LIC AR 2018 19 Final Web

efveiece kesÀ Jele&ceeve meom³e
CURRENT MEMBERS OF THE CORPORATION
Þeer Sce. Deej. JegÀceej, DeO³e#e

Shri M.R. Kumar, Chairman
Þeer efiejerMe ®evê cegcet& Þeerr osyeeMeerøe Heeb[e

Shri Girish Chandra Murmu Shri Debasish Panda
Þeerceleerr heodcepee ®egb[g© Þeer ìer meer megMeerue JegÀceej Þeer efkeefheve Deevebo
Smt. Padmaja Chunduru Shri T C Suseel Kumar Shri Vipin Anand
Þeer efyeceueWog ®e¬eÀyeleea Þeer Deej. Sve. ®elegJe&soer Þeer Deej. ®ebêMesKejve
Shri Bimalendu Chakrabarti Shri R.N. Chaturvedi Shri R. Chandrasekaran
62Jeerb Jeeef<e&keÀ efjHeesì&
62nd Annual Report
2018-19
veeieefjkeÀ Iees<eCee-he$e
nceeje keÀuhevee oMe&ve
Debleje&äêr³e mlej keÀer SkeÀ heéflemheOeea, efJeMeeue efJeÊeer³e mecetn, pees efJeefYeVe meceepeeW kesÀ efueS cenlJehetCe& nes SJeb Yeejle keÀe ieewjJe nes~
nceeje ue#³e
DeekeÀeb#ee kesÀ Devegªhe Glheeo SJeb mesJeeDeeW kesÀ ceeO³ece mes mecegef®ele ueeYe kesÀ meeLe efJeÊeer³e megj#ee heóeve keÀj meYeer kesÀ peerJeve mlej keÀes efvejeheo jKevee SJeb GVele keÀjvee
leLee Deee|LekeÀ efJekeÀeme kesÀ efueS mebmeeOeve megefveeq½ele keÀjvee~
nceejs cetu³e nceejer mebmke=Àefle
DeefYej#eCe Je efMeäe®eej o#elee
DeefYe¬eÀce Je veJeervelee DevegketÀuelee
mel³eefveÿe Je heejoe|Melee men³eesie
iegCeJeÊee Je ueeYe heéfleye×lee
menYeeefielee Je mebyebOe DevegMeemeve
efJeéemeveer³elee Je Yejesmee DeefOeke=Àle keÀjvee
mebJesoveMeeruelee
Glke=Àÿlee
CITIZENS’ CHARTER
OUR VISION

OUR MISSION

OUR VALUES OUR CULTURE

! Commitment
! Discipline
! "
Sensitivity
Excellence
1
2
2
efJe<e³e met®eer
He=ÿ
1. DeecegKe 7
2. efveiece SJeb meefceefle³eeW kesÀ meom³e, efveiece kesÀ Jeefjÿ he´MeemekeÀ, efve³egJeÌle yeerceebkeÀkeÀ, #es$eer³e 7
meueenkeÀej yees[& SJeb Hee@efuemeerOeejkeÀ heefj<eo kesÀ meom³e
3. Deee|LekeÀ heefjJesMe Deewj peerJeve yeercee J³eJemee³e hej meceeqä Deee|LekeÀ JeÀejJeÀ keÀe heÝeeJe 7
4. keÀe³e& heefjCeece : 11
1) veJe J³eJemee³e : J³eefÊeÀiele yeercee, meeceev³e Jeee|<ekeÀer, heWMeve, vee@ve eEuekeÀ nsuLe, ³etefveì eEuekeÀ J³eJemee³e,
mecetn yeercee J³eJemee³e, meeceeefpekeÀ megj#ee ³eespeveeSb, he´Lece yeercee, ieéceerCe yeercee
2) efJeefYeVe ÞesefCe³eeW ceW ®eeuet J³eJemee³e : J³eefÊeÀiele yeercee, meeceev³e Jeee|<ekeÀer, heWMeve, vee@ve eEuekeÀ nsuLe,
³etefveì eEuekeÀ J³eJemee³e, mecetn yeercee J³eJemee³e
5. hetbpeer cees®eve leLee efveeq½ele Jeee|<ekeÀer J³eJemee³e 13
6. hee@efueefme³eeW kesÀ meebefJeefOekeÀ efJeJejCe 13
7. mebieþveelceJeÀ {eb®ee 13
8. peerJeve efveefOe, DeefOeMes<e leLee heóÊe keÀj 13
9. efJeheCeve ieefleefJeefOe³eeb :
1) efJeefYeVe ®ewveueeW Üeje efkeÀ³ee ie³ee veJe J³eJemee³e : yeQkesÀM³eesjsvme SJeb JewkeÀequhekeÀ heĆeeueer, he´l³e#e efJeheCeve, 14
mJeemL³e yeercee, met#ce yeercee, Glheeo efJekeÀeme Deewj Jeefjÿ J³eJemee³e men³eesieer
2) DeefYekeÀlee& : DeefYekeÀlee&DeeW keÀer mebK³ee, DeefYekeÀlee& keÌueye meom³elee, Je=efÊekeÀ DeefYekeÀlee&DeeW keÀer ³eespevee, 16
cegK³e peerJeve yeercee meueenkeÀej SJeb heéefOeke=Àle DeefYekeÀlee&
3) efJeÊeer³e Je<e& 2019-2020 kesÀ efueS ³eespevee 18
10. efJeosMeer he´®eeueve : efJeosMeer MeeKeeSb, efJeosMeer meb³egÊeÀ GhekebÀheefve³eeb SJeb heéfleefveefOe keÀe³ee&ue³e 18
11. ieénkeÀ mebyebOe heýebOeve : oeJeeW keÀe efveheìeve, heérefce³ece Yegieleeve JesÀ efueS JewkeÀequhekeÀ ceeO³ece, ieénkeÀ efMekeÀe³ele efvekeejCe 19
12. efveieefcele mebhe´s<eCe 23
13. met®evee DeefOekeÀej DeefOeefve³ece, 2005 24
14. keÀee|cekeÀ/keÀce&®eejer mebyebOe 25
keÀce&®eeefj³eeW keÀer mebK³ee, keÀce&®eejer mebyebOe, ceefnueeDeeW keÀe meMeefÊeÀkeÀjCe
Deej#eCe : jeäêr³e veerefle keÀe³ee&vJe³eve, Devegmetef®ele peeefle/pevepeeefle³eeW SJeb Dev³e efheí[s JeieeX kesÀ efueS Deej#eCe,
efok³eebiepeve, YetlehetJe& mewefvekeÀ, DeefYeJeÀlee&Deesb JeÀes Deekeemeer³e $eÝCe, JeÀe³ee&ue³e meskee
15. ceeveJe mebmeeOeve efJekeÀeme : mebieþve efJekeÀeme/heéfMe#eCe, KesueketÀo, hegmleJeÀeue³e 27
16. heýebOe efJekeÀeme kesÀvê 30
17. jepeYee<ee keÀe³ee&vJe³eve 30
18. DeefYe³eebef$ekeÀer keÀe³e&keÀueehe 30
19. mebheoe/meeceefjkeÀ J³eJemee³e FkeÀeF& - mebheoe 31
20. met®evee heéwÐeesefiekeÀer 31
21. DeebleefjkeÀ DebkesÀ#eCe 32
22. efvejer#eCe 33
23. veJe J³eJemee³e SJeb hegveyeeacee 33
24. meleke&Àlee 33
3
25. efveieefcele meeceeefpekeÀ GÊejoeef³elke : mecetn yeercee ³eespeveSb SJeb Dev³e meeceeefpekeÀ megj#ee, 35
meeceeefpekeÀ #es$e ceW efveJesMe SJeb mJeCe&pe³ebefle HeÀeTb[sMeve
26. keÀeheexjsì DeefYeMeemeve
1) yees[& DeefYeMeemeve mebj®evee 37
2) yees[& keÀer yewþkeWÀ 44
3) kesÀvêer³e heýebOeve meefceefle 44
4) #es$eer³e meueenkeÀej yees[& 44
5) hee@efuemeerOeejkeÀ heefj<eo 44
6) peerJeve yeercee efveiece DeefOeefve³ece kesÀ Debleie&le efveoxMe 44
7) uesKee hejer#ekeÀ 44
8) veeefcele efveosMekeÀ 45
27. efJeefJeOe JeÀe³e&JeÀueehe ieefleefJeefOe³eeb: SueDeeF&meer neTeEmeie HeÀeF&veevme efueefceìs[, SueDeeF&meer c³et®³egDeue HeÀC[ Smesì
cewvespeceWì kebÀheveer efue., SueDeeF&meer heWMeve HeÀC[ efueefceìs[, SueDeeF&meer keÀe[& mee|Jemesme efueefceìs[, DeeF&[eryeerDeeF& yeQJeÀ 46
28. DeeYeej heóMe&ve 51
x heefjCeeceeW keÀe meejebMe 53
x meejCeer 57
x heefjefMeä – I 69
efveiece kesÀ keefj÷ DeefOeJeÀejer, #es$eer³e meueenkeÀej yees[& SJeb hee@efuemeerOeejJeÀ heefj<eo kesÀ meom³eieCe
x heefjefMeä – II 79
meebefJeefOekeÀ (kesÀvêer³e) uesKee hejer#ekeÀ
x uesKee : uesKee hejer#ekeÀeW keÀer efjheesì& 146
x peerJeve J³eJemee³e : 158
x efJeÊeer³e efJeJejCe (KeC[er³e)
¤ legueve-he$e : Yeejle SJeb Yeejle kesÀ yeenj mebye× SJeb iewjmebye× J³eJemee³e mes mebyebefOele 158
¤ jepemJe uesKee : Yeejle SJeb Yeejle kesÀ yeenj mebye× SJeb iewjmebye× J³eJemee³e mes mebyebefOele 162
(menYeeieer SJeb iewjmenYeeieer)
¤ ueeYe-neefve uesKee : Yeejle SJeb Yeejle kesÀ yeenj mebye× SJeb iewjmebye× J³eJemee³e mes mebyebefOele 198
¤ Devegmetef®e³eeb pees efJeÊeer³e efJeJejCeeW kesÀ DebieYetle nQ (Devegmetef®e³eeb 1 mes 15 lekeÀ) 202
¤ efJeÊeer³e efJeJejCeeW keÀe meejebMe 294
¤ Devegheele 296
¤ heéeqhle SJeb Yegieleeve uesKee (vekeÀo he´Jeen efJeJejCe) 303
x hetbpeer cees®eve (efveOee&efjle meefnle) yeercee J³eJemee³e :

¤ legueve he$e 306
¤ jepemJe uesKee 308
¤ ueeYe neefve uesKee 310
¤ Devegmetef®e³eeb pees efJeÊeer³e efJeJejCeeW kesÀ DebieYetle nQ (Devegmetef®e³eeb 1 mes 4,6,8 Deewj 11 mes 14 lekeÀ) 312
¤ heýebOeve efjheesì& 322
4
INDEX
Page
1. PREAMBLE 81
2. MEMBERS OF THE CORPORATION, VARIOUS COMMITTEES, SENIOR EXECUTIVES AND 81
APPOINTED ACTUARY, MEMBERS OF ZONAL ADVISORY BOARD AND POLICYHOLDER’S COUNCIL
3. ECONOMIC SCENARIO AND IMPACT OF MACRO ECONOMIC 81
ENVIRONMENT ON LIFE INSURANCE BUSINESS
4. WORKING RESULTS 85
I) New Business - #$ # #%&' ( #
*&' + #$ + #,, , #- #!
II) Business in Force in Various Segments . #$ # #
%&' ( #*&' + #$ +
5. CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS 86
6. STATUTORY STATEMENTS REGARDING POLICIES 87
7. ORGANISATIONAL SET UP 87
8. LIFE FUND, SURPLUS AND TAXES PAID 87
9. MARKETING ACTIVITIES
1) % + /023429 #+ : #
; <' #( #< #; , + 33
2) AGENTS: , # = < # , #
&

, /003 90
3) BUSINESS PLANS FOR 2019-20 92
10. OVERSEAS OPERATIONS>- + #- ?@
- AB , 92
11. CUSTOMER RELATIONSHIP MANAGEMENT :,
#
#
BF #B = $ ! 9/
12. CORPORATE COMMUNICATION 9G
13. RIGHT TO INFORMATION ACT, 2005 - RTI 9H
14. PERSONNEL & EMPLOYEE RELATIONS : ,I, #" ! #"
A #
! 4% 4( & #BJ , 9K
15. HUMAN RESOURCES DEVELOPMENT/OD AND TRAINING ACTIVITIES: , #& 93
16. MANAGEMENT DEVELOPMENT CENTRE 202
17. OFFICIAL LANGUAGE IMPLEMENTATION 202
18. ENGINEERING ACTIVITIES 20/
19. STRATEGIC BUSINESS UNIT - ESTATES 20/
20. INFORMATION TECHNOLOGY 20/
21. INTERNAL AUDIT 20L
22. INSPECTION 20L
23. NEW BUSINESS AND REINSURANCE 20M
24. VIGILANCE 20M
5
25. COMMUNITY DEVELOPMENT ACTIVITIES: ,! 20G

$, ,, # &$ ? -
26. CORPORATE GOVERNANCE
1) DISCLOSURES OF BOARD GOVERNACE STRUCTURE 20K
2) BOARD MEETINGS 22/
3) CENTRAL MANAGEMENT COMMITTEE(CMC) 22L
4) ZONAL ADVISORY BOARD (ZAB) 22L
5) POLICYHOLDERS’ COUNCIL (PHC) 22L
6) DIRECTION AS PER LIC ACT 22L
7) AUDITORS 22L
8) NOMINEE DIRECTORS 22L
27. DIVERSIFIED ACTIVITIES :&( - &#&<- < &#
& -&& , &;++' 22M
28. ACKNOWLEDGEMENT 118
O SUMMARISED RESULTS 229
O TABLES 2/L
O APPENDIX - I 2LG
, "N #
<
O + =
O APPENDIX - II 2MM
,P Q
O ACCOUNTS:= ! 2MH
O LIFE BUSINESS 158
O Financial Statement (Segmental)
¤ Balance Sheet: %&' &'
+ B
2G3
¤ Revenue Account: %&' &'
2H/
+ B
P%Q
¤
%&' &'
+ B
293
¤ ,

-, P, 22GQ /0/
¤ ,
-, /9M
¤ ! /9H
¤ ! P -, Q L0L
O CAPITAL REDEMPTION (INCLUDING ANNUITY CERTAIN) INSURANCE BUSINESS
¤ + , L0H
¤ ! L03
¤ :& L20
¤ ,

-, P, 2M#H#3:222LQ L2/
¤ < ! L//
6
1. DeecegKe :
Yeejleer³e peerJeve yeercee efveiece keÀes 31.03.2019 keÀes meceehle efJeÊeer³e Je<e& kesÀ efueS peerJeve yeercee efveiece DeefOeefve³ece, 1956 keÀer Oeeje 27 kesÀ Devleie&le Deheveer 62Jeer
Jeee|<ekeÀ efjheesì& he´mlegle keÀjves ceW n<e& nes jne nw~
2. efveiece SJeb meefceefle³eeW kesÀ meom³e:
efveiece kesÀ meom³eeW leLee Je<e& kesÀ oewjeve FmekeÀer efJeefYeve meefceefle³eeW kesÀ meom³eeW kesÀ veece JeÀe@hees&jsì DeefYeMeemeve ceW (he=ÿ mebK³ee 37 me 40 lekeÀ), efveiece kesÀ
Jeefjÿ DeefOeJeÀejer, efve³egkeÌle yeerceebkeÀkeÀ, #es$eer³e meueenkeÀej yees[& SJeb hee@efuemeerOeejkeÀ heefj<eo meom³eeW kesÀ veece heefjefMeä I ceW nQ~ (he=ÿ mebK³ee 69 me 78 lekeÀ)
3. Deee|LekeÀ heefjJesMe Deewj peerJeve yeercee J³eJemee³e hej meceeqä Deee|LekeÀ keÀejkeÀ keÀe heÝeeJe
Yeejleer³e DeLe&J³eJemLee ves neue kesÀ Je<eeX ceW Iejsuet megOeejeW keÀer lJeefjle ieefle osKeer nw, DeLee≤ ue®eerueer cegêemHeÀerefle-ue#³eerkeÀjCe ceewefêkeÀ veerefle ªhejsKee,
efoJeeuee Deewj efoJeeefue³eeheve mebefnlee (DeeF&yeermeer),Jemleg SJeb mesJee keÀj (peerSmeìer)Deewj SHeÀ[erDeeF& Meemeve keÀes Goej yeveekeÀj efJeosMeer efveJesMe yeæ{eves kesÀ efue³es
Gþe³es ie³es keÀoce leLee SkeÀ DevegketÀue J³eeheej heefjJesMe GheueyOe keÀjeves kesÀ efue³es he´³eeme keÀe³e&~
mejkeÀej Üeje efkeÀ³es ie³es efJeefYeVe veerefleiele Ghee³e Deewj Deee|LekeÀ megOeej kesÀ heefjCeecemJeªhe DeLe&J³eJemLee ceW efJeéeeme Dee³ee nw~ Je<e& ceW efkeÀ³es ie³es Dev³e megOeejeW
ceW Meeefceue nQ: yegefve³eeoer {eb®es kesÀ efJekeÀeme kesÀ efue³es ]peesj osvee, ceeF¬eÀes, íesìs Deewj ceO³ece GÎ³ece kesÀ efue³es meceLe&ve osvee Deewj Gve lekeÀ hengB®eeves kesÀ keÀe³e&¬eÀce,
2018-19 keÀer DeJeefOe ceW meYeer KejerHeÀ Deewj jyeer HeÀmeueeW kesÀ v³etvelece meceLe&ve cetu³e ceW Je=×er, ` 250 keÀjesæ[ lekeÀ kesÀ Jeee|<ekeÀ keÀejesyeej Jeeueer kebÀheefve³eeW kesÀ Dee³ekeÀj
keÀes keÀce keÀjvee, Deewj yesnlej J³eeheej keÀjves kesÀ Deemeeve Ghee³eeW keÀes Deeies yeæ{evee~ Yeejle ves Fme he´keÀej Jeu[&-yeQkeÀ keÀer `F&pe Dee@HeÀ [tFbie efyepevesme 2019
efjheesì&' ceW 2018 ceW Deheveer jQeEkeÀie ceW 23 mLeeve keÀe megOeej keÀj 77 Jeeb jQkeÀ heéhle efkeÀ³ee~ cegK³e ªhe mes FmekeÀer Jepen nw, efvecee&Ce hejefceì mes efveheìves ceW
cenlJehetCe& megOeej kesÀ meeLe meercee heej J³eeheej ceW megOeej~
DeLe&J³eJemLee cenlJehetCe& meceeqä Deee|LekeÀ ®egveewefle³eeW keÀe meecevee keÀj jner nw, pewmes efJehejerle JeweféekeÀ heefjeqmLeefle³eeB, J³eeheej ceW yeæ{les leveeJe,Deewj ogefve³ee
kesÀ kegÀí efnmmeeW ceW Yet-jepeveereflekeÀ Deefveeq½eleleeSb, Deewj yeQeEkeÀie leLee SveyeerSHeÀmeer #es$e keÀe efJeÊeer³e mJeemL³e~
keÀ) mekeÀue Iejsuet Glheeo (peer[erheer)
efJeÊeer³e Je<e& 2018-19 kesÀ efue³es JeemleefJekeÀ peer[erheer 6.80… yeæ{ves keÀe Devegceeve nw pees efJeÊeer³e Je<e& 2017-18 ceW 7.20… keÀer Je=ef× mes 40 heéfleMele
DebkeÀeW mes keÀce nw~ meJeÀue cegu³e pees[ (peerJeerS) ves 6.60… keÀer Je=ef× oj oMee&³eer nw pees efJeÊeer³e Je<e& 2017-18 ceW 6.90… keÀer Je=ef× mes 30 heéfleMele
DebkeÀeW mes keÀce nw~ efpeve #es$eeW ceW 7.00… mes DeefOekeÀ keÀer Je=ef× oj ope& keÀer ieF& nw, GveceW nQ: `meeJe&peefvekeÀ he´Meemeve, j#ee Deewj Dev³e mesJeeSB'
(8.60…), efvecee&Ce (8.70…), èfJeÊeer³e, De®eue mebheefÊe Deewj J³eeJemeeef³ekeÀ mesJeeSB' (7.40…), èfyepeueer, iewme, peue Deehete|le Deewj Dev³e peve-
Ghe³eesieer mesJeeS'b (7.00…)~ `ke=Àef<e, JeeefvekeÀer Deewj celm³e-heeueve', `Keveve Deewj Keoeve', èfJeefvecee&Ce' Deewj `J³eeheej, nesìue, heefjJenve, meb®eej
Deewj he´meejCe mecyevOeer mesJeeSb' ceW 2.90…, 1.30…, 6.90… Deewj 6.90… Je=ef× ¬eÀceMeë Devegceeefvele nw~
DeeF&DeeF&heer [sìe Üeje heóe|Mele efJeÊeer³e Je<e& 2018-19 ceW DeewÐeesefiekeÀ Je=ef× 3.60… nw,pees efJeÊeer³e Je<e& 2017-18 ceW 4.40… Leer~ efJeÊeer³e Je<e&
2018-19 ceW, efvepeer Debeflece GheYeesie J³e³e (heerSHeÀmeerF&) ceW 8.10… keÀer Je=ef× ngF&, pees efheíues Je<e& keÀer 7.40… keÀer Je=ef× mes DeefOekeÀ nw~ ³en mekeÀue
Iejsuet Glheeo keÀe 59.4… efnmmee nw~ efheíues Je<e& keÀer 15.00… keÀer Je=ef× keÀer leguevee ceW, mejkeÀejer Debeflece GheYeesie J³e³e ceW 9.20… keÀer Je=×er
ngF&~ efJeÊeer³e Je<e& 2017-18 ceW 9.30… keÀer leguevee ceW efJeÊeer³e Je<e& 2018-19 ceW mekeÀue eqmLej hetbpeer efvecee&Ce (peerSHeÀmeerSHeÀ) 10.00… keÀer les]pe
ieefle mes yeæ{e~ Je<e& 2018-19 kesÀ efue³es efveJesMe keÀer oj mekeÀue Iejsuet Glheeo kesÀ 29.30… ceW jner,pees efkeÀ efheíues leerve Je<eeX ceW meyemes DeefOekeÀ nw~
Devegceeveevegmeej, efJeÊeer³e Je<e& 2017-18 ceW 7.20… kesÀ efJekeÀeme oj keÀer leguevee ceW mekeÀue jeäêr³e Dee³e ceW efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve 6.90…
keÀer ye{eslejer ngF& nw~
Ke) mekeÀue Iejsuet ye®ele (peer[erSme)
peer[erheer kesÀ heéfleMele kesÀ ªhe ceW yeepeej cetu³e hej mekeÀue Iejsuet ye®ele keÀe efJeJejCe veer®es efo³ee ie³ee nw:
Je<e& Iejsuet #es$e efvepeer efveieefcele meeJe&peefvekeÀ mekeÀue Iejsuet
efJeÊeer³e ye®eleW YeeweflekeÀ ye®eleW peesæ[ #es$e #es$e ye®eleW
2017-18@ 6.60… 10.30… 17.20… 11.60… 1.70… 30.50…
2016-17# 6.30… 10.50… 17.10… 11.50… 1.70… 30.30…
2015-16* 8.10… 9.60… 18.00… 11.90… 1.20… 31.10…
@ he´Lece mebMeesefOele Devegceeve, # efÜleer³e mebMeesefOele Devegceeve, * le=leer³e mebMeesefOele Devegceeve
7
ie) jepekeÀes<eer³e eqmLeefle

peer[erheer kesÀ … kesÀ ªhe ceW jepekeÀes<eer³e Ieeìe veer®es oer ieF& leeefuekeÀe ceW he´mlegle efkeÀ³ee ie³ee nw :
Je<e& keWÀê Deewj jep³e (meb³egÊeÀ) kesÀJeue keWÀê
2019-20 yeerF& 5.70 3.30
2018-19 5.90 (DeejF&) 3.40 (heerS)
2017-18 5.70 3.50
2016-17 6.90 3.50
2015-16 6.90 3.90
yeerF& - yepeì Devegceeve; DeejF& - mebMeesefOele Devegceeve, heerS - Devebeflece uesKee
uesKee ceneefve³eb$ekeÀ (meerpeerS) Üeje peejer DeebkeÀæ[eW kesÀ Devegmeej, efJeÊeer³e Je<e& 2018-19 ceW jepekeÀes<eer³e Ieeìe peer[erheer kesÀ 3.39… kesÀ mlej hej
Dee ie³ee, pees efkeÀ yepeì kesÀ mebMeesefOele DevegceeveeW kesÀ Devegceeveevegmeej cegK³e ªhe mes iewj-keÀj jepemJe ceW Je=ef× Deewj keÀce Ke®e& kesÀ keÀejCe 3.40… mes
keÀce jne~ mechetCe& ªhe mes, 31 cee®e&, 2019 kesÀ Deble ceW jepekeÀes<eer³e Ieeìe ` 6.45 Kejye Lee~ efJeÊeer³e Je<e& 2018-19 kesÀ efue³es Devebeflece DeebkeÀæ[eW
kesÀ Devegmeej, mekeÀue keÀj jepemJe ` 22,48,175 keÀjesæ[ ope& ngDee, pees efJeÊeer³e Je<e& 2017-18 mes 17.15… keÀer Je=ef× oMee&lee nw~ efJeÊeer³e Je<e&
2018-19 kesÀ he´l³e#e keÀj mebieńCe mes helee ®euelee nw efkeÀ Meg× mebieńCe ` 11.17 ueeKe keÀjesæ[ nw pees efJeÊeer³e Je<e& 2017-18 kesÀ Meg× mebieńCe keÀer
leguevee ceW 18.30… DeefOekeÀ nw~
Ie) ceewefêkeÀ eqmLeefle³eeb
Je<e& keÀer Meg©Deele DeejyeerDeeF& kesÀ ceewefêkeÀ veerefle ceW 'leìmLe' ©Ke jKeves mes ngF& Deewj jshees oj keÀes 6… hej peejer jKee ie³ee ~ DeÊetÀyej 2018 keÀer Sceheermeer
yewþkeÀ ceW ³en 'leìmLe' ©Ke DeheefjJee|lele jne, petve 2018 Deewj Deiemle 2018 oesveeW Sceheermeer yewþkeÀeW ceW jshees oj ceW 25 DeeOeej DebkeÀeW keÀer yeæ{esÊejer keÀer
ieF& Deewj ³en 6.50… lekeÀ hengb®e ie³ee~ ©he³es ceW les]pe efiejeJeì, keÀ®®es lesue keÀer yeæ{leer keÀerceleeW, ®eeuet Keeles kesÀ Ieeìs Deewj lejuelee kesÀ cegÎeW hej leerJe´
oyeeJe keÀer he=ÿYetefce ceW, 'kewÀefueye´sìs[ ìeF&ìeEveie' kesÀ yeoueeJe kesÀ ©Ke meeLe, efomebyej 2018 keÀer Sceheermeer yewþkeÀ lekeÀ ³en oj 6.50… hej yeveer jner~
jshees jsì keÀes 25 DeeOeej DebkeÀeW mes IeìekeÀj 6.25… keÀj efo³ee ie³ee Deewj HeÀjJejer 2019 kesÀ Sceheermeer yewþkeÀ ceW ceewefêkeÀ veerefle keÀe ©Ke henues kesÀ
kewÀefueye´sìs[ ìeF&ìeEveie' mes yeoue keÀj `leìmLe' nes ie³ee~ DeLe&J³eJemLee keÀce]peesj nesves kesÀ mebkesÀle efoKeves keÀer he=ÿYetefce ceW SkeÀ meewc³e cegêemHeÀerefle
¢eqäkeÀesCe kesÀ meeLe efvepeer efveJesMe ieefleefJeefOe keÀes ce]peyetle keÀjves kesÀ efue³es, Fme keÀoce keÀes he´sefjle efkeÀ³ee~
DeejyeerDeeF& ves JewOeeefvekeÀ lejuelee Devegheele (SmeSueDeej)keÀes nj kewÀueW[j efleceener ceW 25 DeeOeej DebkeÀeW lekeÀ keÀce keÀjves keÀe HewÀmeuee efue³ee,peye
lekeÀ efkeÀ SmeSueDeej vesì ef[ceeb[ Deewj ìeFce uee³eefyeefueìer]pe (Sve[erìerSue) kesÀ 18.00… lekeÀ veneR hengb®e peeleer, leeefkeÀ SmeSueDeej keÀes SuemeerDeej
kesÀ DeeJeM³ekeÀleevegmeej mebjsefKele jKee pee meJeÀs~ peveJejer 2019 keÀer efleceener ceW 25 DeeOeej DebkeÀeW keÀer henueer keÀìewleer ngF&~
*) cegêemHeÀerefle
osMe ceW, Je<e& kesÀ oewjeve Kegoje cegêemHeÀerefle keÀe heefj¢M³e meeceev³e leewj hej efiejeJeì kesÀ ceeie& hej Lee~ cee®e& 2019 ceW DeefKeue Yeejleer³e meeceev³e
GheYeesÊeÀe cetu³e met®ekeÀebkeÀ (meerheerDeeF&) cegêemHeÀerefle 2.86… Leer, peye efkeÀ cee®e& 2018 ceW ³en 4.30… Leer~ KeeÐe Deewj hes³e heoeLe& ceW efiejeJeì, pees
efkeÀ Je<e& kesÀ ueieYeie heeb®e cenerveeW kesÀ oewjeve keÀer DehemHeÀerefle keÀes oMee&leer nw, kesÀ keÀejCe Kegoje cegêemHeÀerefle keÀer efiejeJeì keÀes yeæ{eJee efceuee~
ñeesle : DeejyeerDeeF&.
8
8
efJeÊeer³e Je<e& Deheúw e - cee®e& 2018-19 ceW meb®e³eer meerheerDeeF& cegêemHeÀerelf e efJeÊeer³e Je<e& Deheúw e-cee®e& 2017-18 keÀer leguevee ceW 3.59… mes IeìkeÀj 3.41… jn
ieF& nw~ meerheerDeeF& cegêemHeÀerefle efJeÊeer³e Je<e& 2014-15 ceW 5.90… mes ueieeleej IeìkeÀj efJeÊeer³e Je<e& 2015-16 ceW 4.90…, efJeÊeer³e Je<e& 2016-17 ceW
4.50…, efJeÊeer³e Je<e& 2017-18 ceW 3.60… Deewj efJeÊeer³e Je<e& 2018-19 ceW 3.40… lekeÀ veer®es efiej ie³eer~
LeeskeÀ cetu³e met®ekeÀebkeÀ ([yuetheerDeeF&)DeeOeeefjle cegêemHeÀerefle 4 meeue kesÀ mlej hej 3.18… keÀer ce]peyetleer hej hengb®eer, pees efkeÀ efheíues Je<e& 2.74…
Leer, pees efkeÀ cegK³e ªhe mes heéLeefcekeÀ JemlegDeeW keÀer ]keÀercele ceW Je=ef× kesÀ keÀejCe yeæ{er~
®e) FeqkeÌJeìer SJeb $eÝCe yeepeej
SmeSb[heer yeerSmeF& meWmeskeÌme 29 cee®e&, 2019 keÀes 38,673 hej 17.30… yeæ{le hej yebo ngDee, pees efkeÀ 28 cee®e&, 2018 kesÀ meceeheve ceW 32,969
hej Lee~ hetjs Je<e& kesÀ oewjeve, ³en 32,972 mes 38,990 kesÀ yeer®e Lee~ 29 cee®e&, 2019 keÀes, efveHeÌìer 50, 14.93… keÀer yeæ{le kesÀ meeLe 11,624 hej yebo ngDee, pees
28 cee®e&, 2018 kesÀ meceeheve ceW 10,114 hej Lee~ ³en hetjs Je<e& kesÀ oewjeve 10,127 mes 11,760 kesÀ yeer®e Lee~
cee®e&, 2019 kesÀ Deble ceW, SmeSb[heer yeerSmeF& meWmeskeÌme Deewj efveHeÌìer 50 keÀe heer/F& Devegheele (cetu³e Dee³e Devegheele) ¬eÀceMeë 23.71… Deewj 29.01…
Lee, pees efkeÀ SkeÀ Je<e& henues 23.78… Deewj 24.66… Lee~
iewj-mejkeÀejer meeJe&peefvekeÀ efueefceìs[ kebÀheefve³eeW Üeje ve³es hetbpeer efveie&ceveeW keÀer mebK³ee Je<e& kesÀ oewjeve 81 mes IeìkeÀj 42 nes ieF&~ FmekesÀ DeueeJee,
pegìeF& ieF& OevejeefMe Yeer efheíues efJeÊeer³e Je<e& keÀer leguevee ceW ` 98,984 keÀjesæ[ mes IeìkeÀj ` 36,405 keÀjesæ[ nes ieF&~
c³et®egDeue HebÀ[ GÐeesie kesÀ efue³es heýebOeve kesÀ DeOeerve Deewmele heefjmebheefÊe³eeb pees efkeÀ cee®e&, 2018 ceW ` 21.36 Kejye Leer, cee®e&, 2019 kesÀ Deble lekeÀ
11.41… keÀer Je=ef× kesÀ meeLe, ` 23.80 Kejye ngF&~
í) JeweféekeÀ heefj¢M³e
2017 Deewj 2018 keÀer Meg©Deele ceW cepeyetle efJekeÀeme kesÀ he½eele, JeweféekeÀ Deee|LekeÀ ieefleefJeefOe efheíues meeue keÀer otmejer íceener ceW keÀeHeÀer Oeerceer nes ieF&,
pees hećegKe DeLe&J³eJemLeeDeeW keÀes heÝeeefJele keÀjves Jeeues keÀejkeÀeW kesÀ mebiece keÀes oMee&leer nw~ Mew[es-yeQeEkeÀie hej ueieece ueieeves kesÀ efue³es Deewj DeceefjkeÀe
kesÀ meb³egÊeÀ jep³e kesÀ meeLe J³eeheej leveeJe yeæ{ves mes DeeJeM³ekeÀ efve³eecekeÀ keÀmeeJe kesÀ meb³eespeve kesÀ yeeo ®eerve keÀer Je=ef× ceW efiejeJeì Dee³eer~ GheYeesÊeÀe
Deewj J³eeheej keÀe efJeéeeme keÀcepeesj nes peeves kesÀ keÀejCe ³etjes #es$e keÀer DeLe&J³eJemLee ves Gcceero mes DeefOekeÀ ieefle Kees oer~ Dev³e peieneW hej,peeheeve
ceW heéke=ÀeflekeÀ DeeheoeDeeW keÀer Jepen mes ieefleefJeefOe³eeB heÝeeefJele ngF&~ J³eeheeefjkeÀ leveeJe ves J³eeheeefjkeÀ-efJeéeeme hej yeæ{lee heÝeeJe [euee efpemekesÀ keÀejCe
efJeÊeer³e yeepeej keÀer eqmLeefle Kejeye nes ieF&; efpemekesÀ meeLe, Je<e& 2018 keÀer Meg©Deele ceW keÀce]peesj GYejles yeepeejeW hej, Deewj Je<e& kesÀ DeeefKej ceW GVele
DeLe&J³eJemLeeDeeW ceW efJeÊeer³e heefjeqmLeefle³eeB keÀmeves kesÀ meeLe, JeweféekeÀ ceebie hej Yeer Yeej heæ[e~
JeweféekeÀ ªhe ceW,Yeejleer³e DeLe&J³eJemLee Deheves efve<heeove ceW efheíues heeb®e Je<eeX keÀer leguevee ceW GuuesKeveer³e ªhe mes DeekeÀ<e&keÀ efoKe jner nw~
DeeF&SceSHeÀ kesÀ [sìeyesme kesÀ Devegmeej, efJeée efJekeÀeme ceW Yeejle keÀe ³eesieoeve 2000-2008 kesÀ oewjeve 7.60… mes yeæ{keÀj, 2018 ceW 14.50… nes ie³ee
nw~
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, Yeejle keÀer efve³ee&le 9.06… keÀer Je=ef× keÀj, US $ 331.02 Dejye hej hengB®eer, peye efkeÀ Dee³eele 8.99… keÀer Je=ef×
keÀj, US $ 507.44 Dejye hej hengB®eer~ efve³ee&le Deewj Dee³eele 9…(ueieYeie) kesÀ meceeve oj mes yeæ{ves kesÀ yeeJepeto, Yeejle keÀe J³eeheej Ieeìe efJeÊeer³e
Je<e& 2018-19 ceW US $ 176 Dejye kesÀ efjkeÀe@[& G®®e mlej hej hengB®e ie³ee~
31 cee®e&, 2019 lekeÀ Yeejle keÀe he´l³e#e efJeosMeer efveJesMe (SHeÀ[erDeeF&) US $ 34.6 Dejye ngDee, pees efkeÀ efheíues efJeÊeer³e Je<e& mes US $ 4.3 Dejye
keÀer Je=ef× nw~ Yeejle keÀe efJeosMeer heesì&HeÀesefue³ees efveJesMe vekeÀejelcekeÀ Lee, efpemekeÀe efJeÊeer³e Je<e& 2018-2019 lekeÀ kegÀue yeefnJee&n (vesì DeeGì-
HeÌuees) US $ 2.06 Dejye ngDee~
29 cee®e&, 2019 lekeÀ osMe keÀe efJeosMeer cegêe Deejef#ele Yeb[ej yeæ{keÀj ` 28,53,940 keÀjesæ[ nes ie³ee (US $ 411.90 Dejye)pees efkeÀ efheíues Je<e&
` 27,60,850 keÀjesæ[ Lee (US $ 424.354 Dejye)~
keWÀêer³e yepeì 2019-20 kesÀ Devegmeej, 31 cee®e&, 2019 lekeÀ Yeejle mejkeÀej keÀe yekeÀe³ee yee¿e $eÝCe ` 2.59 ueeKe keÀjesæ[ nesves keÀe Devegceeve nw~
JeeefCeeqp³ekeÀ GOeej Deewj J³eeheej pecee ceW keÀceer kesÀ keÀejCe, efomebyej, 2018 kesÀ Deble lekeÀ Yeejle kesÀ yee¿e $eÝCe ceW efiejeJeì osKeer ieF&, efpememes kegÀue
yee¿e $eÝCe US $ 521.2 Dejye nes ie³ee~
efomebyej, 2018 kesÀ Deble ceW peer[erheer Devegheele kesÀ heéfle Yeejle keÀe yee¿e $eÝCe 20.10… Lee,pees efkeÀ efomebyej 2017 kesÀ Deble ceW 19.90… Lee~
9
pe) yeercee #es$e

Yeejle ceW yeercee efve³eecekeÀ Deewj efJekeÀeme heéefOekeÀjCe DeefOeefve³ece,1999 kesÀ DeefOeefve³eceve kesÀ meeLe yeercee #es$e efvepeer Yeeieeroejer kesÀ efue³es Keesuee ie³ee
Lee~ Fme #es$e kesÀ Kegueves kesÀ yeeo mes, yeercee GÐeesie ceW Yeeie uesves JeeueeW keÀer mebK³ee Je<e& 2000 ceW meele yeercee kebÀheefve³eeW mes yeæ{keÀj, 31 cee®e&, 2018
lekeÀ 68 yeerceekeÀlee&DeeW lekeÀ hengb®e ieF&, pees peerJeve, iewj-peerJeve Deewj hegveyeeacee Kebæ[eW ceW (peerDeeF&meer-jer pewmee jeäêr³e hegveyeeaceekeÀlee& Deewj efJeMes<e
yeerceekeÀlee&, pewmes efkeÀ, SkeÌmeheesì& ¬esÀef[ì ieejbìer keÀe@heexjsMeve Deewj SieérkeÀu®ej FbM³eesjWme kebÀheveer Dee@HeÀ Fbef[³ee efueefceìs[ (SDeeF&meerDeeF&Sue) keÀe³e&
keÀj jns nQ~
Jele&ceeve ceW,Yeejle ceW 24 peerJeve yeercee kebÀheefve³eeB keÀe³e&jle nQ~ meeceves Keæ[er keÀF¥ ®egveewefle³eeW kesÀ yeeJepeto,Yeejleer³e peerJeve yeercee #es$e ves cenlJehetCe&
efJekeÀeme keÀe heóMe&ve efkeÀ³ee nw~
peerJeve yeercee GÐeesie mes mebyebefOele DeeBkeÀæ[s veer®es he´mlegle nQ:
(³es DeebkeÀæ[s Devebeflece Deewj DeuesKeehejeref#ele nQ)
¬eÀce meb. DeebkeÀæ[eW keÀe efJeJejCe 31.03.2019 31.03.2018 Je=ef× oj (…)
1. efve³eesefpele hetbpeer (Mes³ej heérefce³ece ³eefo keÀesF& nw, meefnle) 37,116 36,582 1.46
(` keÀjesæ[)
2. MeeKee keÀe³ee&ue³eeW keÀer mebK³ee 11,280 11,111 1.52
3. SpebìeW (J³eeqkeÌleiele) keÀer mebK³ee 21,94,747 20,82,668 5.38
4. he´l³e#e keÀce&®eeefj³eeW keÀer mebK³ee 2,85,019 2,65,727 7.26
5. kegÀue heefjmebheefÊe³eeb (` keÀjesæ[)( FeqkeÌJeìer efveJesMe kesÀ mecesle) 36,65,743 33,13,049 10.65
6. FeqkeÌJeìer efveJesMe (yee]peej cetu³e hej) 9,00,733 8,12,018 10.63
7. DeJemebj®evee efveJesMe (` keÀjesæ[) 3,84,262 3,76,097 2.17
8. veJeerkeÀjCe heérefce³ece (` keÀjesæ[) 2,93,741 2,64,327 11.13
efheíues efJeÊeer³e Je<e& keÀer leguevee ceW peerJeve yeerceekeÀlee&DeeW kesÀ kegÀue he´Lece Je<e& heérefce³ece ` 1,93,866 keÀjesæ[ mes 10.73… yeæ{keÀj efJeÊeer³e Je<e& kesÀ Deble,
³eeefve 31.03.2019 ceW 2,14,672.86 keÀjesæ[ ngS~ veF& hee@efueefme³eeW keÀer mebK³ee ceW efJeÊeer³e Je<e& 2017-18 ceW 2.82 keÀjesæ[ mes efJeÊeer³e Je<e& 2018-19 ceW
2.87 keÀjesæ[, ³eeefve 1.02… keÀer Je=ef× ngF&~
SueDeeF&meer ves kegÀue he´Lece Je<e& heérefce³ece ceW yee]peej efnmmes kesÀ 66.24… Deewj veF& hee@efueefme³eeW ceW 74.71… efnmmee neefmeue keÀjkesÀ yee]peej ceW Dehevee
vesle=lJe peejer jKee nw~ efveiece ves efJeÊeer³e Je<e& 2018-19 ceW ` 1.42 ueeKe keÀjesæ[ mes DeefOekeÀ ve³ee J³eJemee³e keÀj, Deheves ve³es J³eJemee³e heérefce³ece
(v³et efyepevesme heérefce³ece) ceW ueieYeie 5.68… keÀer Je=ef× ope& keÀer,pees efkeÀ efJeÊeer³e Je<e& 2017-18 ceW ` 1.34 ueeKe keÀjesæ[ Lee~
Je<e& 2017-18 keÀer DeeF&Deej[erSDeeF& keÀer Jeee|<ekeÀ efjheesì& kesÀ Devegmeej,peerJeve yeercee GÐeesie kesÀ kegÀue peerJeve efveefOe keÀe efveJesMe 31.03.2018 keÀes
` 31,89,060 jne, pees efkeÀ 31.3.2017 keÀes ` 28,54,193 keÀjesæ[ Lee, efpememes 11.74… keÀer Je=ef× ope& keÀer ieF&~ Fme he´keÀej, keÀes<e ceW Je<e& 2016-17
ceW ` 3,52,125 keÀjesæ[ keÀer Dehes#ee, Je<e& 2017-18 ceW ` 3,34,867 keÀjesæ[ keÀer Je=ef× ngF& nw~
Je<e& kesÀ oewjeve, keWÀê mejkeÀej ves ueieYeie 50 keÀjesæ[ ueesieeW keÀes ef®eefkeÀlmee Ghe®eej heóeve keÀjves kesÀ efue³es ogefve³ee keÀe meyemes yeæ[e mJeemL³e mesJee
keÀe³e&¬eÀce 'Dee³eg<³eceeve Yeejle' Megª efkeÀ³ee nw~ keWÀê mejkeÀej keÀer oes yeercee ³eespeveeSB;`heÓeeveceb$eer peerJeve p³eesefle yeercee ³eespevee' Deewj `heÓeeveceb$eer
megj#ee yeercee ³eespevee' henues mes ner osMe ceW yeercee keÀer hengB®e kesÀ meeLe-meeLe, peeieªkeÀlee HewÀuee jner nw ~ pees yeercee OeejkeÀ veneR nQ, GvekeÀes yeercee
keÀjJeeves keÀer mejkeÀej keÀer veerefle, Oeerjs-Oeerjs osMe ceW yeercee ³eespeveeDeeW keÀer hengB®e SJeb he´meej ceW Deeies yeæ{ jner nw~
DeeF&yeerF&S]HeÀ (Fbef[³eve yeéb[ FeqkeÌJeìer HeÀeGb[sMeve) Üeje efkeÀ³es ie³es efJeMues<eCe kesÀ Devegmeej,peerJeve yeercee GÐeesie keÀe YeefJe<³e, efJeefve³eecekeÀ {eb®es ceW
keÀF¥ yeoueeJeeW kesÀ meeLe, DeeMeeoe³eer nw, efpememes GÐeesie Deheves J³eJemee³e keÀe meb®eeueve keÀjves Deewj Deheves ieénkeÀeW kesÀ meeLe pegæ[ves kesÀ lejerkesÀ ceW
Deewj yeoueeJe uee³esiee~
meceie´ yeercee GÐeesie 2020 lekeÀ US $ 280 Dejye lekeÀ hengb®eves keÀer Gcceero nw~ osMe keÀe peerJeve yeercee GÐeesie Deieues leerve mes heeB®e Je<eeX kesÀ efue³es
meeueevee 12-15… yeæ{ves keÀer Gcceero nw~
10
10
pevemeebeqK³ekeÀer³e keÀejkeÀ, pewmes efkeÀ yeæ{les ceO³ece Jeie&, ³egJee yeercee ³eesi³e pevemebK³ee, Deewj megj#ee Deewj mesJeeefveJe=efÊe ³eespevee keÀer DeeJeM³ekeÀlee kesÀ
yeejs ceW yeæ{leer peeieªkeÀlee, Yeejleer³e peerJeve yeercee keÀer Je=ef× keÀe meceLe&ve keÀjWies~ DevegketÀefuele Deewj DeefYeveJe GlheeoeW hej yeæ{les efkeÀjCekesÀvê kesÀ
meeLe, meleleeJe=efÊe ceW megOeej Deepe Yeer peerJeve yeercee GÐeesie kesÀ efue³es SkeÀ yeæ[er ®egveewleer nw~
(ñeesle: Yeejleer³e yeercee efJeefve³eecekeÀ SJeb efJekeÀeme heéefOekeÀjCe,peerJeve yeercee heefj<eod, Yeejleer³e efjpeJe& yeQkeÀ, Yeejle keÀe Deee|LekeÀ meJex#eCe
2017-18, Deee|LekeÀ keÀe³e& efJeYeeie Üeje efo³es ie³es cegK³e Deee|LekeÀ mebkesÀlekeÀ, meebeqK³ekeÀer³e SJeb keÀe³e&¬eÀce keÀe³ee&vJe³eve ceb$eeue³e/keWÀêer³e meebeqK³ekeÀer
keÀe³ee&ue³e, vesMeveue mìe@keÀ SkeÌme®eWpe, Yeejleer³e heéfleYetefle SJeb efJeefvece³e yees[&, Deblejjeäêr³e cegêe keÀes<e, yee@cyes mìe@keÀ SkeÌme®eWpe, Fbef[³eve yeéb[
FeqkeÌJeìer HeÀeGb[sMeve, keWÀêer³e yepeì 2019-20, efJeée Deee|LekeÀ DeeGìuegkeÀ)
4. keÀe³e& heefjCeece :
I) veJe J³eJemee³e :
keÀ) J³eefÊeÀiele yeercee :
J³eefÊeÀiele yeercee heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
Ke) meeceev³e Jeee|<ekeÀer :
meeceev³e Jeee|<ekeÀer heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
ie) hesvMeve :
hesvMeve heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
Ie) vee@ve eEuekeÀ nsuLe :
vee@ve eEuekeÀ nsuLe heesì&HeÀesefue³ees kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
æ[) ³etefveì eEuekeÀ J³eJemee³e :
³etefveì eEuekeÀ J³eJemee³e kesÀ Devleie&le 3 Je<eeX keÀe veJe J³eJemee³e meejCeer meb. 1S ceW efo³ee ie³ee nw ~
®e) mecetn yeercee J³eJemee³e :
mecetn yeercee ³etefveì meb³egÊeÀ J³eJemee³e meefnle ³eespeveeDeeW kesÀ Devleie&le 3 Je<eeX kesÀ oewjeve efkeÀ³ee ie³ee veJe J³eJemee³e meejCeer ¬eÀ.1yeer ceW
efo³ee ie³ee nw ~
í) meeceeefpekeÀ megj#ee ³eespeveeSb :
keWÀê mejkeÀej ves 09 ceF&, 2015 keÀes efJeÊeer³e meceeJesMeve kesÀ Yeeie kesÀ ªhe ceW oes SsefleneefmekeÀ yeercee ³eespeveeDeeW veecele: heÓeeve ceb$eer peerJeve
p³eesefle yeercee ³eespevee (heerScepespesyeerJeeF&) Deewj heÓeeve ceb$eer megj#ee yeercee ³eespevee (heerSceSmeyeerJeeF&) keÀe MegYeejbYe efkeÀ³ee Lee~ Fve
³eespeveeDeeW keÀe GÎsM³e, keÀce ueeiele hej yeQkeÀeW kesÀ KeeleeOeejkeÀeW keÀes yeercee mebj#eCe GheueyOe keÀjevee nw~ heerScepespesyeerJeeF& ` 2 ueeKe keÀe
peerJeve yeercee megj#ee GheueyOe keÀjeleer nw, peyeefkeÀ heerSceSmeyeerJeeF& ` 2 ueeKe keÀe ogIe&ìvee Deewj efJekeÀueebielee yeercee GheueyOe keÀjeleer nw~
18 Je<e& (hetjs keÀj efueS ieS) Deewj 50 Je<e& (efvekeÀìlece pevce efove keÀes Dee³eg) kesÀ yeer®e kesÀ, menYeeieer yeQkeÀeW kesÀ ye®ele yeQkeÀ KeeleeOeejkeÀ,
` 330/- ©heS heéfle Je<e& kesÀ heérefce³ece hej heerScepespesyeerJeeF& kesÀ Debleie&le megj#ee kesÀ hee$e nQ~ peyeefkeÀ 18 Je<e& mes 70 Je<e& kesÀ Dee³eg mecetn
kesÀ yeQkeÀ KeeleeOeejkeÀ, meeOeejCe yeercee kebÀheveer kesÀ peefjS ` 12/- heéfle Je<e& kesÀ heérefce³ece hej heerSceSmeyeerJeeF& kesÀ Debleie&le megj#ee kesÀ hee$e
nQ~ heerScepespesyeerJeeF& Deewj heerSceSmeyeerJeeF& kesÀ Debleie&le, yeercee megj#ee SkeÀ efkeÀHeÀe³eleer heérefce³ece hej pevelee kesÀ meYeer JeieeX keÀes GheueyOe
keÀje³ee ie³ee nw~ Fve ³eespeveeDeeW kesÀ Debleie&le heérefce³ece, mJe³eb KeeleeOeejkeÀeW Üeje Jenve efkeÀ³ee peelee nw Deewj FmekeÀer heérefce³ece jeefMe
DebMeoelee Üeje efo³es ie³es ceW[sì (mJeIees<eCee) kesÀ DeeOeej hej GvekesÀ yeQkeÀ Keelee mes keÀeì ueer peeleer nw ~
ªheebleefjle heÓeeveceb$eer peerJeve p³eesefle yeercee ³eespevee
veF& ³eespeveeDeeW heÓeeve ceb$eer peerJeve p³eesefle yeercee ³eespevee Deewj heÓeeve ceb$eer megj#ee yeercee ³eespevee kesÀ MegYeejbYe kesÀ meeLe Yeejle mejkeÀej
Üeje ³en efveCe&³e efue³ee ie³ee nw efkeÀ 01.06.2017 mes Deece Deeoceer yeercee ³eespevee (SSyeerJeeF&) keÀer meYeer ceewpetoe ³eespeveeDeeW keÀes heÓeeve
ceb$eer peerJeve p³eesefle yeercee ³eespevee (heerScepespesyeerJeeF&)/ heÓeeve ceb$eer megj#ee yeercee ³eespevee (heerSceSmeyeerJeeF&) ceW ªheebleefjle keÀj efo³ee
peeS~
11
SSyeerJeeF& kesÀ ceewpetoe meom³eeW keÀes oes YeeieeW ceW efJeYeeefpele keÀj efo³ee ie³ee nw DeLee&led 18 mes 50 Je<e& Dee³eg mecetn kesÀ meom³e Deewj 51
Je<e& mes 59 Je<e& Dee³eg mecetn kesÀ meom³e~ 18 Je<e& mes 50 Je<e& Dee³eg mecetn kesÀ meom³eeW Jeeuee Yeeie heerScepespesyeerJeeF&/ heerSceSmeyeerJeeF& ceW
ªheebleefjle keÀj efo³ee ie³ee nw~ 51 Je<e& mes 59 Je<e& Dee³eg mecetn kesÀ meom³eeW Jeeuee Yeeie, SSyeerJeeF& kesÀ ceewpetoe HeÀecexì ceW peejer jnsiee~
18 mes 50 Je<e& kesÀ Dee³eg mecetn kesÀ meom³eeW keÀes ` 330/- ©heS heéfle ceeme kesÀ heérefce³ece hej heerScepespesyeerJeeF& kesÀ Debleie&le ` 2 ueeKe
keÀe yeercee peesefKece GheueyOe keÀje³ee peelee nw~ ³es meom³e ` 12/- ©heS heéfle Je<e& kesÀ heérefce³ece hej ogIe&ìvee Deewj efJekeÀueebielee yeercee
kesÀ efueS heerSceSmeyeerJeeF& kesÀ Debleie&le Yeer yeerefcele efkeÀS peeSbies~ Fme ³eespevee keÀes, kesÀJeue ` 342/- ©heS kesÀ Jeee|<ekeÀ heérefce³ece kesÀ meeLe
'ªheebleefjle heerScepespesyeerJeeF&/ heerSceSmeyeerJeeF&' keÀe veece efo³ee ie³ee nw~
51 Je<e& mes 59 Je<e& kesÀ Dee³eg mecetn ceW SSyeerJeeF& kesÀ ceewpetoe ueeYeieéner ªheebleefjle SSyeerJeeF& ³eespevee kesÀ Debleie&le ` 200/- keÀer Jele&ceeve
heérefce³ece oj kesÀ meeLe ceewpetoe yeercee ueeYe heéhle keÀjles jnWies~
ªheebleefjle heerScepespesyeerJeeF& ³eespevee kesÀ Debleie&le heérefce³ece keÀe 50 heéfleMele DeLee&le ` 171/- jep³e mejkeÀej/ SpeWmeer/ menkeÀejer
meefceefle Üeje Jenve efkeÀ³ee peelee nw Deewj Mes<e 50 heéfleMele DeLee&le ` 171/-, Yeejleer³e peerJeve yeercee efveiece Üeje jKeer ieF& meeceeefpekeÀ
megj#ee efveefOe kesÀ peefjS keWÀê mejkeÀej Üeje Jenve efkeÀ³ee peelee nw~
meYeer Ghe³eg&ÊeÀ meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le kegÀue 4.48 keÀjesæ[ J³eefÊeÀ yeerefcele efkeÀS ieS nQ~ meYeer meeceeefpekeÀ megj#ee
³eespeveeDeeW kesÀ Debleie&le kegÀue 1,33,731 oeJeeW kesÀ Debleie&le ` 1,559.98 keÀjesæ[ keÀer OevejeefMe keÀe Yegieleeve efkeÀ³ee ie³ee nw~
ÒeOeeveceb$eer peve Oeve ³eespevee (heerScepes[erJeeF& ³eespevee)
heÓeeve ceb$eer peve Oeve ³eespevee keÀe MegYeejbYe 28.08.2014 keÀes efkeÀ³ee ie³ee Lee pees Megª ces heeB®e Je<e& kesÀ efueS Lee ~ Fme ³eespevee kesÀ Debleie&le
yeQkeÀ Keeles Keesues ieS Les Deewj KeeleeOeejkeÀeW keÀes ueeYe efoS ieS Les~ Fve ueeYeeW ceW mes SkeÀ nw Yeejleer³e peerJeve yeercee efveiece kesÀ ceeO³ece mes
efkeÀmeer Yeer keÀejCe mes ce=l³eg nesves hej ` 30,000/- ©heS keÀe peerJeve yeercee peesefKece GheueyOe keÀjevee~ Fme ³eespevee ces meeOeejCe yeercee
kebÀheefve³eeW kesÀ ceeO³ece mes mejkeÀej Üeje ` 1 ueeKe keÀe ogIe&ìvee yeercee peesefKece Yeer GheueyOe keÀje³ee ie³ee nw ~
efkeÀmeer Yeer keÀejCe mes ce=l³eg nesves hej ` 30,000/- keÀe peerJeve yeercee peesefKece keÀe ueeYe heéhle keÀjves kesÀ efue³es yeerefcele keÀer Dee³eg 18 mes 59
Je<e& kesÀ yeer®e nesveer ®eeefnS Deewj Jen 15.08.2014 mes 31.01.2015 kesÀ yeer®e heerScepes[erJeeF& ³eespevee ces Meeefceue nesvee/nesveer ®eeefnS leLee
Gmes SkeÀ JewOe Deewj he´®eefuele ªhes keÀe[& OeejkeÀ nesvee ®eeefnS~ Fmeces yeerefcele keÀe peesefKece 31.03.2020 lekeÀ GheueyOe nw ~
(mejkeÀejer efoMeeefveoxMeeW Deewj GheyebefOele hee$elee ceeheob[eW keÀer Mele& kesÀ DeOeerve)
pe) he´Lece yeercee :
efveiece keÀer veerefle³eeW kesÀ lenle DeefOekeÀ mes DeefOekeÀ ueesieeW keÀes yeercee megj#ee heóeve keÀjves kesÀ heefjhes#³e ceW Ssmes ueesieeW hej p³eeoe O³eeve efo³ee
peelee nw efpevekeÀe hetJe& ceW keÀesF& Yeer yeercee veneR nw~ efJeÊeer³e Je<e& 2018-19 ceW 189.99 ueeKe J³eefÊeÀ³eeW keÀe henueer yeej yeercee keÀje³ee ie³ee,
efpevekeÀer kegÀue yeercee jeefMe ` 4,86,599.39 keÀjesæ[ Leer peyeefkeÀ FmekesÀ henues Je<e& 2017-18 ceW 189.86 ueeKe hee@efuemeer³eeW kesÀ Devleie&le
kegÀue yeercee jeefMe ` 4,63,435.29 keÀjesæ[ Leer~ kegÀue yeercee kesÀ Devegheele ceW he´Lece yeercee keÀe Devegheele hee@efuemeer ceW 88.76… leLee yeercee jeefMe
ceW 84.61… nw~
Pe) ieéceerCe yeercee hej efJeMes<e he´³eeme :
peerJeve yeercee keÀe mebosMe ieéceerCe #es$e, efJeMes<eleë efheíæ[s SJeb otjmLe #es$eeW ceW he´meeefjle keÀjves kesÀ efvejblej SJeb me®esle he´³eeme efkeÀS pee
jns nw~ FmekesÀ heefjCeece mJeªhe Fve #es$eeW ceW veJe J³eJemee³e ceW ueieeleej Je=ef× nes jner nw~ DeeFDeej[erSDeeF keÀer Devegceesefole ieéceerCe/
meeceeefpekeÀ #es$e keÀer heefjYee<ee kesÀ Devleie&le, efJeÊeer³e Je<e& 2018-19 ceW ieéceerCe #es$e mes kegÀue 47,47,694 hee@efuemeer³eeB peejer keÀj kegÀue
` 91,094.95 keÀjesæ[ yeercee jeefMe keÀe J³eJemee³e efkeÀ³ee ie³ee, pees kegÀue hee@efuemeer mebK³ee SJeb yeercee jeefMe kesÀ ¬eÀceMe: 22.18… SJeb 15.84…
efnmmes keÀes oMee&lee nw~
II) efJeefYeVe ÞesefCe³eeW ceW ®eeuet J³eJemee³e :
keÀ) J³eefÊeÀiele yeercee :
J³eefÊeÀiele yeercee heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw~
12
12
(Ke) meeceev³e Jeee|<ekeÀer :

meeceev³e Jeee|<ekeÀer heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw~
(ie) hesvMeve :
hesvMeve heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw~
(Ie) vee@ve eEuekeÀ nsuLe :
vee@ve eEuekeÀ nsuLe J³eJemee³e kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw~
([) ³etefveì eEuekeÀ J³eJemee³e :
³etefveì eEuekeÀ J³eJemee³e heesì&HeÀesefue³ees kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3S ceW efo³ee ie³ee nw~
(®e) mecetn yeercee J³eJemee³e :
³etefveì eEuekeÀ J³eJemee³e meefnle mecetn yeercee kesÀ Debleie&le efheíues 3 Je<eeX keÀe ®eeuet J³eJemee³e meejCeer meb. 3yeer ceW efo³ee ie³ee nw~
5. hetbpeer cees®eve leLee efveeq½ele Jeee|<ekeÀer J³eJemee³e :
31 cee®e& 2019 lekeÀ 426 efveeq½ele Jeee|<ekeÀer hee@efueefme³eeB ` 128.63 ueeKe Jeee|<ekeÀ Jeee|<ekeÀer kesÀ efueS ®eeuet Leer~ 7,745 hetBpeer efJecees®eve hee@efueefme³eeB ` 18,140.88
ueeKe yeercee Oeve kesÀ efueS ®eeuet Leer ~
6. hee@efueefme³eeW kesÀ meebefJeefOekeÀ efJeJejCe :
yeercee DeefOeefve³ece, 1938 kesÀ Debleie&le efo³es ie³es he´he$e `[er[er' kesÀ Devegmeej efJeJejCe meejCeer meb.4 ceW meeqcceefuele efkeÀS ieS nQ ~
7. mebieþveelceJeÀ {eb®ee :
Yeejle ceW eqmLele keÀe³ee&ue³e :
31 cee®e&, 2019 keÀes cegbyeF&, efouueer, keÀesuekeÀelee, ®esVeF&, nwojeyeeo, keÀevehegj, Yeesheeue leLee heìvee eqmLele 8 #es$eer³e keÀe³ee&ue³e nQ ~ 113 ceC[ue keÀe³ee&ue³e leLee
2,048 MeeKee keÀe³ee&ue³e 1,481 mewìsueeF&ì keÀe³ee&ue³e leLee 1,200 efceveer keÀe³ee&ue³e nQ ~ ceC[ue keÀe³ee&ue³e ieefleefJeefOe³eeW keÀes ceeefveìj SJeb efve³ebef$ele keÀjles nQ~
MeeKee keÀe³ee&ue³e J³eJemee³e heéhle keÀjles nQ Deewj meYeer ieénkeÀ FvìjHesÀme uesve osve kesÀ efueS GÊejoe³eer nesles nQ ~ mewìsueeF&ì keÀe³ee&ue³e Yeer J³eJemee³e heéhle
keÀjles nQ leLee DeeJeM³ekeÀ MeerIe´ ieénkeÀ mesJee kesÀ efueS GÊejoe³eer nesles nQ ~ efceveer keÀe³ee&ue³e yeercee peeieªkeÀlee Deewj he´JesMe kesÀ he´meej kesÀ GÎsM³e mes 10,000
³ee DeefOekeÀ keÀer Deeyeeoer kesÀ meeLe Yeejle kesÀ meYeer MenjeW ceW efJeÊeceb$eer kesÀ yepeì 2013-14 kesÀ Devegmeej Keesues ieS nQ ~ efceveer keÀe³ee&ue³e DeeJeM³ekeÀ lelkeÀeue
ieénkeÀ mesJeeDeeW kesÀ efueS efpeccesoej nQ~
8. peerJeve efveefOe, DeefOeMes<e leLee heóÊe keÀj :
peerJeve efveefOe, cetu³e efveOee&jCe DeefOeMes<e leLee kesÀvê mejkeÀej kesÀ efnmmes ceW nj Je<e& meIeveleehetJe&keÀ Je=eqOo nes jner nw ~ Je<e& 2016-17, 2017-18 leLee 2018-19
mes mebyebefOele DeebkeÀæ[s meejCeer meb. 5 ceW efoS ieS nQ ~
13
9. efJeheCeve ieefleefJeefOe³eeb
1) efJeÊeer³e Je<e& 2018-19 ceW efveiece Üeje J³eefÊeÀiele veJe J³eJemee³e ceW 2,14,03,905 hee@efueefme³eeW kesÀ Debleie&le ` 41,086.31 keÀjesæ[ jeefMe keÀer he´Lece
heérefce³ece Dee³e hetefjle keÀer ieF&~ hee@efuemeer mebK³ee ceW 85.62… leLee he´Lece heérefce³ece Dee³e ceW 86.96… yepeì ue#³e keÀer heéeqhle ngF&~ heÓeeveceb$eer Je³e
Jebovee ³eespevee kesÀ Debleie&le 1,94,418 hee@efueefme³eeW hej ` 12,997.43 keÀjesæ[ keÀer heérefce³ece Dee|pele keÀer ieF& ~ DeefYekeÀjCe Yeleea ceW efveiece Üeje 30,418
DeefYekeÀlee&DeeW keÀer Meg× Je=ef× ope& keÀer ieF& ~~
2018-19 kesÀ oewjeve ®ewveue- Devegmeej J³eefÊeÀiele veJe J³eJemee³e keÀe efJeJejCe
J³eJemee³e hee@efueefme³eeW keÀer mebK³ee (ueeKe ces) he´Lece Je<e& heérefce³ece Dee³e ( ` keÀjesæ[ ces)
heejbheefjkeÀ 177.68 42,712.18
yeQeEkeÀie SJeb JewkeÀequhekeÀ ceeO³ece 2.30 1,345.67
hećegKe peerJeve yeercee meueenkeÀej (meerSueDeeF&S) 27.19 6,160.62
he´l³e#e efJeheCeve 0.69 772.86
met#ce yeercee 6.18 20.83
kegÀue 214.04 51,012.16
keÀ) yeQkesÀM³eesjsvme SJeb JewkeÀequhekeÀ heĆeeueer :
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, yeQkeÀSM³eesjWme SJeb JewkeÀequhekeÀ heĆeeueer kesÀ ceeO³ece mes nceves 2,30,287 hee@efueefme³eeB leLee ` 1,345.67 keÀjesæ[ he´Lece
Je<eea³e heérefce³ece Dee³e (he´.Je.heér.Dee³e) hetCe& efkeÀ³ee~ kegÀue henueer heérefce³ece Dee³e (J³eefÊeÀiele yeercee) kesÀ efueS yeQkeÀ SM³eesjWme SJeb JewkeÀequhekeÀ heĆeeueer
heérefce³ece keÀer heéfleMele efnmmesoejer Je<e& kesÀ oewjeve 3.23… Leer~
Jele&ceeve ceW, ®ewveue keÀe 12 meeJe&peefvekeÀ #es$e yeQkeÀes, 6 efvepeer yeQkeÀes, 18 #es$eer³e ieéceerCe yeQkeÀes, 41 menkeÀejer yeQkeÀes Deewj 1 efJeosMeer yeQkeÀ kesÀ meeLe
ieþpeesæ[ nw~ leLee 64 keÀe@heexjsì SpeWì SJeb 83 yeercee efJeheCeve HeÀce& (DeeF&.Sce.SHeÀ.) Yeer jesue hej nQ~ 7 veS yeQkeÀ, 12 keÀe@heexjsì SpeWì leLee 20 yeercee
efJeheCeve HeÀce& (DeeF&.Sce.SHeÀ.) Je<e& kesÀ oewjeve efve³egÊeÀ efkeÀS ieS nQ~
Je<e& kesÀ oewjeve yeQkeÀes ves 1,90,423 hee@efueefme³eeB Deewj ` 1,269.38 keÀjesæ[ he´.Je.heér.Dee³e hetCe& keÀjkesÀ kegÀue yeQkeÀ SMegjWme SJeb JewkeÀequhekeÀ heĆeeueer kesÀ
hee@efueefme³eeB ces 82.69… Deewj he´.Je.heér.Dee³e ces 94.33… keÀe ³eesieoeve efo³ee~ Dev³e keÀe@heexjsì SpeWìes ves 37,168 hee@efueefme³eeB kesÀ meeLe ` 46.01 keÀjesæ[
he´.Je.heér.Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee~ yeéskeÀjeW ves 1,611 hee@efueefme³eeB kesÀ meeLe ` 19.64 keÀjesæ[ he´.Je.heér.Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee~
DeeF&.Sce.SHeÀ. ves 1,085 hee@efueefme³eeB kesÀ meeLe ` 10.64 keÀjesæ[ he´.Je.heér.Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee~
107 yeQkeÀ MeeKeeDeeW ves ` 1 keÀjesæ[ ³ee Gmemes p³eeoe he´.heér.Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee ~ 248 yeQkeÀ MeeKeeDeeW ves, Je<e& kesÀ oewjeve, ` 50
ueeKe mes ` 99 ueeKe lekeÀ he´.heér.Dee³e keÀe ve³ee J³eJemee³e hetCe& efkeÀ³ee~
Ke) he´l³e#e efJeheCeve :
he´l³e#e efJeheCeve ®ewveue keÀer mLeehevee Deiemle 2009 ceW ngF&~ Fme ®ewveue keÀer Meg©Deele 6 FkeÀeF&³eeW kesÀ meeLe ng³eer Leer~ Jele&ceeve ceW ®ewveue 119 FkeÀeF&³eeW
kesÀ meeLe mechetCe& osMe ceW keÀe³e&jle nw~
J³eeJemeeef³ekeÀ Glheeove, efJe¬eÀ³e heéf¬eÀ³ee keÀer efveiejeveer Deewj J³eeheej heéf¬eÀ³ee nsleg veF& heĆeeefue³eeW kesÀ Üeje DeheÝeeefJele yeepeej lekeÀ hengB®eves Deewj
ieénkeÀeW, efJeMes<ele³ee lekeÀveerkeÀer ªhe mes DeÐeleve ³egJee Jeie& Deewj G®®e Dee³e Jeie& J³eefÊeÀ³eeW keÀes yesnlej ¬eÀ³e DevegYeJe heóeve keÀjves kesÀ GÎsM³e mes Fme
ceeO³ece keÀes Megª efkeÀ³ee ie³ee~
efJeÊe Je<e& 2018-19 ceW ®ewveue ves 68,843 hee@efueefme³eeW kesÀ Debleie&le ` 767.98 keÀjesæ[ he´Lece heérefce³ece Dee³e keÀe veJe J³eJemee³e efkeÀ³ee~
®ewveue kesÀ efJeues heeuex eqmLele ef[mìvme ceekexÀeEìie keWÀê Üeje Dee@veueeFve kesÀ ceeO³ece mes efJeÊe Je<e& 2018-19 ceW SveheerSme SJece Dev³e Dee@veueeFve
GlheeoeW kesÀ Debleie&le 19,303,hee@efueefme³eeW leLee ` 274.88 keÀjesæ[ he´Lece heérefce³ece Dee³e keÀe veJe J³eJemee³e efkeÀ³ee~
14
14
Jele&ceeve ceW SueDeeF&meer keÀe F& - ìce& (Dee@veueeFve ìce& hueeve), peerJeve De#e³e - @ (lelkeÀeue Jeee|<ekeÀer ³eespevee), heÓeeve ceb$eer Je³e Jebovee ³eespevee
(<@@X) (Jeefjÿ veeieefjkeÀeW kesÀ efueS Jeee|<ekeÀer ³eespevee), SueDeeF&meer keQÀmej keÀJej (keQÀmej kesÀ efueS megj#ee), SueDeeF&meer keÀer peerJeve Meebefle
(lelkeÀeue SJece efJeueeqcyele Jeee|<ekeÀer ³eespevee) Deewj SueDeeF&meer keÀer veJepeerJeve (ye®ele yeæ{leer megj#ee kesÀ meeLe) Fl³eeefo Glheeo Dee@veueeFve Kejero
kesÀ efueS GheueyOe nQ
Fme ®ewveue kesÀ GoosMeeW keÀes Deeies yeæ{eves nsleg efoveebkeÀ 01.04.2015 mes ®eer]HeÀ Dee@iee&veeFmej (SueDeeF&meer [e³ejskeÌì) ³eespevee, 2015 keÀe MegYeejbYe
efkeÀ³ee ie³ee~ 2018-19 kesÀ Deble ceW kegÀue 1,009 ®eer]HeÀ Dee@ie&veeFmej keÀe³e&jle Les efpevnesves mJe³eb kesÀ SpeWmeer kesÀ Debleie&le kegÀue ` 165.01 keÀjesæ[ he´Lece
heérefce³ece Dee³e keÀe ³eesieoeve efo³ee leLee ` 282.27 keÀjesæ[ (31,795 hee@efueefme³eeB) keÀe ³eesieoeve GvekesÀ mecetn kesÀ meghejJeeFm[ [erSmeS Üeje efkeÀ³ee
ie³ee~
ie) mJeemL³e yeercee :
Je<e& 2018-19 kesÀ oewjeve, mJeemL³e yeercee #es$e ceW 2,62,906 mJeemL³e yeercee hee@efueefme³eeB efJe¬eÀ³e keÀeR, efpevemes ` 99.07 keÀjes[ ªhe³es keÀer he´Lece
heérefce³ece Dee³e Dee|pele keÀer nw~
mJeemL³e yeercee efJeYeeie ves HeÀjJejer 2008 mes, nwojeyeeo ceW Dehevee keÀe³e& heéjcYe efkeÀ³ee Lee, efpemekeÀe GÎsM³e Lee~ mJeemL³e yeercee kesÀ efJeMeeue yeepeej
ceW Deheveer hee@efueefme³eeW leLee mesJeeDeeW kesÀ peefjS Dehevee efJemleej keÀjvee~ 31.03.2019 lekeÀ nceves 31,48,622 ueesieeW keÀes mJeemL³e yeercee hee@efueefme³eeW
mes keÀJej efkeÀ³ee nw~
Jele&ceeve ceW nce oes mJeemL³e yeercee Glheeo ’peerJeve Deejesi³e“ (leeefuekeÀe mebK³ee 904) pees efoveebkeÀ 16.11.2013 keÀes heéjbYe keÀer ieF& leLee ’keQÀmej
keÀJej“ (leeefuekeÀe mebK³ee 905) pees efoveebkeÀ 14.11.2017 keÀes heéjbYe keÀer ieF&, keÀe efJeheCeve keÀj jns nQ~ oesveeW ner ³eespeveeSb J³eefÊeÀ³eeW keÀes efveeq½ele
efnleueeYe heóeve keÀjleer nQ~
Fme Je<e& kesÀ oewjeve heéhle 19,895 oeJeeW hej efveCe&³e efoS ieS leLee efoveebkeÀ 31.03.2019 keÀes yekeÀe³ee oeJes Metv³e efkeÀS ieS ~ Fme Je<e& kesÀ oewjeve
mJeemL³e yeercee oeJeeW kesÀ efveheìeve kesÀ efueS ` 35.54 keÀjes[ ªhe³es keÀer OevejeefMe keÀe Yegieleeve efkeÀ³ee ie³ee~ 1,869 heefjhekeÌJelee oeJeeW kesÀ efveheìeve
kesÀ efueS ` 15.36 keÀjes[ ªhe³es keÀer OevejeefMe keÀe Yegieleeve efkeÀ³ee ie³ee Lee~
Ie) met#ce yeercee :
met#ce yeercee J³eJemee³e efJeOee Üeje efJele Je<e& 2018-19 ces 6,17,653 hee@efueefme³eeB, ` 13.05 keÀjesæ[ he´Lece heérefce³ece Dee³e kesÀ meeLe hetCe& keÀer ieF& ~ Fme
efJeOee kesÀ mLeehevee kesÀ yeeo mes Deye lekeÀ 2.03 keÀjesæ[ hee@efueefme³eeW keÀe megj#ee mebj#eCe heóeve keÀj meceepe kesÀ Deuhe Dee³e SJeb Deuhe-megefJeOee heéhle
pevemecetn keÀes ueeYeeeqvJele efkeÀ³ee ie³ee nw ~ efJeÊe Je<e& 2018-19 ceW hee@efueefme³eeW keÀer mebK³ee efkeÀ ¢eqä ³en Yeejleer³e peerJeve yeercee efveiece kesÀ kegÀue veJe
J³eJemee³e keÀe 2.89… nw~
met#ce yeercee hee@efuemeer³eeW keÀe efJe¬eÀ³e efJelejCe Jeeefnveer kesÀ ceeO³ece mes efkeÀ³ee peelee nw efpemeces iewj-mejkeÀejer mebieþve (Sve.peer.Dees.),mJe³eb mesJeer
mebieþve(Sme.S®e.peer.), met#ce efJeÊe mebmLee(Sce.SHeÀ.DeeF),efveiee|cekeÀ DeefYekeÀlee&, ®e³eefvele heejbheefjkeÀ DeefYekeÀlee&,yeéskeÀme&, efpeuee menkeÀejer
yeQkeÌme([er.meer.yeer.), Deeb®eefuekeÀ ieéceerCe yeQkeÌme (Deej.Deej.yeer.), Menjer menkeÀejer yeQkeÀ (³et.meer.yeer.), heéLeefcekeÀ ke=Àef<e menkeÀejer meefceefle³eeb
(heer.S.meer.Sme.), Dev³e menkeÀejer meefceefle³eeb (meer.Sme.), yeQeEkeÀie mecheke&ÀkeÀlee&(yeer.meer.) Deewj efkeÀmeeve GlheeokeÀ kebÀheefve³eeb (SHeÀ.heer.meer.)
Meeefceue nQ ~ efoveebkeÀ 31.03.2019 keÀes 19,926 met#ce yeercee DeefYekeÀlee& ef¬eÀ³eeMeerue nQ~
met#ce yeercee J³eJemee³e efJeOee Üeje efoveebkeÀ 18.02.2019 keÀes SueDeeF&meer keÀer ceeF¬eÀes ye®ele, Sb[e@ceWì hueeve kesÀ heéjcYe nesves mes, Deye 3 peerJeve Glheeo
yes®es pee jns nQ~ ceewpetoe oes Glheeo ìce& SM³eesjWme hueeve, SueDeeF&meer keÀer Yeei³e ue#ceer Deewj SueDeeF&meer keÀer v³et peerJeve cebieue nQ~
efJeÊe Je<e& 2018-19 ceW 202 ieécees keÀes ’Sce DeeF& yeercee ieéce / mecegoe³e“ ³eespevee kesÀ lenle ’ceOegj yeercee ûeece“ Ieesef<ele efkeÀ³ee ie³ee nw ~ Fme ³eespevee
kesÀ Debleie&le ieéce keÀes efJekeÀemeesvcegKe ieefleefJeefOe³eeW kesÀ efueS Fme #es$e kesÀ efveOee&efjle hee@efueefme³eeb hetCe& nesves hej Deee|LekeÀ heéslmeenve jeefMe heóeve efkeÀ³ee
peelee nw ~
efJele Je<e& 2018-19 kesÀ heéjcYe ces 4,470 heérefce³ece hee@Fbì Les ~ efJele Je<e& 2018-19 kesÀ oewjeve 71 veS heérefce³ece hee@Fbì efve³egÊeÀ efkeÀS ieS ~ Deye met#ce
yeercee hee@efuemeerOeejkeÀ kegÀue 4,541 met#ce yeercee heérefce³ece hee@Fbìes hej efjv³etJeue heérefce³ece pecee keÀje mekeÀles nQ ~ efveiece kesÀ meYeer MeeKee F&ueekeÀeW ces
met#ce yeercee heérefce³ece hee@Fbì GheueyOe nQ ~
heérefce³ece hee@Fbìdme Deewj meerSmemeer heesì&ue kesÀ ceeO³ece mes kegÀue 14,93,210 hee@efueefme³eeW ceW kegÀue ` 33.67 keÀjesæ[ efjv³etJeue heérefce³ece mebień ngDee
15
efpemekeÀer Je=ef× efheíues Je<e& keÀer leguevee ceW 21.99… nw pees efkeÀ kegÀue efjv³etJeue heérefce³ece uesveosve keÀe 52.36… nw ~ met#ce yeercee J³eJemee³e efJeOee Üeje
Je<e& 2018-19 ceW kegÀue ` 145.32 keÀjesæ[ efjv³etJeue heérefce³ece SkeÀ$e efkeÀ³ee ie³ee~
[.) Glheeo efJekeÀeme:
Yeejleer³e peerJeve yeercee efveiece meceepe kesÀ efJeefYeVe ieénkeÀ JeieeX keÀer DeeJeM³ekeÀlee keÀer hete|le kesÀ efueS efJemle=le efJeefJeOe Glheeo heóeve keÀjlee nw~
Fme Je<e& kesÀ oewjeve efveiece ves 5 GlheeoeW keÀes he´mlegle/ mebMeesefOele efkeÀ³ee nw~ FveceW leerve ve³es J³eefÊeÀiele Glheeo pewmes `Sue.DeeF&.meer. keÀer peerJeve
Meebefle', `Sue.DeeF&.meer. keÀer ceeF¬eÀes ye®ele', `Sue.DeeF&.meer. keÀer veJepeerJeve', SkeÀ ve³ee mecetn yeercee Glheeo `heÓeeveceb$eer Þece³eesieer ceeveOeve
³eespevee' leLee `heÓeeveceb$eer Je³e Jebovee ³eespevee' keÀe mebMeesOeve Meeefceue nQ~
efJeÊeer³e Je<e& 2018-19 kesÀ Deble leJeÀ efveiece kesÀ heele 32 k³eefkeÌleiele Glheeo, 13 mecetn Glheeo Deewj 7 jeF[j efkeJeÏÀer kesÀ efueS GheueyOe nQ ~
í) Jeefjÿ J³eJemee³e men³eesieer (SmeyeerS)
Jeefjÿ J³eJemee³e men³eesieer ³eespevee Je<e& 2009 ces efJekeÀeme DeefOekeÀeefj³eeB kesÀ Glke=Àä heóMe&ve keÀes O³eeve ces jKeles ngS leLee efveiece kesÀ mlej hej
Gvns SkeÀ efJeefMeä hen®eeve osves kesÀ GÎsM³e mes Megª keÀer ieF& Leer~ Fme ³eespevee kesÀ Debleie&le Jewmes efJekeÀeme DeefOekeÀeefj³eeB keÀes kegÀí efveeqM®ele MeleeX kesÀ
lenle efJeÊeer³e Deewj iewj efJeÊeer³e uesve-osve kesÀ efueS DeefOeke=Àle efkeÀ³ee ie³ee nw~
Jele&ceeve Sme.yeer.S. ³eespevee 18.12.2017 ces mebMeesefOele keÀer ieF& nw~ Fme mebMeesOeve kesÀ Debleie&le he´JesMe kesÀ efueS hee$elee Melex leLee ³eespevee ces yeves jnves
keÀer MeleeX ces yeoueeJe efkeÀ³ee ie³ee nw~
Sme.yeer.S. keÀes veJeerkeÀjCe heérefce³ece Deewj veS he´mleeJeeW hej pecee uesves kesÀ efueS DeefOeke=Àle efkeÀ³ee ie³ee nw pees Jen Deheves keÀe³ee&ue³e efpemes ueeFHeÀ hueme
Yeer keÀne peelee nw, hej mebieńerle keÀjlee nw~ Sme.yeer.S. "/"kesÀ Üeje SkeÀ efveeqM®ele meercee lekeÀ veS he´mleeJeeW keÀes hetCe& keÀj mekeÀles nw leLee hee@efuemeer
mes mebyeeqvOele kegÀí efveeq½ele mesJeeDeeW keÀes Yeer heóeve keÀj mekeÀles nQ~
31.03.2019 keÀes Sme.yeer.S. keÀer kegÀue mebK³ee 3,474 Leer leLee FvekesÀ keÀe³e&jle DeefYekeÀlee&DeeW keÀer mebK³ee 2,82,025 Leer~ efJeÊeer³e Je<e& 2018-19
ces Sme.yeer.S. Üeje 56,16,973 veF& hee@efuemeer leLee ` 10,415.08 keÀjesæ[ keÀe he´Lece heérefce³ece Dee³e heéhle efkeÀ³ee ie³ee~ Sme.yeer.S. keÀer Deewmele
GlheeokeÀlee Je<e& kesÀ oewjeve 1,617 hee@efuemeer leLee ` 299.80 ueeKe he´Lece heérefce³ece Dee³e jner~ efveiece kesÀ kegÀue veF& hee@efuemeer leLee he´Lece heérefce³ece Dee³e
ces FvekeÀe ³eesieoeve ¬eÀceMeë 26.24… leLee 25.35… jne~ efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve Sme.yeer.S. Üeje GvekesÀ ueeFHeÀ hueme Dee@efHeÀme ces
efkeÀS ieS uesve osve keÀer mebK³ee 2.92 keÀjesæ[ Leer efpemekesÀ lenle Gvnesves ` 15,128.95 keÀjesæ[ keÀer jeefMe mebieńerle keÀer~
SueDeeF&meer SmeesefmeSìdme mkeÀerce (efuekeÀe)
peerJeve yeercee efveiece men³eesieer ³eespevee (&) efoveebkeÀ 01.04.2016 mes heÝeeJeer nw leLee FmekeÀer Meg©Deele efveiece kesÀ Jewmes Sme.yeer.S. keÀes heéslmeeefnle
keÀjves leLee GvekeÀer efJeheCeve #ecelee keÀe ueeYe GvekeÀer mesJeeefveJe=efle kesÀ he½eele Yeer Gþeves kesÀ GosM³e mes efkeÀ³ee ie³ee nw efpevnesves Deheveer mesJee kesÀ
oewjeve Glke=Àä heóMe&ve efkeÀ³ee nw~ ³en SkeÀ mebefJeoe DeeOeeefjle ³eespevee nw efpemeces Sme.yeer.S. heéjcYe ces leerve Je<eeX kesÀ efueS mebefJeoe hej jKes peeles
nw leLee Gvns hegveë oes Je<eex keÀe efJemleej efo³ee pee mekeÀlee nw~ efuekeÀe (&) DeefYekeÀlee&DeeW keÀer efve³egefÊeÀ leLee Deheves mebieþve ces hetJe& mes keÀe³e&jle
Jewmes DeefYekeÀlee& pees GvekesÀ & yeveves kesÀ yeeo Yeer GvekesÀ meeLe keÀe³e&jle nw, kesÀ heéfMe#eCe leLee GvekesÀ veJe J³eJemee³e heóMe&ve kesÀ efueS ef]peccesJeej
nw~ & keÀes veJeerkeÀjCe heérefce³ece Deewj veS he´mleeJeeW hej pecee uesves kesÀ efueS DeefOeke=Àle efkeÀ³ee ie³ee nw pees Jen Deheves keÀe³ee&ue³e efpemes ’yeercee
JeÀvewJeÌì“ Yeer keÀne peelee nw, hej mebieńerle keÀjlee nw~ 31.03.2019 keÀes peerJeve yeercee efveiece men³eesieer(&) keÀer kegÀue mebK³ee 90 leLee FvekesÀ
meeLe keÀe³e&jle DeefYekeÀlee&DeeW keÀer mebK³ee 7,785 Leer~ efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve peerJeve yeercee efveiece men³eesieer (&) Üeje 1,28,421 veF&
hee@efuemeer leLee ` 292.48 keÀjesæ[ keÀe he´Lece heérefce³ece Dee³e heéhle efkeÀ³ee ie³ee~
2. DeefYekeÀlee& :
keÀ) DeefYekeÀlee&DeeW keÀer mebK³ee :
nceejs kegÀue DeefYekeÀlee&DeeW keÀer mebK³ee 31.03.2019 keÀes 11,79,229 nw pees efkeÀ iele Je<e& 31.03.2018 keÀes 11,48,811 Leer~ efveiece kesÀ 31.03.2019
keÀes meef¬eÀ³e DeefYekeÀlee&DeeW keÀer mebK³ee 10,69,816 nw efpemekeÀer leguevee ceW iele Je<e& 31.03.2018 keÀes meef¬eÀ³e DeefYekeÀlee&DeeW keÀer mebK³ee 10,71,945
Leer~
16
16
Ke) DeefYekeÀlee& keÌueye meom³elee :

G®®e mlej hej keÀe³e& keÀjves Jeeues DeefYekeÀlee&DeeW keÀes Glmeeefnle keÀjves leLee ceev³elee heóeve keÀjves nsleg efJeefYeVe keÌueyeeW keÀe efvecee&Ce efkeÀ³ee ie³ee nw~
efJeefYeVe keÌueyeeW keÀer meom³elee keÀe efJeJejCe {ZåZefueefKele leeefuekeÀe ces efo³ee ie³ee nw :
efJeefYeVe keÌueye mlejeW kesÀ meom³e
keÌueye kesÀ veece meom³elee Je<e&
2018-19 2017-18 2016-17
keÀe@heexjsì 243 191 167
iewuekeÌmeer 953 623 426
DeO³e#e 40,245 39,411 39,249
#es$eer³e heýebOekeÀ 31,854 31,562 31,323
ceC[ue heýebOekeÀ 53,527 53,504 53,871
MeeKee heýebOekeÀ 42,565 45,380 50,561
efJeefMeä DeefYekeÀlee& 18,117 13,078 12,500
kegÀue 1,87,501 1,83,749 1,88,097
ie) Je=efÊekeÀ DeefYekeÀlee& ³eespevee :
efveiece ceW DeefYekeÀlee& yeue kesÀ J³eJemee³eerkeÀjCe keÀes GVele keÀjeves nsleg veiejer³e Je=efÊekeÀ Deewj ieéceerCe Je=efÊekeÀ DeefYekeÀlee& ³eespevee nw~ J³eJemee³e ceW
eqmLejlee heéhle keÀjeves nsleg keÀefj³ej keÀer Meg©Deele ceW Gvns Je=efÊekeÀe oer peeleer nw~ 31 cee®e& 2019 keÀes efveiece ceW 4,605 veiejer³e Je=efÊekeÀ DeefYekeÀlee&
Deewj 61,142 ieéceerCe Je=efÊekeÀ DeefYekeÀlee& nw~
meYeer efJekeÀeme DeefOekeÀeefj³eeW keÀes Je=efÊekeÀ DeefYekeÀlee& Yeleea keÀjves keÀe DeJemej osves kesÀ efueS Je<e& 2010 ceW Menjer Je=efÊekeÀ DeefYekeÀlee& ³eespevee keÀe DeejcYe
efkeÀ³ee ie³ee Lee~ 31 cee®e& 2019 keÀes efveiece ceW 29,756 Menjer Je=efÊekeÀ DeefYekeÀlee& nw~
Ie) cegK³e peerJeve yeercee meueenkeÀej ³eespevee, 2008 :
Yeejleer³e peerJeve yeercee efveiece ves mebieþveelcekeÀ Je=eqOo nsleg efJeÐeceeve G®®emlej keÀe keÀe³e& keÀjvesJeeues DeefYekeÀlee&DeeW keÀer #eceleeDeeW keÀes Ghe³eesie ceW
ueeles ngS DeefOekeÀeefOekeÀ DeefYekeÀlee&DeeW keÀes Yeleea keÀj yeepeej ceW Deheves ceÔlJe keÀes Je=eÅOoiele keÀjves kesÀ GÎsMe mes efoveebkeÀ 12.04.2008 keÀes cegK³e
peerJeve yeercee meueenkeÀej ³eespevee, 2008 keÀe DeejbYe efkeÀ³ee~ efveiece ves ³eespevee kesÀ i³eejnJes Je<e& 2018-19 ceW 22,224 ef¬eÀ³eeMeerue cegK³e peerJeve
yeercee meueenkeÀejeW kesÀ he³e&Jes#eCe ceW jns 1,74,884 met®eeryeOo DeefYekeÀlee&DeeW kesÀ peefj³es 27,18,905 (12.43… Je=eqOo) hee@efueefme³eeW hej ` 5307.95
keÀjesæ[ (-1.89… Je=eqOo) kesÀ he´Lece efheéfce³ece keÀe pecee efkeÀ³ee~ ®ewveue keÀe Mes³ej hee@efueefme ceW iele Je<e& 31.03.2018 kesÀ 11.35… keÀer leguevee ceW Fme
Je<e& 12.70… Deewj efheéfce³ece ceW iele Je<e& 31.03.2018 kesÀ 12.60… keÀer leguevee ceW Fme Je<e& 12.92… jne~
cegK³e peerJeve yeercee meueenkeÀejeW keÀer eqmLeefle yeæ{eves kesÀ efueS Deewj GvekesÀ yeer®e J³eeJemeeef³ekeÀlee ueeves kesÀ efueS meerSueDeeF&S efyeíes[ kesÀ ®eej mlej
hesMe efkeÀS ieS Les~ meom³elee Je<e& 2018-19 kesÀ efueS 954 jpele efyeíes[ kesÀ meom³e, 1,244 mJeCe& efyeíes[ kesÀ meom³e, 1,256 [e³eceb[ efyeíes[ meom³e
Deewj 346 huewefìvece efyeíes[ kesÀ meom³e nQ~ kegÀue efyeíes[ meom³e 3,800 nQ~
[) heéefOeke=Àle DeefYekeÀlee& :
efheéfce³ece Yegieleeve SJeb mesJee ceW DeefOekeÀ megefJeOeeDeeW kesÀ efueS ieénkeÀeW keÀer yeæ{leer ngF& Dehes#eeDeeW kesÀ Deveg©he, efheéfce³ece hee@F¥ìme kesÀ peefjS veefJekeÀjCe
efheéfce³ece keÀer Jemegueer keÀjves nsleg, efveiece ves ®egefvevoe DeefYekeÀlee&DeeW keÀes heéefOeke=Àle efkeÀ³ee nw~ 31.03.2019 lekeÀ osMeYej ceW Ssmes ’efheéfce³ece hee@F¥ìme“
keÀer meb]K³ee 34,818 nw~ Fve heéefOeke=Àle DeefYekeÀlee&DeeW Üeje ` 44,106.88 keÀjesæ[ kesÀ veJeerkeÀjCe efheéfce³ece pecee efkeÀ³ee ie³ee , efpevneWves Yeejleer³e
peerJeve yeercee efveiece kesÀ ieénkeÀeW keÀes ` 8.98 keÀjesæ[ veJeerkeÀjCe efheéfce³ece jmeeroW peejer keÀeR~ Fme lejn mes veJeerkeÀjCe efheéfce³ece ceW 7.06… Deewj
veJeerkeÀjCe efheéfce³ece jmeeroeW keÀer mebK³ee ceW 1.47… keÀer Je=ef× ngF&~ Fve efheéfce³ece hee@F¥ìme kesÀ ceeO³ece mes kegÀue mebieéfnle efheéfce³ece keÀe 23.97… efheéfce³ece
mebef®ele efkeÀ³ee ie³ee~
17
3. efJeÊeer³e Je<e& 2019-20 kesÀ efueS ³eespevee ë

efJeÊeer³e Je<e& 2019-20 mes veJe J³eJemee³e meceer#ee nsleg he´Lece Je<e& efjv³egDeue heérefce³ece Je he´Lece Je<e& heérefce³ece Dee³e keÀes Meeefceue efkeÀ³ee ie³ee nw~ efveiece
keÀer efJeÊeer³e Je<e& 2019-20 kesÀ efueS veJe J³eJemee³e keÀer ³eespevee efvecveevegmeej nw:
efJeÊeer³e Je<e& 2019-20 kesÀ efueS yepeì
kegÀue hee@efueefme³eeB (keÀjesæ[ ces) 2.50
eEmeieue heérefce³ece (` keÀjesæ[ ces) 25,000
vee@ve eEmeieue heérefce³ece (` keÀjesæ[ ces) 20,200
he´Lece Je<e& efjv³egDeue heérefce³ece (` keÀjesæ[ ces) 11,300
kegÀue heérefce³ece (` keÀjesæ[ ces) 56,500
10. efJeosMeer he´®eeueve :
keÀ) efJeosMeer MeeKeeSB :
efveiece Dehevee yeercee J³eJemee³e efHeÀpeer (megJee SJeb ueewìgkeÀe) , ceesjerMeme ( heesì& uetF&) Deewj ³et.kesÀ.(Jescyues) eqmLele MeeKeeDeeW Üeje
keÀj jne nw ~ efJeosMeer MeeKeeDeeW Üeje Je<e& 2017-18 kesÀ oewjeve kegÀue 14,284 heeefueefme³eeB peejer keÀer, efpevekeÀer kegÀue heérefce³ece Dee³e
` 370.27 keÀjesæ[ nw~
Ke) efJeosMeer meb³egÊeÀ kebÀheveer :

Sue DeeF& meer (FbìjvewMeveue) yeer.Sme.meer.(meer), yenjerve:-
Sue DeeF& meer (FbìjvewMeveue) yeer.Sme.meer.(meer), yenjerve, Yeejleer³e peerJeve yeercee efveiece leLee cesmeme& FvìjkeÀesue keÀe meb³egÊeÀ GÎ³ece nw~ Fme keÀer
mLeehevee Kee[er osMeeW ces keÀe³e&jle DeefveJeemeer Yeejleer³eeW kesÀ peerJeve yeercee keÀer DeeJeM³ekeÀlee keÀer hete|le kesÀ efueS 23 pegueeF& 1989 keÀes ngF& Leer ~ ³en
kebÀheveer DecejerkeÀer [euej ceW heeefueefmeîee@ peejer keÀjleer nw ~ kebÀheveer yenjerve, kegÀJewle, ³eg.S.F&. (ogyeF& Deewj Deyeg Oeeyeer)keÀleej SJeb Deesceeve Fve heeB®e
Keeæ[er osMees ceW keÀe³e&jle nw ~ 31.12.2018 keÀes meceehle Je<e& ceW kebÀheveer ves ` 1,930.27 keÀjesæ[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer~
Sue DeeF& meer (vesheeue) efueefceìs[,vesheeue :-
26 efomecyej 2000 keÀes Yeejleer³e peerJeve yeercee efveiece ves vesheeue kesÀ DeieĆeer DeewÎesefiekeÀ mecetn efJeMeeue ie´the leLee vesheeue keÀer he´pee kesÀ meeLe meb³egÊeÀ
GÎ³ece - Sue DeeF& meer (vesheeue) heéjbYe efkeÀ³ee ~ ³en kebÀheveer vesheeue mìekeÀ SkeÌm®eWpe hej met®eerye× nw ~ Fme kebÀheveer ves 15 pegueeF& 2018 keÀes meceehle
Je<e& ceW ` 653.67 keÀjesæ[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer ~
Sue DeeF& meer (uebkeÀe) efueefceìs[, uebkeÀe :-
Sue DeeF& meer (uebkeÀe) efueefceìs[, Yeejleer³e peerJeve yeercee efveiece leLee yeeì&ueerì ìêvmekewÀefheìue efueefceìs[ kesÀ meb³egÊeÀ GÎ³ece mes ÞeeruebkeÀe ceW efoveebkeÀ
1 cee®e& 2003 keÀes Meg© ngF& Leer ~ 31.12.2018 keÀes meceehle Je<e& ceW kebÀheveer ves ` 20.47 keÀjesæ[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer~
kesÀve Feqv[³ee SM³eeWjsvme kebÀheveer efueefceìs[,kesÀv³ee :-
Yeejleer³e peerJeve yeercee efveiece, meeOeejCe yeercee efveiece SJeb Dev³e kesÀ menYeeefielee ceW meb³egÊeÀ yeercee GÐece - kesÀve Feqv[³ee SM³eeWjsvme kebÀheveer efueefceìs[
keÀer mLeehevee efoveebkeÀ 06 efomecyej 1978 keÀes kesÀefve³ee ces keÀer ieF& kesÀve Feqv[³ee kebÀheveer peerJeve Deewj meeOeejCe yeercee oesveeW kesÀ J³eeheej ceW keÀe³e&jle nw
~ 31.12.2018 keÀes meceehle Je<e& ceW kebÀheveer ves ` 478.23 keÀjes[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer~
meToer Fbef[³eve kebÀheveer ]HeÀe@j keÀesDee@hejsefìJe FvM³eesjsvme (Sme.DeeF&.meer.meer.DeeF&):-
Yeejleer³e peerJeve yeercee efveiece , SueDeeF&meer (FCìjvewMeveue) yeer.Sme.meer.(meer), yenjerve, v³et Feqv[³ee SM³eeWjvme kebÀheveer efueefceìs[, Dev³e SJeb
meToer Dejsefye³ee kesÀ ueesieeW kesÀ yeer®e SkeÀ meb³egÊeÀ GÎ³ece nw~ meToer Fbef[³eve kebÀheveer ]HeÀe@j keÀesDee@hejsefìJe FvM³eesjsvme keÀer mLeehevee efoveebkeÀ 17
pegueeF&, 2007 keÀes keÀer ieF&~ Yeejleer³e peerJeve yeercee efveiece Deewj SueDeeF&meer (FCìjvewMeveue) yenjerve he´l³eskeÀ keÀer Mes³ej menYeeefielee 4.9… nw ~
kebÀheveer peerJeve Deewj meeOeejCe yeercee oesveeW kesÀ J³eeheej ceW keÀe³e&jle nw ~
18
18
peerJeve yeercee efveiece (Sue DeeF& meer) yeebiueeosMe efueefceìs[, yeebiueeosMe :-

peerJeve yeercee efveiece (Sue DeeF& meer) yeebiueeosMe efueefceìs[, Yeejleer³e peerJeve yeercee efveiece, mì^sìeref]pekeÀ FeqkeÌJeìer cewvespeceQì efueefceìs[ Deewj c³et®egDeue
ì^mì yeQkeÀ efueefceìs[ kesÀ meb³egÊeÀ GÐece mes yeebiueeosMe ceW efoveebkeÀ 14 efomecyej 2015 keÀes kebÀheveer DeefOeefve³ece 1994 SkeÌìY@kesÀ lenle mLeehevee
keÀer ieF& nw~ 31.12.2018 keÀes meceehle Je<e& ceW kebÀheveer ves ` 6.76 keÀjes[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer~
ie) efJeosMeer hetCe& mJeeefcelJe Jeeueer mene³ekeÀ kebÀheveer:
peerJeve yeercee efveiece (eEmeieehegj heéFJesì efueefceìs[), eEmeieehegj:-
Yeejleer³e peerJeve yeercee efveiece keÀer hetCe& mJeeefcelJe Jeeueer mene³ekeÀ kebÀheveer, peerJeve yeercee efveiece (eEmeieehegj(heéFJesì efueefceìs[ keÀer mLeehevee efoveebkeÀ
30.4.2012 keÀes eEmeieehegj ceW keÀer ieF&~ 31.12.2018 keÀes meceehle Je<e& ceW kebÀheveer ves ` 68.10 keÀjesæ[ keÀer kegÀue vesì heérefce³ece Dee³e Dee|pele keÀer~
11. ieénkeÀ mebyebOe heýebOeve (ieé.meb.he´.)
oeJeeW keÀe efveheìeve :
ieénkeÀ keWÀefêle mebieþve kesÀ ªhe ceW, nceeje ncesMee mes ³en he´³eeme jne nw efkeÀ nce Deheves oeJee efveheìeve efve<heeove kesÀ ceevekeÀ ceW yeæ{eslejer keÀjW~
Je<e& kesÀ oewjeve, efveiece ves ` 1,63,104 keÀjesæ[ kesÀ 259.54 ueeKe oeJeeW keÀe (met#ce yeercee Deewj heWMeve SJeb mecetn ³eespeveeDeeW meefnle) efveheìeve efkeÀ³ee ~ efheíues
leerve Je<eeX kesÀ efueS oeJeeW kesÀ efveheìeve mebyebOeer DeebkeÀæ[s veer®es efoS ieS nQ~
Je<e& efveheìeS ieS heefjhekeÌJelee oeJes efveheìeS ieS ce=l³eg oeJes
mebK³ee jeefMe Deoe keÀer ie³eer mebK³ee jeefMe Deoe keÀer ie³eer
(ueeKe ceW) (` keÀjesæ[.) heéfleMele (mebK³ee ceW) (ueeKe ceW) (` keÀjesæ[.) heéfleMele (mebK³ee ceW)
2016-17 205.11 99,109.66 97.20 10.47 13,581.14 98.71
2017-18 267.36 1,17,888.30 95.50 10.09 14,283.15 98.55
2018-19 249.62 1,45,636.06 92.95 09.92 17,468.43 98.27
Deeieeceer Je<eeX ceW Yeer nceeje HeÀeskeÀme oeJeeW kesÀ me-mece³e efveheìeve hej yevee jnsiee~
SveF&SHeÀìer (vesHeÌì) kesÀ ceeO³ece mes hee@efuemeer Yegieleeve :
2018-19 oewjeve, SueDeeF&meer ves ` 1,64,857.20 keÀjesæ[ keÀer jeefMe kesÀ efueS 3.51 keÀjesæ[ hee@efueefme³eeW keÀe Yegieleeve vesHeÌì (vesMeveue FueskeÌìê@efvekeÀ HebÀ[
ìêbmeHeÀj) Üeje efkeÀ³ee, pees kegÀue Yegieleeve keÀe 96.26… nw~
Jeee|<ekeÀer Yegieleeve :
Jeee|<ekeÀer hee@efueefme³eeb ye=×eJemLee ceW megjef#ele Deewj ieejbìerke=Àle efjìve& kesÀ GÎsM³e keÀes hetje keÀjleer nQ~ nceejs heeme 32.85 ueeKe hee@efueefme³eeb nQ, efpeveceW Jeee|<eefkeÀ³eeW
keÀe Yegieleeve efkeÀ³ee pee jne nw~ Fve Jeee|<ekeÀer hee@efueefme³eeW keÀer mesJee keÀe O³eeve jKeves kesÀ efueS 8 #es$eer³e cegK³eeue³eeW Deewj 3 ceb[ue keÀe³ee&ue³eeW, DeLee&le
Denceoeyeeo, yeWieuegª Deewj keÀesuekeÀelee ceW mecee|hele J³eefÊeÀiele heWMeve (DeeF&heerheer) keÀ#eeW keÀer mLeehevee keÀer ieF& nw~ Jeee|<eefkeÀ³eeW keÀe Yegieleeve vesHeÌì/F&meerSme kesÀ
ceeO³ece mes meerOes Jeee|<ekeÀerieéner kesÀ yeQkeÀ Keeles ceW efkeÀ³ee peelee nw~
oeJee efJeJeeo efveJeejCe meefceefle
efveiece Üeje heéfle Je<e& yeæ[er mebK³ee ceW ce=l³eg oeJeeW keÀe efveheìeve efkeÀ³ee peelee nw~ kesÀJeue cenlJehetCe& SJeb DeeJeM³ekeÀ peevekeÀejer kesÀ keÀheìhetCe& oceve kesÀ ceeceues ceW
oeJes keÀes DemJeerkeÀej efkeÀ³ee peelee nw~ DemJeerke=Àle ce=l³eg oeJeeW keÀe heéfleMele yengle keÀce nw~ Ssmes ceeceueeW ceW Yeer, oeJesoej keÀes efveJesove keÀjves keÀe DeJemej heóeve
efkeÀ³ee peelee nw, efpeme hej #es$eer³e keÀe³ee&ue³e Deewj keWÀêer³e keÀe³ee&ue³e keÀer oeJee efJeJeeo efveJeejCe meefceefle³eeW Üeje efJe®eej efkeÀ³ee peelee nw~ Ssmeer meceer#ee kesÀ
heefjCeece mJeªhe, he´l³eskeÀ ceeceues keÀer ³eesi³elee kesÀ DeeOeej hej, Gef®ele efveCe&³e efue³ee peelee nw~ keWÀêer³e keÀe³ee&ue³e SJeb #es$eer³e keÀe³ee&ue³eeW ceW oeJee efJeJeeo
efveJeejCe meefceefle³eeW kesÀ Dev³e meom³eeW ceW SkeÀ mesJeeefveJe=Êe G®®e v³ee³eeue³e / efpeuee v³ee³eeue³e kesÀ v³ee³eeOeerMe nesles nQ~
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keÀe@ue meWìj mesJeeSb :

SueDeeF&meer keÀe keWÀêerke=Àle keÀe@ue meWìj 29 efmelecyej, 2018 mes ef¬eÀ³eeeqvJele ngDee~ Fme ceW 022-68276827 ³en SkeÀue ¬eÀceebkeÀ he´³egÊeÀ nw, pees eEnoer Deewj Debie´speer
ceW 24ƒ7 keÀe³e&jle jnlee nw~ Je<e& 2018-19 kesÀ oewjeve kegÀue 40 ueeKe keÀe@ue heéhle ngS~ FveceW mes 76… keÀe@ume DeeF&JeerDeejSme kesÀ ceeO³ece mes Deewj 24…
keÀe@ume, keÀe@ue meWìj SpeWìeW kesÀ ceeO³ece mes heéhle ngS~ ieénkeÀ meblegeqä jseEìie 1 peveJejer, 2019 mes DeejbYe ngDee~ 2018-19 kesÀ efueS 1-5 ÞesCeer keÀe ieénkeÀ
meblegeqä jseEìie 31 cee®e&, 2019 keÀes 4.32 hej Lee~ keÀe@ue meWìj heýevOekeÀeW Üeje DeìsC[ efkeÀS ieS kesÀJeue 9.28… keÀe@ume keÀes Deieues meceeOeeve nsleg SueDeeF&meer
nsuhe[smkeÀ keÀes Yespee ie³ee, Mes<e 90.72… keÀe@ume keÀes keÀe@ue meWìj ceW ner meceehle efkeÀ³ee ie³ee~
ieénkeÀ #es$e (keÀmìcej peesvme):
hetjs Yeejle ceW kegÀue 73 ieénkeÀ #es$e keÀe³e&jle nQ, pees “GlJeãÀøì DevegYeke“ keÀes efJeMes<e cenlJe osles ngS ieénkeÀeW keÀer mesJee-mebyebOeer meYeer DeeJeM³ekeÀleeDeeW kesÀ
meceeOeeve kesÀ efueS ``Jeve-mìehe meWìj'' kesÀ ªhe ceW keÀe³e& keÀjles nQ~
SueDeeF&meer nsuhe :
neue kesÀ mece³e ceW SueDeeF&meer keÀer “SueDeeF&meer nsuhe“ henue ueeskeÀefhe´³e ngF& nw~ hee@efuemeerOeejkeÀeW keÀes “SueDeeF&meer nsuhej hee@efuemeer ve.“ ìeF&he keÀjkesÀ Jen
9222492224 ¬eÀceebkeÀ hej SmeSceSme keÀjvee neslee nw~ hee@efuemeerOeejkeÀ keÀes FmekeÀer heéeqhle keÀer mJeerke=Àefle osles ngS meboYe& ¬eÀceebkeÀ kesÀ meeLe SkeÀ SmeSceSme heéhle
neslee nw Deewj efMekeÀe³ele/he´Mve kesÀ meceeOeeve nsleg ieénkeÀ #es$e kesÀ keÀce&®eejer Üeje ieénkeÀ mes mebheke&À efkeÀ³ee peelee nw~ efMekeÀe³ele meceeOeeve kesÀ he´l³eskeÀ ®ejCe hej,
hee@efuemeerOeejkeÀ keÀes SmeSceSme/F&-cesue Üeje DeÐeleve efkeÀ³ee peelee nw~ efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, kegÀue 2,81,440 SmeSceSme heéhle ngS Deewj he´MveeW
keÀe meceeOeeve lelhejlee mes efkeÀ³ee ie³ee~
ieénkeÀeW mes mebhe´s<eCe :
efpeve hee@efuemeerOeejkeÀeW kesÀ ceesyeeFue ¬eÀceebkeÀ SueDeeF&meer kesÀ DeefYeuesKeeW ceW GheueyOe nQ, GvnW 100 mes DeefOekeÀ he´keÀej kesÀ SmeSceSme Yespes pee jns nQ~ Je<e&
2018-19 kesÀ oewjeve kegÀue 102.65 keÀjesæ[ SmeSceSme Yespes ieS nQ~
cegefêle heérefce³ece veesefìmeeW keÀer meceeeqhle :
efpeve hee@efuemeerOeejkeÀeW kesÀ ceesyeeF&ue vecyej SueDeeF&meer kesÀ DeefYeuesKeeW ceW GheueyOe nQ, GvnW 01.04.2019 mes, cegefêle veJeerkeÀjCe heérefce³ece veesefìmeeW kesÀ mLeeve hej
SmeSceSme Sueì& Yespeves Jeeues nQ~ heĆeeueer ceW Ssmee heéJeOeeve efkeÀ³ee ie³ee nw efkeÀ pees ieénkeÀ veJeerkeÀjCe heérefce³ece veesefìme keÀer he´l³e#e heéfle heéhle keÀjvee ®eenles
nQ, Jes Deheves DevegjesOe keÀes ope& keÀj mekeÀles nQ Deewj leovegmeej Fve hee@efuemeerOeejkeÀeW keÀes cegefêle heérefce³ece veesefìmeW Yespeer peeleer nQ~
cetue Deewj efJeefMeä mesJeeDeeW kesÀ efueS heesì&ue hej hebpeerke=Àle ieénkeÀ :
cetue mesJeeDeeW kesÀ efueS heesì&ue hej hebpeerke=Àle ieénkeÀ

01.04.2018 mes 31.03.2019 lekeÀ 01.02.2016 mes 31.03.2019 lekeÀ
ieénkeÀ hee@efueefme³eeB ieénkeÀ hee@efueefme³eeB
33,01,786 51,97,332 1,23,81,054 2,50,64,979
efJeefMeä mesJeeDeeW kesÀ efueS heesì&ue hej hebpeerke=Àle ieénkeÀ

01.04.2018 mes 31.03.2019 lekeÀ 01.02.2016 mes 31.03.2019 lekeÀ
ieénkeÀ hee@efueefme³eeB ieénkeÀ hee@efueefme³eeB
24,406 43,099 3,41,651 9,11,808
20
20
heérefce³ece Yegieleeve kesÀ efueS JewkeÀequhekeÀ ceeO³eceë

