf;fg;gLj;j jdpahH epWtdq;fs; njhlH gphpkpaj;jpy; js;Sgb Kjyhd
rYiffis toq;Ffpd;wd.
8

z_

\ & h[ 2015

fsj;jpy; rhjpa xLf;FKiwf;F vjpuhfg;

Nguhba fsg;gzpahsHfs; ghuhl;Lg;
ngw;wdH. NjhoH. Nf. ghyfpU\;zd;
mtHfs; fsg; Nghuhspfis
MLA
nfsutpj; J
tho; j ; j pg;
NgrpdhH.
Dr.mk;Ngj;fhpd; 125tJ gpwe;jehis ehL
KOtJk; muR tphpthff; nfhz;lhl
Ntz;Lk; vd;gij typAWj;jp Kjy;
jPu;khdk;
epiwNtw;wg;gl;lJ.
rhjpa
Mztf; nfhiyfisj; jLf;fj; jdpr;
rl;lk;> td;nfhLikj; jLg;Gr; rl;lj;ij

typAWj;jp> gQ;rkp epyj;ij kPl;L

jypj;Jfsplk;
xg;gilg;gJ>
murhiz 92I mky;gLj;jpl> kiytho;;
kf; f spd;
epyq; f is
tdj; J iw
gwpg;gij jLj;jpl> jdpahu; Jiwapy;
,lxJf;fPl;il
typAWj;jp
jPu;khdq;fs; epiwNtw;wg;gl;ld.
khehl; b d;
epiwthf
Mapuf;
fzf;fhd kf;fs; gq;Nfw;w khngUk;
NguzpAk; NghJf;$l;lKk; eilngw;wJ.
600f;Fk; Nkw;gl;l AIIEA NjhoHfs;
fye;J nfhz;ldH.
CPM fl;rpapd;
nghJr;
nrayhsH
NjhoH.rPj;jhuhk;
nar;#hp MP mtu;fs; NgRifapy;

Nfushtpy;
,lJrhupfs;
typik
Ngw;wpUe;jjd; fhuzkhf jPz;lhikf;F
KbT
fl; b apUg; g ijg;
Nghd; W
jkpofj;jpy;
j.jP.x.K.
jPz;lhik
nfhLikfSf;F
vjpuhf rpwg;ghf
nray;gLfpwJ
vd;whH.
jypj;
kf;fSf;Fr; rkkhd cupik kw;Wk;
kjpg;ig
Vw;gLj;j
fhq;fpu];
Kd;tutpy;iy.
rhjpaj;jpd; %ykhf
tu;zhrpukj;ijf;
filg;gpbf;Fk;
gh.[.f.Tk; ngw;Wj; juhJ> rkePjpf;fhf
fk;A+dp];l;
fl;rp
kl;LNk
Nghuhb
tUfpwJ
vd;whH.
jdpahu;
JiwapYk;
,lxJf;fPL
toq;fg;gl
Ntz;Lk;> Dr.mk;Ngj;fu; 125tJ
gpwe;j jpd epfo;it nahl;b
ghuhSkd; w
rpwg; G f;
$l; l j; i jf;
$l; b
jypj;
kf;fspd;
jPu;f;fg;glhj
gpur;ridfs; gw;wp tpupthf
tpthjpj;J r%f> nghUshjhu
tpLjiy
Ntz;Lk;
vd;W
miw$ty; tpLj;jhu;.
j.jP . x.K.f; f hd
,izajsk;
vDk;;
KftupNahL
www.tnuef.org
Jtq;fg;gl;Ls;sJ.
jiytuhf
gp.rk; g j; >
nghJr;
nrayhsuhf
Nf.
rhKNty; u h[; >
nghUshsuhf b.nre;jpy;FkhH (SZIEF
,izr; nrayhsH)> khepy nrayhsuhf
NjhoH.Nf.Rthkpehjd; (SZIEF nghJr;
nrayhsH) MfpNahH Nju;e;njLf;fg; gl;Ls;sdu;.
Kd;dzpj;
AIIEAtpd;
NjhoHfs;
gy;NtW
khtl;lq;fspy;
j.jP.x.K. nghWg;ghsHfshfr; nray;gl;L
tUfpd;wdu;.

mjpf mstpyhd nghJf;fhg;gPl;Lg; gphpkpak; t#y; nra;J kfhuh\;buh Kjy;

,lj;jpy; cs;sJ. mNj Neuj;jpy; nghJf;fhg;gPl;L mlHj;jpapy; (kf;fs; njhif>
gphpkpa tpfpjk;) GJ nly;yp Kjy; ,lj;jpy; cs;sJ.

\ & h[ 2015

z_

V_k>_VD VF
(>V_VE WE)

nklk; : nrhy;tnjy;yhk; ngha;

fz;LGbr;rPq;fd;D
njhpQ;r
epfo;r;rpapNy mLj;jjh ehk
NghJ...
xq; f s
vq; f
re;jpf;fg; Nghw Kf;fpakhd ehl;Lg;g[wj;jhd; Ch; tp[a rhe;jp khjphp
egh; jpUkjp. ];Ujp Fuhdp
nedr;rp re;Njh\g;gl;Nlhk;...
thq;fk;kh... tzf;fk;...
vg;gbk;kh... ,g;gb...??
!;Ujp Fuhdp : ek];j;Nj [P...
!;Ujp Fuhdp : Kd;dhs; ebifq;fpwJ nklk; : gp]; j ; N jk; k h...
,JTk; [ P dhy... vd;dhy <]pah Nfkuht
fz;LGbr;rpw KbAk; Nklk;...
jhd; Mdh jkpo;y...
!;Ujp Fuhdp : fz; L Gbr; r pl; N ld; . .. nklk; : X...!! fj mg;gbg; NghFjh...??!!
fz;LGbr;rpl;Nld;...
!;Ujp Fuhdp: nkhjy;y... Nfkuhtg;
ghj;j xlNd Make-Up rhpah
nklk; : vd;dj;jk;kh mg;gb
,Uf; f hd; D Check gz; z
fz;LGbr;rPq;f...
Muk;gpr;rpl;Nld;...
mg;Gwe;!;Ujp Fuhdp : Nfkuhtjhd; . ..
jhd;
ehd;
,g;
g
ebif
vt;tsT nghpa Nfkuh... xU
apy;iy... ke;jphpd;D Qhgfk;
kj; j pa
mikr; r iuNa
te;Jr;rp...
ufrpakh...
Mghrkh...
glk;
nklk; :
k;f;Fk;...
mjhd
Gbf;fpwPq;fsh...?
ghh;j;Njd;... rhp rhp... fth;dh;
nklk; : mikjp... mikjp... ,J
-fSf;nfy;yhk;
epiwa
Nfhth ,y;y... jkpo;ehL...
fl; L g; g hLfs;
nfhz; L
mg;Gwk; ,J xd;Dk; l;nu];
te;
j
pUf;
f
P
q
;
f
NghyUf;
Nf...
khj;Jw
&k;
,y;y...
!; U jp Fuhdp:
Mkhk; . ..
nrhy;tnjy;yhk; ngha;... TVMkhk;
.
..
ke;
j phpfNs
apy xspgug;ghFw epfo;r;rp...
ntspehLfSf; F
Rygkh
jk; g p...
ahUg; g h
mJ
Nghf
Kbay...
,Jy
,e;j
mk;khTf;Fj; jz;zpa FL...
fth; d Uq; f
kl; L k;
gjtpiag;
jz;zpaf; FL...
gad;
g
Lj;
j
p
mbf;
f
b
ntspehL
^h;
!;Ujp Fuhdp : X...
]hhp...
ehd;
Nghdh... tpl;LUtkh...??!!
nfhQ;rk; czh;r;rp trg;gl;Ll;Nld;...
nklk; : ghj;Jk;kh...
nuhk;gg; nklk; : mJ rhp... mjhd; cq;f
nghq;fpug; NghTJ... mJrhp... ePq;f jiyth; vy;yhj;Jf;Fk; Nrh;j;J tr;rp
gwe; J fpl; N l
NfhthTy
#g;guh
Nfkuht ntspehLfSf; F g;
,Uf;fhNu... /gpuhd;];... n[h;kdpd;D...
Nfhug;glhj njhiffisj; jdpf; fzf;fpy; guhkhpf;f Ntz;Lk; vd;Wk;>
mtw;wpypUe;J tUk; KjyPl;L tUkhdj;ijAk; mNj fzf;fpy; itj;jpUf;f
Ntz;Lk; vd;Wk; fhg;gPl;L epWtdq;fSf;F IRDAI Rw;wwpf;if mDg;gpAs;sJ.
10

z_

\ & h[ 2015

!;Ujp Fuhdp : mg;gb Nghdh jhd

Nghh; tpkhdq;fs; vy;yhk; thq;f
KbAk;... mg;gb thq;Fdhjhd....
nklk; : Mkh...
Mkh...
ntWk;
Jg; g hf; f papy
mg; g htpj;
jkpo; j ;
njhopyhspfis Rl;lJ gj;jhJd;D
,d;Dk; Nghh; tpkhdq;fis thq;fp
te;J RLq;f...
!;Ujp Fuhdp : f t i y g ; g l h j P q ; f >
mJf;nfy;yhk; rl;lg;gb eltbf;if
vLf;fg;gLk;...
nklk; : vq;fk;kh... cq;f Kf;fpa
jiyth; xUj;jNu kdpj chpik
thjpfisg;
gj;jp
tpkh;rdk;
nrQ;rpUf;fhh;...
!;Ujp Fuhdp : X!! me;j Me;jpuh
fhuuh...!!!
,j
nghpRgLj;jhjPq;f...
kj;jgb ehNl mikjpg; g+q;fhthj;jhd;
,Uf;FJ...
nklk; : vq;fk;kh mikjp ,Uf;FJ...??
Nkw;F
tq;fj;Jy
91
taJ
fd;dpah];j;hpia
fw;gopr;rpUf;fhq;f.
ehl;Ly vq;f ghj;jhYk;... kdpj
chpikia fhy;y Nghl;L eRf;fpf;fpl;L
jhd; ,Uf;fhq;f...
!;Ujp Fuhdp : mJ gq;fshNj\;y

,Ue; J
CLUtpa
jP t puthjpfs;
gz;zpa Fj;jk; Nklk;...
nklk; : Vd;... ,Jy Mh;.v];.v];
fhuq; f Sf; F k;
gq; f pUg; g jhf
nrhy;whq;fNs...
!;Ujp Fuhdp : ,njy;yhk; fz;Lf; fhjPq;f...
vq;fshyNa
mtq;fs
fz;l;Nuhy; gz;z Kbay... ePq;f
Ntw...
nklk; : mlg;ghtpfsh...
epoy;
Ml;rpjhd; elf;FJq;fpwj eh#f;fh
nrhy;whq;fNs... mJ ,Uf;fl;Lk;...
rikay;
vhpthATf;fhd
khdpak;
thq;Fwj iftplDk;D cq;f jiyth;
kf;fs Nfl;Lf;fpl;L ,Uf;fhNu...??!!
!;Ujp Fuhdp : m g ; g j h d
nrytf;
fl;Lg;gLj;j KbAk;...
nklk; : fl; L g; g Lj; j p...
mijAk;
fhh;g;gNul;LfSf;F nfhLf;fZkh...??
Vw;fdNt ,e;j gl;n[l;Ly 5 yl;rj;J
90 Mapuk; Nfhb &gha;f;F thpr;rYif
nfhLj;jpUf;fPq;f...
!;Ujp Fuhdp : vd;dq;f
gz;wJ...
,g;gb mtq;fSf;F ms;sp ms;sp
nfhLj;jhjhd
vq;fSf;Fk;
vq;f
fl;rpfSf;Fk; mtpa;q;f nfhQ;rk;
fps;spahtJ jUtha;q;f...
nklk; : vd;dk;kh ,g;gb mg;gl;lkh
elf;FNjk;kh... mJ rhp... Gdpj
nts;sp><];l;lh; Nghd;w fpwpj;Jt kj
tpLKiw ehl;fspy;$l ePjpgjpfs;
khehL...
tpUe; J d; D
elj; j p
fpwp]; J t
kf; f spd;
kdij
Gz;gLj;JwPq;fNs!!!

