dm{fH$ [anmoQ>

2015-16

^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU

YmZ H$m`mb`
VVr` Vb, n[al_ ^dZ, ~era ~mJ.
hXam~mX 500 004, ^maV
\$moZ +91-40-2338 1100 / 1300
\$g +91-40-6682 3334

{Xr H$m`mb` _w~B H$m`mb`

JoQ> Z. 3, nhbr _{Ob, OrdZ Vmam {~pS>J am`b B`moa|g {~pS>J, ^yVb
ggX _mJ, ZB {Xr-110 001, ^maV 12, Oo. Q>mQ>m _mJ (MMJoQ> Ho$ nmg)
\$moZ +91-11-2344 4400 _w~B-400 020, ^maV
\$g +91-11-2374 7650 \$moZ +91-22-2289 8600

do~gmBQ> : www.irda.gov.in
B. _ob : irda@irda.gov.in
 dm{fH$ [anmoQ> 2015-16

{df`-gyMr
{_eZ {ddaU
m{YH$aU Ho$ AmBAmaS>rEAmB gX` 31.03.2016
AmBAmaS>rEAmB Ho$ d[a> A{YH$mar

^mJ-I
Zr{V`m Ama H$m`H$_
n> g.
I.1 gm_m` Am{WH$ n[adoe ............. 1
I.2 {dd ~r_m n[a` ............. 4
I.3 ^maVr` ~r_m ~mOma H$m _y`mH$Z ............. 7
I.4 g_rjm ............. 28
I.4.1. nm{bgrYmaH$m| Ho$ {hVm| H$m gajU ............. 34
I.4.2 ~r_mH$VmAm| Ho$ emoYj_Vm _m{OZm| H$m AZwajU ............. 35
I.4.3 nwZ~u_m H$s {ZJamZr ............. 36
I.4.4 ~r_m nyb - AmVH$dmXnyb ............. 40
I.4.5 ~r_mH$VmAm| mam {Zdoem| H$s {ZJamZr ............. 43
I.4.6 dm` ~r_m `dgm` ............. 57
I.4.7 Jm_rU Ama gm_m{OH$ jom| _| `dgm` ............. 59
I.4.8 {dmr` gyMZm-Umbr Ama ~r_m{H$H$ _mZH$ ............. 59
I.4.9 YZemoYZ-{ZdmaU / AmVH$dmX Ho$ {dmnmofU H$m _wH$m~bm H$m`H$_ ............. 59
I.4.10 \$gb ~r_m ............. 61
I.4.11 gy_ ~r_m ............. 64
I.4.12 m{YH$aU mam Omar {H$`o J`o {ZXoe, AmXoe Ama {d{Z`_ ............. 67
I.4.13 gyMZm H$m A{YH$ma A{Y{Z`_, 2005 ............. 67

^mJ-II
H$m`Umbr Ama n[aMmbZm| H$s g_rjm
II.1 ~r_m Ama nwZ~u_m H$n{Z`m| H$m {d{Z`_Z ............. 69
II.2 ~r_m `dgm` Ho$ gmW g~ d`{$H$ EO|Q>,
~r_m `dgm` Ho$ gmW g~ _`dVu ............. 73
II.3 ~r_m {ejU go g~ `mdgm{`H$ gWmZ ............. 82
II.4 dmX, Anrb| Ama `m`mb`m| Ho$ {ZU` ............. 84
II.5 ~r_m _| AVaam>r` gh`moJ ............. 84
II.6 {eH$m`V| ............. 88
II.7 ~r_m gK Ama ~r_m n[afX| ............. 92
II.8 ~r_m bmoH$nmb ............. 96

v
 dm{fH$ [anmoQ> 2015-16

^mJ-III
m{YH$aU Ho$ gm{d{YH$ Ama {dH$mgm_H$ H$m`
n> g.
III.1 AmdoXH$ H$mo nOrH$aU _mUn H$m {ZJ_, Eogo nOrH$aU H$m ZdrH$aU, AmemoYZ,
`mhaU, {Zb~Z AWdm {ZagZ ............. 99
III.2 nm{bgr Ho$ g_ZwXoeZ, nm{bgrYmaH$m| mam Zm_mH$Z, ~r_m`mo` {hV, ~r_m Xmdo Ho$
{ZnQ>mZ, nm{bgr Ho$ A`{nV _y` Ama ~r_m g{dXmAm| H$s A` eVm] go g~{YV
_m_bm| _| nm{bgrYmaH$m| Ho$ {hVm| H$m gajU ............. 100
III.3 _`d{V`m| AWdm ~r_m _`d{V`m| Ama EO|Q>m| Ho$ {bE Amd`H$ `mo`VmE,
AmMaU-g{hVm Ama `mdhm[aH$ {ejU {d{Z{X> H$aZm ............. 103
III.4 gd}jH$m| Ama hm{Z {ZYmaH$m| Ho$ {bE AmMaU-g{hVm {d{Z{X> H$aZm ............. 104
III.5 ~r_m `dgm` Ho$ gMmbZ _| Hw$ebVm H$mo ~T>mdm XoZm ............. 105
III.6 ~r_m Ama nwZ~u_m `dgm` Ho$ gmW g~ `mdgm{`H$ gJR>Zm| H$m gdYZ Ama
{d{Z`_Z H$aZm ............. 107
III.7 A{Y{Z`_ Ho$ `moOZm| H$m`md`Z Ho$ {bE ewH$ Ama A` ^mam| H$s CJmhr ............. 108
III.8 ~r_mH$VmAm|, _`d{V`m|, ~r_m _`d{V`m| Ama ~r_m `dgm` go g~ A`
gJR>Zm| H$s boIm-narjm g{hV CZgo gyMZm _mJZm, CZH$m {ZarjU H$aZm, CZH$s
OmM Ama AdofU H$m gMmbZ H$aZm ............. 108
III.9 ~r_m A{Y{Z`_, 1938 (1938 H$m 4) H$s Ymam 64`y Ho$ AYrZ gmYmaU ~r_m
`dgm` Ho$ g~Y _| ~r_mH$VmAm| mam Vm{dV H$s OmZodmbr Xam|, bm^m| Ama eVm]
H$m {Z`U Ama {d{Z`_Z Omo ewH$ gbmhH$ma g{_{V mam CVZr {Z`{V Ama
{d{Z`{_V Zht h ............. 109
III.10 Cg $n Ama VarHo$ H$mo {d{Z{X> H$aZm {Og_| ~r_mH$VmAm| Ama A` ~r_m
_`d{V`m| mam boIm-~{h`m aIr OmEJr VWm boIm-{ddaU VwV {H$`o OmEJo ............. 110
III.11 ~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$m {d{Z`_Z ............. 110
III.12 emoYj_Vm _m{OZ Ho$ AZwajU H$m {d{Z`_Z ............. 110
III.13 ~r_mH$VmAm| Ama _`d{V`m| AWdm ~r_m _`d{V`m| Ho$ ~rM {ddmXm| H$m `m`{ZU`Z ............. 112
III.14 nam "6' _| C{{IV `mdgm{`H$ gJR>Zm| Ho$ gdYZ Ama {d{Z`_Z Ho$ {bE
`moOZmAm| Ho$ {dmnmofU hoVw ~r_mH$Vm H$s r{_`_ Am` Ho$ {VeV H$mo {d{Z{X> H$aZm ............. 112
III.15 Jm_rU Ama gm_m{OH$ jom| _| ~r_mH$VmAm| mam {H$`o OmZodmbo OrdZ ~r_m
`dgm` Ama gmYmaU ~r_m `dgm` Ho$ {VeV H$mo {d{Z{X> H$aZm ............. 114

vi
 dm{fH$ [anmoQ> 2015-16

^mJ-IV
gJR>Zm_H$ {df`
n> g.
IV.1 gJR>Z ............. 117
IV.2 m{YH$aU H$s ~R>H|$ ............. 117
IV.3 _mZd ggmYZ ............. 118
IV.4 _{hbm H$_Mm[a`m| Ho$ {bE AmV[aH$ g{_{V ............. 119
IV.5 amO^mfm H$m gdYZ ............. 119
IV.6 AZwgYmZ Ama {dH$mg ............. 120
IV.7 gyMZm mmo{JH$s H$s pW{V ............. 121
IV.8 boIm ............. 122
IV.9 AmBAmaS>rEAmB OZb ............. 122
IV.10 Am^ma-XeZ ............. 123

~mg _X|
1. dm` ~r_m _| Zdmo_ofU ............. 44
2. ~r_m H$n{Z`m| Ho$ {bE H$manmoaoQ> A{^emgZ H$m T>mMm ............. 108
3. BS>-EEg H$s A{YgyMZm ............. 111
4. ~r_m A{Y{Z`_, 1938 H$s Ymam 105 gr Ho$ AVJV `m`{ZU`Z H$s H$m`dmhr ............. 113

_ybnmR> H$s gma{U`m

I.1 am>r` Am` 2015-16 Ho$ AZ{V_ AZw_mZ ............. 1
I.2 Am{WH$ J{V{d{Y mam _yb H$s_V na OrdrE Ho$ AZ{V_ AZw_mZ ............. 2
I.3 Kaoby jo H$s {dmr` ~MV ............. 3
I.4 gH$b ~MV ............. 3
I.5 2015 _| Hw$b dmV{dH$ r{_`_ d{ Xa ............. 4
I.6 jo-dma OrdZ Ama Ja-OrdZ ~r_m r{_`_ ............. 4
I.7 ^maV _| ~r_m `mnZ Ama gKZVm ............. 6
I.8 ^maV _| nOrH$V ~r_mH$Vm ............. 8
I.9 Omo{I_-A{H$V r{_`_ : OrdZ ~r_mH$Vm ............. 8
I.10 ~mOma Ae : OrdZ ~r_mH$Vm ............. 10
I.11 Omar H$s JB ZB nm{b{g`m : OrdZ ~r_mH$Vm ............. 10
I.12 MwH$Vm nyOr OrdZ ~r_mH$Vm ............. 10
I.13 H$_reZ `` OrdZ ~r_mH$Vm ............. 11
I.14 H$_reZ `` AZwnmV OrdZ ~r_mH$Vm ............. 11
I.15 n[aMmbZ `` OrdZ ~r_mH$Vm ............. 12
I.16 n[aMmbZ `` AZwnmV OrdZ ~r_mH$Vm ............. 12

vii
 dm{fH$ [anmoQ> 2015-16

n> g.
I.17 2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Ho$ d`{$H$ _`w Xmdo ............. 13
I.18 2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Ho$ gm_y{hH$ _`w Xmdo ............. 13
I.19 OrdZ ~r_mH$VmAm| mam AXm {H$`o J`o bm^me ............. 15
I.20 OrdZ H$m`mb`m| H$s g`m ............. 15
I.21H$ OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$m {dVaU OrdZ H$m`mb`m| H$s g`m ............. 16
I.21I OrdZ H$m`mb`m| H$s g`m Va-dma ............. 16
I.22 ^maV _| gH$b `j r{_`_ Am` Ja-OrdZ ~r_mH$Vm ............. 18
I.23 ^maV _| gH$b `j r{_`_ Am` Ja-OrdZ ~r_mH$Vm H$nZr-dma ............. 19
I.24 Ja-OrdZ ~r_mH$VmAm| mam Omo{I_-A{H$V r{_`_ (^maV Ho$ AXa) IS>-dma ............. 19
I.25 Hw$b r{_`_ H$s VwbZm _| ^maV Ho$ ~mha r{_`_ H$m AZwnmV ............. 21
I.26 ^maV Ho$ ~mha `dgm` go gH$b `j r{_`_ ............. 21
I.27 Omar H$s JB ZB nm{b{g`m| H$s g`m Ja-OrdZ ~r_mH$Vm ............. 21
I.28 MwH$Vm nyOr Ja-OrdZ ~r_mH$Vm Ama nwZ~u_mH$Vm ............. 22
I.29 Omo{I_-AH$Z AZw^d Ja-OrdZ ~r_mH$Vm ............. 22
I.30 H$_reZ `` Ja-OrdZ ~r_mH$Vm ............. 23
I.31 n[aMmbZ `` Ja-OrdZ ~r_mH$Vm ............. 23
I.32 {Zdb CnJV Xmdo Ja-OrdZ ~r_mH$Vm ............. 24
I.33 CnJV `` AZwnmV Ja-OrdZ ~r_mH$Vm ............. 24
I.34 {Zdoe Am` Ja-OrdZ ~r_mH$Vm ............. 24
I.35 Ja-OrdZ ~r_mH$VmAm| H$m {Zdb bm^ ............. 25
I.36 ^wJVmZ {H$`o J`o bm^me Ja-OrdZ ~r_mH$Vm ............. 26
I.37 Ja-OrdZ ~r_m H$m`mb`m| H$s g`m ............. 26
I.38 Ja-OrdZ H$m`mb`m| H$s g`m 31.03.2016 H$mo Va-dma ............. 26
I.39 {Zdb {VYmaU (OrAmBgr) 2015-16 ............. 37
I.40 ^maVr` ~mOma AmVH$dmX Omo{I_ ~r_m nyb _| gX`m| H$m Ae ............. 38
I.41 ^maVr` `dgm` na ^maV Ho$ ~mha A`{nV nwZ~u_m (OrAmBgr H$mo N>moS>H$a) ............. 39
I.42 ^maV _| gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| ^maV Ho$ AXa Ama ^maV Ho$
~mha aIm J`m nwZ~u_m (OrAmBgr H$mo N>moS>H$a) ............. 39
I.43 gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| ^maVr` `dgm` na {Zdb {VYm[aV
r{_`_ (OrAmBgr H$mo N>moS>H$a) ............. 39
I.44 gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| Ja-OrdZ ~r_mH$VmAm| H$m {Zdb
{VYmaU (OrAmBgr g{hV) ............. 40
I.45 df 2015-16 Ho$ {bE AdrH$V Omo{I_ nyb Ho$ AVJV A`{nV r{_`_ ............. 40
I.46 ~r_m jo Ho$ Hw$b {Zdoe ............. 41
I.47 OrdZ ~r_mH$VmAm| Ho$ Hw$b {Zdoe {bIV-dma ............. 41
I.48 OrdZ ~r_mH$VmAm| Ho$ {Zdoe {Z{Y-dma ............. 42

viii
 dm{fH$ [anmoQ> 2015-16

n> g.
I.49 {Zdoem| H$s d{- {Z{Y-dma ............. 42
I.50 Ja-OrdZ ~r_mH$VmAm| Ho$ Hw$b {Zdoe {bIV-dma ............. 43
I.51 {nN>bo nmM dfm] _| dm` ~r_m r{_`_ H$s d{m ............. 45
I.52 dm` ~r_m r{_`_ H$m dJuH$aU ............. 46
I.53 dm` ~r_m Ho$ AVJV gp_{bV `{$`m| H$s g`m ............. 47
I.54 `dgm` H$m dJ-dma {Zdb CnJV Xmdm AZwnmV ............. 48
I.55 dm` ~r_mH$VmAm| H$m jo-dma {Zdb CnJV Xmdm AZwnmV ............. 48
I.56 d`{$H$ XwKQ>Zm ~r_m `dgm` Ho$ AVJV gp_{bV `{$`m| H$s g`m ............. 49
I.57 jo-dma d`{$H$ XwKQ>Zm ~r_m r{_`_ ............. 49
I.58 jo-dma {dXoe `mm ~r_m r{_`_ ............. 50
I.59 jo-dma Xoer `mm ~r_m gH$b r{_`_ ............. 50
I.60 2015-16 Ho$ {bE dm` ~r_m r{_`_ _| erfW 5 am`m| H$m Ae ............. 51
I.61 {dVaU Ho$ {d{^ _m`_m| H$m Ae {dmr` df 2015-16 Ho$ {bE Omar H$s JB
nm{b{g`m| H$s g`m Ama r{_`_ H$s am{e ............. 52
I.62 VVr` nj ~YH$m| (Q>rnrE) Ho$ _m`_ go g^mbo J`o Xmdo ............. 52
I.63 ~r_mH$VmAm| Ho$ mam grYo `j $n go g^mbo J`o Xmdo ............. 53
I.64 XmoZm| VVr` nj ~YH$m| (Q>rnrE) Ho$ _m`_ go Ama AmV[aH$ $n go g^mbo J`o Xmdo ............. 53
I.65 Xmdm| H$s Ad{Y - Q>rnrE Ho$ _m`_ go g^mbo J`o Xmdm| H$m {ddaU ............. 54
I.66 Xmdm| H$s Ad{Y ~r_mH$VmAm| mam AmV[aH$ $n go g^mbo J`o Xmdm| H$m {ddaU ............. 54
I.67 Xmdm| H$s Ad{Y XmoZm| Q>rnrE Ho$ _m`_ go Ama AmV[aH$ $n go g^mbo J`o Xmdm| H$m {ddaU ............. 54
I.68 31 _mM 2016 H$mo {d_mZ Q>rnrE H$s gyMr ............. 55
I.69 2015-16 Ho$ XmamZ ZdrH$V Q>rnrE nOrH$aUm| H$s gyMr ............. 55
I.70 CZ Q>rnrE H$m {ddaU {OZHo$ nOrH$aU _mUn H$m ZdrH$aU 2015-16 Ho$ XmamZ
AdrH$V {H$`m J`m ............. 56
I.71 {dmr` df 2015-16 Ho$ XmamZ Q>rnrE mam {Z`w$ ZoQ>dH$ XmVm ............. 56
I.72 2015-16 Ho$ XmamZ Jm_rU Ama gm_m{OH$ jo Xm{`dm| _| Q>S>AbmoZ dm`
~r_mH$VmAm| Ho$ AZwnmbZ H$m {ddaU ............. 58
I.73 Ja-OrdZ ~r_mH$Vm (Q>S>AbmoZ Ama {deofrH$V ~r_mH$VmAm| H$mo N>moS>H$a) -- 31
_mM 2016 H$s pW{V Ho$ AZwgma Jm_rU Ama gm_m{OH$ jo `dgm` ............. 58
I.74 _mg_ AmYm[aV \$gb ~r_m `moOZm (S>`~rgrAmBEg) ............. 63
I.75 Zm[a`b dj ~r_m `moOZm (grnrAmBEg) ............. 64
I.76 2015-16 Ho$ {bE gy_ ~r_m g{d^mJ Ho$ AVJV Z`m `dgm` ............. 65
I.77 OrdZ ~r_mH$VmAm| Ho$ gy_ ~r_m EO|Q>m| H$m {ddaU 2015-16 ............. 66
I.78 gy_ ~r_m g{d^mJ Ho$ AVJV d`{$H$ _`w Xmdo 2015-16 ............. 66
I.79 gy_ ~r_m g{d^mJ Ho$ AVJV gm_y{hH$ _`w Xmdo 2015-16 ............. 66

ix
 dm{fH$ [anmoQ> 2015-16

n> g.
I.80 gy_ ~r_m d`{$H$ loUr _| {ZnQ>m`o J`o Ad{Y-dma _`w Xmdo 2015-16 ............. 67
I.81 gy_ ~r_m gm_y{hH$ loUr _| {ZnQ>m`o J`o Ad{Y-dma _`w Xmdo 2015-16 ............. 67
I.82 Ho$r` OZgyMZm A{YH$m[a`m| H$s gyMr ............. 68
II.1 OrdZ ~r_mH$VmAm| Ho$ d`{$H$ EO|Q>m| H$m {ddaU 2015-16 ............. 73
II.2 OrdZ ~r_mH$VmAm| Ho$ H$manmoaoQ> EO|Q>m| H$m {ddaU 2015-16 ............. 73
II.3 2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m d`{$H$ Z`m
`dgm` H$m`{ZnmXZ -- _m`_-dma ............. 74
II.4 2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m gm_y{hH$ Z`m
`dgm` H$m`{ZnmXZ _m`_-dma ............. 74
II.5 2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m Z`m `dgm` r{_`_
(d`{$H$ Ama gm_y{hH$) _m`_-dma ............. 75
II.6 gd}jH$m| Ama hm{Z {ZYmaH$m| H$mo Omar {H$`o J`o bmBg|g ............. 77
II.7 gd}jH$m| Ama hm{Z {ZYmaH$m| go g~{YV {eH$m`V| ............. 77
II.8 ~r_m Xbmbm| H$s gmp`H$s ............. 78
II.9 31-03-2016 H$s pW{V Ho$ AZwgma am`-dma ~r_m Xbmbm| Ho$ H$m`mb` ............. 78
II.10 m{YH$aU mam AZw_mo{XV do~ gJmhH$ ............. 78
II.11 2015-16 H$s Ad{Y Ho$ {bE Xm`a {H$`o J`o _m_bm| H$m {ddaU ............. 83
II.12 2015-16 H$s Ad{Y Ho$ {bE {ZnQ>m`o J`o/ Im[aO {H$`o J`o _m_bm| H$m {ddaU ............. 83
II.13 2015-16 Ho$ XmamZ {eH$m`Vm| H$s pW{V OrdZ ~r_mH$Vm ............. 89
II.14 2015-16 Ho$ XmamZ {eH$m`Vm| H$s pW{V Ja-OrdZ ~r_mH$Vm ............. 89
II.15 {eH$m`V| -- 2014-15 H$s VwbZm _| 2015-16 -- OrdZ ............. 90
II.16 {eH$m`V| 2014-15 H$s VwbZm _| 2015-16 Ja-OrdZ ............. 90
II.17 {eH$m`V| 2014-15 H$s VwbZm _| 2015-16 -- CmoJ ............. 91
II.18 ~r_mH$Vm {Ohm|Zo 31-03-2016 H$mo b{~V {eH$m`Vm| H$s g`m ey` XO H$s h ............. 91
II.19 S>rEAmanrOr nmoQ>b _| XO H$s JB Ama AmBAmaS>rEAmB H$mo ^oOr JB {eH$m`Vm| H$s
m{ Ama {ZnQ>mZ (1.4.2015 go 31.3.2016 VH$ H$s Ad{Y) ............. 91
II.20 AmBAmaS>rEAmB H$mo ^oOr JB {eH$m`V| 31.03.2016 H$mo b{~V ............. 91
II.21 2015-16 Ho$ XmamZ ~r_m bmoH$nmbm| mam {eH$m`Vm| H$m {ZnQ>mZ ............. 97
III.1 31.03.2016 H$s pW{V Ho$ AZwgma m{YH$aU Ho$ mam AZw_mo{XV ~r_m ^S>ma ([anmo{O Q>arO) ............. 105
MmQ>
I.1 2011-12 H$s H$s_Vm| na OrdrE 2015-16 (AZ{V_ AZw_mZ) _| jom| H$m Ae ............. 2
I.2 M`{ZV Xoem| _o ~r_m `mnZ -- 2015 ............. 5
I.3 M`{ZV Xoem| _o ~r_m gKZVm -- 2015 ............. 5

x
 dm{fH$ [anmoQ> 2015-16

n> g.
I.4 ^maV _| ~r_m `mnZ ............. 7
I.5 ^maV _| ~r_m gKZVm ............. 7
I.6 OrdZ ~r_mH$VmAm| H$m W_ df r{_`_ ............. 9
I.7 OrdZ ~r_mH$VmAm| H$m Hw$b r{_`_ ............. 9
I.8 5 dfm] Ho$ {bE OrdZ ~r_mH$VmAm| H$m Hw$b r{_`_ ............. 9
I.9 b{~V Xmdm| H$m Ad{Y-dma {dbo{fV {ddaU d`{$H$ nm{b{g`m ............. 14
I.10 b{~V Xmdm| H$m Ad{Y-dma {dbo{fV {ddaU gm_y{hH$ nm{b{g`m ............. 14
I.11 OrdZ ~r_m H$m`mb`m| H$s g`m ............. 16
I.12 OrdZ ~r_m H$m`mb`m| H$m ^mJmo{bH$ {dVaU {ZOr jo ............. 17
I.13 H$m`mb`m| H$m ^mJmo{bH$ {dVaU -- EbAmBgrAmB ............. 17
I.14 OrdZ ~r_m H$m`mb`m| H$m ^mJmo{bH$ {dVaU -- CmoJ ............. 17
I.15 ^maV _| gH$b `j r{_`_ Am` Ja-OrdZ ~r_mH$Vm ............. 18
I.16 Ja-OrdZ ~r_mH$VmAm| H$m gH$b `j r{_`_ 5 df ............. 19
I.17 Ja-OrdZ ~r_mH$VmAm| mam Omo{I_-A{H$V r{_`_ (^maV Ho$ AXa) IS>-dma ............. 20
I.18 Ja-OrdZ ~r_m H$m`mb`m| H$s g`m 2015-16 Ho$ {bE Va-dma ............. 27
I.19 dm` ~r_m r{_`_ H$s d{m ............. 45
I.20 dm` ~r_m `dgm` H$m dJuH$aU (gH$b r{_`_ Ho$ Vma na) ............. 46
I.21 gp_{bV `{$`m| H$s g`m `dgm` Ho$ {d{^ dJm] H$m Ae ............. 47
I.22 dm` ~r_m `dgm` H$m {Zdb CnJV Xmdm AZwnmV ............. 48
I.23 Hw$b dm` ~r_m r{_`_ _| am`m| H$m Ae {dmr` df 2015-16 ............. 51
I.24 dm` ~r_m r{_`_ _| {d{^ _m`_m| H$m AeXmZ ............. 55
II.1 OrdZ ~r_mH$VmAm| H$m d`{$H$ Z`m `dgm` r{_`_ _m`_-dma ............. 75
II.2 OrdZ ~r_mH$VmAm| H$m gm_y{hH$ Z`m `dgm` r{_`_ _m`_-dma ............. 76
II.3 OrdZ ~r_mH$VmAm| H$m Z`m `dgm` r{_`_ (d`{$H$ Ama gm_y{hH$) ............. 76
II.4 {nN>bo Xmo dfm] Ho$ XmamZ m OrdZ {eH$m`Vm| H$m dJuH$aU ............. 88
II.5 {nN>bo Xmo dfm] Ho$ XmamZ nOrH$V Ja-OrdZ {eH$m`Vm| H$m {eH$m`V H$ma-dma
dJuH$aU ............. 89
II.6 {nN>bo 3 dfm] Ho$ XmamZ nm{bgr H$ma-dma Ja-OrdZ {eH$m`V| ............. 89
II.7 {eH$m`Vm| H$s J{V CmoJ {nN>bo Xmo df ............. 90

{ddaU
1. ~r_m `mnZ H$s AVaam>r` VwbZm ............. 127
2. ~r_m gKZVm H$s AVaam>r` VwbZm ............. 128
3. W_ df OrdZ ~r_m r{_`_ (EH$b r{_`_ g{hV) ............. 129
4. Hw$b OrdZ ~r_m r{_`_ ............. 130
5. 2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m g~ Ama Ag~ r{_`_ ............. 131

xi
 dm{fH$ [anmoQ> 2015-16

n> g.
6. df 2015-16 Ho$ {bE d`{$H$ _`w Xmdo ............. 133
7. df 2015-16 Ho$ {bE gm_y{hH$ _`w Xmdo ............. 135
8. OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AYrZ AmpV`m ............. 137
9. OrdZ ~r_mH$VmAm| H$s B{$Q>r eo`a nyOr ............. 140
10. {dmr` df 2015-16 Ho$ XmamZ ^maV _| OrdZ ~r_mH$VmAm| H$m {V_mhr emoYj_Vm AZwnmV ............. 141
11. Ja-OrdZ ~r_mH$VmAm| H$m gH$b `j r{_`_ (^maV Ho$ AXa Ama ~mha) ............. 142
12. Ja-OrdZ ~r_mH$VmAm| H$s IS>-dma gH$b `j r{_`_ Am` (^maV Ho$ AXa) ............. 143
13. dm` ~r_m (`mm- Xoer/ {dXoer Ama d`{$H$ XwKQ>Zm H$mo N>moS>H$a)
gH$b r{_`_ Ama gp_{bV `{$`m| H$s g`m (2015-16) ............. 144
14. CnJV Xmdm AZwnmV -- gaH$mar jo Ho$ Ja-OrdZ ~r_mH$Vm ............. 145
15. CnJV Xmdm AZwnmV - {ZOr jo Ho$ Ja-OrdZ ~r_mH$Vm ............. 146
16. Ja-OrdZ ~r_H$VmAm| Ho$ ~YZ Ho$ AYrZ AmpV`m ............. 148
17. Ja-OrdZ ~r_mH$VmAm| H$s B{$Q>r eo`a nyOr ............. 149
18. Ja-OrdZ ~r_mH$VmAm| H$m emoYj_Vm AZwnmV ............. 150
19. {eH$m`Vm| H$s pW{V OrdZ ~r_mH$Vm -- 2015-16 Ho$ {bE ............. 151
20. {eH$m`Vm| H$s pW{V Ja-OrdZ ~r_mH$Vm 2015-16 Ho$ {bE ............. 152

AZw~Y
1. ^maV _| n[aMmbZaV ~r_m H$n{Z`m ............. 155
2. ~r_mH$VmAm| Ama {d{^ _`d{V`m| Ho$ {bE ewH$ gaMZm ............. 157
3. (i) ^maVr` ~r{_V OrdZ _`w-Xa (2006-08) A{V_ ............. 158
(ii) dm{fH$s-Jm{h`m| Ho$ {bE H$m{eV _`w-Xa gmaUr EbAmBgr (H$) (1996-98) A{V_ Xa| ............. 160
4. df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm|
Ama AZwd{`m| (amBS>am|) H$s gyMr ............. 162
5. 31.03.2016 H$s pW{V Ho$ AZwgma OrdZ ~r_mH$VmAm| Ho$ gy_ ~r_m CnmXm| H$s gyMr ............. 169
6. {dmr` df 2015-16 Ho$ XmamZ AZw_mo{XV Ja-OrdZ ~r_m CnmX ............. 170
7. df 2015-16 Ho$ XmamZ AZw_mo{XV dm` ~r_m CnmXm| H$s gyMr ............. 174
8. Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o
n[an/ AmXoe/ A{YgyMZmE ............. 177
9. 31/03/2016 VH$ AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_ ............. 186
10. (i) {dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> ............. 189
(ii) {dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (Xbmb) ............. 191

xii
 dm{fH$ [anmoQ> 2015-16

{_eZ {ddaU
nm{bgrYmaH$m| Ho$ {hVm| H$m gajU H$aZm VWm CZHo$ {V C{MV `dhma gw{ZpMV H$aZm;

Am_ AmX_r Ho$ {hV Ho$ {bE ~r_m CmoJ (dm{fH$s Ama A{Yd{fVm g~Yr ^wJVmZm| g{hV) H$s d[aV
Ama `dpWV gd{ H$aZm, VWm AW`dWm H$s gd{ H$s J{V ~T>mZo Ho$ {bE XrKH$m{bH$ {Z{Y`m
CnbY H$amZm;

m{YH$aU {OZH$m {d{Z`_Z H$aVm h, CZH$s g`{Z>m, {dmr` gwT>Vm, C{MV `dhma Ama gj_Vm
Ho$ C _mZH$m| H$m {ZYmaU, gdYZ, {ZJamZr Ama dVZ H$aZm;

dmV{dH$ Xmdm| H$m d[aV {ZnQ>mZ gw{ZpMV H$aZm, ~r_m g~Yr YmoImY{S>`m| Ama A` AZmMmam| H$s
amoH$Wm_ H$aZm VWm ^mdr {eH$m`V {ZdmaU V H$s `dWm H$aZm;

~r_o Ho$ gmW g~Y aIZodmbo {dmr` ~mOmam| _| {ZnjVm, nmaX{eVm Ama gw`dpWV H$m`gMmbZ H$mo
~T>mdm XoZm VWm ~mOma Ho$ {Ibm{S>`m| _| {dmr` gwT>Vm Ho$ C _mZH$ bmJy H$aZo Ho$ {bE EH$
{ddgZr` ~Y gyMZm Umbr H$m {Z_mU H$aZm;

Ohm Eogo _mZH$ An`m h AWdm A^mdr T>J go bmJy {H$`o J`o h dhm H$madmB H$aZm;

{ddoH$nyU {d{Z`_Z H$s AnojmAm| Ho$ AZw$n CmoJ Ho$ XZ{XZ H$m`MmbZ _| B>V_ n[a_mU _| d-
{d{Z`_Z Cn H$aZm&

xiii
 dm{fH$ [anmoQ> 2015-16

^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU

31 _mM 2016 H$mo m{YH$aU Ho$ gX`

Q>r Eg {dO`Z
A`j
nyUH$m{bH$ gX`

E_ am_gmX S>r S>r qgh nm{U_m Jwo

(1 _B 2015 VH$)

dr Ama A`a Zrboe gmRo> Omogo\$ bmn{b Oo

(15 OyZ 2015 go) (1 OwbmB 2015 go) (29 _mM 2016 go)

xv
 dm{fH$ [anmoQ> 2015-16

AeH$m{bH$ gX`

AZyn dmYdmZ AmbmoH$ Q>S>Z

(13 {gV~a 2015 VH$) (14 {gV~a 2015 go)

grE. _ZmoO \$S>Zrg grE. E_ XodamO ao>r

(11 \$adar 2016 VH$) (12 \$adar 2016 go)

mo. dr Ho$ Jwm Eg ~r _mWwa

(21 \$adar 2016 VH$)

xvi
 dm{fH$ [anmoQ> 2015-16

^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (AmBAmaS>rEAmB) Ho$

d[a> A{YH$mar

H$m`H$mar {ZXoeH$ lram_ Va{ZH$m{V, AmBEEg

{dmr` nam_eXmVm b{bV Hw$_ma MXob

d[a> g`w$ {ZXoeH$ E_ nwm amd

gwaoe _mWwa
aUXrn qgh OJnmb
E Ama {Z`mZW_
__Vm gyar
Oo _rZm Hw$_mar

g`w$ {ZXoeH$ _wHo$e e_m

Eg EZ O`qghZ
`k{`m ^aV
EM AZVH$UZ
dr O`V Hw$_ma
a_Um amd A{H$
amHo$e ~OmO
gOrd Hw$_ma OZ
Q>r Eg ZmBH$
Eg nr MH$~Vu
nr Ho$ _Vr
amO Hw$_ma e_m

_w` gVH$Vm A{YH$mar

Ed g`w$ {ZXoeH$ E dr amd

xvii
 dm{fH$ [anmoQ> 2015-16

^mJ I
Zr{V`m Ama H$m`H$_
I.1 gm_m` Am{WH$ n[adoe Ama _`-JhU' _| 1.2 {VeV, "{Z_mU' _| 3.9 {VeV,
"{~Obr, Jg, Ob-Amny{V Ama A` OZmon`moJr godmE' _| 6.6
I.1.1 Ho$r` gmp`H$s` gJR>Z, E_AmoEgnrAmB, ^maV gaH$ma {VeV, "bmoH$ emgZ, ajm Ama A` godmE' _| 6.6 {VeV h&
mam Omar {H$`o J`o dm{fH$ am>r` Am`, 2015-16 Ho$ AZ{V_
AZw_mZm| Ho$ AZwgma df 2015-16 Ho$ {bE dmV{dH$ OrS>rnr I.1.3 `h AZw_mZ h {H$ gH$b am>r` Am` (OrEZAmB) 2011-
AWdm pWa (2011-12) H$s_Vm| na OrS>rnr {nN>bo df 2014- 12 H$s H$s_Vm| na 2014-15 Ho$ 7.3 {VeV H$s gd{ Xa H$s
15 Ho$ {bE 7.2 H$s gd{ Xa H$s VwbZm _| 7.6 H$s gd{ Xa Xem VwbZm _| 2015-16 Ho$ XmamZ 7.5 {VeV ~T>r h& {V `{$
ahm h& dmV{dH$ `mo{OV gH$b _y` (OrdrE) AWm df 2015- Am` _| gd{ Xa {nN>bo df Ho$ 5.8 {VeV H$s VwbZm _| 2015-
16 Ho$ {bE _yb^yV pWa (2011-12) H$s_Vm| na OrdrE {nN>bo 16 Ho$ XmamZ 6.2 {VeV na AZw_m{ZV h&
df 2014-15 Ho$ 7.1 {VeV H$s VwbZm _| 7.2 {VeV H$s
gd{ Xa Xem ahm h& I.1.4 WmoH$ H$s_V gyMH$mH$ (S>`ynrAmB) Ab-_mM 2015-
16 Ho$ XmamZ Im dVwAm|, {d{Z{_V CnmXm|, {~Obr Ama g^r
I.1.2 {OZ jom| Zo 7.0 {VeV go A{YH$ AZw_m{ZV gd{ XO n`m| Ho$ g_yhm| Ho$ g~Y _| H$_e 3.3 {VeV, (-) 1.1 {VeV,
H$s h do h "{dmr`, Wmda gnXm Ama `mdgm{`H$ godmE' (10.3 4.0 {VeV Ama (-) 2.5 {VeV ~T>m h& Cn^mo$m _y` gyMH$mH$
{VeV), "{d{Z_mU' (9.3 {VeV), "`mnma, hmoQ>b, n[adhZ, (grnrAmB) Zo Ab-_mM 2016 Ho$ XmamZ 4.9 {VeV d{ XemB
gMma Ama gmaU go g~{YV godmE' (9.0 {VeV) Ama "IZZ h&
Ama CIZZ' (7.4 {VeV)& AZw_m{ZV gd{ Xa "H${f, dm{ZH$s (moV grEgAmo og ZmoQ> {XZmH$ 31.05.2016)

gmaUr I.1
am>r` Am` Ho$ AZ{V_ AZw_mZ 2015-16
(2011-12 Ho$ _y`m| na)
_X 2013-14 2014-15 2015-16
(Xygao g.A.)(EZEg) (nhbo g.A.) (A.A.)
Xoer CnmX (` H$amoS >)
1. `mo{OV gH$b _y` (OrdrE) _yb H$s_Vm| na 9084369 9727490 (7.1) 10427191(7.2)
2. gH$b Xoer CnmX (OrS>rnr) 9839434 10552151(7.2) 11350249(7.6)
3. {Zdb Xoer CnmX (EZS>rnr) 8737681 9359476(7.1) 10071784(7.6)
4. gH$b am>r` Am` (OrEZAmB) (` H$amoS>) 9717062 10427701(7.3) 11213328(7.5)
5. {Zdb am>r` Am` (EZEZAmB) (` H$amoS>) 8615309 9235026(7.2) 9934863(7.6)
{V `{$ Am`, CnmX
6. OZg`m ({_{b`Z _|) 1251 1267 (1.3) 1283(1.3)
7. {V `{$ {Zdb am>r` Am` (EZEZAmB) (`) 68867 72889(5.8) 77435(6.2)
8. {V `{$ gH$b Xoer CnmX (OrS>rnr)(`) 78653 83285(5.9) 88466(6.2)
EZEg: ZB eIbm AZw_mZ; g.A: gemo{YV AZw_mZ; A.A.: AZ{V_ AZw_mZ
{Q>nUr: H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| {VeV _| KQ>-~T> XemVo h&
moV: H|$r` gmp`H$s` gJR>Z (grEgAmo), og ZmoQ> {XZmH$ 31 _B 2016.

1
 dm{fH$ [anmoQ> 2015-16

gmaUr I.2
Am{WH$ J{V{d{Y mam _yb H$s_V na Or{dE Ho$ AZ{V_ AZw_mZ
(` H$amoS>)
CmoJ 2013-14 2014-15 2015-16 {nN>bo df H$s
(Xygao g.A) (nhbo g.A.) (A.A.) VwbZm _| {VeV
(EZEg) _| n[adVZ
2014-15 2015-16
1. H${f, dm{ZH$s Ama _`-JhU 15,88,237 15,84,293 16,04,044 -0.2 1.2
2. IZZ Ama CIZZ 2,67,378 2,96,328 3,18,377 10.8 7.4
3. {d{Z_mU 15,79,721 16,67,069 18,21,926 5.5 9.3
4. {~Obr, Jg, Ob-Amny{V Ama A` OZmon`moJr godmE 2,00,861 2,16,970 2,31,228 8.0 6.6
5. {Z_mU 8,18,494 8,54,636 8,87,957 4.4 3.9
6. `mnma, hmoQ>b, n[adhZ, gMma Ama gmaU go g~{YV godmE 16,69,844 18,33,997 19,98,292 9.8 9.0
7. {dmr`, Wmda gnXm Ama `mdgm{`H$ godmE 18,44,070 20,39,460 22,48,845 10.6 10.3
8. bmoH$ emgZ, ajm Ama A` godmE 11,15,765 12,34,737 13,16,522 10.7 6.6
AmYma _y` na OrdrE 90,84,369 97,27,490 104,27,191 7.1 7.2
EZEg: ZB eIbm AZw_mZ; A.A.: AZ{V_ AZw_mZ; g.A.: gemo{YV AZw_mZ; OrdrE:gH$b `mo{OV _y`; 2011-12 H$s H$s_Vm| na&
moV: Ho$r` gmp`H$s` gJR>Z (grEgAmo), og ZmoQ> {XZmH$ 31 _B 2016 &

MmQ> I.1 2011-12 H$s H$s_Vm| na Or{dE 2015-16 _| jom| H$m Ae (AZ{V_ AZw_mZ)

Kaoby jo H$s {dmr` ~MV d{ Ama B{${Q>`m| Ama `wMwAb \$S>m| _| {Zdoe Ed gaH$mar jo
`y{ZQ>m| mam H$a-_w$ ~mS>m| Ama _wm Ym[aVmAm| _| d{ go o[aV ahr
I.1.5 ma{^H$ AZw_mZm| Zo Xem`m {H$ Kaoby {Zdb {dmr` ~MV Xa
hmbm{H$ Ka-n[admam| mam Ym[aV ~H$ O_mam{e`m| _| d{ gmYmaU
2014-15 Ho$ 7.5 {VeV Ama 2013-14 Ho$ 7.4 {VeV go
ahr (gmaUr 1.3)& {dmr` Xo`VmAm| _| ^r CH$f ahm {OgZo df Ho$
~T>H$a 2015-16 _| gH$b am>r` `mo` Am` H$m 7.7 {VeV
XmamZ Ka-n[admam| mam ~H$m| Ama Amdmg {dm H$n{Z`m| go {b`o J`o
hmo JB& Bg gwYma Zo {dmr` Xo`VmAm| Ho$ g~Y _| gH$b {dmr`
CVa CYma H$mo {Vq~{~V {H$`m&
AmpV`m| _| d{ H$s EH$ CVa Xa H$mo {Vq~{~V {H$`m& gH$b
(moV ^maVr` [aOd ~H$ dm{fH$ [anmoQ> 2015-16)
{dmr` AmpV`m| _| `h d{ mW{_H$ $n go An ~MV _| H$m\$s

2
 dm{fH$ [anmoQ> 2015-16

gmaUr I.3 : Kaoby jo H$s {dmr` ~MV

(OrEZS>rAmB Ho$ {VeV _|)
*
_X 2011-12 2012-13 2013-14 2014-15* 2015-16*
H$. gH$b {dmr` ~MV 10.4 10.4 10.4 10.0 10.8
{Og_| go
1. _wm 1.2 1.1 0.9 1.1 1.4
2. O_mam{e`m 6.0 6.0 5.8 4.9 4.7
3. eo`a Ama {S>~|Ma 0.2 0.2 0.4 0.4 0.7
4. gaH$ma na Xmdo -0.2 -0.1 0.1 0.0 0.4
5. ~r_m {Z{Y`m 2.2 1.8 1.6 1.9 2.0
6. ^{d` Ama n|eZ {Z{Y`m 1.1 1.5 1.6 1.6 1.5
I. {dmr` Xo`VmE 3.2 3.2 3.0 2.5 3.0
J. {Zdb {dmr` ~MV (H$-I ) 7.2 7.2 7.4 7.5 7.7
{Q>nUr: AmH$So> nyUm{H$V hmoZo Ho$ H$maU Hw$b OmoS> Ho$ gmW _ob Zht ImVo hm|Jo&
moV: grEgAmo Ogm {H$ ^maVr` [aOd ~H$ H$s dm{fH$ [anmoQ> 2015-16 _| H$m{eV h& gmaUr II.1
*: [aOd ~H$ Ho$ ZdrZV_ AZw_mZm| Ho$ AZwgma; OrEZS>rAmB : gH$b am>r` `mo` Am`

gmaUr I.4 : gH$b ~MV

(OrEZS>rAmB Ho$ {VeV _|)
_X 2011-12 2012-13 2013-14 2014-15
gH$b ~MV 33.8 33.0 32.3 32.3
1.1 Ja-{dmr` {ZJ_ 9.5 9.7 10.6 12.0
1.1.1 gaH$mar Ja-{dmr` {ZJ_ 1.4 1.2 1.1 0.9
1.1.2 {ZOr Ja-{dmr` {ZJ_ 8.1 8.5 9.4 11.1
1.2 {dmr` {ZJ_ 3.0 3.0 2.6 2.6
1.2.1 gaH$mar {dmr` {ZJ_ 1.9 1.7 1.4 1.3
1.2.2 {ZOr {dmr` {ZJ_ 1.2 1.2 1.1 1.3
1.3 gm_m` gaH$ma -1.8 -1.6 -1.3 -1.0
1.4 Kaoby jo 23.0 21.9 20.5 18.7
1.4.1 {Zdb {dmr` ~MV 7.2 7.2 7.5* 7.5*
_o_mo: gH$b {dmr` ~MV 10.4 10.4 10.1* 9.8*
1.4.2 ^m{VH$ AmpV`m| _| ~MV 15.5 14.4 12.7 10.8
1.4.3 _y`dmZ dVwAm| Ho$ $n _| ~MV 0.4 0.4 0.3 0.3
*: [aOd ~H$ Ho$ ZdrZV_ AZw_mZm| Ho$ AZwgma, 2013-14 Ama 2014-15 Ho$ {bE Kaoby {dmr` ~MV, gH$b am>r` `mo` Am` (OrEZS>rAmB) H$m H$_e 7.4 {VeV Ama 7.5 {VeV h VWm Bgr Ad{Y H$s
gH$b {dmr` ~MV H$_e 10.4 {VeV Ama 10.0 {VeV h& .
{Q>nUr: Kaoby jo H$s {Zdb {dmr` ~MV df Ho$ XmamZ gH$b {dmr` ~MV Ama {dmr` Xo`VmAm| Ho$ ~rM Ho$ AVa Ho$ $n _| m H$s JB h&
moV grEgAmo Ogm {H$ ^maVr` [aOd ~H$ H$s dm{fH$ [anmoQ> 2015-16 _| H$m{eV h, n[a{e> gmaUr 3.

3
 dm{fH$ [anmoQ> 2015-16

I.2 {dd ~r_m n[a` g_` go Mbr Am ahr {ZZ `mO Xam| Zo bm^m| H$mo amoH$ {X`m& Ja-
OrdZ _| XmoZm| Omo{I_-AH$Z Ama {Zdoe n[aUm_ 2014 H$s VwbZm
I.2.1 arB`moa|g _oOa, pdg ao mam H$m{eV "2015 _| {dd _| H$_Omoa aho& Omo{I_-AH$Z n[aUm_ {ZZVa Ama{jV {Z{Y
~r_m' Ho$ AZwgma nwZ~u_m CmoJ Zo 2015 _| gmYmaU dpdH$ Am{WH$ C_moMZm| go ^m{dV hE VWm {Zdoe n[aUm_ {ZZ `mO Xam| go
d{ Ho$ EH$ Ama df H$m gm_Zm {H$`m& dpdH$ dmV{dH$ gH$b AmhV hE& VWm{n, g_J $n _| ~r_m CmoJ ^br ^m{V nyOrH$V
Xoer CnmX (OrS>rnr) Zo 2.5% d{ H$s& ahm h&
I.2.2 C$ [anmoQ> Ho$ AZwgma Omo{I_-A{H$V dmV{dH$ dpdH$ I.2.4 C$ [anmoQ> Ho$ AZwgma `h `m{eV h {H$ OrdZ r{_`_
`j OrdZ Ama Ja-OrdZ ~r_m r{_`_ Zo {nN>bo df Ho$ 3.5% d{ 2016 _| CV AW`dWmAm| _| WmoS>r-gr J{V nH$So>Jr&
go D$na CR>H$a 3.8% d{ H$s& VWm{n, Zm{_V A_o[aH$s S>mba Ho$ C^aVo ~mOmam| _| OrdZ jo Ho$ _X hmoZo H$m nydmZw_mZ h& CV
Vma na A_o[aH$s S>mba Ho$ _wH$m~bo `mnH$ _wm _y`mg Ho$ H$maU ~mOmam| _| Ja-OrdZ CmoJ Ho$ {bE g^mdZm gmYmaU Am{WH$
r{_`_ 4.2% ZrMo Am`o& nwZWmZ Ama H$s_V-{ZYmaU H$s Xw~bVm Ho$ MbVo OrdZ H$s
dmV{dH$ Vma na dpdH$ OrdZ r{_`_ d{ 2014 Ho$ 4.3% VwbZm _| A{YH$ _X h& C^aVo ~mOmam| _| Ja-OrdZ Ho$ {bE g^mdZm
A{^bm^ go 4% VH$ _X hB& CV ~mOmam| _| OrdZ r{_`_ {_{lV h&
(moV pdg AmaB, {gJ_m g. 3/ 2016)
{nN>bo df H$s 3.8% d{ go D$na CR>H$a 2.5% ~To>& C^aVo
~mOmam| _| g_J OrdZ r{_`_ d{ bJ^J 12% VH$ XwJwZr hmo gmaUr I.5
JB& 2015 _| Hw$b dmV{dH$ r{_`_ d{ Xa
({VeV _|)
dpdH$ Ja-OrdZ r{_`_ d{ _| {nN>bo df Ho$ 2.4% go 2015
jo/Xoe OrdZ Ja-OrdZ Hw$b
_| 3.6% VH$ gwYma Am`m& CV ~mOmam| Ho$ Ja-OrdZ r{_`_
{nN>bo df Ho$ 1.1% go 2.6% VH$ ~To>& C^aVo ~mOmam| Zo AnZr CV Xoe 2.5 2.6 2.5
C^aVo ~mOma 12 7.8 9.8
ge$ r{_`_ d{ H$s d{m (+7.8%) 2015 _| Omar aIr E{e`m 7.8 9.2 8.2
`{n Chm|Zo 2014 H$s VwbZm _| {ZZVa d{ (+8.6) XemB& ^maV 7.8 8.1 7.9
{dd 4 3.6 3.8
I.2.3 OrdZ _| H$B ~mOmam| _| _m_ybr r{_`_ d{ Ama ~hV moV pdg AmaB, {gJ_m g. 3/2016
gmaUr I.6
jo-dma OrdZ Ama Ja-OrdZ ~r_m r{_`_
(r{_`_ {~bZ`Z A_o[aH$s S>mba _|)
jo/Xoe OrdZ Ja-OrdZ Hw$b
CV AW`dWmE 2089.77 1614.30 3704.07
(56.41) (43.59) (100.00)
C^aVo ~mOma 444.05 405.67 849.72
(52.26) (47.74) (100.00)
E{e`m 904.57 446.41 1350.97
(66.96) (33.04) (100.00)
^maV 56.68 15.10 71.78
(78.96) (21.04) (100.00)
{dd 2533.82 2019.97 4553.79
(55.64) (44.36) (100.00)
moV: pdg AmaB, {gJ_m 3/2016.
H$mo>H$ _| AmH$So> {VeV _| IS> H$m Ae {Z{X> H$aVo h&

4
 dm{fH$ [anmoQ> 2015-16

MmQ> I.2: M`{ZV Xoem| _| ~r_m `mnZ-2015

MmQ> I.3: M`{ZV Xoem| _| ~r_m gKZVm - 2015

5
 dm{fH$ [anmoQ> 2015-16

dpdH$ n[a` _| ^maVr` ~r_m ^maV _| ~r_m `mnZ Ama gKZVm

I.2.5 dpdH$ Vma na Hw$b r{_`_ _| OrdZ ~r_m `dgm` H$m I.2.8 ~r_m `mnZ Ama gKZVm H$m _mnZ {H$gr ^r Xoe _| ~r_m
Ae 55.6% Wm& ^maV _| OrdZ ~r_m `dgm` H$m Ae 79% na jo Ho$ {dH$mg Ho$ Va H$mo {Vq~{~V H$aVm h& O~{H$ ~r_m `mnZ
Wm, O~{H$ Ja-OrdZ ~r_m `dgm` H$m Ae 21% na Wm& H$m _mnZ OrS>rnr H$s VwbZm _| ~r_m r{_`_ Ho$ {VeV Ho$ Vma na
{H$`m OmVm h, ~r_m gKZVm H$m n[aH$bZ OZg`m H$s VwbZm _|
I.2.6 OrdZ ~r_m `dgm` _|, 88 Xoem| Ho$ ~rM ^maV H$m WmZ r{_`_ Ho$ AZwnmV ({V `{$ r{_`_) Ho$ $n _| {H$`m OmVm h&
10dm h, {OgHo$ {bE So>Q>m pdg ao mam H$m{eV {H$`m J`m h&
dpdH$ OrdZ ~r_m ~mOma _| ^maV H$m Ae 2015 Ho$ XmamZ 2.24% I.2.9 ~r_m jo Ho$ CXmarH$aU Ho$ nhbo XeH$ Ho$ XmamZ Bg jo Zo
Wm, Ohm `h 2014 _| 2.08% Wm& VWm{n, 2015 Ho$ XmamZ ^maV ~r_m `mnZ _| gwgJV d{ gy{MV H$s Omo 2001 _| {d_mZ 2.71
_| OrdZ ~r_m r{_`_ (_wm\$s{V g_m`mo{OV) 7.8% ~T>m O~ {VeV go 2009 _| 5.20 {VeV VH$ hB& V~ go `mnZ H$m Va
dpdH$ OrdZ ~r_m r{_`_ _| 4% d{ hB& KQ> ahm Wm& VWm{n, 2015 _| Bg_| An d{ hB {Oggo 2014 _|
{d_mZ 3.3 {VeV H$s VwbZm _| `h 3.44 {VeV VH$ nhM
I.2.7 ^maVr` Ja-OrdZ ~r_m jo Zo 2015 Ho$ XmamZ 8.1 {VeV JB& ~r_m gKZVm Ho$ Va _| Bgr H$ma H$s d{m ahr Omo 2001 Ho$
(_wm\$s{V g_m`mo{OV) H$s d{ XoIr Ohm dpdH$ Ja-OrdZ 11.5 A_o[aH$s S>mba Ho$ Va go df 2010 _| 64.4 A_o[aH$s
~r_m r{_`_ _| d{ Ho$db 3.6% hr Wr& VWm{n, dpdH$ Ja- S>mba Ho$ A{YH$V_ VH$ nhMr& g_rjmYrZ df 2015 Ho$ XmamZ
OrdZ ~r_m r{_`_ _| ^maVr` Ja-OrdZ ~r_m r{_`_ H$m Ae ~r_m gKZVm 54.7 A_o[aH$s S>mba Wr&
0.75% na Wm VWm ^maV H$m WmZ 88 Xoem| Ho$ ~rM 18dm h&
gmaUr I.7
^maV _| ~r_m `mnZ Ama gKZVm
df OrdZ Ja-OrdZ CmoJ
gKZVm `mnZ gKZVm `mnZ gKZVm `mnZ
(`yEgS>r) ({VeV) (`yEgS>r) ({VeV) (`yEgS>r) ({VeV)
2001 9.1 2.15 2.4 0.56 11.5 2.71
2002 11.7 2.59 3 0.67 14.7 3.26
2003 12.9 2.26 3.5 0.62 16.4 2.88
2004 15.7 2.53 4 0.64 19.7 3.17
2005 18.3 2.53 4.4 0.61 22.7 3.14
2006 33.2 4.1 5.2 0.6 38.4 4.8
2007 40.4 4 6.2 0.6 46.6 4.7
2008 41.2 4 6.2 0.6 47.4 4.6
2009 47.7 4.6 6.7 0.6 54.3 5.2
2010 55.7 4.4 8.7 0.71 64.4 5.1
2011 49 3.4 10 0.7 59 4.1
2012 42.7 3.17 10.5 0.78 53.2 3.96
2013 41 3.1 11 0.8 52 3.9
2014 44 2.6 11 0.7 55 3.3
2015 43.2 2.72 11.5 0.72 54.7 3.44
{Q>nUr: 1. ~r_m gKZVm H$m _mnZ Hw$b OZg`m H$s VwbZm _| r{_`_ (A_|[aH$s S>mba _|) Ho$ AZwnmV Ho$ $n _| {H$`m OmVm h&
2. ~r_m `mnZ H$m _mnZ OrS>rnr (A_o[aH$s S>mba _|) H$s VwbZm _| r{_`_ (A_o[aH$s S>mba _|) Ho$ AZwnmV Ho$ $n _| {H$`m OmVm h&
moV pdg AmaB, {gJ_m, {d{^ AH$

6
 dm{fH$ [anmoQ>
MmQ> I.4: ^maV _| ~r_m `mnZ
I.2.10 OrdZ ~r_m `dgm` H$s ~r_m gKZVm 2001 Ho$ 9.1
A_o[aH$s S>mba go ~T>H$a 2010 _| 55.7 A_o[aH$s S>mba Ho$ Ma_
na nhMr Wr& 2015 Ho$ XmamZ OrdZ ~r_m gKZVm H$m Va 43.2
A_o[aH$s S>mba Wm& Bgr H$ma OrdZ ~r_m `mnZ _| 2001 Ho$
2.15 {VeV go 2009 _| 4.60 {VeV VH$ CWmZ hAm& V~ go
BgZo EH$ {JamdQ> H$s d{m XemB& VWm{n, 2015 _| Bg_| WmoS>r-
gr d{ ahr {Oggo `h 2014 Ho$ 2.6% H$s VwbZm _| 2015 _|
2.72 {VeV VH$ nhM J`m&
I.2.11 {nN>bo 10 dfm] _| Xoe _| Ja-OrdZ ~r_m jo H$m `mnZ
0.5 - 0.8 {VeV Ho$ Xm`ao _| pWa ahm& VWm{n, BgH$s gKZVm
2001 Ho$ 2.4 A_o[aH$s S>mba go ~T>H$a 2015 _| 11.5 A_o[aH$s
S>mba hmo JB&
(moV pdg ao, {gJ_m g. 3/ 2016)
2015-16
MmQ> I.5: ^maV _| ~r_m gKZVm
I.3 ^maVr` ~r_m ~mOma H$m _y`mH$Z
^maV _| nOrH$V ~r_mH$Vm
I.3.1 _mM 2016 Ho$ AV _| ^maV _| 54 ~r_mH$Vm n[aMmbZaV h
{OZ_| go 24 OrdZ ~r_mH$Vm h, 24 gmYmaU ~r_mH$Vm h VWm 5
dm` ~r_mH$Vm h Omo EH$_m dm` ~r_m `dgm` H$aVo h&
BZHo$ A{V[a$, OrAmBgr EH$_m nwZ~u_mH$Vm h&
I.3.2 dV_mZ _| n[aMmbZ _| bJo hE 54 ~r_mH$VmAm| _| go AmR>
gaH$mar jo _| h Ama eof {N>`mbrg {ZOr jo _| h& Xmo {deofrH$V
~r_mH$Vm AWm BgrOrgr Ama EAmBgr, EH$ OrdZ ~r_mH$Vm AWm
^maVr` OrdZ ~r_m {ZJ_ (EbAmBgr), gmYmaU ~r_m _| Mma
Ama nwZ~u_m _| EH$ AWm OrAmBgr gaH$mar jo _| h& 23 OrdZ
~r_mH$Vm, 18 gmYmaU ~r_mH$Vm Ama 5 Q>S>AbmoZ dm`
~r_mH$Vm {ZOr jo _| h&
7
 dm{fH$ [anmoQ> 2015-16

gmaUr I.8 gmaUr I.9

^maV _| nOrH$V ~r_mH$Vm Omo{I_-A{H$V r{_`_ : OrdZ ~r_mH$Vm
(31 _mM 2016 H$s pW{V Ho$ AZwgma) (` H$amoS>)
~r_mH$Vm H$m H$ma gaH$mar jo {ZOr jo Hw$b ~r_mH$Vm 2014-15 2015-16
OrdZ 1 23 24 {Z`{_V r{_`_ (1)
gmYmaU 6 18 24 EbAmBgr 23112.20 23829.38
dm` 0 5 5 (-27.56) (3.10)
nwZ~u_m 1 0 1 {ZOr jo 23901.76 27149.32
Hw$b 8 46 54 (16.61) (13.59)
{Q>nUr ^maV _| nOrH$V ~r_mH$VmAm| H$s gyMr AZw~Y _| Xr JB h& Hw$b 47013.96 50978.70
(-10.28) (8.43)
OrdZ ~r_m EH$b r{_`_ (2)
EbAmBgr 55395.51 74062.13
r{_`_ (-5.96) (33.70)
{ZOr jo 10920.05 13821.47
I.3.3 OrdZ ~r_m CmoJ Zo {nN>bo {dmr` df _| XO `328102 (20.08) (26.57)
H$amoS> H$s VwbZm _| 2015-16 Ho$ XmamZ `366943.23 H$amoS> H$s
Hw$b 66315.56 87883.60
r{_`_ Am` XO H$s Ama Bg H$ma BgZo 11.84 {VeV H$s d{ (-2.37) (32.52)
XO H$s ({nN>bo df _| 4.39 {VeV d{ Wr)& O~{H$ {ZOr jo W_ df r{_`_ (3 =(1+2))
Ho$ ~r_mH$VmAm| Zo AnZr r{_`_ Am` _| 13.64 {VeV d{ XO EbAmBgr 78507.71 97891.51
H$s ({nN>bo df _| 14.32 {VeV d{ Wr), EbAmBgr Zo 11.17 (-13.55) (24.69)
{VeV d{ XO H$s ({nN>bo df _| d{ 1.15 {VeV Wr)& {ZOr jo 34821.81 40970.79
(17.97) (17.66)
I.3.4 O~{H$ ZdrH$aU r{_`_ OrdZ ~r_mH$VmAm| mam m Hw$b Hw$b 113329.52 138862.30
r{_`_ H$m 62.16 {VeV ahm h (2014-15 _| 65.46 {VeV), (-5.81) (22.53)
W_ df r{_`_ Zo eof 37.84 {VeV H$m AeXmZ {H$`m (2014- ZdrH$aU r{_`_ (4)
15 _| 34.54 {VeV Wm)& 2015-16 Ho$ XmamZ ZdrH$aU r{_`_ EbAmBgr 161159.94 168552.70
_| d{ 6.20 {VeV Wr (2014-15 _| 10.72 {VeV)& W_ (10.28) (4.59)
df r{_`_ Zo 2014-15 H$s 5.81 {VeV H$s {JamdQ> H$s VwbZm {ZOr jo 53612.54 59528.23
_| 22.53 {VeV d{ XO H$s& (12.06) (11.03)
Hw$b 214772.48 228080.93
I.3.5 W_ df r{_`_ H$m AmJo Ama {^mOZ `h {Z{X> H$aVm (10.72) (6.20)
h {H$ OrdZ ~r_mH$VmAm| mam m EH$b r{_`_ Am` Zo 2015- Hw$b r{_`_ (5 =(3+4)=(1+2+4))
16 Ho$ XmamZ 32.52 {VeV H$s gH$mam_H$ d{ XO H$s (2014- EbAmBgr 239667.65 266444.21
15 _| 2.37 {VeV {JamdQ> Wr)& EH$b r{_`_ CnmXm| Zo (1.15) (11.17)
{ZOr jo 88434.35 100499.02
EbAmBgr Ho$ {bE _wI ^y{_H$m AXm H$aZm Omar aIm `m|{H$ (14.32) (13.64)
Chm|Zo EbAmBgr H$s Hw$b EH$b r{_`_ Am` Ho$ 27.80 {VeV
Hw$b 328102.00 366943.23
H$m AeXmZ {H$`m (2014-15 _| 23.11 {VeV)& VwbZm_H$ (4.39) (11.84)
{Q>nUr: H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| d{ ({VeV _|) {Z{X>
H$aVo h&

8
 dm{fH$ [anmoQ> 2015-16

~r_mH$VmAm| Zo 13.59 {VeV H$s d{ XO H$s (2014-15 _|

MmQ> I.6: OrdZ ~r_mH$VmAm| H$m 16.61 {VeV d{ Wr); O~{H$ EbAmBgr Zo {Z`{_V r{_`_
W_ df r{_`_ _| 3.10 {VeV H$s d{ XO H$s (2014-15 _| 27.56 {VeV
{JamdQ> Wr)&

I.3.7 `y{ZQ> gh~ CnmXm| (`y{bn) Zo 2014-15 Ho$ `41617.80

H$amoS> H$s VwbZm _| 2015-16 _| `46871.58 H$amoS> VH$ 12.62
{VeV r{_`_ d{ XO H$s& Xygar Amoa, nman[aH$ CnmXm| go
r{_`_ _| d{ 2014-15 _| {d_mZ `286484.20 H$amoS> Ho$
_wH$m~bo r{_`_ `320071.65 H$amoS> Ho$ gmW 11.72 {VeV
Wr& VXZwgma Hw$b r{_`_ _| `y{ZQ> gh~ CnmXm| H$m Ae 2014-
15 Ho$ 12.68 {VeV H$s VwbZm _| 2015-16 _| 12.77 {VeV
VH$ ~T>m&

$n go 2015-16 Ho$ XmamZ Hw$b r{_`_ Am` _| EH$b r{_`_
Am` H$m AeXmZ {ZOr ~r_m H$n{Z`m| Ho$ {bE 13.75 {VeV Wm
(2014-15 _| 12.35 {VeV)&
I.3.6 {Z`{_V r{_`_ Zo 2014-15 H$s 10.28 {VeV {JamdQ>
Ho$ _wH$m~bo 2015-16 _| 8.43 {VeV d{ XO H$s& {ZOr
~mOma Ae
I.3.8 Hw$b r{_`_ Am` Ho$ AmYma na EbAmBgr H$m ~mOma
Ae 2014-15 Ho$ 73.05 {VeV go 2015-16 _| 72.61 {VeV
VH$ KQ>m& {ZOr ~r_mH$VmAm| H$m ~mOma Ae 2014-15 Ho$ 26.95
{VeV go ~T>H$a 2015-16 _| 27.39 {VeV hmo J`m&

MmQ> I.7: OrdZ ~r_mH$VmAm| MmQ> I.8: 5 df Ho$ {bE OrdZ ~r_mH$VmAm|
H$m Hw$b r{_`_ H$m Hw$b r{_`_

9
 dm{fH$ [anmoQ> 2015-16

I.3.9 W_ df r{_`_ _| {ZOr ~r_mH$VmAm| H$m ~mOma Ae O~{H$ {ZOr jo Zo {nN>bo df Ho$ _wH$m~bo Omar H$s JB ZB nm{b{g`m|
2015-16 _| 29.50 {VeV ahm (2014-15 _| `h 30.73 H$s g`m _o ANo> gwYma Ho$ gmW (2014-15 _| 9.79 {VeV H$s
{VeV Wm)& `hr EbAmBgr Ho$ {bE 70.50 {VeV (2014- {JamdQ> H$s VwbZm _|) 7.92 {VeV H$s d{ XO H$s, EbAmBgr
Zo Omar H$s JB ZB nm{b{g`m| H$s g`m _| CoIZr` gwYma (2014-
15 _| 69.27 {VeV) Wm& Bgr H$ma, ZdrH$aU r{_`_ _|
15 H$s 41.55 {VeV H$s {JamdQ> H$s VwbZm _|) Ho$ gmW 1.86
EbAmBgr Zo 73.90 {VeV na AnZm CVa Ae Omar aIm {VeV H$s An d{ XO H$s&
(2014-15 _| 75.04 {VeV) O~{H$ BgH$s VwbZm _| {ZOr
~r_mH$VmAm| H$m Ae 26.10 {VeV (2014-15 _| 24.96 I.3.11 g_J $n _| CmoJ Zo Omar H$s JB ZB nm{b{g`m| H$s g`m
{VeV) Wm& _| 3.20 {VeV d{ (2014-15 _| 36.61 {VeV H$s {JamdQ>
H$s VwbZm _|) XoIr&
gmaUr I.10
~mOma Ae : OrdZ ~r_mH$Vm
~r_mH$Vm 2014-15 2015-16 gmaUr I.11
{Z`{_V r{_`_ (1) Omar H$s JB ZB nm{b{g`m : OrdZ ~r_mH$Vm
EbAmBgr 49.16 46.74 (` bmI _|)
{ZOr jo 50.84 53.26 ~r_mH$Vm 2014-15 2015-16
Hw$b 100.00 100.00 EbAmBgr 201.71 205.47
EH$b r{_`_ (2) (-41.55) (1.86)
{ZOr jo 57.37 61.92
EbAmBgr 83.53 84.27 (-9.79) (7.92)
{ZOr jo 16.47 15.73
Hw$b 259.08 267.38
Hw$b 100.00 100.00 (-36.61) (3.20)
W_ df r{_`_ (3 =(1+2)) {Q>nUr : H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| d{ ({VeV _|) {Z{X>
EbAmBgr 69.27 70.50 H$aVo h&
{ZOr jo 30.73 29.50
Hw$b 100.00 100.00 MwH$Vm nyOr
ZdrH$aU r{_`_ (4) I.3.12 31 _mM 2016 H$s pW{V Ho$ AZwgma OrdZ ~r_m H$n{Z`m|
EbAmBgr 75.04 73.90 H$s Hw$b nyOr `26691.47 H$amoS> Wr& 2015-16 Ho$ XmamZ {ZOr
{ZOr jo 24.96 26.10 jo Ho$ ~r_mVmAm| mam `451.91 H$amoS> H$s A{V[a$ nyOr CmoJ _|
Hw$b 100.00 100.00 bmB JB&
Hw$b r{_`_ (5 =(3+4)=(1+2+4))
EbAmBgr 73.05 72.61 gmaUr I.12
{ZOr jo 26.95 27.39 MwH$Vm nyOr* : OrdZ ~r_mH$Vm
Hw$b 100.00 100.00 (` H$amoS>)
~r_mH$Vm 31 _mM
2015-16 31 _mM
ZB nm{b{g`m : 2015 H$mo
Ho$ XmamZ 2016
n[adYZ
I.3.10 2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Zo 267.38
EbAmBgr 100.00 0.00 100.00
bmI ZB nm{b{g`m Omar H$s, {OZ_| go EbAmBgr Zo 205.47 {ZOr jo 26139.56 451.91 26591.47
bmI nm{b{g`m (Omar H$s JB Hw$b ZB nm{b{g`m| H$m 76.84
{VeV) Ama {ZOr OrdZ ~r_mH$VmAm| Zo 61.92 bmI nm{b{g`m Hw$b 26239.56 451.91 26691.47
(Omar H$s JB Hw$b ZB nm{b{g`m| H$m 23.16 {VeV) Omar H$s& * eo`a r{_`_ Ama eo`a AmdoXZ am{e Bg_| em{_b Zht h&

10
 dm{fH$ [anmoQ> 2015-16

OrdZ ~r_mH$VmAm| Ho$ `` `o {d{Z`_ A` ~mVm| Ho$ gmW-gmW CnmX Ho$ H$ma Ama d$n,
r{_`_ ^wJVmZ Ad{Y Ama ~r_m `dgm` H$s Ad{Y H$mo `mZ _|
I.3.13 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 Ho$ AZwAZwg_ aIVo hE ~YZ Ho$ ``m| H$s AZw_{V-`mo` gr_mE {ZYm[aV H$aVo
_| AZwgaU _| ~r_m A{Y{Z`_, 1938 H$s Ymam 40 ~r H$m gemoYZ h& ~r_mH$VmAm| Ho$ nmg {dH$n h {H$ do `m Vmo BZ {d{Z`_m| H$m
{H$`m J`m Ama dh {ZZmZwgma nT>r OmVr h "H$moB ^r ~r_mH$Vm nmbZ H$a| `m ~r_m {Z`_, 1939 Ho${Z`_ 17S>r Ho$ AYrZ nyd Ho$
^maV _| AnZo mam {H$`o OmZodmbo ~r_m `dgm` Ho$ g~Y _| {H$gr Cn~Ym| H$m nmbZ H$a|&
^r {dmr` df _| {dmr` df _| Bg A{Y{Z`_ Ho$ AYrZ {d{Z`_m|
mam {d{Z{X> H$s OmZodmbr am{e goA{YH$ H$moB am{e ~YZ Ho$ I.3.14 g_J H$_reZ `` AZwnmV (r{_`_m| Ho$ {VeV Ho$ $n
``m| Ho$ $n _| ``Zht H$aoJm&" _| H$_reZ ``) 2014-15 Ho$ 5.93 {VeV go gr_mV $n go
KQ>H$a 2015-16 _| 5.52 {VeV ahm& VWm{n, Hw$b H$_reZ
VXZwgma AmBAmaS>rEAmB (OrdZ ~r_m `dgm` H$aZodmbo 4.14 {VeV (Hw$b r{_`_ d{ 11.84 {VeV) ~T>m, {Z`{_V
~r_mH$Vm A m| Ho $ ~ Y Z Ho $ ``) {d{Z`_,2016 E\$.g . H$_reZ 5.25 {VeV ~T>m ({Z`{_V r{_`_ d{ 8.43 {VeV),
AmBAmaS>rEAmB/ AmaBOr/ 14/ 126/2016 mam 9 _B 2016
H$mo A{Ygy{MV {H$`o J`o& gmaUr I.14
H$_reZ `` AZwnmV : OrdZ ~r_mH$Vm
gmaUr I.13 ({VeV _|)
H$_reZ `` : OrdZ ~r_mH$Vm
(` H$amoS>) ~r_mH$Vm 2014-15 2015-16
~r_mH$Vm 2014-15 2015-16 {Z`{_V (1)
{Z`{_V (1) EbAmBgr 27.23 27.16
{ZOr jo 12.56 12.20
EbAmBgr 6293.44 6473.19
{ZOr jo 3003.16 3311.17 Hw$b 19.77 19.19
Hw$b 9296.60 9784.36 EH$b r{_`_ (2)
EH$b r{_`_ (2) EbAmBgr 0.48 0.35
{ZOr jo 0.37 0.29
EbAmBgr 264.37 255.94
{ZOr jo 40.22 40.58 Hw$b 0.46 0.34
Hw$b 304.59 296.52 W_ df (3 =(1+2))
W_ df (3 =(1+2)) EbAmBgr 8.35 6.87
{ZOr jo 8.74 8.18
EbAmBgr 6557.81 6729.13
{ZOr jo 3043.38 3351.75 Hw$b 8.47 7.26
Hw$b 9601.19 10080.88 ZdrH$aU (4)
ZdrH$aU (4) EbAmBgr 5.31 5.20
{ZOr jo 2.42 2.38
EbAmBgr 8560.33 8771.20
{ZOr jo 1299.16 1414.61 Hw$b 4.59 4.47
Hw$b 9859.49 10185.81 Hw$b (5 =(3+4)=(1+2+4))
Hw$b (5 =(3+4)=(1+2+4)) EbAmBgr 6.31 5.82
{ZOr jo 4.91 4.74
EbAmBgr 15118.14 15500.33
{ZOr jo 4342.54 4766.36 Hw$b 5.93 5.52
{Q>nUr : H$_reZ `` AZwnmV H$_reZ Ama OrdZ ~r_mH$VmAm| Ho$ mam
Hw$b 19460.68 20266.69 Omo{I_-A{H$V r{_`_ Ho$ ~rM AZwnmV h&

11
 dm{fH$ [anmoQ> 2015-16

W_ df H$_reZ 5.00 {VeV ~T>m (W_ df r{_`_ d{ gmaUr I.16

n[aMmbZ `` AZwnmV : OrdZ ~r_mH$Vm
22.53 {VeV) VWm ZdrH$aU H$_reZ _| 3.31 {VeV d{ hB
~r_mH$Vm 2014-15 2015-16
(ZdrH$aU r{_`_ d{ 6.20 {VeV)& EH$b r{_`_ _| 32.52
EbAmBgr 9.34 8.52
{VeV ~T>moVar hB, naVw EH$b r{_`_ H$_reZ _| 2.65 {VeV
{ZOr jo 16.36 16.01
{JamdQ> ahr h& VWm{n, {ZOr ~r_mH$VmAm| Ama EbAmBgr Ho$ ~rM Hw$b 11.23 10.57
VwbZm H$aZo na pW{V _| Hw$N> {d{^Vm h, Ogr {H$ gmaUr I.13 _| {Q>nUr : n[aMmbZ `` AZwnmV OrdZ ~r_mH$VmAm| Ho$ mam Omo{I_-
A{H$V r{_`_ H$s VwbZm _| n[aMmbZ ``m| H$m AZwnmV h&
{Vq~{~V h {Og_| XmoZm| {ZOr Ama gaH$mar jo Ho$ OrdZ
~r_mH$VmAm| Ho$ {bE H$_reZ `` H$m {^mOZ VwV {H$`m J`m
h& AXm {H$`o J`o bm^

I.3.15 OrdZ ~r_mH$VmAm| Ho$ n[aMmbZ `` 2014-15 _| I.3.16 OrdZ CmoJ Zo 2015-16 _| `201766.10 H$amoS> Ho$
1.61 {VeV KQ> J`o, naVw 2015-16 _| 5.22 {VeV ~To>& bm^ AXm {H$`o (2014-15 _| `210915.03 H$amoS>) Omo Omo{I_-
OrdZ ~r_m `dgm` Ho$ {bE n[aMmbZ `` 2014-15 _| A{H$V gH$b r{_`_ H$m 54.99 {VeV h (2014-15 _| 64.28
`36859.16 H$amoS> na aho Ama 2015-16 _| `38783.09 H$amoS> {VeV)& {ZOr ~r_mH$VmAm| mam AXm {H$`o J`o bm^ `60565.05
VH$ ~To>& EbAmBgr Ho$ n[aMmbZ `` 1.32 {VeV ~T> J`o Ama H$amoS> Wo (2014-15 _| `66789.28 H$amoS>) Omo Omo{I_-A{H$V
{ZOr ~r_mH$VmAm| Ho$ n[aMmbZ ``m| _| 11.25 {VeV d{ hB& r{_`_ H$m 60.26 {VeV (2014-15 _| 75.52 {VeV) h&
OrdZ ~r_m `dgm` CmoJ Ho$ {bE, n[aMmbZ `` AZwnmV EbAmBgr Zo 2015-16 _| `141201.05 H$amoS> Ho$ bm^m| H$m
(Omo{I_-A{H$V r{_`_ H$s VwbZm _| n[aMmbZ ``m| H$m ^wJVmZ {H$`m Omo Omo{I_-A{H$V r{_`_ H$m 52.99 {VeV
AZwnmV)2014-15 Ho$ 11.23 {VeV go KQ>H$a 2015-16 _| (2014-15 _| `144125.75 H$amoS>, Omo{I_-A{H$V r{_`_
10.57 {VeV ahm& n[aMmbZ `` Omo{I_-A{H$V gH$b r{_`_ H$m 60.14 {VeV) h& A`nUm| / AmhaUm| Ho$ H$maU AXm {H$`o
Ho$ {VeV Ho$ $n _| EbAmBgr Ho$ {bE 2014-15 Ho$ 9.34 {VeV J`o bm^ `80356.75 H$amoS> VH$ H$_ hmo J`o, {OZ_| go EbAmBgr
go KQ>H$a 2015-16 _| 8.52 {VeV aho& {ZOr ~r_mH$VmAm| Ho$ mam {H$`o J`o ^wJVmZ `37292.24 H$amoS> Wo Ama {ZOr jo mam
{bE `o 2014-15 Ho$ 16.36 {VeV go 2015-16 _| 16.01 {H$`o J`o ^wJVmZ `43064.51 H$amoS> Wo& {nN>bo df Ho$ VwbZr`
{VeV VH$ H$_ hmo J`o& AmH$S>o `100389.24 H$amoS > Wo {OZ_| go EbAmBgr Ho$ `46537.61
H$amoS> Wo Ama {ZOr jo Ho$ mam `53851.96 H$amoS> AXm {H$`o J`o
Wo& Mmby df _| EbAmBgr Ho$ _m_bo _| `37292.24 H$amoS> Ho$
gmaUr I.15
n[aMmbZ `` : OrdZ ~r_mH$Vm A`nUm| _| go `y{bn nm{b{g`m| Ho$ `8960.57 H$amoS> (24.03
(` H$amoS>) {VeV) Wo O~{H$ 2014-15 _| `23224.49 H$amoS> (49.90
~r_mH$Vm 2014-15 2015-16 {nN>bo df
H$s VwbZm {VeV) AXm {H$`o J`o Wo& {ZOr ~r_m CmoJ Ho$ _m_bo _| `y{bn
_| d{ (%) A`nU 2014-15 Ho$ `48724.32 H$amoS> (90.48 {VeV)
EbAmBgr 22395.45 22691.83 1.32 H$s VwbZm _| 2015-16 _| `37489.04 H$amoS> (87.05 {VeV)
{ZOr jo 14463.72 16091.26 11.25
Wo&
Hw$b 36859.16 38783.09 5.22

12
 dm{fH$ [anmoQ> 2015-16

gmaUr I.17
2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Ho$ d`{$H$ _`w Xmdo
(AmH$So> nm{b{g`m| Ho$ {VeV _|)
OrdZ ~r_mH$Vm Hw$b ^wJVmZ {ZamH$V/ {V- df Ho$ Ad{Y-dma b{~V Xmdm| H$m
Xmdo {H$`o J`o AdrH$V {b{IV AV _| {dbo{fV {ddaU (nm{b{g`m)
Xmdo Xmdo Xmdo b{~V Xmdo <3 3-<6 6-<1 >1
_hrZo _hrZo df df
{ZOr Hw$b 100.00 91.48 6.67 0.00 1.85 76.24 10.20 3.87 9.68
EbAmBgr 100.00 98.33 0.98 0.17 0.51 17.71 20.34 36.82 25.14
CmoJ Hw$b 100.00 97.43 1.73 0.15 0.69 38.25 16.78 25.25 19.71
df 2015-16 Ho$ {bE _`w Xmdo Ho$ 1.15 {VeV H$s VwbZm _| 2015-16 _| 0.98 {VeV VH$
ZrMo Am`m&
d`{$H$ OrdZ ~r_m `dgm`
I.3.19 {ZOr ~r_mH$VmAm| Ho$ {bE {ZnQ>mZ AZwnmV _| {nN>bo df
I.3.17 df 2015-16 _| OrdZ ~r_m H$n{Z`m| Zo d`{$H$ Ho$ XmamZ pWV 89.40 {VeV H$s VwbZm _| {dmr` df 2015-16
nm{b{g`m| na 8.54 bmI Xmdm| H$m {ZnQ>mZ {H$`m, Omo `12,636.66 Ho$ XmamZ 91.48 {VeV na 2.08% H$s d{ hB& {ZamH$aUm| H$m
H$amoS> Ho$ Hw$b ^wJVmZ go g~ Wm& {ZamH$V / AdrH$V Xmdm| H$s {VeV {nN>bo df Ho$ 7.78% H$s VwbZm _| df 2015-16 _|
g`m 15,157 Wr Omo `736.51 H$amoS> Ho$ {bE Wr& df Ho$ AV _| 6.67% VH$ KQ> J`m&
b{~V Xmdm| H$s g`m 6,031 Wr Ama g~ am{e `444.23 H$amoS>
Wr& BZ_| go 1189 Xmdo EH$ df go A{YH$ g_` Ho$ {bE b{~V Wo I.3.20 CmoJ Ho$ {ZnQ>mZ AZwnmV _| 2014-15 Ho$ 96.97 {VeV
VWm 4,842 Xmdo EH$ df go H$_ Ama EH$ df VH$ H$s Ad{Y Ho$ go 2015-16 _| 97.43 {VeV VH$ WmoS>r-gr d{ hB VWm
{bE b{~V Wo& {ZamH$aU AZwnmV _| 2014-15 Ho$ 2.08 {VeV H$s VwbZm _|
1.73% VH$ H$_r AmB&
I.3.18 EbAmBgr H$m Xmdm {ZnQ>mZ AZwnmV {ZOr OrdZ
~r_mH$VmAm| H$s VwbZm _| ~ohVa Wm& EbAmBgr H$m {ZnQ>mZ AZwnmV gm_y{hH$ OrdZ ~r_m
{nN>bo df Ho$ 98.19 {VeV H$s VwbZm _| df 2015-16 Ho$
I.3.21 2015-16 Ho$ XmamZ Hw$b gy{MV {H$`o J`o Xmdo 5,45,337
XmamZ 98.33 {VeV VH$ ~T>m& {ZamH$aUm| H$m {VeV {nN>bo df
Wo, O~{H$ df Ho$ ma^ _| 14,388 Xmdo b{~V Wo& BZ_| go, OrdZ
gmaUr I.18
2015-16 Ho$ XmamZ OrdZ ~r_mH$VmAm| Ho$ gm_y{hH$ _`w Xmdo
(AmH$So> a{jV OrdZm| Ho$ {VeV _|)
OrdZ ~r_mH$Vm Hw$b ^wJVmZ {ZamH$V/ {V- df Ho$ Ad{Y-dma b{~V Xmdm| H$m
Xmdo {H$`o J`o AdrH$V {b{IV AV _| {dbo{fV {ddaU (OrdZ)
Xmdo Xmdo Xmdo b{~V Xmdo <3 3-<6 6-<1 >1
_hrZo _hrZo df df
{ZOr Hw$b 100.00 94.65 0.93 0.00 4.42 4.10 0.69 0.36 94.85
EbAmBgr 100.00 99.69 0.04 0.00 0.27 18.24 7.14 10.64 63.98
CmoJ Hw$b 100.00 96.94 0.53 0.00 2.53 4.77 1.00 0.85 93.38

13
 dm{fH$ [anmoQ>
MmQ> I.9: b{~V Xmdm| H$m Ad{Y-dma
{dco{fV {ddaU-d`{$H$ nm{b{g`m
~r_m CmoJ Zo Hw$b 5,28,638 Xmdm| H$m (Hw$b Xmdm| H$m 96.94%)
{ZnQ>mZ {H$`m Wm& {ZnQ>m`o J`o Xdm| _| go 96.28% Xmdm| H$m {ZnQ>mZ
gyMZm m hmoZo go 30 {XZ Ho$ AXa {H$`m J`m& 0.01% Xmdm| Ho$
{ZnQ>mZ Ho$ {bE gyMZm {_bZo Ho$ ~mX EH$ df go A{YH$ g_` bJm&
31.03.2016 H$s pW{V Ho$ AZwgma `yMa OZambr bmB\$ B`moa|g
H$nZr Ho$ g~Y _| EH$ df go A{YH$ b{~V gm_y{hH$ _`w Xmdo
(12414) 31.03.2016 H$mo Hw$b OrdZ CmoJ Ho$ EH$ df go
A{YH$ b{~V Xmdm| (12900) H$m 96.23 {VeV ~ZVo h& `yMa
OZambr Ho$ b{~V Xmdm| H$mo N>mSo >H$a EH$gmW A` g^r ~r_mH$VmAm|
Ho$ b{~V Xmdo 486 h& `yMa OZambr bmB\$ B`moa|g H$nZr Ho$
12414 b{~V gm_y{hH$ _`w Xmdm| _| go 12371 _wH$X_m|
({b{Q>JoeZ) Ho$ AYrZ h Ama {ZU`mYrZ h&
I.3.22 O~{H$ EbAmBgr Zo Xmdm| Ho$ 99.69 H$m {ZnQ>mZ {H$`m,
{ZOr OrdZ ~r_mH$VmAm| Zo g^r Xmdm| Ho$ 94.65 {VeV H$m ^wJVmZ
{H$`m& CmoJ Zo 0.53 {VeV Xmdm| H$mo {ZamH$V {H$`m, ey` {VeV
Xmdm| H$m {VboIZ {H$`m Ama eof 2.53 {VeV Xmdo 31.3.2016
H$mo b{~V Wo&
2015-16
MmQ> I.10: b{~V Xmdm| H$m Ad{Y-dma
{dco{fV {ddaU-gm_y{hH$ nm{b{g`m
{Zdoe Am`
I.3.23 EbAmBgr Ho$ _m_bo _| nyOrJV A{^bm^m| g{hV {Zdoe
Am` `157961.30 H$amoS> (2014-15 _| `168063.58 H$amoS>)
Wr& {ZOr ~r_m CmoJ Ho$ _m_bo _| nyOrJV A{^bm^m| g{hV {Zdoe
Am` 2015-16 _| ` 13078.73 H$amo S > (2014-15 _|
`78650.52 H$amoS>) Wr&
{VYmaU AZwnmV
I.3.24 2015-16 H$ XmamZ, EbAmBgr mam nwZ~u_m r{_`_
Ho$ $n _| `218.82 H$amoS> H$s am{e A`{nV H$s JB ( 2014-15
_| `184.88 H$amoS >) Wr& {ZOr ~r_mH$VmAm| Zo Hw$b {_bmH$a nwZ~u_m
Ho$ {V r{_`_ Ho$ $n _| `1284.32 H$amoS> (2014-15 _|
`991.92 H$amoS>) A`{nV {H$`o&
OrdZ ~r_mH$VmAm| Ho$ bm^
I.3.25 {dmr` df 2015-16 Ho$ XmamZ, OrdZ ~r_m CmoJ Zo
2014-15 Ho$ `7611.31 H$amoS> H$s VwbZm _| H$a Ho$ ~mX
`7414.97 H$amoS> H$m bm^ gy{MV {H$`m& 2015-16 Ho$ XmamZ
14
 dm{fH$ [anmoQ> 2015-16

n[aMmbZ _| bJo hE Mm~rg OrdZ ~r_mH$VmAm| _| go Crg H$n{Z`m|
Zo bm^ gy{MV {H$`o& do h Adrdm bmB\$, ~OmO Abm`O, {~S>bm
gZbmB\$, Ho$Zam EMEg~rgr, S>rEME\$Eb m_o[aH$m, EgmBS>
bmB\$, EMS>rE\$gr Q>S>S>, AmBgrAmBgrAmB wSo>pe`b,
AmBS>r~rAmB \o$S>ab, B{S>`m \$Q>, H$moQ>H$ _{hm, _g bmB\$,
nrEZ~r _oQ>bmB\$, ghmam B{S>`m, Eg~rAmB bmB\$, lram_ bmB\$,
Q>ma `y{Z`Z, Q>mQ>m EAmBE Ama ^maVr` OrdZ ~r_m {ZJ_
(EbAmBgr) ^maVr` OrdZ ~r_m {ZJ_ (EbAmBgr) Zo H$a Ho$
~mX `2517.85 H$amoS> H$m bm^ AWm 2014-15 Ho$ `1823.78
H$amoS> H$s VwbZm _| 38.06 {VeV d{ gy{MV H$s&
eo`aYmaH$m| H$mo {Vbm^
I.3.26 df 2015-16 Ho$ {bE EbAmBgr Zo ^maV gaH$ma H$mo
bm^mem| Ho$ $n _| `2497.03 H$amoS> (2014-15 _| `1803.05
H$amoS>) AXm {H$`o& Mma {ZOr OrdZ ~r_mH$VmAm| Zo {dmr` df
2015-16 Ho$ XmamZ bm^mem| H$m ^wJVmZ {H$`m& EMS>rE\$gr Q>S>S>
bmB\$ Zo `179.54 H$amoS> AXm {H$`o (2014-15 _| `139.64
gmaUr I.19
OrdZ ~r_mH$VmAm| mam AXm {H$`o J`o bm^me
(` H$amoS>)
~r_mH$Vm 2014-15 2015-16
EbAmBgr 1803 2497
{ZOr jo* 1431 1867
Hw$b 3234 4364
* 2014-15 _| 7 OrdZ ~r_mH$Vm Ama 2015-16 _|5 OrdZ ~r_mH$Vm
H$amoS>), AmBgrAmBgrAmB wSo>pe`b Zo `1202.99 H$amoS> AXm
{H$`o (2014-15 _| `836.83 H$amoS>), _g bmB\$ Zo `364.57
H$amoS > AXm {H$`o (2014-15 _| `199.63 H$amoS >), VWm Eg~rAmB
bmB\$ Zo `120 H$amoS> (2014-15 _| `120 H$amoS>) H$m ^wJVmZ
{H$`m&
H$m`mb`m| H$m {dVma
I.3.27 OrdZ ~r_m H$m`mb`m| H$s g`m H$s KQ>Vr hB d{m (Omo
2012-13 VH$ Omar ahr Wr) 2013-14 go CbQ> JB Wr Ama
{nN>bo df H$s 11033 H$s VwbZm _| 2015-16 _| 11071 na d{
XemVr h&
I.3.28 `h nm`m J`m h {H$ OrdZ ~r_mH$VmAm| Ho$ A{YH$me
H$m`mb` AY-ehar H$~m| _| pWV h Ohm H$s OZg`m 10,000
go 99,000 Ho$ ~rM h& OrdZ ~r_m H$m`mb`m| H$m bJ^J 49% BZ
N>moQo> eham| _| pWV h& `h V` XmoZm| {ZOr jo (38.4% H$m`mb`
AY-ehar H$~m| _| h) Ama gaH$mar jo Ho$ OrdZ ~r_mH$VmAm|
(61.5% H$m`mb` AY-ehar H$~m| _| h) Ho$ {bE EH$g_mZ h&
AY-ehar H$~m| Ho$ ~mX A{YH$me OrdZ ~r_m H$m`mb` AWm
31.8% H$m`mb` ehar jom| _| h Ohm H$s OZg`m 1,00,000
go 9,99,990 Ho$ ~rM _| h& `h XmoZm| {ZOr jo (35.2% H$m`mb`
eham| _| h) Ama gaH$mar jo OrdZ ~r_mH$VmAm| (27.6% H$m`mb`
eham| _| h) Ho$ {bE bmJy h&

gmaUr I.20
OrdZ H$m`mb`m| H$s g`m
( 31 _mM H$s pW{V)
~r_m H$Vm 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
{ZOr 3072 6391 8785 8768 8175 7712 6759 6193 6156 6179
EbAmBgr 2301 2522 3030 3250 3371 3455 3526 4839 4877 4892
CmoJ 5373 8913 11815 12018 11546 11167 10285 11032 11033 11071
{Q>nUr: 1) ~r_mH$VmAm| go EH$ {deof {ddaUr mam So>Q>m gJhrV&
2) H$m`mb` ~r_m A{Y{Z`_, 1938 H$s Ymam 64drgr Ho$ AVJV `Wmn[a^m{fV&
3) 2001-2007,Ho$ {bE Bgr H$ma Ho$ So>Q>m Ho$ {bE AmBAmaS>rE dm{fH$ [anmoQ> 2007-08 XoI|&

15
 dm{fH$ [anmoQ> 2015-16

gmaUr I.21E
OrdZ ~r_mH$VmAm| Ho$ H$m`mb`m| H$m {dVaU OrdZ H$m`mb`m| H$s g`m
(31 _mM 2016 H$mo)
~r_mH$Vm _hmZJa ehar AY-ehar Jm_rU Hw$b
{ZOr jo 1287 2176 2372 344 6179
EbAmBgr 380 1349 3009 154 4892
CmoJ 1667 3525 5381 498 11071
***WmZm| H$m dJuH$aU {ZZmZwgma h:
_hmZJa: 10,00,000 Ama Cggo A{YH$ ehar: 1,00,000 go 9,99,999 VH$
AY-ehar: 10,000 go 99,999 VH$ Jm_rU: OZg`m 9999 VH$

gmaUr I.21~r
OrdZ H$m`mb`m| H$s g`m - 31 _mM 2016 H$mo Va-dma
OrdZ ~r_mH$Vm df Va Va Va Va Va Va Hw$b
EbAmBgr 2015 1704 569 1186 1265 75 78 4877
2016 1729 569 1219 1221 81 73 4892
{ZOr jo 2015 4636 798 507 137 53 25 6156
2016 4746 836 426 112 29 30 6179
Hw$b 2015 6340 1367 1693 1402 128 103 11033
2016 6475 1405 1645 1333 110 103 11071
{Q>nUr :
Va - OZg`m 1,00,000 D$na Va - OZg`m 10,000 go 19,999 VH$
Va -OZg`m 50,000 go 99,999 VH$ Va - OZg`m 5,000 go 9,999 VH$
Va - OZg`m 20,000 go 49,999 VH$ Va - OZg`m 5,000 go H$_

OrdZ H$m`mb`m| H$s {Obm-Var` CnpW{V

Mm` I.11: OrdZ ~r_m H$m`mb`m| H$s g`m
I.3.29 31 _mM 2016 H$s pW{V Ho$ AZwgma gaH$mar jo Ho$
EH$_m OrdZ ~r_mH$Vm, ^maVr` OrdZ ~r_m {ZJ_ (EbAmBgr)
Ho$ H$m`mb` Xoe _| 640 {Obm| _| go 606 {Obm| _| h (Xedm{fH$
OZJUZm 2011 Ho$ AZwgma)& Bg pW{V Ho$ hmoVo hE BgZo Xoe _|
g^r {Obm| Ho$ 94.69 {VeV H$mo g_m{d> {H$`m h, O~{H$ {ZOr
jo Ho$ ~r_mH$VmAm| Ho$ nmg 554 {Obm| _| H$m`mb` h {OZHo$ gmW
do Xoe _| g^r {Obm| Ho$ 86.56 {VeV H$mo g_m{d> H$aVo h& Hw$b
{_bmH$a XmoZm| EbAmBgr Ama {ZOr jo {_bH$a Xoe _| g^r {Obm|
Ho$ 95.31 {VeV H$mo gp_{bV {H$`m h& Xoe _| OrdZ ~r_m
H$m`mb`m| H$s CnpW{V go a{hV {Obm| H$s g`m 30 h& BZ_| go,
23 {Obo Cma-nydu am`m| _| go N>h am`m| Ho$ h AWm AUmMb
Xoe, _{Unwa, _oKmb`, {_Omoa_, ZJmbS> Ama {g{$_& 23 am`m|/
gK am`jom| (Xoe _| Hw$b 36 am`m|/ / gKam` jom| _| go) _|
g^r {Obo OrdZ ~r_m H$m`mb`m| mam em{_b {H$`o J`o h&
16
 dm{fH$ [anmoQ> 2015-16

MmQ> I.12: H$m`mb`m| H$m ^mJmo{bH$ MmQ> I.14: H$m`mb`m| H$m ^mJmo{bH$
{d^mOZ-{ZOr jo {dVaU-CmoJ

Ja-OrdZ ~r_m

MmQ> I.13: H$m`mb`m| H$m ^mJmo{bH$ r{_`_

{dVaU-EbAmBgr I.3.30 Ja-OrdZ ~r_m CmoJ Zo ^maV _| 2014-15 Ho$ `84686
H$amoS> H$s VwbZm _| df 2015-16 _| `96379 H$amoS> Ho$ Hw$b
`j r{_`_ H$m Omo{I_-AH$Z {H$`m Ama Bg H$ma {nN>bo df
_| XO 9.20 {VeV H$s d{ Xa H$s VwbZm _| 13.81 {VeV H$s
d{ Xa XO H$s& gaH$mar jo Ho$ ~r_mH$VmAm| Zo {nN>bo df H$s
10.24 {VeV d{ Xa H$s VwbZm _| 12.08 {VeV na 2015-
16 _| d{ X{eV H$s& {ZOr gmYmaU ~r_mH$VmAm| Zo {nN>bo df
Ho$ XmamZ m 9.62 {VeV d{ Xa Ho$ _wH$m~bo 13.12 {VeV
H$s d{ Xa XO H$s&

I.3.31 Q>S>AbmoZ dm` ~r_mH$VmAm| Zo {nN>bo df H$s 31.07

{VeV d{ Xa H$s VwbZm _| 41.12 {VeV H$s d{ Xa XO H$s
VWm {deofrH$V ~r_mH$VmAm| Zo {nN>bo df H$s 12.7 {VeV H$s
Ad-d{ (S>r-JmoW) H$s VwbZm _| 18.04 H$s d{ Xa XO H$s&

I.3.32 2015-16 _| 23 {ZOr jo ~r_mH$VmAm| mam (Q>S>AbmoZ

dm` ~r_mH$VmAm| g{hV) Omo{I_-A{H$V r{_`_ 2014-15
Ho $ ` 38,033 H$amo S > H$s Vw b Zm _| ` 43847 H$amo S > Wm&
AmBgrAmBgrAmB bmo~mS> Zo bJmVma {ZOr jo H$s g~go ~S>r

17
 dm{fH$ [anmoQ> 2015-16

gmaUr I.22
Ja-OrdZ ~r_mH$VmAm| H$s gH$b `j MmQ> I.15 ^maV _| gH$b `j r{_`_ Am`:
r{_`_ Am` (^maV Ho$ AXa)
(` H$amoS>) Ja-OrdZ ~r_mH$Vm
~r_mH$Vm 2014-15 2015-16
gaH$mar jo ~r_mH$Vm 42551 47691
(10.24) (12.08)
{ZOr jo ~r_mH$Vm 35090 39694

H$amoS>)
(9.62) (13.12)
Q>S>AbmoZ dm` ~r_mH$Vm 2943 4153

(`
(31.07) (41.12)
{deofrH$V ~r_mH$Vm 4102 4842
(-12.7) (18.04)
Hw$b 84686 96380
(9.20) (13.81)
{Q>nUr: H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| {VeV _| d{ {Z{X> H$aVo h&

15.60 {VeV go ~T>H$a 2015-16 _| 15.72 {VeV hmo J`m

Ja-OrdZ ~r_m H$nZr Ho$ $n _| AnZm WmZ Omar aIm, {OgH$m
~mOma Ae {nN>bo df Ho$ 7.89 {VeV Ho$ ~mOma Ae Ho$ _wH$m~bo
Mmby df _| 8.39 {VeV ahm& ~OmO Abm`O {ZOr jo H$s
Xygar g~go ~S>r Ja-OrdZ ~r_m H$nZr h, {OgZo `5,832 H$amoS>
Ho$ Hw$b r{_`_ H$m Omo{I_-AH$Z {H$`m, 2014-15 Ho$ 6.18
{VeV Ho$ ~mOma Ae _| g_rjmYmZ df _| 6.05 {VeV VH$
H$_r gy{MV H$s& df 2015-16 _n n[aMmbZ _| bJo hE 23 {ZOr
~r_mH$VmAm| _| go 21 ~r_mH$VmAm| Zo df 2015-16 Ho$ {bE
Omo{I_-A{H$V r{_`_ _| d{ H$s gyMZm Xr& ^maVr Agm OZab
B`moag| H$nZr {b{_Qo>S> Ama _J_m EMS>rAmB OZab B`moag| H$nZr
{b{_Qo>S> Zo df 2015-16 Ho$ {bE Omo{I_-A{H$V r{_`_ _|
H$_r gy{MV H$s&
I.3.33 gaH$mar jo Ho$ Ja-OrdZ ~r_mH$VmAm| Ho$ _m_bo _| g^r
Mma H$n{Z`m| Zo r{_`_ gJhUm| Ho$ g~Y _| d{ Ho$ gmW AnZo
`dgm` H$m {dVma {H$`m& VWm{n, gaH$mar jo Ho$ Xmo ~r_mH$VmAm|
H$m ~mOma Ae {nN>bo df H$s VwbZm _| H$_ hAm& Amo[a`Q>b H$m
~mOma Ae {nN>bo df Ho$ 8.75 {VeV go KQ>H$a 2015-16 _|
8.63 {VeV hAm VWm ZoeZb B`moa|g H$m ~mOma Ae {nN>bo
df Ho$ 13.27 {VeV H$s VwbZm _| 2015-16 _| 12.43 {VeV
VH$ H$_ hAm& VWm{n, `y B{S>`m H$m ~mOma Ae {nN>bo df Ho$
VWm `wZmBQo>S> B{S>`m Ho$ ~mOma Ae _| {nN>bo df Ho$ 12.63 {VeV
go 2015-16 _| 12.71 {VeV VH$ d{ hB& `y B{S>`m, {OgZo
`15150 H$amoS> Ho$ `j r{_`_ H$m gJhU {H$`m, EH$ ~ma nwZ
^maV _| g~go ~S>r gmYmaU ~r_m H$nZr ahr&
IS>-dma r{_`_
I.3.34 _moQ>a `dgm` g~go ~So> Ja-OrdZ ~r_m IS> Ho$ $n _|
Omar ahm {OgH$m Ae 43.89 {VeV (2014-15 _| 44.14
{VeV) Wm& BgZo 13.17 {VeV H$s d{ Xa gy{MV H$s ((2014-
15 _| 10.52 {VeV)& dm` IS> _| r{_`_ gJhU bJmVma
CWmZ na Wm Omo 2014-15 Ho$ `22,636 H$amoS> go ~T>H$a 2015-
16 _| `27,457 H$amoS> na AJga ahm Ama BgZo 21.30 {VeV
H$s d{ XO H$s& VWm{n, dm` IS> H$m ~mOma Ae {nN>bo df
Ho$ 26.73 {VeV go ~T>H$a 28.49 {VeV hAm& A{ (\$m`a)
go r{_`_ gJhU 8.35 {VeV ~T>m, VWm _arZ IS>m| Ho$ {bE `h
2015-16 _| 1.19 {VeV KQ>m O~{H$ {nN>bo df Ho$ {bE \$m`a
Ama _arZ IS>m| _| d{ Xa H$_e 9.44 {VeV Ama -4.49
{VeV Wt&

18
 dm{fH$ [anmoQ> 2015-16

gmaUr I.23
^maV _| gH$b `j r{_`_ Am` MmQ> I.16 Ja-Ord ~r_mH$VmAm| H$m gH$b
Ja-OrdZ ~r_mH$Vm H$nZr-dma `j r{_`_ - 5 df
(` bmI)
~r_mH$Vm Hw$b r{_`_ ~mOma Ae (%)
2014-15 2015-16 2014-15 2015-16
gaH$mar jo ~r_mH$Vm
ZoeZb 1124189 1197607 13.27 12.43
`y B{S>`m 1320939 1514951 15.60 15.72
Amo[a`Q>b 740796 831474 8.75 8.63
`wZmBQo>S> 1069173 1225036 12.63 12.71
Cn-OmoS> 4255097 4769068 50.25 49.49
{ZOr jo ~r_mH$Vm
am`b gwXa_ 156920 169412 1.85 1.76
[abm`g 271584 279156 3.21 2.90
BH$mo Q>mo{H$`mo 332997 369133 3.93 3.83
Q>mQ>m EAmBOr 271414 295856 3.20 3.07
AmBgrAmBgrAmB bmo~mS> 667780 809071 7.89 8.39
~OmO Abm`O 522985 583215 6.18 6.05
Mmobm_S>b_ 189043 245200 2.23 2.54
H$moQ>H$ _{hm -- 371 -- 0.00
EMS>rE\$gr EaJmo 318221 337955 3.76 3.51
`yMa OZambr 143825 155526 1.70 1.61 gmaUr I.24
`y{Zdgb gmonmo 70111 90379 0.83 0.94 Ja-OrdZ ~r_mH$VmAm| mam Omo{I_-A{H$V r{_`_
lram_ 149652 171227 1.77 1.78 (^maV Ho$ AXa) - IS>-dma
^maVr Agm 145707 127441 1.72 1.32 (` H$amoS>)
ahoOm `y~rB 2163 2876 0.03 0.03
Eg~rAmB 157690 203985 1.86 2.12 {d^mJ 2014-15 2015-16
Eb ES> Q>r 33171 47339 0.39 0.49 \$m`a 8058 8731
_J_m EMS>rAmB 47360 40394 0.56 0.42 (9.51) (9.06)
{b~Q>u dr{S>`moH$mZ 28386 40872 0.34 0.42 _arZ 3020 2984
C\$-OmoS> 3509009 3969407 41.44 41.18 (3.57) (3.10)
Q>S>AbmoZ dm` ~r_mH$Vm _moQ>a 37379 42301
Anmobmo `y{ZI 80313 102218 0.95 1.06 (44.14) (43.89)
{gJZm Q>rQ>rHo$ 2183 14382 0.03 0.15 dm` 22636 27457
_g ~ynm 37266 47601 0.44 0.49 (26.73) (28.49)
ao{bJoa 27580 50332 0.33 0.52 A` 13593 14905
Q>ma hoW 146919 200734 1.73 2.08 (16.05) (15.47)
Cn-OmoS> 294261 415267 3.47 4.31
Hw$b r{_`_ 84686 96379
{deofrH$V ~r_mH$Vm
{Q>nUr : 1. H$mo>H$ _| AmH$So> g~{YV IS> H$m AZwnmV ({VeV _|) {Z{X>
BgrOrgr 136240 132073 1.61 1.37 H$aVo h&
EAmBgr 273970 352122 3.24 3.65 2. Cn`w$ AmH$S>m| _| {deofrH$V ~r_mH$VmAm| Ama Q>S>AbmoZ dm`
Cn-OmoS> 410210 484195 4.84 5.02 ~r_mH$VmAm| H$m r{_`_ em{_b h&
3. dm` ~r_m _| `mm Ama d`{VH$ XwKQ>Zm ~r_m em{_b h&
Hw$b OmoS > 8468577 9637937 100.00 100.00

19
 dm{fH$ [anmoQ> 2015-16

MmQ> I.17
Ja-OrdZ ~r_mH$VmAm| mam Omo{I_-A{H$V (^maV Ho$ AXa) r{_`_ IS>-dma

^maV Ho$ ~mha Omo{I_-A{H$V r{_`_
I.3.35 gaH$mar jo Ho$ g^r ~r_mH$Vm (`wZmBQo>S> B{S>`m H$mo
N>moS>H$a) ^maV Ho$ ~mha Ja-OrdZ ~r_m H$m Omo{I_-AH$Z H$a aho
h& `wZmBQo>S> B{S>`m Zo 2003-04 _| ^maV Ho$ ~mha n[aMmbZ g_m
{H$`o Wo& gaH$mar jo Ho$ VrZ ~r_mH$VmAm| mam Xoe Ho$ ~mha Omo{I_-
A{H$V Hw$b r{_`_ 2014-15 Ho$ `2,466 H$amoS> Ho$ _wH$m~bo
2015-16 _| `2,954 H$amoS> na ahm {OgZo {nN>bo df Ho$ 3.61
{VeV H$s VwbZm _| 19.79 {VeV d{ XO H$s& ^maV Ho$ ~mha
Omo{I_-A{H$V r{_`_ Ja-OrdZ ~r_mH$VmAm| mam Omo{I_-
A{H$V Hw$b r{_`_ H$m 3.06 {VeV Wm O~{H$ {nN>bo df _| `h
2.91 {VeV Wm&
I.3.36 ^maV Ho$ ~mha Omo{I_-A{H$V r{_`_ Ho$ Vma na `y
B{S>`m bJmVma g~go ~S>m gaH$mar jo gmYmaU ~r_mH$Vm ahm&
2015-16 _| C$ ~r_mH$Vm mam Omo{I_-A{H$V Hw$b r{_`_
{dXoer r{_`_ H$m 14.71 {VeV (2014-15 _| 14.67%)
Wm& Amo[a`Q>b Ho$ _m_bo _| `h 2015-16 _| 3.45 {VeV
(2014-15 _| 2.12%) h& ZoeZb B`moa|g 2015-16 _| 0.36
{VeV na bJmVma {dXoer `dgm` H$m EH$ N>moQ>m KQ>H$ AnZo nmg
aIm (2014-15 _| 0.37 {VeV gy{MV)&
I.3.37 2015-16 _| ^maV Ho$ ~mha Omo{I_-A{H$V `2954
H$amoS> Ho$ Hw$b r{_`_ _| go `y B{S>`m Zo `2614 H$amoS> Ho$ CVa
r{_`_ H$m Omo{I_-AH$Z {H$`m (2014-15 _| `2271 H$amoS>)&
gaH$mar jo Ho$ gmYmaU ~r_mH$VmAm| Ho$ Hw$b ^maV Ho$ ~mha r{_`_
_| BgH$m ~mOma Ae 2014-15 Ho$ 92.10 {VeV go KQ>H$a
2015-16 _| 88.50 {VeV hmo J`m& ZoeZb B`moa|g Zo 2015-
16 _| `43 H$amoS> Ho$ r{_`_ H$m Omo{I_-AH$Z {H$`m (2014-
15 _| `41 H$amoS >)& ^maV Ho$ ~mha Amo[a`Q>b B`moag| mam Omo{I_-
A{H$V r{_`_ `297 H$amoS> na Wm Omo {nN>bo df Ho$ `154 H$amoS>
H$s VwbZm _| CVa ahm Ama Bg H$ma BgZo 92.79 {VeV d{
XO H$s&

20
 dm{fH$ [anmoQ> 2015-16

gmaUr I.25 gmaUr I.27

Hw$b r{_`_ H$s VwbZm _| ^maV Ho$ ~mha Omar H$s JB nm{b{g`m| H$s g`m
r{_`_ H$m AZwnmV Ja-OrdZ ~r_mH$Vm*
({VeV) (` bmI _|)
~r_mH$Vm 2014-15 2015-16 ~r_mH$Vm 2014-15 2015-16
ZoeZb 0.36 0.36 gaH$mar jo 677.82 671.32
`y B{S>`m 14.67 14.71 (12.95) (-0.96)
Amo[a`Q>b 2.04 3.45 {ZOr jo 504.97 549.44
`wZmBQo>S> 0.00 0.00 (18.96) (8.84)
gmaUr I.26 Hw$b 1182.79 1220.76
^maV Ho$ ~mha `dgm` go OrS>rnr (15.44) (3.21)
(` bmI) *Q>S>AbmoZ dm` {ZOr Ama {deofrH$V ~r_mH$VmAm| H$mo N>moS>H$a
{Q>nUr: H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| d{ ({VeV _|) {Z{X>
~r_mH$Vm 2014-15 2015-16 H$aVo h&
ZoeZb 4073 4291
(6.90) (5.34) MwH$Vm nyOr
`y B{S>`m 227095 261380
(3.81) (15.10) I.3.39 31 _mM 2015 H$s pW{V Ho$ AZwgma Ja-OrdZ
Amo[a`Q>b 15398 29685 ~r_mH$VmAm| H$s MwH$Vm nyOr `11,504 H$amoS> Wr& 2015-16 Ho$
-(0.47) (92.79)
XmamZ, Ja-OrdZ ~r_mH$VmAm| Zo AnZr B{$Q>r nyOr Ho$ AmYma _|
`wZmBQo>S> 0 0
`1099 H$amoS> OmoS> {X`o& gaH$mar jo Ho$ ~r_mH$VmAm| Zo nyOr Zht
Hw$b 246566 295356
{Q>nUr : H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| d{ H$m {VeV {Z{X> H$aVo h& OmoS >r, O~{H$ {deofrH$V gWm BgrOrgr Zo `100 H$amoS > H$s A{V[a$
nyOr XmZ H$s& {ZOr jo Ho$ ~r_mH$VmAm| Zo `694 H$amoS> H$s gr_m
Omar H$s JB nm{b{g`m| H$s g`m
VH$ A{V[a$ nyOr em{_b H$s& Q>S>AbmoZ dm` ~r_mH$VmAm|
I.3.38 Ja-OrdZ ~r_mH$VmAm| Zo (Q>S>AbmoZ dm` {ZOr Zo `305 H$amoS> H$s nyOr OmoS> Xr& 31 _mM 2016 H$s pW{V Ho$
Ama {deofrH$V ~r_mH$VmAm| H$mo N>moS>H$a) {dmr` df 2014-15 AZwgma Hw$b MwH$Vm nyOr `12603 H$amoS> h&
_| Omo{I_-A{H$V 1182.79 bmI nm{b{g`m| H$s VwbZm _| {dmr`
A` H$ma H$s nyOr
df 2015-16 _| 1220.76 bmI nm{b{g`m| H$m Omo{I_-AH$Z
{H$`m Ama Bg H$ma {dmr` df 2014-15 Ho$ _wH$m~bo 3.21 I.3.40 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 H$s Ymam
{VeV H$s d{ gy{MV H$s& gaH$mar jo Ho$ ~r_mH$VmAm| Zo Omar 6E(1)(i) Ho$ AYrZ Xr JB e{$ Ho$ AZwgaU _| VWm ~r_m A{Y{Z`_
H$s JB nm{b{g`m| H$s g`m _| EH$ gr_mV H$_r XoIr& Chm|Zo Omar H$s Ymam 114E Ama AmBAmaS>rE A{Y{Z`_, 1999 H$s Ymam 26
H$s JB nm{b{g`m| H$s g`m _| {dmr` df 2014-15 _| H$s JB Ho $ AYrZ Xm e{$ H$m `mo J H$aVo h E m{YH$aU Zo
12.95 H$s d{ H$s VwbZm _| {dmr` df 2015-16 Ho$ XmamZ AmBAmaS>rEAmB (A` H$ma H$s nyO
r) {d{Z`_, 2016 A{Ygy{MV
0.96 {VeV H$_r gy{MV H$s& {ZOr jo Ho$ ~r_mH$VmAm| Zo {dmr` {H$`o&
df 2015-16 _| Omar H$s JB nm{b{g`m| H$s g`m _| 8.84 {VeV
H$s d{ ({dmr` df 2014-15 _| 18.96 {VeV) gy{MV H$s&

21
 dm{fH$ [anmoQ> 2015-16

gmaUr I.28 gmaUr I.29

MwH$Vm nyOr : Ja-OrdZ ~r_mH$Vm Ama nwZ~u_mH$Vm* Omo{I_-AH$Z AZw^d : Ja-OrdZ ~r_mH$Vm
(` H$amoS>) (` H$amoS>)
2014-15 2015-2016 2014-15 2015-16
Ja-OrdZ gaH$mar jo ~r_mH$Vm -7019 -10839
gaH$mar jo 650 650 (-18.25) (-25.33)
{ZOr jo 6972 7666 {ZOr jo ~r_mH$Vm -2495 -3662
{deofrH$V gWmE (-10.23) (-13.49)
BgrOrgr 1200 1300 Q>S>AbmoZ dm` ~r_mH$Vm -611 -273
EAmBgr 200 200 (-28.40) (-8.98)
Q>S>AbmoZ dm` ~r_mH$Vm {deofrH$V ~r_mH$Vm -450 -188
(-17.20) (-6.62)
Q>ma hoW 362 387
Anmobmo `y{ZI 349 357 Hw$b -10576 -14962
_g ~ynm 791 898 (-15.64) (-19.73)
ao{bJoa hoW 350 475 {Q>nUr : H$mo>H$ _| AmH$So> {Zdb A{OV r{_`_ H$s VwbZm _| Omo{I_-
AH$Z bm^/hm{Z H$m AZwnmV {Z{X> H$aVo h&
{gJZm Q>rQ>rHo$ 200 240 (Omo{I_-AH$Z bm^/hm{Z= A{OV r{_`_ ({Zdb)-CnJV Xmdm
nwZ~u_mH$Vm ({Zdb)-H$_reZ-~r_m `dgm` go g~{YV n[aMmbZ ``-r{_`_ H$_r)
OrAmBgr 430 430
H$_reZ `` 2015-16 Ho$ {bE H$_e `3343 H$amoS>, `1983
Hw$b 11504 12603
H$amoS>, `457 H$amoS> Ama `28 H$amoS> aho, Ama gM`r Vma na Ja-
{Q>nUr *Bg_| eo`a r{_`_ Ama eo`a AmdoXZ am{e em{_b Zht h&
OrdZ CmoJ Ho$ {bE Hw$b H$_reZ `` `5811 H$amoS> aho& H$_reZ
Omo{I_-AH$Z AZw^d `` bJmVma dm` IS> Ho$ {bE A{YH$V_ aho, Omo `2168 H$amoS>
Wo {OZ_| gaH$mar jo Ho$ {bE `1114 H$amoS>, {ZOr jo H$n{Z`m| Ho$
I.3.41 Ja-OrdZ ~r_m H$n{Z`m| H$s Omo{I_-AH$Z hm{Z`m {nN>bo {bE `597 H$amoS>, Ama Q>S>AbmoZ dm` ~r_m H$n{Z`m| Ho$ {bE
df Ho$ `10576 H$amoS> go ~T>H$a 2015-16 _| `14962 hmo JB& `457 H$amoS> Wo&
Omo{I_-AH$Z hm{Z`m {nN>bo df H$s VwbZm _| 41.47 {VeV
~T>t& gaH$mar jo Ho$ ~r_mH$VmAm| H$s hm{Z`m 2014-15 Ho$ `7019 I.3.43 Hw$b ``m| _| go EH$ ~S>m ^mJ H$_reZ ``m| Ama n[aMmbZ
H$amoS> go 54.42 {VeV ~T>H$a 2015-16 _| `10839 H$amoS> hB& ``m| H$m h& Ja-OrdZ ~r_m H$n{Z`m| Ho$ n[aMmbZ `` 2014-
{ZOr jo Ho$ ~r_mH$VmAm| H$s hm{Z`m 2014-15 Ho$ `2495 H$amoS> 15 Ho$ `20206 H$amoS> H$s VwbZm _| 2015-16 _| `23230 H$amoS>
go 2015-16 _| `3662 VH$ ~T>t& Q>S>AbmoZ dm` ~r_mH$Vm Wo, Omo 14.97 {VeV H$s g_J d{ XemVo h& gaH$mar jo
H$s Omo{I_-AH$Z hm{Z`m 2014-15 Ho$ `611 H$amoS> go KQ>H$a ~r_mH$VmAm|, {ZOr Ja-OrdZ ~r_mH$VmAm|, Q>S>AbmoZ dm`
2015-16 _| `273 H$amoS> aht& {deofrH$V ~r_mH$VmAm| Zo 2015- ~r_mH$VmAm| Ama {deofrH$V ~r_mH$VmAm| Ho$ n[aMmbZ ``m| _|
16 _| Omo{I_-AH$Z hm{Z`m| _| CoIZr` H$_r gy{MV H$s Omo {nN>bo df H$s VwbZm _| H$_e 12.11 {VeV, 19.84 {VeV,
2014-15 Ho$ `450 H$amoS> H$s Omo{I_-AH$Z hm{Z H$s VwbZm _| 14.22 {VeV Ama 0.73 {VeV d{ hB&
`188 H$amoS> h&
({Q>nUr: {nN>bo df Ho$ AmH$S>o _o n[adVZ H$m H$maU a{jV {_r`_ H$m A^md h&) I.3.44 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 H$s Ymam 40~r
Ama 40gr Ho$ AVJV Xr JB e{$ Ho$ AZwgaU _| VWm ~r_m
Ja-OrdZ ~r_mH$VmAm| Ho$ ``
A{Y{Z`_ H$s Ymam 114E Ho$ AVJV Xm e{$ H$m `moJ H$aVo
I.3.42 gaH$mar jo ~r_mH$VmAm|, {ZOr jo ~r_mH$VmAm|, hE m{YH$aU Zo AmBAmaS>rEAmB (gmYmaU Ama dm` ~r_m
Q>S>AbmoZ dm` ~r_mH$VmAm| Ama {deofrH$V ~r_mH$VmAm| Ho$ `dgm` H$aZodmbo ~r_mH$VmAm| Ho$ ~YZ Ho$ ``) {d{Z`_, 2016
22
 dm{fH$ [anmoQ> 2015-16

gmaUr I.30
H$_reZ ``-Ja-OrdZ ~r_mH$Vm (gH$b `j H$_reZ)
(` H$amoS>)
IS> {ZOr jo gaH$mar jo Q>S>AbmoZ {deofrH$V Hw$b
~r_mH$Vm ~r_mH$Vm dm` ~r_mH$Vm ~r_mH$Vm
2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16
\$m`a 192.14 223.91 568.04 602.07 0.00 0.00 0.00 0.00 760.18 825.98
_arZ 99.16 104.35 169.37 141.06 0.00 0.00 0.00 0.00 268.53 245.41
_moQ>a 716.53 789.16 870.95 983.88 0.00 0.00 0.00 0.00 1587.48 1773.04
dm` 526.02 597.05 1000.52 1113.87 311.98 456.78 0.00 0.00 1838.52 2167.70
A` 226.87 268.74 496.23 501.94 0.00 0.00 34.19 27.97 757.29 798.65
Hw$b 1760.72 1983.21 3105.11 3342.82 311.98 456.78 34.19 27.97 5212.00 5810.78
Omar {H$`o h& Cn`w$ {d{Z`_m| _| ~r_mH$VmAm| H$mo {dmr` df CnJV Xmdm AZwnmV
2015-16 Ho$ {bE `h {dH$n CnbY H$am`m h {H$ do `m Vmo ~r_m
{Z`_, 1939 Ho$ nhbo Ho$ {Z`_ 17B H$m nmbZ H$a| `m BZ {d{Z`_m| I.3.46 Ja-OrdZ ~r_mH$VmAm| Ho$ {Zdb CnJV Xmdo 2014-15
H$m AZwgaU H$a|& Ho$ `55232 H$amoS> Ho$ _wH$m~bo 2015-16 _| `64495 H$amoS> aho&
2015-16 Ho$ XmamZ CnJV Xmdm| Zo 16.77 {VeV H$s d{ X{eV
I.3.45 m{YH$aU Zo 23 {ZOr ~r_mH$VmAm| H$mo CZHo$ n[aMmbZm| H$s& gaH$mar jo Ho$ ~r_mH$VmAm|, {ZOr jo Ho$ Ja-OrdZ
Ho$ W_ nmM dfm] _| {Z`_ 17B Ho$ AVJV gr_mAm| Ho$ g~Y _| Ny>Q> ~r_mH$VmAm|, Q>S>AbmoZ dm` ~r_mH$VmAm| Ama {deofrH$V
XmZ H$s h& {dmr` df 2015-16 Ho$ XmamZ 6 {ZOr ~r_mH$Vm Ny>Q> ~r_mH$VmAm| Zo CnJV Xmdm| _| H$_e 20.71 {VeV, 12.01
H$s Ad{Y Ho$ AYrZ h& nmM {dmr` dfm] H$s C$ Ad{Y W_
{VeV, 32.41 {VeV Ama (-)1.40 {VeV H$s d{ gy{MV
Am{eH$ {dmr` df Ho$ A{V[a$ hmoJr&
H$s& 2015-16 Ho$ XmamZ CnJV Xmdm AZwnmV _| g_J d{ 16.77
{VeV na Wr Omo {nN>bo df _| XO 12.31 {VeV go CVa Wr&

I.3.47 Ja-OrdZ ~r_m CmoJ H$m CnJV Xmdm AZwnmV ({Zdb

A{OV r{_`_ H$s VwbZm _| {Zdb CnJV Xmdo) 2015-16 Ho$
XmamZ 85.05 {VeV Wm Omo {nN>bo df Ho$ 81.70 {VeV Ho$
AmH$So> go CVa h& gaH$mar jo Ho$ ~r_mH$VmAm| Ho$ {bE CnJV
gmaUr I.31
n[aMmbZ `` : Ja-OrdZ ~r_mH$Vm Xmdm AZwnmV df 2015-16 Ho$ {bE 89.03 {VeV Wm Omo {nN>bo
(` H$amoS>) df Ho$ 82.09 {VeV Ho$ CnJV Xmdm AZwnmV go ~T>m Wm& O~{H$
~r_mH$Vm 2014-15 2015-16 {ZOr jo Ho$ Ja-OrdZ ~r_mH$VmAm|, Q>S>AbmoZ dm`
gaH$mar jo ~r_mH$Vm 11181 12535 ~r_mH$VmAm| Ama {deofrH$V ~r_mH$VmAm| Ho$ {bE df 2015-16
{ZOr jo ~r_mH$Vm 7527 9020 Ho$ {bE CnJV Xmdm AZwnmV H$_e 80.17 {VeV, 58.20 {VeV
Q>S>AbmoZ dm` ~r_mH$Vm 1224 1398 Ama 100.54 {VeV Wm, O~{H$ VwbZr` $n _| {nN>bo df H$m
AZwnmV H$_e 79.69 {VeV, 62.18 {VeV Ama 110.68
{deofrH$V ~r_mH$Vm 275 277
{VeV Wm&
Hw$b 20206 23230

23
 dm{fH$ [anmoQ> 2015-16

I.3.48 {d{^ IS>m| Ho$ ~rM dm` ~r_m Ama _moQ>a ~r_m H$m {Zdoe Am` Ja-OrdZ ~r_mH$Vm
Xmdm AZwnmV C ahm Omo H$_e 98.43 {VeV Ama 81.18
I.3.49 2015-16 Ho$ XmamZ g^r Ja-OrdZ ~r_mH$VmAm| H$s
{VeV Wm& _moQ>a IS> H$m CnJV Xmdm AZwnmV {nN>bo df Ho$
{Zdoe Am` `19090 H$amoS> Wr (2014-15 _| `16607 H$amoS>
AZwnmV 77.14 {VeV go df 2015-16 _| 81.18 {VeV VH$
Wr) {OgZo {nN>bo df Ho$ 16.44 {VeV Ho$ _wH$m~bo 14.95 {VeV
~T>m& VWm{n, A` IS>m| H$m CnJV Xmdm AZwnmV {nN>bo df Ho$ H$s d{ XO H$s& g_rjmYrZ df Ho$ XmamZ Q>S>AbmoZ dm`
73.91 {VeV go ~T>H$a 75.94 {VeV hmo J`m h& {\$a ^r, ~r_mH$VmAm| H$s {Zdoe Am` CoIZr` $n _| 35.90 {VeV ~T>r
\$m`a IS> H$m CnJV Xmdm AZwnmV {nN>bo df Ho$ 73.78 {VeV h VWm {ZOr jo Ho$ ~r_mH$VmAm| Ama {deofrH$V ~r_mH$VmAm| Zo
H$s VwbZm _| 74.47 {VeV VH$ ~T> J`m h& H$_e 19.27 {VeV Ama 8.28 {VeV H$s d{ H$s h& Xygar
Amoa, gaH$mar jo Ho$ ~r_mH$VmAm| Ho$ {bE {Zdoe Am` Zo 13.26
{VeV H$s d{ XemB Wr&
gmaUr I.32
{Zdb CnJV Xmdo: Ja-OrdZ ~r_mH$Vm gmaUr I.34
(` H$amoS>) Ja-OrdZ ~r_mH$VmAm| H$s {Zdoe Am`
(` H$amoS>)
~r_mH$Vm 2014-15 2015-16
~r_mH$Vm 2014-15 2015-16
gaH$mar jo ~r_mH$Vm 31567.75 38104.27
(13.48) (20.71) gaH$mar jo 10725.02 12147.41
{ZOr jo ~r_mH$Vm 19430.46 21764.44 (14.17) (13.26)
(8.71) (12.01) {ZOr jo 4770.95 5690.17
Q>S>AbmoZ dm` ~r_mH$Vm 1336.62 1769.76 (21.60) (19.27)
(31.55) (32.41) Q>S>AbmoZ dm` ~r_mH$Vm 178.56 242.67
{deofrH$V ~r_mH$Vm 2897.21 2856.56 (34.98) (35.90)
(17.27) (-1.40) {deofrH$V ~r_mH$Vm 932.75 1009.98
(14.77) (8.28)
Hw$b `moJ 55232.04 64495.03
(12.31) (16.77) Hw$b OmoS> 16607 19090
(16.44) (14.95)
{Q>nUr H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| {VeV d{ XemVo h&
{Q>nUr: H$mo>H$ _| AmH$So> g~{YV jom| H$s d{ Xa ({VeV _|) XemVo h&
gmaUr I.33
CnJV Xmdm AZwnmV : Ja-OrdZ ~r_mH$Vm
({VeV _|)
IS> gaH$mar jo {ZOr jo Q>S>AbmoZ {deofrH$V Hw$b
~r_mH$Vm ~r_mH$Vm dm` ~r_mH$Vm ~r_mH$Vm
2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16
\$m`a 75.21 76.03 66.19 66.31 -- -- -- -- 73.78 74.47
_arZ 57.80 63.66 87.38 85.90 -- -- -- -- 67.44 72.05
_moQ>a 72.38 79.83 81.91 82.54 -- -- -- -- 77.14 81.18
dm`* 109.97 115.45 79.17 74.59 62.18 58.21 -- -- 96.93 98.43
A` 55.97 59.24 60.61 75.11 -- -- 110.68 100.54 73.91 75.94
Hw$b 82.09 89.03 79.69 80.17 62.18 58.21 110.68 100.54 81.70 85.05
*: dm` ~r_m _| `mm Ama d`{VH$ XwKQ>Zm ~r_m em{_b h&

24
 dm{fH$ [anmoQ> 2015-16

gmaUr I.35
Ja-OrdZ ~r_mH$VmAm| Ho$ {Zdb bm^ Ja-OrdZ ~r_mH$VmAm| H$m {Zdb bm^
(` bmI)
I.3.50 df 2015-16 Ho$ XmamZ Ja-OrdZ ~r_m CmoJ H$m Hw$b ~r_mH$Vm 2014-15 2015-16
{Zdb bm^ 2014-15 Ho$ `4639 H$amoS> H$s VwbZm _| `3238 gaH$mar jo 309399 149900
H$amoS> Wm& gaH$mar jo H$s H$n{Z`m| Zo `1499 H$amoS> Ho$ {Zdb {ZOr jo 164351 133324
bm^ H$s gyMZm Xr& {ZOr jo Ho$ ~r_mH$VmAm| Zo `1333 H$amoS> H$m Q>S>AbmoZ dm` ~r_mH$Vm -44651 -17692
{Zdb bm^ gy{MV {H$`m Ama {deofrH$V ~r_mH$VmAm| Zo `583 {deofrH$V ~r_mH$Vm 34814 58316
H$amoS> Ho$ {Zdb bm^ H$s gyMZm Xr O~{H$ Q>S>AbmoZ dm`
Hw$b OmoS> 463913 323848
~r_mH$VmAm| Zo `177 H$amoS> H$s {Zdb hm{Z gy{MV H$s&

I.3.51 gaH$mar jo Ho$ g^r Mma ~r_mH$VmAm| Zo df 2015-16
Ho$ XmamZ {Zdb bm^ gy{MV {H$`o& `y B{S>`m Zo 2014-15 Ho$
`1431 H$amoS> Ho$ bm^ H$s VwbZm _| df 2015-16 Ho$ XmamZ `829
H$amoS> H$m {Zdb bm^ gy{MV {H$`m Ama Bg H$ma 42.07% H$s
H$_r hB& ZoeZb Ho$ {Zdb bm^ _| df 2014-15 Ho$ `970 H$amoS>
go `149 H$amoS> VH$ H$_r AmB, Amo[a`Q>b Zo 2014-15 Ho$ `392
H$amoS> Ho$ _wH$m~bo 2015-16 Ho$ XmamZ `300 H$amoS> H$m {Zdb
bm^ gy{MV {H$`m Ama Bg H$ma 23.47% H$s H$_r AmB& `wZmBQo>S>
B{S>`m Zo 2014-15 Ho$ `301 H$amoS> H$s VwbZm _| 2015-16 Ho$
XmamZ `221 H$amoS> Ho$ {Zdb bm^ H$s gyMZm Xr&
I.3.52 2015-16 Ho$ XmamZ AR>mah {ZOr gmYmaU ~r_m H$n{Z`m|
Ho$ ~rM O~{H$ ~mah H$n{Z`m| Zo {Zdb bm^m| H$s gyMZm Xr, eof N>h
H$n{Z`m| Zo {Zdb hm{Z`m CR>mB& df 2015-16 Ho$ XmamZ ~OmO
Abm`O H$m {Zdb bm^ df 2014-15 Ho$ `562 H$amoS> Ho$ {Zdb
bm^ Ho$ _wH$m~bo `564 H$amoS> Wm& AmBgrAmBgrAmB bmo~mS> H$m
{Zdb bm^ `536 H$amoS> Ho$ {Zdb bm^ H$s VwbZm _| `507 H$amoS>
Wm& {OZ gmV ~r_mH$VmAm| Zo {Zdb hm{Z`m| H$s gyMZm Xr do Wo
^maVr Agm, `yMa OZambr, EbES>Q>r OZab, _J_m EMS>rAmB,
H$moQ>H$ _{hm, {b~Q>u dr{S>`moH$mZ Ama Eg~rAmB OZab& df
2014-15 Ho$ g_mZ hr, Anmobmo `y{ZI H$mo N>mSo >H$a g^r Q>S>AbmoZ
dm` ~r_mH$VmAm| Zo df 2015-16 Ho$ XmamZ {Zdb hm{Z`m
gy{MV H$s& Anmobmo `y{ZI Zo df 2015-16 Ho$ XmamZ `7.46
H$amoS> H$m {Zdb bm^ gy{MV {H$`m& XmoZm| {deofrH$V ~r_mH$VmAm|
Zo df 2015-16 Ho$ XmamZ {Zdb bm^ H$s gyMZm Xr&
eo`aYmaH$m| H$mo {Vbm^
I.3.53 gaH$mar jo H$s Mma Ja-OrdZ ~r_m H$n{Z`m| _| `y B{S>`m
Zo df 2014-15 _| AXm {H$`o J`o `300 H$amoS> Ho$ _wH$m~bo df
2015-16 Ho$ XmamZ `250 H$amoS> Ho$ bm^me H$m ^wJVmZ {H$`m&
ZoeZb B`moa|g Zo df 2014-15 Ho$ XmamZ {X`o `194 H$amoS> Ho$
bm^mem| Ho$ _wH$m~bo df 2015-16 Ho$ XmamZ `45 H$amoS> Ho$ bm^me
H$m ^wJVmZ {H$`m& Amo[a`Q>b B`moa|g Zo {nN>bo df _| AXm {H$`o
J`o `110 H$amoS> H$s VwbZm _| df 2015-16 _| `120 H$amoS> H$m
bm^me AXm {H$`m& O~{H$ `wZmBQo>S> B{S>`m Zo df 2014-15 _|
^wJVmZ {H$`o J`o `61 H$amoS> H$s bm^me am{e H$s VwbZm _| df
2015-16 _| `67 H$amoS> Ho$ bm^me H$m ^wJVmZ {H$`m&
{ZOr jo Ho$ ~r_mH$VmAm| Ho$ ~rM df 2015-16 Ho$ XmamZ VrZ
H$n{Z`m| Zo bm^mem| H$m ^wJVmZ {H$`m& EMS>rE\$gr EaJmo Zo `67.30
H$amoS> H$m bm^me AXm {H$`m, AmBgrAmBgrAmB bmo~mS> Zo
`134.17 H$amoS> H$m bm^me AXm {H$`m Ama lram_ OZab Zo
`45.72 H$amoS> Ho$ bm^me H$m ^wJVmZ {H$`m&
I.3.54 OrAmBgr Zo df 2014-15 Ho$ XmamZ AXm {H$`o J`o
`540 H$amoS> Ho$ _wH$m~bo df 2015-16 Ho$ XmamZ `860 H$amoS> Ho$
bm^me H$m ^wJVmZ {H$`m& BgrOrgr Zo df 2014-15 _| AXm
{H$`o J`o `48 H$amoS> H$s VwbZm _| df 2015-16 Ho$ XmamZ `65
H$amoS> H$m ^wJVmZ {H$`m& EAmBgr mam df 2015-16 Ho$ {bE
{H$gr bm^me H$m ^wJVmZ Zht {H$`m J`m&

25
 dm{fH$ [anmoQ> 2015-16

gmaUr I.36 gmaUr I.37

^wJVmZ {H$`o J`o bm^me : Ja-OrdZ ~r_mH$Vm Ja-OrdZ ~r_m H$m`mb`m| H$s g`m
(` H$amoS>) (31 _mM H$mo)
~r_mH$Vm 2014-15 2015-16 jo 2015 2016
Ja-OrdZ gaH$mar jo 8120 8331
gaH$mar jo 665 482 {ZOr jo 1742 1869
{ZOr jo 211 247 Q>S>AbmoZ dm` 458 520
Q>S>AbmoZ dm` ~r_mH$Vm 0 0 {deofrH$V ~r_mH$Vm 87 83
{deofrH$V ~r_mH$Vm Hw$b 10407 10803
BgrOrgr 48 65
EAmBgr 20 0 {deofrH$V ~r_mH$Vm
nwZ~u_mH$Vm
OrAmBgr 540 860 ^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b.
Hw$b 1484 1654
I.3.57 ^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b. (BgrOrgr) EH$
H$m`mb`m| H$s g`m
{deofrH$V ~r_mH$Vm h Omo {Z`mV F$U ~r_m _| Omo{I_-AH$Z H$aVm
I.3.55 31 _mM 2016 H$s pW{V Ho$ AZwgma Ja-OrdZ ~r_m h& Bg H$nZr Zo 2015-16 _| `1321 H$amoS> Ho$ gH$b `j
H$n{Z`m Xoe ^a _| 10,803 H$m`mb`m| go n[aMmbZ H$a ahr Wt&
r{_`_ H$m Omo{I_-AH$Z {H$`m VWm 2014-15 Ho$ `1362 H$amoS >
{Obm Var` `m{ Ho$ _wH$m~bo 3 {VeV H$s H$_r gy{MV H$s& C$ ~r_mH$Vm Zo {nN>bo
df Ho$ `292 H$amoS> H$s Omo{I_-AH$Z hm{Z H$s VwbZm _| `250
I.3.56 Ja-OrdZ IS> _| Xoe _| Mma gaH$mar jo Ho$ ~r_mH$VmAm|
Ho$ 607 {Obm| _| H$m`mb` h (94.84 {VeV)& {ZOr jo Ho$ H$amoS> H$s Omo{I_-AH$Z hm{Z H$s gyMZm Xr& Bg ~r_mH$Vm H$m
~r_mH$Vm 297 {Obm| H$mo g_m{d> H$aVo h (46.40 {VeV)& {Zdb A{OV r{_`_ {nN>bo df Ho$ `1019 H$amoS> H$s VwbZm _|

gmaUr I.38
Ja-OrdZ H$m`mb`m| H$s g`m - 31 _mM 2016 H$mo Va-dma
Ja-OrdZ ~r_mH$Vm df Va I Va II Va III Va IV Va V Va VI Hw$b
gaH$mar jo 2015 3866 1282 1517 1233 170 52 8120
2016 3901 1307 1579 1316 173 55 8331
{ZOr jo 2015 1706 28 6 2 0 0 1742
2016 1823 36 7 2 1 0 1869
Q>S>AbmoZ dm` 2015 255 203 0 0 0 0 458
2016 290 62 168 0 0 0 520
{deofrH$V ~r_mH$Vm 2015 87 0 0 0 0 0 87
2016 83 0 0 0 0 0 83
Hw$b 2015 5914 1513 1523 1235 170 52 10407
2016 6097 1405 1754 1318 174 55 10803
{Q>nUr :
Va I - OZg`m 1,00,000 D$na Va IV - OZg`m 10,000 go 19,999 VH$
Va II -OZg`m 50,000 go 99,999 VH$ Va V - OZg`m 5,000 go 9,999 VH$
Va III - OZg`m 20,000 go 49,999 VH$ Va VI - OZg`m 5,000 go H$_

26
 dm{fH$ [anmoQ>
MmQ> I.18 2015-16 Ho$ {bE Va-dma
Ja OrdZ ~r_m H$m`mb`m| H$s g`m
`979 H$amoS> H$m h& H$nZr H$m {Zdb bm^ {nN>bo df Ho$ `180
H$amoS> go ~T>H$a `276 H$amoS> hAm& C$ ~r_mH$Vm Zo 2015-16 _|
102% H$m CnJV Xmdm AZwnmV (2014-15 _| 114%) gy{MV
{H$`m&
I.3.58 H$nZr Ho$ nmg AVaU Jma{Q>`m| g{hV 2015-16 _| 11525
AnH$m{bH$ {Z`mV F$U ~r_m nm{b{g`m (2014-15 _| 11,236)
Wt& df Ho$ XmamZ AnH$m{bH$ nm{b{g`m| na A{OV r{_`_ Am`
`382.08 H$amoS> (2014-15 _| `382.87 H$amoS>) Wr& df Ho$
XmamZ AnH$m{bH$ BgrAmB~r na A{OV r{_`_ Am` `910.67
H$amoS> (2014-15 _| `942.29 H$amoS>) Wr& _`md{Y Ama
XrKmd{Y `dgm` go r{_`_ Am` 2014-15 Ho$ `36.24 H$amoS>
H$s VwbZm _| 2015-16 Ho$ XmamZ `27.04 H$amoS> Wr&
^maVr` H${f ~r_m H$nZr {b.
I.3.59 ^maVr` H${f ~r_m H$nZr {b. (EAmBgr) EH$ {deofrH$V
~r_mH$Vm h Omo H${f ~r_m _| Omo{I_-AH$Z H$aVm h& Bg H$nZr Zo
2014-15 Ho$ `2740 H$amoS> H$s VwbZm _| 29 {VeV H$s d{
2015-16
gy{MV H$aVo hE df 2015-16 Ho$ XmamZ `3521 H$amoS> Ho$ gH$b
`j r{_`_ H$m Omo{I_-AH$Z {H$`m& Bg ~r_mH$Vm H$m {Zdb
A{OV r{_`_ {nN>bo df Ho$ `1598 H$amoS > Ho$ _wH$m~bo df 2015-
16 Ho$ {bE `1862 H$amoS> h& C$ ~r_mH$Vm Zo 2014-15 _| CR>mB
JB `158 H$amoS> H$s Omo{I_-AH$Z hm{Z H$s VwbZm _| 2015-16
_| `61.66 H$amoS> H$m Omo{I_-AH$Z bm^ A{OV {H$`m& H$nZr
H$m {Zdb bm^ {nN>bo df Ho$ `168 H$amoS> go ~T>H$a `307 H$amoS>
hmo J`m& H$nZr H$m CnJV Xmdm AZwnmV 2014-15 _| {d_mZ
108.47% H$s VwbZm _| 2015-16 _| 99.66% h&
^maVr` gmYmaU ~r_m {ZJ_
I.3.60 ^maVr` gmYmaU ~r_m {ZJ_ (OrAmBgr) am>r`
nwZ~u_mH$Vm h Omo ^maV _| `j gmYmaU ~r_m H$n{Z`m| H$mo nwZ~u_m
CnbY H$amVm h& {ZJ_ H$m nwZ~u_m H$m`H$_ Bg H$ma go
A{^H$pnV h {H$ Xoe Ho$ AXa {VYmaU H$mo AZwHy$bV_ Va VH$
bo OmZo, EgnmoOa Ho$ {bE n`m H$daoO H$mo gw{ZpMV H$aZo Ama
Xoer ~mOma Ho$ AXa n`m j_VmAm| H$mo {dH${gV H$aZo Ho$ Co` nyao
{H$`o Om gH|$&
I.3.61 OrAmBgr mam Omo{I_-A{H$V Hw$b {Zdb r{_`_
2014-15 Ho$ `13857 H$amoS> go 18.17 {VeV ~T>H$a 2015-
16 Ho$ XmamZ `16375 H$amoS> hmo J`m& C$ nwZ~u_mH$Vm H$m {Zdb
A{OV r{_`_ 2014-15 Ho$ `13558 H$amoS > H$s VwbZm _| 2015-
16 _| `15173 H$amoS> VH$ ~T>m h& {Zdb CnJV Xmdm AZwnmV
2014-15 Ho$ 87.71 {VeV go KQ>H$a 2015-16 _| 85.02
{VeV ahm& H$nZr Zo 2014-15 Ho$ `2694 H$amoS> Ho$ {Zdb bm^
Ho$ _wH$m~bo 2015-16 _| `2848 H$amoS> H$m {Zdb bm^ gy{MV
{H$`m&
27
 dm{fH$ [anmoQ>
I.4 g_rjm
I.4.1 nm{bgrYmaH$m| Ho$ {hVm| H$m gajU
I.4.1.1 nm{bgrYmaH$m| Ho$ {hVm| H$m gajU {d{Z`_ H$m m$n-
nm{bgrYmaH$m| Ho$ {hVm| Ho$ gajU H$m _yb^yV T>mMm AmBAmaS>rE
(nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_, 2002 _| {Z{hV h&
V~ go ~r_m CmoJ Zo AZoH$ n[adVZm| H$mo XoIm h, Ogo gy_ ~r_m
CnmXm|, `y{bn CnmXm|, dm` ~r_m Am{X Ogo Z`o H$ma Ho$ CnmXm|
H$m ma^ VWm H$manmoaoQ> EO|Q>m|, ~r_m Xbmbm|, do~ gJmhH$m| Ama
~r_m {dnUZ \$_m] (AmBE_E\$) Ogo ZB lo{U`m| Ho$ {dVaU _m`_m|
H$mo ~r_m {dVaU H$m`H$bmn H$aZo Ho$ {bE AZw_{V Xr JB h& `h
nm`m J`m h {H$ {VnYm _| d{ hmoZo Ho$ gmW hr, ~r_m {dH$`
{H$`m _| A{YH$ nmaX{eVm bmZo, EO|Q>m| Ama _`d{V`m| mam
AmMaU-g{hVm Ho$ H$S>mB go nmbZ H$mo bmJy H$aZo H$s Amd`H$Vm
Cn hB h&
Cn^mo$m gajU go g~{ YV E\$EgEbAmagr H$s {g\$m[ae| ^r {dmr`
boZXoZm| Ho$ g^r Vam| na A{YH$m{YH$ Cn^mo$m gajU Ho$ {bE
`dWm H$aZo hoVw {d{Z`_m| H$s Anojm H$aVr h& AV ~XbVo g_`
Ho$ AZw$n dV_mZ {d{Z`_m| H$s OmM H$aZo H$s Amd`H$Vm _hgyg
H$s JB& Bg pW{V Ho$ hmoVo hE AmBAmaS>rEAmB Zo Cn^mo$m gajU
go g~{YV dV_mZ {d{Z`_m| H$m nwZarjU H$aZo, {d{^ godmAm| Ho$
{bE Q>rEQ>r H$s g_rjm H$aZo Ama `oH$ `dgm` H$s `dWm _|
{d{^ godmAm| Ho$ {bE g_`-gr_mE {ZYm[aV H$aVo hE ~r_m CmoJ
Ho$ {bE ZmJ[aH$ MmQ>a bmJy H$aZo na {dMma H$aZo Ho$ {bE EH$ Wm`r
gbmhH$ma g{_{V H$m JR>Z {H$`m& C$ g{_{V H$s {g\$m[aem| Ho$
AmYma na AmBAmaS>rEAmB (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU)
{d{Z`_ 2014 H$m m$n A{^_Vm| Ho$ {bE gmdO{ZH$ nhM (npbH$
S>mo_oZ) _| aIm J`m& m {Q>n{U`m| Ama gwPmdm| na {dMma H$aVo
hE AmBAmaS>rEAmB (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_
`Wmg_` Omar {H$`o OmEJo& do nm{bgrYmaH$m| Ho$ gajU Ho$ dV_mZ
T>mMo H$m A{YH$_U H$a|Jo& `mg {H$gr {dMbZ Ho$ {~Zm
nm{bgrYmaH$m| Ho$ {hVm| H$m gajU gw{ZpMV H$aZo Ama ~r_m
nm{b{g`m| H$s g{dqgJ _| `yZV_ _mZXS> (~|M_mH$) {ZYm[aV H$aZo
Ho$ {bE h&
2015-16
I.4.1.2 An{dH$` Ama N>b-H$nQ>nyU H$mb AmBAmaS>rEAmB
Ama A` {dmr` gWmAm| Ho$ A{YH$m[a`m| Ho$ Zm_ go N>b-H$nQ>nyU
H$mb ~r_m CmoJ Ho$ {bE qMVm H$m {df` h& AmBAmaS>rEAmB Zo
{d{^ gnH$ {~XwAm| na Ama _r{S>`m _| ^r N>b-H$nQ>nyU H$mbm|
Ho$ {d OZgmYmaU H$mo gVH$ H$aZo Ho$ {bE H$B gmdO{ZH$ gyMZmE,
Zmo{Q>g, og H$me{Z`m, AJUr Q>rdr MZbm| na Ama g_mMmanm|
_| {dkmnZ Ed ~r_m H$n{Z`m| H$mo {ZXoe Omar {H$`o h& `h XoIm J`m
h {H$ "An{dH$` Ama N>b-H$nQ>nyU H$mb' lo{U`m| Ho$ AVJV
Cn^mo$mAm| H$s AZoH$ {eH$m`V| {ZaVb ~Zr hB h VWm `h gw{ZpMV
H$aZo Ho$ {bE {H$ An{dH$` Ama N>b-H$nQ>nyU H$mbm| Ho$ AVJV
g^r {eH$m`Vm| Ho$ g~Y _| g^r _m_bm| _| ~r_m H$nZr mam {ZYm[aV
ZrVo Ho$ AZwgma H$madmB H$s OmE, g^r OrdZ ~r_mH$VmAm| H$mo
{ZZ{b{IV H$mo ~ZmZo Ho$ {bE gy{MV {H$`m J`m
- An{dH$` g~Yr {eH$m`Vm| na H$madmB H$aZo Ho$ g~Y _|
H$nZr {d{e> Zr{V, Ed
- N>b-H$nQ>nyU H$mbm| g~Yr {eH$m`Vm| na H$madmB H$aZo Ho$
g~Y _| H$nZr {d{e> Zr{V
g^r OrdZ ~r_mH$VmAm| H$mo Bg g~Y _| EH$ {ZXoe 05.08.2015
H$mo Omar {H$`m J`m& VXZwgma g^r OrdZ ~r_mH$VmAm| Zo AnZr
H$nZr {d{e> Zr{V ~ZmB h VWm m{YH$aU H$mo dh Zr{V VwV H$s
h& Cn^mo$m H$m` {d^mJ Zo g^r ~r_mH$VmAm| H$s {eH$m`V {ZdmaU
`dWm H$s g_rjm g~{YV {eH$m`V {ZdmaU A{YH$m[a`m| Ho$ gmW
2015-16 _| H$s h VWm {eH$m`Vm| na ey` g{hUwVm H$s Anojm
H$s& An{dH$` H$mo amoH$Zo na {d{e> \$moH$g Ho$ gmW g~{YV
~r_mH$VmAm| H$mo An{dH$` Ho$ {bE AV{Z{hV H$maUm| H$s nhMmZ
H$aZo Ama Cn`w$ `dWm/ {H$`mE H$m`_ H$aZo Ho$ {V {ZXoe
CnbY H$am`o J`o {Oggo An{dH$` Ho$ gH$Q> H$m C_ybZ {H$`m Om
gHo$ Omo ~r_m CmoJ H$s {V>m H$mo ^m{dV H$a ahm h&
I.4.1.3 Eogo fQ>mV m{YH$aU H$s OmZH$mar _| bm`o J`o h {H$
~r_mH$Vm (H$) Cn^mo$m \$moa_m|, (I) E_EgrQ>r Ho$ AmXoem| Ama
(J) ~r_m bmoH$nmbm| Ho$ A{Y{ZU`m| H$m AZwnmbZ Zht H$a aho h&
28
 dm{fH$ [anmoQ>
AV m{YH$aU Zo ~r_mH$VmAm| H$mo `h gy{MV H$aVo hE {XZmH$
03.11.2015 H$m n[an gX^ AmBAmaS>rE/grES>r/grAmBAma/
E_AmBEggr/194/11/2015 Omar {H$`m h {H$ do Cn`w $ `m{`H$
Ama AY-`m{`H$ {ZH$m`m| Ho$ AmXoem| H$m nmbZ C$ AmXoem| _|
{d{Z{X> g_`-gr_mAmo Ho$ AZwgma AWdm Ohm AmXoe _| H$moB g_`-
gr_m {d{Z{X> Zht H$s JB hmo dhm Eogo _m_bm| _| ~r_mH$Vm mam
AmXoe/ A{Y{ZU` H$s m{ go 60 {XZ Ho$ AXa H$a|& `{X ~r_mH$Vm
C$ AmXoe Ho$ {d Anrb H$aZm MmhVm hmo, Vmo bmJy {Z`_m| Ho$
AZwgma {ZYm[aV g_`-gr_m Ho$ AXa Eogr Anrb C$ AmXoe Ho$
{d VwV H$s OmEJr VWm VXZwgma JmhH$ H$mo gy{MV {H$`m OmEJm&
I.4.1.4 Cn`w$ Ho$ AZwH$_ _| m{YH$aU Zo Cn`w$ 1.4.1.3 _|
C{{IV n[an Ho$ AZwnmbZ H$s {ZJamZr H$aZo H$s {> go
~r_mH$VmAm| go Amd{YH$ $n go So>Q>m H$s _mJ H$aVo hE {XZmH$
31.03.2016 H$m EH$ n[an gX^ g. AmBAmaS>rE/grES>r/
grAmBAma/ E_AmBEggr/063/03/2016 ^r Omar {H$`m h&
nm{bgrYmaH$m| Ho$ gajU hoVw nhb|
I.4.1.5 nm{bgrYmaH$m| Ho$ {hVm| H$m gajU H$aZo H$s {> go
AmBAmaS>rEAmB Zo H$B nhb| H$s h& g^m{dV JmhH$m| Ama
nm{bgrYmaH$m| Ho$ {hVm| H$m gajU H$aZo Ho$ {bE {d{Z`_m| H$m T>mMm
AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_, 2002
_| {Z{hV h& BZ {d{Z`_m| Ho$ AVJV {dH$`-WmZ na AZwgaU H$s
OmZodmbr {H$`m; OrdZ ~r_m Ama gmYmaU ~r_m nm{bgr _| {H$`o
OmZodmbo H$sQ>rH$aU; OrdZ ~r_m Ama gmYmaU ~r_m nm{bgr Ho$
g~Y _| Xmdm {H$`m; VWm nm{bgr g{dqgJ Ho$ g_` {d{^ H$m`m]
Ho$ {bE Q>ZAamCS> g_` (Q>rEQ>r) CnbY h&
I.4.1.6 AmBAmaS>rE ({dkmnZ Ama H$Q>rH$aU) {d{Z`_, 2000
Ama A` {Xem{ZX}em| H$m Co` `h gw{ZpMV H$aZm h {H$ H$moB ^r
gyMZm (BQ>aZoQ> na CnbY gyMZm g{hV) Omo `j AWdm namoj
$n go AVV nm{bgr H$s {~H$s AWdm Anojm Ho$ $n _| n[aUV
hmoVr h, AZw{MV AWdm ^m_H$ Zht hmoZr Mm{hE, ~pH$ Cg_|
Vm{dV {H$`o OmZodmbo CnmX Ho$ ~mao _| C{MV gyMZm {Z{hV hmoZr
2015-16
Mm{hE Vm{H$ JmhH$ AnZr Amd`H$Vm Ho$ AZwgma ~r_m CnmX H$m
M`Z H$aZo Ho$ ~mao _| gw{dMm[aV {ZU` bo gHo$&
I.4.1.7 ~r_m Anojm H$aZo H$m {df` h VWm m{YH$V `{$
AWdm gWmE ~r_o H$s Anojm H$aZo _| g~ h& `h gw{ZpMV
H$aZo Ho$ {bE {H$ Ho$db bmBg|gm `{$ AWdm gWmE hr ~r_m
CnmXm| Ho$ g~Y _| nyd}jU Ama {dH$` H$aZo _| g~ hm|,
AmBAmaS>rEAmB Zo bmBg|grH$aU Ho$ {bE {d{Z`_ Omar {H$`o h& `o
{d{Z`_ h, AmBAmaS>rEAmB (~r_m EO|Q>m| H$s {Z`w{$) {d{Z`_,
2016 d`{$H$ ~r_m EO|Q>m| Ho$ {bE; AmBAmaS>rEAmB (H$manmoaoQ>
EO|Q>m| H$m nOrH$aU) {d{Z`_, 2015 H$manmoaoQ> EO|Q>m| Ho$ {bE;
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 ~r_m Xbmbm| Ho$ {bE;
AmBAmaS>rE (do~ gJmhH$) {d{Z`_, 2013 do~ gJmhH$m| Ho$ {bE;
VWm AmBAmaS>rEAmB (~r_m {dnUZ \$_ H$m nOrH$aU) {d{Z`_,
2015 ~r_m {dnUZ \$_m] Ho$ {bE& `o {d{Z`_ EO|Q>m|, H$manmoaoQ>
EO|Q>m|, Xbmbm|, do~ gJmhH$m| Ama ~r_m {dnUZ \$_m] (AmBE_E\$)
Ho$ {bE CZ_| {ZYm[aV AmMaU-g{hVm Ho$ nmbZ H$mo A{Zdm` H$aVo
h Vm{H$ `h gw{ZpMV {H$`m Om gHo$ {H$ ~r_m `dgm` H$s Anojm
H$aZodmbo `{$ nm `{$ hmoZo Mm{hE VWm do {dH$` Ho$ {bE
Vm{dV ~r_m CnmXm| Ho$ g~Y _| Amd`H$ gyMZm H$m gmaU
H$a|, ~oMr Om ahr nm{bgr H$mo g_P| Ama JmhH$m| H$s Amd`H$Vm Ho$
AmYma na Cn`w$ nam_e XoZo _| gj_ hm| {Oggo Vm{dV /
{dH$` H$s Om ahr nm{bgr g^m{dV JmhH$ H$s Amd`H$VmE nyar
H$a gHo$& CZgo `h ^r Ano{jV h {H$ do {~H$s Ho$ ~mX H$s godm, Ogo
ZdrH$aU, Xmdm VwV H$aZo _| ghm`Vm Am{X ^r CnbY H$amE&
I.4.1.8 ~r_mH$VmAm|, H$manmoaoQ> EO|Q>m| Ama Xbmbm| Ho$ mam Qo>br-
H$mqbJ, EgE_Eg, B-_ob, BQ>aZoQ>, S>rQ>rEM, S>mH$ _ob, Ama
A` {d{Y`m| Ho$ _m`_ go nm{b{g`m| H$s Anojm (AJVm CnmXZ
g{hV) Omo `{$JV $n go gMma Ho$ gmW g~ Zht h, H$m ghmam
boZo H$s ~T>Vr hB d{m Ho$ MbVo Ed XyaW {d{Y go ~r_m CnmXm|
H$s gyMZm Ama {~H$s H$s Anojm H$aVo hE JmhH$m| go m hmo aho
AZwamoYm| H$mo XoIVo hE; AmBAmaS>rE Zo XyaW {dnUZ {Xem{ZX}e
Omar {H$`o h& {dH$` Ho$ Vmd, ~mVMrV Ama {ZU` Ho$ g_`
AZwnmbZ H$s OmZodmbr AnojmAm| H$m Co` XyaW {dnUZ _m`_m|
29
 dm{fH$ [anmoQ>
H$m ghmam boZodmbo g^m{dV JmhH$m| Ama nm{bgrYmaH$m| H$mo gajU
XoZm h&
I.4.1.9 My{H$ ~r_m H$m bm^ Ho$db V^r m {H$`m Om gH$Vm h
`{X Cn`w$ CnmXm| H$m {dH$` {H$`m OmE; AV AmBAmaS>rEAmB
Zo XmoZm| OrdZ Ama Ja-OrdZ CnmXm| Ho$ \$mBb ES> `yO Ho$ g~Y _|
{Xem{ZX}e Omar {H$`o h& BZ {Xem{ZX}em| Ho$ AZwgma `oH$ ~r_mH$Vm
go Ano{jV h {H$ dh AmBAmaS>rEAmB H$mo AmdoXZ VwV H$aZo Ho$
mam CnmXm| Ho$ {bE AZw_moXZ _mJo& AmdoXZ Ho$ gmW ~r_mH$Vm H$mo
nm{bgr ~mS> H$m Z_yZm, Vmd \$m_m] H$m Z_yZm, {dH$` go g~{YV
gm{h` H$m Z_yZm Ed {dmr` nydmZw_mZm| H$m {ddaU VwV H$aZo
Mm{hE& eVm] _| n[adVZ Ho$ {bE Bgr H$ma H$s {H$`m H$m nmbZ
H$aZm Mm{hE& Cg pW{V _| ^r O~ H$moB ~r_mH$Vm {H$gr CnmX H$mo
hQ>mZm MmhVm hmo, V~ ^r dh AmBAmaS>rEAmB H$mo gy{MV H$aZo Ho$
~mX hr Ama CnmX H$mo hQ>mZo Ho$ {bE H$maU XoZo Ho$ ~mX hr Eogm H$a
gH$Vm h& `o {d{Z`_ `h gw{ZpMV H$aVo h {H$ OZVm H$mo Ho$db
AZw_mo{XV CnmX hr ~oMo OmE&
I.4.1.10 AmBAmaS>rE (Ag~ CnmX) {d{Z`_, 2013 Ama
AmBAmaS>rE (g~ CnmX) {d{Z`_, 2013 Omo H$_e Ag~
Ama g~ OrdZ ~r_m CnmXm| H$m {Z`U H$aVo h, H$m Co`
~r_mH$VmAm| mam Vm{dV CnmXm| Ama CZH$s {deofVmAm| Ho$ Vma
na gm_O` H$mo gw{ZpMV H$aZm h VWm bm^m| Ho$ ^wJVmZ Ho$ Vma na
nmaX{eVm bmZm h {OgHo$ mam ghr nm{bgr H$m M`Z H$aZo _| JmhH$m|
H$mo g_W ~Zm`m Om gHo$&
I.4.1.11 AmBAmaS>rE (dm` ~r_m) {d{Z`_ 2013 CnmX
H$s {deofVmAmo, Vmd \$m_ _| _mZH$ KmofUm, A{YH$m{YH$
nmaX{eVm Ama {dH$` gm{h` _| H$Q>rH$aU VWm do~ nmoQ>bm| na
H$Q>rH$aUm| na A{YH$m{YH$ ~b XoVo h {Oggo {ZU` boZo Am{X Ho$
{bE Cn`w$ gyMZm H$m gma {H$`m Om gHo$& dm` ~r_m _|
_mZH$sH$aU g~Yr {Xem{ZX}e dm` ~r_m _| H$B nhbwAm| Ho$
_mZH$sH$aU H$mo CnbY H$amVo h, Ogo dm` nm{b{g`m| _| Am_
Vma na `w$ hmoZodmbo eXm| Ho$ {bE n[a^mfmE, J^ra ~r_m[a`m| Ho$
{bE Zm_ Ama H$m`{d{Y, nyd- m{YH$aU Ama Xmdm \$m_, nm{b{g`m|
2015-16
H$mo AnVmb _| ^Vu _| And{OV ``m| H$s gyMr, \$mBb ES> `yO
AmdoXZ, JmhH$ gyMZm nH$ VWm ~r_mH$Vm Ama A` nj ~YH$
(Q>rnrE) Ama XmVm (AnVmb) Ho$ ~rM H$ama& `o {Xem{ZX}e
An>Vm H$m {ZdmaU H$aVo h Ama AW{ZU` _| A{YH$m{YH$ gm_O`
gw{ZpMV H$aVo h, Omo nm{bgrYmaH$m| Ho$ gm_m` {hV _| h&
I.4.1.12 D$na {Z{X> {H$`o AZwgma ~r_m JmhH$m| Ho$ {hVm| H$m
gajU H$aZo Ho$ {bE C{> {d{^ Cnm`m| Ho$ A{V[a$, `{X {H$gr
~r_mH$Vm mam H$s OmZodmbr godm _| H$_r Ho$ g~Y _| {eH$m`V Ho$
{bE H$moB H$maU h, Vmo CgHo$ erK g_mYmZ Ho$ {bE EH$ Umbr H$m
hmoZm A{Zdm` h& {eH$m`V {ZdmaU g~Yr {Xem{ZX}e ~r_mH$VmAm|
H$mo {ZXoe XoVo h {H$ do H$nZr _| {eH$m`V {ZdmaU `dWm H$m
AZw_moXZ H$aZo Ama CgH$s g_rjm H$aZo Ho$ {bE erf Va na ~moS>
mam AZw_mo{XV nm{bgrYmaH$m| Ho$ gajU H$s EH$ g{_{V aI| VWm
{d{Z{X> g_`-gr_mAm| Ho$ AXa {eH$m`V| m H$aZo, CZH$s m{-
gyMZm XoZo Ama CZH$m g_mYmZ H$aZo Ho$ {bE EH$ g_$n Umbr
Wm{nV H$a|; Ed Z Ho$db YmZ H$m`mb`/ H$manmoaoQ> H$m`mb` Ho$
Va na, ~pH$ `oH$ A` H$m`mb` _| {eH$m`V {ZdmaU A{YH$mar
Ho$ $n _| EH$ A{YH$mar H$mo nXZm{_V H$a|&
I.4.1.13 AnZr {eH$m`Vm| Ho$ {bE ~r_mH$VmAm| VH$ nhMZo _|
JmhH$m| H$mo gw{dYm XmZ H$aZo Ho$ {bE AmBAmaS>rEAmB Zo JmhH$m|
Ho$ {bE _m`_ CnbY H$am`o h Vm{H$ do ~r_mH$VmAm| Ho$ {d
AnZr {eH$m`V| CR>m gH|$& BZ_| em{_b h, AmZbmBZ {eH$m`V
nmoQ>b .... Ama EH$ {ZewH$ {eH$m`V H$mb g|Q>a (155255)&
BZ _m`_m| Ho$ mam nOrH$V {eH$m`V| g_mYmZ Ho$ {bE ~r_mH$VmAm|
Ho$ nmg CR>mB OmVr h&
I.4.1.14 My{ H$ AmBAmaS>rEAmB {eH$m`V {ZdmaU Ho$ {bE gw{dYm
XmZ H$aVm h, naVw {eH$m`Vm| Ho$ g~Y _| `m`{ZU` Zht H$aVm,
AV gmdO{ZH$ {eH$m`V {ZdmaU {Z`_, 1998 Ho$ AVJV H$m`aV
~r_m bmoH$nmb d`{$H$ ~r_m n{V go g~{YV {eH$m`V Ho$ Hw$N>
AmYmam| na {eH$m`Vm| Ho$ g_mYmZ Ho$ {bE EH$ gab, gVr, Ama
d[aV g_PmVmH$mar Ama A{Y{ZUm`H$ `dWm Ho$ $n _| H$m`
H$aVm h&
30
 dm{fH$ [anmoQ>
I.4.1.15 nm{bgrYmaH$m| Ho$ gajU _| AmBAmaS>rEAmB H$s ^y{_H$m
AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_, 2002
go ^r ~hV AmJo h& BgHo$ Abmdm, Cn`w$ Cnm` doe WmZ
_mZXS>, bmBg|grH$aU, emoYj_Vm _m{OZ H$m AZwajU, {Zdoe
_mZXS> Ama gmdO{ZH$ H$Q>rH$aU Am{X Ogr A` {d{Z`m_H$
AnojmAm| VWm WmZ na (AmZgmBQ>) {ZarjU Ama {d{Z`m_H$
{dda{U`m| Ho$ _m`_ go namoj (Am\$-gmBQ>) {ZJamZr, ~mOma
AmgyMZm, boIm-narjm Am{X Ogr n`dj o r `dWmAm| Ho$ A{V[a$
h Ama Ch| N>moS>H$a Zht h&
I.4.1.16 Ogm {H$ D$na H$hm J`m h, Bg V` na {dMma H$aVo
hE {H$ AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_
df 2002 _| Omar {H$`o J`o h VWm ~r_m n[a` _| H$B n[adVZ
K{Q>V hmo MwH$o h, nm{bgrYmaH$m| Ho$ gajU H$mo ~T>mZo Ho$ {bE {d{Z`_m|
H$m nwZarjU H$aZo H$s d[aV Amd`H$Vm h& nm{bgrYmaH$ gajU
{d{Z`_m| H$mo _O~yV ~ZmZo Ho$ {bE AmaAmaS>rEAmB `Wmg_`
AmBAmaS>rEAmB (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_,
2016 Omar H$aZodmbm h& C$ {d{Z`_m| Ho$ Abmdm, ~r_m H$n{Z`m|
Ho$ {bE EH$ ZmJ[aH$ MmQ>a Ho$ g~Y _| ^r {dMma {H$`m Om ahm h&
{eH$m`V {ZdmaU Ama Cn^mo$m {ejU
I.4.1.17 AmBAmaS>rEAmB H$m Cn^mo$m H$m` {d^mJ {eH$m`V
{ZdmaU H$s ~r_mH$VmAm| H$s Zr{V H$s {ZJamZr H$aZo Ho$ mam
nm{bgrYmaH$m| H$s {eH$m`Vm| Ho$ g_YmZ H$mo gwgm` ~ZmVm h VWm
~r_m Cn^mo$mAm| Ho$ {hVm| Ho$ gajU Ho$ {bE H$B nhb| H$aVm h&
AmBAmaS>rEAmB Ho$ {eH$m`V {ZdmaU {Xem{ZX}e `h A{Zdm` H$aVo
h {H$ g^r ~r_mH$VmAm| Ho$ nmg ~moS> mam AZw_mo{XV {eH$m`V
{ZdmaU Zr{V hmoZr Mm{hE, do YmZ H$m`mb`/ H$manmoaoQ> H$m`mb`
_| d[a> ~YH$-dJ Ho$ Va Ho$ EH$ {eH$m`V {ZdmaU A{YH$mar H$mo
Ama `oH$ A` H$m`mb` _| EH$ {eH$m`V {ZdmaU A{YH$mar H$mo
nXZm{_V H$a| Ed {eH$m`Vm| go g~{YV [anmoQ]> m H$aZo Ama CZH$m
{dbofU H$aZo Ho$ {bE H$manmoaoQ> A{^emgZ {Xem{ZX}em| Ho$ AZwgma
EH$ nm{bgrYmaH$ gajU g{_{V J{R>V H$a|& `o {Xem{ZX}e `h
A{Zdm` ~ZmVo h {H$ `oH$ ~r_mH$Vm {eH$m`Vm| Ho$ AmZbmBZ
2015-16
nOrH$aU Ama CZH$s ImoO (Q>qH$J) H$aZo Ho$ {bE dMm{bV
Um{b`m aIo VWm H$mb AWdm B-_obm| Ho$ mam {eH$m`V| m H$aZo
H$s Um{b`m aIo Ed BZ Um{b`m| H$mo AmBAmaS>rEAmB Ho$ gmW
g_pdV H$ao& BgHo$ Abmdm, BZ {Xem{ZX}em| _| {eH$m`Vm| go g~{ YV
{d{^ J{V{d{Y`m| Ho$ {bE g_`-gr_mE {Z{hV h, Ogo m{-
gyMZm XoZm, {ZdmaU, g_mnZ, Am{X& {eH$m`V {ZdmaU {Xem{ZX}e
Ama H$manmoaoQ> A{^emgZ {Xem{ZX}e `h {ZXoe XoVo h {H$
nm{bgrYmaH$m| Ho$ {hVm| Ho$ gajU Ho$ {bE EH$ nm{bgrYmaH$ gajU
g{_{V EH$ A{YXoem_H$ g{_{V Ho$ $n _| A{Zdm`V hmoZr MmhE&
I.4.1.18 ~r_mH$VmAm| Ho$ {d {eH$m`V| m H$aZo Ho$ {bE
dH$pnH$ _m`_ CnbY H$amZo Ho$ {bE AmBAmaS>rEAmB Zo
AmBAmaS>rEAmB {eH$m`V Ho$ (AmBOrgrgr) Wm{nV {H$`m h
Omo EH$ {ZewH$ (Q>mob \$s) Qo>br\$moZ g`m Ho$ _m`_ go Ama B-
_ob mam {eH$m`V| m H$aVm h VWm g_mYmZ H$s pW{V o{fV H$aZo
Ho$ Abmdm {eH$m`Vm| H$mo nOrH$V H$aVm h& AmBAmaS>rEAmB Zo
{eH$m`Vm| Ho$ ~Y Ho$ {bE EH$ AmZbmBZ Umbr Ho$ $n _| g_pdV
{eH$m`V ~Y Umbr (AmBOrE_Eg) ^r Wm{nV H$s h Omo Z
Ho$db {eH$m`Vm| H$m nOrH$aU Ama CZH$s ImoO H$aZo Ho$ {bE EH$
AmZbmBZ doe ma (JoQ>d)o h, ~pH$ ~r_m H$n{Z`m| mam {eH$m`Vm|
Ho$ {ZnQ>mZ H$s {ZJamZr H$aZo Ho$ {bE AmBAmaS>rEAmB Ho$ {bE EH$
CmoJ-`mnr {eH$m`V [anmo{OQ>ar Ho$ $n _| ^r H$m` H$aVr h&
AmBOrgrgr H$m BQ>a\o$g AmBOrE_Eg Ho$ gmW h; VWm AmBOrE_Eg
Ho$ _m`_ go AmBAmaS>rEAmB H$m ~r_mH$VmAm| H$s {eH$m`V
Um{b`m| Ho$ gmW BQ>a\o$g h&
I .4.1.19 Cn^mo $m H$m` {d^mJ g ^ m{dV J m hH$m| Am a
nm{bgrYmaH$m| go ~r_m H$n{Z`m| na {eH$m`V| m H$aVm h; VWm
g_mYmZ Ho$ {bE `o {eH$m`V| ~r_mH$VmAm| Ho$ nmg CR>mVm h& g^m{dV
JmhH$m| Ama nm{bgrYmaH$m| H$mo gy{MV {H$`m OmVm h {H$ do nhbo
AnZr {eH$m`V| g~{YV ~r_m H$n{Z`m| Ho$ nmg Xm`a H$a|& `{X
~r_m H$n{Z`m 15 {XZ Ho$ {ZYm[aV g_` Ho$ AXa {eH$m`Vm| na
H$madmB Zht H$aVt AWdm {eH$m`VH$Vm g_mYmZ go gVw> Zht h,
Vmo dh {eH$m`V AmBAmaS>rEAmB Ho$ Va na {eH$m`V H$mo CR>m
gH$Vm h/ gH$Vr h& AmBAmaS>rEAmB g~{YV ~r_m H$n{Z`m| Ho$
31
 dm{fH$ [anmoQ>
nmg _m_bm CR>mZo Ho$ mam g_rjm/ nwZOmM Ho$ _m`_ go g_mYmZ
H$mo gwgm` ~ZmVm h& VWm{n, AmBAmaS>rEAmB AnZo mam m
AWdm AnZo Va na o{fV `oH$ {eH$m`V H$s OmM Zht H$aVm
AWdm CgHo$ g~Y _| `m`{ZU` Zht H$aVm& `{X {eH$m`VH$Vm
g_mYmZ go gVw> Zht h, Vmo Ch| _m_bm ~r_m bmoH$nmb mam AWdm
{H$gr A` Cn`w$ \$moa_ AWdm `m`mb` mam, Ogr pW{V hmo,
`m`{ZU`Z Ho$ {bE CR>mZm hmoJm&
I.4.1.20 {d^mJ AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU)
{d{Z`_, 2002 Ho $ AZw n mbZ Ho $ Va H$s Om M H$aVm h &
AmBOrE_Eg g_yMo CmoJ _| {eH$m`Vm| H$m EH$ Ho$r` [anmo{OQ>ar
CnbY H$amVr h VWm UmbrJV Ama Zr{V go g~{YV {df`m| H$mo
nhMmZZo Ho$ {bE {eH$m`Vm| H$m _yb H$maU {dbofU H$aZo _|
AmBAmaS>rEAmB Ama ~r_m H$n{Z`m| H$s ghm`Vm H$aVr h& m{YH$aU
nm{bgrYmaH$m| H$s qMVmAm| H$mo nhMmZVm h VWm {eH$m`Vm| H$s
ey` g{hUwVm Ho$ {bE ~r_mH$VmAmo H$mo Cn`w$ AZwXoe XoVm h/
C{MV Cnm` gwPmVm h&
I.4.1.21 Cn^mo$m H$m` {d^mJ ~r_m OmJ$H$Vm H$s `m{ H$aZo
H$s {> go Cn^mo$m {ejU _| ^r g{H$` $n go bJm hAm h& ~r_m
EH$ O{Q>b {dmr` CnmX hmoZo Ho$ H$maU VmdmYrZ ~r_m CnmXm|
Ho$ d$n, CZH$s Cn`mo{JVm Ama eVm] H$mo g_PZo Ho$ {bE {deof
kmZ H$s Amd`H$Vm hmoVr h& AmBAmaS>rEAmB H$s Cn^mo$m {ejU
g~Yr nhbm| H$m Co` `h gw{ZpMV H$aZm h {H$ Cn^mo$m AnZr
Amd`H$VmAm| H$mo nhMmZo, ~r_m CnmXm| Ama CZHo$ gmW g~
Omo{I_m| H$mo g_Po Vm{H$ dh ~r_m IarXVo g_` EH$ gw{dMm[aV
{ZU` bo gHo$& AmBAmaS>rEAmB mam ~r_m OmJ$H$Vm A{^`mZ
g^r g^d _m`_m| mam gMm{bV {H$`o OmVo h {OZ_| qQ> Ama
BboQ>m{ZH$ _r{S>`m AWm AI~mam| Ho$ {dkmnZ Ama nwpVH$mAm| /
H$m{_H$ nwVH$m| H$m H$meZ, ao{S>`mo, Qo>br{dOZ, BQ>aZoQ>, go{_Zma,
gm_m{OH$ do~gmBQ|> Ogo `yQ>y~, \o$g~wH$, {Q>Q>a Am{X em{_b h&
Cn^mo$m {ejU do~gmBQ> ... _| gab ^mfm _o OZVm Ho$ {bE amoMH$Vm
go `w$ ~r_m g~Yr {dnwb gm_Jr CnbY h& Bg gm_Jr H$s nhM
_| {dVma bmZo Ho$ {bE AmBAmaS>rEAmB Zo EH$ {hXr gmBQ> ma^
H$s h VWm nwVH|$ _wI jor` ^mfmAm| _| V`ma H$s h Vm{H$ C$
gyMZm Xoe ^a _| bmoJm| H$mo AnZr ngX H$s ^mfm _| CnbY H$amB
2015-16
Om gHo$& AmBAmaS>rEAmB A~ {dH${gV H$s JB gm_Jr Ho$ {dVaU
na `mZ Ho$pV H$a ahm h {OgHo$ {bE AmBAmaS>rEAmB ~r_m
CmoJ, A` {d{Z`m_H$ {ZH$m`m|, {dmr` gmjaVm Ho$m|, gm_m`
godm Ho$m| Am{X Ho$ gmW gh`moJ H$a ahm h VWm ~r_m OmJ$H$Vm
H$s `m{ Ho$ {bE gmao am> _| OZVm VH$ nhMZo Ho$ {bE `w$ g^r
CnbY dH$pnH$ _m`_m| H$m Cn`moJ H$a ahm h Ama BgHo$ mam
~r_m g_mdoeZ Ho$ Vam| H$mo ~T>mZo Ho$ {bE _mJ H$s d{ {Z{_V H$a
ahm h& OrdZ Ho$ ma{^H$ Vam| go {dmr` gmjaVm XmZ H$aZo H$s
{Xem _| A` {dmr` jo {d{Z`_ZH$VmAm| Ho$ gmW H$m` H$aZo Ho$
mam {dmr` {ejm g~Yr am>r` H$m`Zr{V H$mo H$m`mpdV H$aZo _|
AmBAmaS>rEAmB ^r EH$ g{H$` gh^mJr h&
AmBAmaS>rEAmB H$s ~r_m gmjaVm Ama Cn^mo$m OmJ$H$Vm
g~Yr nhb|
I.4.1.22 m{YH$aU H$m _w` Co` ~mOma H$s Hw$ebVm H$m
gdYZ H$aZm Ama Cn^mo$m Ho$ gajU H$mo gw{ZpMV H$aZm h&
m{YH$aU Bg V` go nyar Vah AdJV h {H$ XmoZm| OrdZ Ama Ja-
OrdZ Omo{I_m| Ho$ {bE Xoe _| ~r_m ajm H$s d{ Ho$db V^r g^d
h O~ Cn^mo$m Ho$ kmZ Ama ~r_m {ejm _| d{ hmoVr h&
{H$gr ^r ~r_m CnmX H$m M`Z H$aVo g_` gw{dkVmnyU M`Z H$aZo
Ho$ {bE Ano{jV OmZH$mar, H$meb Ama {ddmg Ho$ gmW Xoe Ho$
g^r ZmJ[aH$m| H$mo gn H$aVo hE ~r_m gmjaVm H$m `mnZ A`V
Amd`H$ h & ~r_m {ejU Cn^mo $m H$s ghm`Vm CgH$s
Amd`H$VmAm| Ama Omo{I_m|, Omo{I_m| H$m ~YZ H$aZo Ho$ {bE
~r_o H$s CnbYVm, ~r_m CnmX aIZo Ho$ _y` H$mo g_PZo _| VWm
H$moB ^r ~r_m nm{bgr IarXZo go nhbo Ama CgHo$ ~mX H$aUr` Ama
AH$aUr` Ho$ ~mao _| OmZZo _| ghm`Vm H$aVm h& EH$ gw{dk Cn^mo$m
~r_m bmoH$nmb g{hV AnZo {bE CnbY {eH$m`V {ZdmaU `dWm
Ho$ {d{^ _m`_m| H$m OmZH$ma hmoJm& ~r_m {ejU Bg H$ma EH$
gyMZm`w$ VarHo$ go ~r_m jo H$s godmAm| VH$ nhMZo _| VWm ~mOma
H$meb H$m gdYZ H$aZo _| Ama ~r_m CmoJ H$s gw`dpWV d{ Ho$
{bE gVw{bV gyMZm Ho$ dmh _| _XX H$aVm h&
32
 dm{fH$ [anmoQ>
m{YH$aU n`m gyMZm H$m gma H$aZo, gmdO{ZH$ H$Q>rH$aUm| H$mo
A{Zdm` ~ZmZo, _`d{V`m| Ho$ {bE {ejU H$s Amd`H$VmE
Ama AmMaU-g{hVm {ZYm[aV H$aZo VWm ~r_m OmJ$H$Vm H$s nhb|
~T>mZo Am{X Ho$ _m`_ go ~r_mH$VmAm| Ama _`d{V`m| Ho$ mam
AZwgaU {H$`o OmZodmbo {ddoH$nyU ~mOma AZwemgZ _| {ddmg H$aVm
h&
BgHo $ Abmdm, Cn^mo $m {ejU H$mo o [ aV H$aZo Ho $ {bE
AmBAmaS>rEAmB Zo ~h{dY {>H$moU AnZm`m h VWm OZgmYmaU
_| ~r_m OmJ$H$Vm H$m gdYZ H$aZo Ho$ {bE g^r {hVYmaH$m| H$mo
mogm{hV {H$`m h&
I.4.1.23 {dmr` df 2015-16 Ho$ XmamZ AmBAmaS>rEAmB Zo
~r_m ~o{_gmb ~S> Ho$ AVJV Cn^mo$m {ejm H$s AZoH$ nhb| H$s
h, Omo {ZZmZwgma h :-
N>b-H$nQ>nyU H$mb H$aZodmbm| Ama \$Ou Vmdm| Ho$ {d
OZgmYmaU H$mo gVH$ H$aZo Ho$ {bE {hXr g{hV 12 jor`
^mfmAm| _| {ZZ{b{IV VrZ Q>rdrgr Ho$ gmaU Ho$ O[a`o
AmBAmaS>rEAmB mam BboQ>m{ZH$ _m`_ go EH$ ~S>m
A{^`mZ &
1. "gM Ama PyR> _| Om{ZE \$H$ a{hE gVH$' Zmao Ho$ gmW
AmBAmaS>rEAmB Ho$ Zm_ go N>b-H$nQ>nyU H$mbm| Ho$ ~mao _|
nS>mogr (e_m Or) H$mo MoVmdZr XoVo hE&
2. "gM Ama PyR> _| Om{ZE \$H$ a{hE gVH$' Zmao Ho$ gmW
nw { bgdmbo / hramo Ho $ _m`_ go g X o e Xo Z m --
"AmBAmaS>rEAmB ~r_m Ama ~moZg H$s KmofUm Zht H$aVm'
3. "AmBAmaS>rEAmB AmnHo$ ew^qMVH$' Zmao Ho$ gmW "~MHo$
~m~m ahZm Vy' Ho$ {df` na H$m\$shmCg _| \$Ou Vmd Ho$
~mao _| MoVmdZr XoZm&
N>b-H$nQ> dmbo H$mbam| Ho$ gH$Q> H$mo {Z`{V H$aZo Ho$ {bE
AnZo `mgm| H$mo Omar aIVo hE AmBAmaS>rEAmB Zo am>r`
33
2015-16
amOYmZr jo _| gH$o pV ~r_m OmJ$H$Vm A{^`mZ gMm{bV
{H$`m, Ohm go Am_m{UH$ H$mbam| Ho$ ~mao _| A{YH$me
{eH$m`V| Cn hmo ahr h& N>b-H$nQ> dmbo H$mbam| Ho$ {d
MoVmdZr VWm nm{bgrYmaH$m| Ho$ {bE CnbY {eH$m`V
{ZdmaU `dWm H$s OmZH$mar XoVo hE _oQ>mo aobJm{S>`m| Ho$
AXa, _oQ>mo Qo>eZm| Ho$ AXa Ama ~mha gXoe X{eV {H$`o
J`o&
8 OZdar 2015 H$mo _mZZr` _w`_r, {nwam lr _m{UH$
gaH$ma mam ma^ {J`m J`m ~r_m OmJ$H$Vm A{^`mZ
AmBAmaS>rEAmB Ama {nwam gaH$ma H$m EH$ g`w$ `mg
h& Bg A{^`mZ H$m Co` ZmJ[aH$m| H$mo ~r_m Ho$ bm^m| Ho$
~mao _| OmJ$H$ ~ZmZm h& Bg A{^`mZ Zo AnZo Xygao df _|
doe {H$`m VWm `h Xmo dfm] Ho$ {bE V`ma H$s JB H$m`-
`moOZm Ho$ AZwgma AmJo ~T> ahm h& A~ VH$ {OZ bmoJm| Ho$
nmg Zht nhM gHo$ CZ bmoJm| VH$ nhMZo Ho$ {bE {nwam Ho$
{d{^ {Obm| _| {nwam H$s am` gaH$ma mam gMm{bV N>h
go{_Zmam| H$mo AmBAmaS>rEAmB Zo m`mo{OV {H$`m& BZ go{_Zmam|
H$m Co ` ~r_o Ho $ _hd H$m gma H$aZm Wm VWm
AmBAmaS>rEAmB Ed ~r_m H$n{Z`m| Ho$ A{YH$m[a`m| Zo
g~{ YV {df`m| na d$mAm| Ho$ $n _| gh^m{J`m| H$mo g~mo{YV
{H$`m& AmBAmaS>rEAmB H$s {ejU gm_Jr H$m {dVaU am`
^a _| Hy$bm|, {Obm nwVH$mb`m|, {Obm n[afXm|, Jm_
g{_{V`m|, ~So> AmH$ma dmbr Am{Xdmgr ~h-`moOZr`
gmogmB{Q>`m| (EbEE_nrEg)/ mW{_H$ H${f ghH$mar
gmogmB{Q>`m| (nrEgrEg) Ho$ _m`_ go {H$`m Om ahm h&
AmBAmaS>rEAmB Zo AnZo WmnZm {Xdg (19 Ab) H$mo
~r_m OmJ$H$Vm {Xdg Ho$ $n _| _Zm`m& Bg Adga na
AmBAmaS>rEAmB Zo ~r_m CmoJ Ho$ {bE VVr` nZ B{S>`m
{$O {V`mo{JVm H$m Am`moOZ {H$`m& Bg Adga na
"~r_mH$VmAm| H$s gdm}m_ ~r_m OmJ$H$Vm Zr{V`m' {df`
na EH$ "nZb MMm' gMm{bV H$s JB& BgH$s A`jVm
gX` (Ja-OrdZ) Zo H$s VWm OrdZ ~r_m n[afX, gmYmaU
~r_m n[afX, ^maVr` ~r_m gWmZ Ho$ _hmg{Md Ed am>r`
~r_m AH$mX_r Ho$ {ZXoeH$ nZb gX`m| Ho$ $n _| Bg_|
 dm{fH$ [anmoQ>
CnpWV Wo& `h d$` XoVo hE nZb EH$_V Wr {H$ ~r_m
OmJ$H$Vm Xoe _| ~r_m {dH$mg Ho$ {bE Hw$Or h&
AmBAmaS>rEAmB Zo ghr IarX Ho$ {bE Hw$N> gwPmd XoVo hE
~r_m gXoem| Ho$ gmW df 2016 Ho$ Xrdma H$b|S>a Ama So>H$
H$b|S>a H$m{eV {H$`o&
AmBAmaS>rEAmB Zo EH$ ~R>H$ _| ~r_mH$VmAm| mam H$s JB
~r_m OmJ$H$Vm nhbm| H$s VwbZm _o CZH$s ~moS> mam
AZw_mo{XV ~r_m OmJ$H$Vm Zr{V H$s g_rjm H$s {Og_| AnZr
~r_m OmJ$H$Vm Zr{V Ho$ H$m`md`Z Ho$ {bE CmaXm`r ~r_m
H$n{Z`m| Ho$ d[a> A{YH$m[a`m| mam VwVrH$aU {H$`o J`o&
AmBAmaS>rEAmB Zo am>r` `mdhm[aH$ Am{WH$ AZwgYmZ
n[afX (EZgrEBAma) Ho$ _m`_ go df 2015 _| ~r_m
OmJ$H$Vm A{^`mZm| H$m ma^moma gd}jU ma^ {H$`m h&
`h gd}jU ma^-nyd gd}jU Ho$ OmJ$H$Vm Vam| H$s VwbZm
_| ~r_mH$V Ama A~r_mH$V bmoJm| Ho$ OmJ$H$Vm Vam| H$s
VwbZm Ama CZH$m {dbofU H$aZo Ho$ Co` go 2010 _|
gMm{bV ma^-nyd gd}jU Ho$ AZwdVZ Ho$ $n _| {H$`m
J`m&
AmBAmaS>rEAmB am>r` {dmr` {ejU Ho$ (EZgrE\$B)
H$s H$moa g{_{V Ho$ EH$ gX` Ho$ $n _| EH$ g{H$` ^y{_H$m
AXm H$a ahm h& EZgrE\$B {dmr` {ejU hoVw am>r`
H$m`Zr{V Ho$ H$m`md`Z Ho$ {bE ^maV _| {dmr` jo Ho$
g^r {d{Z`_ZH$VmAm| mam g`w$ $n go ~ZmB JB gWm h
VWm EZgrE\$B H$s nhbm| H$mo AmBAmaS>rEAmB g_WZ Xo
ahm h& 2015-16 Ho$ XmamZ EZgrE\$B mam {H$`o J`o
_hdnyU H$m`H$bmnm| H$m {ddaU {ZZmZwgma h-
H$. Vrgam EZgrE\$B am>r` {dmr` gmjaVm {ZYmaU narjm
(EZgrE\$aB EZE\$EbEQ>r)&
I. AnZr {dmr` {ejU do~gmBQ> {hXr, V{_b, _amR>r Ama
~Jbm ^mfmAm| _| ma^ H$s&
2015-16
J. gmao ^maV _| H$jm 8 go 10 VH$ Ho$ gr~rEgB {dmb`
{ejH$m| Ho $ {bE {dmr` {ejU {ejU H$m` H $ _
(E\$BQ>rnr)&
K. H$jm go VH$ Ho$ Hy$br N>mm| Ho$ {bE {dmr` {ejU H$s
A`mg-nwpVH$mE (dH$~wg) ma^ H$s&
EZgrE\$B Ho$ gX` Ho$ $n _| Ed ^maV _| ~r_m jo Ho$ jo
{d{Z`_ZH$Vm Ho$ $n _|, XmoZm| H$ma go AmBAmaS>rEAmB ~r_m g~Y r
{df`-dVw H$m AeXmZ H$a ahm h VWm gm_m` $n go {dmr`
{ejU Ama {deof $n go ~r_m {ejU Ho$ gma Ho$ {bE Hy$bm|,
H$mboOm| Ama gWmAm| Ho$ gmW H$m` H$a ahm h&
I.4.2 ~r_mH$VmAm| Ho$ emoYj_Vm _m{OZm| H$m AZwajU
I.4.2.1 `oH$ ~r_mH$Vm go Ano{jV h {H$ dh ~r_m A{Y{Z`_,
1938 H$s Ymam 64drE Ho$ AZwgma Ano{jV emoYj_Vm (gmdogr)
_m{OZ ~Zm`o aIo& `oH$ ~r_mH$Vm AmBAmaS>rEAmB mam {ZYm[aV
am{e go A`yZ Xo`VmAm| H$s am{e H$s VwbZm _| AmpV`m| Ho$ _y` Ho$
Am{Y` H$mo ~Zm`o aIoJm, Omo Ano{jV emoYj_Vm _m{OZ H$hbmVm
h& AmBAmaS>rE (~r_mH$VmAm| H$s AmpV`m, Xo`VmE Ama emoYj_Vm
_m{OZ) {d{Z`_, 2000 _| Ano{jV emoYj_Vm _m{OZ H$s gJUZm
H$s n{V H$m {dVV $n go {ddaU {X`m J`m h&
OrdZ ~r_mH$Vm
I.4.2.2 _mM 2016 Ho$ AV _| g~ 24 OrdZ ~r_mH$VmAm| Zo
1.5 Ho$ {ZYm[aV emoYj_Vm _m{OZ H$m nmbZ {H$`m&
Ja-OrdZ ~r_mH$VmAm| H$m emoYj_Vm AZwnmV
I.4.2.3 31 _mM 2016 H$s pW{V Ho$ AZwgma {ZOr jo Ho$ g^r
23 Ja-OrdZ ~r_mH$VmAm| Zo (dm` ~r_mH$VmAm| g{hV) 1.50
Ho$ {ZYm[aV emoYj_Vm AZwnmV H$m AZwnmbZ {H$`m h&
gaH$mar jo Ho$ Mma Ja-OrdZ ~r_mH$VmAm| _| go VrZ ~r_mH$VmAm|
Zo 31 _mM 2016 H$s pW{V Ho$ AZwgma 1.50 Ho$ {ZYm[aV emoYj_Vm
34
 dm{fH$ [anmoQ>
AZwnmV H$m AZwnmbZ {H$`m h& VWm{n, ZoeZb B`moa|g H$nZr
{b{_Qo>S> Zo 1.26 Ho$ emoYj_Vm AZwnmV H$s gyMZm Xr h&
I.4.2.4 31 _mM 2016 H$s pW{V Ho$ AZwgma {deofrH$V
~r_mH$VmAm| AWm EABgr Ama BgrOrgr Zo 31 _mM 2015 Ho$
CZHo$ H$_e 3.18 Ama 6.61 H$s VwbZm _| H$_e 3.26 Ama
9.79 H$m emoYj_Vm AZwnmV gy{MV {H$`m h&
nwZ~u_mH$Vm
I.4.2.5 am>r` nwZ~u_mH$Vm, ^maVr` gmYmaU ~r_m {ZJ_ Zo 31
_mM 2016 H$s pW{V Ho$ AZwgma 3.48 H$m emoYj_Vm AZwnmV
gy{MV {H$`m h (31 _mM 2015 H$mo `h 3.04 Wm)&
I.4.3 nwZ~u_m H$s {ZJamZr
I.4.3.1 nwZ~u_m Ho$ g~Y _| m{YH$aU H$mo {X`m J`m A{YXoe
AmBAmaS>rE A{Y{Z`_, 1999 H$s Ymam 14(1) Ama Cn-Ymam
(E\$) Ed ~r_m A{Y{Z`_, 1938 H$s YmamAm| 34E\$, 101E,
101~r Ama 101gr Ho$ Cn~Ym| _| {Z{hV h& BgHo$ A{V[a$,
m{YH$aU Zo XmoZm| OrdZ Ama Ja-OrdZ ~r_mH$VmAm| mam nwZ~u_m
go g~{YV {d{Z`_ ~Zm`o h Omo nwZ~u_mH$VmAm| Ho$ nmg nwZ~u_m
aIZo Ho$ {bE AmYma^yV {Z`_ {ZYm[aV H$aVo h& ~r_m A{Y{Z`_,
1938 Ho$ Cn~Ym| Ho$ AVJV "^maVr` nwZ~u_mH$Vm" g^r `j
Ja-OrdZ ~r_mH$VmAm| go `oH$ df {ZYm[aV $n _| ~m`H$a
A`nU m H$aZo Ho$ {bE d` H$mo nm ~ZmVo h& C$ gr_mE
^maV gaH$ma Ho$ AZw_moXZ go nwZ~u_m gbmhH$ma g{_{V Ho$ gmW
nam_e H$aZo Ho$ ~mX {ZYm[aV {H$`o J`o h&
I.4.3.2 `oH$ ~r_mH$Vm Ho$ {bE EH$ `mnH$ Ama Hw$eb nwZ~u_m
H$m`H$_ H$s Amd`H$Vm hmoVr h Vm{H$ CgH$s {dmr` e{$ H$s
gr_mAm| Ho$ AXa n[aMmbZ H$aZo Ho$ {bE Cgo g_W ~Zm`m Om gHo$&
`h ~r_mH$Vm H$s emoYj_Vm H$mo ~Zm`o aIZo Ho$ {bE Ama `h
gw{ZpMV H$aZo Ho$ {bE _hdnyU h {H$ Xmdo O~ ^r Cn hm| V~
Ch| drH$ma {H$`m Om gHo$& AV m{YH$aU Zo `h {ZYm[aV {H$`m
h {H$ `oH$ ~r_mH$Vm AnZo nwZ~u_m H$m`H$_ Ho$ {bE AnZo ~moS>
2015-16
H$m AZw_moXZ m H$aoJm& {d{Z`m_H$ T>mMm ^r m{YH$aU Ho$ nmg
{dmr` df Ho$ {bE nwZ~u_m H$m`H$_ C$ df Ho$ ma^ go H$_ go H$_
45 {XZ nhbo Xm{Ib H$aZo Ho$ {bE `dWm H$aVm h& BgHo$ A{V[a$
~r_mH$VmAm| go `h ^r Ano{jV h {H$ do nwZ~u_m `dWmAm| go
g~{YV g_PmVm n{M`m AWdm H$da ZmoQ> m{YH$aU Ho$ nmg {dmr`
df Ho$ ma^ go 30 {XZ Ho$ AXa Xm{Ib H$a|& `o Cnm` {H$gr ^r
~r_m H$nZr Ho$ {bE n`m Ama Hw$eb nwZ~u_m `dWmAm| Ho$
ApVd go g~ _hd na {deof ~b XoVo h& `h _aU aho {H$
{H$gr ~r_m H$nZr H$s emoYj_Vm H$s pW{V H$m {ZYmaU "nwZ~u_m
H$mo KQ>mZo" Ho$ AmYma na {H$`m OmVm h&
I.4.3.3 C$ {d{Z`_ `h ^r Anojm H$aVo h {H$ `oH$ ~r_mH$Vm
H$mo CgH$s {dmr` e{$ Ama `dgm` Ho$ n[a_mU Ho$ AZw$n
A{YH$V_ g^d {VYmaU ~Zm`o aIZm Mm{hE& nwZ~u_m H$m`H$_
H$mo V`ma H$aZo Ho$ g~Y _| _mJXeu {gmV {ZZmZwgma ~Vm`o J`o
h :
1. Xoe Ho$ AXa {VYmaU H$mo A{YH$V_ H$a|;
2. n`m j_Vm {dH${gV H$a|;
3. CnJV nwZ~u_m bmJVm| Ho$ {bE gdm{YH$ g^d gwajm m
H$a|; VWm
4. `dgm` Ho$ ~YZ H$mo gab ~ZmE&
I.4.3.4 AmBAmaS>rEAmB Zo nwZ~u_m {d{Z`_, 2002 _| gemoYZ
bmJy {H$`o h VWm Ch| _mM 2003 _| A{Ygy{MV {H$`o h&
~r_mH$Vm / nw Z ~u_mH$Vm nw Z ~u_m `dgm` ^maV Ho $ ~mha
~r_mH$VmAm|/nwZ~u_mH$VmAm| Ho$ nmg CZH$s Ho${S>Q> aoqQ>J, Xmdm
AZw^d, Xmdm ^wJVmZ j_Vm Ama emoYj_Vm na {dMma H$aZo Ho$
~mX aI gH$Vo h& VXZwgma Hw$b nwZ~u_m g~Yr gr_m Omo EH$
~r_mH$Vm ^maV Ho$ ~mha {H$gr ~r_mH$Vm/nwZ~u_mH$Vm Ho$ nmg aI
gH$Vm h, AmBAmaS>rEAmB mam {ZYm[aV H$s JB h& BgHo$ A{V[a$,
AmnmVr Omo{I_m| Ho$ nwZ~u_m Ho$ g~Y _| g^r ~r_mH$VmAm|/
35
 dm{fH$ [anmoQ>
nwZ~u_mH$VmAm| H$mo AnZm nwZ~u_m H$m`H$_ m{YH$aU Ho$ nmg
Xm{Ib H$aZo go nhbo `h gw{ZpMV H$aZo Ho$ {bE A{YXoe {X`m
J`m h {H$ AmnmVr gM`Zm| Ho$ g~Y _| nwZ~u_m `dWmE {d{^
`WmWnaH$ AmnXm n[a` narjU H$m `moJ H$aVo hE n`m h Ama
CZHo$ {ZXoeH$ _S>b mam AZw_mo{XV h& ~r_m {d{Y gemoYZ
A{Y{Z`_, 2015 H$m AZwg_WZ hmoZo Ho$ H$maU nwZ~u_m {d{Z`_
gemoYZ H$s {H$`m _| h&
gr_mnma nwZ~u_mH$Vm
I.4.3.5 m{YH$aU Zo ~r_m A{Y{Z`_, 1938 H$s Ymam
114(OoS>S>r) Ho$ AVJV Cgo Xm e{$`m| Ho$ AYrZ "gr_mnma
nwZ~u_mH$Vm" g~Yr {Xem{ZX}e Omar {H$`o h& `o {Xem{ZX}e 1
Ab 2016 go ^mdr Wo Omo 6 OZdar 2012 H$mo Omar {H$`o J`o
nhbo Ho$ {Xem{ZX}em| H$m A{YH$_U H$aVo h& `o {Xem{ZX}e CZ
"gr_mnma nwZ~u_mH$VmAm|" na bmJy h {OZH$s ^maV _| ^m{VH$
CnpW{V Zht h, naVw Omo ^maVr` ~r_m H$n{Z`m| Ho$ gmW nwZ~u_m
`dgm` H$aVo h&
m{YH$aU Zo BZ {Xem{ZX}em| Ho$ AZwgma gr_mnma nwZ~u_mH$VmAm|
H$mo {dbjU nhMmZ g`m (`yAmBEZ) Ho$ dm{fH$ Am~Q>Z H$s dV_mZ
{H$`m H$mo g_m {H$`m h& VWm{n, gr_mnma nwZ~u_mH$Vm Ho$ {bE
`h Amd`H$ h {H$ dh `oH$ df EH$ ~r_mH$Vm Ho$ _m`_ go
m{YH$aU H$mo EH$ gyMZm nH$ VwV H$ao& `h A{Zdm` H$a {X`m
J`m {H$ gr_mnma nwZ~u_mH$VmAm| Ho$ nmg {nN>bo nmM dfm] H$s Ad{Y
Ho$ {bE H$_ go H$_ ~r~r~r (Eg ES> nr Ho$ gmW) H$m Ho${S>Q> aoqQ>J
hmoZm Mm{hE Ama CZH$m {nN>bm Xmdm {ZnmXZ gVmofOZH$ hmoZm
Mm{hE& nwZ~u_mH$VmAm| H$mo AnZo dXoe _| dY gWmE hmoZr Mm{hE
VWm Ch| AnZo dXoe Ho$ n`dojH$m| Ho$ mam n`do{jV hmoZm Mm{hE&
nwZ~u_mH$Vm H$s emoYj_Vm dXoe Ho$ {d{Z`_ZH$Vm/ n`dojH$
mam {ZYm[aV _mZH$m| go H$_ Zht hmoZr Mm{hE& CZH$s {dmr` e{$,
~YZ H$s JwUdmm Ama CZH$s VH$ZrH$s majU H$m`n{V`m| H$s
n`mVm H$s {ZJamZr CZHo$ dXoe Ho$ n`dojr m{YH$aU mam H$s
OmZr Mm{hE& m{YH$aU CZ nwZ~u_mH$VmAm| H$mo EH$ df H$s dYVm
Ad{Y Ho$ gmW EH$ {dbjU nhMmZ g`m (`yAmBEZ g`m) XmZ
H$aoJm, Omo Eogo am>r` {d{Z`m_H$ n[adoe _| nOrH$V Ama/ `m
2015-16
_mUrH$V h {OZHo$ gmW ^maV gaH$ma Zo S>rQ>rE H$ama na hVmja
{H$`o h&
I.4.3.6 df 2015-16 _| 244 nwZ~u_mH$VmAm| Ama 90 bm`S>g
qg{S>Ho$Q>m| H$mo {dbjU nhMmZ g`m (`yAmBEZ) Am~{Q>V H$s JB
VWm 2016-17 Ho$ {bE m{YH$aU Zo 237 nwZ~u_mH$VmAm| Ama
99 bm`S>g qg{S>Ho$Q>m| H$mo 336 `yAmBEZ Omar H$s h&
g^r ~r_mH$VmAm| / nwZ~u_mH$VmAm| H$mo "gr_mnma nwZ~u_mH$Vm"
g~Yr {Xem{ZX}em| H$m H$S>mB go AZwnmbZ H$aZo Ho$ {bE {ZXoe {X`m
J`m VWm H$moB ^r ~r_mH$Vm/ nwZ~u_mH$Vm Eogr {H$gr gWm Ho$ nmg
nwZ~u_m `dgm` Zht aI gH$Vm Omo nOrH$V Zht h Ama {OgHo$
nmg m{YH$aU mam Am~{Q>V {dbjU nhMmZ g`m Zht h&
m{YH$aU Zo C$ {Xem{ZX}em| _| `h n> $n go H$hm h {H$ nOrH$V
gr_mnma nwZ~u_mH$VmAm| Ho$ nmg nwZ~u_m `dgm` aIZo H$m Xm{`d
^maVr` ~r_mH$VmAm| AWdm ^maVr` nwZ~u_mH$VmAm| na h& nwZ~u_m
`dgm` aIZo go nhbo `h gw{ZpMV H$aZm ^maVr` ~r_mH$Vm AWdm
^maVr` nwZ~u_mH$Vm H$m Xm{`d hmoJm {H$ gr_mnma nwZ~u_mH$Vm
g_`-g_` na m{YH$aU mam {d{Z{X> $n _| AnojmE nyar H$aVm
h&
I.4.4 ~r_m nyb AmVH$dmX nyb
I.4.4.1 AVaam>r` nwZ~u_mH$VmAm| mam 9/11 Ho$ ~mX AmVH$dmX
~r_majm H$mo hQ>mZo Ho$ ~mX Ab 2002 _| ^maV _| g^r Ja-OrdZ
~r_m H$n{Z`m| mam EH$ nhb Ho$ $n _| ^maVr` ~mOma AmVH$dmX
Omo{I_ ~r_m nyb ~Zm`m J`m& Bg nyb Zo Bg H$ma g\$b n[aMmbZm|
Ho$ 14 df nyao {H$`o h& g^r ^maVr` Ja-OrdZ ~r_m H$n{Z`m Ama
OrAmBgr AmaB C$ nyb Ho$ gX` h& Bg nyb H$m emgZ OrAmBgr
AmaB mam {H$`m OmVm h& `h nyb gn{m ~r_m nm{b{g`m| Ho$ AVJV
a{jV AmVH$dmX Omo{I_ Ho$ ~r_m Ho$ {bE bmJy h&
I.4.4.2 {V WmZ j{Vny{V H$s gr_m AmBEZAma 1000 H$amoS>
Ho$ {nN>bo Va H$s VwbZm _| 1 Ab 2014 go `1,500 H$amoS> VH$
36
 dm{fH$ [anmoQ> 2015-16