SueDeeF&meer efJeefYeVe JewkeÀequhekeÀ ®ewveueeW kesÀ peefj³es heérefce³ece Yegieleeve keÀer megefJeOee heóeve keÀjleer nw, efpememes ieénkeÀ osMeYej ceW keÀYeer Yeer Deewj keÀneR Yeer heérefce³ece
keÀe Yegieleeve keÀj mekeÀles nQ ~ JewkeÀequhekeÀ ®ewveueeW ceW (S) yeQkeÀ keÀes mLee³eer efveoxMe (yeer) ¬esÀef[ì/[sefyeì keÀe[& (meer) vesì yeQeEkeÀie megefJeOee ([er) DeeF&SceheerSme
(F&) heéefOeke=Àle mebkeÀueve keWÀêeW hej peekeÀj ieénkeÀeW Üeje vekeÀo ³ee ®eskeÀ Üeje Yegieleeve keÀe meceeJesMe nw~
Jesleve ye®ele ³eespevee (SmeSmeSme) kesÀ Debleie&le ve Deeves Jeeueer ®eeuet hee@efueefme³eeW kesÀ efueS efJeefYeVe JewkeÀequhekeÀ ®ewveueeW Üeje heérefce³ece keÀe Yegieleeve efkeÀ³ee pee
mekeÀlee nw ~ Je<e& 2018-19 kesÀ efueS, efveiece kesÀ kegÀue veJeerkeÀjCe heérefce³ece kesÀ 56.42… J³eJenej leLee 49.92… heérefce³ece jeefMe JewkeÀequhekeÀ ®ewveueeW kesÀ ceeO³ece
mes mebkeÀefuele keÀer ieF& ~
heérefce³ece mebkeÀueve kesÀ efueS GheueyOe JewkeÀequhekeÀ ®ewveue efvecveJele nQ :
De) Dee@HeÀueeF&ve Yegieleeve ceeO³eceë
1) vesMeveue Dee@ìescesìs[ eqkeÌue³eeEjie neGme (vew®e) - 8 veJecyej, 2016 mes SueDeeF&meer ceW heéjcYe keÀer ieF& ³en megefJeOee, yeQkeÀ kesÀ efueS
mLee³eer efveoxMeeW kesÀ ceeO³ece mes keÀesj yeQeEkeÀie kesÀ SveheermeerDeeF& huesìHeÀece& hej mechetCe& Yeejle ceW GheueyOe nw ~ Yeejleer³e peerJeve yeercee efveiece
ves heérefce³ece keÀìewleer kesÀ F&meerSme cees[ kesÀ Debleie&le hebpeerke=Àle meYeer ceewpetoe hee@efueefme³eeW keÀes vew®e cees[ ceW Debleefjle keÀj efo³ee nw~
2) FueskeÌìê@efvekeÀ efyeue he´mlegeflekeÀjCe Deewj Yegieleeve (F&yeerheerheer) - heérefce³ece keÀe Yegieleeve keÀeheexjsMeve yeQkeÀ, DeeF&meerDeeF&meerDeeF&
yeQkeÀ, HesÀ[jue yeQkeÀ Deewj SeqkeÌmeme yeQkeÀ keÀer JesyemeeF&ì hej hebpeerkeÀjCe kesÀ Üeje efkeÀ³ee pee mekeÀlee nw~ Dev³e yeQkeÀeW kesÀ efueS, ³en megefJeOee
efyeue [smkeÀ Deewj FbpesefvekeÀes ie´ghe (ìskeÀ heésmesme) mesJee heóeleeDeeW kesÀ ceeO³ece mes hetjs osMeYej ceW ueieYeie meYeer yeQkeÀeW ceW GheueyOe nw~
SueDeeF&meer c³eg®egDeue HebÀ[ kesÀ efveJesMekeÀ Deewj SueDeeF&meer ¬esÀef[ì keÀe[&OeejkeÀ mebyebefOele keÀe³ee&ue³eeW ces ceW[sì HeÀece& he´mlegle keÀjkesÀ
heérefce³ece keÀe Yegieleeve keÀj mekeÀles nQ~
meeceev³e ceeefmekeÀ, vew®e Deewj Jesleve ye®ele ³eespevee ceeO³ece mes heérefce³ece keÀe Yegieleeve keÀer peevesJeeueer hee@efueefme³eeW kesÀ DeueeJee Dev³e meYeer ®eeuet
hee@efueefme³eeW (³etefuehe, mJeemL³e Deewj F&-ìce& yeercee keÀes íesæ[keÀj) kesÀ efueS heérefce³ece mebkeÀueve keÀer megefJeOee F&yeerheerheer kesÀ Debleie&le GheueyOe nw~ ieénkeÀeW
keÀes GvekesÀ hebpeerke=Àle F&-cesue DeeF&[er hej F&-jmeeroW he´sef<ele keÀer peeleer nQ~
ye) Dee@veueeF&ve Yegieleeve ceeO³eceë
3) ieénkeÀes kesÀ heesì&ue Yegieleeve iesìJesë heérefce³ece, hee@efuemeer $eÝCe/y³eepe Deewj Deefieće heérefce³ece keÀe Dee@veueeF&ve Yegieleeve vesì yeQeEkeÀie
megefJeOee, F& Jewuesìdme, [sefyeì keÀe[dme&, ³etheerDeeF&/Yeerce kesÀ ceeO³ece mes SueDeeF&meer keÀe JesyemeeFì hej efve:MegukeÀ efkeÀ³ee
pee mekeÀlee nw ~ ¬esÀef[ì keÀe[& J³eJenejeW kesÀ efueS MeleX ueeiet nQ~
4) yeQkeÀeW kesÀ ceeO³ece mes heérefce³ece mebkeÀueveë
O SseqkeÌmeme yeQkeÀë heérefce³ece keÀe Yegieleeve SeqkeÌmeme yeQkeÀ keÀer efkeÀmeer Yeer MeeKee DeLeJee efJemleeefjle keÀeGbìj hej vekeÀo DeLeJee
SeqkeÌmeme yeQkeÀ hej Deenefjle ®ewkeÀ Üeje efkeÀ³ee pee mekeÀlee nw~
O efmeìer ³etefve³eve yeQkeÀë heérefce³ece keÀe Yegieleeve efmeìer ³etefve³eve yeQkeÀ keÀer efkeÀmeer Yeer MeeKee DeLeJee efJemleeefjle keÀeGbìj hej
vekeÀo DeLeJee efmeìer ³etefve³eve yeQkeÀ hej Deenefjle ®ewkeÀ Üeje efkeÀ³ee pee mekeÀlee nw~
O DeeF&[eryeerDeeF& yeQkeÀë 28 HeÀjJejer, 2019 mes, heérefce³ece keÀe Yegieleeve DeeF&[eryeerDeeF& yeQkeÀ keÀer efkeÀmeer Yeer MeeKee DeLeJee
efJemleeefjle keÀeGbìj hej vekeÀo DeLeJee DeeF&[eryeerDeeF& yeQkeÀ hej Deenefjle ®ewkeÀ Üeje efkeÀ³ee pee mekeÀlee nw~
O ³eteuf ehe Deewj mJeemL³e yeercee hee@euf eefme³eeW kesÀ efueS heéer cf e³ece keÀe mebkeÀueve yeQkeÀeW kesÀ kewÀMe keÀeGbìjeW kesÀ ceeO³ece mes DeYeer lekeÀ meef¬eÀ³e veneR efkeÀ³ee
ie³ee nw~
5) DeefOeke=Àle efJe¬esÀlee (He´QÀ®eeFpeer) kesÀ ceeO³ece mes heérefce³ece mebkeÀueveë
efvecveefueefKele He´WÀ®eeFpeerped keÀes veJeerkeÀjCe heérefce³ece kesÀJeue vekeÀo ceW mebkeÀefuele keÀjves kesÀ efueS mJeerke=Àefle heóeve keÀer ieF& nw :
De) SheerDee@veueeF&veë DeebOe´ heósMe Deewj lesuebieevee mejkeÀej kesÀ efueS SkeÀ ef[efpeìue iesìJes~ (JesyemeeFì
)
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ye) SceheerDee@veueeF&veë ceO³eheósMe mejkeÀej kesÀ efueS SkeÀ ef[efpeìue iesìJes (JesyemeeFì< )
keÀ) megefJeOee FvHeÀesmeJe& heé. efue.ë ³en efyeueeW kesÀ mebkeÀueve keÀe DeefKeue Yeejleer³e mebkeÀueve keWÀê nw~
ìesue He´Àer nsuheueeFve vebyejë 9223225225
[) meerSmemeer F&-ieJeveXme mee|Jeme Fbef[³ee heé.efue. kesÀ ceeO³ece mes meerSmemeer keWÀê :
keÀe@ceve mee|Jemesme meWìj (meerSmemeer) ³eespevee vewMeveue F&-ieJeveXme hueeve (SveF&peerheer) keÀe SkeÀ Yeeie nw ~ hetjs osMeYej ceW
3.15 ueeKe mes DeefOekeÀ meerSmemeer kesÀvê nQ, efpeveceW mes ueieYeie 65,000 kesÀvêeW keÀes SueDeeF&meer heérefce³ece mebkeÀueve kesÀ efueS
ef¬eÀ³eeMeerue yevee³ee ie³ee nw ~ Dev³e mebkeÀueve keWÀêeW keÀes Yeer heérefce³ece mebkeÀueve kesÀ efueS ¬eÀceMe: me#ece yevee³ee pee jne nw~
O SkeÀue J³eJenej ceW kesÀJeue vekeÀo ªhe ceW ` 50,000 keÀer DeefOekeÀlece meercee lekeÀ heérefce³ece keÀe mebkeÀueve efkeÀ³ee pee mekeÀlee nw~
O mebkeÀueve keWÀêeW Üeje JewOe jmeeroW lelkeÀeue peejer keÀer peeleer nQ~
O hee@euf emeerOeejkeÀeW Üeje Fme megeJf eOee keÀe ueeYe Gþeves kesÀ efueS mebkeÀueve kesÀvê keÀes efkeÀmeer mesJee heÝeej keÀe Yegieleeve efkeÀ³ee peevee DeeJeM³ekeÀ
veneR nw~
Fme ®ewveue kesÀ ceeO³ece mes ³eteuf ehe, mJeemL³e Deewj F&-ìce& hee@euf eefme³eeW kesÀ efueS heéer cf e³ece mebkeÀueve DeYeer lekeÀ meef¬eÀ³e veneR efkeÀ³ee ie³ee nw~
O
hesìerSce De@he : 5 Dehe´wue, 2018 kesÀ heÝeeJe mes Jewuesì, vesì yeQeEkeÀie, [sefyeì keÀe[&, ¬esÀef[ì keÀe[& Deewj ³etheerDeeF&/Yeerce kesÀ Üeje hesìerSce
De@he kesÀ ceeO³ece mes heérefce³ece keÀe Yegieleeve efkeÀ³ee pee mekeÀlee nw~ JewOe heérefce³ece Yegieleeve jmeero hesìerSce De@he ceW ner “cee³e Dee@G&me&“ìwye
kesÀ Debleie&le GheueyOe nesieer ~ DeefOekeÀlece meercee heéfle J³eJenej ` 50,000/- nw~
O
Fvmìeöhes: veJeerkeÀjCe heérefce³ece kesÀ Dee@veueeF&ve Yegieleeve keÀer megefJeOee keÀes yesnlej yeveeves kesÀ efueS, pesvesefjkeÀ ìce& “Fvmìe hes meefke&me“
kesÀ Debleie&le SkeÀ veS efJekeÀuhe keÀes 11 cee®e&, 2019 mes efyeue [smkeÀ kesÀ ceeO³ece mes meceekeÀefuele efkeÀ³ee ie³ee nw, pees Yeejle ceW meYeer yeQeEkeÀie
huewìHeÀeceeX ceW GheueyOe nw ~ heérefce³ece keÀe Yegieleeve kesÀJeue vesì yeQeEkeÀie cees[ mes ner efkeÀ³ee pee mekeÀlee nw~ Jele&ceeve ceW ³en mesJee 24
Devegmetef®ele yeQkeÀeW kesÀ ceeO³ece mes Deemeeve yeveeF& ieF& nw ~ J³eJenej kesÀ meHeÀueleehetJe&keÀ hetCe& nesves kesÀ lelkeÀeue yeeo efyeue [smkeÀ Üeje JewOe
F&-jmeeroW peejer keÀer peeleer nQ~ DeefOekeÀlece meercee heéfle J³eJenej ` 50,000/- nw~
Fme ®ewveue kesÀ ceeO³ece mes ³etefuehe, mJeemL³e Deewj F&-ìce& hee@efueefme³eeW kesÀ efueS heérefce³ece mebkeÀueve DeYeer lekeÀ meef¬eÀ³e veneR efkeÀ³ee ie³ee nw~
6) Jeefjÿ J³eeJemeeef³ekeÀ men³eesefie³eeW (SmeyeerS) kesÀ ceeO³ece mes heérefce³ece mebkeÀueveë ®egeEveoe efJekeÀeme DeefOekeÀeefj³eeW, efpevnW SmeyeerS keÀne peelee
nw, keÀes Dee@veueeFve vekeÀo Deewj ®ewkeÀ oesveeW Üeje heérefce³ece mebkeÀefuele keÀjves Deewj lelkeÀeue jmeero peejer keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~
F&-ìce& keÀes íesæ[keÀj meYeer meeceev³e ®eeuet hee@efueefme³eeW kesÀ efueS heérefce³ece keÀe mebkeÀueve efkeÀ³ee pee mekeÀlee nw~ Jele&ceeve ceW, 3,913 SmeyeerS heérefce³ece
mebkeÀefuele keÀjves kesÀ efueS me#ece nQ~ GvekesÀ mebkeÀueve keWÀêeW keÀe GuuesKe “ueeFheÀ hueme“ kesÀ ªhe ceW efkeÀ³ee peelee nw~
7) DeefOekeÀej heéhle DeefYekeÀlee&DeeW kesÀ ceeO³ece mes heérefce³ece mebkeÀueveë DeefOekeÀ megefJeOeepevekeÀ mesJeeSB heéhle keÀjves kesÀ mebyebOe ceW ieénkeÀeW keÀer yeæ{leer
ngF& Dehes#eeDeeW kesÀ Devegªhe, efveiece ves ®egeEveoe DeefYekeÀlee&DeeW keÀes “heérefce³ece hee@F&ì“ veece mes peeves peevesJeeues GvekesÀ mebkeÀueve kesÀvêeW kesÀ ceeO³ece mes
veJeerkeÀjCe heérefce³ece mebkeÀefuele keÀjves kesÀ DeefOekeÀej heóeve efkeÀS nQ~ Jele&ceeve ceW, hetjs osMeYej ceW Ssmes 37,321 heéefOeke=Àle DeefYekeÀlee& nQ, pees F&-ìce&
hueeve keÀes íesæ[keÀj meYeer meeOeejCe ®eeuet hee@efueefme³eeW kesÀ efueS veieo DeLeJee ®ewkeÀ ceW heérefce³ece Jemetue keÀj mekeÀles nQ Deewj lelkeÀeue JewOe jmeero peejer
keÀj mekeÀles nQ~
8) mesJeeefveJe=Êe keÀce&®eeefj³eeW kesÀ ceeO³ece mes heérefce³ece mebkeÀueveë ®egeEveoe mesJeeefveJe=Êe SueDeeF&meer keÀce&®eeefj³eeW keÀes Yeer Dee@veueeFve heérefce³ece
mebkeÀefuele keÀjves Deewj legjble jmeero peejer keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~ Jele&ceeve ceW, hetjs osMeYej ceW 367 mesJeeefveJe=Êe keÀce&®eeefj³eeW keÀes
F&-ìce& hueeve keÀes íesæ[keÀj meYeer meeOeejCe ®eeuet hee@efueefme³eeW keÀe heérefce³ece mebkeÀefuele keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~
9) SueDeeF&meerS (SueDeeF&meer men³eesefie³eeW) kesÀ ceeO³ece heérefce³ece mebkeÀueveë SueDeeF&meerSped (mesJeeefveJe=Êe efJekeÀeme DeefOekeÀejer) keÀes Yeer ’yeercee
JeÀveskeÌì“ veecekeÀ Deheves mebkeÀueve keWÀêeW hej Dee@veueeF&ve heérefce³ece mebkeÀefuele keÀjves Deewj lelkeÀeue jmeero peejer keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee
nw ~ Jele&ceeve ceW, hetjs osMeYej ceW 121 SueDeeF&meerSped keÀes F&-ìce& hueeve keÀes íesæ[keÀj meYeer meeOeejCe ®eeuet hee@efueefme³eeW keÀe heérefce³ece vekeÀo DeLeJee
®ewkeÀ Üeje mebkeÀefuele keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~
10) cegK³e Dee@ie&veeFpejeW kesÀ ceeO³ece mes heérefce³ece mebkeÀueveë cegK³e Dee@ie&veeFpejeW keÀes Yeer Dee@veueeF&ve heérefce³ece mebkeÀefuele keÀjves Deewj lelkeÀeue
jmeero peejer keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw ~ Jele&ceeve ceW, hetjs osMeYej ceW 110 cegK³e Dee@ie&veeFpejeW keÀes F&-ìce& hueeve keÀes íesæ[keÀj meYeer
meeOeejCe ®eeuet hee@efueefme³eeW keÀe heérefce³ece vekeÀo ³ee ®ewkeÀ Üeje mebkeÀefuele keÀjves kesÀ efueS heéefOeke=Àle efkeÀ³ee ie³ee nw~
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11) SueDeeF&meer ceesyeeFue ShueerkesÀMeve: eEJe[espe Deewj Sb[ê@F[ HeÀesveeW hej [eTveuees[ keÀjves ³eesi³e SueDeeF&meer ceesyeeFue S@eqhuekesÀMeve ’cee³e
SueDeeF&meer“ kesÀ he´³eesie mes heérefce³ece keÀe Dee@veueeF&ve Yegieleeve efkeÀ³ee pee mekeÀlee nw~
12) heerDeesSme ceMeerveeW Üeje heérefce³ece keÀe Yegieleeve: : ®egefvevoe MeeKeeDeeW Deewj heéefOeke=Àle J³eeheeefj³eeW kesÀ heérefce³ece hJeeFbìeW hej ueieeS ieS heerDeesSme
ceMeerveeW hej [sefyeì keÀe[& keÀes mJeeFhe keÀjkesÀ hee@efuemeerOeejkeÀ veJeerkeÀjCe heérefce³ece keÀe Yegieleeve keÀj mekeÀles nQ~
13) i eénkeÀ heesì&ue hej leLee ceeF&SueDeeF&meer De@he kesÀ ceeO³ece mes pegueeF& 2018 mes Dee@veueeFve Deefieće heérefce³ece ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee
nw~ hee@efuemeerOeejkeÀ Jele&ceeve efJeÊeer³e Je<e& kesÀ efueS leLee Deieues efJeÊeer³e Je<e& nsleg heérefce³ece keÀer efve³ele efleefLe kesÀ hetJe& DeefOekeÀlece leerve ceen keÀer DeJeefOe
kesÀ efueS Deefieće ªhe ceW heérefce³ece pecee keÀj mekeÀlee nw ~ Deefieće heérefce³ece nsleg pecee heéeqhle jmeero oer peeleer nw~ efve³ele efleefLe keÀes, Deefieće pecee kesÀ
veeces mecee³eespeve efkeÀ³ee peelee nw Deewj hee@efuemeerOeejkeÀ Üeje hebpeerke=Àle efkeÀS ieS F&-cesue DeeF&[er hej F&-jmeero Yespe oer peeleer nw~
ieénkeÀ efMekeÀe³ele efveJeejCe :
efveiece ceW ieénkeÀeW keÀer efMekeÀe³eleeW kesÀ efveJeejCe kesÀ efueS MeeKee / ceb[ue / #es$eer³e / keWÀêer³e keÀe³ee&ue³e ceW efMekeÀe³ele efveJeejCe DeefOekeÀejer efve³egÊeÀ nQ~ GvekesÀ
veece Deewj GheueyOelee kesÀ mece³e keÀes J³eehekeÀ ªhe mes he´meeefjle mecee®eej-he$eeW ceW mece³e-mece³e hej he´keÀeefMele efkeÀ³ee peelee nw Deewj Jes nceejer JesyemeeFì hej Yeer
GheueyOe nQ~ nceejer efMekeÀe³ele efveJeejCe heĆeeueer ceW ieénkeÀ mebyebOe Deewj ieénkeÀ mesJee keÀer cetue YeeJevee Deblee|veefnle nw, efpemeceW ieénkeÀeW kesÀ meeLe mebheke&À kesÀ meYeer
efyevogDeeW hej ieénkeÀ GvcegKe keÀce&®eeefj³eeW keÀes efve³egÊeÀ keÀjves hej ]peesj efo³ee ie³ee nw ~ cewvegDeue nmle#esheeW keÀes Ieìeves Deewj efMekeÀe³eleeW keÀer mebK³ee keÀes v³etvelece
keÀjves kesÀ efueS DeeF&ìer mecee|Lele meheesì& efmemìce meb®eeefuele keÀer ieF& nw~
hee@efuemeerOeejkeÀ/oeJesoej efMekeÀe³eleeW kesÀ efveJeejCe kesÀ efueS yeercee ueeskeÀheeue mes mebheke&À keÀj mekeÀles nQ ~ ueeskeÀheeue efveOee&efjle YeewieesefuekeÀ #es$eeefOekeÀej kesÀ Debleie&le
keÀe³e& keÀjles nQ Deewj Jes oeJeeW keÀer DeebefMekeÀ / hetCe& DemJeerke=Àefle, oeJeeW kesÀ efveheìeve ceW efJeuebye, oeJeeW mes mebyebefOele efJeJeeoeW kesÀ ceeceues ceW hee@efueefme³eeW keÀer efJeefOekeÀ
J³eeK³ee hej keÀesF& efJeJeeo, hee@efuemeer mes mebyebefOele heóÊe DeLeJee os³e heérefce³ece mebyebOeer Deewj yeercee omleeJespeeW keÀes heóeve ve efkeÀS peeves mebyebOeer efJeJeeoeW hej O³eeve
osles nQ ~ ueeskeÀheeue keÀe³ee&ue³e Denceoeyeeo, yeWieuegª, Yeesheeue, YegJeveséej, ®eb[erie{, ®esVeF&, efouueer, iegJeeneìer, nwojeyeeo, pe³ehegj, keÀes®®eer, keÀesuekeÀelee,
ueKeveT, cegbyeF&, veesS[e, heìvee Deewj hegCes ceW eqmLele nQ ~
ieénkeÀeW keÀer efMekeÀe³eleeW keÀe MeerIe´ efveJeejCe megefveeq½ele keÀjves kesÀ efueS efveiece ves `&Z 4 ' kesÀ ceeO³ece mes ieénkeÀ-DevegketÀue Dee@veueeFve heĆeeueer
` < , ' (DeeF&meerSceSme) mLeeefhele keÀer nw, pees nceejer JesyemeeFì [\\ hej
GheueyOe nw, peneb hebpeerke=Àle hee@efuemeerOeejkeÀ meerOes efMekeÀe³ele ope& keÀj mekeÀlee nw Deewj efMekeÀe³ele keÀer eqmLeefle keÀes osKe Yeer mekeÀlee nw ~ ieénkeÀ efkeÀmeer Yeer
efMekeÀe³ele kesÀ efveJeejCe kesÀ efueS F&-cesue DeeF&[er ] ^hej Yeer mebheke&À keÀj mekeÀlee nw~
12. efveieefcele mebhe´s<eCe :
Je<e& 2018-19 ceW, nceejs he´®eej keÀe³e&keÀueeheeW keÀe keWÀvêeEyeog ³egJee heeræ{er ces nceejer ye´Q[ Deheerue ye{evee Deewj meYeer ceeO³eceeW ceW nceejs GlheeoeW keÀe heÝeeJeMeeueer {bie
mes mebJeOe&ve keÀjvee jne nw~
120 mes DeefOekeÀ he´keÀeMeveeW Deewj 55 heef$ekeÀeDeesB ceW nceejer GheeqmLeefle efvejblej jner nw leLee nceves Dev³e efJeYeeieeW kesÀ efueS 19 efveefJeoe efJe%eeheveeW kesÀ DeefleefjÊeÀ
mecee®eejhe$eeW ceW 45 DeefYe³eeve ®euee³es nQ~ cenlJehetCe& vesle=lJe IeìveeDeeW keÀes heé³eesefpele efkeÀ³ee ie³ee, efpevneWves nceW J³eehekeÀ he´®eej efo³ee Deewj nceejer GheeqmLeefle
O³eeve osves ³eesi³e jner~ hećegKe DeKeyeejeW ceW he´sme he´keÀeMeefve³eeW kesÀ meeLe ner, 3 ve³es GlheeoeW kesÀ efueS veF& ³eespeveeDeeW kesÀ heéjbYe efkeÀ³ee ie³ee Deewj he´®eej DeefYe³eeve
®euee³es ie³es~ peerJeve yeercee Deewj DeefYekeÀjCe (SpeWmeer) kesÀ efJeefYeVe henuegDeeW Deewj Ghe³eesefieleeDeeW keÀes ueeskeÀefhe´³e yeveeves kesÀ efueS 4 heef$ekeÀeDeeW ceW ieénkeÀ efMe#ee
Me=bKeuee he´keÀeefMele keÀer ieF& nw~
nce (SHeÀmeerìer) DeefYe³eeveeW, ueeskeÀefhe´³e keÀe³e&¬eÀceeW kesÀ heé³eespeveeW Deewj peve-peeiejCe keÀer ueIeg veeìkeÀ Me=bKeueeDeeW kesÀ ceeO³ece mes 16 SHeÀSce jsef[³ees ®ewveueeW
kesÀ 173 jsef[³ees mìsMeveeW Deewj DeekeÀeMeJeeCeer (Dee@ue Fbef[³ee jsef[³ees) kesÀ 141 mìsMeveeW hej meef¬eÀ³e Les, efpevneWves nceW J³eehekeÀ he´®eej efo³ee Deewj ÞeesleeDeeW mes
heÝeeJeer heéfleef¬eÀ³ee efceueer~ ceewpetoe legkeÀyebefo³eeW kesÀ meeLe ner, GÊeÀ DeefYe³eeveeW kesÀ oewjeve Ghe³eg&ÊeÀ ®ewveueeW hej leerve ve³es GlheeoeW kesÀ Deewj keÀejheesjsì jsef[³ees
legkeÀeble ³egice (eEpeieume) ®euee³es ie³es~
Je<e& kesÀ oewjeve, nceejer yeéb[ GheeqmLeefle SHeÀmeerìer kesÀ ceeO³ece mes jeäêr³e Deewj #es$eer³e ìerJeer v³et]pe ®ewveueeW, jeäêr³e meeceev³e ceveesjbpeve ®ewveueeW, Kesue-ketÀo
®ewveueeW, met®eveesjbpeve (FvHeÀesìsvceWì) ®ewveueeW Deewj otjoMe&ve hej oMe&veer³e Leer~ nceves oMe&keÀes keÀer yeæ[er mebK³ee mes ³egÊeÀ Del³eefOekeÀ ueeskeÀefhe´³e keÀe³e&¬eÀceeW keÀes
heé³eesefpele efkeÀ³ee leLee yeæ[er mebK³ee ceW oMe&keÀeW keÀes DeekeÀe|<ele keÀjvesJeeues keÀe³e&¬eÀceeW kesÀ Debleie&le nceejer menYeeefielee ves nceW J³eehekeÀ he´®eej keÀe ueeYe efo³ee~
Je<e& kesÀ oewjeve Yeejle Yej ceW 8,974 m¬eÀerveeW hej efmevescee m¬eÀerveye´QeE[ie, 20 mheeFmepesì efJeceeveeW ceW SDej¬eÀeHeÌì yeukeÀ ns[ye´QeE[ie, SDej Fbef[³ee kesÀ 27 efJeceeveeW
ceW meerì yewkeÀ ye´QeE[ie, meejs Yeejle ceW 407 jsueJes mìsMeveeW ceW 2,320 jsueJes efìkeÀì Deej#eCe keÀeGbìjeW hej ceeref[³ee m¬eÀerveeW hej ye´QeE[ie efkeÀ³es ie³es~ FmekesÀ
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DeueeJee, efMe#ee, Kesue-ketÀo, meeefnl³e Deewj mebieerle, meebmke=ÀeflekeÀ IeìveeDeeW, yeercee efMeKej-meccesueveeW pewmeer efJeefYeVe ÞesefCe³eeW ceW 200 mes Yeer DeefOekeÀ DeeOeejYetle
keÀe³e&¬eÀceeW keÀe heé³eespeve, hegjmkeÀej-efJelejCe Deewj meccesueveeW keÀe Dee³eespeve efkeÀ³ee ie³ee~
nceejer heerDeej ieefleefJeefOe³eeB he´®eej kesÀ nceejs he´³eemeeW keÀer hetjkeÀ jneR~ he´sme he´keÀeMeefve³eeW kesÀ efveie&ce SJeb he´sme mee#eelkeÀejeW ves ve³es GlheeoeW kesÀ heéjbYe, cenlJehetCe&
IeìveeDeeW Deewj ieénkeÀeW mebyebOeer henueeW kesÀ meb®eej keÀes megefveeq½ele efkeÀ³ee~
efJeMes<e henue DeLee&led SueDeeF&meer Je<e& keÀe Þesÿ íe$e 9,360 efJeÐeeue³eeW ceW Dee³eesefpele efkeÀ³ee ie³ee, keÀ@euespe keQÀheme ieefleefJeefOe kesÀ Debleie&le 3,439 keÀ@euespeeW keÀes
Meeefceue efkeÀ³ee ie³ee, 17,356 efoveeW kesÀ efueS ceesyeeFue Jeenve ieefleefJeefOe³eeB Dee³eesefpele keÀer ieF¥~ nceves mJe®í Yeejle mJemLe Yeejle DeefYe³eeve keÀe jeä^J³eeheer
Deeboesueve Yeer peejer jKee, efpemeceW 8,482 heekeÀeX/ieefue³eeW/keÀe³ee&ue³eeW ceW meeHeÀ-meHeÀeF& kesÀ keÀe³e&keÀueehe efkeÀ³es ie³es leLee Je<e& kesÀ oewjeve 8,012 ef®eefkeÀlmee keQÀhe
meb®eeefuele efkeÀ³es ie³es~
yeercee peeieªkeÀlee keÀe efvecee&Ce keÀjves kesÀ efueS ef[efpeìue ceeref[³ee hej heóMe&ve, kebÀìWì efJeheCeve, mLeeveer³e j®eveeDeesB Deewj Jeeref[³ees Me=bKeueeDeesB kesÀ ceeO³ece mes
SJeb meesMeue ceeref[³ee GheeqmLeefle kesÀ Üeje Je<e& 2018-19 kesÀ oewjeve SueDeeF&meer kesÀ ef[efpeìue ceeref[³ee keÀe³e&keÀueeheeW keÀes Deeies yeæ{e³ee ie³ee~ GÊeÀ ef[efpeìue
heóMe&ve DeefYe³eeve ceen Deiemle 2018 ceW 12 hećegKe JesyemeeFìeW ceW heéjbYe efkeÀ³ee ie³ee efpeveceW Meeefceue nQ ³eent, Fbef[³eve SkeÌmehe´sme, HeÀeFveQefMe³eue SkeÌmehe´sme,
ìeFcmeDeeHeÀ Fbef[³ee, FkeÀveeefcekeÀ ìeFcme, efnvogmleeve ìeFcme, efyepevesme mìQ[[&, SceSmeSve, ceveerkebÀìêsue, owefvekeÀ YeemkeÀj, owefvekeÀ peeiejCe, Deepe lekeÀ
Deewj v³et]pe 18~ kegÀue 20 JesyemeeFìW 2018-19 keÀer DeJeefOe kesÀ efueS GÊeÀ ef[efpeìue DeefYe³eeve keÀe Debie jneR~ SkeÀ Jeeref[³ees Me=bKeuee `mejue peerJeve yeercee'
(ueeFHeÀ FbM³eesjWme ces[ F&]peer) yeveeF& ieF& leLee yuetceyesie& eÅkeÌJeì kesÀ ceeO³ece mes he´meeefjle keÀer ieF&~ SueDeeF&meer Sshe kesÀ he´³eesie keÀjves kesÀ mebyebOe ceW Jeeref[³ees ieeF[
yeveeF& ieF& Deewj Fbef[³eve SkeÌmehe´sme kesÀ ceeO³ece mes he´meeefjle keÀer ieF&~ SueDeeF&meer kesÀ meesMeue ceeref[³ee keÀe³e&keÀueeheeW ceW Yeer Je<e& kesÀ oewjeve Je=ef× ngF&~ ³etìîetye
DeefYeoeleeDeeW keÀer mebK³ee Yeer ueieYeie ogiegveer neskeÀj 18 npeej lekeÀ hengB®e ieF&~ nceejer eqìdJeìj nQ[ue SueDeeF&meer ]HeÀej SJej kesÀ Deveg³ee³eer Yeer 39 npeej lekeÀ
yeæ{ ie³es nQ~ ]HesÀmeyegkeÀ kesÀ he´MebmekeÀeW keÀer mebK³ee 6.4 efceefue³eve mes DeefOekeÀ nw~
Je<e& kesÀ oewjeve SueDeeF&meer ves 25 heéfleÿelcekeÀ hegjmkeÀej peerles nQ~ nceves pees efJeefYeVe GuuesKeveer³e hegjmkeÀej peerles nQ, GveceW Meeefceue nQ ceveer ìg[s HeÀeFveQefMe³eue
hegjmkeÀej, jeäêr³e heéfMe#eCe 2019 kesÀ efueS mJeCe& ce³etj hegjmkeÀej, [ve SC[ ye´w[ mìêrì Fbef[³ee keÀe Meer<e& heer Sme ³et hegjmkeÀej, Syeer heer v³et]pe yeer SHeÀ Sme
DeeF& hegjmkeÀej, yeer Sme SHeÀ DeeF& ef[efpeìue FveesJesMebme hegjmkeÀej~
13. met®evee DeefOekeÀej DeefOeefve³ece, 2005 :
kegÀue keWÀêer³e ueeskeÀ met®evee DeefOekeÀeefj³eeW keÀer mebK³ee : 130
kegÀue JewkeÀequhekeÀ keWÀêer³e ueeskeÀ met®evee DeefOekeÀeefj³eeW keÀer mebK³ee : 244
kegÀue Deheerueer³e heéefOekeÀeefj³eeW keÀer mebK³ee : 130
kegÀue keWÀêer³e mene³ekeÀ ueeskeÀ met®evee DeefOekeÀeefj³eeW keÀer mebK³ee : 3603
keWÀêer³e ueeskeÀ met®evee DeefOekeÀeefj³eeW SJeb keWÀêer³e mene³ekeÀ ueeskeÀ met®evee DeefOekeÀeefj³eeW keÀe efJeJejCe hej Deej ìer DeeF& meWìj
ceW GheueyOe nw ~
Je<e& 2018-19 ceW Yeejleer³e peerJeve yeercee efveiece keÀe DevegYeJe
Je<e& 2018-19 kesÀ oewjeve efveiece keÀes 12,653 DeeJesove 2,184 he´Lece Deheerue SJeb 347 efoJeleer³e Deheerue heéhle ngF&.
met®evee DeefOekeÀej he´keÀìerkeÀjCe :
Yeejleer³e peerJeve yeercee efveiece ves met®evee DeefOekeÀej DeefOeefve³ece keÀer Oeeje 4(1) keÀe Devegheeuevee keÀer nw SJeb keWÀêer³e met®evee Dee³eesie ves heejoe|Melee DebkesÀ#eCe ceW
“A” ÞesCeer heóeve keÀer nw~
Deej ìer DeeF& Dee@veueeFve cee@[îetue :

Yeejleer³e peerJeve yeercee efveiece kesÀ keÀe³ee&ue³eeW ceW met®evee DeefOekeÀej kesÀ Debleie&le heéhle mecemle DeeJesoveeW SJeb DeheerueeW keÀes Yeejle mejkeÀej kesÀ Dee@veueeFve heesì&ue
ceW heéf¬eÀ³eeiele efkeÀ³ee peelee nw SJeb FmekeÀe eEuekeÀ``! ``! hej Yeer GheueyOe nw~
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Je<e& DeeJesove Deheerues meer DeeF& meer keÀejCe yeleeDees hesveuìer #eeflehete|le ceeceueeW keÀer
mebK³ee
2005-06 187 1 %& %& %& %&
2006-07 1,311 9 2 %& %& %&
2007-08 2,616 394 96 27 %& 4

2008-09 4,555 982 174 13 1 2
2009-10 6,897 1,473 108 13 1 3
2010-11 9,553 1,919 384 20 %& 5
2011-12 12,350 2,242 160 14 1 3
2012-13 13,536 2,425 619 13 2 6
2013-14 14,665 2,474 283 5 3 3
2014-15 15,047 2,281 303 %& %& %&
2015-16 16,424 2,784 462 %& %& %&
2016-17 14,358 2,479 356 2 %& %&
2017-18 12,937 2,242 292 %& %& %&
2018-19 12,653 2,184 347 %& %& %&
14. keÀee|cekeÀ/keÀce&®eejer mebyebOe :

keÀ) keÀce&®eeefj³eeW keÀer mebK³ee: 31.03.2019 keÀes efveiece ceW keÀe³e&jle DeefOekeÀeefj³eeW SJeb keÀce&®eeefj³eeW keÀer kegÀue mebK³ee 1,08,684 nw peye efkeÀ efheíues
efJeÊeer³e Je<e& kesÀ Deble ces ³en 1,11,979 Leer ~
Ke) keÀce&®eejer mebyebOe : efveiece SJeb efveiece kesÀ keÀce&®eeefj³eeW kesÀ ceO³e meoYeeJehetCe& SJeb meecepem³ehetCe& mebyebOe jns leLee yeercee GÐeesie kesÀ ®egveewefle³eeW keÀe
ceg]keÀeyeuee keÀjves kesÀ efueS keÀce&®eeefj³eeW keÀe ceveesyeue keÀe³ece jne~
ie) ceefnueeDeeW keÀe meMeefÊeÀkeÀjCe : efveiece ceW he´l³eskeÀ mlej hej ceefnuee DeefOekeÀeefj³eeW SJeb keÀce&®eeefj³eeW keÀe ³eesieoeve yengle cenlJehetCe& jne nw~ efJeefYeVe
ÞesefCe³eeW ceW ceefnuee keÀce&®eeefj³eeW keÀer mebK³ee efvecveevegmeej nw~
ÞesCeer kegÀue ceefnueeDeeW keÀer mebK³ee
he´Lece ÞesCeer DeefOekeÀejer 32,717 7,231
efJekeÀeme DeefOekeÀejer 21,588 860
le=leer³e SJeb ®elegLe& ÞesCeer keÀce&®eejer 54,379 15,918
]kegÀue 1,08,684 24,009
efveiece kesÀ keÀe³e&mLeue hej ceefnueeDeeW kesÀ ueQefiekeÀ Glheeræ[ve efveJeejCe nsleg meefceefle³eeB kesÀvêer³e keÀe³ee&ue³e, #es$eer³e keÀe³ee&ue³e, SJeb ceb[ue keÀe³ee&ue³e
mlej hej me#ecelee mes keÀe³e&jle nQ~
Ie) Deej#eCe–-jeäêr³e veerefle keÀe Devegheeueve
Devegmetef®ele peeefle, Devegmetef®ele pevepeeefle SJeb Dev³e efheí[e Jeie&
Yeejle mejkeÀej Üeje Deej#eCe mebyebOeer efveoxMeeW kesÀ Devegmeej, efveiece ceW Depee/Depepee/ Dev³e efheí[s JeieeX kesÀ efnle ces efve³egefÊeÀ leLee heoesVeefle ceW
Deej#eCe, veerefle mes mebyebefOele efJeefJeOe ceeceueeW kesÀ efJe<e³e ceW ®e®ee& keÀjves nsleg leLee Devegmetef®ele peeefle, pevepeeefle, efheí[s Jeie& kesÀ keÀce&®eeefj³eeW keÀer
efMekeÀe³eleeW keÀe heÝeeJeer lejerkesÀ mes efveJeejCe keÀjves nsleg efveiece kesÀ ceb[ue, #es$eer³e leLee keWÀêer³e keÀe³ee&ue³ees ceW keÀu³eeCe he´keÀesÿ meef¬eÀ³e ©he mes
keÀe³e&jle nw~ efveiece ceW Depee/Depepee/ YetlehetJe& mewefvekeÀ SJeb efoJ³eebiepeve keÀce&®eeefj³eeW kesÀ efue³es SJeb Dev³e efheí[s Jeie& kesÀ keÀce&®eeefj³eeW kesÀ efue³es keWÀêer³e
keÀe³ee&ue³e mlej hej Deueie mes cegK³e mebheke&À DeefOekeÀeefj³eeW keÀe ®e³eve efkeÀ³ee ie³ee nw leLee efveiece kesÀ meYeer Deeþ #es$eer³e keÀe³ee&ue³eeW ceW Depee/Depepee/
YetlehetJe& mewefvekeÀ SJeb efoJ³eebiepeve keÀce&®eeefj³eeW kesÀ efue³es SJeb Dev³e efheí[s Jeie& kesÀ keÀce&®eeefj³eeW kesÀ efue³es Deueie mes #es$eer³e mebheke&À DeefOekeÀeefj³eeW keÀes
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veeefcele efkeÀ³ee ie³ee nw~ keWÀêer³e keÀe³ee&ue³e mlej hej Depee/Depepee/YetlehetJe& mewefvekeÀ/ efoJ³eebiepeve keÀce&®eeefj³eeW kesÀ efue³es efve³egÊeÀ meYeer mebheke&À
DeefOekeÀeefj³eeW keÀer GheeqmLeefle ceW, Depee/Depepee keÀu³eeCe mebIe kesÀ DeefKeue Yeejleer³e heoeefOekeÀeefj³eeW kesÀ meeLe mece³e - mece³e hej yewþkesÀ Dee³eesefpele
keÀer peeleer nw efpemeceW Devegmetef®ele peeefle SJeb pevepeeefle kesÀ keÀce&®eeefj³eeW mes mebyebefOele ceeceueeW hej ®e®ee& keÀer peeleer nw~ keWÀêer³e keÀe³ee&ue³e mlej hej
Dev³e efheí[s Jeie& kesÀ DeefKeue Yeejleer³e heoeefOekeÀeefj³eeW kesÀ meeLe Yeer yewþkeÀ Dee³eesefpele keÀer peeleer nw~
Deej#eCe mes mebyebefOele keÀe³e& keÀjvesJeeues keÀce&®eeefj³eeW/DeefOekeÀeefj³eeW, meYeer mebheke&À DeefOekeÀeefj³eeW SJeb Depee/Depepee keÀu³eeCe mebIe kesÀ heoeefOekeÀeefj³eeW
keÀes Deej#eCe mebyebefOele efJe<e³e hej veJeervelece efveoxMe/peevekeÀejer osves nsleg keÀe³e&Meeuee keÀe Dee³eespeve efkeÀ³ee nw~ Depee/Depepee kesÀ GcceeroJeejeW kesÀ
efue³es heoesVeefle hetJe& heéfMe#eCe keÀe³e&¬eÀceeW keÀe Dee³eespeve efkeÀ³ee pee jne nw~
efoJ³eebiepeve :-
Yeejle mejkeÀej Fme efJe<e³e ceW peejer efveoxMeeW kesÀ Devegheeueve SJeb efJekeÀueebie J³eefÊeÀ³eeW kesÀ hegve:mLeeheve ceW men³eesie kesÀ ¢eqäkeÀesCe kesÀ meeLe efveiece
ves efJekeÀueebie J³eefÊeÀ efpeme ceW YeeweflekeÀ, ÞeJ³e Deewj ¢M³e efoJ³eebieleeDeeW keÀe, efve³egefÊeÀ kesÀ efue³es heoeW keÀer hen®eeve keÀer nw~ meerOeer Yeleea ceW, ÞesCeer #
SJeb @ ceW hen®eeve efkeÀ³es ie³es heoeW mes mebyebefOele meerOeer Yeleea keÀer kegÀue efjefÊeÀ³eeW ces mes 4… Deej#eCe keÀe heéJeOeeve nw~ DeefYeuesKe efueefhekeÀ leLee G®®e
ÞesCeer mene³ekeÀ heoeW kesÀ efue³es heoesVeefle ceW Deej#eCe keÀe heéJeOeeve nw~
efoJ³eebiepeve DeefOekeÀej efve³ece, 2017 kesÀ Devegmeej yeveeF& ie³eer Sue.DeeF&.meer. keÀer meceeve DeJemej veerefle keÀes efveiece kesÀ yees[& ves cebpetjer oer nw SJeb Jen
veerefle Sue.DeeF&.meer. kesÀ Fbìjvesì Deewj Fbìjevesì meeFì hej heóe|Mele keÀer ie³eer nw~
YetlehetJe& mewefvekeÀ :-
Yeejle mejkeÀej kesÀ efveoxMeevegmeej efveiece YetlehetJe& mewefvekeÀeW keÀer efve³egefÊeÀ kesÀ efue³es heéJeOeeve keÀjlee nw~
Deee|LekeÀ ªhe mes keÀcepeesj Jeie& kesÀ efueS Deej#eCe (F&.[yuet.Sme.)
pees J³eefÊeÀ Devegmetef®ele peeefle (Sme. meer.), Devegmetef®ele pevepeeefle (Sme. ìer.) Deewj meeceeefpekeÀ ³ee Deee|LekeÀ ªhe mes efheíæ[s Jeie& (Dees. yeer. meer.)
kesÀ efkeÀmeer Yeer ceewpetoe Deej#eCe ³eespevee ceW Meeefceue veneR nw Deewj efpemekesÀ heefjJeej keÀer kegÀue meeueevee Dee³e ©. 8.00 ueeKe mes keÀce nw, Ssmes J³eefÊeÀ
F&.[yuet.Sme. kesÀ Debleie&le Deej#eCe kesÀ hee$e nQ, efpevnsb meerOeer Yeleea ceQ, 01.02.2019 ³ee yeeo ceW DeefOemetef®ele, kegÀue efjefÊeÀ³eeW ceQ 10… Deej#eCe ueeiet
nw~
[) DeefYekeÀlee&DeeW keÀes DeeJeemeer³e $eÝCe (keÌueye meom³e):
efveiece kesÀ DeefYekeÀlee&DeeW keÀes DeeJeemeer³e $eÝCe ³eespevee kesÀ Devleie&le kegÀue jeefMe ` 36.43 keÀjes[ 31.03.2019 lekeÀ mJeerke=Àle JeÀer ieF&~ efveiece kesÀ
keÀce&®eeefj³eeW kesÀ efJeefJeOe DeeJeemeer³e $eÝCe ³eespeveeSsB peerJeve yeercee efveiece neGeEmeie HeÀeFvesme efueefceìs[ keÀes mLeeveebleefjle JeÀer pee ®egJeÀer nQ~
®e) keÀe³ee&ue³e mesJee :
1) 99… mes DeefOekeÀ keÀce&®eeefj³eeW, hesvMevejeW Deewj efJe¬esÀleeDeeW mes mecyebefOele meYeer Yegieleeve FueskeÌìê@efvekeÀ ceeO³ece mes efkeÀ³es ie³es~
2) meeceev³e efJeÊe efve³ece 2017 kesÀ efve³ece 149 kesÀ Devegmeej, ceb$eeue³eeW ³ee efJeYeeieeW Üeje JemlegDeeW Deewj mesJeeDeeW keÀer Kejero, mejkeÀej-F&
yeepeej ($ <) heesì&ue hej GheueyOe JemlegDeeW ³ee mesJeeDeeW kesÀ efueS DeefveJee³e& nesieer~ keÀe³e&keÀejer meefceefle Üeje Devegceesefole mebMeesefOele
Yeb[ej mebefnlee ves Yeer JemlegDeeW Deewj mesJeeDeeW keÀer Kejero kesÀ efueS efJekeÀuhe kesÀ ªhe ceW $ < heóeve efkeÀ³ee nw~ $ < heesì&ue hej meYeer
#es$eeW kesÀ efueS heéfMe#eCe hetje nes ie³ee nw~ yeenjer eEuekeÀ kesÀ ceeO³ece mes peerF&Sce heesì&ue lekeÀ hengb®eves kesÀ efueS peerJeve meb®eej hej SkeÀ eEuekeÀ
heóeve efkeÀ³ee ie³ee nw~ meYeer #es$eeW ves $ < heesì&ue kesÀ ceeO³ece mes Kejero Megª keÀj oer nw~
3) heefjJesMe cele $ewceeefmekeÀ DeeOeej hej Dee³eesefpele efkeÀS pee jns nQ peneB keÀce&®eejer 1 mes 10 kesÀ hewceeves hej Deheves keÀe³ee&ue³eeW kesÀ ceenewue keÀes
jsì keÀjles nQ~ nceves heesue ceW keÀce&®eeefj³eeW keÀer Yeeieeroejer keÀer yeæ{leer he´Je=efÊe osKeer nw~ mJe®ílee DeefYe³eeve keÀes yeæ{eJee osves Deewj yeæ{eJee
osves kesÀ efueS, 5 mes veer®es keÀer heefjJesMe jseEìie kesÀ meeLe efkeÀjeS kesÀ heefjmejeW ceW keÀe³ee&ue³eeW ceW Meew®eeue³eeW kesÀ veJeerveerkeÀjCe kesÀ efueS SkeÀ
henue keÀer ieF& Leer~
4) Je<e& 2017-18 ceW hueJeceeefvele efkeÀS ieS DeeoMe& MeeKee mebkeÀuhevee ves keÀeHeÀer Glmeen Deewj GlmeenpevekeÀ heéfleef¬eÀ³ee GlheVe keÀer nw~
heéfle³eesefielee ceW Yeeie uesves Jeeueer MeeKeeDeeW keÀer mebK³ee yeæ{ jner nw~
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15. ceeveJe mebmeeOeve efJekeÀeme/mebieþve efJekeÀeme heéfMe#eCe ieefleefJeefOe³eeB

Je<e& 2018-19 ceW, cee.meb.efJe.efJeYeeie keÀe keWÀê eEyeog keÀce&®eeefj³eeW keÀer DeeJeM³ekeÀlee kesÀ DeeOeej hej GvnW heéfMe#eCe heóeve keÀjvee SJeb keÀce&®eeefj³eeW keÀer %eeve,
keÀewMeue SJeb ¢eqäkeÀesCe keÀes DeÐeleve keÀjles ngS, ceeveJe mebmeeOeve heéfleYee hetue keÀe ieþve, hees<eCe SJeb efJekeÀeme keÀjvee jne nw~
Fme GÎsM³e ceW keÀece³eeyeer kesÀ efueS GþeS ie³es efJeefYeVe keÀoce Fme he´keÀej nQ:-
ÞesCeer DeefOekeÀeefj³eeW keÀer heéfMe#eCe DeeJeM³ekeÀleeDeeW keÀes, S®eDeej[er cee@[îetue kesÀ ceeO³ece mes DeO³e³eve efkeÀ³ee ie³ee ~
efveiece kesÀ keWÀêer³e keÀe³ee&ue³e SJeb #es$eer³e keÀe³ee&ue³eeW Üeje SueDeeF&meer kesÀ Fve-neGme heéfMe#eCe keWÀêeW DeLee&led he´.efJe.kesÀ. SJeb Deeþ #es$eer³e heéfMe#eCe
keWÀêeW kesÀ ceeO³ece mes leLee heéfleeqÿle yeenjer heéfMe#eCe mebmLeeveeW pewmes SveDeeF&S, DeeF&DeeF&Sce, SSmemeerDeeF&, Sce[erDeeF&,ìerDeeF&SmeSme Deeefo kesÀ
ceeO³ece mes, heéfMe#eCe ieefleefJeefOe³eeB keÀe³ee&eqvJele keÀer ieF& ~
vee@uespe vesìJeke&À keÀes keWÀêer³e keÀe³ee&ue³e kesÀ cee.meb.efJe. efJeYeeieer³e JesyemeeFì hej efJekeÀefmele Je jKee ie³ee nw, efpemekesÀ ceeO³ece mes he´mlegefle³eeB, efjme®e&
efjheesì&, kesÀme mì[er]pe SJeb Dev³e %eeve mebyebOeer omleeJespeeW keÀes meePee efkeÀ³ee pee mekeÀlee nQ~ vee@uespe vesìJeke&À, mecemle heéfMe#eCe keWÀêeW Üeje efJe®eejeW
kesÀ Deeoeve-heóeve, met®evee meePee keÀjves, keÀewMeue yeæ{esllejer nsleg SkeÀ meeJe&peefvekeÀ ®ewveue kesÀ ªhe ceW keÀe³e& keÀjlee nw, Fme he´keÀej ³en nceejs
heéfMe#eCe keWÀêeW keÀes %eeve SJeb met®evee kesÀ heeLeJes PQkesÀ ªhe ceW efJekeÀefmele keÀjlee nw efpevekeÀs ceeO³ece mes nes jns met®evee mebhe´s<eCe keÀes meg®eeª
SJeb lespe, GÎsM³eesvcegKeerb ceeheves ³eesi³e yeveelee nw ~ efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, 29,880 keÀce&®eeefj³eeW Üeje meHe&À efkeÀ³es ieS vee@uespe vesìJeke&À hej
905 ceo Deheuees[ efkeÀS ieS nQ~
efceuesefve³eue keÀce&®eeefj³eeW Je DeefYekeÀlee&DeeW kesÀ efueS efJeMes<e heéfMe#eCe keÀe³e&¬eÀce Dee³eesefpele efkeÀS ieS~
he´.efJe.kesÀ./#es.he´.kesÀ.Üeje jesueDeeTì Dee@HeÀ F&-uee\veie kesÀ Debleie&le Jeeref[³ees keÀe@vHe´WÀeEmeie me$eeW kesÀ ceeO³ece mes 15,393 keÀce&®eeefj³eeW keÀes heéfMeef#ele
efkeÀ³ee ie³ee ~
efJeosMeer heéfMe#eCe kesÀ Debleie&le SkeÀ DeefOekeÀejer keÀes efJeosMe heéfMe#eCe nsleg Yespee ie³ee~
GÐeesie peiele kesÀ meJe&Þesÿ JeweféekeÀ he´LeeDeeW mes keÀce&®eeefj³eeW keÀes DeJeiele keÀjeves kesÀ GÎsM³e mes Deewj efJeefYeVe ÞesCeer kesÀ keÀee|cekeÀeW keÀes, DeeF&ìer, [sìe
megj#ee, SkeÌ®egefj³eue meeFbme, ueer[jefMehe efJekeÀeme Deeefo #es$eeW ceW GvekesÀ %eeve-JeOe&ve kesÀ efueS,heéfleeqÿle yeenjer heéfMe#eCe mebmLeeve pewmes Sce[erDeeF&
iegæ[ieebJe#,nwojeyeeo, ;!+ nwojeyeeo, Fbmìerìîetì Dee@HeÀ SkeÌ®egDejerpe Dee@HeÀ Fbef[³ee Deeefo Üeje DevegketÀefuele/Kegues keÀe³e&¬eÀceeW kesÀ ceeO³ece
mes, heéfMe#eCe Dee³eesefpele efkeÀ³es peeles nQ~
efJeÊe Je<e& 2018-19 kesÀ oewjeve, 1,645 DeefOekeÀeefj³eeW keÀes DevegketÀefuele keÀe³e&¬eÀceeW kesÀ ceeO³ece mes heéfMeef#ele efkeÀ³ee ie³ee nw Deewj 424 DeefOekeÀeefj³eeW keÀes
heéfleeqÿle yeenjer heéfMe#eCe mebmLeeveeW kesÀ ceeO³ece mes keWÀêer³e keÀe³ee&ue³e Deewj #es$eer³e keÀe³ee&ue³e Üeje Kegues keÀe³e&¬eÀceeW kesÀ ceeO³ece mes heéfMeef#ele efkeÀ³ee
ie³ee nw~
Jeie& kesÀ 30,965 keÀce&®eeefj³eeW keÀes ceb[ue mlej hej heéfMe#eCe keWÀêeW/ kebÀh³etìj heéfMe#eCe keWÀêeW kesÀ ceeO³ece mes keÀe³ee&lcekeÀ henuegDeeW hej heéfMe#eCe
heóeve efkeÀ³ee ie³ee leeefkeÀ Jes ieénkeÀeW keÀes yesnlejerve mesJee heóeve keÀj mekeWÀ meeLe ceW Gve keÀce&®eeefj³eeW keÀer keÀe³ee&lcekeÀ keÀewMeue Je [escesFve %eeve keÀes
Yeer efJekeÀefmele keÀj mekeWÀ ~
N DeeF&SmeDees mee|ìefHeÀkesÀMeve
cee.meb.efJe./meb.efJe.efJeYeeie, keWÀêer³e keÀe³ee&ue³e kesÀ meYeer DevegYeeie (heéfMe#eCe, hegmlekeÀeue³e, Kesue SJeb jepeYee<ee keÀe³ee&vJe³eve Deeefo ®eej
DevegYeeie), heýebOeve efJekeÀeme keWÀê, DeeþeW #es$eer³e heéfMe#eCe keWÀê DeeF&SmeDees Üeje hećeeefCele nQ~
N hegjmkeÀej
SueDeeF&meer ves Je<e& 2018-19 kesÀ oewjeve efvecveefueefKele heéfMe#eCe/S®e Deej DeJee[& peerles nQ
¤ ieesu[ve heerkeÀe@keÀ vesMeveue ì^seEveie DeJee[& 2019 ( ueieeleej ®eewLeer yeej)
27
¤ Glke=Àä heéfMe#eCe kesÀ efueS 8 JeW Jeee|<ekeÀ ieérve ìskeÀ S®e Deej huesefìvece DeJee[& 2018 (ueieeleej ®eewLeer yeej)
¤ ,;jeäêr³e hegjmkeÀej 2017 kesÀ efveCee&³ekeÀ hewveue Üeje veJeerve heéfMe#eCe DeY³eemeeW kesÀ efueS he´Meeqmle he$e
Je<e& 2018-19 kesÀ oewjeve kesÀ.keÀe./ceeveJe mebmeeOeve efJekeÀeme Üeje Dee³eesefpele he´MeemeefvekeÀ keÀee|cekeÀ heéfMe#eCe ieefleefJeefOe³eeW Deewj keÀmìceeF&peæ[
keÀe³e&¬eÀceeW keÀe efJeJejCe efvecveevegmeej efo³ee ie³ee nw:
he´MeemeefvekeÀ keÀee|cekeÀ heéfMe#eCe ieefleefJeefOe³eeb :
heéfMe#eCe mebmLeeve kegÀue heéfMeef#ele keÀce&®eeefj³eeb
(efJekeÀeme DeefOekeÀeefj³eeWkeÀes íesæ[keÀj)
2018-19 2017-18
he´.efJe.kesÀ. / #es.he´.kesÀ. (keÀ#ee # Deewj @) 50,377 39,350
(JeermeerheéfMe#eCe-15,393) (JeermeerheéfMe#eCe- 7,527)
SveDeeF&S 2,523 2,487
yeenjer heéfMe#eCe(Kegues keÀe³e&¬eÀce) 424 372
DevegketÀefuele heéfMe#eCe 261 848
#es$e Üeje yeenjer heéfMe#eCe 1,384 1,840
efJeosMeer heéfMe#eCe 01 09
le=leer³e ÞesCeer heéfMe#eCe (keÀce&®eejer heéfMe#eCe keWÀê) 30,965 30,579
®elegLe& ÞesCeer heéfMe#eCe (ceb[ueeW kesÀ ceeO³ece mes) 1,158 2,093
kegÀue heéfMeef#ele 87,093 77,578
DeeF&Deej[erSDeeF& efJeefve³eceeW kesÀ yeejs ceW keÀe³e&MeeueeSB 13,067 17,190
veeceebkeÀve yeveece GheeqmLeefle keÀe Devegheele 98.15… 96.25…
heéfMeef#ele efceuesefve³eue 1,563 00
(#es.he´.kesÀ. Üeje heéfMeef#ele keÀce&®eejer SJeb DeefYekeÀlee&)
he´MeemeefvekeÀ keÀee|cekeÀ heéfMe#eCe ieefleefJeefOe³eeB:
Je<e& 2018-19 kesÀ oewjeve kesÀ.keÀe. / cee.meb.efJe. Üeje Dee³eesefpele efkeÀ³es ie³es keÀmìceeF&peæ[ keÀe³e&¬eÀce
¬eÀ.meb. keÀe³e&¬eÀce keÀe veece heéfMeef#ele keÀce&®eeefj³eeW keÀer mebK³ee
1 ,$ DeefOekeÀeefj³eeW kesÀ efueS J³eeJemeeef³ekeÀ efJeMues<eCe Deewj heefj³eespevee heýebOeve 31
2 #es.he´.kesÀ. / efJe.he´.kesÀ. kesÀ mebkeÀe³e meom³eeW kesÀ efueS 'ì^sve o ì^svej' 24
3 mebkeÀe³e meom³eeW kesÀ efueS 'DevegmebOeeve he×efle' hej heéfMe#eCe 24
4 veeceebefkeÀle efveo&sMekeÀeW kesÀ efueS heéfMe#eCe keÀe³e&¬eÀce 24
5 keWÀêer³e keÀe³ee&ue³e kesÀ DeefOekeÀeefj³eeW kesÀ efueS FvHeÀesieéefHeÀkeÌme hej heéfMe#eCe 25
6 keWÀêer³e keÀe³ee&ue³e kesÀ DeefOekeÀeefj³eeW kesÀ efueS GVele SkeÌmesue hej J³eeJeneefjkeÀ heéfMe#eCe- 24
7 mebkeÀe³e meom³eeW kesÀ efueS efJeefve³eecekeÀ mebJesoerkeÀjCe keÀe³e&Meeuee 15
8 keWÀêer³e keÀe³ee&ue³e kesÀ DeefOekeÀeefj³eeW kesÀ efueS GVele SkeÌmesue hej J³eeJeneefjkeÀ heéfMe#eCe- 27
9 DeeF&ìer DeefOekeÀeefj³eeW kesÀ efueS eÅmheíe He´sÀceJeke&À 20
10 SveDeeF&S ceW Sme[erSce kesÀ efueS vesle=lJe keÀe³e&¬eÀce 25
11 Sve[jeF[ Deveghe´³eesie efJekeÀeme keÀe³e&Meeuee 05
12 Jeefjÿ DeefOekeÀeefj³eeW kesÀ efueS efve³eecekeÀ mebJesoerkeÀjCe hej DevegketÀefuele keÀe³e&Meeuee 17
kegÀue heéfMeef#ele 261
28
28
KesueketÀo :
DeefKeue Yeejleer³e SueDeeF&meer iescme 2018-2019:
Je<e& ceW efveiece kesÀ meyemes yeæ[s Kesue ceneslmeJe, “DeefKeue Yeejleer³e SueDeeF&meer Kesue 2018-2019“ keÀe meHeÀueleehetJe&keÀ Dee³eespeve osnjeotve ceW
efoveebkeÀ 3 mes 6 efomebyej 2018 lekeÀ efkeÀ³ee ie³ee ~
SueDeeF&meer ìerceeW Je efKeueeef[³eeW keÀer hećegKe GheueeqyOe³eeB:
Je<e& 2018-2019 ceW, SueDeeF&meer kesÀ efKeueeefæ[³eeW ves 20 mes DeefOekeÀ jeäêr³e/Debleje&äêr³e mlej kesÀ Kesue heéfle³eesefieleeDeeW ceW Yeeie efue³ee SJeb efveiece kesÀ
efueS heokeÀ peerles nw~ Fve heokeÀ efJepesleeDeeW keÀe efJeJejCe efvecveevegmeej nw -
SLeuesefìkeÌme
efKeueeæ[er keÀe veece heokeÀ Kesue heéfle³eesefielee/mheOee& mLeeve SJeb efoveebkeÀ
keÀebm³e heokeÀ Deesheve vesMeveue SLeuesefìkeÀ ®eweqche³eveefMehe YegJeveséej,
megÞeer ceesefvekeÀe DeeLejs keÀebm³e heokeÀ efmelebyej, 2018
keÀebm³e heokeÀ efouueer neHeÀ cewjeLeve veF& efouueer,
DekeÌìtyej, 2018
kewÀjce :
2 mJeCe& heokeÀ (ceefnuee eEmeieume 5 JeW efJeée keÀhe kewÀjce ìtvee&ceWì ®egveef®eDeesve,
Deewj ìerce ®eweqche³eveefMehe) oef#eCe keÀesefj³ee,
megÞeer Sme DehetJee& jpele heokeÀ (ceefnuee[yeume) Deiemle, 2018
keÀebm³e heokeÀ (eEmeieume) meerefve³ej vesMeveue Deewj Fbìj-mìsì kewÀjce kegÀ[eue,
jpele heokeÀ (ìerce) ®eweqche³eveefMehe 2018 HeÀjJejer, 2019
yew[eEceìve :
jpele heokeÀ ³egieeb[e FbìjvesMeveue yew[eEceìve ®eweqche³eveefMehe ³egieeb[e,
Þeer efme×eLe& (heg©<e [yeume) HeÀjJejer, 2019
keÀebm³e heokeÀ kesÀv³ee FbìjvesMeveue yew[eEceìve ®eweqche³eveefMehe kesÀv³ee,
(heg©<e eEmeieume Deewj [yeume) cee®e&, 2019
Melejbpe
mJeCe& heokeÀ nesef]HeÀve eÅmheíe Deesheve HeÀer[s Melejbpe ìtvee&ceWì pece&veer,
ie´Q[ ceemìjÞeerjece Pee Dehe´wue, 2018
mJeCe& heokeÀ Dee@ue Fbef[³ee HeÀer[s jwefhe[ jseEìie Melejbpe veF& efouueer,
ìtvee&ceWì DekeÌìtyej, 2018
[yu³etpeerSce efkeÀjCe keÀebm³e heokeÀ keÀe@ceve JesuLe Melejbpe ®eQefhe³eveefMehe veF& efouueer,
ceveer<ee ceesnbleer pegueeF&, 2018
ie´Q[ ceemìj efovesMe mJeCe& heokeÀ vesMeveue eqyueìdpe Melejbpe ®eQefhe³eveefMehe 2018 Denceoeyeeo,
kegÀceej Mecee& ceF&,2018
29
Jee@ueeryee@ue :
efKeueeæ[er/ ìerce keÀe heokeÀ Kesue heéfle³eesefielee/mheOee& mLeeve SJeb efoveebkeÀ
veece
DeefKeue Yeejleer³e keÀebm³e heokeÀ Dee@ue Fbef[³ee heeqyuekeÀ meskeÌìj ìtvee&ceWì 2018 efle©®eer,
SueDeeF&meer Jee@ueeryee@ue cee®e& 2019
ìerce 2018
hegmlekeÀeue³e:
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve hegmlekeÀeue³e Üeje kegÀue 468 hegmlekeWÀ DeLee&le 254 Debie´speer hegmlekeWÀ, 97 eEnoer hegmlekeWÀ Deewj 117 cejeþer hegmlekeWÀ
KejeroeR ieF¥~
16. heýevOe efJekeÀeme kesÀvê :
’DeY³eeme meerKeves keÀe meyemes keÀefþve lejerkeÀe nw Deewj heéfMe#eCe heefjJele&ve keÀe meej nw~“ -Sve JeesmkewÀche
’meerKeves mes ceeqmle<keÀ keÀer #ecelee keÀYeer keÀce veneR nesleer nw~“ - efue³eesvee[ex oe eEJe®eer
heýebOe efJekeÀeme kesÀvê efveiece keÀe SkeÀ hećegKe heéfMe#eCe mebmLeeve nw, pees heÝeeJeer ªhe mes mebmLee keÀer ceeveJe hetbpeer keÀes efJekeÀefmele keÀjves ceW Deheveer YetefcekeÀe efveYee
jne nw~ heýebOe efJekeÀeme kesÀvê efveiece kesÀ ceO³e heýebOeve mlej kesÀ DeefOekeÀeefj³eeW keÀes veJeervelece heéfMe#eCe Fvehegì heóeve keÀjves kesÀ efueS efvejblej he´³eemejle nw~
efJeheCeve Glke=Àälee, heýebOekeÀer³e Glke=Àälee leLee SefLekeÀue he´weqkeÌìmespe efJe<e³e hej veS cee@[îetue keÀer j®evee Deewj ceewpetoe cee@[îetue keÀes DeÐeleve keÀjves kesÀ
efueS veF& henue keÀer ie³eer nw~ kesÀvê Deheveer íefJe DeeF&Sme / DeeF&SmeDees 9001: 2015 hećeeefCele heéfMe#eCe mebmLeeve kesÀ ªhe ceW yeveeS jKeves kesÀ efueS heéfleye×
nw~ heýebOe efJekeÀeme kesÀvê ìerce Fve ceevekeÀeW mes yesnlej heóMe&ve kesÀ efueS he´³elveMeerue nw~
Fme Je<e& 6,796 DeefOekeÀeefj³eeW keÀes heéfMe#eCe (4,057 Fve-neGme Deewj 2,739 Jeeref[³ees keÀe@vHe´WÀeEmeie kesÀ ceeO³ece mes) heóeve efkeÀ³ee ie³ee nw~
17. jepeYee<ee keÀe³ee&vJe³eve :
1) Yeejleer³e peerJeve yeercee efveiece ceW Ghe³eesieer 193 efÜYee<eer HeÀeceeX keÀes peerJeve meb®eej hej GheueyOe keÀje³ee ie³ee Lee~ efÜYee<eer HeÀeceeX keÀer hegmlekeÀ lew³eej
keÀer ie³eer~
2) ieénkeÀ heesì&ue SbJe DeefYekeÀlee& heesì&ue hej efÜYee<eer HeÀece& GhueyOe keÀjeS ieS~
3) ’keÀ“ #es$e eqmLele ieénkeÀeW Üeje ieénkeÀeW keÀes Yespes peeves Jeeues ueieYeie 2.35 keÀjes[ Sme.Sce.Sme.Yespes ieS~
4) efJeÊe ceb$eeue³e jepeYee<ee efJeYeeie kesÀ efveoxMeevegmeej ceen ceW SkeÀ efove eEnoer keÀecekeÀepe kesÀ efueS efveOee&efjle keÀjves kesÀ DeeosMeeW keÀe Devegheeueve keÀjles
ngS efveiece ves nj MeefveJeej ’eEnoer MeefveJeej“ kesÀ ªhe ceW cevee³ee ie³ee~
5) ceesyeeF&ue-Shme ùeeruee' keÀer mene³elee mes eEnoer meerKeves kesÀ efueS efJeMes<e heéfMe#eCe me$e keÀe Dee³eespeve efkeÀ³ee ie³ee~
6) jepeYee<ee efJeYeeie, ie=n ceb$eeue³e, Yeejle mejkeÀej Deewj veiej jepeYee<ee keÀe³ee&vJe³eve meefceefle³eeW Üeje efveiece kesÀ kegÀue 35 keÀe³ee&ue³eeW keÀes 35
hegjmkeÀejeW mes mecceeefvele efkeÀ³ee ie³ee~
7) Yeejleer³e peerJeve yeercee efveiece keÀes DeeMeerJee&o meeceeefpekeÀ SbJe meeefneql³ekeÀ mebmLee Üeje meeJe&peefvekeÀ Ghe¬eÀceeW keÀer ÞesCeer ceW DeefKeue Yeejleer³e mlej
hej ueieeleej ®eewLes Je<e& he´Lece hegjmkeÀej `®eue-Jewpe³ebleer' mes mecceeefvele efkeÀ³ee ie³ee~ keWÀêer³e keÀe³ee&ue³e keÀes jepeYee<ee ceW Glke=Àä keÀe³e& keÀjves nsleg
DeeMeerJee&o meeceeefpekeÀ Deewj meeefneql³ekeÀ mebmLee Üeje ’he´Lece hegjmkeÀej“ mes mecceeefvele efkeÀ³ee ie³ee~
18. DeefYe³eebef$ekeÀer keÀe³e&keÀueehe:
Je<e& kesÀ oewjeve efveiece ves 5 MeeKee keÀe³ee&ue³e, 7 DeeJeeme FkeÀeF&³eeW keÀe efvecee&Ce osMe Yej ces efkeÀ³ee~ efveiece ves uees[& efmevne jes[, keÀesuekeÀelee ceW hee@efuemeer OeejkeÀ
DeeJeeme ³eespevee kesÀ lenle 20 HeÌuewìeW keÀe Yeer efvecee&Ce efkeÀ³ee Deewj HeÌuewìeW keÀer efye¬eÀer heéf¬eÀ³eeOeerve nw~ ceb[ue keÀe³ee&ue³e I ,pe³ehegj kesÀ Debleie&le MeeKee keÀe³ee&ue³e
YeJeve ef®ejeJee keÀes ,@$!( Üeje ieérve efyeeÅu[ie ÞesCeer ceW 4 mìej jseEìie mes mecceeefvele efkeÀ³ee ie³ee nw~ Men[esue ceW ceb[ue keÀe³ee&ue³e YeJeve keÀe efvecee&Ce
hetje nes ®egkeÀe nw~ 3 ceb[ue keÀe³ee&ue³e YeJeveeW ([erDees pe³ehegj, Þeerveiej Deewj melevee) Deewj 11 MeeKee keÀe³ee&ue³e YeJeveeW kesÀ efueS efvecee&Ce keÀe³e& heíeefle hej
nw~ Deye lekeÀ keÀer íle meewj heerJeer keÀer mLeeefhele #ecelee 2014 aA nw Deewj 44.5 ueeKe FkeÀeF³eeB GlheVe ngF& nQ, efpemekesÀ heefjCeecemJeªhe 31.03.3019 lekeÀ
` 400 ueeKe (ueieYeie) jepemJe keÀer ye®ele ngF& nw~
30
30
meYeer #es$eer³e DeefYe³eeBef$ekeÀer efJeYeeie Deewj keWÀêer³e keÀe³ee&ue³e DeefYe³eebef$ekeÀer efJeYeeie DeeF&SmeDees 9001: 2015 hećeeefCele nw~
19. mecheoe/mee.J³e.F&. :
Fme Je<e& efoveebkeÀ 31.03.2019 keÀes efveiece keÀer mecheoe mes jepemJe ` 338.18 keÀjesæ[ jne pees Jeee|<ekeÀ efkeÀje³ee Dee³e ue#³e kesÀ 90.18… nw~
20. met®evee heéwÐeesefiekeÀer :
SueDeeF&meer ceW met®evee heéwÐeesefiekeÀer keÀer cegK³e efJeMes<eleeSb ë
1) DeebleefjkeÀ SeqhuekesÀMeveeW ceW keÀe³e&jle Deheves keÀce&®eeefj³eeW keÀes megjef#ele keÀe³e&-heefjJesMe heóeve keÀjves kesÀ efueS efÜleer³e keÀejkeÀ yee³eescesefì^keÀ SLeWefìkesÀMeve
efmemìce keÀes ueieYeie SkeÀ-efleneF& mLeueeW hej ef¬eÀ³eeeqvJele efkeÀ³ee ie³ee nw~ efvekeÀì YeefJe<³e ceW Mes<e mLeueeW keÀes Yeer yee³eescesefì^keÀ SLeWefìkesÀMeve kesÀ
Debleie&le Meeefceue efkeÀ³ee peeSiee~
2) heýebOeve met®evee efjheesìeX kesÀ meeLe-meeLe meYeer efJeefve³eecekeÀeW kesÀ efueS [eìe J³ejneGme SkeÀcee$e m$eesle nw~ ³en ueer[ pevejsMeve Deewj ieénkeÀ mebheke&À
kesÀ meeLe-meeLe DeveskeÀ hee@efueefmeJeeues ieénkeÀeW keÀes SkeÀ ner veesefìme mes metef®ele keÀjves kesÀ efueS SkeÀ ueeiele ye®ele m$eesle nw~
3) DeeF&Deej[erSDeeF& ves 07.04.2017 keÀes yeerceekeÀlee&DeeW kesÀ efueS met®evee Deewj meeFyej megj#ee kesÀ yeejs ceW efoMeeefveoxMe peejer efkeÀ³ee nw~ Fve
efoMeeefveoxMeeW kesÀ Devegheeueve kesÀ efueS SueDeeF&meer ves ’mee³eyej megj#ee“ SkeÀkeÀ veecekeÀ SkeÀ ve³es efJeYeeie keÀes me=efpele efkeÀ³ee nw efpemekesÀ efJeYeeieeO³e#e
DeeF&Deej[erSDeeF& Üeje efoS ieS DeeosMeevegmeej cegK³e met®evee megj#ee DeefOekeÀejer neWies~
4) efJeefYeVe Dee¬eÀceCeeW Deewj Jee³ejme KelejeW keÀes hen®eeveves, hekeÀæ[ves, efveiejeveer SJeb heéflemeeo keÀjves kesÀ efueS SueDeeF&meer Üeje cegbyeF& ceW megj#ee he´®eeueve
keWÀê (SmeDeesmeer) keÀe ieþve efkeÀ³ee pee jne nw~
5) SueDeeF&meer Üeje efve³eefcele Deblejeue ceW meYeer keÀce&®eeefj³eeW keÀes met®evee megj#ee mes mebyebefOele ceeceueeW hej heéfMe#eCe efo³ee peelee nw~
SueDeeF&meer ves efvecve keÀer mLeehevee keÀer nw:
De) meeFyej megj#ee hee@efuemeer~
ye) meeFyej Deeheoe heýebOeve ³eespevee (meermeerSceheer)~
me) yees[& Üeje mJeerke=Àle met®evee Je meeFyej megj#ee hee@efuemeer kesÀ Devegªhe met®evee SJeb meeFyej megj#ee Deeéeemeve keÀe³e&¬eÀce(keÀe³ee&vJe³eve keÀer ³eespevee/
efoMeeefveoxMe) yevee³ee ie³ee nw~ Dev³e ìerceeW keÀer mene³elee mes meeFyej megj#ee SkeÀkeÀ Üeje DeeF&Deej[erSDeeF& kesÀ efoMeeefveoxMeeW kesÀ Devegheeueve keÀes
megefveeq½ele efkeÀ³ee peelee nw~
SueDeeF&meer ves efvecve keÀes ueeiet efkeÀ³ee nw :
1) SkeÀerke=Àle vesìJeke&À Fbì¦Meve [erìskeÌMeve efmemìce (SveDeeF&heerSme) / vesìJeke&À Fbì¦Meve [erìskeÌMeve efmemìce (SveDeeF&[erSme) / [eìe
uee@me efhe´JeWMeve ([erSueheer) / Sbìer mheeF&Jes³ej / Sbìer-yee@ì Fl³eeefo kesÀ meeLe Deeieeceer heeræ{er keÀer HeÀ³ej-Jee@ue megj#ee lew³eej efkeÀ³ee nw~
2) uee@ie heýebOeve, meceeblej Deewj meleke&Àlee kesÀ efueS meskeÌ³egefjìer Fbmeer[Wì SC[ FJeWì ceQvespeceWì (SmeDeeF&F&Sce) meceeOeeve (DeeF&Deej[erS
efoMeeefveoxMe kesÀ Devegmeej)~
3) mecem³eeie´mle mLeueeW kesÀ efueS efJeefYeVe mesJee-heóeleeDeeW mes jsef[³ees efHe´ÀkeÌJeWmeer (DeejSHeÀ) eEuekeÌme~
4) met®evee ®ewveue keÀes cepeyetle keÀjves kesÀ efueS vesìJeke&À uesJeue Fbef¬eÀhMeve (ie´ghe Fbef¬eÀhìs[ ìêbmeheesì& Je®eg&Jeue heéFJesì vesìJeke&À peerF&ìerJeerheerSve/
DeeF&heermeskeÀ)~
5) Deheves Fbìjvesì ueerp[ ueeFveeW hej efJeleefjle mesJeeDeeW kesÀ ceveener (Jee@uegcesefì^keÀ Dee¬eÀceCe) kesÀ efueS efveJeejkeÀ Ghee³e~
6) ueeFvekeÌme Deewj eEJe[es efmemìceeW kesÀ efueS Sbìer-Jee³ejme, F&cesue megj#ee iesìJes Deewj Jesye iesìJes megj#ee~
7) owefvekeÀ DeeOeej hej keÀefþveeF³eeW kesÀ efueS JesyemeeFì keÀer Dee@veueeFve mkewÀeEveie kesÀ efueS keÌueeG[ DeeOeeefjle mesJeeSb~
8) memles heÝeeJeer, mkesÀue-³eesi³e Deewj ue®eerues (HeÌueseqkeÌmeyeue) ne[&Jes³ej heéJeOeeve kesÀ efueS heéFJesì keÌueeG[~
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SueDeeF&meer ves efvecve kesÀ efueS keÀoce GþeS nQ:

1) efve³eefcele DeeOeej hej iewhe keÀes Deewj meeLe ner meeLe DeeF&Deej[erSDeeF& keÀer pe©jlees keÀes hen®eeveves kesÀ efueS leLee mece³eye× lejerkesÀ mes FmekesÀ
jeskeÀLeece, ueeiet keÀjves nsleg mLeehevee uesKeehejer#ee, keÀefþveeF& keÀe DeebkeÀueve, hesefveì^sMeve hejer#eCe, vesìJeke&À Deee|keÀìskeÌ®ej meceer#ee, DeeqhuekesÀMeve
megj#ee SJeb keÀes[ meceer#ee ~
2) yeæ[s Deewj ceO³ece keÀe³ee&ue³eeW ceW efveiece Üeje DeeF&Sme uesKeehejer#eCe kesÀ efueS DeeF&Deej[erSDeeF& efoMeeefveoxMeeW kesÀ Devegmeej DevegyebOe-S ceW heefjYeeef<ele
307 efve³eb$eCeeW kesÀ Devegheeueve keÀes megefveeq½ele keÀjvee~
3) uee@ie-keÀueskeÌMeve, ceeefveìeEjie Deewj keÀesjsuesMeve kesÀ efueS mebheefÊe Deewj meskeÌ³egefjìer Fbmeer[Wì SC[ FJeWì ceQvespeceWì (SmeDeeF&F&Sce) ³eb$eeW kesÀ ueeFHeÀ
mee³ekeÀue heýebOeve nsleg mebheefÊe heýebOeve ³eb$e (SSceìer) keÀe keÀe³ee&vJe³eve~
S®e[yu³et meskeÌMeve mes :
1) kesÀ.keÀe. kesÀ efJeYeeieer³e meJe&me& kesÀ efueS meerDees heéFJesì keÌueeG[ ueeiet efkeÀ³ee ie³ee nw~
2) ³etefuehe keWÀêerkeÀjCe kesÀ keÀe³ee&vJe³eve kesÀ efueS DeejSHeÀheer keÀes Debeflece ªhe efo³ee ie³ee~
3) me#ece heéefOekeÀejer Üeje mJeerke=Àle ceeveob[ kesÀ DeeOeej hej heermeerpe, [erceheer, SDeeF&Dees, uewheìe@he Deewj eEhe´ìme& pewmes DeeF&ìer ne[&Jesjme keÀes efjHe´sÀMe
keÀjves heéf¬eÀ³ee MeerIe´ ner Meg© nesiee~
mee@HeÌìJes³ej mebmeeOeve efJeYeeie
³en efveiece kesÀ efueS cenlJehetCe& nw efkeÀ J³eJemee³e heéf¬eÀ³eeDeeW keÀes mebYeeueves keÀer ieefle yeveeS jKeW, SkeÀ yesnlej ieénkeÀ DevegYeJe heóeve keÀjW Deewj meeLe ner meeLe
SkeÀ cepeyetle Deewj meMeÊeÀ DeeF&ìer nmle#eshe kesÀ ceeO³ece mes efye¬eÀer yeæ{eSb~ nceejer DeeF&ìer (mee@HeÌìJes³ej [sJeueheceWì) ìerce veJeervelece lekeÀveerkeÀ keÀe Ghe³eesie
keÀjkesÀ keÀe³eeX keÀes kegÀMeueleehetJe&keÀ Deewj heÝeeJeer {bie mes keÀjves kesÀ efueS nmle#eshe heóeve keÀj jner nw~
Je<e& 2018-19 ceW efJeYeeie Üeje F&-hee@efuemeer peejer keÀjves, Dee@veueeFve SveheerSme he´mleeJeeW kesÀ SkeÀerkeÀjCe, SpeWìdme nsuheueeFve, SceDeeF&Sme ceW JewMuesef<ekeÀer keÀer
MegªDeele, keÀmìcej heesì&ue kesÀ GVe³eve, efpemeces SkeÀ ueeKe mes DeefOekeÀ keÀe owefvekeÀ uee@efieve nw, kesÀ ªhe ceW efJeYeeie Üeje SsefleneefmekeÀ GheueeqyOe³eeW keÀe
DeJeueeskeÀve efkeÀ³ee ie³ee~ ceesyeeFue Sshe keÀe uee@v®e efpemekeÀes meeue kesÀ Deble ceW nceejs 22 ueeKe mes DeefOekeÀ ieénkeÀeW Deewj nceejs SpeWìeW Üeje 1.6 ueeKe
[eGveuees[ efkeÀ³ee ie³ee~
ieénkeÀ keWÀêerkeÀjCe henue pewmes efkeÀ HebÀ[ mìsìceWì keÀer heéeqhle, heesì&ue mes Deefieće heérefce³ece keÀer Yegieleeve keÀer megefJeOee kesÀ DeueeJee veJeerkeÀjCe heérefce³ece keÀe Yegieleeve
hes-ìerSce Deewj DeeF&[eryeerDeeF& yeQkeÀ MeeKeeDeeW ceW Yegieleeve keÀjves kesÀ efJekeÀuhe heóeve efkeÀ³ee ie³ee ~
efJeYeeie ves yeæ[s hewceeves hej ieénkeÀeW kesÀ ueeYe kesÀ efueS efvecveefueefKele ieefleefJeefOe³eeb Yeer Megª keÀeR:
EDMS keÀe FvHe´Àemì^keÌ®ej ceW ceeFie´sMeve~ SpeWìdme Sshe kesÀ meeLe veS huesìHeÀe@ce& hej SpeWì heesì&ue uee@v®e efkeÀ³ee ie³ee~ SueDeeF&meer efHeÀpeer ceW elife hewkesÀpe keÀe
keÀe³ee&vJe³eve Deewj & cee@jerMeme Deewj & yeebiueeosMe ceW DeefleefjÊeÀ mee@HeÌìJes³ej cee@[îetue~
yeercee GÐeesie ceW veF& lekeÀveerkeÀer Deheveeves ces & ncesMee Deefieće hebefÊeÀ cesb jne nw. efJeYeeie lekeÀveerkeÀer DevegmebOeeve Deewj ieénkeÀ DevJes<eCe kesÀ Üeje veJeervelee ueekeÀj
ieénkeÀ he´meVelee kesÀ me=peve kesÀ efueS efJeYeeie keÀes ieJe& nw~
21. DeebleefjkeÀ DebkesÀ#eCe:
Je<e& 2018-19 kesÀ efueS meYeer MeeKeeSB / mewìueeFì Dee@efHeÀme / ceb[ue / #es$eer³e keÀe³ee&ue³eeW Deewj keWÀêer³e keÀe³ee&ue³e kesÀ efJeYeeieeW keÀe Dee@ef[ì efJeefOeJele 31 cee®e&
2019 lekeÀ hetje efkeÀ³ee ie³ee ~ Je<e& 2018-19 kesÀ oewjeve þesme he´³eeme efkeÀS ieS Les ~ heefjCeecemJe©he efheíues Je<e& keÀer leguevee ceW DeefOekeÀ / ieuele Yegieleeve ceW
16.70 heéfleMele keÀer keÀìewleer ngF& nQ ~
DeeF&.ìer. kesÀ Ghe³eesie mes efveiece keÀer heĆeeefue³eeW Deewj heéf¬eÀ³eeDeeW ceW efvejvlej megOeej ueeves nsleg ’efjceesì Dee@ef[ì“ pees Dehe´wue 2013 mes Meg© efkeÀ³ee ie³ee GmeceW
Je<e& 2018-19 ceW efJemleÉle ©he mes Je=×er keÀer ieF& nw~ ’efjceesì Dee@ef[ì“ ceW Deepe kesÀ efleefLe lekeÀ he´MveeJeueer kesÀ 35 heéfleMele he´Mve Meeefceue efkeÀ³es ie³es nw ~
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22. efvejer#eCe :
SueDeeF&meer efJeefvece³eve 1959 kesÀ efJeefve³eceve 47 ces ³en GuuesKe nw : ’efveiece kesÀ Yeejle ces keÀe³e&jle meYeer keÀe³ee&ue³eeW keÀe Je<e& ces SkeÀ yeej efvejer#eCe DeefOekeÀeefj³eeW
Üeje efvejer#eCe efkeÀ³ee peeSiee, pees heýebOe efveos&MekeÀ ³ee keÀe³e&keÀejer efveo&sMekeÀ kesÀ efve³eb$eCe SJeb osKejsKe ces keÀe³e& keÀjsbies“~
Fme lejn efveiece kesÀ meYeer keÀe³ee&ue³eeW keÀe efvejer#eCe nesvee JewOeeefvekeÀ heéJeOeeveeW kesÀ Devegmeej DeefveJee³e& nw Deewj efveiece kesÀ Yeejle ces eqmLele meYeer keÀe³ee&ue³eeW keÀe
efJeÊeer³e Je<e& ces keÀce mes keÀce SkeÀ yeej efvejer#eCe nesiee~
Je<e& 2018-19 kesÀ oewjeve efvejer#eCe ieefleefJeefOe kesÀ efueS keWÀê efyevog efveiece kesÀ Üeje efo³es ieS efoMeeefveoxMeeW keÀe Mele heéfleMele heeueve keÀe jne~ heĆeeueer kesÀ oes<eeW
keÀes jeskeÀves kesÀ he´Lece Ghee³e kesÀ ªhe ces efveiece kesÀ meYeer keÀe³ee&ue³eeW ces efvejer#eCe ieefleefJeefOe³eeW keÀes meb®eeefuele efkeÀ³ee ie³ee Deewj 66.70… MeeKee keÀe³ee&ue³eeW SJeb
86.73… ceC[ue keÀe³ee&ue³eeW keÀes Glke=Àÿ ÞesCeer mecetn (yengle Glke=Àÿ, Glke=Àÿ SJeb GVe³eve Glke=Àÿ) ces DeeBkeÀe ie³ee~ Jeee|<ekeÀ efvejer#eCe kesÀ Ghejeble veJe
J³eJemee³e meceeheve kesÀ yeeo 25… MeeKeeDeeW keÀe efJeMes<e efvejer#eCe efkeÀ³ee ie³ee~ meYeer mJeCe&pe³ebleer HeÀeTb[sMeve heéspeskeÌìdme keÀe Yeer efvejer#eCe Yeer efkeÀ³ee ie³ee~
efvejer#eCe ieefleefJeefOe³eeW kesÀ heefjCeeceesb kesÀ DeeOeej hej peejer efvejer#eCe efjheesìeX keÀe efJeMues<eCe efkeÀ³ee ie³ee leLee keÀæ[s Devegheeueve nsleg keÀne ie³ee~ 25… mes DeefOekeÀ
ceeceueeW ces nesves Jeeues GuuebOeve kesÀ efueS MeeKeeDeeW keÀes keÀe@heexjsì keÀe³e&ue³e mes mebyeeqvOele efJeYeeieeW kesÀ meeLe meebPee efkeÀ³ee ie³ee~ 99… efjheesìeX keÀes he³ee&hle
hegäerkeÀjCe leLee hećeeCeerkeÀjCe kesÀ yeeo 31.03.2019 keÀes yebo keÀj efo³ee ie³ee~
23. veJe J³eJemee³e SJeb hegveyeeacee
veJe J³eJemee³e SJeb hegveyeeacee efJeYeeie keÀe ue#³e, efJeefve³eecekeÀ {eb®es leLee efoMeeefveoxMeeW kesÀ lenle keÀe³e& keÀjles ngS, yeerceeuesKeve keÀe G®®elece o]pee& yeveeS jKevee
leLee efnleeefOekeÀeefj³eeW keÀes G®®e mesJeeSB heóeve keÀjvee nw DeefYeieesheve, efve<he#elee mes peerJeveeW keÀe ®e³eve keÀj Gvns peesefKece mebień ces pees[ves hej SJeb mebień ces
ueeF& ie³eer peesefKeceeW kesÀ Deveg©he Gef®ele heérefce³ece heÝeej ueieeves hej O³eeve keWÀefêle keÀjlee nw~
yeerceeuesKeve hee@efuemeer
nceejer yees[& Devegceesefole yeerceeuesKeve veerefle ces GuuesefKele GÎsM³eeW keÀes O³eeve ces jKekeÀj, yeerceeuesKeve SkeÀ efJeJeskeÀhetCe& Deewj ieénkeÀesvcegKeer lejerkesÀ mes efkeÀ³ee
peelee nw~ ³en hee@efuemeer ,ye=no mlej hej yeercee keÀer GheueyOelee SJeb Gmes Jenve keÀjves keÀer #ecelee Fme efveiece kesÀ GÎsMe keÀer Gef®ele ®e³eve SJeb JeieeakeÀjCe Üeje
hetefle& keÀjleer nw~
%eeve / keÀewMeu³e GVe³eve
nceejs keÀe³ee&ue³e ces yeerceeuesKekeÀeW kesÀ %eeve / keÀewMeu³e GVe³eve keÀjves keÀer ¢eqä mes, yeerceeuesKekeÀeW keÀes efJeefYeVe mesefceveejeW, keÀe³e&MeeueeDeeW Deewj heéfMe#eCe me$eeW
ceW Yespee peelee nw~ kesÀvêer³e keÀe³ee&ue³e kesÀ yeerceeuesKekeÀeW keÀes hegveyeeacee kebÀheefve³ees leLee SmeesefmeSMeve Dee@HeÀ FbM³eesjbme Deb[jje³eìme& Üeje Dee³eesefpele mesceerveejeW
kesÀ efueS heéfMe#eCe nsleg veeefcele efkeÀ³ee peelee nw efpememes Gvns yeerceeuesKeve ceW veJeervelece efve³eceeW leLee he´Je=efÊe³eeW keÀer peevekeÀejer nes mekesÀ~ yegefve³eeoer mlej hej
heefj®eeueve %eeve keÀer Je=×er nsleg hejmhej mebJeeoelcekeÀ cee@[³etue efJekeÀefmele efkeÀ³ee ie³ee nw~
yeerceeuesKeve efoMeeefveoxMeeW ces mebMeesOeve
JeweféekeÀ heefjJele&ve kesÀ meeLe leeuecesue jKeles ngS, nceves yeerceeuesKeve efve³eceeW keÀer meceer#ee keÀer Deewj DeeJeM³ekeÀ he´leerle nesves hej ef®eefkeÀlmekeÀer³e Deewj efJeÊeer³e
yeerceeuesKeve efoMeeefveoxMeeW ceW leovegmeej ítì heóeve keÀer ieF&~
ef[efpeìue henue
veJe-J³eJemee³e keÀer heéf¬eÀ³ee keÀes mejue SJeb megiece yeveeves nsleg, lekeÀveerkeÀer GVeefle keÀes O³eeve ces jKeles ngS veJe-J³eJemee³e SJeb hegveyeeacee efJeYeeie Üeje efJeefYeVe
ef[efpeìue henue keÀer ieF& nw~ mebhetCe& Yeejle Je<e& cebs F&-yeercee hee@efuemeer keÀe heefj®eueve heéjbYe keÀe efo³ee ie³ee nw~
hegveyeeacee
mecemle hegveyeeacee DevegyebOe efJeefYeVe hegveyeeacee efJeefvece³eeW SJeb efJeefYeVe hegveyeeacee Jee®eveer kesÀ meeLe ngF& mebefOe³eeW Üeje he´Meeefmele nesles nw~ hegveyeeacee keÀer mecemle
heéf¬eÀ³eeSb , hegveyeeacee cee@[³etue kesÀ ceeO³ece mes hetCe& keÀer peeleer nw~
24. meleke&Àlee :
Je<e& kesÀ oewjeve, meleke&Àlee efJeYeeie ves keWÀêer³e meleke&Àlee Dee³eesie kesÀ cegK³e efJe<e³e -d" 4+% d keÀes ueeiet keÀjves kesÀ
efueS Deewj efveiece keÀer ieefleefJeefOe kesÀ meYeer #es$eeW ceW uesveosve ceW hetjer heejoe|Melee megefveeq½ele keÀjves kesÀ efueS meYeer he´³eeme efkeÀS nQ ~ hetjs Yeejle ceW mketÀueeW Deewj
33
keÀe@uespeeW ceW heéfle³eesefieleeDeeW, mesefceveej, keÀe³e&Meeuee / mebJesoerkeÀjCe keÀe³e&¬eÀce, ieénkeÀ efMekeÀe³ele efveJeejCe efMeefyejeW pewmeer ieefleefJeefOe³eeW keÀe Dee³eespeve efkeÀ³ee
ie³ee~ heéfleYeeefie³eeW keÀes MeheLe efoueeF& ieF&~ keWÀêer³e meleke&Àlee Dee³eesie keÀer Leerce Jeeues SMS Deewj mel³eefveÿe MeheLe uesves keÀe DevegjesOe ueieYeie 6.89 keÀjesæ[
efnleOeejkeÀeW-HeÀeru[HeÀesme& Deewj hee@efuemeernesu[me& keÀes Yespee ie³ee Lee~ pewmee efkeÀ meerJeermeer Üeje efJeMes<e ªhe mes heefjkeÀequhele efkeÀ³ee ie³ee Lee, osMe kesÀ efJeefYeVe
efnmmeeW ceW 178 peeieªkeÀlee ieéce meYeeDeeW keÀe meb®eeueve keÀjkesÀ ieéceerCe Deewj DeOe& Menjer #es$eeW ceW meleke&Àlee peeieªkeÀlee hewoe keÀer ieF& Leer~ meerJeermeer kesÀ
efoMeeefveoxMeeW kesÀ Devegmeej, Fbìerefie´ìer hewkeÌì PQ, nceejs mebieþve keÀer Kejero heéf¬eÀ³eeDeeW ceW keÀe³ee&eqvJele efkeÀ³ee pee jne nw~
FmekesÀ DeueeJee, meef¬eÀ³e efveJeejkeÀ meleke&Àlee Üeje heĆeeueer kesÀ cegÎeW, ³eefo keÀesF& nes, GvekesÀ megOeej keÀer hen®eeve keÀj, GvekesÀ megOeej nsleg Ghee³e efkeÀS ieS | uebefyele
meleke&Àlee ceeceueeW keÀes efveheìeS peeves nsleg efJeMes<e he´³eeme efkeÀS ie³es ~
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25. efveieefcele meeceeefpekeÀ GÊejoeef³elJe

I) mecetn ³eespeveeSb SJeb meeceeefpekeÀ megj#ee :
efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le oeJes
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve, veer®es efoS ieS y³eesjeW kesÀ Devegmeej, meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le ` 1,559.98 keÀjesæ[ keÀer OevejeefMe
mes 1,33,731 oeJeeW keÀe Yegieleeve efkeÀ³ee ie³ee Lee~
efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le oeJes
oeJes
³eespevee mebK³ee OevejeefMe ` (000)
heerScepes[erJeeF& 666 19,980
ªheebleefjle heerScepespesyeerJeeF& 67,416 1,34,82,330
ªheebleefjle SSyeerJeeF& 39,070 12,31,852
SSyeerJeeF& 24,255 8,36,363
SmeSmepeerSme 2,324 29,222
peesæ[ 1,33,731 1,55,99,747
efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ veece
mebef#ehleerkeÀjCe ³eespevee keÀe veece
heerScepes[erJeeF& heÓeeveceb$eer peve Oeve ³eespevee
ªheebleefjle heerScepespesyeerJeeF& ªheebleefjle heÓeeveceb$eer peerJeve p³eesefle yeercee ³eespevee
ªheebleefjle SSyeerJeeF& ªheebleefjle Deece Deeoceer yeercee ³eespevee
SSyeerJeeF& Deece Deeoceer yeercee ³eespevee
SmeSmepeerSme meeceeefpekeÀ megj#ee mecetn ³eespevee
meeceeefpekeÀ megj#ee keÀJej (heerScepes[erJeeF& meefnle)
efJeÊeer³e Je<e& 2018-19 kesÀ oewjeve efJeefYeVe meeceeefpekeÀ megj#ee ³eespeveeDeeW kesÀ Debleie&le kegÀue 4.48 keÀjesæ[ J³eefÊeÀ yeerefcele efkeÀS ieS Les~
II) efveJesMe Deewj meeceeefpekeÀ GÊejoeef³elJe
31 cee®e&, 2019 keÀes efveiece kesÀ kegÀue efveJesMe ` 29,84,331.25 keÀjes[ jeefMe kesÀ Les~ efoveebkeÀ 31 cee®e&, 2019 lekeÀ efveiece kesÀ efveJesMe keÀe efJemle=le
JeieeakeÀjCe meejCeer 6 ceW efo³ee ie³ee nw~
Je<e& 2018-19 kesÀ oewjeve efveiece ves Yeejle mejkeÀej keÀer heéfleYetefle³eeW kesÀ ve³es efveie&ce Deewj efJeefYeVe jep³e mejkeÀejes Üeje peejer efkeÀS ieS $eÝCe efveie&ceeW
ceW (Dev³e Devegceesefole heéfleYetefle kesÀ meeLe) ¬eÀceMeë ` 1,43,476.94 keÀjes[ (hegmlekeÀ cetu³e) Deewj ` 85,144.08 keÀjes[ (hegmlekeÀ cetu³e) keÀer jeefMe
keÀe DeefYeoeve efkeÀ³ee~
meeceeefpekeÀ GÊejoeef³elJe –
DeefOekeÀeefOekeÀ ueesieeW keÀes megj#ee heóeve keÀjvee SJeb mebkeÀefuele ye®eleeW keÀes pevekeÀu³eeCe kesÀ keÀe³e& ceW ueieevee efveiece keÀe efvejblej he´³eeme jne nw~
Fme ue#³e keÀer heéeqhle kesÀ efueS efveiece efvecveefueefKele DeeOeejYetle mebj®evee Deewj meceepeesvcegKeer efveJesMeeW kesÀ ceeO³ece mes meceepe keÀu³eeCe keÀe keÀe³e& keÀj
jne nw:
O efyepeueer Glheeove Deewj efJelejCe keÀer heefj³eespeveeSb / ³eespeveeSb
O DeeJeeme #es$e
35
O peueehete|le Deewj ceueefvemleejCe #es$e / ³eespeveeSb

O me[keÀ, hegue, me[keÀ heefjJenve SJeb jsueJes keÀe efJekeÀeme
Je<e& 2018-19 kesÀ oewjeve Ghej kesÀ #es$eeW ces efveJesMe keÀer kegÀue jeefMe ` 20,596.93 keÀjes[ nw Jen meejCeer 7 ces oer ieF& nw~ kesÀvêer³e, jep³e SJeb Dev³e
mejkeÀejer ieejbìer³egÊeÀ efJeheCeve ³eesi³e heéfleYetefle³eeW Deewj DeeOeejYetle mebj®evee leLee meceepeesvcegKeer #es$eeW ceW Mes³ej, $eÝCe Deewj $eÝCehe$e kesÀ ©he ces
kegÀue efveJesMe 31 cee®e&, 2019 keÀes ` 21,40,106.25 keÀjes[ nw~
III) Sue DeeF& meer mJeCe&pe³ebleer HeÀeTb[sMeve :
Sue.DeeF&.meer. mJeCe&pe³ebleer HeÀeTb[sMeve keÀer mLeehevee Sue.DeeF&.meer kesÀ efveieefcele meeceeef³ekeÀ oeef³elJe kesÀ SkeÀ Yeeie kesÀ ©he ceW Je<e& 2006 ceW ngF&~
HeÀeTb[sMeve kesÀ GÎsM³e iejeryeer DeLeJee heer[e mes jenle, Mew#eefCekeÀ GVeefle,ef®eefkeÀlmeer³e jenle leLee Deece pevelee kesÀ efnleeLe& Dev³e efkeÀmeer efJe<e³e ceW
megOeej nw ~ efo. 31.03.2019 lekeÀ peerJeve yeercee efveiece ves `Sue.DeeF&.meer. mJeCe&pe³ebleer HeÀeTb[sMeve ì£mì keÀes ` 200 keÀjes[ kesÀ keÀe@he&me keÀer Deehege|le
keÀer Deewj Dee|pele y³eepe keÀes HeÀeTb[sMeve Üeje efJeefYeVe hejeshekeÀejer he´³eespeveeW kesÀ efueS oeve efkeÀ³ee ie³ee~ mLeehevee mes Deye lekeÀ HeÀeTb[sMeve ves GÊeÀ
GÎsM³eeW keÀes mecee|hele iewj-mejkeÀejer mebieþveeW keÀes hegjs osMeYej ces eqmLele 499 heefj³eespeveeDeeW kesÀ ceeO³ece mes mene³elee heóeve keÀer nw~ GÊeÀ #es$eeW ceW
GheueyOe mebj®eveelcekeÀ mene³elee kesÀ ceeO³ece mes HeÀeTb[sMeve meceepe kesÀ keÀF& Jebef®ele JeieeX lekeÀ hengb®ee nw~
Sue.DeeF&.meer. mJeCe&pe³ebleerr íe$eJe=efÊe ³eespevee, HeÀeTb[sMeve efkeÀ SkeÀ Deewj henue nw pees meceepe kesÀ Deee|LekeÀ ¢eqä mes keÀcepeesj JeieeX kesÀ ye®®eeW keÀes
GvekesÀ mveelekeÀ/J³eeJemeeef³ekeÀ heeþîe¬eÀce lekeÀ keÀer G®®e efMe#ee heéhle keÀjves nsleg heéfle Je<e& ` 10000/- keÀer oj mes íe$eJe=efÊe³eeb heóeve keÀjleer nw~
efo. 31.03.2019 lekeÀ Fme ³eespevee Üeje 15,196 efJeÐeeLeea ueeYeeeqvJele ngS nw~
36
36
26. keÀe@heexjsì DeefYeMeemeve

De®ís keÀe@heexjsì DeefYeMeemeve ceW efveÿe efveiece kesÀ J³eJemee³e DeeOeej kesÀ oMe&ve keÀe SkeÀ DeefYeVe Debie nw ~ De®ís keÀe@heexjsì DeefYeMeemeve keÀer heéf¬eÀ³eeDeeW kesÀ
mebmLeeveelcekeÀ he´®eueveeW kesÀ heerís ®eeuekeÀ yeue kesÀ ªhe ceW mejkeÀej, efveiece kesÀ keÀce&®eeefj³eeW leLee DeefYekeÀlee& yeue Deewj Ghe meefceefle De®íe keÀe@heexjsì
DeefYeMeemeve meYeer mlej hej cetu³eeOeeefjle veerefle³eeW Deewj keÀe³e&heĆeeefue³eeW kesÀ met$eerkeÀjCe kesÀ DeueeJee heefj®eeueveelcekeÀ heejoe|Melee, met®evee kesÀ Deeoeve-heóeve
leLee meYeer Mes³ejOeejkeÀeW kesÀ meeLe ueieeleej mebJeeo kesÀ efueS ncesMee he´sefjle keÀjlee nw~ De®ís keÀe@heexjsì DeefYeMeemeve kesÀ efueS J³eJenej ves nceW Deheves yeéb[
FeqkeÌJeìer, mìskeÀnesu[j kesÀ efJeéeeme keÀer MeefÊeÀ keÀes yeæ{eves ceW meceLe& efkeÀ³ee nw SJeb mebmLee ceW SkeÀ mJemLe DeewÐeesefiekeÀ ceenewue keÀes yeveeS jKee nw ~ Deheves ieénkeÀ
kesÀ heéfle mebmLeeiele kesÀvêerkeÀjCe keÀer Je®eveye×lee SJeb GvekesÀ ³eesieoeve kesÀ HeÀuemJeªhe nceejs J³eJemee³e ceW efjkeÀe@[& Je=ef× ngF& nw~
DeeF&Deej[erSDeeF& (yeercee kebÀheefve³eeW keÀer efJeÊeer³e efJeJejCeeW Deewj uesKee hejer#ekeÀeW keÀer efjheesì& lew³eej keÀjvee) efJeefve³ece, 2002 ves efJeÊeer³e efJeJejCeeW ceW kegÀí
he´keÀìerkeÀjCe efveOee&efjle efkeÀS nQ~
1. yees[& DeefYeMeemeve mebj®evee kesÀ yeejs ceW he´keÀìerkeÀjCe kesÀ ªhe ceW Meeefceue nw
JeÀ. efJeÊeer³e Je<e& ceW Dee³eesefpele yees[& Deewj efkeefYevve meefceefle³eeW keÀer yewþkeÀeW keÀer mebK³ee
Ke. yees[& keÀer mebj®evee DeefOeosefMele meefceefle³eeW keÀe efJeJejCe, efveosMekeÀeW kesÀ veece, efveosMekeÀ heo keÀer efJeMes<e%elee keÀe #es$e Deeefo meefnle
ie. efveosMekeÀeW Deewj meefceefle kesÀ meom³eeW Üeje GheefmLele yewþkeÀ keÀer mebK³ee
Ie. mJeleb$e efveosMekeÀeW keÀes Yegieleeve efkeÀS ieS heeefjÞeefcekeÀ keÀe efJeJejCe
Ghe³eg&ÊeÀ DeebkeÀæ[s veer®es efoS ieS nQ
Je<e& 2018-2019 kesÀ oewjeve efveiece kesÀ meom³e
veece Je heoveece Mew#eefCekeÀ ³eesi³elee efJeMes<e%elee keÀe efveosMekeÀeefjlee kegÀue yewþkeÀ ceW kegÀue yewþkeÀ
#es$e keÀe heo GheeqmLeefle MegukeÀ heóÊe
Þeer Sce. Deej. kegÀceej, DeO³e#e (14.03.2019 mes) yeer. Smemeer, uee³emesbefMeSsì yeercee DeO³e#e 00 ueeiet vener
Þeer Jeer. kesÀ. Mecee&, DeO³e#e (mesJeeefveJe=Êe 31.12.2018 mes) Sce. Sme. meer. yeercee DeO³e#e 05 ueeiet vener
Þeer nsceble Yeeie&Je, heýebOe efveosMekeÀ (14.03.2019 mes) Sce S (DeLe&Meem$e ) yeercee heýebOe efveosMekeÀ 05 ueeiet vener
DeO³e#e (heÝeejer) SbJe heýebOe efveosMekeÀ
(01.01.2019 mes 13.03.2019 lekeÀ)
heýebOe efveosMekeÀ (10.02.2017 mes 31.12.2018 lekeÀ)
Þeerceleer T<ee meebieJeeve, heýebOe efveosMekeÀ DeLe&Meem$e ceW mveelekeÀesÊej, yeercee heýebOe efveosMekeÀ 03 ueeiet vener
(mesJeeefveJe=Êe 30.09.2018 mes) heerpeer[erSce (ce. meb. he´.)
Þeer yeer. JesCetieesheeue, heýebOe efveosMekeÀ yeer. keÀe@ce yeercee heýebOe efveosMekeÀ 06 ueeiet vener
Þeerceleer megveerlee Mecee&, heýebOe efveosMekeÀ Sce. Sme. meer. yeercee heýebOe efveosMekeÀ 04 ueeiet vener
(mesJeeefveJe=Êe 31.03.2019 mes) (peblet efJe%eeve)
Þeer ìer. meer. megMeerue kegÀceej, heýebOe efveosMekeÀ (14.03.2019 mes) Sce S yeercee heýebOe efveosMekeÀ 00 ueeiet vener
Þeer megYee<e ®evê ieie&, efkelle meef®eJe, efJeÊe ceb$eeue³e, Yeejle yeer. keÀe@ce, Sue. Sue.yeer., DeLe&Meem$e Deewj meom³e 04 ueeiet vener
mejkeÀej (FmleerheÀe -27.03.2019 mes) meer.[yuet.S., meer. Sme. ueeskeÀ he´Meemeve
Þeer efiejerMe ®evê cegcet&, meef®eJe, J³e³e efJeYeeie, efJeÊe ceb$eeue³e, yeer. S. (Deeveme&), DeLe&Meem$e Deewj meom³e 05 ueeiet vener
Yeejle mejkeÀej Sce.S.(jepeveerefle Meem$e), ueeskeÀ he´Meemeve
SceyeerS (heeqyuekeÀ mesJee -
FbìjvesMeveue)
Þeer Deéeveer kegÀceej, hetJe& -DeO³e#e SJeb heýebOe efveosMekeÀ, osvee yeQkeÀ Sce. Sme. meer.(jmee³eve), yeQeEkeÀie meom³e 03 60,000
(16.11.2018 lekeÀ) meerSDeeF&DeeF&yeer
37
Þeerceleer Sefueme peer Jewod³eve, DeO³e#e SJeb heýebOe efveosMekeÀ, heerpeer (Debie´speer), yeercee heosve meom³e 04 ueeiet vener
peerDeeF&meer js SHeÀDeeF&DeeF&DeeF&
Þeerceleer heodcepee ®egb[g©, DeO³e#e SJeb heýebOe efveosMekeÀ, Sce. keÀe@ce, jeäêr³e Deewj meom³e 01 ueeiet vener
Fbef[³eve yeBkeÀ (16.11.2018 mes) meerSDeeF&DeeF&yeer Deeblej jeäêr³e
yeQeEkeÀie
Þeer efyeceueWog ®e¬eÀyeleea yeer.keÀe@ce., SmeerS yeercee iewj mejkeÀejer 06 1,20,000
meom³e
Þeer jJeervê veeLe ®elegJexoer yeer.keÀe@ce., SHeÀmeerS, efJeÊe SJe uesKee iewj mejkeÀejer 06 1,20,000
[erDeeFSmeS meom³e
Þeer Deej. ®ebêMesKejve yeer.keÀe@ce., [erSceSme, yeercee iewj mejkeÀejer 06 1,20,000
meerSDeeF&DeeF&yeer, meom³e
DeeFmeer[yuetS (DeeF&),
mee|ìefHeÀkesÀì Fve
keÀch³etìj mee@HeÌìJes³ej,
SHeÀDeeF&DeeF&DeeF&,
SmeerDeeF&DeeF& (³etkesÀ),
SDeeF&DeejSce (³etkesÀ)
Je<e& kesÀ oewjeve ín yees[& keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
efveiece kesÀ Jele&ceeve meom³e *
efJeMes<e%elee keÀe efveosMekeÀeefjlee keÀe
veece Je heoveece Mew#eefCekeÀ ³eesi³elee
#es$e heo
Þeer Sce. Deej. kegÀceej, DeO³e#e yeer. Smemeer, uee³emesbefMeSsì yeercee DeO³e#e
Þeer ìer. meer. megMeerue kegÀceej, heýebOe efveosMekeÀ Sce S yeercee heýebOe efveosMekeÀ
Þeer efJeefheve Deevevo, heýebOe efveosMekeÀ yeer. Smemeer yeercee heýebOe efveosMekeÀ
Þeer efiejerMe ®evê cegcet&, meef®eJe, J³e³e efJeYeeie, yeer. S. (Deeveme&), Sce.S.(jepeveerefle Meem$e), DeLe&Meem$e Deewj ueeskeÀ meom³e
efJeÊe ceb$eeue³e, Yeejle mejkeÀej SceyeerS (heeqyuekeÀ mesJee - FbìjvesMeveue) he´Meemeve
Þeer osyeeMeerøe heeb[e, DeefleefjÊeÀ meef®eJe, Sce. Smemeer, (YeewefleJeÀ efke%eeve), Sce. efheÀue DeLe&Meem$e Deewj ueeskeÀ meom³e
efJeÊe ceb$eeue³e, Yeejle mejkeÀej (he³ee&kejCe efke%eeve) he´Meemeve
Þeerceleer heodcepee ®egb[g©, DeO³e#e SJeb heýebOe efveosMekeÀ, Sce. keÀe@ce, meerSDeeF&DeeF&yeer jeäêr³e Deewj Deeblej meom³e
Fbef[³eve yeBkeÀ jeäêr³e yeQeEkeÀie
Þeer efyeceueWog ®e¬eÀyeleea yeer. keÀe@ce., SmeerS yeercee iewj mejkeÀejer meom³e
Þeer jJeervê veeLe ®elegJexoer yeer. keÀe@ce., SHeÀmeerS, [erDeeFSmeS efJeÊe SJe uesKee iewj mejkeÀejer meom³e
Þeer Deej. ®ebêMesKejve yeer. keÀe@ce., [erSceSme, meerSDeeF&DeeF&yeer, yeercee iewj mejkeÀejer meom³e
DeeFmeer[yuetS (DeeF&), mee|ìefHeÀkesÀì Fve
keÀch³egìj mee@HeÌìJesj, SHeÀDeeF&DeeF&DeeF&,
SmeerDeeF&DeeF& (³etkesÀ), SDeeF&DeejSce (³etkesÀ)
*efoveebkeÀ 25.10.2019
38
38
Je<e& 2018-2019 kesÀ oewjeve efJeefYeVe meefceefle³eeW kesÀ meom³e

keÀe³e&keÀejer meefceefle kesÀ meom³e
meom³e kesÀ veece yewþkeÀeW ceW GheeqmLeefle kegÀue yewþkeÀ MegukeÀ heóÊe
Þeer Jeer. kesÀ. Mecee& (31.12.2018 lekeÀ) 04 ueeiet vener
Þeerceleer T<ee meebieJeeve (30.09.2018 lekeÀ) 01 ueeiet vener
Þeer Deéeveer kegÀceej (16.11.2018 lekeÀ) 03 30,000
Þeerceleer Sefueme peer Jewod³eve 03 ueeiet vener
Þeer nsceble Yeeie&Je 05 ueeiet vener
Þeer yeer. JesCetieesheeue (17.10.2018 mes) 05 ueeiet vener
Þeerceleer megveerlee Mecee& (11.01.2019 mes 31.03.2019 lekeÀ) 04 ueeiet vener
Þeerceleer heodcepee ®egb[g© (29.11.2018 mes) -- ueeiet vener
Je<e& 2018-19 kesÀ oewjeve heeb®e keÀe³e&keÀejer meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee~
efveJesMe meefceefle kesÀ meom³e
Þeer Sce. Deej. kegÀceej (22.03.2019 mes) 01 ueeiet vener
Þeer nsceble Yeeie&Je 09 ueeiet vener
Þeerceleer megveerlee Mecee& (31.03.2019 lekeÀ) 07 ueeiet vener
Þeer efiejerMe ®evê cegcet& 09 ueeiet vener
Þeerceleer heodcepee ®egb[g© ( 29.11.2018 mes) 01 ueeiet vener
Þeer ìer. meer. megMeerue kegÀceej (efJeMes<e DeefleefLe 22.03.2019 mes) 01 ueeiet vener
Þeer efyeceueWog ®e¬eÀyeleea (22.02.2019 mes) 01 ueeiet vener
Þeer efovesMe heble 10 ueeiet vener
Je<e& 2018-19 kesÀ oewjeve ome efveJesMe meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
uesKee hejer#eCe meefceefle kesÀ meom³e
Þeer yeer. JesCetieesheeue 07 ueeiet vener
Þeer jJeervê veeLe ®elegJexoer 07 60,000
Þeerceleer heodcepee ®egb[g© (29.11.2018 mes) 01 ueeiet vener
Je<e& 2018-19 kesÀ oewjeve meele uesKee hejer#eCe meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
peesefKece heýebOeve meefceefle kesÀ meom³e
Þeer yeer. JesCetieesheeue 04 ueeiet vener
Þeer efyeceueWog ®e¬eÀyeleea 04 30,000
Þeerceleer heodcepee ®egb[g© (29.11.2018 mes) 01 ueeiet vener
Je<e& 2018-19 kesÀ oewjeve ®eej peesefKece heýebOeve meefceefle keÀer yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee ~
hee@efuemeerOeejkeÀ mebj#eCe meefceefle kesÀ meom³e
Þeer nsceble Yeeie&Je (10.01.2019 lekeÀ) 02 ueeiet vener
Þeer Deej. ®ebêMesKejve 04 30,000
[e@. mvesnuelee osMecegKe (21.06.2018 mes) 02 ueeiet vener
Þeerceleer megveerlee Mecee& (11.01.2019 mes 31.03.2019 lekeÀ) 01 ueeiet vener
Je<e& 2018-19 kesÀ oewjeve ®eej yewþkeÀes keÀe Dee³eespeve efkeÀ³ee ie³ee~
39
YeJeve meueenkeÀej meefceefle kesÀ meom³e

Þeer Jeer. kesÀ. Mecee& (31.12.2018 lekeÀ) -- ueeiet vener
Þeerceleer T<ee meebieJeeve (30.09.2018 lekeÀ) -- ueeiet vener
Þeer nsceble Yeeie&Je (11.01.2019 mes) 01 ueeiet vener
Þeerceleer megveerlee Mecee& (17.10.2018 mes 31.03.2019 lekeÀ) -- ueeiet vener
Þeer Deéeveer kegÀceej (16.11.2018 lekeÀ) -- ueeiet vener
Þeer S yeer JewÐe 01 10,000
Þeer meewefJekeÀ yevespeea 01 10,000
Je<e& 2018-19 kesÀ oewjeve SkeÀ YeJeve meueenkeÀej meefceefle keÀer yewþkeÀ keÀe Dee³eespeve efkeÀ³ee ie³ee ~
ueeYe meefnle meefceefle kesÀ meom³e
Þeer nsceble Yeeie&Je (11.01.2019 mes) -- ueeiet vener
Þeer Deej. ®ebêMesKejve 01 10,000
Þeer Sve. Sce. ieesJeOe&ve 01 10,000
Þeer efovesMe heble 01 ueeiet vener
Je<e& 2018-19 kesÀ oewjeve SkeÀ ueeYe meefnle ®egveeJe meefceefle keÀer yewþkeÀ keÀe Dee³eespeve efkeÀ³ee ie³ee ~
met®evee heéwÐeesefiekeÀer jCeveerefle meefceefle kesÀ meom³e
Þeer jJeervê veeLe ®elegJexoer 01 10,000
Þeer yeer. JesCetieesheeue (17.10.2018 mes) -- ueeiet vener
Þeerceleer megveerlee Mecee& (17.10.2018 mes 31.03.2019 lekeÀ) -- ueeiet vener
Ö¾¾s. [e@. Deesce oceeveer (22.02.2019 mes) -- ueeiet vener
Je<e& 2018-19 kesÀ oewjeve SkeÀ met®evee heéwÐeesefiekeÀer jCeveerefle keÀer yewþkeÀ keÀe Dee³eespeve efkeÀ³ee ie³ee ~
heeefjÞeefcekeÀ meefceefle kesÀ meom³e
Þeer efiejerMe ®evê cegcet& -- ueeiet vener
Þeerceleer Sefueme peer Jewod³eve -- ueeiet vener
Je<e& 2018-19 kesÀ oewjeve SkeÀ Yeer yewþkeÀ keÀe Dee³eespeve vener efkeÀ³ee ie³ee ~
efJeueHegÀue ef[HeÀuìj meceer#ee meefceefle kesÀ meom³e
Þeer nsceble Yeeie&Je (11.01.2019 mes) ueeiet vener
Mes³ejOeejkeÀ efveosMekeÀ ®egveeJe meefceefle kesÀ meom³e
Þeer nsceble Yeeie&Je -- ueeiet vener
Þeer yeer. JesCetieesheeue (11.01.2019 mes) -- ueeiet vener
40
40
keÀ) yeercee kebÀheveer kesÀ efJeÊeer³e Deewj heefj®eeueve Devegheele hej cee$eelcekeÀ Deewj iegCeelcekeÀ peevekeÀejer DeLee&led keÀceerMeve Deewj J³e³e Devegheele
yeercee kebÀheveer kesÀ efJeÊeer³e Deewj he´®eeueve Devegheele hej cee$eelcekeÀ Deewj iegCeelcekeÀ oesveeW met®eveeJeeoer efjheesì& Deewj mJeleb$e uesKee hejer#ekeÀeW heýebOeve efjheesì& ceW
he´mlegle keÀer ieF& nw - Devegmet®eer 15 keÀ osKeW~
Ke) JeemleefJekeÀ mee@uJeWme ceee|peve efJeJejCe DeeJeM³ekeÀ ceee|peve keÀer leguevee
MeesOeve #ecelee Devegheele keÀe efJeJejCe veer®es efoS ieS nQ :
efJeJejCe efJeÊe Je<e& 2018-19 efJeÊe Je<e& 2017-18
JeemleefJekeÀ meceeOeeve Devegheele /
2H0 2G3
DeeJeM³ekeÀ meceeOeeve Devegheele
ie) peerJeve yeercee J³eJemee³e ceW ueies yeerceekeÀlee&DeeW keÀes GvekesÀ Üeje yes®eer ie³eer hee@efuemeer³eeW kesÀ melele Devegheele keÀe Kegueemee keÀjvee nesiee
¬eÀceebkeÀ efJeJejCe 31.03.2019 31.03.2018
1 13 JeW cenerves kesÀ efueS
hee@efuemeer³eeb keÀer mebK³ee kesÀ Üeje HH00g HH00g
Jeee|<ekeÀ heérefce³ece Üeje KK00g KH00g
/ 25 JeW cenerves kesÀ efueS
hee@efuemeer³eeb keÀer mebK³ee kesÀ Üeje H000g G300g
Jeee|<ekeÀ heérefce³ece Üeje K200g H300g
L 37 JeW cenerves kesÀ efueS
hee@efuemeer³eeb keÀer mebK³ee kesÀ Üeje GM00g GL00g
Jeee|<ekeÀ heérefce³ece Üeje HG00g HL00g
M 49 JeW cenerves kesÀ efueS
hee@efuemeer³eeb keÀer mebK³ee kesÀ Üeje G000g GL00g
Jeee|<ekeÀ heérefce³ece Üeje H000g HH00g
5 61 JeW cenerves kesÀ efueS
hee@efuemeer³eeb keÀer mebK³ee kesÀ Üeje G200g ML00g
Jeee|<ekeÀ heérefce³ece Üeje HL00g G900g
Ie) efJekeÀeme oj Deewj yeercee kebÀheveer keÀer Jele&ceeve efJeÊeer³e eqmLeefle meefnle efJeÊeer³e heóMe&ve
efJekeÀeme oj Deewj Jele&ceeve efJeÊeer³e eqmLeefle meefnle efJeÊeer³e efve<heeove Jee<ekeÀ efjheesì& keÀer mJeleb$e uesKee hejer#ekeÀ keÀer efjheesì& ceW he´mlegle efkeÀ³ee ie³ee nw~
›) peesefKece heýebOeve JeemlegkeÀuee keÀe efJeJejCe
SueDeeF&meer Yeejleer³e efJeÊeer³e yeepeejeW ceW meyemes yeæ[e mebmLeeiele efveJesMekeÀ nw~ FmekesÀ efJeMeeue ]HebÀ[ keÀes efJeefJeOe heefjmebheefÊe JeieeX kesÀ yeer®e DeeJebefìle efkeÀ³ee ie³ee nw
pees yeepeej peesefKece, $eÝCe peesefKece, y³eepe oj peesefKece, lejuelee peesefKece Deewj heéflehe#e peesefKece pewmes efJeefYeVe peesefKeceeW mes heÝeeefJele neslee nw~ efJeÊeer³e yeepeejeW
ceW Fme lejn kesÀ efJeefJeOe efveJesMees mes GlheVe nesves Jeeues Fve peesefKeceeW keÀes ueieeleej efveiejeveer, ceeheves Deewj keÀce keÀjves kesÀ efueS SkeÀ cepeyetle peesefKece heýebOeve mebj®evee
keÀer DeeJeM³ekeÀlee nw~ efveJesMe peesefKeceeW keÀes efvejblej DeeOeej hej J³eJeeqmLele ªhe mes hen®eeve efkeÀ³ee peelee nw Deewj Fve peesefKeceeW keÀes Jew%eeefvekeÀ lejerkesÀ mes mebyeesefOele
keÀjves kesÀ efueS heéCeeefue³eeW Deewj heéf¬eÀ³eeDeeW keÀe efJekeÀeme efkeÀ³ee ie³ee nw leeefkeÀ ve kesÀJeue hee@efuemeerOeejkeÀeW keÀe HebÀ[ mebjef#ele jns yeequkeÀ GvekeÀer Gef®ele heéfleHeÀue
keÀer Gcceeros Yeer hetjer keÀer pee mekesÀ ~ efveiece peesefKece heýebOeve hej efvejblej mebieþveelcekeÀ O³eeve jKeves kesÀ efueS heéfleye× nw Deewj peesefKece ¢eqäkeÀjCe, peesefKece
he´Meemeve, peesefKece hen®eeve, peesefKece ceehe, peesefKece heýebOeve, peesefKece efveiejeveer Deewj peesefKece efjheese\ìie pewmes #es$eeW keÀe meceeJesMeve keÀjves kesÀ efueS SkeÀ peesefKece
heýebOeve veerefle efveiece kesÀ heeme nw~
efveJesMe meb®eeueve efJeYeeie keÀes heéLeefcekeÀ / efÜleer³ekeÀ FeqkeÌJeìer yeepeejeW ceW Gef®ele efveJesMe efveCe&³e uesves kesÀ efue³es me#ece yeveeves nsleg DeLe&J³eJemLee, J³eJemee³e #es$eeW Deewj
kebÀheefve³eeW kesÀ efJekeÀeme keÀes FeqkeÌJeìer efjme®e& efjheesì& kesÀ ceeO³ece mes ueieeleej DeO³e³eve efkeÀ³ee peelee nw~
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®e) DeJeefOe kesÀ efJeJejCe kesÀ meeLe metef®ele, efveheìeve Deewj uebefyele oeJeeW keÀer mebK³ee keÀe efJeJejCe
efJeÊeer³e Je<e& 2018-2019 kesÀ efueS oeJee efveheìeve Fme he´keÀej nw
31.03.2019 keÀer DeJeefOe kesÀ efueS Yegieleeve efkeÀS ieS oeJeeW keÀer mebK³ee Yegieleeve efkeÀS
kegÀue oeJeeW
heefjhekeÌJelee 1 Je<e& Deewj ieS oeJeeW keÀer
¬eÀceebkeÀ oeJeeW kesÀ he´keÀej 3-6 6 cenerves - keÀe Yegieleeve
hej ³ee 1 cenervee 1 - 3 cenerves Gmemes kegÀue jeefMe
(` keÀjesæ[ ceQ)
cenerves 1 Je<e& (mebK³ee)
Gmemes henues DeefOekeÀ
2 heefjhekeÌJelee oeJes GLL/LK2 LGL02M9 2GH/9G0 H003K9 55757 LHLLG 22223MM2 22/9HGLM
/ GÊej peerefJelee ueeYe 222GHKMH 2/3GLL0 309L/3 M/0HHG K39LK 9/H/2 2L3MLH/K L/HK0K/
L
/2K92M0L /L99M0G //H9G0 2G090L 2L2/00 //9L/2 /M9/923/ 20H22L/K
Jeee|<ekeÀer heWMeve kesÀ
efueS
M DeY³ehe&Ce kesÀ efueS
(DevegjesOe keÀer leejerKe M229 G0KK/LH 2GH293 23MGM MMH 0 G/GHMGL H92HL23
mes)
G
/KK93 GM 0 0 0 0 /K3G/ G/H
Dev³e ueeYe (DevegjesOe
keÀer leejerKe mes)
2
0 9MHL39 L/LLM 2LMG9 /G0 MG 99/MKK 2KMH3ML
ce=l³eg oeJes (met®evee
31 cee®e&, 2019 lekeÀ oeJeeW keÀer Gce´ Fme he´keÀej Leer:
heefjhekeÌJelee kesÀ GÊej peerefJelee Jeee|<ekeÀer heWMeve kesÀ
¬eÀceebkeÀ oeJee DevegYeJe ce=l³eg kesÀ efueS DeY³ehe&Ce kesÀ efueS Dev³e ueeYe
efueS ueeYe efueS
9/9 MLLLM9 M0 20G23M 0 0
2
DeJeefOe keÀer Meg©Deele ceW yekeÀe³ee
oeJes
2003999 2//HKGH2 2M2GGGG2 H0K/G3L G/GHMGL /K3G/
/
Fme DeJeefOe kesÀ oewjeve efjheesì& efkeÀS
ieS oeJes
99/MKK 22223MM2 2L3MLH/K H0HLK9/ G/GHMGL /K3G/
L
Fme DeJeefOe kesÀ oewjeve efveheìeS
ieS oeJes
HH3/ 0 0 2H0H 0 0
M
Fme DeJeefOe kesÀ oewjeve oeJeeW keÀe
Keb[ve efkeÀ³ee ie³ee
GH2L 0 0 2H0H 0 0
peesefKece keÀer mJeerke=Àefle keÀer leejerKe
keÀ
mes keÀce mes keÀce 3 meeue
20H9 0 0 0 0 0
Ke
mes 3 Je<e& mes DeefOekeÀ
G oeJee heéfleuesKeve 9290 3/992H L09LK0 617 0 0
DeJeefOe kesÀ Deble ceW yekeÀe³ee oeJes 2GK9 KG/GGL /G9M 222KG/ 0 0
3 cenerves mes keÀce 909 GL93G0 23L/ /929G 0 0
H 3 mes 6 cenerves L2H 2H/H0H GH9 H2L0 0 0
6 cenerves mes 1 Je<e& 229 2L9GL 20/ K/H3 0 0
1 Je<e& Deewj Gmemes DeefOekeÀ /LG LH2MM 92 H92G9 0 0
42
42
efJeÊeer³e Je<e& 2017-2018 kesÀ efueS oeJee efveheìeve Fme he´keÀej nw