Nfhug;glhj njhiffisj; jdpahff; fhl;l Ntz;Lnkd;W 2010y; Kjd;Kiwahf

IRDAI Rw;wwpf;if mDg;gpaJ. 2009-10y; &.1373 Nfhbahf ,Ue;j Nfhug;glhj njhif
2012-13y; &.4866 Nfhbahf caHe;jJ.

\ & h[ 2015

z_

11

!;Ujp Fuhdp :
vd; d q; f
,g; g b
nghRf;Fd;D
nrhy;ypg;Gl;Bq;f...
gpujkUf;F
Neuk;
,Uf;Fwg;gjhd
khehl;Lf;F tuKbAk;... mjhd;...
nklk; : m l g ; g h t p f s h . . . .
,Nj
khjphp... jPghtspad;idf;F khehL
elj;Jdh mDkjpg;gPq;fsh...??
!;Ujp Fuhdp : mnjg;gbq;f KbAk;...
nklk; : vd;dk;kh... ,J nfhLikah
,Uf;FNj...
ehL
KOtJk;
fpwpj;Jth;fs; kw;Wk; K];yPk;fSf;F
vjpuhd eltbf;iffs;... fl;lhakhf>
fpwpj;Jt K];yPk; kf;fis ,e;J
kjj;Jf;F khw;Wk; eltbf;iffs;...
ehL KOtJk; kdpj chpik kPwy;fs;...

ek;k ehL vq;fk;kh Nghapl;bUf;F...

!;Ujp Fuhdp : Nklk;... vq;fSf;F
gpd; d hb
,Ue; J
nrhy; w tq; f
nrhy;wJy... gj;J rjtPjk; $l ehq;f
epiwNtj;j Kbay... ,Jf;Nfth...
nklk; : k f ; f s ;
,ijnay;yhk;
ftdpf;f khl;lhq;fd;D neidf;fpwPq; fshk;kh...
!;Ujp Fuhdp : mlNghq;f Nklk;...
ml;ra jpUjpiaf;F eif thq;FwJ...
IPL Nkl;ir ghf;FwJd;D... kf;fis
ehq;fSk;... kPbahf;fSk; vg;gTNk
gp]pahNt tr;rpUg;Nghk;... ePq;f Ntw...
nklk;
:
vd;dk;kh...
,g;gb
gz;wPq;fNsk;kh...??!!

njhHh;. t. nrJuhkd;
fle;j 23.05.2015 md;W ngq;fShpy; eilngw;w mfpy ,e;jpa
mwptpay; ,af;fj;jpd; khehl;by; Nfhl;lr; rq;fj;jpd; ,izr;
nrayhsH NjhoH
t. NrJuhkd; mtHfs; kPj;Njd; jpl;lj;jhy;
Vw;gLk; ghjpg;Gfs; Fwpj;j xU mwpf;ifia Kd; itj;Js;shH.
NjhoUf;F ekJ ghuhl;Lf;fs;> tho;j;Jf;fs;.

z_ SMS : 81 481 82 385

ed;wp!
tUfpw 30.06.2015 md;W jpUj;Jiwg;
G+z;b fpis caHepiy cjtpahsuhfg;
gzpahw;Wk; NjhoH mkh;rp'; vy;.I.rp
gzpapypUe;J Xa;T ngWtijnahl;b
jdJ md;gpd; ntspg;ghlhf &.5000
ed;nfhilahfr; rq;fj;jpw;F toq;fp As;shH.
fle;j 31.05.2015 md;W
mhpaY}H fpisapy;
cjtpahsuhfg;
gzpahw;wp Xa;T ngw;w
NjhoH

Rg;ukzpad; Nfhl;lr; rq;fj;jpw;F &.1000

ed;nfhil toq;fpAs;shH. Fk;gNfhzk;
1 fpisapy; fhrhsuhfg; gzpGhpe;J Xa;T
ngw;w NjhoH v!;. ,uhn#e;jpud; jdJ
gzp
Xa;tpidnahl;b
rq;fj;jpw;F
&.5000/- ed;nfhilahf toq;fpAs;shH.
NjhoHfSf; F
ekJ
ed; w piaj;
njhptpj;Jf; nfhs;fpNwhk;.

fle;j Mz;L> &.1000f;F mjpfkhd Nfhug;glhj njhiffspd; gl;baiy fhg;gPl;L

epWtdq;fs; ,izaj;jpy; ntspaplNtz;Lnkd;W IRDAI mwpTWj;jpaJ. mjpYs;s
tpguq;fspd; mbg;gilapy; thbf;ifahsHfs; jq;fs; njhifiaf; Nfhuyhk;.
12

z_

\ & h[ 2015

D m V^kVD...
murpay; epHza rigapy; ele;j
tpthjq;fspd;
rpy
Kf;fpa
mk;rq;fisg; ghHg;Nghk;.
1. chpikfs;
gw;wp:
Rje;jpukhd
chpikfs; gw;wpa tpthjj;jpy; fl;lha
Ntiy thq;FtJ kw;Wk; tpUg;gkw;w
mbikj;jdj;ij> mJ ve;j tbtj;jpy;
,Ue;jhYk; jil nra;a Ntz;Lk; vd;w
fUj;J Kd;itf;fg;gl;lJ. mg;NghJ
FWf;fpl;Lg; Ngrpa mk;Ngj;fH>
fl;lha uhZt Nritf;Nfh>
r%fg;
gzpfSf;Nfh
muR
miog;gjw;F ,J jilahf
,Uf;ff;
$lhJ
vd;gijj;
njspT gLj;jpdhH.
2. kjkhw;wk; gw;wp: ve;j xU
egiuNah my;yJ 18
taJf;Ff;
fPohd
ikdiuNah>
Nkhrb
%yk; epHg;ge;jk; my;yJ
jfhj nry;thf;fpd; %yk;
xU kjj;jpypUe;J kw;nwhU
kjj;jpw;F nra;ag;gLk; khw;wk;
vJTk; rl;lj;jhy; mq;fPfhpf;fg;gl
khl;lhJ vd;W xU jpUj;jk; Kd;
itf;fg;gl;lJ.
,J gw;wpa tpthjj;jpy; mk;Ngj;fH
itj;j fUj;Jf;fs;:
i)
Foe;ijfs; %d;W tifapdH.
ngw; N whH
,y; y hj
mdhijf;
Foe;ijfs; xU gphptpdH. ,e;j 18

taJf;Ff;
Fiwthd
,j;jifa
mdhijf; Foe;ijfs;kPJ md;ghd
Kiwapy; mf;fiw nfhs;Sk; xUtH
vt;tpj kjNghjidAk; nra;af;$lhjh
vd;W mk;Ngj;fH Nfs;tp vOg;gpdhH.
ii) mLj;j gphpTfspy; ngw;NwhH fisAk;>
ghJfhtyHfshfTk;
nfhz;Ls;s 18 taJf;Ff; fPohd
Foe; i jfspd;
epiy
gw; w pg;
ghHf;fyhk;.
rl;lg;gbahd fhg;ghsH fisg; ngw;Ws;s ikdH
Foe; i jfs;
me; j r;
rl;lg;g+Ht fhg;ghsHfSf;Fj;
njhpahky;>
mtHfspd;
rk;kjk;
,y;yhky;
kjk;
khw;wk; nra;tjw;Fj; jil
,Uf;f Ntz;Lk; vd;fpw mNj
Neuj;jpy;>
fhg;ghsH
xg;GjYld;
kjkhw;wk;
nra;ayhk;
vd;whH
mk;Ngj;fH.
mNjNghy> 18 taijj;
jhz;ba
epiyapYs;s
ngw;NwhH kjk; khwpdhy; mtHfsJ 18
taJf;Ff; fPohd Foe;ijfspd; epiy
vd;d
vd;W
Nfs;tp
vOg;GfpwhH
mk;Ngj;fH.

>Vz] - 26/2

\ & h[ 2015

z_

V. B>V
13

cjhuzj;jpw;F
xU
ngw;NwhH
fpwpj;Jt
kjj;jpw;F
khw;wk;
nra;ag;gLfpwhHfs; mtHfsJ Foe;ij
kuzk; milfpwJ. fpwpj;jt kj
Nghjidfspy; tsHe;Js;s ngw;NwhH>
,we;j jq;fs; Foe;ijiaf; fpwpj;jt
Kiwg;gb mlf;fk; nra;tJ rl;lg;gbf;
Fw;wkhFkh vd;W mk;Ngj;fH Nfs;tp
vOg;gpdhH. mNj Nghy> ,tHfsJ
kfSf; F f;
fpwpj; j t
Kiwg; g bj;
jpUkzk; eilngw;why; mJ jpUkzr;
rl;lg;gbr; nry;Ykh vd;Wk; tpdTfpwhH
mk;Ngj;fH.

apdUf;F vjpuhfr; nray;glhJ vd;W

fyhr;rhu kw;Wk; fy;tp chpikfs; gw;wp
Kd;itf;fg;gl;lij
Vw;fhky;
kWghprPyidf;F mDg;Gk; Kaw;rpia
Ml;Nrgpj;jhH mk;Ngj;fH. ghfp];jhdpy;
rpWghd;ikapdH vg;gb elj;jg;gL fpwhHfs; vd;W ghHj;Jf; nfhz;L
mjw;Nfw;g ,q;Nf nra;ayhk; vd;fpw
nghUNshL
Kd; i tf; f g; g l; l
,f; f Uj; i j
vjpHj; j
mk; N gj; f H>
jhHkPfhPjpapy; vJ rhpNah mijj;jhd;

ngw;NwhH
kjk;
khwptpl;lhy;>
mtHfsJ
5
taJ
Foe;ijia
mtHfsplkpUe; J
gphpj; J tplyhkh
vd;Wk; mk;Ngj;fH Nfs;tpnaOg;gpdhH.
,jd; tpisthf> rl;lg;gbahd>
rl;lhPjpahd
ghJfhtyHfisg;
ngw;Ws;s
Foe;ijfisg;
ngw;NwhUf;Fj; njhpahky; kjkhw;wk;
nra;af;$lhJ
vd;w
tpjpia
Vw; g Lj; J tJ
Fwpj; J
tpthjpf; f
MNyhridf; FOtpw;F ,j;jpUj;jk;
mDg;gg;gl;lJ.
1.
rpWghd; i kapdH
gw; w p:
rpWghd;ikapdhpd; nkhopfs;> vOj;J
tbtk;> fiy Mfpait ghJfhf;fg; gLk;. murpd; fy;tp epWtdq;fspy; Nru
kj>
r%f>
nkhop
mbg;gilapy;
ghugl;rk; fhl;lg;glkhl;lhJ. vy;yh
rpWghd;ikapdUf;Fk;
jhq;fs;
tpUk;Gk; fy;tp epWtdq;fis mikj;J
epHtfpf;f Rje;jpuk; cz;L. muR
khdpak; toq;Ftjpy; rpWghd;ik -

ehk; nra;aNtz;Lk; vd;W $wp ,e;j

Kd;nkhopit mg;gbNa Vw;fNtz;Lk;
vd;W thjpl;lhH mk;Ngj;fH.
2. NjHjy; fkprd; gw;wp: NjHjy;
fhyj;jpy;
NjHjy;fis
mr;rkak;
mjpfhuj;jpy; ,Uf;Fk; murhq;fj;jpd;
nghWg;gpypUe;J NjHjy;fis elj;Jk;
gzp mfw;wg;gl;L FbauRj; jiytuhy;
epakpf;fg;gl;l Ra mjpfhuk; nfhz;l
fkprd; elj;j Ntz;Lk; vd;gij
mk;Ngj;fH typAWj;jpdhH.