~T>mB JB h& Cgr VmarI go AmVH$dmX nyb `dWm Ho$ AVJV Ho$ {H$gr ^r `dgm` Ho$ g~Y _| eV] {ZYm[aV H$a gH$Vr h
r{_`_ Xam| H$m AYmo_wIr gemoYZ {H$`m J`m h& VWm Eo g r eV] ^maVr` nw Z ~u_mH$Vm A m| Am a A`
~r_mH$VmAm| na ~m`H$mar hm|Jr&
I.4.4.3 Xbmbm| / EO|Q>m| mam ~ohVa {dnUZ Ho$ gmW AmVH$dmX
Omo{I_ ~r_m Ho$ {bE ~mOma `mnZ _| gwYma bmZo Ho$ {bE Xbmbm|/ I.4.4.6 2015-16 Ho$ {bE nwZ~u_mH$Vm (OrAmBgr AmaB) Ho$
EO|Q>m| Ho$ _m`_ go m AmVH$dmX ~r_m `dgm` Ho$ {bE {V ~m`H$a A`nU
01.01.2014 go AmVH$dmX r{_`_ na 5% VH$ Xbmbr/ EO|gr
H$_reZ H$s AZw_{V Xr JB& 1. ^maVr` nwZ~u_mH$Vm Ho$ nmg nwZ~u{_V H$s OmZodmbr `oH$
gmYmaU ~r_m nm{bgr na ~r{_V am{e Ho$ {VeV A`nU
I.4.4.4 C$ nyb H$s r{_`_ Am` 2014-15 Ho$ `472.33 1 Ab 2015 go 31 _mM 2016 VH$ Ho$ df Ho$ XmamZ
H$amoS> H$s VwbZm _| 2015-16 _| `475.93 H$amoS> ahr& nyb mam g~ ~r_mAm| Ho$ g~Y _| 5% hm|Jo&
2015-16 Ho$ XmamZ ^wJVmZ {H$`o J`o Xmdo `2.04 H$amoS> Ho$ Wo&
2015-16 Ho$ XmamZ nyb Ho$ {bE {H$gr ~S>r hm{Z H$s gyMZm Zht Xr 2. df 2013-14 Ho$ {bE C$ ~m`H$a A`nU `dgm` H$s
JB& g^r `dWmAm| na 5% VH$ KQ>m`m J`m O~{H$ 2012-
13 _| `h 10% Wm (_moQ>a Ama dm` H$mo N>moS>H$a --
I.4.4.5 nwZ~u_mH$Vm (OrAmBgr AmaB) H$mo ~m`H$a A`nU d`{$H$ XwKQ>Zm Ama `mm g{hV Ohm C$ Xa 7.5% Wr)&
A{Y{Z`_ Ho$ Cn~Y ~m`H$a A`nU H$s Xa df 2014-15 Ama 2015-16
Ho$ {bE 5% na ~Zm`o aIr JB h&
H$) ~r_m A{Y{Z`_, 1938 H$s Ymam 101E {ZYm[aV H$aVr h
{H$ `oH$ ~r_mH$Vm ^maVr` nwZ~u_mH$Vm Ho$ gmW m{YH$aU
mam Ho$ gaH$ma Ho$ nyd AZw_moXZ go, A{Y{Z`_ H$s Ymam
101~r Ho$ AYrZ J{R>V nwZ~u_m gbmhH$ma g{_{V Ho$ gmW
nam_e H$aZo Ho$ ~mX {d{Z{X> $n _| `oH$ gmYmaU ~r_m gmaUr I.39 {Zdb {VYmaU
(OrAmBgr) 2015-16
nm{bgr na ~r{_V am{e Ho$ {ZYm[aV {VeV H$m nwZ~u_m
H$aoJm, {Oh| "~m`H$a A`nU' AWdm "gm{d{YH$ `dgm` H$s `dWm Xoer {dXoer
`dgm` % `dgm` %
A`nU' Ho$ $n _| ^r OmZm OmVm h&
\$m`a 55.51 90.74
(I) m{YH$aU A{YgyMZm mam ^maVr` nwZ~u_mH$Vm Ho$ nmg _arZ H$mJm} 92.84 83.93
nwZ~u{_V H$s OmZodmbr `oH$ nm{bgr na ~r{_V am{e Ho$ _arZ hb 80.32 82.49
{VeVm| H$mo {d{Z{X> H$a gH$Vm h VWm {d{^ dJm] Ho$ BOr{Z`[aJ 77.60 95.95
~r_m Ho$ {bE {d{^ {VeV {d{Z{X> {H$`o Om gH$Vo h {d_mZZ - 83.51
~eV} {H$ Bg H$ma {d{Z{X> H$moB ^r {VeV Eogr nm{bgr _moQ>a 100.00 100.00
na ~r{_V am{e Ho$ 30 {VeV go A{YH$ Zht hmoJm& {d{dY 92.15 100.00
OrdZ 78.13 100.00
(J) Ymam 101E(4) _| `dWm h {H$ ~r_m A{Y{Z`_, 1938
H$s H$s Ymam 101E H$s Cn-Ymam (2) Ho$ AVJV A{YgyMZm Hw$b 85.70 92.69
^r Bg Ymam Ho$ AYrZ {H$`o OmZo Ho$ {bE Ano{jV nwZ~u_m
37
 dm{fH$ [anmoQ> 2015-16

gmaUr I.40 ^maVr` ~mOma AmVH$dmX Omo{I_ ~r_m g_yh (nyb) _| gX`m| H$m Ae
(` H$amoS> _|)
H$_ gX` H$nZr 2015-16 2016-17
g. {V Omo{I_ Ae {VOmo{I_ Ae
j_Vm (% _|) j_Vm (% _|)
1 ^maVr` gmYmaU ~r_m {ZJ_ 237.615 15.841 237.615 15.841
2 ZoeZb B`moa|g H$nZr {b. 178.215 11.881 170.715 11.381
3 Xr `y B{S>`m E`moa|g H$nZr {b. 237.615 15.841 237.615 15.841
4 Xr Amo[a`Q>b B`moa|g H$nZr {b. 178.215 11.881 178.215 11.881
5 `wZmBQo>S> B{S>`m B`moa|g H$nZr {b. 188.865 12.591 188.865 12.591
6 ~OmO Abm`O OZab B`moa|g H$nZr {b. 74.640 4.976 74.640 4.976
7 ^maVr Agm OZab B`moa|g H$nZr {b. 15.105 1.007 15.105 1.007
8 Mmobm_S>b_ OZab B`moa|g H$nZr {b. 29.505 1.967 29.505 1.967
9 `yMa OZambr OZab B`moa|g H$nZr {b. 15.000 1.000 15.000 1.000
10 gaH$mar ~r_m {Z{Y, JwOamV 15.000 1.000 15.000 1.000
11 EMS>rE\$gr EaJmo OZab B`moa|g H$nZr {b. 15.105 1.007 15.105 1.007
12 AmBgrAmBgrAmB bmo~mS> OZab B`moa|g H$nZr {b. 118.815 7.921 118.815 7.921
13 BH$mo-Q>mo{H$`mo OZab B`moa|g H$nZr {b. 59.400 3.960 59.400 3.960
14 H$moQ>H$-_{hm OZab B`moa|g H$nZr {b. 2015-16 _| nyb H$m gX` Zht 7.500 0.500
15 Eb ES> Q>r OZab B`moa|g H$nZr {b. 15.105 1.007 15.105 1.007
16 {b~Q>u dr{S>`moH$mZ OZab B`moa|g H$nZr {b. 15.105 1.007 15.105 1.007
17 _J_m EMS>rAmB OZab B`moa|g H$nZr {b. 7.500 0.500 7.500 0.500
18 ahoOm `y~rB OZab B`moa|g H$nZr {b. 0.750 0.050 0.750 0.050
19 [abm`g OZab B`moa|g H$nZr {b. 29.700 1.980 29.700 1.980
20 am`b gwXa_ Abm`g B`moa|g H$nZr {b. 15.000 1.000 15.000 1.000
21 Eg~rAmB OZab B`moa|g H$nZr {b. 4.995 0.333 4.995 0.333
22 lram_ OZab B`moa|g H$nZr {b. 15.000 1.000 15.000 1.000
23 Q>mQ>m-EAmBOr OZab B`moa|g H$nZr {b. 23.760 1.584 23.760 1.584
24 `y{Zdgb gmonmo OZab B`moa|g H$nZr {b. 9.990 0.666 9.990 0.666
Hw$b 1500 100 1500 100
I.4.4.7 nwZ~u_m gbmhH$ma g{_{V Bg `moOZ Ho$ {bE m{YH$aU A{YgyMZm mam H$) ^maVr`
~r_m A{Y{Z`_, 1938 H$s Ymam 101E Ho$ AZwgma `oH$ ~r_mH$Vm nwZ~u_mH$Vm Ho$ nmg nwZ~u{_V H$s OmZodmbr `oH$ nm{bgr na
^maVr` nwZ~u_mH$Vm Ho$ nmg m{YH$aU mam Ho$ gaH$ma Ho$ nyd ~r{_V am{e Ho$ {VeV {d{Z{X> H$a gH$Vm h VWm ~r_m Ho$ {d{^
AZw_moXZ go nwZ~u_m gbmhH$ma g{_{V Ho$ gmW nam_e H$aZo Ho$ ~mX dJm] Ho$ {bE {d{^ {VeV {d{Z{X> {H$`o Om gH$Vo h, ~eV} {H$
{d{Z{X> {H$`o OmZodmbo $n _| `oH$ gmYmaU ~r_m nm{bgr na Bg H$ma {d{Z{X> H$moB ^r {VeV Eogr nm{bgr na ~r{_V am{e Ho$
~r{_V am{e Ho$ {ZYm[aV {VeV H$m nwZ~u_m H$aoJm, Omo "~m`H$a 30 {VeV go A{YH$ Zht hmoJm; VWm I) dh AZwnmV {d{Z{X>
A`nU' AWdm "gm{d{YH$ A`nU' Ho$ $n _| ^r OmZm OmVm h& H$a gH$Vm h {Og_| Cn`w$ {VeV ^maVr` nwZ~u_mH$Vm Ho$ ~rM
Am~{Q>V {H$`m OmEJm&

38
 dm{fH$ [anmoQ> 2015-16

gmaUr I.41 gmaUr I.42

^maVr` `dgm` na ^maV Ho$ ~mha A`{nV ^maV _| gH$b `j r{_`_ Ho$ {VeV Ho$ $n _|
nwZ~u_m (OrAmBgr H$mo N>moS>H$a) ^maV Ho$ AXa Ama ^maV Ho$ ~mha aIm J`m nwZ~u_m
(` H$amoS>) (OrAmBgr H$mo N>moS>H$a)
dJ 2015-16 2014-15 dJ 2015-16 2014-15
A`{nV A`{nV A`{nV A`{nV ^maV _| ^maV Ho$ ~mha ^maV _| ^maV Ho$ ~mha
r{_`_ {Zdb bm^ r{_`_ {Zdb bm^ aIm J`m aIm J`m aIm J`m aIm J`m
\$m`a 2110.66 (303.75) 2220.44 (1,442.36) \$m`a 36.68 24.82 29.86 28.98
_arZ H$mJm} 317.58 (325.31) 375.84 (5.33) _arZ H$mJm} 13.24 14.96 9.34 16.9
_arZ hb 389.34 245.24 628.55 (207.02) _arZ hb 37.50 42.73 21.89 59.7
_moQ>a106.36 (99.64) 73.01 (28.36) _moQ>a 8.93 0.26 8.35 0.2
{d_mZZ 138.02 0.42 242.14 98.69 {d_mZZ 71.97 32.26 36.95 57.86
BOr{Z`[aJ 562.30 149.41 646.75 3.39 BOr{Z`[aJ 34.75 23.74 27.24 27.3
A` {d{dY 3098.76 (508.46) 3021.31 211.93
A` {d{dY 12.04 8.19 12.14 11.09
Hw$b 6723.03 (842.10) 7208.04 (1,369.06)
Hw$b 14.06% 7.23% 12.76% 9.31%
{Q>nUr: H$mo>H$ _| AmH$S>o F$Um_H$ _y` XemVo h&

I.4.4.8 ^maVr` _moQ>a A` nj AdrH$V Omo{I_ ~r_m nyb
(S>rAma nyb) H$m {dIS>Z
1. m{YH$aU Zo {XZmH$ 23 {Xg~a 2011 Ho$ AnZo AmXoe g.
AmBAmaS>rE/EZEb/AmoAmaS>r E_nrEb/277/12/
2011 Ho$ mam 01 Ab 2012 go Ho$db Xo`Vm dm{Up`H$
dmhZ A` nj ~r_m Ho$ {bE EH$ AdrH$V Omo{I_ nyb
{Z{_V {H$`m h&
2. Bg ~rM, 23 _mM 2015 H$mo ~r_m {d{Y (gemoYZ)
A{Y{Z`_, 2015 A{Ygy{MV {H$`m J`m, {OgHo$ mam
~r_mH$VmAm| Ho$ {bE `h A{YXoem_H$ H$a {X`m J`m {H$ do
m{YH$aU mam {ZYm[aV VarHo$ go _moQ>a A` nj `dgm`
H$m Hw$N> `yZV_ {VeV nyam H$ao&
3. Cn`w$ H$mo `mZ _| aIVo hE EH$ hr `moOZ Ho$ {bE Xmo
A{YXoem| H$mo ~Zm`o aIZo H$s Amd`H$Vm Zht Wr Ama Bg

gmaUr I.43
gH$b `j r{_`_ Ho$ {VeV Ho$ $n _| ^maVr` `dgm` na
{Zdb {VYm[aV r{_`_ (OrAmBgr H$mo N>moS>H$a)
dJ 2015-16 2014-15
gaH$mar jo {ZOr jo Hw$b gaH$mar jo {ZOr jo Hw$b
\$m`a 62.00 30.96 48.70 63.76 31.31 50.94
_arZ H$mJm} 81.62 67.18 74.01 84.12 65.41 75.44
_arZ hb 28.50 10.45 26.62 26.15 8.71 24.53
_moQ>a 94.68 88.62 91.46 95.3 89.17 92.04
BOr{Z`[aJ 63.30 26.52 51.40 69.24 26.62 55.73
{d_mZZ 1.22 60.09 13.42 10.45 50.77 18.25
A` {d{dY 88.22 69.01 81.00 86.23 68.16 78.6
Hw$b 85.71 86.78 80.88 84.74 75.24 80.34

39
 dm{fH$ [anmoQ> 2015-16

H$maU go m{YH$aU Zo 1 Ab 2016 go dm{Up`H$ dmhZ I.4.4.9 _moQ>a A` nj r{_`_ Xam| _| gemoYZ
Ho$ {bE ^maVr` _moQ>a A` nj AdrH$V Omo{I_ nyb (EoQ>
AmoZbr ~r_m) H$mo {dI{S>V H$aZo H$m {ZU` {H$`m& 1. {XZmH$ 15 Ab 2011 H$s A{YgyMZm g. AmBAmaS>rE/
EZEb/EZQ>rE\$EZ/E_AmoQ>rnr/ 066/04/2011 Ho$ AZwgma
4. df 2015-16 Ho $ {bE AdrH $ V Omo { I_ r{_`_ m{YH$aU H$mo Ho$db _moQ>a A` nj Xo`Vm ajm Ho$ {bE r{_`_ Xam|
`413.11 H$amoS> (100%) h VWm df 2015-16 Ho$ {bE H$s g_rjm H$aZr Mm{hE VWm Cg_| {d{Z{X> \$m_ybo H$m Cn`moJ
S>rAma nyb H$mo A`{nV r{_`_ `309.83 H$amoS > (75%) H$aVo hE dm{fH$ Vma na CZH$m g_m`moOZ H$aZm Mm{hE&
h& gaH$mar jo H$n{Z`m| Ama {ZOr jo H$n{Z`m| Ho$ ~rM
r{_`_ H$m {dbo{fV {ddaU gmaUr .45 _| {X`m J`m h& 2. VXZwgma, nyd Ho$ A{Ib ^maVr` _moQ>a ewH$ Ho$ AZwgma
dmhZm| Ho$ `oH$ dJ na C$ \$m_ybm bmJy {H$`m J`m h&
5. m{YH$aU Zo ^maVr` gmYmaU ~r_m {ZJ_ H$mo o{fV {XZmH$
10 \$adar 2016 Ho$ AnZo n g. AmBAmaS>rE/ EZEb/ VWm{n, nm{bgrYmaH$m| na Xam| _| d{ Ho$ AMmZH$ Ama {VHy$b
E_Q>rnr/ S>rAmanr/ 2013-1501/2016 Ho$ mam boIm| ^md H$mo XoIVo hE, m{YH$aU Zo VXZwgma _moQ>a ~r_m Ho$ Hw$N> dJm]
H$mo A{V_ $n XoZo Ho$ {bE AdrH$V Omo{I_ nyb Ho$ g~Y _| Xa H$mo ~T>mZo AWdm KQ>mZo Ho$ mam C$ Xam| H$mo gVw{bV {H$`m
_| df 2014-15 Ho$ {bE 184% na A{V_ hm{Z AZwnmV VWm df 2016-17 Ho$ {bE _moQ>a A` nj ~r_m ajm hoVw gemo{YV
Kmo{fV {H$`m& r{_`_ Xa| {XZmH$ 28 _mM 2016 H$s A{YgyMZm g. AmBAmaS>rE/
EZEb/ EZQ>rE\$EZ/ E_AmoQ>rnr/ 060/ 03/ 2015 Ho$ mam
A{Ygy{MV H$s&
gmaUr I.44
gH$b `j r{_`_ Ho$ {VeV Ho$ I.4.5 ~r_mH$VmAm| mam {Zdoem| H$s {ZJamZr
$n _| Ja-OrdZ ~r_mH$VmAm| H$m {Zdb
{VYmaU (OrAmBgr g{hV) I.4.5.1 g^r ~r_mH$VmAmo go Ano{jV h {H$ do {Zdoe {d{Z`_m|
dJ 2015-16 2014-15 Ho$ AVJV {ZYm[aV $n _| {Zdoem| Ho$ d$n H$m nmbZ H$a|& OrdZ
\$m`a 63.01 64.54 Ama Ja-OrdZ ~r_m jo mam {H$`o J`o {Zdoem| H$m {ddaU ZrMo
_arZ H$mJm} 81.01 81.59 {X`m J`m h
_arZ hb 44.51 35.47
_moQ>a 99.20 99.67 ~r_m jo Ho$ Hw$b {Zdoe
BOr{Z`[aJ 67.23 71.8
{d_mZZ 27.15 38.91 I.4.5.2 31 _mM 2016 H$s pW{V Ho$ AZwgma, ~r_m jo mam
A` {d{dY 84.28 88.14 {H$`o J`o {Zdoem| H$s g{MV Hw$b am{e `26,90,194 H$amoS> Wr& df
Hw$b 87.72 89.57 Ho$ XmamZ `h 11.71 {VeV ~T>m h& OrdZ ~r_mH$VmAm| Zo CmoJ
mam {H$`o J`o Hw$b {Zdoem| Ho$ A{YH$me ^mJ H$m bJmVma AeXmZ
gmaUr I.45 df 2015-16 Ho$ {bE {H$`m h {OZH$m Ae Hw$b {Zdoem| H$m 93.01 {VeV h& Bgr
AdrH$V Omo{I_ nyb Ho$ AVJV r{_`_ H$ma gaH$mar jo H$s H$n{Z`m| Zo Hw$b {Zdoem| _| EH$ ~So> ^mJ
S>rAma nyb H$mo A`{nV r{_`_ 79.24 {VeV H$m AeXmZ H$aZm Omar aIm, hmbm{H$ {ZOr jo Ho$
(75 %) (` H$amoS>) ~r_mH$VmAm| mam {Zdoe hmb Ho$ dfm] _| Vrd J{V go ~T> aho h&
gaH$mar jo 302.32
{ZOr jo 7.51
Hw$b 309.83

40
 dm{fH$ [anmoQ> 2015-16

I.4.5.3 OrdZ ~r_mH$VmAm| mam {Zdoe Ho$ {bE CnbY {Z{Y`m|
Ho$ {d{^ moVm| H$mo nman[aH$ CnmXm| go {Z{Y`m| Ed `y{bn CnmXm|
go {Z{Y`m| Ho$ $n _| dJuH$V {H$`m Om gH$Vm h& 31 _mM 2016
H$s pW{V Ho$ AZwgma OrdZ ~r_mH$VmAm| mam {Zdo{eV {Z{Y`mo H$s
Hw$b am{e `25,02,068 H$amoS> Wr& Cg_| `3,40,412 H$amoS>
(Hw$b {Z{Y`m| H$m 13.61 {VeV) `y{bn {Z{Y`m| go Am`m h VWm
eof `21,61,656 H$amoS> (86.39 {VeV) H$m AeXmZ nman[aH$
CnmXm| Ho$ mam {H$`m J`m& {nN>bo nmM dfm] Ho$ XmamZ `y{bn H$m
Ae EH$ AYmo_wIr d{m H$m gm_Zm H$a ahm h Ama BgH$m Ae
{nN>do df CgHo$ nyddVu df H$s VwbZm _| 2.53% ZrMo Am`m&

gmaUr I.46
~r_m jo Ho$ Hw$b {Zdoe
(31 _mM H$mo)
(` H$amoS>)
~r_mH$Vm OrdZ Ja-OrdZ Hw$b
2015 2016 2015 2016 2015 2016
gaH$mar 1786312 2009119 103561 122560 1889873 2131679
(13.37) (12.47) (10.42) (18.35) (13.30) (12.79)
{ZOr 461210 492949 57153 65565 518363 558514
(20.37) (6.88) (24.18) (14.72) (20.78) (7.75)
Hw$b 2247522 2502068 160714 188126 2408236 2690194
(14.82) (11.33) (14.95) (17.06) (14.83) (11.71)
{Q>nUr: 1. H$mo>H$ _| AmH$So> {nN>bo df H$s VwbZm _| {VeV _| d{ XemVo h&
2. 2016 gaH$mar _| {deofrH$V ~r_mH$Vm AWm BgrOrgr Ama ^maVr` H${f ~r_m H$nZr (EAmBgr) em{_b h&
gmaUr I.47
OrdZ ~r_mH$VmAm| Ho$ Hw$b {Zdoe : {bIV-dma
(31 _mM H$mo)
(` H$amoS>)
{ZZ{b{IV go {Zdoe 2015 2016
am{e {VeV am{e {VeV
nman[aH$ CnmX
1 Ho$ gaH$ma H$s {V^y{V`m 722955 38.36 831049 38.44
2 am` gaH$ma Ama A` AZw_mo{XV {V^y{V`m 430554 22.84 528206 24.44
3 Amdmg Ama ~w{Z`mXr gaMZm 174512 9.26 186112 8.61
4 AZw_mo{XV {Zdoe 530568 28.15 583145 26.98
5 A` {Zdoe 26193 1.39 33145 1.53
H$. Hw$b (1+2+3+4+5) 1884782 100.00 2161656 100.00
`y{bn {Z{Y`m
6 AZw_mo{XV {Zdoe 352371 97.14 328974 96.64
7 A` {Zdoe 10369 2.86 11438 3.36
I. Hw$b (6+7) 362740 100.00 340412 100.00
Hw$b OmoS> (H$+I) 2247522 2502068

41
 dm{fH$ [anmoQ> 2015-16

g_rjmYrZ df Ho$ XmamZ `y{bn {Z{Y g_J $n _| `22,328 H$amoS>
KQ> JB h&
I.4.5.4 OrdZ ~r_mH$VmAm| mam {H$`o J`o {Zdoem| Ho$ d$n _|
31 _mM 2015 H$s VwbZm _| 31 _mM 2016 H$mo H$moB Img n[adVZ
Zht XoIm J`m h& Ho$ gaH$ma H$s {V^y{V`m Ama AZw_mo{XV
{Zdoe OrdZ ~r_mH$VmAm| mam {Zdoem| Ho$ Xmo _wI O[a`o h&
I.4.5.5 {Z{Y`m| Ho$ dJuH$aU H$s n{V Ho$ AmYma na Hw$b {Zdoem|
_| OrdZ {Z{Y H$m AeXmZ `16,97,453 H$amoS > (67.84 {VeV),
n|eZ Ama gm_m` dm{fH$s Ed gm_y{hH$ {Z{Y H$m AeXmZ
`4,64,203 H$amoS > (18.55 {VeV) VWm `y{bn {Z{Y H$m AeXmZ
`3,40,412 H$amoS> (13.61 {VeV) ahm& 2015-16 Ho$ XmamZ
Hw$b {Zdoe _| n|eZ/ dm{fH$s {Z{Y`m| H$m Ae 17.33 {VeV go
~T>H$a 18.55 {VeV hmo J`m h& BgHo$ Abmdm, OrdZ {Z{Y`m| Ho$
Ae 66.53 {VeV go 67.84 {VeV VH$ ~T> J`o h& VXZw$nr
Vma na `y{bn {Z{Y`m| H$m Ae 16.14 {VeV go 13.61 {VeV
VH$ ZrMo Am`m h&

gmaUr I.48
OrdZ ~r_mH$VmAm| Ho$ {Zdoe : {Z{Y-dma
(31 _mM H$mo)
(` H$amoS>)
~r_mH$Vm OrdZ {Z{Y n|eZ Ama gm_m` `y{ZQ> gh~ g^r {Z{Y`m|
dm{fH$s Ed gm_y{hH$ {Z{Y {Z{Y H$m `moJ
2015 2016 2015 2016 2015 2016 2015 2016
EbAmBgr 1359829 1527016 343813 412664 82671 69439 1786312 2009119
{ZOr 135480 170437 45660 51539 280069 270973 461210 492949
Hw$b 1495309 1697453 389473 464203 362740 340412 2247522 2502068
(66.53) (67.84) (17.33) (18.55) (16.14) (13.61) (100.00) (100.00)
{Q>nUr: H$mo>H$ _| AmH$So> Hw$b {Z{Y`m| _| go g~{YV {Z{Y`m| H$m {VeV h& .

gmaUr I.49
{Zdoem| H$s d{ : {Z{Y-dma
(31 _mM H$mo)
(` H$amoS>)
{Z{Y 2015 2016
Hw$b d{ % _| Hw$b d{ % _|
OrdZ 1495309 16.08 1697453 13.52
n|eZ Ama gm_m` dm{fH$s Ed gm_y{hH$ {Z{Y 389473 15.37 464203 19.19
nman[aH$ (H$) 1884782 15.93 2161656 14.69
`y{ZQ> gh~ {Z{Y`m (I) 362740 9.37 340412 -6.16
Hw$b (H$+I) 2247522 14.82 2502068 11.33

42
 dm{fH$ [anmoQ> 2015-16

gmaUr I.50
Ja-OrdZ ~r_mH$VmAm| Ho$ Hw$b {Zdoe : {bIV-dma
(31 _mM H$mo)
(` H$amoS>)
{bIVm| H$m d$n 2015 2016
Hw$b {Z{Y _| go % Hw$b {Z{Y _| go %
Ho$ gaH$ma {V^y{V`m 42904 26.70 49994 26.57
am` gaH$ma Ama A` AZw_mo{XV {V^y{V`m 17120 10.65 22160 11.78
Amdmg Ama am` gaH$ma H$mo Amdmg Ama E\$E\$B Ho$ {bE F$U 14834 9.23 19503 10.37
~w{Z`mXr gaMZmJV {Zdoe 27277 16.97 31946 16.98
AZw_mo{XV {Zdoe 53734 33.43 58311 31.00
A` {Zdoe 4845 3.01 6212 3.30
Hw$b 160714 100.00 188126 100.00
{Q>nUr : 1. 2016 _| BgrOrgr Ama EAmBgr Am\$ B{S>`m em{_b h&
2. E\$E\$B : A{e_Z CnH$a

Ja-OrdZ ~r_mH$VmAm| Ho$ {Zdoe
I.4.5.6 Ja-OrdZ ~r_mH$VmAm| Zo ~r_m CmoJ mam {H$`o J`o
Hw$b {Zdoem| _| Ho$db 6.99 {VeV H$m hr AeXmZ {H$`m h& 31
_mM 2016 H$s pW{V Ho$ AZwgma Bg jo mam {H$`o J`o {Zdoem| H$s
Hw$b am{e `1,88,126 H$amoS> Wr& 2015-16 Ho$ XmamZ {Zdoem| _|
{Zdb d{ `27,412 H$amoS> ({nN>bo df H$s VwbZm _| 17.06
{VeV d{) Wr&
I.4.5.7 {Zdoem| H$m d$n {nN>bo df Ho$ g_mZ hr ~Zm ahm& 31
_mM 2016 H$s pW{V Ho$ AZwgma Ja-OrdZ ~r_mH$VmAm| Zo
AZw_mo{XV {Zdoem| Ama Ho$ gaH$ma H$s {V^y{V`m| _| H$_e
`58,311 H$amoS> (31 {VeV) Ama `49,994 H$amoS> (26.57
{VeV) Ho$ {Zdoe {H$`o h&
I.4.6 dm` ~r_m `dgm`
dm` ~r_m r{_`_ H$s d{m (d`{$H$ XwKQ>Zm Ama `mm ~r_m
`dgm` H$mo N>moS>H$a)
I.4.6.1 gmYmaU Ama dm` ~r_m H$n{Z`m| mam gJhrV gH$b
dm` ~r_m r{_`_ 2015-16 Ho$ XmamZ `24,448 H$amoS> Wm
Ama `h {nN>bo {dmr` df Ho$ XmamZ `20,096 H$amoS> Wm& 2015-
16 Ho$ XmamZ dm` ~r_m IS> Zo gH$b r{_`_ _| 21.7 {VeV
H$s d{ Xa m H$s h, Omo{H$ {nN>bo nmM dfm] Ho$ XmamZ gy{MV H$s
JB CV_ Xa h& gaH$mar jo H$s Mma gmYmaU ~r_m H$n{Z`m| Zo
bJmVma 2015-16 _| Hw$b dm` r{_`_ Ho$ 64 {VeV na EH$
~So> ^mJ H$m AeXmZ H$aZm Omar aIm Omo {nN>bo df _| BVZm hr Wm&
Q>S>AbmoZ dm` ~r_mH$VmAm| Zo 2015-16 Ho$ XmamZ Hw$b dm`
~r_m r{_`_ H$m 16 {VeV AeXmZ {H$`m h, Ama Bg H$ma
Chm|Zo {nN>bo df H$s VwbZm _| 2 {VeV H$s d{ XO H$s h&
VWm{n, {ZOr gmYmaU ~r_mH$VmAm| Ho$ Ae _| Hw$N> {JamdQ> h, Omo
2014-15 Ho$ 22 {VeV go 2015-16 _| 20 {VeV VH$ ZrMo
Am`m h& `h XoIm Om gH$Vm h {H$ {nN>bo nmM dfm] Ho$ XmamZ {ZOr
jo Ho$ gmYmaU ~r_mH$VmAm| H$m Ae 2011-12 Ho$ 27 {VeV go
2015-16 _| 20 {VeV VH$ KQ> J`m h, O~{H$ Q>S>AbmoZ dm`
~r_mH$VmAm| H$m Ae 12 {VeV go 16 {VeV VH$ D$na CR>m h
VWm gaH$mar jo Ho$ gmYmaU ~r_mH$VmAm| H$m Ae 61 {VeV go
64 {VeV VH$ ~T> J`m h&

43
 dm{fH$ [anmoQ> 2015-16

~mg _X 1
dm` ~r_m _| Zdmo_ofU
AmO CnmX {dH$n, gmoeb _r{S>`m VWm `dhmaJV Ama OrdZ-ebr g~Yr n[adVZ Cn^mo$mAm| H$s _mZ{gH$ d{m`m| H$mo ~Xb aho h& g^r
H$ma Ho$ `dgm`m| Ho$ {bE Zdmo_ofU EH$ _wI {d^oXH$ ~Z J`m h Ama ~r_m BgH$m AndmX Zht h& {deof $n go dm` ~r_m Zdmo_ofU Ho$
{bE EH$ ~S>m _M CnbY H$amVm h& Zdmo_ofU H$moB ZB ~mV Zht h& Ammo{JH$ H$m{V go boH$a gyMZm Ho$ `wJ H$s mmo{JH$s Zo Ag` Zdmo_ofU
XoIo h, CXmhaU Ho$ {bE Omo ~r_m CmoJ g{hV `dgm` Ama g_mO _| AVJ{WV h& Ohm VH$ ~r_m H$m g~Y h, Zdmo_ofU H$s nhMmZ {dVaU,
CnmX A{^H$nZ Ama Hw$eb godm go H$s Om gH$Vr h Omo {H$gr Z {H$gr $n _| mmo{JH$s mam g_{WV h& {_gmb Ho$ {bE ZH$Xra{hV gw{dYm
H$s J{V nyar Vah momo{JH$s Ho$ H$maU hr g^d hmo gH$s h&
dm` ~r_m Vrd {dVma H$m gmjr ahm h VWm ^{d` Ho$ {bE ^r BgH$s CoIZr` d{ H$s g^mdZm h& O~{H$ ~h{dY H$maH$ Bg d{ H$mo
o[aV H$aVo h, dht dm` ~r_m CnmXm| _| Zdmo_ofU BZ_| go EH$ _hdnyU H$maH$ h& `{X CnmXm| Ho$ jo _| hmb hr _| K{Q>V Zdmo_ofUm| na
{>nmV {H$`m OmE Vmo {ZZ{b{IV H$m WmZ _wI $n go {XImB XoJm -- gd{YV H$daoO, H$daoO Ho$ Z`o H$ma Omo A~ VH$ And{OV ``m|
H$mo gp_{bV H$aVo h, AnVmb _| ^Vu go g~{YV mg{JH$ Ama AZwfJr ``m| H$m H$daoO, ~r_mH$V `{$ H$s g{H$` dm` nhb| Am{X&
O~ h_ gd{YV H$daoO H$s ~mV H$aVo h Vmo h_ nmVo h {H$ nm{H$gZ Ama AbPoB_oa H$s Ogr ~r_m[a`m| g{hV J^ra ~r_m[a`m| H$s g`m _|
~T>moVar hB h {Oh| AmOH$b H$da {H$`m Om ahm h& d`{$H$ XwKQ>Zm Ho$ {V Vm{dV H$daoO Zo ^r XwKQ>ZmAm| Ho$ {d{Z{X> H$maUm| Ho$ {bE Xwhao
`m {Vhao bm^m| Ho$ Vma na d{ XoIr h, Ogo XwKQ>ZmO{ZV N>mbo, AZwgy{MV dmhZm| H$s XwKQ>Zm, Am{X& Vrjm Ad{Y / CmaOr{dVm Ad{Y H$s
Ny>Q>/ nhbo go {d_mZ ~r_mar _| H$_r Ho$ {bE ^r H$da XmZ {H$`m Om ahm h& BgHo$ Abmdm, AnVmb _| ^Vu go nhbo Ho$ Ama CgHo$ ~mX Ho$
``m| Ho$ {bE {dVm[aV H$daoO {X`m Om ahm h&
A~ VH$ And{OV ~r_m[a`m| / {M{H$gmAm| Ho$ {bE gh-^wJVmZ AWdm H$Q>mVr`mo` Ho$ gmW H$daoO XmZ {H$`m Om ahm h& Ad`d-XmVmAm|
Ho$ ``m| H$mo H$da {H$`m Om ahm h& Am`wf {M{H$gm Ho$ ``m| H$s {Vny{V H$s Om ahr h& AZwdaVm (BZ\o${Q>{bQ>r) Ho$ {bE H$daoO h& Hw$N> _m_bm|
_| Omo{I_-^ar H$sS>mAm| Ho$ {bE d{YV bm^ (EoS>-AmZ) Ama AmVH$dmXr J{V{d{Y`m| Ho$ {d H$da {X`m Om ahm h& Ja-{M{H$gr` ``m| Ho$
{bE ^r H$da XmZ {H$`m Om ahm h& ~[a`m{Q>H$ e`{M{H$gm Omo A~ VH$ And{OV ahr, Ho$ {bE Hw$N> ~r_mH$VmAm| mam H$da {H$`m Om ahm
h& Hw$N> nm{b{g`m| Ho$ AVJV ghm`H$ dVwAm|, Ogo H${_ AJm| Ho$ {bE ^r H$da XmZ {H$`m Om ahm h& dm`-bm^ / [aH$dar bm^ EH$ Ama
Eogm bm^ h {OgH$mo H$da {H$`m Om ahm h& H$B A` Z`o H$da {X`o Om aho h& gy{V H$da Omo nhbo m` gm_y{hH$ nm{b{g`m| Ho$ AVJV hr
CnbY Wm, A~ Hw$N> d`{$H$ H$dam| Ho$ AVJV CnbY H$am`m Om ahm h& Hw$N> _m_bm| _| ZdOmV {eewAm| Ho$ {bE dMm{bV H$da {X`m Om ahm
h& am>r` {VajU H$m`H$_ Ho$ AZwgma Q>rH$m bJmZo Ho$ {bE ^r H$da {X`m OmVm h& X{ZH$ AnVmb ZH$Xr EH$ bmoH${` A{^H$n ~Z JB h
Ohm ~r_majm H$m {dd-^a _| ^r {dVma {H$`m J`m h& AmO _Yw_oh Ama Ca$Mmn Ho$ {bE {d{e> H$da CnbY h& H$B WmZm| na ~mamoJr
(AmCQ>noe|Q>) H$da ma^ {H$`o Om aho h& hdmB E~wb|g Ho$ {bE H$da EH$ Ama Zdmo_ofU h& Xygao S>mQ>a H$s am` Ho$ {bE H$da, gmW _o AmZodmbo
`{$`m| Ho$ ``m| Ho$ {bE H$da Am{X ^r Am_ ~mV| hmo ahr h& XwKQ>Zm Ho$ H$maU Ae$Vm H$s pW{V _| X{ZH$ {Zdmh Ho$ {bE Kaoby ghm`Vm hoVw
``m| Ho$ {bE H$da Ed Ae$ `{$`m| Ho$ {bE n[adVZm| Ho$ {bE H$da Am{X CnbY h& ~m| Ho$ {bE {ejm Ho$ bm^ Am{X g{hV d{YV bm^
(EoS>-AmZ) ^r ma^ {H$`o Om aho h& JmhH$m| H$s gw{dYm Ho$ {bE "nHo$O' Ama "H$m~r' Ho$ $n _| dm` H$da ^r CnbY h& EH$ A`
CoIZr` Zdmo_ofU H$m H$daoO Ho$ {bE {dVma ^mJmo{bH$ gr_mAmo go AmJo {H$`m J`m h Hw$N> H$da A~ {dd-^a _| Vm{dV {H$`o Om aho h&
AZoH$ ~r_mH$Vm EH$ A{V[a$ / dH$pnH$ bm^ Ho$ $n _| AnZo CnmXm| _| gnyU dm` (dobZog) H$m`H$_ AWdm _y` d{YV (d`y EoSo>S>)
godm ^r CnbY H$am aho h& O~{H$ {d{^ ~r_mH$VmAm| Ho$ nmg {d{^ A{^H$n h, mW{_H$ Co` AnZo dm` H$mo gwYmaZo Ho$ {bE ~r_mH$V
`{$ H$s g{bVm Ama gh^m{JVm H$mo ~T>mZm h Vm{H$ b~r Ad{Y _| Xmdo Ho$ {dVma Ama VrdVm H$mo H$_ {H$`m Om gHo$& gnyU dm` Ho$ bm^m|
_| {Z`{_V {O_ J{V{d{Y, AmZbmBZ dm` Omo{I_ {ZYmaU, {ZdmaH$ Omo{I_ {ZYmaU Am{X Ogo gnyU dm` H$m`H$bmn H$aZo Ho$ {bE F$U
(Ho${S>Q>) em{_b {H$`m Om gH$Vm h& Xmdm g~Yr AZw^d H$m {dMma {H$`o {~Zm {ZdmaH$ dm` ajm, CXmhaU Ho$ {bE dm` H$s {ZewH$
OmM Am_ Vma na Vm{dV {H$`m OmZodmbm bm^ ~Z ahm h& gnyU dm` g~Yr Hw$N> A` bm^m| _| 12 df VH$ H$s Am`w Ho$ ~m| Ho$ {bE
Q>rH$mH$aU, ~r_mar / {MaH$m{bH$ pW{V ~Y godmE Am{X em{_b h&
ZdrZV_ {d{Z`m_H$ nhb| (AmBAmaS>rEAmB dm` godm {d{Z`_, 2016 _| Kmo{fV) Zdmo_ofU H$mo gwgm` ~ZmVr h& C$ {d{Z`_ nm{bgrYmaH$m|
Ho$ {hV H$mo `mZ _| aIVo hE gnyU dm` Ama {ZdmaH$ nhbwAm| Ho$ {bE EH$ $naoIm VwV H$aVo h& BZH$m gnyaU Hw$N> {Xem{ZX}em| go {H$`m
J`m h Omo dm` ~r_m _| _mZH$sH$aU {Xem{ZX}e, 2016 H$m ^mJ ~ZVo h& m`mo{JH$ CnmX H$s gH$nZm H$m ma^ ~r_mH$VmAm| Ho$ {bE CnmX
Ho$ gr{_V OrdZ Ho$ ~mao _| nm{bgrYmaH$ Ho$ {V nmaXeu ahVo hE ^r Zdmo_ofU Ho$ {bE AnZr Amoa go `mg H$aZo Ho$ {bE JwOmBe XmZ H$aVm
h&

44
 dm{fH$ [anmoQ> 2015-16

gmaUr I.51
{nN>bo nmM dfm] _| dm` ~r_m r{_`_ H$s d{m
(` H$amoS>)
jo 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$mar jo 8015 9580 10841 12882 15591
gmYmaU ~r_mH$Vm (61%) (62%) (62%) (64%) (64%)
{ZOr jo 3445 4205 4482 4386 4911
gmYmaU ~r_mH$Vm (27%) (27%) (26%) (22%) (20%)
Q>S>-AbmoZ dm` ~r_mH$Vm 1609 1668 2172 2828 3946
(12%) (11%) (12%) (14%) (16%)
CmoJ Hw$b 13,069 15,453 17,495 20,096 24,448
dm{fH$ d{ Xa (% _|) 18.5% 18.2% 13.2% 14.9% 21.7%
{Q>nUr: H$mo>H$ _| AmH$So> Hw$b dm` ~r_m r{_`_ _| ~mOma Ae XemVo h&

CoIZr` d{ gy{MV H$s h, Omo 2011-12 Ho$ 37 {VeV go

MmQ> I.19 dm` ~r_m r{_`_ H$s d{m
~T>H$a 2015-16 _| 42 {VeV hmo J`m h& Xygar Amoa, Hw$b dm`
~r_m r{_`_ _| gaH$ma mam m`mo{OV dm` ~r_m `dgm` H$m
Ae 2011-12 Ho$ 17 {VeV go KQ>H$a 2015-16 _| 10 {VeV
ah J`m h& Bgr Ad{Y _| gm_y{hH$ dm` ~r_m `dgm` (gaH$mar
`dgm` H$mo N>moS>H$a A`) H$m Ae bJ^J 46 {VeV na pWa
ahm h& Bg pW{V Ho$ hmoVo hE, `h XoIm Om gH$Vm h {H$ O~{H$
gm_y{hH$ `dgm` pWa ahm h, dht gaH$mar `dgm` H$m Ae H$_
hmo ahm h&

gaH$mar `dgm` go gJhrV r{_`_ H$s dmV{dH$ am{e Ho$ Vma na

{nN>bo nmM dfm] _| H$moB CoIZr` d{ Zht h& VWm{n, XmoZm|
d`{$H$ Ama gm_y{hH$ `dgm` (gaH$mar H$mo N>moS>H$a A`) go
gJhrV r{_`_ H$s am{e Bgr Ad{Y _| XwJwZr go A{YH$ hmo JB h&
dm` ~r_m `dgm` H$m dJuH$aU

I.4.6.2 dm` ~r_m `dgm` H$mo gaH$ma mam m`mo{OV dm`

~r_m, gm_y{hH$ dm` ~r_m (gaH$ma mam m`mo{OV H$mo N>moS>H$a
A`) Ama d`{$H$ dm` ~r_m Ho$ $n _| dJuH$V {H$`m Om
gH$Vm h& `dgm` Ho$ BZ VrZm| dJm] _| d`{$H$ dm` ~r_m Zo
{nN>bo nmM dfm] _| Hw$b dm` ~r_m r{_`_ _| AnZo Ae _|

45
 dm{fH$ [anmoQ> 2015-16

gmaUr I.52
dm` ~r_m r{_`_ H$m dJuH$aU
(` H$amoS>)
`dgm` H$m dJ 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$ma mam m`mo{OV `moOZmE AmaEg~rdmB g{hV 2225 2348 2082 2474 2425
(17%) (15%) (12%) (12%) (10%)
gm_y{hH$ `dgm` (gaH$mar `dgm` H$mo N>moS>H$a A`) 5948 7186 8058 8899 11621
(46%) (47%) (46%) (44%) (48%)
d`{$H$ `dgm` 4896 5919 7355 8772 10353
(37%) (38%) (42%) (44%) (42%)
Hw$b OmoS> 13,069 15,453 17,495 20,096 24,448
{Q>nUr: H$mo>H$ _| AmH$So> Hw$b dm` ~r_m r{_`_ _| `dgm` Ho$ `oH$ dJ H$m Ae XemVo h&

MmQ> I.20 dm` ~r_m `dgm` H$m dJuH$aU

(gH$b r{_`_ Ho$ Vma na)

46
 dm{fH$ [anmoQ> 2015-16

gmaUr I.53
dm` ~r_m Ho$ AVJV gp_{bV `{$`m| H$s g`m
(bmI _|)
`dgm` H$m dJ 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$ma mam m`mo{OV `moOZmE AmaEg~rdmB g{hV 1612 1494 1553 2143 2733
(76%) (72%) (72%) (74%) (76%)
gm_y{hH$ (gaH$mar `dgm` H$mo N>moS>H$a A`) 300 343 337 483 570
(14%) (17%) (15%) (17%) (16%)
d`{$H$ `dgm` 206 236 272 254 287
(10%) (11%) (13%) (9%) (8%)
Hw$b OmoS> 2118 2073 2162 2880 3590
{Q>nUr: H$mo>H$ _| AmH$So> gp_{bV `{$`m| H$s Hw$b g`m _| `dgm` Ho$ `oH$ dJ H$m Ae XemVo h&

MmQ> I.21 gp_{bV `{$`m| H$s g`m

`dgm` Ho$ {d{^ dJm] H$m Ae

47
 dm{fH$ [anmoQ> 2015-16

gmaUr I.54
`dgm` H$m dJ-dma {Zdb CnJV Xmdm AZwnmV
({VeV%)
`dgm` H$m dJ 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$ma mam m`mo{OV `moOZmE AmaEg~rdmB g{hV 90% 87% 93% 108% 109%
gm_y{hH$ (gaH$mar `dgm` H$mo N>moS>H$a A`) 100% 104% 110% 116% 120%
d`{$H$ `dgm` 85% 83% 83% 81% 77%
Hw$b `moJ 94% 94% 97% 101% 102%

dm` ~r_m `dgm` Ho$ AVJV Omar H$s JB nm{b{g`m| H$s

g`m Ama gp_{bV `{$`m| H$s g`m
MmQ> I.22 dm` ~r_m `dgm` H$m
{Zdb CnJV Xmdm AZwnmV
I.4.6.3 2015-16 Ho$ XmamZ gmYmaU Ama dm` ~r_m H$n{Z`m|
Zo 35.90 H$amoS> `{$`m| H$mo g_m{d> H$aVo hE bJ^J 1.18 H$amoS>
dm` ~r_m nm{b{g`m Omar H$s h (2014-15 : 28.8 H$amoS>)
VWm {nN>bo df gp_{bV {H$`o J`o `{$`m| H$s g`m _| 24.65
{VeV H$s d{ XO H$s h& dm` ~r_m Ho$ AVJV gp_{bV
`{$`m| H$s g`m Ho$ Vma na VrZ-MmWmB ^mJ Ho$ `{$`m| H$mo
gaH$ma mam m`mo{OV dm` ~r_m `moOZmAm| _| em{_b {H$`m J`m
VWm eof EH$-MmWmB {hgo Ho$ `{$`m| H$mo gmYmaU Ama dm`
~r_mH$VmAm| mam Omar H$s JB gm_y{hH$ Ama d`{$H$ nm{b{g`m|
mam g_m{d> {H$`m J`m&

{Zdb CnJV Xmdm AZwnmV H$s d{m

I.4.6.4 {Zdb CnJV Xmdm AZwnmV ({Zdb AmBgrAma) _| d{

H$s d{m 2015-16 _| Omar ahr& {Zdb AmBgrAma 2011-12
Ama 2012-13 Ho$ {bE 94 {VeV Wm VWm 2013-14 _| 97
{VeV, 2014-15 _| 101 {VeV Ama 2015-16 _| 102%
Wm&
dm` ~r_m `dgm` Ho$ {d{^ dJm] Ho$ ~rM {Zdb AmBgrAma
{deof $n go gm_y{hH$ `dgm` (gaH$mar go BVa) Ho$ {bE C h,
Omo {nN>bo nmM dfm] _| `oH$ df Ho$ {bE 100 {VeV go A{YH$
Wm Ama Bg Ad{Y _| gwgJV $n _| ~T>Vm ahm h& Xygar Amoa,
d`{$H$ `dgm` H$m {Zdb AmBgrAma H${_H$ {JamdQ> Xem ahm h

gmaUr: I.55
dm` ~r_mH$VmAm| H$m jo-dma {Zdb CnJV Xmdm AZwnmV
jo 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$mar jo gmYmaU ~r_mH$Vm 101% 103% 106% 112% 117%
{ZOr jo gmYmaU ~r_mH$Vm 78% 78% 87% 84% 81%
Q>S>AbmoZ dm` ~r_mH$Vm 60% 61% 67% 63% 58%
CmoJ H$m AmgV 93% 95% 97% 101% 102%

48
 dm{fH$ [anmoQ> 2015-16

gmaUr I.56 : d`{$H$ XwKQ>Zm ~r_m `dgm` Ho$ AVJV

gp_{bV `{$`m| H$s g`m
(bmI _|)
jo 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$mar jo gmYmaU ~r_mH$Vm 1578 1265 753 764 3609
{ZOr jo gmYmaU ~r_mH$Vm 456 698 972 2437 826
Q>S>-AbmoZ dm` ~r_mH$Vm 18 21 21 30 38
Hw$b CmoJ 2052 1984 1746 3231 4473

gmaUr I.57
jo-dma d`{$H$ XwKQ>Zm ~r_m r{_`_
(` H$amoS>)
2011-12 2012-13 2013-14 2014-15 2015-16
gaH$mar jo gmYmaU ~r_mH$Vm 682 650 614 708 879
(49%) (41%) (36%) (33%) (34%)
{ZOr jo gmYmaU ~r_mH$Vm 672 919 1,060 1351 1561
(49%) (57%) (61%) (63%) (60%)
Q>S>-AbmoZ dm` ~r_mH$Vm 34 40 55 94 170
(2%) (2%) (3%) (4%) (6%)
Hw$b OmoS> 1,388 1,609 1,729 2,153 2,610
{Q>nUr H$mo>H$ _| AmH$So> Hw$b r{_`_ _| {d{^ jom| H$m Ae XemVo h&

Omo 2011-12 Ho$ 85 {VeV go 2015-16 _| 77 {VeV VH$
H$_ hmo J`m h& gaH$mar `dgm` Ho$ g~Y _| {Zdb AmBgrAma _|
CoIZr` d{ h `m|{H$ 2011-12 Ho$ XmamZ {d_mZ 90 {VeV
go 2015-16 _| 109 {VeV VH$ Bg_| C{V hB h&
Cn`w$ gmaUr go h_ XoI gH$Vo h {H$ gaH$mar jo Ho$ gmYmaU
~r_mH$VmAm| H$m {Zdb AmBgrAma {nN>bo g^r nmM dfm] Ho$ {bE
100 {VeV go A{YH$ Wm& BgHo$ gmW hr, {nN>bo Xmo dfm] _| Vrd
d{ h& Xygar Amoa, {dbofUmYrZ Ad{Y Ho$ XmamZ {ZOr jo Ho$
gmYmaU ~r_mH$VmAm| Ama Q>S>-AbmoZ dm` ~r_mH$VmAm| H$m
{Zdb AmBgrAma H$_e 80 {VeV Ama 60 {VeV Ho$ Xm`ao _|
h&
d`{$H$ XwKQ>Zm `dgm`
I.4.6.5 2015-16 Ho$ XmamZ ~r_m CmoJ Zo d`{$H$ XwKQ>Zm
~r_m Ho$ AVJV Hw$b 44.73 H$amoS> `{$`m| H$mo gp_{bV {H$`m
h& Bg_o `y B{S>`m E`wa|g H$nZr {b. mam YmZ _r OZ-YZ
`moOZm (nrE_OoS>rdmB) Ho$ AVJV gp_{bV {H$`o J`o 25.75 H$amoS >
`{$ em{_b h&
{dmr` df 2015-16 Ho$ XmamZ d`{$H$ XwKQ>Zm ~r_m `dgm` go
gH$b r{_`_ Am` `2610 H$amoS> Wr, Omo {nN>bo df H$s VwbZm _|
21 {VeV H$s Xa go d{ XemVr h& O~{H$ {ZOr jo Ho$ gmYmaU
~r_mH$VmAm| Zo Hw$b r{_`_ Ho$ 60 {VeV H$m AeXmZ {H$`m h,
dht gaH$mar jo Ho$ gmYmaU ~r_mH$VmAm| Zo r{_`_ Ho$ 34 {VeV
H$m AeXmZ {H$`m h VWm eof 6 {VeV H$m AeXmZ Q>S>-AbmoZ
dm` ~r_mH$VmAm| mam {H$`m J`m h& `dgm` H$s Bg `dWm
Ho$ {bE AmBgrAma {dmr` df 2015-16 Ho$ {bE 62.24 {VeV
Wm&
{dXoe `mm ~r_m
I.4.6.6 2015-16 Ho$ XmamZ ~r_m jo Zo 39.29 bmI `{$`m|
H$mo ~r_majm XmZ H$aVo hE 22.39 bmI {dXoe `mm ~r_m
nm{b{g`m Omar H$s h& {dmr` df 2015-16 Ho$ {bE {dXoe `mm

49
 dm{fH$ [anmoQ> 2015-16

gmaUr I.58
jo dma {dXoe `mm ~r_m r{_`_
(` H$amoS>)
jo 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$mar jo gmYmaU ~r_mH$Vm 30 43 46 41 32
(9%) (11%) (10%) (9%) (6%)
{ZOr jo gmYmaU ~r_mH$Vm 295 325 393 403 467
(86%) (84%) (86%) (86%) (87%)
Q>S>-AbmoZ dm` ~r_mH$Vm 17 19 18 21 37
(5%) (5%) (4%) (5%) (7%)
Hw$b OmoS> 342 387 457 465 536
{Q>nUr: H$mo>H$ _| AmH$So> Hw$b r{_`_ _| {d{^ jom| H$m Ae XemVo h&
VwbZm _| 35.77 {VeV H$s d{ XO H$s& O~{H$ H$moB ^r Q>S>-
~r_m `dgm` go gH$b r{_`_ Am` `536 H$amoS> Wr& {nN>bo AbmoZ ~r_mH$Vm Xoer `mm ~r_m nm{b{g`m Zht ~oMVm, `dgm`
{dmr` df 2014-15 Ho$ XmamZ `h 465 H$amoS> n`o Wr& `dgm` H$s `h `dWm Ho$db N>h {ZOr gmYmaU ~r_mH$VmAm| Ama gaH$mar
H$s Bg `dWm Ho$ {bE CnJV Xmdm AZwnmV (AmBgrAma) {dmr` jo Ho$ EH$ ~r_H$Vm AWm ZoeZb B`moa|g H$nZr mam Cn H$s
df 2015-16 Ho$ {bE 54.1 {VeV Wm& JB h& Xmo {ZOr ~r_mH$VmAm| AWm AmBgrAmBgrAmB bmo~mS>
`dgm` H$s Bg `dWm _| {ZOr gmYmaU ~r_mH$Vm _wI {IbmS>r Ama Q>mQ>m EAmBOr `dgm` H$s Bg `dWm _| H$_e 64 {VeV
h, {OZH$m ~mOma Ae gH$b r{_`_ _| 87 {VeV ahm h& Hw$b Ama 32 {VeV na ~S>m ~mOma Ae Ym[aV H$aVo h& 2015-16 Ho$
gH$b r{_`_ _| gaH$mar jo Ho$ gmYmaU ~r_mH$VmAm| Ama Q>S> XmamZ CmoJ Zo 22.57 bmI `{$`m| H$mo ~r_majm XmZ H$aVo hE
AbmoZ dm` ~r_mH$VmAm| Zo H$_e 6% Ama 7% Ho$ Ae H$m 21.08 bmI ~r_m nm{b{g`m Omar H$s h& `dgm` H$s Bg `dWm
`moJXmZ {H$`m& {ZOr gmYmaU ~r_mH$VmAm| _| VrZ H$n{Z`m| AWm Ho$ {bE AmBgrAma {dmr` df 2015-16 Ho$ {bE 2.14 {VeV
Q>mQ>m EAmBOr (29 {VeV ~mOma Ae), ~OmO Abm`O (21 Wm&
{VeV) Ama AmBgrAmBgrAmB bmo~mS> (15 {VeV) Zo Hw$b dm` ~r_m `dgm` H$m am`-dma {dVaU
gH$b r{_`_ Ho$ Xmo-{VhmB {hgo H$m AeXmZ {H$`m&
I.4.6.8 dm` ~r_m `dgm` Ho$ am`-dma {dVaU Zo ^maV Ho$
Xoer `mm ~r_m {d{^ am`m| Ama gK-am` jom| _| dm` ~r_m `dgm` H$m
I.4.6.7 Xoer `mm ~r_m `dgm` go gH$b r{_`_ Am` 2015- EH$ A{YH$ {df_ {dVaU Xem`m h& O~{H$ nmM am`m| AWm
16 Ho$ XmamZ `21.80 H$amoS> Wr, {OgZo {nN>bo df 2014-15 H$s _hmam>, V{_bZmSw>, H$ZmQ>H$, {Xr `yQ>r Ama JwOamV Zo Hw$b dm`

gmaUr I.59
jo-dma Xoer `mm ~r_m gH$b r{_`_
(` H$amoS>)
jo 2011-12 2012-13 2013-14 2014-15 2015-16
gaH$mar jo gmYmaU ~r_mH$Vm 0.03 0.04 0.03 0.01 0.002
{ZOr jo gmYmaU ~r_mH$Vm 14.22 15.43 12.32 16.05 21.80
Q>S>-AbmoZ dm` ~r_mH$Vm 0.0 0.0 0.0 0.0 0.00
Hw$b OmoS> 14.25 15.47 12.35 16.06 21.80

50
 dm{fH$ [anmoQ> 2015-16

gmaUr I.60
2015-16 Ho$ {bE dm` ~r_m r{_`_ _| erfW 5 am`m| H$m Ae
am` /g.am.jo gm_y{hH$ `dgm` gaH$mar `dgm` d`{$H$ Hw$b dm`
(AmaEg~rdmB (Ho$db AmaEg~rdmB `dgm` ~r_m `dgm`
Ama gaH$ma m`mo{OV Ama A` gaH$ma
`moOZmAm| H$mo N>moS>H$a) m`mo{OV `moOZmE)
am{e A{Ib am{e A{Ib am{e A{Ib am{e A{Ib
` H$amoS> _| ^maVr` ` H$amoS> _| ^maVr` ` H$amoS> _| ^maVr` ` H$amoS> _| ^maVr`
r{_`_ _| r{_`_ _| r{_`_ _| r{_`_ _|
Ae H$m % Ae H$m % Ae H$m % Ae H$m %
_hmam> 4251 37% 756 31% 2708 26% 7715 32%
V{_bZmSw> 1694 15% 555 22% 859 8% 3107 13%
H$ZmQ>H$ 2064 18% 44 2% 587 6% 2695 11%
{Xr 915 8% 0 0% 1061 10% 1976 8%
JwOamV 149 1% 35 1% 1276 12% 1461 6%
eof ^maV 2548 21% 1084 44% 3862 38% 7494 30%
A{Ib ^maV Hw$b 11621 100% 2474 100% 10353 100% 24448 100%
{Q>nUr : am`m| H$m WmZ-{ZYmaU Hw$b dm` ~r_m r{_`_ Ho$ AmYma na {H$`m J`m h&

dm` ~r_m r{_`_ H$m _m`_-dma {dVaU

MmQ> I.23 dm` ~r_m r{_`_ _| am`m| H$m Ae
{dmr` df 2015-16 I.4.6.9 {dVaU Ho$ {d{^ _m`_m| Ho$ ~rM d`{$H$ EO|Q> 33
{VeV na bJmVma Hw$b dm` ~r_m r{_`_ Ho$ EH$ ~So> Ae H$m
`moJXmZ H$aVo h& d`{$H$ dm` ~r_m r{_`_ _ CZH$m Ae 70
{VeV na A^r ^r CVa h&

"`j {dH$` AmZbmBZ H$mo N>mSo >H$a A`" dm` ~r_m `dgm`
Ho$ {dVaU Ho$ {bE Xygam _wI _m`_ h& Bg _m`_ Zo Hw$b
dm` ~r_m r{_`_ _| 28 {VeV H$m AeXmZ {H$`m h& gm_y{hH$
dm` ~r_m r{_`_ _| Bg _m`_ H$m Ae 43 {VeV na ~hV
A{YH$ h&

~r_m r{_`_ Ho$ 69 {VeV H$m AeXmZ {H$`m, dht eof 31
am`m| / gK-am` jom| Zo Hw$b dm` ~r_m r{_`_ Ho$ 31 {VeV
H$m AeXmZ {H$`m& AHo$bo _hmam> am` Zo hr Hw$b dm` ~r_m
r{_`_ Ho$ `7715 H$amoS> (32 {VeV) H$m AeXmZ {H$`m& Xygar
Amoa, Cma-nydu ^maV ({g{$_ am` g{hV) Ho$ 8 ghmoXa am`m| go
dm` ~r_m r{_`_ 2015-16 Ho$ {bE Ho$db `195 H$amoS>
(0.80 {VeV) hr Wm&
dm` ~r_m `dgm` Ho$ {dVaU Ho$ {bE EH$ Ama _hdnyU _m`_
Xbmb h, {Ohm|Zo Hw$b dm` ~r_m r{_`_ Ho$ 24 {VeV H$m
AeXmZ {H$`m h& `hm ^r, gm_y{hH$ dm` ~r_m r{_`_ _|
Xbmbm| H$m Ae 39 {VeV na A{YH$ h&
~Ho$`wa|g Zo Hw$b dm` ~r_m r{_`_ Ho$ 7 {VeV H$m AeXmZ
{H$`m VWm dm` ~r_m nm{b{g`m| Ho$ AmZbmBZ {dH$` Zo Hw$b
dm` ~r_m r{_`_ Ho$ 2 {VeV H$m AeXmZ {H$`m&
51
 dm{fH$ [anmoQ> 2015-16

gmaUr I.61
{dVaU Ho$ {d{^ _m`_m| H$m Ae {dmr` df 2015-16 Ho$ {bE
Omar H$s JB nm{b{g`m| H$s g`m Ama r{_`_ H$s am{e
_m`_ H$m Zm_ d`{$H$ `dgm` gm_y{hH$ `dgm` Hw$b (d`{$H$ + gm_y{hH$)
Omar H$s JB gH$b Omar H$s JB gH$b Omar H$s JB gH$b
nm{b{g`m| H$s g. r{_`_ nm{b{g`m| H$s g. r{_`_ nm{b{g`m| H$s g. r{_`_
Xbmb 4% 4% 7% 39% 4% 24%
H$manmoaoQ> EO|Q> ~H$ 13% 11% 44% 4% 14% 7%
H$manmoaoQ> EO|Q> ~H$m| H$mo N>moS>H$a A` 3% 5% 11% 1% 3% 2%
`j {dH$` AmZbmBZ 2% 2% 2% 2% 2% 2%
`j {dH$` - AmZbmBZ H$mo N>mSo >H$a A` 10% 8% 3% 43% 9% 28%
d`{$H$ EO|Q> 69% 70% 33% 6% 68% 33%
gy_-~r_m EO|Q> 0.02% 0.00% 0.04% 0.00% 0.02% 0.00%
do~-gJmhH$ 0.21% 0.23% 0.00% 0.00% 0.20% 0.10%
A` 0.01% 0.15% 0.03% 4.78% 0.01% 2.82%
g^r _m`_m| H$m Hw$b OmoS> 100% 100% 100% 100% 100% 100%

2015-16 Ho$ XmamZ dm` ~r_m Xmdm {dH$mg

gmaUr I.62
A` nj ~YH$m| (Q>rnrE) Ho$ _m`_ go g^mbo J`o Xmdo
(g`mE dmV{dH$)(am{e ` bmI _|)
{ddaU ZH$Xr a{hV {Vny{V bm^ AmYm[aV Hw$b
g`m am{e g`m am{e g`m am{e g`m am{e
Ad{Y Ho$ ma^
_| b{~V Xmdo 2,26,249 61,678 1,34,950 81,439 197 38 3,61,396 1,43,155

Ad{Y Ho$ XmamZ

nOrH$V Z`o Xmdo 35,31,858 10,46,203 30,76,073 9,98,477 1,416 418 66,09,347 20,45,098

Ad{Y Ho$ XmamZ

{ZnQ>m`o J`o Xmdo 32,25,958 8,33,360 26,21,230 7,74,190 915 307 58,48,103 16,07,857

Ad{Y Ho$ XmamZ

{ZamH$V Xmdo 2,30,002 1,13,816 4,13,060 1,77,451 591 122 6,43,653 2,91,390

df Ho$ AV _|
b{~V Xmdo 3,02,147 88,995 1,76,733 84,113 107 26 4,78,987 1,73,135

52
 dm{fH$ [anmoQ> 2015-16

gmaUr I.63
~r_mH$VmAm| mam grYo g^mbo J`o Xmdo
(g`mE dmV{dH$)(am{e ` bmI _|)
{ddaU ZH$Xr a{hV {Vny{V bm^ AmYm[aV Hw$b
g`m am{e g`m am{e g`m am{e g`m am{e
Ad{Y Ho$ ma^ _|
b{~V Xmdo 1,36,067 18,256 67,942 42,290 2,050 5,058 2,06,059 65,604

Ad{Y Ho$ XmamZ

nOrH$V Z`o Xmdo 16,62,818 3,14,607 9,10,272 3,83,734 32,114 18,275 26,05,550 7,16,616

Ad{Y Ho$ XmamZ

{ZnQ>m`o J`o Xmdo 14,54,499 2,37,721 7,07,372 3,23,698 24,559 6,615 21,86,608 5,68,033

Ad{Y Ho$ XmamZ

{ZamH$V Xmdo 1,63,951 53,381 2,26,321 79,947 5,389 9,861 3,95,696 1,43,189

df Ho$ AV _|
b{~V Xmdo 1,80,435 25,647 44,521 43,863 4,216 6,886 2,29,303 76,397

gmaUr I.64
XmoZm| A` nj ~YH$m| (Q>rnrE) mam Ama AmV[aH$ $n go g^mbo J`o Xmdo
(g`mE dmV{dH$)(am{e ` bmI _|)
{ddaU ZH$Xr a{hV {Vny{V bm^ AmYm[aV Hw$b
g`m am{e g`m am{e g`m am{e g`m am{e
Ad{Y Ho$ ma^ _|
b{~V Xmdo 362316 79934 202892 123729 2247 5096 567455 208759

Ad{Y Ho$ XmamZ

nOrH$V Z`o Xmdo 5194676 1360811 3986345 1382211 33530 18693 9214897 2761715

Ad{Y Ho$ XmamZ

{ZnQ>m`o J`o Xmdo 4680457 1071080 3328602 1097888 25474 6922 8034711 2175890

Ad{Y Ho$ XmamZ

{ZamH$V Xmdo 393953 167197 639381 257398 5980 9983 1039349 434579

df Ho$ AV _|
b{~V Xmdo 482582 114643 221254 127977 4323 6912 708290 249532

53
 dm{fH$ [anmoQ> 2015-16

Xmdm| H$s Ad{Y H$m {ddaU Xmdm| H$m {ZnQ>mZ 2015-16

gmaUr I.65
Q>rnrE Ho$ _m`_ go g^mbo J`o Xmdm| H$m {ddaU
(g`m dmV{dH$)(am{e ` bmI _|)
{b`m J`m g_` ZH$Xr a{hV {Vny{V bm^ AmYm[aV Hw$b
g`m am{e g`m am{e g`m am{e g`m am{e
1 _hrZm 27,05,759 6,62,435 20,21,775 5,19,587 597 125 47,28,131 11,82,147
1 go 3 _hrZo 4,35,985 1,49,349 4,04,534 1,77,382 201 82 8,40,720 3,26,814
3 go 6 _hrZo 67,117 16,943 1,39,397 49,196 57 31 2,06,571 66,170
6 go 12 _hrZo 14,567 3,255 46,934 16,445 38 40 61,539 19,740
1 go 2 df 2,096 632 6,734 10,514 15 22 8,845 11,168
2 df 434 746 1,856 1,066 7 7 2,297 1,818
Hw$b 32,25,958 8,33,360 26,21,230 7,74,190 915 307 58,48,103 16,07,857

gmaUr I.66
~r_mH$VmAm| mam AmV[aH$ $n go g^mbo J`o Xmdo
(g`m dmV{dH$)(am{e ` bmI _|)
{b`m J`m g_` ZH$Xr a{hV {Vny{V bm^ AmYm[aV Hw$b
g`m am{e g`m am{e g`m am{e g`m am{e
1 _hrZm 14,14,423 2,30,873 5,96,769 2,62,387 23,625 5,236 20,34,997 4,98,495
1 go 3 _hrZo 29,142 5,415 66,504 31,735 752 1,131 96,398 38,281
3 go 6 _hrZo 699 883 35,206 17,116 126 216 36,031 18,214
6 go 12 _hrZo 10,166 347 5,587 6,021 35 27 15,786 6,396
1 go 2 df 36 191 1,867 5,529 8 1 1,911 5,721
2 df 33 11 1,439 911 12 5 1,484 926
Hw$b 14,54,499 2,37,721 7,07,372 3,23,698 24,559 6,615 21,86,608 5,68,033

gmaUr I.67
XmoZm| Q>rnrE mam Ama AmV[aH$ $n go g^mbo J`o Xmdo
(g`m dmV{dH$)(am{e ` bmI _|)
{b`m J`m g_` ZH$Xr a{hV {Vny{V bm^ AmYm[aV Hw$b
g`m am{e g`m am{e g`m am{e g`m am{e
1 _hrZm 4120182 893308 2618544 781973 24222 5361 6763128 1680642
1 go 3 _hrZo 465127 154765 471038 209117 953 1213 937118 365095
3 go 6 _hrZo 67816 17826 174603 66311 183 247 242602 84384
6 go 12 _hrZo 24733 3602 52521 22466 73 67 77325 26136
1 go 2 df 2132 823 8601 16043 23 23 10756 16889
2 df 467 756 3295 1976 19 11 3781 2744
Hw$b 4680457 1071080 3328602 1097888 25474 6922 8034711 2175891

54
 dm{fH$ [anmoQ> 2015-16

MmQ>: I.24 dm` ~r_m r{_`_ gmaUr I.68

31 _mM 2016 H$mo {d_mZ Q>rnrE H$s gyMr
_| {d{^ _m`_m| H$m AeXmZ
H$_ g. Q>rnrE H$m Zm_
1 `wZmBQo>S> hoWHo$Aa nmaoI Q>rnrE m. {b.
2 _oS>r A{gQ> B{S>`m Q>rnrE m. {b.
3 E_S>r B{S>`m hoWHo$Aa (Q>rnrE) g{dgOo (m.) {b.
4 na_mCQ> hoW g{dgOo ES> B`moag| Q>rnrE m. {b.
5 B _oS>rQo>H$ (Q>rnrE) g{dgOo {b.
6 ho[aQo>O hoW Q>rnrE m. {b.
7 \ $moH$g hoW g{dgOo Q>rnrE m. {b.
8 _oS>rHo$Aa Q>rnrE g{dgOo (AmB) m. {b.
9 \ $ {_br hoW bmZ (Q>rnrE) {b.
10 ajm Q>rnrE m. {b.
11 dmBS>b hoW Q>rnrE mBdoQ> {b{_Qo>S>
12 A`wVm Q>rnrE BZ hoWHo$Aa m. {b.
13 BQ> doQ> A{gQ> Q>rnrE m. {b.
14 _oS> god hoW Ho$Aa Q>rnrE {b.
15 Oo{Zg B{S>`m Q>rnrE {b.
16 Ab{H$V hoW Ho$Aa Q>rnrE {b{_Qo>S>
2015-16 Ho$ XmamZ Xmdm {dH$mg Ama Ad{Y 17 hoW B{S>`m Q>rnrE g{dgOo mBdoQ> {b{_Qo>S>
18 JwS> hoW Q>rnrE g{dgOo {b.
gma{U`m| I.62, I.63 Ama I.64 Ho$ {dbofU go H$s JB {Q>n{U`m 19 {dnwb _oS> H$mn Q>rnrE m. {b.
{ZZmZwgma h :- 20 nmH$ _oS>rbo_ Q>rnrE mBdoQ> {b.
21 go\ $do Q>rnrE g{dgOo m. {b.
{dmr` df 2015-16 Ho$ XmamZ gmYmaU ~r_m Ama Q>S> 22 AZ_mob _oS>rHo$Aa Q>rnrE {b.
23 So>{S>H$o Qo>S> hoWHo$Aa g{dgOo Q>rnrE (B{S>`m) mBdoQ> {b{_Qo>S>
AbmoZ dm` ~r_m H$n{Z`m| Zo 80.35 bmI dm` ~r_m 24 J S> hoW Ho$Aa Q>rnrE g{dgOo mBdoQ> {b{_Qo>S>
Xmdm| H$m {ZnQ>mZ {H$`m h VWm Xmdm| Ho$ {V `21,759 H$amoS> 25 amoWerS> hoWHo$Aa (Q>rnrE) g{dgOo {b{_Qo>S>
H$m ^wJVmZ {H$`m h& 26 hnr B`moag| Q>rnrE m. {b.
27 E[agZ B`moag| Q>rnrE m. {b.
{ZnQ>m`o J`o Xmdm| H$s g`m Ho$ Vma na 73 {VeV Xmdo 28 hoW B`moag| Q>rnrE Am\ $ B{S>`m {b.
Q>rnrE Ho$ _m`_ go {ZnQ>m`o J`o Ama eof Xmdm| H$m {ZnQ>mZ
AmV[aH$ $n go (BZ-hmCg) {H$`m J`m&
gmaUr I.69
Xmdm| Ho$ {ZnQ>mZ H$s {d{Y Ho$ Vma na Hw$b Xmdm| _| go 58 2015-16 Ho$ XmamZ ZdrH$V
{VeV Xmdm| H$m {ZnQ>mZ ZH$Xr a{hV {d{Y go {H$`m J`m& Q>rnrE nOrH$aUm| H$s gyMr
eof 42 {VeV Xmdo {Vny{V H$s n{V Ho$ mam {H$`m J`m H$_ g. Q>rnrE H$m Zm_
h& 1 JwS> hoW Q>rnrE g{dgoO {b.
2 Oo{Zg B{S>`m Q>rnrE {b.
df Ho$ XmamZ ~r_mH$VmAm| Zo nOrH$V Xmdm| _| go 82.13 3 So>{S>Ho$Qo>S> hoWHo$Aa g{dgoO Q>rnrE m. {b.
{VeV Xmdm| H$m {ZnQ>mZ {H$`m h VWm nOrH$V Xmdm| H$s 4 hoW B{S>`m Q>rnrE g{dgoO mBdoQ> {b{_Qo>S>
g`m Ho$ 10.62 {VeV Xmdm| H$mo {ZamH$V {H$`m h& eof 5 BQ> doQ> A{gQ> Q>rnrE m. {b.
7.25 {VeV Xmdo 31 _mM 2016 H$s pW{V Ho$ AZwgma 6 A`wVm Q>rnrE BZ hoWHo$Aa m. {b.
{ZnQ>mZ Ho$ {bE b{~V Wo& 7 JS> hoWHo$Aa g{dgoO Q>rnrE m. {b.

55
 dm{fH$ [anmoQ> 2015-16

gma{U`m| I.65, I.66 Ama I.67 H$m {dbofU ZrMo {X`m J`m h :- gmaUr I.70 CZ Q>rnrE H$m {ddaU {OZHo$
O~{H$ ~r_mH$VmAm| Zo nOrH$V Xmdm| Ho$ 93 {VeV H$m nOrH$aU _mUn H$m ZdrH$aU
{ZnQ>mZ EH$ _hrZo Ho$ AXa {H$`m h, A` nj ~YH$m| {dmr` df 2015-16 Ho$ XmamZ AdrH$V {H$`m J`m
(Q>rnrE) Zo Bgr Ad{Y _| 81 {VeV Xmdm| H$mo {ZnQ>m`m h& H$_ g. Q>rnrE H$m Zm_
Ho$db 0.18 {VeV _m_bm| _| hr Xmdm| H$m {ZnQ>mZ EH$ df 1 lr JmoHw$b_ hoW g{dgoO Q>rnrE (m.) {b.
go A{YH$ {db~ Ho$ gmW {H$`m J`m& 2 ny{V _oS>rQo>H$ Q>rnrE gmo`yeg m. {b..
I.4.6.10 A` nj ~YH$m| (Q>rnrE) H$s H$m`n{V
_| Xr JB h& 2015-16 Ho$ XmamZ m{YH$aU mam ZdrH$V Q>rnrE
01 Ab 2016 H$s pW{V Ho$ AZwgma AmBAmaS>rEAmB mam nOrH$aUm| H$s gyMr gmaUr g. I.69 _o Xr JB h& m{YH$aU Zo 2
nOrH$V 30 Q>rnrE Wo, O~{H$ 31 _mM 2016 H$s pW{V Ho$ AZwgma Q>rnrE Ho$ ZdrH$aU AmdoXZ AdrH$V {H$`o h Ama CZH$m `moam
28 Q>rnrE Wo& df 2015-16 Ho$ XmamZ {H$gr Z`o Q>rnrE H$mo nOrH$aU gmaUr g. I.70 _| {X`m J`m h& C$ Q>rnrE Zo AnZo ZoQ>dH$m] _| Z`o
_mUn XmZ Zht {H$`m J`m& 31 _mM 2016 H$s pW{V Ho$ AnVmbm| H$mo OmoS>Zo Ho$ mam AnVmbm| Ho$ ZoQ>dH$ H$m {dVma {H$`m
AZwgma m{YH$aU Ho$ nmg nOrH$V Q>rnrE H$s gyMr gmaUr g. I.68 h Ogm {H$ gmaUr g. I.71 _| {d{Z{X> {H$`m J`m h&
gmaUr I.71- {dmr` df 2015-16 Ho$ XmamZ Q>rnrE mam {Z`w$ ZoQ>dH$ XmVm
*
H$_ Q>rnrE H$m Zm_ df Ho$ ma^ _| df Ho$ XmamZ df Ho$ XmamZ df Ho$ AV
g. ZoQ>dH$ _| ZoQ>dH$ _| OmoSo> ZoQ>dH$ go _| ZoQ>dH$ _|
AnVmbm| J`o AnVmbm| hQ> J`o/ AnVmbm|
H$s g`m H$s g`m hQ>m`o J`o H$s
AnVmbm| H$s Hw$b g`m
g`m
1 Ab{H$V hoW Ho$Aa Q>rnrE {b. 4081 0 0 4081
2 AZ_mob _oS>rHo$Aa Q>rnrE {b. 453 0 0 453
3 A`wVm Q>rnrE BZ hoW Ho$Aa m. {b. 210 133 0 343
4 So>{S>Ho$Qo>S> hoWHo$Aa g{dgoO Q>rnrE (B{S>`m) m. {b.. 3524 4294 118 7700
5 B _oS>rQo>H$ (Q>rnrE) g{dgoO {b. 5418 255 154 5519
6 BQ> doQ> A{gQ> Q>rnrE m. {b. 4145 50 39 4156
7 E[agZ Q>rnrE hoWHo$Aa m. {b. 3493 444 1 3936
8 \${_br hoW bmZ (Q>rnrE) {b. 4563 512 420 4655
9 \$moH$g hoW g{dgoO Q>rnrE m. {b. 1599 0 74 1525
10 Oo{Zg B{S>`m Q>rnrE {b. 3842 225 44 4023
11 JwS> hoW Q>rnrE g{dgoO {b. 4687 194 9 4872
12 JS> hoW Ho$Aa Q>rnrE g{dgoO m. {b. 1682 82 0 1764
13 hnr B`moa|g Q>rnrE g{dgoO m. {b. 1327 28 0 1355
14 hoW B{S>`m Q>rnrE m. {b. 4114 267 51 4330
15 ho[aQo>O hoW Q>rnrE m. {b. 4031 1588 402 5217
16 E_S>r B{S>`m hoWHo$Aa g{dgoO (Q>rnrE) m. {b. 9395 1432 1735 9092
17 _oS> god hoW Ho$Aa Q>rnrE {b. 6833 1312 1812 6333
18 _oS>r A{gQ> B{S>`m Q>rnrE m. {b. 5394 541 199 5736
19 _oS>rHo$Aa Q>rnrE g{dgoO (AmB) m. {b. 4396 438 256 4578
20 na_mCQ> hoW g{dgoO (Q>rnrE) m. {b. 10646 1302 252 11696
21 nmH$ _oS>rbo_ Q>rnrE m. {b. 1889 56 9 1936
22 ajm Q>rnrE m. {b. 3367 1203 72 4498
23 amoWerS> hoWHo$Aa (Q>rnrE) g{dgoO {b. 2953 76 0 3029
24 go\$do Q>rnrE g{dgoO m. {b. 4271 215 42 4444
25 dmBS>b hoW Q>rnrE m. {b. 6146 258 73 6331
26 `wZmBQo>S> hoWHo$Aa nmaoI Q>rnrE m. {b. 4050 493 72 4471
27 {dnwb _oS> H$mn Q>rnrE mBdoQ> {b. 7676 1543 143 9076
28 hoW B`moa|g Q>rnrE Am\$ B{S>`m {b. 1411 102 114 1399
* AnVmbm| H$s gh~Vm EH$ go A{YH$ Q>rnrE Ho$ gmW hmo gH$Vr h&

56
 dm{fH$ [anmoQ>
I.4.7 Jm_rU Ama gm_m{OH$ jo _| `dgm`
I.4.7.1 Jm_rU Ama gm_m{OH$ jo Ho$ {V ~r_mH$VmAmo Ho$ Xm{`dm|
Ho$ {bE bmJy {d{Z`_m| ({d{Z`_, 2002) Zo dm{fH$ AmYma na
~r_mH$VmAm| mam nyao {H$`o OmZodmbo b` {ZYm[aV {H$`o h& BZ
{d{Z`_m| Ho$ AZwgma ~r_mH$VmAm| go Ano{jV h {H$ do (i) gm_m{OH$
Xm{`dm| Ho$ AVJV OrdZm| H$s g`m Ho$ Vma na df-dma {ZYm[aV
b`m|; VWm (ii) Jm_rU Xm{`dm| Ho$ AVJV OrdZ Ama Ja-OrdZ
~r_mH$VmAm| mam H$_e Omo{I_-AH$Z H$s OmZodmbr nm{b{g`m|
Ho$ {VeV Ed `j $n go Omo{I_-A{H$V Hw$b gH$b r{_`_
Am` Ho$ {VeV Ho$ Vma na df-dma {ZYm[aV b`m| H$mo nyam H$a|& `o
{d{Z`_ ~r_mH$VmAm| go Anojm H$aVo h {H$ do AnZo n[aMmbZm| Ho$
ma^ Ho$ df Ho$ AmYma na BZ IS>m| _| `dgm` H$m Omo{I_-AH$Z
H$a| VWm bmJy b` `oH$ ~r_mH$Vm Ho$ n[aMmbZm| Ho$ df Ho$ gmW
g~ {H$`o J`o h& BZ Xm{`dm| H$mo nyam H$aZo Ho$ {bE C$ {d{Z`_m|
_| AmJo `h ^r `dWm h {H$ `{X H$moB ~r_m H$nZr AnZo n[aMmbZ
{dmr` df H$s Xygar N>_mhr _| ma^ H$aVr h Ama g~{YV {dmr`
df Ho$ 31 _mM H$s pW{V Ho$ AZwgma N>h _hrZo go H$_ Ad{Y Ho$
{bE n[aMmbZ _| h Vmo (i) Cn`w$ Ad{Y Ho$ {bE H$moB Jm_rU
AWdm gm_m{OH$ b` bmJy Zht hm|Jo; VWm (ii) {d{Z`_m| _| {Z{X>
{H$`o J`o $n _| dm{fH$ Xm{`d AJbo {dmr` df go JUZm _| {b`o
OmEJo Omo AZwnmbZ Ho$ `moOZ Ho$ {bE n[aMmbZm| Ho$ nhbo df Ho$
$n _| _mZm OmEJm& CZ _m_bm| _| Ohm H$moB ~r_m H$nZr {dmr` df
H$s nhbr N>_mhr _| n[aMmbZ ma^ H$aVr h, Vmo nhbo df Ho$ {bE
bmJy Xm{`d BZ {d{Z`_m| _| {d{Z{X> Xm{`dm| H$m 50 {VeV hm|Jo&
Xm{`dm| H$s ny{V OrdZ CmoJ
{nN>bo 5 dfm] Ho$ XmamZ g^r OrdZ ~r_mH$VmAmo (XmoZm| gaH$mar
Ama {ZOr jom| Ho$) Zo Jm_rU jo Ho$ {bE {ZYm[aV Xm{`d nyao {H$`o
h& {dmr` df 2012-13 Ho$ {bE Ho$db EH$ ~r_mH$Vm VWm {dmr`
df 2013-14 Ho$ {bE Xmo ~r_mH$VmAm| Zo gm_m{OH$ jo Ho$ {bE
{ZYm[aV Xm{`dm| H$mo nyam Zht {H$`m h {OZHo$ {d {d{Z`m_H$
H$madmB ma^ H$s JB h&
Jm_rU jo Xm{`d
I.4.7.2 2015-16 Ho$ XmamZ {ZOr jo H$s g^r VoBg OrdZ
~r_m H$n{Z`m| Zo AnZo Jm_rU jo Xm{`dm| H$mo nyam {H$`m Wm& df
2015-16 _| Omo{I_-A{H$V Hw$b nm{b{g`m| Ho$ {VeV Ho$ $n _|
2015-16
Jm_rU jo _| CZHo$ mam Omo{I_-A{H$V nm{b{g`m| H$s g`m CZHo$
{bE bmJy Xm{`dm| Ho$ AZwgma Wr&
I.4.7.3 gaH$mar jo H$m EH$_m ~r_mH$Vm, ^maVr` OrdZ ~r_m
{ZJ_, 2015-16 Ho$ {bE Jm_rU jo _| AnZo Xm{`dm| H$m
AZwnmbZH$Vm ahm&
I.4.7.4 OrdZ ~r_mH$VmAm| Zo Jm_rU jo _| 68.99 bmI
nm{b{g`m| H$m Omo{I_-AH$Z {H$`m AWm 2015-16 _| CZHo$ mam
Omo{I_-A{H$V ZB d`{$H$ nm{b{g`m| (267.08 bmI) Ho$ 25.8
{VeV H$m Omo{I_-AH$Z Jm_rU jo _| {H$`m J`m& EbAmBgr Zo
ZB nm{b{g`m| Ho$ 25.70 {VeV H$m Ed {ZOr ~r_mH$VmAm| Zo
AnZr ZB d`{$H$ nm{b{g`m| Ho$ 26.3 {VeV H$m Omo{I_-AH$Z
Jm_rU jo _| {H$`m&
gm_m{OH$ jo Xm{`d
I.4.7.5 2015-16 Ho$ XmamZ g^r 23 {ZOr OrdZ ~r_mH$VmAm|
Zo AnZo gm_m{OH$ jo Xm{`dm| H$mo nyam {H$`m Wm& gm_m{OH$ jo _|
CZHo$ mam ~r_majm XmZ {H$`o J`o OrdZm| H$s g`m AmBAmaS>rE
(Jm_rU Ama gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d)
{d{Z`_ 2002 _| {ZYm[aV eVm] go A{YH$ Wr&
I.4.7.6 EbAmBgr 2015-16 Ho$ {bE Xm{`dm| Ho$ $n _| {ZYm[aV
g`m go A{YH$ g`m _| OrdZm| (226.04 bmI) H$mo ~r_majm
XmZ H$aVo hE AnZo gm_m{OH$ jo Xm{`dm| H$m AZwnmbZH$Vm
ahm& {ZOr OrdZ ~r_mH$VmAm| Zo 111.13 bmI gm_m{OH$ OrdZm|
H$mo ~r_majm XmZ H$s Wr&
Ja-OrdZ ~r_mH$VmAm| Ho$ Xm{`d
I.4.7.7 g^r gaH$mar Ama {ZOr jo Ho$ ~r_mVmAm| Zo df
2015-16 Ho$ {bE Jm_rU Ama gm_m{OH$ jo Xm{`dm| H$m AZwnmbZ
{H$`m&
I.4.7.8 Q>S>-AbmoZ dm` ~r_mH$VmAm| Ho$ Jm_rU Ama
gm_m{OH$ jo Xm{`d
g^r nmM Q>S> AbmoZ dm` ~r_m H$n{Z`m| Zo {dmr` df 2015-
16 Ho$ XmamZ AnZo Jm_rU Ama gm_m{OH$ jo Xm{`dm| H$m AZwnmbZ
{H$`m&
57
 dm{fH$ [anmoQ> 2015-16

gmaUr I.72 {dmr` df 2015-16 Ho$ XmamZ Jm_rU Ama gm_m{OH$ jo Xm{`dm| _|
Q>S>-AbmoZ dm` ~r_mH$VmAm| Ho$ AZwnmbZ H$m {ddaU
~r_mH$Vm nyao {H$`o J`o dfm] Jm_rU jo Xm{`d gm_m{OH$ jo Xm{`d
H$s g`m (OrS>rnr H$m % ) (OrdZm| H$s g`m)
b` CnbpY nmbZ b` CnbpY nmbZ
{H$`m (hm/Zht) {H$`m (hm/Zht)
Anmobmo `y{ZI 8 6% 6.30% hm 35,000 37,392 hm
{gJZm Q>rQ>rHo$ 2 3% 6.44% hm 7,500 8,463 hm
_g ~ynm 6 5% 6.36% hm 25,000 197,186 hm
ao{bJoa 4 5% 5.52% hm 15,000 86,265 hm
Q>ma hoW 10 7% 12% hm 55,000 1,240,551 hm

gmaUr : I.73 Ja-OrdZ ~r_mH$Vm ( Q>S>AbmoZ Ama {deofrH$V ~r_mH$VmAm| H$mo N>moS>H$a)
31.03.2016 H$s pW{V Ho$ AZwgma Jm_rU AWdm gm_m{OH$ jo `dgm`
~r_mH$Vm Jm_rU jo (gH$b `j r{_`_) gm_m{OH$ jo ( OrdZm| H$s g`m)
b` (%) Hw$b OrS>rnr Jm_rU jo _| CnbpY 2015-16 CnbpY
2015-16 ( ` bmI) OrS>rnr (` bmI) ( %) (b`)
am`b gwXa_ 7.00 169412 13403 7.91 55000 109481
Q>mQ>m EAmBOr 7.00 295856 39059 13.20 55000 1667299
[abm`g 7.00 279156 27118 9.71 55000 282212
BH$mo Q>mo{H$`mo 7.00 369133 41042 11.12 55000 3423261
AmBgrAmBgrAmB bmo~mS> 7.00 809071 72907 9.01 55000 233707
~OmO Abm`O 7.00 583215 43129 7.40 55000 557701
EMS>rE\$gr EaJmo 7.00 337955 29733 8.80 55000 78790
Mmobm_S>b_ 7.00 245200 30980 12.63 55000 701949
`yMa OZambr 6.00 158239 38201 24.14 35000 519339
`y{ZdgZ gmonmo 6.00 90379 23234 25.71 35000 4705218
lram_ OZab 6.00 171227 13284 7.76 35000 35988
^maVr Agm 6.00 127442 7876 6.18 35000 42110
ahoOm `y~rB 5.00 2876 271 9.43 25000 35497
Eg~rAmB OZab 5.00 203985 71135 34.87 25000 1990474
EbES>Q>r OZab 5.00 47339 2907 6.14 20000 609028
{b~Q>u dr{S>`moH$mZ 5.00 40872 2138 5.23 10000 10000
_J_m EMS>rAmB 5.00 40394 23153 57.32 10000 87337
H$moQ>H$ _{hm 0.00 371 0 0
{ZOr Hw$b 39,71,749 4,79,570 12.07 6,70,000 150,89,391
`y B{S>`m 7.00 1514951 246615 16.28 168,70,908 741,61,700
ZoeZb 7.00 1209081 94593 7.82 2319041 2646194
`wZmBQo>S> B{S>`m 7.00 1225036 161218 13.16 684489 56974548
Amo[a`Q>b 7.00 831473 113092 13.60 665500 40873981
gaH$mar Hw$b 4780541 615517 12.88 20539938 174656423
Hw$b OmoS > 8752291 1095087 12.51 21209938 189745814

58
 dm{fH$ [anmoQ>
I.4.8 {dmr` gyMZm-Umbr Ama ~r_m{H$H$ _mZH$
{Z`w$ ~r_mH$H$ Umbr
I.4.8.1 {Z`w$ ~r_mH$H$ Umbr ^maVr` ~r_m CmoJ _| EH$
XeH$ go ^r A{YH$ g_` go {d_mZ h& `oH$ ~r_mH$Vm go Ano{jV
h {H$ dh EH$ ~r_mH$H$ H$s {Z`w{$ H$ao Omo {Z`w$ ~r_mH$H$ Ho$ $n
_| OmZm OmVm h& {Z`w$ ~r_mH$H$ ~r_mH$Vm Ho$ ~YH$-dJ H$mo
~r_m{H$H$ nam_e XoZo Ho$ {bE CmaXm`r h, {deof $n go CnmX
A{^H$nZ Ama H$s_V-{ZYmaU, ~r_m g{dXm eXmdbr Ama
A{^`{$`m|, {Zdoe Ama nwZ~u_m; H$nZr H$s emoYj_Vm H$mo
gw{ZpMV H$aZm Ama g_`-g_` na m{YH$aU mam {X`o J`o {ZXoem|
H$m AZwnmbZ H$aZo Ho$ jom| _|& {Z`w$ ~r_mH$H$ H$mo ~r_mH$Vm Ho$
H$Oo _| AWdm CgHo$ {Z`U Ho$ AVJV {d_mZ g_V gyMZm
AWdm g^r XVmdoOm| VH$ nhM hmoZr Mm{hE, `{X {Z`w$ ~r_mH$H$
Ho$ H$m`m] Ama H$V`m| Ho$ C{MV Ama ^mdr H$m`{ZnmXZ Ho$ {bE
Eogr nhM Amd`H$ hmo&
I.4.9 YZ-emoYZ {ZdmaU / AmVH$dmX {dmnmofU H$m
_wH$m~bm (EE_Eb/grE\$Q>r) H$m`H $ _
EE_Eb/grE\$Q>r {Xem{ZX}e
I.4.9.1 YZ-emoYZ {ZdmaU A{Y{Z`_ (nrE_EbE) Ama CgHo$
AYrZ ~Zm`o J`o {Z`_m| mam Xm e{$`m| H$m `moJ H$aVo hE ~r_m
jo H$mo EE_Eb/grE\$Q>r {Xem{ZX}e ({Xem{ZX}e) nhbo _mM
2006 _| Omar {H$`o J`o& V~ go ~r_m jo ^maV _| EH$ ^mdr
EE_Eb/grE\$Q>r `dWm H$s {Xem _| H$m` H$aVm ahm h& `o
{Xem{ZX}e nrE_EbE Ho$ AVJV Ano{jV $n _| JmhH$ Ho$ g~Y _|
C{MV gmdYmZr H$s {H$`mAmo, gyMZm XoZo Ho$ Xm{`dm| Ama A{^boI-
nmbZ H$s Amd`H$VmAm| Ho$ _hd na ~b XoVo h&
I.4.9.2 ~r_mH$VmAm| Zo boIm-narjm g{_{V Ho$ _m`_ go AnZo
~moS> Ho$ {dVV n`dojU Ho$ AYrZ {d{^ AnojmAm| Ho$ AZwnmbZ
H$s {Xem _| Um{b`m Ama {H$`mE Wm{nV H$s h& ~r_mH$Vm Ho$
AmV[aH$ boIm-narjm/{ZarjU {d^mJm| Ho$ _m`_ go Um{b`m|
2015-16
H$s ^mdm_H$Vm H$s {Z`{_V g_rjm H$s OmVr h& C$ {Xem{ZX}em|
Ho$ AZwnmbZ H$s ^r {ZJamZr AmBAmaS>rEAmB mam XmoZm| `j
(AmZ-gmBQ>) Ama namoj (Am\$-gmBQ>) {H$`mAm| Ho$ _m`_ go
H$s OmVr h&
ZH$Xr drH$aU H$m ma^
I.4.9.3 ~r_m jo ~hV Hw$N> ~qH$J jo Ho$ g_mZ h Ohm XmoZm| hr
Xoe _| OZVm Ho$ ~rM ~MV H$mo mogm{hV H$aZo Ho$ {bE _m`_ Ama
ghm`H$ gmYZ h& Xoe _| ~r_m g~Yr H$mZyZm| Ho$ AZwgma ^r `h
A{Zdm` h {H$ `oH$ H$nZr Ho$ `dgm` H$m Hw$N> AZwnmV Ad`
Jm_rU jo go Cn hmo& ^maV _| Jmdm| H$s {dnwb g`m Ho$ hmoVo hE,
{OgH$s VwbZm _| ~H$m| H$s `m{ gr{_V h, ZH$Xr H$s drH${V Ho$
g~Y _| {V~Ym| Ho$ mam Cn H$s JB ~mYmAm| H$mo hQ>mZo Ho$ {bE
AmBAmaS>rEAmB Zo ~qH$J jo _| M{bV $n _| hr {ZYm[aV eV
H$mo n{$~ {H$`m Wm& BgH$m Co` ^mdr T>J go Jm_rU `dgm`
m H$aZo Ho$ {bE ~r_m H$n{Z`m| H$mo mogm{hV H$aZm ^r Wm Ama
BgHo$ n[aUm_d$n ~r_m Ho$ `mnZ Ama CgH$s gKZVm _| gwYma
bmZm Wm&
I.4.9.4 `h Anojm 26 _B 2011 H$s gr~rS>rQ>r A{YgyMZm
Eg.Amo. 1214 (B) Ho$ ^r AZw$n Wr Omo Am`-H$a {Z`_, 1962
Ho$ {Z`_ 114~r H$mo gemo{YV H$aVr h Ama IS> (`y) H$mo {Z{d>
H$aVr h Omo `oH$ `{$ go Anojm H$aVm h {H$ dh CZ g^r boZXoZm|
go g~{YV XVmdoOm| _| AnZr Wm`r ImVm g`m (nZ) H$mo CV
H$ao Ohm {H$gr ~r_mH$Vm H$mo OrdZ ~r_m r{_`_ Ho$ $n _| EH$ df
_| Hw$b nMmg hOma n`o `m Cggo A{YH$ am{e H$m ^wJVmZ {Z{hV
hmo, Ogm {H$ ~r_m A{Y{Z`_ 1938 (1938 H$m 4) H$s Ymam 2 Ho$
IS> (9) _| n[a^m{fV h&
I.4.9.5 "ZH$Xr _| r{_`_ Ho$ drH$aU' Ho$ g~Y _| A{YH$
gV {Z`U aIZo Ho$ {bE AmBAmaS>rEAmB Zo H$R>moa {Z`Um| H$mo
A{Zdm` H$a {X`m h, Ogo JmhH$ go m {H$`o OmZodmbo nZ g`m
Ho$ g`mnZ H$s Amd`H$Vm& ~r_mH$VmAm| Ho$ {bE `h ^r Amd`H$
h {H$ do nZ {ddaU Ho$ H$Q>rH$aU go ~MZo Ho$ {bE {H$gr ^r H$ma
59
 dm{fH$ [anmoQ>
Ho$ `mg H$mo amoH$Zo Ho$ {bE Cn`w$ `dWm {ZYm[aV H$a|&
~r_mH$VmAm| H$mo {ZXoe {X`m J`m h {H$ BZ AnojmAm| Ho$ g~Y _|
YmoIm XoZo Ho$ g^d `mgm| H$s pW{V _| do BgH$s gyMZm g{XY
J{V{d{Y Ho$ $n _| ^maVr` {dmr` AmgyMZm `y{ZQ> (E\$AmB`y-
AmBEZS>r) H$mo X|&
Ja-OrdZ ~r_m H$n{Z`m| Ho$ {bE bmJy EE_Eb/grE\$Q>r
{Xem{ZX}e
I.4.9.6 Bg V` na {dMma H$aVo hE {H$ Ja-OrdZ ~r_m H$n{Z`m|
Ho$ {bE bmJy EE_Eb/grE\$Q>r AnojmE OrdZ ~r_m H$n{Z`m| na
bmJy AnojmAm| go {^ h, C$ {Xem{ZX}em| H$m AmemoYZ {H$`m J`m
h Vm{H$ do Ja-OrdZ ~r_m `dgm` Ho$ {d{e> bjUm| Ho$ gy_ ^oXm|
Ho$ AZw$n hmo gH|$& {d{^ g~{YV nhbwAm| na gmYmaU ~r_m
n[afX Ho$ _m`_ go g^r Ja-OrdZ ~r_m H$n{Z`m| Ho$ gmW `mnH$
{dMma-{d_e {H$`m J`m& Ja-OrdZ ~r_m H$n{Z`m| na `Wm`mo`
EE_Eb/ grE\$Q>r T>mM o H$s {d{^ eVm]/ AnojmAm| na EH$ g_o{H$H$
n[an \$adar 2013 _| Omar {H$`m J`m& Bg n[an Ho$ mam
~r_mH$VmAm| H$mo gy{MV {H$`m J`m h {H$ do `oH$ CnmX H$s mo\$mBb
Ho$ AnZo Omo{I_-{ZYmaU Ho$ AmYma na EE_Eb/ grE\$Q>r AnojmAm|
H$mo bmJy H$a|& Q>S>AbmoZ _o{S>H$b Ama dm` ~r_m nm{b{g`m| Ho$
g~Y _| nyd _| Xr JB Ny>Q> A~ g_m H$s JB h&
OrdZ ~r_mH$VmAm| Ho$ {bE EE_Eb/ grE\$Q>r {Xem{ZX}em|
H$m gemoYZ
I.4.9.7 Ho$ gaH$ma mam 2013 _| nrE_Eb (A{^boIm| H$m
aIaImd) {Z`_, 2005 _| {H$`o J`o gemoYZ Ho$ AZwgaU _| OrdZ
~r_mH$VmAm| Ho$ {bE 2010 _| Omar {H$`o J`o EE_Eg/ grE\$Q>r
g~Yr _mQ>a n[an _| C$ gemoYZm| Ho$ AZw$n gemoYZ {H$`m
J`m& gemo{YV _mQ>a n[an H$m m$n A{^_Vm| Ho$ {bE OrdZ
~r_m n[afX, OrdZ {d^mJ Ama E\$AmB`-y AmBEZS>r H$mo n[aMm{bV
{H$`m J`m& m A{^_Vm| Ho$ AmYma na _mQ>a n[an H$mo A{V_
$n {X`m J`m& C$ _mQ>a n[an 28.09.2015 H$mo Omar {H$`m
J`m&
2015-16
AVaam>r` gh`moJ/ gyMZm H$s gmPoXmar
I.4.9.8 OyZ 2010 _| {dmr` H$madmB H$m` ~b (EnEQ>rE\$) _|
^maV H$s gX`Vm Ho$ ~mX ^maV E\$EQ>rE\$ g{Mdmb` Ho$ {V
{V~ H$m` `moOZm na H$m` H$a ahm h& AmBAmaS>rEAmB Zo dMZ~
{d{^ H$m` {~XwAm| na H$madmB nyar H$s h& _B 2013 go
AmBAmaS>rEAmB AVaam>r` ~r_m n`dojH$ gK (AmBEAmBEg)
Ho$ ~ham>r` gh_{V kmnZ (E_E_Amo`y) H$m EH$ hVmjaH$Vm h
Omo gh`moJ Ama gyMZm H$s gmPoXmar Ho$ {bE EH$ AVaam>r` _M
CnbY H$amVm h& BgHo$ A{V[a$, AmBAmaS>rEAmB (Xoer AWdm
{dXoer gWm go g~{YV JmonZr` gyMZm H$s gmPoXmar) {d{Z`_,
2013 M{bV h {OZ_| Bg ~mV H$s `dWm h {H$ JmonZr` gyMZm
H$s gmPoXmar {H$g VarHo$ go / {H$Z {ZH$m`m| Ho$ g~Y _| A`
{d{Z`m_H$ {ZH$m`m| Ho$ gmW H$s Om gH$Vr h&
{d{^ EO|{g`m| / {d^mJm| Ho$ gmW g_d`
I.4.9.9 AmBAmaS>rEAmB ^maV _| EE_Eb/grE\$Q>r `dWm
Ho$ ^mdr H$m`md`Z H$mo gw{ZpMV H$aZo _| {d{^ EO|{g`m| /
{d^mJm| Ho$ gmW g{H$` $n go g_d` H$a ahm h VWm `h amOd
{d^mJ mam J{R>V EE_Eb/ grE\$Q>r g~Yr am>r` Omo{I_ {ZYmaU
(EZAmaE) Ho$ {bE H$m`Xb H$m ^mJ h& E\$EQ>rE\$ H$s gemo{YV
{g\$m[aem| Ho$ H$m`md`Z Ho$ {bE Am{WH$ H$m` {d^mJ (E\$EQ>rE\$
H$j) mam J{R> V H$mo a H$m` Xb (grS> `y O r) H$m ^r
AmBAmaS>rEAmB EH$ {hgm h&
I.4.9.10 BgHo$ A{V[a$, AmBAmaS>rEAmB YZ-emoYZ {ZdmaU
Ama AmVH$dmX Ho$ {dmnmofU H$m _wH$m~bm H$aZo g~Yr `yao{e`Z
g_yh (BEOr), Omo EH$ E\$EQ>rE\$ ebr H$m jor` {ZH$m` h, Ho$
gmW ^r g{H$` $n go g~ h& AmBAmaS>rEAmB Zo Zd~a 2012
_| ZB {Xr _| Am`mo{OV 17dt BEOr brZar Ama H$m` Xb H$s
~R>H$m| _| g{H$` $n go ^mJ {b`m Wm VWm "gyMZm Ho$ AmXmZ-XmZ
g~Yr gdm}m_ WmAm|' na AmboI H$s n[a`moOZm ^maV H$mo gmnr
JB h&
60
 dm{fH$ [anmoQ>
I.4.9.11 AmBAmaS>rEAmB Zo {dmr` AmgyMZm `y{ZQ>-B{S>`m
(E\$AmB`y-AmBEZS>r) Ho$ gmW {Z`{_V BQ>aEoeZ ma^ {H$`m h
VWm "~r_m jo Ho$ {bE bmb PS>m gHo$VH$m|' na [anmoQ> H$mo A{V_
$n XoZo Ho$ g~Y _| CmoJ Ho$ {V{Z{Y`m| Ho$ gmW J{R>V H$m` Xb _|
g{H$` $n go ^mJ {b`m h& AmBAmaS>rEAmB Ho$r` Ho$dmBgr
a{OQ>r {Z{_V H$aZo H$s {dmr` godmE {d^mJ H$s nhb H$m ^r ^mJ
h&
I.4.9.12 YZ-emoYZ {ZdmaU A{Y{Z`_ Ama CgHo$ AYrZ ~Zm`o
J`o {Z`_m| H$s AnojmAm| Ho$ ^mdr H$m`md`Z _| {ZaVa g_pdV
`mgm| Ho$ ^mJ Ho$ $n _| AmBAmaS>rEAmB Ama E\$AmB`-y AmBEZS>r
Zo 29 OZdar 2014 H$mo nana gh`moJ g~Yr EH$ gh_{V kmnZ
(E_Amo`y) na hVmja {H$`o h&
C$ E_Amo`y Ho$ AZwgma, AmBAmaS>rEAmB Ama E\$AmB`-y AmBEZS>r
{ZZ{b{IV g{hV nana {hV Ho$ jom| _| nana gh`moJ H$a|Jo
H$) CZHo$ g~{YV So>Q>m~ogm| _| CnbY AmgyMZm Ama OmZH$mar
H$s gmPoXmar H$aZm&
I) dh H$m`{d{Y Ama VarH$m {ZYm[aV H$aZm {Og_| gyMZm
XoZodmbr gWmE nrE_Eb (A{^boIm| H$m AZwajU) {Z`_m|
Ho$ AVJV E\$AmB`y-AmBEZS>r H$mo gyMZm X|Jr&
J) gyMZm XoZodmbr gWmAm| Ho$ {bE bmoH$gnH$ Ama {ejU
gMm{bV H$aZm&
K) AmBAmaS>rEAmB mam {d{Z`{_V gyMZm XoZodmbr gWmAm|
Ho$ EE_Eb/ grE\$Q>r H$meb H$m XOm ~T>mZm&
L>) ~r_m jo _| YZ-emoYZ {ZdmaU/ AmVH$dmX Ho$ {dmnmofU
H$m _w H $m~bm (EE_Eb/ grE\$Q> r ) Omo { I_m| Am a
Agwa{jVVmAm| H$m {ZYmaU&
M) ~r_m jo _| g{XY boZXoZ [anmoQ>m] (EgQ>rAma) Ho$ {bE bmb
PS>m gHo$VH$m| H$s nhMmZ&
2015-16
N>) nrE_EbE Ho$ AVJV gyMZm XoZodmbr gWmAm| Ho$ Xm{`dm|
Ho$ gmW CZHo$ AZwnmbZ H$m n`dojU Ama {ZJamZr&
O) g~{YV AVaam>r` _mZH$m| Ho$ AVJV EH$ Xygao Ho$ Xm{`dm|
H$m AZwnmbZ&
I.4.10 \$gb ~r_m
I.4.10.1 am>r` \$gb ~r_m H$m`H$_ (EZgrAmBnr)
EZEAmBEg H$mo dmng boZo Ho$ n[aUm_d$n 1 Zd~a 2013 go
EZgrAmBnr H$m ma^ EH$ gdm{YH$ _hdnyU n[adVZ h&
EZgrAmBnr H$s VrZ KQ>H$ `moOZmE h AWm Amemo{YV am>r` H${f
~r_m `moOZm (E_EZEAmBEg), _mg_ AmYm[aV \ $gb ~r_m `moOZm
(S>`y~rgrAmBEg) VWm Zm[a`b ~r_m `moOZm (grnrAmBEg)&
YmZ _r \$gb ~r_m `moOZm (nrE_E\$~rdmB):
I.4.10.2 `h `moOZm am>r` H${f ~r_m `moOZm (EZEAmBEg)
Ama Amemo{YV am>r` H${f ~r_m `moOZm (E_EZEAmBEg) H$mo
{VWm{nV H$aVo hE Iar\$ 2016 go ma^ {H$`m J`m h VWm
BgH$m H$m`md`Z EAmBgr Ama 15 A` ~r_m H$n{Z`m| mam {H$`m
Om ahm h&
nrE_E\$~rdmB H$m Co` {ZZ{b{IV Ho$ mam H${f jo _| YmaUr`
CnmXZ H$mo g_WZ XoZm h
A`m{eV KQ>ZmAm| Ho$ H$maU Cn hmoZdo mbr \ $gb hm{Z/
j{V go nr{S>V {H$gmZm| H$mo {dmr` ghm`Vm CnbY H$amZm
{H$gmZm| H$s Am` H$m pWarH$aU H$aZm Vm{H$ H${f-H$m` _|
CZH$s {ZaVaVm gw{ZpMV H$s Om gHo$&
Zdmo_of Ama AmYw{ZH$ H${f WmAm| H$mo AnZmZo Ho$ {bE
{H$gmZm| H$mo mogm{hV H$aZm
H${f jo H$mo F$U H$s CnbYVm gw{ZpMV H$aZm, Omo Im
gwajm Ho$ {bE AeXmZ H$aoJm
61
 dm{fH$ [anmoQ>
{H$gmZm| H$mo CnmXZ Omo{I_m| go gajU XmZ H$aZo Ho$ gmW-
gmW \$gb {d{dYrH$aU Ama H${f jo H$s d{ Ama
{V`moJm_H$Vm H$mo ~T>mZm&
`h `moOZm g^r {H$gmZm|, XmoZm| F$Ur Ama Ja-F$Ur, Ho$ {bE CZH$s
OmoV Ho$ AmH$ma H$m {dMma {H$`o {~Zm CnbY h& `h `moOZm AZmO,
~mOam, Xmb|, {VbhZ Ama dm{fH$ dm{Up`H$ Ama CmZ-H${f
\$gbm| g{hV g^r \$gbm| H$s ~r_majm H$mo n[aH$pnV H$aVr h
{OZHo$ g~Y _| {nN>br CnO H$m So>Q>m CnbY hmo&
nrE_E\$~rdmB Ho$ Cn~Ym| Ho$ AZwgma _wI \$gbm| Ho$ {bE ~r_m
`y{ZQ> Jm_ nMm`V AWdm A` g_H$jb `y{ZQ> h& r{_`_ Xa|
~r_m{H$H$ h Omo r{_`_ _| ma{^H$ gpgS>r mam g_{WV h, {H$gmZ
Im \$gbm| Ama {VbhZm| Ho$ {bE Iar\$ _mg_ _| 2%, a~r
_mg_ _| 1.5% VWm dm{fH$ dm{Up`H$ ~mJ~mZr \$gbm| Ho$ {bE
5% H$m r{_`_ AXm H$a|J&o `{X ~r_m{H$H$ r{_`_ Cn`w $ r{_`_
go H$_ h, Vmo {H$gmZ mam ~r_m{H$H$ r{_`_ H$m ^wJVmZ {H$`m
OmEJm& ~r_m{H$H$ Ama CV_ r{_`_ Ho$ ~rM Ho$ AVa H$s eof
am{e Ho$ Ama am` gaH$ma mam g_mZ $n go Xo` hmoJr& {dm Ho$
{Obm-Var` \$gb-dma _mZ H$m ~r{_V am{e Ho$ AmYma Ho$ $n _|
Cn`moJ {H$`m OmEJm {Ogna j{Vny{V Ho$ VrZ Va AWm 70%,
80% Ama 90% bmJy hm|Jo& Xmdm| H$s Xo`VmAm| Ho$ {bE ~r_mH$Vm
CmaXm`r h&
`h `moOZm "jo {>H$moU AmYma' na H$m`mpdV H$s OmVr
h& ~r_m H$m `y{ZQ> _wI \$gbm| Ho$ {bE Jm_/ Jm_ nMm`V
Va hmoJm VWm A` \$gbm| Ho$ {bE `h Jm_/ Jm_ nMm`V
Ho$ Va go A{YH$ AmH$ma H$m `y{ZQ> hmoJm&
A{Zdm` mH${VH$ Omo{I_m| Ho$ H$maU \$gb hm{Z`m| Ho$ {bE
hm{Z {ZYmaU jo {>H$moU na hmoJm&
{H$gr A{Ygy{MV jo H$s A{YH$me ~r{_V \$gbm| H$s
~wAmB/ amonU H$mo {VHy$b _mg_ H$s pW{V`m| Ho$ H$maU
amoH$m OmVm h, Vmo do ~r{_V am{e Ho$ 25% H$s A{YH$V_
gr_m VH$ j{Vny{V Xmdm| Ho$ {bE nm hm|Jr&
2015-16
VWm{n WmZrH$V Omo{I_m| (Amobm-d{>, ^y-IbZ Ama
~mT>) Ho$ H$maU hm{Z`m VWm {d{e> Omo{I_m| Ho$ H$maU \ $gb-
H$Q>mB Ho$ ~mX hm{Z`m (MH$dmV/ MH$dmVr dfm Ama ~o_mg_
dfm) d`{$H$ ~r_mH$V {H$gmZ Ho$ ^m{dV ~r{_V jo na
{ZYm[aV H$s OmEJr&
\$gb _mg_ Ho$ XmamZ {VHy$b _mg_r pW{V`m|, AWm
~mT>, gyIo Ho$ b~o Xma, J^ra gyIm VWm ~o_mg_ dfm H$s
pW{V _| "AmZ AH$mCQ>' Xmdm| H$s `dWm hmoJr&
g^m{dV Xmdm| Ho$ 25% VH$ "AmZ AH$mCQ>' ^wJVmZ CnbY H$am`m
OmEJm, `{X _mg_ Ho$ XmamZ `m{eV CnO, gm_m` CnO Ho$
50% go H$_ hmoZo H$s g^mdZm hmo&
_mg_ AmYm[aV \$gb ~r_m `moOZm (S>`y~rgrAmBEg):
I.4.10.3 Cn`w$ Xmo CnO JmaQ>r ~r_m `moOZmAm| Ho$ Abmdm,
^maV gaH$ma Zo EH$ m`mo{JH$ `moOZm AWm _mg_ AmYm[aV \$gb
~r_m `moOZm (S>`y~rgrAmBEg) Iar\$ 2007 go ma^ H$s h,
Omo CgHo$ ma^ go EZgrAmBnr Ho$ EH$ KQ>H$ Ho$ $n _| gnyU `moOZm
~Z JB h& `h `moOZm EH$ ~r_m{H$H$ AmYma na n[aMm{bV H$s
OmVr h VWm BgH$s r{_`_ gpgS>r 25% go 50% VH$ Ho$ Xm`ao
_| h {OgH$s gmPoXmar Ho$ Ama am`m| mam g_mZ $n go H$s OmVr
h& EAmBgr Zo Iar\$ 2007 go ma^ H$aVo hE g^r {nN>bo Iar\$
Ama a~r _mg_m| Ho$ XmamZ {d{^ am`m| _| C$ `moOZm H$m H$m`md`Z
{H$`m h& S>`y~rgrAmBEg EH$ mM{bH$ (nam_o{Q>H$) ~r_m CnmX
h Omo IoVr H$s Ad{Y Ho$ XmamZ {VHy$b _mg_r KQ>ZmAm|, Ogo
AZmd{> Ama A{Vd{>, nmbm, Ja_r (Vmn_mZ), g~{YV Z_r,
hdm H$s J{V Am{X Ho$ {d H$fH$ H$mo ~r_m gwajm XmZ H$aZo Ho$
{bE A{^H$pnV h, {OZHo$ g~Y _| `h _mZm OmVm h {H$ `o \$gb
H$s CnO H$mo {VHy$b $n go ^m{dV H$aVo h&
I.4.10.4 am` gaH$ma mam _mg_ Ho$ ma^ go nhbo \$gb| Ama
"gX^ `y{ZQ> jo' (Ama`yE) A{Ygy{MV {H$`o OmVo h& `oH$
Ama`yE H$mo EH$ gX^ _mg_ Qo>eZ (AmaS>`yEg) Ho$ gmW g~
{H$`m OmVm h, {OgHo$ AmYma na ^wJVmZm|/ Xmdm| H$m gH$aU
62
 dm{fH$ [anmoQ> 2015-16

gmaUr I.74
_mg_ AmYm[aV \$gb ~r_m `moOZm (S>`y~rgrAmBEg)
(` bmI _|)
H$_ g. _mg_ ~r_mH$V {H$gmZm| H$s g`m ~r{_V am{e r{_`_ gy{MV {H$`o J`o Xmdo
1 Iar\$ 2012 3547463 724009.97 72647.97 54751.16*
2 a~r 2012-13 3706835* 646622.05* 57562.06* 77740.13
3 Iar\$ 2013 5000339* 891262.43 89820.20 66692.59
4 a~r 2013-14 1287898 311593.89 28610.78 29801.44*
5 Iar\$ 2014 2454658* 600656.92* 62087.91* 60645.91*
6 a~r 2014-15 326093 57810.13 5763.48 7472.92
7 Iar\$ 2015 1654958 507562.59 50772.90 45536.60
* (AVZ AmH$So>)

{H$`m OmVm h& ^wJVmZ gX^ _mg_ Qo>eZ (AmaS>`yEg) _|
_mnZ {H$`o J`o $n _| dV_mZ _mg_ Ho$ _mZXS>m| _| {VHy$b
{d{^VmAm| Ho$ AmYma na {H$`o OmVo h& S>`y~rgrAmBEg Ho$
AVJV Xmdm, jo AmYm[aV Ama dMm{bV h& H$nZr Zo go~, Zt~y,
AJya, Am_, AZma, H$mOy, Vob VmS>, Am{X Ogr ~mah_mgr \$gbm|
g{hV 35 go ^r A{YH$ {d{^ \$gbm| H$m ~r_m {H$`m& EAmBgr
mam Bg `moOZm H$m H$m`md`Z Iar\$ 2014 Ho$ XmamZ 14 am`m| Ho$
102 {Obm| _| VWm a~r 2014-15 Ho$ XmamZ 11 am`m| Ho$ 88 {Obm|
_| {H$`m J`m&
I.4.10.5 Iar\$ 2015 Ho$ XmamZ 507.73 H$amoS> n`o Ho$ gH$b
r{_`_ Ho$ gmW 5075.63 H$amoS> n`o H$s ~r{_V am{e g{hV
0.23 H$amoS> hoQo>Aa H$m ~r_m H$aVo hE 0.17 H$amoS> {H$gmZm| H$mo
gp_{bV {H$`m J`m& Iar\$ 2007 _| m`mo{JH$ `moOZm Ho$ Vma na
ma^ go boH$a Iar\$ 2015 VH$ S>`y~rgrAmBEg Zo 6527.90
H$amoS> n`o Ho$ r{_`_ Ho$ AmYma na 69104.44 H$amoS> n`o H$s
~r{_V am{e Ho$ {bE 4.86 H$amoS> hoQo>Aa jo H$m ~r_m H$aVo hE
3.62 H$amoS> {H$gmZm| H$mo g_m{d> {H$`m& 228.35 bmI go A{YH$
{H$gmZm| H$mo bm^mpdV H$aVo hE 5237.07 H$amoS> n`o H$s am{e Ho$
Xmdo ^wJVmZ-`mo` ~Z J`o& Iar\$ 2016 go boH$a AmJo
S>`y~rgrAmBEg H$mo nwZga{MV S>`y~rgrAmBEg Ho$ $n _| Omar
aIm OmEJm {Og_| g^r A` _mZXS>m| H$mo `Wmd aIVo hE {H$gmZm|
H$s r{_`_ Xa 1.5% VH$, E\$grAmoEg Ho$ {bE 2% VH$ Ama
EgrEM \$gbm| Ho$ {bE 5% VH$ H$_ H$s JB h&
Zm[a`b ~r_m `moOZm (grnrAmBEg):
I.4.10.6 EAmBgr Zo Zm[a`b ~moS> Ho$ gh`moJ go Zm[a`b Ho$ {bE
`moOZm AWm Zm[a`b ~r_m `moOZm (grnrAmBEg) A{^H$pnV
H$s, Omo A~ EZgrAmBnr H$s EH$ KQ>H$ h& `h `moOZm Xoe _|
Zm[a`b CnOmZodmbo g^r am`m| / gKam` jom| Ho$ {bE CnbY
h& 4 go 60 df H$s Am`w Ho$ Xm`ao _| AmZodmbo ~mZo Ama gH$a
Zm[a`b dj VWm 7 go 60 df H$s Am`w Ho$ Xm`ao _| AmZodmbo b~o
H$ma Ho$ Zm[a`b dj ~r_majm Ho$ {bE nm h& r{_`_ na 50%
gpgS>r Zm[a`b {dH$mg ~moS> (grS>r~r) mam AXm H$s OmEJr Ama
25% g~{ YV am` gaH$ma mam VWm eof 25% H$m ^wJVmZ {H$gmZ/
CnmXH$ mam {H$`m OmEJm& `{X r{_`_ H$m 25% Ae dhZ H$aZo
Ho$ {bE am` gaH$ma gh_V Zht hmoVr, Vmo {H$gmZm| / CnmXH$m| go
Ano{jV hmoJm {H$ do r{_`_ Ho$ 50% H$m ^wJVmZ H$a|, `{X do ~r_m
`moOZm _| {M aIVo hm|&
I.4.10.7 Cn`w$ Ho$ A{V[a$, EAmBgr Zo {d{^ \$gbm| Ho$
Omo{I_ H$m `yZrH$aU H$aZo Ho$ {bE {d{^ \$gb ~r_m CnmX
{dH${gV {H$`o h AWm H$m\$s ~moS> Ho$ gh`moJ go dfm ~r_m `moOZm
H$m\$s (AmaAmBEggr), a~S> amonU ~r_m, Od-BYZ dZn{V ~r_m
(~m`mo-`wEb bmQ>g B`moa|g), AJya ~r_m, Am_ _mg_ ~r_m,
Amby g{dXm H${f ~r_m, nndwS> dj ~r_m, a~r _mg_ ~r_m, Ama
dfm ~r_m&
63
 dm{fH$ [anmoQ> 2015-16

gmaUr I.75
Zm[a`b dj ~r_m `moOZm (grnrAmBEg)
(` bmI _|)
H$ g. _mg_ ~r_mH$V {H$gmZm| H$s g`m ~r{_V am{e r{_`_ gy{MV {H$`o J`o Xmdo
1 2009-10 45 112.32 0.66 0.00
2 2010-11 35019 19904.24 106.08 30.26
3 2011-12 8454 5510.95 29.77 92.47
4 2012-13 12279 7843.90 40.57 77.27*
5 2013-14 13970 8694.60 70.87 106.35*
6 2014-15 2845 2500.56 17.60 30.75
7 2015-16 361 740.456 11.25 0.98
* (AVZ AmH$So>)

I.4.11 gy_ ~r_m

I.4.11.1 OZgmYmaU Ho$ {ZZVa Am` IS>m| VH$ ~r_m Ho$ `mnZ
H$mo gwgm` ~ZmZo Ho$ {bE AmBAmaS>rE Zo gy_ ~r_m {d{Z`_ ~Zm`o
Wo& gy_ ~r_m {d{Z`_, 2005 Jm_rU Ama ehar {ZYZ dJ Ho$
{bE dhZr` ~r_m CnmX {dV[aV H$aZo Ho$ {bE VWm gy_ ~r_m H$mo
Xoe H$s `mnH$Va ~r_m Umbr H$m A{^ AJ ~ZmZo _| g_W
~ZmZo Ho$ {bE EH$ _M CnbY H$amVo h&
I.4.11.2 gy_ ~r_m {d{Z`_ _w` $n go {ZZ Am` dmbo bmoJm|
H$mo ~r_majm, r{_`_ Ama bm^ Ho$ _mZH$m| Ho$ Hw$N> Vam| H$m nmbZ
H$aVo hE _mZH$sH$V bmoH${` ~r_m CnmXm| Ho$ gmW gm_m` Omo{I_m|
H$m gm_Zm H$aZo Ama CZgo {ZamnX hmoZo _| ghm`Vm H$aZo Ho$ {bE
dhZr` ~r_m CnmXm| Ho$ gmW gajU XoZo na _hd XoVo h& `o {d{Z`_
gy_ ~r_m CnmXm| H$m {dnUZ H$aZo _| ~r_m H$n{Z`m| Ho$ {bE EO|Q>m|
Ho$ $n _| H$m` H$aZo Ho$ {bE Ja-gaH$mar gJR>Zm| (EZOrAmo) Ama
d`-ghm`Vm g_yhm| (EgEMOr) H$mo AZw_{V XoVo h VWm XmoZm| OrdZ
Ama Ja-OrdZ ~r_mH$VmAm| H$mo H$m~rgy_ ~r_m CnmXm| (`dgm`
H$s {d{^ `dWmAm| H$m g`moOZ) H$mo ~T>mdm XoZo Ho$ {bE AZw_{V
XoVo h&
I.4.11.3 m{YH$aU Zo `mnH$ Vma na gy_ ~r_m {d{Z`_,
2005 H$s g_rjm H$s& Bg g~Y _| m{YH$aU Zo 13 _mM 2015
H$mo gemo{YV {d{Z`_ A{Ygy{MV {H$`o h {OZ_| gy_ ~r_m `dgm`
Ho$ ~ohVa `mnZ H$mo gwgm` ~ZmZo Ho$ {bE gy_ ~r_m EO|Q>m| Ho$ $n
_| {Z`w$ {H$`o OmZo Ho$ {bE AZwgy{MV dm{U` ~H$m| Ho$ `dgm`
{V{Z{Y`m| g{hV Ama ^r AZoH$ gWmAm|, Ogo {Obm ghH$mar
~H$m|, jor` Jm_rU ~H$m| H$mo AZw_{V XmZ H$s h&
OrdZ ~r_m jo
I.4.11.4 O~{H$ df 2015-16 Ho$ {bE gy_ ~r_m IS> Ho$
AVJV Z`m `mdgm{`H$ r{_`_ 9.15 bmI ZB nm{b{g`m| Ho$
AVJV `35.94 H$amoS> na ahm h, gm_y{hH$ `dgm` Ho$ r{_`_
H$s am{e 2.93 H$amoS > OrdZm| H$mo ~r_majm XmZ H$aVo hE `302.43
H$amoS> h&
EbAmBgr Zo Bg g{d^mJ _| m `dgm` Ho$ EH$ _hdnyU KQ>H$
H$m AeXmZ {H$`m h {OgZo 4.5 bmI nm{b{g`m| Ho$ AVJV d`{$H$
Z`o `dgm` r{_`_ Ho$ `19.54 H$amoS> H$m gJh {H$`m h VWm
2.26 H$amoS> OrdZm| H$mo em{_b H$aVo hE gm_y{hH$ r{_`_ Ho$
`254.26 H$amoS> m {H$`o h&
I.4.11.5 _mM 2016 Ho$ AV _| gy_ ~r_m EO|Q>m| H$s g`m
27041 ahr, {Og_| go 18574 EbAmBgr go g~{YV Wo VWm eof
EO|Q>m| Zo {ZOr jo Ho$ ~r_mH$VmAm| H$m {V{Z{Yd {H$`m&
31.3.2016 H$s pW{V Ho$ AZwgma 13 OrdZ ~r_mH$VmAm| Ho$ 27

64
 dm{fH$ [anmoQ>
gy_ ~r_m CnmX CnbY Wo& BZ 27 CnmXm| _| go 20 d`{$H$
CnmX Wo Ama eof 7 gm_y{hH$ CnmX Wo&
Ja-OrdZ jo
I.4.11.6 m{YH$aU Zo `mnH$ $n go gy_ ~r_m {d{Z`_, 2005
H$s g_rjm H$s h Ama AmBAmaS>rE (gy_ ~r_m) {d{Z`_, 2015
A{Ygy{MV {H$`o h& gy_ ~r_m, gy_ ~r_m CnmXm| Ho$ _m`_ go
Xm ~r_m h {Og_| "gmYmaU gy_-~r_m CnmX" em{_b h&
gmYmaU gy_ ~r_m CnmX dm` ~r_m g{dXm, gn{m Ama gm_mZ,
Ogo Pm|nS>r, newYZ AWdm CnH$aUm| H$mo ~r_majm XmZ H$aZodmbr
{H$gr ^r g{dXm AWdm {H$gr ^r d`{$H$ XwKQ>Zm g{dXm H$mo
gp_{bV H$aVo h Omo d`{$H$ AWdm gm_y{hH$ AmYma na n`o EH$
bmI Ho$ $n _| ~r_majm H$s A{YH$V_ am{e Ed `yZV_ Ama
A{YH$V_ EH$ df H$s Ad{Y H$s ~r_majm go `w$ h&
I.4.11.7 m{YH$aU Zo {d{^ IS>m| _| gy_ ~r_m H$mo Mm[aV
H$aZo Ho$ {bE gy_ ~r_m EO|Q>m| Ho$ $n _| {Z`w$ {H$`o OmZo Ho$ {bE
A{YH$ gWmAm| AWdm `{$`m| H$mo AZw_{V XmZ H$s h {OZ_|
em{_b h Ja-gaH$mar gJR>Z (EZOrAmo), d`-ghm`Vm g_yh
(EgEMOr), gy_ {dm gWm (E_E\$AmB), ^maVr` [aOd ~H$
mam {d{Z`{_V EZ~rE\$gr-E_E\$AmB, {Obm ghH$mar ~H$, jor`
Jm_rU ~H$, ehar ghH$mar ~H$, `dgm` {V{Z{Y, mW{_H$ H${f
ghH$mar g{_{V`m Ama A` ghH$mar g{_{V`m &
gmaUr I.76
2015-16 Ho$ {bE gy_-~r_m g{d^mJ Ho$ AVJV Z`m `dgm`
~r_mH$Vm d`{$H$
nm{b{g`m r{_`_
{ZOr Hw$b 458655 1217.95
EbAmBgr 452291 1953.78
CmoJ Hw$b 910946 3171.73
{Q>nUr: Z`o `dgm` r{_`_ _| W_ df r{_`_ Ama EH$b r{_`_ em{_b h&.
2015-16
I.4.11.8 OZgmYmaU Ho$ {ZZ Am` IS> H$mo b`rH$V H$aVo hE
g^r nOrH$V Ja-OrdZ ~r_m H$n{Z`m| mam bJ^J ~mdZ CnmX
Vm{dV {H$`o J`o h, CXm. _doer gy_ ~r_m, {H$gmZ H${f nngoQ>
gy_ ~r_m nm{bgr, OZVm d`{$H$ XwKQ>Zm gy_ ~r_m nm{bgr,
aoe_-H$sQ> ({gH$d_) gy_ ~r_m nm{bgr, ^oS> Ama ~H$ar gy_
~r_m nm{bgr, gnyU Jh gwajm nm{bgr Am{X& BgHo$ Abmdm,
gmYmaU ~r_m `dgm` H$s {d{^ `dWmAm| Ho$ AVJV
E_EgE_BS>r A{Y{Z`_, 2006 _| dJuH$V $n _| gy_, N>moQo> Ama
_Pmbo C_m| H$mo Omar H$s JB gmYmaU ~r_m nm{b{g`m ^r {V
E_EgE_ C_ 10,000 n`o r{_`_ {V df VH$ gmYmaU gy_
~r_m `dgm` Ho$ $n _| AhVm m H$a|Jr&
I.4.11.9 gy_ ~r_m EH$ H$_ H$s_V Ama C n[a_mU dmbm
`dgm` h, Bg{bE BgH$s g\$bVm Ama YmaUr`Vm _w` $n go
BgHo$ boZXoZm| H$s bmJVm| H$mo H$_ aIZo na {Z^a h& ~r_m A{Y{Z`_,
1938 H$s Ymam 32~r Ama 32gr VWm AmBAmaS>rE (Jm_rU Ama
gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2015
Jm_rU Ama gm_m{OH$ jo Ho$ g~Y _| ~r_mH$VmAm| Ho$ {bE Xm{`d
{ZYm[aV H$aVo h, {Ohm|Zo ^r ^maV _| ~r_mH$VmAm| Ho$ mam gy_
~r_m CnmXm| Ho$ {dH$mg Ama gdYZ _| ~hV Hw$N> AeXmZ {H$`m h&
(r{_`_ ` bmI _|)
gm_y{hH$
`moOZmE r{_`_ a{jV OrdZ
153 4816.67 6650805
4844 25426.39 22603919
4997 30243.06 29254724
65
 dm{fH$ [anmoQ> 2015-16

gmaUr I.77
OrdZ ~r_mH$VmAm| Ho$ gy_-~r_m EO|Q>m| H$m {ddaU -- 2015-16
~r_mH$Vm 1 Ab n[adYZ {dbmonZ 31 _mM
2015 H$mo 2016 H$mo
{ZOr Hw$b 3382 6392 1307 8,467
EbAmBgr 19379 997 1802 18,574
CmoJ Hw$b 22761 7389 3109 27,041

gmaUr I.78
gy_-~r_m g{d^mJ Ho$ AVJV d`{$H$ _`w Xmdo -- 2015-16
(bm^ am{e ` bmI _|)
OrdZ ~r_mH$Vm Hw$b Xmdo ^wJVmZ {H$`o J`o Xmdo {ZamH$V / AdrH$V Xmdo df Ho$ AV _| b{~V Xmd
nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s
H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e
{ZOr Hw$b 4490 607.82 4427 483.33 63 124.60 0 0.12
98.60% 79.52% 1.40% 20.50% -0.02%
EbAmBgr 9749 1584.27 9632 1563.55 102 15.77 15 4.95
98.80% 98.69% 1.05% 1.00% 0.15% 0.31%
CmoJ Hw$b 14239 2192.09 14059 2046.88 165 140.37 15 4.83
98.74% 93.38% 1.16% 6.40% 0.11% 0.22%
{Q>nUr: {VeV g~{YV Hw$b Xmdm| _| {VeV {Z{X> H$aVo h&.

gmaUr I.79
gy_-~r_m g{d^mJ Ho$ AVJV gm_y{hH$ _`w Xmdo -- 2015-16
(bm^ am{e ` bmI _|)
OrdZ ~r_mH$Vm Hw$b ^wJVmZ {H$` {ZamH$V / {V{b{IV df Ho$ AV
Xmdo o J`o Xmdo AdrH$V Xmdo Xmdo _| b{~V Xmdo
OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s
H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e
{ZOr Hw$b 14479 3305.00 14429 3290.91 43 11.69 0 0.00 7 2.40
99.65% 99.57% 0.30% 0.35% 0.05% 0.07%
EbAmBgr 117854 38123.00 117827 38111.30 26 11.40 0 0.00 1 0.30
99.98% 99.97% 0.02% 0.03% 0.00% 0.00%
CmoJ Hw$b 132333 41428.00 132256 41402.21 69 23.09 0 0.00 8 2.70
99.94% 99.94% 0.05% 0.06% 0.01% 0.01%
{Q>nUr: {VeV g~{YV Hw$b Xmdm| _| {VeV XemVo h&

66
 dm{fH$ [anmoQ> 2015-16

gmaUr I.80
gy_-~r_m d`{$H$ loUr _| {ZnQ>m`o J`o Ad{Y-dma _`w Xmdo -- 2015-16
(nm{b{g`m| H$s g`m)
OrdZ ~r_mH$Vm gyMZm-m{ go Ad{Y
30 {XZ Ho$ 31 go 90 91 go 180 181 {XZ go 1 df go Hw$b {ZnQ>m`o
AXa {XZ {XZ 1 df A{YH$ J`o Xmdo
{ZOr Hw$b 4155 237 35 0 0 4427
93.86% 5.35% 0.79% 0.00% 0.00% 100.00%
EbAmBgr 7127 2505 0 0 0 9632
73.99% 26.01% 0.00% 0.00% 0.00% 100.00%
CmoJ Hw$b 11282 2742 35 0 0 14059
80.25% 19.50% 0.25% 0.00% 0.00% 100.00%
{Q>nUr: {VeV {ZnQ>m`o J`o g~{YV Hw$b Xmdm| _| {VeV XemVo h& .

gmaUr I.81
gy_-~r_m gm_y{hH$ loUr _| {ZnQ>m`o J`o Ad{Y-dma _`w Xmdo -- 2015-16
(OrdZm| H$s g`m)
OrdZ ~r_mH$Vm Ad{Y
gyMZm-m{ 31 go 90 91 go 180 181 {XZ 1 df go Hw$b {ZnQ>m`o
go 30 {XZ {XZ {XZ go 1 df A{YH$ J`o Xmdo
Ho$ AXa
{ZOr Hw$b 12871 1203 112 68 3 14257
90.28% 8.44% 0.79% 0.48% 0.02% 100.00%
EbAmBgr 117818 9 0 0 0 117827
99.99% 0.01% 0.00% 0.00% 0.00% 100.00%
CmoJ Hw$b 130689 1212 112 68 3 132084
98.94% 0.92% 0.08% 0.05% 0.00% 100.00%
{Q>nUr: {VeV {ZnQ>m`o J`o g~{YV Hw$b Xmdm| _| {VeV XemVo h& .