31.03.2018 keÀer DeJeefOe kesÀ efueS Yegieleeve efkeÀS ieS oeJeeW keÀer mebK³ee Yegieleeve efkeÀS
kegÀue oeJeeW
1 Je<e& Deewj ieS oeJeeW keÀer
¬eÀceebkeÀ oeJeeW kesÀ he´keÀej heefjhekeÌJelee hej 1-3 3 - 6 6 cenerves - keÀe Yegieleeve
1 cenervee Gmemes kegÀue jeefMe
`
³ee Gmemes henues cenerves cenerves 1 Je<e& (mebK³ee)
DeefOekeÀ ( keÀjesæ[ ceQ)
2 heefjhekeÌJelee oeJes MGK30GL LG32MMK 22L09/M LM/9G/ G/39/ LL09G 9K29LHL 3H2MLK/
/ GÊej peerefJelee ueeYe 2/3H3/02 /LLHGMK 20/L/K0 M9/G9H 22/0M0 23M0LK 2K02HH92 L2KG22G
L
2K9/H30L /KMKM3G 2H2MLM 9K902 20/00M 230293 /2/2G3/G KGGHG2H
Jeee|<ekeÀer heWMeve kesÀ
efueS
M DeY³ehe&Ce kesÀ efueS
(DevegjesOe keÀer leejerKe 0 G2/2200 3090/ 0 0 0 G/0/00/ G2G9K9K
mes)
G
MLH3H/3 0 0 0 0 0 MLH3H/3 /MGMK
Dev³e ueeYe (DevegjesOe
2
0 9HGL/2 L00LK 2L2LM 2MK H0 2003H99 2M/3LKL
ce=l³eg oeJes (met®evee
31 cee®e&, 2018 lekeÀ oeJeeW keÀer Gce´ Fme he´keÀej Leer:
heefjhekeÌJelee kesÀ GÊej peerefJelee Jeee|<ekeÀer heWMeve DeY³ehe&Ce kesÀ
¬eÀceebkeÀ oeJee DevegYeJe ce=l³eg kesÀ efueS Dev³e ueeYe
efueS ueeYe kesÀ efueS efueS
L909 LM9/H3 3LK 90K0/ M/ 0
2
DeJeefOe keÀer Meg©Deele ceW yekeÀe³ee
oeJes
20293M3 20/22MH0 2KMLMHK0 G3330K9 G/029H0 MLH3H/3
/
Fme DeJeefOe kesÀ oewjeve efjheesì& efkeÀS
ieS oeJes
2003H99 9K29LHL 2K02HH92 G3K093K G/0/00/ MLH3H/3
L
Fme DeJeefOe kesÀ oewjeve efveheìeS
ieS oeJes
G00L 0 0 /G/H 0 0
M
Fme DeJeefOe kesÀ oewjeve oeJeeW keÀe
Keb[ve efkeÀ³ee ie³ee
M90M 0 0 /22L 0 0
keÀ
mes keÀce mes keÀce 2 meeue
99 0 0 M2L 0 0
Ke
mes 2 Je<e& mes DeefOekeÀ
G oeJee heéfleuesKeve 92/H M0302H M23KKH 2L 0 0
DeJeefOe kesÀ Deble ceW yekeÀe³ee oeJes 9/9 MLLLM9 M0 20G/GG 0 0
3 cenerves mes keÀce 515 LGLG2/ 18 L093L 0 0

H 3 mes 6 cenerves L00 L3909 M K3M9 0 0
6 cenerves mes 1 Je<e& /H 2L//H 2/ K3L2 0 0
1 Je<e& Deewj Gmemes DeefOekeÀ 88 /KK0/ 6 G3G9/ 0 0
43
í) iewj-keÀe³e&keÀejer efveosMekeÀ kesÀ meYeer Deee|LekeÀ mebyebOe ³ee uesveosve

iewj-keÀe³e&keÀejer Deewj mJeleb$e (iewj-mejkeÀejer meom³e) efveosMekeÀes kesÀ heeme Je<e& kesÀ oewjeve yees[& Deewj meefceefle keÀer yewþkeÀeW ceW Yeeie uesves kesÀ efueS GvnW oer ieF&
yewþkeÀ MegukeÀ keÀes íesæ[keÀj kebÀheveer kesÀ meeLe keÀesF& Deewj Deee|LekeÀ mebyebOe ³ee uesveosve veneR nw~
pe) Sce[er Deewj meerF&Dees Deewj Dev³e meYeer efveosMekeÀeW Deewj hećegKe heýebOeve J³eefÊeÀ³eeW kesÀ heeefjÞeefcekeÀ hewkesÀpe (heéslmeenve meefnle) kesÀ lelJe
DeO³e#e Deewj heýebOe efveosMekeÀes kesÀ heeefjÞeefcekeÀ keÀe y³eewje efjheesì& keÀer mJeleb$e uesKee hejer#ekeÀeW keÀer Devegmet®eer 15 keÀ ceW Öemlegle JeÀer ieF& nQ~ (he=ÿ mebK³ee 253)
Pe) hee@efuemeerOeejkeÀ HebÀ[ mes mecetn mebmLeeDeeW keÀes efkeÀ³ee ie³ee Yegieleeve
kebÀheveer Üeje mecetn mebmLeeDees (mebyebefOele heeìea he´keÀìerkeÀjCe) keÀes efkeÀS ieS Yegieleeve keÀe efJeJejCe efJeÊeer³e efJeJejCe kesÀ SkeÀ Yeeie kesÀ ªhe ceW Meeefceue efkeÀ³ee ie³ee
nw - Devegmet®eer 15 keÀ kesÀ (mebyebefOele he#e he´keÀìerkeÀjCe) Keb[ keÀe meboYe& ueW~
ì) keÀesF& Dev³e ceeceuee, pees efJeÊeer³e eqmLeefle hej meeceieér heÝeeJe keÀjlee nw
Ssmee keÀesF& ceeceuee veneR nw efpemekeÀe efJeÊeer³e efJeJejCe ceW he´keÀì efkeÀS ieS ceeceueeW keÀes íesæ[keÀj efJeÊeer³e eqmLeefle hej YeeweflekeÀ heÝeeJe nes~
2) yees[& keÀer yewþkeWÀ :
efJeefve³eceveeW kesÀ Devegmeej, nj efleceener ceW keÀce mes keÀce SkeÀ yees[& keÀer yewþkeÀ Dee³eesefpele keÀer peeveer ®eeefnS ~ ³eÐeefhe Je<e& kesÀ oewjeve 6 yees[& keÀer yewþkeWÀ ngF&~ yees[&
J³eJemLeeheve keÀer veerefleiele ceeceueeW kesÀ DeefleefjÊeÀ efveiece kesÀ efJekeÀeme, Glke=Àälee, keÀeheexjsì DeefYe³eeve leLee yeerceeOeejkeÀeW SJeb mìskeÀnesu[jeW kesÀ efnleeW keÀe
mebj#eCe nsleg heýebOeve keÀe oeef³elJe Deeefo kesÀ efueS ceeie&oMe&ve GheueyOe keÀjlee nw ~
peerJeve yeercee DeefOeefve³ece, 1956 keÀer Oeeje 19 kesÀ Devegmeej, keÀe³e&keÀejer meefceefle Deewj efveJesMe meefceefle yees[& Üeje ieefþle keÀer nw ~ DeeF&.Deej.[er.S.DeeF&. kesÀ
mebMeesefOele keÀeheexjsì efoMeeefveoxMe 2016 kesÀ Devegmeej yees[& keÀer meefceefle³eeb nw veeceleë - DebkesÀ#eCe meefceefle, peesefKece heýebOeve meefceefle, hee@efuemeerOeejkeÀ mebj#eCe
meefceefle, ueeYe- meefnle meefceefle, [erSHeÀSme, efJeÊe ceb$eeue³e Joeje peejer heefjhe$e -%-110112/01/2007- efoveebkeÀ 20 pegueeF&, 2007 kesÀ Devegmeej
heefjÞeefcekeÀ meefceefle keÀe ieþve efkeÀ³ee ie³ee nw ~ FmekesÀ DeueeJee YeJeve meueenkeÀej meefceefle, Mes³ejOeejkeÀ meefceefle, efJeueHegÀue ef[³eeHeÀe@ìj hej meceer#ee meefceefle
SJeb heéwOeesefiekeÀer meceer#ee meefceefle ieþve Yeer efkeÀ³ee ie³ee nw ~
3) kesÀvêer³e heýevOeve meefceefle :
kesÀvêer³e heýebOeve meefceefle keÀer yewþkeWÀ nj ceen Dee³eesefpele keÀer peeleer nw efpemeceW efveiece kesÀ J³eJemee³e keÀer meceer#ee, ³eespeveeDeeW keÀe meb©heCe leLee keÀe³ee&vJe³eve
Deewj efJeefYeVe cenlJehetCe& ceeceueeW hej ®e®ee& keÀer peeleer nw ~ #es$eer³e heýebOekeÀ leLee kesÀvêer³e keÀe³ee&ue³e kesÀ efJeYeeieeO³e#e mebmLee mebyebOeer efJeefYeVe ceeceueeW hej efJe®eej
heefJeceMe& keÀjles nw ~
4) #es$eer³e meueenkeÀej yees[& ë
he´l³eskeÀ #es$e kesÀ efueS #es$eer³e meueenkeÀej yees[& keÀe ieþve efkeÀ³ee peelee nw, pees Deheves #es$e keÀer heéosefMekeÀ meerceeDeeW kesÀ Yeerlej peerJeve yeercee J³eJemee³e kesÀ mecegef®ele
efJekeÀeme keÀes heÝeeefJele keÀjves Jeeueer veerefle kesÀ meYeer ceeceueeW hej ®e®ee& Deewj meceer#ee keÀjves kesÀ efueS me#ece nesles nQ Deewj FmeceW efmeHeÀeefjMeW keÀjles nQ~
5) hee@efuemeerOeejkeÀ heefj<eo ë
ceC[ueeW ceW hee@efuemeerOeejkeÀeW keÀer heefj<eoW ieefþle keÀer ieF& nw ~ ceC[ue heýebOekeÀeW Üeje Yespes ieS meYeer ceeceueeW hej hee@efuemeer OeejkeÀeW keÀer heefj<eoW ®e®ee& keÀjleer nw ~
®e®ee& efkeÀS ieS cegÎeW ceW hee@efuemeer keÀer mesJee, yekeÀe³ee oeJes, ceC[ue ceW veJe J³eJemee³e keÀer heíeefle Deewj he´®eej ieefleefJeefOe³eeb Deeefo nQ ~
6) peerJeve yeercee efveiece DeefOeefve³ece kesÀ Devleie&le efveoxMe ë
Je<e& kesÀ oewjeve yeercee DeefOeefve³ece 1956 keÀer Oeeje 21 kesÀ Debleie&le Yeejle mejkeÀej mes keÀesF& efveoxMe heéhle veneR ngDee ~
7) uesKee hejer#ekeÀ ë
Yeejle mejkeÀej kesÀ hetJee&vegceesove mes ome HeÀeceeX keÀes Je<e& 2017-2018 kesÀ efueS JewOeeefvekeÀ uesKee hejer#ekeÀ efve³egÊeÀ efkeÀ³ee ie³ee ~ HeÀceeX kesÀ meePesoejeW kesÀ veece leLee
heles heefjefMeä ceW oMee&S ieS nQ ~ (he=ÿ mebK³ee 79)
44
44
8) veeefcele efveosMekeÀ :
efveiece efJeefYeVe kebÀheefve³eeW kesÀ yees[& ceW, efpeveceW $eÝCe Skeb/DeLekee F&eqkeÌJeìer kesÀ DeeOeej hej nceejer he³ee&hle Yeeieeroejer nw, efveosMekeÀeW keÀes veeceebefkeÀle keÀjlee nw ~
veeefcele J³eefÊeÀ efveiece kesÀ mesJeejle DeLeJee mesJeeefveJe=Êe DeefOekeÀejer nesles nQ ~ veeefcele efveosMekeÀeW kesÀ ceeie&oMe&ve Je GvekesÀ keÀe³e& keÀer meceer#ee nsleg mecegef®ele J³eJemLee
ceewpeto nw ~ veeefcele efveosMekeÀeW keÀer efve³egefÊeÀ keÀer mece³e-mece³e hej meceer#ee keÀer peeleer nw ~ veeefcele efveosMekeÀ kebÀheveer kesÀ heefj®eeueve mecem³eeDeeW, mebYeeJeveeDeeW Je
keÀe@heexjsì ieJevexvme ceevekeÀeW Deeefo kesÀ mebyebOe ceW peevekeÀejer GheueyOe keÀjles nw~
45
27. efJeefJeOe keÀe³e&keÀueehe ieefleefJeefOe³eeb

keÀ) SueDeeF&meer neTeEmeie HeÀeFveWme efueefceìs[ :
cegbyeF& ceW Deheves keÀe@jheesjsì Dee@efHeÀme kesÀ meeLe & neTeEmeie HeÀeFveWme efueefceìs[ kesÀ osMe ceW 9 #es$eer³e keÀe³ee&ue³e, 23 yewkeÀ Dee@efHeÀme, 273 ceekexÀeEìie
Dee@efHeÀme Deewj 1 ieénkeÀ mesJee eEyeog nQ~ FmekesÀ ogyeF& Deewj kegÀJewle ceW heéfleefveefOe keÀe³ee&ue³e Yeer nQ~ kebÀheveer kesÀ Mes³ej yee@cyes mìe@keÀ SkeÌme®eWpe Deewj
vesMeveue mìe@keÀ SkeÌme®eWpe Deewj FmekesÀ iueesyeue ef[hee@efpeìjer Mes³ej (peer[erSme) uekeÌ]peceyeie& mìe@keÀ SkeÌme®eWpe ceW met®eerye× nQ~ kebÀheveer keÀes
!,& Deewj !" ÜejeZZ jsì efkeÀ³ee ie³ee nw~!,& Üeje kebÀheveer kesÀ efHeÀkeÌm[ ef[hee@efpeì heésieéce keÀes “-, h keÀe
opee& efo³ee ie³ee nw, pees megj#ee kesÀ G®®elece mlej keÀes oMee&lee nw~
Je<e& 2018-19 kesÀ efueS 5 Je<e& meerSpeerDeej
31.03.2019 keÀes yekeÀe³ee $eÝCe ` 1,94,646 keÀjesæ[ 16… 16…
Je<e& 2018-19 kesÀ efueS kegÀue Dee³e ` 17,361.72 keÀjesæ[ 17… 13…
Je<e& 2018-19 kesÀ efueS Meg× ueeYe ` 2,430.97 keÀjesæ[ 21… 15…
31.03.2019 keÀes kegÀue mebHef]Êe 16,259.27 keÀjesæ[
ueeYeebMe Ieesef<ele 380…
SueDeeF&meer S®eSHeÀSue kesÀ³ej nescme efueefceìs[
SueDeeF&meer S®eSHeÀSue kesÀ³ej nescme efueefceìs[, SueDeeF&meer neTeEmeie HeÀeFveWme efueefceìs[ kesÀ hetCe&le: mJeeefcelJe keÀe mene³ekeÀ Ghe¬eÀce nw efpemekeÀer
mLeehevee 11 efmelecyej, 2001 keÀes keÀer ieF& Leer~ Deepe keÀer leejerKe ceW kebÀheveer keÀer heéefOeke=Àle hetbpeer ` 75 keÀjesæ[ nw~ kebÀheveer keÀer mLeehevee keÀe cetue
GÎsM³e Jeefjÿ veeieefjkeÀeW kesÀ efueS mene³ekeÀ meecegoeef³ekeÀ efjne³emeer kesÀvêeW keÀer mLeehevee SJeb he´®eeueve Lee~
kebÀheveer ves efJeÊeer³e Je<e& 2018-19 ceW ` 85.97 ueeKe keÀj osves mes hetJe& ueeYe (heeryeerìer) leLee ` 62.63 ueeKe keÀj kesÀ yeeo ueeYe (heerSìer) Dee|pele
efkeÀ³ee~
kebÀheveer ves yeQieueesj ceW SkeÀ hetCe& heefj³eespevee oes ®ejCeeW ceW efJekeÀefmele keÀer nw efpemes 10 SkeÀæ[ Yetecf e hej efJekeÀefmele efkeÀ³ee ie³ee Lee~ kebÀheveer 5 SkeÀæ[ Yetecf e hej
YegJeveséej ceW SkeÀ heefj³eespevee efJekeÀefmele keÀj jner nw pees hetje nesves keÀer Deesj nw Deewj DeeJebeìf ³eeW keÀes peuo ner meeQheves Jeeueer nw~ FmekesÀ DeueeJee, kebÀheveer ves
pe³ehegj Deewj DeuegJee ceW ¬eÀceMeë 5.5 SkeÀæ[ Deewj 3.35 SkeÀæ[ kesÀ Yetecf e heeme&ue Yeer Kejeros nQ, leeefkeÀ Fve oesveeW mLeeveeW hej mene³ekeÀ peereJf ele heefj³eespevee
efJekeÀefmele keÀer pee mekesÀ~ kebÀheveer jep³e pevemeebeKq ³ekeÀer³e Deewj meebmke=ÀeflekeÀ mebYeeJeveeDeeW ceW ceebie, he´®eefuele efve³eceeW Deewj efJeefve³eceeW hej efJe®eej keÀjves hej
Ghe³egÊeÀ cee@[ue kesÀ Devegmeej heefj³eespevee efJekeÀefmele keÀjsieer~
kebÀheveer efJeefYeVe mLeeveeW hej kesÀ³ej nescme heefj³eespevee kesÀ efJekeÀeme kesÀ efueS veS Yetecf e heeme&ue keÀer Kejero kesÀ efueS Yeer he´³eeme keÀj jner nw ~
Ke) SueDeeF&meer c³et®³egDeue HeÀb[ Smesì cewvespeceWì keÀcheveer efueefceìs[:
SueDeeF&meer c³eg®³egDeue HebÀ[ ("c³eg®³egDeue HebÀ[") 20.04.1989 keÀes heé³eespekeÀ kesÀ ªhe ceW SueDeeF&meer Dee@HeÀ Fbef[³ee kesÀ meeLe Yeejleer³e ì^mì
DeefOeefve³ece kesÀ heéJeOeeveeW kesÀ Devegmeej SkeÀ ì^mì kesÀ ªhe ceW ieþve efkeÀ³ee ie³ee, efpemeceW SueDeeF&meer c³eg®³egDeue HebÀ[ ì^mìer heéFJesì efue. ì^mìer
kesÀ ªhe ceW Deewj SueDeeF&meer c³eg®³egDeue HebÀ[ Smesì cewvespeceWì efue. SueDeeF&meer c³eg®³egDeue HebÀ[ ceW efveJesMe heýebOekeÀ kesÀ ªhe ceW Les~ SueDeeF&meer
c³eg®³egDeue HebÀ[ Smesì cewvespeceWì kesÀ Mes³ejOeejkeÀ SueDeeF&meer Dee@HeÀ Fbef[³ee, SueDeeF&meer neGeEmeie HeÀeFveWme efue., peerDeeF&meer neGeEmeie HeÀeFveWme
efue. Deewj keÀe@heexjsMeve yeQkeÀ nQ~
31 cee®e&, 2019 lekeÀ SueDeeF&meer c³eg®³egDeue HebÀ[ 25 ³eespeveeDeeW keÀe heýebOeve keÀj jne Lee~ Je<e& 2018-19 kesÀ oewjeve, SScemeer ves meYeer ®eeuet
³eespeveeDeeW mes ` 4,58,666 keÀjesæ[ keÀer mekeÀue efye¬eÀer pegìeF&~ 31.03.2019 keÀes kegÀue efveJesMekeÀeW keÀer mebK³ee 3,48,153 Leer~ 2018-19 keÀer Debeflece
efleceener kesÀ efueS heýebOeve kesÀ lenle Deewmele mebheefÊe (SS³etSce) ` 15,240 keÀjesæ[ Leer Deewj ³en SS³etSce kesÀ ceeceues ceW 18 JeW mLeeve hej Leer~
212 efveJesMekeÀ mesJee keWÀêeW, 25 yeéb®e keÀe³ee&ue³eeW Deewj 107 efye¬eÀer ìerce kesÀ vesìJeke&À kesÀ meeLe, SueDeeF&meer SceSHeÀ osMe kesÀ keÀesves keÀesves ceW HewÀues 200
mes DeefOekeÀ mLeeveeW hej ceewpeto nw~ SueDeeF&meer SceSHeÀ keÀe SkeÀ J³eehekeÀ efJelejCe vesìJeke&À nw efpemeceW Meeefceue nw DeeFS]HeÀS, vesMeveue ef[mìêry³etìme&,
JesuLe cewvespeceWìdme ìercme, yeQkeÌme Deewj keÀer efye]pevesme heeì&veme&~
SueDeeF&meer SceSHeÀ ceW "SheerheerSme" (Dee@ìes heérefce³ece Yegieleeve heĆeeueer) veecekeÀ SkeÀ DeefYeveJe Glheeo HeÀer®ej nw, efpemekesÀ lenle ieénkeÀ Deheves hewmes
46
46
keÀes lejue keÀj ³ee DeuhekeÀeefuekeÀ ³eespeveeDeeW ceW efveJesMe keÀj mekeÀles nQ Deewj GvekesÀ SueDeeF&meer heérefce³ece keÀe Yegieleeve c³eg®³egDeue HebÀ[ Keeles mes
efkeÀ³ee peelee nw~ ³en SkeÀ Devetþer efJeMes<elee nw pees GÐeesie ceW kesÀJeue SueDeeF&meer SceSHeÀ Üeje hesMe keÀer ieF& nw~ Fmeer lejn, SueDeeF&meer c³eg®³egDeue
HebÀ[, SueDeeF&meer SceSHeÀ peerSmeF&meer uee@vie ìce& F&ìerSHeÀ kesÀ meeLe [syì efJemleej ceW F&ìerSHeÀ keÀer hesMekeÀMe keÀjves Jeeues henues c³eg®³egDeue HebÀ[ ceW
mes SkeÀ nw~ ³en Glheeo Kegoje efveJesMekeÀeW keÀes yengle ner heéflemheOeea ueeiele hej yengle íesìs efìkeÀì DeekeÀej kesÀ meeLe peerSmeF&meer ceW efveJesMe keÀjves
oslee nw~
ie) SueDeeF&meer heWMeve HebÀ[ efueefceìs[ :
SueDeeF&meer heWMeve HebÀ[ efueefceìs[ Yeejleer³e peerJeve yeercee efveiece kesÀ Üeje heé³eesefpele kebÀheveer nw pees efkeÀ 1 peveJejer 2004 kesÀ he½eele kesÀvê mejkeÀej ces
Yeleea keÀce&®eeefj³eeW kesÀ efue³es (meMem$e yeueeW keÀes íes[keÀj) heWMeve efveefOe efJeefve³eecekeÀ SJeb efJekeÀeme heéefOekeÀjCe kesÀ Üeje heéjbYe keÀer ieF& heWMeve ³eespevee
ceW efveefOe³eeW kesÀ heýebOeve keÀe keÀe³e& keÀjleer nw~ ³en ³eespevee jep³e mejkeÀej kesÀ keÀce&®eeefj³eeW kesÀ efue³es mebyebefOele jep³eeW Üeje Dehevee³es peeves hej ueeiet
ngF& ~
SueDeeF&meer heWMeve HebÀ[ efue. SkeÀ efveefOe heýebOeve kebÀheveer nw, pees efkeÀ vesMeveue heWMeve ³eespevee keÀer mejkeÀej Üeje efveOee&efjle heeb®e efveJesMe ³eespeveeDees keÀe
heýebOeve keÀjleer nw :-
a) 02.04.2008 mes kesÀvê mejkeÀej ³eespevee (kesÀvê mejkeÀej kesÀ keÀce&®eeefj³eeW kesÀ efue³es)
Q25.06.2009 mes jep³e mejkeÀej ³eespevee (jep³e mejkeÀej kesÀ keÀce&®eeefj³eeW kesÀ efue³es)
c) 04.10.2010 mes Sve. heer. Sme ueeF&ì P$ QDeewj
Q04.11.2012 mes keÀesheexjsì ³eespevee P $Q
e) 01.06.2015 mes Deìue heWMeve ³eespevee PXQ
efJeÊeer³e Je<e& 2012-13 kesÀ oewjeve SueDeeF&meer heWMeve HebÀ[ efueefceìs[ ves efvepeer #es$e keÀer heWMeve efveefOe³ees kesÀ yee@C[ J³eJemee³e ceW hebpeerkeÀjCe kesÀ efue³es
Yeer DeeJesove efkeÀ³ee Lee efpemes efve³eecekeÀ P-!;Q ves Jeøe& 2013-14 ceW mJeerke=Àle keÀj efue³ee nw~ efvepeer #es$e kesÀ Debleie&le meele ³eespeveeDeeWkeÀe
heýevOeve efkeÀ³ee peelee nw pewmes keÀer F& efì³ej - # meer efì³ej - , peer efì³ejö , F& efì³ej -, meer efì³ej -, peer efì³ej -, S efì³ej ö
( efì³ej õ ³eespeveeDeeW kesÀ Debleie&le heWMeve efveefOe mesJeeefveJe=efÊe kesÀ he½eele ner efvekeÀeueer pee mekeÀleer nw, peye efkeÀ efì³ej - ³eespeveeDeeW ceW nj meeue
efveefOe efvekeÀeueves keÀer megefJeOee nw)~ kegÀue efceueekeÀj Sue DeeF& meer heWMeve HebÀ[ efueefceìs[ 12 ³eespeveeDeeW keÀe heýebOeve keÀjleer nw ~
efJeleer³e Je<e& 2018-2019 kesÀ oewjeve SueDeeF&meer heWMeve HebÀ[ efueefceìs[ ves 12 ³eespeveeDeeW ceW efceueekeÀj ` 15,510.47 keÀjes[ keÀer jeefMe efveefOe kesÀ
©he ceW heéhle keÀer~ 31 cee®e& 2018 keÀes heýebOe kesÀ DeOeerve heefjmecheefle ` 70,130.28 keÀjes[ Leer pees 31.3.2019 ceW ye{keÀj ` 92,719.22 keÀjes[ nes
ie³eer nw~ GhejesÊeÀ heefjmecheefle ceW ` 91,199.9 keÀjes[ heeb®e mejkeÀejer ³eespeveeDeeW kesÀ Debleie&le Deewj ` 1,519.32 keÀjes[ efvepeer #es$e keÀer meele
³eespeveDeeW kesÀ Debleie&le heýebefOele nw~
heýebOe kesÀ DeOeerve heefjmecheefle kesÀ ³eesie (AUM) ceW yeæ{esllejer SJeb heóle hetbpeer hej J³eepe keÀer Dee³e ye{ves mes Sue.DeeF&.meer. heWMeve HebÀ[ keÀer kegÀue
Dee³e iele efJeÊeer³e Je<e& 2017-2018 kesÀ ` 9.75 keÀjes[ mes ye{keÀj Je<e& 2018-19 ces ` 11.51 keÀjes[ nes ieF& nw~ efJeÊeer³e Je<e& 2018-2019 ces kebÀheveer
keÀe Meg× ueeYe ` 1.40 keÀjes[ jne nw~
31-03-2019 keÀes SueDeeF&meer heWMeve HebÀ[ keÀer ³eespeveeDeeW keÀe vesì Smesì Jewu³et P% Q leLee mLeehevee kesÀ yeeo mes Jeehemeer keÀer oj Fme
he´keÀej Leer:
vesì Smesì Jewu³et mLeehevee kesÀ yeeo mes heéfleHeÀue keÀer oj (%)
mejJeÀejer Öeefleceeve (Net Asset value) ®e¬eÀJe=ef× Jeee|<ekeÀ Je=ef× oj (meer S peer Deej)
1) kesÀvê mejkeÀej ³eespevee 27.5968 9.67…
2) jep³e mejkeÀej ³eespevee 24.6211 9.66…
3) Sve. heer. Sme ueeF&ì 22.8351 10.21…
4) keÀesheexjsì ³eespevee 18.1603 9.77…
5) Deìue heWMeve ³eespevee 13.9554 9.10…
47
vesì Smesì Jewu³et mLeehevee kesÀ yeeo mes heéfleHeÀue keÀer oj (%)
efvepeer #es$e (Net Asset value) ®e¬eÀJe=ef× Jeee|<ekeÀ Je=ef× oj (meer S peer Deej)
1) F& efì³ej > 19.3005 12.25…
2) meer efì³ej > 17.1819 9.98…
3) peer efì³ej > 18.1855 11.08…
4) F& efì³ej > 16.1365 8.86…
5) meer efì³ej > 16.0562 8.77…
6) peer efì³ej > 18.4201 11.45…
7) S- efì³ej > 12.1243 8.13…
®eeuet Je<e& kesÀ keWÀêer³e yepeì kesÀ lenle heéJeOeeve

Sve. heer. Sme. keÀer ³eespevee ceW J³eefÊeÀiele ©he mes efveJesMe keÀer ieF& jeefMe hej FvekeÀce ìskeÌme SkeÌì kesÀ meskeÌMeve 80meer meer [er (1 yeer) kesÀ Debleie&le
` 50,000 lekeÀ kesÀ DeefOekeÀlece keÀj ceW ítì oer ieF& nw~ ³en ítì heéhle kegÀue ` 1,50,000/- keÀer meskeÌMeve 80meer kesÀ Debleie&le mecesefkeÀle keÀj ítì kesÀ
DeefleefjÊeÀ nw~
SveheerSme kesÀ yeejs ceW peeieªkeÀlee yeæ{ves kesÀ keÀejCe YeefJe<³e ceW S³etSce ceW Je=ef× keÀer Gcceero nw~ keWÀêer³e mejkeÀej ves Deheves keÀce&®eeefj³eeW keÀes 01.04.2019
mes GvekesÀ SveheerSme kesÀ Jeee|øekeÀ ³eesieoeve keÀes efveJesMe hewìve& Je 8 - meeJe&peefvekeÀ Deewj efvepeer HebÀ[ cewvespejeW ceW mes SkeÀ keÀes ®egveves keÀer Devegceefle os oer
nw~ Fmemes heWMeve HebÀ[ cewvespejeW kesÀ yeer®e yesnlej peesefKece mecee³eesefpele efjìve& GlheVe keÀjves kesÀ efueS heéflemheOee& yeæ{ves keÀer Gcceero nw~
Ie) SueDeeF&meer keÀe[& mee|Jemes]pe efueefceìs[ :
SueDeeF&meer keÀe[& mee|Jemesæpe efueefceìs[, (SueDeeF&meer meerSmeSue) keÀes 11 veJebyej 2008 keÀes Yeejleer³e peerJeve yeercee efveiece keÀer hetCe& mJeeefcelJe Jeeueer
mene³ekeÀ kebÀheveer kesÀ ªhe ceW, ª 1 keÀjesæ[ ©he³es keÀer hetbpeer kesÀ meeLe mLeeefhele efkeÀ³ee ie³ee Lee~ kebÀheveer keÀe GÎsM³e SueDeeF&meer keÀce&®eeefj³eeW, keÌueye
meom³e DeefYekeÀlee& Deewj hee@efuemeerOeejkeÀeW keÀes ¬esÀef[ì keÀe[& mesJeeSb heóeve keÀjvee nw~ SueDeeF&meer meerSmeSue keÀe Dehevee keÀe@heexjsì keÀe³ee&ue³e efouueer
ceW nw Deewj Jele&ceeve ceW Denceoeyeeo, yeWieueg©, ®esVeF&, efouueer, nwojeyeeo, keÀesuekeÀelee, cegbyeF&, ueKeveT Deewj heìvee ceW #es$eer³e keÀe³ee&ue³eeW kesÀ
ceeO³ece mes Yeejle ceW SueDeeF&meer kesÀ 55 keWÀêeW ceW keÀe³e&jle nw~ 104 veiej efJe¬eÀ³e heýebOekeÀ Deewj 14,591 efJe¬eÀ³e heéfleefveefOe nceejs ieénkeÀeW keÀes ¬esÀef[ì
keÀe[& mesJeeSb heóeve keÀjves ceW keÀe³e&jle nQ~
Jele&ceeve ceW kebÀheveer ves keÀes-yeéb[s[ / JneFì uesyeue mecePeewles kesÀ Debleie&le ¬esÀef[ì keÀe[& peejer keÀjves kesÀ efueS SeqkeÌmeme yeQkeÀ Deewj keÀe@heexjsMeve yeQkeÀ
kesÀ meeLe mecePeewlee efkeÀ³ee nw~ SueDeeF&meer meerSmeSue yengle meejs DeekeÀ<e&keÀ ueeYe kesÀ meeLe DeepeerJeve efveMegukeÀ ¬esÀef[ì keÀe[& heóeve keÀjlee nw~
keÀe[& "ef®ehe-Sb[-efheve" mebmkeÀjCe nQ pees keÀe[& OeejkeÀeW keÀes DeefOekeÀlece megj#ee megefveeq½ele keÀjlee nQ~ SueDeeF&meer keÀe[& ùeeFHeÀ ìeFce He´Àer' nw
Deewj peejer efkeÀS ieS keÀe[dme& hej keÀesF& `pJeeFeEveie HeÀerme', `SvegDeue HeÀer' Deewj èfjv³etDeue HeÀer' veneR nw~ SueDeeF&meer ¬esÀef[ì keÀe[&, [yeue efjJee@[&
hee@Fbì Deewj efveue megefJeOee MegukeÀ kesÀ meeLe heérefce³ece Yegieleeve keÀe SkeÀ megefJeOeepevekeÀ Deewj JewkeÀequhekeÀ lejerkeÀe heóeve keÀjlee nw~ SueDeeF&meer keÀe[&
keÀer kegÀí cegK³e efJeMes<eleeSb Fme he´keÀej nQ:
1. ` 5 ueeKe keÀe cegHeÌle ogIe&ìvee yeercee (SeqkeÌmeme yeQkeÀ Üeje meb®eeefuele èfmeives®ej' keÀe[& ceW), ` 3 ueeKe (SeqkeÌmeme yeQkeÀ Üeje meb®eeefuele
huesefìvece keÀe[& ceW) Deewj ` 2.5 ueeKe (keÀe@heexjsMeve yeQkeÀ Üeje meb®eeefuele huesefìvece keÀe[& ceW)
2. ` 100/- kesÀ he´l³eskeÀ Ke®e& hej DeekeÀ<e&keÀ efjJee[& hee@Fbìdme
3. meYeer Debleje&äêr³e Ke®eeX hej [yeue efjJee[& hee@Fbìdme
4. efyevee efkeÀmeer megefJeOee MegukeÀ kesÀ SueDeeF&meer heérefce³ece kesÀ Yegieleeve hej [yeue efjJee[& hee@Fbì
5. èfmeives®ej' keÀe[&OeejkeÀeW kesÀ efueS ` 2 keÀer ìeskeÀve jeefMe kesÀ Yegieleeve hej nJeeF& De·e ueeGbpe keÀer megefJeOee keÌJeeì&j ceW oes yeej
6. y³eepe cegÊeÀ ¬esÀef[ì DeJeefOe 20 - 50 efove
FmekesÀ DeefleefjÊeÀ kebÀheveer ves SueDeeF&meer kesÀ keÀce&®eejer, SpeWì, mene³ekeÀ keÀcheefve³eeW, mecetn yeercee ceemìj hee@efuemeernesu[me& keÀes efieHeÌì keÀe[& peejer
48
48
keÀjves kesÀ efueS SeqkeÌmeme yeQkeÀ kesÀ meeLe SkeÀ mecePeewlee efkeÀ³ee nw~
kegÀue ¬esÀef[ì keÀe[& heesì&HeÀesefue³ees efheídues Je<e& kesÀ 2,06,681 mes ye{keÀj Fme Je<e& 2,55,271 nes ie³ee~ Je<e& 2018-19 kesÀ oewjeve, kebÀheveer ves 48,590
¬esÀef[ì keÀe[& peejer efkeÀS nQ pees efkeÀ mLeehevee kesÀ yeeo mes efkeÀmeer Yeer Je<e& ceW meyemes DeefOekeÀ Les~ kebÀheveer keÀe 2018-19 keÀe ue#³e ` 6.82 keÀjesæ[ keÀer
Dee³e keÀe Lee efpemekesÀ efJe©Oe kebÀheveer ves ` 8.39 keÀjesæ[ keÀer Dee³e Dee|pele keÀer Deewj Fme he´keÀej 123.06… keÀer yepeì heéefhle ngF&~ Fme Je<e& kebÀheveer
keÀe Meg× ueeYe ` 123.17 ueeKe (DeveDee@ef[ìs[) jne pees efkeÀ efheíues meeue kesÀ ` 53.47 ueeKe kesÀ ueeYe mes 130.35… keÀer Je=ef× efoKeeles ngS GlheVe
efkeÀ³ee ie³ee nw~
SueDeeF&meer meerSmeSue keÀes Ghejeä^heefle, ceeveveer³e Þeer Sce JeWkewÀ³ee vee³e[t keÀes SueDeeF&meer ¬esÀef[ì keÀe[& meeQheves keÀe meewYeei³e efceuee~
*) DeeF&[eryeerDeeF& yeQkeÀ :
DeeF&[eryeerDeeF& yeQkeÀ ³etefveJeme&ue yeQkeÀ kesÀ ªhe ceW efjìsue Deewj keÀe@jheexjsì ieénkeÀeW keÀes efJeÊeer³e GlheeoeW SJeb mesJeeDeeW keÀer mebhetCe& Þe=bKeuee GheueyOe
keÀjelee nw~ Fme hesMekeÀMe ceW efjìsue yeQeEkeÀie GlheeoeW kesÀ efJeefYeVe he´keÀej pewmes ye®ele Keelee, ®eeuet Keelee, meeJeefOe pecee, DeeJeeme $eÝCe, Dee@ìes $eÝCe,
efMe#ee $eÝCe, Jew³eefÊeÀkeÀ $eÝCe; ke=Àef<e leLee met#ce, ueIeg Deewj ceO³ece GÐece (SceSmeSceF&) ieénkeÀeW keÀes efJeÊeer³e mene³elee; efveefOe DeeOeeefjle leLee
iewj-efveefOe DeeOeeefjle mene³elee meefnle keÀe@heexjsì yeQeEkeÀie Glheeo; ì^spejer SJeb hetbpeer yeepeej Glheeo Meeefceue nQ~ yeQkeÀ efJeefYeVe he´keÀej kesÀ [sefyeì-
hueme-SìerSce keÀe[&, ¬esÀef[ì keÀe[& leLee efhe´hes[ keÀe[& Yeer GheueyOe keÀjelee nw. Deheves ieénkeÀeW keÀer peesefKece ªhejsKee Deewj efJeÊeer³e ue#³eeW keÀes O³eeve
ceW jKeles ngS yeQkeÀ Deheveer MegukeÀ DeeOeeefjle Dee³e keÀes yeæ{eves kesÀ efueS efJeefYeVe Dev³e he#e GlheeoeW Deewj mesJeeDeeW keÀer heéfle efye¬eÀer Yeer keÀjlee nw~ FmekesÀ
DeueeJee yeQkeÀ kesÀ heeme Fbìjvesì leLee ceesyeeFue yeQeEkeÀie pewmeer ef[efpeìue megefJeOeeDeeW keÀer J³eehekeÀ Þe=bKeuee Yeer nw pees GmekesÀ ieénkeÀeW keÀes efkeÀmeer Yeer
mece³e Deewj efkeÀmeer Yeer mLeeve mes yeQeEkeÀie mebJ³enej keÀjves keÀer megefJeOee heóeve keÀjleer nw~
DeeF&[eryeerDeeF& yeQkeÀ ves heje-yeQeEkeÀie Deewj efJeÊeer³e heĆeeueer kesÀ efJeefYeVe #es$eeW ceW mene³ekeÀ mebmLeeSb Deewj meb³egÊeÀ GÐece yeveeS nQ leeefkeÀ GmekesÀ
ieénkeÀeW keÀes GlheeoeW Deewj mesJeeDeeW keÀer J³eehekeÀ Þe=bKeuee GheueyOe keÀjeF& pee mekesÀ~ yeQkeÀ keÀer heeB®e mene³ekeÀ mebmLeeSb Fme he´keÀej nQ, (i)
DeeF&[eryeerDeeF& kewÀefheìue ceekexÀìdme Sb[ efmekeÌ³etefjìerpe efueefceìs[ (DeeF&meerSceSme) - yeéseEkeÀie SJeb efJelejCe kebÀheveer; (ii) DeeF&[eryeerDeeF& FbìskeÀ
efueefceìs[ (DeeF&DeeF&Sue) - DeeF&ìer kebÀheveer; (iii) DeeF&[eryeerDeeF& Demesì cewvespeceWì efueefceìs[ (DeeF&SSceSue) - DeeF&[eryeerDeeF& c³et®³egDeue HebÀ[
Üeje heéjbYe keÀer ieF& ³eespeveeDeeW kesÀ efveJesMe heýebOekeÀ; (iv) DeeF&[eryeerDeeF& SceS]HeÀ ì^mìer kebÀheveer efueefceìs[ (DeeF&SceìermeerSue) - DeeF&[eryeerDeeF&
c³et®³egDeue HebÀ[ kesÀ ì^mìer; Deewj (v) DeeF&[eryeerDeeF& ì^mìerefMehe mee|Jemesme efue. (DeeF&ìerSmeSue) - v³eemeOeeefjlee leLee Gmemes pegæ[s Dev³e mebye×
keÀejesyeej keÀjves kesÀ efueS yeveeF& ieF& kebÀheveer~ yeQkeÀ ves peerJeve yeercee keÀejesyeej keÀjves kesÀ efueS HesÀ[jue yeQkeÀ efue. Deewj Sefpeme FbM³eesjWme FbìjvesMeveue
(Sefpeme) kesÀ meeLe efceuekeÀj DeeF&[eryeerDeeF& HesÀ[jue ueeFHeÀ FbM³eesjWme kebÀheveer efueefceìs[ (DeeF&[eryeerDeeF& HesÀ[jue) veecekeÀ meb³egÊeÀ GÐece Yeer
yevee³ee nw~
peveJejer 2019 ceW Yeejleer³e peerJeve yeercee efveiece (SueDeeF&meer) ves DeeF&[eryeerDeeF& yeQkeÀ ceW yengueebMe efnmmesoejer Dee|pele keÀer~ lelhe½eele Yeejleer³e
efj]peJe& yeQkeÀ (DeejyeerDeeF&) ves efJeefve³eecekeÀer³e he´³eespeve mes yeQkeÀ keÀes èfvepeer #es$e kesÀ yeQkeÀ' kesÀ ªhe ceW hegveë Jeieeake=Àle efkeÀ³ee~ SueDeeF&meer Üeje
DeeF&[eryeerDeeF& yeQkeÀ ceW jCeveereflekeÀ efnmmesoejer keÀe Depe&ve veerefleiele ªhe mes oesveeW mebmLeeDeeW kesÀ efueS ner ueeYeoe³ekeÀ nesiee leLee Deehemeer menef¬eÀ³ee
kesÀ ceeO³ece mes SkeÀ ner íle kesÀ veer®es yeQeEkeÀie Deewj yeercee mesJeeSB heóeve keÀj oesveeW mebmLeeDeeW kesÀ DebMeOeejkeÀeW, ieénkeÀeW Deewj keÀce&®eeefj³eeW kesÀ efueS
yengcetu³e DeJemej me=efpele efkeÀS pee mekeWÀies~
yeQkeÀ keÀe keÀe@hee&sjsì keÀe³ee&ue³e cegbyeF& ceW eqmLele nw Deewj 11 Deb®eueeW SJeb 60 #es$eer³e keÀe³ee&ue³eeW mes heefj®eeueve efkeÀ³ee peelee n~ 31 cee®e& 2019 keÀes 75 Kegoje
Deeeqmle kesÀvêeW (DeejSmeer) Deewj 4 keWÀêer³e meceeMeesOeve FkeÀeF³eeW (meermeer³et) meefnle yeQkeÀ keÀer 1,892 MeeKeeSB LeeR. yeQkeÀ kesÀ kegÀue MeeKee vesìJeke&À ceW ogyeF&
Debleje&äêr³e efJeÊeer³e keWÀê ([erDeeF&S]HeÀmeer) ceW eqmLele SkeÀ efJeosMeer MeeKee Deewj iegpejele Debleje&äêr³e efJeÊeer³e ìskeÀ efmeìer (efieHeÌì) ceW eqmLele SkeÀ Debleje&äêr³e
yeQeEkeÀie FkeÀeF& (DeeF&yeer³et) Yeer Meeefceue nw~ yeQkeÀ keÀer 21 keÀjWmeer ®esmì Yeer nQ. JewkeÀequhekeÀ ef[ueJejer ®ewveueeW ceW yeQkeÀ kesÀ 3,700 SìerSce Deewj 58 F&-ueeGbpe nQ~
efoveebkeÀ 31 cee®e& 2019 keÀes DeeF&[eryeerDeeF& yeQkeÀ kesÀ (SkeÀue) legueve he$e keÀe DeekeÀej ` 3,20,284 keÀjesæ[ Deewj kegÀue keÀejesyeej ` 3,74,162 keÀjesæ[ Lee ~ yeQkeÀ keÀer
cegK³e efJeÊeer³e efJeMes<eleeSB veer®es oer ieF& nQ:
49
keÀejesyeej efJeMes<eleeSB
31 cee®e& 2019 (` keÀjesæ[ ceW)
peceejeefMe³eeB 2,27,372
- keÀemee peceejeefMe³eeB 96,730
- keÀemee keÀe efnmmee (…) 42.54…
Deefieće 1,82,097
- keÀe@jheesjsì 88,928
- efjìsue 93,170
- keÀe@jheesjsì : efjìsue (…) 49:51…
ueeYe SJeb neefve

DeJeefOe kesÀ efueS 2018-19 (` keÀjesæ[ ceW)
kegÀue Dee³e 25,372
- y³eepe Dee³e 22,071
- Dev³e Dee³e 3,300
kegÀue J³e³e (heéJeOeeveeW kesÀ DeueeJee) 21,319
- y³eepe J³e³e 16,166
- heefj®eeueve J³e³e 5,154
efveJeue y³eepe Dee³e 5,906
heefj®eeueveiele ueeYe 4,052
heéJeOeeve SJeb DeekeÀeqmcekeÀ J³e³e 19,168
keÀj he½eeled ueeYe/ (neefve) (15,116)
hetbpeer Devegheele
³eLee 31 cee®e& 2019
meerDeejSDeej 11.58…
efì³ej 1 Devegheele 9.13…
50
50
28. DeeYeej heóMe&ve

Yeejleer³e peerJeve yeercee efveiece, Deheves keÀe³ee&ue³eeW ceW oewjs hej Dee³eer efJeefYeVe mebmeoer³e meefceefle³eeW, kesÀvêer³e efJeÊe ceb$eer (J³e³e, yeweEkeÀie SJeb yeercee), kesÀvêer³e efJeÊe
jep³eceb$eer, efJeÊe ceb$eeue³e kesÀ yeercee efJeYeeie, Deee|LekeÀ keÀe³e& efJeYeeie SJeb Yeejleer³e yeercee efJeefve³eecekeÀ efJekeÀeme heéefOekeÀjCe keÀes efJeefYeVe cegÎeW hej GvekesÀ meef¬eÀ³e
meceLe&ve, meueen SJeb men³eesie kesÀ efueS nee|okeÀ Oev³eJeeo %eeefhele keÀjlee nw ~
Yeejleer³e peerJeve yeercee efveiece, yees[& kesÀ meom³eeW, keÀe³e&keÀejer meefceefle, efveJesMe meefceefle, YeJeve meueenkeÀej meefceefle, uesKee hejer#eCe meefceefle, hee@efuemeerOeejkeÀ
mebj#eCe meefceefle, peesefKece heýebOeve meefceefle, Mes³ejOeejkeÀ efveosMekeÀ ®egveeJe meefceefle, efJeuHegÀue ef[HeÀeuìj meceer#ee meefceefle met®evee heéwÐeesefiekeÀer jCeveerleer meefceefle
SJeb heefjÞeefcekeÀ meefceefle kesÀ heéfle ke=Àle%e nw, efpevneWves Decetu³e efoMee-efveoxMe SJeb ceeie&oMe&ve efo³ee~
efJeÊeer³e Je<e& 2017-18 kesÀ oewjeve efpeve yees[& kesÀ meom³eeW keÀe keÀe³e&keÀeue meceehle ngDee nw, Yeejleer³e peerJeve yeercee efveiece GvekesÀ ³eesieoeve keÀer mejenvee keÀjlee
nw Deewj efveÿehetJe&keÀ Oev³eJeeo J³eÊeÀ keÀjlee nw~
Yeejleer³e peerJeve yeercee efveiece Deheves ueeKeeW heeefuemeerOeejkeÀeW kesÀ heéfle Yeer ke=Àle%elee J³eÊeÀ keÀjlee nw, efpevneWves nce hej hegveë Yejesmee efkeÀ³ee leLee mebieþve keÀes
Dehevee meceLe&ve peejer jKee ~
efveiece kesÀ mecemle DeefOekeÀeefjieCe, keÀce&®eejerieCe SJeb DeefYekeÀlee&ieCe efpevneWves mebmLee kesÀ efJekeÀeme leLee íefye keÀer mebJe=eqOo ceW Dehevee ³eesieoeve efo³ee nw, he´Mebmee
kesÀ hee$e nQ ~
51
52
52
HeefjCeeceeW keÀe meejebMe

veJe J³eJemee³e 2018-2019 2017-2018
Je<e& kesÀ oewjeve (` keÀjesæ[ ceW) (` keÀjesæ[ ceW)
J³eeqkeÌleiele yeercee
yeercee Oeve/SvemeerDees/Sce Sme yeer
keÀ) yeerces 550187.71 532897.48
Ke) Jeeef<ee|keÀ³eeB* 6990.76 0.00
ie) HeWMeve* 449.16 562.10
Ie) iewj mebye× mJeemLe*** 24563.17 14959.65
*) mebye× 290.00 796.45
Hee@efuemeer³eeW keÀer mebK³ee (ueeKe ceW)
keÀ) yeerces 208.10 207.27
Ke) Jeeef<ee|keÀ³eeB 3.30 3.64
ie) HeWMeve 0.09 0.11
Ie) iewj mebye× mJeemL³e 2.62 2.00
*) mebye× 0.07 0.24
mecetn ³eespeveeSB
yeercee Oeve (mebye× J³eJemee³e meefnlee) 499085.63 683601.4
Jeeef<ee|keÀ³eeB keÀe Yegieleeve 709.84 789.38
Jeeef<ee|keÀ³eeW kes efueS ÒeefleHeue # 42083.58 47421.94
³eespeveeDeeW keÀer mebK³ee
mecetn yeercee (mebJeeo J³eJemee³e mebefnle) 29111 26357
meeceeefpekeÀ megj#ee mecetn ³eespeveeSB 23 892
mecetn mesJeeefveJe=efÊe 217 229
peerJeveeW keÀer mebK³ee (ueeKe ceW)
mecetn yeercee (mebye× J³eJemee³e meefnle) 376.74 227.99
mecetn yeercee meecefpekeÀ megj#ee mecetn ³eespeveeSB 179.61 373.16
mecetn mesJeeefveJe=eflle 6.66 4.27
®eeuet J³eJemee³e
Je<e& keÀer meceeefHle Hej
yeercee Oeve SJeb yeesveme / SHeerSs / Sce Sme yeer
keÀ) yeerces 5309500.67 4985706.55
Ke) Jeeef<ee|keÀ³eeB* 5206.99 4046.96
ie) HeWMeve* 2078.12 2036.48
Ie) iewj mebye× mJeemL³e*** 39445.24 22224.98
*) mebye× 40082.35 42823.00
Hee@efuemeer³eeW keÀer mebK³ee (ueeKe ceW)
keÀ) yeerces 2822.43 2823.52
Ke) Jeeef<ee|keÀ³eeB 18.21 15.04
ie) HeWMeve 15.42 15.65
Ie) iewj mebye× mJeemL³e 5.71 4.62
*) mebye× 47.93 53.92
mecetn ³eespeveeSB
yeercee Oeve (mebye× J³eJemee³e meefnle) 2014919.30 1689088.82
Jeeef<ee|keÀ³eeB keÀe Yegieleeve 7183.98 6053.71
Jeeef<ee|keÀ³eeB kesÀ efueS ÒeefleHeÀue # 299940.45 276649.71
³eespeveeDeeW keÀer mebK³ee
mecetn yeercee (mebyeOo J³eJemee³e mebefnle) 139642 138013
mecetn mesJeeefveJe=efle 23426 22938
peerJeveeW keÀer mebK³ee (ueeKe ceW)
mecetn yeercee (mebye× J³eJemee³e meefnle) 1071.16 1091.95
mecetn mesJeeefveJe=eflle 89.64 86.63
*Sve meer Dees Jesu³et - veesMeveue ke@ÀMe Dee@HMeve, **S Heer S Jesu³et - ÒeefleJe<e& Jeeef<ee|keÀ³eeB, ***Sce Sme yeer - cespej meefpe&keÀue yesefveefHeÀì # ³en jkeÀce YeefJe<³e Jeeef<ee|keÀ³eeB kesÀ efueS GHeueyOe nw
53
Dee³e keÀe efJeMues<eCe

(` keÀjesæ[ ceW)
237563
J³eefkeÌleiele yeercee 227023
708
J³eefkeÌleiele HesMevme ³eespevee
759
98114
89191
mecetn ³eespevee
801
efuebkeÌ[ J³eJemee³e Òeerefce³ece
877
221574
efveJesMe mes Dee³e 208728
841
efJeefJeOe 801
Gef®ele cetu³e ceW yeoueeJe kesÀ ®eueles Devlej 1184

efuebkeÌ[ J³eJemee³e (³etefveì HebÀ[) -3769
-20000 0 20000 40000 60000 80000 100000 120000 140000 160000 180000 200000 220000 240000 260000
2018-19 2017-18
HeefjCeeceeW keÀe meejebMe (peejer)

Dee³e 2018-2019 2017-2018
(` keÀjesæ[ ceW) (` keÀjesæ[ ceW)
ÒeLece Je<eea³e Òeerefce³ece 26587.02 25098.37
efHeíues Je<e& Hej ÒeefleMele Je=ef× 5.93 13.18
HejJeleer& Òeerefce³ece 186505.07 175269.54
SkeÀue Òeerefce³ece SJeb cebpetj Jeeef<ee|keÀ³eeW kesÀ efueS ÒeefleHeÀue 24470.47 26655.09
J³eefkeÌleiele HeWMeve ³eespeveeSB
ÒeLece Je<eea³e Òeerefce³ece 22.15 29.88
cebpetj Jeeef<ee|keÀ³eeW kesÀ efueS ÒeefleHeÀue 8.92 16.60
mecetn ³eespeveeSB
mecetn yeercee Òeerefce³ece 42215.62 31010.28
mecetn mesJee - efveJe=Êeer Òeerefce³ece 55898.70 58181.46
mebyebOo J³eJemee³e Òeerefce³ece 800.79 877.06
kegÀue efÒeceer³ece Dee³e 337185.40 317850.99
efHeíues Je<e& Hej ÒeefleMele Je=ef×
efveJesMeeW mes Dee³e 221573.72 208727.97
efJeefJeOe 841.26 801.13
kegÀue Dee³e 559600.38 527380.09
Gef®ele cetu³e ceW yeoueeJe kesÀ ®eueles Deblej (³egefveì HebÀ[) 1184.01 -3768.98
Meg× kegÀue Dee³e 560784.39 523611.11
veesì: *efHeíues Je<e& kesÀ DeeBkeÀæ[eW keÀes DeeJeM³ekeÀlee Devegmeej Hegve: mebûeefnle efkeÀ³ee ie³ee nw~
54
54
Hee@efuemeer YegieleeDeeW keÀe efJeJejCe

(` keÀjesæ[ ceW)
152886
122643
70011
52326
17125 14386
10914 8764
HeefjHekeÌJelee oeJes ce=l³eg oeJes Jeeef<e&efkeÀ³eeB DeY³eHe&Ce
ÒeyebOeve J³e³e keÀe efJeJejCe

(` keÀjesæ[ ceW)
19872 21082
19311
18227
14853
14015
9310
9060
2661 2422
DeefYekeÀlee&DeeW keÀe keÀce&®eeefj³eeW keÀe Dev³e ÒeyebOeve J³e³e Dev³e

Dev³eJ³e³e(keÀj
J³e³e(keÀjmeb®mebe³e®e³eceW ceW keWÀê mejkeÀej keÀes
keÀefceMeve Deeefo Jesleve SJeb Dev³e ueeYe DeblDebejCe
lejCeDeeefDeeef
o)o) (5… cetu³eve keÀe DeefOeMes<e)

J³e³e 2018-2019 2017-2018
yeercee OeejkeÀeW keÀes Yegieleeve
HeefjHekeÌJelee oeJes 152885.88 122643.30
ce=l³et oeJes 17124.88 14385.60
Jeeef<e&efkeÀ³eeB (jeefMe) 10914.30 8764.46
DeY³ebHeCe& Deeefo (jeefMe) 70011.17 52326.47
kegÀue jeefMe 250936.23 198119.83
55

ÒeyebOeve J³e³e 2018-2019 2017-2018
DeefYekeÀlee&DeeW keÀes keÀceerMeve Deeefo 19311.19 18226.82
keÀce&®eeefj³eeW keÀes Jesleve leLee Dev³e ueeYe 19871.89 21081.97
Dev³e ÒeyebOeve J³e³e 9310.13 9060.42
kegÀue 48493.21 48369.21
Dev³e J³e³e
Dev³e J³e³e (keÀj, meb®e³e keÀes DevlejCe, Deeefo) 14853.25 14015.19
kesÀvê mejkeÀej keÀes ÒeoÊe cetu³eve DeefOeMes<e keÀe 5 ÒeefleMele 2660.60 2421.82
kegÀue 17513.85 16437.01

kegÀue J³e³e 316943.29 262926.05
* efHeíues Je<e& kesÀ DeebkeÀ[es keÀes DeeJeM³ekeÀlee Devegmeej SkeÀef$ele efkeÀ³ee ie³ee nw~
Hee@efuemeer os³eleeSb 2018-2019 2017-2018

Demebye× J³eJemee³e
Je<e& kesÀ ÒeejcYe ceW Hee@efuemeer os³eleeSb 2533564.65 2263289.12
pees[ : J³eJe mes Dee³e keÀe DeeefOekeÌ³e 253147.48 270275.53
Je<e& kesÀ Devle ceW Hee@efuemeer os³elee 2786712.13 2533564.65
efHeíues Je<e& Hej ÒeefleMele Je=×er 9.99% 11.94%
mebye× J³eJemee³e
Je<e& kesÀ ÒeejcYe ceW Hee@efuemeer os³eleeSb 50920.27 60512.33
pees[ : J³eJe mes Dee³e keÀe DeeefOekeÌ³e -9312.28 -9592.06
Je<e& kesÀ Devle ceW Hee@efuemeer os³elee 41607.99 50920.27
efHeíues Je<e& Hej ÒeefleMele Je=×er -18.29% -15.85%
Je<e& keÀer meceeefHle Hej yekeÀe³ee oeJes 2018-2019 2017-2018

HeefjHekeÌJelee 4291.57 3141.64
ce=l³et 143.40 95.91
kegÀue 4434.97 3237.55
ÒeyebOeve J³e³e keÀe kegÀue Òeerefce³ece Dee³e mes DevegHeele

DeefYekeÀlee&DeeW keÀes keÀefceMeve Deeefo 5.73% 5.74%
keÀce&®eeefj³eeW keÀe Jesleve leLee Dev³e ueeYe 5.89% 6.63%
ÒeyebOeve kesÀ Dev³e J³e³e 2.76% 2.85%
mekeÀue J³e³e DevegHeele 14.38% 15.21%
yekeÀe³ee oeJeeW keÀe os³e oeJeeW mes DevegHeele 2.61 2.36

Deewmele peerJeve yeercee efveefOe Hej ÒeeHle y³eepe keÀer oj 7.59% 7.71%
56
56
veJe J³eJemee³e 2015-16 mes 2017-18
Hee@efuemeer³eeB
(` keÀjesæ[ ceW)
yeercee Oeve / SvemeerDees Jeeef<e&keÀ Òeerefce³ece ÒeeH³e

veJe J³eJemee³e (J³eeqkeÌleiele)

meejCeer meb 1 S
Yeejle ceW J³eJemee³e Yeejle kesÀ yeenj J³eJemee³e kegÀue veJe J³eJemee³e
Je<e& Hee@efuemeer³eeW yeercee Oeve/ ÒeeHle Jeeef<e&keÀ Hee@efuemeer³eeW yeercee Oeve/ ÒeeHle Jeeef<e&keÀ Hee@efuemeer³eeW yeercee Oeve/ ÒeeHle Jeeef<e&keÀ
keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece
SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW)
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
2016-2017 19603332 472122.09 24532.43 14378 825.02 41.18 19617710 472947.11 24573.60
2017-2018 20711779 531992.11 27579.78 15376 905.37 47.11 20727155 532897.48 27626.90
2018-2019 20795524 549210.97 28832.54 14472 976.74 47.55 20809996 550187.71 28880.09
meeceev³e Jeeef<e&keÀer
2016-2017 348251 0.00 0.00 - - - 348251 0.00 0.00
2017-2018 363756 0.00 0.00 - - - 363756 0.00 0.00
2018-2019 330260 6990.76 0.00 - - - 330260 6990.76 0.00
57
veJe J³eJemee³e (J³eeqkeÌleiele) (peejer)

meejCeer meb 1 S
Yeejle ceW J³eJemee³e Yeejle kesÀ yeenj J³eJemee³e kegÀue veJe J³eJemee³e
keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece keÀer mebK³ee SvemeerDees/ Òeerefce³ece
SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW) SHeerS (` keÀjes[ ceW)
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
HesvMeve
2016-2017 17258 867.73 93.07 - - - 17258 867.73 93.07
2017-2018 10635 562.10 29.95 - - - 10635 562.10 29.95
2018-2019 8849 449.16 24.31 - - - 8849 449.16 24.31
iewj-mebye× mJeemLe peerJeve Deejesi³e
2016-2017 129943 3013.26 61.03 - - - 129943 3013.26 61.03
2017-2018 200214 14959.65 100.43 - - - 200214 14959.65 100.43
2018-2019 262498 24563.17 122.68 - - - 262498 24563.17 122.68
Unit Linked
³egefveì mebyebOeer veJe Sb[ewceWvì
2016-2017 4459 190.13 19.01 - - - 4459 190.13 19.01
2017-2018 24316 795.03 79.50 - - - 24316 795.03 79.50
2018-2019 6774 287.93 28.79 - - - 6774 287.93 28.79
³et.kesÀ. mebyeOo
2016-2017 - - - 7 1.05 0.10 7 1.05 0.10
2017-2018 - - - 10 1.41 0.00 10 1.41 0.00
2018-2019 - - - 10 2.97 0.00 10 2.97 0.00
* peerJeve Deejesi³e kesÀ Debleie&le yeerceeOeve kesÀ keÀe@uece ceW cespej meeefpe&keÀue ueeYe oMee&³ee ie³ee nw~
58
58
veJe J³eJemee³e mecetn yeercee (meeceeefpekeÀ megj#ee meefnle)

³eespeveeDeesb keÀer mebK³ee
30500
30000
29134
29500
29000
28013
28500
28000
27249
27500
27000
26500
26000
2016-2017 2017-2018 2018-2019
meom³eeW keÀer mebK³ee (ueeKees ceW) yeerceeOeve / Jeeef<e&keÀ ÒeefleJe<e& (` keÀjesæ[ ceW)
601
620
683601
800000
600
700000
556
580 499086
600000
560 528 500000
400000
540
195318
300000
520
200000
500
100000
480 0
2016-2017 2017-2018 2018-2019 2016-2017 2017-2018 2018-2019
veJe J³eJemee³e (mecetn)

meejCeer meb 1 yeer
Je<e& ³eespeveeDeeW keÀer mebK³ee meom³eeW keÀer mebK³ee yeercee Oeve Jeeef<e&efkeÀ³eeW yeeef<e&keÀ³eeW kesÀ efueS
(ueeKeeW ceW) keÀe Yegileeve ÒeefleHeÀue
(` keÀjeWæ[ ceW) (` keÀjeWæ[ ceW)
mecetn yeercee (meeceeefpekeÀ megj#ee meefnle)
2016-2017 28013 527.99 195318.27 0.00
2017-2018 27249 601.15 683601.40 0.00
2018-2019 29134 556.34 499085.63 0.00
mecetn mesJeeefveJe=efle
2016-2017 245 3.75 721.09 46545.87
2017-2018 229 4.27 789.38 47421.94
2018-2019 217 6.66 709.84 42083.58
59
gmaUr g§. 2 amÁ`-dma gm_m{OH$ gwajm H$daoO Am¡a Xmdo 2018-19

EZO~r OrdZ EgEgEg nwZéÁOdrZ amÁ`-dma {d{^ÝZ EgEgEg Xmdm AXm`Jr
amÁ` H$m Zm_ (ê$nm§V[aV nrE_ (ê$nm§V[aV nrE_ Hw$b H$daoO YZam{e
gm gw `m ny~© EE~rdmB g§»`m
Oo~rdmB©+EE~rdmB©) OoOo~rdmB© Ed§ EE~rdmB©) (` H$amoS _o§>)
1 2 3 4 5 6 7
A§S>_mZ Ed§ {ZH$mo~ma Ûrn g_yh 0 0 0 0 0 0 0.00
Am§Y« àXoe 596807 22282164 22878971 0 2251 104941 1455.92
AéUmMb àXoe 3695 0 3695 0 0 0 0.00
Ag_ 80697 13609 94306 0 450 0 2.62
{~hma 1219943 66966 1286909 0 399 448 10.19
M§S>rJ‹T> 0 0 0 0 264 7 1.04
N>ËVrgJ‹T> 778335 727764 1506099 482 3893 43 13.75
XmXa Ed§ ZJa hdobr 0 0 0 0 0 0 0.00
X_Z Am¡a Xrd 0 0 0 0 0 0 0.00
{Xëbr 0 0 0 0 71 0 0.40
Jmodm 0 0 0 0 4 0 0.02
JwOamV 0 0 0 0 168 0 0.73
h[a`mUm 0 0 0 0 5 0 0.02
{h_mMb àXoe 13843 0 13843 0 1 1 0.02
Oå_y Ed§ H$í_ra 20753 0 20753 0 166 0 0.97
PmaI§S> 525689 7908 533597 0 66 3 0.27
H$Zm©Q>H$ 2416272 0 2416272 0 3552 48 12.72
Ho$ab 312148 295482 607630 0 473 290 5.38
bjÛrn 0 0 0 0 0 0 0.00
_Ü` àXoe 0 0 0 1842 3392 0 13.47
_hmamîQ´> 0 0 0 0 4669 0 15.54
_{Unwa 0 0 0 0 0 0 0.00
_oKmb` 0 0 0 0 0 0 0.00
{_Omoa_ 0 0 0 0 0 0 0.00
ZmJmb¢S> 1209 0 1209 0 0 0 0.00
C‹S>rgm 1048306 260004 1308310 0 1863 0 5.96
nwÔþMoar 0 0 0 0 0 0 0.00
n§Om~ 0 0 0 0 2 0 0.02
amOñWmZ 104490 326595 431085 0 423 152 4.11
{g{¸$_ 0 0 0 0 22 0 0.12
V{_bZmSw> 18224 0 18224 0 957 240 6.13
Vob§JmZm 0 0 0 0 0 0 0.00
{Ìnwam 0 0 0 0 2 0 0.01
CËVa àXoe 2504254 593158 3097412 0 1113 1 3.66
CËVam§Mb 0 0 0 0 26 0 0.09
npíM_ ~§Jmb 0 0 0 0 23 0 0.07
Omo‹S> 9644665 24573650 34218315 2324 24255 106174 1553.22
Ho¨ Ðr` _¨Ímmb` H r `moOZmE 316750 2275320 2592070 0 0 312 4.78
nrE_OoSrdm` Xmdo 8000000 0 0 0 0 666 2.00
Omo‹S 17961415 26848970 44810385 2324 24255 107152
1559.99
Xmdm| H r Hw b g¨»`m (4+5+6) 133731
AXm H r JB© Xmdm am[e.
i) nwd© EE~rdmB©, énm§V[aV EE~rdmB© Ed¨ nrE_OoSrdm` @ ` 30,000/-
o rdm` @ ` 2,00,000/-
ii) énm§V[aV nrE_OoO~
iii) Eg²Eg²OrEg² - `moOZm Ho AZwgma [d[eï bm^
60
60
J³eefkeÌleiele yeercee kesÀ Debleie&le kegÀue ®eeuet J³eJemee³e
Hee@efuemeer³eeW keÀer mebK³ee

(keÀjes[b ceW)
28.08 28.24 28.22
30
25
20
15
10
2016-17 2017-18 2018-19
yeercee Oeve / SHeerS yeeef<e&keÀ Òeerefce³ece ÒeeH³e

(` keÀjes[b ceW) ( ` keÀjes[b ceW)
®eeuet J³eJemee³e (J³eeqkeÌleiele)

meejCeer meb. 3 S
Yeejle ceW ®eeuet J³eJemee³e Yeejle kesÀ yeenj ®eeuet J³eJemee³e ketÀue ®eeuet J³eJemee³e
keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
2016-2017 280651046 3965294.32 187173.13 104063 5038.25 250.56 280755109 3970332.57 187423.69
2017-2018 282245330 4250255.66 198474.33 106223 5267.45 268.68 282351553 4255523.11 198743.01
2018-2019 282137112 4503861.81 211259.75 106225 5796.42 288.25 282243337 4509658.22 211548.00
meeceev³e Jeeef<e&keÀer
2016-2017 1145890 2743.04 12.54 1 0.00 0.00 1145891 2743.04 12.54
2017-2018 1504249 4046.96 10.57 1 0.00 0.00 1504250 4046.96 10.57
2018-2019 1820911 5206.99 9.31 1 0.00 0.00 1820912 5206.99 9.31
HesvMeve
2016-2017 1588449 1897.79 866.93 171 1.47 0.12 1588620 1899.26 867.04
2017-2018 1564651 2034.92 770.43 171 1.56 0.12 1564822 2036.48 770.56
2018-2019 1541649 2076.60 720.58 171 1.52 0.11 1541820 2078.12 720.69
iewj mebye× mJeemLe peerJeve Deejesi³e *
2016-2017 389230 9989.01 206.08 - - - 389230 9989.01 206.08
2017-2018 461845 22224.98 251.03 - - - 461845 22224.98 251.03
2018-2019 570669 39445.24 305.63 - - - 570669 39445.24 305.63
³etefveì mebJeOeer HeÌ³et®ej Hueme
2016-2017 92231 51.26 11.36 - - - 92231 51.26 11.36
2017-2018 76820 46.03 10.10 - - - 76820 46.03 10.10
2018-2019 66562 42.05 9.13 - - - 66562 42.05 9.13
peerJeve Hueme
2016-2017 82155 1521.36 156.17 - - - 82155 1521.36 156.17
2017-2018 74740 1402.79 153.01 - - - 74740 1402.79 153.01
2018-2019 69347 1306.58 151.12 - - - 69347 1306.58 151.12
61
®eeuet J³eJemee³e (J³eeqkeÌleiele) (peejer)

meejCeer meb. 3 S
Yeejle ceW ®eeuet J³eJemee³e Yeejle kesÀ yeenj ®eeuet J³eJemee³e ketÀue ®eeuet J³eJemee³e
keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece keÀer mebK³ee SvemeerDees/SHeerS Òeerefce³ece
(` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW) (` keÀjes[ ceW)
ceveer Hueme
2016-2017 264684 2653.18 214.55 - - - 264684 2653.18 214.55
2017-2018 199991 2135.87 168.44 - - - 199991 2135.87 168.44
2018-2019 178986 1912.11 152.50 - - - 178986 1912.11 152.50
ceekexÀì Hueme
2016-2017 969816 216.19 85.50 - - - 969816 216.19 85.50
2017-2018 553581 167.94 60.61 - - - 553581 167.94 60.61
2018-2019 483847 147.75 56.22 - - - 483847 147.75 56.22
HeÀe@®³e&tve Hueme
2016-2017 32748 724.36 0.00 - - - 32748 724.36 0.00
2017-2018 20140 507.69 0.00 - - - 20140 507.69 0.00
2018-2019 13992 391.12 0.00 - - - 13992 391.12 0.00
Òee@efHeÀì Hueme
2016-2017 391457 4139.30 0.00 - - - 391457 4139.30 0.00
2017-2018 286953 3225.43 0.00 - - - 286953 3225.43 0.00
2018-2019 232597 2735.65 0.00 - - - 232597 2735.65 0.00
ceveer Hueme-1
2016-2017 31767 321.29 31.54 - - - 31767 321.29 31.54
2017-2018 26212 264.82 27.19 - - - 26212 264.82 27.19
2018-2019 18598 200.28 20.85 - - - 18598 200.28 20.85
®eeFu[ HeÀe@®³et&ve Hueme
2016-2017 18351 370.25 19.45 - - - 18351 370.25 19.45
2017-2018 16537 336.75 17.68 - - - 16537 336.75 17.68
2018-2019 15250 312.48 16.22 - - - 15250 312.48 16.22
ceekexÀì Hueme 1
2016-2017 1507639 312.23 159.90 - - - 1507639 312.23 159.90
2017-2018 1249746 267.18 134.52 - - - 1249746 267.18 134.52
2018-2019 992099 224.57 113.20 - - - 992099 224.57 113.20
nsuLe Hueme *
2016-2017 96850 3985.22 98.03 - - - 96850 3985.22 98.03
2017-2018 88350 3653.43 89.99 - - - 88350 3653.43 89.99
2018-2019 79747 3320.53 81.01 - - - 79747 3320.53 81.01
nsuLe ÒeeìskeÌMeve Hueme *
2016-2017 98345 3909.43 48.20 - - - 98345 3909.43 48.20
2017-2018 95695 3812.82 49.42 - - - 95695 3812.82 49.42
2018-2019 93020 3716.49 44.62 - - - 93020 3716.49 44.62
peerJeve meeLeer Hueme
2016-2017 3115 45.55 3.26 - - - 3115 45.55 3.26
2017-2018 2803 41.35 2.97 - - - 2803 41.35 2.97
2018-2019 2577 37.51 2.72 - - - 2577 37.51 2.72
JewuLe Hueme
2016-2017 1394932 14963.47 0.00 - - - 1394932 14963.47 0.00
2017-2018 1299666 13924.18 0.00 - - - 1299666 13924.18 0.00
2018-2019 1291930 13842.10 0.00 - - - 1291930 13842.10 0.00
Sb[escesì Hueme
2016-2017 838671 7396.66 158.35 - - - 838671 7396.66 158.35
2017-2018 664958 5859.97 126.97 - - - 664958 5859.97 126.97
2018-2019 580609 5086.71 109.56 - - - 580609 5086.71 109.56
HesvMeve Hueme
2016-2017 79541 0.00 85.10 - - - 79541 0.00 85.10
2017-2018 68704 0.00 75.85 - - - 68704 0.00 75.85
2018-2019 62925 0.00 70.90 - - - 62925 0.00 70.90
mece=×er Hueme
2016-2017 723724 6718.15 51.94 - - - 723724 6718.15 51.94
2017-2018 626486 5781.81 39.73 - - - 626486 5781.81 39.73
2018-2019 566451 5213.35 32.76 - - - 566451 5213.35 32.76
HeÌueskeÌmeer Hueme
2016-2017 1541 35.51 3.55 - - - 1541 35.51 3.55
2017-2018 1282 29.90 2.99 - - - 1282 29.90 2.99
2018-2019 1005 23.13 2.31 - - - 1005 23.13 2.31
v³et Sb[escesì Hueme
2016-2017 15528 546.63 54.66 - - - 15528 546.63 54.66
2017-2018 39155 1315.25 131.52 - - - 39155 1315.25 131.52
2018-2019 43314 1515.68 151.56 - - - 43314 1515.68 151.56
³et.kesÀ. mebye×
2016-2017 - - - 339 59.96 5.03 339 59.96 5.03
2017-2018 - - - 313 49.80 4.59 313 49.80 4.59
2018-2019 - - - 300 54.25 4.86 300 54.25 4.86
* peerJeve Deejesi³e, nsuLe ÒeesìskeÌMeve Hueme ³eespeveeDeeW kesÀ Debleie&le yeerceeOeve kesÀ keÀe@uece ceW cespej meeefpe&keÀue ueeYe oMee&³ee ie³ee nw~
62
62
®eeuet J³eJemee³e (mecetn)

Òeerefce³ece (` keÀjesæ[ ceW) yeercee Oeve / SvemeerDees/SHeerS (` keÀjesæ[ ceW)
mecetn ³eespevee meom³e (ueeKeeW ceW)
®eeuet J³eJemee³e (mecetn)

meejCeer meb 3 yeer
³eespeveeDeeW keÀer meom³eeW keÀer yeercee Oeve/ yeeef<e&efkeÀ³eeW kesÀ Òeerefce³ece Dee³e
mebK³ee mebK³ee mew. ve.efJe./ efueS (` keÀjeWæ[ ceW)
Je<e& (ueeKeeW ceW) Jeeef<e&efkeÀ³eeW ÒeefleHeÀue *
keÀe Yegileeve (` keÀjeWæ[ ceW)
(` keÀjeWæ[ ceW)
mecetn yeercee (meeceeefpekeÀ megj#ee meefnle)
2016-2017 138066 1072.44 1107354.19 0 28192.25
2017-2018 137978 1091.55 1688731.03 0 31010.28
2018-2019 139610 1070.86 2014670.17 0 42290.60
mecetn mesJeeefveJe=efle
2016-2017 22413 72.91 5267.48 231563.41 57788.39
2017-2018 22938 86.63 6053.71 276649.71 58181.46
2018-2019 23426 89.64 7183.98 299940.45 55898.70
meyebOo J³eJemee³e - peer Hueme
2016-2017 39 0.39 305.59 0 11.80
2017-2018 35 0.39 357.79 0 11.79
2018-2019 32 0.31 249.13 0 9.60
* ³en jkeÀce YeeefJe<³e Jeeef<e&efkeÀ³eeW kesÀ efueS GHeueyOe nw~
63
64
meejCeer meb 4 ÒeHe$e [er[er
Hee@efuemeer kesÀ yeejs ceW meebefJeefOekeÀ efJeJejCe
veJe peerJeve yeercee J³eJemee³e efpemekeÀe efÒeceer³ece 2017-18 Je<e& kesÀ oewjeve Deoe efkeÀ³ee ie³ee nw 31.03.18 Je<e& keÀer meceeefÊe Hej kegÀue ®eeuet yeercee J³eJemee³e
Hee@efuemeer³eeB yeercee-jeefMe leLee Jeeef<e&efkeÀ³eeW kesÀ efueS SkeÀue Òeerefce³ece Jeeef<e&keÀ HejJeleer& Òeerefce³ece Hee@efuemeer³eeB keÀer yeesveme efmenle yeercee jeefMe Jeeef<e&efkeÀ³eeW kesÀ efueS ÒeefleHeÀue Òeerefce³ece Dee³e pees jepemJe
keÀer mebK³ee Jeeef<e&efkeÀ³eeW ÒeefleHeÀue ÒeefleHeÀue mebK³ee leLee Jeeef<e&keÀer³eeW Òeefle Je<e& uesKes ceW efoKeeF& ieF& nw
(1) (2) (3) (4) (5) (6) (7) (8) (09) (10)
meeOeejCe Hee@efuemeer³eeB **
Yeejle ceW 20795524 5492109737679 - 78994895577 288325426213 282137112 53028108972561 - 2206317622590
Yeejle kesÀ yeenj 14472 9767403167 - 859832394 475488234 106225 66897759078 - 3702690252
ketÀue 20809996 5501877140846 - 79854727971 288800914447 282243337 53095006731639 - 2210020312842

Jeeef<e&keÀer mebefJeoe³eW, Deeefo
Yeejle ceW 330260 69907556233 - 164850020024 - 1820911 52069940066 - 164945039214
Yeejle kesÀ yeenj - - - - - 1 2708 - -
ketÀue 330260 69907556233 - 164850020024 - 1820912 52069942774 - 164945039214
iewj-mebyeOo mJeemL³e -peerJeve Deejesi³e #
Yeejle ceW 262498 245631700000 - - 1226792754 570669 394452350000 - 2978361060
ketÀue 262498 245631700000 - - 1226792754 570669 394452350000 - 2978361060
³etveerì efuebkeÌ[ Hueeve-yeerceer Hueme
Yeejle ceW - - - - - - - - -
ketÀue - - - - - - - - -
efuebkeÌ[ Hueeve-HeÌ³et®ej Hueme
Yeejle ceW - - - - - 66562 420511360 - 59494000
ketÀue - - - - - 66562 420511360 - 59494000
efuebkeÌ[ Hueeve-peerJeve Hueme
Yeejle ceW - - - - - 69347 13065800000 - 328627972
ketÀue - - - - - 69347 13065800000 - 328627972
efuebkeÌ[ Hueeve-ceveer Hueme
Yeejle ceW - - - - - 178986 19121101250 - 1585271290
ketÀue - - - - - 178986 19121101250 - 1585271290
efuebkeÌ[ Hueeve-ceekexÀì Hueme
Yeejle ceW - - - - - 483847 1477495000 - 378559783
ketÀue - - - - - 483847 1477495000 - 378559783
efuebkeÌ[ Hueeve-HeÀe@®³e&tve Hueme
Yeejle ceW - - - - - 13992 3911200000 - -
ketÀue - - - - - 13992 3911200000 - -
efuebkeÌ[ Hueeve-Òee@HeÀerì Hueme
Yeejle ceW - - - - - 232597 27356490000 - -
ketÀue - - - - - 232597 27356490000 - -
efuebkeÌ[ Hueeve-ceveer Hueme 1
Yeejle ceW - - - - - 18598 2002820000 - 237048740
ketÀue - - - - - 18598 2002820000 - 237048740
efuebkeÌ[ Hueeve-®eeF&u[ HeÀe@®³e&tve Hueme
Yeejle ceW - - - - - 15250 3124805000 - 175631744
64
ketÀue - - - - - 15250 3124805000 - 175631744
efuebkeÌ[ Hueeve-ceekexÀì Hueme 1
Yeejle ceW - - - - - 992099 2245743000 - 1262746484
ketÀue - - - - - 992099 2245743000 - 1262746484
meejCeer meb 4 ÒeHe$e [er[er
Hee@efuemeer kesÀ yeejs ceW meebefJeefOekeÀ efJeJejCe
veJe peerJeve yeercee J³eJemee³e efpemekeÀe efÒeceer³ece 2017-18 Je<e& kesÀ oewjeve Deoe efkeÀ³ee ie³ee nw 31.03.18 Je<e& keÀer meceeefÊe Hej kegÀue ®eeuet yeercee J³eJemee³e
Hee@efuemeer³eeB yeercee-jeefMe leLee Jeeef<e&efkeÀ³eeW kesÀ efueS SkeÀue Òeerefce³ece Jeeef<e&keÀ HejJeleer& Òeerefce³ece Hee@efuemeer³eeB keÀer yeesveme efmenle yeercee jeefMe Jeeef<e&efkeÀ³eeW kesÀ efueS ÒeefleHeÀue Òeerefce³ece Dee³e pees jepemJe
keÀer mebK³ee Jeeef<e&efkeÀ³eeW ÒeefleHeÀue ÒeefleHeÀue mebK³ee leLee Jeeef<e&keÀer³eeW Òeefle Je<e& uesKes ceW efoKeeF& ieF& nw
(1) (2) (3) (4) (5) (6) (7) (8) (09) (10)
efuebkeÌ[ Hueeve-HeÌueskeÌmeer Hueme
Yeejle ceW - - - - - 1005 231310000 - 18473401
ketÀue - - - - - 1005 231310000 - 18473401
efuebkeÌ[ Hueeve-nsuLe Hueme #
Yeejle ceW - - - - - 79747 33205270000 - 824743558
ketÀue - - - - - 79747 33205270000 - 824743558
efuebkeÌ[ Hueeve-nsuLe ÒeesìskeÌMeve Hueme #
Yeejle ceW - - - - - 93020 37164894000 - 449077556
ketÀue - - - - - 93020 37164894000 - 449077556
efuebkeÌ[ Hueeve peerJeve meeLeer Hueme
Yeejle ceW - - - - - 2577 375145000 - 29630500
ketÀue - - - - - 2577 375145000 - 29630500
efuebkeÌ[ Hueeve-JesuLe Hueme
Yeejle ceW - - - - - 1291930 138420953000 - 265000
ketÀue - - - - - 1291930 138420953000 - 265000
efuebkeÌ[ Sv[esceWì Hueme
Yeejle ceW - - - - - 580609 50867115000 - 809977495
ketÀue - - - - - 580609 50867115000 - 809977495
efuebkeÌ[ - HesvMeve Hueme
Yeejle ceW - - - - - 62925 - - 568410820
ketÀue - - - - - 62925 - - 568410820
efuebkeÌ[ - mece=×er Hueme
Yeejle ceW - - - - - 566451 52133495000 - 1852752
ketÀue - - - - - 566451 52133495000 - 1852752
efuebkeÌ[ -v³et Sv[escesvì Hueme
Yeejle ceW 6774 2879280000 - - 287928000 43314 15156780000 - 1236901834
ketÀue 6774 2879280000 - - 287928000 43314 15156780000 - 1236901834
³et. kesÀ. mebye×
Yeejle kesÀ yeenj 10 29673549 - 33359469 - 300 542548663 - 72238076
ketÀue 10 29673549 - 33359469 - 300 542548663 - 72238076
HesvMeve
Yeejle ceW 8849 *** 89218177 243083299 1541649 20766039901 - 7078982453
Yeejle kesÀ yeenj - - - - - 171 15155690 - -
Total 8849 - - 89218177 243083299 1541820 20781195591 - 7078982453
mecetn yeercee Hee@efueefme³eeB 29134 4990856345116.14 - 355552718681 43415370127 139610 20146701680315 420835761717 422906042803
ketÀue 29134 4990856345116.14 - 355552718681 43415370127 139610 20146701680315 420835761717 422906042803
mecetn Jeeef<e&keÀ meefJeoe³eW Deeefo 217 7098351660 420835761717 509717381383 22583069841 23426 71839779065 2999404530525 558987000976
ketÀue 217 7098351660 420835761717 509717381383 22583069841 23426 71839779065 2999404530525 558987000976
mebyeOo J³eJemee³e (peer HuekeÌme) - - - - - 32 2491304584 - 96020887
ketÀue - - - - - 32 2491304584 - 96020887
** meeOeejCe Hee@efuemeer³eeB qJ³eeqkeÌleiele yeerceeW keÀe mebkesÀle keÀjleer nw~

*** mew×ebeflekeÀ efJekeÀuHe = ` 4491635000
65
# peerJeve Deejesi³e, nsuLe Hueme SJeb nsuLe ÒeesìskeÌMeve Hueme ³eespevee kesÀ Debleie&le yeerceeOeve kesÀ keÀe@uece ceW cespej meefpe&keÀue ueeYe oMee&³ee ie³ee nw~
peerJeve efveefOe
( ` keÀjes[b ceW)
(` in crore )
2828320
3000000
2584485
2700000
2323801
2400000
2100000
1800000
1500000
1200000
900000
2016-2017 2017-2018 2018-2019
keWÀê mejkeÀej keÀes ÒeoÊe 5… efnmmee (peerJeve J³eJemee³e)

( ` keÀjes[b ceW)
2661
2700 2422
2200
2400
2100
1800
1500
1200
900
2016-2017 2017-2018 2018-2019
peerJeve efveefOe, kegÀue DeefOeMes<e, kesÀvê mejkeÀej keÀes ÒeoÊe efnmmee SJeb ÒeoÊe keÀj
meejCeer meb. 5 ( ` keÀjes[b ceW)
Je<e& peerJeve efveefOe cetu³eebkeÀve jeskeÀe ie³ee kesÀvê mejkeÀej keÀes kesÀvê mejkeÀej keÀes mejkeÀej keÀes ÒeoÊe keÀj
DeefOeMes<e DeefOeMes<e ÒeoÊe 5… efnmmee 100… efnmmee HetBpeer keÀer jeefMe mesJee keÀj /
(peerJeve) peerJeve J³eJemee³e cees®eve SJeb efve. Jee. peer. Sme.ìer. meefnle
J³eJemee³e (peerJeve)
2016-2017 2323801.45 44006.67 - 2200.33 6.37 9427.46
2017-2018 2584484.92 48436.45 - 2421.82 8.37 10674.11
2018-2019 2828320.12 53211.91 - 2660.60 2.50 10923.19

* efHeíues Je<e& kesÀ DeeBkeÀæ[eW keÀe DeeJeM³ekeÀlee Devegmeej Hegve:mebûeefnle efkeÀ³ee ie³ee nw~
66
66
kegÀue efveJesMe : 2018-19
ÒeefleYetefle³ee@
` 2832128.95 keÀjesæ[
(94.90%)
$eÝCe
` 117352.93 keÀjesæ[ Dev³e eqveJesMe
(3.93%)
` 34849.37 keÀjesæ[
(1.17%)
$eÝCe ÒeefleYetefle³ee@ Dev³e eqveJesMe
31 cee®e&, 2019 keÀes efveJesMe

meejCeer meb. 6
31.03.2019 ( ` keÀjes[ ces)
Yeejle ceW efveJesMe
I $eÝCe 117168.56
II heéfleYetefle³eeb 2828433.85
III cegêe yeepeej efveJesMe 34822.03
kegÀue (Yeejle ces) 2980424.44
Yeejle kesÀ yeenj efveJesMe
I $eÝCe 184.37
II heéfleYetefle³eeb 3695.10
III cegêe yeepeej efveJesMe 27.34
kegÀue (Yeejle kesÀ yeenj) 3906.81
kegÀue pees[ (Yeejle ceW SJeb Yeejle kesÀ yeenj) mekeÀue] 2984331.25
67
yegefve³eeoer{eb®es SJeb meeceeefpekeÀ #es$eeW ceW efveJesMe 2018-19
efJeÐegle
`4534.21 keÀjesæ[
(22.01%)
Dev³e yegefve³eeoer megefJeOeeSb

` 9712.72 keÀjesæ[ kegÀue efveJesMe
(47.16%) ` 20596.93 keÀjesæ[
DeeJeeme
` 6350.00 keÀjesæ[
(30.83%)
DeeOeejYetle mebj®evee leLee meceepeesvcegKe #es$eeW keÀer efJeefYeVe mebmLeeDeeW keÀes Deefieće efoS ieS $eÝCe, $eÝCe he$e Deewj FeqkeÌJeìer
meejCeer meb. 7
2018-19 Je<e& ces oer
#es$e ieF& Deefieće jeefMe
(` keÀjesæ[)
1. heeJej ( efJeÐegle) 4534.21
2. DeeJeeme
De) ie=n efJeÊe keÀcheefve³eeW ces $eÝCe, $eÝCe he$e
ye) DeeJeeme ³eespeveeDeeW kesÀ efueS jep³e mejkeÀejeW kesÀ efo³es ie³es $eÝCe
Ke) efMeKej menkeÀejer DeeJeeme efJeÊe meefceefle³eeB Deewj Dev³e keÀes efo³es ie³es $eÝCe
ie) DeeJeeme efJele kebÀHeefve³eeW keÀes efoS ie³es $eÝCe, $eÝCe He$e Fl³eeefo 6350.00
3. eEme®eeF& /peueehete|le / ceueefvekeÀeme ³eespeveeS 0.00
4. meæ[keÀ Deewj HegueeW / Sme Deej ìer meer 8578.82
5. Dev³e yegefve³eeefo megefJeOeeSb 1133.90
kegÀue 20596.63
68
68
heefjefMeä - 1
Je<e& 31.03.2019 keÀes efveiece kesÀ Jeefj<þ DeefOekeÀejer
lr Hw$_ma E_. Ama. lr doUyJmonmb nr.
AÜ`j _hmg{Md, ^maVr` ~r_m g§ñWmZ, _w§~B©.
lr ^mJ©d ho_§V lr ZmJÝ`mb Ho$.Eg.
à~§Y {ZXoeH$ H$m`©H$mar {ZXoeH$ ({ZJ{_V g§àofU), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr doUyJmonmb ~r. lr amd {dH$mg gr.
à~§Y {ZXoeH$ joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, nQ>Zm
lr_Vr gwZrVm e_m© lr Xmg S>r.
à~§Y {ZXoeH$ {ZXoeH$, joÌr` à{ejU Ho$ÝÐ, H$mobH$mVm.
lr gwerb Hw$_ma Q>r. gr. lr gyX Ama.Ho$.
à~§Y {ZXoeH$ H$m`©H$mar {ZXoeH$ (g§nXm Ed§ H$m.go.) Ho$ÝÐr` H$m`m©b`, _w§~B©
lr H$ÊS>dmb amOoe lr Hw$_ma amHo$e
à_wI H$m`©H$mar (Ho$Aa), Ho$ÝÐr` H$m`m©b`, _w§~B© A{V[aº$ {ZXoeH$, à.{d.Ho$., _w§~B©
lr gmh dr. lr ~°ZOu S>r.Ho$.
à_wI H$m`©H$mar (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B© àmXo{eH$ à~§YH$ (A{^`m§{ÌH$s), Ho$ÝÐr` H$m`m©b`, _w§~B©.
lr lrdmñVd Eg. lr Mmdbm Or.Eg.
H$m`©H$mar {ZXoeH$ (H$m{_©H$), Ho$ÝÐr` H$m`m©b`, _w§~B© H$m`©H$mar {ZXoeH$ (gyMZm àm¡Úmo{JH$s/g§gmYH$ {dH$mg), Ho$ÝÐr`
gwlr {S>Ibo Eg.Eg. H$m`m©b`,_w§~B©
H$m`©H$mar {ZXoeH$ ({dnUZ/CËnmXZ {dH$mg),Ho$ÝÐr` H$m`m©b`, _w§~B© lr_Vr aËZ_ Z{bZr E_.
lr JUoe Ho$. H$m`©H$mar {ZXoeH$ (Zd ì`dgm` Ed§ nwZ~u_m), Ho$ÝÐr` H$m`m©b`, _w§~B©
H$m`©H$mar {ZXoeH$ (J«mhH$ g§~§Y à~§YZ), Ho$ÝÐr` H$m`m©b`, _w§~B©. lr n§JVr {XZoe Ho$.
lr AmZÝX {d{nZ à_wI H$m`©H$mar A{YH$mar (EMEE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©
joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, _w§~B©. lr _mohÝVr S>r.nr.
lr Mmdbm EZ.nr. H$m`©H$mar {ZXoeH$ (Am§V[aH$ boIm narjU), Ho$ÝÐr` H$m`m©b`, _w§~B©
à_wI H$m`©H$mar (H$mS©>), Ho$ÝÐr` H$m`m©b`, {Xëëmr. lr qgh Eg.gr.
lr gË`m Hw$_ma dr. à_wI H$m`©H$mar (EME\$Egb), Ho$ÝÐr` H$m`m©b`, _w§~B©
{ZXoeH$, à.{d.Ho$., _w§~B© lr O¡Z nr.Ho$.
lr gwXe©Z Ama. H$m`©H$mar {ZXoeH$ ({Zdoe/Omo.à.AZwg§YmZ), Ho$ÝÐr` H$m`m©b`, _w§~B©.
H$m`©H$mar {ZXoeH$ ({ZarjU), Ho$ÝÐr` H$m`m©b`, _w§~B© lr _mobar nr.Ho$.
lr Jwám _wHo$e Hw$_ma H$m`©H$mar {ZXoeH$ ({Zdoe/n[aMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©.
A{V[aº$ H$m`©H$mar {ZXoeH$ (H$m{_©H$), Ho$ÝÐr` H$m`m©b`, _w§~B© lr Hw$_ma amHo$e
lr amO Hw$_ma H$m`©H$mar {ZXoeH$ (~¡.Eí`w./d¡H$pënH$ àUmbr), Ho$ÝÐr` H$m`m©b`, _w§~B©.
à_wI H$m`©H$mar (EE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B© lr Zmà amOrdZ Ho$.
lr e{e Hw$_ma EM.Eg. H$m`©H$mar {ZXoeH$ (_w.Or.dr.g.), Ho$ÝÐr` H$m`m©b`, _w§~B©
joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, ^monmb gwlr O¡Z aoUw
lr Wm_moXaZ Ama {ZXoeH$, joÌr` à{ejU Ho$ÝÐ, O_eoXnwa
joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, MoÝZB© lr_Vr O`lr E.Eg.
gwlr ghXod {H$aU H$m`©H$mar {ZXoeH$ (g§nH©$), Ho$ÝÐr` H$m`m©b`, {X„r.
H$m`©H$mar {ZXoeH$ (_mg§{d/{g{d/{Z`mo), Ho$ÝÐr` H$m`m©b`, _w§~B©. lr [gÝhm EZ². nr
lr Mm¡Yar a{d joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, H mZnwa
H$m`©H$mar {ZXoeH$ ({Z.`mo./Z.à.), Ho$ÝÐr` H$m`m©b`, _w§~B©. lr _opÝXaÎmm Q>r.Ama.
lr ZëbmHw$Å>mbåm Eg. H$m`©H$mar {ZXoeH$ (gyú_ ~r_m), Ho$ÝÐr` H$m`m©b`, _w§~B©
àmMm`©, joÌr` à{ejU Ho$ÝÐ, MoÞB©. lr d_m© E_.E_.Eb.
_hmg{Md (B©.gr.Amo.AmB©), Ho$ÝÐr` H$m`m©b`, _w§~B©
69
lr _mohÝVr Eg. lr_Vr M§Ðm {Zê$n_m

H$m`©H$mar {ZXoeH$ ({dYr), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ (H$m.go), joÌr` H$m`m©b`, {Xëëmr.
lr_Vr AmB©n {_Zr lr {_lm nr.Ho$.
H$m`©H$mar {ZXoeH$ (Am§Vaamï´>r` àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©. _w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, H$mobH$mVm.
lr_Vr gw~«_[U`Z aoZwH$m lr_Vr MH«$~{V© A{n©Vm Eg.
{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, nwZo-AmHy$S>u àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, H$mobH$mVm.
lr _{gb Oo`m _mohZ nr. lr Hw$_ma àdrU
H$m`©H$mar {ZXoeH$ ({Zdoe : _m°{Z/AH$m¢Q²>g), Ho$ÝÐr` H$m`m©b`, _w§~B© _hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr Jwám A{Zb lr _moH$mer Eg.EZ.
H$m`©H$mar {ZXoeH$ (àË`j {dnUZ), Ho$ÝÐr` H$m`m©b`, _w§~B© àmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, _w§~B©.
lr nQ>ZmB©H$ ~r.gr. lr_Vr nZdma àr{V
{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, AmJam à_wI H$m`©H$mar (n|eZ \§$S>), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr Hw$_ma AZwn lr _wIOu E.
{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, JwS>Jm§d {ZXoeH$ (^m.~r.g§ñWmZ), Ho$ÝÐr` H$m`m©b`, _w§~B© (~r_m EHo$S>_r).
lr Omoer S>r.EZ. lr d_m© g§O`
H$m`©H$mar {ZXoeH$ (~moS©> g{Mdmb`./Or.Oo.E\$.), Ho$ÝÐr` H$m`m©b`, Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, JwS>Jm§d
_w§~B©. gwlr goR BZm >
lr aoÈ>r Ho$.Eg. àmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go), joÌr` H$m`m©b`, ^monmb.
{ZXoeH$, joÌr` à{ejU Ho$ÝÐ, ^monmb. lr Xmg H$éZm H¢ Qmo
lr H${XaogZ Ho$. à_wI ({ZarjU), Ho$ÝÐr` H$m`m©b`, _w§~B©.
H$m`©H$mar {ZXoeH$ (n|eZ Ed§ g_yh `moOZm), Ho$ÝÐr` H$m`m©b`, _w§~B©. lr_Vr {dZmoXmHw$_mar nr.
lr ^JV {XZoe Ho$. joÌr` à~§YH$ (à^mar) (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, h¡Xam~mX.
joÌr` à~§YH$ (à^mar), joÌr` H$m`m©b`, H$mobH$mVm. lr ~ohoam Eg.
lr Hw$_ma _hoÝÐ à_wI (Eg.~r.E.) Ho$ÝÐr` H$m`m©b`, _w§~B©
H$m`©H$mar {ZXoeH$ (AmB©.Q>r./~rnrAma), Ho$ÝÐr` H$m`m©b`, _w§~B© lr Bbm§Jmo Eg.
lr gŠgoZm dr.Ho$. _w»` A{^`§Vm, joÌr` à{ejU Ho$ÝÐ, MoÞB©.
_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, {Xëëmr. lr goZ Á`moVrHw$_ma
lr Xmg Eg.Ho$. Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, MoÞB©.
à_wI ({Zdoe/Omo.à.AZwg§YmZ), Ho$ÝÐr` H$m`m©b`, _w§~B©. lr nm°b S>r.Eg.
lr Hw$_ma A{Zb Oo. _w»` A{^`§Vm (A{^`m§{ÌH$s), Ho$ÝÐr` H$m`m©b`, _w§~B©.
àmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.) joÌr` H$m`m©b`, MoÞB©. lr_Vr JJ© g[aVm
lr CnmÜ`m` amOw à_wI (AmB©.Q>r./~rnrAma), Ho$ÝÐr` H$m`m©b`, _w§~B©.
_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, MoÞB©. lr_Vr Ioa nr.
lr g§J_ nr Ho$ à_wI (H$.g¨), Ho$ÝÐr` H$m`m©b`, _w§~B©
_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, _w§~B© lr ZmS>H$Uu Eg.Eg.
gwlr H$m¡b ZdrZ à_wI (H$m.go.), Ho$ÝÐr` H$m`m©b`, _w§~B©
à_wI (Ama.Q>r.AmB©./gr.nr.AmB©.Amo), Ho$ÝÐr` H$m`m©b`, _w§~B©. lr am°` nr.~r.
lr M§X àH$me àmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, H$mobH$mVm
joÌr` à~§YH$ (à^mar) (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, {X„r. lr AmZ§X E.Ho$.
lr ñd{J©Aar E. à_wI ({Zdoe/àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©.
àmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, _w§~B© lr d|H$Qo>ñdaZ Eg.
àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, h¡Xam~mX.
70
70
lr Z§Xm EM. lr qgh a{VH$m§Vm

à_wI (AmB©Q>r/EgS>rgr), Ho$ÝÐr` H$m`m©b`, _w§~B©. Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, H$mobH$mVm
lr AOrV Hw$_ma Eb. lr_Vr nX_mdVr dm`. dr.
à_wI ({Zdoe/_m°{Z.), Ho$ÝÐr` H$m`m©b`, _w§~B©. _hmà~§YH$ (EE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr Ioa Eg.nr. lr XmgJwám nr.
à_wI ({Zdoe/_m°{Z.), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, _w§~B©
lr añVmoJr g§O` lr lrdmñVd E.
àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, {X„r. àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, ^monmb.
lr _wabrYaZ nr. lr à^mH$a amd EZ.
àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, H$mobH$mVm
lr_Vr Kmof nmoånm lr gw_Z Ama. Ho$.
àmXo{eH$ à~§YH$ (g§nXm), joÌr` H$m`m©b`, {X„r. _w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, nQ>Zm
lr ~mbmJmonmb dr. lr qgh ~bd§V
g§H$m` gXñ`, amï´>r` ~r_m EHo$S>_r, nwZo. Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, ^monmb.
lr_Vr d_m© {dYy lr _{„¸$ àdV Hw$_ma
àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, _w§~B© _w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, H$mZnya
lr {_lm ~r. Eg. lr {_Îmb EZ. Ho$.
àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, ^monmb. à_wI ({dÎm Ed§ boIm), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr Jwám amOrd lr Xr{jV g§O`
à_wI (AmB©Q>r/EgS>rgr), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ (EME\$Eb.), àmXo{eH$ H$m`m©b`, nQ>Zm.
lr nmbZrñdm_r Ama. lr g_ob nr.
àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, MoÞB©. _hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr Hw$arb {dZmoX lr bm{har E.
g§H$m` gXñ`, joÌr` à{ejU Ho$ÝÐ, AmJam àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, nQ>Zm.
lr amOma_U Ama. Oo. lr J«moda E.
àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, ^monmb. _hmà~§YH$ (EMEE_gr), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr A{OμOwÔrZ E_. S>r. lr R>mHw$a Eg. Ho$.
àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, ~|Jmbwé. à~§Y {ZXoeH$ Ed§ à_wI H$m`©H$mar A{YH$mar, ~harZ.
lr ZmJoe Eg. lr Xw~o Ama. Ho$.
à_wI (à^mar) (hoëW ~r_m), Ho$ÝÐr` H$m`m©b`, h¡Xam~mX. à_wI (J«mhH$ g§~§Y à~§YZ/`w{bn), Ho$ÝÐr` H$m`m©b`, _w§~B©.
lr qgh `moJ|Ð lr qgh Ama. nr.
àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§), joÌr` H$m`m©b`, H$mZnya à_wI (n|eZ Ed§ g_yh `moOZm), Ho$ÝÐr` H$m`m©b`, _w§~B©.
lr_Vr am_m amd gm{dÌr lr Jwám Ama. nr.
àmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, h¡Xam~mX. àmXo{eH$ à~§YH$ ({dnUZ) joÌr` H$m`m©b`, nQ>Zm.
lr_Vr gmo_U Eg. Eg. lr goZ Oo.
à_wI ({dÎm Ed§ boIm), Ho$ÝÐr` H$m`m©b`, _w§~B© à~§Y {ZXoeH$ Ed§ à_wI H$m`©H$mar A{YH$mar, lrb§H$m
lr _rUm Ho$. Ama. lr nm°b Eg.
àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§.), joÌr` H$m`m©b`, {X„r. àmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, ^monmb.
lr ZmJmamOm amd nr. dr. Eg. lr em_gw§Xa Eb. Ho$.
àmMm`©, joÌr` à{ejU Ho$ÝÐ, h¡Xam~mX. g§H$m` gXñ`, amï´>r` ~r_m EHo$S>_r, nwZo.
lr CÝhobH$a ~r. Ho$.
lr e_m© Eo. Ho$.
_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B©
àmXo{eH$ à~§YH$ ({dnUZ), joÌr` H$m`m©b`, H$mobH$mVm
lr {ÛdoXr nr.
lr O¡Z Eg. E_.
_hmà~§YH$ (n|eZ \§$S>), Ho$ÝÐr` H$m`m©b`, _w§~B©
à_wI ({dÎm Ed§ boIm), Ho$ÝÐr` H$m`m©b`, _w§~B©
71
gwlr Jm¡~m habrZ lr_Vr Ooå_m ~oabr

àmXo{eH$ à~§YH$ (H$m. Ed§ Am¡.g§/H$m.go.), joÌr` H$m`m©b`, H$mobH$mVm àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, _w§~B©
lr Ho$å_y E_. Ho.$ lr H$m¡b g{Ve
àmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, H$mobH$mVm àmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, H$mZnwa
lr Aa§Yam VnZ lr_Vr nwéfmoÎm_ A§Oy
àmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, {X„r. àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, h¡Xam~mX
lr Jm¡S {dñdZmWm> dmB© lr ~mgy Q>r.
àmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, h¡Xam~mX. à_wI (n|eZ \§$S>), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr dZda Or. Eg. lr Hw$_ma XrnH$
à_wI (H$m{_©H$), Ho$ÝÐr` H$m`m©b`, _w§~B© _hmà~§YH$, ~harZ.
lr Hw$_ma H$_b lr KB© AídZr
àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, nQ>Zm. àmXo{eH$ à~§YH$ ({dnUZ) joÌr` H$m`m©b`, H$mZnwa
lr qgh Ognmb lr ZdZr CX`Hw$_ma
_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B© àmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, MoÞB©
lr ~oham ~r. lr nmÊSo>` V~boe
Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, O_eoXnwa à_wI ~r_m§H$Z (~r_m§H$Z/EgrOrgr), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr àYmZ ~r. lr Zm`H$ Eg.
àmXo{eH$ à~§YH$ (J«mhH$ g§~§Y à~§YZ), joÌr` H$m`m©b`, H$mZnwa Amo. Eg. S>r.(AmB©.Ama.S>r.E.AmB©), h¡Xam~mX
lr _hmnmÌm Ama. lr e_m© Eg. dr.
g§H$m` gXñ`, joÌr` à{ejU Ho$ÝÐ, H$mobH$mVm Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, h¡Xam~mX
lr H$ÞZ E_. lr MVwd}Xr E_. gr.
Cn. àmMm`©, joÌr` à{ejU Ho$ÝÐ, nwZo-AmHy$S>u àmXo{eH$ à~§YH$ (n|eZ Ed§ g_yh `moOZm), joÌr` H$m`m©b`, nQ>Zm
lr Hw§$Sw> Aê$n lr MH«$nmUr Oo.
_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, ^monmb àmXo{eH$ à~§YH$ ({dnUZ) joÌr` H$m`m©b`, MoÞB©
lr R>mHw$a Eg. lr Pm dr.
_w»` A{^`§Vm (A{^`m§{ÌH$s), joÌr` H$m`m©b`, h¡Xam~mX. àmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, ~|Jmbwé.
lr_Vr a§JmamOZ EZ. lr am_mH¥$îUZ Q>r. Eg.
à_wI (J«mhH$ g§~§Y à~§YZ), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ (EME\$Eb), àmXo{eH$ H$m`m©b`, _w§~B©
lr_Vr e§H$a {MÌm gwlr àgmX _brH$m
à_wI (Zd ì`dgm` Ed§ nwZ~u_m), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ (g§nXm Ed§ H$m.go.), joÌr` H$m`m©b`, nQ>Zm
lr Pm Ho$. Ho$. lr OJÞmW E_.
à_wI ({dYr), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ ({dnUZ) joÌr` H$m`m©b`, h¡Xam~mX
lr {_lm nr. Ama. lr_Vr amd C_m
à_wI ({Zdoe/àMmbZ), Ho$ÝÐr` H$m`m©b`, _w§~B©. àmXo{eH$ à~§YH$ ( H$m.go.), joÌr` H$m`m©b`, _w§~B©
lr ~maXmobmoB© {XnH$ Hw$_ma lr_Vr Xw½Jb E.
_hmà~§YH$ (EME\$Eb), Ho$ÝÐr` H$m`m©b`, _w§~B© g§H$m` gXñ`, joÌr` à{ejU Ho$ÝÐ, JwS>Jm§d
lr ZmamÙ Eg. lr _rUm Eb. gr.
à_wI ({Zdoe/EgrOrgr), Ho$ÝÐr` H$m`m©b`, _w§~B©. à_wI (Ho$Aa), Ho$ÝÐr` H$m`m©b`, _w§~B©
lr Hy$_a {ZHo$e
lr Hw$_maogZ nr.
g§H$m` gXñ`, amï´>r` ~r_m EHo$S>_r, nwZo.
à_wI ({dnUZ), Ho$ÝÐr` H$m`m©b`, _w§~B©
Þeer Heble efovesMe

ÖecegKe SJeb efve³egkeÌle yeerceekebÀve
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jo{Ì` gbmhH$ma ~moS©> Ho$ gXñ` (31.03.2019 H$mo)