A+ypg; ghyprpfspd; ruz;lH fl;lzj;Jf;F cr;r tuk;G epHzapf;fg;gl;ljhy; jdpahH

Mas; fhg;gPl;L epWtdq;fs; jq;fspd; yhgk; 2.9% msTf;Ff; Fiwe;Js;sjhff;
ftiy njhptpj;Js;sd.
14

z_

\ & h[ 2015

mbg;gil chpikfs; cgFO>

rpWghd;ikapdH cgFO> tlNkw;F
vy;iy kiytho; kf;fs; tl;lhu
cgFO> tplg;gl;l tl;lhuq;fs; cgFO
vd; W
ehd; F
cgFOf; f s;
50
cWg;gpdHfisf; nfhz;L mikf;fg; gl;ld. ,jpy; Kjy; ,uz;L FOf;fspy;
mk;Ngj;fH cWg;gpduhf ,Ue;jhH.
,e;j cgFOf;fspy; mk;Ngj;fH
nghWg; G lDk; >
MHtj; J lDk;
KONeuKk; nray;gl;lhH. Rje;jpuj;ij
tYg;gLj;jTk;>
chpa
rl;lq;fis
,aw;WtjpYk; mk;Ngj;fhpd; Nritia
fhq;fpu]; fl;rpapd; ngUk; jiytHfs;
ed;F czHe;jpUe;jdH.
tq;fhsg; gphptpid fhuzkhf
murpay; epHza rigapy; mk;Ngj;fH
,Uf;f Kbahj epiy Vw;gl;lNghJ>
mg;Nghija fhq;fpu]; fl;rp jdJ
Ntl;ghsuhf
mtiu
Kd;nkhopa
Kd;te;jJ.
lhf;lH uhN[e;jpugpurhj; ,jw;F
Kd;Kaw;rp
vLj;jhH.
mk;Ngj;fhpd;
Nritia
,of; f f; $ lhJ
vd; W
tw;GWj;jpdhH. vdNt Kd;G xJf;fp
itf;fg;gl;l
mk;Ngj;fH>
jw;NghJ
gk;ghapypUe;J
fhq;fpurpd;
Ntl;ghsuhfp>
cldbahfj;
NjHT
nra;ag;gl;lhH.

vjphp epiyapypUe;J
mjw;F mLj;J Rje;jpuk; ngWk;
rkaj; j py;
1947
Mf]; l ;
15y;
mikf; f g; g l; l
mikr; r uitapy;
NrUk;gb mk;Ngj;fiu gpujk ke;jphp

NeU miog;G tpLf;f> mij Vw;W

mk;Ngj;fH ,e;jpahtpd; Kjy; rl;l
mikr;rH MdhH.
murpay; rhrdj;ij cUthf;Fk;
flik mspf;fg;gl;l tiuTf;FOtpd;
jiytuhf
Mf];l;
29k;
Njjp
midtuhYk;
Vfkdjhf
NjHe;njLf;fg;gl;lhH mk;Ngj;fH.
fhq;fpurpd; xU gykhd vjphpahf
,Ue;j lhf;lH mk;Ngj;fH murpay;
mikg;G
tp\aq;fspy;
mtHfspd;
ez; g uhf>
rpj; j he; j
thjpahf>
topfhl;bahf khwpdhH.

fz;fs; ,uz;lhy;....
New;iwa new;wpf;fz;
khiyf;fz; MdJ ,d;W
jq;fj;jpy; Glk; Nghl;l
msT...
cr;r ePjp kd;w
rpfpr;irf;Fg; gpd;
njupAk;...
- re;jpunrfu ghujp

ruz;lH fl;lzq;fspypUe;J tUk; yhgk; ghjpahff; Fiwe;Jtpl;ljhfj; jdpahH

epWtdq;fs; njhptpj;jpUg;gjpypUe;J> fl;lz cr;rtuk;G epHzapg;gjw;F Kd;
,uz;L klq;F msTf;Fg; ghyprpjhuHsplkpUe;J t#ypj;Js;sd vd;W njhpfpwJ.

\ & h[ 2015

z_

15

Vm V |_D WkxD
%isia
ne]; N y
epWtdj; j pd; nr. bry;tuh#; ghjpj;J>
ke;jkhf;fpLk;
vd;gJk;>
jahhpg;ghd
khfp
E}Ly;ir
cly;gUkd;>
kd
mOj;jk;
xt;nthU
khepykhfj;;
jil
Mfpatw;iwf;
nfhLf;ff;
$baJ
nra;J tUfpd;wd.
gd;dhl;L gfhRu
fk;ngdpfspd; nfhs;is yhgj;jpw;F vd;gJk; jw;NghJ Ma;tpy; ntspahfp
,e;jpa Njrk; Ntl;ilf; fhlhfpwJ As;sJ.
vd;gjw;F jw;Nghija cjhuzk; khfp
yhgj;ijg; ngUf;fpl> E}Ly;rpd;
E}Ly;rpy; ne];Ny epWtdk; nra;J Ritiaf; $l;bl Nkw;fz;l ,urhadg;
tUfpw E}jd Nkhrb.
Nkfp E}Ly;]; nghUl;fs; NrHf;fg;gLfpd;wd. ,tw;iw
tpsk;guj;ij ghHj;j -TlNdNa mij GuNkhl; nra;Ak; J}JtHfshfg; gpugy
rhg;gpl Ntz;Lk; vd J}z;Lk;.
ebfHfs; >
tpisahl; L
tP u Hfs;
,d;iwf;F ehl;by; ngUk;ghyhd
Foe;ijfs; E}Ly;];f;F mbikfs;.
ngw;NwhHfNs> 'vd; gps;is E}Ly;];dh
mt;tsT rhg;gpLthd;...'> vd;W Kfj;jpy;
ngUkpjj;NjhL
nrhy;tijg;
ghHj; j pUf; f pNwhk; .
Vndd; w hy;
tpsk; g uj; j py;
E}Ly; r py;
ehHrj; J
cs;sJ. $Ljy; mstpy; fha;fwpr;
rj;J cs;sJ. NfhJik khtpy;
cs;s
rj;jpidg;
ngwyhk;...
vd;nwy;yhk; tUfpwNghJ> mjid ek;
gps;isfSk;
rhg;gpLfpwNj
vd;fpw
ngUikjhd;. NkYk; E}Ly;]; rhg;gpLtJ
vd;gJ xU /Ng\d;.
Mdhy; Nkfp
(,tHfSf;Fk; fhR fpilj;jhy; NghJk;
E}Ly;rpy; msTf;F mjpfkhd urhadg;
vd;fpw kNdh epiyNa jtpu tpt];ij
nghUl;fs;
fye;Js;sJ
jw;NghJ
VJk; fpilahJ) vd midtiuAk;
fz; L gpbf; f g; g l; L s; s J.
mNefkhf
gad;gLj;jpdH.
,J
Nghd;w
midj;Jj;
jha;khHfSf;FNk
,J
MNuhf;fpakw;w> er;Rj;jd;ik mjpfkhf
mjpHr;rpahd
nra;jpjhd;.
Nkfpapy;
cs;s czTfis ne];Ny epWtdk;
NkhNdhNrhbak; FShl;lNkl; kw;Wk;
Nghd;w gd;dhl;L epWtdq;fs; ,e;jpar;
fhhPak; Nghd;w Mgj;jhd urhadg;
re;ijapy; tpw;gJ> ,e;jpa kf;fis xU
nghUl; f s;
msTf; F
mjpfkhf
re;ij
nghUshfNt
ghHf;fpd;wdH
NrHf;fg;gl;Ls;sJk;>
mit
euk;G
vd;gij Ghpe;J nfhs;s Ntz;Lk;. ,e;j
kz;lyj;jpd;
,ay;ghd tsHr;rpia
ruz;lH fl;lzf;Fiwg;Gf;Fg;gpdhy; hpiyad;]; iy/g; 62.3%, lhlh VIV 36.2%,
gpHyh rd;iy/g; 23%, g[h[; miyad;]; 14.5%, vd;w mstpy; jdpahH
epWtdq;fspd; nkhj;j yhgk; Fiwe;Js;sJ.
16

z_

\ & h[ 2015

ne];Ny
epWtdj;jpd;
jahhpg;ghd
yhf; N lh[d; >
nrhpyhf; >
Nghd; w
Foe;ijfSf;fhd czTg; nghUl;fs;
vd;d
juj;jpy;
cs;sd
vd;gJk;
Ma;Tf;FhpaJ.
gd;dhl;L gfhRu
epWtdq; f spd;
<T
,uf; f kw; w
nfhs;isf;F ne];Ny xU cjhuzk;.
,bahg;gj;jpd; tho;Tjid E}Ly;];
ft;Tk;> kPz;Lk; ,bahg;gNk nty;Yk;
vd;W thl;]; mg;-gpy; te;j eifr;Rit
Nghd;W>
khfp-f;fhd
jil
MWjyspf;fpwJ.
Mdhy;>
,jidj;
jil nra;tjpy; midj;J khepyq;fSk;
xNu khjphpahf ,y;iy.
jil
nra;ag;gl;l khepyq;fspYk;> me;j xNu
xU Lot-y;jhd;> Batch-y;jhd; jtW
epfo;e;Jtpl;lJ vd;W rhf;Fr; nrhy;yp>
Fkhurhkp khjphp xUthplk; jilf;Fj;
jil ngwyhk;. gpd; ,d;Dk; rpwg;ghd>
ftHr;rpahd tpsk;guq;fSld; te;J ek;

fhrpy; ek; eyd; nfLf;fyhk;.

vt; t sT
nrhd; d hy;
vd; d .
NfhfNfhyh> ngg;rpapd; er;Rj;jd;ik
Fwpj;njy;yhk;
gf;fk;
gf;fkhf
vOjpahr; R .
kzpf; f zf; f py;
Ngrpahr;R. vj;jidg; NgH mtw;iwj;
jtpHf; f pNwhk; ?
,d; D k;
nfhQ; r
ehisf;Fg;
NgRNthk;
xU
ry;khd;fhNdh>
xU
\hUf;fhNdh
Clfq;fSf;Fj;
jPdp
NghLk;NghJ>
Nrhghtpy; rha;e;J nfhz;L E}Ly;irr;
rhg;gpl;Lf;
nfhz;Nl>
Nfhf;ifNah>
ngg;rpiaNah
Fbj;Jf;
nfhz;Nl
ghHf;fg; NghfpNwhk; vd;W ek;ikg; gw;wp
,e;jg; gfhRu epWtdq;fs; njspthd
Ghpjy; itj;Js;sd. mtw;iwj;jhd;
cz;ikahf;fg; NghfpNwhkh> my;yJ>
tpopj;njOe;J tpul;babf;fg; NghfpNwhkh
vd;gJ
ek;
ifapy;jhd;
cs;sJ.
tpopg;Nghk;! tpul;LNthk;!!