I.4.12 m{YH$aU mam Omar {H$`o J`o {ZXoe, AmXoe Ama I.4.13 gyMZm H$m A{YH$ma (AmaQ>rAmB) A{Y{Z`_, 2005
{d{Z`_
I.4.13.1 df 2015-16 Ho$ XmamZ m{YH$aU Zo ZrMo gmaUr .82
I.4.12.1 m{YH$aU Zo 2014-15 Ho$ XmamZ AZoH$ n[an, {ZXoe _| Xem`o J`o A{YH$m[a`m| H$mo nXZm{_V {H$`m h Omo AmaQ>rAmB
Ama AmXoe Omar {H$`o& 1 Ab 2015 go 31 _mM 2016 VH$ H$s A{Y{Z`_, 2005 H$s Ymam 5(1) Ho$ AZwgma Ho$r` OZgyMZm
Ad{Y Ho$ XmamZ Omar {H$`o J`o Eogo g^r n[anm|, {ZXoem| Ama AmXoem| A{YH$mar (grnrAmBAmo) Ho$ $n _| Omar h&
H$s gyMr AZw~Y g. 8 _| aIr JB h& BgHo$ A{V[a$, 31 _mM
2016 VH$ m{YH$aU mam A{Ygy{MV {H$`o J`o g^r {d{Z`_m| H$m
{ddaU AZw~Y g. 9 _| aIm J`m h&

67
 dm{fH$ [anmoQ> 2015-16

Bgr Ad{Y Ho$ XmamZ gwlr _Ow AamoS>m, d[a> ghm`H$ {ZXoeH$ H$mo BgHo$ A{V[a$, Bgr Ad{Y Ho$ XmamZ lr EM. AZVH$UZ, g`w$
m{YH$aU Ho$ {Xr H$m`mb` Ho$ {bE Ho$r` ghm`H$ OZgyMZm {ZXoeH$ ({d{Y), lr Or. _{H$mOwZ , {deof H$m` A{YH$mar (H$mZyZr
A{YH$mar Ho$ $n _| nXZm{_V {H$`m J`m h VWm lr {dH$mg amUo, Zr{V) Ama lr E. a_Um amd, g`w$ {ZXoeH$ H$mo AmaQ>rAmB
H${Z> A{YH$mar H$mo m{YH$aU Ho$ _w~B H$m`mb` Ho$ {bE Ho$r` A{Y{Z`_, 2005 H$s Ymam 19(1) Ho$ AZwgma g_ZwXo{eV H$m`m]
ghm`H$ OZgyMZm A{YH$mar Ho$ $n _| AmaQ>rAmB A{Y{Z`_, 2005 H$m {Zdmh H$aZo Ho$ {bE AmaQ>rAmB A{Y{Z`_, 2005 H$s Cn`w$
H$s Ymam 5(2) Ho$ AZwgma g_ZwXo{eV H$m`m] H$m {Zdmh H$aZo Ho$ {bE Ymam Ho$ AZwgma W_ Anrb m{YH$m[a`m| Ho$ $n _| nXZm{_V {H$`m
AmaQ>rAmB A{Y{Z`_, 2005 H$s Cn`w$ Ymam Ho$ AZwgma nXZm{_V J`m&
{H$`m J`m h&
gmaUr I.82
Ho$r` OZgyMZm A{YH$m[a`m| H$s gyMr
H$_ g. {d^mJ grnrAmBAmo H$m Zm_
1 ~r_m{H$H$ lr S>rEZHo$EbEZHo$ MH$dVu
lr EZEgHo$ ^mH$a
2 OrdZ lr MeoIa dr
3 Ja-OrdZ lr d|H$Q> amOy Ho$.
4 dm`, Q>rnrE g{hV lr E_S>r A`mO
5 Cn^mo$m H$m` lr Ama. nmYgmaYr
6 emgZ/EMAma/AmV[aH$ boIm/Ad{e> {df` lr gmo_oda amd ~ygr
7 _`dVu lr nr. {h_{H$aU
lr ~r. Eg. d|H$Qo>e
8 EO|gr {dVaU lr amOoda JJwbm
gwlr nr. H$m{Vlr
9 E\$ ES> E (OrdZ Ama Ja-OrdZ) lr A_w d|H$Q> a_U
gwlr O_wZm MmYar
lr Or. {edam_H$U
10 lr {~dOrV g_a AmV[aH$ boIm-narjm Ama dVZ
11 {Zdoe lr {~dOrV Xmg
lr gmX amd Ho$.
12 gd}jH$ lr_Vr {Z{_fm lrdmVd
13 {Xr H$m`mb`- gnH$ H$m` lr_Vr _Ow AamoS>m
14 {ZarjU lr Or. {edam_H$U
lr Or. am_~m~y
15 AmBQ>r/{d{Y/EgS>rS>r gwlr E. gJrZm
lr Xodo Hw$_ma
lr Abr_ A\$mH$
16 gVH$Vm lr _hoe AJdmb
gwlr ZrVy ehXmXnwar
17 gMma Ama _r{S>`m gwlr `mo{V ^JV

68
 dm{fH$ [anmoQ>
^mJ-II
H$m`Umbr Ama n[aMmbZm| H$s g_rjm
II.1 ~r_m Ama nwZ~u_m H$n{Z`m| H$m {d{Z`_Z
g_rjmYrZ df Ho$ XmamZ m{YH$aU Zo ~r_m jo Ho$ gw`dpWV
{dH$mg Ho$ `moOZ Ho$ {bE {d{Z`m_H$ eVm] _| CoIZr` n[adVZ
{H$`o h& _hdnyU {d{Z`m_H$ n[adVZm| _| {ZZ{b{IV em{_b h:
AmBAmaS>rEAmB (g_ZwXoeZ AWdm AVaU H$s gyMZm H$s m{ H$s
{b{IV A{^drH${V XmZ H$aZo Ho$ {bE ewH$) {d{Z`_, 2015
II.1.1 ~r_m A{Y{Z`_ H$s Ymam 38(7) _| {H$`o J`o gemoYZ go
`h Anojm H$s JB h {H$ g_ZwXoeZ/AVaU H$s Zmo{Q>g H$s m{ H$s
{b{IV m{-drH${V XmZ H$aZo Ho$ {bE Omo ewH$ AXm {H$`m
OmZm Mm{hE dh {d{Z`_m| Ho$ mam {d{Z{X> {H$`m OmE& AV
m{YH$aU Zo AmBAmaS>rEAmB (g_ZwXoeZ AWdm AVaU H$s Zmo{Q>g
H$s m{ H$s {b{IV m{-gyMZm XmZ H$aZo Ho$ {bE ewH$) {d{Z`_,
2015 {ZZ{b{IV H$mo {d{Z{X> H$aVo hE 29 Ab 2015 H$mo
A{Ygy{MV {H$`o h :
i. g_ZwXoeZ AWdm AVaU H$s gyMZm H$s m{ H$s {b{IV
A{^drH${V XmZ H$aZo Ho$ {bE ewH$ BboQ>m{ZH$ $n _|
Omar H$s JB nm{b{g`m| Ho$ g~Y _| `50 (nMmg n`o _m)
go A{YH$ Zht hmoJm VWm BboQ>m{ ZH$ H$mo N>mSo >H$a A` H$ma
go Omar H$s JB nm{b{g`m| Ho$ g~Y _| `100 (EH$ gm n`o
_m) go A{YH$ Zht hmoJm& ~r_mH$VmAm| Ho$ {bE `h
Amd`H$ h {H$ do C$ A{^drH${V XmZ H$aZo H$s godm
H$aVo g_` ewH$ H$s dgybr, {H$`o J`o dmV{dH$ ``m| Ho$
AmYma na H$a| Ama do Bg g~Y _| H$moB A{V[a$ bmJV|
^m[aV Zht H$a|Jo&
ii. `h ^r n> {H$`m J`m h {H$ g_ZwXoeZ AWdm AVaU Ho$
g~Y _| H$moB ^r A` ewH$ dgyb Zht {H$`m Om`oJm&
AmBAmaS>rEAmB (OrdZ ~r_m H$s nm{bgr Ho$ YmaH$ mam Zm_mH$Z
Ho$ {ZagZ AWdm n[adVZ H$mo nOrH$V H$aZo Ho$ {bE ewH$) {d{Z`_,
2015
2015-16
II.1.2 ~r_m A{Y{Z`_, 1938 H$s Ymam 39(3) _| {H$`o J`o
gemoYZ go `h Anojm H$s JB {H$ Zm_mH$Z Ho$ {ZagZ AWdm n[adVZ
H$mo nOrH$V H$aZo Ho$ {bE ~r_mH$Vm mam ^m[aV {H$`m OmZodmbo
ewH$ H$mo {d{Z`_m| Ho$ mam {d{Z{X> {H$`m OmE& AV m{YH$aU Zo
{ZZ{b{IV H$mo {d{Z{X > H$aVo h E 29 A b 2015 H$mo
AmBAmaS>rEAmB (OrdZ ~r_m H$s nm{bgr Ho$ YmaH$ mam Zm_mH$Z
Ho$ {ZagZ AWdm n[adVZ H$mo nOrH$V H$aZo Ho$ {bE ewH$) {d{Z`_,
2015 A{Ygy{MV {H$`o&
i. Zm_mH$Z Ho$ {ZagZ AWdm n[adVZ H$mo nOrH$V H$aZo Ho$
{bE ewH$ BboQ>m{ZH$ $n _| Omar H$s JB nm{b{g`m| Ho$
g~Y _| `50 (nMmg n`o _m) go A{YH$ Zht hmoJm VWm
BboQ>m{ZH$ $n H$mo N>moS>H$a A` H$ma go Omar H$s JB
nm{b{g`m| Ho$ g~Y _| `100 (gm n`o _m) go A{YH$ Zht
hmoJm&
ii. OrdZ ~r_m H$s nm{bgr H$mo Omar H$aVo g_` AWdm CgHo$
~mX {H$gr ^r g_` AWdm Zm_mH$Z go g~{YV {H$gr ^r
A` godm Ho$ {bE Zm_mH$Z H$mo nOrH$V H$aZo Ho$ {bE H$moB
ewH$ dgyb Zht {H$`m Om`oJm& ~r_mH$VmAm| H$mo C$ ewH$
H$s dgybr dmV{dH$ ``m| Ho$ AmYma na H$aZr Mm{hE Ama
do H$moB A{V[a$ bmJV| ^m[aV Zht H$a|Jo&
iii. Zm_mH$Z AWdm CgHo$ {ZagZ AWdm CgHo$ n[adVZ H$mo
nOrH$V H$aZo Ho$ Ame` H$s EH$ {b{IV A{^drH${V
~r_mH$V `{$ H$mo o{fV H$s OmEJr&
iv. Vmd \$m_ Ho$ _m`_ go nm{bgr Ho$ ma^ _| nm{bgrYmaH$
mam bmJy {H$`o J`o VWm nm{bgr XVmdoO H$s AZwgyMr _|
~r_mH$Vm mam XO {H$`o J`o Zm_mH$Z H$mo ~r_mH$Vm mam
{d{Y_m` A{^drH${V Ho$ $n _| _mZm OmEJm&
69
 dm{fH$ [anmoQ>
AmBAmaS>rEAmB (`dgm` Ho$ WmZ) {d{Z`_, 2015
II.1.3 ~r_m A{Y{Z`_, 1938 H$s Ymam 64drgr _| {H$`o J`o
gemoYZm| H$mo XoIVo hE m{YH$aU Zo dV_mZ `dgm` Ho$ WmZ {d{Z`_
2013 (^maV Ho$ AXa pWV H$m`mb`m| Ho$ {bE bmJy) VWm {XZmH$
21/01/2009 Ama 23/05/2013 Ho$ XmoZm| {Xem{ZX}em| H$s
g_rjm H$s h Omo H$_e {dXoer ~r_m H$nZr (emIm H$m`mb` g{hV)
H$m H$m`mb` ImobZo VWm ^maVr` ~r_m H$nZr mam ^maV Ho$ ~mha
{dXoe _| {V{Z{Y/ gnH$ H$m`mb` ImobZo go g~{YV h& XmoZm|
H$m`mb` WmZ {d{Z`_ 2013 VWm BZ XmoZm| {Xem{ZX}em| Ho$ g~{ YV
Cn~Ym| H$mo ~r_m A{Y{Z`_ H$s Ymam 64drgr Ho$ AYrZ {Z{hV
e{$`m| Ho$ AZwgma {d{Z`_ 2015 H$mo A{Ygy{MV H$aZo Ho$ {bE
Cn`w$ $n _| AZwHy${bV {H$`m J`m h& 2015 Ho$ {d{Z`_m| _| (21
OwbmB 2015 H$mo A{Ygy{MV) m{YH$aU Zo ^maV Ho$ AXa `dgm`
Ho$ WmZ Ama ^maV Ho$ ~mha `dgm` Ho$ WmZ ImobZo Ho$ {bE
_mZXS>m| H$mo {d{Z{X> {H$`m h& Hw$N> _w`-_w` {deofVmE {ZZmZwgma
h-
i. ^maV Ho$ AXa `dgm` Ho$ WmZm| Ho$ {bE, A` ~mVm| Ho$
gmW-gmW `h {d{Z{X> {H$`m J`m h {H$ g^r ~r_mH$VmAm|
Ho$ nmg ~r_mH$Vm H$s `mdgm{`H$ `moOZmAm| Ho$ A{V[a$
`oH$ {dmr` df Ho$ {bE ~moS> mam AZw_mo{XV dm{fH$
`mdgm{`H$ `moOZm hmoJr VWm Cg_| Z Ho$db ehar Ho$m|,
~pH$ AY-ehar Ama Jm_rU Ho$m| _| ^r ImobZo Ho$ {bE
Vm{dV `dgm` Ho$ Z`o WmZm| H$s Hw$b g`m {Z{hV hmoJr&
C$ {d{Z`_m| Zo `h ^r {d{Z{X> {H$`m h {H$ Imobo JE g^r
`dgm` Ho$ WmZm| na nm{bgrYmaH$m| H$s `yZV_ godmE XmZ
H$s OmEJr, Ogo r{_`_ H$s dgybr, Vmd O_mam{e`m|
H$s dgybr AWdm nm{bgr godm g~Yr AZwamoYm| na H$madmB
H$aZm&
ii. ^maV Ho$ AXa `dgm` Ho$ WmZ ~X H$aZo AWdm WmZ
~XbZo Ho$ {bE A` ~mVm| Ho$ gmW-gmW `h {d{Z{X> {H$`m
J`m h {H$ g^r Vm{dV WmZ-n[adVZm| AWdm g_mnZm|
Ho $ g ~ Y _| Cg `dgm`-WmZ mam go d m-Xm
70
2015-16
nm{bgrYmaH$m| H$mo `yZV_ Xmo _hrZo H$s gyMZm Ch| godmE
XmZ H$aZo Ho$ {bE CnbY H$amB JB dH$pnH$ `dWmAm|
H$s gyMZm Ho$ gmW Xr OmEJr&
iii. EH$ gnH$ H$m`mb` (EbAmo) AWdm EH$ {V{Z{Y H$m`mb`
(AmaAmo) ImobZo Ho$ {bE {d{Z{X> _mZXS>& AmaAmo AWdm
EbAmo mam {H$`o OmZo Ho$ {bE AZw_V H$m`H$bmn Ama A`
g~{YV Cn~Y&
iv. EH$ {dXoer emIm H$m`mb` ImobZo Ho$ {bE {d{Z{X> _mZXS>,
nmVm _mZXS>, {dXoer emIm H$m`mb` Ho$ AZw_moXZ H$mo
{Z`{V H$aZodmbr eV] VWm {dXoer emIm H$m`mb` Ho$ {bE
n[aMmbZJV AnojmE&
AmBAmaS>rEAmB (Jm_rU Ama gm_m{OH$ jom| Ho$ {V
~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2015
II.1.4 ~r_m A{Y{Z`_, 1938 H$s Ymam 32~r Ho$ gemoYZ _|
eX "Jm_rU" Ama Z`o Cn~Y A~ Bg H$ma nTo> OmVo h "`oH$
~r_mH$Vm ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU A{Y{Z`_,
1999 Ho$ ma^ Ho$ ~mX Jm_rU Ama gm_m{OH$ jo _| OrdZ ~r_m
`dgm` Ama gmYmaU ~r_m `dgm` Ho$ Eogo {VeVm| H$m Xm{`d
boJm Ogo {H$ Bg Co` go m{YH$aU mam gaH$mar amOn _| {d{Z{X>
{H$`o Om gH$Vo h&" ~r_m A{Y{Z`_ H$s Ymam 32 ~r Ho$ Z`o Cn~Ym|
H$mo bmJy H$aZo Ho$ {bE m{YH$aU Zo _mOyXm Jm_rU AWdm gm_m{OH$
jo {d{Z`_ 2002 H$s g_rjm H$s h VWm AmBAmaS>rEAmB (Jm_rU
Ama gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_ 2015
AJV 28, 2015 H$mo A{Ygy{MV {H$`o& BZ {d{Z`_m| H$s _w`-
_w` ~mV| Bg H$ma h :
i. 2015 {d{Z`_m| _| {d{Z{X> Xm{`d {dmr` df 2016-17
go bmJy h&
ii. X{ZH$ _OXya, {H$am`o H$m MmbH$ Ama Hw$br Ogr lo{U`m| H$mo
OmoS>Zo Ho$ mam AgJ{R>V jo H$s n[a^mfm _| d{ H$s JB&
 dm{fH$ [anmoQ>
iii. CZ Cn~Ym| H$mo hQ>m`m J`m {Ohm|Zo AmBAmaS>rEAmB
A{Y{Z`_, 1999 Ho$ ma^ H$s VmarI H$mo dV_mZ
~r_mH$VmAm| Ho$ {bE AbJ Xm{`d {ZYm[aV {H$`o Wo VWm
Ho$db "~r_mH$Vm Ho$ H$m`H$mb" Ho$ $n _| _mZXS> Ho$ gmW hr
g^r ~r_mH$VmAm| Ho$ {bE {VeVm| Ho$ EH$g_mZ _mZXS>
{ZYm[aV {H$`o J`o&
iv. dm` ~r_mH$VmAm| Ho$ {bE Jm_rU Ama gm_m{OH$ Xm{`dm|
Ho$ AbJ {VeV {ZYm[aV {H$`o J`o `m|{H$ dm` ~r_m
A~ ~r_m {d{Y gemoYZ A{Y{Z`_, 2015 Ho$ AZwgma
`dgm` H$s EH$ AbJ loUr h&
v. OrdZm| H$s nyU g`m Ho$ dV_mZ Cn~Y Ho$ WmZ na gm_m{OH$
jo Xm{`dm| Ho$ {bE {nN>bo {dmr` df Ho$ Hw$b `dgm` na
OrdZm| H$m {VeV (%) {ZYm[aV {H$`m J`m h&
vi. gaH$ma mam m`mo{OV gm_m{OH$ gwajm `moOZmE Ohm g_yMm
t{_`_ gaH$ma mam dhZ {H$`m OmVm h, XmoZm| Jm_rU Ama
gm_m{OH$ jo Xm{`dm| Ho$ {bE {hgm~ _| Zht br OmZr
Mm{hE VWm `h Cn~Y {dmr` df 2017-18 go bmJy h&
vii. ^maVr` H${f ~r_m H$nZr {b. VWm ^maVr` {Z`mV F$U
JmaQ>r {ZJ_ Ho$ {bE CZHo$ `dgm` Ho$ d$n Ho$ H$maU H$moB
Xm{`d {ZYm[aV Zht {H$`o J`o h&
viii. g^r gy_ ~r_m nm{b{g`m gm_m{OH$ jo Xm{`dm| Ho$ {bE
nm h VWm `{X `o Jm_rU jo _| Omar H$s OmVr h Vmo `o XmoZm|
Jm_rU Ama gm_m{OH$ jo Xm{`dm| Ho$ {bE nm h&
ix. ~r_mH$Vm BZ {d{Z`_m| Ho$ AZwgma Jm_rU Ama gm_m{OH$
jom| _| `mdgm{`H$ Xm{`dm| Ho$ ghr dJuH$aU Ho$ {bE ^mdr
n[aMmbZJV {H$`mE Wm{nV H$aoJm&
x. BZ Xm{`dm| H$s ny{V Ho$ {bE dmV{dH$ `mdgm{`H$ {ddaU
VwV H$aVo hE {dmr` df H$s g_m{ go 90 {XZ Ho$ AXa
2015-16
grBAmo AWdm YmZ A{YH$mar mam EH$ dm{fH$ _mUn
Xm{Ib H$aZo H$s Amd`H$Vm h&
xi. Jm_rU Ama gm_m{OH$ jom| Ho$ g~Y _| ~r_mH$VmAm| Ho$
Xm{`dm| H$s JUZm H$aVo g_` nwZ~u_m r{_`_ H$mo em{_b
Zht H$aZm Mm{hE&
AmBAmaS>rEAmB (_moQ>a A` nj ~r_m `dgm` Ho$ g~Y _|
~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2015
II.1.5 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 H$s Ymam 32S>r
H$m AZwnmbZ H$aZo Ho$ {bE m{YH$aU Zo ~r_m gbmhH$ma g{_{V Ho$
gmW nam_e H$aZo Ho$ ~mX, _moQ>a ~r_m `dgm` H$aZodmbo ~r_mH$VmAm|
Ho$ `yZV_ Xm{`d Ho$ {bE H$m`n{V ~VmVo hE 2 OyZ 2015 H$mo
AmBAmaS>rEAmB (_moQ>a A` nj ~r_m `dgm` Ho$ g~Y _|
~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2015 Omar {H$`o&
AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU) {d{Z`_,
2015
II.1.6 ~r_m A{Y{Z`_ 1938 _| gemoYZ hmoZo Ho$ n[aUm_d$n,
AmBAmaS>rE A{Y{Z`_, 1999 H$s Ymam 2(1)(E\$) Ho$ AZwgma
H$manmoaoQ> EO|Q>m| H$mo _`dVu Ama ~r_m _`dVu Ho$ $n _| n[a^m{fV
{H$`m J`m h& BgHo$ H$maU Bg IS> Ho$ {bE {d{Z`_m| H$m Z`m goQ>
Omar H$aZo H$s Amd`H$Vm hB& Bg {Xem _| m{YH$aU Zo {hVYmaH$m|
H$s {Q>n{U`m| Ho$ {bE H$manmoaoQ> EO|Q>m| Ho$ {bE Vm{dV {d{Z`_m|
Ho$ AVJV Xmo EgnmoOa m$n Omar {H$`o h& C$ m$n Ho$ g~Y _|
~r_m gbmhH$ma g{_{V H$s ~R>H$ _| Ed m{YH$aU H$s ~R>H$ _|
MMm H$s JB h& m{YH$aU mam BgH$m AZw_moXZ {H$`m J`m h VWm
AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU) {d{Z`_, 2015
{XZmH$ 20 AJV 2015 Ho$ \$m. g. AmBAmaS>rE/AmaBOr/12/
102/ 2015 Ho$ O[a`o A{Ygy{MV {H$`o J`o h Omo 01.04.2016
H$mo dm hm|Jo&
71
 dm{fH$ [anmoQ>
Bg {d{Z`_ H$s Hw$N> _w`-_w` ~mV| {ZZmZwgma h:
(H$) EH$ H$m a nmo a o Q > EO| Q > (OrdZ) A{YH$V_ VrZ OrdZ
~r_mH$VmAm| Ho$ gmW CZHo$ ~r_m CnmXm| H$s Anojm H$aZo,
Ch| m H$aZo Ama godm XmZ H$aZo Ho$ {bE `dWm H$a
gH$Vm h&
(I) EH$ H$manmoaoQ> EO|Q> (gmYmaU) A{YH$V_ VrZ gmWmaU
~r_mH$VmAm| Ho$ gmW CZHo$ ~r_m CnmXm| H$s Anojm H$aZo,
Ch| m H$aZo Ama godm XmZ H$aZo Ho$ {bE `dWm H$a
gH$Vm h& BgHo$ Abmdm, H$manmoaoQ> EO|Q> (gmYmaU) Eogo
~r_mH$VmAm| Ho$ gmYmaU ~r_m CnmXm| H$s IwXam `dWmAm|
Ama dm{Up`H$ `dWmAm| H$s Anojm H$aoJm, m H$aoJm
Ama godm XmZ H$aoJm {OZHo$ nmg g^r ~r_mAm| H$mo gp_{bV
H$aZo na {V Omo{I_ Hw$b ~r{_V am{e nmM H$amoS> n`o go
A{YH$ Z hmo&
(J) EH$ H$manmoaoQ> EO|Q> (dm`) A{YH$V_ VrZ dm`
~r_mH$VmAm| Ho$ gmW CZHo$ ~r_m CnmXm| H$s Anojm H$aZo,
Ch| m H$aZo Ama godm XmZ H$aZo Ho$ {bE `dWm H$a
gH$Vm h&
(K) H$manmoaoQ> EO|Q> (gp_l) Ho$ _m_bo _| IS> (H$) go (J) VH$
_| {d{Z{X> $n _| eV] bmJy hm|Jr&
(L>) ~r_m H$n{Z`m| Ho$ gmW `dWm _| H$moB ^r n[adVZ m{YH$aU
Ho$ nyd AZw_moXZ Ho$ gmW Ama dV_mZ nm{bgrYmaH$m| H$s aI
aImd Ho$ {bE Cn`w$ `dWmAm| Ho$ gmW hr {H$`m OmEJm&
(M) EH$_m ~r_m {dVaU H$aZodmbm AmdoXH$ `yZV_ nMmg
bmI H$s B{$Q>r eo`a nyOr AWdm AeXmZ Ama {Zdb
_m{b`V (ZoQ> dW) aIoJm& do ha g_` C$ ZoQ> dW H$mo
~Zm`o aI|Jo&
2015-16
(N>) EH$ ~ma Omar {H$`m J`m nOrH$aU CgHo$ {ZJ_ H$s VmarI
go VrZ df Ho$ {bE dY hmoJm, O~ VH$ {H$ Cgo BZ {d{Z`_m|
Ho$ AZwgaU _| {Zb{~V AWdm {ZaV Zht {H$`m OmVm&
(O) `oH$ H$manmoaQo > EO|Q> m{YH$aU Ho$ nmg nOrH$aU H$s Anojm
H$aVo g_` ~r_m CnmXm| H$s Anojm H$aZo Ama CZH$s g{dqgJ
Ho$ VarHo$ na ~moS> AWdm CgHo$ g_H$j mam AZw_mo{XV Zr{V
Xm{Ib H$aoJm& C$ Zr{V Iwbr gaMZm Ho$ XeZ H$mo JhU
H$aZo Ama CgHo$ H$m`md`Z _| AmJo ~T>Zo Ho$ VarHo$ H$m
g_mYmZ H$aoJm& C$ Zr{V A` ~mVm| Ho$ gmW-gmW EH$b
AWdm ~h{dY Vmb_ob `dWmE, Vmb_ob `dWmAm| _|
^mJrXma, `dgm` H$m {_lU, {dH$sV CnmXm| Ho$ H$ma,
{eH$m`V {ZdmaU `dWm Ama [anmo{Q>J AnojmE aIZo _|
H$manmoaoQ> EO|Q> mam AZwgaU {H$`o OmZodmbo {>H$moU H$mo
gp_{bV H$aoJr&
(P) H$manmoaoQ> EO|Q> m{YH$aU H$mo AnZo H$m`mb`m| H$m {ddaU
{OZ_| dh ~r_m CnmXm| H$m {dVaU H$aZm MmhVm h VWm
{d{Z{X> `{$`m| H$m {ddaU CZH$mo m{YH$aU mam Omar
{H$`o J`o _mUn H$s g`m g{hV H$Q> H$aoJm& BgHo$
Abmdm, H$manmoaoQ> EO|Q> mam {H$gr H$m`mb` H$mo ImobZo
AWdm ~X H$aZo H$s gyMZm m{YH$aU H$mo Xr OmEJr&
AV{Z{hV Or-goH$ Ho$ gmW {d{Z_` `mnm[aV {Z{Y`m| _|
{Zdoe g~Yr {Xem{ZX}e (OrAmBEbQ>r-BQ>rE\$)
II.1.7 ~r_mH$VmAm| H$mo Bg ~mV H$s AZw_{V Xr JB h {H$ do
`wMwAb \$S>m| _| {Zdoe Ho$ g_mZ hr "AZw_mo{XV {Zdoem|" Ho$ ^mJ Ho$
$n _| OrAmBEbQ>r-BQ>rE\$ _| {Zdoe H$a|& OrAmBEbQ>r-BQ>rE\$
~mOma _| g{H$` $n go `mnm[aV gaH$mar {V^y{V`m| Ho$ g_yh _|
AWdm gmdO{ZH$ $n go CnbY gyMH$mH$ Ho$ KQ>H$m| _| {Zdoe H$aVo
ah|Jo& ~r_mH$Vm mam `yZV_ {Zdoe {Z_mU EH$H$ AmH$ma ({H$EeZ
`y{ZQ> gmBO) go H$_ Zht hmoJm Ama {H$gr ^r g_` Cgo {H$EeZ
`y{ZQ> gmBO go H$_ Zht {H$`m OmEJm VWm {Zdoe Ho$ g_` {H$EeZ
`y{ZQ> gmBO H$m _y` 50 bmI n`o go A{YH$ Zht hmoJm& g_J
`` AZwnmV `moOZm H$s X{ZH$ {Zdb AmpV`m| Ho$ 0.50% go H$_
ahoJm&
72
 dm{fH$ [anmoQ> 2015-16

II.2 ~r_m `dgm` Ho$ gmW g~ d`{$H$ EO|Q> {H$`o Wo& {ZOr ~r_mH$VmAm| Zo 122 H$manmoaoQ> EO|Q>m| H$s godm g_m
H$s Wr O~{H$ 58 Z`o H$manmoaoQ> EO|Q> gp_{bV {H$`o J`o Wo&
II.2.1 df 2015-16 Zo d`{$H$ EO|Q>m| H$s g`m _| 2.48
{VeV H$s {JamdQ> XoIr& C$ g`m 31 _mM 2015 H$mo `Wm{d_mZ gmaUr II.2
20.68 bmI go KQ>H$a 31 _mM 2016 H$mo 20.17 bmI ahm& OrdZ ~r_mH$VmAm| Ho$ H$manmoaoQ> EO|Q>m|
O~{H$ {ZOr OrdZ ~r_mH$VmAm| mam 5.61 {VeV H$s d{ XO H$m {ddaU 2015-16
H$s JB, dht EbAmBgr Zo 8.77 {VeV H$s {JamdQ> XO H$s& g^r ~r_mH$Vm 1 Ab n[adYZ {dbmonZ 31 _mM
{ZOr OrdZ ~r_mH$VmAm| H$mo EH$gmW boZo na CZHo$ d`{$H$ EO|Q>m| 2015 H$mo 2016 H$mo
H$s VwbZm _| EbAmBgr Ho$ nmg CVa g`m _| d`{$H$ EO|Q> Wo& {ZOr Hw$b 361 58 122 297
df 2015-16 Ho$ AV _| O~{H$ EbAmBgr Ho$ EO|Q>m| H$s g`m EbAmBgr 142 12 35 119
10.62 bmI ahr, dht {ZOr jo Ho$ ~r_mH$VmAm| H$s VXZw$nr CmoJ Hw$b 503 70 157 416
g`m 9.55 bmI Wr&
_m`_-dma Z`m `dgm` H$m`{ZnmXZ
II.2.2 df 2015-16 Ho$ XmamZ {Z`w$ EO|Q>m| H$s Hw$b g`m
6.66 bmI Wr Ama godmg_m EO|Q>m| H$s g`m 7.17 bmI Wr& II.2.4 d`{$H$ Z`m `dgm` OrdZ
O~{H$ {ZOr ~r_mH$VmAm| Zo 3.46 bmI EO|Q>m| H$mo {Z`w$ {H$`m,
dht 2.95 bmI EO|Q>m| H$s godm g_m H$s JB& Xygar Amoa, EbAmBgr d`{$H$ EZ~r r{_`_ Ho$ {V d`{$H$ EO|Q>m| H$m AeXmZ 2014-
Ho$ _m_bo _| 4.21 bmI EO|Q>m| H$s godm g_m H$s JB O~{H$ CgZo 15 Ho$ 71.42% H$s VwbZm _| df 2015-16 Ho$ XmamZ KQ>H$a
3.19 bmI EO|Q>m| H$mo {Z`w$ {H$`m& 68.27% hmo J`m h&

EbAmBgr Zo d`{$H$ EO|Q>m| Ho$ _m`_ go AnZo d`{$H$ EZ~r

gmaUr II.1 r{_`_ H$m 96.50% m {H$`m Wm O~{H$ {ZOr jo Ho$ {bE
OrdZ ~r_mH$VmAm| Ho$ d`{$H$ EO|Q>m| d`{$H$ EO|Q>m| H$m Ae 31.90% Wm&
H$m {ddaU 2015-16
II.2.5 H$manmoaoQ> EO|Q>m| H$m Ae Omo 2014-15 Ho$ XmamZ 22.32
~r_mH$Vm 1 Ab n[adYZ {dbmonZ 31 _mM
2015 H$mo 2016 H$mo {VeV Wm, df 2015-16 _| 25.21 {VeV VH$ ~T> J`m Wm&
{ZOr Hw$b 904303 345855 295153 955005 {ZOr OrdZ ~r_mH$VmAm| mam m Z`o `dgm` r{_`_ _| H$manmoaQo >
EO|Q>m| H$m Ae 2015-16 _| 54.71 {VeV na CoIZr` Wm
EbAmBgr 1163604 319428 421472 1061560
(2014-15 _| `h 50.72 {VeV Wm)& Xygar Amoa, O~{H$
CmoJ Hw$b 2067907 665283 716625 2016565 d`{$H$ EO|Q>m| go EbAmBgr Zo Z`o `dgm` r{_`_ H$m 96.50
{VeV m {H$`m Wm, dht EbAmBgr Ho$ {bE H$manmoaoQ> EO|Q>m| H$m
~r_m `dgm` Ho$ gmW g~ _`dVu AeXmZ 2.32 {VeV Wm&
H$manmoaoQ> EO|Q> ~H$ Ama A` H$manmoaoQ> _m`_m| Ho$ ~rM, Hw$b Z`o `dgm` _| ~H$m|
H$m Ae 2014-15 Ho$ 20.84 {VeV go ~T>H$a 2015-16 _|
II.2.3 31 _mM 2016 H$s pW{V Ho$ AZwgma 416 H$manmoaoQ> EO|Q>
23.82 {VeV hmo J`m Wm&
Wo& O~{H$ 2015-16 Ho$ XmamZ 70 Z`o EO|Q> OwS> J`o Wo, 157
H$manmoaoQ> EO|Q>m| Ho$ bmBg|g {ZaV {H$`o J`o Wo& EbAmBgr Zo 35
H$manmoaoQ> EO|Q>m| H$s godm g_m H$s Wr Ama 12 Z`o bmBg|g Omar

73
 dm{fH$ [anmoQ> 2015-16

gmaUr II.3
2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m d`{$H$
Z`m `dgm` H$m`{ZnmXZ - _m`_-dma
(AmH$So> r{_`_ Ho$ {VeV _|)
OrdZ ~r_mH$Vm d`{$H$ H$manmoaoQ> Xbmb `j gy_ ~r_m gm_m` do~ AmB AmZ Hw$b [a\$ab
EO|Q> EO|Q> {dH$` EO|Q godm Ho$ gJmhH$ E_E\$ bmBZ d`{$H$
(grEggr) Z`m
~H$ A`* `dgm`
{ZOr Hw$b 31.90 51.70 3.00 3.64 8.65 0.01 0.004 0.00 0.00 1.10 100.00 0.06
EbAmBgr 96.50 2.18 0.14 0.02 1.03 0.06 0.00 0.00 0.00 0.07 100.00 0.00
CmoJ Hw$b 68.27 23.82 1.39 1.60 4.36 0.04 0.002 0.00 0.00 0.52 100.00 0.03
*~H$m| H$mo N>moS>H$a H$moB A` gWm, naVw H$manmoaoQ> EO|Q> Ho$ $n _| bmBg|g-m&
Bg_| BgH$m {dXoer Z`m `dgm` r{_`_ em{_b Zht h&
{Q>nUr: 1) Z`o `dgm` r{_`_ _| W_ df r{_`_ Ama EH$b r{_`_ em{_b h& .
2) ao\$ab `dWmAm| mam m AJVmE g~{YV _m`_m| _| em{_b H$s JB h&

`j {dH$` Ho$ Ae Zo 2015-16 _| d`{$H$ Z`o `dgm` H$m
4.36 {VeV XO {H$`m O~{H$ AmZbmBZ {dH$` _m`_ Zo df
2015-16 _| 0.52% H$m Ae XO {H$`m& nyd _| `h `j {dH$`
_m`_ _| em{_b Wm& O~{H$ {ZOr ~r_mH$VmAm| Zo `j {dH$` Ho$
_m`_ go AnZo Z`o `dgm` H$m 8.65 {VeV m {H$`m, dht
EbAmBgr Zo Bg _m`_ Ho$ mam AnZo Z`o `dgm` H$m 1.03
{VeV m {H$`m& {ZOr ~r_mH$VmAm| Zo AmZbmBZ {dH$` Ho$ _m`_
go AnZo Z`o `dgm` r{_`_ H$m 1.1% m {H$`m, O~{H$
EbAmBgr Zo Bg _m`_ go 0.07% m {H$`m&
d`{$H$ `dgm` Ho$ AVJV CmoJ Ho$ {V Xbmb _m`_, gy_
~r_m (E_AmB) EO|Q> _m`_ Ama gm_m` godm Ho$m| (grEggr)
H$m AeXmZ H$_e 1.60%, 0.04% Ama 0.002% h&
gm_y{hH$ Z`m `dgm`
II.2.6 `j {dH$` bJmVma gm_y{hH$ `dgm` Ho$ {bE ~b
_m`_ ~Zm hAm h, r{_`_ _| {OgH$m Ae 2015-16 Ho$ XmamZ
95.03 {VeV h& {nN>bo df _| VXZw$nr Ae 93.05 {VeV
Wm& Bg _m`_ Zo {ZOr Ama gaH$mar jom| Ho$ gm_y{hH$ EZ~r r{_`_
Ho$ {V H$_e 82.56% Ama 98.00% H$m `moJXmZ {H$`m Wm&

gmaUr II.4
2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m gm_y{hH$ Z`m `dgm` H$m`{ZnmXZ -_m`_-dma
(AmH$So> r{_`_ Ho$ {VeV _|)
OrdZ ~r_mH$Vm d`{$H$ H$manmoaoQ> Xbmb `j gy_ ~r_m gm_m` do~ AmB AmZ Hw$b [a\$ab
EO|Q> EO|Q> {dH$` EO|Q godm Ho$ gJmhH$ E_E\$ bmBZ d`{$H$
(grEggr) Z`m
*
~H$ A` `dgm`
{ZOr Hw$b 0.77 8.79 4.71 3.17 82.56 0.00 0.00 0.00 0.00 0.00 100.00 0.00
EbAmBgr 1.91 0.00 0.07 0.02 98.00 0.00 0.00 0.00 0.00 0.00 100.00 0.00
CmoJ Hw$b 1.69 1.69 0.96 0.63 95.03 0.00 0.00 0.00 0.00 0.00 100.00 0.00
*~H$m| H$mo N>moS>H$a H$moB A` gWm, naVw H$manmoaoQ> EO|Q> Ho$ $n _| bmBg|g-m&
Bg_| BgH$m {dXoer Z`m `dgm` r{_`_ em{_b Zht h&
{Q>nUr: 1) Z`o `dgm` r{_`_ _| W_ df r{_`_ Ama EH$b r{_`_ em{_b h& .
2) ao\$ab `dWmAm| mam m AJVmE g~{YV _m`_m| _| em{_b H$s JB h& .

74
 dm{fH$ [anmoQ> 2015-16

gmaUr II.5
2015-16 Ho$ {bE OrdZ ~t_mH$VmAm| H$m Z`m `dgm`
r{_`_ (d`{$H$ Ama gm_y{hH$) - _m`_-dma
(AmH$So> r{_`_ Ho$ {VeV _|)
OrdZ ~r_mH$Vm d`{$H$ H$manmoaoQ> Xbmb `j gy_ ~r_m gm_m` do~ AmB AmZ Hw$b [a\$ab
EO|Q> EO|Q> {dH$` EO|Q godm Ho$ gJmhH$ E_E\$ bmBZ d`{$H$
(grEggr) Z`m
~H$ A`* `dgm`
{ZOr Hw$b 20.13% 35.48% 3.65% 3.47% 36.59% 0.00% 0.00% 0.00% 0.00% 0.68% 100.00% 0.04%
EbAmBgr 33.68% 0.73% 0.09% 0.02% 65.43% 0.02% 0.00% 0.00% 0.00% 0.02% 100.00% 0.00%
CmoJ Hw$b 29.68% 10.99% 1.14% 1.04% 56.92% 0.02% 0.0007% 0.00% 0.00% 0.22% 100.00% 0.01%
*~H$m| H$mo N>moS>H$a H$moB A` gWm, naVw H$manmoaoQ> EO|Q> Ho$ $n _| bmBg|g-m&
Bg_| BgH$m {dXoer Z`m `dgm` r{_`_ em{_b Zht h&
{Q>nUr: 1) Z`o `dgm` r{_`_ _| W_ df r{_`_ Ama EH$b r{_`_ em{_b h&
2) ao\$ab `dWmAm| mam m AJVmE g~{YV _m`_m| _| em{_b H$s JB h&

{ZOr ~r_mH$VmAm| Ho$ gm_y{hH$ `dgm` Ho$ {bE EH$ Ama _hdnyU H$m `moJXmZ 1.04% Wm& AmZbmBZ {dH$` _m`_ Zo Z`o `dgm`
{dVaU _m`_ ~H$m| H$m Wm& df 2015-16 Ho$ XmamZ ~H$m| Zo {ZOr r{_`_ H$m 0.22% AeXmZ {H$`m Wm& gy_ ~r_m (E_AmB)
~r_mH$VmAm| Ho$ _m_bo _| Hw$b gm_y{hH$ `dgm` H$m 8.79 {VeV EO|Q>m| Ama gm_m` godm Ho$m| (grEggr) H$m AeXmZ H$_e
AeXmZ {H$`m& `h AmH$S>m {nN>bo df _| 10.36 {VeV na ahm& 0.02% Ama ey` {VeV na Wm&

EbAmBgr Zo AnZo nman[aH$ d`{$H$ EO|gr ~b Ho$ _m`_ go gd}jH$ Ama hm{Z {ZYmaH$
gm_y{hH$ `dgm` H$m 1.91 {VeV m {H$`m Wm O~{H$ {ZOr
~r_mH$VmAm| Zo Bg _m`_ Ho$ mam 0.77 {VeV m {H$`m&
MmQ> II.1: OrdZ ~r_mH$VmAm| H$m d`{$H$ Z`m
gm_y{hH$ `dgm` Ho$ AVJV CmoJ Ho$ EZ~r r{_`_ Ho$ {V Xbmbm| `dgm` r{_`_ - _m`_-dma
Ho$ _m`_ H$m AeXmZ 0.63% Wm&

d`{$H$ Ama gm_y{hH$ `dgm` H$m Hw$b `moJ

II.2.7 g_J Va na (d`{$H$ Ama gm_y{hH$ `dgm` H$mo EH$gmW

{_bmH$a) "`j {dH$`' Zo 2014-15 Ho$ 49.67 {VeV H$s
VwbZm _| Hw$b Z`o `dgm` Ho$ 56.92 {VeV H$m AeXmZ {H$`m
Wm& Hw$b r{_`_ _| d`{$H$ EO|Q>m| H$m Ae 2014-15 Ho$ 36.44
{VeV go KQ>H$a 29.68 {VeV hmo J`m Wm&

~H$m| VWm ~H$m| H$mo N>moS>H$a A` H$manmoaoQ> EO|Q>m| mam {H$`m J`m
AeXmZ H$_e 10.99 {VeV Ama 1.14 {VeV Wm& Xbmbm|

75
 dm{fH$ [anmoQ> 2015-16

MmQ> II.2: OrdZ ~r_mH$VmAm| H$m gm_y{hH$ Z`m MmQ> II.3: OrdZ ~r_mH$VmAm| H$m Z`m `dgm`
`dgm` r{_`_-_m`_-dma r{_`_ (d`{$H$ Ama gm_y{hH$)

II.2.8 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 mam gemo{YV

{d{Z`_ 12(2) -- gd}jH$m| AWdm hm{Z {ZYmaH$m| H$s {Z`w{$
~r_m A{Y{Z`_, 1938 H$s Ymam 64 `yE_ Ho$ AZwgma m{YH$aU
~r_mH$VmAm| AWdm ~r_mH$V `{$ mam {ZZ{b{IV Ho$ g~Y _|
mam {d{Z{X> $n _| e{jH$ `mo`Vm VWm ^maVr` ~r_m gd}jH$
~r_m H$s nm{bgr Ho$ AVJV hm{Z H$m {ZYmaU H$aZo Ho$ {bE H$s
Ama hm{Z {ZYmaH$ gWmZ (AmBAmBAmBEgEbE) H$s gX`Vm
OmEJr
gd}jH$ Ama hm{Z {ZYmaH$ Ho$ $n _| H$m` H$aZo Ho$ {bE {H$gr ^r
`{$ Ho$ {bE gm{d{YH$ AnojmE h& AmBAmaS>rEAmB (~r_m gd}jH$ (H$) _moQ>a ~r_m nMmg hOma n`o go A{YH$
Ama hm{Z {ZYmaH$) {d{Z`_, 2015 `mo`Vm Ho$ _mZXS> AZwgyMr ,
AZw~Y1 _| {d{Z{X> H$aVm h& (I) _moQ>a ~r_m H$mo N>moS>H$a A` EH$ bmI n`o go A{YH$

BgHo$ Abmdm, A{Y{Z`_ H$s Ymam 64 `yE_ H$s Cn-Ymam 4 H$hVm {d{Z`_ 12(3) Cn`w$ gr_m H$s g_rjm m{YH$aU mam `oH$
h {H$ "^maV _| K{Q>V Ama gmYmaU ~r_m H$s {H$gr ^r nm{bgr na VrZ df _| H$s OmEJr&
_y` _| m{YH$aU mam {d{Z`_m| _| {d{Z{X> am{e Ho$ g_mZ AWdm
II.2.9 ~r_m _`dVu hmoZo Ho$ ZmVo, gd}jH$m| H$mo ~r_m A{Y{Z`_,
Cggo A{YH$ H$m ^maV _| ^wJVmZ AWdm {ZnQ>mZ {H$`o OmZo Ho$ {bE
1938 H$s Ymam 42S>r Ho$ AYrZ nOrH$aU m H$aZm hmoJm VWm
Ano{jV hm{Z Ho$ g~Y _| Cn hmoZodmbm AWdm ~r_mH$Vm H$mo
bmBg|g H$m ZdrH$aU ha VrZ df _| H$admZm hmoJm& Ab 2015 go
gy{MV H$moB ^r Xmdm ^wJVmZ Ho$ {bE V~ VH$ drH$ma Zht {H$`m
_mM 2016 VH$ H$s Ad{Y Ho$ XmamZ {ejU Zm_mH$Z, d`{$H$
OmE AWdm CgH$m {ZnQ>Zm Z {H$`m OmE, O~ VH$ Eogo {H$gr `{$
Ama H$manmoaoQ> gd}jH$m| Ama hm{Z {ZYmaH$m| H$mo Z`o bmBg|g XmZ
go K{Q>V hm{Z na EH$ [anmoQ> m Zht H$s OmVr Omo gd}jH$ Ama
H$aZo Ama bmBg|gm| H$m ZdrH$aU H$aZo H$m {ddaU ZrMo {X`m J`m h&
hm{Z {ZYmaH$ ("AZw_mo{XV gd}jH$ Ama hm{Z {ZYmaH$' Ho$ $n _|
^r C{{IV) Ho$ $n _| H$m` H$aZo Ho$ {bE Bg Ymam Ho$ AYrZ Omar
{H$`m J`m bmBg|g Ym[aV H$aVm h& AmBAmaS>rEAmB (~r_m gd}jH$
Ama hm{Z {ZYmaH$) {d{Z`_, 2015 H$m {d{Z`_ 12 gd}jU g~Y r
gr_m {ZZmZwgma {ZYm[aV H$aVm h

76
 dm{fH$ [anmoQ> 2015-16

gmaUr II.6 ~r_m Xbmb

gd}jH$m| Ama hm{Z {ZYmaH$m| H$mo
Omar {H$`o J`o bmBg|g II.2.12 m{YH$aU Zo 2003 go ^maVr` ~mOma _| n[aMmbZ H$aZo
2014-15 2015-16 Ho$ {bE ~r_m Xbmbm| H$mo AZw_{V Xr VWm AmBAmaS>rE (~r_m Xbmb)
Z`o bmBg|g {d{Z`_, 2002 Ho$ Cn~Ym| Ho$ AZwgaU _| nhbm Xbmbr bmBg|g
d`{$H$ 182 260 30 OZdar 2003 H$mo Omar {H$`m J`m& BZ {d{Z`_m| H$m A{YH$_U
H$manmoaoQ> 5 8 df 2013-14 _| AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013
Cn- OmoS> 187 268 mam {H$`m J`m& BZ {d{Z`_m| Zo `j ~r_m Xbmbm| Ho$ {bE `50
ZdrH$aU
d`{$H$ 2137 1537 bmI, nwZ~u_m Xbmbm| Ho$ {bE `200 bmI Ama gp_l ~r_m
H$manmoaoQ> 20 24 Xbmbm| Ho$ {bE `250 bmI H$s nyOrJV Anojm {ZYm[aV H$s& C$
Cn-OmoS> 2157 1561 {d{Z`_ ~r_m Xbmbr _| {dXoer B{$Q>r gh^m{JVm Ho$ g~Y _| 26%
{ejUmWu Zm_mH$Z 753 947 H$s gr_m {ZYm[aV H$aVm h& VWm{n, `h gr_m ^maV gaH$ma mam
49% VH$ ~T>mB JB Omo ^maVr` ~r_m H$n{Z`m ({dXoer {Zdoe)
{eH$m`V| gd}jH$ Ama hm{Z {ZYmaH$ {Z`_, 2015 Ho$ O[a`o A{Ygy{MV H$s JB& ~r_m Xbmbr H$_e
bmoH${` hmo ahr h VWm nOrH$aUm| H$s g`m 2003 go boH$a 457
II.2.10 m{YH$aU H$m gd}jH$ bmBg|grH$aU {d^mJ gd}jH$m| go
VH$ ~T> JB h (31.03.2016 H$s pW{V Ho$ AZwgma)&
gd}jU H$m`m] Ho$ {bE gyMrH$aU (EnZb_|Q>), ~r_m H$n{Z`m| mam
gd}jU ewH$ H$m ^wJVmZ Z H$aZm, AmBAmBAmBEgEbE mam II.2.13 31.03.2016 H$s pW{V Ho$ AZwgma nOrH$V Xbmbm| H$s
gX`H$m H$m AdrH$aU, Am{X Ho$ g~Y _| {eH$m`V| m H$aVm h& 457 H$s Hw$b g`m _| go {d{Y_m` Xbmb 368 Wo Ama 89 M{bV
Eogr {eH$m`V| g~{YV ~r_m H$n{Z`m| Ama AmBAmBAmBEgEbE Zht h& 368 {d{Y_m` Xbmbm| _| go 315 `j Xbmb h, 47
H$mo CZHo$ Va na g_mYmZ Ho$ {bE o{fV H$s OmVr h& nm{bgrYmaH$ gp_l Xbmb Ama 6 nwZ~u_m Xbmb h& m{YH$aU Zo 1 Ab
^r gd}jH$m|/ gd}jH$ \$_m] Ho$ {d gd}jU [anmoQ> H$s {V Z 2015 go 31 _mM 2016 VH$ H$s Ad{Y Ho$ XmamZ 38 Z`o bmBg|g
{_bZo, gd}jU [anmoQ> H$s {ZJ_ _| {db~, H$XmMma, AmBAmaS>rEAmB Omar {H$`o h {OZ_| go 36 bmBg|g `j ~r_m Xbmb loUr _| h
(~r_m gd}jH$ Ama hm{Z {ZYmaH$) {d{Z`_, 2015 H$m CKZ, Ama 2 gp_l ~r_m Xbmb loUr _| h& EH$ dV_mZ bmBg|g H$m JoS>
Am{X Ho$ g~Y _| {eH$m`V H$aVo h& Eogr {eH$m`Vm| Ho$ g~Y _| `j ~r_m Xbmb go ~T>mH$a gp_l ~r_m Xbmb {H$`m J`m h
g_`mAm| Ho$ d[aV {ZnQ>mZ Ho$ {bE gd}jH$m| Ho$ gmW gnH$ {H$`m VWm EH$ dV_mZ bmBg|g H$m JoS> `j (gmYmaU) go ~T>mH$a
OmVm h& Cn`w$ Ho$ Abmdm, {d^mJ mam gd}jH$m| Ama H$manmoaoQ> `j (OrdZ Ama gmYmaU) H$a {X`m J`m h& BgHo$ Abmdm, 1
gd}jH$ \$_m] Ho$ {d {d{^ AmaQ>rAmB n Ama _mb` H$s `j ~r_m Xbmb Ama 1 `j nwZ~u_m Xbmb H$m bmBg|g CZHo$
{eH$m`V| ^r m H$s OmVr h& AnZo AZwamoY Ho$ AZwgma {_bm {X`m J`m h Ama EH$ gp_l ~r_m
Xbmb Ho$ $n _| n[ad{VV {H$`m J`m h&
II.2.11 df 2015-16 Ho$ XmamZ m{YH$aU Zo 97 {eH$m`V| m
H$s, 108 H$m g_mYmZ {H$`m J`m h Ama 31 _mM 2016 H$s pW{V
Ho$ AZwgma 1 ~H$m`m h&
gmaUr II.7
gd}jH$m| Ama hm{Z {ZYmaH$m| go g~{YV {eH$m`V|
g~{YV Ad{Y Ad{Y Ho$ ma^ _| ~H$m`m m g_mYmZ {H$`m Ad{Y Ho$ AV
J`m _| ~H$m`m
Ab 2014 _mM 2015 27 46 61 12
Ab 2015-- _mM 2016 12 97 108 1

77
 dm{fH$ [anmoQ> 2015-16

II.2.14 g_jmYrZ Ad{Y Ho$ XmamZ m{YH$aU Zo 124 ~r_m Xbmb gmaUr II.9
bmBg|gm| H$m ZdrH$aU {H$`m h& gemo{YV {d{Z`_m| Ho$ AZwgma 31.03.2016 H$mo ~r_m Xbmbm| Ho$
am`-dma H$m`mb`
~r_m Xbmb AnZo bmBg|g H$s g_m{ go 90 {XZ nhbo ZdrH$aU Ho$
H$_ ^maV Ho$ am`m| Ho$ Zm_ emImAm
{bE AmdoXZ H$a gH$Vm h& m{YH$aU ~r_m Xbmbm| Ho$ AZwnmbZ g. H$s g`m
Vam| H$s JwUdmm _| gwYma bmZo Ho$ {bE H$X_ CR>m ahm h& BZ_| go 1 _hmam> 281
Hw$N> Ho$ AVJV H$m`embmAm| H$m gMmbZ, ^maVr` ~r_m Xbmb 2. {Xr H$m am>r` amOYmZr jo 148
3. V{_bZmSw> 138
gK Ho$ gmW {Z`{_V $n go nana g{H$`Vm, Am{X em{_b h& 4. JwOamV 117
5. Cma Xoe 107
H$mJO-a{hV n[adoe H$s {Xem _| AJga hmoZo Ho$ {bE EH$ {ZdmaH$ 6. npM_ ~Jmb 103
H$X_ Ho$ $n _| {d^mJ Zo Z`o bmBg|gm| Ama ZdrH$aU hoVw AmdoXZm| 7. H$ZmQ>H$ 101
8. VobJmZm 72
Ho$ {bE 1 OZdar 2016 go {d^mJ _o `mdgm{`H$ {dbofUm_H$ 9. Ho$ab 60
n[a`moOZm (~rEnr) H$m`mpdV {H$`m, {Ogo 1 Ab 2016 go bmJy 10. AmY Xoe 55
{H$`m J`m& 11. amOWmZ 50
12. h[a`mUm 39
{ZZ{b{IV gmaUr 31.03.2016 H$s pW{V Ho$ AZwgma ^maV _| 13. nOm~ 36
14. _` Xoe 33
~r_m Xbmbr CmoJ H$s gmp`H$s XemVr h 15. {~hma 30
gmaUr II.8 16. Ag_ 26
~r_m Xbmbm| H$s gmp`H$s 17. PmaIS> 25
Hw$b eo`a nyOr `464.59 H$amoS>
18. Amo{S>em (CS>rgm) 23
19. N>mrgJT> 22
Hw$b {Zdb _m{b`V (ZoQ> dW) `2022.38 H$amoS> 20. MS>rJT> 17
Hw$b E\$S>rAmB `14.75 H$amoS> 21. {h_mMb Xoe 12
22. CmamIS> 9
23. O_y Ama H$_ra 7
do~ gJmhH$ 24. Jmodm 5
25. {nwam 2
II.2.15 m{YH$aU Zo ~r_m nm{b{g`m| H$s AmZbmBZ VwbZm Ama 26. _oKmb` 1
{dVaU H$aZo Ho$ {bE do~ gJm hH$ Ho$ $n _| kmV EH$ Umbr {dH${gV 27. {_Omoa_ 1
28. {g{$_ 1
H$aZo Ho$ {bE nhb H$s& `h nhb B-H$m_g _| {dH$mgerb d{m`m| 29. AX_mZ Ama {ZH$mo~ma rng_yh 1
H$mo `mZ _| aIVo hE ~r_m nm{b{g`m| Ho$ g^m{dV IarXmam| Ho$ {hV 30. nwXwMoar (nm{S>Moar) 1
Ho$ {bE H$s JB& m{YH$aU Zo ma^ _| Zd~a 2011 _| {d{^ ~r_m Hw$b `moJ 1523
H$n{Z`m| Ho$ ~r_m CnmXm| H$s VwbZm Ho$ {bE bmBg|g hoVw AmdoXZ
VXwnamV m{YH$aU Zo "AmBAmaS>rE (do~ gJm hH$) {d{Z`_, 2013'
H$aZo Ho$ {bE mmo{JH$sJV J{V H$m C`Z H$aZo Ho$ g~Y _| Cgmhr
Omar {H$`o VWm C$ {d{Z`_m| Ho$ AYrZ 5 do~ gJmhH$m| H$mo bmBg|g
C{_`m| H$mo g_W ~ZmZo Ho$ {bE {Xem{ZX}e Omar {H$`o Wo& C$
XmZ {H$`o& dV_mZ _| 16 do~ gJmhH$ {d_mZ h&
{Xem{ZX}em| Ho$ AmYma na m{YH$aU Zo 6 do~ gJmhH$m| H$mo bmBg|g
Omar {H$`o Wo&

78
 dm{fH$ [anmoQ> 2015-16

gmaUr II.10 7) gm_O` bmZo Ho$ {bE N>moQo> `mH$a{UH$ n[adVZ

m{YH$aU mam AZw_mo{XV do~ gJmhH$
(31 _mM 2016 H$s pW{V Ho$ AZwgma)
H$_ g. do~ gJm hH$ H$m Zm_
1 _JmoQ>r gmo`yeg m. {b.
2. H$m_oQ> B`moa|g do~ AJoJoQ>a m. {b.
3. nm{bgrEg.H$m_ B`moag| do~ AJJo Qo >a m. {b.
4 AmoE B`moa|g do~ AJoJoQ>g m. {b.
5 {\$ZJyb B`moa|g do~ AJoJoQ>a m. {b.
6 BOr nm{bgr B`moa|g do~ AJoJoQ>a m. {b.
7 nm{bgr ~mOma B`moa|g do~ AJoJoQ>a m. {b.
8 _mB B`moa|g b~ B`moa|g do~ AJoJoQ>a m. {b.
9 JoQ> B{S>`m B`moa|g do~ AJoJoQ>a m. {b.
10 q_Q> dmBO B`moa|g do~ AJoJoQ>g m. {b.
11 ~yZ B`moa|g do~ AJoJoQ>a m. {b.
12 H$noAa nm{bgr B`moag| do~ AJJo Qo >a m. {b.
13 ~m` _mQ> nm{bgr B`moa|g do~ AJoJoQ>a m. {b.
14 E_EgE\$ B`moag| do~ AJJo Qo >a m. {b.
15 nm{bgr _ B`moa|g do~ AJoJoQ>a m. {b.
16. So>pQ>ZoeZ B`moa|g do~ AJoJoQ>a m. {b.
gm_m` godm Ho$ {deof `moOZ _m`_ (Egnrdr)
II.2.18 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 Ho$ dVZ Ho$
n[aUm_d$n gm_m` godm Ho$m| (grEggr) H$mo _`dVu Ama
~r_m _`dVu H$s n[a^mfm _| em{_b {H$`m J`m h& A{Y{Z`_ _|
gemoYZm| Ho$ n[aUm_ Ho$ Vma na gm_m` godm Ho$m| g~Y r {Xem{ZX}em|
H$mo {d{Z`_m| Ho$ $n _| n[ad{VV {H$`m J`m& C$ {d{Z`_m| _|
{ZZ{b{IV n[adVZ em{_b h :
grEggr {d{Z`_m| mam Vm{dV ~r_m godmAm| H$s _w`
{deofVmE {ZZmZwgma h :
1. grEggr-Egnrdr ~r_m CnmXm| H$m {dnUZ H$a|Jo VWm CZ
~r_m H$n{Z`m| Ho$ grEggr ZoQ>dH$ Ho$ _m`_ go A` ~r_m
g~Yr godmE ^r Vm{dV H$a|Jo {Ohm|Zo grEggr-Egnrdr
Ho$ gmW H$ama {H$`m h&
2. grEggr-Egnrdr grEggr B-JdZg g{dgoO {b{_Qo>S>,
{deof `moOZ _m`_ h Omo grEggr ZoQ>dH$ Ho$ _m`_ go
^maV Ho$ ZmJ[aH$m| H$mo gaH$mar, {ZOr Ama gm_m{OH$ jo
godmAm| Ho$ {dVaU H$mo gwgm` ~ZmZo Ho$ {bE {ZJ{_V h&
3. {ZZ{b{IV Ho$ {bE `yZV_ nmVm eV], e{jH$ `mo`VmE
Ama {ejU H$s Anojm H$mo {d{Z`_m| _| {d{Z{X> {H$`m
J`m h
H$. grEggr-Egnrdr H$m YmZ A{YH$mar
I. grEggr-Egnrdr H$m AmaEnr&
4. grEggr-Egnrdr Ho$ YmZ A{YH$mar Cn`w$Vm H$m {ZYmaU
H$aZo Ho$ {bE `mo` Ama C{MV ({\$Q> ES> mona) _mZXS>
Vm{dV {H$`o J`o h&
5. grEggr-Egnrdr H$mo nOrH$aU, {d{Y_m`Vm XmZ H$aZo
Ama nOrH$aU Ho$ ZdrH$aU H$s {H$`m ^r {d{Z{X> H$s JB
h&

1) grEggr CnmX H$s n[a^mfm 6. grEggr T>mMo Ho$ AXa godm ^mJrXma EO|gr h {Og_| am`
mam nXZm{_V EO|gr AWdm godm Ho$ EO|gr AWdm grEggr
2) grEggr-Egnrdr Ho$ {bE AmMaU-g{hVm `moOZm Ho$ AVJV A` H$moB EO|gr em{_b h Omo Jm_-
Var` C_r (drEbB) H$mo {ejU, _mJXeZ Ama nam_e
3) AmZ ~mo{S>J ^ma
XmZ H$aoJr&
4) nm[al{_H$
7. Jm_rU m{YH$V `{$ (AmaEnr) Jm_-Var` C_r
5) OrdZ Ama gmYmaU ~r_m CnmXm| Ho$ {bE bmJy H$ma, {H$`m (drEbB) `{$ hmoJm Omo ~r_m CnmXm| H$m {dnUZ H$aZo
Ama eV] Ama ~r_o go g~{YV godmE XmZ H$aZo Ho$ {bE gm_m` godm
Ho$ H$m n[aMmbZ Ama ~Y H$aZo Ho$ {bE nOrH$V Ama
6) m{YH$aU Ho$ AmXoem| na EgEQ>r H$mo Anrb grEggr- Egnrdr mam m{YH$V hmo& Cgo 20 KQo> H$m

79
 dm{fH$ [anmoQ>
{ejU m H$aZm Mm{hE, EZAmBBEbAmBQ>r mam
gMm{bV narjm CmrU H$aZr Mm{hE VWm CgHo$ nmg 10dt
H$jm `m CgH$s g_H$j `yZV_ `mo`Vm hmoZr Mm{hE&
8. C$ {d{Z`_m| _| YmZ A{YH$mar, AmaEnr, grEggr-
Egnrdr Ama ~r_mH$VmAm| Ho$ {bE AmMaU-g{hVm VWm
H$V` Ama Xm{`d {ZYm[aV {H$`o J`o h& BZ {d{Z`_m| _|
JmhH$m| H$s {eH$m`Vm| na H$madmB H$s {H$`m H$s $naoIm Xr
JB h&
9. grEggr-Egnrdr, godm ^mJrXma EO|gr Ama AmaEnr Ho$
~rM nm[al{_H$, Xm H$_reZ Ho$ H$_e 8% go AZ{YH$,
12% go AZ{YH$ Ama 80% go A`yZ AZwnmV _| {d{Z{X>
{H$`m J`m h& VWm{n, AmaEnr mam Vm{dV H$s OmZodmbr
~r_m g~Yr godmAm| Ho$ g~Y _| {ZU` H$aZm grEggr-
Egnrdr Ama ~r_mH$Vm Ho$ ~rM N>moS> {X`m J`m h&
10. {V ~r_mH$Vm `20 bmI Ho$ AmZ-~mo{S>J ^ma, Omo EH$
{Zb~ (EH$mo) ImVo _| AXm {H$`o OmVo h, ~r_mH$VmAm| go
grEggr-Egnrdr mam _mJZo H$s AZw_{V Xr JB h Vm{H$
AmaEnr Va na ~m`mo-_o{Q>H$ Ama AmBAmaAmBEg CnH$a
H$s ~w{Z`mXr gaMZm H$mo gwgm` ~Zm`m Om gHo$, {Oh| g{H$`
hmoZo Ho$ g_` {Z_w$ {H$`m OmVm h&
11. grEggr-Egnrdr Bg _m`_ Ho$ AVJV EH$_m CnmXm|
H$m {dnUZ H$a|Jo {OZHo$ g~Y _| eX "grEggr" ma^ _|
hm|Jo& _moQ>a ~r_m Ho$ AVJV ~r{_V am{e H$mo N>moS>H$a BZ
nm{b{g`m| _| A{YH$V_ AZw_V ~r{_V am{e `2 bmI h&
dV_mZ _| \$mBb ES> `yO {Xem{ZX}em| Ho$ AVJV m{YH$aU
mam OrdZ ~r_mH$VmAm| Ho$ {Z`{_V r{_`_ ^wJVmZ go `w$
bm^a{hV Ag~ n[adVu ~r_m CnmX Ed {Z`{_V r{_`_
^wJVmZ go `w$ {dew gmd{Y ~r_m CnmX AZw_mo{XV {H$`o
J`o h& Bgr H$ma, _moQ>a ~r_m, d`{$H$ XwKQ>Zm ~r_m,
_doer/newYZ ~r_m, {H$gmZ H$s nH$o O nm{bgr VWm gmYmaU
~r_m H$m A{ (\$m`a) Ama g~ Omo{I_nyU {Zdmg ~r_m
H$mo m{YH$aU Zo AZw_moXZ XmZ {H$`m h&
2015-16
12. grEggr-Egnrdr Ama AmaEnr Ho$ {d AZwemg{ZH$
H$m`dmhr Ho$ {bE {H$`m{d{Y ^r Vm{dV {d{Z`_m| _|
{d{Z{X> H$s JB h&
13. C$ {d{Z`_m| _| ~r_mH$VmAm| Ama grEggr-Egnrdr mam
m{YH$aU H$mo VwV H$s OmZodmar [anmoQ]> ^r {d{Z{X> H$s JB
h&
14. grEggr-Egnrdr _m`_ Ho$ g~Y _| gmp`H$s 1.4.2016
go 31.8.2016 VH$ H$s Ad{Y Ho$ {bE {Z_mZwgma h
H$. CZ AmaEnr H$s g`m {Ohm|Zo {ejU m {H$`m
h Ama narjm CmrU H$s h VWm {Oh| _mUn Omar
{H$`o J`o h - 11,621
I. g J h rV Hw $ b r{_`_ (Z`m Am a ZdrH$aU)
`117.42 H$amoS>
J. Hw$b Z`m ~r_m r{_`_ `6.62 H$amoS> (gmYmaU)
+ `0.28 H$amoS> (OrdZ)
K. Hw$b ZdrH$aU r{_`_ `110.52 H$amoS> (OrdZ)
L>. godm Xm JmhH$m| H$s Hw$b g`m -- 3.78 bmI
M. ~r_mH$VmAm| H$s g`m {OZHo$ gmW H$ama hVmj[aV
{H$`o J`o h : gmYmaU 16, dm` 3, OrdZ 18
(14 ZdrH$aU) + 4 (Z`o Ama ZdrH$aU)
N>. ~oMr JB nm{b{g`m| H$s g`m i) _moQ>a A` nj
56,484; ii) nrE 4,521; iii) OrdZ ~r_m
2,622; iv) \$gb 1,187; v) A` 223
O. _moQ>a `mnH$, `mm ~r_m, \$gb ~r_m Ama gaH$mar
~r_m `moOZmAm| Ogo Z`o CnmX AZw_mo{XV CVmXm|
H$s gyMr _| OmoSo> J`o h&
80
 dm{fH$ [anmoQ> 2015-16

{~H$s H|$ {dHo$Vm Ja-OrdZ Ama dm` ~r_mH$Vm ~r_m H$nZr mam `m Cg ~r_m _`dVu mam AXm {H$`m
II.2.17 m{YH$aU Zo nm`m {H$ Eogo H$B `{$ h Omo ~r_m nm{b{g`m|
H$s Anojm Ama {dnUZ go g~{YV gab Ama Zo_r H$m`H$bmnm| go 7.
g~ h& CXmhaU Ho$ {bE _moQ>a ~r_m, `mm ~r_m, d`{$H$ XwKQ>Zm
~r_m, Am{X _| A{YH$me CnmXm| Ho$ {bE ~hV H$_ Omo{I_-AH$Z
Ano{jV h& `o A{YH$me Vma na nhbo go Omo{I_ A{H$V hmoVo h 8.
{OZ_| g^m{dV JmhH$ mam Xr JB gyMZm Ho$ AmYma na Umbr mam
~r_m nm{bgr dMm{bV $n go Cn H$s OmVr h& Eogo CnmX Ho$ 9.
{bE Amd`H$ hVjon AnV_ h VWm Eogo `{$`m| Ho$ {bE {ejU
Ama narjm `yZVa n[a_mU H$s hmo gH$Vr h&
Xoe _| ~r_m `dgm` H$s d{ H$mo gwgm` ~ZmZo VWm ~r_m `mnZ 10.
Ama ~r_m gKZVm H$mo ~T>mZo Ho$ {bE m{YH$aU Zo AnZr {dH$mgm_H$
H$m`gM
y r Ho$ ^mJ Ho$ $n _| "{~H$s H|$ {dH$o VmAm|" g~Y r {ZZ{b{IV
{Xem{ZX}e Omar {H$`o&
C$ {Xem{ZX}em| H$s _w`-_w` ~mV| {ZZmZwgma h :
1. "{~H$s H|$ {dHo$Vm" Omo Ho$db m{YH$aU mam AZw_mo{XV
Hw$N> nhbo go Omo{I_-A{H$V CnmXm| H$s Anojm Ama {dnUZ
H$a gH$Vo h&
2. `oH$ "{~H$s H|$ {dH$o Vm" CgH$s AmYma H$mS> g`m AWdm
CgHo$ nZ H$mS> mam nhMmZm OmEJm&
OmEJm Omo Cg `{$ H$mo m`mo{OV H$a ahm h&
{ejU _mS>yb H$s _oO~mZr EZAmBBEbAmBQ>r do~gmBQ>
na m{YH$aU mam AZw_mo{XV $n _| H$s OmEJr&
dh EZAmBBEbAmBQ>r mam Am`mo{OV AmZbmBZ narjm _|
CnpWV hmoJm Omo narjm {ZH$m` hmoJm&
narjm _| g\$bVmny d H $ CmrU hmo Z o Ho $ ~mX Cgo
EZAmBBEbAmBQ>r mam "{~H$s H|$ {dHo$Vm" Ho$ $n _|
_m{UV H$aVo hE EH$ _mUn Omar {H$`m OmEJm&
EH$ "{~H$s H|$ {dHo$Vm" {H$gr ~r_m H$nZr AWdm ~r_m
_`dVu H$m {V{Z{Yd H$a gH$Vm h&
11. C$ "{~H$s H|$ {dHo$Vm" Ho$db {ZZ{b{IV nyd-Omo{I_-
A{H$V CnmX hr ~oM gH$Vm h&
H$. Xwn{h`m, {ZOr H$ma Ama dm{Up`H$ dmhZm| Ho$ {bE
_moQ>a `mnH$ ~r_m nHo$O nm{bgr&
I. Xwn{h`m, {ZOr H$ma Ama dm{Up`H$ dmhZm| Ho$ {bE
A` nj Xo`Vm (EoQ> AmoZbr) nm{bgr&
J. d`{$H$ XwKQ>Zm nm{bgr

3. m{YH$aU mam AZw_mo{XV Eogo nhbo go Omo{I_-A{H$V K. `mm ~r_m nm{bgr

CnmXm| H$s Anojm Ama {dnUZ H$aZodmbo `{$ "{~H$s H|$
{dHo$Vm" H$hbmEJo& L>. Jh ~r_m nm{bgr

4. C$ "{~H$s H|$ {dHo$Vm" H$_ go H$_ 10dt H$jm CmrU M. m{YH$aU mam {d{e> $n go AZw_mo{XV H$moB A`
hmoJm& nm{bgr&

5. dh "{~H$s H|$ {dH$o Vm" Ho$ {bE {d{Z{X> AmZbmBZ {ejU
m H$aZo Ho$ {bE Cg ~r_m H$nZr AWdm ~r_m _`dVu
mam EZAmBBEbAmBQ>r H$mo m`mo{OV {H$`m OmEJm {OgHo$
nmg dh H$m` H$aoJm&
6. C$ AmZbmBZ {ejU Ama narjm Ho$ {bE ewH$ `500
go A{YH$ Zht hmoJm Omo EZAmBBEbAmBQ>r H$mo `m Vmo Cg
12. "{~H$s H|$ {dHo$Vm" Ho$ _m`_ go ~oMr JB `oH$ nm{bgr
AbJ go nhMmZr OmEJr Ama Zm_ go nhbo "nrAmoEg
(CnmX H$m Zm_)" hmoJm&
13. ~r_m H$nZr m{YH$aU Ho$ nmg gyMZmW \$mBb ES> `yO
{Xem{ZX}em| Ho$ AYrZ CnmX H$mo \$mBb H$aoJr&

81
 dm{fH$ [anmoQ>
14. `oH$ Vmd \$m_ Mmho dh H$mJO na hmo AWdm H$mJO-
a{hV $n _| hmo, ~r_m nm{bgr Ama A` g~{YV XVmdoO
AmYma H$mS> g`m AWdm nZ H$mS> H$mo XO H$aZo Ho$ {bE
`dWm go `w$ hm|Jo {Oggo nm{bgr H$mo "{~H$s H|$ {dHo$Vm"
Ho$ gmW g~ {H$`m Om gHo$ Omo Cn`w$ nm{bgr H$mo ~oM ahm
h&
15. Vmd \$m_ AWdm ~r_m nm{bgr _| "{~H$s H|$ {dHo$Vm"
H$s AmYma H$mS> g`m AWdm nZ H$mS> g`m H$mo XO H$aZo
Ho$ {bE ~r_m H$nZr CmaXm`r hmoJr& ~r_m H$nZr "{~H$s H|$
{dHo$Vm" Ho$ AmMaU Ho$ {bE {O_oXma hmoJr Omo CgH$m
{V{Z{Yd H$a ahm h&
16. ~r_m _`dVu Ho$ _m`_ go {H$`o OmZodmbo {dH$` Ho$ {bE
~r_m _`dVu Vmd \$m_ _| "{~H$s H|$ {dH$o Vm" H$s AmYma
H$mS> g`m AWdm nZ H$mS> g`m H$mo XO H$aoJm Ama ~r_m
nm{bgr _| Eogm hr H$aZo Ho$ {bE ~r_m H$nZr go Anojm
H$aoJm& ~r_m _`dVu AnZo mam {Z`w$ "{~H$s H|$ {dHo$Vm"
Ho$ AmMaU Ho$ {bE {O_oXma hmoJm VWm {~H$s H|$ {dHo$Vm
H$s Amoa go H$moB ^r H$XmMma Cgo A{Y{Z`_ Ho$ AZwgma XS>
Ho$ {bE ^mJr ~Zm`oJm&
17. ~r_m _`dVu Ho$ nOrH$aU _mUn H$m ZdrH$aU H$aVo
g_` {OZ H$maH$m| na {dMma {H$`m OmEJm CZ_| go EH$ ~r_m
_`dVu Ho$ a{OQ>am| _| {d_mZ "{~H$s H|$ {dHo$Vm" H$m
AmMaU hmoJm&
18. 31 AJV 2016 H$s pW{V Ho$ AZwgma {ddaU {ZZmZwgma
h II.3.3
H$) nOrH$V C_rXdmam| H$s g`m 2,536
I) C_rXdmam| H$s g`m {Ohm|Zo narjm Xr -- 1,639
J) C_rXdmam| H$s g`m {Ohm|Zo narjm CmrU H$s 838
K) m`moOH$ EO|{g`m -- i) ~r_mH$Vm -- 8
ii) ~r_m Xbmb -- 25; H$manmoaoQ> EO|Q> -- 4
2015-16
L>) m`moOH$ EO|{g`m| Ho$ "{~H$s H|$ {dHo$VmAm|"
(nrAmoEg) H$s g`m -
i)~r_mH$Vm -- 115 ii) ~r_m Xbmb -- 670;
H$manmoaoQ> EO|Q> -- 53
M) 16 gmYmaU Ama dm` ~r_mH$VmAm| Ho$ 192
CnmX AZw_mo{XV {H$`o J`o&
N>) AZw_mo{XV CnmXm| H$s gyMr _| _doer/ newYZ ~r_m,
H${f nngoQ> ~r_m, A{ (\$m`a) Ama g~
Omo{I_nyU {Zdmg, \$gb ~r_m Ama gaH$ma mam
m`mo{OV ~r_m `moOZmAm| Ogo Z`o CnmX gp_{bV
{H$`o J`o&
II.3 ~r_m {ejU go g~ `mdgm{`H$ gWmZ
II.3.1 ^maVr` ~r_m jo Zo ~r_m {ejU, {ejU Ama AZwgYmZ
Ho$ {bE _mJ _| d{ XoIr h& Bg pW{V Ho$ hmoVo hE m{YH$aU ~r_m
{ejU go g~ g^r `mdgm{`H$ gWmZm| VWm ^maV _| Ama {dXoem|
_| ~r_m {ejU go g~{YV A` {V{>V `mdgm{`H$ gWmZm| Ama
gJR>Zm| Ho$ gmW gnH$ _| ahVm h&
II.3.2 m{YH$aU Zo df 2002 _| VH$mbrZ AmY Xoe gaH$ma Ho$
gh`moJ go ~r_m Ama g~{YV {df`m| _| {ejU Ama `mdgm{`H$
nmR>H$_ CnbY H$amZo Ho$ {bE EH$ `mdgm{`H$ gWmZ AWm
~r_m Ama Omo{I_ ~Y gWmZ (AmBAmBAmaE_) H$s WmnZm
H$s& m{YH$aU C$ gWmZ Ho$ `mgm| _| Cgo bJmVma g_WZ Xo ahm
h&
^maVr` ~r_m gWmZ (AmBAmBAmB) do~ gJmhH$m|,
H$manmoaoQ> EO|Q>m| Ama ~r_m {dnUZ \$_m] Ho$ {bE {ejU {ZH$m`
Ama narjm {ZH$m` XmoZm| h& dh Xbmbm| Ho$ {bE {ejU {ZH$m`
VWm EO|Q>m| H$s ^Vu-nyd narjmAm| Ho$ {bE narjm {ZH$m` ^r h& Bg
gWmZ Zo gd}jH$m| H$s {d{^ narjmAm| Ho$ {bE nmR>H$_ H$s {df`-
dVw V`ma H$a ahm h VWm gd}jH$m| H$s narjmE ^r gMm{bV H$a
ahm h& Bg gWmZ Zo gm_m` godm Ho$ {Xem{ZX}em| Ho$ AYrZ Jm_
Var` C{_`m| Ho$ {bE nmR>H$_ ^r V`ma {H$`m h&
82
 dm{fH$ [anmoQ> 2015-16

gmaUr II.11
2015-16 H$s Ad{Y Ho$ {bE Xm`a {H$`o J`o _m_bm| H$m {ddaU
H$_ Xm`a {H$`o J`o _m_bm| H$m `moam Ja- EM Ama dm` grES>r OrdZ Xbmb Hw$b
g. OrdZ
1. gdm} `m`mb` 1 0 0 0 0 0 1
2. {d{^ C `m`mb`m| _| Xm`a [aQ> `m{MH$mE 23 6 5 0 2 2 38
3. {V^y{V Anrb `m`m{YH$aU 0 0 0 0 0 5 5
4. {d{^ C `m`mb`m| _| Xm`a [aQ> Anrb|, EbnrE 0 0 0 0 0 0 0
5. {d{^ C `m`mb`m| _| Xm`a g_rjm/nwZWmnZ `m{MH$mE 0 0 0 0 0 0 0
6. C `m`mb`m| _| Xm`a Ad_mZZm `m{MH$mE 1 0 0 0 0 0 1
7. Cn^mo$m _m_bo (S>rgrE\$+EggrS>rAmagr) 0 0 0 46 0 0 46
8. XrdmZr d bmoH$ AXmbV _m_bo 0 0 0 20 0 0 20
9. E_EgrQ>r _m_bo 0 0 0 1 0 0 1
10. OZ{hV dmX 0 0 0 0 0 0 0
11. Amnam{YH$ `m{MH$mE 0 0 0 0 0 0 0
Hw$b 25 6 5 67 2 7 112
gmaUr II.12 2015-16 H$s Ad{Y Ho$ {bE {ZnQ>m`o J`o/ Im[aO {H$`o J`o
_m_bm| H$m {ddaU
H$_ {ddaU Ja EMAma dm` grES>r OrdZ Xbmb Hw$b
g. OrdZ
H$ I H$ I H$ I H$ I H$ I H$ I H$ I
1. gdm} `m`mb` 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2. {d{^ C `m`mb`m| _| {ZnQ>mB
JB [aQ> `m{MH$mE 0 6 0 0 0 1 0 0 0 1 0 0 0 8
3. {V^y{V Anrb `m`m{YH$aU 0 0 0 0 0 0 0 0 0 0 1 0 1 0
4. {d{^ C `m`mb`m| _| {ZnQ>mB
JB [aQ> Anrb|, EbnrE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
5. {d{^ C `m`mb`m| _| {ZnQ>mB JB
g_rjm/nwZWmnZ `m{MH$mE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
6. C `m`mb`m| _| {ZnQ>mB JB
Ad_mZZm `m{MH$mE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7. Cn^mo$m _m_bo 0 0 0 0 0 0 0 7 0 0 0 0 0 7
8. XrdmZr d bmoH$ AXmbV _m_bo 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 E_EgrQ>r _m_bo 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 OZ{hV dmX 0 0 0 0 0 0 0 0 0 0 0 0 0 0
11 Amnam{YH$ `m{MH$mE 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Hw$b 0 6 0 0 0 1 0 7 0 1 0 0 1 15
*H$ AmBAmBS>rEAmB H$mo {ZXoem| Ho$ gmW ** I AmBAmaS>rEAmB H$mo {ZXoem| Ho$ {~Zm
II .3.4 ^maVr` ~r_m gd}jH$ Ama hm{Z {ZYmaH$ gWmZ h& gd}jH$ H$m bmBg|g XmZ H$aZo Ho$ {bE Bg gWmZ H$s gX`Vm
(AmBAmBAmBEgEbE) m{YH$aU mam d{VV Ama Wm{nV VWm A{Zdm` h& `h gWmZ EH$ d-{Z`{V {ZH$m` Ho$ $n _| H$m`
H$nZr A{Y{Z`_, 1956 H$s Ymam 25 Ho$ AYrZ {ZJ{_V EH$ gWmZ H$aVm h&

83
 dm{fH$ [anmoQ>
II.3.5 ^maVr` ~r_mH$H$ gWmZ (AmBEAmB) H$s n[afX _|
m{YH$aU H$m g{d{YH$ {V{Z{Yd h, Omo ^maV _| ~r_mH$H$m| Ho$
`dgm` Ho$ {d{Z`_Z Ho$ {bE EH$ gm{d{YH$ Ama `mdgm{`H$
{ZH$m` h& BgHo$ Co`m| _| A` ~mVm| Ho$ gmW-gmW ~r_mH$H$ Ho$
`dgm` Ho$ gX`m| mam {H$`o OmZodmbo `dhma H$mo {d{Z`{_V H$aZm
^r em{_b h& ~r_m {ejU go g~{YV EH$ Ama CoIZr` g_pdV
~Y {dmb` am>r` ~r_m AH$mX_r (EZAmBE), nwUo h Omo gWmJV
Ama d`{$H$ AmYma na AZwgYmZ Ama nam_e g~Yr H$m`H$bmnm|
H$m dVZ, {dH$mg Ama nmofU H$aVm h&
II.4 dmX, Anrb| Ama `m`mb`m| Ho$ {ZU`
II.4.1 2015-16 Ho$ XmamZ gdm} `m`mb`, {d{^ C
`m`mb`m|, {g{db AXmbVm|, _moQ>a XwKQ>Zm Xmdm `m`m{YH$aUm|
(E_EgrQ>r), Ama bmoH$ AXmbVm| Ho$ g_j Xm`a {H$`o J`o _m_bm|
Ho$ Vma na dmXm| Ed {ZnQ>m`o J`o / Im[aO {H$`o J`o _m_bm| H$m ^r
{ddaU gmaUr II.11 Ama II.12 _| {X`m J`m h&
II.5 ~r_m _| AVaam>r` gh`moJ
II.5.1 AmBAmaS>rEAmB Kaoby Vma na {d{Z`m_H$ Cnm` ma^
H$aZo Ama Ch| H$m`mpdV H$aZo Ho$ gmW hr AVaam>r` gdm}m_ WmAm|
H$mo AnZmZo Ho$ _hd H$mo drH$ma H$aVm h& Bg gX^ _| Ama AnZo
{d{Z`m_H$ Co`m| H$mo ~T>mdm XoVo hE AmBAmaS>rEAmB {d{^
AVaam>r` gJR>Zm|, \$moa_m| Ama {dXoer {d{Z`_ZH$VmAm| Ho$ gmW
g~Y ~Zm`m hAm h& AmBAmaS>rEAmB {dmr` df 2015-16 _|
^r AVaam>r` H$m`jo _| {ZaVa g{H$` $n go g{b ahm h Ama
`moJXmZ H$a ahm h&
_wI AVaam>r` g{bVm AVaam>r` ~r_m n`dojH$ gK
(AmBEAmBEg) Ho$ gmW Omar h, Omo ~r_m jo Ho$ n`dojU Ho$ {bE
{gmV, _mZH$ Ama A` ghm`H$ gm_Jr {dH${gV H$aZo Ama CZHo$
H$m`md`Z _| ghm`Vm XmZ H$aZo Ho$ {bE {O_oXma EH$ AVaam>r`
_mZH$ {ZYmaH$ {ZH$m` h& AmBEAmBEg gX`m| Ho$ {bE AnZo
AZw^dm| H$s gmPoXmar H$aZo VWm ~r_m n`dojU Ama ~r_m ~mOmam|
H$mo g_PZo Ho$ {bE EH$ _M CnbY H$amVm h& AmBAmaS>rEAmB Ho$
{V{Z{Y`m| Zo AmBEAmBEg g{_{V H$s {d{^ ~R>H$m| _| ^mJ {b`m
h VWm _mZH$ {ZYmaU Ama H$m`md`Z g~Y r J{V{d{Y`m| _| `moJXmZ
{H$`m h&
2015-16
AmBAmaS>rEAmB {dm _mb` Ama ^maVr` [aOd ~|H$ (Ama~rAmB)
H$mo {dmr` pWaVm ~moS> (E\$Eg~r) Ho$ ~r_m jo g~Yr _m_bm| _|
Mmby H$m` Ho$ g~Y _| {ZaVa {dMma Ama {Z{d{>`m CnbY H$amVm
ahm h& {dmr` pWaVm ~moS> Eogm AVaam>r` {ZH$m` h {Ogo {dd _|
{dmr` jo {d{Z`m_H$ gwYmam| Ho$ H$m`md`Z H$mo ~T>mdm XoZo H$m
Xm{`d Or20 mam A{YXoem_H$ Vma na gmnm J`m h&
~r_m jo Ho$ {d{Z`_ZH$Vm Ho$ $n _| AnZr A` n[adVu
{V~VmAm| Ho$ ^mJ Ho$ $n _| AmBAmaS>rEAmB Zo AVaam>r`
{df`m|/ g{Y`m| Ama {dmr` jo g~Yr dmVmAm| Ho$ g~Y _| ^maV
gaH$ma H$mo {Z{d{>`m CnbY H$amB h, {dXoer {V{Z{Y`m| H$s
_wbmH$mVm| H$s _oO~mZr Ama Am`moOZ {H$`m h&
{nm{jH$ dMZ~Vm Ho$ Vma na AmBAmaS>rEAmB Zo gyMZm Ama
~r_m n`dojU g~Yr AZw^dm| Ho$ AmXmZ-XmZ Ho$ _m`_ go ~r_m
n`dojU Ho$ jo _| nman[aH$ {hVm| Ama gh`moJ H$mo ~T>mdm XoZo Ho$
Co` Ho$ gmW g`w$ Aa~ A_ramV (`yEB) Ho$ ~r_m m{YH$aU Ho$
gmW EH$ gh_{V kmnZ (E_Amo`y) {H$`m&
~r_m g~Yr nhbwAm| na A` Xoem| H$mo j_Vm {Z_mU ghm`Vm
CnbY H$amZo Ho$ g~Y _| AmBAmaS>rEAmB Zo AnV_ {dH${gV
Xoem| (EbS>rgr) H$mo ~r_m Ho$ {d{^ nhbwAm| na CZHo$ kmZ H$mo
gwYmaZo Ama CgH$m gdYZ H$aZo Ho$ Co` Ho$ gmW ~r_m godmAm| Ho$
jom| _| VH$ZrH$s ghm`Vm XmZ H$aZo H$m Vmd {H$`m& `h Vmd
gnH$ Ho$ {ddaU Ho$ gmW AmBAmaS>rEAmB H$s do~gmBQ> _| "AVaam>r`
H$m`" IS> Ho$ AVJV aIm J`m h&
A``Z Xmao Ho$ ^mJ Ho$ $n _| A\$Jm{ZVmZ ~r_m H$m{_H$ gK
(EAmBnrE) H$m EH$ {V{Z{Y _S>b \$adar 2016 _| hXam~mX
pWV AmBAmaS>rEAmB Ho$ H$m`mb` _| Am`m& Bg nana g{H$`Vm
Ho$ XmamZ C$ {V{Z{Y _S>b H$mo ^maV _| {d_mZ {d{Z`m_H$ gaMZm
Ama {H$`m Ho$ ~mao _| OmZH$mar Xr JB&
84
 dm{fH$ [anmoQ>
AmBEAmBEg Ho$ gmW g~Y
II .5.2 1994 _| Wm{nV AVaam>r` ~r_m n`dojH$ gK
(AmBEAmBEg) bJ^J 140 Xoem| H$m {Z$nU H$aZodmbo m` 200
A{YH$ma-jom| Ho$ ~r_m n`dojH$ m{YH$aUm| H$m {V{Z{Yd H$aVm
h&
AmBEAmBEg dpdH$ ~r_m {gmV, _mZH$ Ama _mJXeu n Omar
H$aVm h, ~r_m n`dojU go g~{YV {df`m| na {ejU Ama g_WZ
XmZ H$aVm h VWm ~r_m n`dojH$m| Ho$ {bE ~R>H|$ Ama go{_Zma
Am`mo{OV H$aVm h& AmBEAmBEg {dmr` jo Ho$ A` _mZH$ {ZYmaH$
{ZH$m`m| Ed {dmr` pWaVm H$mo ~T>mdm XoZo Ho$ {bE H$m`aV AVaam>r`
gJR>Zm| Ho$ gmW K{Z>VmnydH $ H$m` H$aVm h& `h EH$ dm{fH$ g_obZ
Am`mo{OV H$aVm h Ohm n`dojH$, CmoJ Ho$ {V{Z{Y Ama A`
`dgm`r ~r_m jo H$s J{V{d{Y`m| Ama ~r_m {d{Z`_Z H$mo ^m{dV
H$aZodmbo {df`m| na {dMma-{d_e H$aVo h&
EH$ H$m`H$mar g{_{V {OgHo$ gX` {d{^ ^mJmo{bH$ jom| H$m
{V{Z{Yd H$aVo h, AmBEAmBEg H$m ZoVd H$aVr h& E{e`mB
jo go C$ H$m`H$mar g{_{V _| 5 gX` {V{Z{Yd H$aVo h& A`j,
AmBAmaS>rEAmB E{e`mB jo H$m {V{Z{Yd H$aZodmbo gX`m| _|
go EH$ h VWm A` gX` MrZ, OmnmZ, H$mo[a`m Ama qgJmnwa Ho$
~r_m {d{Z`_ZH$Vm h&
AmBEAmBEg g{_{V`m / H$m`Xb
II.5.3 AmBAmaS>rEAmB H$s Xmo _wI g{_{V`m| AWm {dmr`
pWaVm Ed VH$ZrH$s Ama H$m`md`Z g{_{V`m| _| gh^m{JVm h& `o
g{_{V`m {dmr` pWaVm Ama H$m`md`Z Ed AmBEAmBEg n`dojr
gm_Jr Am{X Ho$ _y`mH$Z Ho$ jo _| _mZH$ {ZYmaU H$m`H$bmnm| H$s
{ZJamZr H$aVr h&
AmBEAmBEg g{_{V H$s Umbr Ho$ AVJV `oH$ g{_{V Zo AnZo
H$V`m| Ho$ {Zdmh _| ghm`Vm Ho$ {bE {d{^ H$m` Xbm| / H$m` ~bm|
H$s WmnZm H$s h& AmBAmaS>rEAmB H$s gh^m{JVm {dmr` g_mdoeZ,
H$manmoaoQ> A{^emgZ, ~mOma `dhma, g_{> {ddoH$nyU Zr{V Ama
{ZJamZr VWm nyOr {dH$mg Ho$ nhbwAm| H$s OmM H$aZodmbo
AmBEAmBEg H$m` Xbm| _| h& AmBAmaS>rEAmB Zo AmBEAmBEg
Ho$ {dmr` g_mdoeZ H$m` Xb _| EH$ _hdnyU ^y{_H$m AXm H$s h
VWm BgHo$ EH$ Zm{_Vr Zo C$ H$m` Xb H$s A`jVm H$s&
2015-16
AmBAmaS>rEAmB AmBEAmBEg Ho$ H$m` _| g{_{V`m|/ H$m` Xb/
H$m` ~bm| H$s ~R>H$m| _| ^mJ boZo VWm AmBEAmBEg Ho$ gd}jUm|/
Zmd{b`m|/ g_rjmAm| Ho$ {bE {V{H$`m CnbY H$amZo Ho$ mam
`moJXmZ H$aVm h& C$ {dMma-{d_e Ama OmZH$mar H$m AmXmZ-
XmZ dpdH$ ~r_m _mZH$m| Ho$ {Z_mU Ama AJrH$aU Ho$ $n _|
n[ad{VV hmoVo h& AmBEAmBEg H$s g{_{V`m|/ H$m` Xbm|/ H$m`
~bm| H$s ~R>H$m| _| gh^m{JVm Zo A`V Cn`moJr {Z{d{>`m CnbY
H$amB h VWm do AmBAmaS>rEAmB Ho$ AnZo Kaoby {Z`_-{Z_mU _|
~hV Cn`moJr ahr h&
~r_m {d{Z`_ZH$VmAm| H$m E{e`mB \$moa_
II.5.4 ~r_m {d{Z`_ZH$VmAm| H$m E{e`mB \$moa_ (EE\$AmBAma)
E{e`m Ama Amoe{Z`m jom| Ho$ ~r_m n`djo H$m| H$m EH$ _M h {OgH$s
WmnZm 2005 _| jor` ~r_m {d{Z`_Z gh`moJ na ~rqOJ KmofUm
Ho$ AmYma na H$s JB Wr& C$ KmofUm H$s gyMr _| 16 A{YH$ma-jo
h {Ohm|Zo {XZmH$ 23-05-2005 H$s ~rqOJ KmofUm na hVmja
{H$`o Wo Ama do h nrnwg [anpbH$ Am\$ MmBZm, hmJH$mJ, VmBnoB,
^maV, BS>moZo{e`m, OmnmZ, OmoS>Z, H$mo[a`m JUam`, _H$mD$,
_bo{e`m, Zonmb, nm{H$VmZ, {\${bnrg, qgJmnwa, WmBbS> Ama
{d`VZm_ (16 _| go 15 E{e`mB h Ama 1 _` nyd H$m h)& ES>r~r,
B`y, AmBEAmBEg, AmoBgrS>r, {dd ~H$, {_eZ [ap$g ZMwao{bg
(\$mg) Ogo AVaam>r` gJR>Zm| Zo EE\$AmBAma H$s ~R>H$m| _|
VwVH$Vm / d$m Ho$ $n _| ^mJ {b`m&
EE\$AmBAma H$s WmnZm ~r_m CmoJ Ama {d{Z`_Z go g~{YV
{df`m| na {dMmam| Ho$ AmXmZ-XmZ Ho$ {bE H$s JB h& BgHo$ AVJV
~r_m {d{Z`m_H$ Ama n`dojr m{YH$aU h Omo E{e`mB-Amoe{ZH$
jo Ho$ Va na gm_m` b` m H$aZo Ho$ b` go EH$gmW Am`o h&
EE\$AmBAma Ho$ gX` dm{fH$ Vma na ~R>H$ H$aVo aho h Ohm `oH$
gh^mJr A{YH$ma-jo ~mar-~mar go _oO~mZ Am`moOH$ h& gdW_
EE\$AmBAma g_obZ ~rqOJ _| 2006 _| Am`mo{OV {H$`m J`m
Ama CgHo$ CnamV {gAmob (2007), qgJmnwa (2008), MrZr-
VmBnoB (2009), OmnmZ (2010), WmBbS> (2011), _H$mD$
(2012), hXam~mX, ^maV (2013), ~rqOJ (2014) Ama H$mob~ mo
(2015) _| BgHo$ g_obZ Am`mo{OV {H$`o J`o& EE\$AmBAma
E{e`m _| EH$_m ~r_m n`dojr ZoQ>dH$ h& C$ g_obZ A{YH$ma-
85
 dm{fH$ [anmoQ>
jom| Ho$ {bE gX`-Xoem| _| hmo ahr J{V{d{Y`m| go d` n[a{MV hmoZo
VWm nana {hV H$s g_`mAm| Ama {df`m| na {dMmam| Ho$ {d{Z_`
Ho$ {bE EH$ {_bZ Wb CnbY H$amVm h&
EE\$AmBAma H$m 10dm g_obZ OwbmB 27-28 H$mo H$mob~ mo, lrbH$m
_| Am`mo{OV {H$`m J`m {Og_| EE\$AmBAma Ho$ H$m`m] H$s AmJo Ama
nhMmZ H$aZo Ama EE\$AmBAma V _| gwYma bmZo Ho$ {bE g{Mdmb`
Ho$ g_WZ Ho$ gmW EH$ H$m` ~b (Q>mH$ \$mog) ~ZmZo Ho$ {bE gh^mJr
gh_V hE& {Z`{_V H$m`gyMr Ho$ Abmdm, H$mob~mo _| EE\$AmBAma
Zo EE\$AmBAma H$mo AmnMm[aH$ $n XoZo Ho$ g~Y _| _wI _wm| na,
Ogo {ZYr`Z Ama A{^emgZ H$s gaMZm na {dVV $n go MMm
H$s& EE\$AmBAma H$s `dWm _| gwYma bmZo Ho$ {bE EE\$AmBAma
Zo `h Amd`H$ nm`m {H$ gHo$pV jom| Ama AmJo ~T>Zo Ho$ {bE
{d{e> H$m`H$bmnm| H$s nhMmZ H$s OmE& VXZwgma, EH$ H$m` ~b
(MrZ, hmJH$mJ, ^maV, OmnmZ, H$mo[a`m, qgJmnwa, lrbH$m, WmBbS >
Ama AmBEAmBEg g{Mdmb`) Zd~a 2015 _| Wm{nV {H$`m J`m
VWm gX` H$B MMmAm| Ho$ CnamV EH$ g_PmVo na nhM J`o {H$
EE\$AmBAma H$mo Mma nhbwAm| na \$moH$g H$aZm hmoJm Omo CZ lo{U`m|
Ho$ AVJV AmVo h AWm gyMZm H$m AmXmZ-XmZ, j_Vm {Z_mU,
jor` gh`moJ Ama A{^emgZ (JdZ]g) H$s gaMZm&
VXZwgma, C$ H$m` ~b (Q>mH$ \$mog) Zo MMm-nm| na _hrZm| H$m`
{H$`m VWm g_obZ H$mbm| Ama Am_Zo-gm_Zo H$s JB ~R>H$m| Ho$
_m`_ go do gdg_{V na nhM J`o& `o Mma MMm-n VmBnoB _|
EE\$AmBAma H$s dm{fH$ ~R>H$ _| MMm Ho$ {bE Vm{dV _wI
gm_Jr h&
AmBAmaS>rEAmB, ^maV Zo BZ MMm-nm| H$s V`mar Ho$ {bE _mJXeu
XVmdoO Ho$ $n _| EH$ $naoIm n A{^H$pnV H$aZo Ho$ mam AeXmZ
{H$`m VWm "j_Vm {Z_mU' na MMm-n H$m m$n ~ZmZo Ho$ mam
AnZr godm XmZ H$s&
AmBAmaS>rEAmB, ^maV EE\$AmBAma \$moa_ _| EH$ g{H$` gh^mJr
h VWm E{e`mB A{YH$ma-jom| Ho$ ~rM g_d` H$mo Ama _O~yV
H$aZo H$s Amd`H$Vm H$m g_WZ H$aVm h& EH$ ~S>r AW`dWm
Ama EH$ ~So> ~r_m ~mOma H$m {V{Z{Yd H$aZodmbo {d{Z`_ZH$Vm
Ho$ $n _| `h `m{eV h {H$ AmBAmaS>rEAmB {d{Z`m_H$ BQ>a\o$g
2015-16
Ho$ {bE qMVZ-{H$`m _| EH$ _wI ^y{_H$m H$m {Zdmh H$aoJm Ama
jo Ho$ j_Vm-{Z_mU _| `moJXmZ H$aoJm&
A` dMZ~VmE :
II.5.5 Or20/ {dmr` pWaVm ~moS> : {dmr` pWaVm ~moS>
(E\$Eg~r) EH$ AVaam>r` {ZH$m` h Omo {dmr` Um{b`m| H$s
Agwa{jVVmAm| H$m g_mYmZ H$aZo VWm {dmr` pWaVm Ho$ {hV _|
gwT> {d{Z`m_H$, n`dojr Ama A` Zr{V`m| Ho$ {dH$mg Ama
H$m`md`Z H$mo gMm{bV H$aZo Ho$ {bE Wm{nV {H$`m J`m h&
E\$Eg~r H$m EH$ _w` A{YXoe h {dmr` {d{Z`_Z na Or20 H$s
Zr{VJV KmofUmAm| H$mo H$m`mpdV H$aZm& E\$Eg~r _| ^maV H$m
{V{Z{Yd {dm _mb` (E_AmoE\$), ^maVr` [aOd ~H$
(Ama~rAmB) Ama ^maVr` {V^y{V Ama {d{Z`_ ~moS> (go~r) mam
{H$`m OmVm h&
E\$Eg~r H$s ~R>H$m| _| M{MV ~r_m g~Yr {df`m| na AnZo {dMma
Ama A{^_V {dm _mb` AWdm ^maVr` [aOd ~H$ H$mo CnbY
H$amZo Ho$ mam AmBAmaS>rEAmB E\$Eg~r Ho$ H$m` _| AeXmZ H$aVm
h& AmBAmaS>rEAmB E\$Eg~r Ho$ gd}jUm| / Zmd{b`m| /
g_rjmAm| Ho$ {bE {V{H$`mE ^r XoVm h&
II.5.6 ^maV H$s E\$Eg~r g_H$j g_rjm E\$Eg~r g_H$j
g_rjmE E\$Eg~r Ho$ AXa gh_{V-m {dmr` jo _mZH$m| Ama
Zr{V`m| Ho$ H$m`md`Z Ed Ano{jV n[aUm_ m H$aZo _| CZH$s
^mdm_H$Vm na \$moH$g H$aVr h& dpdH$ {dmr` pWaVm H$s {Xem
_| AnZr {V~Vm Ho$ ^mJ Ho$ $n _| ^maV 2015 _| EH$ E\$Eg~r
g_H$j ({n`a) g_rjm Ho$ AYrZ ahm& E\$Eg~r Zo EH$ g_H$j
g_rjm Q>r_ C$ g_H$j g_rjm H$aZo Ho$ {bE {Z`w$ H$s& C$
g_H$j g_rjm Zo Xmo {df`m| H$mo g_m{d> {H$`m (1) g_{> {ddoH$nyU
Zr{VJV T>mMm Ama (2) Ja-~qH$J {dm H$n{Z`m| H$m {d{Z`_Z
Ama n`dojU& {dm _mb` Ed {dmr` {d{Z`_ZH$Vm (go~r,
Ama~rAmB, AmBAmaS>rE, nrE\$AmaS>rE) Zo E\$Eg~r g_H$j
g_rjm Q>r_ mam n[aMm{bV {d{^ Zmd{b`m| Ho$ Cma {X`o&
E\$Eg~r g_H$j g_rjm Q>r_ Zo ^r AnZr g_H$j g_rjm H$m` Ho$
^mJ Ho$ $n _| _mM 07-11, 2016 Ho$ XmamZ ^maV _| EH$ AmZgmBQ>
Xmam {H$`m& E\$Eg~r g_H$j g_rjm H$s [anmoQ> 2016 H$s Xygar
N>_mhr _| H$m{eV hmoZodmbr h&
86
 dm{fH$ [anmoQ>
II.5.7 AmoBgrS>r AmBEZE\$B {dmr` {ejm g~Yr AVaam>r`
ZoQ>dH$ (AmBEZE\$B) {dmr` gmjaVm Ho$ _hd H$mo nhMmZH$a
AmoBg rS>r gaH$mam| mam 2008 _| ma^ {H$`m J`m& AmBAmaS>rEAmB
Ab 2012 _| AmoBgrS>r AmBEZE\$B H$m gX` ~Zm& `h {dmr`
{ejm na {dMmam| Ama AZw^dm| H$m {d{Z_` H$aZo Ho$ {bE gaH$mam|
H$mo EH$ {dbjU Zr{VJV \$moa_ CnbY H$amVm h& `h {dmr`
gmjaVm Ama {dmr` g_mdoeZ Ho$ g~Y _| {dd ^a _| H$s JB
nhbwAm| H$m gmPm H$aZo Ho$ {bE gh^m{J`m| H$mo g_W ~ZmVm h&
^mdnyU _y`mH$Z Ho$ {bE {gmVm| Ama dpdH$ n{V`m| H$m
EgnmoOa {dmr` gj_Vm Ama gdYZ Ho$ {bE Zdmo_of n{V`m| Ho$
~mao _| {ejm JhU H$aZo _| ghm`Vm H$aVm h&
{njr` dMZ~Vm
II.5.8 {njr` dMZ~Vm Ho$ Vma na AmBAmaS>rEAmB Zo g`w$
Aa~ A_ramV (`yEB) Ho$ ~r_m m{YH$aU Ho$ gmW EH$ gh_{V kmnZ
(E_Amo`y) ({XZmH$ 11/02/2016) H$a {b`m& Bg E_Amo`y H$m
Co` gh`moJ Ho$ {bE EH$ T>mMo Ho$ _m`_ go VWm {d{Z`m_H$ Ama
g~{YV n`dojr gyMZm Ho$ {d{Z_` Ho$ mam nana g_P _| d{
H$aVo hE ~r_m n`dojU Ho$ jo _| g~{YV m{YH$aUm| Ho$ ~rM
gh`moJ H$mo ~T>mdm XoZm h {Oggo CZH$s g~{ YV {d{Y`m| Ama {d{Z`_m|
H$m AZwnmbZ gw{ZpMV {H$`m Om gHo$&
_mb` gX^ {d{^ AVaam>r` g{Y`m| Ama dmVmAm| Ho$
{V AeXmZ
II.5.9 2015-16 Ho$ XmamZ AmBAmaS>rEAmB Zo ~r_m goQ>a go
g~{YV jom| _| {d{^ AVaam>r` dmVmAm| Ho$ g~Y _| ^maV gaH$ma
Ho$ gmW EH$ ^mdr Ama Cn`moJr g`moOZ Ho$ {V `moJXmZ H$aZm
Omar aIm&
Bg {Xem _| AmBAmaS>rEAmB {d{^ {nm{jH$ dmVmAm| Ho$ {bE
~r_m jo go g~{YV {d{^ Zm|, H$m`gyMr _Xm| Ama {df`m| na
{dm _mb` H$mo {Z{d{>`m CnbY H$amVm h& pdg dmBg o{gS|>Q>
Ed H$Zm{S>`Z noeZ, hZmoda ao Ama A` Ho$ _wIm| Ho$ gmW ~R>H$m|
Ho$ {bE ^r gaH$ma H$mo {Z{d{>`m CnbY H$amB JB&
2015-16
AmBAmaS>rEAmB Zo Xygar ^maV-H$ZmS>m Am{WH$ Ama {dmr` jo
Zr{V dmVm, {dmr` ~mOmam| g~Yr ^maV-OmnmZ dmVm, ^maV-`yHo$
Am{WH$ dmVm, ^maV-A_o[aH$m {d{Z`m_H$ dmVm, {~g Am{WH$
^mJrXmar H$ama, {dmr` godmAm| Ho$ gX^ _| ^maV-AmQ>o{b`m godmAm|
g~Yr dmVm, jor` `mnH$ Am{WH$ ^mJrXmar, Kaoby {d{Z`_Z _|
AZwemgZ VWm {dd `mnma gJR>Z Ama A` Ho$ ~rM {dmr` godmAm|
_| ^maV Ho$ gemo{YV Vmd Ho$ {bE ^r {Z{d{>`m CnbY H$amB&
AnV_ {dH${gV Xoem| Ho$ ~r_m jo Ho$ {dH$mg Ho$ {bE
VH$ZrH$s ghm`Vm
II.5.10 AnV_ {dH${gV Xoe (EbS>rgr) {dd g_wXm` Ho$
{ZYZV_ gX` h& AmO H$s pW{V _| g`w$ am> mam A{^{hV 48
EbS>rgr h {OZ_| go 34 A~ {dd `mnma gJR>Z Ho$ gX` h
O~{H$ A` Zm {dd `mnma gJR>Z _| gp_{bV hmoZo Ho$ {bE
~mVMrV H$a aho h& {dd `mnma gJR>Z Ho$ gX`m| Zo EbS>rgr H$mo
{deof A{Y_mZ XoZo Ho$ {bE gh_{V Xr h Omo {dd `mnma gJR>Z
Ho$ A` gX`m| H$mo XmZ Zht {H$`m Om gH$Vm&
{dd `mnma gJR>Z Ho$ A{YXoe, {dd `mnma gJR>Z Ho$ {d{Y-
H$m`md`Z g~Y r ({_{ZQ>r[a`b) g_obZm| Ho$ {ZU`m| Ama AnV_
{dH${gV Xoem| (EbS>rgr) mam {H$`o J`o AZwamoYm| Ho$ AZwgma {dd
`mnma gJR>Z Ho$ {dH${gV Xoe Ed {dH$mgerb Xoe gX`m| go
Ano{jV h {H$ `{X do Bg H$ma H$aZo H$s pW{V _| hm| Vmo dpN>H$
$n go EbS>rgr H$mo godmAm| _| `mnma _| A{Y_mZr `dhma XmZ
H$aZo na {dMma H$a|&
^maV AnV_ {dH${gV Xoem| Ho$ nj H$m ~b g_WH$ ahm h&
^maV gaH$ma Zo {dd `mnma gJR>Z _| godmAm| _| `mnma _| AnV_
{dH${gV Xoem| (EbS>rgr) H$mo ^maV mam A{Y_mZr `dhma H$s
A{YgyMZm Ho$ {bE AnZm AZw_moXZ {X`m& A{Y_mZr `dhma Ho$
jom| _| EbS>rgr H$mo VH$ZrH$s ghm`Vm XoZo H$s `dWm Ama j_Vm
{Z_mU em{_b h& ~r_m jo _| ^maV EbS>rgr Ho$ H$m{_H$m| H$mo
{ejU _| mW{_H$Vm XoZo Ama ~r_m nam_e godmE XmZ H$aZo Ho$
{bE {V~ h&
Bg {Xem _| AmBAmaS>rEAmB Zo {dH$mgerb / AnV_ {dH${gV
Xoem| H$mo ~r_m Ho$ {d{^ nhbwAm| Ho$ g~Y _| CZHo$ kmZ H$mo gwYmaZo
87
 dm{fH$ [anmoQ>
Ama Cgo ~T>mZo Ho$ Co` Ho$ gmW, CZH$s Amd`H$Vm Ho$ AmYma na
VH$ZrH$s {Z{d{>`m XmZ H$aZo Ho$ $n _| g_WZ XoZo Ho$ {bE nhb
H$s h& `h Vmd gnH$ Ho$ {ddaU Ho$ gmW AmBAmaS>rEAmB H$s
do~gmBQ> _| "AVaam>r` H$m`" IS> Ho$ AVJV aIm J`m h&
II.6 {eH$m`V|
g_pdV {eH$m`V {ZdmaU Umbr (AmBOrE_Eg)
II.6.1 AmBAmaS>rEAmB mam ma^ H$s JB AmBOrE_Eg ~r_m
CmoJ H$s {eH$m`Vm| H$m ^S>ma ([anmo{OQ>ar) h Omo Z Ho$db
~r_mH$VmAm| Ho$ gmW JmhH$m| H$s {eH$m`V| CR>mZo Ho$ {bE, ~pH$
~r_mH$VmAmo Ho$ {d nOrH$V JmhH$ {eH$m`Vm| na {d{^
{dbofUm_H$ [anmoQ]> Cn H$aZo Ho$ {bE ^r EH$ boQ>\$m_ CnbY
H$amVm h&
emgZ Ama gmdO{ZH$ {eH$m`V| {d^mJ (S>rEAmanrOr),
^maV gaH$ma
II.6.2 AmBAmaS>rEAmB Ho$ AmBOrE_Eg nmoQ>b _| XO {eH$m`Vm|
Ho$ Abmdm, ~r_mH$VmAm| Ho$ {d S>rEAmanrOr nmoQ>b _| XO
{eH$m`V| ^r AmBAmaS>rEAmB H$mo ^oOr OmVr h& AmBAmaS>rEAmB
{Z`{_V $n go OrEAmanrOr Ho$ nmoQ>b _| nhM
Vm h VWm `h gw{ZpMV
H$aVm h {H$ ~r_m jo go g~{YV {eH$m`V| S>mCZbmoS> H$s OmVr h
Ama ~r_mH$VmAm| mam CZH$s OmM H$aZo Ho$ {bE Amd`H$ H$madmB
H$s OmVr h&
OrdZ ~r_mH$Vm
II.6.3 2015-16 Ho$ XmamZ ~r_m H$n{Z`m| Zo AnZo mam g^mbr
H$B {eH$m`Vm| _| go 99.56 {VeV {eH$m`Vm| H$m g_mYmZ {H$`m&
{ZOr OrdZ ~r_mH$VmAmo Zo gy{MV H$s JB {eH$m`Vm| Ho$ 99.36
{VeV H$m g_mYmZ {H$`m, O~{H$ EbAmBgr Zo 100 {VeV
{eH$m`Vm| H$m g_mYmZ {H$`m, {OgHo$ n[aUm_d$n 31.3.2016
H$mo EbAmBgr Ho$ nmg H$moB b{~V {eH$m`V| Zht Wt&
Ogm {H$ Cn`w$ go XoIm Om gH$Vm h, {eH$m`V {ZdmaU {Xem{ZX}em|
Ho$ Vma na AmBOrE_Eg Ho$ AZwgma dJuH$aU 2014-15 H$s VwbZm
_| 2015-16 Ho$ XmamZ AZw{MV `dgm` WmAm| Ho$ AVJV
{eH$m`Vm| _| 3% H$s gr_mV H$_r VWm Xmdm|, A` Ama nm{bgr
2015-16
MmQ> II.4 {nN>bo 2 dfm] Ho$ XmamZ m OrdZ
{eH$m`Vm| H$m dJuH$aU
g{dqgJ Ho$ AVJV gy{MV {eH$m`Vm| _| 1% d{ {Z{X> H$aVm h&
Vmd gH$aU Ama `y{bn g~Yr {eH$m`Vm| Ho$ AVJV {eH$m`Vm|
Zo {nN>bo 2 dfm] Ho$ XmamZ Hw$b {eH$m`Vm| _| go dhr Ae ~Zm`o aIm
h&
Ja-OrdZ ~r_mH$Vm
II.6.4 Ja-OrdZ ~r_m H$n{Z`m| Zo df 2015-16 Ho$ XmamZ g^mbr
JB {eH$m`Vm| Ho$ 98.41 {VeV H$m g_mYmZ {H$`m h& {ZOr Ja-
OrdZ ~r_m H$n{Z`m| Zo AnZo mam g^mbr JB {eH$m`Vm| Ho$ 98.96
{VeV Ama gaH$mar Ja-OrdZ ~r_m H$n{Z`m| Zo 97.12 {VeV
{eH$m`Vm| H$m g_mYmZ {H$`m h& 31 _mM 2016 H$s pW{V Ho$
AZwgma Hw$b 971 {eH$m`V| g_mYmZ Ho$ {bE b{~V Wt, {OZ_| go
446 {ZOr jo H$s ~r_m H$n{Z`m| go g~{YV Wt Ama 525 gaH$mar
jo H$s ~r_m H$n{Z`m| H$s Wt&
Cn`w$ go `h XoIm Om gH$Vm h {H$ 2014-15 H$s VwbZm _| df
2015-16 Ho$ XmamZ r{_`_ Ho$ AVJV gy{MV H$s JB {eH$m`Vm| _|
1% H$_r Ama Xmdm| Ho$ AVJV gy{MV H$s JB {eH$m`Vm| _| 1%
d{ h& g^r A` lo{U`m| Ho$ AVJV gy{MV H$s JB {eH$m`Vm| Zo
{nN>bo df Ho$ Ae H$mo hr ~Zm`o aIm h&
88
 dm{fH$ [anmoQ> 2015-16

gmaUr II.13
2015-16 Ho$ XmamZ {eH$m`Vm| H$s pW{V (AmBOrE_Eg Ho$ AZwgma) OrdZ ~r_mH$Vm
~r_mH$Vm 1 Ab 2015 2015-16 Ho$ XmamZ 2015-16 Ho$ XmamZ 31 _mM 2016
H$mo ~H$m`m gy{MV H$s JB {eH$m`V| g_mYmZ H$s JB H$mo ~H$m`m
EbAmBgr 0 64750 64750 0
{ZOr 6109 139951 145125 935
Hw$b 6109 204701 209875 935

gmaUr II.14
2015-16 Ho$ XmamZ {eH$m`Vm| H$s pW{V - Ja-OrdZ ~r_mH$Vm
~r_mH$Vm 1 Ab 2015 2015-16 Ho$ XmamZ 2015-16 Ho$ XmamZ 31 _mM 2016
H$mo ~H$m`m gy{MV H$s JB {eH$m`V| g_mYmZ H$s JB H$mo ~H$m`m
gaH$mar 437 17806 17718 525
{ZOr 1662 41277 42493 446
Hw$b 2099 59083 60211 971

MmQ> II.5 {nN>bo 2 dfm] Ho$ XmamZ nOrH$V Ja-OrdZ MmQ> II.6 {nN>bo 3 dfm] Ho$ XmamZ nm{bgr
{eH$m`Vm| H$m {eH$m`V H$ma-dma dJuH$aU H$ma-dma Ja-OrdZ {eH$m`V|

nm{bgr H$ma Ho$ AVJV {eH$m`Vm| H$m {dbofU {Z{X> H$aVm h
{H$ _moQ>a ~r_m Ho$ AVJV gy{MV H$s JB {eH$m`Vm| H$s VwbZm _|
{nN>bo 2 dfm] Ho$ XmamZ dm` ~r_m g~Yr {eH$m`V| A{YH$ h&
{eH$m`V| 2014-15 H$s VwbZm _| 2015-16
II.6.5 OrdZ ~r_m CmoJ -- gy{MV H$s JB {eH$m`Vm| H$s g`m
_| df 2015-16 _| bJ^J 26.62% H$s H$_r ahr h (2014-
15 Ho $ 278992 H$s Vw b Zm _| 2015-16 _| 204701)&
31.3.2016 H$mo b{~V {eH$m`Vm| Ho$ g~Y _| `h nm`m J`m h {H$
89
 dm{fH$ [anmoQ> 2015-16

gmaUr II.15
{eH$m`V| - 2014-15 H$s VwbZm _| 2015-16 - OrdZ
H$. ~r_mH$Vm 2014-15 2015-16
g. df Ho$ df Ho$ XmamZ df Ho$ ma{^H$ df Ho$ Xmohar gy{MV df Ho$ XmamZ df Ho$ AV
XmamZ gy{MV H$madmB AV _| eof XmamZ {eH$m`V| dmV{dH$ H$madmB _| b{~V
H$V b{~V gy{MV {eH$m`V| H$V
(i) gaH$mar Hw$b: 80944 80944 0 0 65512 762 64750 64750 0
(ii) {ZOr Hw$b: 198048 193119 6109 6109 145395 5444 139951 145125 935
Hw$b OmoS >: 278992 274063 6109 6109 210907 6206 204701 209875 935
gmaUr II.16
{eH$m`V| - 2014-15 H$s VwbZm _| 2015-16 - Ja-OrdZ
H$. ~r_mH$Vm 2014-15 2015-16
g. df Ho$ df Ho$ XmamZ df Ho$ ma{^H$ df Ho$ Xmohar gy{MV df Ho$ XmamZ df Ho$ AV
XmamZ gy{MV H$madmB AV _| eof XmamZ {eH$m`V| dmV{dH$ H$madmB _| b{~V
H$V b{~V gy{MV {eH$m`V| H$V
(i) gaH$mar Hw$b: 15860 16105 437 437 17808 2 17806 17718 525
(ii) {ZOr Hw$b: 44828 43318 1662 1662 41802 525 41277 42493 446
Hw$b OmoS >: 60688 59423 2099 2099 59610 527 59083 60211 971

MmQ> II.7 {eH$m`Vm| H$s J{V II.6.6 Ja-OrdZ ~r_m CmoJ - 2014-15 _| gy{MV H$s JB
- CmoJ {nN>bo Xmo df g`m H$s VwbZm _| df 2015-16 _| 1605 {eH$m`Vm| H$s H$_r
ahr h (2014-15 H$s 60688 H$s VwbZm _| 2015-16 _| 59083)&
b{~V {eH$m`Vm| Ho$ g~Y _| 31.3.2015 H$mo b{~V 2099 H$s
VwbZm _| 31.3.2016 H$mo b{~V {eH$m`Vm| H$s g`m 971 ahr&

II .6.7 CmoJ -- CmoJ Zo df 2015-16 _| 75896 {eH$m`Vm|

H$s CoIZr` H$_r XoIr h& df 2014-15 H$s 339680 H$s
VwbZm _| df 2015-16 _| 263784 {eH$m`V| gy{MV H$s JB&
{VeV Ho$ Vma na A{^`$ H$s JB {eH$m`Vm| H$s g`m _| H$_r
bJ^J 22.34% h&

31.3.2016 H$mo b{~V {eH$m`Vm| Ho$ g~Y _| 6 OrdZ ~r_mH$VmAm|

Ama 6 Ja-OrdZ ~r_mH$VmAm| Zo ey` b{~V Xem`m h&

df Ho$ XmamZ S>rEAmanrOr nmoQ>b _| XO {eH$m`Vm| _| go 1874

31.3.2015 H$mo b{~V 6109 {eH$m`Vm| H$s VwbZm _| 935 {eH$m`V| {eH$m`V| AmBAmaS>rEAmB H$mo o{fV H$s JB h& df Ho$ XmamZ Hw$b
b{~V Wt& 1698 {eH$m`V| {ZnMmB JB h& 31.3.2016 H$s pW{V Ho$ AZwgma
237 {eH$m`V| b{~V Wt&

90
 dm{fH$ [anmoQ> 2015-16

gmaUr II.17
{eH$m`V| 2014-15 H$s VwbZm _| 2015-16 CmoJ (OrdZ + Ja-OrdZ)
~r_mH$Vm 2014-15 2015-16
df Ho$ df Ho$ df Ho$ ma{^H$ df Ho$ Xmohar gy{MV df Ho$ df Ho$
XmamZ XmamZ AV _| eof XmamZ {eH$m`V| dmV{dH$ XmamZ AV _|
gy{MV H$madmB H$V b{~V gy{MV {eH$m`V| H$madmB H$V b{~V
(OrdZ + Ja-OrdZ) 339680 333486 8208 8208 270517 6733 263784 270086 1906
gmaUr II.18
~r_mH$Vm {Ohm|Zo 31.3.2016 H$mo b{~V {eH$m`Vm| H$s g`m ey` XO H$s h
H$_ ~r_mH$Vm H$m H$ma ~r_mH$Vm H$m Zm_ {ZZ VmarI H$mo b{~V
g. 31.3.2016 31.3.2015
1 OrdZ ~r_mH$Vm EbAmBgr 0 0
2 Adrdm bmB\$ 0 0
3 ^maVr Agm bmB\$ 0 351
4 AmBS>r~rAmB \o$S>ab bmB\$ 0 0
5 _g bmB\$ 0 4
6 Q>mQ>m EAmBE bmB\$ 0 113
7 Ja-OrdZ ~r_mH$Vm Eb ES> Q>r OZab 0 5
8 _J_m EMS>rAmB OZab 0 9
9 _g ~ynm hoW 0 0
10 ahoOm OZab 0 0
11 lram_ OZab 0 0
12 `y{Zgb gmonmo 0 0
gmaUr II.19
S>rEAmanrOr nmoQ>b _| XO H$s JB Ama AmBAmaS>rEAmB H$mo ^oOr JB {eH$m`Vm| H$s m{
Ama {ZnQ>mZ (1.4.2015 go 31.3.2016 VH$ H$s Ad{Y Ho$ XmamZ)
{eH$m`V H$m moV AmJo bm`m C$ Ad{Y Hw$b C$ Ad{Y Ho$ XmamZ 31/03/2016
J`m eof Ho$ XmamZ m{ m{`m {ZnQ>m`o J`o _m_bo H$mo A{V_ eof
S>rEAmanrOr 15 213 228 202 26
S>rnrOr 5 98 103 100 3
WmZr`/BQ>aZoQ> 35 618 653 597 56
n|eZ 1 3 4 3 1
nrE_Amo 0 934 934 785 149
am>n{V g{Mdmb` 5 8 13 11 2
Hw$b 61 1874 1935 1698 237
gmaUr II.20
AmBAmaS>rEAmB H$mo ^oOr JB {eH$m`V| - 31.3.2016 H$mo b{~V
gWm H$m Zm_ 01/04/2015 m {ZnQ>mB JB 31/03/2016 0 go 15 {XZ 16 go 30 {XZ 31 go 60 {XZ 60 {XZ go
H$mo AmJo bmB JB {eH$m`V {eH$m`V H$mo b{~V VH$ b{~V VH$ b{~V VH$ b{~V A{YH$ b{~V
AmBAma S>rEAmB 61 1874 1698 237 133 54 50 0

91
 dm{fH$ [anmoQ> 2015-16

31.3.2016 H$s pW{V Ho$ AZwgma b{~V 237 {eH$m`Vm| _| go 9. S>m. Eb. EM. _OwZmW, loUr d` ghm`Vm g_yh&
{H$gr ^r {eH$m`V H$m g_mYmZ {ZYm[aV Q>rEQ>r go A{YH$ b{~V
Zht Wm& {dmr` df 2015-16 _| OrdZ n[afX Zo 2 Bgr ~R>H$m| Ama 1 Am_
g^m H$m Am`moOZ {H$`m&
II.7 ~r_m gK Ama ~r_m n[afX|
II.7.2 2015-16 _| n[afX mam {H$`o J`o H$m`H$bmnm| H$m
OrdZ ~r_m n[afX g{j {ddaU

II.7.1 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 23 _mM 2015
H$mo A{Ygy{MV H$s JB& OrdZ ~r_m n[afX EH$ gm{d{YH$ {ZH$m` h
Omo ~r_m A{Y{Z`_, 1938 H$s Ymam 64gr Ho$ AYrZ Wm{nV H$s
JB Wr& gemoYZ Ho$ AZwgma H$m`H$m[aUr g{_{V H$m` Ho$ gMmbZ
Ho$ {bE Cn-{Z`_ ~Zm gH$Vr h& C$ H$m`H$m[aUr g{_{V _| Mma
MwZo J`o gX` hm|Jo, EH$ {g `{$ hmoJm Omo ~r_m `dgm` go
g~{YV Zht hmoJm, VrZ `{$ m{YH$aU mam Zm{_V hm|Jo Omo ~r_m
EO|Q>m|, _`d{V`m| Ama nm{bgrYmaH$m| H$m {V{Z{Yd H$a|Jo, d`-
ghm`Vm g_yhm| Ama ~r_m ghH$mar g{_{V`m| _| `oH$ go EH$-EH$
{V{Z{Y hmoJm& OrdZ n[afX Zo VXZwgma gX` H$n{Z`m| Ho$ grBAmo
Ama A` _wI {V{Z{Y`m| Ho$ gmW {gb{gbodma ~R>H$m| H$m Am`moOZ
H$aZo Ho$ ~mX Cn-{Z`_ ~Zm`o VWm EH$ {Z~mY Ama nmaXeu VarHo$
go MwZmd ^r Am`mo{OV {H$`o&
OrdZ ~r_m n[afX H$s Bgr Ho$ gX` {ZZmZwgma h
1. lr Eg. Ho$. am`, A`j, ^maVr` OrdZ ~r_m {ZJ_ (Bgr
H$m A`j)
{nwam am` _| ~r_m OmJ$H$Vm A{^`mZ H$s g_rjm ~R>H$
AmBAmaS>rEAmB Zo OrdZ Ama gmYmaU ~r_m H$n{Z`m| H$s
EH$ g_rjm ~R>H$ 30 {gV~a 2015 H$mo _w~B _| Am`mo{OV
H$s, {Ohm|Zo {nwam am` _| ~r_m OmJ$H$Vm A{^`mZ MbmZo
Ho$ {bE gh_{V Xr Wr& ~r_m H$n{Z`m| Zo {dmr` df 2015-
16 H$s nhbr N>_mhr _| CZHo$ mam {H$`o J`o H$m`H$bmnm| H$m
EH$ VwVrH$aU {H$`m VWm Chm|Zo {dmr` df 2015-16
H$s AJbr N>_mhr _| CZHo$ mam {H$`o OmZo Ho$ {bE Vm{dV
H$m`H$bmnm| H$s EH$ $naoIm VwV H$s&
gw_rV ~mog g{_{V H$s [anmoQ> na MMm H$aZo Ho$ {bE grBAmo
H$s ~R>H$-- OrdZ n[afX Zo 01 Ay$~a 2015 H$mo _w~B _|
gw_rV ~mog g{_{V H$s [anmoQ> na MMm H$aZo Ho$ {bE gX`
H$n{Z`m| Ho$ _w` H$m`H$mar A{YH$m[a`m| (grBAmo) H$s EH$
~R>H$ Am`mo{OV H$s& OrdZ n[afX Zo g_` ~T>mZo H$s Anojm
H$aZo Ho$ ~mX C$ g{_{V H$s [anmoQ> na AnZr {dVV {V{H$`m
o{fV H$s&

2. lr AZyn amD$, grBAmo, [abm`g {ZnmoZ bmB\$ ~OQ>-nyd ~R>H$ Ho$ ~OQ> 2016-17 -- OrdZ n[afX
Zo {dm _mb` go {XZmH$ 8 Ay$~a 2015 m {H$`m {Og_|
3. lr VU MwK, grBAmo, nrEZ~r _oQ> bmB\$ n[afX go AZwamoY {H$`m J`m {H$ dh Ho$ ~OQ> 2016-17
4. lr gXrn Kmof, grBAmo, ^maVr-Agm bmB\$ Ho$ {bE `j Ama A`j H$am| Ho$ g~Y _| Vmd ^oOo&
VXZwgma OrdZ n[afX Zo `j Ama A`j H$am| Ho$ g~Y
5. mo. AZyn Hw$_ma {ghm, loUr"{g `{$ Omo ~r_m _| gX` H$n{Z`m| Ho$ {dMma _mJo Ama A{V_ A`mdoXZ
`dgm` go g~ Zht h' {dm _mb` H$mo 20 Ay$~a 2015 H$mo o{fV {H$`m& OrdZ
n[afX H$mo ZB {Xr _| 11 {Xg~a 2015 H$mo EH$ ~OQ>-nyd
6. lr ^aV nmaoI, loUr "d`{$H$ EO|Q>' VwVrH$aU H$aZo Ho$ {bE EH$ Adga XmZ {H$`m J`m& Bg
7. lr {dZrV AamoS>m, loUr "_`dVu' Adga na g{Md, OrdZ n[afX Ho$ gmW M`{ZV gX`
H$n{Z`m| Ho$ H$a-_wI CnpWV Wo&
8. lr E_. nr. ZmJo _y{V, loUr "nm{bgrYmaH$'

92
 dm{fH$ [anmoQ>
{dm A{Y{Z`_ 2014 H$s Ymam 194S>rE na A`mdoXZ
Bg g~Y _| OrdZ ~r_m n[afX Zo nrS>`ygr H$s godmE m
H$s Ama {dm _mb` H$mo EH$ A`mdoXZ {X`m Ama CgHo$
AmYma na CgHo$ g~Y _| n>rH$aU _mJZo Ho$ {bE {dm
_mb` Ho$ gmW AZwdVZ Omar aIm&
YmoImYS>r {ZJamZr T>mM m n[afX H$s Am_ g^m H$s {VgyMZm
(\$sS>~H$) Ama _mJXeZ Ho$ AmYma na OrdZ ~r_m n[afX
Zo 21 AJV 2015 H$mo OrdZ ~r_m Ho$ {bE YmoImYS>r
[anmo{OQ>ar Ho$ g~Y _| nhbr ~R>H$ Am`mo{OV H$s& H$moa
g{_{V go m {Z{d{>`m| Ho$ AmYma na 3 {dHo$VmAm| H$mo
VwVrH$aU Ho$ {bE Am_{V {H$`m J`m VWm CmoJ Ho$
{V{Z{Y`m| mam _ogg Egno[a`Z H$mo M`{ZV gyMr _| aIm
J`m& 6 Zd~a 2015 H$mo n[afX Zo _mZH$ H$ama H$m m$n
~ZmZo Ama Egno[a`Z Ho$ gmW CmoJ mam gmPm {H$`o
OmZodmbo EH$g_mZ So>Q>m _mZH$ ~ZmZo Ho$ {bE CmoJ Ho$
{V{Z{Y`m| Ama _ogg Egno[a`Z Ho$ gmW EH$ Ama ~R>H$
Am`mo{OV H$s&
YmZ _r OrdZ `mo{V ~r_m `moOZm (nrE_OoOo~rdmB)
`h `moOZm ^maV gaH$ma mam _B 2015 _| ma^ H$s JB&
Cn`w$ `moOZm Ho$ AVJV g^r _` Xmdm| H$s EH$ Xmdm
a{OQ>r {dH${gV H$aZo Ama CgH$m aIaImd H$aZo H$m H$m`
EH$ A{YXoe Ho$ gmW S>rE\$Eg, {dm _mb`, ^maV gaH$ma
mam OrdZ ~r_m n[afX H$mo gmnm J`m& OrdZ ~r_m n[afX
Zo 5 OyZ 2015 H$mo ma{^H$ MMm Ho$ {bE ^maVr` [aOd
~H$ mam AZw_mo{XV F$U gyMZm H$n{Z`m| (grAmBgr) H$mo
Am_{V {H$`m VWm BgHo$ CnamV 10 OyZ 2015 H$mo g^r
nOrH$V grAmBgr H$s j_VmE OmZZo Ho$ {bE CZHo$ gmW
EH$ Ama ~R>H$ Am`mo{OV H$s& {dHo$Vm Ho$ $n _| {g{~b H$mo
M`{ZV gyMr _| aIm J`m VWm n[afX H$s Amoa go _`w Xmdm
a{OQ>r {dH${gV H$aZo Ama CgH$m aIaImd H$aZo H$m H$m`
Ch| gmnm J`m& C$ a{OQ>r M{bV h VWm Bg `moOZm Ho$
AVJV Xmdm| Ho$ Xwhamd go ~MZo (S>r-Sy>pbHo$eZ) Ho$ {bE
~r_m H$n{Z`m Bg gw{dYm H$m Cn`moJ H$a ahr h& g{Md,
OrdZ n[afX Zo nrE_OoOo~rdmB `moOZm Ho$ g~Y _| Q>mn
S>yQ>r go Ny>Q> Ho$ {bE M`{ZV gX` H$n{Z`m| Ho$ {V{Z{Y
_S>b Ho$ gmW YmZ g{Md, _hmam> emgZ go ^|Q> H$s&
93
2015-16
{nwam Ho$ g~Y _| ~r_m OmJ$H$Vm -- ~r_mH$Vm `oH$
_hrZo H$s 5dt VmarI go nhbo _m{gH$ J{V{d{Y`m| H$s [anmoQ>
n[afX H$mo VwV H$aVo h {Og_| {nwam AJrH$aU H$m`H$bmn
Ed ~r_m OmJ$H$Vm Zr{V Ho$ H$m`md`Z Ho$ ^mJ Ho$ $n _|
H$s JB g_J nhb| em{_b h& ~r_mH$Vm EZgrEBAma gd}jU
\$m_}Q> H$m `moJ H$aVo hE {d{^ Cn^mo$m OmJ$H$Vm nhbm|
Ho$ ^md H$m _y`mH$Z H$aZo Ho$ {bE Z_yZm gd}jU gMm{bV
H$aVo h& n[afX ~r_mH$VmAm| Ho$ gmW g_d` H$aVr h VWm
_m{gH$ J{V{d{Y`m| H$s [anmoQ]> AnZr do~gmBQ>m| na H$m{eV
H$aVr h&
grEggr AnSo>Q> _ogg grEggr B-JdZg g{dgoO m.
{b., EH$ {deof `moOZ _m`_ (grEggr-Egnrdr) H$mo
grEggr-ZoQ>dH$ Ho$ _m`_ go ~r_m godmAm| Ho$ {dVaU _|
g_W ~ZmZo Ho$ {bE bmBg|g XmZ {H$`m J`m h& OrdZ
~r_m n[afX ^wJVmZ H$s EZBE\$Q>r {d{Y Ho$ _m`_ go
grEggr B-JdZg g{dgoO B{S>`m {b. H$mo {V bmBg|gm
AmaEnr (Jm_rU m{YH$V `{$) `5,000 H$s Xa go "AmZ
~mo{S>J _yb (H$mng) {Z{Y" H$s A{^ajH$ h& grEggr-
Egnrdr g{H$`H$V Ho$m| H$m {ddaU H$mng {Z{Y go Amh[aV
am{e Ho$ gmW VXZwgma OrdZ ~r_m n[afX H$s do~gmBQ> na
OrdZ ~r_m n[afX H$mo grEggr-Egnrdr mam CnbY H$amB
JB g{H$`H$V Jm_rU m{YH$V `{$ (AmaEnr) H$s gyMr
Ho$ AZwgma X{eV {H$`m OmVm h& 31 _mM 2016 H$s
pW{V Ho$ AZwgma OrdZ ~r_m n[afX H$mo grEggr-Egnrdr
mam CnbY H$amB JB g{H$`H$V Jm_rU m{YH$V `{$
(AmaEnr) H$s g`m 3373 h&
{$O {V`mo{JVm AmBAmaS>rEAmB Zo 19 Ab 2016 H$mo
"~r_m OmJ$H$Vm {Xdg" _ZmZo Ho$ Cnb` _| ~r_m H$n{Z`m|
Ho$ {bE nZ B{S>`m B`moa|g {$O {V`mo{JVm H$m Am`moOZ
{H$`m h& Bg g~Y _| OrdZ ~r_m n[afX Zo {$O {V`mo{JVm
go g~{YV J{V{d{Y`m| H$m g_d` H$aZo _| EH$ _hdnyU
^y{_H$m H$m {Zdmh {H$`m h&
~YZ Ho$ `` na AmBAmaS>rEAmB {d{Z`_m| Ho$ m$n g~Y r
~R>H$ OrdZ n[afX Zo M`{ZV grBAmo, grE\$Amo Ama {Z`w$
~r_mH$H$mo Ho$ EH$ {V{Z{Y _S>b H$mo boH$a ~YZ Ho$ ``
(BAmoE_) g~Yr AmBAmaS>rEAmB Ho$ {d{Z`_m| Ho$ m$n
 dm{fH$ [anmoQ>
Ho$ g~Y _| MMm H$aZo Ho$ {bE 25 OZdar 2016 H$mo A`j,
AmBAmaS>rEAmB go ^|Q> H$s& gX`m| Zo C$ BAmoE_ {d{Z`_m|
Ho $ m$n Am a Cmo J na CgHo $ ^md Ho $ g ~ Y _|
AmBAmaS>rEAmB Ho$ {dMmamW EH$ b~r MMm H$s&
EO|gr H$_reZ na AmBAmaS>rEAmB {d{Z`_m| Ho$ m$n na
~R>H$ OrdZ n[afX Zo H$_reZ g~Yr AmBAmaS>rEAmB
{d{Z`_m| Ho$ m$n na MMm H$aZo Ho$ {bE 20 \$adar 2016
H$mo _w~ B _| gX` H$n{Z`m| Ho$ grBAmo H$s EH$ ~R>H$ Am`mo{OV
H$s& gX`m| Zo {dVV $n go MMm H$s Ama `h gh_{V hB
{H$ n[afX Bg na {dMma-{d_e H$aZo Ho$ {bE A`j
AmBAmaS>rEAmB go {_bZo Ho$ {bE M`{ZV H$n{Z`m| H$m EH$
{V{Z{Y _S>b bo OmEJr& VXZwgma n[afX gX` H$n{Z`m|
Ho$ M`{ZV grBAmo H$m EH$ {V{Z{Y _S>b A`j,
AmBAmaS>rEAmB go {_bZo 22 \$adar 2016 H$mo hXam~mX
bo JB& {V{Z{Y _S>b Zo C$ {d{Z`_m| Ho$ m$n Ho$ g~Y
_| qMVmE gm_Zo aIt VWm AmBAmaS>rEAmB Zo {V{Z{Y`m|
mam ~Vm`o J`o A{^_Vm| na {dMma H$aZo Ho$ {bE gh_{V
OVmB&
BS>-EEg na OrdZ n[afX Ama gmYmaU n[afX H$s g`w$
~R>H$ OrdZ n[afX Zo gmYmaU ~r_m n[afX Ho$ gmW BS>-
EEg Ho$ H$m`md`Z Ho$ {bE $naoIm na MMm H$aZo Ama
BgHo$ {bE CmoJ H$s V`mar H$m _y`mH$Z H$aZo Ho$ {bE g^r
gX` H$n{Z`m| Ho$ grE\$Amo Ama grAmBAmo H$s EH$ g`w$
~R>H$ 17 _mM 2016 H$mo _w~B _| Am`mo{OV H$s& lr dr.
Ama. A`a, gX` (E\$ ES> AmB), AmBAmaS>rEAmB Zo
~R>H$ H$s A`jVm H$s& AmBAmaS>rEAmB Ho$ d[a>
A{YH$m[a`m| Ama BS>-EEg Ho$ H$m` Xb Ho$ gmW g~
nam_eXmVmAm| Zo ^r Bg ~R>H$ _| ^mJ {b`m&
_mb Ama godm H$a (OrEgQ>r) OrdZ n[afX Zo {dm _mb`
Ho$ nmg OrEgQ>r Ho$ g~Y _| EH$ {V{Z{Y _S>b ^oOm& n[afX
Zo OrEgQ>r [a{Z{Y _S>b mam MMm Ho$ {bE A`j
gr~rBgr, OrEgQ>r Am`w$ ({Xr) Ho$ gmW ~R>H|$ H$s&
AmBAmB~r H$ama gX` H$n{Z`m| Zo 31 OwbmB 2015 H$mo
_w~B _| AmBAmB~r, AmBEAmB Ama OrdZ n[afX Ho$ ~rM
94
2015-16
E_E_AmBgr Ho$ {bE `mdgm{`H$ gh`moJ H$ama Ho$ g~Y _|
{dMma-{d_e {H$`m& ~R>H$ Ho$ AmYma Ho$ Vma na `h {ZU`
{H$`m J`m {H$ AmBAmB~r H$s EH$ ~R>H$ OrdZ H$n{Z`m| Ho$
{Z`w$ ~r_mH$H$m| Ho$ gmW Am`mo{OV H$s OmE& VXZwgma
AmBAmB~r H$s EH$ ~R>H$ {Z`w$ ~r_mH$H$m| Ho$ gmW 14
AJV 2015 H$mo hXam~mX _| Am`mo{OV H$s JB& AmBAmB~r,
AmBEAmB Ama OrdZ n[afX Ho$ ~rM E_E_AmBgr Ho$ {bE
`mdgm{`H$ gh`moJ H$ama na 11 {gV~a 2015 H$mo hVmja
{H$`o J`o& H$ama Ho$ AZwgma AmBAmB~r mam VwV dm{fH$
~OQ> AZw_mZm| Ho$ AmYma na dmng Z H$aZo `mo` AZwXmZ Ho$
$n _| A``Z gMm{bV H$aZo Ho$ {bE AmBAmB~r Ho$
H$m`H$bmnm| Ho$ {bE n[afX {dm Ama {Z{Y XmZ H$aoJr
{OgH$m g_m`moOZ dm{fH$ Vma na AmBAmB~r mam VwV
boIm-nar{jV boIm| Ho$ AmYma na {H$`m Om`oJm&
n[afX H$s do~gmBQ> bJmVma gmp`H$s` So>Q>m, ZdrZV_ ~r_m
g_mMma Ama A` gyMZm CnbY H$am ahr h& BgHo$
A{^H$n H$m JoS> ~T>mZo VWm AmBAmaS>rE Ama A` OrdZ
~r_mH$VmAm| H$s do~gmBQ>m| Ho$ gmW BgH$s AVa-g~Vm Ho$
~mX am>r` Ama AVaam>r` Vma na {d{^ ^y^mJm| go {hQ>m|
H$s g`m CoIZr` $n _| ~T> JB& n[afX Zo Bg {dmr`
df 2015-16 go AnZr do~gmBQ> _| {ZZ{b{IV So>Q>m
X{eV H$aZm ma^ {H$`m
OrdZ H$n{Z`m| Ho$ CnmXm| H$s g`m g~Yr So>Q>m
OrdZ H$n{Z`m| Ho$ d`{$H$ EO|Q>m| g~Yr So>Q>m
OrdZ H$n{Z`m| Ho$ Z`o `dgm` H$m So>Q>m
OrdZ n[afX H$s do~gmBQ> g^r OrdZ ~r_mH$VmAm| Ho$ `y{ZQ>
gh~ CnmXm| Ho$ X{ZH$ EZEdr H$mo ^r X{eV H$aVr h&
OrdZ n[afX Zo AmBAmaS>rEAmB Ama ^maV gaH$ma
H$mo H$B A`mdoXZ VwV {H$`o VWm Hw$N> _wI
A`mdoXZ {ZZmZwgma h :
 dm{fH$ [anmoQ>
gy_ ~r_m g~Yr {df`m| na A`mdoXZ&
`y{bn Ho$ AVJV g_mnZ _mZXS>m| Ho$ {bE g_mZ
Adga jo CnbY H$amZo Ho$ {bE Anrb
OrdZ ~r_m `dgm` Ho$ g~Y _| grBEZdrEQ>r {Z`_,
2004 Ho$ {Z`_ 6(1) Ho$ n>rH$aU 3 Ama 4 H$s
`mo`Vm Ho$ g~Y _| n>rH$aU
E\$EQ>rgrE A`mdoXZ
nXZm{_V {eH$m`V {ZdmaU A{YH$mar (OrAmaAmo)
nm{bgrYmaH$m| go g~{YV AXmdr am{e`m| Ho$ g~Y
_| H$madmB
Am` H$s JUZm Am a H$Q> r H$aU _mZH$
(AmBgrS>rEg)
ZdrH$aU ewH$ na godm H$a H$s dgybr
g^r dm` ~r_m XmVmAm| Ho$ ~rM g_mZ Adga
jo Ho$ {bE {Xem{ZX}em| Ho$ gm_m` goQ> Ho$ {bE
{dZVr
~H$ (H$manmoaoQ> EO|Q>) _| {d{Z{X> `{$`m| Ho$ {bE
A{YXoem_H$ {ejU go Ny>Q> XoZo Ho$ {bE {dZVr
MbZ _| {d_mZ {ZamYma (Am\$Z) nm{b{g`m| H$s
g{dqgJ
~moZg A{Y{Z`_, 1965 Ho$ ^wJVmZ Ho$ g~Y _|
nyd`mnr gemoYZ
g{Md, OrdZ n[afX Zo godm H$a, _w~B jo H$s jor`
gbmhH$ma g{_{V (AmaEgr) H$s ~R>H$ _| EH$ gX` Ho$ $n
_| \$adar 2016 _| ^mJ {b`m VWm OrdZ ~r_m jo go
g~{YV {df`m| na AnZo {dMma `$ {H$`o&
n[afX grAmB A mB , E\$AmB g rgrAmB ,
EEgEgAmogrEMEE_, AmBgrEAmB, E_E_E, ~rAmBEg,
2015-16
Am{X mam Am`mo{OV ~R>H$m| Ama g_obZm| Ho$ gmW g{H$`
$n go g~ ahr
g{Md, OrdZ n[afX Zo AmBAmBAmB Ho$ {ejm ~moS> Ho$
{ZXoeH$ Ama AmBAmBAmB H$s nmR>H$_ g{_{V Ho$ gX`
Ho$ $n _| AmBAmBAmB mam Am`mo{OV ~R>H$m| _| ^mJ {b`m&
g{Md, OrdZ n[afX ^maV gaH$ma mam J{R>V ~r_m H$s_V
gyMH$mH$ g{_{V H$m gX` h&
g{Md, OrdZ n[afX Zo AmBAmB~r H$s emgr n[afX (Jd{ZJ
H$mC{gb) Ho$ gX` Ama AmBAmB~r H$s {dm Ama EMAma g{_{V
Ho$ gX` Ho$ $n _| AmBAmB~r mam Am`mo{OV {d{^ ~R>H$m| _|
^mJ {b`m&
gmYmaU ~r_m n[afX
II.7.3 ^maV _| gmYmaU ~r_m `dgm`, dm` ~r_m `dgm`,
nwZ~u_m Ama A` {deofrH$V ~r_m `dgm` H$aZodmbo ~r_mH$Vm
gmYmaU ~r_m n[afX (OrAmB H$mC{gb) Ho$ gX` h& df Ho$
XmamZ dV_mZ gmYmaU ~r_m n[afX H$mo gmYmaU ~r_m H$n{Z`m|,
dm` ~r_m H$n{Z`m| Ama nwZ~u_m H$n{Z`m| Ho$ d-{d{Z`m_H$
{V{Z{Y {ZH$m` Ho$ $n _| nwZJ{R>V {H$`m J`m& BgHo$ A{V[a$,
~r_m {d{Y gemoYZ A{Y{Z`_, 2015 Ymam 64 E\$ (2) Ho$ AZwgma
OrAmB H$mC{gb Zo n[afX H$s H$m`H$mar g{_{V H$m nwZJR>Z {H$`m
h {Og_| gmYmaU ~r_m n[afX Ho$ gX`m| _| go 4 (Mma) MwZo J`o
{V{Z{Y hm|Jo Omo n[afX H$s Cn-{d{Y`m| _| {ZYm[aV {H$`o OmZodmbo
VarHo$ go AnZr d`{$H$ j_Vm _| MwZo OmEJo, EH$ {g `{$
hmoJm Omo ~r_m `dgm` go g~{YV Zht hmoJm Ama m{YH$aU mam
Zm{_V {H$`m OmEJm VWm Mma `{$ Omo ~r_m EO|Q>m|, A` nj
emgH$m|, gd}jH$m| Ama hm{Z {ZYmaH$m| Ed nm{bgrYmaH$m| H$m
{V{Z{Yd H$a|Jo Ama AmBAmaS>rEAmB mam Zm{_V {H$`o OmEJo&
~r_m A{Y{Z`_ H$s Ymam 64 Eb(1) Ho$ AZwgma n[afX Ho$ nmg
{ZZ{b{IV gm{d{YH$ H$m` h :
i) gmYmaU ~r_m `dgm` H$aZodmbo ~r_mH$VmAm| H$mo AmMaU
Ho$ _mZH$ Ama gwT> WmE Wm{nV H$aZo Ho$ {df` _| VWm
gmYmaU ~r_m nm{b{g`m| Ho$ YmaH$m| H$mo Hw$eb godm XmZ
H$aZo Ho$ {df` _| ghm`Vm Ama nam_e XmZ H$aZm;
95
 dm{fH$ [anmoQ>
ii) H$_reZ Ama A` ``m| Ho$ {df` _| ^maV _| `dgm`
H$aZodmbo Eogo ~r_mH$VmAm| Ho$ ``m| H$mo {Z`{V H$aZo Ho$
{df` _| m{YH$aU H$mo nam_e XoZm;
iii) gmYmaU ~r_m nm{b{g`m| Ho$ YmaH$m| Ho$ {hVm| Ho$ {dnarV VarHo$
go H$m` H$aZodmbo {H$gr Eogo ~r_mH$Vm Ho$ _m_bo _| m{YH$aU
H$s OmZH$mar _| bmZm;
iv) m{YH$aU Ho$ AZw_moXZ go IS> (i) go (ii) VH$ _| {d{Z{X>
{H$gr ^r {df` Ho$ {bE mg{JH$ AWdm AZwfJr {d{Y go
H$m` H$aZm, Ogm {H$ ^maV Ho$ amOn _| _| n[afX mam
A{Ygy{MV {H$`m Om gH$Vm h&
II.7.4 n[afX H$s dV_mZ gX`-g`m 30 h, AWm 4 gaH$mar
jo H$ ~r_mH$Vm, 18 {ZOr jo Ho$ ~r_mH$Vm, 5 Q>S>AbmoZ dm`
~r_mH$Vm, Xmo {deofrH$V ~r_mH$Vm (EAmBgr Ama BgrOrgr) VWm
^maVr` am>r` nwZ~u_mH$Vm, OrAmBgr AmaB& df Ho$ XmamZ n[afX
Zo gX` H$n{Z`m| Ho$ {d{^ Omo{I_-AH$Z {d^mJm| Ho$ _wIm|,
grE\$Amo, Ama A` d[a> H$m`H$mar A{YH$m[a`m| Ho$ {bE AnZo
{dMmam|, AZw^dm| H$m {d{Z_` H$aZo Ama {d{^ jom| _| CmoJ H$mo
^m{dV H$aZodmbo gm_m` gamoH$mam| Ho$ ~mao _| MMm H$aZo Ho$ {bE
EH$ boQ>\$m_ CnbY H$am`m& BZ \$moa_m| Zo {V`moJr H$n{Z`m| _|
CZHo$ {VWm{Z`m| Ho$ ~rM _r Ama gmhmX H$m ^r {Z_mU {H$`m&
BZ \$moa_m| H$s J{V{d{Y`m _w` `mnma H$m`H$bmnm| _| gdm}m_
WmAm| Ama _mZH$m| Ho$ AJrH$aU _| d{ H$aZo, JmhH$ godm _mZH$m|
H$mo ~T>mZo, ~mOma AZwemgZ VWm EH$ dW VarHo$ go Ja-OrdZ
~r_m ~mOma Ho$ {dH$mg H$mo ~Zm`o aIZo Ho$ {bE CmoJ Ho$ {bE
_yb^yV AmYma h& Hw$b {_bmH$a n[afX Ho$ VdmdYmZ _| 15
AmnMm[aH$ ~R>H|$ Am`mo{OV H$s JB {OZ_| BQ>rEEgEg, dm`,
_moQ>a, gn{m, H$amYmZ Ama AZwnmbZ Ho$ {df` g_m{d> {H$`o J`o&
[anmoQ> _o EH$ A` CoIZr` _hdnyU J{V{d{Y nana g{H$` (BQ>a
EopQ>d) g h {Og_| _hm g{Md Zo ^monmb _| pWV ZoeZb
2015-16
Ow{S>{e`b AH$mX_r _| E_EgrQ>r Xmdm| g~Yr H$m` H$aZodmbo 23/
24 am`m| Ho$ _mZZr` `m`mYrem| Ho$ gmW ^mJ {b`m& Bg Adga
H$m Cn`moJ _moQ>a Q>rnr Xmdm| Ho$ g~Y _| CmoJ H$s pW{V H$mo aoIm{H$V
H$aZo Ho$ {bE {H$`m J`m {Og_| _moQ>a XwKQ>ZmAm| Ho$ {eH$ma `{$`m|
Ho$ {V ~r_m CmoJ H$m {dmr` `moJXmZ VWm `m`mb`m| Ho$ A{Y{ZU`m|
H$s ~T>Vr hB d{m H$go nm{bgrYmaH$m| Ho$ {V AnZo Xm{`dm| H$mo
nyam H$aZo Ho$ {bE ~r_mH$VmAm| Ho$ ggmYZm| na {dmr` dmh H$m
H$maU ~Z ahr h, gy{MV {H$`m J`m& gh^mJr ~r_mH$VmAm| Ho$ {bE
AmZ AmBQ>r g_{WV gX` godmE (i) A{ (\$m`a) EbAmo~r Ho$
{bE BQ>rEEgEg gh-~r_m _mS>yb Ho$ n[aMmbZ H$m ma^, (ii)
EgrAmoAmaS>r AmZbmBZ gXe o Umbr Ho$ _m`_ go _m{gH$ AmH$S>o,
Ama (iii) nrE_Eg~rdmB Ho$ AVJV g_o{H$V Xmdm So>Q>m~og CnbY
H$amZm, g\$b Mmby J{V{d{Y`m / n[a`moOZmE h&
II.8 ~r_m bmoH$nmb
II.8.1 2015-16 Ho$ XmamZ gmao ^maV _| `m gh bmoH$nmb
Ho$m| Zo Hw$b 26177 {eH$m`V| m H$s h& O~{H$ 17257 {eH$m`V|
(66 {VeV) OrdZ ~r_mH$VmAm| go g~{ YV h, eof 8920 {eH$m`V|
(34 {VeV) Ja-OrdZ ~r_mH$VmAm| go g~{ YV h& `h _mM 2015
Ho$ AV _| bmoH$nmbm| Ho$ {d{^ H$m`mb`m| Ho$ nmg b{~V 6782
{eH$m`Vm| Ho$ A{V[a$ h&
II.8.2 2015-16 Ho$ XmamZ bmoH$nmbm| Zo 30266 {eH$m`Vm| H$m
{ZnQ>mZ {H$`m h& BZ {eH$m`Vm| _| go bmoH$nmbm| Zo 49.56 {VeV
{eH$m`Vm| H$mo AdrH$m` / {dMma H$aZo Ho$ {bE A`mo` Ho$ $n _|
Kmo{fV {H$`m& Hw$b {eH$m`Vm| Ho$ 29.31 {VeV Ho$ {bE A{Y{ZU`
/ {g\$m[ae| Omar H$s JB& BgHo$ Abmdm, 9.54 {VeV {eH$m`V|
dmng br JB/ {ZnQ>mB JB, O~{H$ bJ^J 11.59 {VeV {eH$m`V|
Im[aO H$s JB& 31 _mM 2016 H$s pW{V Ho$ AZwgma 2693
{eH$m`V| b{~V Wt&
96
 dm{fH$ [anmoQ> 2015-16

gmaUr II.21
2015-16 Ho$ XmamZ ~r_m bmoH$nmbm| mam {eH$m`Vm| H$m {ZnQ>mZ
~r_mH$Vm 1.4.2015 2015-16 Hw$b 2015-16 {ZZ{b{IV {ZnQ>mB JB {eH$m`Vm| H$s g`m {eH$m`V|
H$mo ~H$m`m Ho$ XmamZ Ho$ XmamZ 31.3.2016
{eH$m`V| m {ZnQ>mB JB H$mo ~H$m`m
{eH$m`V| (I ) (II) (III) (IV)
OrdZ 4397 17257 21654 19645 5431 1956 1924 10334 2009
27.65 9.96 9.79 52.60
Ja-OrdZ 2385 8920 11305 10621 3440 932 1583 4666 684
32.39 8.78 14.90 43.93
g`w$ 6782 26177 32959 30266 8871 2888 3507 15000 2693
29.31 9.54 11.59 49.56
{Q>n{U`m :
(I) {g\$m[ae| / A{Y{ZU` (II) dmng boZm / {ZnQ>mZ (III) Im[aO H$aZm (IV) AdrH$aU / {dMma H$aZo `mo` Zht

97
 dm{fH$ [anmoQ> 2015-16

^mJ III
m{YH$aU Ho$ gm{d{YH$ Ama {dH$mgm_H$ H$m`
AmBAmaS>rE A{Y{Z`_, 1999 (AmBAmaS>rE A{Y{Z`_) H$s Ymam eo`aYmaH$m| Ho$ H$amam| AWdm _VXmZ H$amam| Ho$ H$maU g{hV, A{YH$me
14 ~r_m `dgm` Ama nwZ~u_m `dgm` H$m {d{Z`_Z H$aZo, gdYZ {ZXoeH$m| H$mo {Z`w$ H$aZo AWdm ~Y AWdm Zr{VJV {ZU`m| H$mo
H$aZo VWm CZH$s gw`dpWV d{ gw{ZpMV H$aZo Ho$ {bE m{YH$aU {Z`{V H$aZo H$m A{YH$ma em{_b hmoJm;"
Ho$ H$V` {ZYm[aV H$aVr h& Cn`w$ Ymam H$s Cn-Ymam (2) _|
~r_m {d{Y (g e mo Y Z) A{Y{Z`_, 2015 Ho $ dV Z Ho $
m{YH$aU H$s e{$`m Ama H$m` {ZYm[aV {H$`o J`o h& dm{fH$
n[aUm_d$n, ^maVr` ~r_m {d{Z`m_H$ Am a {dH$mg
[anmoQ> Ho$ A`m` _| m{YH$aU mam AnZo H$m`m] H$m {ZdhU Ed
m{YH$aU (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (gmVdm
AnZo H$mo Xr JB e{$`m| H$m `moJ H$aVo hE 2015-16 _| gn H$s
gemoYZ) {d{Z`_, 2016, 22.2.2016 H$mo A{Ygy{MV {H$`o
JB m{YH$aU H$s J{V{d{Y`m| H$mo g_m{d> {H$`m J`m h&
J`o&
III.1 AmdoXH$ H$mo nOrH$aU _mUn H$m {ZJ_, Eogo
_ogg H$moQ>H$ _{hm OZab B`moa|g H$nZr {b{_Qo>S> H$mo
nOrH$aU H$m ZdrH$aU, AmemoYZ, `mhaU, {Zb~Z AWdm
nOrH$aU _mUn Zd~a 2015 _| XmZ {H$`m J`m&
{ZagZ
_ogg ESo>doBg OZab B`moa|g H$nZr {b{_Qo>S> Ama _ogg
III.1.1 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 Zo ~r_m
H$mo{hZya arB`moa|g H$nZr {b{_Qo>S> (A~ _ogg AmBQ>rAmB
A{Y{Z`_, 1938, gmYmaU ~r_m `dgm` (am > r `H$aU)
arB`moa|g {b{_Qo>S> Ho$ $n _| Zm_ n[ad{VV {H$`m J`m h) Zo
A{Y{Z`_, 1972 Ama ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
nOrH$aU Ho$ {bE _mJ-n (Ama1) VwV {H$`m&
A{Y{Z`_, 1999 _| gemoYZ H$aZo Ho$ {bE ^maV Ho$ am>n{V H$s
drH${V 20 _mM 2015 H$mo m H$s& III.1.2 ~r_m A{Y{Z`_, 1938 H$s Ymam 2 H$m gemoYZ Bg H$ma
n[a^m{fV H$aVm h "^maV _| Wm{nV emIm Ho$ _m`_ go nwZ~u_m
~r_m A{Y{Z`_, 1938 H$s Ymam 2 H$m gemoYZ Bg H$ma n[a^m{fV
`dgm` _| bJr hB {dXoer H$nZr"& Bg Cn-IS> Ho$ `moOZm| Ho$
H$aVm h "^maVr` ~r_m H$nZr" go A{^oV h H$moB ^r ~r_mH$Vm, Omo
{bE A{^`{$ "{dXoer H$nZr" go A{^oV hmoJm ^maV Ho$ ~mha
EH$ H$nZr hmoVo hE eo`am| mam gr{_V h, VWm (H$) Omo EH$ gaH$mar
{H$gr ^r Xoe H$s {d{Y Ho$ AYrZ Wm{nV AWdm {ZJ{_V H$nZr
H$nZr Ho$ $n _| H$nZr A{Y{Z`_, 2013 Ho$ AYrZ J{R>V Ama
AWdm {ZH$m` VWm Bg_| bm`S>g A{Y{Z`_, 1871 (`wZmBQo>S>
nOrH$V h AWdm ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 Ho$
qH$JS>_) AWdm CgHo$ {H$gr ^r gX` Ho$ AYrZ Wm{nV bm`S>g
ma^ go EH$ df Ho$ AXa Eogr H$nZr Ho$ $n _| n[ad{VV h; (I)
em{_b h;"
{Og_| g{d^mJ {ZdoeH$m| g{hV, {dXoer {ZdoeH$m| mam B{$Q>r eo`am|
H$s Hw$b Ym[aVmE Eogr ^maVr` ~r_m H$nZr H$s Xm B{$Q>r nyOr Ho$ ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 Ho$ dVZ Ho$
CZMmg {VeV go A{YH$ Zht h, Omo {ZYm[aV {H$`o OmZodmbo VarHo$ n[aUm_d$n, {dXoer nwZ~u_mH$VmAm| Ama bm`S>g H$mo
go ^maVr` dm{_d Ama {Z`U _| h& ^maV _| emIm Wm{nV H$aZo Ho$ {bE m{YH$aU H$mo AmdoXZ
VwV H$aZo H$s AZw_{V Xr Om ahr h& m{YH$aU Zo BgHo$
n>rH$aU.-- Bg Cn-IS> Ho$ `moOZm| Ho$ {bE, A{^`{$
g~Y _| Xmo AbJ {dZ`_ A{Ygy{MV {H$`o h Ama do
"{Z`U" _| CZH$s AnZr eo`aYm[aVm AWdm ~Y A{YH$mam| AWdm
{ZZmZwgma h :
99
 dm{fH$ [anmoQ>
^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (bm`S>g
H$mo N>mSo >H$a A` {dXoer nwZ~u_mH$VmAm| Ho$ emIm H$m`mb`m|
H$m n O rH$aU Am a n[aMmbZ) {d{Z`_, 2015,
19.10.2015 H$mo&
AmBAmaS>rEAmB (bm`S>g H$mo N>moS>H$a A` {dXoer
nwZ~u_mH$VmAm| Ho$ emIm H$m`mb`m| H$m nOrH$aU Ama
n[aMmbZ) (nhbm g e mo Y Z) {d{Z`_, 2016,
28.1.2016 H$mo&
^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (bm`S>g
B{S>`m) {d{Z`_, 2016, 9 _mM 2016 H$mo&
Cn`w$ {d{Z`_m| H$s A{YgyMZm Ho$ n[aUm_d$n, Zd~a, 2015
Ho$ XmamZ ^maV _| {dXoer nwZ~u_m emIm H$m`mb` Ho$ nOrH$aU Ho$
{bE {ZZ{b{IV {dXoer nwZ~u_mH$VmAm| Zo AmdoXZ {H$`m
`y{ZI ao, O_Zr
pdg ao, pdQ>OabS>
hZmoda ao, O_Zr
H$moa ao, \$mg
AmaOrE ao, H$ZmS>m
_ogg OoZ ao, O_Zr Zo ^r OyZ, 2016 Ho$ XmamZ nOrH$aU Ho$ AmdoXZ
Ho$ {bE _mJ-n Xm{Ib {H$`m h&
III.1.3 {ZYm[aH$ {H$`m Ho$ AZwgma, {d{Z`{_V gWmAm| H$m
WmZ na (AmZ-gmBQ>) {ZarjU H$aZm {ZarjU {d^mJ H$m Xm{`d
h& nyar H$s JB [anmoQ>] {Q>n{U`m|/ AZwnmbZ Ho$ {bE {Zar{jV gWmAm|
H$mo ^oOr Om ahr h VWm CgHo$ ~mX A{V_ {ZarjU [anmoQ> dVZ
{d^mJ H$mo o{fV H$s OmVr h& {ZarjU H$s JB gWmAm| H$s
{V{H$`mAmo/ AZwnmbZm| H$m {dbofU {H$`m OmVm h VWm dVZ
{d^mJ mam A{V_ $n Xr JB Vm{dV H$madmB H$s {H$`m g~{YV
nyUH$m{bH$ gX`m| (S>`yQ>rE_) H$mo CZH$s {Q>n{U`m|/ {Z{d{>`m|
Ho$ {bE 10 {XZ Ho$ g_` Ho$ AXa VwV H$s OmVr h& S>`yQ>rE_ go
m {Q>n{U`m| H$m `mZ aIZo Ho$ ~mX Vm{dV H$madmB H$s {H$`m
2015-16
AZw_moXZ Ho$ {bE A`j H$mo VwV H$s OmEJr& Bg H$ma, g^r
{ZarjU [anmoQ>m] H$mo H$maU {ZXeZ gyMZm, d`{$H$ gwZdmB, XS>,
MoVmdZr, Am{X Ogr A{V_ H$madmB`m| Ho$ _m`_ go g_m {H$`m
Om ahm h& ^maV gaH$ma Zo ~r_m {d{Y (gemoYZ) A`mXoe 2014
H$m dVZ 26 {Xg~a 2014 H$mo {H$`m h Omo ~mX _| ~r_m {d{Y
(gemoYZ) {dYo`H$ 2015 mam {VWm{nV {H$`m J`m Ama ggX
Ho$ XmoZm| gXZm| _| nm[aV {H$`m J`m VWm A{V_ $n go 22 _mM
2015 H$mo A{Y{Z`{_V {H$`m J`m& BgHo$ AZwgma XS> Ho$ Cn~Ym| _|
gemoYZ {H$`m J`m VWm XS> bmJy H$aZm A{Y{Z`_ H$s Hw$N> YmamAmo
Ho$ g~Y _| `m`{ZU`Z H$s {H$`m Ho$ mam hmoJm& `m`{ZU`Z
A{YH$mar H$mo {Z`w$ {H$`m OmEJm Omo H$_ go H$_ AmBAmaS>rEAmB
_| g`w$ {ZXoeH$ Ho$ Va H$m hmoJm& XS> Ho$ n[a_mU Ho$ g~Y _| {ZU`
boZo go nhbo `mZ _| aIo OmZodmbo H$maH$ A{Y{Z`_ _| {X`o J`o h&
AmBAaS>rEAmB Ho$ AmXoem| Ho$ {d g^r Anrb| {V^y{V Anrbr`
`m`m{YH$aU (EgEQ>r) Ho$ nmg pWV hm|Jr& bJm`o OmZodmbo _m{H$
XS>m| H$m {ddaU AZw~Y 10(i) Ama 10(ii) _| {X`m J`m h&
III.1.4 Cn`w$mZwgma bJm`o OmZodmbo _m{H$ XS> Ho$ Abmdm,
A` gWmAm| Ho$ g~Y _| nm`o J`o AZZwnmbZm| na ^r A` XS>m_H$
H$madmB`m ma^ H$s JB& BgHo$ A{V[a$, m{YH$aU Zo CZ {d{Z`{_V
gWmAm| H$mo ^r MoVmd{Z`m, {d{e> AmXoe/ {ZXoe Omar {H$`o, Omo
{d{Z`m_H$ eVm] H$m nmbZ Z H$aVo hE nm`r JB&
III.2 nm{bgr Ho$ g_ZwXoeZ, nm{bgrYmaH$m| mam Zm_mH$Z,
~r_m`mo` {hV, ~r_m Xmdo Ho$ {ZnQ>mZ, nm{bgr Ho$ A`{nV
_y` Ama ~r_m g{dXmAm| H$s A` eVm] go g~{YV _m_bm| _|
nm{bgrYmaH$m| Ho$ {hVm| H$m gajU&
III.2.1 m{YH$aU Zo {dH$` Wb, Xmdo Ho$ WmZ, Am{X na
~r_mH$VmAm| Ama _`d{V`m| Ho$ {bE {d{^ H$V` Ama AH$V`
(Sy>O ES> S>m|Q>O) H$s {hXm`V| XoVo hE {d{Z`_ Omar {H$`o h&
m{YH$aU Zo C$ {d{Z`_m| Ho$ AVJV nm{bgrYmaH$m| H$mo {d{^
godmE XmZ H$aZo Ho$ {bE g_`-gr_mE ^r {ZYm[aV H$s h& BgHo$
A{V[a$, C$ {d{Z`_ nm{bgrYmaH$m| H$s {eH$m`Vm| Ho$ g_mYmZ Ho$
{bE ~r_mH$VmAm| H$mo EH$ ^mdr `dWm Wm{nV H$aZo H$m ^r
100
 dm{fH$ [anmoQ>
A{YXoe XoVo h& m{YH$aU Zo AnZo Cn^mo$m H$m` {d^mJ (grES>r)
Ho$ _m`_ go OrdZ Ama Ja-OrdZ ~r_m H$n{Z`m| Ho$ {bE EH$
"{eH$m`V {ZdmaU H$j" Wm{nV {H$`m h& {ZYm[aV g_` Ho$ AXa
~r_mH$VmAm| mam AnZr {eH$m`Vm| H$m g_mYmZ H$admZo Ho$ {bE
nm{bgrYmaH$m| H$s _XX H$aZo _| EH$ ghm`H$ ^y{_H$m AXm H$aZo Ho$
Abmdm, m{YH$aU EH$ {ZaVa AmYma na CZ AV{Z{hV g_`mAmo
H$s OmM H$aVm h Omo {eH$m`Vm| Ho$ {bE H$maU ~ZVr h VWm g~
UmbrJV g_`mAm| H$mo R>rH$ H$aZo H$s {Xem _| H$m` H$aVm h&
m{YH$aU Zo ~r_mH$VmAm| mam {eH$m`Vm| Ho$ {ZdmaU Ho$ {bE
{Xem{ZX}e ^r Omar {H$`o h {OZHo$ AZwgma g^r ~r_mH$VmAm| H$mo
A{YXoe {X`m J`m h {H$ do ~moS> mam AZw_mo{XV {eH$m`V {ZdmaU
Zr{V M{bV aI| VWm H$manmoaoQ> A{^emgZ Ho$ {bE {Xem{ZX}em| _|
{ZYm[aV $n _| EH$ nm{bgrYmaH$ gajU g{_{V J{R>V H$a|& C$
{Xem{ZX}em| _| {eH$m`V {ZdmaU {H$`mE, Q>ZAamCS> g_` ^r
{ZYm[aV h VWm do n[apW{V`m ^r {ZYm[aV h {OZ_| {eH$m`V H$mo
g_m g_Pm OmVm h& nm{bgrYmaH$m|/ _mb`m|/ {d{Z`_ZH$VmAm|
Ama A` gm{d{YH$ EO|{g`m| go m {eH$m`Vm|/ n[admXm| na H$madmB
H$aVo g_` gV AZwnmbZ H$aZo Ho$ {bE Cn`w$ {Xem{ZX}e g_`-
g_` na Xmoham`o J`o h& ~r_m jo _| {ddmg Ama ^amogo H$mo ~T>mZo
Ho$ {bE J^raVm, VnaVm Ama g_mZw^y{V Ho$ gmW nm{bgrYmaH$m|
H$s {eH$m`Vm| na H$madmB H$aZo Ho$ g~Y _| Z Ho$db \$Q>bmBZ Q>m\$
H$mo, ~pH$ gJR>Z Ho$ g^r Vam| na JmhH$ godm Q>m\$/ A{YH$m[a`m|
H$mo ^r gwJmhr ~ZmZo Ho$ {bE {d_mZ Um{b`m| H$s g_rjm H$aZo H$s
Amd`H$Vm Ho$ ~mao _| ^r ~b {X`m J`m h&
III.2.2 ~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 _| {Z{hV Cn~Ym|
Ho$ n[aUm_d$n, m{YH$aU Zo Cg A{YH$V_ ewH$ H$mo {ZYm[aV
H$aVo hE {d{Z`_ Omar {H$`o h Omo {ZZ{b{IV Ho$ {bE ~r_mH$VmAm|
mam ^m[aV {H$`m Om gH$Vm h
H$) g_ZwXoeZ H$s gyMZm H$s {b{IV m{-drH${V XmZ H$aZm
I) OrdZ ~r_m Ho$ nm{bgrYmaH$ mam Zm_mH$Z Ho$ {ZagZ AWdm
n[adVZ H$mo nOrH$V H$aZm Omo BboQ>m{ZH$ $n _| Omar H$s
2015-16
JB nm{b{g`m| Ho$ {bE 50/- n`o Ama BboQ>m{ZH$ go BVa
$n _| Omar H$s JB nm{b{g`m| Ho$ {bE 100/- n`o hmoJm&
III.2.3 m{YH$aU Zo g^r ~r_m H$n{Z`m| H$mo gy{MV {H$`m h {H$ do
An[ahm` n[apW{V`m| Ho$ AVJV, nm{bgr _| {d{Z{X> g_` Ho$
~mX gy{MV {H$`o J`o AWdm VwV {H$`o J`o dmV{dH$ Xmdm| H$mo
AdrH$ma Z H$a|& gyMZm AWdm XVmdoO VwV H$aZo _| {db~ Ho$
H$maU {H$gr Xmdo H$mo AdrH$ma H$aZo H$m ~r_mH$Vm H$m {ZU` gwT>
VH$ AWdm {d{Y_m` H$maUm| na AmYm[aV hmoZm Mm{hE, `m|{H$
gyMZm XoZo Ho$ g_` H$m IS> Z Vmo gnyU h Ama Z hr Bgo AbJ $n
go XoIm Om gH$Vm h& Bg pW{V Ho$ hmoVo hE ~r_mH$Vm {H$gr Xmdo
H$mo V~ VH$ AdrH$ma Zht H$aoJm, O~ VH$ {H$ {db~ Ho$ {bE
H$maUm| H$m {d{e> $n go nVm Zht bJm`m OmVm, Ch| A{^{b{IV
Zht {H$`m OmVm Ama ~r_mH$Vm d` Bg ~mV go gVw> Z hm| {H$ CZ
Xmdm| H$mo A` H$ma go ^r AdrH$V {H$`m OmVm ^bo hr Ch| g_`
na `m| Z gy{MV {H$`m J`m hmo&
III.2.4 AXmdr am{e`m| go g~{YV H$B g_`mAmo H$m g_mYmZ
{ZZmZwgma n[anm| Ho$ _m`_ go {H$`m J`m h
H$) AXmdr am{e`m| H$s n[a^mfm Xr JB "AXmdr am{e Ho$ AVJV
_`w Xmdm, n[an$Vm Xmdm, CmaOr{dVm bm^, dmngr Ho$
{bE Xo` r{_`_, r{_`_ Ho$ {bE g_m`mo{OV Zht H$s JB
r{_`_ O_mam{e Ama j{Vny{V Xmdm| Am{X Ho$ $n _|
nm{bgrYmaH$ H$mo Xo` H$moB ^r am{e em{_b h Omo Xmdm am{e
Ho$ {ZnQ>mZ Ho$ {bE {Z`V VmarI go N>h _hrZo go A{YH$
AXmdmH$V ahr hmo&"
I) AXmdr am{e`m| H$m AZwajU _wm ~mOma {bIVm| Ama/ `m
AZwgy{MV ~H$m| H$s _r`mXr O_mam{e`m| _| A{YXo{eV {Zdoe
Ho$ gmW EH$ EH$b {d`mo{OV (go{JJoQo>S>) {Z{Y Ho$ $n _|
H$aZo H$s Amd`H$Vm h& ``m| H$s dgybr Ho$ {bE 20
AmYma AH$m| na CV_ gr_m aIr JB h& AXmdr am{e`m|
H$m H$Q>rH$aU do~gmBQ> na H$aZm Amd`H$ h Ama ~H$
ImVo H$mo g^r ZB nm { b{g`m| Ho $ {bE g ~ H$aZm
101
 dm{fH$ [anmoQ>
A{YXoem_H$ H$a {X`m J`m h& nm{bgrYmaH$m| H$mo gyMZm
XoZm A{YXoem_H$ {H$`m J`m h VWm g_`md{Y (EqOJ)
H$s gyMZm XoZo Ho$ {bE EH$ \$m_}Q> {ZYm[aV {H$`m J`m h&
{H$gr {d{Z`moOZ AWdm {VboIZ (amBQ> ~H$) H$s AZw_{V
Zht Xr JB h&
J) AXmdr am{e`m| H$s JUZm emoYj_Vm _m{OZ Ho$ {bE Zht
H$s OmEJr VWm AXmdr am{e`m| Ama boIm-{Q>n{U`m| _|
H$Q>rH$aUm| Ho$ {bE g_`md{Y (EqOJ) Ho$ g~Y _| gyMZm-
Umbr ([anmo{Q>J) {ZYm[aV H$s JB h& {dmr` df 2016-
17 go boH$a AmJo Ho$ {bE, A{OV H$s JB {Zdoe Am` H$mo
AXmdr am{e {Z{Y _| Am~{Q>V H$aZm A{YXoem_H$ {H$`m
J`m h& `h ^r {ZYm[aV {H$`m J`m {H$ ~r_mH$Vm ~r_mH$V
`{$`m|/nm{bgrYmaH$m|/ XmdoXmam| H$mo Bg H$ma O_m H$s
JB {Zdoe Am` Ho$ gmW hr, A{^{ZYm[aV AXmdr am{e H$m
^wJVmZ H$ao& `m`mb` g{hV {H$gr gm{d{YH$ {ZH$m` mam
{X`o J`o {H$gr A{Y{ZU`/ AmXoe H$s pW{V _| `{X `mO
H$m H$moB KQ>H$ gp_{bV hmo, Vmo Cgna AmJo H$moB `mO Zht
{X`m OmEJm&
III.2.5 gS>H$ XwKQ>Zm Ho$ {eH$ma `{$`m| AWdm _moQ>a A` nj
~r_m Ho$ XmdoXmam| H$s ghm`Vm H$aZo H$s {> go _moQ>a dmhZm| H$s ~r_m
pW{V go g~{YV So>Q>m VH$ nhM hoVw g_W ~ZmZo Ho$ {bE m{YH$aU
Zo ~r_m gyMZm `yamo Ho$ _m`_ go EH$ do~ AmYm[aV gw{dYm CnbY
H$amB h& Bg gw{dYm Ho$ AVJV Cn`moJH$VmAm| H$mo dmhZ, ~r_m H$s
pW{V Ama nm{bgr Omar H$aZodmbo H$m`mb` Ho$ nVo H$m {ddaU
CnbY H$am`m OmVm h&
III.2.6 OrdZ ~r_m nm{b{g`m| H$s g{dqgJ _| ~r_m EO|Q>m| Ho$
{ZJ_ mam {Z{_V AVamb H$mo `mZ _| aIVo hE VWm ~r_m nm{b{g`m|
H$s {ZaVaVm H$mo ~T>mdm XoZo Ho$ {bE ^r, m{YH$aU Zo `h {ZYm[aV
{H$`m h {H$ ~r_m H$n{Z`m `nJV XoI^mb-a{hV (Am\$Z) OrdZ
~r_m nm{b{g`m| H$m Am~Q>Z d`{$H$ ~r_m EO|Q>m| H$mo H$a| {OZH$m
bmBg|g MbZ _| hmo& Am~{Q>V EO|Q> H$m {ddaU ~r_mH$Vm mam
g~{YV nm{bgrYmaH$ H$mo gy{MV {H$`m OmEJm&
2015-16
III.2.7 O~{H$ dm` ~r_m H$s VoOr go d{ hmo ahr h, _w`
nm{bgr eVm] Ho$ n[adVu AW{ZU`m| Ho$ g~Y _| {eH$m`V| {_b ahr
h& ^mdr JmhH$/ nm{bgrYmaH$ H$s `mem H$m g_mYmZ H$aZo Ho$
{bE m{YH$aU Zo dm` ~r_m nm{b{g`m| _| gm_m` $n go `w$
46 eXm| H$s n[a^mfm, 11 J^ra ~r_m[a`m| Ho$ Zm_ Ama CZHo$
{dVma Ed j{Vny{V nm{b{g`m| Ho$ AVJV AndOZ ``m| H$s EH$
gyMr H$m _mZH$sH$aU {H$`m h& gmW hr, dm` ~r_m {d{Z`_,
2013 A{Ygy{MV {H$`o J`o h {OZ_| A` ~mVm| Ho$ gmW-gmW
dm` nm{b{g`m| Ho$ {bE 15 {XZ H$s {ZewH$ AdbmoH$Z (\$s-
bwH$) Ad{Y, Xmdm| na {ZU` H$s gyMZm XoZo Ho$ {bE A{V_ XVmdoO
H$s m{ H$s VmarI go 30 {XZ H$s g_`-gr_m, gwdmVm
(nmoQ>{~{bQ>r) go g~{YV Cn~Y, _mZH$ n[a^mfmE Ama d[a>
ZmJ[aH$m| Ho$ {bE {deof Cn~Y {ZYm[aV {H$`o J`o h&
III.2.8 ~X H$s JB g~ ~r_m nm{b{g`m| Ho$ `dhma g~Yr
{d{Z`_, 2010 _| AmemoYZ {H$`m J`m Vm{H$ AdVm Ad{Y
(bmH$-BZ-nr[a`S>) H$s g_m{ H$m {dMma {H$`o {~Zm, ~X H$aZo H$s
VmarI go Xmo df Ho$ AXa nm{b{g`m| H$m nwZdVZ H$aZo H$m A{YH$ma
nm{bgrYmaH$ H$mo {X`m Om gHo$&
III.2.9 OrdZ ~r_m H$n{Z`m| H$mo {ZXoe {X`m J`m {H$ do g^r
{dkmnZm| _| gMoVH$ gXoe XoVo hE \$Ou \$moZ H$mbm| Ama AdmV{dH$
/ H$nQ>nyU Vmdm| Ho$ ~mao _| OZgmYmaU Ho$ ~rM OmJ$H$Vm H$m
gma H$a|&
III.2.10 `h XoIZo Ho$ ~mX {H$ AmW{JV dm{fH$s `moOZmAm| _|,
{Z{hV VmarI go nhbo nm{bgrYmaH$m| go dm{fH$s {dH$n m Z hmoZo
Ho$ H$maU {Z{hV VmarI na dm{fH$s Ho$ ma^ _| {db~ hmo ahm h VWm
dm{fH$sJm{h`m| H$mo Agw{dYm/ hm{Z hmo ahr h, nm{bgrYmaH$m| Ho$
{hVm| H$m gajU H$aZo Ho$ {bE m{YH$aU Zo AmW{JV n|eZ/ dm{fH$s
`moOZmAm| Ho$ g~Y _| Ohm g^r dm{f{H$`m 1 Ab 2016 go Xo`
hmoZodmbr h, {ZZmZwgma A{YXoe bmJy {H$`m h&
~r_mH$Vm Vmd Ho$ Va na VmdH$Vm mam {d{Yd `w$
dm{fH$s {dH$n m H$aoJm& Vmd \$m_m] _| Amd`H$
`dWm H$s OmEJr& Bgo Vmd/ nm{bgr A{^boI _|
{b`m OmEJm&
102
 dm{fH$ [anmoQ>
g^r AmW{JV dm{fH$s nm{b{g`m| _| Ohm OrdZ ~r_mH$Vm
Zo Vmd Ho$ Va na VmdH$Vm mam `w$ dm{fH$s {dH$n
m Zht {H$`m h, dhm dh AmJo Ama g_` H$s hm{Z Ho$ {~Zm
m {H$`m Om gH$Vm h Ama nm{bgr A{^boIm| _| {b`m Om
gH$Vm h&
{Z{hV VmarI go H$_ go H$_ 6 _hrZo nhbo ~r_mH$Vm CnbY
{d{^ {dH$nm| Ho$ AVJV dm{fH$s am{e Ama M`{ZV {dH$n
H$s gyMZm XoVo hE nm{bgrYmaH$ H$mo EH$ gyMZm-n ^oOoJm&
~r_mH$Vm nm{bgrYmaH$ H$mo ZdrZV_ gyMZm Ho$ AmYma na
AnZo {ZU` H$s g_rjm H$aZo Ama nyd _| AnZo mam M`{ZV
{H$`o J`o {dH$n Ho$ ~Om` {H$gr A` dm{fH$s {dH$n H$m
M`Z H$aZo Ho$ {bE EH$ Adga XmZ H$aoJm& Cg gyMZm-n
_| ~r_mH$Vm nm{bgrYmaH$ H$mo EH$ {d{e> VmarI XoVo hE
n> $n go gy{MV H$aoJm {H$ gemo{YV {dH$n, `{X H$moB
hmo, Ho$ {bE A{V_ Vm[aI {Z{hV VmarI go H$_ go H$_ 90
{XZ nhbo h&
`{X {Z{hV VmarI go H$_ go H$_ 90 {XZ nhbo H$moB gemo{YV
{dH$n m Zht hmoVm h, Vmo ~r_mH$Vm {~Xw 2 na ~Vm`o
J`o $n _| Vmd Ho$ Va na `w$/ ~mX _| gJhrV _yb
{dH$n Ho$ AZwgma AmJo ~T> gH$Vm h Ama dm{fH$s ^wJVmZm|
Ho$ {bE H$madmB H$a gH$Vm h& `{X nm{bgrYmaH$ mam
{H$gr gemo{YV {dH$n H$m `moJ {H$`m OmVm h Omo ~r_mH$Vm
mam {Z{hV VmarI go H$_ go H$_ 90 {XZ nhbo m {H$`m
OmVm h, Vmo dm{fH$s ^wJVmZm| Ho$ g~Y _| H$madmB H$s OmZr
Mm{hE VWm gemo{YV {dH$n Ho$ AZwgma ^wJVmZ {H$`m OmZm
Mm{hE&
III.2.10 AmY Xoe Ama Amo{S>em _| MH$dmV hXhX Ho$ H$maU
OmZ Ama _mb H$mo hB hm{Z Ho$ n[aUm_d$n Cn hmoZodmbo ~r_m
Xmdm| na H$madmB H$aZo Ho$ {bE m{YH$aU Zo ~r_mH$VmAm| H$mo gy{MV
{H$`m h {H$ do H$m`{d{Y H$mo gab ~ZmE Ama Xmdm {ZnQ>mZ _| erKVm
bmZo Ho$ {bE Hw$N> g{H$` H$X_ CR>mE&
III.2.11 m{YH$aU Zo `h A{YXo{eV {H$`m {H$ "g^r ~r_m CnmX
g^m{dV nm{bgrYmaH$ H$mo 4% Ama 8% Ho$ gH$b {Zdoe {Vbm^m|
na JmaQ>rH$V Ama AJmaQ>rH$V bm^m| H$mo g_PmVo hE VWm g_`-
2015-16
g_` na AmBAmaS>rEAmB AWdm OrdZ ~r_m n[afX mam {d{Z{X>
$n _| Amd`H$VmZw$n V`ma {H$`m J`m bm^ {ddaU CnbY
H$amEJo"& `h ^r gy{MV {H$`m J`m {H$ O~ ^r `h {ddaU {dkmnZm|
_| {X`m OmEJm, V~ \$mQ> AmH$ma _| g_mZ _wIVm Ho$ gmW, EH$ hr
WmZ na Ama EH$ hr n> na 4% Ama 8% Ho$ {Zdoe {Vbm^m|
g{hV XmoZm| hr n[a`m| Ho$ gmW hmoZm Mm{hE, Vm{H$ g^m{dV JmhH$
XmoZm| n[a`m| H$s VwbZm H$a gH|$; {Oggo {V\$b Ho$ AmYma na
g^d bm^ H$mo ~ohVa T>J go g_Pm`m Om gHo$&
III.2.12 CoIZr` `mdgm{`H$ d{ Ho$ gmW {ZaVaVm H$s Xam| _|
gwYma bmZo Ho$ {bE, m{YH$aU Zo H$m`n{V VWm {Z`w$ ~r_mH$H$
H$s [anmoQ> Ho$ gmW ~moS> mam AZw_mo{XV {ZaVaVm [anmoQ> Ogr A`
Amd`H$VmAm| H$mo A{YXoem_H$ {H$`m& Bg A{YXoe H$m Co`
g^r {d{Z`m_H$ [anmo{Q>J Ama AmV[aH$ _y`mH$Zm| _| {ZaVaVm Xa
H$s JUZm _| g_$n Ama gw`dpWV H$m`n{V H$mo m H$aZm ^r
h&
III.3 _`d{V`m| AWdm ~r_m _`d{V`m| Ama EO|Q>m| Ho$
{bE Amd`H$ `mo`VmE, AmMaU-g{hVm Ama `mdhm[aH$
{ejU {d{Z{X> H$aZm
~r_m `dgm` _| g^r _`d{V`m| Ho$ {bE bmBg|grH$aU Ama
AmMaU-g{hVm H$mo AmBAmaS>rEAmB A{Y{Z`_, 1999 Ho$ AYrZ
~Zm`o J`o {d{Z`_m| _| ~r_m gd} j H$ Am a hm{Z {ZYm a H$
(bmBg|grH$aU, `mdgm{`H$ AnojmE Ama AmMaU g{hVm)
{d{Z`_, 2000, ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (~r_m
Xbmb) {d{Z`_, 2002, ^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg
m{YH$aU (~r_m EO|Q>m| H$s {Z`w{$) {d{Z`_, 2016 Ama ^maVr`
~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU (H$manmoaoQ> EO|Q>m| H$m
nOrH$aU) {d{Z`_, 2015 mam n> $n go {d{Z{X> {H$`m J`m h&
{d{Z`m_H$ n`dojU H$mo AmJo Ama _O~yV H$aZo Ho$ {bE m{YH$aU
mam {ZZ{b{IV {d{Z`m_H$ T>mMm {ZYm[aV {H$`m J`m h&
1) ~r_mH$VmAm| Ama ao\$ab H$n{Z`m| Ho$ ~rM Vmb_ob H$mo gab
Ama H$maJa ~ZmZo Ho$ {bE AmBAmaS>rE (~r_m CnmXm| Ho$
{dVaU Ho$ {bE So>Q>m~og H$s gmPoXmar) {d{Z`_, 2010 &
`h ao\$ab gWmAm| H$mo Xo` nm[al{_H$ H$s CV_ gr_mE
^r {ZYm[aV H$aVm h VWm dh T>mMm ^r {ZYm[aV H$aVm h
103
 dm{fH$ [anmoQ>
{OgHo$ AVJV ao\$ab gWmAm| Ama ~r_mH$VmAm| H$mo ~r_m
`dgm` gMm{bV H$aZm Mm{hE&
2) A` OrdZ Ama / `m Ja-OrdZ ~r_m H$n{Z`m| H$s godmAm|
H$m Cn`moJ AnZo CnmXm| Ho$ {dVaU hoVw H$aZo Ho$ {bE H${f
~r_m H $ nZr H$mo AZw _ {V XmZ H$aVo h E {XZm H $
11.09.2013 H$m n[an g. AmBAmaS>rE/ S>rAmBEgQ>r/
OrS>rEb/ E_AmBEggr/ 183/ 09/ 2013 Omar {H$`m&
3) "~r_m EO|Q>m| H$s {Z`w{$ Ho$ {bE {Xem{ZX}e, 2015"
A{Ygy{MV H$aVo hE {XZmH$ 16.03.2015 H$m n[an g.
AmBAmaS>rE/ EOrQ>rEg/ grAmBAma/ OrEbS>r/ 046/
03/ 2015 Omar {H$`m Omo 01.04.2015 go dm hmoJm&
4) {XZm H $ 22.04.2015 Ho $ n[an g . AmB A maS> r E/
EOrQ>rEg/ grAmBAma/ OrEbS>r/ 081/ 04/ 2015 Ho$
AZwgma {XZmH$ 01.07.2015 go ZB nmR>H$_ gm_Jr
AmBgr 32 ma^ H$s JB h& Omo C_rXdma AmBgr-32 _|
AhVm m H$a|Jo, do Q>S>AbmoZ dm` ~r_mH$Vm mam
EO|Q>m| Ho$ $n _| {Z`w$ {H$`o OmZo Ho$ {bE nm hm|Jo& AmBgr
33 Ho$ {bE Z`m nmR>H$_ ^r dm` ~r_m g~Yr A`m`m|
Ho$ gmW 01.07.2015 go ma^ {H$`m J`m h&
5) {XZmH$ 18.11.2015 Ho$ n[an gX^ AmBAmaS>rEAmB/
grEOrQ>rEg/ OrS>rEb/ EbgrB/ 202/ 11/ 2015 Ho$
AZwgma AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU)
{d{Z`_, 2015 Ho$ AVJV nOrH$aU _mUn m H$aZo
Ho$ {bE AZwXoe Omar {H$`o&
6) AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU) {d{Z`_,
2015 na n>rH$aUm| Ho$ g~Y _| {XZmH$ 10.02.2016
H$m n[an g. AmBAmaS>rE/ grEOrQ>rEg/ grAmBAma/
EbgrB/ 029/ 02/ 2016 Omar {H$`m&
III.4 gd}jH$m| Ama hm{Z {ZYmaH$m| Ho$ {bE AmMaU g{hVm
{d{Z{X> H$aZm
III.4.1 gd}jH$ Ama hm{Z {ZYmaH$ Ho$ H$V` Ama Xm{`d
AmBAmaS>rEAmB (~r_m gd}jH$ Ama hm{Z {ZYmaH$) {d{Z`_,
2015-16
2015 Ho$ A`m` _| {d{Z{X> {H$`o J`o h& {d{Z`_ 13 _| A`
~mVm| Ho$ gmW-gmW {ZZ{b{IV ~mV| H$hr JB h {H$
`h `oH$ bmBg|gm gd}jH$ Ama hm{Z {ZYmaH$ H$m H$V`
hmoJm {H$ dh {H$gr ^r AmH$p_H$Vm go Cn hmoZodmbr
hm{Z`m| (Mmho ~r_mH$V hm| AWdm Zht) H$m AdofU, ~Y,
n[a_mU {ZYmaU, _mUrH$aU Ama {ZnQ>mam H$ao VWm CgHo$
g~Y _| ~r_mH$Vm AWdm ~r_mH$V `{$ H$mo gy{MV H$ao&
g^r bmBg|gm gd}jH$ Ama hm{Z {ZYmaH$ Cn`w$ H$m`
gj_Vm, dVw{Z>Vm Ama `mdgm{`H$ g`{Z>Vm Ho$ gmW
H$a|Jo VWm AmBAmaS>rEAmB (~r_m gd}jH$ Ama hm{Z
{ZYmaH$) {d{Z`_, 2015 _| {ZYm[aV $n _| AmMaU-g{hVm
H$m H$S>mB go nmbZ H$a|Jo&
III.4.2 BgHo$ Abmdm, nm{bgrYmaH$m| Ho$ {hVm| H$m gajU H$aZo
Ho$ {bE m{YH$aU Zo AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hV H$m gajU)
{d{Z`_, 2002 ~Zm`o h& Cn`w$ {d{Z`_ Ho$ {d{Z`_ 9 Ho$ AVJV
Ja-OrdZ nm{bgr Ho$ g~Y _| Xmdm| Ho$ {ZnQ>mZ na H$madmB H$aVo
g_` gd}jH$m| Ama hm{Z-{ZYmaH$m| mam AmMaU-g{hVm H$m nmbZ
H$aZo na A{V[a$ $n go ~b {X`m J`m h&
df 2015-16 Ho$ XmamZ, m{YH$aU Zo gd}jH$m| go g~{YV
{ZZ{b{IV n[an/AmXoe Omar {H$`o h :
gd}jH$m| Ama hm{Z-{ZYmaH$m| H$s {Z`w{$ Ho$ g~Y _| gmYmaU
~r_mH$VmAm| Ho$ g^r _w` H$m`H$mar A{YH$m[a`m| (grBAmo)
H$mo {XZmH$ 14 OwbmB 2015 H$m EH$ n[an g. AmBAmaS>rE/
EZEb/ grAmBAma/ E_AmBEggr/ 129/ 07/ 2015
Omar {H$`m J`m Ama CZH$mo Bg {d{Z`m_H$ Anojm H$m
H$R>moaVmnydH$ nmbZ H$aZo Ho$ {bE gy{MV {H$`m J`m {H$
gmYmaU ~r_m `dgm` Ho$ g~Y _| ~r_m H$s nm{bgr Ho$
AVJV ~rg hOma n`o go A{YH$ hm{Z H$m {ZYmaU H$aZo Ho$
{bE Xmdo H$s gyMZm m hmoZo go 72 KQo> Ho$ AXa gd}jH$
Ama hm{Z {ZYmaH$ H$s {Z`w{$ ~r_mH$Vm Ama ~r_mH$V `{$
H$mo N>moS>H$a H$moB A` `{$ Zht H$a gH$Vm&
AmBAmaS>rEAmB (~r_m gd}jH$ Ama hm{Z {ZYmaH$)
{d{Z`_, 2015 gaH$mar amOn _| 3 Zd~a 2015 H$mo
104
 dm{fH$ [anmoQ>
A{Ygy{MV {H$`o J`o& `o {d{Z`_ ~r_m gd}jH$ Ama hm{Z
{ZYmaH$ (bmBg|grH$aU, `mdgm{`H$ AnojmE Ama
AmMaU-g{hVm) {d{Z`_, 2000 H$m A{YH$_U H$aVo h&
AmBAmaS>rEAmB (~r_m gd}jH$ Ama hm{Z {ZYmaH$)
{d{Z`_, 2015 (gd}jH$ {d{Z`_) Ho$ {d{Z`_ 10 Ho$
AZwgma gd}jH$m| Ama hm{Z-{ZYmaH$m| H$s g{_{V Ho$ nwZJR>Z
Ho$ g~Y _| {XZmH$ 22 {Xg~a 2015 H$m EH$ AmXoe g.
AmBAmaS>rE/ Eg`yAma/ AmoAmaS>r/ E_AmBEggr/ 226/
12/ 2015 & g{_{V H$s H$m`md{Y g{_{V H$m JR>Z hmoZo
H$s VmarI go VrZ df H$s Ad{Y Ho$ {bE hmoJr& `h g{_{V
AnZo H$m`m] H$m {ZdhU gd}jH$ {d{Z`_ Ho$ {d{Z`_ 11 _|
{ZYm[aV $n _| H$aoJr&
bmBg|g g. 15006 Ho$ AVJV lr gOrd gmoZr, gd}jH$
Ama hm{Z-{ZYmaH$ Ho$ _m_bo _| {XZmH$ 12 \$adar 2016
H$m AmXoe g. AmBAmaS>rE/ Eg`yAma/ AmoAmaS>r/
E_AmBEggr/ 028/ 02/ 2016 &
Mma AmM{bH$ [a{$`m| Ho$ {bE ^maVr` ~r_m gd}jH$ Ama
hm{Z {ZYmaH$ gWmZ (AmBAmBAmBEgEbE) Ho$ AmR>d|
n[afX MwZmd gMm{bV H$aZo Ho$ {bE MwZmd A{YH$mar H$s
{Z`w{$ Ho$ g~Y _| 16 \$adar 2016 H$m AmXoe g.
AmBAmaS>rE/ Eg`yAma/ E_AmBEggr/ AmoAmaS>r/ 030/
02/ 2016 &
lr _wZre nmamea, EgEbE 72810 Ama _ogg nwar H$m\$S>
AmBEgEbE mBdoQ> {b{_Qo>S> EgEbE 72398 Ho$ _m_bo
_| {XZmH$ 25 \$adar 2016 H$m AmXoe g. AmBAmaS>rE/
Eg`y A ma/ Amo A maS> r / E_AmB E ggr/ 034/ 02/
2016 &
III.5 ~r_m `dgm` Ho$ gMmbZ _| Hw$ebVm H$mo ~T>mdm XoZm
~r_m ^S>ma ([anmo{OQ>arO)
III.5.1 ~r_m [anmo{OQ>ar Umbr ~r_m nm{b{g`m| H$mo A_yVuH$V
(S>r_oQ>r[a`bmBO) H$aZo Ho$ {bE m{YH$aU H$s EH$ nhb h& Cg
Co` H$s ny{V Ho$ {bE m{YH$aU Zo Ab 2011 _| ~r_m [anmo{OQ>[a`m|
Ama ~r_m nm{b{g`m| Ho$ BbQ>m{ZH$ {ZJ_ Ho$ g~Y _| {Xem{ZX}e
105
2015-16
Omar {H$`o& ~r_m ^S>ma ([anmo{OQ>ar) Ho$ $n _| H$m` H$aZo Ho$ {bE
m{YH$aU Zo nmM gWmAm| H$mo nOrH$aU _mUn XmZ {H$`o&
III.5.2 m{YH$aU Zo AmJo _mOyXm Umbr H$mo ~T>mdm XoZo Ama
~mOma H$s d{m H$mo g_PZo Ho$ {bE "~r_m [anmo{OQ>ar Umbr Ho$
m`mo{JH$ ma^ g~Yr {Xem{ZX}e" Omar {H$`o& Bg nhb na
{VgyMZm (\$sS>~H$) A`V gH$mam_H$ ahr VWm bJ^J 1.8
bmI BEbE (BbQ>m{ZH$ ~r_m ImVo) Imobo J`o h& BgHo$ Abmdm,
bJ^J 50,000 nm{bgrYmaH$m| Zo AnZr hmS> H$mnr H$mo BbQ>m{ZH$
$n _| n[ad{VV H$aZo Ho$ {bE {M XemB&
III.5.3 BgHo$ CnamV, _B 2015 _| m{YH$aU Zo "~r_m [anmo{OQ>[a`m|
Ama ~r_m nm{b{g`m| Ho$ BbQ>m{ZH$ {ZJ_ g~Yr gemo{YV
{Xem{ZX}e" Omar {H$`o h& dV_mZ _| Hw$b 8,07,705 BEbE ImVo
h VWm Hw$b 4,11,832 nm{b{g`m| H$mo BboQ>m{ ZH$ n{V _| n[ad{VV
{H$`m J`m h&
AZw_mo{XV ~r_m [anmo{OQ>[a`m| H$s gyMr gmaUr III.1 _| Xr JB h&
gmaUr III.1
m{YH$aU mam AZw_mo{XV ~r_m ^S>ma ([anmo{OQ>arO)
(31 _mM 2016 H$s pW{V Ho$ AZwgma)
H$_ g. Zm_
1 ZoeZb ~r_m nm{bgr [anmo{OQ>ar, EZEgS>rEb So>Q>m~og
~Y {b{_Qo>S>
2 grS>rEgEb ~r_m [anmo{OQ>ar {b{_Qo>S>
3 grEE_Eg [anmo{OQ>ar g{dgoO {b{_Qo>S>, Mo
4 H$mdu ~r_m [anmo{OQ>ar {b{_Qo>S>, hXam~mX
BboQ>m{ZH$ boZXoZ ~Y Ama {ZnQ>mZ Umbr (BQ>rEEgEg)
III .5.4 Bbo Q > m { ZH$ bo Z Xo Z ~ Y Am a {ZnQ> m Z Umbr
(BQ>rEEgEg) EH$ g_memoYZ Jh (pb`[aJ hmCg) Umbr h Omo
gh-~r_m Ama nwZ~u_m boZXoZm| go g~{YV XVmdoOm| Ama boIm-
{ddaUm| H$s gmPoXmar H$mo gwgm` ~ZmVr h VWm AVa-gWm eofm|
Ho$ gwJ_VmnydH$ g_mYmZ _| ghm`Vm nhMmZo Ho$ {bE A{^H$pnV
 dm{fH$ [anmoQ>
h& BQ>rEEgEg dMm{bV dmVm, boZXoZ WmnZ, Omo{I_m| H$m ~YZ,
boIrH$aU, boImH$Z, eof am{e`m| H$m g_mYmZ Ama {ZnQ>mZ,
gXoe-ofU, Omo{I_ ~Y, Am{X Ho$ {bE BboQ>m{ZH$ H$m`m_H$Vm
CnbY H$amVr h& BQ>rEEgEg Umbr gX`m| H$s gwajm Ama
JmonZr`Vm g~Yr Amd`H$VmAm| H$m g_mYmZ H$aZo Ho$ gmW hr,
nwZ~u_m Ama gh-~r_m n[aMmbZm| _| gnyU nmaX{eVm bmZo Ho$ {bE
`mg H$aoJr&
III.5.5 m{YH$aU Zo C$ BQ>rEEgEg Umbr H$m {dH$mg Ama
H$m`md`Z H$aZo H$m Xm{`d gmYmaU ~r_m (OrAmB) n[afX H$mo
gmnm Wm& OrAmB n[afX Zo BQ>rEEgEg Ho$ {dH$mg, narjU Ama
H$m`md`Z Ho$ XmamZ Ja-OrdZ ~r_mH$VmAm| H$mo g~ {H$`m& BgHo$
nhbo MaU _| BQ>rEEgEg H$m A{^H$nZ "A{' (\$m`a) gh-
~r_m boZXoZm| H$m g_WZ H$aZo Ho$ {bE {H$`m J`m VWm BgH$m ma^
AmnMm[aH$ $n go 27 Ab 2015 H$mo {H$`m J`m& m{YH$aU Zo
BQ>rEEgEg Ho$ gwMm n[aMmbZ H$mo gwgm` ~ZmZo VWm CgHo$ {ZaVa
{dH$mg Ama gajU Ho$ {bE 11 _B 2015 H$mo "BQ>rEEgEg emgZ
Ho$ {bE {Xem{ZX}e' Omar {H$`o Wo& OrAmB n[afX H$mo "emgH$' Ho$
$n _| m{YH$V {H$`m J`m h Ama Ch| gh-~r_m H$s A` `dWmAmo
Ama ~mX _| nwZ~u_m H$s Amd`H$VmAmo H$mo g_WZ XoZo Ho$ {bE
BQ>rEEgEg Umbr H$m {dVma H$aZo H$m Xm{`d gmnm J`m h&
III.5.6 OrAmB n[afX Zo AmZbmBZ {ZnQ>mZm| Ho$ gmW hr, `dgm`
H$s \$m`a `dWm (EbAmo~r) _| gh-~r_mAm| Ho$ gmW `dhma
H$aZodmbr BQ>rEEgEg Ho$ MaU 2 H$m `moJ (bmBd) 01 Ab
2016 H$mo ma^ {H$`m h& BQ>rEEgEg MaU 2 \$m`a EbAmo~r _|
gh-~r_mAm| Ho$ {bE H$n{Z`m| Ho$ ~rM g_mYmZ Ama {ZnQ>mZm| Ho$
{bE EH$ gmPo H$m boQ>\$m_ CnbY H$amZo _| g\$b ahm h&
BQ>rEEgEg MaU 2 Ho$ EH$ ^mJ Ho$ $n _| OrAmB n[afX Zo hmS>doAa
Ama gwajm H$s {deofVmAm| H$mo AnJoS> H$aZm ^r ma^ {H$`m h
{Oggo BQ>rEEgEg boQ>\$m_ na boZXoZ H$aZo Ho$ {bE So>Q>m gwa{jV
aIm Om gHo$ Ama H$n{Z`m| H$mo gwa{jV nhM H$s n{V`m CnbY
H$amB Om gH|$& OrAmB n[afX BQ>rEEgEg MaU 3 H$s ^r `moOZm
~Zm ahr h {OgHo$ 01 OZdar 2017 VH$ n[aMm{bV hmoZo H$s g^mdZm
2015-16
h {Oggo {Zdb am{e`m| Ho$ {Z~mY AVaU Ho$ {bE `dWm Ho$ gmW
C$ boQ>\$m_ Ho$ _m`_ go g^r gh-~r_mAm| H$mo g^mbm Om gHo$Jm&
So>Q>m _mZH$
III.5.7 ~r_m jo _| ~h{dY gWmAmo H$s AmBQ>r Um{b`m| Ho$
gab BQ>a\o$qgJ H$mo gwgm` ~ZmZo Ho$ {bE m{YH$aU Zo So>Q>m _mZH$m|
Ho$ gH$bZ H$m H$m` ma^ {H$`m Wm& So>Q>m _mZH$ gyMZm Ho$ AmXmZ-
XmZ Ho$ {bE gm_m` n[a^mfmE Cn H$aVo h& `h gJR>Z Ho$ AXa
Ama ~mha XmoZm| hr OJh ~h{dY Um{b`m| Ho$ gab BQ>a\o$qgJ _|
ghm`Vm H$aVm h&
III.5.8 ~r_m [anmo{OQ>ar Umbr H$m g_WZ H$aZo Ho$ {bE _mZH$
{dVm` _mH$An ^mfm (EgE_Eb) `moOZm (H$s_m) {Og_| jo
n[a^mfmE, jo H$s {deofVmE Ama gXoe H$s {df`-dVw {Z{hV h,
H$m nyd _| OrdZ IS> Ho$ {bE ~h{dY {Ibm{S>`m| Ho$ ~rM So>Q>m Ho$
{d{Z_` Ho$ {bE gmPm {H$`m J`m Wm& Bgr H$ma, `dgm` H$s
"dm`' Ama "_moQ>a' `dWmAmo H$s Amd`H$VmAm| H$mo g_WZ
XoZo Ho$ {bE `moOZmAmo (H$s_mAm|) H$mo A{V_ $n {X`m J`m h& `o
`moOZmE (H$s_mO) ~r_m [anmo{OQ>ar Umbr _| Ja-OrdZ ~r_m
boZXoZm| H$s "d`{$H$ `dWmAmo' H$m g_WZ H$a|Jr&
AVaam>r` {dmr` godm Ho$
III.5.9 ^maV gaH$ma Zo Xoe _| {dmr` godmAm| Ho$ jo go A`{YH$
_y` dmbr ZmH$[a`m| H$m {Z_mU H$aZo Ho$ Co` go VWm {dmm`
ddrH$aU Ho$ {bE EH$ _mJ ImobZo Ho$ {bE {JQ> (OrAmBE\$Q>r)
{gQ>r, JwOamV _| EH$ AVaam>r` {dmr` godm Ho$ (AmBE\$Eggr)
H$s WmnZm H$s Wr& AmBE\$Eggr H$m EH$ _w` Co` Eogm n[adoe
CnbY H$amZm h Ohm Zr{V _| Z`o {dMmam| Ho$ gmW {Z`{V `moJ hmo
gH|$& Bg nhb Ho$ EH$ ^mJ Ho$ $n _| ^maV gaH$ma Zo m{YH$aU Ho$
{d{Z`m_H$ n`dojU Ho$ AYrZ AZw_{V Xr Om gH$Zodmbr EH$
J{V{d{Y Ho$ $n _| nwZ~u_m `dgm` H$s nhMmZ H$s Wr& m{YH$aU
Zo 6 Ab 2015 H$mo AVaam>r` {dmr` godm Ho$ {Xem{ZX}e,
2015 Omar {H$`o Wo, Omo {deof Am{WH$ jo (EgBOoS>) Ho$ AXa
106
 dm{fH$ [anmoQ>
nwZ~u_m `dgm`/ {d{Z{X> `j ~r_m `dgm` H$aZo Ho$ {bE
EgBOSo > _| EH$ AmBE\$Eggr ~r_m H$m`mb` (AmBAmBAmo) Wm{nV
H$aZo Ho$ {bE m{YH$aU mam nOrH$aU _mUn XmZ {H$`o J`o
{H$gr ~r_mH$Vm AWdm {H$gr {dXoer {d{Z`m_H$ AWdm n`dojr
m{YH$mar Ho$ nmg nOrH$V {H$gr ~r_mH$Vm H$mo AZw_{V XmZ H$aVo
h& VWm{n, AmBAmBAmo AmBAmaS>rEAmB (EgBOSo > _| ~r_m `dgm`
H$m {d{Z`_Z) {Z`_, 2015 Ho$ g_J {dVma Ho$ AXa ~r_m Ama
nwZ~u_m Ho$ `dgm` H$m Omo{I_-AH$Z H$aZo Ho$ {bE {ZYm[aV eVm]
H$m AZwgaU H$aoJm& m{YH$aU H$mo {JQ> {gQ>r, JwOamV _| AmBAmBAmo
ImobZo Ho$ {bE "Xr `y B{S>`m E`moa|g H$nZr {b{_Qo>S>" go AmdoXZ
m hAm h& AmBE\$Eggr Bg H$ma Xoe _| "nwZ~u_m Ho$" (h~)
Ho$ {Z_mU Ho$ {bE Ano{jV boQ>\$m_ CnbY H$amEJm& Ohm {dXoer
nwZ~u_m Ho$ gmW gmW Kaoby `dgm` ^r {H$`o Om gH|$Jo&
III.6 ~r_m Ama nwZ~u_m `dgm` Ho$ gmW g~ `mdgm{`H$
gJR>Zm| H$m gdYZ Ama {d{Z`_Z H$aZm
III.6.1 OrdZ ~r_m n[afX Ama gmYmaU ~r_m n[afX Omo ~r_m
A{Y{Z`_, 1938 Ho$ AYrZ gm{d{YH$ {ZH$m` h, H$_e OrdZ
~r_m H$n{Z`m| Ama Ja-OrdZ ~r_m H$n{Z`m| H$m {Z$nU H$aVr h&
`o n[afX| {d{^ m{YH$m[a`m| Ho$ g_j {dMma-{d_e Ama
{V{Z{Yd, ~r_m g~Y r OmJ$H$Vm H$s `m{, dV_mZ / Vm{dV
{d{Z`m_H$ eVm] Ho$ g~Y _| {Z{d{>`m CnbY H$amZo Ho$ mam CmoJ
H$s dW gd{ H$s {Xem _| `moJXmZ H$aVr h& BZ d-{d{Z`m_H$
{ZH$m`m| H$m {dH$mg CmoJ H$s gd{ Ho$ {bE _hdnyU jom| Ho$
g~Y _| AnZo {>H$moU VwV H$aZo Ho$ {bE CmoJ Ho$ {bE ew^
gHo$V XoVm h&
Bgr H$ma H$s `dWmAm| _| m{YH$aU mam bmBg|grH$V Xbmbm|
go `h Amd`H$ $n go Ano{jV h {H$ do ^maVr` ~r_m Xbmb gK
(AmB~rEAmB) Ho$ gX` hm|&
III.6.2 ^maVr` ~r_m gd}jH$ Ama hm{Z {ZYmaH$ gWmZ
(AmBAmBAmBEgEbE) EH$ Eogm gWmZ h Omo m{YH$aU mam
2015-16
d{VV Ama Wm{nV h VWm H$nZr A{Y{Z`_, 1956 H$s Ymam 25
Ho$ AYrZ {ZJ{_V h& gd}jH$ H$m bmBg|g XmZ H$aZo Ho$ {bE C$
gWmZ H$s gX`Vm A{Zdm` h& `h gWmZ d-{d{Z`m_H$ {ZH$m`
Ho$ $n _| H$m` H$aVm h&
dm` ~r_m \$moa_
III.6.3 C$ dm` ~r_m \$moa_, m{YH$aU, dm` ~r_m XmZ
H$aZodmbo ~r_mH$VmAm|, A` nj ~YH$m|, gaH$ma, AnVmbm|,
{M{H$gm _hm{dmb`m| Ama CmoJ {ZH$m`m| g{hV, dm` ~r_m
jo Ho$ {d{^ {hVYmaH$m| Ho$ {V{Z{Yd Ho$ gmW 2 \$adar 2012
H$mo J{R>V {H$`m J`m& Bg \$moa_ Ho$ JR>Z H$m _yb^yV Co`
OZgmYmaU, Omo dm` ~r_m godmAm| Ho$ A{V_ Cn^mo$m h, H$mo
godm Ho$ {dVaU _| gwYma bmZo H$s {> go dm` ~r_m `dgm` go
g~{YV g^r {hVYmaH$m| Ho$ {bE EH$ gmPo H$m boQ>\$m_ CnbY
H$amZm VWm dm` ~r_m Ho$ g~Y _| XmoZm| CnmXm| Ama {dVaU`mo`
godmAm| go g~{YV {d{^ {df`m| na {dMma-{d_e H$aZm h&
III.6.4 df 2015-2016 Ho$ XmamZ C$ \$moa_ H$s EH$ ~R>H$ _mh
{Xg~a 2015 _| hB& MMm Ho$ {bE {b`o J`o {df` Wo, J^ra ~r_m[a`m|
Ho$ Zm_m| _| gemoYZ, _mZH$ n[a^mfmAm| _| AmemoYZ, _mZ{gH$ Ama
emar[aH$ $n go Ae$ `{$`m| Am{X Ho$ {bE ~r_majm A{^H$pnV
H$aZm, ~r_m Ho$ ZoQ>dH$ _| AnVmbm| H$s a{OQ>r (amo{hUr), ~r_m
{d{Y (gemoYZ) A{Y{Z`_, 2015 Ho$ AmbmoH$ _| AmBAmaS>rEAmB
mam Q>rnrE {d{Z`_m| H$s g_rjm Ed dV_mZ {d{Z`_m| _| A`
gemoYZ&
\$moa_ H$m Co` Cn-g_yhm| Ho$ mam BZ jom| _| AmJo Ama H$m` H$aZm
VWm dm` ~r_m CmoJ _| Z`o {Ibm{S>`m| H$mo mogm{hV H$aZo Ho$
{bE g_WH$mar n[adoe H$m {Z_mU H$aZm Ama BgHo$ mam h_mao Xoe
Ho$ g^r bmoJm| Ho$ {bE dhZr` dm` ~r_m H$s CnbYVm _| d{
H$aZm h&
107
 dm{fH$ [anmoQ> 2015-16