Ho$ÝÐr` loÌ CÎmar joÌ
lr E_ Ama Hw$_ma, AÜ`j lr E_ Ama Hw$_ma, AÜ`j
lr Eg Ho$ {Vdmar gwlr _§OrV H$m¡a ~§gb
lr g§Xrn _wIOu gwlr amO amZr
B©Ama _Zr am_ {Zambm S>m° Zm{μOa Ah_X {JbH$a
lr {~«Ooe Jmo`b lr amOrd Imogbm
gwlr d¡embr _hoídar lr {OV|Xa {gaHo$¸$
S>m° O`§Vrbmb ^§S>mar S>m° aOZre gŠgoZm
lr {h_m§ew Iao lr dm` nr e_m©
S>m° g§Ü`m d_m© S>m° Za{g§K {~ÞmZr
lr gwYra O¡Z lr amOoe H$Ë`mb
lr H$_boe Hw$_ma AJ«dmb lr gwZrb XÎm ì`mg
lr EM Eg e{eHw$_ma, joÌr` à~§YH$ (nXoZ gXñ`) [aº$, joÌr` à~§YH$ (nXoZ gXñ`)
nydu joÌ X{jU _Ü` joÌ
lr g§Xrn \$mo½bm lr EM Eg qbJoe
S>m° _mBZH$ _wIOu S>m° Eg E_ IoZoS>
gwlr amIr _wIOu lr Eg AZ§Wm
gwlr __Vm Aamoam gwlr Cfm à^m Zm`H$
lr g§Vmof Hw$_ma {~ñdmg lr Ho$ {gdmam_m Hw$_ma
lr nmW©gmaWr Mm¡Ywar lr Eg {W`mJamOZ
lr {dH$me VwdmZr lr Ama amOmJmonmbZ
S>m° ha_mohZ Xmg lr S>r Ama àgmXm amOw
lr B§Ðoñda XoH$m S>m° S>r aKwam_Z
S>m° g§H$a àgmX ^Å>mMm`© lr Ho$ Or Oàm_
lr {XZoe Ho$ ^JV, joÌr` à~§YH$ (nXoZ gXñ`) [aº$, joÌr` à~§YH$ (nXoZ gXñ`)
nyd© _Ü` joÌ X{jU joÌ
S>m° XrnH$ qH$S>mo lr {Xbrn ZmamÙZ
gwlr _ram Xw~o lr Ho$ d|H >Q Mb_
àmo\$ (S>m°) gwaoÝÐ ZmW ~oham gwlr emo^m Aæà
lr Jm¡ar nrS>r nwa~o gwlr nw{ZWm JUogZ
lr BpåV`mμO Ah_X àmo\$ Ho$ gw~«_mo{Z`_
lr am_m ZmamÙ _moh§Vr lr E Ho$ ZmamÙ
lr ~«÷m {~hmar nm§S>m lr Ho$ bú_Um Hw$_ma
S>m° àdrU M§Ðm lr Ooåg nm°b dbßnrbm
S>m° AO` Hw$_ma qgh lr Odmarbmb O¡Z
lr AaqdX Hw$_ma é§JVm S>m° O`Hw$_mar B©gH$
lr gr {dH$mg amd, joÌr` à~§YH$ (nXoZ gXñ`) lr Wm_moXaZ Ama, joÌr` à~§YH$ (nXoZ gXñ`)
CÎma _Ü` joÌ npíM_r joÌ
lr {ZVoe Hw$_ma Jwám àmo\$ {eagmQ> ~r gy`m©^mZ
S>m° gm{Ka Ah_X lr ^maV ~r nQo>b
lr öX`m ZaVZ nmÊSo>` lr {hVoe ^mbMÝÐ amdb
S>m° nw{U©_m A{Zb S>m° amoeZHw$_ma E_ {^Jm{Z`m
S>m° Eg EZ C{Z`mb àmo\$ {Jare {^_mZr
S>m° BÝÐmoZrV ~ZoOu S>m° (gwlr) {H$Vu nr Hw$bH$Uu
S>m° AmewVmof Hw$_ma Xr{jV lr AmZ§Xm dr g§H$nmb
lr ^yn|Ð qgh n§JVo lr {~{nZ^mB© E_ emh
gwlr gw{ZVm {Vhmar S>m° {dídmg ~r Jm§JwS}>
lr n§H$O añVmoJr gwlr {MÌm nr jragmJa
lr EZ nr {gÝhm, joÌr` à~§YH$ (nXoZ gXñ`) lr {d{nZ AmZ§X, joÌr` à~§YH$ (nXoZ gXñ`)
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df© 2018-2019 Ho$ X¡mamZ nm{bgr YmaH$m| Ho$ n[afX Ho$ gXñ`
_Ü` loÌ gVZm _ÊS>b hmdSm _ÊS>b H mobH mVm CnZJa _ÊS>b
^monmb _ÊS>b lr Ama Ho$ qgh, d._§.à. lr Sr Ho _m|S b, d._§.à. lr Jm¡a~ Mm§X, d._§.à.
lr Eg Eg MnbmoV>, d._§.à. lr AZ§V Hw$_ma gmoZr lr a~rÝÐZmW {_ñÌr S>m° (gwlr) A{ZVm {~ñdmg
S>m°. g§Ord Omohar gwlr gbmo_o Mm¡{\$Z gwlr e{_©bm AJadmb lr ZmamÙ M§Ð gmhm
lr Am{XË` amO _moXr lr àXrn Vm_aH$a lr àdrU ~moWam lr O`§Vm _wImonÜ`m`
lr amOoÝÐ àgmX {ÌnmR>r lr Eg Eb àOmnVr S>m° A{Z~©Z XÎmm S>m° gwlwVm ~§ÚmoÜ`m`
gwlr _oKm AJadmb gwlr aMZm lrdmñVd lr nmW© Xmg S>m° gw^mf am°`
lr hf©dY©Z JO{^ò ehS>mob _ÊS>b ObnmBJwS r _ÊS>b {gbMa _ÊS>b
{~bmgnwa _ÊS>b lr AmewVmof {_lm, d._§.à. lr {g~m àgmX nQZmBH, lr Qr Ho bmH am, d._§.à.
lr Hw§$Vb Hw$_ma, d._§.à. lr aOZre H$Vmao d._§.à. lr ^mñH a goZJwßVm
lr ndZ Hw$_ma AJ«dmb lr C_oe Hw$_ma Jwám lr àmog§{OV {_Ìm gwlr E{bOm~oW qgJgZ
gwlr C_m amd lr {Xnoe {Vdmar gwlr {à`m VmonZm| lr {~ñdm{OV nm°b
S>m° amOrd joÌnmb lr C_me§H$a H$mob lr gw~«Vm nm°b lr ndZ M§Ð Xo~
lr {H$emoa Hw$_ma nQo>b gwlr _oKm ndma S>m° í`m_b gmhm lr nyUoªXy ^ÅmMmOu
gwlr bú_rUZ Q>m|So>` lr Á`mo{V©_m°` Pm_nQ nydu _Ü` loÌ
½dm{bà _ÊS>b nydu loÌ OmoahmQ _ÊS>b ~oJygam` _ÊS>b
lr Or Ho$ OoZm, d._§.à. AmgZgmob _ÊS>b lr EZ ^w{V`m, d._§.à. lr Aj` Hw$_ma gmhÿ, d._§.à.
lr AO` Hw$_ma AñWmZm lr AmewVmof Hw _ma, d._§.à. gwlr {~UmnmZr Jmoñdm_r lr {ed àH$me ^maìXmO
lr A{Zb Hw$_ma _h§Xobo gwlr ~ZmZr VmbwH Xma lr gmo_oñda ~Wu S>m° _wamar _§S>b
gwlr er~r añVmoJr lr _wabr _mohZ h§gXm lr Z{~Z M§Ð XÎmm lr {~H«$_ Hw$_ma
lr hare emŠ` lr g_ra Hm§Q mo XÎmm lr {~{nZ Smobm lr AéU Hw$_ma {_lm
lr Z{dZ VZoOm lr _¥Ë`§wOmo` am°` lr àUmo~ ^mabr gwlr {Oßgr Hw$_mar
lr gwOrV Kmof
B§Xm¡a _ÊS>b I‹S Jnwa _ÊS>b ~ahm_nwa _ÊS>b
lr Eg ~r {_lm, d._§.à. ~Y©_mZ _ÊS>b lr XodH m§Vm nmYr, d._§.à. lr Eg nr nm[aN>m, d._§.à.
gwlr Á`mo{V {Vdmar lr nr Ho _moh§Vr, d._§.à. gwlr ~aZmbr Kmof lr {~aOm àgmX nÌm
lr B©ída e_m© lr ~bam_ gmhm lr VrW© g§H a h§gXm lr _ZmoO Hw$_ma AJ«dmb
lr _Zrf Hw$_ma gm§Ibm gwlr Zohm AJ«dmb lr nmW© à{V_ ~gH lr gw~me M§Ð nmbmo
S>m° amO|Ð H$mbo lr àXrn EoM gwlr Vm{Z`m _wImonÜ`m` gwlr Q>r {Ma§Ordr
lr Y_©amO Oadmb S>m° gygÝVm Hw _ma Xmg lr gwaOrV XÎmm lr AH«y$am ~ohoam
lr AemoH Hw _ma _m|S b
O~bnwa _ÊS>b H mobH mVm _oQ—mo _ÊS>b I ^mJbnwa _ÊS>b
lr AemoH$ Hw$_ma, d._§.à. ~m|JB©Jm§d _ÊS>b lr Qr ~°ZOu, d._§.à. lr Eg Eg Ah_X, d._§.à.
gwlr àr{V BaZo W§JXwamB© lr {~O` Hw _ma nm§S m, d._§.à. gwlr Á`moVr ~Obm lr H$m_amZ ImZ
S>m° VZ_mo` {gaH$a lr H mZy bmb Xmg lr Hm¡{eH {_Ìm lr {XZoe nmgdmZ
lr gm¡a^ O¡Z lr AãXwb H ar_ gwlr gwf_m ~éAm gwlr amZr Hw$_mar
lr Am{XË` ZmamÙ e_m© lr g_ra Hw _ma gaH ma lr A~«ma Ah_X lr AaqdX Pm
lr VrW© qgh _madr lr_Vr {_ZVr Jmoñdm_r Mm¡Ywar lr O`§Vm ^ÅmMmOr lr H$_b Hw$_ma {gÝhm
lr AãXwb _ÞZ
am`nwa _ÊS>b H mobH mVm _oQ—mo _ÊS>b I I ^wdZoída _ÊS>b
lr àH$me {gÝhm, d._§.à. JmodmhmQr _ÊS>b lr Eb nr Xmg, d._§.à.
lr EZ ~mog, d._§.à.
lr _Zrf amO qgKm{Z`m lr E_ Ama gmhy, d._§.à. lr {~aoÝÐ em° lr Aj` Hw$_ma àYmZ
lr gwaoe Jm§Yr lr n§H O ga_m gwlr gw{_Vm Xmg Kmof lr {OV|Ð Hw$_ma {_lm
lr A{_V Mm¡a{g`m gwlr MÝXZm Xmg lr ^mñH a Mm¡Yar lr àem§Vm Hw$_ma nQ>Zm`H$
S>m° (gwlr) _oKm ^mJdV lr Amerf M¡Q Ou S>m° CÁÁdb _wIOu gwlr gm¡^m{JZr Zm`H$
gwlr B©ñWa Q>r½Jm lr amHo e XwYm{a`m lr àgÝVm _wIOu gwlr g§OwbVm hmo
lr _Zr H Nmar
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H$Q>H$ _ÊS>b g§~bnwa _ÊS>b O`nwa _ÊS>b- I I {X„r _ÊS>b- I I

lr E Ho$ am¡Ì`, d._§.à. lr E_ Ho$ nm§S>m, d._§.à. lr Ama S>r Xm{Z`m, d._§.à. lr Eg E_ {_lm, d._§.à.
gwlr O`lr goR>r lr {X~mH$a nmoYm lr ~g§V ~hma lr AmewVmof {_Îmb
lr {Jare n[aOm S>m° Za|Ð Hw$_ma ~ohoam S>m° jrUw O¡Z gwlr ZraOm am°` Mm¡Yar
lr g§O` nmÌm S>m° g§Or~ Hw$_ma ~ohoam lr _hoe qgKb lr AéU Jwám
lr g_a qgh S>m° gwMoVm amZr _mohnÌm lr àdrU Hw$_ma Jwám lr ho_ M§X d{eð>
lr Zm¡emX hμOmar lr S>mobm_Zr H$m§Yoa lr ^JdmZ ghm` H§$WmZ S>m° amOoe Ho$ a§OZ
CÎmar loÌ Omb§Ya _ÊS>b {X„r _ÊS>b- I I I
hOmar ~mJ _ÊS>b
AO_oa _ÊS>b
lr Eg Ho$ g_m§Vao, d._§.à. lr Or bmb, d._§.à. lr EZ Mm¡Yar, d._§.à.
lr ~r Ho$ qgh, d._§.à.
lr gmo_ZmW n¥R>r lr AZwamJ bmoB©dmb S>m° AO` garZ lr MÝÐ ^mZy {_lm
gwlr __Vm Hw$_mar Jwám lr g§Ord Jwám lr AdZrn Xodam gwlr _mbm JJ©
S>m° gOb _wIOu S>m° _wHo$e n§Om~r S>m° XoqdXa H$m¡a lr OJV Hw$_ma
lr gwOmo` gm_§Vm lr ^§da bmb lr amOoe IÞm S>m° (gwlr) gw{_Vm am`
gwlr {g_m JmoaoVr {Q>H$s© gwlr _Yw H$moR>mar lr àrVnmb qgh lr gVrÝXa nmb nZdma
O_eoXnwa _ÊS>b A_¥Vga _ÊS>b OmoYnwa _ÊS>b amohVH$ _ÊS>b
lr E_ E_ A§gmar, d._§.à. lr h{dªXa qgh, d._§.à. lr dr Ho$ Ya, d._§.à. lr Eg OwëH$m, d._§.à.
gwlr {g_m em§{V {Q>H$s© lr Jm¡V_ nwar lr amO|Ð {_lm lr {dH«$_ à^mH$a
S>m° é_m M¡Q>Ou lr _ZmoO Hw$_ma garZ lr amHo$e ^§S>mar lr Zaoe ^maÛmO
lr {\$amoO ImZ lr Ogd§V qgh lr _wHw$b _hoídar lr E_ Eb J«moda
lr lmdU Hw$_ma AmoPm S>m° [aVy ^Å>r gwlr Amem e_m© gwlr aoUy e_m©
lr O`§V Hw$_ma _moh§Vr lr {Xìòe _hmOZ lr H$Ýho`m bmb Mm¡hmZ lr O` ^JdmZ gmob§H$s e_m©
_wOâ\$anwa _ÊS>b ~rH$mZoa _ÊS>b H$aZmb _ÊS>b {e_bm _ÊS>b
lr na_]Ð har, d._§.à. lr nr gr. {_lm, d._§.à. lr Oo Hw$_ma, d._§.à. lr E amμOXmZ, d._§.à.
lr JUd§V Hw$_ma _{„H$ S>m° (gwlr) O`m ZmJ lr g§Xrn Hw$_ma ^maVr lr gwZrb ZmJnmb
gwlr gwZrVm gamμ\$ lr Ogd§V qgh YtJam lr _ZmoO Jwám gwlr ~¥§Xwbm H$amob
lr gamoO Hw$_ma lr H$Ýh¡`m bmb gm|Jmam S>m° naemÝV _w§Ob lr Am{XË` H$ara
lr {dH$mg Hw$_ma lr Aj` Ë`mJr lr XrdmZ qgh
lr {dO` Hw$_ma Mm¡Yar
^mboardmbm lr h§g amO
gwlr _rUm Xodr gwlr dfm©
lr ~m~y bmb àOmnV
nQ>Zm _ÊS>b- I bw{Y`mZm _ÊS>b lrZJa _ÊS>b
M§S>rJ‹T> _ÊS>b lr Ho$ qgh, d._§.à.
lr Eg Jwám, d._§.à. lr aOV _wIOu, d._§.à. lr Eb gr {nnrb, d._§.à.
gwlr gw{_Vm O¡gdmb gwlr haXrn H$m¡a lr Jmonmb H¥ îU _hmOZ
lr Jm¡V_ O¡Z gwlr {\$aXm¡g ImZ
gwlr g{dVm qgh gwlr _rZm bIZnmb lr d§XZ Jmo`b
lr ZraO Hw$_ma nßny lr amHo$e e_m© lr {Z{VZ A½Œmdmb
S>m° Jw§OZ _ohVm
lr M§Xa _mohZ lr ZO_w gmH$s~
gwlr AOam ao{μH$~ lr _Z_mohZ qgh
lr g§Ord ^m{Q>`m lr _mb{H$V qgh lr OmoqJXa nm°b
lr A{Zb Hw$_ma
O`nwa _ÊS>b- I CX`nwa _ÊS>b
nQ>Zm _ÊS>b- I I {X„r _ÊS>b-I
lr Eg Ama _rUm, d._§.à. lr g§O` ^mJ©d, d._§.à.
lr nr`yf, d._§.à. lr Or nr _rUm, d._§.à.
lr A{_V AJ«dmb S>m° (gwlr) A§Mb n§S>`m
lr gwZrb Hw$_ma pìXdoXr lr Ama Ho$ {_lm
S>m° am_ bmb nyZr`m lr dm{hX Zya Hw$aoer
lr {XZoe Hw$_ma Xod lr {XZoe àgmX H$moR>mar
S>m° (gwlr) _Zrfm nQ>Zr lr amOrd _w{X©`m
lr A{_V Hw$_ma Pm n§{S>V {dídZmW
lr AemoH$ O¡Z lr JO|Ð àH$me gw`b
gwlr nyZ_ Hw$_mar S>m° ~«O dra qgh
lr har am_ gmoJU lr amHo$e Pm§da
gwlr gr_m nm§So> gwlr gËZm_ aÎmr H$nya
75
CÎma _Ü` loÌ JmoaInwa _ÊS>b X{jUr loÌ _XwaB© _ÊS>b

AmJam _ÊS>b lr S>r E_ {_Vb, d._§.à. MoÞB© _ÊS>b- I lr nr Or {ZH moëgZ, d._§.à.
lr A[a¨Ð{OV {gH$Xma, d._§.à. gwlr amYm M§Ym lr E. gygmB© _Ur¸$_, d._§.à. S>m°. Ama M§Ð_mohZ
gwlr grE Xr{nH$m {_Îmb lr _mohå_X EhgZ hþg¡Z S>m° E XodamO lr nr {dO`m Hw$_ma
lr _wHo$e Hw$_ma Jwám lr g§Xrn Hw$_ma O¡gdmb lr Ama {edmHw$_ma lr Ama {H$é~mH$aU
lr {H$eZ qgh na_ma lr am_ Xame àgmX gwlr `y AM©Zm lr nr H¨ Sdob
lr AéU Hw$_ma lr eer àH$me lrdmñVdm S>m° Ho$ Eg Jm¡are§H$a gwlr Ho H¥ îUdoUu
lr, _hoe M§X AJadmb gwlr Ama aOZr gwa|XaZmW
hëXdmZr _ÊS>b gbo_ _ÊS>b
AbrJ‹T> _ÊS>b lr EZ Eg amdV, d._§.à. MoÞB© _ÊS>b-II lr Eb M|XyaZmWZ, d._§.à.
lr AéU nmb, d._§.à. gwlr JrVm ~mbw{Q>`m lr E_ Ho$ H$éßnB©`mh, d._§.à. lr dr eofmÐr
lr {dîUw X`mb gŠgoZm lr {H$emoa Hw$_ma O§Jnm§Jr lr ^dYm[aUr AZ§Va_Z gwlr Ho$ H${dVm
S>m° ZrVm lr A§ewb JJ© gwlr _mohZm Q>r lr E_ _wéJogZ
S>m°. {daoÝÐ Hw$_ma lr M§Ð àH$me `mXd S>m° Eg amO H Þm lr Ho$ a{d
lr aUdra qgh H$í`n lr Ho gr. JwéamUr lr amOeoIa Ho$ lr nr _JoeHw$_ma
lr M§Ðoe Hw$_ma JJ© gwlr E_ e{º$ {à`m
H$mZwna _ÊS>b V§Omdya _ÊS>b
Bbmhm~mX _ÊS>b lr {dZmoX C{Z`mb, d._§.à. H$mo`§~Qy>a _ÊS>b lr E Eg gw§Xa amO, d._§.à.
lr {ddoH$ e_m©, d._§.à. lr à_moX gŠgoZm lr μ\$Obyb E ah_mZ, d._§.à. gwlr EZ amOamOoñdar
lr {h_m§ew nm¨So> S>m° _mo{ZH$m ewŠbm S>m° dr {W`mJamOZ lr EZ Ama ZXamOZ
lr R>mHw$a AmμOmX qgh S>m° gwYra H$mÝV lr nr Ho$ gw~«_{ZZZ lr Ho$ {dgmhZ
gwlr arZm Ho$ear lr A§~arf Q§>S>Z lr E emZ_wJ_ gwlr E _rZmjr
lr _XZ bmb lr {d_b Hw$_ma ewŠbm S>m° Eb O`§Vr S>m° Ho$ A§~wO_
S>m° [aVoe IÞm lr EZ EZ nmagam_ {Vê$AZ§Vnwa_ _ÊS>b
bIZD$ _ÊS>b
~aobr _ÊS>b EZm©Hw$b_ _ÊS>b gwlr em§Wm dmaH$s, d._§.à.
lr amOdra qgh, d._§.à.
lr `§JOmoa, d._§.à. gwlr Am^m dmëQ>g© lr nr amYmH¥$îUZ, d._§.à. lr EbŠg Hw$[a`mH$mogo
lr gÖrd Hw$_ma gmoB© S>m° dra|Ð ~hmXwa qgh gwlr ~rZm ~rJmo_ dr Ho$ lr dr Eg ~oZo{S>ŠQ> AZwJ«hm
lr amOoe AJ«dmb S>m° AZyn AJ«dmb lr E dr Omogo S>m° arZm
S>m° gVre Hw$_ma S>m° (gwlr) gamoOm E Eg àmo\$ (S>m°) A~«mh_ Omog\$
lr dJug Hw$[a`Z
S>m° {ÌëmmoH Aamoam S>m° go~r daKrg lr {dídoídaZ Or
lr amOoe Hw$_ma
S>m° AZwOm {g§h lr àXrnHw$_ma EZ {W«gya _ÊS>b
_oaR> _ÊS>b
XohamXyZ _ÊS>b H$moÅ>m`_ _ÊS>b gwlr Xrnm grdXmgZ, d._§.à.
lr dr Ama ewŠbm, d._§.à. lr nr dr gwaoÝÐZ
lr nr Ho$ gŠgoZm, d._§.à. S>m° gw^mf qgh lr Eg lr{Zdmgm amd, d._§.à.
lr àmoÚmoV Hw$_ma qgKb àmo\$ OoH$~ Hw$[a`Z AmoZÎmy S>m° O`m Mo[a`Z
lr amOrd Hw$_ma lr gmWrgZ Q>r
lr bú_r Ho$ Jmo{‹S>`mb gwlr aoIm e_m© lr nr Ho$ {dZmoXHw$_ma
lr AO` IÅ>H$ lr _ZmoO Zmam`ZZ Ho$ Eg A°S> gr_m _oZZ
lr XrnH$ e_m© lr h[aXmg Ho$
lr Ama Ho$ ^maVr lr {OV|Ð _mohZ S>m° ^mZw AemoH$
gwlr gr_m amZr lr _Zw lrYaZ {Vê$Zoëdobr _ÊS>b
dmamUgr _ÊS>b lr Ho$ dg§V Hw$_ma, d._§.à.
\¡$Om~mX _ÊS>b H$mo{OH$moS> _ÊS>b
lr Eg Or nr {ÌnmR>r, d._§.à. lr E_ Jmonr
lr E_ AÌrfr, d._§.à. lr H¥$îUm _mohZ lrdmñVd ~{„`m lr dr Eg _Yw, d._§.à.
lr E O`qgh
S>m° g§O` {Vdmar lr _wñVmH$ Ah_X gwlr {à`m lrH$mÝV
S>m° Eg amOZ
lr am_ nëQ>Z S>m° H§$MZ qgh lr nm°b dJug
S>m° (gwlr) Eg _mJ«oQ> a§OrW_
S>m° Ama Ho$ {ÛdoXr lr gVre Hw$_ma qgh lr í`m_ gw§Xa
lr Eg {gdm gy`m© Zmam`ZZ
lr IweuX Ah_X S>m° XyY ZmW S>m° nr ~r g§VmofHw$_ma
gwlr EH$Vm {ÌnmR>r lr AéUHw$_ma Ho$
76
76
do„moa _ÊS>b H$‹S>nm _ÊS>b am`Mya _ÊS>b npíM_ loÌ

lr EZ am_mH¥$îUZ, d._§.à. lr S>r Ama Ho$ Ama E_ {gdmam_, lr Ho$ Ama dr àgmX, d._§.à. Ah_Xm~mX _ÊS>b
lr nr àg§W Hw$_ma d._§.à. S>m° ~gdmaO nwOa lr nr Ama Mm¡Yar d._§.à.
gwlr Ama _mbWr lr Or H$ZH$m amOy S>m° Ho$ aodZm{gÔßnm gwlr ê$μOZ Iå~mÎmm
gwlr Ama {dgmbjr gwlr _¡{Wbr ^yn{V gwlr emhrH$bm Ohm{JaXma lr g§Xrn _moXr
lr Ho$ H$éUm{ZWr lr _μH$m_ gwaoe ~m~y lr ~gdmaO Ama n„oS> lr Za|Ð gr Vw§{S>`m
S>m° E H${~bZ lr dr Eg AbVmμ\$ hþg¡Z S>m° _mohå_X _OrX A§gmar S>m° g§X^© nr nQo>b
X{jU _Ü` loÌ lr {dÅ>m gVre Hw$_ma S>m° O`§Vr ^maVr
{gH§$Xam~mX _ÊS>b
~|Jbmoa _ÊS>b- I H$ar_ZJa _ÊS>b lr àXrn eoZm°`, d._§.à. A_amdVr _ÊS>b
lr Amerg Hw$_ma, d._§.à. lr dm` d|H Qo>ñdby©, d._§.à. lr _§Mbm kmZ|Xa Jwám lr gÝ`mb Xodmo{OV, d._§.à.
S>m° dr AZwamYm nam_oe H¡$ßQ>Z S>m° ~r _YwgyXZ aoÈ>r lr S>moÈ>r AemoH$ A°S> gwf_m nr Omoer
lr B© ZJoÝÐßnm S>m° Ama H$ZH$mB`mh lr gr amO|Ð Hw$_ma S>m° g§{MVm {dO` ZmJabo
S>m° Eg gr e_m© lr ^wŠ`m gmBXybw lr Xm_moXa ÛmaH$màgmX I§So>bdmb
lr dyQw>Hy$ar aqdXa aoÈ>r
lr Q>r Eg {Jar gwlr E_² am_Xodr lr àH$me _wabrYaOr bmÔYm
S>m° AHy$bm e¡bOm
lr Or \«o Sr Mmëg© lr em§VZw eaXM§Ð Omoer
lr S>r {Za§OZm Mmar {e_moJm _ÊS>b
~|Jbmoa _ÊS>b- I I Am¡a§Jm~mX _ÊS>b
_gbrnÅ>Z_ _ÊS>b lr Or E am_H¥$îUm, d._§.à.
lr Oo OJXre, d._§.à. lr ~r Or {ed_yWu lr Hw$b^wfU e_m©, d._§.à.
lr Q>r E_ E_ O`qghZ, d._§.à.
lr Ama Ama AmMm`© gwlr (S>m°) g§Ü`mH$mdoar S>m° (gwlr) {h_Jm¡ar E emhnwaH$a
lr {Zå_bmnwS>r d|H$Q>m XwJm© amd
lr Ama AéUmMb_ lr C_oe eoÅ>r lr MÝÐeoIa nr eoZJm±dH$a
lr Eb dr dr EZ ^mZw {à`m
gwlr EbrμOm~oW Omog\$ lr {d{b`_ {S>gyOm S>m° amOm^mD$ AmZ§Xamd H$m§~bo
lr Ho$ a{d VoOm
lr Or dr _§OyZmWm lr E_ Or Ho$ _yVu S>m° ZrbH§$R> e§H$aamd nmQ>rb
S>m° nmobmB©`mh ~mo‚mm
lr amHo$e gwlr g§JrVm ZrbH§$R> OmYd
lr H$moWm har Hw$_ma C{‹S>nr _ÊS>b
~obJm°d _ÊS>b ^mdZJa _ÊS>b
_¡gya _ÊS>b lr nr {dídoída amD$, d._§.à.
lr nr nr Jm`Vm|So>, d._§.à. lr E Ho$ {_lm, d._§.à.
lr Ho$ AZ§Wm nÙZm^m, d._§.à. lr Eg nÙZm^m Ho$S>b`m
lr ~gdamO E_ H$mb~waJr lr g§Xrn E_ _ohVm
gwlr AZwn_m Ama lr Ho$ W>å_æ`m ZmB©H$
S>m° EM Eg _o{bZm_Zr lr ho_y^mB© Or Jo{S>`m
S>m° àXrn Hw$_ma ho~«r S>m° EM E drídoídam
gwlr {dZrVm nr Jo‚mr lr doaoe _ohVm
lr Ho$edm S>m|Jao lr Ho$ Ama Ho$edm
lr g§Ord Ama Xoenm§So lr am_Xodqgh Jmohrb
S>m° Ho$ E _mohZ gwlr _mYdr Eg ^ÊS>mar
lr am_ Ho _mZJmobr gwlr _mV§Jr nr nmÊS>çm
lr S>r Ho$ lr{Zdmgm {dgmImnÅ>Z_S _ÊS>b
Ymadm‹S> _ÊS>b Jm§YrZJa _ÊS>b
Zo„moa _ÊS>b lr nr a_oe ~m~y, d._§.à.
lr EM Ho$ a{d {H$aU, d._§.à. lr Ho$ Ama ~mbmgw~«_m{Z`Z,
lr Eg Ama OJZmW, d._§.à. lr H$mìdyar lr{Zdmgm aoÈ>r d._§.à.
S>m° _mohå_X BH$~mb E eoI lr Zm`Sy> g§Xrn aoÈ>r
S>m° Eg XodgoZm lr em_Or^mB© nr Jmoa
gwlr nmd©Vr a§Jmñdm_r lr Om_r a_oe Hw$_ma
lr dr ^m½`VoOm aoÈ>r lr OrVoZ S>r nQo>b
lr _ZwZmW ò`„ßnm J_§JÅ>r lr H$m|Jmamnw JUnVr
lr Or gZW Hw$_ma aoÈ>r S>m° {ddoH$ ^mdo
lr àH$me Eg CXrHo$ar gwlr H$[a_r AZwn_m
lr dr H¥$îUm gw^mZ S>m° (gwlr) Á`mo{V gmYy
lr Ho$ Eg nm{Q>b
gwlr ~r gwOmVm dma§Jb _ÊS>b lr H$a_Xodqgh dmKobm
h¡Xam~mX _ÊS>b
amOm_w§Ðr _ÊS>b lr B© E {deê$n, d._§.à. Jmodm _ÊS>b
lr Omog\$ CWwn, d._§.à. lr Q>r JmonrMÝX
lr VnZ Hw$_ma nÅ>ZmB©H$, d._§.à. lr amOoe {_‹T>m, d._§.à.
gwlr _§Oyfm Kmo{Q>H$a lr JXXo ZagmB`mh
lr O§J_ gwã~mamd lr Jm¡are _Zmoha Ym|S>
lr E_ gË`m aoÈ>r S>m° E_ A{ZWm
_mohå_X B{S´>g ImZ S>m° JmoqdX H$m_V
lr ~r Ymob`m lr ~r àgXm amd
lr _mZonmbr dr. ~r. Eg² gmB©~m~m lr JmoqdX amZSo>
gwlr e{eH$bm aoÈ>r gwlr E_ nÙmdWr
gwlr E J§Jm gy{Mpñ_Vm gwlr _§{Oar {_qbX ~ado
S>m° AH$~a AbVmμ\$
lr H§$~bm doZH$Qm gË`àH$me lr JmonmbXmg E AmaobH$a
77
H$moëhmnwa _ÊS>b _w§~B© _ÊS>b - IV Zm{eH$ _ÊS>b amOH$moQ> _ÊS>b

lr Eg KmoS Jm§dH$a, d._§.à. gwlr _rVm Iao, d._§.à. lr Q>r S>r JS>nmB©bo, d._§.à. lr Or nr A½Œmdmb, d._§.à.
gwlr `mo{JVm àgmX JwbdmZr S>m° {~_b E dgmZr
S>m° {Jare amD$V lr amO|Ð gr emh lr Za|Ð OoR>rXmZ {O~m
àmo AemoH$ H¥$îUm MmoH$¸$a lr gwZrV amdV lr gwZrb dr A_¥VH$a lr _Zrf {dZ`H$mÝV Xmoer
lr g§Vmof gXm{ed Vmgo lr {Z{VZ gwaoe ZoéaH$a lr gwaoe Oo O¡Z gwlr n„dr nr ì`mg
lr O`§V _YwH$a \$S>Ho$ S>m° (gwlr) dfm© XoJdoH$a S>m° _hmXod ~wdmOr H$m§~bo lr {ZabmoH$ na_ma
S>m° CX` {~ÝXwamd gm§JdmSo>H$a lr VoOg YZXo gwlr emo^m àgmX Jmogmdr gVmam _ÊS>b
lr E_ Oo JmoS>~mobo, d._§.à.
_w§~B© _ÊS>b - I Zm{S>`mX _ÊS>b nwUo _ÊS>b- I lr hZ_§V {dRw>~m S>mdao
lr nr. Ho$. _hmnmÌm, d._§.à. lr g§Xrn Hw$_ma, d._§.à. lr ~éU Hw$_ma ImZ, d._§.à. lr Zrboe lrH$m§V bmoH$ao
lr A{Zb dr {VbH$ lr ^m{dZ Eg Jm§Yr lr AemoH$ XÎmmÌ` JSm‹So> lr {dZmoX ~bd§V JmoS>~mobo
lr am_ {H$emoa XaH$ S>m° (gwlr) d¡O`§Vr dr qeSo>Jr
lr {~{nZ^mB© E_ emh gwlr JrVm {gdmHw$_ma lr namJ A{Zb H$Q>Xmao
gwlr gm{Z`m gwd} lr {OV|Ð Or A{_Z S>m° àem§V E MìhmU
lr eoI _μH$~yb hþg¡Z gyaV _ÊS>b
gwlr Xm{_Zr~oZ ~r Xdo lr H¡$bmg lr{Zdmg gmo_mZr lr eaX {ÌnmR>r, d._§.à.
lr nm§Sw>a§J AO~amd Adga_mob lr bmhþ H$Mmé Jm`H$dm‹S> S>m° (gwlr) AM©Zm nQo>b
lr gVreM§Ð AmB© lr_mbr
_w§~B© _ÊS>b - I I ZmJnwa _ÊS>b lr _Yw^mB© ImoXm^mB© ^moO
nwUo _ÊS>b- I I lr {O¾oe _YmdOr^mB© nQo>b
lr Eg a_oe gadUm, d._§.à. lr E_ gr Omoer, d._§.à. lr ZraO Jwám, d._§.à. lr naoe hrambmb nbmDdmbm
gwlr _w½Ym {_qbX amOmÜ`j lr adrÐ OmdbH$a S>m° _ohþb A{Zb nQo>b
S>m° amdgmho~ am_MÝÐ nmQ>rb
lr dra|Ð {ed qgh S>m° em§VZw nr OmoJ R>mUo _ÊS>b
S>m° (gwlr) Á`mo{V ^mH$ao
lr A{_V bmn{g`m lr g§O`Hw$_ma E_ JOKmVo lr Eg _ohVm, d._§.à.
S>m° {Jare EZ Hw§$_Ro>H$a
lr g§Vmof Aßnm n|T maH$a gwlr (ES>dmoH$Q>) Z§{XZr àdrU WoVo lr _ZmoO jragmJa
lr ndZ Hw$bH$Uu lr g_ra nr òany‹So>
gwlr _§{Oar _XZ ZmB©H$ lr {dZ` Q>r ~mahVo S>m° gwaoÝÐ ~|So> lr _H$a§X ^Q>
_w§~B© _ÊS>b- I I I Zm§XoS> _ÊS>b S>m° (gwlr) Amem ^moB©Vo
EgEgEg _ÊS>b, _w§~B©
S>m°(gwlr) VZyOm Ama Hw$_ma, lr _hËZ gwaoe ImZ
lr Oo Or bm_Vwao, d._§.à. lr E M¡Q>Ou, d._§.à.
d._§.à. dS>moXam _ÊS>b
S>m° (gwlr) Mméerbm E_ JwOa S>m° A§Obr E àYmZ
lr {~{nZ {_lm lr nr nr Ho$bH$a, d._§.à.
lr {Z{VZ H¡$bmqeJ naXoer lr amOrd H¥$îUm ñdm_r lr Z`Z Ama H$moR>mar
lr gwZrb H$X_
lr a_mH$m§V Eg Km|grH$a lr àW_oe EM bmS>Jo S>m° Zaqgh S>r na_ma
S>m° S>r àg§W Zmà gwlr {bgm Ym_r
lr Z§XHw$_ma Ym|S>ram_ H$m§~bo lr _§Joe XodYa
gwlr {dÚm {VbH$amO ~„mb lr {_Îmb E {K`m
lr nX_mH$a lrYaamd Om|Ybo lr d¡^d nr Omoer lr Am{e\$ AmB e¡I
lr hf©X _Zmoha _moao
78
78
HeefjefMeä -II
Je<e& 2018-19 kesÀ efueS efveiece kesÀ meebefJeefOekeÀ (kesÀvêer³e) uesKee Hejer#ekeÀ
HeÀce& keÀe veece Helee
yeer ieghlee Sb[ kebÀ ®eewLeer cebefpeue, megke=Àefle

F&Deej0001 Sme. heer. Jecee& ceeie&
heìvee- 800001, efyenej
S Sme S Sb[ SmeesefmeSìdme SueSueheer 81/1, leermejer cebefpeue

ef[F&1187 Deeqod®eveer, DeewjeseEyeoes ceeie&
veF& efouueer- 110017, efouueer
Jeer eEmeIeer Sb[ SmeesefmeSìdme HeÀesj ceQiees uesve, efve®eueer cebefpeue,

meerS1150 megjsvê ceesnve Iees<e mejeveer
keÀesuekeÀelee- 700001, heeq½ece yebieeue
Gceecenséeje jeJe Sb[ kebÀ HeÌuewì veb. 5-S®e, [er yuee@keÀ, 8-3-324,
S®eJee³e0235 ³esuueej[[er ieg[e uesve,
Deceerjhesì SJeÌme jes[dme,
nwojeyeeo- 500073, lesuebieevee
Sme kesÀ keÀhetj Sb[ kebÀ 16/98, SueDeeF&meer efyeeÅu[ie

meerDeej0029 efo cee@ue,
keÀevehetj- 208001, GÊej heósMe.
Keb[sueJeeue pewve Sb[ kebÀ 12-yeer, yeueoeslee YeJeve, 5Jeer cebefpeue 117,
yeerDees0090 cene|<e keÀJex ceeie&,
®e®e&iesì, cegbyeF& 400020.
®elegJexoer Sb[ Meen SueSueheer 714-715, leguemeer³eeveer ®escyeme&

yeerDees0263 212, vejerceve hee@Fbì,
cegbyeF&- 400021, cenejeä^
S yeer Sce Sb[ SmeesefmeSìdme SueSueheer Dee@efHeÀme veb.1, DeefYe<eskeÀ efyeeÅu[ie,

yeerDees1440 yeer/72, meskeÌìj 23, nesìue Ssée³ee& kesÀ meeceves,
meerJeg[dme, ves©ue,
cegbyeF&-400706
Sme Sue íepes[ Sb[ kebÀ Deej-12, cenejeCee he´leehe veiej peesve -I
meerDeej0100 Yeesheeue - 462011, ceO³e heósMe
Deej peer Sve heéFme Sb[ kebÀ efmechemeve efyeeÅu[ie 861, DeVee meueeF&,
Sce[er0018 ®esVeF&-600002, leefceuevee[g
79
62 nd Annual Report
80
80
62 nd Annual Report
1. PREAMBLE
The Life Insurance Corporation of India has pleasure in presenting its 62nd Annual Report as per Section 27 of the Life Insurance
Corporation Act, 1956, for the Financial Year ending 31.03.2019.
2. MEMBERS OF THE CORPORATION AND COMMITTEES
The names of the Board Members and Various Committees are given in Coprorate Governce (page no.107 to 110), Senior
Executives, Appointed Actuary, Members of Zonal Advisory Board and Policyholder’s Council during the year in Appendix –I
(page no.135 to 143)
3. ECONOMIC SCENARIO AND MACRO - ECONOMIC FACTORS THAT AFFECTED LIFE INSURANCE BUSINESS

N 4
policy framework, the Insolvency and Bankruptcy Code (IBC), the Goods and Services Tax (GST) and steps for enhancing foreign
-; ' I
@

' $

' 4# [

<#,< "
'

/023429 #
lower income tax for companies with annual turnover up to ` 250 Cr and further measures to improve the ease of doing business.
'/L KK'/023 A+'= "
;+ /029=!

4

' 4

'NBFC sector.
a) GROSS DOMESTIC PRODUCT (GDP)

! $;
-X /023429 H30g M0g K/0g
-X/02K423 $ @ P$@Q
HH0g L0g H90g
-X/02K423
K00g #;
B , =
P3H0gQ# =P3K0gQ#-#! !
, =PKM0gQ#" #$ #A ,:
B *, =PK0gQ #- - =#<: =#<
=
#( # #, ! + = /90g#2L0g#H90g
H90g
LH0g-X/023429#
MM0g-X/02K423
-X/023429# - "N P-"Q 320g# KM0g

G9M0g
$; $ - "N 9/0g 2Gg
$ -N -P$--Q
20g-X/023429 9L0g
-X/02K423
/023429 /9L0g
$;# L $ %
H90g-X/023429#
K/0g-X/02K423
b) GROSS DOMESTIC SAVINGS (GDS)

;
$ ; , <'
$; [
Year Household Sector Private Public Gross

Financial Physical Total Corporate Sector Domestic
Savings Savings Savings Sector Savings
/02K423^ HH0g 20L0g 2K/0g 22H0g 2K0g L0G0g
/02H42K HL0g 20G0g 2K20g 22G0g 2K0g L0L0g
/02G42H 320g 9H0g 2300g 2290g 2/0g L220g
^2st! " /nd! " Lrd Revised Estimates
81
62 nd Annual Report
c) FISCAL POSITION
- ; g
$;
>
Year Centre and State (combined) Only Centre

/0294/0+" 5.70 3.30
/023429 5.90 (RE) 3.40 (PA)
/02K423 5.70 3.50
/02H42K 6.90 3.50
/02G42H 6.90 3.90
+">+ " !"4! " 4
$
P$Q
-X/029 LL9g
$;#
LMg ! "
+ # 4N
N #- ;
L2st March, 2019 stood at ` 6.45 trillion. Gross Tax Revenue as per

/023429 `//#M3#2KG
2K2Gg /02K423; N

-X/023429 `222K 23Lg -X
/02K423
d) MONETARY CONDITIONS
!+' % = ! Hg
% =<
B /023# ' /G
<
? /023 /023 HG0g HG0g; /023<
= '
#
# .
! /G H/Gg % =

=- /029< '
private investment activity against the backdrop of signs of weakening appearing in the economy prompted the move.
!+ ,&!P,&!Q/G ,&!
23g
% ; & P%;&Q ,&! &!
/G
' I ?/029
e) INFLATION
! 4
/3Hg</029 ML0g</023
-:+
.
, [!+
82
82
62 nd Annual Report
LM2g4<-X/023429 LG9g4<-X/02K423

G90g-X/02M42GM90g-X/02G42H#MG0g-X/02H42K#LH0g
-X/02K423
LM0g-X/023429
A , NPAQ M L23g /KMg
mainly due to increase in price of primary articles .
f) EQUITY AND DEBT MARKETS

,:+,","%,"Y L3#HKL/9th<#/029# 2KL0g
L/#9H9/3th March,
/023;
L/#9K/L3#990B/9th<#/029#%-XG0 22#H/M 2M9Lg

20#22M /3th<#/023
20#2/K22#KH0

<#/029# \"!P " !Q
,:+,","%,"Y%-XG0 /LK2g/902g#
# /LK3g/MHHg
%
% %4$ &
32M/
Further, the amount mobilized too decreased to ` 36,405 cr as compared to `93#93M -X
The Average Assets under Management for Mutual Fund Industry as at end of March, 2019 was `/L30
to ` /2LH
<#/023
22M2g.
g) GLOBAL SCENARIO

/02K /023#

#

I ¢ =

' * , "
N ' " #
? ' #' #

'
/023
in the year, weighing on global demand.
# ' '

<-= #=
KH0g/0004/0032MG0g
/023
; - X /023429# = N

90Hg *,£ LL20/
399g *,£ G0KMM ; N
9g PNQ# =

*,£2KH/023429
India’s Foreign Direct Investment (FDI) as on 31st<#/029 *,£LMH

*,£ML
= -
#-X/0234/029
*,£
2.06 billion.
The country’s Foreign Exchange Reserves increased to ` /3#GL#9M0P*,£M2290Q /9th March, 2019 from the
previous year’s `/K#H0#3G0P*,£M/MLGQ
*+ /0294/0# N

$B ` 2.59 lac Cr, as on 31st March, 2019.
B
# = "N ;

; /023# "N ; *,£G/2/
= N ; $; /020g

; /023 4¤4 2990g
;
2017.
83
62 nd Annual Report
h) INSURANCE SECTOR
The Insurance Sector in India was opened for private participation with the enactment of the Insurance Regulatory and
Development Authority Act, 1999. Since opening up of the sector, the number of participants in the industry has gone up from
/000H3 L2st<#/023
#4
4
¥$4! %! , #"N $
Insurance Company of India Limited (AICIL)].
Presently, there are 24 Life Insurance Companies operating in India. Despite the numerous challenges ahead of it, the Life
, N
The statistics pertaining to Life Insurance Industry are furnished below [
P- :* Q
Sr. Growth
Data Description 31.03.2019 31.03.2018
No. Rate (%)
1. Capital Deployed (including share premium, if any)
37,116 LH#G3/ 1.46
(` cr.)
2. %
+BJ 22#/30 11,111 1.52
3. No. of Agents (Individual) 21,94,747 /0#3/#HH3 GL3
4. No. of Direct Employees /#3G#029 2,65,727 7.26
5. Total Assets (`QP"Q 36,65,743 33,13,049 10.65
6. "P<' @ Q 9,00,733 3#2/#023 10.93
7. Infrastructure Investments (` cr.) L#3M#/H/ 3,76,097 2.17
3 Renewal Premium (` cr.) 2,93,741 2,64,327 11.13
As compared to `2#9L#3HH # - X
&
20KLg'
` /#2M#HK/3H -X L2L/029
20/g
%

/3/ -X/02K423/3K -X/023429
& ' HH/Mg

<' , - X KMK2g%

GH3g % + -X /023429
i.e. over ` 1.42 lac Cr as compared to over `2LM -X/02K423

&
-
&
!; !
/02K423
` L2#39#0H0 L20L/023# `/3#GM#29L L20L/02K
22KMg
Fund has thus shown an increase of `L#LM#3HK /02K423 `L#G/#2/G /02H42K
During the year the Central Government has launched the world’s largest healthcare programme,’ Ayushman Bharat’, to
G0 $ = , <
? ?+X¢=<,' +X¢=

insurance in the country. The Government’s policy of insuring the uninsured has gradually pushed insurance penetration and
proliferation of insurance schemes in the country.
+"-P+"-Q#
'

several changes in regulatory framework which will lead to further change in the way the industry conducts its business and
engages with its customers.
N *,£/30/0/0&
N
2/42Gg
N
Demographic factors such as growing middle class, young insurable population and growing awareness of the need for
protection and retirement planning will support the growth of Indian life insurance. Improvement in persistency with increased
focus on customized and innovative products still remains a great challenge for the life insurance industry today.
P, [ ! ;
#&
#!+#",

/02K423#a " ;
"I #<
, \
84
84
62 nd Annual Report
, BJ # % ,' "N # , "N +
# < -#
+,'"N #+"-#*+ /0294/0#A"B'Q
4. WORKING RESULTS
I. NEW BUSINESS
a) Individual Assurances:-
The New Business under Individual Assurance portfolio for the last three years is given in Table No. 1A
b) General Annuities:-
The New Business under General Annuity portfolio for the last three years is given in Table No.1A.
c) Pensions:-
The New Business under Pension portfolio for the last three years is given in Table No. 1A.
d) Non Linked Health:-
% + %&' (

%2
e) Unit Linked Business:-
% + *&'

%2
f) Group Insurance Business
The New Business under Group Insurance portfolio for the last three years is given in Table No. 1B.
g) Social Security Schemes
$ ' # #<? ?+X¢
P<??+XQ<,' +X¢P<,+XQ
9th of May 2015. The
purpose of these schemes is to provide insurance protection to account holders of the Banks at a very reasonable cost.
PMJJBY provides Life Insurance Coverage of ` 2 lakhs whereas PMSBY provides Accidental and Disability insurance
upto `/' '
' 23 P QG0
years (age nearer birthday) are eligible for cover under PMJJBY for the premium of `LL0\4 A

' 23K0
<,+X

`2/\4
%&
* <??+X<,+X#

I
amount for the same is deducted from the bank account of subscribers against a mandate.
CONVERGED PRADHAN MANTRI JEEVAN JYOTI BIMA YOJANA
A
, <? ?+X¢ P<??+XQ <,'
+X¢#P<,+XQ $
N
+
X¢P+XQ<? ?+X¢P<??+XQ\<,' +X¢P<,+XQ
I
020H/02K
"N
+X # 23G0 G2
G9 23G0 <??+X\<,+X
in age group 51 to 59 is to continue in existing format of AABY.
< 23G0
` 2 lakh under PMJJBY for the premium of `LL0\4
per annum. These members are also covered under PMSBY for Accidental and Disability Insurance for premium of `
2/\4 ,
<??+X\<,+X
`LM/\4
G0g
`2K2\4 <??+X , $ \ \4
, G0g `2K2\4 $ ,, -
by LIC of India.
"N
+X G2 G9 N
premium rate of `/00\4 +X,
G0g
` 200\4 +X , $ \ \ 4
, G0g `200\4 $ ,, -
with LIC of India.
85
62 nd Annual Report
MM3 , , , P <?;XQ

`2#GG993
2#LL#KL2 ,, ,
PRADHAN MANTRI JAN DHAN YOJANA (PMJDY SCHEME)
<?;X¢ /303/02M#

* +'
B
&

cover of ` L0#000\4 &

Accident Insurance Cover of ` 1 Lakh provided by Government through General Insurance Companies.
For availing the Life insurance coverage of ` L0#000\4
#
23 G9
\ <?;X 2G03/02M
to 31.01.2015 and should be holder of a valid and in force RuPay Card. Life cover under this policy is available upto
31.03.2020.
P ,¢ $ Q
h) First Insurance:

¢
#
; /023429#23999
'

,
` M#3H#G99L9
=
2393H'
,
` 4,63,435.29 Cr. The ratio of First Insurance to total Business

33KHg:3MH2g
%
,
i) Rural Thrust:
, I
&
#
backward and remote areas. As a result, there has been steady growth of New Business from these areas. The New
Business from rural areas amounts to Sum Assured of `92#09M9G MK#MK#H9M //23g
2G3Mg
, -X /023429

rural/social sector is as approved by IRDAI.
II. BUSINESS IN-FORCE IN VARIOUS SEGMENTS
a) Individual Assurances:-
4

%L
b) General Annuities:-
4
$

%L
c) Pensions:-
4

%L
d) Non Linked Health:-
4
%&' (

%L
e) Unit Linked Business:-
4
*&'

%L
f) Group Insurance Business:-
The business in force under Group Insurance Portfolio including Linked Business, for last three years is given in Table
No. 3B.
5. CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS
As on March 31, 2019, Annuity Certain Policies numbering 426 were in force for an amount of annuity per annum of `2/3HL'
There were 7,445 Capital Redemption policies in force for a sum assured of ` 23#2M033'
86
86
62 nd Annual Report
6. STATUTORY STATEMENTS REGARDING POLICIES

¨;;h #29L3 %M
7. ORGANIZATIONAL SET UP

L20L/029# 3OBJ <#; #a'# #( #a#+
22L; BJ #/#0M3+BJ #2#M32, BJ P,B Q2#/00<BJ
; BJ +BJ

, BJ
<J
-<= /02L42M

20#000 ¢
,
<J

8. LIFE FUND, SURPLUS AND TAXES PAID
The Life Fund, Valuation Surplus and the Share of Central Government are growing consistently every year. Figures pertaining to
/02H42K#/02K423/023429 %G
87
62 nd Annual Report
9. MARKETING ACTIVITIES
2 ; /023429# % + # /#2M#0L#90G
First Premium Income of ` M2#03HL2 %B 3GH/g - 3H9Hg
`2/#99KML 2#9M#M23
<@@X¢ #

L0#M23
STATEMENT OF INDIVIDUAL NEW BUSINESS PROCURED DURING 2018-19 CHANNELWISE
BUSINESS NUMBER OF POLICIES FIRST YEAR PREMIUM INCOME

(in lakh) ( ` in Cr)
B%@"%B%&P";Q 2KKH3 M/#K2/23
+%a%$:&"!%"(%%"&, 2.30 1,345.67
("-&-"%,*!%";@,B!P&Q 27.19 6,160.62
;!"<!a"%$ 0.69 KK/3H
<!B%,*!%" H23 /03L
TOTAL 214.04 51,012.16
A) BANCASSURANCE & ALTERNATE CHANNELS
; -X /023429# + P+:Q /#L0#/3K
garnered ` 2#LMGHK
- X P-XQ
+:-
- P Q L/Lg
# 4 2/ , +' # H +' # 23 ! ! +' #
M24 +' 2- +'A HM :3L <' - P<- Q
; #K +' #2/B :/0 <' - P<- Q
+' 3/H9g

9MLLg
-X
+
business by completing 1,90,423 policies and `2#/H9L3
-XB LK#2H3
with ` 46.01 Cr of FYPI. Brokers completed 1,611 policies with `29HM-X<- 203G
` 10.64 Cr of FYPI.
107 Bank Branches procured `2 -# /M3+'+ - ` 50 lacs to ` 99
lacs, during the year.
B) DIRECT MARKETING
; <' # #/009H* 229*
The initiative was aimed at creating new systems for business generation, sales process monitoring and business process
with a view to reaching out to untapped Markets and providing a new and improved buying experience to the customers,
= # N (%
-X /023429# -
` KHK93H3#3ML
; <'
@ %, B
procured a premium of ` /KM3329#L0L
H #&= 4 PB Q#? ' 4@P Q#<
@ @ X¢# <@@XP
Q# &= B P
Q#&= ? ,P :; I Q&= %¢ P,
cover) are now available for online purchase.

B P&;!"Q, #/02G
020M/02G'
¢

B
/023429 2#009 ` 165.01 Cr. First
Premium Income under own DSA code and `/3//KPL2#K9G Q
;,
C) HEALTH INSURANCE
; /023429#( ; -
` 99.07 Cr procuring 2,62,906
Policies.
88
88
62 nd Annual Report
( ; ( - /003 ¢

( ' ( A L2#M3#H//
( L20L/029
# ' ( #? =P %90MQ# =P
%90GQ4' -N + (
2H22/02L
14.11.2017 respectively.
; /023429# 29#39G ¢ %&= L20L/029
An amount of ` LGGM
( 2#3H9
payments were made and an amount of ` 15.36 Cr was paid towards the same.
D) MICRO INSURANCE
Micro Insurance Business vertical completed 6,17,653 policies with ` 2L0G- -X/023429
Total number of policies covered by the vertical since inception is 2.03 Cr. Thereby, it has provided valuable insurance
cover to the underprivileged and low income segments of the society. The contribution of this vertical to LIC’s new

-X/023429 /39g
<
%4$ B
P%$BQ#,
( $ P,($Q#<- P<-Q# # #+' #
; +' P;+Q#! !+' P!!+Q#* +' P*+Q#
, P,Q#B , P,Q#+' P+Q-
Companies (FPCs). There are 19,926 MI Agents on roll as on 31.03.2019.
A
&= <+#" 230//029# L&

being sold by this vertical including 2 Assurance Plans, (LIC’s Bhagya Lakshmi and LIC’s New Jeevan Mangal.)
-X /023429# /0/ ¨< + $h ¨< + $\
h,

completion of a certain minimum number of new policies from that area during the Financial Year.
Micro Insurance policyholders can deposit their renewal premium at the designated Premium Points and CSC outlets.
; -X/023429#K2 N M#MK0

year, taking the total to 4,541 which covers all Branch areas of the Corporation.
* 2M#9L#/20 ,#
G/LHg
! #! -X/023429
been ` LLHK
/299g !
/023429 ` 145.32 Cr.
E) PRODUCT DEVELOPMENT
&I
#

I

; # \ G
L
&= ? ,# &= < +# &= %¢ # 2 $ <
,X<4X¢
<@@X¢

/023429# L/ #2L$ K
available for sale.
F) SENIOR BUSINESS ASSOCIATES (SBA)
,+, /009

; BJ
:4

N ,+
232//02K
:
,+ ! &-"&*,J
can also do E2E completions on new proposals and provide certain servicing functions.
The number of SBAs as at 31st<#/029 L#MKM/#3/#0/G
% +
,+ -X/023429 GH#2H#9KL ` 20#M2G03-
,+
-X/023429 2#H2K ` /9930 -
89
62 nd Annual Report
- -X/023429#

,+ % +
/H/Mg /GLGg
- ; -X/023429#/9/ `2G#2/39G
,+ &
BJ
LIC ASSOCIATES SCHEME ( LICA)
&
020M/02H¢
strengthening the distribution system by gainfully redeploying the valuable marketing talent of retired Senior Business

,+ &
L N AB
& N : % +

+<B%%"BJ
L20L/029#
& 90K#K3G
; -X/023429#&
2#/3#M/2 ` /9/M3
-
2. AGENTS
a) AGENCY STRENGTH:

! 22#K9#//9 L20L/029 22#M3#322 L20L/023

20#H9#32H L20L/029 20#K2#9MG L20L/023
b) AGENT’S CLUB MEMBERSHIP
In order to motivate and recognize high and consistent performers amongst the agency force various Clubs have been formed.

[
MEMBERS OF VARIOUS AGENTS’ CLUB
Name of Club Membership Year

2018-19 2017-18 2016-17
Corporate 243 191 167
Galaxy 953 623 426
Chairman 40,245 39,411 39,249
Zonal Manager L2#3GM 31,562 31,323
Divisional Manager 53,524 53,504 GL#3K2
Branch Manager 42,565 MG#L30 50,561
Distinguished Agents Club 23#22K 2L#0K3 12,500
Total 1,87,501 1,83,749 1,88,097
c) CAREER AGENTS SCHEME

* !

the Agency force. They are given stipends at the start of their career to enable them to settle down in the profession. As on
31st <#/029 M#H0G* H2#2M/!
, /020 ; BJ
Agents. As on 31st March, 2019 there are 29,756 City Career Agents.
d) CHIEF LIFE INSURANCE ADVISOR SCHEME, 2008 :
& &, 2/0M/003 ¢
'

existing high performing agents for organisational growth.
"
, /023429#-
`G#L0K9GP4239gQ/K#23#90G P2/MLg
Q 2#KM#33M # //#//M
&

2/K0g 22LGg - 2/9/g 2/H0g
last year.
Four types of CLIA Brigades were introduced to enhance the status of CLIAs and to bring about professionalism amongst
-< /023429 9GM, + #2#/MM$+ #2#/GH;
+ LMH+ #+ L#300
90
90
62 nd Annual Report
e) AUTHORISED AGENTS :
In view of the increasing customer expectations for more convenience in premium payments and servicing, the Corporation
has empowered select Agents to collect the renewal premium through “Premium Points”. As on 31.03.2019, number of such
¨ h LM#323
` MM#20H33 !
393! ! &

K0Hg2M2g

/L9Kg

3. BUSINESS PLANS FOR 2019-20:
- -X /0294/0# - X ! :- X

% +
% +
-X/0294/0 [
BUDGET FOR THE FY 2019-20
B&B&",P%Q /G0
,%$&"!"<*<P` IN Cr) 25,000
%B%,%$&"!"<*<P` IN Cr) 20,200
-!,X"!!"%"A&!"<*<P` IN Cr) 11,300
-!,X"!!"<*<%B<"P` IN Cr) 56,500
10. OVERSEAS OPERATION

a) FOREIGN BRANCHES :
J < P& Q#-¢P,:&'Q* a
PA Q; /023429# - + 2M#/3M

` 370.27 Cr.
b) FOREIGN JOINT VENTURE COMPANIES :
Life Insurance Corporation (International) B.S.C. (c), Bahrain:
&
P Q+,PQ# + ¢
commenced on 23rd ?# 2939

%4! P%! Q
N $

*,; G$

+# a# *" P; : ;Q# B - L22//023#
earned a Net Total Premium of about ` 1,930.27 Cr.
Life Insurance Corporation (Nepal) Ltd:
&
P% Q& ¢ &
<\,@ $
holding of Nepal and was established on 26th December, 2000. It is a listed Company whose shares are traded on the Nepal
,'"N - - 2G0K/023# %
` 653.67 Cr.
Life Insurance Corporation (Lanka) Ltd.:

&
P&'Q&¢ &
<\,+ &
operations started on 1st<#/00L,&'- L22//023# %
of about ` 20.47 Cr.
Kenindia Assurance Company. Ltd.:

a &¢ &
#$

others was established on 6th; #29K3a
4
-
L22//023# %
` MK3/L
Saudi Indian Company for Co-operative Insurance:

,
4 P,Q# ¢ &
# &

P Q +,PQ# +# % & # B
a
of Saudi Arabia was established on 17th ?# /00K a
, &

: &

P Q+,PQ#+M93g
4

business.
91
62 nd Annual Report
Life Insurance Corporation (LIC) of Bangladesh Limited:

Life Insurance Corporation (LIC) of Bangladesh Limited is a Joint venture company between Life Insurance Corporation of
#, "< &< +'& PY@Q

299M
+ 2M2//02G- L22//023# %

` 6.76 Cr.
c) FOREIGN WHOLLY OWNED SUBSIDIARY :
Life Insurance Corporation (Singapore) Pte. Ltd.:
&
P, Q &#AB , L0#/02/,
- L22//023# %
` H320
11. CUSTOMER RELATIONSHIP MANAGEMENT (CRM)

Settlement of Claims:
As a customer centric organization, it has been our constant endeavor to raise the benchmark in our claims settlement performance.
During the year, the Corporation has settled 259.54 lakh claims for ` 2#HL#20MP< :$
, Q

Maturity Claims Settled Death Claims Settled

Year No. (in Percentage paid No. (in Percentage paid
Amount (` Cr) Amount (` Cr)
lakhs) (in number) lakhs) (in number)
/02H42K 205.11 99,109.66 97.20 10.47 2L#G322M 93K2
/02K423 267.36 2#2K#333L0 95.50 10.09 2M#/3L2G 93GG
/023429 249.62 1,45,636.06 92.95 9.92 2K#MH3ML 93/K
Timely settlement of claims will continue to be our focus in coming years too.
Policy payments through NEFT
; /023429# & LG2 %"- P% " -
Q

` 2#HM#3GK/0 9H/Hg

Annuity Payments[

A 32.85 lakh policies where annuities
; PQ 3O( L; BJ
#+ :a''

%"-\",4 +'

Claims Dispute Redressal Committee:

B

the claim repudiated. The percentage of death claims repudiated is very small. Even in these cases, an opportunity is given to the
'
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Call Center Services:
LIC’s Centralized Call Center became operational from 29th , # /023 0//4H3/KH3/K
/MNK("
M0' /0234/029B
#KHg
@!,/Mg ,
!
2st January, 2019.
,
!
2>G
/0234/029 4.32 on 31st<#/029B9/3g

"N &( '

# 90K/g

Center.
92
92
62 nd Annual Report
Customer Zones[
KL ' 4 =

# "N =
LICHELP:

&("& ,<,' ¨&("&©
no> to “9222492224”. An acknowledgement SMS with a reference number is received by the policyholder and Customer Zone

\
#
,<,\ 4--X/023429#/#32#MM0,<,
Communication to Customers:
More than 100 types of SMS are being sent to policyholders whose Mobile Numbers are available in LIC records. A total of
20/HG,<, /023429
Cessation of Printed Premium Notices:
Instead of Printed Renewal Premium Notices, SMS alerts will be sent to those policyholders whose Mobile numbers are available in
LIC records w.e.f. 01.04.2019. Provision has been made in the system where Customers who wish to receive a physical copy of the
! % \ %
Customers registered on Portal for Basic and Premier Services:
Customers registered on the Portal for Basic Services

020M/023L20L/029 01.02.2016 to 31.03.2019
Customers Policies Customers Policies
LL#02#K3H 51,97,332 2#/L#32#0GM 2,50,64,979
Customers registered on the Portal for Premier Services
020M/023L20L/029 01.02.2016 to 31.03.2019
Customers Policies Customers Policies
24,406 43,099 3,41,651 9#22#303
Alternate Channels of Premium Payment:
LIC has facility of premium payment through various alternate channels to enable the customer to pay the premium anytime and
4Q, '#Q \; #Q% +'

#Q<, Q '
Premiums can be paid through various Alternate Channels for inforce policies which are not under Salary Savings Scheme (SSS).
- /023429#GHM/g M99/g

was collected through Alternate Channels.
The available alternate channels for collection of premium are as under :
A. OFFLINE PAYMENT CHANNELS:

1) National Automated Clearing House (NACH):
& I
3% /02H#
available Pan India on the NPCI platform of core banking through standing instructions to Bank. LIC of India has migrated
N ",
%(
2) Electronic Bill Presentation and Payment (EBPP): Premium can be paid through registration on the websites of
Corporation Bank, ICICI Bank, Federal Bank and Axis Bank. For other banks, this facility is available through service
[+; ' $P Q ' &<
- &
J
93
62 nd Annual Report

4
P N*&#( "4 Q B<
< #%( ,, , "+"! 4

customers.
B. ONLINE PAYMENT CHANNELS:

3) Customers’ Portal Payment Gateway: Premium, Policy Loan/Interest and Advance Premium can be paid online on LIC
A % +'-#"4A #; #*\+(<

for credit card transactions.
4) Premium Collection through Banks:
• Axis Bank: '"N

N +'
drawn on Axis Bank.
• City Union Bank: '"N

*+'
*+'
• IDBI Bank: A I

/3th February, 2019 Premium can be paid at any bank branch or Extension Counter of
;++' ;++'
•
*&(
+'
5) Premium collection through Franchisees:

- B%&X[
• APTOnline :

$
P [
in).
• MPOnline [

$
< P [< Q
• Suvidhaa Infoserve Pvt. Ltd. [

- [
9223225225.
• CSC Centers through CSC e-Governance Service India Ltd: The Common Services Center (CSC) Scheme

% 4$ P% $Q L2G,

NHG#000
& B
are gradually being enabled for premium collection.
,(N

` G0#000\4
Valid Receipts are issued by the Collection Centres instantly.
%

*&#( "4
• Paytm App: A I

5th /023 A #% '#;
# *\+(<@ !

¨<B h<N& ` G0#000\4
• Insta Pay:

B
! #
“INSTA PAY Service” which is available across all banking platforms in India has been integrated from 11th March
2019 through Bill Desk. Premium can be paid only through Net Banking mode. Presently this service is facilitated
/M ' @ 4 +; '

transaction. Maximum Limit is ` G0#000\4

*&#( 4
94
94
62 nd Annual Report
6) Premium collection through Senior Business Associates (SBA): , ; J ,+

4
N 4 #L#92L,+
Centers are referred to as “Life Plus”.
7) Premium collection through Empowered Agents: In tune with the increasing customer expectation for more
conveniences in servicing, the Corporation has empowered selected Agents to collect the renewal premium through their
collection Centers called as “Premium Point”. At present, there are 37,321 Authorized Agents across the country who

4
N 4 ,((" *"
instantly.
8) Premium collection through Retired Employees[, &"
premium online and issue receipt instantly. At present, 367 Retired Employees are authorized across the country to

4
N 4
9) Premium collection through LICAs (LIC AssociatesQ[& P! ; BJ Q
collect premium online and issue receipt instantly at their collection centers called as “BIMA Connect”. At present 121
&
4
N 4
10) Premium collection through Chief Organizers[

B
220
B

4
N 4
11) LIC Mobile Application: &< ¨<&h A

and Android phones.
12) Payment of premiums at POS machines: ! B,
machines installed at selected Branches and Premium Points of Authorized Merchants.
13) Online Advance Premium

? /023 <&

N

maximum period of three months in advance of the due date of the premium. Deposit Receipt for Advance Premium will
B #¢ 4!
id registered by the policyholder.
Customers’ Grievance Redressal[
$ ! BJ +\; \O\ BJ

Their names and time of availability are published in newspapers with wide circulation from time to time and also available on our
website. The spirit of customer relations and customer care has been ingrained in our complaint redressal system with emphasis
on placing customer oriented personnel at all touch points. IT enabled support system has been operationalised to reduce manual
interventions and minimize grievances.
-
# \ B B

¢ \
#

claims, any dispute on the legal construction of the policies in so far as such disputes relate to claims, disputes regarding premium

4
B BJ #
+ #+#+ ## #; #$#( #?#a#a'#&'#<#
Noida, Patna and Pune.
- '

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< , =P<,Q&= 4 = [\\
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for redressal of any grievances. .
12. CORPORATE COMMUNICATION

/023429#

'
vigorously across all mediums.
95
62 nd Annual Report
B 2/0 GG MG
from 19 tender advertisements for other departments. Important leadership events were sponsored, which gave us wide publicity
and our presence was noticeable. New plan launch events and publicity campaign for 3 new products were carried out along with
¢ M
and utilities of life insurance and Agency.
A 2KL!
2H-<! 2M2
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(FCT) campaigns, sponsorships of popular programs and public awareness short drama series which gave us extensive publicity

¢
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During the year, our brand presence was visible on National and Regional TV News Channels, National General Entertainment
#, #
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sizeable viewership and our participation on events attracting huge viewership gave us wide publicity mileage.
, +3#9KM #

+' +/0, ?
#, '+
27 Aircrafts of Air India, Branding on Media Screens across Railway Ticket Reservation Counter in 2,320 screens at 407 Railway
stations pan India were done during the year. Further, sponsorships of more than 200 ground events in various categories like
education, sports, literature and music, cultural events, insurance summits, awards and Conferences were undertaken.
B! I

! #

of new products, important events and customer initiatives.
, &4,

X 9#LH0, #L#ML9
#< @
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,
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camps were conducted during the year.
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/023429 #
marketing, native articles, video series for creating insurance awareness and through social media presence. The digital display

/0232/¢ X#"N #-"N #

#" #( #+ ,#<,%#< #;'+ '#;'?#¢'
% 23
/0

/023429 &
< " =
+ @ &
Indian Express. The Social Media activities of LIC also took a leap during the year. The YouTube subscribers almost doubled to
23
(
L9

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than 6.4 million.
LIC won 25 prestigious awards during the year. Among the various notable awards we won are Money Today Financial Awards,
$ '
%/029#;:+ = ,*#+% +-, #+-,;
Innovations Awards.
13. RIGHT TO INFORMATION ACT, 2005-RTI
Total number of CPIOs: 130
Total number of Alternate CPIOs: 244
Total number of Appellate Authorities: 130
Total number of CAPIOs: 3,603
Details of CPIOs and CAPIOs are available in RTI Centre on www.licindia.in
Experience of LIC during 2018-19
; - /023429# 2/#HGL #/#23M- LMK,
96
96
62 nd Annual Report
RTI disclosures:
& MP2Q

!#/00G ¢ & $ ¨h#
RTI On-line Module:
! J

&
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Government of India and a link is also available in www.licindia.in>>RTIcentre>>RTI online
RTI Statistics since inception
Year Applications Appeals CIC Show cause Penalty cases Compensation cases
/00G40H 23K 1 NIL NIL NIL NIL
/00H40K 1,311 9 2 NIL NIL NIL
/00K403 2,616 394 96 27 NIL 4
/003409 4,555 93/ 174 13 1 2
/009420 H#39K 1,473 203 13 1 3
/020422 9,553 1,919 L3M 20 NIL 5
/02242/ 12,350 2,242 160 14 1 3
/02/42L 13,536 2,425 619 13 2 6
/02L42M 14,665 2,474 /3L 5 3 3
/02M42G 15,047 /#/32 303 NIL NIL NIL
/02G42H 16,424 /#K3M 462 NIL NIL NIL
/02H42K 2M#LG3 2,479 356 2 NIL NIL
/02K423 12,937 2,242 292 NIL NIL NIL
/023429 12,653 /#23M 347 NIL NIL NIL
14. PERSONNEL & EMPLOYEE RELATIONS

L20L/029 2#03#H3M 1,11,979 at the end of the previous
.
b) Employees Relations
Cordial and harmonious relations amongst employees were maintained throughout the year and the morale of the work force
was sustained to combat the challenges facing the industry.
c) Empowerment of Women
# J \

L20L/029 [
Category Total Number Female employees

4BJ 32,717 7,231
; BJ /2#G33 3H0
Class III/IV employees 54,379 2G#923
Total 2#03#H3M 24,009
#

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d) Reservation – National Policy Implementation: -
1. Scheduled Castes, Scheduled Tribes and Other Backward Classes.

, \, \B+
issued by Government of India and to provide reservation in recruitment and promotions in accordance with the provisions.
97
62 nd Annual Report
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2) Persons with Disabilities: -
In accordance with the instructions issued by Government of India and with a view to help and support rehabilitation of
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3) Ex-Servicemen: -
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4) Reservations for Economically Weaker Sections (EWSs):-
Persons who are not covered under the existing scheme of reservations for the Scheduled Castes (SCs), the Scheduled
P, Q , +' PB+ Q

below ` 300' "A,

# 20g

020//029
e) Housing loan to Agents (Club Members)
* ( ,
` 36.43 Cr was sanctioned as at 31.03.2019 to agents of the Corporation.
I
&

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< 99g
#
In accordance with Rule 149 of the General Finance Rules 2017, the procurement of Goods and Services by Ministries or
;
$ , $ 4 4<' P$ <Q ,
Code approved by Executive Committee has also provided GeM as one of the options for procurement of Goods and Services.
The training for all the Zones on GeM Portal has been completed. A link is provided on Jeevan Sanchar for accessing the GeM
Portal through External Link. All the Zones have started procurement through the GeM portal.

J
2
20A

,#
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number of branches participating in the competition is on the rise
15. HRD/OD AND TRAINING ACTIVITIES

/023429#

(!;; #
(!
providing need based training to the employees and upgrading the knowledge, skills and attitude of the workforce.
'
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4BJ (!;<
ii) 4 <;03O
"N ' %#< #,#<;#,, BJ OBJ
98
98
62 nd Annual Report
iii) a % ' (!;

BJ # #
Research Reports, Case Studies and other knowledge documents can be shared. This enables all the Training Centres to have
a common channel of communication, information sharing, skill enhancement, thus making our Training Centres the pathway

'
#
# ;-X
/023429#90G a % '# /9#330
iv) Specialized Training Programs for Millennial employees / agents were conducted
Q !
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vi) 02J
-
Q A N '

#;, #, #& ; #
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Institute of Actuaries of India etc.
; -X /023429# 2#HMG BJ M/M BJ
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viii) In order to enhance functional skills and domain knowledge of employees and help provide better service to customers, training
on functional aspects was imparted to 30,965 Class III employees through Employee Training Centres/Computer Training
Centres at Divisional level.
ix)
(!;\B; ; # P

# &# , : BJ & Q BJ #
< ; #03O ,B
x) Awards
&
\(! /023429
¤ $ '%/029P$%4M Q
¤ 3th $ (!/023
"N PM Q
¤

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,;%
/02K423
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29 [
Administrative Personnel Training Activities –
Total Employees Trained

Training Institute
!"
$"';
2018-19 2017-18
<;\O P #:@Q 50,377 39,350
( VC Training – 15,393) (VC Training – 7,527)
NIA 2,523 /#M3K
"N PB Q 424 372
Customized training 261 3M3
External training by the Zones 2#L3M 2#3M0
Foreign Training 01 09
Class III Training ( Employee Training Centre) 30,965 30,579
Class IV Training (Through Divisions) 2#2G3 2,093
Total Trained 87,093 77,578
A' !;! 13,067 17,190
Attendance to Nomination Ratio 932Gg 9H/Gg
Millennials Trained 1,563 00
(Employees and Agents trained by ZTCs)
99
62 nd Annual Report
Administrative Personnel Training Activities:

B\(!;/023429[
SR. No. Name of Program No. of employees trained
1 + ¢ <
,$BJ 31
2
-<
O\, 24
3 ! < h
-< 24
4 Training Program for Nominee Directors 24
5

BBJ 25
6 ( "N
BBJ 4+ 24
7 ! , A'
-< 15
3 ( "N
BBJ 4+ 27
9 ,- '
BJ 20
10 Leadership Program for SDMs at NIA 25
11 ; A' 05
12 A' ! ,
, BJ 17
Total Trained 261
Sports:
All India LIC Games 2018-2019:
=
# ¨ & $ /0234/029h

Dehradun from 3rd to 6th; /023
Major Achievements of LIC Teams/ Sportspersons:
I /0234/029# & /0 %\
Medals for the Corporation. The details of Medal winners are as follows –
Athletics:
Name of Player Medal Tournament Venue and Date

Ms Monika Athare Bronze Medal B % Bhubaneswar,
Bronze Medal Championship , #/023
Bronze Medal ; (
< New Delhi,
B /023
Carrom[

Ms S Apporva /$< PA GA Chuncheon,
, : ,a #
Championship) #/023
, < PA
Doubles)
Bronze Medal (Singles) ,%: 4, a#
Silver Medal (Team) /023 February, 2019
Badminton:

Mr Siddharth Silver Medal * + *#
(Men Doubles) Championship February, 2019
Bronze Medal a + a #
P< , :; Q Championship March, 2019
100
100
62 nd Annual Report
Chess:

Grand Master Sriram Jha Gold Medal (
,B - Germany,
Tournament #/023
Gold Medal All India FIDE Rapid Rating Chess New Delhi,
Tournament B #/023
A$<a< Bronze Medal A New Delhi,
Mohanty Championship ?#/023
Grand Master Dinesh Gold Medal National Blitz Chess Championship Ahmedabad,
a, /023 <#/023
Volleyball:

All India LIC Volleyball Bronze Medal All India Public Sector Tournament Trichy,
/023 /023 March 2019
Library :
; - X /023429# MH3 ' /GM " ' # 9K ( ' 22K < '
purchased.
16. MANAGEMENT DEVELOPMENT CENTRE (MDC)

“Practice is the hardest part of learning and training is the essence of transformation.”
Ann Voskamp
“Learning never exhausts the mind.”
Leonardo da Vinci
< ;
I

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Excellence, Executive Excellence, Ethical Practices and upgrading existing ones. The Centre is committed to upholding its image
,\,B9002[/02G <;
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17. OFFICIAL LANGUAGE IMPLEMENTATION
1. 193 Bilingual Forms useful in LIC of India, made available on Jeevan Sanchar intranet site. A booklet of these forms also
prepared.
2. Bilingual Forms also made available on Customer Portal and Agents Portal.
L /LG,<, (J =
M

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62 nd Annual Report
18. ENGINEERING ACTIVITIES

;
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/0 ( ( , &,!#a'

+B ;B? M $ + ,@$!(

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L; BJ
P;B?#,,Q22+BJ

@ /02MaA
and 44.50 lakh units are generated resulting in savings of revenue of ` 400 lakhs (approx) as on 31.03.2019.
O" BJ " ; ,B9002[/02G
19. STRATEGIC BUSINESS UNIT - ESTATES

"

/023429 `LL323 9023g

rental income target.
20. INFORMATION TECHNOLOGY

& [
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covered under Biometric Authentication in due course.
/Q ;A

! <
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been a rich source of Lead Generation and Customer Contact as well as cost savings through initiatives like Single Notice to
Customers holding multiple policies.
3) IRDAI has come up with Guidelines on Information and Cyber Security for Insurers on 07.04.2017. In order to comply with
these guidelines, LIC has created a new department called “Cyber Security Cell” which is headed by a Chief Information
, BJ P,BQ !;
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threat vectors.
5) LIC imparts user awareness training for all employees on Information Security related matters on regular intervals.
LIC has put in place :
1) Cyber Security Policy.
2) Cyber Crisis Management Plan (CCMP)
3) Information and Cyber Security Assurance program (implementation plan/guidelines) in line with Board approved Information
and Cyber Security policy. The cyber security cell with the help of other teams ensures the compliance to the IRDAI’s guidelines.
LIC has implemented:
1) Next Generation Firewalls with Integrated Network Intrusion Detection System (NIPS) / Network Intrusion Detection System
P%;,Q\; P;&Q\ \4+
2) The Security Incident and Event Management (SIEM) solution (as per IRDAI Guidelines) for log management, correlation and
alerting.
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channel.
5) Prevention Mechanism for Distributed Denial of Service (volumetric attacks) on our Internet leased lines.
HQ 4
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7) Cloud based services for online scanning of websites for vulnerabilities on daily basis.
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102
102
62 nd Annual Report
LIC has taken steps to:
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and Secure Code Review.
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3) Implement Asset Management Tool (AMT) for life cycle management of assets and Security Incident and Event Management
(SIEM) tools for log collection, monitoring and correlation.
From HW section :
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Authority will commence soon.
Software Development
It is crucial for the corporation to keep the pace of handling business processes, provide a better customer experience as well as to

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Proposals, agents helpline, introduction of analytics in MIS, upgradation of Customer portal which has a daily login of more than 1
lac users and launch of Mobile apps which as at year end had more than 22 lac downloads by our customers and 1.6 lakh downloads
by our agents.
4

#
option to pay renewal premium through PayTM and at IDBI Bank Branches.
'

[
• Migration of EDMS to IT infrastructure.
• Agents portal launched on new platform along with Agents app
¬
&
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LIC has always been a front runner in the industry to adopt new technologies. The department takes pride in diving deeper into the
technological innovation and reaping cutting edge advantages out of it thereby creating customer delight.
21. INTERNAL AUDIT

+\, \; \OBJ BJ ;

/023429
has been duly completed as on 31st<#/029; /023429 I '

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22. INSPECTION
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103
62 nd Annual Report
The Inspection reports issued on the basis of the Inspection exercise were analyzed and compliances were called for. Violations
/Gg
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23. NEW BUSINESS & REINSURANCE:

% + :!

' '
' *

providing fair risk assessment in selection and pooling of risk and charging appropriate premium commensurate with the risk that
lives bring to the pool.
Underwriting Policy
*
#' ¢ +
*
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Upgrading knowledge/ skills
A ' \ '
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operational knowledge at grass root level is developed.
Revision in Underwriting Guidelines
*

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Digital Initiatives
New Business and Reinsurance Department has taken up various digital initiatives in keeping with the technological advancement

4
Reinsurance
All reinsurance contracts are administered as per the Reinsurance Regulations and treaties with various Reinsurers. The processes
of reinsurance are managed through Reinsurance Module.
24. VIGILANCE:
; # @ ; I
@ > ¨"
4+ % h 4

Towards this end, activities like competitions in schools and colleges, seminars, workshops/sensitization programs, customer
grievance redressal camps were held all over India. Mass pledges were administered to the participants. SMSs containing theme

@ ' N#H39 ' 4

@# #2K3 $, #
I

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of our organization.
Further, proactive and preventive vigilance measures were taken in identifying systemic issues, if any, and their correction. Disposal
of the cases was accorded top priority
104
104
62 nd Annual Report
25. COMMUNITY DEVELOPMENT ACTIVITIES

I. Group Schemes and Social security
Claims under various Social Security Schemes:

; -X/023429#2#LL#KL2 `2#GG993 ,, ,

[
CLAIMS
SCHEME NO AMOUNT ` (000)
PMJDY 666 29#930
Converge PMJJBY 67,416 2#LM#3/#LL0
Converge AABY 39,070 2/#L2#3G/
AABY 24,255 3#LH#LHL
SSGS 2,324 29,222
TOTAL 1,33,731 1,55,99,747
Name of Various Social Security Scheme

Abbreviation Scheme Name
PMJDY <?;X¢
Converged PMJJBY <? ?+X¢
Converged AABY +X¢
AABY +X¢
SSGS Social Security Group Scheme
Social Security Cover (Including PMJDY)
MM3 ,, , -X/023429

II. Investment in Social Sector
The total investments of the Corporation amounted to ` /9#3M#LL2/G L2st March, 2019. Table 6 depicts a broad

L2st March, 2019.
The Corporation subscribed an amount of ` 1,43,476.94 Cr (Book Value) and ` 3G#2MM03P+'@ Q ,
of the Government of India and the new loan issues of the various State Governments (including other approved securities)
/023429
SOCIAL RESPONSIBILITIES:
It has been the constant endeavor of the Corporation to provide security to as many people as possible and to channelize the
savings mobilized for the welfare of the people at large.
# ,A

,,
[
¢ \,

( ,
A ,, ¢ \,
;
! #+ #! :!
/023429 ` 20,596.93 Cr as indicated in Table 7. The Investments as at
L20L/029
#, B $ $ <' #& #; :"
Investments in Infrastructure and Social Sector amounts to ` 21,40,106.25 Cr.
105
62 nd Annual Report
III. LIC Golden Jubilee Foundation
&$ ? - /00H

&= , ¢
of the Foundation are Relief of poverty or distress, Advancement of education, Medical relief and Advancement of any other
¢
$ L20L/029#&
` 200 Cr to the Foundation and the interest

¢
, # - %$B
¢ M99¢ -
to many deprived sections of society through the infrastructural support provided in the above areas.
LIC Golden Jubilee Scholarship Scheme is another initiative of the Foundation, which provides scholarships at the rate of
` 20#000\4
'

\
L20L/029#2G#29H

106
106
62 nd Annual Report
26. CORPORATE GOVERNANCE

Adherence to good Corporate Governance is an integral part of the philosophy of LIC’s business conduct. The driving forces behind
institutionalizing the practices of good Corporate Governance are various proactive measures, initiatives and guidance by the
$ #&+
+&= (! B
B
Transparency, Information Sharing, Accountability and ensuring Dialogue with all the Stakeholders in addition to formulation of
4 $
+"# '

committed organizational focus on the customer service which in turn has contributed to a good growth in business.
The IRDAI (Preparation of Financial Statements and Auditors’ Report of Insurance Companies) Regulations, 2002, have prescribed
-,

[
1. Disclosures regarding the Board Governance Structure These include
%
+,
;

+ ,
; #
specialization status of directorship held, etc.

c. Number of meetings attended by the Directors and the members of the Committee.
d. Details of remuneration paid, if any to the independent directors
The above data has been furnished as below
MEMBERS OF THE CORPORATION DURING 2018-19

No. of Total
Field of Status of
Name & Designation <" Meetings sitting
Specialization directorship
attended fees paid
,<!a
B.SC, Licentiate Insurance Chairman 0 NA
(From 14.03.2019)
,@a,#P,
M.Sc. Insurance Chairman 5 NA
L22//023Q
,( +
Managing Director (From 14.03.2019)
P4 Q:<
M.A. (Economics) Insurance Managing Director 5 NA
Director (From 01.01.2019 to 13.03.2019)
Managing Director (From 10.02.2017 to
L22//023Q
,* ,#<; Master in Economics, PGDM Managing Director
Insurance 3 NA
P, L009/023Q (!<
Shri B. Venugopal, Managing Director B. Com Insurance Managing Director 6 NA
Smt. Sunita Sharma, Managing Director Managing Director
M.Sc.(Zoology) Insurance 4 NA
(Superannuated on 31.03.2019)
,, a#<;
M.A. Insurance Managing Director 0 NA
(From 14.03.2019)
Shri Subhash Chandra Garg, Finance " :
, #<B-#$BP! +#&&+#A#, Administration Member 4 NA
27.03.2019)
+P( Q#<P
Shri Girish Chandra Murmu, Secretary, " :
Science), MBA (Public Member 5 NA
P"N Q#;-,#<B-#$B Administration
, 4 Q
, a#"N4<;#; +'P
M.Sc. (Chemistry), CAIIB Banking Member 3 60,000
2H22/023Q
Smt. Alice G. Vaidyan CMD, GIC Re PG (English), FIII Insurance "N4BJ< 4 NA
,¢#<;:"B# %:
M.Com, CAIIB Member 1 NA
+'P-2H22/023Q Banking
%4BJ
Shri Bimalendu Chakrabarti +P( Q# Insurance 6 1,20,000
Member
%4BJ
Shri Ravindra Nath Chaturvedi B.Com, FCA, DISA - : 6 1,20,000
Member
B. Com, DMS, CAIIB,
APQ# %4BJ
Shri R. Chandrasekaran Insurance 6 1,20,000
,
#-#P*aQ# Member
!<P*aQ
During the year six Board meetings were held
107
62 nd Annual Report
*CURRENT MEMBERS OF THE CORPORATION

Name & Designation <" Field of Specialization Status of directorship
,<!a# B.SC, Licentiate Insurance Chairman
,, a#<; M.A. Insurance Managing Director

Shri Vipin Anand, Managing Director B.Sc Insurance Managing Director
+P( Q#<P
Shri Girish Chandra Murmu, Secretary, " :
, Q#<+P, 4 Member
P"N Q#;-,#<B-#$B Administration
International)
Shri Debasish Panda, Additional Secretary, DFS, M.Sc(Physics), M.phil " :
Member
<B-#$B (Environmental Science) Administration
,¢<;:"B# %:
M.Com, CAIIB Member
Bank Banking
Shri Bimalendu Chakrabarti +P( Q# Insurance %4BJ<
Shri Ravindra Nath Chaturvedi B.Com, FCA, DISA - : %4BJ<
+#;<,#+#APQ#
Shri R. Chandrasekaran Cert. in Computer Software, FIII, Insurance %4BJ<
P*aQ#!<P*aQ
As on 25.10.2019
MEMBERS OF THE SUB COMMITTEE OF BOARD DURING 2018-2019

MEMBERS OF THE EXECUTIVE COMMITTEE
Name of Members No. of Meetings attended Sitting fees paid
,@a,PL22//023Q 04 NA
,* ,PL009/023Q 01 NA
, aP2H22/023Q 03 30,000
Smt. Alice G. Vaidyan 03 NA
,( + 05 NA
,+@ P
2K20/023Q 05 NA
Smt. Sunita Sharma (from 11.01.2019 to 31.03.2019) 04 NA
,¢P
/922/023Q 44 NA
- "N < /0234/029
MEMBERS OF THE INVESTMENT COMMITTEE

,<!aP
//0L/029Q 01 NA
,@a,PL22//023Q 07 NA
,( + 09 NA
,* ,PL009/023Q 04 NA
Smt. Sunita Sharma (till 31.03.2019) 07 NA
, aP2H22/023Q 03 30,000
Shri Girish Chandra Murmu 09 NA
,+@ P
2K20/023Q 09 NA
,¢P
/922/023Q 01 NA
,, aP,
//0L/029Q 01 NA
Shri B. Chakrabarti (from 22.02.2019) 01 NA
Shri Dinesh Pant 10 NA
< /0234/029
MEMBERS OF THE AUDIT COMMITTEE

, aP2H22/023Q 04 40,000
Shri B. Venugopal 07 NA
Shri Ravindra Nath Chaturvedi 07 60,000
,¢P
/922/023Q 01 NA
, < /0234/029
108
108
62 nd Annual Report
MEMBERS OF RISK MANAGEMENT COMMITTEE

, aP2H22/023Q 02 20,000
Shri B. Venugopal 04 NA
Shri B Chakrabarty 04 30,000
,¢P
/922/023Q 01 NA
-! '< /023429
MEMBERS OF THE POLICYHOLDERS’ PROTECTION COMMITTEE

,* ,PL009/023Q 01 NA
,( +P2002/029Q 02 NA
Shri R. Chandrasekharan 04 30,000
;, ; 'P
/20H/023Q 02 NA
,+@ P
2K20/023Q 03 NA
Smt. Sunita Sharma (from 11.01.2019 to 31.03.2019) 01 NA
- = /023429
MEMBERS OF THE BUILDING ADVISORY COMMITTEE

,@a,PL22//023Q 44 NA
,* ,PL009/023Q 44 NA
,( +P-2202/029Q 01 NA
,,,P
2K20/023L20L/029Q 44 NA
, aP2H22/023Q 44 NA
Shri B. Chakrabarty 01 10,000
,¢P
/922/023Q 44 NA
Shri A.B. Vaidya 01 10,000
,,'+ ¢ 01 10,000
B + /023429
MEMBERS OF THE WITH-PROFIT COMMITTEE

,@a,PL22//023Q 01 NA
,( +P-2202/029Q 44 NA
Smt Alice G. Vaidyan 01 NA
Shri R. Chandrasekaran 01 10,000
Shri N.M. Govardhan 01 10,000
Shri Dinesh Pant 01 NA
B A4 /023429
MEMBERS OF THE INFORMATION TECHNOLOGY STRATEGY COMMITTEE

,* ,PL009/023Q 01 NA
Shri B. Chakrabarty 01 10,000
Shri R. N. Chaturvedi 01 10,000
,+@ P-2K20/023Q 44 NA
,,,P
2K20/023L20L/029Q 44 NA

P;QB;P
//0//029Q 44 NA
B
, /023429
MEMBERS OF THE REMUNERATION COMMITTEE

Shri Girish Chandra Murmu 44 NA
, aP2H22/023Q 44 NA
,¢P
/922/023 44 NA
%<
! /023429
109
62 nd Annual Report
MEMBERS OF THE REVIEW COMMITTEE ON WILFUL DEFAULTER

,@a,PL22//023Q 44 NA
, aP2H22/023Q 44 NA
,¢P
/922/023Q 44 NA
,( +P
2202/029Q 44 NA
%<
! A
;
/023429
MEMBERS OF THE ELECTION OF SHAREHOLDER DIRECTOR COMMITTEE

,@a,PL22//023Q 44 NA
,( + 44 NA
Shri B. Venugopal (from 11.01.2019) 44 NA
%<
"
, ; /023429
a) <
=" ; ;' >? "
' @[\
";@
commission and expenses ratios

# =
<
Report of the Annual Report and the Independent Auditors’ Report – Refer Schedule 15A.
b) Actual Solvency margin details vis-à-vis the required margin

[
Particulars -X/0234/029 -X/02K4/023

Actual Solvency ratio/
1.60 2G3
! ,
c) Insurers engaged in life insurance business shall disclose persistency ratio of policies sold by them.
Sr. No. Particular 31.03.2019 L20L/023

1 For 13th month
By no. of Policies HH00g HH00g
By annualized premiums KK00g KH00g
2 For 25th month
By no. of Policies H000g G300g
By annualized premiums K200g H300g
3 For 37th month
By no. of Policies GM00g GL00g
By annualized premiums HG00g HL00g
4 For 49th month
By no. of Policies G000g GL00g
By annualized premiums H000g HH00g
5 For 61st month
By no. of Policies G200g ML00g
By annualized premiums HL00g G900g
d) ] "'; "

^
"' \
-

=
Report of the Annual Report.
e) Description of the risk management architecture
& '

N ' ' ' '# '# '# ' '
! '< # '

N ' '
110
110
62 nd Annual Report
' =

protected but also their reasonable expectations are met. The Corporation is committed to having a continuous organizational
focus on Risk Management and has a Risk Management Policy covering areas such as Risk Vision, Risk Governance, Risk
#! '< #! '< #! '<:! '!
; # ' # #
B ' \ '
f) Details of number of claims intimated, disposed of and pending with details of duration.

-X/0234/029
[
No. of Claims paid for the period 31.03.2019

Total amount
Sr. B Total No. of
Types of Claims 1–3 3–6 6 months – of claims paid
No. before 1 month 2X Claims paid
months months 1 year (` In Cr)
maturity
1. Maturity Claims 5332371 3530149 1562950 H003K9 55757 36335 22223MM2 112965.34
2. ,+ 11156746 2/3GLL0 309L/3 420665 K39LK 92621 2L3MLH/K 32670.72
3. For Annuities /
21791403 2399405 226950 150903 131200 229321 /M9/923/ 106113.27
Pension
4. For Surrender (from
4119 5077236 2GH293 23MGM 446 0 5256453 H92HL23

Q
5. B P

/KK93 54 0 0 0 0 /K3G/ 5.26

Q
1. Death Claims (from

0 9MHL39 32334 13459 250 45 992477 2KMH3ML
date of intimation)

<L2#/029
[
Sr. For Annuities /

Claims Experience For Death For Maturity ,+ For Surrender B +
No., Pension
B\,

1. 929 433349 40 20G23M 0 0
the period
Claims reported during the
2. 2003999 12267561 14155551 H0K/G3L 5256453 /K3G/
period
Claims settled during the
3. 992477 22223MM2 2L3MLH/K 6063792 5256453 /K3G/
period
Claims Repudiated during the
4. HH3/ 0 0 1606 0 0
period
Less than 3 years from the
a. 5613 0 0 1606 0 0
date of acceptance of risk
Greater than 3 year from the
b 1069 0 0 0 0 0
5. A +' 9190 3/992H 309370 617 0 0
B\,"

1579 752553 2594 111752 0 0
period
Less than 3 months 909 GL93G0 23L/ 29195 0 0
6.
3 months to 6 months 316 162606 569 6130 0 0
6 months to 1 year 119 13953 102 K/H3 0 0
1 year and above 235 36144 91 69159 0 0
111
62 nd Annual Report

-X/02K4/023
[
%

L20L/023 Total amount
Sr. Total No. of
Types of Claims B
6 months – 1 of claims paid
No. 1 month 1 – 3 months 3 – 6 months 1 Year Claims paid
maturity year (` In Cr)
1. Maturity Claims MGK30GL LG32MMK 1130924 342952 G/39/ 33095 9719363 3H2MLK/
2. ,+ 2/3H3/02 2336547 1023270 492596 112040 23M0LK 17016691 31751.15
3. For Annuities /
2K9/H30L /KMKM3G 161434 97901 102004 230293 /2/2G3/G 75565.16
Pension
4. For Surrender (from
0 5121100 3090/ 0 0 0 5202002 51597.97

Q
5. B P

MLH3H/3 0 0 0 0 0 MLH3H/3 245.47

Q
1. Death Claims (from

0 965321 30037 13134 147 60 2003H99 2M/3LKL
date of intimation)

<L2#/023
[
Sr. For Annuities /

Claims Experience For Death For Maturity ,+ For Surrender B +
No., Pension
B\,

1. 3909 LM9/H3 3LK 90702 42 0
the period
Claims reported during the
2. 20293M3 10211460 17434670 G3330K9 5201960 MLH3H/3
period
Claims settled during the
3. 2003H99 9719363 17016691 G3K093K 5202002 MLH3H/3
period
Claims Repudiated during the
4. 5003 0 0 2526 0 0
period
Less than 2 years from the
a. 4904 0 0 2113 0 0
Greater than 2 year from the
b 99 0 0 413 0 0
5. A +' 9126 M0302H M23KKH 13 0 0
B\,"

929 433349 40 105255 0 0
period
Less than 3 months 515 353512 23 L093L 0 0
6.
3 months to 6 months 300 L3909 4 K3M9 0 0
6 months to 1 year 26 13226 12 K3L2 0 0
1 year and above 33 27702 6 G3G9/ 0 0
g) All pecuniary relationship or transactions of Non-executive Director
4 N P%4J< Q
Company, except the sitting fees paid to them for attending Board and Committee Meetings during the year.
h) Elements of remuneration package (including incentives) of MD & CEO and all other directors and Key Management
Persons
The details of remuneration to Chairman and MD are disclosed in Schedule 15A of Independent Auditors’ Report of the Annual
Report. (Page No 253)
i) Payment made to group entities from the Policyholders Funds
Details of payment made to group entities (related party disclosure) by the Company are included as a part of the Financial
Statement – Refer “Related party Disclosure” section of Schedule 15A.
j) Any other matters, which have material impact on the Financial Position
N -,
2. BOARD MEETINGS:
Board meetings as per regulations are generally held once in three months. During the year, Six Board Meetings were held. In
# + N #
policy holders and also ensures the interest of the policyholders and stakeholders.
112
112
62 nd Annual Report
As per section 19 of Life Insurance Corporation Act, 1956, Executive Committee and Investment Committee are formed by the
+ !; $ $ #/02H#
+ #! '
< # A !

-%2222/\02\/00K4 /0?/00K ;-,#$B- #
+ #"
, ; #! A
;

Technology (IT) Strategy Committee have also been formed.
3. CENTRAL MANAGEMENT COMMITTEE (CMC):
Meetings of the Central Management Committee are held every month to review the Corporation business, formulation and execution

O< (
;
BJ #
issues of the organization.
4. ZONAL ADVISORY BOARD (ZAB):
O+
O #
I
of the life insurance business within the territorial limits of the Zone and make recommendations thereon.
5. POLICYHOLDERS’ COUNCIL (PHC):
= (

' #B #
% + #
6. DIRECTION AS PER LIC ACT:
No directives were received from the Government of India as per Section 21 of Life Insurance Corporation Act, 1956 during the year.
7. AUDITORS:
A
$ # - ,
/023429

N>P 2MMQ
8. NOMINEE DIRECTORS:
The Corporation appoints Nominee Directors on the Boards of the Companies where it has substantial stake by way of Debt and/or
"% J

the Nominee Directors from time to time. Appointment of Nominee Directors is periodically reviewed. Nominee Directors provide
feedback with regard to operations, problems, prospects and corporate governance standards etc.
113
62 nd Annual Report
27. DIVERSIFIED ACTIVITIES
a) LIC Housing Finance Limited

& ( - & BJ < 9 ! BJ # /L +' BJ # /KL <'
BJ 2 , J ;a =
shares are listed on the Bombay Stock Exchange and the National Stock Exchange and its Global Depository Shares (GDS)
&N ,'"N =!,&:!" = -N ;
-, =!,&

Growth for the year 2018-19 CAGR – 5 years

B & L20L/029>` 1,94,646 Cr ®2H00g 2H00g

/023429>` 17,361.72 Cr ®2K00g 2L00g
%
/023429>` 2,430.97 Cr ®/200g 2G00g
Net worth as on 31.03.2019 ` 16,259.27 Cr
Dividend declared L30g
LIC HFL Care Homes Ltd.
&(-& ( & #
&( - & # 22th September,
2001. The Authorized Share Capital of the Company as on date is ` 75 Crore. The basic purpose of establishing the Company
:

; /023429# +
NP+Q
%!3G9K&'
NPQ
at INR 62.63 Lakh.
¢ + P 4: Q
20
¢ + G

and handing over to allottees. Further, the company has also purchased land parcels in Jaipur and Aluva admeasuring 5.5
LLG

¢
¢ # :
:

( ¢
places.
b) LIC Mutual Fund Asset Management Company Ltd.
&<-P ¨<-hQ /00M2939

Indian Trusts Act with LIC of India as the Sponsor, the LIC Mutual Fund Trustee Private Ltd. as the Trustee and LIC Mutual
Fund Asset Management Ltd as the Investment Manager to LIC Mutual Fund. The shareholders of LIC Mutual Fund Asset
< &
#&( - &#$( - &+'
As of 31st<#/029&<- /G ; /023429# <
sales of ` M#G3#HHH

L20L/029 L#M3#2GL
< P*<Q ` 2G#/M0

/023429' 23th
*<
A '
/2/ , #/G+BJ 20K, #&<- /00
locations spread over length and breadth of the country. LIC MF has one of the widest distribution networks comprising IFAs,
%; #A < #+' a +
LIC MF has an innovative product feature called “APPS” (Auto Premium Payment System) whereby the customers can invest
&
<-

I &<- ,#&<- 2st<-I "-
space with LIC MF GSEC Long Term ETF. The product allows retail investors to invest in GSECs with a very small ticket size
at a very competitive cost.
114
114
62 nd Annual Report
c) LIC Pension Fund Ltd.
& -& &

%
Pension System, regulated by the Pension Fund Regulatory and Development Authority (PFRDA) for the employees of Central
$P N;
, Q ¢
2st January, 2004. For State Govt. employees, this scheme
is applicable as and when it is adopted by the respective State Govt.
& -&

& -& $

% , $ ,
0/0M/003# , $ ,
/G0H/009
NPS Lite (Govt. pattern) since 04.10.2010, Corporate CG Scheme (which was bifurcated from Central Government Scheme
0M22/02/Q X¢PXQ
020H/02G/02L42M#& -&

" 4# 4#
$4 #4 #" 4# 4$ 4P 4, 4 4
Schemes withdrawals are permitted). In all, LIC Pension Fund Ltd. manages 12 Schemes under NPS.
; /023429#& -&

`15,510.47 Cr of funds under twelve schemes. The total
< P*<Q `K0#2L0/3 L2st</023 `9/#K29// L2L/029B

the above, `92#2999 $ , ` 1,519.32 Cr are managed under Private
Sector Schemes. The total income of LIC Pension Fund Ltd. increased to `22G2/023429
` 9.75 Cr in the previous
*<

` 2M0
/023429

& -& L2L/029 [
Government Pattern NAV Rate of Return since inception

(CAGR)
i) Central Government /KG9H3 9HKg
ii) State Government 24.6211 9HHg
iii) NPS Lite //3LG2 20/2g
iv) Corporate CG 232H0L 9KKg
Q X¢ 13.9554 920g
Private Sector NAV Rate of Return since inception

(CAGR)
Q" 4 19.3005 2//Gg
Q 4 2K2329 993g
Q$ 4 2323GG 2203g
Q" 4 16.1365 33Hg
Q 4 16.0562 3KKg
Q$ 4 23M/02 22MGg
vii) A Tier I 12.1243 32Lg
Provision under the current year Union Budget
N
` G0#000\4
30;P2Q
%,
addition to the earlier consolidated tax relief of ` 2#G0#000\4 30
%, #*< %, N

$
- P
3#: -< Q
for their incremental contributions to NPS w.e.f. 1.4.2019. This is expected to increase the competition among Pension Fund
< '¢
d) LIC Cards Services Ltd.
LIC Cards Services Ltd., (LIC CSL) was incorporated on 11th% /003
&

with the capital of `2 ¢
&" #<
&,& BJ ; GG
&

BJ #+ # #; #( #a'#<#&'20M
City Sales Managers and 14,591 Sales Representatives are engaged in providing Credit Card services to our customers.
115
62 nd Annual Report
N +'+'

4 \A
& &,&I

¨44h
variant which ensures maximum security to the Card holders. LIC Cards are Life Time Free and there is no Joining Fee, Annual Fee
! - & I
;
! % - ,

&
[
1) Free Accidental Insurance of ` 5 Lac (in Signature Card powered by Axis Bank), ` 3 Lac (in Platinum Card powered by
Axis Bank) and ` 2.5 Lac (in Platinum Card powered by Corporation Bank)
2) Attractive Reward Points on every spend of `200\4
3) Double Reward Points on all International Spends
4) Double Reward Points on payment of LIC premium without charging any convenience fee.
5) Airport Lounge facility on selected Airports for Signature Cardholders on payment of token amount of ` /\4P
Q
6) Interest Free Credit Period of 20 – 50 days
The Company has also entered into an Agreement with Axis Bank for issuing Gift Cards to the Employees, Agents, Subsidiaries,
Group Insurance Master Policyholders of LIC.
L20L/029#

/#GG#/K2
/#0H#H32 L20L/023;
/023429# M3#G90
had a target of `H3/
I
`3L9#

, # #
2/L0Hg

`2/L2KP Q 2L0LGg =
` 53.47 lac.
&,& & @ #( ,<@ '%
e) IDBI Bank
;++'&# '#I

I
' # # # #
# # <,<" '

4
:' +' I
4 4
<# a
'
#
+' 4
# +'

I ' ' N

at any time and any place to its customers.
;++'
:¢
4' I

+' #PQ;+<' :, &
P<,Q > +' ; PQ ;+ & P&Q > PQ ;+ <
& P<&Q>
;+<-PQ;+<- &
P<&Q4
;+<-PQ;+ , &P,&Q>
+' ¢ #;+- &
& P;+- Q#
with Federal Bank Ltd. and Ageas Insurance International (Ageas) for carrying out life insurance business.
?/029#&

P&Q ¢ ' ;++', # !
+'
P!+Q 4 +' , +'=
'
&;++' 4

their shareholders, customers and employees through mutual synergies which has created one window for availing banking
and insurance services.
+'= BJ <
22 H0 <L2#/029#
+' 239/ # M * P* Q# KG ! P! Q
total branch network of the Bank also includes one overseas branch in Dubai International Financial Centre (DIFC) and one
+'*P+*Q$¢ - 4P$-Q +' /2

# +' L#K00< G3 4
As on March 31, 2019, IDBI Bank’s (Standalone) balance sheet size was at ` L#/0#/3M

` LK#M2H/ +'= ' [
116
116
62 nd Annual Report
Business Highlights
As on March 31, 2019 (` In Cr)
Deposits 2,27,372
- CASA Deposits 96,730
- ,, PgQ M/GMg
Advances (Gross) 2#3/#09K
- Corporate 33#9/3
- Retail 93,170
- [! PgQ M9[G2
_
2018-19 (` In Cr)
For the period
Total Income 25,372
- Interest Income 22,071
- B 3,300
Total Expenses (other than provisions) 21319
- Interest Expenses 16,166
- B "N 5,154
Net Interest Income 5,906
B 4,052
: 29#2H3
\P& Q
N (15,116)
Capital Ratios
As on March 31, 2019
CRAR 11.58%
Tier 1 Ratio 9.13%
117
62 nd Annual Report
28. ACKNOWLEDGEMENT
&

N ' (=
J # (= * - < # (= * <
,
- P"N # +' Q#
;
<
- #;
"I ! ;

# 4
The Life Insurance Corporation of India thanks its Board Members, Executive Committee, Investment Committee, Building Advisory
Committee, Audit Committee, Policyholder Protection Committee, Risk Management Committee, Election of Shareholder Director
# A
;
#A #
, !
Committee for their valuable direction and guidance.
The Life Insurance Corporation of India appreciates the contribution and expresses sincere thanks also to those Board Members
-X/023429
&

#
continued patronage to the Corporation.
&

N " #BJ .
118
118
62 nd Annual Report
SUMMARISED RESULTS
NEW BUSINESS for the year 2018-2019 2017-2018
INDIVIDUAL ASSURANCE
Sum Assured/ NCO/ MSB (` in Cr) (` in Cr)
a) Assurances GG023KK2 GL/39KM3
b) 6990.76 0.00
c) 449.16 562.10
d) %&' ( 24563.17 14959.65
e) Linked 290.00 796.45
No. of Policies (in lakh)
a) Assurances /0320 207.27
b) Annuities 3.30 3.64
c) Pension 0.09 0.11
d) %&' ( 2.62 2.00
e) Linked 0.07 0.24
GROUP SCHEMES:
Sum Assured (incl Linked Business) M9903GHL H3LH02M0
Annuities in Payment K093M K39L3

M/03LG3 47421.94
No. of Schemes:
Group Insurance(incl Linked Business) 29111 26357
Social Security Group Schemes 23 39/
Group Superannuation 217 229
No. of lives (in lakh)
Group Insurance (incl Linked Business) 376.74 227.99
Social Security Group Schemes 179.61 373.16
Group Superannuation 6.66 4.27
BUSINESS IN FORCE

INDIVIDUAL INSURANCE
, :+ \\<,+
a) Assurances 5309500.67 M93GK0HGG
b) 5206.99 4046.96
c) /0K32/ /0LHM3
d) %&' ( 39445.24 ////M93
e) Linked M003/LG M/3/L00
No. of Policies (in lakh)
a) Assurances /3//ML /3/LG/
b) Annuities 23/2 15.04
c) Pension 15.42 15.65
d) %&' ( 5.71 4.62
e) Linked 47.93 53.92
GROUP SCHEMES:
Sum Assured (incl. Linked Business) 2014919.30 2H390333/
Annuities in Payment K23L93 6053.71

299940.45 276649.71
No. of schemes:
Group Insurance (incl. Linked Business) 139642 2L302L
Group Superannuation 23426 //9L3
No of lives (in lakhs)
Group Insurance (incl. Linked Business) 1071.16 1091.95
Group Superannuation 39HM 3HHL
%B4% B#4 #<,+4<¢,+
%B@ @ <¢,+

119
62 nd Annual Report
Analysis of Income
( ` in Cr)
237563
Individual Assurance 227023
K03
Individual Pension Schemes
759
9322M
Group Schemes 39292
302
Linked Business Premium
3KK
221574
Income from Investments /03K/3
3M2
Miscellaneous 302
Variation due to change in Fair Value 223M

of linked Business(unit fund) 4LKH9
4/0000 0 20000 40000 60000 30000 100000 120000 140000 160000 230000 200000 220000 240000 260000
/023429 /02K423
SUMMARISED RESULTS (Contd.)

2018-19 2017-18
INCOME
(` in Cr) (` in Cr)
Individual Assurance
First Year Premium /HG3K0/ /G093LK
Percentage Increase over Previous Year 5.93 2L23
Renewal Premium 23HG0G0K 175269.54
, :
$ 24470.47 26655.09
Individual Pension Schemes
First Year Premium 22.15 /933
Renewal Premium 676.66 712.71
Consideration for Annuities Granted 39/ 16.60
Group Schemes
Group Insurance Premium 42215.62 L2020/3
Group Superannuation Premium GG393K0 G3232MH
LINKED BUSINESS PREMIUM 300K9 3KK0H
Total Premium Income 337185.40 317850.99
Percentage Increase over Previous Year H03 G33
Income from Investments (including capital gain) 221573.72 /03K/K9K
Miscellaneous 3M2/H 3022L
Total Income 559600.38 G/KL3009
Variation due to change in Fair Value of linked Business(unit fund) 223M02 4LKH393
Net Total Income 560784.39 523611.11

120
120
62 nd Annual Report
Policy Payments
` in crore (1 crore = 10 million)
180000
160000 152886
140000 88390
122643
2018-2019
120000
2017-2018
100000
80000 70011
70011
60000 52326
40000
17125 14386
17125
20000 10914
10914 8764
0
Maturity Death Annuities Surrenders
Management Expenses
` in crore (1 crore = 10 million)
25000
21082
19872 2018-2019
20000 19311
18227 2017-2018
14853
15000 14015
10000 9310 9060
5000
2661 2422
0
Commission etc. to Salary and other Benefits Other Expenses of Other Outgo (Taxes, 5% of Valuation Surplus
Agents to Employees Management Transfers to paid to the Central
Reserves,etc.) Government

Outgo 2018-2019 2017-2018
(` in Cr) (` in Cr)
Payments to Policy-holders
Claims by Maturity 2G/33G33 122643.30
Claims by Death 2K2/M33 2ML3GH0
Annuities 10914.30 3KHMMH
Surrenders, etc. 70011.17 52326.47
Total Amount 250936.23 198119.83
121
62 nd Annual Report

2018-19 2017-18
Expenses of Management
(` in Cr) (` in Cr)
Commission etc. to Agents 19311.19 23//H3/
, + " 293K239 /20329K
B "N
< 9310.13 9060.42
Total 48493.21 48369.21
Other Outgo
B BPN #
# Q 2M3GL/G 14015.19
Gg
@, $ 2660.60 /M/23/
Total 17513.85 16437.01
Total Outgo 316943.29 262926.05

2018-19 2017-18
Policy Liabilities
(` in Cr) (` in Cr)
Non Linked Business
Policy Liabilities at the beginning of the year 2533564.65 //HL/392/
["N
B /GL2MKM3 270275.53
Policy liability at the end of the year 2786712.13 2533564.65
Percentage Increase over the previous year 999g 229Mg
Linked Business
Policy Liabilities at the beginning of the year 50920.27 60512.33
[ 49L2//3 49G9/0H
Policy liability at the end of the year 41607.99 50920.27
Percentage Increase over the previous year 423/9g 42G3Gg
2018-19 2017-18
Outstanding Claims at the end of the year
(` in Cr) (` in Cr)
Maturity 4291.57 3141.64
Death 143.40 95.91
Total 4434.97 3237.55
Ratio of Expenses of Management To Total Premium Income
Commission etc. to Agents GKLg GKMg
, " G39g HHLg
B "N
< /KHg /3Gg
B "N ! 2ML3g 2G/2g
Ratio of Outstanding Claims To Claims payable 2.61 2.36

Rate of Interest realised on Mean Life Insurance Fund KG9g KK2g
122
122
62 nd Annual Report
New Business Figure 2016-17 to 2018-19

Policies
(in crore)
2.5
2.14
2.13
2.01
1.5
2016-2017 2017-2018 2018-2019
Sum Assured/NCO Annual Premium Receivable

(` in crore) (` in crore)
582482 29056
549216
600000 477019 30000 27837
550000
500000 24747
450000
400000 25000
350000
300000
250000
200000 20000
150000
100000
50000
0 15000
2016-2017 2017-2018 2018-2019 2016-2017 2017-2018 2018-2019
Table No. 1 A NEW BUSINESS (INDIVIDUAL)

NEW BUSINESS IN INDIA NEW BUSINESS OUT OF INDIA TOTAL NEW BUSINESS
Sum Annual Sum Annual Sum Annual

No. of Assured/ Premium No. of Assured/ Premium No. of Assured/ Premium
Year
Policies NCO Receivable Policies NCO Receivable Policies NCO Receivable
(` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.)
/02H4/02K 19603332 472122.09 24532.43 2MLK3 3/G0/ M223 19617710 472947.11 24573.60
/02K4/023 20711779 531992.11 /KGK9K3 15376 905.37 47.11 20727155 GL/39KM3 27626.90
/0234/029 20795524 549210.97 /33L/GM 14472 976.74 47.55 /030999H GG023KK2 /333009
General Annuity
/02H4/02K LM3/G2 0.00 0.00 4 4 4 LM3/G2 0.00 0.00
/02K4/023 363756 0.00 0.00 4 4 4 363756 0.00 0.00
/0234/029 330260 6990.76 0.00 4 4 4 330260 6,990.76 0.00
Pension
/02H4/02K 2K/G3 3HKKL 93.07 4 4 4 2K/G3 3HKKL 93.07
/02K4/023 10635 562.10 29.95 4 4 4 10635 562.10 29.95
/0234/029 33M9 449.16 24.31 4 4 4 33M9 449.16 24.31
123
62 nd Annual Report
Table No. 1 A NEW BUSINESS (Contd.)

