ANNUAL REPORT ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY

Transcription

1 ANNUAL REPORT ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY Head Office Delhi Office 3 rd Floor, Parisrama Bhavan 3 rd Floor, Jeevan Tara Basheerbagh, Hyderabad Parliament Street Phone : New Delhi Fax : Phone : Fax : Website: irda@irda.gov.in i

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3 ANNUAL REPORT Letter of Transmittal To The Secretary Department of Financial Services Ministry of Finance 3 rd Floor, Jeevandeep Building Parliament Street New Delhi December 10, 2008 Sir, In accordance with the provisions of Section 20 of the Insurance Regulatory and Development Authority Act, 1999, we are sending herewith a copy of the Annual Report of the Authority for the financial year ended 31 st March, 2008 in the format prescribed in the IRDA (Annual Report Furnishing of returns, statements and other particulars) Rules, 2000, notified on 14 th June, 2000 in Part II of Section 3, Sub Section (ii) of the Gazette of India, Extraordinary. ii

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5 ANNUAL REPORT CONTENTS MISSION STATEMENT TEAM AT IRDA OVERVIEW... 1 Performance in the first half of PART I POLICIES & PROGRAMMES A) General economic environment... 5 B) Appraisal of the insurance market... 9 i) World insurance scenario ii) Indian insurance industry Life insurance Non-life insurance C) Research and development department D) Review (i) Protection of interests of policyholders (ii) Maintenance of solvency margins of insurers (iii) Monitoring of re-insurance (iv) Monitoring of investments of the insurers (v) Health insurance (vi) Business in the rural and social sector (vii) Financial Reporting and actuarial standards I) Financial Reporting II) (a) Appointed Actuary System (b) Actuarial Standards (viii) Crop Insurance (ix) Micro-Insurance (x) Directions, Orders and Regulations issued by the Authority (xi) Right to Information Act, PART II REVIEW OF WORKING AND OPERATIONS (i) Regulation of insurance and re-insurance companies (ii) Intermediaries associated with the insurance business Insurance agents Corporate agents Insurance brokers Surveyors and loss assessors iii

6 ANNUAL REPORT (iii) Litigations, appeals and court pronouncements (iv) International cooperation in insurance (v) Public complaints (vi) Insurance Associations and Insurance Councils (vii) Functioning of Ombudsman (viii) Committees (ix) Review of the advisory functions performed by the Authority PART III STATUTORY FUNCTIONS OF THE AUTHORITY a. Issue to the applicant a certificate of registration, renew, modify, withdraw, suspend or cancel such registration. b. Protection of the interests of the policyholders in matters concerning assigning of policy, nomination by policyholders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance. c. Specifying requisite qualifications, code of conduct and practical training for intermediary or insurance intermediaries and agents. d Specifying the code of conduct for surveyors and loss assessors e. Promoting efficiency in the conduct of insurance business f. Promoting and regulating professional organizations connected with the insurance and reinsurance business g. Levying fees and other charges for carrying out the purposes of the Act h. Calling for information from, undertaking inspection of, conducting enquiries and investigation including audit of the insurers, intermediaries, insurance intermediaries and other organizations connected with the insurance business i. Control and regulation of the rates, advantages, terms and conditions that may be offered by insurers in respect of general insurance business not so controlled and regulated by the Tariff Advisory Committee under section 64U of the Insurance Act, 1938 (4 of 1938) j. Specifying the form and manner in which books of account shall be maintained and statement of accounts shall be rendered by insurers and other insurance intermediaries k. Regulating investment of funds by insurance companies l. Regulating maintenance of margin of solvency m. Adjudication of disputes between insurers and intermediaries or insurance intermediaries n. Supervising the functioning of the Tariff Advisory Committee o. Specifying the percentage of premium income of the insurer to finance schemes for promoting and regulating professional organizations referred to in clause f p. Specifying the percentage of life insurance business and general insurance business to be undertaken by the insurer in the rural or social sectors q. Exercising such other powers as may be prescribed iv

7 ANNUAL REPORT PART IV ORGANIZATIONAL MATTERS i. Organization ii. Meetings of the Authority iii. Human Resources iv. Promotion of Official Language v. Status of Information Technology in IRDA vi. Accounts vii. ISO 2000 Registration viii. IRDA Journal ix. Acknowledgments BOX ITEMS 1. Trends in Life Insurance Business Unit Linked Insurance Plans Lapsation of Life Insurance Policies Health Insurance: Initiatives TEXT TABLES 1. Key Market Indicators Registered Insurers in India Life Insurance Offices as on March 31, Distribution of Offices of Life Insurers as on March 31, Paid up Capital: Life Insurers New policies issued: Life Insurers Premium underwritten by Life Insurers Market Share of Life Insurers Commission Expenses of Life Insurers Commission Expenses Ratios Operating Expenses of Life Insurers Operating Expenses Ratios Dividends Paid: Life Insurers Individual Death Claims Group Death Claims Paid-up Capital: Non-life Insurers and Re-insurer Policies issued: Non-life Insurers Premium underwritten by Non-life Insurers (within India) Gross Direct Premium Income In India Premium underwritten (within India) by Non-life Insurers Segment-wise Ratio of outside India premium to total premium Gross Direct Premium from Business outside India : Non-Life Insurers Underwriting Losses: Non-life Insurers Operating Expenses: Non-life Insurers v

8 ANNUAL REPORT Commission Expenses Investment Income Net Incurred Claims of Non-Life Insurers Incurred Claims Ratio Dividends Paid: Non-Life Insurers Net Retained Premium on Indian Business as percentage of Gross Direct Premium (Excl. GIC) Re-insurance placed within India and outside India as percent of Gross Direct Premium in India (Excl. GIC) Re-Insurance ceded outside India on Indian Business (Excl. GIC)\ Share of Member Companies in the Indian Market Terrorism Pool Premium Rates for Terrorism Risk Insurance Cover Limit for Terrorism Risk Insurance Investments of Insurers (I) Total Investments: Instrument-wise (II) Investments of Life Insurer: Fund-wise Total Investments: Fund-wise Investments of Non-life Insurer: Fund-wise TPA (Infrastructure) Third Party Administrators Claims Data New Business under Micro-Insurance Portfolio for Micro-Insurance Agents Life Insurers Group Death Claims under Micro-Insurance Portfolio Individual Death Claims under Micro-Insurance Portfolio Details of Individual Agents of Life Insurers Details of Corporate Agents of Life Insurers New Business Premium (Individual and Group) of Life Insurers for Channel-wise Individual New Business Premium of Life Insurers for Channel-wise Group New Business Premium of Life Insurers for Channel-wise Outstanding Grievances Life Insurers Grievances during Life Insurers Status of Grievances Non-life Insurers (I) Status of Grievances Non-life Insurers (Half year ended September, 2008) Disposal of Complaints by Ombudsman LIST OF STATEMENTS 1. Financial Saving of the Household Sector (Gross) International Comparison of Insurance Penetration International Comparison of Insurance Density Policyholders Account: All Life Insurers Shareholders Account: All life Insurers Balance Sheet: All Life Insurers Life Insurance Corporation of India: Capital Redemption and Annuity Certain Business (Non-Participating) - Policyholders Account vi

9 ANNUAL REPORT Life Insurance Corporation of India: Capital Redemption and Annuity Certain Business (Non-Participating) - Shareholders Account 9. Life Insurance Corporation of India: Capital Redemption and Annuity Certain Business (Non Participating) - Balance Sheet 10. Policyholders Account: Public Sector Non-life Insurers Shareholders Account: Public Sector Non-life Insurers Balance Sheet: Public Sector Non-life Insurers Policyholders Account: Private Sector Non-Life Insurers Shareholders Account: Private Sector Non-life Insurers Balance Sheet: Private Sector Non-life Insurers Policyholders Account: Health Insurers Shareholders Account: Health Insurers Balance Sheet: Health Insurers General Insurance Corporation - Policyholders Account General Insurance Corporation - Shareholders Account General Insurance Corporation - Balance Sheet Policyholders Account : Export Credit Guarantee Corporation Ltd Shareholders Account: Export Credit Guarantee Corporation Ltd Balance Sheet: Export Credit Guarantee Corporation Ltd Policyholders Account : Agricultural Insurance Corporation Ltd Shareholders Account: Agricultural Insurance Corporation Ltd Balance Sheet: Agricultural Insurance Corporation Ltd Net Retentions of Non-life Indian Market Gross Direct Premium Income in India Net Premium Income (Earned) Underwriting Experience and Profits of Public Sector Companies Underwriting Experience and Profits of Private Sector Companies Incurred Claims Ratio Public Sector Incurred Claims Ratio Private Sector Equity Share Capital of Insurance Companies Fee Structure for Insurers and various intermediaries Fund-wise pattern of Investments of Life Insurers Non-life Insurance Investments Status of Grievances - Life Insurers ( ) Status of Grievances - Non-life Insurers ( ) Status of Grievances Non-life Insurers (Half year ended September, 2008) Third Party Administrators - Claims Data: Performance of Ombudsmen at different centres : Complaints disposal for the Year ending 31st March, 2008: Life Insurance 44. Performance of Ombudsmen at different centres : Complaints disposal for the Year ending 31st March, 2008: Non-life Insurance 45. Performance of Ombudsmen at different centres : Complaints disposal for the Year ending 31st March, 2008: Life and Non-life Insurance combined 46. First Year (including Single Premium) Life Insurance Premium vii

10 ANNUAL REPORT Total Life Insurance Premium Gross Direct Premium of Non-Life Insurance (Within & Outside India) Individual Business (Within India) Business in force (Number of Policies) Individual Business (Within India) Business in force (Sum Assured) Solvency Ratios of Life Insurers India Solvency Ratios of Non-Life Insurers Individual Business (within India) Details of Forfeiture / Lapse Policies in Respect of Non-Linked Business 54. Individual New Business Performance of Life Insurers for Channel-wise Group New Business Performance of Life Insurers for Channel-wise State-wise Spread of Individual Agents Insurer-wise for Details of Individual Agents of Life Insurers Individual Death Claims No. of Life Insurance Offices as on 31 st March, Distribution of Offices of Life Insurers as on 31 st March, Geographical Distribution of Offices as on 31 st March, Individual New Business Underwritten State-wise Grievances Life Insurance Group Death Claims List of Micro-Insurance Products of Life Insurers LIST OF ANNEX I Insurance Companies operating in India II Regulations framed under the IRDA Act, III (a) Appointed Actuaries of Life Insurers (b) Appointed Actuaries of Non-Life Insurers IV (a) Mortality Rates of Assured Lives in LIC of India - LIC ultimate (b) Mortality Rates of Annuitants in LIC of India LIC A (96-98) ultimate V Life Insurance products cleared during the financial year VI Non-life Products Filed by Insurance Companies Under File & Use Procedures During the Financial year VII Obligatory Cessions received by GIC VIII Registered Brokers (State - wise Break-up) IX Circulars / Orders / Notifications issued by the Authority X Annual Statement of Accounts for the year ended March 31, XI Addresses of Insurers and Ombudsmen viii

11 ANNUAL REPORT MISSION STATEMENT To protect the interest of and secure fair treatment to policyholders; To bring about speedy and orderly growth of the insurance industry (including annuity and superannuation payments), for the benefit of the common man, and to provide long term funds for accelerating growth of the economy. To set, promote, monitor and enforce high standards of integrity, financial soundness, fair dealing and competence of those it regulates; To ensure speedy settlement of genuine claims, to prevent insurance frauds and other malpractices and put in place effective grievance redressal machinery; To promote fairness, transparency and orderly conduct in financial markets dealing with insurance and build a reliable management information system to enforce high standards of financial soundness amongst market players; To take action where such standards are inadequate or ineffectively enforced; To bring about optimum amount of self-regulation in day to day working of the industry consistent with the requirements of prudential regulation. ix

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13 ANNUAL REPORT TEAM AT IRDA Year CHAIRMAN C.S. RAO (up to 14 th May, 2008) J. HARI NARAYAN (from 12 th June, 2008) MEMBERS C.R. Muralidharan K.K. Srinivasan G. Prabhakara Dr. R. Kannan PART-TIME MEMBERS Shri Vijay Mahajan (from Oct 7, 2005) Smt. Ela R Bhatt (from Feb 27, 2007) Shri Ved Jain (from Feb 6, 2008) Ms. Sushma Nath (from April 9, 2008) Shri Pradeep Kumar Dr Sanjiv Misra (from Nov 27, 2007 to April 8, 2008) (from Mar 2, 2007 to 26 Nov 2007) Shri Sunil Talati (from Feb 5, 2007 to Feb ) DIRECTOR GENERAL (RESEARCH & DEVELOPMENT) Dr. D.V.S. Sastry EXECUTIVE DIRECTORS Prabodh Chander V. Vedakumari K. Subrahmanyam CONSULTANT & SPECIAL OFFICER Kunnel Prem x

14 ANNUAL REPORT Name of the Officer / Staff A Keshava Rao A Krishnan A R Nithiayanantham A Rama Sudheer A V Rao Anil Kumar Arora B Padmaja B Aruna B Raghavan B Someswara Rao B S Venkatesh D P Joshi D Srinivasa Murthy D V S Ramesh Deepak Khanna Deepak Kumar Gaikwad DNKLNK Chakravarty G R Surya Kumar Hari J Anita Jyoti Bhagat Kamal Chowla Kanthisree KGPL Rama Devi Lekshmi Pillai M L Soujanya Mahesh Agarwal Mamta Suri Manju Arora Mathangi Saritha MBVN Murthy Mukesh Sharma Nimisha Srivastava P Majumder Prabat Kumar Maiti R C Sharma R Kumar R Sangeetha xi

15 ANNUAL REPORT R Uma Maheswari Raj Kumar Sharma Rakesh K Bajaj Randip Singh Jagpal Rashmi Jagdeep Abhichandani S Karthikeya Sarma S N Jayasimhan S P Chakraborthy Sanjay Kumar Verma Sanjeev Kumar Jain Shardul Suresh Admane Shashi Pal Shiksha Shaha Shyam Sundar Mohakud Sudipta Bhattacharya Sunitha L V S Suresh Mathur Suresh Nair Susan Ittyerah Sush Pal T S Naik On Contract U Jawaharlal Officers on deputation to other organisations Arup Chatterjee J Meena Kumari K K Chaudhary Sonia Singh xii

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17 ANNUAL REPORT OVERVIEW The Indian economy continued to exhibit robust growth even though global economy experienced many uncertainties. The real GDP growth emanating from the industry and services sector declined slightly during However, improvement in the performance of the agriculture sector in India not only contained inflationary pressures on some agricultural commodities but also supported the growth momentum in the economy. The continued acceleration in saving and investment rates and sustained productive growth were the underpinnings of the growth momentum in the Indian economy during The real GDP growth in though high at 9 per cent was lower than the 9.6 per cent recorded in Services sector continued to grow at double digit level. The deceleration in the industry sector was also reflected in the Index of Industrial Production. The growth in the Index of Industrial Production during was 8.5 per cent (as against 11.5 per cent observed in ). Gross domestic savings as per cent of GDP at current market prices increased from 34.3 per cent in to 34.8 per cent in contributed mainly by increase in the savings of private corporate sector and the public sector. The gross domestic capital formation rate at the economy level increased from 35.5 per cent in to 35.9 per cent in The saving preference of the households had slightly shifted away from the bank deposits in from that of According to the preliminary estimates released by RBI on household financial savings for , insurance funds constituted 17.5 per cent of the total gross financial savings of the households in This has resulted in an increase in the share of insurance funds in the total household savings. A similar increase was observed in mutual funds also. The above shift in the preferences towards insurance sector was mainly on account of the households preferring to invest in Unit Linked Insurance Products (ULIPs) of life insurers in the back ground of bullish stock market as the returns of a part of ULIPs depend on the behaviour of the stock market. A similar observation can be made about the investments in mutual funds. It may be noted that during , the BSE Sensex has shown abnormally high levels and the gains were across all sectors of the index. The fiscal position of both central and states improved during even though there were higher outflows on account of high interest payments, subsidies and extra budgetary liabilities. Exports and imports accelerated during reflecting India s diversified foreign trade. Capital inflows on a sustained basis were observed in and net surplus on invisibles in the Balance of Payments was buoyant offsetting a significant part of the merchandise deficit. The current account deficit as a per cent of GDP was 1.5 per cent in higher than 1.1 per cent observed in Supply side pressures on key agricultural products, pass through of international crude oil prices, continued demand pressures have pushed the inflation rate as measured by movements in wholesale price index to a higher level of 7.7 per cent at end March 2008 as against 5.6 per cent recorded at end March However, on an average basis, it was lower at 4.7 per cent during than 5.4 per cent in The growth in consumer price index for industrial workers was also high at 7.9 per cent in March 2008 as against 6.7 per cent a year ago. On an average basis, during , it was 6.2 per cent as against 6.7 per cent in During many policies regarding broadening and deepening of the financial markets, capital markets and bond markets were undertaken by the respective regulators. The Government on its part has helped in this process by allowing changes in the legal framework. The policies undertaken in the financial markets will help the insurance companies in managing their assets in a prudent and profitable way. Insurance companies are now allowed to access the negotiated dealing system order matching using the constituents subsidiary general ledger route. This will help the insurance companies in participating in the negotiated dealing system for parking their excess funds. The SEBI has undertaken many initiatives in making the operations of mutual funds more transparent and investor friendly. The SEBI mandates FIIs to provide AAA rated foreign government securities as collaterals for margins against transactions in the derivatives segment. 1 1

18 ANNUAL REPORT Several measures were also initiated to develop the private corporate debt market. The Union Budget has announced measures to develop bond, currency and derivatives market including launching of exchange traded currency and interest rate features and developing a transparent credit derivatives market with appropriate safeguards. Government Securities Regulations 2007 has come into force with effect from December 1, All the above measures undertaken by the various regulators will open opportunities for the insurance companies to park their funds in a profitable way. However, they may have to improve their skills in dealing with such complex exotic financial instruments. The CSO has placed the real GDP growth originating in Agriculture, Industry and services during the first quarter of at 3.0 per cent, 5.2 per cent and 10.2 per cent respectively. Accordingly, the real GDP growth in the economy worked out 7.9 per cent for the first quarter as against 9.2 per cent recorded in the first quarter of the previous year. Inflation, measured by variations in the wholesale price index (WPI) on a year-on-year basis, increased to 11.4 per cent as on October 4, 2008 from 7.8 per cent as at end-march 2008 and 3.2 per cent a year ago. At a disaggregated level, prices of primary articles and manufactured products rose by 12.7 per cent and 9.7 per cent, respectively, as compared with 5.0 per cent and 4.5 per cent a year ago. Inflation, based on the consumer price index (CPI) for industrial workers, showed a sharp increase to 9.0 per cent on a year-on-year basis in August 2008 from 7.3 per cent a year ago. The interest rates (both deposit and lending rates) rose significantly during the first two quarters of Deposit rates offered by the banks for various maturities increased by basis points and the benchmark prime lending rates of Public Sector Banks increased by basis points during the same period. The weighted average yield of Central Government securities were higher at 8.81 per cent as compared with 8.12 per cent. The yields on Government securities with one-year residual maturity increased from 7.49 per cent at end-march 2008 to a high of 9.25 per cent. The overnight rates in the call market, market repo (outside the LAF) and collateralised borrowing and lending obligation (CBLO) hardened across the spectrum on account of tighter liquidity consequent upon gradual increases in the CRR during April-August The weighted average discount rate of Certificates of Deposit increased from per cent at the end of March 2008 to per cent by end-september The outlook for the emerging economies remains positive, but uncertainties about their resilience to the global shocks have increased. Industrial production and export volumes have slowed down. While equity markets have fallen sharply in tandem with those in advanced economies, bond spreads have widened. The international financial system is gripped by extreme risk aversion in the wake of spectacular failures of among the world s largest financial institutions. With buoyancy in stock markets, while investors are willing to take risks and prepared to bear investment risks by opting for ULIPs, with the financial crises across the globe and melt down in the stock markets, the sentiments of the investors may turn the other way and many would like to invest their surpluses in safe and traditional financial instruments rather than take risks. As such, the preference will be shifted away from ULIPs and life insurers may have to design traditional products with good incentives. As such, the growth in life insurance business in near future may not be as robust as it was so far. Further, as insurance companies are closely monitored by their solvency margins, they have to inject additional capital to maintain the regulatory requirement. Under the present position in the financial markets, it is difficult to raise funds from the capital markets and promoters may find it difficult even to divest their own investments in a bearish stock market. In the recent past, insurance companies have gone aggressively on branch expansion and added technical manpower. The associated costs due to those are high and companies may find it difficult to sustain with high costs and low premiums. With slow down in the economic growth, the personal disposable incomes will be lower thus affecting the savings and investment. The slow down in the industry, and lower investments in the private corporate sector leads to lower asset formation. This together with lower merchandise trade affects the non-life insurance market. With slump in the stock markets, the investment income for the non-life insurance 2 2

19 ANNUAL REPORT companies would also come down thus affecting the profits, because the investment income has been offsetting the underwriting lossess of the insurers so far. Performance in the first quarter of (i) Life insurance: The life insurers underwrote a premium of Rs crore during the first quarter in the current financial year as against Rs crore in the comparable period of last year recording a growth of per cent. Of the total premium underwritten, LIC accounted for Rs crore and the private insurers accounted for Rs crore. The premium underwritten by LIC declined by per cent while, that of private insurers increased by per cent, over the corresponding period in the previous year. The number of policies written at the industry level declined by 7.78 per cent. While the number of policies written by LIC declined by per cent, in the case of private insurers they grew by per cent. Of the total premium underwritten, individual business accounted for Rs crore and group business for Rs crore. In respect of LIC, individual business was Rs crore and group business was Rs crore. In the case of private insurers, they were Rs crore and Rs crore respectively. The market share of LIC was per cent in the total premium collection and per cent in number of polices underwritten, lower than per cent and per cent respectively reported in the previous year. Under the group scheme lakh lives were covered recording a growth of 8.51 per cent over the previous period. Of the total lives covered under the group scheme, LIC accounted for lakh and private insurers lakh. The life insurers covered lakh lives in the social sector with a premium of Rs crore and underwrote lakh policies with a premium of Rs crore in the rural sector. (ii) Non-Life Insurers During the first quarter of current financial year, the non-life insurers underwrote a premium of Rs crore recording a growth of per cent over Rs crore underwritten in the same period of last year. The private non-life insures witnessed higher growth of per cent by underwriting premium to the tune of Rs crore as against Rs crore underwritten in the same quarter of the last year. The public non-life insurers underwrote a premium of Rs crore, higher by per cent in the first quarter of The market shares of public and private insurers were and per cent respectively. ECGC underwrote credit insurance of Rs crore as against Rs crore in the previous year resulting in a significant growth of per cent. Segment-wise, the premium underwritten in the Fire, Marine, Motor, Health and Miscellaneous segments by the non-life insurers were Rs crore, Rs crore, Rs crore, Rs crore and Rs crore respectively. The Health segment recorded the highest growth (49.67 per cent) in the first quarter of the current financial year over the corresponding quarter of The Fire segment witnessed negative growth ( per cent) over in the same period. In terms of number of policies, Fire and Marine, recorded negative growth rates (-5.14 per cent and per cent respectively) over the one year period. In the Motor segment, the public insurers witnessed positive growth rate (23.09 per cent) in the premium underwritten despite issuing lesser number of policies. The premium underwritten in the Motor segment in the first quarter of the current financial year was Rs , constituting per cent in the total premium underwritten. The contribution from the Public and Private lifeinsurers in the total Motor premium was Rs crore (59.36 per cent) and Rs crore (40.64 per cent) respectively. The premium collection in the Health segment went up to Rs in the first quarter of the current year, constituting for per cent in the total premium. The number of policies, issued in this quarter, as a ratio of total number of policies worked out to per cent. The shares of public and private non-life insurers in the Health segment remained similar to the Motor segment, which constituted per cent (Public) and per cent (Private) respectively in the first quarter of the current financial year. In terms of number of policies issued Health segment recorded a growth of per cent. This growth was sharper in the public insurers with 20 per cent. 3 3

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21 ANNUAL REPORT PART I POLICIES AND PROGRAMMES A. GENERAL ECONOMIC ENVIRONMENT India s macroeconomic performance in as measured by growth in real gross domestic product (GDP) was high at 9 per cent. This growth was observed over and above a growth of 9.6 per cent in and 9.4 per cent in With this high growth, the average real GDP growth during the period worked out to 8.8 per cent, much higher than 5.4 per cent in the preceding quinquennium. Services sector continues to grow at double digit level, 10.7 per cent in GDP growth originating from Agriculture sector in was 4.5 per cent as against 3.8 per cent recorded in The acceleration in the agriculture sector may be seen from the increased food grains production in to a record level of million tonnes higher than million tonnes recorded in Real GDP growth originating from Industry sector was lower at 8.1 per cent in than 10.6 per cent observed in The deceleration was mainly on account of decline in manufacturing activities from a growth of 12 per cent in to 8.8 per cent in While there has been a marginal increase in the growth of electricity, gas and water supply, there has been a decline in the Mining and quarrying segment. The deceleration in the GDP originating from industry sector was also reflected in the movement of index of industrial production (IIP). The industrial growth, in terms of IIP, moderated to 8.5 per cent during from 11.5 per cent in The manufacturing sector with a weight of 79.4 per cent in the total IIP, recorded a growth rate of 9.0 per cent in much lower than 12.5 per cent observed in In terms of use-based classification, deceleration was observed in all the segments; more so in consumer durables which recorded a negative growth of 1 per cent in as against 9.2 per cent in The Infrastructure sector which gained momentum during decelerated significantly during The sector, with a weight of 26.7 per cent in IIP, recorded a growth of 5.6 per cent in as compared with 9.3 per cent during All the segments of the infrastructure sector, barring coal, recorded decelerated growth during The micro and small enterprises (MSE) continues to play an important role in India s industrial growth and exports, besides providing substantial employment opportunities. In the recent years, the MSE sector has consistently registered higher growth in comparison with the overall industrial growth. The MSE sector contributed about 40 per cent to the gross industrial value added in the economy and accounted for 47 per cent of the total manufactured exports. According to the revised estimates released by the Central Statistical Organization (CSO), real GDP growth originated for the services sector moderated from 11.2 per cent in to 10.7 per cent in due to deceleration in financing, insurance, real estate and business services and construction sub-sectors. Financing, insurance, real estate and business services recorded a growth of 11.8 per cent in compared to 13.9 per cent in However, the sector s share in real GDP has marginally increased from 14.3 per cent in to 14.7 per cent in Latest estimates on gross domestic product emanating from subsector are available for As per the estimates, banking and insurance constituted 6.68 per cent of real GDP in as against 6.12 per cent in This sub-sector has recorded a growth of per cent in While banking showed a growth of 17 per cent, insurance recorded a growth of 34.5 per cent in over The share of insurance sector in real GDP increased to 1.1 per cent in from 0.9 per cent in Saving and Capital Formation The CSO released estimates for GDP at the economy level and also at sectoral level for But estimates of saving and capital formation are available with lag of one year; as such, the latest estimates released by CSO relates to However, the gross financial savings of the household sector, as estimated by Reserve Bank of India (RBI), are available for As such the review pertains to savings and capital formation for and gross financial assets for

22 ANNUAL REPORT Gross domestic savings as a per cent of GDP at current market prices increased from 34.3 per cent in to 34.8 per cent in as a result of increase in the savings of private corporate sector and savings of the public sector. While there has been no change in the saving rate in the form of physical assets for the household sector at 12.5 per cent, a marginal decline in the form of financial savings from 11.8 per cent in to 11.3 per cent in was observed. Thus the household saving rate has declined to 23.8 per cent in from 24.2 per cent in The saving rate of the private corporate sector had increased from 3.4 per cent in to 7.5 per cent in and further to 7.8 per cent in Public sector savings further improved from 2.6 per cent of GDP in to 3.2 per cent in due to higher savings of non-departmental as well as departmental enterprises. While the gross domestic saving rate at the economy level increased by 5 percentage points in , the gross domestic capital formation rate increased by 4 percentage points from 35.5 per cent in to 35.9 per cent in A marginal decline in net capital inflows from 1.2 per cent in to 1.1 per cent in was recorded. Preliminary estimates of household financial savings released by RBI revealed a change in the pattern of the household savings in from that of reflecting the households preferences in a growing economy. As a percentage of GDP, while savings in the form of currency and investments in shares increased in , savings in the form of bank deposits has declined. Gross financial savings of the household sector comprised of 11 per cent in the form of currency, 56.5 per cent in the form of deposits. The share of insurance funds in household savings increased from 14.9 per cent in to 17.5 per cent in reflecting households need for insurance and availability of innovative products customized to different segments of the households. Savings in the form of life insurance funds increased to 16.9 per cent in from 14.4 per cent in , which could be due to the success of ULIPs in Postal insurance has marginally increased from 0.3 per cent in to 0.4 per cent in A similar increase was observed in the investments in Mutual Funds. Their share has increased from 5.2 per cent in to 7.7 per cent in Price Situation Inflation across many countries firmed up during , mainly due to higher food and fuel prices as well as strong demand conditions. Increase in oil prices to record high levels caused concern over inflation risks and demand-supply imbalances. The above conditions impacted the inflation level in India also. Inflation as measured by the movements in the Whole Price Index (WPI) increased to 7.7 per cent at end- March 2008 from 5.9 per cent a year ago. Among primary articles group both food and non-food, exerted upward pressures on inflation during , reflecting lower domestic production of some commodities as well as firm international prices. Various supply side measures to improve domestic availability of rice and wheat undertaken by the Government contained the high inflation. Within food articles, rice, wheat and milk prices increased, on an year-on-year, by 9.1 per cent, 5.1 per cent and 8.7 per cent, respectively in as compared with 5.7 per cent, 7.3 per cent and 8.4 per cent, respectively a year ago. Within non-food primary articles, oil seeds and raw cotton prices increased by 20.3 per cent and 14.0 per cent respectively on top of 31.6 per cent and 21.9 per cent increase a year ago. Overall, primary articles inflation, on an year-on-year basis was 9.7 per cent at end March 2008 as compared with 10.7 per cent a year ago. Fuel group inflation, which was negative during June-November 2007, reflecting the base effect as well as reduction in petrol and diesel prices in November 2006 and February 2007, turned positive from mid-november 2007 and reached 6.8 per cent on March 29, 2008 as against 1.0 per cent a year ago. The increase in fuel group inflation beginning November 2007 was due to continuous increase in the prices of non-administered petroleum products as well as upward revision in the domestic prices of petrol and diesel. International crude oil (Indian basket) prices increased by almost 75 per cent from US Dollar 56.6 barrel in February 2007 to US Dollar 99.3 a barrel in March During inflation in manufactured products was the main driver of overall inflation. Inflation in the manufactured products increased to 7.3 per cent at end March 2008 as against 6.1 per cent a year ago. With a weight of 63.8 per cent, manufactured products contributed 52.8 per cent to the 6 6

23 ANNUAL REPORT overall inflation as on March 29, 2008, followed by primary articles at 28.2 per cent and the fuel group at 18.9 per cent. On an average basis (average of 52 weeks), the wholesale price inflation was lower at 4.7 per cent in when compared to 5.4 per cent in Consumer price inflation for industrial workers was higher than WPI inflation upto January With increase in food prices, the gap has reduced to some extent CPI inflation for industrial workers for March 2008 stood at 7.9 per cent as against 6.7 per cent observed in March On average basis (average of 12 months) CPI inflation during worked to 6.2 per cent as against 6.7 per cent in DOMESTIC FINANCIAL MARKETS Global financial markets remained turbulent due to surge in liquidity demand because of turmoil in the US sub-prime mortgage market. However, the financial markets in India remained relatively unaffected except for equity markets and for brief spells in the money market. Policy interventions by the RBI helped the markets to come back to normalcy. Money Market The money market remained largely orderly during , barring occasional spells of volatility on account of volatility in capital flows and large changes in cash balances of the Central Government with the Reserve Bank. The policy intervention by the RBI under the liquidity adjustment facility (LAF) caused some tightening in the money market and subsequent withdrawal of this policy imposition helped the Call/notice rates to lie within the corridor of repo and reverse repo rates. Over the year as a whole, the call rate averaged 6.07 per cent, 115 basis points lower than that in Interest rates in the collateralised segments of the money market the market repo (outside the LAF) and the collateralised borrowing and lending obligation (CBLO) moved in tandem with call rates. The collateralised market is now the predominant segment of the money market in India accounting for nearly 80 per cent of the total volume during During , interest rates averaged around 5.20 per cent in CBLO, 5.50 per cent in market repo and 6.07 per cent in the call/notice money market. A year ago the interest rates for the above segments were 6.24 per cent, 6.34 per cent and 7.22 per cent respectively. The weighted average rate of the above three money market segments worked out to 5.48 per cent during compared with 6.57 per cent a year ago. In other segments of the money market, the weighted average discount rate for certificates of deposit (CDs) was 10 per cent at end March 2008 as compared with per cent at end March In the commercial paper market, the weighted average discount rate declined from per cent on March 31, per cent at end October 2007 and hardened to per cent as on March 31, Foreign Exchange Market The Indian rupee generally exhibited two-way movements in the range of Rs to per US Dollar during At the beginning of the year, tight liquidity conditions in the domestic money market and US Dollar sales by banks led the rupee to appreciate from its level of Rs per US Dollar at end-march 2007 to Rs per US Dollar as on May 29, Foreign institutional investment (FII) outflows, bearish conditions in the Indian equity market and concerns over the sub-prime mortgage crisis in the US resulted in depreciation of the Indian rupee during the first half of August 2007 to Rs per US Dollar The exchange rate of the rupee appreciated thereafter on account of large capital inflows, interest rate cut by the US Fed, weakening of the US Dollar vis-à-vis other major currencies. During October 2007 to January 2008 the rupee moved in the range of Rs to Rs per US Dollar. At the beginning of February 2008, on account of FII outflows (rising crude oil prices and heavy Dollar demand by oil companies), the rupee started depreciating and at the end March 2008 it was Rs per US Dollar. Between end March 2007 and end March 2008 the exchange rate of the rupee appreciated by 9.0 per cent against the US Dollar. Over the same period, the rupee appreciated by 7.6 per cent against the Pound Sterling, while it depreciated by 7.8 per cent against the Euro, 7.6 per cent against the Japanese Yen. The conditions in the spot foreign exchange market and generally comfortable liquidity conditions in the domestic money markets kept forward premia on the US Dollar low during Capital inflows during the year were significantly higher than the current account deficit. India s foreign exchange reserve during comprising 7 7

24 ANNUAL REPORT foreign currency assets, gold, SDRs and the reserves tranche with IMF, increased to US Dollar billion at end March 2008 as compared with US Dollar billion at end March Government Securities Market Yields in the government securities market hardened somewhat during the first quarter of , partially reflecting global trends and also due to certain policy actions of RBI. Yields on 10 year security reached an intra-year peak of 8.32 per cent on June 11, With easy liquidity conditions thereafter the yields softened. Yields were largely range bound during August-December 2007 and thereafter. The 10-year yield, moved in a range of per cent during As on March 31, 2008, the yield was 7.93 per cent, 4 basis points lower than that of end-march The spread between 1-year and 10-year yields was 45 basis points at end-march 2008 as compared with 42 basis points at end-march At the longer end, the spread between 10 year and 30 year increased to 47 basis points at end-march 2008 from 37 basis points at end March The yield spread of 5-year AAArated corporate bonds over 5 year government securities increased to 161 basis points at end-march 2008 from 142 basis points of end March Primary Market Resources raised from primary market through public issues increased to Rs crore during from Rs crore during recording a high growth of per cent over the previous year. As the number of issues remained unchanged at 119, the average size of public issue increased from Rs 272 crore in to Rs 703 crore in Barring three debt issues, all public issues during were in the form of equity. Out of 119 issues, 82 issues were initial public offerings (IPOs), accounting for 47.7 per cent of total resources mobilisation. Mobilisation of resources through private placement increased by 45.7 per cent to Rs crore during over Rs crore in Indian corporates also raised resources from American Depository Receipts (ADRs) and Global Depository Receipts (GDRs) to the extent of Rs. 26,556 crore during During such resource mobilization was Rs crore. The net resources mobilized by Mutual Funds increased by 63.6 per cent to Rs 1, 53,802 crore in from Rs crore in the previous year. Net assets managed by Mutual Funds also increased significantly by per cent to Rs crore by March 2008 over Rs crore by March About 67.5 per cent of net mobilisation of funds by Mutual Funds during was under income/debt market-oriented schemes. Growth-oriented schemes accounted for only 30.5 per cent of net resource mobilisation during Secondary Market The gains in domestic stock market during were spread across various sectors. Most of the sectoral indices recorded higher gains between end-march 2007 and January 8, 2008 but incurred higher losses thereafter. BSE sensex reached all-time high of on January 8, Subsequently the domestic stock markets witnessed higher volatility due to increased concerns over the severe impact of sub-prime lending crises in the US and its spillover to other market segments and in other countries. The market sentiment was affected to liquidity squeeze in the secondary market in the wake of initial public offerings (IPOs), heavy sales by FIIs in short-term capital gains tax hike from 10 per cent to 15 per cent, increase in domestic inflation rate, rise in crude oil prices, and decline in ADR prices in the US market. BSE sensex closed at on March 31 st 2008 registering a gain of 19 per cent over March end The market capitalization of BSE increased sharply by 44.9 per cent to Rs crore by end-march Market capitalization to GDP ratio improved from 85.5 per cent at end-march 2007 to per cent on January 8, 2008 before declining to per cent by end-march The combined turnover of BSE and NSE in the cash segment during was higher by 76.8 per cent than that during EXTERNAL SECTOR The merchandise trade deficit, after fluctuating around 3-4 per cent of GDP between the mid-1990s and , widened sharply to 6.9 per cent of GDP in and 7.7 per cent of GDP in on account of higher non-oil imports, particularly, import of capital goods and higher crude oil prices. However the sustained increase in invisible surplus during

25 ANNUAL REPORT continued to cushion the impact of widening of merchandise trade deficit. As a result the current account deficit, as proportion of GDP was 1.5 per cent in higher than that of last year at 1.1 per cent. Favourable domestic financial and economic conditions, further liberalisation of capital account, sustained growth momentum of India resulted in a surge of capital inflows to India during The net capital flows (inflows minus outflows) at US Dollar 108 billion constituted 9.2 per cent of GDP in and was 2.4 times higher than that of India emerged as second most favoured FDI destination after China. Net FDI flows amounted to US Dollar 15.5 billion in as compared with US Dollar 8.5 billion in Most of FDI flows were in the form of equity while portfolio flows comprised investments by FIIs. India received external assistance (net) of US Dollar 2.1 billion during as compared with US Dollar 1.8 billion during India contributed US Dollar 451 million to other countries in the form of grants and loans, with Bhutan, Nepal and Bangladesh being the major beneficiaries First Quarter Review The global economy has continued to slow down during 2008 so far mainly due to low growth in advanced economies. According to International Monetary Fund (IMF), the global GDP is expected to decelerate from 5 per cent in 2007 to 4.1 per cent in Though the growth process in the developing economies has not so far affected, the global financial market turbulence may have an impact in the financial systems and economic activity of the developing countries. Industrial production growth in India during April-June 2008 was lower at 5.2 per cent compared with 10.3 per cent recorded in the same period of last year. This was mainly on account of slowdown in the manufacturing growth from 11.1 per cent, a year ago to 5.6 per cent in the current year. The growth in the electricity sector was at 2 per cent compared with 8.3 per cent a year ago. In terms of use-based classification, the slowdown was reflected in all the sectors. The capital goods sector recorded a much lower growth of 6.5 per cent during April-June 2008 from 19.1 per cent observed in April to June During April-June 2008, the growth of core infrastructure industries was placed at 3.5 per cent as compared with 6.3 per cent a year ago. The overall inflation firmed up in the current financial year to 12.6 per cent on August 9, 2008 reflecting the upward revision in the prices of administered petroleum products, intermittent but sharp increases in the basic metals prices, and primary articles. The Indian financial market up to August 2008 remained largely orderly. Brief spells of volatility were observed in the money market. Interest rates in the collateralized segment of the over night money market remained below the call rate. In the foreign exchange market the Indian rupee depreciated against the US Dollars. Yields in the government securities market hardened. The Indian equity markets witnessed correction amidst high volatility. Growth in merchantised exports accelerated while imports showed moderation during the first quarter of Capital flows have been volatile and net capital inflows during so far were lower than those in the corresponding period of mainly on account of outflows by FIIs. As on August 15, 2008, foreign exchange reserves declined by US Dollar 13.5 billion over the end March 2008 level. Considering all the factors the outlook for the Indian economy is contingent upon unfolding of domestic risks in the wake of global risks. The economic activity in industry and services sector had moderated and the prices of food items heavily depend on agriculture production. Unlike the global economy, the Indian economy is likely to witness a moderation of the growth with increased inflation risks. B. APPRAISAL OF INSURANCE MARKET TABLE 1 KEY MARKET INDICATORS Life and non-life market in India Rs. 2,29,175 crore (Total Premium) US Dollar billion* Global insurance market US Dollar 4061 billion Inflation adjusted growth in total 13.0 per cent premium in India: (35.0 per cent in ) Growth in premium (world) Life: 5.4 per cent underwritten Non-life: 0.7 per cent Geographical restriction for None new players Equity restriction Foreign promoter can hold up to 26 per cent of the equity Registration restriction Composite registration not available Source: Swiss Re * US Dollar billion in

26 ANNUAL REPORT

27 ANNUAL REPORT By the end of March 2008, there were eighteen life insurance companies operating in India. Subsequently, Aegon Religare life insurance company limited and canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd., DLF Pramerica life insurance company limited were given Certificate of Registration by the Authority. With these two new companies the total number of life insurance companies operating in India rose to 21. TABLE 2 REGISTERED INSURERS IN INDIA Type of business Public Sector Private Sector Total Life Insurance General Insurance 6* 14** 20 Re-insurance Total At the end March 2008, 19 general insurance companies were operating in India. Subsequently, Bharti Axa general insurance company limited was granted the Certificate of Registration. With this, the total number of general insurance companies increased to 20. Expansion of Offices The number of offices of the life insurers has increased dramatically in the year from 5373 at the beginning of the year to 8913 by the end of the year, showing a growth of over 65 per cent. A major portion of this expansion was in the private sector whose offices more than doubled from 3072 to LIC s offices increased at a more modest 10 per cent from 2301 offices to * Includes specialized insurance companies - ECGC and AIC ** Includes two Standalone Health Insurance Companies Star Health & Allied Insurance Co. and Apollo DKV Health Insurance Co. TABLE 3 LIFE INSURANCE OFFICES * AS ON MARCH 31, 2008 Insurer Private Insurers LIC Industry Total Note: 1) Data collected from life insurers through a special return 2) Office as defined under Section 64 VC of the Insurance Act, 1938 * Offices opened after seeking approal of the Authority. Significantly, the number of offices of private life insurers in semi-urban and smaller locations put together increased the highest, by over 140 per cent, from 1908 to 4592 in TABLE 4 DISTRIBUTION OF OFFICES * OF LIFE INSURERS AS ON MARCH 31, 2008 Insurer Metro Urban Semi-urban Others Total Private total LIC Industry total Note : 1) Data collected from life insurers through a special return. 2) Based on the HRA classification of places done by the Ministry of Finance. Metro : Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore. Urban : A, B-1 and B-2 class cities of the HRA classification. Semi-urban : C class cities of the HRA classification. Others : Places not listed in the HRA classification. * Offices opened after seeking approal of the Authority

28 ANNUAL REPORT i) World Insurance Scenario The macroeconomic environment in 2007 across the globe was characterized by marginally slower economic growth and rising inflation driven by a steep increase in food and energy prices. Key interest rates diverged, but were generally low. Though strong at the end of 2007, stock markets fell in early In this backdrop worldwide insurance premium amounted to US Dollar 4061 billion in 2007 as against US Dollar 3723 billion in Of the total premium, life insurance premium amounted to US Dollar 2393 billion and the remaining US Dollar 1668 billion by general insurance business. At this level, the global total premium increased by 3.3 per cent in real terms in 2007 compared to 5.0 per cent in The growth in life insurance premium was about 5.4 per cent. While the premium grew by 4.7 per cent in industrialized countries, it grew by 13.1 per cent in emerging market economies. The continued expansion of life insurance business in industrialized countries was through pension and annuities products driven by an aging population and reductions in state social security benefits. In the case of emerging economies, strong economic growth, relatively young population and an expanding middle class contributed to higher insurance sales. In emerging markets, the growth in life insurance was 13.1per cent during 2007 as against 21.1 per cent in The profitability of life business continued to improve in many countries as costs were cut, guaranteed interest rates were reduced and profit participations was adjusted to reflect the low interest rate environment. The global non-life business grew by 0.7 per cent in 2007 as against 1.5 per cent in The global growth performance in non-life business varied between industrialized countries and emerging markets. While industrialized countries showed a negative growth of 0.3 per cent, the emerging markets exhibited a robust growth of 10.2 per cent in the non-life insurance business on account of strong economic developments and introduction of mandatory cover in areas such as motor, third party liability and health. India and China reported strong performance in both life and non-life business. China reported 19 per cent of growth in its life-insurance premium and 20 per cent in non-life insurance premium. Strong economic growth, consequent increase in household disposable income, penetration of insurance companies to uncovered markets, and introduction of compulsory motor third-party liability are the major contributing factors for the strong performance of Chinese insurance industry. Life insurance business in India grew by 14.2 per cent in US Dollar terms, while non-life insurance business grew by 5.6 per cent. Introduction of new products and channels of distribution and penetration of private insurance companies in uncovered markets are the major contributing factors. However, profitability of insurance companies in the non-life business was affected due to detariffication and consequent reduction in premium rates. The global outlook for 2008 remains grim for both life and nonlife insurance business. While uncertainty in capital and stock market is likely to moderate, lower demand for unit-linked life insurance products, slow down in economic activities are expected to dampen the premium growth in non-life market. As such 2008 will be a challenging year for non-life insurance given the soft market. With sustained pressure on rates and slowdown in economic activity, premium growth in the nonlife market at best is expected to stagnate. In the industrialized economies, premiums are expected to decline, while in the emerging economies, growth is expected to slow. Underwriting results (profits/losses) are expected to deteriorate further. A strong rise in inflation would have a severe, negative impact on the technical reserves of liability insurance and other longtail business lines. The outlook remains positive for life insurance in the medium term. As economic environment and capital markets are expected to stabilize in medium term, life insurance is projected to resume its strong performance. In the industrialized countries, the need for old-age provision will continue to fuel sales of pension and annuity products. In many emerging markets, the potential for significant market expansion in tandem with higher disposable income and a relatively young population, will drive sales for both savings and protection products in the years to come

29 ANNUAL REPORT ii) INDIAN INSURANCE INDUSTRY Insurance is a big opportunity in a country like India with a large population and untapped potential. The life insurance business (measured in the context of first year premium) registered a growth of per cent in , (94.96 per cent achieved in ). The general insurance business (gross direct premium) has registered a growth of per cent in (3.52 per cent achieved in ). This has resulted in increasing insurance penetration in the country. Insurance penetration or premium volume as a ratio of GDP, for the year 2007 stood at 4.00 per cent for life insurance and 0.60 per cent for non-life insurance. The level of penetration, particularly in life insurance, tends to rise as income levels increase. India, with its huge middle class households, has exhibited growth potential for the insurance industry. Saturation of markets in many developed economies has made the Indian market even more attractive for global insurance majors. The insurance market in India has witnessed dynamic changes including entry of a number of global insurers in both life and non-life segment. Most of the private insurance companies are joint ventures with recognized foreign players across the globe. Over the last eight years, consumer awareness has improved. Competition has brought more product innovation and better customer servicing. This made a positive impact on the economy in income generation and creating employment opportunities in this sector. I) Life Insurance The total capital of the life insurers at end March 2008 stood at Rs crore. The additional capital brought in by the existing private insurers during was Rs crore and the two new entrants, brought in equity of Rs.385 crore making the total additional capital brought in by the private insurers to Rs crore. Of this, the domestic and the foreign joint venture partners added Rs crore and Rs crore respectively. TABLE 5 PAID UP CAPITAL : LIFE INSURERS (Rs. Crore) INSURER March 31, Additions March 31, during LIC Private Sector TOTAL There has been no infusion of capital in the case of LIC which stood at Rs.5 crore. Innovations in products Growth in insurance industry has been spurred by product innovation, vibrant distribution channels coupled with targeted publicity and promotional campaigns by the insurers. Innovations have come not only in the form of benefits attached to the products, but also in the delivery mechanism through various marketing tie-ups both within the realm of financial services and outside. All these efforts have brought life insurance closer to the customer as well as made it more relevant. The insurance companies are increasingly tapping the semi-urban and rural areas to take across the message of protection of life through insurance cover. The insurers have also introduced special products aimed at the rural markets. The design of ULIP products addresses and overcomes several concerns that customers have had in the past like liquidity, flexibility and transparency. ULIPs are structured products and give choices to the policyholder. The Authority prescribed guidelines for Unit Linked products, stipulating minimum risk to be covered, minimum period of premium payment and several other requirements including NAV computation. With ULIP guidelines in place, there has been an enhanced transparency on the charges involved and associated risks. Fund-wise Net Asset Values (NAVs) and portfolio allocations are disclosed on a regular basis. One of the most significant outcomes of the enhanced competition has been the reduction in the rates for pure protection plans. Over the last seven years, the rates have been revised downwards, and are significantly lower than those 13 13

30 ANNUAL REPORT prevailing prior to opening up of the sector. The life insurance market has become competitive benefiting the policyholders. Simultaneously, insurance industry has been evolving and improving its underwriting and risk management abilities. The reduction of term rates has facilitated increase in the level of sum assured for policies. This higher level of protection implies that customers are more conscious of the need for risk mitigation, greater security, and about the future of their dependents. However, given the level of sum assured in the developed countries and other emerging economies, there is further scope to tap the need for additional cover even amongst the insured population. Life insurance companies have also been quick to recognize the larger need for structured retirement plans and have leveraged their abilities for long-term fund management towards building this segment. Pension is recognized as a necessity and presents an opportunity for growth in the country, and forms a significant part of portfolio of life insurers. More recently, private life insurers with their expertise in long-term mortality and morbidity introduced annuities. The growth in group insurance business has also been impressive. The superannuation and gratuity business has grown on the strength of professional fund-management and a host of value-added services. Given such scope for innovations, the life insurance sector in India is expected to maintain the growth momentum of new premium in future. New Policies New policies underwritten by the industry were lakh in as against lakh during showing an increase of per cent. While the private insurers exhibited a growth of per cent, (previous year per cent), LIC showed a decline of 1.61 per cent as against a growth of per cent in TABLE 6 NEW POLICIES ISSUED : LIFE INSURERS Insurer LIC (21.01) (-1.61) Private Sector (104.64) (67.40) Total Note: Figure in brackets indicate growth rate (in per cent). The market shares of private insurers and LIC, in terms of number of policies underwritten, were per cent and per cent as against per cent and per cent respectively in Premium Life insurance industry recorded a premium income of Rs crore during as against Rs crore in the previous financial year, recording a growth of per cent. Regular premium, single premium and renewal premium in were Rs crore (27.26 per cent); Rs crore (19.28 per cent); and Rs crore (53.46 per cent), respectively. It may be recalled that in , when the industry was opened up, the life insurance premium was Rs.34, crore which comprised of Rs crore (19.96 per cent) of regular premium, Rs crore (7.86 per cent) of single premium and Rs crore (72.18 per cent) of renewal premium. The first year premium (comprising of single premium and regular premium) amounted to Rs in as against Rs crore in recording a growth of per cent as against a growth of per cent in The first year premium growth in over a higher growth in has been on account of continued popularity of unit linked products. It is observed that LIC too has shifted its marketing strategy in favour of unit linked products since though LIC s performance has slowed down in While at the industry level, there has been a growth because of slow down in the premium underwritten by LIC the growth levels in were lower than LIC reported growth of per cent in single premium individual policies and decline of 6.48 per cent in non-single premium individual policies. LIC reported a growth of 9.11 per cent in Group Single Premium. As against these, private insurance companies reported growth of per cent and per cent in individual single and non-single policies respectively. The growth in the number of policies underwritten in the Group Single and Non-single segments by the private insurers stood at 54 and 1 per cent respectively. A shift in the shares of first year premium and renewal premium to the total premium was observed in In renewal premium accounted for per cent of the total premium underwritten slightly higher than per cent in

31 ANNUAL REPORT TRENDS IN LIFE INSURANCE BUSINESS UNIT LINKED INSURANCE PLANS Box Item 1 It wasn t too long back when the good old endowment plan was the preferred way to insure oneself against an eventuality and to set aside some savings to meet one s financial objectives. The traditional endowment policies were investing funds mainly in fixed interest Government securities and other safe investments to ensure the safety of capital. Thus the traditional emphasis was always on security of capital rather than yield. However, with the inflationary trend witnessed all over the world, it was observed that savings through life insurance were becoming unattractive and not meeting the aspirations of the policyholders. The policyholder found that the sum assured guaranteed on maturity had really depreciated in real value because of the depreciation in the value of money. The investor was no longer content with the so called security of capital provided under a policy of life insurance and started showing a preference for higher rate of return on his investments as also for capital appreciation. It was, therefore found necessary for the insurance companies to think of a method whereby the expectation of the policyholders could be satisfied. The object was to provide a hedge against the inflation through a contract of insurance. Decline of assured return endowment plans and opening of the insurance sector saw the advent of ULIPs on the domestic insurance horizon. Today, the Indian life insurance market is riding high on the unit linked insurance plans. ULIPs and its Features Unit linked insurance plans (ULIPs) are insurance plans that combine the benefit of investment with insurance. They give the investor an option to put a part of their premium in various investment portfolios and derive the benefits depending upon the performance of the funds chosen by them. ULIPs were launched at an opportune time when stock markets had just taken off. Being market- linked, they were major beneficiaries of the secular rise in stock markets. ULIPs have gained high acceptance due to the attractive features they offer. These include: 1. Flexibility 1. Flexibility to choose Sum Assured. 2. Flexibility to choose premium amount. 3. Option to change level of Premium even after the plan has started (Top up facility). 4. Flexibility to change asset allocation by switching between funds. 2. Transparency 1. Changes in the plan & net amount invested are known to the customer. 2. Convenience of tracking one s investment performance on a daily basis. 3. Liquidity 1. Option to withdraw money after few years (comfort required in case of exigency). 2. Low minimum tenure. 3. Partial / Systematic withdrawal allowed 4. Fund Options 1. A choice of funds (ranging from equity, debt, cash or a combination). 2. Option to choose fund mix based on desired asset allocation

32 ANNUAL REPORT Traditionally, endowment plans have invested in government securities, corporate bonds and the money market. ULIPs however, have a broader choice. They invest across the board in stocks, government securities, corporate bonds and money market instruments. Of course, within a ULIP there are options wherein equity investments are capped. The common types of funds available in ULIPs are Bond Fund, Protector Fund, Secure Fund, Balanced Fund, Growth Fund, Index Fund, and Enhancer Fund. Depending on one s risk appetite one can choose the fund. However the investment risk is borne by the investor. The common type of charges, fees and deductions in ULIPs are Premium allocation charges, Mortality charges, Fund management charges, Policy/administration charges, Surrender charges, Fund switching charges and Service tax. Insurance companies are required to declare the NAV of various ULIPs on a daily basis. The movement of NAV enables the policy holder to assess the performance of his investment and accordingly make intervention in the form of switches, withdrawal and top-ups. After opening up of the insurance sector, Unit-linked insurance policies (ULIPs) have become increasingly popular. Analysis of figures for the last three years indicates the growth pattern of unit linked business. TRENDS IN LIFE INSURANCE BUSINESS UNIT LINKED INSURANCE PLANS Unit Linked Business (%) Non-linked Business (%) Private LIC Industry Trend in Insurance Business in India -- Last Three Years Percentage Linked Non-linked Private LIC Industry Private LIC Industry Private LIC Industry Year 16 16

33 ANNUAL REPORT As reflected in the business figures and the above chart it is the unit linked business which is driving the growth of premiums over the last 2-3 years. While the private players have taken the lead in this segment, LIC has also made strong strides in the sale of ULIPs during the last three years. Despite the growing popularity of ULIPs it remains a fact that the policy holders rely heavily on the advice rendered by the distributors. The complicated design of the policies makes them less aware of the product features and chances of mis-selling by agents are high. To protect the interest of the customers, IRDA has taken the following initiatives. Issuance of comprehensive ULIP guidelines in 2005 which mandate minimum risk cover, three year lock-in, usage of simple language, proper disclosures, standard method of computing NAV etc Insurers to make projections of return as per the guidelines of Life Insurance Council. To ensure transparency, IRDA has directed the insurers to list all charges that the policyholder has to bear along with the amount available for investment in each year specific to each policy. IRDA has also stipulated that policyholders would have to sign a document stating that they have understood the terms and conditions of the policy before concluding the sale. The customer can also use 15 days free look period in case he is not satisfied with the terms and conditions of the policy. To remove complexity in unit linked products IRDA has advised the insurers to phase out some of the actuarially funded ULIPs. World wide, Unit linked products have been seen as attractive- in view of the flexibility and investment options they offer to the customers and the capital efficiency to the companies. After the market crash of 2001, customers started looking for more security and guarantees in the unit linked products. Adding guarantees to unit linked products has been common in Europe, North America and Japan. The unit linked market though new in Asia is growing steadily in countries like Korea, Taiwan and South East Asia. Variable Annuity products are slowly emerging in these markets and from the customer point of view are quite attractive, especially when they provide guarantees on pension savings. In India, the long-standing debate over the suitability of Unit Linked Insurance Plan (ULIP) and mutual funds can be resolved better with a proper understanding of the need of the investor. Mutual funds are essentially short to medium term products. ULIPs, in contrast, are positioned as long-term products with an element of life cover. It is pertinent to note that exposure of Indian households to capital markets is limited. It is important for an investor to understand his financial goals and horizon of investment in order to make an informed investment decision

34 ANNUAL REPORT TABLE 7 PREMIUM UNDERWRITTEN BY LIFE INSURERS (Rs. Crore) Insurer Regular premium LIC (117.70) (-12.26) Private Sector (105.59) (85.24) Total (113.40) (21.00) Single premium LIC (78.10) (28.24) Private Sector (44.04) (27.82) Total (72.60) (28.18) First Year premium LIC (97.17) (6.71) Private Sector (89.08) (73.56) Total (94.96) (23.88) Renewal premium LIC (14.97) (25.41) Private Sector (83.37) (102.16) Total (19.87) (33.83) Total premium LIC (40.79) (17.19) Private Sector (87.31) (82.50) Total (47.38) (29.01) Note: Figure in brackets indicate the growth (in per cent) The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in favourable growth in total premium for both LIC (17.19 per cent) and private insurers (82.50 per cent) in Private insurers have improved their market share from per cent in to per cent in in the total premium collected during the year. Segregation of the first year premium underwritten during indicates that Life, Annuity, Pension and Health contributed 59.54; 2.75; and 0.10 per cent to the premium underwritten, as against 67.40; 2.62; and 0.04 per cent respectively in the previous year. The shift in favour of pension products is visible for the third consecutive year. Increase in the renewal premium is a good measure of the quality of business underwritten by the insurers. It reflects increase in persistency ratio and enables insurers to bring down the overall cost of doing business. The renewal premium underwritten by the life insurance industry, during grew by per cent as against per cent in Private insurers and LIC reported growth rates of per cent and per cent respectively during the year under review. TABLE 8 MARKET SHARE OF LIFE INSURERS (Per cent) Insurer Regular Premium) LIC Private Sector Total Single Premium LIC Private Sector Total First Year Premium LIC Private Sector Total Renewal Premium LIC Private Sector Total Total Premium LIC Private Sector Total

35 ANNUAL REPORT

36 ANNUAL REPORT Segregation of first year premium (based on the monthly data of premium underwritten) into linked and non-linked components revealed consolidation towards linked products, with premium underwritten at Rs crore in as against Rs crore in , a growth of per cent. The non-linked premium was Rs crore as against Rs crore in , i.e., a negative growth of per cent. Linked and non-linked business accounted for and per cent of total business in as against and per cent respectively in The continued shift towards preference for linked products coincided with the sustained positive performance of the stock markets in the country in the first half of In the case of LIC, per cent of the first year premium was from linked products while non-linked products contributed per cent (46.31 and per cent respectively in ). In the case of private insurers, these proportions were and 8.03 per cent respectively in as against and per cent in Response to unit linked products in the last four years reflects the preference of the customer to such products and the life insurers have recognized the needs of the customers and are orienting towards ULIP products. Expenses of the life insurers Section 40 B of the Insurance Act, 1938 provides that no insurer shall in respect of life insurance business transacted in India, spend as expenses of management in excess of the prescribed limits. Expenses of management include all commission payments and operating expenses. The Insurance Rules, 1939 further lay down the manner of computation of the prescribed limits. A major expense head for the life insurers is commission paid to the intermediaries. As against the industry average of per cent (16.59 per cent in ), LIC incurred an expense ratio of per cent (16.03 per cent in ) towards commission on first year premium (excluding Single Premium). For the private insurers this ratio worked out to per cent (17.68 per cent in ). The commissions paid by LIC towards the single premium was 1.49 per cent as against industry average of 1.43 per cent. The corresponding ratio for private insurers averaged to 1.0 per cent. The total commission paid by the life insurers in amounted to Rs crore as against Rs crore in (Table 9). It was observed that commissions paid by the life insurance companies for procurement of new business has increased compared to the previous year pointing to increased competition in the sector. Management expenses of private insurers had stabilized in In , six companies namely Bharti Axa, Aviva, ING Vysya, Reliance and new entrants - Future Generali, and IDBI Fortis exceeded the prescribed limits. Out of 18 companies which underwrote business during , 12 companies complied with the stipulations on expenses of management. However, Bharti Axa which started business in exceeded the prescribed limits in the year , In the case of Future Generali, IDBI Fortis and Bharti Axa, the excess was within the norms for the life insurance industry. In the case of LIC, the expenses of management continued to be within the allowable limits. TABLE 9 COMMISSION EXPENSES OF LIFE INSURERS (Rs. Crore) Insurer Regular LIC Private Sector Total Single Premium LIC Private Sector Total First Year LIC Private Sector Total Renewal LIC Private Sector Total Total LIC Private Sector Total

37 ANNUAL REPORT The major expense heads for the private insurers were employee expenses at per cent (37.93 per cent in ); advertisement and publicity at 8.92 per cent (8.89 in ); training expenses (including agents training and seminars) at 5.96 per cent (6.92 per cent in ). Employee remuneration and welfare benefits accounted for per cent of the operating expenses of LIC in as against per cent in the previous year. TABLE 10 COMMISSION EXPENSES RATIOS (in per cent) Insurer Regular LIC Private Sector Total Single Premium LIC Private Sector Total First Year LIC Private Sector Total Renewal LIC Private Sector Total Total LIC Private Sector Total Note: Commission expenses ratio is the ratio between commission expenses and the premium underwritten by life insurers As the private insurers have leaner organizational structures compared to LIC their average worked out to per cent as against per cent in Advertisement and publicity expenses of LIC accounted for 2.44 per cent of the total operating expenses (3.03 per cent in ). Training expenses in the case of LIC accounted for 1.73 per cent of the operating expenses (1.93 per cent in ). TABLE 11 OPERATING EXPENSES OF LIFE INSURERS (Rs. Crore) INSURER LIC Private Sector TOTAL Operating expenses as a per cent of gross premium underwritten for the private insurers worked out to more or less at the same level as in In the case of LIC, operating expenses constituted 5.55 per cent of the gross premium underwritten in same as in TABLE 12 OPERATING EXPENSES RATIOS (in per cent) INSURER LIC Private Sector TOTAL Note: Operating expenses ratio is the ratio between operating expenses and the premium underwritten by the life insurers The average for the life insurance companies worked to per cent in as against 8.70 per cent in However, given that the industry is expanding and companies have sought permission to widen their office network, it may be expected that there could be a strain on the expense in the current year ; this would particularly affect the new entrants to the industry

38 ANNUAL REPORT Benefits Paid The life industry paid gross benefits of Rs crore in (Rs crore in ) constituting per cent of the gross premium underwritten (35.73 per cent in ). The benefits paid by the private insurers showed an increase of per cent at Rs crore (Rs crore in ), constituting per cent of the premium underwritten (8.73 per cent in ). LIC paid benefits of Rs crore in , constituting per cent of the premium underwritten (Rs crore in constituting per cent of the total premium underwritten). The benefits paid by the life insurers net of re-insurance were Rs crore (Rs crore in ). There has been a significant increase in the benefits paid on account of surrenders/withdrawals amounting to Rs crore as against Rs crore in With a stipulation of minimum lock-in period of three years for ULIP products, surrenders as a per cent of premium underwritten may come down in future. Investment income As the operations of the life insurers stabilize, their investment base gets strengthened, resulting in investment income forming a larger proportion of their total income. In the case of LIC, the investment income including capital gains was higher at Rs crore in compared to Rs crore in As a percentage of total income, it increased to per cent in from a decline of per cent in The investment income of the private insurers, inclusive of capital gains, was Rs crore in as against Rs crore in The share of investment income in the total income for the private life insurers increased to per cent in (4.81 per cent in ). Companies have also reported an improvement in the yields on their investments. The industry is still in the process of stabilizing and despite additional share capital, it takes time to reach the consolidation stage. Profits of life insurers Life insurance industry is capital intensive, and insurers are required to inject capital at frequent intervals to achieve growth in premium income. Given the high rate of commissions payable in the first year, expenses towards setting up operations, training costs for developing the agency force, creating a niche market for its products, achieving reasonable levels of persistency, providing for policy liabilities, and maintaining the solvency margin, would be difficult for the insurers to earn profits in the initial seven to ten years of their operations. In , four of the private sector companies reported net profits. SBI Life insurance company was the first private company to report net profit of Rs.2.02 crore in It reported higher net profit of Rs.3.83 crore in and further increased its net profit level to Rs crore in The company has succeeded in achieving an early break even on account of its lower cost of operations due to the large network of its Indian partner, the State Bank of India. However, the insurer still continues to report a deficit in the Revenue Account. However, some segments namely Non-participating individual; Group-other than retirement and Annuity generated surplus in ). Shriram Life, which commenced operations in February, 2006, too reported net profit for the third successive year of operations. However, it reported a lower net profit of Rs.5.58 crore in as against Rs.9.50 crore in With the total premium underwritten at Rs crore, the company s operations have, however still to take off in a significant manner. In , Metlife and Sahara life have reported net profits of Rs crore and Rs.3.34 crore respectively. As against net loss of Rs crore in , Metlife reported net profit of crore in The company has reported profits by carrying deficit of Rs.488 crore in the Revenue Account. Sahara Life has reported maiden net profits in at Rs.3.34 crore, against net loss of Rs lakh in The company has reported surplus in the non-participating Individual Term and Pension segments, although on a small portfolio. All the private insurance companies reported deficit in their respective Revenue Accounts in Some of these companies reported surpluses in some segments of their business in The deficits in Revenue account necessitated injection of further capital by the shareholders (except for Shriram Life). During insurers continued to declare bonus despite reporting deficit in the Policyholders Account (Revenue Account). It may be recalled that in , recognizing the need of the new insurers to declare bonus to maintain their 22 22

39 ANNUAL REPORT competitive stance in the market, the Authority had permitted declaration of bonus despite non-availability of actuarial surplus subject to compliance with the conditions imposed by the Authority. This relaxation has now been extended up to a period of seven years from commencement of operations. Returns to shareholders in LIC transferred Rs crore to the Government of India (Rs crore in ) complying with the provisions of Section 28 of the LIC Act, Retention Ratio LIC traditionally re-insures a small component of its business. During , Rs crore was ceded as re-insurance All insurers except for Metlife, transferred funds from the premium (Rs crore in ). Similarly, in the case of Shareholders Account to the Policyholders Account to bridge private insurers, a small component of the business was the deficit in the Policyholders Account (Revenue Account) reinsured, with group business forming the major component so as to meet the stipulations of the Authority for declaration of the re-insurance cessions. The private insurers together of bonus in case of deficit in the Policyholders Account. During ceded Rs crore (Rs crore in ) as , the net losses reported by the private insurers stood premium towards re-insurance. It may be recalled that the at Rs crore (Rs crore in ). The net risks pertaining to the investments component of the unit linked profits in the Profit & Loss account of the five insurers, including insurance products continue to be borne by the policyholders LIC, stood at Rs crore (Rs crore in ). and a significant component of the new business premium The continued financial support through equity injections underwritten by the industry in was from unit linked reflected the promoters commitment towards stabilizing the products. The re-insurance parameters may also undergo respective insurer s operations. some change because IRDA has stipulated a minimum level TABLE 13 DIVIDENDS PAID : LIFE INSURERS (Rs. Crore) of risk cover in respect of unit linked products. (Statement-4) Analysis of Death Claims Individual Policies Insurer LIC The life insurance sector has settled 5.53 lakh claims on individual policies, with a total payout of Rs crore. Private Sector - - The number of claims repudiated was 9027 for an amount of Total Rs crore. The number of pending claims stood at for an amount of Rs crore. Of the pending LIC continued to report surplus in the Policyholders Account claims, 1684 were pending for more than one year and 2454 (Revenue Account in Surplus in the said account, claims were pending for more than 6 months but less than adjusted for interim bonus and allocation of bonus to one year. The details are available at Statement 58. policyholders was Rs crore as against Rs crore TABLE 14 INDIVIDUAL DEATH CLAIMS (Figures In percent of policies) Life Insurer Total Claims Claims Claims Claims Break up of claims pending Claims paid repudiated written pending at duration wise (Lives) back end of year < 3 mths 3 - < 6 mths 6 - <1 yr > 1 yr Private Total LIC * Total *In the Annual Report for FY , total individual death claim figures of LIC erroneously included group as well as foreign office business claims also. In the current FY, the figures pertain to individual death claims arising in the Indian operations of LIC

40 ANNUAL REPORT The claim settlement ratio of LIC was better than that of the private life insurers. While LIC settled per cent of claims intimated to them, the private life insurers settled per cent of claims. The percentage of repudiations for LIC was quite low at 1.13 per cent as against per cent for the private life insurers. Group Policies A total of group claims were settled in the year out of the claims intimated. The number of group claims repudiated in the year was 1241, which was 0.76 per cent of the claims intimated. TABLE 15 GROUP DEATH CLAIMS (In percent of lives covered) Life Insurer Total Claims Claims Claims Claims Break up of claims pending Claims paid repudiated written pending at duration wise (Lives) back end of year < 3 mths 3 - < 6 mths 6 - <1 yr > 1 yr Private Total LIC Industry Total Private insurers have settled per cent of the total claims payable while 9.66 per cent remained pending at the end of the year II) Non-Life Insurance As on March 31, 2008 there are 18 general insurance companies which have been granted registration for doing nonlife insurance business in the country. Of these 6 are in public sector and the rest in private sector. Of the public sector companies, two are specialized insurance companies; one for credit insurance (ECGC) and another for Agriculture (AIC). Of the 12 private sector companies, three have been granted license during including one stand alone health insurance company. The performance of the two specialised insurance companies is reviewed separately in the Annual Report. As such, the analysis in this section confines to 4 public sector companies and 10 private insurance companies. The performance of the two standalone health insurance companies has been covered under a separate sub-section. Paid-up Capital The total paid up capital of general insurers as on March 31, 2007 was Rs crore. During , the general insurers have added Rs crore to their capital. The increase in the paid up capital of the private insurers through capital contributions during the year was Rs crore (Rs crore in ). TABLE 16 PAID-UP CAPITAL : NON-LIFE INSURERS AND RE-INSURER (Rs. Crore) Insurer As on Additions As on March 31, during the year March 31, Non -Life Public Sector Private Sector Specialized Institutions ECGC AIC Star Health Apollo DKV Re-insurer GIC Total This addition includes the equity capital brought in by the health insurer and the two new insurers who were granted registration during (domestic promoters Rs crore and foreign joint venture partners Rs crore). The specialised insurer ECGC had added Rs.100 crore to its capital during the year. PSU insurers have not added capital during the current year

41 ANNUAL REPORT Box Item 2 LAPSATION OF LIFE INSURANCE POLICIES Lapsation can be explained as the discontinuance of payment of premiums by the policyholder during the term of the life insurance policy in violation of his obligations set out in the terms of the policy contract. It usually results in termination of risk cover on the policy. In case of lapse of a policy in the first few years, all or most of the premiums paid are usually forfeited by the insurer and the policyholder ends up losing whatever premiums have already been paid towards the policy. This phenomenon has emerged as a major bane of the life insurance sector in view of the large number of policies falling into lapsation at different time points of the contracts. The fact that as many as 86 lakh non-linked policies have lapsed in the year holds mirror to the seriousness of the matter. Lapsation can be categorized as first year lapsation and renewal lapsation, based on whether the policy lapses in its first year itself or after the premium for the first year has been fully paid. When a policyholder purchases a policy under wrong advice, information or perception and realizes later that the features of the policy do not match his requirements, he is most likely to return the policy under free-look provisions. In case he is not able to exercise free look option within 15 days from the receipt of the policy bond, he may have no option but to discontinue the policy. It is also possible that many policyholders may not even be aware of the introduction of the free-look provision under clause 6 (2) of the IRDA (Protection of Policyholders Interests) Regulations, 2002, as a result of which they may allow the policies to lapse. Majority of the lapses occurring in the first few years of the policy are caused by mis-selling intentional or otherwise, and selling under duress for instance, in consideration of a loan sanctioned by a Bank or any other nature of favour done by the insurance salesman to the policyholder, or under obligation to a relative or a friend. In addition to the above, the degree of lapsation of policies is impacted by the quality of follow up for renewal premium payments as well as the convenience in payment of premiums. Overselling as well as decline in the fortunes of the policyholder make the policy unaffordable to him and are therefore likely to lead to its surrender or lapse. Termination of agency which is quite rampant in the industry renders millions of policies orphan. Orphan policies are prone to neglect due to lack of follow up/servicing support of the procuring agent and are known to lapse in large numbers. The Insurance Act, 1938 through section 40 (2A) has therefore created a provision for payment of commission on orphan policies revived (based on medical examination) by an agent other than the one procuring the same. In the era of multi-channel distribution, it is observed that some of the new channels have the muscle to sell while they are not supported by adequate servicing infrastructure. This impacts lapsation ratio. Insurers therefore need to monitor channel-wise levels of lapsation in order to plug the same

42 ANNUAL REPORT The fixity/inflexibility in the terms of a long term policy contract is another major contributor to lapsation. A decline in the fortunes of the policyholder, altered financial needs or plans or revision in the desired investment mix call for the provision to alter the policy terms, in the absence of which the policyholder may be induced to lapse or surrender a policy. Lapsation adversely affects all the stakeholders in the industry. The policyholders, who enter a contract with hopes of protection and long term investment benefits, are not only deprived of the same but also end up losing the hard earned monies in the form of premium instalments already paid on the lapsed policy. Lapsation is one of the most major sources of leakage of revenues for an insurer. The insurers cash inflow projections are upset due to non-materialization of expected renewal premium revenues, in turn affecting the expense ratios and profits. This phenomenon leads to a loss of reputation/credibility of the insurers concerned in particular and also the entire industry at a larger level. The agents witness a fall in their renewal commission incomes as a result of lapsation and also suffer a loss of goodwill of their clients, which in turn adversely impacts their future business prospects. Lapsation therefore needs to be addressed with the seriousness and urgency it deserves by all concerned. The industry needs to evolve more flexible products and more convenient and automated premium payment mechanisms. The sales machinery needs to depend on fine tuned, customized and need-based selling of policies of affordable ticket sizes rather than follow pushy, short sighted and self absorbed sales techniques. Development of a stable and trained agency force whose remuneration, incentives and credits are linked to control of lapsation helps inculcate disciplined selling and prompt servicing habits among them. The insurers also need to install follow up mechanisms which ensure that premium payments are reminded in advance and that lapsed policies are pursued diligently with the policyholders

43 ANNUAL REPORT Policies Issued The total number of policies issued by the general insurers in were lakh as against lakh in registering an increase of per cent. Of the total policies issued, per cent were by private insurers and per cent by public insurers. While the growth in number of policies issued by public insurers was per cent, the corresponding growth of private insurers was per cent. Among the public insurers New India recorded a growth of 5.05 per cent and United India per cent. There has been a decline in the number of policies underwritten by both National Insurance and Oriental Insurance. TABLE 17 POLICIES ISSUED : NON-LIFE INSURERS Insurer Public Sector (-19.48) (13.47) Private Sector (41.85) (47.36) Total Note: Figure in brackets indicate the growth (in per cent) over previous year. The number of policies underwritten by the private insurers increased by per cent as against per cent in Cholamandalam MS registered the highest growth rate of per cent and Reliance General registered a growth of per cent during Premium The general insurance companies have underwritten a total premium of Rs crore in as against Rs crore in exhibiting a growth rate of per cent. The four public sector insurers have underwritten a premium of Rs crore in as against Rs crore in registering a growth of 3.52 per cent. The comparatively lower growth rate for the public insurers needs to be seen in the light of their high base. TABLE 18 PREMIUM UNDERWRITTEN BY NON-LIFE INSURER (WITHIN INDIA) (Rs.Crore) Insurer Public (8.41) (3.52) Private (61.24) (27.12) Total (22.33) (11.72) Note: Figure in brackets indicate growth in per cent The premium underwritten by 10 private sector insurers in was Rs crore as against Rs crore in exhibiting a growth of per cent. The general insurance industry has added Rs crore in premium during the year ; of which public insurers contributed Rs crore and the private insurers Rs crore. The increase in premiums was witnessed across all the public sector companies except Oriental. New India has added the highest premium of Rs crore followed by United India and National Insurance at Rs crore and Rs crore respectively. Oriental Insurance has shown a decline in its premium by Rs crore. All the private insurers have reported increase in premiums during Reliance has added premium of Rs crore, and registered a growth of over the previous year. Bajaj Allianz has added Rs crore followed by ICICI Lombard with Rs crore added to their earlier premium levels. The private insurers are increasing their market share over the past few years. In , the private insurers had a market share of per cent which was higher than per cent in As a consequence, there has been a decline in the market share of the public insurers to per cent in from per cent in the previous year. Despite the decline in the market share of the public sector insurance companies, the volume of premium underwritten by them has increased over the previous year reflecting the expansion of general insurance market (Statement 29). This 27 27

44 ANNUAL REPORT growth in the volume of business needs to be viewed in the background of being the first full year of complete detariffing of the general insurance. Among the public sector insurers, New India had the largest market share at per cent in , lower than its market share of per cent in the previous year. Oriental Insurance, National Insurance and United India Insurance had market shares at per cent, per cent and per cent respectively as against per cent, per cent and per cent in the previous year. TABLE 19 GROSS DIRECT PREMIUM INCOME IN INDIA Premium Market Share (Rs. Crore) (In per cent) Company NATIONAL NEW INDIA ORIENTAL UNITED Public ROYAL SUNDARAM RELIANCE IFFCO-TOKIO TATA AIG ICICI LOMBARD BAJAJ ALLIANZ CHOLAMANDALAM HDFC CHUBB FUTURE GENERALI UNIVERSAL 50 MPO Private Total Among the private insurers, ICICI Lombard had the highest market share of followed by Bajaj Allianz with 8.55 per cent. Reliance has registered a substantial increase in its market share from 3.66 in to 7.00 in Future Generali which commenced operations during have reported a negligible market share of 0.04 per cent. Different segments of the general insurance business have contributed to the increase in premium for both public and the private sector insurers. The highest contribution in has come from the motor segment which constituted per cent of the total premium higher than per cent in Fire segment constituted per cent in the total premium underwritten in lower than that observed in the previous year (16.59 per cent). TABLE 20 PREMIUM UNDERWRITTEN (WITHIN INDIA) BY NON- LIFE INSURERS - SEGMENT-WISE (Rs.Crore) Segment Fire (16.59) (12.43) Marine (6.54) (6.47) Motor (42.95) (45.59) Health (13.29) (17.59) Others (20.63) (17.92) Total Note : Figure in brackets indicate the share of the segment (in per cent) to the total. Premium collection in Health has increased in from its level in Health premium contribution to the total in was per cent of the total premium in as against per cent in Motor and Health portfolios together constituted per cent in the total 28 28

45 ANNUAL REPORT premium as against per cent in Marine segment contributed the least at 6.47 per cent in Premium Underwritten Outside India The public sector general insurers have also been underwriting premiums outside India. The total premium underwritten outside the country by them was however lower at Rs crore in than Rs crore in registering a negative growth of 4.22 per cent. Measured in terms of the total premium underwritten by the public insurers, 5.51 per cent of the business accounted for premium underwritten outside India (5.93 in ). New India is having operations in 27 countries through a network of branches, agencies, associate companies and subsidiaries. Premium underwritten outside India by the company constituted per cent (15.49 per cent in ) of the total premium underwritten by the company in Oriental has a small component of overseas business with 2.36 per cent (2.29 per cent in ). In the case of National Insurance, the outside India business was 0.37 per cent (0.33 per cent in the previous year). TABLE 21 RATIO OF OUTSIDE INDIA PREMIUM TO TOTAL PREMIUM (Per cent) Insurer National New India Oriental United Of the total premium of Rs crore written outside India in National has underwritten a premium of Rs crore (Rs crore in ) and New India Rs crore (Rs crore in ). TABLE 22 GROSS DIRECT PREMIUM FROM BUSINESS OUTSIDE INDIA : NON-LIFE INSURERS (Rs. Crore) Insurer National (0.24) (16.05) New India (4.02) (-4.90) Oriental (11.61) (-0.20) United - - Total Note : Figure in brackets indicate the growth rate over previous year Oriental Insurance underwrote a premium of Rs crore outside India in as against Rs crore in United India had ceased operations outside India in (Table 22) Underwriting Experience The underwriting losses incurred by the public and private sector insurers during the year increased to Rs crore from Rs crore in the previous year. The public sector insurers during the year have incurred underwriting losses to the tune of Rs crore as against Rs crore in As a percentage of net premium, the underwriting losses have increased to per cent in from per cent in This ratio ranged between 2.19 and per cent across the private insurance companies. In , this ratio was in the range of 1.43 to per cent. For the public sector insurers the ratio of underwriting loses to net premium ranged between and per cent (14.38 and per cent in ). A significant increase in underwriting losses was observed across all the four public sector insurers, causing a concern. The underwriting losses of National Insurance were (19.73 in ); followed by New India at (14.38); United 29 29

46 ANNUAL REPORT India (30.80) and Oriental Insurance at (19.40). It may be mentioned that the underwriting losses of National Insurance has roughly doubled from Rs crore in to Rs crore in (Statement 28). New India reported underwriting profits in the Fire Segment; Oriental and National reported underwriting losses in all three segments Fire, Marine and Miscellaneous as against profits in Fire Segment in ; United India too reported underwriting losses in the three segments as in the year Among the private insurers except the new entrants Future Generali and Universal Sompo, all others registered profits in the Fire Segment in In the Marine and Miscellaneous segments all the private insurers reported losses in In the previous year only Royal Sundaram reported a profit of Rs crore in the Marine Segment. TABLE 23 UNDERWRITING LOSSES : NON-LIFE INSURERS (Rs. Crore) Insurer Public Sector Private Sector Total The private sector insurers have also registered an increase in underwriting losses from Rs crore in to Rs crore in These losses constituted about 8.37 per cent of the net premium underwritten in as against 2.28 per cent in In effect, all the companies have reported an increase in underwriting losses during the year Expenses of Non-Life Insurers Out of the fourteen non-life insurers (excluding specialized companies ECGC, AIC and Health Insurance companies), the expenses of management of five insurers for the year were within the limits prescribed under section 40C read with Rule 17E, as against five in Three private sector insurers (ICICI Lombard, IFFCO-Tokio, and Bajaj Allianz) continued to be compliant with the limits on expenses of management as in Universal Sompo which commenced operations in was compliant with the limits under the Act and the rules framed there under. Amongst the existing private sector insurers, Royal Sundaram, TATA AIG, Cholamandalam, HDFC and Reliance General were noncompliant in Future Generali which commenced operations in the year is non-compliant in its first year of operations. Amongst the public sector insurers while New India is compliant with the expenses of management as per Rule 17E, National Insurance, Oriental Insurance and United India were non-compliant during TABLE 24 OPERATING EXPENSES : NON-LIFE INSURERS (Rs.Crore) Insurer Public Sector Private Sector Total Note : Public sector does not include ECGC,AIC and GIC The operating expenses of the non-life insurers increased to Rs crore in (Rs crore in ) reporting a growth of per cent. Public sector insurers incurred operating expenses of Rs crore and the private sector insurers incurred Rs crore. Operating expenses as a per cent of gross premium underwritten was per cent for public sector non-life insurers and per cent for the private sector insurers. The corresponding ratios for were and per cent respectively. Expenditure towards Employee remuneration & Welfare benefits constituted a significant component of the total operating expenses of the public insurers. While this ratio was per cent for National Insurance, the highest among the non-life public sector insurers, it was 78.06, and per cent for United India, Oriental Insurance and New India respectively. As against this, the expenses towards employee costs in the case of private insurers ranged between and per cent of the operating expenses. The 30 30

47 ANNUAL REPORT major expenses for the private insurers were towards legal and professional charges (9.30 per cent), office expenses (7.48 per cent), and advertisement and publicity (3.94 per cent). TABLE 25 COMMISSION EXPENSES (Rs. Crore) Private Sector Public Sector Department Fire Marine Motor Health Others Total Commission as a per cent of expenses of management stood at and per cent respectively for the public and private sector insurers (56.41 and per cent respectively in ). Commission expenses as per cent of gross premium underwritten stood at 6.39 and 7.59 per cent in the case of public and private sector insurers (7.17 and per cent respectively in ). Investment Income The Non life insurers have reported higher investment income during on a growing investment portfolio. The return on investment income was accrued on account of sale of investments, redemption of securities and interest / dividend income of the securities held. Other than Oriental Insurance and HDFC Ergo which reported a negative growth in investments , all other insurers have reported a growth in gross investment income. TABLE 26 INVESTMENT INCOME (Rs.Crore) The gross investment income of the general insurers was Rs crore in as against Rs crore in recording a growth of per cent over the previous year. Investment income of the public sector insurers increased to Rs crore from Rs crore in (an increase of 8.01 per cent over the previous year). Increase in the investment income has been reported by all public sector insurers except Oriental Insurance which reported a marginal decline in investment income of 1.46 per cent. All private insurers have reported increases in the investment income and their total investment income went up to Rs crore in from Rs crore in , an increase of per cent (54.02 per cent in ). (Statement 34 & 35) Incurred Claims Ratio The net incurred claims of the non-life insurers were Rs crore in (Rs crore in ) registering a growth of per cent over the previous year. The public insurers have higher net incurred claims of Rs crore compared to Rs crore in (growth of per cent). TABLE 27 NET INCURRED CLAIMS OF NON-LIFE INSURERS (Rs. Crore) Insurer Public Sector (-0.29) (15.05) Private Sector (61.66) (69.63) Total (7.62) (25.52) Note: Figure in brackets indicates the growth rate (In per cent) over the previous year. Insurer Public sector ( 3.09 ) ( 8.01 ) Private sector ( ) ( ) Total Note: Figure in brackets indicate the growth rate (in per cent) of the respective sector