Mh;. ckhehj; epidt[ ehs; - jpUr;rp

&.6.5 yl;rk; Nfhb epjpf; ifapUg;ghf itj;Js;s njhopyhsH gpuhtplz;l; /gz;l;

epWtdk; (EPFO) Xa;T+jpa epjpiag; gq;Fr; re;ijapy; KjyPL nra;a mDkjp
mspf;fg;gl;Ls;sJ.

\ & h[ 2015

z_

17

z EB^ - 5
Acu.Hr.

fle;j khjq;fspy; HT8 ,uh. ,naRjh!; gak; >

mwpFwp
jhfk; .
SP3
(neUg; G + neUg; G )>
,tw;iwf;
nfhz;L
(epyk;+epyk;)> LU8 (fhw;W+fhw;W)
,k; % yfj; j pd;
Vw; w j; j ho; i t
Mfpa mf;F gq;rH Gs;spfs; ek; mwpayhk;.
clypy; vq;F cs;sd> mtw;iw ve;j
ePH %yfk; jd; gzpfis rpWePufk;>
rf;jpfspd; Vw;wj;jho;it rkg;gLj;j rpWeP H g; i g
%yk;
epiwNtw; w pf
njhl Ntz;Lk; vd;W ghHj;Njhk;. ;nfhs;fpwJ. clypw;Fj; Njitahd
jw;NghJ> ePH+ePH Gs;spahd KI 10 ek; eP H r; r f; j piag;
ngw; W >
mjd;
clypy;
vq;F
cs;sJ>
mij rkepiyiag;
guhkhpf;fpwJ.
,dg;
vf;Fiwghl;il rhpnra;a njhl;Lj; ngUf;f cWg;Gf;fisg; guhkhpf;fpwJ.
J}z;l Ntz;Lk; vd;w ufrpaj;ij
mwpe;Jnfhs;Nthk;.
gyhplk;
gfpHtjd;
%yNk
ufrpaq;fs; fhg;ghw;wg;gLk;! gyhplk;
gfpug; g lhj
fhuzj; j hNyNa
mw;Gjkhd kuGtop kUj;Jt Kiwfs;
kiwe;J Nghapd vd;gJ kUj;Jt
tuyhW.
ePH %yfg;gzpfSk;> Vw;wj;jho;thy;
Vw;gLk; njhe;juTfSk;
ePH %yfj;jpd;
Kf;fpa cWg;G
Jiz cWg;G
ntsp cWg;G
Rit
epwk;
Fzk;
mwpFwp;

rpWePufq;fs;
rpWePHg;ig
fhJfs;
cg;G
fUg;G
gak;
jhfk;

ePH %yfj;jpd; Kf;fpa cWg;G

rpWePufq;fs;>
Jiz
cWg;G
rpWePHg;ig> ntsp cWg;G fhJfs;.
,jd; - Rit cg;G> epwk; fUg;G> Fzk;

clypy; cs;s vy;yh %l;Lf;fSf;Fk;>

KJFj;
jz;bw;Fk;
Neubahf
rf; j paspf; f pwJ.
ngz; f spd;
fHg;gg;igiag; guhkhpf;fpwJ. jiyKb>
efq;fs;> vYk;Gfs;> gw;fs;> njhz;il>
Fuy;tis>
Fuy;
Nghd;wtw;iwg;
guhkhpf;fpwJ. clypd; vy;yhtpjkhd

gq;Fr; re;ijapy; KjyPL nra;tjpy; cs;s EZf;fq;fs;> gpur;rpidfs;

Mfpatw;iwf; fw;Wj;ju Ntz;Lnkd;W EPFO gq;Fr; re;ijapd; kpfg; nghpa
KjyPl;lhsuhd LICaplk; Nfhhpf;if tpLj;Js;sJ.
18

z_

\ & h[ 2015

Gs;spfspd; ,Ug;gplk; gw;wpa re;Njfq;fSf;F : 8903105814 ,uT 8.00 9.00

ePHr;Rug;Gf;fisAk; fl;Lg;gLj;JfpwJ.
kdpjdpd; MAisj; jPHkhdpf;Fk; mf
caph;r;rf;jpf;F ePH %yfk; Jiz
GhpfpwJ. ,jd; fopT ntspNaw;wk;
rpWePH %ykhf eilngWfpwJ.
ePH%yfj;jpd; ,e;jg; gzpfspy;
ghjpg; G
Vw; g Lk; N ghJ>
glj; j py;
cs;sgb> Koq;fhy; kbg;G Nuifapd;
cl;gf;f Xuj;jpy; mike;Js;s KI 10
(Kidney 10) Gs;spapy; gl;Lk; glhky;
tyJif Ml;fhl;b tpuy; Edpahy;
(Vw;nfdNt Fwpg;gpl;lthW> rpfpr;ir
jUk; kdj;Jld; NtnwhUtH) 10
nehbfs; kl;Lk; njhl;Lj; J}z;l
Ntz;Lk;.
Vw;nfdNt gyKiw Fwpg;gpl;lthW>
,aw;if tpjp kPwy;fisj; jtpHj;J>
53tJ

clypd; nkhopfshd grp> jhfk;>

J}f;fk;>
Xa;T
Mfpatw;wpw;F
kjpg;gspj;J> B> fhgp> ghy;> japH>
,urhad kUe;Jfs; jtpHj;J> Nehapd;
milahsq;fis kiwg;gjw;F gjpy;>
mjd;
mbg;gil
Njhw;Wtha;
fhuzq;fisf; fisNthk;.
fopTfs; ntspNaWtij Nehahff;
fUjp>
mtw; i w
ntspNawhky;
cs;NsNa mKf;fp itf;fpw xNu
kUj;Jt Kiwahd Mq;fpy kUj;Jt
Kiw jtpHj;J> kuG top kUj;Jt
Kiwfs; typAWj;Jk; fopT ePf;f
jj;Jtj;ij
czHe;J>
fopTfspd;
Njf;fNk Neha; vd;gijg; Ghpe;J>
mtw; i wj;
Njf; f hky;
cliyg;
ghJfhg;Nghk;.

nfhl;lr; r';f khehL j";irapy;

jQ;irf; Nfhl;lj;jpd; 53tJ khehL tUfpw [_iy 25 kw;Wk; 26 Mfpa Njjpfspy;

jQ;irapy; eilngwTs;sJ. khehl;by; njd;kz;ly nghJr; nrayhsH NjhoH
f. Rthkpehjd;> mfpy ,e;jpa ,d;#ud;]; CopaH rq;fj;jpd; Kd;dhs; ,izr;
nrayhsH NjhoH MH. Nfhtpe;juh[d; cs;spl;l Kd;dzpj; jiytHfs; fye;J
nfhs;sTs;sdH.

_ \V> zm Vl[ BV s^
,lkpUe;J tyk;: 1)Cjpa caHT 3)uh[h 6)Nkyit 8)kPj;Njd; 10)rpq;fg;G+H
12)GNd 16)Je;Jgp 20)Jk;(ig) 21)jpis 22)ehbah 24)m];jp 26)tl;l 27)kkij
NkypUe;J fPo;: 1)Cuhl;rp 2)khwd; 6)NkfjhJ 9)NjNd 17)Jis 24)mlk;
tykpUe;J ,lk;: 2)khNy 14)jhyp 15)Mfh 19)jtk; 23)lj;(Njh) 25)FU 30)rq;flk;
fPopUe;J Nky;: 4)[hjp 5)NeH 11)G+it 12)Gj;jp 13)ypq;(fk;) 18)gpfhH
26)tjjpe;(the;jp) 27)kUj;Jt 29)fj;jpehk;(ehj;jpfk;) 30)ruj;ahjt;
tl;lkpl;l vOj;Jf;fisr; NrHj;jhy; :

Akk, \[\> kD

ghuhSkd;wf; fl;blk;> midj;J mikr;rfq;fs; cs;spl;l Kf;fpa fl;blq;fSf;F

,aw;ifg; NguopTfSf;fhd fhg;gPL ngWtJ Fwpj;Jg; ghprPypf;FkhW cs;Jiw
mikr;rfk; kw;w mikr;rfq;fSf;Ff; fbjk; vOjpAs;sJ.

\ & h[ 2015

z_

19

JV> ...
fle;j
2008-y;
Vw;gl;l rp. ,uhkyp';fk; rk;ge;jkpy;iy. ,J nkhl;ilj;
kiyf;Nfhl;il
jiyf; F k;
Koq; f hYf; F k;
cyfg; nghUshjhuj; njhlH
fpis
Kbr;R NghLtjhFk;.
rhpTf;Fg;
gpd;
,d;#ud;];
%yjdk;
epWtdq;f Sf; F
%d;whtjhf> fle;j 2008 Kjy; 2015
Njitjhd;
vd; g jhd
Njhw; w k;
khHr; tiu vy;yh jdpahH epWtdq; Vw;gl;Ls;sJ. mjw;fhfNt murhq;fk; fSk; jdJ %yjdj;ij mjpfhpj;Nj
md;dpa KjyPl;L tuk;ig caHj;jp - cs;sd. ,e;j epiyapy; md;dpa Neub
As; s J
vd; W k;
thjplg; g LfpwJ. %yjd
tuk;igf;
$l;lNtz;ba
cz; i kapy; >
fhg; g P l ; L j; J iwapy; NjitNa ,y;iy. 2014-15-y; ghuj
%yjdk;
mtrpakw; w J.
,jid ];Nll; tq;fp> ek; ghujg; gpujkhpd;
tuyhW
ep&gpj; J s; s J. M];jpNuypag; gazj;jpd; tpisthf>
LIC apd;
Nghl;bapy;yhjjhy; vy;ma;rpf;F mJ mtuJ nkd;lhH mjhdp mtHfspd;
rhj;jpakhapw;W
vd;W
thjplyhk;. FOkj;jpw;F RkhH 6000 Nfhbastpw;F
Mdhy;> fLk; Nghl;bfSf;
M];jpNuypahtpy; KjyPL
fpilNa
nray;gLk;
nra; t jw; f hff;
fld;
ma;Nuhg;ghtpd; Kd;dzp
toq;FksTf;Fg;
gzk;
epWtdkhd> 2006 tiu
,Uf;Fk;
epiyapy;>
gu];gu
fhg;gPl;L
mjd; fhg;gPl;L epWtdj;
epWtdkhfNt
,Ue; j
jpw;F
KjyPL
nra;a
standard life-d; tuyhWk;
kl;Lk;
gzk;
,y;iy
,jidNa gjpT nra;fpwJ.
vd;gJ Vkhw;W Ntiy
,e;j
epWtdk;
my;yth?
]; f hl; y he; j py;
cs; s
mLj;jjhf>
gd;dhl;L
vbd;gNuh efhpy; 1825 Mk;
epWtdq; fspd; mDgtk;
Mz;L Jtq;fg;gl;L> 1925 Mz;L Kjy;
,e;
j
paj;
jdpahH
epWtdq;fSf;F
gu]; g u
fhg; g P l ; L
epWtdkha;
khw;wg;gl;L 1990fspy; ma;Nuhg;ghtpd; Ntz;Lk; vd;w thjk; itf;fg;gLfpwJ.
kpfg;nghpa
gu];gu
f h g ; g P l ; L 26 rjtPjk; KjyPl;Lf;F 26 rjtPj
epWtdkha;
ghpkspj;jJ.
gu];gu mDgtKk; 49 rjtPj KjyPl;Lf;F 100
mDgtKk;
jUkh
me;j
fhg;gPl;L epWtdj;jpw;F %yjdk; vd;w rjtPj
epWtdq;
f
s;
?
,e;
j
pah
vt;
t
hW
d;
LIC
xd;Nw ,y;iy.
kP J
ek; g pf; i f
itj; J s; s Njh
,uz; l htJ>
2008-y;
Vw; g l; l mt;thNw LICAk; we know India better
nghUshjhu ke;j epiy my;yJ Njf;f vd;W ek;gpf;if itj;Js;sJ. ,J
epiyf;Fk;
,e;jpa
j d p a h H VNdh Nkf; ,d; ,e;jpah Nkhbf;F
fhg;gPl;Lj;Jiwapy; Vw;gl;l rhptpw;Fk; kl;Lk; Ghpahj Gjpuha; cs;sJ.
murpd; Kf;fpaf; fl;lblq;fSf;F ,Jtiuf; fhg;gPNl ,y;iy vd;gJld; mtw;iw
kjpg;G fzf;fplg;gl;lJk; ,y;iy. vdNt fhg;gPL nra;tjw;fhf ghuhSkd;wf;
fl;blk; cs;spl;l fl;blq;fs; kjpg;gPL nra;ag;gltpUf;fpd;wd.
20