NEW BUSINESS IN INDIA NEW BUSINESS OUT OF INDIA TOTAL NEW BUSINESS
Sum Annual Sum Annual Sum Annual

No. of Assured/ Premium No. of Assured/ Premium No. of Assured/ Premium
Year
Policies NCO Receivable Policies NCO Receivable Policies NCO Receivable
(` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.) (` in cr.)
Non Linked Health Jeevan Arogya*
/02H4/02K 129943 3013.26 61.03 4 4 4 129943 3013.26 61.03
/02K4/023 200214 14959.65 100.43 4 4 4 200214 14959.65 100.43
/0234/029 /H/M93 24563.17 2//H3 4 4 4 /H/M93 24563.17 2//H3
Unit Linked New Endowment plus
/02H4/02K 4459 190.13 19.01 4 4 4 4459 190.13 19.01
/02K4/023 24316 795.03 79.50 4 4 4 24316 795.03 79.50
/0234/029 6774 /3K9L /3K9 4 4 4 6774 /3K9L /3K9
UK - Linked
/02H4/02K 4 4 4 7 1.05 0.10 7 1.05 0.10
/02K4/023 4 4 4 10 1.41 0.00 10 1.41 0.00
/0234/029 4 4 4 10 2.97 0.00 10 2.97 0.00

? #( ( , <¢,+ P<,+Q
124
124
62 nd Annual Report
New Business Group Insurance (inclusive of Social Security)

Number of
Number of schemes
Schemes
30500
30000
29134
29500
29000
28013
28500
28000
27249
27500
27000
26500
26000
2016-2017 2017-2018 2018-2019
Number of
Number of Members
Members Sum Assured / Annuity Per Annum,
(in Lakh)
Sum Assured /(Ànnuity
in Crore)
Per Annum,
(in lakh) ( ` in Cr)
601
620 683601
800000
600 700000
556 600000 499086

580
500000
560 528
400000
540 195318
300000
520 200000
500 100000
0
480
2016-2017 2017-2018 2018-2019
2016-2017 2017-2018 2018-2019
NEW BUSINESS (GROUP)

Table No. 1 B
Sum Assured / Consideration
No. of Schemes No. of members
Year Annuity per annum for Annuities
(in lakh) (` in Cr) (` in Cr)
Group Insurance (incl. Social Security)
/02H4/02K /302L 527.99 29GL23/K 0.00
/02K4/023 27249 601.15 H3LH02M0 0.00
/0234/029 29134 556.34 M9903GHL 0.00
Group Superannuation
/02H4/02K 245 3.75 721.09 MHGMG3K
/02K4/023 229 4.27 K39L3 47421.94
/0234/029 217 6.66 K093M M/03LG3
125
62 nd Annual Report
STATE WISE SOCIAL SECURITY COVERAGE AND CLAIMS F.Y. 2018-19

TABLE No. 2 State wise Various SSS Claim Payment
Converged
Erstwhile
NB Lives SSGS PMJJBY &
SSS Renewal AABY
(Converged Total AABY Total Claim
Name of the State (Converged
PMJJBY+ Coverage Amount (In Cr)
PMJJBY & AABY)
Converged AABY) No. No. No.
1 2 3 4 5 6 7
:%,&%; 0 0 0 0 0 0 0.00
%;(!!;",( G9H30K ///3/2HM //3K39K2 0 2251 104941 1455.92
!*%(&!;",( 3695 0 3695 0 0 0 0.00
ASSAM 30H9K 13609 94306 0 450 0 2.62
+(! 1219943 66966 2/3H909 0 399 MM3 10.19
(%;$!( 0 0 0 0 264 7 1.04
((,$!( KK3LLG 727764 1506099 M3/ L39L 43 13.75
;;!:%(@"& 0 0 0 0 0 0 0.00
;<%:;* 0 0 0 0 0 0 0.00
;"&( 0 0 0 0 71 0 0.40
$B 0 0 0 0 4 0 0.02
$*?! 0 0 0 0 2H3 0 0.73
(!X% 0 0 0 0 5 0 0.02
(<(&!;",( 2L3ML 0 2L3ML 0 1 1 0.02
?:a 20753 0 20753 0 166 0 0.97
?(!a(%; G/GH39 K903 533597 0 66 3 0.27
a!%a 2416272 0 2416272 0 3552 M3 12.72
a"!& L2/2M3 /9GM3/ 607630 0 473 290 GL3
&a,(;A"" 0 0 0 0 0 0 0.00
<;(X!;",( 0 0 0 23M/ 3392 0 13.47
<(!,(! 0 0 0 0 4669 0 15.54
<%*! 0 0 0 0 0 0 0.00
<"$(&X 0 0 0 0 0 0 0.00
<OB!< 0 0 0 0 0 0 0.00
NAGALAND 1209 0 1209 0 0 0 0.00
B!,, 20M3L0H 260004 2L03L20 0 23HL 0 5.96
*;*("!!X 0 0 0 0 0 0 0.00
*%?+ 0 0 0 0 2 0 0.02
!?,(% 104490 326595 ML203G 0 423 152 4.11
,aa< 0 0 0 0 22 0 0.12
<&%;* 23//M 0 23//M 0 957 240 6.13
TELANGANA 0 0 0 0 0 0 0.00
!*! 0 0 0 0 2 0 0.01
* 2504254 G9L2G3 3097412 0 1113 1 3.66
*!%(& 0 0 0 0 26 0 0.09
A",+"%$& 0 0 0 0 23 0 0.07
B& 9644665 24573650 34218315 2,324 24255 106174 1553.22
Central Ministry Schemes 316750 2275320 2592070 0 0 312 MK3
PMJDY Claims 3000000 0 0 0 0 666 2.00
B& 17961415 26848970 44810385 2324 24255 107152 1559.99
Total Number of Claim (4+5+6) 133731
Claim Amount paid
Q" +X# +X<?;X^` L0#000\4
Q <??+X^` /#00#000\4
Q,,$,4
126
126
62 nd Annual Report
Total Business of Individual Assurance in force
Number of policies in force

(in Crore)
28.08 28.24 28.22

30
25
20
15
10
2016-17 2017-18 2018-19
Sum Assured / APA Annual Premium Receivable

( ` in Crore) ( ` in Crore)
Table No. 3 A IN FORCE BUSINESS (INDIVIDUAL)

BUSINESS IN - FORCE IN INDIA BUSINESS IN - FORCE OUT OF INDIA TOTAL BUSINESS IN - FORCE
Year No. of Sum Assured/ Annual No. of Sum Assured/ Annual No. of Sum Assured/ Annual
Policies APA Premium Policies APA Premium Policies APA Premium
(` in cr.) Receivable (` in cr.) Receivable (` in cr.) Receivable
(` in cr.) (` in cr.) (` in cr.)
/02H4/02K /30HG20MH 3965294.32 23K2KL2L 104063 G0L3/G 250.56 /30KGG209 3970332.57 23KM/LH9
/02K4/023 /3//MGLL0 4250255.66 293MKMLL 106223 5267.45 /H3H3 /3/LG2GGL 4255523.11 293KML02
/0234/029 /3/2LK22/ MG0L3H232 211259.75 106225 5796.42 /33/G /3//MLLLK MG09HG3// /22GM300
General Annuity
/02H4/02K 22MG390 2743.04 12.54 1 0.00 0.00 22MG392 2743.04 12.54
/02K4/023 1504249 4046.96 10.57 1 0.00 0.00 1504250 4046.96 10.57
/0234/029 23/0922 5206.99 9.31 1 0.00 0.00 23/092/ 5206.99 9.31
Pension
/02H4/02K 2G33MM9 239KK9 3HH9L 171 1.47 0.12 2G33H/0 2399/H 3HK0M
/02K4/023 1564651 2034.92 770.43 171 1.56 0.12 2GHM3// /0LHM3 770.56
/0234/029 1541649 2076.60 K/0G3 171 1.52 0.11 2GM23/0 /0K32/ 720.69
Non Linked Health Jeevan Arogya*
/02H4/02K L39/L0 993902 /0H03 4 4 4 L39/L0 993902 /0H03
/02K4/023 MH23MG ////M93 251.03 4 4 4 MH23MG ////M93 251.03
/0234/029 570669 39445.24 305.63 4 4 4 570669 39445.24 305.63
Unit Linked - Future Plus
/02H4/02K 92231 51.26 11.36 4 4 4 92231 51.26 11.36
/02K4/023 KH3/0 46.03 10.10 4 4 4 KH3/0 46.03 10.10
/0234/029 66562 42.05 9.13 4 4 4 66562 42.05 9.13
Jeevan Plus
/02H4/02K 3/2GG 1521.36 156.17 4 4 4 3/2GG 1521.36 156.17
/02K4/023 74740 1402.79 153.01 4 4 4 74740 1402.79 153.01
/0234/029 69347 2L0HG3 151.12 4 4 4 69347 2L0HG3 151.12
127
62 nd Annual Report
Table No. 3 A IN FORCE BUSINESS (INDIVIDUAL)

BUSINESS IN - FORCE IN INDIA BUSINESS IN - FORCE OUT OF INDIA TOTAL BUSINESS IN - FORCE
Year No. of Sum Assured/ Annual No. of Sum Assured/ Annual No. of Sum Assured/ Annual
Policies APA Premium Policies APA Premium Policies APA Premium
(` in cr.) Receivable (` in cr.) Receivable (` in cr.) Receivable
(` in cr.) (` in cr.) (` in cr.)
Money Plus
/02H4/02K /HMH3M /HGL23 214.55 4 4 4 /HMH3M /HGL23 214.55
/02K4/023 199991 /2LG3K 2H3MM 4 4 4 199991 /2LG3K 2H3MM
/0234/029 2K393H 1912.11 152.50 4 4 4 2K393H 1912.11 152.50
Market Plus
/02H4/02K 9H932H 216.19 3GG0 4 4 4 9H932H 216.19 3GG0
/02K4/023 GGLG32 167.94 60.61 4 4 4 GGLG32 167.94 60.61
/0234/029 M3L3MK 147.75 56.22 4 4 4 M3L3MK 147.75 56.22
Fortune Plus
/02H4/02K L/KM3 724.36 0.00 4 4 4 L/KM3 724.36 0.00
/02K4/023 20140 507.69 0.00 4 4 4 20140 507.69 0.00
/0234/029 13992 391.12 0.00 4 4 4 13992 391.12 0.00
"
/02H4/02K 391457 4139.30 0.00 4 4 4 391457 4139.30 0.00
/02K4/023 /3H9GL 3225.43 0.00 4 4 4 /3H9GL 3225.43 0.00
/0234/029 232597 2735.65 0.00 4 4 4 232597 2735.65 0.00
Money Plus-1
/02H4/02K 31767 321.29 31.54 4 4 4 31767 321.29 31.54
/02K4/023 26212 /HM3/ 27.19 4 4 4 26212 /HM3/ 27.19
/0234/029 23G93 /00H3 /03G 4 4 4 23G93 /00H3 /03G
Child Fortune Plus
/02H4/02K 23LG2 370.25 19.45 4 4 4 23LG2 370.25 19.45
/02K4/023 16537 336.75 2KH3 4 4 4 16537 336.75 2KH3
/0234/029 15250 L2/M3 16.22 4 4 4 15250 L2/M3 16.22
Market Plus-1
/02H4/02K 1507639 312.23 159.90 4 4 4 1507639 312.23 159.90
/02K4/023 1249746 /HK23 134.52 4 4 4 1249746 /HK23 134.52
/0234/029 992099 224.57 113.20 4 4 4 992099 224.57 113.20
Health Plus *
/02H4/02K 9H3G0 L93G// 930L 4 4 4 9H3G0 L93G// 930L
/02K4/023 33LG0 3653.43 3999 4 4 4 33LG0 3653.43 3999
/0234/029 79747 3320.53 3202 4 4 4 79747 3320.53 3202
Health Protection Plus *
/02H4/02K 93LMG 3909.43 M3/0 4 4 4 93LMG 3909.43 M3/0
/02K4/023 95695 L32/3/ 49.42 4 4 4 95695 L32/3/ 49.42
/0234/029 93020 3716.49 44.62 4 4 4 93020 3716.49 44.62
Jeevan Sathi Plus
/02H4/02K 3115 45.55 3.26 4 4 4 3115 45.55 3.26
/02K4/023 /30L 41.35 2.97 4 4 4 /30L 41.35 2.97
/0234/029 2577 37.51 2.72 4 4 4 2577 37.51 2.72
Wealth Plus
/02H4/02K 1394932 14963.47 0.00 4 4 4 1394932 14963.47 0.00
/02K4/023 1299666 2L9/M23 0.00 4 4 4 1299666 2L9/M23 0.00
/0234/029 1291930 2L3M/20 0.00 4 4 4 1291930 2L3M/20 0.00
Endowment Plus
/02H4/02K 3L3HK2 7396.66 2G3LG 4 4 4 3L3HK2 7396.66 2G3LG
/02K4/023 HHM9G3 G3G99K 126.97 4 4 4 HHM9G3 G3G99K 126.97
/0234/029 G30H09 G03HK2 109.56 4 4 4 G30H09 G03HK2 109.56
Pension Plus
/02H4/02K 79541 0.00 3G20 4 4 4 79541 0.00 3G20
/02K4/023 H3K0M 0.00 KG3G 4 4 4 H3K0M 0.00 KG3G
/0234/029 62925 0.00 70.90 4 4 4 62925 0.00 70.90
Samridhi Plus
/02H4/02K 723724 HK232G 51.94 4 4 4 723724 HK232G 51.94
/02K4/023 H/HM3H GK3232 39.73 4 4 4 H/HM3H GK3232 39.73
/0234/029 566451 5213.35 32.76 4 4 4 566451 5213.35 32.76
Flexi Plus
/02H4/02K 1541 35.51 3.55 4 4 4 1541 35.51 3.55
/02K4/023 2/3/ 29.90 2.99 4 4 4 2/3/ 29.90 2.99
/0234/029 1005 23.13 2.31 4 4 4 1005 23.13 2.31
New Endowment Plus
/02H4/02K 2GG/3 546.63 54.66 4 4 4 2GG/3 546.63 54.66
/02K4/023 39155 1315.25 131.52 4 4 4 39155 1315.25 131.52
/0234/029 43314 2G2GH3 151.56 4 4 4 43314 2G2GH3 151.56
UK - Linked
/02H4/02K 4 4 4 339 59.96 5.03 339 59.96 5.03
/02K4/023 4 4 4 313 M930 4.59 313 M930 4.59
/0234/029 4 4 4 300 54.25 M3H 300 54.25 M3H

? #( ( , <¢,+ P<,+Q
128
128
62 nd Annual Report
BUSINESS IN FORCE (GROUP)

Premium NCO/APA/SA (` in Cr)
(` in Cr)
Group Schemes
Group Schemes Members
1209
160518 160951 163068 1179
180000 1146
1300
170000
1200
160000
150000 1100
140000 1000
130000
900
120000
110000 800
100000 700
90000
600
80000
70000
500
60000 400
50000
300
40000
200
30000
20000 100
10000 0
2016-2017 2017-2018 2018-2019 2016-2017 2017-2018 2018-2019
BUSINESS IN FORCE (GROUP)

Table No. 3 B
Year No. of No. of Sum Assured/ Consideration Premium
Schemes members NCO/ Annuites for Annuities * Income
(in lakh) PA (` in Cr) (` in Cr)
(` in Cr)
Group Insurance (incl. Social Security)
/02H4/02K 2L30HH 1072.44 1107354.19 0 /329//G
/02K4/023 2LK9K3 1091.55 2H33KL20L 0 L2020/3
/0234/029 139610 20K03H 2014670.17 0 42290.60
Group Superannuation
/02H4/02K 22413 72.91 G/HKM3 231563.41 GKK33L9
/02K4/023 //9L3 3HHL 6053.71 276649.71 G3232MH
/0234/029 23426 39HM K23L93 299940.45 GG393K0
Linked Business G Plus
/02H4/02K 39 0.39 305.59 0 2230
/02K4/023 35 0.39 357.79 0 11.79
/0234/029 32 0.31 249.13 0 9.60
129
Table N0. 4 Form DD
130
STATUTORY STATEMENTS REGARDING POLICIES
New life insurance business in respect of which a premium has been paid Total life insurance business in force at the end of the year 31.3.2018
during the year 2017-2018
Number Sum insured Consideration Single Yearly Number of Sum insured Consideration Premium income
of and annuities for Annuities Premiums Renewal Policies with Bonuses for Annuities for which credit has
policies per annum Premium and Annuities been taken in the
per annum Revenue Account
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Ordinary Policies **
In India 20795524 5492109737679 4 K399M39GGKK /33L/GM/H/2L /3/2LK22/ GL0/32039K/GH2 4 2206317622590
B
14472 9767403167 4 3G93L/L9M MKGM33/LM 106225 HH39KKG90K3 4 3702690252
Total /030999H GG023KK2M03MH 4 K93GMK/K9K2 /3330092MMMK /3//MLLLK 53095006731639 4 //200/0L2/3M/
Annuty Contracts etc :
In India 330260 69907556233 4 2HM3G00/00/M 4 23/0922 52069940066 4 164945039214
B
4 4 4 4 4 1 /K03 4 4
Total 330260 69907556233 4 2HM3G00/00/M 4 23/092/ 52069942774 4 164945039214
Non Linked Health #
In India /H/M93 245631700000 4 1226792754 570669 394452350000 4 /9K3LH20H0
Total /H/M93 245631700000 4 1226792754 570669 394452350000 4 /9K3LH20H0
Unit Linked Plans - Bima Plus
In India 4 4 4 4 4 4 4 4
Total 4 4 4 4 4 4 4 4
Linked Plan - Future Plus
In India 4 4 4 4 66562 420511360 4 59494000
Total 4 4 4 4 66562 420511360 4 59494000
Linked Plan - Jeevan Plus
In India 4 4 4 4 69347 2L0HG300000 4 L/3H/K9K/
Total 4 4 4 4 69347 2L0HG300000 4 L/3H/K9K/
Linked Plan - Money Plus
In India 4 4 4 4 2K393H 19121101250 4 2G3G/K2/90
Total 4 4 4 4 2K393H 19121101250 4 2G3G/K2/90
Linked Plan - Market Plus
In India 4 4 4 4 M3L3MK 1477495000 4 LK3GG9K3L
Total 4 4 4 4 M3L3MK 1477495000 4 LK3GG9K3L
Linked Plan - Fortune Plus
In India 4 4 4 4 13992 3911200000 4 4
Total 4 4 4 4 13992 3911200000 4 4
`
" {"
In India 4 4 4 4 232597 27356490000 4 4
Total 4 4 4 4 232597 27356490000 4 4
Linked Plan - Money Plus 1
In India 4 4 4 4 23G93 /00/3/0000 4 /LK0M3KM0
Total 4 4 4 4 23G93 /00/3/0000 4 /LK0M3KM0
Linked Plan - Child Fortune Plus
In India 4 4 4 4 15250 L2/M30G000 4 175631744
130
Total 4 4 4 4 15250 L2/M30G000 4 175631744
Linked Plan - Market Plus 1
In India 4 4 4 4 992099 2245743000 4 2/H/KMHM3M
Total 4 4 4 4 992099 2245743000 4 2/H/KMHM3M
62 nd Annual Report
STATUTORY STATEMENTS REGARDING POLICIES
New life insurance business in respect of which a premium has been paid Total life insurance business in force at the end of the year 31.3.2018
during the year 2017-2018
Number Sum insured Consideration Single Premiums Yearly Number of Sum insured Consideration Premium income
of and annuities for Annuities Renewal Policies with Bonuses for Annuities for which credit has
policies per annum Premium and Annuities been taken in the
per annum Revenue Account
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Linked Plan Flexi Plus
In India 4 4 4 1005 231310000 4 23MKLM02
Total 1005 231310000 4 23MKLM02
62 nd Annual Report
Linked Plan - Health Plus # 4 4 4

In India 4 4 4 79747 33205270000 4 3/MKMLGG3
Total 4 4 4 4 79747 33205270000 4 3/MKMLGG3
Linked Plan - Health Protection
In India 4 4 4 93020 LK2HM39M000 4 449077556
Total 4 4 4 93020 LK2HM39M000 4 449077556
Linked Plan -Jeevan Sathi Plus
In India 4 4 4 2577 375145000 4 29630500
Total 4 4 4 2577 375145000 4 29630500
Linked Plan -Wealth Plus
In India 4 4 4 1291930 2L3M/09GL000 4 265000
Total 4 4 4 1291930 2L3M/09GL000 4 265000
Linked - Endowment Plus
In India 4 4 4 G30H09 G03HK22G000 4 3099KKM9G
Total 4 4 4 G30H09 G03HK22G000 4 3099KKM9G
Linked - Pension Plus
In India 4 4 4 62925 4 4 GH3M203/0
Total 4 4 4 62925 4 4 GH3M203/0
Linked - Samridhi Plus
In India 4 4 4 566451 52133495000 4 23G/KG/
Total - - 4 566451 52133495000 4 23G/KG/
Linked - New Endowment Plus
In India 6774 /3K9/30000 /3K9/3000 43314 2G2GHK30000 4 2/LH9023LM
Total 6774 /3K9/30000 /3K9/3000 43314 2G2GHK30000 4 2/LH9023LM
UK - Linked
B
10 29673549 4 33359469 4 300 GM/GM3HHL 4 K//L30KH
Total 10 29673549 4 33359469 - 300 GM/GM3HHL 4 K//L30KH
Pension
In India 33M9 4 39/232KK /ML03L/99 1541649 20766039901 4 K0K393/MGL
B
4 4 4 4 4 171 15155690 4
Total 33M9 4 4 39/232KK /ML03L/99 2GM23/0 /0K3229GG92 4 K0K393/MGL
Group Insurance Policies (incl.
29134 M9903GHLMG22H2M 4 LGGGG/K23H32 43415370127 139610 /02MHK02H30L2G M/03LGKH2K2K M//90H0M/30L
social security
Total 29134 M9903GHLMG22H2M 4 LGGGG/K23H32 43415370127 139610 /02MHK02H30L2G M/03LGKH2K2K M//90H0M/30L
Group Annuity Contracts etc. 217 K093LG2HH000 M/03LGKH2K2K G09K2KL32L3L //G3L0H93M2 23426 K23L9KK90HG 2999404530525 GG393K0009KH
Total 217 K093LG2HH000 M/03LGKH2K2K G09K2KL32L3L //G3L0H93M2 23426 K23L9KK90HG 2999404530525 GG393K0009KH
Linked Business (G+) 4 4 32 /M92L0MG3M 4 9H0/033K
Total 4 4 32 /M92L0MG3M 4 9H0/033K
B
% B°` 4491635000

? #( ( , <¢,+ P<,+Q
131
62 nd Annual Report
Life Fund
(` in crore )
2828320
3000000
2584485
2700000
2323801
2400000
2100000
1800000
1500000
1200000
900000
2016-2017 2017-2018 2018-2019
5% Share (Life Business) paid to Central Government

(` in crore )
2661
2700 2422
2200
2400
2100
1800
1500
1200
900
2016-2017 2017-2018 2018-2019
LIFE FUND, TOTAL SURPLUS, SHARE OF SURPLUS TO GOVT. AND TAXES PAID
Table No. 5
(` in Cr)
Valuation 5% Share paid to 100% Share paid Taxes (incld. S.T.)Paid
Surplus
Year Life Fund Surplus Central Govt. to Central Govt. to Government
Retained
(Life) Life Business CRAC Business (Life)
/02H4/02K /L/L302MG 44006.67 4 2200.33 6.37 9427.46
/02K4/023 /G3MM3M9/ M3MLHMG 4 /M/23/ 3LK 10674.11
/0234/029 /3/3L/02/ 53211.91 4 2660.60 2.50 10923.19

Z
132
132
62 nd Annual Report
Total Investments: 2018-19
Securities
/3L/2/39G
P9M90gQ
Loan
117352.93 Cr B
PL9LgQ LM3M9LK
P22KgQ
Loan Securities Other Investments
INVESTMENTS AS AT 31ST MARCH 2019

Table No. 6 31.03.2019
(` in Cr)
Investment in India
& 22K2H3GH
II Securities, etc. /3/3MLL3G
III Money market investments LM3//0L
TOTAL (in India) 2980424.44
Investment out of India
I Loan 23MLK
II Securities, etc. 3695.10
III Money market investments 27.34
TOTAL (Outside India) 3906.81
TOTAL 2984331.25
& :< &
133
62 nd Annual Report
Investment Infrastructure and

Social Sector 2018-2019
Power
4534.21 Cr
P//02gQ
B

9712.72 Cr
PMK2HgQ
Total Investments
` 20596.93 Cr
(
6350.00 Cr
PL03LgQ
INVESTMENTS DURING THE YEAR IN LOANS/DEBENTURES/

EQUITY IN VARIOUS ENTITIES FOR INFRASTRUCTURE & SOCIAL PURPOSE
Table No. 7
Amount Advanced
Sector during 2018-2019
(` in Cr)
1. Power 4534.21
/(
PQ& , $
( ,
PQ& N4 ( - , :
PQ; #+ ( - 6350.00
L\A ,\, , 0.00
M!: \,! 8578.82
GB
1133.90
TOTAL 20596.93
134
134
62 nd Annual Report
APPENDIX -1
SENIOR EXECUTIVES OF THE CORPORATION AS ON 31.03.2019
Shri Kumar M R Shri Chawla G S
Chairman ";P\,;Q#B#<
Shri Bhargava Hemant Smt Ratnam Nalini M
Managing Director ";P%+:!Q#B#<
Shri Venugopal B Shri Pangtey Dinesh K
Managing Director "BP(<Q#B#<
Smt. Sharma Sunita Shri Mohanty D P
Managing Director
";P*;Q#B#<
Shri Suseel Kumar T C
Shri Singh S C
Managing Director

"N P(-,&Q#B#<
Shri Kandwal Rajesh
Shri Jain P K

"N P Q#B#<
";P%@!Q#B#<
Shri Sah V
Shri Molri P K

"N P(-&Q#B#<
";P%@BQ#B#<
Shri Srivastava S
";P Q#B#< Shri Kumar Rakesh
Kum Dikhale S S ";P<+Q#B#<
";P<'\ Q#B#< Shri Nair Rajivan K
Shri Ganesh K ";P&Q#B#<
";P!<Q#B#< Smt Jain Renu
Shri Anand Vipin Director, ZTC, Jamshedpur
O<P\Q#OB#< Smt Jayshree A S
Shri Chawla N P ";P& Q#B#;

"N PQ#B#; Shri Sinha N P
Shri Sathya Kumar V O<P\Q#OB#a
Director, MDC, Mumbai Shri Mendiratta T R
Shri Sudarsan R ";P<%,Q#B#<
";P%,Q#B#< Shri Verma M M L
Shri Gupta Mukesh Kumar , $ P"BQ#B#<
;;&"Y";!P"!,Q#B#< Shri Mohanty S
Shri Raj Kumar ";P& Q#B#<

"N P<Q#B#<
Smt Ipe Mini
Shri Shashikumar H S
";P,+*BQ#B#<
O<P\Q#OB#+
Smt Subramanian Renuka
Shri Thamodharan R
; #O# 4'
O<P\Q#OB#
Shri Masil Jeyamohan P
Kum Sahdev Kiran
";P%@<Q#B#<
";P(!;\B;Q#B#<
Shri Gupta Anil
Shri Chaudhary Ravi
";P\%!?Q#B#< ";P;<aQ#B#<
Shri Nallakuttalam S Shri Patnaik B C
Director, ZTC, Chennai Director, ZTC, Agra
Shri Venugopal P Shri Kumar Anoop
, $ PQ#B#< Director, ZTC, Gurgaon
Shri Nagnyal K S Shri Joshi D N
";PQ#B#< ";P+;\,\$?-Q#B#<
Shri Rao Vikas C. Shri Reddy K S
O<P\Q#OB# Director, ZTC, Bhopal
Shri Das D Shri Kadiresan K
; #O#a' ";P:$,Q#B#<
Shri Sood R K Shri Bhagat Dinesh K
";P":B,Q#B#< O<P\Q#OB#a'
Shri Kumar Rakesh Shri Kumar Mahendra
ADDL. Director, MDC, Mumbai ";P\+!Q#B#<
Shri Banerjee D K Shri Saxena V K
";P"Q#B#<
"P"Q#OB#;
135
62 nd Annual Report
Shri Das S K Shri Ajith Kumar L

P%@!Q#B#<
P%@<Q#B#<
Shri Kumar Anil J Shri Kher S P
!<P":B,Q#OB#
P%@<Q#B#<
Shri Upadhyay Raju Shri Rastogi Sanjay
"P"Q#OB# !<P<a$Q#OB#;
Shri Sangam P K Shri Muraleedharan P
"P"Q#OB#< !<P<a$Q#OB#<
Kum Koul Naveen Smt Ghosh Pompa

P!Q#B#< !<P",Q#OB#;
Shri Chand Parkash Shri Balagopal V
O<P\QP!<Q#OB#; FM, NIA, Pune
Shri Swargiary A Smt Verma Vidhu
!<P:$,Q#OB#< !<P:!Q#OB#<
Smt Chandra Nirupma Shri Mishra B S
!<PB,Q#OB#; !<P<a$Q#OB#+
Shri Mishra P K Shri Gupta Rajiv
"P"Q#OB#a'
P\,;Q#B#<
Smt Chakraverti Arpita S Shri Palaniswamy R
!<P!<Q#OB#a' !<P:!Q#OB#
Shri Kumar Praveen Shri Kureel Vinod
$ < P(-&Q#B#< FM, ZTC, Agra
Shri Mokashi S N Shri Rajaraman R J
!<P",Q#OB#< !<P:!Q#OB#+
Smt Panwar Priti Shri Azeezuddin Md

"N P"%-Q#B#< !<P<a$Q#OB#+
Shri Mukherjee A Shri Nagesh S
; PBQ#B#<
P\QP(%,Q#B#(
Shri Verma Sanjay Shri Singh Yogendra
Vice Principal, ZTC, Gurgaon !<P:!Q#OB#a
Kum Seth Ena Smt Rama Rao Savithri
!<P":B,Q#OB#+ !<P":B,Q#OB#(
Shri Das Karuna Kanto Smt Soman S S

P%,Q#B#<
P-:Q#B#<
Smt Vinodakumari P Shri Meena K R
O<P\QP:!Q#OB#( !<P:!Q#OB#;
Shri Behera S Shri Nagaraja Rao P V S

P,+Q#B#< #O#(
Shri Elango S Shri Sharma A K
CE, ZTC, Chennai !<P<a$Q#OB#a'
Shri Sen Jyotikumar Shri Jain S M
Vice Principal, ZTC, Chennai
P-:Q#B#<
Shri Paul D S Shri Singh Ratikanta
"P"Q#B#< @ #O#a'
Smt Garg Sarita Smt Padmavati Y V

P\+!Q#B#< $ < P<Q#B#<
Smt Kher P Shri Dasgupta P

P"!4;Q#B#< !<P<a$Q#OB#<
Shri Nadkarni S S Shri Srivastava A

PB,Q#B#< !<P!<Q#OB#+
Shri Roy P B Shri Prabhakara Rao N
!<P(-&Q#!B#a' !<P",Q#OB#a'
Shri Anand A K Shri Suman R K

P%@BQ#B#< "P"Q#OB#
Shri Venkateswaran S Shri Singh Balwant
!<P!<Q#OB#( Vice Principal, ZTC, Bhopal
Shri Nanda H Shri Mallick Pravat Kumar

P\,;Q#B#< "P"Q#OB#a
136
136
62 nd Annual Report
Shri Mittal N K Smt Rangarajan N

P-:Q#B#<
P!<Q#B#<
Shri Dixit Sanjay Smt Shankar Chitra
!<P(-&Q#!B#
P%+:!Q#B#<
Shri Samal P Shri Jha K K
$ < P(-&Q#B#<
P& Q#B#<
Shri Lahiri A Shri Mishra P R
!<P:!Q#OB#
P%@BQ#B#<
Shri Grover A Shri Bardoloi Dipak Kumar
$ < P(<Q#B#< $ < P(-&Q#B#<
Shri Thakur S K Shri Narayan S
<;:"BP-$%Q#+
P%@B\$Q#B#<
Shri Dubey R K Shri Coomar Nikesh

P!<\*&Q#B#< FM, NIA, Pune
Shri Singh R P Smt Gemma Berly

P:$,Q#B#< !<P!<Q#OB#<
Shri Gupta R P Shri Kaul Satish
!<P<a$Q#OB# !<P":B,Q#OB#a
Shri Sen J Smt Purushottam Anju
<;:"BP-$%Q#,&' !<P!<Q#OB#(
Shri Paul S Shri Basu T
!<P(-&Q#!B#+
P"%-Q#B#<
Shri Shamsunder L K Shri Kumar Deepak
FM, NIA, Pune Genl. Manager (FGN), Bahrain
Shri Unhelkar B K Shri Ghai Ashwani
$ < #(-&#B#< !<P<a$Q#OB#a
Shri Dwivedi P Shri Navani Udaykumar
$ < P"%-Q#B#< !<P(-&Q#!B#
Kum Gauba Harleen Shri Pandey Tablesh
!<P:!\B,Q#OB#a'
P&\$Q#B#<
Shri Kemmu M K Shri Nayak S
!<P:$,Q#OB#a' B,;P!;Q#(
Shri Arandhara Tapan Shri Sharma S V
!<P:$,Q#OB#; @ #O#(
Shri Gowd Viswanatha Y Shri Chaturvedi M C
!<P(-&Q#!B#( !<P:$,Q#OB#
Shri Wanwar G S Shri Chakrapani J
("-P"!,Q#B#< !<P<a$Q#OB#
Shri Kumar Kamal Shri Jha V
!<#P!<Q#OB#% !<P(-&Q#!B#+
Shri Singh Jaspal Shri Ramakrishnan T S
$ < P(-&Q#B#< !<P(-&Q#!B#<
Shri Behara B Smt Prasad Malika
Vice Principal, ZTC, Jamshedpur !<P":B,Q#OB#
Shri Pradhan B Shri Jagannnath M
!<P!<Q#OB#a !<P<a$Q#OB#(
Shri Mahapatra R Smt Rao Uma
-<#O#a' !<PB,Q#OB#<
Shri Kannan M Smt Duggal A
@ #O# 4' FM, ZTC, Gurgaon
Shri Kundu Arup Shri Meena L C
"P"Q#OB#+
P!"Q#B#<
Shri Thakur S Shri Kumaresan P
"P"Q#OB#(
P<a$Q#B#<
Chief & Appointed Actuary

Shri. Dinesh Pant.
137
62 nd Annual Report
MEMBERS OF ZONAL ADVISORY BOARD (AS ON 31.03.2019)

Central Zone
,<!a# Northern Zone
,,a ,<!a#
,, <' ¢ < <¢ a+
Er. Mani Ram Nirala < !¢!
,+¢ $ Shri (Dr) Nazir Ahmad Gilkar
Smt Vaishali Maheshwari ,!¢a
Dr Jayantilal Bhandari Shri Jitender Sirkeck
,( a ,P;Q!¢ ,N
Dr Sandhya Verma Shri Y P Sharma
Shri Sudhir Jain Shri (Dr) Narsinngh Binnani
,a a ,!¢ a
,(,, '#O< #"N4BJ< Shri Sunil Dutt Vyas
Eastern Zone @#O< #"N4BJ<
,<!a# South Central Zone
Shri Sandip Fogla ,<!a#
;<'<' ¢ ,(,&
,!'<' ¢ ;,<a
Smt Mamta Arora Shri S Anantha
,, a+ < * %'
Shri Parthasarathi Chowdhury ,a,a
Shri Vikash Tuwani ,,¢
;(; ,!!¢
Shri Indreswar Deka ,;! !¢
Dr Sankar Prasad Bhattacharya Dr D Raghuraman
,; a+#O< #"N4BJ< ,a$?
East Central Zone @#O< #"N4BJ<
,<!a# Southern Zone
;; 'a ,<!a#
Smt Meera Dubey Shri Dilip Narayanan
Prof(Dr) Surendra Nath Behara ,a@ '
Shri Gouri Pd Purbey Ms Shobha Iyer
Shri Imtiaz Ahmad Smt Punitha Ganesan
Shri Rama Narayan Mohanty
a,
Shri Brahma Bihari Panda ,a%
Dr Praveen Chandra ,a&' a
;¢a, Shri James Paul Valappila
,a! !a,??
,@' !#O< #"N4BJ< Dr Jayakumari Isac
North Central zone ,!#O< #"N4BJ<
,<!a# Western Zone
,% a$ ,<!a#
Dr Saghir Ahmad Prof Shirsat Bharat Suryabhan
,(% Shri Bharat B Patel
Dr Purnima Anil ,( +!
;,%* Dr Roshankumar M Bhigania
; + ¢ Prof Girish Bhimani
; a;N ;P< Qa a'
Shri Bhupendra Singh Pangtey Shri Ananda V Sankpal
Ms Sunita Tihari Shri Bipinbhai M Shah
,'¢! Dr Vishwas B Gangurde
,%,#O< #"N4BJ< ,a
,@#O< #"N4BJ<
138
138
62 nd Annual Report
MEMBERS OF THE POLICYHOLDERS’ COUNCIL

DURING THE YEAR 2018-2019
CENTRAL ZONE SATNA DIVISION HOWRAH DIVISION KOLKATA SURBURBAN
BHOPAL DIVISION <!a,#,;< <;a<#,;< DIVISION
Mr. S S Chaplot, SDM <a, Mr. Rabindranath Mistri Mr. Gaurab Chand, SDM
;,¢ ? < , Ms. Sharmila Agarwal Dr.(Ms.) Anita Biswas
<!¢< Mr. Pradeep Tamrakar Mr. Praveen Bothra Mr. Narayan Chandra Saha
<!¢ <,&¢ Dr. Anirban Dutta Mr. Jayanta Mukhopadhyay
Ms. Megha Agarwal Mr. Partha Das Dr. Susruta Bandyopadhyay
Mrs. Rachna Shrivastava
<( $¢ Dr. Subhash Roy
SHAHDOL DIVISION JALPAIGURI DIVISION
BILASPUR DIVISION Mr. Siba Prasad Patnaik, SDM SILCHAR DIVISION
Mr. Ashutosh Misra, SDM
<aa#,;< <a&'#,;<
<!¢ a < ¢<
<a Mr. Bhaskar Sengupta
<* a$ Mrs. Priya Topno
< *! Mrs. Elizabeth Singson
Mr. Dipesh Tiwari Mr. Subrata Paul
;!¢a <+ ¢
<* 'a Dr. Shyamal Saha
<a a Mr. Paban Chandra Deb
Ms. Megha Pawar Mr. Jyotirmoy Jhampat
Mrs Laxmin Tondey
< +¢
GWALIOR DIVISION EASTERN ZONE JORHAT DIVISION
ASANSOL DIVISION Mr. N. Bhutia, SDM EAST CENTRAL ZONE
<$a? #,;<
< a#,;< Ms. Binapani Goswanmi BEGUSARAI DIVISION
<¢a
Mrs. Banani Talukdar Mr. Someswar Barthi <a,#,;<
<a<
<<<( Mr. Nabin Chandra Dutta <,' +¢
Ms. Sheebi Rastogi
<,a; Mr. Bipin Dola Dr. Murari Mandal
<( ,'
<<¢! <+'a
<% ¢ Mr. Pranob Bharali
<a<
<,¢$
INDORE DIVISION KHARAGPUR < ? a
BARDHAMAN DIVISION Mr. Devkanta Padhi, SDM
Mr. S.B. Mishra, SDM BERHAMPUR DIVISION
<a<#,;< Mrs. Barnali Ghosh
Ms. Jyoti Tiwari Mr. S P Parichha, SDM
Mr. Balaram Saha <,'(
Mr. Ishwar Sharma <+¢
Ms. Neha Agarwal Mr. Partha Pratim Basak
<< a,' <<¢a
Mr. Pradip Aich Mrs. Tania Mukhopadhyay
<!¢ a Mr. Subash Chandra Palo
;, a; <,¢;
<;¢? < ¢
< 'a<
Mr. Akrura Behera
JABALPUR DIVISION KOLKATA METRO DIVISION I
< 'a#,;< BONGAIGAON DIVISION <+ ¢ #,;< BHAGALPUR DIVISION
Ms. Preeti Irene Thangadurai <+¢a#,;< < ?+¢ Mr. S S Ahmed, SDM
Dr. Tanmoy Sircar <a&; <a '< <aa
Mr. Sourabh Jain <(' Mrs. Sushama Barua Mr. Dinesh Paswan
Mr. Aditya Narayan Sharma <,a,' Mr. Abrar Ahmed < !a
Mr. Teerath Singh Maravi Mrs. Minati G Choudhury Mr. Arvind Jha
<?+¢
Mr. Abdul Mannan <aa,
RAIPUR DIVISION KOLKATA METRO DIVISION II
Mr. Prakash Sinha, SDM GUWAHATI DIVISION BHUBANESHWAR DIVISION
Mr. N Bose, SDM
Mr. M R Sahoo, SDM Mr. L.P. Das, SDM
<< !¢, Mr. Birendra Shaw
<'¢, <' a
Mr. Suresh Gandhi Ms. Sumita Das Ghosh
Mrs. Chandana Das <? a<
Mr. Amit Chourasia Mr. Bhaskar Chowdhury
< ¢ < a'
Dr.(Smt.)Megha Bhagvat ;*¢¢<' ¢
Mr. Rakesh Dudharia Ms. Soubhagini Nayak
Mrs. Esthar Tigga < <' ¢
<<a < ,¢(
139
62 nd Annual Report
CUTTACK DIVISION SAMBALPUR DIVISION JAIPUR DIVISION II DELHI DIVISION II

<a!#,;< <<a#,;< Mr. R D Daniya, SDM Mr. S M Mishra, SDM
Mrs. Jayashree Sethy Mr. Dibakar Podha Mr. Basant Bahar Mr. Ashutosh Mittal
<$ ¢ ;% a+ Dr. Sheenu Jain < % ¢!
<,¢ ;,¢a+ Mr. Mahesh Singhal Mr. Arun Gupta
Mr. Samar Singh Dr. Sucheta Rani Mohapatra < a$ <( @
<% ( <;a <+,a ;!¢ a!¢
HAZARIBAGH DIVISION NORTHERN ZONE JALANDHAR DIVISION DELHI DIVISION III

<,a,#,;< AJMER DIVISION Mr. G Lal, SDM Mr. N Chaudhary, SDM
Mr. Somnath Pruthi <+a,#,;< ;¢, Mr. Chandra Bhanu Mishra
< <a$ Mr. Anurag Loiwal Mr. Avnip Deora Ms. Mala Garg
;,¢<' ¢ <,¢ $ ;; a <?a
;,¢, ;<' ¢ <!¢ a Dr. (Mrs) Sumita Rai
Mr. Bhanwer Lal
Mrs. Sima Goreti Tirkey Mr. Pritpal Singh Mr. Satinder Pal Panwar
< <a
JAMSHEDPUR DIVISION JODHPUR DIVISION ROHTAK DIVISION
AMRITSAR DIVISION
Mr. M. M. Ansari, SDM <@a;#,;< Mr. S Julka, SDM
<( ,#,;<
Mrs. Sima Shanti Tirkey <!¢ < Mr. Vikram Prabhakar
Mr. Gautam Puri
;! ¢ Mr. Rakesh Bhandari <% +¢
<<¢a,
<-a Mr. Mukul Maheshwari Mr. M L Grover
Mr. Jaswant Singh
<,aB¢ Ms. Asha Sharma Mrs. Renu Sharma
Dr. Ritu Bhatti
<?a< <a& Mr. Jai Bhagwan S Sharma
<; <¢
MUZAFFARPUR DIVISION KARNAL DIVISION SHIMLA DIVISION
BIKANER DIVISION
< (#,;< <?a#,;< Mr. A Razdan, SDM
Mr. P C Mishra, SDM
<$a<' <, a+ Mr. Sunil Nagpal
Dr. (Ms) Jaya Nag
Mrs. Sunita Saraf <<¢$ < +a
Mr. Jaswant Singh Dhingra
<,¢a ; <¢ <a
<a&,
<@¢a Mr. Akshay Tyagi Mr. Diwan Singh
<@' a+
Mrs. Meena Devi Ms. Versha <( !¢
<+&¢
PATNA DIVISION I LUDHIANA DIVISION SRINAGAR DIVISION
CHANDIGARH DIVISION
Mr. S Gupta, SDM Mr. L C Pipil, SDM <a,#,;<
<!¢<' ¢ #,;<
Mrs. Sumita Jaiswal < ( a <$a <¢
Mr. Gautam Jain
Mrs. Savita Singh Mr. Vandan Goyal < - a
Mrs. Meena Lakhanpal
<%¢a Mr. Rakesh Sharma Mr. Nitin Aggarwal
;$¢<
< ! Mr. Chander Mohan <%¢,'
Mr. Manmohan Singh
<a Mr. Malkit Singh Mr. Joginder Paul
<,¢ +
PATNA DIVISION II DELHI DIVISION I UDAIPUR DIVISION
JAIPUR DIVISION 1
Mr. Piyush, SDM Mr. G P Meena, SDM <,¢+#,;<
Mr. S R Meena, SDM
<,a; <!a< Dr.(Mrs) Aanchal Pandya
Mr. Amit Agrawal
<; a; <; a <A%
Dr. Ram Lal Poonia
<a? Pt. Vishwanath <!¢<
Dr. (Mrs.) Manisha Patni
< a ;+¢@ , <$¢ ' ,
Mr. Ashok Jain
Ms. Seema Pandey < ,!a Mr. Rakesh Jhanwar
<(!,
140
140
62 nd Annual Report
NORTH CENTRAL ZONE GORAKHPUR DIVISION SOURTHERN ZONE MADURAI DIVISION

AGRA DIVISION Mr. D M Mital, SDM CHENNAI DIVISION – I Mr P J Nicholson, SDM
<¢,'#,;< Ms. Radha Chandha Mr A Soosai Manicham, SDM Dr. R. Chandramohan
Ms CA Deepika Mittal <<" ( ;; ¢ <@¢a
<<' a$ <,a? Mr. R Sivakumar <!a'
<a , Mr. Ram Darash Prasad < * <a
<a Mr. Shashi Prakash Srivastava ;a,$ ' < aa
Mr. Mahesh C Agarwal < !!¢, SALEM DIVISION
HALDWANI DIVISION
ALIGARH DIVISION Mr. N S Rawat, SDM CHENNAI DIVISION – II Mr. L Chendurnathan, SDM
Mr. Arun Pal, SDM Ms. Geeta Balutia <<aa#,;< Mr. V. Seshadri
Mr. Vishnu Dayal Sexena Ms. Bhavadhaarini < aa
<aa?
Dr. Neeta Anantaraman Mr. M Murugesan
Mr. Anshul Garg
;@ a Mrs. Mohana T <a!
Mr. Chandra Prakash Yadav
<! ,a ;,!¢a Mr. P. Mageshkumar
<a$
< a$ <!¢ 'a
THANJAVUR DIVISION
KANPUR DIVISION Mrs. M Sakthipriya
ALLAHABAD DIVISION <,, !¢#,;<
<@*#,;<
Mr. Vivek Sharma, SDM COIMBATORE DIVISION < %!¢¢
Mr. Pramod Saxena
<( Mr Fazlul A Rehman, SDM <%!%¢
Dr. Monica Shukla
Mr. Thakur Azad Singh ;@¢ <a@
;,a
< ! a <a, Mrs. A Meenakshi
Mr. Ambrish Tandon
Mr. Madan Lal Mr. A Shanmugam ;a¢
<@a,' Dr. L Jayanthi
;! a THIRUVANANTHAPURAM
LUCKNOW DIVISION Mr. N N Parasram DIVISION
BAREILLY DIVISION
<!¢,#,;< ERNAKULAM DIVISION Mrs. Santha Varkey, SDM
<X¢#,;<
<,¢ a, < A Mr P Radhakrishnan, SDM < Na'
<!¢ Dr. V. B. Singh < + + @a Mr. V.S. Benedict Anugraha
;, a Dr. Anup Agrawal Mr. A. V. Jose Dr. Reena
Dr. Trilok Arora <@ a ;P< Q,¢, Prof (Dr.) Abraham Joseph
;¢, <!¢ a Dr. Seby Varghese Mr. Visweswaran G
Mr Pradeepkumar N.
DEHRADUN DIVISION MEERUT DIVISION THRISSUR DIVISION
<a,N #,;< Mr. V R Shukla, SDM KOTTAYAM DIVISION Mrs. Deepa Sivadasan, SDM
<a, Dr. Subhash Singh Mr S Srinivasa Rao, SDM Mr. P V Surendran
<&' a$ <!¢ a
?aB Dr. Jaya Cherian
<¢a' Mrs. Rekha Sharma <a@' Mr. Satheesan T
<!a+ Mr. Deepak Sharma <<¢%a, Adv Seema Menon
Ms. Seema Rani Mr. Jitendra Mohan Dr. Bhanu Ashok <( a
Mr. Manu Sreedharan
FAIZABAD DIVISION TIRUNELVELI DIVISION
VARANASI DIVISION
Mr. M Atrishi, SDM KOZHIKODE DIVISION <a@ a#,;<
Mr. S G P Tripathi, SDM
;,¢ Mr V S Madhu, SDM Mr. M Gopi
<a<, +
Mr. Ram Paltan Mrs Priya Sreekanth Mr. A Jaisingh
<<
;!a; Mr. Paul Verghese ;,!¢
;a,
<a Mr. Shyam Sunder Dr. (Mrs.) S. Margaret
<, a,
Ms. Ekta Tripathi Dr. P B Santhoshkumar !¢
Dr. Dudh Nath
<'a Mr. S. Siva Surya Narayanan
141
62 nd Annual Report
VELLORE DIVISION KADAPA DIVISION RAICHUR DIVISION WESTERN ZONE

Mr. N Ramakrishnan, SDM <;!a!<,#,;< <a!@ #,;< AHMEDABAD DIVISION
< a <$a'!¢ ;+ ¢¢ Mr. P R Choudhari, SDM
Mrs. R. Malathy Mrs. Mythili Bhupathi ;a! < !a
Mrs. R. Visalakshi Mr. Makam Suresh Babu Mr. Sandip Modi
Ms. Shahikala Jahagirdar
<aa <@,
( Mr. Narendra C Tundiya
<+ ¢!
;a <@, a Dr. Sandarbh P Patel
;< <¢
Dr. Jayanti Bharti
SOUTH CENTRAL ZONE KARIMNAGAR DIVISION
SECUNDERABAD DIVISION
Mr. Y Venkateshwarlu, SDM AMRAVATI DIVISION
BANGALORE DIVISION-I Mr Pradeep Shenoy, SDM
Capt. Dr. B Madhusudhan <,; ¢#,;<
< a#,;< Mr. Manchala G Gupta
Reddy Adv. Sushama P Joshi
Dr. V Anuradha Paramesh Mr. Doddi Ashok
;!a' ;,@¢%
Mr. E Nagendrappa <!¢ a
Mr. Vootukuri Ravinder Reddy <;;a
Dr. S C Sharma <' <¢&
;',¢ Mr. Bhukya Saidulu
Mr. T S Giri Mr. Shantanu S Joshi
<;%¢ Mrs. M Ramadevi
Mr. G Freddy Charles
MASULIPATNAM DIVISION SHIMOGA DIVISION AURANGABAD DIVISION
BANGLORE DIVISION II Mr T M M Jayasimhan, SDM <a ,#,;<
Mr. G A Ramakrishna, SDM
Mr. J Jagadish, SDM Mr. N Venkata Durga Rao ;P< Q(
Mr. B G Shivamurthy
Mr. R.R. Acharya Mr . L V V N Bhanu Priya Shahapurkar
Mrs. (Dr.) Sandhyakaveri
Mr. R. Arunachalam <a! ¢ Mr. Chandrashekhar P.
<* , Shengaonkar
Ms. Elizabeth Joseph ;+¢¢
<A;= ;!¢a
<$@<¢ <a(a
<<$a< Dr. Nilkanth Shankarrao Patil
Mr. Rakesh
MYSORE DIVISION Mrs. Sangita Nilkanth Jadhav
UDUPI DIVISION
BELGAUM DIVISION <a#
Mr. P Vishveshwar Rau, SDM BHAVNAGAR DIVISION
Mr. P P Gaitonde, SDM SDM
<,a <a< #,;<
<+ ¢<a Ms. Anupama R
<a%' Mr. Sandip M Mehta
;(,< ; a(
<( $$
< @ $ ¢¢ <a ; ;(@
Mr. Veresh Mehta
<,¢ !; ;a< <a!a
Mr. Ramdevsinh Gohil
<!a< <;a, Mrs. Madhavi S Bhandari
Mrs Matangi P Pandya
NELLORE DIVISION VISAKHAPATNAM DIVISION
DHARWAD DIVISION GANDHINAGAR DIVISION
Mr. S. R. Jagannath, SDM Mr P Ramesh Babu, SDM
<(a!a#,;< <a!+ #
Dr. S. Devasena
;<,' <a, ! SDM
<@+ ¢!
Mrs. Parvathi Rangaswamy Mr. Naidu Sandeep Reddy <,¢$
<$,a!
Mr. M. Y. Gamangatti <?! a Mr. Jiten D Patel
<@a ,
<' ,*' <a$ Dr. Vivek Bhave
< +,¢
<a, < a Dr.(Ms) Jyoti Sadhu
RAJAHMUNDRY DIVISION <a @
HYDERADAD DIVISION WARANGAL DIVISION
<a'#
<? *#,;< GOA DIVISION
SDM Mr. E. A. Viswaroop, SDM
<!¢ <#,;<
< <¢ $' Mr. Jangam Subbarao Mr. T. Gopichand
Mr. M. Satya Reddy Mr. Gaurish Manohar Dhond
< a Mr. Gadde Narsaiah
;$a
Mr. B Dholaya Mr. Manepali V B S Saibaba Dr. M Anitha Mr. Govind Ranade
Mrs. Sashikala Reddy Mrs. A Ganga SuchiSmita Mr. B. Prasada Rao < <¢<+
Dr. Akbar Altaf <a@,' Ms. M. Padmavathi Mr. Gopaldas A. Arlekar
142
142
62 nd Annual Report
KOLHAPUR DIVISION MUMBAI DIVISION – IV NASHIK DIVISION RAJKOT DIVISION

Mr. S Ghodgaonkar, SDM < < a #,;< Mr. T D Gadpaile, SDM Mr. G P Agarwal, SDM
Dr. Bimal A Vasani
Mrs. Yogita Prasad Gulavani Dr. Girish Raut <!¢ ,
Mr. Narendra J Ziba

'a ''' Mr. Sunit Rawat Mr. Sunil V Amrutkar Mr. Manish V Doshi
Mr. Santosh Sadashiv Tase Mr. Nitin Suresh Nerurkar Mr. Suresh J Jain Mrs. Pallavi P Vyas
Mr. Jayant Madhukar Phadake Dr.(Mrs) Varsha Degwekar ;< +¢a Mr. Nirlok Parmar
;*+, ' < ¢ ; Ms. Shobha Prasad Gosavi SATARA DIVISION
Mr. M J Godbole, SDM
MUMBAI DIVISION – I PUNE DIVISION- I <(@;
NADIAD DIVISION
<a<#,;< <+aa#,;< Mr. Nilesh Shrikant Lokare
<, a#,;< Mr. Vinod B Godbole
Mr. Anil V Tilak Mr. Ashok Dattatray Gadade
Mr. Bhavin S Gandhi ;P< Q@¢@,
<!a ;' Mrs. Geeta Sivakumar
Mr. Bipinbhai M Shah <a
Ms. Sania Surve Dr. Prashant A Chavhan
Mr. Jitendra G. Amin SURAT DIVISION
<,'<( <a , ,
Ms. Daminiben B Dave Mr. Sharad Tripathi, SDM
Mr. Pandurang A Awasarmol <&a$' Dr.(Ms) Archana Patel
Mr. Satishchandra I. Shrimali
<<a+¢
MUMBAI DIVISION – II PUNE DIVISION- II
NAGPUR DIVISION <? <¢
Mr. S Ramesh Saravana, SDM <%¢$#,;< < (
Mr. M C Joshi, SDM
< <<!¢' Dr. Raosaheb Ramchandra Dr. Mehul Anil Patel
Mr. Ravindra Jawalkar
Mr. Virendra Shiv Singh Patil.
Dr. Shantanu P Jog THANE DIVISION
Mr. Amit Lapasiya Dr. (Mrs.) Jyoti Bhakare Mr. S Mehta, SDM
<,¢'<$¢
Mr. Santosh Appa Pendharkar ;$ %a ' <<¢a
Mrs. Adv. Nandini Pravin Thete Mr. Samir P Yerpude
< <¢<%' <a'
Mr. Vinay T Barhate Mr. Makarand Bhat
Dr. Surendra Bende
MUMBAI DIVISION – III Dr.(Ms) Asha Bhoite
NANDED DIVISION <<, a
;P< Q¢!a#,;< SSS DIVISION, MUMBAI
Mr. J G Lamture, SDM
Mr. Bipin Mishra < ¢ #,;< VADODARA DIVISION
;P< Q <$¢ <a '#,;<
<,a ;¢
<%a <%!a
Dr. D Prasanth Nair <!¢ a ,
Mr. Ramakant S Ghonsikar Mr. Narsinh D Parmar
< @'¢+ < (&
Ms. Lisa Dhami
<%';a
<( << Mr. Mangesh Deodhar Mr. Mittal A Ghiya
Mr. Padamakar S Jondhale. Mr. Ashif I Shaikh
Mr. Vaibhav P Joshi
143
62 nd Annual Report
APPENDIX-II
Statutory (Central) Auditors of the Corporation for 2018-2019
NAME OF FIRM ADDRESS
B Gupta & CO 4Th Floor, Sukirti

ER0001 S. P. Verma Road
4300002#+
A S A & Associates LLP 32\2#-

;"223K Adchini, Aurobindo Marg
% ; 422002K#;
V Singhi & Associates Four Mangoe Lane, Ground Floor,

CA1150 Surendra Mohan Ghosh Sarani
a'4K00002#A +
Umamaheswara Rao & CO -%G4(#;+'#34L4L/M#

(X0/LG Yellareddyguda Lane,
Y! #
( 4G000KL#
S K Kapoor & CO 2H\93#&+

CR0029 The Mall,
a4/03002#*
Khandelwal Jain & CO 2/4+#++#G-

+B0090 22K#< a !#
Churchgate, Mumbai 400020.
Chaturvedi & shah LLP K2M4K2G#

+B0/HL 212, Nariman Point,
<4M000/2#<
A B M & Associates LLP BJ 2# '+#

+B2MM0 +\K/#, /L#( #
Seawoods, Nerul,
<4M00K0H
S L Chhajed & CO !42/#<%O 4

CR0100 +4MH/022#<
R G N Price & CO , +3H2#

<;0023 Anna Salai,
4H0000/#
144
144
62 nd Annual Report
31 cee®e&, 2019 keÀes meceeHle

Je<e& kesÀ efueS efJeÊeer³e efJeJejCe
Financial Statements
For the year ended 31st March, 2019
145
ñdV§Ì boIm - narjH$ H$s [anmoQ>©

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je³e
1 nceves 31 cee®e&, 2019 kesÀ Yeejleer³e peerJeve yeercee efveiece (efveiece) kesÀ (mìQ[Deueesve) efJeÊeer³e efJeJejCeeW keÀer uesKee hejer#ee keÀer nw, efpemeceW peerJeve yeercee
J³eJemee³e, nsuLe J³eJemee³e, heWMeve J³eJemee³e, hetbpeer cees®eve (efveOeeefjle Jeee|<ekeÀer meefnle) Jeee|<ekeÀer J³eJemee³e SJeb mebyebOo J³eJemee³e kesÀ legueveeHe$ees keÀer leLee
peerJeve yeercee J³eJemee³e, nsuLe J³eJemee³e, heWMeve J³eJemee³e, hetbpeer cees®eve (efveOeeefjle Jeee|<ekeÀer meefnle) Jeee|<ekeÀer J³eJemee³e SJeb mebyebOo J³eJemee³e mes mebyebefOele
jepemJe Keeles, mebyebefOele ueeYe neefve Keeles leLee HeéefHle SJeb Yegieleeve Keelee pees Gmeer leeefjKe keÀes meceeHle ngS Je<e& kesÀ efue³es nw, FmekesÀ meeLe mìQ[Deueesve
efJeÊeer³e efJeJejCeeW keÀer efìHHeCeeer³eeb, FmekesÀ meeLe cenlJehetCe& uesKeebkeÀve efveefle³eeW SJeb Dev³e J³eeK³eelcekeÀ meg®evee keÀe SkeÀ meejebMe FmekesÀ meeLe mebueive nw, (FmekesÀ
yeeo Gmes ’mìQ[Deueesve efJeÊeer³e efJeJejCe“ kesÀ ªhe ceW meboe|Yele efkeÀ³ee pee³esiee), efpemeceW Meeefceue nQ cee@jerMeme, uebove SJeb efHeÀpeer MeeKeeDeeW kesÀ mebyebefOele
mLeeveer³e uesKee hejer#ekeÀeW Üeje efkeÀ³ee ie³ee uesKee efJeJejCe; 8 ceb[ue keÀe³ee&ue³ees, heWMeve SJeb mecetn ³eespeveeW keÀer 3 FkeÀeF³eeB Deewj 41 MeeKeeDeeW keÀe DebkesÀ#esCe
nceves efkeÀ³ee nw~ 105 ceC[ue keÀe³ee&ue³eesb, 66 HeWMeve SJeb mecegn ³eespevee keÀer FkeÀeF³eeB SJeb 641 MeeKeeDeeW keÀe efJeJejCe efveiece Üeje efve³egÊeÀ DebkesÀ#ekeÀes Üeje Dev³e
uesKee hejer#ee keÀer ieF& nw, leLee 1366 MeeKeeDeeW efpevekeÀe DebkesÀ#eCe vener ngDee nw GvekeÀer efJeJejCe HeýebOeve Üeje HećeeefCele efkeÀ³es ie³es nQ~
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ªhe mes mJeerkeÀe³e& uesKee efme×ebleeW kesÀ Devegªhe mheä Deewj mener peevekeÀejer heóeve keÀjlee nw -efJeÊeer³e efJeJejCe peerJeve yeercee efveiece DeefOeefve³ece, 1956
(’SueDeeF&meer DeefOeefve³ece“), yeercee DeefOeefve³ece 1938, pees efkeÀ yeercee keÀevegve mebMeesOeve DeefOeefve³ece 2015 (’yeercee DeefOeefve³ece“) Üeje mebMeesefOele efkeÀ³ee
ie³ee nw, yeercee efJeefve³eecekeÀ Deewj efJekeÀeme heéefOekeÀjCe DeefOeefve³ece, 1999 (1999 keÀe 41) (’DeeF&Deej[erS DeefOeefve³ece“), yeercee efJeefve³eecekeÀ Deewj efJekeÀeme
heéefOekeÀjCe (efJeÊeer³e efJeJejCeeW keÀer lew³eejer Deewj yeercee kebÀheefve³eeW keÀer uesKee hejer#ekeÀ keÀer efjheesì&) efJeefve³ece, 2002 (’efJeefve³ece“): pees Yeejle ceW meeceev³e jÀHe
mes mkeerkeÀej efkeÀ³es peeves Jeeues uesKeekebÀve efmeOoeblees kesÀ Devegmeej efvecveefueefKele kesÀ mebyebOe ceW mener Deewj Tef®ele lemJeerj He´mlegle keÀjles nw~
i) 31 cee®e&, 2019 keÀes leLee efmLeefle efveiece kesÀ keÀjesyeej kesÀ peerJeve yeercee J³eJemee³e, HesvMeve J³eJemee³e, Hegbpeer cees®eve (efveOee&efjle Jeeef<e&keÀer meefnle), Jeeef<e&keÀer
J³eJemee³e leLee mecyeOo J³eJemee³e kesÀ legueveHe$eeW kesÀ ceeceues ceW;
ii) 31cee®e& 2019 keÀes meceeHle Je<e& kesÀ efueS peerJeve yeercee J³eJemee³e, nsuLe J³eJemee³e, HesvMeve J³eJemee³e, HetBpeer cees®eve (efveOee&efjle Jeeef<e&keÀer meefnle), Jeeef<e&keÀer
J³eJemee³e leLee mecyebOe J³eJemee³e kesÀ mebyebOe ceW DeefOeMes<e kesÀ jepemJe uesKes kesÀ ceeceues ces
iii) 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS efveiece kesÀ ueeYe kesÀ ueeYe Sjeb neefve Keeles kesÀ ceeceues ceW Deewj
iv) 31 cee®e&, 2019 keÀes meceehle Je<e& kesÀ efueS HeéefHle³eeW Deewj YegieleeveeW kesÀ HeéefHle Skeb Yegieleeve uesKes kesÀ ceeceues ceW~
je³e kesÀ efueS DeeOeej
3 nceves Fbmìerìîetì Dee@HeÀ ®eeì&[& DekeÀeGbìWìdme Dee@HeÀ Fbef[³ee (DeeF&meerSDeeF&) Üeje peejer efkeÀS ieS ceevekeÀeW (uesKee hejer#ee) kesÀ Devegmeej Deheveer uesKee hejer#ee
keÀer~ nceejer efjheesì& kesÀ mìQ[Deueesve efJeÊeer³e efJeJejCe DevegYeeie keÀer uesKee hejer#ee kesÀ efueS uesKee hejer#ekeÀ keÀer efpeccesoeefj³eeW ceW Gve ceevekeÀeW kesÀ lenle nceejer
efpeccesoeefj³eeW keÀe JeCe&ve efkeÀ³ee ie³ee nw~ nce DeeF&meerSDeeF& Üeje peejer veweflekeÀ Dee®eej mebefnlee kesÀ Devegmeej efveiece mes mJeleb$e nQ, pees SueDeeF&meer DeefOeefve³ece,
yeercee DeefOeefve³ece kesÀ heéJeOeeveeW kesÀ lenle mìQ[Deueesve efJeÊeer³e efJeJejCeeW kesÀ nceejs uesKee hejer#ee kesÀ efueS heémebefiekeÀ nQ; DeeF&Deej[erS DeefOeefve³ece; yeercee
efJeefve³eecekeÀ Deewj efJekeÀeme heéefOekeÀjCe (’DeeF&Deej[erS“) Üeje peejer efkeÀS ieS efJeefve³ece Deewj DeeosMe / heefjhe$e, Deewj nceves Fve DeeJeM³ekeÀleeDeeW Deewj
Dee®eej mebefnlee kesÀ Devegmeej nceejer Dev³e veweflekeÀ efpeccesoeefj³eeW keÀes hetje efkeÀ³ee nw~ nce ceeveles nQ efkeÀ nceves pees uesKee hejer#ee mee#³e heéhle efkeÀS nQ, Jes nceejer
je³e kesÀ mìQ[Deueesve efJeÊeer³e efJeJejCeeW kesÀ efueS DeeOeej heóeve keÀjves kesÀ efueS he³ee&hle Deewj Ghe³egÊeÀ nQ~
Dev³e met®evee
4 Dev³e met®eveeDeeW kesÀ efueS efveiece yees[& kesÀ meom³e efpeccesoej nQ~ Dev³e peevekeÀejer ceW Jeee|<ekeÀ efjheesì& ceW Meeefceue peevekeÀejer Meeefceue nw, uesefkeÀve FmeceW efJeÊeer³e
efJeJejCe Deewj nceejs uesKee hejer#ekeÀ keÀer efjheesì& Meeefceue veneR nw~ Fme uesKee hejer#ekeÀ keÀer efjheesì& keÀer leejerKe kesÀ yeeo Jeee|<ekeÀ efjheesì& nceW GheueyOe keÀjeS peeves
keÀer Gcceero nw~
efJeÊeer³e efJeJejCeeW hej nceejer je³e Dev³e peevekeÀejer keÀes keÀJej veneR keÀjleer nw Deewj nce Deeéeemeve efve<keÀ<e& kesÀ efkeÀmeer Yeer ªhe keÀes J³eÊeÀ veneR keÀjWies~
146
146
62 nd Annual Report
Independent Auditors’ Report

To The Life Insurance Corporation of India
Report on the Audit of Standalone Financial Statements

Opinion
1 We have audited the accompanying Standalone Financial Statements of Life Insurance Corporation of India ("the Corporation")
which comprise the Balance Sheet as at 31st March, 2019 for Life Insurance Business, Health Business, Pension Business, Capital
Redemption (including Annuity Certain), Annuity Business and Linked Business, and related Revenue Accounts for the Life Insurance
Business, Health Business, Pension Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business,
:& !
# #

N
N P

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< #&-¢ #
3; BJ #L
:$, M2 #20G; BJ #HH

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/

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& #/02GPd hQ# ! ; #2999
PM2
2999QPd !;dQ# ! ; P
-, =
Report of Insurance Companies) Regulations, 2002 ("the Regulations") in the manner so required and give a true and fair view in
conformity with accounting principles generally accepted in India:
Q
+ , #

I
&
+ # ( + #
Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business as at 31st March, 2019;
ii) In the case of the Revenue Accounts, Surplus, of the Corporation including Life Insurance Business, Health Business, Pension
Business, Capital Redemption (including Annuity Certain), Annuity Business and Linked Business for the year ended 31st March,
2019;
Q
:& #

#
L2st March, 2019; and
iv) In the case of the Receipt and Payment Account, of the Receipts and Payments for the year ended 31st<#/029
Basis for Opinion

3 A , P, Q

PQB
=

A

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P¨!;hQ

"
A J

Other Information
M = +
<

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cetu³eebkeÀve keÀjvee~
148
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62 nd Annual Report

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When we read the annual report, if we conclude that there is a material misstatement therein, we will communicate the matter to those

Responsibilities of Management for Standalone Financial Statements

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iv) HeýebOeve êeje GHe³eesie keÀer ieF& efvejblejlee kesÀ efueS uesKeebkeÀve HeoOeefle keÀer GHe³egkeÌlelee Deewj HeéHle uesKee Hejer#ee mee#³e kesÀ DeeOeej hej efve<keÀ<e& efvekeÀeuevee
efkeÀ keÌ³ee efkeÀmeer Ieìvee ³ee MeleeX mes mebyebefOele keÀesF& cenlJehetCe& Deefveeq½elelee ceewpeto nw pees efveiece keÀer #ecelee hej cenlJehetCe& mebosn [eue mekeÀleer nw~ ³eefo nce
efve<keÀ<e& efvekeÀeueles nQ efkeÀ keÀesF& cenlJehetCe& Deefveeq½elelee ceewpeto nw, lees nceW mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW mebyebefOele Kegueemes kesÀ efueS Deheves uesKee hejer#ekeÀ
keÀer efjheesì& ceW O³eeve DeekeÀe|<ele keÀjves keÀer DeeJeM³ekeÀlee nesieer, ³ee keÌ³ee nceejer je³e keÀes mebMeesefOele keÀjves kesÀ efueS Fme lejn kesÀ Kegueemes Dehe³ee&hle nQ~ nceejs
efve<keÀ<e& nceejs uesKee hejer#ekeÀ keÀer efjheesì& keÀer leejerKe lekeÀ heéhle uesKee hejer#ee mee#³e hej DeeOeeefjle nQ~ neueebefkeÀ, YeefJe<³e ceW nesves Jeeueer IeìveeSb ³ee eqmLeefle³eeb
efveiece keÀer efvejblejlee keÀes meceehle keÀj mekeÀleer nw~
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Deblee|veefnle uesveosve Deewj IeìveeDeeW keÀes Fme lejerkesÀ mes oMee&les nQ pees efve<he#e he´mlegefle heéhle keÀjles nQ~Q~
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hejer#ee mee#³e heéhle keÀjvee~ nce Gve ceb[uees / MeeKeeDeeW / FkeÀeF³eeW kesÀ efJeÊeer³e efJeJejCeeW keÀer efoMee, he³e&Jes#eCe Deewj heóMe&ve kesÀ efueS efpeccesoej nQ, efpeveceW nce
mJeleb$e uesKee hejer#ekeÀ nQ~ mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW Meeefceue Dev³e ceb[uees / MeeKeeDeeW / FkeÀeF³eeW kesÀ efueS, efpevnW Dev³e uesKee hejer#ekeÀeW Üeje uesKee
hejeref#ele efkeÀ³ee ie³ee nw, ³ee Ssmeer Dev³e DeHeefjef#ele MeeKeeSB efpevnW heýebOeve Üeje hećeeefCele efkeÀ³ee ie³ee nw, pees efoMee, he³e&Jes#eCe Deewj heóMe&ve kesÀ efueS ef]peccesoej
jnles nQ nce Deheveer uesKee hejer#ee je³e kesÀ efueS hetjer lejn efpeccesoej nQ~
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efpemeceW DeebleefjkeÀ efve³eb$eCe ceW keÀesF& cenlJeHegCe& keÀefce³ee Meeefceue nw, efpemes nce DeHeves DebkesÀ%eCe kesÀ oewjeve Hen®eeveles nw~
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DeeJeM³ekeÀleeDeeW kesÀ meeLe Devegheeueve efkeÀ³ee nw~ nce Gve meYeer efjMleeW Deewj Dev³e ceeceueeW peer keÀer nceejer mJeleb$elee keÀes HeÝeeefJele keÀj mekeÀles nw, Deewj peneb
ueeiet nes, mebyebefOele megj#ee Ghee³e kesÀ yeejs ceW yeleeles nw~
Dev³e ceeceues
10 nceves efveiece kesÀ mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW Meeefceue 641 MeeKeeDeeW kesÀ efJeÊeer³e efJeJejCeeW / met®eveeDeeW keÀe uesKee-Heefj#eCe veneR efkeÀ³ee nw, pewmee efkeÀ
mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW ceevee ie³ee nw / Fve MeeKeeDeeW keÀer peevekeÀejer keÀes MeeKee ³ee ceb[ue kesÀ DebkeÀes#ekeÀes Üeje uesKee hejeref#ele efkeÀ³ee ie³ee nw~
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MeeKee kesÀ uesKee hejer#eekeÀeW keÀer efjheesì& hej DeeOeeefjle nw~
11 nceves efveiece kesÀ mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW Meeefceue 1366 MeeKeeDeeW kesÀ efJeÊeer³e efJeJejCeeW / met®eveeDeeW keÀer uesKee hejer#ee veneR keÀer nw, efpevekesÀ iewj-uesKee
hejeref#ele efJeÊeer³e efJeJejCe / efJeÊeer³e peevekeÀejer, pewmee efkeÀ mìQ[Deueesve efJeÊeer³e efJeJejCeeW ceW ceevee peelee nw / Fve MeeKeeDeeW keÀer peevekeÀejer HeýeOeve Üeje
HećeeefCele keÀer ieF& nw, Deewj Fve MeeKeeDeeW kesÀ mebyebOe ces Meeefceue jeefMe³eeW Deewj KegueemeeW meW mebyebefOele Deye lekeÀ efkeÀ nceejer je³e Hegjer lejn mes HeýebOeve Üeje oer
ieF& DeHejeref#ele efJelleer³e efJeJejCeeW/efJelleer³e peevekeÀejer Hej DeeOeejerle nww~
Dev³e uesKee hejer#ekeÀeW Deewj iewj-Hejeref#ele MeeKeeDeeW kesÀ mebyebOe ceW kegÀue mebheefÊe Deewj kegÀue jepemJe keÀer peevekeÀejer Deueie mes mebkeÀefuele veneR keÀer peeleer nw keÌ³eeWefkeÀ
ceb[uees keÀes he´l³eskeÀ MeeKee keÀe kesÀJeue leueHeì heéhle neslee nw pees ceb[ue mlej hej Deewj GmekesÀ yeeo #esef$e³e mlej hej mecesefkeÀle nesles nQ~
12 oeef³elJees keÀe yeerceebefkeÀkeÀ cegu³eekebÀve efveiece kesÀ efve³egÊeÀ yeerceebkeÀkeÀ (èfve³egÊeÀ yeerceebkeÀkeÀ') keÀer efpeccesoejer nw~ efve³egÊeÀ yeerceebkeÀkeÀ ves 31 cee®e&, 2019 lekeÀ keÀer
Hee@efueefme³eeWW keÀers os³elee kesÀ yeerceebkeÀkeÀ cegu³eekebÀve keÀes efJeefOeJele hećeeefCele efkeÀ³ee nw Deewj GvekeÀer je³e ceW Fme lejn keÀe cegu³eekebÀve yeercee efve³eecekeÀ efJekeÀeme
heéefOekeÀjCe Deewj Fbmìerìîetì Dee@HeÀ SkeÌ®egDejerpe Üeje peejer efoMee-efveoxMeeW Deewj ceeveob[eW kesÀ Devegmeej nQ~ nceves efveiece kesÀ efJeÊeer³e efJeJejCeeW kesÀ yeejs ceW Deheveer
je³e yeveeves kesÀ efueS Fme mebyebOe ceW efve³egÊeÀ yeerceebkeÀkeÀ JesÀ hećeeCehe$e hej Yejesmee efkeÀ³ee nw~w~
Fve ceeceueeW kesÀ mebyebOe ceW nceejer je³e mebMeesefOele veneR nw~
150
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62 nd Annual Report
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Dev³e keÀevetveer Deewj efve³eecekeÀ DeeJeM³ekeÀleeDeeW hej efjheesì&

13 i) yeercee efve³eecekeÀ Deewj efJekeÀeme heéefOekeÀjCe (efJeÊeer³e efJeJejCe keÀer lew³eejer Deewj yeercee kebÀheefve³eeW keÀe uesKee hejer#ee heéfleJesove) efJeefve³eceve, 2002 kesÀ lenle
DeeJeM³ekeÀ nw, nce efjheesì& keÀjles nQ efkeÀ :
keÀ) nceves Gve meYeer met®eveeDeeW Deewj mheäerkeÀjCeeW keÀes heéhle efkeÀ³ee nw pees nceejs uesKee hejer#ee kesÀ GÎsM³eeW nsleg nceejs %eeve Deewj meJeexÊece efJeéeeme kesÀ DeeOej hej
DeeJeM³ekeÀ Les Deewj FvnW meblees<epevekeÀ hee³ee ie³ee nw;
Ke) nceejer je³e ceW Deewj nceejer meJeexÊece peevekeÀejer leLee efo³es ie³es mHe<ìerkeÀjCeeW kesÀ Devegmeej, Keeles keÀer Gef®ele hegmlekeÀeW keÀes efveiece Üeje yeveeS jKee ie³ee
nw, peneb lekeÀ ³en Gve hegmlekeÀeW keÀer nceejer uesKee hejer#ee mes he´keÀì neslee nw;
ie) nceejer je³e ceW, ceb[ue keÀe³ee&ue³eeW Deewj MeeKeeDeeW kesÀ mecegef®ele uesKee hejeref#ele Deewj DeuesKee hejeref#ele efJeJejefCe³eeB oesveeW nQ Deewj GvnW uesKee hejer#ee kesÀ GÎsM³e
kesÀ efueS he³ee&hle hee³ee ie³ee nw;
Ie) Fme efjheesì& Üeje efo³es ie³es legueveHe$e, jepemJe Keelee, ueeYe Deewj neefve Keelee Deewj heéeqhle Deewj Yegieleeve Keelee, uesKee HegmlekeÀeW SJeb efJeJejefCe³eeW kesÀ
DevegjÀHe nQ;
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Üeje peejer yeercee DeefOeefve³ece, efJeefve³eceeW Deewj DeeosMeeW / efveoxMeeW kesÀ heéJeOeeveeW kesÀ Devegmeej efkeÀ³ee ie³ee nw;
í) nceejer je³e ceW Deewj nceejer meJeexÊece peevekeÀejer kesÀ Devegmeej Deewj nceW efoS ieS mheäerkeÀjCe kesÀ Devegmeej, efveiece Üeje DeheveeF& ieF& uesKeebkeÀve veerefle³eeb
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152
62 nd Annual Report
Report on Other Legal and Regulatory Requirements

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154
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62 nd Annual Report
INDEPENDENT AUDITOR’S CERTIFICATE

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62 nd Annual Report

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Current Year
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶
Particulars Schedule Non-linked Business Linked Business
^maV ‘| ^maV Ho$ ~mha ^maV ‘| ^maV Ho$ ~mha
In India Out of India In India Out of India
{Z{Y¶m| H$m ómoV SOURCES OF FUNDS
eo¶aYmaH$m| H$s {Z{Y¶m±: SHAREHOLDERS' FUNDS:
eo¶a ny±Or SHARE CAPITAL 5 10000.00 0.00 0.00 0.00
Ama{jV{Z{Y Ed§ A{Yeof

RESERVES AND SURPLUS 6 28115.27 27345.23 0.00 0.00
O‘m/(Zm‘|) ghr ‘yë¶ n[adV©Z boIm

CREDIT/(DEBIT) FAIR VALUE CHANGE ACCOUNT 0.00 2407.86 0.00 0.00
Cn-¶moJ / Sub-Total 38115.27 29753.09 0.00 0.00
CYmar BORROWINGS 7 0.00 0.00 0.00 0.00
nm°{bgrYmaH$m| H$s {Z{Y¶m± POLICYHOLDERS' FUNDS:
O‘m/(Zm‘|) ghr ‘yë¶ n[adV©Z boIm

CREDIT/(DEBIT) FAIR VALUE CHANGE ACCOUNT 21312572.25 5855.36 359418.28 0.00
nm°{bgr Xm{¶Ëd
POLICY LIABILITIES 275137790.28 293465.29 3239847.08 92.92
~§X nm°{b{g¶m| Ho$ {b¶o {Z{Y

FUNDS FOR DISCONTINUED POLICIES
àr{‘¶‘ ^wJVmZ Zm H$aZo Ho$ H$maU amoH$ XoZm

Discontinued on account of non payment of premium 0.00 0.00 3271.05 0.00
AÝ` others 0.00 0.00 1906.95 0.00
{~‘m Ama{jV{Z{Y
INSURANCE RESERVES 6A 939927.06 38416.12 0.00 18.43
g§~Õ Xm{¶Ëdm| Ho$ {bE àmdYmZ

PROVISION FOR LINKED LIABILITIES 0.00 0.00 4155103.57 5695.56
Cn-¶moJ / Sub-Total 297390289.59 337736.77 7759546.93 5806.91
^{dî¶ {d{Z¶moOZm| Ho$ {bE {Z{Y¶m±

FUNDS FOR FUTURE APPROPRIATIONS 0.00 0.00 17.29 0.00
Hw$b/ TOTAL 297428404.86 367489.86 7759564.22 5806.91
{Z{Y¶m| H$m à¶moJ / APPLICATION OF FUNDS
{Zdoe / INVESTMENTS
eo¶aYmaH$m| Ho$ / Shareholders' 8 20856.33 42805.60 0.00 0.00
nm°{bgrYmaH$m| Ho$ /Policyholders' 8A 275033684.79 321261.40 0.00 0.00
g§~Õ Xm{¶Ëd a{jV H$aZo Ho$ {bE n[agån{V¶m±

ASSETS HELD TO COVER LINKED LIABILITIES 8B 0.00 0.00 7562529.73 5607.46
158
158
62 nd Annual Report
FORM A- BS
Name of the Insurer: Life Insurance Corporation of India
Registration No. : 512 Dated 01.01.2001
(` bmImo§ _o§)
BALANCE SHEET AS AT 31ST MARCH, 2019 (` in lakhs)
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Current Year Previous Year
Hw$b J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b
Total Non-linked Business Linked Business Total
10000.00 10000.00 0.00 0.00 0.00 10000.00
55460.50 27202.82 25474.93 0.00 0.00 52677.75
2407.86 0.00 2359.50 0.00 0.00 2359.50
67868.36 37202.82 27834.43 0.00 0.00 65037.25
0.00 0.00 0.00 0.00 0.00 0.00
21677845.89 19356098.91 5903.94 311346.49 0.00 19673349.34
278671195.57 250123339.72 276574.65 2956428.72 114.61 253356457.70
3271.05 0.00 0.00 2403.77 0.00 2403.77
1906.95 0.00 0.00 2440.57 0.00 2440.57
978361.61 941003.92 28773.50 0.00 19.87 969797.29
4160799.13 0.00 0.00 5086812.90 5214.37 5092027.27
305493380.20 270420442.55 311252.09 8359432.45 5348.85 279096475.94
17.29 0.00 0.00 7.79 0.00 7.79
305561265.85 270457645.37 339086.52 8359440.24 5348.85 279161520.98
63661.93 20867.65 37712.10 0.00 0.00 58579.75
275354946.19 251262194.89 292761.82 0.00 0.00 251554956.71
7568137.19 0.00 0.00 8808227.66 5130.67 8813358.33
159
\ m_© E-~rEg
31 ‘mM©, 2019 VH$ H$m VwbZ-nÌ
Mmby df©
Current Year
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶
Particulars Schedule Non-linked Business Linked Business
F$U / LOANS 9 10412341.20 18436.53 1477.29 0.00
AMb n[agån{Îm¶m± FIXED ASSETS 10 286813.89 1586.19 0.00 0.00
Mmby n[agån{Îm¶m± CURRENT ASSETS
amoH$‹S> Ed§ ~¢H$ ‘| A{Veof Cash and Bank Balances 11 4212234.02 5433.59 144.97 0.00
A{J«_ Ed§ AÝ` n[agån{Îm¶m± Advances and Other Assets 12 13182026.96 4344.47 69476.37 0.00
Cn-¶moJ (H$) Sub-Total (A) 17394260.98 9778.06 69621.34 0.00
Mmby Xm{¶Ëd CURRENT LIABILITIES 13 3959521.81 26043.30 (125935.86) (199.45)
àmdYmZ PROVISIONS 14 1760030.52 334.62 0.00 0.00
Cn-¶moJ /Sub-Total (B) 5719552.33 26377.92 (125935.86) (199.45)
ewÕ Mmby n[agån{Îm¶m± J), (H - I)

NET CURRENT ASSETS (C) = (A - B)
11674708.65 (16599.86) 195557.20 199.45
{d{dY ì¶¶ (Omo~QQo ImVo ‘| Z S>mbo JE hmo ¶m g‘m¶mo{OV Z {H ò Jò hm|)

MISCELLANEOUS EXPENDITURE
P N I¢ Q 15 0.00 0.00 0.00 0.00
bm^-hm{Z boIm ‘| Zm‘| eof (eo¶aYmaH$m| H$m ImVm)

DEBIT BALANCE IN PROFIT & LOSS ACCOUNT (Shareholders'
Account) 0.00 0.00 0.00 0.00
Hw$b / Total 297428404.86 367489.86 7759564.22 5806.91
Contingent Liabilities (AmH$pñ_H$ Xo`VmE§) 15 A (B) 1.
‘hÎdnyU© boIZr{V¶m± VWm boImo H$r {Q>ßn{U¶m± 15 H$

, :% 15A
Cn`w©º$ AZwgwM`m± Ed§ ZmoQg Qy AH$mC§Q VwbZnÌ Ho$ A{^Þ A§J h¡.
Schedules referred to above and the Notes to the Accounts are
integeral part of Balance Sheet.
h_mar Cg VmarI dmbr {anmoQ© Ho$ AZwgma

IÊS>odmb O¡Z E§S> H§$. Ho$ {bE Ama. Or. EZ. n«mB©g E§S> H§$. Ho$ {bE EEgE E§S> Agmo{g¶Q²>g EbEbnr Ho$ {bE
For Khandelwal Jain & Co. For R. G. N. Price & Co. For ASA & Associates LLP
Chartered Accountants Chartered Accountants Chartered Accountants
F.R.N. / 105049W F.R.N/002785S F.R.N./009571N/N500006
e¡boe emh (nmQ>©Za) E. Ama. nmW©gmaWr (nmQ>©Za) àdrU Hw$‘ma (nmQ>©Za)
Shailesh Shah (Partner) A. R. Parthasarathy (Partner) Parveen Kumar (Partner)
g.H«$./M.No.033632 g.H«$./ M.No. 205702 g.H«$./M.No. 088810
Eg Ho$ H$nya E§S H§$ Ho$ {bE Eg. Eb. NmOoμS E§S> H§$. Ho$ {bE dr. qgKr E§S> Agmo{gEQ²>g Ho$ {bE
For S.K. Kapoor & Co. For S. L. Chhajed & Co. For V. Singhi & Associates
Chartered Accountants Chartered Accountants Chartered Accountants
F.R.N./000745C F.R.N./000709C F.R.N./311017E
dr. ~r. qgK (nmQ>©Za) Eg. EZ. e_m© (nmQ>©Za) A{ZéÕm goZJwám (nmQ>©Za)
V. B. Singh (Partner) S. N. Sharma (Partner) Aniruddha Sengupta (Partner)
g.H«$./M.No. 073124 g.H«$./ M.No. 071224 g.H«$. M.No.051371
E~rE_ E§S> Agmo{gEQ²>g Eb Eb nr. Ho$ {bE ~r Jwám E§S> H§$ Ho$ {bE C‘m‘hoída amd E§S> H§$. Ho$ {bE MVwo©doXr E§S emh Eb Eb nr. Ho$ {bE
For abm & associates LLP For B Gupta & Co. For Umamaheswara Rao & Co. For Chaturvedi & Shah
Chartered Accountants Chartered Accountants Chartered Accountants Chartered Accountants LLP
F.R.N./105016W/W-100015 F.R.N./000933C F.R.N./004453S F.R.N./101720W/W100355
A{œZ ~r. _moMo© (nmQ>©Za) Eg nr {gÝhm (nmQ>©Za) H¥ îUm gmB© Or. EM (nmQ>©Za) {dO¶ Znmdm{b¶m (nmQ>©Za)
Ashwin B. Morche (Partner) S.P. Sinha (Partner) Krishna Sai G. H. ( Partner ) @¢%P Q
g.H«$./ M.No. 104126 g.H«$. M.No. 014854 g.H«$./M.No. 233399 g.H«$./M.No. 109859
‘w§~B©… 14 OyZ, 2019 gZXr boImH$ma
Mumbai: 14th June, 2019 CHARTERED ACCOUNTANTS
160
160
62 nd Annual Report
FORM A- BS
BALANCE SHEET AS AT 31ST MARCH, 2019

10432255.02 10257559.02 15678.34 1742.97 0.00 10274980.33
288400.08 273467.44 1418.71 0.00 0.00 274886.15
4217812.58 2255348.21 10604.73 2100.11 0.00 2268053.05
13255847.80 11181001.26 5137.51 67995.59 0.00 11254134.36
17473660.38 13436349.47 15742.24 70095.70 0.00 13522187.41
3859429.80 3073533.11 23938.83 520626.09 (218.18) 3617879.85
1760365.14 1719259.99 287.86 0.00 0.00 1719547.85
5619794.94 4792793.10 24226.69 520626.09 (218.18) 5337427.70
11853865.44 8643556.37 (8484.45) (450530.39) 218.18 8184759.71
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
305561265.85 270457645.37 339086.52 8359440.24 5348.85 279161520.98
E_. Ama. Hw$_ma AÜ¶j

M. R. Kumar Chairman
Qr. gr gwerb H$w_ma à~§Y {ZXoeH$

T. C. Suseel Kumar Managing Director
ho_§V ämmJ©d
}
Hemant Bhargava
{ZJ‘ Ho$ gXñ¶
Members of the Corporation
E{bg Or d¡X`Z
Alice G. Vaidayan
ew^m§Jr g§. gmo_U n«_wI ({dÎm Ed§ boIm)

Shubhangi S. Soman Chief (F&A)
{XZoe n§V {Z¶wº$ ~r‘m§H$H$

Dinesh Pant Appointed Actuary
161
’$m°‘© E-AmaE
31 ‘mM© 2019 H$mo g‘má df© Ho$ {bE amOñd ImVm
REVENUE ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2019
^maV _o§ {H$ò JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS IN INDIA
{ddaU AZwgwMr J¡a-g§~Õ ì¶dgm¶

Particulars Schedule Non-Linked Business
OrdZ ì`dgm` noÝeZ ì`dgm`

Life Business Pension Business
gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
Participating Non-Participating Participating Non-Participating
A{O©V ewÕ àr{‘¶‘ Premiums earned - net
(H$) {à{‘¶‘
(a) Premium 1 21941276.53 4350960.13 71137.26 4357142.58
(I) nwZ~u‘m A§VaU

(b) Reinsurance ceded (10945.81) (14242.02) (17.38) 0.00
(J) nwZ~u‘m ñdrH$ma

(c) Reinsurance accepted 0.00 0.00 0.00 0.00
Cn-¶moJ / Sub-Total 21930330.72 4336718.11 71119.88 4357142.58
{Zdoe go Am¶/ Income from Investments

(H$) ã¶mO, bm^m§e Ed§ {H$am¶m, Hw$b
(a) Interest, Dividends & Rent - Gross 14136593.90 1827506.64 217567.97 2284033.76
(I) {Zdoe Hr {~H«$s / ‘moMZ na bm^

PQ \
2238263.96 130461.65 1614.83 86190.53
(J) ({Zdoe Hr {dH«$s / ‘moMZ na hm{Z)

(c) (Loss on sale/redemption of investments) (135892.50) (13607.82) (1373.12) (30940.82)
(K) nwZ‘y©ë¶mH§$Z/ghr ‘yë¶ n[adV©Z na A§VaU/bm^*

(d) Transfer/Gain on revaluation/change in fair value* 0.00 0.00 0.00 0.00
(L>) AÝ¶ Am¶ (e) Other Income

(i) am{e¶m± Amounts written back 6413.19 (35.21) (2.71) 0.00
(ii) ‹’w$Q>H$a àm{á¶m± Sundry Receipts 29866.65 41729.07 0.14 6224.08
Hw$b (H$) TOTAL (A) 38205575.92 6322772.44 288926.99 6702650.13
H$‘reZ Commission 2 1877328.94 10347.28 1536.80 2.33
~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ IM©

Operating Expenses related to Insurance Business 3 2730304.29 87349.57 6584.67 5287.67
{QßnUr … CnamoŠV AmH$Smo§ _o§ g§~Û ì`dgm` _o§ J¡a-gh^mJr `moOZmE§ h¡, O¡go ~r_m ßbg, â`yMa ßbg, OrdZ ßbg, _Zr ßbg, _mHo$©Q ßbg, \ m°À`w©Z ßbg, n«m°{\ Q ßbg, _Zr ßbg-1,_mH©o$Q ßbg-1,
MmB©ëS \ m°À`wZ ßbg, OrdZ gmWr ßbg, doëW ßbg, noÝeZ ßbg, EÝSmo_oÝQ ßbg, g_¥pÜX ßbg, âboŠgr ßbg, hoëW ßbg, hoëW n«moQoŠeZ ßbg, J¡MwQr ßbg, Ý`y EÝSmo_oÝQ ßbg VWm gwna A°Ý`wEeZ
ßbg&
% [ &' &' +
4 #+ #- #? #< #<' #
- # #< 2#<' 2#- #? , #A # #" #, #- N #(
Plus, Health Protection Plus, New Endowment Plus, Gratuity Plus and Superannuation Plus
162
162
62 nd Annual Report
FORM A- RA
nm°{b{gYmaH$mo§ H$m boIm (VH$ZrH$r boIm)

Policyholders’ Account (Technical Account)
(` bmImo§ _o§)
(` in lakhs)
J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶ Hw$b (Mmby df©)
Non-Linked Business Linked Business Total (Current Year)
dm{f©H$r ì`dgm` hoëW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b (Mmby df©)
Annuity Business Health Business Non-Linked Total (Current Year)
gh^mJr J¡a-gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
Participating Non-Participating Non-Participating Participating Non-Participating Non-Participating Participating Non-Participating
512900.69 2368929.69 29783.61 22525314.48 11106816.01 80627.34 22525314.48 11187443.35
0.00 0.00 (5437.00) (10963.19) (19679.02) (1270.65) (10963.19) (20949.67)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
512900.69 2368929.69 24346.61 22514351.29 11087136.99 79356.69 22514351.29 11166493.68
287316.73 596921.88 2461.26 14641478.60 4710923.54 414426.64 14641478.60 5125350.18
39874.63 29493.41 1.19 2279753.42 246146.78 467977.97 2279753.42 714124.75
(1102.39) (2797.56) (6.26) (138368.01) (47352.46) (441128.30) (138368.01) (488480.76)
0.00 0.00 0.00 0.00 0.00 115785.88 0.00 115785.88
(1.42) (5.27) 0.00 6409.06 (40.48) 0.00 6409.06 (40.48)

0.66 0.19 1.69 29867.45 47955.03 7.46 29867.45 47962.49
838988.90 2992542.34 26804.49 39333491.81 16044769.40 636426.34 39333491.81 16681195.74
9.75 32763.11 4556.96 1878875.49 47669.68 2163.09 1878875.49 49832.77
5559.87 44928.29 12600.17 2742448.83 150165.70 21524.87 2742448.83 171690.57
163


AÝ` ì`` … {d{Z`_ Other Expenses: Exchange 29.72 0.00 0.00 0.00
{Z{Y n«~§YZ n«^ma Ed§ AÝ` n«^ma na godm H$a/dñVw Ed§ godm H$a
Service Tax /GST on Fund Management charges & other
charges 0.00 0.00 0.00 0.00
g§{X½Y F$Umo§ Ho$ {bE n«mdYmZ
Provisions for Doubtful debts
343912.44 49.43 20.72 (2.99)
H$amYmZ Ho$ {bE n«mdYmZ Provisions for taxation 770961.57 0.00 0.00 0.00
n«mdYmZ (H$amYmZ Ho$ A{V{aŠV)
Provisions (other than taxation)
(H$) {Zdoe Ho$ _yë` (ewÕ) _o§ H$_r Ho$ {bE

(a) For diminution in the value of investments (Net) 131170.41 0.00 (0.18) (373.70)
(I) Amdí`H$ emoYj_Vm gr_m Ho$ {bE n«mdYmZ

(b) Provision for Required Solvency Margin 0.00 0.00 0.00 0.00
(J) AÝ` (c) Others 39412.19 171675.71 (722.78) 9901.37
Hw$b (I)/ TOTAL (B) 5893119.56 269421.99 7419.23 14814.68
AXm {H$`m J`m bm^ (ewÕ)

+ P% Q 4 14916124.45 3422320.34 181651.71 4041263.67
AXm {H$`m J`m A§V{a_ ~moZg

Interim Bonuses Paid 164907.07 0.00 23.97 0.00
OrdZ nm°{b{g`mo§ Ho$ g~§Õ _o§ Xm{`Ëd _yë`m§H$Z _o§ n{adV©Z

Change in valuation of liability in respect of life policies
(H$) Hw$b** (a) Gross** 16965699.92 2631030.11 99832.08 2646571.78
(I) nwZ~r©_m _o§ A§V{aV am{e

(b) Amount ceded in Reinsurance 0.00 0.00 0.00 0.00
(J) nwZ~r©_m _o§ ñdrH¥$V am{e

(c) Amount accepted in Reinsurance 0.00 0.00 0.00 0.00
g~§Õ Xo`VmAmo§ Ho$ n«mdYmZ _o§ A§VaU

Transfer to provision for Linked Liabilities 0.00 0.00 0.00 0.00
^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ _o§ A§VaU

Transfer to Funds for Future Appropriations 0.00 0.00 0.00 0.00
~§X H$aZo {Z{Y`mo§ H$mo A§VaU

Transfer to Funds for Discontinued Fund
Hw$b (J)/TOTAL (C) 32046731.44 6053350.45 281507.76 6687835.45
A{Yeof/(KmQm) (K)=(H$)-(I)-(J)
SURPLUS/(DEFICIT) (D) = (A)-(B)-(C) 265724.92 0.00 0.00 0.00
{d{Z`moOZ/APPROPRIATIONS
eoàYmaH$mo§ Ho$ boIm _o§ A§VaU
Transfer to Shareholders' Account
265724.92 0.00 0.00 0.00
AÝ` Ama{jV {Z{Y`mo§ _o§ A§VaU$
Transfer to Other Reserves
0.00 0.00 0.00 0.00
^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ H$mo A§VaU
Balance being Funds for Future Appropriations
0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 265724.92 0.00 0.00 0.00
164
164
62 nd Annual Report


dm{f©H$r ì`dgm` hobW ì`dgm` J¡a-g§~Õ ì¶dgm¶
Annuity Business Health Business Non-Linked Business
0.00 0.00 0.00 29.72 0.00 0.00 29.72 0.00
0.00 0.00 0.00 0.00 0.00 10978.11 0.00 10978.11
(3.39) (1.33) 0.00 343929.77 45.11 3173.00 343929.77 3218.11

0.00 0.00 0.00 770961.57 0.00 0.00 770961.57 0.00
0.00 0.00 0.00 131170.23 (373.70) 3288.09 131170.23 2914.39
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(95.89) 590.45 8.00 38593.52 182175.53 0.00 38593.52 182175.53
5470.34 78280.52 17165.13 5906009.13 379682.32 41127.16 5906009.13 420809.48
310619.13 773744.40 1739.54 15408395.29 8239067.95 1242989.38 15408395.29 9482057.33
0.00 0.00 0.00 164931.04 0.00 0.00 164931.04 0.00
522899.43 2140517.42 7899.82 17588431.43 7426019.13 283418.36 17588431.43 7709437.49
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 (931709.33) 0.00 (931709.33)
0.00 0.00 0.00 0.00 0.00 9.50 0.00 9.50
591.27 0.00 591.27

833518.56 2914261.82 9639.36 33161757.76 15665087.08 595299.18 33161757.76 16260386.26
0.00 0.00 0.00 265724.92 0.00 0.00 265724.92 0.00
0.00 0.00 0.00 265724.92 0.00 0.00 265724.92 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 265724.92 0.00 0.00 265724.92 0.00
165
(` bmImo§ _o§)
166
df© Ho$ Xm¡amZ Hw$b A{Yeof OrdZ ì`dgm` noÝeZ ì`dgm` dm{f©H$r ì`dgm` hobW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b
(Mmby df©)
gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
(H$) A§V[a‘ ~moZg 164907.07 0.00 23.97 0.00 0.00 0.00 0.00 164931.04 0.00
(I) nm°{b{gYmaH$m| H$mo ~moZg H$m Am~§Q>Z : 5030156.63 0.00 18467.80 0.00 149.11 0.00 0.00 5048773.54 0.00
(J) amOñd boIm ‘| Xem©¶m J¶m A{Yeof 265724.92 0.00 0.00 0.00 0.00 0.00 0.00 265724.92 0.00
(K) Hy$b A{Yeof (H$+I+J): 5460788.62 0.00 18491.77 0.00 149.11 0.00 0.00 5479429.50 0.00
* àm{YH$aU Ûmam {d{Z{X©ï ‘mZXÊS>mo Ho$ AZwgma ‘mZm hþAm àmß¶ bm^ Xem©Vm h¡&
** ~moZg Am~§Q>Z Ho$ ~mX J{UVr¶ Ama{jV {Z{Y Xem©Vm h¡&
O¡gm {H$ ~r‘m A{Y{Z¶‘ 1938 {H$ Ymam 40-I (4) Ho$ AZwgma dm§{YV h¡, h‘ à‘m{UV H$aVo h¡ {H$ h‘mar gdm}Îm‘ OmZH$mar Am¡a {dídmg Ho$ AZwgma VWm h‘o§ hr Xr JB© gyMZm Am¡a ñdrH$aU Ho$ AZwgma Am¡a O¡gm {H$ h‘| {ZJ‘ {H$ ImVm
~m{h¶m| Ho$ narjU go bJmVm h¡&
(H$) {ZJ‘ Ûmam g§nm{XV OrdZ ~r‘m ì¶dgm¶ go g§~§{YV g^r à~ÝY ì¶¶ amOñd ImVo ‘| - gh^mJr / J¡a-gh^mJr nyar Vah ì¶d¶º$ Zm‘o {H$E h¡&
(I) {Z‘JÛmam g§nm{XV VWm g§~Õ ì¶dgm¶ VWm Ag§~Õ ì¶dgm¶ go g§~§{YV g‘ñV à^ma, g§~§{YV amOñd ImVm| ‘| nyar Vah Zm‘| {H$E J¶E h¡&
Cna{b{IV AZwgy{M¶m± amOñd boIm Ho$ A§J^yV ^mJ h¡&
166
(` in lakhs)
Total Surplus during the year Life Business Pension Business Annuity Business Health Non-Linked Total
Business
Participating Non- Participating Non- Participating Non- Non- Participating Non-
Participating Participating Participating Participating Participating
(a) Interim Bonus: 164907.07 0.00 23.97 0.00 0.00 0.00 0.00 164931.04 0.00
(b) Allocation of Bonus to Policyholders: 5030156.63 0.00 18467.80 0.00 149.11 0.00 0.00 5048773.54 0.00
(c) Surplus shown in the Revenue accounts: 265724.92 0.00 0.00 0.00 0.00 0.00 0.00 265724.92 0.00
62 nd Annual Report
(d) Total Surplus [a+b+c]: 5460788.62 0.00 18491.77 0.00 149.11 0.00 0.00 5479429.50 0.00
!

** Represents Mathematical Reserves after allocation of bonus.
As required by Section 40-B(4) of the Insurance Act, 1938 we certify that to the best of our knowledge and belief and according to the information and explanations given to us and so far as appears from our
examination of the Corporation's books of accounts
(a) all expenses of management in respect of life insurance business transacted by the Corporation have been fully debited to the Revenue Account- Participating/Non-Participating as expenses.
(b) all charges incurred in respect of the Life Insurance Business transacted by the Corporation in respect of Non-Linked and Linked Business have been fully debited by the Corporation in the respective
Revenue Accounts.
The Schedules referred to above form an integral part of the Revenue Account.
167
’$m°‘© E-AmaE


(H$) {à{‘¶‘
(a) Premium 1 20706192.08 3226303.45 76304.95 5013300.67


Cn-¶moJ / Sub-Total 20689600.57 3210200.91 76279.52 5013300.67


PQ \
1881496.58 122569.65 456.49 75394.79
(J) ({Zdoe Hr {dH«$s / ‘moMZ na hm{Z)



(i) ~Å>o ImVo ‘| S>mbr am{e¶m± Amounts written back 4956.63 (5.94) (9.36) 0.00
Hw$b (H$) TOTAL (A) 35635832.08 4956620.45 287845.72 7118327.96
H$‘reZ Commission 2 1767336.11 9681.72 1413.19 4.85

ßbg &
% [ &' &' +
4 #+ #- #? #< #<' #
- # #< 2#<' 2#- #? , #A # #" #, #- N #(
168
168
62 nd Annual Report
FORM A- RA

(` bmImo§ _o§)
(` in lakhs)
dm{f©H$r ì`dgm` hobW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b (Mmby df©)
501935.22 2153302.01 23501.02 21284432.25 10416407.15 88438.43 21284432.25 10504845.58
0.00 0.00 (3202.06) (16616.94) (19304.60) (1269.36) (16616.94) (20573.96)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
501935.22 2153302.01 20298.96 21267815.31 10397102.55 87169.07 21267815.31 10484271.62
246678.56 480995.12 1744.02 13576276.29 4141036.56 472200.96 13576276.29 4613237.52
28270.51 22503.12 0.40 1910223.58 220467.96 720610.64 1910223.58 941078.60
(1039.67) (2315.76) (6.21) (99467.54) (42631.91) (47279.04) (99467.54) (89910.95)
0.00 0.00 0.00 0.00 0.00 (383964.38) 0.00 (383964.38)
(0.08) (0.06) 0.00 4947.19 (6.00) 0.00 4947.19 (6.00)

0.21 0.01 0.05 39727.72 35500.91 8.12 39727.72 35509.03
775844.75 2654484.44 22037.22 36699522.55 14751470.07 848745.37 36699522.55 15600215.44
11.10 36111.05 3570.40 1768760.40 49368.02 2406.44 1768760.40 51774.46
4492.28 45213.37 10765.70 2836157.65 152332.90 21931.53 2836157.65 174264.43
169


charges 0.00 0.00 0.00 0.00
274530.15 (4.59) (96.06) (2.99)

(a) For diminution in the value of investments (Net) 632.45 0.00 0.03 49.79

(J) AÝ` (c) Others 240993.46 68488.35 6477.24 40925.80
Hw$b (I)/ TOTAL (B) 5849496.65 168433.74 15038.71 47063.02

+ P% Q 4 12095516.77 2688340.13 162707.68 2367432.83


(H$) Hw$b** (a) Gross** 17293636.43 2099846.58 110076.45 4703832.11





Hw$b (J)/TOTAL (C) 29544441.03 4788186.71 272807.01 7071264.94
241894.40 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 241894.40 0.00 0.00 0.00
170
170
62 nd Annual Report


dm{f©H$r ì`dgm` hobW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b (Mmby df©)
0.00 0.00 0.00 5.93 0.00 0.00 5.93 0.00
0.00 0.00 0.00 0.00 0.00 19371.18 0.00 19371.18
19.15 121.70 0.00 274453.24 114.12 123.27 274453.24 237.39

0.00 0.00 0.00 741577.49 0.00 0.00 741577.49 0.00
0.00 0.00 0.00 632.48 49.79 923.44 632.48 973.23
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3823.93 3438.78 0.00 251294.63 112852.93 0.00 251294.63 112852.93
8346.46 84884.90 14336.10 5872881.82 314717.76 44755.86 5872881.82 359473.62
269381.48 585525.70 1747.43 12527605.93 5643046.09 1452446.74 12527605.93 7095492.83
0.00 0.00 0.00 155310.71 0.00 0.00 155310.71 0.00
498116.81 1984073.84 5953.69 17901829.69 8793706.22 311236.89 17901829.69 9104943.11
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 (959857.27) 0.00 (959857.27)
0.00 0.00 0.00 0.00 0.00 4.52 0.00 4.52
158.63 0.00 158.63

767498.29 2569599.54 7701.12 30584746.33 14436752.31 803989.51 30584746.33 15240741.82
0.00 0.00 0.00 241894.40 0.00 0.00 241894.40 0.00
0.00 0.00 0.00 241894.40 0.00 0.00 241894.40 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 241894.40 0.00 0.00 241894.40 0.00
171
(` bmImo§ _o§)
172

(H$) A§V[a‘ ~moZg 155287.83 0.00 22.88 0.00 0.00 0.00 0.00 155310.71 0.00
(K) Hy$b A{Yeof (H$+I+J): 4974917.21 0.00 18128.76 0.00 152.78 0.00 0.00 4993198.75 0.00
O¡gm {H$ ~r‘m A{Y{Z¶‘ 1938 {H$ Ymam 40-I (4) Ho$ AZwgma dm§{NV h¡, h‘ à‘m{UV H$aVo h¡ {H$ h‘mar gdm}Îm‘ OmZH$mar Am¡a {dídmg Ho$ AZwgma VWm h‘o§ hr Xr JB© gyMZm Am¡a ñdrH$aU Ho$ AZwgma Am¡a O¡gm {H$ h‘| {ZJ‘ {H$ ImVm
(I) {Z‘JÛmam g§nm{XV g§~Õ ì¶dgm¶ VWm Ag§~Õ ì¶dgm¶ go g§~§{YV g‘ñV à^ma, g§~§{YV amOñd ImVm| ‘| nyar Vah Zm‘| {H$E J¶E h¡&
(` in lakhs)
Business
(a) Interim Bonus: 155287.83 0.00 22.88 0.00 0.00 0.00 0.00 155310.71 0.00
!

Revenue Accounts.
172
62 nd Annual Report

IÊS>odmb O¡Z E§S> H§$. Ho$ {bE Ama. Or. EZ. n«mB©g E§S> H§$. Ho$ {bE E_. Ama. Hw$_ma AÜ¶j
For Khandelwal Jain & Co. For R. G. N. Price & Co. M. R. Kumar Chairman
F.R.N. / 105049W F.R.N/002785S
Shailesh Shah (Partner) A. R. Parthasarathy (Partner)
g.H«$./M.No.033632 g.H«$./ M.No. 205702
EEgE E§S Agmo{g¶Q²>g EbEbnr Ho$ {bE Eg Ho$ H$nya E§S H§$ Ho$ {bE Qr. gr gwerb H$w_ma à~§Y {ZXoeH$
For ASA & Associates LLP For S.K. Kapoor & Co. T. C. Suseel Kumar Managing Director
F.R.N./009571N/N500006 F.R.N./000745C
Parveen Kumar (Partner) V. B. Singh (Partner)
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
Eg. Eb. NmOoμS E§S> H§$. Ho$ {bE dr. qgKr E§S> Agmo{gEQ²>g Ho$ {bE ho_§V ämmJ©d
For S. L. Chhajed & Co. For V. Singhi & Associates Hemant Bhargava
F.R.N./000709C F.R.N./311017E {ZJ‘ Ho$ gXñ¶
Eg. EZ. e_m© (nmQ>©Za) A{ZéÕm goZJwám (nmQ>©Za) Members of the Corporation
S. N. Sharma (Partner) Aniruddha Sengupta (Partner)
E{bg Or d¡X`Z
g.H«$./ M.No. 071224 g.H«$. M.No.051371 Alice G. Vaidayan
Chartered Accountants Chartered Accountants ew^m§Jr g§. gmo_U n«_wI ({dÎm Ed§ boIm)
F.R.N./105016W/W-100015 F.R.N./000933C Shubhangi S. Soman Chief (F&A)
Ashwin B. Morche (Partner) S.P. Sinha (Partner)
g.H«$./ M.No. 104126 g.H«$. M.No. 014854
C‘m‘hoída amd E§S> H§$. Ho$ {bE MVwo©doXr E§S emh Eb Eb nr Ho$ {bE {XZoe n§V {Z¶wº$ ~r‘m§H$H$
For Umamaheswara Rao & Co. For Chaturvedi & Shah LLP Dinesh Pant Appointed Actuary
F.R.N./004453S F.R.N./101720W/W100355
Krishna Sai G. H. ( Partner ) @¢%P Q
g.H«$./M.No. 233399 g.H«$./M.No. 109859
gZXr boImH$ma
CHARTERED ACCOUNTANTS
‘w§~B©… 14 OyZ, 2019

Mumbai: 14th June, 2019
173
’$m°‘© E-AmaE
^maV Ho$ ~mha {H$ò JE ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF BUSINESS OUT OF INDIA


(H$) {à{‘¶‘
(a) Premium 1 35643.58 1383.32 0.00 0.00

(b) Reinsurance ceded (54.60) 0.00 0.00 0.00

Cn-¶moJ / Sub-Total 35588.98 1383.32 0.00 0.00

(I) {Zdoe H r {~H«$s / ‘moMZ na bm^

PQ \
1689.12 0.00 0.00 0.00
(J) {Zdoe H r {dH«$s / ‘moMZ na hm{Z

(c) (Loss on sale/redemption of investments) (734.78) 0.00 0.00 0.00


(i) ~Å>o ImVo ‘| S>mbr am{e¶m± Amounts written back (17.97) 0.00 0.00 0.00
Hw$b (H$) TOTAL (A) 61388.67 1399.84 0.00 0.00
H$‘reZ Commission 2 2384.64 26.48 0.00 0.00

ßbg &
% [ &' &' +
4 #+ #- #? #< #<' #
- # #< 2#<' 2#- #? , #A # #" #, #- N #(
174
174
62 nd Annual Report
FORM A- RA

(` bmImo§ _o§)
(` in lakhs)
0.00 0.00 0.00 35643.58 1383.32 722.38 35643.58 2105.70
0.00 0.00 0.00 (54.60) 0.00 0.00 (54.60) 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 35588.98 1383.32 722.38 35588.98 2105.70
0.00 0.00 0.00 22363.18 16.52 151.95 22363.18 168.47
0.00 0.00 0.00 1689.12 0.00 95.92 1689.12 95.92
0.00 0.00 0.00 (734.78) 0.00 (68.02) (734.78) (68.02)
0.00 0.00 0.00 2476.41 0.00 139.17 2476.41 139.17
0.00 0.00 0.00 (17.97) 0.00 0.00 (17.97) 0.00

0.00 0.00 0.00 23.73 0.00 (78.08) 23.73 (78.08)
0.00 0.00 0.00 61388.67 1399.84 963.32 61388.67 2363.16
0.00 0.00 0.00 2384.64 26.48 0.00 2384.64 26.48
0.00 0.00 0.00 4059.36 2.91 0.01 4059.36 2.92
175


charges 0.00 0.00 0.00 0.00
1.60 0.00 0.00 0.00


(J) AÝ` (c) Others 51.10 0.00 0.00 0.00
Hw$b (I)/ TOTAL (B) 7709.57 29.39 0.00 0.00

+ P% Q 4 37528.37 9.90 0.00 0.00


(H$) Hw$b** (a) Gross** 15610.17 1360.55 0.00 0.00





Hw$b (J)/TOTAL (C) 53344.48 1370.45 0.00 0.00
334.62 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 334.62 0.00 0.00 0.00
176
176
62 nd Annual Report


0.00 0.00 0.00 0.17 0.00 79.10 0.17 79.10
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 1.60 0.00 0.00 1.60 0.00

0.00 0.00 0.00 1212.70 0.00 9.51 1212.70 9.51
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 51.10 0.00 0.00 51.10 0.00
0.00 0.00 0.00 7709.57 29.39 88.62 7709.57 118.01
0.00 80.08 0.00 37528.37 89.98 415.20 37528.37 505.18
0.00 0.00 0.00 205.94 0.00 0.00 205.94 0.00
0.00 (80.08) 0.00 15610.17 1280.47 (21.69) 15610.17 1258.78
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 481.19 0.00 481.19
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00
0.00 0.00 0.00 53344.48 1370.45 874.70 53344.48 2245.15
0.00 0.00 0.00 334.62 0.00 0.00 334.62 0.00
0.00 0.00 0.00 334.62 0.00 0.00 334.62 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 334.62 0.00 0.00 334.62 0.00
177
(` bmImo§ _o§)
178
(H$) A§V[a‘ ~moZg 205.94 0.00 0.00 0.00 0.00 0.00 0.00 205.94 0.00
(K) Hy$b A{Yeof (H$+I+J): 6898.40 0.00 0.00 0.00 0.00 0.00 0.00 6898.40 0.00
178
(` in lakhs)
Business
(a) Interim Bonus: 205.94 0.00 0.00 0.00 0.00 0.00 0.00 205.94 0.00
62 nd Annual Report
!

Revenue Accounts.
179
’$m°‘© E-AmaE


(H$) {à{‘¶‘
(a) Premium 1 32416.71 89.20 0.00 0.00

(b) Reinsurance ceded (30.79) 0.00 0.00 0.00

Cn-¶moJ / Sub-Total 32385.92 89.20 0.00 0.00


PQ \
1396.85 0.00 0.00 0.00
(J) ({Zdoe H r {dH«$s / ‘moMZ na hm{Z)

(c) (Loss on sale/redemption of investments) (188.31) 0.00 0.00 0.00


(i) ~Å>o ImVo ‘| S>mbr am{e¶m± Amounts written back (33.15) 0.00 0.00 0.00
Hw$b (H$) TOTAL (A) 60700.61 108.77 0.00 0.00
H$‘reZ Commission 2 2145.70 1.31 0.00 0.00

ßbg &
% [ &' &' +
4 #+ #- #? #< #<' #
- # #< 2#<' 2#- #? , #A # #" #, #- N #(
180
180
62 nd Annual Report
FORM A- RA

(` bmImo§ _o§)
(` in lakhs)
0.00 0.00 0.00 32416.71 89.20 536.82 32416.71 626.02
0.00 0.00 0.00 (30.79) 0.00 0.00 (30.79) 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 32385.92 89.20 536.82 32385.92 626.02
0.00 0.00 0.00 19934.39 19.57 131.53 19934.39 151.10
0.00 0.00 0.00 1396.85 0.00 100.89 1396.85 100.89
0.00 0.00 0.00 (188.31) 0.00 (34.77) (188.31) (34.77)
0.00 0.00 0.00 7176.09 0.00 (109.68) 7176.09 (109.68)
0.00 0.00 0.00 (33.15) 0.00 0.00 (33.15) 0.00

0.00 0.00 0.00 28.82 0.00 (60.84) 28.82 (60.84)
0.00 0.00 0.00 60700.61 108.77 563.95 60700.61 672.72
0.00 0.00 0.00 2145.70 1.31 0.00 2145.70 1.31
0.00 0.00 0.00 3814.04 3.41 0.01 3814.04 3.42
181


charges 0.00 0.00 0.00 0.00
3.65 0.00 0.00 0.00


(J) AÝ` (c) Others 4.61 0.00 0.00 0.00
Hw$b (I)/ TOTAL (B) 6596.95 4.72 0.00 0.00

+ P% Q 4 32837.78 4.74 0.00 0.00


(H$) Hw$b** (a) Gross** 20809.55 99.31 0.00 0.00





Hw$b (J)/TOTAL (C) 53815.80 104.05 0.00 0.00
287.86 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 287.86 0.00 0.00 0.00
182
182
62 nd Annual Report


0.00 0.00 0.00 0.13 0.00 (583.23) 0.13 (583.23)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 3.65 0.00 0.00 3.65 0.00

0.00 0.00 0.00 628.82 0.00 66.46 628.82 66.46
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 4.61 0.00 0.00 4.61 0.00
0.00 0.00 0.00 6596.95 4.72 (516.76) 6596.95 (512.04)
0.00 63.63 0.00 32837.78 68.37 499.05 32837.78 567.42
0.00 0.00 0.00 168.47 0.00 0.00 168.47 0.00
0.00 (63.63) 0.00 20809.55 35.68 (69.63) 20809.55 (33.95)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 651.29 0.00 651.29
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00
0.00 0.00 0.00 53815.80 104.05 1080.71 53815.80 1184.76
0.00 0.00 0.00 287.86 0.00 0.00 287.86 0.00
0.00 0.00 0.00 287.86 0.00 0.00 287.86 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 287.86 0.00 0.00 287.86 0.00
183
(` bmImo§ _o§)
184
df© Ho$ Xm¡amZ Hw$b A{Yeof OrdZ ì`dgm` noÝeZ ì`dgm` dm{f©H$r ì`dgm` hoëW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b
(H$) A§V[a‘ ~moZg 168.47 0.00 0.00 0.00 0.00 0.00 0.00 168.47 0.00
(K) Hy$b A{Yeof (H$+I+J): 5925.57 0.00 0.00 0.00 0.00 0.00 0.00 5925.57 0.00
(H$) {ZJ‘ Ûmam g§nm{XV OrdZ ~r‘m ì¶dgm¶ VWm Ag§~Õ ì¶dgm¶ go g§~§{YV g^r à~ÝY ì¶¶ amOñd ImVo ‘| - gh^mJr / J¡a-gh^mJr nyar Vah ì¶d¶º$ Zm‘o {H$E h¡&
(I) {Z‘JÛmam g§nm{XV VWm g§~Õ ì¶mdgm¶ go g§~§{YV g‘ñV à^ma, g§~§{YV amOñd ImVm| ‘| nyar Vah Zm‘| {H$E J¶E h¡&
(` in lakhs)
Business
(a) Interim Bonus: 168.47 0.00 0.00 0.00 0.00 0.00 0.00 168.47 0.00
!

Revenue Accounts.
184
62 nd Annual Report

F.R.N. / 105049W F.R.N/002785S
g.H«$./M.No.033632 g.H«$./ M.No. 205702
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 104126 g.H«$. M.No. 014854
F.R.N./004453S F.R.N./101720W/W100355
g.H«$./M.No. 233399 g.H«$./M.No. 109859
gZXr boImH$ma
‘w§~B©… 14 OyZ, 2019

185
’$m°‘© E-AmaE
Hw$b ì`dgm` Ho$ g§~§Y _o§ / IN RESPECT OF TOTAL BUSINESS


(H$) {à{‘¶‘
(a) Premium 1 21976920.11 4352343.45 71137.26 4357142.58


Cn-¶moJ / Sub-Total 21965919.70 4338101.43 71119.88 4357142.58


PQ \
2239953.08 130461.65 1614.83 86190.53



Hw$b (H$) TOTAL (A) 38266964.59 6324172.28 288926.99 6702650.13
H$‘reZ Commission 2 1879713.58 10373.76 1536.80 2.33

ßbg &
% [ &' &' +
4 #+ #- #? #< #<' #
- # #< 2#<' 2#- #? , #A # #" #, #- N #(
186
186
62 nd Annual Report
FORM A- RA

(` bmImo§ _o§)
(` in lakhs)
512900.69 2368929.69 29783.61 22560958.06 11108199.33 81349.72 22560958.06 11189549.05
0.00 0.00 (5437.00) (11017.79) (19679.02) (1270.65) (11017.79) (20949.67)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
512900.69 2368929.69 24346.61 22549940.27 11088520.31 80079.07 22549940.27 11168599.38
287316.73 596921.88 2461.26 14663841.78 4710940.06 414578.59 14663841.78 5125518.65
39874.63 29493.41 1.19 2281442.54 246146.78 468073.89 2281442.54 714220.67
(1102.39) (2797.56) (6.26) (139102.79) (47352.46) (441196.32) (139102.79) (488548.78)
0.00 0.00 0.00 2476.41 0.00 115925.05 2476.41 115925.05
(1.42) (5.27) 0.00 6391.09 (40.48) 0.00 6391.09 (40.48)

0.66 0.19 1.69 29891.18 47955.03 (70.62) 29891.18 47884.41
838988.90 2992542.34 26804.49 39394880.48 16046169.24 637389.66 39394880.48 16683558.90
9.75 32763.11 4556.96 1881260.13 47696.16 2163.09 1881260.13 49859.25
5559.87 44928.29 12600.17 2746508.19 150168.61 21524.88 2746508.19 171693.49
187


charges 0.00 0.00 0.00 0.00
343914.04 49.43 20.72 (2.99)

(a) For diminution in the value of investments (Net) 131170.41 0.00 (0.18) (373.70)

(J) AÝ` (c) Others 39463.29 171675.71 (722.78) 9901.37
Hw$b (I)/ TOTAL (B) 5900829.13 269451.38 7419.23 14814.68

+ P% Q 4 14953652.82 3422330.24 181651.71 4041263.67


(H$) Hw$b** (a) Gross** 16981310.09 2632390.66 99832.08 2646571.78





Hw$b (J)/TOTAL (C) 32100075.92 6054720.90 281507.76 6687835.45
266059.54 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 266059.54 0.00 0.00 0.00
188
188
62 nd Annual Report


0.00 0.00 0.00 29.89 0.00 79.10 29.89 79.10
0.00 0.00 0.00 0.00 0.00 10978.11 0.00 10978.11
(3.39) (1.33) 0.00 343931.37 45.11 3173.00 343931.37 3218.11

0.00 0.00 0.00 772174.27 0.00 9.51 772174.27 9.51
0.00 0.00 0.00 131170.23 (373.70) 3288.09 131170.23 2914.39
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

(95.89) 590.45 8.00 38644.62 182175.53 0.00 38644.62 182175.53
5470.34 78280.52 17165.13 5913718.70 379711.71 41215.78 5913718.70 420927.49
310619.13 773824.48 1739.54 15445923.66 8239157.93 1243404.58 15445923.66 9482562.51
0.00 0.00 0.00 165136.98 0.00 0.00 165136.98 0.00
522899.43 2140437.34 7899.82 17604041.60 7427299.60 283396.67 17604041.60 7710696.27
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 (931228.14) 0.00 (931228.14)
0.00 0.00 0.00 0.00 0.00 9.50 0.00 9.50
591.27 0.00 591.27

833518.56 2914261.82 9639.36 33215102.24 15666457.53 596173.88 33215102.24 16262631.41
0.00 0.00 0.00 266059.54 0.00 0.00 266059.54 0.00
0.00 0.00 0.00 266059.54 0.00 0.00 266059.54 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 266059.54 0.00 0.00 266059.54 0.00
189
(` bmImo§ _o§)
190

(H$) A§V[a‘ ~moZg 165113.01 0.00 23.97 0.00 0.00 0.00 0.00 165136.98 0.00
(K) Hy$b A{Yeof (H$+I+J): 5467687.02 0.00 18491.77 0.00 149.11 0.00 0.00 5486327.90 0.00
(I) {Z‘JÛmam g§nm{XV g§~Õ ì¶mdgm¶ VWm Ag§~Õ ì¶dgm¶ go g§~§{YV g‘ñV à^ma, g§~§{YV amOñd ImVm| ‘| nyar Vah Zm‘| {H$E J¶E h¡&
190
(` in lakhs)
Business
(a) Interim Bonus: 165113.01 0.00 23.97 0.00 0.00 0.00 0.00 165136.98 0.00
62 nd Annual Report
!