48 ANNUAL REPORT As a ratio of net premium the net incurred claims of public sector insurers was per cent, higher than per cent in the previous year. This ratio varied between per cent and per cent across the four public sector companies. Increase in this ratio was observed across all four public sector insurers, with higher increase in the ratio in TABLE 28 INCURRED CLAIMS RATIO the case of National Insurance (7.54 percentage points) and New India (6.48 percentage points). The incurred claims ratio of New India increased from in to 86.82; United India from to 92.75; National from to and Oriental Insurance from to per cent. (Statement 30&31) (In Per cent) Public Sector Private Sector Total Segment Fire Marine Motor Health Others Total In case of the private insurers, the net incurred claims increased to Rs crore from Rs crore in The net incurred claim ratio for the private sector insurers was (68.02 in ). All private insurers reported higher incurred claims ratios as against those in the previous year. As indicated earlier two insurers had commenced operations only in Post de-tariffing, the fire segment has exhibited a higher incurred claims ratio across the industry at per cent in (58.52 per cent in ). Similarly, the motor segment reported a higher ratio at per cent (84.69). While marine segment was more or less same as per cent (86.52), the Health segment reported a significant decline in the incurred claims ratio to 107 per cent in from per cent recorded in In the case of public sector insurers, the incurred claims ratio was the highest in the Health Segment at per cent ( per cent in ); followed by motor and marine segments at and per cent respectively ( and in ). In , United India had the highest net incurred claims ratio at per cent and per cent in maine segment. Oriental had the highest incurred claims ratio in the fire segment at followed by National Insurance at per cent. In the case of private sector, the incurred claims ratio was the highest in Marine business at per cent (112.57) followed by Health segment at per cent (103.42) and Motor segment at per cent (64.28). In among the private insurers, Reliance and IFFCO- Tokio had the highest net incurred claims ratio of per cent (74.62) and per cent (47.29) respectively for the fire segment. The highest claim ratio in the Marine segment was reported by ICICI Lombard at per cent (94.46) followed by Reliance at per cent (93.63). In the health segment, HDFC Chubb held the highest incurred claim ratio at per cent (87.10), followed by IFFCO-Tokio at per cent (152.89). Net Profits Despite underwriting losses, the public sector insurers have reported profits on account of the higher investment income. The total net profits earned by both public and private sector insurers during declined to Rs crore from Rs crore in , a decline of per cent. Due to higher underwriting losses, the non-life insurers relied on investment income to report profit in the Profit & Loss Account (Shareholders account). Except for one insurer each in the public and private sectors, namely Oriental Insurance and HDFC, all insurers have reported increase in the investment income over the previous year. The cumulative investment income of the public and private sector insurers stood at Rs crore and Rs crore respectively in (Rs crore and Rs crore in ). In , New India reported net profit after tax of Rs crore; United India of Rs crore; National of Rs

49 ANNUAL REPORT crore; and Oriental of Rs.9.30 crore. In the case of Oriental, the lower profits were on account of higher incurred claims ratio. Secondly, the company has shown higher expenses of management due to adopting of AS-15 which impacted the profitability. Six private insurers reported profits after tax during Two insurers who had reported profits in , reported losses in Reliance reported net losses for the first time since commencement of operations in and HDFC which reported profits in and , reported net loss of Rs.17 crore in The two non-life insurers who commenced operations in have reported losses of Rs crore and Rs crore. The net profits of these six private insurance companies were Rs crore as against Rs crore reported by eight insurers in The net loss of the four other private insurers was Rs crore. Returns to the Shareholders The four public sector general insurance companies in have contributed Rs crore as against Rs crore in to the exchequer as dividends. The lower dividend payments was mainly on account of lower net profits reported by Oriental and National which resulted in lower dividend being declared by Oriental at Rs.0.75 per share in and National at Rs.3.26 per share. While New India reduced the dividend paid marginally, United India recommended a higher dividend at Rs per share. TABLE 29 DIVIDENDS PAID : NON-LIFE INSURERS (Rs.Crore) Insurer Non -Life Public sector Private Sector Specialized Institution ECGC AIC Re-insurer GIC Total Amongst the private sector insurers, ICICI Lombard was the sole insurer to declare dividends in The company recommended dividend of Rs.5.91 per share. Though Iffco- Tokio declared dividends in and , it did not declare dividends in Star Health and Allied Insurance Co. Ltd. Star Health was the first company to receive certificate of registration to carry on general insurance business exclusively to underwrite health, personal accident and travel insurance segments. In the year ending March 31, 2008, the company which commenced operations in had underwritten a gross direct premium of Rs crore roughly seven times of Rs crore in the previous year. The insurer has reported underwriting loss of Rs.5.65 crore (Rs crore in ). Supplemented by investment income, the insurer reported net profits of Rs.1.28 crore, as against net losses of Rs.2.59 crore in Apollo DKV Health Insurance Co. Ltd. Apollo DKV is the second company to receive certificate of registration to carry on general insurance business to underwrite exclusively in the health, personal Accident and travel insurance segment. The insurer was granted registration in and is in operation for five months. In the year ending March 31, 2008, the insurer had underwritten gross direct premium of Rs.2.96 crore. The insurer reported underwriting losses of Rs crore, and incurred net loss of Rs crore for the year. General Insurance Corporation GIC is the sole insurer of the domestic re-insurance market, providing re-insurance to the direct general insurance companies in India. The Corporation s re-insurance programme has been designed to meet the objectives of optimizing the retention within the country, ensuring adequate coverage for exposure and developing adequate capacities within the domestic market. GIC receives statutory cession of 15 per cent on each and every policy issued by domestic insurers subject to certain limits and leads domestic companies treaty programmes and facultative programmes. Prior to this, the statutory cession were 20 per cent in GIC is also the manager of the Third Party Motor Pool

50 ANNUAL REPORT The total gross premium written by GIC during was Rs crore as compared to Rs crore in The net earned premium during was Rs crore as against Rs crore in recording a growth of per cent It may be pertinent to mention here that the financial position of the company related five quarters for as against four in which was necessitated on account of change in the accounting policy of the insurer. The underwriting results on domestic business showed a loss of Rs.927 crore in (Rs crore in ). The Income from investments was Rs.2031 crore in as against Rs.1849 crore for For the year under review, profit before tax stood at Rs crore as against Rs crore in the previous year and profit after tax stood at Rs crore as against Rs crore in The net incurred claims for all segments put together increased to Rs crore from Rs crore in , thereby impacting the bottomline of the re-insurer. Given the per cent decline in net profits in , the Corporation has recommended a higher dividend at Rs.9.60 per share to the shareholders in (Rs.7.20 per share in ). IRDA directed setting up of Indian Motor Third Party Insurance Pool by all General Insurers in India to collectively service Commercial Vehicle Third Party Insurance business. This arrangement became effective from April 1, The share of GIC in the multilateral re-insurance arrangement shall be 15 per cent same as the share of statutory cessions. The balance of pooled business will be shared by all other member insurers. GIC is the Administrator of the Pool and is being paid a fees of 2.5 per cent plus service tax on the total premium of the pooled business. For this purpose GIC has set up a separate Motor Pool department with adequate manpower, hardware and software systems. In pursuance of the powers conferred by section 101A of the Insurance Act, 1938, the Authority in consultation with the Re-insurance Advisory Committee constituted under section 101B of the Act and with the approval of the Central Government specified that the percentage cessions of the sum insured on each policy to be reinsured with the Indian reinsurer shall be 15 in respect of insurances attaching during the year April 1, 2007 to March 31, 2008 and 10 in respect of insurance attaching during the year April 1, 2008 to March 31, 2009 without any limits on the sum insured or PML of cessions. All other terms for obligatory cessions remain unchanged. The obligatory cessions received by the GIC along-with reinsurance commission and profit commissions are placed at Annex VII. C. RESEARCH AND DEVELOPMENT DEPARTMENT Research and Development department has guided the TAC to collect transaction level data for generating tabulations in respect of motor business. The data was cleaned and tabulations were generated at various aggregate levels so as to help the Authority in arriving at bench marks and the insurers in arriving at technically based rates in a detariffed regime. Further, the aggregate tables have been put on the websites of the IRDA and TAC. Along with the aggregate tables on motor, tabulations in respect of health insurance based on the data collected from TPAs were also generated and placed on the websites of the IRDA and the TAC. Realizing that the existing data formats are not conducive for the analysis in a detariff regime, the data formats were revised in consultation with the underwriters and the insurers. Data formats for collecting information on other lines of general insurance business viz., fire, engineering etc. have been finalized in consultation with a group of underwriters, IT professional and actuaries. The revised formats are put on the IRDA/TAC website. It is expected that companies submit the data as per the formats. The Research and Development department in coordination with the Government of India conducted a National Seminar on Construction of Services Price Index Numbers. This seminar was purported to explain the usefulness of inclusion of insurance business in the basket of Services so that the price movements can be monitored. This Seminar has drawn the attention of the insurers on the important role of the Services sector in the economy in general and within the services sector the insurance sector in particular. Towards this end, the Department has been coordinating with the insurance companies for supply of information to the Ministry of Industry 34 34

51 ANNUAL REPORT in a desired format for compiling the services price index numbers. Further, the department has been liasing with other departments of the IRDA in their data requirements. The R&D has participated actively in the CII Working Group on Data Standards in Health Insurance constituted by CII / IRDA. The report of the group was submitted to the CII. The department is also helping the Ministry of Health, Government of India in devising Standard Treatment Guidelines. D. REVIEW i. Protection of interests of policyholders IRDA s main mission is to protect the interests of the policyholders. The Authority through Regulations mandated the insurers to put in place effective mechanisms for grievances redressal. Consistent with this, the Authority has set up grievance cells separately for life and non-life insurance. There is a separate channel set up in the IRDA to deal with complaints of senior citizens in respect of health insurance policies in the recent past. Apart from receiving specific complaints from policyholders and taking them up with the insurers for resolution, the Authority is proactive in identifying the underlying issues and if necessary conduct focused inspections. The Authority has also advised the insurers to incorporate the grievance redressal channels available to the policyholders in the policy document itself. ii. Maintenance of solvency margins of Insurers Every insurer is required to maintain a Required Solvency Margin as per Section 64VA of the Insurance Act Every insurer shall maintain an excess of the value of his assets over the amount of his liabilities of not less than an amount prescribed by the IRDA, which is referred to as a Required Solvency Margin. The IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, 2000 describe in detail the method of computation of the Required Solvency Margin. In case of Life Insurers, the Required Solvency Margin is the higher of an amount of Rs.50 crore ( Rs. 100 crore in case of Re-insurers) or a sum which is based on a formula given in the Act / Regulation. In case of General Insurers, the Required Solvency Margin, shall be maximum of the following amounts: 1. fifty crore of rupees (one hundred crore of rupees in case of Re-insurer) ; or 2. a sum equivalent to twenty per cent of net premium income; or 3. a sum equivalent to thirty per cent of net incurred claims,subject to credit for re-insurance in computing net premiums and net incurred claims being actual but a percentage, determined by the regulations, not exceeding fifty per cent. IRDA has set a working Solvency Margin Ratio (Ratio of Actual Solvency Margin to the Required Solvency Margin) of 1.5 for all insurers. During , IRDA has introduced the quarterly reporting of Solvency Status for all the Insurers. Accordingly, all the insurers are now required to file their Solvency Status as on June 30, September 30, December 31 and March 31. One of the important factors that influence insurance penetration is the capital requirement under solvency margin. The pure term products provide simple life cover and it is believed that companies could design products, which could reach various segments of the population in meeting their insurance needs thereby enhancing insurance penetration. In line with this objective, the Authority has decided to allow the life insurers to reduce the capital requirement in the case of pure term products without changing the factor loadings in the case of the remaining products. It is expected that the lower level of solvency for pure term products would provide significant relief to the life insurers both under individual products and under group products. This will also help the insurers in launching more pure term products for sufficiently longer periods and at affordable rates. As linked products are assuming significant share in the total premium collected by the insurance companies, and as the investors in these products are bearing the investment risk, it is necessary that more information is disseminated to the prospects / policyholder so that he / she can take informed decisions. In this regard, the Authority has asked the life insurers to be more transparent in the policy wordings of the ULIP products and mandated the insurers to submit to the Authority details on guaranteed benefits and non-guaranteed benefits for each policy year. A format has also been introduced 35 35

52 ANNUAL REPORT for this purpose and the Authority instructed that when the prospects / policyholder propose to take a ULIP policy he / she should sign on both the formats in the proposal form itself. This will benefit the policyholders in knowing about the terms / benefits of the policy and also reduce mis-selling by the agents in quoting abnormal investment returns. Life Insurers All the 18 life insurers who underwrote premiums during have complied with the stipulated requirement of a solvency ratio of 1.5. The Solvency ratio of LIC at 1.52 is the lowest among all the life insurers. Two newly established insurance companies, namely Future Generali India Life Insurance Company Ltd and IDBI fortis Life Insurance Company Ltd. had solvency ratios of 2.94 and 3.45 respectively. While 11 life insurers have improved their solvency ratios during over the previous year, in the case of 5 life insurers this ratio declined during the year over the previous year. Among them, the solvency ratio of Aviva Life Insurance Company ltd., has come down sharply from 6.31 in the year to 2.37 in the year (Statement 49) Non-life insurers All the four public sector non-life insurers have met the stipulated solvency ratio of 1.5. Amongst the specialized insurance companies, ECGC which is underwriting credit business had a solvency ratio of as against reported in the previous year as on March 31, Agriculture Insurance Company has reported a solvency ratio of 3.27 as on March 31, 2008 as against 2.05 as on March 31, All the non-life private insurers have met their stipulated solvency requirement except M/s Apollo DKV Insurance Company Ltd which is a standalone health insurance company. The solvency ratio of this as on March 31, 2008 was However the company subsequently infused capital to the tune of Rs. 61 crore to improve its solvency position. As a result of this the solvency ratio of the company as on August 31, 2008 stood above the minimum of 1.5. Star Health, which is another standalone health insurance company had a solvency ratio of 1.97 as on March 31, Re-insurer The national re-insurer, General Insurance Corporation, reported solvency ratio of 3.36 as on March 31, 2008 as against 4.10 as on March 31, iii. Monitoring of re-insurance Section 14(1) and 14(2) Sub Section (f) of the IRDA Act, 1999 as well as Sections 34F, 101A, 101B and 101C of the Insurance Act, 1938 provides a mandate to the Authority in respect of re-insurance. The Authority has framed regulations laying down ground rules in placing re-insurance with the reinsurers. Under the provisions of the Insurance Act, 1938, the General Insurance Corporation of India has been designated as the Indian re-insurer which entitles it to receive obligatory cessions of 10 per cent from all the direct general insurers in The limits have been laid down in consultation with the Re-insurance Advisory Committee. TABLE 30 NET RETAINED PREMIUM ON INDIAN BUSINESS AS PERCENTAGE OF GROSS DIRECT PREMIUM (EXCL. GIC) (Per cent) Segment Public Sector Private Sector Total Public Sector Private Sector Total Fire Marine Cargo Marine Others Motor Engineering Aviation Other Miscellaneous Total

53 ANNUAL REPORT Every insurer needs a comprehensive and efficient re-insurance programme in order to be able to operate and remain solvent. The Authority desires that the re-insurance programme of every insurer should have the approval of its Board of Directors. The Regulations also provide that every insurer should file its reinsurance programme for the ensuing year with the Authority at least 45 days before the commencement of the year. The insurer is further required to file the treaty slips or cover notes relating to the re-insurance arrangements with the Authority within 30 days of the commencement of the financial year. These measures highlight the existence of adequate and efficient re-insurance arrangements for an insurer because its solvency is assessed on a net of re-insurance basis. TABLE 31 RE-INSURANCE PLACED WITHIN INDIA AND OUTSIDE INDIA AS PERCENTAGE OF GROSS DIRECT PREMIUM IN INDIA (EXCL. GIC) (Per cent) Segment Placed in India Placed outside India Placed in India Placed outside India Fire Marine Cargo Marine - Others Motor Aviation Engineering Miscellaneous Total The Regulations require that every insurer should maintain the maximum possible retention commensurate with its financial strength and volume of business. The guiding principles in drawing up the re-insurance programme are: 1. maximize retention within the country; 2. develop adequate capacity; 3. secure the best possible protection for the re-insurance costs incurred; and 4. simplify the administration of business. TABLE 32 RE-INSURANCE CEDED OUTSIDE INDIA ON INDIAN BUSINESS (EXCL. GIC) (Rs. Crore) Class Premium ceded Net profit ceded Premium ceded Net profit ceded Fire Marine Cargo Marine Others Motor Aviation Engineering Miscellaneous TOTAL

54 ANNUAL REPORT The Regulations also require the Indian Reinsurer to organize domestic pools for re-insurance surpluses in consultation with all insurers. TABLE 33 SHARE OF MEMBER COMPANIES IN THE INDIAN MARKET TERRORISM POOL Insurer Per Risk Share (%) Per Risk Share (%) Capacity Capacity (Rs. Crore) (Rs. Crore) GIC National New India Oriental United India Bajaj Allianz Cholamandalam Future Generali Govt. Insurance Fund, Gujarat HDFC ICICI Lombard IFFCO-TOKIO Reliance Royal Sundaram Tata-AIG Universal Sompo Total During , the total premium ceded to the pool was Rs crore and claims paid was Rs crore. The pool s premium in the previous year was Rs crore with claims paid being Rs crore. In view of the good performance of the pool, the capacity offered by the pool was enhanced to Rs. 750 crore per risk / location effective from April 1, The pool members also agreed for downward revision in terrorism premium rates effective April 1,

55 ANNUAL REPORT TABLE 34 PREMIUM RATES FOR TERRORISM RISK INSURANCE (W.E.F. APRIL 1, 2008) Total Sum Insured per Risk Category Revised Rate* Location (Material Damage + (per mille) Loss of Profit) 1 Upto Rs. 500 Crs. Industrial Risk 0.22 Non-Industrial Risk 0.13 Residential Risk Over Rs. 500 crs. and upto First Rs. 500 crs. as per (1) above PLUS Rs crs. on balance Sum Insured as under : Industrial Risk 0.17 Non-Industrial Risk Over Rs Crs. First Rs crs. as per (2) above PLUS on balance Sum Insured as under : Industrial Risk 0.13 Non-Industrial Risk 0.08 * Rates to be charged on full sum insured (MD+LOP) TABLE 35 COVER LIMIT FOR TERRORISM RISK INSURANCE (W.E.F. APRIL 1, 2008) Total Sum Insured ( MD + LOP ) Not exceeding Rs. 750 crore Exceeding Rs. 750 crore Overall ( MD + LOP ) liability cap per location/ compound Total Sum Insured Rs. 750 crore Re-insurance Advisory Committee As per Section 101A of the Insurance Act, 1938 every insurer shall reinsure with the Indian re-insurer such percentage of the sum insured on each general insurance policy as may be specified by the Authority, which are also known as obligatory cessions or statutory cessions, with the previous approval of the Central Government, after consultation with the Reinsurance Advisory Committee. For this purpose the Authority may by notification a) specify the percentages of the sum insured on each policy to be reinsured with the Indian re-insurer and different percentages may be specified for different classes of insurance provided that no percentage so specified shall exceed 30 per cent of the sum insured on such policy; and b) also specify the proportion in which said percentage shall be allocated among the Indian re-insurer

56 ANNUAL REPORT The Re-insurance Advisory Committee at its last meeting held in February, 2007 recommended to the Authority that the obligatory cessions be reduced from existing 20 per cent to 15 per cent for the year and 10 per cent for the year The Authority accepted the recommendation and issued gazette notification giving the revised obligatory cessions for the next two years. Segment-wise retentions for the country as a whole for the year are at Statement 28. The Authority also decided that the Commission and Profit Commission terms for statutory cessions for the year may be mutually negotiated and agreed upon between the insurer and the Indian Re-insurer. iv. Monitoring of Investments of the insurers (a) Investments of the Insurance Sector The investments made by the insurers both life and non-life separately for public and private sector is given in the following table. TABLE 36 INVESTMENTS OF INSURERS (Rs.Crore) INSURER Life Non-Life Total Public Sector (20.61) (6.9) (19.61) Private Sector (94.68) (45.91) (88.75) Total (26.13) (11.70) (25.02) The investments of the LIC increased by per cent (in view of its large base) and, in the case of private insurers, the growth was per cent. Increase in investments by public sector non-life companies was 6.9 per cent and for private sector non-life insurers it was per cent. As on March 31, 2008, the total investments by the insurance industry have grown to Rs crore as against Rs crore in the previous year. While investments of the life insurers increased by per cent to Rs crore, the corresponding increase in the case of non-life insurers was by per cent to Rs crore. (b) Life Insurers The broad pattern of investments out of premium generated by traditional products during remained on the same pattern of investments in However, investments in Infrastructure and Social sector has declined from 13 per cent to 10.91per cent

57 ANNUAL REPORT TABLE 36 (I) TOTAL INVESTMENTS : INSTRUMENT-WISE (Rs.Crore) Investments from Traditional Products Amount Percentage Amount Percentage Amount Percentage to Total to Total to Total 1 Approved Securities incl. Central Govt. Securities 1a. Of which Central Govt. Securities Infrastructure and Social Sector Investment subject to Exposure norms including Other than approved Investments 3a. Of which other than approved Investments A Total (1+2+3) ULIP Funds 4 Approved Investments Other than approved Investments B Total (4+5) Grand Total (A+B) (C) FUNDWISE PATTERN OF INVESTMENTS : It may be observed that a significant shift has taken place in favour of investments of Unit Linked Funds since last year. This is further analysed in Table 37. TABLE 36 (II) INVESTMENTS OF LIFE INSURER: FUND WISE (Rs.Crore) INSURER LIFE FUND PENSION AND GROUP UNIT LINKED TOTAL OF ALL GENERAL ANNUITY EXCLUDING FUND FUNDS FUND GROUP PENSION & ANNUITY FUND LIC PRIVATE SECTOR TOTAL (77.06) (71.49) (6.13) (5.70) (5.71) (5.31) (11.1) (17.50) Note: 1) Figures are based on provisional Returns filed with IRDA. 2) Figure in brackets are percentages to the respective

58 ANNUAL REPORT (d) Growth of investments of Unit Linked and Traditional Business The percentage increase of ULIP funds on year over year basis (Table 37) of investment over the last 3 years vis-a-vis traditional funds indicates that the growth in investment pertaining to Unit Linked Business started from Till then the total investments were only out of premiums towards traditional, group and annuity businesses. TABLE 37 TOTAL INVESTMENTS : FUND-WISE (Rs.Crore) FUND TOTAL % Increase TOTAL % Increase TOTAL % Increase Life Pension & General Annuity Groups Traditional (A) Unit Linked Funds ULIP (B) TOTAL INVESTMENTS The cumulative balances of Unit Linked investments reported at Rs crore in increased to Rs crore in and further to of Rs crore by On an 42 incremental basis, while the growth of investments during the last 2 years shows a steady pattern in respect of investments pertaining to traditional products, there is a steep increase in respect of investments pertaining to Unit Linked business. NON-LIFE INSURERS Of the total investments by non-life insurers, Rs crore were held in Central Government and State Government securities, Rs.7660 crore in infrastructure and social sector and Rs crore in investments subject to exposure norms as on March 31, 2008 The size of the investments as on March 31, 2007 were Rs crore, Rs.6102 crore, Rs crore respectively. TABLE 38 INVESTMENTS OF NON-LIFE INSURER: FUND-WISE (Rs.Crore) PATTERN OF INVESTMENTS TOTAL % to Fund TOTAL % to Fund TOTAL % to Fund 1 Other approved Securities incl. Govt. Sec a. Of which Govt. Securities Housing and Fire Fighting Equipments Infrastructure and Social Sector Investment Subject to Exposure Norms (incl. OTAI) a. Other than approved Investments

59 ANNUAL REPORT TOTAL Note: AIC of India has not been included. Public sector non-life companies invested Rs crore in Central Government and State Government Securities (35.79 per cent of their total investments), Rs.5843 crore in infrastructure and social sector (12.37 per cent of their total investments) and Rs crore in investments subject to exposure norms (45.18 per cent of their total investments) as against Rs crore (37.59 per cent ), Rs.5051 crore (11.43 per cent) and Rs crore (43.74 per cent ) respectively in the previous year. Investments of the private insurers in the above sectors stood at Rs.3283 crore ( per cent), Rs.1816 crore (20.03 per cent) and Rs.3208 crore (35.39 per cent) as against Rs.2260 crore (36.39 per cent), Rs.1052 crore (16.93 per cent)and Rs.2349 crore (37.81 per cent) respectively as on March 31, V) Health Insurance Growth Trends Increasing awareness of health insurance, rising healthcare costs, and also, the recent detariffing of the general insurance industry (which has increased emphasis and efforts by insurance companies towards health insurance and other personal lines of business) have become key drivers for Health Insurance in the last few years. Already, health insurance has become the fastest growing segment in the non-life insurance industry in India in recent years, and has grown 60 per cent during with a premium of over Rs.5100 crore. It is also emerging as an increasingly significant line of business for life insurance companies, and many prominent life insurance companies now have health insurance products, the conspicuous ones among these having been launched in the last 6 months itself. During the last six years, the premium from health insurance products has grown from Rs. 675 crore in to Rs.5100 crore in When compared with , the health insurance premium has grown by 130 per cent in from a level of about Rs.2200 crore in The number of persons covered under health insurance is also steadily increasing over the years. Considering the vast potential for health insurance any increase in this segment looks to be small. In the absence of health protection, the financial impact of hospitalization can be very pronounced more so in the case of low income people. It is reported that as absence of health protections causes economic loss, it is one of the leading causes of impoverishment in the country. Many states have recently initiated large scale health insurance programmes in association with non-life insurers to protect their vulnerable groups from such health-related financial needs. Some prominent schemes are Rajiv Aarogyasri scheme in AP, and the centrally-sponsored Rashtriya Swasthya Bima Yojana (RSBY) being launched in many states across the country. Such schemes increased the number of people to have coverage under some form of health insurance in the country. IRDA Initiatives on Health Insurance IRDA has been taking many pro-active steps in its developmental role for health insurance. The Authority had set up a National Health Insurance Working group in 2003, which provided a platform for various stakeholders of the health insurance industry to work together and suggest solutions to relevant issues in the sector. Subsequently, realizing the importance of accurate and timely data for health insurance, a sub-group looked into the requirements for standardized data on Health Insurance, and devised standard data submission formats for collecting data electronically. This system was put in place and has now been functional for over 4 years as a health data repository at the Tarriff Advisory Committee in Mumbai, wherein considerable data on insured persons and claims have been collected and is analysed. Steps have also been initiated to further streamline the process of data collation and analysis. For , the repository received data on 16.3 million insured persons, 3.8 million policies and 1 million claims, and there have been continuous improvements in the quality of this data. In 2004, IRDA also appointed sub-committees to specifically 43 43

60 ANNUAL REPORT Box Item 3 HEALTH INSURANCE: INITIATIVES In October 2007, the Confederation of Indian Industry organized its first Health Insurance Summit in Mumbai, and the deliberations in the summit made it clear that there were several issues in the health insurance domain that required greater deliberation, efforts and initiatives by the industry bodies, regulator and the government. IRDA actively supported CII in the constitution of four working groups to go into further details of pertinent issues surrounding health insurance data, providers and payor standards and health insurance awareness and communication. These groups comprised of IRDA and CII representatives, insurers, providers, TPAs, actuaries, IT companies, international development agencies and other stakeholders in the health insurance eco-system, and after several months of deliberations, within the group and with other stakeholders outside these groups, presented their key recommendations in a conference in Mumbai held in May The Data Standards group was constituted with the objective of suggesting mechanisms for streamlining and development of health insurance data repository and mechanisms for information exchange among stakeholders. The group concluded that the existing data with IRDA is of sufficient quality and is amenable for extensive data analysis and helps in critical business intelligence which can strengthen and further the growth by providing a scientific rationale for most business decisions. The group suggested that data submitted to the repository should be regularly analyzed under the guidance of a group of experts. It also suggested that IRDA can make available the results of the detailed analysis in the public domain. The data collection system should be extended to cover all insurers (both life and general) selling health products. IRDA should maintain the data repository and ensure compliance of data submission by the insurers and TPAs as per the regulatory provisions. The group recommended that a mechanism may be evolved to facilitate submission of information by the hospitals and health providers to the repository, so that data on the uninsured population is also available which will strengthen the information base on morbidity. A common standard claims format could be introduced for submitting health insurance claims which will not only facilitate capturing of required information but also in quick settlement of claims. Standardized coding of diagnosis (using ICD-10 codes) and procedures (using ICD 9 PCS codes) must be strengthened. This will require continuous training of data entry operators, underwriters and claim settlement officers of insurance companies and TPAs. A simple drop-down ICD 10 coding tool to assist in training the staff of insurers / TPAs in easy assignment of diagnosis codes was developed by the group and has been hosted on the IRDA website. Insurers and TPA s should be required to demonstrate their IT capabilities for data compilation and submission. The group suggested that IRDA may mandate Health Insurance as a separate line of business by the insurance companies, so that Health Insurance gets a better focus and generates better quality data and facilitates scientific underwriting. Health insurance should be a focus point for IRDA. IRDA should strengthen the health department and consider a separate self regulatory organization like a Health Insurance Council. The group also suggested that a sample of records could be put on the IRDA website for analysts / researchers

61 ANNUAL REPORT The Provider Standards group, pursuing its objective of suggesting mechanisms to achieve standards and transparency in treatment and billing, suggested that the industry could adopt standard definitions to enable effective and unambiguous interaction amongst all stakeholders. Mechanisms such as certification, regulation, quality assurance programs, peer review, consumer education, accreditation systems and norms for categorization and grading of hospitals for insurance purposes are to be considered. It was suggested that a common prior authorization form be developed for use by all TPAs, obviating the need for providers to stock the stationary of each TPA. Standardized treatment guidelines (STGs) can assist in bringing about quality of care and the group supported development of clinical guidelines. It was felt that some short-term and long-term measures to enhance the use of ICD 10 need to be outlined. There is a need to create training infrastructure, modules and core trainers in ICD-10, the group recommended. The Payor Standards group pursued the objective of suggesting mechanisms to standardize the key processes and terminology which drive the policy wordings, underwriting and claims processes. The group recommended that to ensure that customers are not underwritten at claims stage, all health insurance business should be underwritten at policy inception in a manner that is consistent with the pricing strategy and the risk appetite of the insurance company. Each company would be required to specify an internal underwriting policy framework. This policy framework should articulate the overall risk philosophy of the company and should be approved by the Board of each insurance company. The underwriting policy would be captured in an underwriting manual, which should be updated for each new product launch - and should be included as part of the normal file and use process. To support the rollout of a best underwriting framework, a robust underwriting training framework should be developed. Each insurer should adopt a best practice claims management framework to create transparency in claims processing. Information on turn around times [TATs] should be made available to public and monitored by the IRDA. Each insurance company would be required to create a claims manual which would specify the claims philosophy of the company as well as the claims processing and management guidelines for each product. All commonly used health insurance terms must additionally be expressed in Common Business English as part of the policy kit sent to the customer. These are meant to be explanatory in nature only they do not change the legal position of the insurance company. Insurers should have the freedom to re-price the risk at a portfolio level, at the time of renewal. Re-pricing should be permitted for a class of policies and not at an individual policy level. The group also recommended additional focus on integration and interaction between payors and providers. Transparency to the customer about portability of benefits via a Portability Disclosure could be included as part of the policy terms and conditions. The Communication and Awareness group was set up with the objective of building a concerted effort towards consumer education and health insurance awareness. The group recommended that multiple awareness messages need to be designed based on the message recipient and the nature of the market. The key communication objectives should be to explain what health insurance is and how it works. The objective would be to explain the philosophy of risk pooling, to educate the consumer on how to choose the right product, to create a positive image of health insurance and its role in protecting against medical emergencies, to provide clarity on benefits of products/services and to explain the main terms and conditions and what health insurance covers or does not cover and to educate consumers about the process 45 45

62 ANNUAL REPORT of grievance redressal. The group also recommended constitution of a group which can launch and maintain a sustained campaign and could use channels like regional media, news media, in-program or in-film promotion and celebrity endorsement campaigns. During 2007, the Federation of Indian Chambers of Commerce and Industry (FICCI) also organized a one day workshop on Sustainability of Health Insurance. Chairman, IRDA, in his keynote address, suggested that Insurers and Providers should jointly take initiatives towards sustainability of health insurance, which led to the constitution of a FICCI subcommittee on Health Insurance, which is also actively supported by IRDA. The sub-committee is receiving support of insurers and providers alike, and is currently working towards evolving Standards of Care for common causes of hospitalization, which will contribute, in due course, to better pricing of hospital services and of health insurance. The sub-committee is also providing a platform for hospitals and insurance companies to undertake other joint initiatives towards sustainability of health insurance. The recommendations of these working groups and sub-groups are comprehensive and cover various areas of the health insurance domain. A phased implementation of specific recommendations, including the recommendations which help in popularizing health insurance, in providing health insurance at affordable prices and develop the health information system, will contribute towards an orderly growth of the health insurance eco-system, which is in the interests of the consumers and the industry as a whole

63 ANNUAL REPORT look into the areas of registration of stand alone health insurance companies and to suggest innovations in health insurance products. The recommendations of these subcommittees have triggered progress in both these areas. The industry has already witnessed the entry of two stand-alone health insurance companies, M/s Star Health and Allied Insurance Co Ltd and M/s Apollo DKV Insurance Co Ltd. Newer and innovative products are being designed and made available, to meet the varied requirements of the consumers. Hospital Daily Cash Benefit and Hospitalization/ Critical Illness benefit products have added variety to the indemnity products which have predominated the market so far. There are some earmarked products for Senior Citizens, for specific diseases like Diabetes and Cancer. For lower socio-economic groups, products providing outpatient coverage, and those covering pre-existing diseases are available none of which were not available until recently. This pace of innovations is increasing steadily. Other Committees in recent years which studied various aspects of Health Insurance include the Committee on Rural Health Insurance, and the Committee on Parliamentary Undertakings of the Parliament. In April 2007, IRDA appointed a Committee on Health Insurance for Senior Citizens to study and make recommendations regarding the concerns that Senior Citizens face in obtaining health insurance. The committee submitted its report in November 2007 and has made several recommendations, actions on some have to be taken by the Government and some are by the IRDA. Many of these recommendations were accepted by the Authority and have already been taken up for implementation. IRDA also worked in close tandem with industry chambers on areas related to health insurance. The 1 st CII Health Insurance Summit was held in Mumbai on 5 th October IRDA supported the formation of 4 working groups by the Confederation of Indian Industry, which deliberated on specific areas of health insurance, viz. Data Standards, Provider Standards, Payor Standards and Awareness of Health Insurance. These groups submitted their recommendations in April The FICCI workshop on Sustainability of Health Insurance was held in Delhi on 29 th November IRDA has also participated in a sub-committee of the Federation of Indian Chambers of Commerce and Industry which is deliberating over issues pertaining to sustainability of health insurance. The general insurance has taken industry initiatives in standardizing a uniform definition of Pre-Existing Diseases and its exclusion wording and has come into effect from June 1, It is expected that such standardization of terminology will help the insured by increasing clarity and minimizing ambiguity in policy wordings and help comparability of health insurance products across insurers. During , IRDA has also established a separate Health section in the Authority with specialists and is also planning to augment the existing resources. Third Party Administrators Third Party Administrators (Health Services) have grown both in number and in volume of business. During , two more companies have been granted licence to act as TPAs. One company Dawn Services Pvt. Ltd did not apply for the renewal of licence. Further, TPAs enlarged their network of operations and are engaging people who are trained in ICD-10 coding so as to facilitate analysis of health insurance data. Besides a number of hospitals in different parts of the country are being added to the TPA network for cashless settlement of claims. This welcome indicator reveals that health insurance policy holders can get cashless treatment in many hospitals across the country. The table in the next page highlights of infrastructure facilities of the TPAs. During year , the TPAs have received claims, 7.96 per cent more than claims received during The TPAs have settled per cent of the claims received within a period of one month. There is an improvement on outstanding claims as the outstanding claims as percentage of total claims has come down from 8.53 per cent in to 7.89 per cent in The table in the next page lives the time taken by the TPAs in settling the claims. vi) Business in the rural and social sector The Authority framed Regulations on the obligations of the insurers towards rural and social sectors. Such obligations 47 47

64 ANNUAL REPORT need to be fulfilled by the insurers on an annual basis. The regulations require insurers to underwrite business based on the year of commencement of their operations. For meeting these obligations the regulations further provide that if an insurance company commences operations in the second half of the financial year and is in operations for less than six months as at March 31, of the relevant financial year, (i) no rural or social sector obligations shall be applicable for the TABLE 39 TPA (INFRASTRUCTURE) Sl. Name of TPA Hospitals Added Number of Offices/ Manpower No. in the Network branches opened including Doctors/ Professionals Added 1 Medi Assist India Pvt. Ltd. 1, MD India Healthcare Services (P) Ltd Paramount Health Services Heritage Health TPA Pvt. Ltd Medicare TPA Services (I) Pvt. Ltd Family Health Plan - (2) (164) 7 Raksha TPA Pvt. Ltd TTK Healthcare Services Ltd East West Assist Pvt. Ltd Med Save Health Care Ltd Genins India Ltd Alankit Healthcare 1, Health India TPA Services Pvt. Ltd Good Health Plan Ltd. 2, Vipul Medcrop Private Ltd Park Mediclaim Consultants Pvt. Ltd Rothshield Healthcare (TPA) Services Ltd Total 12, ,061 TABLE 40 THIRD PARTY ADMINISTRATORS - CLAIMS DATA Claims Within one Within 1-3 Within 3-6 More than Claims Received month months months 6 months Outstanding (76.44) (19.96) (2.43) (0.56) (8.53) 48 48

65 ANNUAL REPORT (76.17) (15.24) (2.46) (0.64) (7.89) Note: Figure in brackets indicates ratio (in per cent) of claims settled to the total claims received. said period and (ii) the annual obligations as indicated in the Regulations shall be reckoned from the next financial year which shall be considered as the first year of operations for the purpose of compliance. In cases where an insurance company commences operations in the first half of the financial year, the applicable obligations for the first year shall be 50 per cent of the obligations as specified in these Regulations. Obligations of life insurers: (a) Rural Sector Obligations: All the eighteen life insurers including LIC have fulfilled their obligations towards the rural sector. The number of policies underwritten by them in the rural sector as a per cent of the total policies underwritten in the year was as per the obligations applicable to them. LIC policies in rural sector more than the prescribed 24 per cent for (b) Social Sector Obligations: All the eighteen life insurance companies fulfilled their social sector obligations during The number of lives covered by them in the social sector was above the stipulated obligations. The LIC, while complying with its social sector obligations covered a more number of lives than the prescribed lakh lives as obligations for Obligations of non-life insurers: (a) Rural Sector Obligations: Out of the twelve private sector non-life insurers except TATA-AIG and Iffco-Tokio all others met their rural sector obligations in The gross direct premium underwritten by them in the said sector, as a percentage of total premiums underwritten in , was above the prescribed stipulations. Out of four public sector insurers three complied with the rural sector obligations for and Oriental Insurance Co. Ltd did not fulfil the obligation. With respect to the public sector insurers their obligations are six per cent of the quantum of insurance business done by them in the accounting year (b) Social Sector Obligations: Among the private sector non-life insurers except HDFC Chubb all companies met their social sector obligations in The number of lives covered by them in the social sector was also higher than the regulatory stipulations. While two public sector insurers viz., United India and Oriental Insurance complied with the social sector obligations for , New India and National Insurance fell short of compliance towards the sector. With respect to the public sector insurers their obligations for the financial year are the average of the number of lives covered by the respective insurer in the Social Sector from the financial years to or 5.50 lakhs, whichever is higher. vii. Financial Reporting and Actuarial Standards I. Financial Reporting Additional measures taken by the Authority to improve transparency and disclosures in reporting in the financial statements: 1. As part of the review of the financial statements filed with the Authority on an annual basis and based on the analysis, clarifications are sought and/or attention is drawn to various non-compliances/ non-disclosures. While specific non-compliances/deviations are communicated to the respective insurers, some common deficiencies were observed in the compliance of various regulatory requirements connected to the preparation of financial statements. With a view to ensuring compliance and avoiding recurrence of the 49 49

66 ANNUAL REPORT shortcomings observed, the Authority decided to reiterate clarifications issued on earlier occasions through a comprehensive Circular for the guidance of the insurers. 2. Effective December, 2007, all insurers have been advised to file the quarterly financial statements with the IRDA. These statements include the Balance Sheet, Revenue A/c (Policyholders A/c) and the Profit & Loss A/c (Shareholders A/c). II (a) Appointed Actuary System One of the main areas which engage the attention of actuaries is the assessment of financial risks in the operation of the insurance companies so that the products sold by them do not contribute to financial risks. In this context they ensure that the solvency of the company is maintained at all points of time. The Authority introduced the system of Appointed Actuary (AA) in the year During , the Authority notified the Qualification of Actuary Regulations, defining an Actuary for the purpose of the Insurance act, The powers and duties of an Appointed Actuary are laid down by the Authority in the Regulations. In the case of a non-life insurer, the AA is required to certify the rates for in-house non-tariff products and Incurred But Not Reported (IBNR) Reserves which are indicated under Outstanding Claims in the financial statement. While analyzing the availability of solvency in the insurance companies, one of the methods followed to ensure consistency and acceptability to the liability estimates prepared by actuaries is peer review system. Review Committee The Authority decided to have a Review Committee to review the Statutory Report furnished to the Authority in respect of Actuarial Report and Abstract required under Section 13 of the Insurance Act, The Authority constituted a new Actuarial Review Committee for the year II (b) Actuarial Standards The Actuarial Society of India (ASI) issued the first Guidance Note (GN-I) on Appointed Actuaries and Life Insurance. ASI issued the GN-21 for the appointed actuaries of general insurers. viii) Crop Insurance At present, the National Agricultural Insurance Scheme (NAIS) covers about 17 per cent of all farmers and 20 per cent of the cropped area. The Government has been striving to increase the penetration by encouraging the States to bring more and more crops under crop insurance. The Government also directed the Banks to insure all eligible crop loans under NAIS. The Working Group set up in Planning Commission at the beginning of XI Plan period, proposed a target of 40 per cent of cropped area to be brought under crop insurance by A few proposals for bringing in improvements in NAIS are with the Government, which if accepted by the Government are expected to increase crop insurance penetration. Some proposals are: 1. Reduction of Insurance Unit to Gram Panchayat for major crops 2. Guaranteed Yield to be based on long period average 3. Coverage of pre-sowing and post-harvest risks 4. On-account payment of compensation during the season, using weather index, crop health index, etc. 5. Individual farm assessment of claims in case of localized risks like hailstorm, landslide etc. 6. Placing NAIS on actuarial regime, with up-front subsidy in premium by the Government 7. Increased and focused effort towards creating crop insurance education & awareness Use of Satellite Imagery in Crop Insurance: Realizing the potential of Remote Sensing Technology, Agriculture Insurance Company of India Limited (AIC), 50 50

67 ANNUAL REPORT conducted a few pilot studies on using satellite imagery for crop insurance applications. The applications include: (i) estimating cropped acreage under different crops; (ii) stress detection and crop health reporting; and (iii) generating yield estimates at insurance unit level for insured crops. Despite some problems associated with satellite imagery, it may be possible in near future to use satellite imagery to estimate crop yields at block / tehsil level, which on one hand, could enable settlement of crop insurance claims faster, and on the other, minimize human intervention in estimating the crop yields. Weather Insurance: The Government is piloting weather based crop insurance in a few States as a substitute for National Agricultural Insurance Scheme (NAIS) to evaluate the relative strengths and weaknesses of these models. Weather (Rainfall) based Crop Insurance was implemented on a pilot basis as a substitute for NAIS in Karnataka during Kharif 2007 season, and subsequently in Bihar, Chhattisgarh, Madhya Pradesh & Rajasthan during Rabi season. The pilot was extended to seven more states (Bihar, Jharkhand, Karnataka, Madhya Pradesh, Maharashtra, Orissa & Rajasthan) during Kharif 2008 season. Haryana & Punjab have also piloted weather insurance in one tehsil each during Kharif 2008 season. Tamilnadu is likely to implement the pilot in a few districts, as well. Good density of weather stations (at least one station per Block) and supply of weather data on near real-time basis is critical for weather insurance. At present, the IMD network is mostly limited to district headquarters and a majority of weather stations are manually operated, hampering the expansion of weather insurance. IMD, however, has recently decided to expand and automate the weather stations network, and accordingly, about 550 automatic weather stations and 1350 automatic rain gauges are expected to be installed in near future. This expansion and automation is expected to strengthen the efforts to help extending weather insurance. It is important to note that all States are not convinced about the effectiveness of weather insurance in comparison to practically an all-risk NAIS. There is a view that integrating weather index with NAIS may be a better alternative, instead of promoting weather insurance as a stand-alone insurance. The major shortcoming of NAIS happens to be delay in settling claims, and this can resolved by giving en early payout on the basis of weather index, with the final payout based on the yield index. In this way, the strengths of yield index and weather index based insurance can be successfully availed in providing effective crop insurance. ix) Micro-Insurance Life Insurance Sector The Micro-Insurance portfolio has made steady progress in the year. More life insurers have commenced their Micro-Insurance operations and many new products have been launched during the year under review. The distribution infrastructure has also been considerably strengthened and the new business has shown a decent growth, though the volumes are still small. TABLE 41 NEW BUSINESS UNDER MICRO-INSURANCE PORTFOLIO FOR (Premium in Rs lakh) Individual Group Insurer Policies Premium Schemes Lives covered Premium 51 51

68 ANNUAL REPORT Private Total LIC Industry Total Note: New business premium includes first year premium and single premium. A major percentage of micro-insurance business was procured under group portfolio. While the individual new business procured in the year was Rs crore under 9.38 lakh policies, the group business amounted to Rs crore under 1.22 crore lives. LIC contributed most of the business procured in this portfolio by garnering Rs crore of individual premium from 8.54 lakh lives and Rs crore of group premium under 1.14 crore lives. The number of micro insurance agents stands at 4584 as at the end of the financial year, out of which 4166 belong to LIC alone. Nine life insurers have so far launched 26 micro- TABLE 43 GROUP DEATH CLAIMS UNDER MICRO-INSURANCE PORTFOLIO (Benefit Amount in Rs. lakh) Total claims payable Claims paid Claims repudiated Claims pending at end of year No of Lives Benefit No of Lives Benefit No of Lives Benefit No of Lives Benefit Amount Amount Amount Amount Private Total (96.92) (97.04) (2.13) (1.92) (0.95) (1.04) LIC (99.99) (99.97) - - (0.01) (0.03) Industry Total (99.86) (99.91) (0.09) (0.04) (0.05) (0.05) Note: Figure in brackets show percentage of the respective total claims TABLE 44 INDIVIDUAL DEATH CLAIMS UNDER MICRO- INSURANCE PORTFOLIO (Benefit Amount in Rs. lakh) Total claims payable Claims paid Claims repudiated Claims pending at end of year No of Lives Benefit No of Lives Benefit No of Lives Benefit No of Lives Benefit Amount Amount Amount Amount Private Total (71.43) (70.78) (16.48) (17.60) (12.09) (11.62) LIC (97.17) (96.97) (0.31) (0.28) (2.52) (2.75) Industry Total (87.80) (88.38) (6.20) (5.96) (6.00) (5.66) Note: Figure in brackets show percentage of the respective total claims 52 52

69 ANNUAL REPORT insurance products of which 13 are individual products and the remaining 13 are group micro-products. TABLE 42 MICRO-INSURANCE AGENTS LIFE INSURERS Insurer As on Additions Deletions As on April 1, March 31, Private LIC Total With the notification of IRDA (Micro-insurance) Regulations 2005 by the Authority, there has been a steady growth in the design of products catering to the needs of the poor. The flexibilities provided in the Regulations allow the insurers for composite covers or package products. This has generated a trend with the insurance companies offering already approved general products as Micro-insurance products with the approval of the Authority if the sum assured for the product is within the range prescribed for Micro-insurance. x) Directions, orders and regulations issued by the Authority Insurance Agents During the year following regulation was notified on October 9, 2007: IRDA (Licensing of Insurance Agents) (Amendment) Regulations, Corporate Agents During the year following regulation was notified on October 9, 2007: IRDA (Licensing of Corporate Agents) (Amendment) Regulations, Further, on October 15, 2007 Circular No. 42/IRDA/Agency/ OCT/2007 was issued informing amount the reduction in Agent Training Hours to Insurers. The Authority had issued a Circular in December dated 18, 2007 stating the Guidelines on File and Use procedures in respect of general insurance products as detailed in the Authority s circular no. 021/IRDA/F&U/Sep-06 dated 28 th September 2006 will continue to apply and insurers shall continue to file the rates and terms that they wish to offer for various products including the products covered by the erstwhile tariffs. The CEOs assured the Authority that the high standards of underwriting and market conduct will be maintained by all insurers even after the price controls are removed. On the basis of these assurances, the Authority decided the following: 1. Except for Motor Third Party risks, for all other new insurances and renewals effective on or after January 1, 2008, insurers shall be free to quote rates of premium in accordance with the rate schedules and rating guidelines that have been filed with the Authority. 2. The premium rates for Motor Third Party risks will continue to be regulated by the Authority. 3. Risks qualifying as large risks under paragraph 19(v) of the circular no. 021/ IRDA/ F&U/ Sep-06 dated September 28, 2006 shall be insured at the rates, terms and conditions and basis of insurance exactly as the rates, terms etc. as developed from the reinsurers with no variation. 4. Insurers may file a fresh schedule of rates and rating guidelines with the Authority or may maintain the schedules and rating guidelines that have already been filed. 5. The requirements of the circular no. 021/IRDA/F&U/ Sep-06 dated September 2006 with regard to the filing of products and rates schedules and rating guides and manuals shall continue to apply as amended from time to time. 6. The Authority will accept the rate schedules and rating guides as filed by the insurer on the stipulation that these are in compliance with the underwriting policy as approved by the respective Boards of Directors and on the condition that they are designed so as to produce an operating ratio [incurred claims plus commission and expenses of management] not exceeding 100 per 53 53

70 ANNUAL REPORT cent on a gross underwriting basis. However, the Authority retains the right to query or require changes to any such rates schedules and rating guides, at its sole discretion. 7. Any revision in rates shall only be given effect to on renewal date of the insurance and insurers shall not be permitted to cancel existing insurances and replace them by new insurances at revised rates. The insured has, however, the right to require cancellation of his insurance in which case, premium at short period scale as applicable shall be chargeable. 8. The terms & conditions of cover and the wordings of policies, endorsements, warranties and clauses set out in the erstwhile tariffs shall continue to apply until fresh market wordings are examined and accepted by the Authority after considering the views of various stakeholders. xi) Right to Information Act, 2005 During the year the Authority nominated the following Officers as Public Information Officers under the Section 19 (1) of RTI Act, Name of the PIO Subject related to No. of Applications Appeals recd. by Appellate Authority Received Rejected Transferred 1. Mr Prabodh Chander Non-Life, Hindi, Health Insurance, Legal 2. Mr. K Subrahmanyam Actuarial, Intermediaries & Inspections 3. Mr. Kunnel Prem Life Insurance Mrs. Vedakumari Agents Training Institute, Corporate Agency and any other residuary matters Shri C R Muralidharan, Member (F&I) continues to be the Appellate Authority under Section 19 of the said Act

71 ANNUAL REPORT PART II REVIEW OF WORKING AND OPERATIONS i) Regulation of Insurance and reinsurance companies The Authority, in order to discharge the functions specified in Section 14 of the Insurance Regulatory and Development Authority (IRDA) Act, 1999, has specified the regulations given in the Annex-II. The regulatory framework broadly covers such aspects as the entry level requirements including those pertaining to minimum paid-up capital, fit and proper management, file and use requirements, filing of regular returns to the Authority. These are envisaged to help the Authority in carrying out its statutory functions to regulate, promote and ensure orderly growth of insurance and reinsurance business. In addition, Authority has also issued various directions, guidelines and circulars in order to carry out operations efficiently. Before issuing Regulations the clearance from the Advisory Council was sought and sent to the Government for notification in the Gazette and the Gazette notification is then sent to the Government for laying before the Parliament for approval. ii) Intermediaries associated with the insurance business Insurance Agents The individual agency numbers showed a net increase of over 26 per cent in the year From lakhs at the beginning of , the number of individual agents increased to lakhs by the end of the year. The private life insurers had recorded a phenomenal increase of 49 per cent as compared to a relatively lower 8 per cent increase registered by LIC. It is also for the first time after the opening up of the sector that the private insurers have more number of individual agents than LIC. While the number of agents at the end of the year in LIC s fold stands at lakhs, the number for all the private insurers put together is lakhs. TABLE 45 DETAILS OF INDIVIDUAL AGENTS OF LIFE INSURERS Insurer As on Additions Deletions As on April 1, March 31, Private LIC Total One major concern that emerges from the data is the high percentage of turnover of agents. In , while the total number of agents appointed is lakhs, the number of agents terminated is as high as 4.80 lakhs. The high turnover is a huge drain on the financials of the insurers who spend lot of money and time on prospecting, appointing and training of these agents. The policies procured by these agents are rendered orphan on their termination and thereafter result often into lapsation due to lack of servicing support. TABLE 46 DETAILS OF CORPORATE AGENTS OF LIFE INSURERS Insurer As on Additions Deletions As on April 1, March 31, Private LIC Total

72 ANNUAL REPORT The image of the profession of Agency too suffers a setback since the public in general and prospective agents in particular perceive it as lacking in stability, thus making it more difficult for insurers to find good agents. It is therefore in the interest of all the stakeholders to work on reducing the turnover of agents. While there were 2315 corporate agents at end March 2007, the number has increased to 2415 at end March Of this, 2070 were for the private insurers while the remaining belonged to LIC. Insurance Brokers During the year , 19 broking licenses were issued, of which 16 are direct broker licenses, one Composite broking license and two reinsurance licenses. Licenses for 35 brokers were renewed. The total number of licenses issued as on September 10, 2008 are 281, of which 242 are direct brokers, 33 are composite brokers and 6 are reinsurance brokers and the state-wise distribution of licenses is at Annex VIII. The number of licenses valid as on is 265. Deviations from the provisions of Regulation 25 by not maintaining the books of account on accrual basis and keeping the statements, documents, etc at its Head office. Non compliance with Regulation 26(1) as to the submission of half yearly accounts by not adhering to the stipulated time limit. Not having proper internal control systems as per Regulation 27. Inter group and related party transactions which were not disclosed in accordance with the Accounting Standard- 18 and payments were found in excess of what has been approved by the Board. Diversion of funds within the group companies which attract Provisions of Regulation 34(2) of IRDA (Insurance Brokers) Regulations, Payment of premium on behalf of the Client which indicates inducing clients by offering credit facility. Inspections were conducted on 17 broking companies during One license was cancelled and five voluntary surrender of license were accepted. During inspection, the following observations were made in some case and appropriate actions initiated: Violation of the Regulation 9(3) as to the requirements for soliciting and procuring the insurance business. The geographical spread has increased and broking companies have sought licenses in smaller towns like Bharuch, Surat, Baroda, Rajkot,Thrissur,Indore, Ahmedgarh, Nanded, Udaipur, Varanasi etc., In addition, many have expanded their branch networks, thereby making services available in large number of B and C category towns. Channel-wise New business Performance Breach of Regulation 21 as to the code of conduct on matters specified under clause 3(b) of Schedule III of the IRDA (Insurance Brokers) Regulations, 2002 by utilizing services of consultants, who are not on the employees roll and paying consultation fee to them for various services which include risk assessment, lead generation, technical know-how, staff training etc Not fully complying with the provisions of Regulation 24 as to maintaining continuity of Professional indemnity policy throughout the validity of the license and limit of indemnity in the ratio of 1:1. The year witnessed a further shift away from the individual agency channel. The new business premium procured through individual agents in was per cent as against per cent in the year previous to that. The share of new business conceded by the individual agents was picked up mainly by the corporate agents and direct selling

73 ANNUAL REPORT TABLE 47 NEW BUSINESS PREMIUM (INDIVIDUAL AND GROUP) OF LIFE INSURERS FOR CHANNEL WISE (Figures In per cent) Life Insurer Individual Corporate Agents Brokers Direct Total New Referrals Agents Selling Business Banks Others* (Individual & Group) Private Total LIC # Industry Total *Any entity other than banks but licensed as a corporate agent. # Does not include its overseas new business premium. Note: 1) New business premium includes first year premium and single premium. 2) The leads obtained through referral arrangements have been included in the respective channels. The share of corporate agents which was 8.42 per cent in has increased to per cent in Within the corporate agency channel, while the banks share grew from 5.46 per cent in to 7.97 per cent in , the others grew from 2.96 per cent to 4.36 per cent in the corresponding years. The share of corporate agents in the new business premium procured by the private life insurers was significant at per cent in as compared to per cent in , while for LIC the share fell to 1.59 per cent in from 2.14 per cent in the previous year

74 ANNUAL REPORT TABLE 48 INDIVIDUAL NEW BUSINESS PREMIUM OF LIFE INSURERS FOR CHANNEL WISE (Figures In per cent) Life Insurer Individual Corporate Brokers Direct Total Referrals Agents Agents Selling Banks Others* Private Total LIC # Industry Total *Any entity other than banks but licensed as a corporate agent. # Does not include its overseas new business premium. Note: 1) New business premium includes first year premium and single premium. 2) The leads obtained through referral arrangements have been included in the respective channels. Direct selling too witnessed a large increase in the share of total business, from 0.38 per cent in to 3.33 per cent in The share of direct selling among private life insurers went up to 8.78 per cent in from 1.39 per cent in the previous year, while LIC did not procure any individual new business through this channel in both the years. Group Business: Direct selling continues to be the dominant channel of distribution for group business. The percentage of group business procured through direct selling continues to be around 88 per cent even in

75 ANNUAL REPORT TABLE 49 GROUP NEW BUSINESS PREMIUM OF LIFE INSURERS FOR CHANNEL WISE (Figures In per cent) Life Insurer Individual Corporate Brokers Direct Total Referrals Agents Agents Selling Banks Others* Private Total LIC # Industry Total *Any entity other than banks but licensed as a corporate agent. # Does not include its overseas new business premium. Note: 1) New business premium includes first year premium and single premium. 2) The leads obtained through referral arrangements have been included in the respective channels. However. LIC, which used to handle entire group insurance business directly by itself, has changed its strategy. For the year , LIC has done per cent of the group insurance business through its traditional individual agency channel, while another 0.66 per cent of the group insurance business has come from other channels such as corporate agents and brokers. As far as private insurers are concerned, there was not much change. During the year , these companies carried out around 84 per cent of the group insurance business through direct selling and another per cent of the business through bancassurance mode. (It was 85 per cent and per cent, respectively, for the year ). Surveyors and Loss Assessors The Authority issues licenses to surveyors and loss assessors in terms of Section 64UM of the Insurance Act, An individual, a company or a firm wanting to act as surveyors and loss assessors has to make an application to the Authority 59 59

76 ANNUAL REPORT in the prescribed format for the purpose. The Insurance Surveyors and Loss Assessors (Licensing, Professional Requirements and Code of Conduct) Regulations, 2000 lay down the process of application for procurement of licence. During the last financial year, the Authority has enrolled 773 applicants as Trainee surveyors and issued 286 fresh licenses to trainee surveyors on completion of practical training and passing of the requisite examinations. The Authority also received 1907 requests for renewal of licences during the last financial year and 1651 licenses have been renewed and issued on fulfilment of all the Regulatory requirements. Further, for the first half of , 1178 requests for renewals have been received and 1201 requests have been processed and issued renewed licenses. iii) Litigations, appeals and court pronouncements The legal department is involved in the policy formulation in respect of the Insurance Laws (Amendment) Bill) as also the vetting and drafting of the IRDA Regulations and its amendments and Circulars/Guidelines/Memorandum issued by IRDA Total no. of cases filed before the Supreme Court of India, the various High Courts, Consumer Courts, Civil Courts and MACT during the period April, 2007 to March, 2008 are 78. The break-up for the same is provided below: No. of cases filed in the Supreme Court 3 No. of cases filed in various High Courts 53 No. of Writ Appeals filed in various High 1 Courts No. of Review Petitions filed in various 1 High Courts No. of Consumer Cases filed 17 No. of Civil Cases filed 3 No. of MACT cases filed No. of Writ Petitions disposed of by Without With various High Courts directions directions to IRDA to IRDA No. of Writ Appeals disposed of 21 9 No. of Consumer Cases disposed of 3 1 No. of Civil / MACT cases disposed of - - The nature of the litigations are Challenge to the vires of the IRDA Act/Insurance Act and the Regulations made there under as also the memorandum/circulars issued by IRDA Enforcement actions viz. issuance of directions, levy of monetary penalties as also suspension/cancellation of licenses and certificate of registration granted to brokers, intermediaries, insurers etc Non- enforcement actions where the focus of issues inter alia involves :- (i) Policyholder related issues - Repudiation of claims arising from policies - Assignment and Transfer - Nomination - Non redressal of grievances (ii) Surveyor s categorization (iii) Enhancement of motor insurance premium rates for third party liability (iv) Non payment of agency commission (v) Termination of agency Regulatory help: The department helps the operational departments on issues relating to initiation of enforcement and non-enforcement related actions policies of the regulator and interpretation of the Insurance laws. to show cause notices to be issued by the operational departments parliamentary references. It also provides legal advice on matters arising in references filed under the RTI Act. iv) International Cooperation in Insurance-International Association of Insurance Supervisors (IAIS) The International Association of Insurance Supervisors (IAIS) was established in 1994 to promote cooperation among insurance supervisors and other financial sector supervisors. Over the years, the membership has grown and insurance supervisors from over 180 jurisdictions became members and over 100 organisations and individuals representing professional 60 60

77 ANNUAL REPORT associations, insurance and reinsurance companies, international financial institutions, consultants and other professionals became observers. This involvement reflects the increasing global nature of insurance markets and the need for consistent supervisory standards and practices. In addition, it recognizes the important contribution that strong supervisory regimes leads to financial stability. The IAIS provides an effective forum for standard-setting and implementation activities by providing opportunities to both practitioners and policy makers to share their expertise, experience and understanding. The IAIS s activities are undertaken with active guidance of its Executive Committee, which comprises of 15 voting members elected from different regions of the globe and the Chair of the Budget Committee who is an ex-officio non-voting member. This is complemented by the Technical Committee, the Implementation Committee and the Budget Committee, supported by their working parties. The day-to-day business and affairs of the IAIS are taken care of by its Secretariat, located at the Bank for International Settlements in Basel, Switzerland. The IAIS develops principles, standards and guidance for effective insurance supervisory regimes. In doing so it helps to establish and maintain fair and efficient insurance markets for the benefit and protection of policyholders. The IAIS also prepares issue papers that provide background on specific areas of interest to insurance supervisors. The IAIS collaborates closely with other international financial institutions and international associations of supervisors or regulators and assists in shaping financial systems globally. In particular the IAIS is one of the constituting bodies of the Joint Forum and participates in all of its working groups. It is also represented on the Financial Stability Forum. The IAIS provides input to the International Accounting Standards Board (IASB) for its work on the international financial reporting standards most relevant to insurers, and is a member of the IASB s Standards Advisory Council as well as an official observer of its Insurance Working Group and Financial Instruments Working Group. It also has observer status on the Financial Action Task Force, which combats money laundering and terrorist financing. The Authority is represented by its Chairman on its Executive Committee and by Members on the various Committees of IAIS looking into insurance contracts, accounting aspects, insurance laws, reinsurance, financial conglomerates, solvency, frauds, etc. Joint Forum Working Group on Conglomerate Principles The Joint Forum, which was formed in the early 1990s comprising of the three international bodies on regulation of financial sector, viz., BIS, IAIS and IOSCO, has been entrusted with the task of evolving policy papers on conglomerate supervision with particular reference, to capital requirements, risk management, fit and proper criteria, information sharing with supervisors, intra group transactions and exposures etc. Initially, this was meant for the use of G7 and European Union countries. The Joint Forum recently constituted a Working Group with a mandate to take stock of the implementation of the principles laid down in the papers of the Joint Forum by its member countries and by other jurisdictions. The Forum is keen to understand the approach of various jurisdictions across the globe on conglomerate supervision. There is also a felt need to compile comprehensive information on the actual policies in various countries on conglomerate supervision and cross border supervision issues for future work. In order to meet the objectives of the Forum, the Working Group has been constituted with the existing member countries plus three non-member jurisdictions, one each from Asia, Africa and Latin America to understand the approach in the adoption of the underlying ideas and principles of Joint Forum on conglomerates by various countries in the world. The Indian Sub-Continent is represented by the Member (F&I) of the Authority on the Joint Forum Working Group on Conglomerate Principles at Basel, Switzerland. The Joint Forum as part of its mandate has drafted a report on implementation of the Joint Forum Principles on the Supervision of Financial Conglomerates. The objective of the report is to examine the extent to which supervisors across the banking, securities and insurance sectors have implemented the 1999 Joint Forum principles on the supervision of financial conglomerates. The report also identifies particular challenges in the implementation of these 61 61

78 ANNUAL REPORT principles, including regulatory responses used to address those challenges as well as particular principles that have been implemented less widely. The draft is under consultation. v) Public Grievances The Grievance Cell of IRDA receives complaints from policyholders, insurance intermediaries and from other sources against different Life Insurance companies. On receipt of the complaints the cell functions in two ways: The Grievance cell plays a facilitative role by registering the complaint and tracking down the same with the insurer for its early resolution. In case of dispute on any issue between the insurer and the complainant, the cell informs the complainant to take up the matter with quasi judiciary (insurance ombudsman / consumer forums) or judiciary bodies, since IRDA does not have the power of adjudication. Life Insurers (a) facilitates an early resolution of the complaint by the insurer through direct interaction with the policyholder and (b) analyses the complaints based on: (i) duration of disposal (ii) functional area The insurer wise analysis for duration of complaints evaluates the effectiveness and simplicity of the process adopted by the insurer in handling the complaints. It also evaluates how insurer is complying with the provisions of Regulation 5 of IRDA (Policyholders Interests) Regulations, The Regulation requires speedy and efficient handling of the complaints by the insurer. The analysis of the complaints based on functional area indicates: (a) (b) The weakness in market practices The inadequacies of the insurance companies - which may require regulatory intervention for necessary corrective action. Grievances cell of the Authority receives grievances from the policyholders against the insurance companies. Such complaints are forwarded to the companies for resolution at their end. When the grievances are resolved by the companies they are expected to inform the grievances cell of the Authority about its resolution or otherwise. As on March 31, 2007, there were 299 complaints pending with the Authority for want of resolution by life insurance companies. During the year , the Authority has received 2057 complaints, out of which, 651 related to LIC and 1406 to private sector insurers. 57 per cent of the total complaints received against life insurers by the IRDA during the year were resolved by the former. While the private life insurers resolved 78 per cent of the complaints registered, LIC had resolved only 19 per cent of the complaints filed against them with the Authority. As on March 31, 2008, 1017 complaints were pending with the insurance companies for resolution, out of which 332 belonged to private sector and 685 pertained to LIC. TABLE 50 OUTSTANDING GRIEVANCES LIFE INSURERS Insurer Outstanding Grievances Total No of Resolved Outstanding as on Reported complaints as during the as on during on * LIC (19.22) 685 Private (77.98) 332 Total (56.83) 1017 Note: * includes those resolved from outstanding as on During the year , IRDA received 651 complaints against LIC and 1406 complaints against all the private life insurers put together. Out of those, LIC could resolve only 80 complaints (12 per cent) while the private life insurers could resolve 1100 complaints (78 per cent)

79 ANNUAL REPORT TABLE 51 GRIEVANCES DURING LIFE INSURERS Insurer Reported Resolved Outstanding during during during LIC (12.29) 571 Private (78.24) 306 Total (57.37) 877 Note: Figure in brackets indicates the percentage of grievances resolved during and do not include resolution out of number outstanding as on A striking difference could be observed in the resolution of grievances by LIC and private insurers. While LIC had resolved only 12 per cent of the grievances reported in , the private insurers resolved per cent in the same year. This shows the quickness in the settlement by the private insurers. An analysis of complaints lodged with the Life Insurance Grievance Cell of IRDA has revealed the following as the major causes: Non-receipt of policy bond (18 per cent), Adjustment of premium (18 per cent), Wrong Plan & Term Allotted (11 per cent), and Non-payment of claims (8 per cent). These four causes contributed 55 per cent of total complaints received. Non-Life Insurers As on March , there were 623 complaints pending with the general insurance companies for resolution. During , 2229 complaints were received of which 1339 pertained to public sector companies and the remaining 890 were against private sector companies. Of the total grievances of 2852, 69 per cent of the grievances were resolved in the current year. While public sector companies resolved 63 per cent of the complaints, private sector insurers have resolved 81 per cent. As on March 31, 2008, 876 complaints were pending for resolution with the insurers; of which 682 are with public sector companies and the remaining 194 with the private sector. Of the total pending grievances per cent are policy related issues, per cent to non-settlement / delay in settlement of claims, per cent to repudiation / partial settlement of claim and the remaining for other reasons

80 ANNUAL REPORT TABLE 52 STATUS OF GRIEVANCES NON- LIFE INSURERS Insurer Outstanding Grievances Total No of Resolved Outstanding Break-up of outstanding as on Reported complaints during as on grievances according during as on the to nature (I) (II) (III) (IV) Public (63.25) Private (80.52) Total (69.28) (38.13) (39.50)(18.84) (3.54) Note: Figure in brackets are percentages to the respective totals. (i) Policy related issues (ii) Non settlement / Delay in settlement of claim (iii) Repudiation / partial settlement of claim (iv) Other Reasons IRDA registered 1183 complaints during the first half of the current financial year Of these 574 were towards public sector non-life insurance companies and the remaining 609 were towards private sector companies. Public sector companies resolved 541 complaints and private insurers resolved 596 complaints. As on September 30, 2008, 922 complaints are pending with the insurers. TABLE 52(I) STATUS OF GRIEVANCES NON LIFE INSURERS (HALF YEAR ENDED SEPTEMBER, 2008) Insurer Outstanding Grievances Total No of Resolved Outstanding as on Reported complaints during as on during Apr-08 as on Apr to Sep-08 to Sep-08 Public (43.07) 715 Private (74.22) 207 Total (55.22) 922 Note: Figure in brackets are percentages to the respective totals

81 ANNUAL REPORT vi) Insurance Associations and Insurance Councils Life Insurance Council Life Insurance Council (Council) is a body set up under section 64 C of the Insurance Act All registered life insurers are members and are represented by CEOs. There are two nominees from the IRDA, one of whom is the Chairman of the Council. The Secretary General functions as the chief executive of the Council. Sri S.B.Mathur has taken over as Secretary General after Sri S.V.Mony demitted office in May During the Financial Year , the Council met 4 times. The Council has set up several standing sub-committees and also working groups to discuss emerging issues from time to time. The committee-based approach ensures wider participation in providing valuable contribution. Brief outline of work in A working group was formed under the aegis of the Council to design the Indian embedded value principles. This group document on Indian embedded value principles had received recognition from European CFO Forum. The Sub-committee of CFOs, met five times during the year and deliberated including on various issues taxation in general, Service Tax and proposed accounting standards AS 30 /AS 31. This forum had interacted with actuaries and other experts on various issues. Sub-Committee on Intermediary Education met once to review the after effects of reduction in training hours in mandatory agency training, from 100 hrs. to 50 hrs. Sub-committee on Creating Life Insurance Awareness appointed a PR agency to ensure increased activities of awareness related programmes. With the help of the PR agency, sub-committee planned and helped the Council to hold First CEO s Round Table Conference with Media in Sep This proved to be a successful event in creating awareness among masses. The Council s website covered business statistics, latest insurance news and other information and has been upgraded in design and linked with the websites of IRDA and life insurers. A feedback/query/grievance forwarding mechanism was modified. Declined Lives Database maintained by TAC has been modified and made operational with the approval of IRDA. A working group was formed last year to set up Mortality and Morbidity Investigation Centre in association with the Institute of Actuaries of India (IAOI). This group formally met four times and the MOU was signed between the Life Insurance Council and IAOI on November 22, The Institute is being set up at Hyderabad. Considering the probability of misuse in selling policies under employer employee category, the Council issued fresh guidelines restricting sale of such policies under certain conditions. Council has been actively involved in meetings with and conferences organised by CII, FICCI, Bombay Chambers, IMC, NIA etc. General Insurance Council The Executive Committee of the Council comprises, apart from the nominees of IRDA [viz. Member (Non-Life) as Chairman and Executive Director (Non-Life) and the Secretary General of the Council, the Chief Executive Officers of all the Non-life insurance companies licensed by IRDA. The Executive Committee of the Council held 12 meetings during In addition, the Council had organized meetings of Chief Underwriters, Heads of Health Insurance Departments, CFOs, etc. from time to time. The Council took several initiatives in pursuing its mission of expanding and deepening non-life insurance penetration in India and continued its endeavour to promote a responsible, responsive and disciplined pro-consumer service regime imbibing best global practices through a self-regulatory mechanism. The Council focused on issues relating to a) promoting non-life insurance market b) promote consumer education and awareness of nonlife insurance products c) development of intermediaries i.e. Agents and Brokers 65 65

82 ANNUAL REPORT Further, the council put forward the industry s view to the Government, IRDA, and other policy makers on problems confronting the industry as also to promote increased cohesion and cooperation between them. The Council also deliberated on ensuing level playing field between life and non-life insurers in Health portfolio and putting in places best global practices in the management of Health portfolio. On data matters, Council helped in building up an integrated data base for dissemination of information to serve specific operational needs identified by the industry, address the issue of fraud against insurance companies and to identify areas of growth and develop solutions to common challenges faced by the insurance companies. The Council contributed in effective and efficient management of motor T.P. Insurance Pool, management of segment wise common industry initiatives to address specific issues related to each segment of business and promote compliance with laws and regulations. The Council has pursued the path of total consensus among the insurers on all industry issues and all decisions / resolutions / recommendations made have been unanimous. The Council presented (1) suggestions on Motor Vehicle Amendment Bill 2007 to Rajya Sabha Parliamentary Standing Committee and the Ministry of Shipping, Road Transport & Highways, Govt. of India. (2) to the Ministry of Shipping, Road Transport and Highways on Draft Carriage by Road Rules (3) to Chairman of the Supreme Court Legal Aid Services and Hon ble Judge of Supreme Court of India for expeditious disposal of Motor T.P. Claim cases. (4) to Ministry of Shipping, Road Transport and Highways to tackle issues related to enforcement of mandatory provisions of motor vehicles act as regards insurance of motor vehicles. (5) to the Ministry of Shipping, Road Transport and Highways for creating regulations to make installation of anti theft devices mandatory in case of all new vehicles. (6) Filing of Writ petition in the Supreme Court of India against misuse of provisions of Superdari under Criminal Procedure Court by police to hold vehicles recovered by them for unduly long period of time. (7) Defended of member companies in the matters of writ petitions filed by Truckers and Bus Operators Associations in various High Courts viz. High Courts at Ernakulam, Chennai, Madurai, Bangalore, Hyderabad, Kolkata, Bhubaneshwar, Guwahati and Allahabad, against the Detariffing and hike in Motor T.P. premium. (8) Participated in seminars, workshop and committees formed by FICCI, CII and other industry association in matters related to the development of Health insurance. vii) Functioning of Ombudsmen The information on the complaints handled by the Ombudsmen during is given in Table 52. During , complaints were lodged with the Ombudsmen against the insurers both life and non-life. Of these, 5565 were against life insurers and remaining 5300 were against the non-life insurers. As on April 1, 2007, there were 1947 complaints pending with the Ombudsmen for disposal. Of these, 603 complaints were pending against the life insurers and the remaining were against the non-life insurers. Taking together (those pending for disposal as on April 1, 2007 and received during ) the total numbers of complaints with the Ombudsmen were at the end of March Of these 6168 were against life insurers and 6644 were against non-life insurers. Of the total complaints (12812), the Ombudsmen have disposed of complaints during Of the disposed complaints, 5778 were in the case of life insurers and 5615 were against the non-life insurers. As such, complaints outstanding with the Ombudsmen for disposal as on April 1, 2008 were 1419; of which 390 were in the case of life insurers and 1344 were against non-life insurers. The disposal rates of complaints against LIC and private life insurers were per cent and per cent respectively. In the case of non-life, there were 5441 complaints relating to the public insurers of which 4603 were disposed during the year (disposal rate of per cent). Of the 1203 complaints against private insurers 1012 were disposed off during the year (disposal rate of 84.12). Around 58 per cent of the complaints in the case of life and 42 per cent in the case of non-life were treated as not entertainable by the Ombudsmen. Of the total complaints, the Ombudsmen have given awards for 2664 and dismissed 1156 cases. The Ombudsmen recommended to the companies 352 cases for settlement at their end

83 ANNUAL REPORT TABLE 53 DISPOSAL OF COMPLAINTS BY OMBUDSMAN No. of complaints disposed off by way of Partic- No. of From ular Compl Total Dispo- Recom- Awards Withdr- Non- Dismi- Not Complaaints to sed menda- awal/ Acce- ssal Enter- ints as on tion Settle- ptance taina- Outstan ment ble ding Life Public Private Total *(93.68 ) (2.13 ) (16.74 ) (12.50 ) (1.97 ) (8.32 ) (58.34 ) (6.75 ) Non-Life Public Private Total *(84.51) (4.08) (30.22) (10.63) (1.51) (12.02) (41.53) (18.33) Combined *(88.92) (3.09) (23.38) (11.58) (1.75) (10.15) (50.06) (12.46) Note: AIC,ECGC are included in the public sector * represents percentages to the respective complaints disposed. viii) Committees Committee on Distribution Channels The Authority vide its order dated September 21, 2007 constituted a committee to study the manner in which distribution channels have been functioning, their efficacy, their cost effectiveness, their weaknesses and recommend changes for making them effective, professional and accountable and serve the interests of the insured through effective services. The Committee was headed by Sri NM Govardhan, former Chairman, LIC of India and had representation from both life and non life insurance companies as members. The Committee was known as the Committee on Distribution Channels. The Committee submitted its report to the Authority on April 17, 2008 and the report was put up on the IRDA website on May 13, The recommendations of the committee are being examined for further action by the Authority. Standing Committee of Accounting Issues The Authority, soon after its inception in 2000, had drawn up the Regulations on the manner of presentation of final accounts of insurers and also issues connected thereto namely IRDA (Preparation of Financial Statements and Auditors Report of Insurance Companies) Regulations, The Regulations were modified and replaced in While the regulatory framework has facilitated putting in place the framework for reporting on financial matters to the Authority, with various developments (both domestic and international) on accounting in financial sector in general and insurance industry in particular, there is a need for examining the various emerging issues on an ongoing and proactive basis. With a view to addressing these issues and the various emerging challenges, the Authority has constituted a Standing Committee on Accounting Issues (SCAI) to deliberate on issues relating to finance, accounting and 67 67

84 ANNUAL REPORT taxation aspects of insurance and other incidental matters thereto. The Committee is headed by Member (F&I) of the Authority, with Member (Actuary) as the permanent Invitee. The Committee comprises of representatives from the insurance industry, the practitioners from the profession of chartered accountants and from the ICAI (placed at Annexure). The Committee also has the option to have special invitees at its meeting based on the issues under deliberation. The constitution of the Committee has been kept fairly broad based. The intention is to utilize the expertise inside and outside the insurance sector on specific issues which would be placed before the Committee and to make appropriate recommendations for the consideration of the Authority. The views of the Committee would be recommendatory in nature and the Authority reserves the right to take appropriate decisions based on the same. (ix) Review of advisory functions performed by the Authority. The Authority constituted a Committee chaired by former LIC Chairman, Shri N.M. Goverdhan to examine the efficacy of various intermediaries, their cost effectiveness, and their weaknesses and make recommendations on the proposed changes required to make them effective professionals and to facilitate provision of better services to customers. The Committee has recommended various changes to be incorporated / brought about in existing distribution channels concerning Corporate Agents, Individual Agents, Referrals, Bancassurance etc. with proposed amendments to respective Act and Regulations. These, inter alia include licencing and structure of corporate agents, recruitment of agents, commissions structures, referral arrangements, direct tele-marketing measures to improve service to policyholders and enlargement of the scope for entry of more institutions under the agency structure. The Committee has also suggested review of the restrictions on commissions and brokerages imposed by sections 40(2) and 42E as also on the commissions which forms part of management expenses, parity on product design on accident and health products, issuance of multi-year policies, settingup of extension counters/ representative offices across the country. The recommendations are under discussion in order to decide on the acceptance and initiate steps for the implementation

85 ANNUAL REPORT PART III STATUTORY FUNCTIONS OF THE AUTHORITY a) Issue to the applicant a certificate of registration, renew, modify, withdraw, suspend or cancel such registration. During , the Authority granted certificate of registration to Apollo DKV Insurance Company Limited to undertake only health insurance business. It also granted certificates of registrations to Future Generali India Insurance Company Limited to underwrite general insurance business; Future Generali India Life Insurance Company Limited to underwrite life insurance business; Universal Sompo General Insurance Company Limited for general insurance and to IDBI Fortis Life Insurance Company Limited for life insurance. Beginning from 1 st April, 2008 till 31 st August, 2008, the Authority issued certificate of registrations to Shriram General Insurance Company Limited to underwrite general insurance; Canara HSBC Oriental bank of Commerce Life Insurance for life insurance; Aegon Religare Life Insurance Company Limited to undertake life insurance business and DLF Pramerica Life Insurance Company Limited to underwrite life insurance. With the registration of these companies, the total number of life insurers registered with the Authority has gone up to 21 and the total number of general insurers registered with the Authority has gone up to 20. The Certificate of Registration issued to all the existing life and non-life insurance companies have been renewed in terms of Section 3A of the Insurance Act, Statement showing the insurance companies whom R-3 was issued from to Sl. No. Name of the Insurance Company Registration No. Date of Issue of Registration Certificate 1. Apollo DKV Insurance Co. Ltd Future Generali India Insurance Co. Ltd Future Generali India Life Insurance Co. Ltd Universal Sompo General Insurance Co. Ltd IDBI Fortis Life Insurance Co. Ltd Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd Shriram General Insurance Co. Ltd Aegon Religare Life Insurance Co. Ltd Bharti Axa General Insurance Co. Ltd DLF Pramercia Life Insurance Co. Ltd Non-Life Department has acted as nodal department for levy of penalty from 1 st April, 07 to 30 th Sept. 08 for the following insurers for the reasons mentioned against their names: 69 69

86 ANNUAL REPORT S. No.Name of the Insurance Company Amount of Penalty Brief particular of the violation committed 1. Bajaj Allianz Life Insurance Co. Ltd. Rs. 5,00,000/- Penalty for violation of Section Sec 64Vc of the Insurance Act, New India Assurance Co. Ltd. Rs. 5,00,000/- Penalty charged under Section 105B for violation of Section 32B of the Insurance Act, Shriram Life Insurance Co. Ltd. Rs. 5,00,000/- Penalty charged under section 105B for violation of Section 32B of the Insurance Act, ICICI Lombard General Insurance Co. Ltd. Rs. 5,00,000/- In response to Authority s order ref. no. 15/ INSP/ ICICI/ OnSITE INSPECTION/ dated ICICI Lombard General Insurance Co. Ltd. Rs. 5,00,000/- Penalty charged under section 105B for violation of IRDA s regulations and guidelines relating to reinsurance of risks pertaining to Indian Oil Corporation Ltd 6 ICICI Lombard General Insurance Co. Ltd. Rs. 5,00,000/- Penalty charged under section 105B for violation of IRDA s File & Use guidelines in case of Pravsai Bhartiya Bima Yojana 7 Max NewYork Life Insurance Co. Ltd. Rs. 5,00,000/- Penalty charged under section 102(b) for violating directions issued by the Authority in respect of ULIP 8 Shriram Life Insurance Co. Ltd. Rs 1,85,150/- For late submission of the renewal of registration application. b) Protection of the interests of policyholders in matters concerning assigning of policy, nomination by policyholders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance. IRDA s main mission is to protect the interests of policyholders. Consistent with this, the Authority has set up grievance cells separately for life and non-life insurance business. There is also a separate channel set up to deal with complaints of senior citizens in respect of the premium hike in health insurance policies in the recent past. The Authority, through Regulations, mandated insurers to put in place effective mechanism for grievance redressal. Apart from receiving specific complaints from policyholders and taking them up with insurers for resolution, the Authority adopts a proactive approach in identifying the underlying issues and conducting focused inspections as deemed necessary. The Authority also ensures that policyholders should be aware about the existence of grievance redressal channels and advised the insurers to incorporate such details in the policy document itself. In this connection, the Authority notified a Regulation of IRDA ( Protection of Policyholders Interest) Regulations 2002 in 2002 after obtaining the approval of Advisory Council. Later a Gazette Notification was issued. For making informed decisions by the policyholders while investing in the ULIP products the Authority has advised the insurers to disclose upfront the details on guaranteed benefits as well as non-turanteed benefits for each policy year. The format advised for this needs to be signed by the policyholders