~mg _X 2
~r_m H$n{Z`m| Ho$ {bE H$manmoaoQ> A{^emgZ H$m T>mMm
H$nZr A{Y{Z`_, 1956 H$mo EH$ ~S>r gr_m VH$ H$nZr A{Y{Z`_, 2013 mam {VWm{nV {H$`m J`m h, {OgZo H$n{Z`m| Ho$
A{^emgZ Ho$ g~Y _| H$B eV] bmJy H$s Wt& ~r_m A{Y{Z`_, 1938 _| ^r {Xg~a 2014 _| CoIZr` $n _o gemoYZ {H$`m J`m Wm
Ama BgHo$ n[aUm_d$n m{YH$aU mam H$B Z`o {d{Z`_ Omar {H$`o J`o Wo& Bg n>^y{_ _o `h Amd`H$ g_Pm J`m {H$ ~r_m {d{Y
Ho$ Cn~Ym| Ed ^maV _| ~r_m H$n{Z`m| Ho$ {bE bmJy H$manmoaoQ> A{^emgZ WmAm| Ama {Xem{ZX}em| Ho$ g~Y _| g_rjm H$s OmE&
m{YH$aU Zo g^r {hVYmaH$m| Ho$ gmW nana g{H$`Vm Ho$ CnamV 18 _B 2016 H$mo ~r_m H$n{Z`m| Ho$ {bE gemo{YV H$manmoaoQ>
A{^emgZ {Xem{ZX}e Omar {H$`o& gemo{YV {Xem{ZX}e H$manmoaoQ> A{^emgZ WmAm|, ~r_m H$n{Z`m| Ho$ E_S>r/ grBAmo/ S>`yQ>rS>r
Ama A` ~YZ Ho$ _wI `{$`m| (Ho$E_nr) H$s {Z`w{$ Ed gm{d{YH$ boIm-narjH$m| H$s {Z`w{$ go g~{YV eVm] H$mo gp_{bV
H$aVo h& C$ {Xem{ZX}em| mam g^r ~r_mH$VmAm| go `h Anojm H$s JB h {H$ do H$manmoaoQ> A{^emgZ H$s eVm] Ho$ g~Y _| AZwnmbZ H$s
pW{V {Z{X> H$aVo hE dm{fH$ AmYma na m{YH$aU H$mo EH$ OmM-gyMr VwV H$a|& `o {dmr` df 2016-17 go boH$a AmJo bmJy h&
~r_m CmoJ Ho$ {d{e> d$n H$mo `mZ _| aIVo hE C$ {Xem{ZX}em| _| ~moS> H$s g{_{V`m|, boIm-narjH$m|, dV {ZXoeH$m| H$s
`mo`VmAmo Ama AZw^d Ho$ _mZXS>m|, H$manmoaoQ> gm_m{OH$ {O_oXmar Ama ~m`VmAmo, Am{X go g~{YV {deof Cn~Y em{_b {H$`o J`o
h& BZ {Xem{ZX}em| Zo ~r_m H$n{Z`m| Ho$ {bE {ZYm[aV eVm] H$mo H$nZr A{Y{Z`_, 2013 Ho$ Cn~Ym| Ho$ gmW K{Z> $n go n{$~ {H$`m
h& ~YZ Ho$ _wI `{$`m| (Ho$E_nr) Ama {ZXoeH$ _S>b Ho$ gX`m| H$s {Z`w{$ Ama [anmo{Q>J H$mo H$manmoaoQ> A{^emgZ {Xem{ZX}em|
_| EH$sH$V {H$`m J`m h& ~r_m H$n{Z`m| Ho$ {bE ~moS> mam Ho$E_nr H$s {Z`w{$ Ho$ {bE Zm_mH$Z Ama nm[al{_H$ g{_{V mam {g\$m[ae
H$s C{MV {H$`m H$mo gw{ZpMV H$aZo H$s Amd`H$Vm h VWm Eogr {Z`w{$`m| Ho$ g~Y _| C{MV gmdYmZr Ho$ Cn`w$ A{^boI aIZo H$s
Amd`H$Vm h&
C$ {Xem{ZX}em| _| ~r_m H$n{Z`m| mam dm{fH$ [anmoQ>m] _| {d{^ H$ma Ho$ H$Q>rH$aU H$aZo Ho$ {bE ^r `dWm H$s JB h& `o {Xem{ZX}e
~r_m H$n{Z`m| Ho$ A{^emgZ _mZH$m| Ama WmAm| Ed H$Q>rH$aU H$s AnojmAm| Ho$ g~Y _| gyMr~ gWmAm| Ho$ gmW `yZV_ _mZXS>
{Z{X> (~|M_mH$) H$aZo H$s Anojm H$aVo h&
m{YH$aU Zo ^r E_S>r Ama grBAmo VWm Ja-H$m`H$mar {ZXoeH$m| Ho$ nm[al{_H$ Ho$ g~Y _| _mJXeu {ZX}e Omar {H$`o h& `h _mJXeZ
_w` $n go {Z`V Ama n[adVu, XmoZm| H$ma Ho$ nm[al{_H$ Ho$ {d{^ KQ>H$m| VWm BZHo$ ^wJVmZ H$s {d{Y go g~{YV h& nm[al{_H$ Ama
j{Vny{V Zr{V VWm mogmhZm| H$m ^wJVmZ EH$ ~moS> mam AZw_mo{XV Zr{V Ho$ AYrZ hmoZm Mm{hE Ama Bgo g_yMo gJR>Z _| EH$g_mZ $n
go H$m`mpdV {H$`m OmZm Mm{hE&

III.7 A{Y{Z`_ Ho$ `moOZm| Ho$ H$m`md`Z Ho$ {bE ewH$
Ama A` ^mam| H$s CJmhr
III.7.1 ~r_mH$VmAm| Ama _`d{V`m| Ho$ {bE dV_mZ ewH$ H$s
gaMZm AZw~Y 2 _| {Z{X> H$s JB h&
III.8 ~r_mH$VmAm|, _`d{V`m|, ~r_m _`d{V`m| Ama ~r_m
`dgm` go g~ A` gJR>Zm| H$s boIm-narjm g{hV CZgo
gyMZm _mJZm, CZH$m {ZarjU H$aZm, CZH$s OmM Ama AdofU
H$m gMmbZ H$aZm
III.8.1 m{YH$aU, {ZarjU {d^mJ Ho$ _m`_ go {d{Z`{_V
gWmAm| mam g~{ YV A{Y{Z`_m|, {d{Z`_m|, {Xem{ZX}em|/ n[anm|,
{ZXoem|, _mZH$m|, Am{X Ho$ Cn~Ym| Ho$ AZwnmbZ Ho$ g~Y _| CZH$m
WmZ-na (AmZ-gmBQ>) n`dojU H$aVm h&
III .8.2 ~r_m A{Y{Z`_, 1938 H$s Ymam 33 Am a
AmBAmaS>rEAmB A{Y{Z`_, 1999 H$s Ymam 14(2)(EM)
~r_m H$n{Z`m|, _`d{V`m|, ~r_m _`d{V`m| Ama ~r_m `dgm`
Ho$ gmW g~ A` gJR>Zm| H$s OmM g{hV, WmZ na (AmZ-
gmBQ>) {ZarjU H$aZo Ho$ {bE gm{d{YH$ Cn~Y {ZYm[aV H$aVr h&
n`dojr {ZarjU H$_ go H$_ EH$ Xmo-_wIr {>H$moU AWm namoj
(Am\$-gmBQ>) OmM Ama WmZ na (AmZ-gmBQ>) {ZarjU, H$mo
g~ H$aVm h& g~{YV A{^boIm|, boIm-~{h`m| Ama `mdgm{`H$
H$m`H$bmnm| H$s OmM Ho$ mam {d{Z`{_V gWmAmo H$s H$m`n{V Ho$

108
 dm{fH$ [anmoQ>
_y`mH$Z Ho$ {bE WmZ na CZHo$ `mnH$ Ama gHo$pV {ZarjU
{H$`o J`o& {d{^ {d{Z`m_H$ Cn~Ym| Ama g^r A` `mo` {d{Y`m|
H$s {d{e> AZwnmbZ pW{V, dVH$m|/ {ZXoeH$m| H$s Omo{I_-dhZ-
j_Vm, `dgm` H$s Am`moOZm, Omo{I_ ~Y VWm H$manmoaoQ>
A{^emgZ T>mM o Ama g_J Omo{I_ $naoIm (mo\$mBb) H$m _y`mH$Z
H$aZo Ho$ {bE {ZarjU g~Y r _mZH$ {Z`_-nwVH|$ (_ZAw g) Cn`w$
$n go Amd`H$VmZwgma V`ma H$s JB&
III.8.3 {dmr` df 2015-16 Ho$ XmamZ, {ZarjU {d^mJ Zo
58 {ZarjU gMm{bV {H$`o, {OZH$m {ddaU {ZZmZwgma h
- 5 OrdZ ~r_m H$n{Z`m
- 3 gmYmaU ~r_m H$n{Z`m
- 2 dm` ~r_m H$n{Z`m
- 11 ~r_m Xbmb
- 14 A` nj ~YH$ (Q>rnrE)
- 10 do~ gJmhH$
- 9 H$manmoaoQ> EO|Q>, Ama
- 4 gHo$pV (\$moH$S>) {ZarjU&
gHo$pV {ZarjUm| Ho$ jom| _|, ~r_mH$VmAm| H$s {eH$m`V {ZdmaU
`dWm, _`d{V`m| Ama A` g~{YV gWmAm| Ho$ {d{e> dJ
H$mo ^wJVmZ, Ama m{YH$aU mam m H$s JB {d{e> {eH$m`V|,
em{_b Wt&
III.9 ~r_m A{Y{Z`_, 1938 (1938 H$m 4) H$s Ymam 64`y
Ho$ AYrZ gmYmaU ~r_m `dgm` Ho$ g~Y _| ~r_mH$VmAm|
mam Vm{dV H$s OmZodmbr Xam|, bm^m| Ama eVm] H$m {Z`U
Ama {d{Z`_Z Omo ewH$ gbmhH$ma g{_{V mam CVZr
{Z`{V Ama {d{Z`{_V Zht h
III.9.1 _moQ>a A` nj ~r_m ajm H$mo N>moS>H$a ewH$ `dgm` Ho$
g^r dJm] Ho$ {bE 1 OZdar 2007 go Ja-OrdZ CmoJ H$mo ewH$
go _w$ (S>rQ>[aq\$J) H$aZo Ho$ gmW hr, `h gw{ZpMV H$aZo Ho$ {bE
g~go nhbo H$X_ CR>m`o J`o {H$ CnmXm| Ho$ H$s_V-{ZYmaU _| ~r_m
H$n{Z`m| H$mo dVVm hmo& _moQ>a A` nj ~r_majm Ho$ {bE, Omo
2015-16
_moQ>a dmhZ A{Y{Z`_, 1988 Ho$ Cn~Ym| Ho$ AVJV Ano{jV EH$
gm{d{YH$ ~r_m ajm h, m{YH$aU Zo Xam| Ama eVm] H$m {ZYmaU
H$aZo Ho$ A{YH$ma AnZo nmg aI {b`o h& m{YH$aU Zo {XZmH$ 15
Ab 2011 Ho$ AmXoe g. AmBAmaS>rE/ EZEb/ EZQ>rE\$EZ/
E_AmoQ>rnr/ 066/ 04/ 2011 Ho$ AZwgma A{Ygy{MV {H$`m {H$
Xam| Ho$ gemoYZ Ho$ ~rM b~o AVamb nm{bgrYmaH$m| Ed ~r_m H$n{Z`m|
na EH$ n[ahm` X~md S>mbVo h Ama Bg{bE Xam| H$s g_rjm Ama
g_m`moOZ m{YH$aU mam A{Ygy{MV \$m_ybo Ho$ AZw$n dm{fH$
Vma na {H$`m OmEJm& {ZYm[aV eVm] Ho$ AZwgma r{_`_ Xam| _|
gemoYZ H$mo bmJV _wm\$s{V gyMH$mH$, AmgV Xmdm am{e`m|, _moQ>a
Q>rnr `dgm` H$s g{dqgJ _| AVJV ~ma~maVm Ama ``m| Ho$ gmW
g~ Ama pWa aIm J`m h&
(H$) m{YH$aU Zo ^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU
(_moQ>a A` nj ~r_m `dgm` Ho$ g~Y _| ~r_mH$Vm H$m
Xm{`d) {d{Z`_, 2015 2 OyZ 2015 H$mo A{Ygy{MV {H$`o&
(I) m{YH$aU Zo B-Jm{S>`m| E3/E4, B-[aemAm| gr1(~r)
Ho$ {bE _moQ>a A` nj r{_`_ Xam| Ed {H$am`o AWdm
nm[al{_H$ gr4 Ho$ {bE `m{`m| H$mo bo OmZodmbr _moQ>arH$V
Xwn{h`m dmhZm| Ho$ {bE `mr r{_`_ Ho$ g~Y _| EH$ n[an
(gX^ AmBAmaS>rE/ EZEb/ grAmBAma/ E_AmoQ>rnr/
196/ 11/ 2015 {XZmH$ 4 Zd~a 2015) Omar {H$`m&
(J) m{YH$aU Zo ({XZmH$ 15 _mM 2016 Ho$ n[an gX^ g.
AmBAmaS>rE/ EZEb/ grAmBAma/ EZAmBEggr/ 051/
03/ 2016 Ho$ AZwgma) 1 Ab 2016 go dm{Up`H$
dmhZ (Ho$db ~r_m g~Yr H$m`) Ho$ {bE ^maVr` _moQ>a
A` nj AdrH$V Omo{I_ g_yh H$mo {dK{Q>V H$aZo H$m
{ZU` {H$`m&
(K) m{YH$aU Zo {dmr` df 2016-17 Ho$ {bE _moQ>a A`
nj Xo`Vm ~r_m ajm Ho$ {bE r{_`_ Xam| Ho$ g~Y _| EH$
AmXo e Omar {H$`m (g X ^ AmB A maS> r E/ EZEb/
EZE\$Q>rEZ/ E_AmoQ>rnr/ 060/ 03/ 2015 {XZmH$
28.03.2016)&
109
 dm{fH$ [anmoQ>
(L>) ^maVr` ~r_m gyMZm `yamo Zo {XZmH$ 2 \$adar 2016 Ho$
gX^ AmBAmB~r/ AmoEb~r/ 29/ 2015-16 mam _mZH$
\$m`a Ama {deof Omo{I_m| (EgE\$Egnr Zr{V) Ho$ g~Y _|
hm{Z bmJVm| go g~{YV "Omo{I_ Ho$ H$s_V-{ZYmaU" g~Yr
{Xem{ZX}e Omar {H$`o&
III.10 Cg $n Ama VarHo$ H$mo {d{Z{X> H$aZm {Og_|
~r_mH$VmAm| Ama A` ~r_m _`d{V`m| mam boIm-~{h`m
aIr OmEJr VWm boIm-{ddaU VwV {H$`o OmEJo
III.10.1 ~r_mH$VmAm| Ho$ {dmr` {ddaU g_`-g_` na
`Wmgemo{YV AmBAmaS>rE (~r_m H$n{Z`m| Ho$ {dmr` {ddaU Ama
boIm-narjH$ H$s [anmoQ> V`ma H$aZm) {d{Z`_, 2002 Ama g_`-
g_` na Omar {H$`o J`o {d{^ n[anm| Ama {Xem{ZX}em| Ho$ AVJV
^r {ZYm[aV $n Ama VarHo$ go V`ma {H$`o OmVo h& boIm-~{h`m BZ
{d{Z`_m| Ho$ AVJV Ano{jV $n _| {d{^ `dWmAm| go g~{YV
_X| VwV H$aZo Ho$ {bE aIr OmVr h&
_`d{V`m| Ho$ _m_bo _|, boIm-~{h`m| Ama {dmr` {ddaUm| H$m
aIaImd g~{YV {d{Z`_m|/ n[anm|/ {Xem{ZX}em| Ho$ AVJV
{ZYm[aV $n _| Ama VarHo$ go {H$`m OmEJm&
Ohm H$ht ^r m{YH$aU Zo dh $n Ama VarH$m {ZYm[aV Zht {H$`m
h {Og_| boIm-~{h`m| H$m AZwajU {H$`m OmZm Mm{hE, dhm H$nZr
A{Y{Z`_/ {Z`_ Ama A` `mo` A{Y{Z`_/ {Z`_ bmJy hm|J&o
III.11 ~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$m {d{Z`_Z
III.11.1 ~r_m H$n{Z`m| mam {Z{Y`m| Ho$ {Zdoe H$m {d{Z`_Z
g_`-g_` na `Wmgemo{YV AmBAmaS>rE ({Zdoe) {d{Z`_, 2000
mam VWm g_`-g_` na Omar {H$`o J`o {d{^ n[anm| Ama
{Xem{ZX}em| mam {H$`m OmVm h&
III.11.2 {Zdoe Ho$ dH$pnH$ Adga XmZ H$aZm
2015-16 Ho$ XmamZ, m{YH$aU Zo ~r_mH$VmAm| H$mo `wMwAb \$S>m|
_| {Zdoem| H$s n{V _| "AZw_mo{XV {Zdoem|" Ho$ ^mJ Ho$ $n _|
2015-16
OrAmBEbQ>r-BQ>rE\$ _| {Zdoe H$aZo H$s AZw_{V Xr& OrAmBEbQ>r-
BQ>rE\$ ~mOma _| g{H$` $n go `mnm[aV gaH$mar {V^y{V`m| Ho$
g_yh _| AWdm gmdO{ZH$ $n go CnbY KQ>H$ Ho$ gyMH$mH$ _|
{Zdoe H$a|Jo& ~r_mH$Vm mam `yZV_ {Zdoe, {Z_mU `y{ZQ> AmH$ma
go H$_ Zht hmoJm Ama dh {H$gr ^r g_` {Z_mU `y{ZQ> AmH$ma go
H$_ Zht {H$`m OmEJm VWm {Z_mU `y{ZQ> AmH$ma {Zdoe Ho$ g_`
`50 bmI go A{YH$ Zht hmoJm& g_J `` AZwnmV `moOZm H$s
X{ZH$ {Zdb AmpV`m| Ho$ 0.50% go H$_ hmoJm&
III.12 emoYj_Vm _m{OZ Ho$ AZwajU H$m {d{Z`_Z
III.12.1 `oH$ ~r_mH$Vm go Ano{jV h {H$ dh ~r_m A{Y{Z`_,
1938 H$s Ymam 64drE Ho$ AZwgma Ano{jV emoYj_Vm (gmdogr)
_m{OZ H$m AZwajU H$ao& `oH$ ~r_mH$Vm AmBAmaS>rE mam {ZYm[aV
am{e go A`yZ Xo`VmAmo H$s am{e H$s VwbZm _| AmpV`m| Ho$ _y` Ho$
Am{Y` H$m AZwajU H$aoJm, Omo Ano{jV emoYj_Vm _m{OZ Ho$
$n _| OmZm OmEJm& AmBAmaS>rE (~r_mH$VmAmo H$s AmpV`m,
Xo`VmE Ama emoYj_Vm _m{OZ) {d{Z`_, 2000 _| Ano{jV
emoYj_Vm _m{OZ H$s gJUZm H$s n{V H$m {dVma go dUZ {H$`m
J`m h&
III.12.2 OrdZ ~r_mH$VmAm| Ho$ _m_bo _|, `yZV_ Ano{jV
emoYj_Vm _m{OZ nMmg H$amoS> n`o (nwZ~u_mH$Vm Ho$ _m_bo _|
EH$ gm H$amoS> n`o) h VWm Bgo m{YH$aU mam {d{Z{X> VarHo$ go
JUZm H$a m {H$`m OmEJm& ~r_m {d{Y (gemoYZ) A{Y{Z`_,
2015 _| emoYj_Vm Ho$ {Z`U Va Ho$ $n _| H$hbmZodmbo
emoYj_Vm _m{OZ H$m Va {d{Z{X> {H$`m J`m h, {OgH$m CKZ
H$aZo na, m{YH$aU ~r_mH$Vm H$mo N>h _hrZo go AZ{YH$ {d{Z{X>
Ad{Y Ho$ AXa H$_r H$mo gwYmaZo Ho$ {bE H$madmB H$s `moOZm {Z{X>
H$aVo hE EH$ {dmr` `moOZm VwV H$aZo Ho$ {bE {ZXoe XoJm&
III.12.3 Ja-OrdZ ~r_mH$VmAm| Ho$ _m_bo _|, Ano{jV emoYj_Vm
_m{OZ ~r_mH$Vm AWdm nwZ~u_mH$Vm Ho$ {bE `yZV_ nyO
rJV Anojm
Ho$ nMmg {VeV H$m A{YH$V_ AWdm {ZZmZwgma gJ{UV
AmaEgE_-1 Ama AmaEgE_-2 H$m CVa hmoJm
110
 dm{fH$ [anmoQ> 2015-16

AmaEgE_-1 go A{^oV h - {Zdb r{_`_m| na AmYm[aV AmaEgE_-2 go A{^oV h {Zdb CnJV Xmdm| na AmYm[aV
Ano{jV emoYj_Vm _m{OZ, VWm `h Cg am{e Ho$ ~rg Ano{jV emoYj_Vm _m{OZ, VWm `h Cg am{e Ho$ Vrg
{VeV Ho$ $n _| {ZYm[aV {H$`m OmEJm Omo H$maH$ E Ama {VeV Ho$ $n _| {ZYm[aV {H$`m OmEJm Omo H$maH$ ~r Ama
{Zdb r{_`_m| mam JwUm {H$`o J`o gH$b r{_`_m| H$m {Zdb CnJV Xmdm| Ho$ mam JwUm {H$`o J`o gH$b CnJV Xmdm|
CVa h& AmaEgE_1 Ho$ n[aH$bZ Ho$ `moOZ Ho$ {bE H$m CVa h&
AmdVu AmYma na {nN>bo 12 _hrZm| Ho$ r{_`_ H$mo {hgm~
_| {b`m OmEJm&
~mg _X 3
^maVr` boImH$Z _mZH$m| (BS> - EEg) H$s A{YgyMZm
H$nZr (^maVr` boImH$Z _mZH$) {Z`_, 2015 H$nZr H$m` _mb` (E_grE) mam 16 \$adar 2015 H$mo Or.Eg.Ama. 111 (B) Ho$ O[a`o
A{Ygy{MV {H$`o J`o& C$ {Z`_ 1 Ab 2015 go dm hE VWm `o {d{Z{X> H$n{Z`m| Ho$ {bE EH$ MaU~ VarHo$ go bmJy h& VWm{n, ~r_m
H$n{Z`m|, ~qH$J H$n{Z`m| Ama Ja-~qH$J H$n{Z`m| H$mo Bg Anojm go Ny>Q> m h&
~r_m jo _| BS> EEg na og H$meZr
{XZmH$ 18 OZdar 2016 H$s og H$meZr _| E_grE Zo ~r_m jo Ho$ {bE BS> EEg Ho$ H$m`md`Z Ho$ {bE EH$ $naoIm {ZYm[aV H$s h& BgH$s
AnojmZwgma ~r_mH$VmAmo/ ~r_m H$n{Z`m| H$mo 31 _mM 2018 H$mo Ama CgHo$ ~mX g_m Ad{Y`m| Ho$ {bE VwbZm_H$ {ddaUm| Ho$ gmW 1 Ab
2018 go ma^ H$aVo hE Ama Cggo AmJo boImH$Z Ad{Y`m| Ho$ {bE BS> EEg AmYm[aV {dmr` {ddaU V`ma H$aZo hm|Jo& ~r_mH$Vm BS> EEg H$mo
V^r bmJy H$a|Jo `{X do Hw$N> {d{Z{X> _mZXS>m| H$mo nyam H$a|Jo& CgHo$ nhbo Ch| BS> EEg H$mo AnZmZo H$s AZw_{V Zht Xr OmEJr& VWm{n, `h {d{Y
H$s dV_mZ AnojmAm| H$m nmbZ H$aZo Ho$ {bE _yb H$nZr/ {ZdoeH$ go Ano{jV $n _| CgH$s _yb H$nZr/ {ZdoeH$ mam g_o{H$V {dmr` {ddaU
V`ma H$aZo Ho$ `moOZm| Ho$ {bE BS> EEg AZwnmbZH$Vm {dmr` {ddaU CnbY H$amZo go ~r_mH$Vm/ ~r_m H$nZr H$mo Zht amoH$Vm&
BS> EEg Ho$ g~Y _| AmBAmaS>rEAmB H$s nhb|
m{YH$aU Zo BS> EEg Ho$ {bE ~r_m CmoJ H$mo V`ma H$aZo VWm Ohm ^r Amd`H$ hmo dhm Cn`w$ {Xem{ZX}e CnbY H$amZo Ho$ {bE {ZZ{b{IV
nhb| H$s h-
1. m{YH$aU Zo {XZmH$ 17 Zd~a 2015 Ho$ AmXoe gX^ AmBAmaS>rE/E\$ES>E/ AmoAmaS>r/ EgrQ>rEg/ 201/ 11/ 2015 Ho$ AZwgma
EH$ H$m`md`Z Xb H$m JR>Z {H$`m h& Bg H$m`md`Z Xb _| boImH$ma, ~r_mH$H$, CmoJ Ho$ {deofk Ama m{YH$aU Ho$ A{YH$mar h&
Cg H$m`md`Z Xb Ho$ {bE {dMmamW {df`m| Ho$ AVJV `h A{YXoem_H$ {H$`m J`m h {H$ dh BS> EEg H$mo H$m`mpdV H$aZo Ho$ {Z{hVmWm] H$s
OmM H$ao, H$m`md`Z g~Yr g_`mAm| H$m g_mYmZ H$ao VWm ^maVr` ~r_m jo _| BS> EEg H$s Amoa A{^_wI hmoZo Ho$ {bE n[aMmbZ {Xem{ZX}em|
Ho$ {Z_mU H$mo gwgm` ~ZmE&
C$ H$m`md`Z Xb Ho$ AVJV {d{^ Cn-g_yh ~Zm`o J`o {Oggo {d{^ BS> EEg Ho$ g~Y _o gHo$pV A``Z {H$`m Om gHo$& Cn-g_yhm| H$s
H$B ~R>H|$ hXam~mX Ama _w~B _| gn hB& {d{^ Cn-g_yhm| H$s [anmoQ>m] H$mo A{V_ $n {X`m Om ahm h&
2. BS> EEg {dmr` {ddaUm| H$m mo\$m_m
m{YH$aU Zo {XZmH$ 1 _mM 2016 Ho$ n[an mam {ZXoe {X`m h {H$ ~r_mH$VmAm| H$mo 31 {Xg~a 2016 H$mo g_m {V_mhr go Ama CgHo$ AmJo BS>
EEg {dmr` {ddaUm| H$m mo\$m_m VwV H$aZm hmoJm&
~r_mH$VmAm| H$mo gy{MV {H$`m J`m h {H$ do BS> EEg Ho$ H$m`md`Z H$s {Xem _o Um{b`m| Ama {H$`mAm| Ho$ {bE Amd`H$ n[adVZm| H$s `moOZm
~ZmE VWm AnZo g~{YV gJR>Zm| Ho$ AXa gMmbZ g{_{V Wm{nV H$a| {Og_| H$m`md`Z H$s {H$`m H$mo ma^ H$aZo Ho$ {bE ~h-H$m`m_H$ jom|
go {b`o J`o gX` hm|Jo& H$m`md`Z H$s {H$`m H$m n`dojU ~moS> H$s boIm-narjm g{_{V mam {H$`m OmZm Ano{jV h& C$ BS> EEg H$m`md`Z
`moOZm _| {OZ _hdnyU g_`mAm| H$m g_mYmZ (\$Q>a) H$aZo H$s Amd`H$Vm h, CZ_| em{_b h BS> EEg VH$ZrH$s AnojmE AWm dV_mZ
boImH$Z T>mMo Ama BS> EEg Ho$ ~rM AVam| H$m ZXm{ZH$ {dbofU, {dmr` pW{V`m| H$mo ^m{dV H$aZodmbo _hdnyU boImH$Z Zr{VJV {ZU`,
boImH$Z Zr{V`m| H$m m$nU, H$Q>rH$aUm| H$s V`mar, boIrH$aU, mo\$m_m BS> EEg {dmr` {ddaUm| H$s V`mar, BS> EEg _| n[adVZ Ho$ {bE
g_`-{ZYmaU, VWm dmV{dH$ n[adVZ Ho$ nhbo boImH$Z Um{b`m| Ama gnyU [anmo{Q>J {H$`m H$mo m`mo{JH$ Vma na MbmZm& ~r_mH$VmAm| H$mo
(Omar...)

111
 dm{fH$ [anmoQ> 2015-16

Omar... ~mg _X 3
^maVr` boImH$Z _mZH$m| (BS>-EEg) H$s A{YgyMZm
`h ^r gy{MV {H$`m J`m {H$ do UmbrJV n[adVZm| H$m _y`mH$Z H$a|; `mdgm{`H$ ^md H$m A``Z H$a| Ama ggmYZ g~Yr AnojmAm| H$m
_y`mH$Z H$a|&
~r_mH$VmAm| go Ano{jV h {H$ do emoYj_Vm {d{Z`_Z AnojmAmo H$mo {hgm~ _| boVo hE nyOr n`mVm g{hV AnZr {dmr` pW{V na BS> EEg Ho$
H$m`md`Z Ho$ ^md H$m AmH$bZ H$a| Ama AnZo ~moS>m] H$mo {V_mhr J{V [anmoQ]> VwV H$a|& BS> EEg Ho$ H$m`md`Z Ho$ {bE H$m`Zr{V Ama Bg
g~Y _| H$s JB J{V H$m H$Q>rH$aU {dmr` df 2015-16 go boH$a H$m`md`Z hmoZo VH$ dm{fH$ [anmoQ> _| {H$`m OmEJm&
3. {ejU Ama bmoH$gnH$
m{YH$aU Zo ^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) Ho$ gmW g_d` H$aVo hE AmBAmaS>rEAmB Ho$ A{YH$m[a`m| Ho$ {bE N>h {XZ Ho$
{ejU H$m`H$_ H$m Am`moOZ {H$`m& m{YH$aU ~r_m jo _| BS> EEg Ho$ H$m`md`Z H$s gwMm {H$`m H$mo gwgm` ~ZmZo Ho$ {bE {d{^ _Mm|
na CmoJ go gnH$ H$a ahm h&
CmoJ mam V`m[a`m
~r_m H$n{Z`m| Zo AnZo g~{YV gJR>Zm| _o AnojmAm| H$mo H$m`mpdV H$aZo Ho$ {bE gMmbZ g{_{V`m| / Ho$r` (ZmoS>b) A{YH$m[a`m| H$mo {Z`w$
{H$`m h&
AmBEEg~r mam ~r_m g{dXmAm| g~Yr _mZH$ _| gemoYZ
AVaam>r` boImH$Z _mZH$ ~moS> (~moS>) Zo 17 _B 2016 H$mo Z`o ~r_m g{dXm _mZH$ H$mo H$m`mpdV H$aZo go nhbo Z`o {dmr` {bIV _mZH$
AmBE\$AmaEg 9, Omo AmBE\$AmaEg 4 H$mo {VWm{nV H$aoJm, H$mo H$m`mpdV H$aZo go Cn hmoZodmbr g_`mAm| H$m g_mYmZ H$aZo Ho$ {bE
dV_mZ ~r_m g{dXm _mZH$, AmBE\$AmaEg 4 _| gemoYZ Kmo{fV {H$`o h& {Z{X> gemoYZ {ZZmZwgma h :
- Z`o ~r_m g{dXm _mZH$ go nhbo AmBE\$AmaEg 9 H$mo bmJy H$aVo g_` {dmr` AmpV`m| Ho$ _mnZ _| Hw$N> n[adVZm| Ho$ H$maU Cn hmoZodmbr
ApWaVm H$mo bm^ `m hm{Z go hQ>mZo H$m {dH$n CZ H$n{Z`m| H$mo XoZm Omo ~r_m g{dXmE Omar H$aVr h; VWm
- 2021 VH$ AmBE\$AmaEg 9 H$mo bmJy H$aZo go EH$ dH$pnH$ AWm`r Ny>Q> CZ H$n{Z`m| H$mo XoZm {OZHo$ YmZ H$m`H$bmn ~r_m go g~{YV
h&
AmBgrEAmB Ho$ gmW m{YH$aU Zo, Vm{dV n[adVZm| na CmoJ Ho$ {dMma OmZZo Ho$ {bE CZgo ^|Q> H$s VWm AmBgrEAmB AmBE\$AmaEg 4 _|
{H$`o J`o Bgr H$ma Ho$ gemoYZ ^maV _| g_Vw` _mZH$ AWm BS> EEg 104 _| bmZo Ho$ {bE H$m` H$a ahm h&
dV_mZ OrEEnr go BS> EEg _| gwMm $n go n[adVZ H$mo gw{ZpMV H$aZo Ho$ {bE {d{Z`_ZH$Vm CmoJ Ama AmBgrEAmB Ho$ gmW `mZnydH$ H$m`
H$a ahm h&

III.13 ~r_mH$VmAm| Ama _`d{V`m| AWdm ~r_m _`d{V`m|
Ho$ ~rM {ddmXm| H$m `m`{ZU`Z
III.13.1 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
51(3) Ho$ AZwgma, {H$gr ~r_m Xbmb Ama ~r_mH$Vm AWdm {H$gr
A` `{$ Ho$ ~rM ~r_m Xbmb Ho$ $n _| CgH$s {Z`w{$ Ho$ XmamZ
AWdm A` H$ma go Cn hmoZodmbm H$moB ^r {ddmX Bg H$ma
^m{dV `{$ mam m{YH$aU H$mo gX{^V {H$`m OmEJm; VWm
{eH$m`V AWdm A`mdoXZ Ho$ m hmoZo na m{YH$aU Cg {eH$m`V
H$s OmM H$a gH$Vm h Ed `{X Amd`H$ nm`m OmVm h Vmo BZ
{d{Z`_m| Ho$ AZwgma OmM AWdm {ZarjU AWdm AdofU gMm{bV
H$aZo Ho$ {bE AJga hmo gH$Vm h&
III.13.2 g_rjmYrZ df Ho$ XmamZ m{YH$aU Zo `m`{ZU`Z Ho$
{bE Bg H$ma H$m H$moB AZwamoY m Zht {H$`m h&
III.14 nam "6' _| C{{IV `mdgm{`H$ gJR>Zm| Ho$ gdYZ
Ama {d{Z`_Z Ho$ {bE `moOZmAm| Ho$ {dmnmofU hoVw ~r_mH$Vm
H$s r{_`_ Am` Ho$ {VeV H$mo {d{Z{X> H$aZm
III.14.1 m{YH$aU Zo nam (6) _| C{{IV `mdgm{`H$ gJR>Zm|
Ho$ gdYZ Ama {d{Z`_Z Ho$ {bE `moOZmAm| H$m {dmnmofU H$aZo hoVw
~r_mH$Vm H$s r{_`_ Am` H$m H$moB {VeV {ZYm[aV Zht {H$`m h&
112
 dm{fH$ [anmoQ> 2015-16

~mg _X 4
~r_m A{Y{Z`_, 1938 H$s Ymam 105 gr Ho$ AYrZ
`m`{ZU`Z H$s H$m`dmhr
~r_m {d{Y (gemoYZ) A{Y{Z`_, 2015 Zo ~r_m A{Y{Z`_ H$s {d{^ YmamAm| _| C{{IV Hw$N> AnojmAm| H$m CKZ H$aZo Ho$ {bE CKZm| H$m
`m`{ZU`Z H$aZm Ama Xmofr gWmAm| na XS> bmJy H$aZm ma^ {H$`m& ~r_m A{Y{Z`_ H$s Ymam 105gr (1) _| C{{IV Ho$db {d{e> CKZm|
Ho$ g~Y _| hr XS> bJmZo Ho$ {bE `m`{ZU`Z H$aZm hmoJm&
m{YH$aU {ZYm[aV VarHo$ go OmM Am`mo{OV H$aZo Ho$ {bE `m`{ZU`Z A{YH$mar Ho$ $n _| g`w$ {ZXoeH$ (A~ _hm ~YH$) go A`yZ h{g`V
Ho$ {H$gr A{YH$mar AWdm CgHo$ g_Vw` A{YH$mar H$mo {Z`w$ H$aoJm& `m`{ZU`Z A{YH$mar (EAmo) OmM [anmoQ> Omar H$aZo go nhbo g~{YV
H$mo AnZr ~mV H$hZo Ho$ {bE gwZdmB H$m EH$ C{MV Adga XoJm& m{YH$aU g~{YV H$s ~mV gwZZo Ho$ ~mX g~{YV YmamAm| _| H$s JB `dWm
Ho$ AZwgma XS> bJm gH$Vm h&
EAmo mam XS> H$s _mm H$s {g\$m[ae H$aVo g_` Ama m{YH$aU mam Eogm XS> bJmVo g_` {ZZ{b{IV H$maH$m| Ho$ {V C{MV `mZ {X`m OmEJm,
AWm.-
H$) MyH$ Ho$ n[aUm_d$n, Ohm ^r n[a_mU {ZYm[aV {H$`m Om gH$Vm h dhm AgJV bm^ AWdm AZw{MV bm^ H$s am{e;
I) MyH$ Ho$ n[aUm_d$n nm{bgrYmaH$m| H$mo hB hm{Z H$s am{e; Ama
J) MyH$ H$m Amdmr` d$n&
A{Y{Z`_ H$s Ymam 114(2)(EbE) Ho$ AZwgaU _| `m`{ZU`Z A{YH$mar mam OmM Am`mo{OV H$aZo H$s {d{Y Ho$ gaH$ma mam 17 \$adar
2016 H$mo A{Ygy{MV ~r_m (`m`{ZU`Z A{YH$mar mam OmM Am`mo{OV H$aZo Ho$ {bE {H$`m) {Z`_, 1976 Ho$ AZwgma {ZYm[aV H$s JB&
`m`{ZU`Z {H$`m _| _moQo> Vma na {ZZ{b{IV em{_b h :
`m`{ZU`Z A{YH$mar (EAmo) Ho$ $n _| g`w$ {ZXoeH$ (A~ _hm ~YH$) go A`yZ h{g`V H$m EH$ A{YH$mar {Z`w$ {H$`m OmEJm&
EAmo nhbo Xma _|, CKZ H$aZo Ho$ Vma na Amamo{nV `{$ H$mo Cggo H$maU XemZo H$s Anojm H$aVo hE EH$ Zmo{Q>g Omar H$aoJm {H$ CgHo$ {d
OmM `m| Zht Am`mo{OV H$s OmZr Mm{hE&
C$ Zmo{Q>g _| Cg AnamY H$m d$n {Z{X> {H$`m OmEJm {Ogo H$aZo H$m Amamon bJm`m J`m h&
C$ `{$ mam Xem`m J`m H$maU, `{X H$moB hmo, na {dMma H$aZo Ho$ ~mX `{X EAmo OmM Am`mo{OV H$aZo H$m {ZU` H$aVm h Vmo dh Cg `{$
H$s CnpW{V Ho$ {bE EH$ VmarI {ZYm[aV H$aVo hE Zmo{Q>g Omar H$aoJm&
g~{YV XVmdoO, gm` Am{X VwV H$aZo Ho$ {bE _m_bo Ho$ V`m| Ama n[apW{V`m| go AdJV {H$gr `{$ H$mo g_Z H$aZo Ama CgH$s
CnpW{V H$mo d{VV H$aZo Ho$ {bE EAmo Ho$ nmg e{$ h&
{ZYm[aV VmarI H$mo EAmo C$ `{$ na Omo AnamY H$aZo H$m Amamon bJm`m J`m h, dh AnamY Cg `{$ H$mo n> H$aoJm Ama CKZ {H$`o
J`o A{Y{Z`_ Ho$ Cn~Y n> $n go {Z{X> H$aoJm&
EAmo OmM Ho$ {bE gJV XVmdoO Ama gm` VwV H$aZo Ho$ {bE C$ `{$ H$mo EH$ Adga XoJm&
EAmo g~{YV g^r V`m| Ama C$ `{$ mam H$s JB Vw{V`m| H$mo `mZ _| aIZo Ho$ ~mX `{X dh gVw> h {H$ C$ `{$ Zo Ymam 105gr(1)
_| {d{Z{X> {H$gr ^r Ymam Ho$ Cn~Ym| H$m CKZ {H$`m h, AnZr [anmoQ> _| Eogo XS> H$s {g\$m[ae H$a gH$Vm h Omo dh A{Y{Z`_ Ho$ g~{YV
Cn~Ym| Ho$ AZwgma C{MV g_PVm h&
Ymam 105gr(1) _| C{{IV YmamAm| H$m EH$ g{j {ddaU ZrMo {X`m J`m h
H$_ ~r_m A{Y{Z`_, Anojm
g. 1938 H$s Ymam
1 2gr~r(2) ^maV _| gn{m`m|/^maV _| nOrH$V OhmO/{d_mZ H$m ~r_m m{YH$aU H$s AZw_{V Ho$ {~Zm {dXoer ~r_mH$Vm Ho$ nmg
Zht {H$`m Om gH$Vm&
2 34(~r)(4) H$m`mb` go ~YH$s` `{$`m| ({ZXoeH$/grBAmo) H$mo hQ>mZo Ho$ {bE m{YH$aU mam Ymam 34(~r)(1 Ama 2) Ho$
AYrZ Omar {H$`o J`o AmXoem| H$m CKZ
(Omar...)

113
 dm{fH$ [anmoQ> 2015-16

Omar... ~mg _X 4
~r_m A{Y{Z`_, 1938 H$s Ymam 105 gr Ho$ AYrZ
`m`{ZU`Z H$s H$m`dmhr
3 40(3) bmBg|ga{hV gWmAm| H$mo H$_reZ/nm[al{_H$/{V\$b H$m ^wJVmZ VWm {d{Z`_ (40(1)) mam {d{Z{X> {d{Y
H$m AZwgaU {H$`o {~Zm BZ {V\$bm| H$m ^wJVmZ ^r&
_`d{V`m| Ho$ mam Eogo {V\$bm| H$s m{ Ho$ {bE ^r XS> bJm`m Om gH$Vm h (40(2))
4 41(2) [a~oQ> H$m {ZfoY
5 42(4) Ano{jV `mo`VmAmo Ho$ {~Zm ~r_m EO|Q> Ho$ $n _| H$m` H$aZm VWm EH$ OrdZ, EH$ dm`, EH$ gmYmaU Ama EH$b
`dWm dmbo (_moZmo bmBZ) ~r_mH$VmAm| _| go `oH$ `dWm _| EH$ go A{YH$ ~r_mH$Vm Ho$ {bE EO|Q> Ho$ $n _|
H$m` H$aZm
6 42(5) {ZYm[aV AmMaU-g{hVm H$m nmbZ H$aZo _| EO|Q> H$s MyH$ ({VWm{ZH$ Xm{`d)
7 42(S>r)(8) m{YH$aU go nOrH$aU m {H$`o {~Zm ~r_m _`dVu Ho$ $n _| H$m` H$aZm
8 42(S>r)(9) `{X Cn`w$ CKZ H$nZr/\$_ mam {H$`m J`m hmo
9 52E\$ emgH$ go XVmdoO / gn{m amoH$ aIZm
10 105~r Ymam 32~r Ho$ AYrZ Jm_rU Ama gm_m{OH$ Xm{`dm| H$mo nyam H$aZo _| Ag_W
11 105~r Jm_rU Ama gm_m{OH$ jo Xm{`dm| H$mo nyam H$aZo _| Ag_W, Ymam 32gr Ho$ AYrZ Jm_rU jo Ho$ Xm{`dm|,
AgJ{R>V `m AZmnMm[aH$ jo, Am{WH$ $n go {nN>So> dJm], \$gb ~r_m Xm{`dm| H$mo nyam H$aZo _| Ag_W
12 105~r Ymam 32S>r Ho$ AYrZ _moQ>a dmhZm| Ho$ A` nj Omo{I_ _| Omo{I_-AH$Z Xm{`dm| H$mo nyam H$aZo _| Ag_W

III.15 Jm_rU Ama gm_m{OH$ jo _| ~r_mH$VmAm| mam {H$`o ~r_mH$VmAm| Ho$ Xm{`d {ZZmZwgma h :
OmZodmbo OrdZ ~r_m `dgm` Ama gmYmaU ~r_m `dgm`
III.15.2 Jm_rU jo
Ho$ {VeV H$mo {d{Z{X> H$aZm
(H$) OrdZ ~r_mH$Vm Ho$ g~Y _| g~{ YV dfm] _| A{H$V nm{b{g`m|
III.15.1 AmBAmaS>rEAmB (Jm_rU Ama gm_m{OH$ jom| Ho$ {V
H$s Hw$b g`m Ho$ {ZZ{b{IV {VeV BgHo$ ZrMo Xem`o
~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2015, 24 AJV 2015 H$mo
J`o h :-
A{Ygy{MV {H$`o J`o h VWm `o AmBAmaS>rE (Jm_rU Ama gm_m{OH$
jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2002 H$m A{YH$_U H$ ma^ go {dmr` df nm{b{g`m| H$s g`m
H$a|Jo& BZ {d{Z`_m| _| C{{IV Xm{`d {dmr` df 2016-17 go g H$m {VeV
bmJy hm|Jo& {dmr` df 2015-16 VH$ g_`-g_` na `Wmgemo{YV
1 nhbm df 7%
AmBAmaS>rE (Jm_rU Ama gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$
2 Xygam df 9%
Xm{`d) {d{Z`_, 2002 Ho$ AZwgma Xm{`d bmJy Wo&
3 Vrgam df 12%
4 MmWm df 14%
5 nmMdm df 16%
6 N>R>dm Ama gmVdm df 18%
7 AmR>dm Ama Zmdm df 19%
8 Xgdm df Ama CgHo$ ~mX `oH$ df 20%

114
 dm{fH$ [anmoQ> 2015-16

(I) gmYmaU ~r_mH$Vm Ho$ g~Y _| g~{YV dfm] _| `j $n go **BZ {d{Z`_m| Ho$ `moOZm| Ho$ {bE Hw$b `dgm` d`{$H$ ~r_m
A{H$V gH$b r{_`_ Am` H$m {VeV ZrMo Xem`m J`m Ho$ _m_bo _| Omar H$s JB nm{b{g`m| H$s Hw$b g`m VWm gm_y{hH$
h- ~r_m Ho$ _m_bo _| g_m{d> OrdZm| H$s g`m h& nm[adm[aH$ gX`m|
Ho$ OrdZm| H$mo gp_{bV H$aZodmbr d`{$H$ dm` ~r_m nm{b{g`m|
H$ ma^ go {dmr` df `j $n go A{H$V Ho$ _m_bo _| Eogr nm{bgr Ho$ AVJV g_m{d> OrdZ, b` Ho$
g gH$b r{_`_
H$m {VeV {ZYmaU Ama dmV{dH$ H$m`{ZnmXZ -- XmoZm| _| JUZm _| {b`o Om
1 nhbm df 2% gH$Vo h&
2 Xygam df 3% Cg pW{V _| Ohm ~r_mH$Vm {dmr` df H$s Xygar N>_mhr _| n[aMmbZ
3 Vrgao df go gmVd| df VH$ 5% ma^ H$aVm h VWm g~{YV {dmr` df Ho$ 31 _mM H$mo N>h _hrZo go
4 AmR>dm df 6% H$_ Ad{Y Ho$ {bE n[aMmbZ _| h,
5 Zmdm df Ama CgHo$ ~mX `oH$ df 7%
(i) Cn`w$ Ad{Y Ho$ {bE H$moB Jm_rU Ama gm_m{OH$ Xm{`d
(J) Q>S>AbmoZ dm` ~r_mH$VmAm| Ho$ g~Y _| :-
bmJy Zht hm|Jo, Ama
gmYmaU ~r_mH$VmAm| Ho$ {bE {ZYm[aV Xm{`dm| H$m 50%.
(ii) {d{Z`_m| _| {Z{X> $n _| dm{fH$ Xm{`dm| H$s JUZm {dmr`
III.15.3 gm_m{OH$ jo df 2016-17 go H$s OmEJr, dh n[aMmbZm| Ho$ nhbo df
Ho$ $n _| _mZm OmEJm VWm nhbo df Ho$ {bE bmJy Xm{`d
g^r ~r_mH$VmAm| Ho$ g~Y _| (OrdZ, Ja-OrdZ, Q>S>AbmoZ
gm_m{OH$ jo Ho$ {bE 2500 OrdZ hm|Jo, Jm_rU jo Ho$
dm`) :-
{bE Xm{`d nhbo df Ho$ {bE {ZYm[aV {VeV Ho$ AmYo
dfm] _| nyddVu {dmr` df _| m Hw$b `dgm`** hm|Jo&
~r_mH$Vm H$m na gJ{UV "gm_m{OH$ jo OrdZm|
H$m`H$mb (EO) H$m {VeV" III.15.4 BgHo$ A{V[a$, gy_ ~r_m H$mo ~T>mdm XoZo VWm Jm_rU
1 0.5% Ama gm_m{OH$ jo Xm{`dm| H$mo gy_ ~r_m {d{Z`_m| Ho$ gmW n{$~
2 1% H$aZo Ho$ {bE AZwnmbZ H$s {d{Y gy_ ~r_m {d{Z`_m| Ho$ gmW
3 1.5%
4 2% g~ H$s JB h&
5 2.5%
6 3%
7 3.5%
8 4%
9 4.5%
10 Ama Cggo A{YH$ 5%

115
 dm{fH$ [anmoQ> 2015-16

^mJ IV
gJR>Zm_H$ {df`
IV.1 gJR>Z IV.2 m{YH$aU H$s ~R>H|$

IV.1.1 lr Q>r.Eg. {dO`Z, Omo 21 \$adar, 2013 go ^maV IV.2.1 {dmr` df 2015-16 Ho$ XmamZ m{YH$aU H$s nmM ~R>H|$
gaH$ma mam m{YH$aU Ho$ A`j Ho$ $n _| {Z`w$ h, C$ nX na Am`mo{OV H$s JB& Bgr Ad{Y _| ~r_m gbmhH$ma g{_{V H$s nmM
Omar h& lr E_ am_ gmX, nyUH$m{bH$ gX` (Ja-OrdZ) 1 _B ~R>H|$ ~wbmB JB& {ddaU BgHo$ ZrMo {X`m OmVm h
2015 H$mo m{YH$aU H$s godmAmo go {Zdm hE Wo& lr S>r.S>r. qgh,
m{YH$aU H$s ~R>H|$ :
nyUH$m{bH$ gX` ({dVaU) Ama gwlr ny{U_m Jwo, nyUH$m{bH$
gX` (~r_mH$H$) df Ho$ XmamZ m{YH$aU _| Omar aho& 1) m{YH$aU H$s 88dt ~R>H$ 24 OyZ 2015 H$mo Am`mo{OV H$s
JB
^maV gaH$ma Zo m{YH$aU Ho$ {ZZ{b{IV VrZ nyUH$m{bH$ gX`m|
H$mo {Z`w$ {H$`m Wm 2) m{YH$aU H$s 89dt ~R>H$ 12 Ay$~a 2015 H$mo Am`mo{OV
H$s JB
i) lr_Vr {dO`b_r amOmam_ A`a, nyUH$m{bH$ gX`
(E\$ES>AmB) 15 OyZ 2015 go& 3) m{YH$aU H$s 90dt ~R>H$ 24 Zd~a 2015 H$mo Am`mo{OV
H$s JB
ii) lr Zrboe gmRo>, nyUH $m{bH$ gX` (OrdZ) 1 OwbmB 2015
go& 4) m{YH$aU H$s 91dt ~R>H$ 04 OZdar 2016 H$mo Am`mo{OV
H$s JB
ii) lr Omogo\$ bmn{b Oo, nyUH$m{bH$ gX` (Ja-OrdZ)
29 _mM 2016 go& 5) m{YH$aU H$s 92dt ~R>H$ 11 _mM 2016 H$mo Am`mo{OV
H$s JB
IV.1.2 mo. dr. Ho$. Jwm, {ZXoeH$, ~Y {dH$mg gWmZ,
(E_S>rAmB), JwS>Jmd, m{YH$aU Ho$ AeH$m{bH$ gX` H$s Ad{Y ~r_m gbmhH$ma g{_{V (AmBEgr) H$s ~R>H|$ :
21 \$adar 2016 H$mo g_m hmo JB& grE E_. XodamO ao>r, A`j,
^maVr` gZXr boImH$ma gWmZ 12 \$adar 2016 go grE _ZmoO 1) AmBEgr H$s 26dt ~R>H$ 12 OyZ 2015 H$mo Am`mo{OV H$s
\$S>Urg Ho$ WmZ na m{YH$aU Ho$ AeH$m{bH$ gX` ~Zo& lr JB
AmbmoH$ Q>S>Z, g`w$ g{Md, {dmr` godmE {d^mJ, {dm _mb` 2) AmBEgr H$s 27dt ~R>H$ 05 Ay$~a 2015 H$mo Am`mo{OV
H$mo lr AZyn dmYdmZ, g`w$ g{Md, {dmr` godmE {d^mJ, {dm H$s JB
_mb` Ho$ WmZ na 14 {gV~a 2015 go m{YH$aU Ho$ AeH$m{bH$
gX` Ho$ $n _| {Z`w$ {H$`m J`m& lr Eg. ~r. _mWwa, ^yVnyd 3) AmBEgr H$s 28dt ~R>H$ 22 {Xg~a 2015 H$mo Am`mo{OV
A`j, ^maVr` OrdZ ~r_m {ZJ_ df Ho$ XmamZ m{YH$aU Ho$ H$s JB
AeH$m{bH$ gX` Ho$ $n _| Omar aho&

117
 dm{fH$ [anmoQ> 2015-16

4) AmBEgr H$s 29dt ~R>H$ 08 \$adar 2016 H$mo Am`mo{OV {deof $n go Ja-{dYm`r {g\$m[aem| H$s {df`-dVw Ama Ame`
H$s JB (BnmoQ>) Ho$ ~mao _| AdJV H$amZo Ho$ {bE {d{Y {d^mJ mam
{ZZ{b{IV H$m` H $ _m| H$m g M mbZ {H$`m J`m, Vm{H$
5) AmBEgr H$s 30dt ~R>H$ 19 \$adar 2016 H$mo Am`mo{OV AmBAmaS>rEAmB H$m `oH$ H$_Mmar E\$EgEbAmagr, AmBE\$gr
H$s JB Ama Ja-{dYm`r {g\$m[aem| Ho$ _w` nhbwAmo go n[a{MV hmo gHo$&
IV.3 _mZd ggmYZ i) EZEEbEgEAma, hXam~mX Ho$ mam AmBAmaS>rEAmB Ho$
IV.3.1 Q>m\$ g`m Ama A{V[a$ ggmYZm| H$s Amd`H$Vm H$s A{YH$m[a`m| Ho$ {bE VrZ {Xdgr` H$m`H$mar {ejU H$m`H$ _
g_rjm g_`-g_` na H$s OmVr h& 31-03-2016 H$s pW{V Ho$ (Amdgr`) H$m gMmbZ {d{Z`_ Ho$ m$nU, H$mZyZr Umbr
AZwgma m{YH$aU H$s Q>m\$ g`m {ZZmZwgma Wr- H$mo AVZ H$aZm {OgHo$ AVJV m{YH$aU n[aMmbZ H$aVm
h, AmaQ>rAmB go g~{YV {d{Y Ama ~r_m Ho$ jom| _| hmb
H$_ loUr 31-03-2015 31-03-2016 H$s AVaam>r` d{m`m| Ho$ {df`m| na {H$`m J`m, {Og_| 5
g. H$mo H$mo
g_yhm| _| 152 gh^m{J`m| H$mo OyZ-AJV 2015 Ho$ XmamZ
1 I 142 141 {ejU {X`m J`m&
2 III 3 19
ii) OmM Ho$ gMmbZ, dVZ Ama `m`{ZU`Z Ho$ g~Y _| BS>r,
df 2015-16 Ho$ XmamZ g`w$ {ZXoeH$ Ho$ gdJ _| EH$
go~r Ho$ gmW `m`{ZU`Z Ama EgEQ>r H$mo Anrb g~Yr
A{YH$mar godm{Zdm hAm Wm Ama ghm`H$ Ho$ gdJ _| gmobh
nana g{H$` (BQ>a-EopQ>d) g H$m Am`moOZ 27-11-
H$_Mmar m{YH$aU H$s godmAm| _| gp_{bV hE Wo&
2015 H$mo {H$`m J`m&
24 H${Z> A{YH$m[a`m| H$s ^Vu Ho$ {bE {H$`m OZdar
ii) 05.12.2015 H$mo "{d{Z`_ Ho$ m$nU {gmV Ama gdm}m_
2016 _| ma^ H$s JB&
WmE" na EH$ g S>m. Ho$. EZ. MVwd}Xr, ^yVnyd g{Md,
EZEAmBgr \o$bmog H$m`H$_ Ho$ {bE Mma A{YH$m[a`m| H$mo {d{Y Ama `m` _mb`, ^maV gaH$ma mam gMm{bV {H$`m
Zm{_V {H$`m J`m& J`m {Og_| 60 H$_Mm[a`m| Zo ^mJ {b`m&

H${Z> A{YH$mar, ghm`H$ {ZXoeH$ Ama d[a> ghm`H$
{ZXoeH$ Ho$ gdJ _| nXmoV A{YH$m[a`m| Ho$ {bE doe/
CV {ejU nmR>H$_ Am`mo{OV {H$`o J`o&
AmBAmaS>rEAmB mam {H$`o J`o j_Vm {Z_mU Ho$ Cnm`
IV.3.2 E\$EgEbAmagr H$s Ja-{dYm`r {g\$m[ae Ho$ H$m`md`Z
Ho$ ^mJ Ho$ $n _| VWm AmBAmaS>rEAmB Ho$ A{YH$m[a`m| H$mo gm_m`
$n go E\$EgEbAmagr {g\$m[aem| Ama ^maVr` {dmr` H$moS> Ed
iv) ^maVr` {dmr` H$moS> Ed E\$EgEbAmagr mam H$s JB Ja-
{dYm`r {g\$m[aem| na {d{Y {d^mJ mam VrZ AmV[aH$ (BZ-
hmCg) g gMm{bV {H$`o J`o {OZ_| g^r H$_Mm[a`m| Ama
A{YH$m[a`m| Zo ^mJ {b`m&
E\$EgEbAmagr, AmBE\$gr Ama EZEbAma Ho$ ~mao _| gyMZm
AmBAmaS>rEAmB Ho$ g^r Q>m\$-gX`m| mam nhM Ho$ {bE BQ>mZoQ>
na ^r aIr JB&

118
 dm{fH$ [anmoQ>
IV.4 _{hbm H$_Mm[a`m| Ho$ {bE AmV[aH$ g{_{V
IV.4.1 "H$m`Wb na _{hbmAm| H$m `mZ CnrS>Z ({ZdmaU,
{VfoY Ama {VH$ma) A{Y{Z`_, 2013' Ho$ Cn~Ym| Ho$ AZwgma
Bg g~Y _| {eH$m`Vm| H$m {ZdmaU H$aZo Ed C$ A{Y{Z`_ _|
{ZYm[aV {d{^ Cn~Ym| H$m AZwnmbZ gw{ZpMV H$aZo H$s {> go 1
_mM 2013 Ho$ H$m`mb` AmXoe gX^ AmBAmaS>rE/ES>rE_EZ/
AmoAmaS>r/nrBAma/41/3/2013 mam EH$ AmV[aH$ {eH$m`V
g{_{V J{R>V H$s JB h&
IV.4.2 C$ g{_{V Zo A{Y{Z`_ Ho$ Cn~Ym| Ho$ g~Y _| H$_Mm[a`m|
H$mo {e{jV H$aZo Ed H$_Mm[a`m| Ho$ {bE A{^_wIVm H$m`H$_
gMm{bV H$aZo H$s Amd`H$Vm _hgyg H$s&
IV.5 amO^mfm H$m gdYZ
IV.5.1 ^maVr` ~r_m {d{Z`m_H$ Ama {dH$mg m{YH$aU Zo
H$m`mb` Ho$ H$m_H$mO _| {hXr H$m `moJ ~T>mZo Ed amO^mfm
A{Y{Z`_, 1963 Ama CgHo$ AYrZ ~Zm`o J`o {Z`_ 1976 Ho$
Cn~Ym| H$m C{MV AZwnmbZ gw{ZpMV H$aZo Ho$ {bE gJ{R>V `mg
H$aZm Omar aIm&
IV.5.2 BZ {Z`_m| Ama Cn~Ym| H$m ^mdr AZwnmbZ gw{ZpMV
H$aZo Ho$ {bE m{YH$aU H$m amO^mfm {d^mJ m{YH$aU Ho$ {d^mJm|
mam Ano{jV $n _| {hXr go AJoOr Ama {dbmo_V AZwdmX H$s
`dWm H$aVm h, XVmdoOm| na {hXr _| hVmja H$aZo, ~R>H|$ {hXr
_| gMm{bV H$aZo, a{OQ>am| _| {d{>`m {hXr _| H$aZo, H$m`mb`
ZmoQ> {^m{fH$ $n _| ~ZmZo, VH$ZrH$s Ama Ja-VH$ZrH$s XVmdoOm|
Ho$ {^m{fH$ AJofU n ~ZmZo, B-_obm| _| {^m{fH$ gnH$ {ddaU
H$m `moJ H$aZo, H$m`mb` ZmoQ>m| na {hXr _| {Q>n{U`m {bIZo, Am{X
Ho$ mam AnZo XZ{XZ H$m`mb`rZ H$m_H$mO _| {hXr H$m `moJ H$aZo
Ho$ {bE g^r A{YH$m[a`m| / H$_Mm[a`m| H$mo mogm{hV H$aVm h&
2015-16
IV.5.3 ggX Ho$ nQ>b na aIo OmZodmbo g^r XVmdoO ^r {^m{fH$
$n _| V`ma {H$`o J`o h& ^maV Ho$ g{dYmZ, amO^mfm A{Y{Z`_,
amO^mfm {Z`_, dm{fH$ H$m`H$_ Ama g_`-g_` na amO^mfm
{d^mJ mam Omar {H$`o J`o AmXoem| _| {Z{hV gK H$s amO^mfm Zr{V
H$m C{MV AZwnmbZ gw{ZpMV H$aZo Ho$ {bE {ZaVa `mg {H$`o J`o&
amO^mfm A{Y{Z`_ H$s Ymam 3(3) Ho$ Xm`ao _| AmZodmbo g^r
XVmdoO AWm _hdnyU A{YgyMZmE/ {d{Z`_, n[an, AmXoe,
emg{ZH$ Ama A` [anmoQ]>, dm{fH$ [anmoQ]>, og {dk{`m, bmBg|g,
g{dXmE, H$ama {^m{fH$ $n _| ~Zm`o J`o& amO^mfm {Z`_m| Ho$
{Z`_ 5 Ama {Z`_ 7(2) H$m AZwnmbZ gw{ZpMV H$aVo hE {hXr
_| hVmj[aV nm|, A`mdoXZm|/ Anrbm|/ AmaQ>rAmB AmdoXZm| Ho$
Cma {hXr _| {X`o J`o&
IV.5.4 m{YH$aU Ho$ amO^mfm {d^mJ mam {dH${gV {H$`o J`o
AmZbmBZ H$m`H$_ Ho$ _m`_ go amO^mfm {d^mJ, Jh _mb`
mam {X`o J`o \$m_}Q> Ho$ AZwgma amO^mfm {d^mJ Zo m{YH$aU Ho$
A{YH$m[a`m| Ama H$_Mm[a`m| Ho$ {hXr kmZ go g~{ YV So>Q>m H$m gJh U
{H$`m, {Ogo H$m`mb` Ho$ BQ>mZoQ> na CnbY H$am`m J`m h& Bgr
H$ma, amO^mfm {d^mJ Zo C$ _mb` mam {X`o J`o \$m_}Q> Ho$
AZwgma g^r {d^mJm| go {V_mhr J{V [anmoQ> go g~{YV So>Q>m H$m
gJhU {H$`m&
IV.5.5 m{YH$aU Zo df 2015-16 _| amO^mfm {d^mJ _| amO^mfm
ghm`H$ H$s {Z`w{$ Ho$ {bE ^Vu H$s H$madmB gMm{bV H$s, {OgZo
_mh OwbmB 2016 _| godm _| gp_{bV hAm&
IV.5.6 {Xr jor` H$m`mb` (S>rAmaAmo) _| amO^mfm {d^mJ
{Z{_V {H$`m J`m VWm amO^mfm {d^mJ Ho$ _wI Ho$ $n _| EH$ d[a>
A{YH$mar H$mo Ama amO^mfm A{YH$mar Ho$ $n _| EH$ A` A{YH$mar
H$mo nXZm{_V {H$`m J`m& YmZ H$m`mb` Ho$ _mJXeZ _| S>rAmaAmo
_| amO^mfm Ho$ H$m`md`Z H$mo gw{ZpMV H$aZm BZ XmoZm| A{YH$m[a`m|
H$m H$V` h&
119
 dm{fH$ [anmoQ>
IV.5.7 amO^mfm {d^mJ Zo X{ZH$ AmYma na m{YH$aU Ho$ g^r
A{YH$m[a`m|/ H$_Mm[a`m| H$mo {^m{fH$ $n _| CXmhaU Ho$ gmW
"AmO H$m eX" Ama "AmO H$m gw{dMma" o{fV {H$`m& {hXr
nwVH|$ nT>Zo Ama AnZm {hXr kmZ ~T>mZo _| {M {dH${gV H$aZo Ho$
{bE g^r A{YH$m[a`m|/ H$_Mm[a`m| H$mo mogm{hV H$aZo Ho$ {bE
m{YH$aU Ho$ nwVH$mb` _| {hXr _| CnbY nwVH$m| H$s gyMr g~H$mo
^oOr JB&
IV.5.8 m{YH$aU Zo 14 {gV~a 2015 go ma^ H$aVo hE {hXr
nIdmS>m _Zm`m {OgH$m CmQ>Z m{YH$aU Ho$ A`j mam {H$`m
J`m& Bg Am`moOZ Ho$ {bE `oH$ {d^mJ go H$_ go H$_ EH$ A{YH$mar
H$mo boVo hE EH$ {hXr nIdmS>m g_mamoh g{_{V H$m JR>Z {H$`m J`m&
Bg Cgd Ho$ XmamZ {d{^ {V`mo{JVmE Am`mo{OV H$s JB, Ogo
{Z~Y boIZ, Amew^mfU Ama AVmjar& {hXr ^mfm gdYZ gm_Jr
go `w$ EH$ noZ-S>mBd m{YH$aU Ho$ g^r A{YH$m[a`m|/ H$_Mm[a`m|
Ho$ ~rM {dV[aV {H$`m J`m& nIdmS>o H$m g_mnZ Cgd EH$ gmH${VH$
g_mamoh Ho$ $n _| EH$ ~So> g_obZ hmb _| Am`mo{OV {H$`m J`m&
g_mnZ g_mamoh _| ~r_m CmoJ go EH$ AZw^dr {hXr A{YH$mar H$mo
_w` A{V{W Ho$ $n _| Am_{V {H$`m J`m& g_mnZ g_mamoh H$m
ew^ma^ JUoe dXZm Ed gX` (OrdZ Ama amO^mfm), _w` A{V{W
Ama m{YH$aU Ho$ A` d[a> A{YH$m[a`m| mam Xrn-dbZ Ho$
gmW {H$`m J`m& nIdmS>m Cgd Ho$ XmamZ {d{^ H$m`H$_m| _| {OZ
A{YH$m[a`m| / H$_Mm[a`m| Zo ^mJ {b`m, CZ g^r H$mo Xmo dJm] ({hXr
^mfr Ama A{hXr ^mfr) _| W_, {Vr`, VVr` Ama gmdZm
nwaH$ma {dV[aV {H$`o J`o&
IV.5.9 m{YH$aU AnZr {V_mhr Jh-n{H$m "nXZ' {^m{fH$
$n _| H$m{eV H$aVm h, {Og_| XmoZm| {hXr Ama AJoOr _| aMZmE
H$m{eV H$s OmVr h&
IV .5.10 m{YH$aU H$m g M ma {d^mJ ^r EH$ do ~ gmBQ>
"policyholder.gov.in' gMm{bV H$aVm h Ama `h do~gmBQ> ^r
{^m{fH$ h& `h {d^mJ "~r_m ~o{_gmb' H$hbmZodmbo Cn^mo$m
2015-16
OmJ$H$Vm A{^`mZ _| ~hV-gmar {hXr gm_Jr {Z`{_V $n go
H$m{eV H$a ahm h {OgH$m {dVaU OZgmYmaU, Hy$br N>mm|,
Am{X Ho$ ~rM {H$`m OmVm h& Bg {d^mJ Zo gmdO{ZH$ OmJ$H$Vm
Ho$ dr{S>`mo Ama H$mQy>Z {\$_| ^r {hXr _| ~ZmB h& m{YH$aU Zo
AnZm VmarI-H$b|S>a {^mfr $n _| H$m{eV {H$`m h&
IV.6 AZwgYmZ Ama {dH$mg
IV.6.1 dm{fH$ [anmoQ> Ama ^maVr` ~r_m gmp`H$s na nwpVH$m
(hS>-~wH$) Ho$ gH$bZ Ho$ {bE Ho$r` Wb (ZmoS>b nmBQ>) Ho$ $n
_| {d^mJ H$m ahZm Omar h, Omo g_`-eIbm So>Q>m go `w$ EH$
dm{fH$ H$meZ h&
IV.6.2 2008 _| ^maVr` ~r_m g~Yr hS>-~wH$ Ho$ W_ gH$aU
Ho$ H$meZ Ho$ n[aUm_d$n, AZwgYmZ Ama {dH$mg {d^mJ Zo
CmoJ _| {d{^ {hVYmaH$m| H$s ~T>Vr hB Amd`H$VmE nyar H$aZo Ho$
{bE Bg H$meZ Ho$ Xm`ao H$m {dVma H$aZm Omar aIm& Bg hS>-~wH$
H$m 8dm gH$aU _mM 2016 _| H$m{eV {H$`m J`m {Og_| 93
g_`-eIbm So>Q>m gma{U`m em{_b H$s JB& {d^mJ mam Bg hS>-
~wH$ Ho$ 9d| gH$aU Ho$ {dVma Ama {df`-dVw _| gwYma H$aZo Ho$
{bE `mg Omar h {OgHo$ {Xg~a 2016 _| H$m{eV hmoZo H$s g^mdZm
h&
IV.6.3 Ama ES> S>r AZw^mJ {d{^ H$ma H$m So>Q>m ^maVr`
[aOd ~H$, E_AmoEgnrAmB Ama S>rE\$Eg H$mo CnbY H$amVm ahm
h& So>Q>m Ho$ Hw$N> H$mam| H$m d$n Amd{YH$ h&
IV.6.4 ^maV gaH$ma Zo ~r_m jo Ho$ {bE Xmo Cn-g{_{V`m| H$m
JR>Z {H$`m h, EH$ "godm CnmXZ gyMH$mH$' Ho$ {Z_mU Ama Xygar
"godm H$s_V gyMH$mH$' Ho$ {Z_mU Ho$ {bE h& ~r_m jo Ho$ {bE
godm CnmXZ gyMH$mH$ {dH${gV H$aZo hoVw gmp`H$s Ama H$m`H$_
H$m`md`Z _mb` mam \$adar 2012 _| J{R>V Cn-g{_{V Zo AnZr
A{V_ [anmoQ> E_AmoEgnrAmB H$mo 14.07.2015 H$mo VwV H$s&
120
 dm{fH$ [anmoQ>
IV.6.5 {Xg~a 2011 _| Ammo{JH$ Zr{V Ama gdYZ {d^mJ,
dm{U` Ama CmoJ _mb` mam ~r_m jo Ho$ {bE godm H$s_V
gyMH$mH$ Ho$ {dH$mg Ho$ {bE J{R>V Cn-g{_{V Zo ~h{dY {>H$moUm|
go H$m` {H$`m& godm H$s_V gyMH$mH$ g~Yr [anmoQ> H$m m$n {deofk
g{_{V H$mo 30.09.2015 H$mo VH$ZrH$s gbmhH$ma g{_{V Ho$ gmW
CgH$s g`w$ ~R>H$ _| VwV {H$`m J`m& {deofk g{_{V Ho$ gwPmdm|
Ho$ AmYma na 15-16.02.2016 H$mo Am`mo{OV Cn-g{_{V H$s
gmVdt ~R>H$ _| H$m`n{V H$s g_rjm H$s JB& ~r_m jo H$s_V
gyMH$mH$ g~Yr A{V_ [anmoQ> Ho$ AZwdVu df _| VwV {H$`o OmZo
H$s g^mdZm h&
IV.6.6 C$ XmoZm| Cn-g{_{V`m| H$s A`jVm lr lram_ VaUrH$m{V,
H$m`H$mar {ZXoeH$ mam H$s JB VWm AmBAmaS>rEAmB go EH$ A`
d[a> A{YH$mar mam ^r BZ_| {V{Z{Yd {H$`m J`m& XmoZm| Cn-
g{_{V`m| H$mo jor` {dH$mg {d^mJ (EgS>rS>r) H$m Ama ES> S>r
IS> g{Mdr` ghm`Vm XmZ H$aVm ahm h& BgHo$ Abmdm, BZ Cn-
g{_{V`m| Ho$ H$m` H$s J{V _| {d^mJ Ho$ A{YH$mar K{Z> $n go
g~ aho h&
IV.6.7 Ama ES> S>r AZw^mJ {dd AmgV H$s VwbZm _| h_mao Xoe
_| H$_ ~r_m `mnZ Ho$ {bE H$maU Ama BgHo$ gmW g~{YV {d{^
{dVaU _m`_m| H$s ^y{_H$m H$m nVm bJmZo Ho$ {bE AZwgYmZ
n[a`moOZm gMm{bV H$a ahm h&
IV.7 gyMZm mmo{JH$s H$s pW{V
^mdr n`djo U Ama {ZJamZr Ho$db V^r g^d h O~ ge$ AmBQ>r
Um{b`m {d_mZ hm|& gyMZm mmo{JH$s {d^mJ Bg {Xem _| {ZaVa
AJga h VWm Bg df Ho$ XmamZ {d^mJ mam {H$`o J`o Hw$N> H$m`H$bmn
{ZZmZwgma h :
IV.7.1 `mdgm{`H$ {dbofU-n{V n[a`moOZm (~rEnr)
g_yMr Umbr H$m g\$bVmnydH$ H$m`md`Z {H$`m J`m VWm `mo$m
drH${V narjU (`yEQ>r), `mo$m {ejU (XmoZm| AmV[aH$ Ama
2015-16
~m `mo$mAm| Ho$ {bE) Ama nmoQ>b Ho$ {d{^ _mS>ybm| Ho$ {bE
{Z`{V Cn`moJ (Jmo-bmBd) H$m gMmbZ H$aZo Ho$ ~mX Bgo n[aMm{bV
{H$`m J`m& `mo$m {d^mJm| mam AmnMm[aH$ n[an Omar {H$`o J`o
VWm {d{Z`{_V gWmAm| Zo {dda{U`m/ So>Q>m AmZbmBZ \$mBb H$aZm
ma^ {H$`m h& {d{Z`{_V gWmE g_mVa $n _| A`m{H$ Umbr
Ho$ gmW hr BboQ>m{ZH$ $n _| Vw{V Omar aI|Jr& Ogo hr BZ
_mS>ybm| Ho$ n[aMmbZ nyar Vah gwpWa hmo OmEJo, A`m{H$ $n _|
\$mBqbJ H$mo H$_e N>moS> {X`m OmEJm&
IV.7.2 AmV[aH$ AZw`moJ
Bg df Ho$ XmamZ {ZZ{b{IV Z`o AZw`moJ AmV[aH$ $n go {dH${gV
{H$`o J`o Ama {d{^ {d^mJm| Ho$ {bE H$m`mpdV {H$`o J`o&
i) gMm{bV EMAmoS>r ~R>H$m| Ho$ VwVrH$aUm| H$m AnbmoqS>J
H$aZo Ho$ {bE AZw`moJ&
ii) {d{^ [anmoQ>m] VWm am`-Var` A{YH$m[a`m| (EgEbAmo)
mam Am`mo{OV am`-Var` g_d` g{_{V (EgEbgrgr)
H$s ~R>H$m| Ho$ H$m`d mm| H$m AnbmoqS>J H$aZo Ho$ {bE AZw`moJ&
iii) H$mZyZr _m_bm| Ho$ aIaImd Ho$ {bE AZw`moJ&
iv) {eH$m`V| XO H$aZo Ama {ZJamZr H$aZo Ho$ {bE AmBQ>r hon
So>H$ hoVw AZw`moJ&
Bg df Ho$ XmamZ dV_mZ AmV[aH$ AZw`moJm| _| {d{^ gdYZ {H$`o
J`o Ama CZH$m gmame {ZZmZwgma h
i) gr_mnma nwZ~u_m _| \$mBqbJ H$m`{d{Y&
ii) g_obZ H$j H$m ~wqH$J&
gVH$Vm g~Yr gyMZm, AmV[aH$ boIm-narjm Ed jor` {dH$mg
{d^mJ g~Yr gyMZm Ho$ gma hoVw AbJ D$dmYam| (d{Q>H$bm|) H$mo
em{_b H$aZo Ho$ {bE BQ>mZoQ> gmBQ> H$m ^r JoS> ~T>m`m J`m h& AmBQ>r
121
 dm{fH$ [anmoQ> 2015-16

{d^mJ EH$ gh`moJnyU H$m` n[adoe H$mo H$m`mpdV H$aZo Ho$ {bE IV.8 boIm
BQ>mZoQ> nmoQ>b _| gwYma H$aZo H$s ^r {H$`m _| h&
IV.8.1 {dmr` df 2015-16 Ho$ {bE m{YH$aU Ho$ boIo ^maV
IV.7.3 EgEnr-BAmanr H$m`md`Z Ho$ {Z`H$ Ama _hmboImnarjH$ (grEOr) H$mo VwV {H$`o J`o h&
AmBAmaS>rE A{Y{Z`_, 1999 H$s Ymam 17 Ho$ Cn~Ym| Ho$ AZwgaU
AVambm| H$s nhMmZ H$aZo Ama BAmanr AZw`moJ H$s Cn`mo{JVm
_| boIm-narjm [anmoQ> Ho$ gmW boIm-nar{jV boIo ggX Ho$ XmoZm|
H$mo AmJo Ama ~T>mZo Ho$ {bE ^r BAmanr AZw`moJ Ho$ {bE EH$
gXZm| _| VwV {H$`o OmZo Ho$ {bE ^maV gaH$ma H$mo o{fV H$aZm
{dVV AVamb {dbofU gMm{bV {H$`m J`m& Bg J{V{d{Y Ho$
Ano{jV h&
A{V[a$, Bg df Ho$ XmamZ {ZZ{b{IV H$m` ^r {H$`o J`o
{dmr` df 2014-15 Ho$ {bE boIm-nar{jV boIo bmoH$g^m Ho$
H$) Iwbr {Z{dXm {H$`m Ho$ _m`_ go Z`o EE_gr {dHo$Vm H$m
g_j 18 {Xg~a 2015 H$mo VWm am`g^m Ho$ g_j 15 {Xg~a
M`Z
2015 H$mo VwV {H$`o J`o&
I) n[a` _| JwUdmm Umbr H$s WmnZm
IV.9 AmBAmaS>rEAmB OZb
J) dV_mZ EgEnr BAmanr Umbr _| AVambm| (\$m_ 16 H$mo
IV.9.1 CmoJ Ho$ {d{^ {hVYmaH$m| Ama n`dojH$m| Ho$ ~rM gyMZm
N>moS>H$a) H$m {ZYmaU
Ho$ A~m{YV gma Ho$ {bE EH$ nmaXeu _m`_ Ho$ $n _|
IV.7.4 A` J{V{d{Y`m AmBAmaS>rEAmB 2002 go {V _mh AmBAmaS>rEAmB OZb H$m
H$meZ H$a ahm h& `h OZb AnZr e{$ CZ {deofkm| go m
df Ho$ XmamZ {d^mJ mam nyar H$s JB J{V{d{Y`m {ZZmZwgma h : H$aVr h {Ohm|Zo g_`-g_` na Bg_| AnZr aMZmE XoH$a gh`moJ
H$) jor` H$m`mb`m| Ama YmZ H$m`mb` Ho$ ~rM g~Vm H$s {H$`m h& AmBAmaS>rEAmB OZb Ho$ {bE AmboI gm_m`V ~r_m
WmnZm& Ho$ jo Ho$ gw{dk `{$`m| Ama {deofkm| mam {bIo OmVo h&
AmBAmaS>rEAmB OZb AnZo nmR>H$JU Ho$ {bE ~r_m go g~{YV
I) _w~B jor` H$m`mb` (E_AmaAmo) Ho$ {bE ZoQ>d{H$J H$s gyMZm Ama g_mMmam| H$m gJhU, gH$aU Ama gma H$aZo H$m
WmnZm& `mg H$aVm h VWm AnZo nmR>H$m| Ho$ {bE _y`dmZ aMZmE H$m{eV
H$aZm BgH$m Co` h&
J) ZH$br B-_ob ofU (B-_ob nyq\$J) H$mo amoH$Zo Ho$ {bE
gXoe Umbr H$m H$R>moarH$aU& OZb _| OrdZ, Ja-OrdZ Ama dm` ~r_m Ho$ g~Y _| H$m{eV
gmp`H$s` gyMZm {ejm{dXm| Ed Zr{V-{ZYmaH$m| Ho$ {bE AmJo Ama
K) EH$sH$V AmeH$m ~Y Umbr H$m JoS> ~T>mZm&
{dbofU H$aZo _| ghm`H$ hmoVr h&
L>) ge$ {ZJamZr Ho$ {bE EoQ>r-dmBag Umbr H$m JoS> ~T>mZm&
OZb Ho$ nmR>H$m| H$s g`m H$_e ~T> ahr h VWm H$B Z`o boIH$
M) _hdnyU So>Q>m~ogm| Ho$ {bE namoj (Am\$-gmBQ>) ghm`H$ Bg OZb Ho$ {bE {bIZo _| H$m\$s {M Xem aho h& `h Xoer Ama
`dWmAm| (~H$-Anm|) H$m H$m`md`Z& AVaam>r` XmoZm| H$ma Ho$ gyMZmX {df`m| na {d{^ A{^_Vm| Ho$

122
 dm{fH$ [anmoQ>
{bE EH$ ANo> moV Ho$ $n _| n[aUV hAm h& OZb H$s do~ {V
bJmVma gyMZm H$m moV ~Zr hB h VWm `h {d{^ {hVYmaH$m| Ho$
{bE AZoH$ gm_{`H$ {df`m| H$mo g_m{d> H$aVr h&
IV.9.2 _m{gH$ OZb H$m `oH$ AH$ CmoJ Ho$ {bE gJV EH$
mg{JH$ {df` na Ho$pV h& df 2015-16 Ho$ XmamZ OZb Zo
dm` ~r_m, JmhH$ godm, ~r_m CmoJ _| {eH$m`Vm| na H$madmB,
\$gb ~r_m, ~r_m CmoJ _| _`d{V`m| H$s ^y{_H$m, ~r_m CmoJ _|
grEgAma J{V{d{Y`m, Am{X {d{^ {df`m| H$mo JhU {H$`m h&
{H$gr {d{e> jo _| {dMmam| Ama YmaUmAm| Ho$ EH$ `mnH$V_ Xm`ao
H$mo g_m{d> H$aZo Ho$ A{V[a$, Bg Wm Zo {d{^ AeXmVmAm| Ho$
AmboIm| H$mo em{_b H$aZo _| g_W ~Zm`m h VWm BgHo$ mam OZb
_| ~m{H$ {df`-dVw Ho$ Xm`ao H$mo {dVV H$a {X`m h&
AnZo ma^ go hr, _mM 2016 VH$ OZb H$mo ~m `{$`m| Zo
g^mbm h VWm nhbr ~ma m{YH$aU Zo {dmr` df 2016-17 go
`h H$m` AmV[aH$ gnmXH$ H$mo gmnZo H$m {ZU` {H$`m h& OZb Ho$
2015-16
H$meZ H$s Amd{YH$Vm A~ _m{gH$ go {V_mhr Ho$ $n _| n[ad{VV
H$s JB h VWm OZb H$m nhbm {V_mhr AH$ Ab-OyZ 2016 h&
IV.10 Am^ma-XeZ
IV.10.1 AmBAmaS>rEAmB ~moS> Ho$ gX`m|, ~r_m gbmhH$ma g{_{V
Ho$ gX`m|, nwZ~u_m gbmhH$ma g{_{V, {dmr` godmE {d^mJ ({dm
_mb`), nam_eXmr g{_{V Ho$ gX`m|, g^r ~r_mH$VmAm| Ama
_`d{V`m| H$mo AnZo g_w{MV H$m`gM mbZ _| CZHo$ A_y` _mJXeZ
Ed gh`moJ Ho$ {bE; VWm AmBAmaS>rEAmB Ho$ A{YH$m[a`m| Ama
H$_Mm[a`m| H$s gwg~ Q>r_ H$mo CZHo$ H$V`m| Ho$ Hw$eb {ZdhU Ho$
{bE AnZr gamhZm Ama hm{XH$ H$VkVm H$mo A{^boI~ H$aZm
MmhVm h& m{YH$aU AVaam>r` ~r_m n`dj o H$ gK (AmBEAmBEg)
g{hV, OZgmYmaU Ho$ gX`m|, og, g^r `mdgm{`H$ {ZH$m`m| Ama
AnZr n[afXm| Ho$ _m`_ go ~r_m `dgm` Ho$ gmW g~ AVaam>r`
EO|{g`m| H$mo ^r g_`-g_` na {X`o J`o CZHo$ _y`dmZ gh`moJ Ho$
{bE AnZo {deof Am^ma A{^{b{IV H$aVm h&
123
{ddaU
 dm{fH$ [anmoQ> 2015-16

{ddaU 1
~r_m `mnZ H$s AVaam>r` VwbZm*
({VeV _|)
Xoe 2014** 2015**
Hw$b OrdZ Ja-OrdZ Hw$b OrdZ Ja-OrdZ
AmQo>{b`m 6.0 3.8 2.2 5.7 3.5 2.2
~mOrb 3.9 2.1 1.9 3.9 2.1 1.8
\$mg 9.1 5.9 3.1 9.3 6.2 3.1
O_Zr 6.5 3.1 3.4 6.2 2.9 3.4
$g 1.4 0.2 1.2 1.4 0.2 1.2
X{jU A\$sH$m 14.0 11.4 2.7 14.7 12.0 2.7
pdQ>OabS> 9.2 5.1 4.1 9.2 5.1 4.1
`wZmBQo>S> qH$JS>_ 10.6 8.0 2.6 10.0 7.5 2.4
g`w$ am` A_o[aH$m 7.3 3.0 4.3 7.3 3.1 4.2
E{e`mB Xoe
hmJH$mJ 14.2 12.7 1.4 14.8 13.3 1.5
^maV 3.3 2.6 0.7 3.4 2.7 0.7
OmnmZ 10.8 8.4 2.4 10.8 8.3 2.6
_bo{e`m 4.8 3.1 1.7 5.1 3.4 1.7
nm{H$VmZ 0.8 0.5 0.3 0.8 0.5 0.3
nrAma MrZ 3.2 1.7 1.5 3.6 2.0 1.6
qgJmnwa 6.7 5.0 1.6 7.3 5.6 1.7
X{jU H$mo[a`m 11.3 7.2 4.1 11.4 7.3 4.1
lrbH$m 1.1 0.5 0.7 1.2 0.5 0.7
VmBdmZ 18.9 15.6 3.3 19.0 15.7 3.2
WmBbS> 5.8 3.6 2.2 5.5 3.7 1.8
{dd 6.2 3.4 2.7 6.2 3.5 2.8
moV: pdg AmaB, {gJ_m IS> 4/2015 Ama 3/2016.
* ~r_m `mnZ H$m _mnZ OrS>rnr (A_o[aH$s S>mba _|) H$s VwbZm _| r{_`_ (A_o[aH$s S>mba _|) Ho$ AZwnmV Ho$ $n _| {H$`m OmVm h&
** So>Q>m H$b|S>a df 2014 Ama 2015 go g~{YV h&
So>Q>m {dmr` df 2014-15 Ama 2015-16 go g~{YV h&

127
 dm{fH$ [anmoQ> 2015-16

{ddaU 2
*
~r_m gKZVm H$s AVaam>r` VwbZm
(A_o[aH$s S>mba _|)

Xoe 2014** 2015**

Hw$b OrdZ Ja-OrdZ Hw$b OrdZ Ja-OrdZ
AmQo>{b`m 3736 2382 1354 2958 1830 1128
~mOrb 422 222 200 332 178 154
\$mg 3902 2552 1350 3392 2263 1129
O_Zr 3054 1437 1617 2563 1181 1381
$g 181 20 161 117 15 102
X{jU A\$sH$m 925 748 176 843 688 155
pdQ>OabS> 7934 4391 3542 7370 4079 3292
`wZmBQo>S> qH$JS>_ 4823 3638 1185 4359 3292 1067
g`w$ am` A_o[aH$m 4017 1657 2360 4096 1719 2377
E{e`mB Xoe
hmJH$mJ 5647 5071 575 6271 5655 616
^maV 55 44 11 55 43 12
OmnmZ 3778 2926 852 3554 2717 837
_bo{e`m 524 338 186 472 316 157
nm{H$VmZ 11 7 4 12 8 4
nrAma MrZ 235 127 109 281 153 128
qgJmnwa 3759 2840 919 3825 2932 894
X{jU H$mo[a`m 3163 2014 1149 3034 1940 1094
lrbH$m 40 17 23 43 19 25
VmBdmZ 4072 3371 701 4094 3397 698
WmBbS> 323 198 125 319 215 104
{dd 662 368 294 621 346 276
moV: pdg AmaB, {gJ_m IS> 4/2015 Ama 3/2016
* ~r_m gKZVm H$m _mnZ Hw$b OZg`m H$s VwbZm _| r{_`_ (A_o[aH$s S>mba _|) Ho$ AZwnmV Ho$ $n _| {H$`m OmVm h&
** So>Q>m H$b|S>a df 2014 Ama 2015 go g~{YV h&
So>Q>m {dmr` df 2014-15 Ama 2015-16 go g~{YV h&

128
 {ddaU 3
W_ df OrdZ ~r_m r{_`_ (EH$b r{_`_ g{hV)
(` H$amoS>)
~r_mH$Vm 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
EBJmZ bmB\$ -- -- -- -- -- -- -- -- 31.21 150.37 274.87 207.65 135.90 147.22 207.50 136.33
Adrdm -- -- 13.47 76.96 192.29 407.12 721.35 1053.98 724.56 798.37 745.39 801.86 687.40 593.76 556.89 320.80
~OmO Abm`O -- 7.14 63.39 179.55 857.45 2716.77 4302.74 6674.48 4491.43 4451.10 3465.82 2717.31 2987.90 2592.03 2702.10 2884.52
^maVr Agm -- -- -- -- -- -- 7.78 113.24 292.93 437.43 347.78 224.59 248.92 375.61 474.20 539.49
{~S>bm gZbmB\$ 0.32 28.11 129.57 449.86 621.31 678.12 882.72 1965.01 2820.85 2960.01 2080.30 1926.17 1836.51 1697.49 1937.94 2220.31
Ho$Zam EMEg~rgr -- -- -- -- -- -- -- -- 296.41 622.62 817.29 687.10 606.72 608.07 476.98 859.18
S>rEME\$Eb m_o[aH$m -- -- -- -- -- -- -- -- 3.37 37.38 74.15 103.16 140.01 172.95 579.59 727.02
ESo>bdoBg Q>mo{H$`mo -- -- -- -- -- -- -- -- -- -- -- 10.88 47.33 80.72 122.42 183.59
EgmBS> bmB\$ -- 4.19 17.66 72.10 282.42 283.98 467.66 704.44 688.95 642.43 660.49 638.14 638.20 567.81 644.75 632.85
`yMa OZambr -- -- -- -- -- -- -- 2.49 149.97 486.08 448.61 345.03 240.43 224.90 252.41 255.59
EMS>rE\$gr Q>S>S> 0.002 32.78 129.31 209.33 486.15 1042.65 1648.85 2685.37 2651.11 3257.51 4059.33 3857.47 4436.07 4038.93 5492.10 6487.22
AmBgrAmBgrAmB wSo>pe`b 5.97 113.33 364.11 750.84 1584.34 2602.50 5162.13 8034.75 6811.83 6333.92 7862.14 4441.09 4808.62 3759.59 5332.13 6765.75
AmBS>r~rAmB \o$S>ab -- -- -- -- -- -- -- 11.90 316.78 400.56 444.95 311.01 345.14 315.69 484.50 588.40
B{S>`m\$Q> -- -- -- -- -- -- -- -- -- 201.59 704.77 982.31 1316.42 1681.36 1538.67 1478.10
dm{fH$ [anmoQ>

129
H$moQ>H$ _{hm -- 7.58 35.21 125.51 373.99 396.06 614.94 1106.62 1343.03 1333.98 1253.14 1164.27 1188.10 1271.81 1540.18 2209.66
_g bmB\$ 0.16 38.80 67.31 137.28 233.63 471.36 912.11 1597.83 1842.91 1849.08 2061.39 1901.72 1899.34 2261.60 2572.60 2881.71
nrEZ~r _oQ>bmB\$ -- 0.48 7.70 23.41 57.52 148.53 340.44 825.35 1144.70 1061.85 706.22 1076.97 840.08 675.89 829.06 1003.17
2015-16

[abm`g {ZnmoZ -- 0.28 6.32 27.21 91.33 193.56 932.11 2751.05 3513.98 3920.78 3034.94 1809.29 1376.57 1933.99 2069.69 1558.33
ghmam -- -- -- -- 1.74 26.34 43.00 122.12 134.01 124.83 91.83 71.14 61.43 65.09 38.44 43.43
Eg~rAmB bmB\$ -- 14.69 71.88 207.05 484.85 827.82 2563.84 4792.82 5386.64 7040.74 7589.58 6531.32 5182.88 5065.48 5529.16 7106.58
lram_ bmB\$ -- -- -- -- -- 10.33 181.17 309.99 314.47 419.50 571.99 390.99 420.65 389.83 498.52 693.79
Q>ma `y{Z`Z XmB-BMr -- -- -- -- -- -- -- -- 50.19 519.87 758.69 964.77 744.80 562.85 629.93 654.19
Q>mQ>m EAmBoE -- 21.14 59.77 181.59 297.55 464.53 644.82 964.51 1142.67 1322.01 1332.21 939.55 560.16 433.76 312.05 740.79
{ZOr Hw$b 6.45 268.51 965.69 2440.71 5564.57 10269.67 19425.65 33715.95 34152.00 38372.01 39385.84 32103.78 30749.58 29516.43 34821.81 40970.80
(4061.70) (259.65) (152.74) (127.99) (84.55) (89.16) (73.56) (1.29) (12.36) (2.64) (-18.49) (-4.22) (-4.01) (17.97) (17.66)
EbAmBgr 9700.98 19588.77 15976.76 17347.62 20653.06 28515.87 56223.56 59996.57 53179.08 71521.90 87012.35 81862.25 76611.50 90808.79 78507.72 97891.5096
(101.93) (-18.44) (8.58) (19.05) (38.07) (97.17) (6.71) (-11.36) (34.49) (21.66) (-5.92) (-6.41) (18.53) (-13.55) (24.69)
CmoJ Hw$b 9707.43 19857.28 16942.45 19788.32 26217.64 38785.54 75649.21 93712.52 87331.08 109893.91 126398.18 113966.03 107361.08 120325.22 113329.52 138862.31
(104.56) (-14.68) (16.80) (32.49) (47.94) (95.04) (23.88) (-6.81) (25.84) (15.02) (-9.84) (-5.80) (12.08) (-5.82) (22.53)
{Q>nUr: 1) H$mo>H$ _| AmH$So> {VeV _| {nN>bo df H$s VwbZm _| d{ XemVo h&
2) -- mo{VV H$aVm h {H$ `dgm` ma^ Zht {H$`m J`m h&
3) {nN>bo df Ho$ AmH$So> ~r_mH$VmAm| mam gemo{YV {H$`o J`o h&
 {ddaU 4
Hw$b OrdZ ~r_m r{_`_
(` H$amoS>)
~r_mH$Vm 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
EBJmZ bmB\$ -- -- -- -- -- -- -- -- 31.21 165.65 388.61 457.32 430.50 453.00 559.20 501.60
Adrdm -- -- 13.47 81.50 253.42 600.27 1147.23 1891.88 1992.87 2378.01 2345.17 2415.87 2140.67 1878.10 1796.25 1493.15
~OmO Abm`O -- 7.14 69.17 220.80 1001.68 3133.58 5345.24 9725.31 10624.52 11419.71 9609.95 7483.80 6892.70 5843.14 6017.30 5897.31
^maVr Agm -- -- -- -- -- -- 7.78 118.41 360.41 669.73 792.02 774.16 744.52 872.65 1053.32 1208.33
{~S>bm gZbmB\$ 0.32 28.26 143.92 537.54 915.47 1259.68 1776.71 3272.19 4571.80 5505.66 5677.07 5885.36 5216.30 4833.05 5233.22 5579.71
Ho$Zam EMEg~rgr -- -- -- -- -- -- -- -- 296.41 842.45 1531.86 1861.08 1912.15 1823.42 1657.02 2059.96
S>rEME\$Eb m_o[aH$m -- -- -- -- -- -- -- -- 3.37 38.44 95.04 167.01 236.79 305.86 735.10 920.21
ESo>bdoBg Q>mo{H$`mo -- -- -- -- -- -- -- -- -- -- -- 10.88 54.83 110.90 193.08 310.07
EgmBS> bmB\$ -- 4.19 21.16 88.51 338.86 425.38 707.20 1158.87 1442.28 1642.65 1708.95 1679.98 1742.36 1830.67 2027.48 2046.99
`yMa OZambr -- -- -- -- -- -- -- 2.49 152.60 541.51 726.16 779.58 678.29 634.16 604.25 592.50
EMS>rE\$gr Q>S>S> 0.002 33.46 148.83 297.76 686.63 1569.91 2855.87 4858.56 5564.69 7005.10 9004.17 10202.40 11322.68 12062.90 14829.90 16312.98
AmBgrAmBgrAmB wSo>pe`b 5.97 116.38 417.62 989.28 2363.82 4261.05 7912.99 13561.06 15356.22 16528.75 17880.63 14021.58 13538.24 12428.65 15306.62 19164.39
AmBS>r~rAmB \o$S>ab -- -- -- -- -- -- -- 11.90 318.97 571.12 811.00 736.70 804.68 826.25 1069.62 1239.67
B{S>`m\$Q> -- -- -- -- -- -- -- -- -- 201.60 798.43 1297.93 1690.08 2143.36 2034.11 1967.40
dm{fH$ [anmoQ>

130
H$moQ>H$ _{hm -- 7.58 40.32 150.72 466.16 621.85 971.51 1691.14 2343.19 2868.05 2975.51 2937.43 2777.78 2700.79 3038.05 3971.68
_g bmB\$ 0.16 38.95 96.59 215.25 413.43 788.13 1500.28 2714.60 3857.26 4860.54 5812.63 6390.53 6638.70 7278.54 8171.62 9216.16
nrEZ~r _oQ>bmB\$ -- 0.48 7.91 28.73 81.53 205.99 492.71 1159.54 1996.64 2536.01 2508.17 2677.50 2429.52 2240.59 2461.19 2827.83
2015-16

[abm`g {ZnmoZ -- 0.28 6.47 31.06 106.55 224.21 1004.66 3225.44 4932.54 6604.90 6571.15 5497.62 4045.39 4283.40 4621.08 4398.12
ghmam -- -- -- -- 1.74 27.66 51.00 143.49 206.47 250.59 243.41 225.95 205.38 204.63 166.86 157.05
Eg~rAmB bmB\$ -- 14.69 72.39 225.67 601.18 1075.32 2928.49 5622.14 7212.10 10104.03 12945.29 13133.74 10450.03 10738.60 12867.11 15825.36
lram_ bmB\$ -- -- -- -- -- 10.33 184.16 358.05 436.17 611.27 821.52 644.16 618.07 594.24 734.66 1022.11
Q>ma `y{Z`Z XmB-BMr -- -- -- -- -- -- -- -- 50.19 530.37 933.31 1271.95 1068.80 948.75 1134.68 1307.47
Q>mQ>m EAmBE -- 21.14 81.21 253.53 497.04 880.19 1367.18 2046.35 2747.50 3493.78 3985.22 3630.30 2760.43 2323.70 2122.66 2478.96
{ZOr Hw$b 6.45 272.55 1119.06 3120.33 7727.51 15083.54 28253.00 51561.42 64497.43 79369.94 88165.24 84182.83 78398.91 77359.36 88434.35 100499.03
(4124.31) (310.59) (178.83) (147.65) (95.19) (87.31) (82.50) (25.09) (23.06) (11.08) (-4.52) (-6.87) (-1.33) 14.32 (13.64)
EbAmBgr 34892.02 49821.91 54628.49 63533.43 75127.29 90792.22 127822.84 149789.99 157288.04 186077.31 203473.40 202889.28 208803.58 236942.30 239667.65 266444.21
(42.79) (9.65) (16.30) (18.25) (20.85) (40.79) (17.19) (5.01) (18.30) (9.35) (-0.29) (2.92) (13.48) (1.15) (11.17)
CmoJ Hw$b 34898.47 50094.46 55747.55 66653.75 82854.80 105875.76 156075.84 201351.41 221785.47 265447.25 291638.64 287072.11 287202.49 314301.66 328102.01 366943.23
(43.54) (11.28) (19.56) (24.31) (27.78) (47.41) (29.01) (10.15) (19.69) (9.87) (-1.57) (0.05) (9.44) (4.39) (11.84)

{Q>nUr: 1) H$mo>H$ _| AmH$So> {VeV _| {nN>bo df H$s VwbZm _| d{ XemVo h&

2) -- mo{VV H$aVm h {H$ `dgm` ma^ Zht {H$`m J`m h&
3) {nN>bo df Ho$ AmH$So> ~r_mH$VmAm| mam gemo{YV {H$`o J`o h&
 {ddaU 5
2015-16 Ho$ {bE OrdZ ~r_mH$VmAm| H$m g~ Ama Ag~ r{_`_
(r{_`_ ` H$amoS> _|)
~r_mH$Vm Hw$b r{_`_ g~ r{_`_ Ag~ r{_`_
{Z`{_V EH$b W_ df ZdrH$aU Hw$b {Z`{_V EH$b W_ df ZdrH$aU Hw$b {Z`{_V EH$b W_ df ZdrH$aU Hw$b
EBJmZ bmB\$ 133.92 2.40 136.33 365.27 501.60 31.13 0.67 31.80 133.33 165.13 102.79 1.73 104.53 231.95 336.48
Adrdm 312.19 8.61 320.80 1172.34 1493.15 162.34 3.86 166.19 444.41 610.60 149.85 4.76 154.61 727.93 882.54
~OmO Abm`O 1393.80 1490.71 2884.52 3012.79 5897.31 381.28 618.99 1000.27 731.10 1731.37 1012.52 871.72 1884.25 2281.70 4165.94
^maVr Agm 358.82 180.67 539.49 668.84 1208.33 4.51 3.37 7.88 157.58 165.46 354.31 177.30 531.61 511.26 1042.87
{~S>bm gZbmB\$ 2173.43 46.87 2220.31 3359.41 5579.71 1048.54 18.57 1067.12 2168.41 3235.52 1124.89 28.30 1153.19 1191.00 2344.19
Ho$Zam EMEg~rgr 437.79 421.40 859.18 1200.78 2059.96 348.64 18.95 367.59 958.76 1326.35 89.15 402.44 491.59 242.02 733.61
S>rEME\$Eb m_o[aH$m 148.85 578.17 727.02 193.19 920.21 10.04 30.22 40.26 21.90 62.17 138.81 547.95 686.75 171.29 858.04
ESo>bdoBg Q>mo{H$`mo 150.04 33.55 183.59 126.47 310.07 29.04 15.58 44.63 14.12 58.74 121.00 17.96 138.96 112.36 251.32
EgmBS> bmB\$ 565.82 67.04 632.85 1414.14 2046.99 20.94 9.31 30.25 181.95 212.20 544.88 57.73 602.61 1232.18 1834.79
`yMa OZambr 249.05 6.53 255.59 336.91 592.50 20.80 2.99 23.78 59.11 82.89 228.26 3.55 231.81 277.80 509.61
EMS>rE\$gr Q>S>S> 3296.49 3190.73 6487.22 9825.76 16312.98 1882.10 954.85 2836.95 5771.45 8608.39 1414.40 2235.88 3650.27 4054.31 7704.58
dm{fH$ [anmoQ>

131
AmBgrAmBgrAmB wSo>pe`b 4924.38 1841.37 6765.75 12398.64 19164.39 4116.43 1450.35 5566.78 8815.16 14381.94 807.95 391.02 1198.97 3583.48 4782.45
AmBS>r~rAmB \o$S>ab 310.32 278.08 588.40 651.27 1239.67 50.18 183.65 233.83 56.30 290.14 260.14 94.43 354.57 594.96 949.53
B{S>`m\$Q> 218.79 1259.31 1478.10 489.30 1967.40 92.40 46.46 138.86 403.51 542.37 126.39 1212.85 1339.23 85.79 1425.03
2015-16

H$moQ>H$ _{hm 1646.68 562.98 2209.66 1762.02 3971.68 586.93 125.56 712.49 585.41 1297.90 1059.76 437.42 1497.17 1176.60 2673.78
_g bmB\$ 2082.79 798.92 2881.71 6334.45 9216.16 576.48 32.85 609.33 1637.95 2247.28 1506.31 766.07 2272.38 4696.50 6968.89
nrEZ~r _oQ>bmB\$ 958.15 45.02 1003.17 1824.67 2827.83 266.84 8.81 275.65 646.93 922.58 691.31 36.21 727.52 1177.73 1905.26
[abm`g {ZnmoZ 1446.70 111.63 1558.33 2839.79 4398.12 689.92 17.14 707.07 621.41 1328.48 756.77 94.49 851.26 2218.37 3069.64
ghmam 12.45 30.98 43.43 113.62 157.05 0.11 3.19 3.31 8.07 11.38 12.34 27.79 40.12 105.55 145.67
Eg~rAmB bmB\$ 4630.54 2476.04 7106.58 8718.79 15825.36 2594.66 638.69 3233.35 3661.41 6894.76 2035.88 1837.34 3873.23 5057.38 8930.61
lram_ bmB\$ 420.13 273.66 693.79 328.32 1022.11 7.79 30.45 38.25 19.74 57.98 412.33 243.21 655.54 308.58 964.13
Q>ma `y{Z`Z XmB-BMr 553.34 100.85 654.19 653.28 1307.47 42.75 61.44 104.18 316.56 420.75 510.59 39.41 550.01 336.72 886.73
Q>mQ>m EAmBE 724.84 15.95 740.79 1738.17 2478.96 255.65 9.64 265.28 482.71 747.99 469.19 6.32 475.51 1255.46 1730.97
{ZOr Hw$b 27149.32 13821.47 40970.80 59528.23 100499.03 13219.51 4285.59 17505.10 27897.27 45402.37 13929.82 9535.88 23465.70 31630.96 55096.65
EbAmBgr 23829.38 74062.13 97891.51 168552.70 266444.21 29.14 1.27 30.41 1438.79 1469.21 23800.24 74060.86 97861.10 167113.90 264975.00
Hw$b OmoS> 50978.71 87883.60 138862.31 228080.93 366943.23 13248.65 4286.86 17535.51 29336.07 46871.58 37730.06 83596.74 121326.79 198744.86 320071.65
{Q>nUr: 1) W_ df r{_`_= {Z`{_V r{_`_ + EH$b r{_`_
2) Hw$b r{_`_= W_ df r{_`_+ ZdrH$aU r{_`_
 Omar... {ddaU 5
2014-15 Ho$ {bE OrdZ ~r_mH$VmAm| H$m g~ Ama Ag~ r{_`_
(r{_`_ ` H$amoS> _|)
~r_mH$Vm Hw$b r{_`_ g~ r{_`_ Ag~ r{_`_
{Z`{_V EH$b W_ df ZdrH$aU Hw$b {Z`{_V EH$b W_ df ZdrH$aU Hw$b {Z`{_V EH$b W_ df ZdrH$aU Hw$b
EBJmZ bmB\$ 206.28 1.22 207.50 351.69 559.20 32.95 0.45 33.40 160.48 193.89 173.33 0.77 174.10 191.21 365.31
Adrdm 546.04 10.86 556.89 1239.36 1796.25 113.53 4.71 118.24 615.39 733.63 432.51 6.15 438.65 623.97 1062.62
~OmO Abm`O 1501.02 1201.07 2702.10 3315.20 6017.30 331.27 643.57 974.84 771.03 1745.88 1169.75 557.50 1727.25 2544.17 4271.42
^maVr Agm 350.48 123.73 474.20 579.12 1053.32 6.10 1.92 8.02 236.22 244.24 344.37 121.80 466.18 342.90 809.08
{~S>bm gZbmB\$ 1896.37 41.57 1937.94 3295.28 5233.22 665.13 12.57 677.70 2322.42 3000.12 1231.24 29.01 1260.25 972.86 2233.10
Ho$Zam EMEg~rgr 336.35 140.63 476.98 1180.04 1657.02 249.22 4.90 254.12 964.08 1218.19 87.13 135.73 222.86 215.96 438.82
S>rEME\$Eb m_o[aH$m 140.21 439.38 579.59 155.51 735.10 8.54 0.23 8.77 30.38 39.15 131.67 439.15 570.82 125.13 695.95
ESo>bdoBg Q>mo{H$`mo 105.30 17.12 122.42 70.66 193.08 17.64 4.95 22.58 5.10 27.69 87.66 12.17 99.84 65.56 165.40
EgmBS> bmB\$ 429.09 215.67 644.75 1382.72 2027.48 20.94 9.31 30.25 181.95 212.20 408.15 206.36 614.51 1200.77 1815.28
`yMa OZambr 245.89 6.52 252.41 351.84 604.25 21.80 4.32 26.12 69.72 95.84 224.09 2.20 226.29 282.11 508.40
EMS>rE\$gr Q>S>S> 2927.90 2564.20 5492.10 9337.80 14829.90 1845.36 530.68 2376.04 5950.92 8326.96 1082.54 2033.51 3116.06 3386.88 6502.94
dm{fH$ [anmoQ>

AmBgrAmBgrAmB wSo>pe`b 4573.17 758.96 5332.13 9974.49 15306.62 3884.90 480.25 4365.15 6799.21 11164.35 688.27 278.71 966.98 3175.28 4142.26

132
AmBS>r~rAmB \o$S>ab 257.64 226.86 484.50 585.12 1069.62 17.30 105.24 122.54 84.57 207.11 240.34 121.62 361.96 500.56 862.52
B{S>`m\$Q> 155.67 1383.01 1538.67 495.43 2034.11 91.74 76.24 167.98 444.98 612.96 63.93 1306.77 1370.69 50.45 1421.14
2015-16

H$moQ>H$ _{hm 1061.42 478.76 1540.18 1497.88 3038.05 269.02 137.95 406.98 622.47 1029.45 792.40 340.80 1133.20 875.41 2008.61
_g bmB\$ 1924.78 647.82 2572.60 5599.02 8171.62 521.52 38.69 560.21 1553.96 2114.18 1403.26 609.13 2012.39 4045.05 6057.44
nrEZ~r _oQ>bmB\$ 812.90 16.16 829.06 1632.12 2461.19 307.22 9.53 316.75 674.92 991.67 505.68 6.63 512.31 957.21 1469.52
[abm`g {ZnmoZ 1971.09 98.59 2069.69 2551.40 4621.08 505.52 21.74 527.26 668.46 1195.72 1465.57 76.86 1542.43 1882.93 3425.36
ghmam 10.35 28.10 38.44 128.41 166.86 0.10 2.89 2.99 13.99 16.99 10.24 25.21 35.45 114.42 149.87
Eg~rAmB bmB\$ 3330.72 2198.44 5529.16 7337.95 12867.11 1379.84 555.29 1935.12 3351.78 5286.90 1950.88 1643.15 3594.03 3986.17 7580.21
lram_ bmB\$ 273.46 225.06 498.52 236.13 734.66 2.04 24.38 26.42 32.65 59.07 271.42 200.68 472.10 203.49 675.59
Q>ma `y{Z`Z XmB-BMr 551.74 78.19 629.93 504.75 1134.68 218.41 34.70 253.11 284.37 537.48 333.33 43.48 376.81 220.39 597.20
Q>mQ>m EAmBE 293.91 18.14 312.05 1810.61 2122.66 54.44 1.44 55.88 631.20 687.08 239.48 16.69 256.17 1179.41 1435.58
{ZOr Hw$b 23901.76 10920.05 34821.81 53612.54 88434.35 10564.52 2705.96 13270.48 26470.27 39740.75 13337.24 8214.09 21551.33 27142.28 48693.60
EbAmBgr 23112.20 55395.51 78507.72 161159.94 239667.65 0.68 1.36 2.04 1875.01 1877.05 23111.52 55394.15 78505.67 159284.93 237790.60
Hw$b OmoS> 47013.97 66315.56 113329.52 214772.48 328102.01 10565.21 2707.32 13272.53 28345.28 41617.80 36448.76 63608.24 100057.00 186427.20 286484.20
{Q>nUr: 1) W_ df r{_`_= {Z`{_V r{_`_ + EH$b r{_`_
2) Hw$b r{_`_= W_ df r{_`_+ ZdrH$aU r{_`_
 {ddaU 6
df 2015-16 Ho$ {bE d`{$H$ _`w Xmdo
(bm^ am{e H$amoS> ` _|)
OrdZ ~r_mH$Vm Ad{Y Ho$ ma^ _| gy{MV/ XO Hw$b Xmdo ^wJVmZ {H$`o {ZamH$V / {V{b{IV Ad{Y Ho$ AV b{~V Xmdm| H$m {dco{fV {ddaU-Ad{Y dma
b{~V Xmdo {H$`o J`o Xmdo J`o Xmdo AdrH$V Xmdo Xmdo _| b{~V Xmdo (nm{b{g`m)
nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s 3 _hrZo 3- 6 6-1 1 df Hw$b
H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e _hrZo df
EBJmZ bmB\$ 1 0.10 532 42.54 533 42.64 508 40.15 20 1.12 0 0.00 5 1.37 5 0 0 0 5
100% 100% 95.31% 94.16% 3.75% 2.63% - - 0.94% 3.21% 100.00% 100%
Adrdm 9 2.07 1522 138.54 1531 140.60 1255 101.39 266 36.02 0.00 0.00 10 3.20 10 0 0 0 10
100% 100% 81.97% 72.11% 17.37% 25.62% - - 0.65% 2.27% 100.00% 100%
~OmO Abm`O 624 36.36 17343 404.30 17967 440.67 16404 352.46 1140 56.47 0.00 0.00 423 31.73 377 46 0 0 423
100% 100% 91.30% 79.98% 6.34% 12.82% - - 2.35% 7.20% 89.13% 10.87% 100%
^maVr Agm 32 3.29 1229 68.70 1261 71.99 1009 50.79 166 13.66 0.00 0.00 86 7.55 68 18 0 0 86
100% 100% 80.02% 70.55% 13.16% 18.97% - - 6.82% 10.48% 79.07% 20.93% 100%
{~S>bm gZbmB\$ 142 17.72 7062 259.79 7204 277.51 6372 215.97 566 37.40 0.00 0.00 266 24.14 225 10 5 26 266
100% 100% 88.45% 77.82% 7.86% 13.48% - - 3.69% 8.70% 84.59% 3.76% 1.88% 9.77% 100%
Ho$Zam EMEg~rgr 18 2.38 553 30.51 571 32.89 531 30.05 36 2.25 0.00 0.00 4 0.59 1 0 1 2 4
100% 100% 92.99% 91.37% 6.30% 6.83% - - 0.70% 1.80% 25.00% 25.00% 50.00% 100%
dm{fH$ [anmoQ>

133
S>rEME\$Eb m_o[aH$m 55 2.41 495 16.45 550 18.87 460 13.80 74 4.29 3.00 0.05 13 0.73 13 0 0 0 13
100% 100% 83.64% 73.14% 13.45% 22.72% 0.55% 0.25% 2.36% 3.89% 100.00% 100%
2015-16

ESo>bdoBg Q>mo{H$`mo 6 1.03 135 15.31 141 16.34 120 14.13 18 2.13 0 0.00 3 0.08 3 0 0 0 3
100% 100% 85.11% 86.47% 12.77% 13.04% - - 2.13% 0.49% 100.00% 100%
EgmBS> bmB\$ 48 4.15 3185 76.60 3233 80.75 2889 51.69 327 27.96 0 0.00 17 1.11 17 0 0 0 17
100% 100% 89.36% 64.01% 10.11% 34.62% - - 0.53% 1.37% 100.00% 100%
`yMa OZambr 38 1.75 1492 30.47 1530 32.22 1381 25.93 132 5.50 0.00 0.00 17 0.79 14 1 2 0 17
100% 100% 90.26% 80.48% 8.63% 17.07% - - 1.11% 2.45% 82.35% 5.88% 11.76% 100%
EMS>rE\$gr Q>S>S> 275 53.55 12155 378.96 12430 432.51 11811 300.19 540 105.07 0.00 0.00 79 27.25 72 7 0 0 79
100% 100% 95.02% 69.41% 4.34% 24.29% - - 0.64% 6.30% 91.14% 8.86% 100%
AmBgrAmBgrAmB wSo>pe`b 96 14.14 10938 446.43 11034 460.57 10615 405.63 386 46.70 0.00 0.00 33 8.24 32 0 0 1 33
100% 100% 96.20% 88.07% 3.50% 10.14% - - 0.30% 1.79% 96.97% 3.03% 100%
AmBS>r~rAmB \o$S>ab 44 3.56 1041 49.55 1085 53.11 920 43.39 145 8.40 0 0.00 20 1.32 19 0 0 1 20
100% 100% 84.79% 81.69% 13.36% 15.82% - - 1.84% 2.49% 95.00% 5.00% 100%
B{S>`m\$Q> 82 6.14 1809 59.60 1891 65.74 1359 41.35 482 20.75 0 0.00 50 3.64 44 6 0 0 50
100% 100% 71.87% 62.90% 25.49% 31.56% - - 2.64% 5.54% 88.00% 12.00% 100%
{Q>nUr: 1) W_ df r{_`_= {Z`{_V r{_`_ + EH$b r{_`_
2) Hw$b r{_`_= W_ df r{_`_+ ZdrH$aU r{_`_
 Omar.....{ddaU 6
df 2015-16 Ho$ {bE d`{$H$ _`w Xmdo
(bm^ am{e H$amoS> ` _|)
OrdZ ~r_mH$Vm Ad{Y Ho$ ma^ _| gy{MV/ XO Hw$b Xmdo ^wJVmZ {H$`o {ZamH$V / {V{b{IV Ad{Y Ho$ AV b{~V Xmdm| H$m {dco{fV {ddaU-Ad{Y dma
b{~V Xmdo {H$`o J`o Xmdo J`o Xmdo AdrH$V Xmdo Xmdo _| b{~V Xmdo (nm{b{g`m)
nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s nm{b{g`m| bm^ H$s 3 _hrZo 3- 6 6-1 1 df Hw$b
H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e _hrZo df
H$moQ>H$ _{hm 87 8.19 2680 103.86 2767 112.05 2465 93.65 210 11.00 0.00 0.00 92 7.40 21 12 14 45 92
AmoS> `wMwAb 100% 100% 89.09% 83.58% 7.59% 9.82% - - 3.32% 6.60% 22.83% 13.04% 15.22% 48.91% 100%

_g bmB\$ 6 2.09 9169 278.97 9175 281.07 8895 261.91 276 16.94 0.00 0.00 4 2.21 4 0 0 0 4
100% 100% 96.95% 93.19% 3..01% 6.03% - - 0.04% 0.79% 100.00% 100%

nrEZ~r _oQ> bmB\$ 37 6.74 3057 163.41 3094 170.14 2641 125.42 427 40.93 0 0.00 26 3.80 23 3 0 0 26
100% 100% 85.36% 73.71% 13.80% 24.06% - - 0.84% 2.23% 88.46% 11.54% 100%

[abm`g bmB\$ 1050 32.84 13568 234.11 14618 266.96 13714 220.42 721 35.76 0 0.00 183 10.77 163 7 4 9 183
100% 100% 93.82% 82.57% 4.93% 13.40% - - 1.25% 4.03% 89.07% 3.83% 2.19% 4.92% 100%

ghmam 28 0.29 766 7.41 794 7.70 717 6.95 52 0.45 0 0.00 25 0.29 24 1 0 0 25
100% 100% 90.30% 90.35% 6.55% 5.85% - - 3.15% 3.79% 96.00% 4.00% 100%
dm{fH$ [anmoQ>

134
Eg~rAmB bmB\$ 470 31.40 15632 437.71 16102 469.10 15037 389.58 767 38.45 0 0.00 298 41.06 120 24 44 110 298
100% 100% 93.39% 83.05% 4.76% 8.20% - - 1.85% 8.75% 40.27% 8.05% 14.77% 36.91% 100%
2015-16

lram_ 220 11.48 2290 75.86 2510 87.35 1512 42.05 726 33.22 0.00 0.00 272 12.07 232 26 5 9 272
100% 100% 60.24% 48.15% 28.92% 38.04% - - 10.84% 13.82% 85.29% 9.56% 1.84% 3.31% 100%

Q>ma `y{Z`Z 4 0.33 1361 47.87 1365 48.20 1102 32.48 72 3.54 0.00 0.00 191 12.18 127 55 7 2 191
100% 100% 80.73% 67.39% 5.27% 7.34% - - 13.99% 25.28% 66.49% 28.80% 3.66% 1.05% 100%

Q>mQ>m EAmBE 37 2.45 3274 89.96 3311 92.41 3205 87.09 106 5.32 0.00 0.00 0 0 0 0 0 0 0
100% 100% 96.80% 94.24% 3.20% 5.76% - - - - 0%

{ZOr Hw$b 3409 244.46 111288 3456.93 114697 3701.39 104922 2946.49 7655 553.33 3 0.05 2117 201.52 1614 216 82 205 2117
100% 100% 91.48% 79.60% 6.67% 14.95% 0.00% 0.00% 1.85% 5.44% 76.24% 10.20% 3.87% 9.68% 100%

EbAmBgr 3652 207.63 758331 9929.46 761983 10137.09 749249 9690.17 7502 183.18 1318 21.03 3914 243 693 796 1441 984 3914
100% 100% 98.33% 95.59% 0.98% 1.81% 0.17% 0.21% 0.51% 2.39% 17.71% 20.34% 36.82% 25.14% 100%

CmoJ Hw$b 7061 452.09 869619 13386.39 876680 13838.48 854171 12636.66 15157 736.51 1321 21.08 6031 444.23 2307 1012 1523 1189 6031
100% 100% 97.43% 91.32% 1.73% 5.32% 0.15% 0.15% 0.69% 3.21% 38.25% 16.78% 25.25% 19.71% 100%
{Q>nUr: 1) `oH$ ~r_mH$Vm Ho$ g_j nhbr n{$ g_J AmH$So> XemVr h O~{H$ Xygar n{$ g~{YV Hw$b Xmdm| H$m {VeV XemVr h&
 {ddaU 7
df 2015-16 Ho$ {bE gm_y{hH$ _`w Xmdo
(bm^ H$s am{e H$amoS> ` _|)
OrdZ ~r_mH$Vm Ad{Y Ho$ ma^ _| gy{MV / XO Hw$b Xmdo ^wJVmZ {H$`o {ZamH$V / {V{b{IV Ad{Y Ho$ AV _| b{~V Xmdm| H$m {dco{fV {ddaU
b{~V Xmdo {H$`o J`o Xmdo J`o Xmdo AdrH$V Xmdo Xmdo b{~V Xmdo Ad{Y-dma (OrdZ)
OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s 3 3- 6 6-1 1 Hw$b
H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e _hrZo _hrZo df df
EBJmZ bmB\$ 0 0.00 1 0.09 1 0.09 1 0.09 0 0.00 0 0.00 0 0 0 0 0 0 0
100% 100% 100.00% 100.00% - - - - - - 0%
Adrdm 0 0.00 2075 10.85 2075 10.85 2068 10.76 7 0.09 0.00 0.00 0 0 0 0 0 0 0
100% 100% 99.66% 99.16% 0.34% 0.84% - - - 0.00% 0%
~OmO Abm`O 323 9.16 150211 509.14 150534 518.30 148840 486.44 1595 23.22 0.00 0.00 99 8.64 96 3 0 0 99
100% 100% 98.87% 93.85% 1.06% 4.48% - - 0.07% 1.67% 96.97% 3.03% 100%
^maVr Agm 0 0.00 209 15.48 209 15.48 175 12.45 28 2.32 0.00 0.00 6 0.71 6 0 0 0 6
100% 100% 83.73% 80.41% 13.40% 15.01% - - 2.87% 4.58% 100.00% 100%
{~S>bm gZbmB\$ 0 0.00 2312 113.29 2312 113.29 2309 112.97 3 0.33 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 99.87% 99.71% 0.13% 0.29% - - - 0.00% 0%
Ho$Zam EMEg~rgr 1 0.00 540 5.35 541 5.35 525 4.33 15 0.72 0.00 0.00 1 0.30 1 0 0 0 1
100% 100% 97.04% 80.99% 2.77% 13.47% - - 0.18% 5.54% 100.00% 100%
dm{fH$ [anmoQ>

135
S>rEME\$Eb m_o[aH$m 432 2.25 15525 58.73 15957 60.98 15733 53.29 176 4.60 0.00 0.00 48 3.09 47 1 0 0 48
100% 100% 98.60% 87.39% 1.10% 7.54% - - 0.30% 5.07% 97.92% 2.08% 100%
ESo>bdoBg Q>mo{H$`mo 8 0.18 1264 10.74 1272 10.92 1269 10.90 0 0.00 0 0.00 3 0.02 3 0 0 0 3
2015-16

100% 100% 99.76% 99.85% - - - - 0.24% 0.15% 100.00% 100%

EgmBS> bmB\$ 0 0.00 698 23.68 698 23.68 697 23.61 1 0.08 0 0.00 0 0.00 0 0 0 0 0
100% 100% 99.86% 99.68% 0.14% 0.32% - - - 0.00% 0%
`yMa OZambr 12435 18.12 191 29.23 12626 47.34 198 24.69 0 0.00 0.00 0.00 12428 22.65 10 3 1 12414 12428
100% 100% 1.57% 52.16% - - - - 98.43% 47.84% 0.08% 0.02% 0.01% 99.89% 100%
EMS>rE\$gr Q>S>S> 0 0.00 13814 115.22 13814 115.22 13742 106.33 72 8.89 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 99.48% 92.28% 0.52% 7.72% - - - 0.00% 0%
AmBgrAmBgrAmB 8 1.96 1876 81.09 1884 83.05 1876 81.12 -3 -0.41 0.00 0.00 11 2.34 6 0 0 5 11
wSo>pe`b 100% 100% 99.58% 97.68% -0.16% -0.49% - - 0.58% 2.81% 54.55% 45.45% 100%
AmBS>r~rAmB \o$S>ab 1 0.13 1755 19.06 1756 19.19 1753 18.43 3 0.30 0 0.00 0 0.46 0 0 0 0 0
100% 100% 99.83% 96.04% 0.17% 1.55% - - - 2.41% 0%
B{S>`m\$Q> 28 1.10 6486 117.30 6514 118.40 6197 108.91 288 8.10 0 0.00 29 1.39 24 1 0 4 29
100% 100% 95.13% 91.98% 4.42% 6.84% - - 0.45% 1.18% 82.76% 3.45% 13.79% 100%
{Q>nUr: 1) `oH$ ~r_mH$Vm Ho$ g_j nhbr n{$ g_J AmH$So> XemVr h O~{H$ Xygar n{$ g~{YV Hw$b Xmdm| H$m {VeV XemVr h&
 Omar.....{ddaU 7
df 2015-16 Ho$ {bE gm_y{hH$ _`w Xmdo
(bm^ H$s am{e H$amoS> ` _|)
OrdZ ~r_mH$Vm Ad{Y Ho$ ma^ _| gy{MV / XO Hw$b Xmdo ^wJVmZ {H$`o {ZamH$V / {V{b{IV Ad{Y Ho$ AV _| b{~V Xmdm| H$m {dco{fV {ddaU
b{~V Xmdo {H$`o J`o Xmdo J`o Xmdo AdrH$V Xmdo Xmdo b{~V Xmdo Ad{Y-dma (OrdZ)
OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s OrdZm| bm^ H$s 3 3- 6 6-1 1 Hw$b
H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e H$s g. am{e _hrZo _hrZo df df
H$moQ>H$ _{hm 44 3.10 34728 282.73 34772 285.83 34501 272.03 204 9.12 0.00 0.00 67 4.69 11 10 24 22 67
AmoS> `wMwAb 100% 100% 99.22% 95.17% 0.59% 3.19% - - 0.19% 1.64% 16.42% 14.93% 35.82% 32.84% 100%

_g bmB\$ 1 0.53 3702 47.84 3703 48.36 3688 46.40 15 1.96 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 99.59% 95.95% 0.41% 4.05% - - - 0.00% 0%

nrEZ~r _oQ> bmB\$ 4 0.22 1923 132.93 1927 133.15 1915 132.26 11 0.48 0 0.00 1 0.41 1 0 0 0 1
100% 100% 99.38% 99.33% 0.57% 0.36% - - 0.05% 0.31% 100.00% 100%

[abm`g bmB\$ 3 0.06 6386 51.41 6389 51.47 6354 50.26 19 0.73 0 0.00 16 0.48 14 1 1 16
100% 100% 99.45% 97.65% 0.30% 1.41% - - 0.25% 0.94% 87.50% 6.25% 6.25% 100%

ghmam 0 0.00 69 0.07 69 0.07 67 0.07 0 0.00 0 0.00 2 0.00 2 0 0 0 2

100% 100% 97.10% 97.10% - - - - 2.90% 2.90% 100.00% 100%
dm{fH$ [anmoQ>

136
Eg~rAmB bmB\$ 179 8.46 19753 525.66 19932 534.12 19523 510.08 273 16.69 0 0.00 136 7.35 76 19 8 33 136
100% 100% 97.95% 95.50% 1.37% 3.12% - - 0.68% 1.38% 55.88% 13.97% 5.88% 24.26% 100%
2015-16

lram_ 0 0.00 14589 96.20 14589 96.20 14575 95.77 14 0.43 0.00 0.00 0 0.00 0
100% 100% 99.90% 99.56% 0.10% 0.44% - - - 0.00% 0%

Q>ma `y{Z`Z 0 0.19 5081 88.42 5081 88.61 4740 80.29 32 1.64 0.00 0.00 309 6.68 242 53 14 0 309
100% 100% 93.29% 90.61% 0.63% 1.85% - 0.00% 6.08% 7.54% 78.32% 17.15% 4.53% 100%

Q>mQ>m EAmBE 36 1.92 1142 61.76 1178 63.69 1147 61.51 31 2.17 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 97.37% 96.59% 2.63% 3.40% - - - 0.01% 0%

{ZOr Hw$b 13503 47.38 284330 2396.28 297833 2443.66 281893 2303.00 2784 81.44 0 0.00 13156 59.22 539 91 47 12479 13156
100% 100% 94.65% 94.24% 0.93% 3.33% - 0.00% 4.42% 2.42% 4.10% 0.69% 0.36% 94.85% 100%

EbAmBgr 885 7.31 246619 2495.62 247504 2502.93 246745 2494.03 101 0.50 0 0.00 658 8.40 120 47 70 421 658
100% 100% 99.69% 99.64% 0.04% 0.02% - - 0.27% 0.34% 18.24% 7.14% 10.64% 63.98% 100%

CmoJ Hw$b 14388 54.69 530949 4891.90 545337 4946.59 528638 4797.03 2885 81.94 0 0.00 13814 67.62 659 138 117 12900 13814
100% 100% 96.94% 96.98% 0.53% 1.66% - 0.00% 2.53% 1.37% 4.77% 1.00% 0.85% 93.38% 100%
{Q>nUr: 1) `oH$ ~r_mH$Vm Ho$ g_j nhbr n{$ g_J AmH$So> XemVr h O~{H$ Xygar n{$ g~{YV Hw$b Xmdm| H$m {VeV XemVr h&
 {ddaU 8
OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AYrZ AmpV`m
(` H$amoS>)
~r_mH$Vm OrdZ {Z{Y
Ho$ gaH$ma am` gaH$ma Ama Amdmg Ama ~w{Z`mXr AZw_mo{XV A` Hw$b
{V^y{V`m A` AZw_mo{XV {V^y{V`m gaMZmJV {Zdoe {Zdoe {Zdoe (OrdZ {Z{Y)
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
EBJmZ ao{bJoa 469.94 317.64 7.44 4.68 192.78 109.97 74.34 64.87 1.01 35.94 745.51 533.10
Adrdm 2367.60 1856.75 138.99 139.02 798.23 596.10 254.54 246.97 0.00 0.01 3559.36 2838.85
~OmO Abm`O 11331.19 9881.46 1117.83 1427.01 3722.47 3200.89 3635.21 2901.38 247.78 136.11 20054.48 17546.85
^maVr Agm 458.78 278.25 231.50 186.45 265.84 149.64 359.70 250.88 71.18 32.59 1387.00 897.81
{~S>bm gZbmB\$ 2615.63 1995.60 77.95 77.96 1195.58 1079.14 586.14 552.11 480.18 103.36 4955.48 3808.17
Ho$Zam EMEg~rgr 1005.68 833.20 31.51 31.35 618.06 395.34 93.42 70.36 109.80 72.47 1858.47 1402.72
S>rEME\$Eb m_o[aH$m 688.97 576.39 57.99 20.27 379.39 302.81 149.77 120.27 6.44 3.33 1282.56 1023.08
ESo>bdoBg Q>mo{H$`mo 287.22 168.86 0.00 0.00 298.08 74.19 556.02 404.92 108.59 20.33 1249.91 668.30
EgmBS> bmB\$ 3527.82 2576.99 177.78 165.87 1166.29 1180.56 849.86 766.16 121.40 92.88 5843.15 4782.46
`yMa OZambr 671.07 557.79 165.53 195.47 295.95 378.92 384.83 327.09 19.46 2.33 1536.84 1461.60
dm{fH$ [anmoQ>

137
EMS>rE\$gr Q>S>S> 10596.93 8067.26 474.75 292.74 3711.23 3513.82 5308.53 4159.49 1009.63 279.76 21101.07 16313.07
AmBgrAmBgrAmB wSo>pe`b 12585.83 10431.94 1176.79 527.10 4145.91 3500.40 4779.58 4590.95 492.53 186.52 23180.64 19236.91
AmBS>r~rAmB \o$S>ab 1342.37 1069.31 227.58 151.00 593.71 575.95 637.84 466.51 12.48 0.00 2813.98 2262.76
2015-16

B{S>`m\$Q> 440.80 323.25 86.99 61.41 212.48 132.44 191.77 143.12 8.73 1.25 940.77 661.47
H$moQ>H$ _{hm 4341.62 2927.05 69.39 192.40 1049.43 865.47 979.10 860.33 259.00 171.12 6698.54 5016.37
_g bmB\$ 13521.13 10230.86 1350.40 1289.68 3468.72 2832.14 3474.23 2544.62 126.85 92.68 21941.33 16989.97
nrEZ~r _oQ>bmB\$ 3725.39 3424.25 210.71 154.09 1520.00 1285.19 1166.58 346.39 0.00 0.00 6622.68 5209.91
[abm`g 4210.02 2476.41 431.02 827.34 1846.97 1512.09 1366.35 1038.34 163.77 144.69 8018.13 5998.86
ghmam 318.76 289.99 202.72 188.71 300.87 244.14 92.59 96.96 36.01 31.21 950.95 851.01
Eg~rAmB bmB\$ 11741.14 9123.22 777.26 889.25 4203.34 3365.59 4847.37 3449.26 879.66 182.93 22448.77 17010.24
lram_ bmB\$ 384.17 423.66 247.49 118.40 224.89 203.20 371.04 241.70 178.78 107.20 1406.37 1094.16
Q>ma `y{Z`Z XmB-BMr 884.62 685.29 86.30 86.35 291.30 244.20 380.07 170.72 17.61 1.64 1659.90 1188.20
Q>mQ>m EAmBE 6431.51 5878.60 343.94 325.94 2009.89 1702.44 1395.95 770.83 0.00 6.55 10181.29 8684.36
{ZOr Hw$b 93948.19 74394.02 7691.86 7352.49 32511.41 27444.61 31934.83 24584.24 4350.89 1704.90 170437.18 135480.26
EbAmBgr 602617.50 548898.83 369746.35 321376.39 153600.13 147066.38 372257.61 317999.04 28794.17 24488.24 1527015.76 1359828.88
CmoJ Hw$b 696565.69 623292.85 377438.21 328728.88 186111.54 174510.99 404192.44 342583.28 33145.06 26193.14 1697452.94 1495309.14
 Omar... {ddaU 8
OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AYrZ AmpV`m
(` H$amoS>)
~r_mH$Vm n|eZ Ama gm_m` dm{fH$s Ama gm_y{hH$ {Z{Y
Ho$ gaH$ma- am` gaH$ma Ama A` AZw_mo{XV {Zdoe Hw$b (n|eZ VWm gm_m`
{V^y{V`m AZw_mo{XV {V^y{V`m dm{fH$s Ama gm_y{hH$ {Z{Y)
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
EBJmZ ao{bJoa 3.80 3.74 0.35 0.35 1.14 0.23 5.29 4.32
Adrdm 191.42 352.33 1.02 1.02 195.58 312.65 388.02 666.01
~OmO Abm`O 1501.96 1383.15 595.84 336.22 2511.24 2246.41 4609.04 3965.78
^maVr Agm 56.84 48.98 54.18 18.77 153.34 87.82 264.36 155.57
{~S>bm gZbmB\$ 953.87 728.60 98.91 85.25 1406.41 1027.61 2459.19 1841.46
Ho$Zam EMEg~rgr 378.82 243.69 93.33 83.40 610.22 433.57 1082.37 760.66
S>rEME\$Eb m_o[aH$m 259.80 128.78 5.02 5.02 257.23 134.48 522.05 268.28
ESo>bdoBg m_o[aH$m 18.59 14.83 0.00 0.00 14.98 7.38 33.57 22.21
EgmBS> bmB\$ 664.17 573.28 99.08 103.65 687.53 681.59 1450.78 1358.52
`yMa OZambr 105.95 101.21 96.08 52.83 231.15 159.75 433.18 313.79
dm{fH$ [anmoQ>

138
EMS>rE\$gr Q>S>S> 2711.60 1794.90 624.51 599.15 4084.92 3374.96 7421.03 5769.01
AmBgrAmBgrAmB wSo>pe`b 2209.97 2138.75 166.19 257.57 937.89 1465.21 3314.05 3861.53
2015-16

AmBS>r~rAmB \o$S>ab 79.70 56.25 84.28 53.58 134.37 131.10 298.35 240.93
B{S>`m\$Q> 1976.01 1445.47 574.60 544.17 2158.30 1751.33 4708.91 3740.97
H$moQ>H$ _{hm 229.48 171.18 75.25 42.30 222.16 140.96 526.89 354.44
_g bmB\$ 418.13 323.86 70.25 56.99 221.49 190.22 709.87 571.07
nrEZ~r _oQ>bmB\$ 78.10 130.83 0.97 5.99 91.32 85.86 170.39 222.68
[abm`g 154.00 305.6002 73.96 165.82 193.98 569.74 421.94 1041.15
ghmam 2.58 2.68 0.00 0.00 0.28 0.43 2.86 3.11
Eg~rAmB bmB\$ 9288.70 7689.10 2611.23 2337.14 9085.13 8927.19 20985.06 18953.43
lram_ bmB\$ 71.79 68.72 36.74 13.11 161.98 110.36 270.51 192.19
Q>ma `y{Z`Z XmB-BMr 372.47 282.34 137.29 115.99 370.47 375.64 880.23 773.97
Q>mQ>m EAmBE 295.94 262.92 23.84 36.9600 261.72 279.05 581.50 578.93
{ZOr Hw$b 22023.69 18251.19 5522.92 4915.27 23992.83 22493.55 51539.44 45660.00
EbAmBgr 112460.06 81411.04 145244.51 96910.06 154959.34 165491.47 412663.91 343812.57
CmoJ Hw$b 134483.75 99662.23 150767.43 101825.33 178952.17 187985.02 464203.35 389472.57
 Omar... {ddaU 8
OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AYrZ AmpV`m
(` H$amoS>)
~r_mH$Vm `y{ZQ> gh~ {Z{Y
AZw_mo{XV {Zdoe A` {Zdoe Hw$b (`y{bn {Z{Y`m) Hw$b (g^r {Z{Y`m)
31.03.2016 31.3.2015 31.03.2016 31.3.2015 31.03.2016 31.3.2015 31.03.2016 31.3.2015
EBJmZ ao{bJoa 993.02 1129.02 41.12 46.28 1034.14 1175.31 1784.94 1712.73
Adrdm 4768.04 5536.92 36.61 80.94 4804.65 5617.85 8752.03 9122.71
~OmO Abm`O 18430.99 20429.20 790.47 1215.84 19221.46 21645.04 43884.98 43157.67
^maVr Agm 1321.22 1741.65 104.00 167.20 1425.22 1908.85 3076.58 2962.23
{~S>bm gZbmB\$ 22044.12 23348.63 1284.15 1046.77 23328.27 24395.40 30742.94 30045.03
Ho$Zam EMEg~rgr 6375.65 7239.68 469.16 380.33 6844.81 7620.01 9785.65 9783.39
S>rEME\$Eb m_o[aH$m 220.71 249.54 2.48 1.91 223.19 251.44 2027.80 1542.80
ESo>bdoBg Q>mo{H$`mo 104.45 54.69 9.62 4.92 114.07 59.61 1397.55 750.13
EgmBS> bmB\$ 2010.05 2310.07 142.01 158.71 2152.06 2468.78 9445.99 8609.76
`yMa OZambr 661.56 865.71 30.47 12.84 692.03 878.55 2662.05 2653.94
dm{fH$ [anmoQ>

139
EMS>rE\$gr Q>S>S> 44037.25 43332.60 1689.76 1587.72 45727.01 44920.32 74249.11 67002.40
AmBgrAmBgrAmB wSo>pe`b 73655.26 73437.94 1640.52 1339.59 75295.78 74777.54 101790.47 97875.98
AmBS>r~rAmB \o$S>ab 1614.90 1743.13 11.24 13.42 1626.14 1756.55 4738.47 4260.24
2015-16

B{S>`m \$Q> 3227.69 3490.13 19.68 105.36 3247.37 3595.49 8897.05 7997.93
H$mo 8998.39 9048.67 552.86 631.44 9551.25 9680.11 16776.68 15050.92
H$moQ>H$ _{hm 12451.46 12742.31 702.33 657.26 13153.79 13399.57 35804.99 30960.61
nrEZ~r _oQ>bmB\$ 6594.22 7273.07 88.11 30.54 6682.33 7303.62 13475.40 12736.20
[abm`g 7055.17 8293.98 440.50 493.77 7495.67 8787.75 15935.74 15827.76
ghmam 188.08 267.99 0.59 3.54 188.67 271.53 1142.48 1125.65
Eg~rAmB bmB\$ 34227.88 33994.08 1794.01 815.99 36021.89 34810.07 79455.72 70773.75
lram_ bmB\$ 818.72 1027.09 43.80 36.59 862.52 1063.68 2539.40 2350.03
Q>ma `y{Z`Z XmB-BMr 2989.91 3389.13 65.61 33.49 3055.52 3422.62 5595.65 5384.79
Q>mQ>m EAmBE 7961.07 10021.27 263.83 238.42 8224.90 10259.69 18987.69 19522.98
{ZOr Hw$b 260749.81 270966.49 10222.93 9102.88 270972.74 280069.37 492949.36 461209.63
EbAmBgr 68224.31 81404.95 1214.95 1266.15 69439.26 82671.10 2009118.93 1786312.55
CmoJ Hw$b 328974.12 352371.44 11437.88 10369.03 340412.00 362740.47 2502068.29 2247522.18
 dm{fH$ [anmoQ> 2015-16

{ddaU 9
OrdZ ~r_mH$VmAm| H$s B{$Q>r eo`a nyOr
(` H$amoS>)
~r_mH$Vm 31 _mM df Ho$ XmamZ 31 _mM {dXoer ^maVr` E\$S>rAmB
2015 H$mo n[adYZ 2016 H$mo dVH$ dVH$
EBJmZ bmB\$ 1310.50 48.94 1359.44 666.13 693.31 49.00%

Adrdm bmB\$ 2004.90 0.00 2004.90 521.27 1483.63 26.00%

~OmO Abm`O 150.70 0.00 150.70 39.18 111.52 26.00%

^maVr Agm 2115.70 170.50 2286.20 1120.24 1165.96 49.00%

{~S>bm gZbmB\$ 1901.21 0.00 1901.21 494.31 1406.90 26.00%

Ho$Zam EMEg~rgr 950.00 0.00 950.00 247.00 703.00 26.00%

S>rEME\$Eb m_o[aH$m 374.06 0.00 374.06 97.26 276.80 26.00%

ESo>bdoBg Q>mo{H$`mo 180.29 81.30 261.59 128.18 133.41 49.00%

EgmBS> bmB\$ 1750.00 0.00 1750.00 0.00 1750.00 0.00%

`yMa OZambr 1452.00 0.00 1452.00 370.26 1081.74 25.50%

EMS>rE\$gr Q>S>S> 1994.88 0.41 1995.29 518.67 1476.62 25.99%

AmBgrAmBgrAmB wSo>pe`b 1431.72 0.60 1432.32 370.78 1061.53 25.89%

AmBS>r~rAmB \o$S>ab 799.78 0.11 799.89 208.00 591.89 26.00%

B{S>`m\$Q> 475.00 150.00 625.00 162.50 462.50 26.00%

H$moQ>H$ _{hm 510.29 0.00 510.29 132.68 377.61 26.00%

_g bmB\$ 1918.81 0.00 1918.81 479.70 1439.11 25.00%

nrEZ~r _oQ>bmB\$ 2012.88 0.00 2012.88 523.35 1489.53 26.00%

[abm`g {ZnmoZ 1196.32 0.00 1196.32 586.20 610.12 49.00%

ghmam 232.00 0.00 232.00 0.00 232.00 0.00%

Eg~rAmB bmB\$ 1000.00 0.00 1000.00 260.00 740.00 26.00%

lram_ bmB\$ 175.00 0.05 175.05 0.00 175.05 0.00%

Q>ma `y{Z`Z XmB-BMr 250.00 0.00 250.00 65.00 185.00 26.00%

Q>mQ>m EAmBE 1953.50 0.00 1953.50 507.91 1445.59 26.00%

Hw$b ({ZOr jo) 26139.55 451.91 26591.46 7498.63 19092.83 28.20%

EbAmBgr 100.00 0.00 100.00 0.00 100.00 0.00%

Hw$b (OrdZ) 26239.55 451.91 26691.46 7498.63 19192.83 28.09%

140
 dm{fH$ [anmoQ> 2015-16

{ddaU 10
{dmr` df 2015-16 Ho$ XmamZ ^maV _| OrdZ ~r_mH$VmAm| H$m {V_mhr emoYj_Vm AZwnmV
H$_ g. OrdZ ~r_mH$Vm H$m Zm_ 30.06.2015 30.09.2015 31.12.2015 31.03.2016
1 EBJmZ bmB\$ B`moa|g H$. {b. 1.97 2.21 1.70 2.20
2 Adrdm bmB\$ B`moa|g H$. {b. 3.92 3.93 3.89 3.84
3 ~OmO Abm`O bmB\$ B`moa|g H$. {b. 7.87 8.09 7.97 7.93
4 ^maVr Agm bmB\$ B`moa|g H$. {b. 2.00 1.62 1.69 2.19
5 {~S>bm gZ bmB\$ B`moa|g H$. {b. 2.14 2.14 2.11 2.11
6 Ho$Zam EMEg~rgr Amo~rgr bmB\$ B`moa|g H$.{b. 3.53 3.84 4.04 4.11
7 S>rEME\$Eb m_o[aH$m bmB\$ B`moa|g H$. {b. 12.79 13.12 12.15 10.31
8 ESo>bdoBg Q>mo{H$`mo bmB\$ B`moa|g H$. {b. 2.27 2.58 2.42 2.64
9 EgmBS> bmB\$ B`moa|g H$nZr {b. 2.74 2.52 2.42 2.65
10 `yMa OZambr B{S>`m bmB\$ B`moa|g H$. {b. 2.73 2.58 2.35 2.03
11 EMS>rE\$gr Q>S>S> bmB\$ B`moa|g H$. {b. 2.08 2.04 1.95 1.98
12 AmBgrAmBgrAmB wSo>pe`b bmB\$ B`moa|g H$. {b. 3.40 3.28 3.20 3.20
13 AmBS>r~rAmB \o$S>ab bmB\$ B`moa|g H$. {b. 5.13 4.85 4.80 4.06
14 B{S>`m\$Q> bmB\$ B`moa|g H$. {b. 1.63 1.58 2.16 2.17
15 H$moQ>H$ _{hm AmoS> `wMwAb bmB\$ B`moa|g H$. {b. 3.21 3.16 3.20 3.11
16 ^maVr` OrdZ ~r_m {ZJ_ 1.52 1.56 1.55 1.55
17 _g bmB\$ B`moa|g H$. {b. 4.27 4.01 4.02 3.43
18 nrEZ~r _oQ>bmB\$ B{S>`m B`moa|g H$. {b. 2.18 2.18 2.18 2.11
19 [abm`g bmB\$ B`moa|g H$. {b. 3.65 3.68 3.62 3.04
20 ghmam B{S>`m bmB\$ B`moa|g H$. {b. 8.15 8.05 8.24 8.04
21 Eg~rAmB bmB\$ B`moa|g H$. {b. 2.10 2.15 2.16 2.12
22 lram_ bmB\$ B`moa|g H$. {b. 3.41 3.29 2.98 2.43
23 Q>ma `y{Z`Z XmB-BMr bmB\$ B`moa|g H$. {b. 1.71 1.77 1.89 1.86
24 Q>mQ>m EAmBE bmB\$ B`moa|g H$. {b. 3.62 3.61 3.53 3.48
moV: OrdZ ~r_mH$VmAm| H$s ~rEnr Vw{V`m

141
 {ddaU 11
Ja-OrdZ ~r_mH$VmAm| H$m gH$b `j r{_`_ (^maV Ho$ AXa Ama ~mha)
(` H$amoS>)
~r_mH$Vm 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
~OmO Abm`O -- 141.96 296.48 476.53 851.62 1272.29 1786.34 2379.92 2619.29 2482.33 2869.96 3286.62 4001.4 4516.44 5229.84 5832.15
^maVr Agm -- -- -- -- -- -- -- -- 28.50 310.82 553.90 884.00 1218.43 1423.15 1457.06 1274.41
Mmobm_S>b_ -- -- 14.79 97.05 169.25 220.18 311.73 522.34 685.44 784.85 967.99 1346.54 1620.89 1855.11 1890.43 2452.00
`yMa OZambr -- -- -- -- -- -- -- 9.81 186.49 376.61 600.16 919.76 1105.39 1262.55 1438.24 1555.26
EMS>rE\$gr EaJmo -- -- 9.49 112.95 175.63 200.94 194.00 220.60 339.21 915.40 1279.91 1839.46 2453.2 2906.98 3182.2 3379.55
AmBgrAmBgrAmB bmo~mS> -- 28.13 211.66 486.73 873.86 1582.86 2989.07 3307.12 3402.04 3295.06 4251.87 5150.14 6133.99 6856.16 6677.79 8090.71
BH$mo Q>mo{H$`mo 5.83 70.51 213.33 322.24 496.64 892.72 1144.47 1128.15 1374.06 1457.84 1783.18 1975.24 2565.03 2930.92 3329.96 3691.33
H$moQ>H$ _{hm - - - - - - - - - - - - 3.71
Eb ES> Q>r -- -- -- -- -- -- -- -- -- -- 17.24 143.40 182.07 253.78 331.71 473.39
ahoOm `y~rB -- -- -- -- -- -- -- -- -- 1.32 4.90 14.79 21.3 23.23 21.62 28.76
[abm`g 1.07 77.46 185.68 161.06 161.68 162.33 912.23 1946.42 1914.88 1979.65 1655.43 1712.55 2010.01 2388.82 2715.83 2791.56
am`b gwXa_ 0.24 71.13 184.44 257.76 330.70 458.64 598.20 694.41 803.36 913.11 1143.99 1479.79 1560 1437.04 1569.2 1694.12
Eg~rAmB -- -- -- -- -- -- -- -- -- -- 43.02 250.14 770.85 1187.57 1576.9 2039.85
lram_ -- -- -- -- -- -- -- -- 113.76 416.93 780.89 1266.44 1541.38 1510.59 1496.51 1712.27
Q>mQ>m EAmBOr -- 78.46 233.93 343.52 448.24 572.70 710.55 782.64 823.92 853.80 1173.09 1641.57 2135.08 2362.71 2714.13 2958.56
`y{Zdgb gmonmo -- -- -- -- -- -- -- 0.48 30.14 189.28 299.10 404.58 534.35 540.44 701.1 903.79
_J_m EMS>rAmB 0.00 95.14 424.93 473.59 403.94
{b~Q>u dr{S>`moH$mZ 0.00 2.19 129.81 283.85 408.72
{ZOr jo 7.14 467.65 1349.80 2257.83 3507.62 5362.66 8646.57 10991.89 12321.09 13977.00 17424.63 22315.03 27950.70 32010.30 35089.96 39694.07
dm{fH$ [anmoQ>

(6453.98) (188.64) (67.27) (55.35) (52.89) (61.24) (27.12) (12.09) (13.44) (24.67) (28.07) (25.26) (14.52) (9.59) (13.12)

142
ZoeZb 2227.73 2439.41 2869.87 3399.97 3810.65 3536.34 3827.12 4021.97 4295.85 4645.99 6245.17 7815.69 9194.6122 10260.96 11282.62 12018.98
`y B{S>`m 3493.05 4198.06 4812.79 4921.47 5103.16 5675.54 5936.78 6151.97 6455.79 7099.14 8225.51 10073.88 11873.4881 13727.6 15480.35 17763.31
Amo[a`Q>b 2247.10 2498.64 2868.15 2899.74 3090.55 3609.77 4020.78 3900.22 4077.89 4854.67 5569.88 6194.60 6737.6574 7282.53 7561.92 8611.59
2015-16

`wZmBQo>S> 2524.00 2781.48 2969.63 3063.47 2944.46 3154.78 3498.77 3739.56 4277.77 5239.05 6376.66 8179.29 9266.0376 9708.93 10691.73 12250.36
gaH$mar jo 10491.88 11917.59 13520.44 14284.65 14948.82 15976.44 17283.45 17813.71 19107.31 21838.85 26417.21 32263.46 37071.7953 40980.06 45016.62 50644.24
-- (13.59) (13.45) (5.65) (4.65) (6.87) (8.18) (3.07) (7.26) (14.30) (20.96) (22.13) (14.90) (10.54) (9.85) (12.50)
gaH$mar Ama {ZOr Hw$b 10499.02 12385.24 14870.25 16542.49 18456.45 21339.10 25930.02 28805.60 31428.40 35815.85 43841.84 54578.49 65022.4953 72990.36 80106.58 90338.31
-- (17.97) (20.06) (11.25) (11.57) (15.62) (21.51) (11.09) (9.11) (13.96) (22.41) (24.49) (19.14) (12.12) (9.74) (12.77)
EAmBgr -- -- -- 369.21 549.72 555.83 564.67 835.11 833.44 1520.40 1950.05 2576.85 3297.42 3395.00 2739.69 3521.22
BgrOrgr -- 338.52 374.78 445.48 515.55 577.33 617.66 668.37 744.68 813.00 885.47 1004.83 1157.25 1303.72 1362.39 1320.73
{deofrH$V ~r_mH$Vm 0.00 338.52 374.78 814.70 1065.26 1133.17 1182.33 1503.47 1578.12 2333.39 2835.52 3581.68 4454.67 4698.72 4102.08 4841.95
-- -- (10.71) (117.38) (30.76) (6.37) (4.34) (27.16) (4.96) (47.86) (21.52) (26.31) (24.37) (5.48) (-12.7) (18.04)
Anmobmo `y{ZI -- -- -- -- -- -- -- 2.97 48.14 114.66 282.69 475.64 619.99 692.47 803.12 1022.18
{gJZm Q>rQ>rHo$ 0.33 21.82 143.82
_g ~ynm -- -- -- -- -- -- -- -- -- 0.13 25.53 99.08 207.22 308.85 372.65 476.01
ao{bJoa hoW -- -- -- -- -- -- -- -- -- -- -- -- 38.79 152.30 275.80 503.32
Q>ma hoW -- -- -- -- -- -- 22.51 168.19 509.86 961.65 1227.55 1085.06 860.21 1091.07 1469.19 2007.34
Q>S>AbmoZ dm` ~r_mH$Vm 0.00 0.00 0.00 0.00 0.00 0.00 22.51 171.16 558.01 1076.44 1535.77 1659.78 1726.21 2245.02 2942.58 4152.67
-- -- -- -- -- -- 660.34 226.02 92.91 42.67 8.08 4.00 30.05 31.07 41.12
-- -- -- -- -- -- (0) (660.34) (226.02) (92.91) (42.67) (8.08) (4) (30.05) (31.07) (41.12)
Hw$b `moJ 10499.02 12723.76 15245.02 17357.18 19521.71 22472.27 27134.86 30480.23 33564.52 39225.68 48213.12 59819.96 71203.38 79934.14 87151.24 99332.93
(0) (21.19) (19.82) (13.85) (12.47) (15.11) (20.75) (12.33) (10.12) (16.87) (22.91) (24.07) (19.03) (12.26) (9.03) (13.98)
{Q>nUr: H$mo>H$ _| AmH$So> {VeV _| {nN>bo df H$s VwbZm _| d{ XemVo h&
-- {Z${nV H$aVm h {H$ `dgm` ma^ Zht {H$`m J`m h&
 {ddaU 12
Ja-OrdZ ~r_mH$VmAm| H$s IS>-dma gH$b `j r{_`_ Am` (^maV Ho$ AXa)
(` bmI)
~r_mH$Vm/ IS> \$m`a _arZ _moQ>a dm` A` Hw$b
2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16
{ZOr ~r_mH$Vm
~OmO Abm`O 43098 47627 12308 14154 291838 327729 79751 94225 95991 99481 522985 583215
^maVr Agm 7793 6236 3206 2592 109352 101991 17623 9937 7732 6686 145707 127442
Mmobm_S>b_ 12434 20468 6413 7571 127909 166761 23797 31136 18490 19264 189043 245200
`yMa OZambr 13312 16200 5779 6114 82810 92785 18930 20405 22994 20023 143825 155526
EMS>rE\$gr EaJmo 37469 42171 10669 10440 105165 117430 94285 109288 70633 58625 318221 337955
AmBgrAmBgrAmB bmo~mS> 54474 63270 24643 29980 341581 414981 155049 166284 92033 134555 667780 809071
BH$mo Q>mo{H$`mo 23240 26595 11394 11673 214197 240714 39039 48178 45127 41973 332997 369133
H$moQ>H$ _{hm - 0 - 0 - 362 - 9 - 0 - 371
Eb ES> Q>r 4181 6009 946 1448 20486 30194 4856 6837 2702 2851 33171 47339
ahoOm `y~rB 62 77 0 3 42 543 32 15 2027 2238 2163 2876
[abm`g 18932 25908 4599 5079 164254 166053 51970 56457 31829 25660 271584 279156
am`b gwXa_ 7958 9409 3403 3320 115943 127391 24205 23595 5411 5696 156920 169412
Eg~rAmB 51469 61535 1751 2220 53865 70794 38694 51678 11911 17757 157690 203985
lram_ 1595 1971 76 128 146131 166641 562 657 1288 1829 149652 171227
Q>mQ>m EAmBOr 34863 38494 24905 26543 122458 141136 37928 39840 51260 49842 271414 295855
`y{Zdgb gmonmo 11924 13103 1614 1687 25130 31577 13891 14845 17551 29167 70111 90379
_J_m EMS>rAmB 2978 2913 1081 1239 40119 33448 134 177 3048 2618 47360 40394
dm{fH$ [anmoQ>

143
{b~Q>u dr{S>`moH$mZ 1941 2780 367 797 19216 27447 5405 6985 1457 2863 28386 40872
{ZOr ~r_mH$Vm Hw$b 327722 384765 113153 124989 1980497 2257979 606151 680547 481483 521129 3509009 3969408

gaH$mar ~r_mH$Vm
2015-16

ZoeZb 92133 89655 29859 25835 517748 566460 389597 428410 94852 87247 1124189 1197607
`y B{S>`m 164489 169184 66528 61753 536601 617729 412739 505864 140583 160422 1320940 1514951
Amo[a`Q>b 96161 98403 39793 42033 286170 315064 220022 277815 98649 98159 740796 831474
`wZmBQo>S> 125149 131139 52673 43828 416917 472854 340887 437828 133547 139387 1069173 1225036
gaH$mar ~r_mH$Vm Hw$b 477933 488380 188853 173449 1757435 1972107 1363246 1649918 467631 485215 4255097 4769068

Q>S>AbmoZ dm` ~r_mH$Vm Hw$b

Anmobmo `y{ZI - - - - - - 80313 102218 - - 80313 102218
{gJZm Q>rQ>rHo$ - - - - - - 2183 14382 - - 2183 14382
_g ~ynm - - - - - - 37266 47601 - - 37266 47601
ao{bJoa - - - - - - 27580 50332 - - 27580 50332
Q>ma hoW - - - - - - 146919 200734 - - 146919 200734
Q>S>AbmoZ dm` ~r_mH$Vm Hw$b - - - - - - 294261 415267 294261 415267

{deofrH$V ~r_mH$Vm
BgrOrgr - - - - - - - - 136240 132073 136240 132073
EAmBgr - - - - - - - - 273970 352122 273970 352122
{deofrH$V ~r_mH$Vm Hw$b - - - - - - - - 410210 484195 410210 484195
Hw$b OmoS> 805654 873146 302006 298437 3737932 4230085 2263657 2745731 1359324 1490539 8468577 9637938
{Q>nUr: dm` ~r_m _| `mm Ama d`{VH$ XwKQ>Zm ~r_m em{_b h&
 {ddaU 13
dm` ~r_m ( `mm - Xoer/ {dXoer Ama d`{$H$ XwKQ>Zm H$mo N>moS>H$a)
gH$b r{_`_ Ama gp_{bV `{$`m| H$s g`m (2015-16)
(nm{b{g`m| H$s dmV{dH$ g`m) (`{$`m| H$s g`m '000 _|) ( gH$b r{_`_ bmI ` _|)
~r_m H$nZr H$m Zm_ gaH$ma m`mo{OV `moOZmE gm_y{hH$ ~r_m `moOZmE gaH$ma d`{$H$ d`{$H$ n[adma bmoQ>a Hw$b
AmaEg~rdmB g{hV m`mo{OV `moOZmAm| H$mo N>moS>H$a n[adma bmoQ>a H$mo N>moS>H$a d`{$H$
nm{b{g`m| gp_{bV gH$b nm{b{g`m| gp_{bV gH$b nm{b{g`m| gp_{bV gH$b nm{b{g`m| gp_{bV gH$b nm{b{g`m| gp_{bV gH$b
H$s g. `{$`m| r{_`_ H$s g. `{$`m| r{_`_ H$s g. `{$`m| r{_`_ H$s g. `{$`m| r{_`_ H$s g. `{$`m| r{_`_
H$s g. H$s g. H$s g. H$s g. H$s g.
~OmO Abm`O 2211 1210 36882 170740 500 14978 262597 457 20765 435548 2167 72625
^maVr Agm 1474 282 7394 19528 36 924 21002 318 8319
Mmobm E_Eg 9 1874 1141 11332 1447 15519 40043 136 2099 26723 37 1477 78107 3494 20236
`yMa OZambr 3976 594 868 297 11231 16105 65 1389 14028 27 954 31001 4364 14167
EMS>rE\$gr EaJmo 71 1257 348 10333 172931 435 18179 282337 244 28630 456525 1098 57142
AmBgrAmBgrAmB bm|~mS> 52 19200 3489 3497 2518 62437 109928 315 17350 653053 664 58491 766530 22697 141767
BH$mo Q>mo{H$`mo 28 5226 7536 982 1606 26639 81819 317 5890 60868 85 2784 143697 7234 42849
H$moQ>H$ OZab 56 0.16 5 71 0.08 4 127 0.24 9
{b~Q>u dr{S>`moH$mZ 424 223 5548 1436 4 162 4088 4 186 5948 231 5897
EbES>Q>r OZab 8 606 702 84 89 961 37294 113 2564 33148 45 2329 70534 852 6556
_J_m EMS>rAmB 1 0.001 0.05 1 0.001 0.05
dm{fH$ [anmoQ>