Revenue Accounts.
191
’$m°‘© E-AmaE


(H$) {à{‘¶‘
(a) Premium 1 20738608.79 3226392.65 76304.95 5013300.67


Cn-¶moJ / Sub-Total 20721986.49 3210290.11 76279.52 5013300.67


PQ \
1882893.43 122569.65 456.49 75394.79



Hw$b (H$) TOTAL (A) 35696532.69 4956729.22 287845.72 7118327.96
H$‘reZ Commission 2 1769481.81 9683.03 1413.19 4.85

ßbg &
% [ &' &' +
4 #+ #- #? #< #<' #
- # #< 2#<' 2#- #? , #A # #" #, #- N #(
192
192
62 nd Annual Report
FORM A- RA

(` bmImo§ _o§)
(` in lakhs)
501935.22 2153302.01 23501.02 21316848.96 10416496.35 88975.25 21316848.96 10505471.60
0.00 0.00 (3202.06) (16647.73) (19304.60) (1269.36) (16647.73) (20573.96)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
501935.22 2153302.01 20298.96 21300201.23 10397191.75 87705.89 21300201.23 10484897.64
246678.56 480995.12 1744.02 13596210.68 4141056.13 472332.49 13596210.68 4613388.62
28270.51 22503.12 0.40 1911620.43 220467.96 720711.53 1911620.43 941179.49
(1039.67) (2315.76) (6.21) (99655.85) (42631.91) (47313.81) (99655.85) (89945.72)
0.00 0.00 0.00 7176.09 0.00 (384074.06) 7176.09 (384074.06)
(0.08) (0.06) 0.00 4914.04 (6.00) 0.00 4914.04 (6.00)

0.21 0.01 0.05 39756.54 35500.91 (52.72) 39756.54 35448.19
775844.75 2654484.44 22037.22 36760223.16 14751578.84 849309.32 36760223.16 15600888.16
11.10 36111.05 3570.40 1770906.10 49369.33 2406.44 1770906.10 51775.77
4492.28 45213.37 10765.70 2839971.69 152336.31 21931.54 2839971.69 174267.85
193


charges 0.00 0.00 0.00 0.00
274533.80 (4.59) (96.06) (2.99)


(J) AÝ` (c) Others 240998.07 68488.35 6477.24 40925.80
Hw$b (I)/ TOTAL (B) 5856093.60 168438.46 15038.71 47063.02

+ P% Q 4 12128354.55 2688344.87 162707.68 2367432.83


(H$) Hw$b** (a) Gross** 17314445.98 2099945.89 110076.45 4703832.11



^{dî` Ho$ {d{Z`moOZ {Z{Y`mo§ Ho$ A§VaU


Hw$b (J)/TOTAL (C) 29598256.83 4788290.76 272807.01 7071264.94
242182.26 0.00 0.00 0.00
0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00
Hw$b (K)/TOTAL (D) 242182.26 0.00 0.00 0.00
194
194
62 nd Annual Report


0.00 0.00 0.00 6.06 0.00 (583.23) 6.06 (583.23)
0.00 0.00 0.00 0.00 0.00 19371.18 0.00 19371.18
19.15 121.70 0.00 274456.89 114.12 123.27 274456.89 237.39

0.00 0.00 0.00 742206.31 0.00 66.46 742206.31 66.46
0.00 0.00 0.00 632.48 49.79 923.44 632.48 973.23
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

3823.93 3438.78 0.00 251299.24 112852.93 0.00 251299.24 112852.93
8346.46 84884.90 14336.10 5879478.77 314722.48 44239.10 5879478.77 358961.58
269381.48 585589.33 1747.43 12560443.71 5643114.46 1452945.79 12560443.71 7096060.25
0.00 0.00 0.00 155479.18 0.00 0.00 155479.18 0.00
498116.81 1984010.21 5953.69 17922639.24 8793741.90 311167.26 17922639.24 9104909.16
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 (959205.98) 0.00 (959205.98)
0.00 0.00 0.00 0.00 0.00 4.52 0.00 4.52
158.63 0.00 158.63

767498.29 2569599.54 7701.12 30638562.13 14436856.36 805070.22 30638562.13 15241926.58
0.00 0.00 0.00 242182.26 0.00 0.00 242182.26 0.00
0.00 0.00 0.00 242182.26 0.00 0.00 242182.26 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 242182.26 0.00 0.00 242182.26 0.00
195
(` bmImo§ _o§)
196
df© Ho$ Xm¡amZ Hw$b A{Yeof OrdZ ì`dgm` noÝeZ ì`dgm` dm{f©H$r ì`dgm` hoëW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b

(H$) A§V[a‘ ~moZg 155456.30 0.00 22.88 0.00 0.00 0.00 0.00 155479.18 0.00
(K) Hy$b A{Yeof (H$+I+J): 4980842.78 0.00 18128.76 0.00 152.78 0.00 0.00 4999124.32 0.00
(` in lakhs)
Business
(a) Interim Bonus: 155456.30 0.00 22.88 0.00 0.00 0.00 0.00 155479.18 0.00
!

Revenue Accounts.
196
62 nd Annual Report

F.R.N. / 105049W F.R.N/002785S
g.H«$./M.No.033632 g.H«$./ M.No. 205702
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 104126 g.H«$. M.No. 014854
F.R.N./004453S F.R.N./101720W/W100355
g.H«$./M.No. 233399 g.H«$./M.No. 109859
gZXr boImH$ma
‘w§~B©… 14 OyZ, 2019

197
’$m°‘© E-nrEb
31 ‘mM©, 2019 H$mo g‘má df© H$m g§~{YV bm^-hm{Z boIm
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2019
Mmby df©
Current Year
{ddaU Particulars AZwgyMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶
Schedule Non-linked Business Linked Business
nm°{b{gYmaH$m| Ho$ boIm (VH$ZrH$s boIm) go eof H$mo

AJ«o{fV :
Amounts transferred from/to the Policyholders
Account (Technical Account):
265724.92 334.62 0.00 0.00
(H$) ã¶mO, bm^m§e Ed§ {H$am¶m-Hw$b
(a) Interest, Dividends & Rent - Gross
1413.88 2323.65 0.00 0.00
(I) {Zdoe H$s {~H«$s/‘moMZ na bm^
PQ \

0.00 1259.94 0.00 0.00
(J) {Zdoe H$s {~H«$s/‘moMZ na hm{Z
(c) (Loss on sale/redemption of investments)
(11.32) (655.29) 0.00 0.00
AÝ¶ Am¶ : gm‘mÝ¶ Ama{jV {ZYr go A§VaU
Other Income :Transfer from General Reseve
0.00 0.00 0.00 0.00
Hw$b(H$) TOTAL (A) 267127.48 3262.92 0.00 0.00
~r‘m ì¶dgm¶ go grYo g§~§{YV IMm} Ho$ A{V[aº$ AÝ¶ IM©
Expense other than those directly related to the
0.00 42.06 0.00 0.00
insurance business
àmdYmZ (H$amYmZ Ho$ A{V[aº$)

Provisions (Other than taxation)
(H$) {Zdoe Ho$ ‘yë¶ ‘| ewÕ H$‘r

(a) For diminution in the value of investments (Net)
0.00 0.00 0.00 0.00
(I) g§{X½Y F$Umo§ Ho$ {bE àmdYmZ
(b) Provision for doubtful debts
0.00 0.00 0.00 0.00
(J) AÝ¶ (ã¶moam XoZm h¡)
PQB P Q
0.00 0.00 0.00 0.00
Hw$b(I) TOTAL (B) 0.00 42.06 0.00 0.00

bm^/hm{Z H$a nyd©/ \P& Q
N 267127.48 3220.86 0.00 0.00
H$amYmZ H$m àmdYmZ Provision for Taxation 490.11 1008.57 0.00 0.00
bm^/(hm{Z) H$a àíMmV \&

N 266637.37 2212.29 0.00 0.00
198
198
62 nd Annual Report
FORM A- PL
Registration No. : 512 Dated:01.01.2001
eo¶aYmaH$m| H$m boIm (J¡a-VH$ZrH$s boIm) (` bmImo§ _o§)

Shareholders’ Account (Non-technical Account) (` in lakhs)

266059.54 241894.40 287.86 0.00 0.00 242182.26
3737.53 1412.03 2109.30 0.00 0.00 3521.33
1259.94 0.00 339.22 0.00 0.00 339.22
(666.61) (11.32) (50.16) 0.00 0.00 (61.48)
0.00 0.00 0.00 0.00 0.00 0.00
270390.40 243295.11 2686.22 0.00 0.00 245981.33
42.06 0.00 39.77 0.00 0.00 39.77
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
42.06 0.00 39.77 0.00 0.00 39.77
270348.34 243295.11 2646.45 0.00 0.00 245941.56
1498.68 484.76 816.26 0.00 0.00 1301.02
268849.66 242810.35 1830.19 0.00 0.00 244640.54
199
’$m°‘© E-nrEb
31 ‘mM©, 2019 H$mo g‘má df© H$m g§~{YV bm^-hm{Z boIm
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31ST MARCH, 2019
Mmby df©
Current Year
{ddaU Particulars AZwgyMr J¡a-g§~Õ ì¶dgm¶ g§~Õ ì¶dgm¶
Schedule Non-linked Business Linked Business
{d{Z¶moOZ / APPROPRIATIONS
(H$) df© Ho àma¨^ _o eof

(a) Balance at the begining of the year
0.00 0.00 0.00 0.00
(I) df© Ho$ Xm¡amZ àXÎm A§V{a‘ bm^m§e
(5% ‘yë¶m§H$Z A{Yeof Ho$ÝÐr¶ gaH$ma H$mo àXÎm)
(b) Interim Dividends paid during the year
0.00 0.00 0.00 0.00
(5% Valuation surplus paid to Central Government)
(J) àñVm{dV A§{V‘ bm^m§e PQ 265724.92 334.62 0.00 0.00
(K) bm^m§e (d) Dividend distribution on tax 0.00 0.00 0.00 0.00
(L>) gm‘mÝ¶ Ama{jV{Z{Y H$mo A§VaU (e) Transfer to
General Reserve 912.45 1877.67 0.00 0.00
VwbZ-nÌ H$mo AJ«o{fV bm^

+ , 0.00 0.00 0.00 0.00

F.R.N. / 105049W F.R.N/002785S
g.H«$./M.No.033632 g.H«$./ M.No. 205702
F.R.N./009571N/N500006 F.R.N./000745C
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
E{bg Or d¡X`Z
g.H«$./ M.No. 104126 g.H«$. M.No. 014854
F.R.N./004453S F.R.N./101720W/W100355
H¥îUm gmB© Or. EM (nmQ>©Za) {dO¶ Znmdm{b¶m (nmQ>©Za)
g.H«$./M.No. 233399 g.H«$./M.No. 109859
gZXr boImH$ma
‘w§~B©… 14 OyZ, 2019

200
200
62 nd Annual Report
FORM A- PL
eo¶aYmaH$m| H$m boIm (J¡a-VH$ZrH$s boIm)
Shareholders’ Account (Non-technical Account)

0.00 0.00 0.00 0.00 0.00 0.00
0.00 0.00 0.00 0.00 0.00 0.00
266059.54 241894.40 287.86 0.00 0.00 242182.26
0.00 0.00 0.00 0.00 0.00 0.00
2790.12 915.95 1542.33 0.00 0.00 2458.28
0.00 0.00 0.00 0.00 0.00 0.00
201
AZwgyMr`m± Omo {dËVr` {ddaUmo§ Ho$ A§J^yV h¡§
202
SCHEDULES FORMING PART OF THE FINANCIAL SATEMENTS
AZwgyMr - 1 {à{‘¶‘ : 31.3.2019 (` bmImo§ _o§)
SCHEDULE - 1 - PREMIUM: 31.3.2019 (` in lakhs)
{ddaU Particulars J¡a-g§~Õ ì¶dgm¶ g§~Õ Hw$b (Mmby df©)

Non-Linked Business Total (Current Year)
ì¶dgm¶
OrdZ ì`dgm` noÝeZ ì`dgm` dm{f©H$r ì`dgm` hoëW ì`dgm` J¡a-g§~Õ ì¶dgm¶ Hw$b Linked
Life Business Pension Business Annuity Business Health Business
Business
(Mmby df©)
Non-Linked Total (Current
Year)
gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr J¡a-gh^mJr gh^mJr J¡a-gh^mJr
Participating Non- Participating Non- Participating Non- Non- Participating Non- Non- Participating Non-
Participating Participating Participating Participating Participating Participating Participating
1 àW‘ dfu¶ àr{‘¶‘
First year Premiums 2632856.90 257033.08 2215.20 225830.70 0.00 0.00 11260.35 2635072.10 494124.13 3425.31 2635072.10 497549.44
2 nadVu àr{‘¶‘
Renewal Premiums 18547169.79 538129.32 68029.88 266518.06 487.36 462.83 18523.26 18615687.03 823633.47 77590.81 18615687.03 901224.28
3 EH$b àr{‘¶‘ Am¡a grEOr

Single Premiums &
CAG 796893.42 3557181.05 892.18 3864793.82 512413.33 2368466.86 0.00 1310198.93 9790441.73 333.60 1310198.93 9790775.33
Hw$b àr{‘¶‘
TOTAL PREMIUM 21976920.11 4352343.45 71137.26 4357142.58 512900.69 2368929.69 29783.61 22560958.06 11108199.33 81349.72 22560958.06 11189549.05
àr{‘¶‘ Am¶ {b{IV

ì¶dgm¶ go
Premium Income from
business written:
1 ^maV ‘|
In India 21941276.53 4350960.13 71137.26 4357142.58 512900.69 2368929.69 29783.61 22525314.48 11106816.01 80627.34 22525314.48 11187443.35
2 ^maV Ho$ ~mha

Outside India 35643.58 1383.32 0.00 0.00 0.00 0.00 0.00 35643.58 1383.32 722.38 35643.58 2105.70
Hw$b àr{‘¶‘
Total Premium 21976920.11 4352343.45 71137.26 4357142.58 512900.69 2368929.69 29783.61 22560958.06 11108199.33 81349.72 22560958.06 11189549.05
202
AZwgyMr`m± Omo {dËVr` {ddaUmo§ Ho$ A§J^yV h¡§
SCHEDULES FORMING PART OF THE FINANCIAL SATEMENTS
AZwgyMr - 1 {à{‘¶‘ : 31.3.2018 (` bmImo§ _o§)
SCHEDULE - 1 - PREMIUM: 31.3.2018 (` in lakhs)

ì¶dgm¶
OrdZ ì`dgm` noÝeZ ì`dgm` dm{f©H$r ì`dgm` hobW J¡a-g§~Õ ì¶dgm¶ Hw$b Linked
62 nd Annual Report
Life Business Pension Business Annuity Business Business

ì`dgm` (Mmby df©)
Health Non-Linked Total (Current
Business Year)
1 àW‘ dfu¶ àr{‘¶‘
First year Premiums 2485635.05 130092.04 2990.28 181039.81 0.00 0.00 8915.07 2488625.33 320046.92 5968.10 2488625.33 326015.02
2 nadVu àr{‘¶‘
Renewal Premiums 17437266.22 479958.78 71654.59 267718.85 555.19 537.37 14585.95 17509476.00 762800.95 82874.01 17509476.00 845674.96
3 EH$b àr{‘¶‘ Am¡a grEOr

Single Premiums &
CAG 815707.52 2616341.83 1660.08 4564542.01 501380.03 2152764.64 0.00 1318747.63 9333648.48 133.14 1318747.63 9333781.62
Hw$b àr{‘¶‘
TOTAL PREMIUM 20738608.79 3226392.65 76304.95 5013300.67 501935.22 2153302.01 23501.02 21316848.96 10416496.35 88975.25 21316848.96 10505471.60
àr{‘¶‘ Am¶ {b{IV

ì¶dgm¶ go
Premium Income from
business written:
1 ^maV ‘|
In India 20706192.08 3226303.45 76304.95 5013300.67 501935.22 2153302.01 23501.02 21284432.25 10416407.15 88438.43 21284432.25 10504845.58
2 ^maV Ho$ ~mha

Outside India 32416.71 89.20 0.00 0.00 0.00 0.00 0.00 32416.71 89.20 536.82 32416.71 626.02
Hw$b àr{‘¶‘
Total Premium 20738608.79 3226392.65 76304.95 5013300.67 501935.22 2153302.01 23501.02 21316848.96 10416496.35 88975.25 21316848.96 10505471.60
203
AZwgyMr - 2 H$‘reZ ì¶¶ 31.03.2019
(` bmImo§ _o§)
204
SCHEDULE - 2 COMMISSION EXPENSES: 31.3.2019
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
àXÎm H$‘reZ
Commission paid
grYm - àW‘ dfu¶ àr{‘¶‘
Direct - First year premiums 871045.44 5047.55 166.14 2.33 0.00 0.00 3470.61 871211.58 8520.49 228.94 871211.58 8749.43
- nadVu àr{‘¶‘
- Renewal premiums 995998.38 5406.65 1353.98 0.00 9.75 9.25 1086.35 997362.11 6502.25 1934.15 997362.11 8436.40
- EH$b àr{‘¶‘
- Single premiums 15928.82 71.51 17.84 0.00 0.00 32753.86 0.00 15946.66 32825.37 0.00 15946.66 32825.37
- AÝ¶ H${‘eZ
- Other Commission 0.00 0.00 0.00 0.00 0.00
Omo‹S>o : ñdrH¥$V nwZ~u‘ na H$‘reZ
Add : Commission on Re-
insurance Accepted 0.00 0.00 0.00 0.00 0.00
KQ>mE§ : A§V[aV nwZ~u‘ na
H$‘reZ
Less: Commission on Re-
insurance Ceded 3259.06 151.95 1.16 0.00 0.00 0.00 0.00 3260.22 151.95 0.00 3260.22 151.95
ewÕ H$‘reZ
Net Commission 1879713.58 10373.76 1536.80 2.33 9.75 32763.11 4556.96 1881260.13 47696.16 2163.09 1881260.13 49859.25
{b{IV ì¶dgm¶ na H$‘reZ
Commission on business
written:
^maV ‘|
In India 1877328.94 10347.28 1536.80 2.33 9.75 32763.11 4556.96 1878875.49 47669.68 2163.09 1878875.49 49832.77
^maV Ho$ ~mha
Outside India 2384.64 26.48 0.00 0.00 0.00 0.00 0.00 2384.64 26.48 0.00 2384.64 26.48
ewÕ H$‘reZ
Net Commission 1879713.58 10373.76 1536.80 2.33 9.75 32763.11 4556.96 1881260.13 47696.16 2163.09 1881260.13 49859.25
ì¶dgm¶ àmá H$aZo Ho$ {bE {H$¶o J¶o gH$b ì¶¶ H$m {dKQ>Z :
Break up of the expenses (Gross) incurred to procure business :
EOo§Q>
Agents 1871660.75 10470.07 1534.87 2.33 9.74 31359.85 4514.89 1873205.36 46347.14 2143.17 1873205.36 48490.31
~«moH$a
Brokers 180.69 5.59 0.26 0.00 0.00 25.08 0.64 180.95 31.31 1.47 180.95 32.78
{ZJ{‘V EOoÝgr
Corporate Agency 1671.70 7.57 1.32 0.00 0.01 32.46 2.04 1673.03 42.07 2.22 1673.03 44.29
[a’$ab
Referral 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
AÝ¶ : ~¢H$
Others: Banks 9421.61 42.06 1.48 0.00 0.00 1333.13 39.23 9423.09 1414.42 16.22 9423.09 1430.64
AmB©.E‘.E’$
204
IMF 37.89 0.42 0.03 0.00 0.00 12.59 0.16 37.92 13.17 0.01 37.92 13.18
Hw$b
Total 1882972.64 10525.71 1537.96 2.33 9.75 32763.11 4556.96 1884520.35 47848.11 2163.09 1884520.35 50011.20
AZwgyMr - 2 H$‘reZ ì¶¶ 31.03.2018
(` bmImo§ _o§)
SCHEDULE - 2 COMMISSION EXPENSES: 31.3.2018
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
62 nd Annual Report

àXÎm H$‘reZ
Commission paid
grYm - àW‘ dfu¶ àr{‘¶‘
Direct - First year premiums 815607.52 4736.65 224.27 4.85 0.00 0.00 2622.31 815831.79 7363.81 356.80 815831.79 7720.61
- nadVu àr{‘¶‘
- Renewal premiums 941910.05 5055.40 1160.71 0.00 11.10 10.74 948.09 943081.86 6014.23 2049.64 943081.86 8063.87
- EH$b àr{‘¶‘
- Single premiums 16305.31 15.85 33.20 0.00 0.00 36100.31 0.00 16338.51 36116.16 0.00 16338.51 36116.16
- AÝ¶ H${‘eZ
- Other Commission 0.00 0.00 0.00 0.00 0.00
Omo‹S>o : ñdrH¥$V nwZ~u‘ na H$‘reZ
Add : Commission on Re-
insurance Accepted 0.00 0.00 0.00 0.00 0.00
KQ>mE§ : A§V[aV nwZ~u‘ na
H$‘reZ
Less: Commission on Re-
insurance Ceded 4341.07 124.87 4.99 0.00 0.00 0.00 0.00 4346.06 124.87 0.00 4346.06 124.87
ewÕ H$‘reZ
Net Commission 1769481.81 9683.03 1413.19 4.85 11.10 36111.05 3570.40 1770906.10 49369.33 2406.44 1770906.10 51775.77
{b{IV ì¶dgm¶ na H$‘reZ

Commission on business written:
^maV ‘|
In India 1767336.11 9681.72 1413.19 4.85 11.10 36111.05 3570.40 1768760.40 49368.02 2406.44 1768760.40 51774.46
^maV Ho$ ~mha

Outside India 2145.70 1.31 0.00 0.00 0.00 0.00 0.00 2145.70 1.31 0.00 2145.70 1.31
ewÕ H$‘reZ
Net Commission 1769481.81 9683.03 1413.19 4.85 11.10 36111.05 3570.40 1770906.10 49369.33 2406.44 1770906.10 51775.77
ì¶dgm¶ àmá H$aZo Ho$ {bE {H$¶o J¶o gH$b ì¶¶ H$m {dKQ>Z :
Break up of the expenses (Gross) incurred to procure business :
EO§oQ>
Agents 1764882.22 9754.47 1416.05 4.85 11.09 34589.30 3546.92 1766309.36 47895.54 2384.27 1766309.36 50279.81
~«moH$a
Brokers 175.71 6.84 0.21 0.00 0.00 43.26 0.11 175.92 50.21 1.34 175.92 51.55
{ZJ{‘V EOoÝgr
Corporate Agency 1532.13 7.28 1.40 0.00 0.01 33.16 1.68 1533.54 42.12 2.47 1533.54 44.59
[a’$ab
Referral 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
AÝ¶ : ~¢H$
Others: Banks 7220.38 39.09 0.51 0.00 0.00 1432.82 21.68 7220.89 1493.59 18.34 7220.89 1511.93
AmB©.E‘.E’$
IMF 12.44 0.22 0.01 0.00 0.00 12.51 0.01 12.45 12.74 0.02 12.45 12.76
Hw$b
Total 1773822.88 9807.90 1418.18 4.85 11.10 36111.05 3570.40 1775252.16 49494.20 2406.44 1775252.16 51900.64
205
AZwgyMr - 3 ~r‘m ì¶dgm¶ go gå~pÝYV n[aMmbZ ì¶¶ : 31.03.2019
(` bmImo§ _o§)
206
SCHEDULE - 3 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS: 31.3.2019
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
1 H$‘©Mm[a¶m| H$m nm[al{‘H$ VWm
H$ë¶mU bm^
Employees' remuneration &

1871344.79 49419.26 4217.81 4341.06 1721.79 30994.50 8465.57 1877284.39 93220.39 16683.66 1877284.39 109904.05
2 ¶mÌm, gdmar Ed§ dmhZ MmbZ
ì¶¶
Travel, conveyance and vehicle
running expenses 27706.31 668.10 61.80 56.39 23.08 460.41 125.04 27791.19 1309.94 242.98 27791.19 1552.92
3 à{ejU ì¶¶
Training Expenses 2733.89 44.48 5.56 2.93 1.44 48.80 12.25 2740.89 108.46 21.81 2740.89 130.27
4 {H$am¶m, X>a| Ed§ H$a
Rents, rates & taxes 48240.09 1234.45 124.22 105.12 44.19 676.57 219.93 48408.50 2236.07 498.22 48408.50 2734.29
5 ‘aå‘V
Repairs 11010.26 120.37 28.42 3.65 4.07 150.37 50.34 11042.75 324.73 113.32 11042.75 438.05
6 ‘wÐU Ed§ boIm gm‘J«r
Printing & Stationery 12093.78 187.61 31.18 11.00 6.53 166.49 55.22 12131.49 420.32 124.32 12131.49 544.64
7 g§Mma ì¶¶
Communication expenses 25721.29 645.94 66.19 54.52 23.11 360.19 117.20 25810.59 1177.85 266.50 25810.59 1444.35
8 {d{YH$ Ed§ ì¶mdgm{¶H$ à^ma
Legal & professional charges 1353.24 21.78 2.82 1.61 0.77 15.15 4.98 1356.83 43.52 11.23 1356.83 54.75
9 {M{H$Ëgm ewëH$
Medical Fees 5505.55 918.45 32.13 0.00 0.00 0.00 17.13 5537.68 935.58 7.71 5537.68 943.29
10 boIm narjH$ ewëH$, ì¶¶ Am{X
Auditors' fees, expenses etc.
(H$) boIm narjH$ Ho$ ê$n ‘|
(a) as auditor 464.94 5.98 0.36 0.27 0.20 5.91 0.36 465.50 12.52 6.48 465.50 19.00
gbmhH$ma Ho$ én ‘| ¶m
(I) {ZåZ g§~§Y ‘| {H$gr ^r
j‘Vm ‘|
(b) as adviser or in any
other capacity in
respect of
(i) H$amYmZ ‘m‘bo
(i) Taxation matters 2.61 0.00 0.00 0.00 0.00 0.00 0.00 2.61 0.00 0.00 2.61 0.00
(ii) ~r‘m ‘m‘bo
(ii) Insurance matters 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii) à~§YZ godmE§, VWm
(iii) Management
services; and 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
J) {H$gr ^r AÝ¶ j‘Vm ‘|
c) in any other capacity 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
206
11 {dkmnZ Ed§ àMma
Advertisement and publicity 37368.73 1666.92 94.78 171.66 50.88 536.06 328.62 37514.39 2703.26 9.29 37514.39 2712.55
12 ã¶mO Ed§ ~¢H$ à^ma
Interest & bank Charges 3619.24 40.42 9.31 1.32 1.36 49.28 16.46 3629.91 107.48 185.85 3629.91 293.33
AZwgyMr - 3 (Omar)
(` bmImo§ _o§)
SCHEDULE - 3 (Contd.)
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
62 nd Annual Report

13 AÝ¶
Others
1 ^Îmo Am¡a H$‘reZ
(~r‘m EOo§Q>mo Ho$ H$‘reZ
Ho$ Abmdm)
Allowances and
commission (other than
commission to insurance
agents) 280425.84 2081.81 477.32 0.30 47.23 5636.47 1242.63 280950.39 8961.21 1818.27 280950.39 10779.48
2 {Zdoe gån{Îm na ì¶¶
Expense on Investment
Property 12431.25 98.52 0.00 0.00 0.00 0.00 0.00 12431.25 98.52 0.00 12431.25 98.52
3 nm°{bgr ñQ>°ån
Policy stamps 20759.34 4066.14 25.09 399.16 118.32 362.24 493.44 20902.75 5320.98 5.62 20902.75 5326.60
4 nmdVr ñQ>°ån
Receipt stamps 1044.46 10.33 2.70 0.21 0.35 14.24 4.78 1047.51 29.56 10.76 1047.51 40.32
5 [~Obr à^ma
Electricity charges 24087.92 291.51 62.21 11.52 9.94 329.89 110.17 24160.07 743.09 248.03 24160.07 991.12
6 ‘mJ©ñW amoH$‹S> VWm AÝ¶
~r‘m àr{‘¶‘
Cash in transit and other
insurance premia 306.39 10.68 0.76 1.04 0.39 4.22 1.35 307.54 17.29 3.06 307.54 20.35
7 {d{dY ì¶¶
Miscellaneous expenses 40955.62 955.60 137.19 77.33 47.17 734.83 300.26 41139.98 2068.02 942.99 41139.98 3011.01
8 ‘w»¶ H$m¶m©b¶ ì¶¶
( BJ N 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 ‘yë¶èhmg
Depreciation 31640.19 647.84 81.47 48.58 22.95 439.33 144.27 31744.61 1280.02 324.78 31744.61 1604.80
15 àr{‘¶‘ BË¶mXr na godm H$a/
Or Eg Qr
Service Tax/GST on Premium
Etc 275547.92 24216.29 1123.35 0.00 3436.10 3943.34 890.17 280107.37 29049.80 0.00 280107.37 29049.80
Hw$b
TOTAL 2734363.65 87352.48 6584.67 5287.67 5559.87 44928.29 12600.17 2746508.19 150168.61 21524.88 2746508.19 171693.49
n[aMmbZ ì¶¶
OPERATING EXPENSES
^maV ‘|
In India 2730304.29 87349.57 6584.67 5287.67 5559.87 44928.29 12600.17 2742448.83 150165.70 21524.87 2742448.83 171690.57
^maV Ho$ ~mha
Outside India 4059.36 2.91 0.00 0.00 0.00 0.00 0.00 4059.36 2.91 0.01 4059.36 2.92
Hw$b n[aMmbZ ì¶¶
TOTAL OPERATING
EXPENSES 2734363.65 87352.48 6584.67 5287.67 5559.87 44928.29 12600.17 2746508.19 150168.61 21524.88 2746508.19 171693.49
207
AZwgyMr - 3 ~r‘m ì¶dgm¶ go gå~pÝYV n[aMmbZ ì¶¶ : 31.03.2018
(` bmImo§ _o§)
208
SCHEDULE - 3 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS: 31.3.2018
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
1 H$‘©Mm[a¶m| H$m nm[al{‘H$ VWm
H$ë¶mU bm^
Employees' remuneration &

1980179.93 57159.07 4728.71 5380.64 1950.09 34426.51 7257.65 1986858.73 104223.87 17115.05 1986858.73 121338.92
2 ¶mÌm, gdmar Ed§ dmhZ MmbZ
ì¶¶
Travel, conveyance and vehicle
running expenses 27516.96 698.37 60.62 63.73 23.50 484.53 96.88 27601.08 1343.51 217.09 27601.08 1560.60
3 à{ejU ì¶¶
Training Expenses 2692.43 43.95 6.00 3.02 1.42 50.01 9.84 2699.85 106.82 21.56 2699.85 128.38
4 {H$am¶m, X>a| Ed§ H$a
Rents, rates & taxes 44562.64 1140.66 118.82 101.35 39.87 642.13 163.74 44721.33 2047.88 436.90 44721.33 2484.78
5 ‘aå‘V
Repairs 9030.84 113.18 24.17 5.36 3.89 127.22 33.32 9058.90 279.08 88.26 9058.90 367.34
6 ‘wÐU Ed§ boIm gm‘J«r
Printing & Stationery 12377.33 169.99 33.05 9.28 5.86 174.41 45.56 12416.24 399.24 120.70 12416.24 519.94
7 g§Mma ì¶¶
Communication expenses 25470.78 640.99 67.92 56.52 22.40 366.74 93.60 25561.10 1157.85 250.64 25561.10 1408.49
8 {d{YH$ Ed§ ì¶mdgm{¶H$ à^ma
Legal & professional charges 1231.97 18.62 2.75 1.54 0.70 14.66 3.78 1235.42 38.60 10.05 1235.42 48.65
9 {M{H$Ëgm ewëH$
Medical Fees 4704.14 1067.05 33.92 0.00 0.00 0.00 15.66 4738.06 1082.71 6.89 4738.06 1089.60
10 boIm narjH$ ewëH$, ì¶¶ Am{X
Auditors' fees, expenses etc.
(H$) boIm narjH$ Ho$ ê$n ‘|
(a) as auditor 430.07 6.10 0.36 0.34 0.20 5.76 0.36 430.63 12.56 6.48 430.63 19.04
gbmhH$ma Ho$ én ‘| ¶m
(I) {ZåZ g§~§Y ‘| {H$gr ^r
j‘Vm ‘|
(b) as adviser or in any
other capacity in
respect of
(i) H$amYmZ ‘m‘bo
(i) Taxation matters 2.48 0.00 0.00 0.00 0.00 0.00 0.00 2.48 0.00 0.00 2.48 0.00
(ii) ~r‘m ‘m‘bo
(ii) Insurance matters 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii) à~§YZ godmE§, VWm
(iii) Management
services; and 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
J) {H$gr ^r AÝ¶ j‘Vm ‘|
c) in any other capacity 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
208
Advertisement and publicity 47214.28 1961.59 124.43 205.03 56.74 694.38 275.48 47395.45 3136.48 20.05 47395.45 3156.53
Interest & bank Charges 4225.00 49.04 11.27 2.02 1.68 59.24 15.52 4237.95 125.82 238.24 4237.95 364.06
AZwgyMr - 3 (Omar)
(` bmImo§ _o§)
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
62 nd Annual Report

13 AÝ¶
Others
1 ^Îmo Am¡a H$‘reZ
(~r‘m EOoÝQ>mo Ho$ H$‘reZ
Ho$ Abmdm)
Allowances and
commission (other than
commission to insurance
agents) 263934.02 1969.74 527.69 1.70 50.03 5441.37 960.31 264511.74 8373.12 1854.07 264511.74 10227.19
2 {Zdoe gån{Îm na ì¶¶
Expense on Investment
Property 12962.30 97.63 0.00 0.00 0.00 0.00 0.00 12962.30 97.63 0.00 12962.30 97.63
3 nm°{bgr ñQ>°ån
Policy stamps 18540.11 1821.30 11.30 118.54 32.80 304.69 244.86 18584.21 2489.39 15.90 18584.21 2505.29
4 nmdVr ñQ>°ån
Receipt stamps 1023.08 9.78 2.74 0.22 0.33 14.34 3.77 1026.15 28.11 10.01 1026.15 38.12
5 [~Obr à^ma
Electricity charges 24230.88 298.49 64.79 13.73 10.25 340.94 89.32 24305.92 742.48 236.64 24305.92 979.12
6 ‘mJ©ñW amoH$‹S> VWm AÝ¶
~r‘m àr{‘¶‘
Cash in transit and other
insurance premia 378.03 12.04 0.99 1.17 0.42 5.42 1.36 379.44 19.99 3.89 379.44 23.88
7 {d{dY ì¶¶
Miscellaneous expenses 39977.64 917.45 141.16 76.63 47.57 749.36 294.81 40166.37 2038.25 999.99 40166.37 3038.24
8 ‘w»¶ H$m¶m©b¶ ì¶¶
( BJ N 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
14 ‘yë¶èhmg
Depreciation 28674.78 574.53 76.44 44.75 20.00 408.58 105.36 28771.22 1133.22 279.13 28771.22 1412.35
15 àr{‘¶‘ BË¶mXr na godm H$a/
Or Eg Qr
Service Tax/GST on Premium
Etc 278875.41 21502.10 1207.18 0.00 2224.53 903.08 1054.52 282307.12 23459.70 0.00 282307.12 23459.70
Hw$b
TOTAL 2828235.10 90271.67 7244.31 6085.57 4492.28 45213.37 10765.70 2839971.69 152336.31 21931.54 2839971.69 174267.85
n[aMmbZ ì¶¶
OPERATING EXPENSES
^maV ‘|
In India 2824421.06 90268.26 7244.31 6085.57 4492.28 45213.37 10765.70 2836157.65 152332.90 21931.53 2836157.65 174264.43
^maV Ho$ ~mha
Outside India 3814.04 3.41 0.00 0.00 0.00 0.00 0.00 3814.04 3.41 0.01 3814.04 3.42
Hw$b n[aMmbZ ì¶¶
TOTAL OPERATING
EXPENSES 2828235.10 90271.67 7244.31 6085.57 4492.28 45213.37 10765.70 2839971.69 152336.31 21931.54 2839971.69 174267.85
209
AZwgyMr - 4 AXm {H$¶m J¶m bm^ (ewÕ) : 31.03.2019
210
(` bmImo§ _o§)
SCHEDULE - 4 BENEFITS PAID (NET): 31.3.2019
(` in lakhs)
{ddaU J¡a-g§~Õ ì¶dgm¶ g§~Õ Hw$b (Mmby df©)
Particulars Non-Linked Business Total (Current Year)
ì¶dgm¶
Business
(Mmby df©)
Year)
1 ~r‘m Xmd|
Insurance Claims
(H$) ‘¥Ë¶w Xmd|
(a) Claims by Death 1140599.76 452444.78 11523.14 2170.98 40401.17 42396.01 13.49 1192524.07 497025.26 17956.53 1192524.07 514981.79
(I) n[an¹$Vm Xmd|
(b) Claims by Maturity 12044879.56 1106121.80 11727.57 1177935.56 3391.61 74.04 0.00 12059998.74 2284131.40 800474.67 12059998.74 3084606.07
(J) dm{f©{H$¶m±/noÝeZ ^wJVmZ
(c) Annuities/Pensions
payment 0.00 0.00 108274.45 0.00 265329.12 717826.60 0.00 373603.57 717826.60 0.00 373603.57 717826.60
(K) AÝ¶ bm^
PQB
(i) Aä¶n©U
Surrenders 1732667.94 1856400.87 50345.36 2861157.13 1308.14 13623.80 0.00 1784321.44 4731181.80 408223.45 1784321.44 5139405.25
(ii) ZH$X ~moZg
Bonuses in cash 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii) AñnVmb ^Vu bm^
Hospitalisation
+ 0.00 0.00 0.00 0.00 0.00 0.00 794.96 0.00 794.96 212.34 0.00 1007.30
(iv) ~‹S>o eë¶ bm^
<¢,
+ 0.00 0.00 0.00 0.00 0.00 0.00 1136.84 0.00 1136.84 666.50 0.00 1803.34
(v) Amdmgr¶ CnMma bm^
Domicilliary
+ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1195.29 0.00 1195.29
(vi) {XZ XoI^mb bm^
; + 0.00 0.00 0.00 0.00 0.00 0.00 231.96 0.00 231.96 0.00 0.00 231.96
(vii) EH _waV bm^/Am`
bm^ ([H ñV Ûmam)
& + \
+ P
installment) 64.18 0.00 64.18 0.00 0.00 64.18
(viii) AÝ¶ Xmdm bmJV
Other Claims Cost 40712.69 17822.24 264.72 0.00 189.09 (-95.97) 466.97 41166.50 18193.24 15241.21 41166.50 33434.45
2 (nwZ~u‘m ‘| A§V[aV am{e):
(Amount ceded in
reinsurance):
(a) Claims by Death (-5207.13) (-10459.45) (-483.53) 0.00 0.00 0.00 0.00 (5690.66) (10459.45) (-20.00) (5690.66) (10479.45)
(I) n[an³dVm Xmd|
(J) dm{f©{H$¶m±/noÝe
^wJVmZ
210
payment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(K)AÝ¶ bm^
PQB 0.00 0.00 0.00 0.00 0.00 0.00 (-968.86) 0.00 (968.86) (-545.41) 0.00 (1514.27)
AZwgyMr - 4 (Omar)
(` bmImo§ _o§)
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
62 nd Annual Report

3 nwZ~u‘m ‘| ñdrH¥$V am{e:
Amount accepted in
reinsurance:
(H$) ‘¥Ë¶y Xmd|
(a) Claims by Death 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(I) n[an¹$Vm Xmd|
(J) dm{f©{H$¶m|/noÝeZ
^wJVmZ
in payment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(K) AÝ¶ bm^
PQB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
TOTAL 14953652.82 3422330.24 181651.71 4041263.67 310619.13 773824.48 1739.54 15445923.66 8239157.93 1243404.58 15445923.66 9482562.51
XmdoXmam| H$mo AXm
{H$¶m J¶m bm^:
~ '

claimants:
1 ^maV ‘|
In India 14916124.45 3422320.34 181651.71 4041263.67 310619.13 773744.40 1739.54 15408395.29 8239067.95 1242989.38 15408395.29 9482057.33
2 ^maV Ho$ ~mha$
Outside India 37528.37 9.90 0.00 0.00 0.00 80.08 0.00 37528.37 89.98 415.20 37528.37 505.18
Hw$b AXm {H$¶m J¶m
bm^ (ewÕ)
"~ '

(Net) 14953652.82 3422330.24 181651.71 4041263.67 310619.13 773824.48 1739.54 15445923.66 8239157.93 1243404.58 15445923.66 9482562.51
211
AZwgyMr - 4 AXm {H$¶m J¶m bm^ (ewÕ) : 31.03.2018
212
(` bmImo§ _o§)
SCHEDULE - 4 BENEFITS PAID (NET): 31.3.2018
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
1 ~r‘m Xmd|
Insurance Claims
(a) Claims by Death 994717.19 346174.71 9258.49 2524.48 37949.64 20399.77 17.04 1041925.32 369116.00 22379.92 1041925.32 391495.92
(I) n[an¹$Vm Xmd|
(J) dm{f©{H$¶m±/noÝeZ ^wJVmZ
payment 0.00 0.00 94778.59 0.00 229372.65 552294.05 0.00 324151.24 552294.05 0.00 324151.24 552294.05
(K) AÝ¶ bm^
PQB
(i) Aä¶n©U
Surrenders 1380809.93 1367299.55 48007.07 1554636.37 1496.27 6759.61 0.00 1430313.27 2928695.53 808782.11 1430313.27 3737477.64
(ii) ZH$X ~moZg
Bonuses in cash 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(iii) AñnVmb ^Vu bm^
Hospitalisation
+ 0.00 0.00 0.00 0.00 0.00 0.00 793.55 0.00 793.55 201.76 0.00 995.31
(iv) ~‹S>o eë¶ bm^
<¢,
+ 0.00 0.00 0.00 0.00 0.00 0.00 1009.85 0.00 1009.85 687.76 0.00 1697.61
(v) Amdmgr¶ CnMma bm^
Domicilliary
+ 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1202.82 0.00 1202.82
(vi) {XZ XoI^mb bm^
; + 0.00 0.00 0.00 0.00 0.00 0.00 212.00 0.00 212.00 0.00 0.00 212.00
(vii) EH _waV bm^/Am`
bm^ ([H ñV Ûmam)
& + \
+ P
installment) 0.00 0.00 0.00 0.00 0.00 0.00
(viii) AÝ¶ Xmdm bmJV
Other Claims Cost 35921.93 12752.79 114.48 0.00 76.70 47.80 401.17 36113.11 13201.76 12785.33 36113.11 25987.09
2 (nwZ~u‘m ‘| A§V[aV am{e):
(Amount ceded in
reinsurance):
(a) Claims by Death (-3470.70) (-10475.41) (-2.30) 0.00 0.00 0.00 0.00 (3473.00) (10475.41) 0.00 (3473.00) (10475.41)
(I) n[an³dVm Xmd|
(J) dm{f©{H$¶m±/noÝe
^wJVmZ
212
payment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(K)AÝ¶ bm^
PQB 0.00 0.00 0.00 0.00 0.00 0.00 (-686.18) 0.00 (686.18) (-665.76) 0.00 (1351.94)
AZwgyMr - 4 (Omar)
(` bmImo§ _o§)
(` in lakhs)
ì¶dgm¶
Business
(Mmby df©)
Year)
62 nd Annual Report

3 nwZ~u‘m ‘| ñdrH¥$V am{e:
Amount accepted in
reinsurance:
(H$) ‘¥Ë¶y Xmd|
(a) Claims by Death 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(I) n[an¹$Vm Xmd|
(J) dm{f©{H$¶m|/noÝeZ
^wJVmZ
in payment 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
(K) AÝ¶ bm^
PQB 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
TOTAL 12128354.55 2688344.87 162707.68 2367432.83 269381.48 585589.33 1747.43 12560443.71 5643114.46 1452945.79 12560443.71 7096060.25
XmdoXmam| H$mo AXm
{H$¶m J¶m bm^:
~ '

claimants:
1 ^maV ‘|
In India 12095516.77 2688340.13 162707.68 2367432.83 269381.48 585525.70 1747.43 12527605.93 5643046.09 1452446.74 12527605.93 7095492.83
2 ^maV Ho$ ~mha$
Outside India 32837.78 4.74 0.00 0.00 0.00 63.63 0.00 32837.78 68.37 499.05 32837.78 567.42
Hw$b AXm {H$¶m J¶m
bm^ (ewÕ)
"~ '

(Net) 12128354.55 2688344.87 162707.68 2367432.83 269381.48 585589.33 1747.43 12560443.71 5643114.46 1452945.79 12560443.71 7096060.25
213
AZwgyMr - 5 eo¶a ny±Or : 31.03.2019

(` bmImo§ _o§)
SCHEDULE - 5 SHARE CAPITAL: 31.3.2019
(` in lakhs)
{ddaU Mmby df© {nN>bo df©

Particulars Current Year Previous Year
J¡a-g§~Õ g§~Õ ì¶dgm¶ Hw$b J¡a-g§~Õ g§~Õ ì¶dgm¶ Hw$b

Linked TOTAL Linked TOTAL
ì¶dgm¶ Business
ì¶dgm¶ Business
Non-linked Non-linked
Business Business
A{^XÎm ny±Or 10000.00 0.00 10000.00 10000.00 0.00 10000.00
(OrdZ ~r‘m {ZJ‘ A{Y{Z¶‘, 1956 Ho$ IÊS>

5 Ho$ VhV Ho$ÝÐr¶ gaH$ma Ûmam àXÎm)
Paid up Equity Capital
(Provided by the Central Government in terms of
Section 5 of the Life Insurance Corporation Act,1956)
Hw$b 10000.00 0.00 10000.00 10000.00 0.00 10000.00

Total
^maV ‘| 10000.00 0.00 10000.00 10000.00 0.00 10000.00

In India
^maV Ho$ ~mha 0.00 0.00 0.00 0.00 0.00 0.00

Out of India
Hw$b 10000.00 0.00 10000.00 10000.00 0.00 10000.00

Total
214
214
62 nd Annual Report
AZwgyMr - 6 Ama{jV {Z{Y Ed§ A{Yeof (eo¶aYmaH$m| Ho$) 31.03.2019

(` bmImo§ _o§)
SCHEDULE 6 RESERVES & SURPLUS (SHAREHOLDERS): 31.3.2019
(` in lakhs)
{ddaU Mmby df© Current Year {nN>bo df©

Particulars Previous Year

ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
1 ny±Or Ama{jV {Z{Y
Capital Reserve 0.00 0.00 0.00 0.00 0.00 0.00
2 ny±Or ‘moMZ Ama{jV {Z{Y

Capital Redemption Reserve 0.00 0.00 0.00 0.00 0.00 0.00
3 eo¶a àr{‘¶‘
Share Premium 0.00 0.00 0.00 0.00 0.00 0.00
4 nwZ‘w©ë¶m§H$Z Ama{jV {Z{Y

Revaluation Reserve
àma§{^H$ eof
Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00
df© Ho$ Xm¡amZ ¶moJ
Additions during the year 0.00 0.00 0.00 0.00 0.00 0.00
df© Ho$ Xm¡amZ H$Q>m¡{V¶m±
Deductions during the year 0.00 0.00 0.00 0.00 0.00 0.00
A§{V_ eof
Closing Balance 0.00 0.00 0.00 0.00 0.00 0.00
5 gm‘mÝ¶ Ama{jV {Z{Y
General Reserves
àma§{^H$ eof
Opening Balance 52753.16 0.00 52753.16 50294.88 0.00 50294.88
A§{V_ eof
Closing Balance 55543.28 0.00 55543.28 52753.16 0.00 52753.16
KQ>mE§ : bm^ hm{Z boIo ‘o Zm‘o A{Yeof. ¶{X H$moB© hmo
& [; & 0.00 0.00 0.00 0.00 0.00 0.00
Account, if any
KQ>mE§ : nwZ©IarX Ho$ {bE à¶wº$ am{e
& [
+4' 0.00 0.00 0.00 0.00 0.00 0.00
6 AmnmVH$mbrZ Ama{jV {Z{Y

Catastrophe Reserve 0.00 0.00 0.00 0.00 0.00 0.00
7 AÝ¶ Ama{jV {Z{Y : {d{Z‘¶ CVma MT>md Ama{jV {Z{Y

Other Reserves:Exchange Fluctuation Reserve (82.78) 0.00 (82.78) (75.41) 0.00 (75.41)
8 bm^-hm{Z boIo ‘| eof bm^

+
& 0.00 0.00 0.00 0.00 0.00 0.00
Account
Hw$b
Total 55460.50 0.00 55460.50 52677.75 0.00 52677.75
^maV ‘|
In India 28115.27 0.00 28115.27 27202.82 0.00 27202.82
^maV Ho$ ~mha
Out of India 27345.23 0.00 27345.23 25474.93 0.00 25474.93
Hw$b Total 55460.50 0.00 55460.50 52677.75 0.00 52677.75
215
AZwgyMr - 6 H$ ~r‘m Ama{jV {Z{Y (nm°{b{gYmaH$mo§ Ho$) : 31.03.2019

(` bmImo§ _o§)
SCHEDULE 6A INSURANCE RESERVES (POLICYHOLDERS): 31.3.2019
(` in lakhs)

ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
Capital Reserve 0.00 0.00 0.00 0.00 0.00 0.00
Capital Redemption Reserve 0.00 0.00 0.00 0.00 0.00 0.00
3 eo¶a àr{‘¶‘
Share Premium 0.00 0.00 0.00 0.00 0.00 0.00
4 nwZ‘w©ë¶m§H$Z Ama{jV {Z{Y
Revaluation Reserve
àma§{^H$ eof
Opening Balance 933401.70 0.00 933401.70 934316.48 0.00 934316.48
A§{V_ eof
Closing Balance 933428.51 0.00 933428.51 933401.70 0.00 933401.70
General Reserves
àma§{^H$ eof
Opening Balance 41.74 0.00 41.74 41.74 0.00 41.74
A§{V_ eof
Closing Balance 41.74 0.00 41.74 41.74 0.00 41.74
KQ>mE§ : bm^ hm{Z boIo ‘o Zm‘o A{Yeof. ¶{X H$moB© hmo
& [; & #
0.00 0.00 0.00 0.00 0.00 0.00
KQ>mE§ : nwZ©IarX Ho$ {bE à¶wº$ am{e
& [
+4' 0.00 0.00 0.00 0.00 0.00 0.00
6 g‘H$aU Ama{jV {Z{Y
Equalisation Reserve
àma§{^H$ eof
Opening Balance 0.00 0.00 0.00 0.00 0.00 0.00
A§{V_ eof
Closing Balance 0.00 0.00 0.00 0.00 0.00 0.00
7 AmnmVH$mbrZ Ama{jV {Z{Y 0.00 0.00 0.00 0.00 0.00 0.00
Catastrophe Reserve
8 AÝ¶ Ama{jV {Z{Y
Other Reserves
{Zdoe Ama{jV {Z{Y 0.00 0.00 0.00 0.00 0.00 0.00
(i) Investment Reserve
{d{Z‘¶ CVma MT>md Ama{jV {Z{Y 44872.93 18.43 44891.36 36333.98 19.87 36353.85
(ii) Exchange Fluctuation Reserve
9 bm^-hm{Z boI| ‘| eof bm^ 0.00 0.00 0.00 0.00 0.00 0.00
+
&
Account
Hw$b Total 978343.18 18.43 978361.61 969777.42 19.87 969797.29
^maV ‘| In India 939927.06 0.00 939927.06 941003.92 0.00 941003.92
^maV Ho$ ~mha Out of India 38416.12 18.43 38434.55 28773.50 19.87 28793.37
Hw$b Total 978343.18 18.43 978361.61 969777.42 19.87 969797.29
216
216
62 nd Annual Report
AZwgyMr - 7 CYmar : 31.03.2019

(` bmImo§ _o§)
SCHEDULE - 7 BORROWINGS : 31.3.2019
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
1 F$U nÌ / ~ÝY nÌ
Debentures/Bonds 0.00 0.00 0.00 0.00 0.00 0.00
2 ~¢H$
Banks 0.00 0.00 0.00 0.00 0.00 0.00
3 {dÎmr¶ g§ñWmZ
Financial Institutions 0.00 0.00 0.00 0.00 0.00 0.00
4 AÝ¶
Others 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
TOTAL 0.00 0.00 0.00 0.00 0.00 0.00
^maV ‘|
In India 0.00 0.00 0.00 0.00 0.00 0.00
^maV Ho$ ~mha
Outside India 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
TOTAL 0.00 0.00 0.00 0.00 0.00 0.00
217
AZwgyMr - 8 {Zdoe (eo¶aYmaH$m| Ho$) : 31.03.2019

(` bmImo§ _o§)
SCHEDULE - 8 INVESTMENTS - SHAREHOLDERS: 31.3.2019
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
XrK©d{Y {Zdoe
LONG TERM INVESTMENTS
1 IOmZo H$s {~bmo g{hV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY nÌ

Government securities and Government 22576.88 0.00 22576.88 23283.57 0.00 23283.57
guaranteed bonds including Treasury Bills
2 AÝ¶ AZw‘mo{XH$V à{V^y{V¶m±

Other Approved Securities 0.00 0.00 0.00 0.00 0.00 0.00
3 AÝ¶ {Zdoe
Other Investments
(H$) eo¶a
(a) Shares
(H$H$) B{¹$Q>r
(aa) Equity 4870.06 0.00 4870.06 3877.82 0.00 3877.82
(II) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y

(b) Mutual Funds 0.00 0.00 0.00 0.00 0.00 0.00
(J) ì¶wáÞ ànÌ

(c) Derivative Instruments 0.00 0.00 0.00 0.00 0.00 0.00
(K) F$U-nÌ/~ÝY-nÌ
(d) Debentures/Bonds 2316.78 0.00 2316.78 2473.51 0.00 2473.51
(S>) AÝ¶ à{V^y{V¶m± : ¶y Q>r AmB© && H¡${nQ>b ‘| àma§{^H$ A§eXmZ

(e) Other Securities :Initial Contribution to UTI II Capital 186.70 0.00 186.70 186.71 0.00 186.71
(M) ghm¶H$/gh^mJr/g§¶wº$ CÚ‘

(f) Subsidiaries/Associates/Joint Ventures 33562.51 0.00 33562.51 28758.14 0.00 28758.14
(N>) {Zdoe g§n{Îm¶m± - g§nXm

(g) Investment Properties - Real Estate 0.00 0.00 0.00 0.00 0.00 0.00
4 ~w{Z¶mXr gw{dYmAm| VWm gm‘m{OH$ joÌ ‘| {Zdoe

Investments in Infrastructure and Social Sector 0.00 0.00 0.00 0.00 0.00 0.00
5 AZw‘mo{XV {Zdoemo Ho$ A{V[aº$ AÝ¶ {Zdoe

Other than Approved Investments 0.00 0.00 0.00 0.00 0.00 0.00
Aënmd{Y {Zdoe
SHORT TERM INVESTMENTS
1 IOmZo H$s {~bm| g{hV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY-nÌ

2 AÝ¶ AZw‘mo{XV à{V^y{V¶m± Other Approved Securities 0.00 0.00 0.00 0.00 0.00 0.00
218
218
62 nd Annual Report
AZwgyMr - 8 {Zdoe (Omar)

(` bmImo§ _o§)
SCHEDULE 8 31.03.2019 (Contd.)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
3 AÝ¶ {Zdoe/ Other Investments
(H$) eo¶a (a) Shares
(H$ H$) B{¹$Q>r
(aa) Equity 0.00 0.00 0.00 0.00 0.00 0.00
(I I) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y
(b) Mutual Funds 0.00 0.00 0.00 0.00 0.00 0.00
(J) ì¶wáÞ ànÌ)
(K) F$U-nÌ/~ÝY nÌ
(S>) AÝ¶ à{V^y{V¶m±
(e) Other Securities 0.00 0.00 0.00 0.00 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00
(g) Investment properties - Real Estate 0.00 0.00 0.00 0.00 0.00 0.00
4 ~w{Z¶mXr gw{dYm¶m| VWm gm‘m{OH$ joÌ ‘| {Zdoe
5 AZw‘mo{XV {Zdoem| Ho A{V[aº$ AÝ¶ {Zdoe
Hw$b Total 63661.93 0.00 63661.93 58579.75 0.00 58579.75
{Zdoe (eo¶aYmaH$mo Ho$)
INVESTMENTS
1 ^maV ‘|
In India 20856.33 0.00 20856.33 20867.65 0.00 20867.65
2 ^maV Ho$ ~mha
Outside India 42805.60 0.00 42805.60 37712.10 0.00 37712.10
Hw$b Total 63661.93 0.00 63661.93 58579.75 0.00 58579.75
(` bmIm| ‘|) (` in lakhs)
{Q>ßnUr : ghm¶H$ / gh^mJr / g§¶wº$ CnH«$‘ ‘| {Zdoe NOTE: Investments in Subsidiaries/Associates/JV : Mmby df© {nN>bo df©
Or.~r.{Z. noÝeZ ’§$S> {b{‘Q>oS> LIC Pension Fund Ltd 3000.00 3000.00
Or.~r.{Z. H$mS>© g{d©gog {b{‘Q>oS> LIC Card Services Ltd 100.00 100.00
Or.~r.{Z. (A§Vaamï´>r¶) ~r.Eg.gr. (gr.) ~harZ Life Insurance Corporation (International) B.S.C ( c ) , Bahrain 5929.27 5929.27
Ho$ZB§{S>¶m Eí¶moaoÝg H§$nZr {b{‘Q>oS> Kennindia Assurance Co. Ltd. 78.15 78.15
Or.~r.{Z. (Zonmb) {b{‘Q>oS> LIC (Nepal) Ltd. 1239.69 1239.69
Or.~r.{Z. (b§H$m) {b{‘Q>oS> LIC (Lanka) Ltd 1688.46 1688.46
ghH$mar ~r‘m Ho$ {bE gD$Xr ^maVr¶ H§$nZr Saudi Indian Company for Cooperative Insurance 716.77 1204.40
Or.~r.{Z. (qgJmnya) nr.Q>r.B©. {b{‘Q>oS> LIC Insurance Corporation (Singapore) Pte Ltd 16431.87 11139.87
Or.~r.{Z. (~§JbmXoe) {b{‘Q>oS> LIC (Bangladesh) Ltd. 4378.30 4378.30
Hw$b TOTAL TOTAL 33562.51 28758.14
{Q>ßnUr : 31.03.2019 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V¶mo# Ho$ Abmdm AÝ¶ ‘| EbAmB©grHo$ {Zdoe H$s am{e Am¡a CgH$m ~mOma ‘wë¶
NOTE: Aggregate amount of LIC's investment in other than listed equity securities# and the market value thereof as at 31.3.2019
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~hr ‘yë¶ Book value of other than listed equity 3286.71 3286.71
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~mOma ‘yë¶* Market value of other than listed equity* 3286.71 3286.71
# H$manmoaoQ> ‘§Ìmb¶ H$s gmBQ> na CnbãY pñWVr Ho$ AmYma na <
I
* H$‘r Ho$ {bE ~wH$ d¡ë¶y H$‘ àmdYmZ * Book value less provision for diminution
219
AZwgyMr - 8H$ {Zdoe (nm°{b{gYmaH$m| Ho$) : 31.03.2019

SCHEDULE - 8A INVESTMENTS - POLICYHOLDERS: 31.3.2019 (` bmImo§ _o§)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
XrKm©d{Y {Zdoe


3 (H$) eo¶a
(a) Shares
(H$H$) B{ŠdQr
(aa) Equity 45701669.45 0.00 45701669.45 45863876.03 0.00 45863876.03
(I I) A{Y‘mZr
(bb) Preference 175.23 0.00 175.23 58680.97 0.00 58680.97
(I) gh¶moJ {Z{Y
(b) Mutual Funds 0.00 0.00 0.00 24798.60 0.00 24798.60
(J) ì¶wáÞ ànÌ

(S>) AÝ¶ à{V^y{V¶m± :

(e) Other Securities
^maV gaH$ma Ho$ gmW {deof O‘m
Special Deposit with Government of India 0.00 0.00 0.00 0.00 0.00 0.00
gm‘m{OH$ gwajm {Z{Y Ho$ gmW O‘m
Deposits with Social Security Fund 0.00 0.00 0.00 0.00 0.00 0.00
AÝ¶ à{V^y{V¶m± VWm ~ÝY-nÌ
Other Securities & Bonds 21078.45 0.00 21078.45 24239.23 0.00 24239.23
¶y Q>r AmB© II H¡${nQ>b ‘| àma§{^H$ A§eXmZ
Initial Contribution to UTI II Capital 22883.39 0.00 22883.39 22883.39 0.00 22883.39
(M) ghm¶H$/gh^mJr/g§¶wº$ CÚ‘

(f) Subsidiaries/Associates/Joint Ventures 2515224.47 0.00 2515224.47 111922.02 0.00 111922.02


6 g§{X½K {Zdooem| Ho$ {bE àmdYmZ

Provision for Doubtful Investments (581588.17) 0.00 (581588.17) (675247.83) 0.00 (675247.83)
Aënmd{Y {Zdoe

2 AÝ¶ AZw‘mo{XV à{V^y{V¶m±

220
220
62 nd Annual Report
AZwgyMr - 8H$ {Zdoe (Omar)

(` bmImo§ _o§)
SCHEDULE 8A- 31.03.2019 (Contd.)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
3 (H$) eo¶a (a) Shares
(H$H$) B{ŠdQr
(aa) Equity 0.00 0.00 0.00 0.00 0.00 0.00
(I I) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y
(b) Mutual Funds 300311.66 0.00 300311.66 107868.13 0.00 107868.13
(e) Other Securities
Commercial Papers 0.00 0.00 0.00 0.00 0.00 0.00
Special Deposit with Government of India 0.00 0.00 0.00 0.00 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00
(N) {Zdoe gån{Îm¶m±-g§nXm
(g) Investments Properties- Real Estate 0.00 0.00 0.00 0.00 0.00 0.00


6 g§{X½Y VWm Cn‘mZH$ n[agån{Îm¶m| Ho$ {bE àmdYmZ

Provision for Doubtful and substandard assets (859868.90) 0.00 (859868.90) (413566.85) 0.00 (413566.85)
Hw$b Total 275354946.19 0.00 275354946.19 251554956.71 0.00 251554956.71
INVESTMENTS
1 ^maV ‘|
In India 275033684.79 0.00 275033684.79 251262194.89 0.00 251262194.89
2 ^maV Ho$ ~mha

Outside India 321261.40 0.00 321261.40 292761.82 0.00 292761.82
TOTAL 275354946.19 0.00 275354946.19 251554956.71 0.00 251554956.71

{Q>ßnUr : ghm¶H$ / gh^mJr / g§¶wº$ CnH«$‘ ‘| {Zdoe NOTE: Investments in Subsidiaries/Associates/JV :
Or.~r.{Z. å¶wÀ¶wAb ’§$S> E E‘ gr LIC Mutual Fund AMC Ltd. 495.00 495.00
Or.~r.{Z.J¥h {dÎm {b. LIC Housing Finance Ltd 98599.11 98599.11
Or.~r.{Z. å¶wÀ¶wAb ’§$S> àma§{^H$ ¶moJXmZ LIC Mutual Fund Initial Contribution. 200.00 200.00
Or.~r.{Z. å¶wÀ¶wAb ’§$S> Q´>ñQ>r H§$. àm. {b. LIC Mutual Fund Trustee Co Pvt Ltd 0.49 0.49
Or.~r.{Z. EME’$Eb EogoQ> ‘¡ZoO‘¢Q> H§$. {b. LIC HFL Asset Management Co.Ltd 49.44 49.44
Or.~r.{Z. (A§Vaamï´>r¶) ~r.Egr.gr. (gr.) ~h[aZ LIC (International)B.S.C.( c) , Bahrain 5577.97 5577.97
B§{S>¶m BÝ’«$mS>oãQ> {b. India Infradebt NIL 7000.00
AmB©Sr~rAmB© IDBI BANK 2407828.34 NIL
Hw$b TOTAL TOTAL 2512750.35 111922.01
{Q>ßnUr : 31.03.2019 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V¶mo# Ho$ Abmdm AÝ¶ ‘| EbAmB©grHo$ {Zdoe H$s am{e Am¡a CgH$m ~mOma ‘wë¶
NOTE: Aggregate amount of LIC's investment in other than listed equity securities# and the marketvalue thereof as at 31.3.2019
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~hr ‘yë¶ Book value of other than listed equity 288659.35 281815.71
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~mOma ‘yë¶* Market value of other than listed equity* 130587.21 237057.36
# H$manmoaoQ> ‘§Ìmb¶ H$s gmBQ> na CnbãY pñWVr Ho$ AmYma na <
I
* H$‘r Ho$ {bE ~wH$ d¡ë¶y H$‘ àmdYmZ * Book value less provision for diminution
221
AZwgyMr - 8I g§~Õ Xm{¶Ëd a{jV H$aZo Ho$ {bE n[ag§n{Îm¶m± : 31.03.2019

SCHEDULE - 8B ASSETS HELD TO COVER LINKED LIABILITIES : 31.3.2019 (` bmImo§ _o§)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
XrKm©d{Y {Zdoe

Government securities and Government
guaranteed bonds including Treasury Bills 0.00 3089499.50 3089499.50 0.00 2921876.58 2921876.58

3 (H$) eo¶a
(a) Shares
(H$H$) B{ŠdQr
(aa) Equity 0.00 2249249.00 2249249.00 0.00 2946434.88 2946434.88
(II) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00 4853.71 4853.71
(I) gh¶moJ {Z{Y

(b) Mutual Funds 0.00 0.00 0.00 0.00 0.00 0.00
(J) ì¶wáÞ ànÌ

(S>) AÝ¶ à{V^y{V¶m± :

(M>) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00



Aënmd{Y {Zdoe


222
222
62 nd Annual Report
31.03.2019
AZwgyMr - 8I$- (Omar)
(` bmImo§ _o§)
SCHEDULE 8B - 31.03.2019 (Contd.)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
3 (H$) eo¶a
(a) Shares
(H$H$) B{¹$Q>r
(aa) Equity 0.00 0.00 0.00 0.00 0.00 0.00
(II) A{Y‘mZr
(bb) Preference 0.00 0.00 0.00 0.00 0.00 0.00
(I) gh¶moJ {Z{Y
(b) Mutual Funds 0.00 398288.61 398288.61 0.00 560431.09 560431.09
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00
(N) {Zdoe gån{Îm¶m±-g§nXm
(g) Investments Properties- Real Estate 0.00 0.00 0.00 0.00 0.00 0.00
Other than Approved Investments 0.00 0.00 0.00 0.00 0.00 -0.01
Mmby nagån{Îm¶m±
Current Assets
6 amoH$‹S> Ed§ ~¢H$ ‘| A{Veof
Cash & Bank Balance
amoH$‹S> Cash (including cheques, drafts and stamps) 0.00 433.26 433.26 0.00 160.30 160.30
~¢H$ ‘| A{Veof
Bank Balance (Deposits)
(H$) O‘m (a) Deposits
(H$H$) Aënmd{Y
(aa) Short term 0.00 0.00 0.00 0.00 0.00 0.00
(I I) AÝ¶
(bb) Others 0.00 0.00 0.00 0.00 0.00 0.00
(I) Mmby ImVm
(b) Current Accounts 0.00 284.13 284.13 0.00 1142.67 1142.67
(J) AÝ¶
(c) Others 0.00 0.00 0.00 0.00 0.00 0.00
7 A{J«‘ Advances
AXm {H$¶m J¶m A{J«‘ H$a Ed§ ñÌmoV H$a H$Q>m¡Vr
Advance tax paid and tax deducted at source 0.00 0.00 0.00 0.00 0.00 0.00
AÝ¶ A{J«‘
Other Advances 0.00 35475.31 35475.31 0.00 12339.36 12339.36
{Zdoemona ~H$m¶m / àmoX^yV Am¶
Income outstanding/accrued on investments 0.00 57530.13 57530.13 0.00 76914.31 76914.31
Hw$b (H$) - Mmby n[agån{Îm¶m±
Total (A)- Current Assets 0.00 93722.83 93722.83 0.00 90556.64 90556.64
223
- 31.03.2019
AZwgyMr - 8I (Omar)
(` bmImo§ _o§)
SCHEDULE 8B - 31.03.2019 (Contd.)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
8 Mmby Xm{¶Ëd
Current Liabilities
’w$Q>H$a boZXoZ
Sundry Creditors 0.00 3667.00 3667.00 0.00 5233.33 5233.33
Mmby Xm{¶Ëd
Total (B)- Current Liabilities 0.00 3667.00 3667.00 0.00 5233.33 5233.33
ewÕ Mmby n[agån{Îm¶m± (H$-I)
Net current assets (A-B) 0.00 90055.83 90055.83 0.00 85323.31 85323.31
Hw$b TOTAL 0.00 7568137.19 7568137.19 0.00 8813358.34 8813358.33

INVESTMENTS
1 ^maV ‘|
In India 0.00 7562529.73 7562529.73 0.00 8808227.67 8808227.66
2 ^maV Ho$ ~mha

Outside India 0.00 5607.46 5607.46 0.00 5130.67 5130.67
TOTAL 0.00 7568137.19 7568137.19 0.00 8813358.34 8813358.33
{Q>ßnUr * Añdm{‘H$ {Z{Y ` 14193.17/- bmI ({nNbo df© ` 11771.08 bmI) Ho$ g{hV
NOTE: * Inclusive of ` 14193.17/- Lakhs(Previous Year ` 11771.08 Lakh) pertaining to Discontinued Fund.
{Q>ßnUr 31.3.2019 H$mo gH$b gyMr~Õ B{¹$Q>r à{V^y{V¶m| # Ho$ Abmdm AÝ¶ ‘| EbAmB©gr Ho$ {Zdoe H$s am{e Am¡a CgH$m ~mOma ‘wë¶
NOTE: Aggregate amount of LIC’s investment in other than listed equity securities# and the market value thereof as at 31.03.2019:
(` bmIm| ‘|)
(` in lakhs)

Curren t Year Previous Year
gyMr~Õ B{¹$Q>r Abmdm AÝ¶ H$m dhr ‘yë¶ 24478.97 24478.97
Book value of other than listed equity
gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~mOma ‘yë¶* 0.00 0.00
Market value of other than listed equity*
# H$manmoaoQ> ‘§Ìmb¶ H$r gmBQ> na CnbãY pñW{V Ho$ AmYma na

<
I
*gyMr~Õ B{¹$Q>r Ho$ Abmdm AÝ¶ H$m ~hr ‘yë¶
*Book value less provision for diminution
224
224
62 nd Annual Report
AZwgyMr - 9 F$U : 31.3.2019

(` bmImo§ _o§)
SCHEDULE - 9 LOANS: 31.3.2019
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
1 à{V^y{Vdma dJuH$aU
SECURITY - WISE CLASSIFICATION
a{jV Secured
(k) g§n{Îm Ho$ ~§YH$ aIZo na
(a) On mortgage of property
(H$H$) ^maV ‘o
(aa) In India 1779615.31 0.00 1779615.31 1891602.52 0.00 1891602.52
(II) ^maV Ho$ ~mha
(bb) Outside India 1646.68 0.00 1646.68 1859.56 0.00 1859.56
(I) eo¶am|, ~§YnÌmo, gaH$mar à{V^y{V¶m± Am{X na
(b) On Shares, Bonds, Govt. Securities, etc. 0.00 0.00 0.00 0.00 0.00 0.00
(J) nm°{b{g¶m§ na F$U
(c) Loans against Policies 9207277.12 1477.29 9208754.41 8482446.11 1742.97 8484189.08
(K) AÝ¶
(d) Others
gaH$ma Ûmam Jma§{Q>V
Guaranteed by Government 549281.64 0.00 549281.64 658407.12 0.00 658407.12
{Jadr
Hypothecation 90509.99 0.00 90509.99 93269.51 0.00 93269.51
EEZE’$ A{J«‘
ANF Advances 0.02 0.00 0.02 0.22 0.00 0.22
AZma{jV F$U
Unsecured Loans 106205.01 0.00 106205.01 109933.74 0.00 109933.74
g§{X½Y F$Um| Ho$ {bE àmdYmZ
Provision for Doubtful Loans (1303758.04) 0.00 (1303758.04) (964281.42) 0.00 (964281.42)
Hw$b / Total 10430777.73 1477.29 10432255.02 10273237.36 1742.97 10274980.33
2 CYmaH$Vm©dma dJuH$aU
BORROWER - WISE CLASSIFICATION
(H$) H|$Ð VWm amÁ¶ gaH$ma
(a) Central and State Governments 340669.76 0.00 340669.76 395534.68 0.00 395534.68
(I) ~¢H$ VWm {dÎmr¶ g§ñWmZ
(b) Banks and Financial Institutions 0.00 0.00 0.00 10.30 0.00 10.30
(J) ghm¶H$
(c) Subsidiaries 0.00 0.00 0.00 0.00 0.00 0.00
(K) H§$n{Z¶m±
(d) Companies 1591929.80 0.00 1591929.80 1658632.53 0.00 1658632.53
(S>) nm°{b{g¶mo na F$U
(e) Loans against policies 9207277.12 1477.29 9208754.41 8482446.11 1742.97 8484189.08
(M) AÝ¶
(f) Others
~§YH$ g§n{Îm
Mortgage Property 36384.71 0.00 36384.71 37284.91 0.00 37284.91
‘hmZJanm{bH$mE±
Municipalities 7088.00 0.00 7088.00 7962.56 0.00 7962.56
amÁ¶ {dÚwV‘§S>b / D$Om© CËnmXH$
State Electricity Boards/ Power Generators 260200.04 0.00 260200.04 338980.32 0.00 338980.32
amÁ¶ g‹S>H$ n[adhZ {ZJ‘
State Road Transport Corporation 0.00 0.00 0.00 0.00 0.00 0.00
ghH$mar Am¡Úmo{JH$ g§nXm
Co-operative Industrial Estates 0.00 0.00 0.00 0.00 0.00 0.00
ghH$mar Amdmg g§ñWmE±
Housing Co-op Societies 44632.97 0.00 44632.97 38800.59 0.00 38800.59
225
AZwgyMr - 9 F$U : 31.3.2019 (Omar)

(` bmImo§ _o§)
SCHEDULE - 9 LOANS: 31.3.2019 (Contd.)
(` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
qgMZ joÌ / Irrigation Sector 10666.67 0.00 10666.67 24666.65 0.00 24666.65
S>ãë¶y.Eg.~r., Eg.E’$.gr. nr.Q>r.Ama. Amo.Q>r.EM., Eb.S>r.~r..,
AmXr
WSB, SFC, PTR,OTH,LDB Etc. 235686.06 0.00 235686.06 253199.29 0.00 253199.29
EEZE’$ A{J«‘/ ANF Advances 0.02 0.00 0.02 0.22 0.00 0.22
AÝ¶ F$U / Other Loans 0.62 0.00 0.62 0.62 0.00 0.62
(N>) AemoÜ¶ VWm g§{X½Y F$Um| Ho$ {bE àmdYmZ

(g) Provision for bad and doubtful debts (1303758.04) 0.00 (1303758.04) (964281.42) 0.00 (964281.42)
Hw$b Total 10430777.73 1477.29 10432255.02 10273237.36 1742.97 10274980.33
3 {ZînmXZdma dJuUH$a
PERFORMANCE - WISE CLASSIFICATION
(H$) dJuH¥$V ‘mZH$ F$U
PQ&
(H$H$) ^maV ‘|
(aa) In India 10377327.54 1477.29 10378804.83 9959024.94 1742.97 9960767.91
(II) ^maV Ho$ ~mha
(bb) Outside India 17753.45 0.00 17753.45 17475.91 0.00 17475.91
‘mZH$ F$U Ho$ {bE àmdYmZ
Provision for Standard Loans (41577.84) 0.00 (41577.84) (51009.52) 0.00 (51009.52)
(I) J¡a ‘mZH$ F$U
(b) Non-standard loans
(aa)
^maV ‘| / In India 1338051.56 0.00 1338051.56 1261017.93 0.00 1261017.93
^maV Ho$ ~mha /Outside India
(bb) 1403.22 0.00 1403.22 0.00 0.00 0.00
J¡a ‘mZH$ F$U Ho$ {bE àmdYmZ
Provision for Non Standard Loans (1262180.20) 0.00 (1262180.20) (913271.90) 0.00 (913271.90)
Hw$b Total 10430777.73 1477.29 10432255.02 10273237.36 1742.97 10274980.33
4 n[adMVmdma dJuH$aU
MATURITY - WISE CLASSIFICIATION
(H$) Aënmd{Y / (a) Short Term
^maV ‘| / In India 296326.57 0.00 296326.57 208015.48 0.00 208015.48
^maV Ho$ ~mha / Out of India 460.91 0.00 460.91 391.96 0.00 391.96
AënmdYr Ho$ {bE àmdYmZ
Provision for Short Term (249813.72) 0.00 (249813.72) (183863.79) 0.00 (183863.79)
(I) XrKm©d{Y (b) Long Term

^maV ‘| / In India 11419052.53 1477.29 11420529.82 11012027.39 1742.97 11013770.36
XrKm©d{X Ho$ {bE àmdYmZ
Provision for Long Term (1053944.32) 0.00 (1053944.32) (780417.63) 0.00 (780417.63)
Hw$b Total 10430777.73 1477.29 10432255.02 10273237.36 1742.97 10274980.33
F$U LOANS
1 ^maV ‘| / In India 10412341.20 1477.29 10413818.49 10257559.02 1742.97 10259301.99

2 ^maV Ho$ ~mha /Outside India 18436.53 0.00 18436.53 15678.34 0.00 15678.34
Hw$b TOTAL 10430777.73 1477.29 10432255.02 10273237.36 1742.97 10274980.33
Note: Policy loans (In India business) has been categorised under Long term.
226
226
AZwgyMr - 10 AMb n[ag§n{Îm¶m± : 31.3.2019
SCHEDULE - 10 FIXED ASSETS: 31.3.2019 (` bmImo§ _o§)
(` in lakhs)
{ddaU Particulars J¡a-g§~Õ ì¶dgm¶ g§~Õ Hw$b ewÕ ãbm°H$

Non-linked Business Total Net Block
ì¶dgm¶
Linked
Business
bmJV / Hw$b ãbm°H$ Cost/Gross Block ‘yë¶èhmg n[aemoYZ Am¡a hm{Z ewÕ ãbm°H$
Depreciation/Amortisation & Impairment Net Block
àma§{^H$ Omo‹S> H$Q>m¡{V¶m± A§{V‘ {nN>bo df© df© Ho$ {bE {dH«$s / VmarI VH$ df© Ho$ A§V ‘| df© Ho$ A§V ‘| Mmby df© {nN>bo df©
Opening Closing For The year As at year As at year Current Year Previous
62 nd Annual Report
Additions Deductions VH$ Up to Date

01.04.2018 31.03.2019 g‘m¶moOZ na end end Year
Upto Last On Sales/
year ¢
JwS>{db
Goodwill 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
AàË¶j
Intangibles 4991.14 0.00 0.00 4991.14 890.70 0.00 -512.55 1403.25 3587.89 0.00 3587.89 4100.44
^y{‘-nyU© g§nXm
Land-Freehold 9589.28 46.53 258.50 9377.31 0.00 0.00 0.00 0.00 9377.31 0.00 9377.31 9589.28
nQR ^w{‘
Land-Leasehold 8916.68 0.00 99.48 8817.20 812.16 99.17 0.00 911.33 7905.87 0.00 7905.87 8104.52
^dZ
Buildings 233433.25 11163.90 2183.19 242413.96 62912.41 6750.50 17.54 69645.37 172768.59 0.00 172768.59 170520.84
’$ZuMa Ed§ {’$qQ>J

Furniture & Fittings 42854.75 2589.96 655.80 44788.91 31566.09 3057.74 723.11 33900.72 10888.19 0.00 10888.19 11288.66
gyMZm àmÜ¶mo{JH$s CnñH$a

Information Technology
Equipment 115349.53 12199.00 4864.42 122684.11 94790.57 11033.75 5964.79 99859.53 22824.58 0.00 22824.58 20558.96
dmhZ
Vehicles 69282.62 13824.87 2581.71 80525.78 43155.14 9892.28 2585.80 50461.62 30064.16 0.00 30064.16 26127.48
H$m¶m©b¶ CnñH$a
BJ " 6564.25 220.25 96.40 6688.10 5330.10 397.24 107.95 5619.39 1068.71 0.00 1068.71 1234.15
AÝ¶/ Others
Q>o{b’$moZ
Telephones 1416.29 41.66 10.04 1447.91 1204.39 35.15 6.05 1233.49 214.42 0.00 214.42 211.90
’¡$³g/BnrE~rE³g
Fax/EPabx 260.89 0.20 1.78 259.31 255.42 1.84 1.87 255.39 3.92 0.00 3.92 5.47
‘mo~mB©b ’$moZ
Mobile Phones 31.77 3.63 0.55 34.85 26.80 3.24 0.55 29.49 5.36 0.00 5.36 4.97
nwñVH$mb¶ H$s nwñVHo$

Library books 54.70 2.76 1.39 56.07 52.60 1.35 -0.22 54.17 1.90 0.00 1.90 2.10
{d{dY ny±Or CnñH$a

Miscellaneous Capital
Equipment 5085.53 377.11 30.12 5432.52 3355.71 305.72 14.99 3646.44 1786.08 0.00 1786.08 1729.82
227
AZwgyMr - 10 AMb n[ag§n{Îm¶m± : 31.3.2019 (Omar)
(` bmImo§ _o§)
228
SCHEDULE - 10 FIXED ASSETS: 31.3.2019 (Contd.)
(` in lakhs)

ì¶dgm¶
Linked
Business
bmJV / Hw$b ãbm°H$ Cost/Gross Block ‘yë¶èhmg n[aemoYZ Am¡a hm{Z ewÕ ãbm°H$
Opening Additions Deductions Closing For The year Up to Date As at year As at year Current Year Previous
01.04.2018 31.03.2019
VH$ g‘m¶moOZ na end end Year
Upto Last On Sales/
year ¢
X¥î¶lmì¶ VWm AÝ¶ gå~[ÝYV

àMma CnñH$a
Audio visual and other allied
publicity equipment 6413.93 681.28 23.33 7071.88 4096.27 884.51 15.48 4965.30 2106.58 0.00 2106.58 2317.66
B§{OZr¶[a¨J {d^mJ CnñH$a

Engineering Dept. equipment 6.49 0.00 0.00 6.49 5.01 0.50 0.00 5.51 0.98 0.00 0.98 1.48
ìhmobQ>oO ñQ>{~bm¶Pa VWm ¶y.nr.

Eg.
@ *, 13671.20 893.91 427.24 14137.87 12090.09 871.43 450.61 12510.91 1626.96 0.00 1626.96 1581.11
{H$amE Ho$ ^dZmona OZaoQ>a, S>r.

Or. goQ>g²
Generators, DG sets in
rented premises 182.52 9.79 2.90 189.41 151.26 14.99 -4.02 170.27 19.14 0.00 19.14 31.26
^dZmo H$r ZdrZrH$aU

Modernisation of Premises 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b / Total 518104.82 42054.85 11236.85 548922.82 260694.72 33349.41 9371.95 284672.18 264250.64 0.00 264250.64 257410.10
àJ{V na H$m¶©
Work in Progress 17476.05 8865.90 2192.51 24149.44 0.00 0.00 0.00 0.00 24149.44 0.00 24149.44 17476.05
gH$b Hw$b / Grand Total 535580.87 50920.75 13429.36 573072.26 260694.72 33349.41 9371.95 284672.18 288400.08 0.00 288400.08 274886.15
{nN>bo gmb H$m Hw$b

Previous Year 505149.85 57141.48 26710.46 535580.87 246570.87 30183.57 16059.72 260694.72 274886.15 0.00 274886.15 258578.98
{Q>ßnUr : *Mmby df© ‘o§ Q>r.S>r.Ama. na 512.56 bmI H$s ‘yë¶ hm{Z H$m boIm§H$Z {H$¶m J¶m
{;'; "\\` $

">\
228
AZwgyMr - 10 AMb n[ag§n{Îm¶m± : 31.3.2018
SCHEDULE - 10 FIXED ASSETS: 31.3.2018 (` bmImo§ _o§)
(` in lakhs)

ì¶dgm¶
Linked
Business
bmJV / Hw$b ãbmH$ Cost/Gross Block ‘yë¶èhmg n[aemoYZ Am¡a hm{Z ewÕ ãbm°H$
Opening Closing For The year Up to Date As at year As at year Current Year Previous
62 nd Annual Report
Additions Deductions VH$ g‘m¶moOZ na

01.04.2017 31.03.2018 end end Year
Upto Last On Sales/
year ¢
JwS>{db
Goodwill 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
AàË¶j
Intangibles 4991.14 0.00 0.00 4991.14 378.14 0.00 -512.56 890.70 4100.44 0.00 4100.44 4613.00
^y{‘-nyU© g§nXm
Land-Freehold 12493.09 914.56 3818.37 9589.28 59.31 0.00 59.31 0.00 9589.28 0.00 9589.28 12433.78
nQR ^w{‘
Land-Leasehold 8926.56 0.00 9.88 8916.68 710.42 101.74 0.00 812.16 8104.52 0.00 8104.52 8216.14
^dZ
Buildings 220291.25 13358.11 216.11 233433.25 56636.84 6359.56 83.99 62912.41 170520.84 0.00 170520.84 163654.41
’$ZuMa Ed§ {’$qQ>J

Furniture & Fittings 44899.99 2645.11 4690.35 42854.75 32596.66 3706.69 4737.26 31566.09 11288.66 0.00 11288.66 12303.33
gyMZm àmÜ¶mo{JH$s CnñH$a

Information Technology
Equipment 103403.92 17820.51 5874.90 115349.53 92244.73 9121.19 6575.35 94790.57 20558.96 0.00 20558.96 11159.19
dmhZ
Vehicles 60578.39 12664.41 3960.18 69282.62 39121.95 8569.39 4536.20 43155.14 26127.48 0.00 26127.48 21456.44
H$m¶m©b¶ CnñH$a
BJ " 6478.32 208.73 122.80 6564.25 5087.79 392.51 150.20 5330.10 1234.15 0.00 1234.15 1390.53
AÝ¶/ Others
Q>o{b’$moZ
Telephones 1342.64 86.78 13.13 1416.29 1182.76 31.48 9.85 1204.39 211.90 0.00 211.90 159.88
’¡$³g/nrEãmrE³g
Fax/Pabx 277.40 -0.31 16.20 260.89 269.91 1.99 16.48 255.42 5.47 0.00 5.47 7.49
‘mo~mB©b ’$moZ
Mobile Phones 28.69 4.20 1.12 31.77 25.81 1.93 0.94 26.80 4.97 0.00 4.97 2.88
nwñVH$mb¶ H$s nwñVHo$

Library books 68.91 -14.71 -0.50 54.70 66.64 0.91 14.95 52.60 2.10 0.00 2.10 2.27
{d{dY ny±Or CnñH$a

Miscellaneous Capital
Equipment 4602.04 522.45 38.96 5085.53 3097.86 283.41 25.56 3355.71 1729.82 0.00 1729.82 1504.18
229
AZwgyMr - 10 AMb n[ag§n{Îm¶m± : 31.3.2018 (Omar)
(` bmImo§ _o§)
230
SCHEDULE - 10 FIXED ASSETS: 31.3.2018 (Contd.)
(` in lakhs)

ì¶dgm¶
Linked
Business
bmJV / Hw$b ãbmH$ Cost/Gross Block ‘yë¶èhmg n[aemoYZ Am¡a hm{Z ewÕ ãbm°H$
Opening Additions Deductions Closing For The year Up to Date As at year As at year Current Year Previous
01.04.2017 31.03.2018
VH$ g‘m¶moOZ na end end Year
Upto Last On Sales/
year ¢
X¥î¶lmì¶ VWm AÝ¶ gå~[ÝYV

àMma CnñH$a
Audio visual and other allied
publicity equipment 5283.07 1155.26 24.40 6413.93 3388.45 724.60 16.78 4096.27 2317.66 0.00 2317.66 1894.62
B§{OZr¶[a¨J {d^mJ CnñH$a

Engineering Dept. equipment 6.49 0.00 0.00 6.49 4.50 0.51 0.00 5.01 1.48 0.00 1.48 1.99
ìhmobQ>oO ñQ>{~bm¶Pa VWm ¶y.nr.

Eg.
@ *, 13048.85 976.81 354.46 13671.20 11565.42 865.93 341.26 12090.09 1581.11 0.00 1581.11 1483.43
{H$amE Ho$ ^dZmona OZaoQ>a, S>r.

Or. goQ>g²
Generators, DG sets in
rented premises 185.92 -2.43 0.97 182.52 133.68 21.73 4.15 151.26 31.26 0.00 31.26 52.24
^dZmo H$r ZdrZrH$aU

Modernisation of Premises 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b / Total 486906.67 50339.48 19141.33 518104.82 246570.87 30183.57 16059.72 260694.72 257410.10 0.00 257410.10 240335.80
àJ{V na H$m¶©
Work in Progress 18243.18 6802.00 7569.13 17476.05 0.00 0.00 0.00 0.00 17476.05 0.00 17476.05 18243.18
gH$b Hw$b / Grand Total 505149.85 57141.48 26710.46 535580.87 246570.87 30183.57 16059.72 260694.72 274886.15 0.00 274886.15 258578.98
{nN>bo gmb H$m Hw$b

Previous Year 538485.90 34399.85 67735.90 505149.85 227347.02 32601.31 13377.46 246570.87 258578.98 0.00 258578.98 311138.88
{Q>ßnUr : *Mmby df© ‘o§ Q>r.S>r.Ama. na 512.56 bmI H$s ‘yë¶ hm{Z H$m boIm§H$Z {H$¶m J¶m
{;'; "\\` $

">\
230
62 nd Annual Report
AZwgyMr - 11 amoH$‹S> Ed§ ~¢H$ ‘| A{Veof : 31.3.2019

(` bmImo§ _o§)
SCHEDULE - 11 CASH AND BANK BALANCES: 31.3.2019 (` in lakhs)

J¡a-g§~Õ g§~Õ Hw$b J¡a-g§~Õ g§~Õ Hw$b

TOTAL TOTAL
ì¶dgm¶ ì¶dgm¶ ì¶dgm¶ ì¶dgm¶
Non-linked Linked Non-linked Linked
Business Business Business Business
1 ZH$X (MoH$, S´>mâQ> Ed§ ñQ>°ån g{hV)
Cash (including cheques, drafts and stamps) 413382.69 0.00 413382.69 298850.86 0.00 298850.86
2 ~¢H$ O‘m
Bank Balances
(H$) O‘m ImVm

(a) Deposit Accounts
(H$H$) Aënmd{Y (VwbZ nÌ H$s VmarI go 12 _{hZmo§ Ho ^rVa Xo`)

(aa) Short-term (due within 12 months of the date of Balance Sheet) 149305.38 0.00 149305.38 179729.86 0.00 179729.86
(II) AÝ¶
(bb) Others 47509.86 0.00 47509.86 83535.62 0.00 83535.62
(I) Mmby ImVm

(b) Current Accounts 1504592.82 144.97 1504737.79 989931.18 2100.11 992031.29
(J) AÝ¶
(c) Others 0.00 0.00 0.00 0.00 0.00 0.00
3 ‘m§JZo na Am¡a Aën gyMZm na YZ

Money at Call and Short Notice
(H$) ~¢H$ ‘|
(a) With Banks 0.00 0.00 0.00 0.00 0.00 0.00
(I) AÝ¶ g§ñWmZm| ‘|

(b) With other Institutions 0.01 0.00 0.01 0.01 0.00 0.01
(J) AÝ¶ - Ama.B.nr.Amo.Eg.

( c ) Other -REPOS 0.00 0.00 0.00 0.00 0.00 0.00
(K) gr.~r.Eb.Amo.
( d ) CBLO 2078366.26 0.00 2078366.26 663911.09 0.00 663911.09
4 AÝ¶ : ‘mJ©ñV àmofñV YZ
Others - Remittances in transit 24510.59 0.00 24510.59 49994.32 0.00 49994.32
Hw$b Total 4217667.61 144.97 4217812.58 2265952.94 2100.11 2268053.05
J¡a AZwgy{MV ~¢H$mo H$s eof Cnamoº$ 2 VWm 3 ‘| gpå‘{bV h¡*

Balances with non-scheduled banks included in
2 and 3 above.*
amoH$‹S> Ed§ ~¢H$ ‘| A{Veof
CASH & BANK BALANCES
1 ^maV ‘|
In India 4212234.02 144.97 4212378.99 2255348.21 2100.11 2257448.32
2 ^maV Ho$ ~mha
Outside India 5433.59 0.00 5433.59 10604.73 0.00 10604.73
Hw$b Total 4217667.61 144.97 4217812.58 2265952.94 2100.11 2268053.05
*ñWmZr¶ {d{Y Ho$ AZwgma {dXoer emImAm| Ho$ ~¢H$ ImVm| Ho$ Abmdm
*Excluding bank accounts of foreign branches which are held as per local laws.
231
AZwgyMr - 12 A[J«‘ Ed§ AÝ¶ n[agån{Îm¶m± : 31.3.2019 (` bmImo§ _o§)

SCHEDULE - 12 ADVANCES AND OTHER ASSETS: 31.3.2019 (` in lakhs)

TOTAL TOTAL
A[J«‘ / ADVANCES
1 A§VaU H§$n{Z¶m| ‘| Ama{jV O‘m

Reserve deposits with ceding companies 0.00 0.00 0.00 0.00 0.00 0.00
2 A§VaU H§$n{Z¶m| H$mo A[J«‘

Advances to ceding companies 0.00 0.00 0.00 0.00 0.00 0.00
3 {Zdoemo Ho$ {bE AmdoXZ YZ

Application money for investments 0.00 0.00 0.00 16860.56 0.00 16860.56
4 nhbo ^wJVmZ / nyd©XÎm IM©

Prepayments/Prepaid Expenditure 48995.28 0.00 48995.28 41104.01 0.00 41104.01
5 A{YH$m[a¶m| / {ZXoeH$m| H$mo§ A[J«‘

BJ \; 0.83 0.00 0.83 0.32 0.00 0.32
6 AXm {H$¶m J¶m A{J«‘ H$a Ed§ ñÌmoV H$a H$Q>m¡Vr

Advance tax paid and taxes deducted at source 3063140.74 0.00 3063140.74 2351405.28 0.00 2351405.28
H$mamYmZ Ho$ {bE ewÕ n«mdYmZ
(Net of Provision for tax of ` 4765573.18)
{nNbo df©
(Previous Year ` 3992540.36)
7(a) AÝ¶ / Others
(H$) H$‘©Mm[a¶m| H$m A{J«‘
i. Advances to employees 97749.00 0.00 97749.00 17533.31 0.00 17533.31
(I) AÝ¶ H$mo A{J«‘

ii. Advances to others 6718.56 0.00 6718.56 6423.60 0.00 6423.60
(J) O‘m
iii. Deposits 6349.52 0.00 6349.52 5327.26 0.00 5327.26
(K) AÝ¶ A{J«‘

iv. Other advances 99020.87 11715.78 110736.65 60134.55 13416.18 73550.73
7(b) ’w$Q>H$a XoZXma, A{J«‘ VWm O‘m Ho$ {bE àmdYmZ

Provision for sundry debtors, (9645.68) 0.00 (9645.68) (6641.38) 0.00 (6641.38)
advances and deposits
Hw$b Total (A) 3312329.12 11715.78 3324044.90 2492147.51 13416.18 2505563.69
AÝ¶ n[agån{Îm¶m±
OTHER ASSETS
1 {Zdoemona ~H$m¶m / àmoX^yV Am¶

Income outstanding/accrued on investments 5925825.31 57253.12 5983078.43 5294490.60 54073.38 5348563.98
g§{X½Y ã¶mO VWm bm^m§e H$m àmdYmZ

Provision for doubtful Interest & Dividends (967581.95) 0.00 (967581.95) (819506.40) 0.00 (819506.40)
2 ~H$m¶m àr{‘¶‘
Outstanding Premiums 1010717.39 0.00 1010717.39 960860.36 0.00 960860.36
3 EO§Q>mo Ho$ eof
Agents' Balances 192695.59 0.00 192695.59 266909.52 0.00 266909.52
232
232
62 nd Annual Report
AZwgyMr - 12 A[J«‘ Ed§ AÝ¶ n[agån{Îm¶m± : 31.3.2019 (Omar)

(` bmImo§ _o§)
SCHEDULE - 12 ADVANCES AND OTHER ASSETS: 31.3.2019 (Contd.)
(` in lakhs)

TOTAL TOTAL
EO§Q>mo Ho$ g§{X½Y eof Ho$ {bE àmdYmZ
Provision for agents doubtful balances (27.07) 0.00 (27.07) (24.52) 0.00 (24.52)
4 {dXoer EO{g¶mo Ho$ eof

Foreign Agencies' Balances 0.00 0.00 0.00 0.00 0.00 0.00
g§{X½Y {dXoer EO{g¶mo Ho$ eof Ho$ {bE àmdYmZ
Provision for agents doubtful balances 0.00 0.00 0.00 0.00 0.00 0.00
5 ~r‘m ì¶dgm¶ H$aZodmbr AÝ¶ B§{Q>{Q>¶mo go àmá hmoZo dmbm

Due from other entities carrying on insurance business 0.00 0.00 0.00 0.00 0.00 0.00
6 ghm¶H$/{Z¶§ÌH$ H§$nZr go àmá hmoZodmbm

Due from subsidiaries/holding company 153.58 0.00 153.58 153.52 0.00 153.52
7 nwZ~u‘m Xmdo / eof àmß¶

Reinsurance claims/balances receivable 0.00 0.00 0.00 0.00 0.00 0.00
8 ^maVr¶ [aOd© ~¢H$ ‘| O‘m

(~r‘m A{Y{Z¶‘, 1938 H$s IÊS> 7 Ho$ AZwgaU ‘|)
Deposit with Reserve Bank of India 0.00 0.00 0.00 0.00 0.00 0.00
(Pursuant to Section 7 of Insurance Act, 1938)
9 AÝ¶/ Others
i ~H$m¶m / àmoT>^yV F$U na ã¶mO
Interest on loans outstanding/accrued 2178172.60 507.47 2178680.07 2018495.16 506.03 2019001.19
ii ñQ>oeZar H$s ñQ>m°H$, Am{X hmW ‘|

Stock of stationery, etc. on hand 7154.28 0.00 7154.28 6685.19 0.00 6685.19
iii Añdm{_H$ am{e go g§~{YV n[ag§n{Îm¶m± (nr.E\ 26)

Assets pertaining to Unclaimed amount (PF. 26) 1410872.95 0.00 1410872.95 930426.61 0.00 930426.61
iv AÝ¶ n[ag§n{Îm¶m±
Other assets 9209.46 0.00 9209.46 9512.95 0.00 9512.95
v (H$) {Z{YH$ ã¶mO

(a) Funded interest 247819.14 0.00 247819.14 263613.89 0.00 263613.89
(I) {Z{YH$ ã¶mO Ho$ {bE àmdYmZ
(b) Provision for Funded interest (247819.14) 0.00 (247819.14) (263613.89) 0.00 (263613.89)
vi (H$) {Zdoe {OZH$m Am~§Q>Z ~mH$s h¡

(a) Investments Pending Allotment 15994.97 0.00 15994.97 3454.45 0.00 3454.45
(I) {d{dY XoZXma, A{J«‘ Ed§ O‘m Ho$ {bE àmdYmZ
(b) Provision for Sundry Debtors,Advances & Deposits (3454.45) 0.00 (3454.45) (3454.45) 0.00 (3454.45)
vii godm H$a/Or Eg Qr H$m O‘m eof
, N\$,* 94309.65 0.00 94309.65 25988.27 0.00 25988.27
Hw$b (I) Total (B) 9874042.31 57760.59 9931802.90 8693991.26 54579.41 8748570.67
Hw$b (H$ + I) Total (A + B) 13186371.43 69476.37 13255847.80 11186138.77 67995.59 11254134.36
^maV ‘| / In India 13182026.96 69476.37 13251503.33 11181001.26 67995.59 11248996.85

Hw$b Total 13186371.43 69476.37 13255847.80 11186138.77 67995.59 11254134.36
233
AZwgyMr - 13 Mmby Xo¶VmE§ : 31.3.2019 (` bmImo§ _o§)

SCHEDULE - 13 CURRENT LIABILITIES:31.3.2019 (` in lakhs)


ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
1 EO§Q>mo Ho$ eof / Agents' Balances 0.00 0.00 0.00 0.00 0.00 0.00
2 AÝ¶ ~r‘m H§$n{Z¶m| H$mo Xo¶ am{e
Balances due to other insurance companies (191.14) 0.00 (191.14) 11510.45 0.00 11510.45
3 g§{Y H§$n{Z¶m| Ho$ A{J«‘
Advances from Treaty Companies 0.00 0.00 0.00 0.00 0.00 0.00
4 nyZ~u‘m A§VaU na Ym[aV O‘m
Deposits held on re-insurance ceded 0.00 0.00 0.00 0.00 0.00 0.00
5 A{J«‘ ê$n ‘| àmá àr{‘¶‘
Premiums received in advance 4813.04 0.00 4813.04 2177.44 0.00 2177.44
6 ’w$Q>H$a boZXma / Sundry creditors 1026444.03 7507.07 1033951.10 1046432.60 8119.05 1054551.65
7 ghm¶H$ / {Z¶§ÌH$ H§$nZr H$mo Xo¶
Due to subsidiaries/holding company 0.00 0.00 0.00 0.00 0.00 0.00
8 ~H$m¶m Xmd| / Claims Outstanding 415846.10 76567.16 492413.26 115373.04 250568.70 365941.74
9 Xo¶ dm{f©{H$¶m± / Annuities Due 35823.15 0.00 35823.15 32756.54 0.00 32756.54
10 ~¢H$ eof / Bank Balances 0.00 0.00 0.00 0.00 0.00 0.00
11 A{YH$m[a¶m| / {ZXoeH$mo H$s Xo¶ ; BJ \;
0.00 0.00 0.00 0.00 0.00 0.00
12 AÝ¶ / Others
H$ H$‘©Mmar ^{dî¶ VWm noÝeZ Ho$ Ý¶m{g¶m| H$mo Xo¶ am{e¶m±

a
I :
451802.43 0.00 451802.43 621505.85 0.00 621505.85
I ~H$m¶m H$‘reZ
b Outstanding Commission 151084.49 0.01 151084.50 160241.90 0.98 160242.88
J àr{‘¶‘ VWm AÝ¶ O‘m am{e¶m±
c Premium and other deposits 90142.05 186.37 90328.42 202488.79 115.27 202604.06
K ~H$m¶m Añdm{‘H$ am{e / O‘m
d Outstanding unclaimed amounts/deposits 964045.51 278184.39 1242229.90 771028.54 187816.69 958845.23
L doXmdm am{e`m| na A{O©V ì`mO
e Interest Accured on Unclaimed amounts 114827.43 27279.07 142106.50 75823.06 16233.28 92056.34
M> n«má n«r{_`_ {OZH$m Amd§QZ Zhr hwAm
f Premium received but not allocated 0.00 189.35 189.35 0.00 61.58 61.58
N godm H$a/Or Eg Qr Xm{¶Ëd
> g Service Tax/GST Liability 142766.31 467.43 143233.74 83440.38 1365.99 84806.37
O ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ Mmby ImVm
h Capital Redemption (including annuity certain) business (1410.08) 0.00 (1410.08) (2363.71) 0.00 (2,363.71)
current account
P d[að> noÝeZ ~r‘m ¶moOZm Mmby ImVm (161)
i @ +X¢ P2H2Q 27567.23 0.00 27567.23 25602.15 0.00 25602.15
Z d[að> noÝeZ ~r‘m ¶moOZm Mmby ImVm (828)
¢ @ +X¢ P3/3Q 3511.64 0.00 3511.64 3372.73 0.00 3372.73
n nr.E‘. dr.d>r.dm¶. Mmby ImVm (842)
k PMVVY Current Account (842) 13107.11 0.00 13107.11 4874.96 0.00 4874.96
’$ nr.E‘. dr.d>r.dm¶. Mmby ImVm (842 Z¶m)
l PMVVY Current Account (842 New) 31258.63 0.00 31258.63 0.00 0.00 0.00
~ gm‘m{OH$ gwajm {Z{Y Mmby ImVm
m Social Security Fund Current account (126.34) 0.00 (126.34) 3.82 0.00 3.82
^ Am‘ AmX‘r ~r_m `moOZm NmÌ d¥{Õ Mmby ImVm
n +X¢, 0.52 0.00 0.52 (1.64) 0.00 (1.64)
_ N>mÌd¥{Îm H$mof Mmby ImVm
o Scholarship Fund Contra Accounts 0.00 0.00 0.00 0.00 0.00 0.00
` nr.E‘.Oo.S>r.dm¶. Mmby ImVm
p PMJDY contra account (2263.62) 0.00 (2263.62) (668.59) 0.00 (668.59)
a nr.E‘.Eg.dm¶.E‘. Mmby ImVm
q PMSYM Current Account 0.46 0.00 0.46 0.00 0.00 0.00
b g§~Õ ì¶dgm¶ Mmby ImVm
r Linked Business Contra account 516516.16 (516516.16) 0.00 (56126.37) 56126.37 0.00
Hw$b / Total 3985565.11 (126135.31) 3859429.80 3097471.94 520407.91 3617879.85
^maV ‘| /In India 3959521.81 (125935.86) 3833585.95 3073533.11 520626.09 3594159.20
^maV Ho$ ~mha / Out of India 26043.30 (199.45) 25843.85 23938.83 (218.18) 23720.65
Hw$b / Total 3985565.11 (126135.31) 3859429.80 3097471.94 520407.91 3617879.85
234
234
62 nd Annual Report
AZwgyMr - 14 àmdYmZ : 31.3.2019

(` bmImo§ _o§)
SCHEDULE - 14 PROVISIONS : 31.3.2019
(` in lakhs)

ì¶dgm¶ Business
ì¶dgm¶ Business
Business Business
1 H$amYmZ Ho$ {bE (KQ>mBE ^wJVmZ Ed§ ómoV na H$a H$Q>m¡Vr)

For taxation (less payments and taxes 0.00 0.00 0.00 0.00 0.00 0.00
deducted at source)
2 àñVm{dV bm^m§e Ho$ {bE (5% ‘yë¶Z A{Yeof)
For proposed dividends (5% Valuation Surplus) 266059.54 0.00 266059.54 225242.25 0.00 225242.25
3 bm^m§e {dVaU H$a Ho$ {bE

For dividend distribution tax 0.00 0.00 0.00 0.00 0.00 0.00
4 AÝ¶
Others
emoYj‘Vm gr‘m Ho$ {bE AmajU H$m àmdYmZ
Provision for reserve for solvency margin 1494305.60 0.00 1494305.60 1494305.60 0.00 1494305.60
Hw$b
Total 1760365.14 0.00 1760365.14 1719547.85 0.00 1719547.85
^maV ‘|
In India 1760030.52 0.00 1760030.52 1719259.99 0.00 1719259.99
^maV Ho$ ~mha
Out of India 334.62 0.00 334.62 287.86 0.00 287.86
Hw$b
Total 1760365.14 0.00 1760365.14 1719547.85 0.00 1719547.85
AZwgyMr - 15 {d{dY ì¶¶ (Omo ~Å>o ImVo ‘| Z S>mbo JE hmo ¶m gm‘m¶mo{OV Z {H$E JE hm|) : 31.3.2019 (` bmImo§ _o§)
SCHEDULE 15 MISCELLANEOUS EXPENDITURE : 31.3.2019 ! ^

(` in lakhs)

J¡a-g§~Õ g§~Õ ì¶dgm¶ Hw$b J¡a-g§~Õ g§~Õ Hw$b

Linked TOTAL TOTAL
ì¶dgm¶ Business
ì¶dgm¶ ì¶dgm¶
Non-linked Non-linked Linked
Business Business Business
1 eo¶a / F$U-nÌ Omar H$aZo ‘| AZw‘V Ny>Q>

Discount Allowed in issue of 0.00 0.00 0.00 0.00 0.00 0.00
shares/debentures
2 AÝ¶
Others 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
Total 0.00 0.00 0.00 0.00 0.00 0.00
^maV ‘o
In India 0.00 0.00 0.00 0.00 0.00 0.00
^maV Ho$ ~mha
Outside India 0.00 0.00 0.00 0.00 0.00 0.00
Hw$b
Total 0.00 0.00 0.00 0.00 0.00 0.00
235
AZwgyMr - 15 H
OrdZ VWm ny±Or ‘moMZ {ZYm©[aV dm{f©H$s ì¶dgm¶ go g§~§{YV {dÎmr¶ {ddaUmo§ H$m ^mJ {Z{‘©V H$aZo dmbo CX²Km{Q>V {df¶
(H$) ‘hÎdnyU© boIm Zr{V¶m±:
1. V¡¶mar H$m AmYma :
{dÎmr¶ {ddaU gm‘mÝ¶V¶m ñdrH$m¶© boIm {gÕm§Vmo Ed§ ~r‘m {d{Z¶m‘H$ Ed§ {dH$mg àm{YH$maU ({dÎmr¶ {ddaU Ed§ ~r‘m H§$n{Z¶m| Ho$ boIm narjH$m|
H$s [anmoQ>© V¡¶ma H$aZm) {d{Z‘¶ 2002 Ed§ BgHo$ ~mX Omar {H$¶o J¶o n[anÌm| Ed§ {~Zm A{Y{Z`_ 1938 Omo {H g_`-g_` na g§emo{YV hwAm h¡ Ho$
AZwgma V¡¶ma {H$¶m J¶m h¡&
2. amOñd ‘mÝ¶Vm :
H$) Ohm± ^wJVmZ H$s ‘m’$s Ad{Y g‘má Zht hþB© hmo Ed§ {OZHo$ {nN>bo {H$ñVmo H$m ^wJVmZ {H$¶m J¶m hmo, Eogo Xo¶ {H$íVm| H$mo Am¶ Ho$ én ‘| ‘mÝ¶Vm
Xr J¶r h¡& g§~§Õ ì¶dgm¶ ‘| ^wJVmZ H$s Xo¶ {VWr BH$mB¶m| Ho$ {Z‘m©U H$s {VWr Ho$ ~am~a hmoVr h¡&
I) g§~§ÜX {Z{Y`mo go Am` {Og_o \§ S à~§YZ ewëH , nm°{bgr àemgZ ewëH , _¥Ë`wXa ewëH Am{X em{_b h¡, Omo {H g§~§ÜX {H ò Jò \§ S go {Z`_mo
Am¡a eVm} Ho AZwgma dgwb {H ò OmVo h¡, Am¡a Omo Xo` hmoZo na _mÝ` {H ò OmVo h¡&
J) g^r gaH$mar à{V^y{V¶m|, F$U à{V^y{V¶m| Ho$ g§~§Y ‘| ã¶mO H$s Am¶, {OZ‘| H$O}, {S>~oÝMa VWm ~m°ÝS> nmg W«w à‘mUnÌ Am¡a J¥h g§n{Îm Ho$ à{V
{Jadr H$O} em{‘b h¢, ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU Ho$ {Xem{ZX}em| Ho$ AZwgma amOñd ‘| H«o${S>Q> H$s OmVr h¡&
K) {ÛVr`H ~mOma go gaH$ma ¶m AÝ¶ AZw‘mo{XV à{V^y{V¶m| H$s IarX ¶m {dH«$s Ho$ g§~§Y ‘| IpÊS>V Ad{Y Ho$ {bE ã¶mO H m ^wJVmZ/ à{ßV ZH$X
AmYma na {H ¶m J¶m h¡&
L>) ã¶mO, bm^m§e {H$am¶m Am{X gH$b ‘yë¶ AmYma na {b¶m J¶m h¡ (Am¶H$a H$Q>m¡Vr Ho$ nyd©)&
M) F$Um|, {S>~|Mam| Am¡a ~m°ÊS>m| Ho$ g§~§Y ‘| VwbZ-nÌ H$s VmarI H$mo ¶WmpñW{V Cn{O©V ã¶mO H$m n[aH$bZ F$U XñVmdoO/gyMZm kmnZ ¶m AÝ¶
XañVmdoO ‘| C{„{IV gmYmaU ã¶mO Ho$ n[aH$bZ H$s nÕ{V Ho$ AZwgma {H$¶m OmVm h¢& gaH$mar Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m| Am¡a ~§YH$
F$Um| Ho$ g§~§Y ‘|, VwbZ nÌ H$s VmarI H$mo ¶WmpñW{V Cnm{O©V ã¶mO H$m n[aH$bZ EH$ df© ‘o 360 {XZ Ho$ AmYma na {H$¶m Om h¡&
N>) à{V^y{V¶m|/B{¹${Q>¶m| H$s {~H«$s na bm^ ¶m hm{Z Ho$db {~H«$s df© ‘| amOñd ‘| {b¶m J¶m h¡&
O) CXY¥V B{¹$Q>r na bm^m§e Ohm± 31 ‘mM© H$mo ¶m CgHo$ nhbo (`m§Zr H§$nZr Ûmam Kmo{fV bm^m§e) Ho H maU àmßV H aZo H m A{YH ma g_mßV hmo
J`m h¡, Am¶ Ho$ ê$n ‘| {b¶m OmVm h¢ O~ {H dh ~mX _| àmßV hmoVm h¡& J¡a CXY¥V B{¹$Q>r na bm^m§e Ho db àm{ßV AmYma na Am` Ho én _|
{b`m OmVm h¡&
P) nm°[bgr F U na ã`mO H m [hgm~ {~_m§{H H AmYma na boIo _| {b`m OmVm h¡&
Äm) {H amò H mo Am` Ho én _| V^r _mÝ` {H `m OmVm h¡& O~ {H am`m Xo` hmoVm h¡, N>h ‘{hZm| go Á¶mXm ~H$m¶m {H$am¶m bm¶gÝg ’$sg go gå~pÝYV
{H$am¶m Am¶ H$mo, Am¶ Ho$ én ‘| ‘mÝ¶Vm Zht Xr J¶r h¡& An \§ S {à{_`_ H mo ZH X AmYma na _mÝ` {H `m OmVm h¡&
V) A{Y‘mZr eo¶am|/å¶wÀ¶wAb ’§$S> na bm^m§e H$mo, Ho$db àmá hmoZo na Am¶ Ho$ én ‘| ‘mZm OmVm h¡&
W) {S>~|Mam|/~m°ÊS>m| H$s IarX na AmdoXZ YZam{e na àmá ã¶mO H$mo ZH$Xr AmYma na boIo ‘| {b¶m OmVm h¡&
X) CÚ‘ ny§Or {Zdoe na hþB© Am¶ H$mo ZH$Xr AmYma na boIo ‘| {b¶m OmVm h¡&
Y) Oramo Hy$nZ ~m°ÊS>m| go hþB© Am¶ H$mo ~r‘m§{H$H$ AmYma na boIo ‘| {b¶m OmVm h¡&
Z) J¡a g§§~Õ ì¶dgm¶ Ho$ ‘m‘bo ‘|, VwbZ nÌ H$s VmarI H$mo ¶WmpñWVr EZnrE na ~H$m¶m ã¶mO H$m àmdYmZ CM§V Ho$ én ‘o§ {H$¶m OmVm h¡&
n) F$U‘moMZ/n[an¹$Vm na àr{‘¶‘ H$mo, F$U‘moMZ/n[an¹$Vm hþB© Am¶ Ho$ én ‘| ‘mÝ¶Vm Xr OmVr h¡&
\) àmogoqgJ ewëH H mo àm{ßV Ho AmYma na _mÝ` {H `m {H$¶m OmVm h¡&
~) nwZ©~r_m na CXY¥V àr{‘¶‘, nwZ©~r_m g§{Y H r eVm} Ho AZwgma `m nwZ©~r_mH Vm© Ho gmW g¡ÜXm§VrH ì`dñWm Ho AZwgma _mÝ` {H `m OmVm h¡&
236
236
62 nd Annual Report
SCHEDULE 15 A:
DISCLOSURES FORMING PART OF THE FINANCIAL STATEMENTS OF LIFE AND CAPITAL REDEMPTION
AND ANNUITY CERTAIN BUSINESS
(A) SIGNIFICANT ACCOUNTING POLICIES:
1. Basis of Preparation:
The Financial Statements have been prepared on an accrual basis of accounting in accordance with the generally accepted
accounting principles and in the manner prescribed by the Insurance Regulatory and Development Authority (Preparation of Financial
Statements and Auditor’s Report of Insurance Companies) Regulations 2002 and Circulars issued thereafter and provisions of the
Insurance Act, 1938, as amended from time to time.
2. Revenue Recognition:
a) Premiums are recognized as income when due, for which grace period has not expired and the previous installments have
been paid. In case of Linked Business, the due date for payment is taken as the date when the associated units are created.
b) Income from linked funds which includes fund management charges, policy administration charges, mortality charges, etc. are
recovered from linked fund in accordance with terms and conditions and recognized when due.
c) Interest income in respect of all government securities, debt securities including loans, debentures and bonds, Pass Through
PQ# ' ! !
and Development Authority.
d) In respect of purchase or sale of Government and other approved securities from secondary market, interest for the broken
period is paid / received on cash basis.
e) Interest, Dividend, Rent, etc. are accounted at gross value (before deduction of Income Tax)
f) In respect of loans, debentures and bonds, accrued interest as at the date of the balance sheet is calculated as per method of
calculation of simple interest mentioned in the loan document/information memorandum or such other document. In respect of
Government and other approved securities and mortgage loans, accrued interest as at the date of balance sheet is calculated
based on 360 days a year.
g) &
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h) ;