87 ANNUAL REPORT This brings in more transparency and protects the policyholders. c) Specifying requisite qualifications, code of conduct and practical training for intermediaries or insurance intermediaries and agents The code of conduct regarding the professional and ethical requirements for conduct of their professional work is specified in Chapter VI of the IRDA Regulations for Surveyors and Loss Assessors, They should strive for objectivity in professional and business judgment while behaving ethically and with integrity in their professional pursuit acting impartially and complying with due diligence, care and skill with regard to technical and professional standards expected of them. The Government of India and the Authority, have established Indian Institute of Insurance Surveyors and Loss Assessors (IIISLA) in order to promote self-regulation and professionalism amongst the surveyors as a part of further reforms in the insurance sector. The elections for putting in place the first elected council of the Institute (IIISLA), were held during and the affairs of he Institute were formally handed over by IRDA to the first elected council on The Council is expected to meet the mandate to establish the necessary infrastructure, to inculcate professionalism, discipline, and disseminate information relating to the profession of surveyors and loss assessors amongst its members. Both, the IRDA and IIISLA Institute are making efforts to ensure that the Institute develops the profession further and take on responsibilities envisaged in its charter. d) Specifying the code of conduct for surveyors and loss assessors The Code of Conduct applicable for Surveyors and Loss Assessors in respect of their professional work is embodied in Chapter VI of IRDA Regulations. Assessors. Surveyors shall behave ethically and with integrity in their professional pursuits; shall strive for objectivity in professional and business judgment; acting impartially and complying with due diligence, care and skill in regard to technical and professional standards expected of them. The IRDA, as mandated by the Govt. of India, has promoted the establishment of the Indian Institute of Insurance Surveyors and Loss Assessors (IIISLA) in order to promote professionalism amongst surveyors. The Promotee Council of IIISLA has handed over the functioning of the Institute to the First Council that consists of elected as well as nominated members. e) Promoting efficiency in the conduct of insurance business The tariffs for fire, engineering and motor were withdrawn with effect from 1 st January This resulted in the end of cross subsidization era wherein profitable fire and engineering portfolios supported loss making motor, health and marine cargo insurances. This was followed by complete relaxation of premium rates with effect from There was apprehension that the statutory motor third party cover would be denied to the policyholders. The Authority has been taking cognizance of complaints received regarding denial of third party cover and has resolved the complaints by taking up with the concerned insurers. The initiatives taken by the Authority in regulating the third party motor premium have been upheld by several High Courts. The Authority s directives to the general insurers to participate in motor third party pooling arrangement for commercial vehicles segment has resulted in availability of third party cover for the policyholders as well as an increase in such covers. The Pool has been set up with state of the art hardware and software. The Authority has stressed the need for collection and collation of qualitative data by the insurers especially in the area of motor insurance. The Authority has also been taking initiatives in leading the life insurance council and the general insurance council towards becoming self regulatory organizations. The Microinsurance regulations put in place by the Authority have resulted in the mainstream general insurance companies submitting micro-insurance products to the Authority for approval. This augurs well for the low-income population as they can get the existing insurance products at affordable premium. The Authority has constituted a Committee to look into issues relating to Health Insurance for of Senior Citizens in procuring health insurance

88 ANNUAL REPORT A circular was issued on 28 th December 2006 to all life insurers advising them that the decision for closure/relocation of their places of business should be after due consideration of all the factors including the possible inconveniences to its clientele. It is essential that the Board is appraised of such decisions with appropriate reasons, since the proposal for opening the branches/offices were initially approved by the Board. Adequate notice of a minimum of 2 months on the proposed relocation/closure should be given to policyholders serviced by that branch along with the alternate arrangements being made to service them. (f) Promoting and regulating professional organizations connected with insurance and reinsurance business: Institute of Insurance and Risk Management was established as a joint venture of IRDA and Government of Andhra Pradesh for providing opportunities to students wishing to pursue Diploma in Insurance. A distance learning wing was also opened at IIRM. Recognising the need for more actuaries in the insurance industry, International School of Actuarial Sciences was established at IIRM. A seminar on grievances redressal of insurance sector was organised so as to educate the public on grievances redressal mechanism followed by IRDA. The Authority also conducted a Seminar on the accounting issues of Insurance companies in coordination with the Institute of Chartered Accountants. The Life Insurance Council and the General Insurance Councils are the platforms available for the industry participants to interact and to set up practices for the healthy growth of the industry. Development of these self regulatory bodies augurs well for the industry to put across its view point on critical areas for the growth of the industry. In the same context, brokers licensed by the Authority is necessarily required to be a member of the Insurance Broker Association of India (IBA). IBA conducted an Annual Conference during The Association is functioning as a Self Regulatory Organization (SRO) with a Disciplinary Committee in place. A representative of the Authority is also a member of the Committee. During The IRDA has promoted the establishment of the Indian Institute of Insurance Surveyors and Loss Assessors (IIISLA) in order to promote professionalism amongst surveyors. The Promotee Council of IIISLA has handed over the functioning of the Institute to the First Council that consists of elected as well as nominated members. During the Financial Year , the Elected Council met 4 times. g) Levying fees and other charges for carrying out the purposes of the Act The Authority in terms of powers vested by section 3 of the Insurance Act levies both registration and renewal fees from the insurers and various intermediaries associated with the insurance business. However, registration fee of Rs.50,000/- (Fifty Thousand only) is charged at the time of granting of registration certificate and not thereafter. The renewal of registration fees for insurer stand at 10 per cent of 1 per cent of the Gross Direct Business Written in India (GDPI) or Rs. 50,000 (Fifty thousand only) subject to maximum of Rs. 5 crores. In case of re-insurer the fee is chargeable based on the facultative business written by the re-insurer in India. This follow amendment of regulation 20 of IRDA (Registration of India Insurance Companies) Regulations, 2000 issued in February, 2003 after obtaining the approval of Advisory Council. Later a Gazette Notification was issued.. h) Calling for information from, undertaking inspection of, conducting enquiries and investigations including audit of the insurers, intermediaries, insurance intermediaries and other organizations connected with the insurance business The financial year was the eighth year of operations of insurance companies, post opening up of the sector. While the Authority has been contemplating commencement of comprehensive on-site inspection, it was considered that the registered entities should be allowed time to stabilize operations prior to taking on full scale inspection. In the meantime, as an interim measure, based on concerns which arose at different points in time, the Authority has taken up targeted on-site inspections. Other than targeted inspections (including those related to market conduct issues), the Authority has been carrying on Investment Audit of the regulated insurance entities effective for the financial year onwards

89 ANNUAL REPORT I) Control and regulation of rates, advantages, terms and conditions that may be offered by the insurers in respect of general insurance business not so controlled and regulated by the Tariff Advisory Committee under Section 64 U of the Insurance Act 1938 (4 of 1938) As an adjunct to reforms in the insurance sector and after detailed deliberations and discussions with various stakeholders, de-tariffing of the non-life industry was notified by the Authority w.e.f., except in the case of Motor Third Party cover. It was envisaged that this measure will provide better choices to policyholders, differentiated rates consistent with the level of risks borne as well as overall improvement in risk management. As a first step, de-tariffing has been confined to de-control of rates only and terms & conditions of the policy will be considered later subsequently. In order to moderate the impact of tariff increase on commercial vehicle owners the Authority has retained the powers to determine the rates of Motor Third Party premium, a Motor third party Pool has been created to ensure involvement of all general insurers in the underwriting and management of motor third party risk. The pool is managed by the General Insurance Corporation. j) Specifying the form and manner in which books of accounts shall be maintained and statements of accounts shall be rendered by Insurers and other Insurance Intermediaries. Additional measures taken by the Authority to improve the transparency and disclosures in reporting in the financial statements: 1. As part of the review of the financial statements filed with the Authority on an annual basis and based on the analysis, clarifications are sought and/or attention is drawn to various non-compliances/ non-disclosures. While specific non-compliances/deviations are communicated to the insurers, certain common deficiencies have been observed in the compliance with various regulatory requirements connected to the preparation of financial statements. With a view to ensuring compliance and avoiding recurrence of the shortcomings observed, the Authority decided to reiterate clarifications issued on earlier occasions through the comprehensive Circular for the guidance of the insurers. 2. Effective December, 2007, all insurers have been advised to file the quarterly financial statements with the IRDA. These statements include the Balance Sheet, Revenue A/c (Policyholders A/c) and the Profit & Loss A/c (Shareholders A/c). k) Regulating investment of funds by insurance companies The Regulations of investment of funds by the insurance companies were issued by the Authority in Subsequently, the innovations in the financial markets led to new instruments. As such the insurance companies approached the Authority to allow them to invest their funds in the new instruments also. In the light of this, the Authority had setup a Working Group to review the existing statutory prescriptions on investments for insurance companies, constraints faced by them and to suggest changes if necessary. The Working Group suggested amendments to the Regulations by providing flexibility to the Authority in prescribing the manner in which funds can be invested by the insurance companies. The Working Group while making suggestions have also examined the present Returns prescribed for monitoring the information on investments and suggested certain changes in the format which will facilitate the Authority in supervision purposes. The Authority has examined the recommendations. Some of the recommendations require changes in the Regulations. A suitable framework for implementation was also proposed. Accordingly, the Authority has issued new regulations on investment of funds by insurance companies vide IRDA(Investment)(Fourth Amendment)Regulations,2008 after obtaining the approval of Advisory Council. Later a Gazette Notification was issued.. l) Regulating maintenance of margin of solvency Every insurer is required to maintain a required Solvency Margin as per the Section 64 VA of the Insurance Act Every insurer shall maintain an excess of the value of assets over the liabilities. The excess prescribed by the IRDA, is referred to as Required Solvency Margin. The IRDA (Assets, Liabilities 73 73

90 ANNUAL REPORT and Solvency Margin of Insurers) Regulations 2000 describe in detail the method of computation of the Required Solvency Margin. The ratio was monitored on annual basis. Considering the importance of monitoring this ratio on a continuous basis, the Authority has now asked the insurers to submit quarterly returns on solvency margins. The lower level of solvency for pure term products would provide significant relief to the life insurers both under individual products and under group products. This will also help the insurers in launching more pure term products for sufficiently longer periods and at affordable rates. m) Adjudication of disputes between Insurers and Intermediaries or Insurance Intermediaries IRDA does not carryout any adjudication in case of disputes between insurers and intermediaries or insurance intermediaries. Insurers were advised to approach the available quasi-judicial or judicial channels like Insurance Ombudsmen. In case of any disputes between insurers and intermediaries the Authority seeks clarifications from the concerned. n) Supervising the functioning of the Tariff Advisory Committee With the removal of tariffs the Tariff Advisory Committee has been designated by the Authority as the data repository for maintenance of database for various classes of general insurance. The TAC maintains a web enabled declined lives database for exclusive use of the life insurers. This database has incorporated the suggestions of Life Council and enlarged its scope of use. Consequent to a demand from insurers, the General Insurance Council and with the approval of Chairman, IRDA, TAC has developed a web search system for stolen insured vehicles. Tariff Advisory Committee has compiled the stolen vehicles database from the data submitted by the insurance companies for the year and stolen vehicles records submitted by insurers through General Insurance council for the period upto 31 st March The users can access the search page by entering user name and password provided by TAC. The login designated access officer of insurance companies as per names received from General Insurance Council are provided with the user name and password to access the site o) Specifying the percentage of the premium income of the insurer to finance schemes for promoting and regulating professional organizations referred to in clause (f) The Auithority has not prescribed any percentage of the premium income of the insurer to finance schemes for promoting and regulating professional organizations referred to in clause (f). p) Specifying the percentage of life insurance business and general insurance business to be undertaken by the Insurers in the rural and social sector The obligations as stipulated in the IRDA (Obligations of insurers towards the rural or social sector) Regulations, 2002 lay down the requirements to be complied with by the insurers during the first five years of their operations. In case of the public sector insurers these obligations have been linked to their performance in the year in these sectors. With the amendments which were notified in , the obligations of the private insurers upto the tenth year of operations has been laid down. Simultaneously, the obligations of the public sector insurers were also revisited. The obligations of the private insurers are as under: (a) Rural sector: (i) in respect of a life insurer: commencing from seven per cent of the total policies written direct in the first financial year to twenty percent in the tenth financial year. (ii) in respect of a non-life insurer: commencing from two per cent of total gross premium income written direct in the first financial year to seven per cent from the ninth financial year onwards. (b) Social sector, in respect of all insurers Commencing from five thousand lives in the first financial year to fifty five thousand lives in the tenth financial year. In respect of the existing insurers as on the date of commencement of IRDA Act, 1999 (four non-life insurers and 74 74

91 ANNUAL REPORT LIC), the Regulations provided that the quantum of insurance business to be done in the rural and social sectors shall not be less than what was recorded by them for the accounting year ended 31 st March, Based on the amendment regulations notified by the Authority, the Obligations of these insurers towards the rural and social sectors for the financial year to the financial year are as under: (I) Life Insurance Corporation of India (LIC): (a) Rural Sector Obligations: (i) Financial year : twenty four per cent (ii) Financial years and : twenty five per cent of the total policies written direct in that year. (b) Social Sector Obligations: Twenty lakh lives should be covered for the years to (II) Non life insurers: (a) Rural Sector Obligations: (i) Financial year : six per cent (ii) Financial year and : seven per cent of the total gross premium income written direct in that year. (b) Social Sector Obligations: For the financial year : (i) the average of the number of lives covered by the respective insurer in the social sector from the financial years to or (ii) 5.50 lakh lives whichever is higher. The obligations of the insurers shall undergo an increase of ten percent in each of the financial years and , over the number of persons actually covered in the financial year In addition, with a view to giving fillip to micro insurance and to aligning the rural and social sector obligations with the micro insurance regulations the manner of compliance has been linked to the micro insurance regulations. Further, in order to provide time to insurance companies to establish operations to enable them to comply with their obligations towards the rural and social sectors, amendments have been made to the Regulations. It has been provided that in cases where an insurance company commences operations in the second half of the financial year and is in operations for less than six months as at 31st March of the relevant financial year, (i) no rural or social sector obligations shall be applicable for the said period, and (ii) the annual obligations as indicated in the Regulations shall be reckoned from the next financial year which shall be considered as the first year of operations for the purpose of compliance. In cases where an insurance company commences operations in the first half of the financial year, the applicable obligations for the first year shall be 50 per cent of the obligations as specified in these Regulations. q) Exercising such other powers as may be prescribed The Central Government did not prescribe any powers to the Authority and consequently Authority did not exercise any powers

92 ANNUAL REPORT

93 ANNUAL REPORT PART IV ORGANISATIONAL MATTERS i. Organization Sri C. S. Rao continued to be the Chairman of the Authority during the year till 14 th May Shri J. Hari Narayan, IAS (retired) joined as Chairman of the Authority on 12 th June, Shri C R Muralidharan, Shri K K Srinivasan, Sri G. Prabhakara and Dr. R. Kannan continue to be Whole-time Members of the Authority. Sri Vijay Mahajan, MD, BASIX and Smt. Ela R. Bhatt, Founder of Self Employed Women s Association (SEWA) continue to be part-time Members of IRDA. Ms. Sushma Nath, Secretary, Department of Expenditure, Ministry of Finance was nominated as Part-time Member with effect from 9 th April, 2008 and Shri.Ved Jain has replaced Sri Sunil Talati as Part-time Member representing Institute of Chartered Accountants of India. ii. Meetings of the Authority During the period April, 2007 to March, 2008 the Authority had five meetings. During April 2008 to September 2008 two meetings of the Authority were held. iii. Human Resources In pursuance of strengthening the human resources of the IRDA, a comprehensive induction plan for recruiting professionals with specialised qualifications and background was embarked upon. Eight officers in the Actuary department joined the IRDA in the months of August/September, Process of inducting more officers has also started simultaneously. The Authority, jointly with Andhra Pradesh Government, had set up an Institute of Insurance and Risk Management (IIRM) at Hyderabad in IIRM aims to serve the learning and development needs of emerging markets in the context of their contemporary challenges. IIRM is overseen by Board of Directors headed by Chairman of the Authority. It continues to cater to the needs of the industry by way of providing diversified range of courses, including Post-Graduate Diploma in General Insurance, Life Insurance and Risk management. The IIRM courses are accredited by Chartered Insurance Institute, London. The International School for Actuarial Science (ISAS) has started functioning under the aegis of IIRM to achieve the objectives of IRDA to enhance the availability of qualified skill resources to the insurance industry. iv. Promotion of Official Language There is a separate Hindi Section at IRDA to ensure the implementation of the constitutional provisions of Official Language and to implement the Official Language Policy of the Government of India to promote use of Hindi in the Head Quarters as well as in the Subordinate Office under its control. Efforts are being made to promote the use of Hindi in official work. The progress made in the use of Hindi was reviewed periodically and measures were adopted to achieve the targets fixed for various items in the Annual Programme for the year issued by the Department of Official Language. Compliance of section 3 (3) Of Official Languages Act During the year under review, General Orders Notifications / Regulation/ Administrative and other reports, etc., were issued bilingually as required under section 3 (3) of the Official Languages Act, In order to increase the correspondence in Hindi, standard drafts were prepared; As a result, use of Hindi has increased considerably. Hindi Salahakar Samiti In order to accelerate the use of Hindi in the IRDA and its Subordinate Office, The Member IRDA has attended the Hindi Salahakar Samiti under the Chairmanship of the Minister of State for Finance. The main objective of the Samiti is to review the progress made in the use of Hindi in the Ministry as well as its Subordinate Offices/Public Sector Undertakings/ Statuary body and also to recommend concrete measures to increase the use of Hindi in Official work and to comply with the Official Language Policy. Hindi continues to occupy sufficient space in the monthly IRDA Journal. Along with translation of already published articles in Hindi, the Journal published some original articles in Hindi on Insurance

94 ANNUAL REPORT In order to help Officers/employees of IRDA to work in Hindi, online translation cum guidance facility is provided to officers and employees of the authority. There is one subordinate offices at New Delhi. An officer from IRDA, New Delhi nominated for acquiring Official language training In order to ensure the compliance of Official Language Policy in the offices. Directions were issued by the Authority from time to time and progress made in usage of Hindi was closely monitored. v) Status of Information Technology in IRDA Information Technology provides operational support systems in the functioning of the Authority. The department of IT manages IT systems and handles enhancements / upgradation of the existing systems so as to bridge the technology gaps, if any. Management of Policyholders Complaints: Complaints Management software solution is a comprehensive solution for managing complaints from policy holders. This software enables the departments to track each complaint through its lifecycle from recording, reporting, and closure following the appropriate process to ensure that nothing slips through the cracks. The database and enhancements made in the reporting capability of the Complaints Management System helped the departments to perform trend analysis and spot recurring problems. Rigorous management of policy holders complaints also drove continuous improvements on functioning of insurers to address the policy holders grievances. Agents Licensing System: Agent portal is an on-line system for insurance agents licensing process. The IRDA Agents Registration system has been operational since the year 2000 and regular enhancements are made in the portal. The Agents portal is used by all Indian insurance companies. The main function of the portal is to generate agents licence. Help desk and On-line submission of queries have been in built so as to resolve the queries of the designated persons (DPs) of insurance companies in regard to issue of licenses. Around 1.2 million fresh and renewal licenses for individual and corporate agents were issued by the insurers using this portal. The site is hosted at IRDA s Website: Authority s website continues to function as one point source of information for the various stakeholders of the insurance industry. The following additions were made to the website during the year : 1. Product information: An insurer-wise list of life products approved by the Authority, so that public can use this information while taking decisions. 2. FAQs- Frequently Asked Questions on Unit Linked Insurance Products (ULIPs): A facility to buyers of ULIPs to understand the features of the ULIP products. IT infrastructure: IT infrastructure facilities have been significantly enhanced in order to cater to the growing needs of the organization. The Authority has also initiated necessary steps for digitizing its old records and developing archives of documents. vi. Accounts The Accounts of the Authority for the financial year have been audited by the Comptroller and Auditor General of India (C&AG). C&AG, in their draft separate audit report, has advised revision in the accounts due to somewrong classifications. The same has been carried out. A copy of revised accounts for the year is placed at Annexure. X. The revised accounts are under submission to C&AG and final report on the same is awaited. vii. ISO 2000 Registration The Authority has established a quality management system in compliance with internal quality system standard ISO M/s. American Quality Assessors (India) Pvt. Ltd. has conducted Second Surveillance Audit in July, 2008 in the Authority and has not observed any major Non-Conformance of the ISO quality standards

95 ANNUAL REPORT viii. IRDA Journal The IRDA Journal, the monthly publication of the Authority, has completed five years with the November 2007 issue. The Journal has grown in its strength and reputation and has been recognized as a medium of communication for everyone who is either directly or indirectly associated with the insurance industry. Further, it has continued to fulfill its role as a resource for researchers, analysts and the insurers themselves, both at home as well as abroad. The emphasis has been on focusing issues, cover topical issues; presentation of the statistical data in a meaningful manner and keeping an eye on the demands of the industry. The recent changes in the presentation of issues have been welcomed by all. During the year , the Journal covered various contemporary issues. The contributions have come from stakeholders of the industry presenting different perspectives on any issue. The areas of focus during were: Financial Management of Disasters and Preparedness; Risk Management for Insurers; Reserving and Solvency; Insurance Education and Awareness; Monitoring and Supervision; Reinsurance; Insurance Laws; Micro-insurance; Agriculture Insurance; Health Insurance; Role of Insurance in Personal Financial Planning; and Marine Insurance. ix. Acknowledgements The Authority would like to place on record its appreciation for the outstanding leadership provided by Shri C.S. Rao, Chairman, IRDA from June 10, 2003 to May 14, The Authority would also like to place on record its appreciation and sincere thanks to the Members of the Insurance Advisory Committee, the Reinsurance Advisory Committee, Insurance Division (Ministry of Finance), all insurers and intermediaries for their invaluable guidance and co-operation in its proper functioning and to the compact team of officers and employees of the Authority for efficient discharge of their duties. The Authority also records its special thanks to the members of the public, the press, all the professional bodies and international agencies connected with the insurance profession for their valuable contribution from time to time

96 ANNUAL REPORT Statements (Final) 74...

97 ANNUAL REPORT STATEMENTS AND ANNEX 81 Statements (Final) 74...

98 ANNUAL REPORT Statements (Final) 74...

99 ANNUAL REPORT FINANCIAL SAVING OF THE HOUSEHOLD SECTOR (GROSS) Percent of total financial saving STATEMENT 1 Item # P P P (1) (2) (3) (4) (5) Financial Saving (Gross) (16.7) (18.5) (16.7) (13.9) (13.8) a) Currency (1.5) (1.6) (1.5) (1.2) (1.5) b) Deposits (7.8) (10.3) (7.8) (5.2) (5.3) i) With banks ii) With non-banking companies iii) With co-operative banks and societies iv) Trade debt (net) c) Shares and debentures (0.9) (1.2) (0.9) (0.2) 0.0 i) Private corporate business ii) Banking iii) Units of Unit Trust of India iv) Bonds of public sector undertakings v) Mutual fund (other than UTI) d) Claims on government (2.4) (1.0) (2.4) (3.4) (3.2) i) Investment in government securities ii) Investment in small savings, etc e) Insurance funds (2.3) (2.8) (2.3) (2.2) (1.9) i) Life insurance funds ii) Postal insurance iii) State insurance f) Provident and pension funds (1.7) (1.7) (1.7) (1.8) (1.9) P : Provisional. # : Preliminary Estimates. Source : The Reserve Bank of India Annual Report Notes:1. Figure in brackets are percentage to GDP at current market prices. 2. Components may not add up to the totals due to rounding off. 83 Statements (Final) 74...

100 ANNUAL REPORT INTERNATIONAL COMPARISON OF INSURANCE PENETRATION STATEMENT 2 Continent/Country 2005** 2006** 2007** Total Life Non-Life Total Life Non-Life Total Life Non-Life North America United States Canada Latin America and Caribbean Trinidad and Tobago Chile Jamaica Panama Argentina Colombia Venezuela Dominican Republic Brazil Costa Rica Mexico Ecuador Peru Europe United Kingdom Switzerland Netherlands Ireland Finland France Belgium Sweden Denmark Germany Italy Spain Austria Portugal Slovenia Cyprus Norway Czech Republic Luxembourg Slovakia Iceland Poland Russia Croatia Hungary Greece Bulgaria Ukraine Contd Statements (Final) 74...

101 ANNUAL REPORT INTERNATIONAL COMPARISON OF INSURANCE PENETRATION Continent/Country 2005** 2006** 2007** Total Life Non-Life Total Life Non-Life Total Life Non-Life Turkey Romania Serbia Montenegro Lithuania Asia South Korea Japan Taiwan Hong Kong Israel Malaysia Singapore Thailand India Lebanon PR China Jordan Phillipines UAE Sri Lanka Indonesia Oman Vietnam Iran Kuwait Pakistan Saudia Arabia Bangladesh Africa South Africa Morocco Kenya Tunisia Nigeria Egypt Algeria Oceania Australia New Zealand World Source: Swiss Re, Sigma volumes 5/2006, 4/2007 and 3/2008 ** Data relates to calender year Insurance penetration is measured as ratio (in per cent) of premium (in US Dollars) to GDP (in US Dollars) 85 Statements (Final) 74...

102 ANNUAL REPORT INTERNATIONAL COMPARISON OF INSURANCE DENSITY* STATEMENT 3 Continent/Country 2005** 2006** 2007** Total Life Non-Life Total Life Non-Life Total Life Non-Life North America United States Canada Latin America and caribbean Trinidad and Tobago Chile Jamaica Panama Argentina Colombia Venezuela Dominican Republic Brazil Costa Rica Mexico Ecuador Peru Europe United Kingdom Switzerland Netherlands Ireland Finland France Belgium Sweden Denmark Germany Italy Spain Austria Portugal Slovenia Cyprus Norway Czech Republic Luxembourg Slovakia Iceland Poland Russia Croatia Hungary Greece Bulgaria Contd... Statements (Final) 74...

103 ANNUAL REPORT INTERNATIONAL COMPARISON OF INSURANCE DENSITY* Continent/Country 2005** 2006** 2007** Total Life Non-Life Total Life Non-Life Total Life Non-Life Ukraine Turkey Romania Serbia Montenegro Lithuania Asia South Korea Japan Taiwan Hong Kong Israel Malaysia Singapore Thailand India Lebanon PR China Jordan Phillipines UAE Sri Lanka Indonesia Oman Vietnam Iran Kuwait Pakistan Saudia Arabia Bangladesh Africa South Africa Morocco Kenya Tunisia Nigeria Egypt Algeria Oceania Australia New Zealand World Source: Swiss Re, Sigma volumes 5/2006, 4/2007 and 3/2008 * Insurance density is measured as ratio of premium (in US Dollar) to total population ** Data relates to calender year 87 Statements (Final) 74...

104 Statements (Final) POLICY HOLDERS ACCOUNT : ALL LIFE INSURERS STATEMENT 4 Particulars BSLI ICICI PRU ING VYSYA L.I.C. HDFC MNYL RELIANCE BAJAJ ALLIANZ SBI-LIFE STD LIFE LIFE $ LIFE Premiums earned net (a) Premium (b) Reinsurance ceded (3406) (3101) (2430) (1617) (559) (318) (8795) (4167) (4095) (3324) (2205) (1486) (1218) (414) (1327) (926) (1093) (505) (c) Reinsurance accepted Income from Investments (a) Interest, Dividends & Rent Gross (b) Profit on sale/redemption of investments (c) (Loss on sale/ redemption of investments) (10228) (5541) (26177) (13857) (4983) (1069) (163831) (145943) (11230) (4119) (2816) (460) (15269) (3034) (15526) (10550) (6759) (1894) (d) Transfer/Gain on revaluation/change in fair value (29177) (13550) (3428) (592) (107288) (110232) (29244) (2562) (30084) (10366) (15310) 2330 (e) Amortization of Premium/Discount on Investments (65) (63) (569) (658) 30 (76) 562 (9) (f) Appropriation/Expropriation Adjustment Account Other Income Transfer from Shareholders Account TOTAL (A) Commission Operating Expenses related to Insurance Business Provision for doubtful debts Bad debts written off 1 0 Provision for Tax Provisions (other than taxation) (a) For diminution in the value of investments (Net) 7523 (b) Others 4167 (5851) TOTAL (B) Benefits Paid (Net) Interim Bonuses Paid Change in valuation of liability in respect of life policies (a) Gross* (b) Amount ceded in Reinsurance (2893) (1326) (57) (4) 1029 (1411) (523) (100) (713) (296) (c) Amount accepted in Reinsurance (d Transfer to Linked Fund TOTAL ( C ) SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C) Prior Period Items Balance at the beginning of the year Transfer from Linked Fund (Lapsed Policies) (675) Surplus available for appropriations APPROPRIATIONS Transfer to Shareholders Account Transfer to Other Reserves (Reserve for lapsed unit linked policies unlikely to be revived) Balance being funds for future appropriations-policyholders Balance being funds for future appropriations-shareholders Balance transferred to Balance Sheet TOTAL (D) Note : * represents mathematical reserves after allocation of bonus ** Insurer commenced operations during Figure in brackets represents negative values (Rs lakh) ANNUAL REPORT

105 Statements (Final) POLICY HOLDERS ACCOUNT : ALL LIFE INSURERS Particulars KOTAK TATA-AIG MET-LIFE AVIVA SAHARA SHRI RAM BHARTI FUTURE IDBI FORTIS TOTAL MAHINDRA LIFE LIFE AXA GENERALI** Premiums earned net (a) Premium (b) Reinsurance ceded (2843) (2018) (1356) (1123) (1105) (439) (1247) (717) (3) (1) (17) (14) (27) (2) (192) (0) (6790) (4314) (c) Reinsurance accepted (Rs lakh) Income from Investments (a) Interest, Dividends & Rent Gross (b) Profit on sale/redemption of investments (c) (Loss on sale/ redemption of investments) (5748) (2779) (28) (63) (525) (239) (1) (20) (0) (6320) (3082) (d) Transfer/Gain on revaluation/change in fair value(10306) (1776) (538) (207) (4) (359) (5) (0) (9855) 3604 (e) Amortization of Premium/Discount on Investments (42) (806) (f) Appropriation/Expropriation Adjustment Account Other Income Transfer from Shareholders Account TOTAL (A) Commission Operating Expenses related to Insurance Business Provision for doubtful debts (92) 73 (92) 73 Bad debts written off Provision for Tax Provisions (other than taxation) (a) For diminution in the value of investments (Net) (b) Others TOTAL (B) Benefits Paid (Net) Interim Bonuses Paid Change in valuation of liability in respect of life policies (a) Gross* (b) Amount ceded in Reinsurance (157) (96) (378) (74) (239) (177) (1) (1) (39) (54) (1) (869) (347) (c) Amount accepted in Reinsurance (d) Transfer to Linked Fund ANNUAL REPORT TOTAL ( C ) SURPLUS/ (DEFICIT) (D) =(A)-(B)-(C) (48878) (22111) (5) (38) (0) (33780) (7918) Prior Period Items Balance at the beginning of the year 363 (4848) (7724) (74) (12) 289 (12584) Transfer from Linked Fund (Lapsed Policies) Surplus available for appropriations (48878) (29835) (5) 4 66 (50) (0) (33374) (19682) APPROPRIATIONS Transfer to Shareholders Account Transfer to Other Reserves (Reserve for lapsed unit linked policies unlikely to be revived) Balance being funds for future appropriations-policyholders (1362) (244) (5) 4 23 (74) Balance being funds for future appropriations-shareholders Balance transferred to Balance Sheet (80318) (30079) (73659) (23262) TOTAL (D) (81679) (30323) (5) 4 66 (49) (66175) (20170) Note : * represents mathematical reserves after allocation of bonus ** Insurer commenced operations during Figure in brackets represents negative values

106 Statements (Final) SHARE HOLDERS ACCOUNT : ALL LIFE INSURERS STATEMENT 5 Particulars BSLI ICICI PRU ING VYSYA L.I.C. HDFC MNYL RELIANCE BAJAJ ALLIANZ SBI-LIFE STD LIFE LIFE $ LIFE Amounts transferred from the Policyholders Account (Technical Account) (Rs lakh) Income From Investments: (a) Interest, Dividends & Rent Gross (b) Profit on sale/redemption of investments (c) (Loss on sale/ redemption of investments) (7) (8) (299) (359) (29) (9) (4) (111) (125) (78) (22) (259) (165) (230) (198) (729) (103) (d) Transfer/gain on revaluation/change in Fair value (214) (239) (e) Amortization of Premium/Discount on Investments 140 (107) 6 (24) (58) Other Income TOTAL (A) Expenses other than those directly related to the insurance business Bad debts written off Provisions (Other than taxation) (a) For diminution in the value of investments (Net) (b) Provision for doubtful debts (c) Others Contribution to Policyholders Account ANNUAL REPORT TOTAL (B) Profit/ (Loss) before tax (44528) (13974) (154314) (69167) (19046) (17754) (24351) (12556) (15693) (6047) (76807) (31511) (21388) (7170) Provision for Taxation Profit / (Loss) after tax (44528) (13974) (139506) (64891) (19053) (17757) (24351) (12556) (25693) (6047) (76807) (31511) (31511) (7170) Prior Period Items APPROPRIATIONS (a) Balance at the beginning of the year (44460) (30486) (160170) (95279) (52713) (34956) (44213) (31657) (45281) (39234) (53710) (22200) (27601) (20431) (2966) (3349) (b) Interim dividends paid during the year (c) Proposed final dividend (d) Dividend distribution on tax (e) Transfer to reserves/ other accounts (270) Profit carried to the Balance Sheet (88987) (44460) (299676) (160170) (71765) (52713) (68834) (44213) (60974) (45281) (130517) (53711) (48990) (27601) 473 (2966)

107 Statements (Final) SHARE HOLDERS ACCOUNT : ALL LIFE INSURERS Particulars KOTAK TATA-AIG MET-LIFE AVIVA SAHARA SHRI RAM BHARTI FUTURE IDBI FORTIS TOTAL MAHINDRA LIFE LIFE AXA GENERALI** Amounts transferred from the Policyholders Account (Technical Account) (Rs lakh) Income From Investments: (a) Interest, Dividends & Rent Gross (b) Profit on sale/redemption of investments (c) (Loss on sale/ redemption of investments) (692) (408) (6) (10) (5) (22) (14) (9) (0) (0) (2438) (1462) (d) Transfer/gain on revaluation/change in Fair value (214) (239) (e) Amortization of Premium/Discount on Investments Other Income TOTAL (A) Expenses other than those directly related to the insurance business Bad debts written off Provisions (Other than taxation) (a) For diminution in the value of investments (Net) (b) Provision for doubtful debts (c) Others 9 9 Contribution to Policyholders Account ANNUAL REPORT TOTAL (B) Profit/ (Loss) before tax (7271) (10964) (33930) (7236) 2125 (1197) (20249) (13175) 334 (51) (24201) (8043) (3005) (357) (2550) (356211) (120367) Provision for Taxation (83) (0) (3) Profit / (Loss) after tax (7187) (11047) (33930) (7236) 2125 (1197) (20249) (13175) 334 (51) (24201) (8043) (3005) (357) (2553) (341281) (115960) Prior Period Items APPROPRIATIONS (a) Balance at the beginning of the year (26681) (15634) (30567) (23331) (16545) (15348) (46501) (33325) (1597) (1545) (8043) (357) (560236) (366557) (b) Interim dividends paid during the year (c) Proposed final dividend (d) Dividend distribution on tax (e) Transfer to reserves/ other accounts Profit carried to the Balance Sheet (33868) (26681) (64461) (30567) (14420) (16545) (66749) (46501) (1263) (1596) (32244) (8043) (3362) (357) (2553) (985746) (559879)

108 Statements (Final) BALANCE SHEET: ALL LIFE INSURERS (AS ON 31ST MARCH) STATEMENT 6 Particulars BSLI ICICI PRU ING VYSYA L.I.C. HDFC MNYL RELIANCE BAJAJ ALLIANZ SBI-LIFE STD LIFE LIFE $ LIFE SOURCES OF FUNDS SHAREHOLDERS FUNDS: (Rs lakh) SHARE CAPITAL ADVANCE AGAINST SHARE CAPITAL 2874 SHARE APPLICATION MONEY PENDING ALLOTMENT EMPLOYEES STOCK OPTION OUTSTANDING RESERVES AND SURPLUS CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT (202) (936) Sub-Total BORROWINGS POLICYHOLDERS FUNDS: 92 CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT (200) (2079) REVALUATION RESERVE-INVESTMENT PROPERTY POLICY LIABILITIES INSURANCE RESERVES PROVISION FOR LINKED LIABILITIES Sub-Total DEFERRED TAX LIABILITY FUNDS FOR FUTURE APPROPRIATIONS TOTAL APPLICATION OF FUNDS INVESTMENTS Shareholders Policyholders ANNUAL REPORT ASSETS HELD TO COVER LINKED LIABILITIES LOANS FIXED ASSETS INCIDENTAL EXPENSES PENDING CAPITALISATION DEFERRED TAX ASSET CURRENT ASSETS Cash and Bank Balances Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) NET CURRENT ASSETS (C) = (A B) (8326) (9618) (73801) (35272) (3153) (8935) (17014) (7488) (11790) (8471) (54214) (31383) (18368) (9369) MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) DEBIT BALANCE IN PROFIT & LOSS ACCOUNT (Shareholders Account) Debit Balance in Policyholders A/c TOTAL

109 Statements (Final) BALANCE SHEET: ALL LIFE INSURERS (AS ON 31ST MARCH) Particulars KOTAK TATA-AIG MET-LIFE AVIVA SAHARA SHRI RAM BHARTI FUTURE IDBI FORTIS TOTAL MAHINDRA LIFE LIFE AXA GENERALI SOURCES OF FUNDS SHAREHOLDERS FUNDS: SHARE CAPITAL (Rs lakh) ADVANCE AGAINST SHARE CAPITAL SHARE APPLICATION MONEY PENDING ALLOTMENT EMPLOYEES STOCK OPTION OUTSTANDING RESERVES AND SURPLUS CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT (7) (7) Sub-Total BORROWINGS POLICYHOLDERS FUNDS: CREDIT/[DEBIT] FAIR VALUE CHANGE ACCOUNT REVALUATION RESERVE-INVESTMENT PROPERTY POLICY LIABILITIES INSURANCE RESERVES PROVISION FOR LINKED LIABILITIES Sub-Total DEFERRED TAX LIABILITY FUNDS FOR FUTURE APPROPRIATIONS TOTAL APPLICATION OF FUNDS INVESTMENTS Shareholders Policyholders ASSETS HELD TO COVER LINKED LIABILITIES ANNUAL REPORT LOANS FIXED ASSETS INCIDENTAL EXPENSES PENDING CAPITALISATION DEFERRED TAX ASSET CURRENT ASSETS Cash and Bank Balances Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) NET CURRENT ASSETS (C) = (A B) (2039) 701 (14836) (3950) (12580) (9014) (141) (266) (5776) (1863) 744 (404) MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) DEBIT BALANCE IN PROFIT & LOSS ACCOUNT (Shareholders Account) Debit Balance in Policyholders A/c TOTAL

110 ANNUAL REPORT LIFE INSURANCE CORPORATION OF INDIA : CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS ( NON PARTICIPATING) POLICYHOLDERS ACCOUNT STATEMENT 7 (Rs. Lakh) Premiums earned (Net) Profit/ Loss on sale/redemption of Investments (26) (20) Change in Policy Liabilities (1166) (1805) Others 0 Interest, Dividend & Rent (Gross) TOTAL (A) Claims Incurred (Net) Commission Operating Expenses related to Insurance Business Others- Amortizations, Write offs (11) 15 and Provisions Foreign Taxes - - TOTAL (B) Operating Profit/(Loss) C= (A - B) (261) (218) APPROPRIATIONS Transfer to Shareholders Account - - Transfer to Catastrophe Reserve - - Transfer to Other Reserves - - TOTAL (C ) (261) (218) 94 Statements (Final) 74...

111 ANNUAL REPORT LIFE INSURANCE CORPORATION OF INDIA : CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS ( NON PARTICIPATING) SHAREHOLDERS ACCOUNT STATEMENT 8 (Rs. Lakh) OPERATING PROFIT/(LOSS) (a) Fire Insurance (b) Marine Insurance (C) Miscellaneous Insurance (261) (218) INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments Less: Loss on sale of investments OTHER INCOME TOTAL (A) (261) (218) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (C) Others OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others TOTAL (B) Profit Before Tax (261) (218) Provision for Taxation Profit after Tax (261) (218) APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts (e) Transfer to General Reserve (f) Balance of profit/ loss brought forward from last year (g) Balance carried forward to Balance Sheet (261) (218) 95 Statements (Final) 74...

112 ANNUAL REPORT LIFE INSURANCE CORPORATION OF INDIA CAPITAL REDEMPTION AND ANNUITY CERTAIN BUSINESS ( NON PARTICIPATING) BALANCE SHEET (As on 31st March) STATEMENT 9 (Rs. Lakh) SOURCES OF FUNDS Share Capital Policy Liabilities Reserves and Surplus Fair value change account 7 7 Borrowings TOTAL APPLICATION OF FUNDS Investments Loans Fixed Assets Current Assets Cash and Bank Balances Advances and Other Assets Total Current Assets (A) Current Liabilities Provisions Total Current Liabilities (B) Net Current Assets (C) = (A - B) Miscelleneous Expenditure (to the extent not written off) Debit balance in Profit and Loss A/c TOTAL Statements (Final) 74...

113 Statements (Final) POLICYHOLDERS ACCOUNT : PUBLIC SECTOR NON-LIFE INSURERS NEW INDIA ORIENTAL STATEMENT 10 (Rs. Lakh) PARTICULARS Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others (21) (67) (8) Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (651) (1315) Operating Expenses related to Insurance Business Others- Amortizations, Write offs & Provisions Foreign Taxes TOTAL (B) ANNUAL REPORT Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A - B) (1677) (1558) APPROPRIATIONS Transfer to Shareholders Account (1677) (1558) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) (1677) (1558) Figure in brackets indicate negative amounts Contd...

114 Statements (Final) POLICYHOLDERS ACCOUNT : PUBLIC SECTOR NON-LIFE INSURERS (Rs. Lakh) NATIONAL UNITED TOTAL PARTICULARS Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total Fire Marine Misc Total Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others (1) (13) Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (2672) (1073) (358) Operating Expenses related to Insurance Business Others- Amortizations, Write offs & Provisions Foreign Taxes TOTAL (B) ANNUAL REPORT Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A - B) 2128 (387) (12153) (10411) (1103) (2406) (1535) APPROPRIATIONS Transfer to Shareholders Account 2128 (387) (12153) (10411) (1103) (2406) (1535) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) 2128 (387) (12153) (10411) (1103) (2406) (1535) Figure in brackets indicate negative amounts

115 Statements (Final) SHAREHOLDERS ACCOUNT : PUBLIC SECTOR NON-LIFE INSURERS STATEMENT 11 (Rs. Lakh) PARTICULARS NEW INDIA ORIENTAL NATIONAL UNITED TOTAL OPERATING PROFIT/(LOSS) (a) Fire Insurance (1677) (b) Marine Insurance (1558) (387) (1103) (2406) (1535) (c) Miscellaneous Insurance (12153) (10411) INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments Less: Loss on sale of investments (74) (21) (109) - (1) - (109) (95) 99 OTHER INCOME (203) (28) (299) TOTAL (A) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (212) (751) (396) (b) For doubtful debts (426) (313) 961 (437) 512 (49) (231) (c) Others (30) OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others (21) (76) (310) TOTAL (B) Profit Before Tax Provision for Taxation (852) Profit after Tax APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Balance of Profit / Loss B/f from last year Balance C/f to Balance Sheet ANNUAL REPORT Figure in brackets indicate negative amounts

116 Statements (Final) BALANCE SHEET : PUBLIC SECTOR NON-LIFE INSURERS (AS ON 31ST MARCH) STATEMENT 12 (Rs. Lakh) SOURCES OF FUNDS NEW INDIA ORIENTAL NATIONAL UNITED TOTAL Share Capital Reserves & Surplus Fair Value Change Account Borrowings Deferred Tax Liability TOTAL APPLICATION OF FUNDS Investments Loans Fixed Assets Deferred Tax Assets CURRENT ASSETS Cash & Bank Balance Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) ANNUAL REPORT Net Current Assets (C)= (A-B) (448396) (506782) (399475) (354377) (431463) (382054) (476366) (449234) ( ) ( ) Misc. Expenditure (to the extent not written off or adjusted) Profit & Loss Account (Debit Balance) TOTAL

117 Statements (Final) POLICY HOLDERS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERS PARTICULARS ROYAL SUNDARAM BAJAJ ALLIANZ STATEMENT 13 (Rs. lakh) Fire Marine Misc Fire Marine Misc Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (660) (197) (97) (2838) (1876) (7864) Operating Expenses related to Insurance Business Premium Deficiency (387) (387) (100) TOTAL (B) Operating Profit/(Loss) C= (A - B) (1465) (783) (74) ANNUAL REPORT APPROPRIATIONS Transfer to Shareholders Account (1465) (783) (74) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) (1465) (783) (74) Note : Figure in brackets indicates negative amounts Contd...

118 Statements (Final) POLICY HOLDERS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERS (Rs. lakh) PARTICULARS TATA AIG RELIANCE Fire Marine Misc Fire Marine Misc Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others (1) (1) 5 Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (2352) (168) (944) (2657) (86) (5234) (7976) (7943) Operating Expenses related to Insurance Business Premium Deficiency TOTAL (B) (394) Operating Profit/(Loss) C= (A - B) 2493 (709) (1037) (580) (22472) (20608) (1340) APPROPRIATIONS Transfer to Shareholders Account 2493 (709) (1037) (580) (22472) (20608) (1340) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) 2493 (709) (1037) (580) (22472) (20608) (1340) ANNUAL REPORT Note : Figure in brackets indicates negative amounts Contd...

119 Statements (Final) POLICY HOLDERS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERS (Rs. lakh) PARTICULARS IFFCO TOKIO ICICI LOMBARD Fire Marine Misc Fire Marine Misc Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others (9) (26) (205) (240) (133) Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (2742) (395) (4152) (3629) (1330) (8697) (13656) (19048) Operating Expenses related to Insurance Business Premium Deficiency (100) (100) TOTAL (B) Operating Profit/(Loss) C= (A - B) 1499 (792) (1688) (981) (3812) APPROPRIATIONS Transfer to Shareholders Account 1499 (792) (1688) (981) (3812) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) 1499 (792) (1688) (981) (3812) ANNUAL REPORT Note : Figure in brackets indicates negative amounts Contd...

120 Statements (Final) POLICY HOLDERS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERS (Rs. lakh) PARTICULARS CHOLAMANDALAM HDFC CHUBB Fire Marine Misc Fire Marine Misc Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others (125) Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (977) (336) (952) (2266) (2115) (272) (17) (162) (451) 484 Operating Expenses related to Insurance Business Premium Deficiency (24) (24) 24 TOTAL (B) Operating Profit/(Loss) C= (A - B) 1950 (239) (1461) (176) (2311) (2264) (198) APPROPRIATIONS Transfer to Shareholders Account 1950 (239) (1461) (176) (2311) (2264) (198) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) 1950 (239) (1461) (176) (2311) (2264) (198) ANNUAL REPORT Note : Figure in brackets indicates negative amounts Contd...

121 Statements (Final) POLICY HOLDERS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERS (Rs. lakh) PARTICULARS FUTURE GENERALI UNIVERSAL SOMPO TOTAL Fire Marine Misc Fire Marine Misc Premiums earned (Net) (148) (15) 34 (129) (43) 0 (43) Profit/ Loss on sale/redemption of Investments Others (57) Interest, Dividend & Rent Gross TOTAL (A) (148) (15) 34 (129) (42) 0 (42) Claims Incurred (Net) Commission (76) (7) (42) (125) (3) (3) (24976) (41679) Operating Expenses related to Insurance Business Premium Deficiency (206) (76) TOTAL (B) Operating Profit/(Loss) C= (A - B) (444) (104) (1573) (2121) (766) (2) (768) (9436) APPROPRIATIONS Transfer to Shareholders Account (444) (104) (1573) (2121) (766) (2) (768) (9436) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) (444) (104) (1573) (2121) (766) (2) (768) (9436) ANNUAL REPORT Note : Figure in brackets indicates negative amounts

122 Statements (Final) SHARE HOLDERS ACCOUNT : PRIVATE SECTOR NON-LIFE INSURERS STATEMENT 14 (Rs Lakh) PARTICULARS ROYAL BAJAJ TATA AIG RELIANCE IFFCO TOKIO ICICI-LOMBARD CHOLAMANDALAM HDFC CHUBB FUTURETOTAL UNIVERSAL TOTAL SUNDARAM ALLIANZ GENERALI SOMPO OPERATING PROFIT/(LOSS) (a) Fire Insurance (444) (766) (b) Marine Insurance (74) (2289) (709) (485) (580) (220) (792) (3175) (3812) (1204) (239) (506) (176) (55) (104) (6441) (7739) (c ) Miscellaneous Insurance (1465) (335) (1037) (239) (22472) (4697) (1688) (3889) (1461) (532) (2311) (308) (1573) (2) (19829) (4744) INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments Less: Loss on sale of investments (0) (89) (46) (47) (197) (134) (98) 5 (270) (336) 106 Other Income (4) (153) (10) (5) TOTAL (A) (16253) (1633) 331 (1578) #REF! Provisions (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others (73) (209) (73) (209) OTHER EXPENSES (a) Expenses other than those related to Insurance Business (2) (2) (31) (20) (b) Bad debts written off (c) Others -preliminary & pre-operative, amortizations TOTAL (B) (57) (168) (31) (20) Profit Before Tax (16284) (1677) 250 (1701) (223) (38) Provision for Taxation (9) Profit After Tax (16555) (1700) 200 (1709) (224) (30) ANNUAL REPORT APPROPRIATIONS #REF! (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Deferred Tax of last year (e) catastrophe Reserve Balance of profit/ loss B/f from last year244 (1875) (277) (323) (1571) (3010) (3210) (224) Balance C/f to Balance Sheet (11315) (323) (4710) (3010) (1933) (224) (30) Note :Figure in brackets indicates negative amounts

123 Statements (Final) BALANCE SHEET : PRIVATE SECTOR NON-LIFE INSURERS (AS ON 31ST MARCH) STATEMENT 15 (Rs. Lakh) PARTICULARS ROYAL BAJAJ TATA AIG RELIANCE IFFCO TOKIO ICICI-LOMBARD CHOLAMANDALAM HDFC CHUBB FUTURETOTAL UNIVERSAL TOTAL SUNDARAM ALLIANZ GENERALI SOMPO Share Capital 17,000 14, Reserves & Surplus Fair Value Change Account (96) (253) (982) 98 (1787) (1241) (252) (77) (3074) (237) Borrowings Others Deferred Tax Liability TOTAL APPLICATION OF FUNDS Investments 55,903 45, Loans 0 0 Fixed Assets 1,914 1, Deferred Tax Asset CURRENT ASSETS Cash and Bank Balances 9,229 6, ANNUAL REPORT Advances and Other Assets 10,288 4, Sub-Total (A) CURRENT LIABILITIES 30,637 22, Provisions 29,909 21, Sub-Total (B) NET CURRENT ASSETS (C) = (A - B)(41028)(32788) (140480) (94662) (44868) (31322) (88588) (40251) (26221) (19510) (147080) (87943) (20835) (12787) (12751) (9612) (509100) (328700) Misc. Expenditure (to the extent not written off or adjusted) Profit & Loss Account (Debit Balance) TOTAL Note : Figure in brackets indicates negative amounts

124 ANNUAL REPORT POLICYHOLDERS ACCOUNT : HEALTH INSURERS STAR HEALTH APOLLO DKV PARTICULARS Premiums earned (Net) Profit/ Loss on sale/redemption of Investments STATEMENT 16 (Rs. Lakh) Others Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (814) (303) Operating Expenses related to Insurance Business Others- Amortizations, Write offs & Provisions Foreign Taxes TOTAL (B) Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C =(A-B) (392) (1136) (3197) APPROPRIATIONS Transfer to Shareholders Account (392) (1136) (3197) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) (392) (1136) (3197) Note : Figure in brackets indicate negative values 108 Statements (Final) 74...

125 ANNUAL REPORT SHAREHOLDERS ACCOUNT : HEALTH INSURERS STAR HEALTH APOLLO DKV PARTICULARS OPERATING PROFIT/(LOSS) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance (392) (1136) (3197) (392) (1136) (3197) STATEMENT 17 (Rs. Lakh) INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments 1 Less: Loss on sale of investments OTHER INCOME 1 0 TOTAL (A) 355 (433) (2782) 0 PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others 39 6 TOTAL (B) Profit Before Tax 316 (439) (2815) (24) Provision for Taxation 188 (180) 20 1 Profit after Tax 128 (259) (2834) (25) APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Balance of Profit / Loss B/f from last year (385) (126) (25) Balance C/f to Balance Sheet (258) (385) (2859) (25) Note : Figure in brackets indicate negative values 109 Statements (Final) 74...

126 ANNUAL REPORT BALANCE SHEET : HEALTH INSURERS (As on 31st March) STAR HEALTH APOLLO DKV PARTICULARS Share Capital STATEMENT 18 (Rs. Lakh) Reserves & Surplus Fair Value Change Account 1 Borrowings 200 TOTAL APPLICATION OF FUNDS Investments Loans 500 Fixed Assets Deferred Tax Assets CURRENT ASSETS Cash & Bank Balance Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) Net Current Assets (C)= (A-B) Misc. Expenditure (to the extent not written off or adjusted) Profit & Loss Account (Debit Balance) TOTAL Note : Figure in brackets indicate negative values 110 Statements (Final) 74...

127 ANNUAL REPORT GENERAL INSURANCE CORPORATION : POLICYHOLDERS ACCOUNT STATEMENT 19 (Rs. Lakh) Fire Marine Misc Life Total Fire Marine Misc Life Total Premiums earned (Net) Profit/ Loss on sale/redemption of Investments Others 2169 (686) (1539) (15) (72) 1646 (546) (1199) (0) (98) Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission Operating Expenses related to Insurance Business Foreign Taxes TOTAL (B) Operating Profit/(Loss) C= (A - B) (23031) (19197) (8132) APPROPRIATIONS Transfer to Shareholders Account (23031) (19197) (8132) Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C) (23031) (19197) (8132) Note : Figure in brackets indicate negative values 111 Statements (Final) 74...

128 ANNUAL REPORT GENERAL INSURANCE CORPORATION SHAREHOLDERS ACCOUNT PARTICULARS STATEMENT 20 (Rs. Lakh) OPERATING PROFIT/(LOSS) (a) Fire Insurance (23031) 6047 (b) Marine Insurance (19197) (8132) (c) Miscellaneous Insurance (d) Life Insurance INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments Less: Loss on sale of investments OTHER INCOME TOTAL (A) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (945) (1339) (c) Others OTHER EXPENSES (a) Expenses other than those related Insurance business (b) Bad debts written off (c) Others 7664 TOTAL (B) Profit before Tax Provision for Taxation Profit after Tax APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or other Accounts (e) Transfer to General Reserve (f) Balance of Profit / Loss B/f from last year 5 2 (g) Balance c/f to Balance Sheet 1 5 Note : Figure in brackets indicate negative values 112 Statements (Final) 74...

129 ANNUAL REPORT GENERAL INSURANCE CORPORATION BALANCE SHEET (As on 31st March) SOURCES OF FUNDS STATEMENT 21 (Rs. Lakh) Share Capital Reserves & Surplus Fair Value Change Account Borrowings Deferred Tax Liability TOTAL APPLICATION OF FUNDS Investments Loans Fixed Assets Deferred Tax Asset CURRENT ASSETS Cash & Bank Balance Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) Net Current Assets (C)= (A-B) (840321) (800301) Misc. Expenditure (to the extent not written off or adjusted) Profit & Loss Account (Debit Balance) TOTAL Note : Figure in brackets indicate negative values 113 Statements (Final) 74...

130 ANNUAL REPORT POLICY HOLDERS ACCOUNT : EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD PARTICULARS Premiums earned (Net) Profit/ Loss on sale/redemption of Investments 1 0 STATEMENT 22 (Rs. Lakh) Others Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) (1598) Commission (3408) (17) Operating Expenses related to Insurance Business Others- Amortizations, Write offs & Provisions Foreign Taxes TOTAL (B) Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C= (A - B) APPROPRIATIONS Transfer to Shareholders Account Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) Note : Figure in brackets indicate negative values 114 Statements (Final) 74...

131 ANNUAL REPORT SHAREHOLDERS ACCOUNT : EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD PARTICULARS STATEMENT 23 (Rs. Lakh) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments 1 0 Less: Loss on sale of investments OTHER INCOME TOTAL (A) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts (c) Others OTHER EXPENSES (a) Expenses other than those related to Insurance Business (b) Bad debts written off (c) Others 44 TOTAL (B) 44 Profit Before Tax Provision for Taxation Prior Period Adjustments 371 (704) Profit after Tax APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend (c) Dividend distribution tax (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Balance of Profit / Loss B/f from last year 2 2 Balance C/f to Balance Sheet 1 2 Note : Figure in brackets indicate negative values 115 Statements (Final) 74...

132 ANNUAL REPORT BALANCE SHEET : EXPORT CREDIT GUARANTEE CORPORATION OF INDIA LTD (As on 31st March) SOURCES OF FUNDS Share Capital STATEMENT 24 (Rs. Lakh) Reserves & Surplus Fair Value Change Account Borrowings 848 Deferred Tax Liability TOTAL APPLICATION OF FUNDS Investments Loans ,487 Fixed Assets CURRENT ASSETS Cash & Bank Balance Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) Net Current Assets (C)= (A-B) Deferred Tax Assets Misc. Expenditure (to the extent not written off or adjusted) 1518 Profit & Loss Account (Debit Balance) TOTAL Statements (Final) 74...

133 ANNUAL REPORT POLICYHOLDERS ACCOUNT : AGRICULTURE INSURANCE COMPANY OF INDIA LTD PARTICULARS STATEMENT 25 (Rs. Lakh) Premiums earned (Net) Profit/ Loss on sale/redemption of Investments 56 4 Others Interest, Dividend & Rent Gross TOTAL (A) Claims Incurred (Net) Commission (2194) (0) Operating Expenses related to Insurance Business Others- Amortizations, Write offs & Provisions Foreign Taxes TOTAL (B) Operating Profit/(Loss) from Fire/Marine/Miscellaneous Business C = (A - B) APPROPRIATIONS Transfer to Shareholders Account Transfer to Catastrophe Reserve Transfer to Other Reserves TOTAL (C ) Note : Figure in brackets indicate negative values 117 Statements (Final) 74...

134 ANNUAL REPORT SHAREHOLDERS ACCOUNT : AGRICULTURE INSURANCE COMPANY OF INDIA LTD PARTICULARS STATEMENT 26 (Rs. Lakh) (a) Fire Insurance (b) Marine Insurance (c) Miscellaneous Insurance INCOME FROM INVESTMENTS (a) Interest, Dividend & Rent Gross (b) Profit on sale of investments 23 2 Less: Loss on sale of investments OTHER INCOME TOTAL (A) PROVISIONS (Other than taxation) (a) For diminution in the value of investments (b) For doubtful debts 19 (c) Others OTHER EXPENSES (a) Expenses other than those related to Insurance Business 4 (b) Bad debts written off (c) Others 0 91 TOTAL (B) Profit Before Tax Provision for Taxation Profit after Tax APPROPRIATIONS (a) Interim dividends paid during the year (b) Proposed final dividend 2000 (c) Dividend distribution tax 340 (d) Transfer to any Reserves or Other Accounts Transfer to General Reserve Balance of Profit / Loss B/f from last year Balance C/f to Balance Sheet Note : Figure in brackets indicate negative values 118 Statements (Final) 74...

135 ANNUAL REPORT BALANCE SHEET : AGRICULTURE INSURANCE COMPANY OF INDIA LTD (As on 31st March) PARTICULARS Share Capital STATEMENT 27 (Rs. Lakh) Reserves & Surplus Fair Value Change Account Borrowings TOTAL APPLICATION OF FUNDS Investments Loans Fixed Assets Deferred Tax Assets 343 CURRENT ASSETS Cash & Bank Balance Advances and Other Assets Sub-Total (A) CURRENT LIABILITIES Provisions Sub-Total (B) Net Current Assets (C)= (A-B) (36004) (31145) Misc. Expenditure (to the extent not written off or adjusted) Profit & Loss Account (Debit Balance) TOTAL Note : Figure in brackets indicate negative values 119 Statements (Final) 74...

136 ANNUAL REPORT NET RETENTIONS OF THE NON-LIFE INDIAN MARKET Segment Retentions within the country (Per cent) STATEMENT 28 Fire Marine Cargo Marine Hull Motor Engineering Aviation Miscellaneous Total Statements (Final) 74...

137 Statements (Final) GROSS DIRECT PREMIUM INCOME IN INDIA STATEMENT 29 (Rs. Lakh) Fire Marine Motor Health Others TOTAL Company NATIONAL NEW INDIA ORIENTAL UNITED Sub-Total BAJAJ ALLIANZ CHOLAMANDALAM FUTURE GENERALI HDFC CHUBB ANNUAL REPORT ICICI LOMBARD IFFCO-TOKIO RELIANCE ROYAL SUNDARAM TATA AIG UNIVERSAL SOMPO Sub-Total Grand Total

138 Statements (Final) NET PREMIUM INCOME (Earned) STATEMENT 30 (Rs. Lakh) Fire Marine Motor Health Others TOTAL Company NATIONAL NEW INDIA , ORIENTAL UNITED Sub-Total BAJAJ ALLIANZ CHOLAMANDALAM FUTURE GENERALI (148) (15) (129) HDFC CHUBB ICICI LOMBARD ANNUAL REPORT IFFCO TOKIO RELIANCE ROYAL SUNDARAM TATA AIG UNIVERSAL SOMPO (43) (43) Sub-Total Grand Total

139 Statements (Final) UNDERWRITING EXPERIENCE AND PROFITS OF PUBLIC SECTOR COMPANIES NEW INDIA ORIENTAL NATIONAL UNITED TOTAL STATEMENT 31 (Rs.lakh) NET PREMIUM Incurred Claims (Net) % 76.68% 90.40% 81.91% 89.05% 83.85% 87.00% 84.68% 87.47% 80.97% 123 COMMISSION, EXPENSES OF MANAGEMENT % 32.48% 33.17% 29.65% 34.55% 32.20% 36.42% 38.04% 33.07% 32.87% INCREASE IN RESERVE FOR UNEXPIRED RISK % 4.56% 0.08% 6.56% 5.32% 3.07% 6.20% 6.18% 3.27% 4.99% UNDERWRITING PROFIT/LOSS (84439) (65198) (68095) (52194) (92190) (54617) (85335) (73104) (330059) (245112) % % % % % % % % % % GROSS INVESTMENT INCOME ANNUAL REPORT OTHER INCOME LESS OTHER OUTGO (1986) (853) (8696) (5280) (6576) (6288) (15292) (11337) PROFIT BEFORE TAX INCOME TAX DEDUCTED AT SOURCE AND PROVISION FOR TAX (852) NET PROFIT AFTER TAX Figures in bracket indicates negative amounts

140 Statements (Final) UNDERWRITING EXPERIENCE AND PROFIT OF PRIVATE SECTOR COMPANIES STATEMENT 32 (Rs. Lakh) PARTICULARS ROYAL BAJAJ TATA AIG RELIANCE IFFCO TOKIO ICICI-LOMBARD CHOLAMANDALAM HDFC CHUBB FUTURETOTAL UNIVERSAL TOTAL SUNDARAM ALLIANZ GENERALI SOMPO NET PREMIUM (43) CLAIMS INCURRED (NET) % 52.30% 53.96% 53.44% 46.77% 49.81% 56.13% 34.34% 68.42% 68.66% 69.02% 56.10% 48.47% 44.43% 68.49% 60.12% 31.41% -0.26% 59.31% 53.56% COMMISSION, EXPENSES OF MANAGEMENT % 34.77% 28.57% 25.66% 43.65% 43.58% 36.14% 20.16% 26.72% 28.05% 23.86% 21.25% 34.09% 36.63% 41.52% 51.68% % % 31.19% 27.46% 124 INCREASE IN RESERVE FOR UNEXPIRED RISK (718) % 14.37% 19.24% 19.35% 14.05% 8.22% 28.22% 51.57% 13.29% 5.68% 11.94% 26.48% 22.51% 20.08% 10.46% -5.39% % -1.74% 17.87% 21.26% UNDERWRITING PROFIT/LOSS (4291) (559) (3098) 1615 (2357) (669) (27406) (3062) (6219) (1387) (8573) (5545) (1626) (183) (3430) (853) (2121) (769) (59890) (10642) -9.62% -1.67% -2.19% 1.93% -5.19% -1.75% % % -9.72% -2.53% -5.47% -5.20% -6.53% -1.43% % -6.77% % % % -2.89% GROSS INVESTMENT INCOME ANNUAL REPORT OTHER INCOME LESS OTHER OUTGO-34 (11) (76) (852) (33) 37 (12) 313 (359) (123) (151) PROFIT BEFORE TAX (16284) (1677) 250 (1701) (39) INCOME TAX DEDUCTED AT SOURCE AND PROVISION FOR TAX (9) NET PROFIT AFTER TAX (16555) (1700) 200 (1709) (30) Note: Figure in brackets indicate negative amounts

141 Statements (Final) INCURRED CLAIMS RATIO-PUBLIC SECTOR STATEMENT 33 PARTICULARS Net Earned Premium Claims Incurred (Net) Incurred Claims Ratio Fire Marine Motor Health Others Fire Marine Motor Health Others Fire Marine Motor Health Others (Rs. Lakh) (Rs.Lakh) (Per cent) NATIONAL NEW INDIA ORIENTAL UNITED TOTAL ANNUAL REPORT

142 STATEMENT 34 ANNUAL REPORT Statements (Final) 74...

143 ANNUAL REPORT STATE0MENT 35 EQUITY SHARE CAPITAL OF INSURANCE COMPANIES (As on 31st March) (Rs. Crore) Name of the insurer 2007 Infusion 2008 Indian Foreign FDI (%) During the Promoter Promoter year Life Insurers AVIVA India Life Insurance Co. Pvt. Ltd % Bajaj Allianz Life Insurance Co. Ltd % Bharti AXA Life Insurance Co.Ltd % Birla Sun Life Insurance Co. Ltd % Future Generali Life Insurance Co.Ltd.* % HDFC Standard Life Insurance Co. Ltd % ICICI-Prudential Life Insurance Co. Ltd % IDBI Fortis Life Insurance Co.Ltd.* % ING Vysya Life Insurance Co. Ltd % Kotak Mahindra Old Mutual Life Insurance Co. Ltd % Max New York Life Insurance Co. Ltd % Metlife India Insurance Co. Pvt. Ltd % Reliance Life Insurance Co. Ltd % Sahara India Life Insurance Co. Ltd % SBI Life Insurance Co. Ltd % Shriram Life Insurance Co.Ltd % TATA-AIG Life Insurance Co. Ltd % Sub Total (Private Sector) % Life Insurance Corporation of India Total (Life) % Non life insurers Bajaj Allianz General Insurance Co % Cholamandalam MS General Insurance Co. Ltd % Future Generlai Insurance Co.Ltd.* % HDFC Chubb General Insurance Co % ICICI Lombard General Insurance Co % IFFCO-TOKIO General Insurance Co % Reliance General Insurance Co. Ltd % Royal Sundaram Alliance Insurance Co. Ltd % TATA AIG General Insurance Co. Ltd % Universal Sompo Insurance Co.Ltd.* % Sub Total (Private Sector) % National Insurance Co. Ltd % The New India Assurance Co. Ltd % The Oriental Insurance Co.Ltd % United India Insurance Co. Ltd % Sub Total (Public Sector) % Total (Non Life) % Agriculture Insurance Company of India % Apollo DKV Insurance Co.Ltd.* % Export Credit Guarantee Corporation % General Insurance Corporation of India % Star Health & Allied Insurance Co.Ltd % GRAND TOTAL % Note : * Insurers have commenced operations in Statements (Final) 74...

144 ANNUAL REPORT FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES STATE0MENT 36 Sl. No. Processing Fee Registration Fee Renewal Fee Periodicity of Renewal 1 Insurers (Life/Non Rs. 50,000 1/10th of 1 per cent of life/ Reinsurance Gross Direct Premium written in India subject to minimum of Rs. 50,000 and maximum of Rs. 5 crore Third Party Administrators Brokers Direct Broker Reinsurance Broker Composite Broker Surveyors and Loss Assessors Individual Category Rs. 20,000 A B C Rs. 30,000 Application Fee: Rs. 20,000 Renewal Fee: Rs. 1,000 Application Fee: Rs. 25,000 Renewal Fee: Rs. 1,000 Application Fee: Rs.40,000 Renewal Fee: Rs. 1,000 Rs.10,000 Rs. 7,500 Rs. 5,000 Rs. 30,000 A sum calculated at the rate of 0.50 per cent of remuneration earned in the preceding financial year subject to minimum of Rs. 25,000 and maximum of Rs. 1,00,000 A sum calculated at the rate of 0.50 per cent of remuneration earned in the preceding financial year subject to minimum of Rs. 75,000 and maximum of Rs. 3,00,000 A sum calculated at the rate of 0.50 per cent of remuneration earned in the preceding financial year subject to minimum of Rs. 1,25,000 and maximum of Rs. 5,00,000 Rs. 200 for every category Every year (by 31st December) 3 years 3 year 3 years 3 years 5 years Corporate Category A B C Rs. 25,000 Rs. 20,000 Rs. 15,000 Rs. 200 for every category 5 years 5 Corporate Agents Rs. 250 for corporate insurance executive Rs. 500 for specified person Rs years 128 Statements (Final) 74...

145 Statements (Final) FUND WISE PATTERN OF INVESTMENTS OF LIFE INSURERS (AS ON 31ST MARCH) LIFE FUND STATEMENT 37 (Rs. Crore) INSURER NAME C Govt-Sec State Govt & Other Infrastructure Investment Other than Total Approved Sec. Investments Subject Exposure Approved (Life Fund) C. Govt-Sec Norms (Incl OTAI) Investments (OTAI) 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 Life Insurance Corporation of India TOTAL PUBLIC SECTOR (A) HDFC Standard Life Insurance Company Ltd Max New York Life Insurance Co Ltd ICICI Prudential Life Insurance Company Limited Birla Sunlife Insurance Co Ltd TATA AIG Life Insurane Co Ltd Kotak Mahindra Life Insurance Ltd SBI Life Insurance Co. Ltd Bajaj Allianz Life Insurance Co Ltd MetLife India Insurance Company Limited Reliance Life Insurance Co Ltd ING Vysya Life Insurance Co Ltd AVIVA Life Insurance Co Ltd Sahara Life Insurance Company Limited Sriram Life Insurance Bharti AXA Life Insurance Co. Ltd IDBI Fortis Life Insurance Co Ltd Future Generali India Life Insurance Co. Ltd TOTAL PRIVATE SECTOR (B) INDUSTRY TOTAL (A+B) Note: Contd The figure filed by LIC are based on provisional Returns ANNUAL REPORT

146 Statements (Final) (Rs. Crore) PENSION & GENERAL ANNUITY FUND INSURER NAME C Govt-Sec State Govt & Other Investment Total Approved Sec. Incl Subject to Exposure (Pension Fund) C. Govt-Sec Norms 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 Life Insurance Corporation of India TOTAL PUBLIC SECTOR (A) HDFC Standard Life Insurance Company Ltd Max New York Life Insurance Co Ltd ICICI Prudential Life Insurance Company Limited Birla Sunlife Insurance Co Ltd TATA AIG Life Insurane Co Ltd Kotak Mahindra Life Insurance Ltd SBI Life Insurance Co. Ltd Bajaj Allianz Life Insurance Co Ltd MetLife India Insurance Company Limited Reliance Life Insurance Co Ltd ING Vysya Life Insurance Co Ltd AVIVA Life Insurance Co Ltd Sahara Life Insurance Company Limited Sriram Life Insurance Bharti AXA Life Insurance Co. Ltd IDBI Fortis Life Insurance Co Ltd Future Generali India Life Insurance Co. Ltd TOTAL PRIVATE SECTOR (B) INDUSTRY TOTAL (A+B) ANNUAL REPORT Note: Contd The figure filed by LIC are based on provisional Returns

147 Statements (Final) (Rs. Crore) Group excluding Group Pension and Annuity Fund INSURER NAME C Govt-Sec State Govt & Other Investment Total Approved Sec. Incl Subject to Exposure (Group Funds) C. Govt-Sec Norms 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 Life Insurance Corporation of India TOTAL PUBLIC SECTOR (A) HDFC Standard Life Insurance Company Ltd Max New York Life Insurance Co Ltd ICICI Prudential Life Insurance Company Limited Birla Sunlife Insurance Co Ltd TATA AIG Life Insurane Co Ltd Kotak Mahindra Life Insurance Ltd SBI Life Insurance Co. Ltd Bajaj Allianz Life Insurance Co Ltd MetLife India Insurance Company Limited Reliance Life Insurance Co Ltd ING Vysya Life Insurance Co Ltd AVIVA Life Insurance Co Ltd ANNUAL REPORT Sahara Life Insurance Company Limited Sriram Life Insurance Bharti AXA Life Insurance Co. Ltd IDBI Fortis Life Insurance Co Ltd Future Generali India Life Insurance Co. Ltd TOTAL PRIVATE SECTOR (B) INDUSTRY TOTAL (A+B) Note: Contd The figure filed by LIC are based on provisional Returns

148 Statements (Final) Unit Linked Fund INSURER NAME Approved Other than Approved Total Total Investments Investments (OTAI) (ULIP Funds) (All Funds) (Rs. Crore) 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 31-Mar Mar07 Life Insurance Corporation of India TOTAL PUBLIC SECTOR (A) HDFC Standard Life Insurance Company Ltd Max New York Life Insurance Co Ltd ICICI Prudential Life Insurance Company Limited Birla Sunlife Insurance Co Ltd TATA AIG Life Insurane Co Ltd Kotak Mahindra Life Insurance Ltd SBI Life Insurance Co. Ltd Bajaj Allianz Life Insurance Co Ltd MetLife India Insurance Company Limited Reliance Life Insurance Co Ltd ING Vysya Life Insurance Co Ltd AVIVA Life Insurance Co Ltd Sahara Life Insurance Company Limited Sriram Life Insurance Bharti AXA Life Insurance Co. Ltd IDBI Fortis Life Insurance Co Ltd Future Generali India Life Insurance Co. Ltd TOTAL PRIVATE SECTOR (B) INDUSTRY TOTAL (A+B) ANNUAL REPORT Note: 1. The figure filed by LIC are based on provisional Returns

149 Statements (Final) NON-LIFE INSURANCE INVESTMENTS AS AT STATEMENT 38 (Rs.Crore) Insurer Name C Govt-Sec State Govt & Other Loans to Housing Infrastructure Investment Subject Other than Total Approved Sec. and Fire Fighting Investments Exposure Norms Approved Investments Incl. C Gov-Sec Equipments (Incl OTAI) Investments (OTAI) 31-Mar 31-Mar 31-Mar08 31-Mar07 31-Mar 31-Mar 31-Mar 31-Mar 31-Mar08 31-Mar07 31-Mar08 31-Mar07 31-Mar0831-Mar07 GIC of India The New India Assurance Compny Ltd National Insurnace Co. Ltd United India Insurance Co Ltd The Oriental Insurane Co Ltd PUBLIC SECTOR (A) Reliance General Insurance Co Ltd Royal Sundaram Alliance Insurance Co Ltd Iffco - Tokio General Insurance Co. Ltd TATA-AIG General Insurance Co Ltd Bajaj Allianz General Insurance Co Ltd ANNUAL REPORT ICICI Lombard General Insurance Co Ltd Star Health and Allied Insurance Co Ltd Cholamandalam MS General Insurance Co Ltd HDFC Eego General Insurance Co Ltd Universal Sompo General Insurance Co Ltd Future Generali Inida Insurance Co Ltd Apollo DKV Insurance Co Ltd PRIVATE SECTOR (B) TOTAL (A+B)

150 ANNUAL REPORT STATUS OF GRIEVANCES - LIFE INSURERS ( ) Sl.No. Insurer Reported Resolved Pendng as on 31st during the year during the year March, AVIVA BAJAJ ALLIANZ BHARTI AXA STATEMENT 39 4 BSLI FUTURE GENERALI HDFC STD LIFE ICICI PRU ING VYSYA KOTAK MAHENDRA LIC MNYL METLIFE RELIANCE LIFE SAHARA LIFE SBI LIFE SRIRAM LIFE TATA AIG Total Statements (Final) 74...

151 ANNUAL REPORT STATUS OF GRIEVANCES NON-LIFE INSURERS ( ) STATEMENT 40 Sl.NO INSURER PENDING REPORTED RESOLVED PENDING BREAK UP AS ON 31- DURING DURING AS ON 31- ACCORDING MARCH, 2007 THE YEAR THE YEAR MARCH, 2008 TO NATURE OF GRIEVANCE (i) (ii) (iii) (iv) 1 ORIENTAL NEW INDIA UNITED NATIONAL ECGC BAJAJ ALLIANZ TATA AIG ROYAL SUNDRAM IFFCO TOKIA RELIANCE CHOLAMANDALAM ICICI LOMBARD HDFC GENERAL AIC TOTAL (i) POLICY RELATED ISSUES (II) NON SETTLEMENT / DELAY IN SETTLEMENT OF CLAIM (III) REPUDIATION / PARTIAL SETTLEMENT OF CLAIM (IV) OTHER REASONS 135 Statements (Final) 74...

152 ANNUAL REPORT STATEMENT 41 STATUS OF GRIEVANCES NON-LIFE INSURERS (HALF YEAR ENDED SEPTEMBER, 2008) Sl.NO INSURER PENDING REPORTED RESOLVED PENDING BREAK UP AS ON 31- DURING DURING AS ON 30- ACCORDING MARCH, 2008 THE YEAR THE YEAR SEP, 2008 TO NATURE OF GRIEVANCE (i) (ii) (iii) (iv) 1 ORIENTAL NEW INDIA UNITED NATIONAL ECGC BAJAJ ALLIANZ TATA AIG ROYAL SUNDRAM IFFCO TOKIO RELIANCE CHOLAMANDALAM ICICI LOMBARD HDFC GENERAL AIC STAR HEALTH APOLLO DKV HEALTH FUTURE GENERALI UNIVERSAL SOMPO SHRIRAM BHARTI AXA TOTAL (i) POLICY RELATED ISSUES (II) NON SETTLEMENT / DELAY IN SETTLEMENT OF CLAIM (III) REPUDIATION / PARTIAL SETTLEMENT OF CLAIM (IV) OTHER REASONS 136 Statements (Final) 74...

153 ANNUAL REPORT THIRD PARTY ADMINISTRATORS - CLAIMS DATA : STATEMENT 42 Sl.No. Name of TPA No.of No.of Claims Settled Claims Within Within Within 3-6 More than Received 1 month 1-3 months months 6 months 1 Parekh Health Management (66.34) (25.11) (1.12) (0.09) 2 Medi Assist India Private Ltd (56.16) (27.14) (3.88) (1.12) 3 MD India Healthcare Services (P) Ltd Nill (85.56) (2.17) (0.38) 4 Paramount Health Services Pvt. Ltd (98.15) (2.58) (0.18) (0.03) 5 E Meditek Solutions Ltd Nill (87.08) (7.45) (2.28) 0 6 Heritage Health Services (58.14) (31.89) (5.84) (0.76) 7 Universal Mediaid Services Ltd Nill (69.40) (23.94) (9.50) 8 Medicare TPA Services (I) Pvt. Ltd (67.00) (11.41) (0.24) (0.09) 9 Family Health Plan Ltd Nill Nill (68.28) (28.38) 10 Raksha TPA Pvt. Ltd Nill (80.40) (11.32) (2.63) 11 TTK Healthcare Services Ltd (85.18) (7.80) (1.33) (1.03) 12 East West Assist Pvt. Ltd (58.50) (18.21) (2.97) (0.38) 13 Med Save Health Care Ltd (51.11) (31.18) (3.57) (0.32) 14 Genins India Ltd (67.87) (22.66) (9.22) (1.77) 15 Alankit Healthcare (64.36) (32.36) (13.35) (8.13) 16 $ Health India TPA Services Pvt. Ltd Nill (75.06) (18.28) (2.95) 17 Good Health Plan Ltd Nill (89.78) (0.04) (0.01) 18 Vipul Medcrop Pvt. Ltd (29.73) (39.43) (12.34) (5.46) 19 Park Mediclaim Consultants Pvt. Ltd (56.23) (31.63) (2.93) (0.57) 20 Safeway Mediclaim Services Nill (59.81) (11.00) (0.96) 21 Anmol Medicare Ltd Nill Nill (22.22) (22.22) 22 Dedicated Healthcare Services (India) Nill Private Limited (71.60) (8.51) (2.17) 23 Grand Healthcare India Pvt. Ltd. Nill Rothshield Healthcare Nill Sri Gokulam Nill Focus Healthcare Pvt. Ltd Nill Anyuta Medinet Healthcare Pvt. Ltd. Nill TOTAL (76.17) (15.24) (2.46) (0.64) Note: Figure in brackets indicate the ratio (in per cent) of claims to the total claims received. $ Formarly known as Bhaichand Amoluk Ins. Services Pvt. Ltd. 137 Statements (Final) 74...

154 Statements (Final) PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES Complaints Disposal for the year ending 31st March, 2008 (Life insurance Combined) STATEMENT 43 Ombudsman O/S as Received Total No. of complaints disposed Duration wise Duration wise Centre on during the by way of Disposal Oustanding year Total Total Total Ahmedabad Bhopal Bubaneswar Chandigarh Chennai Delhi Guwahati Hyderabad Kochi Kolkata ANNUAL REPORT Lucknow Mumbai TOTAL Recommendations 6 Not Entertainable 2 Awards 7 Within 3 months 3 Withdrawal/Settlement 8 3 months to 1 year 4 Non-acceptance 9 Above 1 year 5 Dismissal

155 Statements (Final) PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES Complaints Disposal for the year ending 31st March, 2008: Non-life Insurance STATEMENT 44 Ombudsman O/S as Received Total No. of complaints disposed Duration wise Duration wise Centre on during the off by way of Disposal Oustanding year Total Total Total Ahmedabad Bhopal Bubaneswar Chandigarh Chennai Delhi Guwahati Hyderabad Kochi Kolkata Lucknow ANNUAL REPORT Mumbai TOTAL Recommendations 6 Not Entertainable 2 Awards 7 Within 3 months 3 Withdrawal/Settlement 8 3 months to 1 year 4 Non-acceptance 9 Above 1 year 5 Dismissal

156 Statements (Final) PERFORMANCE OF OMBUDSMEN AT DIFFERENT CENTRES Complaints Disposal for the year ending 31st March, 2008 (Life & Non-life insurance Combined) STATEMENT 45 Ombudsman O/S as Received Total No. of complaints disposed Duration wise Duration wise Centre on during the off by way of Disposal Oustanding year Total Total Total Ahmedabad Bhopal Bubaneswar Chandigarh Chennai Delhi Guwahati Hyderabad Kochi Kolkata Lucknow Mumbai ANNUAL REPORT TOTAL Recommendations 6 Not Entertainable 2 Awards 7 Within 3 months 3 Withdrawal/Settlement 8 3 months to 1 year 4 Non-acceptance 9 Above 1 year 5 Dismissal

157 ANNUAL REPORT FIRST YEAR (INCLUDING SINGLE PREMIUM) LIFE INSURANCE PREMIUM STATEMENT 46 (Rs. Crore) INSURER LIC (101.93) (-18.44) (8.58) (19.05) (38.07) (97.17) (6.71) AVIVA BAJAJ ALLIANZ BHARTI AXA BSLI FUTURE GENERALI LIFE 2.49 HDFC STD LIFE ICICI PRU IDBI FORTIS ING VYSYA KOTAK LIFE MET LIFE MNYL RELIANCE LIFE SAHARA SBI LIFE SHRIRAM LIFE TATA AIG PRIVATE SECTOR ( ) (259.65) (152.74) (127.99) (84.55) (88.84) (73.56) TOTAL (104.56) (-14.68) (16.80) (32.49) (47.94) (94.96) (23.88) Note: 1) Figure in the brackets represent the growth over the previous year in percent. 2) represents business not started. 3) 1 Crore = 10 Million 141 Statements (Final) 74...

158 ANNUAL REPORT TOTAL LIFE INSURANCE PREMIUM STATEMENT 47 (Rs. Crore) INSURER LIC (42.79) (9.65) (16.30) (18.25) (20.85) (40.79) (17.19) AVIVA BAJAJ ALLIANZ BHARTI AXA BSLI FUTURE GENERALI LIFE 2.49 HDFC STD LIFE ICICI PRU IDBI FORTIS ING VYSYA KOTAK LIFE MET LIFE MNYL RELIANCE LIFE SAHARA SBI LIFE SHRIRAM LIFE TATA AIG PRIVATE SECTOR ( ) (310.59) (178.83) (147.65) (95.19) (87.08) (82.50) TOTAL (43.54) (11.28) (19.56) (24.31) (27.78) (47.38) (29.01) Note: 1) Figure in the bracket represent the growth over the previous year in percent. 2) represents business not started. 3) 1 Crore = 10 Million 142 Statements (Final) 74...

159 ANNUAL REPORT GROSS DIRECT PREMIUM OF NON-LIFE INSURANCE (WITHIN & OUTSIDE INDIA) STATEMENT 48 (Rs. Crore) INSURER NATIONAL NEW INDIA ORIENTAL UNITED PUBLIC SECTOR (13.59) (13.45) (5.65) (4.65) (6.87) (8.18) (3.07) ROYAL SUNDARAM RELIANCE IFFCO-TOKIO TATA AIG ICICI LOMBARD BAJAJ ALLIANZ CHOLAMANDALAM HDFC CHUBB FUTURE GENERALI 9.81 UNIVERSAL SOMPO 0.48 PRIVATE SECTOR ( ) (188.64) (67.27) (55.35) (52.89) (61.24) (27.12) TOTAL (17.97) (20.06) (11.25) (11.57) (15.62) (21.51) (11.09) ECGC STAR HEALTH APOLLO DKV 2.97 AIC Note: 1) Figure in the bracket represent the growth over the previous year in percent. 2) represents business not started. 3) 1 Crore = 10 Million 143 Statements (Final) 74...