144
ahoOm `y~rB 84 0.08 2 84 0.08 2
[abm`g 34 17074 25813 898 1878 18321 52724 162 4858 25581 27 1974 79237 19141 50966
am`b gwXa_ 576 388 6700 71419 184 5199 109832 230 7757 181827 802 19656
Eg~rAmB OZab 3860 2137 20611 2649 16 238 20821 26 709 27330 2179 21558
2015-16

lram_ OZab
Q>mQ>m EAmBOr 10 1526 3567 1574 423 3543 102745 224 4092 38762 56 4828 143091 2229 16030
`y{Zdgb gm|nmo 3873 762 7184 170328 369 6158 684 1 14 174885 1132 13356
{ZOr Hw$b 141 49552 42841 32910 13608 233304 1030217 2839 83162 1552206 1940 131827 2615474 67938 491134
ZoeZb 21 75493 86903 10021 5262 182105 584809 1620 32715 1154480 2727 101438 1749331 85102 403161
`y B{S>`m 106 62039 67200 14726 10508 245391 480488 1613 42584 1210877 2965 128358 1706197 77124 483532
Amo[a`Q>b 8 2469 1435 223061 5410 160471 756652 2046 65221 449703 910 33671 1429424 10835 260798
`wZmBQo>S> B{S>`m 142 79670 47041 99502 19706 270817 304349 1440 31243 789670 2686 62473 1193663 103502 411574
gaH$mar Hw$b 277 219671 202578 347310 40886 858784 2126298 6719 171763 3604730 9288 325940 6078615 276563 1559065
Anmobmo `y{ZI 1036 1090 29800 330059 1068 42469 244925 375 22236 576020 2533 94505
{gJZm Q>rQ>rHo$ 5 9 5421 33903 102 4842 32681 33 3319 66589 144 13582
_g ~ynm 3 1046 425 135 317 3852 134069 372 16180 130861 306 27098 265068 2040 47555
ao{bJoa 0 86 26 1728 635 16760 114297 360 14944 106582 116 12790 222607 1198 44520
Q>ma hoW 12 2917 1534 5444 496 14131 1316551 4394 130364 669551 740 48363 1991558 8547 194392
Q>S>AbmoZ dm`
~r_mH$Vm Hw$b 15 4049 1985 8348 2546 69964 1928879 6297 208801 1184600 1570 113806 3121842 14461 394555
Hw$b OmoS> 433 273272 247404 388568 57039 1162052 5085394 15855 463725 6341536 12797 571573 11815931 358962 2444754
 {ddaU 14
CnJV Xmdm AZwnmV - gaH$mar jo Ja-OrdZ ~r_mH$Vm 2015-16
~r_mH$Vm {Zdb A{OV r{_`_ (bmI . _|) CnJV Xmdo ({Zdb) (bmI . _|) CnJV Xmdm AZwnmV (%)
\$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b
gaH$mar ~r_mH$Vm
ZoeZb 75646 20572 517057 388709 77155 1079138 68787 10480 464899 429135 54939 1028240 90.93 50.94 89.91 110.40 71.21 95.28
`y B{S>`m 207326 47300 650000 445045 146313 1495983 147197 27244 531431 510180 98067 1314119 71.00 57.60 81.76 114.64 67.03 87.84
Amo[a`Q>b 56559 29018 295944 235960 84908 702390 43533 21685 203258 270132 49351 587959 76.97 74.73 68.68 114.48 58.12 83.71
`wZmBQo>S> 79068 28877 417281 375121 101939 1002287 58754 20656 301372 458596 40732 880109 74.31 71.53 72.22 122.25 39.96 87.81
Hw$b 418599 125767 1880282 1444835 410314 4279798 318270 80064 1500960 1668042 243090 3810427 76.03 63.66 79.83 115.45 59.24 89.03

{deofrH$V ~r_mH$Vm
BgrOrgr - - - - 979 979 - - - - 1001 1001 - - - - 102.22 102.22
EAmBgr - - - - 1862 1862 - - - - 1856 1856 - - - - 99.66 99.66
Hw$b - - - - 2841 2841 - - - - 2857 2857 - - - - 100.54 100.54

Hw$b OmoS> 418599 125767 1880282 1444835 413155 4282639 318270 80064 1500960 1668042 245946 3813283 76.03 63.66 79.83 115.45 59.53 89.04
dm{fH$ [anmoQ>

145
CnJV Xmdm AZwnmV-gaH$mar jo Ja-OrdZ ~r_mH$Vm 2014-15
~r_mH$Vm {Zdb A{OV r{_`_ (bmI ` _|) CnJV Xmdo ({Zdb) (bmI ` _|) CnJV Xmdm AZwnmV (%)
2015-16

\$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b
gaH$mar ~r_mH$Vm
ZoeZb 75331 20138 477416 332965 83965 989816 56333 11748 262074 366344 71019 767518 74.78 58.34 54.89 110.02 84.58 77.54
`y B{S>`m 188733 61104 569219 368785 143688 1331529 144152 32167 496170 364302 82012 1118804 76.38 52.64 87.17 98.78 57.08 84.02
Amo[a`Q>b 59002 30019 263244 200410 89841 642517 42506 12129 203850 234517 33149 526150 72.04 40.40 77.44 117.02 36.90 81.89
`wZmBQo>S> 80640 30454 368224 299246 103059 881623 60651 25865 252524 356057 49205 744303 75.21 84.93 68.58 118.98 47.74 84.42
Hw$b 403706 141714 1678103 1201406 420554 3845484 303642 81908 1214618 1321220 235386 3156775 75.21 57.80 72.38 109.97 55.97 82.09

{deofrH$V ~r_mH$Vm
BgrOrgr - - - - 101927 101927 - - - - 116350 116350 - - - - 114.15 114.15
EAmBgr - - - - 159838 159838 - - - - 173371 173371 - - - - 108.47 108.47
Hw$b - - - - 261765 261765 - - - - 289721 289721 - - - - 110.68 110.68
Hw$b OmoS> 403706 141714 1678103 1201406 682319 4107249 303642 81908 1214618 1321220 525106 3446495 75.21 57.80 72.38 109.97 76.96 83.91
 {ddaU 15
CnJV Xmdm AZwnmV-{ZOr jo Ja-OrdZ ~r_mH$Vm 2015-16
~r_mH$Vm {Zdb A{OV r{_`_ (bmI ` _|) CnJV Xmdo ({Zdb) (bmI ` _|) CnJV Xmdm AZwnmV (%)
\$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b
~OmO Abm`O 16585 8488 288564 79332 29396 422365 11125 4135 207964 59450 22712 305386 67.08 48.71 72.07 74.94 77.26 72.30
^maVr Agm 936 1181 100736 9987 2981 115822 2221 1237 92162 8531 3009 107161 237.20 104.77 91.49 85.41 100.95 92.52
Mmobm_S>b_ 4659 1574 134687 22552 5609 169080 1702 864 105628 10050 4134 122377 36.52 54.88 78.42 44.56 73.70 72.38
`yMa OZambr 4315 4866 74106 15062 9795 108144 3466 3673 58682 12281 9788 87890 80.33 75.49 79.19 81.53 99.93 81.27
EMS>rE\$gr EaJmo 7330 7478 79025 63809 13212 170854 3718 7615 67802 32542 12738 124416 50.73 101.83 85.80 51.00 96.41 72.82
AmBgrAmBgrAmB bmo~mS> 9950 18493 295902 107460 50357 482162 6330 18033 237546 88212 42701 392821 63.62 97.51 80.28 82.09 84.80 81.47
BH$mo-Q>mo{H$`mo 4493 3961 216092 41531 14418 280495 2508 4003 164415 43296 7744 221967 55.83 101.05 76.09 104.25 53.71 79.13
H$moQ>H$ _{hm - - 6 0.35 - 6 - - 21 0.12 - 21 - - 366.84 34.29 - 347.60
{b~Q>u dr{S>`moH$mZ 454 331 21295 6677 872 29630 806 301 18169 7079 838 27194 177.49 90.95 85.32 106.02 96.06 91.78
Eb ES> Q>r 761 588 22346 4940 1148 29783 1413 509 16946 2298 730 21896 185.57 86.45 75.84 46.52 63.58 73.52
_J_m EMS>rAmB 190 105 35681 125 1221 37322 441 330 29270 242 1599 31883 232.02 316.00 82.03 192.87 130.99 85.43
ahoOm `y~rB 35 2 114 19 1979 2149 22 (0.26) 123 18 373 535 61.88 (17.11) 107.85 94.15 18.83 24.90
dm{fH$ [anmoQ>

146
[abm`g 5604 2683 129625 54948 7080 199940 3627 3142 113156 52679 6147 178751 64.72 117.12 87.30 95.87 86.82 89.40
am`b gwXa_ 2174 1412 112087 21565 1764 139002 1096 1086 92785 12631 420 108018 50.41 76.94 82.78 58.57 23.81 77.71
Eg~rAmB 15278 1588 60054 38893 4876 120689 9900 1555 64813 21161 2698 100127 64.80 97.91 107.92 54.41 55.34 82.96
2015-16

lram_ 748 56 146204 219 880 148106 400 51 148482 141 341 149415 53.54 90.35 101.56 64.55 38.78 100.88
Q>mQ>m EAmBOr 2676 22582 127273 37258 16484 206274 2555 18248 106574 24163 7486 159026 95.47 80.81 83.74 64.85 45.41 77.09
`y{Zdgb gmonmo 5518 726 25309 13731 7772 53056 2850 603 18316 11681 4111 37561 51.65 83.12 72.37 85.07 52.89 70.80
Cn-OmoS> 81708 76114 1869105 518108 169843 2714879 54181 65385 1542854 386455 127568 2176444 66.31 85.90 82.55 74.59 75.11 80.17
Q>S>AbmoZ dm` ~r_mH$Vm
Anmobmo `y{ZI - - - 77490 - 77490 - - - 50065 - 50065 - - - 64.61 - 64.61
{gJZm Q>rQ>rHo$ - - - 7096 - 7096 - - - 5582 - 5582 - - - 78.66 - 78.66
_g ~ynm - - - 39311 - 39311 - - - 23402 - 23402 - - - 59.53 - 59.53
ao{bJoa - - - 28773 - 28773 - - - 16472 - 16472 - - - 57.25 - 57.25
Q>ma hoW - - - 151387 - 151387 - - - 81455 - 81455 - - - 53.81 - 53.81
Cn-OmoS> - - - 304056 - 304056 - - - 176976 - 176976 - - - 58.20 - 58.20
Hw$b OmoS> 81708 76114 1869105 822164 169843 3018935 54181 65385 1542854 563431 127568 2353420 66.31 85.90 82.55 68.53 75.11 77.96
{Q>nUr: H$mo>H$ _| AmH$So> F$Um_H$ am{e`m XemVo h&
 Omar... {ddaU 15
CnJV Xmdm AZwnmV-{ZOr jo Ja-OrdZ ~r_mH$Vm 2014-15
~r_mH$Vm {Zdb A{OV r{_`_ (bmI ` _|) CnJV Xmdo ({Zdb) (bmI ` _|) CnJV Xmdm AZwnmV (%)
\$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b \$m`a _arZ _moQ>a dm` A` Hw$b
~OmO Abm`O 14662 7201 265003 69512 26813 383190 9366 6468 189764 51152 18850 275599 63.88 89.82 71.61 73.59 70.30 71.92
^maVr Agm 1143 808 96669 19117 2648 120384 916 783 81000 18636 1757 103091 80.12 96.88 83.79 97.48 66.35 85.64
Mmobm_S>b_ 4341 2027 116588 19635 5619 148210 2769 1454 92374 10295 3720 110612 63.78 71.74 79.23 52.43 66.21 74.63
`yMa OZambr 3347 3999 74933 14192 11441 107912 1649 2639 60276 11345 7519 83428 49.27 65.98 80.44 79.94 65.72 77.31
EMS>rE\$gr EaJmo 6840 7169 80860 58145 14395 167409 6015 8152 73058 32843 11720 131788 87.94 113.71 90.35 56.48 81.42 78.72
AmBgrAmBgrAmB bmo~mS> 10885 16011 249673 106110 40854 423533 10235 15799 200060 92720 25529 344344 94.03 98.68 80.13 87.38 62.49 81.30
BH$mo Q>mo{H$`mo 3920 4909 174710 29989 13186 226714 2155 3778 128387 27714 6120 168153 54.97 76.96 73.49 92.41 46.41 74.17
{b~Q>u dr{S>`moH$mZ 363 105 14570 3747 415 19200 371 209 13345 3843 380 18148 102.17 199.18 91.59 102.56 91.56 94.52
Eb ES> Q>r 848 436 14590 3502 1239 20614 692 539 10613 1819 1103 14765 81.59 123.86 72.74 51.93 89.02 71.63
_J_m EMS>rAmB 148 (121) 38807 66 1718 40618 584 100 31669 61 1639 34053 394.77 (82.47) 81.61 92.67 95.39 83.84
ahoOm `y~rB 47 1 39 35 1831 1953 73 (1) (46) 41 474 542 154.91 (85.00) (116.92) 116.54 25.91 27.73
dm{fH$ [anmoQ>

[abm`g 4839 2187 133026 44927 6868 191847 3650 1861 121289 48291 5340 180430 75.43 85.07 91.18 107.49 77.76 94.05

147
am`b gwXa_ 1824 1213 103045 22577 1686 130346 933 986 87438 11942 366 101665 51.15 81.26 84.85 52.89 21.72 78.00
Eg~rAmB 13942 763 48292 24252 3884 91133 5703 1075 49867 19492 2036 78173 40.90 140.91 103.26 80.37 52.41 85.78
2015-16

lram_ 660 26 137721 214 803 139424 428 (24) 135690 152 335 136580 64.83 (92.08) 98.53 70.91 41.67 97.96
Q>mQ>m EAmBOr 2423 21088 104757 35591 16365 180224 2032 15458 79233 24892 6001 127616 83.84 73.30 75.63 69.94 36.67 70.81
`y{Zdgb gmonmo 5834 672 22584 9955 6579 45623 2779 572 18669 10176 1863 34060 47.64 85.17 82.67 102.22 28.32 74.65
Cn-OmoS> 76066 68494 1675866 461565 156343 2438335 50349 59848 1372685 365412 94752 1943046 66.19 87.38 81.91 79.17 60.61 79.69
Q>S>AbmoZ dm` ~r_mH$Vm
Anmobmo `y{ZI - - - 65588 - 65588 - - - 41343 - 41343 - - - 63.03 - 63.03
{gJZm Q>rQ>rHo$ - - - 667 - 667 - - - 429 - 429 - - - 64.33 - 64.33
_g ~ynm - - - 31524 - 31524 - - - 17388 - 17388 - - - 55.16 - 55.16
ao{bJoa - - - 15372 - 15372 - - - 9397 - 9397 - - - 61.13 - 61.13
Q>ma hoW - - - 101793 - 101793 - - - 65106 - 65106 - - - 63.96 - 63.96
Cn-OmoS> - - - 214945 - 214945 - - - 133662 - 133662 - - - 62.18 - 62.18
Hw$b OmoS> 76066 68494 1675866 676510 156343 2653279 50349 59848 1372685 499074 94752 2076708 66.19 87.38 81.91 73.77 60.61 78.27
{Q>nUr: H$mo>H$ _| AmH$So> F$Um_H$ am{e`m XemVo h&
 {ddaU 16
Ja-OrdZ ~r_mH$VmAm| Ho$ ~YZ Ho$ AYrZ AmpV`m
(` H$amoS>)
~r_mH$Vm Ho$ gaH$ma am` gaH$ma Ama A` Amdmg VWm am` gaH$ma H$mo ~w{Z`mXr AZw_mo{XV {Zdoe A` {Zdoe Hw$b {Zdoe
{V^y{V`m AZw_mo{XV {V^y{V`m Amdmg Ama E\$E\$B* gaMZmJV {Zdoe
Ho$ {bE F$U
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
~OmO Abm`O 3906.13 3510.37 598.52 476.76 1112.76 688.31 1899.62 1315.63 1238.76 1386.64 178.86 138.61 8934.65 7516.32
^maVr Agm 635.97 626.46 250.77 148.53 387.87 316.36 414.95 385.07 1068.00 974.61 82.72 9.90 2840.28 2460.92
Mmobm_S>b_ E_Eg 840.62 684.06 411.19 321.20 526.83 361.48 588.40 409.29 1497.78 1388.07 10.00 0.00 3874.82 3164.10
`yMa OZambr 573.96 458.93 195.12 239.53 240.89 163.70 476.79 517.88 512.59 592.93 24.66 0.32 2024.01 1973.29
EMS>rE\$gr EaJmo 1229.27 994.90 249.99 212.70 307.90 282.70 1241.02 1073.20 836.90 1091.50 266.22 101.80 4131.30 3756.80
AmBgrAmBgrAmB bmo~mS> 4511.27 3338.26 97.90 480.10 1144.53 1002.95 1904.51 2464.97 3159.74 2374.48 439.96 187.12 11257.91 9847.88
BH$mo Q>mo{H$`mo 1032.51 907.87 483.07 473.18 697.47 491.34 1489.47 730.20 1119.52 1766.21 9.02 0.00 4831.06 4368.80
EbES>Q>r OZab 203.68 174.80 10.33 20.30 80.24 49.20 85.83 70.55 168.63 157.35 53.08 18.08 601.79 490.28
{b~Q>u dr{S>`moH$mZ 214.55 314.37 0.00 0.00 55.32 49.95 145.57 120.46 98.17 81.22 0.00 0.00 513.61 566.00
_J_m EMS>rAmB 268.71 248.43 66.60 46.56 80.03 81.77 143.89 143.74 271.78 245.50 35.32 0.00 866.33 766.00
ahoOm `y~rB 84.68 78.24 0.00 0.00 30.23 30.38 60.52 50.52 80.02 80.64 0.00 0.00 255.45 239.78
[abm`g 1338.06 1612.63 417.94 72.48 768.35 636.66 575.59 609.49 2119.78 2082.63 175.61 32.98 5395.33 5046.87
am`b gwXa_ 1021.51 848.83 74.27 74.64 335.20 306.10 692.97 772.92 584.39 486.10 10.00 0.00 2718.34 2488.59
Eg~rAmB OZab 862.29 587.11 269.78 241.05 348.24 179.77 524.46 311.10 1171.78 1323.55 128.07 25.00 3304.62 2667.58
dm{fH$ [anmoQ>

148
lram_ 1405.65 1226.35 534.37 482.43 1135.65 948.99 2213.33 1941.97 730.71 781.71 0.00 0.01 6019.71 5381.46
Q>mQ>m EAmBOr 981.08 970.07 525.09 80.84 437.70 410.69 976.36 1288.00 781.63 266.35 0.00 0.00 3701.86 3015.95
`y{Zdgb gmonmo 386.51 364.00 38.95 28.7600 145.84 130.85 296.86 220.09 220.72 287.67 0.00 0.00 1088.88 1031.37
H$moQ>H$ _{hm** 41.72 -- 15.39 -- 14.86 -- 20.27 -- 22.18 -- 0.00 -- 114.42 --
2015-16

{ZOr Hw$b 19538.17 16945.68 4239.28 3399.06 7849.91 6131.20 13750.41 12425.08 15683.08 15367.16 1413.52 513.82 62474.37 54781.99
ZoeZb 3780.25 3770.28 3185.80 3224.39 1009.44 982.92 2509.02 2639.23 5633.40 5469.01 1024.56 396.53 17142.47 16482.36
`y B{S>`m 7991.89 7576.33 3794.89 2371.67 2327.16 2208.02 3531.00 3124.06 8039.27 9258.26 496.34 274.77 26180.55 24813.11
Amo[a`Q>b 2745.66 2745.21 1667.50 1732.38 1155.58 1058.51 1904.92 1961.16 4384.78 4707.86 355.83 268.40 12214.27 12473.52
`wZmBQo>S> B{S>`m 4055.77 4185.91 2353.40 2148.08 1981.74 1874.05 3550.13 3469.64 6877.65 6684.22 846.61 735.68 19665.30 19097.58
gaH$mar Hw$b 18573.57 18277.73 11001.59 9476.52 6473.92 6123.50 11495.07 11194.09 24935.10 26119.35 2723.34 1675.38 75202.59 72866.57
Anmobmo `y{ZI 184.65 175.98 83.80 54.04 124.14 69.10 106.10 81.26 305.77 348.24 76.02 15.27 880.48 743.89
{gJZm Q>rQ>rHo$ 54.66 43.79 20.73 15.44 19.95 14.88 44.95 30.12 64.29 36.87 2.04 2.76 206.62 143.86
_g ~ynm 149.68 128.24 30.84 5.34 47.70 26.75 111.44 50.53 187.28 208.82 39.21 9.89 566.15 429.57
ao{bJoa hoW 121.00 75.60 38.70 23.30 51.80 36.20 56.40 41.90 171.80 105.90 13.60 22.00 453.30 304.90
Q>ma hoW 385.01 301.97 0.00 0.00 146.20 83.11 234.47 96.56 204.68 267.55 14.00 0.00 984.36 749.19
Q>S>AbmoZ dm` {ZOr (Hw$b) 895.00 725.58 174.07 98.12 389.79 230.04 553.36 300.37 933.82 967.38 144.87 49.92 3090.91 2371.41
OrAmBgr (nwZ~u_mH$Vm) 7977.31 6955.31 4735.78 4146.69 3310.37 2348.85 4212.54 3357.87 12180.73 11280.33 1633.59 2605.32 34050.32 30694.37
Ja-OrdZ Hw$b 46984.05 42904.30 20150.72 17120.39 18023.99 14833.58 30011.38 27277.41 53732.73 53734.22 5915.32 4844.44 174818.19 160714.34
EAmBgr 1260.19 996.06 688.63 532.30 444.94 510.01 637.19 589.74 2848.00 2079.44 243.95 4.00 6122.90 4711.55
BgrOrgr 1749.29 1516.19 1320.66 960.61 1034.55 744.53 1297.13 1150.69 1730.67 2316.15 52.33 30.30 7184.63 6718.47
{deofrH$V ~r_mH$Vm (Hw$b) 3009.48 2512.25 2009.29 1492.91 1479.49 1254.54 1934.32 1740.43 4578.67 4395.59 296.28 34.30 13307.53 11430.02
* E\$E\$B: A{e_Z CnH$a
** n[aMmbZ 2015-16 Ho$ XmamZ ma^ {H$`o&
 dm{fH$ [anmoQ> 2015-16

{ddaU 17
Ja-OrdZ ~r_mH$VmAm| H$s B{$Q>r eo`a nyOr
(` H$amoS>)
~r_mH$Vm 31 _mM df Ho$ XmamZ 31 _mM {dXoer ^maVr` E\$S>rAmB
2015 H$mo n[adYZ 2016 H$mo dVH$ dVH$
~OmO Abm`O 110.23 0.00 110.23 28.66 81.57 26.00%
^maVr Agm 1238.66 332.79 1571.45 770.00 801.45 49.00%
Mmobm_S>b_ E_Eg 298.81 0.00 298.81 119.52 179.28 40.00%
`yMa OZambr 710.00 0.00 710.00 181.05 528.95 25.50%
EMS>rE\$gr EaJmo 538.62 0.00 538.62 139.17 399.45 25.84%
AmBgrAmBgrAmB bmo~mS> 446.59 0.95 447.54 154.78 292.76 34.58%
BH$mo Q>mo{H$`mo 269.32 0.00 269.32 70.02 199.30 26.00%
H$moQ>H$ _{hm*** 0.00 135.00 135.00 0.00 135.00 0.00%
Eb ES> Q>r 620.00 85.00 705.00 0.00 705.00 0.00%
_J_m EMS>rAmB 100.00 12.50 112.50 28.75 83.75 25.56%
{b~Q>u dr{S>`moH$mZ 679.35 0.00 679.35 122.90 556.45 18.09%
ahoOm `y~rB 207.00 0.00 207.00 53.82 153.18 26.00%
[abm`g 122.78 0.00 122.78 0.00 122.78 0.00%
am`b gwXa_ 315.00 0.00 315.00 0.00 315.00 0.00%
Eg~rAmB 203.00 0.00 203.00 52.78 150.22 26.00%
lram_ 258.09 0.20 258.29 0.00 258.29 0.00%
Q>mQ>m EAmBOr 505.00 127.50 632.50 164.45 468.05 26.00%
`y{Zdgb gmonmo 350.00 0.00 350.00 91.00 259.00 26.00%
{ZOr Hw$b 6972.45 693.93 7666.38 1976.90 5689.48 25.79%

ZoeZb 100.00 0.00 100.00 0.00 100.00 0.00%

`y B{S>`m 200.00 0.00 200.00 0.00 200.00 0.00%
Amo[a`Q>b 200.00 0.00 200.00 0.00 200.00 0.00%
`wZmBQo>S> B{S>`m 150.00 0.00 150.00 0.00 150.00 0.00%
gaH$mar Hw$b 650.00 0.00 650.00 0.00 650.00 0.00%
Hw$b (Ja-OrdZ) 7622.45 693.93 8316.38 1976.90 6339.48 23.77%

Q>S>AbmoZ dm` {ZOr

Anmobmo `y{ZI 349.23 7.69 356.92 90.91 266.01 25.47%
{gJZm Q>rQ>rHo$ 200.00 40.03 240.03 62.41 177.62 26.00%
_g ~ynm 790.50 107.50 898.00 233.48 664.52 26.00%
ao{bJoa hoW 350.00 125.07 475.07 0.00 475.07 0.00%
Q>ma hoW 362.14 24.85 386.99 99.29 287.70 25.66%
Q>S>AbmoZ Hw$b 2051.87 305.14 2357.01 486.09 1870.92 20.62%

{deofrH$V ~r_mH$Vm
EAmBgr 200.00 0.00 200.00 0.00 200.00 0.00%
BgrOrgr 1200.00 100.00 1300.00 0.00 1300.00 0.00%
{deofrH$V Hw$b 1400.00 100.00 1500.00 0.00 1500.00 0.00%

nwZ~u_mH$Vm
OrAmBgr 430.00 0.00 430.00 0.00 430.00 0.00%
nwZ~u_mH$Vm Hw$b 430.00 0.00 430.00 0.00 430.00 0.00%
Hw$b OmoS> (Ja-OrdZ) 11504.31 1099.08 12603.39 2462.99 10140.40 19.54%
***hmb _| gWm{nV

149
 dm{fH$ [anmoQ> 2015-16

{ddaU 18
Ja-OrdZ ~r_mH$VmAm| H$m emoYj_Vm AZwnmV
H$_ ~r_mH$Vm _mM OyZ {gV~a {Xg~a _mM 2016
g. 2015 2015 2015 2015 2016
{ZOr ~r_mH$Vm
1 ~OmO Abm`O 1.82 2.46 2.54 2.54 2.51
2 ^maVr Agm 1.57 1.72 1.61 1.30 1.59
3 Mmobm_S>b_ E_Eg 1.59 1.72 1.55 1.61 1.61
4 `yMa OZambr 1.66 1.54 1.59 1.53 1.54
5 EMS>rE\$gr EaJmo 1.65 1.54 1.66 1.78 1.67
6 AmBgrAmBgrAmB bmo~mS> 1.95 1.93 1.94 1.93 1.82
7 BH$mo Q>mo{H$`mo 1.65 1.63 1.65 1.62 1.60
8 H$moQ>H$ _{hm*** 2.58 2.45
9 EbES>Q>r 1.97 1.69 1.60 1.40 1.52
10 {b~Q>u dr{S>`moH$mZ 6.71 4.91 3.87 2.87 2.24
11 _J_m EMS>rAmB 1.24 1.69 1.51 1.53 1.78
12 ahoOm `y~rB 4.26 4.28 4.37 4.44 4.43
13 [abm`g 1.53 1.50 1.54 1.64 1.55
14 am`b gwXa_ 1.64 1.6 1.66 1.60 1.55
15 Eg~rAmB 2.80 2.62 2.40 2.19 1.81
16 lram_ 1.79 1.91 2.01 2.09 1.98
17 Q>mQ>m EAmBOr 1.55 1.57 1.53 1.58 1.66
18 `y{Zdgb gmonmo 1.86 1.84 1.67 1.75 1.69

gaH$mar ~r_mH$Vm
18 ZoeZb 1.52 1.51 1.51 1.51 1.26
19 `y B{S>`m 2.44 2.47 2.40 2.31 2.30
20 Amo[a`Q>b 1.68 1.77 1.78 1.74 1.59
21 `wZmBQo>S> B{S>`m 2.36 2.4 2.43 2.02 1.91

Q>S>AbmoZ dm` {ZOr

22 Anmobmo `y{ZI 1.72 1.55 1.51 1.60 1.51
23 _g ~ynm 2.10 1.66 1.84 2.17 2.16
24 ao{bJoa hoW 2.04 1.84 1.67 1.68 1.85
25 Q>ma hoW 2.40 1.04 1.36 2.10 5.99
26 {gJZm Q>rQ>rHo$ 2.10 1.83 1.81 1.68 1.54

{deofrH$V ~r_mH$Vm
27 EAmBgr 3.18 3.2 3.09 3.13 3.26
28 BgrOrgr 6.61 6.53 6.23 8.93 9.79

nwZ~u_mH$Vm
29 OrAmBgr 3.04 3.33 3.22 3.52 3.48
*** hmb _| gWm{nV

150
 dm{fH$ [anmoQ> 2015-16

{ddaU 19
2015-16 Ho$ {bE {eH$m`Vm| H$s pW{V - OrdZ ~r_mH$Vm
~r_mH$Vm 2015-16 b{~V {eH$m`Vm| H$m Ad{Y-dma {dbofU
ma{^H$ df Ho$ df Ho$ df Ho$ XmamZ df Ho$ 15 {XZ 15 Ama 30 30 {XZ
eof XmamZ gy{MV XmamZ g_mYmZ g_mYmZ AV _| go H$_ {XZ Ho$ go A{YH$
H$s JB H$s JB H$V % b{~V ~rM

EBJmZ ao{bJoa 371 8595 8822 98.39 144 124 0 20

Adrdm 0 3259 3259 100.00 0 0 0 0
~OmO Abm`O 275 14295 14556 99.90 14 9 2 3
^maVr Agm 351 4728 5079 100.00 0 0 0 0
{~S>bm gZ bmB\$ 11 12402 12412 99.99 1 1 0 0
Ho$Zam EMEg~rgr 59 3179 3225 99.60 13 13 0 0
S>rEME\$Eb m_o[aH$m 653 1372 2018 99.65 7 7 0 0
ES>bdoBg Q>mo{H$`mo 33 627 654 99.09 6 6 0 0
EgmBS> bmB\$ 634 9375 9968 99.59 41 41 0 0
`yMa OZambr 381 7162 7491 99.31 52 52 0 0
EMS>rE\$gr Q>S>S> 2298 11513 13726 99.38 85 28 11 46
AmBgrAmBgrAmB wSo>pe`b 59 8865 8912 99.87 12 12 0 0
AmBS>r~rAmB \o$S>ab 0 853 853 100.00 0 0 0 0
B{S>`m\$Q> 118 1912 2006 98.82 24 24 0 0
H$moQ>H$ _{hm 128 3444 3326 93.11 246 195 4 47
_g bmB\$ 4 14157 14161 100.00 0 0 0 0
nrEZ~r _oQ>bmB\$ 7 4411 4398 99.55 20 18 0 2
[abm`g 490 14024 14345 98.84 169 163 4 2
ghmam 0 35 34 97.14 1 0 1 0
Eg~rAmB bmB\$ 15 9391 9403 99.97 3 3 0 0
lram_ 14 259 264 96.70 9 2 0 7
Q>ma `y{Z`Z XmB-BMr 95 1825 1832 95.42 88 77 0 11
Q>mQ>m EAmBE 113 4268 4381 100.00 0 0 0 0
EbAmBgr 0 64750 64750 100.00 0 0 0 0
Hw$b 6109 204701 209875 99.56 935 775 22 138

151
 dm{fH$ [anmoQ> 2015-16

{ddaU 20
2015-16 Ho$ {bE {eH$m`Vm| H$s pW{V - Ja-OrdZ ~r_mH$Vm
~r_mH$Vm 2015-16 b{~V {eH$m`Vm| H$m Ad{Y-dma {dbofU
ma{^H$ df Ho$ XmamZ df Ho$ XmamZ df Ho$ XmamZ df Ho$ 15 {XZ 15 Ama 30 {XZ
eof gy{MV g_mYmZ g_mYmZ AV _| go H$_ 30 {XZ go
H$s JB H$s JB H$V % b{~V Ho$ ~rM A{YH$
~OmO Abm`O OZab B`moa|g 204 1756 1911 97.50 49 18 7 24
^maVr Agm OZab B`moa|g 105 4198 4266 99.14 37 26 5 6
Mmobm_S>b_ E_Eg OZab 103 2163 2256 99.56 10 10 0 0
`yMa OZambr B{S>`m AmBEZEg. 0 4251 4250 99.98 1 1 0 0
EMS>rE\$gr EaJmo OZab B`moa|g 23 2879 2886 99.45 16 16 0 0
AmBgrAmBgrAmB bmo~mS> OZab B`moa|g 372 4974 5256 98.32 90 90 0 0
BH$mo Q>mo{H$`mo OZab B`moa|g 163 1355 1517 99.93 1 1 0 0
EbES>Q>r OZab B`moa|g 5 335 340 100.00 0 0 0 0
{b~Q>u dr{S>`moH$mZ OZab B`moa|g 6 524 527 99.43 3 3 0 0
_J_m EMS>rAmB OZab B`moa|g 9 151 160 100.00 0 0 0 0
ahoOm `y~rB 0 0 0 0.00 0 0 0 0
[abm`g OZab B`moa|g 67 1500 1521 97.06 46 31 7 8
am`b gwXa_ Abm`g OZab 66 2551 2595 99.16 22 18 1 3
Eg~rAmB OZab B`moa|g 317 1136 1392 95.80 61 26 10 25
lram_ OZab B`moa|g 0 120 120 100.00 0 0 0 0
Q>mQ>m-EAmBOr OZab B`moa|g 37 3422 3458 99.97 1 1 0 0
`y{Zdgb gmonmo OZab B`moa|g 0 373 373 100.00 0 0 0 0
Hw$b {ZOr ~r_mH$Vm 1477 31688 32828 98.98 337 241 30 66
ZoeZb B`moa|g 175 4933 4928 96.48 180 57 12 111
Xr `y B{S>`m E`moa|g 102 4087 4050 96.68 139 90 26 23
Xr Amo[a`Q>b B`moa|g 59 2555 2485 95.07 129 25 11 93
`wZmBQo>S> B{S>`m B`moa|g 55 6221 6254 99.65 22 13 2 7
Hw$b - nrEg`y ~r_mH$Vm 391 17796 17717 97.42 470 185 51 234
Q>S>AbmoZ dm` ~r_mH$Vm
Anmobmo `y{ZI hoW B`moa|g 13 978 987 99.60 4 4 0 0
{gJZm Q>rQ>rHo$ hoW B`moa|g 4 334 332 98.22 6 6 0 0
_g ~ynm hoW B`moa|g 0 620 620 100.00 0 0 0 0
ao{bJoa hoW B`moa|g 2 564 560 98.94 6 6 0 0
Q>ma hoW ES> Abm`S> B`moa|g 166 7093 7166 98.72 93 91 2 0
Hw$b - dm` ~r_mH$Vm 185 9589 9665 98.88 109 107 2 0
{deofrH$V ~r_mH$Vm
H${f ~r_m - - - - - - - -
^maVr` BgrOrgr 46 10 1 1.79 55 0 0 55
Hw$b OmoS> : 2099 59083 60211 98.41 971 533 83 355

152
AZw~Y

^maV _| n[aMmbZaV ~r_m H$n{Z`m
gaH$mar jo
1. ^maVr` OrdZ ~r_m {ZJ_
* 31 _mM 2016 H$s pW{V Ho$ AZwgma
dm{fH$ [anmoQ> 2015-16
AZw~Y 1
OrdZ ~r_mH$Vm*
{ZOr jo
1. EBJmZ bmB\$ B`moa|g H$nZr {b.
2. Adrdm bmB\$ B`moa|g H$nZr {b.
3. ~OmO Abm`O bmB\$ B`moa|g H$nZr {b.
4. ^maVr Agm bmB\$ B`moa|g H$nZr {b.
5. {~S>bm gZ bmB\$ B`moa|g H$nZr {b.
6. Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g bmB\$ B`moa|g H$nZr {b.
7. S>rEME\$Eb m_o[aH$m bmB\$ B`moa|g H$nZr {b.
8. ES>bdoBg Q>mo{H$`mo bmB\$ B`moa|g H$nZr {b.
9. EgmBS> bmB\$ B`moa|g H$nZr {b.
10. `wMa OZambr B{S>`m bmB\$ B`moa|g H$nZr {b.
11. EMS>rE\$gr Q>S>S> bmB\$ B`moa|g H$nZr {b.
12. AmBgrAmBgrAmB wSo>pe`b bmB\$ B`moa|g H$nZr {b.
13. AmBS>r~rAmB \o$S>ab bmB\$ B`moa|g H$nZr {b.
14. B{S>`m\$Q> bmB\$ B`moa|g H$nZr {b.
15. H$moQ>H$ _{hm AmoS> `wMwAb bmB\$ B`moa|g {b.
16. _g bmB\$ B`moa|g H$nZr {b.
17. nrEZ~r _oQ> bmB\$ B{S>`m B`moa|g H$nZr {b.
18. [abm`g {ZnmoZ bmB\$ B`moa|g H$nZr {b.
19. ghmam B{S>`m bmB\$ B`moa|g H$nZr {b.
20. Eg~rAmB bmB\$ B`moa|g H$nZr {b.
21. lram_ bmB\$ B`moa|g H$nZr {b.
22. Q>ma `y{Z`Z XmB-BMr bmB\$ B`moa|g H$nZr {b.
23. Q>mQ>m EAmBE bmB\$ B`moa|g H$nZr {b.
155
 dm{fH$ [anmoQ> 2015-16

Ja-OrdZ ~r_mH$Vm*
gaH$mar jo
1 ZoeZb B`moa|g H$nZr {b.
2 Xr `y B{S>`m E`moa|g H$nZr {b.
3 Xr Amo[a`Q>b B`moa|g H$nZr {b.
4 `wZmBQo>S> B{S>`m B`moa|g H$nZr {b.
{deofrH$V ~r_mH$Vm
5 ^maVr` H${f ~r_m H$nZr {b.
6 ^maVr` {Z`mV F$U JmaQ>r {ZJ_ {b.
Omar... AZw~Y 1
{ZOr jo
1 ~OmO Abm`O OZab B`moa|g H$nZr {b.
2 ^maVr Agm OZab B`moa|g H$nZr {b.
3 Mmobm_S>b_ E_Eg OZab B`moa|g H$nZr {b.
4 `yMa OZambr B{S>`m B`moa|g H$nZr {b.
5 EMS>rE\$gr EaJmo OZab B`moa|g H$nZr {b.
6 AmBgrAmBgrAmB bmo~mS> OZab B`moa|g H$nZr {b.
7 BH$mo Q>mo{H$`mo OZab B`moa|g H$nZr {b.
8 Eb ES> Q>r OZab B`moa|g H$nZr {b.
9 {b~Q>u dr{S>`moH$mZ OZab B`moa|g H$nZr {b.
10 _J_m EMS>rAmB OZab B`moa|g H$nZr {b.
11 ahoOm `y~rB OZab B`moa|g H$nZr {b.
12 [abm`g OZab B`moa|g H$nZr {b.
13 am`b gwXa_ OZab B`moa|g H$nZr {b.
14 Eg~rAmB OZab B`moa|g H$nZr {b.
15 lram_ OZab B`moa|g H$nZr {b.
16 Q>mQ>m EAmBOr OZab B`moa|g H$nZr {b.
17 `y{Zdgb gmonmo OZab B`moa|g H$nZr {b.
18 H$moQ>H$ _{hm OZab B`moa|g H$nZr {b.

Q>S>AbmoZ dm` ~r_mH$Vm

19 Anmobmo `y{ZI hoW B`moa|g H$nZr {b.
20 {gJZm Q>rQ>rHo$ hoW B`moa|g H$nZr {b.
21 _g ~ynm hoW B`moa|g H$nZr {b.
22 aobrJoa hoW B`moa|g H$nZr {b.
23 Q>ma hoW ES> Abm`S> B`moa|g H$nZr {b.
nwZ~u_mH$Vm*
^maVr` gmYmaU ~r_m {ZJ_
* 31 _mM 2016 H$s pW{V Ho$ AZwgma

156
 dm{fH$ [anmoQ> 2015-16

AZw~Y 2
~r_mH$VmAm| Ama {d{^ _`d{V`m| Ho$ {bE ewH$ gaMZm
H$_ ~r_mH$Vm/ _`dVu gH$aU nOrH$aU ZdrH$aU ewH$ ZdrH$aU H$s
g. ewH$ ewH$ Amd{YH$Vm
1 ~r_mH$Vm (OrdZ/ - `5,00,000 `yZV_ `5,00,000 Ama A{YH$V_`10 `oH$ df (31
gmYmaU/dm`) H$amoS> Ho$ AYrZ ^maV _| Omo{I_-A{H$V OZdar VH$)
gH$b `j r{_`_ Ho$ 1% H$m
1/20 dm ^mJ
2 nwZ~u_mH$Vm - `5,00,000 `yZV_ `5,00,000 Ama A{YH$V_ `oH$ df ( 31
`10 H$amoS> Ho$ AYrZ ^maV _| drH$V OZdar VH$)
{dH$nr nwZ~u_m Ho$ g~Y _| Hw$b r{_`_
Ho$ 1% H$m 1/20 dm ^mJ
3 gmYmaU / OrdZ ~r_m `dgm` `yZV_ `50 bmI Ama - - -
H$m g_m_obZ Ama AVaU A{YH$V_ `5 H$amoS> Ho$ AYrZ
m{YH$aU Ho$ nmg AmdoXZ
Xm{Ib H$aZo Ho$ {dmr` df
go nyddVu {dmr` df _|
boZXoZ H$aZodmbr gWmAm|
mam ^maV _| `j Omo{I_-
A{H$V gH$b `j r{_`_
Ho$ 1% H$m 1/10 dm ^mJ
4 bm`S>g g{hV {dXoer - `5,00,000 `yZV_ `5,00,000 Ama A{YH$V_ `oH$ df (31
nwZ~u_mH$VmAmoo H$s emIm `10 H$amoS> Ho$ AYrZ ^maV _| drH$V {Xg~a)
{dH$nr nwZ~u_m Ho$ g~Y _| Hw$b r{_`_
Ho$ 1% H$m 1/20 dm ^mJ
5 A` nj ~YH$ (Q>rnrE) `20000 `30000 `15000 3 df
6 Xbmb-`j - `20000 `yZV_ `25,000 Ama A{YH$V_ 3 df
`1,00,000 Ho$ AYrZ ZdrH$aU ewH$ Ho$
$n _| `1,000+{nN>bo {dmr` df _| A{OV
nm[al{_H$ Ho$ 0.50% H$m dm{fH$ ewH$
Xbmb-nwZ~u_m - `25000 `yZV_ `75,000 Ama A{YH$V_ 3 df
`3,00,000 Ho$ AYrZ ZdrH$aU ewH$ Ho$ $n
_| `1,000 + {nN>bo {dmr` df _| A{OV
nm[al{_H$ Ho$ 0.50% H$m dm{fH$ ewH$
Xbmb-gp_l - `40000 `yZV_ `1,25,000 Ama A{YH$V_ 3 df
`5,00,000 Ho$ AYrZ ZdrH$aU ewH$ Ho$ $n
_| "1,000 + {nN>bo {dmr` df _| A{OV
nm[al{_H$ Ho$ 0.50% H$m dm{fH$ ewH$
7 gd}jH$ Ama hm{Z {ZYmaH$ - `1000 ZdrH$aU ewH$ Ho$ $n _| `100 `{X AmdoXZ 3 df
d`{$H$ Ama H$manmoaoQ> g_m{ go 30 {XZ nhbo Xm{Ib H$s JB hmo,
ZdrH$aU ewH$ Ho$ $n _| `850 `750 Ho$
XS> g{hV, `{X ZdrH$aU AmdoXZ ~mX _|,
naVw bmBg|g H$s g_m{ H$s VmarI go N>h
_hrZo nhbo Xm{Ib {H$`m J`m hmo&
8 H$manmoaoQ> EO|Q> dmng Z H$aZo `mo` ewH$ `25000 gWm `25000 grAmoAma Ho$ ZdrH$aU Ho$ {bE 3 df
`10,000 Ho$ {bE nOrH$aU `500 YmZ A{YH$mar/{d{Z{X> `{$/
_mUn hoVw VWm m{YH$V g`mnH$ H$mo _mUn Ho$
`500 YmZ ZdrH$aU Ho$ {bE
A{YH$mar/{d{Z{X>
`{$/m{YH$V
g`mnH$ H$mo
_mUn Ho$ {bE
9 do~ gJmhH$ - `10000 `10000 3 df
10 gm_m` godm Ho$ -
{deof `moOZ _m`_ - - `1000 3 df
11 [a\$ab - `10,000 `10000 3 df
12 ~r_m {dnUZ \$_ - `5000 `2000 3 df
13 ~r_m [anmo{OQ>ar `10000 `100000 `50000 3 df
{Q>nUr: bmJy ewH$ H$s am{e na godm H$a go 1.4.2016 go Ny>Q> Xr JB h&
157
 dm{fH$ [anmoQ> 2015-16

AZw~Y 3(i)
^maVr` ~r_mH$V OrdZ _`w-Xa (2006-08) `yEbQ>r.
AmBAmaS>rE (~r_mH$VmAm| H$s AmpV`m, Xo`VmE Ama emoYj_Vm _m{OZ) {d{Z`_, 2000 Ho$ {d{Z`_ 4 Ho$ Ame` Ho$ AVJV H$m{eV
_`w-Xa gmaUr Omo 1 Ab 2013 go ^mdr h&
AmBAmaS>rE Ho$ n {XZmH$ 20 \$adar 2013 Ho$ AZwgma CZH$s gh_{V go H$m{eV&
Am`w {ZH$Q>V_ O_{XZ Ho$ $n _| n[a^m{fV h&
Am`w (x) _`w-Xa (qx) Am`w (x) _`w-Xa (qx)
0 0.004445 27 0.001004
1 0.003897 28 0.001017
2 0.002935 29 0.001034
3 0.002212 30 0.001056
4 0.001670 31 0.001084
5 0.001265 32 0.001119
6 0.000964 33 0.001164
7 0.000744 34 0.001218
8 0.000590 35 0.001282
9 0.000492 36 0.001358
10 0.000440 37 0.001447
11 0.000428 38 0.001549
12 0.000448 39 0.001667
13 0.000491 40 0.001803
14 0.000549 41 0.001959
15 0.000614 42 0.002140
16 0.000680 43 0.002350
17 0.000743 44 0.002593
18 0.000800 45 0.002874
19 0.000848 46 0.003197
20 0.000888 47 0.003567
21 0.000919 48 0.003983
22 0.000943 49 0.004444
23 0.000961 50 0.004946
24 0.000974 51 0.005483
25 0.000984 52 0.006051
26 0.000994 53 0.006643

158
 dm{fH$ [anmoQ> 2015-16

Omar.AZw~Y 3(i)
^maVr` ~r_mH$V OrdZ _`w-Xa (2006-08) `yEbQ>r.
Am`w (x) _`w-Xa (qx) Am`w (x) _`w-Xa (qx)
54 0.007256 85 0.091982
55 0.007888 86 0.099930
56 0.008543 87 0.108540
57 0.009225 88 0.117866
58 0.009944 89 0.127963
59 0.010709 90 0.138895
60 0.011534 91 0.150727
61 0.012431 92 0.163532
62 0.013414 93 0.177387
63 0.014497 94 0.192374
64 0.015691 95 0.208585
65 0.017009 96 0.226114
66 0.018462 97 0.245067
67 0.020061 98 0.265555
68 0.021819 99 0.287699
69 0.023746 100 0.311628
70 0.025855 101 0.337482
71 0.028159 102 0.365411
72 0.030673 103 0.395577
73 0.033412 104 0.428153
74 0.036394 105 0.463327
75 0.039637 106 0.501298
76 0.043162 107 0.542284
77 0.046991 108 0.586516
78 0.051149 109 0.634244
79 0.055662 110 0.685737
80 0.060558 111 0.741283
81 0.065870 112 0.801191
82 0.071630 113 0.865795
83 0.077876 114 0.935453
84 0.084645 115 0.985796

159
 dm{fH$ [anmoQ> 2015-16

AZw~Y 3(ii)
H$m{eV _`w-Xa gma{U`m
AmBAmaS>rE (~r_mH$VmAm| H$s AmpV`m, Xo`VmE Ama emoYj_Vm _m{OZ) {d{Z`_, 2000 Ho$ {d{Z`_ 4 Ho$ Ame` Ho$ AVJV
dm{fH$sJm{h`m| Ho$ {bE _`w-Xa - EbAmBgr (E) (1996-98) A{V_ Xa|
Am`w _`w-Xa Am`w _`w-Xa
(x) (qx) (x) (qx)

20 0.000919 48 0.003438
21 0.000961 49 0.003816
22 0.000999 50 0.004243
23 0.001033 51 0.004719
24 0.001063 52 0.005386
25 0.001090 53 0.006058
26 0.001113 54 0.006730
27 0.001132 55 0.007401
28 0.001147 56 0.008069
29 0.001159 57 0.008710
30 0.001166 58 0.009397
31 0.001170 59 0.010130
32 0.001170 60 0.010907
33 0.001171 61 0.011721
34 0.001201 62 0.011750
35 0.001246 63 0.012120
36 0.001308 64 0.012833
37 0.001387 65 0.013889
38 0.001482 66 0.015286
39 0.001593 67 0.017026
40 0.001721 68 0.019109
41 0.001865 69 0.021534
42 0.002053 70 0.024301
43 0.002247 71 0.027410
44 0.002418 72 0.030862
45 0.002602 73 0.034656
46 0.002832 74 0.038793
47 0.003110 75 0.043272

160
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 3(ii)

H$m{eV _`w-Xa gma{U`m
AmBAmaS>rE (~r_mH$VmAm| H$s AmpV`m, Xo`VmE Ama emoYj_Vm _m{OZ) {d{Z`_, 2000 Ho$ {d{Z`_ 4 Ho$ Ame` Ho$ AVJV
dm{fH$sJm{h`m| Ho$ {bE _`w-Xa - EbAmBgr (E) (1996-98) A{V_ Xa|
Am`w _`w-Xa Am`w _`w-Xa
(x) (qx) (x) (qx)

76 0.048093 98 0.240778
77 0.053257 99 0.253473
78 0.058763 100 0.266511
79 0.064611 101 0.279892
80 0.070802 102 0.293614
81 0.077335 103 0.307679
82 0.084210 104 0.322087
83 0.091428 105 0.336836
84 0.098988 106 0.351928
85 0.106891 107 0.367363
86 0.115136 108 0.383139
87 0.123723 109 0.399258
88 0.132652 110 0.415720
89 0.141924 111 0.432524
90 0.151539 112 0.449670
91 0.161495 113 0.467159
92 0.171794 114 0.484989
93 0.182436 115 0.503163
94 0.193419 116 0.521678
95 0.204746 117 0.540536
96 0.216414 118 0.559737
97 0.228425

161
 dm{fH$ [anmoQ> 2015-16

AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
1 ~OmO Abm`O bmB\$ ~OmO Abm`O bmB\$ OZ gwajm `moOZm 116EZ138dr01
B`moa|g H$nZr {b. ~OmO Abm`O bmB\$ ~r_m gM` `moOZm 116EZ136dr02
~OmO Abm`O bmB\$ ~r_m gM` `moOZm 116EZ136dr01
~OmO Abm`O bmB\$ ~r_m YZ gwajm `moOZm 116EZ135dr02
~OmO Abm`O bmB\$ ~r_m YZ gwajm `moOZm 116EZ135dr01
~OmO Abm`O bmB\$ gwna bmB\$ E`moa 116EZ134dr01
~OmO Abm`O grEggr ~MV bg 116EZ132dr01
~OmO Abm`O H$e E`moa 116EZ131dr01
~OmO Abm`O Jyn Ho${S>Q> moQo>eZ bg 116EZ094dr03
~OmO Abm`O Jyn Eo`yBQ>r 116EZ059dr04
~OmO Abm`O n|eZ JmaQ>r 116EZ036dr05
~OmO Abm`O Jyn Q>_ bmB\$ 116EZ021dr03
~OmO Abm`O bmB\$ q{gnb JoZ 116Eb137dr01
~OmO Abm`O Jyn BbmB ~o{Z{\$Q> bmZ 116EZ104dr03
~OmO Abm`O bmB\$ _r OrdZ `mo{V ~r_m `moOZm 116Or133dr01
~OmO Abm`O Jyn EogobaoQo>S> {H${Q>H$b BbZog amBS>a 116~r026dr02
2 [abm`g bmB\$ B`moa|g [abm`g Jyn Ho${S>Q> E`moa bg 121EZ115dr01
H$nZr {b. [abm`g n|eZ {~S>a 121EZ113dr01
[abm`g hmob bmB\$ BH$_ 121EZ112dr01
[abm`g AmZbmBZ BH$_ moQo>Q> 121EZ111dr01
[abm`g bmB\$ bmJ goqdO 121EZ110dr01
[abm`g `yMa BH$_ 121EZ109dr01
[abm`O BH$sqOJ BH$_ B`moa|g bmZ 121EZ108dr01
[abm`g {\$S> _Zr ~H$ 121EZ107dr01
[abm`g r{_`a doW B`moa|g bmZ 121Eb114dr01
3 Adrdm bmB\$ B`moa|g Adrdm YZ d{ bg 122EZ110dr01
H$nZr B{S>`m mBdoQ> {b. Adrdm grEggr ~r_m bm^ `moOZm 122EZ109dr01
Adrdm AmB-bmB\$ go`ya 122EZ104dr02
Adrdm `y \${_br BH$_ {~S>a 122EZ103dr02
Adrdm H$manmoaoQ> erS> bg 122EZ066dr04
Adrdm AbwEg 122Eb111dr01
Adrdm AmB-JmoW 122Eb106dr02
Adrdm bmBd _mQ> bmZ 122Eb098dr03
Adrdm bmB\$ ~mS> AS>dmQo>O 122Eb086dr03

162
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
4 {~S>bm gZ bmB\$ ~rEgEbAmB hmpnQ>b bg bmZ 109EZ101dr01
B`moa|g H$nZr {b. ~rEgEbAmB Jyn goqdO E`wa|g bmZ 109EZ098dr01
~rEgEbAmB Jyn H$ngo`ya bmZ 109EZ084dr02
~rEgEbAmB B_r{S>`oQ> Eo`wBQ>r bmZ 109EZ083dr03
~rEgEbAmB Jyn H$ngo`ya n|eZ bmZ 109EZ082dr02
~rEgEbAmB Jyn moQo>eZ gmo`yeg 109EZ006dr05
~rEgEbAmB doW EonmBa bmZ 109Eb100dr01
~rEgEbAmB doW _g bmZ 109Eb073dr03
~rEgEbAmB YmZ _r OrdZ `mo{V ~r_m `moOZm 109Or099dr01
~rEgEbAmB {H${Q>b BbZog amBS>a 109~r019dr03
~rEgEbAmB EopgS|>Q> So>W ES> {S>Oo{~{bQ>r amBS>a 109~r018dr03
~rEgEbAmB hmpnQ>b Ho$Aa amBS>a 109~r016dr03
~rEgEbAmB g{OH$b Ho$Aa amBS>a 109~r015dr03
5 AmBgrAmBgrAmB wSo>pe`b AmBgrAmBgrAmB y AmBmoQo>Q> _mQ> 105EZ151dr01
bmB\$ B`moa|g H$nZr {b. AmBgrAmBgrAmB y bmoZ moQo>Q> bg 105EZ150dr01
AmBgrAmBgrAmB y bmB\$ ajm 105EZ149dr01
AmBgrAmBgrAmB y Jyn gwajm bg gynaEo`wEeZ 105EZ148dr01
AmBgrAmBgrAmB y Jyn gwajm bg 105EZ147dr01
AmBgrAmBgrAmB y Jyn Q>_ bg 105EZ119dr03
AmBgrAmBgrAmB y gd OZ gwajm 105EZ081dr03
AmBgrAmBgrAmB y Jyn B`moa|g H$s_ \$ma
YmZ _r OrdZ `mo{V ~r_m `moOZm 105Or146dr01
AmBgrAmBgrAmB y `y{ZQ> qbS> EopgS|>Q>b So>W amBS>a 105E025dr01
6 EMS>rE\$gr Q>S>S> bmB\$ EMS>rE\$gr bmB\$ BOr hoW 101EZ110dr01
B`moa|g H$nZr {b. EMS>rE\$gr H$ga Ho$Aa 101EZ106dr01
EMS>rE\$gr bmB\$ CX` 101EZ105dr01
EMS>rE\$gr bmB\$ grEggr gwajm bmZ 101EZ104dr01
EMS>rE\$gr bmB\$ gM` 101EZ097dr02
EMS>rE\$gr bmB\$ JmaQ>rS> n|eZ bmZ 101EZ092dr02
EMS>rE\$gr bmB\$ ngZb n|eZ bg 101EZ091dr02
EMS>rE\$gr bmB\$ `y B_r{S>EQ> Eo`wBQ>r bmZ 101EZ084dr03
EMS>rE\$gr bmB\$ `y B_r{S>EQ> Eo`wBQ>r bmZ 101EZ084dr02
EMS>rE\$gr EgEb gdJm_rU ~MV `moOZm (gy_ ~r_m CnmX) 101EZ069dr03
EMS>rE\$gr bmB\$ A`moS> n|eZ bmZ 101Eb109dr02
EMS>rE\$gr bmB\$ E`moS> n|eZ bmZ 101Eb109dr01
(Omar..) EMS>rE\$gr bmB\$ pbH$ 2 [aQ>m`a 101Eb108dr02

163
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
(Omar...) EMS>rE\$gr Q>S>S> bmB\$ EMS>rE\$gr bmB\$ pbH$ 2 [aQ>m`a 101Eb108dr01
B`moa|g H$nZr {b. EMS>rE\$gr bmB\$ qgJb r{_`_ n|eZ gyna 101Eb086dr03
EMS>rE\$gr bmB\$ n|eZ gyna bg 101Eb085dr03
EMS>rE\$gr bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm bmZ 101Or107dr01
EMS>rE\$gr bmB\$ {H${Q>H$b BbZog bg amBS>a 101~r014dr01
7 EgmBS> bmB\$ EgmBS> bmB\$ `y B_r{S>EQ> Eo`wBQ>r {dW [aQ>Z Am\$ nM}O mBg 114EZ081dr01
B`moa|g H$nZr {b. EgmBS> bmB\$ Q>ma goda 114EZ080dr01
EgmBS> bmB\$ Q>_ bmZ 114EZ076dr01
EgmBS> bmB\$ Jyn Q>{S>eZb BbmB ~o{Z{\$Q> bmZ 114EZ075dr01
EgmBS> bmB\$ JmoS>Z B`g [aQ>m`a_|Q> bmZ 114EZ065dr02
EgmBS> bmB\$ doW _pg_m 114Eb079dr01
EgmBS> bmB\$ Jyn J`wBQ>r mS>Q> 114Eb078dr02
EgmBS> bmB\$ Jyn J`wBQ>r mS>Q> 114Eb078dr01
EgmBS> bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm 114Or077dr01
EgmBS> bmB\$ Jyn BbZog amBS>a 114~r010dr01
8 ^maVr` OrdZ ~r_m {ZJ_ EbAmBgr H$s OrdZ J{V bmZ 512EZ306dr01
EbAmBgr H$m OrdZ {eIa 512EZ305dr01
EbAmBgr H$m OrdZ bm^ 512EZ304dr01
EbAmBgr H$m Jyn Ho${S>Q> bmB\$ B`moa|g 512EZ302dr01
EbAmBgr H$m OrdZ VU 512EZ299dr01
EbAmBgr H$m `y BS>mo_|Q> bg 512Eb301dr01
EbAmBgr H$s YmZ _r OrdZ `mo{V ~r_m `moOZm 512Or300dr01
EbAmBgr H$s r{_`_ doda ~o{Z{\$Q> amBS>a 512~r204dr02
EbAmBgr H$s qbS> EopgS|>Q>b So>W ~o{Z{\$Q> amBS>a 512E211dr01
9 _g bmB\$ _g bmB\$ _Wbr BH$_ AS>dmQo>O bmZ 104EZ091dr01
B`moa|g H$nZr {b. _g bmB\$ gyna Q>_ bmZ 104EZ086dr02
_g bmB\$ hmob bmB\$ gyna bmZ 104EZ080dr02
_g bmB\$ bmB\$ JoZ r{_`a 104EZ079dr02
_g bmB\$ bo{Q>Z_ doW bmZ 104Eb090dr01
_g bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm 104Or089dr01
_g bmB\$ Jny {H${Q>H$b BbZog (A{V[a$ bm^) r{_`a amBS>a 104~r031dr01
_g bmB\$ Jny Q>mQo >b ES> n_ZQ| > {S>O{~{bQ>r (EopgS|>Q>) r{_`a amBS>a 104~r030dr01
_g bmB\$ doda Am\$ r{_`_ bg amBS>a 104~r029dr01
_g bmB\$ Jyn Eopg{baoQo>S> Q>{_Zb BbZog r{_`a amBS>a 104~r028dr01

164
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
10 nrEZ~r _oQ> bmB\$ B{S>`m _oQ>bmB\$ JmaQ>rH$V BH$_ bmZ 117EZ097dr01
B`moa|g H$nZr {b. _oQ>bmB\$ JmaQ>rH$V ~MV bmZ 117EZ096dr01
_oQ>bmB\$ B_r{S>EQ> Eo`wBQ>r bmZ 117EZ095dr01
_oQ>bmB\$ H$brQ> Ho$Aa bg 117EZ093dr01
_oQ>bmB\$ _oam Q>_ bmZ 117EZ092dr01
_oQ>bmB\$ [aQ>m`a_|Q> ~MV bmZ 117EZ091dr01
_oQ>bmB\$ _oOa BbZog r{_`_ ~H$ H$da 117EZ090dr02
_oQ>bmB\$ ^{d` bg 117EZ089dr02
_oQ>bmB\$ ~MV `moOZm 117EZ088dr02
_oQ>bmB\$ H$mboO bmZ 117EZ087dr02
_oQ>bmB\$ \${_br BH$_ moQo>Q>a bg 117EZ086dr02
_oQ>bmB\$ BS>mo_|Q> ~MV bmZ 117EZ083dr02
_oQ>bmB\$ _m{gH$ Am` bmZ- 10 doVZ 117EZ082dr02
_oQ>bmB\$ _Zr ~H$ bmZ 117EZ081dr02
_oQ>bmB\$ `y{ZQ> qbS> BbmB ~o{Z{\$Q>g bmZ 117Eb084dr02
_oQ>bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm bmZ 117Or094dr01
_oQ>bmB\$ {H${Q>H$b BbZog amBS>a 117~r023dr01
_oQ>bmB\$ EopgS|>Q>b {S>Oo{~{bQ>r ~o{Z{\$Q> amBS>a 117~r022dr01
_oQ>bmB\$ gr[a`g BbZog amBS>a (Ag~) 117~r021dr01
_oQ>bmB\$ EopgS|>Q>b So>W ~o{Z{\$Q> amBS>a bg 117~r020dr01
11 H$moQ>H$ _{hm Amo_ H$moQ>H$ r{_`a bmB\$ bmZ 107EZ096dr01
bmB\$ B`moa|g {b. H$moQ>H$ BH$_ moQo>eZ bmZ 107EZ095dr01
H$moQ>H$ r{_`a n|eZ bmZ 107EZ094dr01
H$moQ>H$ B-bmB\$Q>mB_ BH$_ bmZ 107EZ085dr02
H$moQ>H$ qgJb BdoQ> bg bmZ 107Eb075dr02
H$moQ>H$ bo{Q>Z_ 107Eb067dr03
H$moQ>H$ qgJb BdoQ> ES>dmQo>O 107Eb065dr03
H$moQ>H$ Eg BdoQ>_|Q> 107Eb064dr03
H$moQ>H$ J`wBQ>r Jyn bmZ- Ho$OrOrnr 107Eb010dr06
H$moQ>H$ YmZ _r OrdZ `mo{V ~r_m `moOZm 107Or093dr01
H$moQ>H$ B-EopgS|>Q>b So>W ~o{Z{\$Q> amBS>a 107~r019dr01
H$moQ>H$ {H${Q>H$b BbZog bg ~o{Z{\$Q> amBS>a (Ag~ gm_y{hH$ amBS>a) 107~r015dr03
H$moQ>H$ {H${Q>H$b BbZog ~o{Z{\$Q> amBS>a (Ag~ gm_y{hH$ amBS>a) 107~r009dr04
H$moQ>H$ EopgS|>Q>b So>W ~o{Z{\$Q> amBS>a (Ag~ gm_y{hH$ amBS>a) 107~r005dr04
H$moQ>H$ n_Z|Q> {S>Oo{~{bQ>r ~o{Z{\$Q> (amBS>a) 107~r002dr03
(Omar..) H$moQ>H$ EopgS|>Q>b So>W ~o{Z{\$Q> (amBS>a) 107~r001dr03

165
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
(Omar...) H$moQ>H$ _{hm Amo_ H$moQ>H$ n_Z|Q> {S>Oo{~{bQ>r ~o{Z{\$Q> amBS>a (g~) 107E018dr01
bmB\$ B`moa|g {b. H$moQ>H$ EopgS|>Q>b So>W ~o{Z{\$Q> amBS>a (g~) 107E017dr01
12 Eg~rAmB bmB\$ Eg~rAmB bmB\$ _mQ> dr_oZ ES>dmQo>O 111EZ106dr01
B`moa|g H$nZr {b. Eg~rAmB bmB\$ B-BH$_ erS> 111EZ105dr01
Eg~rAmB bmB\$ _mQ> dYZ bg 111EZ104dr01
Eg~rAmB bmB\$ _mQ> h_g\$a 111EZ103dr01
Eg~rAmB bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm 111Or102dr01
13 Q>mQ>m EAmBE bmB\$ Q>mQ>m EAmBE bmB\$ JwS> {H$S> 110EZ127dr01
B`moa|g H$nZr {b. Q>mQ>m EAmBE bmB\$ B`moa|g _mQ> BH$_ bg 110EZ126dr01
Q>mQ>m EAmBE bmB\$ B`moa|g _Wbr B`moa|g bmZ 110EZ125dr01
Q>mQ>m EAmBE bmB\$ B`moa|g \$sS>_ 110EZ124dr01
Q>mQ>m EAmBE bmB\$ B`moa|g gmW-gmW - gy_ ~r_m CnmX 110EZ123dr01
Q>mQ>m EAmBE bmB\$ B`moa|g \$m`yZ JmaQ>r 110EZ120dr01
Q>mQ>m EAmBE bmB\$ B`moa|g _Zr ~H$ bg 110EZ119dr01
Q>mQ>m EAmBE bmB\$ B`moa|g gyna AMrda 110Eb122dr01
Q>mQ>m EAmBE bmB\$ B`moa|g BdoQ> dZ 110Eb121dr01
Q>mQ>m EAmBE bmB\$ B`moa|g doda Am\$ r{_`_ bg amBS>a 110~r029dr01
Q>mQ>m EAmBE bmB\$ B`moa|g EopgS|>Q>b So>W ES> {S>g_|~a_|Q>
(bmJ Ho$b)(ES>rS>rEb) Ag~ amBS>a 110~r028dr01
14 ghmam B{S>`m bmB\$
B`moa|g H$nZr {b. Hw$N> Zht
15 ^maVr Agm bmB\$ ^maVr Agm bmB\$ gyna grarO 130EZ066dr01
B`moa|g H$nZr {b. ^maVr Agm bmB\$ MmBS> AS>dmQo>O 130EZ065dr01
^maVr Agm bmB\$ - BdoQ> dg 130EZ064dr01
^maVr Agm bmB\$ B-`yMa BdoQ> 130Eb063dr01
^maVr Agm bmB\$ EopgS|>Q>b So>W ~o{Z{\$Q> amBS>a 130~r008dr01
^maVr Agm bmB\$ r{_`_ doda amBS>a 130~r005dr03
16 lram_ bmB\$ lram_ OZ ghm` 128EZ062dr01
B`moa|g H$nZr {b. lram_ bmB\$ \${_br moQo>eZ bmZ 128EZ061dr01
lram_ bmB\$ E`moS> BH$_ bg 128EZ060dr01
lram_ bmB\$ go`ya bg bmZ 128EZ059dr01
lram_ Jm_rU gwajm 128EZ057dr01
lram_ Jyn Q>_ bmB\$ B`moa|g bmZ 128EZ042dr02
lram_ Jyn Q>_ bmB\$ B`moa|g BZ `y Am\$ BS>rEbAmB 128EZ040dr02
lram_ bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm 128Or058dr01
lram_ {H${Q>H$b BbZog Ho$Aa amBS>a 128E014dr01

166
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
17 `yMa OZambr B{S>`m bmB\$ `yMa OZambr `y gab AmZX 133EZ062dr01
B`moa|g H$nZr {b. `yMa OZambr OZ gwajm bg 133EZ060dr01
`yMa OZambr OZ gwajm 133EZ059dr01
`yMa OZambr bogr AmZbmBZ Q>_ bmZ 133EZ058dr01
`yMa OZambr E`moS> EOwHo$eZ bmZ 133EZ057dr01
`yMa OZambr bmoZ gwajm 133EZ053dr02
`yMa OZambr BOr BdoQ> AmZbmBZ bmZ 133Eb061dr01
18 AmBS>r~rAmB \o$S>ab bmB\$ AmBS>r~rAmB \o$S>ab bmoZ E`moa|g Jyn B`moa|g bmZ 135EZ041dr01
B`moa|g H$nZr {b. AmBS>r~rAmB \o$S>ab BH$_`moa|g JmaQ>rS> _Zr
~H$ B`moa|g bmZ 7 doVZ 135EZ042dr01
19 Ho$Zam EMEg~rgr Amo[a`Q>b Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g 136EZ038dr01
~H$ Am\$ H$m_g bmB\$ bmB\$ B`moa|g g_ ^{d`
B`moa|g H$nZr {b.
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g bmB\$
B`moa|g _mQ> `yMa BH$_ bmZ 136EZ036dr01
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g
bmB\$ B`moa|g _mQ> d{ bmZ 136EZ035dr01
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g
bmB\$ B`moa|g _mQ> B_r{S>EQ> BH$_ bmZ 136EZ034dr01
Ho$Zam EMEg~rgr Amo~rgr bmB\$ H$manmoaoQ> Jyn Q>_ bmZ 136EZ020dr03
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g
B`moa|g _mQ> `yMa bmZ 136Eb037dr01
Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$ H$m_g
bmB\$ B`moa|g YmZ _r OrdZ `mo{V ~r_m `moOZm 136Or033dr01
20 S>rEME\$Eb m_o[aH$m S>rEME\$Eb m_o[aH$m _mQ> \$s moQo>Q> 140EZ050dr01
bmB\$ B`moa|g H$nZr {b. S>rEME\$Eb m_o[aH$m ajH$ JmoS> 140EZ049dr01
S>rEME\$Eb m_o[aH$m __ E`moa 140EZ047dr01
S>rEME\$Eb m_o[aH$m B-god 140EZ046dr01
S>rEME\$Eb m_o[aH$m _mQ> _Zr ~H$ 140EZ045dr01
S>rEME\$Eb m_o[aH$m _mQ> BH$_ 140EZ044dr01
S>rEME\$Eb m_o[aH$m Jyn Q>_ bmZ 140EZ034dr03
S>rEME\$Eb m_o[aH$m gd gwajm 140EZ007dr03
S>rEME\$Eb m_o[aH$m YmZ _r OrdZ `mo{V ~r_m `moOZm 140Or048dr01
S>rEME\$Eb m_o[aH$m Jny Q>o{S>eZb EopgS|>Q>b Q>mQo >b ES> n_ZQ| >
{S>O{o ~{bQ>r (EQ>rnrS>r) ES> EpgS|>Q>b So>W ~o{Z{\$Q> (ES>r~r) amBS>a 140~r008dr01
S>rEME\$Eb m_o[aH$m Qo>{S>eZb doda Am\$ r{_`_ amBS>a 140~r007dr01

167
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 4
df 2015-16 _| AmBAmaS>rEAmB mam AZw_mo{XV OrdZ ~r_m CnmXm| Ama AZwd{`m| (amBS>am|) H$s gyMr
H$_ g. H$nZr H$m Zm_ CnmX H$m Zm_ `yAmBEZ
21 EBJmZ ao{bJoa bmB\$ EBJmZ bmB\$ Jyn Ho${S>Q> erS> B`moa|g bmZ 138EZ057dr01
B`moa|g H$nZr {b. EBJmZ bmB\$ aoJwba _Zr ~H$ B`moa|g bmZ 138EZ056dr01
EBJmZ ao{bJoa OrdZ em{V B`moa|g bmZ 138EZ055dr01
EBJmZ ao{bJoa AmB-BH$_ B`moa|g bmZ 138EZ054dr01
EBJmZ ao{bJoa AmB-H$ga B`moa|g bmZ 138EZ053dr01
EBJmZ ao{bJoa AmB-{S>Oo{~{bQ>r amBS>a 138~r014dr01
EBJmZ ao{bJoa r{_`_ erS> amBS>a 138~r013dr01
EBJmZ ao{bJoa S>`yAmonr AmZ grAmB dmBQ> bmB\$ amBS>a 138~r012dr01
22 Q>ma `y{Z`Z XmB-BMr Eg`yS>r bmB\$ Amamo`_ 142EZ051dr01
bmB\$ B`moa|g H$nZr {b. Eg`yS>r bmB\$ Am`w_mZ 142EZ050dr01
Eg`yS>r bmB\$ B_r{S>EQ> Eo`wBQ>r bg 142EZ048dr02
Eg`yS>r bmB\$ B_r{S>EQ> Eo`wBQ>r bg 142EZ048dr01
Eg`yS>r bmB\$ E`yS> BH$_ bmZ 142EZ045dr02
Eg`yS>r bmB\$ OrdZ Aml` 142EZ044dr02
Eg`yS>r bmBg EbmBQ> E`moa 142EZ040dr02
Eg`yS>r bmB\$ ~mBQ> MmBS> 142EZ039dr02
Eg`yS>r bmB\$ {ejm gwajm 2 bmZ 142EZ038dr02
Q>ma `y{Z`Z XmB-BMrg JmaQ>rS> _Zr ~H$ bmZ 142EZ036dr02
Eg`yS>r bmB\$ Jyn [aQ>m`a_|Q> ~o{Z{\$Q> bmZ 142Eb049dr01
Eg`yS>r bmB\$ YmZ _r OrdZ `mo{V ~r_m `moOZm 142Or047dr01
Eg`yS>r bmB\$ \${_br BH$_ ~o{Z{\$Q> amBS>a - Q>{S>eZb 142~r007dr01
23 B{S>`m \$Q> bmB\$ B{S>`m \$Q> _mg _mH}$Q> B`moa|g bmZ 143EZ028dr01
B`moa|g H$nZr {b. B{S>`m \$Q> B_r{S>EQ> Eo`wBQ>r bmZ 143EZ027dr01
B{S>`m \$Q> JmaQ>rS> [aQ>m`a_|Q> bmZ 143EZ026dr01
B{S>`m \$Q> _hm OrdZ bmZ 143EZ018dr03
B{S>`m \$Q> _Zr ~b|g bmZ 143Eb017dr03
B{S>`m \$Q> YmZ _r OrdZ `mo{V ~r_m `moOZm bmZ 143Or025dr01
24 Edelweiss Tokio ESo>bdoBg Q>mo{H$`mo bmB\$ - {gbr moQo>Q> 147EZ035dr01
Life Insurance Co. Ltd. ESo>bdoBg Q>mo{H$`mo bmB\$ - YZ bm^ 147EZ033dr01
ESo>bdoBg Q>mo{H$`mo bmB\$ - {Q>nb AS>dmQo>O bmZ 147EZ032dr01
ESo>bdoBg Q>mo{H$`mo bmB\$ - OrgrEnr 147EZ031dr01
ESo>bdoBg Q>mo{H$`mo bmB\$ - doW {~S>a 147EZ026dr02
ESo>bdoBg Q>mo{H$`mo bmB\$ - B_r{S>EQ> Eo`wBQ>r bmZ 147EZ019dr02
ESo>bdoBg Q>mo{H$`mo bmB\$ - Jyn bmB\$ moQo>eZ 147EZ008dr03
ESo>bdoBg Q>mo{H$`mo bmB\$ - BOr n|eZ 147Eb034dr01

168

31.03.2016 H$mo {d_mZ OrdZ ~r_mH$VmAm| Ho$ gy_ ~r_m CnmXm| H$mo gyMr
~r_mH$Vm
Adrdm bmB\$
~OmO Abm`O bmB\$
^maVr Agm bmB\$
{~S>bm gZbmB\$
Ho$Zam EMEg~rgr Amo~rgr bmB\$
S>rEME\$Eb m_o[aH$m bmB\$
ESo>bdoBg Q>m{o H$`mo bmB\$
EMS>rE\$gr Q>S>S> bmB\$
AmBgrAmBgrAmB yS>ope`b bmB\$
AmBS>r~rAmB \o$S>ab bmB\$
H$moQ>H$ _{hm bmB\$
nrEZ~r _oQ>bmB\$
ghmam bmB\$
Eg~rAmB bmB\$
lram_ bmB\$
Q>mQ>m EAmBE bmB\$
^maVr` OrdZ ~r_m {ZJ_
dm{fH$ [anmoQ> 2015-16
AZw~Y 5
CnmX H$m Zm_
d`{$H$ loUr gm_y{hH$ loUr
Adrdm ZB Jm_rU gwajm -
~OmO Abm`O bmB\$ ~r_m YZ gwajm `moOZm -
~OmO Abm`O bmB\$ ~r_m YZ gwajm `moOZm -
~OmO Abm`O bmB\$ ~r_m gM` `moOZm -
- ^maVr Agm bmB\$ OZ gwajm
~rEgEbAmB ~r_m gwajm gyna -
~rEgEbAmB Jm_rU OrdZ ajm -
- Ho$Zam EMEg~rgr Amo[a`Q>b ~H$ Am\$
H$m_g bmB\$ B`moag| gnUy H$dM bmZ
- S>rEME\$Eb m_o[aH$m gd gwajm
ESo>bdoBg Q>m{o H$`mo bmB\$ ajm H$dM -
ESo>bdoBg Q>m{o H$`mo bmB\$ YZ {Zdoe ~r_m `moOZm -
EMS>rE\$gr EgEb gdJm _rU ~MV `moOZm -
AmBgrAmBgrAmB y AZ_mob ~MV -
AmBgrAmBgrAmB y gd OZ gwajm -
Q>_ `moag| gnUy gwajm _mBH$mo-B`moag| bmZ AmBS>r~rAmB \o$S>ab Jny _mBH$mo`moag| bmZ
gnUy ~r_m _mBH$mo-B`moag| bmZ
_oQ>bmB\$ Jm_rU Aml` -
ghmam gwa{jV n[adma OrdZ ~r_m -
Eg~rAmB bmB\$ Jm_rU ~r_m Eg~rAmB bmB\$ Jm_rU gyna gwajm
- Eg~rAmB bmB\$ Jm_rU e{$
- lr ghm` Egnr
Q>mQ>m EAmBE bmB\$ B`moag| ZdH$`mU `moOZm -
Q>mQ>m EAmBE bmB\$ B`moag| gmW gmW -
`y OrdZ _Jb -
^m` b_r -
169

{dmr` df 2015-16 Ho$ XmamZ AZw_mo{XV Ja-OrdZ ~r_m CnmX
H$_ g. ~r_mH$Vm H$m Zm_
1 ~OmO Abm`O gmYmaU
~r_m H$nZr {b{_Qo>S>
2 ^maVr Agm gmYmaU ~r_m
H$nZr {b{_Qo>S>
3 Mmobm_S>b_ E_Eg gmYmaU
~r_m H$nZr {b{_Qo>S>
4 BgrOrgr {b{_Qo>S>
5 EMS>rE\$gr EaJmo gmYmaU
~r_m H$nZr {b{_Qo>S>
dm{fH$ [anmoQ> 2015-16
AZw~Y 6
CnmX/ EoS>-AmZ H$m Zm_ `yAmBEZ
{dVm[aV dmaQ>r - gemoYZ ~rEEb-AmoQ>r-nr15-04-dr02-15-16
gmB~a moQo>Q> ~rEEb-EbAmB-nr15-11-dr01-15-16
H$_{e`b H$mB_ B`moa|g nm{bgr ~rEEb-EbAmB-nr15-16-dr01-15-16
~OmO Abm`O Ho$dr~r gwajm bg ~rEEb-AmoQ>r-nr16-62-dr01-15-16
XrKH$m{bH$ Qy> hrba nHo$O nm{bgr ~rEEb-E_Amo-nr16-65-dr01-15-16
_wJu nmbZ ~r_m ~rEEb-AmoQ>r-nr16-67-dr01-15-16
doXa BSo>g bg doXa moQo>Q> B`moa|g nm{bgr Ho$ {bE H$da EoS>-AmZ ~rEEb-S>`yB-E00-00-30-dr01-15-16
Qy> hrba nHo$O nm{bgr EoS> AmZ H$da - 247 nmQ> A{gQ>g ~rEEb-E_Amo-E00-00-34-dr01-15-16
\$gb ~r_m - CnO AmYm[aV E_EZEAmBEg ~rEgE-EOr-nr16-29-dr01-15-16
_mg_ ~r_m nm{bgr ~rEgE-S>`yB-nr16-30-dr01-15-16
_moQ>a `mnma AmV[aH$ Omo{I_ ~rEgE-E_Amo-nr16-36-dr01-15-16
_moQ>a `mnma gS>H$ Omo{I_ ~rEgE-E_Amo-nr16-37-dr01-15-16
_moQ>a `mnma gS>H$ _mJW Omo{I_ ~rEgE-E_Amo-nr16-38-dr01-15-16
Amdmgr` ^dZ Ho$ ^y{_ _y` / ^y{_ Ho$ A{d^$ Ae Ho$ _y` H$s
~r_majm Ho$ {bE EoS>-AmZ H$da (EgE\$Egnr nm{bgr Ho$ AVJV) grEME_-E\$AmB-E00-00-29-dr01-15-16
Orgrgrdr nHo$O - `y do{hH$b arbog_|Q> H$da grEME_-E_Amo-E00-00-31-dr01-15-16
Orgrgrdr nHo$O - bmg Am\$ BH$_ H$da grEME_-E_Amo-E00-00-32-dr01-15-16
Orgrgrdr nHo$O - \w$b {S>r{eEeZ doda H$da grEME_-E_Amo-E00-00-33-dr01-15-16
Ho$Vm Ho${S>Q> H$da - gemoYZ BgrOr-grAma-nr16-58-dr02-15-16
{Z`mV Q>ZAmoda nm{bgr - gemoYZ BgrOr-grAma-nr15-59-dr02-15-16
N>moQo> {Z`mVH$ nm{bgr BgrOr-grAma-nr16-68-dr02-15-16
{en_|Q> `mnH$ Omo{I_ (EggrAma) nm{bgr BgrOr-grAma-nr16-69-dr02-15-16
godmAm| H$m {Z`mV `mnH$ Omo{I_ (EgAmagr) nm{bgr BgrOr-grAma-nr16-70-dr02-15-16
{Z`mV Q>ZAmoda nm{bgr BgrOr-grAma-nr16-71-dr02-15-16
naofU {Z`mV (EgEME) nm{bgr BgrOr-grAma-nr16-72-dr02-15-16
naofU {Z`mV (dpdH$ gWm) nm{bgr BgrOr-grAma-nr16-73-dr02-15-16
dobg `mnH$ ~r_m EMS>rB-AmoQ>r-nr15-39-dr01-15-16
_arZ AnhaU Ama {\$amVr nm{bgr EMS>rB-EbAmB-nr15-60-dr01-15-16
XrKH$m{bH$ Qy> hrba nHo$O nm{bgr EMS>rB-E_Q>r-nr16-77-dr01-15-16
170
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 6
{dmr` df 2015-16 Ho$ XmamZ AZw_mo{XV Ja-OrdZ ~r_m CnmX
H$_ g. ~r_mH$Vm H$m Zm_ CnmX/ EoS>-AmZ H$m Zm_ `yAmBEZ
6 AmBgrAmBgrAmB bmo~mS> gmYmaU ey` _y`mg EoS>-AmZ `mnH$ ~r_m (Qy> hrba - XrKH$m{bH$)
~r_m H$nZr {b{_Qo>S> nm{bgr AmBgrAmB-E_Amo-00-00-11-dr01-15-16
7 BH$mo Q>mo{H$`mo gmYmaU ~r_m OZVm gwajm ~r_m `moOZm AmBQ>rOr-AmoQ>r-nr15-12-dr01-15-16
H$nZr {b{_Qo>S> OZ godm ~r_m `moOZm AmBQ>rOr-AmoQ>r-nr15-13-dr01-15-16
AnamY ~r_m AmBQ>rOr-EbAmB-nr16-57-dr01-15-16
8 H$moQ>H$ _{hm gmYmaU ~r_m H$nZr {b. H$moQ>H$ H$ma go`ya Ho$E_Or-E_Amo-nr16-47-dr01-15-16
H$moQ>H$ Qy> hrba go`ya Ho$E_Or-E_Amo-nr16-48-dr01-15-16
H$moQ>H$ H$_{e`b do{hH$b go`ya (ng|Oa H$arBJ do{hH$b) Ho$E_Or-E_Amo-nr16-49-dr01-15-16
H$moQ>H$ H$_{e`b do{hH$b go`ya (JyS>g Ho$arBJ do{hH$b) Ho$E_Or-E_Amo-nr16-50-dr01-15-16
H$moQ>H$ H$_{e`b do{hH$b go`ya ({d{dY S>r) Ho$E_Or-E_Amo-nr16-51-dr01-15-16
Ho$db Xo`Vm ({ZOr H$a) Ho$E_Or-E_Q>r-nr16-52-dr01-15-16
Ho$db Xo`Vm (Qy> hrba) Ho$E_Or-E_Q>r-nr16-53-dr01-15-16
Ho$db Xo`Vm (Orgrdr) Ho$E_Or-E_Q>r-nr16-54-dr01-15-16
Ho$db Xo`Vm (nrgrdr) Ho$E_Or-E_Q>r-nr16-55-dr01-15-16
Ho$db Xo`Vm ({d{dY S>r) Ho$E_Or-E_Q>r-nr16-56-dr01-15-16
_y`mg H$da Ho$E_Or-E_Amo-E00-00-24-dr01-15-16
Cn^mo` dVwE H$da Ho$E_Or-E_Amo-E00-00-25-dr01-15-16
BOZ moQo>Q> Ho$E_Or-E_Amo-E00-00-26-dr01-15-16
[aQ>Z Qy> BZdmBg Ho$E_Or-E_Amo-E00-00-27-dr01-15-16
amoS>gmBS> A{gQ>g Ho$E_Or-E_Amo-E00-00-28-dr01-15-16
9 Eb ES> Q>r gmYmaU ~r_m H$nZr {H$gmZ nHo$O nm{bgr EbEZQ>r-AmoQ>r-nr16-43-dr01-15-16
{b{_Qo>S> _oar Or{dH$m dm{Up`H$ Ama {d{dY Ed {deof H$ma
Ho$ dmhZ nHo$O nm{bgr EbEZQ>r-E_Amo-nr16-64-dr02-15-16
_mB EogoQ> Qy> hrba nHo$O nm{bgr - aoqQ>J _| gemoYZ EbEZQ>r-E_Amo-nr16-74-dr02-15-16
_mB EogoQ> Qy> hrba nHo$O B`moa|g EbEZQ>r-E_Amo-E00-00-08-dr01-15-16
10 {b~Q>u dr{S>`moH$mZ gmYmaU Qy> hrba nHo$O nm{bgr Ho$ AVJV ~hdfu` nm{bgr {dH$n EbdrOr-E_Amo-nr16-44-dr01-15-16
~r_m H$nZr {b. hmo_ H$ZoQ> EbdrOr-AmoQ>r-nr16-75-dr01-15-16
Qy> hrba nHo$O nm{bgr - EoS> AmZ OrEnr d`y H$da EbdrOr-E_Amo-E00-00-12-dr01-15-16
Qy> hrba nHo$O nm{bgr- EoS> AmZ - amoS>gmBS> A{gQ>g EbdrXr-E_Amo-E00-00-13-dr01-15-16
Qy> hrba nHo$O nm{bgr - EoS> AmZ - E{OZ go\$) EbdrOr-E_Amo-E00-00-14-dr01-15-16
(Omar...) Jn d`y H$da - Q>rS>`y Ho$ AVJV ~hdfu` {dH$n EbdrOr-E_Amo-E00-00-16-dr01-15-16

171
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 6
{dmr` df 2015-16 Ho$ XmamZ AZw_mo{XV Ja-OrdZ ~r_m CnmX
H$_ g. ~r_mH$Vm H$m Zm_ CnmX/ EoS>-AmZ H$m Zm_ `yAmBEZ
(Omar...) {b~Q>u dr{S>`moH$mZ gmYmaU amoS>gmBS> A{gQ>g H$da - Q>rS>`y Ho$ AVJV ~hdfu` {dH$n EbdrOr-E_Amo-E00-00-17-dr01-15-16
~r_m H$nZr {b. E{OZ go\$ - Q>rS>`y Ho$ AVJV ~hdfu` {dH$n EbdrOr-E_Amo-E00-00-18-dr01-15-16
11 ZoeZb B`moa|g H$nZr {b{_Qo>S> XrKH$m{bH$ Qy> hrba nHo$O nm{bgr EZAmBgr-E_Amo-nr16-31-dr01-15-16
Zmo bo_ ~moZg moQo>Q> - {ZOr H$ma nHo$O nm{bgr EZAmBgr-E_Amo-E00-00-04-dr01-15-16
BOZ moQo>Q> - {ZOr H$ma nHo$O nm{bgr EZAmBgr-E_Amo-E00-00-05-dr01-15-16
BOZ moQo>Q> - Qy> hrba nHo$O nm{bgr EZAmBgr-E_Amo-E00-00-06-dr01-15-16
BOZ moQo>Q> - H$_{e`b do{hH$b nHo$O nm{bgr EZAmBgr-E_Amo-E00-00-07-dr01-15-16
EZgr~r moQo>Q> - H$_{e`b do{hH$g nHo$O nm{bgr EZAmBgr-E_Amo-E00-00-09-dr01-15-16
EZgr~r moQo>Q> - Qy> hrbg nHo$O nm{bgr EZAmBgr-E_Amo-E00-00-10-dr01-15-16
BZdmBg moQo>Q> (H$_{e`b do{hH$g nHo$O nm{bgr H$m EoS>-AmZ) EZAmBgr-E_Amo-E00-00-15-dr01-15-16
12 ahoOm `y~rB gmYmaU ~r_m pb{ZH$b Q>m`g ~r_m nm{bgr Ama`y~r-EbAmB-nr16-45-dr02-15-16
H$nZr {b{_Qo>S>
13 am`b gwXa_ gmYmaU ~r_m Amb [ag B`moa|g nm{bgr - gemoYZ AmaEgE-E\$AmB-nr16-63-dr02-15-16
H$nZr {b{_Qo>S> {ZOr H$ma nHo$O nm{bgr - H$s arbog_|Q> bmO AmaEgE-E_Amo-E00-00-03-dr01-15-16
14 Eg~rAmB gmYmaU ~r_m XrKH$m{bH$ Qy> hrba nHo$O nm{bgr Eg~rOr-E_Amo-nr16-66-dr01-15-16
H$nZr {b{_Qo>S> Qo>S> Ho${S>Q> B`moa|g nm{bgr Eg~rOr-grAma-nr16-76-dr02-15-16
15 lram_ gmYmaU ~r_m H$nZr {b{_Qo>S> ~bar B`moa|g - gemoYZ EgOrAmB-AmoQ>r-nr16-61-dr02-15-16
16 Q>mQ>m EAmBOr gmYmaU > B-JmS> (3 df VH$ XrKH$m{bH$) Q>rEOr-AmoQ>r-nr15-05-dr01-15-16
~r_m H$nZr {b{_Qo>S Jm_rU nHo$O nm{bgr Q>rEOr-AmoQ>r-nr15-10-dr01-15-16
{~OZog JmS> - XrKH$m{bH$ E{JH$Ma nngoQ> B`moa|g (9 df VH$) Q>rEOr-AmoQ>r-nr15-14-dr01-15-16
_arZ H$mJm} B`moa|g nm{bgr Q>rEOr-E_gr-nr15-15-dr02-15-16
H$_H$ma {VH$a ~r_m Q>rEOr-AmoQ>r-nr15-17-dr02-15-16
moS>Q> arH$mb B`moa|g Q>rEOr-EbAmB-nr15-35-dr01-15-16
XrKH$m{bH$ Qy> hrba nHo$O nm{bgr Q>rEOr-E_Amo-nr16-46-dr01-15-16
AmQ>mo go`ya - Q>rS>`y EoS>-Amg - A{V[a$ A` nj gn{m j{V H$da Q>rEOr-E_Amo-E00-00-19-dr01-15-16
AmQ>mo go`ya - Q>rS>`y EoS>-Amg - Cn^mo` dVwE - `` Q>rEOr-E_Amo-E00-00-20-dr01-15-16
(Omar....) AmQ>mo go`ya - Q>rS>`y EoS>-Amg - AmnmVr {M{H$gm `` Q>rEOr-E_Amo-E00-00-21-dr01-15-16

172
 dm{fH$ [anmoQ> 2015-16
{dmr` df 2015-16 Ho$ XmamZ AZw_mo{XV Ja-OrdZ ~r_m CnmX
H$_ g. ~r_mH$Vm H$m Zm_ CnmX/ EoS>-AmZ H$m Zm_ `yAmBEZ
(Omar...) Q>mQ>m EAmBOr gmYmaU > AmQ>mo go`ya - Q>rS>`y EoS>-Amg - AmoZa S>mBda H$mo
~r_m H$nZr {b{_Qo>S A{V[a$ d`{$H$ XwKQ>Zm H$da
AmQ>mo go`ya - Q>rS>`y EoS>-Amg - AH${WV `{$`m| H$mo
A{V[a$ d`{$H$ XwKQ>Zm H$da
XrKH$m{bH$ Qy> hrba nHo$O nm{bgr EoS>-AmZ - _y`mg H$m AbmCg
XrKH$m{bH$ Qy> hrba nHo$O nm{bgr EoS>-AmZ - [aQ>Z Qy> BZdmBg
17 Xr `y B{S>`m E`moa|g H$nZr {b{_Qo>S> {\$Q> hm{Z AmYma na Jh gw{dYm nm{bgr
OZ gwajm bKw ~r_m nm{bgr - gy_ ~r_m
`ypb`a n[aMmbH$ (EoQ> Amobr) Xo`Vm nm{bgr
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da - ey` {S>
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da - amoS> Q>g H$da
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da - [aQ>Z Qy> BZdmBg H$da
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da -
Zmo bo_ ~moZg (EZgr~r) moQo>eZ
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da - E{OZ moQo>Q> H$da
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da - A{V[a$ Q>moBJ ^ma H$da
{ZOr H$ma nHo$O nm{bgr - gd{YV H$da - bmg Am\$ H$Q|>Q>g H$da
18 Xr Amo[a`Q>b B`moa|g H$nZr {b{_Qo>S> S>`ygr nm{bgr Ho$ {bE _o{S>H$b EH$Qo>eZ EoS>-AmZ
19 `wZmBQo>S> B{S>`m B`moa|g H$nZr {b{_Qo>S> EpO`y{Q>d moQo>Q> ({ZXoeH$ Ama A{YH$mar)
XwH$mZXma H$m ~r_m
`yEZAmB CnmX Xo`Vm ~r_m
`yEZAmB E_EgE_B moQo>Q> ~r_m
173
Omar... AZw~Y 6
Q>rEOr-E_Amo-E00-00-22-dr01-15-16
Q>rEOr-E_Amo-E00-00-23-dr01-15-16
Q>rEOr-E_Amo-E00-00-35-dr01-15-16
Q>rEOr-E_Amo-E00-00-36-dr01-15-16
EZAmBE-AmoQ>r-nr15-02-dr01-15-16
EZAmBE-AmoQ>r-nr15-03-dr02-15-16
EZAmBE-EbAmB-nr16-28-dr01-15-16
EZAmBE-E_Amo-E00-00-01-dr01-15-16
EZAmBE-E_Amo-E00-00-37-dr01-15-16
EZAmBE-E_Amo-E00-00-38-dr01-15-16
EZAmBE-E_Amo-E00-00-39-dr01-15-16
EZAmBE-E_Amo-E00-00-40-dr01-15-16
EZAmBE-E_Amo-E00-00-41-dr01-15-16
EZAmBE-E_Amo-E00-00-42-dr01-15-16
AmoAmBgr-AmoQ>r-E00-00-02-dr01-15-16
`yAmBAmB-EbAmB-nr15-06-dr01-15-16
`yAmBAmB-AmoQ>r-nr15-07-dr02-15-16
`yAmBAmB-EbAmB-nr15-08-dr01-15-16
`yAmBAmB-AmoQ>r-nr15-09-dr01-15-16

H$_ g. ~r_mH$Vm H$m Zm_
1 Anmobmo `y{ZH$ hoW
B`moa|g H$nZr {b.
2 ~OmO Abm`O OZab
B`moa|g H$nZr {b.
3 Mmobm_S>b_ E_Eg OZab
B`moa|g H$nZr {b.
4 {gJZm Q>rQ>rHo$ hoW
B`moa|g H$nZr {b.
5 `yMa OZambr B{S>`m
B`moa|g H$nZr {b.
6 EMS>rE\$gr EaJmo OZab
B`moa|g H$nZr {b.
7 AmBgrAmBgrAmB bmo~mS>
OZab B`moa|g H$nZr {b.
8 BH$mo Q>mo{H$`mo OZab
B`moa|g H$nZr {b.
9 H$moQ>H$ _{hm OZab B`moa|g
H$nZr {b.
10 {b~Q>u dr{S>`moH$mZ OZab
B`moa|g H$nZr {b.
dm{fH$ [anmoQ> 2015-16
AZw~Y 7
df 2015-16 Ho$ XmamZ AZw_mo{XV dm` ~r_m CnmXm| H$s gyMr
CnmX H$m Zm_ {XZmH$ `yAmBEZ
S|>`y Ho$Aa 23.05.2015 AmBAmaS>rE/EZEb-EMEbQ>r/EE_EMAmB/nr-EM/dr./74/14-15
ES>y Ho$Aa 19.06.2015 AmBAaS>rE/EZEb-EMEbQ>r/EE_EMAmB/nr-EM/dr./72/14-15
{H${Q>H$b AS>dmQo>O amBS>a 19.06.2015 AmBAmaS>rE/EZEb-EMEbQ>r/EE_EMAmB/nr-EM/dr./59/14-15
E{dar So> Ho$Aa 12.08.2015 AmBAmaS>rEAmB/EMEbQ>r/EE_EMAmB/nr-EM/dr./01/15-16
EZOu 16.12.2015 AmBAmaS>rEAmB/EMEbQ>r/EE_EMAmB/nr-EM/dr./10/15-16
`{$JV d`{$H$ XwKQ>Zm 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/EE_EMAmB/nr-nr/dr./20/2015-16
~r_mH$V `{$ Ama nm[adm[aH$ gX`m| Ho$ {bE AmnmVr hmoQ>b EgQ|>eZ 11.05.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./60/14-15
nm[adm[aH$ gX` mam ghmZw^y{VnydH$ _wbmH$mV 11.05.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./60/14-15
nm[adm[aH$ gX`m| Ho$ {bE AmnmVr hmoQ>b `dWm 11.05.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./65/14-15
`{$JV dVwAm| H$s hm{Z H$m H$da 11.05.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./66/14-15
Ad`H$ ~o/~m| Ho$ {bE _mJajU 11.05.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./67/14-15
Q>m\$ H$m {VWmnZ Ama nwZ`dWm 11.05.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./68/14-15
gm_y{hH$ AnVmb ZH$Xr nm{bgr 18.06.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-EM/dr./64/14-15
`mm YmZ nm{bgr 18.06.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-Q>r/dr./37/14-15
AmH$p_H$ AnVmb _| ^Vu H$da 18.06.2015 AmBAmaS>rE/EZEb EMEbQ>r/~rEOrAmB/nr-EM/dr./84/14-15
bmo~b ngZb JmS> nm{bgr d`{$H$ 23.02.2016 AmBAmaS>rEAmB/EMEbQ>r/~rEOrAmB/nr-nr/dr./30/2015-16
OZVm d`{$H$ XwKQ>Zm nm{bgr (gm_y{hH$) 31.03.2016 AmBAmaS>rEAmB/EMEbQ>r/grEMEgOrAmB/nr-nr/dr./33/15-16
Mmob BH$_ erS> B`moa|g Jyn 29.02.2016 AmBAmaS>rEAmB/EMEbQ>r/grEMEgOrAmB/nr-EM/dr./24/15-16
{gJZm Q>rQ>rHo$ mo hoW H$e 14.07.2015 AmBAmaS>rE/EZEb-EMEbQ>r/grQ>rQ>rHo$/nr-EM/dr./70/14-15
{gJZm Q>rQ>rHo$ bmB\$Q>mBb moQo>eZ Jyn nm{bgr 02.12.2015 AmBAmaS>rEAmB/EMEbQ>r/grQ>rQ>rHo$/nr-EM/dr./81/2014-15
{gJZm Q>rQ>rHo$ mo hoW B`moa|g 02.03.2016 AmBAmaS>rEAmB/EMEbQ>r/grQ>rQ>rHo$/nr-EM/dr./390/15-16
hoW Q>moQ>b 23.06.2015 AmBAmaS>rEAmB/EMEbMr/E\$OrAmBAmB/nr-EM/dr./02/15-16
gwf_m hmonr H$e Jyn gy_ ~r_m 31.03.2016 AmBAmaS>rEAmB/EMEbQ>r/E\$OrAmBAmB/nr-EM/dr./34/15-16
EMS>rE\$gr EaJmo OZVm ngZb EopgS|>Q> B`moa|g nm{bgr 03.06.2015 AmBAmaS>rEAmB/EZEb-EMEbQ>r/EMS>rE\$gr-
EaJmoOrAmB/nr-nr/dr.1/82/14-15
AmBgrAmBgrAmB bmo~mS> H$brQ> hoW B`moa|g 31.03.2016 AmBAmaS>rEAmB/EZEb-EMEbQ>r/AmBgrAmBgrAmB/nr-EM/dr./63/15-16
hoW ~yQ>a B{S>{dS>wAb 03.03.2016 AmBAmaS>rEAmB/EMEbQ>r/AmBgrAmBgrAmB/nr-EM/dr./31/15-16
B{S>{dS>wAb ngZb EopgS|>Q> JS> 24.06.2015 AmBAmaS>rE/EZEb-EMEbQ>r/AmBQ>rOrAmB/nr-nr/dr./13/14-15
H$moQ>H$ hoW Ho$Aa 16.02.2016 AmBAmaS>rEAmB/EMEbQ>r/Ho$E_OrAmB/nr-EM/dr./28/2015-16
{b~Q>u dr{S>`moH$mZ hmnr H$e H$ZoQ> nm{bgr 10.09.2015 AmBAmaS>rEAmB/EMEbQ>r/EbdrOrAmB/nr-EM/dr.1/77/14-15
AmodagrO Q>db H$ZoQ> B`moa|g nm{bgr 28.01.2016 AmBAmaS>rEAmB/EMEbQ>r/EbdrOrAmB/nr-Q>r/dr./32/15-16
AmodagrO Qy>S|>Q> Q>db H$ZoQ> B`moa|g nm{bgr 28.01.2016 AmBAmaS>rEAmB/EMEbQ>r/EbdrOrAmB/nr-Q>r/dr./33/15-16
{b~Q>u dr{S>`moH$mZ go`ya `yMa H$ZoQ> nm{bgr 16.02.2016 AmBAmaS>rEAmB/EMEbQ>r/EbdrOrAmB/nr-EM/dr.1/29/15-16
174
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 7
df 2015-16 Ho$ XmamZ AZw_mo{XV dm` ~r_m CnmXm| H$s gyMr
H$_ g. ~r_mH$Vm H$m Zm_ CnmX H$m Zm_ {XZmH$ `yAmBEZ
11 Xr Amo[a`Q>b B`moa|g H$nZr {b. _oS>rbo_ B`moa|g nm{bgr d`{$H$ 22.05.2015 AmBAmaS>rE/EZEb-EMEbQ>r/AmoAmBgr/nr-EM/dr./448/14-15
Amo[a`Q>b hnr H$e {ZpMV ah|! 22.05.2015 AmBAmaS>rE/EZEb-EMEbQ>r/AmoAmBgr/nr-EM/dr./73/14-15
hnr \${_br bmoQ>a nm{bgr 2015 07.10.2015 AmBAmaS>rEAmB/EMEbQ>r/AmoAmBgr/nr-EM/dr./450/15-16
12 ahoOm `y~rB OZab hoW `y`y~rB 31.03.2016 AmBAmaS>rEAmB/EMEbQ>r/Ama`y~rBOrAmB/nr-EM/dr./35/15-16
B`moa|g H$nZr {b.
13 ao{bJoa hoW B`moa|g H$nZr {b. Qy>S|>Q> Egbmoa 26.06.2015 AmBAmaS>rE/EZEb EMEbQ>r/AmaEMAmB/nr-Q>r/dr./70/2014-15
Ho$Aa \$sS>_ 03.07.2015 AmBEaS>rE/EZEb EMEbQ>r/AmaEMAmB/nr-EM/dr./36/2014-15
Jyn Egbmoa nm{bgr 23.11.2015 AmBAmaS>rE/EMEbQ>r/AmaEMAmB/nr-Q>r/dr./53/2014-15
Jm_rU Ho$Aa - gy_ ~r_m CnmX 21.01.2016 AmBAmaS>rEAmB/EMEbQ>r/AmaEMAmB/nr-EM/dr./27/2015-16
14 am`b gwXa_ OZab _mQ> H$e bmZ 12.08.2015 AmBAmaS>rEAmB/EMEbQ>r/AmaEgEAmB/nr-EM/dr./181/14-15
B`moa|g H$nZr {b. bmB\$ bmBZ 09.12.2015 AmBAmaS>rEAmB/EMEbQ>r/AmaEgEAmB/nr-EM/dr./32/15-16
15 Eg~rAmB OZab B`moa|g H$nZr {b. Jyn {~OZog Q>db (BQ>aZoeZb) B`moa|g 23.11.2015 AmBAmaS>rEAmB/EMEbQ>r/Eg~rAmBOrAmB/nr-Q>r/dr./85/14-15
16 Q>ma hoW ES> Abm`S> Q>ma H$mohopgd B`moa|g nm{bgr 07.04.2015 AmBAmaS>rE/EZEb-EMEbQ>r/EgEMEAmB/nr-EM/dr./398/14-15
B`moa|g H$nZr {b. gr{Z`a {g{Q>OZ aoS> H$mn}Q> hoW B`moa|g nm{bgr 16.06.2015 AmBAmaS>rE/EZEb-EMEbQ>r/EgEMEAmB/nr-EM/dr./172/14-15
EopgS|>Q>b Ho$Aa B{S>{dS>wAb B`moa|g nm{bgr 20.08.2015 AmBAmaS>rEAmB/EMEbQ>r/EgEMEAmB/nr-nr/dr./134/15-16
\${_br hoW AmpQ>_m EopgS|>Q> Ho$Aa nm{bgr 24.09.2015 AmBAmaS>rEAmB/EMEbQ>r/EgEMEAmB/nr-nr/dr./166/15-16
_oS>r b{gH$ EopgS|>Q> Ho$Aa (B{S>{dS>wAb) B`moa|g nm{bgr 24.09.2015 AmBAmaS>rEAmB/EMEbQ>r/EgEMEAmB/nr-nr/dr./162/15-16
Jyn hoW B`moa|g 23.03.2016 AmBAmaS>rEAmB/EMEbQ>r/EgEMEAmB/nr-EM/dr./32/15-16
EopgS|>Q> Ho$Aa (Jyn) B`moa|g [a{dOZ 29.03.2016 AmBAmaS>rEAmB/EMEbQ>r/EgEMEAmB/nr-EM/dr./102/2015-16
17 Q>mQ>m EAmBOr OZab hmo_ JmS> bg nm{bgr 23.04.2015 AmBAmaS>rEAmB/EZEb EMEbQ>r/Q>rEOrAmB/nr-EM/dr./287/14-15
B`moa|g H$nZr {b. Qy>S|>Q> JmS> AmodagrO Q>db hoW B`moa|g bmZ 19.06.2015 AmBAmaS>rEAmB/EZEb EMEbQ>r/Q>rEOrAmB/nr-Q>r/dr./237/14-15
EopgS|>Q> erS> nm{bgr 26.05.2015 AmBAmaS>rEAmB/EMEbQ>r/Q>rEOrAmB/nr-nr/dr./200/15-16
18 ZoeZb B`moa|g H$nZr {b. ZoeZb n[adma _oS>rbo_ nm{bgr 24.06.2015 AmBAmaS>rEAmB/EZEb EMEbQ>r/EZAmB/nr-EM/dr./61/14-15
ZoeZb n[adma _oS>rbo_ bg nm{bgr 24.06.2015 AmBAmaS>rEAmB/EZEb EMEbQ>r/EZAmB/nr-EM/dr./62/14-15
ZoeZb hramo EopgS|>Q> gwajm nm{bgr 24.06.2015 AmBAmaS>rEAmB/EZEb EMEbQ>r/EZAmB/nr-nr/dr./78/14-15
19 `wZmBQo>S> B{S>`m B`moa|g H$nZr {b. AmodagrO Q>db B`moa|g 2014 25.05.2015 AmBAmaS>rE/EZEb-EMEbQ>r/`yAmBAmB/nr-Q>r/dr./37/14-15
^m`lr B`moa|g - d`{$H$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./3/2015-16
^m`lr B`moa|g - gm_y{hH$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./4/2015-16
Jyn amoS> goQ>r B`moa|g 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./5/2015-16
B{S>{dS>wAb amoS> goQ>r nm{bgr 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./6/2015-16
OZVm ngZb EopgS|>Q> - d`{$H$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./7/2015-16
OZVm ngZb EopgS|>Q> - gm_y{hH$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./8/2015-16
_Xa Qo>argm dr_oZ ES> {MS>Z nm{bgr 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./9/2015-16
(Omar...) amO amOodar _{hbm H$`mU ~r_m `moOZm (d`{$H$) 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./10/2015-16

175
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 7
df 2015-16 Ho$ XmamZ AZw_mo{XV dm` ~r_m CnmXm| H$s gyMr
H$_ g. ~r_mH$Vm H$m Zm_ CnmX H$m Zm_ {XZmH$ `yAmBEZ
(Omar...) `wZmBQo>S> B{S>`m B`moa|g H$nZr {b. amO amOodar _{hbm H$`mU ~r_m `moOZm (gm_y{hH$) 11.01.2016 AmBAmBS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./11/2015-16
ZmXbm{har d`{$H$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./12/2015-16
ZmXbm{har gm_y{hH$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./13/2015-16
ng|Oa bmBQ> Hy$nZ - d`{$H$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./14/2015-16
ng|Oa bmBQ> Hy$nZ - gm_y{hH$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./15/2015-16
Jm_rU EopgS|>Q> nm{bgr - d`{$H$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./16/2015-16
Jm_rU EopgS|>Q> nm{bgr - gm_y{hH$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./17/2015-16
{H$gmZ Ho${S>Q> H$mS> gm_y{hH$ ~r_m 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./18/2015-16
$ab dr_oZ nHo$O 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./19/2015-16
$ab EopgS|>Q> nHo$O 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./20/2015-16
`yZrQ>S>rHo$Aa d`{$H$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./21/2015-16
`yZrQ>S>rHo$Aa gm_y{hH$ 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./22/2015-16
Qy>S|>Q> goQ>r 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./23/2015-16
nHo$O nr~r~rdmB (dmgr ^maVr` ~r_m `moOZm) 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./24/2015-16
gwhmZm g\$a 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./25/2015-16
Jyn _mJ~Yw nm{bgr 11.01.2016 AmBAmaS>rEAmB/EMEbQ>r/`yAmBAmB/nr-nr/dr./26/2015-16

176
 dm{fH$ [anmoQ> 2015-16

AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
1 AmBAmaS>rE/EOrQ>rEg/OrS>rEb/grAmBAma/060/04/2015 EO|Q> {Xem{ZX}e/AZwXoe 1/4/2015 ~r_m EO|Q>m| H$s {Z`w{$ na {Xem{ZX}e 2015 - ~r_mH$VmAm| H$mo AZwXoe

2 AmBAmaS>rE/E\$E/grAmBAma/OrEbS>r/062/04/2015 {dm Ama boIm n[an 6/4/2015 ~r_m A{Y{Z`_ 1938 H$s Ymam 3E Ho$ gmW n{R>V Ymam 3 Ho$ AYrZ
{ZJV nOrH$aU _mUn

3 AmBAmaS>rE/EMEbQ>r/AmaBOr/grAmBAma/063/04/2015 dm` {d^mJ {d{Z`_ 6/4/2015 AmBAmaS>rE (dm` ~r_m) {d{Z`_, 2013 Ho$ {d{Z`_ 12 H$m
AZwnmbZ

4 AmBAmaS>rE/AmB gr/AmoAmaS>r/AmoEZEg/064/04/2015 {ZarjU Ama AZwnmbZ AmXoe 6/4/2015 _ogg Egb|Q> B`moa|g ~moqH$J g{dgoO {b. Ho$ _m_bo _| AmXoe

5 AmBAmaS>rE/EZEb/OrS>rEb/E_AmBEggr/065/04/2015 Ja-OrdZ {Xem{ZX}e/AZwXoe 6/4/2015 {deof Am{WH$ jom| _| ~r_m `dgm` g~Yr {Xem{ZX}e

6 AmBAmaS>rE/EgrQ>r/grAmBAma/~rEnr/066/04/2015 ~r_m{H$H$ n[an 8/4/2015 EAmaE, EEEAma Ama nwZ~u_m {dda{U`m| H$s Vw{V

7 AmBAmaS>rE/EOrQ>rEg/E_AmBEggr/AmoAmaS>r/067/04/2015 EO|Q> {d{dY 9/4/2015 ~r_m {dVaU Umbr Ho$ {ejU/`dgm`rH$aU H$s OmM H$aZo Ho$ {bE
g{_{V

8 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/069/04/2015 dVZ AmXoe 9/4/2015 _ogg gwajm B`moa|g ~moH$g m. {b., H$mobH$mVm Ho$ _m_bo _| AmXoe

9 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/070/04/2015 dVZ AmXoe 9/4/2015 _ogg [abm`g OZab B`moa|g H$nZr Ho$ _m_bo _| AmXoe

10 AmBAmaS>rE/Eg`yAma/AmaBOr/AmoAmaS>r/071/04/2015 gd}jH$ {d{Z`_ 10/4/2015 AmBAmBAmBEgEbE gX`Vm g{hV gd}jH$m| Ama hm{Z {ZYmaH$m|
(d`{$H$ Ama H$manmoaoQ>) H$s do~gyMr

11 AmBAmaS>rE/Q>rnrE/E_AmBEggr/AmoAmaS>r/072/04/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 15/4/2015 _ogg lr JmoHw$b_ hoW g{dgoO Q>rnrE m.{b. Ho$ _m_bo _|

12 AmBAmaS>rE/~rAmaHo$/OrS>rEb/grAmBAma/074/04/2015 Xbmb {Xem{ZX}e/AZwXoe 16/4/2015 gmYmaU ~r_m H$n{Z`m| Ama OrAmBgr ao Ho$ g^r grBAmo

13 AmBAmaS>rE/EZEb/grAmBAma//075/04/2015 Ja-OrdZ n[an 17/4/2015 ~rEnr ZmZ-bmB\$ _mS>yb mam H$m`mb` _| Xm{Ib AmdoXZ H$s Vw{V

14 AmBAmaS>rE/EOrQ>rEg/grAmBAma/OrEbS>r/081/04/2015 EO|Q> n[an 21/4/2015 ~r_m EO|Q>m| H$s {Z`w{$ na {Xem{ZX}e - 2015

15 AmBAmaS>rE/Q>rEgr/AmoAmaS>r/ES>rE_EZ/077/04/2015 ewH$ gbmhH$ma g{_{V AmXoe 21/4/2015 Q>rEgr Ho$ ^.{Z. `mgm| Ama CgHo$ jor` H$m`mb`m| H$m nwZJR>Z

16 AmBAmaS>rE/AmBEZEgnr/AmoAmaS>r/AmoEZEg/083/04/2015 {ZarjU AmXoe 23/4/2015 `wZmBQo>S> B{S>`m B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

17 AmBAmaS>rE/OrdZ/grAmBAma/OrAmadr/084/04/2015 OrdZ n[an 23/4/2015 E\$AmaE_ nrEM H$s {eH$m`Vm| Ama n[admXm| na H$madmB

18 AmBAmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/085/04/2015 dm` {d^mJ {d{dY 24/4/2015 _ogg Mmobm E_Eg OZab B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

19 AmBAmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/087/04/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 27/4/2015 JwS> hoW bmZ (Q>rnrE) {b{_Qo>S>, hXam~mX Ho$ _m_bo _| A{V_ AmXoe

20 AmBAmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/088/04/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 28/4/2015 Oo{Zg B{S>`m Q>rnrE {b{_Qo>S> Ho$ _m_bo _| A{V_ AmXoe

177
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
21 AmBAmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/090/04/2015 dm` {d^mJ {d{dY 29/4/2015 _ogg ZoeZb B`moa|g H$nZr {b{_Qo>S> Ho$ _m_bo _| A{V_ AmXoe

22 AmBAmaS>rE/AmBEZEgnr/AmoAmaS>r/AmoEZEg/089/04/2015 {ZarjU AmXoe 29/4/2015 _ogg Eo_`moa B`moa|g EO|gr {b. Ho$ _m_bo _| A{V_ AmXoe

23 AmBAmaS>rE/~rAmaHo$/{d{dY/AmoAmaS>r/092/04/2015 Xbmb {d{dY 30/4/2015 _ogg lr {dZoda B`moa|g ~moH$g mBdoQ> {b{_Qo>S> Ho$ _m_bo _| A{V_
AmXoe

24 AmBAmaS>rE/E\$AmB/grAmBAma/AmBEZdr/093/04/2015 E\$ ES> AmB n[an 30/4/2015 ~r_m A{Y{Z`_, 1938 H$s Ymam 7 Ho$ AYrZ O_mam{e H$m AmhaU

25 AmBAmaS>rE/EMEbQ>r/S>`yAmaEZ/AmoAmaS>r/095/05/2015 dm` {d^mJ MoVmdZr 1/5/2015 _ogg ~OmO Abm`O Ho$ _m_bo _| AmXoe

26 AmBAmaS>rE/OrdZ/grAmBAma/{d{dY/104/05/2015 OrdZ n[an 11/5/2015 ~rEnr mam OrdZ Ho$ {bE {dda{U`m| H$s Vw{V

27 AmBAmaS>rE/EZEb/BQ>rEEgEg/AmaAmBEZ/103/05/2015 Ja-OrdZ Bbo.AV.Ama {Zn. Umbr 11/5/2015 BQ>rEEgEg {Xem{ZX}e

28 AmBAmaS>rE/EZEb/grAmBAma/ES>rdr/105/05/2015 Ja-OrdZ n[an 12/5/2015 ~rEnr mam CnmX \$mBqbJ AmdoXZm| H$s Vw{V - EZEb

29 AmBAmaS>rE/OrdZ/grAmBAma/{d{dY/106/05/2015 OrdZ n[an 18/5/2015 r{_`_m| Ho$ gJhU na m{-drH${V Ama m r{_`_m| H$s dmngr/
~r_m hoVw {do{fV O_mam{e`m| Ho$ {bE H$m`{d{Y`m

30 AmBAmaS>rE/Q>rEgr/AmoAmaS>r/ES>rE_EZ/107/05/2015 ewH$ gbmhH$ma g{_{V AmXoe 19/5/2015 g{Md, Q>rEgr H$m nwZ nXZm_Z

31 AmBAmaS>rE/EgrQ>r/grAmBAma/~rEnr/108/05/2015 ~r_m{H$H$ n[an 20/5/2015 ~rEnr mam OrdZ ~r_m CnmXm|/ amBS>am| H$s Vw{V

32 AmBAmaS>rE/BEZE\$/{d{dY/AmoEZEg/112/05/2015 dVZ {d{dY 26/5/2015 _ogg B{S>`m\$Q> bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

33 AmBAmaS>rE/AmBEZQ>r/OrS>rEb/AmBEZEgAmaB/111/05/2015 _`dVu {d^mJ {Xem{ZX}e/AZwXoe 26/5/2015 ~r_m [anmo{OQ>[a`m| na gemo{YV {Xem{ZX}e Ama ~r_m nm{b{g`m| H$m
BbQ>m{ZH$ {ZJ_

34 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/113/05/2015 dVZ AmXoe 28/5/2015 _ogg ahoOm `y~rB OZab B`moa|g H$. {b. Ho$ _m_bo _| AmXoe

35 AmBAmaS>rE/E\$E/grAmBAma/OrEbS>r/114/05/2015 {dm Ama boIm n[an 5/28/2015 Q>rBEM nm{bgrYmaH$m| go g~{YV AXmdr am{e`m| g~Yr H$madmB

36 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/115/06/2015 dVZ AmXoe 9/6/2015 _ogg `yMa OZambr bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_
AmXoe

37 AmBAmaS>rE/Q>rnrE/{d{dY/grAmBAma/117/06/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 22/6/2015 AnVmbm| mam Vm{dV {~bm| na Ny>Q>

38 AmBAmaS>rE/~rAmaHo$/{d{dY/AmoAmaS>r/120/06/2015 Xbmb {d{dY 26/6/2015 _ogg BemZ B`moa|g ~moqH$J m. {b. Ho$ _m_bo _| AmXoe

39 AmBAmaS>rE/AmBEZQ>r/{d{dY/AmoAmaS>r/123/07/2015 _`dVu {d^mJ {d{dY 2/7/2015 ~r_m jo _| B-H$m_g H$mo ~T>mdm XoZodmbo OrdZ Ama gmYmaU ~r_m g_yh
H$s g{_{V

178
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
40 AmBAmaS>rE/E\$AmB/AmoAmaS>r/E\$E/125/07/2015 E\$AmB AmXoe 3/7/2015 B{S>`m \$Q> bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

41 AmBAmaS>rE/E\$AmB/AmoAmaS>r/E\$E/126/07/2015 E\$AmB AmXoe 3/7/2015 Q>mQ>m EAmBE bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

42 AmBAmaS>rE/AmBEZQ>r/{d{dY/AmoAmaS>r/128/07/2015 _`dVu {d^mJ {d{dY 7/7/2015 _ogg Q>Q>g B`moa|g ~moH$g m. {b. Ho$ g~Y _| AmXoe

43 AmBAmaS>rE/EZEb/grAmBAma/{d{dY/129/07/2015 Ja-OrdZ n[an 14/7/2015 gd}jH$m| Ama hm{Z {ZYmaH$m| H$s {Z`w{$

44 AmBAmaS>rE/EgrQ>r/AmoAmaS>r/OrdZ/130/07/2015 ~r_m{H$H$ AmXoe 22/7/2015 {d{Z`_m| H$s g_rjm - OrdZ

45 AmBAmaS>rE/EgrQ>r/AmoAmaS>r/OrBEZ/131/07/2015 ~r_m{H$H$ AmXoe 22/7/2015 {d{Z`_m| H$s g_rjm - gmYmaU

46 AmBAmaS>rE/EgrQ>r/AmoAmaS>r/AmaAmBEZ/132/07/2015 ~r_m{H$H$ AmXoe 22/7/2015 nwZ~u_mH$Vm H$m {dXoer H$m`mb`

47 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/133/07/2015 dVZ AmXoe 24/7/2015 _ogg EbES>Q>r OZab B`moa|g H$nZr {b. H$s AmZ-gmBQ> {ZarjU
[anmoQ> na AmXoe

48 AmBAmaS>rE/E\$E/grAmBAma/grnrE_/134/07/2015 {dm Ama boIm n[an 24/7/2015 nm{bgrYmaH$m| go g~{YV AXmdr am{e`m| g~Yr H$madmB

49 AmBAmaS>rE/AmBEZQ>r/AmoAmaS>r/AmBEZEgAmaB/135/07/2015 _`dVu {d^mJ AmXoe 24/7/2015 Ho$dmBgr Ho$ {bE VH$ZrH$s g{_{V H$m JR>Z

50 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/138/07/2015 dVZ AmXoe 31/7/2015 ~OmO Abm`O OZab B`moa|g H$nZr {b. Ho$ _m_bo _| AmXoe

51 AmBAmaS>rE/OrdZ/grAmBAma/{d{dY/140/08/2015 OrdZ n[an 4/8/2015 nm{bgrYmaH$m| go dm{fH$s {dH$n m H$aZm

52 AmBAmaS>rE/grES>r/AmoAmaS>r/{d{dY/142/08/2015 Cn^mo$m H$m` AmXoe 5/8/2015 dm{Up`H$ Qo>br{dOZ Ho$ ofU Ho$ {bE {S>{OQ>b {gZo_m H$m Cn`moJ

53 AmBAmaS>rE/AmBEZQ>r/{d{dY/AmoAmaS>r/141/08/2015 _`dVu {d^mJ {d{dY 5/8/2015 _ogg A{Zb H$U B`moa|g ~moqH$J Egmo{gEQ>g mBdoQ> {b. Ho$ g~Y _|
AmXoe

54 AmBAmaS>rE/OrdZ/AmoAmaS>r/{d{dY/143/08/2015 OrdZ AmXoe 7/8/2015 _ogg [abm`g bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

55 AmBAmaS>rE/AmBEZQ>r/AmoAmaS>r/AmBEZEgAmaB/146/08/2015 _`dVu {d^mJ AmXoe 10/8/2015 AmBQo>g (~r_m boZXoZ EgM|O) H$m {dH$mg Ama AZwajU

56 AmBAmaS>rE/OrdZ/grAmBAma/{d{dY/147/08/2015 OrdZ n[an 13/8/2015 ~r_m {dkmnZ g~Yr _mQ>a n[an

57 AmBAmaS>rE/EMEbQ>r/S>`yAmaEZ/AmoAmaS>r/150/08/2015 dm` {d^mJ MoVmdZr 20/8/2015 Xr BH$Zm{_H$ Q>mBg _| {dkmnZ Ho$ {bE Q>ma hoW H$mo n

58 AmBAmaS>rE/AmBEZQ>r/{d{dY/AmoAmaS>r/149/08/2015 _`dVu {d^mJ {d{dY 20/8/2015 _ogg E$m`a B`moa|g ~moqH$J m. {b. Ho$ g~Y _| AmXoe

59 AmBAmaS>rE/AmBEZQ>r/{d{dY/AmoAmaS>r/151/08/2015 _`dVu {d^mJ {d{dY 20/8/2015 _ogg nog B`moa|g ~moH$g mBdoQ> {b{_Qo>S> Ho$ g~Y _| AmXoe

60 AmBAmaS>rE/AmBEZQ>r/AmoAmaS>r/AmBEZEgAmaB/153/08/2015 _`dVu {d^mJ AmXoe 25/8/2015 AmBQo>g g~Yr g{_{V

179
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
61 AmBAmaS>rE/E\$AmB/grAmBAma/AmBEZdr/156/08/2015 E\$AmB n[an 27/8/2015 ({JQ>-BQ>rE\$) AV{Z{hV Or goH$ Ho$ gmW {d{Z_` `mnm[aV {Z{Y`m| _|
{Zdoe g~Yr {Xem{ZX}e

62 AmBAmaS>rE/OrdZ/AmoAmaS>r/{d{dY/157/08/2015 OrdZ AmXoe 28/8/2015 g. AmBAmaS>rE/OrdZ/AmoAmaS>r/{d{dY/143/08/2015 {XZmH$

6 AJV 2015 go `w$ A{V_ AmXoe H$m AmemoYZ

63 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/162/09/2015 dVZ AmXoe 4/9/2015 _ogg AmBgrAmBgrAmB bmo~mS> OZab B`moa|g H$nZr {b. Ho$ _m_bo _|
AmXoe

64 AmBAmaS>rE/E\$E/grAmBAma/S>rEbS>r/161/09/2015 {dm Ama boIm n[an 4/9/2015 ~rEnr _mS>yb mam E\$ES>E OrdZ Ho$ {bE {dda{U`m| H$s Vw{V

65 AmBAmaS>rE/E\$E/AmoAmaS>r/Q>rAmaEgEM/163/09/2015 {dm Ama boIm AmXoe 7/9/2015 AmaEbAmBgr Ho$ {d XS> H$m AmXoe

66 AmBAmaS>rE/EZEb/AmoAmaS>r/{d{dY/164/09/2015 Ja-OrdZ AmXoe 7/9/2015 _moQ>a dmhZ So>Q>m~og H$s gmPoXmar hoVw _mS>b Ho$ {dH$mg Ho$ {bE g{_{V

67 AmBAmaS>rE/E\$E/AmoAmaS>r/Q>rAmaEgEM/165/09/2015 {dm Ama boIm AmXoe 9/9/2015 [abm`g OZab B`moa|g H$nZr {b. Ho$ {d XS> H$m AmXoe

68 AmBAmaS>rE/EgrQ>r/grAmBAma/~rEnr/166/09/2015 ~r_m{H$H$ n[an 11/9/2015 `dgm` {dbofU-{dY n[a`moOZm (~rEnr) mam AmB~rEZAma [anmoQ>
H$s Vw{V

69 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmoAmaS>r/171/09/2015 _`dVu {d^mJ n[an 16/9/2015 ~r_m {dnUZ \$_ Ho$ Zm_ g~Yr n>rH$aU

70 AmBAmaS>rE/EZEb/grAmBAma/{d{dY/173/09/2015 Ja-OrdZ n[an 24/9/2015 Xmdm| Ho$ {ZnQ>mZ _| C_moMZ dmCMa

71 AmBAmaS>rE/EgS>rS>r/OrS>rEb/grAmBAma/175/09/2015 jodma {dH$mg {Xem{ZX}e/AZwXoe 28/9/2015 EE_Eb/grE\$Q>r g~Yr _mQ>a n[an

72 AmBAmaS>rE/OrdZ/AmoAmaS>r/{d{dY/176/10/2015 OrdZ AmXoe 9/10/2015 _ogg Q>mQ>m EAmBE bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

73 AmBAmaS>rE/OrdZ/AmoAmaS>r/{d{dY/177/10/2015 OrdZ AmXoe 9/10/2015 _ogg AmBgrAmBgrAmB bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_
AmXoe

74 AmBAmaS>rE/OrdZ/grAmBAma/OrEbS>r/179/10/2015 OrdZ n[an 15/10/2015 F$UXmVm-CYmaH$Vm gm_y{hH$ ~r_m `moOZmAm| Ho$ AVJV gm_y{hH$ ~r_m
{H$`moa|g nm{b{g`m| Ho$ {bE Xmdm gH$aU g~Yr {Xem{ZX}e

75 AmBAmaS>rE/E\$E/OrS>rEb/OrEbS>r/180/10/2015 {dm Ama boIm {Xem{ZX}e/AZwXoe 19/10/2015 ^maVr` ~r_m H$nZr Ho$ {bE "^maVr` dm{_d-m Ama {Z`{V"
AnojmAm| g~Yr {Xem{ZX}e

76 AmBAma{S>E/grS>`y/grAmBAma/{d{dY/181/10/2015 gMma IS> n[an 23/10/2015 H$b|S>am| H$m _wU

77 AmBAmaS>rE/AmBEZQ>r/OrS>rEb/AmoAmaS>r/183/10/2015 _`dVu {d^mJ {Xem{ZX}e/AZwXoe 26/10/2015 {dHo$Vm WmZ g~Yr {Xem{ZX}e - Ja-OrdZ Ama dm` ~r_mH$Vm

78 AmBAmaS>rE/OrdZ/OrS>rEb/{d{dY/186/10/2015 OrdZ {Xem{ZX}e/AZwXoe 28/10/2015 {d{^ n[a`m| _| ~r_m A{Y{Z`_ 1938 H$s Ymam 45 Ho$ Cn~Ym| H$s
`mo`Vm

180
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
79 AmBAmaS>rE/grES>r/grAmBAma/{d{dY/194/11/2015 Cn^mo$m H$m` n[an 3/11/2015 ~r_m bmoH$nmb Ho$ A{Y{ZU` AWdm E_EgrQ>r `m Cn^mo$m \$moa_ Ho$
AmXoe H$m nmbZ Z H$aZm

80 AmBAmaS>rE/BEZE\$/{d{dY/AmoEZEg/195/11/2015 dVZ {d{dY 4/11/2015 _ogg AmBS>r~rAmB \o$S>ab bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_
AmXoe

81 AmBAmaS>rE/EZEb/grAmBAma/E_AmoQ>rnr/196/11/2015 Ja-OrdZ n[an 4/11/2015 B-Jm{S>`m|, B-[aemAm| Ho$ {bE _moQ>a A` nj r{_`_ Xa| VWm {H$am`o
`m {V\$b Ho$ {bE `m{`m| H$mo bo OmZodmbo _moQ>arH$V Qy>-hrbam| Ho$ {bE
`mr r{_`_

82 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmBEZEgAmaB/197/11/2015 _`dVu {d^mJ n[an 6/11/2015 BboQ>m{ZH$ ~r_m nm{b{g`m| H$m {ZJ_

83 AmBAmaS>rE/EZEb/AmoAmaS>r/grE_Q>r/199/11/2015 Ja-OrdZ AmXoe 13/11/2015 _moQ>a ~r_m `dgm` g~Yr _moQ>a `mnmar ^wJVmZm| Ho$ g~Y _| g{_{V H$m
JR>Z

84 AmBAmaS>rE/E\$E/grAmBAma/OrEbS>r/200/11/2015 {dm Ama boIm n[an 16/11/2015 bm`S>g H$mo N>moS>H$a A` {dXoer nwZ~u_mH$Vm Ho$ emIm H$m`mb` H$m
nOrH$aU Ama n[aMmbZ

85 AmBAmaS>rE/grEOrQ>rEg/OrS>rEb/EbgrB/202/11/2015 H$manmoaoQ> EO|Q> {Xem{ZX}e/AZwXoe 18/11/2015 AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU) {d{Z`_, 2015 Ho$
AYrZ nOrH$aU _mUn m H$aZo Ho$ {bE AZwXoe

86 AmBAmaS>rE/E\$E/AmoAmaS>r/EgrQ>rEg/201/11/2015 {dm Ama boIm AmXoe 18/11/2015 BS> EEg g~Yr H$m`md`Z g_yh

87 AmBAmaS>rE/AmBEZQ>r/AmoAmaS>r/AmBEZEgAmaB/203/11/2015 _`dVu {d^mJ AmXoe 19/11/2015 Ho$db BboQ>m{ZH$ $n _| Omar H$s JB nm{b{g`m| Ho$ {bE {S>H$mCQ>-H$V
gaMZm

88 AmBAmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/204/11/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 19/11/2015 _ogg BQ> doQ> A{gQ> Q>rnrE m. {b.

89 AmBAmaS>rE/Q>rnrEo/{d{dY/AmoAmaS>r/205/11/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 19/11/2015 _ogg BQ> doQ> A{gQ> Q>rnrE m. {b.

90 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmoAmaS>r/208/11/2015 _`dVu {d^mJ n[an 20/11/2015 ^maVr` dm{_d-m Ama {Z`{V

91 AmBAmaS>rE/Q>rEgr/AmoAmaS>r/ES>rE_EZ/206/11/2015 ewH$ gbmhH$ma g{_{V AmXoe 20/11/2015 Q>rEgr CnXmZ Ama ^{d` {Z{Y `mgm| H$m nwZJR>Z

92 AmBAmaS>rE/Q>rEgr/AmoAmaS>r/ES>rE_EZ/207/11/2015 ewH$ gbmhH$ma g{_{V AmXoe 20/11/2015 Q>rEgr n|eZ {Z{Y `mg H$m nwZJR>Z

93 AmBAmaS>rE/OrdZ/grAmBAma/ES>rdr/209/11/2015 OrdZ n[an 23/11/2015 OrdZ ~r_m CnmXm| Ho$ {dkmnZm| _| bm^ {ZXeZ

94 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/210/11/2015 dVZ AmXoe 24/11/2015 H$m`mb` AmXoe

95 AmBAmaS>rE/AmBQ>r/{d{dY/Q>rEZS>rAma/211/11/2015 gyMZm mmo{JH$s {d{dY 26/11/2015 EgEnr-BAmanr AZw`moJ Ho$ dm{fH$ AZwajU Ho$ {bE {dHo$Vm H$m M`Z

96 AmBAmaS>rE/AmBQ>r/grAmBAma/{d{dY/217/12/2015 gyMZm mmo{JH$s n[an 3/12/2015 nOrH$V gWmAm| H$mo Omar H$s JB g^r _hdnyU gyMZmAmo H$m EH$
Ho$r` So>Q>m~og Wm{nV H$aZm

181
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
97 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmBEZEgAmaB/214/12/2015 _`dVu {d^mJ n[an 3/12/2015 ~r_m [anmo{OQ>ar mam Xr OmZodmbr _yb^yV godmAm| na A{YH$V_ ^ma

98 AmBAmaS>rE/OrdZ/AmoAmaS>r/{d{dY/213/12/2015 OrdZ AmXoe 3/12/2015 _ogg _g bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

99 AmBAmaS>rE/Q>rEgr/AmoAmaS>r/ES>rE_EZ/219/12/2015 ewH$ gbmhH$ma g{_{V AmXoe 15/12/2015 ~H$ hVmjaH$VmAm| _| n[adVZ - Q>rEgr

100 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/221/12/2015 dVZ AmXoe 16/12/2015 _ogg Mmobm_S>b_ E_Eg OrAmBgrEb H$s AmZgmBQ> {ZarjU [anmoQ>
{Q>n{U`m| na AmXoe H$m m$n - {ZarjU Ad{Y 6 go 10 {Xg~a 2010
VH$

101 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmBEZEgAmaB/220/12/2015 _`dVu {d^mJ n[an 16/12/2015 BboQ>m{ZH$ _moQ>a nm{b{g`m| Ho$ ~r_o na nm{jH$ pW{V [anmoQ>

102 AmBAmaS>rE/E\$E/grAmBAma/OrEbS>r/222/12/2015 {dm Ama boIm n[an 18/12/2015 {dXoer ImVm H$a AZwnmbZ A{Y{Z`_ (E\$EQ>rgrE)/ gm_m` [anmo{Q>J
_mZH$m| (grAmaEg) Ho$ AYrZ Xm{`dm| Ho$ AZwnmbZ Ho$ {bE nOrH$aU
Ama gr~rS>rQ>r H$mo gyMZm H$s Vw{V

103 AmBAmaS>rE/grS>`y/AmoAmaS>r/{d{dY/223/12/2015 gMma IS> AmXoe 22/12/2015 AmBAmaS>rEAmB OZb Ho$ H$meZ Ho$ {bE gnmXH$ _S>b H$m nwZJR>Z

104 AmBAmaS>rE/E\$E/grAmBAma/grnrE_/224/12/2015 {dm Ama boIm n[an 23/12/2015 ^maVr` dm{_d Ama {Z`U Ho$ g~Y _| AZwnmbZ H$s [anmo{Q>J

105 AmBAmaS>rE/bmB\$/grAmBAma/E_AmBEZ/225/12/2015 bmB\$ n[an 23/12/2015 dV_mZ gy_ ~r_m CnmXm| H$mo Omar aIZo Ho$ {bE VmarI ~T>mZm

106 AmBAmaS>rE/Eg`yAma/AmoAmaS>r/{d{dY/226/12/2015 gd}jH$ AmXoe 23/12/2015 AmBAmaS>rEAmB (~r_m gd}jH$ Ama hm{Z {ZYmaH$) {d{Z`_, 2015
(gd}jH$ {d{Z`_) Ho$ {d{Z`_ 10 Ho$ AZwgma gd}jH$m| Ama hm{Z {ZYmaH$m|
H$s g{_{V H$m nwZJR>Z

107 AmBAmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/229/12/2015 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 31/12/2015 _ogg ny{V _oS>rQo>H$ (Q>rnrE) gmo`yeg m. {b. Ho$ _m_bo _|

108 AmBAmaS>rE/EMEbQ>r/AmaBOr/grAmBAma/001/01/2016 dm` {d^mJ {d{Z`_ 1/4/2016 n`m g`m _| ^mJmo{bH$ $n go `m godm XmVmAm| Ho$ gmW H$ama

109 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/004/01/2016 dVZ AmXoe 1/7/2016 _ogg mo~g B`moa|g ~moH$g {b. H$m AmZgmBQ> {ZarjU - A{V_ AmXoe

110 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/005/01/2016 dVZ AmXoe 7/1/2016 _ogg `y{Zdgb gmonmo OZab B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_
AmXoe

111 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/006/01/2016 dVZ AmXoe 7/1/2016 _ogg BH$mo Q>mo{H$`mo OZab B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

112 AmBAmaS>rE/OrdZ/grAmBAma/E_AmBEZ/007/01/2016 OrdZ n[an 8/1/2016 AmBAmaS>rEAmB (gy_ ~r_m) {d{Z`_, 2015 Ho$ H$m`md`Z Ho$ ~mX
gy_ ~r_m CnmXm| H$m \$mBqbJ

113 AmBAmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/009/01/2016 dm` {d^mJ {d{dY 11/1/2016 _ogg AZ_mob _oS>rHo$Aa Q>rnrE {b. Ho$ _m_bo _| A{V_ AmXoe

114 AmBAmaS>rE/AmBEZQ>r/E_AmBEggr/AmoAmaS>r/012/01/2016 _`dVu {d^mJ {d{dY 12/1/2016 E~r B`moa|g ~moH$g m. {b. go g~{YV _m_bo _| AmXoe

182
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
115 AmBAmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/013/01/2016 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 13/1/2016 _ogg lr JmoHw$b_ hoW g{dgoO Q>rnrE m. {b. H$m _m_bm

116 AmBAmaS>rE/AmBEZQ>r/{d{dY/AmoAmaS>r/014/01/2016 _`dVu {d^mJ {d{dY 15/1/2016 AmBAmaS>rE Ho$ (~r_m Xbmb) {d{Z`_, 2015 H$m AZwnmbZ Z H$aZo
H$s pW{V _| {>H$moU

117 AmBAmaS>rE/EMEbQ>r/{d{dY/AmoAmaS>r/016/01/2016 dm` {d^mJ {d{dY 19/1/2016 _ogg Xr `y B{S>`m E`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

118 AmBAmaS>rE/EZEb/OrS>rEb/AmaAmBEZ/017/01/2016 Ja-OrdZ {Xem{ZX}e/AZwXoe 19/1/2016 gr_mnma nwZ~u_m g~Yr {Xem{ZX}e

119 AmBAmaS>rE/~rAmaHo$/{d{dY/grAmBAma/018/01/2016 Xbmb {d{dY 21/1/2016 AmZbmBZ _mS>yb Ho$ _m`_ go Xbmbm| H$m {ejU

120 AmBAmaS>rE/EZEb/grAmBAma/{d{dY/019/01/2016 Ja-OrdZ n[an 28/1/2016 AmBE\$Eggr _| H$m`mb` ImobZo go g~{YV {df`

121 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/023/02/2016 dVZ AmXoe 8/2/2016 _ogg Xr Amo[a`Q>b B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

122 AmBAmaS>rE/E\$AmB/{d{dY/grAmBAma/026/02/2016 E\$AmB {d{dY 9/2/2016 ~rEnr mam E\$ES>E Ja-OrdZ Ho$ {bE {dda{U`m| H$s Vw{V

123 AmBAmaS>rE/EZEb/grAmBAma/{d{dY/024/02/2016 Ja-OrdZ n[an 9/2/2016 g^r gmYmaU ~r_m H$n{Z`m, Q>S>AbmoZ ~r_m H$n{Z`m

124 AmBAmaS>rE/EZEb/grAmBAma/E\$ES>`y/025/02/2016 Ja-OrdZ n[an 9/2/2016 g^r gmYmaU ~r_m H$n{Z`m

125 AmBAmaS>rE/~rAmaHo$/{d{dY/AmoAmaS>r/027/02/2016 Xbmb {d{dY 12/2/2016 _ogg EbE_~r B`moa|g ~moH$g m. {b. Ho$ _m_bo _| A{V_ AmXoe

126 AmBAmaS>rE/Eg`yAma/AmoAmaS>r/{d{dY/028/02/2016 gd}jH$ AmXoe 15/2/2016 lr gOrd gmoZr, gd}jH$ Ama hm{Z {ZYmaH$ - EgEbE g.:150006
Ho$ _m_bo _| AmXoe

127 AmBAmaS>rE/grES>r/grAmBAma/EbgrB/029/02/2016 H$manmoaoQ> EO|Q> n[an 16/2/2016 AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU) {d{Z`_, 2015 Ho$
g~Y _| n>rH$aU

128 AmBAmaS>rE/EZEb/OrS>rEb/E\$ES>`y/030/02/2016 Ja-OrdZ {Xem{ZX}e/AZwXoe 16/2/2016 gmYmaU ~r_m CnmXm| Ho$ {bE CnmX \$mBqbJ {H$`mAm| Ho$ g~Y _|
{Xem{ZX}e

129 AmBAmaS>E/Eg`yAma/{d{dY/AmoAmaS>r/031/02/2016 gd}jH$ {d{dY 16/2/2016 4 AmM{bH$ [a{$`m| Ho$ {bE AmBAmBAmBEgEbE Ho$ 8d| n[afX MwZmdm|
Ho$ gMmbZ Ho$ {bE MwZmd A{YH$mar H$s {Z`w{$

130 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmBEZEgAmaB/032/02/2016 _`dVu {d^mJ n[an 22/2/2016 AmBQo>g (~r_m boZXoZ {d{Z_`) gda na EgEbE So>Q>m H$mo AnbmoS>
H$aZm

131 AmBAmaS>rE/Eg`yAma/AmoAmaS>r/{d{dY/034/02/2016 gd}jH$ AmXoe 25/2/2016 lr _wZre mea, EgEbE 72810 Ama _ogg nwar H$m\$S> AmBEgEbE
B{S>`m m. {b. ,EgEbE 72398 Ho$ _m_bo _| AmXoe

132 AmBAmaS>rE/EZEb/grAmBAma/AmaAmBEZ/036/02/2016 Ja-OrdZ n[an 29/2/2016 AmBAmaS>rEAmB {d{Z`_, 2015 Ho$ {d{Z`_ 28(9) Ho$ dVZ H$s
VmarI H$m AmWJZ

183
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`
133 AmBAmaS>rE/E\$E/grAmBAma/AmBE\$AmaEg/037/03/2016 {dm Ama boIm n[an 1/3/2016 BS> EEg na AmV[aH$ H$m`Xb H$m JR>Z

134 AmBAmaS>rE/E\$E/grAmBAma/AmBE\$AmaEg/038/03/2016 {dm Ama boIm n[an 1/3/2016 ~r_m CmoJ _| ^maVr` boIm _mZH$m| H$m H$m`md`Z

135 AmBAmaS>rE/~rAmaHo$/{d{dY/AmoAmaS>r/039/03/2016 Xbmb {d{dY 2/3/2016 _ogg Q>mdg dmQ>gZ B`moa|g ~moH$g B{S>`m m. {b. Ho$ _m_bo _| A{V_
AmXoe

136 AmBAmaS>rE/AmBEZQ>r/grAmBAma/AmBE_E\$/041/03/2016 _`dVu {d^mJ n[an 2/3/2016 AmBAmaS>rEAmB (~r_m {dnUZ \$_ H$m nOrH$aU) {d{Z`_, 2015 Ho$
g~Y _| n>rH$aU

137 AmBAmaS>rE/AmBEZQ>r/AmoAmaS>r/grAmogrAmB/042/03/2016 _`dVu {d^mJ AmXoe 2/3/2016 ~r_m godm H$n{Z`m| H$s WmnZm Ho$ {bE g{_{V H$m JR>Z

138 AmBAmaS>rE/Q>rnrE/{d{dY/AmoAmaS>r/040/03/2016 Q>rnrE (AmBEZQ>rAmaE_B) {d{dY 2/3/2016 _ogg _oS>god hoWHo$Aa (Q>rnrE) {b. Ho$ _m_bo _| A{V_ AmXoe

139 AmBAmaS>rE/OrdZ/grAmBAma/E_AmBEZ/045/03/2016 OrdZ n[an 10/3/2016 dV_mZ gmYmaU ~r_m CnmX Vm{dV H$aZm Omo gmYmaU gy_ ~r_m
CnmXm| Ho$ $n _| AmBAmaS>rE (gy_ ~r_m) {d{Z`_, 2015 H$m AZwnmbZ
H$aVo h

140 AmBAmaS>rE/EZEb/grAmBAma/grAmaB/044/03/2016 Ja-OrdZ n[an 10/3/2016 `mnm[aH$ CYma ~r_m g~Yr {Xem{ZX}e

141 AmBAmaS>rE/BEZE\$/AmoAmaS>r/AmoEZEg/046/03/2016 dVZ AmXoe 11/3/2016 _ogg Xr `y B{S>`m E`moa|g H$nZr {b{_Qo>S> Ho$ _m_bo _| A{V_ AmXoe

142 AmBAmaS>rE/AmBEZQ>r/OrS>rEb/AmoAmaS>r/047/03/2016 _`dVu {d^mJ {Xem{ZX}e/AZwXoe 11/3/2016 {dHo$Vm WmZ g~Yr {Xem{ZX}e - Ja-OrdZ Ama dm` ~r_mH$Vm -
CnmXm| H$m n[adYZ

143 AmBAmaS>rE/EgrQ>r/{d{dY/{d{dY/048/03/2016 ~r_m{H$H$ {d{dY 14/3/2016 ~r_mH$H$m| H$m nZb - {hV H$s A{^`{$

144 AmBAmaS>rE/~rAmaHo$/OrS>rEb/grAmBAma/050/03/2016 Xbmb {Xem{ZX}e/AZwXoe 15/3/2016 {d{Z`_ go Ny>Q>

145 AmBAmaS>rE/AmBEZQ>r/AmoAmaS>r/grAmoE_EU/049/03/2016 _`dVu {d^mJ AmXoe 15/3/2016 ~r_m EO|Q>m| Ama ~r_m _`d{V`m| H$mo H$_reZ, nm[al{_H$ Ho$ ^wJVmZ
AWdm ZdrH$aU `m {V\$b Ho$ g~Y _| {d{Z`_

146 AmBAmaS>rE/EZEb/grAmBAma/{d{dY/051/03/2016 Ja-OrdZ n[an 15/3/2016 dm{Up`H$ dmhZm| Ho$ {bE ^maVr` _moQ>a A` nj AdrH$V Omo{I_
nyb (EoQ> AmoZbr B`moa|g) H$m {dKQ>Z - S>rAma nyb

147 AmBAmaS>rE/BEZE\$/{d{dY/AmoEZEg/052/03/2016 dVZ {d{dY 17/3/2016 _ogg Q>ma `y{Z`Z XmB BMr bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _|
A{V_ AmXoe

148 AmBAmaS>rE/BEZE\$/{d{dY/AmoEZEg/053/03/2016 dVZ {d{dY 17/3/2016 _ogg EgmBS> bmB\$ B`moa|g H$nZr {b. Ho$ _m_bo _| A{V_ AmXoe

149 AmBAmaS>rE/EgrQ>r/OrS>rEb/{d{dY/055/03/2016 ~r_m{H$H$ {Xem{ZX}e/AZwXoe 22/3/2016 g^r ~r_mH$VmAm|/nwZ~u_mH$VmAm| Ho$ grBAmo H$mo - {Z`w$ ~r_mH$H$m|
Ama CZHo$ nam_eXmVmAm| (_|Q>am|) H$s {Z`w{$

184
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 8
Ab 2015 go _mM 2016 VH$ m{YH$aU mam Omar {H$`o J`o n[an/ AmXoe/ A{YgyMZmE
H$.g. gX^ g`m {d^mJ A{YgyMZm H$m H$ma {XZmH$ {df`

150 AmBAmaS>rE/E\$E/grAmBAma/grnrE_/056/03/2016 {dm Ama boIm n[an 23/3/2016 AmBAmaS>rE (~r_m H$n{Z`m| Ho$ {dmr` {ddaU Ama boIm-narjH$m| H$s
[anmoQ> V`ma H$aZm) {d{Z`_, 2002

151 AmBAmaS>rE/EgrQ>r/grAmBAma/{d{dY/057/03/2016 ~r_m{H$H$ n[an 24/3/2016 ~r_mH$H$m| H$m nZb - {hV H$s A{^`{$

152 AmBAmaS>rE/EZEb/grAmBAma/{d{dY/058/03/2016 Ja-OrdZ n[an 24/3/2016 AmBAmB~r H$mo JwUdmm So>Q>m H$s Vw{V

153 AmBAmaS>rE/EZEb/AmoAmaS>r/E_AmoQ>rnr/060/03/2016 Ja-OrdZ AmXoe 28/3/2016 {dmr` df 2016-17 Ho$ {bE _moQ>a A` nj Xo`Vm ~r_m ajm Ho$ {bE
r{_`_ Xa|

154 AmBAmaS>rE/Q>rnrE/AmaBOr/grAmBAma/059/03/2016 Q>rnrE (AmBEZQ>rAmaE_B) {d{Z`_ 28/3/2016 A` nj ~YH$ (Q>rnrE) - dm` godmE, {d{Z`_

155 AmBAmaS>rE/grES>r/grAmBAma/{d{dY/063/03/2016 Cn^mo$m H$m` n[an 31/3/2016 ~r_m bmoH$nmb Ho$ A{Y{ZU` H$m nmbZ Z H$aZm

185
 dm{fH$ [anmoQ> 2015-16

AZw~Y 9
31/03/2016 VH$ AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_
H$_ g. A{YgyMZm H$m Zm_
1 AmBAmaS>rE (~r_m gbmhH$ma g{_{V) (~R>H$) {d{Z`_, 2000
2 AmBAmaS>rE ({Z`w$ ~r_mH$H$) {d{Z`_, 2000
3 AmBAmaS>rE (~r_m{H$H$ [anmoQ> Ama gmame) {d{Z`_, 2000
4 AmBAmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2000
5 AmBAmaS>rE (~r_mH$VmAm| H$s AmpV`m, Xo`VmE Ama emoYj_Vm _m{OZ) {d{Z`_, 2000
6 AmBAmaS>rE (gmYmaU ~r_m - nwZ~u_m) {d{Z`_, 2000
7 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) 2000
8 AmBAmaS>rE (~r_m {dkmnZ Ama H$Q>rH$aU) {d{Z`_, 2000
9 AmBAmaS>rE (Jm_rU gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2000
10 AmBAmaS>rE (~R>H$| ) {d{Z`_, 2000
11 AmBAmaS>rE (~r_m H$n{Z`m| Ho$ {dmr` {ddaU Ama boIm-narjH$m| H$s [anmoQ> V`ma H$aZm) {d{Z`_, 2000
12 AmBAmaS>rE ({Zdoe) {d{Z`_, 2000
13 AmBAmaS>rE (A{YH$m[a`m| Ama A` H$_Mm[a`m| H$s godm H$s eV]) {d{Z`_, 2000
14 AmBAmaS>rE (~r_m gd}jH$ Ama hm{Z {ZYmaH$ - bmBg|grH$aU, `mdgm{`H$ AnojmE Ama AmMaU g{hVm) {d{Z`_, 2000
15 AmBAmaS>rE (OrdZ ~r_m - nwZ~u_m) {d{Z`_, 2000
16 AmBAmaS>rE ({Zdoe)(gemoYZ) {d{Z`_, 2001
17 AmBAmaS>rE (A` nj ~YH$ - dm` godmE) {d{Z`_, 2001
18 AmBAmaS>rE (nwZ~u_m gbmhH$ma g{_{V) {d{Z`_, 2001
19 AmBAmaS>rE ({Zdoe)(gemoYZ) {d{Z`_, 2002
20 AmBAmaS>rE (~r_m H$n{Z`m| Ho$ {dmr` {ddaU Ama boIm-narjH$m| H$s [anmoQ> V`ma H$aZm) {d{Z`_, 2002
21 AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_, 2002
22 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002
23 AmBAmaS>rE (Jm_rU gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2002
24 AmBAmaS>rE (H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002
25 AmBAmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU)(gemoYZ) {d{Z`_, 2002
26 AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU)(gemoYZ) {d{Z`_, 2002
27 AmBAmaS>rE (r{_`_ H$s m{ H$s {d{Y) {d{Z`_, 2002
28 AmBAmaS>rE (A{Yeof Ho$ {dVaU) {d{Z`_, 2002
29 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (gemoYZ) {d{Z`_, 2003
30 AmBAmaS>rE ({Zdoe)(gemoYZ) {d{Z`_, 2004
31 AmBAmaS>rE (AhVm ~r_mH$H$) {d{Z`_, 2004
32 AmBAmaS>rE (Jm_rU/gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d)(gemoYZ) {d{Z`_, 2004
33 AmBAmaS>rE (gy_ ~r_m) {d{Z`_, 2005
34 AmBAmaS>rE (A{YH$m[a`m| Ama A` H$_Mm[a`m| H$s godm H$s eV])(gemoYZ) {d{Z`_, 2005

186
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 9
31/03/2016 VH$ AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_
H$_ g. A{YgyMZm H$m Zm_
35 AmBAmaS>rE (Jm_rU AWdm gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| H$m Xm{`d)(gemoYZ) {d{Z`_, 2005
36 AmBAmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU) (gemoYZ) {d{Z`_, 2007
37 AmBAmaS>rE (H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU)(gemoYZ) {d{Z`_, 2007
38 AmBAmaS>rE (~r_m Xbmb) (gemoYZ) {d{Z`_, 2007
39 AmBAmaS>rE (Jm_rU AWdm gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| H$m Xm{`d) (Vrgam gemoYZ) {d{Z`_, 2008
40 AmBAmaS>rE (Jm_rU AWdm gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| H$m Xm{`d)(MmWm gemoYZ) {d{Z`_, 2008
41 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (Xygam gemoYZ) {d{Z`_, 2008
42 AmBAmaS>rE (A{YH$m[a`m| Ama A` H$_Mm[a`m| H$s godm H$s eV]) (gemoYZ) {d{Z`_, 2008
43 AmBAmaS>rE ({Zdoe)(MmWm gemoYZ) {d{Z`_, 2008
44 AmBAmaS>rE (~r_m CnmXm| Ho$ {dVaU Ho$ {bE So>Q>m~og H$s gmPoXmar) {d{Z`_, 2010
45 AmBAmaS>rE (g_m g~ ~r_m nm{b{g`m| H$m CnMma) {d{Z`_, 2010
46 AmBAmaS>rE (~r_m {dkmnZ Ama H$Q>rH$aU)(gemoYZ) {d{Z`_, 2010
47 AmBAmaS>rE (H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU) (gemoYZ) {d{Z`_, 2010
48 AmBAmaS>rE (gmYmaU ~r_m `dgm` Ho$ g_m_obZ Ama AVaU H$s `moOZm) {d{Z`_, 2011
49 AmBAmaS>rE (OrdZ ~r_m H$n{Z`m| mam nyO r H$m {ZJ_) {d{Z`_, 2011
50 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (Vrgam gemoYZ) {d{Z`_, 2012
51 AmBAmaS>rE (~r_m gbmhH$ma g{_{V) (~R>H$| ) (nhbm gemoYZ) {d{Z`_, 2012
52 AmBAmaS>rE (Xoer AWdm {dXoer gWm go g~{ YV JmonZr` gyMZm H$s gmPoXmar) {d{Z`_, 2012
53 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU)(MmWm gemoYZ) {d{Z`_, 2013
54 AmBAmaS>rE ({Z`w$ ~r_mH$H$) (nhbm gemoYZ) {d{Z`_, 2013
55 AmBAmaS>rE (gmYmaU ~r_m - nwZ~u_m) {d{Z`_, 2013
56 AmBAmaS>rE (~r_m Xbmb) (Xygam gemoYZ) {d{Z`_, 2013
57 AmBAmaS>rE (OrdZ ~r_m `dgm` Ho$ g_m_obZ Ama AVaU H$s `moOZm) {d{Z`_, 2013
58 AmBAmaS>rE (A` nj ~YH$ - dm` godmE)(nhbm gemoYZ) {d{Z`_, 2013
59 AmBAmaS>rE (OrdZ ~r_m Ho$ {bE _mZH$ Vmd \$m_) {d{Z`_, 2013
60 AmBAmaS>rE (`dgm` Ho$ WmZ) {d{Z`_, 2013
61 AmBAmaS>rE (gmYmaU ~r_m H$n{Z`m| mam nyO r H$m {ZJ_) {d{Z`_, 2013
62 AmBAmaS>rE (Ag~ ~r_m CnmX) {d{Z`_, 2013
63 AmBAmaS>rE (dm` ~r_m) {d{Z`_, 2013
64 AmBAmaS>rE (g~ ~r_m CnmX) {d{Z`_, 2013
65 AmBAmaS>rE ({Zdoe) (nmMdm gemoYZ) {d{Z`_, 2013
66 AmBAmaS>rE (OrdZ ~r_m - nwZ~u_m) {d{Z`_, 2013
67 AmBAmaS>rE (~r_m gd}jH$ Ama hm{Z {ZYmaH$ - bmBg|grH$aU, `mdgm{`H$ AnojmE Ama AmMaU g{hVm) (gemoYZ) {d{Z`_, 2013
68 AmBAmaS>rE (~r_m Xbmbm| Ho$ $n _| ~H$m| H$m bmBg|grH$aU) {d{Z`_, 2013
69 AmBAmaS>rE (do~ gJm hH$) {d{Z`_, 2013

187
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 9
31/03/2016 VH$ AmBAmaS>rE A{Y{Z`_, 1999 Ho$ AYrZ ~Zm`o J`o {d{Z`_
H$_ g. A{YgyMZm H$m Zm_
70 AmBAmaS>rE (~R>H$| ) (nhbm gemoYZ) {d{Z`_, 2013
71 AmBAmaS>rE AmBEgr (~R>H$| ) (Xygam gemoYZ) {d{Z`_, 2013
72 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013
73 AmBAmaS>rE (Q>rnrE - dm` godmE) (Xygam gemoYZ) {d{Z`_, 2013
74 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (nmMdm gemoYZ) {d{Z`_, 2013
75 AmBAmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU)(gemoYZ) {d{Z`_, 2013
76 AmBAmaS>rE (~r_m gd}jH$ Ama hm{Z {ZYmaH$ - bmBg|grH$aU, `mdgm{`H$ AnojmE Ama AmMaU g{hVm) (Xygam gemoYZ) {d{Z`_, 2013
77 AmBAmaS>rE (A{YH$m[a`m| Ama A` H$_Mm[a`m| H$s godm H$s eV]) (Vrgam gemoYZ) {d{Z`_, 2014
78 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (N>R>dm gemoYZ) {d{Z`_, 2014
79 AmBAmaS>rE (dm` ~r_m) (nhbm gemoYZ) {d{Z`_, 2014
80 AmBAmaS>rEAmB (~r_m {dnUZ \$_ H$m nOrH$aU) {d{Z`_, 2014
81 AmBAmaS>rEAmB (gy_ ~r_m) {d{Z`_, 2015
82 AmBAmaS>rEAmB (~r_m H$n{Z`m| Ho$ B{$Q>r eo`am| H$m AVaU) {d{Z`_, 2015
83 AmBAmaS>rEAmB (Zm_mH$Z Ho$ nOrH$aU, {ZagZ AWdm n[adVZ Ho$ {bE ewH$) {d{Z`_, 2015
84 AmBAmaS>rEAmB (g_ZwXeo Z AWdm AVaU H$s gyMZm m hmoZo H$s {b{IV m{-gyMZm XmZ H$aZo Ho$ {bE ewH$) {d{Z`_, 2015
85 AmBAmaS>rEAmB (_moQ>a A` nj ~r_m `dgm` Ho$ g~Y _| ~r_mH$Vm H$m Xm{`d) {d{Z`_, 2015
86 AmBAmaS>rEAmB (`dgm` Ho$ WmZ) {d{Z`_, 2015
87 AmBAmaS>rEAmB (~r_m A{^boIm| H$m AZwajU) {d{Z`_, 2015
88 AmBAmaS>rEAmB (H$manmoaoQ> EO|Q>m| H$m nOrH$aU) {d{Z`_, 2015
89 AmBAmaS>rEAmB (Jm_rU Ama gm_m{OH$ jom| Ho$ {V ~r_mH$VmAm| Ho$ Xm{`d) {d{Z`_, 2015
90 AmBAmaS>rEAmB (dm{f{H$`m| Ama A` bm^m| Ho$ {bE `yZV_ gr_mE) {d{Z`_, 2015
91 AmBAmaS>rEAmB (A`nU Ama Xm _y`m| H$m A{YJhU) {d{Z`_, 2015
92 AmBAmaS>rEAmB (gm_m` godm Ho$m| mam ~r_m godmE) {d{Z`_, 2015
93 AmBAmaS>rEAmB (bm`S>g H$mo N>mSo >H$a A` {dXoer nwZ~u_mH$VmAm| Ho$ emIm H$m`mb`m| H$m nOrH$aU Ama n[aMmbZ) {d{Z`_, 2015.
94 AmBAmaS>rEAmB (~r_m gd}jH$ Ama hm{Z {ZYmaH$) {d{Z`_, 2015
95 AmBAmaS>rEAmB (~r_m {dkmnZ Ama H$Q>rH$aU) (gemoYZ) {d{Z`_, 2015
96 AmBAmaS>rEAmB (A` H$ma H$s nyO r) {d{Z`_, 2015
97 AmBAmaS>rEAmB (OrdZ ~r_m `dgm` H$mo N>mSo >H$a A` H$ma H$m `dgm` H$aZodmbr ^maVr` ~r_m H$n{Z`m| mam nyO r {ZJ_) {d{Z`_, 2015
98 AmBAmaS>rEAmB (OrdZ ~r_m `dgm` H$aZodmbr ^maVr` ~r_m H$n{Z`m| mam nyO r {ZJ_) {d{Z`_, 2015
99 AmBAmaS>rEAmB (bm`S>g H$mo N>mSo >H$a A` {dXoer nwZ~u_mH$VmAm| Ho$ emIm H$m`mb`m| H$m nOrH$aU Ama n[aMmbZ) (nhbm gemoYZ) {d{Z`_, 2016
100 AmBAmaS>rEAmB ({dda{U`m| H$m {ZarjU Ama {V`m| H$s Amny{V Ho$ {bE ewH$) {d{Z`_, 2015
101 AmBAmaS>rEAmB (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) (gmVdm gemoYZ) {d{Z`_, 2016
102 AmBAmaS>rEAmB (bm`S>g B{S>`m) {d{Z`_, 2016
103 AmBAmaS>rEAmB (Q>rnrE - dm` godmE) {d{Z`_, 2016
gaH$mar amOn _| A{Ygy{MV

188
 dm{fH$ [anmoQ> 2015-16

AZw~Y 10(i)
{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS>
H$_ gWm H$m Zm_ XS> H$s am{e XS> H$m AXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
g. (` _|) H$aZo H$s VmarI
1 [abm`g gmYmaU ~r_m H$nZr {b. 500000 10/4/2015 AmBAmaS>rE (dm` ~r_m) {d{Z`_, 2013 H$m CKZ
2 JmoH$w b_ hoW g{dgOo Q>rnrE m. {b. 200,000 13/4/2015 AmBAmaS>rE (Q>rnrE-dm` godmE) {d{Z`_ H$m CKZ
3 `wZmBQo>S> B{S>`m B`moa|g H$nZr {b. 6,000,000 22/4/2015 AmBAmaS>rE (~r_m H$n{Z`m| Ho$ {dmr` {ddaU Ama boIm-narjH$m|
H$s [anmoQ> V`ma H$aZm) {d{Z`_, 2002, AmBAmaS>rE (nm{bgrYmaH$m|
Ho$ {hVm| H$m gajU) {d{Z`_, 2002, E\$ES>`y {Xem{ZX}em|, ~r_m
A{Y{Z`_ H$s Ymam 64dr~r, AmBAmaS>rE (EEgEbE_) {d{Z`_,
2000, AmBAmaS>rE (~r_m EO|Q>m| H$m bmBg|grH$aU) {d{Z`_,
2000, {dkmnZ {Xem{ZX}em| Ama bmBg|gm gWmAm| H$mo ^wJVmZm|
g~Y r {Xem{ZX}em| H$m CKZ
4 Mmobm E_Eg OZab B`moag| H$nZr {b. 100,000 24/4/2015 m{YH$aU Ho$ AZw_moXZ Ho$ {~Zm "Mmobm E_Eg H$manmoaQo > Q>db B`moag| '
Zm_H$ CnmX H$m {dnUZ
5 ZoeZb B`moag| H$nZr {b. 500,000 27/4/2015 AmB A maS> r E (dm` ~r_m) {d{Z`_, 2013 Ho $ {d{Z`_
5(Ama),5(B),5(E\$)(iv),5(Or),8(S>r)(iv) VWm AmBAmaS>rE
A{Y{Z`_, 1999 H$s Ymam 14(2)(EM) H$m CKZ
6 JwS> hoW bmZ Q>rnrE {b. 500,000 28/4/2015 AmBAmaS>rE (Q>rnrE-dm` godmE) {d{Z`_ H$m CKZ
7 B{S>`m \$Q> bmB\$ B`moag| H$nZr {b. 6,500,000 27/5/2015 ~r_m A{Y{Z`_ H$s Ymam 40(1), 40(E), H$manmoaQo > EO|Q>, E\$ES>`y
Am a gm_y { hH$ ~r_m g ~ Y r {Xem{ZX} e m| Ed AmB A maS> r E
(nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_, 2002 H$m CKZ
8 `yMa OZambr B{S>`m bmB\$ 5,000,000 9/6/2015 AmBAmaS>rE (~r_m H$n{Z`m| H$m nOrH$aU) {d{Z`_, 2000 Ho$
B`moag| H$nZr {b. Cn~Ym|, ~r_m A{Y{Z`_, 1938 H$s Ymam 40(1) Ama 42(7),
AmBAmaS>rE (So>Q>m~og H$s gmPoXmar) {d{Z`_, 2010, H$manmoaoQ>
EO|Q>m| g~Y r {Xem{ZX}em| VWm AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm|
H$m gajU) {d{Z`_, 2002 H$m CKZ
9 B{S>`m \$Q> bmB\$ B`moag| H$nZr {b. 500,000 3/7/2015 ~r_m A{Y{Z`_, 1938 H$s Ymam 40 (1) VWm AmBAmaS>rE
(H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002 Ho$ AYrZ {ZJV
n[an g. 017/AmBAmaS>rE/n[an/grE {Xem{ZX}e /2005
{XZmH$ 14 OwbmB 2005 Ho$ IS> 21 H$m CKZ
10 Q>mQ>m EAmBE bmB\$ B`moag| H$nZr {b. 1,000,000 3/7/2015 AmBAmaS>rE (H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002
Ho$ AYrZ {ZJV n[an g. 017/AmBAmaS>rE/n[an/grE
{Xem{ZX}e/2005 {XZmH$ 14 OwbmB 2005 Ho$ IS> 21 H$m CKZ
11 EbES>Q>r OZab B`moag| H$nZr {b. 5,000,000 30/7/2015 E\$ES>`y {Xem{ZX}em|, XyaW {dnUZ {Xem{ZX}em|, AmBAmaS>rE
(nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_,2002 VWm ~r_m
A{Y{Z`_, 1938 H$s Ymam 40(1) Ama 42S>r(8) H$m CKZ
12 ~OmO Abm`O OZab B`moag| H$nZr {b. 1,500,000 31/7/2015 ~r_m A{Y{Z`_ H$s Ymam 64dr~r, 40(1) Ama 42S>r(8) VWm
H$_reZ n[an {XZmH$ 25/08/2008 H$m CKZ
13 [abm`g bmB\$ B`moag| H$nZr {b. 8,500,000 6/8/2015 AmCQ>gmo{gJ {Xem{ZX}em| Ama H$manmoaQo > A{^emgZ g~Y r {Xem{ZX}em|
H$m CKZ&

189
 dm{fH$ [anmoQ> 2015-16

Omar... AZw~Y 10(i)

{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS>
H$_ gWm H$m Zm_ XS> H$s am{e XS> H$m AXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
g. (` _|) H$aZo H$s VmarI
14 AmBgrAmBgrAmB bmo~mS> 1,000,000 3/9/2015 E\$ES>`y {Xem{ZX}em| VWm ~r_m A{Y{Z`_, 1938 H$s Ymam 64dr~r
OZab B`moag| H$nZr {b. H$m CKZ&
15 [abm`g OZab B`moag| H$nZr {b. 500,000 10/9/2015 AmBAmaS>rE (~r_m H$n{Z`m| H$m nOrH$aU) {d{Z`_, 2000 Ho$
{d{Z`_ 2(Or)(i) Ho$ Cn~Ym| H$m CKZ
16 [abm`g bmB\$ B`moag| H$nZr {b. 500,000 10/9/2015 AmBAmaS>rE (^maVr` ~r_m H$n{Z`m| H$m nOrH$aU) {d{Z`_, 2000
Ho$ {d{Z`_ 2(Or)(i) H$m CKZ
17 AmBgrAmBgrAmB bmB\$ B`moag| 500,000 9/10/2015 AmCQ>gmo{gJ {Xem{ZX}em| H$m CKZ&
H$nZr {b.
18 AmBS>r~rAmB \o$S>ab bmB\$ 1,600,000 4/11/2015 gm_y{hH$ ~r_m {Xem{ZX}em|, E\$ES>`y {Xem{ZX}em|, ~r_m A{Y{Z`_,
B`moag| H$nZr {b. 1938 H$s Ymam 40E(1) Ama 40(1) VWm AmBAmaS>rE (H$manmoaQo >
EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002 H$m CKZ
19 BQ> doQ> A{gQ> Q>rnrE m. {b. 100,000 17/11/2015 AmBAmaS>rE (Q>rnrE - dm` godmE) {d{Z`_ H$m CKZ&
20 Mmobm E_Eg OZab B`moag| H$nZr {b. 2,500,000 16/12/2015 E\$ES>`y {Xem{ZX}em|, ~r_m A{Y{Z`_, 1938 H$s Ymam 64dr~r,
AmBAmaS>rE (So>Q>m~og H$s gmPoXmar) {d{Z`_, 2010 VWm
AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm| H$m gajU) {d{Z`_, 2002
H$m CKZ&
21 BH$mo-Q>m{o H$`mo OZab B`moag| H$nZr {b. 1,000,000 7/1/2016 E\$ES>`y {Xem{ZX}em| Ama AmBAmaS>rE (H$manmoaoQ> EO|Q>m| H$m
bmBg|grH$aU) {d{Z`_, 2002 Ho$ Cn~Ym| H$m CKZ&
22 `y{Zdgb gmonmo OZab B`moag| H$nZr {b. 1,500,000 7/1/2016 E\$ES>`y {Xem{ZX}em|, bmBg|gm gWmAm| H$mo A{V[a$ ^wJVmZm|,
`dgm` H$s Anojm g~Y r {Xem{ZX}em| Ama AmBAmaS>rE (So>Q>m~og
H$s gmPoXmar) {d{Z`_, 2010 H$m CKZ&
23 AZ_mob _oS>rHo$Aa Q>rnrE {b. 500,000 11/1/2016 AmBAmaS>rE (Q>rnrE-dm` godmE) {d{Z`_ H$m CKZ&
24 Xr `y B{S>`m E`moa|g H$nZr {b. 500,000 19/1/2016 AmBAmaS>rE (dm` ~r_m) {d{Z`_, 2013 Ho$ {d{Z`_ 4(E) H$m
CKZ
25 Xr Amo[a`Q>b B`moag| H$nZr {b. 2,000,000 8/2/2016 gm_y{hH$ ~r_m {Xem{ZX}em|, E\$ES>`y {Xem{ZX}em| Ama `dgm` H$s
Anojm H$aZo g~Y r {Xem{ZX}em| H$m CKZ
26 Xr `y B{S>`m E`moa|g H$nZr {b. 1,500,000 11/3/2016 AmBAmaS>rE (H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002,
E\$ES>`y {Xem{ZX}em| Ama AmBAmaS>rE (nm{bgrYmaH$m| Ho$ {hVm|
H$m gajU) {d{Z`_, 2002 H$m CKZ&
27 EgmBS> bmB\$ B`moag| H$nZr {b. 1,100,000 21/3/2016 ~r_m A{Y{Z`_ H$s Ymam 45, gm_y{hH$ ~r_m {Xem{ZX}em| Ama
AmBAmaS>rE (H$manmoaQo > EO|Q>m| H$m bmBg|grH$aU) {d{Z`_, 2002
H$m CKZ&
28 Q>ma XmB-BMr bmB\$ B`moag| H$nZr {b. 100,000 22/3/2016 gm_y{hH$ ~r_m g~Y r {Xem{ZX}em| H$m CKZ

190

{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (~r_m Xbmb)
H$_ gWm H$m Zm_
g.
1 Am{X` {~S>bm B`ya|g ~moH$g {b.
2 gpdZ B`moa|g ~moH$g m. {b.
3 ZdZrV B`moa|g ~moqH$J m. {b.
4 `y{ZOmZ B`moa|g ~moqH$J g{dgoO m. {b.
5 gbmga g{dgoO B`a|g ~moH$g m. {b.
6 B{S>`m{Zdoe B`moa|g ~moH$g m. {b.
7 amOH$U B`moa|g ~moH$a m. {b.
8 EAmBE_Eg B`moa|g ~moqH$J m. {b.
9 Q>mgE{e`m H$mnmo{OQ> B`moa|g ~moqH$J {b.
10 BQ>aqbH$ B`moa|g ES> ar-B`moa|g ~moqH$J m. {b.
11 AmaAma B`moa|g ~moH$g m. {b.
dm{fH$ [anmoQ> 2015-16
- 10(ii)
AZw~Y
XS> H$s am{e XS> H$m AmXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
H$aZo H$s VmarI
`> 1,000,000 1/4/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20
Ho$ CKZ Ho$ {bE bJm`m J`m . 3 bmI H$m XS>. (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$ CKZ Ho$ {bE
bJm`m J`m . 2 bmI H$m XS> (3) AmBAmaS>rE (~r_m Xbmb)
{d{Z`_, 2013 Ho$ {d{Z`_ 8 (2)(xiv) Ho$ CKZ Ho$ {bE bJm`m
J`m . 5 bmI H$m XS>
`> 100,733 1/4/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE bJm`m J`m . 733/- H$m XS>. (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$ CKZ Ho$ {bE
bJm`m J`m . 1 bmI H$m XS>
`> 302,500 9/4/2015 (1)AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {boE bJm`m J`m . 2500/- H$m XS>. (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE bJm`m J`m . 1 bmI H$m XS>. (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3) Ho$ CKZ Ho$
{bE bJm`m J`m . 2 bmI H$m XS>&
`> 400,000 9/4/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 _| `Wm{d{Z{X>
AmMaU-g{hVm Ho$ IS> 3(I) Ho$ CKZ Ho$ {bE bJm`m J`m .
2 bmI H$m XS>. (2) gd`mnr ~Y go g~{YV Omo{I_ {ZYmaU
[anmoQ>, AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
4 Ho$ CKZ Ho$ {bE bJm`m J`m . 2 bmI H$m XS>.
` 500,000 13/4/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 34(I)
Ho$ CKZ Ho$ {bE bJm`m J`m . 5 bmI H$m XS>&
`> 1,300,000 13/4/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20
Ho$ CKZ Ho$ {bE bJm`m J`m . 6 bmI H$m XS>& (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 34(I) Ho$ CKZ Ho$
{bE bJm`m J`m . 5 bmI H$m XS>. (3) AmBAmaS>rE (~r_m
Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_, 9(2)(I) Ho$ CKZ Ho$
{bE bJm`m J`m . 2 bmI H$m XS>&
`> 11,034 13/4/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE bJm`m J`m . 11034/- H$m XS>&
` 100,000 20/4/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m&
` 200,000 21/4/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 600,000 23/4/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE bJm`m J`m . 6 bmI H$m XS>&
`> 523,608 27/4/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE bJm`m J`m . 23,608/- H$m XS>& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 8(2)
(iii) Ho$ CKZ Ho$ {bE bJm`m J`m . 5 bmI H$m XS>&
191

{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (~r_m Xbmb)
H$_ gWm H$m Zm_
g.
12 {dnwb B`moa|g ~moH$g m. {b.
13 OoHo$ [ag _ZoOg ES> B`moa|g ~moH$g {b.
14 r{_`_ B`moa|g ~moH$g m. {b.
15 Jbgr [aH$ B`moa|g ~moH$g m. {b.
16 Oo~r ~moS>m B`moa|g ~moH$g m. {b.
17 dH$Z BQ>aZoeZb B`moa|g ~moH$g {b.
18 E`y B`moa|g ~moqH$J g{dgoO m. {b.
19 _mU ar-B`moa|g ~moH$g m. {b.
20 _Wamdmbm ES> gO B`moa|g ~moH$g m. {b.
21 Orb S>mBaoQ> ES> ar-B`moa|g ~moqH$J g{dgoO m. {b.
dm{fH$ [anmoQ> 2015-16
- 10(ii)
Omar.. AZw~Y
XS> H$s am{e XS> H$m AmXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
H$aZo H$s VmarI
` 200,000 4/5/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE bJm`m J`m . 2 bmI H$m XS>&
` 400,000 12/5/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(2)(~r) Ho$ CKZ Ho$ {bE bJm`m J`m . 2 bmI H$m XS>.
(2) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3)(E) Ama (~r) Ho$ CKZ Ho$ {bE bJm`m J`m . 2 bmI
H$m XS>&
` 2,500 7/5/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE bJm`m J`m . 2,500/- H$m XS>&
` 302,500 18/5/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13
Ho$ CKZ Ho$ {bE bJm`m J`m . 1 bmI H$m XS>& (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$ CKZ Ho$
{bE bJm`m J`m . 2500/- H$m XS>& (3) AmBAmaS>rE (~r_m
Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3)(~r) Ho$ CKZ Ho$
{bE bJm`m J`m . 2 bmI H$m XS>&
`> 800,000 18/5/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13
Ho$ CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m& (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 21(3)(~r) Ho$ CKZ
Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (3) AmBAmaS>rE (~r_m
Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 27 Ho$ CKZ Ho$ {bE . 2
bmI H$m XS> bJm`m J`m& (4) AmBAmaS>rE (~r_m Xbmb)
{d{Z`_, 2002 Ho$ {d{Z`_ 9(2)(~r) Ho$ CKZ Ho$ {bE . 3
bmI H$m XS> bJm`m J`m&
`> 300,000 18/5/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE . 3 bmI H$m XS> bJm`m J`m&
` 200,000 18/5/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3)(~r) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 407,500 5/5/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 14
Ho$ CKZ Ho$ {bE . 7500/- H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 34(2) Ho$ CKZ Ho$
{bE . 2 bmI H$m XS> bJm`m J`m&
`> 479,790 26/5/2015 (1)AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 24
Ho$ CKZ Ho$ {bE . 4 bmI H$m XS> bJm`m J`m& (2) ABAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$ CKZ Ho$ {bE
. 79,790/- H$m XS> bJm`m J`m&
`> 12,500 26/5/2016 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 12500/- H$m XS> bJm`m J`m&
192

{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (~r_m Xbmb)
H$_ gWm H$m Zm_
g.
22 qbH$-Ho$ B`moa|g ~moH$a H$nZr {b.
23 gwajm B`moa|g ~moH$g m. {b.
24 g`Z B`moa|g ~moH$g m. {b.
25 So>$Z B`moa|g ES> ar-B`moa|g ~moH$g m. {b.
26 bmB\$ ES> OZab B`moa|g ES> arB`moa|g ~moH$g m. {b. `> 491,315
27 B`moQo>H$ B`moa|g ~moqH$J g{dgoO m. {b.
28 noamO B`moa|g ~moH$g m. {b.
29 go\$do B`moa|g ~moH$g m. {b.
30 brS>g B`moa|g ~moH$g m. {b.
31 {ZnwU B`moa|g ~moH$g mBdoQ> {b.
dm{fH$ [anmoQ> 2015-16
- 10(ii)
Omar.. AZw~Y
XS> H$s am{e XS> H$m AmXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
H$aZo H$s VmarI
`> 400,000 8/6/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 8(2)(xiv) Ho$ CKZ
Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 300,000 9/6/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE . 3 bmI H$m XS> bJm`m J`m&
`> 203,886 10/6/2015 (1)AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE . 3,886/- H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 200,000 25/6/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 8(2)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
8/7/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE . 91,315 H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 18(3)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3) Ho$ CKZ Ho$
{bE . 2 bmI H$m XS> bJm`m J`m&
`> 100,000 8/7/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m&
` 200,000 11/7/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 18(3)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 1,020,000 28/7/2015 (1).AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
18 Ho$ CKZ Ho$ {bE . 20,000/- H$m XS> bJm`m J`m&
(2).AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
13 Ho$ CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m& (3)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(1)
Ama 9(2) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
(4) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 H$s AmMaU-
g{hVm Ho$ {d{Z`_ 3(~r) Ho$ CKZ Ho$ {bE . 5 bmI H$m XS>
bJm`m J`m& (5) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013
Ho$ {d{Z`_ 41(1)(Amo) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS>
bJm`m J`m&
` 305,750 31/7/2015 (1).AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
18 Ho$ CKZ Ho$ {bE . 5,750/- H$m XS> bJm`m J`m& (2).
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 13(2)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$ CKZ Ho$ {bE
. 1 bmI H$m XS> bJm`m J`m&
`> 300,000 31/7/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE . 3 bmI H$m XS> bJm`m J`m&
193
 dm{fH$ [anmoQ> 2015-16

- 10(ii)
Omar.. AZw~Y
{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (~r_m Xbmb)
H$_ gWm H$m Zm_ XS> H$s am{e XS> H$m AmXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
g. H$aZo H$s VmarI

32 Qo>bmog [aH$ _ZoO_|Q> ES> B`moa|g ~moqH$J g{dgoO m. {b. `> 300,000
33 drAmBEg B`moa|g ~moH$g m. {b.
34 eVmXr B`moa|g ~moH$a {b.
35 H$m{Q>Z|Q>b gwajm B`moa|g ~moqH$J g{dgO m. {b.
36 E_EEgEg B`moa|g ~moH$g m. {b.
37 H$mnmo{OQ> B`moa|g ~moH$g ES> ES>dmBOg m. {b.
38 aJCmZ B`moa|g ~moqH$J g{dgoO {b.
39 AZma B`moa|g ~moH$g {b.
40 AmaAmBoE B`moa|g ~moH$g m. {b.
41 {l`mh B`moa|g ~moH$g m. {b.
42 {gZOu B`moa|g ~moqH$J g{dgoO m. {b.
43 Amb_mS>O B`moa|g ~moH$g m. {b.
44 lo`f B`moa|g ~moH$g m. {b.
45 _I{V B`moa|g ~moH$a m. {b.
31/7/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE . 3 bmI H$m XS> bJm`m J`m&
`> 230,000 31/7/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE . 30,000/- H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 300,000 31/7/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13
Ho$ CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m& (2). AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3) Ho$ CKZ Ho$
{bE . 2 bmI H$m XS> bJm`m J`m&
`> 11,926 31/7/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE . 11,926 H$m XS> bJm`m J`m&
` 302,500 31/7/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18
Ho$ CKZ Ho$ {bE . 2,500/- H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE . 3 bmI H$m XS> bJm`m J`m&
` 80 4/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 80 H$m XS> bJm`m J`m&
`> 405,776 5/8/2015 (1). AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
14 Ho$ CKZ Ho$ {bE . 5,776/- H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
8(2)(iii) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (3)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 21 Ho$
CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 300,000 12/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 20 Ho$
CKZ Ho$ {bE . 3 bmI H$m XS> bJm`m J`m&
`> 200,000 21/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
`> 400,000 21/8/2015 (1)AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 9(3)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 38(4) Ho$ CKZ Ho$
{bE . 2 bmI H$m XS> bJm`m J`m&
`> 5,937 24/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 14 Ho$
CKZ Ho$ {bE . 5,937/- H$m XS> bJm`m J`m&
`> 200,000 27/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 4 Ho$
CKZ Ho$ {bE . 2,00,000 H$m XS> bJm`m J`m&
`> 20,000 28/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 14 Ho$
CKZ Ho$ {bE . 20,000 H$m XS> bJm`m J`m&
`> 3,000 31/8/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 14 Ho$
CKZ Ho$ {bE . 3000/- H$m XS> bJm`m J`m&

194

{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (~r_m Xbmb)
H$_ gWm H$m Zm_
g.
46 H$moaQ>r B`moa|g ~moH$g (B{S>`m) m. {b.
47 gZaog B`moa|g ~moqH$J g{dgoO {b.
48 ~r`yQ>r BQ>aZoeZb B`moa|g ~moH$a m. {b.
49 am`b B`moa|g ~moqH$J (B{S>`m) m. {b.
50 H$s B`moa|g ~moH$g m. {b.
51 Abm`g B`moa|g ~moH$g m. {b.
52 b|S> B`moa|g ~moH$g m. {b.
53 H$mao B{S>`m B`moa|g ~moH$g m. {b.
54 D${OVm B`moa|g ~moH$g m. {b.
55 BH$m_Zr B`moa|g ~moH$g m. {b.
56 do2doW B`moa|g ~moH$g m. {b.
dm{fH$ [anmoQ> 2015-16
- 10(ii)
Omar.. AZw~Y
XS> H$s am{e XS> H$m AmXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
H$aZo H$s VmarI
`> 205,000 1/9/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 5,000/- H$m XS> bJm`m J`m&
`> 305,000 11/9/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m& (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 14 Ho$ CKZ Ho$ {bE
. 5,000/- H$m XS> bJm`m J`m&
`> 100,000 8/9/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m&
` 110,500 22/9/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13
Ho$ CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m& (2) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$ CKZ Ho$ {bE
. 10,500/- H$m XS> bJm`m J`m&
`> 102,500 24/9/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3) Ho$ CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 2,500/- H$m XS> bJm`m J`m&
`> 50,000 5/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 50,000/- H$m XS> bJm`m J`m&
`> 300,000 25/9/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 1 bmI H$m XS> bJm`m J`m&
`> 206,297 15/10/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 6,297/- H$m XS> bJm`m J`m&
`> 2,500 16/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 2,500/- H$m XS> bJm`m J`m&
`> 402,500 16/10/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
9(3) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$
CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$ CKZ Ho$ {bE
. 2,500/- H$m XS> bJm`m J`m&
`> 200,000 20/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 8(2)(iii)
Ho$ CKZ Ho$ {bE . 2,00,000 H$m XS> bJm`m J`m&
195
 dm{fH$ [anmoQ> 2015-16

- 10(ii)
Omar.. AZw~Y
{dmr` df 2015-16 Ho$ XmamZ m{YH$aU mam bJm`o J`o XS> (~r_m Xbmb)
H$_ gWm H$m Zm_ XS> H$s am{e XS> H$m AmXoe Omar {H$`o J`o CKZ H$m g{j {ddaU
g. H$aZo H$s VmarI
57 Egby{Od B`moa|g ~moqH$J g{dgoO {b. `> 5,000 20/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 5,000/- H$m XS> bJm`m J`m&
58 \$S>Q>r B`moa|g ~moH$g m. {b. `> 5,000 28/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 5,000/- H$m XS> bJm`m J`m&
59 _moha B`moa|g ~moqH$J ES> g{dgoO m. {b. `> 200,000 27/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 8(2)(iii)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
60 bo{Q>Z_dZ B`moa|g ~moqH$J m. {b. `> 5,000 30/10/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_
18 Ho$ CKZ Ho$ {bE . 5,000/- H$m XS> bJm`m J`m&
61 B{S>Qo>S> B`moa|g ~moqH$J m. {b. `> 5,000 29/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 5,000/- H$m XS> bJm`m J`m&
62 hpVam B`moa|g ~moqH$J m. {b. `> 2,500 30/10/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 2,500/- H$m XS> bJm`m J`m&
63 ~oQ> B`moa|g ~moqH$J g{dgoO m. {b. `> 308,115 3/12/2015 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
8(2)(iii) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m& (2)
AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2002 Ho$ {d{Z`_ 18 Ho$
CKZ Ho$ {bE . 8,115/- H$m XS> bJm`m J`m& (3) AmBAmaS>rE
(~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 13 Ho$ CKZ Ho$ {bE
. 1 bmI H$m XS> bJm`m J`m&
64 AmBAmBQ>r B`moa|g ~moqH$J ES> [aH$ _ZoO_|Q> m. {b. `> 200,000 13/11/2015 AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_ 8(2)(iii)
Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
65 E~r B`moa|g ~moH$g m. {b. `> 800,000 12/1/2016 (1) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 Ho$ {d{Z`_
8(2)(xiv) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
(2) AmBAmaS>rE (~r_m Xbmb) {d{Z`_ 2013 Ho$ {d{Z`_
41(1)(S>r) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&
(3) AmBAmaS>rE (~r_m Xbmb) {d{Z`_, 2013 H$s AmMaU-
g{hVm Ho$ IS> 3(~r) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m
J`m& (4). m{YH$aU mam Omar {H$`o J`o XyaW {dnUZ {Xem{ZX}em|
Ho$ IS> 7(i) Ho$ CKZ Ho$ {bE . 2 bmI H$m XS> bJm`m J`m&

196
 ANNUAL REPORT
2015-16

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA

Head Office
3rd Floor, Parishram Bhavan, Basheerbagh,
Hyderabad - 500 004, INDIA
Phone : +91-40-2338 1100 / 1300
Fax : +91-40-6682 3334

Delhi Office Mumbai Office

Gate No.3, 1st Floor, Jeevan Tara Building Royal Insurance Building, Ground Floor
Parliament Street, New Delhi - 110 001 12, J. Tata Road (Near Church gate)
INDIA Mumbai 400 020, INDIA
Phone : +91-11-2344 4400 Phone : +91-22-2289 8600
Fax : +91-11-2374 7650

Website:www.irda.gov.in
E-mail: irda@irda.gov.in
 ANNUAL REPORT 2015-16

CONTENTS
MISSION STATEMENT
IRDAI MEMBERS OF THE AUTHORITY 31.03.2016
SENIOR OFFICIALS AT IRDAI

PART I
POLICIES AND PROGRAMMES
Page No.
I.1 General Economic Environment ................... 1
I.2 World Insurance Scenario ................... 4
I.3 Appraisal of Indian Insurance Market ................... 7
I.4 Review ................... 28
I.4.1 Protection of Interests of Policyholders ................... 28
I.4.2 Maintenance of Solvency Margins of Insurers ................... 34
I.4.3 Monitoring of Reinsurance ................... 35
I.4.4 Insurance Pools - Terrorism Pool ................... 36
I.4.5 Monitoring of Investments by the Insurers ................... 40
I.4.6 Health Insurance Business ................... 43
I.4.7 Business in the Rural and Social Sectors ................... 57
I.4.8 Financial Reporting and Actuarial Standards ................... 59
I.4.9 Anti-Money Laundering/Counter Finance of Terrorism Programme ................... 59
I.4.10 Crop Insurance ................... 61
I.4.11 Micro Insurance ................... 64
I.4.12 Directions, Orders and Regulations issued by the Authority ................... 67
I.4.13 Right to Information Act, 2005 ................... 67
PART II
REVIEW OF WORKING AND OPERATIONS
II.1 Regulation of Insurance and Reinsurance Companies ................... 69
II.2 Individual Agents associated with the Insurance Business,
Intermediaries Associated with the Insurance Business ................... 73
II.3 Professional Institutes connected with Insurance Education ................... 82
II.4 Litigations, Appeals and Court Pronouncements ................... 84
II.5 International Cooperation in Insurance ................... 84
II.6 Grievances ................... 88
II.7 Insurance Associations and Insurance Councils ................... 92
II.8 Insurance Ombudsmen ................... 96

v
 ANNUAL REPORT 2015-16

PART III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Page No.