z_

\ & h[ 2015

Service
TaxIg;
ghyprpjhuHfNs
nrYj;Jk; epiyapYk;> njhlHr;rpahf
KjyPl;Bd; kPjhd tl;b tUtha;
caHe;J tUk; epiyapYk;$l LICapd;
cautpy;iy
vd;w
Fw;wr;rhl;L...
Kjypy;
ghyprpjhuUf;F
vt;thW
Nghd];
fzf;fplg;gLfpwJ
vd;W
Ghpe;Jnfhs;s Ntz;Lk;.
xt;nthU fhg;gPl;L epWtdKk;>
epjpahz;bd; ,Wjpapy; cghpia (jhd;
t#ypj;j gphpkpak; + KjyPl;L kPjhd
tUkhdk;) (nrYj;jpa ,wg;G chpkk;
+ ruz;lH + nryTfs; + nrYj;jpa
thpfs;) vd;w Kiwapy; fzf;fpl;L
mjpy; 90% rjtPjk; ghyprpjuHfSf;F
Nghd]; vd;Wk;> vQ;rpAs;s 10%
epWtdj; j pw; F
vd; W k;
vLj; J f;
nfhs;fpwhHfs;. mt;thW Nghdrhf
xJf;fg;gLk; njhifapy;> xt;nthU
jpl;lj;jpw;Fk; mjd; gq;fspg;Gf;Nfw;w
tifapy;
jdpj;jdpahf
Nghd];
mwptpf;fg;gLfpwJ.

fle;j 2004-05-y; IRDA solvency margin

tpjpfisf; nfhz;L te;jJ. mjw;F
Kd; murpd; cj;juthjk; (sovereign
guarantee) ,Ug;gjpdhy; solvency margin
vd;W vt;tpj xJf;fPLk; nra;ahky;
,Ue;j LIC, xU kpfg;nghpa njhifia
cghpapypUe;J vLj;Jj; jdp Corpus Mf
itf;f Ntz;baJ fl;lhakhfpaJ.
,t;thW 2005 Kjy; fle;j 10
Mz;Lfspy; 800 gpy;ypad; &gha;fs;
(&.80
Mapuk;
Nfhb)
xJf;fPL
nra;ag;gl;Ls;s
epiyapy;>
tUk;
xd;wpuz;L Mz;Lfspy; ,J xU
bhpy;ypad; &ghahf mjhtJ &.1
yl;rk; Nfhbahf caUk;. ,jpypUe;J

fpilf;Fk; tUkhdNk gpd; tUk;

fhyj;jpw;F
Njitg;gLk;
solvency
margin Mf xJf;fg;gLk;. vdNt
$Ljy; cghp Vw;gl;L $Ljy; Nghd];
toq;fg;gl tha;g;Gfs; cs;sd. Service
TaxIg; ghyprpjhuHfNs nrYj;Jk; epiy
vd;gJ 2013-14w;Fg; gpd; vLf;fg;gl;l
ghyprpfSf;Nf nghUe;Jk;. NkYk; Gjpa
ghyprpfspd;
Muk;g
fhyfl;lj;jpy;
nra;ag;gLk; nryTfs;> nfhLf;fg;gLk;

chpkq;fs; Mfpait $Ljy; cghpia

Fiwf;Fk; epiyapYk;$l> LIC jdJ
31.03.2014
Njjp
valuationgb>
,g; g hyprpfSf; F
mwptpj; j pUf; F k;
Nghd];
vd;gJ
kw;w
jdpahH
epWtdq;fs; mwptpj;j Nghdirtplr;
RkhH &10 tiu mjpfk; vd;gij
ftdj;jpy; nfhs;sNtz;Lk;.
mLj;J>
murpd;
fl;lhaj;jhy;
Njitaw;w nghJj;Jiwg; gq;Ffis
LIC thq;fp> ghyprpjhuHfspd; gzj;ij
tPzbg;gjhff; Fw;wk; rhl;lg;gLfpwJ.
,e; j f;
Fw; w r; r hl; L
ONGC apd;
gq;Ffis
thq;fpaJ
gw;wpj;jhd;
vOg;gg;gl;lJ. LIC vy;yhf; fhyq; fspYk; ,t;thW ifaW epiyapy;

nghUs; jpUk;gg; ngWk; fhg;gPL vd;gJ VjhtJ fhuzj;Jf;fhfj; jpUk;gg; ngw

Ntz;b te;jhy; ,og;gPL jUtjhFk;. Nkfp E}Ly;]; jpUk;gg; ngwg;gl;ljw;Fg; gpd;
,f;fhg;gPL gw;wp epWtdq;fs; ghprPypj;J tUfpd;wd.

\ & h[ 2015

z_

21

muNrh
my; y J
epWtdq; f Nsh
,Uf;Fk;nghOJ cjtp nra;Js;sJ.
jpul;lg;gl;l kf;fs; gzk; kf;fspd;
nrhj;jhd nghJj;Jiw epWtdq; fisf;
fhf;fg;
gad;gLtijtpl
rhpahd gad;ghL ,Ue;jpl KbAkh?
MfNtjhd;
mjd;
LIC,
UTII
rhptpypUe; J
kP l ; l J!
rj; a k;
fk;g;A+l;lH];> tPbNahfhd;> fduhtq;fp
Mfpatw;wpy; nra;ag;gl;lJ Nghd;wNj
,e;jpa Mapy; kw;Wk; ,aw;if vhpthA
epWtd KjyPLk;.
ONGCapd; gq;Ffs; tpw;gidf;F
te;J>
%d;W
ehl;fs;
mjid
Kiwg;gbg; gq;Fr; re;ijapy;
gl;baypl;lNghJ>
Kjy;
,U ehl;fs; gq;Ffis
mbkhl;L tpiyf;F thq;fp
gpd; ey;y tpiyf;F tpw;fj;
jpll
; kpll
; epWtd KjyPll
; hsHfs;>
jq; f Sf; f pilNa
rpz; b Nfl;
mikj; J f;
nfhz; L
ahUk;
thq;fhjnghOJjhd;> %d;whtJ
ehs; LIC mg;gq;Ffis thq;fpaJ.
mjd; %yk; ngUk; yhgKk;
rk;ghjpj;jJ. mJ> me;jj; jdpahH
KjyPll
; hsHfs; ngw;wpUf;f Ntz;ba
yhgk; vd;gjhy;> ngUKjyhspfspd;
mbtUbfs; jpl;lkpl;L LIC ghyprpjhuH fspd;
gzj;ij
tPzbg;gjhf
tp\kg;gpurhuk; nra;fpwhHfs;.
ICICI PRUDENTIAL LIFE, HDFC
STANDARD LIFE Nghd;w jdpahH MAs;

fhg;gPl;L epWtdq;fs; kpff;Fiwthd

vd;W
nrhy;yg;gLfpd;w gyd;
NPA
mspf;fhj nrhj;Jf;fis itj;jpUf; -

fpd;wd. Mdhy;> LIC kl;Lk; 2.44% NPA

itj;Js;sJ> mjdhy; LIC xU %o;Fk;
fg;gy; vd;nwhU gpur;rhuk; nra;ag;
gLfpwJ. Mdhy;> epr;rakhf ,J xU
Njhw;wg; gpio.
cjhuzkhf> HDFCapd; nkhj;j
nrhj;J 503 gpy;ypad; &gha;fs;. mjpy;
re;ij KjyPl;Lg; ghyprpfspd; nrhj;J
67%. kPjk; 33% rjtPjk; kl;LNk ehk;
fzf;fpy; nfhs;s Ntz;bajhFk;.
,e;j 33%, mjhtJ 164 gpy;ypad;
&ghapy; .9% rjtPjk; NPA.
mNj Neuj;jpy;> LICapd; nkhj;j
nrhj;J kjpg;G &.15>743 gpy;ypad;. ,jpy;
re;ijAld;
,ize;j
ghyprpfspd;
nrhj;J 6%. ,J &.945 gpy;ypad;. ,jpy;
NPA vd;gNj ,y;iy. kPjk; cs;s
ghyprpjuH
eyd;
fhf; F k;
nrhj;Jf;fspd; kjpg;G &.14>798
gpy;ypad;fs;.
,jpy;
NPA
vd; g J
ntWk;
&.51
gpy;ypad;fs;.
,J
34%
rjtPjk;
kl;LNk.
,ijj;jhd; LIC xU %o;Fk;
fg;gy;
vd
Clfq;fs;
kpifahf tUzpf;fpd;wd.
LIC 63% kj;jpa> khepy
mHRfsplKk;> ghyprpjhUf;F fld;
toq; F jy;
vd; w
ghJfhg; g hd
KjyP L fspYk; >
14 %
efuhl; r p
epHthfq;fs;>
khepy
Nghf;Ftuj;J
epWtdq;fs;>
kpd;rhu
thhpaq;fs;>
FbePH thhpaq;fs; Nghd;w r%fg;
ghJfhg;G KjyPLfspYk;> 20% jdpahH
epWtdq;fSf;fhd fld; KjyPLfspYk;>
3% gpw ,dq;fspYk; KjyPL nra;fpwJ.