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receipt.
i) Interest on policy loans is accounted for on accrual basis.
j) Rental income is recognized as income when due and rent/license fees which is in arrear for more than 6 months is not
recognized as income. Upfront premium is accounted on cash basis.
k) ;
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l) <
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m) Income on venture capital investment is accounted on cash basis.
n) Income from zero coupon bonds is accounted on accrual basis.
o) In case of non linked business, outstanding interest on NPAs as at balance sheet date is provided as interest suspense.
p) Premium on redemption/maturity is recognized as income on redemption/maturity
Q Processing fee is accounted on receipt basis.
r) Premium ceded on re-insurance is accounted in accordance with the terms of the re-insurance treaty or in-principle arrangement
with the re-insurer.
237
3. A{YJ«hU bmJV| : A{YJ«hU bmJVmo H$mo IM© Ho$ df© ‘| {XIm¶m J¶m h¡& A{YJ«hU bmJVo dh IM} h¡ Omo ‘w»¶V: Z¶o Am¡a nwZama§^ ~r‘m AZw~ÝYm|
go g§~§{YV h¡ Ed§ CZHo$ gm n[ad{V©V hmoVo ahVo h¡&
4. Xmd| :
H$) Xmdm| H$s bmJVm| ‘o Ohm± H$hr bmJy hmo nm°{bgr bm^ am{e Ed§ Xmdm g‘m¶moOZ bmJV em{‘b h¡&
I) Xmdo H$s _mÝ`Vm H$s VmarI nm°{bgr YmaH Ûmam _¥Ë`w `m gao§Sa H$s gyMZm àmpßV H$s VmarI hmoJr& n{an³dVm, CÎmaOr{dVm bm^, dm{f©H$s Am{X
Ho _m_bmo§ _o§ Xmdmo§ H$mo _mÝ`Vm XoZo H$s {V{W nm°{bgr`mo§ Ho {Z`_ Am¡a eVmoª Ho AZwgma hmoJr&
J) Ý`m{`H A{YH m{a`mo§ Ho g_j {ddm{XV AñdrH¥ V Xmdo à~§YZ, Ho {ddoH Ho AmYma na AmHpñ_H Xm{`Ëd Ho ê n _o§ ì`dhma {H E OmVo h¢&
5. {Zdoe:
A) J¡a - g§~Õ ì¶dgm¶
H$) gaH$mar à{V^y{V¶m| Am¡a F$U‘moÀ¶ A{Y‘mZr eo¶am| g{hV F$U à{V^y{V¶m| H$mo "n[an¹$Vm VH$ aIr JB©" Ho$ én ‘mZm OmVm h¡:
Am¡a ‘yë¶ H$mo n[aemoY H$s eVmo© Ho$ AYrZ Eo{Vhm{gH$ bmJV na {ZåZ{b{IV én ‘| A{^ì¶º$ {H$¶m OmVm h¡&
(i) gaH$mar à{V^y{V¶m| g{hV F$U à{V^y{V¶m§, Ohm§ A§{H$V ‘yë¶ dmñV{dH$ ‘yë¶ go A{YH$ h¡, àr{‘¶‘ YmaU/n[an¹$Vm H$s eof Ad{Y ‘|
grYr bm^ nÕ{V Ho$ AmYma na F$U n[aemo{YV H$s OmEJr& Ohm§ dmñV{dH _wë` AqH V _wë` go A{YH h¡& Vmo NwQ H mo n[an³dVm na _mÝ`
{H `m OmòJm&
(ii) gyMr~Õ F$U‘moÀ¶ A{Y‘mZr eo¶a, Ohm§ A§{H$V ‘yë¶ dmñV{dH$ ‘yë¶ go A{YH$ h¡, àr{‘¶‘ YmaU/n[an¹$Vm H$s {deof Ad{Y ‘| grYr
bmB©Z nÕ{V AmYma na n[aemo{YV H$s OmVr h¡ Am¡a BgH$m ‘yë¶m§H$Z n[aemo{YV bmJV na {H$¶m OmVm h¡, ¶{X A§{V‘ CÕV ‘yë¶ (‘yë¶m§H$Z
H$s VmarI go A{YH$ go A{YH$ 30 {XZ nhbo) n[aemo{YV bmJV go A{YH$ h¡& ¶{X ~mOma ‘yë¶ n[aemo{YV bmJV go H$‘ h¡, Vmo VZyH$aU
Ho$ {bE àmdYmZ {H$¶m OmVm h¡&
AgyMr~Õ F$U‘moÀ¶ A{Y‘mZr eo¶a, Ohm§ A§{H$V ‘yë¶, dmñV{dH$ ‘yë¶ go A{YH$ h¡, àr{‘¶‘ÜH$m n[aemoYZ YmaU/n[a¹$Vm H$s eof
Ad{Y ‘| grYr bmB©Z nÕ{V AmYma na {H$¶m OmVm h¡ Am¡a BgH$m ‘yë¶m§H$Z VZwH$aU Ho$ {bE {H$E JE àmdYmZ go H$‘ n[aemo{YV bmJV
na {H$¶m OmVm h¡&
gyMr~Õ J¡a-F$U‘moÀ¶ A{Y‘mZr eo¶am| H$m ‘yë¶m§H$Z A§{H$V ‘yë¶ na {H$¶m OmVm h¡, ¶{X A§{V‘ CÕV ‘yë¶ (‘yë¶m§H$Z H$s VmarI go
A{YH$ go A{YH$ 30 {XZ nhbo), A§{H$V ‘yë¶ go A{YH$ h¡& ¶{X A§{V‘ CÕV ‘yë¶ H$‘ h¡ Vmo BgH$m ‘yë¶m§H$Z A§{H$V ‘yë¶ ‘| go VZwH$aU
Ho$ {bE {H$¶m J¶m àmdYmZ KQ>mH$a {ZH$mbo JE ‘yë¶ na {H$¶m OmVm h¡&
AgyMr~Õ J¡a-F$U‘moÀ¶ A{Y‘mZr eo¶am| H$m ‘yë¶m§H$Z A§{H$V ‘yë¶ ‘| go VZwH$aU Ho$ {bE {H$¶m J¶m àmdYmZ KQ>mH$a {ZH$mbo JE ‘yë¶
na {H$¶m OmVm h¡&
I) gyMr~Õ B©{¹$Q>r à{V^y{V¶m§ {OZH$m ì¶mnma g{H«$¶ ~mOmam| ‘| {H$¶m OmVm h¡ Am¡a aUZr{VH$ {Zdoem| Ho$ én ‘| dJuH¥$V gyMr~Õ à{V^y{V¶m§ VwbZ
nÌ H$s VmarI H$mo C{MV ‘yë¶ na ‘mnr OmVr h¡ Am¡a B{¹$Q>r à{V^y{V¶m| H$s dhZ YZam{e ‘o hþE {H$gr n[adV©Z H$mo C{MV ‘yë¶ n[adV©Z boIo ‘|
bo Om¶m OmVm h¡&
J) AgyMr~Õ B©{¹$Q>r à{V^y{V¶m§, AgyMr~Õ Am¡a ~hþV H$‘ ì¶mnma {H$E JE aUZr{VH$ {Zdoe Am¡a gyMr~Õ B©[¹$Q>r à{V^y{V¶m§ {OZH$m ì¶mnma g{H«$¶
~mOmam| ‘| {Z¶{‘V én go Zhr {H$¶m OmVm, H$mo Eo{Vhm{gH$ bmJV ‘| go CZ {Zdoem| Ho$ ‘yë¶ ‘| VZwH$aU Ho$ {bE {H$¶m J¶m àmdYmZ KQ>mH$a {ZH$mbo
JE ‘yë¶ na ‘mnm OmVm h¡& go~r Ûmam g‘¶ g‘¶ na {d{ZYm©[aV {H$E JE å¶wÀ¶A§b ’§$S> H$mo {d{Z¶{‘V H$aZo dmbo {Xem{ZX}em| Ho$ AZwgma ~hþV
H$‘ ì¶mnma {H$E JE Ho$ én ‘| dJuH¥$V {H$gr à{V^y{V H$mo g{H«$¶ ê$n go ì¶mnma Z H$s JB© à{V^y{V Ho$ ê$n ‘| ‘mZm OmVm h¡&
K) g^r {Zdoemo H$mo ZH$Xr AmYma na boI| ‘| {b¶m OmVm h¡, {gdm¶ goH|$S´>r ~mOma go B{¹$Q>r eo¶am| Am¡a gaH$mar à{V^y{V¶m| H$s {~H«$s ¶m IarX Ho$
{bE&
L>) {Zdoe g§n{Îm¶mo§ H$m ‘yë¶, nwZ©‘yë¶m§{H$H$ YZam{e¶m| na A{^ì¶º$ {H$¶m OmVm h¡ Am¡a {Zdoe g§n{Îm H$s dhZ YZam{e ‘| hþE n[adV©Z H$mo
nwZ©‘yë¶m§H$Z ^§S>ma ‘| bo Om¶m OmVm h¢&
M) å¶wÀ¶wAb ’§$S> {Zdem| H$m ‘yë¶m§H$Z VwbZ nÌ H$s VmarI H$mo ¶WmpñW{V C{MV ‘yë¶ AmYma na {H$¶m OmVm h¡ Am¡a å¶wÀ¶wAb ’§$S> H$s dhZ
YZam{e ‘| hþE n[adV©Z H$mo C{MV ‘yë¶ n[adV©Z boIo ‘| bo Om¶m OmVm h¡&
N>) ghm¶H$ H§$n{Z¶m|, g§¶wº$ CÚ‘m| Am¡a gh¶moJr H§$n{Z¶m| ‘| {H$E {Zdoem| H$mo bmJV na A{^ì¶º$ {H$¶m OmVm h¡&
O) CÚ‘ {Z{Y ‘| {H$E JE {Zdoe H$m ‘yë¶m§H$Z, {Z{Y Ho$ EZEdr ¶m bmJV BZ‘| go Omo ^r H$‘ hmo, na {H$¶m OmVm h¡&
P) _wÐm ~mOma {dboIm| H mo A§{H V ‘yë¶ na _wë`m§{H V {H `m OmVm h¡&
238
238
62 nd Annual Report
3. Acquisition Costs:
N

4. Claims:
a)
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b) The date of recognition of claim shall be the date of receipt of intimation of death or surrender by the policy holder. The date of

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c) Repudiated claims disputed before judicial authorities are treated as contingent liability based on management prudence.
5. Investments:
A] Non Linked Business
a) Debt Securities including Government Securities and Redeemable Preference Shares are considered as ‘held to
maturity’ and the value is disclosed at historical cost subject to amortization as follows:
(i) Debt Securities including Government Securities, where the book value is more than the face value, the premium
will be amortized on straight line basis over the balance period of holding/maturity. Where face value is greater
than book value, discount is accounted on maturity.
(ii) Listed Redeemable Preference Shares, where the book value is more than the face value, the premium is amortized

\

price (not later than 30 days prior to valuation date), is higher than amortised cost. Provision for diminution is made
if market value is lower than amortised cost.
Unlisted Redeemable Preference Shares where the book value is more than the face value, the premium is
amortized on a straight line basis over the balance period of holding/maturity and are valued at amortised cost less
provision for diminution.
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for diminution.
Unlisted Irredeemable Preference Shares are valued at book value less provision for diminution.
b) & '

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Fair Value Change Account.
c) * # :
traded in active markets are measured at historical cost less provision for diminution in value of such investments. A

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considered as being not actively traded.
d) N

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the secondary market
e) The value of Investment Properties is disclosed at the Revalued amounts and the change in the carrying amount of the
investment property is taken to Revaluation Reserve.
f) <

amount of mutual fund is taken to Fair Value Change Account.
g) Investments in subsidiary companies, joint ventures and associates are disclosed at cost.
h) Investment in venture fund is valued at the NAV of the fund or cost whichever is lower.
i) < <' '
239
(~) g§~Õ ì¶dgm¶ : à{V^y{V¶m| H$m ‘yë¶m§H$Z g‘¶ g‘¶ na Omar {H$¶o JE AmB© Ama S>r E AmB© Ho$ {ZX}em| Ho$ AZwén h¡&
6. ÍF U : F U H mo j{V nw{V© àmdYmZm| Ho AYrZ Eo{Vhm{gH bmJV na _mnm OmVm h¡&
7. AMb n[agån{V¶m±:
H$) AMb n[agånpËV¶mo§ H$m ‘yë¶ CgHo$ bmJV ‘yë¶m| H$amYmZ g{hV ‘| go ‘yë¶èhmg H$mo H$‘ H$a Xem©¶m J¶m h¡&
I) {Z‘m©UmYrZ Ed§ H$ãOm H$s JB© g§n{Îm¶m| na AXm H$s JB© am{e {OZH$m àboIZ b§{~V h¡ CÝh| "^dZ g§n{Îm Ed§ ^y{‘' Ho$ A§VJ©V {XIm¶m J¶m h¡&
8. ‘yë¶èhmg/n{aemoYZ : AMb g§npËV¶mo§ na ‘yë¶èhmg/n{aemoYZ à~§YZ Ûmam ¶Wm AZw‘m{ZV g§npËVHo Cn¶moJr OrdZ Ho AmYma na, grYr aoIm
nÜX{V Hm Cn`moJ HaHo àXmZ {H`m OmVm h¡& df© H¡ Xm¡amZ IarXr/~oMr JB© g§npËV¶mo§ Ho {bò _m{gH g_W©H AZwnmV Ho AmYma na ‘yë¶èhmg à^m[aV
{H$¶m OmVm h¡& ì`{³VJV én go ` 5000 VH _wë` Hr bmJV Hr g§n{ËV Aën _wë` hmoZo Ho HmaU IarX Ho df© _| nwar Vah go amOñd _| à^m{aV Hr
OmVr h¡& Am°naoqQJ brO na {Hamò Hmo brO Hr Ad{Y _| IM© {H`m OmVm h¡& à~§YZ Ûmam AZw‘m{ZV {Hò Jò Cn`moJr OrdZ Ho _wë`m§HZ Ho AmYma
na _wë`èhmg Hr Xa| boIm Hr {QßnUr`m| _| Xr JB© h¡&
9. n{ag§{Îm`m| H r hm{Z : àËòH ~¡b|g erQ {V{W na n{ag§{Îm`m Ho dhZ _wë`m| H r g_rjm H r OmVr h¡& `{X Bg Vah H r hm{Z H m H moB© g§H| V _m¡OwX h¡,
Vmo CZ n{ag§{Îm`m Ho dgwbr `mo½` _wë` H m AZw_mZ bJm`m OmVm h¡ Am¡a Ohm§ ^r Amdí`H hmo, hm{Z H r nhMmZ H r OmVr h¡&
10. OrdZ nm{c{g¶m| H$s Xo¶Vm : {ZJ‘ H$o OrdZ ~r‘m ì¶dgm¶ Ho$ dm{f©H$ Om§M Ho$ AZwgaU ‘| nm{cgrYmaH$m| H$s Xo¶VmE§ {ZJ‘ Ho$ {Z¶wº$ {~‘m§H$H$
ìXmam {ZYm©[aV H$s OmVr h¡&
11. {dXoer ‘wÐm g§ì¶dhma :
(H$) g§~§{YV Xoem| Ho$ gm§{d{YH$ {d{Z¶‘Zm| Ho$ AZwgma {dXoer ì¶dgm¶ go g§~§{YV OrdZ {Z{Y H$m {Zdoe {H$¶m J¶m h¡&
(I) df© Ho$ A§V ‘| {dXoem| H$s emImAm| H$m {dÎmr¶ {ddaU ñWmZr¶ {dYr¶m| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡& VWm g‘w{MV Xmam| na n[adV©Z {H$¶m J¶m
h¡, {gdm¶ gwdm ([’$Or) emIm {OgHo$ {cE à{V df© 31 {Xg§~a Ho$ {dÎmr¶ {ddaU go g‘w{MV Xam| na n[adV©Z {H$¶m OmVm h¡ ³¶m|{H$ emIm H$m
coIm H¡coÊS>a df© Ho$ AmYma na V¡¶ma {H$¶m OmVm h¡&
(J) ògo énm§VaUmo na hmoZo dmbo {d{Z_` bm^ `m hm{Z H mo Cg Ad{Y _| _mÝ`Vm Xr OmVr h¡ {Og Ad{Y _| do amOñd ImVo _| AmVo h¡& {\Or _m°areg
Am¡a `wHo _| {H ò Jò Am°naoeZ J¡a g_mH {bV àH¥{V Ho h¡, amOñd ImVo H r _Xm| H mo Am¡gV {d{Z_` Xa na Ed§ VwbZnÍm H r _Xm| H mo g_mnZ Xa na
énm§V{aV {H `m OmVm h¡& nwZ©_wë`m§H Z na {d{Z_` Ho A§Va H mo eoà YmaH m| `m nm°{bgr YmaH m| _m_bo Ho AZwgma Ho ImVo Ho VhV {dXoer _wÐm A{ñWaVm
{aOd© _| O_m {H `m OmVm h¡&
(K) ^maV go ôOo JE àofUm| ìXmam ^maV Ho$ ~mha {H$E {Zdoem|H$s JUZm ‘yë¶ én¶ H$s cmJV ¶m erK« A{^{c{IV énE H$s cmJV na {H$¶m OmVm
h¡, Ohm± ‘yë¶ cmJV CncãY Z hmo&
12. AZwà¶moÁ¶ n[agån{Îm¶m| Ho$ {cE n[agån{Îm¶m| H$m dJuH$aU Ed§ àmdYmZ :
H$) F$U, {S>~|Ma Ed§ ~m§S>, VWm ^dZ g§n[Îm H$mo {Jadr aIH$a {cE F$U H$s n[agån{Îm¶m| H$mo dgycr Ho$ [aH$mS>© na AmYm[aV {ZåZ Vah go dJuH¥$V
{H$¶m J¶m h¡&
1. ‘mZH$
2. Cn‘mZH$
3. g§{X½Y Ed§
4. ZwH$gmZ n[agån{Îm¶m|
~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU ìXmam Omar {Xem{ZX}em| Ho$ AZwgma&
I) ^ma{V¶ ~r‘m {d{Z¶m‘H$ Am¡a {dH$mg àm{YH$aU Ûmam ~r‘m g§ñWmZm| H$mo Omar {Xem{ZX}em| Ho$ AZwgma AZwà¶moÁ¶ F$Um|, {S~o§Mamo Ed§ ~m§S>m| Ed§
^dZ g§n[Îm H$mo {Jadr aIH$a F$U H$m àmdYmZ {H$¶m J¶m h¡&
240
240
62 nd Annual Report
B] Linked Business: Valuation of Securities is in accordance with IRDA directives issued from time to time.
6. Loans:
Loans are measured at historical cost subject to impairment provisions.
7. Fixed Assets:
a) @
N P
N Q
b) Property under construction and amounts paid for the properties taken in possession, pending documentation, are accounted
under ‘House Property and Land’.
8. Depreciation/Amortisation:
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the management. Depreciation is charged on monthly pro-rata basis for assets purchased/sold during the year. Assets individually
costing upto Rs. 5,000, being low value assets are fully charged to revenue in the year of purchase. Operating lease rentals are
N I +

given under notes to accounts
9. Impairment of assets:
The carrying values of assets at each Balance Sheet date are reviewed for impairment. If any indication of such impairment exists,
the recoverable amounts of those assets are estimated and impairment is recognised, wherever necessary.
10. Liability for Life Policies:
The liabilities towards Policyholders are determined by the Corporation’s Appointed Actuary pursuant to his annual investigation of
the Corporation’s life insurance business.
11. Foreign Currency Transactions:
a) Life Fund relating to foreign business has been invested according to the statutory regulations of the respective countries.
b) Financial Statements of branches in foreign countries as at the year end are prepared in accordance with local laws and are
translated at appropriate rates of exchange except for Suva (Fiji) branch, for which the conversion is done at appropriate rates,

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basis.
c) "N !
Account.
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d) Investments made outside India by remittances sent from India are accounted for at original rupee cost or at the earliest
recorded rupee cost, where original cost is not available.
12. "
{; :
a) & # ; + < & (
record of recovery as:
i) Standard
ii) Sub-standard
iii) Doubtful and
iv) Loss Assets
As per the guidelines issued to Insurance Companies by Insurance Regulatory and Development Authority of India.
b)
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the guidelines issued by Insurance Regulatory and Development Authority of India.
241
13. godm{Zd¥{Îm bm^:

H$) {ZJ_ Ûmam Omar g_yh J«oÀ`wQr B§í`moao§g nm°{bgr Ho _mÜ`_ go (~r_m§{H V _yë`m§H Z Ho AmYma na) H _©Mm{a`mo§ H mo J«oÀ`wQr àXmZ H r OmVr h¡ Am¡a
Bg àH ma, CgHo g§~§Y _o§ Xm{`Ëd, OrdZ {Z{Y H m {hñgm ~ZVr h¡&
I) CZ H _©Mm{a`mo§ Ho g§~§Y _o§ {OÝhmo§Zo ^{dî` {Z{Y `moOZm H m {dH ën MwZm h¡, OrdZ ~r_m {ZJ_ A{Y{Z`_ 1956 Ho VhV a{MV ^{dî` {Z{Y
Q—ñQ _o§ AZwHy b `moJXmZ {X`m OmVm h¡&
J) n{a^m{fV `moJXmZ no§eZ `moOZm Ho _m_bo _o§, `moJXmZ V~ {H `m OmVm h¡ O~ g§~§{YV godm`| àXmZ H r OmVr h¡, Cg Ad{Y Ho Xm¡amZ Xo` E§d
amOñd ImVo _o§ à^m{aV {H ò OmVo h¡&
^{dî` {Z{Y `moOZm Ho ~Xbo no§eZ `moOZm H m {dHën boZo dmbo H _©Mm{a`mo§ Ho {bE {ZYm©{aV bm^ `moOZm Ho _m_bo _o§, ^maV gaH ma Ûmam
A{Ygy{MV no§eZ {Z`_mo§ Ho AZwgma {ZJ_ H m A§eXmZ no§eZ Q—ñQ H mo {H `m JUZm OmVm h¡& Am¡a {nNbr godm Ho `moJXmZ g{hV `h `moJXmZ
~r_m§{H V JUZm Ho AmYma na {H `m OmVm h¡&
K) {ZJ_ Ûmam Omar JŒwn brd EZHo e_o§Q B§í`moao§g nm°{bgr Ho _mÜ`_ go godm{Zd¥{Îm na brd EZHo e_o§Q bm^ (~r_m§{H V _yë`m§H ZHo AmYma na)
àXmZ {H E OmVo h¢ Am¡a Bg àH ma, BgHo g§~§Y _o§ Xm{`Ëd, OrdZ {Z{Y H m {hñgm ~ZVm h¡&
14. àmdYmZ, AmH pñ_H Xm{`Ëd Am¡a AmH pñ_H g§n{Îm&
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OmVr h¡ Vmo AmH pñ_H g§n{Îm H mo {dÎmr` {ddaUmo§ _o§ _mÝ`Vm `m Iwbmgm Zht {H `m OmVm h¡&
15. àmpßV`m§ Am¡a ^wJVmZ ImVo:
àmpßV`m§ Am¡a ^wJVmZ ImVo _mñQa n{anÌ Ho n¡am 2.2 Ho AZwgma àË`j {d{Y H m Cn`moJ H aHo V¡`ma Am¡a {anmoQ© {H E OmVo h¢&
16 H amYmZ :
(H$) àË`j H a: Am`H a Ho {bò àmdYZ nhbr AZwgwMr _| em{_b {Z`_m| Am¡a Am`H a A{Y{Z`_, 1961 Ho AÝ` àmg§{JH àmdYZm| g{hV n{RV
Am`H a A{Y{Z`_ 1961 H r Ymam 44 _| OrdZ ~r_m ì`mnma Ho {bE bmJw àmdYmZm| Ho AZwgma {H `m J`m h¡&
(I) AàË`j H a: {ZJ_ BZnwQ g|dmAm| na dñVw Am¡a godm H a H r H«o {SQ H m Xmdm H aVm h¡, Omo AmCQnwQ g|dmAm| na Xo` dñVw Am¡a godm H a Ho {déÜX
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Am¡a AÝ` n{ag§{Îm`m| Ho VhV AmJo ~μTm`m OmVm h¡, Ohm§ Cn`moJ H r C{MV {ZíMVVm hmoVr h¡&
(I) boIm| H$s {Q>ßn{U¶m±
1. AmH$pñ‘H$ Xo¶VmE± Mmby df© {nN>bo df©
H$. Am§{eH$ én go A{^XÎm {Zdoe ` 20 bmI ` 20 bmI
I. ~H$m¶m ~r‘m§H$Z à{V~ÕmE§ ` 588 bmI ` 1388 bmI
J. {ZJ‘ Ho$ {déÕ Xmd| Omo F$U Ho$ én ‘| A{âdrH¥$V Zht {H$E JE hm| Hw$N Zhr§ Hw$N Zhr§
K. {ZJ‘ Ûmam ¶m {ZJ‘ H$s Amoa go Xr JB© Jma§Q>r Hw$N Zhr§ Hw$N Zhr§
L>. {ddm{XV gm§{d{YH$ ‘m§J/Xo¶VmE§ {OgH$m Cn~§Y Z {H$¶m J¶m hmo ` 1908810 bmI `2305703 bmI
M. nwZdu‘m A{Zdm¶©bm {OgH$m Cn~§Y Z {H$¶m J¶m hmo Hw$N Zhr§ Hw$N Zhr§
N>. AÝ¶
~r_mo§ go g§~§{YV Xmdo§ Omo§ _wH$X_mo§ Ho$ A{YZ h¡ ` 37761 bmI ` 25816 bmI
_wH$X_m{YZ Xmdo§ Omo ~r_mYmaH$mo§ Ho$ Zhr h¡§ ` 8498 bmI ` 3293 bmI
d{aîR ZmJ{aH$ H$ë`mU {Z{Y H$r ñWmZm§V{aV* eyÝ` ` 3524 bmI
242
242
62 nd Annual Report
\ ; ~

a) Gratuity to employees is provided for (on the basis of Actuarial Valuation) through a Group Gratuity Insurance Policy issued
by the Corporation and as such, the liability in respect thereof, forms part of the Life Fund.
b) In respect of employees who have opted for Provident Fund Scheme, matching contribution is made to the Provident Fund
Trust formed under Life Insurance Corporation Act 1956.
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during the period when related services are rendered.

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the Government of India and the said contribution including past service contribution is made on the basis of Actuarial
calculation.
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14. Provisions, Contingent Liabilities and Contingent Assets.

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15. Receipts and Payments Account:
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Circular.
16. Taxation:
a) Direct Tax: Provision for income tax is made in accordance with the provisions of Section 44 of the Income Tax Act, 1961
read with Rules contained in the First Schedule and other relevant provisions of the Income Tax Act, 1961 as applicable for
life insurance business.
b) Indirect Tax:
, N # I
services tax on output services.
As a matter of prudence, unutilized credits towards goods and services tax on input services are carried forward under
‘Schedule 12 -Advances and Other Assets’ in the Balance Sheet, wherever there is reasonable certainty of utilization.
(B) NOTES TO ACCOUNTS

1. Contingent Liabilities:
a. Partly paid-up investments ` 20 Lakhs ` 20 Lakhs
b. Claims against the Corporation not acknowledged as Debts ` 588 Lakhs `1388 Lakhs
c. Underwriting commitments outstanding Nil Nil
d. Guarantees given by or on behalf of the Corporation Nil Nil
e. Statutory demands/liabilities in dispute, not provided for ` 1908810 Lakhs `2305703 Lakhs
f. Reinsurance obligations to the extent not provided for Nil Nil
g. Others
Policy related claims under litigation `37761 Lakhs ` 25816 Lakhs
Claims under litigation other than policy holders `8498 Lakhs ` 3293 Lakhs
Transfer to Senior Citizen Welfare Fund* Nil ` 3524 Lakhs
243
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F$U Ed§ {Zdoe 1121389.00 380357.00
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244
244
62 nd Annual Report
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Loans and Investment 1121389.00 380357.00
Fixed Assets 6042.60 5863.96
3. Actuarial Assumptions for valuation of Policy liabilities:

The Corporation’s Life Insurance Business consists of linked and non-linked business under Individual and Group contracts.
The non-linked business consists of Participating Assurance/Annuity/Pension policies and Non-participating Assurance/ Annuity/
Individual Health policies with majority of Group policies written under non-participating assurances. The linked business consists
of Non-participating Assurance/Pension/Individual Health policies with a very small proportion of linked assurance business written
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The Linked Non-Par Business consists of :
O 4 funds namely, Bond Fund, Income Fund, Balanced Fund and Growth Fund for each of Future Plus Plan and Gratuity Plus
Plan (Group Business)
O 4 funds namely, Bond Fund, Secured Fund, Balanced Fund and Growth Fund for each of the plans Jeevan Plus, Money Plus,
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guaranteed surrender value or special surrender value whichever is higher. It is also ensured that negative reserve is set to zero
while arriving at the reserve under a policy. The unit liability in respect of Linked business is taken as the total Net Asset Value of the

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wherever applicable. The liability for Group Cash Accumulation schemes has been taken as the fund value of all such schemes as
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group term assurance premium.
The interest rates used for valuation vary according to the type of plan and it ranges from 5.50% to 7.60% p.a. depending on the
nature and term of the underlying assets and liabilities. The mortality rates used are based on the published Indian Assured Lives
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ì¶dgm¶ H$s {d{^Þ bmBZmo§ Ho ~rM {d{Y gm‘mÝ¶ ì¶¶ H$m Am~Z§Q>Z {ZJ_ H r AZw_mo{XV ì¶¶ {Z{V na AmYm[aV h¡&
5. nm°{bgrYmaH$m| Ho$ ImVo Ed§ eo¶aYmaH$m| Ho$ ImVo Ho$ ~rM {Zdoem| Ho$ Am~§Q>Z H$m AmYma Ed§ Cg na Am¶:
eo¶aYmaH$m| Ho$ VWm nm°{bgrYmaH$m| Ho$ {Zdoem|na àmá Am¶ g§~§{YV {Z{Y ‘| gpå‘{bV {H$¶m J¶m h¡&
àMmbZ go CnbãY {Zdoe ¶mo½¶ A{Yeof VWm nm°{bgrYmaH$m| Ho$ {Zdoem| go àmá Am¶ H$mo nm°{bgrYmaH$m| H$s {Z{Y ‘| gpå‘{bV {H$¶m J¶m h¡& df© Ho$
Xm¡amZ eo¶aYmaH$m| H$s {Z{Y H$s d¥{Õ H$mo eo¶aYmamoH§$ H$s {Z{Y ‘| em{‘b {H$¶m J¶m h¡&
6. n[aemoYZ Ho$ AmYma :
H$) F$U à{V^y{V¶m±:
BH$mB© g§~Õ ì¶dgm¶, Ohm± g^r F$U à{V^y{V¶m± ^m ~r dr àm. Ho$ {Xem {ZX}em| Ho$ AZwgma ~mOma ‘yë¶ na Xem©E JE h¡, Ho$ Abmdm AÝ¶, g^r
àH$ma Ho$ ì¶dgm¶ go gå~pÝYV gaH$mar à{V^y{V¶m| g{hV g^r F$U à{V^y{V¶m| Ho$ ‘m‘bm| ‘|, dhr ‘yë¶ A§{H$V ‘yë¶ go A{YH$ hmoZo na Cgo
Ym[aVm / n[an¹$Vm H$s eof Ad{Y Ho$ {bE, A{Y‘yë¶ g‘m§Va AmYma na n[aemo{YV {H$¶m J¶m h¡&
246
246
62 nd Annual Report
The expense assumption for valuation was arrived at either as a percentage of premiums or as per policy or a combination of
these. The renewal per policy expenses used for valuing individual business vary according to the type of plan and status of the

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related expenses in respect of individual business includes service tax on premium wherever applicable and ranges from 0.03% to
18.03% depending on the type of plan.
While valuing Participating policies, the allowance for taxation and allocation of surplus to shareholders has been made by appropriately
rating up future reversionary bonuses reserved for the balance duration of the contract. Additionally, reserves have been provided

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death strain due to AIDS/HIV, extra risk in respect of sub-standard lives, incurred but not reported deaths (IBNR), catastrophe and
improvement in mortality. The assumptions used for arriving at the reserves for above mentioned items were determined based on
a prudent assessment of the future experiences for the outstanding durations of the policies as at the date of valuation allowing for
margin for any adverse deviation. Further, in case of linked plans, where there is a guarantee at maturity, cost of such guarantee
- +:? , #

been provided. For plans where there are options which can be exercised by the policyholders, the most onerous option has been
taken for valuing these options.
As stipulated by IRDAI, Fund for Future Appropriations (FFA) has been provided in case of individual linked policies.
Surplus emerging as a result of valuation of life insurance business has been allocated in accordance with the provisions of Section
/3
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$
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90g
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may approve, shall be allocated to or reserved for the policyholders. Government of India, vide letter dated 13th November, 2013,
have allowed LIC to continue with the existing surplus distribution pattern of 95:5 by allocating 95% to policyholders while retaining
N 90[20
.
4 Operating Expenses: Basis of allocation of expenditure to various segments of business (for Valuation as at 31.03.2019)
B "N
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General Annuities, Pensions, Health, Group Business, Unit Linked Business, CRAC and VPBY business on the basis of:
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actual basis, and
B "N

the following basis or a combination of these:
i. Number of policies
ii. Total premium income
iii. Sum assured
Allocation of common expenses among various lines of business is based on the approved expense policy of the Corporation.
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Income accruing on investments held in Policyholders’ and Shareholders’ funds have been taken to the respective funds.
The investible surplus, arising out of operations and income on Policyholders’ investments, was invested in Policyholders’ account.
The accretions to shareholders’ fund during the year stands invested in shareholders’ fund.
6. Basis of Amortisation of:
(a) Debt securities:
In respect of all debt securities including Government Securities, where the book value is more than the face value, the
premium has been amortised on straight line basis over the balance period of holding/maturity in all classes of business except
Unit Linked Business where all the debt securities have been shown at market value in terms of the IRDA guidelines.
247
I) {d‘moÀ¶ A{Y‘mZr eo¶a:

g^r dJm] H$s ì¶dgm¶ ‘| Ohm± dmñV{dH ‘yë¶ A§{H$V ‘yë¶ go A{YH$ h¡, A{Y‘yë¶, Ym[aVm n[an¹$Vm H$s eof Ad{Y Ho$ {bE g‘m§Va AmYma
na n[aemo{YV {H$¶m J¶m h¡&
7. {Zdoe g§n{Îm Ho$ nwZ‘w©ë¶m§H$Z H$m AmYma :
{Zdoe g§n{Îm Ho$ ‘yë¶ H$m ha VrZ df© ‘| EH$ ~ma nwZ‘w©ë¶m§H$Z {H$¶m OmVm h¡& gån{Îm¶m| ({Zdoe Ed§ ñd¶§)H$m nwZ‘w©ë¶m§H$Z {dÎmr¶ df© 2016-17 Ho$
Xm¡amZ {H$¶m J¶m Wm&
gån{V¶m| H$m nwZ‘w©ë¶m§H$Z {ZåZ AmYma na {H$¶m J¶m h¡
Ohm± na gån{Îm H$m ‘w»¶ {hñgm AWm©V {Z{‘©V ^mJ H$m 75% go A{YH$ ñd¶§ ¶m {H$am¶o hoVy Cn¶moJ {H$¶m OmVm h¡ Vmo Eogr gån{Îm H$m ‘yë¶m§H$Z Cgo
EH$ BH$mB© ‘mZH$a CgHo$ ‘w»¶ Cn¶moJ Ho$ AmYma na {H$¶m Om¶oJm& BZ ‘m‘bmo ‘| ‘wë¶m§H$Z Ho$ {bE ¶m Vmo {H$am¶m "ny§OrH$aU {d{Y' AWdm "^y{‘ Ed§
^dZ' {d{Y H$m Cn¶moJ {H$¶m OmVm h¡& ‘yë¶m§H$Z Ho$ ~mX gån{Îm Ho$ g§ånyU© ‘yë¶ H$mo {Zdo{eV gån{Îm Ed§ñd¶§ Ho$ Cn¶moJdmbr gån{Îm ‘| AmZynm{VH$
ê$ngo {Z{‘©V joÌ Ho$ AmYma na {d^m{OV {H$¶m OmVm h¡&
8. Ad{Y-nyd© ‘X :
{dÎmrV¶ df© 2018-2019 H$s Am¶ ‘| {ZåZ{b{IV Ad{Y-nyd© ‘Xm| H$m g‘mdoe h¡:
(` bmI ‘|)
{Zdoe Ho$ gån{Îm go Am¶ 0.00 261.60
AÝ` nmd{V 0.00 38.46
Hy$b 0.00 300.06
{dÎmr¶ df© 2018-19 Ho$ ì¶¶m| ‘| {ZåZ{b{IV Ad{Y-nyd© ‘Xm| H$m g‘mdoe h¡:
(` bmI ‘|)
XþéñVr Ed§ AZwajU 51.53 47.79
{dÚwV à^ma 3.60 17.18
{H$am¶m, ñWmZr¶ Xa Ed§ AÝ¶ H$a 17.54 142.96
_o{SH b \ rg 00.00 13.43
^ËVo Ed§ H$_reZ 38.95 5.83
’w$Q>H$a ì¶¶ 0.25 13.36
‘yë¶ hmg 59.00 10.71
gåàofU ì¶¶ 1.07 4.50
godm H$a 48.07 0.71
\ Zr©Ma Ed§ {\ {Q§½g 4.08 0.00
{à{Q§J IM© 0.13 0.00
Mm` Ed§ Hm°\ r IM© 0.14 0.00
g_mMma nÌ Hm A{^XmZ 0.14 0.00
{dH mg A{YH mar`m| H r à{V`mo{JVm nwañH ma 42.27 0.00
~r_m {à{_`_ 0.08 0.00
H _reZ 2128.72 0.00
E\EgB©g Hmo ½ŒmoÀ`wQr H m ^wJVmZ 0.34 0.00
_moQa H ma IM© 4.86 0.00
Am§V{aV nwZ©dr_m 0.00 19.26
248
248
62 nd Annual Report

;"
Where the book value is more than the face value, the premium has been amortised on the straight line basis over the balance
period of holding/ maturity in all classes of business.
7. Basis of revaluation of investment property
Investment property is revalued once in every three years. The revaluation of properties (both Investment and own) has been carried
/02H42K

[
In case where the major portion i.e. more than 75% of the built up area is either for self use or for letting out, the valuation has to be
done for the whole property in one method, treating the whole property as one, depending upon the majority type of occupancy. The
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8. Prior Period Items:
The income for the F.Y. 2018-2019 includes following Prior period items mentioned below:
(` in Lakhs)
Rent from tenants/licensees 0.00 261.60
Other receipt 0.00 38.46
Total 0.00 300.06
The expenses for the F.Y. 2018-2019 includes following Prior period items mentioned below:
(` in Lakhs)
! :< 51.53 47.79
" 3.60 17.18
! #! :N 17.54 142.96
< - 00.00 13.43
: 38.95 5.83
< "N 0.25 13.36
Depreciation 59.00 10.71
Communication expenses 1.07 4.50
Service Tax 48.07 0.71
- :- 4.08 0.00
:, 0.13 0.00
:I "N 0.14 0.00
Subscription to newspaper 0.14 0.00
; J 42.27 0.00
Insurance Premium 0.08 0.00
Commission 2128.72 0.00

$-," 0.34 0.00
<"N 4.86 0.00
Reinsurance ceded 0.00 19.26
249
nam_e© ewëH 0.00 0.00

{ZYr à~§YZ ewëH 0.00 56.12
g§~§ÜXm| Ho {bE nm{al{_H 0.00 1.24
AÝ` H$_©Mmar gw{dÜmmE§ 0.00 0.83
B© Sr E_ Eg ^wJVmZ 0.00 6.31
A{YH$mar`mo§ Ho$ {bE n«moËgmhZ 0.00 0.34
AZ{Y`m{MV am{e na ã`mO Ho$ {bE n«mdYmZ 0.00 514.11
Hw$b 2400.77 854.68
My§{H$ Cº$ C{ëb{IV Ad{Y-nyd© _Xmo§ H$m n«^md _hËdnyU© Zhr§ h¡, AV: CÝho§ amOñd boIm _o§ n¥WH$ êŸn go n«X{e©V Zhr§ {H$`m J`m h¡§&
9. Xmdo§ :
VwbZ-nÌ H$s VmarI H$mo 6 ‘{hZo go A{YH$ Ho$ g‘m¶mo{OV Ed§ AXm Z {H$E JE Xmdo (à~§YZ Ûmam ¶Wm à‘m{UV)
g§»¶m am{e (` bmI ‘|)
Mmby df© {nN>bo df© Mmby df© {nN>bo df©
‘¥Ë¶y Xmd| 4026 17638 1902.84 3641.60
n[an¹$Vm Xmd| 1890694 1809075 270249.73 209875.11
10. A) ~H$m¶m Ed§ nm°{ggrYmaH$m| Ûmam Xmdm Z H$s JB© am{e¶m| Ho$ Am¶w-dma {díbofU H$m {ddaU
(` bmI ‘|)
{ddaU Hw$b am{e Am¶w-dma {díbofU
0-6 ‘{hZo 7-12 ‘{hZo 13-18 19-24 25-30 31-36 36-120
‘{hZo ‘{hZo ‘{hZo ‘{hZo ‘{hZo
ZnQ>mE JE, na§Vw ~r{‘V ì¶{º$/ 44741.23 5340.90 14162.57 4408.43 3304.86 1096.05 469.85 15958.57
nm°{bgrYmaH$m| Ûmam {H$E JE (32020.33) (13266.34) (4453.48) (5051.70) (1965.06) (1347.76) (1018.05) (4917.94)
‘wH$X‘o Ho$ H$maU H$mo N>moS>H$a AÝ¶
H$maUm| d e{nm° { bgrYmaH$m| / ~r{‘V
ì¶º$r H$mo ^wJVmZ Z {H$E JE Xmdo
~r{‘V ì¶{º$ /nm°{bgrYmaH$m| H$mo 1193102.26 125935.82 160150.38 109404.10 102740.04 84679.10 76252.87 533939.95
n[an¹$Vm AWdm AÝ¶ én go Xo¶ (873000.31) (546344.60) (71069.19) (86154.54) (47934.98) (46997.03) (25723.29) (48776.68)
am{e
àr{‘¶‘/H$a AWdm {H$gr AÝ¶ 106912.31 6374.22 21850.01 16877.84 10590.17 7130.23 7429.26 36660.58
à^mamo§ H$s A{V[aº$ dgybr, {OgH$m (103711.12) (25368.43) (15913.13) (14569.34) (9327.43) (9429.05) (14099.05) (15004.69)
à{VXm¶, nm°{bgrYmaH$m| H$mo, nm°{bgr
Ho$ {Z~§YZ Ed§ eVm} Ho$ AZwgma
AWdm à{YH$mar Ho$ {ZX}em| Ho$
AZwgma {H$¶m OmZm h¡, na§Vw A^r
VH$ Zht {H$¶m J¶m h¡&
Omar {H$E JE na§Vw
39580.60 5019.27 3548.62 2206.97 4335.71 3277.66 4051.23 17141.14
nm°{bgrYmaH$/~r{‘V ì¶{º$ Ûmam
(42169.81) (10637.89) (4628.58) (4638.34) (2944.71) (2907.20) (3150.48) (13262.61)
^wZmE Zht JE MoH$
250
250
62 nd Annual Report
Consultancy Fees 0.00 0.00

-< 0.00 56.12
Remuneration to Associates 0.00 1.24
B ,I 0.00 0.83
";<, 0.00 6.31
, J 0.00 0.34
Provision for Interest on Unclaimed Amount 0.00 514.11
Total 2400.77 854.68
The above mentioned prior period items have not been disclosed separately in the Revenue account as the impact of the same is
not material.
9. Claims

H [P
< Q
Number Amount (` `

Current Year Previous Year Current Year Previous Year
Claims by death 4026 17638 1902.84 3641.60
Claims by maturity 1890694 1809075 270249.73 209875.11
10. a) ; ^ {^ "> ";

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(` in Lakhs)
Total
Particulars AGE WISE ANALYSIS
Amount
{ { { { {
{; {;
; ; ; ; ;
Claims Settled but not paid to
the policyholders/ insured due
to any reasons except under 44741.23 5340.90 14162.57 4408.43 3304.86 1096.05 469.85 15958.57
litigation from the insured/ (32020.33) (13266.34) (4453.48) (5051.70) (1965.06) (1347.76) (1018.05) (4917.94)
policyholders
Sum due to the insured/
1193102.26 125935.82 160150.38 109404.10 102740.04 84679.10 76252.87 533939.95
policyholders on maturity or (873000.31) (546344.60) (71069.19) (86154.54) (47934.98) (46997.03) (25723.29) (48776.68)
otherwise
Any excess collection of the
premium/ tax or any other
charges which is refundable
to the policyholders either
as terms of conditions of the 106912.31 6374.22 21850.01 16877.84 10590.17 7130.23 7429.26 36660.58
policy or as per law or as per (103711.12) (25368.43) (15913.13) (14569.34) (9327.43) (9429.05) (14099.05) (15004.69)
law or as may be directed by
the Authority but not refunded
so far

39580.60 5019.27 3548.62 2206.97 4335.71 3277.66 4051.23 17141.14
encashed by the policyholder/ (42169.81) (10637.89) (4628.58) (4638.34) (2944.71) (2907.20) (3150.48) (13262.61)
insured
251
A) Xmdm Z {H$E JE am{e Am¡a {Zdoe Am` H$m {ddaU \$m_©-g r

(` bmI ‘|)
{ddaU Mmby {dÎmr` df© {nN²bm {dÎmr` df©
àma§{~H eof 1050901.57 795187.02
Omo‹So§: AZ{Y`m{MV {Z{Y _o§ ñWmZm§V{aV am{e 702963.71 424028.00
Omo‹So§: A{Zdm`© am{e go Omar MoH , bo{H Z nm°{bgrYmaH mo§ Ûmam ZH X Zht {H `m J`m (Ho db V^r 13516.65 1141.24
em{_b {H `m OmZm Mm{hE O~ MoH ~oH ma hmo MwH r hmo)
Omo‹So§: AZ{Y`m{MV {Z{Y na {Zdoe Am` 74550.91 73297.85
KQmò: df© Ho Xm¡amZ ^wJVmZ {H E JE Xmdmo§ H r am{e 423810.62 239229.02
KQmò: EggrSãë`yE\ _o§ ñWmZm§V{aV am{e (nhbo ñWmZm§V{aV am{e Ho g§~§Y _o§ ^wJVmZ {H E JE Xmdmo§ 33785.82 3523.52
H m ewÕ)
AZ{Y`m{MV am{e \§ S H r g_mnZ eof am{e 1384336.40 1050901.57
11. ^maV ‘| Am¡a ^maV Ho$ ~mha {ZJ‘ H$s ^m[aV n[ag§n{Îm¶m§ (à~§Y Ûmam à‘m{UV)
ñWmZr¶ H$mZyZm| Ho$ A§VJ©V O‘m {H$E OmZo Ho$ {bE Ano{jV gr‘m VH$ ¶m AÝ¶Wm ^m[aV n[ag§n{Îm¶m: ` 1499.56 H amoS ({nNbo df© ` 1203.09
H amoS)
12. {ZXoe Ho g§~§Y _| AZw~§Ymo§ H$m ‘yë¶:
Ag§~Õ ì¶dgm¶ Ho$ g§~§Y ‘|:
(H$) Iar{X¶m± {OZ‘| n[aXmZ b§{~V hmo ` 24590 bmI ({nN>bo df© ` 55846 bmI)
(I) {~«{H«$¶m± {OZ ‘| AXmMm[a¶m± A{VXo¶ hmo ` 43953 bmI ({nN>bo df© ` 40850 bmI)
no§eZ ì`dgm`, hoëW ì`dgm` VWm n±§y._mo. ({Z.dm. g{hV)ì`dgm` Ho$ g§~§Y _o§ {Zdoe go g§~§{YV H$moB© ^r g§{dXm ~H$m`m Zhr§ Wr&
g§~Õ ì¶dgm¶ Ho$ g§~§Y ‘|:
(H$) Iar{X¶m± {OZ‘| n[aXmZ b§{~V hmo ` 3667 bmI ({nN>bo df© ` 5233 bmI)
(I) {~«{H«$¶m± {OZ ‘| AXmMm[a¶m± A{VXo¶ hmo ` 33460 bmI ({nN>bo df© ` 12316 bmI)
13. AÜ¶j, à~§Y {ZXoeH$m| Ed§ à_wI à~§YH$s¶ ì`{³V`m| H$mo nm[al{‘H$ :
(` bmI ‘|)
doVZ Ed§ ^Îmo 291.62 251.43
n|eZ ‘| {ZJ‘ H$m A§eXmZ 19.73 18.68
n[abpãY¶m| H$m H$a¶mo½¶ ‘yë¶ 56.33 63.19
Cn`w©º$ nm{al{_H$ _o§ godm{Zd¥{Îm bm^ em{_b Zhr§ h¡ O¡go CnXmZ Am¡a NwÅr ZH$XrH$aU Omo nwñVH$mo§ _o§ Cnm{O©V/^wJVmZ hmoVo h¡&
14. H$) Ag§~Õ ì¶dgm¶ Ho$ C{MV ‘wë¶ AmYma na ‘yë¶m§{H$V B{¹$Q>r eo¶am| d gh¶moJ {ZYr ‘| {Zdoem| H$s Eo{Vhm{gH$ bmJV :
(` bmI ‘|)
OrdZ, dm{f©H$s Ed§ g‘yh ¶moOZmE§ …-
B{¹$Q>r 38060553 36145523
gh¶moJ {Z{Y {Zdoe 636544 321288
I) g§~§Õ ì¶dgm¶ Ho$ C{MV ‘wë¶ AmYma na ‘yë¶m§{H$V {Zdoem| H$mo Eo{Vhm{gH$ bmJV:
(` bmI ‘|)
B{¹$Q>r eo¶a 2815076 3888644
gaH$mar à{V^y{V¶m± 3421150 3254755
252
252
62 nd Annual Report
$" ";

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; ;];{
(` in Lakhs)
Particulars Current Previous

Financial year Financial Year
Opening Balance 1050901.57 795187.02
Add: Amount transferred to Unclaimed Fund 702963.71 424028.00
Add:
13516.65 1141.24
P Q
Add: Investment Income on Unclaimed Fund 74550.91 73297.85
Less: Amount of claims paid during the year 423810.62 239229.02
Less: Amount transferred to SCWF (net of claims paid in respect of amounts transferred 33785.82 3523.52
earlier)
Closing Balance of Unclaimed Amount Fund 1384336.40 1050901.57
\ ; '

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# N [`1499.56 Cr. (P. Y. ` 1203.09 Cr.)
12. Value of contracts in relation to Investments:
In respect of Non- Linked business:
(a) Purchases where deliveries are pending ` 24590 Lakhs (previous year ` 55846 Lakhs)
(b) Sales where payments are overdue ` 43953 Lakhs (previous year ` 40850Lakhs)
There were no contracts outstanding in relation to investments in respect of Pension business, Health Business and CRAC business:
In respect of Linked business:
(a) Purchases where deliveries are pending ` 3667 Lakhs (Previous Year ` 5233 Lakhs)
(b) Sales where payments are overdue ` 33460 Lakhs (Previous Year ` 12316 Lakhs)
\ "; ; @ $_> "'
(` in Lakhs)
, : /92H/ /G2ML
Corporation’s contribution to Pension 19.73 18.68
N @
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books.
14. (a) (
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(b) Historical cost of investments valued on fair value basis of Linked Business is as under:
(` `
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Government Securities 3421150 3254755
253
J) ny±Or ‘moMZ VWm {ZYm©[aV dm{f©H$s g{hV C{MV ‘yë¶ AmYma na ‘yë¶m§{H$V B{¹$Q>r eo¶am| ‘| {Zdoem| H$s Eo{Vhm{gH$ bmJV:
(` bmI ‘|)
B{¹$Q>r eo¶a ímyÝ¶ ímyÝ¶
15. boIm {Z{V¶m± 15 (gwYm[aV 2005) H$‘©Mmar {hVbm^ Ho$ AZwgma boIm {Z{V¶m| ‘| n[a^m{fV {H$E hþE H$‘©Mmar {hVbm^ Ho$ g§~§Y ‘|
CX²²KmQ>rV {df¶ {ZåZ{b{IV h¡:
H$) 31.03.2019 VH$ H$s H$‘©Mmar J«°À¶wBQ>r Xo¶Vm H$s {JZVr :
Bg Xm{¶Ëd H$m dV©‘mZ ‘yë¶ ~r‘m§H$Z ‘yë¶m§H$Z na AmYm[aV, àñVm{dV B©H$mB© O‘m nÕVr go {ZpíMV {H$¶m J¶m h¡&
I nydm©Zw‘mZ
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
[a¶m¶Vr Xa 8.00% 8.00%
¶mo{OV n[ag§n{Îm¶m| na bm^ H$m Xa 8.00% 8.00%
doVZ ‘| d¥{Õ 6.00% 6.00%
H$‘©Mm[a¶m| Ho$ Cd©[aV-H$m¶©H$mb H$m Ano{jV Am¡gV (df©) 10.97 11.72
II. Xm{¶Ëdm| Ho$ dV©‘mZ ‘yë¶m| ‘| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr:

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© H$s ewê$AmV VH$ Ho$ Xm{¶Ëdm| H$mo dV©‘mZ ‘yë¶ 11027.25 6487.73
A{YJ«hU g‘m¶moOZ - -
ã¶mO bmJV ‘yë¶ 882.18 519.02
JV godm bmJV ‘yë¶ 0.00 1238.22
dV©‘mZ godm bmJV ‘yë¶ 322.94 321.91
g§{já bmJV ‘yë¶/(O‘m) - -
{ZnQ>mam bmJV ‘yë¶/(O‘m) - -
AXm {H$¶m J¶m bm^ (548.97) (306.72)
Xm{¶Ëdm|na ~r‘m§H$Z(bm^)/hm{Z (92.60) 2767.10
df© Ho$ A§V VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 11590.80 11027.25
III. ¶mo{OV n[ag§n{Îm¶m| Ho$ ghr ‘yë¶ ~Xb Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© H$s ewê$AmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 11027.25 6487.73
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^ 882.18 519.02
A§eXmZ 200.00 4317.00
AXm {H$¶m J¶m bm^ (548.97) (306.72)
¶mo{OV n[ag§n{Îm¶m§ na ~r‘m§H$Z bm^/(hm{Z) 30.34 10.22
df© Ho$ A§V VH$ Ho$ Xm{¶Ëdm| H$m ghr ‘yë¶ 11590.80 11027.25
254
254
62 nd Annual Report
(c) (

",

! : [
` `
", %& %&
\ '

;'">~
";'">~ "^
;'">?>">"" \\
The present value of the obligation and current service cost is determined based on actuarial valuation using the Projected Unit
<
I. Assumptions:
(` in crore)
31.3.2019 31.3.2018
Discount Rate 8.00% 8.00%
Rate of return on Plan Assets 8.00% 8.00%
," 6.00% 6.00%
"N '
of employees (years) 10.97 11.72
\ "^ ""

(` in crore)
31.3.2019 31.3.2018
Present Value of obligation as at the
Beginning of the year 11027.25 6487.73
¢ - -
Interest Cost 882.18 519.02
Past service Cost 0.00 1238.22
Current service Cost 322.94 321.91
Curtailment Cost/ (Credit) - -
Settlement Cost/ (Credit) - -
+ (548.97) (306.72)
Actuarial (gain)/loss on obligations (92.60) 2767.10
end of the year 11590.80 11027.25
\ "^ ]""

(` in crore)
31.3.2019 31.3.2018
Fair Value of Plan Assets at the
beginning of the year 11027.25 6487.73
¢ - -
"N 882.18 519.02
Contributions 200.00 4317.00
+ (548.97) (306.72)
Actuarial gain/(loss) on Plan Assets 30.34 10.22
end of the year 11590.80 11027.25
255
IV. ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ Xem©Zodmbr gyMr:

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© H$s ewê$AmV ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 11027.25 6487.73
¶mo{OV n[ag§n{Îm¶m| na dmñV{dH$ bm^ 912.52 529.24
A§eXmZ 200.00 4317.00
AXm {H$¶m J¶m bm^ (548.97) (306.72)
df© Ho$ A§V VH$ ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 11590.80 11027.25
{Z{YH$ pñWVr 100.00% 100.00%
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a 30.34 10.22
dmñV{dH$ bm^ H$m A{Yeof
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ {bE ~r‘m§H$Z bm^/hm{Z - Xm{¶Ëd 92.60 (2767.10)
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z -¶mo{OV n[ag§n{Îm¶m± (30.34) (10.22)
df© Ho$ {bE Hw$b (bm^)/hm{Z (122.94) 2756.88
df© Ho$ ‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z (122.94) 2756.88
df© Ho$ A§V VH$ A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^/hm{Z) - -
VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá hmoZodmbr YZam{e¶m±
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ A§V VH$ Ho$ Xm{¶Ëd H$m dV©‘mZ ‘yë¶ 11590.80 11027.25
df© Ho$ A§V VH$ ¶moOrV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 11590.80 11027.25
{Z{YH$ pñWVr 100.00% 100.00%
A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hmZr - -
VwbZ-nÌ ‘| ‘mÝ¶Vmàmá ewÕ n[ag§n{Îm/(Xm{¶Ëd) 0.00 0.00
VII. bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá ì¶¶:

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
JV godm bmJV ‘yë¶ 0.00 1238.22
ã¶mO bmJV ‘yë¶ 882.18 519.02
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^ (882.18) (519.02)
df© ‘| ‘mÝ¶Vmàmá ewÕ ~r‘m§H$Z (bm^)/ hm{Z (122.94) 2756.88
bm^ Ed§ hm{Z H$o {ddaU ‘| ‘mÝ¶Vmàmá ì¶¶ 200.00 4317.00
256
256
62 nd Annual Report
\ "^ ]""

(` in crore)
31.3.2019 31.3.2018
Fair Value of Plan Assets at the
¢ - -
Actual return on Plan Assets 912.52 529.24
+ (548.97) (306.72)
Fair value of Plan Assets at the end
of the year 11590.80 11027.25
Funded Status 100.00% 100.00%
"N
30.34 10.22
V. Actuarial Gain/Loss Recognized

(` in crore)
31.3.2019 31.3.2018
Actuarial gain/(loss) for the year –Obligation 92.60 (2767.10)
Actuarial (gain)/loss for the year – Plan Assets (30.34) (10.22)
Total (gain)/loss for the year (122.94) 2756.88
Actuarial (gain)/ loss recognized in the year (122.94) 2756.88
Unrecognized actuarial (gain)/losses at the end of year - -
;

~"
; _
(` in crore)
31.3.2019 31.3.2018
Present Value of obligation as at the end of the year 11590.80 11027.25
Fair value of Plan Assets as at the end of the year 11590.80 11027.25
Unrecognized Actuarial (gains)/losses - -
Net Asset/(Liability) recognised in Balance Sheet 0.00 0.00
!'

;

(` in crore)
31.3.2019 31.3.2018
Current Service Cost 322.94 321.91
Past Service Cost 0.00 1238.22
"N (882.18) (519.02)
Net actuarial (gain)/loss recognized in the year (122.94) 2756.88
"N
:& 200.00 4317.00
257
I) g‘yh A{O©V AdH$me ZH$XrH$aU Xm{¶Ëd :

H$‘©Mmar gXñ¶m| H$mo CnbãY ZH$XrH$aU bm^ H$m ‘yë¶§mH$Z àñVm{dV B©H$mB© O‘m nÕVr H$s ‘XX go {H$¶m OmVm h¡& Bg nÕVrZwgma
^{dî¶H$mbrZ doVZ H$mo, {Ogo Cg dº$ ‘yë¶m§H$Z {V{W VH$ [a¶m¶V Xr JB© h¡, Ü¶mZ ‘o§ aIVo hþE, ‘yë¶m§H$Z {V{W VH$ àX^yV bm^
àñVm{dV {H$E OmVo h¡&
I. nydm©Zw‘mZ
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
[a¶m¶Vr Xa| 8.00% 8.00%
doVZ ‘| d¥{Õ 6.00% 6.00%
H$‘©Mmar¶m| H$m Am¡gV Ano{jV Cd©[aV H$m¶©H$mb (df©) 10.97 11.72
II. Xm{¶Ëdm| Ho$ dV©‘mZ ‘yë¶m| ‘| n[adV©Z Xem©Zodmbr gyMr:
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ ewê$AmV VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 3895.70 3140.06
ã¶mO bmJV ‘yë¶ 311.66 251.20
JV godm bmJV ‘yë¶ - -
AXm {H$¶m J¶m bm^ (185.13) (158.90)
Xm{¶Ëdm| na ~r‘m§H$Z (bm^)/hm{Z 89.98 606.73
III. ¶mo{OV n[ag§n{Îm¶m| Ho$ ghr ‘yë¶ ‘| ~Xb Xem©Zodmbr gyMr

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© H$s ewê$AmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 3895.70 3140.06
¶mo{OV n[ag§n{Îm¶m|na dmñV{dH$ bm^ 311.66 251.20
A§eXmZ 140.00 658.00
AXm {H$¶m J¶m bm^ (185.13) (158.90)
¶mo{OV n[ag§n{Îm¶m| na ~r‘m§H$Z bm^/(hm{Z) 11.86 5.33
df© Ho$ A§V VH$ Ho$ ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 4174.09 3895.70
IV. ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ Xem©Zodmbr gyMr :
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© H$s ewéAmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 3895.70 3140.06
¶mo{OV n[ag§n{Îm¶m|na dmñV{dH$ bm^ 323.52 256.54
A§eXmZ 140.00 658.00
AXm {H$¶m J¶m bm^ (185.13) (158.90)
{Z{YH pñW{V 100.00% 100.00%
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a dmñV{dH$ bm^ H$m A{Yeof 11.86 5.33
258
258
62 nd Annual Report
~'" ; ">

& ¢ * < *
¢

valuation date.
I. Assumptions:
(` in crore)
31.3.2019 31.3.2018
Rate of return on Plan Assets 8.00% 8.00%
," 6.00% 6.00%
"N '
" P Q 10.97 11.72
\ "^ ""

(` in crore)
31.3.2019 31.3.2018
¢ - -
Past service Cost - -
Current service Cost 61.88 56.61
+ (185.13) (158.90)
Actuarial (gain)/loss on obligations 89.98 606.73
end of the year 4174.09 3895.70
\ "^ ]""

(` in crore)
31.3.2019 31.3.2018
Fair value of plan assets at beginning of year 3895.70 3140.06
¢ - -
"N 311.66 251.20
+ (185.13) (158.90)
Actuarial gain / (loss) on Plan assets 11.86 5.33
Fair value of plan assets at the end year 4174.09 3895.70
\ "^ ]""

(` in crore)
31.3.2019 31.3.2018
Fair value of plan assets at beginning of year 3895.70 3140.06
¢ - -
Actual return on plan assets 323.52 256.54
+ (185.13) (158.90)
Fair value of plan assets at the end year 4174.09 3895.70
Funded status 100.00% 100.00%
"N
11.86 5.33
259
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ {bE ~r‘m§H$Z bm^/(hm{Z) - Xm{¶Ëd (89.98) (606.73)
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z - Xm{¶Ëd - ¶mo{OV n[ag§n{Îm¶m± (11.86) (5.33)
df© Ho$ {bE Hw$b (bm^)/hm{Z 78.12 601.39
df© Ho$ ‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z 78.12 601.39
A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z¶m± - -
VI. VwbZ-nÌ ‘| ‘mÝ¶Vmàmá H$s AmZodmbr YZam{e¶m± :

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
{Z{YH pñW{V 100.00% 100.00%
A-‘mÝ¶Vmàmá ~r‘m§H$Z (bm^)/hm{Z¶m± - -
VII. bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶VmàmßV ì¶¶ :

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
ã¶mO bmJV ‘yë¶ 311.66 251.20
df© Ho$ ‘mÝ¶Vmàmá ewÕ ~r‘m§H$Z (bm^)/hm{Z 78.12 601.39
bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá ì¶¶ 140.00 658.00
J) H$‘©Mmar {Zd¥ÎmrdoVZ ¶moOZm 1995 Xm{¶Ëd :

àñVm{dV B©H$mB© O‘m nÕVr Ohm± na ‘yë¶m§H$Z {VWr VH$ H$m H$m¶©H$mb VWm {ZJ©‘Z {VWr VH$ H$s doVZ ‘| hmoZodmbr d¥{Õ¶m| H$mo Ü¶mZ
‘| aIVo hþE Xo¶ {hVbm^ ‘yë¶m§{H$V {H$E OmVo h¢& BZ am{e¶m| H$m ‘yë¶m§H$Z {VWr VH$ H$m ‘yë¶ BZ àñVm{dV bm^m| H$s am{e¶m| H$mo Ny>Q>
XoVo hþE {ZmH$mbm OmVm h¡&
B©Z‘| à‘wI nydm©Zw‘mZ h¡ (1) [a¶m¶V Xa| (2) doVZ d¥[Õ
I. nydm©Zw‘mZ :
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
[a¶m¶Vr Xa| 8.00% 8.00 %
doVZ ‘| d¥{Õ (‘yb doVZ + _h§JmB© ^Îmm) 6.00% 6.00 %
noÝeZ d¥{Õ H$m Xa 5.00% 5.00 %
¶mo{OV n[ag§n{Îm¶m| na bm^ H$m Xa 8.30% 8.16 %
H$‘©Mm[a¶m| Ho$ Cd©[aV-H$m¶©H$mb H$m Ano{jV Am¡gV (df©) 9.26 9.83
260
260
62 nd Annual Report
V. Actuarial Gain/Loss recognized

(` in crore)
31.3.2019 31.3.2018
Actuarial gain/(loss) for the year – Obligation (89.98) (606.73)
Actuarial (gain)/loss for the year – Plan Assets (11.86) (5.33)
Total (gain)/loss for the year 78.12 601.39
Actuarial (gain)/loss recognized in the year 78.12 601.39
Unrecognized actuarial (gains)/losses - -
\ ; [

~"
(` in crore)
31.3.2019 31.3.2018
Present Value of Obligation as at the end of the year 4174.09 3895.70
Fair Value of Plan Assets as at the end of the year 4174.09 3895.70
Unrecognized Actuarial (gains)/losses - -
Net Asset/(Liability) Recognized in Balance Sheet 0.00 0.00
\ !' [

;

(` in crore)
31.3.2019 31.3.2018
Past Service Cost - -
"N (311.66) (251.20)
Net actuarial (gain)/loss recognised in the year 78.12 601.39
"N
:& 140.00 658.00
C);'"> ;">

¢ * <

N

¢
P2Q :P/Q,
I Assumptions:
(` in crore)
31.3.2019 31.3.2018
Discount rate 8.00% 8.00 %
Rate of increase in salary (Basic+DA) 6.00% 6.00 %
Rate of pension increase 5.00% 5.00 %
Rate of return on Plan Assets 8.30% 8.16 %
"N '
" P Q 9.26 9.83
261
II. Xm{¶Ëdm| H$o dV©‘mZ ‘yë¶m| ‘| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© H$s ewéAmV VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 53904.00 45109.52
ã¶mO bmJV ‘yë¶ 4312.32 3608.76
dV©‘mZ godm bmJV ‘yë¶ 4319.74 5921.05
g§{já bmJV ‘yë¶ / (O‘m) - -
{ZnQ>mam bmJV ‘yë¶ / (O‘m) - -
AXm {H$¶m J¶m bm^ (2192.45) (1404.90)
Xm{¶Ëdm|na ~r‘m§H$Z (bm^)/(hm{Z) 767.70 669.57
III. ¶mo{OV n[ag§n{Îm¶m| Ho$ ghr ‘yë¶ ~Xb Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ ewéAmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 53904.00 45109.52
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^ 4312.32 3608.76
A§eXmZ 4827.18 6638.27
AXm {H$¶m J¶m bm^ (2192.45) (1404.90)
¶mo{OV n[ag§n{Îm¶m| na ~r‘m§H$Z bm^/hm{Z 260.26 (47.65)

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
¶mo{OV n[ag§n{Îm¶m| na dmñV{dH$ bm^ 4572.58 3561.11
A§eXmZ 4827.18 6638.27
AXm {H$¶m J¶m bm^ (2192.45) (1404.90)
{Z{YH$ pñWVr {Z{YH$ {Z{YH$
¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a dmñV{dH$ bm^ H$m A{Yeof 260.26 (47.65)
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z:

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ {bE ~r‘m§H$Z bm^/(hm{Z) - Xm{¶Ëd (767.70) 669.57
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z -¶mo{OV n[ag§n{Îm¶m± (260.26) 47.65
df© Ho$ {bE Hw$b (bm^)/hm{Z 507.44 717.22
A‘mÝ¶Vmàmá ~r‘m§H$ (bm^)/hm{Z 0.00 0.00
262
262
62 nd Annual Report
\ "^ ""

(` in crore)
31.3.2019 31.3.2018
Present Value of Obligation as at the beginning
of the year 53904.00 45109.52
¢ - -
Curtailment Cost / (Credit) - -
Settlement Cost / (Credit) - -
+ (2192.45) (1404.90)
Actuarial (gain)/ loss on obligations 767.70 669.57
\ "^ ]""

(` in crore)
31.3.2019 31.3.2018
Fair value of plan assets at beginning of the year 53904.00 45109.52
¢ - -
"N ! 4312.32 3608.76
+ (2192.45) (1404.90)
Actuarial Gain /(Loss) on Plan Assets 260.26 (47.65)
Fair Value of Plan Assets at end of year 61111.31 53904.00
\ "^ ]""

(` in crore)
31.3.2019 31.3.2018
¢ - -
Actual Return on Plan Assets 4572.58 3561.11
+ (2192.45) (1404.90)
Fair value of plan assets at the end of year 61111.31 53904.00
Funded Status Funded Funded
"N
260.26 (47.65)
V. Actuarial Gain / Loss Recognized

(` in crore)
31.3.2019 31.3.2018
Actuarial gain/(loss) for the year - Obligation (767.70) 669.57
Actuarial (gain)/loss for the year - Plan Assets (260.26) 47.65
Total (gain) / loss for the year 507.44 717.22
Actuarial (gain) / loss recognized in the year 507.44 717.22
Unrecognized actuarial (gains) / losses 0.00 0.00
263
VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá hmoZodmbr YZam{e¶m±:
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
df© Ho$ A§V ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 61111.31 53904.00
{Z{YH$ pñW{V {Z{YH$ {Z{YH$
A-‘mÝ¶Vmàmá ~r‘m§H$ (bm^)/hm{Z 0.00 0.00
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
dV©‘mZ godm bmJV ‘yë¶ 4319.74 5921.05
ã¶mO bmJV ‘yë¶ 4312.32 3608.76
K) {Z¶{‘V A§eH$m{bH$ H$‘©Mmar {Zd¥ÎmrdoVZ ¶moOZm 1999 Xm{¶Ëd:

BZ‘| à‘wI nydm©Zy‘mZ h¡ (1) [a¶m¶Vr Xa| (2) doVZ d¥{Õ
I. nwdm©Zw‘mZ :
(` H$amo‹S ‘|)
31.3.2019 31.3.2018
[a¶mVr Xa| 8.00% 8.00%
doVZ d¥{Õ H$m Xa (‘yb doVZ + _h§JmB© ^Îmm) 6.00% 6.00%
noÝeZ d¥{Õ H$m Xa 5.00% 5.00%
H$‘©Mm[a¶m| Ho$ Cd©[aV H$m¶©H$mb H$m Ano{jV Am¡gV (df©) 8.71 8.93
II. Xm{¶Ëdm| H$o dV©‘mZ ‘yë¶m| ‘| hmoZodmbo n[adV©Z Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.3. 2019 31.3.2018
df© H$s ewéAmV VH$ Ho$ Xm{¶Ëdm| H$m dV©‘mZ ‘yë¶ 22.88 18.62
ã¶mO bmJV ‘yë¶ 1.83 1.49
JV godm bmJV ‘yë¶ {Za§H {Za§H
dV©_mZ godm bmJV ‘yë¶ 0.00 2.58
g§{já bmJV ‘yë¶ / (O‘m) - -
AXm {H$¶m J¶m bm^ 0.00 0.00
¶moOZm H$‘©Mm[a¶m| H$m g§jonU - -
264
264
62 nd Annual Report
\ ; ~ [

~"
;

(` in crore)
31.3.2019 31.3.2018
Unrecognized Actuarial (gains) / losses 0.00 0.00
Net Asset / (Liability) Recognized in Balance Sheet 0.00 0.00
\ !' [

;

(` in crore)
31.3.2019 31.3.2018
"N ! (4312.32) (3608.76)
Net actuarial (gain)/ loss recognized in the year 507.44 717.22
"N !
& 4827.18 6638.27
$ "{;;'"> ;">

P2Q :P/Q,
I. Assumptions:
(` in crore)
31.3.2019 31.3.2018
Rate of increase in salary(Basic+DA) 6.00% 6.00%
Rate of pension increase 5.00% 5.00%
Rate of Return on Plan Assets 8.30% 8.16%
"N '
Of employees (years) 8.71 8.93
\ "^ ""

(` in crore)
31.3. 2019 31.3.2018
Present Value of Obligation as at the beginning
of the year ` 22.88 18.62
¢ 4 4
Past Service Cost Nil Nil
Curtailment Cost/(Credit) - -
+ 000 000
Curtailment of employees in plan - -
265
Xm{¶Ëdm|na ~r‘m§H$Z (bm^)/hm{Z (18.13) 0.19
III. ¶mo{OV n[ag§n{Îm¶mm| Ho$ ghr ‘yë¶ ‘| ~Xb Xem©Zodmbr gyMr :

(` H$amo‹S ‘|)
31.03.2019 31.03.2018
df© Ho$ ewéAmV ‘| ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 22.88 18.62
¶mo{OV n[ag§n{Îm¶m| na Ano{jV bm^/hm{Z 1.83 1.49
A§eXmZ 0.05 2.76
AXm {H$¶m J¶m bm^ 0.00 0.00
¶mo{OV n[ag§n{Îm¶m| na ~r‘m§H$Z bm^ (18.18) 0.01

(` H$amo‹S ‘|)
31.03.2019 31.03.2018
¶mo{OV n[ag§n{Îm¶m| na dmñV{dH$ bm^ (16.35) 1.50
A§eXmZ 0.05 2.76
AXm {H$¶m J¶m bm^ 0.00 0.00

{Z{YH$ pñWVr {Z{YH$ {Z{YH$

¶mo{OV n[ag§n{Îm¶m| na AZw‘m{ZV bm^ H$mo N>moS>H$a dmñV{dH$ bm^ H$m A{Yeof (18.18) 0.01
V. ‘mÝ¶Vmàmá ~r‘m§H$Z bm^/hm{Z:

(` H$amo‹S ‘|)
31.03.2019 31.03.2018
df© Ho$ {bE ~r‘m§H$Z bm^/(hm{Z) - Xm{¶Ëd 18.13 0.19
df© Ho$ {bE ~r‘m§H$Z (bm^)/hm{Z -¶mo{OV n[ag§n{Îm¶m± 18.18 (0.01)
df© Ho$ {bE Hw$b (bm^)/hm{Z 0.05 0.18
VI. VwbZ-nÌ VWm bm^ Ed§ hm{Z Ho$ {ddaU ‘| ‘mÝ¶Vmàmá hmoZodmbr YZam{e¶m±:
(` H$amo‹S ‘|)
31.03.2019 31.03.2018
df© Ho$ A§V ¶mo{OV n[ag§n{Îm¶m| H$m ghr ‘yë¶ 6.58 22.88
{Z{YH$ pñW{V {Z{YH$ {Z{YH$
266
266
62 nd Annual Report
Actuarial (gain)/ loss on obligations (18.13) 0.19

\ "^ ]""

(` in crores)
31.3.2019 31.3.2018
¢ 4 4
"N ! 23L 2M9
+ 000 000
Actuarial Gain /(Loss) on Plan Assets (18.18) 0.01
Fair Value of Plan Assets at end of year 6.58 22.88
\ "^ ]""

(` in crores)
31.3.2019 31.3.2018
¢ 4 4
Actual Return on Plan Assets (16.35) 1.50
+ 000 000
Fair value of plan assets at the end of year 6.58 22.88
"N
P2323Q 002
V. Actuarial Gain / Loss Recognized

(` in crores)
31.3.2019 31. 3. 2018
Actuarial gain/(loss) for the year - Obligation 18.13 0.19
Actuarial (gain)/loss for the year - Plan Assets 18.18 (0.01)
Total (gain) / loss for the year 0.05 0.18
Actuarial (gain) / loss recognized in the year 0.05 0.18
Unrecognized actuarial (gains) / losses 0.00 0.00
VI. ; ~ [

~"
;

(` in crores)
31.3.2019 31. 3. 2018
Unrecognized Actuarial (gains) / losses 0.00 0.00
Net Asset / (Liability) Recognized in Balance Sheet 0.00 0.00
267

(` H$amo‹S ‘|)
31.3.2019 31.3.2018
ã¶mO bmJV ‘yë¶ 1.83 1.49
(J) A{V[aº$ {ddaU :

1) gm§{d{YH$ AnojmAm| Ho$ AZwgma {H$¶m J¶m {Zdoe (à~§Y Ûmam ¶Wm à‘m{UV)
emIm à{V^y{V¶m| H$m àH$ma ~ht ‘yë¶ (` bmI ‘|)
(Mmby df©) ({nN>bo df©)
¶y.Ho$. `w{Z`Z ~¢H$ ‘| @ 1.90% go gmd{Y O‘m 1805.38 1829.86
‘m°areg ~¢H$ Am°’$ ~S>m¡Xm ‘| @ 3.50% go gmd{Y O‘m 198.32 195.86
{’$Or E’$.Or.Ama. ñQ>mH$ @ 12%, 5.54%, 12.31%, 7.83%, 13%, 5.46%, 5195.69 4970.52
2) Am¶ H$s ‘mÝ¶Vm Ho$ CÔoe go à¶moÁ¶ / AZwà¶moÁ¶ {Zdoemo H$m H$O© (F$U VWm A{J«‘ am{e) ‘o§ {d^mOZ (à~§YZ Ûmam ¶Wm
à‘m{UV):
(` bmI ‘|)
(H$) Ag§~Õ ì¶dgm¶:
à¶moÁ¶ {Zdoe 37819776 38006380
AZwà¶moÁ¶ {Zdoe 2477722 2524100
(I) ny±.‘mo. ({Z.dm.g.) ì¶dgm¶
à¶moÁ¶ {Zdoe 9600 13526
AZwà¶moÁ¶ {Zdoe 0 0
3) nwZg©aMZm Ho$ A{YZ n[ag§n{Îm¶m§ 31.03.2019 VH$: (` bmI ‘|)
nwZgªaMZm Ho$ AYrZ F$U n[ag§n{Îm¶m| H$s Hw$bam{e 40108 279531
nwZgªaMZm Ho$ AYrZ ‘mZH$ n[ag§n{Îm¶m| H$s Hw$bam{e - 73474
nwZgªaMZm Ho$ AYrZ Cn-‘mZH$ n[ag§n{Îm¶m| H$s Hw$bam{e - 206057
nwZgªaMZm Ho$ AYrZ g§{X½Y Ed§ ZwH$gmZrV n[ag§n{Îm¶m| H$s Hw$bam{e 40108 0.00
268
268
62 nd Annual Report
\ !' [

;

(` in crores)
31.3.2019 31. 3. 2018
"N ! P23LQ P2M9Q
Net actuarial (gain)/ loss recognized in the year 0.05 0.18
"N !

00G /KH
(C) ADDITIONAL DISCLOSURES:

; ;

^>=;
> ;
~ >' Book Value (` `

*a -N ; *'^290g 230GL3 23/93H
< -;+'
+^LG0g 293L/ 29G3H
Fiji FGR Stock @12%, 5.45%, 12.31%, 7.23%, 13% and 5.46% 5195.69 4970.52
; {'; ; '' ;
>
Management):
(` `
(a) LIFE Business:
Performing investments: 37819776 38006380
Non-performing investments 2477722 2524100
(b) CRAC Business:
Performing investments 9600 13526
Non-performing investments NIL NIL
3) Assets Subject to Restructuring as on 31.03.2019
(` `
Total amount of loan assets subject to restructuring 40108 279531
Total amount of standard assets subject to restructuring - 73474
Total amount of sub standard assets subject to restructuring - 206057

: ¢ M0203 000
269
4) joÌdma ì¶dgm¶ H$m à{VeV (O¡gm {H$ à~§YZ Ûmam à‘m{UV {H$¶m J¶m h¡) :
nm°{b{g¶m| H$s g§»¶m
J«m‘rU ì¶dgm¶ 22.18% 22.38%
ehar ì¶dgm¶ 77.82% 77.62%
gm‘m{OH$ joÌ (~r{‘V bmoJm| H$s g§»¶m …)* 46.28% 32.00%
* A{YgyMZm g§»¶m ^m ~r dr n«m/aoJw/ 13/103/2015 Ho$ AZwgma {dÎm df© 2016-17 VH$ ~r{‘V bmoJm| H$s g§»¶m Xr OmZr Wr Am¡a {dÎm
df© 2016-17 go gm‘m{OH$ joÌ ‘| ~r{‘V ì¶{º$¶m| H$m … XoZm h¡&
5) AdYm[aV Am¡a ~r‘mH¥$V Omo{I‘ :
( n«{VeV _o§)
{ {
AdYm[aV Omo{I‘ ~r‘mH¥$V Omo{I‘ AdYm[aV Omo{I‘ ~r‘mH¥$V Omo{I‘

àW‘ dfu¶ àr{‘¶‘ 99.90 0.10 99.92 0.08
nadVu àr{‘¶‘ 99.85 0.15 99.81 0.19
EH$b àr{‘¶‘ 100.00 0.00 100.00 0.00
6) ~§X nm°{b{g¶m| Ho$ g§~§Y ‘| àH$Q>Z :

~§X H$r JB© nm°{b{g`mo§ Ho {bE àma§{^H eof 4844.34 9433.41
OmoSo§ : df© Ho Xm¡amZ ~§X nm°{b{g`mo§ H$r {Z{Y 1942.16 1191.47
H$_ : df© Ho Xm¡amZ nwZOr©{dV / ^wJVmZ H$r JB© nm°{b{g`mo§ H r {Z{Y 1717.13 6792.71
OmoSo§ : {Z{Y Ho {Zdoe na ewÕ Am` / bm^ 108.63 1012.17
~§X nm°{b{g`mo§ Ho {bE \§ S H$m g_mnZ eof am{e 5178.00 4844.34
AÝ` n«H$QZ …
noÝeZ ßbg EÝS>mo‘|Q> ßbg g‘¥Õr ßbg âbo³gr ßbg Ý¶y EÝS>mo‘|Q>
ßbg
{dÎmr¶ df© 2018-2019 Ho$ Xm¡amZ ~§X hþB© 26 95 146 7 2087
nm°{b{g¶m| H$s g§»¶m (54) (152) (303) (4) (554)
df© Ho$ Xm¡amZ ~§X hþB© ~m°{b{g¶m| H$m Hw$b nm°{b{g¶m|0.57 0.98 1.16 2.85 25.88
Ho$ à{VeV (1.03) (1.20) (1.82) (1.24) (9.81)
df© Ho$ Xm¡amZ nwZOu{dV nm°{b{g¶m| H$s g§»¶m 3 4 19 0 552
(2) (5) (12) (3) (48)
df© Ho$ Xm¡amZ nwZOm©{dV nm°{b{g¶m| H$m à{VeV 11.54 4.21 13.01 0 26.45
(3.70) (3.29) (3.96) (75.00) (8.66)
~§X nm°{b{g¶mo§ na bJmE JE à^ma (` bmIm| ‘|)* 0.20 0.77 1.35 0.06 16.32
(0.58) (2.09) (3.27) (0.01) (5.32)
*Xem©ò JE ewëH$ bmJV ewëH$ Am¡a g_m`mo{OV ewëH$ H$m ewÕ h¡.
()H$moð>H$ ‘| {XE JE Am§H$‹S>o {nN>bo df© Ho$ Am§H$‹S>mo H$mo Xem©Vo h¡&
7) ^m.~r.{d.{d.àm. Ûmam {ZYm©[aV {dÎmr¶ {ddaUm| Ho$ g§{já {ddaU n[a{ímï> 1 VWm 2 gb¾ XoI|&
8) g§~§{YV njH$ma H$m àH$Q>Z :
({ZJ‘ Ûmam ¶Wm{MpÝhV g§~§{YV njH$ma H$m g§~§Y) ^maVr¶ gZXr boImH$ma g§ñWmZ Ûmam Omar g§~§{YV njH$ma àH$Q>Z na (bo.{Z. 18) ‘mZH$ boIm
Ho$ AZwgma {ZJ‘ Ho$ g§~§{YV njH$ma/g§¶wº$ CÚ‘ {ZåZ h¡:
270
270
62 nd Annual Report
{^

> ;
No. of policies
Rural business 22.18% 22.38%
Urban business 77.82% 77.62%
Social Sector (No. of Lives Insured in %)* 46.28% 32.00%
!;\! \2L\20L\/02G
-X/02H4/02K
,,

5) Risk Retained and Insured:
( in %)
{ {
Risk retained Risk Insured Risk retained Risk Insured
First year premium 99.90 0.10 99.92 0.08
Renewal premium 99.85 0.15 99.81 0.19
Single premium 100.00 0.00 100.00 0.00
6) Disclosures relating to discontinued policies

Fund for Discontinues Policies
Opening Balance of Fund for Discontinued Policies 4844.34 9433.41
Add: Fund of policies discontinued during the year 1942.16 1191.47
Less: Fund of policies revived/Paid during the year 1717.13 6792.71
Add: Net Income/Gains on Investment of the Fund 108.63 1012.17
Closing Balance of Fund for Discontinued Policies 5178.00 4844.34
$"
Pension Plus
^; ;
Flexi ^

Plus Plus Plus
^;
Plus
Number of policies discontinued 26 95 146 7 2087
/0234/029 (54) (152) (303) (4) (554)
Percentage of discontinued to total 0.57 0.98 1.16 2.85 25.88

policies during the year (1.03) (1.20) (1.82) (1.24) (9.18)
Number of policies revived during the 3 4 19 0 552
year (2) (5) (12) (3) (48)
Percentage of policies revived during 11.54 4.21 13.01 0 26.45
the year (3.70) (3.29) (3.96) (75.00) (8.66)
Charges imposed on account of 0.20 0.77 1.35 0.06 16.32
discontinued policies (` in lakhs)* (0.58) (2.09) (3.27) (0.01) (5.32)
* Charge shown above are net of charges imposed and charges readjusted
- ' PQ =
;;>] "; '
>$ !_
\
8) RELATED PARTY DISCLOSURE:
P! ! Q
As per the Accounting Standard on Related Party Disclosures (AS 18) issued by the Institute of Chartered Accountants of India, the
related parties/joint ventures of the Corporation are as follows:
271
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lr Qr. gr gwgrb Hw _ma à~§Y {ZXoeH$ 14.03.2019 go
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272
272
62 nd Annual Report
A) Joint Ventures:
a &
Saudi Indian Company for Co-operative Insurance
B) Associate Companies
LIC Housing Finance Ltd.
&(-& < &
&<- < &
&<- &
C) Subsidiary Companies:
LIC Pension Fund Ltd.
LIC Card Services Ltd.
LIC (Singapore) Pte. Ltd.
LIC (Nepal) Ltd.
LIC(International) BSC (c), Bahrain
LIC (Lanka) Ltd.
LIC Bangladesh Ltd.
IDBI Bank
$ ;~
_> \\
;~
,<!a Chairman w.e.f. 14.03.2019

Shri. Hemant Bhargava <; w.e.f. 10.02.2017
Shri. B. Venugopal <; w.e.f. 11.04.2017
,, a <; w.e.f. 14.03.2019
Shri. Subhash Chandra Garg Government Nominee w.e.f. 17.07.2017
,$ < Government Nominee w.e.f. 16.06.2016
Smt. Alice G. Vaidayan "N4BJ< w.e.f. 23.05.2016
Smt. Padmja Chunduru < w.e.f. 16.11.2018
Shri. Bimalendu Chakrabarti %4BJ< w.e.f. 29.09.2017
Shri. Ravindra nath Chaturvedi %4BJ< w.e.f. 29.09.2017
Shri. R. Chandrasekaran %4BJ< w.e.f. 29.09.2017
>
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BJ Q
Smt. S.S. Soman
-::
- BJ w.e.f. 27.04.2018
Shri Dinesh Pant Appointed Actuary w.e.f. 17.01.2017
273
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274
274
62 nd Annual Report
;~
_> \\
;~
,<!a Chairman w.e.f. 14.03.2019

Shri. Hemant Bhargava <; w.e.f. 10.02.2017
,, a <; w.e.f. 14.03.2019
Shri Vipin Anand <; w.e.f. 01.04.2019
,$ < Government Nominee w.e.f. 16.06.2016
Smt. Alice G. Vaidayan N4BJ< w.e.f. 23.05.2016
Smt. Padmja Chunduru < w.e.f. 16.11.2018
Shri. Bimalendu Chakrabarti %4BJ< w.e.f. 29.09.2017
Shri. Ravindra nath Chaturvedi %4BJ< w.e.f. 29.09.2017
Shri. R. Chandrasekaran %4BJ< w.e.f. 29.09.2017
>
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Smt. S.S. Soman
P-:Q#
- BJ w.e.f. 07.05.2018
Smt. Geeta Prabhakaran
P+, \$?-\Q#
w.e.f. 18.04.2019
BJ
Shri Dinesh Pant Appointed Actuary w.e.f. 17.01.2017
; ;@
' @ '

' "
> '
; ;
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Sr. Name Description "$'"

st@
No.
1 ,<!a Chairman Chairman cum LIC Housing Finance Limited
LIC of India Director
2. Shri Hemant <; Chairman cum &(-& < &

Bhargava LIC of India Director &<- &
LIC (International) B.S.C.(c) Bahrain
LIC (Nepal) Ltd
LIC of Bangladesh Limited
&P, Q"&
Director – LIC Pension Fund Ltd.

LIC (Lanka) Ltd.
a &
LIC Card Services Limited
LIC Housing Finance Limited
Voltas Ltd.
ITC Limited.
The Tata Power Company Limited
& :&
275
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1 lr. E_ Ama Hw _ma AÜ¶j AÜ¶j EbAmB©gr EME’$Eb E_gr {b.
^maVr¶ OrdZ ~r‘m {ZJ‘ gh {ZXoeH$ EbAm¶gr å¶wÀ¶wAb \§ S AgoQ _°ZoO_|Q {b.
Am`Sr~rAm` ~¢H {b.
{ZXoeH$ - EbAmB©gr hmD$qgJ ’$mBZ|g {b.

EbAmB©gr noÝeZ ’§$S>
2. lr. ho‘§V ^mJ©d à~§Y {ZXoeH$ {ZXoeH$ - {Za§H
3. lr. Qr. gr. gwerb à~§Y {ZXoeH$ {ZXoeH$ - EbAmB©gr noÝeZ ’§$S>
Hw _ma ^maVr¶ OrdZ {~‘m {ZJ‘ EbAmB©gr EME’$Eb E_gr {b.
EbAm¶gr å¶wÀ¶wAb \§ S> Q´>ñQr> àm.{b
4. lr. {dnrZ Am§ZX à~§Y {ZXoeH$ AÜ¶j EbAmB©gr EME’$Eb HoAa hmoåg {b.
^maVr¶ OrdZ {~‘m {ZJ‘ gh {ZXoeH$
{ZXoeH$ - EbAm¶gr H$mS>© g{d©goO {b.
EbAmB©gr ~m§JbmXoe {b{‘Q>oS>
ñQm°H hmo{ëS§J H m°nm}aoeZ Am°\ B§{S`m
M) Cn¶w©³V g§~§{YV njH$mam| Ho$ gmW 2018-2019 df© Ho$ Xm¡amZ {ZJ‘ Ho$ g§ì¶dhmam| H$m ñdê$n Ed§ Am¶VZ {ZåZ h¡ :
(` bmI ‘|)
Egmo{gEQ²>g à‘wI
EbAm¶gr hmDqgJ EbAm¶gr EME\ EbAm¶gr à~§ YZ
\m¶ZmÝg {b. Eb EgoQ> ‘¡ZoO‘|Q> å¶wÀ¶wAb \§ S > H$m{‘© H$
H§$. EE‘. {b
Bp³dQ>r, F$Um| Am¡a å¶wÀ¶wAb \ÊS> H$s 0 934556.63
- -
IarX (0) (726661.50)
å¶wÀ¶wAb \ÊS> H$s {~H«$s 1042181.14
- - -
(778938.42)
F$Um| Am¡a ~mÊS>m|, H$Om] na CÝ‘moMZ 175000.00
- - -
(28145)
bm^ Am` 18567.46
- -
(23699.72)
{Zdoem| go bm^m§e Am¶ - - - -
gmd{Y O‘m na ã¶mO g§~§Yr Am¶ - - - -
276
276
62 nd Annual Report
3. Shri B. Venugopal <; Director – LIC (Nepal) Ltd.

LIC of India LIC (International) B.S.C.(c) Bahrain
State Bank of India
% :;
"N &
4. Shri T.C. Suseel <; Director – Nil
a LIC of India
Sr.
Name Description "$'"
June, 2019
No.
1. ,<!a Chairman LIC of Chairman &(-&<&
India ; &<- &
LIC (Nepal) Ltd
IDBI Bank Ltd.
Director – LIC Housing Finance Ltd.
LIC Pension Fund Ltd.
Shri Hemant <;
2. NIL
Bhargava LIC of India
3. Shri T.C. Suseel <; Director – LIC Pension Fund Ltd.
a LIC of India &(-&<&
LIC (Lanka) Ltd.
&<- &
4 Shri Vipin Anand <; Chairman LIC HFL Care Homes Ltd.
LIC of India cum Director
Director – LIC Card Services Limited
Stock Holding Corporation of India
]

"; '
>{^"
'
^""^
(` `
Associates >
LIC HFL Asset Management
LIC Housing LIC Mutual Personnel
Management
Finance Ltd. Fund AM Ltd.
Co.

"#; # 0 934556.63
- -
<- (0) (726661.50)
1042181.14
,
<- - - -
(778938.42)
175000.00
! ; : \& - - -
(28145)
18567.46
Gain Income - -
(23699.72)
Dividend Income from Investments - - - -
Interest Income on Fixed Deposit - - - -
277
{Zdoe go Am¶ 169041.64 9.89 49.50

-
(178685.44) (4.94) (24.75)
[H$am¶m 631.86 213.92
- -
(476.24) (199.53)
AÝ¶ àemg{ZH$ ì¶¶ H$s 106.36 26.12 166.61
-
à{VnyVu/^yJVmZ (113.90) (23.73) (40.65)
à~§YH$s¶ n[al{‘H$ 337.51
- - -
(190.65)
Hw$b 344779.86 36.01 1995735.26 337.51
(207420.58) (28.67) (1505864.85) (190.65)
(` bmI ‘|)
ghm¶H$ H§$n{Z¶m±
EbAm¶gr EbAm¶gr EbAm¶gr EbAm¶gr EbAm¶gr EbAm¶gr EbAmB©gr Am`Sr~rAm`
noÝeZ \ ÊS> H$mS>© Zonmb {b. ~m§JbmXoe (A§Vaamï´>r¶) (b§H$m){b. qgJmnya ~¢H {b.
g{d©gog {~Eggr(gr)
~harZ
Bp³dQ>r, F$Um| Am¡a å¶wÀ¶wAb 5292.00 1952595.94
- - - - - -
\ ÊS> H r IarX (0) -
å¶wÀ¶wAb \ ÊS> H$s {~H«$s - - - - - - - -
F$Um| Am¡a ~mÊS>m|, H$Om] na 37400

- - - - - - -
CÝ‘moMZ -
{Zdoem| go bm^m§e Am¶ - - - - - -

- -
gmd{Y O‘m na ã¶mO g§~§Yr - - - - - - - -
Am¶
3589.69 82.77 17422.98
{Zdoe ‘o§ Am¶ - - - - -
(3374.64) (16.46) -
dm{f©H$ VH${ZH$s/AmB©Q>r 20.00 239.01
- - - - - -
g‘mYmZ \ rg àmá (20.00) (20.00)
3.43
[H$am¶m - - - - - - -
(2.59)
AÝ¶ àemg{ZH$ ì¶¶ H$s 978.54 3.75

- - - - - -
à{VnyVu/^yJVmZ (849.31) (2.61)
à~§YH$s¶ n[al{‘H$ - - - 0 - - - -
(95.94)
53.95
aIaImd d g_W©Z godm`| - - - - - - -
(0)
978.54 7.18 20.00 0 3882.65 82.77 5292.00 2007418.92
Hw$b (849.31) (5.20) (20.00) (95.94) (3394.64) (16.46) (0) -
(` bmI ‘|)
g§`w³V CnH« _
Ho$ZB§{S>¶m Eí¶moa|g H§$nZr {b. B§{S>¶m BÝ\«m F U {b. #
B{³dQr, F Umo Am¡a å`wMwAb \§ ÊS H r IarX { {
0
å¶wÀ¶wAb \ ÊS> H$s {~H«$s {
(0)
F$Um| Am¡a ~mÊS>m|, H$Om] na CÝ‘moMZ { -
{Zdoem| go bm^m§e Am¶ - -
-
gmd{Y O‘m na ã¶mO g§~§Yr Am¶ -
38.21 0
{Zdoe ‘o§ Am¶ (35.32) (4263.66)
278
278
62 nd Annual Report
169041.64 9.89 49.50

Income from Investment -
(178685.44) (4.94) (24.75)
631.86 213.92
Rent - -
(476.24) (199.53)
Reimbursement / payment towards other 106.36 26.12 166.61
-
"N (113.90) (23.73) (40.65)
337.51
< ! - - -
(190.65)
344779.86 36.01 1995735.26 337.51
TOTAL (207420.58) (28.67) (1505864.85) (190.65)
(` `
Subsidiaries
LIC
LIC LIC
LIC Card LIC Nepal LIC (International) LIC (Lanka) IDBI Bank
Pension Singapore
Services Ltd. ~ "
B.S.C.(c) Ltd. Ltd.
Fund Pte Ltd
~

"#; # 5292.00 1952595.94
- - - - - -
<- (0) -
,
<- - - - - - - - -
! ; : 37400
- - - - - - -
bonds / Loans -
Dividend Income from
- - - - - -
Investments - -
Interest Income on Fixed
- - - - - - - -
Deposit
3589.69 82.77 17422.98
Income from Investment - - - - -
(3374.64) (16.46) -
Annual Technical/ I.T. 20.00 239.01
- - - - - -
Solution fees received (20.00) (20.00)
3.43
Rent - - - - - - -
(2.59)
Reimbursement /
978.54 3.75
payment towards other - - - - - -
(849.31) (2.61)
administrative expenses
0
Software Package e Life - - - - - -
(95.94)
< , 53.95
- - - - - - -
Services (0)
978.54 7.18 20.00 0 3882.65 82.77 5292.00 2007418.92
TOTAL (849.31) (5.20) (20.00) (95.94) (3394.64) (16.46) (0) -
(` `
Joint Venture

\
\ India Infra Debt Ltd. #

"#; # <- { {
0
,
<- {
(0)
! ; : \& { -
Dividend Income from Investments - -
-
Interest Income on Fixed Deposit -
38.21 0
Income from Investment
(35.32) (4263.66)
Annual Technical/ I.T. Soluation fees received 14.64
-
(0)
279
14.64
dm{f©H$ VH${ZH$s/AmB©Q>r g‘mYmZ \ rg àmá -
(0)
-
[H$am¶m -
AÝ¶ àemg{ZH$ ì¶¶ H$s à{VnyVu/^yJVmZ - -

gmâQdoAa nm¡H oO-B© bmB©\ - -
aIaImd d g_W©Z godm`| - -
52.85 0
TOTAL
(35.32) (4263.66)
# 31.03.2019 H mo B§{S`m B§\« m SoQ {b. g§`w³V CnH« _ H r n{a^mfm Ho A§VJ©V Zhr AmVm h¡& d¡go "{Zdoe go Am`' Ho VhV {Xg§~a 2018 VH H r
am{e ` 4334.90 bmI h¡&
9) g§¶w³V gh¶moJr H§$nZr¶m| ‘| ^mJrXmar g§~§Yr 31.3.2019 H$m {dËVr¶ {ddaU (bo.‘m.23)
(` bmI ‘|)
EbAm¶gr hmDqgJ EbAm¶gr EME\Eb EbAm¶gr å¶wÀ¶wAb EbAm¶gr
\m¶ZmÝg {b. EgoQ>‘¡ZoO‘|Q> H§$.{b # \§ S > EgoQ> å¶wÀ¶wAb \§ S >
(boIm n[a[jV) (boIm n[a[jV) ‘¡ZoO‘|Q> {b. Q´>ñQr> H§$.àm.{b
(AboIm n[a[jV) (AboIm n[a[jV)
1. ‘| ñWm{nV ^maV ^maV ^maV ^maV
2. {Z¶§§ÌU H$m [hñgm 40.31% 5.38% 45% 49%
Egmo{gEQg go XrKm©d{Y {Zdoe 98599.11 49.44 495.00 0.49
{Zdoem| H$s bmJV (98599.11) (49.44) (495.00) (0.49)
OmoS>o/(KQ>mE§) A{YJ«hU Ho$ g‘¶ 0.00 0.00 0.00 0.00

gwZm‘/ (nw§OrJV g§M¶) (0.00) (0.00) (0.00) (0.00)
(KQ>mE§) : Egmo{gEQ>g go {dVaU 0.00 0.00 0.00 0.00

(0.00) (0.00) (0.00) (0.00)
OmoS>o/ (KQ>mE§) {ZdoeH$m| Am¡a Egmo{gEQ>g 0.00 0.00 0.00 0.00

Ho$ ~rM hþE boZXoZ Ho$ n[aUm‘ñdn àmßV (0.00) (0.00) (0.00) (0.00)
Z hþAm bm^ (hm{Z$)
OmoS>o/(KQ>mE§) g§M¶r d[a` eo¶am|
na bm^m§e Ho$ g‘m¶moOZ Ho$ níMmV 654224.45 169.16 4683.69 9.38
(572812.76)** (138.88)** (4529.34) (7.55)
Egmo{gEQ> ‘|
bm^/(hm{Z) H$m {hñgm
Hwb 752823.56 218.60 5178.69 9.87
(573798.75)** (188.32)** (5024.34) (8.04)
* H$moð> () {XE JE Am§H$S>o {nN>bo df© H$s am[e Xem©Vr h¡&

# EbAm¶agr hmD$qgJ \mBZ|g {b. H$r Eb AmB© gr EM E\ Eb EgoQ> ‘¡ZoO‘|Q> H§$. {b{_QoS ‘| 94.62% [hñgoXmar h¡&
** {nNbo df© Ho Am§H Smo Hmo dV©_mZ df© Ho gmW VwbZm H aZo Ho {bE {\ a V¡`ma {H `m J`m h¡&
10) g§¶w³V gh¶moJr H§$nZr¶m| ‘| ^mJrXmar g§~§Yr 31.3.2019 H$m {dËVr¶ {ddaU (bo.‘m.21)
EbAm¶gr noÝeZ EbAm¶gr H$mS>© EbAm¶gr (qgJmnya) EbAm¶gr
\ ÊS> {b. g{d©gog {b. nrQ>rB© {b. ~m§JbmXoe
(boIm n[a[jV) (AboIm n[a[jV) (boIm n[a[jV) (boIm n[a[jV)
31.03.2019 H$mo 31.03.2019 H$mo 31.12.2018 H$mo 31.12.2018 H$mo
1. ‘| ñWm{nV ^maV ^maV {g§Jmnwa ~§JbmXoe
2. {Z¶§§ÌU H$m [hñgm 100% 100% 100% 83.33%
280
280
62 nd Annual Report
-
Rent -
Reimbursement /payment towards other administrative expenses - -

Software Package e Life - -
< ,, - -
52.85 0
TOTAL
(35.32) (4263.66)
#

¢ L20L/029(
december 2018 under "income from investment" is ` 4334.90 lakh.
] ] { \\
(` `
LIC Housing LIC HFL Asset LIC Mutual LIC Mutual Fund
Finance Ltd. Management Fund Asset Trustee Company
Company Ltd.# Management Ltd. Pvt. Ltd.
(Audited) (Audited) (Unaudited) (Unaudited)
1. Incorporated in India India India India

2. Proportion of Holding 40.31% 5.38% 45% 49%
Long Term Investment in Associates 98599.11 49.44 495.00 0.49
Cost of Investments (98599.11) (49.44) (495.00) (0.49)
Add/ (Less) 0.00 0.00 0.00 0.00
Goodwill / (Capital Reserve) at the

(0.00) (0.00) (0.00) (0.00)
(Less) : Distribution from 0.00 0.00 0.00 0.00
Associates (0.00) (0.00) (0.00) (0.00)
Add / (Less) 0.00 0.00 0.00 0.00
* \P& Q
from transaction between Investors (0.00) (0.00) (0.00) (0.00)
and Associates.
Add/(Less)
,
\P& Q 654224.45 169.16 4683.69 9.38
Associate after adjustment of (572812.76)** (138.88)** (4529.34) (7.55)
dividend on cumulative
preferential shares
TOTAL 752823.56 218.60 5178.69 9.87
(573798.75)** (188.32)** (5024.34) (8.04)
- ' PQ =
# &( - & 9MH/g&(-& < &
= ' X
] ]~$ { \\
LIC Pension Fund LIC Card Services Life Insurance ~ "

Ltd Ltd. Corporation (Audited)
(Audited) (Unaudited) (Singapore)
Pte Ltd.
(Audited)
As at As at As at As at
31.03.2019 31.03.2019 31.12.2018 31.12.2018
1. Incorporated in India India Singapore Bangladesh
2. Proportion of Holding 100% 100% 100% 83.33%
3. Proportionate amount of
#& %
(` in Lakhs)
281
3. n[agånpËV¶m±, Xo¶VmE§ Am¡a {Zdb bm^

H$s AZwnm{VH$ amer
(` bmI ‘|)
n[agånpËV¶m± 4807 1253 32570 4296
(4530) (778) (20077) (3866)
Xo¶VmE§ 1138 911 23169 32.00
(1000) (564) (14792) (30.00)
H$a níMmV bm^ 140 125 -1374 106
(131) (51) (-945) (52)
4.Hw$b ì¶mnH$ Am¶ { { -1374 -
( -945 ) (- )
5. AmH$pñ‘H$ Xo¶VmAm| ‘| {hñgm 70.00 0 0 0
(70.00) (0) (0) (0)
# #
EbAm¶gr Zonmb EbAm¶gr EbAm¶gr (b§H$m) Am`Sr~rAm` ~¢H

{b. (A§Vaamï´>r¶) {b. (boIm n[a[jV)
(AboIm n[a[jV) {~Eggr(gr) ~harZ (boIm n[a[jV)
(boIm n[a[jV)
15.07.2018 H$mo 31.12.2018 H$mo 31.12.2018 H$mo 31.03.2019 H$mo
1. ‘| ñWm{nV Zonmb ~harZ lrb§H$m ^maV
2. {Z¶§§ÌU H$m [hñgm 55% 98.90% 80% 51%
3. n[agånpËV¶m±, Xo¶VmE§ Am¡a {Zdb bm^

H$s AZwnm{VH$ amer
(` bmI ‘|)
n[agånpËV¶m± 164612 1430689 8389 32111140
(130321) (1384882) (8872) (-)
Xo¶VmE§ 157907 1364833 6982 28266772
(138588) (1274553) (6899) (-)
H$a níMmV bm^ 1448 -25536 -255 -1498676
(1660) (10806) (100) (-)
4.Hw$b ì¶mnH$ Am¶ { -50154 -328 -
{ (19449) (233) -
5. AmH$pñ‘H$ Xo¶VmAm| ‘| {hñgm 110 887 0 -

(96) (14013) (0) -
# # # -
* H$moð> () {XE JE Am§H$S>o {nN>bo df© H$s am[e Xem©Vr h¡.