160 Statements (Final) INDIVIDUAL BUSINESS (WITHIN INDIA) Business in force (Number of policies) Non-Linked Business STATEMENT 49 (In 000) INSURER Life Business General Annuity and Pension Business Health Linked Total Business Business Business Business Business Business Business Inforce as Inforce as Inforce as Inforce as Inforce as Inforce as Inforce as at Additions* Deletions** at at Additions* Deletions** at at at at AVIVA Life Bajaj AZ Life Bharti AXA Life Birla Sun Life Future Generali Life HDFC Std Life ICICI Pru Life IDBI Fortis Life ING Vysya Life Kotak OM Life LIC Max NY Life Met Life Reliance Life Sahara Life SBI Life Shriram Life TATA AIG Life TOTAL ANNUAL REPORT * Includes New policies issued, Old policies reinstated/revived. ** Includes Policy terminations by death, maturity,lapse,surrenders or cancellatons. # Excluding linked Health Business, If any. Source of Data: Actuarial Report and Abstract as on of the life insurers.

161 Statements (Final) INDIVIDUAL BUSINESS (WITHIN INDIA) Business in force (Sum Assured) Non-Linked Business STATEMENT 50 (Rs. Crore) INSURER Life Business General Annuity and Pension Business Health Linked Total Business Business Business Business Business Business # Business Inforce as Inforce as Inforce as Inforce as Inforce as Inforce as Inforce as at Additions* Deletions** at Additions* Deletions** at at at at AVIVA Life Bajaj AZ Life Bharti AXA Life Birla Sun Life Future Generali Life HDFC Std Life ICICI Pru Life IDBI Fortis Life ING Vysya Life Kotak OM Life LIC Max NY Life Met Life Reliance Life Sahara Life SBI Life Shriram Life TATA AIG Life Total ANNUAL REPORT * Includes New policies issued, Old policies reinstated/revived, bonus additions. ** Includes Policy terminations by death, maturity,lapse,surrenders or cancellatons. # Excluding linked Health Business, If any. Source of Data: Actuarial Report and Abstract as on of the life insurers.

162 ANNUAL REPORT SOLVENCY RATION OF LIFE INSURERS IN INDIA (As on 31st March) S.No. Name of the Life Insurer STATEMENT 51 1 BAJAJ ALLIANZ LIFE INS. CO. LTD RELIANCE LIFE INSURANCE CO. LTD BIRLA SUN LIFE INS. CO. LTD AVIVA LIFE INS. CO. PVT. LTD HDFC STANDARD LIFE INS. CO. LTD ICICI PRUDENTIAL LIFE INS. CO. LTD ING VYSYA LIFE INS. CO. LTD LIC OF INDIA MAX NEW YORK LIFE INS. CO. LTD METLIFE INDIA INS. CO. PVT. LTD OM KOTAK MAHINDRA LIFE INS.CO. LTD SBI LIFE INS. CO. LTD TATA AIG LIFE INS.CO. LTD SAHARA INDIA LIFE INS. CO. LTD SHRIRAM LIFE INS. CO. LTD BHARTI AXA LIFE INS. CO. LTD FUTURE GENERALI INDIA LIFE INS. CO. LTD IDBI FORTIS LIFE INS. CO. LTD * Source of the data - Actuarial Report and Abstract as on Statements (Final) 74...

163 ANNUAL REPORT SOLVENCY RATIOS OF NON-LIFE INSURERS (As on 31st March) STATEMENT 52 Insurer PRIVATE BAJAJ ALLIANZ CHOLAMANDALAM HDFC CHUBB ICICI LOMBARD IFFCO TOKIO RELIANCE ROYAL SUNDARAM TATA AIG FUTURE GENERALI UNIVERSAL SOMPO PUBLIC NEW INDIA UNITED ORIENTAL NATIONAL SPECIALIZED INSURER ECGC STAR HEALTH APOLLO DKV AIC GIC Statements (Final) 74...

164 Statements (Final) INDIVIDUAL BUSINESS (WITHIN INDIA) - DETAILS OF FOREFEITURE / LAPSE POLICIES IN RESPECT OF NON-LINKED BUSINESS STATEMENT 53 Description Bajaj AZ Reliance AVIVABirla Sun HDFC ICICI Pru ING Vysya LIC Max NY Met Kotak SBI TATA Sahara Shriram Bharti Future IDBI Life Life Life Life Std Life Life Life Life Life OM Life Life AIG Life Life Life AXA Life Generali Fortis Life Life Number of policies in NA NA NA Sum Assured Rs. Crores NA NA NA Number of policies in NA NA Sum Assured Rs. Crores NA NA Number of policies in Sum Assured Rs. Crores Lapse Ratio (Based on number of policies) During % 35% 57% 4% 4% 26% 17% 4% 25% 34% 17% 19% 26% 21% 24% 0% NA NA During % 21% 80% 6% 4% 40% 17% 6% 17% 24% 17% 16% 35% 24% 55% 45% 0% 0% ANNUAL REPORT * Includes Non-Linked Health Business, if any. A policy is treated as lapsed if the premium is not paid within a period ranging from 15 to 60 days. Lapse Ratio during the year = Lapses (including forfeitures) during the year/arithmetic Mean of the business inforce at the beginning and at the end of the year Source of Data: Actuarial Report and Abstract as on / / of the life insurers.

165 Statements (Final) INDIVIDUAL NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR CHANNEL WISE STATEMENT 54 (Premium in Rs Crore) (Policies in nos.) Individual Agents Corporate Agents Brokers Direct Selling Total Individual New Referrals Business Life Insurer Banks Others* Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Policies Premium Aviva** (52.58) (30.45) (6.23) (8.70) (0.28) (0.16) (3.89) (4.16) (37.02) (56.53) (36.99) (55.69) Bajaj Allianz (54.20) (64.07) (2.26) (3.33) (38.80) (26.63) (0.63) (0.61) (4.12) (5.36) (2.86) (4.16) Bharti Axa (54.57) (55.78) (0.90) (0.86) - - (4.99) (7.12) (39.54) (36.25) - - Birla Sunlife (85.54) (64.96) (6.40) (27.98) (2.77) (2.79) (5.27) (4.26) (0.01) (0.01) (0.66) (0.50) Future Generali (58.50) (42.69) (6.00) (2.63) (35.50) (54.68) - - HDFC Std (70.31) (54.89) (21.61) (40.53) (1.32) (1.07) (0.41) (0.31) (6.36) (3.20) (0.92) (0.68) ICICI Pru (58.38) (64.29) (8.79) (17.79) (9.31) (9.33) (0.91) (1.16) (22.61) (7.42) (19.93) (4.02) IDBI Fortis (38.00) (21.42) (61.87) (78.47) - - (0.13) (0.11) ING Vysya (74.57) (74.66) (11.02) (9.82) (4.44) (4.49) (0.16) (0.25) (9.80) (10.78) (9.80) (10.79) Kotak Mahindra (44.52) (48.79) (10.23) (21.20) (34.16) (19.80) (6.10) (5.95) (4.99) (4.26) (0.38) (0.30) Max NewYork (58.20) (63.49) (4.11) (6.11) (34.29) (26.73) (0.58) (0.97) (2.82) (2.69) (0.44) (0.52) MetLife (49.89) (39.55) (42.70) (57.73) (5.36) (0.85) (2.05) (1.87) - - (23.61) (33.36) Reliance Life (52.87) (55.82) (0.16) (0.16) (6.66) (5.78) (2.57) (2.56) (37.74) (35.68) (35.23) (33.17) Sahara (99.90) (99.48) - - (0.10) (0.52) SBI Life (60.48) (57.32) (37.96) (41.96) (1.32) (0.53) (0.23) (0.17) (0.01) (0.02) - - Shriram (68.68) (70.71) - - (3.00) (2.70) (0.28) (0.27) (28.04) (26.32) (28.04) (26.32) Tata AIG (68.66) (53.70) (8.73) (34.33) (15.09) (5.81) (4.32) (4.98) (3.20) (1.18) - - Private Total (59.73) (59.81) (9.21) (18.89) (17.76) (11.03) (1.43) (1.50) (11.87) (8.78) (10.18) (7.79) LIC # (97.99) (98.36) (1.26) (1.30) (0.65) (0.29) (0.10) (0.05) Industry Total (88.01) (83.75) (3.33) (7.97) (5.11) (4.36) (0.45) (0.60) (3.10) (3.33) (2.65) (2.95) Note: 1) Figures in brackets show percentage to total individual new business of each insurer procured through the respective channel 2) New business premium includes first year premium and single premium. *Any entity other than banks but licensed as a corporate agent. 3) The leads obtained through referral arrangements have been included in the respective channels. # Does not include its overseas new business premium **It has been confirmed by the insurer that the no. of policies have been taken net of all cancellations including freelooks during the financial year. ANNUAL REPORT

166 Statements (Final) GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS FOR CHANNEL WISE STATEMENT 55 (Premium in Rs Crore) (Schemes and lives in nos.) Individual Agents Corporate Agents Brokers Direct Selling Total Group New Referrals Business Insurer Banks Others* Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes Lives Premium Schemes LivesPremium Schemes Lives Premium Schemes Lives Premium covered covered covered covered covered covered covered 150 Aviva (24.14) (0.75) (12.99) (0.86) (2.13) (1.32) (7.76) (52.43) (4.81) (5.17) (1.55) (1.66) (62.07) (43.14) (79.22) Bajaj Allianz (0.07) (0.34) - (0.06) (2.03) (100.00) (99.87) (97.63) Bharti Axa (25.00) (16.22) (99.41) (75.00) (83.78) (0.59) Birla Sunlife (100.00) (100.00) (100.00) Future Generali (88.89) (63.88) (46.41) (11.11) (36.12) (53.59) HDFC Std (100.00) (100.00) (100.00) ICICI Pru (4.24) (1.50) (0.31) (1.69) (23.82) (9.63) - (2.11) (0.02) (8.47) (0.54) (4.90) (85.59) (72.03) (85.13) (0.85) (0.33) (0.16) IDBI Fortis ING Vysya (30.77) (1.29) (1.72) (69.23) (98.71) (98.28) (3.85) (0.10) (0.07) Kotak Mahindra (53.02) (38.65) (18.99) (46.98) (61.35) (81.01) Max NewYork (94.68) (44.22) (18.64) (0.35) (33.92) (64.91) (4.96) (21.86) (16.45) MetLife (11.54) (8.42) (1.70) (2.56) (1.08) (0.55) (5.13) (26.35) (11.18) (80.77) (64.15) (86.57) Reliance Life (27.35) (38.31) (2.17) (72.65) (61.69) (97.83) Sahara (100.00) (100.00) (100.00) SBI Life (84.91) (30.34) (2.15) (9.62) (1.61) (97.85) (5.47) (68.05) Shriram (100.00) (100.00) (100.00) Tata AIG (8.64) (0.27) (0.23) (12.35) (7.93) (3.31) (79.01) (91.79) (96.46) Private Total (14.02) (3.22) (0.48) (0.22) (16.61) (12.36) (1.06) (6.21) (0.65) (13.04) (9.05) (2.59) (71.65) (64.90) (83.92) (0.09) (0.03) (0.05) LIC (16.66) (18.64) (10.11) (3.36) (1.76) (0.44) (1.12) (0.71) (0.16) (0.74) (0.05) (0.06) (78.11) (78.84) (89.22) Industry Total (16.42) (15.16) (7.68) (3.08) (5.12) (3.46) (1.12) (1.95) (0.29) (1.86) (2.09) (0.70) (77.52) (75.69) (87.88) (0.01) (0.01) (0.01) ANNUAL REPORT Note: 1) Figures in brackets show percentage to total group new business of each insurer procured through the respective channel. 2) New business premium includes first year premium and single premium. 3) The leads obtained through referral arrangements have been included in the respective channels. * Any entity other than banks but licensed as a corporate agent.

167 Statements (Final) STATE-WISE SPREAD OF INDIVIDUAL AGENTS - INSURER WISE FOR STATEMENT 56 Insurers State / Union Territory Aviva Bajaj Bharti Birla Future HDFC ICICI IDBI ING Kotak Max MetLife Reliance Sahara SBI Life Shriram Tata AIG Private LIC Industry Allianz Axa Sunlife Generali Std Pru Fortis Vysya Mahindra NewYork Life Total Total (Statewise) (Statewise) 151 Andhra Pradesh Arunachal Pradesh Assam Bihar Chattisgarh Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Orissa Punjab Rajasthan Sikkim Tamil Nadu Tripura Uttar Pradesh UttraKhand West Bengal Andaman&Nicobar Islands Chandigarh Dadra & Nagrahaveli Daman & Diu Delhi Lakshadweep Puducherry Company Total ANNUAL REPORT

168 ANNUAL REPORT DETAILS OF INDIVIDUAL AGENTS OF LIFE INSURERS Insurer As on 1st Additions Deletions As on 31st April, 2007 March 2008 Aviva Bajaj Allianz Bharti Axa Birla Sunlife STATEMENT 57 Future Generali HDFC Std ICICI Pru IDBI Fortis ING Vysya Kotak Mahindra Max NewYork MetLife Reliance Life Sahara SBI Life Shriram Tata AIG Private Total LIC Industry Total Statements (Final) 74...

169 Statements (Final) STATEMENT 58 INDIVIDUAL DEATH CLAIMS (Benefit Amount in Rs crore) Life Insurer Claims pending at Claims intimated / Total Claims Claims paid Claims repudiated Claims written back Claims pending Break up of claims pending start of year booked at end of year duration wise (Policies) No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit <3 3-<6 6-<1yr >1yr Total Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount Policies Amount mths mths 153 Aviva (69.06) (44.07) (12.78) (23.96) - - (18.16) (31.97) (68.60) (11.63) (9.30) (10.47) Bajaj Allianz (77.58) (72.96) (10.55) (13.02) - - (11.87) (14.02) (81.81) (9.94) (4.77) (3.48) Bharti Axa (34.62) (22.61) (38.46) (27.80) - - (26.92) (49.60) (85.71) (14.29) - - Birla Sunlife (91.37) (81.46) (7.47) (11.22) - - (1.16) (7.32) (23.53) (17.65) (23.53) (35.29) Future Generali HDFC Std (80.75) (68.72) (4.22) (8.15) - - (15.03) (23.13) (62.58) (21.29) (11.94) (4.19) ICICI Pru (87.92) (73.47) (6.57) (15.09) - - (5.50) (11.44) (76.71) (10.96) (4.93) (7.40) IDBI Fortis ING Vysya (55.84) (54.49) (14.01) (16.56) (0.32) (0.19) (29.83) (28.76) (60.14) (26.69) (9.96) (3.20) Kotak Mahindra (58.89) (78.95) (25.32) (14.58) - - (15.79) (6.47) (66.67) (24.32) (4.50) (4.50) Max NewYork (90.37) (87.04) (9.42) (12.06) - - (0.21) (0.90) (80.00) - (20.00) - MetLife (47.51) (37.67) (21.41) (24.23) - - (31.09) (38.10) (63.21) (20.75) (3.77) (12.26) Reliance Life (91.13) (85.88) (8.47) (13.18) - - (0.39) (0.94) (100.00) Sahara (44.09) (36.03) (4.84) (6.52) - - (51.08) (57.45) (49.47) (36.84) (9.47) (4.21) SBI Life (81.48) (76.92) (7.10) (7.17) (0.04) (0.03) (11.38) (15.88) (57.79) (22.05) (9.51) (10.65) Shriram (39.14) (32.24) (19.19) (23.61) - - (41.67) (44.14) (65.45) (23.64) (9.09) (1.82) Tata AIG (55.83) (53.99) (24.82) (23.55) - - (19.35) (22.46) (25.78) (11.80) (21.43) (40.99) Private Total (78.93) (71.28) (10.17) (14.00) (0.01) (0.01) (10.88) (14.71) (64.84) (16.71) (8.94) (9.51) LIC * (96.71) (93.70) (1.13) (2.16) (0.06) (0.76) (2.10) (3.38) (43.76) (25.20) (18.93) (12.11) Industry Total (95.86) (91.55) (1.56) (3.30) (0.06) (0.68) (2.52) (4.47) (48.10) (23.45) (16.87) (11.58) Note: Figures in brackets show percentage of the respective total claims. * In the Annual Report for FY , total individual death claim figures of LIC erroneously included group as well as foreign office business claims also. In the current FY, the figures pertain to individual death claims arising in the Indian operations of LIC. ANNUAL REPORT

170 ANNUAL REPORT NO. OF LIFE INSURANCE OFFICES* AS ON 31st MARCH, 2008 STATEMENT 59 Insurer Aviva Bajaj Allianz Bharti Axa Birla Sunlife Future Generali HDFC Std ICICI Pru IDBI Fortis ING Vysya Kotak Mahindra Max NewYork MetLife Reliance Life Sahara SBI Life Shriram Tata AIG Private Total LIC Industry Total * Offices opened after seeking approval of the Authority Note: 1) Data collected from life insurers through a special return. 2) Office as defined under Section 64VC of the Insurance Act, Statements (Final) 74...

171 ANNUAL REPORT DISTRIBUTION OF OFFICES* OF LIFE INSURERS AS ON 31st MARCH, 2008 Insurer Metro Urban Semi-urban Others Company Total Aviva Bajaj Allianz Bharti Axa Birla Sunlife STATEMENT 60 Future Generali HDFC Std ICICI Pru IDBI Fortis ING Vysya Kotak Mahindra Max NewYork MetLife Reliance Life Sahara SBI Life Shriram Tata AIG Private total LIC Industry total * Offices opened after seeking approval of the Authority. Note: 1) Data collected from life insurers through a special return. 2) Based on the HRA classification of places done by the Ministry of Finance. Metro: Delhi, Mumbai, Chennai, Kolkata, Hyderabad and Bangalore. Urban: A, B-1 and B-2 class cities of the HRA classification. Semi-urban:C class cities of the HRA classification. Others:Places not listed in the HRA classification. 155 Statements (Final) 74...

172 Statements (Final) GEOGRAPHICAL DISTRIBUTION OF OFFICES - AS ON 31ST MARCH, 2008* STATEMENT 61 State / Union Aviva Bajaj Bharti Birla Future HDFC ICICI IDBI ING Kotak M a x Met Reliance Sahara SBI Shriram Tata State LIC State Territory Allianz Axa Sunlife Generali Std Pru Fortis Vysya Mahindra New York Life Life Life AIG Total Total (Private) (Industry) Andhra Pradesh Arunachal Pradesh Assam Bihar Chattisgarh Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Orissa Punjab Rajasthan Sikkim Tamil Nadu Tripura Uttar Pradesh UttraKhand West Bengal Andaman&Nicobar Islands Chandigarh Dadra & Nagrahaveli Daman & Diu Delhi Lakshadweep Puducherry Company Total ANNUAL REPORT * Offices opened after seeking approval of the Authority Note: 1) Data collected from life insurers through a special return. 2) Office as defined under Section 64VC of the Insurance Act, 1938.

173 Statements (Final) INDIVIDUAL NEW BUSINESS UNDERWRITTEN STATE-WISE STATEMENT 62 (Premium in Rs crore) State / Union Territory Aviva Bajaj Allianz Bharti Axa Birla Sunlife Future Generali HDFC Std ICICI Pru IDBI Fortis ING Vysya Kotak Mahindra Max NewYork No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium policies policies policies policies policies policies policies policies policies policies policies 157 Andhra Pradesh Arunachal Pradesh Assam Bihar Chattisgarh Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Orissa Punjab Rajasthan Sikkim Tamil Nadu Tripura Uttar Pradesh UttraKhand West Bengal Andaman & Nicobar Islands Chandigarh Dadra & Nagrahaveli Daman & Diu Delhi Lakshadweep Puducherry Company Total # Does not include its overseas new business premium. ANNUAL REPORT

174 Statements (Final) INDIVIDUAL NEW BUSINESS UNDERWRITTEN STATEWISE Contd... (Premium in Rs Crore) State / Union Territory Met Life Reliance Life Sahara SBI Life Shriram Tata AIG State Total (Private) LIC # State Total (Industry) No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium No. of Premium policies policies policies policies policies policies policies policies policies 158 Andhra Pradesh Arunachal Pradesh Assam Bihar Chattisgarh Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Orissa Punjab Rajasthan Sikkim Tamil Nadu Tripura Uttar Pradesh UttraKhand West Bengal Andaman & Nicobar Islands Chandigarh Dadra & Nagrahaveli Daman & Diu Delhi Lakshadweep Puducherry Company Total ANNUAL REPORT # Does not include its overseas new business premium. # Does not include its overseas new business premium.

175 Statements (Final) GRIEVANCES - LIFE INSURANCE STATEMENT 63 Resolved Pending Reported Resolved % Pending <=15 >15&<= >30&<=1 >180 <=15 >15&<= >30&>=1 >180 during during Resolved as on days 30 days 80 days days days 30days 80 days days S.No. Insurer during 31st March 08 1 Aviva Life Insurance Co. India Pvt. Ltd Bajaj Allanz Life Insurance Co. Ltd Birla Sun Lif Insurance Co. Ltd HDFC Standard Life Insurance Co. Ltd ICICI Prudential Life Insurance Co. Ltd ING Vysya Life Insurance Co. Ltd Kotak Mahindra Old Mulual Life Insurance Co. Ltd Life Insurance Corporation Of India Max New York Life Insurance Co. Ltd Met Life India Life Insurance Co. Ltd ANNUAL REPORT Reliance Life Insurance Co. Ltd Sahara India Life Insurance Co. Ltd Sbi Life Insurance Co. Ltd Shriram Life Insurance Co. Ltd Tata Aig Life Insurance Co. Ltd Total

176 Statements (Final) STATEMENT 64 GROUP DEATH CLAIMS (Benefit Amount in Rs crore) Life Insurer Claims pending at Claims intimated / Total Claims Claims Claims written Claims pending Break up of claims pending start of year booked Claims paid repudiated back at end of year duration wise (Lives) No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit No. of Benefit <3 3-<6 6-<1yr >1yr Total Lives Amount Lives Amount Lives Amount Lives Amount Lives Amount Lives Amount Lives Amount mths mths 160 Aviva (96.09) (95.06) (1.25) (1.98) - - (2.66) (2.96) (44.90) (10.20) (10.20) (34.69) Bajaj Allianz (88.41) (93.86) (0.47) (1.14) - - (11.12) (5.00) (35.53) (33.88) (13.00) (17.58) Bharti Axa Birla Sunlife (97.12) (97.94) (2.88) (2.06) Future Generali (12.50) (26.42) (6.25) (3.77) - - (81.25) (69.81) (100.00) HDFC Std (95.60) (85.70) (4.40) (14.30) - (37.50) - (62.50) ICICI Pru (95.17) (94.13) (0.69) (0.27) - - (4.14) (5.60) (100.00) IDBI Fortis ING Vysya (85.77) (94.08) (9.49) (0.99) - - (4.74) (4.94) (100.00) Kotak Mahindra (70.74) (72.05) (16.91) (13.87) - - (12.34) (14.09) (60.19) (28.70) (8.33) (2.78) Max NewYork (98.24) (94.95) (1.76) (5.05) MetLife (67.24) (69.53) (9.52) (3.22) - - (23.23) (27.24) (36.02) (13.04) (23.60) (27.33) Reliance Life (96.33) (98.42) (2.89) (1.19) - - (0.78) (0.39) (100.00) Sahara (100.00) (100.00) SBI Life (83.27) (80.10) (8.75) (7.26) (0.36) (0.36) (7.63) (12.28) (50.41) (14.01) (13.46) (22.12) Shriram Tata AIG (53.02) (44.55) (6.33) (7.28) - - (40.65) (48.18) (27.12) (10.38) (18.16) (44.34) Private Total (84.43) (83.25) (5.75) (5.14) (0.16) (0.16) (9.66) (11.45) (41.83) (18.91) (14.41) (24.85) LIC (99.88) (99.83) (0.01) (0.02) - - (0.11) (0.15) (8.70) (62.11) (22.98) (6.21) Industry Total (97.85) (94.58) (0.76) (1.64) (0.02) (0.05) (1.37) (3.73) (39.43) (22.03) (15.03) (23.51) Note: Figures in brackets show percentage of the respective total claims. ANNUAL REPORT

177 Statements (Final) LIST OF MICRO-INSURANCE PRODUCTS OF LIFE INSURERS* STATEMENT 65 Insurer Name of Product Date of launch Name of Product Date of launch Individual category Group category Aviva Gramin Suraksha 12-Jun-2007 Credit Plus 1-Nov-2004 Bajaj Allianz Bajaj Allianz Jana Vikas Yojana 7-Mar-2007 Bajaj Allianz Saral Suraksha Yojana 7-Mar-2007 Bajaj Allianz Alp Nivesh Yojana 7-Mar-2007 Birla Sunlife Bima Dhan Sanchay 31-Aug-2007 Bima Suraksha Super 31-Aug ING Vysya Securing Life Rural Endowment Plan 24-Feb-2003 Generic Group Term Insurance for Social Sector 27-Mar-2002 (however the product is withdrawn on 13-Mar-08) Surakshit Jeevan Rural Endowment Plan 8-Mar-2002 ING Saral Suraksha 30-Nov-2007 (however the product is withdrawn on 1-Apr-08) Sahara Sahara Sahyog 26-Jun-2006 Sahara Jankalyan 15-Mar-2005 SBI Life Grameen Shakti 1-Dec-2007 Grameen Super Suraksha 1-Dec-2007 ANNUAL REPORT Super Suraksha for Farmers Shakti for Self Help Groups (Group Swadhan) Lifelong Pensions for KCC/GCC Holders 4-Mar Oct Jun-2003 Shriram Shri Sahay - SP 18-Mar-2007 Shri Sahay - AP 15-May-2007 Tata AIG Tata AIG Life Ayushman Yojana 8-Aug-2006 Tata AIG Life Navkalyan Yojana Tata AIG Life Sampoorn Bima Yojana 8-Aug Aug-2006 LIC Jeevan Madhur 28-Sep-2006 Janashree Bima Yojana 10-Aug-2000 Aam Aadmi Bima Yojana 2-Oct-2007 * All Micro-Insurance products and products falling within the parameters prescribed under the IRDA (Micro-Insurance) Regulations, 2005, but launched prior to the said Regulations.

178 ANNUAL REPORT

179 ANNUAL REPORT INSURANCE COMPANIES OPERATING IN INDIA LIFE INSURERS ANNEX I Public Sector Private Players 1. Life Insurance Corporation of India (LIC) 1. Bajaj Allianz Life Insurance Co. Ltd. 2. Birla Sun Life Insurance Co. Ltd. (BSLI) 3. HDFC Standard Life Insurance Co. Ltd. (HDFC STD LIFE) 4. ICICI Prudential Life Insurance Co. Ltd. (ICICI PRU) 5. ING Vysya Life Insurance Co. Ltd. (ING VYSYA) 6. Max New York Life Insurance Co. Ltd. (MNYL) 7. MetLife India Insurance Co. Pvt. Ltd. (METLIFE) 8. Kotak Mahindra Old Mutual Life Insurance Co. Ltd. 9. SBI Life Insurance Co. Ltd. (SBI LIFE) 10. TATA AIG Life Insurance Co. Ltd. (TATA AIG) 11. Reliance Life Insurance Company Ltd. 12. Aviva Life Insurance Co. Pvt. Ltd. (AVIVA) 13. Sahara India Life Insurance Co. Ltd. (SAHARA LIFE) 14. Shriram Life Insurance Co. Ltd (SHRIRAM LIFE) 15. Bharti AXA Life Insurance Co. Ltd. (BHARTI AXA) 16. Future Generali India Life Insurance Co. Ltd. (FUTURE GENERALI INDIA LIFE) 17. IDBI Fortis Life Insurance Co. Ltd. 18. Canara HSBC Oriental Bank of Commerce Life Insurance Co. Ltd 19. Aegon Religare Life Insurance Company Limited. 20. DLF Pramerica Life Insurance Co. Ltd. 163

180 ANNUAL REPORT NON-LIFE INSURERS Public Sector Private Players 1. New India Assurance Co. Ltd. (NEW INDIA) 1. Bajaj Allianz General Insurance Co. Ltd. (BAJAJ ALLIANZ) 2. National Insurance Co. Ltd. (NATIONAL) 2. ICICI Lombard General Insurance Co. Ltd. (ICICI LOMBARD) 3. The Oriental Insurance Co. Ltd. (ORIENTAL) 3. IFFCO Tokio General Insurance Co. Ltd. (IFFCO TOKIO) 4. United India Insurance Co. Ltd. (UNITED) 4. Reliance General Insurance Co. Ltd. (RELIANCE) 5. Export Credit Guarantee Corporation Ltd. (ECGC) 5. Royal Sundaram Alliance Insurance Co. Ltd. (ROYAL SUNDARAM) 6. Agriculture Insurance Company of India Ltd. (AIC) 6. TATA AIG General Insurance Co. Ltd. (TATA AIG) 7. Cholamandalam MS General Insurance Co. Ltd. (CHOLAMANDALAM) 8. HDFC General Insurance Co. Ltd. (HDFC CHUBB) 9. Star Health and Allied Insurance Company Limited (STAR HEALTH) 10. Apollo DKV Insurance Co. Ltd. (APOLLO DKV) 11. Future Generali India Insurance Co. Ltd. (FUTURE GENERALI INDIA) 12. Universal Sompo General Insurance Co. Ltd. 13. Shriram General Insurance Co. Ltd. 14. Bharti AXA General Insurance Co. Ltd. RE INSURER: General Insurance Corporation of India (GIC) 164

181 ANNUAL REPORT REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 ANNEX II Sl.No. Notification 1 IRDA (Member of Insurance Advisory Committee) Regulations, IRDA (Appointment of Insurance Advisory Committee) Regulations, IRDA (Appointed Actuary) Regulations, IRDA (Acturial Report and Abstract) Regulations, IRDA (Licensing of Insurance Agents) Regulations, IRDA (Assets,Liabilities and Solvency Margin of Insurers) Regulations, IRDA (General Insurance - Reinsurance) Regulations, IRDA (Registration of Indian Insurance Companies) Regulations, IRDA (Advertisements and Disclosure) Regulations, IRDA (Obligations of Insurers to Rural or Social Sectors) Regulations, IRDA (Meetings) Regulations, IRDA (Preparation of Financial Statement and Auditors Report of Insurance Companies) Regulations, IRDA (Investment) Regulations, IRDA (Conditions of Service of Officers and Other ) Regulations, IRDA (Ins. Surveyors and Loss Assessors) (Licensing, Professional Requirements and Code of Conduct) Regulations, IRDA (Life Insurance - Reinsurance) Regulations, IRDA (Investment) (Amendment) Regulations, IRDA (Third Party Administrator - Health Services) Regulations, IRDA (Re-Insurance Advisory Committee) Regulations, IRDA (Investment) (Amendment) Regulations, IRDA (Preparation of Financial Statement and Auditors Report of Insurance Companies) Regulations, IRDA (Protection of Policyholders Interest) Regulations IRDA (Insurance Brokers) Regulations, IRDA (Obligations of Insurers to Rural or Social Sectors) (Amendment) Regulations, IRDA (Licensing of Corporate Agents) Regulations, IRDA (Licensing of Insurance Agents) (Amendments) Regulations, IRDA (Protection of Policyholders Interest) (Amendments) Regulations IRDA (Manner of Receipt of Premium) Regulations, IRDA (Distributions of Surplus) Regulations, IRDA (Registration of Indian Insurance Companies) (Amendment) Regulations, IRDA (Investment) (Amendment) Regulations, IRDA (Qualification Actuary) Regulations, IRDA (Obligations of Insurers to Rural or Social Sectors) (Amendment) Regulations, IRDA (Insurance Advisory Committee) Regulations IRDA (Micro Insurance) IRDA (Maternity Leave) IRDA (Obligation of Insurers to Rural or Social Sectors) (Amendmet) Regulations, IRDA (Reinsurance Cessions) Notification 40 IRDA (Licensing of Insurance Agents) (Amendment) Regulations, IRDA (Licensing of Corporate Agents) (Amendment) Regulations, IRDA (Insurance Brokers) (Amendment) Regulations, IRDA (Obligation of Insurers to Rural or Social Sectors) (Third Amendment) (Amendmet) Regulations, IRDA (Obligation of Insurers to Rural or Social Sectors) (Fourth Amendment) (Amendmet) Regulations, IRDA (Registration of Indian Insurance Companies) (Second Amendment) Regulations, IRDA (Conditions of Service of Officers and Other ) (Second Amendment) Regulations, IRDA (Investment) (Fourth Amendment) Regulations,

182 ANNUAL REPORT ANNEX III (a) APPOINTED ACTUARIES OF LIFE INSURERS (as on 31 st March, 2008) Bajaj Allianz Life Insurance Co. Ltd. Mr. Anil Kumar Singh Reliance Life Insurance Co. Ltd. Ms. Pournima Gupte Aviva Life Insurance Co. India Pvt. Ltd. Mr. Chandan Khasnobis Birla Sun Life Insurance Co. Ltd. Mr. Fabien Jeudy HDFC Standard Life Insurance Co. Ltd. Mr. W. J. Martin ICICI Prudential Life Insurance Co. Ltd. Mr. Avijit Chatterjee ING Vysya Life Insurance Co. Ltd. Ms. Hemamalini Ramakrishnan Life Insurance Corporation of India Mr. G. N. Agarwal Max New York Life Insurance Co. Ltd. Mr. John Charles Poole MetLife India Insurance Co. Pvt. Ltd. Mr. M. S. V. S Phanesh Kotak Mahindra Old Mutual Life Insurance Ltd. Mr. B L Johns Sahara India Life Insurance Co. Ltd. Mr. K. K. Dharni SBI Life Insurance Co. Ltd. Mr. I. Sambasiva Rao Tata AIG Life Insurance Co. Ltd. Mr. Heerak Basu Shriram Life Insurance Co. Ltd. Mr. N S Sastry Bharti AXA Life Insurance Co. Ltd. Mr. G L N Sarma Future Genrali India Life Insurance Co. Ltd. Mr. S K Pujari IDBI Fortis Life Insurance Co. Ltd. Mr. Mike J Wood 166

183 ANNUAL REPORT ANNEX III (b) APPOINTED ACTUARIES OF NON-LIFE INSURERS (as on 31 st March, 2008) Agriculture Insurance Co. of India Ltd. Mr. S Chidambaram Bajaj Allianz General Insurance Co. Ltd. Ms. Asha J Joshi Cholamandalam MS General Insurance Co. Ltd. Mr. M Venkatesan General Insurance Corporation of India (Life Re-Insurance Department) Mr. T. Bhargava General Insurance Corporation of India (Non-Life Re-Insurance Department) Mr. A. K. Garg HDFC Chubb General Insurance Co. Ltd. Mr. N. Lakshmanan ICICI Lombard General Insurance Co. Ltd. Mr. Liyaquat Khan IFFCO Tokio General Insurance Co. Ltd. Mr. A. P. Peethambaran National Insurance Co. Ltd. Mr. B Chatterjee The New India Assurance Co. Ltd. Mr. A. R. Prabhu Reliance General Insurance Co. Ltd. Mr. N. G. Pai Royal Sundaram Alliance Insurance Co. Ltd. Mr. O Lakshminarayana TATA AIG General Insurance Co. Ltd. Mr. K. Hanumantha Rao The Oriental Insurance Co. Ltd. Mr. P. C. Gupta United India Insurance Co. Ltd. Mr. S. Krishnan Star Health and Allied Insurance Co. Ltd. Mr. R Soundararajan Apollo DKV Insurance Co. Ltd. Mr. Gautam Kakar Universal Sompo General Insurance Co. Ltd Mr. V. Govindan 167

184 ANNUAL REPORT ANNEX IV (a) INDIAN ASSURED LIVES MORTALITY ( ) (modified) ULTIMATE Age Mortality rate Age Mortality rate

185 ANNUAL REPORT ANNEX IV (b) MORTALITY RATES OF ANNUITANTS IN LIC OF INDIA LIC A (96-98) ULTIMATE Age Mortality rate Life Expectation Age Mortality rate Life Expectation

186 ANNUAL REPORT LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR Sl. Name of the Company Name of the Product No. 1 Bajaj Allianz Life Insurance Co. Ltd. Bajaj Allianz Unit Gain Plus Gold Bajaj Allianz Century Plus Bajaj Allianz Future Secure Bajaj Allianz Young Care Bajaj Allianz Young Care Plus Bajaj Allianz Jana Vikas Yojana Bajaj Allianz Saral Suraksha Yojana Bajaj Allianz Alp Nivesh Yojana Bajaj Allianz Care First Bajaj Allianz Group Save Plus Bajaj Allianz Group Suraksha Bajaj Allianz Super Saver UL Family Income Benefit Bajaj Allianz UL Waiver of Premium Benefit 2 Reliance Life Insurance Co. Ltd. Reliance Secure Child Plan Reliance Group Leave Encashment Plan Reliance Wealth + Health Plan Reliance Total Investment Plan Series I - Insurance Reliance Total Investment Plan Series II - Pension Critical Conditions (25) Rider Major Surgical Benefit Rider Term Life with Accident Benefit Rider 3 AVIVA Life Ins. Co. India Pvt. Ltd. Aviva Little Master Aviva Group Gratuity Plan Aviva LifeSaver Super Aviva Easy Life Plus Pension Plus LifeBond Plus LifeBond 5 Aviva Life Saver Unit Linked Aviva Little Master Aviva Group Leave Encashment Policy Aviva Freedom Lifeplan Aviva LifeLong Unit Linked Plan Aviva Life Saver Plus Save Guard Credit Suraksha Secure Pension Comprehensive Health Benefit (CHB) Rider Income Benefit (IB) Rider Group Permanent Total Disability (PTD) Rider ANNEX V 170

187 ANNUAL REPORT Sl. Name of the Company Name of the Product No. 4 Birla Sun Life Insurance Co. Ltd. Birla Sun Life Flexi SecureLife Retirement Plan (Accumulation Phase) Birla Sun Life Gold Plus Birla Sun Life Insurance Saral Jeevan Birla Sun Life Insurance Gold Plus II Birla Sun Life Insurance Group Unit linked Plan Birla Sun Life Insurance Platinum Plus Birla Sun Life Insurance Bima Suraksha Super Birla Sun Life Insurance Bima Dhan Sanchay Accidental Death Rider 5 HDFC Standard Life Insurance HDFC Unit Linked Enhanced Life Protection II Co. Ltd. HDFC Unit Linked Endowment Plus II HDFC Unit Linked YoungStar Plus II 6 ICICI Prudential Life Insurance LifeStage RP Co. Ltd. Premier Life Pension LifeStage Pension ICICI Pru LifeTime Gold ICICI Pru Group leave Encashment ICICI Pru Group leave Encashment Plus Crisis Cover Diabetes Assure Diabetes Care Active Death Benefit Rider Diabetic Enhanced Benefit Rider 7 ING Vysya Life Insurance Co. Ltd. ING Positive Life ING Guaranteed Growth ING Golden Life ING Creating Star Saral Suraksha ING Term Life ING Term Life Plus 8 Life Insurance Corporation of India LIC s Fortune Plus LIC s Profit Plus LIC s Health Plus LIC s Jeevan Amrit LIC s Amulya Jeevan - 1 Group Critical Illness Rider (Accelarated) 9 Max New York Life Insurance Life Maker Platinum Co. Ltd. SMART Invest Pension Capital Builder Smart Assure Max Bhavishya SMART Steps SMART Steps Plus SMART Steps Single Premium LifeLine Wellness Plus Plan LifeLine SafetyNet Plan 171

188 ANNUAL REPORT Sl. Name of the Company Name of the Product No. Medi Cash Plan Medi Cash Plus Plan LifeLine Wellness Plan 10 Met Life India Insurance Co. Pvt. Ltd. Met Easy Met Group Gratuity Met Smart Gold Met Loan Assure Group Credit Lite 11 Kotak Mahindra Old Mutual Kotak Smart Advantage Life Insurance Ltd. Kotak Life Secure Plus Kotak Life Wealth Plus Kotak Eternal Life Classic Shield Kotak Eternal Life Premier Shield Kotak Surakshit Jeevan 12 SBI Life Insurance Co. Ltd. Unit Plus Elite Unit Plus Child Plan Saral ULIP SBI Life Dhanaraksha Plus - LPPT SBI Life Dhanaraksha Plus - RP SBI Life Dhanaraksha Plus - SP SBI Life Grameen Shakti SBI Life Grameen Super Suraksha Sampoorna Suraksha Group Plan Nidhi Raksha RP Group Leave Encashment Group Supernnuation Group Gratuity SBI Life-Dhanrashi 13 TATA AIG Life Insurance Co. Ltd. Retirement Assure Group Gratuity Scheme (Unit Linked) Retirement Assure Group Superannuation Scheme (Unit Linked) Invest Assure Extra Invest Assure Flexi Invest Assure Future Invest Assure Care Easy Retire Group Immediate Annuity with Return of Premium Group Health Plus Health Investor Group Life Protector Plus Accidental Death Benefit Limited UnderwritingRider 14 Sahara India Life Insurance Co. Ltd. Sahara Samooh Samyojna Sahara Jamakarta Samooh Samyojna 172

189 ANNUAL REPORT Sl. Name of the Company Name of the Product No. 15 Shriram Life Insurance Co. Ltd. Shri Vikash Shri Vidya Plus Shri Life Plus Shri Laab Plus Sri Sahay (AP) Shri Suraksha Accident Benefit Rider (SP) -for groups Accident Benefit Rider (AP) - for Groups 16 Bharti AXA Life Insurance Co. Ltd. Bharti AXA Aspire Life Bharti AXA Dream Life Pension Plan Bharti AXA Life Credit Shield Bharti AXA Life Mortgage Credit Shield Bharti AXA Immediate Annuity 17 Future Generali India Future Assure Life Insurance Co. Ltd. Future Care Future Group Term Life Insurance Plan InstaLife Accidental Death Rider(Future Assure) Accidental Total & Permanent Disability rider Term Assurance Rider Waiver of premium on disability rider Life Guardian rider Critical Illness Core rider Accelerated Critical Illness Rider (Extended) Accidental Death Rider Group Accidental Death Rider Group Accidental Partial Permanent Disability Rider Group Accident & Sickness Total Permanent Disability Rider Group Accidental Total Permanent Disability Rider Group Core Critical Illness Accelerated Rider Group Core Critical Illness Rider Group Extended Critical Illness Accelerated Rider Group Extended Critical Illness Rider 18 IDBI Fortis Life Insurance Co. Ltd. Wealthsurance Foundation Plan Homesurance Plan Accidental Death Benefit Accidental Death and Disablement Benefit Hospital Cash Benefit Major Diseases Benefit 173

190 ANNUAL REPORT NON-LIFE PRODUCTS FILED BY INSURANCE COMPANIES UNDER FILE & USE PROCEDURES DURING THE FINANCIAL YEAR ANNEX VI Name of the Insurer Agriculture Insurance Co. Ltd. Apollo DKV General Bajaj Allianz General Bharti AXA Cholamandlam ECGC of India Future Generali India Name of the product Pulp wood tree Insurance policy Whether based crop Insurance Scheme Rubber Plantation Insurance Policy Easy Health Individual Health Insurance Policy Easy Travel Corporate Insurance Policy Group Personal Accident Insurance Policy Insta Insure- Family Health Smart Drive Liability only Ins. Smart Drive Two Wheelers Smart Drive Car Insurance Smart Drive Comml. Vehicle Standard Fire & Special perils Consequential Loss Industrial All Risks Machinery Breakdown Machinery Breakdown Loss of Profits Contractors All Risk Ins. Electronic Equipment Insurance Contractors Plant & Machinery Ins. Boiler & Pressure Plant Erection All Risks Ins. PBBY SME Policy Domestic Credit Ins. Bank Domestic Credit Inssurance Travel Suraksha Health Suraksha Plate Glass Home Secure Director & Officers Liability Products Liability All Risk policy Accident suraksha Group Health Ins. 174

191 ANNUAL REPORT Name of the Insurer HDFC Ergo General ICICI Lombard General IFFCO Tokio National Insurance New India Assurance Oriental Insurance Reliance General Name of the product Parivar Suraksha Bima Policy Signature Management Liability Insurance Warranty Insurance PI Insurance Home Credit Assure Insurance Healthcare Plus Tax Gain Health Insurance Auto Guard Pharma Guard Personal Protect Policy Modified Personal Accident for Growers of Coffee,Tea,Rubber and Tobacco Hotel Corporate Cover Petrol Station Package Malls/Multiplex Comprehensive Amusement Park Ins. Package Medical Establishment Comprehensive Ins. Policy Enterprises Secure Package Automobile Trade Secure Policy Group Travel Ins. (Modified) Jan Hit Bima (Microins) Jan Kalyan Bima Policy Janata Bima Policy Weather Insurance (Micro) Comp. Hops. Accident Policy 3 Micro products of already approved products. Gramin Suraksha Bima Gramin Suswasthya Bima Universal Health Insurance Scheme Rashtriya Swastiya Bima Yojana (Revision) Universal Health Insurance Schema (Revision) Hope-Health of privileged Elder (Senior Citizen Specified Diseases Insurance) Rashtriya Swathya Bima Yojana (RSBY) Mediclaim Policy (Modified) Universal Health Insurance Scheme Travel Care Policy Hotel & Restaurant Package Micro Insurance 175

192 ANNUAL REPORT Name of the Insurer Name of the product Health Plus Policy Critical Ilness Health Family Insurance Medical Tourism Burglary Protect All Risk Policy Silver Citizen Policy Education Protect Policy Port Package Clinic Protect Royal Sundaram Alliance Shriram General Tata-AIG General United India Universal Sompo General Workmen s Compensation Surgical Shield Insurance Accident Shield Insurance Standard Fire & Special Perils Policy Engineering Insurance Policies Motor Insurance Policy Workmen s Compensation/Employer s Liability Policy Travel Guard Policy (Revision) Rural Insurance Group Accident & Sickness Hospital Cash Policy Individual Personal Accident Accident and Health - Group Accident & Sickness Hospital Cash Policy Accident and Health Scholar Care Policy Pravasi Bharati Bima Yojana (Modified) Rastriya Swasthya Bima Yojana Universal Health Insurance Scheme Health Ins. Gold Health Ins. Silver Health Ins. Platinum Health Insurance Group Aapat Suraksha Bima Policy Machinery Breakdown Fire-Consequential Loss Policy Burglary Insurance Motor Pvt. Car Package Policy Fire Standard & Spl. Perils Policy Marine Cargo-Specific Transit Policy Marine Open & Annual Sales Turnover Policy 176

193 ANNUAL REPORT Name of the Insurer Name of the product Individual Personal Accident Policy Group Personal Accident Policy Individual Health Insurance Policy Cattle Insurance Policy All Risk Insurance Policy Fidelity Guarantee Shopkeepers Insurance Policy Workmen s Compensation Policy Electronic Equipment Insurance Group Health Insurance Policy Motor (Two Wheeler) Insurance Policy Motor (Passenger Carrying Vehicle) Insurance Policy Motor (Goods Carrying) Insurance Policy Motor (Misc. Vehicle) Insurance Policy Contractors All Risk Policy Erection All Risk Insurance Office Package Policy Jewelers Block Insurance Policy 177

194 ANNUAL REPORT ANNEX VII OBLIGATORY CESSIONS RECEIVED BY GIC CLASS LIMIT OF CESSION IN SUM INSURED Reinsurance Profit OR PML Commission Commission Fire, IAR, CL Rs. 100 Crores PML per risk 35% 25% Mega Risks Rs. 100 Crores PML per risk Lead Terms 20% Marine Cargo, War & SRCC Rs. 10 Crores sum insured per policy 25.00% 10% at the end of 36 months Marine Hull, War & SRCC Rs.16 Crores sum insured per vessel Net rated risks: 5% Gross rated risks: 17.5% Motor No limit 20% Nil Workmen s Compensation No limit 20% Nil General Aviation Hull No limit 12.50% Nil General Aviation Liability No limit 12.50% Nil Aviation (Airlines) Rs. 120 crores sum insured per risk Average Terms Nil on hull and corresponding percentage share on other insurances Oil and Energy Rs. 15 crores sum insured per risk 5% 20% at the end of 36 months All Liability Products Rs. 5 Crores per policy including USA/ 25% Nil excluding financial liability Rs. 10 Crores per policy excluding USA Financial, credit & guarantee Rs. 10 Crores sum insured per event 10% Nil lines, mortgage insurance, special contingency policies, etc Crop/ Weather Insurance Rs. 10 Crores sum insured per event 20% Nil Other Miscellaneous No limit* 25% Nil Machinery Breakdown, Boiler Rs.30 crores PML but where PML 30% 25% Explosion and related loss exceeds 33.3%, Rs. 90 crores sum of profits insured on each risk, material damage and loss of profits combined Contractor s All Risks, Rs. 60 crores PML but where PML 30% 25% Erection All Risks, Advance exceeds 33.3%, Rs. 180 crores sum Loss of Profits, DSU insured on each risk material damage insurances and loss of profits combined. 178

195 ANNUAL REPORT REGISTERED BROKERS (STATE-WISE) ANNEX VIII S.No State No of Licensed Brokers as on Direct Composite Reinsurance 1. Andhra Pradesh Chandigarh Delhi Gujarat Haryana Karnataka Kerala Madhya Pradesh Maharashtra Punjab Rajasthan Tamil Nadu Uttar Pradesh West Bengal Total No of licenses granted to Brokers (Calendar year wise) as on Year Direct Composite Reinsurance Total Nil Nil Nil Total

196 ANNUAL REPORT ANNEX IX CIRCULARS / ORDERS / NOTIFICATIONS ISSUED BY THE AUTHORITY Sl.No. Ref. No. Date of Issue Subject 1 IRDA/F&A/001/Apr-07 4/16/2007 United Linked Diclosure Norms 2 IRDA/F&A/002/Apr-07 4/16/2007 Declaration of Bonus under Sec.49 of the Insurance Act, IRDA/F&A/003/Apr-07 4/16/2007 Monthly premium data by all non-life insurers - furnishing of details in the prescribed format /IRDA/IT/APR-07 4/26/2007 Change of IDs of IRDA officials 5 IRDA/LEGAL/CIR/005/APR-07 4/27/2007 Premanent Lok Adalat for Public Utility Services at Myderabad. 6 IRDA/F&A/006/Apr-07 4/30/2007 Regulations on Rural and Social Sector Obligations, /IRDA/CIR/ADV/MAY-07 5/14/2007 Guidelines on Advertisement, Promotion & Publicity of Insurance Companies and insurance intermediaries 8 008/IRDA/Actl/ULIP_G/May /11/2007 Life Insurance Products - Guidelines for Unit Linked Insurance Products 9 IRDA/010/F&U/ /19/2007 Filing of products and rates and terms - Authority F&U guidelines dated 28/9/ /IRDA/CIR/BRO/May-07 5/21/2007 Insertion of word Insurance Boker/Brokers/ Broking - in the name of the company /IRDA/NOT/BRO/MAY-07 5/21/2007 Insertion of word Insurance Boker/Brokers/ Broking - in the name of the company applying for a Broker License /IRDA/NOT/BRO/MAY-07 5/23/2007 Documentation & Procedural requirements for obtaining broker license /IRDA/CIR/LIFE/May-07 5/24/2007 Furnishing of Statistics by Life Insurers /IRDA/CIR/LIFE/June-07 6/8/2007 Building up of database on places of business/ offices of insurers 180

197 ANNUAL REPORT Sl.No. Ref. No. Date of Issue Subject /IRDA/CIR/LIFE/June-07 7/4/2007 Monthly reporting of places of business/offices of insurers 16 IRDA/20/F&U/ /25/2007 Amendments to File & Use Guidelines - Premium Rates of Fire, Engineering and Workmen s Compensation Classes of Insurance /IRDA/ACTL/FUP/ VER1.0/JULY 2007/ 7/4/2007 File & Use Procedure for Riders - General Instructions to Life Insurers /CIR/IRDA/AML/JUL-07 7/6/2007 Guidelines on Anti-Money Laundering Programme for Insurers 19 IRDA/23/F&U/ /9/2007 Amendments to File & Use Guidelines - Premium Rates of Fire, Engineering and Workmen s Compensation Classes of Insurance. 20 IRDA/024/Closure-FLO/ /17/2007 Guidelines for closure of liaison office established in India by insurance companies registered outside India /IRDA/Actl/F&U Procedure/LP/July /26/2007 Provisions made in the Proposal Forms for Unit Linked Products /IRDA/LEGAL/CIR/JUL-07 7/25/2007 Judgement of the Hon ble Supreme Court in National Insurance Co. Ltd. Vs Smt. Sobina Iakai - Period of commencement of insurance policy /IRDA/MOTOR/CIR/JUL-07 7/30/2007 Vintage Cars - Premium rates /IRDA/LEGAL/CIR/AUG-07 8/13/2007 IRDA (Protection of Policyholder s Interests) Regulations, Supply of copy of survey report /IRDA/LEGAL/CIR/AUG-07 8/13/2007 Imposter - Mr. J Mohapatra fradulently representing as Advisor to IRDA. 26 IRDA/030/F&U/ /13/2007 Non-life insurance - further relaxation of price controls /IRDA/CIR/COMPLIANCE/AUG /23/2007 Appointment of CEO/MD - Approval under Section 34A of Insurance Act, /IRDA/ACTL/FUP/VER 5.0/SEP /6/2007 Life Insurance Products - File & Use Procedure 181

198 ANNUAL REPORT Sl.No. Ref. No. Date of Issue Subject 29 IRDA/ORD/&A/033/SEP-07 9/10/2007 Levy of penalty under Section 105B of the Insurance Act, Life Insurers. 30 IRDA/ORD/&A/034/SEP-07 9/10/2007 Levy of penalty under Section 105B of the Insurance Act, General Insurers. 31 INV/CIR/035/ /10/2007 FIMMDA Reporting Platform for corporate bond transactions - Reg. 32 IRDA/036/IR Returns/ /17/2007 Submission of RI returns under Regulations 3(12) of the IRDA s (General Insurance - Reinsurance) Regulations, IRDA/Life/Dist.Channel/037/ /21/2007 Constitution of Committee to look into the issues of Distribution Channels 34 38/IRDA/AGENCY/Sep /24/2007 Publishing updated details of individual agents on insurers website /IRDA/CIR/AGENCY/Oct /9/2007 Minimum educational qualification for grant of fresh agency license - clarification circular 36 42/IRDA/AGENCY/CIR/OCT-07 10/15/2007 Reduction in Agents Training Hours 37 43/IRDA/AGENCY/CIR/OCT-07 11/1/2007 Clarification on circular pertaining to Reduction in Agents Training Hours 38 11/8/2007 General Insurance Council s proposed Standard Market Wordings for erstwhile tariff business /IRDA/F&A/Nov-07 11/22/2007 Quarterly Submission of Financial Statements 40 46/IRDA/F&A/Nov-07 11/22/2007 Reporting of Maintenance of Solvency Margin Ratio 41 12/3/2007 Life Insurance Products - Guidelines for Unit Linked Life Insurance Products 42 12/7/2007 Report of the Committee on Health Insurance for Senior Citizens /IRDA/De-tariff/Dec-07 12/18/2007 Removal of controls on pricing of risks in general insurance business with effect from 1st January, /19/2007 Registration of IDBI Fortis Life Insurance Co. Ltd. as a Life Insurer under Sec.3 of Insurance Act, /20/2007 Elected Council of the Indian Institute of Insurance Surveyors & Loss Assossors 46 TAC/Elections /27/2007 TAC Elections Declaration of Results 47 1/2/2008 IRDA (Insurance Brokers) Regulations, (Amendments) /IRDA/ACTL/ULIP/JAN-08 1/1/2008 Benefit Illustrations for Unit Linked Products 49 IRDA/ORD/TAC/050-Jan.08 1/3/2008 Constitution of Tariff Advisory Committee 50 IRDA/NOT/051/SUR/Jan-08 1/4/2008 Report of the Committee on Surveyors & Loss Assessors on Parameters for Upgradation of Surveyors Categories. 182

199 ANNUAL REPORT Sl.No. Ref. No. Date of Issue Subject 51 1/8/2008 Public Notice on the Illegal Activies of M/s Lifeline Global Ltd. & Lifeline EMS India Ltd. 52 IRDA/DB-200/03 1/11/2008 Expiry of Validity of Direct Broker License of M/s SMS Insurance Services Pvt. Ltd. 53 IRDA/DB-258/04 1/11/2008 Expiry of Validity of Direct Broker License of M/s Lord Krishna Insurance Brokers Pvt. Ltd. 54 IRDA/F&A/053/Feb-08 2/1/2008 Submission of Details of Sum Assured /1/F&A/AR-R&SS/257/Feb-08 2/8/2008 Gazette Notification - IRDA (Obligations of Insurers to Rural and Social Sectors) (3rd & 4th Amendment) Regulations, /IRDA/F&U/NOT/FEB-08 2/11/2008 Regulation 4(1) and 4(4) of IRDA (Protection of Policyholders Interests) Regulatoins, /IRDA/F&U/ORD/FEB-08 2/11/2008 Induction of Sri Prabodh Chander, Executive Director as Member of Committee of Surveyors & Loss Assessors 58 IRDA/REG/3/44/2008 2/18/2008 Gazette Notification - IRDA (Registration of Indian Insurance Companies) (2nd Amendment) Regulations, /IRDA/SCH/MAR-08 3/7/2008 Complaints of Sr. Citizens relating to Mediclaim policies of Public Sector General Insurance Companies /IRDA/Actl/March-08 3/12/2008 Minimum Sum Assured under Unit Linked Life Insurance Products 61 IRDA/F&A/060/Mar-08 3/11/2008 IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, IRDA/F&A/062/Mar-08 3/12/2008 IRDA (Mico-Insurance) Regulations, Micro Insurance Agents /IRDA/Memo/ /18/2008 Corporate Houses promoting insurance broking companies in addition to doing insurance business /IRDA/ACTL/March /18/2008 Life Insurance Products - Amendments to existing categories under File & Use /IRDA/ACL/RSM/ /24/2008 Determination of Required Solvency Margin under Life Insurance Business 66 IRDA/DB-009/02 3/19/2008 Cancellation of Direct Broker license of M/s Armour Consultants Pvt. Ltd /IRDA/F&U/Mar-08 3/26/2008 File & Use Guidelines for General Insurance Products & Relaxation of Price Controls 68 70/IRDA/AGENCY/March /31/2008 Insurance Qualification of the Insurance Agent 69 IRDA/F&A/CIR/069/APR-08 4/2/2008 Submission of Health Premiums by Life Insurers 70 IRDA/DB-159//03 4/9/2008 Cancellation of Direct Broker License of M/s Bhooma Insurance Broking Services Pvt. Ltd. 71 IRDA/DB-184/03 4/17/2008 Cancellation of Direct Broker License of M/s IMRP Insurance Services Pvt. Ltd. 183

200 ANNUAL REPORT Sl.No. Ref. No. Date of Issue Subject 72 4/25/2008 List of Third Party Administrators updated on /30/2008 List of Borkers updated on /8/2008 Registration of Canara HSBC Oriental Bank of Commerce Life Ins. Co. Ltd. as a Life Insurer under Sec.3 of Insurance Act, /13/2008 Report of the Committee on Distribution Channels 76 IRDA/DB-040/02 5/29/2008 Cancellation of Direct Broker License of M/s Pegasus Insurance Brokers Pvt. Ltd. 77 6/27/2008 Registration of Aegon Religare Life Ins. Co. Ltd. as a Life Insurer and Bharti Axa Genenral Ins. Co. Ltd. as General Insurer under Sec.3 of Insurance Act, /IRDA/Ord/Life.Ins.Council/July, /4/2008 Induction of Sri Kunnel Prem as Member on the Executive Committee of Life Insurance Council in place of Sri CR Muralidharan 79 7/25/2008 Notice of Examination to the Trainee Surveyors to be conducted by Insurance Institute of India, Mumbai 80 IRDA/DB-200/03 8/7/2008 Cancellation of Direct Broker License of M/s SMS Insurance Services Pvt. Ltd /IRDA/F&A/Aug-08 8/13/2008 IRDA (Assets, Liabilities and Solvency Margin of Insurers) Regulations, /20/2008 Constitution of a Committee to look into International Financial Reporting Standards compliance and position various policy measures. 83 8/21/2008 Public Notice - Intiamtion of M/s Reliant Money Insurance Brokers and Financial Services not licensed with IRDA and they working illegally. 84 8/22/2008 Intimation of revisions in Regulations on Investment of Insurance Companies. 85 INV/CIR/008/ /22/2008 IRDA (Investment) (Fourth Amendment) Regulations, /IRDA/Brok-Comm/Aug-08 8/25/2008 Limits on payment of commission or brokerage on general insurance business with effect from 1st October, /16/2008 Satisfactory state of Solvency margins of both life and general insurance companies promoted by M/s TATA Sons and AIG to meet their liabilities 184

201 ANNUAL REPORT ANNEX X ANNUAL STATEMENT OF ACCOUNTS FOR THE YEAR ENDED MARCH 31,

202 ANNUAL REPORT

203 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Balance Sheet as at 31 st March 2008 FORM - A FIGURES FOR THE LIABILITIES FIGURES FOR THE FIGURES FOR THE ASSETS FIGURES FOR THE PREVIOUS YEAR CURRENT YEAR PREVIOUS YEAR CURRENT YEAR (Rs.) (Rs.) (Rs.) (Rs.) GENERAL FUND FIXED ASSETS (See Note 1) as per Annexure I 30,220,890 Gross Block of Assets 32,999,688 i) IRDA Fund [See Note 4] 17,639,842 Less: Depreciation 21,884, ,244 - At beginning of the year 893,244 12,581,048 Net Block of Assets 11,115, Receipts in the year - 893,244 - Balance at end of the year 893,244 ii) Capital Fund INVESTMENTS [See Note 2] - - Capital Grants - (Method of Valuation - at Cost] - - Balance at the beginning of the year - - Add: Value of Fixed Assets received as grants during the year - - i) Securities of Central and State Government ii) Units - iii) Surplus and Funds 2,337,834,143 iii) Fixed Deposits with scheduled Bank 3,375,387,177 1,295,133,873 -Balance as per last Balance Sheet 1,968,280,808 - iv) Others Add: Excess of Income over expenditure as per Income 673,146,935 and Expenditure Account - Annexed 947,895,389 CURRENT ASSETS, LOANS AND ADVANCES [See Note 3] Less: Excess of Expenditure Over Income as per Income - and Expenditure Account - Annexed - 981,154 i) Deposits with agencies 880,306 1,968,280,808 - Balance at the end of the year 2,916,176,197 25,607,257 ii) Loans and Advances to Staff 38,873,030 69,100 iii) Amount Due from Insurance Companies & Others 106,500 - iv) Gift and Donations - 98,753,216 iv) Other Current Assets 114,871,246 v ) Cash & Bank Balances - v ) Other Balances - 45,000 a) Cash in Hand(including cheques in hand and cash in transit) 55,000 - LOANS 6,083,017 b) Bank Balances 6,278,088 - i) Secured (stating the security offered for the purpose) - - ii) Unsecured - - iii) Loan from Government of India - - iv) Other Loans - 187

204 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Balance Sheet as at 31 st March 2008 FORM - A FIGURES FOR THE LIABILITIES FIGURES FOR THE FIGURES FOR THE ASSETS FIGURES FOR THE PREVIOUS YEAR CURRENT YEAR PREVIOUS YEAR CURRENT YEAR (Rs.) (Rs.) (Rs.) (Rs.) CURRENT LIABILITIES AND PROVISIONS [See Note 5] i) SUNDRY CREDITORS: 51,336 - for Capital Items 58,676 56,885,314 - for Other Items 24,827,208 ii) PROVISIONS: 106,500 -Provision for doubtful debts and advances 106, Provision for depletion in value of investment - iii) OTHER LIABILITIES: - 1. Unspent Grants Interest payable to Government/Other Loans - 3. Provident, Retirement & Other Welfare Funds: (a) Provident Fund 550, (b) Other Welfare Funds 7,549,089 (c) Retirement Benefit Fund and Staff Benefit Fund: 9,997, Others (Specify) 1,210,790 -other Liabilites (Tax deducted at source) 766, ,884,106 -Registration Renewal fee received in Advance 594,071,311 92,747 -Soft Furnishing Recovery 119,077 2,481,953,934 3,547,566,567 2,481,953,934 3,547,566,567 Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IX Notes - 1 The information relating to Fixed Assets is given in Annexure I. 2 The information relating to Investments is given in Annexure II. 3 The information relating to Current Assets,Loans and Advances is given in Annexure III. 4 Details of IRDA Fund is given in Annexure IV (Fund includes grants received from Central Government, other organisations and bodies in terms of Section 16 of the Act). 5 Details of Contingent Liabilities is given in Annexure V. 6 All information relating to significant accounting policies and notes forming part of accounts is given in Annexure IX. 7 All annexures to Statement of Affairs and notes/information relating to accounting policy forming part of Accounts. ( R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member ( K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayana) Member Member Chairman 188

205 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD INCOME AND EXPENDITURE ACCOUNT FOR THE YEAR ENDED 31ST MARCH 2008 FORM - B FIGURES FOR THE EXPENDITURE FIGURES FOR THE FIGURES FOR THE INCOME FIGURES FOR THE PREVIOUS YEAR CURRENT YEAR PREVIOUS YEAR CURRENT YEAR (Rs.) (Rs.) (Rs.) (Rs.) 2,508,804 Payment to Chairperson and Members 4,322,264 Grants in Aid 39,967,022 Payment to and Provision for members of Staff [See Note 1] 52,298,640 - Received - 98,117,694 Establishment Expenses [See Note 2] 58,976,488 - Receivable - 1,527,943 Rent 1,657,283 - Less: Transferred to Capital Fund - - Research & Consultation Fees - Fees: - Seminars,Conference, Publications, etc.[see Contra] - Registration Fees - Interest - 1,525,845 Surveyors Fees 2,112,455 3,493,508 Depreciation 4,244,625 50,000 Registration Fee- Insurer 250,000 Capital Assets Written Off Registration Fees - Agents Loss on Write Off of Asset 800,000 Registration Fee- Broker 690,000 - Provison for doubtful debts and advances Registration Fees - TPA 50,000 Development Expenditure 2,327,621 Promotional Epxenditure 2,268,079 40,883 Other Expenses 242,143 Renewal Fees 2,112,969 Fringe Benefit Tax 1,307, ,616,957 Renewal of Licences - Insurer 424,992, ,146,935 Excess of Income Over Expendiutre for the year carried down 947,895, ,858,450 Renewal of License - Agents 346,882,100 13,782,509 Renewal of Licence-Brokers 17,313,072 60,000 Renewal of Licence - TPA 390,100 - Others 2,000,000 Penalties,Fines etc. 2,501,601 Seminar, Conferences and Publications etc. Income from investments - Interest on deposits with Scheduled Banks 160,715,567 Interest on Deposits 274,106,946 Interest on advances 657,776 i) granted to members of staff for housing & 1,153,748 other purposes 305,680 ii) Others 0 790,594 Miscellaneous Income 2,770, ,243,378 1,073,212, ,243,378 1,073,212,847 Significant Accounting Policies and Notes Forming Part of Accounts - Annexure IX Notes The information relating to payment to and provisoin for employees is given in Annexure VI. The information relating to establishment expenses is given in Annexure VII. The information relating to interest amount is given in Anenxure VIII. All Annexures to Income and Expenditure Account and Notes/Information relating to Significant Accounting Policies form part of accounts. ( R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member ( K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 189

206 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD RECEIPTS AND PAYMENTS ACCOUNT FOR THE YEAR ENDED MARCH 31, 2008 FORM - C SL.NO. RECEIPTS AMOUNT SL.NO. PAYMENTS AMOUNT (Rs.) (Rs.) 1 To Balance brought forward By Opening Balance (Book Over Draft in Bank Of India A/c) - Refer Notes to Accounts 1,471,955 i) Cash at Bank 6,083,016 1 By Research and Consultation Fees - ii) Cash in hand 45,000 2 By Seminars, Conference, Publications etc. - iii) Cheques on hand 3 By Rent Payments 1,783,021 iv) Cash / Cheques in transit - 4 By Development Expenditure 2 To Registration Fees 5 By Promotional Expenditure 2,268,079 -Insurance Companies 250,000 6 By Payment to Chairperson and Members -Third Party Administrators 50,000 (i) Pay and Allowances 3,861,947 -Insurance Brokers 315,000 (ii) Other Benefits 257,345 -Insurance Agents (iii) Travelling Expenses 15,605,911 -Insurance Surveyor 2,112,455 7 By Establishment Expenses -Others (i) Pay and Allowances 43,739,830 3 To Registration Renewal Fees (ii) Other Benefits 2,997,795 -Insurance Companies 570,967,069 (iii) Travelling Expenses 11,326,717 -Third Party Administrators 390,100 (iv) Retirement Benefits 4,226,907 -Insurance Surveyors 8 By Office Expenses 61,780,381 -Insurance Agents 348,094,335 9 By Interest on -Insurance Brokers 17,313,072 (i) Government Loans - -Others (ii) Other Loans - 4 To Penalties,Fines from insurers and intermediaries 2,501, By Purchase of Assets 2,778,798 5 To Seminar,Conferences etc. 11 By Capital Work-in-Progress 6 To Income from Investments 12 By Advances to staff and others including travel advance 20,317,200 7 To Sale of Investments 2,293,834, By Investments 3,331,387,177 8 To Grants 14 By Repayment of Government Loans/ fees i) Central Government / State Govt/ Others 15 By Repayment of Other Loans ii) Gift and Donations 16 By Other Expenses 9 To Loans 17 By Payments to IIRM 5,826, To Sales of Publication etc. 18 By Fringe Benefit Tax 1,307, To Sale of Assets 19 By Security deposit paid 441, To interest received on 20 By Payment to PFRDA 348,782 - Deposits 266,404,519 By Payment to Thirteenth Finance Commission 2,348,823 - Advances - Others 13 To Recoveries from Employees (a) Loans and Advances 8,040,332 By Balance carried forward (b) Interest on Loans and Advances 164,843 i) Cash at Bank 6,278,088 (c) Misc. Recoveries 138,595 ii) Cash in hand 55, To Other Receipts iii) Cheques in hand (a) Miscellaneous Income 2,632,133 iv) Cash/ Cheques in Transit - (b) Security deposit from Contractors 50,000 (c ) Security deposit received back 542,688 (d) Interest on Bank Account 481,016 3,520,409,917 3,520,409,917 (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member ( K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 190

207 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Schedule of Fixed Assets annexured to and forming part of Balance Sheet as on 31st March 2008 ANNEXURE I GROSS BLOCK DEPRECIATION NET BLOCK Particulars Cost as Additions Sold/Disposed Total as on As on For the year Adjustments As at As on As on During the Off During the Year Year Office Premises (a) Land (b) Building Residential Flats (a) Land (b) Building Vehicles 577, , ,960 33, ,953 97, ,295 Equipments 5,663, ,525 6,372,901 2,272, ,947-2,965,620 3,407,281 3,390,703 Furniture and Fixtures 6,179, ,038 6,915,177 2,817, ,340-3,527,701 3,387,476 3,361,778 Computers 17,267,864 1,149,888 (67,435) 18,350,317 11,570,592 2,547,828 14,118,421 4,231,896 5,697,272 Books 533, ,517 (8,735) 784, , , ,773 (8,735) - Total 30,220,890 2,854,968 (76,170) 32,999,688 17,639,842 4,244,625-21,884,46811,115,220 12,581,048 (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member ( K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 191

208 ANNUAL REPORT ANNEXURE II INSURANCE REGULATORY AND DEVELOMENT AUTHORITY, HYDERABAD Attached to and Forming Part of Balance Sheet as at 31 March 2008 INVESTMENTS Deposited with Start Date Amount of Deposit % of Maturity Period Interest accrued Interest Date but not due Andhra Bank 30-Jun-05 50,000, % 30-Jun ,872,717 50,000,000 9,872,717 Bank of India, Basheerbagh 24-Jun-03 5,000, % 24-Jun ,671,245 Bank of India, Basheerbagh 30-Jun-03 5,000, % 27-Jun ,664,610 Bank of India, Basheerbagh 17-Jul-07 40,000, % 17-Jul ,796,531 Bank of India, Basheerbagh 20-Jul-07 20,000, % 20-Jul ,381,671 Bank of India, Basheerbagh 18-Aug-07 8,000, % 18-Aug ,328 Bank of India, Basheerbagh 26-Oct-07 7,000, % 26-Oct ,178 Bank of India, Basheerbagh 10-Oct-07 15,000, % 10-Oct ,588 Bank of India, Basheerbagh 1-Nov-07 5,000, % 1-Nov ,744 Bank of India, Basheerbagh 1-Nov-07 17,500, % 1-Nov ,103 Bank of India, Basheerbagh 7-Nov-07 6,000, % 7-Nov ,890 Bank of India, Basheerbagh 17-Dec-07 15,000, % 17-Dec ,295 Bank of India, Basheerbagh 17-Dec-07 45,000, % 17-Dec ,197,884 Bank of India, Basheerbagh 24-Dec ,000, % 24-Dec ,753,025 Bank of India, Basheerbagh 28-Dec ,000, % 28-Dec ,812, ,500,000 18,162,056 Bank of Maharashtra 7-Nov-07 7,603, % 11-Jul ,028 Bank of Maharashtra 22-Sep-07 10,866, % 22-Sep ,370 Bank of Maharashtra 6-Oct-07 10,000, % 6-Oct ,238 Bank of Maharashtra 3-Oct-07 10,000, % 3-Oct ,406 Bank of Maharashtra 11-Jan-08 6,000, % 11-Jan ,500 Bank of Maharashtra 11-Jan-08 5,563, % 11-Jan ,663 Bank of Maharashtra 14-Jan-08 16,436, % 13-Jan ,509 Bank of Maharashtra 4-Mar-08 17,500, % 3-Mar ,431 Bank of Maharashtra 11-Mar-08 30,000, % 11-Mar ,375 Bank of Maharashtra 23-Mar-08 13,394, % 23-Mar , ,364,882 2,706,940 HDFC Bank 2-Aug-07 27,500, % 5-Aug ,800,924 27,500,000 1,800,924 ICICI Bank, Himyatnagar 23-Aug-07 17,000, % 22-Aug ,382 ICICI Bank, Himyatnagar 18-Sep-07 17,000, % 18-Sep ,317 ICICI Bank, Himyatnagar 20-Dec-07 55,058, % 20-Dec ,440,801 ICICI Bank, Himyatnagar 22-Dec-07 43,552, % 22-Dec ,117,131 ICICI Bank, Himyatnagar 24-Dec-07 76,388, % 24-Dec ,919,800 Contd

209 ANNUAL REPORT Deposited with Start Date Amount of Deposit % of Maturity Period Interest accrued Interest Date but not due ICICI Bank, Himyatnagar 31-Mar ,000, % 30-Mar ,118 ICICI Bank, Himyatnagar 31-Mar ,000, % 30-Mar , ,000,000 6,421,667 ING Vysya Bank Ltd 22-Jan-08 8,000, % 22-Jan ,778 ING Vysya Bank Ltd 24-Jan-08 6,500, % 24-Jan ,639 ING Vysya Bank Ltd 31-Jan-08 7,296, % 31-Jan ,447 ING Vysya Bank Ltd 2-Feb-08 9,500, % 2-Feb ,910 ING Vysya Bank Ltd 2-Feb-08 9,703, % 2-Feb ,084 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar ,319 ING Vysya Bank Ltd 31-Mar-08 5,000, % 31-Mar , ,000, ,691 Karur Vysya Bank, RP Road 20-Jun-07 30,000, % 20-Jun ,576,375 Karur Vysya Bank, RP Road 26-Jun-07 5,000, % 26-Jun ,939 Karur Vysya Bank, RP Road 27-Jun-07 5,000, % 27-Jun ,362 40,000,000 3,414,676 Oriental Bank of Commerce 3-Apr-07 35,000, % 3-May ,867,545 Oriental Bank of Commerce 29-May-07 15,000, % 29-May ,358,016 Oriental Bank of Commerce 31-Aug-07 17,500, % 31-Aug ,225 Oriental Bank of Commerce 5-Sep-07 20,000, % 5-Sep ,121,693 Oriental Bank of Commerce 27-Sep-07 12,000, % 27-Sep ,920 Oriental Bank of Commerce 12-Oct-07 8,000, % 12-Oct ,690 Oriental Bank of Commerce 22-Nov-07 11,000, % 22-Nov ,641 Oriental Bank of Commerce 23-Nov-07 7,500, % 23-Nov ,574 Oriental Bank of Commerce 5-Dec-07 15,000, % 5-Dec ,441 Oriental Bank of Commerce 12-Dec-07 55,000, % 12-Dec ,532,747 Oriental Bank of Commerce 28-Dec-07 9,522, % 28-Dec ,926 Oriental Bank of Commerce 28-Dec-07 50,000, % 28-Dec ,191,551 Oriental Bank of Commerce 28-Dec-07 50,000, % 28-Dec ,191,551 Oriental Bank of Commerce 31-Dec-07 35,000, % 31-Dec ,

210 ANNUAL REPORT Deposited with Start Date Amount of Deposit % of Maturity Period Interest accrued Interest Date but not due Oriental Bank of Commerce 31-Dec-07 50,000, % 31-Dec ,153,121 Oriental Bank of Commerce 3-Jan-08 50,000, % 3-Jan ,114,972 Oriental Bank of Commerce 3-Jan-08 17,000, % 3-Jan ,091 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar ,847 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar ,847 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar ,847 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar ,847 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar ,847 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar ,847 Oriental Bank of Commerce 31-Mar-08 50,000, % 31-Mar , ,522,295 16,992,820 State Bank Of Hyderabad 20-Apr-07 80,000, % 20-Apr ,616,668 80,000,000 8,616,668 State Bank of India - PB 12-Apr-07 30,000, % 12-Apr ,228,929 State Bank of India - PB 31-Mar ,000, % 31-Mar , ,000,000 3,311,429 Syndicate Bank 30-Jun-07 10,000, % 3-Jun ,469 Syndicate Bank 3-Jul-07 18,000, % 3-Jul ,403,056 Syndicate Bank 20-Dec-07 50,000, % 20-Dec ,256,631 Syndicate Bank 22-Dec-07 15,000, % 22-Dec ,529 Syndicate Bank 26-Dec-07 70,000, % 26-Dec ,654,845 Syndicate Bank 27-Dec ,000, % 27-Dec ,795,355 Syndicate Bank 31-Mar ,000, % 31-Mar , ,000,000 10,367,995 Vijaya Bank 16-Feb-08 17,500, % 16-Feb ,875 Vijaya Bank 5-Mar-08 30,000, % 5-Mar ,500 Vijaya Bank 5-Mar-08 20,000, % 5-Mar ,000 Vijaya Bank 19-Mar-08 10,000, % 19-Mar ,486 Vijaya Bank 27-Mar-08 21,000, % 27-Mar ,021 98,500, ,882 Grand Total 3,375,387,177 82,992,466 (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 194

211 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Attached to and forming part of balance sheet as at 31st March 2008 CURRENT ASSETS, LOANS AND ADVANCES 195 ANNEXURE III PARTICULARS Figures for the Figures for the Current Year Previous Year Rs Rs DEPOSITS -For Premises 545, ,001 -with Others - MTNL 67,730 38,030 -with Electricity 259, ,123 -For Fuel 7,650 4, , ,154 LOANS & ADVANCES TO STAFF -Housing Loan to Staff 15,257,911 15,437,045 -Loans to Staff for other purposes 6,846,850 7,528,503 -Other Advances - Festival 395, ,170 -Interest Recoverable 3,125,993 2,137,088 -Advance - others 13,246, ,451 TOTAL 38,873,030 25,607,257 AMOUNTS DUE FROM INSURANCE COMPANIES & OTHERS -Insurance Companies -[Indicates the amount due from State Insurance Companies] 69,100 69,100 -Agents - [Indicates the amount of expired cheques in hand received from agents earlier] 37,400 - TOTAL 106,500 69,100 Other Current Assets -Expense Recoverable - - -Prepaid Expenses 1,082, ,766 -Interest Accrued but not due - Bank deposits 82,992,467 75,771,058 -Amount recoverable- others 59, ,443 -Advances on Capital Account - [For software development] 204, Advance to Institute of Insurnace and Risk Management 27,562,520 21,736,133 - Advance to PFRDA - - -Other -Advance for Travel 620, ,816 -Advance to IRDA Superannuation Trust - - -Advance tothirteen firnance Commission 2,348,823 - TOTAL 114,871,246 98,753,216 CASH AND BANK BALANCES -Cash in hand 55,000 45,000 -Cheques in hand - - -Cash/ Cheque in transit - - -Balances with Scheduled Banks (a) In Current Account 5,793,500 5,993,730 (b) on Deposit Account - - (c) on savings bank Account 484,588 89,287 TOTAL 6,278,088 6,083,017 -Balance with Non Scheduled Bank (a) In Current Account - - (b) In Deposit Account - - TOTAL - - (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman

212 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Attached to and forming part of balance-sheet as on 31st March 2008 ANNEXURE IV PARTICULARS Figures for the Figures for the Current Year Previous Year Rs Rs Grant from Government of India - - Total - - (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Attached to and forming part of balance-sheet as on 31st March 2008 ANNEXURE V CONTINGENT LIABILITIES PARTICULARS Figures for the Figures for the Current Year Previous Year Rs Rs (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 196

213 ANNUAL REPORT ANNEXURE VI INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Attached to and forming part of Income and Expenditure Account for the year ended 31st March 2008 PAYMENTS TO AND PROVISIONS FOR EMPLOYEES PARTICULARS Figures for the Figures for the Current Year Rs Previous Year Rs i) Salaries, Allowances, Wages and Bonus 46,225,902 30,711,088 ii) Contribution to Provident Fund, etc [including contribution to 2,044,786 4,648,498 superannuation fund of Rs 14,05,288/-] iii) Gratuity 1,014, ,059 iv) Staff Welfare Expenses 373, ,776 v) Others -Book Grant - - -Leave Travel Concession 750, ,951 -Insurance - - -Canteen Expenses - - -Monetary Award - Studies - - -Contribution to Group Insurance Scheme 881, ,421 -Reimbursement of expenses incurred by Staff 1,008, ,848 -Leave Salary 0 1,065,381 TOTAL 52,298,640 39,967,022 (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 197

214 ANNUAL REPORT ANNEXURE VII INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD Attached to and forming part of Income and Expenditure Account for the year ended 31st March 2008 ESTABLISHMENT EXPENSES PARTICULARS Figures for the Figures for the Current Year Previous Year Rs Rs Repairs & Maintenance of Buildings & Premises 1,466,045 1,311,543 House Keeping - Office Maintenance 549, ,994 Repairs & Maintenance of Equipments - - Repairs and Maintenance - Others - - Electricity & water Exp 1,362,091 1,295,324 Insurance exp 224,002 18,424 Rates and Taxes - - Printing and Stationery 1,244,546 1,303,212 Books/Journals etc. 45,025 33,488 Postage, Telegraphs, Telephones, etc. 4,802,957 2,738,735 Travelling and Conveyance Inland 15,639,819 11,674,239 Travel - Foreign 11,199,186 6,966,707 Legal and Professional charges 5,847,443 17,886,533 Education/Training/R&D/Grievances Redressal Expenses - - Audit Fees 260, ,000 Software - - Publicity & Advertisement 8,643,932 47,280,351 Recruitment - - Expenses of Meetings of Authority & Advisory Committee & Other meeting expenses including daily allowances paid to the members of the Committee 2,198,714 3,188,934 Membership and Subscription 1,991,994 1,507,392 Security Services 445, ,349 Web Portal Development Expenses - 0 Canteen Exp 2,344, ,918 Car Repair and Maintenance Expenses 161,318 38,670 Other Expenses 550, ,883 TOTAL 58,976,488 98,117,694 (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 198

215 ANNUAL REPORT INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY, HYDERABAD ANNEXURE VIII Attached to and forming part of Income and Expenditure Account for the year ended 31st March 2008 PARTICULARS Figures for the Figures for the Current Year Rs Previous Year Rs Government - - Banks - - Others - - TOTAL - - (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 199

216 ANNUAL REPORT THE INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY NOTES TO THE ANNUAL STATEMENT OF ACCOUNT FOR THE YEAR [Unless otherwise specified, all amounts are in rupees] ANNEXURE IX 1. BACKGROUND INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY (The Authority) was established by an Act of Parliament Insurance Regulatory & Development Authority Act, 1999 [Act] - and was constituted on April 19, 2000 by a notification issued in the Gazette of India. The Authority was established with a view to protecting the interests of the holders of insurance policies, to regulate, promote and ensure orderly growth of the insurance industry and for matters connected therewith or incidental thereto, issue to the applicant a certificate of registration, renew, modify, withdraw, suspend or cancel registration, and levy fees and other charges for carrying out the purposes of the Act. The Authority, in terms of section 13 of the Act has been vested with the assets and liabilities of the Interim Insurance Regulatory Authority as are available on the appointed day i.e. April 19, In terms of section 16 of the Act a fund shall be constituted namely The Insurance Regulatory and Development Authority Fund [Fund]. The Fund shall constitute of all Government grants, fees and charges received by the Authority, all sums received by the Authority from such other source as may be decided upon by the Central Government and the percentage of prescribed premium income received from the insurer. The Fund shall be applied for meeting the salaries, allowances and other remuneration of the members, officers and other employees of the Authority and the other expenses of the Authority in connection with discharge of its functions and for the purposes of the Act. 2. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The financial statements are prepared under the historical cost convention, on the accrual basis of accounting save for revenue recognition on cash basis as explained hereunder, and in accordance with the applicable standards on accounting issued by the Institute of Chartered Accountants of India. The significant accounting policies are as follows: (a) Fixed assets and depreciation Fixed assets are stated at cost less accumulated depreciation. Depreciation on fixed assets is provided prorata to the period of use on reducing balance method using rates determined based on the rates specified in Schedule XIV to the Companies Act, Assets costing less than 5,000 have been depreciated 100% in the year of purchase unless the assets constitutes more than 10% of the respective block, in which case the asset is depreciated at the rates specified in the said Schedule XIV. (b) InvestmentsInvestments in the nature of fixed deposits with banks are stated at cost. (C) Revenues (i) Registration Fee(a) Received from insurer seeking for the first time, registration for carrying on any class of insurance business in India is treated as income of the year of receipt. (b) Received in advance from insurers for renewal of registration is treated as income of the year to which it relates. (ii) Licence FeeLicence fee received from insurance agents, surveyors, brokers and other insurance intermediaries is treated as income of the year of receipt. Licences issued to insurance agents, surveyors, brokers and other insurance intermediaries are current for those years from date of issue and subject to renewal at the end of their currency. It is not practicable to distribute the Licence fee over the years to which they relate. 200