III.1 Issue to the applicant a certificate of registration, renew, modify, ................... 99

withdraw, suspend or cancel such registration
III.2 Protection of the interests of policyholders in matters concerning ................... 100
assigning of policy, nomination by policyholders, insurable interest,
settlement of insurance claim, surrender value of policy and other terms
and conditions of contracts of insurance
III.3 Specifying requisite qualifications, code of conduct and practical training ................... 103
for intermediaries or Insurance Intermediaries and agents
III.4 Specifying the code of conduct for surveyors and loss assessors ................... 104
III.5 Promoting efficiency in the conduct of insurance business ................... 105
III.6 Promoting and regulating professional organisations connected with the ................... 107
insurance and reinsurance business
III.7 Levying fees and other charges for carrying out the purposes of the Act ................... 108
III.8 Calling for information from, undertaking inspection of, conducting ................... 108
enquiries and investigations including audit of the insurers,
intermediaries, insurance intermediaries and other organisations
connected with the insurance business
III.9 Control and regulation of rates, advantages, terms and conditions that ................... 109
may be offered by insurers in respect of general insurance business not
so controlled and regulated by the Tariff Advisory Committee under
section 64U of the Insurance Act, 1938 (4 of 1938)
III.10 Specifying the form and manner in which books of accounts shall be ................... 110
maintained and statements of accounts shall be rendered by Insurers
and other insurance intermediaries
III.11 Regulating investment of funds by insurance companies ................... 110
III.12 Regulating maintenance margin of solvency ................... 110
III.13 Adjudication of disputes between Insurers and Intermediaries or ................... 112
Insurance Intermediaries
III.14 Specifying the percentage of premium income of the insurer to finance ................... 112
schemes for promoting and regulating professional organisations
referred to in para 6
III.15 Specifying the percentage of life insurance business and general ................... 114
insurance business to be undertaken by the Insurers in the rural and
social sectors

vi
 ANNUAL REPORT 2015-16

PART IV
ORGANISATIONAL MATTERS
Page No.
IV.1 Organisation ................... 117
IV.2 Meetings of the Authority ................... 117
IV.3 Human Resources ................... 118
IV.4 Internal Committee for Women Employees ................... 118
IV.5 Promotion of Official Language ................... 119
IV.6 Research and Development ................... 120
IV.7 Status of Information Technology ................... 121
IV.8 Accounts ................... 122
IV.9 IRDAI Journal ................... 122
IV.10 Acknowledgements ................... 123
BOX ITEMS
1. Innovation in Health Insurance ................... 44
2. Corporate Governance framework for Insurance Companies ................... 108
3. Notification of Ind-AS ................... 111
4. Adjudication proceedings under Section 105 C of Insurance Act, 1938 ................... 113

TEXT TABLES
I.1 Provisional estimates of National Income 2015-16 ................... 1
I.2 Provisional Estimates of GVA at basic price by Economic Activity ................... 2
I.3 Financial Savings of Household sector ................... 3
I.4 Gross Savings ................... 3
I.5 Total Real Premium Growth Rate in 2015 ................... 4
I.6 Region Wise Life and Non-life Insurance Premium ................... 4
I.7 Insurance Penetration and Density in India ................... 6
I.8 Registered Insurers in India ................... 8
I.9 Premium Underwritten: Life Insurers ................... 8
I.10 Market Share: Life Insurers ................... 10
I.11 New Policies Issued: Life Insurers ................... 10
I.12 Paid-up Capital: Life Insurers ................... 10
I.13 Commission Expenses: Life Insurers ................... 11
I.14 Commission Expense Ratio: Life Insurers ................... 11
I.15 Operating Expenses: Life Insurers ................... 12
I.16 Operating Expense Ratio: Life Insurers ................... 12

vii
 ANNUAL REPORT 2015-16

Page No.
I.17 Individual Death Claims of Life Insurers during 2015-16 ................... 13
I.18 Group Death Claims of Life Insurers during 2015-16 ................... 13
I.19 Dividends Paid by Life Insurers ................... 15
I.20 Number of Life Offices ................... 15
I.21A Distribution of Offices of Life Insurers -No. of Life Offices ................... 16
I.21B Number of Life Offices - Tier wise ................... 16
I.22 Gross Direct Premium Income in India: Non-Life Insurers ................... 18
I.23 Gross Direct Premium Income in India: Non-Life Insurers Company-wise ................... 19
I.24 Premium (Within India) Underwritten by Non-Life Insurers Segment-wise ................... 19
I.25 Ratio of Outside India Premium to Total Premium ................... 21
I.26 Gross Direct Premium from Business Outside India ................... 21
I.27 Number of New Policies Issued: Non-Life Insurers ................... 21
I.28 Paid Up Capital: Non-Life Insurers and Reinsurer ................... 22
I.29 Underwriting Experience: Non-Life Insurers ................... 22
I.30 Commission Expenses: Non-Life Insurers ................... 23
I.31 Operating Expenses: Non-Life Insurers ................... 23
I.32 Net Incurred Claims: Non-Life Insurers ................... 24
I.33 Incurred Claims Ratio: Non-Life Insurers ................... 24
I.34 Investment Income: Non-Life Insurers ................... 24
I.35 Net Profits of Non-Life Insurers ................... 25
I.36 Dividend Paid: Non-Life Insurers ................... 26
I.37 Number of Non-Life Insurance Offices ................... 26
I.38 Number of Non-life Offices Tier- wise as on 31.03.2016 ................... 26
I.39 Net Retentions (GIC) 2015 - 16 ................... 37
I.40 Members share in Indian Market Terrorism Risk Insurance Pool ................... 38
I.41 Reinsurance Ceded Outside India on Indian Business (Excluding GIC) ................... 39
I.42 Reinsurance placed within India and Outside India as percentage of ................... 39
Gross Direct Premium in India. (Excluding GIC)
I.43 Net Retained Premium on Indian Business as percentage of ................... 39
Gross Direct Premium (Excluding GIC)
I.44 Net Retention of Non-life insurers as percentage of ................... 40
Gross Direct Premium (Including GIC)
I.45 Premium Ceded under Declined Risk Pool for the year 2015-16 ................... 40
I.46 Total Investments of the Insurance Sector ................... 41
I.47 Total Investments of Life Insurers: Instrument-wise ................... 41
I.48 Investments of Life Insurers: Fund-wise ................... 42

viii
 ANNUAL REPORT 2015-16

Page No.

I.49 Growth of Investments: Fund-wise ................... 42

I.50 Total Investments of Non-Life Insurers: Instrument-wise ................... 43
I.51 Trend in Health Insurance(HI) Premium over the past five years ................... 45
I.52 Classification of Health Insurance Premium ................... 46
I.53 Number of Persons covered under Health Insurance ................... 47
I.54 Class of Business- wise Net Incurred Claims Ratio ................... 48
I.55 Sector-wise Net Incurred Claims Ratio of Health Insurers ................... 48
I.56 Number of Persons covered under Personal Accident Insurance Business ................... 49
I.57 Sector-wise Personal Accident Insurance Premium ................... 49
I.58 Sector-wise Overseas Travel Insurance Premium ................... 50
I.59 Sector-wise Domestic Travel Insurance Gross Premium ................... 50
I.60 Share of Top 5 States in Health Insurance Premium for 2015-16 ................... 51
I.61 Share of various channels of distribution number of policies ................... 52
issued and amount of premium for FY 2015-16
I.62 Claims handled through TPAs ................... 52
I.63 Claims handled directly by the Insurers ................... 53
I.64 Claims handled both through TPAs and In-house ................... 53
I.65 Aging of claims- Claims handled through TPAs ................... 54
I.66 Aging of claims Claims handled by the Insurers in-house ................... 54
I.67 Aging of claims Claims handled through both TPAs and In-house ................... 54
I.68 List of TPAs as on 31st March, 2016 ................... 55
I.69 List of TPAs registrations renewed during 2015-16 ................... 55
I.70 Details of TPAs whose renewal certificate of registration ................... 56
was rejected during 2015-16
I.71 Network providers engaged by TPAs during 2015-16 ................... 56
I.72 Details of compliance of Standalone Health Insurers in ................... 58
rural and social sector obligations during 2015-16
I.73 Non-life insurers(excluding standalone and specialised insurers) ................... 58
rural and social sector business as of 31st March, 2016
I.74 Weather Based Crop Insurance Scheme (WBCIS) ................... 63
I.75 Coconut Palm Insurance Scheme (CPIS) ................... 64
I.76 New Business under Micro Insurance Portfolio for 2015-16 ................... 65
I.77 Micro Insurance Agents of Life Insurers 2015-16 ................... 66
I.78 Individual Death Claims under Micro Insurance Portfolio 2015-16 ................... 66
I.79 Group Death Claims under Micro Insurance Portfolio 2015-16 ................... 66

ix
 ANNUAL REPORT 2015-16

Page No.

I.80 Duration-Wise Death Claims settled in Micro Insurance ................... 67

Individual Category 2015-16
I.81 Duration-Wise Death Claims settled in Micro Insurance ................... 67
Group Category 2015-16
I.82 List of Central Public Information Officers ................... 68
II.1 Details of Individual Agents of Life Insurers 2015-16 ................... 73
II.2 Details of Corporate Agents of Life Insurers 2015-16 ................... 73
II.3 Individual New Business Performance of Life Insurers for 2015-16 ................... 74
Channel-wise
II.4 Group New Business Performance of Life Insurers for 2015-16 ................... 74
Channel-wise
II.5 New Business Premium (Individual and Group) of Life Insurers for 2015-16 ................... 75
Channel-wise
II.6 Licenses Issued to Surveyors and Loss Assessors ................... 77
II.7 Grievances relating to Surveyors and Loss Assessors ................... 77
II.8 Statistics of Insurance Brokers ................... 78
II.9 Offices of Insurance Brokers state-wise as on 31-03-2016 ................... 78
II.10 Web Aggregators Approved by the Authority ................... 79
II.11 Details of Cases Filed for the period 2015-16 ................... 83
II.12 Details of cases disposed/dismissed for the period 2015-16 ................... 83
II.13 Status of Grievances: Life Insurers during 2015-16 ................... 89
II.14 Status of Grievances: Non-Life Insurers during 2015-16 ................... 89
II.15 Grievances- 2015-16 in comparison with 2014-15 Life ................... 90
II.16 Grievances- 2015-16 in comparison with 2014-15 Non-Life ................... 90
II.17 Grievances- 2015-16 in comparison with 2014-15 Industry ................... 91
II.18 Insurers who have registered NIL pending in no. of complaints ................... 91
as on 31-03-2016
II.19 Receipt and Disposal of grievances registered in DARPG Portal and ................... 91
referred to IRDAI (during period from 1.4.2015 to 31.03.2016)
II.20 Grievances referred to IRDAI- Pending as at 31.03.2016 ................... 91
II.21 Disposal of Complaints by Ombudsmen during 2015-16 ................... 97
III.1 Insurance Repositories Approved by the Authority as at 31.03.2016 ................... 105

CHARTS
I.1 Share of Sectors in GVA 2015-16(PE) at 2011-12 prices ................... 2
I.2 Insurance Penetration in Select Countries 2015 ................... 5
I.3 Insurance Density in Select Countries 2015 ................... 5

x
 ANNUAL REPORT 2015-16

Page No.
I.4 Insurance Penetration in India ................... 7
I.5 Insurance Density in India ................... 7
I.6 First Year Premium of Life Insurers ................... 9
I.7 Total Premium of Life Insurers ................... 9
I.8 Total Premium of Life Insurers for 5 years ................... 9
I.9 Duration wise Break-up of Claims Pending Individual Policies ................... 14
I.10 Duration Wise Break-up of Claims Pending Group Policies ................... 14
I.11 Number of Life Insurance Offices ................... 16
I.12 Geographical Distribution of Life Insurance Offices - Private Sector ................... 17
I.13 Geographical Distribution of Offices - LICI ................... 17
I.14 Geographical Distribution of Life Insurance Offices - Industry ................... 17
I.15 Gross Direct Premium income in India -- Non-Life Insurers ................... 18
I.16 Gross Direct Premium of Non-life Insurers 5 years ................... 19
I.17 Premium(within India) underwritten by Non-life Insurers segment-wise ................... 20
I.18 Number of Non-Life Insurance Offices Tier-wise for 2015-16 ................... 27
I.19 Trend in Health Insurance Premium ................... 45
I.20 Classification of Health Insurance Business (in terms of Gross Premium) ................... 46
I.21 Number of Persons Covered Share of different class of business ................... 47
I.22 Net incurred claims ratio of Health Insurance Business ................... 48
I.23 Share of States in Total Health Insurance Premium FY 2015-16 ................... 51
I.24 Contribution of various channels in HI premium ................... 55
II.1 Individual New Business Premium of Life Insurers Channel-wise. ................... 75
II.2 Group New Business Premium of Life Insures Channel-wise. ................... 76
II.3 New Business Premium(Individual & Group) of Life Insurers ................... 76
II.4 Classification of Life Complaints received during the last two years ................... 88
II.5 Complaint type- wise classification of Non-Life ................... 89
Complaints registered during the last two years
II.6 Policy type- wise non-life complaints during the last 3 years ................... 89
II.7 Movement of complaints Industry Last two years ................... 90

STATEMENTS
1. International Comparison of Insurance Penetration ................... 127
2. International Comparison of Insurance Density ................... 128
3. First Year Life Insurance Premium (including single premium) ................... 129
4. Total Life Insurance Premium ................... 130
5. Linked and Non-Linked Premium of Life Insurers for 2015-16 ................... 131

xi
 ANNUAL REPORT 2015-16

Page No.

6. Individual Death Claims for the year 2015-16 ................... 133

7. Group Death Claims for the year 2015-16 ................... 135
8. Assets under Management of Life Insurers ................... 137
9. Equity Share Capital of Life Insurers ................... 140
10. Quarterly Solvency Ratio of Life Insurers in India during the FY 2015-16 ................... 141
11. Gross Direct Premium of Non-Life Insurers (Within & Outside India) ................... 142
12. Segment-wise Gross Direct Premium Income of ................... 143
Non-Life Insurers (Within India)
13. Health Insurance (Excluding Travel-Domestic/Overseas & Personal
Accident) Gross Premium and Number of Persons Covered (2015-16) ................... 144
14. Incurred Claims Ratio Public Sector Non-life Insurers ................... 145
15. Incurred Claims Ratio Private Sector Non-life Insurers ................... 146
16. Assets under Management of Non-life Insurers ................... 148
17. Equity Share Capital of Non-life Insurers ................... 149
18. Solvency Ratio of Non-life Insurers ................... 150
19. Status of Grievances Life Insurers for 2015-16 ................... 151
20. Status of Grievances Non-life Insurers for 2015-16 ................... 152

ANNEXURES
1. Insurance Companies Operating in India ................... 155
2. Fee Structure for Insurers and Various Intermediaries ................... 157
3. (i) Indian Assured Lives Mortality (2006-08) Ultimate ................... 158
(ii) published Mortality Table for Annuitants: LIC (A) (1996-98) Ultimate Rates ................... 160
4. List of Life Insurance Products and Riders ................... 162
approved by IRDAI in the year 2015-16
5. List of Micro Insurance Products of life insurers as at 31.03.2016 ................... 169
6. Non-Life Insurance Products cleared during the Financial year 2015-16 ................... 170
7. List of Health Insurance Products cleared during the year 2015-16 ................... 174
8. Circulars / Orders / Notifications issued by the Authority from ................... 177
APRIL 2015 to MARCH 2016
9. Regulations framed under the IRDA Act, 1999 upto 31/03/2016 ................... 186
10 (i) Penalties Levied by the Authority during FY 2015-16 ................... 189
(ii) Penalties Levied by the Authority during FY 2015-16(Brokers) ................... 191

xii
 ANNUAL REPORT 2015-16

MISSION STATEMENT

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

To 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 growth of the economy;

To set, promote, monitor and enforce high standards of integrity, financial

soundness, fair dealing and competence of those it regulates;

To ensure speedy settlement of genuine claims, to prevent insurance frauds

and other malpractices and put in place effective grievance redressal
machinery;

To promote fairness, transparency and orderly conduct in financial markets

dealing with insurance and build a reliable management information system
to enforce high standards of financial soundness amongst market players;

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

To bring about optimum amount of self-regulation in day-to-day working of

the industry consistent with the requirements of prudential regulation.

xiii
 ANNUAL REPORT 2015-16

INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA

Members of the Authority as on 31st March, 2016

T S VIJAYAN
CHAIRMAN

WHOLE-TIME MEMBERS

M Ramaprasad D D Singh Pournima Gupte

st
(upto 1 May,2015)

V R Iyer Nilesh Sathe Joseph Plappallil J

(from 15th June,2015) (from 1st July,2015) (from 29th March,2016)

xv
 ANNUAL REPORT 2015-16

PART-TIME MEMBERS

Anup Wadhwan Alok Tondon

(upto 13th September,2015) (from 14th September,2015)

CA. Manoj Fadnis CA. M Devaraja Reddy

(upto 11th February,2016) (from 12th February,2016)

Prof. V K Gupta S B Mathur

(upto 21st February, 2016)

xvi
 ANNUAL REPORT 2015-16

SENIOR OFFICIALS OF IRDAI

EXECUTIVE DIRECTOR SRIRAM TARANIKANTI, IAS

FINANCIAL ADVISER LALIT KUMAR CHANDEL

SENIOR JOINT DIRECTORS M PULLA RAO

SURESH MATHUR
RANDIP SINGH JAGPAL
A R NITHIANANTHAM
MAMTA SURI
J MEENA KUMARI

JOINT DIRECTORS MUKESH SHARMA

S N JAYASIMHAN
YEGNA PRIYA BHARATH
H ANANTHAKRISHNAN
V JAYANTH KUMAR
RAMANA RAO ADDANKI
RAKESH BAJAJ
SANJEEV KUMAR JAIN
T S NAIK
S P CHAKRABORTY
P K MAITI
RAJ KUMAR SHARMA

CHIEF VIGILANCE OFFICER A V RAO

& JOINT DIRECTOR

xvii
 ANNUAL REPORT 2015-16

PART I
POLICIES AND PROGRAMMES

I.1 GENERAL ECONOMIC ENVIRONEMNT
I.1.1 As per the provisional estimates of Annual
National Income, 2015-16 released by CSO,
MOSPI, GOI, Real GDP or GDP at constant (2011-
12) prices for the year 2015-16 is showing a growth
rate of 7.6 percent against a growth rate of 7.2 for
the previous year 2014-15. The real GVA i.e. GVA
at basic constant (2011-12) prices for the year 2015-
16 is showing a growth rate of 7.2 percent against
7.1 percent for the previous year 2014-15.
I.1.2 The sectors which registered an estimated
growth rate of over 7.0 percent are financial, real
estate and professional services (10.3 percent),
manufacturing (9.3 percent), trade, hotels,
transport, communication and services related to
broadcasting (9.0 percent), and mining and
quarrying (7.4 percent). The estimated growth rate
is 1.2 percent in agriculture, forestry and fishing,
3.9 percent in construction, 6.6 percent in electricity,
gas, water supply & other utility services, 6.6 percent
in public administration, defence and other services.
I.1.3 The Gross National Income (GNI) at 2011-12
prices is estimated to have risen by 7.5 percent
during 2015-16 in comparison to the growth rate of
7.3 percent in 2014-15.The growth rate in per capita
income is estimated at 6.2 percent during 2015-16,
against 5.8 percent in the previous year.
I.1.4 The wholesale price index (WPI) in respect of
the groups food articles, manufactured products,
electricity and all commodities, has risen by 3.3
percent, (-)1.1 percent, 4.0 percent and (-)2.5
percent, respectively during April-March, 2015-16.
The consumer price index (CPI) has shown a rise
of 4.9 percent during April-March, 2016.
(Source: CSO press note dated 31.05.2016)

TABLE I.1
PROVISIONAL ESTIMATES OF NATIONAL INCOME 2015-16
(At 2011-12 prices)
Item 2013-14 2014-15 2015-16
(2nd RE (NS)) (1st RE) (PE)
Domestic Product (` crore)
1. Gross Value Added(GVA) at basic prices 9084369 9727490 (7.1) 10427191(7.2)
2. Gross Domestic Product(GDP) 9839434 10552151(7.2) 11350249(7.6)
3. Net Domestic Product(NDP) 8737681 9359476(7.1) 10071784(7.6)
4. Gross National Income(GNI) (` crore) 9717062 10427701(7.3) 11213328(7.5)
5. Net National Income(NNI) ( ` crore) 8615309 9235026(7.2) 9934863(7.6)
Per capita Income, Product
6. Population (in million) 1251 1267 (1.3) 1283(1.3)
7. Per Capita Net National Income(NNI) (`) 68867 72889(5.8) 77435(6.2)
8. Per Capita Gross Domestic Product(GDP)(`) 78653 83285(5.9) 88466(6.2)
NS: New Series Estimates; RE: Revised Estimates; PE: Provisional Estimates.
Note: Figures in brackets are percentage changes over the previous year.
Source: Central Statistical Organisation (CSO), Press Note dated 31st May 2016.

1
 ANNUAL REPORT 2015-16

TABLE I.2
PROVISIONAL ESTIMATES OF GVA AT BASIC PRICE BY ECONOMIC ACTIVITY
(` crore)
Industry 2013-14 2014-15 2015-16 Percentage change
(2nd RE (1st RE) (PE) over previous year
(NS)) 2014-15 2015-16
1. Agriculture, forestry & fishing 15,88,237 15,84,293 16,04,044 -0.2 1.2
2. Mining & quarrying 2,67,378 2,96,328 3,18,377 10.8 7.4
3. Manufacturing 15,79,721 16,67,069 18,21,926 5.5 9.3
4. Electricity, gas, water supply and
other utility services 2,00,861 2,16,970 2,31,228 8.0 6.6
5. Construction 8,18,494 8,54,636 8,87,957 4.4 3.9
6. Trade, hotels, transport, communication
and services related to broadcasting 16,69,844 18,33,997 19,98,292 9.8 9.0
7. Financial, real estate & professional services 18,44,070 20,39,460 22,48,845 10.6 10.3
8. Public Administration, defence and other services 11,15,765 12,34,737 13,16,522 10.7 6.6
GVA at Basic Price 90,84,369 97,27,490 104,27,191 7.1 7.2
NS: New Series Estimates; PE: Provisional Estimates; RE: Revised Estimates; GVA: Gross Value Added; # at 2011-12 prices.
Source: Central Statistical Organisation (CSO), Press Note dated 31st May 2016.

CHART I.1 SHARE OF SECTORS IN GVA 2015-16 (PE) AT 2011-12 PRICES

Financial Saving of the Household Sector
I.1.5 Preliminary estimates showed that the
household net financial saving rate increased to 7.7
per cent of Gross National Disposable income
(GNDI) in 2015-16 from 7.5 per cent in 2014-15 and
7.4 per cent in 2013-14. The improvement reflected
a higher rate of increase in gross financial assets in
relation to that in financial liabilities. The increase in
gross financial assets was driven primarily by a
turnaround in small savings and increases in
investment in equities and mutual funds, tax-free
bonds by public sector units and currency holdings
even as the growth in bank deposits held by the
households moderated (Table I.3). Financial liabilities
also surged reflecting higher borrowings from banks
and housing finance companies by the households
during the year.
(Source: RBI Annual Report 2015-16)

2
 ANNUAL REPORT 2015-16

TABLE I.3
FINANCIAL SAVINGS OF THE HOUSEHOLD SECTOR
(In per cent of GNDI)
Item 2011-12 2012-13 2013-14* 2014-15* 2015-16*
A. Gross financial savings 10.4 10.4 10.4 10.0 10.8
of which
1. Currency 1.2 1.1 0.9 1.1 1.4
2. Deposits 6.0 6.0 5.8 4.9 4.7
3. Shares and debentures 0.2 0.2 0.4 0.4 0.7
4. Claims on government -0.2 -0.1 0.1 0.0 0.4
5. Insurance funds 2.2 1.8 1.6 1.9 2.0
6. Provident and pension funds 1.1 1.5 1.6 1.6 1.5
B. Financial liabilities 3.2 3.2 3.0 2.5 3.0
C. Net financial saving ( A-B ) 7.2 7.2 7.4 7.5 7.7
Note: Figures may not add up to total due to rounding off.
Source: CSO as published in RBI Annual Report 2015-16 Table II.1
* : As per the latest estimates of the reserve bank; GNDI : Gross National Disposable Income

TABLE I.4
GROSS SAVINGS
(In per cent of GNDI)
Item 2011-12 2012-13 2013-14 2014-15
Gross Savings 33.8 33.0 32.3 32.3
1.1 Non-financial corporations 9.5 9.7 10.6 12.0
1.1.1 Public non-financial corporations 1.4 1.2 1.1 0.9
1.1.2 Private non-financial corporations 8.1 8.5 9.4 11.1

1.2 Financial corporations 3.0 3.0 2.6 2.6

1.2.1 Public financial corporations 1.9 1.7 1.4 1.3
1.2.2 Private financial corporations 1.2 1.2 1.1 1.3

1.3 General Government -1.8 -1.6 -1.3 -1.0

1.4 Household sector 23.0 21.9 20.5 18.7

1.4.1 Net financial saving 7.2 7.2 7.5 * 7.5 *
Memo: Gross financial saving 10.4 10.4 10.1 * 9.8 *
1.4.2 Saving in physical assets 15.5 14.4 12.7 10.8
1.4.3 Saving in the form of valuables 0.4 0.4 0.3 0.3
*: As per the latest estimates of the Reserve Bank, household financial saving for 2013-14 and 2014-15 are 7.4 per cent and 7.5
per cent of gross national disposable income (GNDI) and gross financial saving for the same period are 10.4 per cent and 10.0 per
cent, respectively.
Note: Net financial saving of the household sector is obtained as the difference between gross financial savings and financial
liabilities during the year.
Source: CSO as published in RBI Annual Report 2015-16 Appendix Table 3

3
 ANNUAL REPORT 2015-16

I.2 WORLD INSURANCE SCENARIO I.2.3 In life moderate premium growth in many
markets and the prolonged low interest rates
I.2.1 According to the World Insurance in 2015
dragged on profits. In non-life both the underwriting
report published by reinsurance major, Swiss Re,
and investment results were weaker than those of
the re/insurance industry faced another year of 2014. The underwriting results were impacted by
moderate global economic growth in 2015. The lower reserve releases and investment results were
global real gross domestic product (GDP) grew by hit by low interest rates. However, the insurance
2.5%, industry overall remains well capitalized.
I.2.2 As per the report, the real global direct life and I.2.4 As per the report, the life premium growth is
non-life insurance premiums written grew by 3.8% expected to accelerate slightly in the advanced
in 2015, up from 3.5% in previous year. However in economics in 2016. In the emerging markets the life
nominal US dollar terms, premiums were down by sector is forecast to decelerate. The out-look for the
4.2% due to wide-spread currency depreciation non-life industry in advanced markets is more muted
against USD. than for life, given expectations of moderate
economic recovery and pricing weakness. The
In real terms, the global life premium growth slowed
outlook for non-life in emerging markets is mixed.
to 4% from a 4.3% gain in 2014. In advanced
(Source: Swiss Re, Sigma No. 3/2016)
markets life premiums grew 2.5%, down from 3.8%
growth the previous year. In the emerging markets, TABLE I.5
overall life premium growth doubled to near 12%. TOTAL REAL PREMIUM
GROWTH RATE IN 2015
Global non-life premium growth improved to 3.6% (In per cent)
in 2015 from 2.4% the previous year. The advanced Regions/Countries Life Non-Life Total
markets non-life premiums grew 2.6% up from 1.1% Advanced countries 2.5 2.6 2.5
Emerging markets 12 7.8 9.8
growth the previous year. The Emerging markets
Asia 7.8 9.2 8.2
continued their robust premium growth trend (+7.8%) India 7.8 8.1 7.9
in 2015 though showed lower growth (+ 8.6%) than World 4 3.6 3.8
2014. Source: Swiss Re, Sigma No. 3/2016.

TABLE I.6
REGION WISE LIFE AND NON-LIFE INSURANCE PREMIUM
(Premium in USD Billions)
Region/Country Life Non-Life Total
Advanced economies 2089.77 1614.30 3704.07
(56.41) (43.59) (100.00)
Emerging markets 444.05 405.67 849.72
(52.26) (47.74) (100.00)
Asia 904.57 446.41 1350.97
(66.96) (33.04) (100.00)
India 56.68 15.10 71.78
(78.96) (21.04) (100.00)
World 2533.82 2019.97 4553.79
(55.64) (44.36) (100.00)
Source: Swiss Re, Sigma 3/2016. Figures in brackets indicate share of the segment in per cent.

4
 ANNUAL REPORT 2015-16

CHART I. 2: INSURANCE PENETRATION IN SELECT COUNTRIES - 2015

CHART I.3: INSURANCE DENSITY IN SELECT COUNTRIES - 2015

5
 ANNUAL REPORT 2015-16

Indian Insurance in the global scenario Indian non-life insurance premium in global non-life
insurance premium was at 0.75% and India ranks
I.2.5 Globally, the share of life insurance business
18th among the 88 countries.
in total premium was 55.6%. The share of life
insurance business in India was at 79% while that Insurance penetration and density in India
of non-life insurance business was at 21 %.
I.2.8 The measure of insurance penetration and
I.2.6 In life insurance business, India is ranked 10th density reflects the level of development of insurance
among the 88 countries, for which the data was sector in a country. While insurance penetration is
published by Swiss Re. Indias share in global life measured as the percentage of insurance premium
insurance market was 2.24% during 2015 where as to GDP, insurance density is calculated as the ratio
it was 2.08% in 2014. However, during 2015, the of premium to population (per capita premium).
life insurance premium in India (inflation adjusted)
I.2.9 During the first decade of insurance sector
increased by 7.8% when global life insurance
liberalization, the sector has reported consistent
premium increased by 4%.
increase in insurance penetration from 2.71 per cent
I.2.7 The Indian non-life insurance sector witnessed in 2001 to 5.20 per cent in 2009. Since then, the
a growth of 8.1 percent (inflation adjusted) during level of penetration was declining. However, there
2015 where as the growth in global non-life insurance was slight increase in 2015 reaching 3.44 percent
premium was 3.6% only. However, the share of compared to 3.3 percent in 2014. A similar trend in
TABLE I.7
INSURANCE PENETRATION AND DENSITY IN INDIA
Year Life Non-Life Industry
Density Penetration Density Penetration Density Penetration
(USD) (percentage (USD) (percentage) (USD) (percentage)
2001 9.1 2.15 2.4 0.56 11.5 2.71
2002 11.7 2.59 3 0.67 14.7 3.26
2003 12.9 2.26 3.5 0.62 16.4 2.88
2004 15.7 2.53 4 0.64 19.7 3.17
2005 18.3 2.53 4.4 0.61 22.7 3.14
2006 33.2 4.1 5.2 0.6 38.4 4.8
2007 40.4 4 6.2 0.6 46.6 4.7
2008 41.2 4 6.2 0.6 47.4 4.6
2009 47.7 4.6 6.7 0.6 54.3 5.2
2010 55.7 4.4 8.7 0.71 64.4 5.1
2011 49 3.4 10 0.7 59 4.1
2012 42.7 3.17 10.5 0.78 53.2 3.96
2013 41 3.1 11 0.8 52 3.9
2014 44 2.6 11 0.7 55 3.3
2015 43.2 2.72 11.5 0.72 54.7 3.44
Note: 1. Insurance density is measured as ratio of premium (in USD) to total population.
2. Insurance penetration is measured as ratio of premium (in USD) to GDP (in USD).
Source: Swiss Re, Sigma, Various Issues

6
 ANNUAL REPORT 2015-16

CHART I.4: INSURANCE PENETRATION CHART I.5: INSURANCE DENSITY

IN INDIA IN INDIA

the level of insurance density which reached the I.3 APPRAISAL OF INDIAN INSURANCE
maximum of USD 64.4 in the year 2010 from the MARKET
level of USD 11.5 in 2001. During the year under
Registered insurers in India
review 2015, the insurance density was USD 54.7.
I.3.1 At the end of March 2016, there are 54 insurers
I.2.10 The insurance density of life insurance
operating in India of which 24 are life insurers, 24
business had gone up from USD 9.1 in 2001 to the
are general insurers and 5 are health insurers
peak at USD 55.7 in 2010. During 2015, the level of
exclusively doing health insurance business. In
life insurance density was USD 43.2. Similarly, the
addition, GIC is the sole national reinsurer.
life insurance penetration surged from 2.15 per cent
in 2001 to 4.60 percent in 2009. Since then, it has I.3.2 Of the 54 insurers presently in operation, eight
exhibited a declining trend. However, there was a are in the public sector and the remaining forty six
slight increase 2015 reaching 2.72 percent in 2015 are in the private sector. Two specialized insurers,
when compared to 2.6% in 2014. namely ECGC and AIC, one life insurer namely LIC
of India (LIC), four in general insurance and one in
I.2.11 Over the last 10 years, the penetration of non-
reinsurance namely GIC are in public sector. 23 life
life insurance sector in the country remained steady
insurers, 18 general insurers and 5 standalone
in the range of 0.5-0.8 per cent. However, its density
health insurers are in private sector.
has gone up from USD 2.4 in 2001 to USD 11.5 in
2015.
(Source: Swiss Re, Sigma No. 3/2016)

7
 ANNUAL REPORT 2015-16

TABLE I.8 TABLE I. 9

REGISTERED INSURERS IN INDIA PREMIUM UNDERWRITTEN : LIFE INSURERS
(As on 31th March, 2016)
(` crore)
Type of Insurer Public Private Total Insurer 2014-15 2015-16
Sector Sector
Regular premium (1)
Life 1 23 24
LIC 23112.20 23829.38
General 6 18 24
Health 0 5 5 (-27.56) (3.10)
Reinsurance 1 0 1 Private Sector 23901.76 27149.32
Total 8 46 54 (16.61) (13.59)
Note: List of insurers registered in India is given in Annexure I Total 47013.96 50978.70
LIFE INSURANCE (-10.28) (8.43)
Single premium (2)
Premium
LIC 55395.51 74062.13
I.3.3 Life insurance industry recorded a premium (-5.96) (33.70)
income of `366943.23 crore during 2015-16 as Private Sector 10920.05 13821.47
against `328102 crore in the previous financial year, (20.08) (26.57)
registering growth of 11.84 per cent (4.39 per cent Total 66315.56 87883.60
growth in previous year). While private sector (-2.37) (32.52)
insurers posted 13.64 per cent growth (14.32 per First Year Premium (3 =(1+2))
cent growth in previous year) in their premium LIC 78507.71 97891.51
income, LIC recorded 11.17 per cent growth (1.15per (-13.55) (24.69)
cent growth in previous year) Private Sector 34821.81 40970.79
(17.97) (17.66)
I.3.4 While renewal premium accounted for 62.16
per cent (65.46 per cent in 2014-15) of the total Total 113329.52 138862.30
premium received by the life insurers, first year (-5.81) (22.53)
premium contributed the remaining 37.84 per cent Renewal Premium (4)
(34.54 percent in 2014-15). During 2015-16, the LIC 161159.94 168552.70
growth in renewal premium was 6.20 per cent (10.72 (10.28) (4.59)
Private Sector 53612.54 59528.23
per cent in 2014-15). First year premium registered (12.06) (11.03)
a growth of 22.53 per cent in comparison to a decline Total 214772.48 228080.93
of 5.81 per cent during 2014-15. (10.72) (6.20)
Total Premium (5 =(3+4)=(1+2+4))
I.3.5 Further bifurcation of the first year premium
indicates that single premium income received by LIC 239667.65 266444.21
(1.15) (11.17)
the life insurers recorded a positive growth of 32.52 Private Sector 88434.35 100499.02
percent during 2015-16 (2.37per cent decline in (14.32) (13.64)
2014-15). Single premium products continue to play Total 328102.00 366943.23
a major role for LIC as they contributed 27.80 percent (4.39) (11.84)
of LICs total premium income (23.11 per cent in Note: Figures in brackets indicate the growth (in per
cent) over the previous year.
2014-15). In comparison, the contribution of single

8
 ANNUAL REPORT 2015-16
CHART I.6: FIRST YEAR PREMIUM OF
LIFE INSURERS
premium income in total premium income during
2015-16 was 13.75 percent for private insurance
companies (12.35 percent in 2014-15).
I.3.6 The regular premium registered 8.43 percent
growth in 2015-16, as against 10.28 per cent decline
in 2014-15. The private insurers registered a growth
CHART I.7 : TOTAL PREMIUM OF
LIFE INSURERS
9
of 13.59 per cent (16.61 per cent growth in 2014-
15); while LIC registered a growth of 3.10 per cent
in the regular premium (27.56 per cent decline in
2014-15).
I.3.7 Unit-linked products (ULIPs) registered a
growth of 12.62 percent premium from `41617.80
crore in 2014-15 to `46871.58 crore in 2015-16. On
the other hand, the growth in premium from
traditional products was at 11.72 per cent, with
premium `320071.65 crore as against `286484.20
crore in 2014-15. Accordingly, the share of unit-linked
products in total premium increased to 12.77 per
cent in 2015-16 as against 12.68 per cent in 2014-
15.
Market Share
I.3.8 On the basis of total premium income, the
market share of LIC decreased from 73.05 per cent
in 2014-15 to 72.61 per cent in 2015-16. The market
share of private insurers has increased from 26.95
per cent in 2014-15 to 27.39 per cent in 2015-16.
CHART I.8 : TOTAL PREMIUM OF LIFE
INSURERS FOR 5 YEARS
 ANNUAL REPORT 2015-16

1.3.9 The market share of private insurers in first of 7.92 per cent with a good improvement (against
year premium was 29.50 per cent in 2015-16 (30.73 a decline of 9.79 per cent in 2014-15) in the number
per cent in 2014-15). The same for LIC was 70.50 of new policies issued against the previous year,
per cent (69.27 per cent in 2014-15). Similarly, in LIC registered a slight growth of 1.86 per cent with
renewal premium, LIC continued to have a higher a significant improvement (against a decline of 41.55
share at 73.90 per cent (75.04 per cent in 2014-15) per cent in 2014-15) in the number of new policies
when compared to 26.10 per cent (24.96 per cent issued.
in 2014-15) share of private insurers.
I.3.11 Overall, the industry witnessed a 3.20 per cent
TABLE I.10 growth (against the decline of 36.61 per cent decline
MARKET SHARE : LIFE INSURERS in 2014-15) in the number of new policies issued.
Insurer 2014-15 2015-16
TABLE I.11
Regular Premium (1) NEW POLICIES ISSUED: LIFE INSURERS
LIC 49.16 46.74
(In lakh)
Private Sector 50.84 53.26
Total 100.00 100.00 Insurer 2014-15 2015-16
Single Premium (2) LIC 201.71 205.47
(-41.55) (1.86)
LIC 83.53 84.27
Private Sector 57.37 61.92
Private Sector 16.47 15.73
(-9.79) (7.92)
Total 100.00 100.00
Total 259.08 267.38
First Year Premium (3 =(1+2)) (-36.61) (3.20)
LIC 69.27 70.50 Note: Figures in brackets indicate growth (in percent) over
Private Sector 30.73 29.50 previous year

Total 100.00 100.00

Paid-up capital
Renewal Premium (4)
LIC 75.04 73.90 I.3.12 The total capital of the life insurance
Private Sector 24.96 26.10 companies as on 31st March, 2016 was
Total 100.00 100.00 `26691.47crore. During 2015-16, an additional
Total Premium (5 =(3+4)=(1+2+4)) capital of `451.91 crore was brought in the industry
LIC 73.05 72.61 by the private sector insurers.
Private Sector 26.95 27.39
TABLE I.12
Total 100.00 100.00
PAID UP CAPITAL* : LIFE INSURERS
(` crore)
New Policies:
Insurer As at Additions As at
I.3.10 During 2015-16, life insurers issued 267.38 31st March, during 31st March,
lakh new policies, out of which LIC issued 205.47 2015 2015-16 2016
lakh policies (76.84 per cent of total new policies LIC 100.00 0.00 100.00
Private Sector 26139.56 451.91 26591.47
issued) and the private life insurers issued 61.92
TOTAL 26239.56 451.91 26691.47
lakh policies (23.16 per cent of total new policies
* Excludes Share premium & Share application money
issued). While the private sector registered a growth

10
 ANNUAL REPORT 2015-16

Expenses of life insurers of expenses of management taking into account,

inter alia the type and nature of product, premium
I.3.13 Pursuant to Insurance Laws (Amendment)
paying term and duration of insurance business.
Act, 2015, section 40B of Insurance Act, 1938 was
Further, for the financial year 2015-16, Insurers have
amended and reads as under: No insurer shall, in
the option either to comply with these Regulations
respect of insurance business transacted by him in
or with the erstwhile provisions under Rule 17D of
India, spend as expenses of management in any
the Insurance Rules, 1939.
financial year any amount exceeding the amount as
may be specified by the regulations made under this I.3.14 The overall commission expenses ratio
Act. (commission expenses as a percentage of
premiums) decreased marginally to 5.52 per cent
Accordingly, IRDAI (Expenses of Management of
in 2015-16 from 5.93 per cent in 2014-15. However,
Insurers transacting life insurance business)
total commission increased by 4.14 percent (total
Regulations, 2016 were notified vide F.No. IRDAI/
premium growth 11.84 percent), regular commission
Reg/14/126/2016 on 9th May 2016
TABLE I.14
These Regulations prescribes the allowable limits COMMISSION EXPENSE RATIO
LIFE INSURERS
TABLE I.13 (In per cent)
COMMISSION EXPENSES : LIFE INSURERS
Insurer 2014-15 2015-16
(`crore)
Regular (1)
Insurer 2014-15 2015-16 LIC 27.23 27.16
Regular (1) Private Sector 12.56 12.20
LIC 6293.44 6473.19 Total 19.77 19.19
Private Sector 3003.16 3311.17 Single Premium (2)
Total 9296.60 9784.36 LIC 0.48 0.35
Single Premium (2) Private Sector 0.37 0.29
LIC 264.37 255.94 Total 0.46 0.34
Private Sector 40.22 40.58 First Year (3 =(1+2))
Total 304.59 296.52 LIC 8.35 6.87
First Year (3 =(1+2)) Private Sector 8.74 8.18
LIC 6557.81 6729.13 Total 8.47 7.26
Private Sector 3043.38 3351.75 Renewal (4)
Total 9601.19 10080.88 LIC 5.31 5.20
Renewal (4) Private Sector 2.42 2.38
LIC 8560.33 8771.20 Total 4.59 4.47
Private Sector 1299.16 1414.61 Total (5 =(3+4)=(1+2+4))
Total 9859.49 10185.81 LIC 6.31 5.82
Total (5 =(3+4)=(1+2+4)) Private Sector 4.91 4.74
LIC 15118.14 15500.33 Total 5.93 5.52
Private Sector 4342.54 4766.36
Note : Commission expense ratio is the ratio between
Total 19460.68 20266.69 commission and the premium underwritten by life insurers

11
 ANNUAL REPORT 2015-16

increased by 5.25 percent (regular premium growth TABLE I.16

8.43 percent), first year commission increased by OPERATING EXPENSES RATIO : LIFE INSURERS
5.00 percent (first year premium growth 22.53 Insurer 2014-15 2015-16
percent) and renewal commission increased by LIC 9.34 8.52
3.31percent (renewal premium growth 6.20 percent).
Private Sector 16.36 16.01
The single premium has increased by 32.52 percent
TOTAL 11.23 10.57
but there has been a fall in single premium
Note : Operating expense ratio is the ratio of operating
commission by 2.65 percent. However, there is some expenses to the premium underwritten by the life insurers
variation in the position when compared between
Benefits Paid
the private insurers and LIC, as reflected in Table
I.13, providing bifurcation of the commission I.3.16 The life industry paid benefits of `201766.10
expenses for both private and public sector life crore in 2015-16 (`210915.03 crore in 2014-15)
insurers. constitutes 54.99 per cent of the gross premium
underwritten (64.28 per cent in 2014-15). The
I.3.15 The operating expenses of the life insurers
benefits paid by the private insurers was `60565.05
decreased by 1.61 per cent in 2014-15 but increased
crore (`66789.28 crore in 2014-15) constituting
by 5.22 per cent in 2015-16. The operating expenses
60.26 per cent of the premium underwritten (75.52
towards life insurance business stood at `36859.16
per cent in 2014-15). LIC paid benefits of `141201.05
crore in 2014-15 and increased to `38783.09 crore
crore in 2015-16, constituting 52.99 per cent of the
in 2015-16. The operating expenses of LIC increased
premium underwritten (`144125.75 crore in 2014-
by 1.32 percent and that of private insurers by 11.25
15, 60.14 percent of the premium underwritten). The
percent. For the life insurance industry, the operating
benefits paid on account of surrenders / withdrawals
expenses ratio (the ratio of operating expenses to
decreased at `80356.75 crore, of which LIC
the premium underwritten) decreased from 11.23
accounted for `37292.24 crore and private sector
per cent in 2014-15 to 10.57 percent in 2015-16.
`43064.51crore. The comparative previous year
Operating expenses, as a per cent of gross premium
statistics were `100389.57crore, of which LIC
underwritten decreased for LIC from 9.34 per cent
accounted for `46537.61crore and private sector
in 2014-15 to 8.52 per cent in 2015-16. The same
paid `53851.96crore. In the current year, in case of
for private insurers decreased from 16.36 percent
LIC, out of the `37292.24 crore surrenders, ULIP
in 2014-15 to 16.01 percent in 2015-16.
policies accounted for `8960.57crore (24.03 percent)
TABLE I.15 as against `23224.49 crore, (49.90 percent) in 2014-
OPERATING EXPENSES : LIFE INSURERS 15. In case of the private insurance industry, the
(` crore)
ULIP surrenders accounted for `37489.04crore
Insurer 2014-15 2015-16 Increase (87.05 percent) in 2015-16 as against `48724.32
over previous
year (%) crore (90.48 per cent) in 2014-15.
LIC 22395.45 22691.83 1.32
Private Sector 14463.72 16091.26 11.25
TOTAL 36859.16 38783.09 5.22

12
 ANNUAL REPORT 2015-16

TABLE I.17
INDIVIDUAL DEATH CLAIMS OF LIFE INSURERS DURING 2015-16
(Figures in percent of policies)
Life Insurer Total Claims Claims Claims Claims Break up of claims pending
Claims paid repudiated/ written pending at duration wise (Policies)
rejected back end of year <3 3-<6 6-<1 >1
mths mths yr yr
Private Total 100.00 91.48 6.67 0.00 1.85 76.24 10.20 3.87 9.68
LIC 100.00 98.33 0.98 0.17 0.51 17.71 20.34 36.82 25.14
Industry Total 100.00 97.43 1.73 0.15 0.69 38.25 16.78 25.25 19.71

Death Claims for the year 2015-16
Individual Life Insurance Business:
I.3.17 In the year 2015-16, the life insurance
companies had settled 8.54 lakh claims on individual
policies, with a total payout of ` 12,636.66 crore.
The number of claims repudiated/rejected was
15,157 for an amount of ` 736.51 crore. The number
of claims pending at the year-end was 6,031 and
the amount involved was ` 444.23 crore. Of these,
1189 claims were pending for more than one year
and 4,842 claims were pending for less than and up
to one year.
I.3.19 For private insurers, settlement ratio had gone
up by 2.08% at 91.48 percent during the financial
year 2015-16 when compared to 89.40 percent
during the previous year. The percentage of
repudiations has come down to 6.67% in the year
2015-16 compared to the 7.78% percent in previous
year.
I.3.20 The industrys settlement ratio had slightly
increased to 97.43 percent in 2015-16 from 96.97
percent in 2014-15 and the repudiation ratio had
decreased to 1.73% compared to the 2.08 percent
in 2014-15.

I.3.18 The claim settlement ratio of LIC was better Group Life Insurance:
than that of the private life insurers. Settlement ratio I.3.21 During 2015-16, the total intimated claims
of LIC had increased to 98.33 percent during the were 5,45,337 while 14,388 claims were pending at
year 2015-16 when compared to 98.19 percent the beginning of the year. Out of these, life insurance
during the previous year. The percentage of industry had settled a total of 5,28,638 (96.94% of
repudiations has come down to 0.98 percent in 2015- the total claims) claims. 96.28% of the settled claims
16 compared to the 1.15 percent in previous year.
TABLE I.18
GROUP DEATH CLAIMS OF LIFE INSURERS DURING 2015-16
(Figures in percent of lives covered)
Life Insurer Total Claims Claims Claims Claims Break up of claims pending
Claims paid repudiated/ written pending at duration wise (Lives)
rejected back end of year <3 3-<6 6-<1 >1
mths mths yr yr
Private Total 100.00 94.65 0.93 0.00 4.42 4.10 0.69 0.36 94.85
LIC 100.00 99.69 0.04 0.00 0.27 18.24 7.14 10.64 63.98
Industry Total 100.00 96.94 0.53 0.00 2.53 4.77 1.00 0.85 93.38

13
 ANNUAL REPORT 2015-16
CHART I.9: DURATION WISE BREAKUP OF
CLAIMS PENDING-INDIVIDUAL POLICIES
were settled within 30 days of intimation. 0.01% of
the claims took more than a year to get settled.
Group Death claims pending for more than one year
with respect to the Future Generali Life Insurance
Company (12414) as at 31.03.2016 accounts for
96.23 per cent of total Life Industrys Group Claims
pending for more than one year (12900) as at
31.03.2016. Barring Future Generalis pending
claims, pending claims of all other insurers put
together comes at 486. Out of the 12414 pending
group death claims of Future Generali Life Insurance
Company, 12371 are under litigation and are sub-
judice.
I.3.22 While LIC settled 99.69 percent of the claims,
the private life insurers paid 94.65 percent of all
claims. The industry repudiated 0.53 percent of the
claims, written back zero percent of the claims and
the remaining 2.53 percent of the claims were
pending as at 31.3.2016.
14
CHART I.10: DURATION WISE BREAKUP OF
CLAIMS PENDING-GROUP POLICIES
Investment income
I.3.23 In the case of LIC, the investment income
including capital gains was `157961.30crore
(`168063.58 crore in 2014-15). In the case of private
insurance industry, the investment income including
capital gains was at `13078.73 crore in 2015-16
(`78650.52 crore in 2014-15).
Retention Ratio
I.3.24 During 2015-16, ` 218.82 crore was ceded
as reinsurance premium by LIC (`184.88 crore in
2014-15). The private insurers together ceded `
1284.32 crore (`991.92 crore in 2014-15) as
premium towards reinsurance.
Profits of Life Insurers
I.3.25 During the financial year 2015-16, the life
insurance industry reported a profit after tax of
`7414.97 crore as against `7611.31 crore in 2014-
15. Out of twenty-four life insurers in operations
during 2015-16, nineteen companies reported
profits. They are AvivaLife, Bajaj Allianz, Birla
 ANNUAL REPORT 2015-16

SunLife, Canara HSBC, DHFL Pramerica, EXIDE Expansion of Offices

Life, HDFC Standard, ICICI Prudential, IDBI Federal,
India First, Kotak Mahindra, Max Life, PNB MetLife,
Sahara India, SBI Life, Shriram Life, Star Union, Tata
AIA and LIC of India. LIC of India reported a profit
after tax of `2517.85 crore i.e. an increase of 38.06
percent over `1823.78 crore in 2014-15.
Returns to Shareholders
I.3.26 For the year 2015-16, LIC paid `2497.03 crore
(`1803.05 crore in 2014-15) as dividends to
Government of India. Four private life insurers paid
dividends during the financial year 2015-16. HDFC
Standard Life paid `179.54crore (`139.64 crore in
2014-15), ICICI Prudential paid `1202.99crore
(`836.83 crore in 2014-15), Max Life paid
`364.57crore (`199.63crore in 2014-15)and SBI Life
paid `120 crore (`120 crore in 2014-15)
TABLE I.19
DIVIDENDS PAID BY LIFE INSURERS
(`crore)
Insurer 2014-15 2015-16
LIC 1803 2497
Private Sector* 1431 1867
Total 3234 4364
* 7 Life Insurers in 2014-15 and 5 Life insurers in 2015-16.
I.3.27 The decreasing trend of number of life
insurance offices (which had continued until 2012-
13) had reverted from 2013-14 and there is an
increase in 2015-16 at 11071 from 11033 of the
previous year.
I.3.28 It is observed that majority of offices of life
insurers are located in Semi-Urban towns which are
with a population between 10,000 to 99,000. Around
49% of life insurance offices are located in these
small towns. This fact remains similar for both private
sector (38.4% of the offices in semi-urban towns)
and public sector life insurer (61.5% of the offices in
semi-urban towns). After the Semi-Urban towns,
majority of the life insurance offices i.e. 31.8% are
located in Urban towns with a population between
1,00,000 to 9,99,999. This applies to both private
sector (35.2% of offices in Urban towns) and public
sector life insurer (27.6% of offices in Urban towns).
District Level Presence of Life Offices:
I.3.29 As at 31st March, 2016, the sole public sector
life insurer, LIC of India had its offices in 606 districts
out of 640 districts (As per the Decennial Census -
2011) in the country. As such, it covered 94.69
percent of all districts in the country, whereas the
private sector insurers had offices in 554 districts
covering 86.56 percent of all districts in the country.

TABLE I.20
NUMBER OF LIFE OFFICES
(As on 31st March)
Insurer 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016
Private 3072 6391 8785 8768 8175 7712 6759 6193 6156 6179
LIC 2301 2522 3030 3250 3371 3455 3526 4839 4877 4892
Industry 5373 8913 11815 12018 11546 11167 10285 11032 11033 11071
Note: 1) Data collected from life insurers through a special return.
2) Office as defined under Section 64VC of the Insurance Act, 1938.
3) For similar data for 2001-2007, refer IRDA Annual report for 2007-08.

15
 ANNUAL REPORT 2015-16

TABLE I.21A
DISTRIBUTION OF OFFICES OF LIFE INSURERS - NUMBER OF LIFE OFFICES
(As on 31st March 2016)
Insurer Metropolis Urban Semi-Urban Rural Total
Private Sector 1287 2176 2372 344 6179
LIC 380 1349 3009 154 4892
Industry 1667 3525 5381 498 11071
Note:- Metro: 10,00,000 and above Semi-Urban: From 10,000 to 99,999
Urban: From 1,00,000 to 9,99,999 Rural: Population upto 9999

TABLE I.21B
NUMBER OF LIFE OFFICES - TIER WISE
Insurer Year Tier I Tier II Tier III Tier IV Tier V Tier VI Total
LIC 2015 1704 569 1186 1265 75 78 4877
2016 1729 569 1219 1221 81 73 4892
Private Sector 2015 4636 798 507 137 53 25 6156
2016 4746 836 426 112 29 30 6179
Total 2015 6340 1367 1693 1402 128 103 11033
2016 6475 1405 1645 1333 110 103 11071
Note:-
Tier I - Population 1,00,000 & Above. Tier IV - Population of 10,000 to 19,999.
Tier II - Population of 50,000 to 99,999. Tier V - Population of 5,000 to 9,999.
Tier III - Population of 20,000 to 49,999 Tier VI - Population less than 5,000.

In total, both LIC and private insurers together

CHART I.11
covered 95.31 percent of all districts in the country. NUMBER OF LIFE INSURANCE OFFICES
The number of districts with no presence of life
insurance offices stood at 30 in the country. Out of
these, 23 districts belong to the six of the north
eastern states namely Arunachal Pradesh, Manipur,
Meghalaya, Mizoram, Nagaland and Sikkim. In 23
states/union territories (out of a total of 36 states/
union territories in the country), all their districts were
covered through life insurance offices.

16
 ANNUAL REPORT 2015-16

CHART I.12: GEOGRAPHICAL DISTRIBUTION CHART I.14: GEOGRAPHICAL DISTRIBUTION

OF OFFICES-PRIVATE SECTOR OF OFFICES-INDUSTRY

NON-LIFE INSURANCE

CHART I.13: GEOGRAPHICAL Premium

DISTRIBUTION OF OFFICES-LIC
I.3.30 The non-life insurance industry underwrote
total direct premium of ` 96379 crore in India for the
year 2015-16 as against ` 84686 crore in 2014-15,
registering a growth rate of 13.81 percent as against
9.20 percent growth rate recorded in the previous
year. The public sector insurers exhibited growth in
2015-16 at 12.08 percent; over the previous years
growth rate of 10.24 percent. The private general
insurers registered a growth rate of 13.12 percent,
against 9.62 percent growth rate during the previous
year.

1.3.31 The standalone health insurers registered a

growth rate of 41.12 percent against 31.07 percent
growth rate during the previous year and the
specialized insurers registered a growth rate of 18.04
percent as against the de-growth 12.7 percent during
the previous year.

17
 ANNUAL REPORT 2015-16

TABLE I.22
GROSS DIRECT PREMIUM INCOME IN INDIA
CHART I.15 GROSS DIRECT PREMIUM INCOME
NON-LIFE INSURERS IN INDIA: NON-LIFE INSURERS
( ` Crore)
Insurer 2014-15 2015-16
Public Sector Insurer 42551 47691
(10.24) (12.08)
Private Sector Insurer 35090 39694

(`Crore)
(9.62) (13.12)
Standalone Health Insurer 2943 4153
(31.07) (41.12)
Specialised Insurer 4102 4842
(-12.7) (18.04)
Total 84686 96380
(9.20) (13.81)
Note: Figures in brackets indicate growth in percent over
previous year.

I.3.32 The premium underwritten by 23 private sector
insurers (including standalone health insurers) in
2015-16 was ` 43847crore as against ` 38,033 crore
in 2014-15. ICICI Lombard continued to be the
largest private sector non-life insurance company,
with market share of 8.39 percent in the current year
against a market share of 7.89 percent in the
previous year. Bajaj Allianz, the second largest
private sector non-life insurance company, which
underwrote a total premium of ` 5,832 crore,
reported decrease in market share from 6.18 percent
in 2014-15 to 6.05 percent during the year under
review. Out of 23 private insurers who were operating
in the year 2015-16, 21 insurers reported an increase
in premium underwritten for the year 2015-16
.BHARTI AXA General Insurance Company Limited,
MAGMA HDI General Insurance Company Limited
reported decrease in premium underwritten for the
year 2015-16.
I.3.33 In case of public sector non-life insurers, all
four companies expanded their business with an
increase in respective premium collections. However,
the market share of two public sector insurers
decreased from previous year. The market shares
of Oriental declined to 8.63 percent in 2015-16 from
8.75 percent in the previous year and National
Insurance declined to 12.43 percent in 2015-16 from
13.27 percent in the previous year. However the
market share of New India increased to 15.72
percent in 2015-16 from 15.60 percent in the
previous year and United India Insurance increased
to 12.71 percent in 2015-16 from 12.63 percent in
the previous year. New India which collected Direct
Premium of ` 15150 crore, once again remained
as the largest general insurance company in India.
Segment wise premium
I.3.34 The Motor business continued to be the largest
non-life insurance segment with a share of 43.89
percent (44.14 percent in 2014-15). It reported
growth rate of 13.17 percent (10.52 percent in 2014-
15). The premium collection in Health segment
continued to surge ahead at ` 27,457 crore in 2015-
16 from ` 22,636 crore of 2014-15, registering
growth of 21.30 percent. However, the market share
of health segment has increased to 28.49 percent

18
 ANNUAL REPORT 2015-16

TABLE I.23 CHART I.16 GROSS DIRECT PREMIUM

GROSS DIRECT PREMIUM INCOME IN INDIA: OF NON-LIFE INSURERS - 5 YEARS
NON-LIFE INSURERS - COMPANY - WISE
(` Lakh)
Insurer Total Premium Market Share(%)
2014-15 2015-16 2014-15 2015-16
Public Sector Insurers
National 1124189 1197607 13.27 12.43
New India 1320939 1514951 15.60 15.72
Oriental 740796 831474 8.75 8.63
United 1069173 1225036 12.63 12.71
Sub-total 4255097 4769068 50.25 49.49
Private Sector Insurers
Royal Sundaram 156920 169412 1.85 1.76
Reliance 271584 279156 3.21 2.90
Iffco Tokio 332997 369133 3.93 3.83
Tata Aig 271414 295856 3.20 3.07
Icici Lombard 667780 809071 7.89 8.39
Bajaj Allianz 522985 583215 6.18 6.05 from 26.73 percent of previous year. The premium
Cholamandalam 189043 245200 2.23 2.54 collection from fire increased by 8.35 percent and
Kotak Mahindra -- 371 -- 0.00 for Marine segments, it has decreased by 1.19
Hdfc Ergo 318221 337955 3.76 3.51
percent in 2015-16 whereas for the previous year
Future Generali 143825 155526 1.70 1.61
Universal Sompo 70111 90379 0.83 0.94 the growth rate in the Fire and Marine segments
Shriram 149652 171227 1.77 1.78 were 9.44 percent and -4.49 percent respectively.
Bharti Axa 145707 127441 1.72 1.32
TABLE I.24
Raheja Qbe 2163 2876 0.03 0.03
PREMIUM (WITHIN INDIA) UNDERWRITTEN BY
Sbi 157690 203985 1.86 2.12
NON-LIFE INSURERS - SEGMENT WISE
L&T 33171 47339 0.39 0.49
(` crore)
Magma Hdi 47360 40394 0.56 0.42
Liberty Videocon 28386 40872 0.34 0.42 Segment 2014-15 2015-16
Sub-total 3509009 3969407 41.44 41.18 Fire 8058 8731
Standalone Health Insurers (9.51) (9.06)
Apollo Munich 80313 102218 0.95 1.06 Marine 3020 2984
(3.57) (3.10)
Cigna Ttk 2183 14382 0.03 0.15
Motor 37379 42301
Max Bupa 37266 47601 0.44 0.49
(44.14) (43.89)
Religare 27580 50332 0.33 0.52
Health 22636 27457
Star Health 146919 200734 1.73 2.08
(26.73) (28.49)
Sub-total 294261 415267 3.47 4.31
Others 13593 14905
Specialised Insurers (16.05) (15.47)
Ecgc 136240 132073 1.61 1.37 Total Premium 84686 96379
Aic 273970 352122 3.24 3.65 Note : 1. Figures in brackets indicate the ratio (in percent) of
Sub-total 410210 484195 4.84 5.02 respective segment.
2. The above figures include premium of Specialized insurers
Grand Total 8468577 9637937 100.00 100.00 and Standalone Health Insurers
3. Health includes Personal Accident and Travel Insurance

19
 ANNUAL REPORT 2015-16

CHART I.17
PREMIUM (WITHIN INDIA) UNDERWRITTEN BY NON-LIFE INSURERS - SEGMENT WISE

Premium Underwritten Outside India underwritten by the insurer in 2015-16. (14.67% in

I.3.35 All public sector insurers (except United India)
are underwriting non-life insurance business outside
India. United India ceased operations outside India
in 2003-04. The total premium underwritten outside
the country by the three public sector insurers stood
at ` 2,954 crore in 2015-16 as against ` 2,466 crore
in 2014-15 registering a growth of 19.79 percent
against 3.61 percent in the previous year. The
premium underwritten outside India accounted for
3.06 percent of total premium underwritten by the
Non-Life insurers whereas it was 2.91 percent in
the previous year.
I.3.36 New India continued to be the largest public
sector general insurer in terms of premium
underwritten outside India. The overseas premium
constitutes 14.71 percent of the total premium
2014-15). In case of Oriental, it is 3.45 percent in
2015-16 (2.12 % in 2014-15). National Insurance
continued to have a small component of overseas
business at 0.36 percent in 2015-16 (0.37 percent
reported in 2014-15).
I.3.37 Of the total premium of ` 2954 crore
underwritten outside India in 2015-16, New India
underwrote a higher premium of ` 2614 crore (`
2271crore in 2014-15), its market share in the total
outside India premium of public general insurers
decreased to 88.50 percent in 2015-16 from 92.10
percent in 2014-15. National Insurance underwrote
a premium of ` 43 crore in 2015-16 (` 41 crore in
2014-15). The outside India premium underwritten
by Oriental Insurance stood at ` 297crore higher
than previous years ` 154 crore, recording a 92.79
percent growth.

20
 ANNUAL REPORT 2015-16

TABLE I.25 TABLE 1.27

RATIO OF OUTSIDE INDIA PREMIUM NUMBER OF POLICIES ISSUED
TO TOTAL PREMIUM NON-LIFE INSURERS*
(Percent) (In Lakhs)
Insurer 2014-15 2015-16 Insurer 2014-15 2015-16
National 0.36 0.36 Public Sector 677.82 671.32
New India 14.67 14.71 (12.95) (-0.96)
Oriental 2.04 3.45 Private Sector 504.97 549.44
United 0.00 0.00 (18.96) (8.84)
Total 1182.79 1220.76
TABLE I.26: GROSS DIRECT PREMIUM (15.44) (3.21)
FROM BUSINESS OUTSIDE INDIA *Excluding standalone Health Private and Specialized
(` lakh) Insurers
Note: Figures in brackets indicate the growth (in percent) over
Insurer 2014-15 2015-16 previous year.
National 4073 4291
(6.90) (5.34) Paid-up Capital
New India 227095 261380 I.3.39 The total paid-up capital of non-life insurers
(3.81) (15.10)
as on 31st March, 2015 was ` 11,504 crore. During
Oriental 15398 29685
-(0.47) (92.79) 2015-16, the non-life insurers added ` 1099 crore
to their equity capital base. Public sector insurers
United 0 0
not infused capital whereas specialized institution
Total 246566 295356
ECGC infused a further capital of ` 100 crore. Private
Note : Figures in bracket indicate the percent of growth over sector insurers infused further capital to the extent
previous year
of ` 694 crore. Standalone health insurers infused a
Number of policies issued: capital of ` 305 crore. Total paid up capital as on
31.3.2016 is ` 12603 crore.
1.3.38 The non-life insurers(excluding Standalone
Health Private and Specialized Insurers) underwrote Other Forms of Capital
1220.76 lakh policies in financial year 2015-16
I.3.40 Pursuant to the power given under section
against 1182.79 lakh policies underwritten in
6A(1)(i) of The Insurance Laws (Amendment) Act,
financial year 2014-15, reporting an increase of 3.21
2015 and in exercise of the power conferred under
percent over financial year 2014-15. The public
section 114A of the Insurance Act and section 26 of
sector insurers witnessed a marginal decrease in
the IRDA Act, 1999, the Authority has notified IRDAI
the number of policies issued. They reported a 0.96
(Other Forms of Capital) Regulations, 2016.
percent decrease in number of policies issued during
the financial year 2015-16 as compared to a 12.95 Underwriting Experience
increase in financial year 2014-15. The private sector
I.3.41 The underwriting losses of the non-life
insurers reported an increase of 8.84 percent in the
insurance companies increased to ` 14962 crore in
number of policies issued in the financial year 2015-
2015-16, from ` 10576 crore in the previous year.
16 (18.96 percent in the financial year 2014-15).
The underwriting losses increased by 41.47 percent
over previous year. The public sector insurers losses

21
 ANNUAL REPORT 2015-16

TABLE I.28 TABLE I.29

PAID UP CAPITAL : NON-LIFE INSURERS UNDERWRITING EXPERIENCE
AND REINSURER* NON-LIFE INSURERS
(` Crore) (` Crore)
2014-15 2015-16 2014-15 2015-16
Non -Life Public Sector Insurer -7019 -10839
Public Sector 650 650 (-18.25) (-25.33)
Private Sector 6972 7666 Private Sector Insurer -2495 -3662
Specialized Institutions (-10.23) (-13.49)
ECGC 1200 1300 Standalone Health Insurer -611 -273
AIC 200 200 (-28.40) (-8.98)
Standalone Health Insurers Specialised Insurer -450 -188
Star Health 362 387 (-17.20) (-6.62)
Apollo MUNICH 349 357 Total -10576 -14962
Max BUPA 791 898 (-15.64) (-19.73)
Religare Health 350 475
Note : Figures in brackets indicate ratio of underwriting profit/
Cigna TTK 200 240
loss to net earned premium
Reinsurer (Underwriting Profit/Loss= Premium earned (Net)-Claim
Incurred (Net)-Commission-operating Expenses related to
GIC 430 430 Insurance Business-Premium Deficiency)
Total 11504 12603
Note: * Excludes share premium and share application money. commission expense of ` 5811 crore for the non-
life industry. The commission expenses continued
increased by 54.42 percent to ` 10839 crore in to be the highest in the Health segment, which stood
2015-16 from ` 7019 crore in 2014-15. The private at ` 2168 crore, comprising of ` 1114 crore for the
sector insurers losses increased to ` 3662 crore in public sector, ` 597 crore for the private sector
2015-16 from ` 2495 crore in 2014-15. The companies and ` 457crore for the standalone health
underwriting losses of standalone health insurer insurance companies.
decreased to ` 273 crore in 2015-16 from ` 611 in
2014-15. Specialized insurers reported significant I.3.43 Commission expenses and operating
decrease in underwriting losses in 2015-16 which expenses constitute a major part of the total
is ` 188 crore as compared to underwriting loss of expenses. The operating expenses of non-life
` 450 crores in 2014-15. insurance companies stood at ` 23230 crore in 2015-
16 as against ` 20206 crore in 2014-15, showing
Note: Change in previous year figures are due to overall increase of 14.97 percent. The operating
consideration Premium Deficiency Reserve expenses of the public sector insurers, private non-
Expenses of Non-Life Insurers life insurers, standalone health insurers and
specialized insurers are increased by 12.11 percent,
I.3.42 The commission expenses of public insurers, 19.84 percent, 14.22 percent and 0.73 percent
private non-life insurers, standalone health insurers respectively over previous year.
and specialized insurers stood at ` 3343 crore,
` 1983 crore, ` 457crore and ` 28 crore respectively I.3.44 Pursuant to the power given under section
for 2015-16, cumulatively amounting to a total 40B and 40C of The Insurance Laws (Amendment)

22
 ANNUAL REPORT 2015-16

TABLE I.30
COMMISSION EXPENSES-NON LIFE INSURERS
(` crore)
Segment Private Sector Public Sector Standalone Specialised Total
Insurer Insurer Health Insurer Insurer
2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16
Fire 192.14 223.91 568.04 602.07 0.00 0.00 0.00 0.00 760.18 825.98
Marine 99.16 104.35 169.37 141.06 0.00 0.00 0.00 0.00 268.53 245.41
Motor 716.53 789.16 870.95 983.88 0.00 0.00 0.00 0.00 1587.48 1773.04
Health 526.02 597.05 1000.52 1113.87 311.98 456.78 0.00 0.00 1838.52 2167.70
Others 226.87 268.74 496.23 501.94 0.00 0.00 34.19 27.97 757.29 798.65
Total 1760.72 1983.21 3105.11 3342.82 311.98 456.78 34.19 27.97 5212.00 5810.78

Act, 2015 and in exercise of the power conferred Incurred Claims Ratio
under section 114A of the Insurance Act, the
I.3.46 The net incurred claims of the non-life insurers
Authority has issued IRDAI (Expenses of
stood at ` 64495 crore in 2015-16 as against
Management of Insurers transacting General or
`55232 crore in 2014-15. The incurred claims
Health Insurance Business) Regulations, 2016. The
exhibited an increase of 16.77 percent during 2015-
said Regulations have provided option to the insurers
16. The public sector insurers, private sector non-
for the financial year 2015-16 either to follow
life insurers, standalone health insurers and
erstwhile Rule 17E of the Insurance Rules, 1939 or
specialized insurers reported increase of 20.71
to follow these Regulations.
percent, 12.01 percent, 32.41 percent and (-)1.40
I.3.45 The Authority has granted exemption on the percent respectively in the incurred claims. The
limits under Rule 17E to 23 private insurers in the overall increase in incurred claims ratio during 2015-
first five years of their operations. During the financial 16 was at 16.77 percent was higher than 12.31
year 2015-16, 6 private insurers are under exemption percent recorded during the previous year.
period. The period of five financial years shall be in
I.3.47 The incurred claims ratio (net incurred claims
addition to the first partial financial year.
to net earned premium) of the non-life insurance
TABLE I.31 industry was 85.05 percent during 2015-16 which
OPERATING EXPENSES is higher than the previous year figure of 81.70
NON-LIFE INSURERS
percent. The incurred claims ratio for public sector
(` Crore)
insurers was 89.03 for the year 2015-16 which was
Insurer 2014-15 2015-16 increased from the previous years incurred claims
Public Sector Insurer 11181 12535 ratio of 82.09 Whereas for the private sector non-
Private Sector Insurer 7527 9020 life insurers, standalone health insurers and
Standalone Health Insurer 1224 1398 specialized insurers incurred claims ratio for the year
Specialised Insurer 275 277 2015-16 was 80.17 percent, 58.20 percent and
100.54 percent respectively as compared to the
Total 20206 23230
previous years ratio of 79.69 percent, 62.18 percent
and 110.68 percent respectively.

23
 ANNUAL REPORT 2015-16

I.3.48 Among the various segments, Health Investment Income: Non-Life Insurers
insurance and Motor insurance had a high claims
ratio at 98.43 percent and 81.18 percent respectively. I.3.49 The investment income of all non-life insurers
The incurred claims ratio of the Motor Segment was during 2015-16 was ` 19090 crore (` 16607 crore
increased to 81.18 percent in the year 2015-16 from in 2014-15) registering a growth of 14.95 percent
the previous years ratio 77.14 percent. However, as against 16.44 percent in the previous year. During
incurred claims ratio of others segment is increased the year under review, the investment income of
to 75.94 from previous years ratio of 73.91. However, standalone health insurers has increased
the incurred claims ratio of Fire segment is increased significantly by 35.90 percent and private sector
to 74.47 from 73.78in the previous year. insurers and specialized insurers has grown at the
percent of 19.27 and 8.28 respectively. On the other
TABLE I.32 hand the investment income for the public sector
NET INCURRED CLAIMS: NON-LIFE INSURERS insurers had shown a growth of 13.26 percent.
(` Crore)
Insurer 2014-15 2015-16 TABLE I.34
INVESTMENT INCOME OF NON LIFE INSURERS
Public Sector Insurers 31567.75 38104.27 (` Crore)
(13.48) (20.71)
Insurer 2014-15 2015-16
Private Sector Insurers 19430.46 21764.44
Public Sector 10725.02 12147.41
(8.71) (12.01)
(14.17) (13.26)
Standalone Health Insurer 1336.62 1769.76 Private Sector 4770.95 5690.17
(31.55) (32.41) (21.60) (19.27)
Specialised Insurer 2897.21 2856.56 Standalone Health Insurers 178.56 242.67
(17.27) (-1.40) (34.98) (35.90)
Grand Total 55232.04 64495.03 Specialised Insurers 932.75 1009.98
(12.31) (16.77) (14.77) (8.28)
Note: Figures in brackets indicate percentage growth over Grand Total 16607 19090
previous year. (16.44) (14.95)
Note: Figures in brackets indicate growth rate (in percent) of the
respective sectors

TABLE I.33
INCURRED CLAIMS RATIO : NON LIFE INSURERS
(in Percent)
Segment Private Sector Public Sector Standalone Specialised Total
Insurer Insurer Health Insurer Insurer
2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16
Fire 75.21 76.03 66.19 66.31 -- -- -- -- 73.78 74.47
Marine 57.80 63.66 87.38 85.90 -- -- -- -- 67.44 72.05
Motor 72.38 79.83 81.91 82.54 -- -- -- -- 77.14 81.18
Health* 109.97 115.45 79.17 74.59 62.18 58.21 -- -- 96.93 98.43
Others 55.97 59.24 60.61 75.11 -- -- 110.68 100.54 73.91 75.94
Total 82.09 89.03 79.69 80.17 62.18 58.21 110.68 100.54 81.70 85.05
*: Health includes Personal Accident and Travel Insurance

24
 ANNUAL REPORT 2015-16

Net Profits of Non-life Insurers the specialized insurers have reported net profit
during the year 2015-16.
I.3.50 During the year 2015-16, the total net profit
of non-life insurance industry was ` 3238 crore as TABLE I.35
against a profit of ` 4639 crore in 2014-15. The NET PROFIT OF NON LIFE INSURERS
public sector companies reported a net profit of 1499 (` Lakh)
crore. The private sector insurers reported a net profit Insurer 2014-15 2015-16
of ` 1333 crore and specialized insurers have Public Sector 309399 149900
repor ted ` 583 crore net profit whereas the
Private Sector 164351 133324
standalone health insurers reported ` 177 crore net
Standalone Health Insurer -44651 -17692
loss.
Specialised Insurer 34814 58316
I.3.51 All the four public sector insurers reported
Grand Total 463913 323848
net profits during the year 2015-16. New India
reported a net profit of ` 829 crore during the year Returns to Shareholders
2015-16 against a profit of ` 1431 crore in 2014-15
and thus decreased 42.07%. Net profit of National I.3.53 Of the four public sector non-life insurance
has decreased to ` 149 crore from ` 970 crore in companies, New India paid a dividend of ` 250 crore
the year 2014-15, Oriental reported a net profit of ` during the year 2015-16 against ` 300 crore paid in
300 crore during 2015-16 against ` 392 crore in the year 2014-15. National Insurance paid a dividend
2014-15 thus decreased by 23.47%. United India of ` 45 crore during the year 2015-16 against ` 194
reported a net profit of ` 221 crore during 2015-16 crore dividends during the year 2014-15. Oriental
against the ` 301 crore in 2014-15, thus decreased Insurance paid dividend of ` 120 crore in the year
by 26.57%. 2015-16 against ` 110 crore in the previous year.
While United India paid a dividend of ` 67 crore in
I.3.52 Among the eighteen private general insurance the year 2015-16 against the same amount of ` 61
companies, while twelve companies reported net crore paid in the year 2014-15.
profits, the remaining six companies incurred net
losses during 2015-16. The net profit of Bajaj Allianz Among the private sector insurers, three companies
during the year 2015-16 was ` 564 crore against paid dividends during the year 2015-16. HDFC Ergo
net profit of ` 562 crore in the year 2014-15. The net paid dividend of ` 67.30 crore, ICICI Lombard paid
profit of ICICI Lombard was ` 507 crore in 2015-16 dividend of ` 134.17 crore and Shriram General paid
against the net profit of ` 536 crore.The seven dividend of ` 45.72 crore.
insurers which reported net losses were Bharti AXA, I.3.54 GIC paid ` 860 crore dividend during the year
Future Generali, L&T General, Magma HDI, Kotak 2015-16 against ` 540 crore dividend paid during
Mahindra, Liberty Videocon and SBI General. Similar the year 2014-15. ECGC paid `65 crore during the
to the year 2014-15, all the standalone health year 2015-16 against ` 48 crore in the year
insurers except Apollo Munich reported net losses 2014-15. No dividend was paid by AIC for the year
during the year 2015-16. Apollo Munich reported net 2015-16.
profit of ` 7.46 crore during the year 2015-16. Both

25
 ANNUAL REPORT 2015-16

TABLE I.36 TABLE I.37

DIVIDEND PAID : NON-LIFE INSURERS No. OF NON LIFE INSURANCE OFFICES
(` Crores) (As on 31st March)
Insurer 2014-15 2015-16 Sector 2015 2016
Non -Life Public Sector 8120 8331
Public sector 665 482 Private Sector 1742 1869
Private Sector 211 247
Standalone Health 458 520
Standalone Health Insurers 0 0
Specialised Insurers 87 83
Specialised Insurers
ECGC 48 65 Total 10407 10803
AIC 20 0
Reinsurer SPECIALISED INSURERS:
GIC 540 860
Total 1484 1654 Export Credit Guarantee Corporation of India
Ltd.
Number of offices
I.3.57 Export Credit Guarantee Corporation of India
I.3.55 As on 31st March 2016, the non-life insurance
Ltd (ECGC) is a specialized insurer underwriting
companies were operating from 10,803 offices all
business in export credit insurance. The company
over the country.
underwrote a gross direct premium of ` 1321 crore
District Level Coverage in 2015-16 reporting a decrease of 3 percent against
` 1362 crore in 2014-15. The insurer reported an
I.3.56 In Non-Life segment, the four public sector
underwriting loss of ` 250 crore against ` 292 crore
insurers are having offices at 607 districts in the
underwriting loss in the previous year. The insurers
country. (94.84 percent). The private sector insurers
Net Earned Premium is to the tune of ` 979 crore
cover 297 districts (46.40 percent).

TABLE I.38
NUMBER OF NON-LIFE OFFICES - TIER WISE AS ON 31st MARCH, 2016
Non Life Insurers Year Tier I Tier II Tier III Tier IV Tier V Tier VI Total
Public Sector 2015 3866 1282 1517 1233 170 52 8120
2016 3901 1307 1579 1316 173 55 8331
Private Sector 2015 1706 28 6 2 0 0 1742
2016 1823 36 7 2 1 0 1869
Standalone Health 2015 255 203 0 0 0 0 458
2016 290 62 168 0 0 0 520
Specialised Insurers 2015 87 0 0 0 0 0 87
2016 83 0 0 0 0 0 83
Total 2015 5914 1513 1523 1235 170 52 10407
2016 6097 1405 1754 1318 174 55 10803
Note:-
Tier I - Population 1,00,000 & Above. Tier IV - Population of 10,000 to 19,999.
Tier II - Population of 50,000 to 99,999. Tier V - Population of 5,000 to 9,999.
Tier III - Population of 20,000 to 49,999 Tier VI - Population less than 5,000.

26
 ANNUAL REPORT 2015-16
CHART I.18: NUMBER OF NON LIFE
INSURANCE OFFICES TIER- WISE FOR 2015-16
as against ` 1019 crore in the previous year. The
net profit of the company increased to ` 276 crore
from ` 180 crore in the previous year. The insurer
reported an incurred claims ratio of 102% in 2015-
16 (114% in 2014-15).
I.3.58 The company had 11525 short term export
credit insurance policies in force in 2015-16 (11,236
in 2014-15) including transfer guarantees. Premium
income earned on short term policies during the year
was ` 382.08crore (` 383.87 crore in 2014-15). The
premium income earned on short term ECIB during
the year was ` 910.67crore (` 942.29 crore in 2014-
15). The Premium income from the medium and
long term business during 2015-16 was ` 27.04 crore
as against ` 36.24 crore in 2014-15.
Agricultural Insurance Company of India Ltd
I.3.59 Agriculture Insurance Company of India Ltd
(AIC) is a specialized insurer underwriting business
in agriculture insurance. The company underwrote
gross direct premium of ` 3521 crore during the year
27
2015-16, reporting a growth of 29 percent as against
` 2740 crore in 2014-15.The insurers net earned
premium for the year 2015-16 is ` 1862 crore as
against ` 1598 crore in the previous year. The insurer
has earned an underwriting profit of ` 61.66 crore
in 2015-16 against an underwriting loss of ` 158
crore in 2014-15.The net profit of the company was
increased to ` 307 crore from ` 168 crore in the
previous year. The companys incurred claims ratio
is 99.66% in 2015-16 as against 108.47% in 2014-
15.
General Insurance Corporation of India
I.3.60 GIC is the national reinsurer, providing
reinsurance to the direct general insurance
companies in India. The Corporations reinsurance
program has been designed to meet the objectives
of optimizing the retention within the country,
ensuring adequate coverage for exposure and
developing adequate capacities within the domestic
market.
I.3.61 The total net premium written by GIC during
2015-16 increased by 18.17 percent to `16375 crore
from `13857crore in 2014-15. The net earned
premium of the Reinsurer (the net premium after
adjustments for reserve for unexpired risks) during
2015-16 is increased to ` 15173 crore from ` 13558
crore in 2014-15. The net incurred claim ratio has
decreased to 85.02 percent in 2015-16 from 87.71
percent in 2014-15.The company reported a net
profit of ` 2848 crore in 2015-16 as against net profit
of ` 2694 crore in 2014-15.
 ANNUAL REPORT 2015-16

I.4 REVIEW policyholders protection framework. The endeavour

is to ensure protection of interests of policyholders
I.4.1 PROTECTION OF INTERESTS OF
without any deviation and setting minimum bench
POLICYHOLDERS
marks in servicing of insurance policies.
I.4.1.1 Draft Protection of policyholders interests
I.4.1.2 Misselling and Spurious calls: Spurious
regulations: - The basic framework for protection
calls in the name of officials of IRDAI and other
of policyholders interests is contained in the IRDA
financial institutions is a matter of concern for the
(Protection of policyholders Interests) Regulations
Insurance Industry. IRDAI has issued several public
2002. Since then, the insurance industry has
notices, press releases, advertisements in leading
witnessed numerous changes such as introduction
TV Channels, newspapers, and directions to
of new type of products like micro insurance
Insurance Companies to caution public against
products, ULIP products, Health Insurance etc, new
spurious calls etc at various touch points and in
categories of distribution channels like Corporate
media as well. It is observed that the number of
Agents, Insurance Brokers, web-aggregators and
consumer complaints under the categories,
Insurance Marketing Firms (IMF) have been
Misselling and Spurious calls continue to exist and
permitted to carryout insurance distribution activities.
in order to ensure that all the complaints under
It is observed that with increase in competition the
Misselling and spurious calls are handled as per the
need to bring in more transparency in insurance
laid down policy of the Insurance company in all
sales process, strict enforcement of code of conduct
cases, All the life insurers were advised to draw out:
by agents and intermediaries, has arisen.
- Company Specific Policy on handling Misselling
The FSLRC recommendations relating to consumer
Complaints and also a
protection also call for regulations to provide for
greater consumer protection at all stages of financial - Company Specific Policy on handling Spurious
transactions. Therefore the need to examine the Calls Complaints
current regulations in line with changing times was
A direction in this regard was issued on 05.08.2015
felt necessary. And as such IRDAI constituted a
to all life insurers. Accordingly All Life Insurers have
standing advisory committee to have a relook at the
drawn their Company specific policy and submitted
existing regulations per taining to consumer
the same to the Authority. The Consumer Affairs
protection, review of TATs for various services and
Department has reviewed the grievance redressal
contemplating introduction of a Citizens Charter for
machinery of all insurers with the Grievance
the insurance industry prescribing timelines for
redressal officers concerned, in 2015-16 and has
various services in each line of business. Based on
urged Zero tolerance to complaints. With specific
the recommendations of the committee, Draft IRDAI
focus on arresting misselling, Insurers concerned
(Protection of Policyholders Interests) Regulations
were provided directions towards identifying the
2014 were placed in the public domain for comments.
underlying causes for misselling and putting in place
Considering the comments and suggestions
appropriate mechanism/procedures in order to
received, IRDAI (Protection of Policyholders
eradicate the misselling menace which is affecting
Interests) Regulations would be issued in due
the reputation of the insurance industry.
course. They shall supersede the existing

28
 ANNUAL REPORT 2015-16
1.4.1.3 Instances have been brought to the notice
of the authority that the insurers are not complying
with the Orders of (a) Consumer Forums (b) Orders
of MACT and (c) Awards of Insurance Ombudsman.
Therefore the Authority has issued Circular Ref:
IRDA / CAD / CIR / MISC / 194 / 11/2015 dated
03.11.2015 advising insurers to comply with the
orders of above judicial and quasi judicial bodies as
per time lines specified in the orders or within 60
days of receipt of the order/award by insurer in cases
where no time limit is specified in the order. If insurer
chooses to prefer an appeal against the order, such
appeal against the order shall be preferred within
the stipulated time limit as per applicable rules and
the customer should be informed accordingly.
1.4.1.4 In continuation to the above, the Authority
has also issued a Circular Ref No: IRDAI/CAD/CIR/
MISC/063/03/2016 dated 31.03.2016 calling for data
periodically from insurers with a view to monitor
compliance with the circular mentioned at 1.4.1.3
above.
Initiatives towards policyholder protection
I.4.1.5 With a view to protect the policyholders
interest, IRDAI has taken a number of initiatives. The
framework of regulations to protect the interests of
prospects and policyholders are contained in the
IRDA (Protection of Policyholders Interests)
Regulations, 2002. The Regulations contain
procedure to be followed at the point of sale;
disclosures to be made in life insurance and general
insurance policy document, claim procedure in
respect of life insurance and general insurance
policy; and Turnaround Time (TATs) for various
functions under policy servicing.
I.4.1.6 IRDA (Advertisement and Disclosure)
Regulations, 2000 and other guidelines relating to
advertisements are aimed at ensuring that any
communication (including that on the internet) which
29
directly or indirectly results in eventual sale or
solicitation of policy should not be unfair or
misleading but should contain fair information about
the product on offer so that the customer can take
an informed decision about choosing the insurance
product according to his need.
I.4.1.7 Insurance is a subject matter of solicitation
and authorized persons or institutions are involved
in soliciting insurance. In order to ensure that only
licensed persons or institutions engage in
prospecting and sale of insurance products, IRDAI
has issued regulations for licensing. These
regulations are IRDAI (Appointment of Insurance
Agents) Regulations, 2016 for individual insurance
agents; IRDAI (Registration of Corporate Agents)
Regulations, 2015 for corporate agents; IRDA
(Insurance Brokers) Regulations, 2013 for insurance
brokers; IRDA (Web Aggregators) Regulations, 2013
for web aggregators; and IRDAI (Registration of
Insurance Marketing Firm) Regulations, 2015 for
Insurance Marketing Firms. These regulations
mandate compliance of the agents, corporate
agents, brokers, web aggregators and IMFs with the
code of conduct prescribed therein to ensure that
the persons soliciting insurance business should be
eligible persons and that they disseminate the
requisite information in respect of insurance products
offered for sale, understand the policy being sold
and should be capable of making suitable advice
based on the customer needs so that the policy
offered / sold meets the requirements of the
prospect. They are also required to provide after
sales service like renewal, assistance in making
claim etc.
I.4.1.8 With the increasing recourse taken by
insurers, corporate agents and brokers solicit
policies (including lead generation) through tele-
calling, SMS, email, internet, DTH, postal mail and
other modes which do not involve communication
 ANNUAL REPORT 2015-16
in person as well as requests from clients seeking
information and sale of insurance products in
distance mode; IRDA issued Distance Marketing
Guidelines. The requirements to be complied with
at the time of offer, negotiation and conclusion of
sale are aimed at affording protection to prospects
and policyholders taking recourse to distance
marketing channels.
I.4.1.9 Since the benefit of insurance can be reaped
only if appropriate products are sold; IRDAI has
issued guidelines on File and Use of products both
in life and non-life. In terms of these guidelines every
insurer is required to seek approval of products by
making an application to IRDAI. Along with the
application, the insurer should furnish specimen
policy bond, specimen proposal forms, specimen
sales literature and statement of financial projections.
Similar procedure has to be followed for change in
terms and conditions. Even in case an insurer wants
to withdraw a product, it can do so only after
informing IRDAI and giving reasons for withdrawal.
These guidelines ensure that only approved
products are sold to public.
I.4.1.10 The IRDA (Non-Linked Product) Regulations
2013 and IRDA (Linked Product) Regulations 2013
governing non-linked and linked life insurance
products respectively are aimed at ensuring
consistency in terms of products and features offered
by the insurers and bringing in transparency in terms
of benefit payouts thereby enabling the customers
to choose the right policy.
I.4.1.11 IRDA (Health Insurance) Regulations 2013
lay greater emphasis on features of the product,
standard declaration in the proposal form, greater
transparency and disclosures in sales literature and
disclosures on the web portals to disseminate
suitable information for decision making, etc. The
guidelines on standardization in health insurance
30
provide standardization of several aspects in health
insurance such as definitions for commonly used
terms in health policies, nomenclature and
procedure for critical illness, pre-authorization and
claim form, list of excluded expenses in
hospitalization benefit to policies, file and use
application, customer information sheet and
agreement between Insurer & Third par ty
Administrator and Insurer & Provider (Hospital).
These guidelines prevent ambiguity and ensure
greater consistency in interpretation, which is in the
general interest of policyholders.
I.4.1.12 In addition to the various measures aimed
at protecting the interests of insurance customers
as indicated above, if there is a cause for complaint
regarding deficiency of service by an insurer, a
system for expeditious resolution is imperative. The
grievance redressal guidelines direct the insurers
to have a board approved Policyholders protection
committee at the apex level for approving and
reviewing Grievance Redressal mechanism in the
company and a uniform system for receiving,
acknowledging and resolving grievances within
specified time limits; and to appoint an officer
designated as Grievance Redressal Officer not only
at the Head Office/Corporate office level but also at
every other office.
I.4.1.13 In order to facilitate customers to reach the
insurers for their grievances, IRDAI has provided
channels for customers to raise their grievances
against insurers. These include online grievance
portal www.igms.irda.gov.in and a toll free grievance
call centre (155255). The complaints registered
through these channels are taken up with insurers
for resolution.
I.4.1.14 As IRDAI facilitates grievance redressal but
does not adjudicate upon grievances, the institution
of Insurance Ombudsman functioning under the
 ANNUAL REPORT 2015-16
Redressal of Public Grievances Rules, 1998 serves
as a simple, inexpensive and expeditious conciliatory
and adjudicatory mechanism for settlement of
complaints on certain grounds of complaint relating
to personal lines of insurance.
I.4.1.15 Thus, IRDAIs role in policyholder protection
goes much beyond the IRDA (Protection of
Policyholders Interests) Regulations, 2002. Further,
the above measures are in addition to and not
exclusive of other regulatory requirements of entry
point norms, licensing, maintenance of solvency
margins, investment norms, and public disclosures
etc. and supervisory mechanisms like on-site
inspection and off-site monitoring through regulatory
returns, market intelligence, audit etc.
I.4.1.16 As mentioned above, considering the fact
that IRDA (Protection of Policyholders Interests)
Regulations are issued in the year 2002 and that
several changes have occurred in the insurance
landscape, there is an urgent need for revisiting the
regulations to enhance the policyholder protection.
IRDAI shall be issuing IRDAI (Protection of
Policyholders Interests) Regulations, 2016 in due
course to strengthen the Policyholder Protection
Regulations. Apart from the regulations a Citizen
Charter for insurance companies is also being
contemplated.
Grievance Redressal and Consumer Education
I.4.1.17 The Consumer Affairs Department of IRDAI
facilitates resolution of policyholder grievances by
monitoring the insurers policy of Grievance
redressal and takes several initiatives towards
protecting the interests of the Insurance consumers.
Grievance Redressal Guidelines of IRDAI mandate
that all insurers should have a Board approved
grievance redressal policy, designate a Grievance
Redressal Officer at the senior management level
31
at the Head Office/Corporate Office/Principal Office
and a Grievance Redressal Officer at every other
office and constitute a policyholder protection
committee as per the corporate governance
guidelines for receiving and analyzing reports
relating to grievances. The guidelines mandate each
insurer to put in place automated systems for online
registration and tracking of complaints as well as
systems of receiving grievances by call or emails
and integrate these systems with IRDAI. Further,
the guidelines contain timelines for various activities
relating to grievances like acknowledgement,
redressal, closure etc. Grievance redressal
guidelines and the corporate governance guidelines
direct to have a policyholder protection committee
as a mandatory committee for protection of interests
of policyholders.
I.4.1.18 In order to provide alternative channels to
receive complaints against insurers, IRDAI has set
up IRDAI Grievance Call Centre (IGCC) which
receives complaints through a toll free telephone
number & by email and registers complaints apart
from furnishing the status of the resolution. IRDAI
has also put in place the Integrated Grievance
Management System (IGMS) as an online system
for grievance management that is not only a gateway
for registering and tracking grievances online but
also act as an industry-wide grievance repository
for IRDAI to monitor disposal of grievances by
insurance companies. IGCC has an interface with
IGMS; and through IGMS, IRDAI has an interface
with grievance systems of insurers
I.4.1.19 The Consumer Affairs Department receives
complaints on Insurance companies from prospects
and policyholders; and takes up these grievances
with insurers for resolution. Prospects and
policyholders are advised to first file their complaints
with the respective insurance companies. If the
insurance companies do not attend to the complaints
 ANNUAL REPORT 2015-16
within the stipulated time of 15 days or the
complainant is not satisfied with the resolution, he/
she may escalate the complaint to IRDAI. IRDAI
facilitates resolution through review/reexamination
by taking up the matter with the respective insurance
companies. However, IRDAI does not investigate into
or adjudicate upon each complaint received or
escalated to IRDAI. In case the complainants are
not satisfied with the resolution, they may have to
take up the matter for adjudication by the insurance
ombudsman or any other appropriate forum or court
as the case may be.
I.4.1.20 The Department examines the level of
compliance with IRDA (Protection of Policyholders
Interests) Regulations, 2002. IGMS provides a
central repository of complaints across the industry
and helps IRDAI as well as insurance companies to
carry out root cause analysis of grievances to identify
systemic and policy related issues. Authority
identifies the concerns of the policyholders and
issues suitable instructions / suggests appropriate
measures to insurers towards zero tolerance for
grievances.
I.4.1.21 Consumer Affairs Department is also
actively engaged in consumer education with a view
to spread insurance awareness. Insurance, being a
complex financial product, requires special
knowledge to understand the nature of insurance
products on offer, their utility and the terms and
conditions. The consumer education initiatives of
IRDAI are aimed at ensuring that the consumer
identifies his needs, understands the insurance
products and the risks involved therewith so that he
takes an informed decision while purchasing
insurance. Insurance awareness campaigns by
IRDAI are carried out through all possible channels
including print and electronic media viz. newspaper
ads and publication of handbooks/comic books,
32
radio/television, internet, seminars, social websites
like You tube, face book, twitter etc. The consumer
education website www.policyholder.gov.in hosts a
lot of insurance related information of interest to the
public in simple language. In order to enhance the
reach of the material, IRDAI has launched a Hindi
site and also prepared the books in major regional
languages so that the information can be made
available to the people across the country in the
language of their choice. IRDAI is focusing now on
the distribution of the material developed for which
IRDAI is collaborating with the insurance industry,
other regulatory bodies, Financial Literacy Centers,
Common Service Centers etc., and using all
available alternative channels used to reach people
across the nation for spreading insurance
awareness, thereby creating the demand push for
enhancing the levels of insurance inclusion. IRDAI
is also an active participant in implementing the
National Strategy on Financial Education by working
with other financial sector regulators towards
imparting financial literacy from early stages of ones
life.
Insurance Literacy and Consumer Awareness
Initiatives of IRDAI
1.4.1.22 The key objective of the Authority is to
promote market efficiency and ensure consumer
protection. The Authority is fully conscious of the
fact that the growth of insurance coverage in the
country, both for life and non-life risks, is possible
only when there is a growth in consumer knowledge
and insurance education.
It is essential to spread insurance literacy across all
citizens of the countr y equipping them with
knowledge, skills and confidence required to make
an informed choice while choosing any insurance
product. Insurance education helps a consumer to
 ANNUAL REPORT 2015-16
understand his needs and risks, availability of
insurance for managing risks, value of possessing
an insurance product and know about the dos &
donts before and after purchase of an insurance
policy. An informed consumer will be aware of the
various channels of redress mechanism available
to him including the Insurance Ombudsman.
Insurance education, thus, helps to access the
services of insurance sector in an informed manner
and to promote market efficiency and flow of
symmetrical information for orderly growth of
insurance industry.
The Authority believes in ensuring prudent market
discipline to be followed by insurers and
intermediaries through disseminating adequate
information, mandating public disclosures,
prescribing training requirements, code of conduct
for intermediaries and stepping insurance
awareness initiatives etc.
Further, to provide impetus to consumer education,
IRDAI has adopted multi-pronged approach and
encouraged all stakeholders to promote insurance
awareness among the public.
I.4.1.23 During the FY 2015-16, IRDAI took a
number consumer education initiatives under the
BimaBemisaal brand, which are as follows:-
A massive campaign through electronic media
was carried out by IRDAI by telecast of the
following three TVCs in 12 regional languages
including Hindi for cautioning general public
against spurious callers and fictitious offers.
1. Cautioning neighbor (Sharma Ji) about the
fraud calls in the name of IRDAI with the
tagline Sach or Jhoot Mein Janiye fark -
rahiye satark.
2. Giving message through Policeman/Hero
IRDAI Bimaaur Bonus
33
kighoshnanahikarta with the tagline Sach
or Jhoot Mein Janiye fark - rahiye satark
3. Cautioning about fictitious offer in the
cafeteria on the theme of Bach ke baba
rahenatu with the tagline IRDAI aapke
shubh chintak.
Continuing its efforts to curb the menace of
spurious callers, IRDAI carried out a focused
Insurance Awareness Campaign at National
Capital Region, from where most of the
grievances about spurious callers are emanating.
Messages were displayed inside Metro Trains,
Metro Stations and outside Stations cautioning
against spurious callers and Grievance
Redressal Mechanism available for
policyholders.
The Insurance Awareness Campaign in the State
of Tripura launched by Honble Chief Minister of
Tripura, Shri Manik Sarkar on 8th January, 2015
is a joint effort of IRDAI and Government of
Tripura. The objective of campaign is to make
the citizens aware about the benefits of
insurance. The campaign has entered in its
second year and progressing as per action plan
prepared for two years. IRDAI sponsored six
seminars conducted by the State Government
of Tripura in different districts of Tripura to reach
out the unreached. These seminars were aimed
to disseminate the importance of insurance and
officials from IRDAI as well as insurance
companies addressed the participants as
speakers on the related subjects. The insurance
education material of IRDAI is being distributed
across the State through Schools, District
Libraries, Zila Parishad, Village Committees,
LAMPs/PACs.
IRDAI celebrated its foundation day (19th April)
as Insurance Awareness Day. On this occasion,
 ANNUAL REPORT 2015-16
IRDAI organized 3rd Pan India Insurance Quiz
Competition for the insurance industry. On this
occasion, a Panel Discussion on Best
Insurance Awareness Policies of the insurers
was conducted. It was chaired byMember (Non-
Life) and attended by the Secretary Generals of
Life Insurance Council, General Insurance
Council, Insurance Institute of India and Director
of National Insurance Academy as panel
members. The panel was unanimous in stating
that insurance awareness is the key for
insurance development in the country.
IRDAI brought out wall calendars and desk
calendars for the year 2016 with insurance
messages giving a few tips about Right Buying.
IRDAI reviewed the Board approved Insurance
Awareness Policy of insurersviz-a-viz insurance
awareness initiatives taken by them in a meeting
where presentations were made by the Senior
officials of Insurance Companies responsible for
implementation of their insurance awareness
policy.
IRDAI has undertaken Post Launch Survey of
Insurance Awareness Campaigns in the year
2015 through National Council of Applied
Economic Research (NCAER) and its final report
is under finalization. The survey was undertaken
as a follow-up of the Pre-launch sur vey
conducted in 2010 with an objective to compare
and analyze awareness levels of insured and
uninsured population vis-a-vis awareness levels
of Pre-launch Survey.
IRDAI is playing an active role as a member of
Core Committee of National Centre for Financial
Education, an institution, jointly formed by all
financial sector regulators in India for
implementation of the National Strategy for
34
Financial Education (NSFE), and supporting the
initiatives of NCFE. The details of important
activities taken by NCFE during 2015-16 are as
under:-
a. 3rd NCFE National Financial Literacy
Assessment Test (NCFE-NFLAT).
b. Introduced its Financial Education Website in
Hindi, Tamil, Marathi and Bengali language.
c. Financial Education Training Programs (FETP)
for CBSE school teachers of class 8 to 10 across
India.
d. Launched Financial Education Workbooks for
school students of Class VI to X.
Both as member of NCFE and also as a sectoral
regulator for insurance sector in India, IRDAI is
contributing the insurance related content and also
working with schools, colleges and institutions for
dissemination of financial education in general and
insurance education in particular.
I.4.2 MAINTENANCE OF SOLVENCY MARGINS
OF INSURERS
I.4.2.1 Every insurer is required to maintain a
Required Solvency Margin as per Section 64VA of
the Insurance Act, 1938. Every insurer shall maintain
an excess of the value of assets over the amount of
liabilities of not less than an amount prescribed by
the IRDA, which is referred to as a Required
Solvency Margin. The IRDA (Assets, Liabilities and
Solvency Margin of Insurers) Regulations, 2000
describe in detail the method of computation of the
Required Solvency Margin.
Life Insurers:
I.4.2.2 At the end of March 2016, all 24 life insurers
complied with the stipulated solvency ratio of 1.5.
 ANNUAL REPORT 2015-16
Solvency Ratio of Non-life Insurers
I.4.2.3 As at 31st March, 2016, all 23 private sector
non-life insurers (including the health insurers) have
complied with the stipulated Solvency Ratio of 1.50.
Out of four public sector non-life insurers, three
insurers have complied with the stipulated Solvency
Ratio of 1.50 as at 31st March ,2016. However,
National Insurance Company Limited has reported
solvency ratio of 1.26.
I.4.2.4 As at 31 st March, 2016, the specialized
insurers, i.e. AIC and ECGC reported a solvency
ratio of 3.26 and 9.79 respectively as against 3.18
and 6.61 as at 31st March, 2015.
Reinsurer
I.4.2.5 The national re-insurer, General Insurance
Corporation of India, reported a solvency ratio of
3.48 as on 31st March,2016 (3.04 as on 31st March,
2015)
I.4.3 Monitoring of Re-insurance
1.4.3.1 The mandate to the Authority in respect of
reinsurance lies in the provisions of Section 14(1)
and 14(2) Sub Section (f) of the IRDA Act, 1999 as
well as Sections 34F, 101A, 101B and 101C of the
Insurance Act, 1938. In addition, the Authority has
framed regulations pertaining to re-insurance by both
life and non-life insurers which lay down the ground
rules for placing re-insurance with the re-insurers.
Under the provisions of the Insurance Act, 1938,
the Indian re-insurer entitle themselves to receive
obligatory cessions as decided every year, from all
the direct non-life insurers. The limits have been laid
down in consultation with the Reinsurance Advisory
Committee with the approval of Government of India.
1.4.3.2 Every insurer needs a comprehensive and
efficient re-insurance program to enable it to operate
within the constraints of its financial strength. This
35
is important to maintain the solvency of the insurer
and to ensure that the claims are honored as and
when they arise. Hence the Authority has stipulated
that every insurer shall obtain the approval of its
Board for its reinsurance program. The regulatory
framework also provides for filing of the reinsurance
program for a financial year with the Authority at
least 45 days before the commencement of the said
year. The insurers are further required to file the
treaty slips or cover notes relating to the reinsurance
arrangements with the Authority within 30 days of
the commencement of the financial year. These
measures highlight the importance attached to the
existence of adequate and efficient reinsurance
arrangements for an insurance company. It would
be recalled that the solvency position of an insurance
company is assessed on a net of re-insurance
basis.
1.4.3.3 The Regulations also require that every
insurer should maintain the maximum possible
retention commensurate with its financial strength
and volume of business. The guiding principles in
drawing up the reinsurance program have been
stated as under:
1. Maximize retention within the country;
2. Develop adequate capacity;
3. Secure the best possible protection for the
reinsurance costs incurred; and
4. Simplify the administration of business.
1.4.3.4 IRDAI effected amendments to the
Reinsurance Regulations, 2002 and notified the
same in March 2013.
The Insurers/reinsurers may place reinsurance
business with insurers/reinsurers outside India, after
taking into consideration their Credit rating, Claims
experience, Claims paying ability and solvency
margin. Accordingly, limit on the total reinsurance
 ANNUAL REPORT 2015-16
which an insurer could place with an insurer/
reinsurer outside India was prescribed by IRDAI.
Further, in respect of reinsurance of Catastrophe
risks, all insurers/reinsurers were mandated to
ensure that the reinsurance arrangements in respect
of catastrophe accumulations, using various realistic
disaster scenario testing, are adequate and
approved by their Board of Directors before filing
the same is with the Authority along-with their
reinsurance program. Due to ratification of Insurance
Law amendment Act, 2015, the Reinsurance
Regulations are in the process of amendment.
Cross Border Reinsurers
I.4.3.5 The Authority, under the powers granted to
it under Section 114 (zd) of the Insurance Act, 1938
has issued guidelines on Cross Border Reinsurer.
These guidelines were effective from April 1st, 2016,
which supersede the earlier guidelines issued on
January 6th 2012. The guidelines are applicable to
those Cross Border Reinsurers who do not have
any physical presence in India but carry on
reinsurance business with Indian Insurance
Companies.
The Authority vide these guidelines discontinued with
the existing process of annual allotment of Unique
Identification Number (UIN) to the cross border
reinsurers. However, the cross border reinsurer has
to submit an information sheet to the Authority,
through an insurer, every year. It was mandated that
the cross border reinsurers should have a credit
rating of at least BBB (with S&P) over a period of
past five years and have a satisfactory past claims
performance. The reinsurers should be legal entities
in their home country and regulated and supervised
by their home supervisors. The solvency of the
reinsurer should not be lower than standards
prescribed by the home regulator/supervisor. Their
financial strength, quality of management and
36
adequacy of their technical reserving methodologies
should be monitored by their home supervisory
Authority. Authority shall provide a Unique
Identification Number (UIN Number), with a validity
period of one year, to those reinsurers which are
registered and/or certified in a national regulatory
environment with which the Government of India has
signed DTA Agreement.
1.4.3.6 In the year 2015-16 244 reinsurers and 90
Lloyds Syndicates where allotted Unique
Identification Number (UIN) and for 2016-17 the
Authority has issued 336 UINs to 237 reinsurers and
99 Lloyds Syndicates.
All Insurers/Reinsurers were directed to strictly
comply with the guidelines on Cross Border
Reinsurer and no Insurer/Reinsurer can place
reinsurance business with any entity which is not
registered and not having Unique Identification
Number allotted by IRDAI.
The Authority has categorically stated in the
guidelines that the onus of placing reinsurance
business with registered cross border reinsurers is
on the Indian insurers or Indian reinsurers. It will be
the responsibility of Indian insurer or Indian reinsurer
to ensure before placing reinsurance business that
the cross border reinsurer meets the requirements
as specified by the Authority from time to time.
I.4.4 Insurance Pools-Terrorism Pool
I.4.4.1 The Indian Market Terrorism Risk Insurance
Pool was formed as an initiative by all the non-life
insurance companies in India in April 2002, after
terrorism cover was withdrawn by international
reinsurers post 9/11. The Pool has thus completed
14 years of successful operations. All Indian non-
life insurance companies and GIC Re are members
of the Pool. The Pool is administered by GIC Re.
The Pool is applicable to insurance of terrorism risk
covered under property insurance policies.
 ANNUAL REPORT 2015-16

I.4.4.2 The limit of indemnity per location has been c) Section 101A (4) provides that a notification
enhanced to ` 1,500 crores w.ef 1st April 2014, under sub-section (2) of Section 101A of the
against the previous level of INR 1000 Crores. The Insurance Act, 1938 may also specify the
premium rates have been revised downward under terms and conditions in respect of any
the Terrorism Pool arrangement w.e.f the same date. business of re-insurance required to be
transacted under this section and such terms
I.4.4.3 In order to improve the market penetration
and conditions shall be binding on Indian re-
for Terrorism Risk Insurance with better marketing
insurers and other insurers.
by Brokers / Agents, Brokerage /Agency commission
of upto 5% on Terrorism premium was allowed w.e.f. I.4.4.6 Obligatory Cession to Reinsurer (GIC
01.01.2014 for Terrorism Insurance business Re) for 2015-16
procured through Brokers/Agents.
1. The percentage cessions of the sum insured
I.4.4.4 The Pools premium income for 2015-16 was on each General Insurance policy to be
` 475.93 crores compared to ` 472.33 crores in reinsured with the Indian Reinsurer shall be
2014-15. The claims paid by the Pool during 2015- 5% in respect of insurances attaching during
16 were ` 2.04 crores. No major losses were the year 1st April 2015 to 31st March 2016.
reported to the Pool during 2015-16.
2. For the year 2013-14, the obligatory cession
I.4.4.5 Obligatory Cession to Reinsurer (GIC Re): was reduced to 5% on all lines of business as
Act provisions against 10% (except motor & health including
Personal Accident & Travel where the rate was
a) Section 101A of the Insurance Act 1938
7.5%) in 2012-13. The rate of obligatory
stipulates that every insurer shall reinsure with
cession is maintained at 5% for the year 2014-
the Indian reinsurer such percentage of the
15 and 2015-16.
sum insured on each general insurance policy
as may be specified by the Authority, which TABLE : I.39
are also known as obligatory cessions or NET RETENTIONS (GIC) 2015-16
statutory cessions, with the previous approval
Line of Business Domestic Foreign
of the Central Government, after consultation Business % Business %
with the Reinsurance Advisory Committee Fire 55.51 90.74
constituted under section 101B of the Act.
Marine Cargo 92.84 83.93
b) The Authority may by notification specify the Marine Hull 80.32 82.49
percentages of the sum insured on each policy Engineering 77.60 95.95
to be reinsured with the Indian reinsurer and Aviation - 83.51
different percentages may be specified for Motor 100.00 100.00
different classes of insurance provided that no
Misc 92.15 100.00
percentage so specified shall exceed 30 per
Life 78.13 100.00
cent of the sum insured on such policy.
Total 85.70 92.69

37
 ANNUAL REPORT 2015-16

TABLE I.40 MEMBERS SHARE IN INDIAN MARKET TERRORISM RISK

INSURANCE POOL
(` in Crores)
Sl. Member Company 2015-16 2016-17
No Per risk Share Per risk Share
Capacity (in %) Capacity (in %)
1 General Insurance Corporation of India 237.615 15.841 237.615 15.841
2 National Insurance Co. Ltd. 178.215 11.881 170.715 11.381
3 The New India Assurance Co. Ltd. 237.615 15.841 237.615 15.841
4 The Oriental Insurance Co. Ltd. 178.215 11.881 178.215 11.881
5 United India Insurance Co. Ltd. 188.865 12.591 188.865 12.591
6 Bajaj Allianz General Insurance Co. Ltd. 74.640 4.976 74.640 4.976
7 Bharti AXA General Insurance Co. Ltd. 15.105 1.007 15.105 1.007
8 Cholamandalam General Insurance Co. Ltd. 29.505 1.967 29.505 1.967
9 Future Generali General Insurance Co. Ltd. 15.000 1.000 15.000 1.000
10 Govt. Insurance Fund, Gujarat 15.000 1.000 15.000 1.000
11 HDFC Ergo General Insurance Co. Ltd. 15.105 1.007 15.105 1.007
12 ICICI Lombard General Insurance Co. Ltd. 118.815 7.921 118.815 7.921
13 IFFCO-Tokio General Insurance Co. Ltd. 59.400 3.960 59.400 3.960
14 Kotak Mahindra General Insurance Co. Ltd. Not a Pool member
in 2015-16 7.500 0.500
15 L&T General Insurance Co. Ltd. 15.105 1.007 15.105 1.007
16 Liberty Videocon General insurance Co. Ltd. 15.105 1.007 15.105 1.007
17 Magma HDI General Insurance Co. Ltd. 7.500 0.500 7.500 0.500
18 Raheja QBE General Insurance Co. Ltd. 0.750 0.050 0.750 0.050
19 Reliance General Insurance Co. Ltd. 29.700 1.980 29.700 1.980
20 Royal Sundaram Alliance Insurance Co. Ltd. 15.000 1.000 15.000 1.000
21 SBI General Insurance Co. Ltd. 4.995 0.333 4.995 0.333
22 Shriram General Insurance Co. Ltd. 15.000 1.000 15.000 1.000
23 Tata-AIG General Insurance Co. Ltd. 23.760 1.584 23.760 1.584
24 Universal Sompo General Insurance Co. Ltd. 9.990 0.666 9.990 0.666
Total 1500 100 1500 100

I.4.4.7 Re-insurance Advisory Committee
As per Section 101A of the Insurance Act, 1938,
every insurer shall reinsure with the Indian reinsurer
such percentage of the sum insured on each general
insurance policy as may be specified by the Authority,
which are also known as obligatory cessions or
statutory cessions, with the previous approval of
the Central Government, after consultation with the
Reinsurance Advisory Committee.
For this purpose, the Authority may by notification
a) specify the percentages of the sum insured on
each policy to be reinsured with the Indian reinsurer
and different percentages may be specified for
different classes of insurance provided that no
percentage so specified shall exceed 30 per cent of

38
 ANNUAL REPORT 2015-16

the sum insured on such policy; and b) specify the TABLE I.42
proportion in which said percentage shall be REINSURANCE PLACED WITHIN INDIA
allocated among the Indian reinsurer. AND OUTSIDE INDIA AS PERCENTAGE
OF GROSS DIRECT PREMIUM
TABLE I.41 IN INDIA (EXCLUDING GIC)
REINSURANCE CEDED OUTSIDE INDIA ON 2015-16 2014-15
INDIAN BUSINESS (EXCLUDING GIC) Class Placed Placed Placed Placed
(` crore) in India Outside in India Outside
2015-16 2014-15 India India
Class Premium Net Premium Net Fire 36.68 24.82 29.86 28.98
Ceded Profit Ceded Profit Marine Cargo 13.24 14.96 9.34 16.9
Ceded Ceded Marine Hull 37.50 42.73 21.89 59.7
Fire 2110.66 (303.75) 2220.44 (1,442.36) Motor 8.93 0.26 8.35 0.2
Marine Cargo 317.58 (325.31) 375.84 (5.33) Aviation 71.97 32.26 36.95 57.86
Marine Hull 389.34 245.24 628.55 (207.02) Engineering 34.75 23.74 27.24 27.3
Motor 106.36 (99.64) 73.01 (28.36) Other Misc. 12.04 8.19 12.14 11.09
Aviation 138.02 0.42 242.14 98.69 Total 14.06% 7.23% 12.76% 9.31%
Engineering 562.30 149.41 646.75 3.39
Other Misc. 3098.76 (508.46) 3021.31 211.93
commercial vehicle third party insurance with
Total 6723.03 (842.10) 7208.04 (1,369.06)
effect from 01st April 2012.
Note: Figures in bracket indicate negative values 2. In the meantime, the Insurance Laws
(Amendment) Act, 2015 was notified on 23rd
I.4.4.8 Dismantling of Indian Motor Third Party March 2015, mandating insurers to complete
Declined Risk Insurance Pool (DR Pool): a certain minimum percentage of motor third
party business in manner as prescribed by the
1. The Authority vide its order no. IRDA/NL/ORD/
Authority
MPL/277/12/2011 dated 23rd December 2011
created a declined risk pool for Liability only 3. In view of the above, it was not required to
maintain two mandates for the same purpose

TABLE I.43
NET RETAINED PREMIUM ON INDIAN BUSINESS AS PERCENTAGE OF GROSS
DIRECT PREMIUM (EXCLUDING GIC)
Class 2015-16 2014-15
Public Sector Private Sector Total Public Sector Private Sector Total
Fire 62.00 30.96 48.70 63.76 31.31 50.94
Marine Cargo 81.62 67.18 74.01 84.12 65.41 75.44
Marine Hull 28.50 10.45 26.62 26.15 8.71 24.53
Motor 94.68 88.62 91.46 95.3 89.17 92.04
Engineering 63.30 26.52 51.40 69.24 26.62 55.73
Aviation 1.22 60.09 13.42 10.45 50.77 18.25
Other Misc. 88.22 69.01 81.00 86.23 68.16 78.6
Total 85.71 86.78 80.88 84.74 75.24 80.34

39
 ANNUAL REPORT 2015-16

and therefore the Authority decided to I.4.4.9 Revision in Motor Third Party Premium
dismantle the Indian Motor Third Par ty Rates
Declined Risk Pool for Commercial Vehicle
1. As per the notification no. IRDA/NL/NTFN/
(Act only Insurance) from 1st April 2016.
MOTP/066/04/2011 dated 15th April 2011, the
4. The declined risk premium for the year 2015- Authority has to review the premium rates for
16 is 413.11crs (100%), and the premium motor third party liability only cover and adjust
ceded to DR pool for the year 2015-16 is them annually using the formula specified
`309.83crs (75%). The break-up of premium therein.
between public sector companies and private
2. Accordingly, the formula has been applied on
sector companies is given in Table I.45.
each of the classes of vehicles as per the
5. The Authority vide its letter no. IRDA/NL/MTP/ erstwhile All India Motor Tariff.
DRP/2013-1501//2016 dated 10th February
However, looking into the sudden and adverse
2016 to General Insurance Corporation of
impact on the policyholders of increase in rates, the
India declared the Ultimate Loss Ratio for the
Authority moderated the rates by increasing or
year 2014-15 in respect of Declined Risk Pool
decreasing the rate accordingly in some of the
at 184%, for finalizing the accounts.
classes of motor insurance, and notified the revised
TABLE I.44 premium rates for motor third party insurance cover
NET RETENTION OF NON-LIFE INSURERS for the year 2016-17 vide notification no. IRDA/NL/
AS PERCENTAGE OF GROSS DIRECT NTFN/MOTP/060/03/2015dated 28th March 2016.
PREMIUM (INCLUDING GIC)
1.4.5 MONITORING OF INVESTMENTS BY THE
Class 2015-16 2014-15
INSURERS
Fire 63.01 64.54
Marine Cargo 81.01 81.59 1.4.5.1 All Insurers are required to adhere to the
Marine Hull 44.51 35.47 pattern of investments as stipulated under the
Motor 99.20 99.67 investment regulations. The details of investments
Engineering 67.23 71.8 made by life and non-life insurance sector are given
Aviation 27.15 38.91
below:
Other Misc. 84.28 88.14
Total 87.72 89.57 TOTAL INVESTMENTS OF THE INSURANCE
SECTOR
TABLE I.45 PREMIUM UNDER DECLINED
1.4.5.2 As on 31st March 2016, the accumulated total
RISK POOL FOR THE YEAR 2015-16
amount of investments made by the insurance sector
Premium Ceded to
was `26,90,194 crore. During the year, it has grown
DR Pool (75 %) ( ` crore)
by 11.71 per cent. Life insurers continued to
Public Sector 302.32
contribute a major share of total investments made
Private Sector 7.51 by the industry with a share of 93.01 per cent of
TOTAL 309.83 total investments. Similarly, public sector companies
continued to contribute a major share 79.24 per cent

40
 ANNUAL REPORT 2015-16

in total investments though investments by private
sector insurers are growing at a fast pace in recent
years.
INVESTMENTS OF LIFE INSURERS:
1.4.5.3 The various sources of funds available for
investment by life insurers can be classified as funds
from traditional products and funds from ULIP
products. The total amount of funds invested by life
insurers as on 31st March 2016 was `25,02,068
crore. In that, `3,40,412 crore (13.61 percent of total
funds) has come from ULIP funds and the remaining
`21,61,656 crore (86.39 percent) was contributed
by traditional products. The share of ULIP during

TABLE I.46
TOTAL INVESTMENTS OF THE INSURANCE SECTOR
(As on 31st MARCH)
(` Crore)
INSURER Life Non-Life Total
2015 2016 2015 2016 2015 2016
Public 1786312 2009119 103561 122560 1889873 2131679
(13.37) (12.47) (10.42) (18.35) (13.30) (12.79)
Private 461210 492949 57153 65565 518363 558514
(20.37) (6.88) (24.18) (14.72) (20.78) (7.75)
Total 2247522 2502068 160714 188126 2408236 2690194
(14.82) (11.33) (14.95) (17.06) (14.83) (11.71)
Note: 1. Figures in brackets represent growth in percentage over the previous year
2. 2016 Public Includes Specialized Insurers i.e., ECGC & AIC of India

TABLE I.47
TOTAL INVESTMENTS OF LIFE INSURERS : INSTRUMENT-WISE
(As on 31st MARCH)
(` Crore)
Investments from 2015 2016
Amount Percentage Amount Percentage
Traditional Products
1 Central Govt. Securities 722955 38.36 831049 38.44
2 State govt. and other approved securities 430554 22.84 528206 24.44
3 Housing & Infrastructure 174512 9.26 186112 8.61
4 Approved Investments 530568 28.15 583145 26.98
5 Other Investments 26193 1.39 33145 1.53
A. Total (1+2+3+4+5) 1884782 100.00 2161656 100.00
ULIP Funds
6 Approved Investments 352371 97.14 328974 96.64
7 Other Investments 10369 2.86 11438 3.36
B. Total (6+7) 362740 100.00 340412 100.00
Grand Total (A+B) 2247522 2502068

41
 ANNUAL REPORT 2015-16

last five years is facing a downward trend and its
share last year went down by 2.53% when compared
to its previous year. During the year under review,
the ULIP Fund has decreased in absolute number
by `22,328 crore.
1.4.5.4 The pattern of investments made by life
insurers witnessed not much change as on 31st
March 2016 when compared to 31st March 2015.
Central Government Securities and Approved
Investments are two major avenues of investments
by life insurers.
1.4.5.5 Based on the method of classification of
funds, Life fund contributed `16,97,453 crore (67.84
per cent), Pension and General Annuity & Group
Fund `4,64,203 crore (18.55 per cent) and ULIP
fund `3,40,412 (13.61 per cent) in total investments.
During 2015-16, the share of Pension/Annuity funds
in total investment has gone up from 17.33 per cent
to 18.55 per cent. Further, the shares of Life funds
have moved up from 66.53 per cent to 67.84 per
cent. Correspondingly, the share of ULIP fund has
come down from 16.14 per cent to 13.61 per cent

TABLE I.48
INVESTMENTS OF LIFE INSURERS : FUND-WISE
(As on 31st March)
(` Crore)
Insurer Life Fund Pension and General Unit Linked Total of all
Annuity & Group Fund Fund Funds
2015 2016 2015 2016 2015 2016 2015 2016
LIC 1359829 1527016 343813 412664 82671 69439 1786312 2009119
Private 135480 170437 45660 51539 280069 270973 461210 492949
Total 1495309 1697453 389473 464203 362740 340412 2247522 2502068
(66.53) (67.84) (17.33) (18.55) (16.14) (13.61) (100.00) (100.00)
Note: Figures in brackets is percentage of respective funds to the total funds.

TABLE I.49
GROWTH OF INVESTMENTS: FUND-WISE
(As on 31st March)
(` Crore)
Fund 2015 2016
Total Growth in % Total Growth in %
Life 1495309 16.08 1697453 13.52
Pension & General Annuity & Group Fund 389473 15.37 464203 19.19
Traditional (A) 1884782 15.93 2161656 14.69
Unit Linked Funds (B) 362740 9.37 340412 -6.16
Total (A+B) 2247522 14.82 2502068 11.33

42
 ANNUAL REPORT 2015-16

TABLE I.50
TOTAL INVESTMENTS OF NON-LIFE INSURERS : INSTRUMENT-WISE
(As on 31st MARCH)
(` Crore)
Pattern of Investments 2015 2016
Total % to Fund Total % to Fund
Central Govt. Securities 42904 26.70 49994 26.57
State govt. and other approved securities 17120 10.65 22160 11.78
Housing and Loans to State Govt for Housing & FFE 14834 9.23 19503 10.37
Infrastructure Investments 27277 16.97 31946 16.98
Approved Investments 53734 33.43 58311 31.00
Other Investments 4845 3.01 6212 3.30
Total 160714 100.00 188126 100.00
Note : 1. 2016 Includes ECGC & AIC of India
2. FFE : Fire Fighting Equipment

INVESTMENTS OF NON-LIFE INSURERS:
1.4.5.6 Non-Life insurers have contributed only 6.99
per cent of total investments made by the insurance
industry. The total amount of investments made by
the sector, as on 31st March 2016, was `1,88,126
crore. During 2015-16, the net increase in
investments was `27,412 (17.06 per cent growth
over previous year).
1.4.5.7 The pattern of investments made remained
the same as was in the previous year. As on 31st
March 2016, non-life insurers have invested `58,311
crore (31 per cent) and `49,994 crore (26.57 per
cent) in Approved Investments and Central
Government Securities respectively.
I.4.6. Health Insurance Business
Trend in Health Insurance Premium (other than
personal accident and Travel Insurance
Business)
I.4.6.1 The gross health insurance premium
collected by general & health insurance companies
was ` 24,448 crore during 2015-16 and the same
was ` 20,096 crore during the previous financial year.
During 2015-16, the health insurance segment has
achieved a growth rate of 21.7 percent in gross
premium, which is the highest reported during the
past five years. The four public sector general
insurance companies continued to contribute a major
share at 64 percent of total health premium in 2015-
16 which was same as in the previous year. Stand-
alone health insurers have contributed 16 percent
of total health insurance premium during 2015-16,
registering an increase of 2 percent over the previous
year. However, there is a drop in the share of private
general insurers, whose market share has come
down from 22 percent in 2014-15 to 20 percent in
2015-16. It can be observed that over the past five
years, the share of private sector general insurers
has declined from 27 percent in 2011-12 to 20
percent in 2015-16 while the share of standalone
health insurers has moved up from 12 percent to 16
percent and the share of public sector general
insurers has increased from 61 percent to 64
percent.

43
 ANNUAL REPORT 2015-16

BOX ITEM 1
INNOVATIONS IN HEALTH INSURANCE
Today, product choices, social media and behavioural & life style shifts are changing consumer mindsets.
Innovation has become a key differentiator for all businesses and insurance is no exception. Health Insurance in
particular offers a great platform for innovation. Innovation is nothing new. From the Industrial Revolution to the
Information Age, technology, for instance, has seen numerous innovations woven into the fabric of business and
society including the insurance industry. As far as insurance is concerned, innovation can be reckoned from the
perspective of distribution, product design and efficient servicing, all enabled by technology in one way or the other.
The speed of cashless facility for instance has been enabled purely by technology.
Health Insurance has been witnessing a rapid expansion and has significant growth potential for the future as
well. While multiple factors drive this growth, innovation in health insurance products would be a significant factor. If
one were to have a look at the innovations that have taken place in the recent past in the product area, the following
would stand out enhanced coverage; new types of coverage that include hitherto excluded expenses; coverage of
incidental and ancillary expenses connected with hospitalization; pro-active health initiatives of the insured and so
on.
When it comes to enhanced coverage, we find that there are increased number of critical illnesses including
diseases such as Parkinsons and Alzheimers that are being covered nowadays. The coverage offered towards
Personal Accident also has seen an enhancement in terms of double and triple benefits for specified causes of
accidents such as Accidental Burns, accident to Scheduled Carriers, etc. Covers are also being offered for waiver of
Waiting Period / Survival Period / Reduction in Pre existing Disease. Further, extended coverage is being offered for
Pre and Post Hospitalization expenses.
Coverage is offered to hitherto excluded illnesses / treatments with co-pay or deductible. Expenses of organ
donors are being covered. AYUSH treatment expenses are being reimbursed. There is coverage for infertility. Add-
ons for adventure sports and cover against terrorist activities are being offered in certain cases. Cover is also being
offered for non medical expenses. Bariatric surgery which was hitherto excluded is being covered by some. Support
items such as artificial limbs are also being covered under some policies. Convalescence / Recovery benefit is yet
another benefit that is being covered. Several other new covers are being offered. For instance, Maternity cover
which earlier used to be offered only under group policies is being offered under some Individual covers. Automatic
cover is offered for new born in some cases. Cover for vaccinations is also offered as per the National Immunization
Programme. Daily hospital cash has become quite a popular design where the cover is extended world-wide as well.
Today, there are specific covers for diabetes and hypertension. Outpatient Covers are being introduced in many.
Coverage for air ambulance is yet another innovation. Cover for second medical opinion, cover for expenses of
accompanying persons etc are also becoming common. There are covers for expenses towards domestic help for
daily living in case of disablement due to accident, covers for modifications for the disabled etc. Add-ons including
education benefit for children etc are also being introduced. Health covers are also available in package and combi
forms for convenience of customers. One other noticeable innovation has been expanded geographies for coverage
quite a few covers are being offered worldwide now.
Many insurers are also offering Wellness Programme or Value Added Service in their products as an additional/
optional benefit. While different insurers have different designs, the primary objective is to increase the engagement
and participation of the insured to improve his/her health, so that the incidence and severity of claim can be reduced
in the long run. Wellness benefits may include credit for undertaking wellness activities such as regular gym activity,
online health risk assessment, preventive risk assessment etc. Preventive healthcare is becoming a commonly
offered benefit free health check up for instance, irrespective of claim experience. Some of the other wellness
related benefits include vaccination for children up to 12 years, disease / chronic condition management services etc.
The latest regulatory initiatives (enunciated in IRDAI Health Insurance Regulations, 2016) facilitate innovation.
The regulations offer a framework for wellness and preventive aspects keeping in view the interest of policyholders.
These have been supplemented with certain guidelines which form part of the Standardization Guidelines in Health
Insurance, 2016. The introduction of the concept of pilot product offers scope to insurers to try their hand at innovation
even while being transparent to the policyholder about the limited life of the product.

44
 ANNUAL REPORT 2015-16

TABLE I.51
TREND IN HEALTH INSURANCE(HI) PREMIUM OVER THE PAST FIVE YEARS
(` Crore)
Sectors 2011-12 2012-13 2013-14 2014-15 2015-16
Public Sector General Insurers 8015 9580 10841 12882 15591
(61%) (62%) (62%) (64%) (64%)
Private Sector General insurers 3445 4205 4482 4386 4911
(27%) (27%) (26%) (22%) (20%)
Stand-alone Health Insurers 1609 1668 2172 2828 3946
(12%) (11%) (12%) (14%) (16%)
Industry Total 13,069 15,453 17,495 20,096 24,448
Annual Growth Rate (In %) 18.5% 18.2% 13.2% 14.9% 21.7%
Note: Figures in the bracket indicate the market-share in total HI premium.

the share of Government sponsored health

CHART I.19 TREND IN HEALTH
INSURANCE PREMIUM insurance business in total health insurance
premium has come down from 17 percent in 2011-
12 to 10 percent in 2015-16. During the same period,
the share of group health insurance business (other
than Government business) remained stable at
around 46 percent. As such, it can be observed that,
while the share of group business remains stable,
the share of government business is declining.

In terms of actual amount of premium collected from

Government business, there is no significant
increase over the past five years. However, the
amount of premium collected from both individual
and group business (other than government) has
more than doubled during the same period.

Classification of Health Insurance Business:
I.4.6.2 Health insurance business can be classified
into Government Sponsored Health Insurance,
Group Health Insurance (Other than Government
Sponsored) and Individual Health Insurance. Among
these three classes of business, individual health
insurance business has reported noticeable increase
in its share in total health insurance premium over
the past five years, increasing from 37 percent in
2011-12 to 42 percent in 2015-16. On the other hand,
45
Number of policies issued & Number of persons
covered under Health insurance business:
I.4.6.3 During 2015-16, the general and health
insurance companies have issued around 1.18 crore
health insurance policies covering 35.90 crore
persons (2014-15: 28.8 crore) and registered a
growth of 24.65 percent in the number of persons
covered over the previous year. In terms of number
of persons covered under health insurance, three-
 ANNUAL REPORT 2015-16

TABLE I.52
CLASSIFICATION OF HEALTH INSURANCE PREMIUM
(` Crore)
Class of Business 2011-12 2012-13 2013-14 2014-15 2015-16
Government Sponsored Schemes including RSBY 2225 2348 2082 2474 2425
(17%) (15%) (12%) (12%) (10%)
Group Business (other than Government Business) 5948 7186 8058 8899 11621
(46%) (47%) (46%) (44%) (48%)
Individual Business 4896 5919 7355 8772 10353
(37%) (38%) (42%) (44%) (42%)
Grand Total 13,069 15,453 17,495 20,096 24,448
Note: Figures in bracket indicate the share of each class of business in total health insurance premium

CHART I.20 CLASSIFICATION OF HEALTH INSURANCE BUSINESS

(in terms of gross premium)

46
 ANNUAL REPORT 2015-16

TABLE I.53
NUMBER OF PERSONS COVERED UNDER HEALTH INSURANCE
(in Lakh)
Class of Business 2011-12 2012-13 2013-14 2014-15 2015-16
Government Sponsored Schemes including RSBY 1612 1494 1553 2143 2733
(76%) (72%) (72%) (74%) (76%)
Group (other than Govt. Business) 300 343 337 483 570
(14%) (17%) (15%) (17%) (16%)
Individual Business 206 236 272 254 287
(10%) (11%) (13%) (9%) (8%)
Grand Total 2118 2073 2162 2880 3590
Note: Figures in bracket indicate the share of each class of business in total number of persons covered.

CHART I.21
NUMBER OF PERSONS COVERED
SHARE OF DIFFERENT CLASS OF BUSINESS

47
 ANNUAL REPORT 2015-16

TABLE I.54:
CLASS OF BUSINESS WISE NET INCURRED CLAIMS RATIO
(In per cent)
Class of Business 2011-12 2012-13 2013-14 2014-15 2015-16
Government Sponsored Schemes including RSBY 90% 87% 93% 108% 109%
Group (other than Govt. Business) 100% 104% 110% 116% 120%
Individual Business 85% 83% 83% 81% 77%
Grand Total 94% 94% 97% 101% 102%

four th of the persons were covered under

government sponsored health insurance schemes CHART I. 22 NET INCURRED CLAIMS RATIO OF
and the balance one-fourth were covered by group HEALTH INSURANCE BUSINESS
and individual policies issued by general and health
insurers.

Trend in Net Incurred Claims Ratio

I.4.6.4 The trend of increase in Net Incurred claims

ratio (Net ICR) continued in 2015-16. The net ICR
was 94 percent for 2011-12 and 2012-13, 97 percent
in 2013-14,101 percent in 2014-15 and 102% in
2015-16.

Among the various classes of health insurance

business, the net ICR is particularly high for Group
Business (Other than Government) which was more
than 100 percent for each of the preceding five years,
consistently increasing over the same period. On
From the above table, we can observe that the net
the other hand, the net ICR of individual business is
ICR of public sector general insurers was more than
showing gradual decline from 85 percent in 2011-
100 percent for all the past five years. Besides, there
12 to 77 percent in 2015-16. With respect to
is sharp increase in the past two years. On the other
Government business, there is significant increase
hand, during the period under analysis, the net ICR
in net ICR as it went up from 90 percent during 2011-
of private sector general insurers and stand-alone
12 to 109 percent in 2015-16.

TABLE: I.55
SECTOR WISE NET INCURRED CLAIMS RATIO OF HEALTH INSURERS
Sectors 2011-12 2012-13 2013-14 2014-15 2015-16
Public Sector General Insurers 101% 103% 106% 112% 117%
Private Sector General Insurers 78% 78% 87% 84% 81%
Stand-alone Health Insurers 60% 61% 67% 63% 58%
Industry Average 93% 95% 97% 101% 102%

48
 ANNUAL REPORT 2015-16

TABLE I.56
NUMBER OF PERSONS COVERED UNDER
PERSONAL ACCIDENT INSURANCE BUSINESS
(In Lakhs)
Sectors 2011-12 2012-13 2013-14 2014-15 2015-16
Public Sector General Insurers 1578 1265 753 764 3609
Private Sector General insurers 456 698 972 2437 826
Stand-alone Health Insurers 18 21 21 30 38
Total Industry 2052 1984 1746 3231 4473

TABLE I.57
SECTOR -WISE PERSONAL ACCIDENT INSURANCE PREMIUM
(` Crore)
2011-12 2012-13 2013-14 2014-15 2015-16
Public Sector General Insurers 682 650 614 708 879
(49%) (41%) (36%) (33%) (34%)
Private Sector General insurers 672 919 1,060 1351 1561
(49%) (57%) (61%) (63%) (60%)
Stand-alone Health Insurers 34 40 55 94 170
(2%) (2%) (3%) (4%) (6%)
Grand Total 1,388 1,609 1,729 2,153 2,610
Note: Figures in bracket indicate the share of different sectors in the total premium

health insurers were in the region of 80 percent and
60 percent respectively.
Personal Accident Business:
I.4.6.5 During 2015-16, the Insurance industry has
covered a total of 44.73 crore persons under
Personal Accident Insurance. It includes 25.75 crore
numbers of persons covered under Pradhan Mantri
Jan-Dhan Yojana (PMJDY) Scheme by New India
Assurance Company Ltd.
During the FY 2015-16, the gross premium income
from Personal Accident insurance business was
` 2610 crore, growing at the rate of 21 percent over
the previous year. While private sector general
insurers have contributed 60 percent of total
premium, public sector general insurers contributed
34 percent of premium and the rest 6 percent was
contributed by the stand-alone health insurers. The
ICR for this line of business was 62.24 percent for
FY 2015-16.
Overseas Travel Insurance
I.4.6.6 During 2015-16, the insurance sector has
issued 22.39 lakh overseas travel insurance policies
covering 39.29 lakh persons. The Gross Premium
income from Overseas Travel Insurance business
for FY 2015-16 was ` 536 crore. The same was Rs.
465 crore during the previous FY 2014-15. The
Incurred Claims Ratio (ICR) for this line of business
was 54.1 percent for the FY 2015-16.
In this line of business, private general insurers are
major players with a market share of 87 percent in
gross premium. Public sector general insurers and
stand alone health insurers contributed a share of
6% and 7% respectively in total gross premium.
Among the private general insurers, three

49
 ANNUAL REPORT 2015-16

TABLE I.58:
SECTOR WISE OVERSEAS TRAVEL INSURANCE PREMIUM
(` Crore)
Sector 2011-12 2012-13 2013-14 2014-15 2015-16
Public Sector General Insurers 30 43 46 41 32
(9%) (11%) (10%) (9%) (6%)
Private Sector General insurers 295 325 393 403 467
(86%) (84%) (86%) (86%) (87%)
Stand-alone Health Insurers 17 19 18 21 37
(5%) (5%) (4%) (5%) (7%)
Grand Total 342 387 457 465 536
Note: Figures in bracket indicate the share of different sectors in the total premium

companies namely Tata AIG (29 percent market
share), Bajaj Allianz (21 percent) and ICICI Lombard
(15 percent) contributed two-thirds of total gross
premium.
Domestic Travel Insurance
insurance policies covering 22.57 lakh individuals.
The ICR for this line of business was 2.14 percent
for FY 2015-16.
State-wise distribution of health insurance
business

I.4.6.7 The gross premium income from Domestic
Travel insurance business was ` 21.80 crore during
2015-16, registering a growth of 35.77 percent over
the previous year 2014-15. While none of the stand-
alone health insurers sell domestic travel insurance
policies, this line of business has been generated
only by six private general insurers and one public
sector insurer namely National Insurance company.
Two private insurers namely ICICI Lombard and
TATA AIG hold major market share in this line of
business at 64 percent and 32 percent respectively.
During 2015-16, the industry has issued 21.08 lakh
I.4.6.8 State-wise distribution of health insurance
business has shown a much skewed distribution of
health insurance business across various States &
Union territories of India. While five states namely
Maharashtra, Tamil Nadu, Karnataka, Delhi UT and
Gujarat contributed 69 percent of the total health
insurance premium, the rest 31 States/UTs
contributed 31 percent of the total Health insurance
premium. The state of Maharashtra alone
contributed ` 7715 crore (32 percent) of total health
insurance premium. On the other hand, the health
insurance premium from the 8 sister States of North

TABLE I.59
SECTOR WISE DOMESTIC TRAVEL INSURANCE GROSS PREMIUM
(` Crore)
Sector 2011-12 2012-13 2013-14 2014-15 2015-16
Public Sector General Insurers 0.03 0.04 0.03 0.01 0.002
Private Sector General Insurers 14.22 15.43 12.32 16.05 21.80
Stand-alone Health Insurers 0.0 0.0 0.0 0.0 0.00
Grand Total 14.25 15.47 12.35 16.06 21.80

50
 ANNUAL REPORT 2015-16

TABLE I.60
SHARE OF TOP 5 STATES IN HEALTH INSURANCE PREMIUM FOR 2015-16
STATE /UT Group Business Government Business Individual Total HI
(Other than RSBY (Only of RSBY & Business Business
& Govt Sponsored Other Govt.
Schemes) Sponsored Schemes)
Amount % age Amount in % age Amount in % age Amount in % age
in share ` Crore share ` Crore share ` Crore share
` Crore in All-India in All-India in All-India in All-India
Premium Premium Premium Premium
Maharashtra 4251 37% 756 31% 2708 26% 7715 32%
Tamil Nadu 1694 15% 555 22% 859 8% 3107 13%
Karnataka 2064 18% 44 2% 587 6% 2695 11%
Delhi 915 8% 0 0% 1061 10% 1976 8%
Gujarat 149 1% 35 1% 1276 12% 1461 6%
Rest of India 2548 21% 1084 44% 3862 38% 7494 30%
All India Total 11621 100% 2474 100% 10353 100% 24448 100%
Note : Ranking of states is done on the basis of Total Health Insurance premium

share of total health insurance premium at 33

CHART I.23 SHARE OF STATES IN HEALTH
INSURANCE PREMIUM FY 2015-16 percent. Their share in individual health insurance
premium was still higher at 70 percent.

Direct sales other than online is the second major

channel for distribution of health insurance business.
This channel contributed 28 percent in total health
insurance premium. The share of this channel was
very high at 43 percent in group health insurance
premium.

Another important channel for distribution of health

insurance business is Brokers, who contributed 24
percent of the total health insurance premium. Here
again, the share of Brokers was high at 39 percent
in group health insurance premium.

Bancassurance contributed 7 percent of total health

Eastern India (including the state of Sikkim) was insurance premium and online sale of health
only ` 195 crore (0.80 percent) for 2015-16. insurance policies contributed 2 percent of total
Channel wise distribution of Health insurance health insurance premium.
premium

I.4.6.9 Among the various channels of distribution,

individual agents continue to contribute a major

51
 ANNUAL REPORT 2015-16

TABLE I.61
SHARE OF VARIOUS CHANNELS OF DISTRIBUTION - NUMBER OF POLICIES ISSUED AND
AMOUNT OF PREMIUM FOR FY 2015-16
Name of the Channel Individual Group Total
Business Business (Individual + Group)
No. of policies Gross No. of policies Gross No. of policies Gross
Issued Premium Issued Premium Issued Premium
Brokers 4% 4% 7% 39% 4% 24%
Corporate Agent - Banks 13% 11% 44% 4% 14% 7%
Corporate Agent - Other than Banks 3% 5% 11% 1% 3% 2%
Direct Sale - Online 2% 2% 2% 2% 2% 2%
Direct Sale - Other than Online 10% 8% 3% 43% 9% 28%
Individual Agents 69% 70% 33% 6% 68% 33%
Micro-insurance Agents 0.02% 0.00% 0.04% 0.00% 0.02% 0.00%
Web- aggregators 0.21% 0.23% 0.00% 0.00% 0.20% 0.10%
Others 0.01% 0.15% 0.03% 4.78% 0.01% 2.82%
Total of all channels 100% 100% 100% 100% 100% 100%

HEALTH INSURANCE CLAIMS DEVELOPMENT DURING 2015-16

TABLE I.62
CLAIMS HANDLED THROUGH TPAs
(Numbers in Actual)(Amount in ` Lakh)
Particulars Cashless Reimbursement Benefit Based Total
Number Amount Number Amount Number Amount Number Amount
Claims pending 2,26,249 61,678 1,34,950 81,439 197 38 3,61,396 1,43,155
at the beginning
of the period

New claims 35,31,858 10,46,203 30,76,073 9,98,477 1,416 418 66,09,347 20,45,098
registered during
the period

Claims settled
during the period 32,25,958 8,33,360 26,21,230 7,74,190 915 307 58,48,103 16,07,857

Claims
repudiated during
the period 2,30,002 1,13,816 4,13,060 1,77,451 591 122 6,43,653 2,91,390

Claims pending
at the end
of the year 3,02,147 88,995 1,76,733 84,113 107 26 4,78,987 1,73,135

52
 ANNUAL REPORT 2015-16

TABLE I.63
CLAIMS HANDLED DIRECTLY BY THE INSURERS
(Numbers in Actual)(Amount in ` Lakh)
Particulars Cashless Reimbursement Benefit Based Total
Number Amount Number Amount Number Amount Number Amount
Claims pending 1,36,067 18,256 67,942 42,290 2,050 5,058 2,06,059 65,604
at the beginning
of the period

New claims 16,62,818 3,14,607 9,10,272 3,83,734 32,114 18,275 26,05,550 7,16,616
registered during
the period

Claims settled 14,54,499 2,37,721 7,07,372 3,23,698 24,559 6,615 21,86,608 5,68,033
during the period

Claims 1,63,951 53,381 2,26,321 79,947 5,389 9,861 3,95,696 1,43,189

repudiated during
the period

Claims pending 1,80,435 25,647 44,521 43,863 4,216 6,886 2,29,303 76,397
at the end
of the year

TABLE I.64
CLAIMS HANDLED BOTH THROUGH TPAs AND IN-HOUSE
(Numbers in Actual)(Amount in ` Lakh)
Particulars Cashless Reimbursement Benefit Based Total
Number Amount Number Amount Number Amount Number Amount
Claims pending 362316 79934 202892 123729 2247 5096 567455 208759
at the beginning
of the period

New claims 5194676 1360811 3986345 1382211 33530 18693 9214897 2761715
registered during
the period

Claims settled 4680457 1071080 3328602 1097888 25474 6922 8034711 2175890
during the period

Claims 393953 167197 639381 257398 5980 9983 1039349 434579

repudiated
during the period

Claims pending 482582 114643 221254 127977 4323 6912 708290 249532
at the end
of the year

53
 ANNUAL REPORT 2015-16

DETAILS OF CLAIMS AGING - SETTLEMENT OF CLAIMS 2015-16

TABLE I.65
CLAIMS HANDLED THROUGH TPAs
(Number in Actual)(Amount in ` Lakh)
Time Taken Cashless Reimbursement Benefit Based Total
Number Amount Number Amount Number Amount Number Amount
< 1 Month 27,05,759 6,62,435 20,21,775 5,19,587 597 125 47,28,131 11,82,147
1 to 3 months 4,35,985 1,49,349 4,04,534 1,77,382 201 82 8,40,720 3,26,814
3 to 6 months 67,117 16,943 1,39,397 49,196 57 31 2,06,571 66,170
6 to 12 months 14,567 3,255 46,934 16,445 38 40 61,539 19,740
1 to 2 years 2,096 632 6,734 10,514 15 22 8,845 11,168
2 years 434 746 1,856 1,066 7 7 2,297 1,818
Total 32,25,958 8,33,360 26,21,230 7,74,190 915 307 58,48,103 16,07,857

TABLE I.66
CLAIMS HANDLED BY THE INSURERS BY THE INSURERS IN-HOUSE
(Number in Actual)(Amount in ` Lakh)
Time Taken Cashless Reimbursement Benefit Based Total
Number Amount Number Amount Number Amount Number Amount
< 1 Month 14,14,423 2,30,873 5,96,769 2,62,387 23,625 5,236 20,34,997 4,98,495
1 to 3 months 29,142 5,415 66,504 31,735 752 1,131 96,398 38,281
3 to 6 months 699 883 35,206 17,116 126 216 36,031 18,214
6 to 12 months 10,166 347 5,587 6,021 35 27 15,786 6,396
1 to 2 years 36 191 1,867 5,529 8 1 1,911 5,721
2 years 33 11 1,439 911 12 5 1,484 926
Total 14,54,499 2,37,721 7,07,372 3,23,698 24,559 6,615 21,86,608 5,68,033

TABLE I.67
CLAIMS HANDLED THROUGH BOTH TPAs AND IN-HOUSE
(Number in Actual)(Amount in `Lakh)
Time Taken Cashless Reimbursement Benefit Based Total
Number Amount Number Amount Number Amount Number Amount
< 1 Month 4120182 893308 2618544 781973 24222 5361 6763128 1680642
1 to 3 months 465127 154765 471038 209117 953 1213 937118 365095
3 to 6 months 67816 17826 174603 66311 183 247 242602 84384
6 to 12 months 24733 3602 52521 22466 73 67 77325 26136
1 to 2 years 2132 823 8601 16043 23 23 10756 16889
2 years 467 756 3295 1976 19 11 3781 2744
Total 4680457 1071080 3328602 1097888 25474 6922 8034711 2175891

54
 ANNUAL REPORT 2015-16
CHART I.24 CONTRIBUTION OF VARIOUS
CHANNELS IN HEALTH INSURANCE PREMIUM
Claims Development & Aging during 2015-16
The following are the observations from the analysis
of tables I.62, I.63 and I.64:-
During the FY 2015-16, the general insurance
and stand alone health insurance companies
have settled 80.35 lakh health insurance
claims and paid ` 21,759 crore towards claims.
In terms of number of claims settled, 73
percent of the claims were settled through
TPAs and the balance were settled through
in-house.
In terms of mode of settlement of claims, 58
percent of the total claims were settled by
cashless mode. The remaining 42 percent of
the claims are settled through reimbursement
mode.
During the year, insurers have settled 82.13
percent of claims registered and have
repudiated 10.62 percent of the number of
claims registered. The balance 7.25 percent
were pending for settlement as at 31st March
2016.
55
TABLE I.68
LIST OF TPAs AS ON 31ST MARCH 2016
Sl. No. Name of TPA
1 United Healthcare Parekh TPA Pvt. Ltd.
2 Medi Assist India TPA Pvt. Ltd.
3 MD India Healthcare (TPA) Services (Pvt.) Ltd.
4 Paramount Health Services & Insurance TPA Pvt. Ltd.
5 E Meditek (TPA) Services Ltd.
6 Heritage Health TPA Pvt. Ltd.
7 Focus Health Services TPA Pvt. Ltd.
8 Medicare TPA Services (I) Pvt. Ltd.
9 Family Health Plan (TPA) Ltd.
10 Raksha TPA Pvt. Ltd.
11 Vidal Health TPA Private Limited
12 Anyuta TPA in Healthcare Pvt. Ltd.
13 East West Assist TPA Pvt. Ltd.
14 Med Save Health Care TPA Ltd.
15 Genins India TPA Ltd.
16 Alankit Health Care TPA Limited
17 Health India TPA Services Private Limited
18 Good Health TPA Services Ltd.
19 Vipul Med Corp TPA. Pvt. Ltd.
20 Park Mediclaim TPA Private Ltd.
21 Safeway TPA Services Pvt. Ltd
22 Anmol Medicare TPA Ltd.
23 Dedicated Healthcare Services TPA (India)
Private Limited
24 Grand Health Care TPA Services Private Limited
25 Rothshield Healthcare (TPA) Services Limited
26 Happy Insurance TPA Pvt. Ltd.
27 Ericson Insurance TPA Pvt. Ltd.
28 Health Insurance TPA of India Ltd.
TABLE I.69
LIST OF TPAs REGISTRATIONS
RENEWED DURING 2015-16
Sl.No. Name of TPA
1 Good Health TPA Services Ltd.
2 Genins India TPA Ltd.
3 Dedicated Healthcare Services TPA Pvt. Ltd.
4 Health India TPA Services Private Limited
5 East West Assist TPA Pvt. Ltd.
6 Anyuta TPA in Healthcare Pvt. Ltd.
7 Grand Healthcare Services TPA Pvt. Ltd.
 ANNUAL REPORT 2015-16

The following is the analysis of tables I.65, I.66 and TABLE I.70
I.67:- DETAILS OF TPAs WHOSE RENEWAL
While Insurers have settled 93 percent of the CERTIFICATE OF REGISTRATION WAS
claims registered within one month TPAs have REJECTED DURING FY 2015-16
settled 81percent within the same period. S. No. Name of TPA

Only in 0.18 percent of the cases, claims were 1 Sri Gokulam Health Services TPA (P) Ltd.
settled with a delay of more than one year. 2 Spurthi Meditech TPA Solutions Pvt. Ltd.

I.4.6.10 Functioning of TPAs registrations renewed by the Authority during 2015-

16 are given in Table No. I.69 The Authority rejected
As at 01st April, 2015 there were 30 TPAs registered
the renewal applications of 2 TPAs and the
by IRDAI while as at 31st March, 2016 there were
particulars are giving in Table No. I.70 The TPAs
28 TPAs. During the year 2015-16, no Certificate of
expanded the network of the hospitals by adding
Registration was granted to any new TPA. The list of
new hospitals to their networks as specified at Table
TPAs registered with the Authority as at 31st March
No. I.71.
2016 is given in Table No.1.68. The list of TPA

TABLE I.71: NETWORK PROVIDERS ENGAGED BY TPAS DURING FY 2015-16

Sl. Name of the TPA No.of No.of No.of * Total No.of
No Hospitals Hospitals Hospitals Hospitals
in the added to withdrawn/ in the
Network the removed from Network
at the Network Network at the end
beginning during during of the year
of the year the year the year
1 Alankit Health Care TPA Ltd. 4081 0 0 4081
2 Anmol Medicare TPA Ltd. 453 0 0 453
3 Anyuta TPA in Health Care Pvt. Ltd. 210 133 0 343
4 Dedicated Healthcare Services TPA (India) Pvt. Ltd. 3524 4294 118 7700
5 E Meditek (TPA) Services Ltd. 5418 255 154 5519
6 East West Assist TPA Pvt. Ltd. 4145 50 39 4156
7 Ericson TPA Healthcare Pvt. Ltd. 3493 444 1 3936
8 Family Health Plan (TPA) Ltd. 4563 512 420 4655
9 Focus Health Services TPA Pvt. Ltd. 1599 0 74 1525
10 Genins India TPA Ltd. 3842 225 44 4023
11 Good Health TPA Servies Ltd. 4687 194 9 4872
12 Grand Health Care TPA Services Pvt Ltd 1682 82 0 1764
13 Happy Insurance TPA Services 1327 28 0 1355
14 Health India TPA Pvt. Ltd. 4114 267 51 4330
15 Heritage Health TPA Pvt. Ltd. 4031 1588 402 5217
16 MD India Healthcare Services (TPA) Pvt. Ltd. 9395 1432 1735 9092
17 Med Save Health Care TPA Ltd. 6833 1312 1812 6333
18 Medi Assist India TPA Pvt. Ltd. 5394 541 199 5736
19 Meidcare TPA Services (I) Pvt. Ltd. 4396 438 256 4578
20 Paramount Health Services (TPA) Pvt. Ltd. 10646 1302 252 11696
21 Park Mediclaim TPA Pvt Ltd 1889 56 9 1936
22 Raksha TPA Pvt. Ltd. 3367 1203 72 4498
23 Rothshield Healthcare (TPA) Services Ltd 2953 76 0 3029
24 Safeway TPA Services Pvt. Ltd 4271 215 42 4444
25 Vidal Health TPA Pvt. Ltd. 6146 258 73 6331
26 United Healthcare Parekh TPA Pvt. Ltd. 4050 493 72 4471
27 Vipul Med Corp TPA Private Ltd. 7676 1543 143 9076
28 Health Insurance TPA of India Ltd. 1411 102 114 1399
* Hospitals may have tied up with more than one TPA

56
 ANNUAL REPORT 2015-16
I.4.7 Business in the Rural and Social Sector
I.4.7.1 The Regulations applicable for the obligations
of the insurers towards rural and social sector
(Regulations, 2002) stipulated targets to be fulfilled
by insurers on an annual basis. In terms of these
regulations, insurers are required to cover year wise
prescribed targets (i) in terms of number of lives
under social obligations; and (ii) year wise prescribed
targets in terms of percentage of policies to be
underwritten and percentage of total gross premium
income written direct by the life and non-life insurers
respectively under rural obligations. The regulations
require insurers to underwrite business in these
segments based on the year of commencement of
their operations and the applicable targets are linked
to the year of operations of each insurer. For meeting
these obligations, the regulations further provide
that, if an insurance company commences
operations in the second half of the financial year
and is in operations for less than six months as at
31st March of the relevant financial year (i) no rural
or social sector obligations shall be applicable for
the said period; and (ii) the annual obligations as
indicated in the Regulations shall be reckoned from
the next financial year which shall be considered as
the first year of operations for the purpose of
compliance. In cases where an insurance company
commences operations in the first half of the financial
year, the applicable obligations for the first year shall
be 50 per cent of the obligations as specified in these
Regulations.
Fulfilment of obligations Life Industry
During the last 5 years, all the life insurers (both
public and private sectors) have fulfilled the
obligations prescribed for the rural sector. Only one
insurer for FY 2012-13 and two insurers for FY 2013-
14 failed to fulfil the obligations prescribed for the
Social Sector against whom regulatory action is
initiated.
Rural Sector Obligations
I.4.7.2 During 2015-16, all the twenty three private
sector life insurance companies had fulfilled their
57
rural sector obligations. The number of policies
underwritten by them in the rural sector as a
percentage of the total policies underwritten in the
year 2015-16 was as per the obligations applicable
to them.
I.4.7.3 The lone public sector insurer, Life Insurance
Cor poration of India was compliant with its
obligations in the rural sector for 2015-16.
I.4.7.4 The life insurers underwrote 68.99 lakh
policies in the rural sector, viz., 25.8 percent of the
new individual policies (267.08 lakh policies)
underwritten by them in 2015-16. LIC underwrote
25.70 per cent of the new policies and private
insurers underwrote 26.3 per cent of their new
individual policies in the rural sector.
Social Sector Obligations
I.4.7.5 All the 23 private life insurers had fulfilled
their social sector obligations during 2015-16. The
number of lives covered by them in the Social Sector
was above stipulations in the IRDA (Obligations of
Insurers to Rural or Social Sectors) Regulations
2002.
I.4.7.6 LIC was compliant with its social sector
obligations, having covered more number of lives
(226.04 lakhs) than the prescribed number as
obligations for 2015-16. Private Life insurers had
covered 111.13 lakh social lives.
Obligations of non-life insurers
I.4.7.7 All the Public and Private sector Insurers
complied with Rural and Social Sector Obligations
for the year 2015-16.
I.4.7.8 Rural and Social Sector Obligations of
Stand-alone health Insurers
All the five stand alone health insurance companies
were compliant with their rural and social sector
obligations during the financial year 2015-16.
 ANNUAL REPORT 2015-16

TABLE I.72
DETAILS OF COMPLIANCE OF STAND-ALONE HEALTH INSURERS IN RURAL &
SOCIAL SECTOR OBLIGATIONS DURING FY 2015-16.
Insurer No of completed Rural Sector Obligations Social Sector Obligations
years (% of GDP) (No of lives)
Target Acht. Complied Target Acht. Complied
(Yes/No) (Yes/No)
Apollo Munich 8 6% 6.30% Yes 35,000 37,392 Yes
Cigna TTK 2 3% 6.44% Yes 7,500 8,463 Yes
Max Bupa 6 5% 6.36% Yes 25,000 197,186 Yes
Religare 4 5% 5.52% Yes 15,000 86,265 Yes
Star Health 10 7% 12% Yes 55,000 1,240,551 Yes

TABLE: I.73
NON-LIFE INSURERS( EXCLUDING STANDALONE AND SPECIALISED INSURERS)
RURAL OR SOCIAL SECTOR BUSINESS AS AT 31.03.2016
Insurer Rural Sector (Gross Direct Premium) Social Sector ( No. of Lives)
Target (%) Total GDP GDP in Achievement 2015-16 Achievement
2015-16 (` Lakh) rural sector ( %) (Target)
(` Lakh)
Royal Sundaram 7.00 169412 13403 7.91 55000 109481
TATA AIG 7.00 295856 39059 13.20 55000 1667299
Reliance 7.00 279156 27118 9.71 55000 282212
IFFCO Tokio 7.00 369133 41042 11.12 55000 3423261
ICICI Lombard 7.00 809071 72907 9.01 55000 233707
Bajaj Allianz 7.00 583215 43129 7.40 55000 557701
HDFC ERGO 7.00 337955 29733 8.80 55000 78790
Cholamandalam 7.00 245200 30980 12.63 55000 701949
Future Generali 6.00 158239 38201 24.14 35000 519339
Universal Sompo 6.00 90379 23234 25.71 35000 4705218
Shriram General 6.00 171227 13284 7.76 35000 35988
Bharti Axa 6.00 127442 7876 6.18 35000 42110
Raheja QBE 5.00 2876 271 9.43 25000 35497
SBI General 5.00 203985 71135 34.87 25000 1990474
L&T General 5.00 47339 2907 6.14 20000 609028
Liberty Videocon 5.00 40872 2138 5.23 10000 10000
Magma HDI 5.00 40394 23153 57.32 10000 87337
KotakMahindra 0.00 371 0 NA 0 NA
Private Total 39,71,749 4,79,570 12.07 6,70,000 150,89,391
New India 7.00 1514951 246615 16.28 168,70,908 741,61,700
National 7.00 1209081 94593 7.82 2319041 2646194
United India 7.00 1225036 161218 13.16 684489 56974548
Oriental 7.00 831473 113092 13.60 665500 40873981
Public Total 4780541 615517 12.88 20539938 174656423
GRAND TOTAL 8752291 1095087 12.51 21209938 189745814

58
 ANNUAL REPORT 2015-16
I.4.8 FINANCIAL REPORTING AND ACTUARIAL
STANDARDS
Appointed Actuary System
I.4.8.1 The Appointed Actuary system is in place for
more than a decade in Indian Insurance Industry.
Every Insurer is required to appoint an actuary
known as Appointed Actuary. The Appointed Actuary
is responsible for rendering actuarial advice to the
management of the insurer, in particular in the areas
of product design and pricing. Insurance contract
wording, investments and reinsurance; ensuring
solvency of the company and complying with the
Authoritys directions from time to time. The
Appointed Actuary has access to all the information
or documents in possession or under control of the
insurer if such access is necessary for the proper
and effective performance of the functions and duties
of the Appointed Actuary.
I.4.9 ANTI-MONEY LAUNDERING/ COUNTER
FINANCE OF TERRORISM (AML/CFT)
PROGRAMME
AML/CFT GUIDELINES
I.4.9.1 Empowered by the Prevention of Money
Laundering Act (PMLA) and the rules framed there
under, the AML/CFT guidelines (the guidelines) to
the insurance sector were first issued in March 2006.
Since then the insurance sector has been working
towards an effective AML/CFT regime in India. The
guidelines emphasize the impor tance of the
customer due diligence processes, reporting
obligations and record keeping requirements as
required under the PMLA.
I.4.9.2 Insurers have laid down systems and
processes towards implementation of various
requirements under the broad oversight of their
Board through the audit committee. There is a
59
regular review of the effectiveness of the systems
through the insurers internal audit/inspection
departments. Compliance with the guidelines is also
monitored by IRDAI through both on-site and off-
site processes.
Cash Acceptance Threshold
I.4.9.3 The insurance sector is very similar to the
banking sector in that both are vehicles and
instrumentalities for encouraging savings amongst
the people in the country. The insurance laws in the
country also mandate that a certain proportion of
every companys business must emanate from the
rural sector. Given the vast number of villages in
India, compared to which the spread of banks is
limited, to remove the hindrances posed by the
restrictions on acceptance of cash, the IRDAI had
aligned the stipulation with that prevalent in the
banking sector. This was also aimed at encouraging
insurance companies to tap rural business
effectively, consequently improving on insurance
penetration and density.
I.4.9.4 The requirement was also in line with the
CBDT notification S.O. 1214 (E) dated 26th May,
2011 amending Rule 114B of the Income-tax Rules,
1962, inserting clause (q) which requires every
person to quote his permanent account number
(PAN) in all documents pertaining to the transactions
where there is a payment of an amount aggregating
to fifty thousand rupees or more in a year as life
insurance premium to an insurer as defined in clause
(9) of section 2 of the Insurance Act 1938 (4 of 1938).
I.4.9.5 In order to have tighter controls as regards
acceptance of premium in cash, the IRDAI has
mandated stringent controls like the requirement of
verification of the PAN number so obtained from the
customer. Insurers are also required to lay down
proper mechanisms to check any kind of attempts
 ANNUAL REPORT 2015-16
to avoid disclosure of PAN details. In case of possible
attempts to circumvent the requirements, insurers
are directed to report the same as suspicious activity
to Financial Intelligence Unit India (FIU-IND).
AML/CFT guidelines applicable to non-life
insurance companies
I.4.9.6 Considering the fact that AML/CFT
requirements applicable to non-life insurance
companies differ from those applicable to life
insurance companies, the guidelines have been
modified to meet the nuances of typical
characteristics of the non-life insurance business.
Various related aspects were widely deliberated with
all the non-life insurance companies through the
General Insurance Council. A consolidated circular
on various stipulations/requirements of AML/CFT
framework, as applicable to non-life insurance
companies, was issued in February 2013. Through
this circular, insurers have been advised to apply
the AML/CFT requirements based on their risk
assessment of each of the products profile. The
earlier exemption given to standalone medical and
health insurance policies now stands withdrawn.
Revision of AML/CFT Guidelines for Life Insurers
I.4.9.7 Pursuant to amendment of PML
(Maintenance of Records) Rules, 2005 in 2013 by
Central Government, IRDAI Master Circular on AML/
CFT issued in 2010 for Life Insurers was revised in
line with amendments. The revised draft Master
Circular was circulated to Life Insurance Council,
Life Department and FIU-IND for comments. Based
on the comments received the draft Master Circular
was finalized. The Master Circular was issued on
28.09.2015
International Cooperation/Information Sharing
I.4.9.8 Post Indias membership into the Financial
Action Task Force (FATF) in June 2010, India has
60
been working on the Action Plan committed to FATF
Secretariat. The IRDAI has accomplished various
action points committed. Effective May 2013, IRDAI
is a signatory to the Multilateral Memorandum of
Understanding (MMOU) of International Association
of Insurance Supervisors (IAIS) which provides an
international platform for cooperation and sharing
of information. Further, the IRDAI (Sharing of
Confidential Information Concerning Domestic or
Foreign Entity) Regulations, 2013 are in place which
provides for the manner in which / bodies with which
confidential information can be shared with other
regulatory bodies.
Coordination with various agencies/
departments
I.4.9.9 IRDAI is in active coordination with various
agencies/depar tments in ensuring effective
implementation of AML/CFT regime in India and is
par t of the Working Group for National Risk
Assessment (NRA) on AML/CFT constituted by the
Department of Revenue. IRDAI is also part of the
Core Working Group (CWG) constituted by the
Department of Economic Affairs (FATF Cell) for
implementation of revised recommendations of
FATF.
I.4.9.10 In addition, the IRDAI is also actively
associated with the Eurasian Group on Combating
Money Laundering and Financing of Terrorism
(EAG), a FATF style regional body. The IRDAI had
actively participated in the 17th EAG Plenary and
Working Group meetings held in New Delhi in
November 2012 and the project of best practices
paper on information exchange has been assigned
to India.
I.4.9.11 IRDAI has initiated regular interaction with
the Financial Intelligence Unit-India (FIU-IND) and
actively took part in the working group constituted
 ANNUAL REPORT 2015-16

with industry representatives on finalization of report I.4.10 CROP INSURANCE

on the Red Flag Indicators for Insurance Sector.
I.4.10.1 National Crop Insurance Programme
IRDAI is also part of the Department of Financial
(NCIP)
Services, initiative of building Central KYC Registry.
The most important change is the introduction of
I.4.9.12 IRDAI and FIU-IND signed a Memorandum
NCIP from 1st November 2013 consequent to the
of Understanding (MoU) on Mutual Cooperation on
withdrawal of NAIS. NCIP has three component
29th January 2014 as part of continued coordinated
Schemes viz. Modified National Agriculture
efforts in effective implementation of requirements
Insurance Scheme (MNAIS), Weather Based Crop
of the Prevention of Money Laundering Act and the
Insurance Scheme (WBCIS) and Coconut Palm
rules framed thereunder.
Insurance Scheme (CPIS).
According to the MoU, IRDAI and FIU-IND will
PRADHAN MANTRI FASAL BIMA YOJANA
cooperate with each other in areas of mutual interest
(PMFBY):
including the following:
I.4.10.2 The Scheme has been introduced from
a) Sharing of intelligence and information
Kharif 2016 replacing National Agriculture Insurance
available in their respective databases.
Scheme (NAIS) and Modified National Agriculture
b) Laying down procedure and manner in which Insurance Scheme (MNAIS) and is being
the reporting entities report to FIU-IND under implemented by AIC and 15 other insurance
the PML (Maintenance of Records) Rules. companies.

c) Conducting outreach and training for reporting PMFBY aims at supporting sustainable production
entities. in agriculture sector by way of

d) Upgradation of AML/CFT skills reporting providing financial support to farmers suffering

entities regulated by IRDAI. crop loss/damage arising out of unforeseen
events
e) Assessment of Anti-Money laundering/
Combating Financing of Terrorism (AML/CFT) stabilizing the income of farmers to ensure
risks and vulnerabilities in the insurance their continuance in farming
sector.
encouraging farmers to adopt innovative and
f) Identification of red flag indicators for modern agricultural practices
Suspicious Transaction Reports (STRs) in the
ensuring flow of credit to the agriculture
insurance sector.
sector; which will contribute to food security
g) Supervising and monitoring the compliance
crop diversification and enhancing growth and
of reporting entities with their obligations under
competitiveness of
PMLA.
agriculture sector besides protecting farmers
h) Compliance with each others obligations
from production risks.
under the relevant international standards.