nghUs; jpUk;gg; ngWjy; fhg;gPL Nkhl;lhH thfdj;Jiwapy; vg;NghJkpUe;J

tUfpwJ. rpyfhykhf kUe;J epWtdq;fSk; ,f;fhg;gPl;ilg; ngWfpd;wd. czTg;
nghUs; jahhpg;G epWtdq;fs; ,f;fhg;gPL ngWtJ vd;gJ mhpjhFk;.
22

z_

\ & h[ 2015

,jpy; jdpahH epWtdq;fSf;fhd fld;

vd;w tifapy;jhd; thuhf;fld; vd;w
NPA rw;Nw $Ljyha; 4% mstpy;
tUfpd;wJ. mjw;fhf me;j tif
KjyP l ; i lj;
jtpHf; f
KbahJ.
mjpy;jhd; yield vdg;gLk; tUtha;
$Ljyhf ,Uf;Fk;.
NkYk;> Net Retention Ratio vdg;gLk;
jf;f
itj;jYf;fhd
tpfpjk;
Kjyhz;Lg; gphpkpaj;ijg; nghWj;J
99.90% vd;w mstpYk;> nudpty;
gphpkpaj;jpy; 99.92% vd;w mstpYk;>
xw;iwg;
gphpkpaj;jpy;
100%
vd;w
mstpYk;> nkhj;j gphpkpaj;jpy; 99.94%
vd;w
mstpYk;
nfhz;L
cyf
mstpy; Kd;dzp epWtdkha; jpfOk;
LIC vd;WNk %o;fhj fg;gy;.
re;ij caUk; nghOJ> re;ij top
KjyPl;Lg;
gyd;
caUk;.
mJ
tPOk;nghOJ KjyPl;Lg; gyDk; tPOk;.
,J epajp. ,d;iwa re;ij> caHTld;
cs;s #oypy; 67% re;ijAld; $ba
ghyprpfis jd;dfj;Nj nfhz;l
re;ijAld; $ba
HDFCAk; 76%
ghyprpfis
jd;dfj;Nj
nfhz;l
8.72% kw;Wk; 8.5%
ICICIAk; KiwNa
nkhj;j
KjyPl;Lg;
gyid
nfhz;Ls;sd. 4% ghyprpfis nfhz;l
LIC 8.08% nkhj;j KjyPl;Lg; gyidf;

nfhz;Ls;sJ. xU gs;spapy; xU
tFg; g py;
60
khztHfspy;
3
khztHfs; 100%Kk;> kPjKs;s 57
khztHfs; 80%k; vLj;jhy; mtHfsJ
ruhrhp kjpg;ngz; 81%. NtnwhU
gs;spapy; xU tFg;gpy; ,Uf;Fk; 10
khztHfspy; 7 khztHfs; 100% Kk;
3 khztHfs; 60% Kk; vLj;jhy; 88%
ruhrhp
tUk;.
Kjy;
gs;spapd;
khztHfspy; ngUk;gFjpg;NgH 80%
ngw;wpUe;jhYk; ruhrhp Fiwe;j ,e;j
cjhuzk; khjphpNa LICapd; KjyPL
fhl;lg;gLfpwJ.
re;ijAld;
$ba
ghyprpfisj;
jtpHj;Jg;
ghHj;jhy;
KjyP l ; L g; g yd;
kpfTk;
LIC apd;
$Ljyhf ,Uf;fpd;wJ.
Mf
vt;tifapy;
ghHj;jhYk;
Mas;
fhg;gPl;Lj;
Jiwapy;
LIC
rpuQ;rPtpaha; ,Uf;Fk; vd;gJ jpz;zk;.

bjd;kz;ly khehL
njd;kz;ly ,d;#ud;]; CopaH rq;fj;jpd; 33tJ khehL tUfpw 2016 [dthp 23
Kjy; 26 tiu jQ;irapy; eilngwTs;sJ. 1994 Mk; Mz;L 23tJ njd;kz;ly
khehl;il jQ;irapy; elj;jpa ekf;F kPz;Lk; xU Kiw khehl;il elj;jpl tha;g;G
fpilj;jpUf;fpwJ. khehl;il rpwg;ghf elj;jpl Njitahd epjpapid NjhoHfs;
cw;rhfj;NjhL toq;fp ey;ynjhU Jtf;fj;ijf; nfhLj;Js;sdH.
rj;ak; fk;g;A+l;lH]; CoYf;Fg;gpd; ,af;FdHfs;> mYtyHfs; fhg;gPL gpugyk;
mile;jJ. ,d;W vy;yh epWtdq;fSk; me;jf; fhg;gPl;ilg; ngWfpd;wd. khfp gpur;rpid
nghUs; jpUk;gg; ngWjy; fhg;gPl;ilg; gpugykhf;Fk; vd;W vjpHghHf;fg;gLfpwJ.

\ & h[ 2015

z_

23

V> s_ MBD - 3

Vk BVV...!
3 r%fg; ghJfhg;Gj; jpl;lq; mwpt[f;fly; tw;GWj;jy;fSf;Fg; gzpahky;>
-fis gpujkH Nkhb Nk 9
vr;rhpf;ifahfr; nray;gLkhW
md;W Jtf;fp itj;jhH. gpujkH
mwpTWj; j pd
vd; g jpypUe; J
Jtf;fp
itj;j
Nk
9
md;Nw vj;jifa khaj; Njhw;wk; Vw;gLj;jg; ,j;jpl;lq;fspy; (3Yk; NrHj;J nkhj;jk;) gl;lJ vd;gijg; Ghpe;J nfhs;syhk;.
5.77 Nfhbg; NgH NrHe;J tpl;lhHfs;!
mg;gbahdhy;
tq;fpfspy;
kf;fs;
nrhe;jr; nrytpy; #dpak;
thpirapy; epd;W... js;S Ks;S
vd;w ,e;jg; gFjp tpsk;guq;fspd;
vy;yhk; ele;jpUf;FNk? mg;gb %yk; kf;fs; vt;thW Vkhw;wg;
nay;yhk;
ele;jjhfj;
njhpa
gLfpwhHfs; vd;W tpsf;Ftjw; tpy; i yNa?
ekf; F j;
njhpe; J
fhfj;jhNd Jtq;fg;gl;lJ vd;W
rpdpkhTf; F k; >
rpdpkh
ebfHfs;
re;Njfk; vOfpwjh? epahak;jhd;!
fye; J nfhs; S k;
tpohf; f Sf; F k;
tpsk;guq;fspy; cs;s gpj;jyhl;lq;
jtpHj;J Ntnwjw;Fk; Kjy; ehspy;
-fisj; NjhYhpg;gJjhd; ,e;jg;
,t;tsT $l;lk; tUtjpy;iy. gpwF
gFjpapd;
Nehf; f k; .
Mdhy; >
vg;gb?
jdpahhpd;
tpsk; g uq; f is
kl;Lk;jhd; NjhYhpg;Nghk; vd;W
Members
PMSBY
PMJJBY
APY
TOTAL
as on
ve;j vy;iyAk; ,y;iy. ,d;Dk;
9.5.2015
4,41,26,021 1,35,73,623 37,165
5,77,36,809
nrhy; y g;
Nghdhy; >
,e; j g;
6.6.2015
7,52,16,832 2,50,65,869 2,03,439 10,04,86,140
gFjpiaj; Jtq;Fk;NghJ> ,g;gb
XH muR tpsk;guj;ij myr
cz;ikapy;> mjw;Fg; gy ehl;fs;
Ntz;bapUf;Fk; vd;W fw;gid
Kd; d jhfNt
tq; f pfSf; F r;
$lr; nra;atpy;iy vd;gJjhd;
Rw;wwpf;if mDg;gg;gl;L> Jtq;Fk;
cz;ik. Mdhy;> jpl;lq;fistpl
ehspy; 10 Nfhbg; NguhtJ NrHe;jpUf;f
tpsk;guq;fSf;F mjpfr; nrytpLk;
Ntz;Lk; vd;W tq;fp CopaHfSf;F
Nkhb murpd; eltbf;iffisg;
neUf; f b
nfhLf; f g; g l; L
,e; j
ghHj;jhy;> ,dp mbf;fb muR
vz;zpf;if
te;jJ.
cz;ikapy;
tpsk;guq;fSk; ,g;gFjpapy; tUk;
neUf;fb jhq;f Kbahky; tq;fp
vd;W Njhd;WfpwJ!
CopaHfs;>
thbf;ifahsHfSf;Fj;
njhpahkNyNa
gbtj;ijg;
G+Hj;jp
mjw;Fg; gy ehl;fs; Kd;djhfNt
nra;J
nfhs;tjhfr;
nra;jpfSk;
gpukhjkhd tpsk;guq;fSlDk;> nra;jp
ntspahfpd. xU fl;lj;jpy; tq;fpr;
fshfTk; gugug;ghfj; Jtq;fg; rq;ffs; jq;fs; cWg;gpdHfis> ,j;
gl;lit> 2 fhg;gPl;Lj; jpl;lq;fs; cl;gl
jpl;lq;fspy; NrHf;fr; nrhy;yp tUk;
104 rpfpr;irfSf;Ff; fhg;gPl;L epWtdq;fs; epHzapj;Js;s fl;lz cr;r tuk;G kpff;
FiwthdJ vd;Wk;> mjdhy; eyf;fhg;gPL ngw;Ws;s Nehahspfs; kpFe;j rpukk;
miltjhfg; GfhH vOe;Js;sJ.
24

z_

\ & h[ 2015

3
r%fg;
ghJfhg;Gj;
jpl;lq;fs;. gpujhd; ke;j;hp
Ruf;\h gPk Nah[dh
vd; w
xU
tpgj; J f;
fhg;gPl;Lj; jpl;lk;> gpujhd;
ke;j;hp [Ptd; N[hjp gPk
Nah[dh vd;w MAs;
fhg;gPl;Lj; jpl;lk;> mly;
ngd;\d; Nah[dh vd;w
Xa;T+jpaj;
jpl;lk;
MfpaitNa me;j 3
jpl;lq;fs;.

cs;stHfs; Nruyhk;. 55
taJ tiu Mz;Lf;F
&.330
nrYj;jp
&.2
yl;rk; fhg;gPL ngwyhk;.
,e; j
&.330y;
&.30
fkprdhfTk;>
&.11
tq;fpf;
fl;lzkhfTk;
nrYj; j g; g l; L >
&.289
gphpkpakhff;
fhg; g P l ; L
epWtdj;Jf;Fr; nrYj;jg;
-gLk;. muR xU fhR $lr;
nrYj;jhJ.

tpgj;Jf;
fhg;gPl;Lj;
jpl; l j; j py;
18ypUe; J
70
tiu
taJilatHfSf;F
&.2
yl;rk;
fhg;gPL
mspf;fg;gLk;.
tpgj;jpdhy;
caphpog; G
my; y J
KOikahd
nraypog;G Nehpl;lhy; &.2 yl;rKk;>
gFjp
nraypog;G
Nehpl;lhy;
&.1
yl; r Kk;
toq; f g; g Lk; .
,jw; F
Mz;Lf;F &.12 gphpkpakhf t#ypf;fg; gLk;. ,jpy; &.1 fkprdhfTk;> &.1
tq;fpf; fl;lzkhfTk; nrYj;jg;gl;L>
&.10
gphpkpakhff;
fhg;gPl;L epWtdj;Jf;Fr;
nrYj;jg;gLk;. muR xU
fhR $lr; nrYj;jhJ.
MAs;
fhg; g P l ; L j;
jpl;lk; nlHk; m\;A+ud;];
vdg;gLk; KjpHTg; gyd;
vJTkpy;yhj>
,wg; g pd; N ghJ
kl; L k;
,og; g P L
toq; F k;
jpl;lkhFk;.
,jpy;
18ypUe;J 50 taJ tiu

,e;j ,U jpl;lq;fSf;Fk;
muR xJf;fpAs;s njhif &.50 Nfhb.
,e;jj;
njhifAk;
tpsk; g uk;
nra;tjw;fhf kl;LNk vd;W murpd;
6.5.2015 Njjpapl;l nra;jpf; Fwpg;G
njspthfj; njhptpf;fpwJ. mjhtJ
muR xU fhR$lj; juhky;> fkprd;>
tq; f pf;
fl; l zk;
cs; s pl; l
midj;ijAk;
jhq;fNs
nrYj;jp
kf;fs;
fhg;gPL
ngw;Wf;
nfhs;s
Ntz;Lk;.
Mdhy;
jpl;lq;fSf;Fg;
ngaH kl;Lk; murpd;
jpl; l q; f s; >
r%fg;
ghJfhg;Gj; jpl;lq;fs;>
gpujkH
fhg; g P l ; L j;
jpl; l q; f s; >
,d; D k;
gyg; g y
ngaHfs; >
Gsfhq;fpjq;fs;. ,e;jj;
njhiff;F ,e;j msT
fhg; g P L
toq; f
KbAkh? elg;gpYs;s
,wg; G g;
Gs; s ptpgu
ml;ltiz
(Mortality
Table) gbAk;> jw;NghJ

Nfhlf; kfpe;jpuh tq;fp jdJ me;epa KjyPl;il 48ypUe;J 55% Mf caHj;j

mDkjp Nfl;Ls;sJ. ,jdhy; mJ Jtf;ftpUf;fpw nghJfhg;gPl;L epWtdj;jpw;fhd
mDkjp jhkjkhFk; vd;W njhpfpwJ.