217 ANNUAL REPORT (iii) Grant from Ministry of Finance, Government of IndiaInitial Grant received has been treated as income of the year in which it is received. (d) Foreign currency transactionsnon-monetary foreign currency transactions are recorded at rates of exchange prevailing on the dates of the transactions. Monetary foreign currency assets and liabilities are translated into rupees at the rates of exchange prevailing on the balance sheet date. The differences in translation of foreign currency liabilities related to the acquisition of fixed assets are adjusted in the carrying value of fixed assets. Other translation differences are reflected in the Income and Expenditure Account. (e) Web Portal Development and MaintenanceExpenses incurred on Web Portal Development and Maintenance is charged to the Income and Expenditure Account in the year of incurrence. (f) Retirement benefitsretirement benefits to employees comprise contribution to provident fund, gratuity fund, Superannuation fund and provision of leave encashment, which are provided in accordance with the Regulations made under the Act. Leave encashment is provided for at the current encashable salary for the entire unavailed leave balances.the Authority contributes to IRDA Employees Provident Fund and IRDA Superannuation Fund trust. The liability for gratuity is determined based on actuarial valuation, in accordance with gratuity scheme framed by the Authority. 3. INCOME-TAXNo income tax provision has been made in view of income of the Authority being exempt under section 10 (23BBE) of the Income-tax Act, REGISTRATION / RENEWAL FEES (a) In pursuance of Authority s decision to scale down the levy of renewal fees for registration on the insurers to 0.1% of the gross premium from 0.2% of the gross premium, retrospectively for the financial years with effect from April 01, 2001, the income for the year has been accordingly accounted for. (b) The renewal fees from some of the State Insurance agencies have not been accounted for in the absence of information of gross insurance premium. 5. DEPOSIT OF FUNDS OF THE AUTHORITY INTO PUBLIC ACCOUNT OF INDIAThe Authority, in the previous years received a letter from Ministry of Finance, Department of Economic Affairs dated July 17, 2002, July 9, 2005, July 18 & September 13, 2006 and 28 February 2008 directing the Authority to deposit the moneys so far collected by the Authority in the Public Account of India as non-interest bearing account and allowing the Authority to withdraw a specified amount in the beginning of each year from the said Public Account for meeting its expenditure. The Authority based on a legal opinion obtained has requested for review of the direction received, in its view the funds raised by it from the insurers and the intermediaries do not have the character of Government Revenue and cannot form part of the Public Fund of India. The issue is still under correspondence. 6. HEADQUARTERS OF THE AUTHORITYThe Authority, in pursuance of the decision taken by the Government of India in November 2001 to shift the Headquarters of the Authority from New Delhi to Hyderabad, shifted the actuarial department in April 2002, other departments in August 2002 and the Surveyors Department in October The office of the Authority is located in Parisrama Bhavan where third floor and a portion of fifth floor have been given to it on rent by Andhra Pradesh Industrial Development Corporation Limited [APIDC] The Government of Andhra Pradesh through A. P. Industrial Infrastructure Corporation Limited [APIIC] has allotted a plot of five acres land in the financial district at Nanakramguda Village, Serilingampally Mandal, RR District, Hyderabad free of cost, the legal title was transferred in the month Oct OPERATING LEASESThere are no non-cancellable lease arrangements. The lease payments are made in accordance with the lease agreements. The Authority is in occupation of portion of premises at Hyderabad at free of rent but is obliged to hand over the premises on a as 201

218 ANNUAL REPORT is where is basis to Andhra Pradesh Industrial Development Corporation Limited upon vacation. The lease payments in respect of other premises including the premise occupied at Delhi recognized in the income and expenditure account is Rs. 16,57,283/- [Previous year Rs. 15,27,943/-]. 8. OPENING BALANCE BOOK OVERDRAFT OF Rs.14,71,955Authority is having a bank account with Bank of India, Basheer Bagh. There was a book overdraft of Rs.14,71,955 as on The same was clubbed under the head Advance to staff and other including travel advance in the Receipt & Payment Account for the year ended on The same has been carried forward and disclosed on the Payment side of Receipts and Payment Account as credit balance. 9. Bank Balances as on There is a difference of Rs /- in the bank balance of Bank of India, Basheer Bagh. The difference has been charged to interest income.- There is a difference of Rs /- in the balance certified by ICICI Bank Ltd, Himayat Nagar Branch. The difference has been adjusted in the interest income. These differences will be reconciled during the financial year As result of these differences, interest income on deposit is overstated by Rs. 1,26,350/ PRIOR YEAR COMPARATIVESPrevious year figures have been regrouped, wherever considered necessary to make them comparable with the current year s figures. (R K Sharma) (G.Prabhakara) (R.Kannan) Chief Accounts Officer Member Member (K.K. Srinivasan) (C.R. Muralidharan) (J. Hari Narayan) Member Member Chairman 202

219 ANNUAL REPORT ANNEX XI ADDRESSES OF INSURERS AND OMBUDSMEN 203

220 ANNUAL REPORT

221 ANNUAL REPORT LIFE INSURERS SL.NO. INSURER PRINCIPAL OFFICER POSTAL ADDRESS CONTACT DETETAILS 1 Reliance Life Insurance Shri P. Nandagopal 1st Floor, Midas, Tel : / Company Ltd. Sahar Plaza Complex, Fax: Next to Kohinoor Hotel, Andheri-Kurla Road, Andheri (East), Mumbai Aviva Life Insurance Co. Shri Bert Paterson 5 th Floor, Tel: /01, Pvt. Ltd. JMD Regents Square Building Fax: Gurgaon Mehrauli Road. Gurgaon Bajaj Allianz Life Insurance Co. Shri Sam Ghosh G.E. Plaza, Airport Road Tel : Ltd. Yerawada Fax : Pune Near Marol Naka, Andheri (E), Mumbai Birla Sun Life Insurance Co. Ltd. Shri Vikram Mehmi 6 th Floor, Vaman Centre, Tel : Makhwana Road, Off Andheri Fax: Kurla Road Near Marol Naka, Andheri (E), Mumbai HDFC Standard Life Insurance Shri D.M. Satwalekar 2 nd Floor, A Wing Tel : Co. Ltd. Trade Star Building Fax: Near Hotel Kohinoor Continental Andheri Kurla Road, Andheri (East) Mumbai ICICI-Prudential Life Insurance Ms. Shikha Sharma ICICI Prulife Towers Tel : Co. Ltd. 1089, Appasaheb Marathe Marg Fax: Mumbai ING Vysya Life Insurance Shri Kshitij Jain 5 th Floor, ING Vysya House Tel : Co. Ltd. 22, M.G. Road Fax: Bangalore Kotak Mahindra Old Mutual Shri Gaurang Shah 9 th Floor, Godrej Coliseum, Tel : Life Insurance Co. Ltd. Behind Everard Nagar, Sion (East), Fax: , Mumbai Life Insurance Corporation Shri T. S. Vijayan Yogakshema, Jeevan Bima Marg Tel ; of India Post Box No Fax: Mumbai chairman@licindia.com 205

222 ANNUAL REPORT SL.NO. INSURER PRINCIPAL OFFICER POSTAL ADDRESS CONTACT DETETAILS 10 Max NewYork Life Insurance Shri Gary R. Benett 11 th Floor, DLF Square Tel : Co. Ltd. Jacaranda Marg Fax: DLF City, Phase II Gurgaon MetLife India Insurance Shri Rajesh Relan Brigade Seshamahal Tel : Co. Pvt. Ltd. No.5, Vani Vilas Road Fax: Basavanagudi Toll Free No Bangalore Sahara India Life Insurance Shri N.C. Sharma Sahara India Bhavan Tel: Co. Ltd. 1, Kapoorthala Complex, Aliganj, Fax: Lucknow SBI Life Insurance Co. Ltd. Shri Uday Sankar Roy Turner Morrison Building Tel : nd Floor, 16, Bank Street, Fax: Fort, Mumbai Shriram Life Insurance Shri R. Duruvasan Regd. Office : , Tel: Company Ltd. 3rd Floor, Anand Estate, Fax: Liberty Road, Himayat Nagar, Hyderabad TATA AIG Life Insurance Co. Ltd. Shri Trevor Bull Peninsula Tower Tel : Peninsula Corporate Park Fax : Ganpatrao Kadam Marg, Lower Parel, Mumbai Bharti AXA Life Insurance Co.Ltd. Shri Nitin Chopra 61/62, Kalpataru Synergy, Vakola, Tel: /6301 Opp. Grand Hyatt Hotel, Fax: Santacruz (E), Mumbai Future Generali India Dr. Kim Chai Ooi 001, Trade Plaza, Ground Floor Tel : Life Insurance Co. Ltd. 414, Veer Savarkar Marg, Fax: Prabhadevi Mumbai IDBI Fortis Life Insurance Co. Ltd. Shri G.V. Nageswara Rao Tradeview, Oasis Complex, Tel: /10 Kamala City, P.B. Marg Fax: Lower Parel (W) Mumbai

223 ANNUAL REPORT SL.NO. INSURER PRINCIPAL OFFICER POSTAL ADDRESS CONTACT DETETAILS 19 Canara HSBC OBC Shri Harpal S. Karlcut C/o Amsoft Systems, Tel: Life Insurance Co. Ltd. Unitech Trade Centre Fax: Sector - 43, Sushant Lok-I Opp. Park Plaza Hotel Gurgaon DLF Pramerica Life Shri Kapil Mehta DLF Centre Tel: Insurance Co. Ltd. Sansad Marg Fax: New Delhi Aegon Religare Life Shri Rajiv Jamkhedkar 45, Maker Chambers VI Tel: Insurance Co. Ltd. Nariman Point Fax: Mumbai

224 ANNUAL REPORT NON-LIFE INSURERS SL.NO. INSURER PRINCIPAL OFFICER POSTAL ADDRESS CONTACT DETETAILS 1 Agriculture Insurance Co. Shri M. Parshad 13 th Floor, Ambadeep Bldg, Tel : , of India Ltd. 14, K.G. Marg, Connaught Place, Fax : New Delhi aicho@aicofindia.org Web-site: 2 Bajaj Allianz General Shri Kamesh Goyal GE Plaza, 1 st Floor, Tel : Insurance Co. Ltd. Airport Road, Yerawada, Fax: Pune Cholamandalam General Shri M. Anandan DARE House, 2 nd Floor, Tel : Insurance Co. Ltd. New No.2 (Old No.234) Fax : NSC Bose Road, CHENNAI Export Credit Guarantee Shri Christy Fernandez 10 th Floor, Express Towers, Tel : Corporation Ltd Nariman Point, Fax : Mumbai HDFC-CHUBB General Insurance Shri Suresh Menon 6 th Floor, Leela Business Park, Tel : Co. Ltd Andheri-Kurla Road, Fax : Andheri(East) Mumbai ICICI Lombard General Shri Sandeep Bakshi Zenith House, Mahalaxmi Tel : Insurance Co. Ltd Keshavrao Khade Marg, Fax: MUMBAI IFFCO Tokio General Insurance Shri Ajit Narain 4 th & 5 th Floors, IFFCO Tower, Tel : Co. Ltd Plot No.3, Sector 29, Fax: GURGAON (Haryana) 8 National Insurance Co.Ltd. Shri V. Ramasaamy 3, Middleton Street, Tel : to 9 P.B. No. 9229, Fax : KOLKATA Reliance General Insurance Shri K. A. Somasekharan 570, Naigaum Cross Road, Tel.No Co. Ltd Next to Royal Industrial Estate, Board no: Wadala(West), Fax. No MUMBAI Royal Sundaram Alliance Shri Ajay Bimbhet Sundaram Towers, 45-46, Tel: Insurance Co. Ltd Whites Road, Royapetah Fax: CHENNAI ajay.bimbhet@in.royalsun.com Web-site: ww.royalsundaram.com 208

225 ANNUAL REPORT SL.NO. INSURER PRINCIPAL OFFICER POSTAL ADDRESS CONTACT DETETAILS 11 Tata AIG General Insurance Shri Dalip Verma Peninsula Corporate Park, Tel : Co. Ltd Nicholas Piramal Tower, 9th Floor Fax: Ganpatrao Kadam Marg gaurav.garg@tata-aig.com Lower Parel, MUMBAI The New India Assurance Shri B. Chakrabarti New India Assurance Bldg. Tel: , Co. Ltd. 87, M.G. Road, Fort, Fax: MUMBAI cmd. nia@newindia.co.in Web-site: 13 The Oriental Insurance Co. Ltd. Shri M. Ramadoss A-25/27, Asaf Ali Road Tel : New Delhi Direct: Fax: , , United India Insurance Co. Ltd. Shri G. Srinivasan 24, Whites Road Tel : CHENNAI Fax : Star Health & Allied Insurance Shri V. Jagannathan No.1 New Tank Street Tel : , Co. Ltd. Valluvarkottam High Road Fax : Nungambakkam CHENNAI Future Generali India Shri Deepak Sook 001, Trade Plaza, Ground Floor Tel : Insurance Co. Ltd. 414, Veer Savarkar Marg Fax: Prabhadevi Mumbai Apollo DKV Insurance Co. Ltd. Dr. Axel Munaretto The Masterpiece Tel: Golf Course Road, Sector - 54 Gurgaon Universal Sompo General Shri O.N. Singh , A - Wing Tel: Insurance Co. Ltd. Crystal plaza Fax: Opp. Infinity Mall, Link Road Andheri (W) Mumbai Bharti Axa General Shri Milind Chalisgaonkar RMZ Infinity, B-Tower Tel: Insurance Co. Ltd. 2nd Floor, No.3 Fax: Old Madras Road Bangalore Shriram General Shri J.S. Gujral E-8, EPIP, RIICO Tel: , 898, 900 Insurance Co. Ltd. Sitapura Fax: Jaipur

226 ANNUAL REPORT RE INSURER SL.NO. INSURER PRINCIPAL OFFICER POSTAL ADDRESS CONTACT DETETAILS 1. General Insurance Shri. Yogesh Lohia Suraksha, 6th Floor, 170, Tel. No. : Corporation of India J Tata Road Church Gate Fax : , Mumbai info@gicofindia.com Web : 210

227 ANNUAL REPORT INSURANCE OMBUDSMEN SL.NO. CENTRE OMBUDSMAN POSTAL ADDRESS CONTACT DETAILS 1. Ahmedabad Mr. Amitabh 2nd Floor, Ambica House, Tel: , Near C.U. Shah College, Fax: Navyug Colony, Ashram Road, insombahd@rediffmail.com Ahmedabad Bhopal Mr. N.A. Khan Janak Vihar Complex, 2 nd Floor, Tel: , , Malviya Nagar, Bhopal Fax: bimalokpalbhopal@airtelbroadband.in 3. Bhubaneswar Mr. S.K. Dhal 62, Forest Park, Tel: (direct) Bhubaneswar Fax: ioobbsr@dataone.in 4. Chandigarh Mr. K.M. Chadha S.C.O. No , 2nd Floor, Tel: Batra Building,Section 17-D, Fax: Chandigarh ombchd@yahoo.co.in 5. Chennai Mr. K. Sridhar Fatima Akhtar Court, 4th Floor, Tel: (old 312)Anna Salai, Fax: Teynampet, Chennai insombud@md4.vsnl.net.in 6. Delhi Mr. R. Beri 2/2 A, 1 st Floor, Tel: Universal Insurance Bldg. Fax: Asaf Ali RoadNew Delhi iobdelraj@rediffmail.com 7. Guwahati Mr. Sarat Chandra Jeevan Nivesh, 5 th Floor, Tel: Sarma Nr. Panbazar Overbridge Fax: S.R. RoadGuwahati omb_ghy@sify.com 8. Hyderabad Mr. P.A. Chowdary , 1 st Floor, Tel: Moin Court Lane Fax: Opp. Saleem Function hyd2_insombud@sancharnet.in Palace, A.C. Guards, Lakdi-ka-pul,Hyderabad Ernakulam Mr. James Muricken 2 nd Flr., CC 27/ 2603, Tel: Pulinat Building, Fax: Opp. Cochin Shipyard, iokochi@asianetglobal.com M.G. Road, ERNAKULAM Kolkata Mr. K. Rangabhashyam North British Building, Tel: , N.S.Road,3rd Floor, Fax: Kolkata iombkol@vsnl.net 11. Lucknow Mr. M.S. Pratap Jeevan Bhawan Phase-2, Tel: th FloorNawal Kishore Road, Fax: HazratganjLucknow ioblko@sancharnet.in 12. Mumbai Mr. R.K. Vashishtha 3rd Floor, Jeevan Seva Annexe, Tel: Above MTNL,S.V. Road, Fax: Santacruz (W),Mumbai ombudsman@vsnl.net 211

228 ANNUAL REPORT NOTES 212

229 okf kzd fjiksvz 2007&08 okf kzd fjiksvz iz/kku dk;kzy; rhljh eaft+y] ifjje Hkou c khjckx] gsnjkckn Qksu : QSDl : chek fofu;ked vksj fodkl Ákf/kdj.k osclkbv: bz&esy: irda@irda.gov.in fnyyh dk;kzy; igyh eaft+y] thou rkjk laln ekxz ubz fnyyh Qksu : QSDl : i

230 okf kzd fjiksvz 2007&08 Letter of Transmittal To The Secretary Department of Financial Services Ministry of Finance 3 rd Floor, Jeevandeep Building Parliament Street New Delhi December 10, 2008 Sir, In accordance with the provisions of Section 20 of the Insurance Regulatory and Development Authority Act, 1999, we are sending herewith a copy of the Annual Report of the Authority for the financial year ended 31 st March, 2008 in the format prescribed in the IRDA (Annual Report Furnishing of returns, statements and other particulars) Rules, 2000, notified on 14 th June, 2000 in Part II of Section 3, Sub Section (ii) of the Gazette of India, Extraordinary. ii

231 okf kzd fjiksvz 2007&08 fo k; lwph fe ku odro; vkbzvkjmh, dh Vhe leh{kk &09 dh ÁFkEk v)z o kz esa izn kzu 3 uhfr;k,oa dk;zøe v) lkeku; vkffkzd okrkoj.k 5 c) chek cktkj dk ewy;kadu 9 i) fo o chek ifjn ; 11 ii) Hkkjrh; chek m ksx 13 thou chek 13 xsj &thou chek 24 l) vuqla/kku rfkk fodkl fohkkx 34 n) leh{kk 35 (i) ikwfylh/kkjdksa ds fgrksa dh lqj{kk 35 (ii) chekdrkzvksa dh _.k kks/ku {kerk dk la/kkj.k 35 (iii) iquchzek dh fuxjkuh 36 (iv) chekdrkzvksa ds fuos kksa dh fuxjkuh 40 (v) LokLF; chek 43 (vi) xzkeh.k rfkk lkekftd {ks= esa O;olk; 47 (vii) foùkh; izfrosnu rfkk chekadd ekud 49 I) foùkh; izfrosnu 49 II) (v) fu;qdr chekadd iz.kkyh 50 (c) chekadu ds ekud 50 (viii) Qly chek 50 (ix) lw{e&chek 51 (x) izkf/kdj.k }kjk tkjh funsz k] vkns k rfkk fofu;e 50 (xi) lwpuk dk vf/kdkj vf/kfu;e] Hkkx II dk;ziz.kkyh vksj ifjpkyu dh leh{kk (i) chek vksj iqu%chzek daifu;ksa ds fofu;e 55 (ii) chek O;olk; ds lkfk lac) e/;lfk 55 - chek vfhkdrkz 55 - dkwiksszjsv vfhkdrkz 55 - chek nyky 56 - losz{kd rfkk gkfu fu/kkzjd 59 iii

232 okf kzd fjiksvz 2007&08 (iii) vfhk;ksx] vihy rfkk dksvz?kks k.kk 60 (iv) chek esa vurjkz Vªh; lg;ksx 60 (v) lkoztfud f kdk;r 62 (vi) chek la?k rfkk chek ifj kn~ 65 (vii) yksdikyksa dh dk;zi)fr 66 (viii) lfefr;k 67 (ix) izkf/kdj.k }kjk fu ikfnr ijke khz dk;ks± dh leh{kk 68 Hkkx III izkf/kdj.k ds os/kkfud dk;z,- vkosnd dks iathdj.k izek.ki= tkjh djuk] rfkk bl izdkj tkjh iathdj.k izek.ki= dks uohd r] la kksf/kr] okil ysuk] fuyacu vfkok fujlrhdj.ka 69 ch- ikwfylh fu:fir djus] ikwfylh/kkjdksa dk ukekadu] chek ;ksx; fgr] chek nkos dk fuivku] ikwfylh dk vh;iz.k ewy; vksj chek lafonk ds vu; fu;e rfkk krksz ds laca/k esa ikwfylh/kkjdksa ds fgrksa dh lqj{kka 70 lh. e/;lfk ;k chek e/;lfk sa ;k vfhkdrkzvksa ds fy, mi;qzdr ;ksx;rk, ] vkpj.k lafgrk rfkk O;kogkfjd izf k{k.k fufnz V djuka 71 Mh. losz{kdksa vksj gkfu fu/kkzjdksa ds fy, vkpj.k lafgrk fufnz V djuka 71 Ã. chek O;olk; esa dk;z{kerk dks c<+kok nsuka 71,Q. ches vksj iqu%chzek O;olk; ds lkfk tqm+s O;kolkf;d laxbuksa dks c<+kok nsuk rfkk mudk fofu;eu djuka 72 th. vf/kfu;e 66 ds iz;kstuksa ds fy, kqyd rfkk vu; njsa olwyuka 72,p- chek O;olk; ls tqm+s chekdrkzvkas] e/;lfkksa] chek e/;lfkksa rfkk vu; laxbuksaads vkwfmv lfgr muls tkudkjh cqyokuk] fujh{k.k,oatkap rfkk vuos k.ka 72 vkã- lk/kkj.k chek O;olk; ds laca/k esa chekdrkzvksa }kjk izlrqr dh tkus okyh njksa] fgrksa] fu;e rfkk krksz dk fu;a=.k rfkk fofu;eu tks chek vf/kfu;e 1938 ¼1938 dk 4½ dh /kkjk 64 ;w ds vurxzr nj ijke kz lfefr ds }kjk fu;af=r rfkk fofu;fer ugha gsa 73 ts- izk:i vksj rjhdk fufnz V djuk ftlds vuqlkj ys[kk iqlrdksa dks la/kkfjr fd;k tkuk gs rfkk ys[k fooj.k chekdrkzvksa rfkk vu; chek e/;lfkksa ds }kjk izlrqr fd;s tk,axsaa 73 ds- chek daifu;ksa }kjk dks kksa ds fuos k dk fofu;eua 73,y- _.k kks/ku {kerk ds vurj ds la/kkj.k dk fofu;eua 73,e- chekdrkzvksa vksj e/;lfkksa ;k chek e/;lfkksa ds chp fooknksa dk fu.kz; djuka 74,u- çk kqyd lykgdkj lfefr dh dk;zi)fr dk i;zos{k.ka 74 vks- foùkh; ;kstukvksa ds fy, vuqpnsn ^,Q^ esa lunfhkzr O;kolkf;d laxbuksa dh izksuufr vksj fofu;eu ds fy, cheknkjksa dh izhfe;e vk; dk izfr kr fufnz V djuka 74 ih- fo ks k :i ls thou chek O;kikj v j lkeku; chek O;kikj ds Áfr kr d djuk ftls chek djus oky a us {ksf«k; v j lkekftd fy, fy;k gsa 74 D;w- vu;,sls vf/kdkjksa dk iz;ksx tks fu/kkzfjr fd, x, gksa 75 iv

233 okf kzd fjiksvz 2007&08 Hkkx IV laxbukred ekeys i. laxbu 77 ii. izkf/kdj.k dh csbdsa 77 iii. ekuoh; lalk/ku 77 iv. jkthkk kk dks Á Rlkgu 77 v. vkbzvkjmh, esa lwpuk izks ksfxdh dk Lrj 78 vi. ys[kk 78 vii. vkbz,lvks 2000 iath;u 78 viii. vkbzvkjmh, tuzy 79 ix. vkhkkj 79 ckwdl en 1 thou chek O;kikj esa izokg & bdkbz lec} chek ;kstuk 15 2 thou chek ikwfylh;ksa esa pwd 22 3 LokLF; chek % igy 24 ikb rkfydk, 1 eq[; cktkj lwpd 9 2 Hkkjr esa iathd r chekdrkz ekpz] 2008 rd thou chek dk;kzy; ekpz] 2008 rd thou chekdrkzvksa ds dk;kzy;ksa dk forj.k 10 5 iznùk iwath % thou chekdrkz 13 6 tkjh dh xbz ubz ikfyfl;k % thou chekdrkz 14 7 thou chekdrkzvksa }kjk chfer izhfe;e 18 8 thou chek dh cktkj fgllsnkjh 18 9 thou chekdrkzvksa ds deh ku O;; deh ku O;; vuqikr thou chekdrkzvksa ds lapkyu O;; lapkyu O;; vuqikr iznrr ykhkka k % thou chekdrkz os;fdrd e R;q nkos lewg e R;q nkos iznùk iwath % xsj&thou chekdrkz,oa iqu%chekdrkz tkjh dh xbz ikfyfl;k % xsj&thou chekdrkz xsj&thou chekdrkzvksa }kjk chfer izhfe;e ¼Hkkjr esa½ 27 v

234 okf kzd fjiksvz 2007&08 19 Hkkjr esa ldy izr;{k izhfe;e vk; xsj&thou chekdrkzvksa }kjk&{ks= okj chekafdr ¼Hkkjr ds Hkhrj½ izhfe;e dqy izhfe;e ls Hkkjr ls ckgj dh izhfe;e dk vuqikr Hkkjr ls ckgj O;olk; ls izkir kq) izr;{k izhfe;e % xsj&thou chekdrkz chekadu gkfu;k % xsj&thou chekdrkz ifjpkyu O;; % xsj&thou chekdrkz deh ku O;; fuosf kr vk; xsj&thou chekdrkzvksa ds dqy O;f;r nkos O;f;r nkok vuqikr Hkqxrku fd;k x;k ykhkka k : xsj&thou chekdrkz Hkkjrh; O;olk; ij dqy izr;{k izhfe;e ds izfr kr ds :i esa kq) izfr/kkfjr izhfe;e ¼thvkÃlh dks NksM+dj½ Hkkjrh; esa kq) izr;{k izhfe;e ds izfr kr ds :i esa Hkkjr esa vksj ckgj fd;k x;k iquz%chek ¼thvkÃlh dks NksM+dj½ Hkkjrh; O;olk; ij Hkkjr ls ckgj iqu%chzek dk leiz.k (thvkãlh dks NksM+dj) Hkkjrh; cktkj esa lnl; daifu;ksa dk fgllk vkradokn iwy vkradokn tksf[ke chek ds fy, izhfe;e dh njsa vkradokn tksf[ke chek ds fy, lqj{kk lhek chekdrkzvksa ds fuos k (I) dqy fuos k % ys[ki= okj (II) thou chekdrkz ds fuos k : fuf/k okj dqy fuos k % fuf/kokj xsj&thou chekdrkzvksa ds fuos k % fuf/kokj Vhih, (v/kkslajpuk v/kkslajpuk) r rh; i{k iz kkld & nkoksa laca/kh vkadmsa &08 ds fy, lw{e&chek fuos k ds vurxzr uohu O;olk; lw{e&chek vfhkdrkz & thou chekdrkz lw{e&chek fuos k&2007&08 ds vurxzr lewg e R;q nkos lw{e&chek fuos k&2007&08 ds vurxzr os;fdrd e R;q nkos thou chekdrkzvksa ds os;fdrd vfhkdrkzvksa ds fooj.k & 2007& thou chekdrkzvksa ds fuxfer vfhkdrkzvksa ds fooj.k & 2007& &08 ds fy, ek/;ekuqlkj thou chekdrkzvksa dh uohu O;olk; izhfe;e ¼oS;fDrd rfkk leqg½ &08 ds fy, ek/;ekuqlkj thou chekdrkzvksa dh os;fdrd uohu O;olk; izhfe;e &08 ds fy, ek/;ekuqlkj thou chekdrkzvksa dh uohu lewg O;olk; izhfe;e foyafcr f kdk;rsa& thou chekdrkz &08 ds nksjku f kdk;rsa & thou chekdrkz f kdk;rksa dh flfkfr & xsj thou chekdrkz (I) f kdk;rksa dh flfkfr & xsj thou chekdrkz ¼v)Z o kz] lekir flracj 2008½ yksdiky }kjk fu ikfnr f kdk;rsa 2007&08 fooj.kksa dh lwph 1?kjsyq {ks= dh foùkh; cpr ¼ kq)½ 83 2 chek fuos k dh osf od rqyuk 84 3 chek?kuro dh osf od rqyuk 86 4 ikwfylh/kkjd [kkrk & lelr thou chekdrkz 88 5 va k/kkjd [kkrk & lhkh thou chekdrkz 90 6 rqyu i=% lelr thou chekdrkz 92 vi

235 okf kzd fjiksvz 2007&08 7 Hkkjrh; thou chek fuxe % iwathxr foekspu rfkk okf kzd r; O;olk; ¼xSj&izfrHkkxh½ & ikwyhlh/kkjd [kkrk 94 8 Hkkjrh; thou chek fuxe % iwathxr foekspu rfkk okf kzd r; O;olk; ¼xSj&izfrHkkxh½ & va k/kkjd [kkrk 95 9 Hkkjrh; thou chek fuxe % iwathxr foekspu rfkk okf kzd r; O;olk; ¼xSj&izfrHkkxh½ & rqyu Ik= ikwyhlh/kkjd [kkrk % lkoztfud {ks= ds xsj&thou chekdrkz va k/kkjd [kkrk % lkoztfud {ks= ds xsj&thou chekdrkz rqyu i= % lkoztfud {ks= ds xsj&thou chekdrkz ikwfylh/kkjd [kkrk % lkoztfud {ks= ds xsj&thou chekdrkz va k/kkjd [kkrk % futh {ks= ds xsj&thou chekdrkz rqyu i= % futh {ks= ds xsj&thou chekdrkz ikwfylh/kkjd [kkrk % LokLF; chekdrkz va k/kkjd [kkrk % LokLF; chekdrkz rqyu i= % LokLF; chekdrkz lk/kkj.k chek fuxe & ikwfylh/kkjd [kkrk lk/kkj.k chek fuxe & va k/kkjd [kkrk lk/kkj.k chek fuxe & rqyu i= ikwfylh/kkjd [kkrk % fu;kzr lk[k izfrhkwfr fuxe e;kzfnr va k/kkjd [kkrk % fu;kzr lk[k izfrhkwfr fuxe e;kzfnr rqyu i=% fu;kzr lk[k izfrhkwfr fuxe e;kzfnr ikwfylh/kkjd [kkrk % d f k chek fuxe e;kzfnr va k/kkjd [kkrk % d f k chek fuxe e;kzfnr rqyu i= % d f k chek fuxe e;kzfnr xsj&thou Hkkjrh; cktkj dk dqy /kkj.k kfdr Hkkjr esa kq) izr;{k izhfe;e vk; dqy izhfe;e vk; ¼vftZr½ lkoztfud {ks= dh daifu;ksa ds chekadu vuqhko rfkk ykhk futh {ks= dh daifu;ksa ds chekadu vuqhko rfkk ykhk mixr nkok vuqikr % lkoztfud {ks= mixr nkok vuqikr & futh {ks= chek daifu;ksa dh lke; va k iwath chekdrkzvksa rfkk fofhkuuk e/;lfkksa ds fy, kqyd <kapk thou chekdrkzvksa ds fuos kksa dh dks k&okj iz.kkyh xsj thou chek fuos k f kdk;rksa dh flfkfr & thou chekdrkz ¼2007&08½ f kdk;rksa dh flfkfr & xsj thou chekdrkz ¼2007&08½ f kdk;rksa dh flfkfr & xsj thou chekdrkz ¼flracj] 2008 dks lekir N% ekgh½ r rh; i{k iz kkld & nkoksa ds vkadm+s & 2007& fofhkuu dsunzksa ij yksdikyksa dk dk;z izn kzu % 31 ekpz] 2008 dks lekir o kz ds fy, f kdk;rksa dk fujkdj.k % thou chek 138 vii

236 okf kzd fjiksvz 2007&08 44 fofhkuu dsunzksa ij yksdikyksa dk dk;z izn kzu % 31 ekpz] 2008 dks lekir o kz ds fy, f kdk;rksa dk fujkdj.k % xsj thou chek fofhkuu dsunzksa ij yksdikyksa dk dk;z izn kzu % 31 ekpz] 2008 dks lekir o kz ds fy, f kdk;rksa dk fujkdj.k % la;qdr :i ls thou chek rfkk xsj thou chek izfke o kz ¼,dy izhfe;e lfgr½ thou chek izhfe;e dqy thou chek izhfe;e xsj thou chek dh kq) izr;{k izhfe;e ¼Hkkjr rfkk blls ckgj ½ os;fdrd O;olk; ¼Hkkjr esa½ & izhkko khy O;olk; ¼ikWfyfl;ksa dh la[;k½ os;fdrd O;olk; ¼Hkkjr esa½ & izhkko khy O;olk; ¼chfer jkf k½ Hkkjr esa thou chekdrkzvksa ds _.k kks/ku {kerk vuqikr xsj thou chekdrkzvksa ds _.k kks/ku {kerk vuqikr os;fdrd O;olk; ¼Hkkjr esa½ & xsj&fyadm O;olk; ds ekeys esa tcr@pwdh gqbz ikwfyfl;ksa ds fooj.k &08 ds fy, thou chekdrkzvksa dk os;fdrd uohu O;olk; izn kzu & ek/;ekuqlkj &08 ds fy, thou chekdrkzvksa dk lewg uohu O;olk; izn kzu & ek/;ekuqlkj &08 ds fy, os;fdrd vfhkdrkzvksa dk jkt;&okj forj.k& chekdrkzokj thou chekdrkzvksa ds oss;fdrd vfhkdrkzvksa ds fooj.k & 2007& oss;fdrd e R;q nkos & 2007& ekpz] 2008 dks thou chek dk;kzy;ksa dh la[;k ekpz] 2008 dks thou chekdrkzvksa ds dk;kzy;ksa dk forj.k ekpz] 2008 dks dk;kzy;ksa dk HkkSxksfyd forj.k jkt;okj os;fdrd uohu chfer O;olk; 2007& f kdk;rsa & thou chek leqg e R;q nkos & 2007& thou chekdrkzvksa ds lw{e&chek mriknksa dh lwph 161 layxudksa dh lwph I Hkkjr esa O;olk;jr chek daifu;k 163 II vkãvkjmh, vf/kfu;e] 1999 ds vurxzr fufezr fofu;e 165 III (v) thou chekdrkzvksa ds fu;qdr chekadd 166 (c) xsj thou chekdrkzvksa ds fu;qdr chekadd 167 IV (v) Hkkjrh; thou chek fuxe esa chfer thouksa dh e R;q nj &,yvkãlh 94&96 vf/kdre 168 (c) Hkkjrh; thou chek fuxe esa okf kzd xzkgdksa dh e R;q nj &,yvkãlh, ¼96&98½ vf/kdre 169 V foùkh; o kz 2007&08 ds nksjku eqdr thou chek mrikn 170 VI foùkh; o kz 2007&08 ds nksjku chek daifu;ksa }kjk QkbZy rfkk iz;kst; izfø;kvksa ds vurxzr Qkby fd, x, xsj&thou mrikn 174 VII thvkãlh ls izkir vfuok;z lqiqnzxh 178 VIII iathd r czksdj ¼jkT;&okj fooj.k½ 179 IX izkf/kdj.k }kjk tkjh ifji=@vkns k@vf/klwpuk,a 180 X 31 ekpz] 2008 dks lekir o kz ds fy, ys[kkvksa ds okf kzd fooj.k 187 XI chekdrkzvksaa] e/;lfkksa rfkk yksdiky ds irs 205 viii

237 okf kzd fjiksvz 2007&08 fe ku odro; ikwfylh/kkjdksa ds fgrksa dh j{kk rfkk fu i{k O;ogkj lqfuf psr djuk( vke vkneh d ykhk nsus gsrq vksj vfkzo;olfkk dh nh?kzdkyhu fuf/k; a dks rhozrk ls c<+kus ds fy, chek m ksx dh rhoz,oa Øec) o f) ¼okf kzd,oa okf kzd Hkqxrku lfgr½; fofu;fer y x a dh,dkxzrk] forh; LFkkf;Ro] lgh lao;ogkj,oa ; X;rk dks LFkkfir] Á Rlkfgr] fuxjkuh,oa ykxw djuk; oklrfod nkoksa ds Rofjr fuivku dks lqfuf pr djuk vksj chek /kks[kk/kfm+;ksa vksj vu; dnkpkjksa ls cpuk rfkk fuokj.k ra= dks izhkkoh f kdk;r ra«k ds :i esa LFkkfir djuk; chek ds lkfk lao;ogkj djus okys foÿkh; ckt+kjksa esa lgh ikjnf kzrk,oa Øec) O;ogkj Á Rlkfgr djus,oa ckt+kj ds O;olkf;; a esa foÿkh; flfkjrk ykxw djus esa,d fo oluh; izca/ku tkudkjh iz.kkyh dk fuekz.k djuk; ml flfkfr esa dkjzokbz djuk tgk,sls ekud vi;kzir ;k vizhkkoh <ax ls ykxw fd;s x;s gksa; m ksx ds fnu çfrfnu ds dk; ± ds fy, i;kzir Lo&fofu;eu ykuk t fd foosdiw.kz fofu;e a dh vko ;drkv a dh iwfrz djsa ix

238 okf kzd fjiksvz 2007&08 vkãvkjmh, Vhe o kz v/;{k lh-,l- jko (14 ebz] 2008 rd) ts- gfj ukjk;.k (12 twu] 2008 ls) lnl; lh- vkj- eqjyh/kju ds- ds- Jhfuoklu th- izhkkdj MkW- vkj- duuu va kdkfyd lnl; Jh fot; egktu (7 vdrwcj] 2005 ls) Jhefr bzyk vkj HkV~V (27 Qjojh] 2007 ls) Jh osn tsu (6 Qjojh] 2008 ls) lqjh lq kek ukfk (9 vizsy] 2008 ls) Jh iznhi dqekj Mk- latho fejk (27 uoecj] 2007 ls 8 vizsy] 2008 rd) (2 ekpz] 2007 ls 26 uoecj] 2007 rd) Jh lquhy rykvh (5 Qjojh] 2007 ls 5 Qjojh 2008 rd) egkfuns kd (vuqla/kku,oa fodkl) Mk- Mh-oh-,l- kkl=h dk;zdkjh funs kd izcks/k panj oh- osndqekjh ds- lqczã.;e lykgdkj vksj fo ks k vf/kdkjh dquusy iz se x

239 okf kzd fjiksvz 2007&08 vf/kdkjh dk uke ds ko jko,- d.ku,- vkj- fur;kuane,- jke lq/khj,- oh- jko vfuy dqekj vjksm+k Ckh- inetk ch- v:.kk ch- jk?kou ch- lkses koj jko ch-,l- osadvs k Mh- ih- tks kh Mh- Jhfuokl ewfrz Mh-oh-,l- jes k nhid [kuuk nhid dqekj xk;dokm+,u-ds-,y-,u pdzorhz th-vkj- lw;z dqekj gfj ts- vfurk T;ksfr Hkxr dey p yk dkafr Jh ds-th-ih-,y jkek nsoh y{eh fiyyã,e-,y- lkstu;k egs k vxzoky eerk lqjh eatq vjksm+k eraxh lfjrk,e-ch-oh-,u ewfrz eqds k kekz fufe kk JhokLro ih- etweknkj izhkkr dqekj ek;rh vkj- lh- kekz vkj- dqekj vkj- laxhrk xi

240 okf kzd fjiksvz 2007&08 vkj- mek egs ojh jkt dqekj kekz jkds k ctkt j.knhi flag txiky jf e txnhi vfhkpunkuh,l- dkfrzd; kekz,l-,u- t;kflegu,l-ih- pøorhz lat; dqekj oekz latho dqekj tsu kjnwy lqjs k vnekus kf k iky f k{kk lkgk ;ke lqanj egkdqv lqnhirk HkV~Vkpk;Z lquhrk,y-oh-,llqjs k ekfkqj lqjs k uk;j lwlu bfv~vjkg lq kiky Vh-,l- uk;d vuqcu/k ij ;w- tokgjyky vf/kdkjh Áfrfu;qfDr ij v#i pvthz ts- ehuk dqekjh ds-ds- pks/kjh lksfu;k flag xii

241 okf kzd fjiksvz 2007&08 ifj ; Hkkjrh; vfkzo;olfkk us fo'o vfkzo;olfkk esa dbz vfuf'prrkvksa ds vuqhko ds ckotwn etcwr o`f) dks tkjh j[kka oklrfod ldy Äjsyw mrikn fodkl m ksxk ls mriuu gks jgk gs vksj ds nksjku lsok {ks= esa FkksM+h fxjkov vkbz gsa tcfd Hkkjr esa Ñf"k {ks= ds izn'kzu esa lq/kkj ls u dsoy dqn Ñf"k olrqvksa ij eqnzklqhfr ds nckoksa dks fu;af=r fd;k x;k] cfyd vfkzo;olfkk esa fodkl dh xfr dk lefkzu Hkh fn;k x;ka cpr esa tkjh xfr dh o`f) vksj fuos'k njsa vksj fujarj mriknu o`f) 2007&08 ds nksjku Hkkjrh; vfkzo;olfkk esa fodkl dh xfr dks lefkzu ns jgs FksA 2007&08 es a oklrfod ldy?kjsyw mrikn dh 9 izfr'kr dh ÅapkbZ 2006&07 esa ntz dh xbz 9-6 izfr'kr ls de FkhA lsok {ks= nksgjs vad ds Lrj ij fujarj c<+rk jgka m ksx {ks= esa eanh dk vks ksfxd mrikn ds lwpdkad esa Hkh izfrfcafcr gqvk FkkA 2007&08 ds nksjku vks ksfxd mriknu ds lwpdkad dk fodkl 8-5 izfr'kr Fkk ¼tks rqyukred :i ls 2006&07 ds nksjku 11-5 izfr'kr ns[kk x;k Fkk½A orzeku cktkj ewy;ksa ij ldy?kjsyw mrikn dh izfr'kr ds #i esa ldy?kjsyw ctv us o"kz 2005&06 esa 34-3 izfr'kr ls o"kz 2006&07 esa 34-8 izfr'kr dh c<+r ds lkfk futh fuxfer {ks= vksj lkoztfud {ks= dh cpr esa o`f) ls eq[; #i ls ;ksxnku fd;ka vfkzo;olfkk ds Lrj ij ldy?kjsyw iwath fuekz.k dh nj esa o"kz 2005&06 esa 35-5 izfr'kr ls o"kz 2006&07 esa 35-9 izfr'kr rd o`f) gqbza ifjokjksa dh cpr izkfkfedrk o"kz 2006&07 dh rqyuk esa o"kz 2007&08 ds nksjku csad jkf'k;ksa ls FkksM+h cny xbz FkhA o"kz 2007&08 ds fy,?kjsyw foùkh; cpr ij Hkkjrh; fjt+oz csad }kjk tkjh fd, x, izkjafhkd vuqekuksa ds vuqlkj] o"kz 2007&08 esa ifjokjksa dh dqy ldy foùkh; cpr dk 17-5 izfr'kr chek jkf'k }kjk xfbr fd;k x;k gsa ;g dqy?kjsyw cpr esa chek jkf'k ds fglls esa o`f) ds ifj.kkelo#i gsa E;qpqvy QaM esa Hkh blh rjg dh o`f) ns[kh xbz FkhA chek {ks= dh vksj izkfkfedrkvksa esa mijksdr folfkkiu dk eq[; dkj.k?kjksa }kjk chek daifu;ksa ds ;wfuv fyad chek mriknksa ¼;wfyi½ esa fuos'k djuk Fkk D;ksafd ;wfyi ds fglls ds fjvuz 'ks;j cktkj ds O;ogkj ij fuhkzj gsaa,slk gh,d voyksdu E;qpqvy QaM esa fuos'k ds ckjs esa fd;k tk ldrk gsa o"kz 2007&08 ds nksjku,slk uksv fd;k tk ldrk gs fd] ch,lbz lsalsdl vlkeku; #i ls mpp Lrj fn[kk pqdk gs vksj lhkh {ks=ksa ds lwpdkad esa ykhk FksA o"kz 2007&08 ds nksjku nksuksa dsunzh; vksj jkt; dh jktdks"kh; flfkfr esa lq/kkj gqvk] blds ckotwn ogk Å ph C;kt Hkqxrku] lfclmh vksj vfrfjdr ctvh; nsunkfj;ksa ds [kkrs ij mpp vf/kd cgko FksA o"kz 2007&08 ds nksjku fu;kzr vksj vk;kr dh xfr c<+kuk Hkkjr ds fofo/k fons'kh O;kikj dks O;Dr dj jgk gsa o"kz 2007&08 esa,d fujarj vk/kkj ij iwath izokg /;kuiwozd ns[kus ;ksx; Fks vksj Hkqxrkuksa ds 'ks"k esa v-';ka s ij 'kq) cprsa O;kikj?kkVs ds,d egroiw.kz fglls dh deh dks iwjk djus esa exu FksA ljy?kjsyw mrikn dk izfr'kr ds #i esa pkyw [kkrs dk?kkvk 2007&08 esa 1-5 izfr'kr dh rqyuk esa o"kz 2006&07 esa ns[ks x, 1-1 izfr'kr ls c<+dj FkkA izeq[k Ñf"k mriknksa ij vkiwfrz i{k ncko] varjk"vªh; dpps rsy dh dherksa dk tkjh gksuk] ekax dk yxkrkj ncko eqnzklqhfr dh nj dks ekpz 2007&08 ds var esa ekis x, 5-6 izfr'kr dh rqyuk esa ekpz 2008 ds 7-7 izfr'kr ds mpp Lrj dh vksj Fkksd ewy; lwpdkad esa xfr ls ekius dh rjg c<+k pqdh gsa rfkkfi] vkslr ds vk/kkj ij] ;g o"kz 2006&07 esa 5-4 izfr'kr dh rqyuk esa o"kz 2007&08 ds nksjku 4-7 izfr'kr ls de FkkA vks ksfxd Jfedksa ds fy, mihkksdrk ewy; lwpdkad esa o`f) Hkh igys o"kz ds 6-7 izfr'kr dh rqyuk esa ekpz 2008 esa 7-9 izfr'kr ij mpp FkkA vkslr ds vk/kkj ij] ;g o"kz 2006&07 esa 6-7 izfr'kr dh rqyuk esa o"kz 2007&08 ds nksjku] 6-2 izfr'kr FkkA o"kz 2007&08 ds nksjku QSyk jgh dbz ikwfylh;ksa vksj vkffkzd cktkjksa] iw ath cktkj vksj ckwum cktkjksa ds fo"k; esa lacaf/kr fu;kedksa }kjk fy, x, FksA ljdkj us viuh vksj ls os/kkfud <kaps esa ifjorzu dh vuqefr nsdj bl izfø;k esa enn dh gsa vkffkzd cktkjksa esa ikwfylh;ksa dk mùkjnkf;ro viuh laifùk ds,d foosdiw.kz vksj ykhknk;d rjhds esa chek daifu;ksa dh izcu/k djus esa enn djsxka chek daifu;ksa dks vc ckrphr ds tfj, ysu nsu iz.kkyh ds mi;ksx djus dh vuqefr gs & la?kvd dh vuq"kaxh lkeku; [kkrk ekxz dk mi;ksx djds Øe feykuka ;g vius vfrfjdr /ku ikfdzax ds fy, ckrphr ysunsu iz.kkyh esa fgllk ys jgh chek daifu;ksa dh enn djsxha lsch us E;qpqvy QaM dks vf/kd ikjn'khz vksj fuos'kdksa ds vuqdwy lapkyuksa ds cps jgus esa dbz usr`roksa dk mùkjnkf;ro fd;k gsa lsch O;qRiUu [kam ea s ysunsu ds fo#) vfrfjdr jkf'k ds fy, nwljs ntsz dh rjg,,, Js.kh dh fons'kh ljdkjh izfrhkwfr;ksa dks iznku djus ds fy,,qvkãvkã dk vkns'k nsrk gsa futh fuxzeu ds _.k cktkj dks fodflr djus 1

242 okf kzd fjiksvz 2007&08 ds fy, Hkh dbz mik; 'kq# fd, x, FksA o"kz dh dsunzh; ctv ckwum eqnzk vksj fofue; O;kikfjd eqnzk dh 'kq#vkr lfgr O;qRiUu cktkj ds fodkl vksj C;kt nj lqfo/kk, vksj mfpr fuxjkuh ds lkfk ikjn'khz ØsfMV O;qRiUu cktkj dks fodkl djrs gq, ekius ds fy,?kks"k.kk dj pqdh gsa ljdkjh izfrhkwfr;ksa dh fofu;ekoyh 2007 fnukad 1 fnlecj 2007 ls ykxw gks xbz gsa fofhkuu fu;kedkas }kjk fd, x, lhkh mi;qzdr mik;ksa ls vius /ku dks ykhknk;d rjhds esa yxkus dks chek daifu;ksa ds fy, volj [kqy tk,axsa tcfd] muga s dqn tfvy fons'kh foùkh; lk/kuksa ds lkfk fuivus esa vius dks'ky esa lq/ kkj djuk im+ ldrk gsa lh,lv us 2008&09 dh igyh frekgh ds nksjku] Ñf"k m ksx vksj lsokvksa dks Øe'k% 3-0 izfr'kr] 5-2 izfr'kr vksj 10-2 izfr'kr ds oklrfod ljy?kjsyw mrikn dh fodkl nj ij LFkkfir fd;k gsa rnuqlkj] vfkzo;olfkk esa oklrfod ldy?kjsyw mrikn dk fodkl finys o"kz dh igyh frekgh esa ntz 9-2 izfr'kr dh rqyuk esa igyh frekgh ds fy, 7-9 izfr'kr gqvka eqqnzklqhfr] o"kz&nj&o"kz ij vk/ kkfjr Fkksd ewy; lwpdkad ¼McY;wihvký esa fhkuu :iksa }kjk ekius ij] ekpz 2008 ds var rd 7-8 izfr'kr ls 4 vdrwcj 2008 ij 11-4 izfr'kr rd c<+h Fkh vksj,d o"kz igys 3-2 izfr'kr c<+h FkhA,d cs&tksm+ Lrj ij] izkfkfed olrqvksa vksj fufezr mriknksa dh dherksa esa igys o"kz ds 5-0 izfr'kr vksj 4-5 izfr'kr dh rqyuk ds lkfk] Øe'k%] 12-7 izfr'kr vksj 9-7 izfr'kr dh o`f) gqbz gsa vks ksfxd Jfedksa ds fy, eqqnzklqhfr us mihkksdrk ewy; lwpdkad ij vk/kkfjr] o"kz&nj&o"kz ds vk/kkj ij,d igys o"kz ds 7-3 izfr'kr ls vxlr 2008 esa 9-0 izfr'kr rd,d rst xfr dks n'kkz;k gsa C;kt njsa ¼tek vksj _.k nsusa dh njsa nksuksa½ 2008&09 dh igyh nks frekfg;ksa ds nksjku egroiw.kz rksj ij c<+h gsa mlh vof/k ds nksjku fofhkuu ifjidorkvksa ds fy, csadksa }kjk tek njksa esa 50&175 vk/kkj vad dh o`f) vksj lkoztfud {ks=h; csadksa ds csapekdz ewy; esa 125&150 vk/kkj vad dh o`f) ds fy, is'kd'k dh xbza dsunz ljdkj dh izfrhkwfr;ksa dh mrikfnr vkslr vk; 8-12 izfr'kr dh rqyuk esa 8-81 izfr'kr ij mpp FkhA,do"khZ; 'ks"k ifjidork ds lkfk ljdkjh izfrhkwfr;ksa ij ÁkIr dha ekpz 2008 ds var ij 7-49 izfr'kr ls 9-25 izfr'kr ds mpp Lrj ij o`f) gqbza vizsy ls vxlr 2008 ds nksjku dkwy cktkj] cktkj dh izfr"bk ¼,y,,Q ls ckgj½ vksj nwljs ntsz ds rksj ij m/kkj ysus vksj m/kkj nsus dh ck/;rk udnh fuf/k vuqikr es a Øfed :i ls c<+us ij dlkov okyh rjyrk ds QyLo#i [kkrs ij ifjn`'; es a dbksjrk vk tkrh gsa tek djus ds izek.k i= dk Hkkfjr vkslr cv~~vk nj esa ekpz 2008 ds var esa izfr'kr ls flrecj 2008 ds var rd izfr'kr rd o`f) gqbza bl mhkjrh gqbz vfkzo;olfkkvksa ds fy, n`f"vdks.k ldkjkred cuk gqvk gs] ysfdu osf'od vk?kkrksa ds fy, muds yphysiu ds ckjs esa vfuf'prrkvksa esa o`f) gqbz gsa vks ksfxd mriknu vksj fu;kzr ek=k esa deh gqbz gsa tcfd bfdovh cktkj muur vfkzo;olfkkvksa esa muds lkfk vxzkuqøe esa rsth ls fxj im+rs gsa] rfkk ckwum dh O;kidrk c<+rh gsa varjjk"vªh; foùkh; iz.kkyh fo'o ds lcls cm+s foùkh; lalfkkuksa ds chp dh 'kkunkj foqyrkvksa dh js[kk esa vr;f/kd tksf[ke ls cpus ds }kjk idm+ cuk, j[krh gsa 'ks;j cktkj esa mnky ds lkfk] tcfd fuos'kd tksf[ke mbkus ds fy, bpnqd gks jgs gs vksj ;qfyi ds fy, p;u }kjk fuos'k tksf[keksa dks lgu djus ds fy, rs;kj gs] nqfu;k Hkj esa foùkh; ladv vksj 'ks;j cktkj esa?kqyus ds lkfk] fuos'kdksa dh Hkkoukvksa dks nwljh vksj eksm+ ldrk gs vksj dbz vius vf/k'ks"kks a dks tksf[ke ysus dh rqyuk esa lqjf{kr vksj ikjaifjd foùkh; lk/kuksa esa fuos'k djuk pkgsaxsa tsls izkfkfedrk dks ;wfyi vksj thou chek daifu;ksa ls nwj gvk;k tk,xk] muga s vpns izksrlkgu ds lkfk ijaijkxr mriknksa dks fmtkbu djuk im+ ldrk gsa bl rjg] fudv Hkfo"; esa thou chek dkjksckj esa o`f) dks mruk etcwr ugha fd;k tk ldrk gs ftruh fd og vc rd FkhA blds vykok] ftl rjg chek daifu;k viuh 'kks/ku {kerk ds lkfk ckjhdh ls fuxjkuh djrh gsa mugas fofu;ked vko';drk dks cuk, j[kus ds fy, vfrfjdr iw ath dks yxkuk gh im+rk gsa foùkh; cktkjksa esa orzeku flfkfr ds rgr] iwath cktkjksa ls /ku tqvkuk eqf'dy gs vksj izorzdksa ds fy, eanh 'ks;j cktkj esa vius fuos'k dks izkir djuk v j Hkh eqf'dy lkfcr gks ldrk gsa gky gh esa] chek daifu;k 'kk[kk ds folrkj ij vkøked gksrh pyh xbz gsa vksj bugksaus rduhdh tu'kfdr dks tksm+k gsa muds lkfk lecfu/ kr jgus ls ykxr mpp gksrh gs vksj daifu;ksa ds fy, mpp ykxr vksj de Hkqxrkuksa ds lkfk tkjh jguk eqf'dy lkfcr gks ldrk gsa vkffkzd fodkl esa /khek gksus ds lkfk] futh O;; ;ksx; vk; cpr vksj fuos'k ds izhkkfor djrs jgus ij de gks tk,xha m ksx es a uhps vksj futh fuxfer {ks= esa de fuos'k de ifjlaifùk xbu dks c<+kok nsrk gsa ;g de eky O;kikj ds lkfk,d lkfk xsj thou chek cktkj dks izhkkfor djrk gsa 'ks;j cktkj esa eanh ds lkfk] xsj thou chek daifu;ksa ds fy, fuos'k vk; ykhk dks izhkkfor djrs gq, Hkh uhps vk 2

243 okf kzd fjiksvz 2007&08 tk,xh] D;ksafd fuos'k vk; vc rd daifu;ksa ds chekys[ku?kkvksa dh deh dks iwjk dj pqdh gsaa 2008&09 dh igyh frekgh esa izn'kzu (i) thou chek% Ckhek daifu;ksa us finys o"kz ds rqyukred djksm+ #i, ls izfr'kr dh o`f) ds lkfk pkyw foÿk o"kz esa igyh frekgh ds nksjku djksm+ #i, dk izhfe;e chek fd;k gsa fd, x, dqy izhfe;e chek esa],yvkãlh us djksm+ #i, ds fy, viuh ;ksx;rk dk ifjp; fn;k vksj futh daifu;ksa us djksm+ #i, ds fy, viuh ;ksx;rk dk ifjp; fn;ka finys o"kz esa blh vof/ k ij,yvkãlh }kjk djk, x, izhfe;e es a izfr'kr dh fxjkov vkbz tcfd futh daifu;ksa esa bldh izfr'kr dh o`f) gqbza m ksx ds Lrj ij fy[kh xbz chek dh la[;k esa 7-78 izfr'kr dh fxjkov vkbz gs] tcfd,yvkãlh }kjk fd, x, chek dh la[;k esa izfr'kr dh fxjkov vkbz gs] futh daifu;ksa ds ekeys esa mudh izfr'kr ls o`f) dh xbz gsa fd, x, dqy izhfe;e chek esa] O;fäxr izhfe;e us djksm+ #i, ds fy, viuh ;ksx;rk dk ifjp; fn;k vksj lewg O;kikj us djksm+ #i, ds fy, viuh ;ksx;rk dk ifjp; fn;ka,yvkãlh ds laca/k esa] O;fäxr O;kikj djksm+ #i, Fkk vksj lewg O;kikj djksm+ #i, FkkA futh daifu;ksa ds ekeys esa] os Øe'k% djksm+ #i, vksj djksm+ #i, FksA,yvkÃlh dh cktkj esa fgllsnkjh dqy izhfe;e laxzg esa izfr'kr Fkh vksj glrk{kj dh xbz chek dh la[;k esa izfr'kr Fkh] finys o"kz esa lwpuk ds vuqlkj Øze'k% izfr'kr vksj izfr'kr ls de FkhA lewg ;kstuk ds varxzr yk[k thou lqjf{kr Fks tks finyh vof/k esa 8-5 izfr'kr dh o`f) dks ntz dj jgh gsa lewg ;kstuk ds varxzr dqy thouksa dh lqj{kk esa],yvkãlh us yk[k ds fy, viuh ;ksx;rk dk ifjp; fn;k vksj futh daifu;ksa us yk[k ds fy,a thou chek daifu;ksa us lkekftd {ks= esa djksm+ #i, ds izhfe;e ds lkfk yk[k thouksa dks lqjf{kr fd;k vksj xzkeh.k {ks= es a djksm+ #i, ds izhfe;e ds lkfk yk[k cheksa ij glrk{kj fd,a (ii) xsj thou chek daifu;k pkyw foùk o"kz dh igyh frekgh ds nksjku] xsj thou chek daifu;ksa us finys o"kz dh blh vof/k esa djksm+ #i, dk chek djus ij izfr'kr dh o`f) dh ntz dj jgs djksm+ #i, ds izhfe;e fd, gsaa futh xsj thou chek daifu;ksa us finys o"kz dh blh frekgh esa djksm+ #i, dk chek djus dh rqyuk esa djksm+ #i, dk izhfe;e chek djrs gq, izfr'kr dh mpp o`f) dks ns[kk gsa ljdkjh xsj thou chek daifu;ksa us 2007&08 dh igyh frekgh esa izfr'kr ls mpp] djksm+ #i, dk izhfe;e chek fd;ka lkoztfud vksj futh chek daifu;ksa ds cktkj esa 'ks;j Øe'k% vksj izfr'kr FksA Ãlhthlh us izfr'kr dh,d egroiw.kz o`f) esa ifj.kkelo:i finys o"kz esa djksm+ #i, dh rqyuk esa djksm+ #i, dk _.k chek fd;ka [kamokj] xsj thou chek daifu;ksa us vkx] leqnz] eksvj] LokLF; vksj fofo/k {ks=ksa esa Øe'k% djksm+ #i,] djksm+ #i,] djksm+ #i,] djksm+ #i, vksj djksm+ #i, ds izhfe;e chek fd;k gsa LokLF; {ks= esa ds blh frekgh ij pkyw foùk o"kz dh igyh frekgh esa ¼49-67 izfr'kr½ lcls T;knk o`f) ntz dh xbz gsa vkx ds {ks= esa s blh vof/k ij ¼&13-80 izfr'kr½ _.kkred o`f) dks ns[kk x;k gsa ikwfylh;ksa dh la[;k ds lanhkz esa] vkx vksj leqnz us,d o"kz dh vof/ k ij ¼Øe'k% &5-14 izfr'kr vksj &4-37 izfr'kr½ _.kkred o`f) nj dks ntz fd;k gsa eksvj {ks= esa] lkoztfud xsj thou chek daifu;ksa us izhfe;e esa chek djkbz gqbz ikwfylh;ksa dh de la[;k tkjh djus ds ckotwn ¼23-09 izfr'kr½ ldkjkred o`f) nj dks ns[kk gsa pkyw foùk o"kz dh igyh frekgh esa eksvj {ks= esa izhfe;e chek djksm+ #i, Fkk] tks dqy chek esa izfr'kr dk ;ksxnku dj jgk gsa dqy eksvj izhfe;e esa lkoztfud vksj futh thou chek daifu;ksa }kjk ;ksxnku Øe'k% djksm+ #i, ¼59-36 izfr'kr½ vksj djksm+ #i, ¼40-64 izfr'kr½ FkkA LokLF; {ks= esa izhfe;e laxzg pkyw o"kz dh igyh frekgh esa djksm+ #i, rd igqap x;k gs] tks dqy chek esa izfr'kr dk ;ksxnku dj jgk gsa bl frekgh esa tkjh] ikwfylh;ksa dh la[;k] ikwfylh;ksa dh dqy la[;k esa dke fd, x, vuqikr ds #i esa izfr'kr gsa eksvj {ks= dh rjg jgs LokLF; {ks= esa lkoztfud vksj futh xsj thou chek daifu;ksa ds 'ks;j] tks pkyw foùk o"kz dh igyh frekgh esa Øe'k% izfr'kr ¼lkoZtfud½ vksj izfr'kr ¼futh½ LFkkfir fd;ka ikwfylh;ka tkjh djus dh la[;k ds ekeys esa LokLF; {ks= us izfr'kr dh o`f) ntz dh gsa ;g o`f) 20 izfr'kr ds lkfk lkoztfud xsj thou chek daifu;ksa esa rhozrj FkhA 3

244 aaaaa okf kzd fjiksvz 2007&08 v- lkeku; vkffkzd okrkoj.k Hkkjr dk c`gr~ vkffkzd fu"iknu 2007&08 esa oklrfod ldy?kjsyq mrikn ¼thMhih½ es aaaaa o`f) ds eku ls 9 izfr'kr ds Lrj ij FkkA ;g o`f) 2006&07 esa 9-6 izfr'kr rfkk 2005&06 esa 9-4 izfr'kr ls vf/kd ekuh xbza bl mpp o`f) ds lkfk] 2003&2008 dh vof/k ds nksjku vkslr oklrfod th.mh.ih o`f) 8-8 izfr'kr vakdfyr dh xbz] tks fd finys ikap o"kksza esa 5-4 izfr'kr ds eqdkcys dgha vf/kd gsa lsok {ks= nksgjs vad Lrj dh vksj fujarj c<++ jgk gs] tks 2007&08 esa 10-7 izfr'kr gsa th.mh.ih o`f) 2006&07 es aaaaa ntz dh xbz 3-8 izfr'kr dh vis{kk 2007&08 esa *d`f"k {ks=* ls izkjehk gksdj 4-5 izfr'kr ij FkhA d`f"k {ks= dh ;g xfr 2007&08 es aaaaa feyh;u Vu ds fjdkmz Lrj ij c<+ s s s gq, vukt mriknu ls ns[kh tk ldrh gs] tks 2006&07 es aaaaa ntz fd, x, feyh;u Vu ds eqdkcys vf/kd gsa *vks ksfxd {ks=* ls gks jgh oklrfod th.mh.ih. o`f)] 2006&07 esa vkadfyr dh xbz 10-6 izfr'kr dh rqyuk esa 2007&08 esa de vfkkzr 8-1 izfr'kr FkhA ;g fxjkov eq[; rksj ij fuekz.k dk;ksza esa 2006&07 esa 12 izfr'kr dh o`f) ls 2007&08 esa 8-8 izfr'kr dh deh ds dkj.k gqbza tcfd *fo qr] xsl rfkk ty vkiwfrz* {ks= esa lhekar o`f) jgh gs] *[kuu rfkk mr[kuu* {ks= esa deh ns[kh xbza vks ksfxd* {ks= ls gks jgh th.mh.ih. esa ;g fxjkov vks ksfxd mriknu ¼vkbZvkbZih½ ds lwpdkad ds pyu esa Hkh izfrfcfecr gqbza vkbzvkbzih ds lanhkz esa] ;g vks ksfxd o`f)] 2006&07 esa 11-5 izfr'kr ls 2007&08 ds nksjku 8-5 izfr'kr rd larqfyr jgha fuekz.k {ks= us dqy vkbzvkbzih esa 79-4 izfr'kr ds Hkkj ds lkfk] 2007&08 esa 9-0 izfr'kr dh o`f) nj ntz dh] tks 2006&07 esa 12-5 izfr'kr ds eqdkcys dkqh de gsa mihkksx&vk/kkfjr oxhzdj.k ds lanhkz esa] ;g fxjkov lelr {ks=ksa esa ns[kh xbza mihkksdrk lk/kuksa esa vksj Hkh vf/kd] ftlesa 2006&07 esa 9-2 izfr'kr ds eqdkcys 2007&08 esa 1 izfr'kr dh _.kkred o`f) ntz dh xbza vk/kkjhkwr {ks= ftlusa 2006&07 ds nksjku tksj idm+k Fkk] 2007&08 ds nksjku egroiw.kz :i ls uhps fxj x;ka bl {ks= us] vkbzvkbzih es 26-7 izfr'kr ds Hkkj ds lkfk] 2006&07 ds nksjku 9-3 izfr'kr dh rqyuk esa 2007&08 esa 5-6 izfr'kr dh o`f) ntzz dha vk/kkjhkwr {ks= ds dks;ys dks NksMdj lelr [k.mksa us 2007&08 esa fueulrh; o`f) ntz dha O;kogkfjd jkstxkj ds volj iznku djus ds vykok Hkkjr dh vks ksfxd o`f) rfkk fu;kzr esa c`gr~ rfkk y?kq miøe sa ¼,e,lbZ½ Hkkx A ikwfylh;k,oa dk;zdze dh egroiw.kz Hkwfedk tkjh gsa gky gh ds o"kksza esa],e,lbz {ks= us lexz vks ksfxd o`f) dh rqyuk es aaaaa lqpk: :i ls mppùkj o`f) ntz dh gsa,e,lbz {ks= us vfkzo;olfkk esa tksm+ s s s x, ldy vks ksfxd ewy;kadu esa yxhkx 40 izfr'kr ;ksxnku fn;k gs rfkk dqy fufezr fu;kzrksa ds 47 izfr'kr dk ys[kk&tks[kk fd;k gsa dsunzh; lkaf[;dh laxbu ¼lh,lvks½ }kjk tkjh fd, x, iqujhf{kr vuqeku ds vuqlkj] lsok {ks= ds fy, mriuu oklrfod thmhih o`f) *foùkh;] chek] oklrfod laink,oa O;kikj {ks=* rfkk *fuekz.k* mi&{ks= esa fxjkov ds dkj.k 2006&07 esa 11-2 izfr'kr ls 2007&08 esa 10-7 izfr'kr rd larqfyr jgha foùkh;] chek] oklrfod laink rfkk O;kikj lsok* us 2006&07 esa 13-9 izfr'kr dh rqyuk esa 2007&08 esa 11-8 izfr'kr dh o`f) ntz dha rfkkfi] oklrfod th.mh.ih. esa {ks=ksa dk va'k lhekar :i ls 2006&07 esa 14-3 izfr'kr ls 2007&08 esa 14-7 izfr'kr c<+k gsa mi&{ks=ksa ls mriuu gq, ldy?kjsyq mrikn ij fd;k uohure vuqeku 2006&07 ds fy, miyc/k gsa vuqeku ds vuqlkj] csafdax,oa chek {ks=ksa us 2005&06 esa 6-12 izfr'kr ds eqdkcys 2006&07 esa oklrfod th.mh.ih. dk 6-68 izfr'kr,df"kr fd;k gsa bl mi&{ks= us 2006&07 esa izfr'kr dh o`f) ntz dh gsa tgk *csafdax* {ks= us 17 izfr'kr o`f) n'kkzbz gs] chek {ks= us 2005&06 ls vf/kd 2006&07 esa 34-5 izfr'kr o`f) ntz dh gsa oklrfod th.mh.ih. esa chek {ks= dk va'k 2005&06 esa 0-9 izfr'kr ls 2006&07 esa 1-1 izfr'kr c<+ka cpr,oa iwath fuekz.k lh,lvks us 2007&08 ds fy, vkffkzd Lrj rfkk {ks=h; Lrj ij Hkh thmhih ds fy, vuqeku tkjh fd, gsaa fdurq cpr,oa iwath fuekz.k ds vuqeku,d o"kz ds foyac ls miyc/k gsa] tsls lh,lvks }kjk tkjh uohure vuqeku 2006&07 ls lacaf/kr gsa rfkkfi]?kjsyq {ks= dh ldy foùkh; cpr] tslk fd Hkkjrh; fjtoz csad ¼vkjchvkbZ½ us vuqekfur fd;k gs] 2007&08 ds fy, miyc/k gsa ;g leh{kk 2006&07 ds fy, cpr,oa iwath fuekz.k rfkk 2007&08 ds fy, foùkh; ifjleifùk ls lacaf/kr gsa 4

245 aaaaa okf kzd fjiksvz 2007&08 futh fuxe {ks= dh cprksa aaa rfkk lkoztfud {ks= dh cprksa esa o`f) ds ifjek.klo:i pkyw cktkj ewy; ij thmhih ds,d izfr'kr ds :i esa] ldy?kjsyq cpr 2005&06 esa 34-3 izfr'kr ls 2006&07 esa 34-8 izfr'kr c<+h gsa tgk?kjsyq {ks= ds fy, HkkSfrd ifjleifùk ds :i es 12-5 izfr'kr ij cpr nj es aaaaa dksbz ifjorzu ugha gs] ogha foùkh; cpr ds :i esa 2005&06 esa 11-8 izfr'kr ls 2006&07 esa 11-3 izfr'kr dh,d lhekar deh ns[kh xbz gsa bl rjg ls?kjsyq cpr nj 2005&06 esa 24-2 izfr'kr ls 2006&07 esa 23-7 izfr'kr de gqbz gsa futh fuxe {ks= dh cpr nj 2001&02 esa 3-4 izfr'kr ls 2005&06 esa 7-5 izfr'kr rfkk 2006&07 esa blls vf/kd 7-8 izfr'kr rd c<+h FkhA xsj&fohkkxh; lkfk gh lkfk fohkkxh; miøe a dh mpprj cprkssa ds dkj.k] lkoztfud {ks= dh cpr 2005&06 esa th.mh.ih. ds 2-6 izfr'kr ls vksj csgrj g dj 2006&07 esa 3-2 izfr'kr gqbza tgk vkffkzd Lrj ij ldy?kjsyq cpr 2006&07 esa 5 izfr'kr vad dh o`f) gqbz] ogha ldy?kjsyq iw ath fuekz.k nj 2005&06 esa 35-4 izfr'kr ls 2006&07 esa 35-9 izfr'kr 4 izfr'kr vad dh o`f) gqbza 'kq) iw ath varokzg 2005&06 esa 1-2 izfr'kr ls 2006&07 esa 1-1 izfr'kr dh lhekar deh ntzz dh xbza vkjchvkbz }kjk tkjh?kjsyq foùkh; cprksa ds izkjfehkd vuqekuksa us c<+rh gqbz vfkzo;olfkk esa?kjsyq vf/keku izfrfcfecr djrs gq, 2006&07 dh rqyuk esa 2007&08 esa?kjsyq cprksa ds izfr:i esa,d ifjorzu fn[kk;k gsa th.mh.ih. dh,d izfr'krrk ds :i esa] tgk 2007&08 esa va'kksa esa eqæk,oa fuos'kksa ds :i esa cprsa c<+ +h] csad tekvksa ds :i esa cprksa esa deh vkbza?kjsyq {ks= dh ldy foùkh; cprksa esa eqæk ds :i esa 11 izfr'kr] tekvksa ds :i esa 56-5 izfr'kr lfeefyr gsa?kjsyq cprksa esa chek fuf/k dk va'k chek ds fy,?kjsyq vko';drk rfkk?kjsyq {ks= ds fofhkuu Hkkxksa esa izpfyr uohu mriknksa dh miyc/krk dks izfrfcfecr djrs gq, 2006&07 esa 14-9 izfr'kr ls c<+dj 2007&08 esa 17-5 izfr'kr gqvk gsa thou chek fuf/k ds :i esa cpr 2006&07 esa 14-4 izfr'kr ls c<++dj 2007&08 esa 16-9 izfr'kr gqbz gs] tks 2007&08 esa ;wfyi dh lqyrk ds dkj.k gks ldrh gsa Mkd chek esa 2006&07 esa 0-3 izfr'kr ls 2007&08 esa lhekar o`f) gqbz gsa E;qP;qvy QaM esa fuos'k esa Hkh blh izdkj dh o`f) ns[kh xbza mudk va'k 2006&07 esa 5-2 izfr'kr ls 2007&08 esa 7-7 izfr'kr c<++ka ewy; voflfkfr eqnzklqhfr 2007&08 ds nksjku dbza ns'kksa esa] eq[; rksj ij mpprj [kk,oa bza/ku dherksa ds lkfk&lkfk etcwr ekax ifjflfkfr ds dkj.k flfkj jgha mpplrj rd igqaph rsy dh dherksa esa o`f) us eqnzklqhfr tksf[ke rfkk ekax&vkiwfrz vlarqyu ij fpark mriuu dh gsa bu ifjflfk;ksa us Hkkjr esa Hkh eqnzklqhfr Lrj ij izhkko Mkyk gsa tslk fd lexz dher lwpdkad ¼MCY;wihvkbZ½ ds pyu us vakdfyr fd;k gs] eqnzklqhfr,d o"kz igys 5-9 izfr'kr ls c<+dj ekpz 2008 var rd 7-7 izfr'kr gks xbza izkfkfed olrq lewg esa [kk rfkk v[kk nksuksa us 2007&08 ds nksjku dqn inkfkksza ds fupys?kjsyq mriknu ds lkfk&lkfk flfkj varjkz"vªh; dherksa dks izfrfcfecr djrs gq, eqnzklqhfr ij Åij dh vksj ncko cuk;ka pkoy vksj xsgw aaaaa dh?kjsyq miyc/krk dks lq/kkjus ds fy, ljdkj }kjk fd, tk jgs fofhkuu vkiwfrzdkjd mik;ksa esa c<+ +h gqbz eqnzklqhfr dk lekos'k gsa [kk inkfkksza esa] pkoy] xsagw aaaaa rfkk nw/k dh dhersa,d o"kz igys dze'k% 5-7 izfr'kr] 7-3 izfr'kr rfkk 8-4 izfr'kr dh rqyuk esa 2007&08 esa o"kz&nj&o"kz ij dze'k% 9-1 izfr'kr] 5-1 izfr'kr rfkk 8-7 izfr'kr c<++h gsa v[kk izkfkfed inkfkkzsa esa] rsy cht rfkk dpph :bz dh dhersa finys,d o"kz esa dze'k% 31-6 izfr'kr rfkk 21-9 izfr'kr dh o`f) ls Åij dze'k% 20-3 izfr'kr rfkk 14-0 izfr'kr c<+ +h gasa dqy feykdj] izkfkfed inkfkz dh eqnzklqhfr] o"kz&nj&o"kz ds vk/kkj ij finys o"kz 10-7 izfr'kr dh rqyuk esa ekpz 2008 ds var rd 9-7 izfr'kr FkhA bza/ku lewg eqnzklqhfr] tks twu&uoecj 2007 ds nksjku _.kkred Fkh] vk/kkj izhkko ds lkfk&lkfk uoecj 2006 rfkk Qjojh 2008 esa isvªksy rfkk Mhty dh dherksa esa deh izfrfcfecr dj jgh Fkh] e/; uoecj 2007 esa èkukred gksdj finys o"kz ds 1-0 izfr'kr ds eqdkcys 29 ekpz] 2008 esa 6-8 izfr'kr ij igqapha uoecj 2007 dh 'kq:vkr esa bza/ku lewg eqnzklqhfr esa gqbz o`f) dk dkj.k xsj&lapkfyr isvªksfy;e mriknksa dh dherksa esa yxkrkj o`f) ds lkfk&lkfk isvªksy,oa Mhty dh?kjsyq dherksa esa cm+k la'kks/ku jgka varjkz"vªh; dppks rsy ¼Hkkjrh; ihiksa½ dh dhersa Qjojh 2007 esa 56-6 vefjdh MkWyj izfr csjy ls rdjhcu 75 izfr'kr vfëkd gks dj ekpz 2008 es aaaaa 99-3 vefjdh MkWyj izfr csjy gqbza 2007&08 ds nksjku dqy eqnzklqhfr dk izeq[k izsjd fufezr mriknksa esa eqnzklqhfr FkkA fufezr mriknksa esa eqnzklqhfr,d o"kz igys 6-1 izfr'kr ds eqdkcys ekpz 2008 ds var esa c<+dj 7-3 izfr'kr gks xbza izkfkfed inkfkksza ij 28-2 izfr'kr rfkk bza/ku lewg ij 18-9 izfr'kr ds vuqlj.k }kjk 63-8 izfr'kr ds Hkkj ds lkfk] fufezr mriknksa us 29 ekpz] 2008 rd dqy eqnzklqhfr esa 52-8 izfr'kr dk ;ksxnku fn;ka 5

246 aaaaa s ss okf kzd fjiksvz 2007&08,d vkslr vk/kkj ij ¼52 lirkgks aaaaa dk vkslr½] Fkksd dher eqnzklqhfr 2006&07 esa 5-4 izfr'kr dh rqyuk esa 2007&08 esa de gksdj 4-7 izfr'kr FkhA vks ksfxd dkexkjksa ds fy, mihkksdrk dher eqnzklqhfr tuojh 2008 rd MCY;wihvkbZ eqnzklqhfr ls vf/kd FkhA [kk inkfkksza esa o`f) ds lkfk] dqn gn rd ;g varj de gqvka vks ksfxd dkexkjks ds fy, ekpz 2008 gsrq lhihvkbz eqnzklqhfr 7-9 izfr'kr jgh] tks ekpz 2007 esa 6-7 izfr'kr ns[kh xbz FkhA vkslr vk/kkj ij ¼12 eghuksa dk vkslr½ 2006&07 esa 6-7 izfr'kr ds eqdkcys 2007&08 ds nksjku lhihvkbz eqnzklqhfr 6-2 vkadfyr dh xbza?kjsyq foùkh; cktkj osf'od foùkh; cktkj] rjyrk ekax esa izokg ds dkj.k v'kkar jgk ftldk dkj.k ;w,l lc&izkbze ca/kd cktkj esa gypy FkhA rfkkfi] Hkkjr esa bfdovh cktkjksa rfkk eqnzk cktkj esa laf{kir vof/k dks NksMdj foùkh; cktkj vis{kkd`r vizhkkfor jgsa vkjchvkbz }kjk fd, x, ikwfylhxr glrk{ksiksa us cktkjksa dks iqu% lkeku; djus esa enn dha eqnzk cktkj iw ath izokg esa rjyrk rfkk fjtoz csad ds lkfk dsunz ljdkj ds udnh 'ks"k esa cms ifjorzuksa ds dkj.k rjyrk dh lkef;d vof/k dks NksMdj] eqnzk cktkj 2007&08 esa dqy feykdj O;ofLFkr jgka vkjchvkbz }kjk rjyrk lek;kstu lqfo/kk ¼,y,,Q½ ds rgr fd, x, ikwfylhxr glr{ksi ls eqnzk cktkj dqn gn rd etcwr gqvk rfkk ckn esa bl ikwfylh ds okil fy, tkus ls dkwy@lwpuk nj dks jsiks rfkk izfrorhz jsiks njksa dh lhek esa jgus dh enn feyha dqy feykdj,d o"kz ckn] dkwy nj dk vkslr 6-07 izfr'kr jgk] tks 2006&07 dh vis{kk 115 vk/kkj vad de jgka eqnzk cktkj ds lgorhz [k.m esa C;kt nj & cktkj jsiks ¼,y,,Q ls ckgj½ rfkk lgorhz m/kkj,oa m/kkjnkrk vkca/ k ¼lhch,yvks½ & dkwy njksa ds lkfk vkxs&ihns gksrk jgka lgorhz cktkj 2007&08 ds nksjku dqy jkf'k dk 80 izfr'kr jgrs gq, vc Hkkjr esa eqnzk cktkj dk iz/kku [k.m cu x;k gsa 2007&08 ds nksjku] lhch,yvks esa C;kt njsa 5-20 izfr'kr] cktkj jsiks esa 5-50 izfr'kr rfkk dkwy@lwpuk eqnzk cktkj es aaaaa 6-07 izfr'kr ds vkslr ij jghaa,d o"kz igys rd mijksdr [k.mksa ds fy, C;kt njsa dze'k% 6-24 izfr'kr] 6-34 izfr'kr rfkk 7-22 izfr'kr FkhaA mijksdr rhuksa eqnzk cktkj [k.mksa dh Hkkfjr vkslr nj,d o"kz igys 6-57 izfr'kr dh rqyuk esa 2007&08 ds nksjku 5-48 izfr'kr vakdfyr dh xbza eqnzk cktkj ds vu; [k.mksa esa] tek izek.kdksa ¼lhMh½ ds fy, Hkkfjr vkslr NwV ekpz 2007 ds var esa izfr'kr dh rqyuk esa ekpz 2008 ds var rd 10 izfr'kr FkhA okf.kft;d dkxt cktkj esa] Hkkfjr vkslr NwV 31 ekpz] 2007 dks izfr'kr rfkk vdvwcj 2007 ds var rd 7-65 izfr'kr ls de gks xbz rfkk 31 ekpz 2008 dks izfr'kr igqap xbza fons'kh fofue; cktkj Hkkjrh; #i, us 2007&08 ds nksjku ls #i, izfr MkWyj dh Js.kh esa lkeku;r% n rjqk xfr n'kkzbza o"kz ds 'kq:vkr esa]?kjsyq eqnzk cktkj esa dm+h rjyrk flfkfr;ksa rfkk csadksa }kjk vefjdh MkWyj dh fcøh us #i, dks bldk Lrj ekpz 2007 ds var esa #i, izfr MkWyj ls 29 ekpz 2007 rd #i, izfr MkWyj rd igqapk fn;ka fons'kh lalfkkxr fuos'k ¼,QvkbZvkbZ½ cfgxzeu] Hkkjrh; bfdovh cktkj esa eanh dh flfkfr; a rfkk ;w,l esa mi&iz/kku ca/kd ladv ij fpark ds ifj.kkelo:i Hkkjrh; #i;k de gksdj vxlr 2007 ds izfke Nekgh esa #i, izfr MkWyj gks x;ka #i, dh fofue; nj rri'pkr vf/kd iwath cfgxzeu] ;w,l QsM }kjk C;kt nj esa dvksrh rfkk vu; izeq[k eqnzkvksa dh rqyuk esa vefjdh MkWyj dh detksjh ds dkj.k c<++ha vdvwcj 2007 ls tuojh 2008 ds nksjku #i;k #i, ls #i, izfr MkWyj dh Js.kh esa igqap x;ka Qjojh 2008 ds vkjahk esa],qvkbzvkbz cfgxzeu ¼dPPks rsy dh c<+ +rh dherksa,oa rsy deifu;ksa }kjk MkWyj dh Hkkjh ekax½ ds dkj.k #i;k fxjuk izkjehk gks x;k rfkk ekpz 2008 ds var rd ;g #i, izfr MkWyj FkkA ekpz 2007 ds var rfkk ekpz 2008 ds var ds chp vefjdh MkWyj dh rqyuk esa #i, dh fofue; nj 9-0 izfr'kr c<++ha blh vof/k esa] ikmam LVfyZax dh rqyuk esa #i;k 7-6 izfr'kr c<++k] tcfd ;wjks dh rqyuk esa ;g 7-8 izfr'kr rfkk tkikuh ;su dh rqyuk esa ;g 7-6 izfr'kr de gqvka udn fons'kh fofue; cktkj dh iflfkfr;ka s s s rfkk?kjsyq eqnzk cktkjksa esa lkeku;r% lq[kn rjy iflfkfr;ka us 2007&08 ds nksjku vefjdh MkWyj ij vxz fizfe;e dks de j[kka o"kz ds nksjku iw ath cfgxzeu pkyw ys[kk?kkvs dh vis{kk egrowi.kz :i ls vf/kd jgka 2007&08 ds nksjku eqnzk ifjleifrr] Lo.kZ],lMhvkj rfkk vkbz,e,q ds ikl vkaf'kd fuf/k dks lfeefyr djrs gq, Hkkjr dh fons'kh fofue; fuf/k ekpz 2007 ds var rd fcfy;u vefjdh MkWyj dh rqyuk esa ekpz 2008 ds var rd fcfy;u vefjdh MkWyj c<++ha 6