61
 ANNUAL REPORT 2015-16
The Scheme is available to all the farmers both,
loanee and non loanee irrespective of the size of
their holding. The Scheme envisages coverage of
all crops including cereals, millets, pulses, oilseeds
and annual commercial and horticultural crops in
respect of which past yield data is available.
As per provisions of PMFBY, Insurance Unit for major
crops is village panchayat or other equivalent unit.
Premium rates are actuarial supported by up-front
subsidy in premium, Farmers would pay premium
of 2% in Kharif season, 1.5% in Rabi Season for
Food Crops and Oilseeds and 5% for Annual
Commercial Horticulture Crops. In case actuarial
premium is less than above premium, actuarial
premium will be paid by farmer. Balance between
actuarial and capped premium would be payable by
Centre and State govt. equally. District level crop
wise scale of finance would serve as basis of sum
insured at which three levels of Indemnity i.e. 70%,
80% and 90% would be applicable. Insurer is
responsible for the claims liabilities
The Scheme is implemented on an Area
Approach basis. The unit of insurance shall be
Village/Village Panchayat level for major crops
and for other crops it may be a unit of size above
the level of Village/Village Panchayat.
The Loss assessment for crop losses due to non-
preventable natural risks will be on Area
approach.
In case of majority of insured crops of a notified
area are prevented from sowing/planting the
insured crops due to adverse weather conditions
that will be eligible for indemnity claims up to
maximum of 25% of the sum-insured.
However losses due to localised perils
(Hailstorm, landslide & inundation) and Post-
Harvest losses due to specified perils, (Cyclone/
62
Cyclonic rain & Unseasonal rains) shall be
assessed at the affected insured field of the
individual insured farmer.
There will be a provision of on account claims in
case of adverse seasonal conditions during crop
season viz. floods, prolonged dry spells, severe
drought, and unseasonal rains.
On account payment up to 25% of likely claims will
be provided, if the expected yield during the season
is likely to be less than 50% of normal yield.
Weather Based Crop Insurance Scheme
(WBCIS):
I.4.10.3 Apart from the above two yield guarantee
insurance Schemes, the Government of India had
introduced another Pilot namely, Pilot Weather
Based Crop Insurance Scheme (WBCIS) with effect
from Kharif 2007, which became full-fledged
Scheme as a component of NCIP with its
introduction. The Scheme operates on an actuarial
basis with premium subsidy which ranges from 25%
to 50% equally shared by Centre and States. AIC
has since implemented the Scheme in various
States during all previous Kharif and Rabi seasons
star ting Kharif 2007. WBCIS is a parametric
insurance product designed to provide insurance
protection to the cultivator against adverse weather
incidence during the cultivation period, such as
deficit & excess rainfall, frost, heat (temperature),
relative humidity, wind speed etc., which are deemed
to adversely impact the crop yield.
I.4.10.4 Crops and Reference Unit Areas (RUA) are
notified before the commencement of the season
by the State Government Each RUA is linked to a
Reference Weather Station (RWS), on the basis of
which payout/ claims are processed. The payouts
are made on the basis of adverse variations in the
current seasons weather parameters as measured
 ANNUAL REPORT 2015-16
Table I.74
WEATHER BASED CROP INSURANCE SCHEME (WBCIS)
S.No. Season No. of Farmers Insured Sum Insured
1 Kharif 2012 3547463
2 Rabi 2012-13 3706835 *
3 Kharif 2013 5000339 *
4 Rabi 2013-14 1287898
5 Kharif 2014 2454658 *
6 Rabi 2014-15 326093
7 Kharif 2015 1654958
* (Updated figures)
at Reference Weather Station (RWS). Claim under
WBCIS is area based and automatic. The Company
insured more than 35 different crops including
perennial crops like Apple, Citrus crops, Grapes,
Mango, Pomegranate, Cashew nut, Oil palm, etc.
During Kharif 2014, the scheme was implemented
by AIC in 102 Districts across 14 and during Rabi
2014-15 in 88 Districts across 11 States.
I.4.10.5 During Kharif 2015 season, 0.17 crore
farmers were covered insuring - 0.23 crore hectare
with sum insured of `5075.63 crore with gross
premium of `507.73 crore. Since introduction as pilot
in Kharif 2007 to Kharif 2015, WBCIS covered about
3.62 crore farmersinsuring 4.86 crore hectare area
for sum insured of `69104.44 crore against premium
of `6527.90 crore. Claims amounting `5237.07 crore
became payable benefitting more than 228.35 lakh
farmers. From Kharif 2016 onwards, WBCIS will be
continued as restructured WBCIS wherein Farmers
Premium rate has been reduced to 1.5% to 2% for
FCOS and 5% for ACH crops keeping all other
parameters same.
63
(In ` lakh)
Premium Claims Reported
724009.97 72647.97 54751.16 *
646622.05 * 57562.06 * 77740.13
891262.43 89820.20 66692.59
311593.89 28610.78 29801.44 *
600656.92 * 62087.91 * 60645.91 *
57810.13 5763.48 7472.92
507562.59 50772.90 45536.60
Coconut Palm Insurance Scheme (CPIS):
I.4.10.6 AIC in collaboration with Coconut Board
designed Scheme for coconut i.e. Coconut Palm
Insurance Scheme (CPIS) is now a component of
NCIP. The Scheme is available to all Coconut
growing States/UTs in the country. Dwarf and Hybrid
coconut palms in age range of 4 to 60 year and Tall
variety coconut palms in age range of 7 to 60 year
are eligible for coverage. On premium, 50% subsidy
will be paid by Coconut Development Board (CDB)
and 25% by State Government concerned and
balance 25% of the premium will be paid by farmer
/ grower. In case, the State Government does not
agree to bear 25% share of premium, farmers /
growers will be required to pay 50% of premium, if
interested in insurance Scheme.
I.4.10.7 Besides the above, AIC has developed
various crop insurance products for risk mitigation
of various crops viz. Rainfall Insurance Scheme-
Coffee (RISC) in collaboration with Coffee Board,
Rubber Plantation Insurance, Bio-Fuel Plants
Insurance, Grapes Insurance, Mango Weather
Insurance, Potato Contract Farming Insurance,
Pulpwood Tree Insurance, Rabi Weather Insurance,
and VarshaBima / Rainfall Insurance.
 ANNUAL REPORT 2015-16

Table I.75
COCONUT PALM INSURANCE SCHEME (CPIS)
(In ` lakh)
S.No. Season No. of Farmers Insured Sum Insured Premium Claims Reported
1 2009-10 45 112.32 0.66 0.00
2 2010-11 35019 19904.24 106.08 30.26
3 2011-12 8454 5510.95 29.77 92.47
4 2012-13 12279 7843.90 40.57 77.27 *
5 2013-14 13970 8694.60 70.87 106.35 *
6 2014-15 2845 2500.56 17.60 30.75
7 2015-16 361 740.456 11.25 0.98
* (Updated figures)

I.4.11 Micro Insurance: has notified the Amended Regulations on 13th

March 2015 wherein it has permitted several more
I.4.11.1 In order to facilitate penetration of insurance
entities like District Co-operative Banks, Regional
to the lower income segments of population, IRDA
Rural Banks including Business Correspondents of
had formulated the micro insurance regulations.
Scheduled Commercial Banks to be appointed as
Micro Insurance Regulations, 2005 provide a
Micro Insurance agents facilitating better penetration
platform to distribute insurance products, which are
of Micro Insurance business.
affordable to the rural and urban poor and to enable
micro insurance to be an integral part of the countrys Life Insurance Sector
wider insurance system.
I.4.11.4 While the individual new business premium
I.4.11.2 The main thrust of micro insurance under the micro insurance segment for the year
regulations is protection of low income people with 2015-16 stood at `35.94 Crore under 9.15 lakh new
affordable insurance products to help cope with and policies, the group business premium amounted to
recover from common risks with standardized ` 302.43 crore covering 2.93 crore lives.
popular insurance products adhering to certain levels
LIC contributed to a significant component of the
of cover, premium and benefit standards. These
business procured in this portfolio by garnering
regulations allow Non Government Organizations
`19.54 crores of individual new business premium
(NGOs) and Self Help Groups (SHGs) to act as
under 4.5 lakh policies and ` 254.26 crore of group
agents to insurance companies in marketing the
premium covering 2.26 Crore lives.
micro insurance products and also allow both life
and non-life insurers to promote combi-micro I.4.11.5 The number of micro insurance agents at
insurance products (combination of different lines the end of March 2016stood at 27041; of which
of business). 18574 agents pertained to the LIC and the remaining
represented the private sector life insurers. 27 micro
I.4.11.3 The Authority undertook the review of the
insurance products of 13 life insurers were available
Micro Insurance Regulations, 2005
as at 31.3.2016. Of these 27products, 20 were
comprehensively. In this connection, the Authority

64
 ANNUAL REPORT 2015-16

Individual products and the remaining 7were Group correspondents, Primary Agricultural Cooperative
products. Societies and Other Cooperative Societies.

Non-life sector I.4.11.8 There are around fifty two products offered
by all registered non-life insurance companies
I.4.11.6 The Authority has reviewed the Micro
targeting low income segment of the population e.g.,
Insurance Regulations,2005 comprehensively and
Cattle Micro Insurance, Kisan Agriculture Pumpset
notified IRDAI(Micro Insurance) Regulations, 2015.
Micro Insurance Policy, Janata Personal Accident
Micro Insurance is the insurance provided through
Sukshma Bima Policy, Silkworm Sukshma Bima
the Micro Insurance Products which includes
Policy, Sheep & Goat Micro Insurance Policy,
general micro-insurance product. General Micro
Sampoorna Griha Suraksha Policy etc. Further,
Insurance Products cover health insurance contract,
General Insurance Policies issued to Micro, Small
any contract covering the belongings, such as, hut,
and Medium Enterprises as classified in MSMED
livestock or tools or instruments or any personal
Act, 2006 under various lines of General Insurance
accident contract, either on individual or group basis
business will also be qualified as general micro
with a Maximum Amount of Cover as Rupees one
insurance business upto Rs.10,000 premium p.a.
lakh and minimum and maximum term cover of one
per MSM enterprise.
year.
I.4.11.9 Micro Insurance being a low price-high
I.4.11.7 The Authority in order to propagate micro
volume business, its success and sustainability
insurance in various segments has permitted more
depends mainly on keeping the transactions costs
entities or individuals to be appointed as Micro
down. Section 32B and 32C of the Insurance Act,
Insurance Agents which include Non-Government
1938 and IRDAI(Obligations of insurers to rural and
Organisations (NGO), Self-Help Groups (SHG),
social sectors)2015, stipulate obligations to insurers
Micro-Finance Institution(MFI), RBI regulated NBFC-
in respect of rural and social sector, which have also
MFIs, District Cooperative Banks, Regional Rural
contributed a lot in development and promotion of
Banks, Urban Co-operative banks, Business
micro insurance products by insurers in India.

TABLE 1.76
NEW BUSINESS UNDER MICRO-INSURANCE PORTFOLIO FOR 2015-16
(Premium in ` lakh)
Insurer Individual Group
Policies Premium Schemes Premium Lives covered
Private Total 458655 1217.95 153 4816.67 6650805
LIC 452291 1953.78 4844 25426.39 22603919
Industry Total 910946 3171.73 4997 30243.06 29254724
Note: New business premium includes first year premium and single premium.

65
 ANNUAL REPORT 2015-16

TABLE I.77
MICRO-INSURANCE AGENTS OF LIFE INSURERS - 2015-16
Insurer As on Additions Deletions As on
1st April, 2015 31st March, 2016
Private Total 3382 6392 1307 8,467
LIC 19379 997 1802 18,574
Industry Total 22761 7389 3109 27,041

TABLE I.78
INDIVIDUAL DEATH CLAIMS UNDER MICRO- INSURANCE PORTFOLIO-- 2015-16
(Benefit Amount in ` Lakhs)
Life Insurer Total Claims Claims paid Claims repudiated / Claims pending
rejected at end of year
No of Benefit No of Benefit No of Benefit No of Benefit
Policies Amount Policies Amount Policies Amount Policies Amount
Private Total 4490 607.82 4427 483.33 63 124.60 0 0.12
98.60% 79.52% 1.40% 20.50% -0.02%
LIC 9749 1584.27 9632 1563.55 102 15.77 15 4.95
98.80% 98.69% 1.05% 1.00% 0.15% 0.31%
Industry Total 14239 2192.09 14059 2046.88 165 140.37 15 4.83
98.74% 93.38% 1.16% 6.40% 0.11% 0.22%
Note: The percentages indicate the share of the respective claims to the total claims

TABLE I.79
GROUP DEATH CLAIMS UNDER MICRO-INSURANCE PORTFOLIO -- 2015-16
(Benefit Amount in ` lakh)
Life Insurer Total Claims Claims repudiated Claims written Claims pending
Claims paid / rejected back at end of year
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit
Lives Amount Lives Amount Lives Amount Lives Amount Lives Amount
Private Total 14479 3305.00 14429 3290.91 43 11.69 0 0.00 7 2.40
99.65% 99.57% 0.30% 0.35% 0.05% 0.07%
LIC 117854 38123.00 117827 38111.30 26 11.40 0 0.00 1 0.30
99.98% 99.97% 0.02% 0.03% 0.00% 0.00%
Industry Total 132333 41428.00 132256 41402.21 69 23.09 0 0.00 8 2.70
99.94% 99.94% 0.05% 0.06% 0.01% 0.01%
Note: The percentages indicate the share of the respective claims to the total claims

66
 ANNUAL REPORT 2015-16

TABLE I.80
DURATION-WISE DEATH CLAIMS SETTLED IN MICRO-INSURANCE
INDIVIDUAL CATEGORY -- 2015-16
(No. of Policies)
Life Insurer Duration since intimation
Within 31 to 91 to 181 Days More than Total Claims
30 Days 90 Days 180 Days to 1 Year 1 Year Settled
Private Total 4155 237 35 0 0 4427
93.86% 5.35% 0.79% 0.00% 0.00% 100.00%
LIC 7127 2505 0 0 0 9632
73.99% 26.01% 0.00% 0.00% 0.00% 100.00%
Industry Total 11282 2742 35 0 0 14059
80.25% 19.50% 0.25% 0.00% 0.00% 100.00%
Note: The percentages indicate the share of the respective claims to the total claims

TABLE I.81
DURATION-WISE DEATH CLAIMS SETTLED IN MICRO-
INSURANCE GROUP CATEGORY - 2015-16
(No. of Lives)
Life Insurer Duration
Within 30 31 to 91 to 181 Days More than Total Claims
Days of 90 Days 180 Days to 1 Year 1 Year Settled
Intimation
Private Total 12871 1203 112 68 3 14257
90.28% 8.44% 0.79% 0.48% 0.02% 100.00%
LIC 117818 9 0 0 0 117827
99.99% 0.01% 0.00% 0.00% 0.00% 100.00%
Industry Total 130689 1212 112 68 3 132084
98.94% 0.92% 0.08% 0.05% 0.00% 100.00%
Note: The percentages indicate the share of the respective claims to the total claims

I.4.12 DIRECTIONS, ORDERS AND
REGULATIONS ISSUED BY THE AUTHORITY
I.4.12.1 The Authority issued a number of circulars,
directions and orders during 2014-15. The list of all
such circulars, directions and orders which were
issued during the period 1st April, 2015 to 31st March,
2016 are placed at Annexure No. 8. In addition, the
details of all regulations notified by the Authority till
31st March, 2016 are placed at Annexure No. 9.
I.4.13 Right to Information (RTI) Act, 2005
I.4.13.1 During the year 2015-16, the Authority
designated the officers shown in Table 1.69 below,
continued as the Central Public Information Officer
(CPIO) in terms of Section 5(1) of the RTI Act, 2005.
During the same period, Ms. Manju Arora, Sr.
Assistant Director designated as Central Assistant
Public Information Officer for its Delhi Office and
Shri Vikas Rane, Junior Officer, designated as

67
 ANNUAL REPORT 2015-16

Central Assistant Public Information Officer for its
Mumbai Office in terms of Section 5(2) of the RTI
Act, 2005 to discharge the functions assigned in
terms of the said section of the RTI Act 2005.
Fur ther, during the same period, Shri H
Ananthakrishnan, Joint Director (Legal), Shri G.
Mallikarjun, Officer on Special Duty (Legal Policy)
and Shri A. Ramana Rao, Joint Director were
designated as First Appellate Authorities in terms
of Section 19(1) of the RTI Act, 2005 to discharge
the functions assigned in terms of the said Section
of the RTI Act, 2005.

TABLE I.82
LIST OF CENTRAL PUBLIC INFORMATION OFFICERS
Sl. No. Department Name of the CPIO
1 Actuarial Mr. DNKLNK Chakravarthy
Mr. NSK Prabhakar
2 Life Mr. Chandrasekhar V
3 Non-life Mr. Venkata Raju K
4 Health including TPAs Mr. MD. Ayaz
5 Consumer Affairs Mr. R Pardhasaradhi
6 Admin/HR/Internal Accounts/Residual Matters Mr. Someswara Rao Busi
7 Intermediaries Mr. P Himakiran
Mr. B. S. Venkatesh
8 Agency Distribution Mr. Rajeshwar Gangula
Ms. P. Kanthisree
9 F & A (Life and Non-life) Mr. Ammu Venkata Ramana
Ms. Jamuna Choudhary
Mr. G. Sivaramakrishna
10 Internal Audit & Enforcement Mr. Biswajit Samaddar
11 Investments Mr. Biswajit Das
Mr. Prassad Rao K
12 Surveyors Mrs. Nimisha Srivastava
13 Delhi Office- Liaison work Mrs. Manju Arora
14 Inspection Mr. G. Sivaramakirshna
Mr. G. Rambabu
15 IT/Legal/SDD Ms. A. Sageena
Mr. Devendra Kumar
Mr. Aleem Afaque
16 Vigilance Mr. Mahesh Agarwal
Ms. Neetu Shahdadpuri
17 Communications & Media Ms. Jyoti Bhagat

68
 ANNUAL REPORT 2015-16
PART- II
REVIEW OF WORKING AND OPERATIONS
II.1 Regulation of Insurance and Reinsurance
Companies
During the year under review, the Authority has
brought out significant changes in the regulatory
stipulations for the purpose of orderly growth of the
insurance sector. The important regulatory changes
include:
IRDAI (Fee for granting written
acknowledgement of the receipt of Notice of
Assignment or Transfer) Regulations, 2015
II.1.1 The amendment to Section 38(7) of the
Insurance Act required the fee which should be paid
for grant of a written acknowledgement of the receipt
of assignment/transfer notice be specified by the
Regulations. The Authority has therefore notified
IRDAI (Fee for granting written acknowledgement
of the receipt of Notice of Assignment or Transfer)
Regulations, 2015 on 29th April, 2015 specifying the
following:
i. Fee for granting a written acknowledgement
of the receipt of notice of assignment or
transfer shall not exceed ` 50 (Rupees fifty
only) in respect of policies that are issued in
electronic form and shall not exceed ` 100
(Rupees Hundred Only) in respect of policies
issued other than electronic form. Insurers
need to collect the fee on the basis of actual
costs incurred while rendering the service of
granting the acknowledgement and shall not
load any additional costs.
ii. It is also clarified that no other fee shall be
collected in connection with the assignment
or transfer.
69
IRDAI (Fee for Registering Cancellation or
Change of Nomination by the Holder of a Policy
of Life Insurance) Regulations, 2015
II.1.2 The amendment to Section 39(3) of the
Insurance Act, 1938 required the fee that may be
charged by the Insurer for registering cancellation
or change of nomination, be specified by the
Regulations. The Authority has therefore notified
IRDAI (Fee for Registering Cancellation or Change
of Nomination by the Holder of a Policy of Life
Insurance) Regulations, 2015 on 29th April, 2015
specifying the following:
i. Fee for registering the cancellation or change
of the nomination shall not exceed ` 50
(Rupees fifty only) in respect of policies that
are issued in electronic form and shall not
exceed ` 100 (Rupees Hundred Only) in
respect of policies issued other than those
issued in electronic form.
ii. No fee shall be collected for registering a
nomination either at the time of effecting a
policy of life insurance or at any time thereafter
or towards any other services connected to
the nomination. Insurers to collect the fee on
the basis of actual costs and shall not load
any additional costs.
iii. Furnish a written acknowledgement, to the
insured, of having registered a nomination or
a cancellation or change thereof.
iv. The nomination effected by a policyholder at
the inception of the policy through the proposal
form and recorded by the Insurer in the
schedule of a policy document shall be
considered as a valid acknowledgement by the
Insurer.
 ANNUAL REPORT 2015-16
IRDAI (Places of Business) Regulations, 2015
II.1.3 In view of the amendments made to Section
64 VC of the Insurance Act, 1938, the Authority has
reviewed the existing Places of Business
Regulations 2013 (applicable for offices within India)
and the two Guidelines dated 21/01/2009 and 23/
05/2013 which dealt with opening of representative/
liaison offices overseas and for opening of foreign
insurance company (including branch office) outside
India by Indian Insurance Co respectively. The
relevant provisions of both Places of Business
Regulations 2013 and these two Guidelines are
suitably adapted to notify the Regulations 2015 as
per the powers vested under Section 64 VC of the
Insurance Act. In 2015 Regulations (notified on
21st July, 2015), the Authority specified the norms
for Opening Places of Business within India and for
Places of Business outside India. Some of the key
features are
i. For Places of Business within India, it is
specified, inter alia, that all the Insurers shall
have in place the Board approved Annual
Business Plan for every Financial Year, in
addition to the business plans of the Insurer,
and shall contain the total number of new
places of business proposed to be opened with
in India not only in the urban centres but also
in semi-urban and rural centres. The
Regulations also specified that all places of
business opened shall at minimum offer
policyholders services such as collection of
premium, proposal deposits or attending policy
service requests.
ii. For Closure or Relocation of Places of
Business within India, it is specified, inter-alia,
that a minimum of two months advance notice
on all the proposed relocations or closures,
shall be given to the policyholders serviced
by that place of business along with the
70
information on alternative arrangements
made to provide services to them.
iii. Specified norms for opening a Liaison Office
(LO) or a Representative Office (RO), activities
allowed by a RO or a LO and other related
provisions.
iv. Specified norms for opening a Foreign Branch
Office, eligibility criteria, terms and conditions
governing the approval of the foreign Branch
Office and operational requirements for
foreign branch office
IRDAI (Obligations of Insurers to Rural and
Social sectors) Regulations, 2015
II.1.4 After substitution of the word OR with AND
between the words rural and social sector in the
amendment to Section 32 B of the Insurance Act,
1938, the new provisions of the Section now read
as Every insurer shall, after the commencement of
the Insurance Regulator y and Development
Authority Act, 1999, undertake such percentages
of life insurance business and general insurance
business in the rural and social sector as may be
specified, in the official gazette by the Authority, in
this behalf. To give effect to the new provisions of
Section 32 B of the Insurance Act, the Authority has
reviewed the existing Rural or Social Sector
Regulations 2002 and notified IRDAI (Obligations
of Insurers to Rural and Social Sectors) Regulations
2015 on August 28, 2015. The salient features of
these Regulations are:
i. The Obligations specified in the 2015
Regulations are applicable from financial year
(FY) 2016-17.
ii. Enhanced the definition of Unorganized Sector
by adding the categories such as daily wager,
hired drivers and coolie.
 ANNUAL REPORT 2015-16

iii. Removed the provisions which prescribed business details for fulfillment of these
separate obligations for existing insurers as obligations.
on the date of the commencement of the IRDA
xi. Re-insurance premium shall not be included
Act, 1999 and prescribed uniform criteria of
while calculating the obligations of the insurers
percentages to all the Insurers with only the
in respect of the Rural and Social Sectors.
criteria as Age of the Insurer.
IRDAI (Obligations of Insurers in respect of
iv. Prescribed separate percentages of rural and
Motor Third Party Insurance Business)
social obligations for health insurers as the
Regulations, 2015
health insurance is now a separate class of
business as per the Insurance Law II.1.5 In order to comply with Sec 32D of Insurance
Amendment Act, 2015. Laws (Amendment) Act 2015, the Authority, in
consultation with Insurance Advisory Committee,
v. Prescribed percentage (%) of lives on total
issued IRDAI (Obligations of Insurers in respect of
business of previous FY for Social Sector
Motor Third Party Insurance Business) Regulations,
obligations in place of the existing provision
2015 on 2nd June 2015 stating the methodology for
of absolute number of lives
the minimum obligation of Insurers transacting motor
vi. Government Sponsored Social Security insurance business.
schemes where entire premium is borne by
IRDAI (Registration of Corporate Agents)
the Government are not to be considered for
Regulations, 2015
both rural and social sector obligations and
this provision is applicable for the obligations II.1.6 Consequent to the amendment to the
from FY 2017-18. Insurance Act 1938, the Corporate Agents have
been defined as Intermediary and Insurance
vii. No obligations are prescribed for Agricultural
Intermediary as per Sec 2(1)(f) of the IRDA Act,
Insurance Company of India Ltd. and Export
1999. This necessitated for issuance of new set of
Credit Guarantee Corporation of India owing
regulations for this segment. In this direction the
to the nature of their business.
Authority has issued two exposure drafts under
viii. All Micro Insurance policies are eligible for proposed regulations for Corporate Agents for the
social sector obligations and if the same are comments of the stakeholders. The draft has been
issued in rural area then they are eligible for discussed in the Insurance Advisory Committee as
both rural and social sector obligations. well as the Authoirtys meeting. This has been
approved by the Authority and the IRDAI
ix. Insurer shall put in place effective operational
(Registration of Corporate Agents) Regulations,
procedures for accurate classification of the
2015 has been notified vide F. No. IRDAI/Reg/12/
business obligations into the Rural and Social
102/2015 dt 20th August, 2015, which shall come
sectors as per these Regulations.
into force with effect from 01.04.2016.
x. An annual certificate needs to be filed by the
CEO or the Principal Officer within 90 days
from the end of FY submitting the actual

71
 ANNUAL REPORT 2015-16
Some of the salient features of this Regulation
are as under:
(a) A Cor porate Agent (Life) may have
arrangements with a maximum of three life
insurers to solicit, procure and service their
insurance products
(b) A Corporate Agent (General) may have
arrangements with a maximum of three
general insurers to solicit, procure and service
their insurance products. Fur ther, the
Corporate Agent (General) shall solicit,
procure and service retail lines of general
insurance products and commercial lines of
such insurers having a total sum insured not
exceeding rupees five crores per risk for all
insurances combined.
(c) A Corporate Agent (Health) may have
arrangements with a maximum of three health
insurers to solicit, procure and service their
insurance products.
(d) In the case of Corporate Agent (Composite)
the conditions as specified in clauses (a) to
(c) shall apply.
(e) Any change in the arrangement with the
insurance companies shall be done only with
the prior approval of the Authority and with
suitable arrangements for servicing existing
policyholders.
(f) An applicant exclusively doing insurance
distribution shall have a minimum equity share
capital or contribution and net worth of rupees
fifty lakh. They shall maintain the net worth at
all times.
(g) A registration once issued shall be valid for a
period of three years from the date of its issue,
unless the same is suspended or cancelled
pursuant to these regulations.
72
(h) Every corporate agent shall file, at the time of
seeking registration, with the Authority, a Board
or its equivalent Approved Policy on the
manner of soliciting and servicing insurance
products. The Policy shall address the manner
of adopting the philosophy of open architecture
and going forward in implementing the same.
The Policy, amongst others, shall include the
approach to be followed by the corporate agent
in having single or multiple tie-ups, the
partners in the tie-ups, the business mix, the
type of products sold, grievance redressal
mechanism and reporting requirements.
(i) The corporate agent shall disclose to the
Authority the details of its offices in which they
propose to distribute insurance products and
details of Specified Persons along with their
certificate number issued by the Authority.
Further, any opening or closure of an office
by a corporate agent shall be informed to the
Authority.
Guidelines on Investment in Exchange Traded
Funds with G-Sec Underlying (GILT-ETF)
II.1.7 Insurers are permitted to invest in GILT-ETF
as a part of Approved Investments in line with
investments in Mutual Funds. GILT ETFs shall be
investing in a basket of Government Securities
actively traded in the market or constituents of a
publicly available index. The minimum investment
by the Insurer shall not be less than Creation Unit
size and shall not be reduced at any time below
Creation Unit Size and value of Creation Unit Size,
at the time of investment, shall not be more than
`50 lakhs. The Overall Expense Ratio shall be less
than 0.50% of the daily net assets of the scheme.
 ANNUAL REPORT 2015-16

II.2 Individual Agents associated with the insurers had terminated 122 corporate agents while
Insurance Business adding 58 new corporate agents.

II.2.1 The year 2015-16 witnessed a decline of 2.48 TABLE II.2

percent in the number of individual agents. The DETAILS OF CORPORATE AGENTS OF
number had declined from 20.68 lakhs as on 31st LIFE INSURERS -- 2015-16
March, 2015 to 20.17 lakhs as on 31st March, 2016. Insurer As on Additions Deletions As on
While the private life insurers recorded a growth of 1st April, 31st March,
2015 2016
5.61 per cent, LIC recorded a decline of 8.77 per
cent. LIC had a higher number of individual agents Private Total 361 58 122 297
than all private life insurers put together. At the end LIC 142 12 35 119
of the year 2015-16, while the number of agents Industry Total 503 70 157 416
with LIC stood at 10.62 lakhs, the corresponding
number for private sector insurers was 9.55 lakhs. Channel-wise New Business performance
II.2.2 During the year 2015-16, the total number of II.2.4 Individual New Business-Life
agents appointed was 6.66 lakhs and the number
of agents terminated was 7.17 lakhs. While private The contribution of individual agents to the individual
insurers appointed 3.46 lakh agents, 2.95 lakh NB premium has declined to 68.27% during the year
agents were terminated. On the other hand, in case 2015-16 compared to 71.42% in 2014-15.
of LIC, 4.21 lakh agents were terminated while it LIC had procured 96.50% of its individual NB
appointed 3.19 lakh agents. premium through individual agents while the share
TABLE II.1 of individual agents was 31.90% for the private
DETAILS OF INDIVIDUAL AGENTS OF LIFE sector.
INSURERS -- 2015-16 II.2.5 The share of corporate agents, which was at
Insurer As on Additions Deletions As on 22.32 percent during 2014-15, had increased to
1st April, 31st March,
2015 2016 25.21 per cent in the year 2015-16. The share of
Private Total 904303 345855 295153 955005
corporate agents in the new business premium
LIC 1163604 319428 421472 1061560 procured by the private life insurers was significant
Industry Total 2067907 665283 716625 2016565 at 54.71 per cent in 2015-16 (50.72 per cent in 2014-
15). On the other hand, as LIC had 96.50 per cent
Intermediaries associated with the Insurance of the new business premium from individual agents,
Business the contribution of corporate agents for LIC was 2.32
per cent.
Corporate Agents
Between bank and other corporate agency channels,
II.2.3 As on 31 st March 2016, there were 416
the share of Banks in total new business had gone
corporate agents. While 70 new agents were added
up from 20.84 per cent in 2014-15 to 23.82 per cent
during 2015-16, licences of 157 corporate agents
in 2015-16.
were cancelled. LIC had terminated 35 corporate
agents and issued 12 new licences. The private

73
 ANNUAL REPORT 2015-16

TABLE II.3
INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS
FOR 2015-16 --- CHANNEL WISE
(Figures in percent of Premium)
Life Insurer Individual Corporate Brokers Direct MI Common Web IMF Online Total Referrals
Agents Agents Selling Agents Service Aggreg- Individual
Centres ators New
Banks Others* (CSCs) Business
Private Total 31.90 51.70 3.00 3.64 8.65 0.01 0.004 0.00 0.00 1.10 100.00 0.06
LIC# 96.50 2.18 0.14 0.02 1.03 0.06 0.00 0.00 0.00 0.07 100.00 0.00
Industry Total 68.27 23.82 1.39 1.60 4.36 0.04 0.002 0.00 0.00 0.52 100.00 0.03
*Any entity other than banks but licensed as a corporate agent.
# Does not include its overseas new business premium.
Note: 1) New business premium includes first year premium and single premium.
2) The leads obtained through referral arrangements have been included in the respective channels.

Direct sales share registered 4.36 percent of
Individual New Business in 2015-16 while Online
Sales channel registered a share of 0.52% in the
year 2015-16. Earlier, this was included in the Direct
Sales channel. While private insurers procured 8.65
per cent of their new business through direct sales,
LIC procured 1.03 per cent of their new business
through this channel. Private Insurers procured 1.1%
of their new business premium through Online Sales
while LIC procured 0.07% through the same.
The contribution of Brokers channel, MI Agents
channel and Common Service Centres (CSCs)
channel are 1.60%, 0.04% and 0.002% respectively
to the industry NB premium under individual
business.
Group New Business
II.2.6 Direct selling continues to be the dominant
channel of distribution for group business, with a
share of 95.03 per cent of premium during 2015-16.

TABLE II.4
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR 2015-16 - CHANNEL WISE
(Figures in percent of Premium)
Life Insurer Individual Corporate Brokers Direct MI Common Web IMF Online Total Referrals
Agents Agents Selling Agents Service Aggreg- Group
Centres ators New
Banks Others* (CSCs) Business
Private Total 0.77 8.79 4.71 3.17 82.56 0.00 0.00 0.00 0.00 0.00 100.00 0.00
LIC# 1.91 0.00 0.07 0.02 98.00 0.00 0.00 0.00 0.00 0.00 100.00 0.00
Industry Total 1.69 1.69 0.96 0.63 95.03 0.00 0.00 0.00 0.00 0.00 100.00 0.00
*Any entity other than banks but licensed as a corporate agent.
# Does not include its overseas new business premium.
Note: 1) New business premium includes first year premium and single premium.
2) The leads obtained through referral arrangements have been included in the respective channels.

74
 ANNUAL REPORT 2015-16

TABLE II.5
NEW BUSINESS PREMIUM (INDIVIDUAL AND GROUP) OF
LIFE INSURERS FOR 2015-16 -- CHANNEL-WISE
(Figures in percent of Premium)
Life Insurer Individual Corporate Brokers Direct MI Common Web IMF Online Total Referrals
Agents Agents Selling Agents Service Aggreg- Group
Centres ators New
Banks Others* (CSCs) Business
Private Total 20.13% 35.48% 3.65% 3.47% 36.59% 0.00% 0.00% 0.00% 0.00% 0.68% 100.00% 0.04%
LIC# 33.68% 0.73% 0.09% 0.02% 65.43% 0.02% 0.00% 0.00% 0.00% 0.02% 100.00% 0.00%
Industry Total 29.68% 10.99% 1.14% 1.04% 56.92% 0.02% 0.0007% 0.00% 0.00% 0.22% 100.00% 0.01%
*Any entity other than banks but licensed as a corporate agent.
# Does not include its overseas new business premium.
Note: 1) New business premium includes first year premium and single premium.
2) The leads obtained through referral arrangements have been included in the respective channels.

The corresponding share in the previous year was The contributions made by Banks and Corporate
93.05 per cent. This channel had contributed 82.56% Agents other than Banks were 10.99 percent and
and 98.00% of the group NB premium of the private 1.14 percent respectively. The contribution of Brokers
and public sectors respectively. was 1.04%. Online sales channel had contributed
0.22% of new business premium. The contribution
Another important distribution channel for Group
of MI Agents and Common Service Centers (CSCs)
business of the private insurers was Banks. During
was at 0.02% and zero percent respectively
the year 2015-16, Banks contributed 8.79 per cent
of the total group business in case of the private
insurers. This figure stood at 10.36 per cent in the CHART II.1: INDIVIDUAL NEW BUSINESS
previous year. PREMIUM OF LIFE INSURERS -
CHANNEL WISE
LIC had procured 1.91 per cent of the group business
through its traditional individual agency force while
private insurers procured 0.77 per cent through this
channel.

The contribution of Brokers channel was 0.63% to

the industry NB premium under group business.

Total of Individual and Group Business

II.2.7 At the aggregate level (individual and group

business together), Direct Selling had contributed
56.92 per cent of the total new business compared
to 49.67 percent in 2014-15. The share of individual
agents to the aggregate premium had decreased to
29.68 percent from 36.44 percent of 2014-15.

75
 ANNUAL REPORT 2015-16
CHART II.2
GROUP NEW BUSINESS PREMIUM
OF LIFE INSURERS - CHANNEL WISE
Surveyors and Loss Assessors
II.2.8 As per section 64 UM of Insurance Act, 1938
amended vide the Insurance Laws (Amendment)
Act, 2015, academic qualification as specified by
the Authority and membership of Indian Institute of
Insurance Surveyors and Loss Assessors (IIISLA)
are statutory requirements for a person to act as a
surveyor and loss assessor. IRDAI (Insurance
Surveyors and Loss Assessors) Regulations, 2015
specifies qualification criteria in Schedule I,
Annexure 1.
Further, sub-section 4 of section 64 UM of the Act
states that No claim in respect of a loss which has
occurred in India and requiring to be paid or settled
in India equal to or exceeding an amount specified
in the regulations by the Authority in value on any
policy of general insurance, arising or intimated to
an insurer, be admitted for payment or settled unless
a report is obtained on the loss occurred, from any
person who holds a license issued under this section
to act as Surveyor or Loss assessor (also referred
to as Approved surveyor or loss assessor).
76
CHART II.3
NEW BUSINESS PREMIUM
(INDIVIDUAL & GROUP) OF LIFE INSURERS
Regulation 12 of IRDAI (Insurance Surveyors and
Loss Assessors) Regulations, 2015 stipulates the
limit on survey in as under:
Regulation 12(2) Surveyors and Loss Assessors
shall be appointed either by insurers or insured to
assess loss under a policy of insurance in respect
of
(a) Motor insurance above Rupees fifty
thousand
(b) Other than motor insurance above Rupees
one lakh
Regulation 12(3) -- The above mentioned limit shall
be reviewed every three years by the Authority.
II.2.9 Being an insurance intermediary, surveyors
have to obtain registration under section 42D of the
Insurance Act, 1938 and the license has to be
renewed every three years. The following are the
details of trainee enrollments, grant of fresh and
renewal license to individual and corporate surveyors
and loss assessors during the period April, 2015 to
March, 2016.
 ANNUAL REPORT 2015-16

Table II.6 Insurance Brokers

LICENCES ISSUED TO SURVEYORS AND
II.2.12 The Authority allowed Insurance Brokers to
LOSS ASSESSORS
operate in the Indian market from 2003 and the first
2014-15 2015-16
Broking license was issued on 30th January, 2003
Fresh licenses pursuant to the provisions of the IRDA (Insurance
Individual 182 260
Corporate 5 8 Brokers) Regulations, 2002. These regulations were
Sub total 187 268
superseded by IRDA(Insurance Brokers)
Regulations, 2013 in the year 2013-14. The
Renewals
Individual 2137 1537 Regulations stipulated a capital requirement of `50
Corporate 20 24 lakh for Direct insurance brokers, `200 lakh for
Sub-total 2157 1561 reinsurance brokers and `250 lakh for composite
Trainee Enrolments 753 947 insurance brokers. The regulation prescribes a limit
of 26% on foreign equity participation in insurance
Grievances - Surveyors and Loss Assessors broking. However, this limit has been raised to 49%
II.2.10 Surveyor Licensing Department of the by the Government of India which has been notified
Authority receives grievances from surveyors vide Indian Insurance Companies (Foreign
regarding empanelment for survey jobs, nonpayment Investment) Rules, 2015. The Insurance Broking is
of survey fee by insurance companies, denial of steadily popularizing and the number of registrations
membership by IIISLA etc. Such complaints are increased to 457 since 2003 (as on 31.03.2016).
forwarded to respective insurance companies and II.2.13 Out of the total number of registered brokers
IIISLA for resolution at their end. Policyholders also of 457, the valid brokers stands at 368 and 89 are
complain against surveyors/surveyors firms on non not in force as on 31.03.2016. The 368 valid brokers,
receipt of copy of survey report, delay in issuance which comprises of 315 direct brokers, 47 composite
of survey report, misconduct, violation of IRDAI brokers and 6 reinsurance brokers. The Authority
(Insurance Sur veyors and Loss Assessors) has issued 38 new licenses during the period,
Regulations 2015 etc, such complaints are taken 1st April, 2015 to 31st March, 2016, out of which 36
up with surveyors for speedy disposal of the issues. licenses are in Direct Insurance Broker Category
Apart from above, various RTIs and Ministry and 2 are in Composite Insurance Broker Category.
grievances are also received by the department One existing license has been upgraded from direct
against surveyors and corporate surveyor firms. insurance broker to composite insurance broker and
II.2.11 During the year 2015-16, the authority one existing license has been upgraded from Direct
received 97 complaints,108 have been addressed (General) to Direct (Life & General). Further, the
and 1 was outstanding as on 31st March, 2016. license of 1 direct insurance broker and 1

TABLE II.7
GRIEVANCE RELATING TO SURVEYORS AND LOSS ASSESSORS
For the period Outstanding at the Received Addressed Outstanding at the
beginning of period end of the period
April 2014 March 2015 27 46 61 12
April 2015-- March 2016 12 97 108 1

77
 ANNUAL REPORT 2015-16

reinsurance broker has been merged as per their TABLE II.9

own request and converted into a Composite OFFICES OF INSURANCE BROKERS
Insurance Broker. STATE WISE AS ON 31-03-2016
Sl. Name of States of India No. of
II.2.14 During the period under report, the Authority No. Branches
has renewed 124 insurance broker licenses. As per 1 Maharashtra 281
the revised regulations, an insurance broker may 2 National Capital Territory of Delhi 148
apply for renewal 90 days in advance prior to the 3 Tamil Nadu 138
4 Gujarat 117
expiry of their license. The Authority has been taking
5 Uttar Pradesh 107
steps to improve the quality of compliance levels of 6 West Bengal 103
the insurance brokers. Some of them include 7 Karnataka 101
conduct of workshops, regular interaction with 8 Telangana 72
9 Kerala 60
Insurance Brokers Association of India, etc.
10 Andhra Pradesh 55
As an preclude for moving towards paperless 11 Rajasthan 50
12 Haryana 39
environment, the Department implemented the 13 Punjab 36
Business Analytical Project (BAP) in the Department 14 Madhya Pradesh 33
w.e.f. 1st January, 2016 for the new licenses and for 15 Bihar 30
renewal applications, the same has been made 16 Assam 26
17 Jharkhand 25
effective from 1st April, 2016.
18 Odisha(Orissa) 23
19 Chhattisgarh 22
The following table shows the statistics of Insurance
20 Chandigarh 17
Broking industry in India as on 31-03-2016: 21 Himachal Pradesh 12
22 Uttarakhand 9
TABLE II.8 23 Jammu and Kashmir 7
STATISTICS OF INSURANCE BROKERS 24 Goa 5
Total Share Capital ` 464.59 Cr. 25 Tripura 2
Total Networth ` 2022.38 Cr. 26 Meghalaya 1
27 Mizoram 1
Total FDI ` 14.75 Cr.
28 Sikkim 1
29 Andaman and Nicobar Islands 1
Web Aggregators 30 Puducherry (Pondicherry) 1
Total 1523
II.2.15 The Authority took the initiative to develop a
system, known as Web Aggregator, for comparing insurance companies. Based on the guidelines, the
and distribution of Insurance Policies online. This Authority had issued licenses to 6 Web Aggregators.
initiative was taken for the benefit of prospective
buyers of the Insurance Policy keeping in mind Subsequently the Authority came out with IRDA
developing trends in e-commerce. The Authority (Web Aggregators) Regulations, 2013 and licensed
initially issued guidelines in November, 2011 to 5 Web Aggregators under the regulations. At present
enable enthusiastic entrepreneurs to leverage there are 16 Web Aggregators.
technological advancements to apply for license for
comparison of insurance products of various

78
 ANNUAL REPORT 2015-16
TABLE II.10
WEB AAGREGATORS APPROVED BY THE
AUTHORITY (AS AT 31 MARCH, 2016)
S. No Name of the Web Aggregator
1 Mangotree Solutions Pvt Ltd.
2 Commet Insurance Web Aggregator Pvt Ltd.
3 PolicyX.com Insurance Web Aggregator Pvt LTd
4 OA Insurance Web Aggregators Pvt Ltd.
5 Fingoole Insurance Web Aggregator Pvt Ltd.
6 Easy Policy Insurance Web Aggregator Pvt Ltd.
7 Policy Bazaar Insurance Web aggregator Pvt Ltd
8 My Insurance Club Insurance Web Aggregator Pvt Ltd.
9 Great India Insurance Web Aggregator Pvt Ltd.
10 Mint Wise Insurance Web aggregators Pvt Ltd.
11 Boon Insurance Web Aggregator Pvt Ltd
12 Compare Policy Insurance Web Aggregator Pvt Ltd
13 Buy Smart Policy Insurance Web Aggregator Pvt Ltd
14 MSF Insurance Web Aggregator Pvt Ltd
15 Policy Mantra Insurance web Aggregator Pvt. Ltd.
16 Deztination Insurance Web Aggregator Pvt. Ltd.
Common Service Centre-SPV
II.2.18 Consequent upon promulgation of Insurance
Laws (Amendment) Act, 2015, Common Service
Centres are included in the definition of intermediary
and insurance intermediary. As a result of the
amendments in the Act the existing Guidelines on
Common Service Centres were converted into
Regulations. The regulations contains the following
changes.
1) Definition of CSC product
2) Code of Conduct for CSC-SPV
3) On boarding charges
4) Remuneration
5) Types, Procedure and conditions applicable
for Life and General Insurance products
6) Appeal to SAT on the orders of the Authority
79
7) Minor grammatical changes to bring
consistency
The salient features of the proposed Insurance
Services by CSC Regulations are as follows:
1. The CSC-SPV shall market insurance
products and also offer other insurance related
services through the CSC network of those
insurance companies who have entered into
an agreement with the CSC-SPV.
2. CSC-SPV is the CSC e-Governance Services
Limited, Special Purpose Vehicle incorporated
to facilitate delivery of government, private and
social sector services to citizens of India
through CSC network.
3. Minimum eligibility conditions; educational
qualifications, and training requirement have
been specified for
a. Principal officer of the CSC-SPV
b. RAP of the CSC-SPV in the regulations.
4. Fit and Proper criteria has been proposed to
assess the suitability of the Principal Office of
the CSC-SPV.
5. The procedure of grant of registration, validity
and renewal of registration of CSC-SPV has
also been specified.
6. Within the CSC framework there are Service
partner Agency which includes the State
Designated Agency or the Service Centre
Agency or any other agency under the CSC
Scheme who will train, guide and mentor the
VLEs.
7. Rural Authorised Person (RAP) shall be an
individual Village Level Entrepreneur (VLE)
registered and authorized by the CSC-SPV
to operate and manage a Common Service
Centre to market Insurance Products and offer
insurance related services. He should undergo
 ANNUAL REPORT 2015-16

20 hour training and pass examination 12. The procedure for disciplinary proceedings
conducted by NIELIT and have a minimum against the CSC-SPV and the RAP has also
qualification of 10th pass or equivalent. been specified in the proposed regulations.

8. The code of conduct and duties and 13. The regulations also specify reports to be
obligations have been specified for the submitted by the insurers and CSC-SPV to
Principal Officer; RAP, CSC-SPV and Insurers the Authority.
in the regulations. Customer grievance
14. The statistics regarding the CSC-SPV channel
handling procedure has been outlined in the
for the period 1.4.2016 till 31.8.2016 is as
regulations.
under:
9. The remuneration between the CSC-SPV,
a. No. of RAP who have undergone training
Service Partner Agency and the RAP have
& passed exam and have been issued
been specified in the ratio of not more than
certificates 11,621
8%, not more than 12% and not less than 80%
respectively of the commission paid. However b. Total premium collected (New &
the insurance related services that will be renewal) `117.42 crores
offered by the RAP has been left to be decided
between the CSC-SPV and the insurer. c. Total New Insurance premium `6.62
crores (General) + `0.28 crores (Life)
10. On-boarding charges of ` 20 lakhs per insurer,
which are paid into an escrow account, have d. Total Renewal Premium `110.52
been allowed to be charged by CSC-SPV on crores (Life)
the insurers to facilitate biometric and IRIS e. Total no. of customers serviced - 3.78
equipment infrastructure at RAP level which lakhs
is released at the time of activation.
f. No of insurers with whom agreement
11. The CSC-SPV shall market exclusive products signed: General 16; Health 3; Life
under this channel which will be pre-fixed with 18 (14(Renewal) + 4(Fresh & Renewal)
the words CSC. The maximum sum assured/
insured allowed these policies is `2 lakhs g. No of policies sold i) Motor Third Party
excluding the sum insured under motor 56,484; ii) PA 4,521; iii) Life Insurance
insurance. Currently non-participating non- 2,622; iv) Crop 1,187; v) others
linked variable insurance products with regular 223
premium payment and pure term insurance
h. Added new products such as motor
products with regular premium payment of life
comprehensive, travel insurance, crop
insurers have been approved by the Authority
insurance and Government Insurance
under the file & use guidelines. Like-wise motor
Schemes to the list of approved
insurance, personal accident insurance, cattle/
products.
livestock insurance, farmers package policy
and fire & allied peril dwellings insurance of
general insurance have been approved by the
Authority.

80
 ANNUAL REPORT 2015-16
Point of Sales Person Non-Life & Health 6.
Insurers
II.2.17 The Authority has observed that there are
number of persons who are involved in undertaking
simple and routine activities pertaining to solicitation
and marketing of insurance policies. For e.g. bulk of 7.
products in motor insurance, travel insurance,
personal accident insurance, etc. require very little
8.
underwriting. These happen to be largely pre-
underwritten products wherein based on the
information provided by the prospect, the insurance
policy is automatically generated by the system. The 9.
intervention required for such a product is minimal
and the training and examination for such persons
could be of a lesser degree. 10.
In order to facilitate the growth of insurance business
in the country and to enhance insurance penetration
and insurance density, the Authority as part of its 11.
developmental agenda issued the following
guidelines on Point of Sales Persons.
The salient features of the guidelines are as
follows:
1. Point of Sales Person who can solicit and
market only certain pre-underwritten products
approved by the Authority.
2. Ever y Point of Sales Person shall be
identified by his Aadhaar Card Number or his
PAN Card.
3. The persons soliciting and marketing such pre-
underwritten products approved by the
Authority shall be called as Point of Sales
Person.
4. The Point of Sales Person shall be at least 12.
10th pass.
5. He shall be sponsored to NIELIT, by the
insurance company or the insurance 13.
intermediary with whom he shall work, for
undergoing online training specified for Point
of Sales Person.
81
The fees for the online training and
examination shall not exceed `500 which will
be paid to NIELIT by either the insurance
company or the insurance intermediary who
is sponsoring the individual.
The training module will be hosted on NIELIT
website as approved by the Authority.
He shall appear in the online examination
conducted by NIELIT who shall be the
examining body.
On successful passing the examination, he will
be issued a letter by NIELIT certifying him to
be a Point of Sales Person.
A Point of Sales Person can represent an
insurance company or an insurance
intermediary.
The Point of Sales Person can sell only the
following pre-underwritten product.
a. Motor Comprehensive Insurance
Package Policy for Two-wheeler, private
car and commercial vehicles.
b. Third party liability (Act only) Policy for
Two-wheeler, private car and
commercial vehicles.
c. Personal Accident Policy
d. Travel Insurance Policy
e. Home Insurance Policy
f. Any other Policy specifically approved
by the Authority
Every policy sold through the Point of Sales
Person shall be separately identified and pre-
fixed by the name POS (name of product).
The insurance company shall file the product
with the Authority under the file and use
guidelines for information.
 ANNUAL REPORT 2015-16
14. Every proposal form, in paper or in paperless
form, insurance policy and other related
documents shall carry provision to record the
Aadhaar card number or the PAN card number
in order to tag the policy to the Point of Sales
Person who is selling the said policy.
15. The insurance company shall be responsible
to record the Aadhaar card number or the PAN
card number of the Point of Sales Person in
the proposal form and insurance policy. The
insurance company shall be responsible for
the conduct of the Point of Sales Person
representing him.
16. For sales affected through the insurance
intermediary, the insurance intermediary shall
record the Aadhaar card number or the PAN
card number of the Point of Sales Person in
the proposal form and require insurance
company to do the same in the insurance
policy. The insurance intermediary shall be
responsible for the conduct of the Point of
Sales Person engaged by it and any
misconduct on part of the Point of Sales
Person shall make it liable to a penalty as per
Act.
17. One of the factors that shall be considered
while renewing the certificate of registration
of the insurance intermediary shall be the
conduct of the Point of Sales Person on the
rolls of insurance intermediary.
18. As on the 31st August, 2016, the details are
as under:
a) No. of Candidates registered 2,536
b) No of candidates who appeared in exam
1,639
c) No of candidates who passed the exam 838
82
d) No of sponsoring agencies i) Insurers - 8; ii)
Insurance Brokers 25; Corporate Agents
4
e) No of POS of sponsoring agencies i) Insurers
115; ii) Insurance brokers 670; Corporate
agents 53
f) 192 products of 16 general and health insurers
cleared
g) Added new products such as Cattle/ livestock
insurance, Agricultural pumpset insurance,
Fire & Allied peril dwellings, crop insurance
and Government Insurance Schemes to the
list of approved products
II.3 PROFESSIONAL INSTITUTES CONNECTED
WITH INSURANCE EDUCATION
II.3.1 Indian Insurance sector has seen a rise in
demand for insurance education, training and
research. As such, the Authority remains in touch
with all the Professional Institutes connected with
Insurance Education and Other reputed professional
institutes and organizations related to insurance
education in India and abroad.
II.3.2 The Authority in association with the then
Andhra Pradesh government, established a
professional institute viz., Institute of Insurance and
Risk Management (IIRM) in the year 2002 for training
and imparting professional courses in insurance and
related subjects. The Authority continues to support
the institute in its endeavors.
II.3.3 The Insurance Institute of India (III) is both the
Training body and Examination body for Web
Aggregators, Corporate Agents and Insurance
Marketing Firms. It is also the training body for
Brokers and examination body for Agents pre-
recruitment examinations. The Institute has also
been preparing course content for various surveyor
examinations and is also conducting the surveyors
examinations. The institute has also come up with
 ANNUAL REPORT 2015-16

TABLE II.11
DETAILS OF CASES FILED FOR THE PERIOD 2015-16
Sl. Particulars cases filed Non HR Health CAD Life Brokers Total
No Life
1. Supreme Court 1 0 0 0 0 0 1
2. Writ Petitions filed in various High Courts 23 6 5 0 2 2 38
3. Securities Appellate Tribunal 0 0 0 0 0 5 5
4. Writ Appeals ,LPAs filed in various High Courts 0 0 0 0 0 0 0
5. Review/Restoration Petitions filed in various High Courts 0 0 0 0 0 0 0
6. Contempt Petitions filed in High Courts 1 0 0 0 0 0 1
7. Consumer Cases (DCF+SCDRC) 0 0 0 46 0 0 46
8. Civil & Lok Adalat cases 0 0 0 20 0 0 20
9. MACT cases 0 0 0 1 0 0 1
10. PILs 0 0 0 0 0 0 0
11. Criminal Petitions 0 0 0 0 0 0 0
Total 25 6 5 67 2 7 112

TABLE II.12
DETAILS OF CASES DISPOSED/DISMISSED FOR THE PERIOD 2015-16
Sl. Particulars Non HR Health CAD Life Brokers Total
No. Life
A B A B A B A B A B A B A B
1. Supreme Court 0 0 0 0 0 0 0 0 0 0 0 0 0 0
2. Writ Petitions disposed in
various High Courts 0 6 0 0 0 1 0 0 0 1 0 0 0 8
3. Securities Appellate Tribunal 0 0 0 0 0 0 0 0 0 0 1 0 1 0
4. Writ Appeals ,LPAs disposed in
various High Courts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
5. Review/Restoration Petitions
disposed in various High Courts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
6. Contempt Petitions disposed
in High Courts 0 0 0 0 0 0 0 0 0 0 0 0 0 0
7. Consumer Cases 0 0 0 0 0 0 0 7 0 0 0 0 0 7
8. Civil & Lok Adalat cases 0 0 0 0 0 0 0 0 0 0 0 0 0 0
9 MACT cases 0 0 0 0 0 0 0 0 0 0 0 0 0 0
10 PILs 0 0 0 0 0 0 0 0 0 0 0 0 0 0
11 Criminal Petitions 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total 0 6 0 0 0 1 0 7 0 1 0 0 1 15
*A - with directions to IRDA ** B - without directions to IRDAI

established by the Authority and incorporated under

the course for village level entrepreneurs under
Common Service Centre guidelines.
II.3.4 Indian Institute of Insurance Surveyors and
Loss Assessors (IIISLA), an institute promoted and
Section 25 of the Companies Act, 1956.
Membership of the institute is mandatory for grant
of surveyor licence. The institute works as self-
regulatory body.

83
 ANNUAL REPORT 2015-16
II.3.5 The Authority also has statutory representation
in the council of the Institute of Actuaries of India
(IAI), a statutory and professional body for regulation
of profession of Actuaries in India. Its objective
among other things also includes regulating the
practice by the Members of the profession of Actuary.
Another noteworthy integrated management school
in relation to Insurance Education is the National
Insurance Academy (NIA) Pune which promotes,
develops and nurtures research and consultancy
activities on institutional and individual basis.
II.4 LITIGATIONS, APPEALS AND COURT
PRONOUNCEMENTS
II.4.1 The details of the litigation in terms of cases
filed before the Supreme Court, various High Courts,
Civil Courts, Motor Accident Claims Tribunal (MACT),
and Lok Adalat, as also cases disposed/dismissed
during 2015-16 are provided in Table II.11 and II.12
II.5 INTERNATIONAL COOPERATION IN
INSURANCE
II.5.1 IRDAI recognizes importance of adopting
international best practices while introducing and
implementing regulatory measures domestically. In
this context, and in furtherance of its regulatory
objectives, IRDAI engages with various international
organizations, forums and foreign regulators. IRDAI
continued to actively engage and contribute to on-
going in the international arena in the financial year
2015-16 as well.
The major international engagement continues to
be with International Association of Insurance
Supervisors (IAIS), an international standard setting
body responsible for developing principles,
standards and other supporting material for the
supervision of the insurance sector and assisting in
their implementation. The IAIS provides a forum for
Members to share their experiences and
understanding of insurance supervision and
insurance markets. IRDAIs representatives have
84
participated in various IAIS committee meetings and
contributed to the standard setting and
implementation activities.
The IRDAI continued to provide views and inputs
on the ongoing work in insurance sector related
matters of the Financial Stability Board (FSB) to the
Ministry of Finance and Reserve Bank of India (RBI).
Financial Stability Board is the international body
that has been mandated by the G20 to promote
implementation of financial sector regulatory reforms
in the world.
As part of its other varying commitments as
insurance sector regulator, the IRDAI has provided
inputs to the Government of India on international
issues/ treaties and financial sector dialogues,
hosted and organized visits of foreign delegates.
At the bilateral engagement, IRDAI entered into a
MoU with Insurance Authority of United Arab
Emirates (UAE) with an objective to promote mutual
interests and cooperation in the field of insurance
supervision through exchange of information and
experiences on insurance supervision.
As regards capacity building assistance to other
countries on insurance aspects, IRDAI offered to
provide Least Developed Countries (LDCs) with
technical assistance in the areas of insurance
services with an objective to improve and enhance
their knowledge on various aspects of Insurance.
The offer along with the contact details are hosted
in the IRDAIs website under International Affairs
section.
As part of study tour, a delegation from Afghanistan
Insurance Personnel Association (AIPA) had visited
IRDAIs office, Hyderabad in February, 2016. During
this interaction, the delegation had been briefed
about the regulatory structure and process in place
in India.
 ANNUAL REPORT 2015-16
Association with IAIS:
II.5.2 Established in 1994, the International
Association of Insurance Supervisors (IAIS)
represents insurance supervisory authorities of
some 200 jurisdictions representing nearly 140
countries.
The IAIS issues global insurance principles,
standards and guidance papers provides training
and suppor t on issues related to insurance
supervision, and organises meetings and seminars
for insurance supervisors. The IAIS works closely
with other financial sector standard setting bodies
and international organisations working to promote
financial stability. It holds an Annual Conference
where supervisors, industry representatives and
other professionals discuss developments in the
insurance sector and topics affecting insurance
regulation.
An Executive Committee, whose members represent
different geographical regions, heads the IAIS. From
Asian region, there are five Members representing
the Executive Committee. the Chairman, IRDAI, is
one of the Members representing from Asian region,
others being the insurance regulators from China,
Japan, Korea and Singapore.
IAIS Committees/ Working Groups
II.5.3 The IRDAI has participation in two main
committees viz., Financial Stability & Technical and
Implementation Committees. These committees
oversee standard setting activities in the area of
financial stability and implementation & assessment
of IAIS supervisory material etc.
Under IAIS Committee System, each committee has
established various working groups/task forces to
help in carrying out their duties. The IRDAI has
participation in the IAIS working groups looking into
aspects of Financial Inclusion, Cor porate
Governance, Market Conduct, Macro Prudential
Policy & Surveillance and Capital Development.
85
IRDAI played an important role in the IAISs Financial
Inclusion Working Group and its nominee chaired
the working group.
IRDAI contributes to IAISs work by way of attending
meetings of the Committees/ Working Group/ Task
Forces and by providing responses to IAIS surveys/
questionnaires/ reviews. The deliberations and
knowledge sharing translate into the formulation and
adoption of global insurance standards. Participation
in the meetings of IAIS committees/ Working Groups/
Task forces have provided very useful inputs and
have been useful in IRDAIs own domestic rule-
making.
Asian Forum of Insurance Regulators
II.5.4 Asian Forum of Insurance Regulators (AFIR)
is a forum of insurance supervisors from Asia and
Oceania regions was established based on Beijing
Declaration on Regional Insurance Regulation
Cooperation in 2005. The declaration lists 16
jurisdictions that signed Beijing Declaration dated
23-05-2005 are Peoples Republic of China, Hong
Kong, Chinese Taipei, India, Indonesia, Japan,
Jordan, Republic of Korea, Macau, Malaysia, Nepal,
Pakistan, Philippines, Singapore, Thailand and
Vietnam (out of 16, 15 Asian and 1 Middle Eastern).
International organizations such as ADB, EU, IAIS,
OECD, World Bank, Mission RisquesNaturels
(France) have attended the AFIR meetings as
presenter/ speaker.
The AFIR has been set up for exchange of ideas on
topics relating to the insurance industry and
regulation. It comprises of insurance regulatory and
supervisory authorities who have come together with
a view to achieving common goals at the level of
the Asian-Oceanic Region.
The AFIR Members have been meeting annually
with each participating jurisdiction taking turns to
be the host organiser. The first AFIR conference
was held in Beijing in 2006 followed by Seoul (2007),
Singapore (2008), Chinese-Taipei (2009), Japan
 ANNUAL REPORT 2015-16
(2010), Thailand (2011), Macau (2012), Hyderabad,
India (2013), Beijing (2014) and Colombo (2015).
AFIR is the only insurance supervisory network in
Asia. The conference provides the meeting point
for jurisdictions to acquaint themselves of the
developments in the member countries and to
exchange thoughts on issues & topics of mutual
interest.
The 10th Annual Conference of AFIR was held from
July 27-28, in Colombo, Sri Lanka, wherein the
participants agreed to form a task force with support
of the secretariat to further identify functions of the
AFIR, and to improve the AFIR mechanism. Apart
from regular agenda, in Colombo, the AFIR
extensively discussed formalisation of the AFIR, on
key issues, such as funding and governance
structure. To improve the AFIR mechanism, the AFIR
found it necessary to identify focus areas and
specific activities to move forward. Accordingly, a
task force (China, Hong Kong, India, Japan, Korea,
Singapore, Sri Lanka, Thailand and IAIS Secretariat)
was established in November 2015 and the
members reached an agreement after several
discussions that AFIR to focus on four aspects which
fall under categories namely Information Exchange,
Capacity Building, Regional Cooperation and the
Governance Structure.
Accordingly, the task force worked on the discussion
papers for months and reached a consensus through
conference calls and face-to-face meetings. These
four discussion papers are key materials proposed
for discussion at AFIR Annual Meeting at Taipei.
IRDAI, India contributed by designing an outline
paper, as a guiding document, for preparation of
these Discussion papers and also volunteered by
drafting discussion paper on Capacity Building.
The IRDAI, India is an active participant in the AFIR
forum and suppor ts the need for fur ther
strengthening coordination among Asian
jurisdictions. As a regulator representing a large
86
economy and a large insurance market, IRDAI is
expected to play a prominent role in the thought
process for the regulator interface and contribute to
the capacity building of the region.
Other engagements:
II.5.5 G20/ Financial Stability Board: The Financial
Stability Board (FSB) is an international body
established to address financial system
vulnerabilities and to drive the development and
implementation of strong regulatory, supervisory and
other policies in the interest of financial stability. One
of the main mandates of FSB is to implement G20
policy announcements on financial regulation. In
FSB, India is represented by Ministry of Finance
(MoF), Reserve Bank of India (RBI) and Securities
Exchange Board of India (SEBI).
IRDAI contributes to FSBs work by way of providing
its views and comments on insurance sector related
issues discussed in the FSB meetings to the Ministry
of Finance or Reserve Bank of India. IRDAI also
provides responses to FSB surveys/ questionnaires/
reviews.
II.5.6 FSB peer review of India FSB peer reviews
focus on the implementation of financial sector
standards and policies agreed within FSB, as well
as their effectiveness in achieving the desired
outcomes. As part of its commitment towards global
financial stability, India underwent a FSB peer review
in 2015. FSB appointed a peer review team to carry
out the peer review. The peer review covered the
two topics: (1) Macro-prudential Policy Framework
and (2) Regulation and Supervision of Non-Banking
Finance Companies.MoF and financial regulators
(SEBI, RBI, IRDAI and PFRDA) responded to the
various questionnaires circulated by the FSB peer
review team. The FSB peer review team also made
an onsite visit to India during March 07-11, 2016 as
a part of its peer review exercise. The report of the
FSB peer review is scheduled to be published in the
second half of 2016.
 ANNUAL REPORT 2015-16
II.5.7 OECD INFE: OECD International Network on
Financial Education (INFE) launched in 2008 by
OECD governments having recognised the
importance of financial literacy. IRDAI became a
member of OECD INFE in April, 2012. It provides
a unique policy forum for governments to exchange
views and experiences on Financial Education. It
enables participants to share initiatives taken across
the globe with regard to Financial Literacy and
Financial Inclusion. The exposure to the principles
and global methods for impact evaluation helps in
learning about innovative methods for financial
capability and enhancement.
Bilateral Engagement
II.5.8 At the bilateral engagement, IRDAI entered
into an MoU (dated 11/02/2016) with Insurance
Authority of United Arab Emirates (UAE). The MoU
aims at promoting cooperation between the
concerned authorities in the field of insurance
supervision through a framework for cooperation and
by increasing mutual understanding through the
exchange of regulatory and relevant supervisory
information to ensure compliance with their
respective laws and regulations.
MINISTRY REFERENCES: CONTRIBUTION TO
VARIOUS INTERNATIONAL TREATIES AND
DIALOGUES
II.5.9 During 2015-16, IRDAI continued to contribute
towards an effective and useful engagement with
the Government of India with regard to various
international dialogues in areas related to insurance
sector.
In this direction, IRDAI provides inputs to the Ministry
of Finance on various issues, agenda items and
topics relating to insurance sector for various bilateral
dialogues.
Inputs were also provided to the government for
meetings with the Swiss Vice President and Heads
of the Canadian Pension, Hannover Re and others.
87
IRDAI also provided inputs for the 2nd Indo- Canada
Economic & Financial Sector Policy Dialogue, India-
Japan Dialogue on Financial Markets, India-UK
Economic Dialogue, India-USA regulatory dialogue,
BRICS Economic Partnership Agreement, India-
Australia Services Negotiations w.r.t. Financial
Services, Regional Comprehensive Economic
Partnership, Disciplines in Domestic Regulation and
Indias Revised Offer in Financial Services in WTO
and among others.
Technical Assistance for development of the
insurance sector of Least Developed Countries:
II.5.10 Least Developed Countries (LDCs) are
poorest members of the world community. As on
date, there are 48 LDCs designated by the United
Nations of which 34 are now WTO members while
another nine are negotiating to join the WTO. The
WTO members have agreed to grant special
preferences to the LDCs which may not be offered
to other WTO members.
As per the WTO mandate, decisions of the WTO
Ministerial Conferences and requests made by the
Least Developed Countries (LDCs), developed
country and developing country members of the
WTO, in a position to do so, were to voluntarily
consider providing LDCs preferential treatment in
Trade in Services.
India has been a strong supporter of the cause of
LDCs. Government of India gave its approval for
notification of Preferential Treatment by India to Least
Developed Countries (LDCs) in Trade in Services in
the WTO. The areas of preferential treatment include
provision of Technical Assistance and capacity
building to LDCs. In the insurance sector, India
committed to accord priority in training of personnel
of LDCs and provide insurance consultancy
services.
In this direction, the IRDAI took initiative to support
Developing/ Least Developed Countries in the form
of providing technical inputs based on their
 ANNUAL REPORT 2015-16

requirement, with an objective to improve and

enhance their knowledge on various aspects of CHART II.4
Insurance. The offer along with the contact details CLASSIFICATION OF LIFE COMPLAINTS
are hosted in the IRDAIs website under International RECEIVED DURING THE LAST 2 YEARS
Affairs section.

II.6 GRIEVANCES

Integrated Grievance Management System

(IGMS)

II.6.1 The IGMS put in place by IRDAI is the

repository of the insurance industry complaints
providing not only a platform to raise customer
grievances with insurers but also to generate various
analytical repor ts on Customer grievances
registered against the Insurers.

Department of Administrative Reforms and

Public Grievances (DARPG), Government of
India
II.6.2 Apart from the complaints registered in the
IGMS Portal of IRDAI, Complaints registered in
DARPG Portal against insurers are also referred to
IRDAI. IRDAI regularly accesses the portal of the
DARPG and ensures that complaints relating to the
insurance sector are downloaded and necessary
action to get them examined by the insurers is taken.
Life Insurers
II.6.3 During 2015-16, the insurance companies
resolved 99.56 per cent of the complaints handled.
The private life insurers resolved 99.36 per cent of
the complaints reported, while LIC resolved 100 per
cent of the complaints as a result of which there
were no pending complaints of LIC as at 31.3.2016.
As can be seen from the above, the classification
as per the IGMS in terms of grievance Redressal
guidelines, indicates a marginal decrease of 3% in
the complaints under Unfair Business Practices
during 2015-16 over 2014-15 and 1% increase in
the complaints reported under Claims, Others and
Policy servicing. The complaints under Proposal
Processing and ULIP Related has maintained the
same share to the total complaints during the last 2
years.
Non-Life Insurers
II.6.4 The non-life insurance companies resolved
98.41 per cent of the complaints handled during the
year 2015-16. The private non-life insurance
companies resolved 98.96 per cent and public
nonlife insurance companies resolved 97.12 per cent
of the complaints handled by them. As at 31st
March, 2016, a total of 971 complaints were pending
for resolution, out of which 446 were belonging to
private sector insurance companies and 525 were
pertaining to public sector insurance companies.
It can be seen from the above that there is a 1%
reduction of the complaints reported under premium
and 1% increase in the complaints reported under
Claims during the year 2015-16 as compared to
2014-15. Complaints reported under all other
categories have maintained the same share as that
of the previous year.

88
 ANNUAL REPORT 2015-16

Table II.13
STATUS OF GRIEVANCES (As per IGMS) - LIFE INSURERS DURING 2015-16
Insurer Outstanding as on Grievances Reported Resolved during Outstanding as on
1st April, 2015 during 2015-16 2015-16 31st March, 2016
LIC 0 64750 64750 0
PRIVATE 6109 139951 145125 935
TOTAL 6109 204701 209875 935

Table II.14
STATUS OF GRIEVANCES - NON LIFE INSURERS DURING 2015-16
Insurer Outstanding as on Grievances Reported Resolved during Outstanding as on
1st April, 2015 during 2015-16 2015-16 31st March, 2016
PUBLIC 437 17806 17718 525
PRIVATE 1662 41277 42493 446
TOTAL 2099 59083 60211 971

CHARAT II.6
POLICY TYPE WISE NON-LIFE COMPLAINTS
CHART II.5 DURING THE LAST 3 YEARS
COMPLAINT TYPE WISE CLASSIFICATION
OF NON-LIFE COMPLAINTS REGISTERED
DURING THE LAST 2 YEARS

Grievances - 2015-16 in comparison with

The analysis of the complaints under policy type
indicates that health insurance complaints are more
during the last 2 years as compared to the
complaints reported under motor insurance.
2014-15
II.6.5 Life Insurance Industry In number of
complaints reported, there has been a considerable
reduction of about 26.62% in the year 2015-16
(204701 in 2015-16 as against 278992 in 2014-15).
As regards the pending complaints as at 31.3.2016,

89
 ANNUAL REPORT 2015-16

TABLE II.15
GRIEVANCES - 2015-16 IN COMPARISON WITH 2014-15 - LIFE
Sl. Insurer 2014-15 2015-16
No Reported Attended Pending at Opening Reported Duplicate Actual Attended Pending
during to during the end Balance during Complaints Complaints to during at the end
the year the year of the year the year Reported the year of the year
(i) Public Total 80944 80944 0 0 65512 762 64750 64750 0
(ii) Private Total 198048 193119 6109 6109 145395 5444 139951 145125 935
Grand total 278992 274063 6109 6109 210907 6206 204701 209875 935

TABLE II.16
GRIEVANCES - 2015-16 IN COMPARISON WITH 2014-15 - NON-LIFE
Sl. Insurer 2014-15 2015-16
No Reported Attended Pending at Opening Reported Duplicate Actual Attended Pending
during to during the end Balance during Complaints Complaints to during at the end
the year the year of the year the year Reported the year of the year
(i) Public Total 15860 16105 437 437 17808 2 17806 17718 525
(ii) Private Total 44828 43318 1662 1662 41802 525 41277 42493 446
Grand total 60688 59423 2099 2099 59610 527 59083 60211 971

2014-15(59083 in 2015-16 as against 60688 in

CHART II.7 2014-15). As regards the pending complaints, the
MOVEMENT OF COMPLAINTS - INDUSTRY
no. as at 31.3.2016 reads 971 as against 2099
- LAST TWO YEARS
pending as at 31.3.2015.

II.6.7 Industry Industr y has witnessed a

considerable reduction of 75896 complaints in the
year 2015-16. A total of 263784 complaints were
reported in the year 2015-16 as against 339680 in
the year 2014-15. The reduction in number of
complaints expressed in terms of percentage is
about 22.34%.

With regard to the pending complaints as at

31.3.2016, 6 Life insurers and 6 Non Life Insurers
have shown NIL pending.

During the Year 1874 grievances have been referred

it is observed that 935 complaints were pending as
against 6109 as at 31.3.2015 .
II.6.6 Non Life Insurance Industry There has
been a reduction of 1605 complaints in the year
2015-16 as compared to the number reported in
90
to IRDAI of the grievances registered in DARPG
Portal. A total of 1698 grievances have been
disposed of during the year. 237 grievances were
pending as at 31.3.2016.
Out of 237 grievances pending as at 31.3.2016, No
grievance was pending resolution beyond the
prescribed TAT.
 ANNUAL REPORT 2015-16

TABLE II.17
GRIEVANCES - 2015-16 IN COMPARISON WITH 2014-15 INDUSTRY(LIFE + NON-LIFE)
Insurer 2014-15 2015-16
Reported Attended Pending at Opening Reported Duplicate Actual Attended Pending
during to during the end Balance during Complaints Complaints to during at the end
the year the year of the year the year Reported the year of the year
(Life + Non Life) 339680 333486 8208 8208 270517 6733 263784 270086 1906

TABLE: II.18
INSURERS WHO HAVE REGISTERED NIL PENDING IN NO. OF COMPLAINTS AS AT 31.3.2016
Sl. Insurer type Name of the insurer Pending complaints as at
No. 31.3.2016 31.3.2015
1 LIC 0 0
2 Aviva Life 0 0
3 Life Insurers Bharti Axa Life 0 351
4 IDBI Federal Life 0 0
5 Max Life 0 4
6 Tata AIA Life 0 113
7 L&T General. 0 5
8 Magma HDI General 0 9
9 Non Life Insurers Max Bupa Health 0 0
10 Raheja General 0 0
11 Shriram General 0 0
12 Universal Sompo 0 0

TABLE: II.19
RECEIPT AND DISPOSAL OF GRIEVANCES REGISTERED IN DARPG PORTAL AND
REFERRED TO IRDAI (DURING THE PERIOD FROM 1.4.2015 TO 31.3.2016)
Grievance Source B/F Receipt During Total Cases Disposed Closing Balance as
Balance the Period Receipts of During the Period on 31/03/2016
DARPG 15 213 228 202 26
DPG 5 98 103 100 3
Local/Internet 35 618 653 597 56
Pension 1 3 4 3 1
PMO 0 934 934 785 149
President Secretariat 5 8 13 11 2
Total 61 1874 1935 1698 237

TABLE II.20
GRIEVANCES REFERRED TO IRDAI - PENDING AS AT 31.3.2016
Name of B/F as on Grievances Grievances Pending Pending Pending Pending Pending
Organisation 01/04/2015 Received Disposed as on 0 to 16 to 31 to more than
31/03/2016 15 days 30 days 60 days 60 days
IRDAI 61 1874 1698 237 133 54 50 0

91
 ANNUAL REPORT 2015-16
II.7 INSURANCE ASSOCIATIONS AND
INSURANCE COUNCILS
Life Insurance Council
II.7.1 Insurance Laws (Amendment) Act, 2015 was
notified on 23rd March 2015. Life Insurance Council
is a Statutory Body established under section 64C
of the Insurance Act 1938. As per the amendment,
the Executive Committee may make bye-laws for
the transaction of business. The Executive
Committee shall comprise of four elected members,
an eminent person not connected with Insurance
business, three persons to be nominated by the
Authority to represent Insurance Agents,
Intermediaries and Policy holders, one
representative each from self-help groups and
Insurance Cooperative Societies. Life Council
accordingly framed bye-laws after holding a series
of meetings of CEOs and other key representatives
of member companies and also hold elections in a
free and transparent manner.
Members of EC of Life Insurance Council is as
per below
1. Shri S.K.Roy, Chairman, LIC of India
(Chairman of EC)
2. Shri Anup Rau, CEO, Reliance Nippon life
3. Shri Tarun Chugh, CEO, PNB Met life
4. Shri Sandeep Ghosh, CEO, Bharti-AXA life
5. Prof Anup Kumar Sinha, Category: Eminent
Person not connected to Insurance Business
6. Shri Bharat Parekh, Category : Individual
Agent
7. Shri Vineet Arora, Category: Intermediaries
8. Shri M.P.Nagendra Mur thy, Category:
Policyholders
9. Dr.L.H.Manjunath, Category: Self Help Group.
92
Life Council held 2 EC meetings and 1 General Body
(GB) meeting in the FY 2015-16.
II.7.2 Brief outline of activities carried out by
Council in 2015-16.
Review Meeting of Insurance Awareness
Campaign in the State of Tripura IRDAI
held a review meeting of Life and General
Insurance Companies who had agreed to
undertake Insurance Awareness Campaign in
the State of Tripura on 30th September 2015
in Mumbai. Insurance Companies made a
presentation on the activities undertaken by
them in the first six months of FY 2015-16 and
they gave a roadmap on the activities they
propose to undertake in the next six months
of FY 2015-16.
Meeting of CEOs to discuss Sumit Bose
Committee Report Life Council organised
a meeting of CEOs of member companies to
discuss Sumit Bose Committee Report on
1st October, 2015 in Mumbai. Life Council after
seeking an extension of time, sent its detailed
response on the Committee report.
Pre-budget meeting - Union Budget 2016-
17 - Life Council received a letter from Ministry
of Finance dt 8th October 2015 requesting
Council to send the proposals on direct and
Indirect taxes for Union Budget 2016-17.
Accordingly, life council sought the views of
the member companies on direct and indirect
taxes and sent the final representation to
Ministry of Finance on 20th October, 2015. Life
Council was given an opportunity to make a
pre-budget presentation on 11th December,
2015 at New Delhi. Secretary , life council was
accompanied by tax heads of select member
companies on this occasion.
 ANNUAL REPORT 2015-16
Representation on Section 194DA of
Finance Act 2014 -
In this regard, Life Insurance Council engaged
the services of PWC and made a
representation to Ministry of Finance and on
the basis of it continued to follow up with MoF
for seeking clarifications on the same.
Fraud Monitoring Framework Based on
the feedback and guidance of general Body
(GB) of Council, Life insurance Council held
the first meeting on fraud repository for life
insurance on 21st August 2015. Based on the
inputs received from the core committee,
3 vendors were called for presentation and M/
s. Experian was shor tlisted by industry
representatives. On 6 th November 2015,
Council held another meeting with industry
representatives and M/s. Experian for drafting
standard agreement and for framing uniform
data standards that industry will be sharing
with Experian.
Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJJBY) The scheme was launched by
Government of India in May 2015. Life
Insurance Council was entrusted by DFS, MoF
GoI, with a mandate to develop and maintain
a Claim Registry for all death claims under
the above scheme. Life Insurance Council
invited RBI approved Credit Information
Companies (CIC) for initial discussion on 5th
June 2015 and subsequently on 10th June
2015 to understand the capabilities of all the
registered CICs. On 30th June 2016, CIBIL
was shortlisted as a vendor and awarded the
work of developing and maintaining the death
claim registry on behalf of Council. The registry
is live and insurance companies are using the
facility for de-duplication of claims under the
scheme. Secretar y, life council took a
delegation of select member companies and
93
met Principal Secretary, Government of
Maharashtra for waiver of stamp duty on
PMJJBY scheme.
Insurance Awareness on Tripura Insurers
submit monthly activity report before 5th of
every month to Council, which includes Tripura
adoption activities as well as overall initiatives
taken as a part of implementation of Insurance
Awareness Policy. The insurers conduct
sample surveys for evaluating the impact of
various consumer awareness initiatives using
NCAER survey format. Council Co-ordinates
with insurers and publishes monthly activity
reports on its websites.
CSC update - M/s. CSC e-Governance
Services India Ltd., a Special Purpose Vehicle
(CSC-SPV) has been licensed to enable
delivery of Insurance Services through CSC-
SPV network.Life Insurance Council being the
custodian of the On Boarding Corpus Fund
transfers @ ` 5,000 per Licensed RAP (Rural
Authorized Person) to CSC e-Governance
services India Ltd. through NEFT mode of
Payment. The details of CSC-SPV activated
centres along with the amount withdrawn from
the Corpus Fund are displayed accordingly on
the Life Insurance Council website as per the
list of activated Rural Authorized Person (RAP)
provided by CSC-SPV to Life Insurance
Council. As of 31st March 2016, the number of
activated Rural Authorized Person (RAP)
provided by CSC-SPV to Life Insurance
Council stands at 3373.
Quiz Competition IRDAI has organized
PAN India Insurance Quiz Competition for
Insurance Companies on account of
celebrating Insurance Awareness Day on
19th April 2016. In this regard Life Insurance
Council has played a vital role in coordinating
the activities related to Quiz Competition.
 ANNUAL REPORT 2015-16
Meeting of IRDAI Draft Regulations on
Expenses of Management Life Council
took a delegation of select CEOs, CFOs and
Appointed Actuaries to discuss IRDAI draft
Expense of Management regulations on
January 25, 2016 to meet Chairman IRDAI.
Members had a threadbare discussion on the
EoM draft regulations and its impact on the
industry for the consideration of IRDAI.
Meeting on IRDAI Draft Regulations on
Agency Commission Life Council had
organised a meeting of CEOs of member
companies on 20th February, 2016 in Mumbai
to discuss IRDAI draft regulations on
Commission. Members had a detailed
discussion and it was agreed that council will
take a delegation of select companies to meet
Chairman IRDAI to discuss the same.
Accordingly life council took a delegation of
select CEOs of member companies to meet
Chairman IRDAI on 22nd February, 2016 at
Hyderabad. The delegation put forth the
concerns on the draft regulations and IRDAI
agreed to consider the views mentioned by
the delegates.
Joint Meeting of Life Council and General
Council on IND-AS - Life Council along with
General Insurance Council organized a joint
meeting of CFOs and CIOs of all member
companies to discuss the Road Map for
Implementation of IND-AS and also evaluate
preparedness of the industry for this. Meeting
was held on 17th March 2016 at Mumbai.
Ms.V.R.Iyer, Member (F&I), IRDAI, chaired the
meeting. Senior Officials from IRDAI and
Consultants associated with the working group
of IND-AS also participated in the meeting.
Goods and Service Tax (GST) - Life Council
sent representation on GST to Ministry of
Finance. Council had meetings with Chairman
94
CBEC, GST Commissioner (Delhi), to discuss
the GST representation.
IIB Agreement Member companies had a
discussion on Professional Collaboration
Agreement for MMIC between IIB, IAI and Life
Council on 31st July, 2015 in Mumbai. Basis
the meeting it was decided to have a meeting
of IIB with Appointed Actuaries of life
companies. Accordingly the meeting of IIB with
Appointed Actuaries was held on 14th August,
2015 at Hyderabad. The professional
Collaboration Agreement for MMIC between
IIB, IAI and Life Council was signed on 11th
September 2015. As per the Agreement the
Council shall finance and fund the activities of
the IIB for conducting the study by way of non-
refundable grant on the basis of annual budget
estimates submitted by the IIB to be adjusted
annually based on the audited accounts
submitted by the IIB.
The Councils website continues to provide
statistical data, latest insurance news and
other information. The number of hits from
different geographies national and
international increased significantly after
upgrading its design and interlinking it with
websites of IRDA and all life insurers. Council
has also started displaying in its website the
following data from this financial year
2015-16
Data on number of products of life
companies
Data on Individual Agents of Life
Companies
New Business Data of Life Companies
Life councils website also displays daily NAVs of
Unit Linked Products of all life insurers.
 ANNUAL REPORT 2015-16
Life council made a number of
representations to IRDAI and Govt. of India
and some of the key representations are
as follows:
Representation on Micro Insurance
related issues.
Appeal to provide Level Playing Ground
for Discontinuance Norms under ULIP
Clarification on applicability of
Explanation 3 and 4 of Rule 6(1) of the
CENVAT Rules,2004 to Life Insurance
Business
FATCA Representation
Designated Grievance Redressal Officer
(GRO)
Handling of Unclaimed Amounts
pertaining to policyholders
Income Computation and Disclosure
Standard (ICDS)
Recovery of Service tax on Renewal
Fees
Prayer for common set of Guidelines for
a level playing field across all health
insurance providers.
Prayer to Dispense with Mandatory
training for Specified Persons in bank
(Corporate Agent)
Servicing of Orphan Policies that are in-
force
Retrospective Amendment to the
Payment of Bonus Act, 1965
Secretary, life council attended Regional
Advisory Committee(RAC) meeting of Service
Tax, Mumbai Zone as a member in the month
95
of February 2016 and expressed his views on
the issues concerning life insurance sector.
Council has been actively involved in meetings
with and conferences organised by CII, FICCI,
ASSOCHAM, ICAI, MMA,BIS,etc.
Secretary, Life Council, as a Director on the
Education Board of III and Member of Syllabus
Committee of III, attended the meetings
organised by III.
Secretary, Life Council is a member of
Insurance Price Index Committee constituted
by GoI.
Secretary, Life Council, as a member of Governing
Council of IIB and member of Finance & HR
Committee of IIB attended various meetings
organised by IIB.
GENERAL INSURANCE COUNCIL
II.7.3 Insurers carrying on general insurance
business, health business, reinsurance and other
specialized insurance business in India are the
members of the General Insurance Council (GI
Council). During the year, the existing General
Insurance Council was reconstituted as the self-
regulating representative body of general insurance
companies, health insurance companies and
reinsurance companies. Fur ther as per the
Insurance Law Amendment Act 2015 {Section 64F
(2)} GI Council has reconstituted the Executive
committee of the Council to consist of4 (four) elected
representatives from amongst the members of the
General Insurance Council elected in their individual
capacity in such manner as may be laid down in the
bye laws of the Council, an eminent person not
connected with the Insurance business, nominated
by the Authority, and Four persons representing
Insurance agents, Third Party Administrators,
Surveyors and Loss Assessors and Policyholders
to be nominated by IRDAI. As per Section 64 L (1)
 ANNUAL REPORT 2015-16
of the Insurance Act, the Council has the following
statutory functions:
i. to aid and advise insurers, carrying on general
insurance business, in the matter of setting
up standards of conduct and sound practices
and in the matter of rendering efficient service
to holders of policies of general insurance;
ii. to render advise to the Authority in the matter
of controlling the expenses of such insurers
carrying on business in India in the matter of
commission and other expenses;
iii. to bring to the notice of the Authority the case
of any such insurer acting in a manner
prejudicial to the interests of the holders of
general insurance policies;
iv. to act in any manner incidental or ancillary to
any matters specified in clauses (i) to (iii) with
the approval of the Authority as may be notified
by the Council in the Gazette of India.
II.7.4 The current membership strength of the
Council is 30, viz., 4 public sector insurers, 18 private
sector insurers, 5 standalone health insurers, two
specialized insurers (AIC & ECGC) and Indians
National Reinsurer, GIC Re. During the year, Council
provided a platform for the Heads of various
Underwriting Departments, CFOs, and other Senior
Executives of the member Companies for exchange
of their views, experiences and common concerns
affecting the industry in various spheres. These
forums also built the camaraderie and rapport
amongst their counterparts in competing companies.
The activities of these forums are the basic
foundation for the industry to enhance the adoption
of best practices and standards in core business
activities, enhancing customer service standards,
maintaining market discipline and development of
non-life insurance market in a healthy manner. In
all, 15 formal meetings were held under the aegis
of the Council covering ETASS, Health, Motor,
96
Property, Taxation and Compliance issues. Yet
another important activity worth mentioning in the
report is the interactive session, Secretary General
had with Honble Judges from 23/24 States dealing
with MACT claims at the National Judicial Academy
in Bhopal. The opportunity was utilized to highlight
the industrys position in respect of Motor TP claims
wherein the financial contribution of the insurance
industry towards the victims of motor accidents and
how the increasing trend in Court awards is causing
financial drain on the resources of the insurers to
meet their policyholder obligations. On IT Enabled
Member Services (i) live operationalization of ETASS
Coinsurance module for Fire LoB, (ii) Monthly figures
through ACORD online Messaging System, and (iii)
providing a consolidated claims database under
PMSBY for the participating insurers, are successful
ongoing activities/projects.
II.8 INSURANCE OMBUDSMEN
II.8.1 During 2015-16, the Seventeen Ombudsmen
centers spread across India have received a total of
26177 complaints. While 17257 complaints (66 per
cent) pertained to life insurers, the remaining 8920
complaints (34 per cent) related to non-life insurers.
This was in addition to 6782 complaints pending with
various offices of Ombudsmen as at the end of
March 2015.
II.8.2 During 2015-16, Ombudsmen disposed of
30266 complaints. Out of these complaints,
Ombudsmen declared 49.56 per cent of the
complaints as non-acceptable/not-entertainable.
Awards/recommendations were issued for 29.31 per
cent of total complaints. Other than this, 9.54 per
cent of the complaints were withdrawn/settled, while
nearly 11.59 per cent of the complaints were
dismissed. 2693 complaints were pending as on 31st
March, 2016.
 ANNUAL REPORT 2015-16

TABLE II.21
DISPOSAL OF COMPLAINTS BY INSURANCE OMBUDSMEN DURING 2015-16
Insurer Complaints Received Total Complaints No. of Complaints disposed by way of Complaints
O/S as during disposed O/S as on
on 1.4.2015 2015-16 during (I) (II) (III) (IV) 31.3.2016
2015-16
Life 4397 17257 21654 19645 5431 1956 1924 10334 2009
[27.65] [9.96] [9.79] [52.60]
Non-Life 2385 8920 11305 10621 3440 932 1583 4666 684
[32.39] [8.78] [14.90] [43.93]
Combined 6782 26177 32959 30266 8871 2888 3507 15000 2693
[29.31] [9.54] [11.59] [49.56]
Notes: O/S : Outstanding
(I) Recommendations / Awards (II) Withdrawal / Settlement (III) Dismissal (IV) Non-acceptance / Not-entertainable

97
 ANNUAL REPORT 2015-16
PART III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Section 14 of the IRDA Act, 1999 (IRDA Act) lays
down the duties of the Authority to regulate, promote
and ensure orderly growth of the insurance business
and reinsurance business. Sub-section (2) of the
said section lays down the powers and functions of
the Authority. Chapter III of the Annual Report covers
the activities of the Authority in 2015-16 while
carrying out its functions and exercising the powers
conferred on it.
III.1 Issue to the applicant a certificate of
registration, renew, modify, withdraw, suspend
or cancel such registration
III.1.1 The Insurance Laws (Amendment) Act, 2015
received the assent of the President of India on the
20th March, 2015 to amend the Insurance Act, 1938,
General Insurance Business (Nationalization) Act,
1972 and the Insurance Regulatory and
Development Authority Act, 1999.
Amendment of Section 2 of Insurance Act, 1938
defines "Indian insurance company" means any
insurer, being a company which is limited by shares,
and, (a) which is formed and registered under
the Companies Act, 2013 as a public company or is
converted into such a company within one year of
the commencement of the Insurance Laws
(Amendment) Act, 2015;(b) in which the aggregate
holdings of equity shares by foreign investors,
including portfolio investors, do not exceed forty-
nine per cent of the paid up equity capital of such
Indian insurance company, which is Indian owned
and controlled, in such manner as may be
prescribed.
Explanation.For the purposes of this sub-clause,
the expression "control" shall include the right to
99
appoint a majority of the directors or to control the
management or policy decisions including by virtue
of their shareholding or management rights or
shareholders agreements or voting agreements;
Consequent upon promulgation of Insurance Laws
(Amendment) Act, 2015, Insurance Regulatory
and Development Authority of India (Registration
of Indian Insurance Companies) (Seventh
Amendment) Regulations, 2016 were notified on
22.2.2016.
M/s. Kotak Mahindra General Insurance
Company Ltd has been granted Certificate of
Registration in November, 2015.
M/s. Edeweiss General Insurance Company
Limited and M/s. Kohinoor Reinsurance
Company Limited (now renamed as M/s. ITI
Reinsurance Limited) submitted requisition
application for registration (R1).
III.1.2 Amendment of Section 2 of Insurance Act,
1938 defines a foreign company engaged in re-
insurance business through a branch established in
India . For the purposes of this sub-clause, the
expression "foreign company" shall mean a
company or body established or incorporated under
a law of any country outside India and includes
Lloyd's established under the Lloyd's Act, 1871
(United Kingdom) or any of its Members:
Consequent upon promulgation of Insurance
Laws (Amendment) Act, 2015, foreign reinsurers
and Lloyds are being permitted to make
application to the Authority to set up branch office
in India. The Authority has notified two separate
regulations in respect of the same and they are
as follows:
 ANNUAL REPORT 2015-16
Insurance Regulatory and Development
Authority of India (Registration and Operations
of Branch Offices of Foreign Reinsurers other
than Lloyds) Regulations, 2015 on
19.10.2015.
IRDAI (Registration and Operations of Branch
Offices of Foreign Reinsurers other than
Lloyds) (First Amendment) Regulations, 2016
on 28.1.2016
Insurance Regulatory and Development
Authority of India (Lloyds India) Regulations,
2016 on 9th March, 2016
Consequent upon notification of said regulations,
the following foreign reinsurers applied for
Registration of foreign reinsurance branch office in
India during November, 2015:
Munich Re, Germany
Swiss Re , Switzerland
Hannover Re, Germany
Scor Se, France
RGA Re, Canada
M/s. Gen Re, Germany has also filed requisition for
registration application during June, 2016.
III.1.3 As per the prescribed procedure, on-site
inspection of regulated entities is the responsibility
of the Inspection department. The completed reports
are being forwarded to the inspected entities for
comments/compliance and thereafter the final
inspection report is passed on to the Enforcement
Department. The responses/compliances received
from the inspected entities are analyzed and a
proposed course of action finalised by the
enforcement depar tment is submitted to the
concerned Whole Time Members (WTM) for their
comments/inputs within 10 days time. After taking
100
care of the comments from the WTMs, the proposed
course of action would be submitted to the Chairman
for approval. Thus all the inspection reports are
being closed through show cause notice, personal
hearing, final actions like penalty, warning etc. The
Government of India has promulgated the Insurance
Laws (Amendment) Ordinance 2014 on 26 th
December 2014 which was later on replaced with
the Insurance Laws (Amendment) Bill 2015 and
passed in both the houses of Parliament and finally
enacted on 22nd March 2015. As per this the penalty
provisions were amended and the imposition of
penalties would be by a process of adjudication in
respect of some Sections of the Act. The adjudicating
officer would be appointed who would be at least at
the level of Joint Director in IRDAI. Basic factors to
be taken into account before deciding on the
quantum of penalty are provided in the Act. All
appeals against the orders of IRDAI would lie with
the Securities Appellate Tribunal (SAT). The details
of monetary penalties levied are given in Annexure
10(i) and 10(ii).
III.1.4 Apart from monetary penalty levied as above,
other penal actions were also initiated on non-
compliances observed with other entities. Further,
the Authority also issued warnings, specific orders /
directions to the regulated entities who were found
to be non-compliant with the regulatory stipulations.
III.2 Protection of the interests of policyholders
in matters concerning assigning of policy,
nomination by policyholders, insurable interest,
settlement of insurance claim, surrender value
of policy and other terms and conditions of
contracts of insurance.
III.2.1 The Authority has brought out regulations
providing for various dos and donts for insurers and
intermediaries at the point of sale, point of claim,
etc. The Authority has also prescribed Time frames
 ANNUAL REPORT 2015-16

for rendering various services to policyholders under b) Registering cancellation or change of

the regulations. Further, the regulations mandate nomination by the holder of policy of life
insurers to have in place an effective mechanism insurance as `50/- for policies issued in
for redressal of policyholder grievances. The electronic form and `100/- for other than
Authority, through its Consumer Affairs Department electronic form.
has set up a Grievances Cell for policyholders of
III.2.3 The Authority has advised all the insurance
life and non-life insurance companies. Apart from
companies not to reject the genuine claims intimated
playing a facilitative role in helping policyholders
or submitted at a later date than the time specified
getting their grievances redressed by insurers within
in the policy, due to unavoidable circumstances. The
the stipulated time, the Authority also examines on
insurers decision, to reject a claim due to delay in
a continuous basis, the underlying issues that cause
submission of intimation or documents, shall have
grievances and works towards rectifying the
to be based on sound logic and valid grounds as
systemic issues involved. The Authority has also
the time limitation clause is neither absolute nor does
issued Guidelines for Grievance Redressal by
work in isolation. As such an insurer shall not
Insurers which mandates all insurers to have in place
repudiate any claim unless and until the reasons of
a Board approved Grievance Redressal policy and
delay are specifically ascertained, recorded and
a Policyholders protection committee as stipulated
insurers satisfy themselves that those claims would
in the guidelines for Corporate Governance. The
have otherwise been rejected even if reported in
Guidelines also prescribe Grievance Redressal
time.
Procedures, Turn Around Times, and lay down the
circumstances in which complaint is treated as III.2.4 Various issues relating to Unclaimed amounts
closed. The said Guidelines have been reiterated have been addressed through Circulars as under:
from time to time for strict adherence while handling
a) Unclaimed amounts defined - Unclaimed
the complaints/grievances received from
amount includes any amount payable to
policyholders/Ministries/Regulators and other
Policyholder as death claim, maturity claim,
statutory agencies. It is also emphasized about the
survival benefits, premium due for refund,
need to review the systems in place to sensitize not
premium deposit not adjusted against
only frontline staff but also customer service staff/
premium and indemnity claims etc. remained
officials at all levels of the organization on handling
unclaimed beyond six months from the due
policyholder grievances with seriousness,
date for settlement of the claim amount.
promptness and empathy to enhance the trust and
confidence in the insurance sector. b) Unclaimed amounts need to be maintained
as a Single segregated fund with Investment
III.2.2 Consequent to provisions in The Insurance
mandated in Money market instruments and/
laws(Amendment) Act,2015, the Authority issued
or fixed deposits of scheduled banks.
Regulations prescribing the maximum fee that can
Recovery of expenses capped at 20 basis
be charged by the Insurers for :
points. Information of unclaimed amounts
a) Granting written acknowledgement of the needs to be disclosed on website and the Bank
receipt of notice of assignment account mandated to be linked for all new

101
 ANNUAL REPORT 2015-16
policies. Communication to policyholders
mandated and ageing repor ting format
prescribed. No appropriation or write back
allowed.
c) Unclaimed amounts shall not be counted for
solvency margin and reporting on aging of the
unclaimed amounts as also disclosures in the
notes to Accounts are prescribed. From the
financial year 2016-17 onwards, the
Investment income earned was mandated to
be allocated to the unclaimed amount fund. It
was also prescribed that the Insurer pays the
identified unclaimed amount along with the
Investment Income so credited to the Insured/
policyholders/claimants. In case of any award/
order made by statutory body including a
court, which includes an interest component,
it shall not carry any further interest.
III.2.5 To enable access to data relating to insurance
status of motor vehicles with a view to assisting road
accident victims or claimants of motor third party
insurance, the Authority, through the Insurance
Information Bureau, has provided a web based
facility. The facility provides the users the details of
the vehicle, insurance status and address of the
policy issuing office.
III.2.6 Keeping in mind the gap created by the exit
of insurance agents in servicing the life insurance
policies and also to promote the persistency of
insurance policies, the Authority has prescribed that
insurance companies allot lapsed orphan life
insurance policies to individual insurance agents
whose license is in force. The allotted agents details
would be intimated by the insurer to the policyholder
concerned.
III.2.7 While health insurance is growing rapidly;
there are complaints with regard to variable
interpretations of key policy terms. In order to
102
address the expectation of the prospect/policyholder,
the Authority has standardized definition of 46
commonly used terms in health insurance policies,
nomenclature and coverage for 11 critical illnesses
and list of exclusion expenses under indemnity
policies. Also, Health Insurance Regulations, 2013
have been notified which, inter alia, prescribe free
look period of 15 days for health policies, a time
limit of 30 days from the date of receipt of last
document for conveying a decision on claims,
provisions relating to portability, standard definitions
and special provisions for senior citizens.
III.2.8 The Regulations on Treatment of discontinued
linked insurance policies, 2010 was modified to give
the policyholder the right to revive policies within
two years from the date of dis-continuance
irrespective of the end of the lock in period.
III.2.9 The Life Insurance Companies were directed
to spread awareness among public about Spurious
Phone Calls and Fictitious /Fraudulent Offers by
carrying cautionary message in all advertisements.
III.2.10 On noticing that in deferred annuity plans,
non-receipt of Annuity Option from the policyholders
before the vesting date is leading to delay in the
commencement of annuity on vesting date and
consequent inconvenience/loss to annuitants, in
order to protect the policyholders interests, the
Authority mandated as under in respect of deferred
pension/annuity plans where all Annuities falling due
from 1st April 2016.
The Insurer shall obtain Annuity Option duly
exercised by the proposer at the proposal stage.
Necessary provision shall be made in the
proposal forms. The same shall be captured in
the proposal/policy record.
In all the deferred annuity policies where the life
insurer has not obtained Annuity Option exercised
 ANNUAL REPORT 2015-16
by the proposer at proposal stage, the same may
be obtained and captured in the policy records
without further loss of time.
At least 6 months prior to the vesting date, the
Insurer shall send a communication to the
Policyholder intimating the Annuity amount under
various options available and the selected option.
Insurer shall provide an opportunity for the
policyholder to review his decision based on the
latest information and select any other annuity
option than what he/she selected earlier. Insurer
shall clearly inform the policyholder in that
communication that the last date for receipt of
revised option, if any, is at least 90 days prior to
the date of vesting giving a specific date.
If no revised option is received at least 90 days
prior to date of vesting, the Insurer may go ahead
and process the annuity payments as per the
original option exercised at the proposal stage/
collected later as stated at Point 2. If a revised
option is exercised by the policyholder which is
received by the Insurer at least 90 days prior to
the date of vesting, the annuity payments are to
be processed and released according to the
revised option.
III.2.10 To attend to the insurance claims arising
out of loss of life and belongings due to Cyclone
Hudhud in AP and Odisha, the Authority directed
the Insurers to simplify the process and take certain
proactive steps to expedite claim settlement.
III.2.11 The Authority mandated that All insurance
products shall provide the prospective policyholder
a customized benefit illustration, illustrating the
guaranteed and nonguaranteed benefits at gross
investment returns of 4% and 8% and as specified
by IRDAI or Life Insurance Council from time to time.
It was also advised that wherever the illustration is
given in advertisements, it must be with both the
103
scenarios with investment returns of 4% and 8%
with equal prominence in font size, at the same place
and in the same page to enable the prospects to
compare both scenarios; so as to give better
appreciation of possible benefit depending on the
yield.
III.2.12 To improve the persistency rates alongside
significant business growth, the Authority mandated
the methodology and other requirements like Board
approved persistency report along with Appointed
Actuarys report. The mandate is also intended to
achieve uniform and systematic methodology in the
calculation of persistency rate in all regulatory
reporting and internal assessments.
III. 3 specifying requisite qualifications, code of
conduct and practical training for intermediaries
or insurance intermediaries and agents.
The licensing and code of conduct for all the
intermediaries in the Insurance business are
specified clearly in the regulations framed under the
IRDA Act,1999 vide Insurance Surveyors and Loss
Assessors (Licensing, professional requirements
and code of conduct), Regulations,2000, Insurance
regulatory and Development Authority (Insurance
Brokers Regulations), 2002, Insurance Regulatory
and Development Authority of India
(Appointment of Insurance Agents) Regulations,
2016 and Insurance Regulatory and
Development Authority of India (Registration of
Corporate Agents) Regulations, 2015.
The following Regulatory frame work has been
prescribed by the Authority to further strengthen the
regulatory supervision.
1) IRDA (Sharing of Database for Distribution of
Insurance Products) Regulations, 2010 to
streamline the tie-ups between insurers and
referral companies. It also prescribes ceiling
 ANNUAL REPORT 2015-16
on remuneration payable to referral entities
and lays down the frame work under which
the referral entities and insurers have to
conduct insurance business.
2) Issued Circular no: IRDA/DIST/GDL/MISC/
183/09/2013 dated 11.09.2013 permitting
Agriculture Insurance Company to utilize
services of other life and/or non-life insurance
companies to distribute their products.
3) Issued Circular No. IRDA/AGTS/CIR/GLD/
046/03/2015 dated 16.03.2015 notifying the
Guidelines on Appointment of Insurance
Agents,2015 which shall come into force with
effect from 01.04.2015.
4) As per Circular No. IRDA/AGTS/CIR/GLD/081/
04/2015 dated 22.04.2015 new course
material IC 32 is launched w.e.f. 01.07.2015.
Candidates who qualify in IC-32 shall be
eligible to be appointed by Standalone Health
Insurer as agents. Also new syllabus for IC 33
with Health Insurance chapters launched w.e.f.
01.07.2015.
5) Issued instructions for obtaining Certificate of
Registration under IRDAI (Registration of
Corporate Agents) Regulations, 2015 vide
Circular Ref: IRDAI/CAGTS/GDL/LCE/202/11/
2015 dt 18.11.2015.
6) Issued Circular No. IRDA/CAGTS/CIR/LCE/
029/02/2016 dt 10.02.2016 on clarifications on
IRDAI (Registration of Corporate Agents)
Regulations, 2015.
III.4 Specifying the code of conduct for surveyors
and loss assessors
III.4.1 The duties and responsibilities of a surveyor
and loss assessor are specified in Chapter IV of the
IRDAI (Insurance Surveyors and Loss Assessors)
104
Regulations, 2015. The Regulation 13 inter alia
states that:
It shall be the duty of every Licensed Surveyor
and Loss Assessor to investigate, manage,
quantify, validate and deal with losses(whether
insured or not) arising from any contingency and
report thereon to the insurer or insured.
All licensed surveyors and loss assessors shall
carry out the said work with competence,
objectivity and professional integrity strictly
adhere to the code of conduct as stipulated in
IRDAI(Insurance Surveyors and Loss Assessors)
Regulations, 2015.
III.4.2 Further, in order to protect the interest of
policyholders, the Authority has framed the IRDA
(Protection of Policyholders Interest) Regulations,
2002. Adherence to code of conduct by surveyors
and loss assessors has been further emphasized
under Regulation 9 of the said Regulation, while
dealing with settlement of claims in respect of nonlife
insurance policy.
During the year 2015-16, the Authority has issued
the following surveyors related Circulars/Orders:
A circular no. IRDA/NL/Cir/Misc/129/07/2015
dated 14 th July, 2015 on Appointment of
Surveyors and Loss Assessors issued to all
CEOs of General Insurers advising them to
strictly comply with the regulatory requirement
that no person other than insurer and insured
can appoint surveyor and loss assessors within
72 hours of intimation of claim to assess loss
above rupees twenty thousand under policy of
insurance in respect of general insurance
business.
IRDAI(Insurance Surveyors and Loss Assessors)
Regulations, 2015 were notified in the Official
Gazette on 3 rd November, 2015. These
 ANNUAL REPORT 2015-16
Regulations supersede Insurance Surveyors and
Loss Assessors(Licensing, Professional
Requirements and Code of Conduct)
Regulations, 2000.
An Order No. IRDA/SUR/ORD/MISC/226/12/
2015 dated 22 nd December, 2015 on re-
constitution of Committee of Surveyors and Loss
Assessors in terms of Regulation 10 of the
IRDAI(Insurance Surveyors and Loss Assessors)
Regulations, 2015(Surveyors Regulations). The
term of the Committee shall be for a period of
three years from the date of constitution of
committee. The Committee shall discharge the
functions as laid down in the Regulation 11 of
the Surveyors Regulations.
Order No. IRDA/SUR/ORD/MISC/028/02/2016
dated 12th February, 2016 in the matter of Shri
Sanjeev Soni, Surveyor and Loss Asssessor
Under License No. 15006.
Order No. IRDA/SUR/MISC/ORD/030/02/2016
dated 16th February, 2016 on Appointment of
Election Officer to conduct 8th Council Elections
of Indian Institute of Insurance Surveyors and
Loss Assessors (IIISLA) for 4 zonal vacancies.
Order No. IRDA/SUR/ORD/MISC/034/02/2016
dated 25th February, 2016 in the matter of Shri
Munish Prashar, SLA 72810 and M/s Puri
Crawford ISLA Pvt. Ltd. SLA 72398
III.5 Promoting efficiency in the conduct of
insurance business
Insurance Repositories
III.5.1 The Insurance Repository System is an
initiative of the Authority to de-materialise insurance
policies. To achieve this objective, the Authority
issued the guidelines on Insurance Repositories and
electronic issuance of insurance policies in April,
105
2011. The Authority granted cer tificates of
registration to five entities to act as Insurance
Repositories
III.5.2 The Authority has further issued Guidelines
on Pilot launch of the Insurance Repository System
for boosting the existing system and understanding
the market trend. The feedback on this initiative was
very positive and an approximate 1.8 lakh eIA
(electronic Insurance Accounts) have been opened.
Further, around 50,000 policyholders evinced
interest for conversion of their hard copy in electronic
form.
III.5.3 Subsequently in May, 2015, the Authority has
issued the Revised Guidelines on Insurance
Repositories and electronic issuance of Insurance
policies. At present, there are total 8,07,705 eIA
accounts and a total of 4, 11, 832 policies
converted into electronic mode.
The list of approved Insurance Repositories is given
in Table III.1
TABLE III.1
INSURANCE REPOSITORIES APPROVED BY
THE AUTHORITY (AS AT 31 MARCH, 2016)
Sl.No. Name
1 National Insurance-policy Repository,
NSDL Database Management Limited
2 CDSL Insurance Repository Limited
3 CAMS Repository Ser vices Limited,
Chennai
4 Kar vi Insurance Repositor y Limited,
Hyderabad
Electronic Transaction Administration and
Settlement System (ETASS)
III.5.4 The Electronic Transaction Administration and
Settlement System (ETASS) is a clearing house
system that facilitates sharing of documents and
 ANNUAL REPORT 2015-16
accounting statements pertaining to the coinsurance
and reinsurance transactions and is designed to aid
easy reconciliation of inter-entity balances. ETASS
shall provide electronic functionality for automated
negotiation, deal placement, binding of risks,
documentation, accounting, reconciliation and
settlement of balances, messaging, risk
management, etc. The ETASS system shall strive
to bring complete transparency into reinsurance and
coinsurance operations while addressing the
security and privacy needs of the members.
III.5.5 The Authority had entrusted responsibility of
developing and implementing the ETASS system to
the General Insurance (GI) Council. The GI Council
involved the Non-Life Insurers during the
development, testing and implementation of the
ETASS. In its first phase, the ETASS is designed to
support the Fire coinsurance transactions and was
formally launched on 27th April, 2015. The Authority
in order to facilitate smooth operationalization of the
ETASS and for its continued development and
patronage had issued Guidelines for ETASS
Administration on 11th May, 2015. The GI Council
has been designated as the Administrator and is
entrusted with the responsibility of extending the
ETASS system to support the needs of other lines
of coinsurance business and later to reinsurance.
III.5.6 GI Council has made live the Phase 2 of
ETASS dealing with coinsurances in the Fire Line of
Business (LoB) along with settlements online on 01st
April, 2016. The ETASS phase 2 is successful in
providing a common platform for reconciliation and
settlements between the companies for
coinsurances in the Fire LoB. As a part of ETASS
Phase 2, GI Council has also undertaken to upgrade
the hardware and the security features in order to
secure the data and provide safe access methods
to the companies to transact over the ETASS
platform. GI Council plans in ETASS phase 3 likely
106
to be operational by 01st January 2017, to bring in
all the LoBs, and handle all coinsurances through
the platform with a mechanism for seamless transfer
of net amounts.
Data Standards
III.5.7 The Authority had embarked on the task of
compiling the data standards to facilitate easy
interfacing of IT systems of multiple entities in the
insurance sector. The data standards bring about
common definitions for the information exchange.
This helps in easy interfacing of multiple systems
both within and outside an organization.
III.5.8 In order to support the Insurance Repository
System, standard Extensible Markup Language
(XML) schema consisting of the field definitions, field
properties and message content was earlier shared
for exchange of data between multiple players for
the Life Segment. Similarly, schemas have been
finalized to support the needs of Health and Motor
lines of business. These schemas would support the
individual lines of Non-life insurance transactions
in the Insurance Repository System.
International Financial Service Centre
III.5.9 The Government of India with the objective of
creating high value jobs from financial services
sector in the country and to open an avenue into
financial globalisation had set up International
Financial Service Centre (IFSC) at GIFT City,
Gujarat. One of the main objectives of the IFSC is
to provide an environment where controlled
experiments with new ideas in policy can take place.
As a part of this initiative, Government of India had
identified Reinsurance business as one of the
activities to be allowed under the regulatory
supervision of the Authority. The Authority had issued
the International Financial Ser vice Centre
Guidelines, 2015 on 06th April,2015 that allows an
 ANNUAL REPORT 2015-16
Insurer who was granted certificate of registration
by the Authority or any Insurer registered with a
foreign regulatory or supervisory Authority to
establish an IFSC Insurance Office (IIO) in the SEZ
to carry on Reinsurance Business/specified Direct
Insurance Business within the SEZ. However, IIO
shall follow the terms and conditions for underwriting
the business of insurance and reinsurance within
the overall scope of IRDAI(Regulation of Insurance
Business in SEZ) Rules, 2015. The Authority has
received a application from The New India
Assurance Company Limited for opening of IIO at
GIFT City, Gujarat. The IFSC would thus provide
the required platform for the creation of Reinsurance
Hub in the country where domestic as well as
foreign reinsurance business can be transacted.
III.6 Promoting and regulating professional
organizations connected with the insurance and
reinsurance business
III.6.1 The Life Insurance Council and the General
Insurance Council which are statutory bodies under
the Insurance Act, 1938, represent the life insurance
companies and non-life insurance companies
respectively. These councils contribute towards
healthy growth of the industry by way of discussions,
representations before various authorities, spreading
insurance awareness, providing inputs on existing/
proposed regulatory stipulations. Development of
these self-regulatory bodies augurs well for the
industry to put across their view points on critical
areas for the growth of the industry.
In similar lines, brokers licensed by the Authority
are necessarily required to be members of the
Insurance Brokers Association of India (IBAI).
III.6.2 Indian Institute of Insurance Surveyors and
Loss Assessors (IIISLA), an institute promoted and
established by the Authority and incorporated under
107
Section 25 of the Companies Act, 1956.
Membership of the institute is mandatory for grant
of surveyor licence. The institute works as self-
regulatory body.
Health Insurance forum
III.6.3 The Health Insurance Forum was constituted
on 2 nd February 2012 with representation from
various stakeholders of the health insurance sector
including the Authority, insurers providing health
insurance, third par ty administrators, the
Government, hospitals, medical colleges and
industry bodies. The basic objective for formation of
the forum is to provide a common platform for all
the stakeholders relevant to the Health Insurance
business and to deliberate on various issues related
to both products and deliverables in respect of Health
Insurance, with a view to improve the service delivery
to the general public who are the ultimate consumers
of Health Insurance Services.
III.6.4 During the financial year 2015-2016, the forum
met once in the month of December 2015. The topics
which were taken up for discussion were revision of
Nomenclature of Critical Illnesses, modifications to
the Standard Definitions, designing cover for the
Mentally and Physically disabled etc., Registry of
Hospitals in Network of Insurance (ROHINI) and
revisiting of TPA Regulations by IRDAI in the light of
Insurance Laws (Amendment) Act 2015 and other
amendments to existing Regulations.
The forum intends to work further on these areas
through sub-groups and for creation of an enabling
environment to encourage new players in the Health
Insurance Industry thereby enhancing the availability
of affordable Health Insurance for all the people of
our country.
 ANNUAL REPORT 2015-16

BOX ITEM 2
CORPORATE GOVERNANCE FRAMEWORK FOR INSURANCE COMPANIES
The Companies Act, 1956 was replaced to a large extent, by the Companies Act, 2013, which had introduced many
stipulations regarding governance of companies. The Insurance Act, 1938 was also significantly amended in December,
2014 and consequently, many new Regulations were issued by the Authority. In this backdrop it was felt necessary to
review the stipulations of the Insurance law and the Regulatory framework regarding the corporate governance
practices and guidelines applicable to insurance companies in India.
The Authority, after interactions with all the stakeholders, issued the revised Corporate Governance Guidelines for
insurance companies on the 18th May, 2016. The revised guidelines combine the stipulations regarding the Corporate
Governance practices, appointment of MD/ CEO/ WTD and other Key Management Persons (KMPs) as well as the
appointment of statutory auditors of insurers. The guidelines require all insurers to furnish a checklist to the Authority
on an annual basis indicating the compliance position with regard to the corporate governance stipulations. These
are applicable from FY 2016-17 onwards.
Considering the peculiar nature of the insurance industry, the guidelines incorporate special provisions relating to the
Committees of the Board, the qualifications and experience criteria for auditors, independent directors, corporate
social responsibility obligations, etc. The guidelines have closely aligned the stipulations for insurance companies
with the provisions of the Companies Act, 2013. The appointment and reporting of the Key Management Persons
(KMPs) and the members of the Board of directors has been integrated into the Corporate Governance Guidelines.
Insurance companies need to ensure proper procedure of recommendation by the Nomination and Remuneration
Committee for the appointment of KMPs by the Board and would need to maintain proper records of due diligence in
respect of such appointments.
The guidelines also provide for various kinds of disclosures in the Annual Reports by the insurance companies. The
guidelines seek to benchmark the governance standards and practices as well as the disclosure requirements of the
insurance companies with that of the listed entities.
The Authority has also issued guidelines regarding the remuneration of the MD & CEO and the Non-Executive
Directors. The guidance mainly relates to the various components of the remuneration, both fixed and variable and
the manner of payment of the same. The remuneration and compensation policy and the payment of incentives
should be under a Board approved policy and should be uniformly implemented across the organization.

III.7 Levying fees and other charges for carrying

out the purposes of the Act
III.7.1 The existing fee structure for insurers and
intermediaries is indicated in Annexure 2.
III.8. Calling for information from, undertaking
inspection of, conducting enquiries and
investigations including audit of the insurers,
intermediaries, insurance intermediaries and
other organizations connected with the
insurance business
III.8.1 The Authority, through the Inspection
Department, pursues its on-site supervision of the
regulated entities with regard to their observance
of / compliance to provisions of relevant Acts,
Regulations, Guidelines/ Circulars, Directions,
Standards, etc.
III.8.2 Section 33 of Insurance Act, 1938 and
Sec.14(2)(h) of the IRDAI Act, 1999 lay down the
statutory provisions to carry out on-site inspection
including investigation of insurance companies,
intermediaries, insurance intermediaries and other
organizations connected with the insurance
business. Supervisory oversight, at the minimum
involves a two-pronged approach, viz., off-site
examination and on-site inspection. Comprehensive
and focused inspections are undertaken at the site
of the regulated entities for assessment of their
functioning by examination of relevant records,

108
 ANNUAL REPORT 2015-16
books of accounts and business activities. The
standard manuals on inspection are suitably
customized to assess the specific compliance status
of various regulatory provisions and all other
applicable laws, risk appetite of the promoters/
directors, business planning, risk management and
corporate governance framework and overall risk
profile.
III.8.3 During FY 2015-16, the Inspection
Department has conducted 58 inspections, the
details are as under:
- 5 Life Insurance Companies
- 3 General Insurance Companies
- 2 Health Insurance Companies
- 11 Insurance Brokers
- 14 Third Party Administrators
- 10 Web Aggregators
- 9 Corporate Agents, and
- 4 Focused Inspections.
The areas of the focus inspections included
grievance redress mechanism of the insurers,
payments to specific class of intermediaries and
other related entities, and specific complaints
received by the Authority.
III.9 Control and regulation of rates, advantages,
terms and conditions that may be offered by
insurers in respect of general insurance
business not so controlled and regulated by the
Tariff Advisory Committee under section 64U of
the Insurance Act, 1938 (4 of 1938)
III.9.1 With de-tariffing of non-life industry w.e.f 1st
January, 2007, for all classes of tariff business except
motor third party cover, the first steps were initiated
to ensure that the insurance companies have the
freedom in pricing of the products. For motor third
party cover, which is a statutory insurance cover
109
required under the provisions of Motor Vehicles Act,
1988, the Authority has retained the powers to
determine the rates, terms and conditions. The
Authority vide order no. IRDA/NL/NTFN/MOTP/066/
04/ 2011 dated 15th April, 2011 notified that long
intervals between rate revision puts an avoidable
strain on policyholders as well as on the insurance
companies and therefore the rates would be
reviewed and adjusted annually in line with the
formula notified by the Authority. As per the
prescriptions, the revision in the premium rates has
been pegged to the cost inflation index, average
claim amounts, frequency and expenses involved
in servicing the motor TP business.
(a) The Authority notified Insurance Regulatory
and Development Authority of India (Obligation
of Insurer in respect of Motor Third Party
Insurance Business) Regulations, 2015 on 2nd
June, 2015.
(b) The Authority issued a circular (Ref: IRDA/NL/
CIR/MOTP/196/11/2015 dated 4th November,
2015) on Motor Third Party Premium rates for
e-carts [A3/A4], e-rickshaws [C1(b)] and
Passenger premium for Motorized two wheeler
Carrying Passengers for Hire or Reward [C4].
(c) The Authority (vide circular Ref. No.: IRDA/NL/
CIR/NISC/051/03/2016 dated 15 th March
2016) decided to dismantle the Indian Motor
Third Party Declined Risk Pool for Commercial
Vehicle (Act only Insurance) with effect from
1st April, 2016.
(d) The Authority issued an order on premium
rates for Motor Third Party Liability Insurance
Cover for FY 2016-17 (Ref:IRDA/NL/NFTN/
MOTP/060/03/2015 dated 28.03.2016)
(e) Insurance Information Bureau of India, vide
Ref: IIB/OLB/29/2015-16, dated 2nd February
 ANNUAL REPORT 2015-16
2016 issued guidelines on Pricing of Risk
related to Loss Costs in respect of Standard
Fire and Special Perils (SFSP Policy).
III.10 Specifying the form and manner in which
books of accounts shall be maintained and
statements of accounts shall be rendered by
Insurers and other insurance intermediaries
III.10.1 The financial statements of insurers are
prepared in the form and manner prescribed under
the IRDA (Preparation of Financial Statements and
Auditors Repor t of Insurance Companies)
Regulations, 2002, amended from time to time and
also by various circulars and guidelines issued from
time to time. Books of accounts are maintained in
order to present various line items as required under
these Regulations.
In case of intermediaries, books of accounts and
financial statements are required to be maintained
in the form and manner prescribed under the
respective regulations/ circulars/ guidelines.
Wherever the Authority has not prescribed the form
and manner in which books of accounts are to be
maintained, provisions of Companies Act/Rules and
other applicable Acts/Rules apply.
III.11. Regulating investment of funds by
insurance companies
III.11.1 Investment of funds by the insurance
companies is regulated by the IRDA (Investment)
Regulations, 2000, amended from time to time and
by various circulars and guidelines issued from time
to time.
III.11.2 Providing alternate investment avenues:
During 2015-16, the Authority had permitted the
insurers to invest in GILT-ETF as a part of Approved
Investments in line with investments in Mutual
110
Funds. GILT ETFs shall be investing in a basket of
Govt. Securities Actively Traded in the market or
constituents of a publicly available index. The
minimum investment by the Insurer shall not be less
than Creation Unit size and shall not be reduced at
any time below Creation Unit Size and value of
Creation Unit Size, at the time of investment, shall
not be more than `50 lakhs. The Overall Expense
Ratio shall be less than 0.50% of the daily net assets
of the scheme.
III.12 Regulating maintenance of margin of
solvency:
III.12.1 Every insurer is required to maintain a
Required Solvency Margin as per Section 64VA of
the Insurance Act, 1938. Every insurer shall maintain
an excess of the value of assets over the amount of
liabilities of not less than an amount prescribed by
the IRDA, which is referred to as a Required
Solvency Margin. The IRDA (Assets, Liabilities and
Solvency Margin of Insurers) Regulations, 2000
describe in detail the method of computation of the
Required Solvency Margin.
III.12.2 In the case of life insurers, the minimum
Required Solvency Margin is rupees fifty crore
(rupees one hundred crore in the case of reinsurer)
and arrived at in the manner specified by the
Authority. The Insurance Laws (Amendment) Act,
2015 specifies a level of solvency margin known as
control level of solvency, on the breach of which,
the Authority shall direct the insurer to submit a
financial plan indicating a plan of action to correct
the deficiency within a specified period not exceeding
six months.
III.12.3 In the case of non-life insurers, the Required
Solvency Margin shall be the maximum of the fifty
percent of minimum capital requirement for the
insurer or reinsurer; or higher of RSM-1 and RSM-2
computed as under:
 ANNUAL REPORT 2015-16

RSM-1 means the Required Solvency Margin
based on net premiums, and shall be determined
as twenty per cent of the amount which is higher
of the Gross Premiums multiplied by a Factor A
and the Net Premiums. For the purpose of
calculation of RSM1, premium of the last 12
months on rolling basis will be taken into account.
RSM-2 means the Required Solvency Margin
based on net incurred claims, and shall be
determined as thirty per cent of the amount which
is the higher of the Gross Incurred Claims
multiplied by a factor B and the Net Incurred
claims.

BOX ITEM 3
NOTIFICATION OF IND-AS
The Companies (Indian Accounting Standards) Rules, 2015 were notified vide G.S.R. 111(E) dated 16th February
2015] by Ministry of Corporate Affairs (MCA). The Rules came into force from 1st April 2015 and are applicable in a
phased manner to specified companies. However, insurance companies, banking companies and non-banking finance
companies were exempt from this requirement.
Press Release on Ind AS in Insurance Sector :
In the press release dated 18th January 2016 MCA has laid down the roadmap for implementation of Ind AS for the
insurance sector. It requires insurers/insurance companies to prepare Ind AS based financial statements for accounting
periods beginning from April 1, 2018 onwards with comparatives for the periods ending 31st March 2018 or thereafter.
Insurers shall apply Ind AS only if they meet the specified criteria. They shall not be permitted to adopt Ind AS earlier.
This however, does not preclude an insurer/insurance company from providing Ind AS compliant financial statement
data for the purposes of preparation of consolidated financial statements by its parent/investor as required by the
parent/investor to comply with the existing requirements of law.
Initiatives of IRDAI on Ind AS
The Authority, in order to prepare the insurance industry for Ind AS and to provide suitable guidelines wherever
required has taken the following initiatives
1. The Authority has constituted an Implementation Group vide Order reference IRDA/F&A/ORD/ACTS/201/11/
2015 dated 17th November 2015. The Implementation Group consists of Accountants, Actuaries, Industry experts
and officials of the Authority.
The Implementation Group has been mandated, under the terms of reference, to examine the implications of
implementing Ind AS, address the implementation issues and facilitate formulation of operational guidelines to converge
with Ind AS in the Indian Insurance sector.
Various sub-groups were formed under the Implementation group to have a focused study on various Ind AS. Sub-
groups have met many times in Hyderabad and Mumbai. Reports of various sub-groups are under finalization.
2. Proforma Ind AS financial statements
The Authority has directed vide circular dated 1st March 2016 that insurers will have to submit proforma Ind AS
financial statements from quarter ended 31st December 2016 onwards.
Insurers have been advised to plan the changes required for systems and processes towards implementation of Ind
AS and to set up the Steering Committee within their respective organisations, comprising members from cross-
functional areas to initiate the implementation process. The oversight on implementation process is required to be
done by the Audit Committee of the Board. The critical issues which need to be factored in the Ind AS implementation
plan include Ind AS Technical Requirements i.e., diagnostic analysis of differences between the current accounting
framework and Ind AS, significant accounting policy decisions impacting financials, drafting accounting policies,
preparation of disclosures, documentation, preparation of proforma Ind AS financial statements, timing the changeover
(contd...)

111
 ANNUAL REPORT 2015-16

Contd.. BOX ITEM 3

NOTIFICATION OF IND-AS
to Ind AS, and dry-run of accounting systems and end-to-end reporting process before the actual conversion. The
insurers have been further advised to evaluate system changes; study the business Impact and evaluate the resource
requirements.
Insurers are required to assess the impact of the Ind AS implementation on their financial position including the
adequacy of capital, taking into account the solvency regulation requirements and place quarterly progress reports
to their Boards. The disclosure of the strategy for Ind AS implementation and progress made in this regard shall be
made in the Annual Report from financial year 2015-16 until implementation.
3. Training and Outreach
The Authority in coordination with the Institute of Chartered Accountants of India (ICAI) has organised six days
training program for officials of IRDAI. The Authority is also reaching out to industry on various platforms to facilitate
smooth process of implementation of Ind AS in the insurance sector.
Preparations by the Industry
Insurance companies have appointed steering committees/ nodal officers to implement the requirements in their
respective organisations.
Amendments to standard on Insurance Contracts by IASB
The International Accounting Standards Board (the Board) on 17th May 2016 has announced amendments to the
current insurance contracts Standard, IFRS 4 to address issues that may arise from implementing the new financial
instruments Standard, IFRS 9, before implementing the new insurance contracts Standard which will replace IFRS 4.
The amendments indicated are as under:
- give companies that issue insurance contracts the option to remove from profit or loss the volatility that may be
caused by certain changes in the measurement of financial assets when applying IFRS 9 before the new insurance
contracts Standard; and
- give companies whose predominant activities are insurance-related an optional temporary exemption from applying
IFRS 9 until 2021.
The Authority along with ICAI met the Industry to seek their views on the proposed changes and ICAI is working to
bring about similar amendments to IFRS 4 equivalent standard in India i.e., Ind AS 104.
In order to ensure smooth transition from existing GAAP to Ind AS, the regulator is closely working with the industry
and the ICAI.

III.13 Adjudication of disputes between Insurers
and Intermediaries or Insurance Intermediaries
III.13.1 As per Regulation 51(3) of IRDA (Insurance
Brokers) Regulations, 2013, any disputes arising
between an insurance broker and an insurer or any
other person either in the course of his engagement
as an insurance broker or otherwise may be referred
to the Authority by the person so affected; and on
receipt of the complaint or representation, the
Authority may examine the complaint and if found
necessary proceed to conduct an enquiry or an
inspection or an investigation in terms of these
regulations.
III.13.2 During the year under review, the Authority
has not received any such requests for adjudication.
III.14 Specifying the percentage of premium
income of the insurer to finance schemes for
promoting and regulating professional
organizations referred to in para 6
III.14.1 The Authority has not prescribed any
percentage of the premium income of the insurer to
finance schemes for promoting and regulating
professional organizations referred to in para (6).

112
 ANNUAL REPORT 2015-16

BOX ITEM 4
ADJUDICATION PROCEEDINGS UNDER
SECTION 105 C OF INSURANCE ACT, 1938
The Insurance Laws (Amendment) Act, 2015, introduced Adjudication of violations and levying penalties on the
erring entities for contravening certain requirements mentioned in various sections of the Insurance Act. Only specific
violations mentioned in section 105C (1) of the Insurance act are to be adjudicated for levying penalty.
The Authority shall appoint any officer not below the rank of a Joint Director (now General Manager) or its equivalent
officer to be an adjudicating officer for holding enquiry in the prescribed manner. Adjudicating Officer (AO) shall give
reasonable opportunity of being heard to the concerned before issuing the inquiry report. The Authority may impose
a penalty as provided in the respective sections after giving a hearing to the concerned.
While recommending the quantum of penalty by AO and while imposing such penalty by the Authority, due regard
shall be given to the following factors, namely:-
a) the amount of disproportionate gain or unfair advantage, wherever quantifiable, made as a result of the default;
b) the amount of loss caused to the policyholders as a result of the default; and
c) the repetitive nature of default
Pursuant to section 114(2)(la) of the Act, the manner of holding inquiry by the Adjudicating Officer was prescribed
by the Central Govt. vide the Insurance (Procedure for Holding Inquiry by Adjudicating Officer) Rules, 2016
notified on 17th February, 2016. The Adjudicating procedure broadly includes:
An Officer not below the rank of Joint Director (now General Manager) shall be appointed as Adjudicating
Officer (AO).
The AO shall, in the first instance, issue a notice to the person alleged to have committed the violation requiring
him to show cause as to why an inquiry should not be held against him.
The notice shall indicate the nature of offence alleged to have been committed.
After considering the cause, if any, shown by the person, if the AO decides to hold an inquiry, he shall issue a
notice fixing a date for appearance of that person.
The AO has the power to summon and enforce the attendance of any person acquainted with the facts and
circumstances of the case to produce relevant documents, evidence, etc.
On the date fixed, the AO shall explain to the person the offence alleged to have been committed, clearly
indicating the provisions of the Act alleged to have been contravened.
The AO shall give an opportunity to the person to produce documents and evidence relevant to the inquiry.
The AO may, after taking into account all relevant facts and the submissions made by the person, if he is
satisfied that the person has contravened the provisions of any of the sections specified in section 105C(1),
recommend such penalty in his inquiry report, as he thinks fit, in accordance with the respective provisions in
the Act.
A brief description of the sections mentioned in section 105C(1) is given below:
Sl. Sec. of Requirement
No. Insurance
Act, 1938
1 2CB(2) Properties in India/Ship/aircraft regd. In India cannot be insured with foreign Insurer except
with the permission of the Authority.
2 34(B)(4) Contravention of orders issued u/s 34(B)(1 &2) by the Authority to remove the managerial
persons from the office (Director/CEO)

(contd...)

113
 ANNUAL REPORT 2015-16

Contd.. BOX ITEM 4

ADJUDICATION PROCEEDINGS UNDER
SECTION 105 C OF INSURANCE ACT, 1938

3 40(3) Payment of Commission/remuneration/reward to unlicensed entities and also payment of

these rewards without following the manner specified by the regulations. (40(1))
Receipt of such rewards by Intermediaries also attract penalty (40(2))
4 41(2) Prohibition of Rebates
5 42(4) Acting as Insurance Agent without the required qualifications and acting as agent for more
than one life, one health, one general and one of each of the mono line Insurers
6 42(5) Omissions of the agent to comply with the code of conduct prescribed (vicarious liability)
7 42(D)(8) Acting as Insurance Intermediary without the registration from the Authority
8 42(D)(9) If the above violation is done by company/firm
9 52F Withholding of documents / property from Administrator
10 105B Unable to meet Rural and Social sector obligations u/s 32B
11 105B Unable to meet Rural and Social sector Unable to meet Rural sector obligations, unorganized
or informal sector, economically backward classes, crop insurance obligations u/s 32C
12 105B Unable to meet underwriting obligations in third party risk of motor vehicles u/s 32D

The obligations of the insurers are as under:

III.15 Specifying the percentage of life insurance
business and general insurance business to be III.15.2 Rural sector
undertaken by the insurers in the rural and social
(a) In respect of a Life Insurer the following
sector
percentages of the total number of policies
III.15.1 IRDAI (Obligations of Insurers to Rural and written in the respective years shown below: -
Social Sectors) Regulations,2015 have been notified
on 24th August, 2015 and shall supersede the IRDA Sl. Financial Year Percentage of
No. from Inception number of
(obligations of Insurers to Rural and Social Sectors)
policies
Regulations, 2002. The obligations stated in these
1 First year 7%
regulations shall be applicable from F.Y 2016-17.
Upto F.Y 2015-16 the obligations as per IRDA 2 Second year 9%
(obligations of Insurers to Rural and Social Sectors) 3 Third year 12%
Regulations, 2002 as amended from time to time
4 Fourth year 14%
were applicable.
5 Fifth year 16%
6 Sixth and seventh year 18%
7 Eighth and ninth year 19%
8 Tenth year and every year thereafter 20%

114
 ANNUAL REPORT 2015-16

(b) In respect of a General Insurer, the **Total business for the purpose of these regulations
percentage of gross premium income written is the total number of policies issued in case of
direct in the respective years shown below: - individual insurance and number of lives covered in
case of Group Insurance. In case of Individual health
Sl. Financial Year Percentage of insurance policies covering the lives of family
No. from Inception gross premium
members, the lives covered under such policy may
written direct
be taken into account both in determination of target
1 First year 2% as well as actual performance.
2 Second year 3%
In case where an Insurer commences operations in
3 Third year to seventh year 5%
the second half of the financial year and is in
4 Eighth year 6%
operations for less than six months as at 31st March
5 Ninth year and every year thereafter 7%
of the relevant financial year
(c) In respect of Standalone Health Insurers:-
(i) No rural and social sector Obligations shall
50% of the obligations prescribed for General be applicable for the said period, and
Insurers.
(ii) The annual Obligations as indicated in the
III.15.3 Social Sector Regulations shall be reckoned from the FY
In respect of all insurers (Life, Non-Life, 2016-17, that shall be treated as the first year
Standalone Health): - of operations and the applicable obligations
for the first year shall be 2500 lives for Social
Age of Percentage of Social Sector lives Sector. Similarly, the obligations for Rural
the Insurer computed on the total business Sector shall be half of the percentage
in years procured in the preceding prescribed for the first year.
financial year**
1 0.5% III.15.4 In addition, with a view to giving fillip to micro
2 1% insurance and to align the rural and social sector
3 1.5% obligations with the micro insurance regulations, the
4 2%
5 2.5% manner of compliance has been linked to the micro
6 3% insurance regulations.
7 3.5%
8 4%
9 4.5%
10 and above 5%

115
 ANNUAL REPORT 2015-16

PART IV
ORGANISATIONAL MATTERS

IV.1 ORGANISATION Former Chairman, LIC of India continued as Part-

time Member of the Authority during the year.
IV.1.1 Shri T.S.Vijayan, appointed as Chairman of
the Authority by Government of India with effect from IV.2 MEETINGS OF THE AUTHORITY
21st February, 2013 is continuing in the post. Shri
IV.2.1 Five meetings of the Authority were held
M. Rama Prasad, Whole-time Member (Non-life)
during the financial year 2015 -16. Five meetings of
had retired from the services of the Authority on 1st
the Insurance Advisory Committee were convened
May, 2015. Shri DD Singh, Whole-time Member
during the same period. The details are given
(Distribution) and Ms Pournima Gupte, Whole-time
hereunder:
Member (Actuary) continued in the Authority during
the year. Authority Meetings:
The Government of India had appointed the 1) 88th Meeting of the Authority held on 24th June,
following three Whole-time Members of the 2015
Authority:
2) 89 th Meeting of the Authority held on
i) Mrs Vijayalaxmi Rajaram Iyer, Whole-time 12th October, 2015
Member (F&I) with effect from 15th June, 2015
3) 90 th Meeting of the Authority held on
ii) Shri Nilesh Sathe, Whole-time Member (Life) 24th November, 2015
with effect from 1st July, 2015
4) 91 st Meeting of the Authority held on
iii) Shri Joseph Plappallil J, Whole-time Member 04th January, 2016
(Non-life) with effect from 29th March, 2016 5) 92 nd Meeting of the Authority held on
IV.1.2 The term of Prof. V K Gupta, Director, 11th March, 2016
Management Development Institute (MDI), Insurance Advisory Committee Meetings:
Gurgaon, Part-time Member of the Authority, expired
1) 26 th Meeting of the IAC held on
on 21st February, 2016. CA M.Devaraja Reddy,
12th June, 2015
President of the Institute of Chartered Accountants
of India, became Part-time Member of the Authority 2) 27 th Meeting of the IAC held on
in the place of CA Manoj Fadnis with effect from 05th October, 2015
12 th February, 2016. Shri Alok Tandon, Joint
3) 28 th Meeting of the IAC held on
Secretary, Department of Financial Services,
22nd December, 2015
Ministry of Finance was appointed as Part-time
Member of the Authority with effect from 14 th 4) 29 th Meeting of the IAC held on
September, 2015 in the place of Shri Anup 08th February, 2016
Wadhwan, Joint Secretary, Department of Financial
5) 30 th Meeting of the IAC held on
Services, Ministry of Finance. Shri S B Mathur,
19th February, 2016

117
 ANNUAL REPORT 2015-16
IV.3 HUMAN RESOURCES
IV 3.1 The staff strength and the need for additional
resources are reviewed from time to time. The staff
strength of the Authority as on 31-03-2016 is as
under:-
Sl. Class As on As on
No. 31-03-2015 31-03-2016
1 I 142 141
2 III 3 19
During the year 2015-16, one Officer in the
cadre of Joint Director had retired and sixteen
employees in the cadre of Assistant had joined
the services of the Authority.
The process for recruitment of 24 Junior
Officers has been initiated in January, 2016.
Four Officers were nominated for NAIC
International Fellows Programme.
Induction/advanced training programmes were
organized for promotees in the cadre of Junior
Officer, Assistant Director and Senior
Assistant Director.
Capacity building measures taken by IRDAI
IV.3.2 As part of implementation of non-legislative
recommendation of FSLRC and in order to apprise
the officers of IRDAI about the content and import
of the FSLRC recommendations and Indian
Financial Code in general and the Non Legislative
Recommendations in particular, the following training
programmes were conducted by Legal Department,
so that every employee of IRDAI is familiar with the
key aspects of the FSLRC, IFC and Non Legislative
Recommendations:
i) Three day Executive Training Programme
(Residential) for Officers of IRDAI conducted
118
by NALSAR, Hyderabad on the topics of
drafting of Regulation, up-dation on Legal
system within which Authority operates, Law
relating to RTI and recent international trends
in areas of Insurance, in which 152 participants
were trained in 5 batches during June-August,
2015.
ii) Adjudication and Appeal to SAT Interactive
Session with ED, SEBI on conducting of
Enquiry, Enforcement and Adjudication was
organized on 27.11.2015
iii) On 05.12.2015, a Session was conducted on
Drafting of Regulation- Principles and Best
Practices by Dr KN Chaturvedi, Former
Secretary, Ministry of Law and Justice, GOI
where 60 employees have participated.
iv) Three in house sessions were conducted by
the Legal department on Indian Financial
Code and Non Legislative Recommendations
made by FSLRC in which all the employees
and officers participated.
The information about FSLRC, IFC and NLRs was
also placed on the Intranet for access by all staff
members of IRDAI.
IV.4 INTERNAL COMMITTEE FOR WOMEN
EMPLOYEES
IV.4.1 In terms of provisions of The Sexual
Harassment of Women at Workplace (Prevention,
Prohibition and Redressal) Act, 2013 an internal
Complaints Committee has been set up vide office
order ref: IRDA/ADMN/ORD/PER/41/3/2013 dated
1 st March, 2013 with a view to redressing the
complaints in this regard as also to ensure
compliance of various provisions laid down in the
Act.
 ANNUAL REPORT 2015-16
IV.4.2 The Committee felt the need to conduct
workshop/s to educate employees on the Act
provisions and also orientation programmes for
employees.
IV.5 PROMOTION OF OFFICIAL LANGUAGE (O.L)
IV.5.1. The Insurance Regulatory and Development
Authority of India continued to make concerted
efforts to promote the use of Hindi in Official work
and to ensure proper compliance of the provisions
of Official language Act, 1963 and Rules 1976
framed hereunder.
IV.5.2. In order to ensure effective compliance of
these rules and provisions, the Official Language
Department of the Authority arranges Hindi to
English and vis-a- vis translation, as required by the
departments of the Authority, encourages all the
officers / employees to use Hindi in their day to day
official work by signing the documents in Hindi,
conduct meetings in Hindi, make entries in the
registers in Hindi, make bilingual office notes, making
bilingual forwarding letters of technical and non-
technical documents, using bilingual contact details
in e-mails, writing comments in Hindi on the official
notes, etc.
IV.5.3All documents, laid on the table of Parliament,
were also brought out in bilingual form. Sustained
efforts were made to ensure proper compliance of
the Official Language Policy of the Union enshrined
in the Constitution of India, the Official Languages
Act, the Official Languages Rules, the Annual
Programme and orders issued by the Department
of Official Language from time to time. All documents
coming under the purview of Sec. 3(3) of the O.L.
Act i.e. important notifications/regulations, circulars,
orders, administrative and other reports, annual
reports, press communiqus, licenses, contracts,
agreements were converted into bilingual form. The
letters, representations/ appeals/ RTI applications
119
signed in Hindi were replied in Hindi ensuring
compliance of Rule 5 and Rule 7 (2) of the O.L.
Rules.
IV.5.4Rajbhasha Vibhag collected the data related
to Hindi Knowledge of Officers & Employees of the
Authority as per the format provided by Official
Language Department, Ministry of Home Affairs
through online programme developed by OLI Dept.
of the Authority, which is made available on the office
Intranet, similarly, OLI Dept. collected data related
to Quar terly Progress Repor t from all the
departments as per the format provided by the
Ministry.
IV.5.5The Authority processed a recruitment drive
for appointment of Rajbhasha Assistant in the OLI
Department in the year 2015-16, who joined the
services in the month of July, 2016.
IV.5.6Official Language Department was created in
the Delhi Regional Office (DRO) and one senior
officer was designated as OLI Department Head and
another as OLI Officer. This is the duty of both the
officers to ensure the compliance of Official
Language implementation at DRO with the guidance
of the Headquarter.
IV.5.7The OLI Department sent Aaj Ka Shabd with
example, Aaj Ka Suvichar in bilingual form to all
the officers / employees of the Authority on daily
basis. The list of books in Hindi available in the
Authoritys Library was sent to all to promote all the
officers / employees to develop their interest in
reading Hindi books and enrich their Hindi
knowledge.
IV.5.8Authority celebrated Hindi Fortnight starting
from 14th September, 2015 which was inaugurated
by the Chairman of the Authority. For this celebration
a Hindi Fortnight Celebration Committee was formed
by taking at least one officer from each department.
 ANNUAL REPORT 2015-16
During the celebrations various competitions were
conducted like Essay Writing, Extempore, and
Antakshari. A pen drive containing Hindi Language
Promotional material was distributed amongst all
Officers / Employees of the Authority. Closing
ceremony of the fortnight was conducted in a big
conference hall as a cultural function. An
experienced Hindi Officer from Insurance Industry
was invited as chief guest for the closing ceremony.
Closing ceremony started with the Ganesh Vandana
and lighting up the lamps by Member (Life & OL),
Chief Guest and other senior officers of the Authority.
1st, 2nd, 3rd and 5 Consolation Prizes were distributed
in two categories (Hindi speaking & Non-Hindi
speaking) to all the officers / employees who
par ticipated in the various events during
celebrations.
IV.5.9Authority publishes its quarterly in-house
magazine Spandan in bilingual form; wherein Hindi
and English both articles are published.
IV.5.10 Authoritys Communication Department is
also maintaining a website policyholder.gov.in which
is also bilingual. This department is regularly
publishing lots of Hindi material in the consumer
awareness drive called Bima Bemisal which is
distributed amongst general public, school students,
etc. This department has also made public
awareness videos & cartoon films in Hindi. Authority
published its Date Calendar in bilingual form.
IV.6 RESEARCH & DEVELOPMENT
IV.6.1 The Department continues to be the nodal
point for the compilation of the Annual Report and
the Handbook on Indian Insurance Statistics, which
is an annual publication consisting of time series
data.
IV.6.2 Consequent upon the publication of first
edition of the Handbook on Indian Insurance in 2008,
120
the Research & Development department continued
to extend the coverage of this publication in order to
meet the increasing needs of various stakeholders
in the industry. The 8th edition of the handbook was
published in March 2016; with 93 time series data
tables included in it. The department continues to
strive at improving the coverage and content of the
handbook in its 9th edition, which is likely to be
released in December 2016.
IV.6.3 R & D Section has been providing various
types of data to RBI, MOSPI & DFS. Some of the
data are periodical in nature.
IV.6.4 The Government of India has constituted two
sub-committees, one for the construction of Service
Production Index and another for Service Price
Index for the Insurance Sector. The Sub-Committee
for developing the Service Production Index for the
insurance sector constituted by the Ministry of
Statistics and Program Implementation in February
2012, submitted its final report to MOSPI on
14.07.2015.
IV.6.5 The Sub-Committee for the development of
Service Price Index for Insurance sector, constituted
by the Department of Industrial Policy & Promotion,
Ministry of Commerce & Industry in December 2011,
worked on multiple approaches. The draft report on
Service Price Index was presented to the Expert
Committee in its Joint Meeting with Technical
Advisory Committee on 30.09.2015. Based on the
suggestions of Expert Committee, the methodology
was revisited in the seventh meeting of Sub-
Committee held on 15-16.02.2016. The final report
on Insurance Service Price Index is likely to be
submitted in the following year.
IV.6.6 Both the Sub-Committees were chaired by
Shri Sriram Taranikanti, Executive Director and were
also represented by another senior officer from
 ANNUAL REPORT 2015-16

IRDAI. The R&D wing of the Sectoral Development
Depar tment has been providing secretarial
assistance to both the Sub-Committees. Besides,
officers of the department have been closely involved
in the progress of the work of the Sub-Committees.
IV.6.7 R&D Section is carrying out the research
project to find out the cause of low insurance
penetration in our country compared to world
average and role of various Distribution Channels
in connection with that.
IV.7 STATUS OF INFORMATION TECHNOLOGY
Effective supervision and monitoring can happen
only if robust IT systems are in place. Information
Technology department has been consistently
moving towards this direction and some of the
activities carried out by the department during this
year are as follows:
IV.7.1 BUSINESS ANALYTICS PROJECT (BAP)
The entire system was successfully implemented
and made operational after conducting User
Acceptance Testing (UAT), user training (for both
internal and external users) and controlled go-live
for various modules of the portal. Formal circulars
were issued by the user departments and the
regulated entities have commenced filing the returns/
data online. The regulated entities will continue the
electronic submission along with manual system in
parallel. The manual filings shall be dispensed-with
gradually, once the operations of these modules fully
stabilise.
ii. Application for uploading of various reports
and minutes of State Level Coordination
Committee (SLCC) meetings conducted by
State Level Officers (SLOs).
iii. Application for maintenance of Legal Cases.
iv. Application for IT Help Desk complaint lodging
and monitoring.
Various enhancements also carried out in the
existing internal applications during this year and
abstract of the same are as follows:
I. Filing procedure in Cross Border Reinsurance.
II. Conference room booking
The intranet site has also been upgraded to include
Separate verticals for disseminating vigilance related
information, Internal Audit and Sectoral Development
Department. IT department is also in the process
revamping the intranet portal to implement a
collaborative working environment.
IV.7.3 SAP-ERP IMPLEMENTATION
A detailed gap analysis was conducted for ERP
application to identify the gaps and also to further
enhance utility of ERP application. In addition to
this activity, the following were also carried out during
this year
a) Selection of new AMC vendor through open
tendering process
b) Setting up of Quality system in landscape

IV.7.2 INTERNAL APPLICATIONS c) Fixing of gaps (except Form 16) in existing

SAP ERP system
The following new applications were developed in-
house and implemented for various departments IV.7.4 OTHER ACTIVITIES
during this year. The other activities completed by the department
during the year are as follows:
i. Application for uploading of presentations of
HOD Meetings conducted.

121
 ANNUAL REPORT 2015-16
a) Establishment of connectivity among regional
offices and HO.
b) Setting up of Networking for Mumbai Regional
Office (MRO)
c) Hardening of messaging system to halt e-
mail spoofing
d) Upgrading of unified threat management
system
e) Upgrading of Antivirus system for robust
monitoring
f) Implementation of off-site backups for
important databases.
IV.8 ACCOUNTS
IV.8.1 The accounts of the Authority for the Financial
Year 2015-16 have been submitted to the
Comptroller and Auditor General of India (CAG).
Pursuant to the provisions of Section 17 of IRDA
Act, 1999, the audited accounts along with the audit
repor t are required to be forwarded to the
Government of India to be placed in both the houses
of Parliament.
The audited accounts for the financial year 2014-15
were laid before the Lok Sabha on 18th December
2015 and before the Rajya Sabha on 15th December
2015.
IV.9 IRDAI JOURNAL
IV.9.1 IRDAI has been publishing the IRDAI Journal
since 2002 every month as a transparent medium
for unfettered dissemination of information among
various stakeholders and observers of the industry.
The Journal derives its strength from experts who
have contributed to it from time to time. Articles for
the IRDAI Journal are usually written by specialist
and experts in the area of Insurance. IRDAI Journal
122
strives to gather, process, and disseminate
information and news related to the Insurance for
its audience and aims to publish articles that are of
value to the readers.
In the Journal statistical information pertaining to
Life, Non-life and Health Insurance facilitates for
further analysis by the academicians as well as the
policy makers.
The readers of the Journal have been going up
steadily and several new authors are evincing a keen
interest in writing for the Journal. This has resulted
in a good source of varied opinions on informative
topics - both domestic as well as international. The
web copy of the Journal continues to be the source
of information and covers many topical issues for
the various stakeholders.
IV.9.2 Each issue of the monthly Journal is centred
on a contextual theme relevant to the industry.
During the year 2015-16, various topics have been
captured by the Journal ranging from health
insurance, customer service, grievance handling in
insurance industr y, crop insurance, role of
intermediaries in insurance industry, role of CSR
Activities in insurance industry, etc. Apart from
covering the widest range of thoughts and ideas in
a particular domain, the practice has also enabled
the coverage of articles from various contributors;
thereby widening the scope of intellectual content
in the Journal.
Since its inception, till March 2016, the Journal was
being handled by external persons and for the first
time, it is decided by the Authority to entrust the job
to in-house Editor from the financial year 2016-17.
The periodicity of the publication of the Journal has
now been changed from monthly to quarterly and
the first quarter issue of the Journal is April June
2016.
 ANNUAL REPORT 2015-16

IV.10 ACKNOWLEDGEMENTS and to the compact team of officers and employees

of IRDAI for efficient discharge of their duties. The
IV.10.1 IRDAI would like to place on record its
Authority also records its special thanks to the
appreciation and sincere thanks to the Members of
members of the public, the press, all the professional
the Board, Members of the Insurance Advisory
bodies and international agencies connected with
Committee, the Reinsurance Advisory Committee,
the insurance profession through their councils
Department of Financial Services (Ministry of
including the International Association of Insurance
Finance), Members of the Consultative Committee,
Supervisors (IAIS) for their valuable contribution from
all insurers and intermediaries for their invaluable
time to time.
guidance and co-operation in its proper functioning;

123
STATEMENTS
 ANNUAL REPORT 2015-16

STATEMENT 1

INTERNATIONAL COMPARISON OF INSURANCE PENETRATION*

(In Per Cent)

Countries 2014** 2015**

Total Life Non-Life Total Life Non-Life
Australia 6.0 3.8 2.2 5.7 3.5 2.2
Brazil 3.9 2.1 1.9 3.9 2.1 1.8
France 9.1 5.9 3.1 9.3 6.2 3.1
Germany 6.5 3.1 3.4 6.2 2.9 3.4
Russia 1.4 0.2 1.2 1.4 0.2 1.2
South Africa 14.0 11.4 2.7 14.7 12.0 2.7
Switzerland 9.2 5.1 4.1 9.2 5.1 4.1
United Kingdom 10.6 8.0 2.6 10.0 7.5 2.4
United States 7.3 3.0 4.3 7.3 3.1 4.2

Asian Countries
Hong Kong 14.2 12.7 1.4 14.8 13.3 1.5
India# 3.3 2.6 0.7 3.4 2.7 0.7
Japan# 10.8 8.4 2.4 10.8 8.3 2.6
Malaysia# 4.8 3.1 1.7 5.1 3.4 1.7
Pakistan 0.8 0.5 0.3 0.8 0.5 0.3
PR China 3.2 1.7 1.5 3.6 2.0 1.6
Singapore 6.7 5.0 1.6 7.3 5.6 1.7
South Korea# 11.3 7.2 4.1 11.4 7.3 4.1
Sri Lanka 1.1 0.5 0.7 1.2 0.5 0.7
Taiwan 18.9 15.6 3.3 19.0 15.7 3.2
Thailand 5.8 3.6 2.2 5.5 3.7 1.8
World 6.2 3.4 2.7 6.2 3.5 2.8
Source: Swiss Re, Sigma Volumes 4/2015 and 3/2016.
* Insurance penetration is measured as ratio of premium (in US Dollars) to GDP (in US Dollars)
** Data pertains to the calender year 2014 and 2015.
# Data relates to financial year 2014-15 & 2015-16.

127
 ANNUAL REPORT 2015-16

STATEMENT 2

INTERNATIONAL COMPARISON OF INSURANCE DENSITY*

(In US Dollar)

Countries 2014** 2015**

Total Life Non-Life Total Life Non-Life
Australia 3736 2382 1354 2958 1830 1128
Brazil 422 222 200 332 178 154
France 3902 2552 1350 3392 2263 1129
Germany 3054 1437 1617 2563 1181 1381
Russia 181 20 161 117 15 102
South Africa 925 748 176 843 688 155
Switzerland 7934 4391 3542 7370 4079 3292
United Kingdom 4823 3638 1185 4359 3292 1067
United States 4017 1657 2360 4096 1719 2377

Asian Countries
Hong Kong 5647 5071 575 6271 5655 616
India# 55 44 11 55 43 12
Japan# 3778 2926 852 3554 2717 837
Malaysia# 524 338 186 472 316 157
Pakistan 11 7 4 12 8 4
PR China 235 127 109 281 153 128
Singapore 3759 2840 919 3825 2932 894
South Korea# 3163 2014 1149 3034 1940 1094
Sri Lanka 40 17 23 43 19 25
Taiwan 4072 3371 701 4094 3397 698
Thailand 323 198 125 319 215 104
World 662 368 294 621 346 276
Source: Swiss Re, Sigma Volumes 4/2015 and 3/2016.
* Insurance density is measured as ratio of premium (in US Dollar) to total population.
** Data pertains to the calender year 2014 and 2015.
# Data relates to financial year 2014-15 & 2015-16.