** n[agån{V¶m| Ed§ Xm{¶Ëdm| Ho$ {bE {dpËV¶ {ddaUm| H$s Vm[aI H$r {d{Z‘¶ Xam| H$mo {b¶m J¶m h¡, Am¡a Am¶ Ed§ ì¶¶ Ho$ {bE df© H$m Am¡gV
{b¶m J¶m h¡.
# boIm| H$mo ñWmZr¶ {~‘m {d{Y¶m| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡.
11) g§¶w³V CÚ‘m| ‘| ^mJrXmar g§~§Yr 31.3.2019 H$m {dËVr¶ {ddaU (bo.‘m.27)…
Ho$ZB§{S>¶m Eí¶moaoÝg H§$. gmD$Xr B§{S>¶Z H§$nZr B§{S>¶m BÝ\«mS>oãQ> {b.
{b. \ °ma H$mo. Am°nao{Q>d
(AboIm n[a[jV) BÝí¶yaoÝg
31.12.2018 H$mo 31.12.2018 H$mo @ 31.03.2019 H$mo
1. ‘| ñWm{nV Ho$Z¶m gmD$Xr ^maV
2. {Z¶§§ÌU H$m [hñgm 10.21% 4.98% 10%
282
282
62 nd Annual Report
Assets 4807 1253 32570 4296

(4530) (778) (20077) (3866)
Liabilities 1138 911 23169 32.00
(1000) (564) (14792) (30.00)
\P& Q
N 140 125 -1374 106
(131) (51) (-945) (52)
4.Total Comprehensive Income { { -1374 -
( -945 ) (- )
5. Share in contingent liabilities 70.00 0 0 0
(70.00) (0) (0) (0)
# #
LIC (Nepal) LIC (Intl), B.S.C (c), LIC (Lanka) Ltd. IDBI Bank
Ltd. ~ (Audited) (Audited)
(Unaudited) (Audited)
As at As at As at As at
15.07.2018 31.12.2018 31.12.2018 31.03.2019
1. Incorporated in Nepal Bahrain Sri Lanka India
2. Proportion of Holding 55% 98.90% 80% 51%
3. Proportionate amount of
#& %
(` in Lakhs)
Assets 164612 1430689 8389 32111140
(130321) (1384882) (8872) (-)
Liabilities 157907 1364833 6982 28266772
(138588) (1274553) (6899) (-)
\P& Q
N 1448 -25536 -255 -1498676
(1660) (10806) (100) (-)
4.Total Comprehensive Income { -50154 -328 -
{ (19449) (233) -
5. Share in contingent liabilities 110 887 0 -

(96) (14013) (0) -
# # # -
- ' PQ =
"N

: :

: N
# The Accounts have been prepared as per local insurance laws.
] ]{ \\

SAUDI INDIAN INDIA INFRADEBT LTD.
Co. Ltd. COMPANY FOR
(Unaudited) {
INSURANCE
As at As at As at
31.12.2018 31.12.2018 @ 31.03.2019 ##
1. Incorporated in a Saudi India
2. Proportion of Holding company 10.21% 4.98% 10%
3. Proportionate Amount of Assets, Liabilities,
"N
(` in Lakhs)
283
3. n[agånpËV¶m±, Xo¶VmE§ Am¡a {Zdb bm^ H$s

AZwnm{VH$ amer
(` bmI ‘|)
n[agånpËV¶m± 32408.81 - -
(26804.85) (4885.45) (83166.92)
Xo¶VmE§ 29412.21 - -
(24326.53) (4176.62) (73753.62)
Am¶ 5785.92 - -
(5396.11) (3657.37) (6622.98)
ì¶¶ 5502.26 - -
(4965.69) (3936.88) (5298.18)
4. AmH$pñ‘H$ Xo¶VmAm| ‘| {hñgm 1773.54 - -
(1366.51) (0.00) (0.00)
# #
* H$moð> () {XE JE Am§H$S>o {nN>bo df© H$s am[e Xem©Vr h¡.
** n[agån{V¶m| Ed§ Xm{¶Ëdm| Ho$ {bE {dpËV¶ {ddaUm| H$s Vm[aI H$r {d{Z‘¶ Xam| H$mo {b¶m J¶m h¡, Am¡a Am¶ Ed§ ì¶¶ Ho$ {bE df© H$m Am¡gV
{b¶m J¶m h¡.
# boIm| H$mo ñWmZr¶ {~‘m {d{Y¶m| Ho$ AZwgma V¡¶ma {H$¶m J¶m h¡.
@ gmD Xr B{S`Z H§ nZr \ m°a H mo. Am°n. BÝí`wa|g Ho 31.12.2018 Ho ImVo CnbãY Zht h¡&
## B{S`m BÝ\« m SoãQ {b. 31.03.2019 H mo g§`w³V CnH« _ H r n{a^mfm Ho A§VJ©V Zhr AmVr h¡&
12) ñWm¶r n[agånpËV na à^m{dV ‘yë¶hmg H$s Xa :

H«$.g§ gån[V ‘yë¶hmg H$s Xa
H$ \{Z©Ma Ed§ [\ qQ>½g
1 \ {Z©Ma Ed§ [\ qQ>½g 10%
2 ao[\« OaoQ>a Ed§ Ob erVH$, AÝ¶ 13.91%
3 {H$amE Ho$ ^dZm| ‘| {dÚwVCnH$aU/N>V n§Io 10%
4 {H$amE na/ {ZOr ^dZm| ‘| n§Io (Q>o~b/noS>oñQ>b) 10%
I gwMZm àmoÚmo{JH$s H$s CnñH$a
1 Bbo³Q´>m°{ZH$ g§JUH$/‘m¶H«$mo àmogoga/qàQ>a 30%
2 ‘m¶H«$mo àmogoga Ho$ {bE gm°\ Q>doAa 30%
3 H$mQ>}O Q>oßg VWm H$mQ>}O {S>ñH$g 30%
J dmhZ
1 gmB©H$b 15%
2 ‘mo~mB©b àMma dmhZ 20%
3 ñQ>m\ H$ma 20%
4 Orn 20%
5 H$m¶m©b¶ H$ma - ¶moOZm VI 20%
K H$m¶m©b¶ CnñH$a
1 H¡$ÝQ>rZ CnñH$a 10%
2 boIm ‘erZ 30%
3 ES´>ogmoJ«m\/ES´>o‘m VWm ~«S>‘m ‘erZ§o 10%
4 Q>§H$Z ‘erZ§o 10%
5 Sw>[ßbHo$Q>g© 20%
6 MoH$ {bIZodmbm 10%
7 \«±qH$J ‘erZ 10%
284
284
62 nd Annual Report
Assets 32408.81 - -
(26804.85) (4885.45) (83166.92)
Liabilities 29412.21 - -
(24326.53) (4176.62) (73753.62)
Income 5785.92 - -
(5396.11) (3657.37) (6622.98)
"N 5502.26 - -
(4965.69) (3936.88) (5298.18)
4. Share in contingent liabilities 1773.54 - -
(1366.51) (0.00) (0.00)
# #
- ' PQ =
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# The Accounts have been prepared as per local insurance laws.
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Sr.
Asset Rate of Depreciation
No.
A -
1 - 10%
2 Refrigerators and water coolers, etc. 13.91%
3 "
rented premises 10%
4 Fans (table/pedestal) in rented/ owned premises 10%
B
"
1 " \ Printers 30%
2 Software for microprocessors 30%
3 Cartridge tapes, cartridge discs 30%
C Vehicles
1 Cycles 15%
2 < @ 20%
3 ,I 20%
4 ? 20%
5 BJ 4, @ 20%
D BJ "
1 " 10%
2 Accounting machines 30%
3 Addressograph, Adrema and Bradma < # 10%
4 Typewriters 10%
5 Duplicators 20%
6 A 10%
7 Franking machines 10%
8 A < 10%
9 Comptometers, adding and calculating < 20%
" Others
285
8 Vwbm ‘erZ 10%

9 H$m°ånQ>mo‘rQ>g©, OmoS> VWm n[aH$bZ ¶§Ì 20%
S>… AÝ¶
1 Xÿa^mf 10%
2 \¡³g/BnrE~rE³g 10%
3 ‘mo~mB©b \moÝg VWm AÝ¶ g§MmaU CnñH$a 30%
4 nwñVH$mb¶ H$r nwñVHo$ 20%
5 {d{dY ny§Or CnñH$a 10%
6 ÑH$ lmì¶ VWm AÝ¶ g§~§{YV CnñH$a 30%
7 {ZAm°Z {MÝh, CXrpßX {MÝh, {dkmnZ nQ> Ed§ AÝ¶ àMma gm‘J«r 20%
8 A{^¶m{ÌH$s {d^mJ CnñH$a ` 5000/- go Á¶mXm Ho$ 12.50%
9 dm°ëQ>oO ñQ>o~rbmBOa VWm ¶ynrEg 30%
10 {H$amE na ^dZm| ‘| OZaoQ>g© S>rOr goQ>g² 30%
M ^y{‘ Ed§ ^dZ
1 J¥h gånpËV Ed§ ^y{‘ (~§YZ ‘w³V) 2%
2 J¥h gånpËV Ed§ ^y{‘ (~§YH$) nÅm An{Y AmYm[aV ¶WmZwnmV
3 gaH$mar g§ñWm ‘| I[aXo JE ñdm{‘Ëd dmbo {Zdmg I§S> 2%
4 J¥h gånpËV Ed§ ^y{‘ (~§YZ ‘w³V Ed§ ~§YH$) ‘| {dÚwV g§ñWmnZ, n§Io, 10%
{bßQ> Ed§ OZaoQ>a
13) àmdYmZmo H$s J{V :
(` bmI ‘|)
1 àñVm{nV bm^m§e Ho$ {bE (5% ‘yë¶Z A{Yeof)
àma§{^H$ eof 225242.26 220033.36
df© Ho$ Xm¡amZ ¶moJ 266059.54 225242.26
^maV gaH$ma H$mo Xr JB© am{e 225242.26 220033.36
B{V eof 266059.54 225242.26
2 emoYj‘Vm gr‘m Ho$ {bE Amdí¶H$ àmdYmZ

àma§{^H$ eof 1494305.60 1494305.60
df© Ho$ Xm¡amZ ¶moJ 0.00 0.00
df© Ho$ Xm¡amZ H$Q>m¡{V¶m± 0.00 0.00
B{V eof 1494305.60 1494305.60
14) à~§YZ H m ì`` : :
à~§YZ H m ì`` AmB©AmaSrEAmB© Ho {d{Z`_Z 2016 (OrdZ ~r_m ì`dgm` _o§ OwQo hwE ~r_mH Vm© Ho à~§YZ H m ì``) Ho AZwgma VrZ I§Smo§ H mo
Nmo‹SH a h¡& hmbm§{H Hw b {_bmH a à~§YZ Ho dmñV{dH ì`` g^r I§Smo§ Ho {bE ñdrH m`© Hw b ì`` H r gr_m Ho ^rVa h¢&
15) I§Sr` ~¡bo§g erQ H r àñVw{V na àH QrH aU:
EbAmB©gr A{Y{Z`_, 1956 H r Ymam 24 Ho AZwgma, {ZJ_ EH {Z{Y aIVm h¡ Am¡a {ZJ_ H r g^r agrXo§ dhm§ na O_m H a Xr OmVr h¡, {Og_o§
g^r ^wJVmZ {H E OmVo h¢& & VX Zwgma ~r_m§{H H _yë`m§H Z go CËnÞ hmoZo dmbo A{Yeof H m g__yë` H mamo~ma _o§ Iwbmgm {H `m OmEJm& amOñd
286
286
62 nd Annual Report
1 Telephones 10%
2 -N\"N 10%
3 < 30%
4 Library Books 20%
5 < " 10%
6 @ : 30%
7 Neon signs, Glow signs, Hoardings and other publicity materials 20%
8 " ; Z costing over `. 5000/- 12.50%
9 Voltage stabilizers and UPS 30%
10 Generators, DG sets in rented premises 30%
F LAND AND BUILDING
1 House Property and Land (Freehold) 2%
2 House Property and Land (Leasehold) Pro rata based on lease period
3 Ownership Flats purchased in Co-op Societies 2%
4 " #
#
generators in House
10%
P- :& Q
13) Movement of Provisions:
(` `
1 For Proposed Dividend
(5% Valuation Surplus)
Opening Balance 225242.26 220033.36
Addition during the year 266059.54 225242.26
Amount paid to Government of India 225242.26 220033.36
Closing Balance 266059.54 225242.26
2 Provision for reserve for solvency margin

Opening Balance 1494305.60 1494305.60
Addition during the year 0.00 0.00
Deduction during the year 0.00 0.00
Closing Balance 1494305.60 1494305.60
14) Expenses of Management:

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insurance business) Regulation 2016 except in three segments. However on an overall basis the actual expenses of management
are within the limit of aggregate expenses allowable for all the segments.
15) $" ' ; "~"
As per section 24 of LIC Act, 1956, the corporation maintains a single fund and all receipts of the corporation are credited thereto and
all payments are made therefrom. Accordingly surplus arising from Actuarial valuation will be disclosed in par business. The revenue
account is prepared on segmental on basis and is a part of annual returns. The policy holders fund is disclosed on segmental basis
in the statement of controlled funds.
] !
287
ImVm I§Sr` AmYma na V¡`ma {H `m OmVm h¡ Am¡a `h dm{f©H {aQZ© H m EH {hñgm hmoVm h¡& nm°{bgr YmaH mo§ Ho \§ S H m Iwbmgm goJ_o§Q Ho AmYma
na {Z`§{ÌV \§ Smo§ Ho ñQo Q _o§Q _o§ {H `m OmVm h¡&
16) {dXoer ‘wÐm ^§S>ma:
\ rOr, ‘m°[aeg Am¡a ¶y. Ho$. ‘oo MbmE JE àMmbZ J¡a g‘mH$b ñdê$n Ho$ h¡. amOñd boIo H$s ‘Xo| Am¡gV {d{Z‘¶ Xa na VwbZ-nÌ ‘| ê$nm§V[aV H$s
OmVr h¡. nwZ‘y©ë¶m§H$Z {d{Z‘¶ H$m A§Va df© 2010-11 VH$ amOñd boIo ‘| à^m{aV {H$¶m J¶m Wm, A~ ¶o AZwgyMr 6-H$… ~r‘m Ama{jV YZamer
(nm°{bgrYmaH$) Am¡a AZwgyMr 6 … Ama{jV Am¡a A{Yeof (eo¶aYmaH$) Ho$ A§VJ©V {dXoer {d{Z‘¶ ^§S>ma ‘| g§{MV h¡.
17) gyú‘, bKw Ed§ ‘Ü¶‘ loUr Ho$ CÚ‘ {dH$mg A{Y{Z¶‘ 2006:
à~§YZ Ho$ nmg CnbãY gyMZm Ho$ AZwgma gyú‘, bKw Ed§ ‘Ü¶‘ loUr Ho$ CÚ‘ {dH$mg A{Y{Z¶‘, 2006 Ho$ A§ÝVJ©V {d{^ÝZ Amny{V©H$Vm©Am| Ûmam
Xr JB© gyMZm Ho$ AmYma na Bg A{Y{Z¶‘ Ûmam em{gV gyú‘, bKy Ed§ ‘Ü¶‘ CÚmoJm| H$mo {ZJ‘ go {ZåZ amer ~H$m¶m Wr :
(` bmI ‘|)
H«$.g§. {ddaU 31 ‘mM©, 2019 H$mo 31 ‘mM©, 2018 H$mo
1 gyú‘, bKy Ed§ ‘Ü¶‘ CÚ‘ H$mo AàXËV ~Mr ‘ybYZ H$s YZamer 9.55 4.13
2 Cna 1 Ho AZwgma AàXËV nS>r ‘ybYZ H$s YZamerna Cn{MV ã¶mO eyÝ¶ eyÝ¶
3 godmAm| H$s gwnwX©Jr/H$s VmarI go 15 {XZ ¶m gh‘V g‘¶ Ho$ níMmV df© go Xm¡amZ ‘ybYZ 1.62 1.95
H$s YZam{e Ho$ ^yJVmZ na ^yJVmZ H$s JB© ã¶mO H$s YZam{e
4 df© Ho$ Xm¡amZ ‘ybYZ na Xo¶ na Xo¶ na§Vw A^r VH$ ^wJVmZ {H$¶m J¶m ã¶mO eyÝ¶ eyÝ¶
5 AmJm‘r dfm] ‘| ^r Xo¶ Am¡a ^wJVmZ¶mo½¶ AJbo ã¶mO H$s YZam[e, Cg VmarI VH$ O~ eyÝ¶ eyÝ¶
H$mQ>o OmZo ¶mo½¶ IM} H$s AZw‘{V Z XoZo H$s CÔoí¶ Ho$ {bE Cn¶w©³V Xo¶ ã¶mO H$m bKw CÚ‘
H$mo dmñVd ‘| ^wJVmZ Z H$a {X¶m OmE.
18) AD$Q>gmog© ì¶¶, ì¶dgm¶ {dH$mg Ed§ {dnUZ ghm¶Vm
(` bmI ‘|)
AD$Q>gmog© ì¶¶ 26562.08 24213.07
ì¶dgm¶ {dH$mg 159692.67 129935.93
{dnUZ ghm¶Vm 59290.73 56467.04
19) {d{dY gaH$mar g§ñWmAm| Ûmam {bE J¶o XmpÊS>H$ H$m¶©dmhr …
am{e (` bmI ‘|)
H«$. g§. g§ñWm J¡a AZwnmbZ/
Cëb§KZ XÊS> gå‘m{ZV XÊS> àXËV XÊS> A{YË¶mJ
KQ>m¶m J¶m
288
288
62 nd Annual Report
B -¢#< *a

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Sch 6 : Reserve and surplus (shareholders).
17) @;""

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According to information available with the management, on the basis of intimation received from suppliers, regarding their status
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Sr. Particulars @ @

No. 2019 2018
1 <# : 9.55 4.13
2 Interest accrued on principal amount remaining unpaid as per 1 above. Nil Nil
3 Amount of interest paid during the year along with the payment of principal 1.62 1.95
amount made beyond 15 days or agreed time from the date of delivery /
rendering of services.
4 Interest due but yet to be paid on principal during the year. Nil Nil
5 Amount of further interest remaining due and payable even in the succeeding Nil Nil
years, until such date when the interest dues as above are actually paid to the
small enterprise, for the purpose of disallowance as deductible expenditure.
18) Outsourcing Expenses, Business Development and Marketing Support:
(` `
Particular Current Year Previous Year

B "N 26562.08 24213.07
Business Development 159692.67 129935.93
<' , 59290.73 56467.04
" ` > ;
{ Amount (` `

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Penalty Paid Penalty
Sl No. > Compliance/
Waived/
Violation
Reduced
1 Insurance Regulatory and Development 0 0 0
Authority as per table
2 Service Tax Authorities given below 5.16 5.16 0
3 Income Tax Authorities 18.52 18.52 0
4 Any other Tax Authorities 0.49 0.49 0
5 "
; \¢\ 0 0 0
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6 Registrar of Companies/ NCLT/CLB/ Department 0 0 0

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Companies Act, 1956
7 Penalty awarded by any Court/ Tribunal for any 13.64 13.64 0
matter including claim settlement but excluding
compensation
8 , "N +
0 0 0
9 Competition Commission of India 0 0 0
10 Any other Central/State/Local Government / 2.16 2.16 0
Statutory Authority
Total 39.97 39.97 0
Details of non compliance/Violation:
289
1 ~r‘m {d{Z¶m‘H$ Ed§ àm{YH$aU 0 0 0

2 godm H$a àm{YH$aU {ZMo Xr JB© Vm{bH$m 5.16 5.16 0
3 Am¶H$a àm{YH$aU Ho$ AZwgma 18.52 18.52 0
4 AÝ¶ H$a àm{YH$aU 0.49 0.49 0
5 àdV©Z {ZXoemb¶/{ZUm©¶H$ àm{YH$aU/Ý¶m¶m{YH$aU Am¡a 0 0 0
\o‘m Ho$ A§VJ©V H$moB© ^r àm{YH$aU
6 H§$nZr a{OñQ´>ma/EZgrEbQ>r/grEb~r/{ZJ{‘V H$m¶© {d^mJ 0 0 0
Am¡a H§$nZr E³Q>, 1956 Ho$ A§VJ©V AÝ¶ àm[YH$aU
7 {H$gr Ý¶m¶mb¶/Ý¶m¶m{YH$aU Ûmam {H$gr ^r {df¶ Xmdm 13.64 13.64 0
^wJVmZ j{Vny{V© H$mo N>moS>H$a {X¶m J¶m XÊS>
8 {g³¶w[aQ>r EÊS> E³gM|O ~moS>© Am°\ B§{S>¶m 0 0 0
9 H$pånQ>reZ H$‘reZ Am°\ B§{S>¶m 0 0 0
10 AÝ¶ H|${Ð¶/amÁ¶/ñWmZr¶/gaH$mar/g§{d{YH$ àm{YH$aU 2.16 2.16 0
Hw$b 39.97 39.97 0
J¡a AZwnmbZ/Cëb§KZ H$m {ddaU:
{aQZ© \ mB{b§J Ed§ H$amYmZ O_m H$aZo _o§ Xoar 18.52
noeoda H$a Ho$ Xoa go n«ofU 0.49
~r_mYmaH$mo§ Ho$ nj _o§ AXmbV Ûmam {X`m J`m Ow_m©Zm 13.64
~r_mYmaH$ _m_bo Ho$ Abmdm gaH$mar n«m{YH$aU Ûmam {X`m J`m Ow_m©Zm 2.16
godm H$a n«m{YH$aU 5.16

Hw$b 39.97
20) \« r -byH$ Ad{Y Ho$ {bE àmdYmZ:

31.03.2019 H$mo \« r -byH$ Ad{Y Ho$ {bE àmdYmZ,‘mh Aà¡b, 2019 Ho$ dmñV{dH$ {à{‘¶‘ dmngr Ho$ AmYma na {H$¶m J¶m h¡. ¶h àmdYmZ ¶h
‘mZVo hþE {H$¶m J¶m h¡ H$s ‘mh Aà¡b 2019 ‘| Omo g‘ñV àr{‘¶‘ dmngr H$m ^wJVmZ {H$¶m J¶m h¡ dh CZ nm°{b{g¶m| go g§å~pÝYV h¡ Omo {H$ 31
‘mM©, 2019 ¶m Cggo nhbo nyU© hþB© h¡&
21) gm§{d{YH$ boIm n[ajH$mo§ H$mo {X¶m J¶m A{V[a³V H$m‘:
(` bmI ‘|)
boIm n[ajH$mo§ Ho$ Zm‘ àXmZ H$s JB© godmE§ 31 ‘mM©, 2019 H$mo 31 ‘mM©, 2018 H$mo
_¡. I>ÝS>obdmb O¡Z EÊS> H§$. à‘mUZ H$m¶© 2.34 2.09
(Cna Xem©ò A§mH$μμ‹So godm H$a/OrEgQr H$mo Nmo‹S H$a h¡§)

22) ^maVr¶ boIm ‘mZH$ Ho$ {H$«¶mÝd¶Z H$s àJ{V :
H° manmoaoQ _m_bm| Ho _Ímmb` (E_ grE) Ûmam {Xò Jò ewédmVr amoS _¡n Ho AZwgma, ~r_m H§$n{Z`mo H mo Aàob 2018 Ind-AS bmJw H aZm Amdí`H
Wm& AmB© E\ Ama Eg 4: BÝí`moaoÝg H° mÝQ´³Qg (^maV _| BgHo g_H j Ind-AS 104 Ho én _|) H mo EH A§V{a_ _mZH Ho én _| bm`m J`m Wm& AmB©
E\ Ama Eg 17: ~r_m g§{dXm (BÝí`moaoÝg H° mÝQ´³Qg), H r {abrO Ho gmW, ^maVr` ~r_m {Z`m_H Ed§ {dH mg àm{YH aU (AmB© Ama Sr E AmB©) Zo
OwZ 2017 _| AmB© E\ Ama Eg H r {ñW{V H r g_rjm H r Amoa 2 gmb H r Ad{Y VH Ind-AS Ho H m`m©Ýd`Z H mo ñW{JV H a {X`m E_ gr.E. Ûmam
~s_m AZw~§Ymo na _mZH (Ind-AS - 117) H mo A^r VH A{Ygw{MV Zhr {H `m J`m h¡&
Bg ~rM, A§Vam{ï´ ` boIm _mZH ~moS© (IASB) AmB© E\ Ama Eg 17 _| gXñ`m| Ûmam gwPmE Jò g§^m{dV g§gmoYZm| na {dMma H a ahm h¡& IASB H mo
290
290
62 nd Annual Report
; :

N 18.52
Late remittance of professional tax 0.49
Penalty awarded by Court in favour of policyholders 13.64
Penalty awarded by Govt. Authority other than the policyholder 2.16
matters.
Service Tax Authority 5.16
Total 39.97
{"`'

Provision for free-look period as at 31.03.2019 has been made on the basis of actual premium refunded during April, 2019. The
provision is made with an assumption that all refund of premium during the month of April, 2019 pertained to the policies completed

L2 <#/029

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Name of the Auditors Services rendered <L2#/029 <L2#/023

<\ a ?: A' 2.34 2.09
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22) Progress of implementation of Ind AS:
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the position and deferred the implementation of Ind AS by a period of 2 years. Standard on Insurance Contracts (Ind AS 117) is yet
<
In the meanwhile, The International Accounting Standard Board (IASB) is considering possible amendments in IFRS 17 which have been
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the standard. The Board will follow its normal process before notifying the standard, which includes a public consultation.
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appointment of consultant in order to implement the new standards. They advised that the consultant should have in-depth knowledge

¢ I
of work and terms of reference for the consultant will be drafted in consultation with the respective departments and placed before
the committee for its approval.
23) Security under debentures/ loans, amounting to ` 3005.83 crore executed partially and is under due process.
24) A

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Cå_rX h¢ H r AmB© E\$ Ama Eg 17 Ho {bE àñVm{dV g§emoYZm| H m E³gnmoOa S´âQ OwZ 2019 Ho A§V VH Omar H a {X`m OmòJm&
_mZH H mo AqV_ é_ XoZo go nhbo ICAI Ho boIm _mZH ~moS© Ûmam Ind-AS na Cn`w³V g§emoYZ/ñnîQrH aU na {dMma {H `m OmòJm& ~moS© _mZH Hmo
A{Ygw{MV H aZo go nhbo AnZr gm_mÝ` à{H« `m H m nmbZ H aoJm, {Og_| gmd©O{ZH nam_e© H r em{_b h¡&
Ind-AS H m`m©ÝdZ Ho {bE Am§V{aH g{_{V H r ~¡RH 23 _B© 2019 H mo Am`mo{OV H r JB© Wr& g{_{V Ho gXñ`m| Zo Zò _mZH m| H mo bmJw H aZo Ho {bE
gbmhH ma H r {Z`w{³V H r {g\mm{ae H r/CÝhmoZo `h ^r gdmh Xr h¡ {H gbmhH ma H mo Bg n{a`moOZm H mo à^mdr T§J go H m`m©{ÝdV H aZo Ho {bE ~r_m
boIm§H Z Ho gmW gmW ~r_m§H Z à^mdm| H m JhZ kmZ hmoZm Mm{hò& O¡gm {H g{_{V Ûmam gbmh Xr JB© h¡& gbmhH ma Ho {bE H m`© joÍm g§X^© H r eVm}
H m àmén g§~§{Y {d^mJm| Ho nam_e© go V¡`ma {H `m OmòJm Am¡a g{_{V Ho g_j BgHo AZw_moXZ Ho {bE aIm OmEJm&
23) F$UnÍm/F$U Ho$ VhV gwajm am{e ` 3005.83 H$amoS H$r Am§{eH$ êŸn go {Zînm{XV H$r JB© h¡§ Ed§ CgH$r C{MV n«{H«$`m Mb ahr h¡&
24) {ZJ_ Ho$ H$_©Mm{a`mo§ H$m doVZ g§emoYZ ha nm§M dfmoª _o§ {H$`m OmVm h¡ Am¡a dV©_mZ doVZ g§emoYZ 1 AJñV 2017 go Xo` hmo J`m h¡& BgHo$ {bE A§{V_
{ZU©` b§{~V h¡, BgH$m n«mdYmZ AZw_m{ZV AmYma na {H$`m J`m h¡&
25) 31.03.2019 H mo g_mßV hmoZo dmbo df© Ho {bE aonmo/{adg© aonmo ì`dhma
df© Ho Xm¡amZ df© Ho Xm¡amZ df© Ho Xm¡amZ X¡{ZH 31.03.2019 H mo
ÝnwZV_ ~H m`m A{YH V_ ~H m`m Am¡gV ~H m`m ~H m`m
!"BHo VhV ~oMr JB© à{V^w{V
1. gaH mar à{V^w{V`m± ewÝ` ewÝ` ewÝ` ewÝ`
2. H mnm}aoQ F U à{V^w{V`m
à{V^w{V`m| H mo àË`mdm{V©V aonmo Ho VhV IarXm J`m ewÝ` 7,999.91 H amoS 104.54 H amoS ewÝ`
1. gaH mar à{V^w{V`m±*
2. H mnm}aoQ F U à{V^w{V`m ewÝ` ewÝ` ewÝ` ewÝ`
* am{e grgrAmB© Eb Ho gr Ama Amo E_ Eg ßboQ\ m_© _| {H ò Jò aonmo (CYma) boZXoZ H mo {adg© H aZo go g§~§{YV h¡&
' "
Mmbw df© Ho dJuH aU Hr nw{ï H aZo Ho {bò {nNbo df© Ho AmH Sm| Hmo Ohm§ H hr Amdí`H hmo, nwZ: g_whrH¥ V {H `m J`m h¡ nwZ: g_whZ {Zå_mZwgma h¡&
g. am{e
H« . nwZ: g_whrH¥ V H aZo Ho {bE nwZ: g_whrH¥ V go (` bmI) H maU
1.
AZwgwMr-13 AZwgwMr-13
nm°{bgrYmaH m| H r ~oXmdm am{e na AmB© Ama Sr E AmB© Ho
bmBZ AmBQ_: ~oXmdm am{e na bmBZ AmBQ_: ~H m`m ~oXmdm
92056.34 _mñQa gHwba Ho ßdmB§Q Z§.7 Ho AZwgma AbJ bmBZ _X
A{O©V ã`mO am{e/O_m
(AmBQ_) Ho é_ _| {XImB© JB© ~oXmdm {ZYr na Am` h¡&
27) {ZJ_ Ho IÊSdma n{agån{ËV`m| VWm Xm{`Ëdm| H r OmZH mar `Wm g§^d àmßV H r h¡&
28) {dËVr` {ddaUm| _| H moðH ( ) _| {Xò JE Am§H So F UmË_H eof ~VmVo h¡&
29) Ohm± H hr Amdí`H hmo {nNbo df© Ho Am§H Sm| H mo Bg df© Ho Am§H Sm| go VwbZm Ho {bò {\ a go nwZ©JRrV {H `m J`m h¡&
292
292
62 nd Annual Report
Minimum Maximum Daily average

Outstanding as
outstanding outstanding during outstanding
on 31.03.2019

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>
, !"B
1. Government Securities NIL NIL NIL NIL
2. Corporate Debt securities
Securities Purchased under reversed Repo
NIL 7,999.91 Crore 104.54 Crore NIL
1. Government Securities*
2. Corporate Debt securities NIL NIL NIL NIL
P Q &= !B<,

' "
-
4 # =

regrouping are as follows
S r. Amount
Regrouped to Regrouped from Reason
No. (ìn Lakhs)
1.
Schedule No. 13 Schedule No. 13
Income on unclaimed fund shown as Separate Line
Line item: Interest Accured Line item: Outstanding
92056.34 Item as per Point No. 7 of IRDAI master circular on
on Unclaimed amounts unclaimed amounts/deposits
unclaimed amounts of policy holders.
27) Segment wise assets and liabilities have been ascertained by the Corporation to the extent possible
28) - ' PQ
29) = \ ' comparable with those of the Current Year.
293
{dÎmr¶ {ddaUm| H$m gmam§e

Summary of Financial Statements
n[a{eîQ>-I
Annexure I
(` bmIm| ‘|)
(` in Lakhs)
H«$.g§. {ddaU
2018-19 2017-18 2016-17 2015-16 2014-15
Sl.No. Particulars
nm°{bgrYmaH$m| H$m ImVm
POLICYHOLDERS' A/C
1 gH$b àr{‘¶‘ Am¶
Gross Premium Income 33750507.11 31822320.56 30048735.98 26644420.56 23966765.14
2 ewÜX àr{‘¶‘ Am¶ ^
Net Premium Income ^ 33718539.65 31785098.87 30019668.40 26622538.36 23948277.17
3 {Zdmgm| go Am¶ (ewÜX)@
Income from Investments (Net) @ 22275773.53 20495899.68 19182291.42 15699685.80 16778605.66
4 AÝ¶ Am¶
Other Income 84126.20 80112.77 60699.70 96444.04 27752.76
5 Hw$b Am¶
Total Income 56078439.38 52361111.32 49262659.52 42418668.20 40754635.59
6 H$‘reZ
Commissions 1931119.38 1822681.87 1659006.66 1547716.58 1509209.66
7 Xbmbr
Brokerage 0.00 0.00 0.00 0.00 0.00
8 ~r‘m ì¶dgm¶ go g§~§{YV àMmbZ ì¶¶
Operating Expenses related
insurance business 2918201.68 3014239.54 2894465.65 2269276.57 2239269.56
9 H$amYmZ Am¡a Xÿgam| Ho$ {bE àmdYmZ
Provision for Taxation and Others 1485325.13 1401518.94 1109005.55 664411.33 506303.98
10 Hw$b Am¶
Total Expenses 6334646.19 6238440.35 5662477.86 4481404.48 4254783.20
11 nm°{bgrYmaH$m| H$mo ^wJVmZ *
Payment to policyholders * 25093623.15 19811983.14 16762427.46 14344516.89 14602550.23
12 ~r‘m§H$Z Xo¶Vm ‘| d¥pÜX
Increase in actuarial liability 25315338.64 27027711.55 26464849.72 24454329.52 22488559.78
13 g§~ÜX Xm{`Ëdm| Ho {bò gmdYmZ
Provision for Linked Liabilities -931228.14 -959205.98 152871.12 -1111286.17 -771562.81
14 A{Yeof/KmQ>m àMmbZ go
'"$;' 266059.54 242182.26 220033.36 249703.48 180305.19
eoAaYmaH$m| H$m ImVm
SHAREHOLDERS' A/C
15 eoAaYmaH$m| Ho$ ImVo Ho$ A§VJ©V Hw$b Am¶
Total income under shareholders'
account 270390.40 245981.33 224855.96 252886.42 183558.78
16 eoAaYmaH$m| Ho$ ImVo Ho$ A§VJ©V Hw$b IM©
Total Expenses under Shareholder’s
Account 42.06 39.77 19.69 0.12 112.88
17 H$a nyd© bm^/hm{Z
\P Q
N 270348.34 245941.56 224836.27 252886.30 183445.90
18 H$a Ho$ {bE àmdYmZ
Provisions for tax 1498.68 1301.02 1662.19 1101.51 1067.53
19 H$a níMmV bm^/hm{Z
"! 268849.66 244640.54 223174.08 251784.79 182378.37
294
294
62 nd Annual Report
n[a{eîQ>-I
Annexure I
(` bmIm| ‘|)
(` in Lakhs)
H«$.g§. {ddaU
2018-19 2017-18 2016-17 2015-16 2014-15
Sl.No. Particulars
20 VwbZ-nÌ H$mo AJ«o{fV bm^/hm{Z
\ + ,
{d{dY
MISCELLANEOUS
21 (H$) nm°{bgrYmaH$m| H$m ImVm…
(A) Policyholders' account
Hw$b {Z{Y
Total funds 305488219.49 279091639.39 252844588.20 217003453.37 199128955.32
Hw$b {Zdoe
Total Investments 293265282.57 270557972.06 244221448.66 207423355.87 188664051.63
{Zdoe na % àmpßV #
Yield on investments % # 7.59 7.71 7.78 8.11 8.22
(I) eoAaYmaH$m| H$m ImVm…
(B) Shareholders' account:
Hw$b {Z{Y
Total funds 67868.36 65037.25 60645.28 58294.29 56254.42
Hw$b {Zdoe
Total Investments 63661.93 58579.75 57397.52 51308.57 50620.49
*{Zdoe na % àmpßV #
*Yield on investments % # 6.01 5.90 6.29 5.85 6.23
22 *Hw$b {Zdoe na % àmpßV #
*Yield on total investments % # 7.59 7.71 7.78 8.11 8.22
23 àXÎm B³drQ>r ny±Or
Paid up equity capital 10000.00 10000.00 10000.00 10000.00 10000.00
24 ewÜX ‘yë¶
Net worth 67868.36 65037.25 60645.28 58294.29 56254.42
25 Hw$b n[agån{Îm¶m±
Total Assets 311184727.79 284504182.01 257202833.64 221037864.90 203111608.39
26 à{V eoAa AO©Z
Earnings per share N.A. N.A N.A. N.A. N.A.
27 à{V eoAa ~hr ‘yë¶
Book value per share N.A. N.A. N.A. N.A. N.A.
^ {Zdb nyZ©~r‘m
^ Net of reinsurance
@ ewÜX hm{Z
@ Net of losses
* A§V[a‘ ~moZg g[hV, ¶{X hmo Vmo
* Inclusive of interim bonuses, if any
# à{V\ b H$s JUZm Am¡gV {Z{Y na H$s J¶r h¡
# Yield is calculated on Mean Fund
295
AZwnmV
Ratios
n[a{eîQ>-II
Annexure II
H«$.g§. {ddaU
2018-19 2017-18 2016-17 2015-16 2014-15
Sl.No. Particulars
1 Zd ì`dgm` {à{_`_ Am` _o§ d¥pÜX (AZw^mJdma)
New business premium income growth rate - segment wise
Agå~ÜX / Non-Linked
OrdZ / Life 3.98% 12.64% 4.26% -9.98% -22.43%
noÝeZ / Pension -10.93% 14.38% 253.68% 206.83% 13.50%
g_wh / Group 10.13% 5.06% 21.35% 42.62% -6.82%
g§~§ÜX / Linked
OrdZ / Life -38.39% 173.70% -26.70% 1389.67% -95.34%
noÝeZ / Pension 0.00 0.00 0.00 0.00 -100.00%
g_wh / Group N.A. N.A. N.A. N.A. N.A.
2 ewÜX YmaU AZwnmV 99.91% 99.88% 99.90% 99.92% 99.92%

Net Retention Ratio
3 à~§YZ ì`` go Hw b àË`j {à{_`_ H m AZwnmV 14.38% 15.21% 15.17% 14.33% 15.65%
Expense of Management to Gross Direct Premium Ratio
4 H _reZ AZwnmV (^wJVmZ {H `m J`m Hw b H _reZ go Hw b {à{_`_) 5.73% 5.74% 5.53% 5.82% 6.31%
Commission Ratio (Gross commission paid to Gross Premium)
5 nm°{bgr YmaH m| Ho Xm{`Ëd go A§eYmaH mo§ Ho H mof H m AZwnmV 4501.19 4291.26 4169.24 3722.55 3539.79
Ratio of policy holder's liabilities to shareholder's funds
6 A§eYmaH {Z{Y H r {dH mgXa 4.35% 7.24% 4.03% 3.63% 4.45%
Growth rate of shareholders' fund
7 nm°{bgr YmaH Xo`Vm go A{Yeof H m AZwnmV 1.80% 1.79% 1.78% 2.40% 1.90%
Ratio of surplus to policy holders' liability
8 eyÜX _yë` _o§ n{adV©Z (am{e "000" _o§) 283111 439197 235099 203987 239489
Change in net worth (Amount in "000")
9 H a níMmV bm^ / Hw b Am` 0.005 0.005 0.005 0.006 0.004

N\
10 (H wb AMb g¨nXm + G$U) / (ZH X Ed§ {Zdo{eV n{ag§n{ËV`m§) 4.09% 4.42% 4.86% 5.76% 6.10%
P ® Q\P : Q
11 (ny§Or + A{Yeof) go Hw b {Zdoe 4481.01 4317.59 4059.16 3630.28 3426.74
\P®, Q
12 (ny§Or + A{Yeof) go Hw b gå~Õ {Zdoe 73.59 37.89 33.93 38.09 31.82
J \P®, Q
13 {Zdoe H r CnO* 7.59% 7.71% 7.78% 8.11% 8.22%
Investment Yield *
14 g§ajU AZwnmV 92.19% 90.77% 91.43% 91.47% 90.52%
Conservation Ratio
15 X¥TVm AZwnmV**
Persistency Ratio**
13 do _mh Ho {bò nm°{bgr`mo§ H r g§»`m Ûmam dm{f©H {à{_`_ Ûmam
For 13th month 66.00% 66.00% 64.00% 63.00% 66.00%
By no. of policies By annualized premium 77.00% 76.00% 74.00% 72.00% 77.00%
25 do _mh Ho {bò nm°{bgr`mo§ H r g§»`m Ûmam dm{f©H {à{_`_ Ûmam

For 25th month 60.00% 58.00% 56.00% 60.00% 51.00%
By no. of policies By annualized premium 71.00% 68.00% 66.00% 72.00% 68.00%
296
296
62 nd Annual Report
n[a{eîQ>-II
Annexure II
H«$.g§. {ddaU
2018-19 2017-18 2016-17 2015-16 2014-15
Sl.No. Particulars
37 do _mh Ho {bò nm°{bgr`mo§ H r g§»`m Ûmam dm{f©H {à{_`_ Ûmam 54.00% 53.00% 56.00% 48.00% 49.00%
For 37th month By no. of policies By annualized premium 65.00% 63.00% 68.00% 65.00% 65.00%
For 49th month By no. of policies By annualized premium 60.00% 66.00% 62.00% 62.00% 60.00%
For 61st month By no. of policies By annualized premium 63.00% 59.00% 58.00% 55.00% 51.00%
16 EZ.nr.E. AZwnmV (G$U nmoQ© \ mo{b`mo H m) gH b EZ nrE. AZwnmV 6.15% 6.23% 4.73% 3.76% 3.30%
ewÜX EZ.nr.E. AZwnmV 0.27% 1.82% 1.96% 1.84% 1.58%
NPA Ratio (of debt portfolio) Gross NPA Ratio
Net NPA Ratio
17 g§nÞVm AZwnmV (^maV _o ì`dgm`) 1.60 1.58 1.58 1.55 1.55

Solvency Ratio (Within India Business)
OrdZ ~r_m Ho {bE A§e Ym{aVm H m n°QZ©

Equity Holding pattern for Life Insurers
1 A) A§emo H r g§»`m / NA NA NA NA NA
(a) No of shares
2 ~) A§eYm{aVm H m à{VeV NA NA NA NA NA
(b) Percentage of shareholding
3 g) gaH ma Ûmam YmaU H m % 100% 100% 100% 100% 100%
(c ) % of Government holding
4 A)~x{Z`m{X Ed§ gwYarV B© nr Eg AmgmYmaU _Xm| Ho nwd© NA NA NA NA NA
(a) Basic and diluted EPS before extraordinary items
5 ~) ~x{Z`m{X Ed§ gwYarV B© nr Eg AmgmYmaU _Xm| Ho níMmV NA NA NA NA NA
(b) Basic and diluted EPS after extraordinary items
6 iv) à{V eoAa ~hr _yë` NA NA NA NA NA
(iv) Book value per share
{nNbr Ad{Y Ho AZwnmV H mo nwZ: g_w{hV AmH Smo§ na V¡`ma {H `m J`m h¡&
Z ! '
* nm°{bgr YmaH {Z{Y na CnO H r JUVm _mÜ` na H r OmVr h¡&
* Yield is calculated on Mean Policyholders' Fund.
** gVV AZwnmV H r JUZm AmB© Ama Sr E AmB© Ho g§gmo{YV {Xem {ZXo©emo§Ho AZwgma H r JB© h¡&
** Persistency Ratios have been calculated as per revised IRDAI guidelines
{QßnUr…- {ZåZ{b{IV AZwnmVmo§ Ho A{V{aº g^r AZwnmV à{VeV én _o§ Xem©ò Jò h¡&
Note: All Ratios are in percentage form except the ratios stated below:
A) A§emoYmaH mo§ H r {Z{Y Ho {bò nm°{bgrYmaH mo§ Ho Xm{`Ëd H m AZwnmV
a. Ratio of Policyholder's liabilities to shareholder's funds
~) H a nümV bm^/Hw b Am`

N\
g) (ny±Or A{Yeof) go Hw b {Zdoe
\P®, Q
X) (ny§Or + A{Yeof) go Hw b gå~Õ {Zdoe
J \P®, Q
B) g§nÞVm AZwnmV
e. Solvency Ratio
B©) ewÜX _yë` _o n{adV©Z hOma énò _o§ h¡&
f. Change in Net Worth is in Rs. Thousand
297

-!%\20G0M9A -!%\00/K3G,
g.H«$./M.No.033632 g.H«$./ M.No. 205702
-!%\009GK2%\%G0000H -!%\000KMG
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
Eg. Eb. NmOo‹S E§S> H§$. Ho$ {bE dr. qgKr E§S> Agmo{gEQ²>g Ho$ {bE ho_§V ämmJ©d
-!%\000K09 -!%\L2202K" {ZJ‘ Ho$ gXñ¶
Eg. EZ. e_m© (nmQ>©Za) A{ZéÜX goZJwám (nmQ>©Za) Members of the Corporation
E{bg Or d¡X`Z
-!%\20G02HA\A420002G -!%\0009LL Shubhangi S. Soman
P-:Q
g.H«$./ M.No. 104126 g.H«$. M.No. 014854
-!%\00MMGL, -!%\202K/0A\A200LGG
H¥ îUm gmB© Or. EM. (nmQ>©Za) {dO¶ Znmdm{b¶m (nmQ>©Za)
Krishna Sai G. H. ( Partner ) Vijay Napawaliya (Partner)
g.H«$./M.No. 233399 g.H«$./M.No. 109859
gZXr boImH$ma
‘w§~B©… 14 OyZ, 2019

298
298
62 nd Annual Report
^maVr¶ OrdZ ~r‘m {ZJ‘ H$s {Z¶§[ÌV {Z{Y Xem©Zo dmbm {ddaU
Statement showing the Controlled Fund of Life Insurance Corporation of India
VwbZ-nÌ Ho$ AZwgma {Z¶§{ÌV {Z{Y H$s g§JUZm (^maV ‘| ì¶dgm¶ Ho$ g§~§Y ‘|)
Computation of Controlled fund as per the Balance Sheet (In respect of Business In India)
(` H$amoS> ‘|)
(` in crore)
2018-19 2017-18
nm°{bgrYmaH$ {ZYr (OrdZ {ZYr)
Policyholders' Fund (Life Fund)
gh^m{JVm - Participating
d¡¶p³VH$ ~r‘m - Individual Assurance 2046334.52 1876677.63
dm{f©H$s ì¶dgm¶ - Annuity Business 1693.82 1951.22
noÝeZ ì¶dgm¶ - Pension Business 26708.53 25723.10
g‘yh ~r‘m - Group Assurance 38086.16 32586.77
J¡a-gh^m{JVm - Non Participating
d¡¶p³VH$ ~r‘m (Bg ‘| OrdZ g§~§Õ - J¡a BH$mB© {ZYr em{‘b h¡ ) 42023.98 38363.50
Individual Assurance (Includes Life, Linked- Non Unit Fund)
dm{f©H$s ì¶dgm¶ - Annuity Business 61512.14 45913.24
ñdmñW ì¶dgm¶ - Health Business 381.29 302.30
g§~§Õ - Linked
d¡¶p³VH$ ~r‘m - Individual Assurance 27084.62 34443.75
d¡¶p³VH$ noÝeZ - Individual Pension 12759.58 14797.06
g‘yh A{Y d{f©Vm - Group Superannuation 0.00 0.00
g‘yh CZXmZ - Group Gratuity 107.73 116.34
ñdmñW ì¶dgm¶ - Health Business 1599.11 1510.98
^mdr {d{Z¶moOZm| Ho$ {bE {Z{Y¶m§ - Funds for Future Appropriations 0.17 0.08
~§X H$mof (¶y{ZQ>) - Discontinued Fund (Unit) 8.64 2.72
OmoS> (H$) / Total (A) 2825336.22 2581668.62
eoAaYmaH$m| H$s {Z{Y - Shareholders'' Fund
àXÎm ny±Or - Paid up Capital 100.00 100.00
Ama{jV Am¡a A{Yeof - ! :, 281.15 272.03
C{MV ‘yë¶ n[adV©Z - Fair Value Change 0.00 0.00
OmoS> (I) / Total (B) 381.15 372.03
~Å>o ImVo ‘| Z S>mbo JE {d{dY ì¶¶ - < N I 0.00 0.00
bm^ Ed§ hm{Z boIo go H«o${S>Q>/(S>o{~Q>) - \P; Q
:&\ 0.00 0.00
OmoS> (J) / Total (C ) 0.00 0.00
eoAaYmaH$m| H$s {Z{Y H$m OmoS> (I+J)- Total shareholders' funds (B+C) 381.15 372.03
{Z¶§{ÌV {Z{Y OmoS> (H$ + I + J). - Controlled Fund [Total (A+B-C) ] 2825717.37 2582040.65
299
amOñd Am¡a bm^ Ed§ hm{Z boIo go {Z¶§{ÌV {Z{Y H$m g‘mYmZ (^maV ‘| ì¶dgm¶ Ho$ g§~§Y‘|)
" ""
]
;
_
(In respect of Business In India)
(` H$amoS> ‘|)
(` in crore)
2018-19 2017-18
[Z¶§{ÌV {Z{Y H$m AWeof
Opening Balance of Controlled Fund 2582040.65 2321560.70
OmoS>o … A§Vaàdmh

¢^
Am¶
Income
àr‘r¶‘ Am¶
Premium Income 337127.58 317892.78
KQ>mE§ … A§V[aV nwZ~u‘m
Less: Reinsurance ceded 319.13 371.91
{Zdb àr‘r¶‘
Net Premium 336808.45 317520.87
{Zdoe Am¶*
Investment Income* 222496.44 204674.73
AÝ¶ Am¶
Other Income 841.99 801.78
eoAaYmaH$m| Ho$ boIo go A§V[aV {Z{Y¶m§
Funds transferred from Shareholders' Accounts 0.00 0.00
Hw$b Am¶
Total Income 560146.88 522997.38
KQ>mE§ … ~{hJ©‘Z
Less: Outgo
(i) àXÎm bm^ ([Zdb)
+ P% Q 248904.53 196230.99
(ii) àXÎm A§V[a‘ ~moZg
Interim Bonus Paid 1649.31 1553.11
(iii) Xo¶Vm Ho$ ‘yë¶m§H$Z ‘| n[adV©Z**
Change in Valuation of Liability** 243667.60 260470.79
(iv) H${‘eZ
Commission 19287.08 18205.35
(v) àMmbZ ì¶¶
Operating Expenses 29141.39 30104.22
(vi) H$amYmZ Ho$ {bE àmdYmZ Am¶ H$a
Provision for Taxation I.T. 7709.62 7415.77
(vii) H$amYmZ Ho$ Abmdm AÝ¶ àmdmYmZ ***
Provision other than Taxation *** 7020.02 6404.44
(vii) AÝ¶***
Others*** 110.08 193.77
Hw$b ~{hJ©‘Z
Total Outgo 557489.63 520578.44
300
300
62 nd Annual Report
(` H$amoS> ‘|)
(` in crore)
2018-19 2017-18
nm°{bgrYmaH$m| H$s {ZYr H$m A{Yeof
Surplus of the Policyholders' Fund 2657.25 2418.94
KQ>mE§ … eoAaYmaH$m| Ho$ ImVoo ‘|o A§V[aV
Less: transferred to Shareholders' Account 2657.25 2418.94
nm°{bgrYmaH$m| Ho$ ImV| ‘| {Zdb àdmh
Net Flow in Policyholders' account 0.00 (0.00)
OmoS>o … eoAaYmaH$m| H$s {ZYr ‘| {Zdb Am¶/(ì¶¶)
[% \P N Q, Z- 9.12 9.16
{Zdb A§V©dmh / ~{hdm©h
% -\B 9.12 9.16
OmoS>o … ‘yë¶m§H$Z Xo¶VmAm| ‘| n[adV©Z **
Add: change in valuation Liabilities** 243667.60 260470.79
OmoS>o … àXÎm n±yOr ‘| d¥{Õ
Add: Increase in Paid up Capital 0.00 0.00
{Z¶§{ÌV {Z{Y H$m A§V eof
Closing Balance of Controlled Fund 2825717.37 2582040.65
VwbZ-nÌ Ho$ AZwgma 2825717.37 2582040.65
As Per Balance Sheet
A§Va, ¶{X H$moB© h¡
;I #
0.00 0.00
* {Zdoe Am¶ ‘| g§~§Y ì¶dgm¶ H$s B©H$mB© {Z{Y Ho$ C{MV ‘yë¶ ‘| n[adV©Z/nwZ‘y©ë¶m§H$Z na hþAm A§VaU/bm^ em{‘b h¡

\ \

&'
** Xo¶VmAm| Ho$ ‘yë¶m§H$Z ‘| hþE n[adV©Z o‘§ ^mdr {d{Z¶moOZm| Ho$ {bE {Z{Y¶m| Am¡a g§~§Õ Xo¶Vm¶m| Ho$ {bE àmdYmZ ‘| hþAm A§VaU em{‘b h¡
** Change in valuation of liabilities includes transfer to provision for Linked Liabilities , Funds for Future Appropriations and Discontinued
fund
*** H$amYmZ Ho$ Abmdm àmdYmZ Am¡a AÝ¶ H$mo AbJ n§p³V dmbr ‘Xm| Ho$ ê$n ‘| em{‘b H$a {b¶m J¶m h¡ AÝ¶ ‘| AÝ¶ ì¶¶ Ed§ {Z{Y à~§YZ à^ma na godm H$a Ed§ g§~§YrV
ì¶dgm¶ Ho$ AÝ¶ à^ma em{‘b h¡
*** Provision other than taxation” and “Others “ have been included as separate row items. “Others” include Other Expenses and
, N-< :B
&' +
301
eo¶aYmaH$m| Am¡a nm°{bgrYmaH$mo Ho$ {Z{Y H$m g‘mYmZ (^maV ‘| ì¶dgm¶ Ho$ g§~§Y‘|)
Reconciliation with Shareholders’ and Policyholders’ Fund (In respect of Business In India)
(` H$amoS> ‘|)
(` in crore)
2018-19 2017-18
nm°{bgrYmaH$m| H$s {ZYr¶m±
Policyholders' Funds
nm°{bgrYmaH$m| H$s {ZYr¶m± - na§namJV gh^mJr Am¡a J¡a-gh^mJr
Policyholders' Funds - Traditional-PAR and NON-PAR
nm°{bgrYmaH$m| H$m {ZYr H$m Adeof
Opening Balance of the Policyholders' Fund 2530797.76 2260729.99
OmoS>o … amOñd ImVo H$m Adeof
Add: Surplus of the Revenue Account
OmoS>o … ‘yë¶m§H$Z Xo¶VmAm| ‘| n[adV©Z
Add: Change in valuation Liabilities 252978.79 270067.77
OmoS> Total 2783776.55 2530797.76
VwbZm nÌ Ho$ AZwgma
As per Balance Sheet 2783776.55 2530797.76
;I #
0.00 0.00
nm°{bgrYmaH$m| H$s {ZYr¶m±
Policyholders' Funds - Linked
nm°{bgrYmaH$m| H$m {ZYr H$m AWeof
Opening Balance of the Policyholders' Fund 50870.85 60467.84
OmoS>o … amOñd ImVo H$m A{Yeof
Add: Surplus of the Revenue Account
OmoS>o … ‘yë¶m§H$Z Xo¶VmAm| ‘| n[adV©Z
Add: Change in valuation Liabilities (9311.18) (9596.99)
OmoS> Total 41559.67 50870.85
VwbZ-nÌ Ho$ AZwgma*
As per Balance Sheet* 41559.67 50870.85
;I #
0.00 0.00
eo¶aYmaH$m| H$s {ZYr¶m±
Shareholders'' Funds
eo¶aYmaH$m| H$m {ZYr H$m AWeof
Opening Balance of Shareholders' Fund 372.03 362.87
OmoS>o … eo¶aYmaH$m| H$r {ZYr ‘| {Zdb Am¶/(ì¶¶)
[% \P N Q, Z- 9.12 9.16
OmoS>o … {Z{Y H$m A§Vdm©h
Add: Infusion of Capital 0.00 0.00
eo¶aYmaH$m| H$m {ZYr H$m A§Veof
Closing Balance of the Shareholders'' fund 381.15 372.03
VwbZ-nÌ Ho$ AZwgma
As per Balance Sheet 381.15 372.03
;I #
0.00 0.00
* ~§X {ZYr (¶y{ZQ>) em{‘b h¡&
* Includes Discontinued Fund (Unit)
302
302
62 nd Annual Report
~r‘mH$Vm© H$m Zm‘ … ^maVr¶ OrdZ ~r‘m {ZJ‘ Name of the Insurer: Life Insurance Corporation of India
n§OrH$aU H$s g§»¶m 512 VWm VmarI … 01.01.2001 Registration No. 512 Dated: 01.01.2001
àmpßV Ed§ ^wJVmZ boIm

RECEIPT AND PAYMENTS ACCOUNT
31 _mM©, 2019 H mo Hw b ì`dgm` go g§~§{YV ZH X àdmh {ddaU
CASH FLOW STATEMENT AS AT 31ST MARCH, 2019 IN RESPECT OF TOTAL BUSINESS
(` bmIm| ‘|)
(` in lakhs)
{ddaU Hw$b Mmby df© Hw$b {nN>bo df©
Particulars CURRENT YEAR PREVIOUS YEAR
n{aMmbZ J{V{d{Y`m| go ZH X àdmh:
Cash Flows from the operating activities:
1 nm°{bgrYmaH m| go àmßV àr{_`_, {Og_o A{J«_ àm{ßV`m± em{_b h| 33591137.81 31904058.26
Premium received from policyholders, including advance receipts
2 AÝ` àm{ßV`m± 84126.21 80112.77
Other receipts
3 nwZ:~r_mH Vm©Am| H mo ^wJVmZ, H {_eZ Ed§ Xmdm| go ewÜX (22572.51) (5097.87)
4 #
\+
4 gh ~r_mH §nZr`mo Hmo ^wJVmZ, Xmdm|/bm^ go ewÜX 0.00 0.00
4 #
\
5 Xmdm|/bm^ Hm ^wJVmZ (24648334.55) (19430127.53)

\
6 H {_eZ Am¡a Xbmbr Hm ^wJVmZ (1943689.93) (1804986.29)
Payments of commission and brokerage
7 AÝ` n{aMmbZ ì``m| Hm ^wJVmZ (2776979.41) (2290794.26)
Payments of other operating expenses
8 àma§{^H Ed§ nwd©-Amnao{Qd ì`` 0.00 0.00
Preliminary and pre-operative expenses
9 O_m, A{J«_ Am¡a ñQm\ F U (491765.85) (136159.56)
; # I
10 Am`H a Hm ^wJVmZ (ewÜX) (1485417.91) (1322387.57)
Income taxes paid (Net)
11 godmH a/OrgQr Hm ^wJVmZ (330029.29) (208167.23)
, N\$,
12 AgmYmaU _Xm| go nwd© ZH X àdmh 1976474.57 6786450.72

N
13 AgmYmaU g§MmbZ go ZH X àdmh ({ddaU Xo) 0.00 0.00

N P '4Q
n{aMmbZ J{V{d{Y`m| go ewÜX ZH X àdmh:
1976474.57 6786450.72
¢^;'
{Zdoe J{V{d{Y`m| go ZH X àdmh:
¢^;
14 AMb g§n{ËV`m| Hr IarX (50920.76) (57141.48)

N
303
àmpßV Ed§ ^wJVmZ boIm

RECEIPT AND PAYMENTS ACCOUNT
31 _mM©, 2019 H mo Hw b ì`dgm` go g§~§{YV ZH X àdmh {ddaU
CASH FLOW STATEMENT AS AT 31ST MARCH, 2019 IN RESPECT OF TOTAL BUSINESS
15 AMb g§n{ËV`m| Hr {~H«r go àm{ßV`m± 13429.36 26710.46

N
16 {Zdem| Hr IarX (31863723.44) (38944173.79)
Purchases of investments
17 {dV{aV FU (^wJVmZ go ewÜX) (504424.18) (320549.25)
Loans disbursed (Net of Repayments)
18 {Zdem| Hr {~H«r 15136588.96 15600003.20
Sales of investments
19 {H V`m/ã`mO/bm^m§e àmßV 19145818.29 17691737.16
! \ \;
20 _wÐm ~mOma CnHaUm| Am¡a Vab å`wMwAb \§ S (ewÜX) _| {Zdoe (1687247.75) (1557574.64)
Investments in money market instruments and in liquid mutual funds (Net)
21 {Zdoem| g| g§~§{YV ì`` 0.00 0.00
Expenses related to investments
{Zdoe J{V{d{Y`m| go ewÜX ZH X àdmh:
189520.48 (7560988.34)
¢^;
{dËVr` J{V{d{Y`m| go ZH X àdmh:
¢^;
A§e nw§Or Omar H aZo go àm{ßV`m± (^maV gaHma Ûmam àXËV A§e nw§Or) 0.00 0.00
Proceeds from issuance of share capital (Equity capital provided by Government of India)
H O© boZo go àm{ßV`m± 0.00 0.00
Proceeds from borrowing
H O© H m ^wJVmZ 0.00 0.00
Repayments of borrowing
ã`mO/bm^m§e H m ^wJVmZ (225242.25) (236973.37)
\
{dËVr` J{V{d{Y`m| go ewÜX ZH X àdmh:
(225242.25) (236973.37)
¢^;
ZH X Am¡a ZH X Ho g_Vwë` ewÜX na {dXoer _wÐm Xam| Hm à^md 8421.15 6650.56
"I

N #
ZH X Am¡a ZH X Ho g_Vwë` _| {Zdb d¥{ÜX 1949173.95 (1004860.43)
Net Increase in cash & cash equivalents
df© Ho àm§a^ _| ZH X Ed§ ZH X g_Vwë` 2269356.02 3274216.45
Cash and cash equivalents at the beginning of the year
df© Ho AV§ _| ZH X Ed§ ZH X g_Vwë` 4218529.97 2269356.02
Cash and cash equivalents at the end of the year
**~{hdm©h HmoðH ( ) _| {M{ÝhV {H ò Jò h¢
B ' ' PQ
304
304
62 nd Annual Report

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‘w§~B©… 14 OyZ, 2019

305
\ m‘© ~r-~rEg FORM B- BS

31 ‘mM©, 2019 VH$ ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ (J¡a gh^mJr) go g§~§{YV VwbZ nÌ
BALANCE SHEET AS AT 31st March, 2019
Capital Redemption (Including Annuity Certain) Business (Non Participating)
(` bmIm| ‘|)
(` in lakhs)
{ddaU AZwgy{M Hw$b Mmby df© Hw$b {nN>bo df©
Particulars Schedule CURRENT YEAR PREVIOUS YEAR
{Z{Y¶m| H$m ómoV
SOURCES OF FUNDS
eo¶a ny±Or
SHARE CAPITAL 5 0.00 0.00
nm°{bgr Xm{`Ëd
POLICY LIABILITY 18597.21 17909.48
Ama{jV{Z{Y Ed§ A{Yeof
ESERVES AND SURPLUS 5 35.56 35.56
ghr ‘yë¶ n[adV©Z boIm
FAIR VALUE CHANGE ACCOUNT 0.00 0.00
CYmar
BORROWINGS 7 0.00 0.00
^{dî¶ {d{Z¶moOZm| Ho$ {bE {Z{Y¶m±
FUNDS FOR FUTURE APPROPRIATIONS 0.00 0.00
Hw$b TOTAL 18632.77 17945.04
{Z{Y¶m| H$m à¶moJ
APPLICATION OF FUNDS
{Zdoe
INVESTMENTS 8 19593.31 20810.79
F$U
LOANS 9 0.00 0.00
AMb n[agån{Îm¶m±
FIXED ASSETS 10 0.00 0.00
Mmby n[agån{Îm¶m±
CURRENT ASSETS
amoH$‹S> Ed§ ~¢H$ ‘| A{Veof
Cash and Bank Balances 11 8.00 17.00
A{J«_ Ed§ AÝ` n[agån{Îm¶m±
Advances and Other Assets 12 495.52 493.55
Cn-¶moJ (H$)
Sub-Total (A) 503.52 510.55
Mmby Xm{¶Ëd
CURRENT LIABILITIES 13 1450.90 2377.52
àmdYmZ
PROVISIONS 14 13.16 998.78
Cn-¶moJ (I)
Sub-Total (B) 1464.06 3376.30
ewÕ Mmby n[agån{Îm¶m± (J)= (H - I)
NET CURRENT ASSETS (C) = (A - B) (960.54) (2865.75)
306
306
62 nd Annual Report
(` bmIm| ‘|)
(` in lakhs)
{d{dY ì¶¶
(Omo~QQo ImVo ‘| Z S>mbo JE hmo ¶m g‘m¶mo{OV Z {H ò Jò hm|)
MISCELLANEOUS EXPENDITURE
P N I¢ Q 15 0.00 0.00
bm^-hm{Z boIm ‘| Zm‘| eof (eo¶aYmaH$m| H$m ImVm)
;"++&%"%!B-:&B,,
ACCOUNT (Shareholders' Account) 0.00 0.00
Hw$b TOTAL 18632.77 17945.04

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‘w§~B©… 14 OyZ, 2019

307
\ m‘© ~r-AmaE FORM B- RA

31 ‘mM©, 2019 VH$ ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ (J¡a gh^mJr) go g§~§{YV amOñd boIm
REVENUE ACCOUNT FOR THE YEAR ENDED 31st March, 2019
(` bmIm| ‘|)
(` in lakhs)
1. A{O©X (ewÕ) àr‘r¶‘
Premiums earned (Net) 1 244.10 318.53
2. H$. {Zdoem| H$s {~H«$s / ‘moMZ go bm^
\
18.32 0.00
I. {Zdoem| H$s {~H«$s / ‘moMZ go hm{Z
+& \
(78.43) (84.34)
3. nm°{bgr Xm{`Ëd _o§ n{adV©Z
Change in Policy Liability 0.00 0.00
4. AÝ¶
Others
ã¶mO (\w Q>H$a) àmá
Interest (Sundry) received 0.00 0.00
ã¶mO Ed§ àr{‘¶‘
Interest on premium 0.87 2.63
5. ã¶mO Ed§ bm^m§e - Hw$b
:; 4$ 1674.80 2025.05
Hw$b (H$) TOTAL (A) 1859.66 2261.88
1. àXÎm Xmdo (ewÕ)
Claims incurred (Net) 2 704.53 4476.99
2. H$‘reZ
Commission 3 2.51 3.28
3. ~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ IM©
Operating Expenses related to Insurance Business 4 95.65 109.33
4. AÝ¶ - Others
g§{X½Y VWm AemoÜ¶ F$Um| Ho$ {bE àmdYmZ

+:;
; (15.71) 0.00
H$amYmZ Ho$ {bE àmdYmZ
Provision for Taxation 134.52 443.15
nm°brgr Xm{¶Ëd ‘| n[adV©Z
Change in Policy Liabilities 687.73 (3608.20)
nwZam§H$sV H$amYmZ Ho$ {bE àmdYmZ
Provision for taxation written back 0.00 0.00
Hw$b (I) TOTAL (B) 1609.23 1424.55
ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ go
n[aMmbZ bm^/(hm{Z) (H$)-(I)
B \P& Q
!
(including Annuity Certain ) Business (A) - (B) 250.43 837.32
308
308
62 nd Annual Report
(` bmIm| ‘|)
(` in lakhs)
{d{Z¶moOZ Appropriations
eo¶aYmaH$m| Ho$ ImVo ‘| A§VaU
Transfer to shareholders' Account 250.43 837.32
AmnmVH$m{bZ Ama{jV {Z{Y¶m| ‘| A§VaU
Transfer to Catastrophe Reserve 0.00 0.00
AÝ¶ Ama{jV {Z{Y¶m| ‘| A§VaU

B ! P Q 0.00 0.00
Hw$b (J) TOTAL (C) 250.43 837.32

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‘w§~B©… 14 OyZ, 2019

309
\ m‘© ~r-nrEb FORM B- PL

31 ‘mM©, 2019 H$mo g‘má df© Ho$ {b¶o ny±Or ‘moMZ ({ZYm©[aV dm{f©H$s g{hV) ì¶dgm¶ (J¡a gh^mJr) H$m bm^ hm{Z boIm
PROFIT & LOSS ACCOUNT FOR THE YEAR ENDED 31st March, 2019
(` bmIm| ‘|)
(` in lakhs)
{ddaU AZwgy{M
Particulars Schedule Hw$b Mmby df© Hw$b {nN>bo df©
CURRENT YEAR PREVIOUS YEAR
1. n[aMmbZ bm^/(hm{Z)
B \P& Q
(H$) A{¾ ~r‘m
(a) Fire Insurance 0.00 0.00
(I) g‘w{Ð¶ ~r‘m
(b) Marine Insurance 0.00 0.00
(J) {d{dY ~r‘m (ny±Or ‘moMZ({ZYm©[aV dm{f©H$s g{hV)
ì¶dgm¶ df© Ho$ {bE bm^ / hm{Z
(c) Miscellaneous Insurance(Capital Redemption 250.43 837.32
(including Annuity Certain) Business)
\&

2. {Zdoe go Am¶ Income from Investments
(H$) ã¶mO Ed§ bm^m§e - Hw$b
PQ #; :! 4$ 0.00 0.00
PQ \
0.00 0.00
KQ>mE§ … {Zdoe H r {~H«$s na hm{Z
Less:Loss on sale of Investments 0.00 0.00
3. AÝ¶ Am¶ Other Income 0.00 0.00
Hw$b (H$) TOTAL (A) 250.43 837.32
4. àmdYmZ (H$amYmZ Ho$ A{V[aº$)/Provisions (Other than taxation)
(H$) {Zdoe Ho$ ‘yë¶ ‘| (ewÕ) H$‘r Ho$ {bE
(a) For diminution in the value of investments (Net) 0.00 0.00
(I) g§{X½Y F$Um| Ho$ {bE
(b) For doubtful debts 0.00 0.00
(J) AÝ¶
(c) Others 0.00 0.00
5. AÝ¶ ì¶¶ - Other expenses
(H$) ~r‘m ì¶dgm¶ Ho$ grYo g§~§{YV IMm} Ho$ A{V[aº$ AÝ¶ IM©
(a) Expenses other than those related to Insurance Business 0.00 0.00
(I) ~Å>o ImVo ‘| S>mbo J¶o Sy>~o F$U
PQ+ I 0.00 0.00
(J) AÝ¶
(c)Others 0.00 0.00
Hw$b (I) TOTAL (B) 0.00 0.00
H$a nyd© bm^
N 250.43 837.32
H$amYmZ Ho$ {bE àmdYmZ Provision for Taxation 0.00 0.00
H$a ~mX bm^
N 250.43 837.32
{d{Z¶moOZ - APPROPRIATIONS
310
310
62 nd Annual Report
(` bmIm| ‘|)
(` in lakhs)
{ddaU AZwgy{M
Particulars Schedule Hw$b Mmby df© Hw$b {nN>bo df©
CURRENT YEAR PREVIOUS YEAR
(H$) df© Ho$ Xm¡amZ àXÎm AÝV[a‘ bm^m§e
(a) Interium Dividends paid during the year 0.00 0.00
(I) àñVm{dV A§{V‘ bm^m§e
PQ 250.43 837.32
(J) bm^m§e Am§~Q>Z na H$a
(c) Dividend distribution tax 0.00 0.00
(K) AmajU / AÝ¶ boIm H$mo A§VaU
PQ
\ 0.00 0.00
{nN>bo df© Ho$ AJ«o{fV bm^ / hm{Z
+
\

from last year 0.00 0.00
VwbZ nÌ H$mo AJ«o{fV bm^ / hm{Z*

^
~" 0.00 0.00

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‘w§~B©… 14 OyZ, 2019

311
({ZYm©{aV dm{f©H$r g{hV) ì`dgm` (J¡a gh^mJr) ny±Or _moMZ Capital Redemption (including Annuity Certain) Business ( Non Participating)
g_mßV df© 31.03.2019 Ho$ {bE for the year ended 31.03.2019
AZwgyMr - 1 àr‘r¶‘ A{O©V ({Zdb)

SCHEDULE - 1 PREMIUM EARNED (NET)
(` bmIm| ‘|)
(` in lakhs)
1 àË¶j àr‘r¶‘ {b{IV ì¶mnma go
Premium from direct business written 244.10 318.53
OmoS>o … nwZ~u‘m na àr‘r¶‘ ñdrH$ma {H$E OmVo h¡
Add:Premium on reinsurance accepted 0.00 0.00
KQ>mE§ … nwZ~u‘m na àr‘r¶‘ A§V[aV
Less:Premium on reinsurance ceded 0.00 0.00
{Zdb àr‘r¶‘ - Net Premium 244.10 318.53
Hw$b àr‘r¶‘ A{O©V ({Zdb)-
Total Premium Earned (Net) 244.10 318.53
àr‘r¶‘ Am¶ {b{IV ì¶dgm¶ go
;; ;;
1 ^maV ‘|
In India 244.10 318.53
2 ^maV Ho$ ~mha
Outside India 0.00 0.00
Hw$b àr‘r¶‘ ({Zdb)-
Total Premium (Net) 244.10 318.53
AZwgyMr - 2 Xmdm IM© ({Zdb)

SCHEDULE -2 Claims incurred (Net)
(` bmIm| ‘|)
(` in lakhs)
Xmdo H$m ^wJVmZ - Claims Paid
grYm - Direct
‘¥Ë¶w - Death 9.51 9.50
n[an¹$Vm - Maturity 655.94 4349.57
dmfuH$s - Annuity 36.26 103.38
Aä¶n©U - Surrender 2.82 14.54
OmoS>o … ñdrH¥$V nwZ~u‘m
Add:Reinsurance accepted 0.00 0.00
KQ>mE§ … nwZ~u‘m A§V[aV
Less:Reinsurance Ceded 0.00 0.00
{Zdb Xmdo H$m ^wJVmZ - Net Claims paid 704.53 4476.99
Hw$b Xmdo IM© - Total Claims Incurred 704.53 4476.99
XmdoXmaH$m| H$mo ^wJVmZ {H$E JE Xmdo - Claims paid to claimants:
^maV ‘| - In India 704.53 4476.99
^maV Ho$ ~mha - Outside India 0.00 0.00
Hw$b Xmdo IM©- Total Claims Incurred 704.53 4476.99
312
312
62 nd Annual Report
AZwgyMr - 3 H$‘reZ
SCHEDULE -3 COMMISSION
(` bmIm| ‘|)
(` in lakhs)
àXÎm H$‘reZ - Commission paid
grYm - Direct 2.51 3.28
OmoS>o … ñdrH¥$V nwZ~u‘m na H$‘reZ
Add : Commission on Re-insurance Accepted 0.00 0.00
KQ>mE§ … A§V[aV nwZ~u‘m na H$‘reZ
Less: Commission on Re-insurance Ceded 0.00 0.00
{Zdb H$‘reZ
Net Commission 2.51 3.28
AZwgyMr - 4 ~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ ì¶¶

SCHEDULE -4 OPERATING EXPENSES RELATED TO INSURANCE BUSINESS
(` bmIm| ‘|)
(` in lakhs)
1 H$‘©Mm[a¶m| H$m n[al{‘H$ VWm H$ë¶mU bm^
" Z :
74.34 84.97
2 ¶mÌm, gdmar Ed§ dmhZ MmbZ ì¶¶
Travel,conveyance and vehicle running expenses 1.35 1.55
3 à{ejU ì¶¶ - Training expenses 0.00 0.00
4 {H$am¶m§, Xa| Ed§ H$a - ! # :N 2.32 2.65
5 ‘aå‘V - Repairs 0.80 0.91
6 ‘wÐU Ed§ boIm gm‘J«r 4: 0.91 1.04
7 g§gma ì¶¶ - Communication 2.33 2.66
8 {d{dY Ed§ ì¶mdgm{¶H$ à^ma
& :
0.05 0.06
9 boIm n[ajH$ ewëH$, ì¶¶ Am{X
Auditors' fees,expenses etc
(H$) boIm n[ajH$ Ho$ ê$n ‘|
(a) as auditor 0.20 0.23
(I) gbmhH$ma Ho$ ê$n ‘| ¶m {ZåZ g§~§Y ‘| {H$gr ^r j‘Vm ‘|
(b) as adviser or in any other capacity,in respect of
(i) H$amYmZ ‘m‘b| - Taxation Matters 0.00 0.00
(ii) ~r‘m ‘m‘bo - Insurance matters 0.00 0.00
(iii) à§dYZ godm§E, VWm - Management services; and 0.00 0.00
(J) {H$gr ^r AÝ¶ j‘Vm ‘|
(c) in any other capacity 0.00 0.00
Advertisement and publicity 0.00 0.00
:' 0.67 0.77
12 {d{dY ì¶¶ - Miscellaneous Expenses 11.01 12.58
{M{H$Ëgm ewëH$ - Medical Fees 0.00 0.00
~r‘m ñQ>±n/agrX ñQ>±n4, \! , 0.06 0.07
{~Obr ewëH$ -Electricity Charges 1.61 1.84
313
AZwgyMr - 4 Omar ~r‘m ì¶dgm¶ go g§~§{YV n[aMmbZ ì¶¶

SCHEDULE -4 (Contd.) OPERATING EXPENSES RELATED TO INSURANCE BUSINESS
(` bmIm| ‘|)
(` in lakhs)
ZdrH$aU Am¡a ì¶mnma bmBg|g Ho$ n§OrH$aU Ho$ {bE ewëH$
Fees for renewal and registration of trade licences 0.00 0.00
{Zdoe H$s g§n{Îm na ì¶¶ - Expenses on Investment Property 0.00 0.00
13 ‘yë¶èhmg - Depreciation 0.00 0.00
Hw$b - TOTAL 95.65 109.33
AZwgyMr - 6 Ama{jV {Z{Y Ed§ A{Yeof

SCHEDULE 6 RESERVES AND SURPLUS
(` bmIm| ‘|)
(` in lakhs)
Capital Reserve 0.00 0.00
Capital Redemption Reserve 0.00 0.00
3 eo¶a àr[‘¶‘
Share Premium 0.00 0.00
General Reserves
àma§{^H$ eof
Opening Balance 35.56 35.56
Additions during the year 0.00 0.00
BVa eof
Closing balance 35.56 35.56
KQ>mE§ … bm^-hm{Z boIo ‘| Zm‘| A{Yeof
& [; + :& 0.00 0.00
Account 0.00 0.00
KQ>mE§ … nwZ©IhaX Ho$ {bE à¶wº$ am{e
Less: Amount utilised for Buy-back 0.00 0.00
5 AmnmVH$m{bZ Ama{jV {Z{Y
Catastrophe Reserve 0.00 0.00
6 AÝ¶ Ama{jV {Z{Y
Other Reserves 0.00 0.00
7 bm^-hm{Z boIo ‘| eof bm^
+
& 0.00 0.00
Hw$b / Total 35.56 35.56
314
314
62 nd Annual Report
AZwgyMr - 8 {Zdoe
SCHEDULE - 8 INVESTMENTS
(` bmIm| ‘|)
(` in lakhs)
XrKm©d[Y {Zdoe
1 IOmZo H$s {~bm| ghrV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY-nÌ
Government securities and Government guaranteed bonds including Treasury Bills 9803.60 7338.57
Other Approved Securities 0.00 0.00
3 AÝ¶ {Zdoe
Other Investments
(H$) eo¶a
(a) Shares 0.00 0.00
(H$H$) Bp³dQr>
(aa) Equity 0.00 0.00
KQ>mE§ … J¡a-gyMr~Õ eo¶am| ‘| H$‘r Ho$ {bE àmdYmZ
Less: Provision for diminution in unlisted shares 0.00 0.00
(II) A{Y‘mZr
(bb) Preference
(I) gh¶moJr {Z{Y
(b) Mutual Funds 0.00 0.00
(J) ì¶wËnÞ ànÌ
(c) Derivative Instruments 0.00 0.00
(K) F$U-nÌ/~§Y-nÌ
PQ; \+ 1100.00 5026.33
(B) AÝ¶ à{V^y{V¶m± (gr~rEbAmo)
(e) Other Securities(CBLO) 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00
(N>) {Zdoe g§n{Îm¶m±-g§nXm
(g) Investment Properties - Real Estate 0.00 0.00
Investments in Infrastructure and Social Sector 8500.00 8500.00
KQ>mE§ … g§{X½Y {Zdoe Ho$ {bE àmdYmZ
Less:Provision for doubtful Investments (38.40) (54.51)
5 AZw‘mo{XV {Zdoem| Ho A{V[a³V AÝ¶ {Zdoe
Other than Approved Investments 19.57 19.57
KQ>mE§ … g§{X½Y {Zdoe Ho$ {bE àmdYmZ
Less:Provision for doubtful Investments (19.57) (19.57)
315
AZwgyMr - 8 Omar {Zdoe

SCHEDULE - 8 (Contd.) INVESTMENTS
(` bmIm| ‘|)
(` in lakhs)
Aënmd{Y {Zdoe
1 IOmZo H$s {~bm| ghrV gaH$mar à{V^y{V¶m± VWm Jma§{Q>V ~ÝY-nÌ
Government securities and Government guaranteed bonds including Treasury Bills 228.11 0.00
Other Approved Securities 0.00 0.00
3 AÝ¶ {Zdoe
Other Investments
(H$) eo¶a
(a) Shares 0.00 0.00
(H$H$) Bp³dQr>
(aa) Equity 0.00 0.00
(II) A{Y‘mZr
(bb) Preference 0.00 0.00
(I) gh¶moJr {Z{Y
(b) Mutual Funds 0.00 0.00
(J) ì¶wËnÞ ànÌ
(c) Derivative Instruments 0.00 0.00
(K) F$U-nÌ/~§Y-nÌ
PQ; \+ 0.00 0.00
(B) AÝ¶ à{V^y{V¶m± (gr~rEbAmo)
(e) Other Securities 0.00 0.00
(M) ghm¶H$
(f) Subsidiaries 0.00 0.00
(N>) {Zdoe g§n{Îm¶m±-g§nXm
(g) Investment Properties - Real Estate 0.00 0.00
Investments in Infrastructure and Social Sector 0.00 0.00
KQ>mE§ … àmdYmZ - Less Provisions 0.00 0.00
5 AZ_mo{XV {Zdoemo§ Ho$ A{V{aŠV AÝ` {Zdoe
Other than Approved Investments 0.00 0.00
KQ>mE§ … àmdYmZ - Less: Provisions 0.00 0.00
Hw$b TOTAL 19593.31 20810.79
{Zdoe - INVESTMENTS
1 ^maV ‘| - In India 19593.31 20810.79
2 ^maV Ho$ ~mha Outside India 0.00 0.00
Hw$b TOTAL 19593.31 20810.79
316
316
62 nd Annual Report
AZwgyMr - 11 amoH$S> Ed§ ~¢H$ ‘| A{Veof

SCHEDULE - 11 CASH AND BANK BALANCES
(` bmIm| ‘|)
(` in lakhs)
1 ZH$X (MoH$, S´>m\Q> Ed§ ñQ>±n g{hV)
Cash (including cheques, drafts and stamps) 0.00 0.00
2 ~¢oH$ O‘m
Bank Balances 0.00 0.00
(H$) O‘m ImVm
(a) Deposit Accounts 0.00 0.00
(H$H$) AënmdYr (VwbZ-nÌ H$s Vm[aI go 12 ‘hrZm| Ho$ ^rVa Xo¶)
(aa) Short-term (due within 12 months) 0.00 0.00
(II) AÝ¶
(bb) Others 0.00 0.00
(I) Mmby ImVm
(b) Current Accounts 0.00 0.00
(I) AÝ¶
(c) Others 0.00 0.00
3 ‘m§JZo na Am¡a Aën gyMZm na YZ
Money at Call and Short Notice 0.00 0.00
(H$) ~¢H$ ‘|
(a) With Banks 0.00 0.00
(I) AÝ¶ g§ñWmZm| ‘|
(b) With other Institutions 0.00 0.00
(J) gr.~r.Eb.Amo
(c) CBLO 8.00 17.00
4 AÝ¶
Others 0.00 0.00
Hw$b
TOTAL 8.00 17.00
J¡a AZwgy{MV ~¢H$mo H$s eof Cnamoº$ 2 VWm 3 ‘| gpå‘{bV h¡

Balances with non-scheduled banks included in 2 and 3 above.
amoH$S> Ed§ ~¢H$ ‘| A{Veof
CASH & BANK BALANCES
1 ^maV ‘| - In India 8.00 17.00
2 ^maV Ho$ ~mha Outside India 0.00 0.00
Hw$b TOTAL 8.00 17.00
317
AZwgyMr - 12 A{J«‘ Ed§ AÝ¶ n[agån{Îm¶m±

SCHEDULE - 12 ADVANCES AND OTHER ASSETS
(` bmIm| ‘|)
(` in lakhs)
A{J«‘ - Advances
1 A§VaU H§$n{Z¶m| ‘| Ama{jV O‘m
Reserve deposits with ceding companies 0.00 0.00
2 {Zdoem| Ho$ {bE AmdoXZ YZ
Application money for investments 0.00 0.00
3 n{hbo ^wJXmZ
Prepayments 0.00 0.00
4 A{YH$m[a¶m| / {ZXoeH$moo§ H$mo A{J«‘
BJ \; 0.00 0.00
5 AXm {H$¶m J¶m A{J«‘ H$a Ed§ ómoV na H$a H$Q>m¡Vr
Advance Tax paid and taxes deducted at source 0.00 0.00
6 AÝ¶ A{J«‘
Other Advances 0.00 0.00
Hw$b (H$)
Total (A) 0.00 0.00
AÝ¶ n[agån{Îm¶m| - Other Assets

1 {Zdoem|na ~H$m¶m / àmoX^wV Am¶
\ 0.00 0.00
2 g§{X½Y ã¶mO dgybr H$m n«mdYmZ
Provision for interest doubtful of recovery 0.00 0.00
3 ~H$m¶m àr‘r¶‘
Outstanding Premiums 2.67 2.28
4 EO§Q>mo Ho$ eof
Agents' Balances 0.00 0.00
5 {dXoer EO§{g¶m| Ho$ eof
Foreign Agencies' Balances 0.00 0.00
6 ~r‘m ì¶dgm¶ H$aZodmbr AÝ¶ B§{Q>{Q>¶m| go àmá hmoZo dmbm
Due from other insurance entities carrying on 0.00 0.00
insurance business (including reinsurers)
7 ghm¶H$ / {Z¶§ÌH$ H§$nZr go àmá hmoZo dmbm
;
\ 0.00 0.00
8 ^maVr¶ [aOd© ~¢H$ ‘| O‘m (~r‘m A{Y{Z¶‘, 1938 H$s IÊS> 7 Ho$ AZwgaU ‘|)
Deposit with Reserve Bank of India 0.00 0.00
[Pursuant to section 7 of Insurance Act,1938]
9 AÝ¶ (AÝ¶ {d{dY S>o{~Q>)/ ì`mO Cnm{O©V {H§ Vw Xoo¶ Zhr
B PB < ; Q\ 492.85 491.27
OrdZ ì¶dgm¶ go Xo¶ amer - Amount due from Life Business 0.00 0.00
Hw$b (I) - Total (B) 495.52 493.55
Hw$b (H$+I) Total (A+B) 495.52 493.55
318
318
62 nd Annual Report
AZwgyMr - 13 Mmby Xo¶VmE§

SCHEDULE - 13 CURRENT LIABILITIES
(` bmIm| ‘|)
(` in lakhs)
1 E§OQ>m| Ho$ eof/Agents Balances 0.00 0.00
2 AÝ¶ ~r‘m H§$n{Z¶m| H$mo Xo¶ am{e
Balances due to other insurance companies 0.00 0.00
3 nwU~mr©‘m A§VaU na Ym[aV O‘m
Deposits held on reinsurance ceded 0.00 0.00
4 A{J«‘ ê$n ‘| àmá n«r‘r¶‘
Premiums received in advance 0.00 0.00
5 Amd§{QV Zhr Hr JB© àr[‘¶‘ - Unallocated Premium 0.00 0.00
6 \w Q>H$a boZXma - Sundry Creditors 0.00 0.00
7 ghm¶H$/{Z¶§ÌH$ H§$nZr H$mo Xo¶
; \ 0.00 0.00
8 ~H$m¶m Xmd|
Claims Outstanding 11.86 10.46
9 ~H$m¶m Añdm{‘H$ am{e / O‘m
B * \ 28.28 3.05
10 A{YH$m[a¶m| / {ZXoeH$m| H$mo Xo¶
; BJ \; 0.00 0.00
11 AÝ¶ (AÝ¶ {d{dY Ho«${S>Q²>g)
Others (Other Misc. Credits)
i) ~H$m¶m H${‘eZ / Outstanding Commission 0.05 0.05
ii) {Zdoe {Z¶§ÌU / Investment control 0.00 0.00
iii) B§Q>a H$m¶m©b¶ ImVm / BJ 1410.08 2363.70
iv) AÝ¶ Xo¶VmE§ / Other Liabilities 0.63 0.26
Hw$b / TOTAL 1450.90 2377.52
AZwgyMr - 14 àmdYmZ
SCHEDULE - 14 PROVISIONS
(` bmIm| ‘|)
(` in lakhs)
1 Ag‘má Omo{I‘ Ho$ {bE Ama{jV
Reserve for unexpired Risk 0.00 0.00
2 H$amYmZ Ho$ {bE (KQ>mBE ^wJVmZ Ed§ ómoV na H$a H$Q>m¡Vr)
For taxation (less payments and taxes deducted at source) (237.27) 161.46
3 àñVm{dH$ bm^m§e Ho$ {bE
For proposed dividends 250.43 837.32
4 bm^m§e {dVaU H$a Ho$ {bE
For dividend distribution tax 0.00 0.00
5 AÝ¶ ({Z{X©ï> {H$¶m OmEJm)
B P Q 0.00 0.00
Hw$b / TOTAL 13.16 998.78
319
AmH${ñH$_ Xo`VmE§
CONTINGENT LIABILITIES
(` bmIm| ‘|)
(` in lakhs
1 Am§{eH$ én go {Zdoe MwH$Vm
Partly paid up investments 0.00 0.00
2 Xmdm§ h¡o, Zr{V`mo§ Ho$ {Ibm\$ AÝ` H$r VwbZm _o§, H§$nZr Ûmam F$U Ho$ én _o§ ñdrHma Zhr§.
Claims,other than against policies,not acknowledged as debts by the company 0.00 0.00
3 {ZåZm§H$Z n«{V~ÕVm eof (eoàmo§ Am¡a n«{V^y{V`mo§ Ho$ g§~§Y _o§)
Underwriting commitments outstanding (in respect of shares and securities) 0.00 0.00
4 Ûmam `m H§$nZr H$r Amoa go {X JB© Omo{I_
Guarantees given by or on behalf of the company 0.00 0.00
5 {ddmX _o§ d¡Y{ZH$ _m§Jmo/Xo`VmE§ Ho$ {bE n«XmZ Zhr§
,; \& #
0.00 0.00
6 nwZ~r©_m Xm{`Ëdmo§ Ho$ {bE gr_m VH$ n«XmZ Zhr§
Reinsurance obligations to the extent not provided for 0.00 0.00
7 AÝ`/ Others 0.00 0.00
Hw$b/ TOTAL 0.00 0.00

-!%\20G0M9A -!%\00/K3G,
g.H«$./M.No.033632 g.H«$./ M.No. 205702
-!%\009GK2%\%G0000H -!%\000KMG
g.H«$./M.No. 088810 g.H«$./M.No. 073124
}
-!%\000K09 -!%\L2202K" {ZJ‘ Ho$ gXñ¶
E{bg Or d¡X`Z
P-:Q
g.H«$./ M.No. 104126 g.H«$. M.No. 014854
-!%\00MMGL, -!%\202K/0A\A200LGG
g.H«$./M.No. 233399 g.H«$./M.No. 109859
gZXr boImH$ma
‘w§~B©… 14 OyZ, 2019

320
320
62 nd Annual Report
31 cee®e&, 2019 keÀes meceeHle

Je<e& kesÀ efueS ÒeyebOeve efjHeesì&
Management Report
For the year ended 31st March, 2019
321

31 ‘mM©, 2019 Ho$ g‘má df© Ho$ {bE à~§YZ H$s [anmoQ>©
31 ‘mM©, 2019 H$mo g‘má {dÎmr¶ df© Ho$ {bE {ZJ‘ Ho$ àMmbZm| Ho$ g§~§Y ‘|, à~YZ EVX² Ûmam nw{ï> H$aVm h¡, à‘m{UV H$aVm h¡ Am¡a KmofUm H$aVm h¡ {H$:
1. hebpeerkeÀjCe hećeeCehe$e
{ZJ‘ Zo ~r‘m {d{Z¶m‘H$ Ed§ {dH$mg àm{YH$aU go n§OrH$aU Ho$ ZdrH$aU H$m à‘mUnÌ H$a {b¶m h¡ h¡ Am¡a dh {d{Y‘mÝ¶ ~Zm hþAm h¡& {ZJ‘ Zo
àm{YH$aU Ûmam {d{ZYm©[aV n§OrH$aU H$s eVm] H$m nmbZ {H$¶m h¡&
2. JewOeeefvekeÀ yekeÀe³ee
{ZJ‘ Zo, gm§{d{YH$ àm{YH$aUm| H$mo ^wJVmZ ¶mo½¶ g^r Xo¶ YZam{e¶m| H$m ^wJVmZ H$a {X¶m h¡, {gdm¶ {ZåZ{b{IV Ho$:
keÀ) efJelleer³e efJeJejCees kesÀ DeefYevve Yeeie uesKeeW keÀer efìHHeCeer ceW DeekeÀefmcekeÀ osveojefj³eeW kesÀ Debleie&le He´keÀì efkeÀ³es efJe®eejeefOeve ceeceues~
Ke) keÀce&®eeefj³eeW kesÀ Jesleve SJeb DeefYekeÀlee&DeeW keÀes Yegieleeve efkeÀ³es ie³es keÀceerMeve mes Dee³ekeÀj kesÀ Heéfle keÀer ieF& keÀìewleer efkeÀ OevejeefMe kegÀue efceueekeÀj
`10684.48 ueeKe (efHeíues Je<e& `11298.15 ueeKe nw)
J) ^dZ/godm AZwajU R>oHo$Xmam|, nm°{bgrYmaH$m| Am¡a ^{dî¶ {Z{Y àm{YH$mar¶m| H$mo {H$E JE ^wJVmZm| go Am¶ Ho$ à{V H$s JB© H$Q>m¡Vr H$s YZam{e
Hw$b {‘bmH$a ` 65.32 bmI énE ({nN>bo df© ` 401.10 bmI énE)
3. hetbpeer
H|${Ð¶ gaH$ma Ûmam, ^maVr¶ OrdZ ~r‘m {ZJ‘ A{Y{Z¶‘, 1956 H$s Ymam 5 ‘| {H$E JE g§emoYZ Ho$ AZwgma, {ZJ‘ ‘| bJm¶r J¶r ny§Or ‘o§ H$moB©
~Xbmd Zhr h¡&
4. hetbefpe³eeW keÀe efveJesMe
à~§YZ Zo, ^maV ‘| Omar H$s JB© nm°{bgr Ho$ YmaH$m| H$s {Z{Y¶m| H$m {Zdoe àË¶j ¶m namoj ê$n go ^maV Ho$ ~mha Zht {H$¶m h¡&
5. keÀjoeve#ecelee ceeefpe&ve
à~§YZ Bg ~mV H$s nw{ï> H$aVm h¡ {H$ AmB© Ama S>rE AmB© Ho$ {d{Z¶‘m| Ho$ AZwgma Ano{jV F$U emoYZ ‘m{O©Z, ~ZmE aIm J¶m h¡&
6. heefjmebheefÊe³eeW keÀe cetu³eebkeÀve
{H$gr g§^m{dV j{V Ho$ {bE, VwbZ-nÌ H$s VmarI H$m ¶WmpñW{V, g^r n[ag§n{Îm¶m| Ho$ ‘yë¶m| H$s g‘rjm H$s JB© h¡ Am¡a à~§YZ H$s am¶ ‘| VwbZ-nÍm
‘| àñVwV H$s JB© n[ag§n{Îm¶m§, F$U, {Zdoe, EOo§Qmo§ Ho$ eof, ~H$m¶m àr{‘¶‘, ã¶mO bm^m§e Am¡a ~H$m¶m {H$amE, ã¶mO, bm^m§e, Am¡a Cn{MV na§Vw
AXo¶ {H$amE, AÝ¶ ì¶{º$¶m| ¶m ~r‘m ì¶dgm¶ MbmZo dmbo {ZH$m¶m| go Xo¶ YZam{e¶m§, {d{dY XoZXma, ZH$Xr Am¡a AÝ¶ boIo Ho$ A§VJ©V {d{Z{X©ï> Hw$N>
‘X| erf©H$m| Ho$ A§VJ©V A{YH$ go A{YH$ CZHo$ dgybr¶mo½¶ ¶m ~mOma ‘yë¶ H$s Hw$b YZam{e ‘| Xem©¶r JB© h¡§&
7. peerJeve yeercee efveefOe³eeW keÀe Fmlesceeue leLee efveJesMe
~r‘m {Z{Y Ho$ {H$gr ^r ^mJ H$m AZwà¶moJ, àË¶j ¶m namoj én go, OrdZ ~r‘m {ZJ‘ Ho$ AZwà¶moJ Am¡a {Zdoe go g§~§{YV, ~r‘m A{Y{Z¶‘, 1938
(138 H$m 4) g§g§mo{YV ~r‘m H$mZyZ (g§gmo{YV) A{Y{Z¶‘ 2015 Ho$ Cn~§Ym| H$m C„§KZ H$aHo$ Zht {H$¶m J¶m h¡&
8. mecemle peesefKeceW leLee GvnW keÀce keÀjves kesÀ efueS Ghee³e
H$. {Zdoem| H$mo H«o${S>Q>, n[aemoYZ Am¡a ã¶mO Xa Omo{I‘m| Ho$ à{V A{^ì¶º$ {H$¶m J¶m h¡& h‘, {Zdoe na AmB©AmaS>rEAmB© Am¡a ~r‘m A{Y{Z¶‘,
1938 O¡gm H$s ~r‘m H$mZyZ (g§emo{YV) A{Y{Z¶‘ 2015 Ho$ Ûmam g§emoYZ Ûmam [d{ZYm©[aV {Xem{ZX}em| H$m nmbZ H$a aho h¢& {Zdoe H$mo H§$nZr-
dma Am¡a CÚmoJ-dma aIm J¶m h¡& {Zdoe Am‘Vm¡a na Eogo {dboImo ‘| {H$E JE h¢, {OZH$m ‘yë¶ {ZYm©aU EE Am¡a Bggo Cna {H$¶m J¶m h¡ Am¡a
BgHo$ níMmV BZH$s {Za§Va ‘m°ZrQ>[a¨J H$s JB© h¡&
I. {ZJ‘ H$s AdYmaU gr‘m go Cna, A{YH$ Omo{I‘ E³gnmoOa H$m ‘wH$m~bm “ñdrg ar”, “å¶w{ZI ar”, Or. AmB©. gr. ar Ed§ Ama. Or. E. ar Ho$
gmW nwZ: ~r‘m Ho$ O[aE {H$¶m J¶m h¡&
322
322
62 nd Annual Report
LIFE INSURANCE CORPORATION OF INDIA

MANAGEMENT REPORT FOR THE YEAR ENDED 31ST MARCH, 2019
With respect to the operations of the Corporation for the Financial Year ended 31st March, 2019, the Management of the Corporation
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{ZJ‘ Ho$ àMmbZ VrZ Xoem| AWm©V² ¶y.Ho$. ’$sOr Am¡a ‘mareg ‘| h¢& h‘| H$moB© Xoe g§~§Yr Omo{I‘ Zht h¡ ³¶mo{H$ BZ Xoem| ‘| nm°{b{g¶m| H$m àñVmd Ho$db
g§~§{YV Xoe H$s ‘wÐm ‘| {X¶m OmVm h¡ Am¡a Xoe ‘| àmá Am¶ H$m {Zdoe ^r Cgr Xoe ‘| {H$¶m OmVm h¡, {gdm¶ J¡a-¶y.Ho$. B{¹${Q>¶m| Ho$ O[aE ¶y.Ho$. ‘|
EH$ bKw {Zdoe Ho$&
10. {nN>bo 5 dfm} Ho$ {bE ñdrH¥$V naÝVw ^wJVmZ Z {H$¶o J¶o Xmdm| Ho$ Am§H$‹S>m| (‘¥Ë¶w Am¡a n[an¹$Vm) H$s Ad{Y {ZåZ{b{IV h¢:
na§namJV ì¶dgm¶:
Ad{Y 2018-19 2017-18 2016-17 2015-2016
Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer
g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|)
30 {XZ 330461 1892.00 82737 504.36 129166 583.65 670 33.17
30 {XZ go 6 ‘{hZo 343746 2053.50 46284 444.65 145463 660.31 1932 84.27
6 ‘{hZo go 1 df© 4028 35.48 4597 36.33 612 3.02 1650 77.65
1 df© go 5 df© 21002 61.30 14203 80.36 848 4.94 1966 67.85
5 df© Am¡a Cggo AmJo 0 0 0 0 0 0 0 0
Ad{Y 2014-2015
Xmdm| H$s g§»¶m amer (` H$amo‹S> ‘|)
30 {XZ 13762 338.25
30 {XZ go 6 ‘{hZo 7205 161.76

6 ‘{hZo go 1 df© 1003 20.65
1 df© go 5 df© 1367 18.38
5 df© Am¡a Cggo AmJo 0 0
g§~§Õ ì¶dgm¶:
Ad{Y 2018-19 2017-18 2016-17 2015-16
Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer Xmdm| H$s amer
g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|) g§»¶m (` H$amo‹S> ‘|)
30 {XZ 9935 57.41 190855 1487.53 22959 154.21 10526 62.24
30 {XZ go 6 ‘{hZo 21940 118.98 73382 488.72 35400 237.77 13944 82.45
6 ‘{hZo go 1 df© 10146 67.50 8667 62.93 8668 58.22 5899 34.88
1 df© go 5 df© 15468 148.80 13593 127.06 10898 73.20 19350 114.41
5 df© Am¡a Cggo AmJo 0 0 0 0 0 0 0 0
Ad{Y 2014-2015
Xmdm| H$s g§»¶m amer (` H$amo‹S> ‘|)

30 {XZ 13340 185.57
30 {XZ go 6 ‘{hZo 9759 135.75
6 ‘{hZo go 1 df© 2893 40.24
1 df© go 5 df© 6373 88.66
5 df© Am¡a Cggo AmJo 0 0
324
324
62 nd Annual Report
9 Operations in other Countries
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20

P Q
G [
Traditional Business:
Period 2018-19 2017-18 2016-17 2015-2016

\ Amount \ Amount \ Amount \ Amount
claims (` in crore) claims (` in crore) claims (` in crore) claims (` in crore)
L0 330461 1892.00 82737 504.36 129166 583.65 670 33.17
L0 H 343746 2053.50 46284 444.65 145463 660.31 1932 84.27
H 2 4028 35.48 4597 36.33 612 3.02 1650 77.65
2 G 21002 61.30 14203 80.36 848 4.94 1966 67.85
G 0 0 0 0 0 0 0 0
Period 2014-2015
\"; Amount
(` in crore)
L0 13762 338.25
L0 H 7205 161.76
H 2 1003 20.65
2 G 1367 18.38
G 0 0
Linked Business:
Period 2018-19 2017-18 2016-17 2015-16

\ Amount \ Amount \ Amount \ Amount
claims (` in crore) claims (` in crore) claims (` in crore) claims (` in crore)
L0 9935 57.41 190855 1487.53 22959 154.21 10526 62.24
L0 H 21940 118.98 73382 488.72 35400 237.77 13944 82.45
H 2 10146 67.50 8667 62.93 8668 58.22 5899 34.88
2 G 15468 148.80 13593 127.06 10898 73.20 19350 114.41
G 0 0 0 0 0 0 0 0
Period 2014-2015
\"; Amount
(` in crore)
L0 13340 185.57
L0 H 9759 135.75
H 2 2893 40.24
2 G 6373 88.66
G 0 0
325
11. efveJesMeeW keÀe cetu³eebkeÀve

(H$) J¡a-g§~§Ó ì`dgm`:
VwbZ nÌ ‘| ¶Wm X{e©V J¡a-g§~§Õ ì¶dgm¶ Ed§ A§eYmaH mo§ H s [ZYr Ho$ {Zdoem| Ho$ ‘yë¶ Am¡a CZH$m ~mOma ‘yë¶ {ZåZ{b{IV VarHo$
go {ZH$mbo JE h¡§:
{Zdoe ‘yë¶m§H$Z H$s nÕ{V
1. F$U à{V^y{V¶m§ H$) gaH$mar à{V^y{V¶m| Am¡a {d‘moÀ¶ A{Y‘mZr eo¶am| g{hV g^r F$U à{V^y{V¶m| H$m ‘yë¶m§H$Z, n[aemoYZ H$s
eV© Ho$ AYrZ, Eo{Vhm{gH$ bmJV na {H$¶m J¶m&
I) boIm-~{h¶m| ‘| J¡a-{ZînmXZ F$Um| Ho$ à{V àmdYmZ AmB©AmaS>rEAmB© Ho$ {Xem{ZX©oem| Ho$ AZwgma {H$E JE h¡&
2. g{H«$¶ ê$n go ì¶mnma {H$E JE B{¹$Q>r eoAa BZH$m ‘yë¶m§H$Z, ZoeZb ñQ>m°H$ E³gM|O (EZ Eg B©) Ohm§ do gyMr~Õ h¡, ‘o§ A§{V‘ CÕíV ³bmoqOJ ‘yë¶ na
{H$¶m J¶m Wm& ¶{X AmboI EZ.Eg.B©. ‘o gyMr~Õ Zht h¡ Vmo ~r.Eg.B©. Ho$ ³bmoqOJ ‘yë¶ na {H$¶m J¶m&
3. Demet®eerye× leLee meef¬eÀ³e ªhe mes yes®es ieS FeqkeÌJeìer FvekeÀer keÀercele hejbhejeiele ueeiele ceW mes Ssmes efveJesMeeW kesÀ cetu³e ceW keÀceer kesÀ efueS heéJeOeeve keÀes IeìekeÀj DeebkeÀer ieF& Leer&
Mes³eme& kesÀ DeueeJee Dev³e
4. å¶wMAb ’§$S> Am¡a CÚ‘ ny§Or {Zdoe å¶wMwAb ’§$S> ‘| {H$E JE {Zdoem| H$m ‘yë¶m§H$Z, g§~{YV å¶wMwAb ’§$S> Ûmam Kmo{fV A§{V‘ CÕíV EZEdr Ho$
AmYma na {H$¶m J¶m h¡& CÚ‘ ny§Or {Zdoem| H$m ‘yë¶m§H$Z, Cg \§ S H s EZEds `m bmJV XmoZmo _| Omo H _ hmo, na
[H `m OmVm h¡ &
5. F$U BZH$m ‘yë¶m§H$Z J¡a-{ZînmXZ Ho$ à{V Eo{Vhm{gH$ bmJV ‘| go àmdYmZm| H$mo KQ>mH$a {H$¶m J¶m h¡&
6.gmd{Y O_m bmJV na _yë`m§{H$V
h‘mao A{YH$m§e {Zdoe, gaH$mar à{V^y{V¶m| Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m| ‘| h¡& h‘mao {Zdoem| Ho$ {^Þ-{^Þ nmoQ>©’$mo{b¶mo {ZåZ{b{IV h¢:
J¡a-g§~Õ ì¶dgm¶:
(` H$amo‹S> ‘|)
H«$.g§. loUr {Zdoe Hw$b H$m à{VeV
1 gaH$mar Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m§ 1846725.52 63.49%
2 {S>~|Ma / ~m§S> 280356.64 9.64%
3 H$manmoaoQ>/gaH$ma/gaH$mar {ZH$m¶ H$mo F$U 24908.73 0.86%
4 B{³dQs/A{Y‘mZr eo¶a/å¶wMwAb ’§$S> 629149.79 21.63%
5 H$m°b/gmd{Y O‘m/H$mofmJma {~b/dm{UpÁ¶H$ H$mJX-nÌ Ed§ AÝ¶ 23784.24 0.82%
6 {Zdoe g§n{Îm¶m§ 11336.26 0.39%
7 ~ÝYH$ F$U 363.85 0.01%
8 nm°{bgr F$U 92072.77 3.16%
9 AÝ¶ F$U 0.01 0.00%
Omo‹S> 2908697.81 100.00%
(g^r [Zdoe gH b _zë` na Xem©ò Jò h¡)

grAmaEgr ì¶dgm¶:
(` H$amo‹S> ‘|)
H«$.g§. loUr {Zdoe Hw$b H$m à{VeV
1 gaH$mar Am¡a AÝ¶ AZw‘mo{XV à{V^y{V¶m§ 100.32 51.03%
2 {S>~|Ma / ~m§S> 96.00 48.83%
3 B{³dQs/A{Y‘mZr eo¶a/å¶wMwAb ’§$S> 0.19 0.10%
4 H$m°b/gmd{Y O‘m/H$mofmJma {~b/dm{UpÁ¶H$ H$mJX-nÌ Ed§ AÝ¶ 0.08 0.04%
Omo‹S> 196.59 100.00
(g^r [Zdoe gH b _zë` na Xem©ò Jò h¡)
326
326
62 nd Annual Report
22 @

PQNon Linked Business :

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Sr. No. Category Investment % to total
1 $ , 1846725.52 63.49%
2 ; \+ 280356.64 9.64%
3 & \$ \$ + 24908.73 0.86%
4 " \
, \<- 629149.79 21.63%
5 \-N \ + \ : 23784.24 0.82%
6 11336.26 0.39%
7 & < 363.85 0.01%
8 92072.77 3.16%
9 & 0.01 0.00%
Total 2908697.81 100.00%
P Q
CRAC Business :
(` in crore)
1 $ , 100.32 51.03%
2 ; \+ 96.00 48.83%
3 " \
, \<- 0.19 0.10%
4 \-N \ + \ : 0.08 0.04%
Total 196.59 100.00
P Q
327
g§~ÜX ì¶dgm¶:
(H$) VwbZ-nÌ ‘| ¶Wm X{e©V g§~Õ ì¶dgm¶ Ho$ {Zdoem| Ho$ ‘yë¶ Am¡a CZHo$ ~mOma ‘yë¶ {ZåZ{b{IV VarHo$ go {ZH$mbo JE h¡:
{Zdoe ‘yë¶m§H$Z H$s nÕ{V
1. F$U à{V^y{V¶m§ ¶w{ZQ> {Z{Y¶m| H$s H|$Ðr¶ gaH$ma H$s à{V^y{V¶m|, amÁ¶ gaH$ma H$s à{V^y{V¶m|, AÝ¶ AZw‘mo{XV à{V^y{V¶m|, {S>~|Mam| Am¡a ~m§S>mo§ Ho$
‘yë¶m§H$Z, E’$ AmB© E‘ E‘ SrE Ûmam Kmo{fV {nN>br CnbãY ~mOma Xam| na {H$E JE Wo Am¡a H|$Ðr¶ gaH$ma H$s à{V^y{V¶m|, amÁ¶ gaH$ma
H$s à{V^y{V¶m|, AÝ¶ AZw‘mo{XV à{V^y{V¶m|, J¡a-¶y{ZQ> {Z{Y¶m| Ho$ {S>~|Mam| Am¡a ~m°ÝS>mo H$m ‘yë¶m§H$Z n[aemoY bmJV na {H$¶m J¶m Wm&
AmB©.Ama.S>r.E.AmB©. Ho$ Cn~§Ymo Ho$ AZwgma J¡a-{ZînmXZ H$Omo> ª Ho$ à{V boIm-~{h¶m| ‘| àmdmYmZ {H$¶m J¶m h¡&
2. g[H«` én go H mamo ~ma {H ò BZH$m ‘yë¶m§H$Z, ZoeZb ñQ>mH° $ E³gM|O EZEgB© Ohm§ do gyMr~Õ h¡, Ho$ A§{V‘ CÕíV ³bmoqOJ ‘yë¶m| na {H `m OmVm h¡& A§VamîQ—r` n{aMmbZmo
Jò B[¹ Qr eoà (AmB©.Amo.) Ho _m_bo _o§ CÝho§ ñQm°H EŠgMoO§ mo§ Ohm do gyMr~ÜX h¡ _o§ A§{V_ CÕ¥V ŠbmoqdJ à{H« `m Ho Ý`yZV_ _yë`na {ZYm©{aV {H `m OmVm
h¡&
3. J¡a gyMr~ÜX Am¡a g{HŒ ` BÝho {Zdoemo§ Ho _yë` _o§ H _r Ho {bò Eo{Vhm{gH bmJV& _| go àmdYmZ KQmZo Ho ~mX H r am{e na ^mnm J`m Wm&
én go H mamo~ma {H ò Jò
Bp¹Qr eoàmo§ Ho Abmdm
4. gmd{Y O‘m BZH$m ‘yë¶m§H$Z bmJV na {H$¶m J¶m Wm&
5. å¶wMwAb ’§$S> BZH$m ‘yë¶m§H$Z, å¶wMwAb ’§$S> Ûmam A§{V‘ CØíV EZEdr na {H$¶m J¶m Wm
g§~ÜX ì¶dgm¶:
(` H$amo‹S ‘|>)
H«$.g§. loUr {Zdoe Hy$b H$m à{VeV
1 H|$Ðr¶ gaH$ma H$s à{V^y{V¶m§ 34271.87 45.43%
2 AZw‘mo{XV ~mOma à{V^y{V¶m§ 715.75 0.95%
3 {S>~|Ma 2182.85 2.89%
4 ~m§S> 3100.00 4.11%
5 B{¹${Q>¶m§ 30669.10 40.65%
6 gmd{Y O‘m 400.95 0.53%
7 å¶wÀmwAb ’§$S> 3982.98 5.28%
8 AÝ¶ à{V^y{V¶m§ 120.74 0.16%
Omo‹S> 75444.24 100.00%
(g^r {Zdoe gH$b ‘yë¶ na {XImE OmVo h¡)
12. 2018-19 kesÀ oewjeve efveJesMeeW keÀe heóMe&ve meblees<epevekeÀ jne
vee@ve-eEuekeÌ[ J³eJemee³e leLee Mes³ejOeejkeÀ hetbpeer kesÀ meboYe& ceW efveiece ves y³eepe kesÀ leewj hej ` 169663.87 keÀjesæ[ leLee ueeYeebMe kesÀ leewj hej ` 10527.40 heéhle efkeÀ³es
nQ, efpememes Fme meeue kesÀ efueS GHepe 7.56% heéeqhle ngF& nQ efveiece ves efveJesMe mebheefÊe kesÀ efueS ` 398.39 keÀjesæ[ keÀe efkeÀje³ee, hee@efuemeer $eÝCe hej y³eepe kesÀ efueS
` 10243.54 keÀjesæ[ leLee efiejJeer $eÝCe hej y³eepe kesÀ leewj hej ` 21.13 keÀjesæ[ Yeer keÀceeS nQ FeqkeÌJeìer, mejkeÀejer heéfleYetefle³eeb leLee Dev³e heéfleYetefle³eeW ($eÝCe MeesOeve
meefnle) keÀer efye¬eÀer mes Meg× ueeYe kesÀ leewj hej ` 23334.33 keÀjesæ[ heéhle ngS, efpememes kegÀue efceueekeÀj 8.59% efkeÀ GHepe ÒeeHle ngF& nQ~
mebyebOo J³eJemee³e kesÀ mebyebOe ceW efveiece ves FefkeÌJeefì³eeW Deewj mejkeÀejer HeéfleYegefle³eeW keÀer efJeke´Àer mes ueeYe kesÀ efue³es Fme Je<e& kesÀ y³eepe kesÀ ©he ceW ` 3367.99 keÀjes[,
ueeYeebMe kesÀ jÀHe ceW ` 643.78 keÀjes[ Deewj ` 246.64 keÀjes[ efye´keÀer Je efJecees®eve mes ueeYe kesÀ jÀHe ceW HeéHle efkeÀ³es nQ~
13. 31.03.2019 H$mo ¶WmpñW{V g§~§Õ ì¶dgm¶ Ho$ {Zdb n[ag§n{Îm ‘yë¶ {ZåZ{b{IV h¡:
’§$S> â¶yMa ßbg J«oÀ¶wQ>r ßbg
~m°ÊS> 25.4283 27.1146
J«moW 44.8008 31.2907
BÝH$‘ 31.5558 31.6305
~¡b|ñS> 30.2529 29.3592
328
328
62 nd Annual Report
P+Q&' +

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Linked Business:
(` in crore)
1 $, 34271.87 45.43%
2 <' , 715.75 0.95%
3 ; 2182.85 2.89%
4 + 3100.00 4.11%
5 " 30669.10 40.65%
6 -N ; 400.95 0.53%
7 <- 3982.98 5.28%
8 B , 120.74 0.16%
Total 75444.24 100.00%
P Q
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# `. 169663.87 crore as interest and `. 10527.40
#
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%

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3/9g

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Fund Future Plus Gratuity Plus

+ 25.4283 27.1146
$ 44.8008 31.2907
31.5558 31.6305
+ 30.2529 29.3592
329
’§$S> OrdZ ßbg ‘Zr ßbg ‘mH}$Q> ßbg ’$moMw©Z ßbg àmo{’$Q> ßbg ‘Zr ßbg ‘mH}$Q> ßbg MmB©ëS
’$moMw©Z ßbg
~m°ÊS> 26.5596 26.8917 30.0569 24.7103 26.7078 28.0432 24.0007 22.1720
J«moW 40.8783 21.7098 22.5448 20.0313 19.0961 26.6802 23.7867 33.9943
{g³¶moS>© 26.7528 26.4630 32.5177 23.1986 27.6033 30.0899 19.4300 29.5850
~¡b|ñS> 26.2690 25.6223 30.4359 19.2893 28.4232 26.5875 19.0890 26.2880
’§$S> OrdZ gmWr E§S>mod‘|Q> ßbg Ý¶y E§S>mod‘|Q> ßbg
ßbg
~m°ÊS> 20.7675 19.9599 13.4734
J«moW 20.8895 20.8311 13.7037
BÝH$‘ 20.6529 18.4317 13.5938
~¡b|ñS> 21.0107 19.1282 13.5914
’§$S> EZEdr
hoëW ßbg 22.9365
hoëW àmoQ>o³eZ ßbg 21.7544
g‘¥{Õ ßbg 20.7333
’§$S> noÝeZ ’§$S> âb¡³gr ’§$S>

S>oãQ> 19.4743 16.7408
{‘³ñS> 19.1036 16.8866
’§$S> ~§X H$s JB© nm°{b{g¶m| hoVw H$mof

bmB’$ 13.0975
14. 31 cee®e&, 2019 keÀes kegÀue ` 402974.98 keÀjesæ[ kesÀ $eÝCe ceW mes Devepe&keÀ heefjmebheefÊe³eeb ` 24777.22 keÀjesæ[ nQ peneB DeJeceevekeÀ heefjmebheefÊe ` 1312.05 keÀjesæ[ nQ,
JenerB mebefoiOe mebheefÊe³eeb ` 16692.35 keÀjesæ[ leLee vegkeÀmeeveoe³ekeÀ mebheefÊe³eeb ` 6772.82 keÀjesæ[ keÀer nQ DeeF&Deej[erSDeeF& efoMeeefveoxMeeW kesÀ Devegmeej yener-Keeles ceW
Devepe&keÀ mebheefÊe³eeW kesÀ efueS ` 23760.84 keÀjesæ[ keÀer jeefMe keÀe heéJeOeeve efkeÀ³ee ie³ee h¡& (` H$amo‹S> ‘|)
n[ag§n{Îm¶m§± àmdYmZ
Ad‘mZH$ 1312.05 296.23
g§{X½Y n[ag§n{Îm¶m§ 16692.35 16691.79
hm{Z n[ag§n{Îm¶m§ 6772.82 6772.82
Omo‹S> 24777.22 23760.84
‘mZH$ 378197.76 1694.88
gH$b Omo‹S> 402974.98 25455.72
{Zdoe EZnrE
+
gH$b 402974.98 24777.22
EZnrE àmdYmZ 23760.84 23760.84
ewÕ pñW{V 379214.14 1016.38
330
330
62 nd Annual Report
Fund Jeevan Money Plus Market Plus Fortune " Money Market Child
Plus Plus Plus I Plus I Fortune
Plus
+ 26.5596 26.8917 30.0569 24.7103 26.7078 28.0432 24.0007 22.1720
$ 40.8783 21.7098 22.5448 20.0313 19.0961 26.6802 23.7867 33.9943
, 26.7528 26.4630 32.5177 23.1986 27.6033 30.0899 19.4300 29.5850
+ 26.2690 25.6223 30.4359 19.2893 28.4232 26.5875 19.0890 26.2880
Fund Jeevan
^; ^
Sathi Plus Plus
^;
Plus
+ 20.7675 19.9599 13.4734
$ 20.8895 20.8311 13.7037
, 20.6529 18.4317 13.5938
+ 21.0107 19.1282 13.5914
Fund NAV
( 22.9365
( 21.7544
, 20.7333
Fund Pension Plus Flexi Plus

; 19.4743 16.7408
<N 19.1036 16.8866
Fund Discontinued Fund

&
13.0975
2M 4
L2st March, 2019 are `/MKKK//

`M0/9KM93 4
asset is `2L2/0G
`.16692.35 crore and loss assets are `HKK/3/

`/LKH03M !; '
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4
H2Gg % 0/Kg
(`. in crore)
Asset Provision
,, 1312.05 296.23
;
16692.35 16691.79
& 6772.82 6772.82
Total 24777.22 23760.84
, 378197.76 1694.88
Grand Total 402974.98 25455.72
Investment NPA
+
$ 402974.98 24777.22
% 23760.84 23760.84
Net position 379214.14 1016.38
331
EZnrE Am¡a {Zdoe H$m AZwnmV

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ewÕ EZnrE 0.27
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{Zdoem|/n[ag§n{Îm¶m| Ho$ ‘yë¶ ‘o j{V/VZwH$aU Ho$ {bE n¶m©á àmdYmZ, Ohm§ H$hr Amdí¶H$ hmo, H$a {X¶m J¶m h¡&
16. 2048 emImAm| ‘| go 1662 emImE§, Omo 81.15 à{VeV H$mo Xem©Vr h¢, A~ ~¢H$ g§amYZ ‘| ~mø ‘Xm| go nyar Vah ‘wº$ h¡& g§amYZ ‘| ~mø ‘Xm| H$m
{ZnQ>mZ H$aZo Ho$ {bE ~mH$s H$m¶m©b¶m| Ûmam OmoaXma à¶mg {H$E Om aho h¢&
17. 31 ‘mM© 2019 H$mo ¶WmpñW{V, A{âjH$m| Ho$ gmW h‘mao hmopëS>¨½O Ho$ g§amYZ H$s pñW{V {Za§Va h¡ Am¡a AÚVZ pñW{V ZrMo Xr JB© h¡…
A§Va (*)
YZam{e H$amoS> ê$. ‘| loUr {Zdoe H$m à{VeV
Bp³dQ>r eo¶a 0.28 0.00007
{S>~|Ma Am¡a ~m°ÊS> 10.74 0.004
* Cnamo³V YZam[e, ~rAmBE\ Ama/S>rAmaQ>r/grS>rAma Ho$ nmg b§{~V ‘m‘bm| Ho$ {bE/F$U ‘moMZ Ho$ {bE n[ag‘mnH$/H§$nZr H$mo Aä¶{n©V {S>~|Mam| Am¡a
H$mZyZr ‘wH$X‘m| Ho$ A§VaJV Bp³dQ>r go g§~§{YV h¡. A§Va H$m g§amYZ Ho$db V^r {H$¶m OmVm h¡,O~ H§$nZr/n[ag‘mnH$ go {~H«$s H$s YZam{e àmßV hmo
OmE ~r AmB© E\ Ama/S>r Ama Q>r/gr S>r Ama go {ZU©¶ àmßV hmo OmE.
Hw$b A§Va ‘hËdnyU© Zht h¡. {Zdoem| H$m g§amYZ X¡{ZH$ AmYma na {H$¶m OmVm h¡&
18. Hw$N> F$Um|, A{J«‘m|, EO|Q>mo Ho$ eofm|, {d{dY boZXmam| Ho g§~§Y ‘| Hw$N> ‘m‘bm| ‘| eofm| H$s nw{ï> àmßV Zht hþB© h¡. à~§YZ H$s am¶ h¡ {H$ nw{ï> Ho$ àmßV Z
hmoZo Am¡a CgHo$ n[aUm‘r g§amYZ H$m, boImAm| na nS>Zo dmbo à^md Ho$ ‘hËdnyU© hmoZo H$s g§^mdZm Zht h¡&
19. CZ nm{Q>©¶m| Am¡a boZXoZm| Ho$ Abmdm, Omo AZwgyMr 15-J (A{V[a³V {dJmonZ) H$s {Q>ßnUr (8) Ho$ A§VJ©V gyMr~Õ h¡, Eoogr H$moB© AÝ¶ nm{Q>©¶m§ Am¡a
boZXoZ Zht h¡ {OZH$m {dJmonZ g§~§{YV nmQ>u boZXoZm| Ho$ A§VJ©V {H$¶m OmZm Amdí¶H$ h¡&
20. Or.~r.{Z n|eZ {Z{Y {b. Ed§ Or.~r.{Z H$mS>© g{d©goO {b. Ho$ nj ‘§o H«$‘e… ` 978.54 bmI Am¡a ` 763.08 bmI H$s Omo am{e¶m§ àemg{ZH$ à¶moÁ¶
go ì¶¶ H$s J¶r h¡ CZHo Ûmam BgH r à{VeVr© H r Om ahr h¢&
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Mmby df© {nN>bm df©
H$. Ae§V… àXËV {Zdoe ` 20 bmI ` 20 bmI
I. F$Um| Ho$ ê$n ‘| Z ‘mZo JE {ZJ‘ Ho$ {dê$Õ Xmdo, nm°{b{g Xmdm| Ho$ Abmdm ` 588 bmI ` 1388 bmI
J. gm§{d{YH$ ‘m§Jo/{ddm{XV Xo¶VmE§ {OZH$m àmdYmZ Zht {H$¶m J¶m ` 1908810 bmI ` 2305703 bmI
K. AÝ¶
• ~r_mo§ go g§~§{YV Xmdo§ Omo§ _wH$X_mo§ Ho$ A{YZ h¡ ` 37761 bmI ` 25816 bmI
• _wH$X_m{YZ Xmdo§ Omo ~r_mYmaH$mo§ Ho$ Zhr h¡§ `8499 bmI `3293 bmI
• d{aîR ZmJ{aH$ H$ë`mU {Z{Y H$r ñWmZm§V{aV eyÝ` ` 3524 bmI

*DeeF&Deej[erSDeeF& heefjhe$ekeÀ meboYe&: !;\-:\!\<,\20G\0K\/023, efoveebkeÀ 11 pegueeF&, 2018 kesÀ Devegmeej efJeÊeer³e Je<e& 2018-19 mes
yeerceekeÀlee&DeeW keÀes Deheves efJeÊeer³e efJeJejCe kesÀ SkeÀ Debie kesÀ leewj hej DeekeÀeqmcekeÀ os³eleeDeeW kesÀ mJe©he ceW Jeefjÿ veeieefjkeÀ keÀu³eeCe efveefOe (Smemeer[yu³etSHeÀ) ceW oer
ieF& jeefMe he´keÀì keÀjvee ]peªjer veneR nQ
332
332
62 nd Annual Report
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22. à~§YZ EVX²Ûmam EH$ {Oå‘oXma A{^H$WZ àñVwV H$aVm h¡ {Og‘| Xem©¶m J¶m h¡ {H$…
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ñnï>rH$aUm| Ho$ gmW ¶Wm g§^d gr‘m VH$ {H$¶m J¶m h¡&
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h¡ Vm{H$ {dËVr¶ df© Ho$ A§V ‘| {ZJ‘ H$mo H$mamo~ma H$s Am¡a Cg df© Ho$ {bE {ZJ‘ Ho$ àMmbZ bm^ ¶m hm{Z H$s ghr Am¡a C{MV Vñdra àñVwV
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J. n«~§YZ Zo {ZJ‘ H$s n[ag§npËV¶m| H$s ajm H$aZo Ho$ {bE Am¡a YmoImKS>r VWm AÝ¶ {d{Z¶{‘VVmAm| H$mo amoH$Zo VWm CZH$m nVm bJmZo Ho$ {bE ~r‘m
A{Y{Z¶‘ 1938(1938 H$m 4) O¡gm H$s ~r_m H$mZyZ (g§gmo{YV) A{Y{Z¶‘ 2015 Ho$ Ûmam g§gmoYZ Cn~§Ymo Ho$ AZwgma n¶m©ßV boIm§H$Z [aH$mS>©
aIZo Ho$ {bE C{MV Am¡a n¶m©ßV gmdYmZr ~aVr h¡&
K. à~§YZ Zo ¶h {dËVr¶ {ddaU EH$ “Am°ZJmoB§J H§$gZ©” AmYma na V¡¶ma {H$E h¡&
S>. {ZJ‘ {H$gr Q´>ñQ> Ho$ Q´>ñQ>r Ho$ ê$n ‘| H$m¶© Zht H$aVm&
M. n«~§YZ Zo ¶h gw{Z{üV {H$¶m h¡ {H$ g§JR>Z Ho$ AmH$ma Am¡a ì¶dgm¶ Ho$ ñdê$n Ho$ AZwê$n Am§V[aH$ boIm àUmbr ‘m¡OyX h¡. nm°{bgr F$U, Xmdm
g§{dVaUm| AMb n[ag§npËV¶m§, g§nXm à~§YZ Am¡a ¶w{bn à~§YZ O¡go Hw$N> joÌm| ‘| Am§V[aH$ boIm àUmbr H$mo A{YH$ gwÑT> ~Zm¶m Om ahm h¡&
23. Eogo ì¶p³V¶m|, \ ‘m], H§$n{Z¶m| Am¡a g§KQ>Zm| H$mo H$moB© ^wJVmZ Zht {H$E JE h¡ {OZ‘| {ZJ‘ Ho$ {ZXoeH$ ê${M aIVo h¡&
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334
334
62 nd Annual Report
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CHAIRMAN
MANAGING DIRECTOR
EXECUTIVE DIRECTOR (INVESTMENT/OPERATIONS) CHIEF (F&A) APPOINTED ACTUARY
335
ACCOLADES RECEIVED
DURING
2018- 2019
276
Readers Digest awardss
Platinum category-
Life Insurance
Money Today Award

Life Insurance
provider of the Year
Golden peacock Award

National Training
India’s Best Company of India’s No. 1 Brand

the Year IBC Infomedia Awards 2019 IBC
Corp USA Infomedia Crop USA
8th Annual Greentech

HR Excellence award
IAA Leadership award
WPP Brand Top 75 Most
Marketer of
Valuable Indian Brands 2018
the Year-Insurance
2nd Most Valuable Brand
BFSI Digital
Innovation award
ABP News BFSI Award ABP News BFSI Award

Claims Service leader Best Life Insurance Company
ABP News BFSI Award Insurance

Company of the Year
278
Brand Icon award Aashirwad Awards
Times of India OLI
ET NOW BFSI Award Insurance ET NOW BFSI Award

Company of the Year Product Innovation
of the year-Jeevan Shanti
Dun & Bradstreet BFSI Awards 2019 D & B India’s Top

India ‘s Leading Life Insurance company
PSU Awards 2018
ABCI AWARD
Web Communication
Online campaign
Dhanam Banking Finance ABCI AWARD

Insurance & Investment Award Corporate Intranet
Life Insurance Company of the Year
ABCI AWARD
Internal Magazine
Yogakshema
ABCI AWARD
ABCI AWARD Wall Paper for
Photofeature
Yogakshema magazine
Yogakshema magazine
280
cetu³eebkeÀve DeefOeMes<e ceW mejkeÀej kesÀ efnmmes keÀes
meeQHeles ngS DeO³e#e
Chairman handing over Government’s share of
Valuation Surplus
Þeer Jeer.kesÀ. Mecee&, DeO³e#e ceeveveer³e keWÀêer³e efJeÊe ceb$eer

Þeer De©Ce pesìueer keÀes ` 2430.19 keÀjesæ[ kesÀ cetu³eebkeÀve DeefOeMes<e keÀe ®eskeÀ
Þeer Heer jeOeeke=À<Ceve, jep³e ceb$eer (efJeÊe),
Þeer efiejerMe ®ebê cegcet&, efJeMes<e meef®eJe, jepemJe efJeYeeie, Þeer osyeeMeer<e Heeb[e,DeefleefjÊeÀ meef®eJe, efJelleer³e mesJeeSb efJeYeeie,
Þeer nsceble Yeeie&Je, HeýebOe efveosMekeÀ, Þeer yeer JesCegieesHeeue, HeýebOe efveosMekeÀ,
Þeerceleer megveerlee Mecee&, HeýebOe efveosMekeÀ keÀer GHeefmLeefle ceW Heóeve keÀjles ngS ~
Shri V.K. Sharma, Chairman presenting the valuation surplus cheque of Rs. 2430.19 Crores to
Shri Arun Jaitley, Hon’ble Union Minister of Finance in the presence of
Shri P. Radhakrishnan, Minister of State (Finance),
Shri Girish Chandra Murmu, Special Secretary, Department of Revenue,
Shri Debasish Panda, Additional Secretary, DFS, Shri Hemant Bhargava, Managing Director,
Shri B. Venugopal, Managing Director, Smt Sunita Sharma, Managing Director.
3
à_wI
Chief

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efveiece kesÀ Jele&ceeve meom³e

CURRENT MEMBERS OF THE CORPORATION

Þeer Sce. Deej. JegÀceej, DeO³e#e

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OUR VALUES OUR CULTURE

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Ke) efJeosMeer meb³egÊeÀ kebÀheveer :

peerJeve yeercee efveiece (Sue DeeF& meer) yeebiueeosMe efueefceìs[, yeebiueeosMe :-

keÀe@ue meWìj mesJeeSb :

cetue mesJeeDeeW kesÀ efueS heesì&ue hej hebpeerke=Àle ie´enkeÀ

efJeefMeä mesJeeDeeW kesÀ efueS heesì&ue hej hebpeerke=Àle ie´enkeÀ

he´erefce³ece Yegieleeve kesÀ efueS JewkeÀequhekeÀ ceeO³eceë

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2015-16 16,424 2,784 462 %& %& %&

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2017-18 12,937 2,242 292 %& %& %&

2018-19 12,653 2,184 347 %& %& %&

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kegÀue 17513.85 16437.01

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