247 okf kzd fjiksvz 2007&08 ljdkjh izfrhkwfr cktkj 2007&08 dh izfke frekgh ds nksjku ljdkjh izfrhkwfr cktkj esa equkqk] osf'od >qdko dks izfrfcfecr djrs gq, rfkk vkjchvkbz dh dqn ikwfylhxr dkjzokb;ks aaaaa ds dkj.k Hkh dqn gn rd c<+ +ka 11 twu] 2007 dks 10 o"khz; izfrhkwfr ij equkqk 8-32 izfr'kr dh Hkhrjh&o"kZ ÅapkbZ ij igqap x;ka rri'pkr ljy rjy ifjflfkfr;ksa ls equkqk de gqvka vxlr&fnlecj 2007 ds nksjku rfkk mlds ckn equkqk dkqh Js.khc) FkkA 10&o"khZ; equkqk] 2007&08 ds nksjku 7-42&8-32 dh Js.kh esa igqap x;ka 31 ekpz] 2008 dks] equkqk 7-93 izfr'kr Fkk] tks ekpz 2007 ds var dh rqyuk esa 4 vk/kkj vad de FkkA 1&o"khZ; rfkk 10&o"khZ; equkqksa ds chp folrkj ekpz 2007 ds var esa 42 vk/kkj vad ls ekpz 2008 ds var rd 45 vk/kkj vad FkkA yacs var rd] 10&o"khZ; rfkk 30&o"khZ; ds chp folrkj ekpz 2007 ds var rd 37 vk/kkj vad ls ekpz 2008 ds var rd 47 vk/kkj vad c<+zka 5&o"khZ;,,,&Jsf.kr fuxe ck.mksa dk equkqk folrkj 5&o"khZ; ljdkjh izfrhkwfr;ksa ij ekpz 2007 ds var esa 142 vk/kkj vad ls ekpz 2008 ds var esa 161 vk/kkj vad c<++ x;ka izkfkfed cktkj lkoztfud fuxzeksa ds }kjk izkfkfed cktkj ls c<+ s s s lalk/ku finys o"kz ls izfr'kr dh Åaph c<+ +r fjdkmz djrs gq, 2006&07 ds nksjku djksm+ ls 2007&08 ds nksjku djksm+ #i, c<++sa pwafd cgqr ls fuxze 119 ij vifjofrzr jgs] lkoztfud fuxzeksa dk vkslr vkdkj 2006&07 esa 272 djksm+ #i, ls 2007&08 esa 703 djksm+ #i, c<++ka rhu _.k fuxzeksa dks NksMdj] 2007&08 ds nksjku lelr lkoztfud fuxze bfdovh ds :i esa aaaa FksA 119 fuxzeks aaaaa esa ls] 82 fuxze vkajfhkd lkoztfud HksaV ¼vkbZihvks½ Fks] tks dqy lalk/ku laxzg.k ds 47-7 izfr'kr dk vkdyu FksA futh LFkkiu ds }kjk lalk/kuksa dk laxzg.k 2006&07 esa djksm+ #i, ij 2007&08 ds nksjku 45-7 izfr'kr ls djksm #i, c<++ka Hkkjrh; fuxeksa us Hkh 2007&08 ds nksjku vesfjdu tek izkfir;ksa ¼,Mhvkj½ rfkk osf'od tek izkfirk;ksa ls lalk/kuksa 26]556 djksm+ #i, c<++k;ka 2006&07 ds nksjku ;g lalk/ku laxzg.k djksm+ #i, FkkA E;qP;qvy QaMksa }kjk laxzfgr 'kq) lalk/ku finys o"kz esa djksm+ #i, ls 2007&08 esa 63-6 izfr'kr ls 1]53]802 djksm #i, c<++ka E;qP;qvy QaMksa }kjk izcaf/kr 'kq) ifjleifrr;k Hkh ekpz 2007 esa djksm+ #i, ij ekpz 2008 esa egroiw.kz :i ls izfr'kr ls djksm+ #i, c<+ +ka 2007&08 ds nksjku E;qP;qvy QaMksa }kjk fuf/k;ksa ds 'kq) laxzg.k dk yxhkx 67-5 izfr'kr] vk;@_.k cktkj&vfhkeq[kh ;kstukvksa ds rgr FkkA o`f)&vfhkeq[kh ;kstukvksa us 2007&08 ds nksjku 'kq) lalk/ku laxzg.k ds dsoy 30-5 izfr'kr dk vkdyu fd;ka ek/;fed cktkj?kjsyq LVkWd cktkj esa 2007&08 ds nksjku ykhk lhkh {ks=ksa esa QSy x;ka vf/kdrj {ks=h; lwpdkadksa us ekpz 2007 ds var rfkk 8 tuojh] 2008 ds chp vr;f/kd ykhk ntz fd;k fdurq mlds ckn vr;f/kd uqdlku lgka ch,lbz laosnh lwpdkad 8 tuojh] 2008 dks dh lcls vf/kd ÅapkbZ ij FkkA rnqijkar?kjsyq LVkWd cktkj] ;w,l esa mi&iz/kku _.k ladv ds dbksj izhkko rfkk blds vu; ns'kksa ds fofhkuu cktkj [k.mksa esa QSyus dh fpurk ds vr;f/kd rjyrk dk xokg cuka vkjafhkd lkoztfud HksaV ¼vkbZihvks½],QvkbZvkbZ }kjk nh?kzdkyhu iwath ykhk dh Hkkjh fcdokyh] dj esa 10 izfr'kr ls 15 izfr'kr dh o`f)]?kjsyq eqnzklqhfr nj esa o`f)] dpps rsy dh dherksa esa o`f) rfkk ;w,l cktkj esa,mhvkj dh dherksa esa deh ds ifj.kkelo:i ek/;fed cktkj esa cktkj laosnuk rjyrk ncko ls izhkkfor gqbza ch,lbz laosnh lwpdkad ekpz 2007 ds var ij 19 izfr'kr dk ykhk ntz djrs gq, 31 ekpz] 2008 dks ij can gqvka ch,lbz dh cktkj iw ath ekpz 2008 ds var rd rhozrk ls 44-9 izfr'kr ls djksm #i, c<++ha th.mh.ih vuqikr dh cktkj iw ath ekpz 2008 ds var esa izfr'kr fxj tkus ls igys] ekpz 2007 ds var esa 85-5 izfr'kr ls Åij 8 tuojh] 2008 rd izfr'kr c<+ +ha ch,lbz vksj,u,lbz dk 2007&08 ds nksjku jksdm+ [k.m esa la;qdr O;olk; 2006&07 dh vis{kk 76-8 izfr'kr vf/ kd FkkA ckgjh {ks= eky O;kikj?kkVk] e/; 1990 rfkk 2003&04 ds chp th.mh.ih ds 3&4 izfr'kr ds vklikl Årkj&p<+ko ds ckn vr;f/kd xsj&rsyh; vk;krksa] Li"Vr% iwath eky rfkk Åaph dpps rsy dherksa ds dkj.k rhozrk ls 2006&07 esa th.mh.ih dk 6-9 izfr'kr] 2007&08 esa th.mh.ih dk 7-7 izfr'kr c<++ka rfkkfi 2007&08 ds nksjku vn`'; vkf/kd; esa leffkzr o`f) us eky O;kikj?kkVs dh c<+ +ks=h ds izhkko dks lgkjk nsuk tkjh j[kka blds ifj.kkelo:i pkyw ys[kk ÄkVk] th.mh.ih ds lekuqikr ds :i esa 2007&08 esa 105 izfr'kr Fkk] tks finys o"kz 7

248 okf kzd fjiksvz 2007& izfr'kr dh vis{kk vf/kd FkkA vuqdwy?kjsyq foùkh; rfkk vkffkzd ifjflfk;ksa] iw ath [kkrs ds vksj vf/kd ifjekspu us Hkkjr dh c<+ +rh xfr dks cuk, j[kk ftlds ifj.kkelo:i Hkkjr esa 2007&08 ds nksjku iw ath vurokzg dk izokg jgka 108 fcfy;u ;w,l MkWyj ij 'kq) iw ath izokg ¼vUrokZg _.k cfgxzeu½ us 2007&08 esa thmhih dk 9-2 izfr'kr j[kk rfkk ;g 2006&07 dh vis{kk 2-4 xquk vf/kd FkkA Hkkjr] phu ds ckn nwljk lcls LohdkjkRed,QMhvkbZ xuro; ds :i es aaaaa mhkjka 2006&07 esa 8-5 fcfy;u MkWyj dh rqyuk esa 2007&08 esa 'kq),qmhvkbz izokg dh jkf'k 15-5 fcfy;u ;w,l MkWyj jgha vf/kdrj,qmhvkbz izokg bfdovh ds :i esa Fkk tcfd i=k/kku izokg esa,qvkbzvkbz }kjk fd, x, fuos'k lfeefyr gsaa Hkkjr us 2006&07 ds nksjku 1-8 fcfy;u ;w,l MkWyj dh rqyuk esa 2007&08 ds nksjku 2-1 fcfy;u ;w,l MkWyj dh ckgjh lgk;rk ¼'kq)½ izkir dha Hkkjr us vu; ns'kksa dks vuqnku,oa _.k ds :i esa 451 fefy;u ;w,l MkWyj dk ;ksxnku fn;k] ftlesa HkwVku] usiky vksj ckaxykns'k lcls cm+s ykhkkfkhz gsaa izfke frekgh leh{kk Hkkjrh; foùkh; cktkj vxlr 2008 rd dqy feykdj O;ofLFkr jgka eqnzk cktkj esa Årkj&p<ko dh laf{kir vof/k;k ns[kh xbza jkf=dkyhu eqnzk cktkj ds lgorhz [k.m esa C;kt njsa dkwy njksa ls de jgha fons'kh fofue; cktkj esa Hkkjrh; #i;k ;w,l MkWyj ds eqdkcys de gqvka ljdkjh izfrhkwfr cktkjksa esa equkqk?kvka Hkkjrh; bfdovh cktkj Åaps Årkj&p<+ko ds pyrs la'kks/ku dk xokg cuka 2007&08 dh izfke frekgh esa okf.kft;d fu;kzr c<+ +k tcfd vk;kr esa larqyu ns[kk x;ka iw ath izokg vflfkj jgk rfkk eq[; rksj ij,qvkbzvkbz }kjk fd, x, cfgxzeu ds dkj.k 2008&09 ds nksjku 'kq) iwath vurokzg 2007&08 dh lkn`'; vof/k dh vis{kk de jgka 15 vxlr] 2008 dks] fons'kh fofue; fuf/k ekpz 2008 ds Lrj rd 13-5 fcfy;u ;w,l MkWyj ls de gqbza lhkh rf;ksa ij fopkj djrs gq, Hkkjrh; vfkzo;olfkk dk n`f"vdks.k] osf'od tksf[ke ds rgr?kjsyq tksf[keksa dks crykrs gq, la;ksfxd gsa vks ksfxd rfkk lsok {ks=ksa esa vkffkzd xfrfof/k larqfyr jgh rfkk [kk inkfkksza dh dhersa iwjh rjg ls d`f"k mriknksa ij fuhkzj djrh gsaa osf'od vfkzo;olfkk ls vyx] Hkkjrh; vfkzo;olfkk ds c<+ +rh gqbz eqnzklqhfr ds tksf[ke ds lkfk fodkl ds larqyu dh xokg cuus dh lahkkouk gsa 2008 ds nksjku osf'od vfkzo;olfkk es aaaaa eanh tkjh gs tks eq[; :i ls c<+ +rh vfkzo;olfkkvksa esa /kheh o`f) ds dkj.k gsa varjkz"vªh; eqnzk dks"k ¼vkbZ,e,Q½ ds vuqlkj] osf'od th.mh.ih 2007 esa vk'kk gsa ; fi fodkl'khy vfkzo;olfkkvksa dh o`f} izfdz;k esa vhkh rd dksbz izhkko ugha gqvk gs] osf'od foùkh; cktkj fo{kkshk fodkl'khy ns'kksa dh foùkh; iz.kkyh rfkk vkffkzd xfrfof/k esa vljdkjd gks ldrk gsa Hkkjr esa vks ksfxd mriknu o`f) vizssy&twu 2008 ds nksjku de gksdj 5-2 izfr'kr Fkh] tks finys o"kz blh vof/k es aaaaa 10-3 izfr'kr fjdkmz dh xbz FkhA ;g eq[; rksj ij fuekz.k o`f) esa,d o"kz igys 11-1 izfr'kr ls pkyw o"kz esa 5-6 izfr'kr dh deh ds dkj.k FkhA fo qr {ks= es aaaaa o`f),d o"kz igys 8-3 izfr'kr dh rqyuk esa 2 izfr'kr FkhA mihkksx&vk/ kkfjr oxhzdj.k ds lanhkz esa] ;g deh lhkh {ks=ksa esa ns[kh xbza iwath eky {ks= us vizsy&twu 2007 ds nksjku 19-1 izfr'kr ls vizsy&twu 2008 ds nksjku 6-5 izfr'kr dh lcls de o`f) fjdkmz dha vizsy&twu 2008 ds nksjku] lr v/kkslajpuk m ksx dh o`f),d o"kz igys 6-3 izfr'kr dh rqyuk esa 3-5 j[kh xbza pkyw foùk o"kz esa 9 vxlr] 2008 dks dqy eqnzklqhfr] lapkfyr isvªksfy;e mriknksa dh dherksa dks c<+ +kus gsrq leh{kk] vk/kkj /kkrq rfkk izkfkfed inkfkksza dh dherksa esa vkarjkf;d fdurq rhoz o`f) dks izfrfcfecr djrs gq, 12-6 izfr'kr ij flfkj jgha 8 c- chek cktkj dk ewy;kadu rkfydk 1 eq[; cktkj lwpd Hkkjr esa thou,oa 2]29]175 djksm+ #i, xsj&thou cktkj ¼dqy izhfe;e½ fcfy;u ;w,l MkWyj osf'od chek cktkj 4061 fcfy;u ;w,l MkWyj dqy eqnzklqhfr lek;ksftr 13-0 izfr'kr¼ o`f)hkkjr esa izhfe;e 2006&07 esa 35-0 izfr'kr½ izhfe;e esa o`f) ¼fo'o½ thou % 5-4 izfr'kr 2007&08 esa vifyf[kr xsj thou % 0-7 izfr'kr u;s O;olkf;; a ds fy, dqn ugha HkkSxksfyd fu;a=.k bfdovh izfrckaëk fons'kh izorzd bfdovh dk 26 izfr'kr rd j[k ldrs gsa iath;u izfrckaëk fefjr iath;u miyc/k ugha lzksr % flol jh *2006&07 esa fcfy;u ;w,l MkWyjlzksr % flol jh *2006&07 esa fcfy;u ;w,l MkWyj-

249 okf kzd fjiksvz 2007&08 ekpz 2008 ds var rd] Hkkjr esa vbkjg thou chek daifu;k dk;z dj jgh FkhaA rnqijkar],sxkwu jsfyxsj thou chek daiuh fyfevsm rfkk Mh,y,Q izkesfjdk thou chek daiuh fyfevsm dks izkf/kdkjh }kjk iath;u izek.k&i= fn;k x;ka bu nksuksa ubz daifu;ksa ds lkfk Hkkjr esa thou chek daifu;ksa dh dqy la[;k 21 rd igaqp xbza rkfydk 2 Hkkjr esa iathd`r chekdrkz O;kikj dk izdkj lkoztfud {ks= futh {ks= dqy thou chek lk/kkj.k chek 6* 14** 20 iquchzek dqy ekpz 2008 ds var rd] Hkkjr es a 19 lk/kkj.k chek daifu;k dk;z dj jgh FkhaA rnqijkar] Hkkjrh,Dlk tujy chek daiuh fyfevsm dks iath;u izek.k&i= fn;k x;ka blds lkfk] lk/ kkj.k chek daifu;ksa dh dqy la[;k c<++dj 20 gks xbza dk;kzy;ksa dk folrkj thou chekdrkzvksa ds dk;kzy;ksa dh la[;k o"kz 2007&08 esa 65 izfr'kr ls vf/kd dh o`f) fn[kkrs gq, o"kz ds vkjahk es a 5373 ls o"kz ds var rd 8913 ukvdh; <+ ax ls c<+ +ha bl folrkj dk,d izeq[k fgllk futh {ks= esa Fkk] ftuds dk;kzy; 3072 ls 6391] nqxqus ls vf/kd gks x,a,yvkbzlh ds dk;kzy; vf/kd larqfyr gksdj 10 izfr'kr c<++dj 2301 ls 2522 gks x,a *fof'k"v chek daifu;ksa & bzlhthlh rfkk,vkbzlh lfgr **nks O;fDrxr LokLF; chek daifu;k & LVkj LokLF;,oa lgc) chek daiuh rfkk viksyks Mhdsoh LokLF; chek daiuh lfgr rkfydk 3 31 ekpz] 2008 rd thou chek dk;kzy; chekdrkz futh chekdrkz ,yvkbZlh m ksx dqy u V% 1½,d fo'ks"k izi= ds }kjk thou chekdrkzvksa ls,df=r vkadm+sa 2½ chek vf/kfu;e] 1938 dh /kkjk 64 oh lh ds rgr ifjhkkf"kr dk;kzy; egùoiw.kz :i ls] v/kz&'kgjh rfkk y?kq LFkkuksa esa futh thou chekdrkzvksa ds dk;kzy;ksa dh la[;k 2007&08 esa lfeefyr gksdj mppre Lrj rd 140 izfr'kr ls vf/kd 1908 ls 4592 rd c<++ha rkfydk 4 31 ekpz] 2008 rd thou chekdrkzvksa ds dk;kzy;ksa dk forj.k chekdrkz egkuxj 'kgjh v/kz'kgjh vu; dqy futh ,yvkbZlh m ksx dqy u V% 1½,d fo'ks"k izi= ds }kjk thou chekdrkzvksa ls,df=r vkdmsa+a 2½ foùk ea=ky; }kjk fd, x, LFkkuksa ds,pvkj, oxhzdj.k ij vk/kkfjra egkuxj% fnyyh] eqecbz] psuubz] dksydkrk] gsnjkckn rfkk csaxyksja 'kgjh%,pvkj, oxhzdj.k ds,] ch&1] ch&2 oxhzñr 'kgja v/kz'kgjh%,pvkj, oxhzdj.k ds lh oxhzñr 'kgja vu; %,pvkj, oxhzdj.k esa lwphc) ugha fd, x, LFkkuA 9

250 aaaaa okf kzd fjiksvz 2007&08 A½ fo'o chek ifjn`'; 2007 esa c`gr~ vkffkzd okrkoj.k iwjs fo'o esa [kk inkfkksza,oa ÅtkZ dh dherks aaaaa es aaaaa vr;f/kd o`f) ls izsfjr lhekar /kheh vkffkzd o`f) rfkk c<++rh eqnzklqhfr ls izhkkfor jgka eq[; C;kt njksa esa fopyu jgk] fdurq os lkeku;r% de jghaa ; fi 2007 ds var rd os etcwr Fks] LVkWd cktkj 2008 ds vkjahk es aaaaa fxj x,a bl rjg ls finm+us ij iwjs fo'o esa chek izhfe;e dh jkf'k 2006 esa 3723 fcfy;u ;w,l MkWyj dh vis{kk 2007 esa 4061 ;w,l MkWyj vkadh xbza dqy izhfe;e esa ls] thou chek izhfe;e dh jkf'k 2393 ;w,l MkWyj vkadh xbz rfkk 'ks"k jkf'k lk/kkj.k chek O;kikj }kjk 1668 ;w,l MkWyj vkadh xbza bl Lrj ij] dqy osf'od izhfe;e 2006 es aaaaa 5-0 izfr'kr dh rqyuk es aaaaa 2007 es aaaaa lgh ek;uksa esa 3-3 izfr'kr ls c<++ha thou chek izhfe;e esa o`f) yxhkx 5-4 izfr'kr FkhA tgk vks ksfxd ns'kksa esa izhfe;e 4-7 izfr'kr c<++h] ogha mhkjrh gqbz vfkzo;olfkkvksa esa ;g 13-1 izfr'kr c<+ha vks ksfxd ns'kksa esa thou chek O;kikj dk fujarj folrkj isa'ku rfkk okf"kzdh mriknksa ds }kjk gqvk] tks o`) tula[;k rfkk jkt; lkekftd lqj{kk ykhkksa esa deh ls izsfjr FkkA mhkjrh gqbz vfkzo;olfkkvksa ds ekeys esa] etcwr vkffkzd fodkl] vis{kkd`r ;qok tula[;k rfkk c<++rs gq, e/;e oxz us vr;f/kd chek fcøh esa viuk ;ksxnku fn;ka mhkjrs gq, cktkjksa esa] 2006 esa 21-1 izfr'kr ds eqdkcys 2007 ds nksjku thou chek esa o`f) 13-1 izfr'kr FkhA thou chek O;kikj dk ykhk vusd ns'kks aaaaa es aaaaa c<+uk tkjh jgk D;ks afd de C;kt nj okrkoj.k fn[kkus ds fy, ykxr esa dvksrh dh xbz] xkjuvhm C;kt njsa?kvk nh xbz rfkk ykhk fgllsnkjh lek;ksftr dj yh xbz FkhA osf'od xsj&thou O;kikj 2006 esa 1-5 izfr'kr ds eqdkcys 2007 esa 0-7 izfr'kr c<+ka xsj&thou O;kikj esa osf'od o`f) fu"iknu vks ksfxd ns'kksa rfkk mhkjrs gq, cktkjksa esa vyx&vyx jgka tgk vks ksfxd ns'kksa us 0-3 izfr'kr dh,d udkjkred o`f) fn[kkbz] ogha mhkjrs gq, cktkjksa us dqn {ks=ksa tsls eksvj] r`rh; i{k nkf;ro rfkk LokLF; esa etcwr vkffkzd fodkl rfkk lqj{kk&jkf'k dh vfuok;zrk 'kq: fd, tkus ds dkj.k xsj&thou chek O;kikj esa 10-2 izfr'kr dh,d eq[kj o`f) fn[kkbz imha Hkkjr vksj phu us nksuksa thou rfkk xsj&thou O;kikj esa etcwr fu"iknu ntz fd;ka phu us vius thou&chek izhfe;e esa 19 izfr'kr rfkk xsj&thou chek izhfe;e esa 20 izfr'kr o`f) ntz dha etcwr vkffkzd fodkl]?kjsyq iz;kst; vk; esa ifj.kkelo:i o`f)] vukofjr cktkjksa esa chek daifu;ksa dk izos'k] rfkk vfuok;z eksvj r`rh;&i{k nkf;r; dh 'kq:vkr] phu ds chek m ksx ds etcwr fu"iknu gsrq ;s lhkh izeq[k ;ksxnku nsus okys dkjd gsaa Hkkjr esa thou chek O;kikj ;w,l MkWyj ds lanhkz esa 14-2 izfr'kr c<+k] ftlesa xsj&thou chek O;kikj 5-6 izfr'kr ls c<+ka u, mriknksa dk vkxeu rfkk forj.k dh izfdz;kvksa rfkk vukofjr cktkjksa esa futh chek daifu;ksa dk izos'k] ;s lhkh izeq[k ;ksxnku nsus okys dkjd gsaa rfkkfi] 'kqyd esa deh rfkk ifj.kkelo:i izhfe;e njksa esa dvksrh ds dkj.k xsj&thou O;kikj esa chek daifu;ksa dk ykhk izhkkfor gqvka 2008 ds fy, osf'od n`f"vdks.k thou rfkk xsj&thou chek O;kikj nksuksa ds fy, v'kqhk jgka tgk iw ath,oa LVkWd cktkj esa vfuf'pùkk ds lapyu dh lahkkouk gs] bdkbz&lec} thou chek mriknksa dh ekax esa deh] vkffkzd xfrfof/k;ksa esa f'kffkyrk ls xsj&thou cktkj esa izhfe;e o`f) eas deh dh vk'kk gsa vr% f'kffky cktkj esa fn, xsj&thou chek ds fy, 2008,d pquksrhiw.kz o"kz jgsxka njksa ij fufgr ncko rfkk vkffkzd xfrfof/k;ksa esa deh ls] xsj&thou cktkj esa 'kh"kz ij izhfe;e o`f) flfkj jgus dh vk'kk gsa vks ksfxd vfkzo;olfkkvksa esa] izhfe;eks aaaaa es aaaaa deh vkus dh vk'kk gs] tcfd mhkjrh gqbz vfkzo;olfkkvks esa o`f) ds /khes jgus dh vk'kk gsa vifyf[kr ifj.kkeksa ¼ykHk@gkfu½ ds vksj fcxmus dh vk'kk gsa eqnzklqhfr esa,d etcwr c<+r dk nkf;ro chek ds rduhdh fuf/k rfkk vu; yacs&ifj.kke a okys O;kikj ij dbksj] udkjkred izhkko imsxka e/; vof/k esa thou chek ds fy, n`f"vdks.k ldkjkred jgka pwafd vkffkzd okrkoj.k rfkk iwath cktkj e/; vof/k esa flfkj jgus dh vk'kk gs] thou chek }kjk vius etcwr fu"iknu dks mldh iquozlfkk esa ykus dh vk'kk gsa vks ksfxd ns'kksa esa] isa'ku rfkk okf"kzdh dh fcøh gsrq o`)kolfkk izko/kkuksa dks tkjh j[kus dh vko';drk gsa cgqr ls mhkjrs gq, cktkjksa esa] izeq[k cktkj folrkj dh lahkkouk] tks mpp iz;kst; vk; rfkk vis{kkd`r ;qok tula[;k ds lkfk vkxs&ihns gks jgh gs] vkus okys o"kksza es aaaaa cpr rfkk lqj{kk mriknksa nksuksa dh fcøh ds iszjd jgsaxsa 10

251 ANNUAL REPORT

252 okf kzd fjiksvz 2007&08 AA½ Hkkjrh; chek m ksx Hkkjr tsls ns k ftlesa,d cm+h tula[;k rfkk vlhfer lahkkouk gs chek,d cm+k volj gsa cm+h tula[;k rfkk vlhfer cktkj ds lkfk] chek Hkkjr esa,d cm+k volj gsa thou chek O;kikj ¼izFke o kz dh izhfe;e ds eku ls½ us 2007&08 esa izfr kr o f) ntz dh gs ¼2006&07 esa izfr kr Fkh½A lk/kkj.k chek O;kikj ¼ldy izr;{k izhfe;e½ us 2007&08 esa izfr kr dh o f) ntz dh gs ¼2006&07 esa 3-52 izfr kr Fkh½A blds ifj.kkelo:i ns k esa chek izos k c<+ jgk gsa chek izos k vfkok izhfe;e jkf k thmhih ds,d lekuqikr ds :i esa] 2007 ds fy, thou chek gsrq 4-00 izfr kr rfkk xsj&thou chek ds fy, 0-60 izfr kr jgka izos k dk Lrj] Li V :i ls thou chek es a] vk; Lrj es a o f) ds :i esa vxzlj gsa Hkkjr] blds cms e/;e oxz ifjokj ds lkfk chek m ksx ds fy, o f) lahkkouk iznf kzr dj pqdk gsa dbz fodflr vfkzo;olfkkvksa esa cktkj dh lar fir us Hkkjrh; cktkj dks osf od chek iz/kkuksa ds fy, vksj vf/kd vkd kzd cuk fn;k gsa Hkkjr esa chek cktkj thou rfkk xsj&thou [k.mksa esa] cm+h la[;k esa osf od chekdrkzvksa ds izos k dks feykrs gq,,d xfr khy ifjorzu dk xokg cuk gsa vf/kdrj futh chek daifu;kas dh osf od Lrj ij eku;rk izkir fons kh daifu;ksa ls lkfk la;qdr Hkkxhnkjh gsa finys vkb o kksza esa] mihkksdrk tkx:drk c<+h gsa izfrli/kkz us vksj vf/kd u, mrikn rfkk mùke xzkgd lsok nh gsa blls vfkzo;olfkk ij bl {ks= esa vk; c<+kus vksj jkstxkj ds volj isnk djus esa,d ldkjkred izhkko gqvk gsa A½ thou chek ekpz 2008 ds var rd thou chekdrkzvksa dh dqy iw ath djksm+ + #i, FkhA 2007&08 ds nksjku orzeku futh chekdrkzvksa }kjk tks vfrfjdr iwath ykbz xbz og djksm+ #i, Fkh rfkk nks u, izos kdrkzvks a }kjk ykbz xbz bfdovh jkf k 385 djksm+ #i, Fkh ftlls 2007&08 esa futh chekdrkzvksa }kjk ykbz xbz vfrfjdr iwath dk dqy ;ksx djksm+ #i, gks x;ka blesa?kjsyq rfkk fons kh la;qdr Hkkxhnkjksa us dze k% djksm+ #i, rfkk djksm+ #i, vksj tksm++sa rkfydk 5 iznùk iwath % thou chekdrkz ¼#i, djksm+ esa½ chekdrkz 31 ekpz 2007&08 31 ekpz] ds nksjku o`f),yvkbzlh futh {ks= dqy ,yvkbZlh ds ekeys es a ftldh iw ath 5 djksm+ #i, Fkh] iw ath dh dksbz la; Tku ugha jgka mriknksa esa uohurk chek m ksx esa o`f) chekdrkzvksa }kjk mriknksa esa uohurk] vusd forj.k ek/;eksa ftugsa izpkj ek/;eksa ls tksm+ fn;k x;k rfkk izorzd vfhk;kuksa ds }kjk izsfjr jgha uohurk u dsoy mriknksa ls tqm+ s ykhkks a ds :i es a lkeus vkbz] cfyd foùkh; lsok ds vanj rfkk ckgj ds {ks= nksuks a cgqr ls cktkj la;kstu ds }kjk lqiqnzxh ra= ls Hkh vk,a bu lhkh iz;klksa us thou chek dks xzkgd ds cgqr djhc ykdj bls vksj vf/kd izklafxd cuk fn;ka chek daifu;k chek lqj{kk }kjk thou ds j{kk ds lans'k ds lkfk rsth ls v/kz&'kgjh,oa xzkeh.k {ks=ksa dk lhekadu dj jgh gsaa chekdrkzvksa us xzkeh.k cktkjksa dks mn~ns'; cukrs gq, fo'ks"k mriknksa dk Hkh ifjp; djk;k gsa ;wfyi mriknksa dh lajpuk dbza lahkkoukvksa dks lacksf/kr rfkk vfhkhkwr djrh gs ftuga s iwoz es a xzkgd viuk pqds gks a tsls rjyrk] yphykiu rfkk ikjnf'kzrka ;wfyi laxfbr mrikn gsa tks ikwfylh/ kkjd dks fodyi nsrs gsaa izkf/kdkjh U;wure lqfuf'pr jkf'k dk myys[k] izhfe;e Hkqxrku ds fy, U;wure vof/k dk myys[k rfkk dbza vu; vko';drkvksa,u,oh dh x.kuk dks 'kkfey djrs gq, bdkbz lec) mriknksa ds fy, fn'kk&funsz'k cukrs gsaa ;wfyi fn'kk&funzs'kksa ds lkfk] yxus okys 'kqyd rfkk lacaf/kr tksf[ke esa vksj vf/kd ikjnf'kzrk vk tkrh gsa fuf/kokj 'kq) ifjleifùk ewy; ¼,u,oh½ rfkk i=k/kku fu;ru fu;fer vk/kkj ij crk, tkrs gsaa c<+h gqbz bl izfrli/kkz dk lcls egroiw.kz vlj iw.kz lqj{kk ;kstukvksa dh njksa esa deh ds :i esa gqvka finys lkr o"kksza esa] njksa dh leh{kk dj mugsa de fd;k x;k] rfkk ;g bl {ks= ds vkjahk gksus ds igys dh O;kIr njksa ds eqdkcys dkqh de gsa 12

253 okf kzd fjiksvz 2007&08 thou chek cktkj dh izfrli/kkz ikwfylh/kkjdksa ds fy, ykhkdkjh cu xbz gsa lkfk gh lkfk] ckek m ksx viuh vifyf[kr rfkk tksf[ke izca/ku ;ksx;rkvksa dks fodflr dj lq/kkj jgk gsa vof/ k njks a es a deh ikwfylh es a lqfuf'pr dh tkus okyh jkf'k dk Lrj c<+kus es a lgk;d gqbz gsa lqj{kk ds bl mpp Lrj ;g vfkz gs fd xzkgd tksf[ke dks de djus dh vko'drk ds izfr vf/kd vfhkk gsa rfkkfi] fodflr ns'kksa rfkk vu; mhkjrh gqbz vfkzo;olfkkvksa esa lqfuf'pr dh xbz jkf'k ds Lrj nsus ds lkfk] chekd`r O;fDr;ksa ds chp Hkh vfrfjdr lqj{kk dh vko';drk dks tksm+us dh vhkh vksj xqatkb'k gsa thou chek daifu;k Hkh lajfpr fjvk;jesav ;kstuk gsrq cm+h vko';drk dks igpkuus esa rùij jgh gsa rfkk mugksaus bl [k.m dks cukus esa nh?kzdkfyd QaM izca/ku gsrq viuh ;ksx;rk, fn[kkbz gsa isa'ku dks,d vko';drk ds :i esa igpku feyh gs rfkk ;g ns'k esa fodkl rfkk ;g thou chekdrkz ds i=k/kku ds egroiw.kz Hkkx dks cukus ds fy,,d volj iznku djrh gsa vhkh gky gh esa] futh thou chekdrkzvksa us nh?kzdkfyd e`r;q&la[;k rfkk :X.krk esa mudh ;ksx;rkvksa ds lkfk okf"kzdh dks izlrqr fd;k gsa lewg chek O;kikj esa Hkh o`f) izhkko'kkyh jgh gsa vf/kof"kzrk rfkk minku O;kikj Hkh is'ksoj QaM&izca/ku dh etcwrh ls c<+k gs rfkk ewy;&of/kzr lsok dk ijiks"kh gsa uohuhdj.k gsrq brus volj nsrs gq,] Hkkjr esa thou chek {ks= ls Hkfo"; esa ubz izhfe;e dh fodkl xfr dks cuk, j[kus dh vk'kk gsa ubz iwkfyfl;k bl m ksx }kjk 2006&07 ds nksjku yk[k ds eqdkcys 2007&08 esa izfr'kr dh o`f) fn[kkrs gq, [kjhnh xbz ubz ikwfyfl;ksa dh la[;k yk[k FkhA tgka futh chekdrkzvksa us izfr'kr dh o`f) iznf'kzr dh] ¼fiNys o"kz izfr'kr½] ogha,yvkbzlh us 2006&07 esa izfr'kr ds eqdkcys 1-61 izfr'kr dh _.kkred o`f) fn[kkbza rkfydk 6 tkjh dh xbz ubz ikwfyfl;k % thou chekdrkz chekdrkz 2006& &08,yvkbZlh (21.01) (-1.61) futh {ks= (104.64) (67.40) dqy dks"bd esa fn, x, vkadm+sa o`f) nj fn[kkrs gsa ¼izfr'kr esa½za futh chekdrkzvksa rfkk,yvkbzlh dh cktkj fgllsnkjh] csph xbz ikwfyfl;ksa dh la[;k ds eku ls] 2006&07 esa Øe'k% izfr'kr rfkk izfr'kr ds eqdkcys Øe'k% izfr'kr rfkk izfr'kr FkhA izhfe;e thou chek m ksx us finys foùkh; o"kz esa djksm+ #i, ds eqdkcys 2007&08 ds nksjku izfr'kr dh o`f) ntz djrs gq, djksm+ #i, izhfe;e dh vk; fjdkmz dha 2007&08 esa fu;fer izhfe;e],dy izhfe;e rfkk uohuhdj.k izhfe;e Øe'k% djksm+ #i, ¼27-26 izfr'kr½] djksm+ #i, ¼19-28 izfr'kr½ rfkk djksm+ #i, ¼53-46 izfr'kr½ FkhA ;fn ;kn djsa fd 2000&01 esa] tc bl m ksx dh 'kq:vkr gqbz Fkh] thou chek izhfe;e 34] djksm+ #i, Fkh ftlesa fu;fer izhfe;e ds djksm+ #i, ¼19-96 izfr'kr½],dy izhfe;e ds djksm+ #i, ¼7-86 izfr'kr½ rfkk uohuhdj.k izhfe;e ds djksm+ #i, ¼72-18 izfr'kr½ 'kkfey FksA igys o"kz dh izhfe;e jkf'k ¼,dy izhfe;e rfkk fu;fer izhfe;e dks feyk dj½ 2006&07 esa djksm+ #i, ds eqdkcys 2007&08 esa djksm+ #i, vkadh xbz ftlus 2006&07 esa izfr'kr ds eqdkcys 2007&08 esa izfr'kr dh o`f) ntz dha 2006&07 dh vf/kd o`f) ij 2007&08 esa igys o"kz dh izhfe;e o`f) ;wfuv fyadm mriknksa dh yxkrkj yksdfiz;rk ds dkj.k jgha ;g ns[kk x;k fd,yvkbzlh us 2006&07 ls vius cktkj dks'ky dks ;wfuv fyadm mriknksa ds lefkzu LFkkukarfjr dj fn;k ; fi,yvkbzlh dk izn'kzu 2007&08 es a de gqvk gsa tgka m ksx Lrj ij],yvkbzlh }kjk chfer izhfe;e esa deh ds pyrs,d o`f) jgh gs] ogha 2006&07 ds eqdkcys 2007&08 esa o`f) Lrj de gqvk gsa,yvkbzlh us,d izhfe;e os;fdrd ikwfyfl;ksa esa izfr'kr dh o`f) ntz dh gs rfkk xsj&,dy izhfe;e os;fdrd ikwfyfl;ksa esa 6-48 izfr'kr dh deh gqbz gsa,yvkbzlh us lewg,dy izhfe;e esa 9-11 izfr'kr dh o`f) ntz dh gsa buds eqdkcys] futh chek daifu;ksa us os;fdrd,dy rfkk xsj&,dy ikwfyfl;ksa esa dze'k% izfr'kr rfkk izfr'kr dh o`f) ntz dh gsa futh chekdrkzvksa }kjk lewg,dy rfkk xsj&,dy [k.mksa es a chfer ikwfyfl;ks a dh la[;k es a o`f) dze'k% 54 rfkk 1 izfr'kr ntz dh xbza 2007&08 es a igys o"kz dh izhfe;e rfkk uohuhdj.k izhfe;e ds fgllksa dk dqy izhfe;e esa LFkkukarj.k gksuk ns[kk x;ka 2007&08 esa uohuhdj.k izhfe;e dh jkf'k dqy chfer izhfe;e dh izfr'kr vkadfyr dh xbz] tks 2006&07 esa izfr'kr ds eqdkcys dqn vf/kd gsa 13

254 okf kzd fjiksvz 2007&08 thou chek O;kikj esa izokg & ;wfuv fyadm ;kstuk, ckwdl en 1 ;g cgqr iqjkuh ckr ugha gs tc fdlh lehkko;?kvuk rfkk foùkh; mn~ns'; gsrq cpr djus ds fy, fdlh O;fDr dk chek gsrq vpns iqjkus,amksesav ;kstuk dks pquk tkrk FkkA ikjeifjd,amksesav ikwfyfl;k viuh fuf/k iwath dh lqj{kk crksj eq[; :i ls LFkkbZ C;kt] ljdkjh izfrhkwfr;ksa Rkk vu; lqjf{kr fuos'kksa esa yxk jgh FkhaA bl rjg ls ijeijkxr tksj ges'kk ls equkqs dh vis{kk iwath dh lqj{kk ij jgka rfkkfi] lewps fo'o esa eqnzklqhfr dk izokg fn[kus ls ;g eglwl fd;k x;k fd thou chek ds }kjk cpr vukdf"kzr gksrh tk jgh Fkh rfkk ikfylh/kkjdksa dh vkdka{kk ds vuq:i ugha gks ik jgh FkhA ikfylh/kkjdksa us ;g ik;k fd ifjidork ds le; lqfuf'pr dh xbz jkf'k dk ewy; :i, ds ewy; esa deh ds dkj.k lgh ek;uksa esa?kv tkrk gsa fuos'kd thou chek ds rgr nh tkus okyh iwath dh lqj{kk ls larq"v ugha Fks rfkk mugksaus vius fuos'k ij okilh dh Åaph nj RkFkk iwath c<+kus gsrq viuh bpnk fn[kkbza blfy,] chek daifu;ksa ds fy, ;g vko';d gks x;k fd,d rjhds ds ckjs esa fopkj fd, tk, ftlds }kjk ikfylh/kkjdksa dh vis{kkvksa dks larq"v fd;k tk ldsa bldk mn~ns'; chek djkj ds }kjk mugsa eqnzklqhfr ds izfr,d lqj{kk iznku djus dk FkkA lqjf{kr fjvuz,amksesav esa deh rfkk chek {ks= ds vkjahk ls?kjsyq chek ifjn`'; esa ;wfyi dk vkxeu gqvka vkt] Hkkjrh; thou chek cktkj ;wfuv fyadm ;kstuk ds dkj.k cgqr rsth ls vkxs Ck<+ jgk gsa ;wfyi rfkk bldh fo'ks"krk, ;wfuv fyadm Iyku ¼;wfyi½,slh ;kstuk, gs tks fuos'k rfkk chek nksuksa ds ykhkksa dks lfeefyr djrh gsaa os fuos'kdksa dks mudh izhfe;e ds,d Hkkx dks fofhkuu fuos'k i=k/kku esa yxkus dk,d fodyi nsrh gsa rfkk muds }kjk pquh xbz fuf/k ds fu"iknu ds vk/kkj ij mldk ykhk nsrh gsaa ;wfyi dks,d lgh le; ij ykap fd;k x;k Fkk tc LVkWd cktkj FkksM+k fxj x;k FkkA cktkj&lec) gksus ls] os LVkWd cktkj esa nh?kzdkfyd mrfkku ds eq[; ykhkkfkhz gsaa ;wfyi us muds }kjk nh tkus okyh vkd"kzd fo'ks"krkvksa ds dkj.k mpp Lohdk;Zrk ikbz gsa 1- yphykiu 1- lqfuf'pr jkf'k dks pquus gsrq yphykiua 2- izhfe;e jkf'k dks pquus gsrq yphykiua 3- ;kstuk izkjahk gksus ds i'pkr Hkh izhfe;e dh jkf'k ifjofrzr dj ldrs gsa ¼VkWi vi lqfo/kk½a 4- fuf/k;ksa ds ifjorzu ds }kjk ifjleifùk fu;ru gsrq yphykiua 2- ikjnf'kzrk 1- ;kstuk,oa 'kq) jkf'k esa cnyko dh tkudkjh xzkgd dks nh tkrh gsa 2- nsfud vk/kkj ij fdlh O;fDr ds fuos'k fu"iknu dks tkuus dh lqfo/kka 3- rjyrk 1- dqn o"kz ckn #i;k fudkyus dk fodyi ¼ladV ds le; vkjke dh vko';drk½a 2- U;wure vof/k esa deha 3- vkaf'kd@lqo;oflfkr vkgj.k dh vuqefra 4- fuf/k fodyi 1- fuf/k dk fodyi ¼bfDoVh] _.k] jksdm+ vfkok lcdk lfeeyu dh Js.kh esa ls½a 2-,SfPNd ifjleifùk fu;ru dss vk/kkj ij fuf/k fej pquus dk fodyia 14

255 okf kzd fjiksvz 2007&08 ijkeijkxr :i ls],amkseasv ;kstuk, ljdkjh izfrhkwfr;ksa] fuxe ckamksa rfkk eqnzk cktkj esa fuos'k dh xbza rfkkfi ;wfyi vusd fodyi j[krk gsa os dgha Hkh tsls LVkWd] ljdkjh izfrhkwfr;ksa] fuxe ckamksa rfkk eqnzk cktkj nlrkost esa fuos'k djrs gsaa bl izdkj] ;wfyi esa dbza a fodyi gksrs gsa ftlesa bfdovh fuos'k j[ks tkrs gsaa ;wfyi esa tks lkeku; izdkj ds Q.M miyc/k gsa] os ckwum QaM] izksvsdvj QaM] lqjf{kr QaM] csysal~m QaM] xzksfk QaM] bamsdl d "k rfkk o`)dkjd d "k gsaa fdlh O;fDr dh tksf[ke vkdka{kk ij fuhkzj djrs gq, og O;fDr d "k dk p;u dj ldrk gsa rfkkfi fuos'k tksf[ke fuos'kdrkz }kjk ogu fd, tkrs gsaa chek daifu;ksa ds fy, fu;fer vk/kkj ij fofhkuu ;wfyi esa,u,oh dh?kks"k.kk djuk vko';d gksrk gsa,u,oh dh xfrfof/ k ikwfylh/kkjd dks mlds fuos'k ds fu"iknu dk ewy;kadu djus esa lgk;d gksrh gs rfkk rn~uqlkj og ifjorzu] vkgj.k rfkk VkWi&vi ds :i esa glr{ksi djrk gsa chek {ks= dk vkjahk gksus ds ckn] ;wfuv fyadm chek ikwfyfl;k ¼;wfyIl½ dks cm+s Lrj ij yksdfiz;rk feyh gsa finys rhu o"kksza ds vkadm+ksa dk fo'ys"k.k djus ls bdkbz lec) O;kikj dh o`f) ckuxh Kkr gksrh gsa thou chek O;olk; esa izo`fùk;k & ;wfuv fyadm chek ;kstuk, ;wfuv fyadm O;kikj ¼izfr'kr½ vlec) O;kikj ¼izfr'kr½ futh ,yvkbZlh m ksx

256 a okf kzd fjiksvz 2007&08 tslk fd O;kikj vka dmksa rfkk mijksdr rkfydk esa fn[kk;k x;k gs] ;g ;wfuv fyadm O;kikj gh gs] tks finys 2&3 o"kksaz ls izhfe;e ds fodkl dk izsjd gsa tgka futh chekdrkzvksa us bl [k.m esa c<+r cukbz gs] ogha,yvkbzlh us Hkh finys rhu o"kksz es a ;wfyi dh fcøh es a etcwrh fn[kkbz gsa ;wfyi dh c<+rh yksdfiz;rk ds ckotwn Hkh ;g,d rf; gs fd ikwfylh/kkjd forjdks }kjk nh xbz lykg ij gh vr;f/kd Hkjkslk djrs gsaa ikwfyfl;ksa dh tfvy lajpuk ds dkj.k mugsa mriknksa dh fo'ks"krkvksa dh vf/kd tkudkjh ugha gks ikrh gs RkFkk vfhkdrkzvksa }kjk xqejkg fd, tkus dh lahkkouk vf/kd gksrh gsa xzkgdksa dk fgr lqjf{kr djus gsrq] vkbzvkjmh, us fueufyf[kr igy dh gs% 2005 esa O;kid ;wfyi fn'kk&funsz'kksa dk izdk'ku ftlesa U;wure tksf[ke doj] rhu o"khz; ykwd&bu] ljy Hkk"kk dk mi;ksx] mfpr izdvu],u,oh dk ewy;kadu djus dh ekud i)fra chekdrkzvksa dks thou chek ifj"kn ds fn'kk&funsz'kksa ds vuqlkj fjvuz iz{ksi.ka ikjnf'kzrk lqfuf'pr djuk] vkbzvkjmh, us chekdrkzvksa dks funsz'k fn, gsa os izr;sd o"kz izr;sd ikfylh ds fy, vyx ls mu lhkh izhkkjksa ftugsa ikwfylh/kkjd dks fuos'k gsrq miyc/k jkf'k ds lkfk ogu djuk gksrk gs] dh lwph yxk,a vkbzvkjmh, us ;g Hkh o.kzu fd;k gs fd iwkfylh/kkjd dks,d izys[k ij glrk{kj djus gksaxs ftlesa ;g fy[kk gksxk fd mugksaus fcøh ds igys iwkfylh dh lhkh 'krksza dks le> fy;k gsa xzkgd ;fn iwkfylh dh 'krksza ls larq"v ugha gs] rks og 15 fnolh; eqr ykwd vof/k dk mi;ksx dj ldrk gsa ;wfuv fyadm mriknks a es a ls tfvyrk gks gvkus gsrq vkbzvkjmh, us chekdrkzvksa dks ;g lykg nh gs fd os dqn chekafdd fuf?kd ;wfyi ds igyqvksa dks cuk,a osf'od Lrj ij] ;wfuv fyadm mriknksa dks xzkgdksa dks yphysiu rfkk fuos'k fodyi rfkk daifu;ksa dks iw ath dk;zdq'kyrk iznku djus dks n`f"vxr j[kdj vkd"kz.k ds :i es a ns[kk x;k gs A 2001 es a cktkj <+gus ds ckn] xzkgdks a us ;wfuv fyadm mriknksa esa vksj vf/kd lqj{kk,oa xkjavh ns[kuk 'kq: fd;ka ;wfuv fyadm mriknksa esa xkjavh tksm+uk ;wjksi] mùkjh vesfjdk,oa tkiku esa vke ckr gsa ;wfuv fyadm cktkj ; fi,f'k;k esa u;k gs] rfkkfi og dksfj;k] rkbzoku rfkk nf{k.k&iwohz,f'k;k tsls ns'kksa esa rsth ls c< jgk gsa ifjorzu'khy okf"kzdh mrikn bu cktkjksa esa /kheh xfr ls mhkj jgs gsa rfkk xzkgdksa ds n`f"vdks.k ls os vfrvkd"kzd gsa] fo'ks"kdj tc tc os isa'ku cpr ij xkjavh iznku djrs gksaa Hkkjr esa] ;wfuv fyadm Iyku ¼;wfyi½ RkFkk E;qP;qvy QaMksa dh mi;qdrrk ij yacs le; ls py jgk fookn fuos'kdksa dh vko';drkvksa dks Hkyh&Hkkafr le>dj mfpr rjhds ls fuivk;k tk ldrk gsa E;qP;qvy QaM e/;e vof/k mriknksa ds fy, vfuok;z :i ls de gsa ;wfyil dks] blds foijhr] nh?kkzof/k mriknksa ds :i esa igpku feyh gs ftlesa thou lqj{kk dk,d rro Hkh gsa ;g le>uk izklafxd gs fd Hkkjrh; ifjokjks a dk iw ath cktkjks a dh vksj izhkko lhfer gsa,d fuos'kd ds fy, mlds foùkh; y{; rfkk fuos'k dk {ks= le>uk egroiw.kz gs ftlls fd og,d lwpukc) fuos'k fu.kz; ys ldrk gsa 16

257 okf kzd fjiksvz 2007&08 rkfydk 7 thou chekdrkzvksa }kjk chfer izhfe;e ¼#i, djksm+ esa½ chekdrkz fu;fer izhfe;e,yvkbzlh (117.70) (-12.26) futh {ks= (105.59) (85.24) dqy (113.40) (21.00),dy izhfe;e,yvkbzlh (78.10) (28.24) futh {ks= (44.04) (27.82) dqy (72.60) (28.18) igys o"kz dh izhfe;e,yvkbzlh (97.17) (6.71) futh {ks= (89.08) (73.56) dqy (94.96) (23.88) uohuhdj.k izhfe;e,yvkbzlh (14.97) (25.41) futh {ks= (83.37) (102.16) dqy (19.87) (33.83) dqy izhfe;e,yvkbzlh (40.79) (17.19) futh {ks= (87.31) (82.50) dqy (47.38) (29.01) u V % dks"bd esa fn, x, vkadm+s o`f) fn[kkrs gsa ¼izfr'kr esa½ thou chek cktkj dk vkdkj vfkzo;olfkk esa o`f) dh etcwrh rfkk izfr O;fDr vk; esa lgxkeh o`f) ds dkj.k c<+ x;ka blds ifj.kkeli:i 2007&08 esa,yvkbzlh ¼17-19 izfr'kr½ rfkk futh chekdrkvksza ¼82-50 izfr'kr½ nksuksa dh dqy izhfe;e esa vuqdwy o`f) jgha futh chekdrkzvksa us mudh cktkj fgllsnkjh o"kz ds nksjku laxzfgr dh xbz dqy izhfe;e esa ls 2006&07 esa izfr'kr ls 2007&08 esa izfr'kr c<+kbza 2007&08 ds nksjku igys o"kz dh chfer izhfe;e dk i`fkddj.k ladsr nsrk gs fd chfer izhfe;e esa ls thou] okf"kzdh] isa'ku rfkk LokLF; us finys o"kz dze'k% 67-40] 2-62] rfkk 0-04 izfr'kr ds eqdkcys Øe'k% 59-54] 2-75] rfkk 0-10 izfr'kr ;ksxnku fn;ka isa'ku mriknksa ds lefkzu esa LFkkukarj.k yxkrkj rhljs o"kz Hkh fn[kkbz nsrk gsa uohuhdj.k izhfe;e esa o`f) chekdrkzvksa }kjk chfer O;kikj dh xq.koùkk dk,d vpnk ekid gsa blls n`<+rk lekuqikr es a o`f) dk irk pyrk gs rfkk ;g chekdrkzvks a dks O;kikj djus ds fy, dqy ykxr es a deh djus es a lefkz cukrh gsa thou chek m ksx }kjk chfer uohuhdj.k izhfe;e 2006&07 esa izfr'kr ds eqdkcys 2007&08 ds nksjku izfr'kr c<+ha leh{kkxr o"kz ds nksjku futh chekdrkzvksa vksj,yvkbzlh us Øe'k% izfr'kr rfkk izfr'kr o`f) ntz dha rkfydk 8 thou ckhek dh cktkj fgllsnkjh ¼izfr'kr½ chekdrkz fu;fer izhfe;e,yvkbzlh futh {ks= dqy ,dy izhfe;e,yvkbzlh futh {ks= dqy igys o"kz dh izhfe;e,yvkbzlh futh {ks= dqy uohuhdj.k izhfe;e,yvkbzlh futh {ks= dqy dqy izhfe;e,yvkbzlh futh {ks= dqy

258 ANNUAL REPORT

259 okf kzd fjiksvz 2007&08 igys o"kz dh izhfe;e dk lec),oa xsj&lec)?kvd esa i`fkddj.k ¼chfer izhfe;e ds ekfld vkadmksa ij vk/kkfjr½ ls lec) mriknksa dh vksj lesdu dk irk pyrk gs] ftlesa 2006&07 esa djksm+ #i, ds eqdkcys 2007&08 esa chfer izhfe;e djksm+ #i, gs] ftldh izfr'kr dh o`f) gsa xsj&lec) izhfe;e 2006&07 esa djksm+ #i, ds eqdkcys djksm+ #i, Fkh] vfkkzr blesa izfr'kr dh,d _.kkred o`f) FkhA lec) rfkk xsj&lec) O;kikj 2006&07 esa dze'k% rfkk izfr'kr ds eqdkcys 2007&08 esa dqy O;kikj dk dze'k% rfkk izfr'kr vkadfyr fd;k x;ka 2007&08 dh izfke Nekgh esa ns'k esa lec) mriknksa gsrq lefkzu ds izfr fujarj ifjorzu LVkWd cktkj ds lrr~ ldkjkred fu"iknu ds lkfk leikrh fd;k x;ka,yvkbzlh ds ekeys esa] igys o"kz dh izhfe;e dk izfr'kr lec) mriknksa ls Fkk tcfd xsj&lec) mriknksa us izfr'kr ¼2006&07 esa dze'k% rfkk izfr'kr½ dk ;ksxnku fn;ka futh chekdrkzvksa ds ekeys esa] ;s vuqikr 2006&07 esa dze'k% rfkk izfr'kr ds eqdkcys 2007&08 esa rfkk 8-03 izfr'kr FksA ;wfuv fyadm mriknksa us finys pkj o"kksza esa xzkgdksa dh bu mriknksa ds izfr :fp fn[kkbz gs rfkk thou chekdrkzvksa us xzkgdksa dh vko';drkvksa dks igpkuk gs rfkk os ;wfyi mriknks a dh vksj vxzlj gks jgs gsaa thou chekdrkzvksa ds O;; chek vf/kfu;e] 1938 dh /kkjk 40 ch ;g myys[k djrh gs fd dksbz Hkh chekdrkz Hkkjr esa lapkfyr fd, tkus okys thou chek O;kikj esa izca/ku ds O;; fu/kkzfjr lhek ls vf/kd [kpz ugha djsxka izca/ku ds O;; esa lhkh izdkj ds deh'kuksa dk Hkqxrku rfkk lapkyu O;; 'kkfey gsa chek fu;e] 1939 vkxs fu/kkzfjr lhek ds fu/kkzj.k dk myys[k djrs gsaa thou chekdrkzvksa ds fy, izeq[k O;; 'kh"kz] e/;lfkksa dks fd;k x;k deh'ku dk Hkqxrku gsa izfr'kr ¼2006&07 esa izfr'kr½ ds m ksx vkslr ds eqdkcys],yvkbzlh us igys o"kz dh izhfe;e ds deh'ku ¼,dy izhfe;e dks NksMdj½ ij izfr'kr ¼2006&07 esa izfr'kr½ dk O;; vuqikr [kpz fd;ka futh chekdrkzvksa ds fy, ;g vuqikr izfr'kr ¼2006&07 esa izfr'kr½ vkdfyr fd;k x;ka,yvkbzlh }kjk,dy izhfe;e gsrq Hkqxrku fd;k x;k deh'ku] m ksx vkslr ds 1-43 izfr'kr ds eqdkcys 1-49 izfr'kr FkkA futh chekdrkzvksa ds fy, lkn`'; vuqikr dk vkslr 1-0 izfr'kr FkkA thou chekdrkzvksa }kjk 2006&07 ¼rkfydk 9½ esa djksm+ #i, ds a eqdkcys 2007&08 esa Hkqxrku fd, x, dqy deh'ku djksm+ #i, vkadh xbza ;g ns[kk x;k fd thou chekdrkzvksa }kjk u, O;kikj dh miyc/krk gsrq Hkqxrku fd;k x;k deh'ku bl {ks= esa izfrli/kkz c<+krs gq, finys o"kz dh rqyuk esa c<+ka futh chekdrkzvksa ds izca/ku O;; 2006&07 esa flfkj jgsa 2007&08 esa] N% deifu;k Hkkjrh,Dlk] vfook] vkbz,yth os';] fjyk;al rfkk u, izos'kdrkzvksa & ;wpj tujyh] rfkk vkbzmhchvkbz QksVhZl fu/kkzfjr lhek dks ikj dj x,a 18 daifu;ksa esa ls ftugksaus 2007&08 ds nksjku O;kikj chfer fd;k] 12 daifu;ksa us izca/ku ds O;;ksa dh lhek dk ikyu fd;ka rfkkfi] Hkkjrh,Dlk ftlus 2006&07 esa O;kikj izkjahk fd;k o"kz 2007&08 esa fu/kkzfjr lhek dks ikj dj xbza ;wpj tujyh] vkbzmhchvkbz QksVhZl rfkk Hkkjrh,Dlk ds ekeys esa] vkf/kd; thou chek m ksx ds ekun.mks dh lhek ds vanj FkkA,yvkbZlh ds ekeys esa] izca/ku dk O;;] vuqefr lhekvksa ds vanj jguk tkjh jgka rkfydk 9 thou chekdrkzvksa ds deh'ku O;; ¼#i, djksm+ esa½ chekdrkz 2006& &08 fu;fer,yvkbzlh futh {ks= dqy ,dy izhfe;e,yvkbzlh futh {ks= dqy izfke o"kz,yvkbzlh futh {ks= dqy uohuhdj.k,yvkbzlh futh {ks= dqy dqy,yvkbzlh futh {ks= dqy

260 okf kzd fjiksvz 2007&08 futh chekdrkzvksa ds izeq[k O;; 'kh"kksza esa dezpkfj;ksa ij fd, tkus okys O;; izfr'kr ¼2006&07 esa izfr'kr½] fokkiu rfkk izpkj ij 8-92 izfr'kr ¼2006&07 esa 8-89 izfr'kr½] izf'k{k.k O;; ¼vfHkdrkZvksa ds izf'k{k.k rfkk ifjlaokn dks feykdj½ ij 5-96 izfr'kr ¼2006&07 esa 6-92 izfr'kr½ gsaa dezpkfj;ksa ds ikfjjfed rfkk dy;k.k ifjykhkksa dh jkf'k,yvkbzlh ds lapkyu O;;ksa dk finys o"kz izfr'kr ds eqdkcys 2007&08 esa izfr'kr vkadh xbza rkfydk 10 deh'ku O;; vuqikr ¼izfr'kr esa½ chekdrkz 2006& &08 fu;fer,yvkbzlh futh {ks= dqy ,dy izhfe;e,yvkbzlh futh {ks= dqy izfke o"kz,yvkbzlh futh {ks= dqy uohuhdj.k,yvkbzlh futh {ks= dqy dqy,yvkbzlh futh {ks= dqy uksv% deh'ku O;; vuqikr deh'ku O;; rfkk thou chekdrkzvksa }kjk chfer izhfe;e ds chp dk vuqikr gsa pwafd futh chekdrkzvksa dh laxbukred lajpuk,yvkbzlh dh rqyuk esa detksj gs mudk vkslr 2006&07 esa izfr'kr ds eqdkcys izfr'kr vkadk x;ka,yvkbzlh ds fokkiu,oa izpkj O;; dqy lapkyu O;;ksa ds 2-44 ¼2006&07 esa 3-03 izfr'kr½ izfr'kr vkads x,a,yvkbzlh ds izf'k{k.k O;; dqy lapkyu O;;ksa ds 1-73 izfr'kr ¼2006&07 esa 1-93 izfr'kr½ vkads x,a rkfydk 11 thou chekdrkzvksa ds lapkpu O;; ¼#i, djksm+ esa½ chekdrkz ,yvkbZlh futh {ks= dqy futh chekdrkzvksa ds ldy chfer izhfe;e ds izfr'kr ds :i esa lapkyu O;; izfr'kr vkads x,] tks 2006&07 esa djhc&djhc leku gh FksA,yvkbZlh ds ekeys esa] lapkyu O;;ksa us 2007&08 esa 2006&07 ds leku gh ldy chfer izhfe;e dk 5-55 izfr'kr ;ksxnku fn;ka rkfydk 12 thou chekdrkzvksa ds lapkpu O;; ¼#i, djksm+ esa½ chekdrkz ,yvkbZlh futh {ks= dqy uksv% lapkyu O;; vuqikr lapkyu O;; rfkk thou chekdrkzvksa }kjk chfer izhfe;e ds chp dk vuqikr gsa thou chek daifu;ksa dk vkslr 2006&07 esa 8-70 izfr'kr ds eqdkcys 2007&08 esa izfr'kr vkadk x;ka rfkkfi] ;g ekudj fd daiuh dk folrkj gks jgk gs rfkk daiuh us mlds dk;kzy; usvodz dks c<+kus dh vuqefr ekaxh gss] ;g vk'kk dh tk ldrh gs fd pkyw o"kz 2008&09 es a [kpksza dh vf/kdrk jgsxh] ;g fo'ks"kdj bl m ksx esa u, izos'kdrkzvksa dks izhkkfor djsxka 20

261 okf kzd fjiksvz 2007&08 iznùk ykhk thou m ksx us ldy chfer izhfe;e dk izfr'kr ¼2006&07 esa izfr'kr½ cukrs gq, 2007&08 esa djksm+ #i, ¼2006&07 esa djksm+ #i,½ ds ldy ykhkksa dk Hkqxrku fd;ka futh chekdrkzvksa }kjk chfer izhfe;e dk izfr'kr ¼2006&07 esa 8-73 izfr'kr½ cukrs gq, Hkqxrku fd, x, ykhkksa esa djksm+ #i, ¼2006&07 esa djksm+ #i,½ ij izfr'kr dh c<+r ns[kh xbza thou m ksx us chfer izhfe;e dk izfr'kr cukrs gq, 2007&08 esa djksm+ #i, ds ykhkksa dk Hkqxrku fd;k ¼dqy chfer izhfe;e dk izfr'kr cukrs gq, 2006&07 esa djksm+ #i,½a futh chekdrkzvksa }kjk Hkqxrku fd, x, iquchzek ds 'kq) ykhk djksm+ #i, ¼2006&07 esa djksm+ #i,½ FksA leiz'k@vkgj.k dh en esa Hkqxrku fd, x, ykhkksa esa,d egroiw.kz jgh] tks 2006&07 esa djksm+ #i, ds eqdkcys djksm+ #i, vkadh xbza ;wfyi mriknksa ds fy, U;wure rhu o"kz dh ykwd&bu vof/k fu/kkzfjr djus ds lkfk] chfer izhfe;e ds izfr'kr ds :i esa leiz.k] Hkfo"; esa uhps vkus dh lahkkouk gsa fuos'k vk; pwafd thou chekdrkzvksa ds lapkyu flfkj jgrs gsa] muds fuos'k vk/kkj n`<+ gksrs gsa] ftlds ifj.kkelo:i fuos'k vk; mudh dqy vk; dk,d cm+k vuqikr cu jgh gsa,yvkbzlh ds ekeys esa] iwath ykhkksa dks feykdj fuos'k vk; 2007&08 esa djksm+ #i, Fkh tks fd 2006&07 esa djksm+ #i, dh rqyuk esa vf/kd FkhA dqy vk; ds izfr'kr ds :i esa] ;g de gksdj 2006&07 esa izfr'kr ls 2007&08 esa izfr'kr c<+ xbza futh chekdrkzvksa dh fuos'k vk;] iwath ykhkksa dks feykdj] 2006&07 esa djksm+ #i, ds eqdkcys 2007&08 esa djksm+ #i, FkhA futh chekdrkzvksa dh dqy vk; esa fuos'k vk; dh fgllsnkjh 2007&08 esa c<+dj izfr'kr ¼2006&07 esa 4-81 izfr'kr½ gks xbza daifu;ksa us vius fuos'kks aaaaa ij equkqs es aaaaa Hkh,d c<+r ntz dh gsa ;g m ksx vhkh Hkh flfkjrk dh izfdz;k esa gs rfkk vfrfjdr 'ks;j iwath ds ckotwn] bls lesdu Lrj rd igqapus esa le; yxsxka thou chekdrkzvksa ds ykhk thou chek m ksx iwath rhoz gs] rfkk chekdrkzvksa dks izhfe;e vk; es aaaaa o`f) ikus gsrq fu;fer varjky es aaaaa viuh iw ath yxkus dh vko';drk gksrh gsa izfke o"kz esa ns; deh'ku dh Åaph nj] lapkyu dks LFkkfir djus ds O;;],stsalh cy dks fodflr djus esa izf'k{k.k dh ykxr] vius mriknksa ds fy, vpns cktkj dk fuekz.k] LFkkf;Ro ds larqfyr Lrj dks izkir djuk] ikwfylh mùkjnkf;roksa dks iznku djuk] rfkk _.k nsus dh lhek cuk, j[kus ds dkj.k chekdrkzvksa ds fy, muds lapkyu ds izkjafhkd lkr ls nl o"kksza esa ykhk dekuk dfbu gksrk gsa 2007&08 esa] futh {ks= dh daifu;ksa esa ls pkj us 'kq) ykhk ntz fd;ka,lchvkbz thou chek daiuh,slh igyh daiuh Fkh] ftlus 2005&06 esa 2-02 djksm+ #i, dk 'kq) ykhk ntz fd;ka blus 2006&07 esa 3-83 djksm+ #i, dk mpp'kq) ykhk rfkk bls djksm+ #i, ds 'kq) ykhk Lrj rd vksj c<+k fy;ka bl daiuh us vius Hkkjrh; fgllsnkj Hkkjrh; LVsV csad ds cms usvodz ds dkj.k lapkyu dh en esa ykxr de gksus ds dkj.k Hkh 'kh?kz lqyrk ntz dha rfkkfi] chekdrkz ds jktlo [kkrs esa vhkh Hkh?kkVk ntz gksuk tkjh gsa rfkkfi] dqn [k.mksa tsls xsj&lghkkxh O;fDr] fjvk;jesav ls vyx lewg rfkk okf"kzdh us 2007&08 esa vkf/kd; vftzr fd;ka Jhjke ykbzq] ftlus Qjojh] 2006 esa dk;z djuk vkjahk fd;k] us Hkh blds lapkyu ds yxkrkj rhljs o"kz Hkh 'kq) ykhk ntz fd;ka rfkkfi] blus 2006&07 esa 9-50 djksm+ #i, ds eqdkcys 2007&08 esa 5-58 djksm+ #i, dk de 'kq) ntz fd;ka dqy djksm+ #i, dh chfer izhfe;e ds lkfk] daiuh dk lapkyu vhkh Hkh egroiw.kz :i ls vkxs c<+uk 'ks"k gsa 2007&08 esa] esvykbzq us 2006&07 esa djksm+ #i, ds eqdkcys dze'k% djksm+ #i, rfkk 3-34 djksm+ #i, dk 'kq) ykhk ntz fd;ka bl daiuh us jktlo [kkrs es aaaaa 488 djksm+ #i, dk?kkvk lgrs gq, ykhk ntz fd;ka lgkjk ykbzq us 2006&07 esa yk[k #i, dh 'kq) gkfu ds eqdkcys 2007&08 esa 3-34 djksm+ #i, dk igyk 'kq) ykhk ntz fd;ka bl daiuh us xsj&lghkkxh O;fDr VeZ rfkk isa'ku [k.m esa vkf/kd; ntz fd;k] ; fi ;g dsoy NksVs Lrj ij FkkA lhkh futh chek daifu;ksa us 2007&08 esa vius&vius jktlo [kkrksa esa?kkvk ntz fd;ka buesa ls dqn daifu;ksa us 2006&07 esa vius O;kikj ds dqn [k.mksa esa vkf/kd; ntz fd;ka jktlo [kkrksa esa?kkvs us va'k/kkfj;ksa }kjk ¼Jhjke ykbzq dks NksM+dj½ vksj iwath yxkus dh vko';drk izdv dha 2007&08 ds nksjku chekdrkzvksa us ikwfylh/kkjdksa ds [kkrs ¼jktLo [kkrs½ esa?kkvk ntz djus ds ckotwn Hkh cksul dh?kks"k.kk djuk tkjh j[kka ;g /;ku nsus ; X; gs fd 2003&04 21

262 okf kzd fjiksvz 2007&08 esa] cktkj esa viuh daiuh dh lk[k dks cuk, j[kus ds fy, cksul?kks"k.k djus gsrq u, chekdrkzvksa dh vko';drk dks igpkurs gq,] oklrfod vkf/kd; dh vuq&miyc/krk ds ckotwn Hkh izkf/kdj.k us cksul dh?kks"k.kk djus dh vuqefr bl 'krz ij nh fd os izkf/kdj.k }kjk ykxw dh xbz 'krksza dk vuqikyu djsaa ;g NwV vc lapkyu dh 'kq:vkr ls lkr o"kz dh vof/k rd c<+k nh xbz gsa va'k/kkfj;ksa dks okilh esvykbzq dks NksMdj] lhkh chekdrkzvksa us ikwfylh/kkjdksa ds [kkrs esa?kkvs dks de djus gsrq va'k/kkfj;ksa ds [kkrs ls ikwfylh/ kkjdksa ds [kkrs esa QaM LFkkukarfjr fd;k rkfd ikwfylh/kkjd ds [kkrs es a a a a a?kkvs ds ekeys es aaaaa cksul dh?kks"k.kk djus gsrq izkf/kdj.k dh 'krksza dk ikyu gks lds A rkfydk 13 iznùk ykhkka'k % thou chekdrkz ¼#i, djksm+ esa½ djksm+ #i, FkkA,yvkbZlh us Hkkjr ljdkj ds [kkrs esa,yvkbzlh vf/kfu;e] 1956 dh /kkjk 28 ds izko/kkuksa dk vuqikyu djrs gq, djksm+ #i, ¼2006&07 esa djksm+ #i,½ LFkkukarfjr fd,a vojks/ku vuqikr,yvkbzlh ijkeijkxr :i esa vius O;kikj ds y?kq Hkkx dk iquchzek djrk gsa 2007&08 ds nksjku] djksm+ #i, ¼2006&07 esa djksm+ #i,½ iquchzek izhfe;e ds :i esa fn, x,a blh rjg ls] futh chekdrkzvksa ds ekeys esa] lewg chek ds lkfk iquchzek viz.k dk izeq[k Hkkx cukrs gq, O;kikj dk,d y?kq Hkkx iqu%chfer fd;k x;ka futh chekdrkzvksa us Hkh iquchzek izhfe;e ds :i esa djksm+ #i, ¼2006&07 esa djksm+ #i,½ fn,a ;g /;ku nsus ; X; gs fd ;wfuv fyadm chek mriknksa ds fuos'k [k.m ls lacaf/kr tksf[ke ikwfylh/ kkjdksa }kjk ogu fd;k tkuk tkjh gs rfkk 2007&08 esa bl m ksx }kjk ubz chfer izhfe;e O;kikj dk egroiw.kz Hkkx] ;wfuv fyadm mriknksa ls FkkA iquchzek ds ekudksa esa Hkh dqn ifjorzu gks ldrk gs D;ksafd ;wfuv fyadm mriknksa ds fy, vkbzvkjmh, us tksf[ke doj dk U;wure Lrj r; fd;k gsa ¼fooj.k&4½ e`r;q nkoksa dk fo'ys"k.k chekdrkz 2006& &08 os;fdrd ikwfyfl;k,yvkbzlh thou chek {ks= us os;fdrd ikwfyfl;ksa ij djksm+ #i, futh {ks= & & ds dqy Hkqxrku ds lkfk 5-53 yk[k nkos fuivk,a vlohdkj dqy fd, x, nkoksa dh la[;k 9027 Fkh] tks djksm+ #i, ds,yvkbzlh us 2007&08 esa ikwfylh/kkjdksa ds [kkrs ¼jktLo [kkrs½ FksA yafcr nkoksa dh la[;k Fkh] tks djksm+ #i, esa vkf/kd; ntz djuk tkjh j[kka mijksdr [kkrs esa vkf/kd;] ds FksA yafcr nkoks aaaaa es aaaaa ls] 1684,d o"kz ls vf/kd le; ls yafcr varfje cksul gsrq lek;ksftr fd;k x;k rfkk 2006&07 esa 757- gs rfkk 2454 nkos 6 ekg ls vf/kd fdarq,d o"kz ls de le; 81 djksm+ #i, ds eqdkcys ikwfylh/kkjdksa dks cksul dk fu;ru ls yafcr gsaa mudh tkudkjh fooj.k 58 esa miyc/k gs A rkfydk 14 os;fdrd e`r;q nkos thou chekdrkz dqy nkos Hkqxrku fd, x, nkos fujlr nkos iqufyzf[kr nkos Ok kz ds vur esa foyafcr nkos ) foyafcr nkoksa dk vof/k&okj fooj.k ¼thou½ < 3 ekg 3 - < 6 ekg 6 - <1 Ok kz > 1 Ok kz futh {ks= dk ;ksx ,yvkÃlh* m ksx dk ;ksx * foùkh; o kz 2006&07 ds okf kzd izfrosnu esa] =qfviwozd,yvkãlh ds dqy os;fdrd e`r;q nkoksa ds vkadm+ksa ds vfrfjdr fons kh dk;kzy; ds O;olk; nkos Hkh lfeefyr FksA pkyw foùkh; o kz esa] os;fdrd e`r;q nkoks ls lacaf/kr vkadm+s ogha gsa tks,yvkãlh ds Hkkjrh; izpkyu esa mhkjs gsaa la[;k, ikwfyfl;ks ds izfr'kr esa 22

263 okf kzd fjiksvz 2007&08,yvkbZlh ds nkoksa ds fuivku dk vuqikr futh chekdrkzvksa ds lewg ikwfyfl;k nkoksa ds fuivku ds eqdkcys esa csgrj FkkA tgka,yvkbzlh us mudks lwfpr izfr'kr nkoksa dk fuivku fd;k] futh o"kz ds nksjku lwfpr fd, x, nkoksa esa ls dqy chekdrkzvksa us izfr'kr nkoksa dk fuivku fd;ka,yvkbzlh lewg nkos fuivk, x,a o"kz ds nksjku vlohdkj fd, x, lewg }kjk vlohdkj fd, x, nkoksa dk izfr'kr 1-13 izfr'kr Fkk tks nkoksa dh la[;k 1241 Fkh] tks lwfpr fd, x, nkoksa dk 0-76 futh chekdrkzvksa ds izfr'kr ds eqdkcys dkqh de FkkA izfr'kr Fkh A rkfydk 15 lkewfgd e`r;q nkos la[;k, ikwfyfl;ks ds izfr'kr esa thou chekdrkz dqy nkos Hkqxrku fd, fujlr nkosiqufyzf[kr nkos Ok"kZ ds vur x, nkos esa foyafcr nkos < 3 ekg foyafcr nkoksa dk vof/k&okj fooj.k ¼thou½ 3 - < 6 ekg 6 - <1 Ok"kZ > 1 Ok"kZ futh {ks= dk ;ksx ,yvkÃlh m ksx dk ;ksx futh chekdrkzvksa us dqy ns; nkoksa esa ls izfr'kr nkos fuivk, tcfd 2007&08 ds var esa 9-66 izfr'kr nkos yafcr jgsa AA½ xsj&thou chek 31ekpZ] 2008 rd dqy 18 lk/kkj.k chek daifu;k gsa ftugsa ns'k esa xsj&thou chek O;kikj djus ds fy, iathdj.k fn;k x;ka buesa ls 6 lkoztfud {ks= dh rfkk 'ks"k futh {ks= dh daifu;k gsa lkoztfud {ks= dh daifu;ksa esa ls] nks fof'k"v chek daifu;k gs],d lk[k chek ds fy, ¼bZlhthlh½ RkFkk nwljh d`f"k ¼,vkbZlh½A 12 futh {ks= dh daifu;ksa esa ls] rhu daifu;ksa dks 2007&08 ds nksjku yk;lsal iznku fd;k x;k ftlesa ls,d vdsyh LokLF; chek daiuh gsa nks fof'k"v chek daifu;ksa dh dk;z{kerk dh okf"kzd fjiksvz esa vyx&vyx leh{kk dh xbza vr% bl Hkkx esa fo'ys"k.k 4 lkoztfud {ks= dh rfkk 10 futh chek daifu;ksa rd lhfer gsa nks,dy LokLF; chek daifu;ksa ds O;olk; dks,d i`fkd mi&[k.m esa izlrqr fd;k x;k gsa iznùk iwath lk/kkj.k chekdrkzvksa dh 31 ekpz] 2007 rd dqy iznùk iwath 3485 djksm+ #i, FkhA 2007&08 ds nksjku] lk/kkj.k chekdrkzvksa us viuh iwath esa djksm+ #i, tksm+sa futh chekdrkzvksa dh iznùk iw ath esa o"kz ds nksjku iw ath va'knku }kjk o`f) djksm+ #i, Fkh ¼2006&07 esa djksm+ #i,½a rkfydk 16 iznùk iwath % xsj&thou chek,oa iquchzek ¼#i, djksm+ esa½ chekdrkz 31 ekpz] 2007&08 ds 31 ekpz] 2007 dks nksjku tksm 2008 dks xsj&thou lkoztfud {ks= futh {ks= fof'k"v lalfkku bzlhthlh ,yvkbZlh LVkj gsyfk viksyks Mhdsoh iquchzekdrkz thvkbzlh dqy bl ;ksx esa LokLF; chekdrkzvksa }kjk ykbz xbz bfdovh iwath rfkk nks u, chekdrkz ftugsa 2007&08 esa iath;u fn;k x;k ¼?kjsyq izorzd djksm+ #i, rfkk la;qdr Hkkxhnkjh djksm+ #i,½ Hkh 'kkfey gsa fof'k"v chekdrkz bzlhbzth us mudh iw ath esa o"kz ds nksjku 100 djksm+ #i, tksm+s gsaa ih,l;w chekdrkzvksa us pkyw o"kz esa iwath ugha tksm+h gsa 23

264 okf kzd fjiksvz 2007&08 thou chek ikwfyfl;ksa esa pwd CkkWDl en 2 pwd dks ikwfylh/kkjd }kjk ikfylh djkj dh 'krksza esa mlds }kjk dh xbz opuc)rk dk myya?ku djrs gq,] thou chek ikwfylh dh vof/k ds nksjku izhfe;e ds Hkqxrku esa :dkov ds :i esa Li"V fd;k tk ldrk gsa bldk ifj.kke izk;% ikwfylh ij tksf[ke doj dh lekfir gksrh gsa izfke dqn o"kksza esa fdlh,d ikwfylh ds pwdus ds ekeys esa] Hkqxrku dh xbz lhkh vfkok vf/kdrj izhfe;e chekdrkz }kjk tcr dj yh tkrh gs rfkk ikwfylh/kkjd mlds }kjk ikfylh dh en esa Hkqxrku dh xbz lhkh izhfe;e dks [kks nsrk gsa ;g n`';] thou chek {ks= esa djkj dh vyx&vyx le;kof/k esa,d cmh la[;k ikwfyfl;ksa ds pwdus ls,d cmh O;Fkk ds :i esa mhkjk gsa ;g rf; fd 2006&07 esa djhc 86 yk[k xsj&lec) ¼ukWu&fyaDM½ ikwfyfl;k pwdrk gks xbz ftlus bl fo"k; dh xahkhjrk dks izfrfcfecr dj fn;ka pwd dks izfke o"kz pwd ds :i esa oxhzd`r fd;k tk ldrk gs] bl vk/kkj ij fd pkgs ikfylh vius izfke o"kz esa gh pwdrk gks xbz vfkok tc izfke o"kz dh izhfe;e dk iw.kz Hkqxrku dj fn;k x;k gksa tc,d ikfylh/kkjd xyr lykg] lwpuk vfkok le> ds dkj.k ikfylh [kjhnrk gs rfkk ckn esa ;g eglwl djrk gs fd ml ikfylh dh fo'ks"krk, mldh vko';drkvksa esa eqrkfcd ugha gsa] rc og Ýh&ykWd izko/kkuksa ds rgr ikfylh okil dj ldrk gsa ;fn og ikfylh ckwum dh izkfir ds 15 fnukas ds Hkhrj Ýh&ykWd fodyi laikfnr djus esa vlefkz jgrk gs] rc mlds ikl ikfylh dh lekfir ds vfrfjdr vu; dksbz fodyi ugha cprk gsa bl ckr dh Hkh lahkkouk gs fd dbza ikfylh/kkjdksa dks vkbzvkjmh, fofu;eu] 2002 dh /kkjk 6¼2½ ¼ikfylh/kkjdksa ds fgrksa dk cpko½ ds rgr Ýh&ykWd izko/ kkuksa ds vkjahk dh tkudkjh ugha gksrh gs] ftlds ifj.kkelo:i os ikwfyfl;ksa dks pwdrk dj nsrs gsaa ikfylh ds izfke dqn o"kksza esa vf/kdrj pwd xyr foø; & ;k rks bjknru ;k dqn vksj] rfkk ncko ds rgr foø; ds dkj.k gksrh gsa & tsls csad }kjk _.k eatwj fd, tkus ij rfkk chek fodzsrk }kjk ikfylh/kkjd ds fy, fdlh vu; izd`fr dk lefkzu] vfkok fdlh fj'rsnkj ;k fe= dks vkhkkj ds rgra mijksdr ds vfrfjdr] ikwfyfl;ksa ds ysil gksus dh izd`fr uohuhdj.k izhfe;e Hkqxrkuksa gsrq QkWyks&vi ds lkfk&lkfk izhfe;e ds Hkqxrku esa lqfo/kk ls izhkkfor gksrh gsa vf/kd fodz; lkfk&gh&lkfk ikfylh/kkjd ds /ku esa deh ls mls ikfylh dks ogu djus ijs'kkuh gksrh gs rfkk blls ikwfyfl;ksa ds leiz.k rfkk pwd dh lahkkouk c<rh gsa,stsalh dh lekfir tks fd m ksx esa cgqr gh izcy gs] ds dkj.k yk[kksa ikwfyfl;k *vukfk* gks tkrh gsa vukfk ikwfyfl;kas dks miyc/kdrkz,stsav }kjk QkWyks&vi@lfoZflax lefkzu dh deh ds dkj.k utjvankt dj fn;k tkrk gs rfkk blls os,d cmh la[;k esa ysil gks tkrh gsa A blfy, chek vf/kfu;e] 1938 us /kkjk 40¼2,½ ds }kjk miyc/kdrkz,stsav ls vyx,d,stsav }kjk fpfdrlk ijh{k.k ds vk/kkj ij iqu%thfor dh xbz vukfk ikwfyfl;ksa ij Hkh deh'ku ds Hkqxrku dk izko/ kku cuk;k gs A eyvh&psuy forj.k ds ;qx esa] ;g ns[kk x;k gs fd dqn u, psuyksa us mudksa cspus dk lkef;z fn[kk;k gs tcfd os i;kzir lfozflax v/kkslajpuk }kjk leffkzr ugha gksrh gsaa blls pwd vuqikr ij izhkko imrk gsa blfy, chekdrkzvksa dks pwd ds Lrj ij ek/;ekuqlkj /;ku nsus dh vko';drk gksrh gs ftlls fd os mls jksd ldsaa 24