128
 STATEMENT 3
FIRST YEAR LIFE INSURANCE PREMIUM (INCLUDING SINGLE PREMIUM)
(` Crore)
INSURER 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
Aegon Life -- -- -- -- -- -- -- -- 31.21 150.37 274.87 207.65 135.90 147.22 207.50 136.33
Aviva -- -- 13.47 76.96 192.29 407.12 721.35 1053.98 724.56 798.37 745.39 801.86 687.40 593.76 556.89 320.80
Bajaj Allianz -- 7.14 63.39 179.55 857.45 2716.77 4302.74 6674.48 4491.43 4451.10 3465.82 2717.31 2987.90 2592.03 2702.10 2884.52
Bharti AXA -- -- -- -- -- -- 7.78 113.24 292.93 437.43 347.78 224.59 248.92 375.61 474.20 539.49
Birla Sunlife 0.32 28.11 129.57 449.86 621.31 678.12 882.72 1965.01 2820.85 2960.01 2080.30 1926.17 1836.51 1697.49 1937.94 2220.31
Canara HSBC -- -- -- -- -- -- -- -- 296.41 622.62 817.29 687.10 606.72 608.07 476.98 859.18
DHFL Pramerica -- -- -- -- -- -- -- -- 3.37 37.38 74.15 103.16 140.01 172.95 579.59 727.02
Edelweiss Tokio -- -- -- -- -- -- -- -- -- -- -- 10.88 47.33 80.72 122.42 183.59
Exide Life -- 4.19 17.66 72.10 282.42 283.98 467.66 704.44 688.95 642.43 660.49 638.14 638.20 567.81 644.75 632.85
Future Generali -- -- -- -- -- -- -- 2.49 149.97 486.08 448.61 345.03 240.43 224.90 252.41 255.59
HDFC Standard 0.002 32.78 129.31 209.33 486.15 1042.65 1648.85 2685.37 2651.11 3257.51 4059.33 3857.47 4436.07 4038.93 5492.10 6487.22
ICICI Prudential 5.97 113.33 364.11 750.84 1584.34 2602.50 5162.13 8034.75 6811.83 6333.92 7862.14 4441.09 4808.62 3759.59 5332.13 6765.75
IDBI Federal -- -- -- -- -- -- -- 11.90 316.78 400.56 444.95 311.01 345.14 315.69 484.50 588.40
IndiaFirst -- -- -- -- -- -- -- -- -- 201.59 704.77 982.31 1316.42 1681.36 1538.67 1478.10

129
Kotak Mahindra -- 7.58 35.21 125.51 373.99 396.06 614.94 1106.62 1343.03 1333.98 1253.14 1164.27 1188.10 1271.81 1540.18 2209.66
Max Life 0.16 38.80 67.31 137.28 233.63 471.36 912.11 1597.83 1842.91 1849.08 2061.39 1901.72 1899.34 2261.60 2572.60 2881.71
PNB Metlife -- 0.48 7.70 23.41 57.52 148.53 340.44 825.35 1144.70 1061.85 706.22 1076.97 840.08 675.89 829.06 1003.17
Reliance Nippon -- 0.28 6.32 27.21 91.33 193.56 932.11 2751.05 3513.98 3920.78 3034.94 1809.29 1376.57 1933.99 2069.69 1558.33
ANNUAL REPORT 2015-16

Sahara -- -- -- -- 1.74 26.34 43.00 122.12 134.01 124.83 91.83 71.14 61.43 65.09 38.44 43.43
SBI Life -- 14.69 71.88 207.05 484.85 827.82 2563.84 4792.82 5386.64 7040.74 7589.58 6531.32 5182.88 5065.48 5529.16 7106.58
Shriram Life -- -- -- -- -- 10.33 181.17 309.99 314.47 419.50 571.99 390.99 420.65 389.83 498.52 693.79
Star Union Dai-ichi -- -- -- -- -- -- -- -- 50.19 519.87 758.69 964.77 744.80 562.85 629.93 654.19
Tata AIA -- 21.14 59.77 181.59 297.55 464.53 644.82 964.51 1142.67 1322.01 1332.21 939.55 560.16 433.76 312.05 740.79
Private Total 6.45 268.51 965.69 2440.71 5564.57 10269.67 19425.65 33715.95 34152.00 38372.01 39385.84 32103.78 30749.58 29516.43 34821.81 40970.80
(4061.70) (259.65) (152.74) (127.99) (84.55) (89.16) (73.56) (1.29) (12.36) (2.64) (-18.49) (-4.22) (-4.01) (17.97) (17.66)
LIC 9700.98 19588.77 15976.76 17347.62 20653.06 28515.87 56223.56 59996.57 53179.08 71521.90 87012.35 81862.25 76611.50 90808.79 78507.72 97891.51
(101.93) (-18.44) (8.58) (19.05) (38.07) (97.17) (6.71) (-11.36) (34.49) (21.66) (-5.92) (-6.41) (18.53) (-13.55) (24.69)
Industry Total 9707.43 19857.28 16942.45 19788.32 26217.64 38785.54 75649.21 93712.52 87331.08 109893.91 126398.18 113966.03 107361.08 120325.22 113329.52 138862.31
(104.56) (-14.68) (16.80) (32.49) (47.94) (95.04) (23.88) (-6.81) (25.84) (15.02) (-9.84) (-5.80) (12.08) (-5.82) (22.53)

Note: 1) Figures in the brackets represent the growth over the previous year in per cent.
2) -- represents business not started.
3) Previous years figures revised by insurers
 STATEMENT 4
TOTAL LIFE INSURANCE PREMIUM
(` Crore)
INSURER 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
Aegon Life -- -- -- -- -- -- -- -- 31.21 165.65 388.61 457.32 430.50 453.00 559.20 501.60
Aviva -- -- 13.47 81.50 253.42 600.27 1147.23 1891.88 1992.87 2378.01 2345.17 2415.87 2140.67 1878.10 1796.25 1493.15
Bajaj Allianz -- 7.14 69.17 220.80 1001.68 3133.58 5345.24 9725.31 10624.52 11419.71 9609.95 7483.80 6892.70 5843.14 6017.30 5897.31
Bharti AXA -- -- -- -- -- -- 7.78 118.41 360.41 669.73 792.02 774.16 744.52 872.65 1053.32 1208.33
Birla Sunlife 0.32 28.26 143.92 537.54 915.47 1259.68 1776.71 3272.19 4571.80 5505.66 5677.07 5885.36 5216.30 4833.05 5233.22 5579.71
Canara HSBC -- -- -- -- -- -- -- -- 296.41 842.45 1531.86 1861.08 1912.15 1823.42 1657.02 2059.96
DHFL Pramerica -- -- -- -- -- -- -- -- 3.37 38.44 95.04 167.01 236.79 305.86 735.10 920.21
Edelweiss Tokio -- -- -- -- -- -- -- -- -- -- -- 10.88 54.83 110.90 193.08 310.07
Exide Life -- 4.19 21.16 88.51 338.86 425.38 707.20 1158.87 1442.28 1642.65 1708.95 1679.98 1742.36 1830.67 2027.48 2046.99
Future Generali -- -- -- -- -- -- -- 2.49 152.60 541.51 726.16 779.58 678.29 634.16 604.25 592.50
HDFC Standard 0.002 33.46 148.83 297.76 686.63 1569.91 2855.87 4858.56 5564.69 7005.10 9004.17 10202.40 11322.68 12062.90 14829.90 16312.98
ICICI Prudential 5.97 116.38 417.62 989.28 2363.82 4261.05 7912.99 13561.06 15356.22 16528.75 17880.63 14021.58 13538.24 12428.65 15306.62 19164.39
IDBI Federal -- -- -- -- -- -- -- 11.90 318.97 571.12 811.00 736.70 804.68 826.25 1069.62 1239.67
IndiaFirst -- -- -- -- -- -- -- -- -- 201.60 798.43 1297.93 1690.08 2143.36 2034.11 1967.40

130
Kotak Mahindra -- 7.58 40.32 150.72 466.16 621.85 971.51 1691.14 2343.19 2868.05 2975.51 2937.43 2777.78 2700.79 3038.05 3971.68
Max Life 0.16 38.95 96.59 215.25 413.43 788.13 1500.28 2714.60 3857.26 4860.54 5812.63 6390.53 6638.70 7278.54 8171.62 9216.16
PNB Metlife -- 0.48 7.91 28.73 81.53 205.99 492.71 1159.54 1996.64 2536.01 2508.17 2677.50 2429.52 2240.59 2461.19 2827.83
Reliance Nippon -- 0.28 6.47 31.06 106.55 224.21 1004.66 3225.44 4932.54 6604.90 6571.15 5497.62 4045.39 4283.40 4621.08 4398.12
ANNUAL REPORT 2015-16

Sahara -- -- -- -- 1.74 27.66 51.00 143.49 206.47 250.59 243.41 225.95 205.38 204.63 166.86 157.05
SBI Life -- 14.69 72.39 225.67 601.18 1075.32 2928.49 5622.14 7212.10 10104.03 12945.29 13133.74 10450.03 10738.60 12867.11 15825.36
Shriram Life -- -- -- -- -- 10.33 184.16 358.05 436.17 611.27 821.52 644.16 618.07 594.24 734.66 1022.11
Star Union Dai-ichi -- -- -- -- -- -- -- -- 50.19 530.37 933.31 1271.95 1068.80 948.75 1134.68 1307.47
Tata AIA -- 21.14 81.21 253.53 497.04 880.19 1367.18 2046.35 2747.50 3493.78 3985.22 3630.30 2760.43 2323.70 2122.66 2478.96
Private Total 6.45 272.55 1119.06 3120.33 7727.51 15083.54 28253.00 51561.42 64497.43 79369.94 88165.24 84182.83 78398.91 77359.36 88434.35 100499.03
(4124.31) (310.59) (178.83) (147.65) (95.19) (87.31) (82.50) (25.09) (23.06) (11.08) (-4.52) (-6.87) (-1.33) 14.32 (13.64)
LIC 34892.02 49821.91 54628.49 63533.43 75127.29 90792.22 127822.84 149789.99 157288.04 186077.31 203473.40 202889.28 208803.58 236942.30 239667.65 266444.21
(42.79) (9.65) (16.30) (18.25) (20.85) (40.79) (17.19) (5.01) (18.30) (9.35) (-0.29) (2.92) (13.48) (1.15) (11.17)
Industry Total 34898.47 50094.46 55747.55 66653.75 82854.80 105875.76 156075.84 201351.41 221785.47 265447.25 291638.64 287072.11 287202.49 314301.66 328102.01 366943.23
(43.54) (11.28) (19.56) (24.31) (27.78) (47.41) (29.01) (10.15) (19.69) (9.87) (-1.57) (0.05) (9.44) (4.39) (11.84)

Note: 1) Figures in the brackets represent the growth over the previous year in per cent.
2) -- represents business not started.
3) Previous years figures revised by insurers
 STATEMENT 5
LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2015-16
(Premium in ` Crore)
Insurer Total Premium Linked Premium Non-Linked Premium
Regular Single First Year Renewal Total Regular Single First Year Renewal Total Regular Single First Year Renewal Total
AEGON LIFE 133.92 2.40 136.33 365.27 501.60 31.13 0.67 31.80 133.33 165.13 102.79 1.73 104.53 231.95 336.48
AVIVA 312.19 8.61 320.80 1172.34 1493.15 162.34 3.86 166.19 444.41 610.60 149.85 4.76 154.61 727.93 882.54
BAJAJ ALLIANZ 1393.80 1490.71 2884.52 3012.79 5897.31 381.28 618.99 1000.27 731.10 1731.37 1012.52 871.72 1884.25 2281.70 4165.94
BHARTI AXA 358.82 180.67 539.49 668.84 1208.33 4.51 3.37 7.88 157.58 165.46 354.31 177.30 531.61 511.26 1042.87
BIRLA SUNLIFE 2173.43 46.87 2220.31 3359.41 5579.71 1048.54 18.57 1067.12 2168.41 3235.52 1124.89 28.30 1153.19 1191.00 2344.19
CANARA HSBC 437.79 421.40 859.18 1200.78 2059.96 348.64 18.95 367.59 958.76 1326.35 89.15 402.44 491.59 242.02 733.61
DHFL PRAMERICA 148.85 578.17 727.02 193.19 920.21 10.04 30.22 40.26 21.90 62.17 138.81 547.95 686.75 171.29 858.04
EDELWEISS TOKIO 150.04 33.55 183.59 126.47 310.07 29.04 15.58 44.63 14.12 58.74 121.00 17.96 138.96 112.36 251.32
EXIDE LIFE 565.82 67.04 632.85 1414.14 2046.99 20.94 9.31 30.25 181.95 212.20 544.88 57.73 602.61 1232.18 1834.79
FUTURE GENERALI 249.05 6.53 255.59 336.91 592.50 20.80 2.99 23.78 59.11 82.89 228.26 3.55 231.81 277.80 509.61
HDFC STANDARD 3296.49 3190.73 6487.22 9825.76 16312.98 1882.10 954.85 2836.95 5771.45 8608.39 1414.40 2235.88 3650.27 4054.31 7704.58
ICICI PRUDENTIAL 4924.38 1841.37 6765.75 12398.64 19164.39 4116.43 1450.35 5566.78 8815.16 14381.94 807.95 391.02 1198.97 3583.48 4782.45

131
IDBI FEDERAL 310.32 278.08 588.40 651.27 1239.67 50.18 183.65 233.83 56.30 290.14 260.14 94.43 354.57 594.96 949.53
INDIAFIRST 218.79 1259.31 1478.10 489.30 1967.40 92.40 46.46 138.86 403.51 542.37 126.39 1212.85 1339.23 85.79 1425.03
KOTAK MAHINDRA 1646.68 562.98 2209.66 1762.02 3971.68 586.93 125.56 712.49 585.41 1297.90 1059.76 437.42 1497.17 1176.60 2673.78
ANNUAL REPORT 2015-16

MAX LIFE 2082.79 798.92 2881.71 6334.45 9216.16 576.48 32.85 609.33 1637.95 2247.28 1506.31 766.07 2272.38 4696.50 6968.89
PNB METLIFE 958.15 45.02 1003.17 1824.67 2827.83 266.84 8.81 275.65 646.93 922.58 691.31 36.21 727.52 1177.73 1905.26
RELIANCE NIPPON 1446.70 111.63 1558.33 2839.79 4398.12 689.92 17.14 707.07 621.41 1328.48 756.77 94.49 851.26 2218.37 3069.64
SAHARA 12.45 30.98 43.43 113.62 157.05 0.11 3.19 3.31 8.07 11.38 12.34 27.79 40.12 105.55 145.67
SBI LIFE 4630.54 2476.04 7106.58 8718.79 15825.36 2594.66 638.69 3233.35 3661.41 6894.76 2035.88 1837.34 3873.23 5057.38 8930.61
SHRIRAM LIFE 420.13 273.66 693.79 328.32 1022.11 7.79 30.45 38.25 19.74 57.98 412.33 243.21 655.54 308.58 964.13
STAR UNION DAI-ICHI 553.34 100.85 654.19 653.28 1307.47 42.75 61.44 104.18 316.56 420.75 510.59 39.41 550.01 336.72 886.73
TATA AIA 724.84 15.95 740.79 1738.17 2478.96 255.65 9.64 265.28 482.71 747.99 469.19 6.32 475.51 1255.46 1730.97
PRIVATE TOTAL 27149.32 13821.47 40970.80 59528.23 100499.03 13219.51 4285.59 17505.10 27897.27 45402.37 13929.82 9535.88 23465.70 31630.96 55096.65
LIC 23829.38 74062.13 97891.51 168552.70 266444.21 29.14 1.27 30.41 1438.79 1469.21 23800.24 74060.86 97861.10 167113.90 264975.00
GRAND TOTAL 50978.71 87883.60 138862.31 228080.93 366943.23 13248.65 4286.86 17535.51 29336.07 46871.58 37730.06 83596.74 121326.79 198744.86 320071.65

Note :1) First Year Premium = Regular Premium + Single Premium

2) Total Premium = First Year Premium + Renewal Premium
 Contd.. STATEMENT 5
LINKED AND NON-LINKED PREMIUM OF LIFE INSURERS FOR 2014-15
(Premium in ` Crore)
Insurer Total Premium Linked Premium Non-Linked Premium
Regular Single First Year Renewal Total Regular Single First Year Renewal Total Regular Single First Year Renewal Total
AEGON LIFE 206.28 1.22 207.50 351.69 559.20 32.95 0.45 33.40 160.48 193.89 173.33 0.77 174.10 191.21 365.31
AVIVA 546.04 10.86 556.89 1239.36 1796.25 113.53 4.71 118.24 615.39 733.63 432.51 6.15 438.65 623.97 1062.62
BAJAJ ALLIANZ 1501.02 1201.07 2702.10 3315.20 6017.30 331.27 643.57 974.84 771.03 1745.88 1169.75 557.50 1727.25 2544.17 4271.42
BHARTI AXA 350.48 123.73 474.20 579.12 1053.32 6.10 1.92 8.02 236.22 244.24 344.37 121.80 466.18 342.90 809.08
BIRLA SUNLIFE 1896.37 41.57 1937.94 3295.28 5233.22 665.13 12.57 677.70 2322.42 3000.12 1231.24 29.01 1260.25 972.86 2233.10
CANARA HSBC 336.35 140.63 476.98 1180.04 1657.02 249.22 4.90 254.12 964.08 1218.19 87.13 135.73 222.86 215.96 438.82
DHFL PRAMERICA 140.21 439.38 579.59 155.51 735.10 8.54 0.23 8.77 30.38 39.15 131.67 439.15 570.82 125.13 695.95
EDELWEISS TOKIO 105.30 17.12 122.42 70.66 193.08 17.64 4.95 22.58 5.10 27.69 87.66 12.17 99.84 65.56 165.40
EXIDE LIFE 429.09 215.67 644.75 1382.72 2027.48 20.94 9.31 30.25 181.95 212.20 408.15 206.36 614.51 1200.77 1815.28
FUTURE GENERALI 245.89 6.52 252.41 351.84 604.25 21.80 4.32 26.12 69.72 95.84 224.09 2.20 226.29 282.11 508.40
HDFC STANDARD 2927.90 2564.20 5492.10 9337.80 14829.90 1845.36 530.68 2376.04 5950.92 8326.96 1082.54 2033.51 3116.06 3386.88 6502.94
ICICI PRUDENTIAL 4573.17 758.96 5332.13 9974.49 15306.62 3884.90 480.25 4365.15 6799.21 11164.35 688.27 278.71 966.98 3175.28 4142.26

132
IDBI FEDERAL 257.64 226.86 484.50 585.12 1069.62 17.30 105.24 122.54 84.57 207.11 240.34 121.62 361.96 500.56 862.52
INDIAFIRST 155.67 1383.01 1538.67 495.43 2034.11 91.74 76.24 167.98 444.98 612.96 63.93 1306.77 1370.69 50.45 1421.14
KOTAK MAHINDRA 1061.42 478.76 1540.18 1497.88 3038.05 269.02 137.95 406.98 622.47 1029.45 792.40 340.80 1133.20 875.41 2008.61
ANNUAL REPORT 2015-16

MAX LIFE 1924.78 647.82 2572.60 5599.02 8171.62 521.52 38.69 560.21 1553.96 2114.18 1403.26 609.13 2012.39 4045.05 6057.44
PNB METLIFE 812.90 16.16 829.06 1632.12 2461.19 307.22 9.53 316.75 674.92 991.67 505.68 6.63 512.31 957.21 1469.52
RELIANCE NIPPON 1971.09 98.59 2069.69 2551.40 4621.08 505.52 21.74 527.26 668.46 1195.72 1465.57 76.86 1542.43 1882.93 3425.36
SAHARA 10.35 28.10 38.44 128.41 166.86 0.10 2.89 2.99 13.99 16.99 10.24 25.21 35.45 114.42 149.87
SBI LIFE 3330.72 2198.44 5529.16 7337.95 12867.11 1379.84 555.29 1935.12 3351.78 5286.90 1950.88 1643.15 3594.03 3986.17 7580.21
SHRIRAM LIFE 273.46 225.06 498.52 236.13 734.66 2.04 24.38 26.42 32.65 59.07 271.42 200.68 472.10 203.49 675.59
STAR UNION DAI-ICHI 551.74 78.19 629.93 504.75 1134.68 218.41 34.70 253.11 284.37 537.48 333.33 43.48 376.81 220.39 597.20
TATA AIA 293.91 18.14 312.05 1810.61 2122.66 54.44 1.44 55.88 631.20 687.08 239.48 16.69 256.17 1179.41 1435.58
PRIVATE TOTAL 23901.76 10920.05 34821.81 53612.54 88434.35 10564.52 2705.96 13270.48 26470.27 39740.75 13337.24 8214.09 21551.33 27142.28 48693.60
LIC 23112.20 55395.51 78507.72 161159.94 239667.65 0.68 1.36 2.04 1875.01 1877.05 23111.52 55394.15 78505.67 159284.93 237790.60
GRAND TOTAL 47013.97 66315.56 113329.52 214772.48 328102.01 10565.21 2707.32 13272.53 28345.28 41617.80 36448.76 63608.24 100057.00 186427.20 286484.20
Note : 1) First Year Premium = Regular Premium + Single Premium
2) Total Premium = First Year Premium + Renewal Premium
 STATEMENT 6
INDIVIDUAL DEATH CLAIMS FOR THE YEAR 2015-16
(Benefit Amount in `crore)
Life Insurer Claims pending at Claims intimated / Total Claims Claims paid Claims repudiated / Claims written Claims pending at Break up of claims pending
start of the period booked rejected back at end of the period -- duration wise (Policies)
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit <3 3-<6 6 - <1 > 1 yr Total
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount mths mths yr
Aegon Religare 1 0.10 532 42.54 533 42.64 508 40.15 20 1.12 0 0.00 5 1.37 5 0 0 0 5
100% 100% 95.31% 94.16% 3.75% 2.63% - - 0.94% 3.21% 100.00% 100%
Aviva 9 2.07 1522 138.54 1531 140.60 1255 101.39 266 36.02 0.00 0.00 10 3.20 10 0 0 0 10
100% 100% 81.97% 72.11% 17.37% 25.62% - - 0.65% 2.27% 100.00% 100%
Bajaj Allianz 624 36.36 17343 404.30 17967 440.67 16404 352.46 1140 56.47 0.00 0.00 423 31.73 377 46 0 0 423
100% 100% 91.30% 79.98% 6.34% 12.82% - - 2.35% 7.20% 89.13% 10.87% 100%
Bharti Axa 32 3.29 1229 68.70 1261 71.99 1009 50.79 166 13.66 0.00 0.00 86 7.55 68 18 0 0 86
100% 100% 80.02% 70.55% 13.16% 18.97% - - 6.82% 10.48% 79.07% 20.93% 100%
Birla Sunlife 142 17.72 7062 259.79 7204 277.51 6372 215.97 566 37.40 0.00 0.00 266 24.14 225 10 5 26 266
100% 100% 88.45% 77.82% 7.86% 13.48% - - 3.69% 8.70% 84.59% 3.76% 1.88% 9.77% 100%
Canara HSBC OBC 18 2.38 553 30.51 571 32.89 531 30.05 36 2.25 0.00 0.00 4 0.59 1 0 1 2 4
100% 100% 92.99% 91.37% 6.30% 6.83% - - 0.70% 1.80% 25.00% 25.00% 50.00% 100%

133
DHFL Pramerica 55 2.41 495 16.45 550 18.87 460 13.80 74 4.29 3.00 0.05 13 0.73 13 0 0 0 13
100% 100% 83.64% 73.14% 13.45% 22.72% 0.55% 0.25% 2.36% 3.89% 100.00% 100%
Edelweiss Tokio 6 1.03 135 15.31 141 16.34 120 14.13 18 2.13 0 0.00 3 0.08 3 0 0 0 3
100% 100% 85.11% 86.47% 12.77% 13.04% - - 2.13% 0.49% 100.00% 100%
ANNUAL REPORT 2015-16

Exide Life 48 4.15 3185 76.60 3233 80.75 2889 51.69 327 27.96 0 0.00 17 1.11 17 0 0 0 17
100% 100% 89.36% 64.01% 10.11% 34.62% - - 0.53% 1.37% 100.00% 100%
Future Generali 38 1.75 1492 30.47 1530 32.22 1381 25.93 132 5.50 0.00 0.00 17 0.79 14 1 2 0 17
100% 100% 90.26% 80.48% 8.63% 17.07% - - 1.11% 2.45% 82.35% 5.88% 11.76% 100%
HDFC Standard 275 53.55 12155 378.96 12430 432.51 11811 300.19 540 105.07 0.00 0.00 79 27.25 72 7 0 0 79
100% 100% 95.02% 69.41% 4.34% 24.29% - - 0.64% 6.30% 91.14% 8.86% 100%
ICICI Prudential 96 14.14 10938 446.43 11034 460.57 10615 405.63 386 46.70 0.00 0.00 33 8.24 32 0 0 1 33
100% 100% 96.20% 88.07% 3.50% 10.14% - - 0.30% 1.79% 96.97% 3.03% 100%
IDBI Federal 44 3.56 1041 49.55 1085 53.11 920 43.39 145 8.40 0 0.00 20 1.32 19 0 0 1 20
100% 100% 84.79% 81.69% 13.36% 15.82% - - 1.84% 2.49% 95.00% 5.00% 100%
India First 82 6.14 1809 59.60 1891 65.74 1359 41.35 482 20.75 0 0.00 50 3.64 44 6 0 0 50
100% 100% 71.87% 62.90% 25.49% 31.56% - - 2.64% 5.54% 88.00% 12.00% 100%
Note: 1) First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
 Contd.. STATEMENT 6
INDIVIDUAL DEATH CLAIMS FOR THE YEAR 2015-16
(Benefit Amount in `crore)
Life Insurer Claims pending at Claims intimated / Total Claims Claims paid Claims repudiated / Claims written Claims pending at Break up of claims pending
start of the period booked rejected back at end of the period -- duration wise (Policies)
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit <3 3-<6 6 - <1 > 1 yr Total
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount mths mths yr
Kotak Mahindra
Old Mutual 87 8.19 2680 103.86 2767 112.05 2465 93.65 210 11.00 0.00 0.00 92 7.40 21 12 14 45 92
100% 100% 89.09% 83.58% 7.59% 9.82% - - 3.32% 6.60% 22.83% 13.04% 15.22% 48.91% 100%

Max Life 6 2.09 9169 278.97 9175 281.07 8895 261.91 276 16.94 0.00 0.00 4 2.21 4 0 0 0 4
100% 100% 96.95% 93.19% 3..01% 6.03% - - 0.04% 0.79% 100.00% 100%

PNB Met Life 37 6.74 3057 163.41 3094 170.14 2641 125.42 427 40.93 0 0.00 26 3.80 23 3 0 0 26
100% 100% 85.36% 73.71% 13.80% 24.06% - - 0.84% 2.23% 88.46% 11.54% 100%

Reliance Life 1050 32.84 13568 234.11 14618 266.96 13714 220.42 721 35.76 0 0.00 183 10.77 163 7 4 9 183
100% 100% 93.82% 82.57% 4.93% 13.40% - - 1.25% 4.03% 89.07% 3.83% 2.19% 4.92% 100%

Sahara 28 0.29 766 7.41 794 7.70 717 6.95 52 0.45 0 0.00 25 0.29 24 1 0 0 25
100% 100% 90.30% 90.35% 6.55% 5.85% - - 3.15% 3.79% 96.00% 4.00% 100%

134
SBI Life 470 31.40 15632 437.71 16102 469.10 15037 389.58 767 38.45 0 0.00 298 41.06 120 24 44 110 298
100% 100% 93.39% 83.05% 4.76% 8.20% - - 1.85% 8.75% 40.27% 8.05% 14.77% 36.91% 100%

Shriram 220 11.48 2290 75.86 2510 87.35 1512 42.05 726 33.22 0.00 0.00 272 12.07 232 26 5 9 272
ANNUAL REPORT 2015-16

100% 100% 60.24% 48.15% 28.92% 38.04% - - 10.84% 13.82% 85.29% 9.56% 1.84% 3.31% 100%

Star Union 4 0.33 1361 47.87 1365 48.20 1102 32.48 72 3.54 0.00 0.00 191 12.18 127 55 7 2 191
100% 100% 80.73% 67.39% 5.27% 7.34% - - 13.99% 25.28% 66.49% 28.80% 3.66% 1.05% 100%

Tata AIA 37 2.45 3274 89.96 3311 92.41 3205 87.09 106 5.32 0.00 0.00 0 0 0 0 0 0 0
100% 100% 96.80% 94.24% 3.20% 5.76% - - - - 0%

Private Total 3409 244.46 111288 3456.93 114697 3701.39 104922 2946.49 7655 553.33 3 0.05 2117 201.52 1614 216 82 205 2117
100% 100% 91.48% 79.60% 6.67% 14.95% 0.00% 0.00% 1.85% 5.44% 76.24% 10.20% 3.87% 9.68% 100%

LIC 3652 207.63 758331 9929.46 761983 10137.09 749249 9690.17 7502 183.18 1318 21.03 3914 243 693 796 1441 984 3914
100% 100% 98.33% 95.59% 0.98% 1.81% 0.17% 0.21% 0.51% 2.39% 17.71% 20.34% 36.82% 25.14% 100%

Industry Total 7061 452.09 869619 13386.39 876680 13838.48 854171 12636.66 15157 736.51 1321 21.08 6031 444.23 2307 1012 1523 1189 6031
100% 100% 97.43% 91.32% 1.73% 5.32% 0.15% 0.15% 0.69% 3.21% 38.25% 16.78% 25.25% 19.71% 100%
Note: 1) First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
 STATEMENT 7
GROUP DEATH CLAIMS FOR THE YEAR 2015-16
(Benefit Amount in `crore)
Life Insurer Claims pending at Claims intimated / Total Claims Claims paid Claims repudiated / Claims written Claims pending at Break up of claims pending
start of the period booked rejected back at end of the period -- duration wise (Lives)
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit <3 3-<6 6 - <1 > 1 yr Total
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount mths mths yr
Aegon Religare 0 0.00 1 0.09 1 0.09 1 0.09 0 0.00 0 0.00 0 0 0 0 0 0 0
100% 100% 100.00% 100.00% - - - - - - 0%
Aviva 0 0.00 2075 10.85 2075 10.85 2068 10.76 7 0.09 0.00 0.00 0 0 0 0 0 0 0
100% 100% 99.66% 99.16% 0.34% 0.84% - - - 0.00% 0%
Bajaj Allianz 323 9.16 150211 509.14 150534 518.30 148840 486.44 1595 23.22 0.00 0.00 99 8.64 96 3 0 0 99
100% 100% 98.87% 93.85% 1.06% 4.48% - - 0.07% 1.67% 96.97% 3.03% 100%
Bharti Axa 0 0.00 209 15.48 209 15.48 175 12.45 28 2.32 0.00 0.00 6 0.71 6 0 0 0 6
100% 100% 83.73% 80.41% 13.40% 15.01% - - 2.87% 4.58% 100.00% 100%
Birla Sunlife 0 0.00 2312 113.29 2312 113.29 2309 112.97 3 0.33 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 99.87% 99.71% 0.13% 0.29% - - - 0.00% 0%
Canara HSBC OBC 1 0.00 540 5.35 541 5.35 525 4.33 15 0.72 0.00 0.00 1 0.30 1 0 0 0 1
100% 100% 97.04% 80.99% 2.77% 13.47% - - 0.18% 5.54% 100.00% 100%

135
DHFL Pramerica 432 2.25 15525 58.73 15957 60.98 15733 53.29 176 4.60 0.00 0.00 48 3.09 47 1 0 0 48
100% 100% 98.60% 87.39% 1.10% 7.54% - - 0.30% 5.07% 97.92% 2.08% 100%
Edelweiss Tokio 8 0.18 1264 10.74 1272 10.92 1269 10.90 0 0.00 0 0.00 3 0.02 3 0 0 0 3
100% 100% 99.76% 99.85% - - - - 0.24% 0.15% 100.00% 100%
ANNUAL REPORT 2015-16

Exide Life 0 0.00 698 23.68 698 23.68 697 23.61 1 0.08 0 0.00 0 0.00 0 0 0 0 0
100% 100% 99.86% 99.68% 0.14% 0.32% - - - 0.00% 0%
Future Generali 12435 18.12 191 29.23 12626 47.34 198 24.69 0 0.00 0.00 0.00 12428 22.65 10 3 1 12414 12428
100% 100% 1.57% 52.16% - - - - 98.43% 47.84% 0.08% 0.02% 0.01% 99.89% 100%
HDFC Standard 0 0.00 13814 115.22 13814 115.22 13742 106.33 72 8.89 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 99.48% 92.28% 0.52% 7.72% - - - 0.00% 0%
ICICI Prudential 8 1.96 1876 81.09 1884 83.05 1876 81.12 -3 -0.41 0.00 0.00 11 2.34 6 0 0 5 11
100% 100% 99.58% 97.68% -0.16% -0.49% - - 0.58% 2.81% 54.55% 45.45% 100%
IDBI Federal 1 0.13 1755 19.06 1756 19.19 1753 18.43 3 0.30 0 0.00 0 0.46 0 0 0 0 0
100% 100% 99.83% 96.04% 0.17% 1.55% - - - 2.41% 0%
India First 28 1.10 6486 117.30 6514 118.40 6197 108.91 288 8.10 0 0.00 29 1.39 24 1 0 4 29
100% 100% 95.13% 91.98% 4.42% 6.84% - - 0.45% 1.18% 82.76% 3.45% 13.79% 100%
Note: 1) First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
 Contd... STATEMENT 7
GROUP DEATH CLAIMS FOR THE YEAR 2015-16
(Benefit Amount in `crore)
Life Insurer Claims pending at Claims intimated / Total Claims Claims paid Claims repudiated / Claims written Claims pending at Break up of claims pending
start of the period booked rejected back at end of the period -- duration wise (Lives)
No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit No of Benefit <3 3-<6 6 - <1 > 1 yr Total
Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount mths mths yr
Kotak Mahindra
Old Mutual 44 3.10 34728 282.73 34772 285.83 34501 272.03 204 9.12 0.00 0.00 67 4.69 11 10 24 22 67
100% 100% 99.22% 95.17% 0.59% 3.19% - - 0.19% 1.64% 16.42% 14.93% 35.82% 32.84% 100%

Max Life 1 0.53 3702 47.84 3703 48.36 3688 46.40 15 1.96 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 99.59% 95.95% 0.41% 4.05% - - - 0.00% 0%

PNB Met Life 4 0.22 1923 132.93 1927 133.15 1915 132.26 11 0.48 0 0.00 1 0.41 1 0 0 0 1
100% 100% 99.38% 99.33% 0.57% 0.36% - - 0.05% 0.31% 100.00% 100%

Reliance Life 3 0.06 6386 51.41 6389 51.47 6354 50.26 19 0.73 0 0.00 16 0.48 14 1 1 16
100% 100% 99.45% 97.65% 0.30% 1.41% - - 0.25% 0.94% 87.50% 6.25% 6.25% 100%

Sahara 0 0.00 69 0.07 69 0.07 67 0.07 0 0.00 0 0.00 2 0.00 2 0 0 0 2

100% 100% 97.10% 97.10% - - - - 2.90% 2.90% 100.00% 100%

136
SBI Life 179 8.46 19753 525.66 19932 534.12 19523 510.08 273 16.69 0 0.00 136 7.35 76 19 8 33 136
100% 100% 97.95% 95.50% 1.37% 3.12% - - 0.68% 1.38% 55.88% 13.97% 5.88% 24.26% 100%

Shriram 0 0.00 14589 96.20 14589 96.20 14575 95.77 14 0.43 0.00 0.00 0 0.00 0
ANNUAL REPORT 2015-16

100% 100% 99.90% 99.56% 0.10% 0.44% - - - 0.00% 0%

Star Union 0 0.19 5081 88.42 5081 88.61 4740 80.29 32 1.64 0.00 0.00 309 6.68 242 53 14 0 309
100% 100% 93.29% 90.61% 0.63% 1.85% - 0.00% 6.08% 7.54% 78.32% 17.15% 4.53% 100%

Tata AIA 36 1.92 1142 61.76 1178 63.69 1147 61.51 31 2.17 0.00 0.00 0 0.00 0 0 0 0 0
100% 100% 97.37% 96.59% 2.63% 3.40% - - - 0.01% 0%

Private Total 13503 47.38 284330 2396.28 297833 2443.66 281893 2303.00 2784 81.44 0 0.00 13156 59.22 539 91 47 12479 13156
100% 100% 94.65% 94.24% 0.93% 3.33% - 0.00% 4.42% 2.42% 4.10% 0.69% 0.36% 94.85% 100%

LIC 885 7.31 246619 2495.62 247504 2502.93 246745 2494.03 101 0.50 0 0.00 658 8.40 120 47 70 421 658
100% 100% 99.69% 99.64% 0.04% 0.02% - - 0.27% 0.34% 18.24% 7.14% 10.64% 63.98% 100%

Industry Total 14388 54.69 530949 4891.90 545337 4946.59 528638 4797.03 2885 81.94 0 0.00 13814 67.62 659 138 117 12900 13814
100% 100% 96.94% 96.98% 0.53% 1.66% - 0.00% 2.53% 1.37% 4.77% 1.00% 0.85% 93.38% 100%
Note: 1) First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
 STATEMENT 8
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
(` Crore)
INSURER LIFE FUND
Central Government State Government & Housing & Infrastructure Approved Other Total
Securities Other Approved Securities Investments Investments Investments (Life Fund)
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
AEGON RELIGARE 469.94 317.64 7.44 4.68 192.78 109.97 74.34 64.87 1.01 35.94 745.51 533.10
AVIVA 2367.60 1856.75 138.99 139.02 798.23 596.10 254.54 246.97 0.00 0.01 3559.36 2838.85
BAJAJ ALLIANZ 11331.19 9881.46 1117.83 1427.01 3722.47 3200.89 3635.21 2901.38 247.78 136.11 20054.48 17546.85
BHARTI AXA 458.78 278.25 231.50 186.45 265.84 149.64 359.70 250.88 71.18 32.59 1387.00 897.81
BIRLA SUNLIFE 2615.63 1995.60 77.95 77.96 1195.58 1079.14 586.14 552.11 480.18 103.36 4955.48 3808.17
CANARA HSBC 1005.68 833.20 31.51 31.35 618.06 395.34 93.42 70.36 109.80 72.47 1858.47 1402.72
DHFL PRAMERICA 688.97 576.39 57.99 20.27 379.39 302.81 149.77 120.27 6.44 3.33 1282.56 1023.08
EDELWEISS TOKIO 287.22 168.86 0.00 0.00 298.08 74.19 556.02 404.92 108.59 20.33 1249.91 668.30
EXIDE LIFE 3527.82 2576.99 177.78 165.87 1166.29 1180.56 849.86 766.16 121.40 92.88 5843.15 4782.46
FUTURE GENERALI 671.07 557.79 165.53 195.47 295.95 378.92 384.83 327.09 19.46 2.33 1536.84 1461.60
HDFC STANDARD 10596.93 8067.26 474.75 292.74 3711.23 3513.82 5308.53 4159.49 1009.63 279.76 21101.07 16313.07

137
ICICI PRUDENTIAL 12585.83 10431.94 1176.79 527.10 4145.91 3500.40 4779.58 4590.95 492.53 186.52 23180.64 19236.91
IDBI FEDERAL 1342.37 1069.31 227.58 151.00 593.71 575.95 637.84 466.51 12.48 0.00 2813.98 2262.76
INDIAFIRST 440.80 323.25 86.99 61.41 212.48 132.44 191.77 143.12 8.73 1.25 940.77 661.47
ANNUAL REPORT 2015-16

KOTAK MAHINDRA 4341.62 2927.05 69.39 192.40 1049.43 865.47 979.10 860.33 259.00 171.12 6698.54 5016.37
MAX LIFE 13521.13 10230.86 1350.40 1289.68 3468.72 2832.14 3474.23 2544.62 126.85 92.68 21941.33 16989.97
PNB METLIFE 3725.39 3424.25 210.71 154.09 1520.00 1285.19 1166.58 346.39 0.00 0.00 6622.68 5209.91
RELIANCE 4210.02 2476.41 431.02 827.34 1846.97 1512.09 1366.35 1038.34 163.77 144.69 8018.13 5998.86
SAHARA 318.76 289.99 202.72 188.71 300.87 244.14 92.59 96.96 36.01 31.21 950.95 851.01
SBI LIFE 11741.14 9123.22 777.26 889.25 4203.34 3365.59 4847.37 3449.26 879.66 182.93 22448.77 17010.24
SHRIRAM LIFE 384.17 423.66 247.49 118.40 224.89 203.20 371.04 241.70 178.78 107.20 1406.37 1094.16
STAR UNION DAI-ICHI 884.62 685.29 86.30 86.35 291.30 244.20 380.07 170.72 17.61 1.64 1659.90 1188.20
TATA AIA 6431.51 5878.60 343.94 325.94 2009.89 1702.44 1395.95 770.83 0.00 6.55 10181.29 8684.36
PRIVATE TOTAL 93948.19 74394.02 7691.86 7352.49 32511.41 27444.61 31934.83 24584.24 4350.89 1704.90 170437.18 135480.26
LIC 602617.50 548898.83 369746.35 321376.39 153600.13 147066.38 372257.61 317999.04 28794.17 24488.24 1527015.76 1359828.88
INDUSTRY TOTAL 696565.69 623292.85 377438.21 328728.88 186111.54 174510.99 404192.44 342583.28 33145.06 26193.14 1697452.94 1495309.14
 Contd STATEMENT 8
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
(` Crore)
INSURER PENSION & GENERAL ANNUITY & GROUP FUND
Central Govt - State Govt & Other Approved Total (Pension & General
Securities Approved Securities Investments Annuity & Group Fund)
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
AEGON RELIGARE 3.80 3.74 0.35 0.35 1.14 0.23 5.29 4.32
AVIVA 191.42 352.33 1.02 1.02 195.58 312.65 388.02 666.01
BAJAJ ALLIANZ 1501.96 1383.15 595.84 336.22 2511.24 2246.41 4609.04 3965.78
BHARTI AXA 56.84 48.98 54.18 18.77 153.34 87.82 264.36 155.57
BIRLA SUNLIFE 953.87 728.60 98.91 85.25 1406.41 1027.61 2459.19 1841.46
CANARA HSBC 378.82 243.69 93.33 83.40 610.22 433.57 1082.37 760.66
DLF PRAMERICA 259.80 128.78 5.02 5.02 257.23 134.48 522.05 268.28
EDELWEISS TOKIO 18.59 14.83 0.00 0.00 14.98 7.38 33.57 22.21
EXIDE LIFE 664.17 573.28 99.08 103.65 687.53 681.59 1450.78 1358.52
FUTURE GENERALI 105.95 101.21 96.08 52.83 231.15 159.75 433.18 313.79

138
HDFC STANDARD 2711.60 1794.90 624.51 599.15 4084.92 3374.96 7421.03 5769.01
ICICI PRUDENTIAL 2209.97 2138.75 166.19 257.57 937.89 1465.21 3314.05 3861.53
IDBI FEDERAL 79.70 56.25 84.28 53.58 134.37 131.10 298.35 240.93
INDIAFIRST 1976.01 1445.47 574.60 544.17 2158.30 1751.33 4708.91 3740.97
ANNUAL REPORT 2015-16

KOTAK MAHINDRA 229.48 171.18 75.25 42.30 222.16 140.96 526.89 354.44
MAX LIFE 418.13 323.86 70.25 56.99 221.49 190.22 709.87 571.07
PNB METLIFE 78.10 130.83 0.97 5.99 91.32 85.86 170.39 222.68
RELIANCE 154.00 305.6002 73.96 165.82 193.98 569.74 421.94 1041.15
SAHARA 2.58 2.68 0.00 0.00 0.28 0.43 2.86 3.11
SBI LIFE 9288.70 7689.10 2611.23 2337.14 9085.13 8927.19 20985.06 18953.43
SHRIRAM LIFE 71.79 68.72 36.74 13.11 161.98 110.36 270.51 192.19
STAR UNION DAI-ICHI 372.47 282.34 137.29 115.99 370.47 375.64 880.23 773.97
TATA AIA 295.94 262.92 23.84 36.9600 261.72 279.05 581.50 578.93
PRIVATE TOTAL 22023.69 18251.19 5522.92 4915.27 23992.83 22493.55 51539.44 45660.00
LIC 112460.06 81411.04 145244.51 96910.06 154959.34 165491.47 412663.91 343812.57
INDUSTRY TOTAL 134483.75 99662.23 150767.43 101825.33 178952.17 187985.02 464203.35 389472.57
 Contd STATEMENT 8
ASSETS UNDER MANAGEMENT OF LIFE INSURERS
(` Crore)
INSURER UNIT LINKED FUND
Approved Other Total TOTAL
Investments Investments (ULIP Funds) (ALL FUNDS)
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
AEGON RELIGARE 993.02 1129.02 41.12 46.28 1034.14 1175.31 1784.94 1712.73
AVIVA 4768.04 5536.92 36.61 80.94 4804.65 5617.85 8752.03 9122.71
BAJAJ ALLIANZ 18430.99 20429.20 790.47 1215.84 19221.46 21645.04 43884.98 43157.67
BHARTI AXA 1321.22 1741.65 104.00 167.20 1425.22 1908.85 3076.58 2962.23
BIRLA SUNLIFE 22044.12 23348.63 1284.15 1046.77 23328.27 24395.40 30742.94 30045.03
CANARA HSBC 6375.65 7239.68 469.16 380.33 6844.81 7620.01 9785.65 9783.39
DLF PRAMERICA 220.71 249.54 2.48 1.91 223.19 251.44 2027.80 1542.80
EDELWEISS TOKIO 104.45 54.69 9.62 4.92 114.07 59.61 1397.55 750.13
EXIDE LIFE 2010.05 2310.07 142.01 158.71 2152.06 2468.78 9445.99 8609.76
FUTURE GENERALI 661.56 865.71 30.47 12.84 692.03 878.55 2662.05 2653.94

139
HDFC STANDARD 44037.25 43332.60 1689.76 1587.72 45727.01 44920.32 74249.11 67002.40
ICICI PRUDENTIAL 73655.26 73437.94 1640.52 1339.59 75295.78 74777.54 101790.47 97875.98
IDBI FEDERAL 1614.90 1743.13 11.24 13.42 1626.14 1756.55 4738.47 4260.24
INDIAFIRST 3227.69 3490.13 19.68 105.36 3247.37 3595.49 8897.05 7997.93
ANNUAL REPORT 2015-16

KOTAK MAHINDRA 8998.39 9048.67 552.86 631.44 9551.25 9680.11 16776.68 15050.92
MAX LIFE 12451.46 12742.31 702.33 657.26 13153.79 13399.57 35804.99 30960.61
PNB METLIFE 6594.22 7273.07 88.11 30.54 6682.33 7303.62 13475.40 12736.20
RELIANCE 7055.17 8293.98 440.50 493.77 7495.67 8787.75 15935.74 15827.76
SAHARA 188.08 267.99 0.59 3.54 188.67 271.53 1142.48 1125.65
SBI LIFE 34227.88 33994.08 1794.01 815.99 36021.89 34810.07 79455.72 70773.75
SHRIRAM LIFE 818.72 1027.09 43.80 36.59 862.52 1063.68 2539.40 2350.03
STAR UNION DAI-ICHI 2989.91 3389.13 65.61 33.49 3055.52 3422.62 5595.65 5384.79
TATA AIA 7961.07 10021.27 263.83 238.42 8224.90 10259.69 18987.69 19522.98
PRIVATE TOTAL 260749.81 270966.49 10222.93 9102.88 270972.74 280069.37 492949.36 461209.63
LIC 68224.31 81404.95 1214.95 1266.15 69439.26 82671.10 2009118.93 1786312.55
INDUSTRY TOTAL 328974.12 352371.44 11437.88 10369.03 340412.00 362740.47 2502068.29 2247522.18
 ANNUAL REPORT 2015-16

STATEMENT 9
EQUITY SHARE CAPITAL OF LIFE INSURERS
(` Crore)
Insurer As on Infusion As on Foreign Indian FDI
31st March, During the 31st March, Promoter Promoter
2015" year 2016

AEGON LIFE 1310.50 48.94 1359.44 666.13 693.31 49.00%

AVIVA LIFE 2004.90 0.00 2004.90 521.27 1483.63 26.00%

BAJAJ ALLIANZ 150.70 0.00 150.70 39.18 111.52 26.00%

BHARTI AXA 2115.70 170.50 2286.20 1120.24 1165.96 49.00%

BIRLA SUNLIFE 1901.21 0.00 1901.21 494.31 1406.90 26.00%

CANARA HSBC 950.00 0.00 950.00 247.00 703.00 26.00%

DHFL PRAMERICA 374.06 0.00 374.06 97.26 276.80 26.00%

EDELWEISS TOKIO 180.29 81.30 261.59 128.18 133.41 49.00%

EXIDE LIFE 1750.00 0.00 1750.00 0.00 1750.00 0.00%

FUTURE GENERALI 1452.00 0.00 1452.00 370.26 1081.74 25.50%

HDFC STANDARD 1994.88 0.41 1995.29 518.67 1476.62 25.99%

ICICI PRUDENTIAL 1431.72 0.60 1432.32 370.78 1061.53 25.89%

IDBI FEDERAL 799.78 0.11 799.89 208.00 591.89 26.00%

INDIAFIRST 475.00 150.00 625.00 162.50 462.50 26.00%

KOTAK MAHINDRA 510.29 0.00 510.29 132.68 377.61 26.00%

MAX LIFE 1918.81 0.00 1918.81 479.70 1439.11 25.00%

PNB METLIFE 2012.88 0.00 2012.88 523.35 1489.53 26.00%

RELIANCE NIPPON 1196.32 0.00 1196.32 586.20 610.12 49.00%

SAHARA 232.00 0.00 232.00 0.00 232.00 0.00%

SBI LIFE 1000.00 0.00 1000.00 260.00 740.00 26.00%

SHRIRAM LIFE 175.00 0.05 175.05 0.00 175.05 0.00%

STAR UNION DAI-ICHI 250.00 0.00 250.00 65.00 185.00 26.00%

TATA AIA 1953.50 0.00 1953.50 507.91 1445.59 26.00%

Total (Private Sector) 26139.55 451.91 26591.46 7498.63 19092.83 28.20%

LIC 100.00 0.00 100.00 0.00 100.00 0.00%

Total (Life) 26239.55 451.91 26691.46 7498.63 19192.83 28.09%

140
 ANNUAL REPORT 2015-16

STATEMENT 10

QUARTERLY SOLVENCY RATIO OF LIFE INSURERS IN INDIA DURING

THE FINANCIAL YEAR 2015-16

S.No Name of the Life Insurer 30.06.2015 30.09.2015 31.12.2015 31.03.2016

1 AEGON Life Insurance Co. Ltd. 1.97 2.21 1.70 2.20

2 Aviva Life Insurance Co. Ltd. 3.92 3.93 3.89 3.84

3 Bajaj Allianz Life Insurance Co. Ltd. 7.87 8.09 7.97 7.93

4 Bharti AXA Life Insurance Co. Ltd. 2.00 1.62 1.69 2.19

5 Birla Sun Life Insurance Co. Ltd. 2.14 2.14 2.11 2.11

6 Canara HSBC OBC Life Insurance Co. Ltd. 3.53 3.84 4.04 4.11

7 DHFL Pramerica Life Insurance Co. Ltd. 12.79 13.12 12.15 10.31

8 Edelweiss Tokio Life Insurance Co. Ltd. 2.27 2.58 2.42 2.64

9 Exide Life Insurance Company Limited 2.74 2.52 2.42 2.65

10 Future Generali India Life Insurance Co. Ltd. 2.73 2.58 2.35 2.03

11 HDFC Standard Life Insurance Co. Ltd. 2.08 2.04 1.95 1.98

12 ICICI Prudential Life Insurance Co. Ltd. 3.40 3.28 3.20 3.20

13 IDBI Federal Life Insurance Co. Ltd. 5.13 4.85 4.80 4.06

14 IndiaFirst Life Insurance Co. Ltd. 1.63 1.58 2.16 2.17

15 Kotak Mahindra Old Mutual Life Insurance Co. Ltd. 3.21 3.16 3.20 3.11

16 Life Insurance Corporation of India 1.52 1.56 1.55 1.55

17 Max Life Insurance Co. Ltd. 4.27 4.01 4.02 3.43

18 PNB MetLife India Insurance Co. Ltd. 2.18 2.18 2.18 2.11

19 Reliance Life Insurance Co. Ltd. 3.65 3.68 3.62 3.04

20 Sahara India Life Insurance Co. Ltd. 8.15 8.05 8.24 8.04

21 SBI Life Insurance Co. Ltd. 2.10 2.15 2.16 2.12

22 Shriram Life Insurance Co. Ltd. 3.41 3.29 2.98 2.43

23 Star Union Dai-ichi Life Insurance Co. Ltd. 1.71 1.77 1.89 1.86

24 Tata AIA Life Insurance Co. Ltd. 3.62 3.61 3.53 3.48

Source: BAP submissions of Life Insurers

141
 STATEMENT 11
GROSS DIRECT PREMIUM OF NON-LIFE INSURERS (WITHIN & OUTSIDE INDIA)
(` Crore)
INSURER 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16
BAJAJ ALLIANZ -- 141.96 296.48 476.53 851.62 1272.29 1786.34 2379.92 2619.29 2482.33 2869.96 3286.62 4001.4 4516.44 5229.84 5832.15
BHARTI AXA -- -- -- -- -- -- -- -- 28.50 310.82 553.90 884.00 1218.43 1423.15 1457.06 1274.41
CHOLAMANDALAM -- -- 14.79 97.05 169.25 220.18 311.73 522.34 685.44 784.85 967.99 1346.54 1620.89 1855.11 1890.43 2452.00
FUTURE GENERALI -- -- -- -- -- -- -- 9.81 186.49 376.61 600.16 919.76 1105.39 1262.55 1438.24 1555.26
HDFC ERGO -- -- 9.49 112.95 175.63 200.94 194.00 220.60 339.21 915.40 1279.91 1839.46 2453.2 2906.98 3182.2 3379.55
ICICI LOMBARD -- 28.13 211.66 486.73 873.86 1582.86 2989.07 3307.12 3402.04 3295.06 4251.87 5150.14 6133.99 6856.16 6677.79 8090.71
IFFCO TOKIO 5.83 70.51 213.33 322.24 496.64 892.72 1144.47 1128.15 1374.06 1457.84 1783.18 1975.24 2565.03 2930.92 3329.96 3691.33
KOTAK MAHINDRA - - - - - - - - - - - - 3.71
L&T -- -- -- -- -- -- -- -- -- -- 17.24 143.40 182.07 253.78 331.71 473.39
RAHEJA QBE -- -- -- -- -- -- -- -- -- 1.32 4.90 14.79 21.3 23.23 21.62 28.76
RELIANCE 1.07 77.46 185.68 161.06 161.68 162.33 912.23 1946.42 1914.88 1979.65 1655.43 1712.55 2010.01 2388.82 2715.83 2791.56
ROYAL SUNDARAM 0.24 71.13 184.44 257.76 330.70 458.64 598.20 694.41 803.36 913.11 1143.99 1479.79 1560 1437.04 1569.2 1694.12
SBI -- -- -- -- -- -- -- -- -- -- 43.02 250.14 770.85 1187.57 1576.9 2039.85
SHRIRAM -- -- -- -- -- -- -- -- 113.76 416.93 780.89 1266.44 1541.38 1510.59 1496.51 1712.27
TATA AIG -- 78.46 233.93 343.52 448.24 572.70 710.55 782.64 823.92 853.80 1173.09 1641.57 2135.08 2362.71 2714.13 2958.56
UNIVERSAL SOMPO -- -- -- -- -- -- -- 0.48 30.14 189.28 299.10 404.58 534.35 540.44 701.1 903.79
MAGMA HDI 0.00 95.14 424.93 473.59 403.94
LIBERTY VIDEOCON 0.00 2.19 129.81 283.85 408.72
PRIVATE SECTOR 7.14 467.65 1349.80 2257.83 3507.62 5362.66 8646.57 10991.89 12321.09 13977.00 17424.63 22315.03 27950.70 32010.30 35089.96 39694.07
(6453.98) (188.64) (67.27) (55.35) (52.89) (61.24) (27.12) (12.09) (13.44) (24.67) (28.07) (25.26) (14.52) (9.59) (13.12)

142
NATIONAL 2227.73 2439.41 2869.87 3399.97 3810.65 3536.34 3827.12 4021.97 4295.85 4645.99 6245.17 7815.69 9194.6122 10260.96 11282.62 12018.98
NEW INDIA 3493.05 4198.06 4812.79 4921.47 5103.16 5675.54 5936.78 6151.97 6455.79 7099.14 8225.51 10073.88 11873.4881 13727.6 15480.35 17763.31
ORIENTAL 2247.10 2498.64 2868.15 2899.74 3090.55 3609.77 4020.78 3900.22 4077.89 4854.67 5569.88 6194.60 6737.6574 7282.53 7561.92 8611.59
UNITED 2524.00 2781.48 2969.63 3063.47 2944.46 3154.78 3498.77 3739.56 4277.77 5239.05 6376.66 8179.29 9266.0376 9708.93 10691.73 12250.36
PUBLIC SECTOR 10491.88 11917.59 13520.44 14284.65 14948.82 15976.44 17283.45 17813.71 19107.31 21838.85 26417.21 32263.46 37071.7953 40980.06 45016.62 50644.24
-- (13.59) (13.45) (5.65) (4.65) (6.87) (8.18) (3.07) (7.26) (14.30) (20.96) (22.13) (14.90) (10.54) (9.85) (12.50)
ANNUAL REPORT 2015-16

PUBLIC & PRIVATE TOTAL 10499.02 12385.24 14870.25 16542.49 18456.45 21339.10 25930.02 28805.60 31428.40 35815.85 43841.84 54578.49 65022.4953 72990.36 80106.58 90338.31
-- (17.97) (20.06) (11.25) (11.57) (15.62) (21.51) (11.09) (9.11) (13.96) (22.41) (24.49) (19.14) (12.12) (9.74) (12.77)
AIC -- -- -- 369.21 549.72 555.83 564.67 835.11 833.44 1520.40 1950.05 2576.85 3297.42 3395.00 2739.69 3521.22
ECGC -- 338.52 374.78 445.48 515.55 577.33 617.66 668.37 744.68 813.00 885.47 1004.83 1157.25 1303.72 1362.39 1320.73
SPECIALISED INSURERS 0.00 338.52 374.78 814.70 1065.26 1133.17 1182.33 1503.47 1578.12 2333.39 2835.52 3581.68 4454.67 4698.72 4102.08 4841.95
-- -- (10.71) (117.38) (30.76) (6.37) (4.34) (27.16) (4.96) (47.86) (21.52) (26.31) (24.37) (5.48) (-12.7) (18.04)
APOLLO MUNICH -- -- -- -- -- -- -- 2.97 48.14 114.66 282.69 475.64 619.99 692.47 803.12 1022.18
CIGNA TTK 0.33 21.82 143.82
MAX BUPA -- -- -- -- -- -- -- -- -- 0.13 25.53 99.08 207.22 308.85 372.65 476.01
RELIGARE HEALTH -- -- -- -- -- -- -- -- -- -- -- -- 38.79 152.30 275.80 503.32
STAR HEALTH -- -- -- -- -- -- 22.51 168.19 509.86 961.65 1227.55 1085.06 860.21 1091.07 1469.19 2007.34
STANDALONE HEALTH INSURERS 0.00 0.00 0.00 0.00 0.00 0.00 22.51 171.16 558.01 1076.44 1535.77 1659.78 1726.21 2245.02 2942.58 4152.67
-- -- -- -- -- -- 660.34 226.02 92.91 42.67 8.08 4.00 30.05 31.07 41.12
-- -- -- -- -- -- (0) (660.34) (226.02) (92.91) (42.67) (8.08) (4) (30.05) (31.07) (41.12)
GRAND TOTAL 10499.02 12723.76 15245.02 17357.18 19521.71 22472.27 27134.86 30480.23 33564.52 39225.68 48213.12 59819.96 71203.38 79934.14 87151.24 99332.93
(0) (21.19) (19.82) (13.85) (12.47) (15.11) (20.75) (12.33) (10.12) (16.87) (22.91) (24.07) (19.03) (12.26) (9.03) (13.98)
Note: Figures in the bracket represents the growth over the previous year in per cent.
-- represents business not started.
 STATEMENT 12
SEGMENT WISE GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS (WITHIN INDIA)
(` Lakh)
Insurer/Segments Fire Marine Motor Health Others TOTAL
2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16 2014-15 2015-16
PRIVATE INSURERS
BAJAJ ALLIANZ 43098 47627 12308 14154 291838 327729 79751 94225 95991 99481 522985 583215
BHARTI AXA 7793 6236 3206 2592 109352 101991 17623 9937 7732 6686 145707 127442
CHOLAMANDALAM 12434 20468 6413 7571 127909 166761 23797 31136 18490 19264 189043 245200
FUTURE GENERALI 13312 16200 5779 6114 82810 92785 18930 20405 22994 20023 143825 155526
HDFC ERGO 37469 42171 10669 10440 105165 117430 94285 109288 70633 58625 318221 337955
ICICI LOMBARD 54474 63270 24643 29980 341581 414981 155049 166284 92033 134555 667780 809071
IFFCO TOKIO 23240 26595 11394 11673 214197 240714 39039 48178 45127 41973 332997 369133
KOTAK MAHINDRA - 0 - 0 - 362 - 9 - 0 - 371
L&T 4181 6009 946 1448 20486 30194 4856 6837 2702 2851 33171 47339
RAHEJA QBE 62 77 0 3 42 543 32 15 2027 2238 2163 2876
RELIANCE 18932 25908 4599 5079 164254 166053 51970 56457 31829 25660 271584 279156
ROYAL SUNDARAM 7958 9409 3403 3320 115943 127391 24205 23595 5411 5696 156920 169412
SBI 51469 61535 1751 2220 53865 70794 38694 51678 11911 17757 157690 203985
SHRIRAM 1595 1971 76 128 146131 166641 562 657 1288 1829 149652 171227
TATA AIG 34863 38494 24905 26543 122458 141136 37928 39840 51260 49842 271414 295855
UNIVERSAL SOMPO 11924 13103 1614 1687 25130 31577 13891 14845 17551 29167 70111 90379
MAGMA HDI 2978 2913 1081 1239 40119 33448 134 177 3048 2618 47360 40394

143
LIBERTY VIDEOCON 1941 2780 367 797 19216 27447 5405 6985 1457 2863 28386 40872
PRIVATE INSURER TOTAL 327722 384765 113153 124989 1980497 2257979 606151 680547 481483 521129 3509009 3969408

PUBLIC INSURER
NATIONAL 92133 89655 29859 25835 517748 566460 389597 428410 94852 87247 1124189 1197607
NEW INDIA 164489 169184 66528 61753 536601 617729 412739 505864 140583 160422 1320940 1514951
ANNUAL REPORT 2015-16

ORIENTAL 96161 98403 39793 42033 286170 315064 220022 277815 98649 98159 740796 831474
UNITED 125149 131139 52673 43828 416917 472854 340887 437828 133547 139387 1069173 1225036
PUBLIC INSURER TOTAL 477933 488380 188853 173449 1757435 1972107 1363246 1649918 467631 485215 4255097 4769068

STANDALONE HEALTH INSURERS

APOLLO MUNICH - - - - - - 80313 102218 - - 80313 102218
CIGNA TTK - - - - - - 2183 14382 - - 2183 14382
MAX BUPA - - - - - - 37266 47601 - - 37266 47601
RELIGARE - - - - - - 27580 50332 - - 27580 50332
STAR HEALTH - - - - - - 146919 200734 - - 146919 200734
STANDALONE HEALTH
INSURERS TOTAL - - - - - - 294261 415267 294261 415267

SPECIALISED INSURERS
ECGC - - - - - - - - 136240 132073 136240 132073
AIC - - - - - - - - 273970 352122 273970 352122
SPECIALISED INSURERS TOTAL - - - - - - - - 410210 484195 410210 484195
Grand Total 805654 873146 302006 298437 3737932 4230085 2263657 2745731 1359324 1490539 8468577 9637938
Note: Health includes Personal Accident and Travel Insurance
 STATEMENT 13
HEALTH INSURANCE (EXCLUDING TRAVEL -DOMESTIC/OVERSEAS AND PERSONAL ACCIDENT)
GROSS PREMIUM AND NUMBER OF PERSONS COVERED (2015-16)
(No. of Policies in Actuals) ( No. of Persons in '000) ( Gross premium in `Lakh)
Government Sponsored Group Insurance Schemes Individual Family Individual Other TOTAL
Name of the Schemes including RSBY excluding Govt Sponsored Schemes Floater than Family Floater
Insurance Company No. of No. of Gross No. of No. of Gross No. of No. of Gross No. of No. of Gross No. of No. of Gross
policies Persons Premium policies Persons Premium policies Persons Premium policies Persons Premium policies Persons Premium
Covered Covered Covered Covered Covered
Bajaj Allianz 2211 1210 36882 170740 500 14978 262597 457 20765 435548 2167 72625
Bharti AXA 1474 282 7394 19528 36 924 21002 318 8319
Chola MS 9 1874 1141 11332 1447 15519 40043 136 2099 26723 37 1477 78107 3494 20236
Future Generali 3976 594 868 297 11231 16105 65 1389 14028 27 954 31001 4364 14167
HDFC ERGO 71 1257 348 10333 172931 435 18179 282337 244 28630 456525 1098 57142
ICICI Lombard 52 19200 3489 3497 2518 62437 109928 315 17350 653053 664 58491 766530 22697 141767
IFFCO Tokio 28 5226 7536 982 1606 26639 81819 317 5890 60868 85 2784 143697 7234 42849
Kotak General 56 0.16 5 71 0.08 4 127 0.24 9
Liberty Videocon 424 223 5548 1436 4 162 4088 4 186 5948 231 5897
L&T General 8 606 702 84 89 961 37294 113 2564 33148 45 2329 70534 852 6556
Magma HDI 1 0.001 0.05 1 0.001 0.05

144
Raheja QBE 84 0.08 2 84 0.08 2
Reliance 34 17074 25813 898 1878 18321 52724 162 4858 25581 27 1974 79237 19141 50966
Royal Sundaram 576 388 6700 71419 184 5199 109832 230 7757 181827 802 19656
SBI General 3860 2137 20611 2649 16 238 20821 26 709 27330 2179 21558
Shriram General
ANNUAL REPORT 2015-16

Tata AIG 10 1526 3567 1574 423 3543 102745 224 4092 38762 56 4828 143091 2229 16030
Universal Sompo 3873 762 7184 170328 369 6158 684 1 14 174885 1132 13356
Private Total 141 49552 42841 32910 13608 233304 1030217 2839 83162 1552206 1940 131827 2615474 67938 491134
National 21 75493 86903 10021 5262 182105 584809 1620 32715 1154480 2727 101438 1749331 85102 403161
New India 106 62039 67200 14726 10508 245391 480488 1613 42584 1210877 2965 128358 1706197 77124 483532
Oriental 8 2469 1435 223061 5410 160471 756652 2046 65221 449703 910 33671 1429424 10835 260798
United India 142 79670 47041 99502 19706 270817 304349 1440 31243 789670 2686 62473 1193663 103502 411574
Public Total 277 219671 202578 347310 40886 858784 2126298 6719 171763 3604730 9288 325940 6078615 276563 1559065
Apollo Munich 1036 1090 29800 330059 1068 42469 244925 375 22236 576020 2533 94505
Cigna TTK 5 9 5421 33903 102 4842 32681 33 3319 66589 144 13582
Max Bupa 3 1046 425 135 317 3852 134069 372 16180 130861 306 27098 265068 2040 47555
Religare 0 86 26 1728 635 16760 114297 360 14944 106582 116 12790 222607 1198 44520
Star Health 12 2917 1534 5444 496 14131 1316551 4394 130364 669551 740 48363 1991558 8547 194392
Stand Alone Health
Insurers Total 15 4049 1985 8348 2546 69964 1928879 6297 208801 1184600 1570 113806 3121842 14461 394555
Grand Total 433 273272 247404 388568 57039 1162052 5085394 15855 463725 6341536 12797 571573 11815931 358962 2444754
 STATEMENT 14
INCURRED CLAIMS RATIO-PUBLIC SECTOR NON-LIFE INSURERS 2015-16
INSURER Net Earned Premium (` In Lakh) Claims Incurred (Net) (` In Lakh) Incurred Claims Ratio (%)
Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total
PUBLIC INSURERS
NATIONAL 75646 20572 517057 388709 77155 1079138 68787 10480 464899 429135 54939 1028240 90.93 50.94 89.91 110.40 71.21 95.28
NEW INDIA 207326 47300 650000 445045 146313 1495983 147197 27244 531431 510180 98067 1314119 71.00 57.60 81.76 114.64 67.03 87.84
ORIENTAL 56559 29018 295944 235960 84908 702390 43533 21685 203258 270132 49351 587959 76.97 74.73 68.68 114.48 58.12 83.71
UNITED 79068 28877 417281 375121 101939 1002287 58754 20656 301372 458596 40732 880109 74.31 71.53 72.22 122.25 39.96 87.81
TOTAL 418599 125767 1880282 1444835 410314 4279798 318270 80064 1500960 1668042 243090 3810427 76.03 63.66 79.83 115.45 59.24 89.03

SPECIALISED
INSURERS
ECGC - - - - 979 979 - - - - 1001 1001 - - - - 102.22 102.22
AIC - - - - 1862 1862 - - - - 1856 1856 - - - - 99.66 99.66
TOTAL - - - - 2841 2841 - - - - 2857 2857 - - - - 100.54 100.54
GRAND TOTAL 418599 125767 1880282 1444835 413155 4282639 318270 80064 1500960 1668042 245946 3813283 76.03 63.66 79.83 115.45 59.53 89.04

145
INCURRED CLAIMS RATIO-PUBLIC SECTOR NON-LIFE INSURERS 2014-15
INSURER Net Earned Premium (`. In Lakh) Claims Incurred (Net) (` In Lakh) Incurred Claims Ratio (%)
Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total
ANNUAL REPORT 2015-16

PUBLIC INSURERS
NATIONAL 75331 20138 477416 332965 83965 989816 56333 11748 262074 366344 71019 767518 74.78 58.34 54.89 110.02 84.58 77.54
NEW INDIA 188733 61104 569219 368785 143688 1331529 144152 32167 496170 364302 82012 1118804 76.38 52.64 87.17 98.78 57.08 84.02
ORIENTAL 59002 30019 263244 200410 89841 642517 42506 12129 203850 234517 33149 526150 72.04 40.40 77.44 117.02 36.90 81.89
UNITED 80640 30454 368224 299246 103059 881623 60651 25865 252524 356057 49205 744303 75.21 84.93 68.58 118.98 47.74 84.42
TOTAL 403706 141714 1678103 1201406 420554 3845484 303642 81908 1214618 1321220 235386 3156775 75.21 57.80 72.38 109.97 55.97 82.09

SPECIALISED
INSURERS
ECGC - - - - 101927 101927 - - - - 116350 116350 - - - - 114.15 114.15
AIC - - - - 159838 159838 - - - - 173371 173371 - - - - 108.47 108.47
TOTAL - - - - 261765 261765 - - - - 289721 289721 - - - - 110.68 110.68
GRAND TOTAL 403706 141714 1678103 1201406 682319 4107249 303642 81908 1214618 1321220 525106 3446495 75.21 57.80 72.38 109.97 76.96 83.91
 STATEMENT 15
INCURRED CLAIMS RATIO-PRIVATE SECTOR NON-LIFE INSURERS 2015-16
INSURER Net Earned Premium (` In Lakh) Claims Incurred (Net) (` In Lakh) Incurred Claims Ratio (%)
Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total
BAJAJ ALLIANZ 16585 8488 288564 79332 29396 422365 11125 4135 207964 59450 22712 305386 67.08 48.71 72.07 74.94 77.26 72.30
BHARTI AXA 936 1181 100736 9987 2981 115822 2221 1237 92162 8531 3009 107161 237.20 104.77 91.49 85.41 100.95 92.52
CHOLAMANDALAM 4659 1574 134687 22552 5609 169080 1702 864 105628 10050 4134 122377 36.52 54.88 78.42 44.56 73.70 72.38
FUTURE GENERALI 4315 4866 74106 15062 9795 108144 3466 3673 58682 12281 9788 87890 80.33 75.49 79.19 81.53 99.93 81.27
HDFC ERGO 7330 7478 79025 63809 13212 170854 3718 7615 67802 32542 12738 124416 50.73 101.83 85.80 51.00 96.41 72.82
ICICI LOMBARD 9950 18493 295902 107460 50357 482162 6330 18033 237546 88212 42701 392821 63.62 97.51 80.28 82.09 84.80 81.47
IFFCO-TOKIO 4493 3961 216092 41531 14418 280495 2508 4003 164415 43296 7744 221967 55.83 101.05 76.09 104.25 53.71 79.13
KOTAK MAHINDRA - - 6 0.35 - 6 - - 21 0.12 - 21 - - 366.84 34.29 - 347.60
LIBERTY VIDEOCON 454 331 21295 6677 872 29630 806 301 18169 7079 838 27194 177.49 90.95 85.32 106.02 96.06 91.78
L&T 761 588 22346 4940 1148 29783 1413 509 16946 2298 730 21896 185.57 86.45 75.84 46.52 63.58 73.52
MAGMA HDI 190 105 35681 125 1221 37322 441 330 29270 242 1599 31883 232.02 316.00 82.03 192.87 130.99 85.43
RAHEJA QBE 35 2 114 19 1979 2149 22 (0.26) 123 18 373 535 61.88 (17.11) 107.85 94.15 18.83 24.90
RELIANCE 5604 2683 129625 54948 7080 199940 3627 3142 113156 52679 6147 178751 64.72 117.12 87.30 95.87 86.82 89.40

146
ROYAL SUNDARAM 2174 1412 112087 21565 1764 139002 1096 1086 92785 12631 420 108018 50.41 76.94 82.78 58.57 23.81 77.71
SBI 15278 1588 60054 38893 4876 120689 9900 1555 64813 21161 2698 100127 64.80 97.91 107.92 54.41 55.34 82.96
SHRIRAM 748 56 146204 219 880 148106 400 51 148482 141 341 149415 53.54 90.35 101.56 64.55 38.78 100.88
ANNUAL REPORT 2015-16

TATA AIG 2676 22582 127273 37258 16484 206274 2555 18248 106574 24163 7486 159026 95.47 80.81 83.74 64.85 45.41 77.09
UNIVERSAL SOMPO 5518 726 25309 13731 7772 53056 2850 603 18316 11681 4111 37561 51.65 83.12 72.37 85.07 52.89 70.80
SUB-TOTAL 81708 76114 1869105 518108 169843 2714879 54181 65385 1542854 386455 127568 2176444 66.31 85.90 82.55 74.59 75.11 80.17
STANDALONE
HEALTH INSURERS
APOLLO MUNICH - - - 77490 - 77490 - - - 50065 - 50065 - - - 64.61 - 64.61
CIGNA TTK - - - 7096 - 7096 - - - 5582 - 5582 - - - 78.66 - 78.66
MAX BUPA - - - 39311 - 39311 - - - 23402 - 23402 - - - 59.53 - 59.53
RELIGARE - - - 28773 - 28773 - - - 16472 - 16472 - - - 57.25 - 57.25
STAR HEALTH - - - 151387 - 151387 - - - 81455 - 81455 - - - 53.81 - 53.81
SUB-TOTAL - - - 304056 - 304056 - - - 176976 - 176976 - - - 58.20 - 58.20
GRAND TOTAL 81708 76114 1869105 822164 169843 3018935 54181 65385 1542854 563431 127568 2353420 66.31 85.90 82.55 68.53 75.11 77.96
 Contd... STATEMENT 15
INCURRED CLAIMS RATIO-PRIVATE SECTOR NON-LIFE INSURERS 2014-15
INSURER Net Earned Premium (` In Lakh) Claims Incurred (Net) (` In Lakh) Incurred Claims Ratio (%)
Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total Fire Marine Motor Health Others Total
BAJAJ ALLIANZ 14662 7201 265003 69512 26813 383190 9366 6468 189764 51152 18850 275599 63.88 89.82 71.61 73.59 70.30 71.92
BHARTI AXA 1143 808 96669 19117 2648 120384 916 783 81000 18636 1757 103091 80.12 96.88 83.79 97.48 66.35 85.64
CHOLAMANDALAM 4341 2027 116588 19635 5619 148210 2769 1454 92374 10295 3720 110612 63.78 71.74 79.23 52.43 66.21 74.63
FUTURE GENERALI 3347 3999 74933 14192 11441 107912 1649 2639 60276 11345 7519 83428 49.27 65.98 80.44 79.94 65.72 77.31
HDFC ERGO 6840 7169 80860 58145 14395 167409 6015 8152 73058 32843 11720 131788 87.94 113.71 90.35 56.48 81.42 78.72
ICICI LOMBARD 10885 16011 249673 106110 40854 423533 10235 15799 200060 92720 25529 344344 94.03 98.68 80.13 87.38 62.49 81.30
IFFCO-TOKIO 3920 4909 174710 29989 13186 226714 2155 3778 128387 27714 6120 168153 54.97 76.96 73.49 92.41 46.41 74.17
Liberty Videocon 363 105 14570 3747 415 19200 371 209 13345 3843 380 18148 102.17 199.18 91.59 102.56 91.56 94.52
L&T 848 436 14590 3502 1239 20614 692 539 10613 1819 1103 14765 81.59 123.86 72.74 51.93 89.02 71.63
MAGMA HDI 148 (121) 38807 66 1718 40618 584 100 31669 61 1639 34053 394.77 (82.47) 81.61 92.67 95.39 83.84
RAHEJA QBE 47 1 39 35 1831 1953 73 (1) (46) 41 474 542 154.91 (85.00) (116.92) 116.54 25.91 27.73
RELIANCE 4839 2187 133026 44927 6868 191847 3650 1861 121289 48291 5340 180430 75.43 85.07 91.18 107.49 77.76 94.05
ROYAL SUNDARAM 1824 1213 103045 22577 1686 130346 933 986 87438 11942 366 101665 51.15 81.26 84.85 52.89 21.72 78.00

147
SBI 13942 763 48292 24252 3884 91133 5703 1075 49867 19492 2036 78173 40.90 140.91 103.26 80.37 52.41 85.78
SHRIRAM 660 26 137721 214 803 139424 428 (24) 135690 152 335 136580 64.83 (92.08) 98.53 70.91 41.67 97.96
TATA AIG 2423 21088 104757 35591 16365 180224 2032 15458 79233 24892 6001 127616 83.84 73.30 75.63 69.94 36.67 70.81
ANNUAL REPORT 2015-16

UNIVERSAL SOMPO 5834 672 22584 9955 6579 45623 2779 572 18669 10176 1863 34060 47.64 85.17 82.67 102.22 28.32 74.65
SUB-TOTAL 76066 68494 1675866 461565 156343 2438335 50349 59848 1372685 365412 94752 1943046 66.19 87.38 81.91 79.17 60.61 79.69
STANDALONE
HEALTH INSURERS
APOLLO MUNICH - - - 65588 - 65588 - - - 41343 - 41343 - - - 63.03 - 63.03
CIGNA TTK - - - 667 - 667 - - - 429 - 429 - - - 64.33 - 64.33
MAX BUPA - - - 31524 - 31524 - - - 17388 - 17388 - - - 55.16 - 55.16
RELIGARE - - - 15372 - 15372 - - - 9397 - 9397 - - - 61.13 - 61.13
STAR HEALTH - - - 101793 - 101793 - - - 65106 - 65106 - - - 63.96 - 63.96
SUB-TOTAL - - - 214945 - 214945 - - - 133662 - 133662 - - - 62.18 - 62.18
GRAND TOTAL 76066 68494 1675866 676510 156343 2653279 50349 59848 1372685 499074 94752 2076708 66.19 87.38 81.91 73.77 60.61 78.27
Note: Figures in brackets indicates negative value
 STATEMENT 16
ASSETS UNDER MANAGEMENT OF NON-LIFE INSURERS
(` Crore)
INSURER Central Government State Government & Other Housing & Loans to Infrastructure Approved Investments Other Investments Total Investments
Securities Approved Securities State Government for Investments
Housing and FFE*
31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015 31.03.2016 31.03.2015
BAJAJ ALLIANZ 3906.13 3510.37 598.52 476.76 1112.76 688.31 1899.62 1315.63 1238.76 1386.64 178.86 138.61 8934.65 7516.32
BHARTI AXA 635.97 626.46 250.77 148.53 387.87 316.36 414.95 385.07 1068.00 974.61 82.72 9.90 2840.28 2460.92
CHOLAMANDALAM MS 840.62 684.06 411.19 321.20 526.83 361.48 588.40 409.29 1497.78 1388.07 10.00 0.00 3874.82 3164.10
FUTURE GENERALI 573.96 458.93 195.12 239.53 240.89 163.70 476.79 517.88 512.59 592.93 24.66 0.32 2024.01 1973.29
HDFC ERGO 1229.27 994.90 249.99 212.70 307.90 282.70 1241.02 1073.20 836.90 1091.50 266.22 101.80 4131.30 3756.80
ICICI LOMBARD 4511.27 3338.26 97.90 480.10 1144.53 1002.95 1904.51 2464.97 3159.74 2374.48 439.96 187.12 11257.91 9847.88
IFFCO TOKIO 1032.51 907.87 483.07 473.18 697.47 491.34 1489.47 730.20 1119.52 1766.21 9.02 0.00 4831.06 4368.80
L&T GENERAL 203.68 174.80 10.33 20.30 80.24 49.20 85.83 70.55 168.63 157.35 53.08 18.08 601.79 490.28
LIBERTY VIDEOCON 214.55 314.37 0.00 0.00 55.32 49.95 145.57 120.46 98.17 81.22 0.00 0.00 513.61 566.00
MAGMA HDI 268.71 248.43 66.60 46.56 80.03 81.77 143.89 143.74 271.78 245.50 35.32 0.00 866.33 766.00
RAHEJA QBE 84.68 78.24 0.00 0.00 30.23 30.38 60.52 50.52 80.02 80.64 0.00 0.00 255.45 239.78
RELIANCE 1338.06 1612.63 417.94 72.48 768.35 636.66 575.59 609.49 2119.78 2082.63 175.61 32.98 5395.33 5046.87
ROYAL SUNDARAM 1021.51 848.83 74.27 74.64 335.20 306.10 692.97 772.92 584.39 486.10 10.00 0.00 2718.34 2488.59
SBI GENERAL 862.29 587.11 269.78 241.05 348.24 179.77 524.46 311.10 1171.78 1323.55 128.07 25.00 3304.62 2667.58
SHRIRAM 1405.65 1226.35 534.37 482.43 1135.65 948.99 2213.33 1941.97 730.71 781.71 0.00 0.01 6019.71 5381.46

148
TATA AIG 981.08 970.07 525.09 80.84 437.70 410.69 976.36 1288.00 781.63 266.35 0.00 0.00 3701.86 3015.95
UNIVERSAL SOMPO 386.51 364.00 38.95 28.7600 145.84 130.85 296.86 220.09 220.72 287.67 0.00 0.00 1088.88 1031.37
KOTAK MAHINDRA** 41.72 -- 15.39 -- 14.86 -- 20.27 -- 22.18 -- 0.00 -- 114.42 --
PRIVATE TOTAL 19538.17 16945.68 4239.28 3399.06 7849.91 6131.20 13750.41 12425.08 15683.08 15367.16 1413.52 513.82 62474.37 54781.99
NATIONAL 3780.25 3770.28 3185.80 3224.39 1009.44 982.92 2509.02 2639.23 5633.40 5469.01 1024.56 396.53 17142.47 16482.36
ANNUAL REPORT 2015-16

NEW INDIA 7991.89 7576.33 3794.89 2371.67 2327.16 2208.02 3531.00 3124.06 8039.27 9258.26 496.34 274.77 26180.55 24813.11
ORIENTAL 2745.66 2745.21 1667.50 1732.38 1155.58 1058.51 1904.92 1961.16 4384.78 4707.86 355.83 268.40 12214.27 12473.52
UNITED INDIA 4055.77 4185.91 2353.40 2148.08 1981.74 1874.05 3550.13 3469.64 6877.65 6684.22 846.61 735.68 19665.30 19097.58
PUBLIC TOTAL 18573.57 18277.73 11001.59 9476.52 6473.92 6123.50 11495.07 11194.09 24935.10 26119.35 2723.34 1675.38 75202.59 72866.57
APOLLO MUNICH 184.65 175.98 83.80 54.04 124.14 69.10 106.10 81.26 305.77 348.24 76.02 15.27 880.48 743.89
CIGNA TTK 54.66 43.79 20.73 15.44 19.95 14.88 44.95 30.12 64.29 36.87 2.04 2.76 206.62 143.86
MAX BUPA 149.68 128.24 30.84 5.34 47.70 26.75 111.44 50.53 187.28 208.82 39.21 9.89 566.15 429.57
RELIGARE HEALTH 121.00 75.60 38.70 23.30 51.80 36.20 56.40 41.90 171.80 105.90 13.60 22.00 453.30 304.90
STAR HEALTH 385.01 301.97 0.00 0.00 146.20 83.11 234.47 96.56 204.68 267.55 14.00 0.00 984.36 749.19
STANDALONE HEALTH
PRIVATE (TOTAL) 895.00 725.58 174.07 98.12 389.79 230.04 553.36 300.37 933.82 967.38 144.87 49.92 3090.91 2371.41
GIC (Reinsurer) 7977.31 6955.31 4735.78 4146.69 3310.37 2348.85 4212.54 3357.87 12180.73 11280.33 1633.59 2605.32 34050.32 30694.37
NON-LIFE TOTAL 46984.05 42904.30 20150.72 17120.39 18023.99 14833.58 30011.38 27277.41 53732.73 53734.22 5915.32 4844.44 174818.19 160714.34
AIC 1260.19 996.06 688.63 532.30 444.94 510.01 637.19 589.74 2848.00 2079.44 243.95 4.00 6122.90 4711.55
ECGC 1749.29 1516.19 1320.66 960.61 1034.55 744.53 1297.13 1150.69 1730.67 2316.15 52.33 30.30 7184.63 6718.47
SPECIALISED
INSURERS (TOTAL) 3009.48 2512.25 2009.29 1492.91 1479.49 1254.54 1934.32 1740.43 4578.67 4395.59 296.28 34.30 13307.53 11430.02
* FFE: Fire Fighting Equipments ** started operations during 2015-16
 ANNUAL REPORT 2015-16

STATEMENT 17
EQUITY SHARE CAPITAL OF NON-LIFE INSURERS
(` Crore)
Insurer As on Infusion As on Foreign Indian FDI
31st March, During 31st March, Promoter Promoter
2015 the year 2016
BAJAJ ALLIANZ 110.23 0.00 110.23 28.66 81.57 26.00%
BHARTI AXA 1238.66 332.79 1571.45 770.00 801.45 49.00%
CHOLAMANDALAM MS 298.81 0.00 298.81 119.52 179.28 40.00%
FUTURE GENERALI 710.00 0.00 710.00 181.05 528.95 25.50%
HDFC ERGO 538.62 0.00 538.62 139.17 399.45 25.84%
ICICI LOMBARD 446.59 0.95 447.54 154.78 292.76 34.58%
IFFCO TOKIO 269.32 0.00 269.32 70.02 199.30 26.00%
KOTAK MAHINDRA*** 0.00 135.00 135.00 0.00 135.00 0.00%
L&T 620.00 85.00 705.00 0.00 705.00 0.00%
MAGMA HDI 100.00 12.50 112.50 28.75 83.75 25.56%
LIBERTY VIDEOCON 679.35 0.00 679.35 122.90 556.45 18.09%
RAHEJA QBE 207.00 0.00 207.00 53.82 153.18 26.00%
RELIANCE 122.78 0.00 122.78 0.00 122.78 0.00%
ROYAL SUNDARAM 315.00 0.00 315.00 0.00 315.00 0.00%
SBI 203.00 0.00 203.00 52.78 150.22 26.00%
SHRIRAM 258.09 0.20 258.29 0.00 258.29 0.00%
TATA AIG 505.00 127.50 632.50 164.45 468.05 26.00%
UNIVERSAL SOMPO 350.00 0.00 350.00 91.00 259.00 26.00%
PRIVATE TOTAL 6972.45 693.93 7666.38 1976.90 5689.48 25.79%

NATIONAL 100.00 0.00 100.00 0.00 100.00 0.00%

NEW INDIA 200.00 0.00 200.00 0.00 200.00 0.00%
ORIENTAL 200.00 0.00 200.00 0.00 200.00 0.00%
UNITED INDIA 150.00 0.00 150.00 0.00 150.00 0.00%
PUBLIC TOTAL 650.00 0.00 650.00 0.00 650.00 0.00%
TOTAL (NON-LIFE) 7622.45 693.93 8316.38 1976.90 6339.48 23.77%

STANDALONE HEALTH PRIVATE

APOLLO MUNICH 349.23 7.69 356.92 90.91 266.01 25.47%
CIGNA TTK 200.00 40.03 240.03 62.41 177.62 26.00%
MAX BUPA 790.50 107.50 898.00 233.48 664.52 26.00%
RELIGARE HEALTH 350.00 125.07 475.07 0.00 475.07 0.00%
STAR HEALTH 362.14 24.85 386.99 99.29 287.70 25.66%
STANDALONE TOTAL 2051.87 305.14 2357.01 486.09 1870.92 20.62%

SPECIALISED INSURERS
AIC 200.00 0.00 200.00 0.00 200.00 0.00%
ECGC 1200.00 100.00 1300.00 0.00 1300.00 0.00%
SPECIALISED TOTAL 1400.00 100.00 1500.00 0.00 1500.00 0.00%

REINSURER
GIC 430.00 0.00 430.00 0.00 430.00 0.00%
REINSURER TOTAL 430.00 0.00 430.00 0.00 430.00 0.00%
GRAND TOTAL (NON-LIFE) 11504.31 1099.08 12603.39 2462.99 10140.40 19.54%
***Newly incorporated

149
 ANNUAL REPORT 2015-16

STATEMENT 18
SOLVENCY RATIO OF NON -LIFE INSURERS
Sl Insurer March June September December March
No. 2015 2015 2015 2015 2016
PRIVATE INSURERS
1 BAJAJ ALLIANZ 1.82 2.46 2.54 2.54 2.51
2 BHARTI AXA 1.57 1.72 1.61 1.30 1.59
3 CHOLAMANDALAM MS 1.59 1.72 1.55 1.61 1.61
4 FUTURE GENERALI 1.66 1.54 1.59 1.53 1.54
5 HDFC ERGO 1.65 1.54 1.66 1.78 1.67
6 ICICI LOMBARD 1.95 1.93 1.94 1.93 1.82
7 IFFCO TOKIO 1.65 1.63 1.65 1.62 1.60
8 KOTAK MAHINDRA*** 2.58 2.45
9 L&T 1.97 1.69 1.60 1.40 1.52
10 LIBERTY VIDEOCON 6.71 4.91 3.87 2.87 2.24
11 MAGMA HDI 1.24 1.69 1.51 1.53 1.78
12 RAHEJA QBE 4.26 4.28 4.37 4.44 4.43
13 RELIANCE 1.53 1.50 1.54 1.64 1.55
14 ROYAL SUNDARAM 1.64 1.6 1.66 1.60 1.55
15 SBI 2.80 2.62 2.40 2.19 1.81
16 SHRIRAM 1.79 1.91 2.01 2.09 1.98
17 TATA AIG 1.55 1.57 1.53 1.58 1.66
18 UNIVERSAL SOMPO 1.86 1.84 1.67 1.75 1.69

PUBLIC INSURERS
18 NATIIONAL 1.52 1.51 1.51 1.51 1.26
19 NEW INDIA 2.44 2.47 2.40 2.31 2.30
20 ORIENTAL 1.68 1.77 1.78 1.74 1.59
21 UNITED INDIA 2.36 2.4 2.43 2.02 1.91

STANDALONE HEALTH PRIVATE

22 APOLLO MUNICH 1.72 1.55 1.51 1.60 1.51
23 MAX BUPA 2.10 1.66 1.84 2.17 2.16
24 RELIGARE HEALTH 2.04 1.84 1.67 1.68 1.85
25 STAR HEALTH 2.40 1.04 1.36 2.10 5.99
26 CIGNA TTK 2.10 1.83 1.81 1.68 1.54

SPECIALISED INSURERS
27 AIC 3.18 3.2 3.09 3.13 3.26
28 ECGC 6.61 6.53 6.23 8.93 9.79

REINSURER
29 GIC 3.04 3.33 3.22 3.52 3.48
*** Newly Incorporated

150
 ANNUAL REPORT 2015-16

STATEMENT 19
STATUS OF GRIEVANCES - LIFE INSURERS FOR 2015-16
Insurer 2015-16 Duration wise analysis of
pending complaints
Opening Reported Resolved % Resolved Pending at Less than Between More than
Balance during the during the during the the end of 15 days 15 and 30 days
year year year the year 30 days
Aegon Religare 371 8595 8822 98.39 144 124 0 20

Aviva 0 3259 3259 100.00 0 0 0 0

Bajaj Allianz 275 14295 14556 99.90 14 9 2 3

Bharti Axa 351 4728 5079 100.00 0 0 0 0

Birla Sun Life 11 12402 12412 99.99 1 1 0 0

Canara HSBC 59 3179 3225 99.60 13 13 0 0

DHFL Pramerica 653 1372 2018 99.65 7 7 0 0

Edleweiss Tokio 33 627 654 99.09 6 6 0 0

Exide Life 634 9375 9968 99.59 41 41 0 0

Future Generali 381 7162 7491 99.31 52 52 0 0

HDFC Standard 2298 11513 13726 99.38 85 28 11 46

ICICI Prudential 59 8865 8912 99.87 12 12 0 0

IDBI Federal 0 853 853 100.00 0 0 0 0

India First 118 1912 2006 98.82 24 24 0 0

Kotak Mahindra 128 3444 3326 93.11 246 195 4 47

Max Life 4 14157 14161 100.00 0 0 0 0

PNB MetLife 7 4411 4398 99.55 20 18 0 2

Reliance 490 14024 14345 98.84 169 163 4 2

Sahara 0 35 34 97.14 1 0 1 0

SBI Life 15 9391 9403 99.97 3 3 0 0

Shri Ram 14 259 264 96.70 9 2 0 7

Star Union Daichi 95 1825 1832 95.42 88 77 0 11

Tata AIA 113 4268 4381 100.00 0 0 0 0

LIC 0 64750 64750 100.00 0 0 0 0

Total 6109 204701 209875 99.56 935 775 22 138

151
 ANNUAL REPORT 2015-16

STATEMENT 20
STATUS OF GRIEVANCES - NON LIFE INSURERS FOR 2015-16
Insurer 2015-16 Duration wise analysis
of pending complaints
Opeing Reported Resolved % Resolved Pending at Less than Between More than
Balance during during during the end of 15 days 15 and 30 days
the year the year the year the year 30 days
Bajaj Allianz General Insurance 204 1756 1911 97.50 49 18 7 24
Bharati Axa General Insurance 105 4198 4266 99.14 37 26 5 6
Cholamandalam MS General 103 2163 2256 99.56 10 10 0 0
Future Generali India Ins. 0 4251 4250 99.98 1 1 0 0
HDFC ERGO General Insurance 23 2879 2886 99.45 16 16 0 0
ICICI Lombard General Insurance 372 4974 5256 98.32 90 90 0 0
IFFCO Tokio General Insurance 163 1355 1517 99.93 1 1 0 0
L&T General. Insurance 5 335 340 100.00 0 0 0 0
Liberty Videocon Genral Insurance 6 524 527 99.43 3 3 0 0
Magma HDI General Insurance 9 151 160 100.00 0 0 0 0
Raheja QBE 0 0 0 0.00 0 0 0 0
Reliance General Insurance 67 1500 1521 97.06 46 31 7 8
Royal Sundaram Alliance General 66 2551 2595 99.16 22 18 1 3
SBI General Insurance 317 1136 1392 95.80 61 26 10 25
Shriram General Insurance 0 120 120 100.00 0 0 0 0
Tata- AIG General Insurance 37 3422 3458 99.97 1 1 0 0
Universal Sompo General Ins 0 373 373 100.00 0 0 0 0
Total Private Insurers 1477 31688 32828 98.98 337 241 30 66
National Insurance 175 4933 4928 96.48 180 57 12 111
The New India Assurance 102 4087 4050 96.68 139 90 26 23
The Oriental Insurance 59 2555 2485 95.07 129 25 11 93
United India Insurance 55 6221 6254 99.65 22 13 2 7
Total - PSU insurers 391 17796 17717 97.42 470 185 51 234
STANDALONE HEALTH INSURERS
Apollo MUNICH Health Insurace 13 978 987 99.60 4 4 0 0
CignaTTK Health Insurance 4 334 332 98.22 6 6 0 0
Max Bupa Health Insurance 0 620 620 100.00 0 0 0 0
Religare Health Insurance 2 564 560 98.94 6 6 0 0
Star Health and Allied Insurance 166 7093 7166 98.72 93 91 2 0
Total - Health Insurers 185 9589 9665 98.88 109 107 2 0
SPECIALISED INSURERS
Agriculture Insurance - - - - - - - -
ECGC of India 46 10 1 1.79 55 0 0 55
Grand total: 2099 59083 60211 98.41 971 533 83 355

152
ANNEXURES
 ANNUAL REPORT 2015-16

ANNEXURE 1
INSURANCE COMPANIES OPERATING IN INDIA
LIFE INSURERS*
Public Sector Private Sector

1. Life Insurance Corporation of India 1. Aegon Life Insurance Co. Ltd.

2. Aviva Life Insurance Co. India Ltd.

3. Bajaj Allianz Life Insurance Co. Ltd.

4. Bharti AXA Life Insurance Co. Ltd.

5. Birla Sun Life Insurance Co. Ltd.

6. Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd.

7. DHFL Pramerica Life Insurance Co. Ltd.

8. Edleweiss Tokio Life Insurance Co. Ltd.

9. Exide Life Insurance Co. Ltd.

10. Future Generali India Life Insurance Co. Ltd.

11. HDFC Standard Life Insurance Co. Ltd.

12. ICICI Prudential Life Insurance Co. Ltd.

13. IDBI Federal Life Insurance Co. Ltd.

14. IndiaFirst Life Insurance Co. Ltd.

15. Kotak Mahindra Old Mutual Life Insurance Ltd.

16. Max Life Insurance Co. Ltd.

17. PNB Met Life India Insurance Co. Ltd.

18. Reliance Nippon Life Insurance Co. Ltd.

19. Sahara India Life Insurance Co. Ltd.

20. SBI Life Insurance Co. Ltd.

21. Shriram Life Insurance Co. Ltd.

22. Star Union Dai-ichi Life Insurance Co. Ltd.

23. TATA AIA Life Insurance Co. Ltd.

* As on 31st March, 2016

155
 ANNUAL REPORT 2015-16

NON-LIFE INSURERS*
Public Sector
1 National Insurance Co. Ltd.
2 The New India Assurance Co. Ltd.
3 The Oriental Insurance Co. Ltd.
4 United India Insurance Co. Ltd.
Specialised Insurers
5 Agriculture Insurance Co. of India Ltd.
6 Export Credit Guarantee
Corporation of India Ltd.
ContdANNEXURE 1
Private Sector
1 Bajaj Allianz General Insurance Co. Ltd.
2 Bharti AXA General Insurance Co. Ltd.
3 Cholamandalam MS General Insurance Co. Ltd
4 Future Generali India Insurance Co. Ltd.
5 HDFC ERGO General Insurance Co. Ltd.
6 ICICI Lombard General Insurance Co. Ltd.
7 IFFCO Tokio General Insurance Co. Ltd.
8 L & T General Insurance Co. Ltd
9 Liberty Videocon General Insurance Co. Ltd.
10 Magma HDI General Insurance Co. Ltd.
11 Raheja QBE General Insurance Co. Ltd.
12 Reliance General Insurance Co. Ltd.
13 Royal Sundaram General Insurance Co. Ltd.
14 SBI General Insurance Co. Ltd.
15 Shriram General Insurance Co. Ltd.
16 TATA AIG General Insurance Co. Ltd.
17 Universal Sompo General Insurance Co. Ltd.
18 Kotak Mahindra General Insurance Co. Ltd.

Standalone Health Insurers

19 Apollo Munich Health Insurance Co. Ltd.
20 Cigna TTK Health Insurance Co. Ltd
21 Max Bupa Health Insurance Co. Ltd.
22 Religare Health Insurance Co. Ltd.
23 Star Health and Allied Insurance Co. Ltd.

RE INSURER*
General Insurance Corporation of India

* As on 31st March 2016.

156

FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES
Sl. Insurer/
No Intermediary
1 Insurer (Life /
General/Health)
2 Reinsurer
3 Amalgamation and transfer
of General / Life insurance
business
4 Branch of Foreign Reinsuers
including Lloyds
5 Third Party Administrator
6 Brokers-Direct
Brokers-Reinsurance
Brokers-Composite
7 Surveyors and Loss
Assessors Individual
and Corporate
8 Corporate Agents
9 Web Aggregators
10 Common Service Centre
- Special Purpose Vehicles
11 Referrals
12 Insurance Marketing Firm
13 Insurance Repository
Note: Service tax is exempted on the applicable fee amount w.e.f.1.4.2016
ANNUAL REPORT 2015-16
ANNEXURE 2
Processing Registration Renewal Periodicity of
Fee Fee Fee Renewal
- `5,00,000 1/20th of 1% of Gross Direct Premium Every year (by
written in India subject to a minimum 31st January)
of `5,00,000 and maximum
of `10 crore
- `5,00,000 1/20th of 1 % of the total premium Every year
in respect of facultative reinsurance (by 31st January)
accepted in India subject to a
minimum of ` 5,00,000 and maximum
of `10 crore
1/10th of 1% of Gross - - -
Direct Premium written
direct in India by the
transacting entities during
the financial year preceding
the financial year in which
the application is filled with
the Authority subject to a
minimum of `50 lakh and
maximum of `5 crore
- `5,00,000 1/20th of 1 % of the total premium Every year (by
in respect of facultative reinsurance 31st December)
accepted in India subject to a
minimum of ` 5,00,000 and maximum
of ` 10 crore
`20000 `30000 `15000 3 years
- `20000 `1,000 as renewal fee+ annual fee 3 years
of 0.50% of remuneration earned in the
preceding financial year subject to a
minimum of `25,000 and maximum
of `1,00,000
- `25000 `1,000 as renewal fee+ annual fee of 3 years
0.50% of remuneration earned in the
preceding financial year subject to a
minimum of `75,000 and maximum
of `3,00,000
- `40000 `1,000 as renewal fee+ annual fee of
0.50% of remuneration earned in the
preceding financial year subject to
a minimum of `1,25,000 and
maximum of `5,00,000 3 years
- `1000 `100 as renewal fee if application filed
before 30 days from the date of expiry,
`850 as renewal fee with penalty of `750,
if renewal application filed later but within
six months from the date of expiry
of licence 3 years
Non Refundable Fee - ` 25000 for ` 25000 for CoR Renewal `500 for 3 Years
` 10,000 Certificate of Renewal of the Certificate to the
Registration for PO/SP/AV.
the entity and
` 500 for the
Certificate
to the Principal
Officer/Specified
Person/Authorised
Verifier
- `10000 `10000 3 Years
- - `1000 3 Years
- `10,000 `10000 3 Years
- `5000 `2000 3 years
`10000 `100000 `50000 3 Years
157
 ANNUAL REPORT 2015-16

ANNEXURE 3(i)
INDIAN ASSURED LIVES MORTALITY (2006-08) ULT.
Published Mortality Table, effective 1st April, 2013, within the meaning of Regulation 4 of IRDA (Asset, Liabilities and
Solvency Margin of Insurers)

Published with the concurrence of IRDA vide its letter dated 20th February 2013

Age x is defined as age nearest birthday.

Age (x) Mortality rate (qx) Age (x) Mortality rate (qx)
0 0.004445 27 0.001004
1 0.003897 28 0.001017
2 0.002935 29 0.001034
3 0.002212 30 0.001056
4 0.001670 31 0.001084
5 0.001265 32 0.001119
6 0.000964 33 0.001164
7 0.000744 34 0.001218
8 0.000590 35 0.001282
9 0.000492 36 0.001358
10 0.000440 37 0.001447
11 0.000428 38 0.001549
12 0.000448 39 0.001667
13 0.000491 40 0.001803
14 0.000549 41 0.001959
15 0.000614 42 0.002140
16 0.000680 43 0.002350
17 0.000743 44 0.002593
18 0.000800 45 0.002874
19 0.000848 46 0.003197
20 0.000888 47 0.003567
21 0.000919 48 0.003983
22 0.000943 49 0.004444
23 0.000961 50 0.004946
24 0.000974 51 0.005483
25 0.000984 52 0.006051
26 0.000994 53 0.006643

158
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 3(i)

INDIAN ASSURED LIVES MORTALITY (2006-08) ULT.
Age (x) Mortality rate (qx) Age (x) Mortality rate (qx)
54 0.007256 85 0.091982
55 0.007888 86 0.099930
56 0.008543 87 0.108540
57 0.009225 88 0.117866
58 0.009944 89 0.127963
59 0.010709 90 0.138895
60 0.011534 91 0.150727
61 0.012431 92 0.163532
62 0.013414 93 0.177387
63 0.014497 94 0.192374
64 0.015691 95 0.208585
65 0.017009 96 0.226114
66 0.018462 97 0.245067
67 0.020061 98 0.265555
68 0.021819 99 0.287699
69 0.023746 100 0.311628
70 0.025855 101 0.337482
71 0.028159 102 0.365411
72 0.030673 103 0.395577
73 0.033412 104 0.428153
74 0.036394 105 0.463327
75 0.039637 106 0.501298
76 0.043162 107 0.542284
77 0.046991 108 0.586516
78 0.051149 109 0.634244
79 0.055662 110 0.685737
80 0.060558 111 0.741283
81 0.065870 112 0.801191
82 0.071630 113 0.865795
83 0.077876 114 0.935453
84 0.084645 115 0.985796

159
 ANNUAL REPORT 2015-16

ANNEXURE 3(ii)
PUBLISHED MORTALITY TABLE
[Within the meaning of Regulation 4 of IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000]

MORTALITY FOR ANNUITANTS - LIC (A) (1996-98) ULTIMATE RATES

Age Mortality rate Age Mortality rate
(x) (qx) (x) (qx)
20 0.000919 48 0.003438
21 0.000961 49 0.003816
22 0.000999 50 0.004243
23 0.001033 51 0.004719
24 0.001063 52 0.005386
25 0.001090 53 0.006058
26 0.001113 54 0.006730
27 0.001132 55 0.007401
28 0.001147 56 0.008069
29 0.001159 57 0.008710
30 0.001166 58 0.009397
31 0.001170 59 0.010130
32 0.001170 60 0.010907
33 0.001171 61 0.011721
34 0.001201 62 0.011750
35 0.001246 63 0.012120
36 0.001308 64 0.012833
37 0.001387 65 0.013889
38 0.001482 66 0.015286
39 0.001593 67 0.017026
40 0.001721 68 0.019109
41 0.001865 69 0.021534
42 0.002053 70 0.024301
43 0.002247 71 0.027410
44 0.002418 72 0.030862
45 0.002602 73 0.034656
46 0.002832 74 0.038793
47 0.003110 75 0.043272

160
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 3(ii)

PUBLISHED MORTALITY TABLE
[Within the meaning of Regulation 4 of IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000]

MORTALITY FOR ANNUITANTS - LIC (A) (1996-98) ULTIMATE RATES

Age Mortality rate Age Mortality rate
(x) (qx) (x) (qx)
76 0.048093 98 0.240778
77 0.053257 99 0.253473
78 0.058763 100 0.266511
79 0.064611 101 0.279892
80 0.070802 102 0.293614
81 0.077335 103 0.307679
82 0.084210 104 0.322087
83 0.091428 105 0.336836
84 0.098988 106 0.351928
85 0.106891 107 0.367363
86 0.115136 108 0.383139
87 0.123723 109 0.399258
88 0.132652 110 0.415720
89 0.141924 111 0.432524
90 0.151539 112 0.449670
91 0.161495 113 0.467159
92 0.171794 114 0.484989
93 0.182436 115 0.503163
94 0.193419 116 0.521678
95 0.204746 117 0.540536
96 0.216414 118 0.559737
97 0.228425

161
 ANNUAL REPORT 2015-16

ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN THE YEAR 2015-16
Sl. No Company Name Name of the Product UIN
1 Bajaj Allianz Life Bajaj Allianz Life Jan Suraksha Yojna 116N138V01
Insurance Co. Ltd. Bajaj Allianz Life Bima Sanchay Yojana 116N136V02
Bajaj Allianz Life Bima Sanchay Yojana 116N136V01
Bajaj Allianz Life Bima Dhan Suraksha Yojana 116N135V02
Bajaj Allianz Life Bima Dhan Suraksha Yojana 116N135V01
Bajaj Allianz Life Super Life Assure 116N134V01
Bajaj Allianz CSC Bachat Plus 116N132V01
Bajaj Allianz Cash Assure 116N131V01
Bajaj Allianz Group Credit Protection plus 116N094V03
Bajaj Allianz Group Annuity 116N059V04
Bajaj Allianz Pension Guarantee 116N036V05
Bajaj Allianz Group Term Life 116N021V03
Bajaj Allianz Life Principal Gain 116L137V01
Bajaj Allianz Group Employee Benefit Plan 116L104V03
Bajaj Allianz Life Mantri Jeevan Jyoti Bima Yojana 116G133V01
Bajaj Allianz Group Accelerated Critical Illness Rider 116B026V02
2 Reliance Life Reliance Group Credit Assure Plus 121N115V01
Insurance Co. Ltd. Reliance Pension Buider 121N113V01
Reliance Whole Life Income 121N112V01
Reliance Online Income Protect 121N111V01
Reliance Life Long Savings 121N110V01
Reliance Future Icome 121N109V01
Reliance Increaseing Income Insurance Plan 121N108V01
Reliance fixed money Back 121N107V01
Reliance Premier Wealth Insurance Plan 121L114V01

3 AVIVA Life Ins. Co. Aviva Dhan Vriddhi Plus 122N110V01

India Pvt. Ltd. Aviva CSC Bima Laabh Yojana 122N109V01
Aviva i-Life Secure 122N104V02
Aviva New Family Income Builder 122N103V02
Aviva Corporate Shiled Plus 122N066V04
Aviva Affluence 122L111V01
AVIVA i-Growth 122L106V02
Aviva Live Smart Plan 122L098V03
Aviva Life Bond Advantage 122L086V03

162
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN YEAR 2015-16
Sl. No Company Name Name of the Product UIN

4 Birla Sun Life BSLI Hospital Plus Plan 109N101V01

Insurance Co. Ltd. BSLI Group Savings Assurance Plan 109N098V01
BSLI Group Capsecure Plan 109N084V02
BSLI Immediate Annuity Plan 109N083V03
BSLI Group CapSecure Pension Plan 109N082V02
BSLI Group Protection Solutions 109N006V05
BSLI Wealth Aspire Plan 109L100V01
BSLI Wealth Max Plan 109L073V03
BSLI Pradhan Mantri Jeevan Jyoti Bima Yojana 109G099V01
BSLI Critical Illness Rider 109B019V03
BSLI Accident Death and Disability Rider 109B018V03
BSLI Hospital Care Rider 109B016V03
BSLI Surgical Care Rider 109B015V03

5 ICICI Prudential ICICI Pru iProtect Smart 105N151V01

Life Insurance Co. Ltd. ICICI Pru Loan Protect Plus 105N150V01
ICICI Pru Life Raksha 105N149V01
ICICI Pru Group Suraksha Plus Superannuation 105N148V01
ICICI Pru Group Suraksha Plus 105N147V01
ICICI Pru Group Term Plus 105N119V03
ICICI Pru Sarv Jana Suraksha 105N081V03
ICICI Pru Group Insurance Scheme for
Pradhan Mantri Jeevan Jyoti Bima Yojana 105G146V01
ICICI Pru Unit Linked Accidental Death Rider 105A025V01

6 HDFC Standard HDFC Life Easy Health 101N110V01

Life Insurance Co. Ltd. HDFC Cancer Care 101N106V01
HDFC Life Uday 101N105V01
HDFC Life CSC Suraksha Plan 101N104V01
HDFC Life Sanchay 101N097V02
HDFC Life Guaranteed Pension Plan 101N092V02
HDFC Life Personal Pension Plus 101N091V02
HDFC Life New Immediate Annuity Plan 101N084V03
HDFC Life New Immediate Annuity Plan 101N084V02
HDFC SL Sarvgrameen Bachat Yojana
(Micro Insurance Product) 101N069V03
HDFC Life Assured Pension Plan 101L109V02
HDFC Life Assured Pension Plan 101L109V01
HDFC Life Click 2 Retire 101L108V02
(Contd..) HDFC Life Click 2 Retire 101L108V01

163
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN YEAR 2015-16
Sl. No Company Name Name of the Product UIN

(Contd..) HDFC Life Single Premium Pension Super 101L086V03

HDFC Standard HDFC Life Pension Super Plus 101L085V03
Life Insurance Co. Ltd. HDFC Life Pradhan Mantri Jeevan Jyoti Bima Yojana Plan 101G107V01
HDFC Life Critical Illness Plus Rider 101B014V01

7 Exide Life Exide Life New Immediate Annuity with

Insurance Co. Ltd. Return of Purchase Price 114N081V01
Exide Life Star Saver 114N080V01
Exide Life Term Plan 114N076V01
Exide Life Group Traditional Employee Benefit Plan 114N075V01
Exide Life Golden years Retirement Plan 114N065V02
Exide Life Wealth Maxima 114L079V01
Exide Life Group Gratuity Product 114L078V02
Exide Life Group Gratuity Product 114L078V01
Exide Life Pradhan Mantri Jeevan Jyoti Bima Yojana 114G077V01
Exide Life Group Illness Rider 114B010V01

8 Life Insurance LIC's jeevan Pragati Plan 512N306V01

Corporation of India Lic's Jeevan Shikhar 512N305V01
LIC's Jeevan labh 512N304V01
LIC's Group Credit Life Insurance 512N302V01
LIC's Jeevan Tarun 512N299V01
LIC's New Endowment Plus 512L301V01
LIC's Pradhan Mantri Jeevan jyoti Bima Yojana 512G300V01
LIC's Premium Waiver Benefit Rider 512B204V02
LIC's Linked Accidental Death Benefit Rider 512A211V01

9 Max Life Max Life Monthly Income Advantage Plan 104N091V01

Insurance Co. Ltd. Max Life Super Term Plan 104N086V02
Max Life Whole Life Super Plan 104N080V02
Max Life Life Gain Premier 104N079V02
Max Life Platinum Wealth Plan 104L090V01
Max Life Pradhan Mantri Jeevan Jyoti Bima Yojana 104G089V01
Max Life Group Critical Illness
(Additional Benefit) Premier Rider 104B031V01
Max Life Group Total and Permanent Disability
(Accident) Premier Rider 104B030V01
Max Life Waiver of Premium Plus Rider 104B029V01
Max Life Group Accelerated Terminal illness Premier Rider 104B028V01

164
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN YEAR 2015-16
Sl. No Company Name Name of the Product UIN
10 PNB Met Life India MetLife Guaranteed Income Plan 117N097V01
Insurance Co. Pvt. Ltd. MetLife Guaranteed Savings Plan 117N096V01
MetLife Immediate Annuity Plan 117N095V01
MetLife Complete Care Plus 117N093V01
MetLife Mera Term Plan 117N092V01
MetLife Retirement Savings Plan 117N091V01
MetLife Major Illness Premium Back Cover 117N090V02
MetLife Bhavishya Plus 117N089V02
MetLife Bachat Yojana 117N088V02
MetLife College Plan 117N087V02
MetLife Family Income Protector Plus 117N086V02
MetLife Endowment Savings Plan 117N083V02
MetLife Monthly Income Plan-10Pay 117N082V02
MetLife Money Back Plan 117N081V02
MetLife Unit Linked Employee Benefits Plan 117L084V02
MetLIfe Pradhan mantri Jeevan Jyoti Bima Yojana Plan 117G094V01
MetLife Crititcal Illness Rider 117B023V01
MetLife Accidental Disability Benefit Rider 117B022V01
MetLife Serious Illness Rider (Non-Linked) 117B021V01
MetLife Accidnetal Death Benefit Rider Plus 117B020V01

11 Kotak Mahindra Kotak Premier Life Plan 107N096V01

OM Life Insurance Ltd. Kotak Income Protection Plan 107N095V01
Kotak Premier Pension Plan 107N094V01
Kotak E-Lifetime Income Plan 107N085V02
Kotak Single invest Plus Plan 107L075V02
Kotak Platinum 107L067V03
Kotak Single Invest Advantage 107L065V03
Kotak Ace Investment 107L064V03
Kotak Gratuity Group plan - KGGP 107L010V06
Kotak Pradhan Mantri Jeevan Jyoti Bima Yojana 107G093V01
Kotak eAccidental Death Benefit Rider 107B019V01
Kotak Crritical Illness Plus Benefit Rider
(Non Linked Group Rider ) 107B015V03
Kotak Critical Illness Benefit Rider
(Non-Linked Group Rider) 107B009V04
Kotak Accidental Death Benefit Rider
(Non-Linked Group Rider) 107B005V04
(Contd..) Kotak Permanent Disability Benefit (Rider) 107B002V03

165
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN YEAR 2015-16
Sl. No Company Name Name of the Product UIN
(Contd..) Kotak Accidental Death Benefit (Rider) 107B001V03
Kotak Mahindra Kotak Permanent Disability Benefit Rider(Linked) 107A018V01
OM Life Insurance Ltd. Kotak Accidental Death Benefit Rider(Linked) 107A017V01

12 SBI Life SBI Life Smart Women Advantage 111N106V01

Insurance Co. Ltd. SBI Life eIncome Shield 111N105V01
SBI Life Smart Swadhan Plus 111N104V01
SBI Life Smart Humsafar 111N103V01
SBI Life Pradhan mantri Jeevan Jyoti Bima Yojana 111G102V01

13 TATA AIA Life Tata AIA Life Good Kid 110N127V01

Insurance Co. Ltd. Tata AIA Life Insurance Smart Income Plus 110N126V01
Tata AIA Life Insurance Monthly Insurance Plan 110N125V01
Tata AIA Life Insurance Freedom 110N124V01
Tata AIA Life Insurance Saat Saath-Micro Insurance Product 110N123V01
Tata AIA Life Insurance Fortune Guarantee 110N120V01
Tata AIA Life Insurance Money Back Plus 110N119V01
Tata AIA Life Insurance Super Achiever 110L122V01
Tata AIA Life Insurance Invest One 110L121V01
Tata AIA Life Insurance Waiver of Premium Plus Rider 110B029V01
Tata AIA Life Insurance Accidental Death and
Dismemberment (Long Scale) (ADDL) Non-Linked Rider 110B028V01

14 Sahara India Life

Insurance Co. Ltd. NIL

15 Bharti AXA Life Bharti AXA Life Super Series 130N066V01

Insurance Co. Ltd. Bharti AXA Life Child Advantage 130N065V01
Bharti AXA Life Invest Once 130N064V01
Bharti AXA Life eFuture Invest 130L063V01
Bharti AXA Life Accidental Death Benefit Rider 130B008V01
Bharti AXA Life premium Waiver Rider 130B005V03

16 Shriram Shriram Jan Sahay 128N062V01

Life Insurance Co. Ltd. Shriram Life Family Protection Plan 128N061V01
Shriram Life Assured Income Plus 128N060V01
Shriram Life Secure Plus Plan 128N059V01
Shriram Grameena Suraksha 128N057V01
Shriram Group Term Life Insurance Plan 128N042V02
Shriram Group Term Life Insurance in Lieu of EDLI 128N040V02
Shriram Life Pradhan Mantri Jeevan Jyoti Bima Yojana 128G058V01
Shriram Critical Illness Care Rider 128A014V01

166
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN YEAR 2015-16
Sl. No Company Name Name of the Product UIN

17 Future Generali India Future Generali New Saral Anand 133N062V01

Life Insurance Co. Ltd. Future Generali Jan Suraksha Plus 133N060V01
Future Generali Jan Suraksha 133N059V01
Future Generali Flexi Online Term Plan 133N058V01
Future Generali Assured Education Plan 133N057V01
Future Generali Loan Suraksha 133N053V02
Future Generali Easy Invest Online Plan 133L061V01

18 IDBI Federal IDBI Federal Loanasurance Group Insurance Plan 135N041V01

Life Insurance Co. Ltd. IDBI Federal Incomesurance Guarateed
Money Back Insurance Plan 7 pay 135N042V01

19 Canara HSBC Oriental Canara HSBC Oriental Bank of Commerce Life

Bank of Commerce Life Insurance Samridh Bhavishya 136N038V01
Insurance Company Ltd. Canara HSBC Oriental Bank Of commerce Life
Insurance Smart Future Income Plan 136N036V01
Canara HSBC Oriental Bank of Commerce
Life Insurance Smart Vriddhi Plan 136N035V01
Canara HSBC Oriental Bank of Commerce
Life Insurance Smart Immediate Income Plan 136N034V01
Canara HSBC OBC Life Corporate Group Term Plan 136N020V03
Canara HSBC Oriental Bank of Commerce
Insurance Smart Future Plan 136L037V01
Canara HSBC Oriental Bank of Commerce
Life Insurance Pradhan Mantri Jeevan Jyoti Bima Yojana 136G033V01

20 DHFL Pramerica DHFL Pramerica Smart Fee Protect 140N050V01

Life Insurance Co. Ltd DHFL Pramerica Rakshak Gold 140N049V01
DHFL Pramerica Magnum Assure 140N047V01
DHFL Pramerica e-Save 140N046V01
DHFL Pramerica Smart Money Back 140N045V01
DHFL Pramerica Smart Income 140N044V01
DHFL Pramerica Group Term Plan 140N034V03
DHFL Pramerica Sarv Suraksha 140N007V03
DHFL Pramerica Pradhan Mantri
Jeevan Jyoti Bima Yojana 140G048V01
DHFL Pramerica Group Traditional
Accidental Total and Permanent Disability (ATPD) &
Accidental Death Benefit (ADB) Rider 140B008V01
DHFL Pramerica Traditional Waiver of Premium Rider 140B007V01

167
 ANNUAL REPORT 2015-16

Contd... ANNEXURE 4
LIST OF LIFE INSURNACE PRODUCTS & RIDERS APPROVED BY IRDAI IN YEAR 2015-16
Sl. No Company Name Name of the Product UIN

21 AEGON RELIGARE Aegon Life Group Credit Shield Insurance Plan 138N057V01
Life Insurance Co. Ltd. Aegon Life Regular Money Back Insurance Plan 138N056V01
Aegon Religare Jeevan Shanti Insurance Plan 138N055V01
Aegon Religare iIncome Insurance Plan 138N054V01
Aegon Religare iCancer Insurance Plan 138N053V01
AEGON Religare iDisability Rider 138B014V01
Aegon Religare Premium Shield Rider 138B013V01
Aegon Religare WoP on CI Joint Life Rider 138B012V01

22 Star Union Dai-ichi SUD Life Aarogyam 142N051V01

Life Insurance Co Ltd. SUD Life AAYUSHMAAN 142N050V01
SUD Life Immediate Annuity Plus 142N048V02
SUD Life Immediate Annuity Plus 142N048V01
SUD Life Assured Income Plan 142N045V02
SUD Life Jeevan Ashray 142N044V02
SUD Life's Elite Assure 142N040V02
SUD Life Bright Child 142N039V02
SUD Life Shiksha Suraksha 2 Plan 142N038V02
Star Union Dai-ichi's Guaranteed Money Back Plan 142N036V02
SUD Life Group Retirement Benefit Plan 142L049V01
SUD Life Pradhan Mantri Jeevan Jyoti Bima Yojana 142G047V01
SUD Life Family Income Benefit Rider - Traditional 142B007V01

23 India First Life India First Mass Market Insurance Plan 143N028V01
Insurance Co. Ltd India First Immediate Annuity Plan 143N027V01
India First Guaranteed Retirement Plan 143N026V01
IndiaFirst Maha Jeevan Plan 143N018V03
India First Money Balance Plan 143L017V03
India First Pradhan Mantri Jeevan Jyoti Bima Yojana Plan 143G025V01

24 Edelweiss Tokio Edelweiss Tokio Life - Simply Protect 147N035V01

Life Insurance Co. Ltd. Edelweiss Tokio Life Dhan Labh 147N033V01
Edelweiss Tokio Life Triple Advantage Plan 147N032V01
Edelweiss Tokio Life GCAP 147N031V01
Edelweiss Tokio Life - Wealth Builder 147N026V02
Edelweiss Tokio Life - Immediate Annuity Plan 147N019V02
Edelweiss Tokio Life - Group Life Protection 147N008V03
Edelweiss Tokio Life -Easy Pension 147L034V01

168
 ANNUAL REPORT 2015-16

ANNEXURE 5
LIST OF MICRO INSURANCE PRODUCTS OF LIFE INSURERS
AS AT 31.03.2016
Insurer Name of the Product
Individual Category Group Category
AVIVA LIFE Aviva Nayi Grameen Suraksha -
BAJAJ ALLIANZ LIFE Bajaj Allianz Life Bima Dhan Suraksha Yojana -
Bajaj Allianz Life Bima Dhan Suraksha Yojana -
Bajaj Allianz Life Bima Sanchay Yojana -
BHARTI AXA LIFE - Bharti AXA Life Jan Suraksha
BIRLA SUNLIFE BSLI Bima Suraksha Super -
BSLI Grameen Jeevan Raksha -
CANARA HSBC OBC LIFE - Canara HSBC Oriental Bank
Of Commerce Life Insurance
Sampoorna Kavach Plan
DHFL PRAMERICA LIFE - DHFL Pramerica Sarv Suraksha
EDLEWEISS TOKIO LIFE Edelweiss Tokio Life Raksha Kavach -
Edelweiss Tokio Life Dhan Nivesh Bima Yojana -
HDFC STANDARD LIFE HDFC SL SarvGrameen Bachat Yojana -
ICICI PRUDENTIAL LIFE ICICI Pru Anmol Bachat -
ICICI Pru Sarva Jana Suraksha -
IDBI FEDERAL LIFE Termsurance Sampoorn Suraksha IDBI Federal Group
Micro-insurance Plan Microsurance Plan

KOTAK MAHINDRA LIFE Sampoorn Bima Micro-Insurance Plan

PNB MET LIFE MetLife Grameen Ashray -

SAHARA LIFE Sahara Surakshit Pariwar Jeevan Bima -

SBI LIFE SBI Life Grameen Bima SBI Life Grameen Super Suraksha
- SBI Life Grameen Shakti

SHRIRAM LIFE - Shri Sahay SP

TATA AIA LIFE Tata AIA Life Insurance Navkalyan Yojana -

Tata AIA Life Insurance Saat Saath -

LIC OF INDIA New Jeevan Mangal -

Bhagya Lakshmi

169

NON-LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2015-16
S.No Name of the Insurer
1 Bajaj Allianz General
Insurance Co. Ltd.
2 Bharti Axa General
Insurance Co. Ltd.
3 Cholamandalam MS
General
Insurance Co. Ltd.
4 ECGC Limited
5 HDFC ERGO General
Insurance Co. Ltd.
ANNUAL REPORT 2015-16
Name of the Product/ Add-on
Extended Warranty - Revision
Cyber Protect
Commercial Crime Insurance Policy
Bajaj Allianz KVB Suraksha Plus
Long Term Two Wheeler Package Policy
Poultry Insurance
Weather Index Plus cover Addon to
Weather protect Insurance policy
Two Wheeler Package Policy add on
cover 24X7 Spot Assistance
Crop Insurance- yeild based MNAIS
Weather Insurance Policy
Motor Trade Internal Risk
Motor Trade Road Risk
Motor Trade Road Transit Risks
Add on cover for coverage of land value /
undivided share of land value of residential
building (under SFSP policy)
GcCV package -
New Vehicle Replacement Cover
GcCV package - Loss of Income Cover
GcCV package -
Full Depreciation Waiver Cover
Buyers Credit Cover - Revision
Export Turnover Policy -Revision
Small Exporters Policy
Shipment Comprehensive Risk (SCR) Policy
Export of Sevices
Comrehensive Risk (SRC) Policy
Exports Turnover Policy
Consignment Exports (SHA) Policy
Consignment Exports (Global Entity) Policy
Jewellers Comprehensive Insurance
Marine Kidnap & Ransom Policy
Long Term Two Wheeler Package Policy
170
ANNEXURE 6
UIN
BAL-OT-P15-04-V02-15-16
BAL-LI-P15-11-V01-15-16
BAL-LI-P15-16-V01-15-16
BAL-OT-P16-62-V01-15-16
BAL-MO-P16-65-V01-15-16
BAL-OT-P16-67-V01-15-16
BAL-WE-A00-00-30-V01-15-16
BAL-MO-A00-00-34-V01-15-16
BXA-AG-P16-29-V01-15-16
BXA-WE-P16-30-V01-15-16
BXA-MO-P16-36-V01-15-16
BXA-MO-P16-37-V01-15-16
BXA-MO-P16-38-V01-15-16
CHM-FI-A00-00-29-V01-15-16
CHM-MO-A00-00-31-V01-15-16
CHM-MO-A00-00-32-V01-15-16
CHM-MO-A00-00-33-V01-15-16
ECG-CR-P16-58-V02-15-16
ECG-CR-P15-59-V02-15-16
ECG-CR-P16-68-V02-15-16
ECG-CR-P16-69-V02-15-16
ECG-CR-P16-70-V02-15-16
ECG-CR-P16-71-V02-15-16
ECG-CR-P16-72-V02-15-16
ECG-CR-P16-73-V02-15-16
HDE-OT-P15-39-V01-15-16
HDE-LI-P15-60-V01-15-16
HDE-MT-P16-77-V01-15-16
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 6
NON-LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2015-16
S.No Name of the Insurer Name of the Product/ Add-on UIN

6 ICICI Lombard General Zero depreciation add-on comprehesive

Insurance Co. Ltd. insurance ( Two wheeler - Long term) policy ICI-MO-A00-00-11-V01-15-16

7 IFFCO Tokio General Janata Suraksha Bima Yojna ITG-OT-P15-12-V01-15-16

Insurance Co. Ltd. Jan Sewa Bima Yojna ITG-OT-P15-13-V01-15-16
Crime Insurance ITG-LI-P16-57-V01-15-16

8 Kotak Mahindra General Kotak Car Secure KMG-MO-P16-47-V01-15-16

Insurance Co. Ltd. Kotak Two Wheeler Secure
Kotak Commercial Vehicle Secure
(Passenger Carrying Vehicle)
Kotak Commercial Vehicle Secure
(Goods Carrying Vehicle)
Kotak Commercial Vehicle Secure (Misc D)
Liability only (Private Car)
Liability only (Two Wheeler)
Liability only (GCV)
Liability only (PCV)
Liability only (Misc D)
Depreciation Cover
Consumables Cover
Engine Protect
Return to Invoice
Roadside Assistance
KMG-MO-P16-48-V01-15-16
KMG-MO-P16-49-V01-15-16
KMG-MO-P16-50-V01-15-16
KMG-MO-P16-51-V01-15-16
KMG-MT-P16-52-V01-15-16
KMG-MT-P16-53-V01-15-16
KMG-MT-P16-54-V01-15-16
KMG-MT-P16-55-V01-15-16
KMG-MT-P16-56-V01-15-16
KMG-MO-A00-00-24-V01-15-16
KMG-MO-A00-00-25-V01-15-16
KMG-MO-A00-00-26-V01-15-16
KMG-MO-A00-00-27-V01-15-16
KMG-MO-A00-00-28-V01-15-16

9 L& T General Farmer's Package Policy LNT-OT-P16-43-V01-15-16

Insurance Co. Ltd. My Jeevika Commercial and Miscellaneous
& Special Types of Vehciles package Policy
My asset Two Wheeler Package Policy
- revision in rating
My Asset Two Wheeler Package Insurance
LNT-MO-P16-64-V02-15-16
LNT-MO-P16-74-V02-15-16
LNT-MO-A00-00-08-V01-15-16

10 Liberty Videocon General Multi-year Policy option under Two

Insurance Co. Ltd. Wheeler Package Policy LVG-MO-P16-44-V01-15-16
Home Connect LVG-OT-P16-75-V01-15-16
Two Wheeler Package Policy-Add on
GAP Value cover LVG-MO-A00-00-12-V01-15-16
Two Wheeler Package Policy-Add on -
(Contd..) Roadside Assistance LVG-MO-A00-00-13-V01-15-16

171
 ANNUAL REPORT 2015-16

NON-LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2015-16
S.No Name of the Insurer Name of the Product/ Add-on
(Contd..) Two Wheeler Package Policy-Add on -
Liberty Videocon General Engine Safe)
Insurance Co. Ltd. Gap Value cover - Multi year option under TW
Roadside Assistance cover - Multi year
option under TW
Engine safe - Multi year option under TW
Contd.. ANNEXURE 6
UIN
LVG-MO-A00-00-14-V01-15-16
LVG-MO-A00-00-16-V01-15-16
LVG-MO-A00-00-17-V01-15-16
LVG-MO-A00-00-18-V01-15-16

11 National Insurance Long Term Two Wheeler Package Policy NIC-MO-P16-31-V01-15-16

Co. Ltd. No Claim Bonus Protect - Private Car
Package Policy
Engine Protect - Private Car Package Policy
Engine Protect - Two Wheerler Package Policy
Engine Protect - Commercial Vehicle
Package Policy
NCB Protect - Commercial Vehicles
Package Policy
NCB Protect - Two Wheelers Package Policy
Invoice Protect (Add-on to Commercial
Vehicles Package Policy)
NIC-MO-A00-00-04-V01-15-16
NIC-MO-A00-00-05-V01-15-16
NIC-MO-A00-00-06-V01-15-16
NIC-MO-A00-00-07-V01-15-16
NIC-MO-A00-00-09-V01-15-16
NIC-MO-A00-00-10-V01-15-16
NIC-MO-A00-00-15-V01-15-16

12 Raheja QBE General Clinical Trials Insurance Policy RQB-LI-P16-45-V02-15-16

Insurance Co. Ltd.

13 Royal Sundaram General All Risks Insurance Policy - Revision RSA-FI-P16-63-V02-15-16

Insurance Co. Ltd. Private Car Package Policy - Key
Replacement Clasue RSA-MO-A00-00-03-V01-15-16

14 SBI General Long Term Two Wheeler Package Policy SBG-MO-P16-66-V01-15-16

Insurance Co. Ltd. Trade Credit Insurance Policy SBG-CR-P16-76-V02-15-16

15 Shriram General Burglary Insurance -Revision SGI-OT-P16-61-V02-15-16

Insurance Co. Ltd.

16 Tata AIG General E- Guard (long term upto 3 years) TAG-OT-P15-05-V01-15-16

Insurance Co. Ltd. Rural Package Policy TAG-OT-P15-10-V01-15-16
Business Guard - Long term agriculture
pumpset insurance (upto 9 years) TAG-OT-P15-14-V01-15-16
Marine Cargo Insurance policy TAG-MC-P15-15-V02-15-16
Workmen's Compensation Insurance TAG-OT-P15-17-V02-15-16
(Contd..) Product Recall Insurance TAG-LI-P15-35-V01-15-16

172
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 6
NON-LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2015-16
S.No Name of the Insurer Name of the Product/ Add-on UIN
(Contd..) Long Term Two Wheeler Package Policy TAG-MO-P16-46-V01-15-16
Tata AIG General Auto Secure - TW add- ons - Additional
Insurance Co. Ltd. Third Party Property Damage Cover TAG-MO-A00-00-19-V01-15-16
Auto Secure - TW add- ons -
Consumables expenses TAG-MO-A00-00-20-V01-15-16
Auto Secure - TW add- ons - Emergency
Medical expenses TAG-MO-A00-00-21-V01-15-16
Auto Secure - TW add- ons -Additional
Personal Accident Cover to Owner Driver TAG-MO-A00-00-22-V01-15-16
Auto Secure - TW add- ons -Additional
personal accident cover to unnamed persons TAG-MO-A00-00-23-V01-15-16
Long term two wheeler package policy
addon-Depreciation allowance TAG-MO-A00-00-35-V01-15-16
Long term two wheeler package policy
addon-Return to Invoice TAG-MO-A00-00-36-V01-15-16

17 The New India Assurance Griha Suvidha Policy on fist loss basis NIA-OT-P15-02-V01-15-16
Co. Ltd. Jan Suraksha Laghu Bima Policy
- Micro Insurance NIA-OT-P15-03-V02-15-16
Nuclear Operators (Act Only) Liability Policy NIA-LI-P16-28-V01-15-16
Private Car package policy
- enchanced cover - Nil Dep NIA-MO-A00-00-01-V01-15-16
Private Car package policy
- enchanced cover - Road tax cover NIA-MO-A00-00-37-V01-15-16
Private Car package policy
- enchanced cover - Return to Invoice cover NIA-MO-A00-00-38-V01-15-16
Private Car package policy
- enchanced cover - No Claim Bonus
(NCB) Protection NIA-MO-A00-00-39-V01-15-16
Private Car package policy - enchanced cover
- Engine Protect Cover NIA-MO-A00-00-40-V01-15-16
Private Car package policy - enchanced cover
- Additional Towing Charges Cover NIA-MO-A00-00-41-V01-15-16
Private Car package policy - enchanced cover
- Loss of contents cover NIA-MO-A00-00-42-V01-15-16

18 The Oriental Medical Extension Addon for WC Policy OIC-OT-A00-00-02-V01-15-16

Insurance Co. Ltd.

19 United India Exectuive Protect (Directors & Officers) UII-LI-P15-06-V01-15-16

Insurance Co. Ltd. Shopkeepers Insurance UII-OT-P15-07-V02-15-16
UNI Product Liability Insurance UII-LI-P15-08-V01-15-16
UNI MSME protect Insurance UII-OT-P15-09-V01-15-16

173
 ANNUAL REPORT 2015-16

ANNEXURE 7
LIST OF HEALTH INSURANCE PRODUCTS CLEARED DURING THE YEAR 2015-16
S.No Name of Insurer Name of the product Date UIN
1 Apollo Munich Health Dengue Care 23.05.2015 IRDA/NL-HLT/AMHI/P-H/V.I/74/14-15
Insurance Co. Ltd Edu Care 19.06.2015 IRDA/NL-HLT/AMHI/P-H/V.I/72/14-15
Critical Advantage Rider 19.06.2015 IRDA/NL-HLT/AMHI/P-H/V.I/59/14-15
Every Day Care 12.08.2015 IRDAI/HLT/AMHI/P-H/V.I/01/15-16
Energy 16.12.2015 IRDAI/HLT/AMHI/P-H/V.II/10/15-16
Individual Personal Accident 11.01.2016 IRDAI/HLT/AMHI/P-P/V.II/20/2015-16

2 Bajaj Allianz General . Emergency Hotel Extension for insured and family members 11.05.2015 IRDA/NL HLT/BAGI/P-T/V.I/60/14-15
Insurance Co. Ltd Compassionate Visit by family member 11.05.2015 IRDA/NL HLT/BAGI/P-T/V.I/60/14-15
Emergency Hotel Accommodation for family members 11.05.2015 IRDA/NL HLT/BAGI/P-T/V.I/65/14-15
Loss of personal belongings cover 11.05.2015 IRDA/NL HLT/BAGI/P-T/V.I/66/14-15
Escort for minor child/children 11.05.2015 IRDA/NL HLT/BAGI/P-T/V.I/67/14-15
Replacement and rearrangement of Staff 11.05.2015 IRDA/NL HLT/BAGI/P-T/V.I/68/14-15
Group Hospital Cash Policy 18.06.2015 IRDA/NL HLT/BAGI/P-H/V.I/64/14-15
Travel Prime Policy 18.06.2015 IRDA/NL HLT/BAGI/P-T/V.II/37/14-15
Accidental Hospitalization Cover 18.06.2015 IRDA/NL HLT/BAGI/P-H/V.I/84/14-15
Global Personal Guard policy individual 23.02.2016 IRDAI/HLT/BAGI/P-P/V.I/30/2015-16
3 Cholamandalam MS Janatha Personal Accident policy (group) 31.03.2016 IRDAI/HLT/CHSGI/P-P/V.I/33/15-16
Gen. Ins. Co. Ltd Chola Income Shield Insurance Group 29.02.2016 IRDAI/HLT/CHSGI/P-H/V.I/24/15-16
4 Cigna TTK Health Cigna TTK Pro Health Cash 14.07.2015 IRDA/NL-HLT/CTTK/P-H/V.I/70/14-15
Insurance Co. Ltd Cigna TTK Lifestyle protection group policy 02.12.2015 IRDAI/HLT/CTTK/P-H/V.I/81/2014-15
Cigna TTK pro health insurance 02.03.2016 IRDAI/HLT/CTTK/P-H/V.II/390/15-16
5 Future Generali India Health Total 23.06.2015 IRDAI/HLT/FGII/P-H/V.I/02/15-16
Insurance Co. Ltd Sukshma Hopi Cash Group Micro Insurance 31.03.2016 IRDAI/HLT/FGII/P-H/V.I/34/15-16
6 HDFC Ergo General HDFC Ergo Janatha Personal Accident Insurance Policy 03.06.2015 IRDAI/NL-HLT/HDFC-ERGOGI/P-
Insurance Co. Ltd P/V.1/82/14-15
7 ICICI Lombard General ICICI Lombard Complete Health Insurance 31.03.2016 IRDAI/NL-HLT/ICICI/P-H/V.II/63/15-16
Insurance Co. Ltd Health Booster Individual 03.03.2016 IRDAI/HLT/ICICI/P-H/V.I/31/15-16
8 Iffco Tokio General Individual Personal Accident Grand 24.06.2015 IRDA/NL-HLT/ITGI/P-P/V.I/13/14-15
Insurance Co. Ltd
9 Kotak Mahindra Kotak Health Care 16.02.2016 IRDAI/HLT/KMGI/P-H/V.I/28/2015-16
Gen. Ins. Co. Ltd
10 Liberty Videocon Liberty videocon Hospi Cash Connect policy 10.09.2015 IRDAI/HLT/LVGI/P-H/V.1/77/14-15
Gen. Ins. Co. Ltd Overseas Travel Connect Insurance policy 28.01.2016 IRDAI/HLT/LVGI/P-T/V.II/32/15-16
Overseas Student Travel Connect Insurance policy 28.01.2016 IRDAI/HLT/LVGI/P-T/V.II/33/15-16
Liberty Videocon Secure Future Connect Policy 16.02.2016 IRDAI/HLT/LVGI/P-H/V.1/29/15-16

174
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 7
LIST OF HEALTH INSURANCE PRODUCTS CLEARED DURING THE YEAR 2015-16
S.No Name of Insurer Name of the product Date UIN

11 The Oriental Mediclaim Insurance Policy Invididual 22.05.2015 IRDA/NL-HLT/OIC/P-H/V.II/448/14-15

Insurance Co. Ltd Oriental Happy Cash Nischint Rahein! 22.05.2015 IRDA/NL-HLT/OIC/P-H/V.I/73/14-15
Happy Family Floater policy 2015 07.10.2015 IRDAI/HLT/OIC/P-H/V.II/450/15-16
12 Raheja QBE General Health QuBE 31.03.2016 IRDAI/HLT/RQBEGI/P-H/V.I/35/15-16
Insurance Co. Ltd
13 Religare Health Student Explore 26.06.2015 IRDA/NL HLT/RHI/P-T/V.I/70/2014-15
Insurance Co. Ltd Care Freedom 03.07.2015 IRDA/NL HLT/RHI/P-H/V.I/36/2014-15
Group Explore Policy 23.11.2015 IRDA/ HLT/RHI/P-T/V.I/53/2014-15
Grameen Care-Micro insurance product 21.01.2016 IRDAI/HLT/RHI/P-H/V.I/27/2015-16
14 Royal Sundaram Smart Cash Plan 12.08.2015 IRDAI/HLT/RSAI/P-H/V.II/181/14-15
Gen. Ins. Co. Ltd Life Line 09.12.2015 IRDAI/HLT/RSAI/P-H/V.II/32/15-16
15 SBI General Group Business Travel (international) insurance 23.11.2015 IRDAI/HLT/SBIGI/P-T/V.I/85/14-15
Insurance Co. Ltd
16 Star Health and Allied Star Comprehensive Insurance Policy 07.04.2015 IRDA/NL-HLT/SHAI/P-H/V.III/398/14-15
Insurance Co. Ltd Senior Citizen Red Carpet Health Insurance policy 16.06.2015 IRDA/NL-HLT/SHAI/P-H/V.II/172/14-15
Accidental care individual insurance policy 20.08.2015 IRDAI/HLT/SHAI/P-P/V.II/134/15-16
Family Health Optima Accident Care policy 24.09.2015 IRDAI/HLT/SHAI/P-P/V.II/166/15-16
Medi classic Accident Care (individual) insurance policy 24.09.2015 IRDAI/HLT/SHAI/P-P/V.II/162/15-16
Group Health Insurance 23.03.2016 IRDAI/HLT/SHAI/P-H/V.I/32/15-16
Accident Care (group) insurance Revision 29.03.2016 IRDAI/HLT/SHAI/P-H/V.II/102/2015-16
17 Tata AIG General Home Guard Plus policy 23.04.2015 IRDAI/NL HLT/TAGI/P-H/V.II/287/14-15
Insurance Co. Ltd Student Guard Overseas Travel health insurance plan 19.06.2015 IRDAI/NL HLT/TAGI/P-T/V.II/237/14-15
Accident Shield policy 26.05.2015 IRDAI/HLT/TAGI/P-P/V.II/200/15-16
18 National National Parivar Mediclaim policy 24.06.2015 IRDAI/NL HLT/NI/P-H/V.I/61/14-15
Insurance Co. Ltd National Parivar Mediclaim Plus policy 24.06.2015 IRDAI/NL HLT/NI/P-H/V.I/62/14-15
National Hero Accident Suraksha policy 24.06.2015 IRDAI/NL HLT/NI/P-P/V.I/78/14-15
19 United India Overseas Travel Insurance 2014 25.05.2015 IRDA/NL-HLT/UII/P-T/V.I/37/14-15
Insurance Co. Ltd Bhagyashree Insurance-Individual 11.01.2016 IRDAI/HLT/UII/P-P/V.I/3/2015-16
Bhagyashree Insurance - Group 11.01.2016 IRDAI/HLT/UII/P-P/V.I/4/2015-16
Group Road Safety Insurance 11.01.2016 IRDAI/HLT/UII/P-P/V.I/5/2015-16
Individual Road Safety Policy 11.01.2016 IRDAI/HLT/UII/P-P/V.I/6/2015-16
Janata Personal Accident - Individual 11.01.2016 IRDAI/HLT/UII/P-P/V.I/7/2015-16
Janata Personal Accident - Group 11.01.2016 IRDAI/HLT/UII/P-P/V.I/8/2015-16
Mother Teresa Women and Children Policy 11.01.2016 IRDAI/HLT/UII/P-P/V.I/9/2015-16
Raja Rajeshwari Mahila Kalyan Bima Yojana (Individual) 11.01.2016 IRDAI/HLT/UII/P-P/V.I/10/2015-16
Raja Rajeshwari Mahila Kalyan Bima Yojana (Group) 11.01.2016 IRDAI/HLT/UII/P-P/V.I/11/2015-16
(Contd..) Naadalahiri Individual 11.01.2016 IRDAI/HLT/UII/P-P/V.I/12/2015-16

175
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 7
LIST OF HEALTH INSURANCE PRODUCTS CLEARED DURING THE YEAR 2015-16
S.No Name of Insurer Name of the product Date UIN
(Contd..) Naadalahiri Group 11.01.2016 IRDAI/HLT/UII/P-P/V.I/13/2015-16
United India Passenger Flight Coupon - Individual 11.01.2016 IRDAI/HLT/UII/P-P/V.I/14/2015-16
Insurance Co. Ltd Passenger Flight Coupon - Group 11.01.2016 IRDAI/HLT/UII/P-P/V.I/15/2015-16
Gramin Accident Policy - Individual 11.01.2016 IRDAI/HLT/UII/P-P/V.I/16/2015-16
Gramin Accident Policy - Group 11.01.2016 IRDAI/HLT/UII/P-P/V.I/17/2015-16
Kisan Credit Card Group Insurance 11.01.2016 IRDAI/HLT/UII/P-P/V.I/18/2015-16
Rural Women Package 11.01.2016 IRDAI/HLT/UII/P-P/V.I/19/2015-16
Rural Accident Package 11.01.2016 IRDAI/HLT/UII/P-P/V.I/20/2015-16
Unistudycare Individual 11.01.2016 IRDAI/HLT/UII/P-P/V.I/21/2015-16
Unistudycare Group 11.01.2016 IRDAI/HLT/UII/P-P/V.I/22/2015-16
Student Safety 11.01.2016 IRDAI/HLT/UII/P-P/V.I/23/2015-16
Package PBBY (Pravasi Bharatiya Bima Yojana) 11.01.2016 IRDAI/HLT/UII/P-P/V.I/24/2015-16
Suhana Safar 11.01.2016 IRDAI/HLT/UII/P-P/V.I/25/2015-16
Group Margabandhu Policy 11.01.2016 IRDAI/HLT/UII/P-P/V.I/26/2015-16

176
 ANNUAL REPORT 2015-16

ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
1 IRDA/AGTS/GDL/CIR/060/04/2015 AGENTS Guidelines/Instructions 1/4/2015 Guidelines on Appointment of Insurance
Agents 2015 - Instructions to Insurers
2 IRDA/F&A/CIR/GLD/062/04/2015 Finance & Accounts Circular 6/4/2015 Certificate of Registration issued under
Section 3 read with Section 3A of the
Insurance Act 1938
3 IRDA/HLT/REG/CIR/063/04/2015 HEALTH DEPARTMENT Regulations 6/4/2015 Compliance with Regulation 12 of IRDA
(Health Insurance) Regulations,2013
4 IRDA/I & C/ORD/ONS/064/04/2015 Inspection & Compliance Orders 6/4/2015 order in the matter of M/s Excellent
Insurance BrokingServices Ltd
5 IRDA/NL/GDL/MISC/065/04/2015 NON LIFE Guidelines/Instructions 6/4/2015 Gudelines of Insurance business in Special
Economic Zones
6 IRDA/ACT/CIR/BAP/066/04/2015 ACTUARIAL Circular 8/4/2015 Submission of ARA,AAAR and
Reinsurance Returns
7 IRDA/AGTS/MISC/ORD/067/04/2015 AGENTS Miscellaneous 9/4/2015 Committee to examine the training/
professionalization of the Insurance
distribution system
8 IRDA/ENF/ORD/ONS/069/04/2015 Enforcement Orders 9/4/2015 Order in the matter of M/s Suraksha
Insurance Brokers Pvt Ltd, Kolkota
9 IRDA/ENF/ORD/ONS/070/04/2015 Enforcement Orders 9/4/2015 Order in the matter of M/s Reliance
General Insurance Company
10 IRDA/SUR/REG/ORD/071/04/2015 SURVEYORS Regulations 10/4/2015 Weblist of surveyors and loss assessors
(imdividula & corporate) with IIISLA
membership
11 IRDA/TPA/MISC/ORD/072/04/2015 TPA(Intrme) Miscellaneous 15/4/2015 In the matter of M/s Sri Gokulam Health
Services TPA Pvt Ltd
12 IRDA/BRK/GDL/CIR/074/04/2015 BROKERS Guidelines/Instructions 16/4/2015 All CEO of General Insurance Companies
and GIC Re
13 IRDA/NL/CIR/OOO/075/04/2015 NON LIFE Circular 17/4/2015 Submission of office filling application
through BAP nonlife module
14 IRDA/AGTS/CIR/GLD/081/04/2015 AGENTS Circular 21/4/2015 Guidelines on appointment of Insurance
Agents - 2015
15 IRDA/TAC/ORD/ADMN/077/04/2015 TARIFF ADVISORY Orders 21/4/2015 Reconstitution of PF Trusts of TAC and
COMMITTEE its Regional offices
16 IRDA/INSP/ORD/ONS/083/04/2015 INSPECTION Orders 23/4/2015 Final order in the matter of United India I
nsurance Company Ltd
17 IRDA/LIFE/CIR/GRV/084/04/2015 LIFE Circular 23/4/2015 Handling of Compliants and Grievances of
Frm PH
18 IRDA/HLT/MISC/ORD/085/04/2015 HEALTH DEPARTMENT Miscellaneous 24/4/2015 Final order in the matter of M/s Chola MS
General Insurance Co Ltd

177
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
19 IRDA/TPA/MISC/ORD/087/04/2015 TPA(Intrme) Miscellaneous 27/4/2015 Final order in the matter of Good Health
Plan(TPA) Limited, Hyderabad.
20 IRDA/TPA/MISC/ORD/088/04/2015 TPA(Intrme) Miscellaneous 28/4/2015 Final Order in the Matter of Genins India
TPA Limited
21 IRDA/HLT/MISC/ORD/090/04/2015 HEALTH DEPARTMENT Miscellaneous 29/4/2015 Final order in the matter of M/s National
Insurance Company Limited
22 IRDA/INSP/ORD/ONS/089/04/2015 INSPECTION Orders 29/4/2015 Final order in the matter of M/s Amsure
Insurance Agency Ltd
23 IRDA/BRK/MISC/ORD/092/04/2015 BROKERS Miscellaneous 30/4/2015 Final order in the matter of M/s Shree
Vighneshwar Insurance Brokers Private
Limited.
24 IRDA/F&I/CIR/INV/093/04/2015 F&I Circular 30/4/2015 Withdrawal of Deposit under Section 7 of
Insurance Act,1938
25 IRDA/HLT/WRN/ORD/095/05/2015 HEALTH DEPARTMENT Warning 1/5/2015 Order in the matter of M/s Bajaj Allianz
26 IRDA/LIFE/CIR/MISC/104/05/2015 LIFE Circular 11/5/2015 Submission of Returns for Life through
BAP
27 IRDA/NL/ETASS/RIN/103/05/2015 NON LIFE Elec. Trans. and Setl. Sys. 11/5/2015 ETASS Guidelines
28 IRDA/NL/CIR/ADV/105/05/2015 NON LIFE Circular 12/5/2015 Submission of Product filing applications
throughs BAP -- NL
29 IRDA/LIFE/CIR/MISC/106/05/2015 LIFE Circular 18/5/2015 Acknowledememt on collection of
Premiums and Procedures for refund of
Premiums received/ Deposits remitted for
Insurance
30 IRDA/TAC/ORD/ADMN/107/05/2015 TARIFF ADVISORY Orders 19/5/2015 Redesignation of Secretary, TAC
COMMITTEE
31 IRDA/ACT/CIR/BAP/108/05/2015 ACTUARIAL Circular 20/5/2015 Submission of Life Insurance Products/
Riders through BAP
32 IRDA/ENF/MISC/ONS/112/05/2015 Enforcement Miscellaneous 26/5/2015 Final Order in the matter of M/s IndiaFirst
Life Insurance Co Ltd
33 IRDA/INT/GDL/INSRE/111/05/2015 INTERMEDIARIES Guidelines/Instructions 26/5/2015 Revised Guidelines on Insurance
DEPARTMENT Repositories and electronic issuance of
Insurance policies
34 IRDA/ENF/ORD/ONS/113/05/2015 Enforcement Orders 28/5/2015 Order in the matter of M/s Raheja QBE
General Insurance Co. Ltd.
35 IRDA/F&A/CIR/GLD/114/05/2015 Finance & Accounts Circular 28/5/2015 Handling of the Unclaimed amounts
pertaining to teh Policyholders
36 IRDA/ENF/ORD/ONS/115/06/2015 Enforcement Orders 9/6/2015 Final order in the matter of M/s. Future
Generali Life Insruance Co. Ltd
37 IRDA/TPA/MISC/CIR/117/06/2015 TPA(Intrme) Miscellaneous 22/6/2015 Discount on Bills offered by Hospitals

178
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
38 IRDA/BRK/MISC/ORD/120/06/2015 BROKERS Miscellaneous 26/6/2015 Order in the matter of M/S Ishan Insurance
Broking Pvt. Ltd.
39 IRDA/INT/MISC/ORD/123/07/2015 INTERMEDIARIES Miscellaneous 2/7/2015 Committee of Life and General Insurance
DEPARTMENT Group Promoting e-commerce in Insurance
Sector
40 IRDA/F&I/ORD/F&A/125/07/2015 F&I Orders 3/7/2015 Final order in matter of India First Life
Insurance CO. Ltd.
41 IRDA/F&I/ORD/F&A/126/07/2015 F&I Orders 3/7/2015 Final order in matter ofTata AIA Life
Insurance CO. Ltd.
42 IRDA/INT/MISC/ORD/128/07/2015 INTERMEDIARIES Miscellaneous 7/7/2015 Order in respect of M/S Stratus Insurance
DEPARTMENT Brokers Pvt. Ltd.
43 IRDA/NL/CIR/MISC/129/07/2015 NON LIFE Circular 14/7/2015 Appointment of Surveyors and Loss
Assessors
44 IRDA/ACT/ORD/LIF/130/07/2015 ACTUARIAL Orders 22/7/2015 Review of Regulations - Life
45 IRDA/ACT/ORD/GEN/131/07/2015 ACTUARIAL Orders 22/7/2015 Review of Regulations - General
46 IRDA/ACT/ORD/RIN/132/07/2015 ACTUARIAL Orders 22/7/2015 Foreign Office of Reinsurer
47 IRDA/ENF/ORD/ONS/133/07/2015 Enforcement Orders 24/7/2015 Order on the onsite inspection report of
M/s L & T General Insuance Co. Ltd.
48 IRDA/F&A/CIR/CPM/134/07/2015 Finance & Accounts Circular 24/7/2015 Handling of the Unclaimed amounts
pertaining to the Policyholders
49 IRDA/INT/ORD/INSRE/135/07/2015 INTERMEDIARIES Orders 24/7/2015 Constitution of technical committee for
DEPARTMENT KYC
50 IRDA/ENF/ORD/ONS/138/07/2015 Enforcement Orders 31/7/2015 Order in matter of Bajaj Allianz General
Insurance Co. Ltd.
51 IRDA/LIFE/CIR/MISC/140/08/2015 LIFE Circular 4/8/2015 Obtaining Annuity Options from the Policy
Holders
52 IRDA/CAD/ORD/MISC/142/08/2015 Consumer Affairs Orders 5/8/2015 Utilization of digital cinema for
transmission of television commercial
53 IRDA/INT/MISC/ORD/141/08/2015 INTERMEDIARIES Miscellaneous 5/8/2015 Order in respect of M/s Anil Krishna
DEPARTMENT Insurance Broking Associates Private
Limited
54 IRDA/LIFE/ORD/MISC/143/08/2015 LIFE Orders 7/8/2015 Final order in the matter of M/s Reliance
Life Insruance Co. Ltd.
55 IRDA/INT/ORD/INSRE/146/08/2015 INTERMEDIARIES Orders 10/8/2015 Development and Maintenance of iTrex
DEPARTMENT (Insurance Transaction Exchange)
56 IRDA/LIFE/CIR/MISC/147/08/2015 LIFE Circular 13/8/2015 Master Circular on Insurance
Advertisement
57 IRDA/HLT/WRN/ORD/150/08/2015 HEALTH DEPARTMENT Warning 20/8/2015 Letter to Star Health for advertisement in
the Economic Times

179
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
58 IRDA/INT/MISC/ORD/149/08/2015 INTERMEDIARIES Miscellaneous 20/8/2015 Order inrespect of M/s Esquire Insurance
DEPARTMENT Broking Pvt. Ltd.
59 IRDA/INT/MISC/ORD/151/08/2015 INTERMEDIARIES Miscellaneous 20/8/2015 Order in respect of M/s Space Insurance
DEPARTMENT Brokers Private Limited
60 IRDA/INT/ORD/INSRE/153/08/2015 INTERMEDIARIES Orders 25/8/2015 Committee on iTrex
DEPARTMENT
61 IRDA/F&I/CIR/INV/156/08/2015 F&I Circular 27/8/2015 Guidelines on investment in exchange
Traded Funds with G Sec Underlying (GILT
- ETF)
62 IRDA/LIFE/ORD/MISC/157/08/2015 LIFE Orders 28/8/2015 Modification of the final order bearing no.
IRDA/LIFE/ORD/MISC/143/08/2015 dated
August 6, 2015
63 IRDA/ENF/ORD/ONS/162/09/2015 Enforcement Orders 4/9/2015 Order in the matter of M/s ICICI Lombard
General Insurance Co. Ltd.
64 IRDA/F&A/CIR/GLD/161/09/2015 Finance & Accounts Circular 4/9/2015 Submission of Returns for F&A Life
through BAP module
65 IRDA/F&A/ORD/TRSH/163/09/2015 Finance & Accounts Orders 7/9/2015 Penalty order against RLIC
66 IRDA/NL/ORD/MISC/164/09/2015 NON LIFE Orders 7/9/2015 Committee for development of a model for
sharing the motor vehicle database
67 IRDA/F&A/ORD/TRSH/165/09/2015 Finance & Accounts Orders 9/9/2015 Penalty order against Reliance General
Insurance Co. Ltd.
68 IRDA/ACT/CIR/BAP/166/09/2015 ACTUARIAL Circular 11/9/2015 Submission of IBNR Report through
Business Analytics Project(BAP)
69 IRDA/INT/CIR/ORD/171/09/2015 INTERMEDIARIES Circular 16/9/2015 Clarification on the name of Insurance
DEPARTMENT Marketing Firm
70 IRDA/NL/CIR/MISC/173/09/2015 NON LIFE Circular 24/9/2015 Discharge voucher in settlement of claims
71 IRDA/SDD/GDL/CIR/175/09/2015 SECTORAL Guidelines/Instructions 28/9/2015 Master circular on AML/CFT
DEVELOPMENT
72 IRDA/LIFE/ORD/MISC/176/10/2015 LIFE Orders 9/10/2015 Final Order in the matter of M/s. Tata AIA
Life Insurance Co. Ltd.
73 IRDA/LIFE/ORD/MISC/177/10/2015 LIFE Orders 9/10/2015 Final Order in the matter of M/s. ICICI Life
Insurance Co. Ltd.
74 IRDA/LIFE/CIR/GLD/179/10/2015 LIFE Circular 15/10/2015 Guidelines on Claim Processing for Group
Life Kinsurance Policies Under Lender-
Borrower Group Insruance Schemes
75 IRDA/F&A/GDL/GLD/180/10/2015 Finance & Accounts Guidelines/Instructions 19/10/2015 Guidelines on "Indian owned and
controlled" requirements for an Indian
Insurance Company
76 IRDA/CW/CIR/MISC/181/10/2015 Communication Wing Circular 23/10/2015 Printing of Calendars

180
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
77 IRDA/INT/GDL/ORD/183/10/2015 INTERMEDIARIES Guidelines/Instructions 26/10/2015 Guidelines on Point of Sales Person - Non-
DEPARTMENT Life & Health Insurers
78 IRDA/LIFE/GDL/MISC/186/10/2015 LIFE Guidelines/Instructions 28/10/2015 Applicability of Provisions of Sec 45 of
Insruance Act 1938 in various scenarios
79 IRDA/CAD/CIR/MISC/194/11/2015 Consumer Affairs Circular 3/11/2015 non compliance of award of insurance
Ombudsman or Order of MACT or
Consumer fora
80 IRDA/ENF/MISC/ONS/195/11/2015 Enforcement Miscellaneous 4/11/2015 Final Order in the matter of M/s. IDBI
Federal Life Insurance Co. Ltd.
81 IRDA/NL/CIR/MOTP/196/11/2015 NON LIFE Circular 4/11/2015 Motor third party premium rates for e-
carts, e-rickshawas and passenger
premium for motorised two wheeler
carrying passengers for hire or reward
82 IRDA/INT/CIR/INSRE/197/11/2015 INTERMEDIARIES Circular 6/11/2015 Issuance of Elecronic Insurance Policies
DEPARTMENT
83 IRDA/NL/ORD/CMT/199/11/2015 NON LIFE Orders 13/11/2015 constitution of committee on motor dealer
payouts on motor insurance business
84 IRDA/F&A/CIR/GLD/200/11/2015 Finance & Accounts Circular 16/11/2015 Registration and operation of branch office
of foreign reinsurer other than Lloyd's
85 IRDA/CAGTS/GDL/LCE/202/11/2015 CORPORATE AGENTS Guidelines/Instructions 18/11/2015 Instructions for obtaining Certificate of
Registration under IRDAI (Registration of
Corporate Agents) Regulations, 2015
86 IRDA/F&A/ORD/ACTS/201/11/2015 Finance & Accounts Orders 18/11/2015 Impltementation group on Ind AS
87 IRDA/INT/ORD/INSRE/203/11/2015 INTERMEDIARIES Orders 19/11/2015 Discounted structure for policies issued
DEPARTMENT only in electronic form
88 IRDA/TPA/MISC/ORD/204/11/2015 TPA(Intrme) Miscellaneous 19/11/2015 M/s. East West Assist TPA Pvt. Ltd.
89 IRDA/TPA/MISC/ORD/205/11/2015 TPA(Intrme) Miscellaneous 19/11/2015 M/s. East West Assist TPA Pvt. Ltd
90 IRDA/INT/CIR/ORD/208/11/2015 INTERMEDIARIES Circular 20/11/2015 Indian owned and controlled
DEPARTMENT
91 IRDA/TAC/ORD/ADMN/206/11/2015 TARIFF ADVISORY Orders 20/11/2015 Reconstitution of TAC gratuity and
COMMITTEE provident fund trusts
92 IRDA/TAC/ORD/ADMN/207/11/2015 TARIFF ADVISORY Orders 20/11/2015 Reconstitution of TAC Pension fund trust
COMMITTEE
93 IRDA/LIFE/CIR/ADV/209/11/2015 LIFE Circular 23/11/2015 Benefit illustration/s in Advertisements of
Life Insurance Products
94 IRDA/ENF/ORD/ONS/210/11/2015 Enforcement Orders 24/11/2015 Office Order
95 IRDA/IT/MISC/TNDR/211/11/2015 INFORMATION Miscellaneous 26/11/2015 Selection of Vendor for the Annual
TECHNOLOGY maintenance of SAP-ERP application

181
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
96 IRDA/IT/CIR/MISC/217/12/2015 INFORMATION Circular 3/12/2015 Setting up of a central databases of all
TECHNOLOGY important communications issued to the
registered entities-
97 IRDA/INT/CIR/INSRE/214/12/2015 INTERMEDIARIES Circular 3/12/2015 Maximum charges on basic services
DEPARTMENT offered by Insurance Repository
98 IRDA/LIFE/ORD/MISC/213/12/2015 LIFE Orders 3/12/2015 Final order in the matter of M/s Max Life
Insurance Co. Ltd.
99 IRDA/TAC/ORD/ADMN/219/12/2015 TARIFF ADVISORY Orders 15/12/2015 Change in bank signatories - TAC
COMMITTEE
100 IRDA/ENF/ORD/ONS/221/12/2015 Enforcement Orders 16/12/2015 Draft order on the onsite inspection report
observations of M/s Cholamandalam MS
GICL- Inspection period 6th to 10th Dec,
2010
101 IRDA/INT/CIR/INSRE/220/12/2015 INTERMEDIARIES Circular 16/12/2015 fortnightly status report on isurance of
DEPARTMENT elcetronic motor policies
102 IRDA/F&A/CIR/GLD/222/12/2015 Finance & Accounts Circular 18/12/2015 Registration and submission of information
to CBDT for compliance with obligations
under Foreign Account Tax compliance Act
(FATCA) / Common Reporting Standards
(CRS)
103 IRDA/CW/ORD/MISC/223/12/2015 Communication Wing Orders 22/12/2015 Reconstitution of Editorial Board for
publication of IRDAI Journal
104 IRDA/F&A/CIR/CPM/224/12/2015 Finance & Accounts Circular 23/12/2015 Reporting of compliance regarding Indian
Ownership and control
105 IRDA/LIFE/CIR/MIN/225/12/2015 LIFE Circular 23/12/2015 extension of date for continuance of
existing Micri Insurance Products
106 IRDA/SUR/ORD/MISC/226/12/2015 SURVEYORS Orders 23/12/2015 Re-constitution of committee of
surveyours and loss assessors in terms of
regulation 10 of the IRDAI(Insurance
Surveyours and loss Assessors)
Regulations, 2015 (surveyor Regulations)
107 IRDA/TPA/MISC/ORD/229/12/2015 TPA(Intrme) Miscellaneous 31/12/2015 In the matter of M/s Spurthi Meditech
(TPA) Solutions Pvt Ltd.
108 IRDA/HLT/REG/CIR/001/01/2016 HEALTH DEPARTMENT Regulations 4/1/2016 Agreements with adequate number of
Service providers widespread
geographically
109 IRDA/ENF/ORD/ONS/004/01/2016 Enforcement Orders 7/1/2016 Onsite inspection of M/s Probus Insurance
Brokers Ltd. - Final order
110 IRDA/ENF/ORD/ONS/005/01/2016 Enforcement Orders 7/1/2016 Final order in the matter of M/s Universal
Sompo General Inrance Co. Ltd.

182
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
111 IRDA/ENF/ORD/ONS/006/01/2016 Enforcement Orders 7/1/2016 Final order in the matter of M/s Iffco Tokio
General Insurance Co. Ltd.
112 IRDA/LIFE/CIR/MIN/007/01/2016 LIFE Circular 8/1/2016 Filing of Micro Insurance Products
subsequent to the implementation of IRDAI
(Micro Insurance) Regulations, 2015
113 IRDA/HLT/MISC/ORD/009/01/2016 HEALTH DEPARTMENT Miscellaneous 11/1/2016 Final order in the matter of M/s Anmol
Medicare TPA Ltd.
114 IRDA/INT/MISC/ORD/012/01/2016 INTERMEDIARIES Miscellaneous 12/1/2016 Order in the matter related to AB Insurance
DEPARTMENT Brokers Pvt. Ltd.
115 IRDA/TPA/MISC/ORD/013/01/2016 TPA(Intrme) Miscellaneous 13/1/2016 Matter of M/s Sri Gokulam Health Services
TPA Pvt. Ltd.
116 IRDA/INT/MISC/ORD/014/01/2016 INTERMEDIARIES Miscellaneous 15/1/2016 Approach in case of non-compliance of
DEPARTMENT IRDA's (Insurance Broker) Regualtions,
2015
117 IRDA/HLT/MISC/ORD/016/01/2016 HEALTH DEPARTMENT Miscellaneous 19/1/2016 Final order in the matter of M/s The New
India Assurance Co. Ltd.
118 IRDA/NL/GDL/RIN/017/01/2016 NON LIFE Guidelines/Instructions 19/1/2016 Guidelines on Cross Border Reinsurance
119 IRDA/BRK/MISC/CIR/018/01/2016 BROKERS Miscellaneous 21/1/2016 Brokers Training through online module
120 IRDA/NL/CIR/MISC/019/01/2016 NON LIFE Circular 28/1/2016 Issues pertaining to opening of offices in
IFSC
121 IRDA/ENF/ORD/ONS/023/02/2016 Enforcement Orders 8/2/2016 Final order in the matter of M/s The
Oriental Insurance Co Ltd
122 IRDA/F&I/MISC/CIR/026/02/2016 F&I Miscellaneous 9/2/2016 Submission of returns for F & A non life
through BAP
123 IRDA/NL/CIR/MISC/024/02/2016 NON LIFE Circular 9/2/2016 All Gen. Ins, Co. stand alone Ins. co.
124 IRDA/NL/CIR/F&U/025/02/2016 NON LIFE Circular 9/2/2016 All Gen. Ins.
125 IRDA/BRK/MISC/ORD/027/02/2016 BROKERS Miscellaneous 12/2/2016 Final order in the matter of M/s LMB
Insurance Brokers Pvt. Ltd.
126 IRDA/SUR/ORD/MISC/028/02/2016 SURVEYORS Orders 15/2/2016 Order in the matter of Shri.Sanjeev Soni,
Surveyor and Loss Assessor - SLA
NO:150006
127 IRDA/CAGTS/CIR/LCE/029/02/2016 CORPORATE AGENTS Circular 16/2/2016 Clarification on IRDAI (Registration of
Corporate Agents) Regulations, 2015
128 IRDA/NL/GDL/F&U/030/02/2016 NON LIFE Guidelines/Instructions 16/2/2016 Guidelines on Product filing procedures for
general insurance products
129 IRDA/SUR/MISC/ORD/031/02/2016 SURVEYORS Miscellaneous 16/2/2016 Appointment of election officer to conduct
8th conusil elections of IIISLA for 4
zonalvacancies

183
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject
130 IRDA/INT/CIR/INSRE/032/02/2016 INTERMEDIARIES Circular 22/2/2016 uploading of slA data on iTrex( Insurance
DEPARTMENT Transaction Exchange) server
131 IRDA/SUR/ORD/MISC/034/02/2016 SURVEYORS Orders 25/2/2016 Order in the matter of Sh. Munish Prashar,
SLA 72810 and M/s Puri Crawford ISLA
IndiaPvt. Ltd., SLA 72398
132 IRDA/NL/CIR/RIN/036/02/2016 NON LIFE Circular 29/2/2016 Deferment of date of enforcement of Reg
28(9) of IRDAI Regulations, 2015
133 IRDA/F&A/CIR/IFRS/037/03/2016 Finance & Accounts Circular 1/3/2016 Constitution of internal working group on
Ind As
134 IRDA/F&A/CIR/IFRS/038/03/2016 Finance & Accounts Circular 1/3/2016 Implementation of Indian Accounting
Standards in insurance industry
135 IRDA/BRK/MISC/ORD/039/03/2016 BROKERS Miscellaneous 2/3/2016 Final order in the matter of M/s Towers
Watson Insurance Brokers India Pvt. Ltd.
136 IRDA/INT/CIR/IMF/041/03/2016 INTERMEDIARIES Circular 2/3/2016 clarification on IRDAI (Registration of
DEPARTMENT Insurance Marketing Firm) Regulation,
2015
137 IRDA/INT/ORD/COCI/042/03/2016 INTERMEDIARIES Orders 2/3/2016 CONSTITUTION OF A COMMITTEE FOR
DEPARTMENT ESTABLISHMENT OF INSURANCE
SERVICE COMPANIES
138 IRDA/TPA/MISC/ORD/040/03/2016 TPA(Intrme) Miscellaneous 2/3/2016 Final order in the matter of M/s Medsave
Healthcare (TPA) Ltd.
139 IRDA/LIFE/CIR/MIN/045/03/2016 LIFE Circular 10/3/2016 offering existing general insurance
products that are in compliance wiht
IRDA(Micro insurance) reg. 2015 as gen.
micro insurance products
140 IRDA/NL/CIR/CRE/044/03/2016 NON LIFE Circular 10/3/2016 Guidelines on trade credit insurance
141 IRDA/ENF/ORD/ONS/046/03/2016 Enforcement Orders 11/3/2016 Final Order in the matter of M/s The New
India Assurance Co. Limited
142 IRDA/INT/GDL/ORD/047/03/2016 INTERMEDIARIES Guidelines/Instructions 11/3/2016 Guidelines on Point of Sales Person - Non-
DEPARTMENT Life & Health Insurers - Addition of
Products
143 IRDA/ACT/MISC/MISC/048/03/2016 ACTUARIAL Miscellaneous 14/3/2016 Panel of Actuaries - Expression of Intrest
144 IRDA/BRK/GDL/CIR/050/03/2016 BROKERS Guidelines/Instructions 15/3/2016 exemption from regulation
145 IRDA/INT/ORD/COMM/049/03/2016 INTERMEDIARIES Orders 15/3/2016 Regulations on payment of commission
DEPARTMENT remuneration or renewal or reward to
insurance agents and insurance
intermediaries
146 IRDA/NL/CIR/MISC/051/03/2016 NON LIFE Circular 15/3/2016 Dismantling of Indian Motor Third Party
Declined Risk Pool for Commercial vehicles
(Act only insurance) - DR Pool

184
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 8
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2015 TO MARCH 2016
S.No. REFERENCE NUMBER DEPARTMENT NOTIFICATION TYPE DATE Subject

147 IRDA/ENF/MISC/ONS/052/03/2016 Enforcement Miscellaneous 17/3/2016 Final Order in the matter of M/s Star Union
Dai Ichi Life Insurance Co Ltd
148 IRDA/ENF/MISC/ONS/053/03/2016 Enforcement Miscellaneous 17/3/2016 Final order in the matter of M/s Exide Life
Insurance Co. Ld.
149 IRDA/ACT/GDL/MISC/055/03/2016 ACTUARIAL Guidelines/Instructions 22/3/2016 To CEOs of all Insurers / Reinsurers
Appointment of Appointed Actuaries and
their Mentors
150 IRDA/F&A/CIR/CPM/056/03/2016 Finance & Accounts Circular 23/3/2016 IRDA (Preparation of financial statements
and auditors repot of insurance companies)
regulations, 2002
151 IRDA/ACT/CIR/MISC/057/03/2016 ACTUARIAL Circular 24/3/2016 Panel of actuaries - Expression of interest
152 IRDA/NL/CIR/MISC/058/03/2016 NON LIFE Circular 24/3/2016 Submission of quality data to IIB
153 IRDA/NL/ORD/MOTP/060/03/2016 NON LIFE Orders 28/3/2016 premium rates for motor third party liability
insurance cover for FY 2016-17
154 IRDA/TPA/REG/CIR/059/03/2016 TPA(Intrme) Regulations 28/3/2016 Third Party Administrators - Health
Services, Regulations
155 IRDA/CAD/CIR/MISC/063/03/2016 Consumer Affairs Circular 31/3/2016 Non-Compliance of Award of Insurance
Ombudsman

185
 ANNUAL REPORT 2015-16

ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2016#
Sl.No Name of the Notification
1 IRDA (The Insurance Advisory Committee) (Meeting) Regulations, 2000
2 IRDA (Appointed Actuary) Regulations, 2000
3 IRDA (Actuarial Report and Abstract) Regulations, 2000
4 IRDA (Licensing of Insurance Agents) Regulations, 2000
5 IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000
6 IRDA (General Insurance-Reinsurance) Regulations, 2000
7 IRDA (Registration of Indian Insurance Companies) Regulations, 2000
8 IRDA (Insurance Advertisements and Disclosure) Regulations, 2000
9 IRDA (Obligations of Insurers to Rural Social Sectors) Regulations, 2000
10 IRDA (Meetings) Regulations, 2000
11 IRDA (Preparation of Financial Statements and Auditors' Report of Insurance Companies) Regulations, 2000
12 IRDA (Investment) Regulations, 2000
13 IRDA (Conditions of service of Officers and other Employees) Regulations, 2000
14 IRDA (Insurance Surveyors and Loss Assessors-Licensing, Professional Requirements and Code of Conduct)
Regulations, 2000
15 IRDA (Life Insurance - Reinsurance) Regulations, 2000
16 IRDA ( Investment) (Amendment) Regulations, 2001
17 IRDA (Third Party Administrators - Health Services) Regulations, 2001
18 IRDA ( Re-Insurance Advisory Committee) Regulations, 2001
19 IRDA (Investments) (Amendment) Regulations, 2002
20 IRDA (Preparation of Financial Statements and Auditors' Report of Insurance Companies) Regulations, 2002
21 IRDA (Protection of Policyholders' Interests) Regulations, 2002
22 IRDA (Insurance Brokers) Regulations, 2002
23 IRDA (Obligations of Insurers to Rural Social Sectors) Regulations, 2002
24 IRDA (Licensing of Corporate Agents) Regulations, 2002
25 IRDA (Licensing of Insurance Agents) (Amendment) Regulations, 2002
26 IRDA (Protection of Policyholders' Interests) (Amendment) Regulations, 2002
27 IRDA (Manner of Receipt of Premium) Regulations, 2002
28 IRDA (Distributions of Surplus) Regulations, 2002
29 IRDA (Registration of Indian Insurance Companies) (Amendment) Regulations, 2003
30 IRDA (Investment) (Amendment) Regulations, 2004
31 IRDA (Qualification actuary) Regulations, 2004
32 IRDA (Obligations of Insurers to Rural / Social Sectors) (Amendment) Regulations, 2004
33 IRDA (Micro Insurance) Regulations, 2005
34 IRDA (Conditions of Service of Officers and other Employees) (Amendment) Regulations, 2005
35 IRDA (Obligation of Insurers to Rural or Social Sectors) (Amendment) Regulations, 2005
36 IRDA(Licensing of Insurance Agents)(Amendment) Regulations, 2007

186
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2016#
Sl.No Name of the Notification

37 IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2007

38 IRDA (Insurance Brokers) (Amendment) Regulations, 2007
39 IRDA (Obligation of Insurers to Rural or Social Sectors) (Third Amendment) Regulations, 2008
40 IRDA (Obligation of Insurers to Rural or Social Sectors) (Fourth Amendment) Regulations, 2008
41 IRDA (Registration of Indian Insurance Companies) (Second Amendment) Regulations, 2008
42 IRDA (Conditions of service of Officers and other Employees) (Amendments) Regulations, 2008
43 IRDA(Investment) (Fourth Amendment) Regulations, 2008
44 IRDA (Sharing of Database for Distribution of Insurance Products) Regulations, 2010
45 IRDA (Treatment of Discontinued Linked Insurance Policies) Regulations, 2010
46 IRDA (Insurance Advertisements and Disclosure) (Amendment) Regulations, 2010
47 IRDA (Licensing of Corporate Agents) (Amendment) Regulations, 2010
48 IRDA (Scheme of Amalgamation and Transfer of General Insurance Business) 2011
49 IRDA (Issuance of Capital by Life Insurance Companies) Regulations, 2011
50 IRDA (Registration of Indian Insurance Companies) (Third Amendment) Regulations, 2012
51 IRDA (Insurance Advisory Committee) ( Meetings) ( First Amendment) Regulations. 2012
52 IRDA (Sharing of confidential information concerning domestic or foreign entity) Regulations, 2012
53 IRDA (Registration of Indian Insurance Companies) (Fourth Amendment) Regulations, 2013
54 IRDA (Appointed Actuary) (First Amendment) Regulations, 2013
55 IRDA (General Insurance - Reinsurance ) Regulations, 2013
56 IRDA (Insurance Brokers) (Second Amendment) Regulations, 2013
57 IRDA (Scheme of Amalgamation and Transfer of Life Insurance Business) Regulations, 2013
58 IRDA (Third Party Administartor - Health Services) (First Amendment) Regulations, 2013
59 IRDA (Standard Proposal Form for Life Insurance) Regulations, 2013
60 IRDA (Places of Business) Regulations, 2013
61 IRDA (Issuance of Capital by General Insurance Companies) Regulations, 2013
62 IRDA (Non-linked Insurance Products) Regulations, 2013
63 IRDA (Health Insurance) Regulations, 2013
64 IRDA (Linked Insurance Products) Regulations, 2013
65 IRDA (Investment) (Fifth Amendment) Regulations, 2013
66 IRDA (Life Insurance - Reinsurance) Regulations, 2013
67 IRDA (Insurance Surveyors and Loss Assessors - Licensing, Professional requirements and code of conduct)
(Amendment) Regulations, 2013
68 IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013
69 IRDA (Web aggregators) Regulations, 2013
70 IRDA (Meetings) (First Amendment) Regulations, 2013
71 IRDA IAC (Mettings) (Second Amendment) Regulations, 2013
72 IRDA (Insurance Brokers) Regulations, 2013

187
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 9
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 UP TO 31/03/2016#
Sl.No Name of the Notification
73 IRDA (TPA - Health Services) (Second Amendment) Regulations, 2013
74 IRDA (Registration of Indian Insurance Companies) (Fifth Amendment) Regulations, 2013
75 IRDA (Licencing of Insurance Agents) (Amendment) Regulations 2013
76 IRDA (Insurance Surveyors and Loss Assessors- Licensing, Professional requirements and code of conduct)
(Second Amendment) Regulations, 2013
77 IRDA (Conditions of Service of Officers and Other Employees) (Third Amendment) Regulations, 2014
78 IRDA (Registration of Indian Insurance Companies) (Sixth Amendment) Regulations, 2014
79 IRDA (Health Insurance) (First Amendment) Regulations, 2014
80 IRDAI (Registration of Insurance Marketing Firm) Regulations, 2014
81 IRDAI (Micro Insurance) Regulations, 2015
82 IRDAI (Transfer of Equity Shares of Insurance Companies) Regulations, 2015
83 IRDAI (Fee for registering, cancellation or change of Nomination) Regulations, 2015
84 IRDAI (Fee for granting written acknowledgement of the receipt of Notice of Assignment or Transfer) Regulations,
2015
85 IRDAI (Obligation of Insurer in respect of Motor Third Party Insurance Business) Regulations, 2015
86 IRDAI (Places of Business) Regulations, 2015
87 IRDAI (Maintenance of Insurance Records) Regulations, 2015
88 IRDAI (Registration of Corporate Agents) Regulations, 2015
89 IRDAI (Obligations of Insurers to Rural and Social sectors) Regulations, 2015
90 IRDAI ( Minimum Limits for Annuties and other Benefits) Regulations, 2015
91 IRDAI (Acquisition of Surrender and Paid up values) Regulations, 2015
92 IRDAI ( Insurance Services by Common Service Centres) Regulations, 2015
93 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyds) Regulations,
2015.
94 IRDAI (Insurance Surveyors and Loss Assessors) Regulations, 2015
95 IRDAI ( Insurance Advertisements and Disclosure) (Amendment) Regulations, 2015
96 IRDAI (Other Forms of Capital) Regulations, 2015
97 IRDAI (Issuance of Capital by Indian Insurance Companies transacting other than Life Insurance business)
Regulations, 2015
98 IRDAI (Issuance of Capital by Indian Insurance Companies transacting Life Insurance business) Regulations,
2015
99 IRDAI (Registration and Operations of Branch Offices of Foreign Reinsurers other than Lloyds) (First
Amendment) Regulations, 2016
100 IRDAI (Inspection and Fee for Supply of Copies of Returns) Regulations, 2015
101 IRDAI (Registration of Indian Insurance Companies) (Seventh Amendment) Regulations, 2016
102 IRDAI (Lloyds India) Regulations, 2016
103 IRDAI (TPA - Health Services) Regulations, 2016

#Notified in official Gazette

188

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16
Sl. Name of the entity
No
1 Reliance General Insurance Co Ltd
2 Gokulam Health Services TPA Pvt Ltd
3 United India Insurance Co Ltd
4 Chola MS General Insurance Co. Ltd
5 National Insurance Co Ltd
6 Good Health Plan TPA Ltd
7 India First Life Insurance Co Ltd
8 Future Generali India Life Ins. Co Ltd
9 India First Life Insurance Co Ltd
10 Tata AIA Life Insurance Co Ltd
11 L&T General Insurance Co Ltd
12 Bajaj Allianz General Insurance Co Ltd
13 Reliance Life Insurance Co Ltd
14 ICICI Lombard General Ins. Co Ltd
15 Reliance General Insurance Co Ltd
ANNUAL REPORT 2015-16
ANNEXURE 10(i)
Amount of Date of issuance Brief particulars of the violation committed
Penalty (in `) of penalty order
500000 10/4/2015 Violaiton of IRDA (Health Insurance) Regulation, 2013
200,000 13/4/2015 Violation of IRDA (TPA-Health Services) Regulations.
6,000,000 22/4/2015 Violation of IRDA (Preparation of Financial Statements and Auditors
report of insurance companies) Regulations, 2002, IRDA ((Protection
of Policyholders' Interests) Regulations, 2002, F&U guidelines,
Section,64VB of Insurance Act, IRDA (ASLM) Regulations, 2000,
IRDA (Licensing of insurance agents) Regulations, 2000,
advertisement guidelines and guidelines on payouts to licensed
entities.
100,000 24/4/2015 Marketing of product named 'Chola MS Corporate Travel Insurance'
without approval of the Authority
500,000 27/4/2015 Violation of Reg.5(r),5(e),5(f)(iv),5(g),8(d)(iv) of IRDA (Health
Insurance) Regulation, 2013 and Reg.14(2)(h) of IRDA Act 1999.
500,000 28/4/2015 Violation of IRDA (TPA-Health Services) Regulations.
6,500,000 27/5/2015 Violation of Section 40(1), 40(A) of Insurance Act, Corporate agents,
F&U and group insurance guidelines and IRDA (Protection of
Policyholders' Interests) Regulations, 2002.
5,000,000 9/6/2015 Violation of provisions of IRDA (Registration of Insurance Companies)
Regulation, 2000, Section 40(1) & 42(7) of Insurance Act,1938,
IRDA (Sharing of Database) Regulations, 2010, corporate agents
guidelines and IRDA (Protection of Policyholders' Interests)
Regulations, 2002
500,000 3/7/2015 Violation of Section 40 (1) of the Insurance Act, 1938 and Clause
21 of the Circular No. 017/IRDA/Circular/CA guidelines/2005 dated
14th July 2005 issued under IRDA (Licensing of Corporate Agents)
Regulations, 2002
1,000,000 3/7/2015 Violation of Clause 21 of the Circular No. 017/IRDA/Circular/CA
guidelines/2005 dated 14th July 2005 issued under IRDA (Licensing
of Corporate Agents)Regulations, 2002
5,000,000 30/7/2015 Violation of F&U guidelines, Distance Marketing guidelines, IRDA
(Protections of Policyholders' Interests) Regulations,2002 and
Section.40(1) and 42D(8) of Insurance Act,1938.
1,500,000 31/7/2015 Violation of Section 64VB,40(1) & 42d(8) of Insurance Act and
commission circular dated 25/08/2008
8,500,000 6/8/2015 Violation of Outsourcing guidelines and Corporate Governance
guidelines.
1,000,000 3/9/2015 Violation of F&U guidelines and Section 64VB of Insurance Act, 1938.
500,000 10/9/2015 Violation of provisions of Reg.2(g)(i) of IRDA (Registration of
Insurance Companies) Regulation, 2000
189
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE 10(i)

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No Penalty (in `) of penalty order

16 Reliance Life Insurance Co Ltd 500,000 10/9/2015 Violation of Reg.2(g)(i) of IRDA (Registration of Indian Insurance
companies) Regulaiton, 2000
17 ICICI Life Insurance Co Ltd 500,000 9/10/2015 Violation of Outsourcing guidelines.
18 IDBI Federal Life Insurance Co Ltd 1,600,000 4/11/2015 Violation of Group Insurance guidelines, F&U guidelines, Section
40A(1) & 40(1) of Insurance Act,1938 and IRDA (Licensing of
Corporate Agents) Regulations, 2002
19 East West Assist TPA Pvt Ltd 100,000 17/11/2015 Violation of IRDA (TPA-Health Services) Regulations.
20 Chola MS General Insurance Co. Ltd 2,500,000 16/12/2015 Violation of F&U guidelines, Section 64VB of Insurance Act,1938,
IRDA (Sharing of Database) Regulations, 2010 and IRDA (Protection
of Policyholders') Regulations, 2002.
21 Iffco-Tokio General Insurance Co Ltd 1,000,000 7/1/2016 Violation of F&U guidelines and provisions of IRDA (Licensing of
Corporate Agents) Regulations, 2002.
22 Universal Sompo General Ins. Co Ltd 1,500,000 7/1/2016 Violation of F&U guidelines, additional payouts to licensed entities,
guidelines on solicitation of business and IRDA (Sharing of Database)
Regulations, 2010.
23 Anmol Medicare TPA Ltd 500,000 11/1/2016 Violation of IRDA (TPA-Health Services) Regulations.
24 The New India Assurance Co Ltd 500,000 19/1/2016 Violation of Reg.4(a) of IRDA (Health Insurance) Regulations, 2013
25 The Oriental Insurance Co Ltd 2,000,000 8/2/2016 Violation of Group insurance guidelines, F&U guidelines and guidelines
on solicitation of business.
26 The New India Assurance Co Ltd 1,500,000 11/3/2016 Violation of IRDA (Licensing of Corporate Agents) Regulations, 2002,
F&U guidelines and IRDA (Protection of Policyholders' Interests)
Regulations, 2002.
27 Exide Life Insurance Co Ltd 1,100,000 21/3/2016 Violation of Section 45 of Insurance Act, Group Insurance Guidelines
and IRDA (Licensing of Corporate Agents) Regulations, 2002
28 Star Union Dia-ichi Life Ins. Co Ltd 100,000 22/3/2016 Violation of Group Insurance guidelines

190

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16 (BROKERS)
Sl. Name of the entity
No
1 Aditya Birla Insurance Brokers Ltd
2 Sanguine Insurance Brokers Pvt.Ltd
3 Navnit Insurance Broking Pvt.ltd.
4 Unison Insurance Broking Services Pvt.Ltd
5 Salasar Services Insurance Brokers Pvt.Ltd
6 IndiaNivesh Insurance Brokers Pvt.Ltd
7 Rajkrishna Insurance Broker Pvt.Ltd
8 AIMS Insurance Broking Pvt. Ltd
9 TransAsia Composite Insurance Broking Ltd
10 Interlink Ins. and Re-Ins. Broking Pvt. Ltd.
11 RR Insurance brokers Pvt. Ltd.
ANNUAL REPORT 2015-16
ANNEXURE - 10(ii)
Amount of Date of issuance Brief particulars of the violation committed
Penalty of penalty order
` 1,000,000 1/4/2015 (1) Penalty of `3 lacs. imposed for violation of Reg.20 of
IRDA (Insurance Brokers) Regulations 2002. (2). Penalty of
`2 lacs imposed for violation of Reg.13 of IRDA (Insurance
Brokers) Regulations 2013 (3) Penalty of `5 lacs imposed
for violatoin of Reg 8(2)(xiv) of IRDA (Insurance Brokers)
Regulations 2013
` 100,733 1/4/2015 (1) Penalty of ` 733/- imposed for violation of Reg.18 of
IRDA (Insurance Brokers) Regulations 2002. (2) Penalty of
`1 lac imposed for violation of Reg.13 of IRDA (Insurance
Brokers) Regulations 2013
` 302,500 9/4/2015 (1)Penalty of `2500/- imposed for violation of Reg.18 of
IRDA (Insurance Brokers) Regulations 2002.(2) Penalty of
`1 lac imposed for violation of Reg.13 of IRDA (Insurance
Brokers) Regulations 2013. (3) Penalty of `2 lacs imposed
for violation of Reg 9(3) of IRDA (Insurance Brokers)
Regulations 2002
` 400,000 9/4/2015 (1) Penalty of `2 lacs. imposed for violatoin of Clause 3(b) of
code of conduct as specified in IRDA (Insurance Brokers)
Regulations 2013. (2) Penalty of `2 lacs imposed for risk
assessment report relates to universal management, violation
of Reg 4 of IRDA (Insurance Brokers) Regulations, 2013.
` 500,000 13/4/2015 A penatly of ` 5 lacs imposed for violation of Reg.34 (b)
IRDA (Insurance Brokers) Regulations 2002
` 1,300,000 13/4/2015 (1) Penalty of ` 6 lacs. imposed for violation of Reg.20 of
IRDA (Insurance Brokers) Regulations 2002. (2) Penalty of
`5 lacs imposed for violation of Reg.34 (b) of IRDA (Insurance
Brokers) Regulations,2002. (3) Penalty of `2 lacs imposed
for violation of Reg.9(2)(b) of IRDA (Insurance Brokers)
Regulations 2002.
` 11,034 13/4/2015 Penalty of `11034/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations,2002
` 100,000 20/4/2015 Imposed penalty of `1 lac. for violation of Reg.13 of IRDA
(Insurance Brokers) Regulations 2013
` 200,000 21/4/2015 Imposed penalty of `2 lacs. for violation of Reg.13 of IRDA
(Insurance Brokers) Regulations 2013
` 600,000 23/4/2015 Penalty of ` 6 lacs. Imposed for violation of Reg.20 of IRDA
(Insurance Brokers) Regulations 2002
` 523,608 27/4/2015 (1) Penalty of `23,608/- imposed for violation of Reg.18 of
IRDA (Insurance Brokers) Regulations 2002. (2) Penalty of
`5 lac imposed for violation of Reg.8(2)(iii)of IRDA (Insurance
Brokers) Regulations 2013
191
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE - 10(ii)

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16 (BROKERS)
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No Penalty of penalty order

12 Vipul Insurance Brokers Pvt.Ltd ` 200,000 4/5/2015 `2 lacs penalty imposed for violation of Reg.13 of IRDA
(Insurance Brokers) Regulations 2013
13 JK Risks Managers & Insurance Brokers Ltd. ` 400,000 12/5/2015 (1) `2 lacs penalty imposed for violation of Reg.9(2)(b) of
IRDA (Insurance Brokers) Regulations, 2002. (2) `2 lacs
penalty imposed for violation of Reg.9(3)(a) and (b) of IRDA
(Insurance Brokers) Regulations, 2002.
14 Premium Insurance Brokers Pvt.Ltd. ` 2,500 7/5/2015 Penalty of `2,500/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations,2002
15 Galaxy Risk Insurance Brokers Pvt.Ltd. ` 302,500 18/5/2015 (1) Penalty of `1 lac. imposed for violation of Reg.13 of IRDA
(Insurance Brokers) Regulations 2013. (2) Penalty of `2500/
- imposed for violation of Regulation 18 of IRDA (Insurance
Brokers) Regulations,2002 . 3) Penalty of `2 lacs imposed
for violation of Reg.9(3)(b) of IRDA (Insurance brokers)
Regulations,2002
16 JB Boda Insurance Brokers Pvt.Ltd ` 800,000 18/5/2015 (1) Penalty of `1 lac. imposed for violation of Reg.13 of IRDA
(Insurance Brokers) Regulations 2013 (2) Penalty of `2 lacs
imposed for violation of Reg.21(3)(b) of IRDA (Insurance
brokers) Regultions,2002 (3) Penalty of ` 2 lacs imposed for
violation of Reg.27 of IRDA (Insurance brokers) Regulations
2002 (4) Penalty of `3 lacs. imposed for violation of
Reg.9(2)(b) of IRDA (Insurance Brokers) Regulations,2002 .
17 Vulcan International Insurance Brokers Ltd. ` 300,000 18/5/2015 Penalty of `3 lacs. Imposed for violation of Reg.20 of IRDA
(Insurance Brokers) Regulations,2002
18 AU Insurance Broking Services Pvt.Ltd ` 200,000 18/5/2015 Penalty of `2 lacs. Imposed for violation of 9(3)(b) of IRDA
(Insurance Brokers) Regulations,2002
19 Praman Re-insurance Brokers Pvt.Ltd ` 407,500 5/5/2015 (1) Penalty of `7500/- imposed for violation of Regulation
14 of IRDA (Insurance Brokers) Regulations,2013. (2) Penalty
of `2 lacs imposed for violation of Reg.13 of IRDA (Insurance
Brokers) Regulations 2013. (3) Penalty of of `2 lacs for
violation of Reg.34(2) of IRDA (Insurance Brokers)
Regulations,2002
20 Mathrawala & Sons Ins.Brokers Pvt.Ltd. ` 479,790 26/5/2015 (1)Penalty of `4 lacs. imposed for violation of Regulation 24
of IRDA (Insurance Brokers) Regulations,2002 . (2) Penalty
of `79,790/- imposed for violation of Regulation 18 of IRDA
(Insurance Brokers) Regulations,2002
21 Zeal Direct & Re-Ins. Broking Services Pvt.Ltd. ` 12,500 26/5/2016 Penalty of `12500/-imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations,2002
22 Link-K Insurance Broker Co.Ltd ` 400,000 8/6/2015 (1) Penalty of ` 2 lacs. imposed for violation of Regulation
13 of IRDA (Insurance Brokers) Regulations, 2013 . (2) Penalty
of ` 2 lacs. imposed for violation of Reg. 8 (2)(ii) of IRDAs
(Insurance Brokers) Regulations, 2013

192
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE - 10(ii)

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16 (BROKERS)
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No Penalty of penalty order
23 Suraksha Insurance Brokers Pvt. Ltd ` 300,000 9/6/2015 Penalty of `3 lacs imposed for violation of Regulation 20 of
IRDA (Insurance Brokers) Regulations, 2002.
24 Satyan Insurance Brokers Pvt.Ltd. ` 203,886 10/6/2015 (1) Imposed penalty `3,886/- for violation of Reg.18 of IRDA
(Insurance Brokers) Regulations 2002 (2)Imposed penalty of
`2 lacs for violation of Reg.9(3) of IRDA (Insurance Brokers)
Regulations 2002
25 Deccan Ins. & Re-Insurance Brokers Pvt Ltd ` 200,000 25/6/2015 "Penalty of ` 2 lacs imposed for violation of 8 (2) of IRDA
(Insurance Brokers), Regulations,2013"
26 Life and General Ins. and Reinsurnce Brokers Pvt Ltd ` 491,315 8/7/2015 (1) Penatly of `91,315 imposed for violation of Reg. 18 of
IRDA (Insurance Brokers) Regulations, 2002. (2) Penalty of
`2 lacs imposed for violation of Reg 18(3) of IRDA (Insurance
Brokers) Regulations, 2013. (3) Penalty of `2 lakhs imposed
for violation of Reg 9(3) of IRDA (Insurance Brokers)
Regulations, 2002.
27 Insutech Insurance Broking Services Pvt Ltd ` 100,000 8/7/2015 Penalty of `1 lac imposed for violation of Reg 13 of IRDA
(Insurance Brokers) Regulations, 2013.
28 Peraj Insurance Brokers Pvt Ltd ` 200,000 11/7/2015 Penalty of `2 lacs for violation for violation of Reg 18(3) of
IRDA (Insurance Brokers) Regulations, 2013
29 Safeway Insurance Brokers Pvt Ltd ` 1,020,000 28/7/2015 (1).Penalty of ` 20,000/- imposed for violation Regulation
18 of IRDA (Insurance Brokers) Regulations, 2002 .
(2).Penalty of ` 1 lac imposed for violation of Reg 13 of
IRDA (Insurance Brokers) Regulations 2013. (3). Penalty of
` 2 lacs imposed for violation of Regulation 9(1) & 9(2) of
IRDA (Insurance Brokers) Regulations, 2002. (4) Penalty of
` 5 lacs imposed for violation of Regulation 3(b) of the code
of conduct of IRDA (Insurance Brokers) Regulations, 2002.
(5) Penlaty of ` 2 lacs imposed for violation of Reg 41 (1) (o)
of IRDA (Insurance Brokers) Regulations, 2013
30 Leads Insurance Brokers Pvt Ltd ` 305,750 31/7/2015 (1).Penalty of ` 5,750/- imposed for violation Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 . (2). Penalty
of ` 2 lacs imposed for violation of Reg 13(2) of the IRDA
(Insurance Brokers) Regulations 2002. (3). Penalty of ` 1 lac
imposed for violation of Regulation 13 of IRDA (Insurance
Brokers) Regulations, 2013
31 Nipun Insurance Brokers Pvt Ltd ` 300,000 31/7/2015 Penalty of ` 3 lakhs imposed for violation Regulation 20 of
IRDA (Insurance Brokers) Regulations, 2002 .
32 Telos Risk Mgmt. & Ins. Broking services Pvt Ltd ` 300,000 31/7/2015 Penalty of ` 3 lakhs imposed for violation Regulation 20 of
IRDA (Insurance Brokers) Regulations, 2002 .
33 VIS Insurance Brokers Pvt Ltd ` 230,000 31/7/2015 (1).Penalty of ` 30,000/- imposed for violation of Regulation
18 of IRDA (Insurance Brokers) Regulations, 2002 .
(2).Penalty of ` 2 lacs imposed for violation of Reg 9(3) of
the IRDA (Insurance Brokers) Regulations 2002.

193
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE - 10(ii)

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16 (BROKERS)
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No Penalty of penalty order
34 Satabdi Insurance Broker Ltd ` 300,000 31/7/2015 (1). Penalty of ` 1 lac imposed for violation of Reg 13 of
IRDA (Insurance Brokers) Regulations 2013. (2). Penalty of
` 2 lacs imposed for violation of Reg 9(3) of the IRDA
(Insurance Brokers) Regulations 2002.
35 Continental Suraksha Ins. Broking Services Pvt Ltd ` 11,926 31/7/2015 (1). Penatly of `11,926 imposed for violation of Reg. 18 of
IRDA (Insurance Brokers) Regulations, 2002.
36 MASS Insurance Brokers Pvt Ltd ` 302,500 31/7/2015 (1).Penalty of ` 2,500/- imposed for violation of Regulation
18 of IRDA (Insurance Brokers) Regulations, 2002 .(2) Penalty
of ` 3 lacs imposed for violation of Regulation 20 of the
IRDA (Insurance Brokers) Regulations, 2002.
37 Composite Ins. Brokers & Advisors Pvt Ltd ` 80 4/8/2015 Penatly of `80 imposed for violation of Reg. 18 of IRDA
(Insurance Brokers) Regulations, 2002.
38 Rangudyan Insurance Broking Services Ltd ` 405,776 5/8/2015 (1). Penalty of ` 5,776/- imposed for violation of Regulation
14 of IRDA (Insurance Brokers) Regulations, 2013 . (2).
Penalty of ` 2 lacs imposed for violation of Regulation 8(2)(iii)
IRDA (Insurance Brokers) Regulations, 2013. (3) Penlaty of
` 2 lacs imposed for violation of Reg 21 of the IRDA
(Insurance Brokers) Regulations, 2013
39 Anar Insurance Brokers Ltd ` 300,000 12/8/2015 Penalty of ` 3 lakhs imposed for violation of Regulation 20
of IRDA (Insurance Brokers) Regulations, 2002 .
40 RIA Insurance Brokers Pvt Ltd ` 200,000 21/8/2015 Penalty of ` 2 lacs imposed for violation of Regulation 9(3)
of IRDA (Insurance Brokers) Regulations, 2002 .
41 Sriyah Insurance Brokers Pvt Ltd ` 400,000 21/8/2015 (1)Penalty of ` 2 lacs imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2)
Penalty of ` 2 lacs imposed for violation of Regulation 38(4)
of IRDA (Insurance Brokers) Regulations, 2013
42 Synergy Insurance Broking Services Pvt Ltd ` 5,937 24/8/2015 Penalty of ` 5,937/- imposed for violation of Regulation 14
of IRDA (Insurance Brokers) Regulations, 2013 .
43 Almondz Insurance Brokers Pvt Ltd ` 200,000 27/8/2015 Imposed penalty of ` 2,00,000 for violation Reg 4 of the
IRDA (Insurance Brokers) Regulations, 2013
44 Shreyash Insurance Brokers Pvt Ltd ` 20,000 28/8/2015 Penalty of ` 20,000 imposed for violation of Regulation 14
of IRDA (Insurance Brokers) Regulations, 2013 .
45 Makhathi Insurance Broker Pvt Ltd ` 3,000 31/8/2015 Imposed penalty of ` 3000/- for violation of Regulation 14
of IRDA (Insurance Brokers) Regulations, 2013 .
46 Coretree Insurance Brokers (India) Pvt. Ltd ` 205,000 1/9/2015 (1)Penalty of ` 2 lacs imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2).
Imposed penalty of ` 5,000/- for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
47 Sunrays Insurance Broking Services Ltd ` 305,000 11/9/2015 (1).Penalty of ` 2 lacs imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2).
Penalty of ` 1 lac imposed for violation of Regulation 13 of

194
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE - 10(ii)

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16 (BROKERS)
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No Penalty of penalty order
(Contd..) IRDA (Insurance Brokers) Regulations, 2013. (3).Imposed
Sunrays Insurance Broking Services Ltd. penalty of ` 5,000/- for violation of Regulation 14 of IRDA
(Insurance Brokers) Regulations, 2013 .
48 BUT International Insurance Broker Pvt Ltd ` 100,000 8/9/2015 Penalty of ` 1 lac imposed for violation of Regulation 13 of
IRDA (Insurance Brokers) Regulations, 2013.
49 Royal Insurance Broking (India) Pvt. Ltd ` 110,500 22/9/2015 (1). Penalty of ` 1 lac imposed for violation of Regulation 13
of IRDA (Insurance Brokers) Regulations, 2013. (2).Penalty
of `10,500/- imposed for violation of Regulation 18 of IRDA
(Insurance Brokers) Regulations, 2002.
50 Key Insurance Brokers Pvt Ltd ` 102,500 24/9/2015 (1).Penalty of ` 1 lac imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2)
Penalty of ` 2,500/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
51 Alliance Insurance Brokers Pvt Ltd ` 50,000 5/10/2015 Penalty of ` 50,000/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
52 Blend Insurance Brokers Pvt Ltd ` 300,000 25/9/2015 (1).Penalty of ` 2 lacs imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2).
Penalty of ` 1 lac imposed for violation of Regulation 13 of
IRDA (Insurance Brokers) Regulations, 2013.
53 Kare India Insurance Brokers Pvt Ltd ` 206,297 15/10/2015 (1) Penalty of ` 2 lacs imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2)
Penalty of ` 6,297/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
54 Urjita Insurance Brokers Pvt Ltd ` 2,500 16/10/2015 Penalty of ` 2,500/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
55 Ecomoney Insurance Brokers Pvt. Ltd ` 402,500 16/10/2015 (1). Penalty of ` 2 lacs imposed for violation of Regulation
9(3) of IRDA (Insurance Brokers) Regulations, 2002 . (2).
Penalty of ` 2 lacs imposed for violation of Regulation 13 of
IRDA (Insurance Brokers) Regulations, 2013. (3). Penalty of
` 2,500/- imposed for violation of Regulation 18 of IRDA
(Insurance Brokers) Regulations, 2002 .
56 Way2Wealth Insurance Brokers Pvt Ltd ` 200,000 20/10/2015 Penatly of ` 2,00,000 imposed for violation of Reg 8(2)(iii)
of the IRDA (Insurance Brokers) Regulations, 2013.
57 Exclusive Insurance Broking Services Ltd ` 5,000 20/10/2015 Penalty of ` 5,000/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
58 Fundtree Insurance Brokers Pvt Ltd ` 5,000 28/10/2015 Penalty of ` 5,000/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
59 Mohur Insurance Broking and Services Pvt. Ltd ` 200,000 27/10/2015 Penatly of ` 2 lacs imposed for violation of Reg 8(2)(iii) of
the IRDA (Insurance Brokers) Regulations, 2013.
60 Platinumone Insurance Broking Pvt Ltd ` 5,000 30/10/2015 (1) Penalty of ` 5,000/- imposed for violation of Regulation
18 of IRDA (Insurance Brokers) Regulations, 2002 .

195
 ANNUAL REPORT 2015-16

Contd.. ANNEXURE - 10(ii)

PENALTIES LEVIED BY THE AUTHORITY DURING FY 2015-16 (BROKERS)
Sl. Name of the entity Amount of Date of issuance Brief particulars of the violation committed
No Penalty of penalty order
61 Inditrade Insurance Broking Pvt Ltd ` 5,000 29/10/2015 Penalty of ` 5,000/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
62 Hasthiraa Insurance Broking Pvt Ltd ` 2,500 30/10/2015 Penalty of ` 2,500/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002 .
63 Best Insurance Broking Services Pvt Ltd ` 308,115 3/12/2015 (1). Penatly of ` 2 lacs imposed for violation of Reg 8(2)(iii)
of the IRDA (Insurance Brokers) Regulations, 2013. (2)
Penalty of ` 8,115/- imposed for violation of Regulation 18
of IRDA (Insurance Brokers) Regulations, 2002. (3). Penalty
of ` 1 lac imposed for violation of Regulation 13 of IRDA
(Insurance Brokers) Regulations, 2013
64 IIT Ins. Broking & Risk Management Pvt. Ltd. ` 200,000 13/11/2015 Penatly of ` 2 lacs imposed for violation of Reg 8(2)(iii) of
the IRDA (Insurance Brokers) Regulations, 2013.
65 AB Insurance Brokers Pvt. Ltd. ` 800,000 12/1/2016 (1). Penatly of ` 2 lacs imposed for violation of Reg 8(2)(xiv)
of the IRDA (Insurance Brokers) Regulations, 2013. (2)
Penalty of ` 2 lacs imposed for violation of Regulation 41(1)(d)
of IRDA (Insurance Brokers) Regulations, 2013 . (3). Penalty
of ` 2 lacs imposed for violation of clause 3(b) of code of
conduct of IRDA (Insurance Brokers) Regulations, 2013. (4).
Penalty of ` 2 lacs imposed for violation of clause 7(i) of
Distance Marketing Guidelines, issued by the Authority

196