\ & h[ 2015

z_

25

tpw;gidapYs;s ,j;jifa jpl;lq; fspy;

kpff;
Fiwe;j
gphpkpak;
t#ypf;Fk;
jpl;lq;fspd;gbAk;
ghHj;jhy; KbahJ vd;Nw Njhd;WfpwJ.
NkYk;>
,e;jj;
jpl;lq;fisr;
nray;gLj;j nghJj;Jiwf; fhg;gPl;L
epWtdq;fs; kl;LNk tw;GWj;jg; gLtJk;>
jdpahHf;
fhg;gPl;L
epWtdq;fs;
jahuhf
,y;yhjJk;
,ijNa
cWjpg;
gLj; J fpd; w d.
cz;ik epytuk; Nghfg; Nghfj;jhd;
njhpAk;.

,wg;Gf;Fg;gpd; mtuJ kidtp my;yJ

fztUf;Fk; Xa;T+jpak; toq;fg;gLk;.
mtuJ
,wg;Gf;Fg;gpd;
NrHe;Js;s
njhif
thhpRf; F
toq; f g; g Lk; .
nrYj;Jk; gphpkpaj;jpy; ghjp msTf;F
(&.1000f;F kpfhky;) muR jd; gq;fhfr;
nrYj;Jk;. ey;yhj;jhNd ,Uf;F...
vd;fpwPHfsh?
rHf;fiu
vd;W
vOjpapUf;fpwhHfs;. ,dpf;Fkh?
fle;j 10 Mz;Lfspd; ruhrhp
gztPf;f
tpfpjk;
(EfHNthH
FwpaPl;nlz; mbg;gilapy;)
8.44%

vjph;fhy gztPf;fk; fle;j 10 Mz;Lfspd; ruhrhpahd 8.44% vd;W nfhz;lhy;

taJ

gphpkpak;
nrYj;Jk;
fhyk;

jw;NghJ &.100 tpiyAs;s

nghUspd; md;iwa tpiy

40
40
30
30
18
18

20
20
30
30
42
42

505.58
505.58
1136.80
1136.80
3005.80
3005.80

&.100d; Xa;T+jpak; mjd;

md;iwa
&.
md;iwa
kjpg;G
kjpg;G
&.
19.78
19.78
8.80
8.80
3.33
3.33

rhp... mlhtb gz;w Nah[dh...

rhhp... tha; FowpLr;R... mly; ngd;\d;
Nah[dh? ,J 18ypUe;J 40 tiu
taJilatHfs; kl;Lk; Nruf;$ba
Xa;T+jpaj; jpl;lk;. Fwpg;gpl;l gphpkpak;
(20
Mz;LfSf;Ff;
Fiwahky;)
nrYj;jp
60
taJ
Mdgpd;
&.1000ypUe; J
&.5000
tiu
Fwpg;gpl;l
Xa; T +jpak;
ngwyhk; .
,e;j Xa;T+jpaj; jpl;l cWg;gpdhpd;

5000
1000
5000
1000
5000
1000

988.96
197.80
440.00
88.00
166.35
33.30

jw;NghJ
nrYj;j
Ntz;ba
gphpkpak;
&.
1454.00
291.00
577.00
116.00
210.00
42.00

MFk;. ,e;j tsHr;rpapy; ,d;iwf;F

&.100f;F thq;Ffpw nghUspd; tpiy>
20 Mz;Lfs; fopj;J &.505.58 Mf
,Uf;Fk;. NtW nrhw;fspy; nrhd;dhy;>
,d;iwa &.100d; kjpg;G 20 Mz;Lfs;
fopj;J &.19.78 Mf ,Uf;Fk;. &.5000d;
kjpg;G &.988.96 Mf ,Uf;Fk;. 20
Mz;Lfs; fopj;J (,d;iwa kjpg;gpy;)
khjk; &.988.96 ngw ,g;NghJ nrYj;j
Ntz;ba gphpkpak; vt;tsT njhpAkh?

Vw;nfdNt ,e;jpahtpy; nray;gl;L tUk; 6 nghJf;fhg;gPl;L epWtdq;fisj;

Jtf;fpa ,e;jpa epWtdq;fspy; me;epa KjyPL 50%f;F Nky; ,Ug;gjhf Nfhlf;
kfpe;jpuh tq;fp thjpl;Ls;sJ.
26

z_

\ & h[ 2015

khjk;
&.1454!
gaq;fu
,dpg;G
my;yth?
];tPl; vL> nfhz;lhL Gfo;
mkpjhg;> ,e;j muR tpsk;guj;jpy;
nrhy;yhjitAk;
cz;L!
Kjyhtjhfr;
nrhy;y
Ntz;baJ
vd;dntd;why;> Vw;nfdNt ,Ue;j
]; t htyk; g d;
vd; w
Xa; T +jpaj;
jpl;lj;jpw;Fg;
gjpyhfj;jhd;
,e;jj;
jpl;lk;
nfhz;L
tug;gl;Ls;sJ.
];thtyk;gd;
jpl;lk;
jpUk;gg;
ngwg;gl;ljhfNth>
iftplg;gl;l
jhfNth ve;j mwptpg;Gk; ntspaplg;
gltpy;iyNa jtpu> mj;jpl;lj;jp ypUg;gtHfspy;>
jFjpAilatHfs;
jhdhfNt
,j; j pl; l j; j pw; F
khw;wg;gLthHfs; vd;Wk;> kw;wtHfs;
gzj;ijj; jpUk;gg; ngw;Wf;nfhs;syhk;
vd;Wk;> jpUk;gg; ngwhjtHfSf;F>
,Wjpapy; gzk; toq;fg;gLk; vd;Wk;
mwptpf;fg;gl;Ls;sJ. mJ
vd;d
jFjpAila
tHfs; ?
,uz; L k;
Xa;T+jpaj;
jpl;lk;
vd;why;
vd;d
jFjpapog;G
,Uf;f
KbAk;?
mq;Fjhd;
mbj;jhHfs;
Mg;G!
gioa
jpl;lj;jpy;
60
taJ tiu cila tHfs; Nruyhk;. ,g;NghJ
40 taJf;F Nkw;gl;l tHfs;
Nru
KbahJ
vd;W khw;wg;gl;L tpl;lJ!
40ypUe;J 60 tiu taJilatHfSf;F
Vw; n fdNt
,Uf; f pw
Xa; T +jpaj;

jpl; l j; i j
xopg; g jw; F
te; J s; s
jpl;lj;ij mlhtb gz;w Nah[dh
vd;W nrhd;dhy; jtwpy;iyjhNd?
mLj;J> ];thtyk;gd; jpl;lj;jpy;
nrYj;Jk; gphpkpaj;jpd; msTf;F muRk;
jd;
gq;fhfr;
nrYj;Jk;>
mNj
&.1000f;F kpfhky;. mijg; ghjpahff;
Fiwj;Js;sJ ,e;jj; jpl;lk;.
mijtplf; nfhLik vd;d ntd; w hy; >
muR
epHzapj; J s; s
gphpkpaj;jpw;F kl;LNk> mjhtJ muR
ve; j j;
njhifAk;
gq; f spg; G r;
nra;ahkNyNa> jw;NghJs;s gpv/g;
tl;b tpfpjkhd 8.75% msTf;F tl;b
Nrh;j;jhNy> mJ jtizf; fhy
Kbtpy; vy;ma;rpapd; [Ptd; mf;\a;
muR
cj; j uthjkspf; f pw
VI y;
Xa; T +jpaj; i j
thq; F tjw; F j;
Njitahdijtpl mjpfkhf tsHr;rp
milAk;.
mjhtJ>
murpd; ,e;jj; jpl;lk;
my;yhky;> kWitg;G epjp
(MH.b.) Nghd;w NtW
ve;j topapy; Nrkpj;jhYk;
,e;j msT> rhpahfr;
nrhd; d hy; >
,ijtpl
mjpfkhd
Xa; T +jpaj; i jg;
ngw
KbAk;!
murpd;
6.5.2015
Njjpapl;l
nra;jpf;
Fwpg;gpd;gb ,j;jpl;ljpw;F
xJf;fg;gl;Ls;s
epjp
&.4520
NfhbahFk;. ,jpy; &.2000 Nfhb
tpsk;guk; nra;tjw;fhk;. Rz;ilf;fha;

epWtd KftHfs; fl;lhakhf ,uz;L fhg;gPl;L epWtdq;fspd; jpl;lq;fis

tpw;gid nra;a Ntz;Lk; vd;w khHr; 31 Njjpa MNyhridia> Nk 29 md;W
ntspaplg;gl;l Gjpa tiuT topfhl;Ljy;fspy; IRDAI iftpl;Ltpl;lJ.