265 okf kzd fjiksvz 2007&08 nh?kkzof/k djkj ds lanhkz esa Hkh ysils'ku ds fy,,d vksj izeq[k dkj.k gsa ikfylh/kkjd ds /ku esa deh us] foùkh; vko';drkvksa vfkok ;kstukvksa vfkok okafnr fedl dkwy fuos'k esa leh{kk izko/kkuksa ess cnyko gsrq ikfylh 'krksza dh 'krksza esa ifjorzu fd;k] ftldh vuqiflfkfr ds dkj.k ikfylh/kkjd ikfylh leiz.k vfkok ysil dh vksj vxzlj gksrk gsa ysils'ku bl M ksx esa 'ks;j/kkfj;ksa dks cqjh rjg ls izhkkfor djrk gsa,d ikfylh/kkjd] tks lqj{kk rfkk nh?kkzof/k fuos'k esa ykhkksa dh vk'kk ls bl djkj esa izos'k djrk gs] u dsoy blls oafpr gks tkrk gs cfyd ysil gqbz ikfylh ij izhfe;e dh fd'rksa ds :i esa Hkqxrku dh xbz viuh esgur dh dekbz dks xaok nsrk gsa,d chekdrkz ds fy, ysils'ku jktlo ds lalk/kuksa esa lqjk[k dk lcls izeq[k dkj.k gsa chekdrkz ds jksdm+ varxzeu dh ifj;kstuk visf{kr izhfe;e jktlo ds ewrz:i us ysus ds dkj.k fcxm+ tkrh gs] ftlls QyLo:i O;;,oa ykhk vuqikr izhkkfor gksrk gsa blds dkj.k lacaf/kr chekdrkz rfkk lkfk gh iwjs m ksx dh dh izfr"bk@fo'oluh;rk cm+s Lrj ij izhkkfor gksrh gs A pwd ds ifj.kkelo:i,stsavksa us Hkh mudh uohuhdj.k deh'ku dh vk; esa,d deh eglwl dh gs rfkk vius xzkgdksa dh izfr"bk Hkh [kksbz gs] ftlls mudk Hkfo"; dk O;kikj {ks= cqjh rjg izhkkfor gksrk gsa vr% ysils'ku ds izfr xahkhjrk rfkk bls lhkh lacaf/krksa }kjk bldh vr;ko'kdrk ds ckjs esa fopkj djus dh vko';drk gsa bl m ksx dks vksj vf/kd yphys mriknksa] vf/kd lqfo/kktud,oa vkwvksesfvd izhfe;e Hkqxrku dh izfdz;k cukus dh vko';drk gsa fodz; ra= dks ikwfyfl;ksa ds foø; gsrq ck/;rk] de ykhk okyh rfkk Lo;a ds }kjk viukbz xbz rduhdksa dh vis{kk ikwfyfl;ksa dh xq.koùkk] mlds rjhds rfkk mldh ogu djus ;ksx; dher ij fuhkzj jgus dh vko';drk gsa flfkj rfkk izf'kf{kr,stsalh cy dk fodkl ftldh ifjyfc/k;k ] izksrlkgu jkf'k rfkk lk[k dks ikwfyfl;ksa dks ysils'ku ls cpkus gsrq vkil esa tksm+s tkus dh vko';drk gs tks muesa vuq'kkflr rfkk Rofjr foø; dh vknr Mkyus esa lgk;rk djsxha chekdrkz dks QkWyks&vi ra= Hkh fodflr djus dh vko';drk gs ftlls fd ;g lqfuf'pr fd;k tk lds izhfe;eksa ds Hkqxrkus ds ckjs esa vfxze :i ls lwfpr fd;k tk lds rfkk ysil ikwfyfl;ksa ds ckjs esa ikfylh/kkjdksa ds lkfk le; ls ckrphr dh tk ldsa 25

266 okf kzd fjiksvz 2007&08 tkjh ikwfyfl;k lk/kkj.k chekdrkzvksa }kjk 2006&07 esa yk[k ds eqdkcys 2007&08 es a izfr'kr dh o`f) ntz djrs gq, tkjh dh xbz dqy ikwfyfl;ksa dh la[;k yk[k FkhaA tkjh dh xbz dqy ikwfyfl;ksa esa ls] izfr'kr futh chekdrkzvksa }kjk rfkk izfr'kr lkoztfud chekdrkzvksa }kjk tkjh dh xbza tgka lkoztfud chekdrkzvksa }kjk tkjh ikwfyfl;ksa dh la[;k esa o`f) izfr'kr Fkh] ogha futh chekdrkzvksa dh lkn`'; o`f) izfr'kr FkhA lkoztfud chekdrkzvksa esa ls U;w bf.m;k us 5-05 izfr'kr RkFkk ;qukbzvsm bf.m;k us izfr'kr dh o`f) ntz dha us'kuy ba';ksjsal rfkk vksfj,avy ba';ksjsal }kjk chfer ikwfyfl;ksa dh la[;k esa deh jgha rkfydk 17 tkjh dh xbz ikwfyfl;k % xsj&thou chekdrkz chekdrkz lkoztfud {ks= (-19.48) (13.47) futh {ks= (41.85) (47.36) dqy uksv% dks"bd esa fn, x, vkadm+s finys o"kz ij o`f) fn[kkrs gq, ¼izfr'kr esa½a futh chekdrkzvksa }kjk chfer ikwfyfl;ksa dh la[;k 2006&07 esa izfr'kr ds eqdkcys izfr'kr ls c<+ha pksykeamye,e,l us lcls vf/kd izfr'kr dh o`f) nj ntz dh rfkk fjyk;al tujy us 2007&08 ds nksjku izfr'kr dh o`f) ntz dha izhfe;e lk/kkj.k chek daifu;ksa us 2006&07 esa djksm+ #i, ds eqdkcys 2007&08 esa izfr'kr dh o`f) nj fn[kkrs gq, djksm+ #i, dh dqy izhfe;e chfer dha lkoztfud {ks= dh pkjksa daifu;ksa us 2006&07 esa djksm+ #i, ds eqdkcys 2007&08 esa 3-52 dh o`f) ntz djrs gq, djksm+ #i, dh izhfe;e chfer dha lkoztfud chekdrkzvksa dh rqyukred de o`f) nj dks muds Åaps vk/kkj ds eku ls ns[ks tkus dh vko';drk gsa rkfydk 18 xsj&thou chekdrkzvksa }kjk chfer izhfe;e ¼Hkkjr esa½ ¼#i, djksm+ esa½ chekdrkz lkoztfud {ks= (8.41) (3.52) futh {ks= (61.24) (27.12) dqy (22.33) (11.72) uksv% dks"bd esa fn, x, vkadm+s izfr'kr esa o`f) fn[kkrs gsaa izfr'kr dh o`f) iznf'kzr djrs gq, 2006&07 es a # djksm+ + ds fo:) futh {ks= ds 10 chekdrkzvks a }kjk 2007&08 esa chekafdr izhfe;e # FkhA lk/kkj.k chek m ksx us o"kz 2007&08 ds nksjku izhfe;e esa # djksm++ tksm+s] ftlesa ls lkoztfud {ks= ds chekdrkzvksa us # djksm++ vksj futh {ks= ds chekdrkzvksa us djksm+ + tksm+ sa vksfj,avy dks NksM+ dj lkoztfud {ks= dh lhkh daifu;ksa us izhfe;e esa o`f) ntz dha U;w bf.m;k us # djksm++ dh vf/kdre izhfe;e tksm+h] ftlds ckn ;wukbzvsm bf.m;k vksj us'kuy ba';ksjsal us Øe'k% # djksm++ vksj # djksm++ tksm+sa vksfj,avy ba';ksjsal us bldh izhfe;e esa fxjkov fn[kkrs gq, # djksm++ dh izhfe;e tksm+ha lelr futh {ks= ds chekdrkzvks a us o"kz 2007&08 ds nksjku izhfe;e es a o`f) ntz dha fjyk;al us # djksm++ dh izhfe;e tksm+rs gq, iwoz o"kz ls # djksm++ dh o`f) ntz dha ctkt vyk;at us # djksm++ tksm+s ftlds ckn vkãlhvkãlhvkã yksackmz us vius iwoz izhfe;e Lrjksa esa # djksm++ tksm+sa finys o"kksza ls futh chekdrkz vius cktkj ds fglls esa o`f) dj jgs gsaa 2007&08 es a] futh chekdrkzvks a dk cktkj dk fgllk izfr'kr Fkk tks 2006&07 esa izfr'kr ls vf/kd FkkA ifj.kkelo:i] lkoztfud chekdrkzvksa ds cktkj fglls esa iwoz o"kz ds izfr'kr ls izfr'kr rd fxjkov vkbza lkoztfud {ks= dh chek daifu;ksa ds cktkj fglls esa fxjkov vkus ds ckotwn finys o"kksz esa lk/kkj.k chek cktkj ds folrkj iznf'kzr djrs gq, muds }kjk chekafdr izhfe;e dh jkf'k c<+ +h gs ¼rkfydk½A O;olk; ds ifjek.k es a gqbz bl o`f) dks 2007&08 dh i`"bhkwfe esa ns[ks tkus dh t:jr gs tks lk/kkj.k chek dh 26

267 okf kzd fjiksvz 2007&08 iw.kz Mh&VsfjQhax dk igyk iw.kz o"kz FkkA lkoztfud {ks= ds chekdrkzvksa ds chp] 2007&08 esa U;w bf.m;k dk cktkj es a lcls cm+k izfr'kr dk fgllk Fkk] tks blds finys o"kz ds cktkj fglls izfr'kr ls de FkkA vksfj,avy ba';ksjsal] us'kuy ba';ksjsal vksj ;qukbzvsm bf.m;k ba';ksjsal ds cktkj fglls iwoz o"kz ds izfr'kr] izfr'kr rfkk izfr'kr ds fo:) Øe'k% izfr'kr] izfr'kr rfkk izfr'kr jgsa rkfydk 19 Hkkjr esa ldy izr;{k izhfe;e vk; izhfe;e cktkj 'ks;j ¼#i, djksm+ esa½ ¼izfr'kr esa½ daiuh 2006& &082006& & &08 us'kuy U;w bf.m;k vksfj,avy ;wukbzvsm lkoztfud jkw;y lqanje fjyk;al bdks Vksfd;ks VkVk,vkbZth vkbzlhvkbzlhvkbz yksackmz ctkt vyk;at pksykeamye ,pMh,Qlh pcc ;wpj tujyh & 9-81 & 0-04 ;wfuolzy l Eiks & 0-48 & 0-00 futh dqy futh chekdrkzvksa ds chp] vkãlhvkãlhvkã yksackmz dk cktkj fgllk vf/kdre jgk ftlds ckn ctkt vyk;at dk 8-55 izfr'kr FkkA fjyk;al us vius cktkj fglls esa 2006&07 ds 3-66 ls 2007&08 esa 7-00 dh LFkk;h o`f) ntz dha ;wpj tujyh ftlus 2007&08 esa O;olk; izkjahk fd;k Fkk] 0-04 izfr'kr dk ux.; cktkj fgllk lwfpr fd;k gsa lk/kkj.k chek O;olk; ds fofhkuu {ks=ksa us lkoztfud rfkk futh] nksuks gh {ks= ds chekdrkzvksa ds fy, izhfe;e esa o`f) esa lg;ksx fn;k gsa 2007&08 esa vf/kdre va'knku eksvj {ks= ls vk;k ftlus dqy izhfe;e dk izfr'kr Hkkx la?kfvr fd;k tks 2006&07 ds izfr'kr ls vf/kd FkkA vfxu {ks= us 2007&08 esa dqy chekafdr izhfe;e dk izfr'kr Hkkx la?kfvr fd;k tks finys o"kz ¼16-69 izfr'kr½ ls de jgka rkfydk 20 xsj&thou chekdrkzvksa }kjk & {ks= okj chekafdr ¼ Hkkjr ds Hkhrj ½ izhfe;e ¼#i, djksm+ esa½ {ks= vfxu {ks= vfxu (16.59) (12.43) efju (6.54) (6.47) eksvj (42.95) (45.59) LokLF; (13.29) (17.59) vu; (20.63) (17.92) ;ksx ;ksx uksv % dks"bd esa nh xbz la[;k, dqy ;ksx esa {ks= dk fgllk ¼izfr'kr esa½ n'kkzrh gsa LokLF; esa,d= izhfe;e blds 2006&07 ds Lrj ls c<++h gsa 2006&07 esa izfr'kr ds fo:) 2007&08 esa LokLF; izhfe;e dk dqy izhfe;e dk izfr'kr va'knku jgka 2006&07 esa izfr'kr ds fo:) eksvj vksj LokLF; fuos'k lwfp;k a feydj dqy izhfe;e dk izfr'kr jgha 2007&08 27

268 okf kzd fjiksvz 2007&08 esa efju {ks= dk 6-47 izfr'kr dk lcls de va'knku jgka Hkkjr ds ckgj chekafdr izhfe;e lkoztfud {ks= ds lk/kkj.k chekdrkz] Hkkjr ds ckgj Hkh izhfe;e chekafdr dj jgs gsaa gkaykfd ns'k ds ckgj muds }kjk chekafdr izhfe;e 2006&07 esa djksm+ + ls 2007&08 esa # djksm++ gksdj de jgh vksj 4-22 dh _.kkred izxfr ntz dh gsa lkoztfud {ks= ds chekdrkzvksa }kjk chekafdr dqy izhfe;e ds :i esa x.kuk djus ij] Hkkjr ls ckgj chekafdr izhfe;e O;olk; dk 5-51 izfr'kr jgha ¼2006&07 esa 5-93½ U;w bf.m;k viuh 'kk[kkvksa],tsafl;ksa] lg;ksxh daifu;ksa vksj vuq"kafx;ksa ds ek/;e ls 27 ns'kksa esa O;olk; lapkyu dj jgh gsa daiuh }kjk Hkkjr ls ckgj chekafdr izhfe;e] 2007&08 esa daiuh }kjk chekafdr dqy izhfe;e dk izfr'kr ¼2006&07 esa izfr'kr½ jgha vksfj,avy dk fons'kh O;olk; esa NksVk lk fgllk 2-36 izfr'kr ¼2006&07 esa 2-29 izfr'kr½ jgka us'kuy ba';ksjsal ds ekeys esa] Hkkjr ds ckgj dk O;olk; 0-37 izfr'kr ¼iwoZ o"kz esa 0-33 izfr'kr½ jgka rkfydk 21 dqy izhfe;e ls Hkkjr ls ckgj dh izhfe;e dk vuqikr ¼izfr'kr½ chekdrkz us'kuy U;w bf.m;k vksfj,avy ;wukbvsm &08 esa Hkkjr ls ckgj chekafdr # djksm+ + dh dqy izhfe;e esa us'kuy us # djksm++ ¼2006&07 esa # djksm++½ vksj U;w bf.m;k us # djksm++ ¼2006&07 esa # djksm++½ dh izhfe;e chekafdr dha rkfydk 22 Hkkjr ls ckgj O;olk; ls izkir 'kq) izr;{k izhfe;e % xsj&thou chekdrkz ¼#i, djksm+ esa½ chekdrkz us'kuy chekdrkz us'kuy (0.24) (16.05) U;w bf.m;k vksfj,avy (4.02) (-4.90) vksfj,avy (11.61) (-0.20) ;wukbvsm - - ;ksx uksv % dks"bd esa nh xbz la[;k, iwoz o"kz ls gksus okyh o`f) n'kkzrh gsa vksfj,avy ba';ksjsal us 2006&07 dh # djksm++ ds fo:) 2007&08 esa # djksm++ dh izhfe;e chekafdr dha ;wukbvsm bf.m;k us 2003&04 esa Hkkjr ls ckgj O;olk; cun dj fn;sa ¼rkfydk 22½ chekys[ku vuqhko lkoztfud vksj futh {ks= ds chekdrkzvksa }kjk ogu dh xbz chekafdr gkfu iwoz o"kz dh # djksm++ ls c<++dj # djksm++ gks xbza 2006&07 ds # djksm++ ds fo:) o"kz 2007&08 ds nksjku lkoztfud {ks= ds chekdrkzvksa us # djksm dh chekafdr gkfu ogu dha dqy izhfe;e ds izfr'kr ds :i esa] chekadu gkfu;k 2006&07 esa izfr'kr ls c<++dj 2007&08 esa izfr'kr gks xbza futh chek daifu;ksa esa ;g vuqikr 2-19 vksj izfr'kr ds chp jgka 2006&07 esa ;g vuqikr 1-43 ls izfr'kr ds chp FkkA lkoztfud {ks= ds chekdrkzvksa ds fy,] dqy izhfe;e ls chekadu gkfu;ksa dk vuqikr vksj 3-58 izfr'kr ds chp ¼2006&07 esa vksj izfr'kr½ jgka lhkh pkj lkoztfud {ks= ds chekdrkzvksa esa chekadu gkfu;ksa esa myys[kuh; o`f) ns[kh x;h] tks fpurk dk fo"k; gsa us'kuy ba';ksjsal dh chekafdr gkfu;k ¼2006&07 esa 19-73½ jgh] blds ckn ¼14-38½ ij U;w bf.m;k] ;wukbvsm bf.m;k ba';ksjsal ¼30-80½ vksj vksfj,avy ba';ksjsal dh ¼19-40½ jgha ;g 28

269 s okf kzd fjiksvz 2007&08 myys[k fd;k tk ldrk gs fd us'kuy ba';ksjsal dh chekafdr gkfu;k tks 2006&07 esa djksm++ Fkh] djhc djhc nqxquh gksdj 2007&08 esa djksm++ gks xbza ¼rkfydk 28½A U;w bf.m;k us vfxu {ks= esa chekafdr ykhk lwfpr fd;k] vksfj,avy vksj us'kuy us 2006&07 esa vfxu {ks= esa ykhk ds fo:) lhkh rhuksa {ks=] vfxu] efju rfkk fof/k {ks=ksa esa chekafdr gkfu;k lwfpr dh] ;wukbzvsm bf.m;k us Hkh o"kz 2006&07 esa rhuks {ks=ksa esa chekafdr gkfu;k ntz dha futh {ks= ds chekdrkzvksa esa aaaa ls uohu izos'kdrkz ;wpj tujyh vksj ;wfuolzy lkseiks dks NksM+ dj] 2007&08 es aaaaa lhkh us vfxu {ks= es aaaaa ykhk lwfpr fd;ka efju vksj fofo/k {ks=ks esa lhkh futh chekdrkzvksa us 2007&08 esa gkfu lwfpr dha iwoz o"kz esa dsoy jkw;y lqunje us efju {ks= esa # djksm++ dk ykhk lwfpr fd;ka Rkkfydk 23 chekadu gkfu;k % xsj&thou chekdrkz ¼#i, djksm+ esa½ chekdrkz lkoztfud {ks= futh {ks= ;ksx futh {ks= ds chekdrkzvksa us Hkh chekadu gkfu;ksa esa 2006&07 esa # ls 2007&08 esa # djksm++ dh o`f) ntz dh gsa bu gkfu;ks a us 2006&07 ea a 2-28 izfr'kr ds fo:) 2007&08 esa dqy chekafdr izhfe;e dk 8-37 izfr'kr Hkkx la?kfvr fd;k gsa olrqr% lhkh daifu;ksa us o"kz 2007&08 ds nksjku chekafdr gkfu;ksa esa o`f) ntz dh gsa xsj&thou chekdrkzvksa ds O;; pksng xsj&thou chekdrkzvksa esa ¼fof'k"V daifu;ksa bzlhthlh],vkbzlh vksj gsyfk ba';ksjsal daifu;ksa dks NksM+dj½] o"kz 2006&07 esa ikap ds fo:)] o"kz 2007&08 ds fy, ikap chekdrkzvksa ds O;; fu;e 17bZ ds lkfk /kkjk 40 lh esa fu/kkzfjr lhekvksa ds vurxzr FksA rhu futh {ks= ds chekdrkzvksa ¼vkbZlhvkbZlhvkbZ yksackmz] bdks&vksfd;ks vksj ctkt vyk;at½ us 2006&07 esa izca/ ku O;; dh lhekvksa dk lrr~ vuqikyu fd;ka ;wfuolzy lkseiks ftlus 2007&08 esa O;olk; izkjahk fd;k] us vf/kfu;e ds vurxzr fu/kkzfjr lhekvksa vksj fu;eksa dk vuqikyu fd;ka futh {ks= ds fo eku chekdrkzvksa] jkw;y lqunje] VkVk,vkbZth] pksyke.mye],pmh,qlh vksj fjyk;al tujy 2007&08 esa fu/kkzfjr vuqikyu ugha dj ldsa ;wpj tujyh] ftlus 2007&08 esa O;olk; izkjahk fd;k Fkk] vius izfke o"kz ds lapkyu ds nksjku vuqikyu ugha dj ldha lkoztfud {ks= ds chekdrkzvksa esa] 2007&08 ds nksjku tgka U;w bf.m;k us fu;e 17bZ ds vuqlkj izca/ku O;; dk vuqikyu fd;k] ogha us'kuy ba';ksjsal] vksfj,avy ba';ksjsal vksj ;wukbvsm bf.m;k }kjk vuqikyu ugha fd;k x;ka rkfydk 24 ifjpkyu O;; % xsj&thou chekdrkz ¼#i, djksm+ esa½ chekdrkz lkoztfud {ks= futh {ks= ;ksx uksv % lkoztfud {ks"k esa bzlhthlh],vkbzlh vksj thvkbzlh 'kkfey ugha gsa xsj&thou chekdrkzvksa dk ifjpkyu O;; c<++ dj 2007&08 esa # djksm+ + gks x;k ¼206&07 esa # djksm+ +½ vksj izfr'kr dh o`f) ntz dha lkoztfud {ks= ds chekdrkzvksa us # djksm+ + vksj futh {ks= ds chekdrkzvks a us # djksm++ ds ifjpkyu O;; ogu fd,a 'kq) chekafdr izhfe;e ds izfr'kr ds :i esa lkoztfud {ks= ds xsj&thou chekdrkzvksa ds fy, ifjpkyu O;; izfr'kr Fks tcfd futh {ks= ds chekdrkzvksa ds izfr'kra o"kz 2006&07 ds fy, vuqorhz vuqikr Øe'k% rfkk izfr'kr FksA dezpkjh osru vksj dy;k.k ykhk ds vurxzr gksus okys O;; us lkoztfud chekdrkzvksa ds dqy ifjpkyu O;; ds,d myys[kuh; Hkkx dk la?kvu fd;ka tcfd] us'kuy ba';ksjsal ds fy, ;g vuqikr] lkoztfud {ks= ds xsj&thou chekdrkzvksa esa vf/kdre Fkk] ;wukbvsm bf.m;k] vksfj,avy ba';ksjsal vksj U;w bf.m;k ds fy, ;g Øe'k% 78-06] vksj izfr'kr FkkA blds fo:)] futh {ks= ds chekdrkzvksa ds ekeys esa dezpkjh ykxr ds fy, gksus okys O;; ifjpkyu O;; ds vksj izfr'kr ds chp jgsa futh {ks= ds chekdrkzvksa 29

270 okf kzd fjiksvz 2007&08 ds fy, izeq[k O;; fof/kd vksj fo'ks"kk 'kqyd ¼9-30 izfr'kr½] dk;kzy; O;; ¼7-48 izfr'kr½ vksj fokkiu rfkk izpkj ¼3-94 izfr'kr½ jgsa rkfydk 25 deh'ku O;; ¼#i, djksm+ esa½ futh {ks= lkoztfud {ks= fohkkx vfxu efju eksvj LokLF; vu; ;ksx lkoztfud rfkk futh {ks= ds chekdrkzvksa ds fy, izca/ku O;; ds izfr'kr ds :i esa deh'ku Øe'k% rfkk izfr'kr ¼2006&07 esa Øe'k% rfkk izfr'kr½ jgka lkoztfud rfkk futh {ks= ds chekdrkzvksa ds fy, chekafdr 'kq) izhfe;e ds izfr'kr ds :i esa deh'ku O;; Øe'k% 6-39 rfkk 7-59 izfr'kr ¼2006&07 esa Øe'k% 7-17 rfkk izfr'kr½ jgka vk; dk fuos'k 2007&08 ds nksjku xsj&thou chekdrkzvks a us c<+ +rh gqbz fuos'klwph ds vk/kkj ij mpp fuos'k vk; lwfpr dha fuosf'kr vk; ij ykhk fuos'kksa ds foø;] izfrhkwfr;ksa dh foewfdr rfkk /kkfjr izfrhkwfr;ksa ij C;kt@ykHkka'k ls izkir gqvka vksfj,avy ba';ksjsal rfkk,pmh,qlh,xksz ds vfrfjdr] ftugksus 2007&08 esa _.kkred izxfr lwfpr dh] 'ks"k lhkh chekdrkzvksa us 'kq) fuos'k vk; esa o`f) lwfpr dha rkfydk 26 fuosf'kr vk; ¼#i, djksm+ esa½ chekdrkz lkoztfud {ks= ( 3.09 ) ( 8.01 ) futh {ks= ( ) ( ) ;ksx uksv % dks"bd esa n'kkz;s xbz la[;k, lacaf/kr {ks= esa o`f) dh nj ¼izfr'kr esa½ n'kkzrh gsa lk/kkj.k chekdrkzvksa dh 'kq) fuosf'kr vk;] 2006&07 esa # djksm+ ds fo:) 2007&08 esa # djksm+ gksdj iwoz o"kz dh rqyuk esa izfr'kr dh o`f) ntz dha lkoztfud {ks= ds chekdrkzvksa dh fuos'k vk; 2006&07 dh # djksm+ + ls c<+ +dj # djksm+ + ¼ iwoz o"kz ls 8-01 izfr'kr vf/kd ½ gks xbza vksfj,avy ba';ksjs al dks NksM+dj] ftlus fuos'k vk; es a 1-46 izfr'kr dh fxjkov lwfpr dh gs] lkoztfud {ks= ds lelr chekdrkzvksa us fuos'k vk; esa o`f) lwfpr dh gsa lhkh futh chekdrkzvksa us fuos'k vk; esa o`f) lwfpr dh gs vksj mudh dqy fuos'k vk; 2006&07 es a # djksm+ + ls c<+ +dj 2007&08 esa # djksm++ gks xbz vksj izfr'kr dh o`f) ntz gqbz A ¼ 2006&07 es a izfr'kr½ ¼rkfydk 34 rfkk 35½A O;f;r nkoksa ds vuqikr xsj&thou chekdrkzvksa ds dqy O;f;r nkos 2007&08 esa # djksm++ ¼2006&07 esa # djksm++½ jgs vksj iwoz o"kz ds fo:) izfr'kr dh o`f) ntz dha lkoztfud {ks= ds chekdrkzvksa ds dqy O;f;r nkos 2006&07 esa # djksm++ dh rqyuk esa c<++ dj # djksm++ jgsa ¼15-05 izfr'kr dh o`f)½ rkfydk 27 xsj&thou chekdrkzvksa ds dqy O;f;r nkos ¼#i, djksm+ esa½ chekdrkz lkoztfud {ks= (-0.29) (15.05) futh {ks= (61.66) (69.63) ;ksx (7.62) (25.52) uksv % dks"bd esa nh xbz la[;k, iwoz o"kz ds fo:) o`f) nj ¼izfr'kr esa½ n'kkzrh gsa 100% 80% 60% 40% 20% 0% lkoztfud {ks= O;f;r nkok vuqikr ¼izfr kr esa ½ chekdrkz futh {ks= vu; LokLF; e Vj efju vfxu 30

271 okf kzd fjiksvz 2007&08 dqy izhfe;e ds vuqikr ds :i esa] lkoztfud {ks= ds chekdrkzvksa ds dqy O;f;r nkos iwoz o"kz ds izfr'kr ls vf/kd izfr'kr FksA lkoztfud {ks= dh lhkh pkj daifu;ksa esa ;g vuqikr izfr'kr vksj izfr'kr ds chp jgka bl vuqikr esa o`f) lkoztfud {ks= ds pkjksa chekdrkzvksa esa ns[kus dks feyh] ftlesa us'kuy ba';ksjsal ¼7-54 izfr'kr vad½ vksj U;w bf.m;k ¼6-48 izfr'kr vad½ ds ekeys esa vuqikr eas vf/kd o`f) gqbza U;w bf.m;k ds O;f;r nkok vuqikr esa 2006&07 ds ls rd o`f) gqbz] ;qukbzvsm bf.m;k esa ls 92-75] us'kuy esa ls vksj vksfj,avy ba';ksjsal esa ls izfr'kr o`f) gqbza¼rkfydk 30 rfkk 31½ rkfydk 28 O;f;r nkok vuqikr {ks= vfxu efju eksvj LokLF; vu; ;ksx futh chekdrkzvksa ds ekeys esa] fuoy O;; ds nkos 2006&07 esa djksm+ + ls c<+ + dj # djksm+ + gks x,a futh {ks= ds chekdrkzvksa ds fy, fuoy O;; dk nkok vuqikr ¼2006&07 esa 68-02½ FkkA lhkh futh chekdrkzvksa us finys o"kz ds vkadm+ksa ds fo:) mpp Lrj ds O;; okys nkok vuqikr lwfpr fd,a tslk fd igys n'kkz;k x;k gs] nks chekdrkzvksa us viuk lapkyu 2007&08 esa gh izkjahk fd;ka Á'kqYd eqfdr ds ckn] vfxu {ks= us 2007&08 esa m ksx esa izfr'kr ¼2006&07 esa izfr'kr½ dk Å pk O;; nkok vuqikr n'kkz;k gsa blh izdkj] eksvj {ks= us izfr'kr ¼84-69½ dk Å pk vuqikr lwfpr fd;ka,d vksj efju {ks= T;knk ;k de izfr'kr ¼86-52½ ij jgk] ogha LokLF; {ks= us O;; fd, x, nkoksa ds vuqikr esa egroiw.kz fxjkov ntz djkrs gq, 2006&07 esa ntz dh rqyuk esa bls 107 izfr'kr crk;ka lkoztfud {ks= ds chekdrkzvksa ds ekeys esa] O;; fd, x;s nkoksa dk vuqikr LokLF; {ks= esa vf/kdre izfr'kr ¼2006&07 esa ½ jgk] blds ckn eksvj vksj efju {ks= esa Øe'k% vksj izfr'kr ¼2006&07 esa vksj 80-50½ jgka 2007&08 esa] ;wukbvsm bf.m;k dk LokLF; {ks= esa izfr'kr dk lokszpp 'kq) O;; nkok vuqikr jgk tcfd ;wukbvsm bf.m;k ds ekeys esa] lokszpp nkok vuqikr efju {ks= esa izfr'kr Fkk] vfxu {ks= esa vksfj,avy dk izfr'kr dk lokszpp O;; nkok vuqikr Fkk ftlds ckn us'kuy ba';ksjsal dk izfr'kra futh {ks= ds ekeys esa] O;; nkok vuqikr efju O;olk; esa vf/kdre ¼112-57½ Fkk] ftlds ckn LokkLFk ¼izfr'kr esa½ lkoztfud {ks= futh {ks= ;ksx {ks= vfxu efju eksvj LokLF; vu; ;ksx {ks= esa izfr'kr ¼103-42½ vksj eksvj {ks= izfr'kr ¼64--28½ jgka 2007&08 esa] futh chekdrkzvksa ds chp] fjyk;al vksj bdks&vksfd;ks dk 'kq) O;; nkok vuqikr Øe'k% izfr'kr ¼74-62½ vksj izfr'kr ¼47-29½ vfxu {ks= esa jgka efju {ks= esa vf/kdre nkok vuqikr vkãlhvkãlhvkã yksackmz dk izfr'kr ¼94-46½ jgk] ftlds ckn fj;kyal izfr'kr ¼93-63½ jgka LokLF; {ks= esa],pmh,qlh pcc dk vf/ kdre O;; nkok vuqikr izfr'kr ¼87-10½ jgk vksj blds ckn bdks Vksfd;ks dk izfr'kr ¼152-89½ jgka 'kq) ykhk chekadu gkfu;ksa ds ckotwn] lkoztfud {ks= ds chekdrkzvksa us mpp fuos'k vk; ds dkj.k ykhk lwfpr fd;k gsa lkoztfud vksj futh] nksuks gh {ks= ds chekdrkzvksa }kjk 2006&07 ds vftzr dqy 'kq) ykhk # djksm+ + esa 2007&08 ds nksjku djksm++ rd] izfr'kr dh fxjkov ntz dha mpp nj ij chekadu gkfu;ksa ds pyrs] xsj&thou chekdrkz ykhk vksj gkfu [kkrs ¼va'k/kkjdksa ds [kkrs esa½ esa ykhk n'kkzus ds fy, fuos'k vk; ij fuhkzj jgsa lkoztfud vksj futh] izr;sd {ks= esa,d chekdrkz] cuke vksfj,avy ba';ksjsal vksj,pmh,qlh dks NksM+dj] lelr chekdrkzvksa us finys o"kz esa fuos'k vk; esa o`f) lwfpr dh gsa lkoztfud vksj futh {ks= ds chekdrkzvksa dh 2007&08 esa lafpr fuos'k vk; Øe'k% # djksm++ vksj # djksm++ ¼2006&07 esa # djksm++ rfkk # djksm++½ jgha 31

272 a okf kzd fjiksvz 2007& &08 es a] U;w bf.m;k us # djksm+ + ds djks a ds i'pkr~ # dk 'kq) ykhk lwfpr fd;k] ;wukbvsm bf.m;k us djksm++] us'kuy us djksm++ vksj vksfj,avy us 9-30 djksm++a vksfj,avy ds ekeys esa] de ykhk c<++s gq, O;; nkok vuqikr ds dkj.k jgka nwljs] daiuh us,,l&15 dks ykxw fd, tkus ds dkj.k izcu/ku ij Hkkjh O;; n'kkz;k gs ftlus ykhkiznrk dks izhkkfor fd;k gs A 2007&08 ds nksjku N% futh chekdrkzvks us ykhk lwfpr fd;ka nks chekdrkz] ftugksaus 2006&07 esa ykhk lwfpr ugha fd;k gs] 2007&08 esa gkfu lwfpr dh gsa fjyk;al us 2000&01 es a dk;z izkjahk djus ds ckn ls igyh ckj 'kq) gkfu lwfpr dh gs vksj,pmh,qlh] ftlus 2006&07 vksj 2005&06 esa ykhk lwfpr fd;k Fkk] 2007&08 esa #- 17 djksm++ dh gkfu lwfpr dh gsa nks xsj&thou chekdrkzvksa us] ftugksusa 2007&08 esa dk;z izkjahk fd;k] # djksm++ vksj # djksm++ dh gkfu lwfpr dh gsa 2006&07 esa vkb chekdrkzvksa }kjk vftzr # djksm++ ds lwfpr ykhk ds fo:) bu N% futh chek daifu;ksa dk 'kq) ykhk # djksm++ jgka vu; pkj futh chekdrkzvksa dh 'kq) gkfu # djksm++ FkhA + va'k/kkjdksa dks izfrqy lkoztfud {ks= dh pkj chek daifu;ksa us 2006&07 esa # djksm+ ds fo:) 2007&08 esa jktdks"k esa ykhkka'k ds :i esa # djksm++ dk va'knku fd;ka?kvk ykhkka'k Hkqxrku ize[k rksj ij vksfj,avy vksj us'kuy }kjk lwfpr?kvs gq, 'kq) ykhk ds dkj.k Fkk ftaldk urhtk 2007&08 esa vksfj,avy ds # izfr va'k vksj us'kuy ds # izfr va'k ds?kvs gq, ykhkka'k dh?kks"k.kk ds :i esa izkir gqvka tcfd U;w bf.m;k us Hkqxrku fd, tkus okys ykhkka'k esa vkaf'kd deh dh ogha ;wukbvsm bf.m;k us # izfr va'k dh flqkfj'k dha ¼rkfydk½ Rkkfydk 29 Hkqxrku fd;k x;k ykhkka'k% ¼#i, djksm+ esa½ chekdrkz xsj&thou lkoztfud {ks= futh {ks= fof'k"v lalfkku Ãlhthlh ,vkÃlh iquchzekdrkz thvkãlh ;ksx futh {ks= ds chekdrkzvksa ds chp] 2007&08 esa vkãlhvkãlhvkã yksackmz ykhkka'k?kksf"kr djus okyk izeq[k chekdrkz jgka daiuh us izfr va'k # ds ykhkka'k dh flqkfj'k dha gkaykfd bdks&vksfd;ks us 2005&06 rfkk 2006&07 esa ykhkka'k dh?kks"k.kk dh Fkh ijurq 2007&08 esa blus ykhkka'k dh?kks"k.kk ughaa dh A LVkj gsyfk rfkk,ykbm ba';ksjsal daiuh fyfevsm LVkj gsyfk] fof'k"v :i ls LokLF;] O;fDrxr nq?kzvuk rfkk ;k=k chek {ks= esa lk/kkj.k chek O;olk; ds chekadu ds fy, iath;u izek.ki= izkir djus okyh igyh daiuh FkhA 31 ekpz] 2008 dks lekir o"kz esa] daiuh ftlus 2006&07 esa O;olk; izkjahk fd;k Fkk] finys o"kz dh # djksm++ dh izhfe;e ls dksbz lkr xquk dqy # dh 'kq) izr;{k izhfe;e cheakfdr fd;ka chekdrkz us # djksm++ ¼2006&07 esa # djksm+ +½ dh chekafdr gkfu lwfpr dha fuos'k vk; ls iwfrz djrs gq,] chekdrkz us 2006&07 dh # djksm++ dh 'kq) gkfu ds fo:) # djksm++ dk 'kq) ykhk lwfpr fd;k A viksyks Mhdsoh gsyfk ba';ksjsal daiuh fyfevsm viksyks Mhdsoh] fof'k"v :i ls LokLF;] O;fDrxr nq?kzvuk rfkk ;k=k chek {ks= esa lk/kkj.k chek O;olk; ds chekadu ds fy, iath;u izek.ki= izkir djus okyh nwljh daaiuh gsa chekdrkz dks 20007&08 esa iath;u tkjh fd;k x;k vksj daiuh ikap eghus ls lapkyu esa gsa 31 ekpz] 2008 dks lekir o"kz esa] chekdrkz us # djksm++ dh dqy izr;{k izhfe;e chekafdr dh gsa chekdrkz us o"kz ds fy, # djksm++ dh gkfu chekafdr dh vksj # djksm++ dk 'kq) ykhk ogu fd;ka lk/kkj.k chek fuxe thvkãlh]?kjsyq iquchzek cktkj dk,dek= chekdrkz gs tks Hkkjr esa izr;{k lk/kkj.k chek daifu;ksa dks iquchzek iznku dj jgk gsa fuxe dk iquchzek dk;zøe ns'k esa izfr/kkfjrk ds mn~ns';ksa dh iwfrz djus ds fy,] tksf[ke dss fy, i;kzir lqj{kk lqfuf'pr djus rfkk?kjsyq cktkj ds Hkhrj i;kzir {kerk fodflr djus ds fy, rs;kj fd;k x;k gsa izeq[k?kjsyq daifu;ksa ds lfu/k dk;zøeks a rfkk osdfyid dk;zøeks a rfkk r;'kqnk lhekvksa ds v/khu thvkãlh dks?kjsyq chekdrkzvksa ds }kjk tkjh izr;sd ikwfylh ij 15 izfr'kr os/kkfud v/;iz.k izkir gksrk gsa blds iwoz 2006&07 esa os/kkfud v/;iz.k 20 izfr'kr FkkA thvkãlh] r`rh; i{k eksvj iwy ds izca/kd Hkh gsa 2006&07 es a djksm+ + dh rqyuk es a] 2007&08 es a thvkãlh dh chekafdr dqy izhfe;e # djksm++ jgha 2006&07 esa djksm++ dh rqyuk esa izfr'kr dh o`f) ntz 32

273 a okf kzd fjiksvz 2007&08 djrs gq, 2007&08 ds nksjku dqy vftzr izhfe;e # djksm++ FkhA ;gka ij ;g myys[k djuk izklafxd gksxk fd 2006&07 ds pkj frekgh ds fo:) 2007&08 ds ikap frekgh esa daiuh dh vkffkzd flfkfr] tks chekdrkz dh ys[kk ikwfylh esa ifjorzu ds dkj.k vko';d FkhA 2007&08 esa?kjsyq O;olk; ds chekadu ifj.kkeksa us #- 927 djksm++ ¼ 2006&07 esa # djksm++½ dh gkfu n'kkz;ha 2006&07 ds fy, # djksm++ ds fo:) 2007&08 esa fuos'kksa ls izkir vk; # djksm++ FkhA iwoz o"kz ds ds fo:) leh{kk/khu o"kz es dj iwoz ykhk # djksm++ jgk vksj 2006&07 esa # djksm++ ds fo:) dj i'pkr~ ykhk # djksm++ jgka iquchzekdrkz ds ykhk&gkfu [kkrs dks izhkkfor djrs gq, lhkh {ks=ksa ds lexz dqy O;; nkos tks 2006&07 esa djksm++ Fks] c<++ dj djksm++ gks x,a 2007&08 esa dqy ykhk esa izfr'kr dh fxjkov dks ns[krs gq,] fuxe us 2007&08 esa izfr va'k #-9-60 ds ykhkka'k dh flqkfj'k dh gsa ¼2006&07 esa # izfr va'k½ Hkkjr esa lelr lk/kkj.k chekdrkzvksa ds fy, O;kolkf;d eksvj r`rh; i{k chek O;olk; ds lexz la/kkj.k ds fy, vkãvkjmh, us Hkkjrh; eksvj r`rh; i{k chek lewg dh LFkkiuk ds funsz'k fn,a ;g O;oLFkk 1 vizsy] 2007 ls izhkkoh gqbza cgqi{kh; iquchzek O;oLFkk esa thvkãlh dk fgllk os/kkfud v?;iz.k ds va'k ds leku 15 izfr'kr jgsxka lkewfgd O;olk; ds 'ks"k dks vu; lhkh lnl; chekdrkzvksa ds }kjk lk>k fd;k tk,xka thvkãlh bl lewg dk iz'kkld gs vksj bls lkeqfgd O;olk; dh dqy izhfe;e lsok dj lfgr 2-5 izfr'kr ds 'kqyd dk Hkqxrku fd;k tk jgk gsa bl iz;kstu ds fy, i;kzir ekuo'kfdr] gkmzos;j vksj lkwvos;j fllvel ds lkfk,d Lora= eksvj lewg LFkkfir fd;k gs A chek vf/kfu;e] 1938 dh /kkjk 101, ds vurxzr iznùk vf/ kdkjksa ds vuqlkj vf/kfu;e dh /kkjk 101ch ds vurxzr xfbr iquchzek ijke'kz lfefr ds ijke'kz rfkk dsunzh; ljdkj ds vuqeksnu ls izkf/kdkj.k us fufnz"v fd;k gs fd Hkkjrh; iquchzekdrkz ds lkfk iquzchfer dh tkus okyh izr;sd ikwfylh ij chek /ku ;k ih,e,y ij fcuk fdlh lhekvksa ds chek /ku dk v/;iz.k izfr'kr] 1 vizsy 2007 ls 31 ekpz] 2008 ds nksjku layxu cheks ij 15 jgsxk rfkk 1 vizsy] 2008 ls 31 ekpz] 2008 ds nksjku 10 jgsxka vfuok;z v/;iz.k dh vu; lhkh 'krsz vifjofrzr jgsxha iquchzek deh'ku vksj ykhk deh'kuksa ds lfgr thvkãlh }kjk izkir vfuok;z v/;iz.k ifjf'k"v esa fn;k x;k gsa l- vuqla/kku rfkk fodkl fohkkx vuqla/kku rfkk fodkl fohkkx us eksvj O;olk; laca/kh lkjf.k;k a rs;kj djus gsrq O;kikfjd Lrj ds vkadm+ksa dks,d= djus ds fy, Vh,lh dks ekxzn'kzu iznku fd;k gsa fofhkuu lexz Lrjksa ij vkadm+ksa dk 'kq)hdj.k fd;k x;k vksj lkjf.k;k rs;kj dh xbz rkfd izkf/kdkfj;ksa dks lunhkz ekudksa ds vkadyu vksj chekdrkzvksa dks MhVsjhQkbM fof/k ls rduhdh ij vk/kkfjr ewy;ksa ds vkadyu esa enn fey ldsa blds ckn] lexz rkfydkvksa dks vkãvkjmh, vksj Vh,lh dh osclkbzv~l ij Mkyk x;ka eksvj ij lexz rkfydkvksa ds lkfk] Vhih, ls ladfyr vkadm+ksa ds vk/kkj ij LokLF; chek laca/kh rkfydk;sa Hkh rs;kj dh xbz vksj vkãvkjmh, vksj Vh,lh dh osclkbzv~l ij Mkyh xbza ;g Lohdkj djrs gq, fd orzeku vkadm+ksa ds izk:i MhVsjhQ fof/k ls fo'ys"k.k ds fy, lgk;d ugha gs] vkadm+ksa ds izk:i dks chekdrkzvksa ds ijke'kz ls la'kksf/kr fd;k x;ka lk/ kkj.k chek O;olk; ds vu; izdkjksa tsls vfxu] buthfu;jhax vkfn ij tkudkjh,d= djus ds fy, chekdrkzvksa] vkãvh fo'ks"kkksa vksj chekaddksa ds,d lewg ds ijke'kz esa vkadm+ksa ds izk:iksa dks vfure :i fn;k x;ka la'kksf/kr izk:iksa dks vkãvkjmh,@vhlh, dh osclkbzv ij Mkyk x;k gsa vk'kk gs fd daifu;k vkadm+ksa dks bu izk:iksa ds vuqlkj izlrqr djsaxh A Hkkjr ljdkj ds leuo; es a vuqla/kku rfkk fodkl fohkkx lfozl izkbl bumsdl uaclz rs;kj djus ij,d jk"vªh; lsehukj vk;ksftr dj jgk gsa bl lsehukj dk iz;kstu gs lsokvksa dh >ksyh esa chek O;olk; ds lekos'k dh mi;ksfxrk dks le>kuk rkfd ewy;ksa dh xfr ij utj j[kh tk ldsa bl lsehukj us vfkzo;olfkk esa lsokvksa dh egroiw.kz Hkwfedk ij lkeku;,oa lsok {ks=] [kkl rksj ij chek {ks= dh vksj chekdrkzvksa dk /;ku vkdf"kzr fd;k gsa bl fn'kk es a] m ksx ea=ky; dks lfozl izkbl bumsdl uacjksa ds ladyu ds fy, okafnr izk:i esa lwpukvksa ds iznk; ds fy, fohkkx chek daifu;ks a ds leuo; es a dk;z dj jgk gsa blds vfrfjdr] muds vkadm+ksa dh t:jr ds laca/k esa fohkkx vkãvkjmh, ds nwljs fohkkxksa ds lkfk leidz esa gsa lhvkãvkã@vkãvkjmh, }kjk xfbr LokLF; chek vkadm+ksa ds ekudksa ij lhvkãvkã dk;zjr lewgksa ds lkfk vuqla/kku rfkk fodkl fohkkx us lfø; rksj ij lghkkfxrk dh gsa lewg dh fjiksvz lhvkãvkã dks izlrqr dh xbz FkhA fohkkx] ekud mipkj ekxznf'kzdk rs;kj djus ds fy, Hkh LokLF; ea=ky;] Hkkjr ljdkj dks lg;ksx dj jgk gsa 33

274 a okf kzd fjiksvz 2007&08 leh{kk ikwfylh/kkjdksa ds fgrksa dk laj{k.k vkãvkjmh, dk izeq[k mn~ns'; gs ikwfylh/kkjdksa ds fgrksa dk laj{k.ka fu;eksa ds ek/;e ls izkf/kdj.k chekdrkzvksa dks ;g vf/ kdkj nsrs gs fd os mudh f'kdk;rksa ds lek/kku ds fy, izhkkodkjh dne mbk;saa blds lkfk gh] izkf/kdj.k us thou vksj xsj thou chek ds fy, vyx vyx f'kdk;r izdks"b xfbr fd, gsaa gky gh ds le; esa LokLF; chek ikwfyfl;ksa ds laca/k esa ofj"b ukxfjdksa dh f'kdk;rksa ds fujkdj.k ds fy, vkãvkjmh, esa,d vyx izdks"b xfbr fd;k x;k gsa ikwfylh /kkjdks a ls izkir fof'k"v f'kdk;rksa dks izkir djus vksj chekdrkzvksa ds lkfk mudk lek/kku djokus ds vfrfjdr ToyUr eqn~nksa dks fpfugr djus ds fy, izkf/kdj.k lfø; gs vksj ;fn vko';drk im+us ij fujh{k.k Hkh vk;ksftr djrs gsaa izkf/kdj.k us chekdrkzvks dks ;g ijke'kz Hkh fn;k gs fd os ikwfylh/kkjdksa dks ikwfylh nlrkostksa esa gh f'kdk;r lek/kku iz.kkyh dh tkudkjh miyc/ k djk;saa chekdrkzvksa dh _.k'kks/ku {kerk dk la/kkj.k chek vf/kfu;e 1938 dh /kkjk 64 oh, ds vurxzr izr;sd chekdrkz dks,d vko';d _.k'kks/ku {kerk /kkj.k djuk vko';d gsa izr;sd chekdrkz] viuh ifjlaifùk;ksa ds eksy ls vfrfjdr] vius nkf;roksa dh jkf'k ls vf/kd jkf'k la/kkfjr djsxk tks vkãvkjmh, }kjk fu/kkzfjr jkf'k ls de ugha gksxh vksj ftls vko';d _.k'kks/ku ekftzu ds :i esa lunfhkzr fd;k x;k gsa vko';d _.k'kks/ku ekftzu dh x.kuk fof/k ds fooj.k vkãvkjmh, ¼ifjlaifÙk] nkf;ro vksj chekdrkzvksa dh _.k'kks/ku {kerk½ fu;e] 2000 esa folrkj ls fn;s x, gsaa thou chekdrkzvksa ds ekeys esa] vko';d _.k 'kks/ku ekftzu #- 50 djksm+ + rd gs ¼iquchZekdrkZvksa ds ekeys es a #- 100 djksm+ +½ ;k og jkf'k tks vf/kfu;e@fu;e esa fn, x, lw= ij vk/kkfjr gksa lk/kkj.k chekdrkzvksa ds ekeys esa] vko';d _.k'kks/ku ekftzu fueufyf[kr jkf'k;ksa rd vf/kdre gksxha 1. ipkl djksm++ #i, ¼iquchZekdrkZ ds ekeys esa,d lks djksm++ #i,½] ;k 2. 'kq) izhfe;e vk; dh 20 izfr'kr jkf'k ds lerqy;] ;k 3. 'kq) O;; fd, x, nkoksa ds rhl izfr'kr ds cjkcj jkf'k] c'krsz 'kq) izhfe;e dh x.kuk esa iquz%chek ds fy, tekjkf'k vksj O;; fd, x, 'kq) nkoksa dh oklrfod jkf'k] ijurq fu;eksa ds }kjk vkadfyr izfr'kr ipkl izfr'kr ls vf/kd ugha gksuk pkfg,a vkãvkjmh, us lhkh chekdrkzvksa ds fy, 1-5 dk,d dk;zdkjh _.k'kks/ku ekftzu vuqikr ¼okafNr _.k'kks/ku ekftzu ls oklrfod _.k'kks/ku {kerk dk vuqikr½ fu/kkzfjr dj j[kk gsa 2007&08 ds nksjku] vkãvkjmh, us lhkh chekdrkzvksa ds fy, _.k'kks/ku flfkfr ds ckjs esa =Sekfld izfrosnu tkjh fd;k gsa rn~uqlkj] vc lelr chekdrkzvks a dks 30 twu] 30 flracj] 31 fnlacj vksj 31 ekpz dks mudh _.k'kks/ku flfkfr ds ckjs es a viuk izfrosnu izlrqr djuk gksxka,d egroiw.kz?kvd tks chek pkrq;z ij izhkko Mkyrk gs og gs _.k'kks/ku ekftzu ds vurxzr iwath dh vko';drka 'kq) vkof/ kd izksmdv~l iznku djrs gs lk/kkj.k thou lqj{kk vksj ;g ekuk tkrk gs fd daifu;k,sls izksmdv fmtkbzu dj ldrh gs tks tuleqnk; ds fofhkuu fgllksa esa tkdj mudh chek laca/kh t:jrksa dks iwjk djrs gq, chek pkrq;z dks c<+ +kok ns ldrh gsa bl mn~ns'; ds ifjizs{; esa] izkf/kdj.k us 'ks"k izksmdv~l ds ekeys es a QsDVj yksfmax dks ifjofrzr fd, fcuk 'kq) vkof/kd izksmdv~l ds ekeys es a] thou chekdrkzvks a dks iw ath dh vko';drk es a deh ykus dh vuqefr nsus dk fu.kz; fy;k gsa vk'kk gs fd 'kq) vkof/kd izksmdv~l ds fy, _.k'kks/ku ds fupys Lrj thou chekdrkzvksa dks os;fdrd izksmdv~l vksj lewg izksmdv~l] nksuks ds gh vurxzr egroiw.kz jkgr nsaxsaa ;g chekdrkzvksa dks i;kzir :i ls yach vof/k;ks a vksj ogu djus ;ksx; njks a ij vksj vf/kd 'kq) vkof/kd izksmdv~l izlrqr djus esa Hkh enn djsaxsaa pwafd chek daifu;ksa ds }kjk laxzfgr dqy izhfe;e esa fyadm~ izksmdv~l dk egroiw.kz fgllk gs] vksj D;ksafd bu izksmdv~l esa fuos'k dk tksf[ke fuos'kd ogu dj jgs gsa] blfy, ;g t:jh gs fd lahkkfor@ikwfylh/kkjdksa dks vf/kd tkudkjh nh tk, rkfd os lq>cw> Hkjs fu.kz; ys ldsaa bl laca/k esa] izkf/kdj.k us thou chekdrkzvksa dks ;wfyi izksmdv~l dh ikwfylh fooj.k esa vf/kd ikjn'khz jgus ds fy, dgk gs vksj chekdrkzvksa dks ;g vkns'k fn;s gs fd os izr;sd ikwfylh o"kz ds fy, izkf/kdj.k dks xkjavsm vksj fcuk xkjavh okys ykhkksa ds fooj.k izlrqr djsaa bl iz;kstu ls,d izk:i Hkh izlrqr fd;k x;k gs vksj izkf/kdj.k us funsz'k fn, gsa fd tc lahkkfor@ikwfylh/kkjd,d ;wfyi ikwfylh ysuk izlrkfor djrk@djrh gs rc gh mls izlrko izi= esa nksuks ij glrk{kj djuk pkfg,a blls ikwfylh/kkjd dks ikwfylh dh 'krsz@ykhkks a dks tkuus dk ykhk gksxk vksj vfhkdrkzvks a 34

275 a okf kzd fjiksvz 2007&08 }kjk vlkeku; fuos'k ykhk crkdj xyr rjhds ls cspus esa Hkh deh vk,xha thou chekdrkz lelr 18 thou chekdrkzvksa us] ftugksaus 2007&08 esa chek dk;z gsrq izhfe;e izkir dh gs] 1-5 ds _.k'kks/ku vuqikr dh 'krsz iwjh dj yh gsa,yvk;lh dk _.k'kks/ku vuqikr 1-52 gs tks lhkh chekdrkzvksa dk U;wure gsa nks uohu LFkkfir chek daifu;k] ;wpj tujyh bf.m;k ykbzq ba';ksjsal daiuh fy- vksj vkãmhchvkã QksVhZl ykbzq ba';ksjsal daiuh fyfevsm dk _.k'kks/ ku vuqikr Øe'k% 2-94 vksj 3-45 gsa tcfd 11 thou chekdrkz] ftugksaus finys o"kksz dh vis{kk 2007&08 ds nksjku vius _.k'kks/ku vuqikr esa lq/kkj fd;k gs] ogha 5 chekdrkzvksa ds ekeys esa bl vuqikr esa fxjkov vk;h gsa buesa ls] vohok ykbzq ba';ksjsal daiuh fy- ds _.k'kks/ku vuqikr esa 2006&07 ls 2007&08 ds chp 6-31 ls 2-27 rd fxjkov vk;h gsa ¼fooj.k 49½ xsj thou chekdrkz lhkh pkj lkoztfud {ks= ds xsj thou chekdrkzvksa us 1-5 ds _.k'kks/ku vuqikr dh 'krz iwjh dj yh gsa fo'ks"kk ba';ksjsal daifu;ksa ds chp bzlhthlh us] tks lk[k O;olk; dh chek dj jgh gs] 31 ekpz 2007 ds ds fo:) ds _.k'kks/ku vuqikr dh lwpuk nh gsa,xzhdypj ba';ksjs al daiuh us 31 ekpz] 2007 ds 2-05 ds fo:) 31 ekpz] 2008 dks 3-27 dk _.k'kks/ ku vuqikr lwfpr fd;k gsa,dek= LokLF; chek daiuh] esviksyks Mhdoh ba';ksjsal daiuh fyfevsm dks NksM+dj lhkh xsj thou chek futh chekdrkzvksa us fu/kkzfjr _.k'kks/ku vuqikr vftzr dj fy;k gsa bl daiuh dk _.k'kks/ku vuqikr 31 ekpz] 2008 dks 1-39 FkkA fqj Hkh] daiuh us ckn esa bl _.k'kks/ku vuqikr esa lq/kkj ykus ds fy, #- 61 djksm+ + dh iw ath Qw adh gsa blds ifj.kkelo:i] daiuh dk _.k'kks/ku vuqikr 31 vxlr] 2008 dks LVkj gsyfk ds U;wure vuqikr 1-5 ls vf/kd gks x;k tks nwljh,dek= LokLF; chek daiuh gs vksj ftldk _.k'kks/ ku vuqikr 31 ekpz] 2008 dks 1-97 FkkA iquchzekdrkz jk"vªh; iquchzekdrkz] lk/kkj.k chek fuxe us 31 ekpz] 2007 ds 4-10 ds fo:) 31 ekpz] 2008 dks 3-36 dk _.k'kks/ku vuqikr lwfpr fd;k gsa iquchzek dh fuxjkuh vkãvkjmh, vf/kfu;e] 1999 dh /kkjk 14¼1½ vksj 14¼2½ mi/ kkjk ¼,Q½ vksj blds lkfk gh chek vf/kfu;e] 1938 dh /kkjk 34,Q] 101,] 101ch vksj 101 lh izkf/kdj.k dks iquchzes dk vf/kdkj nsrh gsa izkf/kdj.k us iquchzekdrkzvksa ds lkfk iquchzek esa ewyhkwr fu;eksa dks /;ku esa j[krs gq, fu;e rs;kj fd, x, gsaa chek vf/kfu;e] 1938 ds izko/kkuksa ds vurxzr] Hkkjrh; lk/ kkj.k chek fuxe dks ^^Hkkjrh; iquchzekdrkz** ds :i esa ukekafdr fd;k gs ftlls bls 2008&09 es a lelr izr;{k lk/kkj.k chekdrkzvks ls 10 izfr'kr v/;iz.k dh vfuok;z ik=rk fey xbz gsa iquchzekdrkz ijke'kz lfefr ds ijke'kz ls lhekvksa dks de fd;k x;k gsa rkfydk 30 Hkkjrh; O;olk; ij dqy izr;{k izhfe;e ds izfr'kr ds :i esa 'kq) izfr/kkfjr izhfe;e ¼thvkÃlh dks NksM+dj½ ¼izfr'kr½ fglls lkoztfud {ks= futh {ks= dqy lkoztfud {ks= futh {ks= dqy vfxu efju tgkt vu; efju laca/kh eksvj buthfu;jhax foekuu vu; fofo/k dqy

276 okf kzd fjiksvz 2007&08 izr;sd chekdrkz dks O;olk; lapkyu vksj _.k'kks/ku {kerk cuk, j[kus ds fy,,d O;kid vksj l{ke iquchzek dk;zøe dhs vko';drk gksrh gsa izkf/kdj.k pkgrs gsa fd izr;sd chekdrkz dk iquchzek dk;zøe blds funs'kd e.my }kjk vuqeksfnr gksuk pkfg,a fu;eksa esa ;g izko/kku Hkh gs fd izr;sd chekdrkz dks chek o"kz ds fy, o"kz izkjahk gksus ds de ls de 45 fnu iwoz izkf/ kdj.k ds le{k viuk iquchzek dk;zøe izlrqr djuk pkfg,a blds vfrfjdr chekdrkz dks foùkh; o"kz izkjahk gksus ds 30 fnu ds Hkhrj iquchzek O;oLFkkvksa ls lac) le>ksrs dh ifpz;k ;k doj uksv~l izkf/kdj.k ds ikl izlrqr djuk vko';d gsa ;s mik;,d chekdrkz ds fy, i;kzir vksj izhkkoh iquchzek O;oLFkkvksa dks iznf'kzr djrs gsa D;ksafd bldh _.k'kks/ku {kerk dk vkadyu ^^dqy iquchzek** ds vk/kkj ij fd;k tkrk gsa aaaaa rkfydk 31 Hkkjrh; esa 'kq) izr;{k izhfe;e ds izfr'kr ds :i esa Hkkjr esa vksj ckgj fd;k x;k iquchzek ¼thvkÃlh dks NksM+dj½ ¼izfr'kr½ vuqhkkx Hkkjr es fd;k x;k Hkkjr ls ckgj fd;k Hkkjr esa fd;k x;k Hkkjr ls ckgj fd;k vfxu efju tgkt vu; leqnz laca/kh Ek Vj foekuu buthfu;jhax fofo/k ;ksx fu;eksa ds rgr t:jh gs fd izr;sd chekdrkz viuh foùkh; lkef;z vksj O;olk; ds ifjek.k ds vuq:i vf/kdre lahko izfr/kkj.kk la/kkfjr djsa iquchzek dk;zøe ds lapkyu ds ekxzn'khz fl)kur bl izdkj gs% 1 ns'k ds Hkhrj vf/kdre izfr/kkj.k] rkfydk i;kzir {kerk dk fodkl 3 O;; gksus okys iquchzek ewy; ds fy, lokzsùke lahko lqj{kk dks lqjf{kr djuk] rfkk 4 O;olk; ds iz'kklu dk ljyhdj.k Hkkjrh; O;olk; ij Hkkjr ls ckgj iquchzek dk leiz.k ¼thvkÃlh dks NksM+dj½ ¼djksM++ #i,½ vuqhkkx lefizr izhfe;e dqy lefizr ykhk lefizr izhfe;e dqy lefizr ykhk vfxu efju tgkt vu; leqnz laca/kh Ek Vj foekuu buthfu;jhax fofo/k ;ksx

277 okf kzd fjiksvz 2007&08 fu;eksa dh ;g ekax Hkh gs fd Hkkjrh; chekdrkz lhkh chekdrkzvksa ds ijke'kz ls iquchzek vfr'ks"kksa ds fy,?kjsyq lewg xfbr djsaa rkfydk 33 Hkkjrh; cktkj esa lnl; daifu;ksa dk fgllk vkradokn lewg chekdrkz Tkksf[ke {kerkokj vuqhkkx (%) Tkksf[ke {kerkokj vuqhkkx (%) ¼djksM++ #i,½ ¼djksM++ #i,½ thvkãlh us'kuy U;w bf.m;k vksfj,avy ;wukbvsm bf.m;k ctkt vyk;at pksyke.mye ;wpj tujyh 'kkl- chek dks"k] xqtjkr ,pMh,Qlh vkãlhvkãlhvkã yksackmz bdks&vksfd;ks fjyk;al jkw;y lqunje VkVk&,vkÃth ;wfuolzy lkseiks ;ksx &08 ds nksjku] lewg dh dqy lefizr izhfe;e Fkh # djksm+ + vksj Hkqxrku fd, x, nkos Fks # djksm+ +A finys o"kz esa Hkqxrku fd, x, # djksm+ + ds nkoksa ds lkfk lewg dh izhfe;e Fkh # djksm++a lewg ds vpns izn'kzu ds en~nsutj] lewg }kjk izlrqr {kerk dks 1 vizsy] 2008 ls #- 750 djksm++ izfr tksf[ke@lfkku rd c<++k fn;k x;ka lewg ds lnl; Hkh vkradokn izhfe;e njksa esa 1 vizsy] 2008 ls dvksfr laca/kh la'kks/ku ds fy, lger gks x,a 37

278 okf kzd fjiksvz 2007&08 rkfydk 34 vkradokn tksf[ke chek ds fy, izhfe;e dh njsa ¼1 vizsy] 2008 ls ykxw ½ izfr LFkku dqy chfer jkf'k tksf[ke Js.kh la'kksf/kr nj* ¼lkexzh {kfriwfrz $ equkqs dh gkfu½ ¼izfr lgl= o"kz½ djksm++ #i, rd vks ksfxd tksf[ke 0.22 xsj&vks ksfxd tksf[ke 0.13 vkoklh; tksf[ke djksm++ #i, ls vf/kd izfke #- 500 djksm++ & fueu vuqlkj mijksdr ¼1½ vksj # djksm++ #i, rd /ku 'ks"k tek chek jkf'k ij : vks ksfxd tksf[ke 0.17 xsj&vks ksfxd tksf[ke djksm++ #i, ls Åij izfke # djksm++ & fueu vuqlkj mijksdr ¼1½ /ku 'ks"k tek chfer jkf'k ij : vks ksfxd tksf[ke 0.13 xsj&vks ksfxd tksf[ke 0.08 * njsa iw.kz chek jkf'k ij yh tkuk gs ¼,eMh$,yv ih½ rkfydk 35 vkradokn tksf[ke chek ds fy, lqj{kk lhek ¼1 vizsy] 2008 ls ykxw ½ dqy chek /ku ¼,eMh$,yv ih½ lexz ¼,eMh$,yv ih½ nkf;ro iwath izfr LFkku@ifjlj #- 750 djksm++ ls vf/kd ugha dqy chfer jkf'k #- 750 djksm++ ls vf/kd #- 750 djksm+ iquchzek ijke'kz lfefr chek vf/kfu;e] 1938 dh /kkjk 101, ds vuqlkj] dsunzh; ljdkj ds iwoz vuqeksnu ls] iquchzek ijke'kz lfefr ds ijke'kz ls izr;sd chekdrkz Hkkjrh; iquchzekdrkz ds lkfk izr;sd lk/kkj.k chek ikwfylh ij chek jkf'k ds,sls izfr'kr dh chfer jkf'k dk chek djsxk tks izkf/kdj.k ds }kjk fufnz"v dh tk,xh] ftls vfuok;z vh;zi.k ;k os/kkfud vh;zi.k ds :i es aaaaa Hkh tkuk tkrk gsa bl iz;kstu ds fy, izkf/kdj.k vf/klwpuk ds }kjk v½ Hkkjrh; iquchzekdrkz ds lkfk iquz%chfer fd, tkus okyh izr;sd ikwfylh ij chfer jkf'k dk izfr'kr fufnz"v dj ldrh gs vksj chek dh fofhkuu Jsf.k;ksa ds fy, vyx&vyx izfr'kr izfr'kr fufnz"v fd, tk ldrs gsa c'krsz bl izdkj fufnz"v dksbz Hkh izfr'kr bl izdkj dh ikwfylh ij chfer jkf'k ds 30 izfr'kr ls vf/kd ugha gksxk] vksj c½ og vuqikr Hkh fufnz"v dj ldrh gs ftlesa Hkkjrh; iquchzekdrkz ds chp dffkr izfr'kr dk vkoavu fd;k tk,xka 38

279 okf kzd fjiksvz 2007&08 iquchzek ijke'kz lfefr us Qjojh] 2007 esa leiuu viuh finyh csbd esa izkf/kdj.k dks aflqkfj'k dh fd vfuok;z vh;iz.k dks fo eku 20 izfr'kr nj dks o"kz 2007&08 ds fy, 15 izfr'kr rd vksj o"kz 2008&09 ds fy, 10 izfr'kr rd de dj fn;k tk,a izkf/kdj.k us ;g flqkfj'k eatwj dj yh vksj vxys nks o"kksz ds fy, la'kksf/kr vfuok;z vh;iz.k dh njsa tkjh dj nha o"kz 2007&08 gsrq ns'k ds fy, lexz fgllsokj izfr/ kkfjrk fooj.k 28 esa izlrqr gsa izkf/kdj.k us ;g Hkh fu.khzr fd;k fd o"kz 2008&09 ds fy, os/kkfud vh;iz.k gsrq deh'ku vksj equkqs dh 'krksz ij chekdrkz vksj Hkkjrh; iquchzekdrkz ds chp vkilh ppkz }kjk lgefr nh tk,a chekdrkzvksa ds fuos'kksa dh fuxjkuh ¼d½ chek {ks= ds fuos'k chekdrkzvksa }kjk thou vksj xsj&thou nksuks ij lkoztfud vksj futh {ks= ds fy, fd, x, fuos'k] vyx vyx fueu rkfydk esa fn, x, gsaa rkfydk 36 chekdrkzvksa ds fuos'k chekdrkz thou xsj &thou dqy ¼djksM++ #i,½ lkoztfud {ks= (20.61) (6.9) (19.61) futh {ks= (94.68) (45.91) (88.75) dqyl (26.13) (11.70) (25.02),yvkÃlh ds fuos'k esa izfr'kr ¼blds fo'kky vk/kkj dh n`f"v ls½ dh o`f) gqbz vksj] futh chekdrkzvks a ds ekeys es a] o`f) izfr'kr FkhA lkoztfud {ks= ds xsj thou chek daifu;ksa ds fuos'kksa esa gksus okyh o`f) 6-9 izfr'kr Fkh vksj futh {ks= ds xsj&thou chekdrkzvksa ds fy;s ;g izfr'kr FkhA 31 ekpz] 2008 dks] chek m ksx }kjk fd, x, dqy fuos'k finys o"kz ds # ds fo:) # rd c<+ + x,a,d vksj thou chekdrkzvksa ds fuos'kksa esa izfr'kr dh o`f) gqbz vksj ;s # rd c<++ x, tcfd xsj thou chekdrkzvksa ds ekeys esa ;g o`f) izfr'kr gksdj # djksm++ rd gks xbza ¼ ½ thou chekdrkz 2007&08 ds nksjku ijaijkxr mriknksa ls,d= izhfe;e ls gq, o`gn Lo:i ds fuos'k 2006&07 es a mlh Lo:i es a cus jgsa fqj Hkh] vk/kkjhkwr vksj lkekftd {ks= esa fd, tkus okys fuos'kksa esa 13 ls izfr'kr rd dh fxjkov vk;ha 39

280 okf kzd fjiksvz 2007& rkfydk 36 (I) dqy fuos'k % ys[ki= okj ¼djksM+ #i,½ ijaijkxr mriknksa ls fuos'k jkf'k ;ksx ls jkf'k ;ksx ls jkf'k ;ksx ls izfr'kr izfr'kr izfr'kr 1 dsunzh; ljdkj dh izfrhkwfr;k lesr vuqeksfnr izfrhkwfr;k 1v. blesa ls dsunzh; ljdkj dh izfrhkwfr;k v/kkslajpuk rfkk lkekftd {ks= uos'k] fuos'k ekin.m ij fuhkzj ftlesa vuqeksfnr 3v. blesa ls vuqeksfnr fuos'kksa ds vfrfjdr d ;ksx ¼1$2$3½ ;wfyi fuf/k;k 4 vuqeksfnr fuos'k vuqeksfnr fuos'kksa ds vfrfjdr ;ksx ¼4$5½ dqy ;ksx ¼ d$ ½ ¼x½ fuos'kksa dk fuf/kokj Lo:i ;g ns[kk tk ldrk gs fd finys o"kz ls ;wfuv fyadm fuf/k;ksa rkfydk 36 (II) thou chekdrkz ds fuos'k # fuf/k okj chekdrkz thou&fuf/k isa'ku rfkk lkeku; okf"kzdh fuf/k ds fuos'kks aaaaa ds Ik{k es a a a a a,d egroiw.kz >qdko vk;k gsa bls vkxs rkfydk 35 esa fo'ysf"kr fd;k x;k gsa lewg isa'ku rfkk ;wfuv fyadm fuf/k okf"kzdh fuf/k dks NksM+dj lewg ¼djksM++ #i,½ lelr fuf/k;ksa dk ;ksx ,yvkÃlh ,yvkÃlh futh {ks= ;ksx {ks= ;ksx (77.06) (71.49) (6.13) (5.70) (5.71) (5.31) (11.1) (17.50) fvii.kh %1½ vkadm+sa vkbzvkjmh, dks izlrqr vlfkk;h izfrosnuksa ij vk/kkfjr gsaa 2½ dks"bd esa fn;s x, vkadm+s lacaf/kr ;ksx ds izfr'kr gsaa 40

281 okf kzd fjiksvz 2007&08 ¼Ä½ ;wfuv fyadm rfkk ijaijkxr O;olk; ds fuos'kksa dh o`f) o"kz nj o"kz vk/kkj ij] finys 4 o"kksz ds nksjku ijaijkxr dks"kksa ds fo:) fuos'kksa esa ;wfyi fuf/k;ksa ds izfr'kr esa o`f) ¼rkfydk 32½ dk izfr'kr ;g n'kkzrk gs fd ;wfuv fyadm O;olk; esa fuos'k o`f) 2003&04 esa izkjahk gqbza rc rd ds dqy fuos'k flqz ijaijkxr] lewg vksj okf"kzdh O;olk;ksa esa gh gksrs FksA rkfydk 37 dqy fuos'k % fuf/kokj ¼djksM #i,½ dks"k ;ksx % o`f) ;ksx % o`f) ;ksx % o`f) thou isa'ku rfkk lk/kkj.k okf"kzdh lewg ijaijkxr ¼d½ ijaijkxr ¼d½ dqy fuos'k TOTAL INVESTMENTS &06 esa ;wfuv fyadm fuos'kksa ds lap;h 'ks"k # djksm++ lwfpr fd, x, Fks tks 2006&07 esa # rd c<++ x, vksj blds ckn 2007&08 esa # gks x,a,d o`f)'khy vk/kkj ij] tcfd finys 2 o"kksz ds nksjku fuos'kksa dh o`f) ijaijkxr mriknksa ds laca/k esa,d LFkk;h izo`fùk n'kkz jgh gs] ;wfuv fyadm O;olk; ds laca/k esa gksus okys fuos'kksa esa lh/ kh&lh/kh o`f) gqbz gsa xsj & thou chekdrkz 31 ekpz] 2008 dks xsj&thou chekdrkzvks a ds dqy fuos'kksa esa ls] # djksm++ dsunzh; vksj jkt; ljdkj dh izfrhkwfr;ksa esa] # djksm++ v/kkslajpuk vksj lkekftd {ks= esaa vksj # djksm++ dk fuos'k tksf[ke ekudksa ij vk/kkfjr FkkA 31 ekpz] 2007 dks fuos'kksa ds vkdkj Øe'k% # djksm++] # djksm++] # djksm++ FksA rkfydk 38 xsj&thou chekdrkzvksa ds fuos'k % fuf/kokj ¼djksM++ #i,½ fuos'kksa dh 'ksyh ;ksx fuf/k dk % ;ksx fuf/k dk % ;ksx fuf/k dk % 1 ljdkjh izfrhkwfr;ksa lfgr vu; vuqeksfnr izfrhkwfr;k d d buesa ls ljdkjh izfrhkwfr;k vkoklh; rfkk vfxu'kked midj.k v/kksljapuk rfkk lkekftd {ks= tksf[ke ekudksa ij vk/kkfjr fuos'k ¼vksVh,vkà lfgr½ d vuqeksfnr fuos'kksa ls vyx ;ksx uksv %,vkãlh vkwq bf.m;k dks 'kkfey ugha fd;k x;k gsa

282 okf kzd fjiksvz 2007&08 lkoztfud {ks= dh xsj&thou chek daifu;ksa us dsunz ljdkj vksj jkt; ljdkj dh izfrhkwfr;ksa esa ¼muds dqy fuos'k dk izfr'kr½ # djksm++] # djksm++ ¼muds dqy fuos'k dk izfr'kr½ vk/kkjhkwr vksj lkekftd {ks= esa vksj ¼dqy fuos'kksa dk izfr'kr½ # djksm++ tksf[ke ekudks a ds vuq:i dk fuos'k fd;k tcfd finys o"kz buds }kjk bu enksa esa fd, x, fuos'k Øe'k% djksm++ ¼ izfr'kr½] # djksm++ ¼11-43 izfr'kr½ vksj # djksm++ ¼43-74 izfr'kr½ FksA mijksdr {ks=ksa esa futh chekdrkzvksa ds }kjk 31 ekpz] 2007 dks fd, x, fuos'k # djksm++ ¼36-39 izfr'kr½] # djksm++ ¼16-93 izfr'kr½ vksj # djksm++ ¼37-81 izfr'kr½ ds fo:) fd, fuos'k jgs Øe'k% # djksm++ ¼36-22 izfr'kr½] # djksm++ ¼20-03 izfr'kr½ vksj # djksm++ ¼35-39 izfr'kr½a LokLF; chek o`f) dh izo`fùk;k LokLF; chek ds izfr c<++rh tkx:drk] LokLF; lsok dh c<++rh dhersa] vksj gky gh esa lk/kkj.k chek m ksx dh njksa esa dvksfr ¼ftlls LokLF; chek vksj vu; O;fDrxr izdkj ds O;olk;ksa dh vksj chek daifu;kasa ds iz;kl vksj izhkko c<+ +s gsa½ finys dqn o"kksz esa LokLF; chek ds izeq[k okgd cu x, gsaa gky gh ds o"kksz es a Hkkjr es a LokLF; chek xsj&thou chek m ksx esa lcls vf/kd c<++rk gqvk {ks= cu x;k gs] vksj 2007&08 ds nksjku # djksm+ + dh izhfe;e ds lkfk bles a 60 izfr'kr dh o`f) gqbz gsa LokLF; chek daifu;ksa ds fy, ;g,d c<++rs gq, egroiw.kz O;olk; ds :i esa Hkh mhkjk gs] vksj vusd izeq[k thou chek daifu;kasa ds ikl vc LokLF; chek mrikn miyc/ k gsa] vksj bues a ls mrd`"v mrikn finys 6 ekg gh es a izlrqr fd, x, gsaa finys 6 o"kksza ds nksjku] LokLF; chek mriknksa ls izkir izhfe;e o"kz 2001&02 esa #- 675 djksm++ ls c<++ dj 2007&08 esa # djksm++ gks xbz gsa 2005&06 ls rqyuk djus ij] LokLF; chek izhfe;e ds 2005&06 ds dksbz # djkssm+ ds Lrj esa 2007&08 rd 130 izfr'kr dh o`f) gqbz gsa finys o"kksz esa LokLF; chek ds vurxzr lqj{kk izkir O;fDr;ksa dh la[;k es a Hkh LFkk;h :i ls o`f) gks jgh gsa LokLF; chek es a bu o`gn lahkkoukvksa ij fopkj djrs gq, bl {ks= es a gksus okyh dksbz Hkh o`f) NksVh gh izrhr gksrh gsa LokLF; lqj{kk dh vuqiflfkfr esa] de vk; okys O;fDr;ksa ds ekeys esa vlirky esa HkrhZ gksus ds vkffkzd izhkko dkqh rhoz gks ldrs gsaa,slh tkudkjh izkir gqbz gs fd D;ksafd LokLF; lqj{kk dh vuqiflfkfr ls vkffkzd gkfu gksrh gs] blfy;s ns'k esa c<++rh xjhch dk ;g,d izeq[k dkj.k gks ldrk gsa avusd jkt;ksa us gky gh esa xsj&thou chekdrkzvksa ds lg;ksx ls vius vlqjf{kr lewgksa dks,slh LokLF; laca/kh foùkh; t:jrksa esa lgk;rk ds fy, cm+s isekus ij LokLF; chek dk;zøe izkjahk fd, gsaa dqn izeq[k ;kstuk, gsa vku/kzizns'k esa jktho vkjksx;jh ;kstuk vksj dsunz ds lg;ksx ls ns'k Hkj ds vusd jkt;ks a es a izkjahk jk"vªh; LokLF; chek ;kstuk ¼vkj,lchok;½A,slh ;kstukvksa us ns'k esa LokLF; chek ds dqn Lo:iksa ls lqj{kk izkir djus okys yksxksa dh la[;k esa o`f) dh gsa LokLF; chek ij vkãvkjmh, ds igy LokLF; chek ds fy, bldh fodklkred Hkwfedk esa vkãvkjmh, vusd iwoz&lfø; iz;kl dj jgk gsa izkf/kdj.k us 2003 esa,d jk"vªh; LokLF; chek dk;zdkjh lewg dh LFkkiuk dh gs tks LokLF; chek m ksx ds fofhkuu va'k/kkjdksa ds fy, feytqy dj dk;z djus vksj {ks= esa lac) eqn~nksa ij lek/kku lq>kus ds fy,,d eap iznku djrk gsa blds ckn] LokLF; chek ds fy, lvhd vksj lle; vkadm+ksa ds egro dks le>rs gq,],d mi lewg us LokLF; chek ij ekudhdj.k dh t:jr ij /;ku fn;k] vksj,d ekud vkadm+k izlrqfrdj.k izk:i rs;kj fd;k gsa bl iz.kkyh dks ykxw dj fn;k x;k gs vksj djhc 4 o"kka sz ls eqecbz esa VSfjQ ijke'kz lfefr esa izhkko'khy gs tgka chfer O;fDr;ksa vksj nkoksa ij fopkj.kh; vkadm+s,df=r vksj fo'ysf"kr fd, x, gsaa vkadm+k laxzg vksj fo'ys"k.k dh izfø;k vksj dkjxj cukus ds fy, iz;kl fd, x, gsaa 2006&07 ds fy,] laxzg.k bdkbz us 16-3 yk[k chfer yksxksa] 3-8 yk[k ikwfylh;ksa vksj 1 yk[k nkoks a ij vkadm+ s,df=r fd, vksj bu vkadm+ks a dh xq.koùkk esa fujurj lq/kkj vk jgk gsa 2004 esa] vkãvkjmh, us fo'ks"k :i ls,dy LokLF; chek daifu;ksa ds iath;u {ks= esa /;ku nsus vksj LokLF; chek mriknksa esa uohurk ykus ds fy, lq>ko nsus ds fy, mi lfefr;k Hkh fu;qdr dha bu mi&lfefr;ksa dh flqkfj'ksa us bu {ks=ksa esa izxfr ds }kj [kksys gsaa m ksx nks,dy vk/kkj okyh daifu;ksa] es- LVkj gsyfk,.m,ykãm ba';ksjsal daiuh fyfevsm rfkk esviksyks Mhdsoh ba';ksjsal daiuh fyfevsm ds izos'k dk lk{kh cuk gsa xzkgdks a dh fofhkuu t:jrksa dks iwjk djus ds fy, uohu vksj izxfr'khy mriknksa dks rs;kj fd;k tkdj miyc/k djk fn;k x;k gsa A 42

283 okf kzd fjiksvz 2007&08 LokLF; chek % igy ckwdl en 4 vdvwcj 2007 esa] Hkkjrh; m ksx la?k us viuk izfke LokLF; chek leesyu vk;ksftr fd;k] vksj leesyu esa izdv fd, x, fopkjksa ls ;g Li"V gks x;k fd LokLF; ches ds {ks= esa,sls vusd eqn~ns gsa ftu ij vks ksfxd bdkbz;ksa] fu;a=d vksj ljdkj }kjk cgqr vf/kd fopkj foe'kz] iz;kl vksj dk;zokgh dh t:jr gsa LokLF; chek ds vkadm+ksa] lsok iznkrk vksj HkqxrkudrkZ ekudksa rfkk LokLF; chek tkx:drk rfkk laokn ls laca) eqn~nksa ij folrkj ls dk;z djus ds fy, bu pkj dk;zdkjh lewg ds xbu esa vkãvkjmh, us lhvkãvkã dks lfø; lg;ksx fn;ka bu lewgksa esa vkãvkjmh, vksj lhvkãvkã ds izfrfuf/kx.k] LokLF; chek vfkz&o;olfkk ds chekdrkz] iznkrk] Vhih,] chekaddksa] vkãvh daifu;k ] vurjkz"vªh; fodkl,tsafl;k vksj vu; va'k/kkjd Fks] vksj lewgksa ds e/; rfkk bu lewgksa ls ckgj vu; va'k/kkjdksa ds lkfk] vusd eghuksa ds fopkj foe'kz ds ckn eqecbz esa ebz] 2008 esa vk;ksftr,d leesyu esa mudh izeq[k flqkfj'kksa dks izlrqr fd;ka LokLF; chek vkadm+k laxzg dk fodkl vksj va'k/kkjdksa ds chp lwpuk ds vknku&iznku ds fy,] dkjxj O;oLFkk lq>kus ds mn~ns'; ls vkadm+k ekudhdj.k lewg dk xbu fd;k x;k FkkA lewg ds ijke'kz dk lekos'k ;g Fkk fd vkãvkjmh, ds ikl miyc/k fo eku vkadm+s i;kzir xq.koùkk ds gsa vksj vkadm+ksa ds folrkfjr fo'ys"k.k ds mi;qdr gsa vksj xahkhj O;olk; pkrq;z dks c<+krs gq, vf/kdrj O;olkf;d fu.kz;ksa esa vkxs fodkl gsrq,d oskkfud vksfpr; iznku djrs gq, izxfr esa lgk;d gsaa lewg us lq>ko fn;k fd laxzg ds fy, izlrqr fd, x, vkadm+ksa dk fo'ks"kkksa ds,d lewg ds ekxzn'kzu esa fu;fer :i ls fo'ys"k.k gksuk pkfg,a blus ;g Hkh lq>ko fn;k fd bl folr`r fo'ys"k.k ds ifj.kke dks vkãvkjmh, lkoztfud :i ls tkfgj dj ldrk gsa vkadm+k laxzg iz.kkyh dk folrkj LokLF; mrikn csp jgs lhkh chekdrkzvksa ¼thou vksj lk/kkj.k nksuks½ rd gksuk pkfg,a vkãvkjmh, dks vkadm+k laxzg.k dk la/kkj.k djuk pkfg, vksj fu;ked izko/kkuksa ds vuqlkj chekdrkzvksa vksj Vhih, }kjk vkadm+ksa dh izlrqfr dk vuqikyu lqfuf'pr djuk pkfg,a lewg us flqkfj'k dh fd vlirkyksa rfkk LokLF; iznk;dksa ds }kjk laxzg.k esa lwpukvksa dh izlrqfr ds fy,,d O;oLFkk cuk;h tkuk pkfg, rkfd xsj chfer tula[;k ds vkadm+s Hkh miyc/k gks ftlls vlolfkrk ds vk/kkj ij lwpukvksa dk vk/kkj etcwr gksxka LokLF; chek nkoksa dks izlrqr djus ds fy,,d lkeku; ekud nkok izk:i izlrqr fd;k tk ldrk gs ftlls u dsoy pkgh xbz tkudkfj;k izkir djus esa cfyd nkoksa ds rhoz fuivku esa Hkh lqfo/kk gksxha funku ¼vkÃlhMh & 10 dksm~l dk blrseky djrs gq,½ vksj izfø;kvksa ¼vkÃlhMh 9 ihlh,l dksm~l dk blrseky djrs gq,½ ds ekudhd`r dksfmax dks l'kdr cukuk gksxka blds fy, chek daifu;ksa vksj Vhih, ds MkVk,UVªh vkwijsvlz] chekdrkzvksa vksj nkok fuivku vf/kdkfj;ksa ds fujurj izf'k{k.k dh vko';drk gksxha TchekdrkZvksa@Vhih, ds LVkWQ dks funku dksm~l ds vkoauvu esa izf'k{k.k esa lgk;rk nsus ds fy, lewg }kjk,d ljy Mªki&Mkmu vkãlhmh 10 dksfmax Vwy fodflr fd;k x;k Fkk vksj bls vkãvkjmh, dh osclkbzv ij izlrqr fd;k x;k gsa chekdrkzvksa vksj Vhih, dks vkadm+ksa ds ladyu rfkk izlrqrfrdj.k ds fy, viuh vkãvh ;ksx;rkvksa dks iznf'kzr djuk gksxka lewg us lq>ko fn;k fd vkãvkjmh, LokLF; ches dks chek daifu;ksa }kjk,d Lora= {ks= ds :i esa?kksf"kr dj ldrk gs rkfd LokLF; ches ij csgrj rjhds ls /;ku vkdf"kzr gks vksj blds fy, csgrj fdle ds xq.koùkkiw.kz vkadm+s izkir gks vksj oskkfud chekadu esa lqfo/kk fey ldsa LokLF; chek vkãvkjmh, ds fy,,d dsunz fcunq gksuk pkfg,a vkãvkjmh, dks LokLF; fohkkx dks l'kdr cukuk pkfg, vksj LokLF; chek ifj"kn~ tslh,d Lora= 'kklh fudk; lalfkk ij fopkj djuk pkfg,a lewg us ;g Hkh lq>ko fn;k fd fo'ys"kdksa@'kks/kdrkzvksa ds fy, nlrkostksa dk,d uewuk vkãvkjmh, dh osclkbzv 43

284 okf kzd fjiksvz 2007&08 ij Hkh Mkyk tkuk pkfg, A mipkj vksj chfyax esa ekudhdj.k vksj ikjnf'kzrk vftzr djus dh dk;ziz.kkyh ij lq>ko nsus ds mn~ns'; ij dk;e jgrs gq,] iznkrk ekudhdj.k lewg us lq>ko fn;k fd m ksx va'k/kkjdksa ds chp izhkkoh vksj lqli"v laokn LFkkfir djus ds fy, ekud mik; ykxw dj ldrs gsa izek.khdj.k] fu;ferhdj.k] xq.koùkk vk'oklu dk;zøe] ofj"bksa dh leh{kk] mihkksdrk f'k{kk] avf/kdkfjd eku;rk iz.kkyh tslh dk;ziz.kkyh vksj ches ds iz;kstu ls vlirkyksa ds Js.khdj.k vksj oxhzdj.k ds ekudksa ij fopkj fd;k tkuk gsa ;g lq>ko fn;k x;k Fkk fd iznkrk dks izr;sd Vhih, dh LVs'kujh LVkWd djus dh t:jr dk dk fujkdj.k djrs gq,] lelr Vhih, ds mi;ksx ds fy,,d leku iwoz izkf/kdkj izi= dks fodflr fd;k tk,a ns[khkky dh xq.koùkk lq/kkjus vksj lewg }kjk fpfdrldh; ekxznf'kzdkvksa ds fodkl esa LVsMjtkbTM VªhVesUV xkbmykbul ¼,lVhth½] ¼ekudhdj.k mipkj ekxznf'kzdk, ½ lgk;d gks ldrh gsa ;g eglwl fd;k x;k fd vkãlhmh 10 ds blrseky dks c<+kus ds fy, dqn y?kq vof/k vksj nh?kz vof/k ds mik;ksa dh :ijs[kk cukuh gksxha lewg us flqkfj'k dh fd izf'k{k.k v/kkslajpuk] ekm~;wyl vksj vkãlhmh&10 esa dksj izf'k{kd dks rs;kj djus dh t:jr gs A is;j LVs.MMZ~l lewg us izeq[k izfø;kvksa vksj 'kcnkoyh ds ekudhdj.k dh dk;ziz.kkyh lq>kus ij tksj fn;k tks ikwfylhxr 'kcnksa] chekadu vksj nkok izfø;kvksa dk lapkyu djrs gsaa lewg us flqkfj'k dh fd ;g lqfuf'pr fd;k tkuk pkfg, fd xzkgdksa dk nkos dh volfkk ij chek ugha fd;k tk,] lhkh LokLF; chek O;olk; dk chekadu ikwfylh ysus ds le; bl rjhds ls gksuk pkfg, tks ewy;xr dk;zikwfylh vksj chek daiuh ds tksf[ke {kerk ds vuq:i gksa izr;sd daiuh dks,d vkurfjd chekadu ikwfylh dh dk;ziz.kkyh fufnz"v djuk gksxha bl ikwfylhxr dk;ziz.kkyh esa daiuh dk lexz tksf[ke n'kzu Li"V iznf'kzr gksuk pkfg, vksj ;g izr;sd chek daiuh ds cksmz }kjk vuqeksfnr gksuk pkfg,a chekadu ikwfylh dks,d chekadu iqflrdk esa ntz gksuk pkfg, ftls izr;sd u;s mrikn dh izlrqfr ij v ru fd;k tkuk pkfg, & vksj bls,d lkeku; QkbZy vksj izfø;k ds vax ds :i esa 'kkfey fd;k tkuk pkfg,a,d lokszrre chekadu lajpuk esa lgk;rk iznku djus ds fy,,d l'kdr chekadu izf'k{k.k dk;zikwfylh lajpuk fodflr djuk pkfg,a izr;sd chekdrkz dks nkok izfø;k esa ikjnf'kzrk ykus ds fy,,d lokszùke nkok izca/ku lajpuk ykxw djuk pkfg,a turk dks ^^VuZ vjkm.m VkbZe*^ ¼Vh,Vh½ & dk;z djus ds fy, vko';d le; & ij tkudkjh miyc?k djkuk pkfg, vksj vkãvkjmh, dks bl ij utj j[kuh pkfg,a izr;sd chek daiuh dks,d nkok iqflrdk rs;kj djuk gksxh ftlesa daiuh dh nkok izfø;k ds lkfk lkfk nkoksa dh izfø;k vksj izr;sd mrikn ij izca/ku ekxznf'kzdk dk o.kzu gksxka lkeku; rksj ij mi;ksx esa vkus okys lelr LokLF; ches laca/kh lelr 'kcnksa dks xzkgd dks Hksts tkus okys ikwfylh fdv esa lk/ kkj.k O;olkf;d vaxzsth esa O;Dr fd;k tkuk pkfg,a bugsa fooj.kkred izd`fr dk gksuk pkfg, & buls chek daiuh dh fof/kd flfkfr esa ifjorzu ugha vkuk pkfg,a chekdrkzvksa ds ikl fuos'k lwph Lrj ij tksf[ke iquewzy;kafdr djus dh Lora=rk gksuh pkfg,a iquewzy;kadu dks ikwfylh;ksa dh,d Js.kh ds fy, vuqer gksuk pkfg, vksj fdlh os;fdrd ikwfylh Lrj ds fy, ughaa lewg us HkqxrkudrkZ vksj iznkrkvksa ds chp,dhdj.k vksj laokn ij vfrfjdr tksj nsus dh flqkfj'k dh gsa ^^oguh;rk izdvhdj.k** ds ek/;e ls xzkgd ds fy, ykhkksa dh oguh;rk dh ikjnf'kzrk dks ikwfylh ds fu;e rfkk 'krksz ds,d Hkkx ds :i esa lfeefyr fd;k tkuk pkfg,a mihkksdrk f'k{kk rfkk LokLF; chek tkx:drk ds izfr lkeatl;rk ykus ds mn~ns'; ls laokn rfkk tkx:drk lewg LFkkfir fd;k x;ka lewg us luns'k izkirdrkz vksj cktkj dh izd`fr ds vk/kkj ij cgq tkx:d luns'kks a dks rs;kj djus dh flqkfj'k dha laokn ds izeq[k mn~ns';ksa dks Li"V fd;k tkuk pkfg, fd LokLF; chek D;k gs vksj ;g fdl rjg dk;z djrk gsa mn~ns'; tksf[ke lewgksa] lgh mrikn fdl rjg pquk tkuk gs] bl laca/k esa mihkksdrk dks f'k{kk iznku djus] LokLF; ches 44

285 okf kzd fjiksvz 2007&08 dh,d ldkjkred Nfo cukus vksj LokLF; vkinkvksa esa lqj{kk iznku djus dh bldh Hkwfedk] ds ykhkksa ij Li"Vrk iznku djus vksj izeq[k fu;e rfkk 'krksz vksj LokLF; chek fdl {ks= esa lqj{kk iznku djrk gs vksj D;k ugha] blds fooj.k rfkk mihkksdrkvksa dks f'kdk;rksa ds lek/kku dh izfø;k ds laca/k es a mugs a f'kf{kr djuk gksaxsa lewg us,d lewg ds xbu dh flqkfj'k Hkh dh tks,d LFkk;h vfhk;ku izkjahk djs vksj mls pyk, rfkk {ks=h; ehfm;k] lekpkj ehfm;k] dk;zøekred ;k fqye izeks'ku vksj cm++h gflr;ksa dh eku;rk okys vfhk;ku tsls ek/;eksa dk mi;ksx dj ldsa 2007 ds nksjku] QsMjs'ku vkwq bf.m;u pseclz vkwq dkwelz,.m b.mlvªh ¼fQDdh½ us Hkh LokLF; cheksa dh nh?kz'khyrk ij,d fnolh; dk;z'kkyk vk;ksftr dha vkãvkjmh, ds v/;{k us vius izeq[k mn~cks/ku esa lq>k;k fd chekdrkzvksa vksj iznkrkvksa dks LokLF; ches esa LFkkf;Ro ykus ds izfr la;qdr :i ls iz;kl djus pkfg,] ftlds QyLo:i LokLF; chek ij,d fqddh mi lfefr dk xbu gqvk ftls vkãvkjmh, dk lfø; lg;ksx izkir gsa mi&lfefr dks chekdrkzvksa vksj iznkrkvksa ls leku :i ls lg;ksx izkir gks jgk gs rfkk orzeku esa ;g vlirky esa HkrhZ gksus ls lacaf/kr dkj.kksa ds fy, ns[khkky ds ekudksa dks fodflr djus ds fy, dk;z dj jgh gs ftlls fudv le; esa vlirky lsokvksa vksj LokLF; ches ds csgrj ewy;ksa dks izkir gksus esa lgk;rk izkir gksxha LokLF; ches esa LFkkf;Ro ykus gsrq vlirkyksa vksj chek daifu;ksa dks muds lkeqfgd iz;klksa esa mi lfefr,d eap dk dk;z Hkh dj jgh gsa bl dk;z lewgksa vksj mi lewgksa dh flqkfj'ksa O;kid gs vksj buesa LokLF; chek ds fofhkuu igyqvksa dk lekos'k gsa fof'k"v flqkfj'kksa dk,d pj.kc) fø;kuo;u ftlesa os flqkfj'k Hkh 'kkfey gs tks LokLF; chek dks yksdfiz; cukus esa] oguh; ewy;ksa ij LokLF; chek dks iznku djus vksj LokLF; lwpuk iz.kkyh dks fodflr djus esa lgk;d gsa] ;g LokLF; chek vfkz&o;olfkk dh izxfr esa lg;ksx iznku djsxk tks mihkksdrkvksa vksj m ksx lhkh ds fy, fgrdj gsa 45

286 okf kzd fjiksvz 2007&08 vlirky dk nsfud udn equkqk vksj vlirky esa chekjh ds Qk;ns okys mriknksa esa {kfriwfrz mriknksa dh fofo/krk Hkh tqm+ xbz gs ftugks aus vc rd cktkj ij izhkqro tek j[kk gsa ofj"b ukxfjdksa ds fy,] dqn fof'k"v jksxksa tsls e/kqesg vksj dsalj ds fy, dqn mriknksa dks fpfugr fd;k x;k gsa fupyh lkekftd&vkffkzd lewgksa ds fy,] cká j xh lqj{kk vksj os tks iwoz esa fo eku jksxksa ds fy, lqj{kk iznku djrs gsa] miyc/k gs ftuesa ls vc rd dksbz Hkh miyc/k ugha FksA izxfr'khyrk dh ;g jrkj LFkkf;Ro ds lkfk c<++ jgh gsa gky gh ds o"kksz esa vu; lfefr;ksa us ftugksaus LokLF; chek ds fofhkuu igyqvksa dk v/;;u fd;k Fkk] muesa 'kkfey gs xzkeh.k LokLF; chek ij lfefr;k vksj laln dh lalnh; ekeyksa dh lfefra vizsy 2007 esa] vkãvkjmh, us ofj"b ukxfjdksa ds fy, LokLF; chek ij,d lfefr fu;qdr dh tks mu lel;kvksa ij xksj djsxh vksj viuh flqkfj'ksa is'k djsxh ftudk lkeuk LokLF; chek izkir djus ds fy, ofj"b ukxfjd djrs gsa lfefr us uoacj 2007 esa viuh fjiksvz izlrqr dh vksj vusd flqkfj'ksa dh] ftuesa ls dqn ij ljdkj dks vksj dqn ij vkãvkjmh, dks dk;zokgh djuk gsa buesa ls vusd flqkfj'ksa izkf/kdj.k }kjk Lohd`r dj yh xbz gs vksj bu ij fø;kuo;u dh dk;zokgh dh xbz gs vkãvkjmh, us vks ksfxd {ks=ksa ds lkfk feydj LokLF; chek ls lac) {ks=ks a ij Hkh dk;z fd;k gsa izfke lhvkãvkã LokLF; chek leesyu eqecbz es a 5 vdvwcj] 2007 dks leiuu gqvka vkãvkjmh, us Hkkjrh; m ksx la?k }kjk 4 dk;zdkjh lewgksa ds xbu esa lg;ksx fn;k ftlus LokLF; chek ds fof'k"v {ks=ksa] tsls vkadm+k ekudhdj.k] iznkrk ekud] vnkrk dk ekudhdj.k vksj LokLF; chek ij tkx:drk ij fopkj foe'kz fd;ka bu lewgks a us viuh flqkfj'ksa vizsy] 2008 esa izlrqr dha LokLF; chek ds LFkkf;Ro ij fqddh dh dk;z'kkyk fnyyh esa 29 uoacj] 2007 dks leiuu gqbza vkãvkjmh, us QsMjs'ku vkwq bf.m;u pseclz vkwq dkwelz,.m b.mlvªh dh,d milfefr esa Hkh izfrhkkfxrk dh tks LokLF; chek ds LFkkf;Ro ls lac) eqn~nksa ij fopkj foe'kz dj jgh gsa lk/kkj.k chek us ^^iwoz fo eku jksxksa*^ dh,d leku ifjhkk"kk ds ekudhdj.k vksj bu 'kcnksa dks gvkus gsrq dm+ s iz;kl fd, gsa vksj ;s 1 twu] 2008 ls izhkkoh gks x;k gsa,slh vk'kk dh tkrh gs fd 'kcnkoyh dk,slk ekudhdj.k vf/kd Li"Vrk ls vksj ikwfylh ds 'kcnksa esa U;wure vli"vrk ls chfer O;fDr;ksa dks lgk;rk feysxh vksj chfer O;fDr;ksa dks miyc/k LokLF; chek mriknksa ls rqyuk esa enn feysxha 2007&08 ds nksjku] vkãvkjmh, us izkf/kdj.k esa fo'ks"kkksa ds lkfk,d i`fkd LokLF; vuqhkkx Hkh LFkkfir fd;k gs vksj fo eku lalk/kuksa esa o`f) dh ;kstuk Hkh cuk jgk gsa r`rh; i{k iz'kkld r`rh; i{k iz'kkld ¼Vhih,&FkMZ ikvhz,mfefulvªsvlz½ dh o`f)] O;olk; dh la[;k vksj ifjek.k] nksukas gh vuqikr esa gqbz gsa 2007&08 ds nksjku] nks vksj daifu;ks a dks Vhih, ds :i es a dk;z djus dk ykblsul fn;k x;k gsa,d daiuh] MkWu lfozlsl izkfy- us ykblsul ds uohuhdj.k ds fy, vkosnu ugha fd;ka blds vfrfjdr] Vhih, us vius dk;z {ks= dk folrkj fd;k gs vksj mu yksxks a dks 'kkfey fd;k gs tks vkãlhmh&10 es a izf'kf{kr gs rkfd LokLF; chek vkadm+ksa ds fo'ys"k.k esa lqfo/kk gks ldsa blds vfrfjdr ns'k ds fofhkuu fgllksa esa nkoksa dh ds'kysl lsvyesuv ds fy, dqn vlirkyksa dks Vhih, usvodz esa tksm+k x;k gsa ;g Lokxr dk ladsr ;g n'kkzrk gs fd LokLF; chek ikwfylh /kkjd ns'k Hkj esa vusd vlirkyksa esa ds'kysl mipkj izkir dj ldrs gsa fueufyf[kr rkfydk Vhih, dh <+kapkred lqfo/kkvksa ij izdk'k Mkyrh gs% Ok"kZ 2007&08 ds nksjku] Vhih, us nkos izkir fd,] tks 2006&07 es a izkir fd, x, ls 7-96 izfr'kr vf/kd FksA Vhih, us,d ekg dh vof/k ds Hkhrj izfr'kr nkoksa dk fuivku dj fn;ka cdk;k nkoksa esa Hkh lq/kkj vk;k gs D;ksafd dqy nkoksa ds izfr'kr ds :i esa cdk;k nkoksa dk izfr'kr 2006&07 ds 8-53 ls fxj dj 2007&08 esa 7-89 gks x;k gsa fueufyf[kr rkfydk Vhih, }kjk nkoksa ds fuivku esa fy;k x;k le; n'kkzrh gsa vi) xzkeh.k rfkk lkekftd {ks= esa O;olk; izkf/kdj.k us xzkeh.k vksj lkekftd {ks=ksa esa chekdrkzvksa ds nkf;ro ij fu;e cuk, gsaa,sls nkf;ro dks okf"kzd vk/kkj ij iwjk fd;k tkuk t:jh gsa bu fu;eksa ds vurxzr chekdrkzvksa dks muds lapkyu ds o"kkzjahk esa O;olk; vafdr djuk gksrk gsa bu nkf;roksa dks iwjk djus ds fy,] fu;eksa esa vkxs ;g izko/kku gs fd ;fn,d ba';ksjsal daiuh foùkh; o"kz ds nwljs v)zhkkx esa lapkyu izkjahk djrh gs vksj lac) foùkh; o"kz dh 31 ekpz dks N% ekg ls de vof/k ds fy, lapkyu esa gs] ¼1½ dffkr vof/ k ds fy, dksbz xzkeh.k ;k lkekftd nkf;ro ykxw ugha gks axs vksj ¼2½ okf"kzd nkf;ro tsls fd fu;eksa esa n'kkz;s x, gs 46

287 okf kzd fjiksvz 2007&08 rkfydk 39 Vhih, ¼vk/kkjHwkr½ Ø Lak Vhih, dk uke usvodz esa tksm+s dk;zy; dh x, vlirky [kksyh xbz 'kk[kk, fo'ks"kk lfgr tksm+h xbz ekuo 'kfdr 1 esmh,lhlv bf.m;k izk- fy- 1, ,eMh bf.m;k gsyfkds;j lfozlsl ¼izk½ fy isjkekmuv gsyfk lfozlst gsjhvst gsyfk Vhih, izk-fy esfmds;j Vhih, lfozlst ¼vk;½ izk-fy Qsfeyh gsyfk Iyku - (2) (164) 7 j{kk Vhih, izk-fy VhVhds gsyfkds;j lfozlst fy blv oslv vlhlv izk-fy esm lso gsyfk ds;j fy tsfuul bf.m;k fy ,yufdV gsyfkds;j 1, gsyfk bf.m;k Vhih, lfozlst izk-fy xqm gsyfk Iyku fy- 2, foiqy esmøki izk- fy ikdz esmhdyse dulyvsuv~l izk-fy jksfk'khym gsyfkds;j ¼Vhih,½ lfozlst fy ;ksx 12, ,061 rkfydk 40 r`rh; i{k iz'kkld & nkoksa laca/kh vkadm+s izkir fd,,d ekg 1&3 ekg 3&6 ekg 6 ekg ls cdk;k nkos nkos ds Hkhrj ds Hkhrj ds Hkhrj vf/kd (76.44) (19.96) (2.43) (0.56) (8.53) (76.17) (15.24) (2.46) (0.64) (7.89) uksv % dks"bd esa n'kkzbz x;h la[;k dqy izkir nkoksa esa ls lqy>k, x, nkoksa dk vuqikr ¼izfr'kr esa½ esa n'kkzrh gsa 47

288 okf kzd fjiksvz 2007&08 vxys foùkh; o"kz ls izkjahk gksaxsa ftls vuqikyu ds fy, lapkyu dk izfke o"kz le>k tk,xka,sls ekeyksa esa] tgka,d ba';ksjsal daiuh foùkh; o"kz ds izfke v)zhkkx esa lapkyu izkjahk djrh gs rks izfke o"kz esa ykxw gksus okys nkf;ro bu fu;eksa esa fufnz"v nkf;roksa ds 50 izfr'kr gksaxsaa thou chekdrkzvksa ds nkf;ro% d½ xzkeh.k {ks= ds nkf;ro %,yvkãlh lfgr lelr 18 thou chekdrkzvksa us xzkeh.k {ks=ksa ds vius nkf;ro iwjs fd, gsaa o"kz 2007&08 esa chfer dqy ikwfylh;ksa ds izfr'kr ds :i esa xzkeh.k {ks= esa muds }kjk chfer ikwfylh;k dh la[;k mu ij ykxw nkf;roksa ds vuq:i FkhA 2007&08 ds fy, xzkeh.k {ks= esa,yvkãlh ikwfylh;k fu/kkzfjr 24 izfr'kr ls vf/kd FkhA ½ lkekftd {ks= ds nkf;ro % 2007&08 ds nksjku lelr vbkjg thou chek daifu;ksa us lkekftd {ks= ds nkf;ro iwjs fd, gsaa lkekftd {ks= esa muds }kjk lqj{kk iznku fd, x, thou fufnz"v nkf;roksa ls vf/kd FksA o"kz 2007&08 ds fy, vius lkekftd {ks= ds nkf;roksa ds lkfk],yvkãlh us fu/kkzfjr yk[k thouksa ls vf/kd thouksa dks chfer fd;ka xsj&thou chekdrkzvksa ds nkf;ro% d½ xzkeh.k {ks= ds nkf;ro% ckjg futh {ks= ds xsj&thou chekdrkzvksa esa ls VkVk&,vkÃth rfkk bdks&vksfd;ks dks NksM+ dj 'ks"k lhkh us 2007&08 ds fy, xzkeh.k {ks= ds nkf;roksa dh iwfrz dj yha dffkr {ks= esa] 2007&08 esa chfer dqy izhfe;e ds izfr'kr ds :i esa] muds }kjk chfer dqy izr;{k izhfe;e fu/kkzfjr 'krksza ls vf/kd FkhA 2007&08 ds fy, lkoztfud {ks= ds pkj chekdrkzvksa esa ls rhu us xzkeh.k {ks= ds vius nkf;roksa dh iwfrz dh vksj vksfj,avy ba';ksjsal daiuh fyfevsm us nkf;ro dh iwfrz ugha dha lkoztfud {ks= ds chekdrkzvksa ds laca/k esa] muds nkf;ro ys[kk o"kz 2007&08 esa muds }kjk laikfnr O;olk; ds ifjek.k ds 6 izfr'kr gsaa ½ lkekftd {ks= ds nkf;ro% futh {ks= ds xsj&thou chekdrkzvksa esa],pmh,qlh pcc dks N M+ dj lhkh daifu;ksa us 2007&08 ds fy, vius nkf;roksa dh iwfrz dj yha lkekftd {ks= esa muds }kjk chfer fd, x, thou fu;ked 'krksza ls vf/kd FksA tcfd nks lkoztfud {ks= ds chekdrkzvksa] cuke ;wukbzvsm bf.m;k vksj vksfj,avy ba';ksjsal us 2007&08 ds fy, lkekftd {ks= ds nkf;roksa dh iwfrz dh] ogha U;w bf.m;k vksj us'kuy ba';ksjsal bl {ks= esa fu/kkzfjr 'krksz ds vuqlkj vuqikyu ugha dj ldsa lkoztfud {ks= ds chekdrkzvksa ds laca/k esa foùkh; o"kz 2007&08 ds fy, muds nkf;ro lkekftd {ks= esa lacaf/kr chekdrkz }kjk foùkh; o"kz 2002&03 ls 2004&05 ;k 5-50 yk[k] tks Hkh vf/ kd gks esa chfer thouksa dh la[;k dk vkslr jgsa foùkh; izfrosnu rfkk chekafdd ekud foùkh; izfrosnu foùkh; fooj.kksa esa ikjnf'kzrk rfkk izdvhdj.k esa lq/kkj ykus ds fy, izkf/kdj.k ds }kjk fd, tk jgs mik;% 1 izkf/kdj.k ds ikl okf"kzd vk/kkj ij izlrqr fd, x, foùkh; fooj.kks a dh leh{kk ds,d Hkkx ds :i es a vksj fo'ys"k.k ds vk/ kkj ij] Li"Vhdj.k izkir fd, tkrs gsa vksj@;k vuqikyu ugha gksus ;k tkudkjh izlrqr ugha djus dh fofhkuu ifjflfkfr;ksa ij /;ku vkdf"kzr fd;k tkrk gsa tcfd fof'k"v vuqikyu ugha djus@fopyuksa ds ckjs esa lac) chekdrkz dks lwfpr fd;k tkrk gs] foùkh; fooj.k rs;kj djus ds laca/k esa dqn fofhkuu fu;ked vko';drkvksa ds vuqikyu esa dqn dfe;k ik;h xbza vuqikyu ugha gksuk vksj voyksfdr dfe;ksa ds nksckjk ugha gksuk lqfuf'pr djus dh n`f"v ls] izkf/kdj.k us fu.kz; fy;k fd iwoz voljks a ij tkjh Li"Vhdj.kksa dks chekdrkzvksa ds ekxzn'kzu ds fy,,d O;kid ifji= ds ek/;e ls nksgjk;k tk,a 2 fnlacj] 2007 ls izhkkoh] lhkh chekdrkzvksa dks vkãvkjmh, ds ikl =Sekfld foùkh; fooj.k izlrqr djus dh lykg nh xbz gsa bu fooj.kksa esa 'kkfey gs] rqyu i=%] jktlo ys[kk ¼ikWfylh/ kkjd dk ys[kk½ vksj ykhk,oa gkfu [kkrk ¼va'k/kkjd dk [kkrk½a 48

289 a a okf kzd fjiksvz 2007&08 ¼d½ fu;qdr chekadd iz.kkyh izeq[k {ks=ks a es a ls,d ftl ij chekaddks a dk /;ku tkrk gs] og gs chek daifu;ksa esa foùkh; tksf[keksa dk vkadyu rkfd muds }kjk csps x, mriknksa ls foùkh; tksf[ke esa o`f) ugha gksa bl lunhkz esa os ;g lqfuf'pr djrs gsa fd gj le; daiuh dh _.k'kks/ku {kerk cuh jgsaa izkf/kdj.k us o"kz 2000 esa fu;qdr chekadd dh iz.kkyh ¼,,½ izpfyr dha 2003&04 ds nksjku] izkf/kdj.k us chek vf/kfu;e] 1938 ds izko/kkuksa ds fy,,d chekadd dks ifjhkkf"kr djrs gq, ^^chekadd dh ;ksx;rk** fu;e vf/klwfpr fd,a izkf/kdkj.k ds }kjk,d fu;qdr chekadd ¼,,½ ds vf/kdkj vksj drzo;ksa dks fu;eksa ds vurxzr fufnz"v fd;k x;k gsa,d xsj&thou chekdrkz ds ekeys esa],, dks bu&gkml xsj&vsfjq mriknksa vksj budmz cv ukv fjiksvzsm ¼vkÃch,uvkj½ fjtoz ds fy, njsa izekf.kr djuk gksrk gs ftugsa foùkh; fooj.k esa ^^cdk;k nkoksa** ds vurxzr n'kkz;k tkrk gsa chek daifu;ksa esa _.k'kks/ku {kerk dh miyc/krk dk fo'ys"k.k djus ds nksjku] chekaddksa ds }kjk rs;kj fd, x, mùkjnkf;ro ds vuqekuksa esa,d:irk vksj LFkkf;Ro lqfuf'pr djus ds fy, viuk;h tkus okyh,d fof/k gs] ofj"bksa dh leh{kk iz.kkyha leh{kk lfefr izkf/kdj.k us fu.kz; fy;k gs fd izkf/kdj.k dks izlrqr fd, tkus okys chekadd izfrosnu rfkk chek vf/kfu;e] 1938 dh /kkjk 13 ds vurxzr vko';d la{ksi dh leh{kk ds fy,,d leh{kk lfefr dk xbu fd;k tk,a izkf/kdj.k us o"kz 2008 ds fy,,d ubz chekadd leh{kk lfefr dk xbu fd;k gsa ¼ ½ chekadu ds ekud,dpqfj;y lkslk;vh vkwq bf.m;k ¼,,lvký us ^^fu;qdr chekadd vksj thou chek** ij izfke ekxzn'kzu uksv ¼th,u&1 xkbmsul uksv½ tkjh dj fn;k gsa,,lvkã us lk/kkj.k chekdrkzvks ds fu;qdr chekaddksa ds fy, th,u&21 tkjh fd;ka Qly chek orzeku esa] jk"vªh; d`f"k chek ;kstuk ¼,u,vkÃ,l½ lhkh d`"kdksa esa ls dksbz 17 izfr'kr vksj Qly {ks= ds 20 izfr'kr dks doj djrh gsa ljdkj jkt;ks a dks c<+ +kok nsdj Qly chek ds vurxzr vf/kd ls vf/kd Qlysa ykus ds fy, fuos'k es a o`f) ds iz;kl dj jgh gsa ljdkj us csadksa dks Hkh,u,vkÃ,l ds vurxzr lelr Qly _.kksa dks chfer djus ds funszf'kr fd, gsaa 11oha ;kstuk vof/k ds izkjahk esa ;kstuk vk;ksx esa LFkkfir dk;zdkjh lewg dk 2011&12 rd 40 izfr'kr Qly {ks= dks Qly chek ds vurxzr ykus dk izlrko gsa,u,vkã,l esa lq/kkj ykus ds dqn izlrko ljdkj ds ikl gsa] tks ;fn ljdkj }kjk Lohd`r gks tkrs gsa rks Qly chek esa fuos'k esa o`f) gksxha dqn izlrko gsa% 1 izeq[k Qlyksa ds fy, chek bdkbz dks xzke iapk;r yk;k tk,a 2 X;kjaVsM isnkokj dks nh?kz dky ds vkslr ij vk/kkfjr fd;k tk,a 3 cqvkbz iwoz vksj dvkbz i'pkr~ g us okyh tksf[keksa ds fy, lqj{kka 4 eksle lwpdkad] Qly LokLF; lwpdkad br;kfn dk blrseky djrs gq, eksle ds nksjku eqvkots dk [kkrs esa HkqxrkuA 5 LFkkuh; tksf[keksa tsls vksyk o`f"v] Hkw&L[kyu br;kfn ds ekeyksa esa nkoksa dk os;fdrd [ksr vkadyua 6 izhfe;e es a ljdkj ls vfxze vuqnku ds lkfk,u,vkã,l dks ^^chekadd fu;a=.k** esa ykuka 7 Qly chek f'k{kk rfkk tkx:drk ij dsfunzr c<++rs iz;kla Qly chek esa mixzg ls izkir Nfo;ksa dk mi; x% nwjlfk laosnu rduhd ds egùo dks le>rs gq,] Hkkjrh; d`f"k chek daiuh fyfevsm ¼,vkÃlh&,xzhdYPkj ba';ksjsal daiuh vkwq bf.m;k fyfevsm½ us Qly chek esa mixzg ls izkir Nfo;ksa ds blrseky ij dqn izk;ksfxd v/;;u vk;ksftr fd,a bl iz;ksxksa es a 'kkfey gs% ¼1½ fofhkuu Qlyks a ds vurxzr Qly ds jdcs dk vuqeku yxkuk] ¼2½ nckc dk igpku rfkk Qly ds LokLF; ds ckjs es a izfrosnu] vksj ¼3½ chek bdkbz Lrj ij chfer Qlyks ds fy, isnkokj ds vuqeku,d= djuka mixzg ls izkir Nfo;ksa ds lkfk dqn lel;kvksa ds ckotwn] fudv Hkfo"; esa Cykd@rglhy Lrj ij Qlyksa ds isnkokj ds vuqeku yxkus es a mixzg ls izkir Nfo;ks a dk iz;ksx lahko gks ldsxk] ftlls,d vksj Qly chek ds nkoksa dk Rofjr fuivku lahko gksxk] vksj nwljh vksj Qlyksa dh isnkokj ds vuqeku esa ekuoh; glr{ksi de ls de gksxka 49

290 okf kzd fjiksvz 2007&08 eksle chek% jk"vªh; d`f"k chek ;kstuk ¼,u,vkÃ,l½ ds fodyi ds :i esa dqn jkt;ksa esa izk;ksfxd vk/kkj ij bu izfr:iksa dh etcwrh vksj detksfj;ksa ds vkadyu ds fy, ljdkj Qly vk/kkfjr d`f"k chek dj jgh gsa,u,vkã,l ds fodyi ds :i esa izk;ksfxd vk/kkj ij eksle ¼o"kkZ½ vk/kkfjr d`f"k chek [kjhq 2007 ds eksle es a dukzvd es a ykxw fd;k x;k Fkk vksj blds ckn jch ds eksle esa fcgkj] NÙkhlx<++] e/;izns'k vksj jktlfkku esaa [kjhq 2008 ds eksle esa ;g iz;ksx lkr vksj jkt;ksa ¼fcgkj] >kj[k.m] dukzvd] e/;izns'k] egkjk"vª] mm+hlk vksj jktlfkku½ esa folrkfjr fd;k x;ka [kjhq 2008 ds eksle esa gfj;k.kk vksj iatkc es a Hkh,d&,d rglhy esa izk;ksfxd eksle chek fd;k x;ka rfeyukmq Hkh dqn ftyksa esa ;g iz;ksx djus tk jgk gsa eksle dsunzks a ¼de ls de izfr CykWd,d dsunz½ esa o"kkz dk vpnk?kuro vksj oklrfod le; vk/kkj ij o"kkz ds vkadm+s eksle chek ds fy, cgqr egroiw.kz gsa orzeku esa] vkã,emh dk usvodz vf/kdrj ftyk eq[;ky; rd lhfer gs vksj ckfj'k ds vf/kdrj dsunzksa ij eksle chek ds folrkkj ij vm+axs yxkdj gkfkksa ls gh lapkyu fd;k tkrk gsa gkaykfd] gky gh esa vkã,emh us o"kkz ds LFkkuksa ds usvodz dks Lopfyr djus vksj folrkfjr djus dk fu.kz; fy;k gs] vksj rn~uqlkj] fudv Hkfo"; esa djhc 550 Lopfyr o"kkz okys dsunz vksj 1350 Lopkfyr o"kkz xst LFkkfir gksus dh lahkkouk gsa vk'kk gs fd bl folrkj vksj Lopkfydj.k ls eksle chek ds folrkj ds iz;klksa dks etcwrh feysxha ;g tkuuk egroiw.kz gs fd O;kogkfjd ^lhkh&tksf[ke* okys,u,vkã,l dh rqyuk esa lhkh jkt; eksle chek dh mi;ksfxrk ls lger ugha gsa,d,slk n`f"vdks.k gs fd eksle chek dks bdyksrs chek ds :i es a c<+ +kok nsus ds LFkku ij,u,vkã,l ds lkfk ^eksle lwpdkad* dks tksm+uk,d csgrj fodyi gks ldrk gsa,u,vkã,l dh izeq[k dfe gs nkoksa ds fujkd`r gksus es a yxus okyk foyac] vksj bldk lek/kku ^eksle lwpdkad* ds vk/kkj ij,d Rofjr ^Hkqxrku* vksj isnkokj ds lwpdkad ds vk/kkj ij vfure Hkqxrku nsdj fd;k tk ldrk gsa bl izdkj],d dkjxj Qly chek iznku djus ds fy, ^isnkokj lwpdkad* vksj ^o"kkz lwpdkad* vk/kkfjr chek lqyrkiwozd izkir fd;k tk ldrk gsa lw{e&chek thou chek {ks= lw{e&chek fuos'k us o"kz esa LFkk;h izxfr dh gsa vksj vf/kd thou chekdrkzvksa us leh{kk o"kz esa vius lw{e&chek O;olk; izkjahk fd, gsa vksj vusd u;s mrikn izlrqr gq, gsaa vk/kkjhkwr lajpuk forj.k Hkh fopkj.kh; :i ls l'kdr gqbz gs vksj uohu O;olk; us,d vpnh izxfr n'kkz;h gs] gkaykfd jkf'k vhkh Hkh NksVh gsaa rkfydk &08 ds fy, lw{e&chek i VZQ fy; ds vurxzr uohu O;olk; ¼izhfe;e yk[k #i, esa½ os;fdrd lewg chekdrkz IkkWfylh;k izhfe;e ;kstuk, thou ftu ij lqj{kk nh xbz izhfe;e futh ;ksx ,yvkÃlh,yvkÃlh m ksx ;ksx uksv% uohu O;olk; ds izhfe;e esa izfke o"kz dh izhfe;e rfkk,dy izhfe;e lfeefyr gsa 50

291 a a okf kzd fjiksvz 2007&08 lw{e&chek O;olk; dk,d cm+k izfr'kr lewg fuos'k ds vurxzr izkir gqvka tcfd o"kz esa vftzr os;fdrd uohu O;olk; 9-38 yk[k ikwfylh;ksa ij # djksm++ jgk] lewg O;olk; 1-22 djksm++ thouksa ij # djksm++ jgka bl fuos'klwph esa vf/kdrj vftzr O;olk;,yvkÃlh dk Fkk ftlesa 8-54 yk[k thouksa ls # djksm++ dh os;fdrd izhfe;e vksj 1-14 djksm++ thouksa ls # djksm++ dh lewg izhfe;e FkhA foùkh; o"kz ds vur rd lw{e chek vfhkdrkzvksa dh la[;k 4584 jgh ftlesa ls 4166 dsoy,yvkãlh ds gh FksA uks thou chekdrkzvksa us vc rd 26 lw{e&chek mrikn izlrqr fd, gsa ftlesa ls 13 os;fdrd mrikn gs vksj cps gq, 13 lewg lw{e mrikn gsaa rkfydk 42 lw{e&chek vfhkdrkz & thou chekdrkz chekdrkz 1 vizsy vkf/kd; foyksiu 31 ekpz] 2007 dks 2008 dks futh ,yvkÃlh ;ksx rkfydk 43 lw{e chek iksvzqksfy;ks ds rgr lkewfgd e`r;q nkos&2007&08 ¼ykHk jkf'k yk[k #- esa½ dqy ns; nkos Hkqxrku fd, x, nkos fujlr nkos o"kz ds var es yafcr nkos thou a dh la[;k YkkHk dh thou a dh la[;k YkkHk dh thou a dh la[;k YkkHk dhthou a dh la[;k YkkHk dh futh la[;k la[;k la[;k la[;k (96.92) (97.04) (2.13) (1.92) (0.95) (1.04),yvkÃlh (99.99) (99.97) - - (0.01) (0.03) m ksx ;ksx (99.86) (99.91) (0.09) (0.04) (0.05) (0.05) rkfydk 44 lw{e chek iksvzqksfy;ks ds rgr os;fdrd e`r;q nkos&2007 & 08 ¼ykHk jkf'k yk[k #- esa½ dqy ns; nkos Hkqxrku fd, x, nkos fujlr nkos o"kz ds var es yafcr nkos thou a dh la[;k YkkHk dh thou a dh la[;k YkkHk dh thou a dh la[;k YkkHk dhthou a dh la[;k YkkHk dh la[;k la[;k la[;k la[;k futh (71.43) (70.78) (16.48) (17.60) (12.09) (11.62),yvkÃlh (97.17) (96.97) (0.31) (0.28) (2.52) (2.75) m ksx ;ksx (87.80) (88.38) (6.20) (5.96) (6.00) (5.66) 51

292 okf kzd fjiksvz 2007&08 izkf/kdj.k ds }kjk vkãvkjmh, ¼lw{e&chek½ fofu;e 2005 dh vf/klwpuk ds lkfk] fu/kzuksa dh t:jrksa dh iwfrz djus okys mriknksa dh ifjdyiuk esa LFkk;h o`f) gqbz gsa fu;eksa esa iznùk yphykiu chekdrkz dks isdst mriknksa ;k fefjr lqj{kk iznku djus dh lqfo/kk nsrk gsa blls lw{e&chek mrikn tsls izkf/ kdj.k ds vuqeksnu ls iwoz vuqeksfnr lk/kkj.k mrikn izlrqr djus okyh chek daifu;ks a es a izo`fùk tkx`r gqbz gs fd D;k mrikn ds fy, chfer /ku lw{e&chek ds fy, fu/kkzfjr lhekvksa ds Hkhrj gsa x½ izkf/kdj.k }kjk tkjh funsz'k] vkns'k rfkk fofu;e chek vfhkdrkz o"kz ds nksjku] 9 vdvwcj] 2007 dks fueufyf[kr fu;e vf/ klwfpr fd;k x;k% vkãvkjmh, ¼chek,tsUV dk vuqkfirdj.k½ ¼la'kks/ku½ fu;e] 2007 dkikszjsv,tsuv~l o"kz ds nksjku] 9 vdvwcj] 2007 dks fueufyf[kr fu;e vf/ klwfpr fd;k x;k % vkãvkjmh, ¼dkiksZjsV,tsUV dk vuqkfirdj.k ½ ¼la'kks/ku½ fu;e] 2007 blds ckn] chekdrkzvksa dks vfhkdrkz izf'k{k.k?k.vksa esa deh ds ckjs esa lwfpr djrs gq, 15 vdvwcj] 2007 dks & ifji= la[;k 42@vkÃvkjMh,@,tsUlh@vDVwcj@2007 tkjh gqvka izkf/kdj.k us 18 fnlacj] 2007 dks izkf/kdj.k us,d ifji= tkjh fd;k ftlesa crk;k x;k fd ifji= la[;k 021@vkÃvkjMh,@,Q,.M;w@flracj&06 fnukad 28 flracj] 2006 esa of.kzr lk/kkj.k chek mriknksa ds laca/k esa QkbZy vksj izfø;kvksa ds iz;ksx ij ekxznf'kzdk, tkjh jgsxh vksj chekdrkz os njsa vksj fu;e izlrqr djrs jgsaxsa tks os fofhkuu mriknkssa ds fy, izlrqr djuk pkgrs gsa ftuesa os mrikn Hkh 'kkfey gs ftu ij iwoz dh njs a ykxw gsaa lhbzvks us izkf/kdj.k dks vk'oklu fn;k fd ewy; fu;a=.k dks gvk fy;k tkus ij Hkh lhkh chekdrkzvksa ds }kjk chekadu vksj cktkj lapkyu ds mpp ekudksa dks cuk;s j[kk tk,xka bu vk'okluksa ds vk/kkj ij] izkf/kdj.k us fueufyf[kr fu.kz; fy;k% 1 eksvj r`rh; i{k tksf[keksa ds vfrfjdr] 1 tuojh] 2008 dks ;k blds ckn izhkkoh vu; lelr uohu cheksa rfkk uohdj.kks ds fy,] izkf/kdkjh dks tks nj vuqlwph vksj nj ekxznf'kzdk izlrqr dh xbz gs] muds vuqlkj chekdrkz izhfe;e njsa izlrqr djus ds fy, Loraa= gsa 2 eksvj r`rh; i{k tksf[keksa ds fy, izhfe;e njksa dk fu;ferhdj.k izkf/kdkjh }kjk fd;k tkrk jgsxka 3 ifji= la[;k 021@vkÃvkjMh,@,Q,.M;w@flracj&06 fnukad 28 flracj] 2006 ds vuqpnsn 19¼5½ ds vurxzr cm+s tksf[keksa ds :i esa vgzd tksf[keksa dks Bhd mugha chek njksa] fu;eksa rfkk 'krkasz ds vk/kkj ij chfer fd;k tk,xk tks njsa] fu;e br;kfn iquchzekdrkzvksa }kjk fcuk fdlh ifjorzu ds fodflr dh xbz gsa 4 chekdrkz izkf/kdkjh ds ikl njksa vksj nj ekxznf'kzdkvksa dh,d ubz vuqlwph izlrqr dj ldrs gs ;k iwoz esa gh izlrqr vuqlwph vksj nj ekxznf'kzdk dks cuk;s j[k ldrs gsaa 5 mriknksa vksj nj vuqlwfp;ksa rfkk nj ekxznf'kzdk rfkk fu;e iqflrdk dh izlrqfr ds laca/k esa ifji= la[;k 021@vkÃvkjMh,@,Q,.M;w@flracj&06 fnukad flracj 2006 dh vko';drk, le; le; ij gksus okys la'kks/ku ds vuqlkj jgsxha 6 izkf/kdj.k chekdrkz ds }kjk izlrqr dh tkus okyh nj vuqlwfp;ksa vksj nj ekxznf'kzdkvksa dks bu 'krksza ij Lohdkj djsxk fd os lac) funs'k e.my ds }kjk vuqeksfnr chekadu ikwfylh ds vuq:i gs vksj os bl rjg rs;kj dh xbz gs fd os,d izpkyu vuqikr ¼O;; fd, x, nkos /ku deh'ku rfkk izca/ku dk O;;½ mriuu djrh gs tks dqy chekadu vk/kkj ij 100 izfr'kr ls vf/kd ugha gsa ; fi] izkf/kdj.k ds ikl,slh fdlh Hkh nj vuqlwph vksj nj ekxznf'kzdk ij vius foosdkf/kdkj ds v/khu iwnrkn ;k ifjorzu dh ekax djus dk vf/kdkj lqjf{kr gsa 7 njksa esa dksbz Hkh la'kks/ku] chek dh uohdj.k frffk ij gh izhkkfor gksxk vksj chekdrkzvksa dks fo eku cheksa dks fujlr djus vksj la'kksf/kr njksa ij mugsa u;s cheksa ls izfrlfkkfir djus dh vuqefr ugha nh tk,xha gkaykfd] chek/kkjd dks viuk chek fujlr djus dk vf/kdkj gs ftl ekeys esa NksVh vof/k ds fy, ykxw gksus okyh izhfe;e olwyh tk,xha 52

293 okf kzd fjiksvz 2007&08 8 lqj{kk ds fu;e rfkk 'krsaz vksj ikwfylh;ksa] i`"bkadu] okjf.v;ksa rfkk iwoz njksa ij r; vuqpnsnksa dh 'kcnkofy;k ykxw jgsxh rc rd ykxw jgsaxh tc rd fofhkuu va'k/kkjdksa ds n`f"vdks.k ij fopkj djrs gq, ubz cktkj 'kcnkofy;kasa dks izkf/kdj.k }kjk ijhf{kr rfkk Lohd`r ugha dj fy;k tkrka lwpuk dk vf/kdkj vf/kfu;e] 2005 vkjvhvkã vf/kfu;e] 2005 dh /kkjk 19¼1½ ds vurxzr] o"kz 2007&08 ds nksjku] izkf/kdj.k us fueufyf[kr vf/kdkfj;ksa dks lkoztfud lwpuk vf/kdkfj;ksa ds :i esa fu;qdr fd;ka lkoztfud lwpuk lac) fo"k; vkosnu i=ksa dh la[;k vihy izkf/kdkjh ds }kjk çkf/kdj.k dk uke izkir vihyksa dh la[;k izkir vlohd`r LFkkukUrfjr 1. Jh izcks/k panj xsj &thou] fgunh] LokLF; chek] fof/kd 2. Jh ds lqczáe.;e chekadu] e/;lfkrk rfkk fujh{k.k 3. Jh duqusy izse thou chek Jherh osndqekjh vfhkdrkz izf'k{k.k lalfkku] dkwikszjsv,tsalh rfkk vu; ' "k foyafcr ekeys mä vf/kfu;e dh /kkjk 19 ds vurxzr Jh lh vkj eqjyh/kju] lnl; ¼,Q,.Mvký vihy izkf/kdkjh ds :i esa cus gq, gsa 53

294 okf kzd fjiksvz 2007&08 Hkkx II fdz;kvks aa a vksj Ápkyu dh leh{kk chek rfkk iquchzek daifu;ksa dk fofu;eu chek fu;ked vksj fodkl izkf/kdj.k ¼vkÃvkjMh,½ vf/kfu;e] 1999 dh /kkjk 14 esa funszf'kr dk;ksza dh eqfdr ds fy,] izkf/ kdj.k esa fooj.k-ii esa fn, x, fu;eksa dks fufnz"v fd;k x;ka fofu;ked <k ps bl rjg ds igyqvksa dks eksvs rksj ij doj djrk gs tsls fd izos'k Lrj dh vkko';drkvksa esa os yksx 'kkfey gsa ftudk laca/k iw th Hkqxrku] vksj mfpr izca/ku *Qkby vksj iz;ksx vko';drkvksa*] izkf/kdj.k dks fu;fer :Ik ls fjvuz nkf[ky djokuk vkfn ds lkfk gsa ;s chek vksj iquchzek O;kikj ds fodkl dh o`f) dks fu;fer] c<+ksrjh vksj lqfuf'pr djus ds fy, vius os kfud dk;z ckgj ys tkus esa izkf/kdj.k dh lgk;rk ds fy; ifjdyiuk dj jgs gsaa blds vykok] izkf/ kdj.k us Hkh dq'kyrkiwozd lapkyu djus ds fy, fofhkuu fn'kkvksa] fn'kk&funsz'kksa rfkk ifji=ksa dks tkjh fd;ka fofu;eksa dks tkjh djus ls igys lykgdkj ifj"kn~ dh eatwjh ek xh xbz rfkk xtv es aaaaa vf/klwpuk ds fy, ljdkj dks Hkstk x;k rfkk rc xtv vf/klwpuk dks laln dh eatwjh izkir djus ls igys izn'kzu ds fy, ljdkj dks Hkstk x;ka chek O;olk; ls tqm+s e/;lfk chek,tsav O;fDrxr,ts alh dh la[;k o"kz 2007&08 es aaaaa 26 izfr'kr ls mij,d 'kq) o`f) n'kkzrh gsa o"kz 2007&08 dh 'kq:vkr esa yk[k ls] o"kz ds var rd o;fdrxr,ts avks aaaaa dh la[;k c<+dj yk[k rd gks xbza futh chekdrkzv a us thou chek fuxe }kjk iathd`r,d vis{kkd`r 8 izfr'kr ls de dh rqyuk esa 49 izfr'kr dh myys[kuh; o`f) ntz dh xbza ;g bl {ks= ds [kqyus ds ckn igyh ckj gs futh chekdrkzv aa ds ikl thou chek fuxe dh rqyuk es aaaaa vf/kd la[;k es aaaaa futh,ts av gsa tcfd thou chek fuxe ds QksYM LVSaM es aaaaa o"kz ds var rd,ts avks aaaaa dh la[;k yk[k vksj lhkh futh chekdrkzv a ds,tsavksa dh la[;k yk[k gsa rkfydk 45 thou chekdrkzv a ds O;fDrxr,tsaVksa dk fooj.k chekdrkz futh 1 vizsy tksm+s x, gvk;s x, 31ekpZ rd rdrd futh ,yvkÃlh dqy dqy,d cm+h fpark dk fo"k; ;g gs fd vkadm+ksa ls mhkj,tsavksa ds dkjksckj ds mpp izfr'kr gsaa 2007&08 esa] tcfd,tsavksa dh dqy la[;k fu;qdr dh xbz vksj fudkys x,,tsavksa dh la[;k 4-80 ls Hkh vf/kd FkhA mpp dkjksckj mu chekdrkzv a ds foùkh; ij izhkko Mkyrk gs tks bu,tsavksa dh fu;qfdr vksj izf'k{k.k es a dkqh le;] islk [kpz djrs gsaa bu,ts avks a }kjk dh xbz ikwfylh;ksa dks muds fudkys tkus ij vukfk?kksf"kr fd;k tkrk gs vksj mlds ckn lsok lefkzu dh deh ds dkj.k urhts vdlj ikwfylh dh lekfir esa cny tkrs gsaa Rkkfydk 46 thou chekdrkzv a ds dkwikszjsv txr ds,tsavksa dk fooj.k chekdrkz 1 vizsy tksm+s x, gvk;s x, 31ekpZ rd rdrd futh ,yvkÃlh dqy dqy

295 a a okf kzd fjiksvz 2007&08,ts alh ds is'ks dh Nfo dks Hkh,d /kdds dk lkeuk djuk im+rk gs D;ksafd lkeku; rksj ij lk/kkj.k turk vksj lahkkfor,tsav Hkh bls le>rs gsa] tsls fd flfkjrk esa deh vpns,tsavksa dks [kkstus dks chekdrkzv a ds fy, dkqh eqf'dy cuk nsrh gsa blfy, lhkh fgr/kkjdksa ds fgr esa,tsavksa ds dkjksckj dks de djus ij dke djuk gsa tcfd ekpz 2007 ds var esa 2315 dkwikzsjsv,tsav Fks] ekpz 2008 ds var esa ;g la[;k 2415 rd c<+ xbza blesa ls 2070 futh thou chekdrkzv a ds Fks tcfd ckdh thou chek fuxe ds FksA bl rjg dh iz.kkyh dkwikzsjsv,tsavks a es a ns[kh xbza tcfd o"kz ds nksjku 497 dkwikzsjsv,tsavksa dks fu;qdr fd;k x;k vksj 397,tsaVksa dks gvk;k x;ka chek nyky o"kz 2007&08 ds nksjku] 19 nykyh ykblsalksa dks tkjh fd;k x;k] ftuesa ls 16 izr;{k nyky ykblsal],d fefjr nykyh ykblsal rfkk nks iquchzek nykyh ykblsal tkjh fd, x,a 35,tsaVksa ds ykblsalksa dks uohdj.k fd;k x;ka 10 flrecj] 2008 dks dqy ykblsal 281 tkjh fd, x,] ftuesa ls 242 izr;{k nykyksa] 33 fefjr nykyksa rfkk 6 iquchzek nykyksa ds Fks vksj ykblsalksa dk jkt;&okj forj.k fooj.k VIII esa gsa 265 ykblsal 10&9&2008 rd eku; gsaa 2007&08 ds nksjku 17 nykyh daifu;ksa ij fujh{k.k vk;ksftr fd;k x;ka,d ykbls al jì dj fn;k x;k vksj 5 yk[k :Ik;ks dk LoSfPNd vkre&leiz.k Lohdkj fd;k x;ka fujh{k.k ds nksjku] dqn ekeysa gsa vksj mfpr dkjzokbz esa dqn fviif.k;ksa dks 'kq: fd;k x;k% chek dkjksckj vksj vkxzg dh [kjhn dh vko';drkvksa ds fy, fofu;eu 9(3) dk myya?ku mu lykgdkjks a dh mi;ksxh lsokvks a ds }kjk vkãvkjmh, (chek nyky) fofu;eu] 2002 dh vuqlwph &AAA ds 3( ) ds rgr funszf'kr ekeyksa ij vkpkj lafgrk ds :Ik esa fofu;eu 21 dks rksm+k x;k] tks dezpkjh jksy ij ugh gs vksj fofhkuu lsokvks ds fy, mudks ijke'kz Hkqxrku ns jgs gs ftuesa tksf[ke ewy;kadu] ih<+h usr`ro] rduhdh Kku rfkk dezpkfj;ksa dks izf'k{k.k vkfn 'kkfey gsa ykbls al dh os/krk {kfriwfrz dh lhek ds 1%1 ds vuqikr ls ckgj O;kolkf;d {kfriwfrz ikwfylh dh fujarjrk cuk, j[kus ds fy;s fofu;eu 24 ds izko/kkuksa dk ikyu iwjh rjg ls ugh fd;k x;ka ys[kk iqlrd a dks mip; vk/kkj ij u cuk;s j[kus ds dkj.k rfkk fooj.kksa] nlrkost+ksa vkfn dks blds iz/kku dk;kzy; esa u j[kus ds fy, fofu;eu 25 ds izko/kkuksa dk ikyu ugh fd;k x;ka v/kzokf"kzd [kkrksa dks le; lhek ds Hkhrj tek u djokus ij fofu;eu 26(1) dk xsj& vuqikyua fofu;eu 27 ds vuqlkj mfpr vkarfjd fu;u=.k iz.kkyh u g uka varj lewg vksj lacaf/kr i{k dk ysu&nsu ftldk çdvhdj.k ys[kk ekud&18 ds vuqlkj ugh fd;k x;k rfkk Hkqxrku cksmz }kjk Lohd`r dh xbz jkf'k ls vf/kd fd;k x;ka vkãvkjmh, dk 34(2)(chek nyky) fofu;eu, 2002 QaMksa dk forj.k lewg daifu;ksa ds Hkhrj fd;k x;k tks fd vkãvkjmh, (chek nyky) fofu;eu] 2002 ds fofu;eu 34(2) ds izko/kku dks c<+krk gsa Ikzhfe;e dk Hkqxrku xzkgd dh vksj ls fd;k x;k tks xzkgdks dks _.k lqfo/kk nsus dh is'kd'k dks c<+kok nsus dh vksj ladsr djrk gsa HkksxkSfyd QSyko c<+ x;k gs vksj nykyh daifu;ksa us NksVs 'kgjsa tsls Hk:p] lwjr] cm+ksnk] jktdksv] f=lwj] bunksj] vgenx<+] ukunsm+] mn;iqj] okjk.klh vkfn esa ykblsal iznku fd, x;k gsa] vksj blds vykok cgqrksa us viuh 'kk[kkvksa dk folrkj fd;k gs vksj N Vh Js.kh ds dlcksa esa Hkh cm+h la[;k esa lsok;sa miyc/k djokbz gsaa ek/;ekuqlkj u;k O;olkf;d iznz'ku Ok"kZ 2007&08 futh,tsalh psuy ds vkxkeh ifjorzu dk lk{kh gsa 2007&08 esa O;fDrxr,tsaVksa ds ek/;e lsa u, O;olk; izhfe;e dks finys o"kz ds izfr'kr dh rqyuk esa izfr'kr izkir fd;k x;ka futh,tsavksa }kjk LohÑr u, O;kikj dk fgllk dkwikszjsv,tsavksa vksj izr;{k fcøh }kjk eq[; :Ik ls mbk;k x;k FkkA 55

296 okf kzd fjiksvz 2007&08 Rkkfydk esa thou chekdrkzv a ds u, O;olkf;d izhfe;e (O;fDrxr vksj lkewfgd) ek/;ekuqlkj (izfr'kr esa) thou chekdrkz futh,tsav dkwikszjsv,tsav nyky Agents csad vu;* izr;{k dqy u;k flqkfj'ksa fcøh O;kikj (O;fDrxr vksj lkewfgd) futh dqy ,yvkÃlh # m ksx dqy *csadksa ds vykok dksbz lalfkk ysfdu dkwikszjsv,tsav ds :Ik esa ykblsal izkirka #blds fons'kh u, O;kikfjd izhfe;e dks 'kkfey ugh fd;k tkrka uksv% 1- u;s O;kikfjd izhfe;e esa igys o"kz dk izhfe;e rfkk,dy izhfe;e 'kkfey gsa 2- flqkfj'k O;oLFkk ds }kjk izkir yhm lacaf/kr psuyksa esa 'kkfey dh xbza dkwikszjsv,tsavksa dk fgllk tks 2006&07 esa 8-42 izfr'kr Fkk] 2007&08 esa c<+dj izfr'kr gks x;ka dkwikszjsv,tsalh psuyksa ds Hkhrj] csadksa dk fgllk 2006&07 esa 5-46 izfr'kr ls c<+dj 2007&08 esa 9-97 izfr'kr rd gks x;k] bugh o"kksza esa vu;ks a dk 2-96 ls c<+dj 4-36 gks x;ka futh thou chekdrkzv a }kjk izkir u;s O;kikfjd izhfe;e esa dkwikszjsv,tsavksa dk fgllk 2006&07 esa 24-9 dh rqyuk esa 2007&08 esa izfr'kr Fkk] tcfd finys o"kz thou chek fuxe dk fgllk 2007&08 ls?kvdj 1-59 izfr'kr jg x;ka 56

297 okf kzd fjiksvz 2007&08 Rkkfydk esa thou chekdrkzv a ds futh u;s O;kikfjd izhfe;e ek/;ekuqlkj (izfr'kr esa) thou chekdrkz futh,tsav dkwikszjsv,tsav nyky izr;{k dqy flqkfj'ksa fcøh csad vu;* futh dqy ,yvkÃlh # m ksx dqy *csadksa ds vykok dksbz lalfkk ysfdu dkwikszjsv,tsav ds :Ik esa ykblsal izkirka #blds fons'kh u, O;kikfjd izhfe;e dks 'kkfey ugh fd;k tkrka uksv% 1- u;s O;kikfjd izhfe;e esa igys o"kz dk izhfe;e rfkk,dy izhfe;e 'kkfey gsa 2- flqkfj'k O;oLFkk ds }kjk izkir yhm lacaf/kr psuyksa esa 'kkfey dh xbza izr;{k fcøh Hkh dqy O;kikj ds fglls esa,d cm+h o`f) dh xokg gs] tks fd 2006&07 esa 0-38 ls c<+dj 2007&08 esa 3-33 gks x;ka futh thou chekdrkzv a es a izr;{k fcøh dk fgllk finys o"kz es a 1-39 ls c<+dj 2007&08 es a 8-77 izfr'kr gks x;k tcfd thou chek fuxe es a nksuks a o"kksza es a bl psuy ds ek/;e ls dksbz O;fDrxr u;k O;kikj izkir ugha fd;ka lewg O;olk;% izr;{k fcøh lkewfgd O;kikj ds fy, forj.k dk izeq[k psuy cuh gqbz gsa izr;sd fcøh ds ek/;e ls lewg O;olk; dk izfr'kr 2007&08 esa yxhkx 88 izfr'kr gks x;k FkkA 2007&08 ds fy, thou chekdrkz dh uohu O;olkf;d izhfe;e 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% futh,yvkãlh dqy m ksx thou chekdrkz 57

298 okf kzd fjiksvz 2007&08 Rkkfydk esa thou chekdrkzv a ds futh u;s O;kikfjd izhfe;e ek/;ekuqlkj (izfr'kr esa) thou chekdrkz futh,tsav dkwikszjsv,tsav nyky izr;{k dqy flqkfj'ksa csad vu;* fcøh futh dqy ,yvkÃlh # m ksx dqy *csadksa ds vykok dksbz lalfkk ysfdu dkwikszjsv,tsav ds :Ik esa ykblsal izkirka #blds fons'kh u, O;kikfjd izhfe;e dks 'kkfey ugh fd;k tkrka uksv% 1- u;s O;kikfjd izhfe;e esa igys o"kz dk izhfe;e rfkk,dy izhfe;e 'kkfey gsa 2- flqkfj'k O;oLFkk ds }kjk izkir yhm lacaf/kr psuyksa esa 'kkfey dh xbza fqj Hkh] thou chek fuxe] ftlus lh/ks gh iwjs lewg chek O;kikj dks lahkkyk gs] us viuh j.kikwfylh dks cnyk gsa o"kz 2007&08 esa] thou chek fuxe us blds ijaijkxr O;fDrxr,tsalh psuy ds ek/;e ls lewg chek O;kikj esa izfr'kr o`f) dh tcfd lewg chek O;kikj dk vu; 0-66 izfr'kr dkwikszjsv,tsav rfkk nykyksa tsls vu; psuyksa ls izkir gqvka 2007&08 ds fy, ¼ek/;ekuqlkj½ thou chekdrkzvksa dk lkeqfgd u izfr kr futh ;ksx,yvkãlh thou chekdrkz tgk rd futh chekdrkzv a dk laca/k gs] mugksus dksã cnyko ugh fd;k gsa o"kz 2007&08 ds nksjku] izr;{k fcøh ds ek/;e ls bu daifu;ksa us lewg chek O;kikj dk yxhkx 84 izfr'kr dek;k vksj O;kikj dk vu; izfr'kr csadv'; jsal eksm ds ek/;e ls dek;ka 2006&07 esa ;g Øe'k% 85 izfr'kr rfkk izfr'kr FkkA losz{kd rfkk gkfu fu/kkzjd izkf/kdj.k losz{kd rfkk gkfu fu/kkzjdksa dks chek vf/kfu;e] 1938 dh /kkjk 64;w,e ds rgr ykblsal tkjh djrh gsa,d futh],d daiuh ;k,d QeZ ds losz{kdksa rfkk gkfu fu/kkzjdksa ds :Ik esa bl mís'; ds fy, fu/kkzfjr izk:ik ij izkf/kdj.k dks 58

299 okf kzd fjiksvz 2007&08 vkosnu nsuk im+rk gsa chek losz{kd rfkk gkfu fu/kkzjd (ykbls al laca/kh] O;kolkf;d vko';drk;sa vksj vkpkj lfgrk) fofu;eu] 2000 ykblsal izkir djus ds fy, vkosnu djus dh izfrfdz;k fu/kkzfjr djrk gsa finys foùkh; o"kz ds nksjku] izkf/kdj.k us izf'k{k.k losz{kd ds :i esa 773 vkosndksa dks ukekafdr fd;k vksj O;ogkfjd izf'k{k.k rfkk visf{kr ijh{kk mùkh.kz gksus ds ckn izf'kf{kr losz{kd dks 286 u, ykblsal tkjh fd, x,a izkf/kdj.k us finys foùkh; o"kz ds nksjku 1907 ykblsalksa ds uohdj.k dk vkkosnu Hkh izkir fd;k vksj 1651 ykblsalksa dk uohdj.k fd;k x;k rfkk lhkh fu;ked vko';drkvksa ds iwjk gksus ij tkjh fd;k x;ka blds vykok] 2008&09 dh igyh Nekgh esa] 1178 ykblsalksas ds uohdj.k ds vkosnu izkir gq, vksj 1201 vkosnuksa dks lalkf/kr fd;k x;k vksj uohdj.k ykblsal tkjh fd, x,a eqdíeksa] vihyksa vksj vnkyrksa ds fu.kz; os/kkfud fohkkx us chek dkuwu (la'kks/ku) fcy) ds laca/k esa ikwfylh fuekz.k esa vkãvkjmh, fofu;euksa vksj blds la'kks/kuksa dks osfvax rfkk MªkfVax ds :Ik esa 'kkfey fd;k vksj vkãvkjmh, }kjk dks tkjh fd;k x;ka vizsy] 2007 ls ekpz 2008 rd dh vof/k ds nksjku Hkkjrh; lokszpp U;k;ky;] fofhkuu mpp U;k;ky;ksa] mihkksdrk U;k;ky;ksa] flfoy U;k;ky;ksa] rfkk,e,lhvh ls igys dqy 78 ekeys ntz fd, x,a mlh ds fy, czsd&vi uhps fn;k x;k gsa lokszpp U;k;ky; esa ntz fd, x, ekeyksa dh la[;k 3 fofhkuu mpp U;k;ky; esa ntz fd, x, ekeyksa dh la[;k 53 fofhkuu mpp U;k;ky; esa ntz vnkyrh vkns'k i=ksa dh la[;k 1 fofhkuu mpp U;k;ky; esa ntz leh{kk ;kfpdkvksa dh la[;k 1 ntz fd, x, mihkksdrk ekeyksa dh la[;k 17 ntz fd, x, ukxfjd ekeyksa dh la[;k 3 ntz fd, x,,e,lhvh ekeyksa dh la[;k fofhkuu mpp U;k;ky;ksa }kjk fuivku vkãvkjmh, vkãvkjmh, fd, x, vnkyrh vkns'k i=ksa dh la[;k ds funsz'kksa ds funsz'kksa ds fcuk ds lkfk fuivku fd, x, vnkyrh vkns'k i=ksa dh la[;k 21 9 fuivku fd, x, mihkksdrk ekeyksa dh la[;k 3 1 fuivku fd, x, ukxfjd@,e,lhvh dh la[;k - eqdíeksa ds LoHkko bl izdkj gsa% vkãvkjmh, vf/kfu;e@chek vf/kfu;e ds v/khu rfkk vkãvkjmh, }kjk tkjh fd, x, Kkiu@ifji=ksa ds rgr cuk; fu;eksa dks Hkh psrkouh izorzu dk;ksza vfkkzr~ funsz'kksa ds tkjh] vkffkzd nam ds fuyacu ds :Ik esa nykyksa] e/;lfkksa] chekdrkzv a dks fn, x, iathdj.k ds izek.k&i= vksj ykblsalksa dk jí@lekir gksuk xsj&izorzu dk;ksza tgk eqíksa dk /;ku vu; ckrksa esa 'kkfey gs%& (i) ikwfylh/kkjd lacaf/kr eqís - ikwfylh;ksa ds mriuu ifjr;kx nkos - vkoavu vksj LFkkukUrj.k - ukekadu - f'kdk;rksa dk xsj fuokj.k (ii) losz{kd dk oxhzdj.k (iii) rhljs i{k ds nkf;ro ds fy;s eksvj chek izhfe;e njksa esa o`f) (iv),tsalh deh'ku dk Hkqxrku u g uk (v),tsalh dh lekfir fofu;ked enn% fohkkx fueufyf[kr lacaf/kr eqíksa ij ifjpkyu fohkkxksa dh enn djrk gs Ckhek dkuwuks a dh O;oLFkk vksj fu;ked dh ikwfylh;ksa ds dk;ksza ls lacaf/kr izozru vksj xsj izozru dk ykxw gksuk lapkyu fohkkx }kjk tkjh gksus dh otg uksfvl fn[kkus ds fy;s Laklnh; lanhkz ;g vkjvhvkã vf/kfu;e ds rgr ntz dh xbz f'kdk;rksa ds ekeys esa os/kkfud lykg Hkh iznku djrk gsa chek esa varjkz"vªh; lg;ksx & chek Ik;Zos{kdksa dh varjkz"vªh; lg;ksx ¼vkÃ,vkÃ,l½ chek Ik;Zos{kdksa dk varjkz"vªh; lg;ksx ¼vkÃ,vkÃ,l½ chek Ik;Zos{kdksa rfkk vu; foùkh; {ks= ds Ik;Zos{kdksa esa lg;ksx dks c<+kok nsus ds fy;s 1994 esa LFkkfir fd;k x;ka o"kksza ds nksjku] lnl;rk c<+ xbz vksj 180 vf/kdkj&{ks=ksa ls T;knk ds chek Ik;Zos{kd lnl; cu x, vksj 100 laxbuksa rfkk O;fDr;ksa ls Hkh 59

300 a okf kzd fjiksvz 2007&08 T;knk O;kolkf;d lg;ksx] chek vksj iquchzek daifu;ks a] varjkz"vªh; foùkh; lalfkkuksa] lykgdkjksa vksj vu; O;kolkf;dksa dk izfrfuf/ kro djrs gq, fujh{kd cu x,a ;g Hkkxhnkjh chek ckt+kj ds c<+rs osf'od Lo:Ik dks rfkk yxkrkj Ik;Zos{kh ekudksa vksj O;ogkjksa dks n'kkzrk gsa vkã,vkã,l muds vuqhkoksa] fo'ks"kkrk vksj Kku dks lka>k djus ds fy, nksuksa fpfdrldksa vksj ikwfylh fuekzrkvks a dks volj iznku djus ls ekud&lfkkiu vksj dk;kzuo;u xfrfof/k;ksa ds fy,,d izhkkoh eap iznku djrk gsa vkã,vkã,l dh xfrfof/k;ksa esa bldh dk;zdkjh lfefr ds os lfdz; ekxzn'kzu 'kkfey gs ftuesa fo'o ds fofhkuu {ks=ksa ls pqus x, 15 ernku lnl; vksj ctv desvh ds v/;{k tks,d insu xsj&ernku lnl; gsa] 'kkfey gsaa mudh fø;k'khy i{k a }kjk lefizr rduhdh lfefr] dk;kzuo;u lfefr vksj ctv lfefr }kjk bldh ljkguk dh xbz gsa vkã,vkã,l ds çfrfnu ds dkjksckj vksj ekeyksa dks blds lfpoky; }kjk ns[khkky dh tkrh gs] tks flov~t+jysam] csly esa varjkz"vªh; lek; tu ds fy;s csad esa LFkkfir gsa vkã,vkã,l izhkkoh chek Ik;Zos{kh 'kkluksa ds fy, fl)kurksa] ekudksa vksj ekxzn'kzuksa dk fodkl djrk gsa,slk djus ls bls ikwfylh/kkjdksa ds Qk;ns vksj cpko ds fy;s mfpr vksj dq'ky chek ckt+kj LFkkfir vksj cuk, j[kus esa lgk;rk feyrh gsa vkã,vkã,l ßeqís laca/kh dkxt+krß Hkh rs;kj djrk gs tks chek losz{kdksa dks O;kt ds fof'k"v {ks=ksa ij iq"bhkwfe iznku djrk gsa vkã,vkã,l vu; varjkz"vªh; foùkh; lalfkkvksa rfkk losz{kdksa vksj fu;kedksa ds varjkz"vªh; lg;ksx dks fudvrk ls lg;ksx nsrk gs vksj osf'od rksj ij foùkh; iz.kkfy;ks a dks vkdkj nsus es lgk;rk djrk gsa fo'ks"k :Ik ls vkã,vkã,l,d la;qdr Qksje ds xbu fudk;ksa esa ls,d gs vksj lhkh lkewfgd dk;ksza esa Hkkx ysrk gsa ;g foùkh; flfkjrk eap esa izfrfuf/kro djrk gsa vkã,vkã,l chekdrkzv a dks varjkz"vªh; foùkh; fjikszfvax ekudksa ij vius dke ds fy, varjkz"vªh; ys[kk ekud cksmz (vkã,,lch) dks vkxr iznku djrk gs] vksj ;g vkã,,lch ds ekud lykgdkj ifj"kn~ dk lnl; gksus ds lkfk blds chek dk;kzy; lewg vksj foùkh; lk/ku dk;z lewg dk çkf/kdj.k Ik;Zos{kd dk lnl; Hkh gsa bldk foùkh;,d'ku VkLd QkslZ ij izs{kd dk ntkz Hkh gs] tks os/k dkys /ku rfkk vkardoknh foùkiks"k.k ls fhkm+rk gsa izkf/kdj.k viuh dk;zdkjh lfefr ij blds v/;{k vksj chek vuqca/k] ys[kkadu igyqvksa] chek dkuwuksa] iquchzek] foùkh;,d=.k] 'kks/ku {kerk] /kks[kk/km+h vkfn esa vkã,vkã,l dh fofhkuu desfv;ksa ds lnl;ksa }kjk izfrfuf/kro djrk gsa laxqfvdk fl)kurksa ij la;qdr Qksje dk;z lewg Lak;qDr Qksje] tks 1990 ds n'kd ds 'kq: esa foùkh; {ks= ij fofu;eu rhu varjkz"vªh; fudk;ksa dks 'kkfey djus ij cukbz xbz Fkh] tsls] chvkã,l, vkã,vkã,l vksj vkãv,llhv dks,df=r i;zos{k.k ij iw th vko';drkvksa] tksf[ke izca/ku] fqv vksj mfpr ekinam] Ik;Zos{kdksa ds lkfk tkudkjh lka>k djus] varj lewg ysu&nsu fuos'k tksf[ke vkfn ds ikwfylh ds dkxt+ksa dks fodflr djus dk dk;z lksaik x;ka izkjehk es a] bldk eryc th&7 rfkk ;wjksih; la?k ns'kksa dk mi;ksx gh FkkA la;qdr Qksje us gky gh esa blds lnl;ksa ns'kksa vksj vu; U;k;ky;ksa }kjk la;qdr Qksje ds dkx+t+krksa esa fu/kkzfjr fd, x, fl)kurksa ds dk;kzuo;u dk tk;tk ysus ds fy,,d tukns'k ds lkfk,d dk;zny dk xbu fd;ka Qksje,df=r Ik;Zos{k.k ij nqfu;k Hkj es a fofhkuu U;k;ky; ds n`f"vdks.k dks le>us ds fy, mrlqd gsa ogk Hkh Hkfo"; ds dk;z ds fy,,df=r Ik;Zos{k.k vksj lhek ikj Ik;Zos{k.k ij fofhkuu ns'kksa esa oklrfod ikwfylh;ksa ij O;kid tkudkjh ladfyr djus ds fy, t:jr eglwl dh xbza Qksje ds mís';ksa dks iwjk djus ds fy;s] dk;z lewg us fo'o ds fofhkuu ns'kksa }kjk laxqfvdk ij la;qdr Qksje ds uhps fn, x, fopkjksa vksj fl)kurksa dks viukus esa n`f"vdks.k dks le>us ds fy, ekstwnk lnl; ns'kksa ds lkfk lkfk rhu xsj&lnl; U;k;ky;ksa] izr;sd,f'k;k] vqzhdk vksj ysfvu vesfjdk esa ls,d ds lkfk xfbr fd;ka Hkkjrh; mi&egk}hi dk flov~t+jysam ds csly esa,df=r fl)kurksa ij la;qdr Qksje dk;z lewg ij izkf/kdj.k ds lnl; }kjk izfrfuf/kro fd;k x;ka la;qdr Qksje us blds tukns'k ds Hkkx ds :i esa foùkh; laxqfvdk ds Ik;Zos{k.k ij la;qdr Qksje fl)kurksa ds dk;kzuo;u ij,d fjiksvz dk elksnk rs;kj fd;k gsa bl fjiksvz dk mís'; bl lhek rd dh tk p djus ds fy, gs ftlesa csafdax] izfrhkwfr;ksa vksj chek {ks=ksa ds Ik;Zos{kdksa us foùkh; laxqfvdk ds Ik;Zos{k.k ij 1999 la;qdr Qksje ds fl)kurksa dks ykxw fd;k gsa fjiksvz bu fl)kurksa ds ykxw gksus ds lkfk fofu;eu izfrfdz;kvksa rfkk fo'ks"k fl)kurksa dh mu fo'ks"k pquksfr;ks a dks tk prh gs ftugs de O;kid :Ik esa ykxw fd;k x;k gsa 60

301 okf kzd fjiksvz 2007&08 tu f'kdk;rsa vkãvkjmh, dk f'kdk;r izdks"b fofhkuu thou chek daifu;ksa ds fo:) ikwfylh/kkjdksa] chek e/;lfkksa rfkk vu; lzkrksa ls f'kdk;rsa izkir djrk gsa f'kdk;rksa ds izkir gksus ij izdks"b nks izdkj ls dk;z djrk gs: lqfo/kk iznku djuk && chekdrkz }kjk ikwfylh/kkjd ls çr;{k leidz LFkkfir djus ds ek/;e ls f'kdk;r dk tynh ls tynh fuokj.k vksj f'kdk;rksa dk fo'ys"k.k bu ij vk/kkfjr gs fuivku dh vof/k dk;kzred {ks= f'kdk;rksa dh vof/k ds fy, daiuh okj fo'ys"k.k f'kdk;rksa ls fuivus esa chekdrkzv a }kjk viukbz xbz lknxh vksj izhkko'khyrk dk ewy;kadu djrk gsa ;g bldk Hkh ewy;kadu djrk gs fd dsls chekdrkz ¼ikWfylh/kkjdksa ds fgr½ fu;ekoyh] 2002 esa ls fofu;eu 5 ds mica/kksa dk ikyu djrh gsa fofu;eu dks chekdrkz ls f'kdk;rksa dk tyn vksj izhkko'khy fuivku dh vkko';drk gsa f'kdk;rksa dk fo'ys"k.k dk;kzred {ks= ds n'kkzus ij fuhkzj djrk gs ¼v½ ckt+kj izfkkvksa esa dfe;k ¼c½ chekdrkzv a dh v;ksx;rk & ftlesa vkko';d lq/kkjkred dkjzokbz ds fy, fofu;ked glr{ksi dh vkko';drk gks ldrh gsa f'kdk;r izdks"b f'kdk;r ntz gksus esa rfkk blds 'kh?kz lek/kku ds fy, chekdrkz ds lkfk osls gh fuivkus ds fy,,d lqfo/ kktud Hkwfedk fuhkkrk gsa chekdrkz vksj f'kdk;rdrkz ds chp fdlh Hkh eqís ij fookn ds ekeys esa] izdks"b f'kdk;rdrkz dks v)zu;kf;d ;k U;k;ikfydk fudk;ksa ls ckr djus ds fy, lwfpr djrk gs] tsls fd vkãvkjmh, ds ikl U;k; fu.kz;u dh 'kfdr ugh gksrha thou chekdrkz izkf/kdj.k dk f'kdk;r dks"b ikwfylh/kkjdkas ls chek daifu;ksa ds f[kykq f'kdk;rsa izkir djrk gsa,slh f'kdk;rksa dks lek/kku ds fy, daifu;ksa dks Hkstk tkrk gsa tc f'kdk;rsa daifu;ksa }kjk gy gks tkrh gsa rks blds fuivku ;k vu; ds ckjs esa izkf/kdj.k ds f'kdk;r dks"b dks lwfpr fd;k tkrk gsa 31 ekpz] 2007 rd] thou chek daifu;ksa }kjk lek/kku ds fy, izkf/kdj.k ds ikl 299 f'kdk;rsa yafcr FkhaA o"kz 2007&08 ds nksjku] izkf/ kdj.k us 2057 f'kdk;rsa izkir dh ftuesa ls 651,yvkÃlh ls vksj 1406 futh {ks= chekdrkz ls lacaf/kr gsaa o"kz 2007&08 ds nksjku vkãvkjmh, }kjk izkir thou chekdrkz ds f[kykq dqy f'kdk;rksa dk 57 izfr'kr dk lek/kku iwozorhz O;fDr }kjk fd;k x;ka tcfd izkf/kdj.k ds ikl muds f[kykq ntz f'kdk;rks a es a ls futh chek daifu;ks a us ntz dh xbz f'kdk;rksa dk 78 izfr'kr dk lek/kku fd;k],yvkãlh us dsoy 19 izfr'kr dk lek/kku fd;ka 31 ekpz] 2008 rd] chek daifu;ksa ds ikl lek/kku ds fy, 1017 f'kdk;rsa yafcr Fkha ftues a ls 332 futh {ks= ls rfkk 685,yvkÃlh ls lacaf/kr FkhaA Rkkfydk 50 cdk;k f'kdk;rsa & thou chekdrkz chekdrkz ntz f'kdk;rsa * rd cdk;k rd f'kdk;rksa dh ds nksjku lek/kku rd cdk;k dqy la[;k thou chek fuxe (19.22) 685 futh (77.98) 332 dqy (56.83) 1017 uksv * esa ls cdk;k lek/kku 'kkfey gsaa Ok"kZ 2007&08 ds nksjku] vkãvkjmh, us,yvkãlh ds f[kykq 651 f'kdk;rsa ntz dha vksj dqy futh thou chekdrkz ds f'kdk;rksa dks gy dj ldh tcfd futh thou chek daifu;ksa us 1100 (78 izfr'kr) f'kdk;rsa gy dhaa f[kykq 1406 f'kdk;rsa ntz dhaa buesa ls],yvkãlh dsoy 80 61

302 okf kzd fjiksvz 2007&08 chekdrkz Rkkfydk ds nksjku f'kdk;rsa - thou chekdrkz chekdrkz ds nksjku ntz ds nksjku lek/kku ds nksjku cdk;k Tkhou chek fuxe (12.29) 571 futh futh (78.24) 306 dqy dqy (57.37) 877 uksv & d "Bd esa fn, x, vkadm+s 2007&08 ds nksjku gy gqbz f'kdk;rksa ds izfr'kr dks n'kkzrs gsa vksj blesa rd dh cdk;k lek/kku la[;k 'kkfey ugh gsa thou chek fuxe rfkk futh chekdrkzv a }kjk f'kdk;rksa ds lek/kku esa,d vuks[kk vurj ns[kk x;k gsa tcfd 2007&08 esa thou chek fuxe us ntz f'kdk;rksa dk dsoy 12 izfr'kr] vksj mlh o"kz esa futh chekdrkzv a us izfr'kr f'kdk;rksa dk lek/kku fd;ka ;g futh thou chekdrkzv a dh fuivku esa rhozrk dks n'kkzrk gsa vkãvkjmh, ds thou chek f'kdk;r izdks"b ds lkfk ntz dh xbz f'kdk;rsa ds,d fo'ys"k.k us fueufyf[kr izeq[k dkj.kksa dk O;ä fd;k% ikwfylh ckam dh vizkfir (18 izfr'kr) ] izhfe;e dk lek;kstu (18 izfr'kr) ] xyr ;kstuk o 'krz vkoafvr (11 izfr'kr) ] rfkk nkoksa dk xsj& Hkqxrku (8 izfr'kr) A ;s pkj dkj.k dqy ntz f'kdk;rksa ds 55 izfr'kr esa ;ksxnku ikrs gsaa xsj&thou chek daifu;k 31 ekpz] 2007 rd] lk/kkj.k chek daifu;ksa ds ikl lek/kku ds fy, 623 f'kdk;rsa yafcr FkhaA 2007&08 ds nksjku] 2229 f'kdk;rsa izkir dh xbza ftuesa ls 1339 lkoztfud {ks= daifu;ksa ds rfkk ckdh 890 futh {ks= daifu;ksa ds f[kykq FkhaA dqy 2852 f'kdk;rks a es a ls] 69 izfr'kr orzeku o"kz es a gh gy dj nh xbzaa tcfd lkoztfud {ks= daifu;ksa us 63 izfr'kr f'kdk;rksa dks rfkk futh {ks= daifu;ksa us 81 izfr'kr f'kdk;rksa dks gy fd;ka 31 ekpz] 2008 rd chek daifu;ksa ds ikl lek/kku ds fy, 876 f'kdk;rsa yafcr Fkha; ftuesa ls 682 lkoztfud {ks= daifu;ksa rfkk 194 futh {ks= daifu;ksa ls lacaf/kr FkhaA dqy f'kdk;rksa esa ls izfr'kr ikwfylh lacaf/kr eqís gsa] izfr'kr nkoksa ds fuivku esa xsj&fuivku@foyac eqís gsa] izfr'kr nkoksa ds foyac@vkaf'kd fuivku ds eqís gsa rfkk ckdh vu; dkj.kksa ls lacaf/kr gsaa 62