\ & h[ 2015

z_

27

fhy; g zk; . ..
vd; n whU
gonkhop
Nfs;tpg;gl;bUf;fpwPHfsh?
mt;tsT
nrytpy; tpsk;guk; nra;tjd;%yk;
ntWk; xU Nfhbg;NgH kl;Lk; ,e;jj;
jpl;lj;jpy; NrHe;jhy;$l> khjk; &.42
Kjy; &.1454 tiu t#ypf;fg;gLk;
gphpkpak; XH Mz;Lf;F> Vwf;Fiwa
&.10
Mapuk;
Nfhb
t#yhFk;.
mjdhy;jhd;
kw;w
,uz;L
jpl; l q; f Sf; F r;
nrhd; d JNghy>
nghJj;Jiwf; fhg;gPl;L epWtdq;fs;
fl; l hakhf
,e; j j;
jpl; l j; i jr;
nray;gLj;j
Ntz;Lk;
vd;W
nrhy;ytpy;iy.
nray;gLgLj;Jk;
epWtdk;
Fiwe; j
gl; r k;
20
Mz;LfspypUe;J> 42 Mz;Lfs;tiu
,e;jr; Nrkpg;igg; gad;gLj;jpf; nfhs;s

KbAk;. ,e;j epjpia ahH epHtfpg;gJ

vd;gij Xa;T+jpa Mizak; KbT
nra;Akhk;. kf;fsplkpUe;J mtHfs;
gzj;ijNa thq;fpdhg;GyAk; Mr;R>
muR Xa;T+jpak; je;jjhfg; gpur;rhuk;
nrQ;rhg;GyAk; Mr;R> me;jg; gzj;ij
epHthfk; nra;a vd;W ahuhtJ jdpahH
Kjyhspf; F f;
nfhLj; j hg; G yAk;
Mr;R... xNu fy;Yy...? %Z khq;fh...!
Mf> gpujkH fhg;gPl;Lj; jpl;lq;fs;
vd;w vjpYk; muRf;F ve;jg; gq;Fk;
,y;iy>
kf;fsplkpUf;fpw
nfhQ;r
eQ;rg;
gzj;ijAk;
gpLq;fpf;
nfhs;tijj; jtpu! mjw;F &.2050
Nfhb nrytpy; tpsk;guk; NtW...
mJTk; kf;fs; gzj;jpypUe;Nj...!

#&iy 4... Kg;bgUk; tpHh

[{iy 4 md;W njd;kz;ly
,d;#ud;];
CopaH
$l;likg;gpd;
nraw; F Of;
$l; l k;
jQ; i rapy;
eilngwTs;sJ.
33tJ njd;kz;ly
khehl;L jahupg;G cs;spl;l gy;NtW
tp\aq;fis tpthjpj;J KbTfis
Nkw;nfhs;sTs;sJ. mjidnahl;b
H 33tJ
njd; k z; l y
khehl; L
tuNtw;Gf; FO mikg;G
H njd;kz;lyj; jiytH NjhoH vk;.
Fd;dpfpU\;zd; gzp Xa;T ghuhl;L
tpoh

H njd;kz;ly nraw;FOf; $l;l

KbTfis tpsf;ff; $l;lk;
vd %d;W epfo;TfisAk; ,izj;J
Kg;ngUk; tpohthf jQ;irapy; [_iy 4
md;W khiy 5 kzpf;F jQ;ir Nfhl;l
mYtyf tshfj;jpy; eilngwTs;sJ.
mjpy; mfpy ,e;jpa> njd;kz;lyj;
jiytHfs; fye;J nfhs;sTs;sdH.
midj;J fpisfspypUe;Jk; NjhoHfs;
ngUkstpy;
fye;J
nfhs;s
Ntz;LfpNwhk;.

eyKk;/ tsKk; bgw thH;j;Jf;fs;

mhpaY}H fpisapy; cjtpahsuhfg; gzpGhpAk; NjhoH rp. Rg;ukzpad;
31.05.2015 md;W vy;.I.rp gzpapypUe;J Xa;T ngw;Ws;shh;. mtUila
Xa;Tf;fhyk; tsNkhLk;> eyNkhLk; mike;jpl tho;j;JfpNwhk;.
kj;jpa ,isQH tptfhuq;fs; kw;Wk; tpisahl;Lj;Jiw> xypk;gpf; ,yf;F Nkil
vd;w jpl;lj;jpw;fhd fhg;gPl;Lj;Jiw $l;lhspahf nghJj;Jiw epWtdkhd
Xhpaz;ly; ,d;#ud;]; epWtdj;ijj; NjHe;njLj;Js;sJ.
28

z_

\ & h[ 2015

zm V
> >w >V_ > zmVl[ s_ zD
3

4
7

6
8

10

11

12
14

13
15

17

16

18

ktm D

10.
12.
14.
15.
18.

z] (2)
k]_ [ (4)
\]AD t _ (5)
>VMB a (2)
l[ k>
||mkm (3)
19. (2)
28. >VD (6)

19
20

21

22

am \_

V k>V_ g] \VkD (3)

>kz V EBm (3)
24
kVmz k (2)
25
26
27
28
kD (5)
yA V_o ]| kV
tm kD
Vk (5)
1. t w\BV >t _ 26. gl>V ^ >l[
(7)
VB[ V] B (3)
4. Vu (2)
27. s k F]x (3)
6. zD_ m (3)
28. V \V[ kkD (3)
7. kkuzD sBV^ sxu (3)
_ \V> BV s^ -19D D
8. gDD E>sm (4)
13. ]| k\V > >V_ VF (2)
kt me >V_
20. VEAm g (4)
yV\ aA x[l[
23. z^V Vk_ (6)
\VV| > xD,
25. j EA ]\[ ]] (3)
\ 1[ xBmkxD
zD.
\om
1. VB[ mxD (3)
filrpy
2. Vu^ [ (5)
ahuhtJ
xUj;jH
3. gl_ ckD (4)
czTg;
4. D_ ~D V_ u|km (2)
nghUl;fs;-y 10
7. ]x \ D \V
rjtPjk;
er;Rg;
V (5)
nghUl;
fs;
11. ] k>_ = AD _ (2)
fyf;fyhk;D
16. (2)
jPHg;G
nrhy;yg;
19. zmD k_\ (4)
NghwhH...
,Jf; F
vJf; F a; a h
21. x\ V> DA (3)
Fjpr;Rl;L ,Uf;FwPq;f...?
24. \lV_ t w\ (2)
23

9.
15.
17.
22.
25.

k
VKD

tpj;ah : vd;db jpBHD /Nghd; gz;zpapUf;f vd;d tp\ak;?

epj;ah: tPl;y khg;gpis ghHf;fyhk;D epiwa ,lj;Jy
hp[p];lH gz;zhq;f ,y;iy? epiwa [hjfkh te;jpUf;F.
mJy 4-5 xj;J tu khjphp ,Uf;F. vij nryf;l;
gz;zyhk;D njhpaiy. mjhd; Fok;gp Ngha;
,Uf;Nfd;.
tpj;ah : vd;d Fog;gk;?
epj;ah: epiwa rhg;l;NtH ,Q;rpdpaUq;f [hjfk;
te;jpUf;F. ,g;g vy;yhk; rhg;l;NtH ,Q;rpdpaUq;f Ntw
/gPy;l;y ,Uf;fw nghz;Zq;fisj;jhd; fy;ahzk;
gz;zpf;fDk;D epidf;fpwhq;fshk;. mjhd; ,Jy
ahiu nryf;l; gz;wJD njhpay. ePjhd; rhg;l;NtH
,Q;rpdpauhr;Nr. vdf;F nfhQ;rk; r[\d; nrhy;Nyd;....
X.Nf!...
nrhy; y pl; l h
NghFJ.
tpj;ah: X.Nf!
xt;nthUj;jUk; vd;d nghrp\d;y ,Uf;fhq;fd;D
kl;Lk; nrhy;Y.
epj;ah: Kjy; khg;gps;is g;uh[f;l; Nkd[uh ,Uf;fhU.
tpj;ah : g;uh[f;l; Nkd[uh? ,tU vg;gTNk vNjh gp]pah ,Uf;fw khjphp xU gpy;l; mg;
nfhLg;ghU. Mdh cUg;gbah xU cjtpAk; nra;a khl;lhU. xU fpNyh mhprpy CUf;Nf
rhg;ghL nra;a nrhy;YthU. Ml;Lf;fwp thq;fpl;L te;J nfhLj;Jl;L rpf;fd; 65 nra;a
nrhy;YthU. mJ KbahJD nrhd;dhYk;> xj;Jf;f khl;lhU. vg;gbahtJ uhj;jphp gfyh
f\;lg;gl;L cior;rhtJ mij nrQ;rp Kbf;fDk;D nrhy;YthU. NtZk;dh iel; Nfg;
(cab) mnuQ;r; gz;wD nrhy;YthU.
uhj;jphp gfy; Kopr;rh kl;Lk; vg;gb rhH nra;a
KbAk;D Nfl;lhYk; xj;Jf;f khl;lhU.
epj;ah: M`h. mt;tsT Mghj;jhdtuh? mg;g ehk v];Nfg;. mLj;J ,Uf;fwtU nl];l;
,Q;rpdpaU.
tpj;ah : ,tU mtiu tpl Mgj;jhdtU. vJ nrQ;rhYk; mJy ,Uf;fw Fiwia kl;Lk;
fnuf;lh nrhy;YthU. eP gj;J ntiul;b rikr;R mtiu mrj;jDk;D epidr;rhYk; mJy
vJy cg;G/fhuk;/Gspg;G fk;kpah ,Uf;FD kl;Lk;jhd; nrhy;YthU. ey;yh ,Uf;FD
vJTNk nrhy;y khl;Bq;fshD Nfl;lh> ey;yh nra;a Ntz;baJ jhd; cd; Ntiy. mjdhy
mij vJf;F nrhy;yDk;D Nfl;ghU. ,Jfs; ef;fPuH guk;giu!
epj;ah: mg;g ,tUf;Fk; Neh nrhy;yplyhk;. mLj;J ,Uf;fwtU ngH/ghHkd;]; nl];l;
,Q;rpdpauhk;.
tpj;ah: ,J mJf;Fk; Nky. vy;yhNk ey;yh ,Ue;jhYk;> ,ij nra;a ,t;tsT NeukhD
Nfl;ghU. fhgp Nghl 10 epkp\khr;Rdh> fhgp ey;yh ,Uf;fhD ghHf;f khl;lhU. 5 epkp\j;Jy
Nghl Ntz;ba fhg;gpia 10 epkp\kh Nghl;bUf;fD rj;jk; NghLthU. ePq;f nrhy;wJ
,d;];lz;l; fhgp> ehd; Nghl;lJ gpy;lH fhgpD nrhd;dhYk; Nfl;f khl;lhU. mNj khjphp jhd;
vy;yh Ntiyf;Fk;.
eP Nkf;-mg; gz;w Neuj;Jf;F eP vy;yhk; ,e;j Nfl;lfhpa gj;jp
Nahrpf;fNt $lhJ.
epj;ah: mg;g rhg;l;NtH khg;gpisNa Ntz;lhk;D nrhy;wpah?
tpj;ah: ahH mg;gb nrhd;dh? rhg;l;NtHyNa ,spr;r tha; $l;lk; xz;Z ,Uf;F. mJ jhd;
nltyg;gH $l;lk;. cd; yp];l;y nltyg;gH vtdhtJ ,Uf;fhdhd;D ghH!
epj;ah: k;k;kk... M... Mkhb! xUj;jH ,Ug;ghH. mTq;fis gj;jp nfhQ;rk; nrhy;Nyd;....
tpj;ah: eP vJTNk nra;a Ntz;lhk;. vy;yhNk mTq;fNs nrQ;rpLthq;f. ehk gpd;dhb ,Ue;J
cw;rhfg;gLj;jpdh NghJk;. Mdh ,Tq;f fpl;l ,Uf;fw gpur;rid vd;ddh...> vJ Nfl;lhYk;
njhpAk;D nrhy;ypLthq;f. "mwpthsp" glj;Jy jq;fNty; G+hp Rl;l fij khjphp. MdhYk;
X.Nf jhd;. vt;tsT mbr;rhYk; jhq;fpf;Fthq;f. Mdh mbr;rpl;L mbr;rpl;L "eP nuhk;g
ey;ytd;D..." nrhy;ypfpl;Nl ,Uf;fDk;!